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The Average Superior Podcast
This show features three nursing home attendants who have realized their brains are incomplete and their bodies are always in pain. They are peasants outside the castle walls attempting to navigate a world that feels rigged while simultaneously trying to be 1000% sure about things they know nothing about!
The Average Superior Podcast
#65 - Budgets and Mindfulness with Mat Champagne
Mat is back for another podcast. We dive into a financial discussion and end up discussing mindfulness; being in the moment and trying to pull enjoyment out of the fleeting moments in life.
Thanks for listening.
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SPEAKER_00:Everyone feels the same way you do. Alright? What do you do right now to make a difference?
SPEAKER_06:I just don't know. The wine app, all that stuff, but I don't know how much money to put to certain things. I honestly need someone to like just take up my shit and be like, here you go. Spend this much, this much, this much on this, this much on that.
SPEAKER_08:Yeah, but it's gonna be individual to your family. So I know you have to figure out kind of I think it's it's you gotta do it on basis.
SPEAKER_06:I don't want to go to a bank and do this.
SPEAKER_08:No, you don't, but like I mean, you just need to go, okay, this month we spent this much money on food and do that for a couple months and realize, okay, this is an average monthly payment of food. And and it's like, do you want to cut that or not? And if you feel like you want to cut that down, then okay, let's take let's take a couple hundred bucks off that a month. And so now your goal is to hit like say you set a thousand, which would be more than that, probably, but say you spend a thousand.
SPEAKER_06:I mean, could somebody just I pay to do all of that for you?
SPEAKER_08:But why would you spend money to pay for that when it's it's just trial and error?
SPEAKER_06:I just fucking want someone to do that. I'm just too busy. It sounds it sounds terrible. It's not that hard. It sounds super horrible. It's not that hard.
SPEAKER_05:It sounds terrible.
SPEAKER_06:It does sound terrible. Yes, shut the shit.
SPEAKER_05:Shut the door.
SPEAKER_06:Wouldn't it be nice? And then they're like, yeah, and you're actually for your retirement, you need a little more or a little less put towards like that kind of a thing. Just like just fucking lay it out.
SPEAKER_05:But why would you want to make your own decisions about that?
SPEAKER_06:I don't fucking tap. I just want them to do it for me.
SPEAKER_08:But you have that's that bad.
SPEAKER_06:But the problem is you can't find someone to do that for you because you can't. Well, no, like because my wife used to do that.
SPEAKER_08:No, but you can pay a financial like person.
SPEAKER_06:Yeah, but she used to do it at the bank and they just they suggest they suggest the worst things. Why is it so good?
SPEAKER_08:No, they no, they completely do. But that's my point, is like you know your family better than anybody else. You that's why I think if you just take a couple months to like sort out if you take out a couple months to sort out, like, hey, this is how much. These are our baselines. Well, there's some things that are like you can't stop spending money on, right? And that's food. Yeah.
SPEAKER_05:Sorry, it's so fucked.
SPEAKER_08:Uh the bottom left s the bottom side doesn't have there you go.
SPEAKER_06:But is it bad when I start talking about it? I'm just like, I just want someone to give me numbers. Yeah, I think that's like I didn't know. I admit that I knew I was gonna get hammered on by you two guys. But you know, it didn't. Oh yeah, we're gonna hammer on it. Didn't you have a person that you were talking to that were Shannon or something that was like, and we're not saying same names, was like, hey, like you can fucking do this and your N Max should be this money, like all this different kind of tricks, and like is there a person like that that you can do?
SPEAKER_08:Yeah, there's a whole bunch of financial advisors out there, but I don't know why you would give them your money when honestly you uh here's my opinion on it. You there's there's some things that you have to spend money on, correct? Oh, yeah, like property taxes, there's things that are like exactly those things that every year you're going to pay. So you know the budget that's easy. Like you put you have to pay for your registration and car and your car insurance every year. You gotta pay for insurance, you gotta pay for those. So these things are like non-negotiable, you have to have them, and then you kind of have an idea of what those things cost per year, right? And then you take your monthly cost and you're like, okay, well, food, I gotta my food, my family has to eat. So then you figure out what your average cost is there, and then so it takes a couple months. Yeah, yeah. I think if if you just or you just go back into your in your your documents, okay, look to the case.
SPEAKER_06:Oh, I don't like doing that because I see a lot of transactions. Like, what the fuck is that?
SPEAKER_08:But that's that's that's why it's great. Because you go back and you look, say, oh, I spent what is that hundred dollars on? Oh, that's stupid. Okay, I need to cut that crap out. And then in that app that you have, I'm assuming I don't use it, you do. I'm assuming that app you have, you could say, okay, this is how much I'm allotting for each. You track it, and then when you start hitting, and if you say you go over that food and you're going over consistently, well, maybe your food budget needs to go up because you're not being frivolous, but you're going over.
SPEAKER_06:It's really tough. That wine app thing is really good, but the only thing I don't like about it is like this month it's like, okay, well, we have to pay for kayak camps in the summer. Now two kids are taking kayak camps and Lana starting basketball, and we gotta get you. Yeah, all there's a lot of pop-up expenses at this age that I'm I didn't build into January, you know what I mean?
SPEAKER_05:But you've also only been doing it for two months.
SPEAKER_06:Yeah, like a month and a half. Like, I haven't had a full, I've had one full month cycle.
SPEAKER_05:So let's let's give it like two years. Oh, God, okay. Because then you can have a room.
SPEAKER_06:Me, me putting all that effort into two years, can I just pay someone 500 bucks? No, no, because that's a waste of$500. And then you just fucking do it for me. No, it really isn't. No, but it is.
SPEAKER_08:You're trying to save money.
SPEAKER_06:Yeah, but I can save money quicker by just having just paying someone to fucking tell me you wouldn't.
SPEAKER_05:You literally will not save money quicker if you are if you're of the mindset where I want to give this decision-making power to somebody else. The whole reason you're budgeting is so that you have data to make decisions about what's important to you.
SPEAKER_06:Okay, all right. Well, anyway, that's what I can.
SPEAKER_05:You're making me angry.
SPEAKER_06:I know I am. I do want to start off this way. It's just I just fucking I was doing my the banking on the way out here. And by the way, we're not taping yet. Uh fucking. We are can't continue. No, no, we're not. No, we're not. Shannon, Taylor, Kara Lee. We got our wife's names out. I don't care about it. Catherine, Catherine, there we go. Yeah, they're all wife names are out there. Um but yeah, it's just pissed me off. I was driving out here doing my banking while I was driving, because I've a safe driver. And I fucking was just getting so mad looking at my numbers. Oh my god, yeah. Bro, first off, second off.
SPEAKER_05:Whoa, what? What? Think a second. We're at number two.
unknown:I'm so mad.
SPEAKER_06:I don't like eran. I don't like airing my money dick out in public. That's why I'm just doing everything.
SPEAKER_08:Yeah. A lot of people have these struggles.
SPEAKER_06:Well then let's have the conversation. I just won't say wife's names.
SPEAKER_05:I don't care if everyone knows my wife's name.
SPEAKER_06:Well, I do.
SPEAKER_05:Have you not started okay? First off, have you not listened to the the the that seven like clips of like money on the diary CEO? Yeah, I did. So why don't you just take something from that, like put 10% of every paycheck away for investments and five percent away from payments?
SPEAKER_06:So why not Wine App has done that for us? We've like it's actually got us to put away it. It's not 10%. We're doing like oh I mean it's not 10%, but it's close to the paycheck, just goes. Every every time I get it, just it's gone. Automatic. But you also need automatic out. Sure. Um I just don't know exactly what to put that in yet, but it's just it's just sitting.
SPEAKER_05:But you just need systems. It doesn't matter what number you pick, yeah, but you need systems, right? My system is 10% of every single dollar that comes into my possession goes into an investment.
SPEAKER_06:You know what's really fucked up though, I was thinking about it, and I I have learned probably more. No, I that's what I that's what I've been doing. That's what fuck fuck you. That's what I've been doing. But I've learned probably more in the last six months about three months about money management than I probably have my entire life. And this is nothing against my family, my but I'm gonna make sure that I think that kids, like my kid will need to know this stuff. You have to educate your kids. Yeah, and and and my my parents are awesome. They are the best, and they always talk about saving, but they never really went into how and whys.
SPEAKER_08:My parents are the same, save.
SPEAKER_06:They're all very much save.
SPEAKER_08:Save your money and then spend it on things, which isn't the right way to do it either.
SPEAKER_05:You've learned so much in three months, and you want to educate your kids, but then you walk into this room saying I want to pay somebody to do that.
SPEAKER_06:Yeah, but I want to educate, I'm not gonna educate my kids about like uh. Yeah, whatever. I got no excuse. I got no excuse. I wanted the lazy way out. That seemed like the lazy way out. It is. Except my when my wife used to do that sort of thing, they would just suggest things that I don't think are really that good. Like they would they would roll, they would not touch any of the life insurance stuff. They would just always just it's RSPs and that is it. And then the way they save the money is a completely different mindset than what I think we we talk about from time to time.
SPEAKER_08:Right now, I mean, this again, this is an opinion.
SPEAKER_06:It is not saying I don't know if the banks are just doing this because it's their products.
SPEAKER_08:I don't know if it's it is, but and again, if you're listening to this, this is not financial advice because we don't know what we're talking about. We're just idiots.
SPEAKER_06:Uh do not make note, do not remember. If you want to know how dumb I am, I can screenshot my stuff and you can put it up on Instagram and then be like, oh, there is dumb.
SPEAKER_08:With that being said, like the RSP thing, like in my mind, especially right now, if you're taking that 10% and putting it into an account, you should have a TFSA account that's what it's an investor. Yeah, and just dump that in there and don't think about it. When, if that ever got maxed out, then maybe you could start thinking about RSPs. RSPs are a giant scam in my mind. They're you're gonna defer your tax now so that later at a different point in time when you're older and maybe have a lower tax bracket, uh, you will be taxed when you pull the money out then. Which again, we don't know what the tax bracket, the tax rate's gonna be then. My guess is a lot higher given the way the country's going.
SPEAKER_05:Plus 20 to 40 years of inflation to devalue your dollar. Yeah, 100%.
SPEAKER_08:It's the same. Yep. So you're way better paying the tax now, in my mind, and then taking that after-tax dollars and throwing that into a TFAS TFSA account, an investment account, forget about it. Like, don't it sure? The thing that's good about TFSA, if you needed money and you like were screwed, you could go grab that. But you can't think about it like that. You have to think about like it's an investment account that's gonna be sit there for 15, 20 years, so that it has time to compound to make money. The second you pull that out, you're losing that, right? And then if you're calling if you want to go down the rabbit hole of insurance, sure. But like, I don't think that needs to be I think everyone needs to have life insurance. I don't know if everyone needs to have whole life insurance, because we can have that conversation, but that's that's not this one.
SPEAKER_02:That's not this point. No, but there's a different there's selling insurance on here now. What the hell did I come to?
SPEAKER_08:But there's a tool, right? There's a there's a tool on this. It is, yes. Hey, you just gotta get three friends into it.
SPEAKER_02:Yeah, exactly. Exactly. You start making money. Then you get an island. Are we recording yet? I don't know.
unknown:Welcome.
SPEAKER_03:I know you're upset about that. Yeah, I have a question about you. I'm trying to keep in my mind what we've already skimmed across. Okay, the interesting thing about pulling money every paycheck, so like if you get paid on I'm just random day, Tuesday, you get paid every second Tuesday. So Tuesday at midnight, or I guess Monday at you know, whatever time, as soon as your check goes in, X amount of dollars goes into a savings account. But if you're not actually budgeting, so like I'm not for two months, I'm not gonna do any uh purchased coffee, or I'm not gonna go to a movie, or I'm not gonna do it, go out for dinner. If you're not actually doing those things and you're just pulling money, then you're just dipping into if you have an overdraft, then every month you're doing that because you're not actually budgeting, you're just pulling that money into a savings, but you're not changing your lifestyle. So really, you're still wasting as much money. Yeah, you just have this account over here that money's going into, but you're still not making enough and making an effort to actually change your lifestyle. Like the stuff that's in your account that you don't pull is what you should be considering for. Like the money that's coming out of your account when you get paid into a savings is the same as your Apple TV subscription that's going to come out every month. Yeah, right. You can actually change anything.
SPEAKER_08:Right. But the difference is okay, yeah, for sure. So that 10% though, that's just like an off-the-top, it's gone gone. But that that is also taking into consideration now that everything else, there's still to be a budget for those things. So, like, if you want to go out and you have like uh once a like date night with your wife once a week kind of thing, like that would be a line item budget. Hey, we have a hundred bucks a week for that or whatever. Um so in general, if you're yeah, if you're throwing 10% of your money into an account, but then you're having to go like into your line of credit to pay for your lifestyle, yeah, you're you're it's not right, you're you're screwing up. But I think that's the majority of people. Oh, you think so? Honestly, I really, really.
SPEAKER_06:But that that's our rule with that, and and that's why that clip you sent, and I don't know if we should repost that on our Instagram, that clip of like the seven different best podcasts, that CEO thing is one of them, is like you just it's gone and you never ever see it or think about that 10% again. And that's what we've been doing.
