Kyle

No, we're a little bit north of Austin.

Yeah, a lot of it's brought in from Louisiana.

Neither. They live in swamps. I think they burrow into the ground for most of the winter and then they come up this time of year and that's when they catch them.

Tell me about it.

Oh. Yeah, we'll usually put down metal trays.

I do. This starts mid-90s. My grandparents found a baby deer on the side of the road, a fawn, and it's covered in fire ants. Not doing well. It's abandoned. They take it home. We live around the Austin area in the hill country. They've got 80 acres. They nurse it back to health. They build a high fence enclosure for this deer and his name becomes Bucky.

Fast forward four years, Bucky's still there. I'm about seven. My sister's 11. And so we've grown up with Bucky around. He's a family pet.

Yeah, we never go into the enclosure with him, but you could go feed him. He'd come eat out of your hand. Also important in these four years, my parents had just gotten divorced. This is a combination of my dad and my grandparents live on the same property. So when me and my sister are at my dad's house, he's outnumbered. He sends us to go feed Bucky.

His enclosure is about 150 yards away from the house. So me and my sister walk up there and we're throwing bread through there. And as we'd walked up there, the family dog's in tow, Jasmine.

He's got an eight point rack. He's pretty good size. Yeah. Okay. We're feeding him through the fence. We kind of toss him through. It's just like a six inch metal square fence. And as we're throwing one, it hits the fence and falls. Jasmine, the family dog, she runs up there to grab a piece. And I leaned down to stop her. This is the end of October. And so that's important because deer are in rut.

They're baiting and that's when they're all fired up. So as I go down to stop the dog, I don't know if he thinks I'm an opponent or he's not happy with the dog, but he leans forward and hits the fence. So I stand up and I touch my head. My hand comes down. It's solid red. I'm seven years old. So I have these bright, vivid memories of sections of this.

And I look at my sister and she just lets out this scream that I can still hear today. We go running to the house. And so I know my dad's working in the driveway. Tears are in my face and I can barely see the house. He comes out. He meets us halfway, grabs me, throws me in the truck, and he gives me a hand towel full of ice to hold on there. And it's about 25 minutes to the emergency room.

I've hit my head a lot growing up. There was one memory where I said, Dad, am I going to die? And he had this running joke where he would say yes.

And I remember asking him in the truck. He just said no. Oh, no.

Yeah, yeah. It was obvious. It was serious. And by the time we get to the emergency room, you know, I'm covered in blood. I remember being very calm. I'm talking with the doctor there. He's saying, OK, I have to give you a shot to numb it. We're going to have to staple this shot to give you an idea of the wound. He was showing my dad.

He's got gloved hands on and he puts his finger up to my dad, says the middle knuckle. Oh, my God.

Now I'd be talking like Frito.

What's amazing about it is how close that could have been to my eye. I could be blind. I ended up doing five staples, and I had to go to school and tell my teacher and everybody, oh, I got attacked by the pet deer. Sure looked pretty gnarly with metals stapled in my head. Oof, oof, oof. Bringing up the divorce, what quickly happened after is Texas Parks and Wildlife shows up with my...

parents' and grandparents' house asking where the deer is. Oh, because someone at the hospital reported it? Or your mom did? I asked my mom. I said, was it you? And she said, I'm not going to say. Oh, okay. She goes, I can guarantee you I told the divorce attorney because I'm sure there was custody going on.

When I interviewed my grandma this week trying to piece together some things, she goes, well, that officer told us it was your mother.

Did they eat Bucky or you can't turn Bucky free at that point, can you? They told them he was going to be released into some kind of sanctuary. He's used to being around people. What's surprising is, as I've been queued up to be on here, I've told this story to a few people this week, and I think three people have told me they had a deer growing up.

My wife had a deer, my barber's husband, and somebody I had lunch with today.

You got me on here.

Well, Kyle, pleasure meeting you. Nice to meet you. Yeah, nice to meet you. Is it okay if my wife hops on and say hello? Of course. Hello. Hi. How are you?

That's me.

