Trading Secrets - Pt 1: Married for $35?! Newlyweds Joe Amabile & Serena Pitt dive into the $ behind their wedding costs, combining finances, plus a Bachelor party story like no other!

Episode Date: September 25, 2023

This week, Jason is joined by Bachelor Nation’s newest and hottest married couple, Joe Amabile and Serena Pitt! With Joe and Serena fresh off a wedding, what better time to discuss the money, planning, and time that goes into a successful wedding. Joe and Serena give insight to their courthouse wedding and what goes into that process, how they kicked off wedding planning by getting married, the process of applying for a green card once you’re married, what goes into getting a work visa, who paid for the wedding, how they decided what elements were worth it, and where they suggest saving costs.  Serena and Joe also reveal the gambling during Joe’s bachelor party in Las Vegas, how their spending habits compares to their investments, where Serena sees the value in spending money, how they plan to navigate their joint bank account, when they started having conversations about money, how they took on the Bachelor Happy Hour podcast, Serena’s work in PR, what her vision is career navigation, her company Reset the Label, and the next reality show Joe will be on. Who was the witness at their courthouse wedding? Were they asked to televise their wedding?  Joe and Serena reveal all that and so much more in another episode you can’t afford to miss!  Host: Jason Tartick Co-Host: David Arduin Audio: Declan O’Connell Guests: Joe Amabile & Serena Pitt Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group All Access: Free 30-Day Trial 

Welcome back to another episode of Trading Secrets. I'm your host, Jason Tardig, and welcome to the pre-market trading segment, where I talk a little bit about what you can expect from our guest, something you need to know going into this week as it relates to finance and a quick little update from my personal life. First and foremost, we have the king and queen of best. Bachelor Nation on right now, Serena and Joe, who just got married. And of course, if you don't know, Joe and I were on the same season of the Bachelorette. Joe got eliminated night one in America

by storm rooted for him. He came back on Paradise, came on Paradise again. That's where he met Serena, who was on Matt James season. They got engaged and they just got married and had an unbelievable celebration. Now, in this episode, where you're going to hear is a little bit about the process of the wedding, the cost, the planner, things that they wish they didn't spend on, things that they wish they did spend on. All the ins and outs, we even get into their bachelor party, the bachelorette party, their working relationship, how they deal with finances and how they work as a unit before they got married, when they got married, and after. You're going to even hear about dual citizenship. You have an American that married a Canadian, what the green card

process was like. And of course, stay tuned to the recap because David is a Canadian citizen and married an American. So there are actually some things that Joe and Serena had thought were going to be the reality of what will come that David corrected them in the recap because he has gone through that process. Now, we are doing a two-part series here. You're going to hear about 40 minutes with Joe and Serena and wait, just wait until you hear Joe's Bachelor Party story. It's insane. But next week, stay tuned because we have about 25 minutes left of the Joe and Serena part two we're going to share. In that episode, they talk all about their career within Bachelor Nation, taking over as the podcast hosts for Bachelor Happy Hour. They talk very specifically

about their relationship with money and how they manage as a couple, joint bank accounts or individual bank accounts. What you can expect from their career, here on. out and what they want. So this is a two-part series. We're starting with part one from Joe and Serena. They are two incredible humans. And one thing I'll say behind the scenes, I don't know if you'll be able to see it in this episode, but the energy and light that they both share for one another, it's really special. It was really, really special. And for me, like inspiring. When I saw these two, the way they worked as one, but the way they could challenge each other and laugh at each other and chirp each other. I was like, this is just such a special relationship. And it's an

inspiration for anyone out there that is looking for there's someone. It's awesome. So this episode will be one that you can't afford to miss. Now, something that you might want to know going into next week. Last week, I talked a little bit about the price to rent ratio. I told you that my rent $3,600. And I talked to you about analyzing the price to rent ratio. What the price to rent ratio is. And I do talk about this in my new book, but it pretty much gives you an idea. Given the current housing market, are the price of homes fairly valued or is it a bubble? And then based on the ratio, it will give you an indicator of if you should buy or rent based on where you're at. Now, Trulia did a whole analysis on this.

And what they said is a price to rent ratio of 1 to 15 indicates that it's much better to buy than rent. A price to rent ratio of 16 to 20 indicates that it's typically better to rent than buy. A price to rent ratio of 21 or more means it's much better to rent than buy. But what does this even mean? Price to rent ratio. What it means is it actually gives you the amount of years that you would be paying in rent for you to actually own your property. So if you had a price to rent ratio,

of 40. Based on the medium home price in your area and the median annual rent, it would then take 40 years of rent to actually own your home. So the price to rent ratio is calculated by just dividing the median home price by the median yearly rent in your area. Now Nashville, prices of real estate have increased dramatically since the pandemic. So the price to rent ratio here is over 20. And as truly estates, over 20, it would make more sense to rent than buy. Why am I telling you this? Because it's very relevant to something that's happening this week. So we'll get an update on home prices from that K Schiller National Home Price Index. You're like, okay, Jason, that's a lot. What does that actually mean? Well, what it does is it tracks the prices of homes. And if they've

increased or decreased month over month and year over year. And as everyone knows out there, with interest rate hikes, they have increased the price point of mortgage rates to the highest that we have seen in over two decades, which is pushing a lot of buyers out. Now, you would think the price of interest rates are going up. So people are going to pay less for homes. Well, the problem is there's limited inventory of homes. And right now, 80% of Americans are saying it is a bad time to buy a home. And this is what people are calling right now, the most unaffordable market in over 40 years. So this week, we'll get an update on the home prices month over month, year over year.

So pay attention to that. It'll be interesting. They're projecting that prices have gone up about 0.7%. So we'll see. And a little bit for my personal life. I'm fully moved into my new home. It feels good to have a new chapter unlocked, a good foundation under my feet. and the last week has it's been a lot in my personal life lately I'll say that there's a lot of noise

but I would like to pivot to a positive and I think a positive has been I've had the dogs the last week and I think there's been a lot of criticism and a lot of noise just surrounding the whole ideology of co-parenting two dogs now ramen and Pino mean the absolute world to me Raman and Pino mean the absolute world to Caitlin. And so co-parenting, it's tough. And I understand all the noise out there associated with it. And I'm not here to say it's going to be perfect and it will 100% work. What I am to say, if I look at the last week of mayhem and the noise, and I find a positive

and everything, I would say the positive is I feel really good about the way that we have decided to co-parent. And I think we have a good system that should hopefully work. effectively. And so that is both a win for Caitlin and myself and the dogs. And that's a little for my personal life. But without further ado, just buckle up and get ready because this one is going to be such a fun episode, hopefully aside of Serena and Joe you haven't seen before. I love when they kind of go at each other a little bit with their spending habits. It is so much fun. And please, as always, remember to give us five stars. Let us know who you want to come on as a guest

and maybe your biggest takeaway from this episode. Let's ring in the bell with the one and only Joe and Serena. Welcome back to another episode of Trading Secrets. Today I am joined by Bachelor Nation's newest and hottest married couple, Joe Amabali and Serena Pitt. Serena, we're going to have to talk about that. Are you going to take the last name or not? I just thought about that.

