October 2, 2025 • 29 mins
(October 02, 2025)
Neil Saavedra is in for Bill who is taking the day off for Yom Kippur. Host of ‘How to Money’ Joel Larsgaard joins the show to discuss people trading in their cars, why emergency funds are not ‘stupid,’ and why freelance work is becoming more popular. Trump has late night shows in his crosshairs… is SNL next? Tennessee is set to execute a woman for the first time in over 200 years.
Neil Saavedra is in for Bill who is taking the day off for Yom Kippur. Host of ‘How to Money’ Joel Larsgaard joins the show to discuss people trading in their cars, why emergency funds are not ‘stupid,’ and why freelance work is becoming more popular. Trump has late night shows in his crosshairs… is SNL next? Tennessee is set to execute a woman for the first time in over 200 years.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
You're listening to Bill Handle on demand from KFI AM
six forty. You are listening to the Bill Handle show.
Here's Nil Savadra.
Speaker 2 (00:13):
Stopping back in training rebelling again.
Speaker 3 (00:18):
Okay, So my buddy Joe ask Galote hit me up.
He was at that party too. He's actually the one
who introduced me to Greg Guttfeld and he goes, I
remember that night. Well, all right, KFI am six forty.
Nil Savadra in the morning crew with you. Handle is
enjoying his Jewish holiday even though he's a secularist and
(00:39):
soob so he's out doing that pretending he's Jewish while
we're here working together. That's fine.
Speaker 2 (00:45):
And of course lars Guard that's not Jewish, is it? No? No, okay,
it sounded more Viking. I just.
Speaker 4 (00:55):
I feel solidarity with the Jewish people on a day
like today.
Speaker 2 (00:57):
So do you you are you atoning today?
Speaker 3 (01:01):
I have a lot to atone for. I have a
zero doubt in that at all. Joel Larsgard is with us.
You can hear him on KFI every single Sunday. So
he gives us all we need to know when it
comes to you know, money smarts, and one of those
things is dealing with cars. People are returning their cars,
(01:24):
they're used cars while they are upside down in them.
Speaker 4 (01:30):
Why if I could get into the psyche of the
American consumer and I knew why they did the crazy
stuff they did that was in their own worst interest,
I think I would have a lot more money than
I do. But this is one of those things where
it's a trend that's just gotten worse and worse over time.
Speaker 2 (01:47):
And we know that the ariage.
Speaker 4 (01:49):
American doesn't handle money spectacularly well, but this is one
of those examples where there just aren't many worse things
you can do to harm yourself for many years to come.
And so what people are doing is they're like, well,
I have this car. It's worth like fifteen grand, but
I owe I still owe twenty two thousand dollars on it,
(02:10):
you know what, It's still time for me to upgrade,
Like I can't roll with this thing anymore. And so
they're trading in. They're going to a car lot, trading
in that car, getting less than it's worth. They're also
rolling the additional money that they owe into the new
loan for the new car, and especially with higher interest
trade something like one in four trade ins right, now
(02:30):
are being done with negative equity, where people owe more
on the car than they're worth. And this is something
I could have I was really predicting years ago because
as car loan links have continued to grow, people are
taking out eighty four month car loans. Now there's so
much time during that loan where you do have negative equity.
(02:52):
That's why these super long car loans are so nefarious.
And then people get tired of their car, they trade
it in trade in their role car, get a new one.
They have a much bigger loan. They're rolling with negative
equity on that car for many many years too, So
it's a huge problem.
Speaker 2 (03:05):
It's a car man.
Speaker 3 (03:06):
I you know, I for a long time drove three
series BMW's. I just liked them as cars. I did
never went to the five or anything above because everybody
I knew that had them, they were in the shop.
You go above a three for some reason, they were
always in the shop. That's just my perspective. So I
was like, I like the way they ride. Until I
got in an accident and they put me in a
(03:28):
truck as a loaner.
Speaker 2 (03:31):
I'm like, what am I doing? I should always be
in a truck this is the greatest thing.
Speaker 3 (03:35):
I don't have to shove things in the back of
my you know, BMW, I can do this and I
never looked back. But Handle told me a long time ago.
Never think of a car as an investment.
Speaker 2 (03:47):
It's a tool.
Speaker 3 (03:47):
You have to drive it, you need it, use it
as a utility. Expect to pay for it. And if
you have time where you run it into the ground
and you're not paying, still put that money aside, knowing
that sooner or later, whether you're fixing it or whatever.
And so that's how I treat it. I buy three
years old. I never buy new cars. I buy three
years old, and I run them into the ground. I
(04:09):
keep them as good as I can, and that I
feel has been and my wife does the same thing.
Speaker 2 (04:15):
So and that that's.
Speaker 4 (04:16):
Like foreign to most people, right, Like, that's not how
they they roll, That's not how they think about their car.
Speaker 2 (04:21):
And they think about it as well.
Speaker 4 (04:23):
I'm in this thing for two hours a day in
LA traffic getting to and from work, and so I
want something nice, man. But the problem with that mentality
is that it's going to keep you perpetually behind in
your ability to make your finances to build wealth and
to be become like a smart operator when it comes
to your money. So I think I like I'm similar
(04:46):
to you, although I end up buying much much older cars.
I'm down with like ten fifteen. The car I'm driving
right now that I recently upgraded to is a two
thousand and six, And most people would say that's crazy, man, Like,
why would you.
Speaker 2 (04:58):
Especially I could do that? Yes, I know a two
thousand and six Toyota. Man, Wow, I get some beer
you drink.
Speaker 4 (05:08):
I get so excited to drive that car every day,
and it's I think part of the reality. What makes
me happy about it is that I keep my expectations low,
and I see so many people have high expectations of
what they deserve. And the truth is, the more money
you're funneling into the car payment, buying the fancy new
thing and trying to keep up with the joneses, the
(05:29):
less options, the fewer options you're giving yourself. I prefer
optionality to nice wheels, and so I would just rather
see and not everybody's going to feel that way. And
some people want a nice car. That's totally fine. Just
make sure you can actually afford it. And that means
if you're going to buy a new car or even
a three or four year old car. A thirty six
(05:50):
to a forty eight month car loan is the max
I want to see you taking on. And if you're
like I need a nicer car than that, but you're
paying you can't work out the payments to pay to
pay it off in three to four years, then it's
too much car and you need to reconsider. Maybe you
need to dial back and get a slightly older one,
or get something that's not quite as fancy. But this
sort of rolling the negative equity in when you're making
(06:11):
the trade in, it's like, this is one of those
things that can create perpetual financial problems for years to come.
