back to indexRPF0110-Christopher_DeLaney
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Today on the show, we talk about saving money with bicycling. 00:00:36.560 |
My guest is a man named Christopher Delaney, and he and his wife have two small children 00:00:42.880 |
and manage all of their family transportation without a car. 00:01:04.320 |
Welcome to the Radical Personal Finance Podcast. 00:01:06.560 |
My name is Joshua Sheets. I thank you for being here. 00:01:12.480 |
And today, we're going to spend a little time on the saving money side of the equation. 00:01:17.600 |
Talk about using bicycles as a form of transportation. 00:01:21.040 |
One of the benefits is saving a bunch of money, but there are some other benefits as well. 00:01:37.040 |
My guest is a listener of the show. It's a man named Christopher Delaney. 00:01:39.600 |
And he reached out to me and said, "Hey, if you're ever interested in doing a show on riding bikes, 00:01:45.040 |
And I responded right away to him and said, "I would like to do a show on riding bikes, 00:01:50.320 |
But I'd love to find somebody who's done it." 00:01:57.840 |
It's an interview that's packed of information. 00:02:04.320 |
But he's pretty down to earth, so he's easy to talk to and easy to listen to. 00:02:07.520 |
And he shares some very practical advice about using bicycles as transportation. 00:02:12.480 |
This was something that I had also interviewed on the show, Tammy Strobel. 00:02:15.760 |
And she's famous for writing a book, among other things, from Rowdy Kitten. 00:02:20.160 |
She had written a book on how to live car-free. 00:02:22.400 |
But by the time we had our interview, it wasn't something that she really thought much about 00:02:25.840 |
or talked much about, even though she and her husband used bicycles a lot. 00:02:30.320 |
So here I have an excellent show with Christopher Delaney. 00:02:38.640 |
We're back in the saddle here after last week kind of missing out again. 00:02:42.560 |
I apologize to all of you for missing two of those shows. 00:02:50.800 |
And I was thinking, I've got to create a really great show. 00:02:52.720 |
But I had interviews lined up, and I just should have prioritized and adjusted differently 00:02:57.360 |
So I apologize for those of you that wondered where we went. 00:03:06.080 |
So we've got a lot to cover here in December. 00:03:09.120 |
I've been thinking about what changes and what adjustments to make for next year. 00:03:13.600 |
And so I'll talk more about that in the future. 00:03:17.200 |
There are a lot of things I'd love to do, but it's just a matter of capacity 00:03:19.680 |
as far as what I'm able to do with things going forward. 00:03:23.920 |
That's always the challenge, the difference between what I'd like to do and what I'm able to do. 00:03:28.400 |
I'm actually in conversations this week with a potential sponsor. 00:03:32.000 |
That is the first sponsor that I've been able to find that I would feel good about introducing. 00:03:39.360 |
We'll see if we can reach an agreement that I think is a win-win for everyone involved. 00:03:42.320 |
But if it works out, it's basically trying to answer the question that many of you ask me. 00:03:49.040 |
And it's a financial advisor vetting service. 00:03:50.880 |
And I think it's the best one that's out there. 00:03:52.480 |
Not perfect, but I think it's the best one that I've been able to find. 00:04:03.520 |
So Christopher, welcome to the Radical Personal Finance Podcast. 00:04:11.920 |
So I'm excited to talk about bicycling and bike riding as an alternative method of transportation. 00:04:17.680 |
And I am a complete dunce when it comes to this topic. 00:04:22.880 |
You and your family have been able to live successfully for at least some period of time 00:04:32.800 |
One of them is two years old and the other one is about six months old. 00:04:36.640 |
So tell me your story as it surrounds your ability to use a bike for transportation. 00:04:45.280 |
I was, you know, my imagination was expanded greatly in about 2005 when I moved to Portland, 00:04:54.880 |
And, you know, in the South, there's really no alternative to using a car to get around 00:05:02.320 |
There's no public transportation, very little bicycle infrastructure, if any at all. 00:05:07.920 |
And I went to school in Alabama and got my first bike there. 00:05:16.160 |
And my roommate was the one that introduced me to riding a bike. 00:05:21.680 |
To the grocery store or riding a bike to school or whatnot. 00:05:25.520 |
Eventually decided it was time, you know, to leave Alabama. 00:05:35.360 |
I was a ski instructor for a little bit and then met some folks there that lived in Oregon. 00:05:42.640 |
And so I went out there and fell in love with it. 00:05:45.200 |
You know, decided a couple months later, I was going to go to California. 00:05:50.480 |
Decided a couple months later to move to Portland. 00:05:52.720 |
And I sold my car that was back in Georgia and went to Oregon with my guitar and a backpack, 00:06:03.700 |
When I got there, I found out the public transit was fantastic. 00:06:07.920 |
You can take a train from the airport into the city. 00:06:16.080 |
And then I saw people riding bicycles around and decided, you know, that looks pretty fun. 00:06:21.680 |
I found a cheap $150 bike that seemed all right. 00:06:26.480 |
I didn't really know anything about bikes at that point. 00:06:28.960 |
And started riding my bike around town and, you know, gradually went to more places. 00:06:39.040 |
And then I started going to the grocery store. 00:06:40.960 |
And then I started, you know, going to visit friends and going to restaurants and bars 00:06:55.760 |
That lasted me up until the point when I met my wife and we got married about four years later. 00:07:01.840 |
From when I had moved to Portland, she had a car and she, you know, she had a bicycle as well. 00:07:10.320 |
But she wasn't riding her bike necessarily for transportation. 00:07:14.320 |
It was more just for fun to meet friends at coffee shops. 00:07:18.000 |
Or just ride around the neighborhood a little bit. 00:07:19.760 |
And then when she met me, you know, I started rubbing off a little bit. 00:07:25.360 |
You know, she would ride with me to a date night or a friend's house or something like that. 00:07:32.480 |
And started, you know, expanding her imagination about what was possible. 00:07:37.520 |
We moved right after we got married, we moved right away pretty much to Denver for a job. 00:07:46.240 |
And in Denver, we found out that I needed a car to get to my job. 00:07:52.480 |
So, you know, obviously we kept the car that we had and shared it. 00:07:57.600 |
And basically, you know, I would use it to get to work. 00:07:59.520 |
And then my wife had a bike that she would ride to just kind of get around the city there. 00:08:07.440 |
And, you know, I tried riding to work on my bike. 00:08:15.360 |
And, you know, if you aren't familiar with Denver, the airport's 25 miles east of the 00:08:19.920 |
city out in the middle of a bunch of farmland. 00:08:23.600 |
And it was pretty dangerous, in my opinion, for me to ride my bike out there just because 00:08:29.760 |
