February 20, 2025 • 58 mins
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Episode Transcript
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Speaker 1 (00:00):
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Speaker 2 (00:35):
This entire military is one cohesive, dedicated force
.
And the threats to our nations?
They don't sleep.
They're watching our every moveIran, russia, china, north
Korea, isis, al-qaeda they maybe watching this right now.
Speaker 1 (00:57):
Our military should not be mistaken for our cable
news gab fest show.
We don't care what you looklike.
We don't care who you voted for.
We don't care who you voted for, who you worship, what you
worship, who you love it doesn'tmatter if your dad left you
millions when he died or if youknew who your father was.
Speaker 2 (01:16):
We have been honed into a machine of lethal moving
parts that you would be wise toavoid if you know what's good
for you.
We will not be intimidated.
We will not be intimidated.
We will not back down.
We don't want war, but if youwant war with the United States
of America, there's one thing Ican promise you, so help me God,
(01:37):
someone else will raise yoursons and daughters.
Speaker 3 (01:47):
Military Broadcast Radio, the station that's giving
veterans a voice.
Speaker 2 (01:53):
Find us on the web at mbradious.
Speaker 4 (01:59):
I'm a certified financial social worker.
I was in the Air Force for 14years years and then I paid off
$20,000 of debt while I wasactive duty within three years
as an E3.
So that's kind of like I gotreally into personal finance and
so I've been really passionateabout that ever since, and that
(02:20):
was 10, 12 years ago now.
So since then I became a socialworker and now I'm a certified
financial social worker.
So we kind of get into, youknow, dealing with finances but
then also kind of dealing withthe psychology behind finances,
like the you know, the mentalside of things.
Speaker 3 (02:38):
So Ladies and gentlemen, your battle buddy
when it comes to finances.
Please welcome the fire socialworker, joey Laswell.
Speaker 5 (02:52):
Oh, hello everybody, Perfect timing.
My name is Joey Laswell andthis is Money in the Military,
on Military Broadcast Radio,where we're giving veterans a
voice, where we're givingveterans a voice, and this is
the whole organization is builtaround having people, having
veterans and first responderslearn how to make podcasts.
(03:12):
So that's kind of how I gotstarted here.
About a little over a year agois when I sent the initial email
out to MBR.
And now here I am doing apodcast.
So it's really cool, a reallygreat group of people.
If you're interested in beingon the show as a guest, if you
want to have your own show, ifyou were doing gaming now, so if
(03:34):
you want to do like a livegrant, live gaming, that's,
that's an option now too.
And music, so we have DJsplaying music at all hours of
the night.
So, yeah, look up mbr mbradiousand, yeah, we're just, uh just
(03:57):
excited to be here.
We're supposed to have a guest,um, mr Michael S Wells Esquire,
and so he is a lawyer based outof let's see, it looks like it
is Idaho so we're supposed tohave him on the show and I guess
(04:19):
we're going to have to justkind of hang out and wait, um,
because, uh, joel set this upfor us and, uh, you know, we're
just making sure that he's ableto join in.
But in the meantime, uh, we'regoing to just talk about, um,
money items in the military, um,yeah, so I brought up a few
(04:42):
different topics to discuss and,you know, always ready for
anything, just in case.
And then if we have any peoplejump in on the stream and ask
questions, that's always finetoo.
All right.
So, as you can see, we have alittle bit of a new setup, got a
(05:03):
new camera.
I'm still working on thesettings, but I think it looks
okay, all right.
And then, yeah, we're going tobe having some gaming soon.
I'm trying to set that upmyself, so I'm going to try to
do, yeah, do some gaming, freemoney advice.
We're just going to talk aboutmoney, talk about veteran life,
(05:24):
civilian life.
So, yeah, this is going to besomething for everybody.
Um should be having that soon.
And um, also, I guess I'll goahead and um throw it out there
for anyone who's listening,either via podcast or live
stream or um watching it on thetail end.
Yeah, so I mean, you know, I'ma financial social worker, I
(05:49):
have a side business and youknow.
If anyone is interested ingetting personalized financial
counseling, coaching, let meknow, shoot me a message, we'll
set something up.
I'm pretty much doing like asliding scale at this point, so
I'm going to take your situationinto consideration and we'll
(06:10):
just kind of take it from there.