Speaker 2 (06:16):
Yeah. The old when you.
Speaker 3 (06:17):
Sit down and the first thing the salesperson asks you
is how much do you want to pay a month?
Speaker 2 (06:22):
I'm like, wrong question, yep, it's a big trap. Zero.
Speaker 3 (06:26):
Actually they pull that off. Yeah, yeah, that same thing.
I like that concept of lowing your lowering your expectation.
I think that's actually one of the ways that Cono
got married at all. But God bless his wife for
doing that. You know, kick the tires, get something that's
a fixer upper to service to the world she's doing.
(06:47):
But I am big on that, Like just it could
be nice. My car looks nice, my truck looks nice.
But it's going to be ten years old next year. Yeah,
and I'm okay with that. It feels new to me.
I still smile, like you said, I still smile every
time I get in it, and it treats me well.
And I you know, four wheel drive, go up in
the mountains like and it feels as exciting to me
(07:11):
as when I first saw it.
Speaker 4 (07:13):
And what you're doing is the exact opposite of what
most people do. They they are getting close to the
end of their payments and they're thinking about the next
car that they can get into, And what you're doing
is saying, well, I'm just gonna like stay in love
with this thing, and then I'm gonna I don't have
any payments anymore. Let me stick that money into a
savings account. So the next time when you do need
to upgrade, Neil, when you are getting the truck's getting longer,
(07:35):
the tooth or has given you too many problems, then
you can. You've got the cash to go get the
next thing, and you don't have to worry about payments
at all.
Speaker 2 (07:42):
That's the way to live.
Speaker 3 (07:43):
Yeah, we all know that one, that one breakdown where
they give you the cost to fix it and you go, okay,
but I'm a big I'm a big fixer. I believe
on that because that car's got to go somewhere. And yeah,
and if it's just going to go into a dump
or something like that, I'd rather try and fix it
and run it out. Right Now, we're talking to Joel
lars Guard from How to Money, heard here on Sunday's
(08:05):
Noon to two, and we're talking about money, right, I
think that's what you like to talk about. Or were
you talking about California beers both, Yeah, simultaneously. California beers
will cost you a lot of money though.
Speaker 2 (08:19):
Yeah, but the man knows his beers. I'll give him that.
Speaker 3 (08:23):
So there's a real estate investor that thinks emergency funds
are stupid.
Speaker 2 (08:28):
Now I've heard you just recently.
Speaker 3 (08:29):
You were talking with Amy King about having a certain
amount of money in emergency and you adjusted that for inflation.
I think as three thousand and some odd dollars three
thy forty something like that to have in an emergency
fund at you know, kind of bare minimum type thing.
Speaker 2 (08:47):
So what's the reasoning behind this.
Speaker 4 (08:49):
So first, like to hear people disparage the emergency funds,
like that's fighting words for me, man, Like I'll go
enter into the octagon with you. If you're going to
talk smack about emergency funds, just not cool. And so
to hear somebody be like in the real estate business
say emergency funds are totally overblown and they're a tool
of the banks to siphon off your savings. You should
(09:11):
be investing every dollar. I'm a big fan of investing
and growing your money up for the long haul, but
that doesn't mean you don't need some fallback liquid cash
at the same time. And so it's just a ridiculous assertion.
And the number that I prescribe Neil Savedra is three
thousand and forty five dollars, and I like a really
specific number for a couple of reasons. One, it's based
(09:33):
on a finding from a few years ago that economists
said twenty four hundred and sixty seven dollars is the
optimum amount to have if you enter some if you
have some sort of financial emergency, whether that's a car
issue or a health issue, like this will get you
through and I just updated it for inflation and now
it's three thousand forty five, So I just kind of
wanted to make it more more accurate. But I think
(09:55):
there's something nice about a highly specific number to shoot for,
because if you just say probably like twenty five und
or something like that, it doesn't stick in your brain
as well, and it's there's there's something about that stickiness
that really helps people go after a goal that they've
set in front of them. So I really want people
to yes to have an emergency fund. Don't listen to
the haters out there who say that they're overrated or
(10:16):
anything like that, because they're certainly not. And I'm thinking
about real estate investors too. Right now, it's not a
great market. There's some people who are losing money every month.
Speaker 2 (10:24):
Good thing.
Speaker 4 (10:25):
It's nice to have liquid cash on hand to be
able to absorb those losses.
Speaker 2 (10:29):
Yeah, there there is something weird about that.
Speaker 3 (10:31):
Like I learned early on that if you have down
payment for a car and the amount of money you
need to pay it off each month, that's not enough.
You got to have something, even if it's a new car,
you got to have something put aside in case there's
a breakdown, an accident that you need to pay. You know,
(10:53):
you're part of the insurance, your premiums and all that.
You know, they're that's part of the cost. It's like
tips now, it's part of the cost of going out period.
Speaker 2 (11:03):
Yeah, yep.
Speaker 4 (11:04):
And I if I'm gonna be incredibly generous to this guy,
his name's Grant card Don If I'm gonna be incredibly generous.
Speaker 2 (11:11):
Take him down, man, take him down.
Speaker 4 (11:12):
Maybe what he's trying to say is that there are
people who way over index to saving money and they
don't start investing early enough when they should. And you
can go on howdomoney dot com and you can look
at click the start here button and you can see
the money gears. And I do think that there's obviously
a real importance to investing and to start investing early on.
(11:35):
That's like, but after the first thing, which is saving
up that basic emergency fund, it's snagging your company's four
one K match that's the very next thing on the list,
and investing is all throughout the money gears. It's like
a really important part of it is to you're not
gonna be able to grow your wealth in the way
you want to through basic savings, especially if you're with
one of the crappy big banks that I really hate.
