Smart Money Happy Hour with Rachel Cruze and George Kamel - Is Convenience Culture Worth Being Broke?

Episode Date: September 22, 2022

Scroll! Swipe! Spend? Rachel Cruze and George Kamel pour one out for the convenience culture trends making us BROKE (hello, Amazon Prime). In This Episode: ·     Feel-good free shipping, influencer recs and other things that make us say, “Take my money!” ·     George’s super SMART secret weapon for avoiding impulse buys ·     Rachel and George may or may not plead guilty to accidental theft Helpful Resources: ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a direct message to @rachelcruze or @georgekamel on Instagram! This Week’s Happy Hour Special: Basil Gimlet ·     6 fresh basil leaves ·     1 ounce lime juice ·     3/4 ounce simple syrup ·     1 1/2 ounces gin In a cocktail shaker, muddle five basil leaves with lime juice and simple syrup. Add ice and gin. Shake it like a Polaroid picture. Strain and top with remaining basil. *clink* Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy Hour. That was really good. Good plink there. Pretty great ding. Here we are, Rachel. First episode.

I'm so pumped about this. This has been a wild. This was just a glimmer in our eyes months ago. And we thought, let's just put some microphones up and chat about what we love to chat about. And now it's a real boy. Look at that. It's a what? I'm a real boy.

I didn't know I have to do the voice, but you got me there, Rachel. Freaking excited about this. We're so glad you all are here listening in. This is the show. where two friends who happen to be money experts, armed with a drink in hand, talk about money, pop culture, and all the stuff you wish your friends would talk about. So we're going to be those friends for you today. We are your friends.

Be the friends you wish you had. That's great, George. That's actually a good quote. We should tweet that. There you go. Okay. So in today's episode, we're going to talk about seven trends that made us broke. This is real.

But first, let's share what they can expect to start every episode, which is a drink. That's right. So we're going to talk until we finish our cocktail, or at least one of us, finishes. In this episode, what drink are we sipping on, George? Well, this is a basil gimlet. This is a tried and true, timeless classic, and it hits the spot. I love a gimlet, and then you add basil to it, and it's a whole new drink. The herbaceousness, that's a word, just really hits in this one. So wait until the end of the episode. We're going to give you our rating, the recipe, break down the cost, all that good

stuff. And for those of you that don't know who we are, you just found us on some algorithm them from big tech and you now you are here or a friend maybe recommended you. George is an amazing podcast host on other podcasts where he talks about kind of the dark side of money and he loves stand-up comedy. That is true, true statement. And Rachel, you've been helping people with money now for over 15 years. Does that make you feel old? It's got to.

A little bit. And you love a good conspiracy theory, which that'll have to be its own episode. There's a lot there going back. I already said the words big tech, so you know I love a conspiracy theory. Listen, enough about us. Let's get to what the people are here for. the trends that made us broke. Yes.

Okay, let's dive in. Number one, it hurts my heart a little bit, but Amazon Prime. I'm a primer. Me too. That's not what they call them. I don't know, do they have a name, like Beliebers?

I am shocked when people don't have Amazon Prime. Can I say that much? That is true. You know what? It is, at an event, I talked about Amazon Prime, taking that out of the budget to save some money, and I was, people were throwing tomatoes at me.

They're going to get off stage. People are emotionally attached to Amazon Prime. It's a part of them. So it is a part of Daily Rhythm, though. We use it. I'm not kidding, George. We probably get a package. If I say every day, do I sound like, do I sound insane? A little bit. But I think a lot of people are relating right now. And I have three kids, too. So it's just like, oh, you need stickers for your project. I don't want to run the target. It can be here in 24 hours. So we're going to just Amazon. We Amazon everything. That's huge. And Amazon is obviously expanded beyond just, you know, free shipping and all their shopping. They've got video content and they have all kinds of features now. But most people use it for the free shipping. And there's an interesting stat here. Repricer Express. Amazon Prime members tend to spend $1,000 or more per year compared to non-prime members who spend about 100 to 500.

