Making the Cut with Nick Viall

Jana and Mike whine down with former Bachelor Nick Viall, who has a lot to share about relationships. What happens when two STRONG personalities are in a relationship?   He also has valuable advice on how to deal with anxiety.

Remember Mike’s iPhone game spening problem? It hasn’t  been resolved yet. David Bach, author of The Latte Factor, is here to help with couples and their money issues! You can make small changes to your lifestyle that result in huge financial rewards.

Plus, Jana and Mike offer some help for a listener who has never been kissed.

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Episode Transcript

Speaker 1 (00:01):
Wind Down with Janet Kramer and I Heart Radio jodcast.
Oh and Michael Causin, all right, got to change. That's
the guitar and I hear things. Do you want to
give it a run? It's good. Every time I'm on
a podcast, I listen to the opening songs. I want
to like get notes. Um, I like it. For those

(00:24):
of you that don't know that voice, this is Nick Vale.
What's up? Nick? How are you good? How are you?
I'm really delightful. Thank you for asking how you are.
That's good. Um. So for those of our wind Down
listeners that don't know you, let me just give them
a little rundown. Nick was on The Bachelor Bachelorte Bachelor

(00:45):
in Paradise. You first started Andy dorphan season where you
receive the first impression roads five years ago. Five years ago,
so if you're like forever kind of confessed his love
for her as one of the final two bachelors, Oh Dune,
Dune Dune. She chose someone else and then he popped
onto Caitlin Bristow's season. It was more or less invited

(01:07):
and final growth thereon, she chose Sean ca Dm. She
did every everyone knows this okay, and then you want
to bachelor on Paradise, But then you had your own
season of the Bachelor, which, by the way, when that
choice came up, because you were kind of like hated
a little bit. Not then, No, because I was when

(01:29):
you were a bachelor. No, when I was on That's
why I was the Bachelor because of Paradise, because that
was oh quite quite much. Yeah. Um, I mean, accord,
we all know Janna hated me. I guess no, no, no no, no,
it was just an interesting choice because you had already
had two shots, three shots apparently. Um, he had staying power.

(01:53):
I know, but like both three girls. Well you turned
down the one girl? But then did you turn it
down because you knew you wanted to be the bachelor? No? No,
you just didn't feel the love I did. Not do
people eat Paradise Actually in relationships, yeah, Jade and Tayner
arguably has a better track record than the Bachelor or Bachelorette. Um,

(02:15):
can I just ask you a question? Sure, so I
know both? No, because I know I'm friends with the
Andy I was would say I know that I'm friends
with Andy. Oh well no, I mean I'm friends with
Andy and how close? Um? Why doesn't matter. I mean

(02:41):
we're not like besties, but we chat whatever. I'm in
New York. We'll have a drink, We'll get a glass
of wine. She's a really nice girl. I like her.
I was friends with Caitlin. Well, not that I'm not
what happened? Oh whose podcast is this? Because I'm the
one asking the question. Son Um, I mean we're fine now,
but we have a little bit of a falling out.

(03:01):
I wouldn't say we're I mean we're we're fine now.
But I also know Vanessa because obviously she's on my
heart radio. So all his women have like really strong personalities.
They do super super super strong. It's exhausting. But then
why do you continue to pick the same women. It's
a great question, that's my question. Excellent question. You. Uh,

(03:25):
couple of things. Okay, mommy issues. No, my mom is
truly a saint. Uh. Interestingly enough, my mom is exactly
the opposite of those women. Those women I have, in
fairness to those women, always been attracted to very strong personalities. Uh.
And my defense is relates to those three women. Those
were obviously, as the show goes, unique circumstances. I didn't

(03:48):
select Andy when she was the patch slor At I
showed up but not new Caitlin was a unique situation
where we didn't know each other and I actually specifically
came for the girl. Uh. And then as when I
was the Bachelor, do you guys think you would have
really made it work? Though? Yeah? Yeah, made she made
the right choice. Um yeah, And then and you know,

(04:11):
I also didn't pick the thirty women that came out
of Lima when I was the Bachelor. You didn't have
one say no, now, you didn't get to look at
any of the girls or something. I would have cast
it Liz who affects with at a wedding. And then
we didn't talk. And then I was like, hey, come on,
let's talk about it. That was weird. It was a
weird one. Um, did you not watch Paradise? No, I

(04:33):
don't watch Paradise. I just watched the beginning to miss
on your part. Also, it's like my best work franchise,
So no, I did. I did not watch Paradise at
all anyways. Um, but Vanessa was sweet. She was you know,
she helped kids, she was but very strong personality. Again
because I exp we just hung out a nappa, but

(04:56):
so sweet her her first impression and yeah, strong, beautiful,
great is the room. She's an absolute pro at the
first impression. What's the second impression? Just like I'm just
saying her first impression, it's fantastic, right, But we go
deep on the show, we go real deep. We talk

(05:17):
about you know all of it. Um, I don't know
share our first impression is great, It's really great. I
was gonna say, I think strong personalities, strong real personalities
tend to get attracted to strong women. Personalities do sometimes
sometimes not. I have sometimes find it is it will
be opposite to try. I think. When it does, though,

(05:39):
it can be great because at the same time, if
someone who has a strong personality get someone who's submissive
all the time, that's not a challenge. That's not fun.
You and I, I mean you and I have to
have someone that challenges each other otherwise we walk all
over them. I don't know you that well, but I
don't know Mike at all. But do you guys have

(05:59):
strong personalities? Yeah? Very strong, And I mean they were
sweetest of guys, Like, I mean, I could name them.
They're they were so sweet. But it's like I will
literally walk fall and I did want anything. I can
do for you right whatever you whatever you want, hey,

(06:21):
um or listen. I have found to Mike's point, Um, listen,
I haven't figured it out yet in terms of my
my match. Yeah, I know my skin. Uh, I'm just kidding,
but I listen that what I've learned in life is

(06:43):
that sometimes, um, someone with a strong personality. I like confidence.
I'm attracted confidence. I think most people are, and I
think sometimes it's easy to mistaken people with strong personality
is confident people. Sometimes people who are who have strong
personalities and project what seems be confidence over time reveals
itself to be a lot of insecurities, and sometimes that

(07:05):
big personality will project project their insecurities and another person
who is also confident. Because if you are, uh, if
you're position yourself and present yourself as a confident person
and then get yourself in a situation where you feel
threatened or feel intimidated, and whether it's a friendship or
work situation or a relationship, sometimes that can come out.
I have found in relationships with women I have dated

(07:27):
that again, I'm sure I'm doing things, and there a
lot of things I can work on as a as
a partner, but I find that I bring out some
of those insecurities because I've always been a confident person
and it becomes contentious and it doesn't. It's not a
relationship where you're bringing each other up a brother bringing
each other down. Yeah, what is your fault? You think
in relationships? Like where do you think that you could? Like?

(07:48):
What's the one thing that you know that you have
to work on? M that you like? For me, Like,
I know I'm super passive in a relationship. I need
to learn how to not be as passive. I'm not.
I can some I need to well in life, I
need to listen better. I also will play devil's advocate
a little too much in a relationship. Um, And what

(08:10):
I've learned, I mean, I'll you know, I've learned this
from female friends and all friends that like sometimes especially
maybe let me know, Jenna, But if a woman is
expressing her frustration about any situation, sometimes she doesn't want
a solution. She just wants to set the up and
let her vent. And I can sometimes struggle with that
because I'm a solution based guy. It's like, all right,
let's break it down, all right, Like you know, like

(08:32):
this is a math equation and one plus one plus one,
he goes four for three or whatever. I don't know.
I ter carry the two and here's here's how you
do it. And she's like, just go, but I don't
want to yell. Yeah, and so I can. I can
be better at that? Interesting, I mean most men probably.
I mean I'm not a rare bird in that, but
not at all. But I really I could really work

(08:53):
on it. I'm like, yeah, yeah, I could really. I mean,
you want to settle down very much, so sometimes my
actions don't reflect my desires. But do you have any interest,
like in dating anyone that's not a social stature? Like
do you consider anybody and everybody? It all just kind
of depends on Yeah. Really that it's a really opened
the flawed gates. I'm really open to anything at this point.

