Beantown Podcast - 4th Annual Beantown Podcast Taxes Special ft. Matthew Fiedler (04092021 Beantown Podcast)

Episode Date: April 10, 2021

He's real, and he's spectacular. Join us for our 4th annual taxes special, where special guest Matt Fiedler answers hard-hitting questions about the CPA exam, cancelled concerts, and Dustin Hoffman's greatest movie roles

Hey, what's going on? It's Quin David Furnace. Welcome to my show, Quin David Furnace presents the Bean Town podcast for, yeah, we'll release this in real time, Friday, April 9th, 2021. What's going on? It's been, you know, 10 days, I think, since I last recorded a show. So it's good to be back. Back in the studio, aka Rodgers Park. And I want to apologize to the fans out there for the technical issue, the delayed release of our Easter special. And thank you to the fan and Hashtag brother of the podcast who brought it to our attention. Walt Fernandez, thank you for letting us know.

Basically, okay, here's what happened. In the episode is out now. If you missed it, you thought we took a week off for Easter, that's not the case. You can go listen to it, our Easter special. I think dropped on Tuesday is when it eventually came out, featuring my mom, Dr. Jane Dennison Fernis. You can go listen to it.

We're talking about all sorts of high jinks, egg dying, creationism, Gen Shaw, the works, like every Easter. But essentially what happened, I had never done this, believe it or not, you know, this is our, I think this is our 170th episode of the Bean Tum Podcast, and I had never tried this. But what happened was that we had recorded the audio file,

my mom and I through GarageBand, easy peasy, no problem, no issues. And then what I wanted to do was not up, you know, because I could have uploaded it right then, you know, as soon as the MP3 is finished converting, hey, it's good to go. I can send it to the airwaves. Right, but I try to keep it to a steady weekend release schedule, which may not be the best, you know, from a popularity perspective, but frankly, you know, and listen to your discretion as advised when you're listening to the podcast.

Number one, we'll catch you in some language. Number two, it's podcast is objectively terrible. Frankly, I don't really give a shit about what works best and what does end. There was a time in Young Quinn's life, you know. How old was I? 22 when I started this show. One of my now, 26? 5, 4, 3.

I turn. Yeah, I was 22 when I started this show, I think. Great. There was a time when I was like, let's grow this podcast. Let's, let's get more listeners. Let's turn this into a thing. And it worked, you know, for a while. I mean, we had shows back in year two that were, you know, over a thousand downloads, over a thousand hits, you know, multiple shows like that, which was awesome. It was great. But I was just, I realized like, I wasn't going to be able to put up, you know, a quality show every single week, that was gonna get a thousand, two thousand hits, something like that. And so I made the very conscious decision

to just be like, you know what, I'm just gonna do me, I'm gonna not market it as heavily, I'm not gonna post about every single podcast on Facebook and tweet about it and Instagram it, whatever, get on the Discover page. Yadda, yadda, yadda. Like, I got stuff to do. I got three jobs that I'm working to provide for this family.

And what was my point? Oh, quality releases. I don't know. Weekend releases. Yeah, I don't give a crap. I'll release it when I want to release it But that being said, I try to stick to the once a week schedule, right? So it's like if we release something, you know, two weekends ago on Saturday or Sunday whenever it was and then

Come out with a new show two days later and be like, hey, that's for the next weekend. It just feels weird, right? so Going back to the original story what I'm trying to do is upload it to SoundCloud, but via a delayed release. You can do that with YouTube and stuff. The reason for that, that I needed to upload it with a delayed release, was because I was going to be in the suburbs all weekend, away from home. And it's not a big issue to, you know, just bring my MacBook in charger and, and, you know, just

upload it from there. Great Wi-Fi speeds. It would take like five minutes. But, um, I was just, you know, I, you got to lug your, your backpack on the train and, and back and forth and stuff, and it's already got a full bag and it's like, oh, if I don't have to carry this extra weight, I won't. If there's a solution to my problem, which I thought there was. The issue was I accidentally marked the video as private with the delayed release, just not thinking straight, but at the time thinking, okay, it's private, it'll come out of this time, then thinking, then it will be public and available to everyone.

That obviously didn't happen. It was released at the time I wanted to be released, but it stayed on private mode. So basically the episode was released, you know, last, I think it was last, it was like literally exactly a week ago, last Friday at five, this 7 pm right now. That was when I intended to release the Easter special.

It didn't come out until Tuesday morning, or it wasn't made public until Tuesday morning, but Miyakopa, Miyakopa, is that how you say it? Latin for sucks to suck. Yeah, thanks for pointing it out. And that episode is up. If you missed it last week, my apologies. But I have not forgotten about you, right?

Bintown marches on. Today is our Bintown podcast, fourth annual taxis special featuring Matt Fiedler. And I'm gonna be completely honest. We just hopped off the phone. We just recorded the interview. It went way longer than expected. So I know you can already see how long the podcast is.

I apologize, that's my fault. Because I kept coming in with the hard-hitting questions. But it's kind of exciting now, because I can like preview what's to come. I mean, we've got CPA practice exam questions. We're talking about capital gains and what it means for you, the little guy. We discuss musical interests and a lot of other, you know,

fun things in between our interview ended up lasting almost an hour. So what that means for you all is that you're not going to hear that much from just me today. Most of this episode is Matt and I talking back and forth. So my individual section that I'm actually recording after Matt and I's conversation is going to be kept pretty short. I think I'm only talking for a couple more minutes here, but I wanted to, you know, just we talked about this last week. Last week, the big breaking news was that Gen Shaw had been arrested for two counts, one of wire fraud and one count of

what was the other one, wire fraud and conspiracy? I don't know, something like that and here's the crazy thing, so last Wednesday Gen-Shah was supposed to have a Zoom call court date. But because this is a public court and a public hearing, anyone can jump on this Zoom call. And I wasn't part of this when it happened on Wednesday. This is already nine days ago.

But allegedly, not allegedly, apparently what happened from reading the news is that there were so many people who hopped on this Zoom call just out of like sheer fandom that the district court in Utah or, yeah, Utah, I think not New York. I don't know. I can can't I know I work for a law school. I cannot keep all this district appellate appeals or just she's she's she's in a Utah courthouse zoom room but getting tried by the Southern District of New York. I don't really understand how it works and I don't really need to understand how it works. Okay, leave that up to Brother of the Podcast, Jack Fernis.

It's graduating from an Ivy League law school this month. Congrats again. But basically, the Zoom call was flooded with people unrelated to the court hearing that Gen Shah's legal team and Miss Shot couldn't even get on the call. So they had to reschedule, and the reason I bring it up is because here is where Quenster and Rachel come in. They reschedule for Friday, so you know we're working.

