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What's it actually like to live in a converted school bus with three small children while you're saving money to build a house? 00:00:42.440 |
Welcome to the Radical Personal Finance Podcast for today, Friday, October the 10th, 2014. 00:01:06.440 |
Today, contrary to what I said yesterday, I'm not going to be bringing you a show on education, but rather bringing you a show which is an interview with Sarah and Noah, 00:01:18.440 |
who are currently living in a converted bus with their three children while they try to figure out how to build their new house out in California. 00:01:33.440 |
The show today, I think you're really gonna enjoy it because it's gonna be a little bit 00:01:37.220 |
different than many of the shows that I have played previously. 00:01:40.940 |
Now, let me be specific and give you a quick note of introduction here. 00:01:45.060 |
Today's show is very chatty, and it's more of kind of two new friends getting to know 00:01:50.460 |
each other over a Skype connection on a late at night telephone call. 00:01:54.700 |
So, it's very chatty and it's not specifically point point point point on here's what you 00:01:58.940 |
should do; here's what you should do; here's what you should do. 00:02:01.420 |
If that's going to annoy you, flip forward or flip backwards to another show and don't 00:02:07.700 |
But I think that you may, many of you will still enjoy this kind of show. 00:02:12.420 |
And you'll benefit, I think, from knowing a little bit on the background. 00:02:15.620 |
So I've been interested for years in bus conversions, and I've always watched online at different 00:02:20.740 |
people converting school buses to live in and people living in RVs. 00:02:24.380 |
I think it's a pretty cool financial strategy for some people. 00:02:27.380 |
So I was Googling around and found a website called Little Bus on the Prairie and was impressed 00:02:33.180 |
that there was this family of mother and father, so a family of five, and three small children 00:02:39.500 |
And I shot off an email and set up an interview. 00:02:42.300 |
Now it was actually, I arranged the interview, I think, probably about a month before I actually 00:02:49.340 |
And so there was a lot of time that had passed. 00:02:52.940 |
And usually, generally, oftentimes, I'm very much a person who's expecting someone to say, 00:03:07.620 |
And what happened was a fascinating peek into what it's actually like sometimes to scrimp 00:03:15.700 |
And sometimes the radical side is maybe really challenging. 00:03:24.140 |
So I think this story is going to be a very interesting story, which you may enjoy. 00:03:31.060 |
And in speaking with Sarah and Noah, they had just come off of three days with triple-digit 00:03:36.460 |
temperatures with them being on a bus with three small children. 00:03:41.700 |
And Sarah is very pregnant with a baby expected soon. 00:03:45.700 |
I think it's a month or two, something like that. 00:03:48.060 |
And so it was neat to kind of capture some of that emotion, but it wasn't what I was 00:03:55.460 |
The other thing that's interesting about this interview is that Sarah and Noah are an everyday 00:03:59.260 |
normal couple just simply trying to work their dreams. 00:04:01.860 |
In fact, as we were emailing before the interview, they were very clear and kind of a little 00:04:06.100 |
bit surprised that I'd reached out to them and saying, "We're not millionaires. 00:04:09.940 |
We're just trying to kind of figure things out." 00:04:12.080 |
So instead of today bringing you an expert on something, rather we bring you a conversation 00:04:16.900 |
between a couple of people who are just working to figure things out. 00:04:23.380 |
And so the first part of this interview, the interview is about 54, just under 54 minutes 00:04:30.020 |
The first part of the interview is talking about the bus living, the story of how they 00:04:34.320 |
The middle part is talking a little bit about what it's been like as far as them trying 00:04:39.060 |
to figure out how to build a house, how to build a house that would be affordable, that 00:04:42.900 |
would work and actually work for their family and the location that they have. 00:04:47.140 |
And they're having some real challenges in making that happen. 00:04:49.460 |
You can read on their blog some more details about the challenges that they're having. 00:04:53.380 |
And then kind of the final third is a little bit on education as far as I noticed that 00:04:58.140 |
they were educating their kids and I was interested in why because that's a subject of interest 00:05:03.460 |
And I think it's also a subject that has a lot of applicability to personal finance. 00:05:07.820 |
I had a comment on the blog from yesterday's show that seemed to indicate that maybe the 00:05:13.780 |
connection between education and personal finance was not exactly clear. 00:05:17.540 |
And this show is absolutely dedicated to personal finance. 00:05:20.900 |
We're not going to spend all our time on education, but I think it is actually an incredibly important 00:05:27.420 |
And on the next show, I will bring out some of the details as to why I think the connection 00:05:32.440 |
is so strong and why I think it really matters. 00:05:40.740 |
Enjoy listening and hearing from Sarah and Noah. 00:05:43.980 |
And I think it is a much needed refresher to a lot of times the world that I live in 00:05:50.260 |
about everything is great about living a radical lifestyle. 00:05:57.380 |
Sometimes you're really, really ready to be in the house. 00:06:04.820 |
So Sarah and Noah, welcome to the Radical Personal Finance Podcast. 00:06:07.660 |
I appreciate you making time to chat with me tonight. 00:06:13.260 |
So I've been looking forward to talking with you and I'm interested in just simply having 00:06:18.900 |
a conversation and hearing a little bit about your story. 00:06:21.940 |
The way that I found you is that I was out browsing around on the interwebs one day and 00:06:28.300 |
I was looking for, I've always been interested in bus conversions. 00:06:32.140 |
I always thought it was cool when people would buy these old school buses and convert them 00:06:38.100 |
I'm not sure if you guys, I would imagine you probably have seen a lot of that. 00:06:42.580 |
But I've always been fascinated by people who've done that and just some of the craftsmanship. 00:06:46.700 |
And then I was looking, I was wondering if anyone was living on a bus and that was how 00:06:49.540 |
I came across your website called Little Bus on the Prairie. 00:06:52.940 |