(09:17):
What about Tanya? What about Tanya? She's a sweet girl.
I don't know, you're always trying to pimp out Tanya.
I love her, She's great. I don't know if we
would really, I think we're better friends. Yeah, So, like,
would you want confident? But then I feel like you
also want submissive. It's very confusing. I think you're a
very confusing bird. Like I can't I can't read you,

(09:38):
because I think that's what the draw is. I think
that's why girls people because interesting, because I often am
told that, and yet I often think I'm an open book.
I'm a very honest, blunt person. I will tell you
how I feel if you ask me a question, and
yet for some reason people can't figure me out. I
think part of it is because I have many different

(10:00):
opinions about things, and I do have you know, sometimes
they can be really quiet. Sometimes I can be big,
like loud, um, what do you think? Just on the
I don't I didn't watch it as much as Jana,
but the first few seasons, yeah, but it seemed like
guys weren't warm and fuzzy with you right like. It
always kind of seemed like they the way Maybe it's

(10:22):
just the way they produced it or edited that you
were kind of on your own and not you know,
buddy Buddy with all the all the all the bros.
Some truth to that early on and some of it
TV show on Andy season, it was very browy season.
It was like particularly like like Bro. It was also
can and Sean just like fun. That's the thing that

(10:44):
Caitlyn thing is so specifically to the Andy season. It
was a browy season and it was a poorly cast
I mean, Andy season was one of the lowest rated
bat Shirts of all time, and that was mostly because
it was kind of a boring season where they didn't
really have a villain. I was made to be the
villain and that was the runner up. And when you
watch it back, it was like, it's not really doing anything.

(11:06):
He gets he seems relatively normal, but like, you know,
I gave Andy, I mean, I was a villain because
I was strategic. That was my big crime, as I
gave her flowers. And so I think there wasn't at
the worst, you know, you didn't have the chat or
some of this real drama, all these different storylines. It
was a bunch of guys who were like bro and
everyone was like cool with each other because and I

(11:27):
was just like and I really liked Andy and there
was a real relationship and I just was like I
didn't have time for them. Um as far as Catlin season,
I showed up, right, I showed up as the perceived villain, right.
So all these guys at the time, the Tanners and
the Jared's and the bends of the world, you know,

(11:47):
there you know, then I came in they had this
literal target on my back. They were all really sweet
and it's funny. I'm you know, Jared, Jared Tanner, some
really good funds of mine, as well as Ben Higgins. Um,
they're all really cool. It was at that point just
so the story of the entire season was just Nick
versus Sean. That's that was the literally the whole season.
So are you? Are you Caitlin versus if you could pick,

(12:10):
it's a Caitlin or Sean team whom nobody you guys,
you have like a total hatred for her. No, and
that's not true. Caitlyn called me last week. Oh well,
there was a big article in US about how you guys,
I call it big another artist. Thanks for keeping up
on me. No, no, I'm not keeping up on you.

(12:31):
I was keeping up on US weekly there for my stories. Um, okay,
well that's so you guys are fine now, she called.
I mean I was always fun. I was always annoyed
with Caitlin. Um because over the past, I mean, in reality,
I showed up for a season which she uh basically
asked me to show up. I was I willingly also

(12:52):
wanted to show up. I very at the time strong
feelings for you know, the little relationship we had before
h um, and since you know, then she picked Sean,
which was ultimately the right choice, and then I basically
went away. You know, I didn't talk about her. If anything,
when she was getting criticism for the whole like sex

(13:12):
and whatever, and she was getting heat, I was defending her.
And then other than that, I just kind of went away.
And basically for the past three and a half years,
when it was ever convenient for her, whether it was
like a snarky joke or on her podcast, I was
always mean thrown under the bus by her for whatever reason,
and this implication that like, well then the producers maybe
bring Nick or blah blah blah, and I'm always like, yeah,

(13:34):
none of those remotely true kind of thing. And so
I was just always frustrating, and she made some more comments,
and at this point now you know that the excuse
was always Sean. You know, I was like, well, you know,
because Sean is insecure San, Sean is this, and um,
so I was pretty pissed, and so I made some
comment which I probably shouldn't have done, but I would
when it came when it comes to Caitlin. I'm very

(13:56):
sensitive about that situation because it was like, dude, look
what the well you took the high road and she
kept throwing ja well not only talking the high road,
it was no hyrod like. It was like we broke up, like,
you know, like I showed up. I'm sorry your fiance
hates me, but like what did I do? Um? And
to appease him? Like I was literally the butt of

(14:18):
jokes except when I was the batch or whenever it
was convenient for her. She would willingly show up on
Jimmy like she if it was you know, and so
that was frustrating. So anyways, she called. We had a
very nice conversation. She was very gracious, and it was
a conversation that she acknowledged should have happened a much
long ago. And it was a great It was a
great conversation and it was water under the bridge, and

(14:38):
it was probably some closure. I'd probably even thought I
I needed the time, but she certainly validated a lot
of things I had always thought and kind of acknowledged
and admitted. And it was it was nice to finally
hear so and her and Sea are done. Yeah she's dating,
So that's probably why she was able to finally have
that conversation with you. It sounds like it, but it
really kind of piste me off the sense of yeah

(15:01):
I can I told her this. I was like, dude,
like I went away and it's like, for some reason,
you've painted this narrative for three and a half years
that I was like some sort of prior to you,
when in reality there were stories that she too like
it was like quite the opposite. It was like, um,
and so again she was gracious and kind of things
that she admitted and acknowledged, and I was like, well,

(15:23):
I'm not great. You know. It's like I know I'm
not crazy, but thank you for acknowledging I'm not crazy. Um.
I think I think people's own insecurities can kind of
get in the way of you know, yeah, yeah, that
can happen. So so what are you doing now? You've
done all this bachelor stuff, You've done everything under the sun, Like,
what what about Nick? Now? And moving forward? About now?

(15:45):
What about I like that? What about Nick? Now? It's
a good show? Nick Now? I have named my podcast
now you should have the vil Files. Nick Now. I
have a podcast. It's called The Vile Files. It's Uh,
that's going well. Seen people seem to like it, seemed
to dig it. Jan is going to come on. I
am super pumped about that. What's the topic of conversation.