Which is so, it has to be so true. Because think about it. The convenience, it's all convenience. You can get on your phone and in three taps, you can have whatever you need at your door. Yes. Instead of saying, oh, I have to go make a trip for it, okay, well, I'll have to wait until tomorrow

because I don't have time today, so I'll have to run errands tomorrow. And then by the time you get there, you're probably like, eh, do we really need that? Right? Time always makes you think, okay, purchases may not be necessary. And truthfully, a lot of the times they do have a great price. I was at Target the other day, and the lady at the register said, hey, I wouldn't buy the huggies here.

They're cheaper on Amazon. Just go ahead and do that. Huggies? Yeah. Diapers? George? There were natural care baby wipes, if you want to be very specific, is what she was getting. I thought you were buying diapers.

No, right? This lady, a lady, it wasn't me. Gosh, I thought a moment. I thought, is Whitney pregnant? Gosh, no. I would not be making the announcement on this podcast if she was. Well, I thought you slipped, and I was like, oh my gosh. No.

Okay. It was another lady in line. Oh, I thought it was you. No. I overheard this conversation. I'm sorry. Overheard at Target. That's a whole new segment we could do.

And they said, just wait for Amazon. And the lady was like, it's cheaper on Amazon. I went, this is how Target dies. All right. Next trend is. Google. Oh, boy. You have a lot of thoughts about Google, Rachel.

I know that. Oh, man. You don't like them listening to you. They do, though. I appreciate it because no one, my wife doesn't listen to me. At least Google cares. They're listening. Okay, and here's what's fascinating.

More than 80% of Alphabet's revenue. Alphabet is like the mothership of Google. Comes from Google ads. They have your search history, in-app interactions, past purchases, voice command, app data, online profile, your favorite websites. And, of course, they share that info with advertisers, which is one of the main ways they make money through advertising. YouTube. And you know how crazy, though? Advertising.

when your phone, like everyone's like your phone listens to you. 100%. Yeah, I know. Like, isn't that crazy, though? I know that's kind of old news, but Google's in all of that. Well, they used to be like, no, it's not listening to you. It's based on who's around you in your environment. No, they're listening.

They have that microphone, man. If you're like, hey, I'm going to get out the grid. We should get a Miclobe Ultras at the golf course later. You will see an ad in your Instagram all over for Mickelob Ultra. Basil Gimlet, Gimlet. Basel Gimlet. And then watch someone have a basil Gimlet. Free money.

Massages. all the things that we want. Just wish it into an existence. So that's a big one, which then goes into social platforms. Number three, social platforms. And this is everywhere. Guilty of this. I am 1,000% a tap on this link on Instagram to buy the shirt, to buy the makeup, to buy the hair product.

I've done it all. Well, it used to be you had to, like, be watching, you know, TGIF on TV, and then the ad comes on. And then you go, oh, I should go to the mall this weekend and check. Now you don't have to do that. It's just happening to you. I know. The ads show up in your brain. Okay, so this is, okay, so where I don't Google, I'm like, I'm not mad at, I'm not mad at people showing me a cute sweater.

You're not mad at relevant ads. Yes. It used to be we were angry that ads weren't relevant. We're like, I don't want to see this. I don't need a reversal mortgage. You? Me, personally. And millions of Americans.

I speak on behalf of the listeners out there who hate seeing ads that have nothing to do with them. Like, I don't have kids. I don't need to see ads for diapers. So I appreciate that ads have got. gotten smarter. Yeah. And you don't like the fact that they're listening to everything. That is true.

That is true. Okay, so here's what's fascinating to me. That now people are more likely to buy a product from an influencer, 37% more likely, versus a celebrity at 7%. Our world has changed, George. We're the same age. But you go back to like 2002. Like you go back to like the days of...

The olden days, like Oregon Trail. Of Brittany and in sync. Like those days. And you would want to... watch every, or I would, every award show, every, like, celebrities were like, this thing. It was just, they were such a big deal. And now not so much. We used to watch music videos on TV. Pop-up video.

TRL, pop up, all of it. All of it. All of it. Carson Daly. So this is a problem. And the way part of this makes us broke is, Rachel, you're, you're guilty of this for sure. The swipe up on the influencer. They're like, here's my hall. It's now links. And then you go to like to know it app. And then they have discounts. because they've partnered with these companies. It's terrible, y'all.

But I don't... How many things have you bought from an influencer that you saw on Instagram? Should we count literally what I have on right now? Literally her outfit. I'm not even kidding you. Yep, the sandals,

they're Steve Madden, these Leifide jeans, was from another. These are two separate. This was just from Lofno. And then... So two out of four major... Oh, my rings.