Actually, I had the day off at Rachel's working. And I'm like, it's scheduled to, they're, you know, redoing it at 10 a.m. And I'm like, I'm gonna find this call. And so it ended up being a phone number that you dial into. It wasn't a Zoom call, it was a phone number. And I dial in at 10 a.m., which is 9 a.m. mountain time.

And I'm on the Gen Shot indictment hearing, along with her first assistant, Stuart Smith, aka Stu Chains. And it was just such an apologies for the language, but it's really the only, oh, there's two terms I could use, both are using cuss words, so apologies. Shit show or cluster fuck,

either one of those works. Because her, I think it's her legal defense team. The guy, it just doesn't understand Zoom. You've got echoes, you've got, you need to, you know, the judge is trying to say something and someone else is talking or there's awful background noise. It was really the echoes that were the worst part.

I mean, this thing probably took a solid 30 minutes of like, are you on? Can you hear me? There's something on with my microphone and just crazy like, whoa, whoa, whoa, whoa, whoa, whoa, echoes. But finally, the call gets going. The hearing gets started.

I put it on speaker phone, Rachel and I are listening there at her parents' house. And, you know, most of the talk is just between the judge and whomever the DA and her defense attorney. But there was one or two moments when you got to hear Jen Shaw speak. It was pretty fun. And so yeah, we heard the terms of her bonds

and flight risks and all sorts of negotiations. It was a wild time. It was awesome. Her trial, I believe, is set for October. Okay, so we've got six months to go until then. But hey, that second season of Real Housewives is gonna be nuts. Okay, and that's gonna be Must Listen Podcast, air time. When we get around to, you know, they have an announcement

that season comes out, because I, you know, they're still filming. I mean, she was arrested while filming. So, you know, that was only two weeks ago. So it's gonna be huge, very, very excited. One other thing that I, I mean, there's so much I could talk about, BT Dubs. I got my second, Rachel and I got our second shots on Saturday, and I think she felt okay.

I mean, she's been dealing with some other stuff, seasonal allergies, which is probably worse than my COVID reactions, but I got knocked on my ass. Arm soreness as bad as it gets, muscle soreness, muscle aches, real bad. The fever I had last Sunday night, probably one of the worst in my life, of my life, of my lives, what am I, cat? Really, really tough to fall asleep because you're just there, like heart rate is just skyrocketing.

Yada, yada, yada, yada. I was never like nauseous or anything, which is good. I'm fine now. But, fully vaxed, baby, fully vaxed, and fully waxed. Not actually, I've never been waxed in my life before, except for a couple of hands of cribbage in my past, not too frequently, just enough to sting. Speaking of sting, I listened to the police

greatest hits track on YouTube this morning, and I don't have anything else to say about that. I just like word association on the Bean Tom podcast. The one musical thing that I was going to mention was that I woke up this morning, and actually Matthew and I talk about it towards the end of our interview. We talk about music and like Wakey Gup

and you have a song stuck in your head. I woke up this morning with a song that some of you know, some of you may not know, but a classic David Byrne, Psycho Killer. There's a great YouTube clip. It's just him, his acoustic guitar, and a tape recorder, and the stuff he was doing back in, you know, late 70s, early 80s, was so modern, is crazy. I have not had the appreciation for David Byrne that I should have had up until very recently, but if you never listen to him or talking heads, more importantly, I think if you never like watched

some of their stuff, like live, I mean live songs on YouTube, go for it. Because just the creativity, but the artsy aspect of it, but also the sheer musical talent that that guy and his bandmates have in those videos. I mean, you can go watch Psycho Killer. There's a great tapy to the River version live, which is so much better than the album version,

because he really pumps up the tempo. Yeah, it's great stuff. If you like Bowie, go check out David Burnt. I wanted to just give a quick shout out to our sponsors because I know we're already pushing time here. This episode is going to be over an hour. I apologize for that. But thank you to our sponsors, you know, Home Pride Oregon.

If you need your home inspected and you live in Central Oregon, I got a great deal for you. His name is Steve and he's my dad and you can reach him at 541-410-0316. I was struggling with the phone number last week, I got it this time. Not by writing it down, it just came to me more clearly. Cuts by Q, we are an independently owned barber shop here on Chicago's North Side. And if you need a quick cut, nice and easy, you can call us, 8152987200, or email us, cutsbyqyahoo.com.

And of course, with the show in general, any questions, comments, concerns, complaints, or poems, or poems or other artistic pieces, you can send them to us email bean-townpodcast.yahoo.com and this bean-town being podcast.yahoo.com. You can also tweet at us at bean-towncast. My personal Twitter is at white buns. You know how to find me. Instagram I'm Q.QueenD. I should probably simplify those, but I like both of them so much white buns and Q.QueenD that I'm not willing to give either one of them up. Okay. And then finally the Samsung Q2U series when God speaks, he uses a Samsung. Samson. Alright folks well from my end that's all you are going to get from me individually. We are going to get the tape queued up that the recording that

Matthew and I did just about an hour ago and again it's our Beentom Podcast fourth annual taxes special featuring dear childhood friend and probably probably right up there with my brother Jack in terms of most ever Appearances in the podcast. He might be number one though Matt Feudler. He's a dear friend of the show and if you are Curious you like our conversation you want a little bit more of that. We have lots of other shows or our actual podcasts together, the White Noise Podcast. You can go listen to that wherever podcasts are listened to. And it's a fun show. And maybe one of these days we'll have a new episode come out,

which would be a lot of fun. So anyways, that's all I got for you on my end. And hopefully the audio quality slash level shift isn't too dramatic when I go from this live recording to the recording that we just made. I think it's going to be pretty consistent though, but if you have to adjust your volume levels a little bit, I apologize for that. It's tough when we're down to the one microphone, the one Samsung Q2U. So I gotta do a fun little like, hold the phone speaker right next to the microphone as I'm talking into it as well.

So we've really taken low budget to a whole new level. We're back where we started with one Samsung Q2U microphone. Maybe soon we'll be down to zero. So I gotta, maybe that'll be a good father's day present. Again, don't think I have any kids out there, but if there are any in your listening, now you know it to give me. So no one has any excuses this year, okay?