That'll have to come up. This is not Joe's first time joining us on Trading Secrets after we learned all about his background in the grocery industry and his entrepreneurial endeavors. However, this is Serena's first time with us, and she is one week into her new travel accessory brand being live called Reset the Label. We will definitely be touching on that, how it came to be, where she plans on taking that business, and how you can get a piece of that merch. With Joe and Serena, fresh off a wedding, what better time to discuss the money and planning and time that goes into a successful wedding, which it was just beautiful. Also, how do they plan on handling finances as a married couple?

What's next for them is a couple? How do they support each other professionally? What expenses are mounting up in their day-to-day life that they talk through? All the ins and outs of a couple money, finances, and love, Joe and Sarita, thank you so much for being here on Trading Secrets. Thank you. How we feel and congratulations. We're feeling good. I feel good.

I was at the U.S. Open with you yesterday. That was a blast. I'm struggling a little bit. Joe came in at 2 a.m. and scared the crap out of me. I jumped. I didn't even, because our door is really loud. The front door, I didn't hear it. All of a sudden, I feel a hand on my shoulder. I was like, oh my God, I'm about to get killed. You know what's crazy? Last time I did your podcast, we were both hung over from the U.S. Open the last time.

That was a year ago, huh? Oh, yeah. Wow. I think you had went that night and I was going that day. That's right. Emreth's, you were going. Yeah, I remember that. We have to take pictures. by side and see how much our hangover age your face looks. All right. So typically what I do is

going chronological order here. Today I'm going to do the total opposite. We're going to flip it around. You just had your wedding. There's so much that goes into that. There's so many people that listen to this show that are planning and would love to hear from you guys different tips and piece of advice. So the first thing I want to ask you about is your original wedding was in City Hall. So you had gotten married in New York City about a year ago legally, right? Yeah. So before we get into the beautiful wedding that you had. How does that work? Like, how do you schedule it? What's the cost of it? Do you have people go there? Did Wells Adams show up and actually marry you there? Give us the background of how that goes. So basically, a lot of people when we got married at the

courthouse thought it was like a Vegas style, spontaneous. You wake up, you go to the courthouse situation, which is not how it works. It's about two weeks out. We decided we were going to do it. You go online. I would say about a month. A month. You're right. A month out. And you have to schedule a virtual meeting to essentially get, I think it's our marriage license. Okay. So we had to wait about two weeks from the beginning to that point. You get your marriage license and then you book an appointment to go into the courthouse to actually get married. And I think the first available is about another two weeks.

About another two weeks. So it's about a one month process. I want to say it was $35. It was $35. Stop. $35 to get married? That's it. I had no idea.

That's so cheap. We were laughing because we knew we were still going to do a whole wedding. And we're like, this is like the cheapest wedding we could have ever dreamed of right now. Yeah. And we really went in with no expectations. We were allowed to bring one person at the time. That was it, your witness, because they still were in COVID rules. And you had to wear a mask in City Hall because of COVID stuff.

So you could bring one and you could bring it? No. We need one witness to get married to sign off essentially. So Natasha Parker was our witness. She came with us and we didn't really know what to expect. We just thought we'd be sitting down signing papers and you do that and then they send you into a room and you're at essentially like a courthouse altar kind of thing. Like an actual altar.

It's an actual wall. It's like a courthouse altar. Did it feel like aside from the business stuff? Did it feel like a little weird? Did it feel like, no, this is that thing. I think it felt weird. It just felt very strange. It didn't really feel romantic until.

we faced each other face to face in the lady started reading the vows and then it was like and she was like look at each other in the eyes like she was like making it a moment for us which i appreciate natasha's playing like a spotify song like a nice song off her phone and then it really hits you how intimate that moment is and because i think we just did such little preparation it just felt so heavy, and I was like, whoa, this was, yeah, and then my adrenaline kicked in, like after, and it was a great feeling. It was a lot of fun. I actually really enjoyed it. I will say we played it down to ourselves, I think, a lot. Or I don't even know if we just didn't give it a lot of thought going into it. We gave it thought in the sense we knew what we were

doing. Sure. But we didn't make it really a moment. Like you saw, we were just so casually. It was 9.30 in the morning. We weren't really thinking much of it. And then once we were standing there looking at each other, it was like, oh my gosh, we're getting married right now and the emotions were definitely flowing. And then the rest of the day, we were like very elated on high. I think this is a trading secret in itself, though, for people that are out there that if you are struggling financially to plan a wedding, you can go to a court $35. You can legally get married and then you can have the time to plan it. So you're not rushed or save a couple bucks. There's a wedding trading secret right there. That was a little bit of our thought process.

A funny thing about when we did post, I had texted Wells, I want to say three days before that, and asked him to be our officiant. Okay. And then he texted me right after that is the fastest I've ever got fired from a job. I was like, no, we're still doing the wedding. I love that. You just said the word reasons. There were some reasons to do it. Behind the scenes wise, what are you guys thinking?

Why do a wedding like that? We started the wedding planning process, and we threw it out there. I like it's spontaneous, it'll be fun, and we want to take the pressure off of the wedding planning process, really. We both wanted a wedding, but neither of us are people that, like, grew up dreaming of our wedding or had really specific expectations for what that day was going to look like. And we had so much hype and attention around our engagement in a way that it was like, let's just strip this down, keep it as simple as possible, kick off wedding planning with getting married, which is. fun and different, and we've had a very untraditional relationship anyway. And it was great. It was

not something I ever thought I was going to do was get married at the courthouse, but it was cheap and fun, and yeah, it's a really good memory. But I will say to anyone thinking of doing it, highly recommend, but don't play it down. It was a moment for sure. I'm glad that that kind of hit us

before it was too late. We really got to milk this marriage thing twice. I have to ask this, as someone who was engaged to a Canadian, right? Canadian American. I have a buddy. Curious Canadian, he'll be on the recap. Stay tuned for this. I'm sure he'll talk about it. He's told me it took him a five-inch binder to prove that his relationship was legit to get, I think it's a green card to then get married. And he said the timing. He said it took nine months. Does that at all play into the decision when you're dealing with a Canadian citizen, United States citizen is in the time and the process?

