HYSA v. Money Market

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DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing 20 min 4 speakers 3 chapters transcribed 1 month ago
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What is the episode about and who are the hosts introducing this topic?

Allie Howard 0:01
Hey, this is Allie, and thanks for listening to the show. Give us a five-star review where you listen and share this episode with someone who might need to hear it. Now, enjoy the show.
Quint (host) 0:13
Welcome back, ladies and gentlemen. You're listening to another edition of DIY Money.
Allie Howard 0:17
DIY Money. Hey. Howard. It is December. Holy cow.
Quint (host) 0:22
It is.
Allie Howard 0:23
We're rolling.
Quint (host) 0:23
December the 3rd while we're cutting this episode. When will it air?
Allie Howard 0:28
I don't know. You used to know these things. Middle of December.
Quint (host) 0:31
Middle. Mid.
Allie Howard 0:32
Every day I get less organized on this podcast, and it probably shows. That's okay. That's not great. I'll get back together in the new year.
Quint (host) 0:39
Yes, you will, in the new year.
Allie Howard 0:41
Everyone, bear with us.
Quint (host) 0:43
Okay. What's going on?
Allie Howard 0:44
In my world. Today, okay, I actually have something that you're going to love. Today I'm going for a Facebook Marketplace find adventure.
Quint (host) 0:53
Oh.
Allie Howard 0:53
How do you feel about Facebook Marketplace? I don't know.
Quint (host) 0:55
Are you scared of it? No, I don't have any. Okay, that's great. I think I don't think I've ever used it. I think I might have bought weights, like a weight set long, long ago. But other than that, I don't think I've ever used Facebook Marketplace. Wow.
Allie Howard 1:08
You've got to get on there.
Quint (host) 1:09
I like what Nate Bargatze says about Facebook Marketplace.
Allie Howard 1:13
Which is?
Quint (host) 1:13
When random people show up at his front door because his wife is selling things. Have you never seen that skit? I've not seen that clip.

How do the hosts' personal anecdotes (Facebook Marketplace, espresso machine) relate to money habits?

Quint (host) 1:20
Cue the skit, Steve. She started selling stuff online on Facebook Marketplace. And I found this out from a guy at my front door. I don't even really know what it is. I think it's just putting your home address on the open internet. She sold an old kid's folding chair for $5. Best case scenario, we receive $5. Worst case, our whole family is murdered.
Allie Howard 1:54
For a while, right after college, when I was like starting to furnish my first apartment and you've got the weird chair that was from your mom's house and you've got the whatever, I started to play a game with my friends when they came over and it was called, is that from the dumpster or did I get that on Marketplace? nice because most of my furniture either was from a dumpster which for context this was like you wait till move out week and then all of the kids who are probably you know living across the country and don't want to haul a couch back to minnesota or whatever will just throw it by the dumpster and then you just gather those items people will ask they'll be like is that crane barrel
Unknown 2:32
I'll be like, close. I found it between those things.
Quint (host) 2:36
So what are you searching out today?
Allie Howard 2:38
Tonight, I'm going to meet someone because I'm getting my first espresso machine.
Quint (host) 2:42
Okay.
Allie Howard 2:43
It's big time. Like an actual machine? I know nothing about espresso. Yeah, it's pretty legit.
Quint (host) 2:47
Wow.
Allie Howard 2:47
It's a Breville for those out there who know about this. Ooh. And I know nothing. So I find- And I'm really bad at it.
Quint (host) 2:54
Do you like espresso?
Allie Howard 2:56
I do. Okay. Yeah, I like getting it when I go out. I've never made it myself, so I could be terrible at it.
Quint (host) 3:02
Well, it's not difficult. Like you put the grounds in the thing. You put the little twister on and you hit the button.
Allie Howard 3:09
Don't say that because there will be people out there listening that are like, but you have to tamp it at the pressure and the volume. Like ask Daniel about, sometime ask Daniel if it's hard to do espresso. And he'll tell you about the velocity and the density and the grams.
Quint (host) 3:25
When I'm in Italy and that's all they drink and I go into an Italian coffee shop Shop. And they take the thing and they go and the grounds come down. Maybe that's already been done. They put it in the machine. They hit the button and I have a beautiful espresso in front of me in three seconds.
Allie Howard 3:46
Well, they're professionals, and I'm not, but it's going to be awesome.
Quint (host) 3:50
So I do recall long ago, and I think I wrote about this in the book, when I was getting the fast cash, I went through this binge of selling things, but this was pre-Facebook Marketplace, and I did it all on eBay. Okay. I did it all on eBay because eBay had this thing you could take a photo with your phone and immediately put it up on eBay.

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