SPEAKER_05:I I don't but and even even before that, like I think what you're getting at is that if your lifestyle is such that you basically are spending more than you make, you're screwed to begin with. True. Like your lifestyle should be set up in such a way that whatever your income is, it is exceeds what your expenses are. Like that's that's money 101. And if you don't know where your money's going, you will never ever get ahead. Like step number one, don't spend more than you make. Step number two, you need the data to make decisions. Okay. Right? Like that's it is that simple. And then if you're not spending more than you make, then you can make those decisions. I take 10% off the top for investments, 5% off the top for an emergency fund, and then I allocate it to the things I have to pay for and the things I want to pay for.
SPEAKER_06:And I think that that's where you are. And so if anyone is actually doing this, don't get discouraged after one month. Because I'm one month into the complete tracking of everything on WineApp, and I'm just at a point where like, well, I just want to know what numbers are best to put in all of these slots as opposed to um I'll be there in three months, essentially, right?
SPEAKER_03:Do you imagine if you took July as your one month? Oh god, yeah.
SPEAKER_06:Like yeah, you you would look at that and go, I might as well just I I know in in the summer, I know that we spend way more, and probably as much as I make in this in like the June, July, August. I believe we, you know.
SPEAKER_03:So um I don't think that groceries is a good category, even to think about budgeting. And I'll give you a reason for that is that I look at groceries as a must. So I and this is only for me when I shop, I don't look at let's say whatever I'm buying, honey. I'm not gonna be like, okay, this is a$30, it's funny how we're talking about like$30 honey. That's a real thing. Like$30 honey, okay, that's like the high, high brand. And then you have like, you know, great value$9.99 honey. I really don't think there's many people who are like, okay, I need to find the most expensive honey, and I'm not even gonna qualify why that is that much money, and I'm just throwing it my cart. I think the majority of people look at whatever their whatever's on the shelf, which fits their lifestyle. Okay, I'm more of a more health conscious, so I'm gonna get this one, and I really don't give a shit over here, so I'm gonna get this one. I think most people make the right decision there for their budget because if I don't have a lot of money, I'm not gonna throw the$30 honey in the cart. You know what I mean? Like, and I I'm at a point where I'm not like, okay, well, I'm just gonna fill my cart with shit I'm not gonna eat because I'm just gonna be frivolous with my grocery money. So I look at groceries as a must. Like I re I don't think you can budget groceries. I don't think you can over a long scale of time, right? Like I know a monthly average type thing.
SPEAKER_05:Yeah, like I know per year I spend, I'm making a number up, I guess per year I spend$10,000 on groceries. Well, then I did like then I know per month I need to allocate roughly this much much money per month. And the result of that is then I know how much like it's not so much allocating money to groceries, it's like everything else after the things you have to pay for.
SPEAKER_03:Maybe this isn't the right table to have that discussion about groceries because I think it's it's I look at food. Right? So I'm not like if I need to get to work and put gas in my car, it's not an option. It whether I'm in the overdraft or not, uh average person, I need to get to work, so there's gas going in my car. And food is the same thing for me. So if I need eggs and it's the 21st of the month and I don't get just average person, if they get paid on the 30th or the first, well, I need to eat eggs, so I'm going to buy the eggs.
SPEAKER_05:Sure, but over a year's time, if you're spending less than you're making, that's not an issue.
SPEAKER_06:But our but our groceries I think our groceries, because my wife and I were talking, our grocery budget's gonna fluctuate month to month. In the summer months, we're gonna spend more on groceries because we camp so much and we buy more meats and stuff, so it's higher. And you're home all the time. The kids are home all the time. Yeah, and you're home all the time. And I think so they're just they're eating everything in the house.
unknown:Yeah.
SPEAKER_06:I don't know. It's interesting. I really and my wife and the best part about it is that wine app has saved us like right off the bat,$200 a month off useless shit.
SPEAKER_07:Yeah. Great.
SPEAKER_06:Right. And then and now I think my wife is on the opinion that maybe it is time because she hasn't worked or been back at work for like seven or eight years, and we're seeing the freedom that we could have with just a a normal, just a base income extra coming in besides our income. I'm just glad we have a job that has a that puts away a pension automatically because I'm thinking about it. And there's probably people who are like I was a couple years ago where it's just your paycheck to paycheck, and you're just relying on your pension to be your return.
SPEAKER_03:You know how many people are out there that are well, it's a it's a vast range of ages, uh, at the table, but that do not have any pension and they're like 40. Yeah. Yeah, that's what do you do? It freaks me, it freaks me.
SPEAKER_08:This brings up uh like there's that discussion about social social security in the States or CPP in Canada, and it's it just brings up like people think that that oh that that's that's waiting for me. Um it's okay because that's waiting for me. But they really fully don't understand how minimal that's going to be. And the fact that likely in 15, 20 years, there's not gonna be one because there's gonna be no money to fund it. And it's like it's it's really interesting because like you nobody nobody has a backup plan, they haven't thought about the future, and it's scary. Um, and there's like there's op there's options out there, but it's just like you have to you have to start you have to start thinking about like long-term thinking when you're younger. And I don't think I really got into that mode until like you know a couple of years ago, maybe three years ago. Like yeah, and like should we put I don't know, I don't know.
SPEAKER_06:That's the worst part though, because then you look at all the stuff and you do your calculators. But if I would have thought of this when I was like 25, completely but you can't worry about that, but well, I'm gonna hammer that into my kids, and they're not gonna listen. That's my point, and they're gonna have this conversation when they're 40.
SPEAKER_08:No, but that's my point is you you can't worry about that now. You can't think back, oh, I wish I would have. Sure. It would have been amazing if you thought about this when we were 29. We didn't. Um, but we have influence over people in our lives sometimes, and we can say, hey, dude, you're 29 years old, you're in a great position. Start thinking about these things. Or if you listen to this podcast and you're 29 or you're 25, like, sure, it's gonna it's hard to think about it. Only 14. Yeah, whatever. Or 14, like Kaka. Or 14. If you start thinking about long-term thinking and you start thinking about, hey, like, how am I going to support my life when I'm 70? I know that seems like it's a it's so long away. Believe me, it's gonna happen quick. And all of a sudden you realize I would be in an insane, insanely great position if I had just done something minimal now to better my position then. And there's a lot of options out there, but um, it's just like that that's hard to think in that way. Again, it's it's perspective of time, right? You just don't have it until you have it, and then you're like, oh crap.
SPEAKER_03:When you're when your kids get older, they're gonna have their their own lives and making their own, they're already making their own decisions. I was having a discussion with my my son like six months ago, and he's been working as a tradesman now for like two years. And like we don't talk, like we talk we talked about those sort of things when they were younger, like saving, okay. Well, here's your you know, you did this job, so we're gonna give you this amount of money. How much money are you gonna put away? You work your summer job, okay. So half of each check goes into a savings, half spend on whatever the hell you want. It's fine, but then you don't really talk about that with your children or your loved ones as they get older. And I had a discussion with them about six months ago. So you've been working and doing that for about two, three years, and the kid has more in his savings account than I do. And I it it I was so proud, and it just blew me away because I they kind of do their own thing, you know, you barely see them as they get older. And just to hear that, I'm like, holy cow, like he didn't get that from me. Like, but on his own, just seeing how the world's going and talking to his parents and just seeing, you know, when when it's bill time or we got to make a big purchase or a car breaks down, and then seeing the stress that that causes when it's like, oh shit, okay, we got to cut back on this and this and this. And clearly that worked, yeah. For that per and that's amazing.
SPEAKER_08:And I think, but I think the interesting part about that is is like that was what was that was beaten to me is save, save, save, save, save, but it was never beaten to me to invest or to put it in something that's making money. And I think that's the next step to that. I think that's that's amazing. But the the whole point of like, so someone talking to somebody the other day who just bought a new car and they paid cash and they have no and I was like, that's awesome, man. That's awesome. But yeah, but that$30,000 that is gone from you now can never earn money for you. True.
SPEAKER_03:So you're only losing money you bought a car.
SPEAKER_08:You well, you're you're either losing you're losing that cash and you're losing the ability to earn interest on that money for the rest of your life, and you put$30,000 into even somewhere you're making four percent for the next 30 years. How much money did you just miss out on earning? And so people who are getting ahead in the world, people who are rich and all like these billionaires and that kind of stuff, they don't use their own money to buy things, they use other people's money. They use they figure out a way to they save their all of their money's in investments. Um, you you talk to I can't remember, I saw something the other day where there's like super rich guy, and you think, oh, they have a ton of money sitting in their an account. They're like, I have like nothing in my account, everything's invested, everything's in investments. And if I need money, I'll just go grab I'll grab a loan from here where I'm yeah, sure, maybe I'm paying. A little bit of interest over here, but that's because my cash went and it's earning 10% over here. I don't want to touch that. And I'm paying 3% on a interest here. So I'm I'm positive 7%, right? So that's like the next step in that iteration of like savings amazing. I'm I'm not knocking it, but now it's like, okay, how do I make that work for me so that it's uh at your son's age to be like, okay, now it's sitting in a TFSA making making money uh on some ETFs or whatever. Um, and now I'm not gonna touch that. So if I do need that five thousand dollars, I'm okay with dipping into something to pay a little bit of interest there because I know I'm making more where it's sitting. Yeah, it's like the next step on it. And I think that's uh that's a missing part of a lot though how I grew up, it was that's it was missing because it was all about saving money. Just save just save. You just gotta save your money. You gotta save and invest.
SPEAKER_05:You have to compound interest is the only thing that's gonna like make you rich compared as a peasant.
SPEAKER_08:Well, and that's that and that's the problem with CPP and Social Security is like the amount of money that you put into it, if you over your lifetime, if you had put that into a simple 4% interest, you would have a lot of money, and what you're getting at the end of it is like a fraction of what you've invested. Uh use air quotes.
SPEAKER_06:What is like a C so what would be I don't even know what a CPP payment would be if we're like how old do you have to be? 55 or 65?
SPEAKER_03:Like I think it's like 70, is it$1,700? I think there's a max. Like per month?
SPEAKER_08:I wish I don't know if I saved it.
SPEAKER_03:I thought it was. It's not a lot of money.
SPEAKER_05:No, it's not, but it's more than you would put in in your lifetime. Because like CPP, do we not contribute hypothetically?
SPEAKER_06:$800 a month? We do not. No, the cap is$4,000. Oh, no, this is$4,100. I just typed it in the tax reduction. Oh no, sorry. I mean um what you get, like if I'm$65, what do I get per month from CPP? Yeah. Because the average monthly for that is$808. Okay.
SPEAKER_05:So per year.
SPEAKER_06:Like the beneficiary gets that much.
SPEAKER_05:Yeah, so per year you make$9,600, but every year we work, we put in$4,000. Like, or may not work.
SPEAKER_06:Hey, let's not think about that. All right, let's just be sheep here. I don't know. Jeez, that's all. Well, post for retirement pension in October. Yeah, the average monthly, and this is from their website.
SPEAKER_08:Yeah, it's anyway. Like, I mean, we can't the thing is you can't avoid it. Like, that's the that's the part the annoying part about it. Like, you have to pay. Like, you can't say I'm opting out.
SPEAKER_05:Yeah, but you also then don't I because I agree with you, like my stance on RRSPs is I'm pretty wholly negative about them. I don't have them anymore because I don't I think there's just other and better investment vehicles for me. But the government doesn't like that. The government wants you to lock up your money in those RRSPs, right? They they want that uh that deferred tax.
SPEAKER_03:Um the only people making money right now in this climate are are banks. They just release like the whatever you know, CIBC and TD and all these banks made the last quarter, and it's still like so many billions of dollars. Yeah, and you're just like everybody else is losing money, but the banks are making huge money. It's kind of using yours. It's always that way. You ever heard of a bank losing money? Um that's where they go back to the biggest.
SPEAKER_08:Then they get bought out or they're like was that within Greece where there was the money? And that's yeah.
SPEAKER_06:Well, I I thought CPP was a lot more than that, but yeah, the maximum is$1400 on the average. Uh this is$800. Yeah. So I thought it was even more than that.
SPEAKER_05:What do you mean the max like?
SPEAKER_03:So I think the maximum monthly we would at the old old folks homes would class, we we would qualify as the max. Yeah, we pay CPP2.
SPEAKER_08:We pay CPP2 now. There's a CPP one and a CPP2, and we pay CPP2. When does that start this shot? No, last year started. I didn't get any you did. My line didn't show any. You for sure did. Uh so because you once you max out on CPP1, you get CP, you pay CPP2. Last year was like$170. This year it's$400. And so you not only did CPP go up, but CPP2 went up. What is CPP2?
SPEAKER_06:It's just like it's like an expansion pack. It's an expansion pack to CPP. Do I get something better? No, you don't. No, you get it.
SPEAKER_02:I bought the premium to save it.
SPEAKER_06:You get nothing last year. We signed up for a premium membership and we didn't, we weren't in Forbes.
SPEAKER_05:Your last year's$4,100. Like you paid$38 something for CPP. Okay. And then the other whatever went into the CPP2, but it shows up on your T4.
SPEAKER_03:Do we still get commercials with that?
SPEAKER_05:Yeah. It's like Netflix basic.
SPEAKER_08:But you know what's also messed up? If you die, like you say you may you just get the retirement age and you die, all that money's gone. Like your family doesn't see any of it. And that's what they hope.
SPEAKER_06:That's what they hope for. I know. So that's why that's why it's still around. That's how it's still.
SPEAKER_08:Yeah, so like if you live to like the average life expectancy, you you're getting, you know, you maybe you're getting a lot of that money back potentially, but if you don't, it's all gone.
