March 13, 2025 • 53 mins
Rob and Becky are facing the financial realities that many homeowners dread - multiple expensive home repairs colliding with everyday budget challenges. Their journey through pool repair financing and potential HVAC replacement decisions offers a candid look at how couples navigate significant financial choices together.
When they discovered their grocery bill had already hit $400 halfway through the month despite actively trying to reduce spending, it highlighted how even careful budgeters can be surprised by inflation's impact on essentials. Add in an unexpected $500 car repair, and you've got the perfect financial storm that many households recognize all too well.
The heart of their story revolves around securing financing for a $23,000-$25,000 pool repair with monthly payments of approximately $252. After researching options, they found an 8.9% interest rate over 15 years would be more favorable than a 10.9% rate over 20 years. Their approach to fitting this new payment into their budget demonstrates practical financial problem-solving - they plan to redirect funds currently going toward another account that will soon be paid off.
What makes this couple's financial journey particularly relatable is their commitment to weekly "money dates" where they discuss finances together. This structured approach to financial communication has helped bridge their different money personalities - Becky's constant financial awareness versus Rob's preference to compartmentalize money discussions. Their honest exchanges about communication preferences show the human side of financial management that's rarely discussed but critically important.
Looking for practical strategies to manage your own home repair emergencies or improve financial communication with your partner? This episode offers valuable insights on researching financing options, getting multiple quotes for major repairs, tracking spending effectively, and creating dedicated funds for anticipated expenses. These real-world lessons from Rob and Becky's experience might just help you navigate your next financial challenge with more confidence.
Please join me on my different platforms and follow along my journey towards FIRE.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
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Speaker 3 (00:57):
This entire military is one pervasive, dedicated
force, and the threats to ournations don't sleep.
They're watching our every move.
Iran, russia, china, northkorea, isis, al-qaeda they may
be watching this right now.
Our military should not bemistaken for our cable news gab
(01:22):
fest show.
Speaker 1 (01:23):
We don't care what you look like we don't care if
you're not being mistaken forour cable news dad-pet show.
We don't care what you looklike.
We don't care who you voted for, who you worship, what you
worship who you love.
Speaker 3 (01:31):
It doesn't matter if your dad left you millions when
he died or if you knew who yourfather was.
We have the power of a machineof lethal moving parts that you
would drive to your death if younever took it.
We will not be intimidated, wewill not back down.
We don't want war.
(01:51):
We don't want war.
Speaker 5 (01:54):
But if you want war with the United States of
America, there's one thing I canpromise you, so help me, god,
someone else will win this timethan God military broadcast
(02:29):
radio, the station that's givingveterans a voice, find us on
the web at mbradiocom, and donot necessarily reflect the
views or positions of anyentities they represent.
This is Money in the Military,where your financial mission
starts now.
Speaker 6 (02:58):
All right, welcome.
Welcome everybody.
That is a new intro.
Thanks to Joel for putting thattogether.
I really like it.
It jumps out at you.
But just wanted to say thankyou for joining us.
This is Military BroadcastRadio and this is Money in the
Military.
So I'm a certified financialsocial worker and basically my
(03:20):
passion is helping people withtheir finances.
And basically my passion ishelping people with their
finances and I've been helping aformer coworker, friend,
roommate named Rob and hislovely wife Becky with their
finances these last couple ofsessions and I just wanted to do
a quick follow-up and thenwe're going to see what's been
(03:41):
happening with them.
And yeah, we're just going tojump in.
I'm going to add them to thestream real quick and we will
have them.
Hey, can you guys hear us?
This is the couch.
Speaker 7 (03:52):
Yeah, we got you.
Speaker 6 (03:54):
Good, good, good to see y'all All right.
We got a couple of weeks it'sbeen about two weeks since we
last talked.
I know you guys we've talked alittle bit offline and and you
know you guys been doing a lotof stuff.
Speaker 8 (04:08):
But uh, just in you guys's own words, just give us a
quick recap of what's happenedthe last couple of weeks well,
uh, we had to look up loans forthe pool and we've gotten two
loans back, like we like we didthe inquiry and they
pre-qualified us and stuff, sowe wanted to talk about that and
(04:28):
um, we've also been looking atour grocery spending and even
trying to spend less.
We still are at like 400already yeah, it's crazy I don't
know how.
I can see how, but like this islike basic stuff.
Like it's crazy yeah, and we'vebeen using the things in the
(04:50):
fridge and in the freezer makingsure everything's going out
getting the essentials is like.
It's only what halfway throughthe month it's becoming a
problem.
It's becoming a problem.
Speaker 7 (04:59):
Yeah, I think I think we may have to get rid of one
child.
Speaker 6 (05:02):
It's the only way that math works.
We do like a Hunger Games, likewhoever can survive.
Yeah, yeah, I'll do the games.
Speaker 7 (05:10):
Please give me the day yeah.
Speaker 4 (05:12):
All right.
Well, that's not fair.
Speaker 7 (05:14):
My younger one would always lose.
Speaker 6 (05:20):
She's going to be the hungriest.
Well, I mean, you know that'spart of this process, you know
is to is to kind of um, get thatawareness piece and just kind
of see where money is going.
And it's not always a prettypicture, but part of it is this
kind of those light bulb momentsof okay, yeah, Our, our grocery
bill is higher than weanticipated.
Now we can, like you guys,you're already trying, so you
(05:42):
probably already doingimprovements, doing improvements
on your grocery spending, yeah.
But, it's just the nature of theenvironment right now.
You know yeah, so okay.
So $400 in the first half ofthe month for groceries.
Any other big surprises?
Speaker 7 (06:00):
What did we get to quote?
So we got to quote back for thetool, and so it's not as bad as
we were thinking on the highend.
Speaker 6 (06:06):
Yeah, I mean it's still gut punch really.
Speaker 8 (06:10):
Oh yeah, I did have to get my car Needed a couple
things and that was $500.
Yeah, that was not.
Speaker 7 (06:19):
Now we're getting our auto savings.
Speaker 8 (06:20):
I have the savings, but I don't have it set up.
Speaker 7 (06:25):
But I don't have it set up, but I don't have
anything in it yet, so now we'rein the negative in that.
Is that how it's supposed towork?
Speaker 6 (06:29):
Yeah, yeah, yeah, that's exactly it.
Well, soon we'll catch up onour savings in that aspect.
Yeah, okay, that happens, thathappens.
That's life.
Yeah, sadly yeah.
Speaker 8 (06:48):
All right.
Speaker 6 (06:48):
So yeah, it does come up and so, yeah, but like we're
trying to get ahead of thecurve, so that's a good.
You know, I mean I hate, I hateto to be to be right.
But you know, like I literallywas like, yeah, well, you know,
guys have maintenance for yourcar, kind of fund, and sure
enough, that's what happens.
But yeah, you know, I literallywas like, yeah, what do you
know, guys have maintenance foryour car, kind of fund, and, and
sure enough.
Speaker 4 (07:07):
that's what happens, but uh, you know, I say that
just to basically highlight.
Speaker 6 (07:10):
Yes, these you know car.
Even in newer cars sometimesyou want to have a little bit of
money set aside for any kind ofunexpected things that come up.
Speaker 8 (07:20):
So sending me a thing and I had to get a new battery
and then I had to get like therewas some sort of something.
They were like this is going tobe $200 also and I was like
great.
Speaker 6 (07:30):
It piles on usually too.
Okay, alright, so we got the.
I guess in general, for thepast like month or so since
we've started this, have youguys found some like positive
momentum in certain areas.
Speaker 8 (07:50):
We've been going on money dates, and so we've been
talking about money.
He's more aware of what's goingon.
Speaker 7 (07:56):
Yeah, I was clueless before he doesn't like talking
about it between money dates.
But I mean the rule is on themoney date, joey, you can make
that very clear.
Speaker 8 (08:03):
No shop talk outside of money date time, but I'm
always thinking about it.
So I'm like, what do you thinkabout this?
And he's like, is it money datetime?
Speaker 7 (08:11):
Am I wrong here?
I mean, let's stop burdeningourselves with stress.
We know it's coming up onSaturday.
We'll talk about it.
Unless it's like a giantemergency, Like we need to burn
day, Rob.
I'm like, why are we evenhustling?
We'll talk about the budget.
Speaker 8 (08:23):
I think about it all the time, it's just always there
.
Speaker 6 (08:30):
Maybe because I was.
When are you guys doing yourmoney?
Dates Just once a weekSaturdays yeah.
Speaker 7 (08:37):
Don't you do it.
No, no, no.
Speaker 6 (08:39):
I think, yeah, no, that's a good, at least a weekly
session, that's fine.
I mean if think, yeah, no,that's a good, that's a good
like, at least a weekly session,that's that's fine.
And and I mean if, because itsounds like rob is, is a key,
compartmentalizes and he's ableto not think about it, whereas
beck you, you're, you're likeyou said, you're constantly
thinking about it.
I'm that, I'm that way too.
So, um, I kind of maybe there'ssome middle ground there, but
(09:00):
for now let's just kind of keepit to the money dates, and then,
you know, like, um, you know,we'll, we'll figure something
out for for, uh, I don't know,maybe like a wednesday emergency
, like if it's like hey, myhead's gonna explode if I don't
tell you this that's like amidweek check-in yeah, I guess
maybe like a thursday yeah joe,if you're gonna side with her
(09:25):
the whole time.
Speaker 4 (09:25):
I'm not being insane, all right.
Speaker 6 (09:31):
It's reasonable.
Yeah, I'm just over there.
Right, and I mean okay.
So, Rob, since you've been thestick in the mud of this, how
has this been for you?
It's pretty good.
Speaker 7 (09:44):
Like, honestly, I wish I would have known it.
I wanted to know it.
It's just like I didn't want toknow the dash traits of it.
You know, I was kind ofignoring it just for the fact
that I knew it was like I knowthis is going to be a burden
once I know this.
Speaker 4 (09:56):
So it's kind of why I was avoiding it honestly.
Speaker 7 (09:58):
Yeah, yeah, and that's pretty, it's been another
tie opening is nice because,like I can feel the stress come
off of her shoulders, I can justsee it with her walking around
not having to bear the burden ofall the financial stress.
It's just something I didn'tthink about until I shared it
with her.
Speaker 8 (10:15):
But if I was free to talk to you about it through the
week, that would take up evenmore.
I'm just saying.
Speaker 7 (10:20):
I know I'll pick a day.
No, I'm not going to pick adate.
Speaker 8 (10:24):
We've got to figure out a way for you to be okay
with us just talking about it,because I need to talk about it,
because that's the stress on me.
I need to get it off of me andonto you.
Speaker 7 (10:34):
Okay, how about you just text Joey that?
Oh my goodness.
Speaker 6 (10:46):
I'm sure his wife will be.
Like I said, I live for thisstuff, so, yeah, I mean whatever
, whatever we can work out,that's fine.
I don't want to stress you guysout too much but I do like I
like the you know, the the moreopen communications, the you
know the willingness to try anddo things that are maybe out of
your, both of your comfort zones, you know.
(11:12):
So maybe you know like there isthat middle ground for for both
of you.
You know, um, becky, you couldmaybe try to learn to pull back
a little bit and and even androb can can jump in I need to
take more responsibility hasbeen my biggest.
Speaker 7 (11:23):
Yeah, very responsible Most of my life.
Speaker 6 (11:25):
Yeah, well, you know, and that's that's like I said,
that's why you you jumped in andand you were like you reached
it.
So you reached out to me, sothat's that showed to me that
you were serious, that youwanted to do something different
.
So so it's a good sign and Iappreciate you guys as
transparency and honesty and andyou know, like it's like I said
(11:46):
, you guys are like the modernAmerican couple right now and
what you guys are going throughis pretty common, but it's also,
it's still unique to you guys,and that's where that whole
personalized session comes intoplay.
But, yeah, so so we got, we gotsome communications.
We'll set some boundaries,we'll work on that.
(12:07):
But any other unexpected thingsor anything that just kind of
caught you guys off guard, we'llchange.
Speaker 8 (12:21):
What was that the snacks?
What was that the snacks?
When he's at work he buys likelittle $3, $6 snacks like every
single day and we were able tolook at it from last month and
we saw how much it was and hewas like whoa.
Speaker 7 (12:39):
You know, like it's just you know, until you see it,
I said it just like that, bythe way, too, whoa.