All right, that's all I got to say. We are gonna turn it over to Matt Feedler and Quinn Furnace now for our live interview. Take it away, boys. All right, and now for the moment, everyone has been waiting for, welcoming him back to the podcast for who knows how many appearances this is, but of course,

it's our fourth annual taxes special, and it wouldn't be a bean town podcast, taxes special without our tax man expert. The man the myth alleging if you could see his hair that I'm looking at right now, you would love it. Full Dustin Hoffman mode, Matt Feeler, welcome back to the show. How are you doing? I'm doing pretty good.

Glad to be here. There's a few quick things that you want to say. First of all, thanks for having me back so many times. Two, I think I and I've said this repeatedly, I'm not going to taxes, and that's not my profession. I know I keep getting introduced this way, but I think there is a testament there that you have not gone to jail yet for tax evasion or anything of that sort. So I'll take credit for that. Everything else, I don't deny in court. But yeah, glad to be here.

And yes, I'm accepting the full Dustin Hoffman look at this point. I circa all the president's men, right? Is that what that movie is? Throwback to that. Talk period. I only saw that one once, but yeah, it's, it's Dustin Hoffman and Robert Redford and Deepthroat. So, yep. Do you ever, you ever see that Liam Neeson movie Mark felt?

You know, it sounds familiar, but I don't think I've ever seen it. No. I, I never saw it either. Mark felt is, that's who they revealed to be deep thrill, like 30 years later, and then they made a movie about him. But I don't know anything about the movie other than the history of the main person, so. I wonder if my family had watched it recently, but I'm not sure. Yeah, I kind of, I saw a Reddit thread about this the other day about Liam Neeson and how

all his acting roles in the past 10 to 15 years have been exactly the same, which I agree with. And it kind of makes me, well, yeah, it works, but it kind of makes me bummed to think of like, you know, Schindler's list and some of his roles where he's doing a little different type of character. And I would, I hope at some point in the future, we get a little return to something like that because he's a great actor.

And he does a great job with the taken type roles, but he's good in other places too. There's a point where I don't know if his age can keep up with the physically demanding roles that they have on play. You know what I mean? John and Reeves, he's got some running room. He could probably do this for another 10 years, but like Liam Dixon, you can tell he's

getting a little faded. You know what I mean? He's, I don't think he's as spry as he used to be. He could get other people's ashes, so I don't know, I guess we'll see. Maybe he needs to drink some of that Scientology water that Tom Cruise has got mission impossible seven Coming out. I'm really working for him. And you know what? There's there's a like James James Bond movies that I haven't been a fan of But the mission impossible movies like they're all pretty solid like

Some there's some that aren't as great as the other ones, but they're none of them are like just terrible You know, I mean I absolutely love The mission impossible series and growing up it wasn't Really a thing. I mean we were you know aware of it And I think you know I think the fourth mission of possible came out when we were in high school or college or something like that. So there were really three growing up. And the first one is your classic 90s kind of spy thriller with John Voight and the iconic drop down in the helicopter scene, whatever.

The second one I think I only had seen ever once growing up. And I have gone back under you watch it and it's pretty weak. It's not great. But that third one with Phil Seymour Hoffman is very very dark Tonally and that's a really well done film and then the last three four five and six of all kind of felt similar in terms of Their make and feel but they they've got it down to a to a science sound they do a great job and I think mission possible six might be my favorite Like pure action Ghost recall is five fallout is six and the reason I love it so much

I mean Henry Cavill does a great job in that role But the two set pieces that are like the the main set pieces in that film, there's the Halo jump with Tom Cruise and Henry Cavill, and then there's the helicopter fight at the very end. And those two set pieces to me are just like, as good as it gets, when you realize that like, Tom Cruise actually did a Halo jump and they filmed him doing it, and he actually learned how to fly a helicopter and they filmed him doing it. And it's just as crazy as he is and I don't think I would like him in real life but he just he's amazing there's no one else like him. He's very dedicated. Yeah I had I had seen like a behind the scenes on that

Halo jump and he had to do I don't know if it was like 250 jumps before he could do jump by himself or something like that or he had to get I don't know if it was like 250 jumps before he could do jump by himself or something like that Or he had to get so many jumps and before he could do that jump and the funny thing is there's a there's a guy that jumps with him A lot of people don't think about this one. They watch movies, but That's someone who and I'm sure you do this as well someone who like is really into cinema You're thinking about like wow about how did they film that? They literally had a guy with a red camera, which is a huge Hollywood production camera,

strapped to his head, and he jumped at the same time with Tom Cruise. He literally backed off the back of a plane and jumped and tried to get keep Tom Cruise and frame the whole time. All right, that's just a little logistics behind some of those shots. They're just wild. You know what I mean? And Tom Cruise does it all, if not most of his own stunts, right? Like that's just, that's crazy.

Yeah, I think it's in Mission Impossible. It's either five or six, but I think it was five. He breaks his ankle and they use that take. And he's, oh man. The worst part is you can see where it breaks. And then he takes some pretty heavy steps after that. I'm at full time. It's like, oh, whoa, that would hurt. That would hurt so much. Yeah, he must just get so psyched up

that he's got the adrenaline pumping and he's just pain tolerance is through the roof. Yeah, I must be in that water, you know. Exactly. Well, Liam Neeson, there we go. If you're listening. Well, let's get down to business before my phone crashes here. The reason for the season, April 15th is coming up and I recognize fully that once again the deadline for most people has been extended. But of course it's a good time of year as good a time of any on Friday, April 9th when we're recording here to do our taxes. Special Matthew has joined us every single year

for this particular episode and and plenty of other guest appearances as well. But Matthew, I know you were not humble. It's not the word I was looking for, but but always humble. But you were you were cautious with my introduction. Why don't why don't you tell all the listeners at home exactly what what you do what you don't do, and then we'll jump into some of these hard-hating questions. Okay, that sounds good. I think every year, I'm taxed time, I normally get a handful of texts.

I think I can go back. I think I got about 9 or 10 this year, just like, hey, I got a tax question for you. And normally, my response was like, okay, my question is probably going to send a zero school exam probably don't have the answer. But so I am an accountant. My day job is an auditor.

So I think a lot of people in here auditor and they think of the IRS, I am not so either in any way shape or form with the IRS, but we will the company that I work for, and it does on a bingo for public and private companies. As far as size, if you're in the accounting world, the big four probably is very familiar term to you, but our time isn't quite. I think if there is like the big, the top 10 reprise, we'd be in there, but we're not as large as some of the Y or KPMG larger accounting firms. But basically, a lot of the audits that I do are required by banks or borrowers or people

that read the financial statements and we will go through and test the company's financials in a way of different ways and basically say, yep, this is materially correct. So if you're not asleep by now, I could go on. Karen, if you'd like. Oh no, I think everyone is ready for a hard-hating CPA practice exam question to kick us off. And then I'll ask you one of these and then I'll back off and ask you some nicer questions.

