October 13, 2025 • 11 mins
In this lively and insightful episode of The Bama Brown Experience, Bama and Puma dive into everything from Monday Night Football mishaps to the wild world of cryptocurrency stunts in Hollywood. But the real meat of the show? A no-nonsense, laugh-out-loud guide to financial survival—straight from Uncle Bama himself.
Bama shares five critical mistakes people make with their emergency funds, blending personal anecdotes (like his surprise $700K 401(k) balance and a presidential buddy’s Chevelle obsession) with practical advice. Whether it’s the dangers of investing your emergency stash in property or the temptation to dip into it for non-emergencies, this episode is packed with real talk and relatable wisdom.
Puma, co-host of The Sports Cave, brings his signature wit and commentary, especially when the conversation veers into sports and financial faux pas. His laid-back attitude contrasts hilariously with Bama’s animated storytelling, making for a dynamic duo you won’t want to miss.
Memorable Moments:
Bama shares five critical mistakes people make with their emergency funds, blending personal anecdotes (like his surprise $700K 401(k) balance and a presidential buddy’s Chevelle obsession) with practical advice. Whether it’s the dangers of investing your emergency stash in property or the temptation to dip into it for non-emergencies, this episode is packed with real talk and relatable wisdom.
Puma, co-host of The Sports Cave, brings his signature wit and commentary, especially when the conversation veers into sports and financial faux pas. His laid-back attitude contrasts hilariously with Bama’s animated storytelling, making for a dynamic duo you won’t want to miss.
Memorable Moments:
- Bama’s take on the Chiefs’ overexposure: “I was a Chiefs fan until Travis… I just—anyway.”
- The Hollywood sign turned “Holly HUMP” by a rogue crypto company.
- A candid story about Rick Perry’s Chevelle and presidential ambitions.
- “I don’t have enough money to pay attention”—Bama’s classic one-liner.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
Well, hi everybody, Maama Brown, will you I'm doing the
Bama Brown Experience podcast on the Part Network along with
my homie the Big Cat Bloomy. You guys. Now, tonight
y'all won't be live, but you'll be live tomorrow night
on them on the Sports Cave podcast, which is about right.
Speaker 2 (00:20):
Yeah, tonight we will be enjoying the Monday night football
doubleheader like the rest of the like the rest of
the red blooded American populace. But of course, anywhere anytime
you want to listen to us, you can always find
the podcast anywhere you get them to search for the
Sports Cave with the Biggest Puma and then live show
(00:40):
coming up tomorrow night over there on YouTube at sports
Cave Live, So come hang out with us.
Speaker 1 (00:45):
I had to laugh the guy fell down twice and
got up and ran in the end zone. I could
have been a quarterback, man, if that was what that's okay?
Speaker 3 (00:52):
Yeah, yeah.
Speaker 2 (00:52):
My the roommate here, she got a pretty good kick
out of out of old Trevor Lawrence falling over his
own feet.
Speaker 1 (01:00):
You know, Jamie, my wife, she loves those Chiefs, And
I'm just over every time there's a commercial. I got
a Chiefs player in my face, and I'm like, I'm
sick of it. I'm just sick of it now. I
was a Chiefs fan until just that whole Travis, I don't.
I just anyway so to see to see him fall down,
get up, fall down and get it and run in
and then score.
Speaker 3 (01:21):
Right.
Speaker 1 (01:21):
We won't do the whole sports deal. That's your show.
But I just I think you're guys around the world
who are not athletic going.
Speaker 3 (01:29):
Well ship, I could have done that, make that look easy.
Speaker 2 (01:33):
Yeah, I think you're I think there's a lot of
a lot of others out there that are right in
the same boat with you.
Speaker 3 (01:39):
Are pretty pretty tired of this Chiefs team.
Speaker 1 (01:42):
Absolutely, I'm glad to him get stamped every game. Now. Uh,
the Hollywood Sign there in Hollywood, they had a company
jumped up there and covered it up, a crypto company
with crypto currency. They made it Holly Hump h u
n P as their name of their deal. They were
and all kinds of stuff.
Speaker 2 (02:01):
But I'm surprised that's a crypto company and not in
some other kind of company.
