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December 31, 2025 32 mins

The John Kobylt Show Hour 3 (12/31) - Lou Penrose fills in for John. Michael Monks joins the show to preview KFI News Special "LA Fires: One Year Later". Lou's dating advice for single women. New E-bike laws for 2026.

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Speaker 1 (00:00):
CAFI AM six forty. You're listening to the John Cobelt
Podcast on the iHeartRadio apps.

Speaker 2 (00:06):
Blue Penrose infa John Cobelt, I'm the John Coblt Show.

Speaker 3 (00:10):
Good to be with you.

Speaker 2 (00:12):
A week from today, Wednesday the seventh, at seven o'clock,
KFI will be airing a KFI News special La Fires
one year Later, hosted by Michael Monks. The special will
include reports from the KFI News team discussing those devastating fires.
It's amazing it was a year ago, the aftermath, lasting impacts,
and how southern California is doing on the road to recovery.

(00:35):
Joining us now is the aforementioned host, Michael Monks, who
will be running the show a week from tonight. Mike,
thanks for spending time with us.

Speaker 3 (00:42):
Give us a preview of what listeners will hear.

Speaker 4 (00:44):
Well.

Speaker 5 (00:45):
I can tell you that there is still a lot
of sadness, a lot of depression, a lot of anger,
and still a lot of questions surrounding the wildfires that
happened here in La County just about twelve months ago.
Almost exactly. The January seventh marks one year since all
of those flames really took hold of the Palisades, Altadena, Malibu,

(01:07):
the Hollywood Hills, And there's still so much more to
know about how we're going to rebuild, about what caused
those fires, about who deserves to be punished for that.
But what we do know is that folks are struggling
with their mental health. Folks in Washington, DC are investigating.

(01:29):
We know that there are organizations here on the ground
that continue to help folks who are in need because
of those year old fires. And we know that some
of our signature industries, namely Hollywood, is also still pulling
themselves out of the ashes of those fires. So that's
what we're going to focus on over two hours on
Wednesday night in this special, all of our news team
members have done their work to put together stories about

(01:54):
what happened that day, what has happened since, and what
folks who were impacted by these fires hope happens in
the future.

Speaker 2 (02:02):
What So, what's interesting, it's troublesome, it's tragic, but it's
still fascinating to me is most of Los Angeles was
unaffected by the fire directly, Yet everybody in Los Angeles
feels pain.

Speaker 3 (02:18):
And it's not just sympathy pain. It's more than that.

Speaker 2 (02:21):
I mean every like people that didn't lose their home
and knew nobody that lost their home still feel a
kick in the stomach because they're fellow Angelino's and they
know that either they believe that the system failed them,
government failed them, or the recovery is failing them, or
zoning and the ability to rebuild is failing them. But

(02:43):
they just feel like in so many aspects it has
been unsatisfactory.

Speaker 5 (02:49):
I think it illustrated the vulnerability that everybody has here,
especially as it relates to those types of natural disasters.
A fire can consume any just at any part of
LA at any time, and that's scary to think about.
This was different than most big wildfires we cover here.

(03:10):
They're always devastating, they're always scary looking, and they're occasionally
devastating for folks who live near them. But usually there
aren't a lot of people, at least not at this scale,
who live near those flames, or they're able to be
evacuated really quickly, or the flames are able to be
put out before houses are taken. Of course, that's not
always the case, but we've never really seen it on

(03:33):
this scale, And to see two neighborhoods within La County
completely erased. That's something no matter which part of the
state you live in, maybe even in the country, after
you've seen these images, you're gonna forget. This is unprecedented.
The thing is, lou Is, those neighborhoods are gone. We

(03:55):
don't know what they're going to look like when they're rebuilt.
It will take years for it to be fully repopulated.
But I can tell you in the Palisades on the
same day that we're doing this special, early that morning,
starting at ten thirty, survivors of the Palisades fire are
putting together a program to talk about where things are.
In the name of it, lou they let us burn.

(04:17):
So you know that there is still a lot of
raw feelings connected to that from a year ago, and
we're still learning so much.

Speaker 6 (04:24):
I mean, it was just a.