So what I would love to do is share with me just a little bit, what's your background 00:07:01.860 |
Well, the bus itself is a 1970 international school bus and we found it on Craigslist. 00:07:14.860 |
It was already converted, it had already had the second story added on and we found it 00:07:20.900 |
on Craigslist for, if you can believe it, only a thousand dollars. 00:07:28.020 |
And then we had already purchased an RV that we were planning on living out here in and 00:07:33.180 |
my husband sent the Craigslist listing to me as a joke. 00:07:48.300 |
Well, we had already purchased an RV for, I think it was 22,000 or 2,500. 00:07:57.100 |
We still have the RV too and we just never use it. 00:08:04.780 |
It's kind of like Ishmael, it wasn't the chosen vehicle. 00:08:16.260 |
The bus, it had a lot more space for one thing because it does have the upper story with 00:08:28.300 |
She couldn't have a blog called Little Bus on the Prairie with an RV. 00:08:34.700 |
If it were just a little RV on the prairie, I never would have found you in my searching. 00:08:41.140 |
Just me personally, my family, my dad actually, since I was little, has had several buses 00:08:50.980 |
Yeah, a little bit of a bus affinity, I suppose. 00:08:58.740 |
I've looked at people's photos of them on the internet. 00:09:01.940 |
So you've got quite a history in the bus conversion space. 00:09:04.420 |
Yeah, I remember helping my dad when I was little going out and drilling cabinets and 00:09:14.140 |
It seems like an incredibly massive amount of work, frankly. 00:09:17.580 |
Every time I've ever looked at them, I've said, "Wow, there are some amazing craftspeople 00:09:21.820 |
that have put together some amazing projects." 00:09:31.940 |
It was already pre-converted, but Noah did a lot and family members and all came and 00:09:45.980 |
It had carpet that was probably 20 years old and everything was mildewy and it was really, 00:09:55.460 |
So what were the circumstances that led to your actually wanting to live in the bus? 00:10:04.180 |
Well, it kind of goes back to when we were first looking back in 2012. 00:10:15.260 |
We were looking for a house to buy and everything back in 2012 was priced really, really low. 00:10:23.620 |
All the houses that we were interested in kept getting snatched up by investors. 00:10:28.980 |
Noah, when he was a kid, built a house with his parents out of adobe out in Arizona. 00:10:36.340 |
He'd always wanted to build his own house as an adult. 00:10:40.980 |
So we started looking at vacant land and we found the land that we were on that we eventually 00:10:53.060 |
Once we started looking into what building a house would entail and the fact that it's 00:10:59.540 |
very, very expensive, I think that we just kind of, both of us were like, "All right, 00:11:06.420 |
if this is the route we're going to take and this is the path, then we need to be able 00:11:15.940 |
It's really difficult to afford interest payments on a construction loan and pay rent at the 00:11:22.980 |
So it was the idea though must have come from your dad's, did the idea come from the fact 00:11:31.580 |
that your dad had done various bus conversions? 00:11:34.740 |
It's just the reason I'm asking is it's not most people, many people that I've worked 00:11:39.580 |
with, if you want to build a house and you're living in an apartment, you just continue 00:11:42.780 |
as is and you just borrow a little extra money. 00:11:46.680 |
Most people that I've worked with don't often say, "How can I again move into a bus?" 00:11:52.920 |
Was it the fact that your dad had done it or does this just seem like a good idea you 00:11:57.240 |
Yeah, I don't think, I think it was just a good idea. 00:12:00.240 |
We kind of thought it was going to be an adventure and a little more exciting. 00:12:07.120 |
We had to be out on the property and kind of see it. 00:12:09.080 |
We also thought the process was going to go much smoother and faster. 00:12:12.080 |
But yeah, it seemed like it was going to be interesting. 00:12:17.640 |
So what's great about it and what stinks about it? 00:12:27.840 |
We just got off a couple weeks of triple digit heat wave out here and I am about eight months 00:12:41.200 |
So the good things have, the bloom is off the road. 00:12:49.000 |
I mean, being out here with the kids, there's plenty of stuff to run around and do and power 00:12:58.400 |
As far as being in the bus, I think the funnest part is staying outside of it. 00:13:05.760 |
So this is actually what I was interested in because what happens is that we as a society, 00:13:13.680 |
we tend to spend most of our time writing and talking about things that are awesome. 00:13:19.640 |
And so if you were to guess just by the internet memes that go around, then you would assume 00:13:32.560 |
Living full time in RVs is just the way to live. 00:13:36.320 |
Tiny houses are practically just the greatest gift from heaven, allowing you to get rid 00:13:44.000 |
And just these kind of wild and radical and crazy things are, again, awesome. 00:13:53.000 |
I think that they can be awesome adventures, but yet I think I take a little more realistic 00:13:59.400 |
view and I could imagine your bus doesn't have air conditioning, is that right? 00:14:07.760 |
So triple digit temperatures in your eighth month of pregnancy, that would be a challenging 00:14:18.400 |
Essentially, we're in a tin can which reflects the heat. 00:14:22.680 |
But yeah, there's a lot of people at work that kind of know what I'm doing and the conversation 00:14:27.400 |
about tiny houses and minimalist living and all that kind of stuff comes up quite a bit 00:14:31.920 |
because they think that that's kind of my mentality and it's not. 00:14:38.760 |
So I think it kind of seems like a romantic kind of thing. 00:14:42.560 |
I think people kind of put a lot of emotion into it and it's a nice thought. 00:14:50.720 |
I mean, I think your circumstances are different. 00:14:54.320 |
With three kids, a small space becomes very, very small. 00:14:58.720 |
I think the thought of it gets a lot of people excited, but actually getting down to it, 00:15:06.640 |
It's so interesting that you say that though about the internet and all that kind of stuff 00:15:09.960 |
because when we first embarked upon this journey, I was totally taken in by that. 00:15:18.640 |
I was actually just writing a post the other day. 00:15:21.920 |
It's hard to put into words because I feel very disillusioned by the allure of small 00:15:31.040 |
