ATHLLC7557002119

00:00:00.000 | A quick word from our sponsor today.

00:00:01.680 | I love helping you answer all the toughest questions about life, money, and so much

00:00:08.040 | more, but sometimes it's helpful to talk to other people in your situation, which

00:00:12.860 | actually gets harder as you build your wealth.

00:00:14.920 | So I want to introduce you to today's sponsor, LongAngle.

00:00:18.160 | LongAngle is a community of high net worth individuals with backgrounds in

00:00:22.200 | everything from technology, finance, medicine, to real estate, law,

00:00:26.040 | manufacturing, and more.

00:00:27.600 | I'm a member of LongAngle.

00:00:29.480 | I've loved being a part of the community, and I've even had one of the founders,

00:00:33.040 | Tad Fallows, join me on all the hacks in episode 87 to talk about alternative

00:00:37.200 | investments.

00:00:37.920 | Now, the majority of LongAngle members are first generation wealth, young,

00:00:42.240 | highly successful individuals who join the community to share knowledge and learn

00:00:46.400 | from each other in a confidential, unbiased setting.

00:00:49.600 | On top of that, members also get access to some unique private market

00:00:53.920 | investment opportunities.

00:00:55.200 | Like I said, I'm a member and I've gotten so much value from the community

00:00:59.120 | because you're getting advice and feedback from people in a similar

00:01:02.280 | situation to you on everything from your investment portfolio, to your

00:01:06.280 | children's education, to finding a concierge doctor.

00:01:09.240 | So many of these conversations aren't happening anywhere else online.

00:01:13.160 | So if you have more than 2.2 million in investable assets, which is their

00:01:17.440 | minimum for membership, I encourage you to check out LongAngle and it's

00:01:21.440 | totally free to join.

00:01:22.760 | Just go to longangle.com to learn more.

00:01:26.120 | And if you choose to apply, be sure to let them know.

00:01:28.840 | You heard about it here.

00:01:29.960 | Again, that's longangle.com.

00:01:34.640 | Hello, and welcome to another episode of All The Hacks, a show about upgrading

00:01:43.800 | your life, money, and travel all while spending less and saving more.

00:01:47.920 | I'm your host, Chris Hutchins.

00:01:49.760 | And before we get started, I just want to give a shout out to a listener named Jeff.

00:01:53.840 | He emailed me to share that he reached out to the manager of his hotel that he was

00:01:58.040 | about to stay at, just like we talked about in episode one.

00:02:01.040 | And when he checked in, he got upgraded to an executive suite on the top floor of

00:02:04.800 | the hotel. It makes me so happy to hear stories like that.

00:02:08.200 | So if you're putting these hacks to good use, please let me know so I can share it

00:02:12.040 | with everyone else. So today's episode is all about money hacks.

00:02:16.720 | And I'm joined by Lisa Rowan, who's a staff writer in consumer finance at

00:02:20.560 | Forbes. She was previously a staff writer at Lifehacker and before that at the

00:02:24.560 | Penny Hoarder. She runs a top fashion podcast called Pop Fashion.

00:02:28.400 | But more relevant to our conversation is that she's the author of Money Hacks, a

00:02:33.120 | new book that shares over 275 ways to decrease your spending, increase your

00:02:38.200 | savings and make your money work for you.

00:02:40.160 | I couldn't be more excited to talk with someone as passionate about money hacks

00:02:43.920 | as I am. But before we jump in, I'm obliged to let you know.

00:02:48.040 | Chris Hutchins works at Wealthfront.

00:02:50.760 | All opinions expressed by Chris and his guests are solely their own opinions and

00:02:54.560 | do not reflect the opinion of Wealthfront.

00:02:56.440 | This podcast is for informational purposes only and should not be relied upon for

00:03:00.640 | investment decisions.

00:03:01.600 | Lisa, thank you for being here.

00:03:04.360 | I am excited.

00:03:05.400 | Oh, my gosh, thank you so much for having me, Chris.

00:03:08.400 | It is always a thrill to talk to someone else who has hacks in their business name

00:03:13.600 | because it means I know I'm in the right place.

00:03:15.600 | Of course, I got your book and my wife was like, should you just give up?

00:03:19.160 | Someone else already did this.

00:03:21.200 | No, keep doing it.

00:03:23.200 | We need more.

00:03:24.320 | I only have 275 in this book.

00:03:27.440 | There is room for plenty more.

00:03:29.640 | I was actually surprised at the end.

00:03:31.200 | There's 280.

00:03:32.880 | Did you not want to say did you not want to say 280 hacks?

00:03:36.600 | Doesn't really look good on the cover.

00:03:38.720 | And do you know them all by number?

00:03:41.280 | Absolutely not.

00:03:43.160 | I was like, I thought it'd be great.

00:03:44.960 | I just run through and I'd be like, Lisa, talk about number 135 and we just see

00:03:48.760 | what happens.

00:03:50.160 | There was a time when I did when I was going through the process of writing this

00:03:53.760 | book and editing this book where I could rattle off like what number a certain

00:03:57.320 | hack was. But it's been a couple of months since the book came out and all of

00:04:01.120 | that information is no longer essential and it's just dripped out of my brain.

00:04:04.640 | And I've just let it go.

00:04:05.920 | I have to be OK with it leaving my brain.

00:04:08.440 | I think that's fair. And how did you get so obsessed with money hacks yourself?

00:04:12.200 | This is something I sort of fell into and not to say that I my life has not all

00:04:19.520 | been serendipity. Right.

00:04:20.680 | But it was by accident that I got into writing about money because I used to be a

00:04:25.080 | freelance writer and I was taking basically any subject that came along.

00:04:28.400 | And the one thing that kept coming up over and over again happened to be small

00:04:31.720 | business for a couple of years because I owned a very small clothing store back in

00:04:35.920 | Washington, D.C.

00:04:36.920 | And so I was always thinking about small business or running one.

00:04:41.280 | And I kept writing about business, small businesses, small business finances,

00:04:45.800 | surviving as a small business person. And that ended up flowing over to personal

00:04:50.920 | finance when one of the content marketing companies that I was writing for picked up

00:04:55.480 | the penny hoarder as a client.

00:04:56.640 | This was before Penny Hoarder had a staff of several dozen people.

00:05:00.960 | They had one guy and a couple of freelancers who were writing content about all

00:05:06.520 | these weird ways to make and save money.

00:05:08.640 | And I was like, sure, I love to get paid for writing.

00:05:12.320 | I will pick up some personal finance concepts to be able to get paid to write.

00:05:19.160 | Like, I'm game, sure.

00:05:20.600 | And I am not someone who's good at math.

00:05:23.360 | I barely, barely spelled my name right on the math portion of my SAT.

00:05:29.760 | And so I never thought that I could really do personal finance because I just can't

00:05:34.880 | do math. But I always thought, well, oh, I can teach people about it.

00:05:38.440 | As long as I'm not doing the math portion of the class, I can teach people about

00:05:42.040 | it. So I started writing for the penny hoarder eventually so much that I ended up

00:05:46.040 | being a full-time writer with them.

00:05:47.560 | And that really was just like doing a cannonball into the personal finance world,

00:05:52.840 | just learning constantly, picking up tips, learning the to-don'ts that a lot of the

00:05:58.320 | time we don't speak about because there's so much embarrassment and shame around

00:06:03.640 | talking about money sometimes.

00:06:05.120 | And at the same time that I was starting to write more and more and more about

00:06:08.960 | personal finance, I was also realizing that people maybe could learn from all of the

00:06:13.640 | money mistakes I had made in my life.

00:06:15.960 | So I was probably, I was like 28 when I first really started writing about personal

00:06:21.880 | finance. And I was in a whole lot of debt.

00:06:25.160 | I had made a lot of mistakes.

00:06:26.600 | I had had a business that had opened and closed with a bunch of debt.

00:06:29.560 | And so I really felt like, OK, if I'm honest with people that, you know, I am not a

00:06:35.600 | mathematician, I am not, you know, a financial advisor, but I can pick up these

00:06:39.920 | concepts and better my financial life.

00:06:41.880 | Like you can, too.

00:06:43.880 | Anyone can do it.

00:06:44.920 | And so I just like sort of got caught in that wave.

00:06:47.840 | And just even though I've been doing this since 2013, 2014, I still feel like I learn

00:06:55.600 | something new every day.

00:06:56.480 | Wow. All right.

00:06:58.040 | I similarly, I mean, I guess not similarly.

00:07:02.640 | I was the opposite.

00:07:03.680 | I was the do great on your math portion and like fail.

00:07:06.720 | Like the only reason I had a good SAT score was because I did well on math.

00:07:10.920 | The writing section was mine.

00:07:12.960 | We must have like opposite sections of our brain that are like the strong ones, like

00:07:18.040 | put us together and we could conquer the world.

00:07:20.040 | I mean, that's I mean, that's the plan.

00:07:21.400 | That's that's this episode is let's conquer the world, at least at least from from

00:07:25.560 | money hacks perspective right now.

00:07:27.200 | And we'll see where we can take it from there.

00:07:29.280 | So, you know, when I read through this book, I found some hacks that I was like, of

00:07:33.520 | course, I tell people about this all the time.

00:07:35.240 | I found a lot of hacks that I was like, I didn't know that and put them to use.

00:07:38.920 | I thought maybe a good way to run through this, because we're not going to sit here

00:07:43.640 | and read 280 hacks as much as I think that could be interesting.

00:07:46.160 | If you guys want 280 hacks, buy the book and then you can read all 280 hacks.

00:07:50.360 | He's already doing it right.

00:07:52.440 | He's already selling the book.