Speaker 5 (04:24):
Couple of months ago that we learned about that possible
connection to the earlier fire. I know that it had
been speculated, but to have federal officials, investigators saying there
was a fire on January first that started near where
the Palisades Fire burned. A week later, we think it
started from the same fire. All this stuff is so
there's so much to learn, and it's already been a year.

(04:48):
We're going to be digging out of this for a
long time.

Speaker 2 (04:51):
Yeah, to talk about what the applications are I think
about that too. You know, the Chicago fire was over
a century ago, Missus O'Leary's ca but the results were
fire codes that change for the city of Chicago that
were revolutionary for other major cities in the United States
as we turned the century. I'm wondering if there you

(05:11):
mentioned that southern California is vulnerable to fire. You see
these like horrible scenes from above after tornadoes.

Speaker 3 (05:18):
We don't have tornadoes here.

Speaker 2 (05:19):
You see these horrible scenes after hurricanes along the Eastern seaboard.
We don't have hurricanes, but we are susceptible to fire,
certainly southern California. And will we change the way we
structure the infrastructure, or structure the houses or space the houses.
Will there be a post Missus O'Leary's cow Chicago in
Los Angeles.

Speaker 3 (05:40):
It's strange because it doesn't you can.

Speaker 5 (05:44):
I know this isn't going to be news to you,
but a lot of people don't have a lot of
trust in the government to begin with, and less Now
that's what I mean is this wasn't just usual grumps saying, ah,
the government, they won't do anything. I mean, these were
people who might not have ever felt that kind of
you know, empathy towards the government in their lives until

(06:05):
they saw how it failed them at every single level.
And what types of reforms are to come of this really.

Speaker 3 (06:14):
Yet to be seen.

Speaker 5 (06:15):
This is not a city government as a release of
the Palisades or a county government that moves quickly on
these types of reforms. It seemed that a lot of
the priorities that we saw and I'm talking days after
the fire loo, we saw proposals at city Hall in
Los Angeles to put eviction moratorium in place, and.

Speaker 3 (06:41):
Like those are the that's always the go to playbook.

Speaker 2 (06:43):
Right, and make sure nobody gets thrown out. They're not
paying the rent, but they can't get thrown.

Speaker 3 (06:47):
Out, right, But like, what did that have to do
with anything? It didn't have anything to do with anything.

Speaker 5 (06:50):
I mean, people were literally standing in the burning embers
ashes of their home, and that's where the priorities went.
But we have talked to Senator Adams shiff Before He's
got some legislation that he's calling biparties and there's a
Republican Center co sponsoring and that's supposed to make it
easier to rebuild with more fire resistant materials. But it's
not just city or you know, county regulations that the

(07:14):
might need to change.

Speaker 3 (07:15):
The insurance crisis.

Speaker 5 (07:17):
Here is a mess, and I think now that is
in people's conscience the way that it wasn't before.

Speaker 3 (07:23):
There's so much to do, Lou, Right, Like, where do
you even begin? Where do you even begin? Right?

Speaker 2 (07:28):
Why talk about the new structure of infrastructure, Lou, when
I still don't have a house and it's not even close,
and now other people can't get fire insurance. Yeah, No,
there's the story continues. It's been a year, but you're right,
we're still learning. There's still news to gather. And the
special air a week from tonight Wednesday on KFI, starting

(07:50):
at seven, Michael Monks will host.

Speaker 3 (07:51):
Thank you so much for givings the preview. Appreciate it.

Speaker 2 (07:53):
Happy New Year, Lou, Happy new year to you all Right,
when we come back, Kamala Harris had some New year advice.
She was on a podcast, not talking well. She was
talking about politics and her political future, but a sidetracked
into dating advice of all things, and a lot of
people are talking about it, and I have to say,

(08:14):
listening to Kamala Harris's dating advice for single women, we
may have just found something that Harris and I agree on.

Speaker 3 (08:23):
I'll share it with you next. Lou Penrose, if.

Speaker 2 (08:26):
Of John coblt on The John Cobelt Show on kf
I AM six forty Live everywhere on the iHeartRadio app.

