S2E14 - Retirement Taxes, Insurance BS, and the Neighbor’s Concrete Project

In this episode, we bounce from garage smoke, bong mishaps, and random weekend plans into a surprisingly real conversation about retirement, Social Security, taxes, and whether people should catch a break after working their whole lives. We also get into insurance headaches, hail damage, car plans, mystery construction next door, missed Wing Wednesday, future road trips, and the usual mix of family updates and random bullshit that somehow becomes a full conversation. 

Transcript

SPEAKER_01 0:00

What up everybody? I'm Ian.

SPEAKER_00 0:03

And I'm Robbie. And we're two assholes in a mic.

SPEAKER_01 0:07

What a flanky. What up, flanky fling dog?

SPEAKER_00 0:11

He's like, what the hell? We haven't guessed?

SPEAKER_01 0:18

No, he um he had some shit he had to do. I guess he didn't realize we were doing it today. I thought him I was gonna call him on the weekend. And he didn't realize that it was gonna be now on Saturday night. Anyway. He had an appointment he had to go to with his son, and then I said, Alright, well next weekend, next Saturday, he's like, Oh my daughter's graduation next weekend. I was like, well, then just call me whenever you're ready. Yeah. And he felt bad because he gave me shit that I didn't call him a couple weeks ago. He's like, bro, you never called me.

SPEAKER_00 0:49

Sorry, not sorry.

SPEAKER_01 0:51

Yeah. Shit happens.

SPEAKER_00 0:53

Shit happens. Yep, shit happens.

SPEAKER_01 0:56

Yeah, but there's one other dude, um, Chris Wirt. He um he's out here actually, so he'll he'll be able to get on sometime this week. Nice, nice. Yeah. What did you get into today so far?

SPEAKER_00 1:11

Not much, dude. I didn't wake up till 11. Nothing.

SPEAKER_01 1:14

Just chill.

SPEAKER_00 1:14

Yeah, I woke up at 11. What did I do? Yeah, dude, I haven't done shit. I've been watching uh last 48 or the first 48 with uh Aaron. I packaged up a show order from last night, and then mainly we've just been sitting around waiting to do this so that I can we can go out afterwards because I woke up so late today we didn't get to do it all this morning. Normally we go out in the mornings, but I woke up at late.

SPEAKER_01 1:45

So we didn't have to do this tonight if you didn't want to.

SPEAKER_00 1:49

If they didn't want to, we wouldn't be here.

SPEAKER_01 1:51

Yeah, don't tell me to hotbox my car.

SPEAKER_00 2:03

Dude, I wanted to hotbox the garage, but it's too fucking hot today.

SPEAKER_01 2:07

I feel like it would take a it would take a lot.

SPEAKER_00 2:10

Yeah, but it might take a lot to do your garage. Yeah, I've had it fucking pretty damn smoky up in here though. Just sitting there like I filled this this pipe up and then just fucking like not even smoked, but just puffed and puffed and puffed and puffed, so it's like a chimney fucking just coming out of this motherfucker, dude, and the garage is actually pretty funny, smoky and stuff. Like I didn't get high from it or anything, but it was still funny and cool.

SPEAKER_01 2:34

I've seen those people who use those air pumps. Yeah, they use a fucking plug-in air pump or a better air pump and just fucking make a big ass bowl and just do a room.

SPEAKER_00 2:43

Yeah, that'd be crazy.

SPEAKER_01 2:45

That's crazy. I wonder how high that would actually get you.

SPEAKER_00 2:49

I don't know. Have you seen the one videos where people wear like gas masks or whatever and they connect those air pumps to them and stuff, and then they fucking just force seed that shit in there? That shit would be crazy.

SPEAKER_01 3:02

My older brother said he did that one time.

SPEAKER_00 3:04

Yeah.

SPEAKER_01 3:06

Pretty sure he said he did that. Like it was one of those old the um NCU2 masks. And it had like the long fucking um elephant trunk looking thing. Yeah, yeah. Nice. Or like a pipe with the the hose.

SPEAKER_00 3:26

My brother has a fucking bong. I don't know how I feel about 'em. I think I'd rather have like a hookah than a bong.