Speaker 8 (12:47):
So he noticed it and he was like, okay, I need to cut
that back and we can just buymy snacks at the grocery store
and it'll be cheaper, you know,rather than a three dollar, I
don't know four hundred dollarbill already half the month, but
you add another hundredsomething dollars on top of it.
Speaker 7 (13:02):
don't't tell them you didn't hear that number.
I forget that number.
Yeah, all right.
Speaker 4 (13:07):
Well, there's a lot of money and we need to cut that
back.
I do.
Speaker 7 (13:10):
I need to cut that back.
You just don't think about it.
Speaker 6 (13:12):
It just adds it up, absolutely.
Yeah, it's a common thing, youknow, like, especially when
you're lunch or something andyou need something, so I get
that part of it.
But if it's a regular routinething, then it's something that,
yeah, you just go to the storeand have it ready to go and then
you just take it to work withyou and then that saves you that
(13:33):
three to six bucks, you know,and that adds up, like you saw.
Um, yeah, so so you guysalready changed that, that habit
or that.
Speaker 7 (13:43):
Um, you've already kind of started that well we uh
we have the ideas of a plan theconcepts of a plan, right yeah
I'm gonna write it down it willbe put in there.
I'll bring some food.
I haven't picked up my snacksyet, but next grocery shop we'll
do it you guys do, guys doCostco or Sam's or anything like
(14:05):
that.
Costco, yeah, and then we'llthrow in some Aldi too and stuff
that we can get there.
Speaker 8 (14:10):
Oh, we do Costco for like the big stuff.
Speaker 6 (14:12):
Yeah, yeah, yeah, okay.
Well, I mean, if it's somethingthat you guys can get, that'll
save you guys even more money.
You know, if you buy it in bulk, even Aldi's get more expensive
.
I mean, everything is yeah,yeah, it's, it's going up all
around.
Um, yeah, so all right.
So we got some some goodinsights.
So I really like that.
Um, and then the.
(14:33):
The next step is going to bethe, the changing of the
behaviors, which is usually thefun part.
Um, which you know you'vealready.
You already wrote it down.
I saw you guys writing thingsdown, which is good, and you
guys are really good students asfar as like homework
assignments, so I reallyappreciate that.
I wish everyone was thatstudious.
(14:54):
It's probably mostly Beckyright now.
I'm just going to be honest,but I know, rob, you're trying,
you're trying.
So kudos to you both.
Participation, I'll take it Allright, so all right.
You guys wanted to talk alittle bit about the loan stuff,
right?
Yes, so the update that youguys gave me was 27 or 23?
(15:19):
23.
Speaker 8 (15:20):
23,.
But the loans that they'veapproved us for are 25.
Yeah, 25.
Yeah, just in case there'scause.
They said that they could be itcould go up because they may
need more staples in the bottomand all that stuff.
Um, so one of the places had aninterest rate of 10.9 or 10.5,
(15:41):
something like that, and thenthe one I just got today had 8.9
.
So that's better than the 10,but that's still.
Is that still high, super high?
I don't.
I don't know what high is forloans like that.
Speaker 6 (15:55):
So yeah, with those types of loans they are
generally higher than like a carloan, but, um, but, yeah,
that's a little high, but Iwould say for what?
The size of the loan, it's nottoo far off, I think.
Honestly, the 8.9 is probably apretty solid number right now.
Speaker 7 (16:17):
So what if, technically, we're paying more
on top of that?
So how much additional on topof the money that we're getting
are we paying on top of that?
Speaker 8 (16:33):
For the difference between the 10 and the 8, or
just any of them, either one.
Well, okay, so the 10, the 10or 10 loan was over 20 years and
the 8.9 loan was over 15 years.
So it was a little.
Speaker 6 (16:43):
It was a little shorter too yeah, yeah, so
you'll save more money in the inthe long run on interest on the
15-year loan.
You know just like, yeah, um,but it's payment's going to be
higher, right, probably?
Speaker 8 (16:57):
it was very close, which I thought was weird.
It was, yeah, it was.
Uh.
Let me look at the other.
Oh, it's, it's on my computer.
Speaker 7 (17:06):
It's too far, the computer's too far, too Well
it's fine.
Speaker 6 (17:09):
it's fine, they were both in the 200s.
Yeah, okay.
Speaker 8 (17:13):
It wasn't.
It felt like it could be a carpayment, but like a Bobby's old
car payment, you know, and but Ijust thought, like the, the 15
year one, like you said, wouldhave less interest over the long
run, cause five years, uh,sooner or shorter.
And then I asked them ifthere's any penalty for uh
(17:35):
paying it off early and theysaid no, we can.
We can still pay it off early,cause I mean you get there,
hopefully get your bonus everyyear.
I'll see profit sharing, andyou know they could put a couple
thousand extra toward it yeah,yeah.
Speaker 6 (17:50):
So, yeah, that's that's a that's a good idea.
Honestly, that's that's onething I was going to ask.
Is you already asked thequestion like do you get the
prepayment penalty?
So you're doing your homeworkonce again and, um, you know
it's gonna.
It's gonna end up paying off inthe long run too, because, like
I said, you're going to youthrow on extra payments on top
every so often and then, yeah,it's just going to accelerate
(18:12):
the payment or the debtreduction and yeah, I mean, 15
years sounds like a long time,but I'm pretty sure you guys
will knock it out much fasterthan that.
So, um, and then by locking inat a lower rate or a a locked in
rate, then you're not going to.
You know it's not going to be aup and down rate, you know like
(18:33):
a variable rate or anythinglike that.
So you're you're going to belocked in and you know, once
it's done hopefully, fingerscrossed you don't have to worry
about this for a long time,right, um?
Speaker 7 (18:44):
I got.
This might be a dumb questionwho sets the interest rate?
Who sets that interest rate?
Speaker 8 (18:49):
like.
Are we able to ask them?
Is it like supply and demand?
Speaker 7 (18:52):
don't you want our money?
Like hey, you might want todock that down like five are
they able to do that?
Speaker 8 (18:57):
how does that work?
Speaker 7 (18:58):
because I mean we're pretty, like our credit's
awesome.
It's like you're gonna get yourmoney.
Sure, you want to knock thatdown a bit because we're going
to shop this around.
Speaker 1 (19:06):
Right, right, nobody's getting loans right now
.
Speaker 7 (19:08):
So who sets that interest rate?
Is that like globally set, oris that on whoever's giving it?
Speaker 6 (19:12):
to you.
It's usually set by the bank,but then the industry as a whole
kind of has, like they havethis almost a shared
understanding of like all right,well, we're going to keep it
like kind of sort of similar toyou guys, so like you know, and
if some bank suddenly says, okay, we're going to do six percent
or five percent, then they'regoing to just get flooded with
(19:33):
with applications becausethey're going to be so low.
So so there's kind of a greatproblem right, but part of it is
just the market, you know.
Speaker 7 (19:42):
So, like if the banks , so they won't change it so you
can't even argue with themabout it or they just laugh you
off.
If you did it because like itseems like that would make me
mad in that conversation I wouldjust get angry because it seems
like like dude, we're about topay you, like we don't miss our
payment well, I think what?
Speaker 6 (19:59):
what you could do is you could actually negotiate in
the first part of it and justsay, look, I, I've got rates
that are you know.
Basically, you show thereceipts just like a car
dealership.
Speaker 8 (20:08):
Yeah.
Speaker 6 (20:09):
All right, Well, you know so-and-so down the road is
going to give me, you know, 8.9%.
Can you match that or do better?
So yeah, you definitely cannegotiate.
Speaker 8 (20:18):
Oh, okay, but what if they are the ones that do the
8.9%?
Speaker 7 (20:23):
You just got to make somebody up, and why?
So we got seven over here atChase.
What are you going to do?
Speaker 6 (20:28):
bro, you could bluff it, you know.
If they're desperate enough orthey're there, they need the
money, then yeah they'll.
They'll be like all right.
Speaker 7 (20:39):
I guess I could email or something or talk to.
Speaker 8 (20:40):
I don't know, I like this company because it was a.
It was like a smaller kind ofcompany and they give a discount
to veterans and I thought thatwas cool.
But then I asked and we didn'tqualify because we didn't have
any fees on the thing.
And I was like it wasridiculous.
Speaker 9 (20:55):
So that's why I kind of like them anyway.
Speaker 7 (20:58):
They're nice.
When they came, I really likedthem.
Speaker 8 (21:00):
Oh, no, no, not them.
I was talking about thefinancial people.
Speaker 7 (21:04):
Oh you're talking about Nancy or whatever.
That lady's name was Janice.
Yeah, janice, janice is sweet.
I talked to Janice.
Speaker 8 (21:10):
Yeah, janice had, she's a smoker, you can tell.
With a raspy look, she joggedlike this yeah, yeah, exactly.
Speaker 6 (21:25):
We'll take a quick little interlude, a break, and
then we'll have to come back foryou guys.
But this is a new song thatlaunched from Mr Coffee.
It is Can't Spell Hero WithoutHer, so a nice little tribute to
the ladies in your life.
So, alright, we'll be rightback with Becky and Rob.
Speaker 9 (21:48):
Thank you.
Signed up to fight for freedom.
What a price you had to pay.
Picture in her helmet, missingfamily every day.
(22:11):
Your lady liberty, dressed likeGI Jane Some scars we'll never
see.
She will never be the same.
She's a mother, she's adaughter, she's a sister and a
friend, standing tall in thatuniform.
Until the very end, when UncleSam called, she signed that line
(22:38):
to serve Cause you can't spellhero without her.
On that old, dusty base withthe meadows that shine.
(22:59):
She's been to hell and back forthe stars and the stripes.
Your lady liberty, dressed likeGI Jane We'll be right back and
(23:21):
a friend standing tall in thatuniform.
Until the very end, when UncleSam called, she signed that line
to serve cause.
You can't spell hero withouther.
Yeah, yes, for the ones thatdidn't make it, we were pausing
(23:53):
and we cried.
We can still see their smile Inevery sunrise.
She's a mother, she's adaughter, she's a sister and a
friend, standing tall in thatuniform.
Until the very end, when UncleSam called, she signed that line
(24:19):
to serve Cause.
You can't spell hero withouther.
Cause you can't spell herowithout her.
Cause you can't spell herowithout her.
Speaker 4 (24:36):
Hmm, military broadcast radio, the station
that's giving veterans a voicefind us on the web at mbradious
(24:56):
opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
of any entities they representfind us on the web at mbradious.
Speaker 6 (25:12):
All right, we are back.
That was Coffee Anderson, aveteran, great song for the
female veterans in your life.
So just thank you for that.
For Mr Anderson, he's actuallybeen on the show or not my show,
but he's been on NBR beforeGreat guy, and just if you're
(25:32):
yeah, other veterans, musicians,you know we will definitely
support you guys and show yourmusic and share it with the
world.
So, all right, so we are back.
This is Money in the Militaryand we have Becky and Rob, our
fearless participants of thiscrazy little experiment that
(25:53):
we're doing live financialcoaching for the pool repair,
which is going to be around 25K.
Right, is that what you guysare settling on?
Okay, and that's going to run.
You said around 250-ish orbelow 250?
(26:14):
.
Speaker 8 (26:14):
We have it right here .
Yeah, I ended up getting thelaptop, or Robbie got the laptop
, it said.
Speaker 7 (26:21):
I do contribute to this.
I did get the laptop.
You know you said I don'tcontribute financially.
Here we go.
Look at me.
I did get the laptop.
You know you said I don'tcontribute financially.
Speaker 6 (26:26):
Here we go, look at me.
Speaker 7 (26:27):
I have access to all the accounts now, by the way.
Just throw that out there.
Speaker 6 (26:32):
Yeah, that's actually something that doesn't happen
very often.
Speaker 7 (26:35):
I never had that.
Speaker 6 (26:38):
It was all the logins .
Speaker 8 (26:40):
No, you don't have the logins.
Do you have the logins?
Oh, you don't know.
Do you have the logins?
Oh, no, 252.
252.
Yeah, 252.
Speaker 6 (26:48):
All right.
And then, as far as when youguys crunched the numbers, you
guys felt like that was okay,you guys have the wiggle room
for that.
Speaker 7 (26:58):
Oh man, I don't know, we never really crunched the
numbers on it.
