Overthinking with the Overbys

The Supreme Court v. Tomatoes

Jo Johnson Overby & Matt Overby Season 1 Episode 25

Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.

0:00 | 54:44

Send a message to the pod!

We jump from caffeine to what it looks like to support each other without taking on each other’s panic. We also dig into parenting language, reality TV culture, and practical listener questions about personal growth and freelance money. 

Join us this week for:
• caffeine, sleep quality, and the ADHD-shaped urge to chase stimulants 
• how we handle stress differently in marriage and try not to enmesh 
• why we try to remove words like stupid from our home vocabulary 
• a parenting stance on exposure, context, and not using language at people 
• life updates, sewing projects, garden hornworms, and the fruit vs vegetable rabbit hole 
• Love Island follower growth, post-show content strategy, and “owning the edit” 
• discomfort with reality TV incentives, humiliation as entertainment, and money’s power 
• word of the week: susurrus, a whispering or rustling sound 
• advice on personal growth with a partner and the reality of little-kid seasons 
• freelance budgeting tips: plan to your floor, build a float account, use quarterly bonuses, consider a line of credit carefully 

If you've got a thought to share or are looking for a bit of advice on something, leave us a voicemail at the link below!

https://www.speakpipe.com/overthinkingpod

If you'd like to message us you can use the email below or the text link at the top overthinking@theoverbys.com

CONNECT:
TikTok: @jojohnsonoverby / @matt.overby
Instagram: @jojohnsonoverby / @matt.overby
Website:  https://jojohnsonoverby.com/

Caffeine Talk And Low Energy

SPEAKER_00

Boo.

SPEAKER_04

Cut chow.

SPEAKER_00

Cachow. Yeah. Sub McQueen?

SPEAKER_04

I'm tired. I gotta stop saying that. Okay, start over.

SPEAKER_00

Start over. Cachao. Cut chow.

SPEAKER_04

What?

SPEAKER_00

Sub McQueen?

SPEAKER_04

What are you drinking?

SPEAKER_00

Uh, this is water with like an Alani packet because we're we didn't have energy drinks in the fridge that I saw.

SPEAKER_04

And we do.

SPEAKER_00

It looks like you do.

SPEAKER_04

Yeah, I had Chloe pick them up for us.

SPEAKER_00

Oh, nice. Nobody told me.

SPEAKER_04

They're in the fridge.

SPEAKER_00

That's fine. This is still an energy drink. It just comes in a packet. And you also get a full cup of it.

SPEAKER_04

That's concerning.

SPEAKER_00

It's the same amount of caffeine. Why is it concerning? It's diluted out. If anything, I'm getting more hydrated.

SPEAKER_04

Maybe that's better for you then.

SPEAKER_00

It's way better for me.

SPEAKER_04

Between the carbonation, which is not ideal for your caffeine take, my gosh, your caffeine intake should have been the first red flag of or the first diagnostic flag, the first, I don't know, the first, like, hey guys, this guy probably has ADHD.

SPEAKER_00

This guy seems to be seeking stimulants anywhere he can get them.

SPEAKER_04

Yeah.

SPEAKER_00

Yeah. Um, especially since it really has very little effect on the tree.

SPEAKER_04

When are you going caffeine free?

SPEAKER_00

Ah, I've stopped even saying it out loud. I don't know. I'm not working out. I probably could do it now.

SPEAKER_04

Are you still wanting to do it?

SPEAKER_00

I think I should do it.

unknown

Okay.

SPEAKER_00

But part of me only wants to do it to see if caffeine hits again when I go back, which doesn't seem like the right spirit to be doing that.

SPEAKER_04

I mean, start however you can start, I guess. Yeah.

SPEAKER_00

Yeah, yeah.

SPEAKER_04

I wanted to give birth without an epidural just because I wanted to know what it was like.

SPEAKER_00

Yeah.

SPEAKER_04

That's probably not in the spirit of isn't that kind of the only spirit of it though? Like in today's day and age, I feel like that's kind of a No, most people that want to do it want to do it because they want to go for health reasons. Yeah, or they're trying to be all natural. Whereas I was like, I just really want to know if it's as bad as everybody says.

SPEAKER_00

Yeah. You just had to touch the stove.

SPEAKER_04

Yeah.

SPEAKER_00

I get that. I get that a lot.

SPEAKER_04

I don't think it was as bad as everybody says. It was terrible, to be clear. I I think it's absolutely horrendous and extremely painful. But the fact that we've freaked people out so bad about it.

SPEAKER_00

Yeah, we probably just shouldn't do that with lots of things.

SPEAKER_04

There are exceptions to this. However, the vast majority of births are without complication. And women go in absolutely petrified of the pain. First I was afraid, I was petrified. Yeah. And I think it's because we speak so negatively about it. I'm drinking a Red Bull Zero.

SPEAKER_00

Try all of that again. That didn't make any sense.

SPEAKER_03

Just say I think it's because it makes sense.

SPEAKER_00

Well, your point you yawned through.

SPEAKER_04

I don't really remember already. I yawned my brain recently. Yeah, I think it's how we talk about giving birth. This is a Red Bull Zero. What?

unknown

What?

SPEAKER_00

You're podcasting like you're on a deadline.

SPEAKER_04

I am on a deadline.

SPEAKER_00

I got an appointment at noon. Let's crack this thing out. No retakes. No edits.

SPEAKER_04

We have plenty of time.

SPEAKER_00

I I agree, but you're the one just blasting through.

SPEAKER_04

That's not why.

SPEAKER_00

Okay. You're just too tired to do it.

SPEAKER_04

I'm I gotta stop saying it though, because it's the whole beginning of the podcast every single week. Every podcast is like Am I ever not gonna be tired again?

SPEAKER_00

I don't know. I feel like you're sleeping, but you know, doesn't seem to do anything.

SPEAKER_04

I don't think I'm sleeping well.

SPEAKER_00

Okay.

SPEAKER_04

The quality of my sleep has been lacking. For a while there, I was getting really quality sleep and feeling really good during the day.

SPEAKER_00

Yeah.

SPEAKER_04

And the last month or so, that has just not been the case.

SPEAKER_00

Okay. Well, you've had things going on the last month, but Okay, well, I feel dumb now.

SPEAKER_04

You talk about what you want to talk about, buddy. Guide us.

SPEAKER_00

I feel okay. I didn't sleep nearly enough, but I feel fine.

SPEAKER_04

No, you did not.

SPEAKER_00

This is exactly when we recorded

Marriage Panic And Emotional Boundaries

SPEAKER_00

last week, which is also when I didn't sleep. If we record the day after the podcast releases, um I get I I've probably slept between four and five hours. Tops.

SPEAKER_04

And that's that's poor time management more than anything.

SPEAKER_00

That's not, I mean, yeah.

SPEAKER_04

That's something that I've had to really come to terms with in being married to you because I want to feel bad for you when you're panicking or staying up late or you're in your sense of doom. And I feel like in the last year, I've really been adjusting my method and just going to bed or doing whatever I need to do. Yeah. Because I'm like, you know what? I can't take on his panic, even though he wants me to.