Speaker 1 (02:05):
Well, I wondered about that when I heard it, I said,
what kind of crypto are you? Trading out there anyway.
But they it was a pretty impressive job they did
and they got done with it before they all got arrested,
so that was good, all right, So let's talk finances.
I've been thinking about this and I looked it up. Oh,
by the way, it got indulged me one more type.
(02:27):
Puma hates this story. Amelia Earhart Produce on their way
now to go look and see if it's ameliar hear
Hearts real plane. So it's supposedly it is, we'll see,
but Produce behind it at the university and they've got
a whole team and they're going out there because they
have a satellite photo that looks just like her plane
and it's four hundred miles south of where they were
(02:48):
supposed to be, So it'll be interesting to see. We'll
know in the next couple of weeks if that's really
hers and what happened to her. So there you go.
I didn't mean to bore everybody. Now I'm gonna bore
you with this five mistake that you make with your
emergency fund. Do not do these things. This is uh,
this is something that I want to spend the rest
(03:08):
of the show because Puma doesn't. He doesn't have any stress.
He has so much money he saved his wife's actually
the brains of that operation.
Speaker 2 (03:16):
Yeah, I was about to say, this is the brains
and the bank that relieves some of that stress.
Speaker 1 (03:21):
So here is a mistake you do not want to make.
Number five. There's five of them. But this is a good,
good fight. Investing your emergency fund in property. You don't
want to do that. You don't want to have an
asset and property that could be roller coaster up and
down and up and down. Not your we're talking about
your emergency fund. If you've got spare cash, you know,
(03:42):
if you're loaded, you want to do something, and great,
but be prepared. Within property. You got to ride it out.
You can't just I don't know anybody that's ever flipped it,
you know, other than Rick Perry, My buddy Rick Perry,
when he was governor, he bought he bought a lot
on Applehead Island up there Marble Falls for two hundred
grand and then sold it two weeks later for nine
hundred grand. Gee, you can do your own figure it
(04:05):
out on that DLA. Yeah.
Speaker 3 (04:06):
I was about to say that's a.
Speaker 1 (04:08):
Business, good friend of mine, but I did tell him
when he was running for president. I said, hell, if
I know that, you know, what is it that I
don't even know that they're going to know up there?
You just stop now. But anyway, last time he called me,
think about this. The guy ran for president. Okay, he
was a leading candidate, by the way, for Republican president.
(04:31):
And he called me and he had just bought a Chevelle,
and he thought, because I had a Chevelle, so he's
running for president. But he had time to call me. Go, dude,
I bought a seventy Chavelle real SS And we're talking cards,
and I'm like, you know, you're running for president. You
may all get back.
Speaker 2 (04:46):
You know, you might want to brush up on those
branches of government that you want to shut down.
Speaker 1 (04:51):
Those ended up and ended up being in charge of
the one he couldn't remember. That's the tyrony of the
whole god the one three they had three, you couldn't
remember the third one, and then he ended up Trump
put him in charge of it. Now, I think that's
just that's just the greatest that's just the greatest thing.
If that ain't texting, I don't know what is the
(05:13):
quote hell or high water movie. I love that where
they robbed from the If you hadn't seen it, all right,
I'm giving it away. But they plucked, they robbed their
banks and then use it to buy off the mortgage
that they had bankrolled against and then uh and then
reinvested their money in it. It is a great movie.
Speaker 3 (05:31):
Go Jada.
Speaker 1 (05:32):
Uh Taylor Sheridan his first movie by h All right.
So number four not re upping your emergency fund. So
this is another thing if you've dipped into it and
do something and you don't re fill it. And this
is once again, if you got extra cash coming in
and you're thinking, oh, I want to buy a boat
or whatever, get that emergency fund first. Make sure you
(05:54):
have it. All right, we'll get to how much it
needs to be here. Uh. Number three using the emergency
fund for non emergencies. There we go back to both
of the last two. You know, I know it's a
great deal on a car or a great dear, but
stuff that isn't cash is not an emergency fund. You
can't you don't want to have to dump something because
(06:16):
when you need to dump something, there's no way you're
going to sell it. That's when when you don't have
to sell it. That's when the people parachuting in to
buy it. When you're in a desperate need for cash. Yeah,
no it's not. No, don't come.