Honestly, we wanted to talk toyou and then make make a
decision.
Speaker 8 (27:06):
Right now we're paying our care credit account,
care credit card, um, and that'sabout 200 ish, because all of
our contacts and glasses andstuff go on there, because it's
terrible vision, yeah it's greatwith the body so bad.
so, um, that all that's on theon the care card and we're
paying about $250 a month onthat and that'll be done very
(27:29):
soon I think it'll be just acouple months.
But I was thinking we'd justpay that off and then just pay
the $250 a month on this instead, you just have so many holes.
It's like what do you want?
Speaker 7 (27:40):
to try to throw some money in.
Do you want it over here?
And then the hole's still there.
Yeah, I guess, pay off.
I would pay it off, right.
Speaker 6 (27:51):
Yeah, I mean you guys need to make room for this
expense and it kind of just fitsright perfectly almost you know
what I mean.
Speaker 8 (27:57):
Yeah, that's what I was thinking.
That's something that's beenevery month for a while and it's
almost done.
Speaker 7 (28:04):
Yeah so you need the government.
Tell the government to studylike mechanical eyes, so I don't
have to keep paying for this oh, bionic eyes, that's uh.
Speaker 6 (28:13):
Surely that's coming right.
Uh were those cool contactsfrom like minority report maybe
that would be the best.
Yeah, we'll get there.
We'll get there.
Um, all right, cool cool.
So we kind of figured that partout.
So it looks like that 252 wasthe 15-year at 8.9%.
Speaker 3 (28:34):
Yeah.
Speaker 6 (28:34):
Yeah, All right, you guys, I think honestly.
I mean, obviously the numbersmake sense, the lower interest
rate, but shorter payoff periodand you're going to save money
on interest in the long run, soit seems like a no brainer to me
.
Um, for the 15 year loan, Um,so uh, did they give you guys
(28:56):
any kind of window of time whereyou have to make a decision, or
anything like that?
Speaker 8 (29:00):
No, I just talked to him today on the phone and so,
um, I said I talk to my husbandand we'll make a decision, and
he didn't say anything.
The first place just sent me athing saying if you don't answer
by the time this, it'll expire,or something like that, and I'm
like please, hopefully tell youwith the, uh, the limited time
window.
Speaker 6 (29:21):
Um, you know, yeah, the offer is only good and to
some extent you know, like whenyou bought up, when you you buy
a house, there is there is someof that.
You know where you lock in therate and they could go up or
they could go down.
So I mean, more than likely,the rate once you lock it in.
You know it'll be good to go,but but, yeah, don't be, don't
(29:44):
be, don't be, feel pressured tomake a decision.
You know, like, especially whenthat, yeah, that big I liked
that.
Speaker 8 (29:52):
They said there was an option to pay the contractor
or there's an option to pay us,and then we'd pay the contractor
.
I said, well, how soon would weget the money in our account if
we did that way?
And they said um same day.
I was like, oh, okay, so I mean, that's, that is an option.
What was the option they wouldgive?
They'd give us the money andthen we'd pay the contractor.
Speaker 7 (30:14):
That seems like a great option it wouldn't go like
in our regular checking accountI don't know if I'd be here the
next day after we did thatGoing to Mexico 25K.
Speaker 6 (30:26):
Oh man.
Speaker 7 (30:29):
No.
Speaker 6 (30:29):
I don't know.
Speaker 7 (30:30):
Do you think that's a good option?
As long as we separate thefunds right, we put it in the
whole thing.
Speaker 6 (30:37):
Yeah, yeah, I mean, when it comes to big projects
like that, sometimes it isbetter to pay the contractor
directly.
But if you don't want to dealwith the hassle of that, then to
have and pay the contractordirectly, but you know, if you
don't want to deal with thehassle of that, then yeah, I
mean you can just have thecontract.
I mean as long as you trust thecontractor, because you know
there are situations wherecontractors will kind of stiff
you sometimes, but generallywhen they're working with like a
(31:00):
financing, like, they'reusually pretty solid.
You know, it sounds like yougot pretty good vibes from you,
the the pool, um company.
So yeah, I wouldn't, I wouldn'tworry about that too much.
But as far as which, which path, um, you know, uh, I don't know
if I trust Rob at this point,but um to to handle that, no,
(31:22):
but, but yeah, I think I thinkeither or is fine, but uh, but
yeah, I me personally, I wouldprobably rather just have them
go directly to the contractor.
Speaker 7 (31:30):
But oh, okay, yeah, okay, yeah I mean, it's just we
have access to that, but I don'tknow okay yeah, so I did want
to ask uh and follow up on the.
Speaker 6 (31:42):
I know you guys, we last time we talked about the ac
, the, the ac unit I was goingto ask you about that, yeah yeah
, okay.
So what, what, uh?
What did you guys figure out?
Or did you kind of come up withany rebates?
Speaker 7 (31:53):
or let it burn well, I, I want to redo
Speaker 8 (31:56):
it because I I think that it'll save us money in the
long run by making our energybill go down.
I don't know if that's true inthe summer, but they said it
would really help in the winterbecause of the new heat pump,
and I'm worried that if we don'tdo it, we're just going to be
paying extra every single monthand it wouldn't make sense.
Speaker 7 (32:17):
Here's my suggestion on that let's just wait till the
winter.
Speaker 6 (32:20):
Probably cheaper to get an AC done in the winter and
, if it craps out, in the summerwe're screwed anyways I don't
know but well, so the the otherpart, did you guys look into the
financing of that as far as howmuch?
(32:41):
Because I mean, that's going tocut into your budget and you're
going to have to find uh, youknow, find that money somewhere,
right?
So did you guys look?
Yeah, I think last time we saidnine thousand or something like
that.
Speaker 7 (32:52):
Yeah, it's about 10 grand.
Speaker 8 (32:53):
Well, that's OK.
So I did look into it.
That was eighty seven hundred,and the financing that they
offered was like twelve pointsomething percent interest and
then.
So I called the companydirectly, because that was
through our home warranty.
When I called the companydirectly, they said they can't
do that price unless we use thehome warranties financing.
(33:18):
They'd have to raise it, butthey'd give us zero apr for
three years.
They'd raise it to 12 000,though, and then give us zero
apr for three years.
They raise it to $12,000,though, and then give us zero
APR for three years.
Speaker 6 (33:31):
So I don't know that's tough, because basically
they're saying we're going tocharge you more money, but we're
not going to charge youinterest, and that's usually how
they get you.
They kind of sneak you thosehigher total debt.
Now did you ask about theprepayment penalty on that one?
Speaker 8 (33:48):
No, oh, I don't remember.
Speaker 6 (33:51):
Yeah, because sometimes those promotional
things they don't allow you todo without some type of
prepayment penalty because, likeI said, they're trying to get
their money, you know, any waythey can.
But yeah, that would besomething I would maybe ask
about, because if you're able todo a 0%, that would be nice,
(34:13):
and then if the payment isreasonable and you can pay it
off early, then it might makesense to go ahead and lock in
the 0%, just just because youknow, like, like, like you said,
this is like feels like it's aticking time bomb and you know,
like, you guys are expecting itto go out.
So in it.
With that kind of context, itmakes to me it makes more sense
(34:36):
to go ahead.
Speaker 7 (34:37):
I'm not technically really expecting it to go out.
That's just what the guy said.
Speaker 4 (34:41):
Oh okay.
Speaker 8 (34:42):
Well, he's got like that predatory loan.
Speaker 7 (34:44):
So how much do I trust him?
Speaker 8 (34:46):
He, he wasn't that, no, no, his loan, that was the
guy from the company, fromService One, yeah, and the loan
that had the 12 whatever wasfrom our home warranty yeah, the
warranty people, yeah.
Speaker 7 (34:59):
Yeah, I'm following you, but the guys that came, out
here were talking to us aboutthe AC.
They were like you really needto fix it, you probably save all
this.
I mean is that true.
Do we know anything about ACs?
Do we get a second opinion?
Do you want to get a second?
Speaker 6 (35:15):
opinion.
Yes, because I want to know ifthat guy is full BS.
That's actually a good idea.
You did that with the pools, sowhy not do that for the HVAC?
That's true.
Speaker 7 (35:24):
We just relied on the home warranty too much.
I think we were like oh wetrust them.
That's probably a bad idea.
Speaker 8 (35:31):
Well, they weren't the home warranty.
People, people, they were justsent out by our home warranty.
Speaker 7 (35:33):
Yeah, that's what I'm saying.
We just trust them to send outthe best people oh yeah, that's
good to say gotcha.
Speaker 6 (35:38):
Yeah, yeah, because that's just contracted out by
the company.
So, all right, yeah, so I guessthat would be the homework for
you guys now is to uh toresearch the ac stuff, um,
because, yeah, like I think thelast when we talked about it and
and obviously it could be asales pitch, but like the idea
of your guys' utility bills isso high that it could offset
(36:03):
that, you know.
So, basically, if it's, youknow, $9,000, $10,000 loan, you
know that could be maybe$150,000 depending on the terms,
just like with the pool loan.
So there might be some way tokind of make it manageable
monthly payment as long asyou're, you know, as long as you
(36:25):
have it in your budget.
And then you know if it's goingto save you guys in the long
run, then it might make moresense to just go ahead and bite
the bullet and and do it.
But you know that is we'retalking about 35k of of of that,
you know.
So, um, but you guys don't haveany any other major debts,
(36:45):
right, like as far as just themortgage and like your cars,
right, yeah?
yeah, that's it that's all okaythen.
Yeah, you guys are actuallymuch better off than most.
I think Jack wants in, he wantsto be part of this again, but
all right.
So what do you guys I mean,what are you guys' general
(37:06):
feeling for the HVAC Like?
Do you guys think are you kindof in neutral right now or are
you thinking you know, justgoing?
Speaker 7 (37:13):
to.
I'm let it burn.
Let it burn, let's take care ofthe pool and you know, I'll
throw up some fans and open thewindows I am like let's get it
done.
Speaker 8 (37:22):
I don't want another massive high.
Speaker 7 (37:26):
Uh, massively so it's not going to be running what's
broken, so we're gonna savemoney there and then, okay,
we're gonna have to pay the fullamount.
Whether it breaks in the middleof the summer or not, we're
paying that full amount.
We'll just have to like, reallyget a loan really quickly.
That's a wheel and deal, butyou can see we disagree on this.
Speaker 8 (37:47):
I think we should get it done I'm more of hey, that's
not tech.
Speaker 7 (37:51):
Let's not put on the giant boulder.
Let's put, you know, let's puta couple big boulders on this?
Speaker 8 (37:55):
Well, we're going to need to do that, boulder, anyway
.
Speaker 7 (37:58):
Yeah, but it's still on the hill.
It's teetering.
That's right there on the hilland we don't even know it's
teetering.
We had a hillbilly go up thereand check it.
Okay, well, what we're?
Speaker 8 (38:04):
going to do is we're going to get it changed my
analogy hopefully that works.
Speaker 6 (38:18):
See, there you go.
We figured out a middle ground.
Speaker 7 (38:23):
This is the nicest argument we've ever had.
Joe, I'm calling you up whenwe're in one.
Speaker 6 (38:29):
Yeah, once the recording is over, we're going
to.
Speaker 7 (38:33):
You can see the microaggressions right there.
Oh goodness All right?
Speaker 6 (38:39):
Well, like I said, this is a tense.
We are talking about bignumbers here and you guys are
trying to do your due diligence,but it is stressful adding more
debt to your debt load.
It's scary man Because our debtscary is going up to it, but
it's like I'm scared of doingthat much in all honesty yeah,
(39:03):
yeah, no, that's, that'scompletely fair because, like,
like you said last time, you'relike well, what if I lose my job
, you know?
and then yeah I'm worried aboutthat this loan and that's a
that's a fair and valid concern.
You know, um, so that's where Ithink we haven't really had a
chance to really dive into thenitty-gritty of your numbers,
(39:23):
like your actual monthly spend.
But, like, since we've startedthis, have you guys started to
get a feel for, like the the insand outs and outs your outgoing
versus your incoming?
Speaker 8 (39:39):
I think I want to kind of see, because we started
kind of in the middle ofFebruary and now we're in the
middle of March and so I kind ofwant to see, when we get to the
end of March, what it lookslike there.