So yeah, if I'm gonna be really generous, maybe he's
(11:57):
just trying to say there's way too many people who
are over indexed on savings and they're not investing money
in the way they need to be. But you just
can't hate on emergency funds because they're a really crucial
part of the peace of mind that you need to
have when you're trying to manage your finance as well,
and the financial backstop as well.
Speaker 3 (12:15):
I'm a big fan of four one K in the matching.
I think it's it's a no brainer. But I guarantee
that people that don't have that emergency fund, the first
thing they do is look to their four O one
K to take money out when they you know. So
to me, it's the same thing. It's a if you
don't have that, then you're it's just gonna screw you know,
(12:36):
with your money.
Speaker 4 (12:37):
Yeah, and that's a huge problem. I'm glad you mentioned that,
because where do people turn if they don't have an
emergency fund. There aren't many great places, and yeah, not
making as much money on the thousands of dollars that
you have in the savings account. That's a really small problem,
not having that money in the account when you need
it and turning to your four oh one K to
(12:59):
rip money out of there. It's becoming easier to do that,
but it doesn't mean it's a good thing, and that's
a really big problem in my estimation. I had a
listener reach out recently and he's trying to move jobs,
and he's gotten outstanding four a one K loan and
he doesn't have the money to pay it back yet,
and so there are all these issues that come down
the line. Not to mention you're pulling money out, it's
not working for you anymore in the market, but there's
(13:19):
a lot of issues with taking loans and taking money
out of your retirement accounts. I'd much rather have you
save up that basic emergency fund. You can always grow
it up to a bigger number at a later date,
which is a smart move, But that basic e fund
is like, there's just no there's no better option. I
guess it's no better place to start for people when
they're trying to get their finances in shape.
Speaker 3 (13:40):
I've made little money, and I've made more than little money.
And I will tell you nothing makes me feel more
rich in life than having a little bit of padding.
Speaker 2 (13:52):
Yeah, that's it.
Speaker 3 (13:53):
Yeah, And I'm not talking about my belly, Kno, I
know where you're gonna go. I'm just saying there's something
about having a reserve that means more to me than
having a fancy car or living in a massive house.
Just having enough padding that when it hits the shan
somewhere in life and you're like, you know what.
Speaker 2 (14:12):
We're okay, okay. One of my favorite means more and
that's like three thousand, like you said. Yeah.
Speaker 4 (14:19):
One of my favorite quotes is from financial writer Morgan Household,
and he says, to save like a pessimist, but to
invest like an optimist. I think that's just a really
smart way to live your life. I'm an optimist. But
also like, if you're overly optimistic and you say nothing
bad's going to happen to me, well, that's unlikely, right.
Bad things do happen and financial emergencies do occur. So
(14:40):
you need to save in such a way where you're
ready for those bad events. But you want to invest
in such a way where you're like this guy's the limit,
not not like yolo sort of investing, but like truly
investing because you believe that in the future of this country,
and you believe in the companies that are helping create
some of that future for us. So I love that
sort of dichotomy. If you can live your life with
(15:01):
your foot in both of those spaces, I think that's
a good way to go.
Speaker 3 (15:04):
I think that's a good note. Stuff on two. I
really agree with that as well. Joel Larsgard Noon to
two every Sunday with How to Money, and it's a
really great show. It's super, super informative and easy to
listen to. You guys do a fantastic job. I appreciate you, Joel,
thanks for coming on, buddy. Thanks Neil, always enjoy We'll
talk again soon. All right, Good Thursday morning to you, Neil,
(15:27):
Savedra and the morning crew.
Speaker 2 (15:29):
Here. Handle is taking the day off for ya.
Speaker 3 (15:31):
I'm kid poor, and I think our lovely Ann is
out because she works tonight. What is it Rams in
forty nine ers?
Speaker 2 (15:42):
Yes, it's Rams and forty nine ers. It's so fine.
Not the Chargers earlier right, I was thinking it was
the Chargers.
Speaker 3 (15:47):
I'm not gonna correct you. On sports ball. I don't know,
okay about sports ball.
Speaker 2 (15:52):
I know something about it, so I should have had
that one.
Speaker 3 (15:56):
What What did Shannon Farren come in? Screaming, choking you,
punching you in the face. I don't think she's here yet,
but I will keep that in mind and lock my door.
Yeah I would. She's small but mighty fearsome. Still got
the bite marks on my arm from something she didn't
like that I said, horrible, horrible human being. Oh stop,
(16:19):
I just okay, switching things just a little bit.
Speaker 2 (16:22):
I was gonna.
Speaker 3 (16:24):
Do a story about Trump, hence the music there, but
I wanted to talk about something that I was reading
last night about Tennessee setting to execute a woman thirty
years after the murder she committed when she was eighteen.
Speaker 2 (16:42):
I think her name's Krista Pike.
Speaker 3 (16:45):
Now they set the date for about a year out.
It'll be September thirtieth of twenty twenty six. She was
eighteen years old when she and two others lured a
nineteen year old old young lady calling Slimmer into the
woods in Knoxville in nineteen ninety five and carried out
(17:09):
an attack that made national headlines. Oh well, that's rude.
It's got a two letter text from Shannon Farren. How
rude from such a demure young lady.
Speaker 2 (17:31):
I'll give you a hint. The first letter was an
F so christa Gailee.
Speaker 3 (17:39):
This story is absolutely horrible about what they did to
this young girl. A groundskeeper found the body the next day, beaten, stabbed, bludgeoned,
a pentagram carved into her forehead and her chest.
Speaker 2 (18:02):
The very act.
Speaker 3 (18:05):
And brutality of the killing stands alone, vulgar and heinous
in every way, indescribable from a standpoint of humanity, without
explanation that could ever cover the smallest of cracks and
(18:29):
what was done. Not a lot of women have been
on death row or been executed. As a matter of fact,
in Tennessee, it's been two hundred years and she'll only
be the nineteenth woman executed if they go through with this,
which I.
Speaker 2 (18:45):
Think they should.
Speaker 3 (18:48):
She also kept a momento from smashing in the skull
of this young lady. She took a piece of the skull.