SPEAKER_00

I'm trying to do that with you. We're trying to let each other.

SPEAKER_04

What do you mean with me?

SPEAKER_00

It's not it's very different because I I tend to enmesh. Like, if you're going through it, I'm like, oh well, everybody's going through it. Like, I also need to not which is also what you want me to do when you're going through it. I don't really want you to do that.

SPEAKER_04

Really?

SPEAKER_00

No, because I'm hoping you'll pull me up, but um, and you usually do, like, you're way better about that. You're hoping I'll pull you up, and I tend to be like, oh, so we're down here now. We're all sad now. Okay, we're just all not gonna get something done because we're mentally going through it. Whereas my work is like, hey, maybe don't do that. Maybe just live a parallel life and try and keep going. Don't look for any exit ramp on the path to progress.

SPEAKER_04

Interesting.

unknown

Yeah.

SPEAKER_04

Don't look for any exit ramp on the path to progress is inspirational.

SPEAKER_00

It's poetic and dumb.

SPEAKER_04

It's so you.

SPEAKER_00

I that's most of yeah.

SPEAKER_04

Not that you're dumb.

SPEAKER_00

Yeah.

SPEAKER_04

Yeah.

SPEAKER_00

I'm not dumb.

SPEAKER_04

No.

SPEAKER_00

But many of the thought processes I go to kind of dumb. Well, logically pulled.

SPEAKER_04

I wanted to clarify that that's not what I was trying to say.

SPEAKER_00

It's okay.

SPEAKER_04

I would never say that.

SPEAKER_00

You would say that. You have said that.

SPEAKER_04

That you're dumb? Well, I don't think you really meant it, but uh yeah, I do actually often when you say something. Like, you're so stupid.

SPEAKER_00

Yeah.

SPEAKER_04

That's a common like uh what would you describe that as?

SPEAKER_00

Reflex? No.

SPEAKER_04

No. Um, I say it, I've noticed it about myself though, and I've been like, I need to probably stop saying that because it doesn't bother me, but yeah. Well, it's it's like a little like you're so silly.

SPEAKER_00

Yeah.

SPEAKER_04

You know, it's not, yeah, it's not meant as a judgment on your intelligence.

SPEAKER_00

And I don't think it is.

SPEAKER_04

I think it's probably something that would be good to remove from my arsenal though, because I do think that we have kids that watch us interact,

How We Talk Around Our Kids

SPEAKER_04

and even though that's not how I mean it, that doesn't mean they won't repeat it.

SPEAKER_00

And I don't think that's a very we're very much in the trying to get out in front of calling things weird, calling things dumb, trying not to use the word stupid at all with the five-year-old.

SPEAKER_04

We use the weird weird a lot.

SPEAKER_00

We we as in the five-year-old, or we as in we as in you and I got it, use it a lot. Yeah, I've tried to point it in we don't call people weird. Situations can be weird. Really, we shouldn't be able to do it. Yes, we shouldn't call people anything. It's like swearing.

SPEAKER_03

Yeah.

SPEAKER_00

I've I've had that talk with our five. Not that she's swearing, she really doesn't use bad words, and she has an awareness of like what some of them are, and sometimes she'll ask me about them. And my stance is always we shouldn't use them at people. You're gonna hear them used because honestly, we use them more than we should, but I'm not letting it go either until it's proven to be a huge issue. I think it's better to be exposed to the language because it will happen at some point in your life. Yeah, you will enter the adult world.

SPEAKER_04

I always think it's good to be exposed to more than not. Yes, yeah, which is I think kind of a hot take in parenting.

SPEAKER_00

Maybe, yeah.

SPEAKER_04

I don't just think it with language. I'm not saying that I want to take them to R-rated movies and I want them to be in the depths of like things that are out of their age range. And I also want them to experience things that are uncomfortable and things that are maybe things that I don't wish for them, so that I am there to talk with about it.

SPEAKER_00

Well, it's better to have an awareness of things going on and understand that those things exist and also know that they are things that they can be brought to us or things that they have been primed about.

SPEAKER_04

Well, entering adulthood, I feel like that is one of the biggest hurdles I've had individually. Is I reached adulthood, I left for college, and I was so scared of going to college because I didn't know anything about the world other than it was something I needed to be protected from, and it was something that was scary.

SPEAKER_00

Yeah.

SPEAKER_04

I didn't have a lot of experience navigating anything. And it still impacts me now. I'm in my mid-30s, and I still am hesitant and nervous to interact and to engage in things, and I push past it a lot now because I know that's the only way I'm gonna learn, but I really don't want to leave my kids in that place.

SPEAKER_00

Well, some degree I think you have to you'll start to push past it and you'll it takes an initial leap. And then when you have experiences where you go, oh, this was not what I thought it was, or I'm okay, even if things didn't go how I hoped or planned or thought, you build up on that experience.

SPEAKER_04

I also think it makes judgmental kids. Yes, people, not kids, like as a whole, because I think that if you are inherently protecting your kids from specific things out of fear of what those things will make them, you are passing judgment on all of the that stuff.

SPEAKER_00

You end up giving it more power. You build things up and you make them mysterious and dangerous, and eventually they'll find out whether or not that's true, but they'll also have a preconceived notion that it needs to be that way, and it just doesn't. And so sometimes they hear me say

Weekly Updates And Garden Battles

SPEAKER_00

shit.

SPEAKER_04

So yeah, what was your week like?

SPEAKER_00

My week. Man, what did we do? We did watch that England-Norway game, and the kids were like, Hey, can we not watch this? And we laid down the law.

SPEAKER_04

Get out of here.

SPEAKER_00

It was like you can go ahead and play with toys, but this game's gonna be on. It was a good game, really good game. But uh, Jude Bellingham beat our boy.

SPEAKER_03

Yeah, sad, sad day.

SPEAKER_00

It was sad. Uh second sewing project. Just I'd say I finished it. I finished one, I'm making one for each kid, and so I have one towel poncho made. What do you think of it? What are your thoughts?

SPEAKER_04

I think it's the pocket's a little wonky.

SPEAKER_00

That's kind of I and I feel like it's straight, but I think it's how it sits on the kids. I think the shoulders are weird, no? The uh oh, the shape of it. Yeah, yes, the shape of it is bad.

SPEAKER_04

Yeah, yeah. So explain to me when I just said it's wonky, while you went straight to it's how our children wear it.

SPEAKER_00

Because I was thinking of the straightness of it.

SPEAKER_04

It looks straight, just it's cut out really wonky. I was thinking like I don't even understand why you tried to put it on while it was such a strange shape.

SPEAKER_00

Because I put it on before I really analyzed it. I was in a hurry. I was just trying to get it on there and done, and then I looked at the shape and I was like, well, that's not real good. I was having the thought today that I don't know if it's good or bad that I just throw unreasonable expectations at myself and then hope that some amount of them get done. It's probably bad. I'm saying it out loud, it sounds bad.