I think that's definitely a perk of us getting married earlier in the sense that we definitely have the green card application submitted, but I do currently have the work visa here. A lot of people think that when you get married, you immediately get all of these perks and all this access. If you're a Canadian citizen, you don't get anything. You just are now married to an American, but it does allow you to be eligible to apply for a green card once you're married. You apply, I want to say... January? Yeah, so I would say about 10, 9, 10 months. Still haven't heard anything back.

Come on. So it takes a minute. They said about, I think, 14 to 18 months is the waiting game. That is absolutely insane. Yeah. Okay, so I know about the work visa world because Caitlin's on a work visa with a podcast network. She's still on a work visa.

Yeah. She doesn't have a green card. Yeah. So what if the work visa expires? Because I remember that process through the employer is like a nightmare. So the hope is that. that there's the overlap of my work visa is still going. And then I get the green card before the work visa expires. Got it. It's stressful. But yeah, if I didn't have the green card and my work

visa were set to expire, which I do have quite a bit of time right now. Like, thankfully, I would just have to reapply. Money question, green card, when you applied to that, what does it cost for that? So the green card, I'm not 100% certain right now, but I can talk about the work visa because A, if you don't get a lawyer, it's cheaper, but it's riskier because you're then doing all the work and the research and the paperwork by yourself. I did get an immigration lawyer. So it's paying their fees, which is a couple thousand dollars. And then it's the time and the work to get all of this stuff, which was a time cost, not a financial cost, but still a lot. Then when you actually apply for the work visa, I believe the cost of applying is like a few hundred dollars. But if you want it expedited, which I did want, because that guarantees you're going to find out within two weeks versus potentially a few months, it's $2,500 extra. So that's where they get you. That's where they get you on that if you don't have the luxury of time on your hands or you can just wait, you don't have a guaranteed timeline if you don't pay that expedited fee.

And I don't want to just be a sitting duck waiting. So the expedited fee is that like extra kicker. It's just a beyond stressful situation. Curious Canadian. Talk more about this in the recap. But there was a situation, too, where his work visa, I think, was still pending. And so he wasn't allowed to go back into Canada because of work issues for a year. Even more than that. He couldn't see his parents or any. Yeah, that was another thing we did. Yeah. There's two different types of green card applications that you can go through. One of them, I know people that have done this, is you have to stay in the U.S. the whole time.

You can't leave. And that's a quicker process. It is quicker. I think they estimated us at finding out within eight months to a year if we did that method. My method takes longer because it goes through, I believe, the Canadian embassy. We have to go out there. Do you see the move of the proposal? Do you like the interview? We have to like kind of do that whole thing and be like our relationship's legitimate. We swear we're love. We love each other. Let's kiss. Yeah. But that gives me the freedom to go back and forth across the border, leave, come back, which for me was super important because all my family is in Canada, God forbid anything were to happen. I couldn't cross the border. So yeah, but that definitely adds some time. I don't think the cost is any different, but the time is different.

Got it. Then once you would get your green card, you're good, right? You're good. You get it for 10 years. So once you get your green card, then you're supposed to apply for citizenship. There's so many moving parts here, especially when it ties to trading secrets is the work aspect, because until you get the green card, the pressure of all keeping that job, not screwing up, is so immaculate because they're the one sponsoring you being here. I can imagine just from a strictly professional career perspective and personal, that obviously is a lot of added pressure. So let's get this green card approved out there. Yes. All right. Let's transition into the big wedding that was everywhere plastered all over the internet and TV screens, just all over. What I want to ask

you, though, is the average wedding in the United States right now is $29,000. That's number one in the entire world. Spain is actually two, costing $23,000. With the cost of weddings and everything associated with it, did you at all think about or were approached to potentially do a sponsored wedding with the show? Go on Paradise, do a TV wedding, do something with The Bachelor. Was that a potential business opportunity? No. No, right?

No, we were not going to do it. Got it. We would not have done it. But they also, no one asked. No. They didn't ask. I think there was like some jokes thrown around way back when of if you want to, but you could. I feel like Paradise would be perfect to do something like this.

Yes, but I also think that like when those jokes were thrown around, there was some pretty hard statements made on our end of we would want this and this. The privacy aspect was important to us and I think we realized in that moment it wouldn't have worked for us. And I think they probably realized it wouldn't work for them either. I think it was not going to be mutually beneficial. And I remember because I went to a wedding in Paradise, which was Chris Randone and Crystal. And I just remember like, it is still a production.

There are still cameras. They still have to be mic. They still have to stop and potentially re-say something. And I don't want to have to do that for my wedding. Got it. And no shame on them or the show. You still have to have like random paradise guests there

that are like dealing with their own drama. I see what you're saying. Yeah, you're literally, you have the rest of the cast. Yeah. It's on the show that you probably don't know 80% of them. Okay. Like your most intimate moment they're sitting watching. Okay. So what I'm hearing here is that you couldn't tell me if I'm hearing this right.

You would have considered doing it. But knowing all the factors, especially seeing it and being in a wedding, the price would have to be very right. And it didn't get to that point. So you said, let's do our own thing. Is that a fair interpret? Yeah, that's fair. I mean, if they were to say, hey, come do it, we'll pay a million bucks. Sure. Yeah. I would want in the way. And what's funny is I think back in the day, I'll have to fact check it or even ask her. But there's rumors that Trista was paid. That was with the fee. she got a million bucks first wedding ABC Trista and Ryan they got a million dollars really that's the rumor I'm gonna I'm gonna actually text her stay to the recap I'm gonna I heard a different number okay what'd you hear that Sean and Catherine got a million interesting and this is a straight up rumor like I don't even remember who I heard this trade secrets we gotta confirm this stuff what'd you hear I heard no one ever got more than a hundred really interesting but I don't know yeah these are all rumors that I hear a million

sounds it sounds high a million a million's high it's a lot. I also wonder if the million includes the cost of the wedding, flying certain people out. Is that all in what they made and what they saved? Yeah. All right. We're going to have to go back to that. I'm going to text Trista, maybe even Sean, let's see if we come out, have them on the show. We'll talk about on the recap. So you don't pursue a TV wedding. You plan it all yourself. One of the big questions I had from the Money Mafia when I said I was interviewing you was people. You collabed with people on the post. People had you everywhere. You were People magazine. Are they a sponsor? How does that work? Do you give them the rights? Do you

give them exclusive rights? No. We don't get a dime for people. But I guess back in the day, they would pay potentially. Yeah. But today, no. And I think you just look at it like, it's as a kid, People magazine, and there'd be major celebrities on the cover. And you're like, yeah it's cool they're a massive media outlet and they just have yeah they have a huge reach so yeah why not yeah honestly it's it's it's more of an honor to be asked it's flattering you think there's something about this world where once you're in it for a little bit i think to the people that follow and love you guys you're held to this super this certain standard and this platform that you're now on assuming like you've been there forever but people still forget it was just a few