I mean, there's been a couplebig things, but this has almost
got like a normal month Standardminus what else.
Speaker 7 (39:55):
What was a big thing?
It was just a car.
And then I had to do myinspection this month too.
Speaker 8 (40:00):
I mean, so did I, but those were like, that was a lot
my oil change costs a lot.
Speaker 7 (40:06):
It was like $150 something, which is crazy.
Speaker 8 (40:10):
But I feel like yeah, I mean this just seems like
about a normal-ish month.
Speaker 7 (40:17):
We do have a birthday coming up, though, so I'm sure
there will be some spending onthat yeah, but I've already
bought the tickets, I've alreadybought the hotel room.
Speaker 8 (40:26):
The only thing would be, like the stuff on the actual
day, like the food.
We're going to the Stars gameand then taking a couple of our
friends and going I'll be payingfor, and then, um, taking a
couple of our friends and going,oh, I'll be paying for dinner
that night with a couple of ourfriends.
Speaker 6 (40:37):
So that'll be 300 million well, I mean, that is
something that you guys can alsodo, like the preemptive, like
if you know, you know birthdaysare going to happen.
So, just like with thechristmas spending you could,
you could maybe just merge thator increase that to, instead of
just Christmas spending, itcould be like gift spending,
(40:58):
that's a good idea.
Speaker 7 (40:59):
That's smart.
Speaker 6 (41:00):
Yeah, I like that.
That way.
Yeah, like you said, you'regoing to have Christmases, your
birthday presents and justrandom things, anniversaries.
So yeah, I mean $50 a month orwhatever you guys can bump it up
to, would help out.
You know when those expensescome up.
Speaker 7 (41:20):
I think it's just a standard procedure, right?
You know you have an expense,just sign it and then start
saying it for you Like.
Speaker 8 (41:26):
why wouldn't we think of that before?
Why didn't we think?
Speaker 6 (41:30):
of that before.
Well, because a lot of timesall these spinning plates, you
know you're just kind of you're,you're reacting a lot of times
and you don't even feel like youcan get proactive.
So so it's, it's a really kindof a mindset mindset shift in a
lot of ways that we're notreally programmed to do.
You know, I mean, like, likemost, most of us, when we get
(41:50):
our first jobs, we're, we're,we're not really thinking ahead
like that.
You know, so it does.
It does take some foresight andsome planning, but once you get
it automatic, then you then,like I said, your, your future
selves are going to be like, ah,thank you guys for doing that.
You know, um, but uh, but yeah,so that's, uh, that's what I
(42:11):
guess, that's what that would be.
My challenge to you guys is toto have a good number of like
your, your, if you have asurplus, so like you know, like
maybe for the month of February,like all right, we spent this
amount and then we had thisamount come in, so we had a
surplus of $500 or whatever youknow.
So that way you can kind ofstart tracking and seeing, like
(42:34):
if there's any other, if there'sany more wiggle room in your
budget because you might, youmight actually be better off
than you think.
You just, you're just kind oflike you know you're, you're
still in that reactive mindset,so, um, so yeah, that would be
my challenge for you guys is tojust, uh is to to really work on
your outgoing and incoming andand maybe start to track that
(42:57):
and then we can talk about likewe made a lot more than I
thought.
Speaker 8 (43:00):
I thought it was a lot less of that we made, yeah,
that much, but then this is whatyou got your um, your bonus and
so that's why the numbers werekind of weird.
Yeah, like it says that we weresuper duper under budget, but
we were not, I guess, includingthe it's okay to see it say that
(43:21):
for once.
I know it's green.
Speaker 6 (43:25):
What a concept, what a number?
Speaker 8 (43:27):
I know.
Speaker 6 (43:28):
What is that like Number in the green?
Yeah, oh man, oh man.
So that's, yeah, that's somehomework for you guys.
You're gonna do, uh, somequotes for the hvac.
Um, you're gonna I guess youknow have to make the final
decision on the pool.
Um, we've already set up someautomatic savings goals.
(43:52):
And see what else we talkedabout, your I didn't have a
question on the pool.
Speaker 7 (43:59):
Should we wait to see what happens with, like, the
stock market and stuff?
Speaker 6 (44:03):
it seems like a bad time to like make this decision
or no, well, like some, somepeople would say that you want
to lock.
Like I said, lock in.
Well, that's the thing.
The the estimates now, andthat's what I would.
I would be curious to see onthe contract or whatever they
put out there, like is is this25k firm or is it adjustable
(44:25):
based on market rates?
so that's yeah I would have todo some research and maybe
figure it out yeah, so like if,if it's a firm, firm number,
because I think, if I remembercorrectly, they do kind of have
to like itemize everything andthen honor that, but I'm not a
hundred percent sure on that.
I'll, like I said, research onthat.
Um, because I, yeah, I I getwhat you mean.
(44:47):
Like what if?
What if the market tanks, andthen you know there's so many
unknowns in that, in thatrespect?
Speaker 7 (44:54):
but yeah, and that's what's so scary, because, like I
, then you know there's so manyunknowns in that, in that
respect, but yeah, and that'swhat's so scary, because I don't
know what's gonna happen.
Speaker 6 (44:59):
It's like yeah, I don't think anybody does.
Economists are like I don'tknow.
I was like, oh, just like, oh,we'll see what happens.
Um, yeah, but, uh, but yeah,but you guys are doing the right
thing.
You're doing your homework,you're doing your research and,
uh, you know, now you're kind oflike digging through your
finances.
Speaker 7 (45:15):
Hey what was it Hold on?
What was it Depending on whatAdjustable on the market Was?
It firm or adjustable,depending on the I just want to
make sure I get the notes rightwhen I ask.
Speaker 6 (45:26):
Yeah, basically is the goods the raw goods or raw
materials.
Is that like a fixed number?
Speaker 7 (45:35):
Oh, fixed material.
I didn't even think about that.
Speaker 8 (45:40):
Oh, do you mean like the pool people?
Speaker 6 (45:42):
Yeah, the pool people .
Speaker 8 (45:43):
Oh, oh, oh.
Speaker 9 (45:44):
Oh.
Speaker 7 (45:48):
Okay, the pool people's not fixed, it's
depending on materials.
He did say that, but he's here,so we should get it soon then.
Well, materials are not fixed,it's depending on materials you
did say that, but he's here.
Speaker 6 (45:55):
Okay, I remember that , so we should get it soon then
well, materials are high rightnow oh yeah, well, I mean, now
you're trying to time the market, and that's kind of tricky to
do like um, you know, I think, Ithink you know the the price is
going to end up being the price.
You know, like there's not,there's only some.
If they're, if they're notgoing to have any kind of like
(46:15):
solid number, that likeguaranteed number, then yeah,
you are going to be at the mercyof the markets to an extent, um
, and that's just, that's justthe.
You know, that's just theeconomic reality that we're in
right now.
Yeah, um, but you know, like Isaid, you're doing your research
, you're doing your duediligence and you know, like
that's and that's what you guysare doing, it right, all right,
(46:39):
well, let's see.
Let's recap we got groceriesmore than expected, yes, but you
guys are trying to figure outhow to make that go down right,
trying to figure out how to makethat go down right.
And then we got the unexpectedcar expense.
(46:59):
But now we have the carmaintenance fund in motion.
We got the pool.
We're looking at around 252 fora 15-year at 8.9%.
We're going to research theHVAC.
Speaker 7 (47:18):
We'll get another guy out here.
Have a couple guys take a lookat it.
Speaker 6 (47:21):
I would say at least three quotes would get a good
number Consistent.
This is what they're saying.
Speaker 7 (47:30):
I'm going to do some research on AC.
If he says something I'm goingto know, I'm going to go deep at
ac so if you said something I'mgoing to know I'm going to go,
I'm going to go deep there yougo deep dive and just outdoor
units.
Speaker 6 (47:41):
Now that's it.
And then, yeah, we're going tohave to uh, we're going to work
on some, some, I guess, inincome outgoing, you know, get
to get a good like, a goodnumber of, like how much extra
do you have at the end of themonth, um, and then we can kind
of start budgeting a little bitfrom that.
You know, so, um, so yeah, sothat's.
(48:04):
And then maybe, like, if youguys still are interested, we, I
know, last time we talked aboutmaybe talking about some
retirement saving or investing-yes, yes, I really want to talk
about that yeah, yeah, and Ithink a lot of people are, you
know they, they want to knowabout that stuff too, so we can
do a whole, a whole session onthat probably.
(48:26):
But yeah, so how do you guysfeel you feel you know any any
better, worse neutral, I'mbetter now they know a little
bit more about the loans.
Speaker 7 (48:36):
That's kind of nice, I was scared about it because it
seemed really high.
But I'm going to try to wheeland deal a little bit.
See what happens there.
Maybe I get laughed at, maybe Idon't.
Should I try?
Speaker 8 (48:48):
to email, or should I just have Robbie talk to
somebody?
Speaker 7 (48:51):
Let me talk to him in person.
I do my best work.
Speaker 8 (48:55):
You can't get mad.
Speaker 7 (48:57):
Well, Janice seems like a sweet lady, it's not
Janice.
Speaker 8 (48:59):
It's not Janice.
This guy's name is DJ.
Speaker 7 (49:03):
I already don't like him.
His name's DJ.
Speaker 6 (49:08):
Oh man, oh man.
Speaker 7 (49:10):
I feel better about it though.
The AC, though I really don'tknow about that thing.
Speaker 8 (49:15):
We'll get some more estimates and see if it even
needs replacing.
Maybe it doesn't, maybe thatguy was just trying to.
Speaker 6 (49:23):
It could just need a good solid tune-up or some
maintenance and get it up torunning the way it's supposed to
.
Speaker 8 (49:30):
Yeah, but they did say that we use the old kind of
refrigerant or whatever it is onit in it, and we don't have a
heat pump, we have some coils orsomething like that.
So we have like an old, old one, I don't know.
So let's see what the other guysays All right, or lady?
Speaker 7 (49:49):
I'm not trying to be sexist.
Speaker 8 (49:50):
The person I talked to on the phone was a lady.
Speaker 6 (49:55):
There you go, equal opportunity.
I'm not trying to be sexist.
The person I talked to on thephone was a lady.
There you go, equal opportunity.
All right.
Well, I think we got a lot ofgood stuff covered.
Did I ask about your guys' networth?
Did you guys do that one yet?
Speaker 7 (50:11):
Yeah, we did, did we?
Yeah, you had on the thing itwas like $100 or $125.
Something solid.
Do that one.
Yet, yeah, we did, did we?
Yeah, you had another thingit's like 100, what were like
125 some solid, not I mean thenet worth is like all our stuff
right with.
Speaker 6 (50:22):
Well, let's see like the the debts minus, or the what
you the assets minus the debtsyeah, I don't have like our
house and stuff like, oh okayyeah, yeah, I was just curious
if you guys had done, done thenumbers and and yeah, we can
talk about that offline let meput that on you put it on there
(50:43):
oh my bad.
Speaker 7 (50:46):
I was pretty excited when I saw the number.
Whatever number she showed,that's really nice.
Speaker 6 (50:50):
That was awesome yeah , and that's where like doing
the net worth exercise can be,can be good, you know, it can
give you a sense of like ohactually we're not so bad off,
or you know, and it's not really.
It's not a true indicator oflike financial success or
anything like that, it's just asnapshot in time.
It just shows you where you areand then you know, then you can
(51:11):
kind of work towards going upor hopefully going up.
Now, technically, your networth will go down when you add
some more of this debt, but it'sgoing to be okay, we're going
to get through it.
So, yeah, so we're actuallyrunning low on time.
Any last-minute things youwanted from me?
(51:34):
Any homework for me?
Speaker 8 (51:38):
Can you maybe send me a way to?
I don't really know much abouthow to figure out our network.
Speaker 7 (51:46):
And I have no clue.
Speaker 8 (51:48):
My financial advisor has a net worth worksheet or
something like that.
I just want to thank you againfor doing this for us man.
Speaker 6 (51:56):
Yeah, of course.
Speaker 7 (51:58):
That's awesome.
Speaker 6 (52:00):
Like I said, you guys are helping out other people by
sharing your situation andhopefully it gets out there that
this is the reality and this ishow we can figure out different
ways to overcome some things.
Once again, I appreciate youguys and you know.