SPEAKER_04

But it would be fine if you were like, oh man, well, I'm glad I got that much done. You hold yourself to absolutely astronomical expectations. And then when you don't meet those impossible plans that you've made, you act like you failed.

SPEAKER_02

Yeah.

SPEAKER_04

And I don't think that's the intention, but I think about it a lot when you're doing things that I do for us, and you are like, it'll only take me 30 minutes. It's something that takes me like a full workday.

SPEAKER_02

Sure.

SPEAKER_04

And then when it doesn't take you 30 minutes and it takes you also a full workday, I don't know. It just immediately makes me feel like, oh, so he thinks I've just been putzing around.

SPEAKER_00

Like I I don't have a good defense for that.

SPEAKER_04

And I know that it's not about other people.

SPEAKER_00

I know I'm not comparing it when I'm not I'm doing this. I'm like, I'm never evaluating your method and being like, it takes her forever. I'm just like, I think I should definitely do better. No, it's not, it's not about doing better or worse. I go into it with an expectation of like I think it should take this long for me without really evaluating what it takes for someone else. Promise. I'm just that self-centered, you know. I don't really, I'm not even worried about what you're doing.

SPEAKER_04

Totally.

SPEAKER_00

Yeah.

SPEAKER_04

What a start this.

SPEAKER_00

This is facetious.

SPEAKER_04

Uh, what did I do this week? I don't know. Hornworms returned.

SPEAKER_00

Oh, return of the hornworms, yeah.

SPEAKER_04

Return of the hornworm.

SPEAKER_00

What are we doing with those? Are we clear at the moment?

SPEAKER_04

We're clear and have been clear the last couple of days.

unknown

Okay.

SPEAKER_04

Hornworm count is 22.

SPEAKER_00

Oh.

SPEAKER_04

Which is less than last year.

SPEAKER_00

Yeah. Well, weren't we gone?

SPEAKER_04

Last year we were gone for about 72 hours, and I got back, and there were 23 hornworms on the plants at once.

SPEAKER_00

Yes. Yeah.

SPEAKER_04

Which was bananas, and they'd been there for a while, so they were huge.

SPEAKER_00

Well, and they took out half the plant.

SPEAKER_04

Yeah.

SPEAKER_00

Which we could honestly lose half the tomato plant, right?

SPEAKER_04

We did, and we did. Not from the hornworms that seemed to be a little bit more than a lot of people. We've removed half the tomato plant. Yeah.

SPEAKER_00

But if something got rid of it for us, we would be okay.

SPEAKER_02

Yeah.

SPEAKER_00

We have cherry tomatoes just coming out our eyes.

SPEAKER_02

Yeah.

SPEAKER_00

Plus, I had our kids like them, which is good.

SPEAKER_04

They do?

SPEAKER_00

Yeah. G'll cut them in half, put some salt on them, she'll eat them straight out.

SPEAKER_03

That's how I eat them.

SPEAKER_00

Yeah.

SPEAKER_04

That's awesome.

SPEAKER_00

Yeah. I I keep forgetting to offer them to her, but she's she's down with them.

SPEAKER_04

That's awesome.

SPEAKER_00

Yeah.

SPEAKER_04

Yeah. I they also got my banana peppers.

SPEAKER_00

Oh, did they? I didn't think they messed with anything else.

SPEAKER_04

Yeah, they did. I I got them off, but wait, you just say they're a fruit? Yeah. Well, technically there's no definition of vegetable, so correct.

SPEAKER_00

But they classify as a fruit. Vegetable is a catch-all, but pick it under fruit.

SPEAKER_04

But tons of vegetables are fruits.

SPEAKER_00

Fruits are fruits. Vegetables are things we eat that aren't fruits.

SPEAKER_04

No, they aren't.

SPEAKER_00

Yes, they are. What do you mean?

SPEAKER_04

Okay.

SPEAKER_00

It's a definition thing.

SPEAKER_04

Vegetables are just things we eat that aren't fruits.

SPEAKER_00

I'm pretty sure that's the definition of it.

SPEAKER_04

Okay. Fascinating.

SPEAKER_00

Are you okay? You look bothered.

SPEAKER_04

Yeah, I am kind of bothered. Not by you. I don't like that.

SPEAKER_00

I will look it up for you right now.

SPEAKER_04

No, I don't need you to look it up. It makes sense.

SPEAKER_00

It'll fall under the definition. We just have to define vegetable. That's all it is. Define vegetable.

SPEAKER_04

Because like zucchini would be a fruit, then.

SPEAKER_00

Any edible parts of a plant consumed as food, including roots, stems, leaves, bulbs, flowers, and seeds. Oh.

SPEAKER_04

A fruit is a vegetable, but a vegetable is not a fruit.

SPEAKER_00

Right? That's what I'm looking up.

SPEAKER_04

I think that that's I think it's a square rectangle situation.

SPEAKER_00

Oh, hold on. I'm wrong about tomatoes. According to the 1893 Supreme Court, Nix vs. Hedden, the court ruled that tomatoes must legally be classified as vegetables and taxed accordingly. So you know I'm a man of the law, so especially if that law is 130 years old.

SPEAKER_04

I think all fruits are vegetables, though.

SPEAKER_00

Yeah.

SPEAKER_04

But not all vegetables are fruits.

SPEAKER_00

Some of there's also botanical classification and culinary classification.

SPEAKER_03

Right.

SPEAKER_00

So it's um mixing up biology terms and culinary terms.

SPEAKER_03

Okay.

SPEAKER_00

A fruit is a very specific thing. So like a tomato is a fruit. Broccoli florets are a flower.

SPEAKER_04

Right.

SPEAKER_00

That kind of thing. What about zucchini?

SPEAKER_04

Zucchini is a fruit?

SPEAKER_00

Uh probably. Yeah. It has something to do with the seeds too. But yeah. Just the seed-bearing structure in flower and plants. Yes. Nuts and grains are also fruits. I guess. Although nuts, aren't they legumes? Anyway, it doesn't matter. We're getting way down this. But it's a culinary term and a botanical term. But according to the Supreme Court of the United States, tomatoes are vegetables.

SPEAKER_04

Nuts and seeds are fruits?

SPEAKER_00

They're the part of the plant that is. Wouldn't nuts be seeds?

SPEAKER_04

Yeah.

SPEAKER_00

And wouldn't seeds. I don't know. I don't know. I was reading a discussion, and I think the discussion is maybe I don't know. I'm taking one person's opinion, maybe a little heavily.

SPEAKER_03

My brain's broken.

SPEAKER_00

I think we learned less as we talked more.

SPEAKER_03

Yeah.

SPEAKER_00

Which is on brand.

SPEAKER_03

Very on brand. That feels like I think we're overthinking.

SPEAKER_00

Oh wow. Look at that. What a name drop.

SPEAKER_03

I don't think I've ever done that before.

SPEAKER_00

That seems impossible. There's no way. In 25 episodes, we've definitely done that before. That's what we did in the real world. Uh, have you done anything online? Is there any chronically online discussion

Love Island Fame And Social Strategy

SPEAKER_00

to be had?