years ago that the idea of having a wedding shop by people for you guys. That's what? How is that? You know, you were an internet at a PR company. I was a banker. You were working a grocery store. And now five years later, people is covering everything. And I think people see you guys. Like, of course they are. But they forget, we're still those like kids that were like, this is the coolest thing ever. Yeah, it's a pinch me moments. Yeah, crazy stuff. All right. So people covers it. They work with you, but there's no payment associated with that. But it's pretty damn cool and they have good coverage. Let's get into the wedding industry. So wedding services industry, the revenue in the U.S. is expected to hit over $70 billion in 2023. I don't want

to pry too much, but just a little bit. Is there anything from a dollar amount perspective you can share from the wedding, either what the wedding costs, maybe the welcome party, maybe the flowers. Is there some number associated with the wedding you would be comfortable sharing? The wedding's very expensive. Luckily, Serena's parents. are very gracious people. And they covered the wedding when they're just extremely classy and like never complain, like never an issue. So we're really thankful for that. That's amazing. One just question, I'm curious if you know it, because I think about, especially as a finance guy, if I'm so lucky to have kids one day, if I would start like putting money away right away for

the wedding. Do you know they did that? Yeah, they had always said growing up, my parents, but specifically my dad are very traditional and it's always made known to me that they will at the very least help if not pay for the wedding. Cool. Recap, guys, we'll stay tuned. If you are someone that wants to think about that for your child down the road, some different ideas of

where you can put the money to help it grow over time. Yeah. We paid for the other things and then the rehearsal dinner and the welcome party. And the welcome party... Which costs more? A rehearsal dinner or welcome? It's bundled,

I would say like all together, rough estimate. Could take a guess? Sure, take a guess. Throw a guess up. Between rehearsal and welcome parties. Yes. And all those, everyone, if you haven't seen those photos, go follow. Joe and Serena, immaculate.

11 out 10. I'm going to go, it's going to be under six figures, but very close. I'm going to say 70, 80 grand. Under. Under, but 50 grand. Yeah, I would say a ballpark around 50 to 60-ish. Okay. Now, let's do a little fun game here then.

So knowing that, let's talk about a few things. I want to ask you a couple rapid fires. Just tell me what comes top of mind. It has to do with the price of things in a wedding. Okay? I'm like, I need my spreadsheet. So talk to me about what do you think, looking back on it, or talking with your parents and looking at what you spent, most overpriced item was.

What was it? Most overpriced item. You know what? I will say there was one aspect of our decor that we went back and forth on removing because we were like, holy, this is... And I will say, going into this rapid fire, there's actually, I don't think anything we regret. Every decision we was pretty thought out.

But I remember finding out the cost of the twinkly lights and the greenery that hung from the ceiling at our wedding over the dining area. Okay. And being like, well... Can I ask the cost of that? I don't know what it was. I do, but I don't know if I want to even say. I think it was like, oh, my...

my God, I think it was like eight grand. Yeah, I was going to guess, like, six, seven grand for that. Which I was just like, whoa, because the thing is what you forget is, A, it's the labor fees. It's the cost of the rental of the Twinkly Lights, of all the greenery, the instill, the day before they come in, they install it. Yeah. And I just remember being like, oh, my God, that's so much more than I ever would have expected. But then when, and then you got taxes, and then you got gratuities, and then it all comes out. Sure, it just adds up to a lot.

We should get in the Twinkly Light business game. That's no joke. But truly, when we walked in, though, and looked at it, we're like, wow. Yeah. It's beautiful. I wanted to ask that. When you look at, obviously expensive, this happens once in your life. When you look at the pictures, when you look at the videos, when you even remember it,

it feels like, as crazy as that is, it might be worth it. I will say there was moments where we were like, what are we doing? We spent $35 at the courthouse, and now we're just, like, busting open bank accounts to, like, spend all this money on florals and aisles. and dresses, this feels crazy, but at the same time, we did give a lot of thought to each decision made. We weren't throwing money around Lucy Goosey, like anything that felt like it was a really expensive cost we thought through, we talked through with our planner. Is this going to be worth it? Like initially, I had them building a separate bar, like a lounge, like literally another room

in our, and then the cost of that, I was like, okay, we actually don't need that. That seems unnecessary. Or we were going to like rent a really beautiful big black matte bar that we thought was really cool. There's certain things just that we were like, this is going to look great, but are we going to regret it down the line? Renting a black mat bar, 5,000, 3,000? I think it was probably five. And then it's, then you compare it with just like the makeshift bars that they bring there and those are like $2.50. So it's like you could, yeah. And honestly, our wedding planner was great.

A wedding planner is something I highly suggest because we could never have done it ourselves. Put it all out there. Basically, you price out your dream wedding. And then you go through and then you're like, okay, let's cut this because we don't need this. This is actually really necessary. And that is how I think you should do it. My understanding with wedding planners is they get paid one of two ways, a fee up front

or they get paid a percentage of what's the cost. Yes. Which did your wedding planner do? We did a percentage. See, the one thing I would be worried about then, though, is the wedding planner, of course, is incentivized to spend more. So then you have to be even that much more as a unit when it comes to budgeting, right? Yeah, but the thing is, a lot of people that did flat rates. Yeah.

Kind of came out front and, like, we don't work on a budget. I understand any, you know what, this is their work. They're putting their product out there for the world to see. They want it to look amazing. And the way to do that is to spend more money. Got it. So I feel like anyone's probably going to go that route. And the people that did the fee base, they're quoting 5 to 25K for a fee.

I think the people we talked to... No one was 5. No one was 5. I think the lowest we heard was 25. Damn. 25. 20 to 22. But granted, we're also looking at some really beautiful weddings and contenting.

Of course. Yeah, you're going on Instagram being like, Oh, my God. This is amazing. We find out what their fee is. 100%. Okay. That makes perfect sense. So I'm sure there's a much larger range than what we found out in our research. We also, I think, talked to six wedding planners, which is a pretty small sample. Okay. Let me ask you this. So these are the top five vendor categories of people that are getting hired in the U.S. for weddings. So people in the dress industry, photographers, grooms attire, something I'll make this list.

The caterer and the cake. So those are the five top vendor categories. In the United States that we hire at weddings, I'm tying those numbers, and it doesn't have to be one of those five, to something that you guys spent a good amount of money on, but you're like, I would have done it two times over. And the purpose of this question is if someone's listening, and they are pinched right now with like their wedding budget, but they are listening to you guys say, spend that money on this, it was worth it. What would it be? I did my own attire, by the way. Yeah, for the record. I think I think I, I really, and you look damn good. Give one opinion on the attire.