SPEAKER_05:And so it seems like it's kind of strange. I love how uncomfortable some people get talking about money. It's weird, right?
SPEAKER_06:Yeah, I don't know, she she listens, but my wife is not good at discussing. Well, I don't want to talk about my own money. I want to talk about everybody else.
SPEAKER_05:I see, I'm like pretty shameless talking about how much we make or how much we spend.
SPEAKER_06:But we all make the same we know what we make. So I wonder if it's different for people who don't. No, but even like I'll we'll we'll just we'll air we'll throw a show or paycheck to each other right now. No one cares.
SPEAKER_05:Yeah, totally, but like our wives hypothetically make different money. But like JB and I were going through some of his investments the other day, and it's like I find value in having seeing what other people are doing. Sure. And when you get like self-conscious or you conceal these things because out of shame or pride or whatever the fucking thing behind it is, you make less you make worse decisions because you have less information.
SPEAKER_03:Like I don't care what you spend or what you make, it doesn't affect me at all. No.
SPEAKER_08:And as a friend, you might be like, dude, like you gotta slow down, dude, chill out on the whatever the financial planner. Yeah, don't spend 500 bucks on a financial planner. Like, if you want some help, we can sit down and talk to you about it.
SPEAKER_06:You talk me off a ledge and I appreciate that. Well, and like to be honest, I just want to be lazy, just like fuck it, but numbers.
SPEAKER_08:Like one night one day, like in half an hour before we start the show, bring your stuff in and we can have a discussion about it and give you some suggestions, right? But in the end, it's like I I would rather you do that than spend five hundred dollars for somebody who again may be giving you suggestions that are are like like to find a person who would just help me not pay the government any money at all.
SPEAKER_06:That's always good. Like I just hate them so much when it comes to that.
SPEAKER_08:No, that'd be amazing, it's just not gonna happen. Yeah, we're getting them.
SPEAKER_03:We talked about um groceries budgeting. What about how how many people that you know or work alongside of that eat out like twice a day? Yeah, it's it's insane. It is wild. And I'm yeah, like I might go out for dinner like once once a week, maybe once every two weeks. One of them's in the room.
SPEAKER_08:I don't really know I don't. Yeah, okay. I used to have like if I was working, I for sure would have I'd eat out at lunch every single time. That's 20 bucks a day. I know that. I know. Uh, but I I go through phases.
SPEAKER_05:I we we worked with a guy that would eat lunch and breakfast every day out. Every day. Yeah. And you gotta think that's gonna add up. But this is why people feel like they have no money. It's not that you have no money, it's that you spend money like an asshole.
SPEAKER_03:Well, think the amount of money. So let's just take a week's worth of eating out at$20 a day. So let's just call it$100 if you tip in or whatever. So so for$100 a week, if I go well, you know, you know this, but maybe the uh liver the the listener out there doesn't. If you go spend a hundred dollars on food and meal prep, the amount of food you get from a hundred dollars prepping it yourself.
SPEAKER_05:All right, but that's ridiculous. You're it's not a hundred dollars a week, it's uh a hundred dollars a day. No, no, no, no.
SPEAKER_08:Okay, let's say twenty bucks. He's saying twenty bucks a day.
SPEAKER_05:Twenty a day for how much you spend out. Sure, but like the person who's eating breakfast and lunch out, they're spending, I'm gonna say, closer to 40 bucks. Yeah, yes, yes, times five days, which I'd have no idea what that works out to be.
SPEAKER_01:That would be two hundred dollars. That's some simple math right now.
SPEAKER_06:You know what, CJ, I was gonna make fun of you, but I literally got that out this the calculator the second we started talking about.
SPEAKER_03:That's a that's a that's two that's a New York strip a day.
SPEAKER_05:But you know they're also probably buying dinner at some point. Plus now you're buying your six-pack of beer and go sit on your couch with your fucking floppy man here.
SPEAKER_03:Wow, you're really important's coffee. It is wild how much and you just look around and I'm going, that would break me. Like the amount of money, because I would look at my statement if I'm doing budgeting and I'm pulling some averages, that would make me sick to look at how much money I eat, I spent.
SPEAKER_08:There's been a couple months where my when I was back on the other shift work uh at our job that my wife would come after the month, like, hey, hey, hey, do you know you know how much money you spent last month on food? I'm like, no. It's like this much. I'm like, yeah, okay, I'll stop trying to do that. Take my bank card.
SPEAKER_05:But dude, that adds that adds up so fast. Like, I there's still months and I don't eat out super frequently, but there's still months where$300,$400 on eating out because you know we trip here, a little weekend list, whatever. That over the span of months, well, that's your emergency fund. Yeah, right. So now you have an unexpected expense. You need to replace your fridge for$2,500, but you don't have that because you've been eating out for seven months.
SPEAKER_03:But do you look at that sometimes? So I'll just use my experience, and that's like going out and having a dinner or whatever it might be uh once a month, or sorry, once a week or once every two weeks, maybe, and maybe it costs you$150. But for me, that was also an experience. Completely. Do you know what I mean? Like it was a dinner out, it was a date night, it was a night out with the family.
SPEAKER_05:So like there's afford that experience. That's the difference. Because you're not doing it every single day. Yeah. And if you're like having to make choices between create more credit card debt or eat out, if you're choosing to eat out while creating credit card debt, well then that experience is gonna harm you. Yes, right? Like that's the whole that's and like we've all I think we've all lived paycheck to paycheck. It's a stressful existence.
SPEAKER_06:Yeah. I I I don't I'm still a little paycheck to paycheck y right now. Yeah, but if you're just budgeting you wouldn't have to do. Yeah, not as much as it was years ago. But you know what was fun years ago without without all this, just just spending money and not giving like seriously, how many times? Like I would say when we're 30, are we any when all of us were just spending money? It was such a just a nice feeling, not to care. Yeah, but I think you need to moderate that feeling because But I would take that away, I would take that back right now if I could, so I could be investing, but it was just so nice just to just I don't care.
SPEAKER_05:Right? Like a little bit of delaying some gratification in light of your future goals.
SPEAKER_08:I I don't know. I think we've talked about it before. There's a book, uh Die with Zero, uh amazing book. It kind of is it's kind of the balanced approach on this because it's like you said, is it says we are our lives are the sum of our experiences. So if you get if you don't spend any money because you're trying to save up and you're trying to just like delay that gratification too long, and now you're seven you retire and now you're 70 and you want to go on all those trips that you went to, but now your hips are bad, and now it sucks to walk. And so you you wanted to go to Scotland and walk around, but now you're like, oh yeah, that's gonna really hurt. Should I do it? Anyway, the point is like, and you're laying on your deathbed and you've gotten you didn't do any of the things you wanted to do, the amount of money you have in your bank account is not gonna matter to you, right?
SPEAKER_03:I've got$800,000 in my bank account, but I'm dead tomorrow.
SPEAKER_08:Yeah, completely who cares? So there's but there's but there's that balance of like saying you need to obviously plan for the future and you want to plan for uh making sure that you can afford your lifestyle when you're older and retired. However, you can't be fully at the expense of not doing anything now, right? And that that's why that book's really, really good. It's balanced, it's interesting, um, different concept, but yeah, it's called Die with Zero. Okay.
SPEAKER_06:The other one I like because you told me about I've ordered the book, it's uh it's gonna be delivered to my parents' house because they just got back from that cruise, and all they talk about is how great that cruise was. Right. But they're old farmers, and so this was their first cruise ever, and they're like 70, and they have a lot of money that I do not care about, and I don't, you know what I mean?
SPEAKER_08:It's just well, and that's the other thing about like as parents, you think about okay, so you know, when you die, you're gonna give your portion of your money to your kids, right? But in that book, it talks about, well, sure, but uh by that ideally, when that happens, they're already gonna be 50 or 60, and then that that impact of that money is not going to be needed as much, potentially, then if versus if you had done it now when they're like 30 and they're trying to buy their first house and they're trying to do these things. It's like if you have the ability to give that money to them then, the the impact is gonna be because is gonna be so much greater when they're like 30 than when they're 60.
SPEAKER_06:I would love to be able to do that for my kids as like an early inheritance.
SPEAKER_03:Yeah, but you know, so I'll give you a lived experience that I'm uh I'm sure people will listen to this, but I went I'm going through this exact situation now with a parent. Yep. Um so the idea that yes, you want to leave XYZ for your kids, you want to want them to be set up for when you pass away, and you don't want them to be left well, you don't want them to be left with debt, but that's not the issue. Is that okay? I want to leave them as with as much money as I can to help their life. Right. You know what I mean? Like that's what my goal, that's what most parents' goals are. But think about it this way. So I have a parent who has never traveled, never had experiences, these things that I'm talking about, like the purpose of living is to experience life and not to save up money and leave it for my two or three kids or whoever. Right. But as a child, I would rather see that parent have experiences. Yeah. But you can't make somebody do those things. So for them, it's like I'm doing a good deed, I'm I'm setting my kids up. I love them so much, I'm gonna leave them all of this money. But it it's frustrating for the family or the or the children when they're watching this happen and you're like leave me zero and go live. Like go live, go experience life because you're 70 years old. And like you, you you gave the example of like their first vacation or cruise, and they had such a great time, but that's the only thing they've ever done, and they're 70. Like you're 70. You are almost dead.
SPEAKER_06:Well, and then they they do all these stops along, you know, like you go cruise, you stop in like wherever they went Panama Canal, so they stop in this place, and they're like, Yeah, we were gonna get off the boat, but you know, uh American canal. Oh, yeah, oh yeah, shoot, yeah. But they they didn't get off the boat because they're like, ah, we didn't want to go, it's it's rocky, we don't want to do the hikes and all this stuff. I'm like, well, this is this is exactly why for all these years we've been telling you to go, because you would have done that hike 10 years ago and you would have repelled 10 years ago, and it's it's so frustrating. But at the same time, they're at least doing stuff. They bought a camper, they're doing stuff now, but it's just it's not too late, but it's just it it is. You're right. If your joints are done, what's the point of going to Italy and stuff like that when you when you when you can't walk around and climb stairs and stuff?
SPEAKER_08:Yeah, it's it's interesting, but I think we all have a different perspective being that like we're all doing okay in our lives and we're you know, we've made decisions that I think um we're happy with in terms of we're we're setting ourselves up for success in in our futures. So that the problem is I think I we're not I don't know if it's not we're not the normal, or there's there are people in the world who are like just wanting that, I need that inheritance, I need that money, right? Which is a weird position to be in.
SPEAKER_03:There's a term for that now.
SPEAKER_08:Is it yeah?
SPEAKER_03:There is a term for children, um, whether they're our age or what, that are actually living their lives knowing that their parents are going to live the money. It's a term. Oh, it is. It's pro pre. But but it's an actual primogeniture. So they're waiting, they're living their life and spending money and getting in debt, banking on when their parents die, they get X amount of money.
SPEAKER_06:It's it's fucked up. Ultimogeniture or primogeniture are the two terms that describe people who are yeah.
SPEAKER_08:So like that's just as wild. That's and they're essentially waiting, hoping your parents die.
SPEAKER_03:Yeah, just accumulating stupid decisions to like pay it off when they're you know, mom and dad are 68, so I'll give them 10 years at best. I can bank, I like I can just rack these credit cards, take these credit lines, and then they'll die. And it just a parent knowing that, I'd be like, hey, who am I changing my beneficiary?
SPEAKER_08:Oh my god, yeah, just nothing. Nothing.
SPEAKER_05:Yeah, you see your parents like go on this really expensive trip. You're like, no, do not do that.
SPEAKER_02:Is that for some?
SPEAKER_04:How much did that cost?
SPEAKER_05:What did that cost?
SPEAKER_08:What is what's going on?
SPEAKER_06:I don't think you can get rid of that mindset though. Like the same way you can't get rid of like my like my parents might. They started with l literally nothing on the farm and they have accumulated a ton of stuff and they sold it, and they still know the price of butter. You know what I mean? Like I text my mom, what's the normal price of butter right now? She would know that price of butter, and I have no idea. 568.
SPEAKER_08:Watching prices right too much.
SPEAKER_06:Well, no, like I guarantee you like all the all the older generation know the price of everything in that grocery store.
SPEAKER_08:Oh, they do. My my mom's the same way. She looks at all that stuff. Yeah, and and but in but in group like the farmer, I don't either. I don't either. But again, we're in a we're we're thank I'm thankful we're in the position. I'm grateful I'm grateful. Grateful where I'm in the position I'm in. Um, because I don't need to worry about that so much. Uh, but that's not the lived experience of a lot of people, right? They have to think about okay, what does bread cost? Oh, it went up 20 cents, crap, right? Like that's a that's uh a problem. It's a budget item. It's a budget item. Yeah, for sure. Uh, but the whole idea of like are you changing people's mindset, like you're never gonna change those that person's mindset about I'm just gonna, oh, I'm gonna go into debt, knowing that I'm gonna get a million bucks when mom and dad die. That's gonna pay off my debt, and then then I'll start doing things properly. Yeah, like you know you know you won't. You won't, because it's you don't have a discipline any discipline.
SPEAKER_03:Yeah, you have a pattern of behavior now.
SPEAKER_08:And you have like a life ex like uh what's the word? The the when you you're uh what's the word? Like a uh height, the level at which you live at, you know what I'm talking about?
