The CUllaborative

Fueled by Connection: Joey G. on FUELmi, Networking, and Career Growth

Camille

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0:00 | 26:11

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n this episode, we’re joined by Joey, a credit union professional who has grown alongside Michigan’s young professional movement. We dive into the evolution of FUELmi—where it started, the growth we’ve seen over the years, and why it’s become such a powerful community for emerging leaders. Joey shares how networking through FUEL and industry events played a key role in a pivotal career shift, opening doors he didn’t even know existed. We also zoom out to reflect on how the credit union industry itself has changed over time, from member expectations to digital transformation, and what that means for the next generation of professionals. It’s a candid conversation about growth, connection, and showing up for opportunities when they come your way.

SPEAKER_01

All right, there we go. We are live. Hello. Welcome, welcome.

SPEAKER_00

Thanks, Camille. Thanks for having me. This is gonna be uh fun. I've been looking forward to this.

SPEAKER_01

I know we've only planned it for like 20.

SPEAKER_00

I was gonna say we've like scheduled and rescheduled, and I think originally we were supposed to do this. I want to say what, maybe in the summer or late summer?

SPEAKER_01

Yeah, it was like August.

SPEAKER_00

Yeah, that sounds about right.

SPEAKER_01

And then life got a little crazy.

SPEAKER_00

And I agree.

SPEAKER_01

Yay. And you switched. Tell me about that. Like I know you went, so you went to Aloya.

SPEAKER_00

Yeah.

SPEAKER_01

You started at tell me about how you got there from the start.

SPEAKER_00

So um prior to Aloya, I was working at Adventure Credit Union in Grand Rapids. I was there for almost 12 years and I worked in, you know, a bunch of different roles from, you know, teller to being in the contact center, card services, uh, virtual solutions. And really the position with a loya kind of almost came out of nowhere. And why I say that is because I wasn't necessarily looking to move employers. It was more of just looking for kind of just something different. And how a lawyer came about was literally um I was talking to a coworker one night about just kind of some of the different, you know, vendors and in and companies that Adventure uses, and a lawyer came to mind. And I went to their website on like a Thursday night and I put my you know information in. And then all of a sudden on like a Tuesday, they emailed me and they're like, Hey, we see that you live in Michigan, and we're looking for someone, you know, that lives in Michigan for for this role that we've kind of created, and it just kind of went from there.

SPEAKER_01

That's amazing.

SPEAKER_00

Yeah.

SPEAKER_01

Just randomly looked and yeah.

SPEAKER_00

Yeah, right.

SPEAKER_01

And it's a brand new role.

SPEAKER_00

Yeah, so it's a role they added, and uh really, I think, is because there is a really, really strong presence of a lawyer in Michigan. Um, I think a loya is like one of, or excuse me, Michigan's one of like the top states for a loya, actually. And um uh the person who was the consultant for Michigan, her name's Leah. Um, I think she just had a lot on her plate. So what they did was is I think with my my role, um, they gave me and my department credit unions in Michigan, and then I have some in Indiana that are 50 million and below asset size.

SPEAKER_01

So you get the small ones.

SPEAKER_00

Yeah, yep. Yeah. So they're yeah, I have um I have 80 credit unions, and it's pretty much half Michigan, half Indiana.

SPEAKER_01

Oh my gosh.

unknown

Yeah.

SPEAKER_01

How do you uh that's I can barely handle my own stuff at one credit union, let alone like 80 different when you started out, did you plan to be in credit unions, or were you like most of us that just kind of like, oh, here I am, might as well be here.

SPEAKER_00

Yeah, I kind of just uh went, I was looking for a job, and at the time, adventure at that time was option one because they did a name change in June of 2016, I think it was. So a friend of mine worked at option one, and they were like, Hey, you should, you know, look into working here at the credit union. It's a really good place. And uh I applied and started as a teller. So I think my credit union journey is very similar to a lot of different people.

SPEAKER_01

Yeah, we had one of those two. Hey, I need another job.

unknown

Yeah.

SPEAKER_01

Well, here we are eight years later.

SPEAKER_00

Exactly.

SPEAKER_01

Somehow we're here. Um, and so adventure was kind of your your the only one that you were at.

SPEAKER_00

Yeah.

SPEAKER_01

What roles did you have in there? How did you kind of navigate through it?