SPEAKER_04

Yes. Love Island's over.

SPEAKER_00

Oh, you seem so happy about that.

SPEAKER_04

I'm so excited. I didn't finish it.

SPEAKER_00

Really?

SPEAKER_04

I never finished the last episode.

SPEAKER_00

So you have like an hour and a half left?

SPEAKER_04

Like 45 minutes.

SPEAKER_00

Not okay. Awesome.

SPEAKER_04

And I don't really care.

SPEAKER_00

What okay. I'm so confused.

SPEAKER_04

Well, because I know who wins, and I am and I know what everybody's talking about through discussion and stuff because I was there for the whole season and I really don't care.

SPEAKER_02

Okay.

SPEAKER_04

But the part that I'm fascinated by is they uh get their phones back at the end and they get to see how much their audiences have grown. So the lowest following per followed person going into Love Island was Trinity. She had 3,000 followers across platforms.

SPEAKER_00

Okay.

SPEAKER_04

And she now has over 2 million.

SPEAKER_00

It's good. There's a reason people want to be on the show.

SPEAKER_04

Isn't that nuts? But then there are other people that were on that started out like with 15,000. Like I think TT, I wish I would have actually pulled up the list for this, but I think she only has like 200,000.

SPEAKER_00

Ah, gotcha.

SPEAKER_04

So some people don't get the same kind of bump.

SPEAKER_00

How important is it to be on it for long? Like I'm sure.

SPEAKER_04

On it for what?

SPEAKER_00

Longer. I think like your length of stay on the show.

SPEAKER_04

I don't think you're I think your length of stay on the show gives you a greater chance of being somebody that people are emotionally invested in. Okay. I do not think that being on the show for a short period of time is automatically a guarantee that you won't have people invested in.

SPEAKER_00

I think my engineer brain is showing. I'm like, who has the most follows per minute?

SPEAKER_04

Like Trinity.

SPEAKER_00

That's what I want to know.

SPEAKER_04

Well, actually, probably Soul.

SPEAKER_00

Gotcha.

SPEAKER_04

That was a girl that was on for a short period of time.

SPEAKER_00

That like that's what I'm curious about is obviously people like who they like and those people will be followed. But were there people that were on for like three weeks that people really liked that blew up?

SPEAKER_04

But it's also a lot less about how they handle on the show and how it's much more on how they handle when they come off.

SPEAKER_00

Got it.

SPEAKER_04

So Jen is someone that was on the show that didn't make it the whole time. She was on it for a while though. But when she got her phone back and was out, she immediately launched into getting regular content out, being uh supportive of all the other cast members and kind of poking jokes at things that happened during the season, like her and this guy, Gall, who's from Venice. You did you see him?

SPEAKER_00

Yeah.

SPEAKER_04

So oh, you saw the conversation between the two of them. You watched that episode. Or did I? Yeah, where he was telling the girl that uh she was overreacting or she was, I don't remember what I don't know if I saw that. Oh, okay.

SPEAKER_00

I don't know if I was there for maybe I was like in the room, but I'm not sure. He was only in like a few episodes, so I'm laughing because you've the like Big Al's Toy Barn on TikTok. He does some stand-up. He also has like he has his like ASMR podcast where he's like grilling in the park. You know what I'm talking about? No, I want to show them to you. So he like I send you his stuff semi-regular. He's he's funny.

SPEAKER_04

Okay, so I probably do.

SPEAKER_00

He's so funny. I I love his stuff, but he also does but he Gall's coffee shop, which I don't know that much about the show. I just know that he constantly talked about his coffee shop.

SPEAKER_04

He didn't constantly talk about his coffee shop. No, no, no. To be clear, he did not constantly talk about his coffee shop. Everybody talked about him owning a coffee shop and were asking for him to make their coffees in the morning. And his coffee shop was super vocal on social media.

SPEAKER_00

Gotcha.

SPEAKER_04

And so because they were super vocal online, like everybody knew about it because his Team marketed it really, really well. Okay. Like when he was an asshole to Jen, who's the girl I'm talking about, they made a video on their TikTok and was like, we can't pick who our boss is, but we can try to make up for what he did. Anyone named Jen, come in and you'll get a free coffee today.

SPEAKER_00

Like that's hilarious.

SPEAKER_04

Like they like really played into it well.

SPEAKER_00

Got it. That's awesome. That's awesome. Anyway, he goes to that coffee shop. Like he went to it. He's a long-standing customer of that coffee shop. And he's like, I can't go to that coffee shop anymore. It is jam-packed. And he's just like, I just want my regular thing. Yeah. And then he like he knows Gall.

SPEAKER_02

Yeah.

SPEAKER_00

And he was talking to him and he's like, Yeah, it's just filled with women who like kind of hate me now, but want to get coffee there. It's funny.

SPEAKER_04

So that's hilarious.

SPEAKER_00

It's great. Well, mainly I think they're like roasting him, not hating like right, totally.

SPEAKER_04

Well, he uh Jen got knocked off the show and Gall and her had like that where he it just didn't go well on the show between them. Like they weren't interested. She had a really funny line where she was like, If I wanted to date some uh lame surfer boy from Venice, I would just move back to LA, like something like that, you know, because she's a model and um I really liked her. Right. But they uh did a photo shoot together where I like I don't know, all this stuff and like really played into things and obviously are getting along fine and are friendly with one another. And the reason I brought that up is I think the people who build the most cult like followings and really loyal audiences post-show like that are people that are able to immediately get online and lean into the conversation and the jokes and the fun and like the culture that's built around it.

SPEAKER_00

Got it.

SPEAKER_04

Rather than there are also people that were on the show who come out and then try to defend themselves and try to make something out of nothing, or they're like bashing other contestants, or like, no, you don't understand, you shouldn't like them, they're terrible, or whatever. And those are the people who immediately draw back down tomato, tomato, tomato, tomato.

SPEAKER_00

Got it. Okay. So when you come out, is it best to stay involved show wise? Are you trying to do your own content direction?

SPEAKER_04

No, you stay involved show-wise, and you're silly goofy, and you're supportive and you're kind, and you are a good steward of being the butt the butt of the joke.

SPEAKER_00

Got it.

SPEAKER_04

Like you allow yourself to You play your role. Yeah, you play your role.

SPEAKER_00

Yeah. If you were the good guy, you stay the good guy.

SPEAKER_04

If you were the bad guy, you stay the bad guy, or you Well, I think if you were ended up being the bad guy, your best move is being like really owning it.

SPEAKER_00

Mm-hmm.

SPEAKER_04

And you go full heel, like you don't go full heel like you're the villain, but you own that you didn't handle things well. Sure. And you continue, hopefully, as long as you weren't so terrible that you have cultivated good relationships with people within the house.

SPEAKER_00

You could just actually be a bad person, you know.

SPEAKER_04

You could actually be a bad person. But if you're not and you got a bad edit, sure. You get on, you don't defend yourself, you own it, and you proceed with having good relationships with other people in the house, and I think you can still make a career out of it.