We're living without 80% of our belongings right now. 00:15:36.840 |
Although we have less stuff, we also have less space. 00:15:41.360 |
On the one hand, there is the appeal that it's like we have all the stuff that's gone 00:15:55.440 |
You don't need nearly as much stuff as you think that you do, but on the other hand, 00:16:00.400 |
trying to cram even 20% of your stuff into a smaller space with three children and being 00:16:18.800 |
There's some kind of problem with the radiator, which would probably be an easy fix, but we 00:16:25.480 |
drove from where we lived to where we picked up the bus. 00:16:30.640 |
It's probably 40 or 50 miles and it took us almost eight hours. 00:16:37.240 |
So it's not the most effective means of transportation. 00:16:42.880 |
But that's another thing, too, that lately I've been thinking so much about because like 00:16:49.280 |
you said, there are so many blogs out there about living in an RV and I stumbled upon 00:16:54.720 |
this blog that was linked to on another blog or whatever about this Tickner family. 00:17:00.080 |
I think it's like T-I-C-N-O-R, TicknerTribe.com. 00:17:04.800 |
And they have 12 kids and now they're down to nine or whatever and they all travel across 00:17:12.000 |
Yeah, they grew up and moved on and they're off doing their own thing now. 00:17:22.760 |
And like you said, they write about it and they're so exuberant about it and this is 00:17:34.840 |
And then looking at their space, they're in a brand new RV. 00:17:39.360 |
Not brand new, I shouldn't say that, but it's much newer than 1970. 00:17:43.440 |
You know, they're in a new RV with slide outs and they've got TVs and they've got couches. 00:17:47.560 |
Even though I'm sure it's a super small space and they've got a ton more kids than I do 00:17:55.440 |
And I think I read that they have like a 15 passenger van that follows along with their 00:18:03.760 |
So it's like every situation is totally different. 00:18:06.760 |
They have more kids but a newer space and they're mobile. 00:18:10.640 |
And we're in a much older vehicle, I guess, with smaller kids but I'm also pregnant and 00:18:21.840 |
we're just kind of stuck out here in the heat. 00:18:26.280 |
And then I had another reader of the blog had emailed me and it was just her and her 00:18:30.640 |
husband and they were going to be moving into an RV, just the two of them while they built 00:18:38.880 |
And she was like, "Do you have any suggestions? 00:18:42.880 |
And it was like it's a completely different situation. 00:18:45.760 |
You know, again, like a newer RV, just the two of them. 00:18:49.960 |
And it was like, "You guys are going to be fine. 00:18:54.240 |
You know, a lot of the challenges that we're facing have to do with our particular situation. 00:19:01.160 |
Also, probably because you're in something of a transition between lifestyles. 00:19:06.800 |
And my wife and I learned this when we first got married. 00:19:10.400 |
And when we first got married and after getting married, we moved in together. 00:19:17.280 |
We lived in a studio apartment that was a total of 243 square feet. 00:19:43.380 |
It was right in the middle of downtown West Palm Beach. 00:19:50.960 |
Sometimes we could easily walk to the downtown areas. 00:19:56.080 |
My wife could walk to work or ride her bike to work. 00:20:01.360 |
But it was just a super great living circumstance. 00:20:04.760 |
And what I observed was that in the first couple of days of my being there, it felt 00:20:17.460 |
But after about three or four or five days, it just felt like this is what we do. 00:20:22.520 |
And then when we moved out of that little tiny apartment into the massive, I don't know, 00:20:27.040 |
not massive, but I guess 2,000 square foot house or something like that that we live 00:20:30.640 |
in now, it felt massive for a couple of days. 00:20:38.920 |
But the thing that was the most frustrating about being in the studio was that we knew 00:20:58.520 |
What do you do with all of this gear, this stuff that just goes with life? 00:21:05.240 |
If you were going to live in a bus forever, you would probably downsize a lot of those 00:21:08.460 |
things that you needed in order to make it work. 00:21:12.480 |
But if it's just a transition time, then you're kind of caught with the lifestyle that fits 00:21:20.280 |
And that was just my observation is that the people who seem to, I would say, kind of live 00:21:25.880 |
those lifestyles most successfully and with the greatest joy, it's because it's not for 00:21:32.040 |
the purpose of glorifying living in a tiny house. 00:21:38.440 |
It gives them an opportunity to experience something they wouldn't otherwise have the 00:21:45.120 |
Or if you're living in an RV because you're traveling, that's a very different thing than 00:21:49.040 |
if you're just living in an RV because that's what you do. 00:21:54.400 |
If you're dropping your baggage and getting on the road or doing whatever you're doing, 00:22:00.880 |
I think that's, you're looking for a freedom there. 00:22:09.440 |
If we were looking at this as a long-term thing, then I think, well for one, mentally 00:22:15.200 |
I think you prepare a little bit differently. 00:22:19.000 |
And like you're saying, you make different decisions to get rid of some of that gear 00:22:22.880 |
and pass that stuff on or whatever you're going to do as opposed to, yeah, the transition 00:22:27.640 |
area is kind of what makes it more difficult because you're kind of caught in between, 00:22:34.560 |
And I've noticed that with getting utilities out here and running water and getting hot 00:22:38.400 |
water going and my solar panels and all that, it's always kind of with the caveat that, 00:22:46.160 |
So if it's a more permanent fixture, I think you can kind of dig in a little more. 00:22:53.440 |
You can customize things more to a permanent lifestyle. 00:22:57.080 |
Like as far as even making things comfortable, there are things that we've talked about where 00:23:04.160 |
If it's only going to be for this long, is it worth the money and the time investment? 00:23:08.680 |
Those kinds of things to where it's kind of a difficult tradeoff sometimes. 00:23:15.640 |
If you're not going to be somewhere for a long period of time, there seems to be little 00:23:19.560 |
sense in putting a lot of effort into improving it. 00:23:24.080 |
But I mean there's still the thought in my mind that's like, alright, well how can I 00:23:28.040 |
You know, like if we don't want to go into debt with this huge house, what could we do 00:23:35.040 |