He did it all himself. I had no say. I should have to hope that we looked good matching together. I would say wedding planner, honestly, I truly just because I would have never been able to do it. That, to me, is worth it unless you're super type A and you have a lot of time and you just, you're good at this. Because at the end of the day, like, you need napkins, you need napkins, you need paper, you need tables, you need chairs. Especially if you're getting married somewhere where you've been. don't live.

But honestly, like, and we're in this social media world, but I love our photos. Like, our photographer was, like, she was great. And, like, having good photos of the day, like, we'll have those now forever. Like, I'm already looking, okay, is there a photo that we want to frame and then potentially put up in our apartment or in our house in the future? So I would say a photographer. Yeah, I would agree with that. And I think it's obviously to each their own.

And a videographer, not to cut you off. I am a videographer too. I put those both in soon. Photo and video are really the only thing that you're going to take with you past that day and have forever. So I think that value just lasts for the rest of your life if you invest in someone that you love. I also think that our videographers and our photographer were working so hard for the two days to not only get all the photos that we had said we wanted, but also to make it for. fun and enjoyable and easy and not feel like, oh, okay, we got to do this and get this

photo, like to make it as seamless as possible. And that can really impact your day as well because, like, you get burnt out on photos a little bit after a while. I will say if you're looking to save, save on the cake. We spent too much on our cake, in my opinion. We spent, I think, $1,000 because that was the minimum spend because it was a long weekend. So because it was long weekend, a lot of cake places that were recommended had a minimum spend of between $800 to $1,000 that you had to spend to get a cake from them. That's wild. Because it's A, Charleston is the second most popular wedding destination in the U.S. other than Vegas. And B, it's a long weekend, so it's a popular wedding weekend.

And I loved our cake. It was beautiful. I don't regret it, but I will say if you're asking where to pull back, cake would be. Cake, cake. It's not a need. It's not a need. And done and it's gone. We got a few cute cake cutting photos, but we had a great dessert bar that, like, people would have enjoyed with or without cake.

I think that's a great question to ask people back home listening right now. Have you and do you eat the cake at the wedding? Because of all the weddings I've been to, I don't think I've ever had a piece of the cake. By the time the cake comes like, you're drinking, you're dancing, you're socializing. I don't even remember eating cake. I didn't have a piece of cake. We had a bite when we cut the cake. But some people did because I know people came up and said your cake was really good.

So that may feel better about how much we spent on it. A couple bucks on that. All right, so a videographer, photographer, invest in that. Maybe you could pull back on the cake. Got to make one comment. The videographer definitely nailed it. They got every single angle of your reaction and your vows with your beautiful chirp in the middle of your vows. You can see the laugh on your face.

That was beautiful. Proud of that one. Did you see that comments for you? So he actually asked me in advance. Oh, I love that. What do you think of this? I love that. I was like, I think this is great.

You should definitely do it. But he was like, if I didn't ask you when you're up there, you know, crying. thinking I'm talking about you and I'm about to be like I'm not talking about you. I'm talking about well as that could get a little awkward. Respectful, Joe, I would expect nothing less. And honestly, yeah, like I knew she wouldn't be bothered by it. I knew she would find the funny because that's just her personality.

But there are people that would be probably really frustrated if you start off your vows intelligent. Oh, of course. Yeah. And for everyone that doesn't know, right now we're going to play the clip of Joe's vows. I remember walking down to the beaches of paradise, very pessimistic. I even told myself, just leave this place single. But as soon as I hit the sand, I was a nervous wreck.

I started losing it. I was anxious, straight panic. And then, there you were. Brown eyes, beautiful smile, curly here. I took a deep breath. I walked over to you and said, Walls, I'm so happy you're here. that was good there's serena

oh it's about me now's serena I promise the rest of my bowels are solely for you let's go with this both you guys are influencers big in bachelor nation was there anything in the wedding that got comped as a result of having a platform I'll tell you one thing that I, if you do have a following, what I do suggest is finding a venue that would allow you to bring in your own alcohol because you could probably get alcohol deals. And that's somewhere where you could actually save a good chunk of money. We couldn't do that. Which was harder than expected.

We asked a lot of the venues that we looked at if we could bring in an alcohol vendor. And most of the time the answer was no. But I do know that people have done it. Yeah. Did you bring in a vendor? No, we couldn't. Oh, you weren't allowed? Yeah, a lot of venues don't allow it. And the reason they don't allow it is because there's huge markups. Yeah, and alcohol is massive. We worked with, we worked with Minted for our wedding invitations and some of our day of paper, which was fantastic because that's a lot of work and little things that kind of come together. And that's a brand that I was excited to work with because you're not going to get to work with them really unless it's like your wedding. I don't know. And then we did wear. with ring concierge for a band. And then they loaned me out a bunch of jewelry to wear for the wedding, which was unbelievable because a lot of the jewelry I have is not like wedding-appropriate jewelry, but at the same time, I don't need to keep this jewelry.

You know what I mean? I don't need all of this for forever. I got a few pieces that I will keep forever. So that was great. And when they do those loanouts, the value of the stuff they give you, you could be wearing like a quarter million dollars of jewelry. It's like great. Also nerve wracking because I lose anything.

I'm literally going home today to like triple check that I have every single piece. They make you sign a waiver, obviously. They're loaned you. And they were gracious enough to loan me some pieces for my Bachelorette as well. And I was like, everything's going in the safe. I'm triple checking it every day because I was like, the last thing I need is to be responsible for this jewelry and have something happen. I love that. All right.

You mentioned Bachelorette. I think it's a good transition out of wedding topic. Joe, your bachelor party. Las Vegas, you're a lucky guy. First night on the limo, you get sent home, and now you got Serena as your wife and everything in between. Any luck in Vegas?

So I'm not a lucky gambler, but I've been gambling my... You're a gamble. We gamble a little bit. Yeah, yeah. He gambles. He's just not a lucky gambler. He's a good card player, too.

I don't know anyone who's a lucky gambler, though. And for the most part, I go to Vegas once or twice a year, and I've been doing that since I was 21. So you always do one or two trips One of the two trips with my friends and I would say, so whatever, let's call that, let's say 32 times maybe. Okay. I've been, maybe walked away a winner twice.

Wow. Maybe four or five times. Usually don't win. But yeah, this trip, I was up a little bit. We got there Wednesday. It was Thursday night. I was up a decent amount and it's like 12, 31 a.m. And I just want to go to bed.

My friends, come out, let's just play a few machines. And I don't ever play slot machines. I don't play slot machines. That's one thing I won't do. Which friend in this group is it? My buddy Allen. Big slot machine guy. Yeah, he likes that.