Speaker 3 (06:28):
Look sometimes how that happens.
Speaker 1 (06:30):
Yeah. Number two using your four oh one k for
an emergency fund. Now, I've heard both sides of this,
but they say, leave your four one k alone, act
like you don't have it, And I'll give you a
prime example. My wife ran, she runs her finances, so
I just I never looked. You know, I had a
(06:50):
credit card, never look And when I retired at sixty
retired it's sixty two, when I could take it out
and build those houses, had almost seven hundred grand h
four one k. Yeah. Now, fortunately for me, it only
went two hundred over the budget, so I wasn't completely broke,
but it nearly broke me. But you know that month
(07:13):
that money comes in rent. But it's affordable housing that
I wanted to do. But I mean, you in thirty
eight years, you just don't know how much you're socking away,
but you leave it alone, act like it don't exist,
and at some point you got enough. For like me,
I'm sixty, I sixty eight. In February, I can now
retire and I don't have to eat cat food. But
(07:33):
it's still gonna be close. I mean it's it's still
gonna be closed boom after all of that, you.
Speaker 3 (07:39):
Know, eat cat food by choice.
Speaker 1 (07:42):
Yeah. Absolutely.
Speaker 2 (07:44):
Maybe maybe you could tell me if this is a
good or a bad idea. We just had a buddy,
just had a friend. She took some money out of
her four oh one K to pay off some bad
credit card debt.
Speaker 1 (08:00):
I don't know that's a bad bad thing.
Speaker 2 (08:02):
It feels like kind of a net neutral, like, yeah,
you probably shouldn't take the money out, but also you're
paying off some of your biggest debt that's only going to.
Speaker 1 (08:12):
If if you can get rid of it. I think
anything you can do to get rid of debt. I
mean this almost sounds like and you know, the building
your emergency fund first, you know, if you take care
of business like that. I don't think that's such. And
remember your credit card is twenty two something percent and
your k IS couldn't go up and down. But I
will say this, when Biden got in there, I had
(08:34):
a feeling that it was going to drop, and at
sixty one I could pull it out. So I pulled
the cash out. By the way, the first one hundred
grand went to the irs. They take that from the top.
You don't get to go, okay, I'll catch you later.
They get that when you first pull it out. And
I still owe them thirty grand and I had to pay.
I had to pay that after, you know, in a
(08:55):
payment I set up a payment plan. But my whole
point was that I was leave it alone, act like
you don't exist, and I mean, there's a lot of
things you can do. One of the things I did
I read the Millionaire next Door book and that kind
of showed me what to do early on. That's a
great book. You can find it anywhere online or whatever.
(09:16):
But it's like, instead of buying a new, you know,
ninety thousand dollars pickup truck, do you really, you know,
reward yourself if you mean, you can put it on
as a business expense, But if you don't have that
kind of business expense, may be looking a pre owns
of something, you know, And in those same car dealerships
have a huge amount of trade end pre owns. I'm
(09:37):
just thinking, like Benny Boy, Benny gets hundreds and hundred
thousands of trade ends his dealerships and a lot of
them are in great shape. People just you know, they
got tired of it.
Speaker 3 (09:47):
Or I don't think I'll ever buy a new car
in my life.
Speaker 2 (09:51):
I just don't see the you know, I don't see
the the pule of paying that much more for just
to be the first person that ever put your butt
in the seat.
Speaker 1 (10:04):
I don't know, it's just kind of I don't know.
I've bought a bunch of new ones over the years,
but then I bought them, you know, in the last
well ever since I had a daughter, I've driven nothing
but pieces as shit because I've can't afford to because
of Old Miss and Baylor Law. Bring that up every
show I get a chance to you know, half a
mill What that costs two fifty to Old Miss fifty
(10:25):
to Baylor Law. That's what if you got a kid coming.
This is what we're talking about, finances about, you know,
I know we're getting close on time. And then the
last is we talked about this save and too little
in your emergency fund. They now say you need six
months house payment. It used to be two months, and
now they're recommending you have six months.
Speaker 2 (10:45):
And I thought we were doing well with we I
thought it was two and I thought we were doing
well because we had a third on there.