I got my ring idea from a... Yeah. I mean, I'm not kidding. I'm not kidding. It's where I find stuff. It's where I get ideas. And this is, I feel like more... But it does make you spend money.

Yeah, and I think women are more susceptible to swiping up on the influencers. Now, the guys fall, you know, our friend Dr. John Deloney, one of our Ramsey personalities here, has his own show. He falls for like supplements, protein shakes, you know, all that stuff.

It's a very different world. Women more into the clothing, the accessories, you know, all that stuff. But hey, it'll keep you broke if you just spend the money you don't have. All right, next, technology. Oh, I love me some technology. I was a former Apple store employee.

Did you know that? I did know that. Do I not just look like a guy who would work at the Apple store? You just love Apple. Who'd just be super helpful in getting you a MacBook Pro and that's right for you. Do you want 256 gigs or 128? What is a gigabyte? Did you say what gigabyte?

Yeah, is that what it is? Yes. On my phone? I don't know. Finish your question because I have a dark curiosity. I'm going to just sip and you take this one. All right. Because you just, you know this world more than it.

Yes. I'm going to sip my gymlet. Fun, sad stat for you. Seventy-four percent of Americans spend $4,000 a year on conveniences, like subscription boxes, food deliveries, ride-sharing, all through apps. All through apps. This is huge. So millennials, they earn less than other generations, and they'll let you know that. They're always upset at the other generations. The wages, they're most likely to outsource tasks for convenience. 86% use convenience services like home cleaning, lawn care, food delivery. We just don't have, we don't have the energy, Rachel.

Okay, this is, this is so interesting, because this is a big shift from how I grew up. Like, we didn't have someone clean our house. My mom did it. We, dad did the yard work for many years before he hired a lawn service. Papa Dave just out there in his rebox, just crushing the lawn. I mean, just doing the pushmo. I love it. Pushmower.

Winston grew up doing yard work, all of it. So when, we got rid of our lawn mower when we moved two years ago, because Winston mowed for 10 years of our marriage. And then when we moved two years ago, he sold it. Wow. And it was like a, it was like a, not a crisis moment, but it was this like value moment of like, okay, do I want my kids? Can your kids learn work ethic without seeing them, seeing you as the parent fixed stuff,

do lawn care, clean the house, all of it. I want to say yes. For sure. I think they can learn that. But that's how we were taught. Like, that's how we learned to work. And I don't know of kids yet. So I don't have that thing where I'm like, the kids are watching.

Like my dogs are watching. don't care. I've never mowed along in my entire life. Stop it, George. Never. Really? Yes. Okay, here's a question, George. I'm almost proud of it now. I want to see if I can just go to the grave having never mowed along. Because you, we've talked about this offline, so I know this about you, that you're just not like necessarily a handy guy. That hurt, but fair point. You're not quite the handy. I'm more like, I'll fix your Wi-Fi. You know what I mean? I'll set up your smart goals. Your technology. That's why you took this piece of the podcast. Yes, we all have our strengths. But this idea of like, I'm going to find a YouTube video to fix

something and it's like some guy in his basement he's like hey guys i'm randy i'm gonna show you and it's just poorly done footage of 18 minutes of this guy's showing me how to do this thing but he can save you so much money winston has fixed our washer with watching youtube videos our air filters winston is a superhuman the guy can do it all he's a piano player he's a handy man you should youtube you should youtube well anyways millennials they were more about saving time than saving money let's just call that there you go agree disagree in life but that that is it fair point All right. Free shipping will also keep you broke because it causes you to buy more. 73% of buyers are more likely to make a purchase if free shipping is included.

Are you one of the 73%? I am. Me too. It legitimately pains me to pay for shipping. I hate it. I'd rather you build it into the cost and make me feel better. Feel good about it? Yeah. Like if a $40 with $10 shipping, just make it $50 in free shipping. And I'm more likely to buy it. To do it. Isn't that funny?

And you know what? To ruin that is Amazon. Is Amazon Prime? Back to number one. I know. That's huge. I know. And I really have to be careful with it because if I buy clothes online and it's like just for $35 more dollars, you can have free shipping. But the shipping is $7.