SPEAKER_00

Sure. Okay. Got it. You're a big you love social media, you love strategy, so I was curious what you really do. I figured you had takes on the directions that you can.

SPEAKER_04

I think Jen is doing the best job out of everybody so far in terms of it's very strategic and very well executed. Other people are growing like faster and better, but there's not as much direction. They're not doing anything wrong, but she has a real clear.

SPEAKER_00

She has direct most momentum. Is that the right way to put it?

SPEAKER_04

I think in terms of where she's planning to take her career, yes.

SPEAKER_00

Okay.

SPEAKER_04

She's a model. I'm assuming from what she shared that she's hoping this will she's a very successful model already, but I'm thinking that she's hoping this will take her to like the next level.

SPEAKER_00

Yeah, I guess that does make sense. You would want that kind of career where promotion is so I mean, your job is promotion, you're a model. But if you go into it with a focus and a plan, you can really uh launch something.

SPEAKER_02

Right.

SPEAKER_00

Whereas some people, if you were like a telemarketer before, you're gonna have to spin something up out of nowhere. Or interesting, interesting. So I know a lot of people go on the show for the social pop.

SPEAKER_04

Yeah, but I'm glad it's over.

SPEAKER_00

Okay.

SPEAKER_04

I had fun in terms of knowing what's going on and like being a part of the social dynamics of it all. I don't know that I had fun.

SPEAKER_00

It's a lot of TV for you.

SPEAKER_04

Like, if it wasn't on social media and it wasn't something everybody talked about, it's something I would never do with my own time.

SPEAKER_00

Well, I really laughed a couple times watching you watch some episodes where you sat down and you would 15 seconds skip 40 minutes of show in one. Like if it was an hour and a half long, you'd be like, click, click, click, click, don't care, don't care, don't care, don't care, don't care, don't care. It would be some challenge. Then you'd be like, Okay, got it. I think I've seen enough of this on social media, like, click, click. You would do if it was a 45-minute episode, nine minutes. Hour and a half, maybe 20, like of time that you sat down and watched it with other people, you were enjoying it. You had a conversation going, it was a social thing, but it is definitely a social thing for you. It's watching you watch it, I was like, I don't even know why you turned this on.

SPEAKER_04

It's not so that I could keep up with everybody, what everybody's saying.

SPEAKER_00

But you didn't hear anything anyone said.

SPEAKER_04

Yeah.

SPEAKER_00

You were just like facial expression, facial expression, two or three.

SPEAKER_03

I did more than that.

SPEAKER_00

Whatever I saw you watch, you did not.

SPEAKER_03

Okay.

SPEAKER_00

Just 30 second, 30 minute chunks at a time. Just I respect it. I I'm a completionist. You know that. I would sit there and just grind the whole thing.

SPEAKER_04

I'm a little

Reality TV Ethics And Money Power

SPEAKER_04

insufferable, I think, in that I have a lot of opinions about how participating in the systems that we have are part of our cultural demise.

SPEAKER_00

Okay.

SPEAKER_04

And things like Love Island feel that way to me, and like Mormon wives and some of these other like I it feels like the question that went really viral for us in 2020, where it's like, if you were offered a billion dollars to punch your uh wife or your girlfriend in the face, yeah, whatever, would you do it? And it's like, well, yeah.

SPEAKER_00

And it still would stand by that.

SPEAKER_04

And it it speaks to I've also thought a lot about the fact that like it's not like you're practicing punching anything ever. So you're not as concerned that you're gonna like kill me.

SPEAKER_00

I guess. Sure.

SPEAKER_04

Some people are really worried about they're gonna that they would kill their wife if they punch them as hard as they could.

SPEAKER_00

If you punch them as hard as you can.

SPEAKER_04

Right.

SPEAKER_00

People are overthinking how I don't think you have form. I think that's rude, and I think I know plenty about form. You know, I research everything. Um it comes from the lower half. Tight.

SPEAKER_04

Well, then maybe I would die. But you know what?

SPEAKER_00

I think people think people die too easy.

SPEAKER_04

I would I what?

SPEAKER_00

She's going through it, guys, okay? No, I'm not she's not having a good mental health month. And so she's like, you know what? If I died because you punched me in the face for a billion dollars, I'm glad our kids are set up. And it's not my problem anymore.

SPEAKER_04

That is kind of how I feel.

SPEAKER_00

That is a cry for help, but No, it's not.

SPEAKER_04

I don't know. That's not what I mean. I'm not saying please do it. That's not what I'm saying. But I'd like to restart.

SPEAKER_00

Like that's a hell of a life insurance policy.

SPEAKER_04

No, exactly.

SPEAKER_00

Sure.

SPEAKER_04

Exactly. That's what I'm saying.

SPEAKER_00

Yeah. But for a billion dollars, I can have the therapy I need to get through killing my wife, I guess, right?

SPEAKER_04

Probably not. No, not personally, had I was about to say, I don't think that would go well for you.

SPEAKER_00

Electro show, surely there's something we can do.

SPEAKER_04

I think it might help you that like you were like, it's what she wanted.

SPEAKER_00

This is we did a podcast about it. It's how she wanted to go.

SPEAKER_04

Oh my gosh. Okay, wait, let me get back to something that's always bothered me about that. Is like, yes, it's true, but it's also an indication of us living in a time that wealth and money prioritizes the quality of life that you have. I mean, I guess that's always been true, but it's so incredibly extreme, and it is everybody's priority.

SPEAKER_00

Yeah. Well, I mean, the middle class has really almost never existed.

SPEAKER_04

Right.

SPEAKER_00

For most of human history, there's been like 15 people that have all of the money, and then everybody else has nothing. They own all the land, they control, you know, millions, everything. They control everything.

SPEAKER_02

Yeah.

SPEAKER_00

And then everybody else is peasants. And for this little chunk of human history, there has existed a middle class. And we're working on getting rid of it again, but you know.

SPEAKER_04

Well, I feel like watching Love Island and watching things like that feels I it's the downfall of the middle class. No, I hate talking about stuff like this and that I have these thought processes because I fear sounding like I'm being judgmental of people who enjoy it or watch it or making it deeper than it is, or because I really don't, I'm not judging anybody, I'm not thinking about anybody. I just have a tendency to think about we're taking people and kind of humiliating them for show. And even if they're willing participants in that, is that okay? And they're putting their mental health on the line and they're putting themselves on a chopping block to be absolutely cut down by millions of people. Like, I just don't like the whole system. Okay. And that's why I have a tendency to have a hard time engaging engaging in it.

SPEAKER_00

Engaging with it.

SPEAKER_04

But I love the social aspect.

SPEAKER_00

You love a little piece of monoculture.

SPEAKER_04

Yeah.

SPEAKER_00

To some degree, though, that's the entertainment business. It always has.

SPEAKER_04

I know.

SPEAKER_00

Not necessarily always humiliation, but it does, it's quite literally putting people on a pedestal in some way.