SPEAKER_00

So I when I first was tired, I was a teller and then I I was in the our contact center just for a little bit. And then kind of I want to say maybe three years, four years into being a teller, they opened up what's called now their member solutions associate position. But when it first started, the interesting thing is, is we actually adventure used to have a branch downtown right across the street from from Van Andel Arena in Grand Rapids. Okay. And at the time there was a lot of talk about technology and ITMs and all of that. And that was kind of like their test branch. So they hired like that first group, and then I was in the second group to go through. Um I was a MSA from oh gosh, it was probably spring of 2017 until I ended up in card services, which was in July of 2020. So I started in card services like right kind of when, or not right when, but after everything with the with the pandemic.

SPEAKER_01

So you were in member services up until so you did the pandemic through the pandemic, or at least like the first half of it in member services.

SPEAKER_00

Exactly. Yeah. So I was um I was at our Kentwood branch in March of 2020 when everything shut down. And it's really weird because the past couple of days, that whole part of, you know, everyone's history has come up for whatever reason. And everyone was just like, yeah, it was just crazy for everybody. And even for us, I remember they kind of closed a bunch of the branches down and reassigned people.

SPEAKER_01

Yep. We did too.

SPEAKER_00

Yeah, see, yeah. And I was at our corporate office for seven weeks. It was it was just kind of a crazy time, but you know, then you you didn't really know what was gonna happen, and there was always, you know, a new report with everything every day. So I everyone did as well as they could during that time.

SPEAKER_01

I remember I was member facing one day a week, and the rest I was like in our mortgage department, but I kind of floated to like back them up. And explaining how you work in a credit union on a teleline during a pandemic is very hard to do, especially for people who've never been in the industry because it's like exactly like you think you're busy. Let me tell you about stimulus check day and like how I got a 15-minute lunch and like three hours of overtime. Like it's it's interesting. Do you miss the member service side of it?

SPEAKER_00

Or do you feel like I would say yes, yes, and no, being like in card services and then virtual solutions at Adventure, you definitely got the member service side of it, but more on the technology side. So, like a lot of our conversations were phone, email, and chat or text for that matter.

SPEAKER_01

And then how did you get started in fuel? You were in it the last two years.

SPEAKER_00

Yeah, at least. I kind of, but like I would say probably prior to the two years, I asked my supervisor at the time, I was like, hey, is there are there any like, you know, events or conferences or you know, something I could go to and just kind of, you know, network and meet with people or you know, any anything like that. And kind of, you know, fuel was kind of mentioned around the credit union, but it wasn't like as big, I guess, or as known as it is as it is now, like statewide. Yeah, two years ago, I got involved with it and uh had our you know, our first uh statewide meeting at MGM, just kind of asking, like, hey, is there anything that I can be involved with or in or networking?

SPEAKER_01

I think it's wild that there's a few, like Ann Ditlow, Hugh, me, and a few others, like our first it was 2024. So, like a fair amount of people that I've talked to, like a 2024 apparently was a good year for us. I would agree. We all just showed up on it. I I'm not in fuel this year, and as sad as I am, I'm super grateful for it and I'm really glad to see like other people do it. Will you be there for a loya or so?

SPEAKER_00

Yeah, I um I should be at most of the Michigan events this year with a loya. But it ties in great because it's like even if I were still in fuel, I would have still gone to most of the you know the big events with your cues and and ace and all of that. Um and it's really nice too because Ace this year is in is in Grand Rapids again, which I'm really looking forward to.

SPEAKER_01

I'm so excited.

SPEAKER_00

Or in my backyard, it's great.

SPEAKER_01

You don't have to worry about the hotel, you just can just go and do whatever and love that. I I saw that they were coming back this year, and I'll be there not as a fuel, but as the podcaster person, which will be weird. Um, and I'm I'm glad to see that it's coming back because I don't want to go out to Travis City again.

SPEAKER_00

Yeah, that yeah, uh Travers City will I here's what I will say. Um, yeah, the drive is a little bit longer to Traverse City, but I'm really glad that my first year at Ace was in Traverse City. And the reason is is because I just got to get away and kind of experience everything. And, you know, I feel like with it being in Grand Rapids, if it would have been in Grand Rapids the first time I was in Ace, I feel like I would have wanted to, you know, check into work more or something like that. And being in Traverse City, it was just your own, you know, however many days kind of to yourself, which was which was brilliant.