Yeah, that's my crawfish collection.

I do a crawfish boil, usually a couple times a year in spring.

2021.

Let it rip.

Great.

Yeah.

Wow.

We don't have a theme song for this new show, so here I go, go, go. We're going to ask some random questions, and with the help of our cherries, we'll get some suggestions. I'm a fly rhyme bishop.

guys is it just me or does she she sounds ungrateful right i mean am i crazy yeah i have not heard a thank you one time from her i haven't heard a thank you i haven't heard she she already thanked you when you gave it to her she's not thanking me now she's just complaining that i'm watching sports well that's what you do with a tv okay kyle i

Yeah, that sounds like an invite.

It's a nice TV. There you go. So don't put like a free sign on it or anything. I want to know when it's out there. I'm going to come by and I'm going to get it.

Okay. And we clicked. I thought she's really hot, and I think she liked me. Oh.

Did you even catch that in the profile, or who cares?

Her name is Sarah.

Well, you know, it is like a visual medium. So, I mean, she was really pretty. I'll just say it. She was really pretty.

Well, so we started talking about TV shows. Okay. And I asked her what her favorite show was. And she said she didn't own a TV.

Well, her roommate had the TV, and she moved out, and so she just never got another one. That makes even more sense. Okay.

That was our first conversation, you know? So on a whim, I bought her a TV.

Oh, that's awesome.

I put it in my car. I see.

43 inches. Oh, that's not even big. It was a nice TV. It had Roku. Oh, wow.

Okay.

And you said it was in the trunk of your car? Yeah, put it in my trunk. So I took it to the date and I told her, hey, I've got a surprise for you.

I pulled up and I showed her the TV.

Well, she was happy. She screamed. She was like, oh, this is amazing. Oh, wow.

Well, I actually installed it for her, too.

Really?

Now I'm wondering. Yeah, we had dinner.

So, yeah, I brought it up to her apartment. I hung it up on the wall. And then, you know, we watched TV. And I spent the night on the couch, and she went to her room. Nothing happened, but... Okay.

Yeah, we were just watching TV and she fell asleep. She went to go sleep in her bed.

Well, so we hung out one other time, but it was like kind of short.

That's a good idea. Do you guys have any free giveaways or anything like that?

Okay, hold on, hold on. Can I jump in here?

Long, painful years.

Okay.

Hmm. That's surprising.

I don't know. It's probably a guy who broke into your house, but okay.

What the hell is a Hufflepuff? What the hell do you mean, Hufflepuff?

You're going to want to see, you're going to want to probably get that figured out.

I have good news and bad news, Mitch.

Hmm. That's surprising.

I don't know. It's probably a guy who broke into your house, but okay.

Oh, yeah, I'm Marcus. I'm Marcus, and yes, it is a ghost.

Can you, can you thought form a Blackhawk helicopter?

He's a werewolf.

a citronella candle on a midsummer's evening if she could have some freckles but not too many that's right partner and if you could did you make her not taller than five foot six and i want her to smell like french vanilla coffee made coffee creamer thank you did you go ahead and do that for me he's just getting like so hyper specific yeah he's like i i think i do he's like buddy you manifested a six foot three basketball player what the hell's going on

Where's your mind at? Are we going to have problems or what?

I just want to see how fast she can go. I just want to put her on top of a hill and push her down and see what happens. Could you give her impeccable balance? Could you do that? Go ahead and put a couple rockets on the skate too so they go really fast down the hill.

Thank you.

You want to take this outside? You'll see how soft these hands when they're fucking beating your face, asshole. That's what you should have said.

It's hard to press the gas and the brakes when you're driving with a giant flower pot still on his teeth.

I knew this one would get you. Come on, dude. Come on. Marcus answered with a half grin.

get to you more than the others.

Given enough time to learn, that thing could be a top predator.

They didn't line up no matter which angle I went at it from. All that we know for certain right now is that someone died on a fire.

Look, kid.

Oh, yeah. Yeah. A dark Jeep. Green Jeep Wrangler.