Thank you, mbr, for puttingthis platform together and
(52:23):
that's pretty much it for theshow.
Thank you guys.
Thanks everybody who iswatching either now or in the
not-too-distant future.
So I appreciate it and we willcatch you guys on the next
stream.
Speaker 8 (52:38):
All right, thank you.
Speaker 2 (52:41):
Ladies and gentlemen, thank you for tuning in to
Military Broadcast Radio as wewrap up today's show, we want to
remind you that the podcast oftoday's episode will be
available right after we go offthe air, so if you missed any
part of the show or want tolisten again, be sure to check
(53:03):
it out.
And remember we're here tosupport and honor our veterans.
Your stories and experiencesmatter and we are committed to
giving you a platform to sharethem.
That's right.
We're here to give our veteransa voice, so don't forget to
(53:23):
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Speaker 3 (00:57):
This entire military is one pervasive, dedicated
force, and the threats to ournations don't sleep.
They're watching our every move.
Iran, russia, china, northkorea, isis, al-qaeda they may
be watching this right now.
Our military should not bemistaken for our cable news gab
(01:22):
fest show.
Speaker 1 (01:23):
We don't care what you look like we don't care if
you're not being mistaken forour cable news dad-pet show.
We don't care what you looklike.
We don't care who you voted for, who you worship, what you
worship who you love.
Speaker 3 (01:31):
It doesn't matter if your dad left you millions when
he died or if you knew who yourfather was.
We have the power of a machineof lethal moving parts that you
would drive to your death if younever took it.
We will not be intimidated, wewill not back down.
We don't want war.
(01:51):
We don't want war.
Speaker 5 (01:54):
But if you want war with the United States of
America, there's one thing I canpromise you, so help me, god,
someone else will win this timethan God military broadcast
(02:29):
radio, the station that's givingveterans a voice, find us on
the web at mbradiocom, and donot necessarily reflect the
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This is Money in the Military,where your financial mission
starts now.
Speaker 6 (02:58):
All right, welcome.
Welcome everybody.
That is a new intro.
Thanks to Joel for putting thattogether.
I really like it.
It jumps out at you.
But just wanted to say thankyou for joining us.
This is Military BroadcastRadio and this is Money in the
Military.
So I'm a certified financialsocial worker and basically my
(03:20):
passion is helping people withtheir finances.
And basically my passion ishelping people with their
finances and I've been helping aformer coworker, friend,
roommate named Rob and hislovely wife Becky with their
finances these last couple ofsessions and I just wanted to do
a quick follow-up and thenwe're going to see what's been
(03:41):
happening with them.
And yeah, we're just going tojump in.
I'm going to add them to thestream real quick and we will
have them.
Hey, can you guys hear us?
This is the couch.
Speaker 7 (03:52):
Yeah, we got you.
Speaker 6 (03:54):
Good, good, good to see y'all All right.
We got a couple of weeks it'sbeen about two weeks since we
last talked.
I know you guys we've talked alittle bit offline and and you
know you guys been doing a lotof stuff.
Speaker 8 (04:08):
But uh, just in you guys's own words, just give us a
quick recap of what's happenedthe last couple of weeks well,
uh, we had to look up loans forthe pool and we've gotten two
loans back, like we like we didthe inquiry and they
pre-qualified us and stuff, sowe wanted to talk about that and
(04:28):
um, we've also been looking atour grocery spending and even
trying to spend less.
We still are at like 400already yeah, it's crazy I don't
know how.
I can see how, but like this islike basic stuff.
Like it's crazy yeah, and we'vebeen using the things in the
(04:50):
fridge and in the freezer makingsure everything's going out
getting the essentials is like.
It's only what halfway throughthe month it's becoming a
problem.
It's becoming a problem.
Speaker 7 (04:59):
Yeah, I think I think we may have to get rid of one
child.
Speaker 6 (05:02):
It's the only way that math works.
We do like a Hunger Games, likewhoever can survive.
Yeah, yeah, I'll do the games.
Speaker 7 (05:10):
Please give me the day yeah.
Speaker 4 (05:12):
All right.
Well, that's not fair.
Speaker 7 (05:14):
My younger one would always lose.
Speaker 6 (05:20):
She's going to be the hungriest.
Well, I mean, you know that'spart of this process, you know
is to is to kind of um, get thatawareness piece and just kind
of see where money is going.
And it's not always a prettypicture, but part of it is this
kind of those light bulb momentsof okay, yeah, Our, our grocery
bill is higher than weanticipated.
Now we can, like you guys,you're already trying, so you
(05:42):
probably already doingimprovements, doing improvements
on your grocery spending, yeah.
But, it's just the nature of theenvironment right now.
You know yeah, so okay.
So $400 in the first half ofthe month for groceries.
Any other big surprises?
Speaker 7 (06:00):
What did we get to quote?
So we got to quote back for thetool, and so it's not as bad as
we were thinking on the highend.
Speaker 6 (06:06):
Yeah, I mean it's still gut punch really.
Speaker 8 (06:10):
Oh yeah, I did have to get my car Needed a couple
things and that was $500.
Yeah, that was not.
Speaker 7 (06:19):
Now we're getting our auto savings.
Speaker 8 (06:20):
I have the savings, but I don't have it set up.
Speaker 7 (06:25):
But I don't have it set up, but I don't have
anything in it yet, so now we'rein the negative in that.
Is that how it's supposed towork?
Speaker 6 (06:29):
Yeah, yeah, yeah, that's exactly it.
Well, soon we'll catch up onour savings in that aspect.
Yeah, okay, that happens, thathappens.
That's life.
Yeah, sadly yeah.
Speaker 8 (06:48):
All right.
Speaker 6 (06:48):
So yeah, it does come up and so, yeah, but like we're
trying to get ahead of thecurve, so that's a good.
You know, I mean I hate, I hateto to be to be right.
But you know, like I literallywas like, yeah, well, you know,
guys have maintenance for yourcar, kind of fund, and sure
enough, that's what happens.
But yeah, you know, I literallywas like, yeah, what do you
know, guys have maintenance foryour car, kind of fund, and, and
sure enough.
Speaker 4 (07:07):
that's what happens, but uh, you know, I say that
just to basically highlight.
Speaker 6 (07:10):
Yes, these you know car.
Even in newer cars sometimesyou want to have a little bit of
money set aside for any kind ofunexpected things that come up.
Speaker 8 (07:20):
So sending me a thing and I had to get a new battery
and then I had to get like therewas some sort of something.
They were like this is going tobe $200 also and I was like
great.
Speaker 6 (07:30):
It piles on usually too.
Okay, alright, so we got the.
I guess in general, for thepast like month or so since
we've started this, have youguys found some like positive
momentum in certain areas.
Speaker 8 (07:50):
We've been going on money dates, and so we've been
talking about money.
He's more aware of what's goingon.
Speaker 7 (07:56):
Yeah, I was clueless before he doesn't like talking
about it between money dates.
But I mean the rule is on themoney date, joey, you can make
that very clear.
Speaker 8 (08:03):
No shop talk outside of money date time, but I'm
always thinking about it.
So I'm like, what do you thinkabout this?
And he's like, is it money datetime?
Speaker 7 (08:11):
Am I wrong here?
I mean, let's stop burdeningourselves with stress.
We know it's coming up onSaturday.
We'll talk about it.
Unless it's like a giantemergency, Like we need to burn
day, Rob.
I'm like, why are we evenhustling?
We'll talk about the budget.
Speaker 8 (08:23):
I think about it all the time, it's just always there
.
Speaker 6 (08:30):
Maybe because I was.
When are you guys doing yourmoney?
Dates Just once a weekSaturdays yeah.
Speaker 7 (08:37):
Don't you do it.
No, no, no.
Speaker 6 (08:39):
I think, yeah, no, that's a good, at least a weekly
session, that's fine.
I mean if think, yeah, no,that's a good, that's a good
like, at least a weekly session,that's that's fine.
And and I mean if, because itsounds like rob is, is a key,
compartmentalizes and he's ableto not think about it, whereas
beck you, you're, you're likeyou said, you're constantly
thinking about it.
I'm that, I'm that way too.
So, um, I kind of maybe there'ssome middle ground there, but
(09:00):
for now let's just kind of keepit to the money dates, and then,
you know, like, um, you know,we'll, we'll figure something
out for for, uh, I don't know,maybe like a wednesday emergency
, like if it's like hey, myhead's gonna explode if I don't
tell you this that's like amidweek check-in yeah, I guess
maybe like a thursday yeah joe,if you're gonna side with her
(09:25):
the whole time.
Speaker 4 (09:25):
I'm not being insane, all right.
Speaker 6 (09:31):
It's reasonable.
Yeah, I'm just over there.
Right, and I mean okay.
So, Rob, since you've been thestick in the mud of this, how
has this been for you?
It's pretty good.
Speaker 7 (09:44):
Like, honestly, I wish I would have known it.
I wanted to know it.
It's just like I didn't want toknow the dash traits of it.
You know, I was kind ofignoring it just for the fact
that I knew it was like I knowthis is going to be a burden
once I know this.
Speaker 4 (09:56):
So it's kind of why I was avoiding it honestly.
Speaker 7 (09:58):
Yeah, yeah, and that's pretty, it's been another
tie opening is nice because,like I can feel the stress come
off of her shoulders, I can justsee it with her walking around
not having to bear the burden ofall the financial stress.
It's just something I didn'tthink about until I shared it
with her.
Speaker 8 (10:15):
But if I was free to talk to you about it through the
week, that would take up evenmore.
I'm just saying.
Speaker 7 (10:20):
I know I'll pick a day.
No, I'm not going to pick adate.
Speaker 8 (10:24):
We've got to figure out a way for you to be okay
with us just talking about it,because I need to talk about it,
because that's the stress on me.
I need to get it off of me andonto you.
Speaker 7 (10:34):
Okay, how about you just text Joey that?
Oh my goodness.
Speaker 6 (10:46):
I'm sure his wife will be.
Like I said, I live for thisstuff, so, yeah, I mean whatever
, whatever we can work out,that's fine.
I don't want to stress you guysout too much but I do like I
like the you know, the the moreopen communications, the you
know the willingness to try anddo things that are maybe out of
your, both of your comfort zones, you know.
(11:12):
So maybe you know like there isthat middle ground for for both
of you.
You know, um, becky, you couldmaybe try to learn to pull back
a little bit and and even androb can can jump in I need to
take more responsibility hasbeen my biggest.
Speaker 7 (11:23):
Yeah, very responsible Most of my life.
Speaker 6 (11:25):
Yeah, well, you know, and that's that's like I said,
that's why you you jumped in andand you were like you reached
it.
So you reached out to me, sothat's that showed to me that
you were serious, that youwanted to do something different
.
So so it's a good sign and Iappreciate you guys as
transparency and honesty and andyou know, like it's like I said
(11:46):
, you guys are like the modernAmerican couple right now and
what you guys are going throughis pretty common, but it's also,
it's still unique to you guys,and that's where that whole
personalized session comes intoplay.
But, yeah, so so we got, we gotsome communications.
We'll set some boundaries,we'll work on that.
(12:07):
But any other unexpected thingsor anything that just kind of
caught you guys off guard, we'llchange.
Speaker 8 (12:21):
What was that the snacks?
What was that the snacks?
When he's at work he buys likelittle $3, $6 snacks like every
single day and we were able tolook at it from last month and
we saw how much it was and hewas like whoa.
Speaker 7 (12:39):
You know, like it's just you know, until you see it,
I said it just like that, bythe way, too, whoa.
Speaker 8 (12:47):
So he noticed it and he was like, okay, I need to cut
that back and we can just buymy snacks at the grocery store
and it'll be cheaper, you know,rather than a three dollar, I
don't know four hundred dollarbill already half the month, but
you add another hundredsomething dollars on top of it.
Speaker 7 (13:02):
don't't tell them you didn't hear that number.
I forget that number.
Yeah, all right.
Speaker 4 (13:07):
Well, there's a lot of money and we need to cut that
back.
I do.
Speaker 7 (13:10):
I need to cut that back.
You just don't think about it.
Speaker 6 (13:12):
It just adds it up, absolutely.
Yeah, it's a common thing, youknow, like, especially when
you're lunch or something andyou need something, so I get
that part of it.