Speaker 6 (08:32):
You're listening to John Cobelt on demand from KFI AM
six forty.

Speaker 2 (08:39):
Louke Penrose info John Cobelt on The John Cobelt Show.
An absolute pleasure to be with you all this week.
Cobelt Back on Monday. Former presidential candidate, former California Senator,
and former California AG Kamala Harris on the campaign. It's
clear that she is certainly on a listening tour for

(09:04):
the Democratic nomination in twenty twenty eight. She's also selling
a book, and she's doing a lot of podcasts. Some
of these podcasts I've really never heard of, but I
don't know how they get ahold of her, but she's
on all these podcasts. And there is a side to
Kamala Harris that I like, I don't agree with her politically.

(09:26):
It was a tough battle for her and it was
cringeworthy in many respects. I did not think she was
qualified to be a president. I didn't think she was
a good vice president, and I didn't think much of
her as a US senator. She was a prosecutor, so
she could do the job as an age. But I

(09:50):
just don't think politically she has strength. Now the results
have been what they've been. She president. She was beaten
by someone who is polarizing, for sure, but he won
the electoral college, all seven battleground states and the popular vote,

(10:11):
so she got shellacked. But I'm out here to dance
on her political grave right now, because there is a
side to her that is very affable, Like she's not
somebody you want running the country, but you could see
yourself going to a ballgame with her.

Speaker 3 (10:26):
And having a beer or whatever she's drinking.

Speaker 2 (10:29):
She also was on a podcast and she was giving
dating advice. Oh, she was asked about being single and
asked about marriage and relationships, and that I think it
started with that she was married later in her life,
that she had established her career first and then got married,

(10:49):
which is less and less unique. It used to be
quite unique. Now it's far more common. And that's how
they got into this conversation. But then she got into
advice for single women, and I thought it was fascinating.

Speaker 4 (11:02):
For anyone who is single who wants to be in
a relationship is to be kind to yourself and choose
to be with someone who is kind. That's really important,
you know it. Choose to be with someone who allows
you to laugh at yourself and them.

Speaker 2 (11:25):
Yeah, I think that's good advice. A little word salady.
But when I hear things like that, when I hear
her respond to questions that I have nothing to do
with politics or policy or anything she'll be fact check on,
and she still goes into the word salad mode, I
begin to realize she's not avoiding the question. Her brain

(11:46):
is wired in word salad, and it makes it it
makes it a little easier to understand. But for the
most part, she said, yeah.

Speaker 3 (11:55):
You need to date.

Speaker 2 (11:56):
So she mirrors my philosophy for single women and who
want to get married, and that is date a lot.
You should be dating a lot, and you should be
honest with yourself about what you.

Speaker 4 (12:07):
Want, you know, I mean, And there are different phases
in your life, and depending on what phase you're in,
maybe you're going to choose that you want to have
that kind of Friday night relationship or you want that
Sunday morning relationship.

Speaker 2 (12:23):
There's that laugh. You better believe it. So I have rules.
I have nieces that are in their twenties, and I
know that they want to be married one day. Because
we were a small family. It's just my brother and I.
My parents are gone and we don't really have close cousins,

(12:43):
so it's just me and my brother. So their entire
structural observation of marriage and family is what I do
and what my brother does. And my brother married as
a young man early in his career. He didn't wait
until his career was established. He has five kids. I
married three boys, so he's older than me. So his

(13:03):
daughters are in their twenties now, and when I talk
to them, I know that they want to be married,
but they think it'll just happen one day, And we
get into these arguments all the time because I keep
telling them. And I think this goes for single women
in America today, certainly single women where I live in
San Diego, and that is they don't know how to date.

(13:24):
They don't even know what dating means, and it just
confuses them when I advise them, you need to go
out with many different people if you want to be
a married woman someday. This advice is only for single
women who wish to be married one day. If you
never want to be married, then continue doing what you're doing,

(13:44):
because you will certainly not be married. You will be
older statistically, broker and just as I'm married. But if
you want to be a married woman, you need to
be purposeful about it in your twenties, and you need
to be conducting job interviews all the time because there's

(14:05):
no other way to do it in TikTok TikTok. Statistically,
if a woman is thirty and not married, her odds
of getting married are one in five twenty percent, Like
eighty percent of the women who are thirty and not
married will never get a ring on that finger. And
if you wait till you're thirty five, it drops down

(14:25):
to fifteen. And if you have a child, forget it.
It's over.