of the speeds that people were traveling on these two-lane farm roads. 00:08:33.360 |
My co-workers would regularly brag about, you know, going 80, 90, 100 miles an hour 00:08:39.520 |
on these back roads and catching air over, you know, little hills that existed. 00:08:45.280 |
And so, you know, I was commuting when it was dark in the morning and I just decided, 00:08:49.600 |
you know, it's not worth it, you know, getting killed by one of my co-workers driving 100 00:09:00.400 |
And so I pretty much resigned myself to driving the car every day. 00:09:11.040 |
Pretty impractical for a daily commute on a bike to do 50 miles. 00:09:15.440 |
You know, on my wife and I's radar, we didn't have kids at the time. 00:09:19.760 |
And we wanted our life to be a little bit more localized where everything was, you know, 00:09:25.360 |
within five or 10 miles and we didn't have to necessarily use a car. 00:09:29.120 |
We started talking about what we would do when we got a family. 00:09:34.880 |
And we had seen online and a few times in person this bike called a cargo bike. 00:09:52.160 |
And there are a couple of folks who make them here in the United States. 00:09:55.680 |
And so we started talking to the people here in Oregon who made it. 00:10:03.120 |
We got our hands on one to test ride and absolutely fell in love with the bike. 00:10:07.760 |
And we said, you know, when we have kids, we would love to get one of these bikes. 00:10:11.680 |
And that would really help us continue to get around the city, 00:10:15.120 |
but also reduce our dependence on the car that we had. 00:10:18.080 |
And while we were in Denver, we had our first child. 00:10:22.480 |
And we started strategizing how we could get the bike. 00:10:27.600 |
At that time, you know, we couldn't really afford it. 00:10:38.800 |
About 50,000 people live there and move there for a job. 00:10:43.920 |
And that's when we really started considering selling our car, becoming car free, 00:10:53.120 |
In April of 2013, my wife said she was ready. 00:10:59.600 |
And she was willing to at least try this as an experiment. 00:11:02.240 |
And, you know, I'm pretty confident and motivated about, you know, 00:11:09.040 |
But I really didn't want to pressure her into that. 00:11:12.560 |
And so I just patiently waited for, you know, a couple years after we were married 00:11:17.600 |
until she was like, you know, I think I'm ready to try this. 00:11:20.720 |
So we sold our car and we got a Metrofeet's cargo bike. 00:11:26.000 |
And we started living car free in Casper, Wyoming. 00:11:32.720 |
We both fell in love with it right off the bat. 00:11:35.600 |
We really enjoyed getting around with our daughter in the bike. 00:11:38.480 |
She was a little over one years old when we first started riding with her in the bike. 00:11:47.840 |
And then in January of this year, we moved back to Portland, which is my wife's hometown. 00:11:56.080 |
And, you know, we've been living car free here as well. 00:11:59.520 |
You know, in addition to the bike, we also use the Zipcar membership, which is a car 00:12:07.520 |
sharing program that allows us to have access to a car if we need it. 00:12:10.320 |
And, you know, it's been pretty enjoyable and relatively easy for us, to be honest. 00:12:18.080 |
But that's a little bit about our story there. 00:12:22.080 |
So, I mean, you've got some credibility here. 00:12:24.320 |
How long has it been since you actually sold your car when you were living in Wyoming? 00:12:33.680 |
I think it's been about a year and a half that we've been car free as a family. 00:12:36.800 |
Me personally, you know, I've been car free for the majority of the last decade. 00:12:42.400 |
I think, you know, I had a car after I met my wife and we moved to Denver for two years. 00:12:46.480 |
But, you know, after selling that, we've been car free for maybe about a year and a half. 00:12:56.400 |
And also you've been able to live with one car for the entirety of your marriage. 00:13:02.640 |
So, you know, even if many families just switch to having one car, I know that's what my wife 00:13:08.560 |
and I have done, I couldn't see and still can't see any way that in where we live, 00:13:14.400 |
in I think the biggest county in the United States with a very distributed, spread out 00:13:18.480 |
lifestyle, I couldn't see any way to do without one car, excuse me, without a car. 00:13:22.960 |
But even just going from two to one saved me so much time and hassle of fixing the thing 00:13:29.520 |
And I was glad to get rid of that second car. 00:13:32.560 |
If I could figure it out, I'd get rid of the first one. 00:13:37.760 |
And I think it has to do with it's not an all or nothing decision. 00:13:42.160 |
I think that would be more detrimental for people to make that as an all or nothing decision. 00:13:48.320 |
So, you know, finding ways that you can reduce your dependence on that because it sucks so 00:13:56.720 |
You know, AAA says it costs nine thousand dollars a year to own and maintain a vehicle, 00:14:02.880 |
And that was in 2013, I think, when that came out, 2012, maybe. 00:14:10.080 |
So with inflation, you know, that number only keeps growing. 00:14:12.800 |
But, you know, nine thousand dollars a year is significant. 00:14:17.600 |
And if you can start thinking about ways to reduce your dependence on that and to be creative 00:14:23.680 |
in structuring your life so you don't necessarily need the car as much, those things are definitely 00:14:34.240 |
And it can help people make a transition there when you view it as, you know, incremental, 00:14:42.640 |
So I've heard of Portland being a bike mecca, but I haven't heard of Casper, Wyoming being 00:14:48.400 |
What's the difference between living in a place? 00:14:53.680 |
But what's the difference between living in a place where there is a well-established 00:14:58.240 |
infrastructure versus a place where I'm assuming there's not? 00:15:03.120 |
I personally think it's about the same because when we were in Casper, there might have been 00:15:12.400 |
out of the 50,000 people that live there, there might have been 10 people. 00:15:15.840 |
And that's being extremely generous using a bike for transportation. 00:15:24.240 |
You know, I could see folks riding around and, you know, there's only 10 of us out of 00:15:32.800 |
In Portland, about 6 to 10% of the population uses a bike on a daily basis for transportation, 00:15:42.720 |
But the 90% that don't are the same as the 99% or the 100% of people in Casper. 00:15:50.320 |
So the attitudes of the city, the attitudes of the drivers are largely the same regardless 00:16:00.320 |
You know, auto culture in the United States is very much considered an entitlement. 00:16:06.640 |
And so, you know, being in Casper and riding a bike to me is no different. 00:16:13.520 |
It doesn't take any more confidence or any less confidence than it takes to ride a bike 00:16:18.560 |
You're still up against pretty much the same barriers, the same challenges, whether, you 00:16:28.080 |
know, aggressive drivers, city streets that don't support everybody using them. 00:16:34.400 |
They only support one type of transportation. 00:16:39.200 |