Every inch. Oh, God.

She goes to a different school.

No. No, there wasn't.

Man, I thought I had it bad with Becca's shoe addiction, but fuck me. Your wife's in here collecting eyeballs.

Who else would it be?

I think that's really constructive, right? It's something I'm going to add to my to-do list to improve the profile. And I understand why it would be on the list, right? Because, again, just like you said, she would want to see that you're out in the world doing normal things, you hang out with your friends, stuff like that. You know what I mean?

I don't have anything right now, but I'm going to... I don't want to say curate it, because then it sounds like you don't really have a social life, but you're going to create one for the purpose of this. No, the next time I'm in that situation, then I'm going to get a pic. It doesn't have to be by Rheanne or anything like that. It just has to be me in my authentically social mode.

I think it's important that I will take that at my first available opportunity.

I don't off the top of my head. I'm back on it now. So like when you go to your matches, it doesn't tell you which photo they liked, correct?

Oh, but if they didn't like you first, then it doesn't, right?

Yeah, so based on the fact that it was the normal situation was that I liked it first and I really couldn't tell you off the top of my head.

I was just going to ask you that. I didn't ask you that yet because it wasn't photo related, but I remember some great info that I had success with from the modules, right, was boosting is important, just like you said, but additionally, when to boost, right? It makes a great deal of difference when you do it. So can you just remind me? I think it was like...

Monday morning or something or Sunday afternoon? When was the ideal time to boost on Hinge?

Well, I oriented it that way because those are the best two performing ones on PhotoFeeler.

Yeah, Hinge is definitely the best for feedback, and you can use that feedback on the other apps.

No, I came up with those prompts on my own after watching the modules and stuff like that.

Yeah, correct. And I think that we could... modify. Just like you said, bring the data, not the drama. So we're going to see how these things actually work. You know what I mean? And again, consider, could we do better? So based on your initial looking at it, I'll just ask you, what do you think in the prompts department could I do better with?

Okay.

Yeah, it sounds great. Yeah.

You have to differentiate yourself.

Yeah.

Yeah, so since we think pretty decent about the existing written prompts, would it be helpful to do that one as a video prompt or not?

I see there's a new feature that I don't think it was there the last time I was on Hinge. It's called Match Note. What do you think about that? What's it called? It's called Match Note. Match Note? Yeah, so apparently the way this works, I wasn't aware of it. I believe it's new. Okay. Is that any person you do match with, it automatically sends you this note. Have you heard of this?

All right. So maybe you can check it out and get back to me as to how guys would utilize that the best on their profile. Okay. Because to be honest with you, I'm a little confused by it. I don't know how to apply it the best way. Okay.

I haven't tracked how it's working for me, but there is some, I will just say like sexy confusion, which is the intended effect. That's the, you know, what's wrong with Mr. Peanut or why would I eat him? And that's really what we were going for.

It's not supposed to make sense. It doesn't make sense. And now you're talking. So there you go.

Definitely a good bang for your buck with that strategy.

Yeah, that sounds good. Thank you.

Well, I'm also going to utilize the other avenue of meeting women in person and I haven't really done too much of that yet, but next time you guys go out, I'll definitely join in if I can.

Yeah, just a radical authenticity angle. What's the first thing that comes to my mind? And don't wait, right? You know, if you want to do it, just go up and do it now because really your mind is going to convince you to avoid it the longer you wait. So one particular instance, I saw a group of women all wearing orange, right?

So the first thing I thought to myself is like, this seemed like some kind of a carrot top convention or something. Okay. I was really only interested in one of the women there, but I have to approach them the way they are, right? you know, they're together. So I did the little group approach and I, I said, I walked up and I said, uh, what is this like a carrot top convention here?

And, uh, it went over really well.

And it's for anybody else, unless they're not wearing orange. Then you've got to come up with something else.

It's, it's intimidating, but you, when it comes to this stuff, I think you really do have to jump into the deep end of the pool. You know what I mean? Uh, there's, there's, you can watch all the modules you want and they're good to watch. Definitely. Right. But until you get out there and fuck up, right?