SPEAKER_01 3:34

That's all I used to ever smoke out of was a bong. Really? Yeah, it was just always so easy.

SPEAKER_00 3:40

I mean, yeah, I guess. I don't know. I just I guess I've gotten so used to the pipe.

SPEAKER_02 3:45

Yeah.

SPEAKER_00 3:46

You know, that's just what I do. And doing it all, I actually drooled on my brother's fucking bong. He got all he got all butthurt and had to clean it all off and shit with isopropyl alcohol. I was like, because I could have lied to him and like just left it there, you know. But it was fucking weird, dude, and trying to get it around my mustache and beard and stuff. I've got fucking hair all around my lips, right? So I fucking I pulled my mouth away and accidentally fucking drooled all over it. He got all he got all pissed. I was like, my fucking bat, dude. I could have not told you about it. I was trying to clean it. He's all like, I need to sanitize it.

SPEAKER_01 4:25

Just a little bit of drool.

SPEAKER_00 4:27

Just a little bit of drool. I hate drool too, so I get it. But it's like you had a bottle of isopropyl right here, it's not that big a deal. It's not like I got any fucking diseases and shit. Yeah. Yeah, exactly. Actually, you can because there's two different kinds.

SPEAKER_01 4:45

Can't can't get AIDS twice.

SPEAKER_00 4:48

There you go. I don't know, maybe Magic Johnson will get it again.

SPEAKER_01 4:55

Well, he never had AIDS, did he? I thought he just had HIV.

SPEAKER_00 4:58

I I'm not sure. I don't know enough about him and his situation.

SPEAKER_01 5:03

His his love life. Yeah. I'm gonna look that up. You know what I didn't look up? I said I was gonna look up though. What? Um just the things I wrote down to research. I don't think this was. It was. Fucking failin'. I have a face There was being text after retirement. So I mean I guess that's that's not something I'll have to look up, that's something we could talk about right now, actually. Do you think that say after you fucking worked your whole goddamn life and you hit your retirement age and then you're like, alright, cool, I'm drawing on to on social security. Do you think that all of your retirement and your social security and all the stuff that you receive should be taxed after retirement? Or do you think that hey, I fucking spent a whole lifetime working, I'm at my retirement age, and I shouldn't be taxed anymore. So I don't know if that kind of ties into the conversation we had the other night about retirement age. Say they made retirement age 60. What's retirement age now? 65? 68? 65. 65. 65. So do you think that at 65 I should no longer be taxed on my income? Not I'm not saying I I don't pay tax on goods and services and stuff like that, but like all the income that I received from retirement, social security, do you think that should be taxed?

SPEAKER_00 6:37

Yes. If if other people are being taxed on their income, then yes, because right now our society runs on taxes. Whether or not that was supposed to be a long established thing or not when they first instituted fucking taxes and stuff back in the day is is another thing. I know certain people believe that we should be back on tariffs and tariffs only and we should all be tax-free and blah, blah, blah. That to me is crazy. It's just not feasible now, I don't think. You know. Uh I don't know. So I think yes, but I don't think that they should maybe it'd be less taxed. You know, maybe they get tax breaks because they're on retirement, you know what I'm saying? Versus fully taxed, you know, maybe they get 50% off or whatever, you know. Maybe they don't pay property tax. You know, maybe you take away property taxes when you hit retirement age. You know what I'm saying? You still pay income tax, you still pay sales tax, you know, maybe you get rid of property tax.

SPEAKER_01 7:39

Well, what if I don't own a home? What if what if I'm renting renting a house?

SPEAKER_00 7:44

Then that's your own fault.

SPEAKER_01 7:46

That's why I mean I don't think that should be the fault of any one person. What if they can't afford it? Like afford a mortgage. They can afford a rent, but I can't afford it.

SPEAKER_00 7:55

Not every benefit is given to every person. You know what I'm saying? Like it's just the benefit that you know maybe the state could provide instead of you know making them pay full taxes. I don't know. I think eliminating property tax would be good for them. That's what I think.

SPEAKER_02 8:14

Yeah.

SPEAKER_00 8:15

I think a lot of people at that age are into a home. Maybe I'm just assuming because of age, now being an ageist or something, you know, you should have a home by the time you're 65, but you know, that's that's probably not always the case. So yeah. But not but not every solution is gonna fix every problem either.