00:07:53.480 | Good job. Yeah.

00:07:54.120 | I mean, that's the you know, there are some great hacks.

00:07:56.000 | So but I'd love to hear some of your favorites in kind of the sections.

00:08:00.640 | And then I have some thoughts and favorites and other hacks that kind of

00:08:04.400 | complement maybe for edition number two.

00:08:06.480 | And we can just go from there.

00:08:07.920 | OK, so you kick this book off talking about curbing mindless spending, something

00:08:12.760 | that I think covid over the last year has made harder because we're just all

00:08:17.520 | sitting at home. I'm very excited to have more time outside to stop.

00:08:21.640 | Well, I guess stop spending money online and start spending money in the real

00:08:24.880 | world. What are what are some of the hacks here that you think are the most

00:08:29.320 | exciting to talk about right now?

00:08:30.640 | Oh, gosh. And like I if you want to talk about impulse spending during the

00:08:35.040 | pandemic, like just there's just like a target right on my face.

00:08:38.000 | It's like she she is the one who had the delivery guys at her home every day.

00:08:42.800 | But one of the things that I like to think about when it comes to impulse

00:08:47.360 | spending is to think about the long term and the short term at the same time.

00:08:51.520 | So I have a tip. It's hack number forty four in case you want to like open your

00:08:54.800 | muscles to, you know, page forty nine and it's called pay yourself to splurge.

00:09:00.080 | And what I like to think about is if I am thinking about spending money that

00:09:04.760 | maybe I wasn't planning to, maybe I'm browsing in a store, I'm just like

00:09:08.080 | cruising around online because I clicked on a sale advertisement.

00:09:11.200 | I can think about what's in my cart, what the total is and say to myself, well,

00:09:16.120 | can I put the same amount of money in savings right now?

00:09:18.920 | And if I'm going to buy this stuff, will I put the same amount of money in

00:09:23.080 | savings? So like I spent forty four dollars at Ulta the other day online.

00:09:28.880 | The box is sitting next to my desk full of stuff to put on my skin.

00:09:32.800 | I love it. But what I should do that I haven't done yet is put forty four

00:09:37.960 | dollars in my savings account.

00:09:39.240 | And it helps me now because I've got sunscreen on my face.

00:09:43.440 | It helps me later because I've got just a little bit more that's sitting in my

00:09:47.200 | savings account should I need it later.

00:09:48.960 | And so I don't have to worry as much about splurging because I know that I'm

00:09:52.200 | covered on both sides. Right.

00:09:53.560 | I can satisfy the now I can satisfy the later.

00:09:56.200 | I will give the caveat here that it does not work for every every amount.

00:10:04.320 | If you're thinking about splurging on, say, a new Corvette, you may not have

00:10:09.080 | the cash for that and the same amount of cash to put into savings.

00:10:12.160 | But maybe then it is time for a larger reality check.

00:10:15.400 | Maybe that is not going to be an impulse buy or a splurge.

00:10:18.600 | Maybe you should plan ahead to buy the beautiful Corvette.

00:10:20.760 | I think if you're buying a Corvette and you're worried about your savings,

00:10:23.720 | there's there's definitely a bigger problem.

00:10:25.920 | Exactly. Exactly.

00:10:27.960 | But if you're thinking about, oh, should I stop on my way home from work and pick

00:10:31.760 | up some French fries because I really have a French fry craving like, OK,

00:10:35.600 | that's going to cost you maybe five bucks.

00:10:37.200 | Can you also transfer five dollars in your savings while you're sitting in the

00:10:40.840 | drive through line? All the better if you can and if you actually do it.

00:10:44.520 | So I think if you can pay yourself to splurge, it's sort of builds up a defense

00:10:49.160 | to anyone who says to you, like, oh, that impulse buy was a waste of money.

00:10:53.200 | And you're like, whatever.

00:10:54.200 | I handled my business and I'm handling my later business.

00:10:57.640 | I like that. It reminds me of hack 18, which was saving 100 percent,

00:11:02.720 | which is, you know, you see this thing and you're like, this is 40 percent off.

00:11:05.760 | That's a good deal. I should get it.

00:11:07.600 | How do I make sure that I save for the future while I do it?

00:11:10.080 | Why don't you just realize that if you don't buy it, you get to save 100 percent?

00:11:13.640 | And it seems so ridiculous.

00:11:15.560 | But I see myself being one of those people that see something on sale and thinks,

00:11:20.240 | well, I got to get it because it's a good deal.

00:11:21.800 | And then now I just start telling myself and my wife reminds me that if you don't

00:11:25.960 | buy it, you get 100 percent off.

00:11:27.400 | And I'm like, that's an even better deal.

00:11:29.000 | Yes. And it's one of those things where you really have to trick your brain and

00:11:33.520 | just realize that like you're you have like a lizard brain that just wants stuff

00:11:38.760 | and wants and just so longs to exchange money for things.

00:11:42.320 | And you have to rewire your brain to not do that.

00:11:45.040 | I'm a sucker for deals and and I've been using this to rewire my lizard brain.

00:11:51.040 | What what else on spending?

00:11:52.720 | Since I just mentioned that I was shopping online recently, I'll bring up hack 14,

00:11:58.000 | which is don't fall for the free shipping trap, because anyone look, any of us who

00:12:03.680 | might be elder millennials who grew up like learning the Internet as it was

00:12:07.240 | developed, you know, that as online shopping got more and more popular,

00:12:12.880 | these retailers were like, please come shop with us.

00:12:15.080 | We will give you free shipping.

00:12:16.240 | And then they were like, we'll give you free shipping if you spend twenty five

00:12:19.200 | dollars. And then a couple of years later, they're like, we'll give you free

00:12:22.240 | shipping if you spend one hundred seventy five dollars.

00:12:24.880 | And all of a sudden to get free shipping, you feel like you have to spend like way

00:12:31.560 | more than you plan for.

00:12:32.560 | Maybe you went online to buy a specific type of socks and now like you're in the

00:12:36.960 | whole one hundred bucks.

00:12:38.160 | You're buying all these accessories that you don't need and you're like, wait, I

00:12:41.320 | just came here for socks.

00:12:42.880 | So if you've ever started browsing online and you start looking for something to

00:12:47.720 | add to your cart so that you get the free shipping, you need to stop and look at

00:12:52.200 | what's in your cart and say, am I willing to pay seven dollars and ninety five

00:12:56.920 | cents to have the ship to me?

00:12:58.120 | Because if you are, you should just pay for the shipping, because I guarantee you

00:13:03.720 | whatever you find to put in your cart is going to cost more than seven ninety five

00:13:07.200 | and all of a sudden you're going to spend more than you planned.

00:13:10.280 | You're going to just overspend.

00:13:12.880 | The box is going to come and you're going to be like, what the heck did I even like?

00:13:16.040 | Was this all even worth it?

00:13:17.360 | Like, why did I get this extra sock, one sock individually?

00:13:22.120 | I don't know what you guys are shopping for online, but it's so easy to get out of

00:13:27.000 | control when you're shopping online.

00:13:28.520 | And you know that there's like a little prize at the end if you get there, if you

00:13:32.080 | add up your cart to amount to that much.

00:13:34.160 | But that can also just make you overspend and then you blow your budget and you're

00:13:37.240 | not happy.

00:13:38.080 | So my version of this hack is let's say you're shopping online and you're trying

00:13:42.040 | to get shoes and you're like, oh, if I just spent another forty dollars, it's free

00:13:46.200 | shipping and there's free returns.

00:13:47.840 | Don't add another pair of shoes.

00:13:49.680 | You might like add a pair of shoes in size forty five.

00:13:52.760 | Like add, you know, a triple XL like basketball jersey that you're never going to

00:13:58.440 | need because then you definitely will return it.

00:14:00.880 | So don't add one more thing that you may or may not want to return.

00:14:05.000 | Add something you will certainly return.

00:14:07.000 | Obviously, it takes time to drive it to UPS or wherever you have to go to drop it

00:14:10.440 | off and time is worth money.

00:14:12.640 | But, you know, if they offer free returns and you want free shipping and the amount

00:14:17.080 | you'll save is worth it, just get something else.

00:14:19.520 | But ideally something you don't need.

00:14:21.600 | Yeah, and before you do that, make sure even if they say they have free returns,

00:14:26.840 | make sure that it's not going to be really complicated to actually do the return.

00:14:31.600 | Like make sure you'll be able to print a return label at home or you'll be able to

00:14:36.120 | just drop it off at a place that's convenient for you.

00:14:38.280 | Like say they use FedEx, but there's no FedEx office within like 30 miles of your

00:14:42.400 | house. That's not going to make sense for you.

00:14:44.280 | It's just not worth it.

00:14:45.520 | You have to you have to like think the process all the way through before you hit,

00:14:49.840 | you know, purchase on the cart, which we get.

00:14:53.400 | It takes some of the fun out of online shopping.

00:14:55.880 | But if you're thinking smart while you're adding things to your cart, you might make

00:15:00.680 | a better financial decision than you would have expected for yourself.

00:15:04.000 | Yeah, absolutely.

00:15:06.080 | And to wrap up spending, you know, in the last year, I think we've probably all

00:15:11.400 | added at least a few subscriptions to ourselves.

00:15:14.360 | So, you know, talk about hack 20, which is all about stopping these free trials.

00:15:18.720 | And then I think there's a hack right before it about subscriptions.

00:15:21.320 | Y'all really I'm speaking to myself directly in this hack, but y'all really need to

00:15:26.720 | look at your billing statements each month and see all the stuff that you are paying

00:15:30.360 | for. Like why do we all have seven streaming memberships and why do they all cost

00:15:35.320 | $14.99? Like what?