Maybe we'll come back to another practice one later. All right, that sounds good. As long as it's not for a POC or percentage of completion type accounting, I will see if I can win this one. Well, this is from the AUD section of the CPA exam. Good. I should notice, because your steps are there. Well, that's why I picked it,

because I wanted to have fun and be kind. So this is a multiple choice question. And if you're following along at home, grab a pen and paper, not that it's terribly lengthy, but there's just some jargon and terminology in here that you might not be familiar with. So here we go. The question is this. The controller, is that how you say it? Because I know you see. controller, yeah. Sometimes I get that's that M in the P. It's like the word kernel. It just doesn't make sense. Well, or you could say a controller. I've heard

people say that quite honestly. I don't think I've everroller. I've heard people say that quite honestly. I don't think I've ever really added a company that had a Comp-Troller. It's normally their title as Controller. OK. Or Controller, if you meet them in the parking lot, you can get a little bit more loose with your jargon. Normalize Controller with VR.

Or after a glass of Jack and Coke. Yeah, sure. All right, here we go. The controller of a small utility company has interviewed audit firms like the one you were for, proposing to perform the annual audit of their employee benefit plan. According to the guidelines of the Department of Labor,

the selected auditor must be, and now we have four answer choices, okay? Answer A. The firm that proposes the lowest fee for the work required, answer B. Independent for purposes of examining financial information required to be filed annually with the Department of Labor, answer C included on the list of firms approved by the Department of Labor, and answer D, independent of the utility company and not relying on its services. Let me know if you need me to clarify or repeat anything. Well, my immediate reaction is B and D. So the second or last one.

I don't think that there's go ahead. No, I should say we're doing this SAT style. So or GRE, you got it or LSA or any center dice test. It's one answer. So pick the best answer. I'm watching you through my process. Gotcha. Go ahead.

So those other, those, I think, A and C don't have any distinct bearing. I don't even think that the Department of Labor has a listing of approved quote-unquote accounting firms that are able to do it, but I think the distinction is they go with the last one. I'm going to pretend that instead of D, you said B, and I just couldn't hear you very well. See, and as I said the last one, that's probably B, but there is something to be said of, if it's a smaller accounting firm, right, and let's say I just run, you know, Matt Feedler, Inc, or, you know, in Sons or whatever, and we're doing an audit of an employee benefit plan.

Some determination, if like something were ever to come back saying a thought it was not done correctly, you would get things pretty hard if there weren't that many customers or clients that I had. I was working on select few and I would give them more favorable audit than I probably should have just because they're not because because I don't want to piss them off. So that would kind of break independence, right? So I think that's kind of redundant, but, okay, be. At least I've narrowed it down

to one of the right answers, right? That's pretty good. Hey, what type of percentage you need on a section to pass the CPA exam? 75%, 75%. you need a section to pass the CPA exam. 75%. OK. OK, not bad. Not bad.

So you're at 50%. So if you get the next one right, you'd be in good shape. But I promise we're going to back off those for a second. And we're going to ask a little bit more open-ended questions, still about taxes. And then I got a non-tax one for you. But I know everyone here is listening

because April 15th's coming up. Capital gains. Oh, no, boy. So I experienced capital gains and taxes and turbo tax and all that fun stuff for the first time in my life, last month when I was filing taxes. And I could Google this and I just haven't, or I forgot when I last did.

Talk to us a little bit about capital gains, what they are, what it means, and anything else you want to share. Yeah, so I'll tell you kind of my understanding of capital gains, and then I'll close with my view of them, which will maybe brush just ever so closely against politics, but we'll be up there when we get there. So capital gains tax as you and I,

Quinn, we kind of have discussed on other occasions. When you invest in the stock market, or it could be markets around the world, right? But when you're investing there and you record a game, it might be unrealized. We call it unrealized if you haven't actually sold the stock that you had purchased, and it actually increased in value, right? So the difference there is your gain, what you paid and then what the current value is, if it's higher than what you paid, you have a gain.

But until you sell it, it's unrealized. As long as those gains are kept on realized, you don't pay tax, but you will pay tax the year that you sell them and you actually get the money for that purchaser or for that sale. The way that capital gains tax works though is the government will look at that as a type of income and it is, right? You basically use your money to make money but there's a few distinctions that would probably

change your approach towards investing or trading. And that would be short-term capital gains versus long-term. And my understanding is, I think short-term is closer to like 20% and long-term is closer to 10. And what that means is if I buy and sell something and record a game within the period of a year that I purchased it, so let's say I bought a, let's say I bought a one Starbucks stock or something and I sell it six months later and I made a few bucks that gets taxed as a short-term capital game at 20% or whatever the rate is for the

short-term capital games. If I were to buy that stock and sit on it for an excess of a year, then my tax came that would be less, right? Because, and I think the whole reasoning behind that is the government is trying to limit volatility in the market. If you have more people buying and holding, you're going to kind of avoid these large swings, right? That some of the day traders will cause and I won't get into the AMC game stop situation that happened earlier this year, but it's kind of a prime example of like people, if it's worth it to you and you can turn a profit, it's quite honestly, you are still turning a profit,

you're not being taxed 100% for short term gains. It's just 20%, which is a lot, on money that you've already paid taxes on, you just made more money off that money. But I think it's the case in point of it, it's tried to have one minute, some market volatility. That being said, and this is where I close with,

my thoughts about it, it kind of sucks. You know what I mean? I say this as a person that, you know, when you're making a little bit of money in the market and you're like, oh, this is awesome, and you're going to pull it out if you get things, but you know, extra tax. But I can understand why the government does it.

The one thing I'm kind of against, so has increased taxes on investments. And it's just kind of a double-edged sword, right? Because you do have, I would guess, classified them as a wealthy elite, right? Day traders or this quote unquote Wall Street general that's making a fortune at the expense of some other people. But I think when there's no distinction of the little guy,

like he or I,'t wear, like we got our stimulus checks and if we didn't need that immediately for paying rent or groceries or anything like that and we're one of those lucky people that we're able to keep our jobs during the past year, I put that money in the market. I think what ends up happening is when you start playing around with the tax rates on everybody, you hurt the people that are, you increase the barrier of entry for someone like you or I that wants to invest and potentially grow their retirement and be financially responsible, you kind of, you ding them instead of trying to help them when you do that. But I don't.