SPEAKER_01

I like that. That makes sense. I didn't see it that way. I saw it more of like, I've been up to Travis City so many times, but that's just me.

SPEAKER_00

Like I've been there, done that.

SPEAKER_01

Literally. I was I remember being so nerve-wracking, and then they assigned you and I to be bingo together. And I remember being down in the convention hall and you're just talking to everybody, and I was just like, he's so outgoing, and I'm so not. And I was like, they did this on purpose to me.

unknown

Yeah.

SPEAKER_01

And I'm grateful they did because I remember specifically asking you, and I don't know if you remember this, but I it's been in my head for the last few years. I'm like, How are you comfortable just talking to everybody? And you're like, because I don't care what they think. And I was just like mind blown. Yeah.

SPEAKER_00

Talk to everybody for sure.

SPEAKER_01

Like, I just you just and I'm just like, all right, cool, let's go. That's just we're gonna get this being a little bit more. I've gotten a little more outgoing, and that's thanks to you. So thank you.

SPEAKER_00

You're welcome, not a problem.

SPEAKER_01

What was your favorite thing about fuel now that you're away from it and can look back at it?

SPEAKER_00

So there's kind of a couple things with fuel. I think overall, the best thing about fuel definitely was just meeting people like from all over the state, and even just, you know, kind of building relationships with people that you normally wouldn't necessarily talk to, or you know, if if they weren't at your credit union or, you know, not in your department, you wouldn't necessarily talk to someone. But it's really nice to, you know, still keep in contact with like you. And um, I'll talk to like Eloisa every so often. I'll talk to Jacob Herman, he's at Frankenmooth, I'll talk to uh Jesse down at Consumers every so often. So it's really nice to still have uh, you know, kind of a group of people that I'll check in with just to say, hey, how are you? And you know, all of that. Um, and I think the other great thing is is that with fuel cues and the Michigan Credit Union League kind of letting that organization with the fuel organization being part of their events. I think if it was just a fuel thing kind of on its own, it wouldn't have the level of, I don't know what the word would be, just kind of like that level of recognition, if you will, that that it does have. And it really, I think, has done a lot of great things for a lot of younger people for sure.

SPEAKER_01

Yeah, they're officially a sponsor of the collaborative. Like they're my one sponsor this year. I gotta say, that's really great. It's like, yay, thank you guys. I don't think I would have thought to talk to half the people that I've talked to.

SPEAKER_00

Right.

SPEAKER_01

If it wasn't for fuel, if I wasn't sitting next to the medic conference randomly or fuel hadn't paired them up with me or any of that. Like I and that's coming from somebody who's very in their shelf.

SPEAKER_00

The other kind of crazy thing is going back to kind of the whole like adventure to a loya thing, if you will, is so I last year, was it last year? Yeah, it was last year at Q's, I met Leah, who I mentioned earlier. She's super awesome. I've met her. She's great. Oh, yeah, she's awesome.

SPEAKER_01

Love her.

SPEAKER_00

And I met her last year. So when I interviewed with Aloya, my last interview was with Leah. So that kind of like was full circle, which was kind of crazy to me.

SPEAKER_01

And you are already kind of built that relationship from seeing her around and that gave you Exactly. Look at look at you, you get better jobs this way.

SPEAKER_00

Right?

SPEAKER_01

I think it's just amazing that you're like, Oh, I feel like checking this out, and there you go.

SPEAKER_00

Yeah, it was just out of literally out of a conversation, out of the blue. That's how it happened.

SPEAKER_01

And they say that too. I remember, was it It was last year because now well now it's 2026, so two years ago now. Kyle Grinsky saying that too, like how he became Philo CEO is like just networking and people calling you. And I I am I'm still trying to get used to that. I'm still trying to get used to the fact that there is a network of people that I can talk to now.

SPEAKER_00

Well, and I think it's cool too, even with um, you know, not being in the fuel, being in the fuel program when I was, there's always like one person will email a question about whatever, and then it's just a chain reaction of everyone, like it's almost, you know, like within minutes, which is crazy that you can get an answer about something that you're either, you know, doing at your credit union or looking into doing or or something that we did that at our district meetings, even we do all of our stuff on the agenda, and then oh hey, we still have this room for a half hour.