(16:08):
It's a lot of dating focus, but it's not I'm
just going to grill you about what is it? Like
you know, because you you I don't think you go
you need to go a little deeper, like there's something
deep rooted in you. Yeah, don't you have you listen
to podcast? I don't know. Well, are you talking about me?
I don't care. No, but I mean you haven't listened
to this, probably exactly, but no. Um, like I feel

(16:30):
like you like there's something that you're trying to find
and in myself. Yeah, you want to put me on
your couch, so to speak. Okay, Um, we do a
lot of dating stuff. It all kind of stemmed from
my questions with Nick that I do on my Instagram
and so fans will call in and with a lot
of dating questions, sex questions, Well we'll dive into it.
We cover the Bachelor when it's on Bachelorette rather for

(16:53):
a little bit. No, we're just gonna talk about life
and you know, so he's doing oils now I also
have also oil company that jan is all about essential oils. Well,
she now has USD organic essential oil blends from natural habits. Yes,
and can you because Michael doesn't. And I really don't
know what they're doing either, but I just know that

(17:13):
I've been told they're good for I'm constantly diffusing around
the house and then I'm how what do I do
to Jay's? But I'm doing it wrong. I wish people
would see like before It's like she's blessing Jay's before
he goes to bed with essential oils. It's like on
his forehead, on his feet, like behind his ears, and Jenny,
you want to be careful, uh, depending on the essential

(17:34):
oil and the quality of the oils. Essential oils have
medicinal benefits and they're very potent in a great way,
but you do want to be careful by putting pure
essential oils directly on your skin and children's skin because
they have sensitive um. If you're gonna put essential oils
on your on your skin, you wanted to loot it
with a cry oil. Essential oils does that with their

(17:54):
roll ons already. So we have the pure essential oil
that you put in a diffused it or you went
on put into a couple of few drops under warm
back and you can get the aroma therapy that way. Um.
And we specially we blend them already so they're already blended,
so they have specific like you make me a baby blend,
I want to mean a baby blend. So another company
which I won't name because we're promoting yours, the level

(18:14):
marketing company called Young Living. Oh yeah, man, they have
a get not us dr again, but they say this
for baby like gentle baby sniffle ease for the kids.
I mean, that's all marketing in a sense, but we
try to focus on the actual like benefits. And you
know the thing about the Essential oil company, sometimes it
gets a bad rap because central oils can be very

(18:34):
beneficial for you, right, they can have a lot of
various benefits. But sometimes because I think my husband's we
have like the center blend is it's specific. It's blends
of various oils to help reduce and um headaches. So
if you're prone to headaches, you would diffuse it in
your house or roll it on the and the roll
ons and well, if you have a headache will help

(18:56):
reduce it. And if you are prone to headaches. It
will help you not at them at all. Our release
is great for winding that at the end of the
day are going to sleep. It helps with anxiety. That's
why I started using essential oils. You have anxiety to
very bad. I have terrible anxiety, So I would use
the release a lot. The rise of something you'd use
in the morning kind of gives you a little uh
mental clarity. UM focus, you know, kind of gives you

(19:16):
some energy boost of energy. You use them all through
the fusers. Mike a warm bath if you ever bath up,
I'm a big bath. How did you put a few drops?
And our protectives for immunity boost with UM so the
the blends that are already in there. And so if
you if you call which one I put on any well,
I mean, like I don't think your baby gets headaches,

(19:37):
and maybe not that. I think the protect would probably
something I would put on because it helps boost their immunity.
You can put the UM release on there for sure. Okay,
why do you have anxiety? Why don't I have anxiety
and put it on you? When you put it on
a baby, put on the bottom of your feet, they're temple.
That's one of the many locations. It's diluted. It's diluted

(19:58):
the roll on UM so are it's safe. But you know,
if you want to be extract cautious, UM sample it
and if they don't have any type of reaction. But
what differs you, guys from all the other essential oils, Well,
the biggest ones. We are U s D Organic certified,
which in the essential oil space is unique. We're not
the only ones, but we're one of the few. UM.
A lot of companies will call themselves add percent pure. Uh,

(20:20):
some kindanies will call themselves therapeutic grade. That's it. If
you google it, it's made up designation that's not recognized
by any official third party in the U s D.
A UM has qualified our oils is organic because of
the farms that we source for oils from and they
have no contamination or wrote off or adulter ins or
fragrances or alcohol that we put in them. So an

(20:40):
you really think it's helped your anxiety? Yeah? Absolutely? Is
it just in your head? No, it's absolutely not your
head when it comes to essential oils. It's listen, it's
it's something. It's one thing I used to help with
my overall mental emotional and physical well being. Exercising also
helps my anxiety. Eating right also helps with anxiety. Staying
off my phone, it's one thing that helps me. Um

(21:04):
the center Blend. It helps me with my headaches sometimes.
Have I ever still taken an idear hero thin because
my head is so bad? Sure? But this has allowed
me to take less medication for anxiety or head aches. Uh,
I don't get sick very often, you know, in terms
of using it to boost my immune system and so um.
Also just keep in mind too forgetting about that. When

(21:26):
you are talking about essential oils. Do you use candles? Jenna? Probably?
You know? Do you want to know goes into the candle?
What toxins lead, paraffins, egens like uh, I can't even
pronounce some of them. They're terrible. Canary and coal mine?
Have you ever heard that story? I know, canarian a,
cole mine, West Virginia coal miner. Are the candles all

(21:47):
bad though? Pretty much? Well? I mean candle, you're still
burning it? I mean you can There are really yes,
there are some kind of are really or yes, aesthetically
they're great, sure, but those are like a hundred and
fifty dollar candles. But most candles you're spending bucks on
have in they're colored their chemicals, and you're setting it

(22:07):
on fire and you're breathing it. How much of those
malone candles? I don't even know how much do they cost?
If if they're if they got bad stuff in them,
then I'm gonna really do an uproar because those are expensive. Candle?
How much like bucks? A candle? A candle? And now
how long if you burn it nonstoff? How long will last?
A couple of days? Couple days? Well, an essential oil

(22:30):
blend is around fifty bucks? And so how much is
this set that eighty eight dollars? And then all right,
now are blends are forty dollars? They're usually fifty six?
But there right now? Okay? And then where do the
listeners go? Dot com and follow Instagram? In natural habits?
But yes, carry in a coal mine. Uh. Coal miners

(22:52):
would carry canaries into a coal mine to make sure
that the air was safe because birds in general have
sensitive respiratory systems, and if you put a bird heard
specifically canary, next to a candle, they'll have you tested. This. No,
it's just like a feeder. It's just a fact. My
point is is this for all the people who are
so worried about what they're breathing, and like your plugins,

(23:14):
your glade air fresheners, also all chemicals and synthetic adulterants
you're putting in your air and your skin and your
respiratory system is when your largest organs and then all
goes into your blood. So before you start burning a candle,
when you too want to make some love and have
some sex, set the mood right, light some candles, blow
it out. I'll be fine, but don't fill your indoor
air yourself with um. Diffuse them instead. Do you have

(23:36):
a diffuse in every room? I do? Actually, I mean
I own the company. So I have two black ones
in a white one in my house. Can we get
some more of these for that? Like? How like how
should we have it in in a house? How many
should you have? Should you have one about four to
six square feet? So this would be Jolly's room, rolly room. Ums.