Or maybe you're gonna be successful immediately. I don't Yeah, right. But probably both. Yeah, a little bit everything. Yeah. Until you go out there and stub your toe a little bit. And I guess the same thing to be said with online dating, like you can curate something great. But then you got to take the feedback, you know what I mean? Then, you know, maybe you did one approach.

sit back down, take a couple notes, drink some coffee, and try something different. Or try the same thing, because it could be that it didn't work with her, but it could work with the next one, you know what I mean? Sometimes it's totally random.

Of course, to see those kind of results, you actually have to get out there 10 times. Totally. And you can't say to yourself, well, I'll do it when I'm ready because you're not going to be ready. Yeah, exactly.

Yeah, it's definitely an exercise in failure, just like baseball. Right. That's okay, because the more you go, the failures are also humorous and fun. Yeah. You know what I mean?

These are the numbers that I'm supposed to be producing.

as far as the numerator goes, right? You're gonna get better as far as your success rates, but the failures that you do experience are gonna be less dramatic for you as you go along.

You're definitely going to be surprised every time you do this in the way things happen, right?

They're never going to happen the way you think they're going to happen. You know, something's going to go different. And that's what makes it fun.

approaching you've had a girlfriend and now it's just about hey let's find an even better fit for you just about who she is and when and how you meet her absolutely and this uh this uh program right as you as you fail uh it it kind of insulates you from maybe things that don't work out in the future right so i would have been taking this breakup a lot harder had i not gone through the program and uh

failed so many different times. It just seems like another roadblock, another speed bump in the road of life, which is the way it really should be. It'll teach you that kind of resilience as you go through.

Yeah, man, the emotions are natural. The whole, you know, what now is essentially, what do we do now? You know what I mean? Right. That's what matters. That's what we actually have control over, right?

So emotions are real, but they will fade, and then you'll have a choice to make. Yeah.

Nah, man. I'm going to take a look at our things we talked about and try to implement them and see what happens, right?

How you been? What's up, brother? Just living life, man, you know. trying to get some success in online and in-person dating. Okay.

Yeah, absolutely. Uh, we definitely revamped the entire online dating profile and, uh, a way I just didn't understand, uh, the algorithms of, uh, the different apps and how they worked and stuff like that, how to be successful on them. And, uh, between, uh, You and Rianne, we definitely were able to make all the necessary changes. I saw the results almost immediately, right?

What from the pictures and the order, which, again, didn't realize that mattered, but it does.

Then the prompts and, of course, the openers. You know what I mean? What should they be? Are they personalized? And, you know, you see the results. So whether it's generically changing it based on the modules, which helped a lot, Yep. Or even on a coaching call, you know, sending a screenshot, you know, what should I do here, you know?

And it really helped me out. I exercised those muscles to the point where I didn't, every time I was launching into it, I just went with what felt natural because I had practiced it so much. And I didn't need to rely on you as much anymore, you know what I mean?

Well, everything that you thought you knew, you have to forget, which if you realize it was wrong, that shouldn't be too hard, right? But we're analyzing it, you know, based on like trying to solve a traditional problem. You have to just kind of throw that away, right?

Yeah, so approaching is not like, you know, conducting a business transaction at the DMV or something like that, right? It's not like going to the social security office. Hey, next up, I'm Kyle, how you doing? This is what I bring to the table, right? A lot of times she's just tuning that out. You have to offer some value, right? You have to add some value. What?

You're saying women don't want to see your resume and treat it like a job interview?

I know. And if we thought that that was the case, even if we didn't actually think that, but if that's the way we acted, right?

It wasn't going to work out too well, right? She's looking for you to add value. And there's... Definitely enough regular business transactions in the course of everybody's life. We want to feel good when we're approaching. Whether we're being approached or the one doing the approaching. we have to figure out how to add some value. And that's how I reframed it in my mind. You know what I mean?