But yeah, so we're waiting onMichael Wells and in the
meantime we're going to catch up.
So I pulled up some differenttopics that we could talk about.
For money in the military, justin general, um, you know,
(06:31):
because money is alreadycomplicated and you throw in the
military side of things and itgets even more complicated.
Um, but here's a few topicsthat we could talk about.
The military pay systemexplained.
This is probably more suitedfor a brand new airman or
soldier coming in.
(06:51):
So that's probably more yourfirst duty station, your first
supervisor, somebody that cankind of walk you through that in
a little bit better detail.
Saving money while in theservice this one is, I would say
, pretty important because ofthe unpredictability of the
(07:12):
military.
You're going to need money forTDYs, pcss, random things that
come up.
So, yeah, you need to have ayou know, a security blanket in
place.
So saving money on the servicecan look like all kinds of
different things.
It could be as simple as whenyou pcs you see a lot of people
(07:39):
throwing away really good stuffon the side of the road.
Maybe you could flip that ormake it better and sell it.
You know a little side hustleaction.
The other things that you coulddo is an actual side hustle
while you're in the military.
Nowadays you can do all kinds ofthings.
You have to get approval withyour command in most situations,
(08:02):
but yeah, you can.
You can do Uber, you can do allkinds of different things to
make extra money and you can putthat in savings because that's
going to.
You're going to need that andwhether it's in the short term,
midterm or longterm, you'regoing to need that money.
So you might as well put somemoney away while you're in the
(08:23):
service because, as any veterancan tell you, once you
transition it's not always easyand or cheap to get out of the
military.
Uh, then you're also losing outon regular paycheck, um,
insurance for your family andyou.
You know like all that stuffreally adds up.
(08:46):
So while you're in the service,really do the numbers,
crunching the numbers, anddetermine okay, how much am I
going to need on the outsideworld.
You can go to tap class andthey'll try to tell you that you
can.
You know there's all kinds ofdifferent ways to to determine
(09:06):
how much you're going to pay inthe civilian world.
But yeah, in the meantime,we've got some comments.
Charles Dietz, the second oh, Ididn't know you were second Keep
up the good work, thank you.
Thank you, so now we have.
Okay, I see your LinkedIn andyour.
(09:27):
Well, you're doing double work,so I appreciate that, charles,
thank you, thank you.
Yeah, so, part of the NBRfamily, charles is actually in
charge of the donations, Ibelieve.
And yeah, so I mean we'reconstantly looking for donations
(09:49):
.
So I'll go ahead and do alittle shameless plug for MBR.
There's a way to donate to usdirectly on PayPal.
But, yeah, I mean, we're allvolunteer based.
We don't get any salaries forthis, so any money that you
donate to the platform comesback to us.
So we really appreciate it andappreciate what Charles has been
(10:12):
up to with trying to uh,encourage more people to
regularly donate.
Um, but yeah, so, uh, thank youfor the comments, charles,
appreciate that, but, yeah, so,thank you for the comments,
charles, appreciate that, and so, yeah, so we were talking about
(10:33):
saving money while in service,and your future self will thank
you when it comes time toseparate.
Even if you just have like 500bucks in your checking account,
whatever you have more than whatyou need.
Your future self will thank youand your present self probably
(10:54):
will thank you.
So the other topics that we cantalk about are debt and credit
management.
Obviously, that's kind of a bigone for me.
I learned a lot about personalfinance while getting out of
debt while I was in service.
Yeah, financial mistakesservice members make We've
talked about it on so manydifferent shows, but just some
(11:16):
common pitfalls that somefinancial mistakes that service
members make, service member orfinancial mistakes that service
members make um, I was talkingto another veteran and he was
telling me about how, in basictraining, when you first got to
go to like the bx or thewhatever your branch calls it,
um, like they, they would go outand buy, like you know,
(11:40):
basically their whole checkworth of either video game stuff
or whatever, or junk food anduh, yeah, so I mean people you
know, 19 year old, first job outof school, and they're buying
PlayStation.
I guess by this point we'retalking PSPs.
So, yeah, so that was a, thatwas a thing.
(12:01):
People were in basic trainingspending their whole paycheck.
Yeah, so I mean it's definitelya common theme.
I mean you also got to chalk itup to.
You're talking about 18, 19,20-year-old young adults.