And I'm like, no, I will not fall for that scheme. So I have stayed strong in many weak moments, George. I just don't know how they do it. I just got my dog food delivered. It's like a nine pound bag of dog food, free shipping. And I'm like, how are they doing this? And it's still cheaper than going down to Petco. There's got to be a conspiracy theory.

Not a sponsor, but hey, if you are, hit me up. There you go. All right, next, smartphones. Oh, boy. And this is just simply the cost of smartphones, which is now like a laptop cost. Because it is a laptop. They're all over $1,000.

It is crazy, though. What you can do on it, though, is insane. And how easily you can break it is insane. No, that's true, too. Would you ever go back to a flip phone? Not in a thousand years. Does any part of your soul think, like, all of this is just ruining us?

Oh, absolutely. I could go back to... I remember getting the original iPhone, and you could have Safari. and you could get on the internet. And it was like, the web page was on my phone. And I was like, my mind is blown right now. This is such a huge deal.

I had a droid. I was a droid user for a little bit. Did you know that? And it shows. Shows, Rachel. That was my first smartphone. Actually, I did the Blackberry Touch was my first smartphone. The Blackberry Touch.

Did you ever have the Nokia that had Snake? Oh, the brick? And I was like, yes. I would get a Nokia just to play Snake. That game crushes. I mean, that was a great game. And I'd go to the kiosk in the mall and buy, like, Jewel, jewel buttons for it and then like a phone case.

It was bedazzled? It was bedazzled. Yes, in high school, when that was your phone? And then you stopped by Eclers and you got your ears pierced. All of it and then hot top. I mean, all of you. Oh, gross. I love them all days.

Well, here's the thing with smartphones. There's this thing called planned obsolescence. Have you heard of this? Wow, teach me. Technology makers are making things to break quickly. Is that true? Yes. You ever heard of the statement?

It don't make them like they used to. That's true. They don't. Because they're going to have you spend more. They could make this phone invincible if they wanted to. But instead, you do one software update and your phone as slow as molasses, and they're like, all right, time to get a new phone. It's been a year. Time to spend another thousand dollars.

One thousand. And give this phone to my niece as her play. You know, it's just. Have they ever come out and set it? No, they won't admit that. No. I'm sure they've been on, like, court and stuff and had to, like, face a judge and be like, no, we don't do that at all. We're good people.

This is not true. But I still, I'm an Apple fan boy through and through. I will always have an iPhone. You're going to be loyal. I throw mad shade Android users. Be better. Life is too short to use an Android. That should be Apple's tagline, truly.

We just lost half of our listeners. I know if you're an Android user. Now, if you're doing it, they're always like, well, iPhones are too expensive. I'm like, Android, the nice ones are still like very, very expensive. Yes. All for a worse experience. For a worse user experience. You deserve better.

A lot of technology people, though, do Android. New tagline, you work too hard to use an Android. All right, last but not least, 24-7 access to anything we want in the world. I love that this is a trend because this really points to the biggest problem with everything. We, everything all of the time, whenever we want it, no matter what, access. Instant gratification.

You remember, like, going to the library and having to, like, open an encyclopedia to, like, learn about a caterpillar? Yes, we had those at our house. We had encyclopedias at our house. Yeah, to look up the word, everything. It's ruined our critical thinking skills. It's that and I don't have data on this, but also they're saying that our brains, shoot, I wish I could remember specifically what it was. It's basically like our brains are getting smaller.

or getting dumber. Speak for yourself. Because we don't have to, we don't have to memorize stuff. Like if you're going somewhere, you just put it in your phone. Google Maps. Yep. Or a phone number. You don't have to memorize phone numbers.

You remember printing out MapQuest and having to be like, all right, we're going to print, opening the big Magellan map? When Garmin's came out, it was like, what? Game changer. What? Yes, but our brains literally are not functioning the way they did 20, 30 years ago because they don't have to. So there is something. That's true. I'm pretty sure my parents still have the old school map.

like brochure style that they would fold out if they needed it in case of emergency. Do you know when I think of that? I think of Crossroads, the Britney Spears movie. Did you ever see that? Literally nothing in life could be like, that makes me think of Crossroads from Britney Spears. I think that's what I was called. I do absolutely remember that movie, though. Because I remember the out of day, yeah.

