Money Rehab with Nicole Lapin - Funny Money with Comedian Sarah Tiana: The Eclipse’s Divorcee, Cracker Barrel and Tax Tears

Episode Date: April 17, 2024

Today's episode is another installment of Funny Money, where Nicole gives bizarre headlines from business and finance, and a comedian gives their famously non-expert insight on the topic. Today, Nicole talks to the hilarious Sarah Tiana, a standup comedian who probably wrote some of your favorite roasts. Sarah explains why she would marry the eclipse, what advice she’d give Shohei Ohtani amidst his gambling/theft scandal and why referees should only be women. Check out Sarah’s special 44 here: https://www.youtube.com/watch?v=_ArqsXiBzOU  $ If you're ready to find your dream team, use LinkedIn Jobs. Post a job for free at: linkedin.com/mnn   $ Want to level up your money moves? Check out Facet. Facet is the next generation of personalized financial planning that is making professional financial advice accessible to the masses, not just the rich. Facet will help you understand and expand your financial opportunities by providing you with a team of financial planners (with the CFP® certification you want) and a team of professionals across all the major food groups of your financial wellness: retirement planning, tax strategy, estate planning and more. To claim Facet’s offer for Money Rehabbers, go to: https://facet.com/moneyrehab 

One of the most stressful periods of my life was when I was in credit card debt. I got to a point where I just knew that I had to get it under control for my financial future and also for my mental health. We've all hit a point where we've realized it was time to make some serious money moves. So take control of your finances by using a Chime checking account with features like no maintenance fees, fee-free overdraft up to $200, or getting paid up to two days early with direct deposit. Learn more at Chime.com slash MNN. When you check out Chime, you'll see that you can overdraft up to $200 with no fees. If you're an OG listener, you know about my infamous $35 overdraft fee that

I got from buying a $7 latte and how I am still very fired up about it. If I had Chime back then, that wouldn't even be a story. Make your fall finances a little greener by working toward your financial goals with Chime. Open your account in just two minutes at Chime.com slash MNN. That's Chime.com slash MNN. Chime. Feels like progress. Banking services and debit card provided by the Bancorp Bank N.A. or Stride Bank N.A. Members FDIC. SpotMe eligibility requirements and overdraft limits apply. Boosts are available to eligible Chime members enrolled in SpotMe and are subject to monthly limits. Terms and conditions apply. Go to Chime.com slash disclosures for details.

I love hosting on Airbnb. It's a great way to bring in some extra cash, but I totally get it that it might sound overwhelming to start or even too complicated if, say, you want to put your summer home in Maine on Airbnb, but you live full time in San Francisco and you can't go to Maine every time you need to change sheets for your guests or something like that. If thoughts like these have been holding you back, I have great news for you. Airbnb has launched a co-host network, which is a network of high quality local co-hosts with Airbnb experience that can take care of your home and your guests. Co-hosts can do what you don't have time for, like managing your

reservations, messaging your guests, giving support at the property, or even create your listing for you. I always want to line up a reservation for my house when I'm traveling for work, but sometimes I just don't get around to it because getting ready to travel always feels like a scramble, so I don't end up making time to make my house look guest-friendly. I guess that's the best way to put it. But I'm matching with a co-host so I can still make that extra cash while also making it easy on myself. Find a co-host at Airbnb.com slash host. I'm Nicole Lappin, the only financial expert you don't need a dictionary to understand. It's time for some money rehab. It is time for a funny money episode. These are the episodes where I give bizarre headlines in the worlds of business and finance, and a comedian gives their famously non-expert

insight on the topic. Today, my guest is the hilarious Sarah Tiana. Sarah is a stand-up comedian, a writer, a roast master. Her latest special 44 is on YouTube. And after listening to this episode, you are going to want to check it out ASAP. Today, we cover the weird news coming from the eclipse economy, a scandal in the MLB. And I'm just going to say she is definitely not a non-expert there. And Sarah's favorite restaurant, Cracker Barrel. Here she is. Sarah Tiana, welcome to Money Rehab. Oh my gosh, thank you for having me. I'm very excited. Oh my gosh, I'm excited to have you. Have you ever needed Money Rehab?