00:15:37.400 | I thought we were supposed to be saving money on this.

00:15:39.200 | My point is there comes a time when you realize that you're getting nickel and dimed

00:15:45.720 | in your budget because you're signed up for all these things that you may not be

00:15:49.040 | utilizing, whether it's a workout membership, either, you know, streaming or in

00:15:54.760 | person. If it's streaming music, streaming video, if it's like an online learning

00:16:00.360 | platform that you haven't used in three or five months, you know, there are all these

00:16:04.120 | things that just like languish and they just leech money out of your budget each month.

00:16:08.280 | So it is worth going through and sort of doing a little audit on all your subscriptions

00:16:12.960 | and going through and saying, what day of the month does it bill me?

00:16:16.400 | How much does it cost and am I using this?

00:16:20.200 | When is the last time I logged in?

00:16:21.520 | When's the last time I actually use this?

00:16:23.200 | And if I haven't logged in recently, is there a legitimate reason?

00:16:27.120 | Maybe it's a seasonal thing and that's fine.

00:16:29.680 | But if you can find two, three, four of those subscriptions that you don't need, you

00:16:34.760 | could be adding twenty, thirty, forty dollars back into your budget each month and you

00:16:39.160 | could be using that for things that make you happier or take the money from canceling

00:16:43.560 | your streaming workout program and then use it to like splurge on one or two group

00:16:49.160 | exercise classes each month.

00:16:50.480 | Now that we're finally emerging from our pandemic cocoons, remember that you have

00:16:54.640 | options with your money.

00:16:55.720 | You don't have to keep a subscription forever just because you signed up for it.

00:16:59.560 | And, you know, canceling might take some calls to customer service, some emails back

00:17:04.520 | and forth. But it's worth it if it means you can get money back into your budget every

00:17:08.240 | month. Yeah, I recently signed up for something that had a 30-day trial.

00:17:12.880 | I forgot to cancel it.

00:17:14.320 | And then I had this bill just lingering and I was trying to figure out how to prevent

00:17:18.720 | this in the future. And now I've switched.

00:17:21.080 | And anytime I sign up for a free trial on anything, I use Privacy.com.

00:17:25.800 | And so at Privacy.com, you can go put in your bank information and they will give you a

00:17:30.960 | virtual card and you can create one for every different vendor and then you can

00:17:35.680 | immediately turn it off.

00:17:36.680 | So if you're thinking, I really want to watch this movie, it's on Showtime.

00:17:40.320 | They have a seven-day free trial.

00:17:42.240 | You sign up, you put in your privacy card number.

00:17:45.000 | Then as soon as you've signed up, you go and cancel the card.

00:17:48.560 | You turn it off. Now, Showtime, instead of having to email them or call them or cancel

00:17:53.560 | your membership, they're going to cancel it for you because the card's not going to

00:17:56.360 | work. And so whenever I'm doing something where I want a subscription for a year and I

00:18:01.880 | can't cancel it, I'll just put in a privacy card number and then turn it off and know

00:18:07.360 | that there's no way that I'm going to get charged again in the future.

00:18:10.480 | That's perfect. It is way more efficient, it's way hackier than my method, which is

00:18:16.880 | when I sign up for a free trial, I'll write a reminder to turn it off like three days

00:18:22.920 | before it actually ends in my paper planner, which is just like, I think that's just

00:18:27.240 | being organized. I don't think that's a hack, you know.

00:18:29.480 | But does it always work?

00:18:30.840 | Because I always put a little calendar invite and then sometimes I just miss the

00:18:34.000 | calendar invite. And so I had to get I had to get a new system.

00:18:37.360 | No, I will live and die by my planner.

00:18:40.280 | So sometimes I double up to I'll put it in my planner and I'll put a reminder on my

00:18:44.280 | phone. So I like I try to make it fail proof, although like, look, things happen.

00:18:49.760 | And, you know, worst case scenario, like there have been times that I've emailed

00:18:53.680 | customer service and been like, look, I messed up.

00:18:56.080 | Can I have my money back?

00:18:57.320 | And sometimes that works and it doesn't hurt to ask.

00:19:00.800 | I do that. I'm like, oh, I meant to cancel this.

00:19:03.440 | I'm really sorry. And most of the time I've been able to get money back and it's

00:19:08.120 | worked pretty well. Yeah, yeah.

00:19:09.840 | It never hurts to ask.

00:19:11.120 | So that's spending.

00:19:12.040 | It seems like with every business, you get to a certain size and the cracks start to

00:19:18.160 | emerge. Things that you used to do in a day are taking a week and you have too many

00:19:22.840 | manual processes and there's no one source of truth.

00:19:25.760 | If this is you, you should know these three numbers.

00:19:28.840 | Thirty seven thousand, twenty five, one.

00:19:32.040 | Thirty seven thousand.

00:19:33.440 | That's the number of businesses which have upgraded to NetSuite by Oracle, and I'm

00:19:37.320 | excited to partner with them for this episode.

00:19:39.320 | NetSuite is the number one cloud financial system, streamlining accounting, financial

00:19:43.880 | management, inventory, HR and more.

00:19:46.600 | Twenty five NetSuite turns twenty five this year.

00:19:49.560 | That's twenty five years of helping businesses do more with less close their books

00:19:54.200 | in days, not weeks and drive down costs.

00:19:57.080 | And one, because your business is one of a kind.

00:20:00.680 | So you get a customized solution for all your KPIs in one efficient system with one

00:20:06.280 | source of truth. Manage risk, get reliable forecasts and improve margins.

00:20:11.040 | Everything you need to grow all in one place, which I can tell you from all the

00:20:15.440 | companies I've run, makes everything so much better.

00:20:18.200 | So right now, download NetSuite's popular KPI checklist designed to give you

00:20:23.480 | consistently excellent performance absolutely free at allthehacks.com/netsuite.

00:20:30.040 | That's allthehacks.com/netsuite to get your own KPI checklist.

00:20:34.760 | allthehacks.com/netsuite, N-E-T-S-U-I-T-E.

00:20:42.240 | There is nothing I love more than learning that something I enjoy is actually so

00:20:46.440 | good for you and nothing showcases that better than Pu-Erh tea.

00:20:49.840 | It has so many health benefits, and I think one of the best and easiest ways to

00:20:53.880 | consume it is from our sponsor today, Peak Tea.

00:20:56.720 | Peak's Pu-Erh teas are all cold extracted using only wild harvested leaves from

00:21:01.840 | two hundred and fifty year old tea trees rich in minerals, theraflavins and

00:21:06.560 | catechins. Then everything is triple toxin screened for pesticides, heavy minerals

00:21:11.880 | and toxic mold commonly found in plants.

00:21:14.400 | And Peak's products are so easy and zero prep because they're all in pre-measured

00:21:19.560 | quantities that dissolve in cold or hot water in seconds and are so travel

00:21:24.400 | friendly. They have so many products, but lately I've been alternating between the

00:21:28.760 | green Pu-Erh for mental clarity and energy and the black Pu-Erh, which helps

00:21:33.320 | kickstart digestion and metabolism with a rich earthy flavor that is so good and

00:21:38.600 | probably one of my favorite things to drink.

00:21:41.000 | And if you need another reason, search for all the amazing research backed

00:21:44.240 | benefits of polyphenols for your gut microbiome, heart, blood sugar and more,

00:21:48.520 | and then be happy that Pu-Erh is more concentrated in polyphenols than all

00:21:52.560 | other teas in the world.

00:21:53.800 | But you don't even have to take my word or do any research because Peak offers

00:21:57.760 | free US shipping, free returns and a money backed guarantee.

00:22:01.160 | And for a limited time, you can get up to 15% off and a free quiver with 12 tea

00:22:06.960 | samples at my link at allthehacks.com/peak.

00:22:10.720 | That's P-I-Q-U-E.

00:22:13.000 | So check them out today at allthehacks.com/peak P-I-Q-U-E.

00:22:18.600 | The number of hacks that I wrote in this next chapter on being a savvy saver was

00:22:24.840 | so many that I feel like we could do a whole episode on this, but I want to hit

00:22:29.520 | on some of the top ones.

00:22:30.680 | But first, what is your kind of one or two always want to make sure people know

00:22:35.760 | from this section?

00:22:37.600 | Okay, I want to make sure that you know about hack number 70, which is pay less

00:22:41.640 | for prescription drugs, which sounds like the most unsexy topic ever, but it's

00:22:46.760 | something that I actually got to put into practice a couple of weeks ago.

00:22:52.040 | And I think in these changing times where like you might have insurance from your

00:22:56.520 | employer, you're doing stuff on the exchange, like it's confusing a lot of the

00:23:00.360 | time to figure out prescription drugs that you need and what you're going to pay out

00:23:05.880 | of pocket for them.

00:23:06.640 | So this is something that really worked for me recently.

00:23:10.120 | I was seeing a doctor and she told me she wanted me to take this particular drug,

00:23:14.720 | but she warned me.

00:23:15.640 | She said for this particular use, it's not covered by insurance.

00:23:18.720 | And I was like, all right, well, like tell me how much it's really going to cost.

00:23:22.360 | Like I can think about, you know, like what this is going to mean for me.

00:23:25.640 | And she said, no, no, I've got a coupon.

00:23:28.640 | And so she text messaged me a coupon from, I think it was a good RX coupon.

00:23:34.800 | There are a couple of different options out there so that I would be able to get a 30

00:23:38.680 | day supply for $30, which to me is way better than a 30 day supply for $85.