When he was on tour with Caitlin for the show, he won a bit. It's not, I won't share it in any numbers, but he won a big slot machine hit. Did he? Yeah, when they were on, because they stopped at casinos and stuff because they perform there. Oh, I know. Joe's told me. Yeah, he won a big one and he was so generous. He bought everybody, like a really nice sushi dinner.

Oh, that he won. Yeah, sweet guy. They ever bought me a sushi. But, son of a bitch. But anyways, yeah, so we're just playing like, for very small money. And we hit a, we end up like, we hit a slot. I think it was like $8.50.

Damn. Pretty good. Great. So I'm like, let's take it to high limit pinball. He goes, yeah, let's do that. We walk over high limit pinball slot machine. We put the $8.50 in. It is in $25 increments, $75 a spend for max spend.

You always got to do max. And you're playing with the house money. So like, you're not, you can't lose right? I don't care. And at this point, I don't even care because I'm up. My money's in my safe. I'm like, I'm going to enjoy the rest of my bachelor party. I'm going to really take it easy.

Yeah. And that's it. It's like the middle of the night right now, too, isn't it? Yeah, so I said it's like 1 a. And which day was this of your back? This is Thursday. So this is your start in your... This is night two and half my friends still aren't even there.

Yeah. Run down to $8. We have $50 left. Now, the machine won't take a $5 bill so you can't put the $25 in. So I'm just going to hit it, not play the max credits and go to bed. he is do not and thank god he did this do not touch the machine he goes and gets a $25 voucher because it would only take a $25 voucher to put in the machine so you need 75 to play you got 50 in the machine Alan says no he literally takes a $20 bill a $5 bill puts the machine to

gets a voucher and comes back yeah we hit it ding ding jackpot I like oh my god I'm like What did we just win? And not like, you don't, like, we're in the high limit room, so I don't know what this thing's going to read. Because this thing is going to read 450 grand. What did we just hit? And we hit, we hit for 60,000. And I was like, that is unbelievable.

Absolutely insane. I cannot believe this. We hit for 60. 75 bucks. $75. $60,000. And there was a few guys in there smoking cigars. Oh, my God.

We were just on that machine for an hour. I can't believe you hit it. And I was like, I can't fucking believe it either. And in my head, I'm like, I wanted to take it. Thank God it was late. Because I was like, let's just take this and roll it right into blackjack. You're sickle. And try to really get him.

You have 75 months. You turned into 60. Let's roll this. Are you nuts? Let's roll this 60 into a million. Joe calls me in the morning. And usually it's bad news when he's in Vegas. Of course.

He's always calling me in the morning with bad news. Oh, no, what happened? And he tells me the story. and I was, first of all, oh, my God, this is the best thing ever. Second of all, don't lose it. I was like, I swear to God, if you gamble all this money away that you just won, I would be so bad. That's what I would say, put it away. I was like, we have a wedding and expensive year, put it away.

And honestly, and because, like, if I wasn't a married man, if I was single, I'm firing. There is no doubt about it because I almost went on another run in blackjack and because I was being conservative. I didn't and I could have I could have really got him but that is something when you are married and like eventually like we want to start a family and stuff like some of my

crazy habits like you have to just yeah you just have to like peel it back what you're like you in 60 degrees you got to be screaming like screaming oh we were screaming jumping jumping screaming and they do come up to okay how do you want it you want to cash or do you want us to take taxes out right away but I do have gambling losses from the years

hold off the taxes sure I take half he takes half That's the best story I've ever heard of my life We'll figure out taxes later And let's just not blow it And you didn't blow it I didn't know All right so you left up

I left up Have you ever won anything like that in your life? There was one I was expecting the instant answer to be like No I was like what? No The horseshoe up Joe's ass

Is like the best thing I've ever seen I had some runs where I probably ran it up I think one time I got there I ran it up and went up 1820 and ended up losing Oh wow All right. So lesson learned.

Yeah. Lesson learned. And because you have a better half there. Your shoulder from a distance, the money's still there. Yeah. Because you could, like in Vegas, five days. You could spend a lot. Yeah.

When you're a gambler and when you're in a place like Las Vegas, the value of what the money is, it all just becomes chips. Yeah, it becomes chips. That's part of their psychology. So when you're up 30, you're up 30 grand. And all of a sudden, you're, you're up 30 grand. you lose 3,000 in your head, 27's a lot less. Now it's only 27. I got to get that three grand back.

And that's how they... And that 3 grand, that 27, then turns into the 21. And then you're like, I just blew $10,000. Remember to save money for those taxes, even if you got the winds coming across. I got you. I got you. Sreta, I don't know if you can match that on your bachelor's, but anything cool happened? No, I can't.

Anything you can speak about? We worked with the Venetian Hotel, which was fantastic, and they were very generous, and the Tao group, which was also fantastic. We're not gamblers, my friends and I. So, like, I called Joe and I was like, I won 50 bucks playing roulette. Like, that was, like, my cool win story. But I am a lot more, Joe and I, in terms of our spending habits are quite, like, I'm a lot more conservative with my money. So if I lose, like, 10 bucks, I'm, like, pissed. I'm off the table.

Yeah, I'm going to even throw gambling. I'm not going to do this on the record. But let's just call it the investment category in the fact that you're putting money up trying to get a return. Do you spend as much as you're willing to invest at a high risk? Because those are two different things.

Spending a lot and having high risk associated with investment. Yeah. I would say I have much higher risk with investing and I'm much lower with spending. 100%. You're the same way. 100%. So you are lower risk.

No. You spend a lot. Like on clothes and stuff. Joe loves by, Joe is such a spender. Joe's, like if I looked at Joe's credit card bill, it's going to be restaurant and drinks, I feel. No, and clothes.

Really? Joe is such a spender with clothes. Oh my gosh. I'm surprised by that. He loves nice clothes. Not fancy, but nice. But what you're saying, let's say you have a great,

you have a great intuition on a certain stock and you want to trade an option. And let's say you lose 2,500. Okay. This is what I'm guessing you're saying. That's not going to really bother you as much as if you went and bought a sport coat for $2,500. Exactly what I was trying to. That $2,500 for the sport coat feels like it's harder to justify, but losing it on an investment, you feel like, all it's part of the game that I play.

Yes. If I lose $2,500 on a trade, I wouldn't blink because I just know it swings. If I spent $2,500 on a sport coat, I'd be like, Jason, what the hell you do? better be an outlying situation, et cetera. Obviously, we know you're more risk-averse, which means you're like, I'm not gambling. I'm not going to do big trades and invest heavy. How about your spending?