Yeah, I tried to, like, read how she was feeling about the entire situation. And, you know, I assessed that she wasn't particularly enjoying it, right? So I said what seemed to be the most authentic thing that I could think of, which was, hey, this doesn't really seem like it's floating your boat. You know what I mean? Let's talk about that, right?

And she said something to the effect, well, everybody's just standing around here not talking to each other. Maybe, you know, I was like, well, how about an activity? Why don't we like play pool or something like that? And that really worked well. And it kind of spearheaded the rest of the evening or into the early hours of the morning, you know.

Yeah, exactly. And every situation is different, of course, right? And of course, when we're first approaching, we may not have the ability to assess how she's feeling about what, right? So after we do our

authentic approach right if there's a follow-up if we're there long enough right yeah then we can stop and kind of uh go back to our whole problem solving thing that we do as men and say okay like you know now i've added some value right now i can take a step back and assess you know how do i think she's feeling and what could i do about that you know and then that that'll have the rebound effect of adding even more value and i think it's going to

work out pretty well for you.

Well, as a condition of this relationship that I was in, right, we had both... deleted our dating profiles, right? So now essentially I'm reverting back to the training that we had done before and I'm just in the process of rebuilding it and re-exercising those muscles that we talked about, you know what I mean? So that's pretty much where we're at, yeah.

That sounds good. I think there might be some modifications that we could make, so let's take a look at it.

Yeah. It's tested on a photo feeler and, uh, that, uh, first one was the one that did the best.

I know that I've failed again. I failed now twice in less than an hour. But I look at Kevin, and I was like, this guy hurt himself, and he just broke his ass off. What's the point of me just sitting there wallowing? Dude, I owe you big time, man. Dude, don't worry. So I just thought, you know, I'll go over there and help him. This was a me and you effort today. No, not at all. You got this.

Thanks.

Starte dein Testen heute für 1 Euro pro Monat auf shopify.de.

Hey Scott, Kara, it's Kyle from New York, big fan of the show. I had a question about Trump's proposed federal income tax elimination for anyone making less than $150,000 a year. I've heard a lot of discussion recently about how Trump's economic policies really only benefit the wealthy. and harm the younger, less wealthy portion of the population.

This policy seems like it's in response to that discussion. I'm curious from your perspective, is this a moment where credit is given or credit is due, or is this more hand-waving? Curious your thoughts. Thanks, guys.

Okay.

Oh, pardon me.

So wait, let me get this straight. You want me to be your man. That's what I heard.

Hey, how are y'all?

So I got a little dilemma. I just started watching The Ramsey Show probably two months ago. And I'm currently in baby step one. I did, um, get the, uh, every dollar app and using that created a budget. Um, so I have me and my fiance, we have a three month old baby girl. Um, she has a 14 year old daughter, uh, actually lives with us as well. Um, we bought a home about two years ago.

Um, mortgage is around 157,000 left on it. Um, she has two vehicle loans. Um, One's around 18,000, the other one's around 8,000. So she also has three credit cards, and she has a personal loan. So I don't have any debt currently in my name, but all of her debt together is around $42,000, not including the home mortgage. So she stays home. She's a stay-at-home mother. I'm a full-time firefighter.

I have two part-time jobs as well. And I'm trying to figure out, you know, I am going to snowball the debt after I do the baby step one, which that's baby step two. But I'm trying to get her on board with the budget.

We actually don't have a marriage date yet. That's what I was going to say as well. So our relationship is actually hanging on by a thread because we don't see eye to eye on the financial state.

So, it's been like that more since my daughter was born. I've always been a saver, and now that my daughter's born, I grew up, my parents separated when I was 12. So I've seen, I know how that affects the kid and I don't want that. And, you know, I look at the future like anything can happen. So, and she's not like that. Like I asked her the other day, cause I was listening and I was like,

you know, what is your 10-year goal? Where do you see yourself in 10 years? And she told me, she said, you know, I just, I worry about today. I don't worry about 10 years. And I'm like, you know.

So she will say she don't want to borrow any more money, but it's just like now, you know, she's made some financial decisions that I didn't agree with. And, you know, I don't have, I didn't have the control over that at that point.