SPEAKER_03

I know.

SPEAKER_00

Whether to throw tomatoes at them or to raise them into a higher being, and neither one of them is the real reality.

SPEAKER_04

Right. I think I just struggle with that.

SPEAKER_00

I think it's just something that makes you think about it more. You it it raises an awareness in you rather than a judgment. You're not going out like raging against no, not at all.

SPEAKER_04

I mean, I watched and I had a great time with my friends, and I it's not like that.

SPEAKER_00

But it's just sensitivity for you.

SPEAKER_04

Yeah, it is really sensitive to me, and I don't know why.

SPEAKER_00

It's interesting.

SPEAKER_04

I don't know what it is about it. I I think part of it is people have a lot to say about reality stars and influencers and creators, but we don't have anything to say about MBA players or MLB players, or not never, like you hear things sometimes, but for the most part, everybody's okay with that, but not okay. You know what I mean? Like, I I start to get dicey with stuff like that.

SPEAKER_00

Okay.

unknown

Yeah.

SPEAKER_00

It's valid.

SPEAKER_04

I don't know. Maybe I'm just insecure.

SPEAKER_00

We all have insecurities. Anyway, that's my uh Love Island, the the end of Love Island that yeah.

SPEAKER_04

Uh Chronically Online.

SPEAKER_00

Chronically Online, okay. Yeah. Got it.

SPEAKER_04

There have been all kinds of edits and stuff. I'm hoping that Bryce becomes a DJ now just full time rather than having to

Trash Truck Life And Always Sunny

SPEAKER_04

work on the trash truck. Although he seemed to like his job as uh uh a trash trash truck? I think that he cleaned trash. I don't know. Yeah. I think he cleans trash trucks or he like maintains.

SPEAKER_00

Okay. I don't know. I won't lie, I feel like people that do trash trucks usually like it. It's not the worst life. Usually they're paid well and your hours aren't insane. Is my I think I'm gonna say all of this. I don't actually know this for a fact. But usually you have to wake up early because a lot of times they go out early, but then they're done fairly early too, and you have I think it's a fairly decent work-life balance and usually compensated well, especially like in bigger cities. So it's probably not the worst in the world. It's a straightforward job, you know, you're not having to really think about it. I'm sure there's terrible days you have to really deal with some smells. I feel like I'd be good at it.

SPEAKER_04

You would be good at it. I think you'd like it.

SPEAKER_00

Yeah, not a lot of thinking, just trash in the truck.

SPEAKER_04

You could listen to a podcast and just fly.

SPEAKER_00

Sometimes you get to stand on the outside of a truck, ride.

SPEAKER_04

Honestly, I feel like it combines all your interests.

SPEAKER_00

What trash?

SPEAKER_04

No, oh not having to think, physical labor, yeah, repetitive task.

SPEAKER_00

Yeah, yeah. Again, I hear trash truck and I'm like, that could be a lot worse.

SPEAKER_04

A machine that it has buttons.

SPEAKER_00

Yeah, big heavy truck.

SPEAKER_04

Yeah.

SPEAKER_00

Although I don't always love driving a big truck.

SPEAKER_04

Well, you wouldn't, I don't think you want to drive though, because it doesn't everything work in a team. I think that's true. Obviously, there's like a driver and a guy. So I feel like you don't want to be the driver, you want to be the trash guy.

SPEAKER_00

That's true. That would be the life. Yeah. If you're a dedicated trash guy and you don't have to drive the truck, yeah. So you don't have any of the anxiety of driving the truck.

SPEAKER_04

And I'm sure somebody else would be thrilled to just drive the truck. Just drive the truck, and they're like, I don't have to. Yeah.

SPEAKER_00

Yeah, I would be paired with like an old guy that doesn't want to throw trash, and I'd be like, I'm the trash thrower.

SPEAKER_04

They call me the trash man.

SPEAKER_00

That sound on TikTok, which is from Always Sunny. So I've I've loved that show forever. But I'm the trash man, I'm gonna throw trash all around the ring. Yeah, I'm gonna eat garbage. Yeah, it's so good. I love that. You don't know what I'm talking about. You should look it up. It's great. Love that episode. That's the wrestling, the gang.

SPEAKER_04

Anyway, you love always sunny.

SPEAKER_00

Love that show. I've always loved it. I think it's still going. They went making it. I've I've watched all of it that they've made. I'm looking that up now. Always Sunny.

SPEAKER_03

Oh my god.

SPEAKER_00

Season 18. Yeah. They just set an hour ago they set a release date for season 18.

SPEAKER_04

Oh wow. Big news.

SPEAKER_00

Yeah. That's so like they've done a show so long. And when you do a show that long, it yeah, it's really impressive. They're they're interesting people. I know people he changed Rob Maclehenny changed his name to Rob Mack, which I don't even I don't even understand why. I haven't looked that much into it. I feel like people have big feelings about him.

SPEAKER_04

Big feelings, how?

SPEAKER_00

I think it was pro for a while. I think it's kind of con now.

SPEAKER_04

Because of well, he's this feels chronically online.

SPEAKER_00

It is chronically online, but I haven't done the research. Oh, okay. Maybe I'll bring it to the table next week. I also know that it's super relevant. Other than the fact, oh his sunny just set a release date, so maybe we can parlay that into I know that him and What's Her Faith have been married for a long time. Kristen Olsen?

SPEAKER_04

No idea.

SPEAKER_00

The D on the show. Mm-hmm. Yeah. Yeah. They're funny. Danny DeVito's funny. It's kind of a cool group. They did a podcast for a while that I enjoyed. They recapped their episodes and like analyzed them, which was entertaining. I digress. I digress. Ward of the

Word Of The Week Susurrus

SPEAKER_00

week? Let me get you on. Ward of the week. Have we done Susuris?

SPEAKER_04

I don't think so.

SPEAKER_00

Okay. Apologies if we have. It's a word I like. Susuris.

SPEAKER_04

I really don't think we have.

SPEAKER_00

Okay. You want to take a stab at spelling it?

SPEAKER_04

S-A.

SPEAKER_00

Wrong.

SPEAKER_04

Okay. S E wrong. C E. Okay, just tell me. Jesus.

SPEAKER_00

It only has three letters. S-U, S U, R R U S. Cesuris.

SPEAKER_04

Kind of like Toys R Us, but Cesurus.

SPEAKER_00

It has us at the end, yeah. Yeah. And an R, yeah. Sesur R Us. That was that was a stretch.

SPEAKER_04

Mm-hmm.

SPEAKER_00

Any guess on what it means?

SPEAKER_04

No idea.

SPEAKER_00

A whispering or rustling sound.

SPEAKER_04

Cesuris.

SPEAKER_00

Yeah. The ceserus of the sea. All around.

SPEAKER_04

The word sounds like the definition. Right? Cesuris.

SPEAKER_00

Yeah. The Cesuris. The Cesurus of leaves in the wind.

SPEAKER_04

Ooh. If I wrote books, that would be good.

