Second Breakfast Podcast
Fun and educational for anyone. Reaching out to people to help them in situations or so others can relate and know they are not alone in certain situations.
Second Breakfast Podcast
Episode 12: Finances
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talk about finances and the importance of saving
My apologies, ladies and gentlemen. Welcome to another episode of Second Breakfast Podcast with your host Habito. As I was saying, I very greatly apologize. This week has been so chaotic. I was supposed to do this Wednesday as per usual, but I was extremely stressed this week. But now I'm fine and I'm good. So we're doing it today, but everything is gonna be based on Wednesdays as per usual. I figured out what I was missing. I was missing the what-if scenarios, I believe. Anyways, um yeah, so the it shouldn't happen again. Uh we're talking for March 18th, 2026. Almost done with this month. Crazy. This month went by pretty fast. But anyways, the apologies have been said. Let's get on with this.
SPEAKER_01And let's start with let me I did a I did a little thing, it's a little out of order, so now I gotta freaking find it.
SPEAKER_00So it's gonna be a little bit of long pauses, but that's okay. Alright, here we go. March 18th. What was the national holiday? It was the national day. It was Sloppy Joe Day. Get those sandwiches, make a mess. I haven't had Sloppy Joe in a long long time. I don't remember the last time I ever had Sloppy Joe's.
SPEAKER_01But nonetheless, that was that. So I hope you had your Sloppy Joe's.
SPEAKER_00On this day and on I can't really say this day, we're talking about the past now. On March 18th, 1990, the largest art theft at Isabella Stewart Gardner Museum took place. Why it's so significant? It unprecedented scale and value. Two men dressed as police officers tricked their way into after midnight, overpowered and tied up to hold on. Overpowered and tied up the two night security guards and spent 81 minutes looting the museum. They stole 13 irreplaceable works valued at around 200 million in 1990. Today it would estimate probably over 500 million. Uh the stolen masterpieces included some of the rarest and most culturally important pieces in existence. Uh Joanne's Joanne Verm Vermeer's uh The Concert uh Circuit 1664, the one and only about thirty-four thirty-seven known v uh of her paintings in the world. Uh I'm butchering these damn names, so I'm only gonna say one more. Rembrandt von Rajens or Ringe, whatever, Christ in the Storm of the Sea of Galilee, 1633, his only known seascape. Uh as of March 2026, the it the case has still been unsolved. So it's been 36 years since it's been happening. Uh no arrests have been made, and none of the artworks have been recovered despite active FBI investigation, a 10 million reward, the largest ever offered by a private institution. Uh global scrutiny, books, podcasts, a Netflix documentary, and countless leads tied to organized crime, Boston Irish mob, and other theories, or including them. The FBI has identified likely perpetrators in the past, but the but the trail has gone cold multiple times. And might as well just give up at this point. Why bother hunting down for that long unless it's really necessary? I mean, it's fucking art, people. Anyways, uh, let's go down to the next one. Give me a second. Weekly wacky news. I didn't get any like true wacky news, but here's some news here. Uh severe flooding and dam failure risk in Hawaii. Uh heavy rains from a kona storm caused widespread flooding. Um they had an evacuation order for over 4,000 people in the areas north of Honolulu. Uh officials warned that a 120-year-old dam could fail, leading to emergency measures and highlighting ongoing extreme weather impacts in the on the it says in the island, but I don't like it on the island. Uh historic blizzard and multi fasted I can't read today, storms system across the Midwest and beyond. Dude, I don't even want to care about that. The Midwest has seen a lot of wind. Apparently, it snowed, it got hot. I think they experienced the typical Midwest season and just experienced all four seasons together. Uh the White House unveils a national AI legislative framework. Uh, the administration released a proposed outline for Congress to address to address artificial intelligence concerns, including regulation, safety, and innovation guidelines. This marks the key step in shaping U.S. policy on emerging tech amid rapid AI advancements. And that's really all I care to discuss with that. Uh fun fact for today or Wednesday, whatever you want to do, uh, until 1948, 7Up, the drink 7up, which I think is now relabeled as starry. I'm not sure. There's no longer 7up anywhere. Anyways, it used to contain up until 1948, it used to contain lithium, a powerful antidepressant. So just think. You film depressed and shit, you don't have to go to the doctor, get heavily medicated with expensive shit. Just take a seven up and you're good. Lithium is a powerful antidepressant. So if you can get lithium real easily, you don't gotta buy the drugs. Just take some lithium.