She bragged about it to friends. Her boyfriend at the time,
to Darryl Shipp. Was convicted of first degree murder, sentenced
(19:08):
to life in prison, will become eligible for parole by
the way, in November, according to inmate records, she says
that she's changed and learned a lot since then. And
I have no doubt whether she did or didn't. I
mean they if she says so, sure, But there The
(19:31):
judicial system has a couple different purposes, one of which
is to protect. The most important to me is to
protect society. The second is to punish. But ultimately all.
Speaker 2 (19:53):
Of that has to be first to protect society.
Speaker 3 (19:57):
Someone who brutally murders someone like that, that takes a
momento of their skull and brags about it, has no
more place in society. I'm sorry you don't. You're going
to go on the teaching circuit about how bad you
were and how people No, that's for somebody who makes
a mistake. This is not a mistake. You're not going
(20:19):
to change people's hearts and say, hey, I did this.
I truly believe that when it comes to the death penalty,
that it is more humane to treat to treat another
human like they knew what they were doing, if they
(20:41):
were in their right mind, meaning that there was no
obvious you know, everybody's mental kill someone else, I guess
you'd say, but didn't have something specific that made them
stand out. They could be in court and they could
be prosecuted that it is less humane to put them
(21:01):
in the cage for the rest of their life, like
an animal who doesn't know the difference than it is
to put them out of their misery and to make
your area wherever you live, wherever she lived, wherever she
could go and cause more havoc safe. There are two
(21:25):
options in life. You put bad people in jail, or
they get executed for heinous crimes that are irreversible in
their own psyche and the psyche of the public in
which is supposed to be protected. You put them in
jail or the rest of us that didn't do those things,
(21:47):
or in prison with them because they're on the outs.
So either the entire country is a prison because we
decide to let people who don't deserve to be free,
who have done heinous crimes against the very system. We
all say, Okay, we're agreeing upon this. This is what
(22:08):
society is, and this is how it's got to work
for it to have structure and be strong and endure
and grow and be able to raise children. In so,
either you think you're better than these people and you're
so superior that they can't control themselves the way you can,
(22:34):
or you say they are my equal, and they chose
to go out of the bounds of what we've agreed upon,
and they need to be locked away or better yet,
in a heinous crime like this male female doesn't matter
to me. They committed a heinous crime of murder, especially
(22:57):
in the way they that they did. They're done, human garbage.
You have no place in society. Let God sort that
garbage out.
Speaker 1 (23:08):
God. Good doodle doo, folks. I'm Donald Trump, and there's
two things in the world.
Speaker 2 (23:13):
I love a good deal and a good deal. Join
me at Donald Trump's House of Widms. You we're making
you know me.
Speaker 3 (23:27):
We'll Trump Dancing Man is the best I want to
get into. Where Trump's focus lies on the next possible cancelation,
(23:47):
Who knows?
Speaker 2 (23:48):
In just a moment.
Speaker 3 (23:49):
First, I want to tell you it's Halloween time at
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(24:13):
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AM six forty boom. So, President Donald Trump, you just
(24:33):
heard Trump's Wings. That's probably one of my favorite. They've
done a lot of skits on Saturday Night Live about
Trump and with Trump. That one was with Trump years ago,
and he talks about how it's the best part of
the bird. It's fantastic and he's dancing and they're singing
and everything. But that love affair ended after he ran
(24:57):
for the first time. Over the years, they were friends,
they'd have him on. He was kind of inseparable with
the vibe of New York City Show up in movies.
The President actually hosted the show in two thousand and
four and in twenty fifteen, so shortly after they announced
(25:18):
that his first run for presidency was going to take place.
It was kind of controversial at the time SNL decided
to have him come host. NBC's Top Brass defended the move.
They said, hey, he's a front runner runner and that
status among Republicans and the high ratings that produced made sense.
At the end of the day, he was on the
(25:39):
show for about eleven minutes and the earth didn't fall
off its access.
Speaker 2 (25:44):
But then.
Speaker 3 (25:47):
He was referred to as toxic and demented by NBC
Entertainment chairman, and so their relationship has gone south. So
right now with Trump coming out and saying that ninety
seven percent of what is said about him on television
(26:11):
is negative and that maybe he needs to look at
licenses and these types of things, which should shake you
to your bones. Not because I believe everything he says.
I do not, but a president saying that is not good.
E've been playing around. Like I said, if he came
out and said We're going to take away guns from Democrats,
(26:35):
that should shake you to the bones too. Anytime you're
messing with the Constitution, there's a problem. But now it's
there is some speculation. This comes from Caitlin Huemani from
The La Times says that maybe Saturday Night Live might
be in his crosshairs.
Speaker 2 (26:54):
He for some time has gone after it. Now.
Speaker 3 (26:57):
I've said this before on the Jimmy Kimmel thing. Stood
with Jimmy because you had the car from the FCC
and you had Trump making allusions to messing with free
speech on the air. And to me, that's different than
Roseanne Barr getting booted for saying racist things.
Speaker 2 (27:15):
Iking it to.
Speaker 3 (27:18):
Gina Carano being booted from the Mandalorian, which I thought
was a horrible censorship, even though they had the right
to do it because of the fact that they let
the Pedro Pascal stay on even though he said something
very similar prior. But one was conservative and one was
(27:38):
liberal and they were treated differently. But I still don't
believe Trump had anything to do with Jimmy Kimmel passed
the part of him saying those things. I don't know
that there's any evidence that he actually went to somebody
like Sinclair and said, hey, don't put him on.
Speaker 2 (27:57):
Could happened, but I don't know that there's any eviden
to that.
Speaker 3 (28:02):
However, if he goes after Saturday Night Live or things
like that, that's just straight up censorship, and nobody who
has any love or understanding of the Constitution should celebrate
that in any way, shape or form.
Speaker 2 (28:17):
So we'll see if he ends up trying to go
after that.
Speaker 3 (28:21):
They're firing all their funny people over there anyways, so
I'm not sure that it will matter, but we shall see.
All right, stick around, You've got Gary and Shannon coming up.
Bill will be back tomorrow. Thanks so much. Neil Svader
here and on about half of the morning crew. Thanks
for taking your time to hang out with us. We
know there's many radio shows out there, and choosing ours
means a lot. Have a pleasant flight and we'll catch
(28:45):
you tomorrow. With Bill Handle. This is KFI and KOSTHD
two Los Angeles, Orange County.