I was a pastor, yeah. Yeah, you were a pastor at one point. My dad's a rocket scientist.

Wow.

Yeah.

That's ours, man. It's copyrighted.

Yeah. G.K. Chesterton wrote 100 years ago that he thought satire would be impossible because the real news was so absurd. He wrote that in like 1911.

and you picture how crazy the news has gotten from 1911 until 2023 you know you just you open up the news and you can't tell if it's a real news headline or the babylon b headlines sometimes i can't tell and i'm writing the the headlines yeah you know that's how difficult it is yeah we i mean when i was a kid the local newspaper you might not agree with their politics but it was least objective the cbs nightly news with walter cronkite was at least objective

Well, Snopes fact-checked one of our articles that was CNN purchases industrial washing machine to spin the news. Somebody actually checked all that. And that got fact-checked. And our Facebook page got demonetized, deplatformed, all of that stuff because of that article, because it was fact-checked. And they said, oh, you guys are sharing fake news.

Yeah, well, we won't be too mean to Dave Ramsey. That's our number one. We like that. That's our number one rule. Use him for clicks and laughs, but that's enough. Just clicks and laughs, all friendly stuff. But no, I mean, I don't think there's any topic that's off limits for the satirist.

And honestly, that's why a lot of left-leaning comedy these days isn't funny anymore because they have so many no-fly zones, things that they won't make fun of. that it doesn't surprise you anymore. Imagine if they were to make fun of their own worldview, things in their own worldview, it would be shocking because they don't do that. So I think you do need to be able to make fun of yourself.

You do need to be able to make fun of things in the culture. I mean, I just think the main guideline that we use is that if we're making fun of a serious topic, like we're trying to call attention to a really

Yeah. Well, and you have to, like, I think to be a good satirist, you have to first be able to laugh at yourself. You have to be able to make fun of your own. And that's what, you know, that's what made the Babylon Bee get so popular so fast, because we were writing the jokes about the worship leaders who wear the V-necks and all that. Oh, yeah. Absolutely. And our friend Dave Ramsey here. Yeah.

You know, those kind of jokes showed people like, hey, they're not afraid to make fun of themselves. And that kind of gives you the right to then go after the other side a little bit, too.

Yeah, so we launched right at the end of the Obama campaign.

administration you know and so we were kind of like during the trump clinton year so we did kind of launch it in the perfect time when it was like you could make a lot of good fun of trump if you had a good sense of humor about him and you can make a lot of fun of hillary obviously too right um so we launched it kind of that perfect time but yeah the last the last hundred years i mean it would have been great to be around in the 80s with reagan yeah i mean the clinton years you got you

people had so much fun with on SNL. But that's back when SNL used to make fun of both sides. Back when SNL was funny. Right. Back when the late night people would make fun of both sides. George W. Bush obviously was great for humor just with his mannerisms. Oh, yeah. So we kind of missed out on a lot of that. But at the time, there were comedians covering it.

There was the SNL and the late nights that were actually doing that stuff.

Not banned from Facebook.

We got banned from TikTok, which is a good thing in some ways because then you don't have to be on TikTok. Yeah. But I think we got let back on, so I don't know if we're actually banned from anything right now.

You can't joke about anything on TikTok. You know, we'll do jokes about the tamest joke you can imagine. And they'll say, you know, community standards. Politically sensitive. Politically sensitive.

You'll have to go deflate him.

Yeah.

Yeah. Well, that's part of the danger of social media and algorithms. Who's controlling the algorithm and controlling what we see? We already know that with TikTok, you know, they change the algorithm based on who you are. If you're in America, if you're in China, the algorithm is different based on what's used in the culture.

I mean, there are some social media platforms where a certain joke will hit a little bit better. Like for a long time, Twitter was kind of the political space where politics jokes did well. You're a big hit on Facebook and Instagram for us.