And usually it's a pretty short thought, but it would be possible and change things up 00:23:44.400 |
Are you going to kind of build the house little by little while you can? 00:23:53.400 |
I think we're still, I mean we're so far down the path with the house. 00:24:03.200 |
We just found out the other day that our contractor didn't pass the credit check. 00:24:07.760 |
So we're like two weeks out from closing on our construction loan and now we don't have 00:24:15.680 |
So you know, some interesting thoughts go through your head. 00:24:18.840 |
I think we're still going to stay the course and do the loan. 00:24:22.440 |
With the kids and everything, I think we've talked about it and that's kind of the lifestyle 00:24:31.440 |
Yeah, and we also, I mean when we first were looking at the land and I think when we first 00:24:36.800 |
bought it, we talked about so many different options. 00:24:39.600 |
I mean I was checking out books from the library on like straw bale and adobe and just all 00:24:47.520 |
We've talked for a long time about SIPs or structurally insulated panels. 00:24:55.960 |
Growing up my parents built their house and they used adobe and they did it all themselves. 00:25:03.760 |
Growing up it was a great experience and I got to see them do that and be a part of it. 00:25:08.240 |
I've always kind of thought that's what I would do. 00:25:10.440 |
The original plan was to buy some land and I'll build a house myself because I can do 00:25:15.400 |
The more we got into it and everything and where we live, permits are insanely expensive. 00:25:24.880 |
I can't be a husband and a father and a good employee and do all this while I'm building 00:25:38.000 |
So you're right in Code Happy, in the middle of, sounds like Code Happy Municipality, is 00:25:55.600 |
I spent some time here as a kid and then my parents moved to Arizona when I was in middle 00:26:02.200 |
It took me a while to get back but I can't imagine being anyplace else. 00:26:07.400 |
I spent some time on the East Coast and up in the Northwest and there's just really no 00:26:16.600 |
One of Noah's sisters lives close and my parents are just like 10 miles away or something. 00:26:24.560 |
So you're going with more just traditional kind of mainstream construction methods then 00:26:32.760 |
After looking at a lot of the options, I mean it's hard to find a general contractor that'll 00:26:38.720 |
And then I looked at things like shipping container homes and a whole bunch of different 00:26:45.200 |
But it's harder to get them permitted a lot of times, especially shipping containers specifically. 00:26:49.240 |
I was really excited about those and getting them permitted and letting, the county letting 00:27:01.000 |
So greasing all those palms is not financially viable. 00:27:06.160 |
So after looking at all the options, and I wanted to try to stay as green as possible. 00:27:13.160 |
So the SIP panels and stuff like that, great insulation, all this kind of stuff. 00:27:17.600 |
But the more research I did, the payback on it was like 80 years. 00:27:23.240 |
So it's great that I'm saving electricity but if it takes me 80 years to pay them off, 00:27:30.400 |
It's interesting because it brings up a, brings up the conundrum. 00:27:41.200 |
And I'm very interested in, I don't know what the right term would be, I guess I'm interested 00:27:55.920 |
Because it's easy to dismiss everything that we do today as being without form or without 00:28:04.200 |
Why do we build these houses out of this material? 00:28:07.760 |
And it's easy to kind of just on the one hand dismiss the work of many knowledgeable people 00:28:18.080 |
And I'm guilty of that myself many times, of just kind of saying, "Ah, this is all stupid. 00:28:22.520 |
We should all go and live in rammed earth houses. 00:28:29.160 |
But as the more I look at it though, and the more I study, I see that there really are 00:28:32.440 |
some interesting techniques that just don't seem to be applied. 00:28:39.280 |
I look around and I look at the developments in the communities and things around here 00:28:46.320 |
And they're very strong for hurricanes, but they're woefully inefficient as a energy inefficient. 00:28:53.400 |
And they're just expensive to live in and expensive to maintain." 00:28:58.020 |
But the problem is I choose to live in West Palm Beach, Florida and the code system is 00:29:02.000 |
very well intentioned to keep everyone safe and to keep the houses safe, but it destroys 00:29:06.560 |
any possibility of using some of the alternative methods. 00:29:13.520 |
So I look longingly at some of the alternative methods and think and constantly design in 00:29:18.040 |
my head how I could design a house that wouldn't need to run an air conditioner year round 00:29:24.000 |
And I've got some pretty good ideas that I think would work, but I can't do them. 00:29:40.360 |
I know the codes are there to help protect people and stuff like that, but essentially 00:29:50.120 |
But I guess down the line that would matter more. 00:29:54.680 |
But a lot of the alternative methods and stuff like that, a lot of it is code issues or just 00:30:02.000 |
the price points haven't gotten down to a point where it's reasonable to do those things. 00:30:07.760 |
It's unfortunate that it's worse for the environment, but it's more financially viable to run your 00:30:13.160 |
air conditioning all year long as opposed to doing a poured concrete house or using 00:30:19.000 |
That's unfortunate, but until more bigger builders start using those, that technology 00:30:25.120 |
Until they're able to mass produce and market it in such a way, you're going to have those 00:30:31.840 |
I think in our lifetime, I think we'll see it where we really adopt those methods and 00:30:37.480 |
the price comes down to a point where it's sustainable and it makes sense for builders. 00:30:44.320 |
Here's what I want, and maybe you've seen it. 00:30:46.200 |
I haven't seen anyone do this yet, but I want completely modular building structures. 00:30:54.520 |
I want somebody, and I don't care if this is built off of shipping containers, built 00:30:58.320 |
it on trailers, built it with ... It should be easy to create this, but basically, build 00:31:05.400 |
for me a ... Let me buy a living room unit, a bedroom unit, a kitchen unit, and a bathroom 00:31:13.080 |
Let's say the thing costs me 20 grand, 5,000 bucks a unit, and put it on my land, put a 00:31:21.040 |
Then when I have a baby, I need another bedroom, I call up and I order another bedroom unit 00:31:26.840 |