But if it's a regular routinething, then it's something that,
yeah, you just go to the storeand have it ready to go and then
you just take it to work withyou and then that saves you that
(13:33):
three to six bucks, you know,and that adds up, like you saw.
Um, yeah, so so you guysalready changed that, that habit
or that.
Speaker 7 (13:43):
Um, you've already kind of started that well we uh
we have the ideas of a plan theconcepts of a plan, right yeah
I'm gonna write it down it willbe put in there.
I'll bring some food.
I haven't picked up my snacksyet, but next grocery shop we'll
do it you guys do, guys doCostco or Sam's or anything like
(14:05):
that.
Costco, yeah, and then we'llthrow in some Aldi too and stuff
that we can get there.
Speaker 8 (14:10):
Oh, we do Costco for like the big stuff.
Speaker 6 (14:12):
Yeah, yeah, yeah, okay.
Well, I mean, if it's somethingthat you guys can get, that'll
save you guys even more money.
You know, if you buy it in bulk, even Aldi's get more expensive
.
I mean, everything is yeah,yeah, it's, it's going up all
around.
Um, yeah, so all right.
So we got some some goodinsights.
So I really like that.
Um, and then the.
(14:33):
The next step is going to bethe, the changing of the
behaviors, which is usually thefun part.
Um, which you know you'vealready.
You already wrote it down.
I saw you guys writing thingsdown, which is good, and you
guys are really good students asfar as like homework
assignments, so I reallyappreciate that.
I wish everyone was thatstudious.
(14:54):
It's probably mostly Beckyright now.
I'm just going to be honest,but I know, rob, you're trying,
you're trying.
So kudos to you both.
Participation, I'll take it Allright, so all right.
You guys wanted to talk alittle bit about the loan stuff,
right?
Yes, so the update that youguys gave me was 27 or 23?
(15:19):
23.
Speaker 8 (15:20):
23,.
But the loans that they'veapproved us for are 25.
Yeah, 25.
Yeah, just in case there'scause.
They said that they could be itcould go up because they may
need more staples in the bottomand all that stuff.
Um, so one of the places had aninterest rate of 10.9 or 10.5,
(15:41):
something like that, and thenthe one I just got today had 8.9
.
So that's better than the 10,but that's still.
Is that still high, super high?
I don't.
I don't know what high is forloans like that.
Speaker 6 (15:55):
So yeah, with those types of loans they are
generally higher than like a carloan, but, um, but, yeah,
that's a little high, but Iwould say for what?
The size of the loan, it's nottoo far off, I think.
Honestly, the 8.9 is probably apretty solid number right now.
Speaker 7 (16:17):
So what if, technically, we're paying more
on top of that?
So how much additional on topof the money that we're getting
are we paying on top of that?
Speaker 8 (16:33):
For the difference between the 10 and the 8, or
just any of them, either one.
Well, okay, so the 10, the 10or 10 loan was over 20 years and
the 8.9 loan was over 15 years.
So it was a little.
Speaker 6 (16:43):
It was a little shorter too yeah, yeah, so
you'll save more money in the inthe long run on interest on the
15-year loan.
You know just like, yeah, um,but it's payment's going to be
higher, right, probably?
Speaker 8 (16:57):
it was very close, which I thought was weird.
It was, yeah, it was.
Uh.
Let me look at the other.
Oh, it's, it's on my computer.
Speaker 7 (17:06):
It's too far, the computer's too far, too Well
it's fine.
Speaker 6 (17:09):
it's fine, they were both in the 200s.
Yeah, okay.
Speaker 8 (17:13):
It wasn't.
It felt like it could be a carpayment, but like a Bobby's old
car payment, you know, and but Ijust thought, like the, the 15
year one, like you said, wouldhave less interest over the long
run, cause five years, uh,sooner or shorter.
And then I asked them ifthere's any penalty for uh
(17:35):
paying it off early and theysaid no, we can.
We can still pay it off early,cause I mean you get there,
hopefully get your bonus everyyear.
I'll see profit sharing, andyou know they could put a couple
thousand extra toward it yeah,yeah.
Speaker 6 (17:50):
So, yeah, that's that's a that's a good idea.
Honestly, that's that's onething I was going to ask.
Is you already asked thequestion like do you get the
prepayment penalty?
So you're doing your homeworkonce again and, um, you know
it's gonna.
It's gonna end up paying off inthe long run too, because, like
I said, you're going to youthrow on extra payments on top
every so often and then, yeah,it's just going to accelerate
(18:12):
the payment or the debtreduction and yeah, I mean, 15
years sounds like a long time,but I'm pretty sure you guys
will knock it out much fasterthan that.
So, um, and then by locking inat a lower rate or a a locked in
rate, then you're not going to.
You know it's not going to be aup and down rate, you know like
(18:33):
a variable rate or anythinglike that.
So you're you're going to belocked in and you know, once
it's done hopefully, fingerscrossed you don't have to worry
about this for a long time,right, um?
Speaker 7 (18:44):
I got.
This might be a dumb questionwho sets the interest rate?
Who sets that interest rate?
Speaker 8 (18:49):
like.
Are we able to ask them?
Is it like supply and demand?
Speaker 7 (18:52):
don't you want our money?
Like hey, you might want todock that down like five are
they able to do that?
Speaker 8 (18:57):
how does that work?
Speaker 7 (18:58):
because I mean we're pretty, like our credit's
awesome.
It's like you're gonna get yourmoney.
Sure, you want to knock thatdown a bit because we're going
to shop this around.
Speaker 1 (19:06):
Right, right, nobody's getting loans right now
.
Speaker 7 (19:08):
So who sets that interest rate?
Is that like globally set, oris that on whoever's giving it?
Speaker 6 (19:12):
to you.
It's usually set by the bank,but then the industry as a whole
kind of has, like they havethis almost a shared
understanding of like all right,well, we're going to keep it
like kind of sort of similar toyou guys, so like you know, and
if some bank suddenly says, okay, we're going to do six percent
or five percent, then they'regoing to just get flooded with
(19:33):
with applications becausethey're going to be so low.
So so there's kind of a greatproblem right, but part of it is
just the market, you know.
Speaker 7 (19:42):
So, like if the banks , so they won't change it so you
can't even argue with themabout it or they just laugh you
off.
If you did it because like itseems like that would make me
mad in that conversation I wouldjust get angry because it seems
like like dude, we're about topay you, like we don't miss our
payment well, I think what?
Speaker 6 (19:59):
what you could do is you could actually negotiate in
the first part of it and justsay, look, I, I've got rates
that are you know.
Basically, you show thereceipts just like a car
dealership.
Speaker 8 (20:08):
Yeah.
Speaker 6 (20:09):
All right, Well, you know so-and-so down the road is
going to give me, you know, 8.9%.
Can you match that or do better?
So yeah, you definitely cannegotiate.
Speaker 8 (20:18):
Oh, okay, but what if they are the ones that do the
8.9%?
Speaker 7 (20:23):
You just got to make somebody up, and why?
So we got seven over here atChase.
What are you going to do?
Speaker 6 (20:28):
bro, you could bluff it, you know.
If they're desperate enough orthey're there, they need the
money, then yeah they'll.
They'll be like all right.
Speaker 7 (20:39):
I guess I could email or something or talk to.
Speaker 8 (20:40):
I don't know, I like this company because it was a.
It was like a smaller kind ofcompany and they give a discount
to veterans and I thought thatwas cool.
But then I asked and we didn'tqualify because we didn't have
any fees on the thing.
And I was like it wasridiculous.
Speaker 9 (20:55):
So that's why I kind of like them anyway.
Speaker 7 (20:58):
They're nice.
When they came, I really likedthem.
Speaker 8 (21:00):
Oh, no, no, not them.
I was talking about thefinancial people.
Speaker 7 (21:04):
Oh you're talking about Nancy or whatever.
That lady's name was Janice.
Yeah, janice, janice is sweet.
I talked to Janice.
Speaker 8 (21:10):
Yeah, janice had, she's a smoker, you can tell.
With a raspy look, she joggedlike this yeah, yeah, exactly.
Speaker 6 (21:25):
We'll take a quick little interlude, a break, and
then we'll have to come back foryou guys.
But this is a new song thatlaunched from Mr Coffee.
It is Can't Spell Hero WithoutHer, so a nice little tribute to
the ladies in your life.
So, alright, we'll be rightback with Becky and Rob.
Speaker 9 (21:48):
Thank you.
Signed up to fight for freedom.
What a price you had to pay.
Picture in her helmet, missingfamily every day.
(22:11):
Your lady liberty, dressed likeGI Jane Some scars we'll never
see.
She will never be the same.
She's a mother, she's adaughter, she's a sister and a
friend, standing tall in thatuniform.
Until the very end, when UncleSam called, she signed that line
(22:38):
to serve Cause you can't spellhero without her.
On that old, dusty base withthe meadows that shine.
(22:59):
She's been to hell and back forthe stars and the stripes.
Your lady liberty, dressed likeGI Jane We'll be right back and
(23:21):
a friend standing tall in thatuniform.
Until the very end, when UncleSam called, she signed that line
to serve cause.
You can't spell hero withouther.
Yeah, yes, for the ones thatdidn't make it, we were pausing
(23:53):
and we cried.
We can still see their smile Inevery sunrise.
She's a mother, she's adaughter, she's a sister and a
friend, standing tall in thatuniform.
Until the very end, when UncleSam called, she signed that line
(24:19):
to serve Cause.
You can't spell hero withouther.
Cause you can't spell herowithout her.
Cause you can't spell herowithout her.
Speaker 4 (24:36):
Hmm, military broadcast radio, the station
that's giving veterans a voicefind us on the web at mbradious
(24:56):
opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
of any entities they representfind us on the web at mbradious.
Speaker 6 (25:12):
All right, we are back.
That was Coffee Anderson, aveteran, great song for the
female veterans in your life.
So just thank you for that.
For Mr Anderson, he's actuallybeen on the show or not my show,
but he's been on NBR beforeGreat guy, and just if you're
(25:32):
yeah, other veterans, musicians,you know we will definitely
support you guys and show yourmusic and share it with the
world.
So, all right, so we are back.
This is Money in the Militaryand we have Becky and Rob, our
fearless participants of thiscrazy little experiment that
(25:53):
we're doing live financialcoaching for the pool repair,
which is going to be around 25K.
Right, is that what you guysare settling on?
Okay, and that's going to run.
You said around 250-ish orbelow 250?
(26:14):
.
Speaker 8 (26:14):
We have it right here .
Yeah, I ended up getting thelaptop, or Robbie got the laptop
, it said.
Speaker 7 (26:21):
I do contribute to this.
I did get the laptop.
You know you said I don'tcontribute financially.
Here we go.
Look at me.
I did get the laptop.
You know you said I don'tcontribute financially.
Speaker 6 (26:26):
Here we go, look at me.
Speaker 7 (26:27):
I have access to all the accounts now, by the way.
Just throw that out there.
Speaker 6 (26:32):
Yeah, that's actually something that doesn't happen
very often.
Speaker 7 (26:35):
I never had that.
Speaker 6 (26:38):
It was all the logins .
Speaker 8 (26:40):
No, you don't have the logins.
Do you have the logins?
Oh, you don't know.
Do you have the logins?
Oh, no, 252.
252.
Yeah, 252.
Speaker 6 (26:48):
All right.
And then, as far as when youguys crunched the numbers, you
guys felt like that was okay,you guys have the wiggle room
for that.
Speaker 7 (26:58):
Oh man, I don't know, we never really crunched the
numbers on it.
Honestly, we wanted to talk toyou and then make make a
decision.
Speaker 8 (27:06):
Right now we're paying our care credit account,
care credit card, um, and that'sabout 200 ish, because all of
our contacts and glasses andstuff go on there, because it's
terrible vision, yeah it's greatwith the body so bad.
so, um, that all that's on theon the care card and we're
paying about $250 a month onthat and that'll be done very
(27:29):
soon I think it'll be just acouple months.
But I was thinking we'd justpay that off and then just pay
the $250 a month on this instead, you just have so many holes.
It's like what do you want?
Speaker 7 (27:40):
to try to throw some money in.
Do you want it over here?
And then the hole's still there.
Yeah, I guess, pay off.
I would pay it off, right.
Speaker 6 (27:51):
Yeah, I mean you guys need to make room for this
expense and it kind of just fitsright perfectly almost you know
what I mean.