00:23:43.880 | So that was really meaningful to me that she was like thinking ahead of like, OK, I

00:23:48.720 | want my patients to be able to have this.

00:23:50.160 | But like, here's she figured out the hack for me basically.

00:23:52.840 | But it got even better when I called the pharmacy because I got that text message

00:23:58.200 | that was like, insurance rejected your, your prescription.

00:24:01.800 | What do you want to do?

00:24:02.880 | And so I called them and I was like, hey, I know this isn't covered, but my doctor

00:24:06.520 | gave me a coupon and they said, oh, I think we have the same coupon.

00:24:09.360 | Hold on. Beep, beep, beep, beep.

00:24:10.960 | Thirty dollars for a 30 day supply.

00:24:14.080 | I was like, look at these heroes working for me so that I don't spend too much money.

00:24:19.240 | There are a lot of times when your doctor or your pharmacist will know of a way to

00:24:24.400 | save money on a drug.

00:24:25.600 | So it's always useful to ask when you're sitting in the doctor's office, you know,

00:24:30.040 | do you have any idea how much this will cost?

00:24:32.400 | Do you know if there are any ways I can save on this?

00:24:34.440 | No one's going to fault you for being cost conscious and worried about your health at

00:24:39.280 | the same time, you know?

00:24:40.360 | No. But if you are not sure, you can check some of the apps.

00:24:45.920 | The one I mentioned is good, our apps.

00:24:47.760 | And so you can do some research online to find out prices at different pharmacies for

00:24:53.200 | the drug that you need.

00:24:54.360 | So maybe you go a little bit out of your way to take it to a pharmacy that you don't

00:24:58.560 | usually use, but you could save a bunch of money.

00:25:00.880 | So it's worth doing a little bit of research before you pick up a prescription.

00:25:05.560 | Granted, if you are feeling really sick and just want to get home, like don't, this

00:25:09.800 | isn't going to matter. Like just get it filled, get whatever you need.

00:25:12.920 | But if it's something where you don't need it, you know, that same day, it's worth

00:25:16.560 | taking 15, 20 minutes, maybe max, to find out how much you can expect to pay and if

00:25:21.360 | you can save anything.

00:25:22.240 | Yeah, and I don't think this just applies to prescriptions.

00:25:25.040 | I've had multiple situations where I asked a doctor, "Hey, if I'm not going to be

00:25:31.000 | able to get this done with insurance, is there a different price?"

00:25:33.400 | And one time I needed these like cortisone injection and they were like, "Well, if we

00:25:39.320 | send it to insurance, it's like $175.

00:25:41.600 | But if you're paying out of pocket, we can do it for $30." And I was like, "$30?"

00:25:45.560 | So now I've gotten in the habit, especially if you're on a high deductible health

00:25:50.000 | plan, to just ask, "Hey, what is this out of pocket if I can't cover it with my

00:25:55.520 | insurance plan?" And in all different areas, I've seen it work in dental.

00:26:00.160 | I've seen it work with kind of regular doctor's treatments.

00:26:02.600 | I know that some hospitals have a program for people going through IVF if you're

00:26:07.280 | like, "I can't afford all these drugs." So just ask doctors for coupons or discounts

00:26:13.960 | or special pricing and it can save you a lot of money.

00:26:18.600 | Yeah, yeah. And it can be so anxiety-ridden to ask a medical professional about money

00:26:27.280 | stuff because you don't want to seem like you're afraid to spend money on yourself.

00:26:32.720 | But if you just ask, "Tell me about the costs I can expect or tell me the difference

00:26:37.440 | between paying for this with insurance and paying for it out of pocket," just to open

00:26:41.640 | it up to a discussion, you'll be surprised what they're willing to tell you and how

00:26:45.360 | they're willing to work with you to make sure that you can get what you need and

00:26:49.360 | also not exhaust your deductible on one visit.

00:26:51.880 | Because let me tell you, that high deductible health plan is really great until

00:26:55.440 | you're like, "I'm sorry, it costs how much?"

00:26:57.000 | It's unbelievable.

00:26:59.080 | You've got like a doctor's appointment can somehow be hundreds of dollars.

00:27:02.200 | So, yeah, definitely worth asking.

00:27:04.960 | And I know you talk a little bit about, I don't remember the hack number, but how

00:27:11.200 | everyone should be trying to search online for promo codes and coupons when you're

00:27:14.520 | checking out. There are so many sites out there.

00:27:16.880 | Honey has a browser extension that will let you search for it.

00:27:20.120 | The add on to that, that this made me think of because we were talking about getting

00:27:25.080 | coupons from doctors, is I've recently started just live chatting with the brand.

00:27:31.000 | So if there's like a live chat at the bottom and I say, "Hey, I'm looking to check

00:27:33.960 | out. Is there a coupon?"

00:27:35.880 | They're not on commission.

00:27:37.560 | If there's a coupon and they're going to get you to get you to the sale, they're

00:27:40.600 | going to be excited. And it doesn't always work.

00:27:43.480 | But I've gotten coupons for things where after searching on the Internet, looking

00:27:46.640 | for promo codes, I can't find anything.

00:27:48.080 | And then I just ask and they're like, "Oh, yeah, here's 10% off."

00:27:50.840 | Nice. I love that.

00:27:54.360 | Yeah, because they're not there to be salespeople.

00:27:56.480 | No, they just want to help you get checked out.

00:27:58.320 | And I'm sure if they help you with your order and you check out, it looks good for

00:28:01.240 | their metrics. So they're definitely trying to just get the order done.

00:28:05.120 | Okay. I want to do some quick hits here because we don't need to spend forever.

00:28:09.520 | But these are things that I actually have never heard of or don't know how to take

00:28:13.560 | advantage of. So can you talk like rapid-fire repair cafes?

00:28:18.040 | Yes. Oh, repair cafes are a thing where you can take a thing you own that's broken

00:28:23.640 | and people will teach you how to fix it.

00:28:25.440 | You get to use their tools.

00:28:27.520 | Yes, it's totally free.

00:28:28.960 | A lot of them happen at local libraries or local like different like artists

00:28:32.680 | workshops. And they will teach you how to fix something.

00:28:36.560 | They will share their tools with you and they will send you home with newfound

00:28:40.880 | knowledge about how to fix your thing, whether it's like your blender or a bike.

00:28:44.400 | And you can get more life out of that thing instead of tossing it and buying a new

00:28:48.040 | one. Yeah, this was awesome.

00:28:49.800 | I didn't even know it existed.

00:28:51.480 | You had another one on pawn shops.

00:28:53.360 | I've everyone's seen pawn shops.

00:28:54.960 | I've never even thought of how to use them.

00:28:57.280 | How can you use a pawn shop to save money?

00:28:59.800 | Yeah, they're not all like you see on TV or like whatever like seedy thing you have

00:29:05.800 | in your mind. Pawn shops have all of those things that you want, but aren't really

00:29:10.600 | sure if you want to invest on something new, maybe like a piece of lawn equipment or

00:29:15.360 | an electronic item, something where you're not quite sure if you want to pay full

00:29:19.280 | price, but you don't really want to roll the dice at a thrift store on something that

00:29:22.960 | may be used or may not be in stock when you go to find it.

00:29:26.080 | And the thing that I recommend is calling one before you go to see if they have that

00:29:30.800 | type of item you're looking for.

00:29:32.360 | If you want a weed whacker, you don't want to show up and they never carry lawn

00:29:37.000 | equipment. So call them first.

00:29:39.040 | Say, "Do you have this type of item?

00:29:40.120 | What's your price range for this?" And do a little bit of comparison shopping before

00:29:42.920 | you go. They're always willing to answer questions because they want to sell stuff.

00:29:47.040 | And if they don't tell you about stuff, they're not going to sell it.

00:29:49.360 | Now, what about the flip? If you need to sell something, do you sell it at a pawn shop

00:29:54.040 | or where do you sell things you no longer need?

00:29:55.800 | If you want cash today, maybe a pawn shop is the best option.

00:30:00.400 | If you are willing to wait a couple of days, maybe do a Facebook marketplace, do a

00:30:05.240 | Nextdoor marketplace.

00:30:07.040 | Craigslist even is still a good place.

00:30:08.840 | Or if you have like a specialty item that might be something like on Poshmark or

00:30:13.360 | StockX or something like that.

00:30:15.760 | But they can be a good place to sell items.

00:30:18.160 | Again, it's worth making a call first to see if they're even buying that item.

00:30:22.080 | So one other one.

00:30:23.720 | What do you do when you get to the grocery store?

00:30:27.480 | Well, I immediately go to the baked goods because I want all of the pastries.

00:30:31.000 | But what I really do is grab a cart and I start on the right side of the store and I

00:30:34.840 | work my way around to the left side and it ends up being counterclockwise.

00:30:39.280 | And if you're thinking about this, you're like, Lisa, you're crazy.

00:30:42.360 | But look, the next time you walk into your grocery store, the entrance is on the right

00:30:46.440 | side. They want you to go counterclockwise.

00:30:48.920 | The reason is because more people are right handed.

00:30:51.760 | They want you to steer the cart with your left hand and shop with your right hand.

00:30:55.960 | Instead of trying to shop creatively and risk knocking over all the canned goods on

00:31:00.840 | someone, what you can really just do is go clockwise around the store.

00:31:05.720 | Go in the same entrance as everyone.

00:31:07.480 | Don't be crazy, but just just go backwards.

00:31:09.840 | Start at the opposite section and work your way around and do it the other way.

00:31:13.760 | You will. Scientists say you will spend two dollars less on every transaction if you go

00:31:20.120 | clockwise instead of counterclockwise.