I mean, it is in a sense easier here in Portland, but not significantly, I don't think. 00:16:52.240 |
Is this like your crusade to support your political belief or personal values? 00:16:59.040 |
Or is this just because you like being frugal and don't like spending money on a hunk of 00:17:04.320 |
Yeah, it's a little bit of both of those things. 00:17:07.520 |
My wife and I have a very strong values attachment to this decision. 00:17:11.360 |
But then at the same time, when we actually calculated our finances, we found out that 00:17:15.520 |
we would save $700 a month by getting rid of our car. 00:17:19.600 |
And so there's a huge financial benefit to making that decision. 00:17:34.560 |
And then we were budgeting money every month for maintenance because for whatever reason, 00:17:39.680 |
the car that we had was sucking the maintenance life out of us. 00:17:48.400 |
In any case, we decided $700 was about what we were saving every month on that. 00:17:53.840 |
There also was a very strong values commitment because my wife and I have both spent time 00:18:05.600 |
We're very sensitive to the relationship between American foreign policy and resource extraction, 00:18:21.920 |
I grew up in a pretty conservative religious family where you hear the term pro-life thrown 00:18:32.800 |
And one of the things that my wife and I were very passionate about is there's about 46,000 00:18:42.000 |
people a year that die in the United States from automobile collisions. 00:18:47.520 |
And that number, the UN says that's 1.4 million people per year in the world. 00:18:54.000 |
And we thought that that was a pro-life issue. 00:18:57.440 |
Decreasing our car use, in part, was because we want to prevent the causes of death. 00:19:09.360 |
And that's one of the highest causes of death worldwide. 00:19:12.720 |
From the externalities of it, when you look at things like climate change, when you look at 00:19:19.520 |
the actual automobile collisions that are killing people, you look at the intoxication 00:19:27.760 |
deaths that are caused by people walking, riding bikes, and driving cars that are intoxicated. 00:19:37.360 |
Another thing, we definitely wanted to stop contributing money to this global war for 00:19:46.800 |
And we're not to the point where we're going to stop paying our taxes, but we did want 00:19:51.760 |
to vote with our dollar, as it were, and stop giving money to the corporations and the governments 00:20:03.920 |
It's nice to hear somebody integrate fully pro-life. 00:20:06.800 |
It's one of the things that always bugs me, because I am profoundly, as a person, I am 00:20:14.400 |
And it so bugs me when somebody says, "Well, I'm pro-life in terms of taking care of the 00:20:23.920 |
babies, but we can kill all the other people on the other side of the world for useless, 00:20:32.800 |
Why don't you be consistent with your beliefs, and you're either pro-life or you're pro-death? 00:20:40.000 |
Yeah, when people look at things factually, take Ebola, for example, that's killed, at 00:20:49.920 |
With automobile culture and design and the way that we're using that technology, it kills 00:20:58.720 |
1.4 million people per year, and that number is growing. 00:21:02.560 |
What's the more dire situation that we need to address as a global community? 00:21:08.240 |
Not saying Ebola is not important, but if we were to look at the actual danger factor 00:21:14.160 |
involved, I'm a pilot as well, and everybody knows the little statement, "You're more likely 00:21:21.840 |
to die on the way to the airport than you are actually in a plane crash." 00:21:28.400 |
Providing evidence that it is way more dangerous to ride in a car or to drive a car than it 00:21:35.200 |
is to fly in this metal tube at 30,000 feet across the world. 00:21:39.280 |
I think that was something interesting, and I'm a pretty passionate person, and so I was 00:21:45.840 |
very motivated not to just talk about being pro-life, but to incorporate that into as 00:21:53.520 |
many areas of my life as I could, and this seemed to be a very natural output for that. 00:22:01.840 |
I like that, and the cool thing is it serves your own self-interest, too. 00:22:05.520 |
You're healthier and you're richer, and you can support your values. 00:22:09.600 |
It's nice when those things line up together. 00:22:12.480 |
Sometimes you have to impoverish yourself a little bit, maybe, to stand up for some 00:22:17.200 |
of your views and opinions and to fight for what you perceive to be right, but it's nice 00:22:21.840 |
when you can fight for what you perceive to be right, and it puts money in your pocket, 00:22:26.720 |
So, I am a novice when it comes to riding a bicycle. 00:22:32.480 |
Obviously, I was a kid, grew up riding one, but I never even considered using a bicycle 00:22:39.040 |
A bicycle was just always something fun, and then where my living situation, where I live 00:22:45.840 |
in Palm Beach County, Florida, it is one of the most spread out counties, I think, in 00:22:53.120 |
I can't remember, but it might be the biggest county in the country, or it might be. 00:23:00.560 |
I always lived, when I was growing up, 20 miles from my school, and just always commuted. 00:23:06.080 |
Never even considered riding a bicycle until my wife and I were married, and I started 00:23:13.040 |
And I hadn't had a bicycle for years, and then we decided to get one so we could go 00:23:19.280 |
She had one that was left over from about sixth grade, and so we went down to Walmart, 00:23:23.360 |
and I got a $99 special on a beach cruiser, a larger, tired beach cruiser, which was a 00:23:29.040 |
little bit more suitable for my, and I'm about 6'6". 00:23:32.000 |
But what I found is that it was cool, and it was pretty cool to be able to ride it around 00:23:38.480 |
We'd ride it, you know, the Green Market on Saturday morning. 00:23:41.520 |
We'd ride down on Thursday night to the bookstore. 00:23:48.240 |
And then, when we moved out to Palm Beach Gardens, we continued riding it, and then 00:23:51.760 |
I wound up, it got stolen for reasons that, well, actually, I'll tell the story, 'cause 00:23:58.480 |
I rode it to the mall for, we live fairly near a mall, and so I tried to ride my bike 00:24:07.200 |
There were no bike racks, so I locked it to a railing, and I came back, and the bike was 00:24:11.120 |
gone, and I deduced that it hadn't been stolen. 00:24:17.440 |
So I went after him, and I found the bike and got them to actually, which is pretty 00:24:22.480 |
cool, I got them to actually pay me the 20 bucks for the bike lock that they'd chopped, 00:24:27.600 |
And so they gave me the bike, and the head of security was so annoyed at me, he gave 00:24:32.480 |
me 20 bucks from his desk to buy myself another bike lock. 00:24:36.240 |
And then I rode it to my office the next day, and I didn't have a bike lock, and I was 00:24:40.080 |
lazy about getting one, and three days later, it disappeared from my office. 00:24:43.360 |
So I am now bike-less and have been for a year or so. 00:24:46.720 |
I just switched to walking to work instead of biking to work. 00:24:50.600 |
But what I realized was that my Cruiser was not the optimal choice for transportation. 00:24:56.320 |
