Hey Riddle Riddle - Patreon Preview #233: Chatterbox 14

Episode Date: August 25, 2023

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Hey Aaron, hey JPC, guess what time it is? Put on a hat, takes out cane, what do you talk? What do you chat about? What do you talk? What do you chat about? I got it. I got it. We're gonna ask Let me have a couple shots of caffeine and I'm ready to be on your level. Let's do this

intravenous interest thing. Okay. It's a With interest I'm almost into the M. Okay. Okay, go. treadmill. No, Eminem. Get out of here.

We know what I hear. You're taking on okay go videos from 10 years ago. Hey, but remember those? I dare you. I'm impressive. They were always very fun to watch. But now, now it would be like a TikTok with like, I don't know, 6,000 views. Right. We've moved past being impressed by that. Are there a bunch of TikToks that are

doing a Rube Goldberg like machines? I have to assume so. I have to assume so. Yeah. I won't check. I have to assume so. Now this is a chatterbox episode. Famously with chatterbox, we read the questions from you. The patreon members in discord and we try and answer them to the best of our ability. What's that what's that channel of the discord if people look man I got a question that I think would be. Penguin net base ball. It's called the base ball no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, and it feels like. Okay, so we stopped calling it tossing one in the box and I'm the last one to know again. Maybe we splatted in the chat. Maybe we splatted in the chat.

Pattern in the chatter. Oh, Aaron's got a hernia. Let's get into some of your chatterbox questions. This one is from in vitro slash Dante. They say, what is the best financial advice you have, question mark, sorry. JPC boring. No, you must have some, you've traveled this earth

in, you know, 30 plus years. You must have some sort of, okay. There are many credit cards you can and don't keep track. Aaron, now, well, the first one is, could be like real financial advice. The second part is the most important part of what I'm saying. New, okay. That one I can't co-sign.

I can't co-sign on that one. No, my only financial advice, and I'm not very financially literate, is setup is much auto pay and auto transfers as you possibly can. Especially if you got ADHD like me, you're gonna forget some months to transfer to savings or whatever. So if you have everything automated, you don't have to worry about it. Set it and for get it. That's my only advice.

Okay. All right, slow roaster. My advice would be, we'll save JPC for less because it's going to be probably the best and the most thorough advice. Get a Costco membership. Would be my number one financial advice. Buy and bulk. Save a soak.

That would be yourself sulking around. First thing you get a lot of advice. Did our advice need to rhyme? Yes, it should. Did we say it? Did we say it? It's financial. It's called chatterbox, Aaron.

I thought it was pretty implicit. Yes, it should. Did we say it's financial? It's called chatterbox, Aaron. I thought it was pretty implicit. My other advice would be, I was gonna say, I'll add all the first thing that you got Costco if you get to get that Costco membership as a family. You're gonna want six, maybe seven kids to eat 26 kids of black beans.

That's right. And then you're gonna buy more wishes. I actually have another one too, that I'm thinking about. I think you can love something and not buy it. Wow. You can just appreciate something when you see it and you don't need to buy it.

Yeah, like a woman. Like a woman. Yeah. Like a woman. If you are in a store and you're like in a thrift store and you see like a beautiful vase, you can go, I love this. I think it's beautiful, and then leave it. Just because you like something doesn't mean you need to buy it.

Here's what you do, Aaron, because you were going to use that vase for decoration anyway, right? Right. Take a picture of the vase and then go buy a $1 picture frame, a hobby like that. Then put the picture of the vase in the frame, boom, but a boom, boop, boop, boop, boop, boop, you don't need to buy the $300 face. I have no room left in my walls for pictures of things I wish I had bought.

If you love something, take it for free. That's the old adage. My other piece of advice is, I'm pretty bad with money, famously bad with money. But I would say something, someone once said to me, whether it be a relative or someone said, if you ever get, if you ever buy something for a friend and the friend doesn't say thank you, congratulations, you just bought them a parting gift. Wow. So that feels toxic. And it was pointed at JPC. Um, uh, yeah, don't do that.

I did one time give a guy $20. And I knew that if I gave him $20, I would probably never see him again. He was like a friend of mine. And I was like, because he's never gonna, he's never, he's gonna be too embarrassed to talk to me about this $20 before it. I did at that time think, I'm paying off, I'm paying off this friendship. It's like a $20 to end this friendship transaction. And that's worth it. It's worth it.

For me, it was worth it. He's a wild guy. It's a cheap guy. Do you have any financial advice from Mr. Accounting? You know, there's a lot of financial advice that I think, one of my number one of the bullet piece of financial advice is do not, like, let's say you have a checking account. I think one of my number one of the bullet piece of financial advice is do not Like if you let's say you have a checking account

I think maybe number one get a checking account But don't look at your checking account as a total of like how much money you have that that's a very bad Indicator of like what what what current snapshot of your finances are because maybe you've like bought something on a credit card that you haven't like factored in yet or maybe There's like an automatic deposit that's coming in like a couple of days you don't actually have that money in your checking out because it's about to like leave to pay your rent or something like that. But that's kind of higher end. My actual like sneaky piece of financial advice is definitely investigate like-

Has to be legal. No, it's very legal. Investigate credit cards, especially credit cards that have points associated with them because you can use credit cards and then cancel credit cards, and it doesn't actually affect your credit that much. But depending on how you do it, I should say.

But you can use credit cards and get a lot of points from credit cards, especially ones that have introductory offers and ones that have no balance offers and ones that have like no balance transfers, like zero balance transfers, you could use those credit cards to pay off other credit cards. I had a friend in college who paid off all their student loans on credit cards,

which sounds like a really bad idea because the interest rate is like 29%. But if you do it with zero balance transfers for like a year and you keep pushing and pushing and pushing, you can kind of do some risky financial shenanigans that is very legal, but also leaves you to never pay interest, which I think is pretty cool. Risky financial shenanigans. Using credit cards to pay off other credit cards.

My whole life crumbles in six months. Risky financial shenanigans, something you'll be screaming in a courtroom when they finally catch you. Listen to the rest of the episode now by starting your free seven day trial at patreon.com such a riddle riddle. you