SPEAKER_00

It would. It is a word, again, we've done a lot of these words that if you put it in a book, people would be like, I don't know. You'd have to really lean into the context clues, or they'd have to look it up. I love to pull up either an archaic word or just one so obscure that it just doesn't hit. But I like that one, Sesuras. Mainly because it just rolls off the tongue. Sounds like what it is?

SPEAKER_04

Sesuras.

SPEAKER_00

Sesuras.

SPEAKER_04

I like it. Uh hit us with a voicemail

Personal Growth With Partner And Kids

SPEAKER_04

or a text message or an email.

SPEAKER_00

All right. Hey Joe and Matt. I wanted to know if you have any advice on how to continue to grow personally while having a family or significant other. I'm struggling to continue to find passions and hobbies while maintaining a relationship. Thanks for the pod every week.

SPEAKER_04

When your kids are little, like really little, I think this is a big disservice we do to moms, maybe dads too. I'd be curious about your feedback.

SPEAKER_00

Sure.

SPEAKER_04

But so many women I know have a 18-month-old and will say, I just feel so lost. I haven't found myself again. And it's like, well, yeah, you have an 18-month-old.

SPEAKER_00

Yeah.

SPEAKER_04

I think that in Western culture, especially in the United States, women think now, like there's been this huge resurgence of like, you need to get your pink back. You need to, you deserve to have your independence and have take care of yourself too, etc. And I think that that's been confused with another task moms need to do. So now you need to be a super present mom and you need to be organized, and you need to be documenting your kids' childhood perfectly. And you need to be um also making time for your partner. And you need to be making time for yourself and show how independent and still in touch with yourself you are while doing all of that. Like I feel like it's been an added task rather than like a performative hobby.

SPEAKER_00

Like a performative hobby, like you need to do this to show that you have something outside of.

SPEAKER_04

I don't think that it's performative.

SPEAKER_00

Okay.

SPEAKER_04

I think that it's something that women are taking on and internalizing as oh, I'm failing if I'm not also doing this.

SPEAKER_00

Got it. Okay.

SPEAKER_04

And so the reason I bring that up is I don't think there is a lot of finding yourself or feeling real clarity on yourself individually until your kids hit three.

SPEAKER_02

Yeah.

SPEAKER_04

Four. Because you're pretty busy with them. It's not that you can't do things for yourself. It's not that you can't, you know, take the time to focus on you. But that time is not going to feel like this big independent personal growth journey, I don't think.

SPEAKER_00

Okay. What about if you're just in a relationship, not kids? Because I feel like that might be more in the spirit of the question.

SPEAKER_04

I would wonder what's stopping you from personal growth.

SPEAKER_00

Okay.

SPEAKER_04

Like I don't know that more. I don't think that I have ever experienced in a relationship that is healthy a need to stop my personal growth and my own independent journey. And I think that's something that really led me back to our relationship and gave me confidence when we reconnected to end up back together.

SPEAKER_01

Sure.

SPEAKER_04

Because our entire relationship, I've always felt very encouraged and celebrated and supported in pursuing who I wanted to be individually and growing individually while also knowing we were growing together.

SPEAKER_02

Okay. Yeah.

SPEAKER_04

So I think that if being in a relationship absorbing if you're feeling like your relationship's absorbing all of your capacity and that you're not getting time to yourself to think about your things, I think that would be a conversation that needed to be had with your partner.

SPEAKER_02

Yeah.

SPEAKER_04

Because I don't think that's something that you can do better individually. I mean, maybe it depends on circumstances.

SPEAKER_00

I was having that thought when you were talking about with a family, is it's very dependent on your partner. You and your partner have to have that dynamic. You have to have somebody that is like you have to have a support system, ideally your partner, but if that's family or you have the ability to pay for care, like that, that is required to be able to explore that. Just in a relationship, not really the same barrier to entry. But yeah, I'd be curious to know if it's more of an individual issue finding hobbies, exploring what you're interested in, just not having that just struggling with that. I like I understand that fully. I've I've struggled to develop hobbies and stay consistent and really explore what am I looking for, what am I lacking? And that's more of a ADHD not connected to my body dissociation issue rather than a support issue. Because you've the entire time we've ever been together encouraged me to grow and develop and pursue hobbies and relationships and all of those things. And so a start there. Is it self-limited or is it limited by maintaining a relationship and who you're with? If it's not who you're with, it's it's something probably more to explore in like a therapy setting in terms of how do you connect to what you're looking for? How do you allow yourself to want something? How do you listen to that voice and encourage it?

SPEAKER_04

Well, and as you add people to your lives, whether that's a partner or children. The way that you navigate stuff changes. So you do have to kind of reinvent the way you do it. And I don't know that I'm the best to give advice on that just because we've been together so long. And I don't think that's something I've ever had to think about. Like I don't think that's something we've had to work for.

SPEAKER_00

Okay.

SPEAKER_04

Or I I shouldn't no, I should clarify. Maybe not we. I would agree that you've struggled with that more.

SPEAKER_00

100%. But it's a it's an individual issue.

SPEAKER_04

Yeah.

SPEAKER_00

I've struggled with that outside of a relationship. In fact, I think our relationship has pushed me more to do those things. By myself, I would find one thing that I'm interested in, and I would just do that either forever or until it lost its sparkle for me. And then you move on.

SPEAKER_03

Totally.

SPEAKER_00

And so you've been a much more present example of growing personal growth and uh fixation for me. You love personal growth. You love a performance metric. You want like KPIs for I do. Yeah.

SPEAKER_04

Badly.

SPEAKER_00

That's great. Love that. You've got a little analyst deep inside somewhere. This person actually has two messages. Somebody also had a suggestion that my videos uh could just be called This Is Not a Tutorial.

SPEAKER_04

That would be a good series.

SPEAKER_00

Yes. Yeah. It's not bad. I like the uh it's a nice fun disclaimer up at the top. Gives it a little branding.

SPEAKER_04

Welcome back to This Is Not a Tutorial.

SPEAKER_00

Today I'll be doing XYZ. That's funny. I like it.

SPEAKER_04

Who's that? Give them credit.

SPEAKER_00

Credit. Credit where it's due. Their name's not on it. Shout out to you in North Carolina.

SPEAKER_04

Shout out North Carolina.

SPEAKER_00

Good ideas coming from North Carolina.

SPEAKER_04

Welcome back to not a tutorial, a series where you can watch me perform regular maintenance around my home, but please don't take it as advice.

SPEAKER_00

Yes.

SPEAKER_04

I like it. Yeah. I think that's solid.

SPEAKER_00

I think it's got legs. Here's a good question. This might be uh here, you want to read this one?

SPEAKER_04

All right. My fiance and I have been together for almost 10

Freelance Money Planning For Families

SPEAKER_04

years, and he's been a freelance YouTube editor for almost half of that. He's worked with some amazing people and loves what he does. I've never not had a full-time employed job, so struggle more with the instability of freelance work. Even though he's always provided, sometimes it still comes with last-minute stresses when things can change in that space so quickly. We don't have kids yet, but we would love to in the next few years. Other than having emergency savings, do you have any tips on financial planning as someone in the creative freelance space while having a family? Do I?