It was slow, and the tires were so fat, it wasn't very good. 00:24:59.440 |
And I realized, I know nothing about bicycles. 00:25:01.880 |
So if I were interested, since you've done this a little bit, if I were interested in 00:25:07.120 |
actually saying, "I'd like to get a bike that would actually be useful and practical. 00:25:11.880 |
I'm not sure about commuting every day, I'm not sure about being a nut like you and driving, 00:25:15.920 |
what'd you say, 25 miles to the airport in Denver, but I'm interested in getting a bicycle." 00:25:24.120 |
Where would I start, and what advice would you have for me as a novice person who rides 00:25:30.520 |
There's a paradigm shift for most people that would be a good place to start. 00:25:37.280 |
So when you're looking at a bicycle in the United States, a lot of people in their head 00:25:45.240 |
And so when you make the switch to wanting to use a bike for transportation, you kind 00:25:49.240 |
of have to think about things a little bit differently. 00:25:52.000 |
So I like to use the car paradigm as an example. 00:26:05.160 |
Would you buy a car from a real seedy used car dealer in a bad part of town next to the 00:26:14.040 |
payday loan office and the video poker establishment? 00:26:19.680 |
Not if you listen to Joshua's show and have an ounce of common sense. 00:26:27.280 |
People say when you start seeing strip clubs and payday loans, you know you're in a part 00:26:32.520 |
of town that's just going to be trying to take advantage of you. 00:26:36.580 |
And so that's where all the used car dealerships pop up. 00:26:40.440 |
And if you walk into one of those places, you're just asking to be taken advantage of, 00:26:46.960 |
Most people that are going to buy a car would do their research. 00:26:51.240 |
They would connect with a mechanic, potentially, if they don't know what they're doing, because 00:26:56.960 |
that way when they find something used, they can get it evaluated. 00:27:01.100 |
And then if you're looking at purchasing something new, which I know is not very popular in the 00:27:07.680 |
community that we're in, you would go do your research on a dealership and find one that 00:27:15.600 |
is reputable, that's going to stand behind their vehicle, possibly offer a warranty as 00:27:22.280 |
All of those same considerations would apply to purchasing a bicycle for transportation. 00:27:28.320 |
It's going to be significantly less money, so there's not as much pressure on the purchase. 00:27:36.560 |
Now bike shops are offering loans for bikes or credit cards with their company. 00:27:42.200 |
I wouldn't recommend going into debt for this at all. 00:27:47.800 |
First off, if you have a bike, ride what you have. 00:27:50.160 |
If you don't have a bike, buying something used is a good idea, spending as little money 00:27:56.900 |
So just like with a car, the first thing I do is find a bike shop who will do a used 00:28:06.920 |
Very common, pretty much all bike shops will do it, all mechanics will do it. 00:28:13.640 |
That's probably the first thing I do is find a bike shop and make sure that they will be 00:28:19.400 |
Then get on Craigslist or whatever your online marketplace is in your city and find something 00:28:26.520 |
local is preferable because then you can have it checked out. 00:28:30.080 |
I would stay away from buying anything online. 00:28:32.720 |
I would stay away from buying anything from Walmart. 00:28:35.120 |
Walmart for bikes is the same thing as a seedy used car dealer in a bad part of town. 00:28:43.000 |
I learned that with my Cruiser because it looked all fancy and shiny and I'm like, "Ah, 00:28:50.120 |
And then I got it home and I parked it underneath an overhang and three days later, everything 00:28:55.000 |
that wasn't the fancy shiny chrome frame was rusting and nothing, it just started falling 00:29:03.320 |
So I recognize there's a little bit of a difference in quality between a Walmart bike versus what 00:29:09.600 |
I would assume somebody else would be able to ride every day. 00:29:13.600 |
Yeah, when you buy a bike from a department store like Walmart or the mall or whatever 00:29:21.320 |
happens to be, the person putting that bike together is not a mechanic and they have no 00:29:26.760 |
knowledge whatsoever of what that bike needs to be safe. 00:29:33.200 |
And it may sound a little harsh and I don't mean it as a critique on the people that work 00:29:41.160 |
I'm just speaking from experience that that's usually not a good idea because the bike is 00:29:46.240 |
a machine and you wouldn't let a grocery store employee fix your car. 00:29:54.680 |
For the same reason, I wouldn't let a Walmart employee build my bike. 00:30:00.380 |
There are some safety considerations in that. 00:30:03.420 |
So a good starting place, connect with a shop, find something used and do it. 00:30:07.520 |
Now if you have the money and you want to get a new bike, that would definitely work 00:30:12.000 |
in your favor because you'll rule out a lot of the mechanical problems that you'd have. 00:30:18.160 |
Most bike shops in America are oriented towards recreation and fitness and so they're not 00:30:27.340 |
If you live in a larger urban area, you might be able to find a shop that is oriented towards 00:30:35.140 |
Cities like Minneapolis, Austin, Denver, Portland, Seattle, LA, New York City, those are ones 00:30:43.320 |
that come to mind that I know have transportation-oriented bike shops. 00:30:47.840 |
Every other city in the country is going to have a bike shop more than likely and the 00:30:52.200 |
sales staff is not necessarily going to know what is going to work well in a transportational 00:30:58.920 |
sense so you'll need to do a little bit of internet research to find out what brands 00:31:04.480 |
they offer and then what bikes within that brand work well for transportation. 00:31:09.560 |
Some basic questions that you want to ask when you go in, make sure you say up front 00:31:12.840 |
that you're looking to use this for transportation. 00:31:21.400 |
They might congratulate you and say, "We're really excited that you're taking this step," 00:31:30.000 |
Don't listen to any of the negative talk unless the person is knowledgeable, saying, "Stay 00:31:36.240 |
away from this part of town," or, "Use these streets." 00:31:39.120 |
If that's the kind of feedback you're getting, it's excellent. 00:31:41.800 |
But if it's globally negative, like, "This is never going to work. 00:31:44.900 |
This is the dumbest idea I've ever heard," completely ignore it. 00:31:48.200 |
In any case, look for a bike that has the ability or already installed fenders and a 00:31:59.760 |
Usually a bike that will have those elements will be good. 00:32:04.520 |
Things that are preferred are large tires and disc brakes. 00:32:08.560 |
They work really well for transportation bikes. 00:32:16.520 |
And then you're going to want to make sure that you budget a little bit of money for 00:32:20.920 |
So whatever your budget is, take 75% of that, spend it on the bike. 00:32:25.560 |
Take the other 25%, and you'll need to buy, at the minimum, a front light and a rear light, 00:32:34.040 |