Everyone who has been at thatage knows that it's always easy
(12:24):
to look at it from the otherside and say, oh well, you
shouldn't spend that money.
But when you're in it, you're18, 19, your buddies are going
to go Burger King, you're goingto go.
It's just, I mean, unless youhave really strong discipline,
you're probably going to go withyour buddies and spend money
that you probably don't need tospend.
(12:44):
But that's part of it.
You know, I I'm I'm very much ofthe mindset to to give people
grace and to not get hard onthem, and because I know that
I've made mistakes too.
So, yeah, it's very much ajudgment-free zone.
Any of my clients they can allattest to.
(13:11):
You know it's a judgment-freezone.
It's not trying to make youfeel bad about anything.
You'll probably already feelbad enough as it is with some of
your financial decisions.
So, yeah, when it comes to debt, credit management, let know
that that's.
That's a marathon, not a sprint.
You can do sprinting, likethings, but generally speaking,
(13:32):
you know you're you're payingoff your debts slowly but surely
.
Ideally you can get aggressive.
That would be great too.
But yeah, I mean those are justsome of the common you know.
Buying the car, the 20% car, youknow, like all the different
(13:54):
common mistakes that you mightsee on a military base,
especially one where there'sbasic Chinese or first term
first base young soldiers andairmen, yeah, so I mean, there's
some interesting ways to spendyour money on base.
(14:15):
I think my brother and I weretalking about the military star
card, how that's kind of acommon financial mistake that
service members make and theymake pretty good money off of
the StarCard, I imagine.
But yeah, that is usuallyservice members' first line of
(14:38):
credit is the StarCard and thenthey get you with that 10%
discount on your first day.
Charles comments.
I think my biggest purchase inbasic training was foot powder.
You got to keep the feet dry,absolutely, yeah, yeah, that was
(15:03):
a huge purchase in basictraining for sure.
Oh man, that brings back somememories.
Keep the feet dry.
Yeah, processed, and you didn't.
(15:27):
You know you had, you just hadmoney to burn, uh, yeah.
So I mean it'd be nice to getback to that simple time, uh,
just buying snacks and stuff,all right.
So, car speaking, of car buying,we're gonna um, talk real quick
about some of the pitfallsabout buying a car on near base,
and I just found this online,but it's like a wow, this is
(15:52):
really old actually, from fortbenning, the jag office, um,
judge advocate.
So it put out like a fact sheetfor for buying cars, because
apparently they had so manyproblems for buying cars,
because apparently they had somany problems with, you know,
young people not understandingwhat they were getting into when
(16:12):
they were buying a car thatthey had to put out something.
Let me see if I can pull it upreal quick, all right.
So for those that can see,general carmine tips fact sheet
(16:33):
and this is from 2013,.
So keep that with a grain ofsalt, I guess.
But I mean, they're justgeneral terms and concepts that,
from a legal perspective, youknow they have a lot of these
problems on a military basis, sothat's why they had to put out
this fact sheet.
(16:53):
But it's really meant to be forpeople that don't have any
buying experience and this isjust a little bit of good
information to have.
Probably, if you've been aroundcars enough, you've bought
enough cars.
All this is prettyself-explanatory, but let's just
(17:14):
say that you agree to buy thesale price of $5,500.
But then when you look at thecontract, it says $6,000.
So that's where you get into.
You know, you got to read yourcontract.
It's a legal contract and, um,you know what you sign.
You know, once it's, once thatsignature is dry, then that's
(17:37):
usually pretty much it.
But uh, but yeah, this wholething is meant to kind of like
dispel some myths.
You know, one common myth isthat there's a three day or 72
hour rule and I've alwaysthought, heard this to be called
like the um, the cooling offperiod, where you can
essentially give a car backwithin that 72 hour period
(18:02):
because you had second thoughtsor um, but yeah, apparently
that's actually not really athing.
Um, once you, once you sign thecontract, you're, you know,
you're pretty much on on thehook, um.
But that being said, I do havesome experiences, personal
(18:22):
experiences, with kind ofexpressing that sentiment that
I'm basically not going to takethis car.
So there are different thingsthat you could do.
Obviously, nowadays is probablyway different, but you know,
this is just a great resource orjust a template on not going
(18:44):
into a car purchase blind, but Iwould hope that you would have
a wingman or somebody that knowswhat they're talking about.