SPEAKER_01

Does anybody is anybody facing any difficulties or have any questions that you want to get input on? And I that to me, the collaboration is one of the things I always go back to. It's like how willingly we collaborate and how I've actually had dreams about it. I mean, granted, I've had a lot of weird dreams the last couple of weeks because of pain medicine, but I've recently had a dream about it and I woke up like, why am I thinking about my work collaborating with it?

SPEAKER_00

Right, yeah.

SPEAKER_01

I will say it was dreams.

SPEAKER_00

It was really nice in October. I went to the economic summit in Ypsilani, and it was really nice to see the fuel group there and see a lot of people that I knew.

SPEAKER_01

I wanted to go to that so bad, but I didn't get a chance to.

SPEAKER_00

It's really good. There's a lot of really good uh presenters and a lot of good information. And even if you're not like, you know, into the econ side or not a super, you know, like math person or numbers person, it's very interesting to listen to everyone and kind of what they're presenting on and what they talk about.

SPEAKER_01

See, I'm not a great math person, but I like economics. Like I like learning about it, but I don't follow it like hardcore in depth. But like if you sit here and talk about it, I'll be like, yes.

SPEAKER_00

You'll be very interested.

SPEAKER_01

Oh, yeah, 100%. I was I was that kid in high school too. Like I just I want to learn about it. So with a lawyer, do you travel for that? Are you just at home or how does it work?

SPEAKER_00

Yeah. Um so a lawyer. So the crazy thing about a lawyer is we have employees in every state except for I want to say three in the United States. So we have people all over the place. Yeah, there's a lot of people actually, yeah. There's actually a lot of uh there's a good amount of people in Michigan, maybe I want to say maybe like 15 people. So yeah, I definitely, you know, work at home, but I do get to travel to events. And then in January, I was in Albany. So we have an office in Albany, New York, and then our headquarters is in Naperville, Illinois. So I'll eventually go to Naperville um in the spring.

SPEAKER_01

Oh my gosh. So you get to kind of go all over the place and see people. And what's your favorite part about it so far?

SPEAKER_00

Definitely just kind of seeing like some some different places. I had been to New York City once, but now I've been to the state of New York to Albany twice. Once uh, when I hit my 30 days, I went out there for the week. And then every year, every department gets together. And usually you're either in Albany or in Naperville, and we all went to Albany the first full week of January. So, like my whole department was there, which was nice to see everybody. And I have, yeah, I have so my co-workers, so my department, there's five of us. I have a co-worker in New York, just outside of in the Albany area. My boss actually lives in New Jersey. One of my co-workers is in Minnesota, and then my other work, my other coworker is in Metro Detroit.

SPEAKER_01

At least you guys are all connected. Like you're only spread over two time zones instead of four.

SPEAKER_00

Exactly.

SPEAKER_01

Because I was about to say, how does that work?

SPEAKER_00

Yeah.

SPEAKER_01

Because like our court has central time and it throws me off. So I would not having to coordinate with multiple people. Maybe I'm just simple-minded. I don't know.

SPEAKER_00

We'll see. No, it it works well because of everyone kind of being all over the country. And at least in my department, my co-worker that's out in Minnesota, she just comes in an hour late and just works her nor her normal schedule because she's in central time, not in eastern time.

SPEAKER_01

So that makes sense. So she's just see, I would love that. I've if I've learned anything the past couple of weeks, is I'd be a really good third shifter. Right. Yeah, right. So I need I need Harbor Light to come up with something for me to work from 11 p.m. to 7 a.m. and I'd be golden.

SPEAKER_00

Overnight, just do every all the processing, everything.

SPEAKER_01

Literally, I would do all of our processing, all of our compliance stuff overnight. It'd be great. I've learned that my internal clock, it's a night owl, which is why I took yesterday off to sleep all day.

SPEAKER_00

I just want to stay up at night and do everything and I'll be super productive.

SPEAKER_01

I I realize I have. And trying to get yourself back into the habit of not doing that, it's very difficult. Yeah. Okay. I don't know. I don't I don't know. Any other questions other than what does it look like? What's a day in the life, or other things that you've learned that you want to share with us, or I don't know, what kind of unit to kind of like it.