white and red, respectively, and a U-lock, something that looks like a U or a D. Those 00:32:43.160 |
And then if you've got a little bit of extra money on top of that, I'd look to buy waterproof 00:32:50.240 |
And the rear-view mirror can attach to your bike or a helmet if you choose to wear one. 00:32:54.640 |
Yeah, I've got to imagine with biking, the gear makes all the difference in the world. 00:33:03.520 |
So if you have something to put, or like I said, a bag to strap stuff to, that makes 00:33:12.200 |
If you're a basket person and you want a basket up front to just toss your purse or your backpack 00:33:20.020 |
If you like the waterproof bags that can strap onto your rack, that's really easy, too. 00:33:25.080 |
And there are lots of great choices for that. 00:33:28.400 |
But there's no reason to buy all of that up front. 00:33:31.400 |
Just the lights and the lock are really what you need. 00:33:37.880 |
So probably also, though, should you steer away from things like fat tires, like mountain 00:33:42.720 |
bikes, I would imagine are probably suboptimal unless you're riding up and down a mountain. 00:33:47.560 |
So you should probably get something with skinny tires if you're going to be on roads. 00:33:52.120 |
I would actually prefer not to ride on skinny tires. 00:33:54.800 |
My tires right now are the thickness of a mountain bike tire, but they don't have the 00:34:02.320 |
little knobs on them like what mountain bike tires would have on it. 00:34:09.640 |
They're smooth and they have a little bit of siping, so they kind of look like a smaller 00:34:20.920 |
I've met people that commute daily in Alaska, and they need what's called a fat bike, where 00:34:28.680 |
it has these huge tires on it that run at really low pressure, and they ride over gravel 00:34:34.640 |
It depends on the safest way to get where you're going, what it looks like. 00:34:39.160 |
For some people, I've spent a lot of time in the South, in Florida, Georgia, and Alabama. 00:34:45.280 |
There are a lot of unpaved dirt paths that go places. 00:34:52.520 |
That's why I like recommending buying a used bike first, because then you find out what 00:34:59.060 |
If you start off with a skinny tire bike and you find out, "Wow, the easiest way for me 00:35:02.960 |
to get to work is to ride a little bit on this dirt path," then when you actually buy 00:35:08.640 |
a bike new, you'll get one that fits your needs a little bit better. 00:35:14.920 |
Is there a specific brand that you should look for that's a good entry-level brand, 00:35:18.800 |
or does that just matter as far as what the bike shop actually carries? 00:35:23.880 |
Branding is important only to the extent of the support from the manufacturer. 00:35:30.400 |
Most bicycles that are sold in the world are either made in China or Taiwan. 00:35:36.640 |
Those are really the only two places in the world. 00:35:41.320 |
You can buy an American-made bike, but it will cost you thousands of dollars and be 00:35:45.680 |
a little bit impractical for folks who are starting off. 00:35:50.440 |
Bikes that are made in Taiwan are typically superior to bikes that are made in China. 00:35:57.360 |
I would steer away from anything carbon fiber. 00:36:11.680 |
Brands usually partner with the shop to provide support for that bike. 00:36:17.760 |
For example, if you went with a larger brand like Specialized, Trek, or Felt, Raleigh, 00:36:26.000 |
there's maybe 10 well-respected manufacturers for bikes in the United States. 00:36:32.360 |
They will offer excellent support for that bike. 00:36:34.280 |
If something breaks on it, it can be warrantied. 00:36:36.440 |
If you crash and you need to replace the bike, a lot of times they'll offer loyalty programs 00:36:41.120 |
to replace the parts, even though it was your fault and it wasn't theirs. 00:36:46.360 |
That kind of support is really invaluable to someone, especially if you don't have mechanical 00:36:53.240 |
Developing a relationship with a bike shop is very important because they can help support 00:37:04.780 |
Sometimes you'll be able to find riding support and group rides that will help you get a little 00:37:10.020 |
bit more comfortable on the road riding with cars with other people who know what they're 00:37:14.420 |
doing and they can help give you those skills. 00:37:17.420 |
Those are all the things that come with a brand. 00:37:20.880 |
Usually brands are exclusive at certain bike shops. 00:37:29.840 |
The way that the manufacturers develop their relationships with bike shops is they mandate 00:37:43.280 |
For the actual rideability of the bike, they're pretty much all the same. 00:37:48.480 |
They all have a chain, they all have gears, and they all have wheels. 00:37:59.820 |
Pretty much all bike shops are going to sell essentially the same thing. 00:38:03.600 |
You're basically buying into that brand support. 00:38:08.400 |
When you're looking for a bike, you can go to a variety of bike shops and try things 00:38:17.040 |
Bike shops are always happy to have people go in and test ride things. 00:38:21.840 |
That would give you more of an idea of what you're drawn to, what style of bike you're 00:38:28.080 |
Dave: Is there a price range that if I were shopping for a bike for transportation that 00:38:33.000 |
I would want them, for a new one, I'm sure used ones will vary, but is there a price 00:38:37.260 |
range that would be a reasonable entry-level price range to consider? 00:38:42.760 |
If you're buying a bike used, I would expect to spend around $500 for something that's 00:38:49.000 |
high enough quality to use it for transportation. 00:38:52.640 |
If you're buying a bike new, I would expect to spend around $1,000. 00:38:58.600 |
It puts you in the middle bracket of what a bike shop will offer. 00:39:03.000 |
You don't necessarily want to buy the cheapest thing possible. 00:39:06.480 |
The cheapest thing possible is designed for someone who will occasionally use their bike, 00:39:10.720 |
maybe a couple times a year to ride on a trail with family. 00:39:15.720 |
Maybe the grandkids come and you pull the bikes out and everybody goes out for one day 00:39:21.480 |
The cheapest bike is designed for that individual. 00:39:25.120 |
In the mid-range, you're going to find a lot of bikes that are good for everyday use, but 00:39:30.880 |
that aren't so nice that you're afraid of it getting damaged or stolen or broken. 00:39:36.680 |
The quality of the components is important when buying a bike for transportation. 00:39:42.080 |
I would expect to say $1,000 is reasonable to get something that's decent, durable quality, 00:39:51.520 |
but also something that is not so nice where you have to be afraid of locking it up outside 00:39:58.640 |
For me, it was a slap in the face when I walked into a bike shop one time and here I am. 00:40:14.840 |
If there's a big difference between how I often in the past used a bike where a couple 00:40:19.680 |
times a year you brush it off and ride a few miles versus something that's designed to 00:40:29.560 |
I learned my lesson with my $99 special when stuff was breaking on it. 00:40:34.520 |