When it comes to cars, and ifyou're buying a new car, yeah,
please take somebody with you.
Take you someone that knowswhat they're doing, ideally.
(19:05):
All right.
So that was a little bit of aninsight into the JAG office in
Fort Benning, georgia, 2013.
So that's what they wanted totalk to you about when it comes
to buying a car for the firsttime.
(19:26):
All right, so that's pretty muchgoing to get us to our first
commercial break and, let's see,I think we're going to go with
our usual mr noah peterson uh,he's still, uh, still blowing up
a little slowly, but surelyhe's getting there.
And san antonio uh, us air forus marine, sorry, um, veteran
(19:52):
and he does a lot of up-tempojazz, new modern stuff.
Uh, he's, he's just really cool, really cool guy.
I've been playing his stuff fora while and if you're a veteran
and you've got a musicalbackground, shoot us a demo.
We'll try to put something onthe air for you.
(20:14):
All right, so we'll play somemusic real quick and we'll be
right back.
Speaker 2 (22:34):
This is Noah Peterson .
Speaker 1 (22:34):
Thank you.
Thank you.
Military broadcast radio, thestation that's giving veterans a
voice.
Find us on the web at mbradious.
Opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
of any entities they represent.
Speaker 2 (22:45):
Find us on the web at mbradious.
Speaker 5 (22:50):
All right, we are back.
This is Money in the Militaryon Military Broadcast Radio.
My name is Joey Laswell.
I'm a social worker, financialsocial worker, really just nerdy
about money, started this showto basically just have an excuse
to talk about money with people.
(23:10):
So I've interviewed a bunch ofveterans, business owners,
entrepreneurs.
So if you're interested inbeing part of the show, you got
something to share with themilitary community from a
financial perspective.
Yeah, thursdays at 7 pm EasternTime Pretty much stream every
(23:32):
Thursday.
So, yes, please come join theshow, share your wisdom, your
nuggets, share your wisdom, yournuggets.
Or if you just like to talkabout money in regards to the
finances of the military members, then by all means come and
chat with me.
I'm excited about next week.
(23:53):
I have Rob and Becky Salazar.
They're old friends from VegasI'm not stationed out there and
they basically reached out to meand they said they wanted to do
a little bit of some financialcoaching and I was like, yes,
please, I was excited to seethem.
(24:16):
I haven't seen them in probablysome years now and basically
what we're going to do, we'regoing to do a series of of
episodes.
I called it couple edition.
Um, yes, the last week, butreally I mean, yeah, couples,
couples, finances is definitelysomething.
Uh, I haven't really had awhole lot of direct experience.
(24:38):
I've, I've I've counseled somecouples on their finances, but I
wouldn't say it's like myspecialty, um.
But yeah, I mean, if you're acouple you're interested in
talking about your finances, wecan do like a case study, um,
and or you can follow along withbecky and rob, um, we'll be
doing that next week, probablyat least three or four sessions,
(24:59):
and yeah, the idea is to.
I mean, they're putting theirdirt, their financial dirty
laundry out there, which I givethem lots of credit for, um, but
yeah, they're putting theirstuff on blast and basically
through our discussions we'lltry to figure out a way forward
(25:24):
and hopefully have some laughsalong the way.
Rob's a pretty funny guy,becky's really sweet, she's a
teacher, he works at a carfactory, I think in Texas, yeah.
But yeah, good people, and youknow he's a veteran, but yeah,
good people, and he's a veteran.
We worked together in Creech,aka the desert, but yeah, so
(25:55):
stay tuned for next week we'regoing to have them back on and
we're going to talk a couplefinances and they're just
wanting to get more ahead ofthemselves.
I think it sounds like they'vegot some good things going, but
they just want to optimize andmake things a little bit better.
(26:16):
So I'm excited about that.
Next week, for the next coupleof weeks, we'll have them on and
yeah, so that's pretty muchkind of a catch-up of the shows.
I've been kind of off and onwith the show, but trying to
(26:39):
stay on the pattern, I guess,all right.
So I guess we're still waitingfor Michael Wells, attorney at
law for MBR, but it looks likewe just have one of those
scheduling things that comes up.
It is what it is.
This is live podcast radio.
(27:02):
I don't know, I guess.
But yeah, I'm excited.