(23:56):
Two settings where you have a set setting where constant
stream last about four hours, and you have one where
it will look um kind of intermittence. We have one
of these that look the exact same one just doesn't
say that in the bottom I don't know. I got
it from I think a different company, but same a
lot ceramic and it's sup stone diffuser and it lights
up if you want. All right, so n h oils

(24:18):
dot com. Nick, You're awesome. Good bye. Hiring is challenging,
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(24:40):
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(25:03):
our listeners can try zip recruiter for free at zip
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(25:24):
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(25:47):
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(26:07):
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one nearest you at sleep number dot com slash Janna. Okay,
so we have another fun guest, and this is going
to be interesting just because we've had many discussions and

(26:30):
arguments around finances, which I think every couple does. Yeah, right,
I mean that's one of the major stresses in life.
Mm hm. I mean we even had an argument this
morning about about the tension around the money issues because
we were playing Alexa and Jolie wanted to watch TV,

(26:51):
but it was like, you need to subscribe to whatever
and Michael goes, sorry, Jolie, we can't afford that, and
then I said, yeah, because Daddy spends our money, like
I was saying it in a joking way, and he
got you, what's so upset about. It's been a sense
of thing recently because our whole situation with although iPad
game and all that dumb stuff. So it was just

(27:13):
it felt like a jab in the moment. I was like,
are we over this? Because I'm not really receiving this
as a joke, even though that was your intention, right,
But I didn't know because we really haven't completely settled
it as all right, this is we're done with this.
It's in the past. There's no animosity. Let's move on. Well,
now we gets talked to a financial expert. His name

(27:34):
is David bach Um. He has nine New York Times
best sellers. That's pretty Yeah, that's impressive. Oh, this is interesting.
So basically, the latte factor explains how the money we
waste on frivolous things. So the Hulu subscription you never watch, um,
the latte that has become the habit and isn't even enjoyed,
so the bottle water and so on that you don't
even um. Basically, all those things that you can save

(27:57):
on can make you rich. So, for example, if we
don't have certain subscriptions that we don't use, but who
may think we use And that's a great, a great question.
I have a great question around that. But also I
have something to say. I was thinking this the other day.
What are your thoughts on when we get to the
Nashville house. I would really like to cut out plastic
water bottles, so we like I buy a case of water.

(28:24):
You go through it in like two days because you
drink so much water. I do drink a lot of water.
Here's my problem. You can even tell the difference between
Arrowhead and Essentia. You can tell. The people will say
you can't taste the difference. I promise you when you
drink a water, we'll get the best filter money can buy.
If we can get the filter that goes through the house,

(28:47):
then yes, refrigerator has a filter. No, but those are
not good filters. What's a good filter? What is it?
What is Essentials filter? What do they use? They? I
saw the thing on YouTube. Let's reach out to Essentia.
Let's hey give us your patent technology Instagram the other

(29:09):
day just to try to get a free bottle. No
luck yet, but I'm working on it. Um No, but
I just there's a lot of things like lead in water.
Right when you need do those tests. People can do
the tests of what's in the water, and water can
be very bad. And that's in order for it to
be as much water for county to allow it to
be drinking water, it has to pass certain tests and

(29:31):
all of that. Okay, Flint that with Mike on this one.
Tap water is just fine. I will say this. There
are parts of the country where it's not so fine.
But Nashville, I'm sure has fantastic tap water. Yes, okay,
so up North Michigan we have the best freaking water ever.
I mean to the point where my mom used to
bring home jugs like milk carton jugs of water. But

(29:53):
you can taste the difference between a britta and essential water.
I promise you same amount. Michael. You even sat there
and you go this taste like lake water when you
were drinking, because I had just taken a sip of
ascension and just taking a sip of a lake arrowhead
local water. And what is the reasoning that you want

(30:14):
to get rid of the bottles? Because? Is it because
the waste or because because we're We're right, but we
do go through a lot. And just from a cost standpoint,
like we're like where we're about to where we're about
to talk about with David back, is I feel like
maybe that's something where we could cut cost because we
buy so much because we drink so much water. All right,

(30:37):
that's an idea. Okay, fine, I can cut that. That's
huge for me though, you know, that's like I'm not
saying we have to. I'm just saying it just it's
a thought. She's setting you up. Now, she's saying that's huge.
Now she's gonna go back for you to give something.
It has I think you should not golf ever again. Um,
excuse me. Can we just give me wife points? Because
I was going through the checklist with you last night. Yeah,

(31:00):
I have the I have the best wife ever. Because
I ripped out this page and like a recent Golf
Digest top hundred public courses in the country for two twenty,
and I told her, I was like, you know, this
is kind of like my new bucket list. I want
to be able to cross off every one of these courses.
And she's like the only wife I would know that.

(31:21):
Like last night, yesterday, we're in Vegas and I went
and played Shadow Creek, which is probably the most beautiful
course I played to date, more than Pebble, even though
Pebble's number one on the list, And she was sitting
there like next to me, crossing off she and she
was like, you know later, you know, next month I
have to go to organ. Maybe come to Organ. Here's
something organ And like trying to logistically plant it out
with me, and I looked at it like, you're like

(31:41):
the coolest wife ever, because no other wife would do this.
Every other wife would be like, why are you going
to do that? You're gonna spend money, this and that.
So if it's something that you enjoy and it's an
outer circle, you know, behavior, Yeah, it is my number
one thing for me. So I appreciate that, right, and
so don't take away my water. Kid me by water
water bottles. I mean, if you can get the essential

(32:04):
filter mark, what do you do? Can you like Google
like how to get the best filter? Because I water like, no,
it's not. If you drink a vy On water, it
tastes like lotion. And I promise you if we get
an evy On bottle right now and you drink Von
versus An, essentially you can taste. I would like to
do a taste test with you guys on water, different
bottled water. Next week. We'll do That'll do That'll get

(32:29):
a million percent. Know Evon literally tastes like lotion. It
is very curious if if your palette is that sensitive,
you could tell the difference. Yes, you can, think you can.
So you're could you do a hydro flask out of
refrigerator and live on that. What does that mean? You know,
the big hydro flasks, the big heavy things that everybody's
carrying around right now, Tony's got a hot pink one. Well,

(32:51):
I have a new line coming out and I'm creating
my own technic. There you go. So that only drink
the water out of the refrigerator, which is filter want
to be digit water. I don't like. I don't like
refrigerated water. I do drink only room tip because cold
water is not good for your system. It's not she's
been Okay, she's been trying to convince me of that

(33:12):
since we started dating. Let me just google it right now,
but I will tell you that it jump starts your
system in the morning. It's not good for you. But
it's not as cut and dried as that cold water
is bad for you. It's not bad for you. Wait,
it just says there's no evidence that drinking cold water,
according to the Indian turned Well what I've been told. Okay,

(33:35):
time out. Now she's going down the rabbit hole where
she's gonna search, search until she finds what she wants
to see. Drinking cold water does have its benefits. Okay,
Oh wait, I don't want to read that. Um, it's
just not as simple as it's bad for you drinking.
I will say to defend Janna with the whole water
thing is there's two things that Jana splurges on, that's

(33:58):
wine and water. So if she really puts up a fight,
I can. I'll just do my part and me and
the kids won't have, you know, water bottles and if
the if the if you thank you, Mark, that's the
kind of guy I am. No, I will say, I
agree with you. We have a ton of water bottles
and I need to stop with the essential. If we

(34:19):
can find a filter that is good, and I know
that's good for me because sometimes we forget to change
the brittle filter. It's been it was like seven months
and we just changed the brittle filter. That's another exaggeration,
but anyways, but I'm just saying, if we can just
make sure because I mean, even our refrigerator filter. I
know we should stop talking about this because who cares,
But like we don't change the filter, and then I'm like,

(34:39):
I get I don't even like people drinking my water
because I wanted to be clean because it grosses me out.
She won't let me take a sip for a water Bottleney,
Can I just have a SIPs? No, I'm like dying.
I can be dying in the desert. Nope, I'm doing
better now I'll let you know because now that Jolie
does so. Anyways, So okay, water? What else could we

(35:00):
cut out on for you? Bread? Tell our daughter that? No?
I mean, what's what's what's spends? Want? We don't really
do Starbucks? We don't really. I mean, what else? Smart?
What is your TV situation? What subscriptions? Do you have
all the subscriptions? We don't. We just have enough Flix

(35:24):
all the movies now we don't, but we have all
the movie channels. Oh so your cable bills? Pretty asterna
cable bills because we cancel cable and that's saved its
a good hundred bucks a month. Should we cancel cable?
What do you do for sporting events? Who do Live? Okay,
I'm right this. Who do Live gives you your local channels.
It sounds like we've just transitioned into a commercial But
we have your local channels and live a whole bunch

(35:47):
of cable channels. Live YouTube TV does the same thing.
It's personal preference. I prefer Hulu Live because it's fewer
commercials now and I'm very happy with it. And if
you use code East dot com and you get nothing,
get nothing, it will say invalid. Michael Haytes duk TV.
I think we're getting what in Nashville table we can't have.