Speaker 3 (10:52):
Now we're only halfway where we should have been.
Speaker 1 (10:55):
Now, once again, it depends on them out of your
house payment. But so many people are upside alan their
houses now they got to do that. So anyway, that's
just some tips from some finance guys. Don't Uncabama here
is not telling you how to do it because I
you know, I don't have enough money to pay attention.
So that's where I'm at. So well, thanks for listening.
We appreciate it. Hopefully we help somebody today.
Well, hi everybody, Maama Brown, will you I'm doing the
Bama Brown Experience podcast on the Part Network along with
my homie the Big Cat Bloomy. You guys. Now, tonight
y'all won't be live, but you'll be live tomorrow night
on them on the Sports Cave podcast, which is about right.
Speaker 2 (00:20):
Yeah, tonight we will be enjoying the Monday night football
doubleheader like the rest of the like the rest of
the red blooded American populace. But of course, anywhere anytime
you want to listen to us, you can always find
the podcast anywhere you get them to search for the
Sports Cave with the Biggest Puma and then live show
(00:40):
coming up tomorrow night over there on YouTube at sports
Cave Live, So come hang out with us.
Speaker 1 (00:45):
I had to laugh the guy fell down twice and
got up and ran in the end zone. I could
have been a quarterback, man, if that was what that's okay?
Speaker 3 (00:52):
Yeah, yeah.
Speaker 2 (00:52):
My the roommate here, she got a pretty good kick
out of out of old Trevor Lawrence falling over his
own feet.
Speaker 1 (01:00):
You know, Jamie, my wife, she loves those Chiefs, And
I'm just over every time there's a commercial. I got
a Chiefs player in my face, and I'm like, I'm
sick of it. I'm just sick of it now. I
was a Chiefs fan until just that whole Travis, I don't.
I just anyway so to see to see him fall down,
get up, fall down and get it and run in
and then score.
Speaker 3 (01:21):
Right.
Speaker 1 (01:21):
We won't do the whole sports deal. That's your show.
But I just I think you're guys around the world
who are not athletic going.
Speaker 3 (01:29):
Well ship, I could have done that, make that look easy.
Speaker 2 (01:33):
Yeah, I think you're I think there's a lot of
a lot of others out there that are right in
the same boat with you.
Speaker 3 (01:39):
Are pretty pretty tired of this Chiefs team.
Speaker 1 (01:42):
Absolutely, I'm glad to him get stamped every game. Now. Uh,
the Hollywood Sign there in Hollywood, they had a company
jumped up there and covered it up, a crypto company
with crypto currency. They made it Holly Hump h u
n P as their name of their deal. They were
and all kinds of stuff.
Speaker 2 (02:01):
But I'm surprised that's a crypto company and not in
some other kind of company.
Speaker 1 (02:05):
Well, I wondered about that when I heard it, I said,
what kind of crypto are you? Trading out there anyway.
But they it was a pretty impressive job they did
and they got done with it before they all got arrested,
so that was good, all right, So let's talk finances.
I've been thinking about this and I looked it up. Oh,
by the way, it got indulged me one more type.
(02:27):
Puma hates this story. Amelia Earhart Produce on their way
now to go look and see if it's ameliar hear
Hearts real plane. So it's supposedly it is, we'll see,
but Produce behind it at the university and they've got
a whole team and they're going out there because they
have a satellite photo that looks just like her plane
and it's four hundred miles south of where they were
(02:48):
supposed to be, So it'll be interesting to see. We'll
know in the next couple of weeks if that's really
hers and what happened to her. So there you go.
I didn't mean to bore everybody. Now I'm gonna bore
you with this five mistake that you make with your
emergency fund. Do not do these things. This is uh,
this is something that I want to spend the rest
(03:08):
of the show because Puma doesn't. He doesn't have any stress.
He has so much money he saved his wife's actually
the brains of that operation.
Speaker 2 (03:16):
Yeah, I was about to say, this is the brains
and the bank that relieves some of that stress.
Speaker 1 (03:21):
So here is a mistake you do not want to make.