Yeah, I mean, I'm not good with money. I've never been good with money. Even growing up with our allowance, my sister and I, we would get a dollar a week or $2 a week. And my parents always said, and this was a great thing that they said, which was like, we'll buy you anything you want as long as you pay for half. So if you pay for half, you can have whatever. And my sister and I were like, we're going to get a trampoline. We just have to save up for 80 weeks. And by week four, I was like, no, I like like candy and I just like spent mine and my sister

saved the whole time so we're the opposite she's way better at saving so she's better now got the trampoline for you guys no no no because I never saved are you still in need of money rehab I'm always in need of money rehab I'm always trying to learn new things especially now that I'm always in need of money rehab. I'm always trying to learn new things, especially now that I'm a mother. And like, we started a 529 I think it is for our first son for school, you know, for his college fund or even high school if he has to go to private school or something. So we started that. I'm just I'm just really learning. A big thing for me is that, you know, when I was doing, when I was first starting comedy, I was waiting tables and I was constantly working. I would spend all day working at the Beverly Hills hotel pool. I take a shower there, then go out at night and do comedy all night. And money just had all this power over me. I was always thinking about how I was going to pay my bills. Like, what am I going to do? And then I realized that when I'm thinking about money, I'm not thinking about comedy. And I had to let it go. I had to just like, stop thinking about it and stop caring

about it. Because I said, what I'm really nervous about is having to ask for help. I'm really just nervous that I have to ask my parents like, hey, can I have $100 for my electric bill? So once I let it go and I started just thinking, using all that energy to think about something else, I always had it. And so that has been my mentality with money is like, I don't think about it. I do put it away.

Like I do have like a Stash account and a Coinbase account that just like takes money out every month. But that's like the extent of savings that I do. And even when I, I remember once I, a show I was working on didn't get picked up and I was really nervous about what my next job was going to be. So I bought a car. I went out and bet on myself. I was like, if I need money, I'm just going to be like, nope, I need to get a car. So the universe is going to be there for me. And then it was. So I don't know if I'm lucky

or stupid, but. Okay. Well, you're definitely not stupid. Don't talk about my new friend like that, but it definitely matters. Money mindset matters. Like it sounds like you were more in the abundance versus scarcity mindset. And I, you know, listen, I'm not like here for all the woo woo stuff, but I do think that there is, you know, you know, the biggest enemy for money is between our ears. And so once you quiet that mean girl inside your head, it's not surprising that you were able to hit a stride in work. in work um and you know the law of attraction again not to be too woo-woo although i'm bringing up woo-woo things uh to go buy a car when you need money is counterintuitive but this idea that when you put money out in the universe it kind of comes back to you sounds like that happened as well but also can we talk about the 50 salads at the beverly hills oh pool. What the actual fuck? Yeah, they are. Are they made of magical?

Pixie dust. Yes, it is literally just dollar bills chopped up there. It's called the McCarthy salad. That's our most expensive salad. It is a very good salad. Because it's one that you can eat with a spoon. And my whole problem with salads is always that I don't like getting dressing on my face.

And you know, when you have the big leaves, you're like, it's always just like, you can barely fit it the whole piece of lettuce into your mouth and like, but the McCarthy salad you can eat with a spoon. So I don't think it's worth $50. But it is a very good. It's true. All right, before we get into funny money, I want to ask you, what is up with Cracker Barrel? What is up with Cracker Barrel? You mean the greatest sit-down restaurant? Sent from Cracker Barrel, which I'm obsessed with. I thought my email signature was clever. Tell me more.

It used to be that if it came from my computer, it said sent from Waffle House. And if it came from my cell phone, it said sent from Cracker Barrel. But now I think it's always the same. Cracker Barrel has a big significance to me because it was the first sit down restaurant we ever got in my hometown. We'd never seen waitresses before. We're like, oh, is this prom? We were just so excited. And it was busy all the time. And that's when I realized I didn't go to church because my friends were complaining about how busy Cracker Barrel was. And I was like, oh, well, we go every Sunday morning at 10 a.m. and there ain't nobody in there. So that was a really difficult way of learning that we were sinners. But I also have this feeling

that that's why my friends from home never got on an airplane before. Like most of my friends never traveled because they would say things like, well, I never left nothing in New York. I need to go get right. And I'm like, what a terrible mentality. But they have all these opinions on New Yorkers. They never been. And I was like, I never they never wanted to get on an airplane. And I was always just convinced that it wasn't the price of the ticket. It was that they were afraid they're going to get off the airplane and there wasn't going to be a Cracker Barrel. And they'd be like, where are we going to get a steak in New York?