SPEAKER_00

Yeah, so for at least for my day-to-day, it kind of varies. And the reason I say that is because part of our job is also to kind of cover our our um member services. So like our contact center. So during the day we log into their phone queue for an hour, like when they're at lunch. And then um we kind of have our own times throughout the day where we have to cover. So like my coverage time is always like the last hour of my day. And then the rest of the time is basically, you know, keeping up on emails, meeting with your credit unions, setting appointments, you know, reaching out to them. Um, like, you know, if for some reason we have like a CD special or or something like that. So like take, for example, next week I'm meeting with four of my credit unions all virtually. And those are typically around a half hour, but they can be quicker or longer, just depending on whatever the whatever the credit union, whatever they need or what they want, or whatever they want to talk about.

SPEAKER_01

So you literally answer a call like customer service calls sometimes. That's pretty cool.

SPEAKER_00

Yeah. You would be correct on it.

SPEAKER_01

It's all about teamwork.

SPEAKER_00

It is, yeah. And the nice thing is is so like when a credit union calls and we pull them up in our system, we can kind of see, you know, when they called last or what's, you know, kind of being worked on, or if they're, you know, opening up a new like product or service with us, which is super that's super helpful.

SPEAKER_01

And there's a lawyer, a lawyer of credit unions, right?

SPEAKER_00

Yes, yeah.

SPEAKER_01

I don't know much about a lawyer. I know that we use a lawyer, but I don't know any of the bare minimum of a lawyer.

SPEAKER_00

Yeah, yep. We're just uh we just service credit unions. Um yeah. A lot of credit unions, I mean, you know, process anything from gosh, uh ACH to wires to payroll, you name it, you know, cash orders, all of that. So there's a lot of different things that a lawyer provides to to credit unions. It can be, you know, one or two things or it can be, you know, anything and everything, which is really Yeah.

SPEAKER_01

I think I think we cash I know that's how we do our wires. Mostly because when we give somebody a piece of paper of how to wire in, it always confuses them because it has to go to a lawyer and then us, and we're like, Yeah, but you want it to go to a lawyer first.

SPEAKER_00

Exactly.

SPEAKER_01

You want it to go to a lawyer. Like it's very confusing. And and like I said, I only know just that we use them. And I know I've talked to Leah a few times and I've been at the booth, but I don't I'm not the vendor person because I don't even sit in operations anymore, so I don't even know how it works at the time. I just show up and I'm like, hey guys, here to audit you. Do I know what you're doing? No, absolutely not. That's okay. That's great. Um besides the collaboration, what other things do you like about credit unions?

SPEAKER_00

I think that it's just really nice to be able to even like going to like an event and you're gonna see a ton of people that you know, whether you've had an in-depth conversation with them or you've just seen them out and about, maybe at like a chapter gathering or something like that. It's nice to know that you can literally just strike up, strike up a conversation with almost everybody. I mean, I've never really run into anyone that's not wanted to just talk or chat or whatever. And it, you know, and it can be on the credit union side, it can be on the vendor side. It kind of goes both ways.

SPEAKER_01

Vendors are bless anybody who's a vendor because you all are the most outgoing people, and like it gives me hives thinking of having to talk to all of those people in one day. Like I come home from ACE and I crash for like five days. I love it. It's the best thing ever, and I love getting out there and talking to it, but I could never do it on the scale that vendor does.

SPEAKER_00

I was gonna say, speaking of ACE, the the credit union league does a really, really, really good job with everything. And like you said, it's definitely like overload, but it's a good type of overload.

SPEAKER_01

Yeah, I I find myself in my hotel room at the end of every night in like complete silence of like just but it's the best kind of overload and the vendor halls, I I think that's my favorite part, honestly, other than like the breakout sessions and the networking. But I like the vendor halls, not just because you get free stuff, but I get to talk to vendors and practice being a little bit more outgoing and making connections with people outside of just straight credit unions. And then it's also very entertaining to see the people who are just there for like the free things, because last year I literally watched a lady take a bag and like arm swipe across the table into a bag, and I was just like, My gosh, that's crazy. And she just kept walking, and I was like, I just want a pen. Like, and then I realized I realized we were doing Secret Santa, and I got our CEO, which is very nerve-wracking. And I got him like a notebook pen holder thing, and I was like, I'll give him a pen. And I looked through every single unused pen and they were all vendor pens, and I was like, I have a problem. Oh my gosh. I have a vendor, bro. I have like 20 vendor pens, and I was like, Oh, do you want to take me pens?

SPEAKER_00

You can pick up all kinds of things that during the vendor holidays for sure. I mean, everyone's got it. Anything and everything you can need. The best thing is like when you go past a vendor booth and they have like tide pens and stuff like that, you're like, all right.