00:31:23.520 | Two dollars may not be worth it for you, but there may come a time when it is worth it

00:31:27.640 | to you. Yeah.

00:31:28.680 | And this is every time, right?

00:31:29.840 | Once you get used to walking around the grocery store clockwise, now that just becomes

00:31:33.840 | second nature. So, yeah, it's going to be annoying the first time.

00:31:36.880 | And then you switch it back.

00:31:38.480 | You know, just keep keep switching it up, because if you break your routine, you're not

00:31:42.760 | going to be mindlessly grabbing things.

00:31:44.120 | And that's really what it comes down to.

00:31:45.440 | I also used another hack of yours this morning, which was not getting a cart.

00:31:50.040 | So I recently moved to a suburban town where carts fit in the aisles, unlike the ones in San

00:31:55.000 | Francisco where you have mini carts.

00:31:56.560 | And I found, you know, you're just always putting stuff in the cart.

00:32:00.320 | There's unlimited room in the cart.

00:32:01.920 | So I was like, I'm going to grab a basket this time, because if you just walk around the

00:32:05.440 | grocery store in a basket, you're not going to buy that thing you don't need because you

00:32:08.760 | don't have room for it. I got in and out quick.

00:32:11.120 | I spent half of what I normally do at the grocery store.

00:32:13.880 | And so that was a great hack.

00:32:15.360 | I did this the other day at the hardware store where I really thought that I could get

00:32:19.240 | everything I needed and just hold it in my arms.

00:32:21.360 | And then I got to the register and while she was ringing up my items, I was like, excuse

00:32:26.960 | me, I'm going to go get a cart so I can get all these things out of the store now.

00:32:30.640 | And I kind of failed at my own hack.

00:32:33.000 | This is me trying to save 10 cents ridiculously at the grocery store.

00:32:37.080 | I'm like, do you need a bag?

00:32:38.160 | And I'm like, no, I can balance my eggs on top of my flour and some vegetables and I'll

00:32:42.920 | put them in my jacket pocket because I know I don't want to spend an extra 10 cents for

00:32:47.200 | a bag. I've literally filled pockets with groceries to save 10 cents, which is an

00:32:53.240 | embarrassing thing that I should not be doing.

00:32:54.920 | The one other thing that I didn't see in the book that has been a fun one, especially

00:33:00.720 | watching what happens when I told my parents about it.

00:33:03.080 | Depending on the city you live in, you may have multiple different energy plans.

00:33:07.480 | And so I know in San Francisco, PG&E is our gas and electric provider.

00:33:12.600 | And on their website, you can choose different energy plans.

00:33:15.040 | You can say, I want the plan that has a tiered usage.

00:33:18.720 | As you use more, it gets more expensive.

00:33:20.880 | You can use the plan that's really expensive from like 3 p.m.

00:33:24.200 | to 10 p.m.

00:33:25.000 | And they're even third parties.

00:33:26.520 | So there's this website called Ohm Connect, and you can create an account and link it

00:33:30.960 | to your energy plan.

00:33:32.480 | And they have some relationships such that they'll send you times where if you limit

00:33:38.120 | your usage of energy, they'll send you money.

00:33:40.000 | And so it's so funny.

00:33:41.960 | I'm at my parents' house and they're like, everybody, everybody, it's 5 o'clock.

00:33:45.480 | We have to turn all the lights off, unplug the fridge, unplug this.

00:33:48.040 | And I'm like, our daughter is sleeping.

00:33:51.000 | I'm like, can we leave the sound machine on?

00:33:52.800 | And they're like, oh, I guess you can leave the sound machine on this time.

00:33:55.240 | But like everything else has to be off.

00:33:56.880 | And we're like all sitting in the dark for one hour.

00:33:59.760 | And at the end of the time, I'm like, what did we save?

00:34:03.040 | And she's like, probably seven dollars.

00:34:04.480 | And I'm like, well, maybe on the one family getaway where we come visit you, we could

00:34:08.440 | just not worry about the seven dollars.

00:34:10.560 | Right. But a lot of times they're not even home or they're going to go sit on the patio

00:34:16.000 | and enjoy a glass of wine on the patio.

00:34:18.640 | And you could just turn the power off in the house.

00:34:20.320 | You can turn your fridge off.

00:34:22.120 | And so I think they've probably saved a few hundred dollars in the last year doing this.

00:34:26.560 | And they're loving it.

00:34:28.520 | That is amazing. And it taps into like our our sense of like how much we love games.

00:34:36.120 | Right. Like we always want to win and we always want to win the game.

00:34:38.760 | And so when they're like, oh, turn everything off, we're about to win.

00:34:41.880 | We're about to save some money.

00:34:42.920 | And then they look at their granddaughter and they're like, how much do we love her?

00:34:46.160 | She can stay, but we still want to win the game.

00:34:48.920 | We did this in San Francisco before we got an electric car, which ruins the whole thing

00:34:53.480 | because you can't be on the electric car plan and the game plan.

00:34:56.760 | So unless you have an electric car, get on the game plan and make saving money fun at

00:35:01.720 | home in the dark.

00:35:02.640 | And maybe if you work from home full time, maybe this doesn't work right for you because

00:35:07.000 | you'll be like, oh, I can't get on that conference call.

00:35:09.640 | I must turn off my computer now and unplug it.

00:35:11.480 | Goodbye. I'm trying to imagine that.

00:35:13.320 | We're called Yeah. Four o'clock doesn't work.

00:35:15.440 | That's the hour I have to have my electricity off.

00:35:17.760 | They're like, where do you live? And you're like, California.

00:35:21.000 | Yeah, I live in the city.

00:35:22.400 | I just get paid seven dollars.

00:35:24.800 | So your mileage may vary on that one, but I do want to check it out.

00:35:28.480 | Yeah. Ohm Connect.

00:35:29.960 | I don't know if it works in every city, but it is pretty cool.

00:35:33.800 | So we're spending a lot of time on spending and savings, which I think is really like

00:35:38.840 | the bulk of a lot of the hacks that I talk about with people.

00:35:42.520 | But there's some really good ones in the next section.

00:35:45.160 | So I don't want to miss out in getting debt free, which I know is something that you talk

00:35:49.680 | a lot about personally in the book.

00:35:51.080 | There are a few things in here that I think you have to hit on because I was blown away

00:35:56.160 | asking a landlord for rent.

00:35:57.400 | I've never even heard of this.

00:35:58.480 | And I know a lot of people start out with no credit.

00:36:00.920 | Can you talk about how to do that?

00:36:03.320 | Yeah, your rent is typically something that's not reported to the credit bureaus who

00:36:08.880 | calculate your credit score.

00:36:10.560 | So usually your credit score is made up of your debts and maybe you don't have any debts,

00:36:16.280 | but you're just starting to build your financial, you know, your financial foundation.

00:36:21.920 | You don't have any credit accounts yet.

00:36:23.240 | And like, how do you show that you're trustworthy with money?

00:36:25.640 | Right. You can actually ask your landlord to report your rent to these different

00:36:30.960 | agencies, and a lot of them work as a pass through for your rent.

00:36:33.600 | So they sort of confirm that, like, OK, this person has paid their rent and they will

00:36:37.360 | report for you to the credit bureaus that you are paying your rent on time.

00:36:42.320 | And by having this account with this company that will monitor your rent payments, they

00:36:48.720 | will report it to the credit bureaus and then it gets added to your credit score.

00:36:51.760 | And so you can really start building your credit profile by doing the thing that you

00:36:57.800 | already do every month, which is pay your rent.

00:37:00.160 | You're going to do that no matter what, in most cases.

00:37:02.600 | Right. So if you can have it add to that picture of your financial health, all the better

00:37:07.280 | for it. The only caveat here is that if you feel like you might be in, you know, sort

00:37:11.000 | of a chancy housing situation, you know, for a couple of months or there might have

00:37:16.160 | been a couple of months where you're late by a couple of days on rent, this may not

00:37:20.920 | be the best thing for you because, you know, the negative marks also show.

00:37:24.840 | So you want to make sure that you have a really healthy history at paying this very

00:37:28.200 | important bill before you add the extra step of requesting to have it added to your

00:37:32.560 | credit report. Yeah.

00:37:34.160 | Sometimes the smallest changes make the biggest impact, and Trade Coffee is a great

00:37:40.920 | addition to your new year routine, and I am so excited to be partnering with them today.

00:37:45.320 | Trade is a subscription service we've been using for over a year that sources the best

00:37:49.960 | coffee across the country and brings it straight to your doorstep.

00:37:54.120 | They've built relationships with over 50 local roasters so you can enjoy their craft

00:37:58.640 | from the comfort of your own home at a fraction of the cost of going out for coffee.

00:38:03.160 | There's multiple ways to experience coffee with Trade.

00:38:06.360 | Sign up for a subscription or try one of their starter packs today.

00:38:10.160 | It's been so convenient for us to have coffee just show up exactly when we need it.

00:38:14.760 | And over the past year, we've gotten so many great coffees from Trade.

00:38:18.640 | But this last bag of beans from Drink Coffee Do Stuff in Tahoe, it's called Bark the

00:38:23.880 | Moon, and it's so delicious.

00:38:25.760 | So jumpstart this year by signing up for a Trade subscription.

00:38:29.280 | Right now, Trade is offering a free bag with select subscription plans when you visit

00:38:34.120 | allthehacks.com/trade.

00:38:36.840 | That's allthehacks.com/trade for a free bag with select subscription plans.

00:38:42.400 | allthehacks.com/trade.