SPEAKER_01 8:34

Yeah. What about let's just talk social security now. I mean, I guess I would have to look that up to find out what kind of tax is taken out of social security.

SPEAKER_00 8:43

Well, well, I mean, you can start collecting at 62 though, right?

SPEAKER_01 8:46

You just get yeah, yeah, I think it's a lower percentage though.

SPEAKER_00 8:49

Yeah, you get a lot you get penalized. Yeah, 62. Let's see, let's put this uh That's one of the reasons why I'm gonna keep working a little bit because I'm still putting into Social Security. You know what I mean? Yeah.

SPEAKER_01 9:07

Yes, Social Security benefits are taxed in the United States. Yeah, so why not make it Social Security is good social security is not taxed.

SPEAKER_00 9:18

I would I would be fine with that as a as a taxpayer myself.

SPEAKER_01 9:24

I'm just I'm just trying to think of like just trying to keep it in line with the the what's the word I'm looking for, what's the word of way the way I want to put this? Essentially I you know, this person's been working their whole life, they should get some sort of break. Shouldn't have to pay taxes on the social security that was taken out of their out of their paycheck because all the years they were working, that should be money that is then given to them.

SPEAKER_00 9:46

Yeah, I mean I could ag I would agree to that. Like if it came to like a vote or something where the people vote on something like that, I would vote for that. Yeah. I think that'd be fair. But I don't disagree with uh raising the age though, either. Yeah, you know, like I was talking about our as our species gets older and older and older, you know, yeah, we're gonna have to raise it. Whether that time is now or not, I'm not quite sure yet. We talked about the age is what uh 79 for men, something like that. 79 for men, 81 for women, I believe. Yeah, so I mean, I don't think that average is there yet. I think 65 is still a good age. Let people live out their their golden years, however the fuck they feel like, you know what I mean? Tax-free.

SPEAKER_01 10:35

I mean, but you gotta really think about it. The Social Security tax that's coming out of our paycheck now is what is actually paying the Social Security of those that are on that benefit. Yes. Yes. So it's like, you know, you're you're essentially funding the current current beneficiary.

SPEAKER_00 10:51

Yeah. Yeah, because it's not like it's not like you're actually storing your money somewhere, you know, Social Security's like putting it away and stuff or anything like that, you know what I mean?

SPEAKER_02 11:02

Just sitting in an account somewhere.

SPEAKER_00 11:03

Well, maybe it is, and then fucking politicians are just fucking taking the interest and putting it in their pockets, you know what I'm saying?

SPEAKER_01 11:11

Yeah.

SPEAKER_00 11:12

Nobody's actually, I don't think anybody like is actually watching what goes that, you know, maybe there's somebody that's like in charge of watching that shit.

SPEAKER_01 11:21

Yeah, I mean, I'm sure there is. They you know, they're just a it they're they have to do the projections on how much they're gonna pay out versus how much people are paying in. I'm sure the IRS has all them fucking numbers.

SPEAKER_00 11:31

Yeah, yeah. It just feels like there ain't nobody there sometimes.

SPEAKER_02 11:35

Yeah.

SPEAKER_00 11:36

When shit takes forever to get claims and that and the other, you know. I'm sure trying to get a hold of the Social Security office is probably pretty hard. I would that's just an assumption.

SPEAKER_02 11:46

But yeah.

SPEAKER_00 11:48

I'd compare it with VA shit. In other government agencies, is what I was thinking to myself. Yeah. If it's anything like any sort of government that agency, then good luck.

SPEAKER_02 12:01

Yeah, yeah.

SPEAKER_00 12:04

I think they're still there's still where they're just like looks like they're just painting the driveway. I don't know what they're doing and why.

SPEAKER_01 12:10

Like, was it is it a black driveway or what?

SPEAKER_00 12:14

No, it's like white or it's like gray driveway, but I don't know what they're doing. It looks like they repaved it, but I I don't know why. It's none of my business at the end of the day, you know. Uh-huh. I'm just curious. Yeah, and you know, I'm just curious because he's had to park all his vehicles out on the street this whole time. And to me, that would be annoying. Like, I mean, I park outside of the gate most of the time, you know, unless the weather's gonna be super bad or something like that, then I'll bring it inside the gate and put the truck inside. Now I've got the Mustang in there, so I'll have to clear out a spot for whenever it gets nasty to bring the bring the truck in, slingshots, whatever, and the uh the eco sports, whatever.