SPEAKER_00

Yes.

SPEAKER_04

Uh okay.

SPEAKER_00

So you love that one.

SPEAKER_04

I do love this one. The strategy that I always use when I was doing wedding photography is instead of looking at what I could make any given month or looking at what my top months were or what my average months were, I looked at what my floor was for the year. So if I wanted to make $60,000, the thing about being freelance is maybe one month you'll make $20,000 and another month you'll make zero. And I always kept that in mind. So I would base all of my budgeting on $60,000 a year. I'm using that as an example number because it's going to be easy to do the math, not because that's right. Like you have to find what that is for you. But that means that I would have $5,000 a month for my expenses. And what I would do is have my business account that all my freelance income goes into. Um, I would immediately pull stuff for taxes off to the side. So that's already ready and prepared. And then anything I made over that $5,000 threshold would get put into a high yield savings that just sat there for usually quarterly because I paid my taxes quarterly. Then at the quarter mark every quarter, I would get a bonus if I had extra money in there. So if I made $20,000 in January, then well, let's I'm eliminating taxes from this conversation just because I'm trying to make it as simple as possible. That $15,000 would go into that high yield savings account. And then if in February I only made $2,000, I could pull $3,000 out of it in order to supplement. But then in March I made $8,000. So another $3,000 goes in. And then my quarterly taxes go and I would leave some kind of floor number in that high yield savings account, like $5,000 if I needed to. But it's basically a float account so that I'm always receiving the same reliable income from my freelance work. And then I also have a bonus structure. So I budgeted, I made all of my goals and my planning based on my base salary that I was paying myself. And then the bonuses or what I would budget every quarter for doing fun stuff or extra stuff or extra investing, extra saving, et cetera.

SPEAKER_02

Sure.

SPEAKER_04

Did I explain that in a way that makes sense at all? I on my website, I think it's still live. Like years ago, I did an entire breakdown of this via actually writing it out for you.

SPEAKER_00

Yeah.

SPEAKER_04

And that's probably more helpful than trying to explain it verbally.

SPEAKER_00

Yeah. The other thing I would say is especially if you're structured well as a business, and I'm not a CPA, I'm not a business planner, but there do exist business lines of credit to maintain a payroll. So you could explore that. Again, with no knowledge of your financial situation, what the cash flows are, that's best to probably talk about with an accountant or with somebody that does business planning, but you could explore lines of credit that can float a payroll as your actual costs go up and down. Obviously, be very careful with a line of credit in terms of I feel like that's kind of what I did for myself.

SPEAKER_04

Exactly.

SPEAKER_00

You were describing that. But if you're not somebody that either has that ready to start, or if you have records, you're gonna need records in terms of your business. You're gonna have to prove reliable income. But if you have 10 years of business records, especially if you have a relationship existing with a bank that has seen your business records, you could explore a line of credit option in terms of trying to maintain a steady payroll.

SPEAKER_04

Well, I think the thing that's really easy when you do freelance is to fall into well, I think I can make XYZ, and then basing off of that, rather than looking at what you have made and making all of your plans around that and then granting yourself bonuses if you go beyond that.

SPEAKER_00

And it can be dangerous to go, this is my average. I'm gonna always average this because averages can go down.

SPEAKER_04

Right.

SPEAKER_00

And so if you shoot for a reasonable floor and below median, yeah.

SPEAKER_04

Well, and then if you're doing it quarterly, you're getting a bonus every 12 weeks. So it shouldn't stop you too much from booking a vacation if you're making more or going to do something fun if you're making more, etc.

SPEAKER_00

Yeah.

SPEAKER_04

That's how I did it.

SPEAKER_00

Totally. Yeah. It's basically there may be business lines of credit that you can explore, or you are your own line of credit and you it just requires building up that reserve.

SPEAKER_02

Right.

SPEAKER_00

With a family, though, it is important to have a plan in terms of we're gonna have these so that it's steady. Yeah. You're gonna want three to six months of some some forecast ability.

SPEAKER_03

Yeah.

SPEAKER_00

But I get being the person that's like, I get a salary and I get paid every two weeks, and that is the stability. I've I've gotten my whole life off stability, and so it's been a crash course for the city. Marrying me was a uh it's been really good for me, and it's been really hard. It's been really hard in terms of it's totally antithetical to the way I think, but I've also seen you execute it year over year, going, No, I'll just make more, or I will do more, I I have this all planned out, and it is gonna work out.

SPEAKER_04

Well, and I've been self-employed for almost a decade.

SPEAKER_00

Yeah, totally. Yeah, it is um, it's still wild to see and feel, but I have learned that you can do it and that it is um there is something to the spirit of going. You'll hear people say sometimes that it's easier to make more than to save more. And you've you've taught me that definitely. There is there's only so much you can save if you're on a fixed income, if you are, if you have the ability to scale your your income, and that's you know, some sometimes you do, sometimes you don't, and you have to be able to to weather the downside of it. But if you can make more, that has more utility than saving more out of a fixed level.

SPEAKER_04

So if you can balance the two together, like if you're a salary person, clarify it's about you can only minimize your lifestyle so much in order to save. If you can have a reasonable lifestyle and then also increase your income, then your ability to save grows tenfold.

SPEAKER_00

Yeah, yeah. Adding, yeah. Which sounds dumb when I say adding income makes it easier to like.

SPEAKER_04

Well, no, that's why I was clarifying because the way that you were saying it, it's like, well, yeah, because you have more.

SPEAKER_00

You gotta make more to save more.

SPEAKER_04

No, exactly. And it's not really in there.

SPEAKER_00

There's a good lesson in there said by somebody with a better touch than I did there, but yeah, you get the gist. Yeah. Gist.

SPEAKER_04

So well, something that you've always done is like you will cut everything you love out of your life because you're like, Well, we're saving right now. And I kind of pushed back and I was like, Okay, but what if you still did the things you loved and instead you went through your closet and like sell everything that you don't wear anymore?

SPEAKER_02

Yeah.

SPEAKER_04

And you were like, What? Like, you can still have all the things you love, and you know, I've never really understood the I understand that there are times that you need to cut back, and that's what it is. Like that's really a real thing.

SPEAKER_00

That's that's a climate I think a lot of people are in right now.

SPEAKER_04

Absolutely. And it's just understandably inflation and everything else.

SPEAKER_00

It's like, yeah, the cost of living has expanded well past wages, but yeah, there is also something to be said for um there's a limit to how much you can minimize your which I I have tried to find that limit personally, but there is only so small you can become.

SPEAKER_04

Yes.

SPEAKER_00

And at what cost?

SPEAKER_04

Totally.

Wrap Up And Listener Requests

SPEAKER_04

Well, leave us a voicemail, send us an email, rate and review the podcast. Yeah. Anything else?

SPEAKER_00

I think that's it. I think we're ready to rock. Enjoy.

SPEAKER_04

See you all soon. Bye.