00:38:44.920 | Do you all remember episode 122 when I spoke to Chef David Chang about leveling up your

00:38:52.120 | cooking at home?

00:38:53.360 | If not, definitely go back and give it a listen.

00:38:55.480 | But one of his top hacks was using the microwave more.

00:38:58.880 | I'll admit I was a skeptic at first, but after getting a full set of microwave cookware

00:39:04.120 | from Anyday, I'm a total convert and I'm excited to partner with them for this episode.

00:39:08.680 | Anyday is glass cookware specifically designed to make delicious food from scratch in the

00:39:13.720 | microwave.

00:39:14.440 | And honestly, using it feels like a kitchen cheat code because it speeds up and simplifies

00:39:19.800 | the process so much.

00:39:21.600 | The cookware is 100% plastic free and you can cook, serve, store, and reheat all in

00:39:27.240 | the same dish that happens to be dishwasher, freezer, and oven safe too.

00:39:31.760 | And if you need a recipe suggestion to kick off your Anyday adventure, I highly recommend

00:39:36.480 | David Chang's Salmon Rice.

00:39:38.040 | It is so good.

00:39:39.440 | And if you haven't checked out the Matte Black Ayo Collection they launched last year,

00:39:44.560 | you have to check it out.

00:39:46.360 | So to get 15% off our new favorite cookware, go to allthehacks.com/anyday.

00:39:52.760 | Again, that's allthehacks.com/anyday for 15% off.

00:39:58.200 | I just want to thank you, Quick, for listening to and supporting the show.

00:40:03.280 | Your support is what keeps this show going.

00:40:06.120 | To get all of the URLs, codes, deals, and discounts from our partners, you can go to

00:40:11.520 | allthehacks.com/deals.

00:40:14.480 | So please consider supporting those who support us.

00:40:17.560 | And then a thing that I've been doing for a while, and it makes me so sad when I hear

00:40:22.240 | people not know about it, was your Hack 107.

00:40:25.360 | So if you're asking your landlord to report your rent, often that's to help boost your

00:40:30.200 | credit. But if you don't know what your credit is, a lot of people I know use Credit

00:40:34.680 | Karma and they go get a credit score, but that's not the same credit score that gets

00:40:39.240 | pulled when you buy a car or when you buy a house.

00:40:41.920 | They're pulling your FICO score, and it turns out that you can get your FICO score for

00:40:46.720 | free if you have a bank account at a lot of institutions.

00:40:49.320 | And so Hack 107, can you share a little more?

00:40:53.360 | Yeah. Always look for opportunities to get your free FICO score.

00:40:57.480 | It's something where if you're paying out of pocket, it costs maybe $30 to access your

00:41:01.160 | score in this current date and time.

00:41:03.800 | Right. It's something that can change a lot.

00:41:05.680 | So you can look it up once, but that's not going to guarantee that it's not going to

00:41:09.960 | change tomorrow. Right.

00:41:12.720 | But the services like Credit Karma and Credit Sesame, they show your Vantage score, which

00:41:17.440 | is good. It helps you get a picture of your financial health, but it is not the one that

00:41:20.960 | lenders use, like Chris said.

00:41:22.560 | So I'll give you an example from my own life.

00:41:24.840 | I have accounts with Bank of America.

00:41:27.360 | I have a MasterCard credit card.

00:41:29.600 | I have a Visa credit card.

00:41:31.320 | And all three of those give me the opportunity when I log into my online account to

00:41:36.760 | click and look at my FICO score today based on my activity that they've pulled.

00:41:41.440 | And it's a service that they provide to their customers, sort of like an added benefit.

00:41:46.000 | So I can, you know, while I'm doing my normal checks of my finances and my usual

00:41:50.520 | accounts, I can check in on that FICO score and know that that's the one that if I

00:41:54.560 | wanted to buy a car today or if I wanted to apply for a mortgage today, you know, I

00:41:57.720 | would have a really good idea of what my quote unquote "official" credit score is

00:42:02.520 | because the FICO one is used so much more by lenders.

00:42:05.200 | And remember, it's free. Do not pay for your credit score.

00:42:07.240 | Just know where to look.

00:42:08.280 | And you're probably already using an account that provides this service.

00:42:11.280 | Yeah, I got mine for years from Wells Fargo for free.

00:42:14.560 | So there's so many companies that offer this.

00:42:16.280 | OK, there's one hack in this section.

00:42:18.920 | I don't know why it's in this section, but hack 125 about getting your missing money.

00:42:24.960 | Oh, my gosh, this is my favorite of all time.

00:42:28.160 | So I'm going to start backwards.

00:42:30.920 | I'm going to tell you why claiming you're missing money is in the section about

00:42:35.200 | paying off debt, because in theory, if you find money, if you get a windfall, you can

00:42:40.200 | put it towards your debt and pay it off faster.

00:42:41.880 | That is the ideal situation when you have any sort of spare cash.

00:42:46.480 | That's why it ended up in this chapter.

00:42:48.120 | But the more fun part is finding the money.

00:42:50.280 | If you like treasure hunts, if you like anything related to like the thrill of the

00:42:55.760 | hunt, this is the one for you.

00:42:57.360 | Every state has a repository where money goes when they can't get it to you.

00:43:02.480 | It might be companies that you made a deposit with and they couldn't get it back to

00:43:06.080 | you, like a utility deposit or a last paycheck from an employer.

00:43:11.040 | Or even I had a refund from CVS, from the CVS pharmacy, that they couldn't get back

00:43:17.520 | to me in some way. They'd mailed a check to an address that I wasn't at anymore.

00:43:21.760 | And years later, I found it in Washington, D.C.'s unclaimed money fund, my refunds

00:43:27.040 | from CVS. So all this money is there.

00:43:30.720 | It is a matter of you figuring out whether you're owed any.

00:43:37.400 | So it's up to you to look yourself up in your state directory or any state you may

00:43:41.720 | have previously lived in.

00:43:42.720 | Don't forget those. And then if your name pops up, you might not know how much you're

00:43:46.440 | getting, but it'll show you who owes you money and you can withdraw that.

00:43:51.400 | You have to verify your identity by taking a couple of steps, but you'll get a check

00:43:55.720 | in the mail or a PayPal deposit in some cases for this money that just could never make

00:44:02.040 | its way to you that you're owed.

00:44:03.240 | So my recent example is that I got refunds from CVS.

00:44:06.640 | I got like eleven dollars total.

00:44:08.240 | It wasn't very exciting.

00:44:09.400 | But I have a friend who told her parents about this and they went on New York State's

00:44:14.840 | program and found some like old stocks that her dad's workplace, you know, had given

00:44:22.120 | him or he'd gotten through the retirement plan there.

00:44:24.440 | And for some reason they got lost in the system or whatnot.

00:44:27.760 | But they were worth thirty five hundred dollars.

00:44:30.720 | And so when he got the check for thirty five hundred dollars, they were able to plan a

00:44:35.800 | trip to Italy, you know, with this like basis of like this money that they had had no

00:44:41.320 | idea existed. So like I said before, if you find this money, you could you could take

00:44:47.120 | thirty five hundred dollars and put it in your on your debt and pay it off that much

00:44:52.400 | faster or go to Italy.

00:44:53.520 | It's up to you. This is goes back to the game idea.

00:44:56.560 | Like this feels like a game.

00:44:57.800 | Like when I go on these websites, I'm like I'm on a treasure hunt.

00:45:00.720 | I feel like there is money to find and I want it.

00:45:04.280 | If it's ten dollars, the satisfaction of getting ten dollars that someone owes me that

00:45:09.200 | they never gave me is probably worth even more than ten dollars.

00:45:12.640 | But for us, we just found a fifty dollar Delta gift card.

00:45:16.200 | They were like, you had a gift card.

00:45:17.760 | You never used it. Do you still want it?

00:45:19.360 | We're like, yeah, we want that gift card.

00:45:20.840 | We're going to go somewhere now.

00:45:22.480 | We're not going to go anywhere for fifty dollars, maybe like, but it'll maybe make a

00:45:26.960 | flight a little cheaper.

00:45:27.880 | Yeah, and those little amounts can add up.

00:45:31.200 | I had a friend recently who was looking herself up after my eleven dollar windfall and

00:45:36.240 | she's like, oh, it's like, you know, 50 bucks.

00:45:38.680 | But, you know, it's under my maiden name.

00:45:41.160 | And like to have that documentation, yada yada, I got married years ago.

00:45:45.160 | I was like, girl, get your money.

00:45:47.040 | Like, why is it sitting there in the District of Columbia's bank account?

00:45:51.200 | Get your money.

00:45:52.520 | Use it on snacks.

00:45:54.360 | Like, think clearly here.

00:45:56.280 | So I was trying to convince her to like take the 20 minutes to pull out her marriage

00:46:00.040 | license and whatnot and and do it because I think it's worth it.

00:46:03.920 | Yeah. And it's fun.

00:46:05.560 | I there's nothing that makes you feel better than getting money that's yours, that

00:46:09.880 | someone else has, at least for me.

00:46:12.200 | Finding money that I didn't have to work for is is fantastic.

00:46:16.320 | But it's the best feeling.

00:46:18.000 | There's this whole section that that's about making more money.

00:46:21.000 | Some of it you do have to work for some of it you don't.

00:46:23.120 | When someone comes to you and says, look, I've saved everything I can.

00:46:27.760 | I've spent I've lowered my spending.

00:46:29.760 | I've increased my savings.

00:46:30.840 | And I just want more money.

00:46:33.160 | I have some time.

00:46:34.200 | Maybe I don't. How can I just get more money?

00:46:36.320 | I feel like that's a common thing people want.