Speaker 3 (14:29):
It's like under twelve not happening.

Speaker 2 (14:33):
So if you want to get married, you've got to
be purpose purposeful about it. And again this is advice
for single women who wish to be married. Whenever I
say things like this, people are always like, Loo, you're
being sexist. Yes, I am sexually discriminating. Absolutely I am.
This advice is only for single women. But it turns
out Kamala Harris has the same advice as me.

Speaker 4 (14:55):
Be in those phases where you are having fun, but
be honest with yourself about what you're in.

Speaker 2 (15:01):
That's right.

Speaker 3 (15:01):
Be honest with yourself.

Speaker 2 (15:04):
Right, if you're just hanging around, you're just gonna be
hanging around, not getting married, not getting proposed to. YEA,
have fun, but be honest with yourself.

Speaker 4 (15:13):
But be honest with yourself about what you're in and
figure out whether what you're in is actually what you want.

Speaker 1 (15:20):
Right.

Speaker 4 (15:20):
But the first step is to be honest about what
you're in and not try and make it something that
it's not, because that usually doesn't work out.

Speaker 2 (15:29):
So well, good for you, Kamala, I agree one hundred percent.
I wish you would talk to my twenty year old
nieces because they're not honest with themselves and they get
mad at me when I'm honest for them that they're
in things that are not going to amount to anything.

Speaker 4 (15:44):
Uh.

Speaker 2 (15:45):
And I like what she had to say. I don't
know if she's going to be the Democratic nominee or not.
I don't know if she has a political career ahead
or not. I think not. But you definitely definitely has
some chops to be you know, a dating advice line, lady,
and enjoy.

Speaker 4 (16:05):
Dating, by the way, because dating is fun.

Speaker 7 (16:08):
It's fun to date.

Speaker 4 (16:09):
It's supposed to be and it's supposed to be right,
you know, just do what at the end of the day,
when you go to sleep at night and when you
wake up in the morning, it makes you feel like
I'm good.

Speaker 2 (16:21):
That's right. I like that advice. I agree with her.
I told you there's a side to her that's quite
quite pleasant, quite affable, quite thoughtful, and I think she's
given out good advice right there. Be honest with yourself
about what's going on right now and where this is going.
And if you're just going to concerts and going to

(16:42):
Champagne Mimosa breakfast on Sunday, then have fun doing that.
But that's all that's going to happen. It's not going
to evolve into like a real marriage. And if you
want to be married, enjoy dating. Date many many, many people.
I tell my niece this all the time. Here's the secret,

(17:02):
and it's far too far. Few women understand the single women.
When you meet somebody wherever, you meet somebody and you
hit it off and they want to see you again,
and they say, hey, this is great. What are you
doing Friday night? Here's your answer? Every single time. Write

(17:23):
this down and say it delivered exactly like this. Don't
try and improve upon it. It cannot be improved upon.
Here's your answer. What are you doing Friday night?

Speaker 3 (17:33):
Oh?

Speaker 2 (17:33):
I have a date Friday night. I am however available Saturday.
Say it exactly like that. Did you get it? Tell
him I have a date Friday night. Unfortunately, I am
nevertheless available Saturday. It will make you the most attractive
woman that this guy has ever seen. Because other suitors

(17:58):
are pursuing you. You would have a date on Friday,
a date with another suitor on Saturday, and another guy
on Sunday champagne brunch. And that should be and I
mean that's just one weekend. There should be three others
the next weekend. You don't have to sleep with them all,
but you should have them take you out, Pepe. When

(18:20):
people are vying for your attention, which is what a
date is.

Speaker 3 (18:24):
Time with you. Then you become very, very attractive.