Cracker Barrel is a great part. I'm from Calhoun, Georgia. We have a Nike outlet. That's excellent. I like Cracker Barrel. I worked at different small markets when I was in the broadcasting world. And like Sioux Falls, South Dakota, Lexington, Kentucky. I always liked Cracker Barrel. I worked at different small markets when I was in the broadcasting world and like Sioux Falls, South Dakota, Lexington, Kentucky. Like I always liked Cracker Barrel. I was vegan back then. And so the grits, fun fact, are vegan at Cracker Barrel. And then the fried apples too. They're delicious. And Cracker Barrel is a publicly traded company.

Would you invest? Do you invest? Absolutely. Yeah. I mean, I think because they're expanding, Would you invest? Do you invest? Absolutely. Yeah. I mean, I think because they're expanding. They actually never – we finally got one in Southern California when I moved here. I assumed that they would be everywhere, but they never came to California because California has earthquake restrictions,

and they make Cracker Barrel take everything off the ceiling. So Cracker Barrel is like, fuck you. We can't come out there. You know what I mean? Nobody can eat hash brown casserole without a wheelbarrow hanging above their head. And so not the same. Yeah, right. But but now they've gotten around it. Now they just have it on the wall. It's like extra stuff on the wall. So you just have like, old ladies from the 1800s staring at you while you eat, but that makes me comfortable. The stock, by the way, I will say is down 44 percent over the last year while the general market has

been up i wonder if that's because less people are traveling because cracker barrel was such a a traveler's restaurant they were always near the freeway they're they're rarely like you know inland so to speak but also truckers and people like that they you could get a book on tape and then you could return it at any cracker barrelrel. So it was like, it was really like a traveler's paradise, like for people in RVs or people on just like a road trip vacation. But I don't feel like people take as many road trip vacations anymore. And maybe if they want a book on tape, they get audible. Yeah. A podcast, right? It's just like on your phone. You can't really play a book on tape anymore. All right, sister, it is time for some funny money. I'm going to throw some bizarre

headlines your way from the worlds of business and finance, and then I'll be the money expert. You'd be the funny expert. Okay, let's go. Let's go. So first, obviously, we had to pull a Cracker Barrel headline. Cracker Barrel's first ever yard sale of antique restaurant decor items sold out in 30 minutes. Are you surprised? Oh, not surprised. You know, everybody loves a yard sale in a small town and everybody loves Cracker Barrel. So they're probably there anyway. They're just like, might as well pick up this hacksaw from the 1800s. Are you bummed you missed it? Yeah.

Yeah, right. No, I was there. Yeah, I got myself. I remember when my family got the rocking chairs from Cracker Barrel because you can buy them. Oh, the ones out in front. I also have the giant checkers. I mean, I probably already have a bunch of this stuff from Cracker Barrel, but if they're like, yeah, guard sale, come on now. They're expensive rocking chairs. I think they're like $200. Like they're not messing around. The solar eclipse just happened. As you know, experts were predicting a significant boom for retail in towns and cities along the path of totality. Altogether, the eclipse's economic impact might be as big as $6 billion between hotels, flights, restaurants, maybe some cracker barrels along the way, and souvenirs. What did

you think of the eclipse? I mean, my eyes still hurt. I looked at it. No, we were actually here at the office and somebody had the glasses. I saw that Amazon recalled the glasses. I love that. Just people are just going out with sunglasses like, oh, these will help. Like, no, it won't. And then somebody had a piece of paper. There's like a white printer paper. And then they would hold it in the sun. And then you could see on the ground, the shadow. We watched it. Oh, I love the eclipse because then it makes it feel like night and you can start drinking at 11 a.m. So that's what I started to do. Well, technically it's dark out. Perfect. Yeah.

I think there was some crazy thing with Fox News being like, watch out for the border. It's dark for four minutes. Migrants are going to come in. Yeah. Fox News isn't a fan of anything dark. No. So if it ain't blonde and white, it's probably trouble. If you're in the path of totality, the eclipse is expected to last, as you know, four minutes. That's it. Six billion dollars though, Sarah, for four minutes is not a bad wage for the eclipse. Like, would you be the eclipse's agent? I'd like to marry the eclipse.