00:46:38.720 | How do you help people get more money?

00:46:40.840 | You've got to figure out how to make it.

00:46:43.440 | And generally you have two options.

00:46:45.360 | One is to figure out how to make more money at your current job or your day job or

00:46:49.760 | your what might be your primary job.

00:46:51.760 | Your other option is to start working, doing something different, maybe a side

00:46:58.440 | hustle, maybe something that you add on to your primary work.

00:47:02.760 | So it's sort of a, you know, six of one, half a dozen of the other situation,

00:47:06.840 | because, you know, a lot of people, it's maybe you're capped out in your current

00:47:10.760 | role, so you're going to have to add somewhere else.

00:47:12.440 | Or maybe you don't have time to take on a side hustle.

00:47:14.480 | So you really need to look to your current job.

00:47:16.200 | Right. But you have to figure out where you can find that money.

00:47:20.200 | And let me tell you, if you haven't updated your resume in a while or your

00:47:23.640 | portfolio in a while, like here's your reminder to keep it updated because you

00:47:27.120 | never know when an opportunity will arise.

00:47:29.400 | And it's funny how annual review time will sneak up on you at work and suddenly

00:47:34.600 | you're thinking back and you're saying, oh, what did I do all year?

00:47:37.960 | What were my accomplishments?

00:47:38.920 | What have I done? What are my reasons that someone should pay me more money for

00:47:44.160 | the good work I'm doing?

00:47:45.480 | So you have to be ready to seize those opportunities, whether it's because you

00:47:49.400 | can go for a promotion, you know, annual reviews are coming up and you'll be able

00:47:52.480 | to ask for a raise or if, you know, maybe you're just thinking about your skills

00:47:56.520 | and how you might be able to add income through a side hustle.

00:47:59.560 | It's good to be thinking about those accomplishments, those skills, what's on

00:48:02.760 | your resume, what's on your LinkedIn so that you can think smart about how to

00:48:06.760 | bring in more money.

00:48:07.560 | Yeah. And on the side hustle category, there are a bunch in here and I'm curious

00:48:14.560 | how many of them you know about or have done.

00:48:16.840 | So I'm going to start with have you actually put yourself up for rent as a

00:48:22.120 | friend? I have never signed up for rentafriend.com.

00:48:26.600 | It is a real website.

00:48:28.240 | It is not as salacious as it might sound.

00:48:32.360 | It is really like a rated G place to find people to hang out with for, you know,

00:48:38.960 | maybe you are making friends in a city or yeah, yeah, yeah.

00:48:42.360 | You pay them for the the honor of spending time together.

00:48:46.640 | I have never done that, but I would be willing, would I be willing to do it?

00:48:52.040 | Let's be real here. I'm kind of an introvert.

00:48:53.840 | Maybe I wouldn't be willing to do that.

00:48:56.480 | Maybe I'm just offering it for the right person out there who's listening or

00:49:00.160 | reading.

00:49:00.600 | OK, what are some on here that you have done to make a little extra money on the

00:49:05.520 | side? Wait, so have you sold your junk mail?

00:49:07.600 | I have not sold my junk mail, but you could sell your junk mail.

00:49:11.440 | There's actually a program run by a thing called SBK Center.

00:49:15.800 | It's a market research company, and they want to know what kind of junk mail

00:49:18.760 | you're getting. So you bundle up all of your junk mail.

00:49:21.240 | I think like every month you send it to them.

00:49:23.640 | They give you points.

00:49:24.640 | Eventually you get enough points to get like a prepaid gift card.

00:49:29.240 | And it's like you just got paid to bring in your mail every day.

00:49:35.000 | Yeah, which I'm already doing.

00:49:36.880 | Right. I'm already doing.

00:49:38.560 | I'm already I'm just throwing it in recycling all the time.

00:49:41.120 | So if someone wants to pay me and if they give you a prepaid envelope and I

00:49:45.600 | can just put it back in the mailbox, I'm going to start doing that.

00:49:49.560 | One side hustle that I'm not allowed to do because of my profession, but I think

00:49:53.920 | is very much worth your time in a lot of cases, is to participate in focus groups.

00:49:58.880 | You can get paid for your opinion on everything from snack foods to shampoo to

00:50:05.960 | any other product under the sun.

00:50:08.800 | Companies are always looking for people to test ideas on when they have products

00:50:14.680 | in development or they're thinking about new flavors or new colors, that sort of

00:50:17.720 | thing. So you, as I say in the book, you probably can't make a living off of

00:50:22.120 | participating in focus groups because you're not going to be a match for all of

00:50:25.680 | them. Some of them will take place at times of day that may not be convenient

00:50:29.040 | for you, but you could make up to $200 to participate in a single focus group

00:50:34.200 | session. And this is just to provide your opinion.

00:50:37.520 | This is not like like medical test groups where you might be taking like a

00:50:42.640 | placebo for several months and be getting paid.

00:50:44.960 | This is just to share your opinion on something or maybe taste some food.

00:50:49.000 | So it's pretty low stakes.

00:50:50.440 | There are there are a lot of companies out there who do this.

00:50:54.440 | The if you Google focus groups near you or near your city, just keep in mind that

00:50:59.040 | legitimate ones will never charge you a fee to sign up or to access

00:51:01.960 | opportunities. But you can, you know, make a notable side income just by sharing

00:51:09.160 | your time and your opinions.

00:51:10.760 | Yeah, and it doesn't have to be an in-person focus group.

00:51:13.680 | I know at Wealthfront, I build a lot of products and we do both user testing and

00:51:18.720 | idea testing on platforms like D-Scout is one that you can sign up and get

00:51:23.560 | selected to go on these, they call them missions.

00:51:25.680 | And a company will show you an app and you have to, you know, try to use it out

00:51:29.640 | and give feedback on how it's working.

00:51:31.200 | User testing is one that we've used.

00:51:33.480 | So you could do this from home or you could do this on online products.

00:51:37.360 | And, you know, I get a ton of value from talking to people about how they feel

00:51:43.040 | about our products and we pay for that.

00:51:45.240 | Yeah, yeah, you no matter how much thought or effort you put into something

00:51:50.200 | you're working on at your company, you don't really know how good it is until

00:51:54.880 | you put it in front of real people and have them like try to break it, right, or

00:51:59.840 | tell you how they really feel about it.

00:52:01.240 | And so it's really important for people to be willing to do these kinds of tasks.

00:52:06.400 | And if there's a monetary reward for you, like all the better for it.

00:52:09.320 | Yeah.

00:52:10.280 | Okay.

00:52:10.980 | Let's combine the last two sections, planning for the future and protecting

00:52:14.840 | your money and do a fast round greatest hits.

00:52:18.640 | What are your favorites here?

00:52:20.200 | Okay.

00:52:21.380 | One of my favorites is don't watch the stock market.

00:52:24.400 | It is really tempting, but if you're someone who has really, really simple

00:52:30.320 | investments, maybe you have things in index funds, if you're doing that kind

00:52:35.440 | of thing, you do not need to be looking at how Tesla did yesterday.

00:52:38.800 | Okay.

00:52:39.400 | Like that is not something that is going to help your financial goals.

00:52:43.080 | Don't worry about it.

00:52:44.080 | If people are freaking out about the stock market, don't worry about it.

00:52:46.720 | Uh, I think Chris would tell you that like the, the return tends to be like.

00:52:50.800 | 7% a year on average.

00:52:55.320 | So I would never make any promises about what the return would be, but

00:52:59.640 | historically you could probably say historically the stock market tends to

00:53:04.040 | grow over the longterm, if you are investing for the longterm, stop looking

00:53:08.080 | at the stock market, it's going to stress you out.

00:53:09.600 | That's just a tip from me to you.

00:53:10.880 | It's in the book too, but it's also from me to you.

00:53:14.280 | Just, just another quick tip that like came up in my life recently.

00:53:17.720 | Don't click on text messages that say they're from your bank.

00:53:20.920 | Those are not real.

00:53:22.800 | Those are a good way to lose money and have your identity stolen.

00:53:26.480 | And then that's going to open up a whole financial can of worms for you.

00:53:30.440 | There's a whole bunch of friends and I recently got text messages, um, that

00:53:34.400 | said they had some like, like do this to, you know, like confirm your account or

00:53:39.680 | whatever, and we realized pretty quickly that somebody was trying to scam us

00:53:43.880 | into giving away our information.

00:53:45.360 | So if your bank, your credit card, your mortgage, if any financial account sends

00:53:52.920 | you a text message and they want you to do something or click on something, don't

00:53:57.480 | do it because financial institutions don't do that.

00:54:01.040 | They don't contact you that way.

00:54:02.600 | So just like keep your guard up when you're flipping around in your phone and

00:54:05.960 | you're getting text messages in, do not let your guard down and start clicking on

00:54:10.680 | things because you want to be efficient and you want to like answer the request

00:54:14.280 | that obviously your bank has.

00:54:16.240 | No, they don't have a request that they're sending you that way.

00:54:18.680 | If you're really nervous, like call them and be like, hi, are there

00:54:21.320 | any alerts on my account?

00:54:22.400 | I got a weird text message.

00:54:23.480 | And they'll probably tell you that it's a scam.

00:54:25.080 | So just remember to have your guard up.

00:54:27.360 | Yeah, totally.

00:54:28.160 | Anytime I get a message, if it's not a six digit number that I asked to be sent

00:54:33.400 | to me so I could log in, I'm not paying attention.