Number five. There's five of them. But this is a good,
good fight. Investing your emergency fund in property. You don't
want to do that. You don't want to have an
asset and property that could be roller coaster up and
down and up and down. Not your we're talking about
your emergency fund. If you've got spare cash, you know,
(03:42):
if you're loaded, you want to do something, and great,
but be prepared. Within property. You got to ride it out.
You can't just I don't know anybody that's ever flipped it,
you know, other than Rick Perry, My buddy Rick Perry,
when he was governor, he bought he bought a lot
on Applehead Island up there Marble Falls for two hundred
grand and then sold it two weeks later for nine
hundred grand. Gee, you can do your own figure it
(04:05):
out on that DLA. Yeah.
Speaker 3 (04:06):
I was about to say that's a.
Speaker 1 (04:08):
Business, good friend of mine, but I did tell him
when he was running for president. I said, hell, if
I know that, you know, what is it that I
don't even know that they're going to know up there?
You just stop now. But anyway, last time he called me,
think about this. The guy ran for president. Okay, he
was a leading candidate, by the way, for Republican president.
(04:31):
And he called me and he had just bought a Chevelle,
and he thought, because I had a Chevelle, so he's
running for president. But he had time to call me. Go, dude,
I bought a seventy Chavelle real SS And we're talking cards,
and I'm like, you know, you're running for president. You
may all get back.
Speaker 2 (04:46):
You know, you might want to brush up on those
branches of government that you want to shut down.
Speaker 1 (04:51):
Those ended up and ended up being in charge of
the one he couldn't remember. That's the tyrony of the
whole god the one three they had three, you couldn't
remember the third one, and then he ended up Trump
put him in charge of it. Now, I think that's
just that's just the greatest that's just the greatest thing.
If that ain't texting, I don't know what is the
(05:13):
quote hell or high water movie. I love that where
they robbed from the If you hadn't seen it, all right,
I'm giving it away. But they plucked, they robbed their
banks and then use it to buy off the mortgage
that they had bankrolled against and then uh and then
reinvested their money in it. It is a great movie.
Speaker 3 (05:31):
Go Jada.
Speaker 1 (05:32):
Uh Taylor Sheridan his first movie by h All right.
So number four not re upping your emergency fund. So
this is another thing if you've dipped into it and
do something and you don't re fill it. And this
is once again, if you got extra cash coming in
and you're thinking, oh, I want to buy a boat
or whatever, get that emergency fund first. Make sure you
(05:54):
have it. All right, we'll get to how much it
needs to be here. Uh. Number three using the emergency
fund for non emergencies. There we go back to both
of the last two. You know, I know it's a
great deal on a car or a great dear, but
stuff that isn't cash is not an emergency fund. You
can't you don't want to have to dump something because
(06:16):
when you need to dump something, there's no way you're
going to sell it. That's when when you don't have
to sell it. That's when the people parachuting in to
buy it. When you're in a desperate need for cash. Yeah,
no it's not. No, don't come.
Speaker 3 (06:28):
Look sometimes how that happens.
Speaker 1 (06:30):
Yeah. Number two using your four oh one k for
an emergency fund. Now, I've heard both sides of this,
but they say, leave your four one k alone, act
like you don't have it, And I'll give you a
prime example. My wife ran, she runs her finances, so
I just I never looked. You know, I had a
(06:50):
credit card, never look And when I retired at sixty
retired it's sixty two, when I could take it out
and build those houses, had almost seven hundred grand h
four one k. Yeah. Now, fortunately for me, it only
went two hundred over the budget, so I wasn't completely broke,
but it nearly broke me. But you know that month
(07:13):
that money comes in rent. But it's affordable housing that
I wanted to do. But I mean, you in thirty
eight years, you just don't know how much you're socking away,
but you leave it alone, act like it don't exist,
and at some point you got enough. For like me,
I'm sixty, I sixty eight. In February, I can now
retire and I don't have to eat cat food. But
(07:33):
it's still gonna be close. I mean it's it's still
gonna be closed boom after all of that, you.
Speaker 3 (07:39):
Know, eat cat food by choice.
Speaker 1 (07:42):
Yeah. Absolutely.
Speaker 2 (07:44):
Maybe maybe you could tell me if this is a
good or a bad idea. We just had a buddy,
just had a friend. She took some money out of
her four oh one K to pay off some bad
credit card debt.