If I need another bathroom, I order another bathroom and bolt on another bedroom and bolt 00:31:33.280 |
Then when I'm done with it, I just turn around and I sell ... Kids grow up, move out of the 00:31:39.480 |
They sell one of the bedrooms and the truck comes by, picks it up, takes it on to somebody 00:31:46.480 |
That's my idea for how I think housing should work. 00:31:56.360 |
I just found somebody in France who has built a house. 00:32:01.840 |
It wasn't quite this way, but they built the entire thing out of rigid foam, structural 00:32:08.600 |
foam panels, almost maybe about three feet wide, about two feet thick. 00:32:17.160 |
They put the entire thing together with these panels, 40 feet long, meaning the floor and 00:32:22.080 |
the ... Not the floor, the roof, the actual ceiling. 00:32:27.800 |
The video online looked awesome as far as the technology. 00:32:32.040 |
I think it's silly that we're building with the same technology that we've been building 00:32:35.400 |
with for basically hundreds of years without any changes and without any updates. 00:32:45.920 |
The structural insulated panels, I think that's similar to what you're talking about. 00:32:49.960 |
It's like a particle board on both sides with a sandwich of high-density structural foam 00:32:57.880 |
I think Europe's a little bit, quite a bit ahead of the curve as opposed to us here on 00:33:03.920 |
adopting stuff like that and making those changes. 00:33:07.680 |
Even just taking the smaller step and even just looking at what we call a modular home 00:33:14.000 |
today or a manufactured home, which we also attempted, being more environmentally friendly 00:33:27.040 |
Everybody that we've talked to and told about our project or what we're doing has said, 00:33:33.800 |
It's unfortunate in some ways also that for one thing, that manufactured housing still 00:33:44.120 |
has a pretty strong stigma about it as far as resale value and that kind of stuff and 00:33:49.720 |
having to have it on your title that it's a manufactured house. 00:33:53.200 |
It really brings down the value of the home still in a lot of cases. 00:34:02.080 |
In our experience, what we've looked at, the quality in some instances is not as high. 00:34:10.560 |
In our attempt, actually, the main reason we wound up not going with modular had to 00:34:15.160 |
do with the company that we were working with primarily more so than those reasons. 00:34:23.480 |
It turns out, too, that going with a traditional build, the projected value of the home is 00:34:29.160 |
way higher than it would have been with a modular, which is unfortunate. 00:34:34.960 |
This is interesting how the interplay between the financial markets affects the technology 00:34:42.420 |
One of the major problems, at least that I've observed, of all of the alternative designs, 00:34:47.840 |
whether you're going to build with a geodesic dome or whether you're going to build an earth 00:34:51.600 |
chip or whether you're going to build a straw bale or a modular house, the problem oftentimes 00:34:58.160 |
with all except the modular house comes with how do we get financing. 00:35:03.080 |
Let's say the house is valued at $50,000, $100,000, $150,000. 00:35:07.640 |
There are many fewer people who are able to simply pay cash for the house no matter how 00:35:14.280 |
If you don't fit into the traditional mold, then the finance company often has little 00:35:24.000 |
You're right, exactly on the modular home, is the technology, at least just from my understanding, 00:35:31.280 |
There's no reason why you can't use a modular approach to create a phenomenal house. 00:35:37.760 |
In many ways, some of the biggest buildings in the world are modular buildings. 00:35:45.440 |
A skyscraper is basically a system of girders that is you have a certain amount of poured 00:35:50.520 |
concrete and then the girders are all bolted together and it's all planned out, designed 00:35:54.000 |
and constructed offsite and disassembled onsite. 00:35:58.040 |
The financial system and the financing system doesn't support it and then the market has 00:36:04.600 |
We continue to perpetuate the broken cycle simply because that's what is better for our 00:36:16.240 |
If we would have had more, I think we talked about building it a little bit as we go so 00:36:26.720 |
we wouldn't have to really play that financial game. 00:36:32.080 |
But then you're in a situation where the longer it goes on, if you're doing it piece by piece, 00:36:41.920 |
You've only got a certain amount of time where you have to show a certain amount of progress 00:36:46.160 |
Yeah, maybe it's saving up that much money in a short amount of time wasn't viable for 00:36:53.520 |
Well, good for you for working hard with what you got. 00:36:58.560 |
San Diego County is probably not a great place to try to be innovative. 00:37:04.560 |
But I pay a lot of attention to what some of the guys out and gals up in Utah or up 00:37:11.160 |
in Tennessee or up in Montana or Wyoming or out in the middle of nowhere or in Texas and 00:37:17.800 |
non-incorporated areas in Texas where you can just do it. 00:37:20.520 |
That's where a lot of the real innovation is happening and I'm excited to see some of 00:37:24.320 |
the technologies that are being developed there. 00:37:27.000 |
But good for you for working with what you got. 00:37:30.680 |
I have one other question for you and then we'll wrap up and anything else that you have 00:37:37.400 |
I noticed on your site that you guys do home education with your kids? 00:37:43.720 |
Yeah, we're actually part of a local charter school. 00:37:56.160 |
So my oldest, the only one that's formally in school right now, she's in first grade. 00:38:01.440 |
So she goes to what they call workshop two days a week with a teacher in a classroom 00:38:09.920 |
And then the other three days I teach her from home. 00:38:15.040 |
They provide a standard curriculum and they guide it day by day. 00:38:22.080 |
But they also allow you a lot of freedom to do things how you want to do them, how best 00:38:28.560 |
fits for your student and your lifestyle and stuff. 00:38:33.160 |
Is that sponsored by the public school system? 00:38:42.120 |
So it does still have to go through all the state standards and all that kind of stuff. 00:38:49.640 |
But just the actual program itself allows for a lot of individuality and freedom. 00:39:00.920 |
Why did you decide to participate in that versus just simply designing your own plan 00:39:08.040 |
Well, when we first started considering homeschooling, I thought that that kind of what I thought 00:39:14.880 |