SPEAKER_06:Like champagne taste on a water budget? I don't I'm trying to I don't know lifestyle.
SPEAKER_08:No, it's like when people so if someone gets divorced and like but they had a higher lifestyle, they have to live to the quality that like they give money. I know what you're talking. Oh man. Anyway, sorry, I'm stumbling all over the place. I think I know what you're talking about. There's there's a term for it.
SPEAKER_06:Uh but I don't know what to Google to find. This brings up doesn't matter. No, it's you're still using Google? Grok, I have grok loaded up too. What what is the thing JB is talking about? It didn't know.
SPEAKER_08:It doesn't matter. Um, but something that this brings up, I thought I heard this. I've listened to a bunch of podcasts lately. And uh have you listened to that one, that Palmer Lucky one on Sean Ryan? So good. Really, really interesting about the technology that they're developing for the military.
SPEAKER_06:You'd love it. You should listen to that. I have not yet. It is insane. Anyway, he's Tony Stark, but just not as no, I heard you guys talking about that.
SPEAKER_08:It's a really, really good podcast. But there's something he said in that podcast I wrote down and said, you can't reason someone out of an opinion they didn't reason themselves into. And I love that idea. Oh, it's good. So it's like if so, this is like the idea that so say you grew up in an idea, like you haven't really fully thought it through, you haven't really fully like thought about the pros and the cons, the nuances of it, all that stuff. You're gonna have a really hard time having a conversation with that person and reasoning, like giving them some reasons why maybe it's not the best idea or what reason there's issues with it, because they haven't fully thought through all of the pitfalls or the good and the bad and all those things about that idea. And so this goes with like any idea. It could be religious, it could be political, it could be whatever. Um, the people who you really struggle with like having those conversations are people who either just fell into that idea and they just believe it because I need to believe it, and they haven't really fully thought it, thought it through or like processed it, uh, versus the people who can maybe they they fully are on a different side of the coin of you, but they've really thought it through. Those are the people who have no problem really sitting down and having that discussion, right? Because they know they've processed it in their minds and they've thought they've thought about both sides of the argument, they've thought about different perspectives, and they've still landed where they landed, and that's completely fine. Like I respect that. Like, I don't care if we disagree. If you've really thought through it and like processed it, it's interesting.
SPEAKER_03:So they can articulate why they have that stance completely.
SPEAKER_08:Completely. Whereas the people who can't who get really upset about having those I'd even say money-wise, the people who get you said people some people can't talk about it and they get really have an issue. I I feel like it's because they really haven't developed a good idea of what that means to them or how that works in their life. It's the people who've really kind of processed it and thought it through that can really kind of sit down and say, Well, this is what I think about it.
SPEAKER_05:Yeah, I think it's that undercurrent of whether you whether it's conscious or not, like that undercurrent of like, I know that I'm not truly well enough informed about this topic. Like in the money, right? Like if people I think maybe I'm wrong, but if people get frustrated talking about money or get really awkward about it, it's because they're subconsciously, they know, like, hey, I don't have the right information, or I'm not like I am not myself comfortable with my own situation. So like rather than talk about it, I'd rather deflect, you know, or avoid talking about it. Talking about it.
SPEAKER_06:I guess, yeah, but it's weird and yeah, it's next to get me mad. I mentioned it. My wife cannot do it because she gets super awkward when we open up the book, like we talk about it and all that stuff. I don't know what it is. She grew up like trailer park, it was like she grew up very poor. Sure. Um, so I don't know if that relates into it, but she she has a giant, it's a hard issue for her just to talk to me, who we literally talk about every possible thing about um. But do you guys not talk about money every day?
SPEAKER_05:No. See, and that's my personal beliefs, right? Like I talk about money every single day with my wife for sure. Hey, this yeah, this is what we spent today, this is what we're spending, this is what's happening. Like, and I think I don't know if some of that is just because it's it's it's pretty important to me. Like, I like I like it. I'd have a little bit of it, I'd like some more of it. Um, and if you talk about it, if it's at like the forefront of conversations, it's then it's important.
SPEAKER_08:But it has to be the forefront and not in like a negative light, not in like an accusatory hundred percent cooperative. They can't be like an accusatory tone of hey, you I see that you bought three coffees today. What the hell? Like it's like, hey, just so you know, we spent both of us together spent this much money on this today. That's more than normal. Again, I I I don't I definitely don't do what you're doing every day, but for sure the tone of it is important.
SPEAKER_05:Yeah, and and I have my own, like we all have one bank account. Yeah, so you too, right? Yeah, us too. Right? I know people that don't operate that way, and that's fine. For us, that works because as like the family unit, we all just work to bring in money into this into this bank account, and then we allocate what's important to us as a group. Yeah.
SPEAKER_08:Yeah, I I I agree. People do it other ways, and but we're the same way, our same bank account.
SPEAKER_06:And my wife does hate when we come when I come when we do this thing and we talk about money because I go home fired up, ready to she just she's like, No, it's a Sunday, I just don't. You talked about money today. Yeah, usually if I get home and I call a family meeting, she knows we she knows we talked about something on the on the podcast.
SPEAKER_05:I'm gonna send you a podcast. It's probably one of those. Have you listened to the actual seven podcasts of that? No, just just the clips, the 20. I'm gonna send you one where he talks a lot about like money with your wife, your partner, um, and just that it is a partnership and like how to like maybe start talking with your wife about money. Uh because I think it's important.
SPEAKER_06:Yeah, it's something we don't we'd haven't done enough. Like my wife and I are the the most open book we've ever been in our entire lives with each other, but it's just one thing we haven't conquered yet. So yeah.
SPEAKER_08:I find in general, if you're if I feel if the conversation comes up and I get this like emotional response, like either negative, like I don't want to have the conversation, or like I get like you know what I mean? Like you get that emotional, like you feel something. To me, that's a sign that I either need to know more about it, or like something's wrong. Like I need to either understand it better, or maybe why am I having this feeling? Like, I think that's a good sign personally that there's something about this conversation that's riling you up and you're not comfortable having it.
SPEAKER_03:It's kind of the same thing you were talking about with uh you and your wife having that those conversations, right? There's an emotional reaction to that, whatever that is, whatever that reason. I think you nailed it when you said the background of where she came from.
SPEAKER_06:Yeah, that and then she I mean we we open it up like she's still a stay-at-home mom, so she doesn't contribute to like, but she does. I try to tell her that. I don't know. It's weird.
SPEAKER_03:But there's clearly there's something there's yeah, there's an underlying issue as to why that is, right?
SPEAKER_08:Yeah, so I think I think it's individually as people, I think it's our job when we have those emotional responses to a topic or a conversation to figure out why it is that that we're having that, and then to either educate ourselves on that specific thing to try to diminish that or to try to combat that, or just to be like, okay, what like you have to do some soul searching. Why what is it about this that's making me upset or for anything defensive? Defensive is the thing, right?
SPEAKER_03:And and acknowledging in your own mind, man, that's a weird reaction I have to that topic. Why do I have that reaction to that?
SPEAKER_08:Completely, yeah. And that's that's huge. I think if you could do that, I mean, I think again, all this stuff, if you could have done it when you're 10 years ago, would have been beneficial.
SPEAKER_05:I'd be oh man, we'd be so pretty. I know, right? If we did all these things when we were teens, all of these things we'd be we'd all be retired right now. Yeah, we'd be in that we could be doing this all day every day. We should be doing this all day every day.
SPEAKER_06:You could be waking up on a random Wednesday, the microphone to the mats. That's what it could be called. Did we just start a new video? Really good.
SPEAKER_02:It's your version of uh fight companion. The microphone to the mat. That's all right. Can you trademark that real quick?
SPEAKER_06:Real quick. Because the eight listeners say trademark, right? And then they and then everyone, it's ours now. Is that what? Dibbs?
SPEAKER_05:Dibs, dibs. On that note, uh, episode 65. Welcome, Matt Champagne. Welcome.
SPEAKER_02:Yeah, we're like an hour into this. We came in pretty hot. 40 minutes. You came in hot. Who's this stranger? Why did you come in so hot?
SPEAKER_06:I did I I literally sat we were doing our level check or whatever we just talked before, and I just mentioned something, and then you showed up and got all it's because you were driving here doing your yeah, it's because I was driving and doing my mobile banking at the same time. Yeah, literally, we just we just kind of went, Hey, hi Matt.
SPEAKER_08:Hello, yeah, welcome back. Uh, I think our most listened to podcast. Is it official? Yeah, it is. Yeah, you are our most listened to podcast. Why is that? Tell us.
SPEAKER_03:Yeah. Uh probably just share it a lot. Okay. So I shared it with my circle. Oh, big followers, and uh my wife, who has a lot of social media presence. Oh, perfect. Shares it, and I think that's how it spread. But most of the people were like at the uh the adjacent uh care facility I work at. Um, they all loved it. Listen, I didn't even, you know, I hadn't even worked with half the people who'd listened to it, and then now they know half about my life.
SPEAKER_02:So that's funny, hey. Yeah, now they're gonna know the other half.
SPEAKER_03:Yeah.
SPEAKER_02:There's so many things. Now the other side of the story. Okay, like what am I not talking about today? Okay, good.
SPEAKER_05:We've talked about money. We talked about politics. I'm so sick of it. Oh my god.
SPEAKER_03:I yeah. I was listening to Elon on the way, and I'm about 45 minutes in, and I So K. Is he is he the richest man on the planet? Like officially on the books? I think so. Because of course there's like oil people and okay, so why on earth would people be frustrated or say he's lying, or there's an agenda when he's coming up with identifying uh areas of loss and poorest like he is the richest man on the planet on the books, yeah, and you're gonna criticize his financials? I know like his it blows me away, or the idea that well, he has an agenda, and this is why he is on, I'm not even gonna say the name, he's on this side and he's helping this side, but he has an agenda. He doesn't need anything from government. I know. He could buy government, he could buy a planet. Like, why like we really think that Elon Musk needs something from Donald Trump? Have you lost your mind?
SPEAKER_08:Yeah, this is where it's so that's why it's so broken, right? Because again, they're just attacking that when you're like, wait, why are we not attacking the government waste? I want him to do my book. But do my book completely.
SPEAKER_03:He'd be my financial advisor. Yeah, stupid.
SPEAKER_08:No, but I know it's it's that's why it's so ridiculous, right? It's just like when they don't have an argument, it just becomes these ridiculous like points, and you're like, what are you talking? Like, why are we not yeah, why are we not mad at USAID for doing that? We're mad at Elon for pointing that out.
SPEAKER_03:Can you come to Canada and find our ways? That would be great.
SPEAKER_05:Also, he's dual citizen, I think he is communicating. Maybe not everybody needs to have an opinion about everything. Yeah, it's true. Do you know what I mean? Yeah, like maybe you can just sit back and be like, oh, he's doing it.
SPEAKER_06:But it's an uneducated opinion.
SPEAKER_05:Sure, but then maybe don't have one.
SPEAKER_06:Yeah, that's so I pick parents up, we're driving back to uh the town they live in. I'm taking them home, and my my mom is because they were on it's an American cruise, the majority of people are married. Oh, I just we had to watch the news. Oh, that can't believe that Elon Musk is doing he's laid all the cruise, and I'm like, okay, cool, what happened? And I'm just I'm playing dumb. What happened? Oh, you know, he laid all these people off and and now he wants them back. I'm like, how many people are laid off? And like, well, you know, he just a bunch of people. And and then I just I like I'm like, I'm I'm okay. Because you you got me fired up because you you were at a family affair as well, and it was a lot of you and I just said we're not gonna talk about this unless we can source some facts about it. Yeah, and then the vehicle got really quiet, and we talked about their trip and good conversations. So thank you for that because you made me fed up before I picked them up. Excellent.
SPEAKER_08:But just going back on that, it's like again, he's not making he's not doing any of the things. He's saying to the identifying. Yeah, he's identifying, hey, here's the waste. I recommend that maybe we deal with this, gives it to the people who actually make the decisions about firing stuff, and then they do it. So they're saying Elon's firing. Elon's not firing anybody, he's saying, here's the waste, do it. Basically, yeah, here's my recommendation.
SPEAKER_03:A consultant. He's basically a financial consultant looking at waste. Exactly. And uh, what was the I'm sure everybody's seen that meme where it's like, and then you're gonna fire the guy who identifies the waste. Yeah, like what that's not the problem. The problem is what is what he's pointing out. Yeah, completely.
SPEAKER_08:I don't understand it.
SPEAKER_06:It's garbage at that at that level of government, too. The the amount of inefficiency is probably just it's unreal. Immense.
SPEAKER_05:Well, and it's probably unfixable. I've listened to the whole podcast, and he's basically like, I'm gonna get killed.
SPEAKER_08:Yeah, he well, he I found it interesting at the very end.
SPEAKER_03:It's hundreds of billions of dollars.
SPEAKER_08:Well, at the very end, when he's they specifically started asking about like the individual congresspeople who are making like their worth, their values are worth the hundreds of millions of dollars, but they're making hundred thousand dollars a year. Nancy Pelosi. Yeah, 100%. And so he's like, they're like, Well, what are they doing? Other than he's like, Well, he's like, like, they're doing lots of things. I I can't. If I start saying this too much, if I start look going too deep into this, they're gonna kill me. Yeah, he's literally like, I don't want to talk about this because they're gonna kill me. Yeah, so it's like he'll he's talking about the government waste, but like, and obviously everyone knows like insider trading, but he's like, it's more than that. He's like, it's not just insider trading. But he's like, and then Joe's like, well, like what? And he's like, he well, he's like, I can't, I can't.
