Boomer & Gio
Is It Sad When Old People Have Jobs and Is Target Becoming Walmart? | 'Al & Jerry's Postgame Podcast'
06 Jan 2026
Chapter 1: What is the main topic discussed in this episode?
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can't get enough of the fan in the morning shown up because this is nothing like that working alan jerry are here with stories they'd never get to cover on the morning show very sexy robot hey look at that pig shenanigans naked yoga my mother had a bad experience with these goats let's hump the fence it's alan jerry's post game podcast
All right, what do you say we do a podcast for you on a nice Tuesday morning? What's up, Albert?
I'll do a podcast with you, Jerry. I was curious about this. So there's, you know, I watch a lot of like financial YouTube things. Yeah. And what's weird is whether you read, see things, read things, you'll get things to be like, how much money do you have saved? Do you know that only 3% of people contribute to their 401k?
It's like these insane numbers and you go, but I'm looking around at the world and the world is moving on. So like there was one, there's one woman I follow. Erin Talks Money is her name. Very pleasant financial woman. And the headline of her latest video goes, Is $5 million enough to retire? You know what percentage of people have $5 million?
A very, very small percent. It is minuscule. Yes, that's a stupid thing to say. So how is the world working? Well, it would depend on who she's talking to. If she's talking to...
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Chapter 2: What are the implications of older people working jobs?
What are we talking? Come on.
What's funny is for some reason, I guess a million dollars saved is a good... That seems like a big number and a nice round number. Mm-hmm. Right? But the retire money people talk about, okay... You should get to $1 million. That's like a goal for people.
That's your benchmark to start.
That's a benchmark, I think, for people to say, hey, yeah. And then they go, you take out 4% every year. That's only $40,000.
$40,000, yeah.
That seems like not enough money. Right, and this woman's saying, can you live on $5 million? Not only that, but even at $1 million, and they tell you to take out 4% so you don't run out of money, $40,000. And that does not sound like enough money to live on. They're also then telling you the amount of people that have that $1 million is a very small number. For sure.
So what is everyone else doing? Working.
Until they're... I think a lot of older people work, yeah. I mean, you see it when you go to CVS or Walgreens or Target. I mean, I think... You know, working even in your older age I think is beneficial. For one, I think you still have a sense of accomplishment and achievement and that you've done something.
Two, it gives you purpose every morning and somewhere to go and not stare at the TV all day. And three, financially it helps you along. So if all of a sudden, I'm not saying working 40 hours, but if you were, let's say you're 70. Again, I've told you I think I'll work until I die. So if at 72 years old I'm working at Home Depot,
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Chapter 3: How does financial literacy affect retirement planning?
It's not just save money and live off your 4%.
Do you think, like when you see old people working. Yeah. Is it sad or not sad, or does it depend where they're working? I'll give you an example. First of all, I commend them first. Okay, so I feel like if I see an older man working at Home Depot, I go, that's a guy who's handy. Yeah. He loves doing this. He loves talking to people about their projects. He's in the mix.
If I see an old person at McDonald's, I think that's sad. But they may like working at McDonald's.
They might enjoy it. They might enjoy the conversation. They might enjoy making coffee for people, especially if they're working in the morning. Yeah, get you a McMuffin, Jerry. Yeah, I mean, it could be sad, and they could be desperate for money. I don't know. Or they might enjoy going to work every day. You don't know the personality until you know the person.
I always wondered how anybody, whether you're an old person or whether you're a young person looking for your first part-time job, How people, like most of the jobs, like if you go to fast food or if you go to retail, they all essentially pay the same thing. Minimum wage, maybe a little higher.
So I always wonder how people choose, like, I'm going to go work at Target or I'm going to go work at McDonald's, where the fast food seems like a more desperate person is working there. But maybe not. Maybe there's something in that job that that person was like, I don't want to work at Target. That seems boring. I want to go work at McDonald's.
Like how do how do young people and old people choose those part time jobs that pay the same?
I mean, I have a young, you know, I have a 15 year old right now who's trying to figure out where to go work for his first. He's done some jobs, but this would be like his first official job. And he's decided, and I'm with him, he wants to try and get a job at a driving range or a golf course or something like that. So he's kind of around the game, which he likes. And I love that idea.
He's not interested in going and working at a fast food restaurant. He's not interested in working in a store. My first job, as I've told you, was a janitor at the school that I had finished. I was in high school at the time. And then from there I went to the gas station. And that was, the school was through a friend's mom.
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Chapter 4: Is $5 million enough to retire comfortably?
You know, more comfortable. Either where you know somebody or it's a part-time job. If it's not going to pay a lot, if it's going to pay minimum wage, do it at a place that you would like to hang out.
Absolutely. Like the golf course. No question. No question.
I remember when a Walgreens was opening up by me and I was going to be, I think, I think 14. Okay. You were able to get a job back then. I think you could work part time. And I went to the Walgreens was having like a little mini job fair for when they opened up. Yeah. Yeah. And I went in. My mother drove me down there and I went into the Walgreens and put in my application. I got no call.
Wow.
Do you know my family boycotted the new Walgreens in our town for years?
It's good for them. That's fine.
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Well, I'll tell you, I boycotted a place. So I've told you the story many times when I was out of work and I would literally call my wife and ask her if I could take $3 out of the coin jar so I could go hit golf balls because I felt guilty. There was a sports authority that...