If it's $6 billion for four minutes, I'd like to marry the eclipse so I could get $3 billion in a divorce. Next up, though, 54% of Gen Z taxpayers said filing their taxes this year has either brought them to tears in the past or they expect it to bring them to tears this year. Have your taxes ever made you cry? Oh, absolutely. Yeah. I mean, I live in California. My taxes make me cry all the time and I'm incorporated. We pay, what are the four times a year that you pay in? Like, oh yeah, it's, it's a lot, but I would pay 80% in taxes to live in California. Like, I don't care. Like we don't have bugs and snakes and rain, so I don't care. I would, I would pay more to live here. They couldn't pay you to go back to Calhoun, which I assume has

bugs. No bugs. It's like mosquitoes constantly snakes. Nope. I I'm good I don't need tornadoes or rain no we have the sunshine tax we have the bug free tax and you're down with it yeah I always say like I if it keeps like we we had a lot of rain in March and I was like if it rains one more day I move into a state that takes away my rights like that's not what i pay 80 taxes for yeah i want a refund yeah yeah no i remember the first year though that i was incorporated and um we paid my taxes all at one lump sum and i thought it was the first time i had never gotten money back i'd always been able to get money back because I didn't make a lot. And then when I really started making six figures, I was like, like the more money you make, the more taxes you pay until you hit a million. And then,

but I don't make a million. So I'm still paying, you know, 30, 40% on top of agent fees. So I'm paying double. And then Donald Trump took away where you get a write-off from paying your agents. He took that away. So now it's like you're paying twice. Like they're paying taxes twice. Like I'm paying them off the top and then I pay taxes and then they have to pay taxes of what I paid them. So I'm like, that's double dipping. That's not fair. what I've what I paid them. So I'm like, that's double dipping. That's not fair. That's not fair. Yeah. Breaking it up into quarterly taxes makes you feel better, even though you know, it's the same.

I know it's the same, but it's just easier. It's just easier. And for a while I was getting money from a commercial. I'm very blessed. Like I was in a Navy Federal Credit Union commercial like nine years ago and it's still running and so it's amazing you ask them for like some an account or some money in Navy Federal that's a great credit union by the way it's a great credit union I should probably move my money there but no I didn't I mean I feel like I make enough off of them. But you know, we just converted it to the corporation forever. It was just paying me and it took a bunch of taxes out. So that to me, I was great. I was like, yes, take all those taxes out so I can get all that money back at the end of the year and then pay for my incorporation taxes. But it wasn't, it wasn't crossing over perfectly. So now we converted it to the LLC and I mean it's nice

to see that big chunk come in but I just go anytime I get a job I go well will I is it worth it if because I'm only going to bring home half is it worth it that's how I have to figure everything yeah I think that uh I have maybe like cried tears definitely I've been an anxious ball of mess around taxes like I definitely irrationally think I'm gonna go to jail really are you cheating on your tax no I'm definitely not I'm like probably overpaying and you know, uh, I want to do everything right. But I have like an irrational fear that I get that. I get that where, you know, because the IRS doesn't make it easy, but also like, I don't mind paying taxes. I'm actually, you know, I'm totally fine with it. I just want to see the results of what I'm paying for. So like, if I'm going to pay 40%, I would like there not to be potholes all down my road. I would like,

I would like for the grass to be mowed along the bike path. Cause this is what my state and city taxes are for. I'd like national healthcare. You know, I would like women's bodies to be more protected. So like, I don't mind paying the taxes, but you got to give me something back. So that's the only time I don't, I get mad about it is when I'm like, I don't see the perks. Hold onto your wallets. Money Rehab will be right back. One of the most stressful periods of my life was when I was in credit card debt. I got to a point where I just knew that I had to get it under control for my financial future and also for my mental health. We've all hit a point where we've realized it was time to make some serious money moves. So take control of your finances by using a Chime checking account with

features like no maintenance fees, fee-free overdraft up to $200, or getting paid up to two days early with direct deposit. Learn more at Chime.com slash MNN. When you check out Chime, you'll see that you can overdraft up to $200 with no fees. If you're an OG listener, you know about my infamous $35 overdraft fee that I got from buying a $7 latte and how I am still very fired up about it. If I had Chime back then, that wouldn't even be a story. Make your fall finances a little greener by working toward your financial goals with Chime. Open your account in just two minutes at Chime.com slash MNN. That's Chime.com slash MNN. Chime feels like progress. Banking services and debit card provided by the Bancorp Bank N.A. or Stride Bank N.A. Members FDIC. SpotMe eligibility requirements and overdraft limits apply. Boots