Speaker 2 (18:30):
And if more single women knew that, they'd get more
proposals and more rings on fingers. Write that down. Lou
Penrose Info John Cobelt on The John Cobelt Show on
KFI AM six forty Live everywhere on the iHeartRadio ID.

Speaker 6 (18:45):
You're listening to John cobelts on demand from KFI AM sixty.

Speaker 2 (18:51):
Lou Penrose Info John Cobelt on The John coblt Show.
Happy New Year, It's New Year's Eve, Rain's coming down.
We're all ready to go. All our plans were set
and I hope you have a fantastic one.

Speaker 6 (19:04):
Hey, you just made you just made a comment that
you live in San Diego.

Speaker 7 (19:09):
I thought you and your wife.

Speaker 5 (19:11):
I thought you guys lived up in LA on the
West Side.

Speaker 7 (19:14):
Thank you have a great show.

Speaker 2 (19:16):
I appreciate the call. No Cobelt lives on the West Side.
I live just north of Camp Pendleton. I said that
the girls in San Diego don't know how to date.
You told your niece to say she has a date
on Friday and can't make her mind A just dating everybody. Yeah,
you are incorrect, and I understand that that's the way

(19:42):
it has evolved, where if a young lady has lots
of suitors that she has looked badly on, but that's
it's the opposite. She's in demand and that's a good
thing for her. Remember this is dating advice for single
women who wish to be married. If you don't wish
to be married, don't take my advice. Just continue doing

(20:03):
what you're doing. But that's the problem that young women think. Wow,
if I'm if I have a busy dance card, people
are gonna think I'm promiscuous. That's that they're not mutually exclusive.
You can do whatever you want, right, no one's gonna
judge you. But if you're looking for a husband, a
life partner, there is no other way to do it

(20:26):
but to audition men who are vying for your time.
That's what a date is. A date is a one
time event where somebody man or a woman who wants
to spend time with you, who wants your attention and
is paying for it properly in my opinion, right says Hey,

(20:51):
I liked you, I liked your smile, and I liked
our conversation.

Speaker 3 (20:55):
I would like your individual attention for an evening.

Speaker 2 (20:59):
That's what a date is. You can go out to dinner,
you can go to a movie, you can go out
for coffee, you can go walk in the park, you
can go for a bike ride, you can go to
the beach.

Speaker 3 (21:07):
Whatever it is, it's a date. It is designed for
one reason and one reason only, for.

Speaker 2 (21:14):
The person who's asking you to get your individual attention
and for you to make judgment on him. Is this
the kind of guy that I can see myself.

Speaker 3 (21:26):
Growing a life with.

Speaker 2 (21:28):
That's what you should be doing. And it's very important
that that person know that you are out with another
guy the night before and you are going out with
another guy Sunday afternoon. Very very important, very healthy for.

Speaker 3 (21:46):
Him too as a guy. I'm here to tell you.

Speaker 2 (21:50):
And if he liked you now he really likes you.
If he was interested in you, he's really interested in you.
He's not turned off by you because you have a
date with another guy.

Speaker 3 (22:01):
He's challenged and that's what you want.

Speaker 2 (22:04):
You want good guys working competing for your attention.

Speaker 3 (22:12):
So that is the advice, and I'm sticking with it.

Speaker 7 (22:15):
I'm listening to this stuff about dating with women, and
I would think that lou Penrose's idea about dating as
many men as.

Speaker 2 (22:26):
A woman can would actually deter marriage because they won't
settle down and pick a guy.

Speaker 7 (22:36):
They would just try to keep hopscotching. Not a good
idea and not good advice.

Speaker 3 (22:40):
It is great advice. You're wrong.

Speaker 2 (22:42):
They will settle down as soon as lightning strikes and
they meet the guy, the person. It doesn't have to
be a guy, but when they meet the person that
is the right one. It's instantaneous. And all of you
that have fallen in love know exactly what I'm talking about.
Being swept off your feet is a thing, And of.

Speaker 3 (23:03):
Course it's good advice. That's not my only rule.