Yes, sir. I'm happy to speak with you, Mr. Ramsey, and Mrs. Walshaw today. I have a quick question. My wife and I are on baby steps four, five, and six. We recently sat down with a few of your smart investor pros, all of whom were excellent. Good. We've narrowed it down to two. Good. But there's one big difference between them. They'd both be great to work with, but I hope to get some guidance.

One is strictly fee-based. They assess 1% of the account value annually, and that would decrease by a few tenths. As the account increases in value, the second is commission-based, where it's 3.5% of all new money invested. In the long term, it seems like the fee-based approach would be way more expensive, but he argues that commission-based guys may use

mutual funds with higher maintenance fees to kind of compensate themselves.

I'll give him that much.

$130,000.

It started out at $130,000 and ended at around $150,000. Good for you. What do you all do for a living?

And I'm a mechanical engineer.

36.

Yes.

About $340,000 right now.

Uh, in total with the house, it's over 500,000.

What started that journey for you? Uh, we, One of my coworkers at my first job, he said the best $12 he ever spent was on the total money makeover. So I ended up buying it, and it was the best $12 I spent. Wow. Thank you.

It took a while to win her over. It's still a work in progress.

Did you do it slower, faster? Well, once we decided to pay off the house, it was around two, two and a half years. But we had two kids in that amount of time to add to our three kids we already had. So party. Yeah. So it took a little bit longer. Wow.

I was more worried when we started having kids and trying to pay for college and stuff. So I just wanted to get out of debt because I had student loans and I didn't want my kids to have student loans. So that was a big motivator for me.

Yeah. Yeah. It definitely feels different, especially every first of the month when that money doesn't come out of your account and you can see your account growing.

Yeah.

coworkers. Yeah. My, my parents were, we were, we were actually in a race to see who could pay off our house the first and we won. So it was a little competition.

100%.

Hey, Ken and George. Hey, thanks so much for taking my call. It's an honor to speak with both of you, so thank you.

I guess a quick question for you guys. I have one credit card. I have no debt except my mortgage at this point. I have heard you guys obviously just evangelize cutting up these credit cards. I just am nervous that if I do it, will the lender be after me? What if I have to refinance in the future? For some reason, the thought of cutting up my credit card here is... making me nervous.

You guys have sold me on the arguments of cutting it up. I just get them just calling for last-minute reassurance.

I'm generally scared over here, man.

I don't have any scissors next to me, no. Well, where are you? I'm in my car.

Maybe I can rip it with my teeth. I don't know.

I do have an emergency fund, thanks to you guys. So thanks again for that.

Yeah.

Hey, Ken and George, can I ask one more quick question while I have you?

Go ahead. If I have to refinance, do I just need to go through a different lender to manual underwrite, like you guys say?

Okay.

Hey crew, thanks for taking my call. My main question is regarding my student loan. So I have a pretty substantial student loan amount. It's a $250,000. And so I work for a nonprofit. My main question is, should I pursue that 10 year public service loan forgiveness or should I just kind of tackle it and go ahead on and just try and pay it off?

So I'm a doctor of pharmacy. I'm a pharmacist. So my gross annual is about $170,000. My take-home is about $120,000 after taxes. Oregon has some pretty insane income taxes. Yeah.

So I would make definitely a lot less. So I work for kind of a healthcare giant. I'm sure if I said the name, you guys would recognize it automatically. So I make probably the best hourly and the benefits are phenomenal in terms of how much I pay a year in healthcare and how much I pay for like their match is pretty good as well.

Awesome. I appreciate it, guys. I'll give you some stats, too. So my wife and I, we own a home. We've been there for about a couple years now. We have a four-year-old son, and we actually have a baby girl due in May. So we're really excited.

Congratulations. Yeah, so we've been working on the debt snowballs, step number two. So we actually paid off our first medical bill today, which is $1,300, which has been nagging. So we're making some huge changes in terms of how we spend. It's actually showing. But should we keep snowballing? Because we are still able to continue snowballing while working to save for our baby.

How much do you have in savings? Yeah. So we just have about $1,500 in our starter emergency fund right now. We have about $150,000 in retirement accounts.

We're still investing right now, yes.