We were talking about before thebreak, talking about car buying
different things that themilitary members have to face we
(27:26):
talked a little bit about lastweek, about scams for military
members, like this debtconsolidation stuff is all over
the place.
So we're not going to go overthe scam stuff as much, but just
keep that stuff in your mind.
When you see something that'sgeared towards veterans, I would
say err on the side of caution,Not to say that there aren't
(27:53):
legitimate organizations thathelp vets with their finances.
I just, I would just err on theside of caution.
That's just me.
I would rather you do yourhomework, talk to a trusted
friend or family member and tryto figure it out on your own
before you make any rashdecisions.
(28:14):
So yeah, I mean, that's what Ithink about when it comes to
scams in the military.
If you do feel like you'vefallen for a scam or you have
fallen for a scam, please tellsomebody.
I mean, you're already probablygoing through the embarrassment
(28:35):
and the shame.
I get that.
But if you don't tell anybody,it's never going to get fixed,
it's never going to getaddressed.
So just tell at least yourdirect supervisor and keep them
in the loop.
You might have to talk to yourfirst sergeant or somebody else.
(28:57):
Basically, you need somebody inyour corner.
You don't want to?
Um, I guess, yeah, you.
Just you don't want to sufferin silence.
So that's, that's my thing.
There would be somebody outthere that'd be willing to sit
you down with a piece of paperand a pen and basically help you
with your finances.
(29:18):
You just got to find them, andif you're still active duty,
they usually have An office Withfinancial counselors there On
site.
Now, granted, you're probablygoing to have to wait a while,
because they are Only one or two, usually in a very large Pool
(29:41):
of people, but yeah, that'spretty much.
Well, let's see what else we gotAll right.
So budgeting on an E3 salary soI'm probably going to have to
do this one in a blog post.
I still have, I think I haveone of my original E3 alias
(30:05):
leavings and earns statement, sothat's basically your paycheck
for the military members andyeah, so I want to say my
paychecks were around $735 foran E3.
Um, yeah, so I mean I wasmaking around 1500 a month, uh,
(30:32):
as an E3 in the dorms and yeah,and then I also had free food in
the uh, food in the diningfacility while I was in the
dorms and I was usually prettygood about eating in the dorms.
I was trying to pay off debtsbut yeah, definitely the debt
(30:57):
payoff process on an E3 budgetwas not easy.
It's not fun, but it's doable,and especially helpful when you
know you don't have family, youdon't have any major
responsibilities financially.
So I mean, getting out of debtwhile you're in the dorms is
really easy, I think.
Well, not easy, but it's doable, doable.
(31:21):
I think in the well, not easy,but it's it's doable, doable.
I mean I say that just fromdirect experience because I did
it.
I was in the dorms.
I paid off twenty thousanddollars within three years and
you know it was not necessarilyfun or easy, but I did.
(31:42):
I did a lot of the things that Italk about now.
I sold items.
I set up a Amazon selleraccount and I just sold things
Like I sold, uh, old books, dvds, video games, whatever I wasn't
using.
I was like, well, this is worth20 bucks, I'm not using it and
(32:06):
I sold it for 20 bucks and thenI would use that money towards
paying off my debts.
So it was very much the DaveRamsey my hair was on fire
mentality, but but yeah, it was.
Uh, it was a great learningexperience.
I was basically in the libraryall the time reading books on
(32:27):
finance and um, and yeah, nowhere I am, like 10, 12 years
later, still nerding out aboutfinances.
But that's just how I roll.
I'm not going to apologize forbeing in love with finances and
stuff.
(32:51):
Okay, so Charles actually addedanother couple other comments.
So he says the buyer's remorsethree day yeah, so that's the
whole cool down period for somepeople.
I guess they don't really dothat anymore.
But and then it's like he saysalso good if you're at a, if
(33:11):
you're there at a base, or atbase, see who's getting ready to
ship overseas.
They can't take their vehiclewith them.
You can normally get it at asteep discount, yes, that's.
Another great element is carbuying.
Whenever you're, you know, oneof those mistakes that a lot of
(33:32):
young people make is they buythat 20% Dodge Charger that has
a lot of miles on.
It't been very well maintained,yeah.
So that's usually the kind ofcar that they end up with.