SPEAKER_03:And he's got the classic 10 or 20 second pauses. So I'm like, yeah, I know. Looking at my phone, I'm like, did this thing stop?
SPEAKER_08:I know I did that so many times. Like, no, we're still going. The power of silence. It's so it's it's so interesting.
SPEAKER_05:I just think everybody I'm gonna have an opinion about not having an opinion. Everybody needs to step back and just chill for a second a little bit. Because the guys I was out for lunch with my uncle, I love my uncle, he's an extremely intelligent, successful person, but he's referring to it as the evil American Empire. And I was just like, hold on here. Like, tell me my phone. Pump the brakes, right? Like, things are happening. Is that has it affected any of us yet personally? No. Can we just like can we just chill for a minute?
SPEAKER_03:How about that conversation that was had in the West Wing the other day with uh Vance and Trump and Oh, that was interesting, Zelensky. Oh my god, man, that was that should have been not in front of the media. It was so I was so embarrassed for him.
SPEAKER_08:And that but the problem was was because it was in front of the media, I think that like Trump advanced felt like they had they couldn't let it slide that he was kind of like slightly backhanding the America and like whatever. But it I thought I saw a really good, I saw so. If you've if you haven't watched the whole thing, first of all, watch it. But second of all, there was I reposted on our ex account, there's this guy that does this breakdown of like this is what I think about it, and it was very nuanced. But he explained why he thinks that he said, even if you think that Zelensky's morally right, if even if you think that he's coming from the the standpoint of everything he's saying is morally objectively right, he said this is why he screwed up and this is why and he explains like how he did it, and like you're coming to a anyway, it's it's a really, really nuanced, really good video. Even coming from like a giving giving him the thing, if you think everything he's saying is correct, this is why it was still incorrect how he went about it.
SPEAKER_03:People get so emotional about it, and they just look at how dirty it looks, and yeah, but it with what limited uh information I have and just watching the war on TV for three years is um I don't think that Vance and Trump are wrong in what they said. So people get upset, but were they wrong? I don't think they were wrong, but what they basically in Cole's notes of what they said is that you need to be more grateful because without us, yeah, you're done. Like without our money funding the war that you're involved in, you're done. Like you'll get destroyed. And the heat they're not wrong. Yeah, they're not they want it to be over. Like the US wants it to be over.
SPEAKER_06:It came across a bit like it came across a bit wrong. You should be saying thank you. When they started saying that, I'm like, don't say that. Like I agree, I agree. I agree with what you're saying, but like I I got I got heated up by my family because I'm like, well, Zelensky should just realize the position he's in and just be like, oh, thank you, sir. May I have another kind of thing exactly? But and then they I got I got cornered. I'm like, I I had nobody in the room that was on my side of my family.
SPEAKER_05:I'm like, okay, fine. But why? So, like, first off, I that conversation should have happened prior to like recording. Yes, right? Like, you don't just sit down and I guarantee you. It was embarrassing, it was belittling. Yeah, it's and it's not it's not productive. I don't know why people still like I understand the virtuous statement of we need to defend democracy. That because that's like kind of like the virtuous thing, right? We need to defend freedom and democracy in Ukraine and like whatever. What the fuck are we doing?
SPEAKER_08:But first of all, that first of all, it's not a democracy.
SPEAKER_05:Sure, but yeah, sure. But what whatever virtuous statement you want to make to say, like, oh, you know, Ukraine is uh like Russia is threatening Western well, I don't know what the fuck people say anymore to justify this bullshit war, but why do we want to support a war? Why can not everybody's de facto position be like, hey, there has to be a path towards peace here. Why do we need to keep defending air quotes things? Right, right? Because that should be because like I didn't watch the debate. I've read all the highlights, all the using Twitter.
SPEAKER_03:For the par for the party leader. No, excuse me, not debate.
SPEAKER_05:The overall, sure.
SPEAKER_06:You should watch it now.
SPEAKER_05:I don't have 40 minutes.
SPEAKER_06:But it's worth it.
SPEAKER_05:You watched all 40 minutes?
SPEAKER_06:Yes, I don't watch the news. And you know I don't watch the news. Totally. But I got I went, I told him, I went down a rabbit hole with this. And I was like, and it if you watch it first and then look at all the stuff, it's it's actually it's really good. Yeah. I I just you're gonna pick it up on social and non-verbal cues, and if you watch some of the nonverbal cues in the room, it's it's well him sitting with his arms crossed is what was really interesting, like making himself really small.
SPEAKER_05:Like I don't want to pick that one out just from the the clips or the little like the the highlights, but like because they I know they said something about him, you know, like you're dude, you're trying to start World War III.
SPEAKER_06:Yeah, Trump said you're gambling with World War III, which is in relation to accurate, yes, to Russia coming, I think, to invade the states, kind of was what Zelensky was a little bit hitting at. Like you'll feel the fear. Yeah, he said there's there's there's an ocean between Yeah, that was I was like, come on.
SPEAKER_05:But I don't know, it's but also like Russia is a puppet of China, yeah. Yep, right? Like this is a China-US proxy war, hypothetically. I don't know, maybe, maybe not. But like, can the default position just not be like, hey, we don't need any more war? Is that an unreasonable position for everybody?
SPEAKER_03:But how do you deal with the fact that they that the that Russia invaded? So everybody like both sides have their argument to the peace of land and NATO and the missiles close to Russia. I I get all of that, but is it like is is Putin ever gonna say, okay, we'll leave? No. Is uh the Ukraine ever gonna be like, okay, have that? No. So I think what the US is trying to do is like, listen, this is costing us trillions of dollars, and all the other countries like Canada sending 50 cents and like all these things, but like but like what I think what they're trying to get at, and don't get me wrong, they were not tactful about it. We want this over. So if he wants this sliver of fucking land, and if he will not ever like subside and remove his troops and give we need to figure this out. So if if you're saying yeah, it's not nobody's winning.
SPEAKER_05:Yeah, he's alluding to the concept of bargaining, right? Because there is a bargain or a compromise to be had here, because if you're both in a position to bargain, I don't feel like that's what they were saying to him.
SPEAKER_03:You are not in a position because if we take our money and our uh and our equipment and everything away, this is over. Like you are done.
SPEAKER_08:Or Russia actually says, okay, we're gonna win this now. Because they I mean, to be fair, like if Russia decided we're gonna take this all of Ukraine and and nothing you can do about it from Ukraine, obviously the world could potentially do something, but Ukraine itself, I mean they could just go steamroll through, drop a couple of gigantic bombs and be done, right?
SPEAKER_05:Yeah, and now unfortunately, the disaster that is Europe, like the European Union and the UK and stuff, are all rattling their non-existent sabers. Yes, right? Um, this this is like it feels like a real world war, just kind of everybody's tiptoeing around.
SPEAKER_03:Yeah, but nobody wants to put their toe in the the the foot in the water, like they don't want to jump in.
SPEAKER_05:And China and like the Asian states are all pretty quiet about the whole thing, but like let's North Korean troops fighting with Russia. Yeah, it's it's a disaster. And I I I think we've talked about this on the podcast before, you know, coun country country borders change.
unknown:Okay.
SPEAKER_05:That's how we are where we are. Yeah, like okay, yeah, I I think Russia may have got this one. Yeah, let's let's like have some like productive conversations. Yeah.
SPEAKER_08:I don't know. Which which again I think Trump's trying to do. But the other other side of the argument that I think is very interesting is like nobody everyone's trying to pretend like Zelensky's just this really good dude and all this stuff. And it's like uh you to think that he doesn't have some sort of agenda as well is insane. Not not to mention the fact that uh this democratic democratic society is now being he's going after uh there and Tulsi Gabber did a post today actually uh about how he has si he has put in jail his political opponents in Ukraine, like arrested them and put them in jail. Uh he's taken over, completely taken over the TV network. So anything that's basically on TV is a sense of control propaganda. 100%. It's their propaganda. It's nothing you can't have an differing opinion. That's the other crazy thing. And he's suspended elections. You there's no more elections in Ukraine.
SPEAKER_03:But they use the argument it's because it's war. I know, I know. Well, then he'll drag out the war as long as possible.
SPEAKER_08:I know they do, but you're you're it's 100% right now, it's a government-controlled state. It is a communist state at the moment.
SPEAKER_06:Even Trump's like he told him in that thing. He's like, you take your press on media tour and your propaganda tours and all that stuff. That's funny. You watch the Lindsey kind of wearing his like army fatigues and like. Well, it's like North Korea.
SPEAKER_08:People go to North Korea and they they give them a really nice tour, and it looks like an amazing place. You get a curated. Yeah, exactly. It's like, oh, this is actually a really nice place. Like San Francisco. They just shoot all the people in the stake. Yeah. It's so nice here. Exactly. But that's that's what's people aren't talking about, and they're trying to talk like this is oh, this is we gotta defend democracy. It's like what democracy are we talking about?
SPEAKER_05:Because there is a sticking point on this, is number one, if you we're all we're all heroes of our own story. If you grew up in Russia, or if you were Russian and you had the Russian experience for your entire life, A, you'd probably view this very differently than we do. Sure they would, yeah. And B, if you are not approaching this from the de facto position that war is not the answer to our problems, yeah, then we've already we're already fucked, right? Oh, we have to defend democracy. No, we have to find a way to preserve peace.
SPEAKER_08:That's what they did try to do in Vietnam, too. That we're going to defend democracy, and that did not end up well. And like, how about we won that war?
SPEAKER_05:No political fucking conflicts across the world and focus on fostering economic prosperity. Yeah, like everyone, a lot of people died. That makes sense. Crazy, right?
SPEAKER_08:I know. I don't know. It's frustrating. Okay, we solved the war. There, they're done.
SPEAKER_05:Shut it down, shut it down. War's over. Hit the button. Okay.
SPEAKER_06:Not not to go into it too, but it what the the Tony Stark guy. Who's the guy in the Palmer Lucky? Palmer Lucky talks about like a good name. Yeah, it's a cool name. It is a really cool is that his real name is a good one. Lucky Palmer? Yeah, lucky Lucky Palmer, right? Well, he's Lucky Palmer. He sold Oculus too for$2.3 billion to meta. So he was the owner of a motel room with a couple guys, like, super race or travel lodge. It was I don't know. He actually said it too, I think, on the podcast. I can't remember. Yeah, they sold it for$2.3 billion. He talks about what China, like the some stuff about I don't want to get into it. He talks about what some stuff China's doing with their navy and all the commercial boats and all that stuff. Like everything in China has to be manufactured to be military grade, even if it's a shipping vessel that someone's gonna use to fish. It's because they might need to retrofit it, that's why. And exactly right. He's like, so if we get in a naval conflict, they can produce like 350 miles. And the states can produce eight. Yeah. You know, and he's like, we will sound about right. And and he got into that a little bit and I started Googling some stuff. I'm turning into a tinfoil hat person.
SPEAKER_05:But would wouldn't it make more sense? I I know and I I know. China has done some fucking shitty stuff. So have we. We all do shitty things. Like China's doing like probably doing some genocidal things to their their Uyghur population. Yeah. Um but do we have to be the fucking world police and we being North America every time?
SPEAKER_03:Nailed it. Yeah. Right? We so there I'm sure we've all met, spoke to, uh, listen on podcasts, watch videos of people who are from China, who live in China. If it's that bad, okay, hear me out. If it's that bad, and you like uh use use UFC fighters. What's her name? Um Champ. If it was that bad, would she not just de facto not go home?
SPEAKER_04:I don't know if it's a lot of things. But it is like I don't know if it is for that. They have some secret police.
SPEAKER_03:I I get it, but like the p we are making uh a blanket statement about how the people of China are oppressed. It's a blanket statement, right? But you made a comment uh there's a some religious groups there and who are yes, absolutely, they're being uh murdered, yeah. Genocided. Yeah, genocidal, yeah, whatever. It's awful. But we who are we to speak for the people of China? So if you talk to them, I understand they have to say they don't have to say a certain thing. I understand you could be criticized and you could be jailed and all, but uh they seem like pretty happy people for the most part. Yeah, probably. And so because we don't you spoke about the world police, uh if we don't like the rules, I'll use what's her name. Who's the uh WNBA player who got arrested with uh cannabis in Russia?
SPEAKER_05:Brittany Greiner.
SPEAKER_03:Okay, yeah. So the that that was so damn frustrating for me, and I think most people is like, okay, so let me get this straight. You you were working in a country and you knew the rules, and you broke the rules, so you were jailed. Uh where's the problem here? Yeah, where's the problem here? That's on you.
SPEAKER_05:Well, and how many American citizens have been jailed, right?
SPEAKER_03:That are not maybe here in the US who are in jail for like thir three strike rules and they got like a ounce full of weed in their pocket.
SPEAKER_05:Like if you're not Brittany Greiner the WNBA player, if you're a big thing. They don't give a shit about you, yeah. They don't care. It's just a it's a it's a political talk.
SPEAKER_03:But the the the what I'm what I'm really getting at is that you you chose to be in a place and you know the rules and you broke the rules. Who are we to say, oh no, no, no. Like you how dare you oppress your people and have those laws? Those are the laws.