(36:10):
We can't have satellite dishes hanging on our house in
the New neighborhood. Are you getting You're getting Comcast Spectrum.
I'm not sure what they do, but Spectrum has it
now where you can just stream your cable through them
and it's tons cheaper. You can pick your cable channels.
You can do it all a cart that's p I
like that because it's either with directs that you have
to buy all the movie channels. Okay, so there's that.

(36:31):
We don't spend much in that. We have all the
channels from She watches like the local channels like seven
ABC and all that stuff, and then I'll watch the
ESPNS in Golf channel and then nothing in between like
two D two until like five or anything like that.
You're not watching the LRA network or so whol live.

(36:54):
There you go. It's got your networks. All your shows
are on demand without commercials. If you pay the extra
five bucks of my for the code for this. ESPN
and the Golf channel are on there, because that's my
dad watches when he comes to visit, and it's streaming,
and it's thirty five dollars a month, maybe forty with
the ads fifteen bucks extra. You got HBO. What about
Thunderstorms it's streaming. Oh, that's only satellites like direct TV.

(37:19):
But is the NFL sendy tickets still exclusive? Hey, I'm
not sure. I think it is exclusive. I think it is.
I just love how we go real deep, like last episodes,
like super Deep, we're talking about like sex addiction. Now
we're talking about Hulu Live subscription. This is going to
touch more people than that, Probably more people A canna
be stacking their heads, see honey. Yeah, Well it is

(37:40):
a dilemma. Everybody's dealing with it right now. There's so
many services and scribe. I don't want to know the
best one to save us money for what we watch
because we really don't watch that much TV. That's a
good thing to sit down and figure out what you
can come without. So TV that's good in the middle.
One on demand we're really bad at We're terrible on demand. Yeah,
that's bad. But at the same time, though, I mean,

(38:02):
we don't not anymore, not any more because the kids
did I mean watching movies and on top of everything else,
you're paying a month for TV. Yeah, that's a good spot.
I mean we we. iPad games aren't no more because
we basically you're non existent. They're not existent because I
blocked the in app purchasing on Michael's iPad, so he

(38:24):
now does not have he doesn't have your parenting code.
But here's the deal. I gave him three don't worry.
That doesn't make me feel like I'm a child. But
could you do it without it? No? I gave you
three choice. Still couldn't. She didn't tell me that it happened.
You told me to, and then you said I shouldn't

(38:47):
have to. I said, you're right. So I was going
along not buying anything. And then and then he went
to go buy something. No, it accidentally like I was
trying to click out or whatever and accidentally try to run,
you know, because dumb print, even if you try to
click out of it, it will reach your dumbrint try
to purchase, and then it comes up and tries to
purchase as in that purchases have been turned off this mother,

(39:11):
I'm sorry, and for all the people that are just
catching up and they're like, oh, you're so mean to
your husband. If your husband spent over ten tho dollars
and thousand dollars, the number increases every time. Well it's
it's around six thousand. That's only for the few months
that I've checked. So what game costs six thousand dollars? Yeah,

(39:32):
you don't want to get into a share because it's
exactly thank you very much, be your wife be blocking that.
And then I and then I brought the you know,
the situation that was just one month. You know, if
I was if I had if I was playing video
games again, like regular console video games, this isn't part

(39:52):
of that. You don't have to have in that purposes.
You buy the game once and then that's it. And
she was like oh really. I was like yeah, She's like,
m maybe we can talk about I think that's a
bad road to go down. I think video games are
an addictive thing. Because I'm a victim of that. There
are no video games in her house because I cannot
stop once I start. Yeah, I definitely used to be

(40:14):
that way. I think now it's like even Janna, like
you know, she she would if we had a serious conversation,
was like, honey, I really enjoy this. You know. I
know in the past it was triggering because of our
own issues. And just so people know, so this isn't
just Jenna coming from a place of just authority or whatever.
It's yeah, I don't want people just to think you're
coming down on me for no reason. In the past,

(40:36):
I would always express to Janna like my only vice
is video games, like I just want to play video games,
when really I was doing other things behind her back,
which were you know, the affairs and stuff like that.
So that felt like the curtain for my behavior. So
Janna kind of correlates to two and so I empathize
with that. So I understand why, which is why I

(40:57):
took a hammer to his advices to my that's right,
So I so I understand. So just so people know,
I don't want people to get on you for no reason.
So there's something behind that. That being said, if we
want to have a real conversation, Janna would be willing
probably to be like, Okay, we'll talk about it, but
we don't have time. I don't have time yeah, I

(41:18):
have no time. No. I mean maybe if we get
on the better schedule with the baby, maybe when the
kids get older, but I just want to golf. So anyway,
let's take a break and we'll talk to David back
when we come back. So you spend a third of
your life and sheets, so it's about time for a
betting upgrades. So this is a true story I want
to tell you guys about. So we changed our sheets

(41:40):
in our bedroom and Michael gets into bed and he says, honey,
these are the most amazing sheets ever. What are these?
And weird you get on It was like, um, these
are brook Lennon And it's funny because their tagline is
these really are the best sheets ever. And that's exactly
what Michael said. They're always sleeping now because they're amazing.
So Brooklyn and Sheets are named the winner of the

(42:00):
Best of Online Bedding category by Good Housekeeping. They were
founded um in early two thousand fourteen by husband and wife,
which is super sweet. And we just picked out a
pair for each of the bedrooms in Nashville because we
feel spoiled when we sleep in bed and we want
our guests to feel just as comfortable and of course
our kids too, so like we said, they're the most
comfortable we've ever sleeped in. So now it's time for

(42:22):
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(42:44):
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went perfume shopping, I end up buying a big bottle,
but then I ended up really not liking it, Like man,

(43:04):
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(43:27):
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(43:49):
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So let's let's figure out where we can had some stuff. David,
are you in the line? I am sorry about oh
don't be sorry at all. Um, it's Jane and Mike.
Hi David, how are you doing? Hi, guys, I'm doing great.