are available to eligible Chime members enrolled in SpotMe and are subject to monthly limits. I love hosting on Airbnb. It's a great way to bring in some extra cash. But I totally get it that it might sound overwhelming to start, or even too complicated, if, say, you want to put your summer home in Maine on Airbnb, but you live full time in San Francisco and you can't go to Maine every time you need to change sheets for your guests or something like that. If thoughts like these have been holding you back, I have great news for you. Airbnb has launched a co-host network, which is a network of high quality local co-hosts with Airbnb experience that can take care of your home and your guests. Co-hosts can do what you don't have time for, like managing your reservations,

messaging your guests, giving support at the property, or even create your listing for you. I always want to line up a reservation for my house when I'm traveling for work, but sometimes I just don't get around to it because getting ready to travel always feels like a scramble, so I don't end up making time to make my house look guest-friendly. I guess that's the best way to put it. But I'm matching with a co-host so I can still make that extra cash while also making it easy on myself. Find a co-host at Airbnb.com slash host. And now for some more money rehab. All right. I know you're a big sports fan. I have some headlines from the sports world for you.

Los Angeles Dodgers superstar Shohei Ohtani is in the middle of a gambling scandal. His former interpreter was fired following accusations that he stole more than $4 million from Shohei to cover his illegal gambling debts. But it's unclear, apparently, whether the interpreter stole from the baseball star or whether Shohei himself was paying debts that the interpreter had incurred if you were his lawyer what advice would you give well I would have told him not to play for the Dodgers because the Dodgers have mismanaged every aspect of this they've they've lied at certain point you know you remember when Kate Middleton with

the royal family when they were like oh she's she's, she's just in a hospital. And then they go, well, she said, oh no, she's coloring, you know, like they just kept lying. And you're like, you're making it what, like, now we don't trust you for anything. And so the Dodgers have said all the wrong things. They've released different stories. Like the interpreter talked to ESPN and then gave his story. Then the Dodgers walked it back. Then they walked it back again. They go, oh, no, it was actually stealing from him. It was just a huge mess. And so nobody knew who to believe. And so you have to go, did Shohei Ohtani, who makes $60 million a year, did he just not notice nine different transactions of half a million dollars going out

and you know if you're a bank you know you have to call a bank to make a transaction that big if you're a bank and you hear a japanese person on the phone and then they they go well we need to talk to mr otani and then that guy, hold on. And then he comes back and acts like Shohei Otani. Like, would you be able to tell who is who? Like, I doubt it. And so I think it's very plausible that the interpreter stole from him. I find it less plausible that Otani didn't know about it. And maybe he probably just didn't know that it weren't allowed to bet through a bookie because that's honestly what the investigation is. The investigation is through the IRS. It really has nothing to do with, like baseball can't do anything about it.

It's the FBI that is making the investigation because you're not allowed to bet through a bookie. And that's what the interpreter was doing. So if I was Shohei's lawyer, I would say don't sign with the Dodgers because they keep mismanaging every aspect of this. But also like, just don't lie. Just be, you know, be honest. Yeah. Shouldn't be breaking news. But yeah. Yeah. Then you don't have to keep track of your lies. That's why I don't do it because I forget i would forget yeah me too owning a sports team is actually a way the ultra rich sarah beat the tax system sports owners can take deductions on team assets everything from media deals to player contracts and that helps them pay way lower tax rates at extreme levels for example steve bomber the owner of the L.A. Clippers, who reportedly made $656 million in 2021, had a 12% tax rate, which was lower than the tax rate of concession stand workers at the stadium.

If you were trying to lose money, which sports team would you buy? Oh, if I was trying to lose money? Gosh. would you buy oh if i was trying to lose money gosh i mean the oakland a's are always the example the thing is you can't really lose money as an owner that's why teams don't go up for sale like people are always like oh because i always said if i won the powerball if i won a billion dollars i would buy sports i would buy a baseball team like that's my dream and then people go oh you would just lose money i go no i want like they are all they a baseball team. Like that's my dream. And then people go, Oh, you would just lose money. I go, no, I want like, they are all, they only go up in value. That's why they're never for sale. Like the fact that the Orioles were just sold is insane. Like nobody sells baseball teams, even the worst teams in the league. The problem is the worst teams in the

league are spending like $30 million on payroll, but the baseball does something called a revenue share. So all the revenue created in baseball gets put into a pot and then the 30 teams in Major League Baseball get to share that revenue. So, and that revenue last year, I think was $140 million per team. So you're getting a check for $140 million for doing nothing. And if your payroll is $30 million, instead of like the Dodgers payroll is 300 million or 285 or something like that a year, and the Oakland A's is 33. And they go, well, you know, we're just at a small market. And you go, uh, like you're getting $140 million from Major League Baseball before concessions, before your own parking lot sales, whatever it is, you've already got that money. So you're just pocketing $100 million a year.