SPEAKER_08:I don't disagree with you, except for the fact that the vast majority of those people never you mean you don't choose where you're born, right? So you don't choose the situation you're born into. So a lot of those people in China are like uh uh stuck there because of the ability not to live.
SPEAKER_03:But is it a lot though? Like is it a lot of people who are unhappy?
SPEAKER_08:Oh, I that I have no idea.
SPEAKER_03:But that's just their that's just that's just their culture, those are the rules, that's where they live. And I I I imagine that the vast majority like it there.
SPEAKER_07:Yeah, no idea.
SPEAKER_03:But we're here on our on our pedestal saying you guys are oppressed there. Well, if if it's in if it's not India, it's China, the highest population in the world for a country, right? Yeah, yeah. Okay, so we're saying that they're all being oppressed?
SPEAKER_05:Sure, but then they're probably not. But here's the thing can we not just focus on our own things, right? Like if yes, well, that's shitty things happen in the world. We can probably try and make them better, but like we are not responsible for something justice.
SPEAKER_06:No, I think we probably are obligated, but I don't know. That's where I got when we're doing that Trump Zelinsky talk. I'm like, he did a good thing because they're looking for mineral rights. And the and if you look at like the titanium in the Ukraine, it's huge. Hundreds of billions of dollars will take a hundred years to and I'm like, that's awesome. That he is thinking about the states first and that they're benefiting from this instead of throwing money at it. And I actually like like that.
SPEAKER_03:It will help you, but we want rights to this. We'll continue to help you.
SPEAKER_06:If some people don't like that, I like that. It's kind of dirty, but I get it. It is, but it is, but you know what? It is what it is. You're you're in this position. I can't wait. Yeah, why not?
SPEAKER_05:Yeah, like I don't know. It's it's almost like it's such a complicated issue that we just can't do. It's weird, right? Weird.
SPEAKER_06:No, I can read a couple headlines on Google and then figure out what's going on.
SPEAKER_08:Yeah. Uh just back quickly to that production thing. That the Pomerlucky, he was saying basically if there was a war between US and China, if if US dropped all of their bombs, it would take like maybe three or four days, something like that. But then they would not be able to produce anything for a long time. Versus like China can pump out like I don't know, I don't remember the numbers, but like hundreds per week. Yeah, we have we have assembly lines, manufactured them doing it, like and they just have them a consistent manufacturing line going of it.
SPEAKER_06:We have eight, we have eight days of missiles. Sure.
SPEAKER_05:What is the thing that's causing China to feel like they need to do that?
SPEAKER_06:Exactly.
SPEAKER_05:It's not because it's not imperialism, or like it's not like they're trying to take over other parts of the children.
SPEAKER_08:They just have the manufacturing capacity prepared for being part of it and slave labor to do it.
SPEAKER_05:But why why? It's no, it's they have the means, that's not the reason for doing the thing.
SPEAKER_08:No, no, I'm not saying they're doing it. I'm just saying if they had to do it, their manufacturing ability essentially would kill everyone else because they can do it. Like sure. We would run out of things, like, or even America America would run out of bombs and they would just be like, oh, we're just making new ones. We got oh, we got 100 more, 100 more, 100 more. Yeah. It's it's interesting. It's a very interesting podcast, anyway.
SPEAKER_06:I I I like your point. Why are they setting themselves up with that?
SPEAKER_05:Why do they feel so threatened? Like, I just want to be a pacifist. Why are we why why we gotta have wars? Why just take care of our own backyard?
SPEAKER_06:At the core, people are people are greedy and at the core, they just people want power, and that's just what it is.
SPEAKER_05:Be greedy, but like mow your own lawn, keep your own shit tight, and then yeah, but once your shit's tight, you want more shit.
SPEAKER_06:Yeah, but it's not. That's that's the point. It's not that's that's not how it is. Come on.
SPEAKER_08:You don't actually think people are gonna be like that. I don't disagree, but the problem, I think with the point is like in like it's not tight. Like, look at look at the issues we have in our own countries, right? That's like Canada's got all these issues, US all these issues, and we're not taking care of them. We're sending our money, our tax dollars somewhere else to take care of someone else's problem.
SPEAKER_05:Like transgender beagles in fucking Uganda. Like, I don't know.
SPEAKER_02:Well was the transgender operate Elon identified, right?
SPEAKER_03:What was it?$200 million being sent to do uh gender reassignment surgery on dogs. Yeah, which is so and they're brutalizing them. And I'm like, okay, let's just that sounds like a great investment. Oh, yeah. Oh, yeah. Under whatever aid, right?
SPEAKER_08:What a what a what a shitty thing to do.
SPEAKER_05:They won't do cosmetic testing on dogs anymore, but let's do pack off their genitals and if we if we make it through the next like 20 to 60 years, we're gonna look back at some of the shit we did and just be no better than the people that were 50.
SPEAKER_08:No, the people that were looking back now saying, we'll take down those statues because they did these things. You're like, we're doing some insane things right now.
SPEAKER_05:Yeah, some insane things to well and this well I'm I we need to get away from politics. Like if you let's do that, if you make a presumption that like maybe we understand the universal nature of consciousness better in the next hundred years, and like just hypothetically, what if we start to accept that like we're not the only form of like valid consciousness on this planet, like dogs, animals, whatever. And then you look back at the horrible experiments we're currently doing to these creatures. Man, you can't forgive yourself for that. That's fucked up.
SPEAKER_08:Um people doing it can. Do you know what I was hoping Elon was gonna talk about? Was the quantum computer trip he never brought it up? It fits here. Yeah, he never brought it up.
SPEAKER_03:And it's the same power of every computer in the entire planet.
SPEAKER_08:I was just curious as to his his idea, like his uh perception of it. Because I've read some more about it because I've kind of really got super interested in it. And yeah, they have them, but there's like some questionability about how valid or how useful they are currently. There's a Google-made one too. I can't remember the name of that one of that one, but Google also had a quantum chip.
SPEAKER_03:So the Microsoft has theirs, but no Google's doing this.
SPEAKER_08:Google had one first, actually, but uh Microsoft has one that is apparently a bit more uh stable. I think it's a lot more stable.
SPEAKER_03:Are we not scared of this? Am I the only one of the four of us that is scared of this of this? For sure.
SPEAKER_06:But we're all scared, but we can't affect it. No, I mean we're along for the ride.
SPEAKER_08:I want to know what Elon's opinion was on it, whether it's actually functional or not. Like, okay, cool, we have this, but like can be can it be put into play? Is it like something that's we're gonna see actually be uh have an effect on the world in like a year, two years, three years? Like, what is the timeline here? Uh I'd be interested. And I feel like it's valid to what he everything he does, like Starlink, all these things that would like um SpaceX, that would actually increase his ability to do what he's doing as well.
SPEAKER_06:So I was actually hoping you're talking like a conspiracy theory person in me is wondering why the person from the like the biggest tech company didn't talk about it.
SPEAKER_08:Uh well, first of all, it's Microsoft, right? So he that might be why. I don't know.
SPEAKER_06:No, like why wouldn't somebody from why wouldn't he talk about it? It's he is definitely interested in it.
SPEAKER_08:Maybe it just didn't come up. Yeah. Um, but anyway, I was hoping that he would mention something about that. I don't know. Is it like a three-hour, four-hour podcast? I think it's three, yeah. I just finished it. All right. Uh one I want one thing uh uh I wanted to bring up that I found super interesting. Um so in our in our position in our jobs, uh the idea of like authority comes up a lot, right? Like uh having authority.
SPEAKER_03:You gotta boss around those old people.
SPEAKER_08:That's right. And so like, but like what is you will go to sleep or I will put you in sleep. Yes, exactly.
SPEAKER_01:Check the name tag.
SPEAKER_08:Uh so there was there was a podcast uh by I guess Joe wanted the one before that, I'll have to look it up what it is. But the guy was talking about um the his his idea of authority and what makes somebody authoritative. And he's got like he said there's five components to it, and he said again, because of this the this reason the reason this is relevant is like we talk a lot about like hey, sometimes you have to like fake it before you make it, and like, but like that only goes so far because if you have somebody who's who's uh subject to um you faking authority, and then they're like, Okay, yes, sir. But you got some people who don't who who smell through that, right? They see experience, yeah. They see through that, they see that oh no, there's doubt there. There's you're not you're not. Your bottom lip is quivering a bit. You got about a week on the job. Exactly, right? So the thing that he brought up is the five things smelling right through you. The five things that he says are bring bring up uh give authority are confidence, discipline, leadership, gratitude, and enjoyment. And the thing that I find very enjoyment.
SPEAKER_06:Yeah, the last one got yeah.
SPEAKER_08:So the thing I found really interesting about this is like we talk a lot a lot about like discipline and that kind of stuff here, but but he said these are things that like you can't just like you have to develop over a period of time, like in your life. It can't just be like, oh, I'm going to be disciplined today, and now because I'm disciplined for one day, I have authority. But it's like what happens is like again, because we're we're so good at reading human cues and human um with smelling through fakeness, that if you in your life build that confidence and discipline and all these things in your daily life, uh your ability to have authority is just becomes it almost innate, it comes natural. So people aren't they they can see that you are you you represent what you're actually trying to you're representing internally, what you're trying to present externally. And I found that really interesting because it's like there's a portion of like, yeah, sometimes you have to almost fake this confidence, uh, this authority. Yeah, which I think is kind of sometimes true. But if you're not trying to do something in your life consistently to become that that person you need to be, you're never you're gonna hit a wall at some point.
SPEAKER_03:I uh on that topic, I don't think it'll come up, but uh uh on my algorithm, something showed up the other day, two days ago, and I'm just loving the concept of it. And maybe you guys know the fella who showed up, I can't remember his name. Hard is good. Everybody like creating that, creating uh authority and discipline, and hard is good. You you'll never get there if you don't experience hard. Yeah. Like the everybody and we're we're raising a ja I think we're already there. I think in the last 10 years we've kind of got there as a society that um we want to shelter and we want to protect, and we're the we probably not at this table, we, but like our children, our future, uh the generations coming up after us, that we want to make them insulated from hard and difficult and struggle. But I don't know of anybody who actually has those traits that you listed off for authority who actually aren't faking it and they actually have it that didn't experience pardon a better term, the individual used the word hard. Right. Like said it like jocko, like hard. You know what I mean?
SPEAKER_08:Like or see or seek it out. Yeah, like yeah.
SPEAKER_03:And the the way he explained it is that you don't know when hard is coming. Like you live your life, you you you go through every day, and we're all inevitably going to have hard times. Like we're all gonna we're all gonna get ill, we're all gonna have the loss of a loved one, we're all gonna have an injury, we're all gonna have some uh we're gonna lose our job, whatever it might be. But if you don't look out for and experience intentionally hardship, when you get there, you will fail. Because it's like anything else. Like first day on the job, first to two, three years on the job at the old folks' home or the facility, is that you don't know what you don't know. And until you experience things several times, that's where you get confidence from. And that's where it's resiliency. Yeah, like if you don't experience difficulty and hard hardship, and your kids raising them the proper way, where they do experience that in a controlled way, like you help them through. We're just creating as you would uh CJ term bags of milk. Like bags and if you don't experience that, you you work these are people who are gonna be taking care of us when we're old and they're gonna be our politicians and our leaders. And if they don't experience hard, we're fucked.
SPEAKER_05:Yeah, that's uh you know the saying like the worst thing that has happened to you is the worst thing that has happened to you. So if you if you spend your life sheltered from the hardships of the world walking around with your fucking furry tail hanging off your back and get upset when somebody uses the wrong sounds out of their mouth to describe you, man, your life's gonna be hard.
SPEAKER_02:It's gonna be so hard. But we want to shelter people from hard.
SPEAKER_06:And as a parent, if you're a furry that gets gendered wrong. That's what that's what you meant, right? Whoa, whoa.
SPEAKER_05:I didn't explicitly say that.
SPEAKER_06:I'm pretty sure we're safe with the listeners here.
SPEAKER_02:Nobody's gonna get offended.
SPEAKER_05:Yeah, I'll say you got offended when I said sit on your couch with your floppy man titties earlier.
SPEAKER_03:I don't know what we're doing as a as a culture, but uh those things just resonate with me even more now. And it's only because we I I don't know all of your experiences and you don't know all mine, but I know all of them. I'm confident that but and you know how you think you're ready? Like you get through you get through something in life that was difficult, and you're like, okay, I'm it's not that you're over whatever that situation was, but you're better for it, you're better from it, the experiences you have to get you to today in your life. Yeah, but the next one comes along, and it's the it's not that it's the end of the world, but it's like, damn, I'm back at the bottom again. Do you know what I mean? For that experience, and you build yourself back up, and then it's just inevitable. That's life, right?
SPEAKER_05:Yeah, but you get into the habit or the cycle of like, oh, I got through that, I can get through this. Yes, right. It's like running, right? You get through a long run, you're like, Oh, I did that one, I can get through this one. Right. Or I can't and I quit. You text for a ride, but you learn.