SPEAKER_01

Oh, I haven't got a tide pen in years. Love that. I got um, I forgot who the vendor is. Was last year. They were giving out little bottles of whiskey. And I went back with my coworker Andrea and he was out. But he had a bottle of wet wine that he had won the night before at Quicksur Cause. He's like, I'm not gonna drink it. Do you want it? Yes. Yes, I want it. It's the best Sender gift ever. Like, thanks for the bottle of wine. I've got a pizza cutter and student choice. That's right. It's just random things that you get there.

SPEAKER_00

I know. And then you're like, when am I gonna use this? And then all of a sudden, however, you know, whenever a couple months, you're like, oh yeah, I got this at a conference or something. And you're like, oh yeah, then it, you know, then you have all good memories from all of that.

SPEAKER_01

My niece came to my niece, does we do girls' night every few months at my house where we like spend the night, we blow up an air mattress in the Librium, we watch movies, we stay up all night, we make pancakes, all that. But she likes to doodle and she's 10. And so I have a stash of like random notebooks in the conferences. And can I doodle? Yeah, just go get one of the I I call it the conference notebooks. And she knows exactly where they're at, and she just goes and grabs one. And I'm like, thanks, guys. Not taking up my work notebooks, and you can just you can take it with you. She's got like five conference notebooks in her house now from me that she's stolen. I'm like, you can take them because I've got like 20 more kids. The same question that I I've always asked everybody is, you know, is there a moment of why do you do it? I know it kind of looks a little different because you're no longer in like you're at a lawyer, you're no longer like in the credit union member facing. But in in either way, whether at a lawyer or a venture, is there been a moment or two that really has just kind of defined it and like this is why I love this industry or this is why I love what I do, or anything like that. Do you have one of those moments?

SPEAKER_00

I think honestly, it really goes back to the people and the collaboration and how even if it don't matter if you're at an actual credit union, if you will, or if you're at a vendorslash, you know, partner, I think a lot of it goes back to just people helping people and wanting to be there for people, whether it be, you know, you're your front line or you're supporting another credit union with something that they need help with. I think a lot of it goes back to that and being collaborative and just honestly building relationships with people and doing as much as doing, you know, with what you have.

SPEAKER_01

I like it. People helping people is it's something that has been at the forefront of my mind in general the last couple of years because of fuel and because of all of that. It's very true.

SPEAKER_00

And I love it. You just want and you just want people to know that, like, hey, you know, you just kind of be yourself, your authentic self, and just, you know, if you need something or want to talk about something, whether it's related to your credit union or something else, or whatever you, you know, you want to talk about, it's always nice that you have that option to, you know, talk with whoever, or be on a podcast, see?

SPEAKER_01

Or Snapchat people. It's all good. We're fun. Thank you for being around for my wacky Snapchats while I've been on pain meds.

SPEAKER_00

You're welcome, no problem. Um I'm definitely looking forward to seeing a lot of people next month at Q's in Detroit. That'll be really, really great to see some uh familiar faces.

SPEAKER_01

I'm so excited for you. A little FOMO, but really excited. I know Eloisa will be there. I know Andrea, I know a lot of people will be there, so that'll be fun. I do like that thirl is taking more of a a center stage, I guess, at it this year. That'll be interesting.

SPEAKER_00

That's great. That's awesome. I I hope I hope the fuel program keeps growing and it just keeps doing great things because I think for a lot of people it's it's done just you know a lot of great things for for everyone. And in the state, too.

SPEAKER_01

Yeah, I 100% agree with that. See, well, thank you for joining me.

SPEAKER_00

Thanks again, Camille. This was really fun. I really enjoyed it. If you uh you know ever do another podcast or if you ever do like a like a panel of a podcast or something, definitely let me know.

SPEAKER_01

That's a good idea.

SPEAKER_00

That'd be fun.

SPEAKER_01

We'll let you know on that. That might be season two. I have to figure out when my first season ends. I like that. That's a good idea. That'd be really fun. I'll keep it in mind.

SPEAKER_00

All right, sounds good.

SPEAKER_01

All right, have a good Friday.

SPEAKER_00

You too. Have a good Friday night and a great weekend, okay?

SPEAKER_01

You too.

SPEAKER_00

All right, talk to you later.

SPEAKER_01

Bye.

SPEAKER_00

All right, bye.