At the end of the day, as long as you keep it in an excess of a year, that would be my recommendation. Not going to be the whole swing trades where you buy something one day, sell it the next day. I'm gonna be honest with you, I'm not that, I can never make it as a day trader. So a lot of my stuff are the long-term holds at this point. It's a lot less stressful that way. So.

Gotcha. It sounds like every libertarian's nightmare. Yeah. You know what? I feel like as time goes on, I'm a little bit more libertarian and I think I ever thought I was. But there's so much going on for either parties and I just, I don't know. I just rather, I don't know if I'd rather build a log cabin and hang out in the woods or what. I haven't gotten known man fully yet.

But I haven't embraced that life. Well, hey, hopefully we are both under 50 years for retirement at this point. So we've got something I look forward to. I got a pull chart started, but it's very, very long. Nice, nice. Well, I want to, we've been, we've been grilling your heart with a couple of tax questions to start us off.

And one thing that I, we've probably talked about it either on, on this show or on our other show, the white noise podcast. Which is a whole other topic that I like to get into sometimes, but I'm not going to today. All I'll say about it, all I will say about it is that if you didn't know, if you're a new listener to the Bean Tom podcast, if you didn't know, Matt and I have a different podcast

called the White Noise Podcast. You can find it wherever podcasts are listened to. I think we have seven or eight episodes, something like that. And... Amazing seven stick out. Yeah, if you're having fun listening to this, you can go check that out.

We got another three, four hours worth of content from those episodes. If you want to listen to us goof off and have fun, that's all I'm going to say about that show on today's episode or about that show on today's episode or about that that Podcast on today's episode What I wanted to ask you about is Music was a pretty important part or I'd say aspect of our relationship growing up and still you know I think what two three years ago we even did a bean town unplugged

I was trying to get through what I wanted to say without without breaking and I couldn't because that that being time plugged still it lives on YouTube it lives on the podcast it was a nightmare for so many reasons mostly my fault but it's so on YouTube I'm going to go I'm going to find it and I'm going to dislike it right now. It's it's It's rough. We had fun, it just, it wasn't translating the good music all the time. I would say the concept was fun when I actually started executing, I had less fun and that was because I was getting sick and it was just, it was bad. And mostly I take the blame for it.

But what I actually wanted to ask about is, I haven't asked you about sort of music or anything related to music much lately. I'm curious, you know, what are you listening to? Are you playing any music? Are you creating any music, writing any lyrics? I know you're a busy man, but just give us a, give us a, you know, let's catch up on that topic.

Yeah, that's a good question. I'm gonna be honest, I used to do some writing. For those of you who don't know me, I've never been super musically talented. I know chords on a guitar, I can find out some stuff on the piano, but I'm not great. I can't like read you know music I can just hey the a in Halstrom music theory from Jennifer Harsberg's class you got would speak otherwise Yeah, well, it's been so it's been so long and I never really kept that up

But yeah, I so I don't play music as much as I'd like. Right now, we're kind of in the middle of our busy season at work, which typically covers around the tax time. And after that period, I do look into, I'd like to get back into, I do make some occasional YouTube videos or work on music and stuff like that. It's just kind of a creative outlet. It's fun.

I'm not great at either one, but it's just fun for me to do and at least try to be somewhat creative. That being said, music, like recently has been just more of a real acting thing. Like it's just so easy just to pick up the guitar or whatever, play it for a half hour and then go back to working or just a living life. It's a nice way to unwind. But as far as actually recording anything, I haven't done any of that in a long while.

As far as what I'm listening to currently, it's I think my music taste is kind of diversified over, I think back when we started like connecting over like songs or stuff like that, a lot of it was cold-played centric. There are some other bands in there too, but since that point, it's a little more sporadic. I find myself leaning more towards acoustic or just like very stripped down music. I, well, when we were still able to do so back not last year, but the year before my girlfriend, I went to quite a few concerts of some of our favorite artists. Gregory Allen, Ice and Coff was one. Bonavere was another one.

Lord here on. And the great thing about those bands are they're just, they're so good live. Like they're almost better live than they are on their on their records and if you can't if you can't go see someone who's that good like live then I wouldn't say that they're more a performer than a musical artist I know that's I take over here but I think it's true but I think when you have more stripped down stuff, it just kind of reveals how good of a musician, that person is, how good of a singer, and things like that.

So I think I'm thinking to Bob Dylan, I'm a big and blown of air. Gregory and I, it's a couple, they're probably my big three right now. That is poignant what you had to say about, and lots of crowd those are probably my big three right now. That is poignant what you had to say about, you know, live music versus recording artists and I, or studio recording, I think I would agree with that. The root part is I think you spend so much money on concerts and it's like it's hard to adjust. It's the same thing is like, oh, I don't want to go to like a football game to go see that or baseball game

It's so expensive. I could just watch on TV or you could say the same thing about music that music is just like It's less about Entertainment, I mean it it is entertaining, but then there's just it's a higher echelon of entertainment I would say. User's kind of spiritual, you know what I mean? But yeah, if you have talented articles, I think that's, it does a lot more for you than a lot of things that you can go do spend your money on personal opinion. No, I'm right there with you.

I'm curious what's the last concert you went to? So the last concert I was supposed to go actually I was gonna see Greg Gray on ice to cough John came I go and I had seen him at the red rocks and call a lot of but we're gonna see him again Somewhere around Chicago, but that was canceled because of COVID and We also had tickets to see Colleague, which is another good artist. And that was, some are fast, that was canceled because of COVID. So I'm trying to think, I really don't remember. The last concert we might have gone to was,

how was your maybe? OK, OK. I think, yeah. And that was pretty good. uh... have gone to was um... was your maybe i think that that was pretty good a lot of uh... uh... tweens and young adults

and we're packing their pretty tight as a little sweaty and thank you very good it wasn't it was actually at uh... the e Eagles like ballroom and Geez, where is that place? It's it's him towards Milwaukee. Okay. Okay. Yeah. Yeah, I I had tickets last summer for both Gaga who I don't like I actually there's I probably told the story in the podcast before when I was in Philadelphia and I was at a Gaga concert and never actually saw her because she had health issues. But that's another story for another day.

But it was just, I got really cheap tickets through my city account, whatever. But then I also, the one I was much more excited about was Green Day and Weezer and Fallout Boy had a stadium tour scheduled for last summer. And so I got wriggly tickets to see that. And I don't care about Fallout Boy, but I'm a huge Green Day fan. And Weezer, I don't know as much as a lot of other people do, but I still enjoy watching them and I still enjoy listening to them. And so I was definitely bummed that those two concerts didn't happen. But I think the last concert I saw was January 2020, Ben Gibberd came to Chicago, in Tally a Hall, and that's like as good as it gets. That's the one that I would love to see in concert.