SPEAKER_01Alrighty, let's scroll my little notes. I'm probably not gonna do this because it's so fucking stupid.
SPEAKER_00I'm not gonna do the what if because it it it's not it's like the dumbest shit in the world. Anyways, let's let's I'm I'm gonna skip over the I'm gonna skip over the what-if scenarios and I'm I'm gonna go research some what if scenarios and do it myself instead of just researching at the last second, just picking one. Uh I'll give you some myth versus facts now. Uh myth one. Witches were burned at the stake during the Salem witch trials. Facts. Uh no one was actually burned at the stake in Salem or in any English colonial witch trials in America. The twenty people executed between 1692 and 1693 were hanged, 19 of them, and one man, Giles Corey, was pressed to death with stones for refusing to enter a plea. Burning at the stake was more common in uh continental Europe during early earlier witch hunts, but the English colonies used hanging. The trials were still horrific and involved mass hysteria, false accusations, and spectral evidence. But the method of execution is a frequent mix-up with European history. Uh myth number two. The US Oh, we already we already said that one. That's why I wanna that's why I want to do that stupid shit myself. Instead of just popping up. Myth number three slavery was only a southern institution in early America. Here's the fact. Slavery existed in all 13 original colonies and persisted in northern states long after the revolution. But by the late 1600s, enslaved people my computer batteries going low, but I don't know where the fuck my charger's at, so we're going around with it. Anyways, uh by the late 1600s, enslaved people were part of the economy in places like New York, where they made up about 20% of the population and helped build much of the city. New Jersey, Pennsylvania, and even New England. Northern states gradually abolished it. New York in 1827, New Jersey even later with apprenticeships that delayed full freedom. But slavery wasn't strictly regional until the 19th century deepened the divide. The North profited hugely from the slave trade, rum, tobacco, and provisioning Southern Caribbean plantations too.
SPEAKER_01Uh what else?
SPEAKER_00I'm not really big on this one, because I don't never really cared to research more about it. But here's a conspiracy for you today. Paul McCartney died in 1966 and was replaced. Now, personally, I'm not really following because Lord have mercy, the internet will have you believe anything, and I'm not gonna jump on that bandwagon of people who believe the internet, Facebook, anything, whatever, is the truth and nothing but the truth, because uh sorry to burst your bubble, but it's not. Oh man, it is again, I said it's been a long week. And duly note, people, this is for everyone that's listening. If you are not comfortable driving in any weather other than sunny, get the fuck off the road or have someone drive you that is comfortable with it. I have drove in anything but sunny weather recently. And it it's it's fucking crazy on just how stupid people are. It's it amazes me. It's like do they just let people pass the fucking driving test just because they feel bad? Or is it because they're throwing money at them? I don't know, but dude, make the test fucking harder. It is dumb.
SPEAKER_01Our main subject today is finances.
SPEAKER_00I have uh what I'm gonna talk about with finances, it hopefully it can help you. Let me put that over. So what I'm going to discuss with finances, because you can do a lot. The best thing in the world to do, and also the hardest thing to do is save. But this is what I can do for you. I adopted this from old friends that I really need to get back in contact with, honestly. Which I probably will in the next week or so. Uh, anyways. Um, the best thing I can say is write down everything you're paying on. I I use a spreadsheet. So what I do is after taxes and everything, write down what your monthly income is. And then write down every single thing that you're paying on from rent or if you own a home, that payment, car payment, insurance, uh fucking streaming services, whatever have you.
SPEAKER_01Write it all down.