Speaker 8 (27:57):
Yeah, that's what I was thinking.
That's something that's beenevery month for a while and it's
almost done.
Speaker 7 (28:04):
Yeah so you need the government.
Tell the government to studylike mechanical eyes, so I don't
have to keep paying for this oh, bionic eyes, that's uh.
Speaker 6 (28:13):
Surely that's coming right.
Uh were those cool contactsfrom like minority report maybe
that would be the best.
Yeah, we'll get there.
We'll get there.
Um, all right, cool cool.
So we kind of figured that partout.
So it looks like that 252 wasthe 15-year at 8.9%.
Speaker 3 (28:34):
Yeah.
Speaker 6 (28:34):
Yeah, All right, you guys, I think honestly.
I mean, obviously the numbersmake sense, the lower interest
rate, but shorter payoff periodand you're going to save money
on interest in the long run, soit seems like a no brainer to me
.
Um, for the 15 year loan, Um,so uh, did they give you guys
(28:56):
any kind of window of time whereyou have to make a decision, or
anything like that?
Speaker 8 (29:00):
No, I just talked to him today on the phone and so,
um, I said I talk to my husbandand we'll make a decision, and
he didn't say anything.
The first place just sent me athing saying if you don't answer
by the time this, it'll expire,or something like that, and I'm
like please, hopefully tell youwith the, uh, the limited time
window.
Speaker 6 (29:21):
Um, you know, yeah, the offer is only good and to
some extent you know, like whenyou bought up, when you you buy
a house, there is there is someof that.
You know where you lock in therate and they could go up or
they could go down.
So I mean, more than likely,the rate once you lock it in.
You know it'll be good to go,but but, yeah, don't be, don't
(29:44):
be, don't be, feel pressured tomake a decision.
You know, like, especially whenthat, yeah, that big I liked
that.
Speaker 8 (29:52):
They said there was an option to pay the contractor
or there's an option to pay us,and then we'd pay the contractor
.
I said, well, how soon would weget the money in our account if
we did that way?
And they said um same day.
I was like, oh, okay, so I mean, that's, that is an option.
What was the option they wouldgive?
They'd give us the money andthen we'd pay the contractor.
Speaker 7 (30:14):
That seems like a great option it wouldn't go like
in our regular checking accountI don't know if I'd be here the
next day after we did thatGoing to Mexico 25K.
Speaker 6 (30:26):
Oh man.
Speaker 7 (30:29):
No.
Speaker 6 (30:29):
I don't know.
Speaker 7 (30:30):
Do you think that's a good option?
As long as we separate thefunds right, we put it in the
whole thing.
Speaker 6 (30:37):
Yeah, yeah, I mean, when it comes to big projects
like that, sometimes it isbetter to pay the contractor
directly.
But if you don't want to dealwith the hassle of that, then to
have and pay the contractordirectly, but you know, if you
don't want to deal with thehassle of that, then yeah, I
mean you can just have thecontract.
I mean as long as you trust thecontractor, because you know
there are situations wherecontractors will kind of stiff
you sometimes, but generallywhen they're working with like a
(31:00):
financing, like, they'reusually pretty solid.
You know, it sounds like yougot pretty good vibes from you,
the the pool, um company.
So yeah, I wouldn't, I wouldn'tworry about that too much.
But as far as which, which path, um, you know, uh, I don't know
if I trust Rob at this point,but um to to handle that, no,
(31:22):
but, but yeah, I think I thinkeither or is fine, but uh, but
yeah, I me personally, I wouldprobably rather just have them
go directly to the contractor.
Speaker 7 (31:30):
But oh, okay, yeah, okay, yeah I mean, it's just we
have access to that, but I don'tknow okay yeah, so I did want
to ask uh and follow up on the.
Speaker 6 (31:42):
I know you guys, we last time we talked about the ac
, the, the ac unit I was goingto ask you about that, yeah yeah
, okay.
So what, what, uh?
What did you guys figure out?
Or did you kind of come up withany rebates?
Speaker 7 (31:53):
or let it burn well, I, I want to redo
Speaker 8 (31:56):
it because I I think that it'll save us money in the
long run by making our energybill go down.
I don't know if that's true inthe summer, but they said it
would really help in the winterbecause of the new heat pump,
and I'm worried that if we don'tdo it, we're just going to be
paying extra every single monthand it wouldn't make sense.
Speaker 7 (32:17):
Here's my suggestion on that let's just wait till the
winter.
Speaker 6 (32:20):
Probably cheaper to get an AC done in the winter and
, if it craps out, in the summerwe're screwed anyways I don't
know but well, so the the otherpart, did you guys look into the
financing of that as far as howmuch?
(32:41):
Because I mean, that's going tocut into your budget and you're
going to have to find uh, youknow, find that money somewhere,
right?
So did you guys look?
Yeah, I think last time we saidnine thousand or something like
that.
Speaker 7 (32:52):
Yeah, it's about 10 grand.
Speaker 8 (32:53):
Well, that's OK.
So I did look into it.
That was eighty seven hundred,and the financing that they
offered was like twelve pointsomething percent interest and
then.
So I called the companydirectly, because that was
through our home warranty.
When I called the companydirectly, they said they can't
do that price unless we use thehome warranties financing.
(33:18):
They'd have to raise it, butthey'd give us zero apr for
three years.
They'd raise it to 12 000,though, and then give us zero
apr for three years.
They raise it to $12,000,though, and then give us zero
APR for three years.
Speaker 6 (33:31):
So I don't know that's tough, because basically
they're saying we're going tocharge you more money, but we're
not going to charge youinterest, and that's usually how
they get you.
They kind of sneak you thosehigher total debt.
Now did you ask about theprepayment penalty on that one?
Speaker 8 (33:48):
No, oh, I don't remember.
Speaker 6 (33:51):
Yeah, because sometimes those promotional
things they don't allow you todo without some type of
prepayment penalty because, likeI said, they're trying to get
their money, you know, any waythey can.
But yeah, that would besomething I would maybe ask
about, because if you're able todo a 0%, that would be nice,
(34:13):
and then if the payment isreasonable and you can pay it
off early, then it might makesense to go ahead and lock in
the 0%, just just because youknow, like, like, like you said,
this is like feels like it's aticking time bomb and you know,
like, you guys are expecting itto go out.
So in it.
With that kind of context, itmakes to me it makes more sense
(34:36):
to go ahead.
Speaker 7 (34:37):
I'm not technically really expecting it to go out.
That's just what the guy said.
Speaker 4 (34:41):
Oh okay.
Speaker 8 (34:42):
Well, he's got like that predatory loan.
Speaker 7 (34:44):
So how much do I trust him?
Speaker 8 (34:46):
He, he wasn't that, no, no, his loan, that was the
guy from the company, fromService One, yeah, and the loan
that had the 12 whatever wasfrom our home warranty yeah, the
warranty people, yeah.
Speaker 7 (34:59):
Yeah, I'm following you, but the guys that came, out
here were talking to us aboutthe AC.
They were like you really needto fix it, you probably save all
this.
I mean is that true.
Do we know anything about ACs?
Do we get a second opinion?
Do you want to get a second?
Speaker 6 (35:15):
opinion.
Yes, because I want to know ifthat guy is full BS.
That's actually a good idea.
You did that with the pools, sowhy not do that for the HVAC?
That's true.
Speaker 7 (35:24):
We just relied on the home warranty too much.
I think we were like oh wetrust them.
That's probably a bad idea.
Speaker 8 (35:31):
Well, they weren't the home warranty.
People, people, they were justsent out by our home warranty.
Speaker 7 (35:33):
Yeah, that's what I'm saying.
We just trust them to send outthe best people oh yeah, that's
good to say gotcha.
Speaker 6 (35:38):
Yeah, yeah, because that's just contracted out by
the company.
So, all right, yeah, so I guessthat would be the homework for
you guys now is to uh toresearch the ac stuff, um,
because, yeah, like I think thelast when we talked about it and
and obviously it could be asales pitch, but like the idea
of your guys' utility bills isso high that it could offset
(36:03):
that, you know.
So, basically, if it's, youknow, $9,000, $10,000 loan, you
know that could be maybe$150,000 depending on the terms,
just like with the pool loan.
So there might be some way tokind of make it manageable
monthly payment as long asyou're, you know, as long as you
(36:25):
have it in your budget.
And then you know if it's goingto save you guys in the long
run, then it might make moresense to just go ahead and bite
the bullet and and do it.
But you know that is we'retalking about 35k of of of that,
you know.
So, um, but you guys don't haveany any other major debts,
(36:45):
right, like as far as just themortgage and like your cars,
right, yeah?
yeah, that's it that's all okaythen.
Yeah, you guys are actuallymuch better off than most.
I think Jack wants in, he wantsto be part of this again, but
all right.
So what do you guys I mean,what are you guys' general
(37:06):
feeling for the HVAC Like?
Do you guys think are you kindof in neutral right now or are
you thinking you know, justgoing?
Speaker 7 (37:13):
to.
I'm let it burn.
Let it burn, let's take care ofthe pool and you know, I'll
throw up some fans and open thewindows I am like let's get it
done.
Speaker 8 (37:22):
I don't want another massive high.
Speaker 7 (37:26):
Uh, massively so it's not going to be running what's
broken, so we're gonna savemoney there and then, okay,
we're gonna have to pay the fullamount.
Whether it breaks in the middleof the summer or not, we're
paying that full amount.
We'll just have to like, reallyget a loan really quickly.
That's a wheel and deal, butyou can see we disagree on this.
Speaker 8 (37:47):
I think we should get it done I'm more of hey, that's
not tech.
Speaker 7 (37:51):
Let's not put on the giant boulder.
Let's put, you know, let's puta couple big boulders on this?
Speaker 8 (37:55):
Well, we're going to need to do that, boulder, anyway
.
Speaker 7 (37:58):
Yeah, but it's still on the hill.
It's teetering.
That's right there on the hilland we don't even know it's
teetering.
We had a hillbilly go up thereand check it.
Okay, well, what we're?
Speaker 8 (38:04):
going to do is we're going to get it changed my
analogy hopefully that works.
Speaker 6 (38:18):
See, there you go.
We figured out a middle ground.
Speaker 7 (38:23):
This is the nicest argument we've ever had.
Joe, I'm calling you up whenwe're in one.
Speaker 6 (38:29):
Yeah, once the recording is over, we're going
to.
Speaker 7 (38:33):
You can see the microaggressions right there.
Oh goodness All right?
Speaker 6 (38:39):
Well, like I said, this is a tense.
We are talking about bignumbers here and you guys are
trying to do your due diligence,but it is stressful adding more
debt to your debt load.
It's scary man Because our debtscary is going up to it, but
it's like I'm scared of doingthat much in all honesty yeah,
(39:03):
yeah, no, that's, that'scompletely fair because, like,
like you said last time, you'relike well, what if I lose my job
, you know?
and then yeah I'm worried aboutthat this loan and that's a
that's a fair and valid concern.
You know, um, so that's where Ithink we haven't really had a
chance to really dive into thenitty-gritty of your numbers,
(39:23):
like your actual monthly spend.
But, like, since we've startedthis, have you guys started to
get a feel for, like the the insand outs and outs your outgoing
versus your incoming?
Speaker 8 (39:39):
I think I want to kind of see, because we started
kind of in the middle ofFebruary and now we're in the
middle of March and so I kind ofwant to see, when we get to the
end of March, what it lookslike there.
I mean, there's been a couplebig things, but this has almost
got like a normal month Standardminus what else.
Speaker 7 (39:55):
What was a big thing?
It was just a car.
And then I had to do myinspection this month too.
Speaker 8 (40:00):
I mean, so did I, but those were like, that was a lot
my oil change costs a lot.
Speaker 7 (40:06):
It was like $150 something, which is crazy.
Speaker 8 (40:10):
But I feel like yeah, I mean this just seems like
about a normal-ish month.
Speaker 7 (40:17):
We do have a birthday coming up, though, so I'm sure
there will be some spending onthat yeah, but I've already
bought the tickets, I've alreadybought the hotel room.
Speaker 8 (40:26):
The only thing would be, like the stuff on the actual
day, like the food.
We're going to the Stars gameand then taking a couple of our
friends and going I'll be payingfor, and then, um, taking a
couple of our friends and going,oh, I'll be paying for dinner
that night with a couple of ourfriends.