(44:09):
We're really excited to talk to you because, like I
think probably every married couple, we've definitely had our um
financial arguments, um, which I'm sure obviously you are an
expert too, and so that's why we're super pumped to
talk to you because you are I feel like you're
kind of like the guru for all things financial. Well,

(44:30):
thank you, you're welcome. Um, So the Latte Factor that's
out now, right, Yeah, this book just came out last week. Congratulations,
thank you so much. We're so excited. It's really just
like taken off. This is my thirteenth book. So it's
been really fun because this is the first book I've done.
It's a story, it's not a classic non fiction self

(44:54):
help financial book. And people really reading the book like
from you know, in one sitting, and it's having such
a profound impact on them that they're already going out
and buying four or five, six, nine copies and giving
them out his gift to friends and kids for graduations. So, um,
it's been an amazing way. That's awesome. Congratulations, that's so

(45:15):
cool and what would what would you say as like
the log line for the Ltte Factor the log line
on that phrase before um, If I were to give
you the the three minute story of The Latte Factor,
it's it's a story about a young woman named Zoe
Daniels who's the Millennials. She's twenty seven years old. She
works in Brooklyn and she's been living in this She's

(45:38):
been working in the city New York City now for
six years and has her dream job and is actually
making more money every year. But at the end of
six years, she sort of looks up and realizes that
she's still living paycheck to paycheck, that she still has
student loans, and that she's not getting ahead. She's renting,
and she's starting to question if all of the hard

(45:59):
work that she is doing is ever going to lead
to anything even remotely related to financial freedom, because she
doesn't feel like she's living her dream life at all.
And so she goes on a journey where she starts
to think about where is her life going and she
meets mentors, starting with a woman named Barbara in her

(46:19):
office that began to teach her how she can basically
be financially free and go for her dreams and ultimately
be rich, and how it can be as simple as
starting by saving five to ten dollars a day. And
so she's taught this metaphor h called the Latte factor,
which is a way to look at where are you
spending money and then learn how to redirect that money

(46:43):
to putting herself first. She learns how in this little
short book, the Little Story, Little short of Story, she
learns how to do what's called pay yourself first. And
she's really taught that's critical at a young age to
becomes financially selfish, to put herself first, and learns how
to do that, you know, not through budgeting, because she learns,

(47:05):
you know, budgeting doesn't work, and how to do it
through automation, so the money that she's saving is saved automatically.
And finally, like two learns you know, the two critical
lessons of wealth, which is that she needs to also
own real estate. She have to own real estate and
you have to own stocks because those are the two
primary escalators to wealth. And finally, by the end of

(47:25):
the book, she really learns how to go for her
dreams and learns that you know, money is a tool
to three her to live her best life. And at
any age you can start to go for your dreams.
So that sounds awesome. I want to read act what David,
What inspired you to do it in this format of
more of a storytelling than you know, educational life, you know,
kind of help? You know. The honest answer is that

(47:48):
with seven million books out, I've had nine consecutive New
York Times bestsellers on money and and that's incredible and
I'm so grateful for that. But but I've been frustrated.
I've been frustrated realizing most people will never read a
financial book. They may even buy them, but they won't
always read them. And so I just started really over,
you know, over ten years ago, asking myself a question

(48:11):
which was, how could I package would people need to
know into a really short story that anybody could read?
You know, we even start like starting as a teenager.
And so I my personally, my personal life, I've been
very impacted by storybooks like Who Moved My Cheese one
of most all time classic business books by Spencer Johnson.

(48:32):
Um The Alchemist by Paula Quelo is another book that
really had an impact on me. And so I started,
you know, asking myself the question like, how could I
take how could I create a story that would especially
inspire young people to learn the lessons about money they
should have been taught in school and they never were.
And then anybody could get through in an hour to

(48:53):
ninety minutes. And that's what's happening with this book. This book,
you know, the thing that was probably were the most
exciting for me. I have a fifteen year old who
has never read any of my other business books, but
he read this book cover to cover and read it
on a plane flight and he turned to me at
the end of two hours and said, well, Dad, this
book shows how you can become a millionaire starting at

(49:14):
nineteen and I'm only fifteen. So if I do this,
I could become a multi mulpen. And I was like,
you're right, you could. He's like, well, then let's do this.
Let's set up a retirement account for me. And so
now fifteen, he wants to have a raw th ra A. Well,
I couldn't get him to read any of the other books.
I couldn't get in Blake. So I think stories have
a profound ability to change people's lives. And it took

(49:35):
me ten years to to go from an idea to fruition.
That has to be extremely rewarding for your son too,
for it to hit him like that and be that
into it. You know what, I gotta tell you something.
It's like the most rewarding thing I need that's ever
happened to me in my career. And I have two sons.
I have a fifteen year old and I have a
nine year old. And the nine year old when he started,

(49:57):
when he heard his older brother all excited it about
this book, and I'll motivated. She turned around and said, well,
I want to read it. So he's nine, he's halfway
through the book. Happens to be I'm actually, I'm actually
doing this with you, and I'm in my son's room
right now. The book is by his bed. He's nine,
he's read half of the book. He's told the teachers

(50:18):
about it, and he already gets the fact at nine
years old, that the lock factor is a metaphor that's
not about giving up your coffees. Because he said to
me the other day in the kitchen. You know, Dad,
I don't have a lot factor. I don't drink coffee,
he said, but I have a v buck factor Now
for those who are listening who have no idea what

(50:39):
a v buck factor is, that those are the digital
coins you need to use in order to buy things
inside video games Minecraft. And so he says to me,
I have a v buck factor and then he goes, Wow, Dad,
I wish I had all that money back that I
wasted last year on v Bucks, because if I could
put it into these investments, I could have a whole
lot more money. Later, hear you on that because my

(51:01):
husband spent so much money on those iPad games, and boy,
I'm like you just you literally just peeped all that
money away into the universe. And I'm like you, honestly,
when we talked about it, I was like, you could
have bought your motorcycle with all that money that you
spent on your in app purchases. And it's just it
makes it makes me sick because we have I think

(51:23):
we have a very different um habit with I guess spending.
And so it's hard at times because I'm like, that
money could have gone to your motorcycle, or could have
gone to this, or it could have been to our house,
or could have gone to Julie's you know something. And
I don't know, it's just it's very It's like what
do you do with that? How do you go to right?

(51:43):
Like and go you in the in the Lawe Factor,
what's happened? Like Joe Daniel, her dream is she wants
to chance to travel. She's ironically she's a travel writer.
She worked for travel magazine in the book, and she's
never traveled. She doesn't even have a passport. And and
as she's these mentors, they start to point out to her,
like the amount of money that you've been spending you

(52:04):
you know, if you just saved it for two or
three or four months, you'd go in your first trip.
And she also wants to be a photographer, but she's
not taking pictures, and they and they start to say
to her, like, with this amount of money that you're spending,
you could start taking pictures, you could take you could
go take a class on how to be a photographer.
So a big part of the lessons, like when you're
talking about, is most of us are not consciously thinking

(52:25):
about how we spend our money. But the problem with
that is everybody is consciously thinking about how to take
our money. So like those video games that you play,
they're designed to stuck money out of your pocket, right
that that's that's what they're intended to do. Everything that
we do on social media in between seeing our friends,

(52:47):
is an ad designed to separate us from our hard
earned dollars. And we live in a world today where
we can just be on our phone and then five
seconds later click on something and spend money. It's never
been easier to spend mean unconsciously, and so the core
message of the Latte factor is actually looking at what's
most important to your values, your dreams, and then consciously

(53:13):
spending money to get you closer to those things. So
what do you do when like there is there is
that difference in spending in a relationship, So like how
do you Is it just you know, does someone have
to bend obviously? Like what do you to to keep
that money? Is it just where is the middle ground? Yeah? Yeah, So,

(53:34):
by the way, I've been where you are. I've been
in a position where I've fought about money with my wife,
and years and years ago I wrote a book called
Smart Couples, Finished Rich, where interviewed couples that didn't fight
about money and became financially well off. And we're still
married and still happy and still in love. And so
here here's what couples of co are successful at dealing

(53:55):
with what I would call the money compromised too. The
first thing is you need to agree on a pay
yourself first goal, a number you start with. You know
someday you're gonna want to have money for the future,
and you need to agree in order to do that,
you have to pay yourself first. So what percentage of
your income could the two of you agree to take

(54:17):
off the top and pay yourself first? I would tell
you it should be least ten percent of your gross income.
But the two of you should talk about that, Like,
let's agree on that so that that money is taken
right off the top and put away into a retirement account.
That's number one. Number two, let's agree that. Well, let
me ask you a specific questions. You guys have children. Yeah,