Speaker 1 (28:51):
You've been listening to the Bill Handle Show.
Speaker 4 (28:53):
Catch my show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app
You're listening to Bill Handle on demand from KFI AM
six forty. You are listening to the Bill Handle show.
Here's Nil Savadra.
Speaker 2 (00:13):
Stopping back in training rebelling again.
Speaker 3 (00:18):
Okay, So my buddy Joe ask Galote hit me up.
He was at that party too. He's actually the one
who introduced me to Greg Guttfeld and he goes, I
remember that night. Well, all right, KFI am six forty.
Nil Savadra in the morning crew with you. Handle is
enjoying his Jewish holiday even though he's a secularist and
(00:39):
soob so he's out doing that pretending he's Jewish while
we're here working together. That's fine.
Speaker 2 (00:45):
And of course lars Guard that's not Jewish, is it? No? No, okay,
it sounded more Viking. I just.
Speaker 4 (00:55):
I feel solidarity with the Jewish people on a day
like today.
Speaker 2 (00:57):
So do you you are you atoning today?
Speaker 3 (01:01):
I have a lot to atone for. I have a
zero doubt in that at all. Joel Larsgard is with us.
You can hear him on KFI every single Sunday. So
he gives us all we need to know when it
comes to you know, money smarts, and one of those
things is dealing with cars. People are returning their cars,
(01:24):
they're used cars while they are upside down in them.
Speaker 4 (01:30):
Why if I could get into the psyche of the
American consumer and I knew why they did the crazy
stuff they did that was in their own worst interest,
I think I would have a lot more money than
I do. But this is one of those things where
it's a trend that's just gotten worse and worse over time.
Speaker 2 (01:47):
And we know that the ariage.
Speaker 4 (01:49):
American doesn't handle money spectacularly well, but this is one
of those examples where there just aren't many worse things
you can do to harm yourself for many years to come.
And so what people are doing is they're like, well,
I have this car. It's worth like fifteen grand, but
I owe I still owe twenty two thousand dollars on it,
(02:10):
you know what, It's still time for me to upgrade,
Like I can't roll with this thing anymore. And so
they're trading in. They're going to a car lot, trading
in that car, getting less than it's worth. They're also
rolling the additional money that they owe into the new
loan for the new car, and especially with higher interest
trade something like one in four trade ins right, now
(02:30):
are being done with negative equity, where people owe more
on the car than they're worth. And this is something
I could have I was really predicting years ago because
as car loan links have continued to grow, people are
taking out eighty four month car loans. Now there's so
much time during that loan where you do have negative equity.
(02:52):
That's why these super long car loans are so nefarious.
And then people get tired of their car, they trade
it in trade in their role car, get a new one.
They have a much bigger loan. They're rolling with negative
equity on that car for many many years too, So
it's a huge problem.
Speaker 2 (03:05):
It's a car man.
Speaker 3 (03:06):
I you know, I for a long time drove three
series BMW's. I just liked them as cars. I did
never went to the five or anything above because everybody
I knew that had them, they were in the shop.
You go above a three for some reason, they were
always in the shop. That's just my perspective. So I
was like, I like the way they ride. Until I
got in an accident and they put me in a
(03:28):
truck as a loaner.
Speaker 2 (03:31):
I'm like, what am I doing? I should always be
in a truck this is the greatest thing.
Speaker 3 (03:35):
I don't have to shove things in the back of
my you know, BMW, I can do this and I
never looked back. But Handle told me a long time ago.
Never think of a car as an investment.
Speaker 2 (03:47):
It's a tool.
Speaker 3 (03:47):
You have to drive it, you need it, use it
as a utility. Expect to pay for it. And if
you have time where you run it into the ground
and you're not paying, still put that money aside, knowing
that sooner or later, whether you're fixing it or whatever.
And so that's how I treat it. I buy three
years old. I never buy new cars. I buy three
years old, and I run them into the ground. I
(04:09):
keep them as good as I can, and that I
feel has been and my wife does the same thing.
Speaker 2 (04:15):
So and that that's.
Speaker 4 (04:16):
Like foreign to most people, right, Like, that's not how
they they roll, That's not how they think about their car.
Speaker 2 (04:21):
And they think about it as well.
Speaker 4 (04:23):
I'm in this thing for two hours a day in
LA traffic getting to and from work, and so I
want something nice, man. But the problem with that mentality
is that it's going to keep you perpetually behind in
your ability to make your finances to build wealth and
to be become like a smart operator when it comes
to your money. So I think I like I'm similar
(04:46):
to you, although I end up buying much much older cars.
I'm down with like ten fifteen. The car I'm driving
right now that I recently upgraded to is a two
thousand and six, And most people would say that's crazy, man, Like,
why would you.
Speaker 2 (04:58):
Especially I could do that? Yes, I know a two
thousand and six Toyota. Man, Wow, I get some beer
you drink.
Speaker 4 (05:08):
I get so excited to drive that car every day,
and it's I think part of the reality. What makes
me happy about it is that I keep my expectations low,
and I see so many people have high expectations of
what they deserve. And the truth is, the more money
you're funneling into the car payment, buying the fancy new
thing and trying to keep up with the joneses, the
(05:29):
less options, the fewer options you're giving yourself. I prefer
optionality to nice wheels, and so I would just rather
see and not everybody's going to feel that way. And
some people want a nice car. That's totally fine. Just
make sure you can actually afford it. And that means
if you're going to buy a new car or even
a three or four year old car. A thirty six
(05:50):
to a forty eight month car loan is the max
I want to see you taking on. And if you're
like I need a nicer car than that, but you're
paying you can't work out the payments to pay to
pay it off in three to four years, then it's
too much car and you need to reconsider. Maybe you
need to dial back and get a slightly older one,
or get something that's not quite as fancy. But this
sort of rolling the negative equity in when you're making
(06:11):
the trade in, it's like, this is one of those
things that can create perpetual financial problems for years to come.
Speaker 2 (06:16):
Yeah. The old when you.
Speaker 3 (06:17):
Sit down and the first thing the salesperson asks you
is how much do you want to pay a month?
Speaker 2 (06:22):
I'm like, wrong question, yep, it's a big trap. Zero.