Speaker 1 (08:00):
I don't know that's a bad bad thing.
Speaker 2 (08:02):
It feels like kind of a net neutral, like, yeah,
you probably shouldn't take the money out, but also you're
paying off some of your biggest debt that's only going to.
Speaker 1 (08:12):
If if you can get rid of it. I think
anything you can do to get rid of debt. I
mean this almost sounds like and you know, the building
your emergency fund first, you know, if you take care
of business like that. I don't think that's such. And
remember your credit card is twenty two something percent and
your k IS couldn't go up and down. But I
will say this, when Biden got in there, I had
(08:34):
a feeling that it was going to drop, and at
sixty one I could pull it out. So I pulled
the cash out. By the way, the first one hundred
grand went to the irs. They take that from the top.
You don't get to go, okay, I'll catch you later.
They get that when you first pull it out. And
I still owe them thirty grand and I had to pay.
I had to pay that after, you know, in a
(08:55):
payment I set up a payment plan. But my whole
point was that I was leave it alone, act like
you don't exist, and I mean, there's a lot of
things you can do. One of the things I did
I read the Millionaire next Door book and that kind
of showed me what to do early on. That's a
great book. You can find it anywhere online or whatever.
(09:16):
But it's like, instead of buying a new, you know,
ninety thousand dollars pickup truck, do you really, you know,
reward yourself if you mean, you can put it on
as a business expense, But if you don't have that
kind of business expense, may be looking a pre owns
of something, you know, And in those same car dealerships
have a huge amount of trade end pre owns. I'm
(09:37):
just thinking, like Benny Boy, Benny gets hundreds and hundred
thousands of trade ends his dealerships and a lot of
them are in great shape. People just you know, they
got tired of it.
Speaker 3 (09:47):
Or I don't think I'll ever buy a new car
in my life.
Speaker 2 (09:51):
I just don't see the you know, I don't see
the the pule of paying that much more for just
to be the first person that ever put your butt
in the seat.
Speaker 1 (10:04):
I don't know, it's just kind of I don't know.
I've bought a bunch of new ones over the years,
but then I bought them, you know, in the last
well ever since I had a daughter, I've driven nothing
but pieces as shit because I've can't afford to because
of Old Miss and Baylor Law. Bring that up every
show I get a chance to you know, half a
mill What that costs two fifty to Old Miss fifty
(10:25):
to Baylor Law. That's what if you got a kid coming.
This is what we're talking about, finances about, you know,
I know we're getting close on time. And then the
last is we talked about this save and too little
in your emergency fund. They now say you need six
months house payment. It used to be two months, and
now they're recommending you have six months.
Speaker 2 (10:45):
And I thought we were doing well with we I
thought it was two and I thought we were doing
well because we had a third on there.
Speaker 3 (10:52):
Now we're only halfway where we should have been.
Speaker 1 (10:55):
Now, once again, it depends on them out of your
house payment. But so many people are upside alan their
houses now they got to do that. So anyway, that's
just some tips from some finance guys. Don't Uncabama here
is not telling you how to do it because I
you know, I don't have enough money to pay attention.
So that's where I'm at. So well, thanks for listening.
We appreciate it. Hopefully we help somebody today.
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My Favorite Murder with Karen Kilgariff and Georgia Hardstark
My Favorite Murder is a true crime comedy podcast hosted by Karen Kilgariff and Georgia Hardstark. Each week, Karen and Georgia share compelling true crimes and hometown stories from friends and listeners. Since MFM launched in January of 2016, Karen and Georgia have shared their lifelong interest in true crime and have covered stories of infamous serial killers like the Night Stalker, mysterious cold cases, captivating cults, incredible survivor stories and important events from history like the Tulsa race massacre of 1921. My Favorite Murder is part of the Exactly Right podcast network that provides a platform for bold, creative voices to bring to life provocative, entertaining and relatable stories for audiences everywhere. The Exactly Right roster of podcasts covers a variety of topics including historic true crime, comedic interviews and news, science, pop culture and more. Podcasts on the network include Buried Bones with Kate Winkler Dawson and Paul Holes, That's Messed Up: An SVU Podcast, This Podcast Will Kill You, Bananas and more.
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Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com