SPEAKER_01 13:00

Would you be able to make enough room in the shop? Like put some shit to the side. Is that where you normally put the truck?

SPEAKER_00 13:07

Yeah, because the mower's over here now, so I I could probably move the Mustang onto the side of the beetle and then pull the truck in. If it if it came down to needing it for hail, and we usually get a fairly good warning that hail is coming before before it happens, so you know, that it's coming into the air, uh put your vehicles away, blah blah blah. So and at the end of the day, there's insurance. So yeah, I had to have it done, I had to have hail damage done on or repair done on the the Subaru. My little oh yeah, I remember that.

SPEAKER_01 13:40

I remember that.

SPEAKER_00 13:40

Yeah, which is funny because the 71 was outside getting just fucking hammered with fucking hail, and so was the STI, and the truck didn't have a single dent, not a single dent in it, dude.

SPEAKER_01 13:55

Because of steel fucking steel steel beds, steel fucking cabs, still everything.

SPEAKER_00 14:00

Yeah, dude, not a dent. And then I went out. I was all nice, dude. I was like, sweet, because at first I was freaking out, you know, because we couldn't get out in time, you know, and get any vehicles in. So I sat in the garage and watched it in slow motion, like that pirate or that colonial dude coming down the stairs in that commercial and there's shit blowing up all around him and stuff. That's what it was for me, but hail, you know, hot hail chunks of ice blowing past me and stuff as I'm watching everything get pelted with fucking yeah, I thought the truck was gonna be destroyed. I couldn't find a single dent on it, and then I went over to the damn Subaru and I was like, oh my god, it's destroyed, you know, but it didn't cost it was through comprehensive portion of your insurance or whatever, you know. So and I couldn't find a dent afterwards once they did the dent repair, dude. It was they did a fantastic job. I forget the name of the company, but I was at Subaru getting my oil changed, and I got approached by a dude from there, and then they're the ones that did it all and stuff. Didn't cost me it cost me a dime. They picked up the they came, picked up the car, had it for a couple days and dropped it back off for me.

SPEAKER_02 15:09

Damn. Nice.

SPEAKER_00 15:11

Yeah, I didn't have to I didn't have to do nothing really. I was just without car for two or three days, it was. Mine is still high because of the car accident, the ticket I got associated with the car accident. I got I got three tickets that day. Well, I got three butt hits on my record that day. I got two tickets. I got the accident, I got speeding, and I got driving without a license. Yeah, so my insurance is still quite high now because of that. And then I got that after I got my permit and Aaron was riding with me, I ran that red light and got the ticket for that too.

SPEAKER_01 15:53

That's when I was out there, right? Yeah. Yeah, that sucks. How long does it take for that shit to drop off?

SPEAKER_00 16:01

I have no idea. Seven years, probably. That's my guess. Yeah. Just because of credit. I don't know. Credits every seven years, right? For shit to fall off on your credit. I thought it was every ten. Maybe it is now. Maybe it always has been, and I'm just I don't know what they're doing over there. No, they're sawing into the damn concrete over there. It'd be cool if he was putting in more um more coverage, if that's what they're doing, like their refoundation, and then then he's gonna put more coverage over for his parking and stuff. That'd be cool. Like longer overhang. Yeah, that's the word. That'd be cool. Like they're putting in the mount space or whatever. I don't know.

SPEAKER_01 16:46

Yeah, the pads for the for the yeah, yeah, for the frame. Yeah, that word.

SPEAKER_00 16:55

He's always doing something. It's always interesting to see what's coming in coming about and stuff. To make that a like a what is the neighbor doing today thing.

SPEAKER_01 17:12

Activities of the neighbor.

SPEAKER_00 17:13

Activities of the neighbor, do it every Friday. Yeah, we just gotta remember. We won't. And it's really not that great of an idea, I don't think, either.

SPEAKER_01 17:25

But I mean, just mentioning it.