Would you say that matches it? Are you more of a conservative spender? I would say, at least compared to Joe, I'm still more conservative with my spending. Okay. For sure. Yeah, but you, I'm not as bad. I'm not trying to make you sound bad.

I'm just saying, if we're comparing, right, me compared to you, you compare it to me. You, I would say, spend more money. than I do. Restaurants, for sure. Which, it's so funny because we were talking about this the other day. I'm glad that closed, too. Yeah, I'm surprised by that.

Yeah, a lot of people don't, don't, maybe. I know. Because you were Adidas Slides in Paradise for a month. But, so we went out to a nice dinner the other night, and I think, let's say it was $2.50, right? 300 bucks. Sure. We love going out to a new restaurant, trying new food.

We really enjoy it. That experience is so worth that amount to us. We don't do it every night. We do it, call it a few times a month. Sure. If I am looking, I was looking at an Nene-Bing crewneck that was, I think, $200 for a year before I finally pulled the trigger on it. And I had such a hard time letting myself spend $200, $300 on this product that I've worn a ridiculous amount, by the way. I love it.

But I think that for me, Anna, this probably comes from my dad because he is like this all. Also, if I came home with a bag from Eritzia, he'd be like, what are you doing? Yes. If I spent $60 at a risk, he'd be like, what are you doing? But we went on a lot of trips and did a lot of experiences, and that is where I see the value of spending the money. We go out for a nice dinner that we'll remember and we enjoyed it. We had great conversation.

I'm like, worth it, worth the $2.50. But when it comes to more material items, I have such a hard time. Experiences, I'll spend money all day. Yeah. But the actual items I struggle with. Yes. The one time in my life didn't struggle. And I think you and I have talked about this with buying an item, I would never spend this

is when I got this watch. But the reason it holds its value. That's it. So I looked at this more of an investment play because I knew the day that I bought this, I could go sell it for more. Otherwise, there's no way I would have spent that money on the watch. And that's why they're like different categories spending, investing. The second book I'm writing is called Talk Money to Me.

And it's all about money in relationship. So eight numbers you've got to know about yourself and your finances. and eight that you should talk about with your partner and how to improve them because the second reason that people get divorced or couples end is actually money-related. So it's like a big topic conversation. High level, do you guys have any, I don't know, financial rules or anything you talk about that you're going to try and do as a unit together or joint bank account? As deeper high as you want to get that you guys talk about to work as one when it comes

to money, earning, spending anything, whatever. I'll just open blank slate. And that is where we're going to cut off part one of a two-part series with Joe and Serena. Now, make sure to subscribe to the podcast because next week you can't afford to miss part two. We get into the weeds about their career navigation within Bachelor Nation. Some of the qualms when they took over the head role of the hosts of Bachelor Happy Hour. We even get into some of the deeper discussions they had about money, career, and personal life in the fantasy suite at Paradise. and how they manage their finances is one, what their perspective is.

Who's the bigger spender? There's a whole lot of discussions in part two that you can't afford to miss, and a lot of it has to do with what is next for Joe and Serena as they plan their careers within the Bachelor franchise and outside of the Bachelor franchise. That is going to be one hell of a part two. And also, we're going to bring on a special, Bachelor in Paradise surprise because this week, Bachelor in Paradise premieres. So next week, the new episode will come out Monday and not only will be a part two with Joe and

Serena, but there will be a Bachelor in Paradise surprise. Now let's ring in the closing bell with the one and only the Curious Canadian. Ding, ding, ding! We are closing in the bell to the Joe and Serena episode. It was jam packed. We talked everything before the show, new ventures after the show, the wedding, the ins and outs, the dollars, the cents. Even the Canadian citizenship. We talked about other weddings in the Bachelor franchise, the cost of those. There were so much in this episode. There are things I had no idea about that I learned about.

And of course, you can't forget Joe winning $60,000. I'll never forget as long as I live, the way he described that when he goes, ding, ding, ding. That was a beautiful episode. Curious Canadian, David Arno, what are we thinking? How are we feeling? We're feeling great. We're back. I got to start at the top.

I mean, I don't know how our viewers were feeling, but the courthouse marriage and green card conversation, I was fixated on. As you mentioned, I went through the process. So, Jay, if you don't mind, I need to put a little few touching points on my experiences as it relates to theirs and some things that I need to educate them about because they weren't right on a few things. All right. That's what I asked you to do when I interviewed them.

So let's hear it. Love it. So the courthouse marriage is real. Same expectations. We went there. We thought it was going to be us sitting down at a desk signing documents. It wasn't. The courthouse in Rochester, New York is beautiful.

And as soon as the person marrying you, makes you look eye to eye and start the vows, it was a really, really cool experience. So it was fun to hear theirs. But the green card process, what they have to know is this. If they get approved, which I pray that they do, the process isn't too scary. The interview is not overly scary.

But if you're married for less than two years when you apply for your agree card, you do not get the 10 year. You get a two year. And this isn't just for Canadians. It's for anybody out there who wants to marry an American. If you're married for less than two years before you apply for your green card,

then you get a two-year temp. Then when that two-year temp is done, you got to reapply for your 10-year permanent. They put that in there so people don't just get married, get a green card, and then do their thing. You've got to prove after two years again that you're still married, that you're still in good faith, et cetera, et cetera.

So that's something really important for them to know. Number two, when they do get the 10-year, then you can apply for citizenship after three years. You must be a permanent resident green card holder for three years before applying for citizens. So you cannot apply for citizenship. If you've been here for 10 years on a work visa, that doesn't count. You must have a green card.

After three years, you can get your citizenship. Once you get your citizenship, Serena, good news. You do not have to give up that Canadian passport. You can hold both. When you go to Canada, they recognize a Canadian one. When you come to America, they only recognize the American one. That is the recap on the citizenship and green card process. Canada, U.S. relationships.