SPEAKER_08:I'm 25k in. Seeking out the hardship is is the key, right? I mean, because you're gonna have some natural ones that happen in your life, like you said, but then that's that's gonna be hopefully few and far between. Where like so, in the meantime, building that resilience and that that building your confidence comes from accomplishing those tasks that you set out for yourself that are difficult. Uh or maybe they're difficult to you. They don't have to be like difficult in the scheme of things. Maybe difficult to you is going for 5k, but you get up and you do it, and you're like, oh, I accomplished that. That builds confidence, and then hopefully that it starts a discipline train as well. So you're like, okay, I want to do that again. Um so like it's that it's that combination of like dealing with hard things as they come, but also seeking those things out when they're not happening to create that hardship in your life, that's that unnatural hardship in your life to allow yourself to build that tenacity and that resilience. Uh that's where like the like I mean the ultra running. Like, I don't it's that's weird. I got why am I doing this? I don't know. And it but it's purely like after doing that 100k, it was like that was that was something that I did not honestly did not think I was gonna finish it. And there was times during that race, we we both know that we were like, this is stupid, I'm done, I'm done. And then you're like, but like fought fighting through that, and you did too, you fought through that. Fighting through that, you you're like, Oh, you found something in you that was like, Okay, okay, this is good. And then this next one I'm doing again, it's the same thing. I'm like, I'm scared of it. I'm scared of this. I'm scared for you. Thank you. Just so you know, yeah, I'm scared of it. I'm like, I don't know. But also for your knees and your ankles. Yeah, I know.
SPEAKER_07:Your joints.
SPEAKER_08:Weird, but it but again, it's like I don't know if I'll finish it. And and I I obviously hope I do, but it's like it's I have to try. But don't you think it's a mindset? So I'm not gonna die. Don't try for him.
SPEAKER_03:We haven't mentioned coal plunges yet, have we?
SPEAKER_05:Uh we actually have today. It's been uh we actually that's why our listenership has gone up.
SPEAKER_03:I I think I think that you can set yourself up for success or at least making softening the blow of those difficulties in life by doing things like ultra-marathoning, like small, this is a very small, like cold plunging, uh jujitsu, like these things that you're actively seeking out a shitty situation, yeah, like a very difficult time. And that way, when you know when you get diagnosed with something or you your loved one passes away, you know that yes, right now it this feels awful, but you know what? I'll be okay. Yeah, and there's so many people that never, and so many people that work with us in our profession that it's like, no, you guys are stupid. Why do you do that? Well, it's so I'm preparing myself for when the hard comes, like when it just is there.
SPEAKER_08:So and they this those people get broken by events, like they get, and I'm not saying you if we couldn't be broken by an event too, but they go through something really hard and now they're broken. Like they they take a long time to bounce back and recover. And uh I usually it's a lot longer than it would take somebody who has dealt with that in their life or they've built that resilience up. Um, and so like trying to trying to mitigate those um acute events that are difficult from like making it a long-term problem for you in the future. Sure, you might be you know dealing with some situation for a month or something like that, but then you can bounce back like, hey, this isn't the end of the world, I can get through this.
SPEAKER_03:Um but there's so many people that just walk through life and never well, not never, but rarely experience those things. So uh jumping in the plunge this morning, I messaged you. There's not one time yet. I've steady steady for 14 months. There's not one time yet where I'm like, I can't wait to hop into three degree water for four minutes. Like, not once. I'm I'm waiting for that day to come. It hasn't come yet. I don't think it's coming, but but how many people will do like they'll buy, they'll set it up, and yeah, and they'll do it for a week and they're like, fuck that, that is awful. I'm never doing it again. Or start jujitsu and they're like, I'm watch, I'm watching, you know, these matches or whatever, and I'm like, or I'm watching, you know, guys roll and I'm like, oh yeah, I got this, and you realize that like you're gonna suck for like four years, yeah. Like and so they just quit. It's just everything. Like people wanna uh go and be in a fitness competition or be like go and do powerlifting competitions, like, man, this is really involves discipline and this is super hard. I I quit. Like, I can't do this, it's just too hard because they they can't see the four-year journey, or they can't see uh the I don't know, eight years of school to be a doctor, or they can't they can't see past that because they only live in this little time.
SPEAKER_05:Yeah, but this oh thank you for bringing this full circle. This is why, like, also people are really bad at investing, yeah. Right?
SPEAKER_03:Long term eye into the stuff. Because the the end of the tunnel seems so far away.
SPEAKER_08:Totally. Well, and the the the problem with the social media and all the things we see is we see the end result, we see the result of the four years. We don't see the four year struggle to get. So that chick posting and saying you can look like me by doing this thing. Brought to you by OZEMP. Exactly.
SPEAKER_02:Get your shots now. Have you seen that South Park episode? It's the best thing of maintenance. The random obesity. It's so Randy. Randy's green.
SPEAKER_06:So people are almost conditioned for instant gratification. They are conditioned for the long term.
SPEAKER_08:So they they did they do the week and they're not seeing some insane results.
SPEAKER_05:People with TikTok on their phones.
SPEAKER_06:I don't have Instagram, so it's a good balance, right?
SPEAKER_08:Oh man. Yeah, it's just that that like instant, oh, I see I see the results. We think those results happened overnight, where in reality those results took 10 years. And that 10 years of like discipline and ups and downs of discipline, some really good times, some really bad times, some really good times, and probably more good than bad, because you ended up in a result of here's 10 years of results. And now like, okay, you can be like me. And then people spend a month and they're like, what's going on? Nothing's happening.
SPEAKER_06:Did he get into why authority and enjoyment are tied in? Is it yeah?
SPEAKER_08:He talks about it.
SPEAKER_06:Uh yeah, that one does enjoyment. Not not to take it off track.
SPEAKER_08:So uh gratitude, his the idea was just again, just that air of like, I'm happy where I'm at, I'm grateful where I'm at, uh, that gives you that that leads into all those other things. So if you're happy, if I'm happy with where I'm at, you're you're confident in your what's going on. You maybe trust the journey that you're on, uh just being grateful. I mean, grateful people in general are a lot less um, I don't know, hard negative, hard to be, they're not they're not hard to be around because they're just happy, right? Yeah. Uh and then the enjoyment part, I think it's just again, it's just the idea of like um the growth mindset, enjoying the process of what's going on in your life versus uh like just looking for that end goal and then wanting to get to that goal. And then once you're there again, not and just ignoring the whole process to get to that end goal. Whereas I think all of us in this room have realized that like, no, it's actually the the 17k run I did yesterday, like enjoying that process, not thinking about the hundred miles in September, thinking about like finding enjoyment in the process of doing the things so that that end goal, sure, it's there and there's something I want to accomplish, but that isn't even really the big part of it.
SPEAKER_03:It's like being in the it's almost like being in the moment, like yeah, appreciating being gr being grateful for the moment that you're in. Completely like I and I'm not talking about bad moments, like there are bad moments that you wish you were not in. Right. But um the idea of gratitude and m my wife and I are trying to be more life just goes by so damn fast. So fast. But and actually, um where did I trying to think of where I heard or read you know how when you're I was just talking to my kids about this two days ago, is that you know how when you're younger, I'm gonna say until you're like 25, it feels like life is going back by slowly, right? Like you're the zero to twenty-five feels like it took forever, whereas the twenty-five to forty-five is like that. Yeah, right. And I finally just stop you. That was a really good snap. Chris, I finally realized or I finally learned or heard something that sounded accurate. Uh I have no data other than what the individual said, is that so as you're growing, your brain is continually rewiring with new experience. So, like you can start from um child's age, where they are learning how to talk, to walk, to to function. So your brain is continually rewiring. Boom, boom, boom, boom. As you're going through high school, you're learning new things and new experiences. New experiences is the key to this whole thing that I'm blabbing on about here is that you experience you have your first new girlfriend, you learn how to drive, you learn how to uh you have a your first job. So your brain is continually working. So now those those experiences in life are frequent as you grow. And then as you become older, the new experiences are fewer. So that is why your your brain is not having to work as hard. It doesn't have to continue to rewire new uh motor skills or new experiences. So that's why life feels like it goes by faster when you're older. So that's it that's imperative for you to seek out new experiences and learn new things because it almost makes it slow down life.
SPEAKER_07:That's interesting. Makes sense. Yeah, like it makes sense.
SPEAKER_03:And I don't I think I yeah, I think I have the oldest children in this room, and uh like zero to ten, it's like, oh my god, like when is this gonna end? Right? Like it feels like it takes forever, not in a negative aspect, but like you wish you had more spare time, you had more you you have more um lick income that you uh the word I'm looking for, but like you you have more free money because life doesn't cost as much. But as you your kids get older, and it's only because you I think you can have children, and that's how you can equate it to time, is that like my kids are gone now, and I wish I was in your shoes. Yeah. Do you know what I mean? Because you cannot get that time back. And I got kind of sappy last night. I was listening to my like Spotify DJ where they suggest songs and they go through errors, and they played um uh Cats in the Cradle.
SPEAKER_04:Yeah.
SPEAKER_03:And I was like driving home after being with my kids, and I'm like, fuck. Like that song is like that's a that's a hard song. Yeah, you're so busy, and life just goes by, and the next thing you know, your kids are like 20 something years old and they had their own lives, and you have nothing but time now, but they're busy. Yeah, you know what I mean? Like it's it you make me sad. Stop it. Try and slow down life. Don't like that that's cry at all. It all comes back to struggle and it all but seek out experience. Like it boils back to like your your elderly parents who never experienced anything and they have all this money. Well, you're gonna realize later in life, man, I wish I've experienced more.
SPEAKER_06:I should just send them a mixtape with that song on it for every track. It's bad. That's bad.
SPEAKER_08:But the the great thing about this is like you being in your position and talking to CJ because you can't see who I'm pointing at, uh, with a with a small child, it's like um I did not have anyone talking to me about this when my kids are little. And I mean, I don't know if it would have changed anything because time still flies by no matter what. But I mean it's like, and I think you're already in a good headspace for that you understand that like momentum, more we're all gonna die, experience like take take experiences and try to enjoy them. But it's like you can say it, you can say it, you can say it, and then it still happens, and you you realize I should have spent more time or something.
SPEAKER_05:Yeah, because you can say that to me every day, but I will still fuck this up for sure.
SPEAKER_08:Yeah, we all do, but we all do, and and that's the thing that's like, but I mean the good thing you have a bunch of people who are kids are older and we're like, hey, telling you, dude, like this is amazing. Like, enjoy this. Like, don't like don't take advantage for granted. Um, and it's tough, right? Because it's we all because life is busy, and so you still end up having to do things that aren't just sitting at home hanging out with your kid, but it's like it's hard not to it's interesting. I guess mine are as old as yours, but like my daughter's 15, and like three years from now, she's gone, and like it scares me.
SPEAKER_03:And you you mentioned it on the last podcast is that um that time because you're spending more time at home now because you have a small child, and man, you're like, Man, I wish I was doing something else. Sometimes I'm sure you're like, Man, I have other things I could be doing, but be that homebody, spend time at home, like with just with you and your wife and your child, and just exp and enjoy that because eventually you're sitting at home alone and nobody.
SPEAKER_06:Well, the house is gonna be so quiet. It's gonna like my wife and I talk about that. Like in 10 years from now, our house, or 13, I guess, is gonna be so it's gonna be so fucking quiet on a Wednesday at our house. It's gonna be so weird.
SPEAKER_03:And then you're gonna have hour-long conversations with dogs because there's no other humans in your house.
SPEAKER_06:Well, yeah, we're trying to stack up all the hobbies we can because like it's gonna be quiet.
SPEAKER_08:I said this to Tony the other day because Tony's like his four boys, and he's like going to soccer all night, he's losing his mind. And I I get he's doing a lot, so it's like, oh man, that's tough. But I'm like, in five years from now, you're going to wish you were doing this. A hundred percent. And like it's hard, it's hard to do it. What's a balance? It's a balance. It is, it is, but it's like like uh my daughter's uh basket with basketball weekend, every weekend we have basketball, and it's like in the moment you're like, oh, I don't want to go watch again. But you're like, no, I do. I want to be there. I want to, I don't want to miss this at all. And so like you try to have to just get it's like again, it's resetting that intentions in your mind. You can't, you're gonna have the oh, I don't want to be doing this, but then you have to be like, no, I do, I want to be, because I know in four years from now this isn't gonna be an option. I'm not gonna have the ability to do this, and I'm gonna want to. So it's like you have to like in the moment be like, this is hard, this is tiring, I'm very tired. This sucks going spending four hours at the soccer center or four hours at the gym or whatever the thing is. But it's like I will want, I will miss this more than anything soon.
SPEAKER_06:Yeah, my my daughter will never listen to this, but um, which is a good thing. She will. She's awesome. She just got an Alexa yesterday and she's called me three times on her Alexa. Anyway, uh, every night we do the thing where you just sit in bed. She's just she's she's a good reader, but we we lay in bed and I lay in her bed and she reads to me Mary Poppins, and it's just it is oh you know what it's like to have a kid who and you know who can barely read and they're trying to read to you, and how frustrating and and and annoying it is for you, but it's nice, right? Yeah, and she stumbles on every word, and she it takes it takes like probably about 10 minutes to do two pages. But we do two pages every night, and I have to force myself to think about that and to just to read just to be in the moment, Jason. Just don't don't don't think about anything else. It's the yeah, it's yeah, it's like tu to wa wa. And then I look, it's the honey. It's good. Yeah. But we're we're like five pages in, and it's it's just it is so frustrating. But it's but you gotta shut it down. Like I in my mind, I'm like, shut yourself down for 10 minutes and just give this 10 minutes to her in the moment because yeah, she won't want to read to me in 10 years.
SPEAKER_05:You guys are depressing the fuck out of me right now. It's great.