But that's, yeah, back in the day, though. Oh, it was more of a walk-to-remember kind of guy. Remember that one? That was a great one, too. A classic, real sad. Great. I bet they did use maps in that one, too. Well, back to access to anything.

E-commerce. Let's talk about this. Credit cards, most popular method in E-e, commerce, 53% of all transactions are on a credit card. And it's frictionless. Now it's Apple pay. And I just have to walk up and hold my phone near it or hold my card. Yeah. And there's no motion attached. It's dangerous. And with all this access, it's impulse purchases, two out of three impulse purchases are done in your bed. That's insane. Wait, say that again? Think about two out of three impulse purchases are done in bed. Oh, man. You're in the bed and it's usually late at night.

You know? A hundred percent. Yes, that's when I buy all my clothes. It just feels good. You're in your safe space, you're cozyed up. No, you're like, I can do that. And you're like, time to scroll and tap. Oh, man. Okay, you guys, so listen, moral story is not that these things are bad in of them themselves because they are helping us move on with the world and give us time back all the things. But you just have to be careful because you will spend money, sometimes money you don't even

have going into debt for it to get this stuff. And the impulse buying and all of it, it's just going to be so dangerous to your money. Can we just call that out? Oh, yeah. like on our mountain top in like you guys are terrible. No. We fall for this all the time. I have to really guard against it.

You really do. I mean, you want to budget and say, hey, do I have the money? Ask some good questions to yourself, you know, before you make a purchase.

And it really does help because it can subside some of the impulse purchasing. But if you just live purely in your emotions, purely on your phone, you're going to spend lots and lots of money you don't need to. Can I give them some quick tips? On smart spending?

This is our podcast. We can do whatever we want. All right. So I've got this framework called smart spender. And so this is just questions you ask before you make a purchase, and it will help you guard against this. I use this personally. S, self-awareness. Is there something I want to buy? Is this based out of my values? If that's a yes, we move on to M. Motive. Do I want to buy this for a good reason? Am I buying this to impress my buddy or because of peer pressure, because mom and dad?

If it's a no, we got to stop and pause and find a way better motive. It's good. Affordability. If we actually answer this correctly, do I have the cash to pay for this in full? America would have no it. This is huge. Make sure it's in the budget. You can afford it in cash. Are for research. Most people skip the research. They just see the ad and they swipe up. But you, George? I'm like, is this cheaper elsewhere? I know. You're great at that. And then timing. Is now the time to buy it? Oh, boy, we got to get junior soccer gear. Now we can't buy this right now. Is the sale coming up for Labor Day? Let's wait.

For sure, there's going to be a sale. Let's wait to get a deal. If you walk through that, I think you make better smart spending decisions. And that's what I want everyone to do. Is that what a gimlet does you, George? That's what a gimlet does to me. It just really, you said my brain's getting smaller. This gimlet is making my brain enlarge. And that was very impressive. Thank you.

Smart. What do you call that? Smart spending framework. Great job, George. Thank you. I love that. I appreciate that. All right, I'm still drinking. Are you?

I'm less than halfway done. Okay. Yeah, you still got some. Well, it's time for our last segment, Rachel. You know what it is. I love it. Guilty is charged. An aggressive term for a very fun segment, I will say.

So in this segment, our producer, Lindsay, is going to give us a new guiltiest charge question every week. And if we are guilty, we have to drink and say why. So Lindsay. What is it, Lindsay? What is it this episode? I'm kind of nervous. Have you ever accidentally or intentionally stolen something? Whoa.

Great question. This is legitimately incriminating. I've only stolen hearts. I'm just kidding. I'm just kidding. I'm trying to think of something I legitimately stole. Like I wouldn't, I've never, like, gone into a store and just, like, grab something and left. Like, not to that level.

Yes. Have I done things that are ethically, like, on the line? I've gone to a movie theater and seen two movies and paid for one. Oh, that's a classic. That's technically stealing. I mean, I technically stole to from the actors in the movie, but we don't care about them. Remember, celebrities don't matter anymore, just influencers. Man, have I legitimately stolen something?

Now unintentionally, when Rachel puts some earrings in her pocket at the store and just walks out, she's like, oh my gosh, how did these earrings get here? I had unintentional. Never done that. I'm just kidding. It could be like, what if you thought someone paid something, like, bought this for you? Like, you thought, and then you walk out. And you're like, oh, I just stole that.