SPEAKER_00 17:28

Yeah. I can't believe that one of the dogs have jumped up after these dudes. They've been sitting over there for a week or whatever, so so I guess Roxy's getting used to them now.

SPEAKER_02 17:40

Yeah.

SPEAKER_00 17:40

Slinky was not having it at first, but I guess he's gotten used to them now too. When we got back, they were still working. Like uh, okay. They've been working over there since before I got back. Yeah. Get back Wing Wednesday. And I couldn't get wings because it was a two-hour wait time and it was just fucking packed in there.

SPEAKER_01 17:59

That sucks.

SPEAKER_00 18:00

I was thinking about them motherfuckers. So I had wings yesterday for lunch. I paid, I paid full fucking price for them. I didn't give a fuck. Oh good. I was all like, I can't wait till Wing Wednesday. I can't wait till Wing Wednesday. They were fantasmic too. They were so good.

SPEAKER_01 18:13

Yeah, I do miss them fucking wings.

SPEAKER_00 18:16

God damn it. Need to make a fucking chore list and fucking fly out here and we'll fucking do a bunch of shit and fucking I'll just pay for everything while you're fucking out here.

SPEAKER_01 18:27

You wouldn't need to do that. We won't have to hardly come to come back because like I think that next summer we're gonna come out to go visit my parents. And then um yeah, yeah, yeah. But shit, even if you wanted to drive out there and hang out there in Tennessee for a fucking few days.

SPEAKER_00 18:41

Yeah, that'd be cool. I've been thinking about getting like once I pay the uh the eco sport off, trading it in for a Bronco. Not not a big Bronco, but the Bronco Sport, so then I can take Roxy on longer trips than just because I just don't trust the Eco Sport, it's got 104,000 miles on it, you know what I mean? I don't want I I would have taken that plus I had to tow. Yeah, so I couldn't have done that with that, but you get what I'm saying. Like well, it's not more reliable. Yeah, it's been good, but you know, maybe I keep it for autumn and then I just get a Broncos Sport. Or I keep it for Justin if Justin decides to get his license soon. You know, just give it to Justin.

SPEAKER_01 19:29

Do you have a reason why he doesn't want to get it now?

SPEAKER_00 19:32

No, I haven't really talked to him about it, other than you know, you still Ubering everywhere, and he's like, Yep, he's trying to find an apartment that's he's trying to move into an apartment that's literally five minutes walk uh from his work. So he I don't think he has any intentions of driving. Yeah. So he's trying to get close to his current work because they're putting him through that manager school and courses and stuff like that, you know. Hopefully they honor that, you know. Yeah. He's been jerked around in the past before, so kind of not skeptical on his part, but skeptical on their part, you know what I mean? Kind of like, are they are they gonna honor what they they're saying they're gonna do, you know?

SPEAKER_01 20:20

That's gonna be worrisome.

SPEAKER_00 20:22

Yeah, because like with Walgreens, you know, they said that they would help him transfer and stuff so that he could transfer to Walgreens, and they never did. So that's why he's looking at Target now.

SPEAKER_02 20:33

Yeah.

SPEAKER_00 20:34

So it makes yeah, it just makes me worry, you know. Not not worry about him or anything, but just worry for him, I guess, you know. But it's not like it matters because he's worried about the same thing, I'm sure.

SPEAKER_01 20:47

But yeah. But it's only natural to feel worried for your your children, yeah. Yeah, I understand that.

SPEAKER_00 20:54

Yeah. Emily's getting more hours, and that's you know, good for her. She's able to work more and stuff like that. She's been seizure free for eight months now on her new medication. So she's hoping to make it a year so she can start driving. Yeah, she wants to start driving, you know. She's the only one that wants to drive, you know, and she's she's the only one that currently can't drive, you know, it's limited.

SPEAKER_01 21:19

How long does she have to be seizure free before she can get her license?

SPEAKER_00 21:22

Or is there I think in Nevada it's a year. Yeah. I think it's she's her free for a year. Yeah.

SPEAKER_01 21:29

And it's about that time. Perfect timing.

SPEAKER_00 21:34

Yep, so all right, guys, take it easy, stay safe. All right, everybody, be safe and make good choices. Bye. Bye.