Speaker 2 (23:06):
You want to hear another rule, This one I usually
lose on, but it is my rule and I stand
by it. After the age of twenty one, there are
no boyfriends. Once you turn twenty one, There's no such
thing as a boyfriend. A boyfriend is a lyric in

(23:26):
a nineteen fifties pop tune. After you're twenty one, you're
a grown woman. There are only three things in your life.
There is a friend or an acquaintance, a fiance, and
a husband.

Speaker 3 (23:44):
For a single woman, there is no other thing.

Speaker 2 (23:47):
There is a friend, a fiance, or a husband, nothing
else know one between, no ifs ands or bots. Write
that down. Louke Penrose on COBLT on KFI AM six
forty Live Everywhere on the iHeartRadio app.

Speaker 6 (24:05):
You're listening to John Cobelt on demand from KFI AM
six forty.

Speaker 2 (24:11):
Lou Penrose in for John Coblt on the John Coblt Show.
John will be back on Monday. It'll be January fifth already,
but we're not going to get ahead of ourselves.

Speaker 3 (24:24):
Tonight is New Year's Eve.

Speaker 2 (24:26):
Lou You are one hundred percent correct. I am a
fifty something year old woman. I wish I had had
your advice back in my thirties because I did not date.
I took the first jackass.

Speaker 3 (24:40):
That came along and subsequently got divorced. I wish I
had played the field.

Speaker 2 (24:46):
I wish I had valued myself more to allow men
to audition for my company. You're so right. Yeah, I
appreciate the call. Of course, I'm right. I mean this
isn't just an opinion. I mean it's absolutely right. If
you are looking to be a married woman, you need
to prioritize that it's the most important thing that you

(25:08):
will do in your life.

Speaker 3 (25:11):
And women are in a unique position.

Speaker 2 (25:14):
Men don't have the same challenges that women have, which
is time. So you women need to need to do
this literally in their twenties. And that's why I set
the cutoff at twenty one on boyfriends. Louke Penro's rule.
After twenty one for women, there are no boyfriends. Those
days are over. There's no senior prom, there's no junior prom,

(25:38):
there's no homecoming.

Speaker 3 (25:39):
And there is no boyfriend.

Speaker 2 (25:41):
Cracks me up when I see these thirty four year
old women and they're living with their boyfriend. What does
that mean?

Speaker 3 (25:48):
So that's one rule, no boyfriends.

Speaker 2 (25:51):
There's only three things in a woman's life after twenty
one a friend.

Speaker 3 (25:55):
A fiance, and a husband.

Speaker 2 (25:57):
That's it. No f sansra butts.

Speaker 4 (26:01):
Uh.

Speaker 2 (26:01):
Yeah, Look this is not new. What do you think
people did post World War Two? In the fifties and sixties.
They went out on dates. Don't you watch Happy Days?
That's what they did. They weren't hoes because they had
dates with other boys. They were on dates. And that's
what the purpose of a date. As you just said,

(26:23):
the college just said, competing for attention. That's a very
smart and healthy thing, and it makes other suitors step up.
Women always talk about there's no good men, right because
you're not asking men to be good. You're going out
with just the guy. I see it all the.

Speaker 3 (26:43):
Time where I live, and I go down to.

Speaker 2 (26:47):
Like these pizza the place called Pizza Port in San
Diego and Imperial Beach is also one in San Clementy,
and it's hilarious.

Speaker 3 (26:54):
And I noticed this many years ago.

Speaker 2 (26:57):
They will there will be not tonight, but certainly on
Friday night, there will be these unbelievably beautiful twenty somethings,
sun kissed blondes, just gorgeous, I mean, like textbook Southern
California beauty. And they'll be with these slovenly sloppy, hoodie

(27:20):
wearing surfer dudes with no game, no money, no job,
and no career prospects, and they're doting on them. And
then they'll go home in the car that she owns.
And this all seems very normal. So that's not the
model for success for a single woman. What you need
to do is to make everybody know that you are

(27:43):
in the business of finding a life partner and you
are actively pursuing that person and you might be it,
but you probably won't be. That's why I need to
go out with somebody else on Saturday night and then
another person on Sunday, and I'm in demand.

Speaker 3 (27:56):
That is the way. That is the only way.