I'm a low-key deaf care for QDF, I don't listen to them as much of this this time last year, right? When the pandemic really hit the US he did a live show like every day. I think I caught well. I think I did. I think I did. I think I did. I think I did. I think I did. I think I did.

I think I did. I think I did. I think I did. I think I did. I think I did. I think I did. I think I did. I think I did. I think I did. I think I did. I think I did. where this this time last year, right when the pandemic really hit the US. He did a live show like every day. I think I caught well, I don't think I caught it every day, but I think

I caught one of them. Yeah, I think you I think you heard about it on your show. I think you brought it up on the podcast. Yes, that's when I watched it. But I mean, there's there's kind of two parts. So one is it's, I mean, he's got, you know, the entire series he did was probably at least like 20 shows or something like that, that of, you know, 45 minutes of music of just him acoustic, which is just amazing in its own right. But it's also, and I haven't done this,

but I think I have to be like emotionally ready for it. But you can go back and it's a total time capsule for like what we were feeling, what we were talking about. I was thinking about this on my walk just right before we started recording where I actually had an MP3 player at this time last year that had an FM radio. And so when I would go on my walks this time last year, two weeks after I started working from home,

I would always listen to NPR. And just the types of interviews, conversations they were having a lot of times talking about the stock market and the volatility that was going on this time last year, it's, I don't think I, not that I'm emotionally not ready to listen to it or think about that sort of thing, but it'll hit you hard and it make you pretty reflective like thinking back to one year ago, so but

Back to what I was I was saying yeah Ben Gibber like he's got all that stuff if you just go to death cabs YouTube channel I think I think they've kept all them up I haven't checked but What's it's online?. What's its online? It's never not online, right? That's true. Yeah. Well, one other point I wanted to make

before I have two more questions before I let you go, because I know it's getting late here. I wanted to make a mention of this to you, because I haven't actually mentioned it to anyone else who may or may not have seen it. And this is, of course, COVID-dependent. to you because I haven't actually mentioned it to anyone else who may or may not have seen it. But, and this is of course COVID dependent, but this summer kicking off a tour, and I just learned about this like last week, James Taylor, Jackson Brown, in concert together, I think

tickets are on sale right now and I haven't bought yet, but I think I will pretty soon. I've just been like holding off because of COVID, but I need to do it soon. But it's like mid July, late July, something like that. I don't remember. But I've seen James Taylor live at Caesar's Palace. I've never seen Jackson Brown. But if you like Ben Gibber and you like acoustic Ben Gibber,

like these guys are like kings of that style. I think these trailers are kind of like that. Yeah do you use trailers, I kind of like, man? Yeah, yeah. So I would, I would just say, like, go check it out. I need to, you know, revisit it this weekend and see dates and prices. Oh, how far out. Like, we're able to, like, when they start

planning stuff again, because I literally, I had mentioned that Khalid Council, that drunk, and I had tickets to, and I just got an email literally like yesterday about our refund or like you want a refund or do you want to put it and it's like well if we're gonna go see concerts again maybe we're just gonna credit you know I mean yeah but like who knows I don't know when they'll be considered safe to do so I don't know yep it's be considered safe to do so. I don't know.

It's all up in there. Yeah, that made me think of actually one other point I'll make or just not story, but another band that I had tickets to would probably, I mean, stuff to call one band your favorite band, but easily in like my top five, top 10. And relevant right now, because they dropped a new album this week, the Fratellis, who you might know for Tossy Dagger,

they dropped their sixth album this week. And then just have, oh, I guess the title had one, was it two years ago? Their most recent one was, I think, 2017, maybe 2018. I'd have to go back and look. It might be 2018. It might be 2018. But this album, it's called, well, so I was supposed to, they were supposed to release this album a year ago,

and I was supposed to see them at Metro in Chicago this time last year. And Chicago is always a really fun show, because they come out, they play Chelsea Dagger, and everyone knows it, because everyone's Black Black Ops fan and it's awesome. But this album is called Half Drunk under a full moon, I think is what it's called, it's a lengthy title. But if you're going in and you're like, okay, let's listen to Chelsea Day or for 10 tracks, you're going to be really disappointed. It's super, they kind of went like Taylor Swift in terms of what she did last year. It's like super mellow. There aren't any like headbangers or

bops on it. And the first time I listened to it, you know, last week over Easter weekend, I was like, and I don't know. This is kind of like, okay, but I feel like it's just putting me to sleep. But the more I listen to it, which happens all the time, the more, especially the tracks that weren't singles, they released beforehand, I'm like, okay, this is good. And you might have to go look up the lyrics online too because being a Scottish band, you can't always exactly hear what they're trying to say.

But John Fertelius, the leader of that group is just very poetic, almost like Ben Gibbert in his lyrics. So yeah, that's my small little plug for one of my favorite bands, but it's good stuff. One thing I want to mention too, and I don't know if you've kind of seen this in your life. I feel like I've noticed it more so like the past two years and just like my preferences changing. I think when I was younger, I mean like so much just kind of

evolved over the past few years. I'm only 27, 28-ish. You're going to be towards end of the year. But I'm less about like the rock, the hype, the pop music. It's more like just, I would like good like poetic or like meaningful music now. Like I'm sick of beer. I would much rather drink a glassy or just one good, you know, cocktail drink. It's just, everything is more like in moderation. It's less of, I don't know, I'd under stay home, then go out and, you know, deal with logistics and all that stuff.

Maybe I'm just being more boring now as I get older, but I feel like your preferences kind of are starting to change and that translates directly into the music that I listen to, for sure. Well, no, it's definitely a natural age progression. I also, for me, I know that a lot of it comes down to mood. Like, sometimes I'll wake up and I'm like, oh, I woke up and this Beethoven sonata was in my head.

Like, today's going to be a Beethoven day while I'm working from home. And then other days, literally, and this is my church upbringing and like, working as worship leaders and churches, I'll wake up and have some like super hype gospel song in my head. And I'm like today's gonna be like a pump it up, like Christian music weird kind of day like that. So yeah, it just kind of depends on, you know, I don't know the psychology behind this stuff,

but like sometimes I wake up and I've got a certain song in my head and other times I'm feeling much more just like whatever. But yeah yeah I think it's natural and it's like go with the flow have fun with it and you know explore so yeah yeah for sure I've got I've got two more questions for you I know we're we're hitting minute 39 which is already longer than I anticipated going so I apologize for that I don't mind always a pleasure to be out of the show, no matter how long the length of time is.