Don't tell me that you can't afford to have better players on your team. So I think the problem with baseball is that we have a salary cap, but there's no salary minimum. You should at least have to pay to pay a hundred million dollars for the players on your team so that you are putting a good product on the field and you're being competitive. I think that to me is the bigger issue. I don't obviously like, I would love to pay 12% in taxes. Like that would be a dream, but that's what happens. Like the more money you get, the less taxes you pay, which is obnoxious. That's right. And it doesn't just happen with baseball and basketball happens for football. They rarely trade hedge fund manager extraordinaire, David Tepper recently bought the

Panthers. You know, the Walmart family has the Broncos and on and on. The Braves, the Braves. Yeah. My team, the Atlanta Braves, just became publicly traded. So I bought stock in the Braves and that's part of my stash. Love that for you. I think I buy like $50 of Brave stock every month or whatever. I'm so sorry. I didn't realize who I was talking to.

Yeah, I'm just a big part of the stock market. Just a sports owner. The NCAA tournament national title game between South Carolina and the Iowa Hawkeyes was the most watched basketball game, including NBA and WNBA, since 2019, according to ESPN. Women in sports are fighting for equal representation, and one area where they have made some traction is as referees. I know you have some thoughts about their qualifications. Oh, yeah. You know, I think we're really good at knowing about three second violations and 10 second violations just from our own sex lives. But I really love I really love female referees in the NFL. I think only women should be referees. Who better at telling men what they're doing wrong? I feel like we are people are like, why do you keep score? I go, it's not enough for me to know when a man made a mistake. I want to know the exact minute he made a mistake so that I have receipts. Right. Like I feel like only women should be third base coaches.

Like we're very good at telling men to go home. Like these are all reasons that we should be more involved in sport. There she is keeping her score. Fantasy baseball generates an estimated $3.64 billion in revenue, and it's the second most popular sport for fantasy teams after football. With this in mind, can you tell our dear listeners about your observations about men believing that they can become professional athletes? Oh my gosh. Yes. I mean, my boyfriend does this all the time. Like I, I feel like the whole reason that we're together is so he has somebody to look whenever he says, babe, what's this? Right. Like, you know, and when I finally give him the attention that he's

craving, I will see that he's crinkled up a piece of paper into a tight little ball and, you know, and then he'll take his art and he'll throw it at the trash can or anything that's open you know like the hamper dishwasher my mouth and you know he'll make it you know like 40 percent of the time and it's my job as his girlfriend to be like oh my god you're amazing from downtown you should be in the nba you should be in the n NBA like this this is why the Knicks suck because they're not scouting for guys on their couch in the middle of the valley but it is interesting like that like no matter how old a man becomes he never truly loses the idea of becoming a professional athlete like it just lingers back there in their brains like a little plan d like

I just gotta hit the gym couple more days apply myself that's why men wear jerseys like they're not fans yeah they're like i can sub do you need a sub i'll sub so obnoxious all right sarah we end our episodes by asking our guests for a money tip listeners can take straight to the bank i'd love to know any money tip that you've learned that works for you It can be anything money related around negotiating, investing, budgeting, saving, buying a sports team, part of a sports team, anything. For sure, invest in a sports team. For me personally, my best advice is always to just just like I have my Stash account, like it just automatically deducts from my checking account every two weeks. And I've

picked a lot of safe stocks. And so that just gets deducted. And I don't think about it. I don't care about it. And it's just in there. And like every couple of months, I'll check it and I'll be like, oh, wow, I didn't know I had that much money. So I think blindly saving money and but putting it in a safe place. And then we also put money into our kids' fund, 529. I know you can only put like 10 grand a year in there, but it'll be so worth it once they get to college. Money Rehab is a production of Money News Network. I'm your host, Nicole Lappin. Money Rehab's executive producer is Morgan Lavoie. Our researcher is Emily Holmes. Do you need some money rehab? And let's be honest,

we all do. So email us your money questions, moneyrehabatmoneynewsnetwork.com to potentially have your questions answered on the show or even have a one-on-one intervention with me. And follow us on Instagram at Money News and TikTok at Money News Network for exclusive video content. And lastly, thank you. No, seriously, thank you. Thank you for listening and for investing in yourself, which is the most important investment you can make.