I rode it more frequently than any bike I ever had and it fell apart. 00:40:39.040 |
We have to think about it in terms of how important where you're going is. 00:40:56.040 |
I don't like to call in sick and things like that. 00:40:58.440 |
If I'm going to ride my bike in, I still want to be an excellent employee. 00:41:02.280 |
I don't want any of those things to get in the way. 00:41:04.880 |
I have really nice, rather expensive tires I've invested a lot in that don't get flat 00:41:14.840 |
I have over 10,000 miles on one pair of tires and never had a flat, which is great. 00:41:21.340 |
If you spend the money to invest in quality parts in certain areas of the bike, you can 00:41:29.440 |
I will leave a little bit more early than I normally would had I been driving to give 00:41:35.160 |
myself some time just in case I get a flat or something happens. 00:41:38.760 |
I'll have time to catch a bus or call a friend to get to work just in case something happens. 00:41:46.240 |
I've never had to call in sick or call a friend or whatever. 00:41:51.720 |
I like to know that I've built some extra time into my schedule so it's not going to 00:42:00.400 |
When you think about it that way, you don't want to skimp on the money. 00:42:05.380 |
Skimping on the money side of things or skimping on the durability, sacrificing that could 00:42:10.740 |
sacrifice another relationship that you have that depends on you transporting yourself 00:42:17.820 |
If you're just using it to go to the grocery store, obviously at that point you could afford 00:42:25.740 |
to skimp a little bit on durability because what are the consequences of you not making 00:42:38.500 |
It doesn't mark negatively on your career if you don't get there on time. 00:42:43.120 |
If that's your goal, then you don't need something as expensive or as durable. 00:42:47.540 |
For me, my work bike, just to give you an example, with all the things I have on it, 00:42:57.420 |
I have a generator hub in the front that generates electricity when I pedal. 00:43:02.420 |
It powers all of my lighting so I never have to change batteries and it's always on. 00:43:10.500 |
I have a Bluetooth speaker that connects to my phone so I can listen to podcasts and the 00:43:14.420 |
radio and make and receive phone calls while I'm riding my bike. 00:43:21.380 |
Those are some of the things that help make that choice and that lifestyle a little bit 00:43:27.220 |
Dave: The cool thing is I remember reading, I think it was Jacob Lundfisker wrote an article 00:43:32.260 |
and he just talked about how if you're going to have the best car on the road, it's going 00:43:38.580 |
To have the best bike on the road, any normal middle class person could easily afford it, 00:43:43.660 |
especially if it's their primary or at least replacing one of their cars. 00:43:47.460 |
You go from a $5,000 car that's kind of middle of the road, pretty cheap car most people 00:43:52.820 |
would consider, to a top of the line bicycle for $2,000, you're still saving money. 00:43:58.700 |
The riding experience, the enjoyment of it would probably be substantially better by 00:44:03.080 |
having something really nice so it allows you to make that switch away from the car. 00:44:11.300 |
Ben: When you make that choice on a bicycle, it makes the price a little bit easier when 00:44:18.460 |
You buy a car, say a new car for $30,000 or $40,000, that car still needs you to put $100 00:44:32.940 |
That will always continue to work as long as you take care of it. 00:44:38.220 |
It removes that embedded cost or the need for anything else to make it go. 00:44:48.480 |
Whatever it is, they say miles per burrito instead of miles per hour. 00:44:55.380 |
What are some tips and tricks for being able to do this with kids successfully? 00:45:05.340 |
There are a lot of resources out there to help folks. 00:45:09.860 |
I know it's kind of hackneyed, but we always point towards the European model in, say, 00:45:18.340 |
Holland and Denmark because they have been doing this for a lot longer. 00:45:28.100 |
We look at their model, and a lot of them have special bikes designed to fit a child 00:45:35.580 |
When you adapt a bicycle that's normally found in the United States to carry kids, it doesn't 00:45:44.140 |
necessarily make it functional for transportation because just the weight of adding a child 00:45:49.860 |
to a regular adult bicycle eliminates the ability to carry actual cargo. 00:45:56.900 |
You might be able to carry your child, but then you can't carry grocery bags and all 00:46:02.020 |
the things that come with a child that you have to carry as well. 00:46:06.980 |
Diapers and spare clothes and wipes and food and all these other things are extra. 00:46:13.260 |
When you look at the European model, they have special bikes that are designed to carry 00:46:20.460 |
There's a tricycle model with two wheels up front and one wheel in the back. 00:46:29.340 |
I don't necessarily prefer that, but it's definitely an option. 00:46:32.940 |
Then there's a company that makes an extension to the back of an adult bicycle called an 00:46:43.040 |
Those are nice because kids can sit on the back and you have these two large bags that 00:46:49.380 |
Then there's the Bockfeet style where you have this big box up front, and it only has 00:46:55.140 |
You steer with a steering linkage that goes underneath the box and connects to the front 00:47:02.060 |
It probably sounds weird hearing that described, but if you duck, duck, go, a Bockfeet ... 00:47:14.980 |
If you search for the Bockfeet style, it'll pop up and you'll see a picture of it and 00:47:24.100 |
When riding with kids, the first consideration everybody has, and justifiably so, is is it 00:47:34.940 |
You need to be confident riding your normal route around your city before you want to 00:47:45.820 |
Safe streets are usually streets that have lower speed limits, ideally somewhere around 00:47:53.740 |
If your location ... I know being raised in the South, I know very few streets have that 00:48:02.020 |
In grid cities, larger cities that have a well-established historic grid, you're going 00:48:14.580 |
Be confident riding in your context before you add a child to that. 00:48:18.620 |
Even when you do add children to that, you want to make sure that they're safe and that 00:48:25.100 |
you can see them and that they're strapped in. 00:48:29.260 |
A lot of places mandate helmet use for kids, which is a great thing. 00:48:35.380 |
Say here in Portland, any child, I think, under 12 has to wear a helmet. 00:48:44.540 |
Both of my ... Our six-month-old is in a car seat strapped into our box. 00:48:51.220 |
I've actually screwed attachments in there and locked her car seat down to it. 00:48:56.700 |
Our other child is in a five-point harness style. 00:48:59.820 |
Maybe you can include a picture of our setup in the show notes. 00:49:08.060 |
You want to be able to carry all of your gear comfortably and be able to maneuver yourself 00:49:14.020 |
Carrying three kids with a 50-pound backpack, not a good idea. 00:49:19.140 |
You want to be able to comfortably get on and off the bike. 00:49:22.260 |
I like riding with a rear-view mirror because you can increase your situational awareness 00:49:33.260 |