That's happened with my kids. That's fair. We walked out of a store and we've been driving home. I'm like, where did you get that? And they're like, I don't know. I just grabbed it. I'm like, you can't. Just take stuff. And I, we drove back, because I really did feel guilty about it.

I'm like, we're not, we didn't pay for this. And they need to learn that. You win the Nobel Peace Prize. It's called stealing. Would you do that, George, if you? No, but here's what it has happened. No. Like a cashier, they put everything in the bag, they forgot to scan something.

Yeah, I don't go back. And then it's in the bag, and then I'm gone, and I'm on the way home. I don't go back for that. I'm like, I'm not going back. That's user error. I agree. They eat the cost of that. That one my fault.

That has for sure happened a few times. Yeah. Unless it's something wildly expensive, they're not scanning an iPhone when you go to the Apple store. It's not that level. It's something that's like a dollar to. That's what I've decided. Yeah, like, what about a restaurant if they like didn't put your drink on there? Oh, 100%.

Or whatever. Do you say it? Are you like, oh, I would say it. I would. Okay. Because that affects their tip, like the total that I tip on. Just tip them more. That's what I do personally.

If they miss something, I'm like, hey, compliments of the chef. All right. I'll give them an extra tip. Very nice. Oh, man. I think the key here is Rachel is just a better person than me is what I'm finding out. That's a good theme of this podcast. It's a great theme.

We can keep on that. Golly. I would feel I, that would be, yeah, if it was like really obvious. And the only reason I say that is if it's at a nice restaurant, I would feel bad and tell them. But if it was at Schollotsky's, I don't know, I'm trying to think of Sonic. Shotsky's. Rachel's always bringing up Schlotsky. I love Shalotsky.

Why don't you tell the people what this is? Shalotsky's? If I knows what Shalotsky's. It's just like a fast casual sandwich place. It's a fast-st-stabish place. They're next to McDonald's. But I'm like, I just said so funny. I legit don't think it's national.

The way she said it, like, Shalatskis is national. I guarantee it. We'll look it up after this. It is national, but no one has been there in 19 years. The fact that that's what was on the top of your mind. Shalzky is the number one original. I will say, if it's a small business versus like Target, huge difference. Okay.

You know what I mean? Mr. Nobel Pee. prize. I'm just saying, like a giant corporation, you're kind of like, yes,

ticket to the man. Like Amazon sends me something by accident. I'm like, whatever, that's on them. Yeah. But if something was addressed

and it was not from your home, though. Yeah, I'm not taking, no. I'm trying to get it to the owner. I'm not evil, Rachel. I'm just making sure

I'm feeling out. I'm feeling out via. If you have your own guilty as charged question, you want us to answer DM us on Instagram at Rachel Cruz at George Camel.

That'll be fun. We'll include that in a show. All right, you guys, thanks so much for listening to this episode. So, George, who finished? I am more finished than you are. That's you. Rachel wins today. I won.

Yep. What would you rate the drink today? A basil gimlet. I love a basil gimlet. I love a gymlet. It's like kind of my go-to-coyal at restaurants. It's a fun word. Let's be honest.

It's great. So I'm going to say a nine. I was going to go nine out of ten. Oh, great, George. We finally agree on something. Yes. That's good. Unbelievable.

And if you want the recipe for this, you can check out the show notes. This one is on the, it's on the price of your size. because you've got to get fresh squeezed limes, you've got to get the basil. So there's an extra ingredients here, but you're still looking at like, you're looking at like 274, depending on the type of gin that you use.

Wow, specific. Three bucks or so. We're going to go three bucks. If you want to use fancy gin, it'll go up a little bit. You want to use the cheap stuff. Yeah. It might go down a little bit.

It's great. So there you go. All right, you guys. So if you want to hear more episodes, make sure to click the subscribe and follow button. Don't forget to follow us on social and we'll be releasing episodes every Thursday. day. George, this was so fun. It was a blast. And if you have nothing nice to say, don't say it at all.

Okay? Don't be a jerk on the internet. Yeah, if you don't like it, you don't have to review it. Yeah, don't be a troll. You don't have to, you don't have to put a review on. But this was fun. Episode one in the books. In the books. So we'll see you next week on Smart Money Happy Hour.