Well, my last question I promise is probably a short, quick, fun one. But this question is, you know, it is our taxes special. So we're going to come back to the CPA exam one more time. And this time we're jumping to the, I don't know if it's regulatory regulation section. But it's not a, this one's a lot, a lot zippier than the last one. Okay. Yeah, I'm just probably going to guess for this one, because this is going to be, I guess for those

of you who are listening, this will probably be more of your tax based question. Okay, well, I think you're up to the challenge. All right, here we go. If an exempt organization is a corporation, the tax on unrelated business taxable income, again, the tax, the tax on unrelated business taxable income again the tax the tax on unrelated Business taxable income is and here are your four choices a

computed at corporate income tax rates B computed at rates applicable to trusts C credited against the tax on recognized capital gains. We just talked about that. And or or D abated. And the only time I've ever seen that word in my life is there's a football penalty off sides or neutral zone infraction unabated to the quarterback.

So I don't think that's what I think says a but I think it might be the last one I'm gonna I'm just gonna guess and go with the last one. Oh, man. You got a phone. You're good Damn it. I have a full time. Yeah, I know The answer was a computed at corporate income tax rates so It's kind of a small thing but a lot of people say, oh, I work for not-for-profit. Well, I guess what I hear probably most commonly is a nonprofit. Nobody ever wants to work at a nonprofit, because that means that your company's not making money.

If your company's not-for-profit, that makes sense, because you weren't looking to make money to begin with, but a small distinction between the two. But yeah, if you're doing something outside of that umbrella of nonprofit, then you'll just be treated like a normal, a normal, a normal corporation would be, and I guess that your answer would count back some of that. Who the hell knows what a band is, right? Well, as someone who works for a high institution of higher education that's both not for profit and maybe non-profit, I don't know. I can tell you, I'm not making money either way. It doesn't matter how you label it.

I got to tell you this. I up to my 403B contribution per cent into a little bit, which is the same thing as 401K. But cooler. But I upped it around Christmas time, something like that. So now my every direct deposit is a little bit less. And it's pretty depressing. I've gone, we went from four figures down to three figures with the bi-monthly direct

deposit. And it's just, it's a little bit more depressing seeing, you know, 9, 5th year or whatever versus 1042 or whatever it was before. So, yeah. But I will say, what you are doing is what I would advise. So anybody that is watching, I think the rule of thumb is by the time you turn 30 you should have a year's worth of salary saved and you are 401k or 430p or your equivalent to a retirement savings account.

And then by the time you are 35 you should have two times your annual salary saved. And something that I've seen just by doing the employee benefit plan audits that I've done is there's people that are like 50, 55 that have like five grand saved. And it's just like that's not going to cut it. Like I think there's going to, we don't think about it. I think a lot of us, there are people are age, retirement isn't something that they're consciously thinking about,

they're thinking about bills, you know what I mean? Like I got to pay my bills and I can agree that's important, but also make a distinction of wants versus needs when you're younger because make a distinction of wants versus needs when you're younger because there's an interesting math problem where you could if you put away $10,000 each year between like when you were 20 and when you were 30 so over that span of 10 years so $100,000 that you you know, 30th birthday that you put away and you just stopped until you retired at 65. You would have more money waiting for you when you retired than if you waited until 30 and put $10,000 a year in between your 30th birthday in when you were 65. So that's how strong compound interest and growth in the market really can be. And it's just kind of wild. It's all time value of money at this point. And whatever you can put away now, do it. You think if it's a little bit, because you'll think you're

self-later. I feel like you should be running a seminar with this stuff. Like Dave Ramsey action, you could tour the country. Well, I'll tell you, most of Dave Ramsey's advice stems around just after that as soon as you can. But I agree, ref, like my girlfriend, John Kishie, is going to be graduating in pharmacy school soon. And obviously, school carries a lot of debt. Pharmacy school can carry a sizable chunk, you know, itself.

And the first thing is just like pay out like whatever you guys do, like pay it off as quick as you can. Because I think that is something that just kind of weighs you down, whether it's mentally, emotionally, financially, all the above. If you have the means to pay off, it's something you got to work at, but you will be happier probably at the end of how many years it takes you to pay it off, and you would be if you just paid off for 30 years or something like that. It's a tough one and I've been blessed to not a mass a large amount of debt so I can't relate to people that have very sizeable student loan debt but I guess my recommendation is just don't like don't eat out don't see movies just

pirate them online or something like that. Just stay in and try to pay off your debt as soon as you can because it's just it's a tough one for sure. I have to per FAA guidelines say that I do not endorse the Beentom podcast is not endorse pirating movies online and we do not the the views of our guests and affiliates are not representative of the Beentom podcast. I'll walk that back. What I will say is be friends someone and ask for a Netflix longer. I think that's probably the smarter way to do it. There you go. There you go.

I mean, I don't pay other than my Amazon Prime Membership, which I get Prime Video through, which I don't think I've used Prime Video in months. But I have access to Netflix, Hulu, HBO Max, probably something else I'm forgetting. and I don't pay a dime for any of it. That's the life. You're playing your cards right? That's what it sounds like. Well, I got one final question for you, and it has nothing to do with taxes.

What do you have in Perseverance? What happened in Perseverance? That's right,. I might finish off his lasagna that I had made. Oh, call you Garfield. Yeah, you know what? It actually might be one of the best things that I had made. I did it all from scratch. Even the pasta? I did it all from scratch. Even the pasta? Even not the pasta except for the pasta. Gordon Ramsay would have a fit.

I cooked the pasta. I did not order it out. I just, you know, I ordered a lot of pasta. And we got a nice and al dente. We'll have a nice cheap to them. But the hardest part was doing the layers. You know, you gotta get your,

oh yeah. I did some ricotta layers, you know, you got to get your, I did some ricotta cheese, some mozzarella, and parmesan with an egg and some parsley as well whipped it up real nice and had a nice coating, a tail and sausage or some of that in there. Honestly, I followed a recipe but it might be one of the best things that I've made so far, so I might finish that up. That's good stuff. And lasagna is pretty hard.

I was going to say it's pretty hard to mess up. I mean, from an ingredients perspective, I feel like it's pretty straightforward. Yes, it's pretty straightforward. The only thing is that how efficient you want to make it. If you can do the ricotta, the cheese mixture, and the sauce, and the noodles at the same time, that's next level.

Otherwise, you can just drag it out and make the prep time free time as long. I did a blend of both. I forgot about the noodles until towards the cheese joins again. And then I realized, oh, that's kind of important. So yeah, so I circled back and I made those. But yeah, Rachel and I did a virtual cooking class, maybe right at the start of this year.