All of the safety things taken ... Once you get that taken care of, it's really, really, 00:49:43.060 |
That's one of the biggest reasons that we love getting around as a family on the bike. 00:49:51.740 |
My two-year-old is always so excited to get on the bike. 00:49:55.020 |
She sees the world in a different way, and she gets to interact with us in a way that 00:50:00.340 |
she couldn't if she were strapped into a car seat or whatnot. 00:50:11.680 |
We got that playing on the Bluetooth speaker. 00:50:14.380 |
We're going down the road singing Frozen as loud as we can. 00:50:23.700 |
If you're driving in the car and your child is screaming and going nuts, it's very difficult 00:50:33.680 |
If we're going down the road on the bike and my daughter starts having a meltdown, we can 00:50:43.500 |
I'll pull over, pick it up, give it back to her. 00:50:45.460 |
We're back on the road, and everybody's happy. 00:50:56.620 |
That was one of the main reasons that we got the box bike. 00:51:06.100 |
Trailers are designed for the recreational side of things. 00:51:09.980 |
If you're riding, if you look at any trailer website, they're going to show people on a 00:51:16.980 |
recreational trail, not around cars, going rather slow when it's sunny and beautiful 00:51:30.220 |
When you use it for transportation, personally, I don't think it's very safe because the child 00:51:36.740 |
is not connected to your bike other than this small connector that attaches to the axle. 00:51:47.300 |
It also is extended way past the bike in the back. 00:51:54.300 |
If someone's driving behind you, they might see you on a bike, but they don't see the 00:52:01.620 |
There have been instances of people getting rear-ended from behind because the person 00:52:07.060 |
didn't see the trailer, but they saw the person on the bike. 00:52:10.900 |
Also, it separates you from your kids, so you can't really have a conversation. 00:52:17.140 |
They just sit back there and wait until you get to whatever your destination is. 00:52:22.900 |
It's a great way to make your kid fall asleep if you want. 00:52:29.780 |
I had a trailer for my bike before it was stolen, and I would use it to go to the grocery 00:52:35.220 |
I did find it's an easy entryway with my $99 Walmart special. 00:52:40.100 |
I got a trailer from my brother and just stuck the thing on there. 00:52:43.780 |
I was able to go and haul my load of groceries. 00:52:48.140 |
It was pretty funny going to the grocery store where I live. 00:52:53.740 |
The bike rack was empty, and I would park right in front of the store and just stick 00:52:56.740 |
my trailer there on the sidewalk, which probably in biking places is a problem. 00:53:01.780 |
It was kind of fun to go out with the Publix guy and load the bags of groceries into my 00:53:11.180 |
It was a good entryway to actually using a bike to haul some cargo. 00:53:22.220 |
Sometimes cargo can be really unstable in a trailer, but there are specific trailers 00:53:27.900 |
I'm not that supportive of carrying children in a trailer. 00:53:37.340 |
Now, if you're doing it on trails on the weekend for recreation and it's beautiful and sunny 00:53:43.980 |
It's not that great for all types of weather. 00:53:46.020 |
It's not that great for riding on the road with cars. 00:53:48.860 |
It's not that visible and people aren't accustomed to looking for it. 00:53:53.940 |
Those are the things that I would definitely encourage folks away from a trailer for a 00:54:02.340 |
Short-term plan, yeah, it's great and easy to get into it, but long-term, I don't think 00:54:09.260 |
it's the best or most ideal way to carry children on a bike. 00:54:14.580 |
Last question I got and then I'll let you give it some thought and just see if there's 00:54:19.100 |
A few years ago, I was in China and I noticed two things when I was there. 00:54:25.900 |
Number one is there's a massive number of scooters. 00:54:30.780 |
I mean, there's just bazillions of little itty-bitty scooters and they're all decked 00:54:36.060 |
out with face shields and these gloves, these winter gloves connected to the handlebars 00:54:42.300 |
There were tons and tons of those, which I think are an option that we should give a 00:54:47.420 |
lot of thought to in the US, especially in urban areas. 00:54:50.940 |
But then also, there were tons and tons of the bikes with the electric, the battery power, 00:54:58.140 |
What are your thoughts on that being helpful for somebody whose legs are not quite as strong 00:55:05.940 |
Is that a helpful thing for someone to consider? 00:55:09.500 |
I absolutely love them and I think that it's extremely positive. 00:55:15.740 |
You talked about the trailer as being an easy way for people to get involved with carrying 00:55:21.700 |
things on their bikes, whether it be kids or cargo or groceries, whatever it is. 00:55:26.460 |
I think the electric bikes are the exact same thing, just for individuals looking to ride 00:55:43.020 |
There are some folks, maybe you're a lawyer and you live in Kansas or Iowa, a Midwestern 00:55:49.380 |
state that's not that easy to get around on a bike, and that could open it up to you. 00:55:55.620 |
Maybe there are folks out there who aren't that healthy and might have bad knees or physical 00:56:06.580 |
issues that prevent them from pedaling for an hour on a bike. 00:56:11.300 |
An electric bike could give you a little bit of fitness but also open you up to decreasing 00:56:18.700 |
your dependence on the car and having more of an active lifestyle. 00:56:26.380 |
Even for folks who have the bikes that we're talking about, the larger cargo bikes, those 00:56:33.620 |
If you have a mom that's carrying three kids and groceries in a box, or a dad, it's much 00:56:42.980 |
easier to have an electric assistant there that would help you out. 00:56:46.040 |
It makes that life transition much easier and, for a lot of people, it's a more sustainable 00:56:54.820 |
My thing is I'm glad we are getting more options in this country. 00:56:59.260 |
Thankfully, these days, I don't have to spend much time in rush hour, but any time I drive 00:57:04.300 |
down here where I live, it's I-95, it's eight lanes. 00:57:11.340 |
Sometimes I have to drive down to Boca in rush hour. 00:57:14.060 |
As I'm cruising along, I look at the tiny number of cars that are in the carpool lane, 00:57:20.300 |
and I look at the massive number of cars that just have one person in it. 00:57:31.020 |
I was thinking, "Listen, you get a nice ... On a motorcycle, what I learned riding a motorcycle, 00:57:36.420 |
you can get a very nice bike that's very comfortable. 00:57:39.240 |
You get yourself a decent, maybe like an aero-stitch suit or something like that that's just on 00:57:45.260 |
and off to cover up your street clothes, and you can be well-protected in case you go down. 00:57:53.940 |
I just think of the money and the gas and the congestion and everything that we could 00:58:00.100 |
save if we built more, if we just chose different options. 00:58:05.580 |
We live in such a car-centric culture that you've got to be pretty counter-cultural to 00:58:10.300 |