Speaker 3 (06:26):
Actually they pull that off. Yeah, yeah, that same thing.
I like that concept of lowing your lowering your expectation.
I think that's actually one of the ways that Cono
got married at all. But God bless his wife for
doing that. You know, kick the tires, get something that's
a fixer upper to service to the world she's doing.
(06:47):
But I am big on that, Like just it could
be nice. My car looks nice, my truck looks nice.
But it's going to be ten years old next year. Yeah,
and I'm okay with that. It feels new to me.
I still smile, like you said, I still smile every
time I get in it, and it treats me well.
And I you know, four wheel drive, go up in
the mountains like and it feels as exciting to me
(07:11):
as when I first saw it.
Speaker 4 (07:13):
And what you're doing is the exact opposite of what
most people do. They they are getting close to the
end of their payments and they're thinking about the next
car that they can get into, And what you're doing
is saying, well, I'm just gonna like stay in love
with this thing, and then I'm gonna I don't have
any payments anymore. Let me stick that money into a
savings account. So the next time when you do need
to upgrade, Neil, when you are getting the truck's getting longer,
(07:35):
the tooth or has given you too many problems, then
you can. You've got the cash to go get the
next thing, and you don't have to worry about payments
at all.
Speaker 2 (07:42):
That's the way to live.
Speaker 3 (07:43):
Yeah, we all know that one, that one breakdown where
they give you the cost to fix it and you go, okay,
but I'm a big I'm a big fixer. I believe
on that because that car's got to go somewhere. And yeah,
and if it's just going to go into a dump
or something like that, I'd rather try and fix it
and run it out. Right Now, we're talking to Joel
lars Guard from How to Money, heard here on Sunday's
(08:05):
Noon to two, and we're talking about money, right, I
think that's what you like to talk about. Or were
you talking about California beers both, Yeah, simultaneously. California beers
will cost you a lot of money though.
Speaker 2 (08:19):
Yeah, but the man knows his beers. I'll give him that.
Speaker 3 (08:23):
So there's a real estate investor that thinks emergency funds
are stupid.
Speaker 2 (08:28):
Now I've heard you just recently.
Speaker 3 (08:29):
You were talking with Amy King about having a certain
amount of money in emergency and you adjusted that for inflation.
I think as three thousand and some odd dollars three
thy forty something like that to have in an emergency
fund at you know, kind of bare minimum type thing.
Speaker 2 (08:47):
So what's the reasoning behind this.
Speaker 4 (08:49):
So first, like to hear people disparage the emergency funds,
like that's fighting words for me, man, Like I'll go
enter into the octagon with you. If you're going to
talk smack about emergency funds, just not cool. And so
to hear somebody be like in the real estate business
say emergency funds are totally overblown and they're a tool
of the banks to siphon off your savings. You should
(09:11):
be investing every dollar. I'm a big fan of investing
and growing your money up for the long haul, but
that doesn't mean you don't need some fallback liquid cash
at the same time. And so it's just a ridiculous assertion.
And the number that I prescribe Neil Savedra is three
thousand and forty five dollars, and I like a really
specific number for a couple of reasons. One, it's based
(09:33):
on a finding from a few years ago that economists
said twenty four hundred and sixty seven dollars is the
optimum amount to have if you enter some if you
have some sort of financial emergency, whether that's a car
issue or a health issue, like this will get you
through and I just updated it for inflation and now
it's three thousand forty five, So I just kind of
wanted to make it more more accurate. But I think
(09:55):
there's something nice about a highly specific number to shoot for,
because if you just say probably like twenty five und
or something like that, it doesn't stick in your brain
as well, and it's there's there's something about that stickiness
that really helps people go after a goal that they've
set in front of them. So I really want people
to yes to have an emergency fund. Don't listen to
the haters out there who say that they're overrated or
(10:16):
anything like that, because they're certainly not. And I'm thinking
about real estate investors too. Right now, it's not a
great market. There's some people who are losing money every month.
Speaker 2 (10:24):
Good thing.
Speaker 4 (10:25):
It's nice to have liquid cash on hand to be
able to absorb those losses.
Speaker 2 (10:29):
Yeah, there there is something weird about that.
Speaker 3 (10:31):
Like I learned early on that if you have down
payment for a car and the amount of money you
need to pay it off each month, that's not enough.
You got to have something, even if it's a new car,
you got to have something put aside in case there's
a breakdown, an accident that you need to pay. You know,
(10:53):
you're part of the insurance, your premiums and all that.
You know, they're that's part of the cost. It's like
tips now, it's part of the cost of going out period.
Speaker 2 (11:03):
Yeah, yep.
Speaker 4 (11:04):
And I if I'm gonna be incredibly generous to this guy,
his name's Grant card Don If I'm gonna be incredibly generous.
Speaker 2 (11:11):
Take him down, man, take him down.
Speaker 4 (11:12):
Maybe what he's trying to say is that there are
people who way over index to saving money and they
don't start investing early enough when they should. And you
can go on howdomoney dot com and you can look
at click the start here button and you can see
the money gears. And I do think that there's obviously
a real importance to investing and to start investing early on.
(11:35):
That's like, but after the first thing, which is saving
up that basic emergency fund, it's snagging your company's four
one K match that's the very next thing on the list,
and investing is all throughout the money gears. It's like
a really important part of it is to you're not
gonna be able to grow your wealth in the way
you want to through basic savings, especially if you're with
one of the crappy big banks that I really hate.
So yeah, if I'm gonna be really generous, maybe he's
(11:57):
just trying to say there's way too many people who
are over indexed on savings and they're not investing money
in the way they need to be. But you just
can't hate on emergency funds because they're a really crucial
part of the peace of mind that you need to
have when you're trying to manage your finance as well,
and the financial backstop as well.
Speaker 3 (12:15):
I'm a big fan of four one K in the matching.
I think it's it's a no brainer. But I guarantee
that people that don't have that emergency fund, the first
thing they do is look to their four O one
K to take money out when they you know. So
to me, it's the same thing. It's a if you
don't have that, then you're it's just gonna screw you know,
(12:36):
with your money.