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Chapter 5: What factors influence job choices for older adults?
But looking back, I remember I was so angry. I'm like, overqualified. I can't pay the rent. I need a job. Yeah. They decided, and as it turned out, that place went out of business three years later. The Sports Authority. Yeah. At least that one. And then I know overall they've all shut down. But that one in particular closed down, I want to say, maybe two years, three years after I interviewed.
Did you boycott it? Were you a boycotter? Nope. Well, kind of. I never went back in.
You didn't go back?
Nope. did not you're like you'll go it was so mad to their competitors dicks if that was even a thing back then i don't think so i think herman's herman's was close to closing i loved herman's in the woodbridge mall yeah but i think they were on their way out too i don't remember where i went to be quite honest was it carl's there was a golf golf world not golf galaxy it wasn't golf galaxy yet
I don't know. I would go other places for my golf stuff. You know what? That's where I bought my. So remember the putter situation in Pebble Beach. So I bought that brand new putter. We did the video of it. The putter that I replaced was a putter that I bought not long after that whole thing at Sports Authority. I bought it at a driving range, you know, out of out of a bargain place.
Bargain bin. One of the days, I asked my wife if I could take $4 out to go hit balls.
And you bought a putter?
I did. It was $6 or $7. Let's say you spend $300 on a putter when you're out of work. I had that putter for 25 years. Think about that.
You got your use out of it. I did. Yes, I did. Yeah. I love when I get use out of like a certain product. Like I just bought jeans while I was over the break and I went with the classic Levi's. I said, you know, I'm getting Levi's. I'm going to, I went to the, all the way up to the Menlo mall because they have a Levi's store. I was only in my Levi jeans.
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Chapter 6: How do societal views on elderly employment vary?
But maybe they don't have a Levi's store there either. They don't. I did look.
That's why I had to go all the way to Menlo.
Got it. So you have the $5 million saved up?
I do not have $5 million saved, no. So I will not be watching that woman's video.
Erin Talks Money.
Because I don't need to feel bad about myself. Yeah, I agree. I was recently, though, during this break, I found myself in a Walmart.
Okay. Where? What town? Brick. Old Bridge? Oh, Brick. Okay. Yeah.
Been there. And I also found myself in a Target in Wall, New Jersey. Okay. It used to be that Target was the higher-end version of Walmart. Yeah. They are on equal footing right now.
See, not for me. No? No. The Target in Middletown is super nice, super clean. The Walmart in Old Bridge that I go to, I'm not saying it's not clean. It's just too big. It's like eight football fields. I don't know what the hell it is. And it's not as nice to me as Target.
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Chapter 7: What are the differences between shopping at Target and Walmart?
the chemicals and all of that stuff. But they do have produce.
But not a large selection.
It's big enough. It's big enough. They have everything you need. They got the tomatoes, the lettuce, the peppers, the cucumbers. They have everything you need. They got plenty of fruit. So they got the produce. They've got a big frozen section. They do, like two aisles. And they've got plenty of processed crap, aisles and aisles of that, that you can get everything done.
The reason why I opted to stop doing that and my wife stopped doing that was, you end up online with someone that's buying a couple of
shirts and maybe a book and you've got a shopping cart of groceries and you feel out of place you feel like you're holding up the line it's stupid yeah it's silly yeah so i got away i got away from that she then did the food shopping again then she had her surgery um earlier this year in the summer i took over the food shopping again once i got used to the guns at stop and shop oh man i'm a stop and shop freak now
People tell me that the Sam's Club has the guns where you can scan as you go and then you just check out. If Costco could figure that out.
I don't have a problem at Costco like you do.
Yeah, my Costco, Jerry, I need to talk to the person who's running your Costco and then have them come down to, I don't know what town that's in.
Well, let me ask you this. What time do you go? Because I think a large part of why I don't have an issue at Costco is I feel like I go at the right times. Yeah. Like to me, school days, you go to Costco at 2 o'clock. There's no one there. Because whoever's running the house, usually if they're home, they're getting home for the kids.
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Chapter 8: How has Target's brand perception changed over time?
The lull. There's a slight lull between the go-getters that get there super early, ready to go. And the regular people. And then the regular people might not wander until noon.
So I've tried that. The one you go to, do they have electronics when you first walk in? Yes. Did you see the sale they had this Christmas? No. I took a photo of it. I want to make sure I get you. I thought of you immediately. Is it a giant television? Yes. I don't know if you saw this or not.
I got to find it from... This probably would have been... It was definitely before Christmas, obviously, because I was doing Christmas shopping. I walked in and I sent it to my wife because I'm like, we don't need this, but I feel like I need to buy it. It was a 65-inch LG.
Yeah, LG, nice brand.
$399. Yeah.
$399. You've got to be kidding me. Televisions are the only thing... That is not affected by inflation.
How is that possible?
I don't know. I don't know. There are people who believe that the televisions now have cameras in them and that that's how they're so cheap that they're spying on us.
I mean, our phones are spying us. What difference does it make if the TV's spying on us? I don't know. Well, I guess in that case, they're taking photos of us. I guess that's kind of creepy. You know, I might have deleted this. They can't be really taking pictures of us, right?
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