I did think that it was kind of like either or. 00:39:16.760 |
Either you go to public school or you go to private school or you homeschool. 00:39:25.480 |
And I think for a lot of parents, even just considering the choice to homeschool, it can 00:39:29.280 |
be really intimidating, you know, taking that huge responsibility onto yourself. 00:39:33.640 |
I did a ton of research and I was all prepared to go it on my own when somebody introduced 00:39:43.800 |
And I guess my first reaction to it was kind of like, "Wow, it sounds like homeschooling 00:39:51.040 |
It's just kind of like you get to put your feet in the water. 00:39:56.840 |
I mean, I was staying home with my kids all day anyway, but to actually have a formal 00:40:01.040 |
schooling environment and what is that actually like? 00:40:08.120 |
And my daughter, my oldest, she's in first grade, she really, really, really wanted to 00:40:16.760 |
And she loves going to class and she loves seeing her friends. 00:40:21.600 |
So for her, I think it's mainly a social drive that really keeps her wanting to go those 00:40:37.560 |
As we've gone along these past couple of, you know, kindergarten was our first year 00:40:43.640 |
I've kind of craved a little bit more freedom. 00:40:47.520 |
I've written about it a little bit on the blog, just a little bit. 00:40:50.240 |
My instincts kind of tend a little bit more toward like the unschooling school of thought 00:40:59.360 |
where I do, especially at these younger ages, I just kind of want to let them go and play 00:41:03.200 |
and learn naturally rather than sitting down and here now we have to do this and now we 00:41:08.720 |
have to fill out this worksheet and that kind of stuff. 00:41:12.600 |
So I would like to have a little bit more independence, but she just loves going to 00:41:29.640 |
And it is nice to be able to spend time with my younger two, those two days when she's 00:41:36.720 |
I can't imagine anybody objecting to first grade. 00:41:41.200 |
Now fourth grade on the other hand, or sixth grade or seventh grade, that's a different 00:41:49.560 |
The children are sweet and the activities are fun. 00:41:58.440 |
It's when you sit at the desk all day and study a textbook that was put together that's 00:42:10.520 |
That's when you start to have more challenges. 00:42:14.600 |
It's interesting that you talk about the new model. 00:42:16.200 |
I have some good friends of mine who have gone back and forth and they're currently 00:42:22.720 |
And they're using, their version is not a charter school. 00:42:29.000 |
But they do, I think it's two days in class and then three days at home. 00:42:35.560 |
And I think that can really be an advantage for families busy. 00:42:42.540 |
That can really help with some structure that takes a little bit of the stress and the pressure 00:42:46.680 |
off while still retaining many of the valuable benefits of basically not being in school. 00:42:54.800 |
But hopefully avoid the problems of being in school. 00:42:59.880 |
I would love to see, one of the things I personally predict, I'd love to see hundreds and hundreds 00:43:04.280 |
of new models created and new people try things and compete. 00:43:07.960 |
And I love that that charter school has that model to compete with the other approaches. 00:43:12.280 |
What was your path to, why did you, what even raised the idea for you of considering taking 00:43:23.840 |
I think for me, well, for me, I was public school raised all through K through 12. 00:43:29.840 |
And I always thought that homeschooled kids were kind of weird. 00:43:33.960 |
And so it never really occurred to me to do it until my oldest probably hit around two 00:43:40.160 |
or three when you start thinking maybe a little bit about preschool or school or just what 00:43:48.400 |
And it just kind of occurred to me that even within the next couple years or whatever, 00:43:52.240 |
I wasn't going to be ready to send her to somebody else eight hours a day, you know, 00:44:00.600 |
and see her less than somebody else was seeing her, you know, and kind of give away that 00:44:10.360 |
And so that's when I really started researching. 00:44:12.680 |
I started going on homeschooling blogs and I started talking to women that I knew that 00:44:19.280 |
And it really changed my perspective on it, you know, because one of the most common questions 00:44:25.800 |
and the question that I had too was like, "Well, you know, they're never going to be 00:44:29.040 |
It's just such an obnoxious question to homeschool moms I have since discovered. 00:44:37.080 |
And just kind of having people sit down and be like, "No, no, no. 00:44:43.320 |
Because actually, you know, in many situations, a homeschooled kid is being socialized much 00:44:53.320 |
more naturally than sitting in a classroom with 30 of his same-aged peers, you know, 00:45:00.360 |
You know, they're going, they go with me to the grocery. 00:45:03.200 |
They go with me everywhere, you know, so they're getting more of an idea of what real life 00:45:08.640 |
They would just sitting in the classroom eight hours a day, five days a week. 00:45:14.520 |
Is that what was the, is that the argument that was compelling for you to allay your 00:45:22.560 |
And just the fact that, I mean, not with regard to socialization, but just the fact that, 00:45:29.600 |
you know, up until they start school, you teach them everything they know. 00:45:33.640 |
You know, there's no reason why as soon as they turn five, you know, and that cutoff 00:45:37.640 |
date passes that you stop knowing more than they do. 00:45:41.840 |
You know, you don't lose your ability to teach your children right at that instant, you know, 00:45:47.840 |
because you don't have a certification or accreditation. 00:45:50.840 |
Yeah, for me, I went along with it because I didn't want to let her go. 00:45:55.640 |
She's, you know, come back with, and they're like different kids, you know. 00:45:59.800 |
I saw it like with my nieces and stuff like that, you know, you kind of see it change, 00:46:04.920 |
So when Sarah started bringing up, you know, thinking about homeschooling, I was like, 00:46:12.840 |
And I think also with the homeschooling model that the charter introduces, I've heard it 00:46:19.680 |
referred to as a university model, you know, where it is just a couple days a week or whatever, 00:46:26.520 |
that the family environment in comparison to a public school is a little bit different 00:46:31.280 |
because there does have to be at least one parent at home with the kids, you know. 00:46:36.560 |