Speaker 4 (12:37):
Yeah, and that's a huge problem. I'm glad you mentioned that,
because where do people turn if they don't have an
emergency fund. There aren't many great places, and yeah, not
making as much money on the thousands of dollars that
you have in the savings account. That's a really small problem,
not having that money in the account when you need
it and turning to your four oh one K to
(12:59):
rip money out of there. It's becoming easier to do that,
but it doesn't mean it's a good thing, and that's
a really big problem in my estimation. I had a
listener reach out recently and he's trying to move jobs,
and he's gotten outstanding four a one K loan and
he doesn't have the money to pay it back yet,
and so there are all these issues that come down
the line. Not to mention you're pulling money out, it's
not working for you anymore in the market, but there's
(13:19):
a lot of issues with taking loans and taking money
out of your retirement accounts. I'd much rather have you
save up that basic emergency fund. You can always grow
it up to a bigger number at a later date,
which is a smart move, But that basic e fund
is like, there's just no there's no better option. I
guess it's no better place to start for people when
they're trying to get their finances in shape.
Speaker 3 (13:40):
I've made little money, and I've made more than little money.
And I will tell you nothing makes me feel more
rich in life than having a little bit of padding.
Speaker 2 (13:52):
Yeah, that's it.
Speaker 3 (13:53):
Yeah, And I'm not talking about my belly, Kno, I
know where you're gonna go. I'm just saying there's something
about having a reserve that means more to me than
having a fancy car or living in a massive house.
Just having enough padding that when it hits the shan
somewhere in life and you're like, you know what.
Speaker 2 (14:12):
We're okay, okay. One of my favorite means more and
that's like three thousand, like you said. Yeah.
Speaker 4 (14:19):
One of my favorite quotes is from financial writer Morgan Household,
and he says, to save like a pessimist, but to
invest like an optimist. I think that's just a really
smart way to live your life. I'm an optimist. But
also like, if you're overly optimistic and you say nothing
bad's going to happen to me, well, that's unlikely, right.
Bad things do happen and financial emergencies do occur. So
(14:40):
you need to save in such a way where you're
ready for those bad events. But you want to invest
in such a way where you're like this guy's the limit,
not not like yolo sort of investing, but like truly
investing because you believe that in the future of this country,
and you believe in the companies that are helping create
some of that future for us. So I love that
sort of dichotomy. If you can live your life with
(15:01):
your foot in both of those spaces, I think that's
a good way to go.
Speaker 3 (15:04):
I think that's a good note. Stuff on two. I
really agree with that as well. Joel Larsgard Noon to
two every Sunday with How to Money, and it's a
really great show. It's super, super informative and easy to
listen to. You guys do a fantastic job. I appreciate you, Joel,
thanks for coming on, buddy. Thanks Neil, always enjoy We'll
talk again soon. All right, Good Thursday morning to you, Neil,
(15:27):
Savedra and the morning crew.
Speaker 2 (15:29):
Here. Handle is taking the day off for ya.
Speaker 3 (15:31):
I'm kid poor, and I think our lovely Ann is
out because she works tonight. What is it Rams in
forty nine ers?
Speaker 2 (15:42):
Yes, it's Rams and forty nine ers. It's so fine.
Not the Chargers earlier right, I was thinking it was
the Chargers.
Speaker 3 (15:47):
I'm not gonna correct you. On sports ball. I don't know,
okay about sports ball.
Speaker 2 (15:52):
I know something about it, so I should have had
that one.
Speaker 3 (15:56):
What What did Shannon Farren come in? Screaming, choking you,
punching you in the face. I don't think she's here yet,
but I will keep that in mind and lock my door.
Yeah I would. She's small but mighty fearsome. Still got
the bite marks on my arm from something she didn't
like that I said, horrible, horrible human being. Oh stop,
(16:19):
I just okay, switching things just a little bit.
Speaker 2 (16:22):
I was gonna.
Speaker 3 (16:24):
Do a story about Trump, hence the music there, but
I wanted to talk about something that I was reading
last night about Tennessee setting to execute a woman thirty
years after the murder she committed when she was eighteen.
Speaker 2 (16:42):
I think her name's Krista Pike.
Speaker 3 (16:45):
Now they set the date for about a year out.
It'll be September thirtieth of twenty twenty six. She was
eighteen years old when she and two others lured a
nineteen year old old young lady calling Slimmer into the
woods in Knoxville in nineteen ninety five and carried out
(17:09):
an attack that made national headlines. Oh well, that's rude.
It's got a two letter text from Shannon Farren. How
rude from such a demure young lady.
Speaker 2 (17:31):
I'll give you a hint. The first letter was an
F so christa Gailee.
Speaker 3 (17:39):
This story is absolutely horrible about what they did to
this young girl. A groundskeeper found the body the next day, beaten, stabbed, bludgeoned,
a pentagram carved into her forehead and her chest.
Speaker 2 (18:02):
The very act.
Speaker 3 (18:05):
And brutality of the killing stands alone, vulgar and heinous
in every way, indescribable from a standpoint of humanity, without
explanation that could ever cover the smallest of cracks and
(18:29):
what was done. Not a lot of women have been
on death row or been executed. As a matter of fact,
in Tennessee, it's been two hundred years and she'll only
be the nineteenth woman executed if they go through with this,
which I.
Speaker 2 (18:45):
Think they should.
Speaker 3 (18:48):
She also kept a momento from smashing in the skull
of this young lady. She took a piece of the skull.
She bragged about it to friends. Her boyfriend at the time,
to Darryl Shipp. Was convicted of first degree murder, sentenced
(19:08):
to life in prison, will become eligible for parole by
the way, in November, according to inmate records, she says
that she's changed and learned a lot since then. And
I have no doubt whether she did or didn't. I
mean they if she says so, sure, But there The
(19:31):
judicial system has a couple different purposes, one of which
is to protect. The most important to me is to
protect society. The second is to punish. But ultimately all.
Speaker 2 (19:53):
Of that has to be first to protect society.
Speaker 3 (19:57):
Someone who brutally murders someone like that, that takes a
momento of their skull and brags about it, has no
more place in society. I'm sorry you don't. You're going
to go on the teaching circuit about how bad you
were and how people No, that's for somebody who makes
a mistake. This is not a mistake. You're not going
(20:19):
to change people's hearts and say, hey, I did this.