And it was lasagna with a couple other things. But the classic beginner's mistake I made that I'm not even upset about, because it was still delicious, is using too much sauce and making it too soupy. I'm not gonna stay in the kitchen. I know because we got garlic bread to sop it up. And. Oh, no, it's not on the stage. I know, because we got garlic bread to stop it up and it's just like, hey, this is good stuff.

I don't care. I'm not trying to win any presentation awards here. I'm just trying to eat well. Yeah, you can always, there's some things that I don't like for other things. I'm not, I don't like too much sauce, you know what I mean? But when it comes to pasta, tomato sauce, like, oh man, the more the better, because you're always gonna have some

carb that you can wipe it up with, you know? Exactly. I'm not mad about that. Not at all. I feel you. Well, I know that was a personal question, but I appreciate you sharing. Of course.

And that sounds pretty, I mean what what night of lasagna are you on? Because I'm about to go hit my fourth night of chili over Okay, so I just made it last night So there's no and there's there's probably There's probably like four servings left As healthy it sounds like one serving if you want it bad enough If you want a bad enough. yeah, it's the same kind of thought process. I have with pizzas, which is any pizza as a personal pizza if you try hard and believe in yourself.

And I think that translates to the sun as well. Probably any Italian dish. You just got to eat fast enough to not notice the difference. Dude, I'm such a slow either. This is where I found out over time. I don't know if it's because I talk a lot when I'm sitting down with people to eat and I just forget about food in front of me. But I normally take a long ass time, but my dinner, it's not one of my greater qualities.

Hey, it's my oldest brother, Walt, will be listening to this episode. And he'll be texting me right when he gets to this part of the episode saying, Amen, brother, because he's the longest eater I've ever met. Hey, my last thing, we got JBL Burto's deep dish pizza one time when you were in Chicago, is that right? That is correct, yeah.

Yeah, I get, yeah, I've right? That is correct. Yeah. Yeah. I get. Yeah. I've had to stop getting JBL burtos. I don't know what they did. Their recipe has gotten like, you know, well, no, the sauce is good. But anytime you're going to deep dish pizza, there's going to be some level of grease involved, but JBL burtos has gone off the deep end with their grease. The last time I had their pizza, my skin was like broken out for the next two days. It was there, I mean, you just feel my forehead and like it was a nightmare. There was just oil everywhere.

And so I don't know if I had a bad night, but it's been maybe two, three months, and I haven't been back. So we'll see. I remember that time finally. That was a fun weekend running around Chicago, but. Yeah, as long as you're able to get here with good weather and non-COVID times, it's a fun place to hang out. And I'll be moving in what, two months here.

So we'll have a new, new fun place to hang. So you ended up be moving in what two months here, so we'll have a new fun place to hang. So you ended up, I know this is kind of not necessarily podcast. That's a material, but so you found a place? No, no, but I have not found a place, but I also did not resign my lease. So that pretty't know where. I will be living somewhere that is not here to clarify. So, but no, we're looking in unit washer dryer and close to the train line, and we're gonna try to have it all. So, yeah.

Hey, shoot for the stars. Mm-hmm. You can use Uber. Hey, it's the other thing. We were talking about paying for things that are important and stuff around the home, and you expand that up one layer and you talk about rent and I've done a pretty good job of, you know, I think some place out there it's like 25% something like that pay for your rents and I've always done a good job of being either under that or way

under that in my lifetime. So I don't feel that bad if it creeps up a little bit. So because I'm still under there. So the internet suggests that that's the suggestive 25% that's usually what I see. I mean, you'll see a variety of numbers, but it's around 25% is what I typically see. Yeah, that is interesting. Yeah, well, spread your wings a little bit. Maybe you can get up to like 27, 28, you know, paying for yourself. And then you can just cut back on the weebies. Oh, I haven't bought cereal in a long time.

But I have not eaten cereal. I don't know, two years. What did you have? Captain Crunch. Oh, boys. And I also got this. Dunkin' Donuts type of cereal. It made the look pretty good. It was delicious. Captain Crunch, just the berries. And I also got this Duncan Donuts type of syrup.

Because it made the look pretty good. It was just okay. Oh. It was, yeah, unfortunately. So I'm gonna mess. But next time I stop by the grocery store, I think I'm gonna get some just buy those bag cereal, man. Well, I was just gonna mention,

when I go to my grocery store they've got you know the the off brand bag cereals and those are by far the most cost effective and I haven't I you know I've lived here for two years and I go grocery shopping every week and every once a while I'll walk down the aisle and be like maybe this is the week I finally just like go off the deep end with sugar and decide I'm going to do it.

But I've always been able to restrain myself and head to the ice cream aisle instead. But maybe in the next two months here, you get one of those big bags for like 350 or something and half the time in your life. You're really wasting some valuable opportunities here because how great does this sound? What are the main ingredients for cereal? You got your milk, you got your cereal. What is ice cream but milk in a different form? You could literally get some nice like cocoa crisps puffs mixed that with a nice vanilla ice cream and and have yourself a grand old time. I need to have my bowl of chili's stat

before I run out the door and go nuts. No. Yeah. Well, Matt Fudar, I want to give you, I'd like to give my guests the chance to say anything or plug anything or, you know, recite some sort of old English poem, whatever you'd like to do, anything you want to share

your final thoughts on this year's being-town podcast, fourth annual, taxes special? Well, I don't have any old English poems, but one thing I will say is just be nice to people. Life's too short, it really is, I'm blind. And I think that's one thing that we've missed. People always talk about like, uh, last year or two, uh, quarantining and being away from people. And, you know, we're always stuck on our phones on Facebook, on social media, but actually connecting with human beings is, I think something that is kind of an in- innate thing that everybody needs. So call your family, call your friends, check in on them,

and be nice to the strangers that you do happen to you when you're out and about. That's all I was saying. Wise words as always, from the tax master and the sage himself, Matt Fiedler, our taxes specialist, as always coming through clutch on our fourth annual bean-tum podcast, Taxi Special. Matthew, I'll keep you on the line for one second after I stop our recording here, but thanks so much again for joining us. All right, everyone, that's all I got for you. I hope everyone is well enjoying the nice spring weather in Chicago.

And let's queue up some outro music. Everyone be safe, be sane, and man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, a man, man, a man, a man, a man, a man, a man, a man, a man, a man, a man, man, a man, a man, a man, a man, a man, a man, a man, M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M-M- nd Thank you.