We now have the in and outs from someone who has literally already done it in a couple that is on their way to do it. David, thank you for that clarity. That is good to know. What else are you thinking with this episode? Because there was so much to talk through. There was a ton. One thing that we got a fact check here, they talked a lot about their wedding, the ins and outs. A million dollars is what, you know, they said they would get it televised for a million dollars. That seems astronomical. Were you able to text, Sean? Were you able to text Trista? Would you able to get some answers for the people at home? So I wasn't able to text them, but I do remember seeing it online so I can reference the article in which it was published. Slate.com

slash 2003, and it's the Trista Ryan discussion. They said that the wedding was a $3.77 million wedding on ABC and that their talent fee was a million dollars. I checked a couple other sources online too, David, and they all referenced this million dollar payout. So that is what's out there. I saw it on Entertainment Weekly. Tristan Ryan's ceremony, which costs almost a reported $4 million to stage, not counting the $1 million paid. to the bride. So there are a lot of references out there saying a million dollar wedding bill plus a almost $4 million wedding. So that is pretty, pretty impressive. That's crazy stuff. Are you telling me that $4 million is the cost that ABC paid to put on the wedding? Yeah,

but also let's put this in perspective, David. This is when the show was new. They were building a huge brand, which 20 years later still exists. And think about this. I'm looking right now. there's one article on Slate, actually, that references an estimated 17 million viewers. 17 million viewers. And my understanding is that her finale had over 30 to 40 million viewers. If we put that in perspective, think about a Super Bowl, has about 100 million viewers. So you're talking about a Bachelor show that literally had one third, almost one half of the Super Bowl. So a million dollars, when you think about it in comparison to those ratings and numbers that are probably driving revenue,

was all relative. It's so crazy to conceptualize actual dollar amounts with perceived value in just marketing and advertising and PR. I just saw an article not to get too off topic. Dion Sanders, Colorado University, the amount of money that in advertising and marketing materials that he's got in University of Colorado through three weeks of the season, $996 million.

It's crazy. I also saw it for college football fans out there, and if you're not, still pay attention to this. This is one coach who goes to a university and is absolutely changing the landscape of football. Primetime football game that he was coaching last Saturday had over 9 million people watching. It was the largest primetime college football game ever watched. Nine million is absolutely mind-boggling. So there's a lot of things that are happening here.

And I've also heard, David, that the landscape in which they are reporting TV ratings these days are starting to change. They are starting to factor in stream. So where it used to be only one household, when you'd get credit for one device, if there are six different devices in that household that have watched it, that will impact TV ratings. So we'll do a full episode on TV ratings. But for now, at least according to the online articles, Trista was paid a million bucks. And they're cracking down on the streams, too. I know that.

I got kicked off Jason Tardix, Netflix, people. You did? I got kicked off. Oh, shit. I didn't know that. Yeah. Wow. Interesting.

I got the notification from Netflix that it doesn't look like we're in the same household is where it's registered, and so we bit the bullet and had to get our own Netflix. So that was a good run we had, though. I am sorry to hear that. I wonder how many I get, or do they say if you're not in the same household, you're kicked off? I think it's same. I think they're really cracking down on that. So yeah, it's, you know, it was a good run, though. I appreciate that. Well, there's like four people that have my Netflix. Caitlin has my Netflix. You have my Netflix. And I think Risha or some other friend has my Netflix. So everyone's getting booed it, I guess. I don't even know if I've signed into my new Netflix on my TV here. So who knows. I got your password if you need it. So I'm not

going to share. I'm not going to trade that secret. And then one money question that I got to ask that was related to the episode that relates a little bit to my life that I thought was great, Jay, was you talked about your spending versus investing tolerance. You obviously have a higher tolerance for investing over, you know, that $2,500 blazer. But I got to tell you, I'm thinking about this. And I'm sure some people did at home. I have a low spending tolerance right now for my spending on material things and a very low tolerance for investing because I'm paycheck to paycheck. So what can you tell for people out there who maybe feel like I don't have spending tolerance anywhere because I'm just worried about that number of the bank account right now?

Shed some light on that and any advice you can give for the people at home who are in the same situation as me. Well, having a very tight conservative spending tolerance right now is so important because if you do get yourself in debt, it's not like you got yourself in debt five, ten years ago. If you got yourself in credit card debt five, 10 years ago, interest rates were at zero. So credit card interest rates were at anywhere from like 15 to 20%. Right now, they have CDs out there.

They have all different almost guaranteed investments that are paying 5% plus. So if those accounts are paying 5% plus, you can imagine the cost of debt like credit card debt has gone up significantly. Credit card debt's going to cost you anywhere from 20 to 40%. So if you're spending too much and you are living paycheck to paycheck and then you have to put those balances on your credit card, you are going to get in a position where you cannot get out of debt. And the big thing, David, is with the investing tolerance, now more than ever with interest, rates going up, inflation increasing year over year, we need to be making money on our money. It's just a basic simple concept that our money yesterday is worth more than it is today,

right? Think about the price of a Big Mac in 2000. It was two bucks. That same product now is five, six bucks, right? But if you had two bucks under a mattress and you kept it until 2024, it would still be $2. You have to be active with your investing. And if you find that you're a little bit risk averse which is fine risk averse of course meaning that you don't like taking on risk with your investments maybe adjust it just a little bit to get a little bit riskier because if you're not making money on your money I'm sorry you are going to be caught so far behind so David keep that mentality of conservative spending but maybe loosen up a little bit on investing especially last thing is you have time you have time you're not going to retire till 60 70 years old

right? You have so many years. If there's a huge pullback in the market, if it goes to zero today, you still have 25, 30 years to recover from that. And what we've seen historically is that the market will recover and the market will return about 10% per year if you look at the returns of the S&P 500 over the last 50 years. Notepad is down. Microphone is back up. That is my advice that I'm taking away from this episode. And I'm looking forward to seeing Joe on the big screen again. He's going on the goat. He's going on TV. I can't believe it's his fifth reality TV show that he's been on. So kind of wild, but always good to have Joe and another Canadian serene on the pod. Both a great

couple, great humans. Their energy shines bright when they're together. I love the way they work is one. The way they laugh, the way they support each other. It is a beautiful, beautiful relationship and I am honored to call them friends. So, David, I'm glad you enjoyed the episode. It was good to have you back on the ones and twos. Guys, don't forget, give us five stars. I have now moved. I have a whole new influencer closet. It is stacked. I have a lot of things to give away. So make sure you give us five stars. Let us know what guests you want on and your biggest take away from this episode. And we will be giving one person something from the influencer closet. We do it every single recap. So, David, what do you think? I think we should give something

away. What do you know? Yeah, I actually just realized that's a new backdrop for you. You're in the new, you're in the new studio. I like it. Thank you. We are going to give it away to Jamie Lieber I just discovered and followed this pod this past weekend. Excellent content. I have been seriously impressed with Jason's delivery and the interview facilitation reminds me of Skinny Confidential Podcasts, who was a guest on this show

like Lauren and Michael. Jason is so good at asking the right questions, catching key points and allowing for the translation of jargon and breaking down a seemingly complex concepts for everyday person to understand really great stuff. Keep it up. 8,000 explanation marks. And David, you are a big part of breaking down that jargon.

Jamie, Lee, Burnett, just shoot us and email training secrets at jason tardick.com with your address and we will send something now and thank you for listening to another episode of trading secrets one you can't afford to miss making that money money bring on me making that money money living that dream making that money money money pay on me making that money money living that dream Thank you.