Speaker 6 (40:37):
So that'll be 300 million well, I mean, that is
something that you guys can alsodo, like the preemptive, like
if you know, you know birthdaysare going to happen.
So, just like with thechristmas spending you could,
you could maybe just merge thator increase that to, instead of
just Christmas spending, itcould be like gift spending,
(40:58):
that's a good idea.
Speaker 7 (40:59):
That's smart.
Speaker 6 (41:00):
Yeah, I like that.
That way.
Yeah, like you said, you'regoing to have Christmases, your
birthday presents and justrandom things, anniversaries.
So yeah, I mean $50 a month orwhatever you guys can bump it up
to, would help out.
You know when those expensescome up.
Speaker 7 (41:20):
I think it's just a standard procedure, right?
You know you have an expense,just sign it and then start
saying it for you Like.
Speaker 8 (41:26):
why wouldn't we think of that before?
Why didn't we think?
Speaker 6 (41:30):
of that before.
Well, because a lot of timesall these spinning plates, you
know you're just kind of you're,you're reacting a lot of times
and you don't even feel like youcan get proactive.
So so it's, it's a really kindof a mindset mindset shift in a
lot of ways that we're notreally programmed to do.
You know, I mean, like, likemost, most of us, when we get
(41:50):
our first jobs, we're, we're,we're not really thinking ahead
like that.
You know, so it does.
It does take some foresight andsome planning, but once you get
it automatic, then you then,like I said, your, your future
selves are going to be like, ah,thank you guys for doing that.
You know, um, but uh, but yeah,so that's, uh, that's what I
(42:11):
guess, that's what that would be.
My challenge to you guys is toto have a good number of like
your, your, if you have asurplus, so like you know, like
maybe for the month of February,like all right, we spent this
amount and then we had thisamount come in, so we had a
surplus of $500 or whatever youknow.
So that way you can kind ofstart tracking and seeing, like
(42:34):
if there's any other, if there'sany more wiggle room in your
budget because you might, youmight actually be better off
than you think.
You just, you're just kind oflike you know you're, you're
still in that reactive mindset,so, um, so yeah, that would be
my challenge for you guys is tojust, uh is to to really work on
your outgoing and incoming andand maybe start to track that
(42:57):
and then we can talk about likewe made a lot more than I
thought.
Speaker 8 (43:00):
I thought it was a lot less of that we made, yeah,
that much, but then this is whatyou got your um, your bonus and
so that's why the numbers werekind of weird.
Yeah, like it says that we weresuper duper under budget, but
we were not, I guess, includingthe it's okay to see it say that
(43:21):
for once.
I know it's green.
Speaker 6 (43:25):
What a concept, what a number?
Speaker 8 (43:27):
I know.
Speaker 6 (43:28):
What is that like Number in the green?
Yeah, oh man, oh man.
So that's, yeah, that's somehomework for you guys.
You're gonna do, uh, somequotes for the hvac.
Um, you're gonna I guess youknow have to make the final
decision on the pool.
Um, we've already set up someautomatic savings goals.
(43:52):
And see what else we talkedabout, your I didn't have a
question on the pool.
Speaker 7 (43:59):
Should we wait to see what happens with, like, the
stock market and stuff?
Speaker 6 (44:03):
it seems like a bad time to like make this decision
or no, well, like some, somepeople would say that you want
to lock.
Like I said, lock in.
Well, that's the thing.
The the estimates now, andthat's what I would.
I would be curious to see onthe contract or whatever they
put out there, like is is this25k firm or is it adjustable
(44:25):
based on market rates?
so that's yeah I would have todo some research and maybe
figure it out yeah, so like if,if it's a firm, firm number,
because I think, if I remembercorrectly, they do kind of have
to like itemize everything andthen honor that, but I'm not a
hundred percent sure on that.
I'll, like I said, research onthat.
Um, because I, yeah, I I getwhat you mean.
(44:47):
Like what if?
What if the market tanks, andthen you know there's so many
unknowns in that, in thatrespect?
Speaker 7 (44:54):
but yeah, and that's what's so scary, because, like I
, then you know there's so manyunknowns in that, in that
respect, but yeah, and that'swhat's so scary, because I don't
know what's gonna happen.
Speaker 6 (44:59):
It's like yeah, I don't think anybody does.
Economists are like I don'tknow.
I was like, oh, just like, oh,we'll see what happens.
Um, yeah, but, uh, but yeah,but you guys are doing the right
thing.
You're doing your homework,you're doing your research and,
uh, you know, now you're kind oflike digging through your
finances.
Speaker 7 (45:15):
Hey what was it Hold on?
What was it Depending on whatAdjustable on the market Was?
It firm or adjustable,depending on the I just want to
make sure I get the notes rightwhen I ask.
Speaker 6 (45:26):
Yeah, basically is the goods the raw goods or raw
materials.
Is that like a fixed number?
Speaker 7 (45:35):
Oh, fixed material.
I didn't even think about that.
Speaker 8 (45:40):
Oh, do you mean like the pool people?
Speaker 6 (45:42):
Yeah, the pool people .
Speaker 8 (45:43):
Oh, oh, oh.
Speaker 9 (45:44):
Oh.
Speaker 7 (45:48):
Okay, the pool people's not fixed, it's
depending on materials.
He did say that, but he's here,so we should get it soon then.
Well, materials are not fixed,it's depending on materials you
did say that, but he's here.
Speaker 6 (45:55):
Okay, I remember that , so we should get it soon then
well, materials are high rightnow oh yeah, well, I mean, now
you're trying to time the market, and that's kind of tricky to
do like um, you know, I think, Ithink you know the the price is
going to end up being the price.
You know, like there's not,there's only some.
If they're, if they're notgoing to have any kind of like
(46:15):
solid number, that likeguaranteed number, then yeah,
you are going to be at the mercyof the markets to an extent, um
, and that's just, that's justthe.
You know, that's just theeconomic reality that we're in
right now.
Yeah, um, but you know, like Isaid, you're doing your research
, you're doing your duediligence and you know, like
that's and that's what you guysare doing, it right, all right,
(46:39):
well, let's see.
Let's recap we got groceriesmore than expected, yes, but you
guys are trying to figure outhow to make that go down right,
trying to figure out how to makethat go down right.
And then we got the unexpectedcar expense.
(46:59):
But now we have the carmaintenance fund in motion.
We got the pool.
We're looking at around 252 fora 15-year at 8.9%.
We're going to research theHVAC.
Speaker 7 (47:18):
We'll get another guy out here.
Have a couple guys take a lookat it.
Speaker 6 (47:21):
I would say at least three quotes would get a good
number Consistent.
This is what they're saying.
Speaker 7 (47:30):
I'm going to do some research on AC.
If he says something I'm goingto know, I'm going to go deep at
ac so if you said something I'mgoing to know I'm going to go,
I'm going to go deep there yougo deep dive and just outdoor
units.
Speaker 6 (47:41):
Now that's it.
And then, yeah, we're going tohave to uh, we're going to work
on some, some, I guess, inincome outgoing, you know, get
to get a good like, a goodnumber of, like how much extra
do you have at the end of themonth, um, and then we can kind
of start budgeting a little bitfrom that.
You know, so, um, so yeah, sothat's.
(48:04):
And then maybe, like, if youguys still are interested, we, I
know, last time we talked aboutmaybe talking about some
retirement saving or investing-yes, yes, I really want to talk
about that yeah, yeah, and Ithink a lot of people are, you
know they, they want to knowabout that stuff too, so we can
do a whole, a whole session onthat probably.
(48:26):
But yeah, so how do you guysfeel you feel you know any any
better, worse neutral, I'mbetter now they know a little
bit more about the loans.
Speaker 7 (48:36):
That's kind of nice, I was scared about it because it
seemed really high.
But I'm going to try to wheeland deal a little bit.
See what happens there.
Maybe I get laughed at, maybe Idon't.
Should I try?
Speaker 8 (48:48):
to email, or should I just have Robbie talk to
somebody?
Speaker 7 (48:51):
Let me talk to him in person.
I do my best work.
Speaker 8 (48:55):
You can't get mad.
Speaker 7 (48:57):
Well, Janice seems like a sweet lady, it's not
Janice.
Speaker 8 (48:59):
It's not Janice.
This guy's name is DJ.
Speaker 7 (49:03):
I already don't like him.
His name's DJ.
Speaker 6 (49:08):
Oh man, oh man.
Speaker 7 (49:10):
I feel better about it though.
The AC, though I really don'tknow about that thing.
Speaker 8 (49:15):
We'll get some more estimates and see if it even
needs replacing.
Maybe it doesn't, maybe thatguy was just trying to.
Speaker 6 (49:23):
It could just need a good solid tune-up or some
maintenance and get it up torunning the way it's supposed to
.
Speaker 8 (49:30):
Yeah, but they did say that we use the old kind of
refrigerant or whatever it is onit in it, and we don't have a
heat pump, we have some coils orsomething like that.
So we have like an old, old one, I don't know.
So let's see what the other guysays All right, or lady?
Speaker 7 (49:49):
I'm not trying to be sexist.
Speaker 8 (49:50):
The person I talked to on the phone was a lady.
Speaker 6 (49:55):
There you go, equal opportunity.
I'm not trying to be sexist.
The person I talked to on thephone was a lady.
There you go, equal opportunity.
All right.
Well, I think we got a lot ofgood stuff covered.
Did I ask about your guys' networth?
Did you guys do that one yet?
Speaker 7 (50:11):
Yeah, we did, did we?
Yeah, you had on the thing itwas like $100 or $125.
Something solid.
Do that one.
Yet, yeah, we did, did we?
Yeah, you had another thingit's like 100, what were like
125 some solid, not I mean thenet worth is like all our stuff
right with.
Speaker 6 (50:22):
Well, let's see like the the debts minus, or the what
you the assets minus the debtsyeah, I don't have like our
house and stuff like, oh okayyeah, yeah, I was just curious
if you guys had done, done thenumbers and and yeah, we can
talk about that offline let meput that on you put it on there
(50:43):
oh my bad.
Speaker 7 (50:46):
I was pretty excited when I saw the number.
Whatever number she showed,that's really nice.
Speaker 6 (50:50):
That was awesome yeah , and that's where like doing
the net worth exercise can be,can be good, you know, it can
give you a sense of like ohactually we're not so bad off,
or you know, and it's not really.
It's not a true indicator oflike financial success or
anything like that, it's just asnapshot in time.
It just shows you where you areand then you know, then you can
(51:11):
kind of work towards going upor hopefully going up.
Now, technically, your networth will go down when you add
some more of this debt, but it'sgoing to be okay, we're going
to get through it.
So, yeah, so we're actuallyrunning low on time.
Any last-minute things youwanted from me?
(51:34):
Any homework for me?
Speaker 8 (51:38):
Can you maybe send me a way to?
I don't really know much abouthow to figure out our network.
Speaker 7 (51:46):
And I have no clue.
Speaker 8 (51:48):
My financial advisor has a net worth worksheet or
something like that.
I just want to thank you againfor doing this for us man.
Speaker 6 (51:56):
Yeah, of course.
Speaker 7 (51:58):
That's awesome.
Speaker 6 (52:00):
Like I said, you guys are helping out other people by
sharing your situation andhopefully it gets out there that
this is the reality and this ishow we can figure out different
ways to overcome some things.
Once again, I appreciate youguys and you know.
Thank you, mbr, for puttingthis platform together and
(52:23):
that's pretty much it for theshow.
Thank you guys.
Thanks everybody who iswatching either now or in the
not-too-distant future.
So I appreciate it and we willcatch you guys on the next
stream.
Speaker 8 (52:38):
All right, thank you.
Speaker 2 (52:41):
Ladies and gentlemen, thank you for tuning in to
Military Broadcast Radio as wewrap up today's show, we want to
remind you that the podcast oftoday's episode will be
available right after we go offthe air, so if you missed any
part of the show or want tolisten again, be sure to check
(53:03):
it out.
And remember we're here tosupport and honor our veterans.
Your stories and experiencesmatter and we are committed to
giving you a platform to sharethem.
That's right.
We're here to give our veteransa voice, so don't forget to
(53:23):
catch the podcast and stayconnected with us Giving our
veterans a voice.
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