00:54:36.840 | And speaking of six digit numbers, I think at this day and age, if you haven't

00:54:42.080 | added two-factor authentication to all of your financial accounts, I prefer the

00:54:47.240 | method of adding to Google Authenticator or something that's not a text message

00:54:51.200 | just because if someone gets your phone, if someone gets your phone number, if

00:54:56.800 | someone convinces Verizon to change your number, which has been known to happen,

00:55:01.000 | then you drop your phone in a puddle and can't, can't get the code for the

00:55:06.360 | next seven days, been there.

00:55:07.960 | Yeah, yeah.

00:55:09.000 | So I, I'm a big fan and this is actually probably, it's a short-term non-money

00:55:14.040 | hack, long-term money hack.

00:55:15.400 | So I use one password.

00:55:16.760 | You can store all of your authentication in there.

00:55:19.720 | So my six digit codes that come up when I log into my bank, those are stored there.

00:55:23.880 | I drop my phone, they're online.

00:55:26.080 | I remember my one password and that's it.

00:55:28.680 | And I even have like a security recovery key version of it in an envelope in a

00:55:32.720 | safe that if something ever happens, my wife knows where to find it.

00:55:36.160 | And so I use that.

00:55:38.240 | It actually costs money.

00:55:39.400 | I, you know, I, I tend to like to pay for things that make my life better and not

00:55:44.280 | pay for things that don't.

00:55:45.200 | And in this case, I'm happy to pay for that service.

00:55:48.400 | Yeah, that's one of the things that I pay for too, because it just gives me peace

00:55:52.240 | of mind to know that there are backups to the backups and it's not just scraps of

00:55:55.560 | paper that like I used to tape under my desk.

00:55:58.880 | Like I used to write my password on a post-it note and tape it under my desk.

00:56:02.120 | And like, thank God I grew up from that point in my life where I thought that I

00:56:05.640 | could just manage my life that way.

00:56:07.320 | But like you said, a lot of these things that we talk about when it comes to

00:56:10.320 | managing your money, they're not sexy and they're not something that will directly

00:56:14.480 | help you make or save money, but they're going to help your overall financial

00:56:17.720 | health or just like your mindset about your finances.

00:56:20.200 | And I think that's so important to remember because you can get caught up in

00:56:23.840 | trying to hack every hack, but if you're thinking holistically about just sort of

00:56:28.280 | like having that healthy path for yourself and your money, that's going to

00:56:32.360 | take you the furthest.

00:56:33.560 | Yeah, that makes sense.

00:56:35.040 | So I have a totally off the wall question.

00:56:37.720 | Was there a hack that you liked that the publisher wouldn't let you put in the

00:56:41.200 | book?

00:56:41.560 | No, but there was one that I thought they weren't going to let me put in there.

00:56:45.800 | It is hack number 78, which says stop buying books.

00:56:49.360 | I was like, she's never going to let me keep this in.

00:56:53.720 | I need to sell books.

00:56:54.960 | But especially during the pandemic, this has become a lifesaver to be able to

00:57:01.360 | borrow books, including electronic books, instead of buying each and every title

00:57:06.120 | new.

00:57:06.640 | I just tore through books during the pandemic.

00:57:09.160 | So this is one that really came in handy.

00:57:10.880 | So there are a couple of different ways.

00:57:12.080 | There's the library extension app, libraryextension.com.

00:57:16.240 | It's a browser that you can add to Chrome and Firefox.

00:57:19.440 | And when a book is available at your local library and you are searching for books

00:57:23.480 | on like a bookstore on the internet, it will tell you that your library has it and

00:57:27.600 | it will prompt you to be like, do you want to put this book on hold instead of

00:57:30.840 | spending $21.95 for it?

00:57:33.120 | So that's genius.

00:57:34.800 | I'm also a fan of the Libby app to check out e-books from your library.

00:57:39.080 | You can also check out magazines from your library and electronic versions that are

00:57:43.120 | nice to read on the iPad, right?

00:57:45.640 | So I am someone who loves to buy books, but really does not need to buy that many

00:57:52.120 | more books. So it's funny that I'm here to promote my book that I wrote and hope

00:57:56.680 | that people buy it. But I'm sharing this like secret hack with you that's like stop

00:58:00.960 | buying books. But they let me keep that in.

00:58:03.040 | It made it in. It's on page 78.

00:58:04.920 | So we've gone through a bunch of hacks.

00:58:08.280 | Obviously, if someone wants more hacks, there are so many in the book.

00:58:11.800 | Are there ones that you're just like, wait, wait, wait, there's one more.

00:58:15.520 | I have to say this.

00:58:17.360 | Hack 89 is called Try Every Weird Tip Once, and this is the one that I want to like

00:58:22.520 | leave you with, because when you see a book that has more than 250 hacks, you might

00:58:28.400 | think to yourself, I'm going to try all of them.

00:58:30.040 | I'm going to be so good at this.

00:58:31.480 | I'm going to make them all work for me.

00:58:32.880 | If I apply them all, life would be great.

00:58:35.280 | But no, you will get overwhelmed and it's not going to be fun anymore.

00:58:39.360 | And you're just going to become a crumbling mess of hacks.

00:58:43.000 | So what this specific hack recommends is try every weird thing you read once.

00:58:48.640 | Just give it a shot.

00:58:49.640 | And if it doesn't work for you, leave it be, abandon it and do not feel bad because

00:58:54.760 | you tried it. So if you think of a frugal blog or a book that's telling you about the

00:58:59.760 | frugal lifestyle is like a little too frugal and like maybe you don't want to wash

00:59:03.960 | your tinfoil to get two or three uses out of it, you don't have to do that.

00:59:09.040 | You can choose what works for your financial lifestyle and your day to day.

00:59:13.360 | So embrace the weird, find what works for you.

00:59:17.640 | If there are things in either this book or other places that you're listening or

00:59:21.960 | reading and they just seem a little bit off the wall, just remember you only have to

00:59:25.560 | take what you like or take what works for you and leave the rest.

00:59:28.360 | You know, those other tips might be for someone else.

00:59:30.680 | And don't get bogged down by this feeling that you have to be an overachiever and

00:59:34.080 | try them all. You can just find a couple that really work for you and just embrace

00:59:37.880 | them. Yeah, I think this is my whole purpose behind this this show and all the

00:59:42.600 | hacks is trying to find them all.

00:59:43.960 | It's not to do them all. It's to find them all.

00:59:46.000 | And then you can decide which ones make sense for you.

00:59:48.080 | So, yeah, this was fantastic.

00:59:50.320 | If you're listening and you want all the hacks about money, you can buy Lisa's book.

00:59:55.360 | It's incredible.

00:59:56.280 | Where else can people find you online?

00:59:58.360 | So you can find me at LisaRowan.com.

01:00:01.640 | That is my website. It also has a link to buy the book if you are looking for an easy

01:00:07.120 | route. I'm also everywhere on the Internet at Lisa Teller, which probably I mean, you

01:00:12.080 | can find me on Peloton.

01:00:13.160 | You can find me on Twitter.

01:00:15.200 | You can find me on pretty much any platform except for FanFiction.net.

01:00:18.840 | I deleted that account, but find me on the Internet at Lisa Teller.

01:00:22.440 | I'm always happy to meet new people on any platform.

01:00:25.160 | Awesome. Thank you for being here.

01:00:27.480 | And I'm excited to do this again in the future once I've collected even more hacks

01:00:31.240 | to share. Yes, thanks for hanging with me and letting me share some of my favorites.

01:00:35.880 | And I learned a couple of things, too.

01:00:37.400 | Awesome. That was amazing.

01:00:41.360 | Thank you so much for listening.

01:00:43.280 | All of the show notes are at AllTheHacks.com.

01:00:45.840 | I wish we could have gotten through more of Lisa's money hacks because some of the ones

01:00:49.240 | we missed really are great, but I'll try to include them in a future episode.

01:00:53.160 | Also, thank you so much for all the listener support you've given me over email and

01:00:58.000 | Twitter. It has been fantastic.

01:01:00.200 | If you have any ideas for ways to build out this community or want to share your favorite

01:01:04.280 | hacks, you can find me at Chris@AllTheHacks.com or @Hutchins on Twitter.

01:01:09.600 | Finally, if you're enjoying the show, please consider sharing it with your network or

01:01:13.840 | leaving a rating and review in the podcast app.

01:01:16.120 | That's all for today. See you next time.

01:01:18.400 | I want to tell you about another podcast I love that goes deep on all things money.

01:01:39.280 | That means everything from money hacks to wealth building to early retirement.

01:01:43.080 | It's called the Personal Finance Podcast, and it's much more about building

01:01:47.240 | generational wealth and spending your money on the things you value than it is about

01:01:51.320 | clipping coupons to save a dollar.

01:01:53.160 | It's hosted by my good friend, Andrew, who truly believes that everyone in this world

01:01:57.720 | can build wealth, and his passion and excitement are what make this show so

01:02:01.760 | entertaining. I know because I was a guest on the show in December 2022, but

01:02:06.920 | recently I listened to an episode where Andrew shared 16 money stats that will blow

01:02:11.520 | your mind. And it was so crazy to learn things like 35% of millennials are not

01:02:16.280 | participating in their employer's retirement plan.

01:02:18.720 | And that's just one of the many fascinating stats he shared.

01:02:22.360 | The Personal Finance Podcast has something for everyone.

01:02:25.320 | It's filled with so many tips and tactics and hacks to help you get better with your

01:02:29.200 | money and grow your wealth.

01:02:30.560 | So I highly recommend you check it out.

01:02:32.720 | Just search for the Personal Finance Podcast on Apple Podcasts, Spotify, or

01:02:37.120 | wherever you listen to podcasts and enjoy.