Speaker 2 (27:59):
No boyfriends, and don't move him in. I'll lose on
this one every time. Don't move him in. He can
come for a visit if he wants the Netflix and chill.
That's up to you. You make your decisions, but make
sure he leaves. Never, ever, ever, ever, ever, ever give
a boyfriend a key. Did you know the number one

(28:19):
area of closures on condos in southern California are single women.
Single women are closing on real estate, residential real estate,
more than any other group, more than married couples, more
than single men. Certainly so women own real estate, so
they need real estate advice. And that is. Never give

(28:41):
the boyfriend a key ever. Do not let him forward
mail to your house. Do not let him make any
structural improvements to your house.

Speaker 3 (28:55):
When he says you pay the rent, I'll get the groceries.

Speaker 2 (28:57):
No, if he wants to hand you cash, do not
let him pay a utility bill. You may not understand
why these rules are I know my realtors out there understand,
but do not let him write a check for your
utility bill, not one time. Do not give him a key,
but I'll lose. You're gonna let him move in. I

(29:19):
know you are, because you're hoping and dreaming and dreaming
and hoping. But while he's there, do not let him
forward mail, let him get a po box, and do
not let him make any he wants to change a
light bulb, that's fine, but do not make him let
him make any real improvements to your condo.

Speaker 3 (29:36):
That's just good advice.

Speaker 2 (29:38):
Remember I'm a terrible girlfriend, but I'm an excellent big brother.
So write that all down.

Speaker 3 (29:45):
By the way.

Speaker 2 (29:46):
Speaking of money, Americans are going into the new year
with a new attitude about money.

Speaker 5 (29:50):
Forty four percent say they feel like they're falling behind
on their personal finances.

Speaker 6 (29:55):
I would just say saving more.

Speaker 3 (29:56):
I feel like that's a good job good It's just
like getting a.

Speaker 4 (29:59):
Set of not to save each week, no spending money
on like the frivolous things like not buying coffee every day.
You are thinking about investing more money into for the
new year.

Speaker 2 (30:10):
Not buying coffee every day is going to be easier
because they're closing. Like all the Starbucks. I just saw
that somebody Starbucks they're closing. None of those things are
going to get you ahead of the eight ball when
it comes to finances. Let's be honest. If you really
want to have more money, pay off your car. I mean,
I don't want to sound like Dave Ramsey here, but

(30:32):
it is the most ridiculous thing you do with money.
I saw that the average car payment now in southern
California is north of six hundred dollars a month. Six
hundred dollars a month for a depreciating asset. Don't do it.
I know everybody does it, but don't be like everybody.

(30:53):
Because everybody's going into the new year with resolving to
not buy coffee. They're gonna get wealthy by not buying cafe. No,
but you will get wealthy by not making a car payment.
So if you're in the middle of a car payment,
make your car payment, but save up money. And then
when you want to get a new car, go out
and get a car and buy a car that is

(31:14):
way cheaper than the car you want, and buy it
used and buy.

Speaker 3 (31:18):
It in cash.

Speaker 2 (31:19):
Save up now for it. People used to have Christmas
club savings you can put aside money every week. I mean,
if you have six hundred dollars in disposable income for
a car payment, you have some cash around. And then
once you have a car, even if it's a clunk
or a used car, or your mom's old car or

(31:40):
whatever car you have, start making a car payment to
yourself every month. Get a separate savings account that it
doesn't matter if it bears interest at all, just a
place to put six hundred dollars a month. You had
it because you were making car payments before you had
the car. And make yourself a car payment. Make that
car payment to yourself four years, like three years, four years,

(32:02):
and then when you want a brand new car, go
out and write a check for that car in cash,
and now you have no car payment, brand new car,
and then do it all over again. But the car
payment is keeping you poor, So write that down and
happy New Year from all of us at KFI. Luke

(32:24):
Penrose on KFI AM six forty live everywhere on the
iHeartRadio app.

Speaker 1 (32:28):
Hey, you've been listening to the John Covelt Show podcast.
You can always hear the show live on KFI AM
six forty from one to four pm every Monday through Friday,
and of course anytime on demand on the iHeartRadio app.

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