I truly believe that when it comes to the death penalty,
that it is more humane to treat to treat another
human like they knew what they were doing, if they
(20:41):
were in their right mind, meaning that there was no
obvious you know, everybody's mental kill someone else, I guess
you'd say, but didn't have something specific that made them
stand out. They could be in court and they could
be prosecuted that it is less humane to put them
(21:01):
in the cage for the rest of their life, like
an animal who doesn't know the difference than it is
to put them out of their misery and to make
your area wherever you live, wherever she lived, wherever she
could go and cause more havoc safe. There are two
(21:25):
options in life. You put bad people in jail, or
they get executed for heinous crimes that are irreversible in
their own psyche and the psyche of the public in
which is supposed to be protected. You put them in
jail or the rest of us that didn't do those things,
(21:47):
or in prison with them because they're on the outs.
So either the entire country is a prison because we
decide to let people who don't deserve to be free,
who have done heinous crimes against the very system. We
all say, Okay, we're agreeing upon this. This is what
(22:08):
society is, and this is how it's got to work
for it to have structure and be strong and endure
and grow and be able to raise children. In so,
either you think you're better than these people and you're
so superior that they can't control themselves the way you can,
(22:34):
or you say they are my equal, and they chose
to go out of the bounds of what we've agreed upon,
and they need to be locked away or better yet,
in a heinous crime like this male female doesn't matter
to me. They committed a heinous crime of murder, especially
(22:57):
in the way they that they did. They're done, human garbage.
You have no place in society. Let God sort that
garbage out.
Speaker 1 (23:08):
God. Good doodle doo, folks. I'm Donald Trump, and there's
two things in the world.
Speaker 2 (23:13):
I love a good deal and a good deal. Join
me at Donald Trump's House of Widms. You we're making
you know me.
Speaker 3 (23:27):
We'll Trump Dancing Man is the best I want to
get into. Where Trump's focus lies on the next possible cancelation,
(23:47):
Who knows?
Speaker 2 (23:48):
In just a moment.
Speaker 3 (23:49):
First, I want to tell you it's Halloween time at
the Disneyland Resort and KFI AM six forty wants to
give you a chance to experience the frightful fun plus
the added excitement of Disneyland Resorts seventieth celebration. It's beautiful
out there, the parks are gorgeous. A lot of fun
foods as well. A Happiest Halloween has brought spooky thrills
and chills to both Disney California Adventure Park and Disneyland
(24:13):
Park now through October thirty. First offering subject to restrictions
and change without notice. Keep listening for your chance to
win a four pack of one day, one park tickets
to Disneyland Park or Disney California Adventure Park from KFI
AM six forty boom. So, President Donald Trump, you just
(24:33):
heard Trump's Wings. That's probably one of my favorite. They've
done a lot of skits on Saturday Night Live about
Trump and with Trump. That one was with Trump years ago,
and he talks about how it's the best part of
the bird. It's fantastic and he's dancing and they're singing
and everything. But that love affair ended after he ran
(24:57):
for the first time. Over the years, they were friends,
they'd have him on. He was kind of inseparable with
the vibe of New York City Show up in movies.
The President actually hosted the show in two thousand and
four and in twenty fifteen, so shortly after they announced
(25:18):
that his first run for presidency was going to take place.
It was kind of controversial at the time SNL decided
to have him come host. NBC's Top Brass defended the move.
They said, hey, he's a front runner runner and that
status among Republicans and the high ratings that produced made sense.
At the end of the day, he was on the
(25:39):
show for about eleven minutes and the earth didn't fall
off its access.
Speaker 2 (25:44):
But then.
Speaker 3 (25:47):
He was referred to as toxic and demented by NBC
Entertainment chairman, and so their relationship has gone south. So
right now with Trump coming out and saying that ninety
seven percent of what is said about him on television
(26:11):
is negative and that maybe he needs to look at
licenses and these types of things, which should shake you
to your bones. Not because I believe everything he says.
I do not, but a president saying that is not good.
E've been playing around. Like I said, if he came
out and said We're going to take away guns from Democrats,
(26:35):
that should shake you to the bones too. Anytime you're
messing with the Constitution, there's a problem. But now it's
there is some speculation. This comes from Caitlin Huemani from
The La Times says that maybe Saturday Night Live might
be in his crosshairs.
Speaker 2 (26:54):
He for some time has gone after it. Now.
Speaker 3 (26:57):
I've said this before on the Jimmy Kimmel thing. Stood
with Jimmy because you had the car from the FCC
and you had Trump making allusions to messing with free
speech on the air. And to me, that's different than
Roseanne Barr getting booted for saying racist things.
Speaker 2 (27:15):
Iking it to.
Speaker 3 (27:18):
Gina Carano being booted from the Mandalorian, which I thought
was a horrible censorship, even though they had the right
to do it because of the fact that they let
the Pedro Pascal stay on even though he said something
very similar prior. But one was conservative and one was
(27:38):
liberal and they were treated differently. But I still don't
believe Trump had anything to do with Jimmy Kimmel passed
the part of him saying those things. I don't know
that there's any evidence that he actually went to somebody
like Sinclair and said, hey, don't put him on.
Speaker 2 (27:57):
Could happened, but I don't know that there's any eviden
to that.
Speaker 3 (28:02):
However, if he goes after Saturday Night Live or things
like that, that's just straight up censorship, and nobody who
has any love or understanding of the Constitution should celebrate
that in any way, shape or form.
Speaker 2 (28:17):
So we'll see if he ends up trying to go
after that.
Speaker 3 (28:21):
They're firing all their funny people over there anyways, so
I'm not sure that it will matter, but we shall see.
All right, stick around, You've got Gary and Shannon coming up.
Bill will be back tomorrow. Thanks so much. Neil Svader
here and on about half of the morning crew. Thanks
for taking your time to hang out with us. We
know there's many radio shows out there, and choosing ours
means a lot. Have a pleasant flight and we'll catch
(28:45):
you tomorrow. With Bill Handle. This is KFI and KOSTHD
two Los Angeles, Orange County.
Speaker 1 (28:51):
You've been listening to the Bill Handle Show.
Speaker 4 (28:53):
Catch my show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app
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