One parent has to be involved with that child, you know, day to day and with their education 00:46:43.760 |
And I think that there's a difference, you know. 00:46:48.000 |
There's a difference in the culture of the school and in the classroom and the parents 00:46:54.840 |
that you meet, you know, and then the kids' behavior too, I have to say. 00:47:01.480 |
My wife and I, we have one son and he's one year old, so we haven't been, you know, you're 00:47:07.080 |
a few years ahead of us as far as actual experience. 00:47:10.480 |
But in watching it, and we hope to take charge of his education at home as well. 00:47:19.200 |
But in watching it, one of the things that I observe is many times people mix up a lot 00:47:26.260 |
So for example, oftentimes we use interchangeably the word school and education. 00:47:34.260 |
School versus education is very different if you actually kind of explore some of the 00:47:41.140 |
And other things, so for example, I've got issues with, I personally have some issues 00:47:45.640 |
with how the schooling system works for the negative socialization for the way that you 00:47:50.420 |
say, like exactly the concern that many people have about kids that are educated at home. 00:47:57.740 |
The same concern that they have, I have the opposite concern. 00:48:01.060 |
And I've observed that kids are probably going to turn out just about like their parents. 00:48:06.500 |
So if the parents are awkward, socially awkward, it's likely that the kids are going to be 00:48:14.460 |
And if the parents are socially adept, then it's likely that the kids will be socially 00:48:19.560 |
adept because they're going to model their parents. 00:48:21.940 |
So people oftentimes have met, we've all met, man, there are some awkward kids in school 00:48:32.700 |
I mean, there are some socially awkward parents in every part of society. 00:48:36.540 |
So I think that's a poor basis of judging the results that somebody gets with an educational 00:48:43.660 |
I look at it and I say, the idea that the valuable socialization is from a classroom 00:48:50.840 |
filled with eight year olds or filled with 15 year olds, that that's the valuable socialization. 00:48:56.900 |
This is a very strange concept in the history of the world. 00:49:00.120 |
Throughout history, society has always been integrated. 00:49:04.160 |
And you've had an integration of children, fully integrated with parents, grandparents, 00:49:12.880 |
I forget the person who popularized the saying, but the saying of it takes a village to raise 00:49:23.320 |
And yet in our society and in modern society, we've embarked on this very strange idea that 00:49:29.160 |
somehow the best person to teach a 13 year old girl socialization skills is another 13 00:49:47.760 |
And I learned this even from my own personal experience. 00:49:50.000 |
I was, with the exception of third grade when I was in public school, I was educated at 00:49:56.200 |
home through seventh grade and then I went to a traditional private school. 00:50:00.520 |
And in seventh grade, I always felt like I got along great with adults. 00:50:09.460 |
And then I had to learn all these new skills of somehow fitting into these weird cliques 00:50:12.980 |
and the cool kids and the not cool kids and all this weird stuff I'd never had to deal 00:50:17.480 |
And it wasn't until I finally got to college again that I started to feel kind of more 00:50:20.200 |
normal because people backed off of the silly high school stuff. 00:50:26.560 |
And then when I became an adult and I recognized, wow, people don't care about what I look like 00:50:31.220 |
and they don't care about these silly things. 00:50:35.280 |
It was such a freeing concept that I hadn't had since I was in sixth grade. 00:50:39.500 |
Well, it's interesting too that you bring that up because one of the conversations that 00:50:44.400 |
I have with one of my brothers, he doesn't have any kids yet, but he's so interested 00:50:49.320 |
in our journey with the homeschooling and stuff. 00:50:51.600 |
His point is that we went through school and I have four brothers and I think all of us 00:50:56.960 |
kind of took our knocks as far as getting picked on. 00:51:02.180 |
And it was kind of like, well, even though that was a terrible experience, bullies and 00:51:08.100 |
having to deal with that kind of stuff, it teaches you empathy. 00:51:12.580 |
And he was like, "Do you feel like your kids are going to be missing out if they don't 00:51:18.700 |
experience that or just being picked on by other kids of their age?" 00:51:25.860 |
And I don't think that there's any parent out there that's like, "No, I really want 00:51:33.980 |
But I think that one of the biggest things is that most of our generation was public 00:51:44.260 |
And if that's not the right way or if there's other ways, it kind of makes it feel like 00:51:59.500 |
I feel like a lot of people feel in danger of having their experience invalidated. 00:52:05.260 |
I went through public school, so you have to go through public school. 00:52:07.700 |
You're going to learn the same things that I learned. 00:52:09.500 |
You're going to go through that school of hard knocks. 00:52:13.580 |
And I think it takes courage to look back at that and be like, "No, maybe that wasn't 00:52:22.180 |
I think you just proved your concern even in the statement that you just made. 00:52:27.760 |
If school were about education, then we wouldn't have any concerns about the social fear of, 00:52:36.540 |
You've got to go through what I went through." 00:52:39.060 |
If school were about education, we would applaud those who had achieved an excellent education. 00:52:45.100 |
But our concerns are generally from a social perspective. 00:52:48.700 |
If people aren't taught their place, if people aren't taught their class, if people are not 00:52:52.700 |
taught these certain things, whether it's -- I won't give any examples, but if people 00:53:01.180 |
are not taught this common core of what they need to know for everyone to be the same, 00:53:12.060 |
I think you just proved the point, even in what you were saying, logically, that it's 00:53:17.620 |
less about education and it's very much about organizing society, at least in my observation. 00:53:26.860 |
I have a friend, a close friend, who was homeschooled her whole life, but she grew up very isolated. 00:53:41.300 |
The neighbors who lived in a bus, but that's beside the point. 00:53:49.780 |
She actually went through kindergarten through her sophomore year of high school before she 00:53:53.700 |