Well, people have to think outside the box a little bit because what's happening in the 00:58:15.500 |
United States right now is that we have developed in totality for the automobile and for individuals 00:58:25.620 |
to drive cars alone by themselves, going one way. 00:58:38.500 |
Cities and states cannot sustainably fund their road maintenance on their own, so they're 00:58:48.600 |
As a country, we don't have a way to pay for that anymore. 00:58:51.820 |
The gas tax hasn't increased since the '90s, and inflation has increased, but now all the 00:58:58.660 |
other costs have gone up, and we haven't funded that adequately. 00:59:12.260 |
The extra money that is needed for road maintenance on a national scale comes out of the general 00:59:18.540 |
Instead of that money going towards healthcare or education, now it's going towards roads. 00:59:25.860 |
The folks who live in this country will have to make a decision on whether that's a worthwhile 00:59:31.700 |
Personally, I think we could use the money a little bit better because obesity being 00:59:39.100 |
such an epidemic in the United States, doing something that's active is beneficial. 00:59:44.860 |
If you can also make that transportation, wow, you've killed two or three things with 00:59:49.900 |
one stone now that maybe if a kid rides a bike to school, he or she gets to school more 01:00:00.900 |
They've already done physical activity, and they haven't caused the damage to the road 01:00:11.700 |
If you expand your conception of transportation, if you expand that concept out, it can really 01:00:19.580 |
affect other areas of life in really positive or negative ways. 01:00:26.060 |
I'm so interested in education, and there are only a few things that I've seen at least 01:00:33.100 |
research on that seem to actually make a difference in how well children learn. 01:00:37.980 |
One of them is parental involvement, but one of the other ones is physical activity, is 01:00:44.100 |
that the brain, when there's more physical activity, then the brain is more receptive 01:00:50.540 |
But as you see budgets cut, one of the things that you see going is PE and physical time. 01:00:58.220 |
I just think, why don't you scrap half of the academic classes and fill one of them 01:01:03.300 |
with just total play, fill the next one with maybe some structured physical activity and 01:01:08.540 |
structured games, and fill the third one with, I don't know, shop class or something, and 01:01:12.780 |
you'll get better results in the three or four academic periods that you still maintain 01:01:17.300 |
than you're getting with the six or seven that you're doing on a daily basis. 01:01:22.820 |
If you're an adult, too, if you work for a larger corporation that has a more global 01:01:28.260 |
footprint, a lot of them have a benefit for you to ride your bike to work, and they'll 01:01:38.060 |
In the United States, a parking spot costs approximately $40,000. 01:01:42.460 |
So if they can save providing parking for you, then they'll turn around and give you 01:01:48.220 |
some of that money back, and that will help soften the cost of getting involved in this. 01:01:56.180 |
Employers want their employees to be physically active and to show up. 01:01:59.620 |
They've also found that by paying people to ride their bike to work, they've seen their 01:02:03.940 |
health care premiums go down over the whole corporation because now people are more active 01:02:12.660 |
It's really a benefit, whether you're young or old. 01:02:20.180 |
Well, keep up your work, and it sounds like you guys are at least leading as an example, 01:02:33.700 |
I think it was a great conversation, and I'm hoping folks find it useful. 01:02:39.780 |
Well, Christopher, thank you so much for coming on the show. 01:02:46.660 |
I don't know about you, but for me, I figure if somebody can ride a bike in Colorado or 01:02:51.380 |
in North Dakota or in Portland, I don't have much of an excuse down here in sunny South 01:03:01.220 |
Thankfully, I've designed my life that I just don't really spend that much time driving 01:03:08.660 |
But still, I don't have any excuse, and neither of us has an excuse. 01:03:13.060 |
I hope you find the information helpful and inspirational. 01:03:15.580 |
Check out the show notes for a link to a couple of articles on Christopher and his family. 01:03:19.460 |
He's a pretty neat guy, and he hosts a—I don't think he mentioned it on the show, but 01:03:22.460 |
he hosts, I think, some kind of weekly show on bicycling on a podcast or a local radio 01:03:33.180 |
As we go out here, I thank you all for your reviews. 01:03:34.180 |
If you've enjoyed the content, please give it a thumbs up. 01:03:35.180 |
If you're new here, I thank you all for your reviews. 01:03:37.180 |
If you've enjoyed the content, consider becoming a member of the show with the membership site, 01:03:42.540 |
There's lots of details on that, but that's how I've designed to pay the bills. 01:03:47.180 |
I really appreciate those of you who have signed up. 01:03:49.700 |
It means the world to me of your place and your trust and confidence in me. 01:03:54.980 |
I also thank you for your reviews on iTunes and Stitcher. 01:03:57.580 |
I'll read one review as we go out the door here. 01:04:00.240 |
This review comes in from Dale and it says on iTunes, "The subject is informative and 01:04:07.280 |
Joshua is very well spoken, making this podcast very easy to listen to. 01:04:11.160 |
The content contains very detailed facts and advice. 01:04:13.600 |
I like that he doesn't generalize and recommend to everyone to do the same thing. 01:04:17.840 |
He always points out that everyone's decision is dependent upon their personal circumstances, 01:04:22.120 |
and then he goes into the detail behind what circumstances are appropriate for each option, 01:04:26.360 |
giving us the necessary information to make our own decisions. 01:04:29.720 |
Everyone's very well educated about the topics he covers and doesn't hesitate to let us know 01:04:32.880 |
when he's not as well informed about a topic that his guest is describing rather than fake 01:04:37.880 |
He does tend to be a bit long-winded, as I am kind of being here, but that's only because 01:04:48.440 |
I don't know how long today's show is, but I don't think it's as long-winded. 01:04:51.280 |
So in the case of the goal of not being long-winded, I'm done for the day. 01:05:56.240 |
This show is intended to provide entertainment, education, and financial enlightenment. 01:06:04.240 |
Your situation is unique, and I cannot deliver any actionable advice without knowing anything 01:06:11.640 |
This show is not and is not intended to be any form of financial advice. 01:06:19.240 |
Please, develop a team of professional advisors who you find to be caring, competent, and 01:06:28.240 |
trustworthy, and consult them because they are the ones who can understand your specific 01:06:34.240 |
needs, your specific goals, and provide specific answers to your questions. 01:06:43.240 |
I've done my absolute best to be clear and accurate in today's show, but I'm one person, 01:06:49.240 |
If you spot a mistake in something I've said, please come by the show page and comment,