(54:38):
we have two kids. We have a five month old
and a three and a half year old. Okay, so
do I don't know, do you have an insurance policy
to protect you in case one or both that you
die right now? So that's done, so you're taken care of. Like,
because there's all these questions that like couples need to
think about, like is your family protecting Great, you've got
the will, you've got the insurance, so that's good. So

(54:58):
then it's like who else the size retirement? Could the
two of you agree on that you want to save
money for that you could both be excited about. Well
Mike wants his motorcycle college for our kids. Well no,
but he's saying like that's already set up, you know,
like our retirement is insurance. Yeah, yeah, yes, yes, we

(55:21):
do have that set up. Look at you guys, you're
doing so much right, So we're good, honey, that's spend spence. No,
but we did. I will say this though. I did
send an email to our business manager, which is very
huge because I have a very hard time talking about money.
It makes me very uncomfortable. Um, but I I I said,
I set a meeting for when we're back in Nashville

(55:42):
because we're moving to Nashville, you know, and hopes to
save money and you know, from not in l A
and basically where it's like, Okay, how much are we
spending a month and where can we not overspending the months?
So it's like, so we're not spending crazy amounts of
money and we're able to try to save and then
put into those investments, you know, portfolios that we have. Um.

(56:03):
I think that's like kind of what you're saying about
figuring out like what's kind of left and how to
like pay each other out. Yeah, And I mean you see,
you have a business manager, so they should be tracking
where your money goes. But another thing the two of
you can do is you can also like put an
app on your phone that will prap where the money
is going, so like mint dot com or clarity money
dot com tracking where the money goes. It is a

(56:26):
really useful thing to do, especially when you're a couple.
You can kind of get the end of the week
and go, you know, where the money really go. Once
you see where the money is going, you can start
to really think through like do we need all these things?
Are there some things that we could change that we're doing? Um?
Because I think the most important thing as a couple
just to work as a team and don't let the

(56:49):
money fight fester, Like the moneys fight usually are over stuff.
And I always start to get couples to focus on
the bigger picture, which are your values and your dreams,
your goal Like a smart a couple of finish churches.
Basically you can read. Honestly, you can just take that
book and read it and you can sit down with
the financial plan or do it yourself. Write down all
your goals, write down all your values, and work on

(57:12):
it as a team. But the kids that you want
to work at it as a team, because you don't,
the fights will continue. How do you determine, David, whether
it's whether you're a married couple or an individual. You know,
you talk about um focusing and prioritizing and things that
are important for you in your life and your well being,
but how do you you know, I feel like people

(57:33):
I know myself just from my personal experience. You people
can find a way to rationalize or justify something to themselves.
Would have come to purchase. Okay, yeah I should give
up my coffee, but I really need my coffee or
I really like my coffee. Like, how do you determine
really the hierarchy of of what's important and what you
can cut on? It's such a good question. Um, here's

(57:56):
the thing that's so hard for for some people, not everybody,
but for some people. Ball it's to imagine your life
twenty and thirty years from now. And the amazing thing
about money is that well that not even money. Time
you blink your eyes and you're twenty years older, right,
Like I remember being in my twenties and we had
you know, I was I was a brand new financial

(58:17):
advisor and I was in training and we had a
sixty one year old financial visor was getting ready to retire,
come and speak to my training class. And he showed
us his chart. It's absolutely the back of the book.
It's the first chart in the back of the book,
which is about the Camp Miracle compound interest in starting early.
And he said who in his rooms twenty six and

(58:38):
a bunch of us raised her hand. He said, you'll
just say five dollars and forty one a day, you
can have nearly a million dollars by the time were
sixty five, just two thousand dollars a year, and I
are a county ay six. And he said, to you, guys,
how many of you going out for a drink after
work tonight? And so we all laughed and we all
raised our hand because that's the first thing you do
after a training class. And he goes, just have one

(59:02):
less drink tonight, because because more than five dollars to
have a drink in Manhattan. But he's like, just have
more less drink and then go back to the office
and funds your retirement account. He goes, because I'm sixty
one and I'm retiring a multiloying her. I'm out of here.
I'm done. But I can tell you this, most of
the guys in your office right now, when you go
back to your office and their fifties, they're still broke

(59:22):
and their financial advisors, which he goes, is pathetic, but
he goes because most financial visors don't do for themselves
when they do what they do for their clients. And
he said, so all I can tell you is at
whatever age you are in this room right now, you're yourself.
Ten years from now, he's gonna thank you for having

(59:43):
made a few changes to save more money. And they said,
in yourself in twenty years and thirty years, is really
gonna thank you, because he says, you don't know it
right now, but you're gonna get tired as you get older.
You're not going to have the same energy and the
same hunger and the same as typically and you're gonna
be really happy to turn around your fifties and your

(01:00:04):
fifties and have a bunch of money and some of
the stuff that you're gonna need to give up to
get there. It's just not that big of a deal.
And that got me, That got me to start investing.
I just did an interview right before you with People
magazine and the one woman interviewed me fifty nine, and

(01:00:24):
she was reading this book and she said, you know,
I love the book. I'm I'm super emotional right now.
She's like, I just wish I had seen what was
in the Latte Doctor when I was younger, because it
seems like it's too late for me now. And I go,
but it's not too late for you, fifty nine. Not
too late, But you have to get started today. Like
you can't spend time worrying about money. You have to
go to work on your money. And then you have

(01:00:45):
to get your money to work for you. And what
do you mean when you say that, Well, so most
people have a whole lot of money to have money
to have in the bank account, right and a bank
account earns nothing, maybe earns one percent, So money doesn't
grow at one percent. Take seventy two years for your

(01:01:06):
money to double. At one percent, you'll be dead by then,
so money has to grow at a rate that's five
percent or higher. And in the lot you've got your book,
you know, the mentors go through the different ways to
make a higher rate of return, talking about from bonds
to stocks and the first five portfolios. And like I
was just talking to somebody else who was on the

(01:01:27):
phone with me, and they were like, how can you
make ten percent way to return? I'm like, last had
the SMP five hundred. The stock market is done for
the last twenty five years. If you if you just
went to van Guard and looked up the SMP five
hundred funds, that's an index fund, you'd see that since
inception the fund is earned ten percent annually. Now there

(01:01:48):
have been years it's done better and there's years it's
not worth but ten percent rate to return your money
doubles every seven years. And if you don't want to
take the risk of being all on the stock market,
you can have a boring, diversified portfolio and those of
average So you've got to get your money to earn money.