By choosing this you miss what's mine By choosing this you miss what's mine Just listen now and listen on My silent voice, my words and song

It's time for a commercial. It's time for a crappin's commercial.

What do you want?

Wow.

And I know you did not know your pictures were being taken. I don't know that the other person didn't know that. But either way, it's just like really hard to say.

all right now we know what we said no more singing la la land in the house i'm really getting sick of those songs okay so he's like just she's like i just i don't know what i'm supposed to do now he's like you know i think about like how did we get here like if we care about each other so much how did we allow this to happen everything we built this is the rug being ripped out from under your feet and i did not expect my life to go in this direction

So she's like, I think it makes it pretty clear that this is permanent and I don't think it's going to be easy to come back from that.

It knocks me right off of my knees.

Well, happy year of the bunny rabbit.

Oh my gosh.

I'm sorry.

I brought it on the commercial flight. Maybe I should have pulled a Kyle and brought nothing.

I went to Italy, so I have lemons everywhere.

No, Reba. And miss the opportunity to see the ground zero of your emotional terrorism? No.

I don't love where I come from. I come from America.

And Eric is with Martin Lawrence, and he's like, your total for this is 37,000 individually wrapped bell peppers from Fresh and Easy.

And she's like, so what are you wearing around your neck? Are those puka shells? Are they pearls? What's going on there, dear?

At the time, I was paranoid.

And Kyle's like, well, I think Carl was like, Hey, let's ease our way into the new dynamic. And I think he was respectfully trying to make it easier on everybody.

And so I was like, can we see the bomb?

We're going to do a water birth right here, right now.

And I need to stop using summer in the Hamptons. This is my big release, which I don't believe is ever going to do.

Cause like, yeah, I just ripped the cord. I was like, I don't care that Diplo's playing. I'm going to be with Amanda.

I'm only spilling because I have Ronnie's drink.

Am I supposed to flip the page, by the way?

How'd it go? You're starting this week, right? Season 9 is going to air in less than two weeks. Yeah. How's it going? Wow, you really can't see anything. Nothing. I'm like, I wish I brought my glasses. Now I'm like, it would not have mattered.

Yeah, it was a big time for us. To be honest, give a round of applause for these guys. Thank you. These guys are so damn funny. They were one of the first podcasts to take it on the road.

You know, talking about taking it on the road. Yeah, are you going on the road? Alcohol and music kind of go well together. Go figure. Hell yeah. Ask Beethoven.

Rumor has it, as things evolve, I think we literally just got another episode because things keep happening. Wow. Oh, no. It's all happening.

Do I have any paraphernalia?

I don't want to jump the gun here. Yeah, yeah. Ladies and gentlemen, Buzz! Buzz! Real Housewives of Beverly Hills.

By the way, I just found out she's not even 50.

Oh, your friend, Chessie Solomon.

I didn't know that last one, not going to lie.

All right, well, first and foremost, like I said, Brittany, she looks like she's 40. I had a Wikipedia, and she's not 40.

But can we?

I'm a little biased here because I feel like Jesse, he had his little glow up. Yeah. And that's probably going to come crashing down season niner, but no big deal. Oh. I don't know. I don't know.

You have your first season edit. Things are looking great. You're like, wow, I can really hack this reality TV game.

She's such a professional, by the way.

Oh, it's an actual envelope.

All right, ladies and gentlemen, boys and girls, Bronwyn Newport! Bronwyn! I got to say, this was well-earned.

It's well-earned.

I filmed a little TV show with Kate Chastain, and yes, I would like to. Oh, yeah, what do you think about this season of Traitors? Oh, my God. Woo! Shout out to Traders. You know, I was like the guinea pig, and now everyone's like, oh, God. I watch and I'm like, this is the best TV show ever.

Yeah, it's great. When Sierra came back, I was like, do not tell me anything because I want to watch it as a viewer because it's the best show ever. Yeah, it's a great show. It really is wonderful. I think she's going to crush.

I love these guys. So proud of you guys. I'll take the little boy.

At the time, I was paranoid.