SPEAKER_00Add all that up, and if it is bigger than what your income is, if you're living alone, cancel the shit that you don't need. If you still have money left over, that's cool. Try to save that money as best as you can. So, like what I do, and I'm not gonna show this, of course, but what I do is I did that. I I I write down what I make, and then I have my list of my debts, my loans, all the fun stuff that you know everyone has mostly. All the the middle class and lower class people have, and then I have I separate it in the two. I have what I have free each week, and then I have what I have uh free each month. So say like I make a thousand dollars a month, that'd be low as fuck. But let's let's just make it easy. I make a thousand bucks a month altogether. I have I have four hundred dollars uh to pay, you know, each each month. So you're looking at six hundred dollars a month. So you have six hundred dollars free. Divide that by four, roughly. You get 150 bucks a week free that you can do whatever you want to. My advice, save half of what you get each week. So you get the 150, about 75 bucks, you put in your savings account. The other 75, do whatever the fuck you want, do with it, and keep doing that. That'll that'll keep you that'll keep you savings, and you can do whatever that is a uh a thing that I adopted from old friends. Now what they did was slightly different. They would they would uh they would base it on a weekly basis because uh my old friend's job is a weekly pay. And uh what they would do is like, okay, so we have this much money a week. Any bills this week? Okay, subtract that from what we have. Now we have like 50 bucks left. We can't go out this week. We can't do this this week. Oh, well, we got no bills this week, so let's save this for next week bills, and then the rest of the bills, or then the rest of the money we can spend do whatever. You know, it it's it's all right to do on a weekly basis. It really depends on if your bills fall on the same date or this like every third Monday of the month, whatever have you. It it's good to do that. It really depends on your financial standpoint in the world. So that's the best I can come up with on that with finances, is or is just write it down. Keep track of what you're spending. Because I'm not saying keep it like a little book or something. I'm just like just keep track on what your bills are and everything and what you have free because you don't want to spend the money like you're making it. I made that I made that bad choice like every other kid does. It's like, oh man, I'm making this money, well I'm gonna spend it, and then before you know it, life hits you and you're fucked because you don't know how to save money. Uh my advice for uh the teenagers that are listening to this, hopefully, get a job, part-time, full-time, whatever you want to do. Well, you can't really do full-time because you're uh you're in school. But my advice is save, save until you're out of your parents' house. And then you can either, depending on how much you get, which you'd be able to have a lot. So if I were you, I started a job at 16. It sucks because you can't do much but save. And then when you're out of your parents' house, or when you graduate high school, depending on how much you have, you can either use all that to party, to travel, to do this and that, or you can you can split it in half. Half of it goes to a new car or a house, half of it goes to life, and then the other half goes to partying, travel, whatever you want to fucking do with it. But if I were you, it really depends on you as a person and what you want to do. If you want to go and travel, save, save until you're you're an adult, save until you can get your own apartment at least, and go travel. Or be like, hey mom, dad, I'm gonna go travel for a while. When I come back, I'll move out and do this and that. Or if you rather just start life right away, either just working or get a career going or whatever, save. You you use that for school if you go to college. I wouldn't recommend it, but if you do do that, or you know, just go buy a house with it, put it down on a house or a new car, put half of it on a house and and half on a new car. Just don't be stupid with it because you'll fuck yourself up. I mean, look at me. I made some really terrible life choices, and most of it's financial. I'm fucked. And I'm not doing this for money, I'm doing this for fun and to teach people and uh hopefully prevent stupid shit like I did. That dog is barking like crazy. Don't mind the rappers, I'm just putting that in on my bed. But yeah, so that's it. Um next week we will be back on track on Wednesdays, and that's gonna be it. Uh we are going to talk about why.
SPEAKER_01The main subject next week is reading.
SPEAKER_00Uh I really don't know where I was gonna go with that. If I had to guess, it would be why reading's important. I'm not sure. But next podcast will be definitely better. I'm just going through the motions this week for sure. It's been stressful, it's been busy, but it should no longer be busy. Um, I may, I may, I may have to switch. No, I can't do that because everything's based on Wednesday. I was gonna say I may have to switch everything to Thursday, but just keep everything for Wednesday, but no, I'm not doing that. So I think Wednesday. I'm gonna I'm gonna switch some personal stuff around. Wednesday will be the day that I do that, and then go from there. Um, but anyways, I hope you guys learned uh some stuff. I hope you guys have a great night, great year, great day, whenever you're listening to this, and a great morning, whatever.
SPEAKER_01But hope you enjoyed.
SPEAKER_00I'll see you tomorrow. Shit, not tomorrow. I'll see you next week on Wednesday, not Thursday, not Friday, not Tuesday, Monday, not the weekends on a Wednesday. Um but yeah, I'm just uh Man, I'm just I'm glad I can relax. I'm glad I can do this. It's been something. But y'all have a good one, and I'll see you next time. Adios amigos.