SPEAKER_08:Yeah, get ready, cats in the cradle. You got you gotta check your reframe reframe the thinking. It's an opportunity. You have the opportunity we no longer have in a lot of ways, and that's how I think you need to look at it. You you have that ability.
SPEAKER_06:You do, and that's why every day when I leave, I leave here and I go home and my besides a family meeting. If I'm worked up about stuff and we talked about the podcast, I look at my wife and like, hey, do you want to do you want to have another kid? Can we have another kid? Because every time I walk in here and I see your daughter, and I'm like, oh fuck, was that a cruel stage? Just the best. And with all the knowledge to go back and do the the whole thing again. Oh how old, how old are you now? I know it's not I'm 40 and she's 39. I know, yeah, it's one of those things. One of those things. I'm like, what do you think? You can do it. We could do it, but time and money is.
SPEAKER_03:I'm looking around at people who are having people who are having kids at 40. I'm like, what in the fuck are you doing? It's crazy. Do you know what you're doing? Yeah. Like, how is your you know, bending over and picking up a kid? Like that might blow up my back when I'm 50 years old. Like, forget about you know, a whatever 400-pound deadlift. You're you're picking up an eight-pound child and your back's blown out.
SPEAKER_05:See, I think you just need to uh listen to a lot of these things on a repeat. Yeah. Um, because yeah, you're right. Yeah. Uh like every time my daughter comes up to me and asks to be picked up, I now have it in my head. Like, and I don't know how it happened, but it just shows up my head. I'm like, oh, this could be the last time. It's not, right?
SPEAKER_06:But like you're years away from that.
SPEAKER_05:I know, but like there will be a last time. Yep. Right? And then you're like, oh. So then just cherish every single one of them. Yep.
SPEAKER_08:And you're you're not going to, because we're humans and you're gonna it's gonna slip. But you just have to reset. Like it's it's like uh it's like meditation, right? In the you're meditating and you're supposed to be not thinking about anything, you're supposed to be thinking about something specifically, your mind wanders. That's okay. Reset. It has to be intentional. It's an intentional. I recognize that I'm not doing what I want to be doing, or thinking about something I shouldn't be thinking about. That's okay. That you can't beat yourself up about it because that's useless. There's nothing productive with that. So you just reset back to the thing you know you should be doing, and that's all you can do. 100%.
SPEAKER_03:Who's uh who's coming to roll after?
SPEAKER_08:I am not. I got two cats to do.
SPEAKER_06:I'm going to Star Wars.
SPEAKER_03:Just you and me. Just me and you? Just oh, and I think we've got a few more coming.
SPEAKER_06:All right. That's gonna be good.
SPEAKER_03:You're going to see Star Wars, like at the movie meal?
SPEAKER_06:Yeah, we're watching the the whole nine with my family, and then the movie mill's playing them right now. So we're going to the stars. We're going to the second movie. Like there's nine main ones, like three trilogies. Yeah, I get those. But you're not watching them all today. Oh, God, no. No, God. We've been working on this for six months. It would take you an entire day, probably. Yeah, we've been working on this for six months, and we've watched four or five, I think.
SPEAKER_03:We did that one Christmas. We watched all of them. In order. Yeah. All nine? Yeah, it was awesome. Oh my god. You have to get through the first one though. Jar Jar being some of the things that's a good one. Yeah, we watched. We watched that one the other day.
SPEAKER_06:My youngest liked it because he's like, oh, Jar Jar's so cool.
SPEAKER_02:I'm like, no, he's the worst character. He's a loser. He's a loser, kids. Have you seen Star Wars?
SPEAKER_05:Yes, of course I've seen Star Wars. Don't say a fucking thing.
SPEAKER_06:Oh, don't act like that's a thing that we should know. You watched no movies. Of course. Sorry, I don't want to get upset.
SPEAKER_03:Did you say you hadn't seen Braveheart?
SPEAKER_08:Yeah, I haven't. Or Gladiator. Bro. Oh. I know. Makes me angry.
SPEAKER_06:He grew up super religious, I think. I used to have TV as well.
SPEAKER_05:I feel like we've accomplished nothing today.
SPEAKER_02:What are you talking about? I feel great. What do you what's your did you get through your notes? What did you want to get through? I didn't even make notes because I didn't know. No, I got through mine. We're good. You can see that. I wore all of them?
SPEAKER_06:I watched the Zelinski thing before I came. So I thought we'd talk a lot more about it. I'm like, I finally have something to do. I'm tired of caring, but I can't help but care.
SPEAKER_05:No, and that's what I mean when I say sorry. When I say I feel like we've gotten through nothing today, like I feel like we just have it is so hard to explore these topics in any type of comprehensive fashion.
SPEAKER_08:You're right. I I think we accomplished a lot. I think the health financial thing's a good discussion. I think people should talk about it more often. Um I think we I mean, Matt to drop some nuggets of wisdom and there was one thing I wanted to thank you guys for.
SPEAKER_03:I I sent uh yeah, I think it was maybe you two I sent a message to when you guys were talking about um uh there was an episode maybe like three or four ago where you guys were talking about um resilience and you were talking about having uh how do I say this? Somebody uh speaking to somebody or getting experience from someone who comes from I think we're talking about like bad background and somebody who like what's the difference between succeeding and not succeeding? And is that person or those individuals set up to fail? Like, do they have a chance? And that resonated with me. Like that was awesome. And I know that I don't know what the listen little listenership numbers are, but like there's people who listen and will take little nuggets from every episode, right? Right. And that for me, I was like, holy, like that really resonated with me because I we talked about resilience a little bit today, yeah, and that's a huge thing. And I don't you can't teach it, it's it's an odd thing, like you can't really teach it. You either have it or you don't, but you I think you need to seek it out because that will improve you as a person. Yeah, and I like I came from that, I came from that struggle, and I came from bad, bad stuff. And you know, it it's possible for people to get through life, and it's not like, well, these people have no chance, or these people, oh, it's my genes, you know what I mean? Liz Lizzo getting after it. Oh, it's my it's my slow metabolism or my thyroid. I'm like, no, you just need to put in hard work, and that's just that's also life. Yeah, it's not just fitness and whatever else we talk about uh daily and on the on the podcast here, but like you you just gotta get after it. Is that yeah, for sure.
SPEAKER_08:No, I appreciate that. I I but I one thing I I think with the resilience thing, I don't think it's you have it or you not you don't. I think initially, for sure. Initially you grow up and you either you were either had to develop that as a child or you didn't, and then as an adult, you need to seek it out and you can you you can develop resilience. It's developable, it's the what's the word developable.
SPEAKER_07:It's develop it's developable. Thank you, thank you.
SPEAKER_08:It's developable. Uh for sure. It's just that you it takes intention. You have to seek that and do that. Yeah, um, but I I appreciate that. It's it's I don't know. Sometimes we say some stupid things, and sometimes I think we have some good stuff.
SPEAKER_03:No, there's always a little nugget in there somewhere, and I'll shoot you guys a text like yes.
SPEAKER_05:I appreciate you shooting us a text because I always feel like I'm just like I don't make any rational sense. Get after it like Lizzo is. You uh yeah, you just gotta get after your reflex that resilience muscle.
SPEAKER_02:Yeah.
SPEAKER_05:How many reps on the resilience muscle?
SPEAKER_02:Three sets of 12. Where is the resilience muscle? Everywhere. Kegels.
SPEAKER_06:What time does your movie start? Uh 12:30, I think. Oh, you got tons of time. Well, I gotta go home and get the kids and we gotta go roll.
SPEAKER_08:Okay. Uh, thanks for coming once again. We appreciate it. Finish my banking on the drive home. Maybe we should uh if you're willing if you're willing, maybe we could have you back on and we discuss uh your childhood.
SPEAKER_03:Yeah, I you know, I like that. I'd be all about that. Um and it's only to I don't know if I'd be uh pumping my own tires here, but like I feel like I'm more successful than the average person who struggled with what I struggled with growing up. Right. And I don't know why. Right. I think it would be interesting to find out why. Like I've spoken to um counselors and psychologists and stuff, and um I don't know how you put a finger on that. Do you know what I mean? Like, what was it that we can get into it next time, but like I think that people would benefit from that because like they might just have a small amount or a small uh area where they can relate to something that maybe I've gone through, but there's no way that it's just chance. I don't believe it's chance.
SPEAKER_05:Yeah, well no, it's your it's that like incremental, like I'm gonna like how do I describe this like that one percent of like oh I got like a little like flex of this resilience muscle, and then that changed my path this much. And I flex that resilience muscle again, and it puts me a little bit further in the original path, but in 20 years you're it's like a ship, right?
SPEAKER_03:Like I think that's probably what one one little thing I had it up on here. Uh I'm sure you guys want to get going, but like, okay, um I'm just trying to bring up this came up on my uh algorithm and on YouTube, and I absolutely love it. Um do you guys know what you know who Henry Rollins is, right?
SPEAKER_07:The name sounds familiar. I can't think of why. He's that actor from uh oh, what was he?
SPEAKER_03:Well, he was the leader singer of Black Flag. Yeah, but um he just he has a thing called uh Big Think. Military too. Big think. Uh I don't know. That's uh you can't really see him, but that's Henry Rollins. He's in like Sons of Anarchy, he's in a bunch of shows, but he's the singer of Black Flag, and he has a podcast, it's called uh or uh YouTube clips that he posts called Big Think, and he's only got like 12 of them. Neil Neil deGrasse Tyson's on one of them, and he spoke about something that really resonated with me. It was um before he became the singer of Black Flag, they were like his favorite band, blah blah blah. He was working making three dollars and forty cents an hour in California when he was 19 years old, and he talked about what kind of person he was before he had the opportunity to sing in probably one of the biggest punk rock bands of like the 90s, and um and now super successful. And he spoke about what kind of person he was, and sorry, I'm just relating it back to my upbringing and what I went through. Is that there are people in this world who have an easier path, and they have an easier path whether it's from just the way their parents are, maybe they come from wealth, maybe they come from opportunity, but there are also the other side who don't come from any of that, and so it's not that they can't have the same outcome, they just have to fucking work harder. Like it's some people just you went through college or university with them, and they barely need to study, and it's like 100% on everything. But then there's people like myself and a lot of other people out there who just grind and grind and grind and study and put effort in, and you're getting 70 or 80. And it's just not that it's not gonna be, but it's all about decision. Like you can decide to just accept where you're at in life, and this is where I'm gonna be, and this is the kind of person I'm gonna be. And so in in the social construct of our society, this is where I'm gonna be, and I can never be anything more. But you just need to there's some people who just need to grind and they just need to work harder. And even at our job, you're talking about showing or uh being able to uh authority, like to just confidently show authority and be able to do. Deal with what you need to deal with. Well, some people need to work like two, three, four, five years to get to that point. And some people it just happens now. And it's just a matter of grinding and working harder. You can all have the same outcome. You just might have to work harder than the other person. People don't want to do that. Yeah.
SPEAKER_08:It's not easy, which is why it's uh a lot of people don't do it.
SPEAKER_03:Listen to a few of those big think ones. You cut cover some big, big topics gay marriage. Um you know, like opportunity. Uh like it's great. And they're only about seven minutes each. Oh, I like it.
SPEAKER_05:Yeah. Uh thank you, Matt.
SPEAKER_03:Yeah.
SPEAKER_05:Yeah. It's been nice having you come on. I can talk. We can go all day. Uh, you'll come back. We'll talk about some more stuff. Yep, I agree. Awesome. We have a we have a date on the microphone on the mats.
SPEAKER_03:I like that. Yeah. Yeah. That would be wild. And just talk grappling and yeah.
SPEAKER_05:Does does the world need another jujitsu podcast?
SPEAKER_06:No, but to not specifically talk about the world need another podcast with like four white guys just talking about their days.
SPEAKER_05:Our struggles. Like life is so hard.
SPEAKER_02:I don't think we said that anyway. Oh my god. It's wild. Yeah.
SPEAKER_05:Uh yeah. No, microphone on the mats. Let's do it.
SPEAKER_03:The mic to the mats.
SPEAKER_05:Mat's what it was.
SPEAKER_03:Well, this is today. We're going from the microphone to the mats.
SPEAKER_07:All right.
SPEAKER_03:And we'll go struggle. Let's build resiliency.
SPEAKER_07:I wish I could come. I have too much else to do. Sorry. Don't look at me.
SPEAKER_06:I got a two and a half hour movie to watch. It's great. Okay, never mind. Which episode? Uh two. Ooh. Clone Wars. Some good violence, like some good fights he's gonna be. Clone Wars is good. Kids will like that.
SPEAKER_03:Little Ewan McGregor in there? Alright.
SPEAKER_06:I like him looking after it.
SPEAKER_03:General Grievous makes an appearance.
SPEAKER_08:My vision. It's like if the stormtroopers got lazy hands injury. Yeah, like the first episode, they kill everyone. They're like, oh it's like, well, I guess we won. Actually, it wouldn't be the first because they weren't cloned. Anyway, yeah. End of the movie. Yeah. Are they clones? Yes. Yeah. They're all the same person. Shut up. Oh my god. You said you saw them. All right. Thanks for listening. Uh hit us up on uh social media, Twitter, Instagram, email. Whatever. Mail. Snail mail. Mail us a letter. Alright, bye. Once again, thanks for listening. If you enjoyed the podcast, share it with a friend and consider heading over to our Instagram at Average Superior, checking the link in the bio, and supporting the show. Have a great night.