(01:02:08):
And what when people go, I don't how do how
does compound interests really work? What happens over time? Like
in a couple of decades. Is that your money just
starts making you a whole lot of money. It makes
it while you sleep. This is why when people go,
you know, the rich get richer. The rich get richer
because their money is making them money. The poor stay
poor because what money they have is not doing anything

(01:02:29):
at all. It's making somebody else rich. Right Like if
you have a money in a bank account, it zero.
It's making the people who own the bank rich. So
you just have to do on that. You have to
get in the game of building wealth with your money
versus just having your money sit there. Absolutely, and if
there before we wrap up with you, David, that's such
amazing stuff and I hope the listeners take all that
to heart. What are three areas just off the top

(01:02:52):
of that, just real quick that you know that you
could cut our listeners like where they should cut? You
know where they're Jim coffee, cable subscription, whatever it is, Like,
what's the top three that you've seen people will be
able to cut? Okay, the fastest thing you can do
to cut your overhead is I would download an app
like Clarity Money and take a look at what have

(01:03:14):
you signed up for? Because what Clarity Money will do.
This is a financial app is it will show you
what you signed up for that our subscription fees, anybody
that you're paying monthly, will summarize it. If you don't
want to download a new app, go through all your
credit card bills, go through your checking account, and look
at what have you signed up to pay for monthly?
Because today we have we're paying everybody else besides yourself automatically,

(01:03:37):
so like it could be gym membership, it could be
Apple storage, it could be Netflix, it could be you're
having a box of goodies sent to you. I don't
know what it is, but going through those six expenses
and going what could have change? Because when you change
a fixed expense that's fifty a month a year, and
that's six thousand dollars over a decade. You do two

(01:03:59):
or three of those and you've just found enough money
to start seriously saving and investing. So I look at
the six expensive number one, number two, I look at
what is your latte factor. I would go and track
where your money goes for for just two days two days,
carry pad of paper, spend money like you always do,
write it down and then and then added up like

(01:04:22):
people have done this and they're like, you know, I
really do spend fifteen dollars a day at Starbucks. And
then the question I go, will well quaint? So there's
two choices you could make the coffee. You can don't
buy Starbucks coffee, right like, you could make it at
home for twenty cents. Or if you're not going to
give it up, then you should start to look seriously
at investing in the company where you're where you refuse

(01:04:43):
to stop spending money, right like, if you have an
issue where you use Uber a lot, Uber just want public,
you could own that. You could own Uber, right like
investing what you won't give up. And the third thing
I would say is look at a big find a
big expensive you could change, So biggest expense that people
can change, and were most people are not conscious of this,

(01:05:05):
but it's car expensive. So the average Americans car expense
for a new car right now is five three dollars
a month, and that doesn't include insurance, doesn't include gas.
If you've got storage, it doesn't include storage. So what
I've seen is that many people are spending two to
three months a year paying for their car. And one

(01:05:25):
of the fastests you can do to cut your overhead.
If your two car families go down to one car.
If you're a three car family, for sure, get down
with two cars and figure out if you can get
your car overhead down, because the car overhead is almost
like an expense that we take for granted. We just
assume we have to have a car, and we have
to have a certain sort of a certain amount of
money that always goes towards a car, and we don't

(01:05:46):
really think about the overall financial ramifications. And today there
are a lot of ways to get around without owning
a car. And if you can cut out one car expense,
that can be the extra time. It's a lot of money,
be enough money to help you retire ten years sooner,
if you gave up one car in a family, or
you went from an expensive car to a chupercar. I

(01:06:07):
love that. Um, that's some really good advice. I'm super
pumped about that. And we're gonna I'm gonna go home
right now. I'm like making my list and being quiet
over here making my list of what. Um, but seriously,
thank you so much, David, and we're um, we would uh,
I'm gonna read all your books now because you've got
would you say thirteen. Yeah, but it starts to start

(01:06:27):
with a Latta Factor and your for your listeners, come
check out the website at the Latte factor dot com. Um.
We've got a special big bonus gift thing going on
there with like over five or dollars with a special
downloadable bonuses and things. If they join us, we've got
a special insider team. UM, and that's gonna go for
about another two weeks and then David bo dot com
is the primary website where all the books are listed

(01:06:49):
and you can get our friend news letter there David
Bok dot com. Awesome. Thank you so much, David, Thank
you so much. You guys are so welcome. I appreciate you.
Thanks for having me on UM. That's really good advice. Money.
Just want to talk about money, literally literally just irks me.
I know it does super good, just because I don't

(01:07:12):
I wouldn't want to spend a penny if I if
I didn't have to, I just want to save it all.
I think we balanced each other out though, because you
got like you get so much anxiety at around it
where you would never do anything for yourself, and so
you have someone who is a little bit more loss.
I fear, which to a fault of mine, I am.

(01:07:33):
I tend to be that way. Um, you know, I'm I.
I think I offer you opportunities to to take care
of yourself or to do something for yourself that you deserve.
I try to mean you force me like you just
force me to buy, because otherwise, you know, won't you won't.
All right, let's take an email mark what you got

(01:07:55):
for me. But thank you very much. Jess says, due
to blood pressure issues and being high risk, I'm having
a C section next week at thirty nine weeks, and
it was not in my plan. I desperately wanted a
v back, which I learned is a vaginal birth after
c section. Not until I became a father. I had
an emergency c section eight years ago, and it was

(01:08:15):
very traumatic. I had a panic attack while I was
on the operating table and was screaming and asking if
he my baby was going to die. I was restrained,
had a spinal tap, couldn't feel my legs. I'm a
sexual abuse survivor, and I'm so anxious and so scared.
I don't want to feel that way ever again, especially
when I'm bringing my baby into the world. By the way,
my son was able to heal and as a healthy,
growing little man. I'm an avid podcast listener, and I

(01:08:37):
know that you opted to have your C section, and
I admire your bravery so much. I'm just hoping you
could share anything with me that will help me feel better.
Oh geez. I mean, first of all, I'm sorry that
you have all those triggers. I look. I if you
listen to the episode where I had Jason, I freaked out.
I had a panic attack. I passed out. They gave

(01:08:59):
me have to like to chill um. I was terrified.
I think it's normal, it's okay. The amount of women
I felt so stupid after that episode aired because I
was embarrassed. But so many women have a hard C
section and they freak out. But at the end of
the day, like it's traumatic, but just try to relax.

(01:09:22):
I know it's hard to say when you can't feel
your legs, because I was freaking out and I probably
couldn't relax if we had a third baby. So I
just know that you're gonna be okay. It's such a
routine surgery and you will be okay. And put some
good music on. That's my advice. I mean, There's not
more I could say other than that. I mean, hope

(01:09:42):
that helps. I mean, yeah, she's not alone. Yes, you're
not alone. Yeah, you're not alone. I'm gonna be okay,
and the baby is going to be You. Guys will
be okay, I promise, And doctors have done this thousand
times over, so you will be okay, and we'll be
praying for you. And A says, I'm twenty five and
I've never kissed someone. I'm totally disinterested in online dating,

(01:10:04):
and every time I made a new boy, my brain
screams run. However, I do you have a cross on
her friend? And I'd like to see if we could
be something. He knows me extremely well, but I can't
bring myself to even talk to him but anything of substance.
It's all small talk and laughing. He's just as shy
as me. It's like we're in a shy standoff. I
can feel a connection, but neither of us are willing
to do anything about it. So, guys, what the heck
do I do? Stay single forever? Hashtag one year old virgin.

(01:10:29):
It's okay, just just go up and randomly kiss somebody.
Ask your friend, just be okay? Do you think you
and I could ever be more than what we are.
I just say, make out with him, do it, Run
up and kiss him. Take a leap. Take the leap.

(01:10:50):
I won't jump off the bridge. Don't be scared of
the conversation. Yeah, you guys aren't gonna lose your friendship
by having that conversation. Can I suggest something press I
feel you're both so shy. I'm getting an idea that
maybe you two have similar interests and if that's the case,
maybe you buy two movie ticket to something. And then

(01:11:12):
you pull a thing like, oh my gosh, my friend
just totally bailed on me and I got the actor ticket.
Would you want to go? Because then it's like no pressure,
it's no big deal. It seems spontaneous. And then you
get the idea if he's interested, if he says no,
maybe he's really really shy, but it could be kind
of a spontaneous, organic way of doing something together. I
love that. It's like the best idea ever. And then
you just like slide your hand over like, oh sorry,

(01:11:38):
I love you guys,