finally was like, "Okay, I'm going to public school now." 00:53:59.740 |
She felt like she didn't want to be homeschooled anymore. 00:54:13.740 |
As far as I know, she hasn't decided what path she's going to take. 00:54:17.900 |
From talking to her, she said that one of the things that was really neat was that when 00:54:20.660 |
she went to high school, she had so many fears that she was going to be so far behind in 00:54:26.500 |
She felt like she'd missed out on all this stuff. 00:54:38.340 |
It didn't take very much at all for her to figure out where she was and what she was 00:54:50.140 |
I think that that's another fear, too, that people have is that, "I take my kid out of 00:54:54.060 |
this environment and someday they want to go back. 00:54:56.220 |
They're going to have this huge gap, all these learning gaps or something like that." 00:55:05.740 |
I just don't think that that's necessarily a realistic fear because there are so many 00:55:09.460 |
things that we think that we have to teach children and that we have to cram into their 00:55:17.020 |
They have to know their numbers and how to add and all these things. 00:55:20.780 |
As you get older, those things are really, really easy and quickly taught and quickly 00:55:25.180 |
Any learning gaps that there might be are pretty quickly covered once you realize that 00:55:33.940 |
You realize, "Oh, I never learned about this era of history." 00:55:38.380 |
Then you pick up some books and you read about it. 00:55:45.540 |
I'm interested, even on this show, about some of the ways that if we take a little bit more 00:55:54.260 |
interest in thinking farther ahead than general society does. 00:55:59.820 |
The problem that general society has, especially the problem that politicians and policymakers 00:56:07.420 |
and bureaucrats face, is that they have to think of the common good. 00:56:13.660 |
They have to design systems that work for all people. 00:56:17.740 |
If they're going to design a schooling system, they need to design it in a way that's going 00:56:22.880 |
Maybe they'll have a little bit of variability there. 00:56:25.580 |
You may have a gifted program, but there you have two programs. 00:56:29.100 |
You've got to fit everybody into one of these two tracks. 00:56:32.900 |
As individuals taking charge of our own lives and hopefully our own children's educations, 00:56:42.860 |
We can customize things exactly based upon our goals and based upon our kids' goals. 00:56:48.940 |
When you look at the incredible start that you can give to a child, whether it's from 00:56:54.380 |
an educational perspective, connecting them not with the teacher who happens to be the 00:56:59.820 |
teacher in the local school, but rather with a world-class teacher who's the best in the 00:57:04.340 |
world in the subject that they're interested in, or whether it's not designing the curriculum 00:57:09.940 |
that has to work for everyone, but rather let's do this world-class curriculum. 00:57:14.660 |
We read primary documents or something along those lines. 00:57:19.340 |
Or whether it's just the financial perspectives. 00:57:21.180 |
I know many have read and met many home-educated kids who finished their bachelor's degree 00:57:28.060 |
from an accredited university by the time of 18. 00:57:31.220 |
You can basically dispense with the idea of having to deal with that stuff after the primary 00:57:36.900 |
years and you can really help a student go out ahead if they're academically gifted. 00:57:42.060 |
Or you can do, I'm getting ready to bring a guy on the show who all of his sons so far, 00:57:47.420 |
his three older sons and his two others are on track for this, have been able to purchase 00:57:52.140 |
a home debt-free by the time they were in their 20s and got married. 00:57:56.740 |
Well, that happened because they were educated at home and were able to really focus on vocational 00:58:02.060 |
skills that then they could use to enhance their life. 00:58:04.300 |
So I think even from a personal finance perspective, it's an incredibly exciting opportunity when 00:58:10.580 |
you think of how we can really set our children on a stronger course than perhaps we had the 00:58:19.980 |
So anything else, any other ideas that you have or anything else that you'd like to share 00:58:27.580 |
Well, I would just encourage you guys to keep doing what you're doing and keep writing honestly 00:58:37.740 |
And remember the famous wise words of philosophy, "This too shall pass." 00:58:44.460 |
So hopefully soon you'll meet your new little one and all will be forgotten as you watch 00:58:53.140 |
And in the meantime, I wish you great wisdom as you face all of the challenges with getting 00:59:02.860 |
I know it's going to be a draining, it's going to be a very challenging and draining process, 00:59:07.140 |
but the end result, I'm sure you will enjoy living in your house much more after having 00:59:14.340 |
I should mention we're cultivating a lot of gratitude. 00:59:21.580 |
Is there anything else you'd like to mention before we wrap up? 00:59:25.900 |
As we go here, where people can find you or anything like that? 00:59:36.660 |
Turn off the phones and spend time with your kids. 00:59:39.140 |
Thank you guys for taking the time to come on the show. 00:59:51.900 |
Let that send you off with an idea and maybe this weekend you could be thankful for the 00:59:57.980 |
house that you're living in with the air conditioner that you're living in. 01:00:01.380 |
I think that it may have helped to bring out some information as far as some of the good 01:00:06.660 |
things and the bad things and just the challenges of life sometimes of working through with 01:00:11.460 |
contractors and working through trying to figure out how do we afford the lifestyle 01:00:17.100 |
In many ways, it's just kind of a dose of reality. 01:00:25.980 |
Next week, I've got a number of shows lined up for you. 01:00:29.060 |
I've got three interviews at least in the hopper already which are excellent interviews. 01:00:33.700 |
I think you're really going to enjoy those details next week. 01:00:36.340 |
I'm not sure what order I'm going to play them in. 01:00:38.380 |
And then I may actually run a couple more interviews next week because I've got some 01:00:42.140 |
projects I need to finish up and I may not have the time to finish the teaching shows 01:02:11.820 |
Get the perfect gift for the wine lover in your life at WineEnthusiast.com. 01:02:31.820 |
Find the best prices on the perfect wine gift for you, I mean, for someone special this year.