The smart, the smart persongoes out and looks at the lemon
lot or wherever, like you know,a friend of a friend, kind of
(33:53):
thing.
Like, oh yeah, I heard thatyou're trying to get rid of your
cars.
Well, that's, that's, that's,it's a great idea.
You can, you can I mean yardsales.
For days Now you got to becareful, hoarding and just
accumulating extra stuff thatyou don't need.
That's, that's going to do moreharm than good, probably.
(34:16):
And then, when it comes time toPCS, you're going to have to
get rid of a lot of that stuffanyway.
So just be careful when itcomes to accumulating things
like that.
But yeah, you can get a reallygood deal on not just cars, but,
like you know, sometimes peoplebuy things without realizing
they're going overseas Like atrampoline or something, I don't
(34:39):
know, just anything, and youmight be surprised.
Yeah, you can make a deal forsome of these things.
But yeah, thank you, charlesfor jumping in again, appreciate
the interjections and advice.
So, yeah, I mean we got a lotof great.
(35:00):
And this is the thing that Italk about with even people in
NBR is that, you know, a lot ofpeople really downplay their
financial skill set.
I guess, if you want to call itthat, I think people have this
weird chip on their shoulderabout finances and how they're
(35:22):
like oh, I'm horrible withfinances, and you know it's
almost like this thing whereit's like you know, some people
think they're not good at mathand you know it's almost like
this thing where it's like youknow, some people think they're
not good at math and you know,in some cases they might be, but
it's also like a programmingthing where they've, you know,
they've basically built up thisidea in their head that they're
not good with X, y, z, and sothen they're not.
(35:44):
And I think that a lot ofpeople have that trouble with
money is they just think I'm notgood with money.
It's like a script that isrunning through their heads and
when they're not good with money, when something happens that
validates them and they're likeoh yeah, I told you I wasn't
(36:07):
good with money, but when theyare good with money, they don't
get any credit or no oneacknowledges that.
So, yeah, I just wanted toacknowledge that I think more
people are better with moneythan they realize, or at least
they're not as inept as theymight think.
They are as well.
I think most people aresomewhere in the middle.
(36:29):
Honestly, that's just myobservations.
I think people, yeah, theytreat finances with a 10-foot
pole.
They're like I don't want todeal with it, like put their
fingers in their ears, justeverything that they can think
of, to not think about money.
But I mean, it's just like anylife skill.
(36:51):
You're going to have to justlearn how to deal with it.
You know, I mean I wasfinancially illiterate.
I became literate.
It was a skill, it was a musclethat I had to learn to pump up
to whatever you know, and Ithink that that's where I would
(37:12):
sell everyone.
Just like you can get healthyphysically, you guys can get
healthy financially and I think,giving yourself some grace and
(37:37):
not being so hard on yourselffor your financial decisions,
because I mean, let's be real,like financial mistakes can
linger for a long time, and Imean maybe I'm projecting here,
but I still have financialregrets from decades ago, things
that I'm like why did I buythat?
I didn't need that?
(37:57):
And then it usually ends upbeing like a domino effect of
like, because I bought this onething, it messed up this thing,
my, my checking account did thisweird thing, and now I'm like
overdraft or whatever this youknow, um, that's, that's a
common human oversight thing.
(38:18):
That's not anything to reallyget get in your head about.
But yeah, I do.
I do feel like people arereally hard on themselves for
their finances and, um, I justtrying to get people to change
that, that dialogue in theirhead.
(38:39):
Yeah, charles jumps in and saysit's all about discipline.
Yeah, cause I mean having, youknow, even just having lots of
money, it doesn't mean thatyou're good with money, so you
could be.
You know, scrooge McDuck haveall this money Sorry, I've been
watching cartoons lately, butyeah, so I mean you know, having
(39:02):
all that money doesn't make himhappy necessarily, and I think
that's where we as humans alsoneed to find out that sweet spot
.
You know it's all aboutdiscipline too.
You know, like sometimes, yeah,you, you can't afford to buy a
new drone or a new 3d printer.
I'm just talking about what'sin my head.
(39:24):
But yeah, very well, easilycould probably afford those
things, but do I really needthem?
And you know, that's where thediscipline comes into play.
Is that like, yes, somewheredown the road I might end up
buying some of those types ofthings, but for now I'm going to
show discipline and just notnot buy it it's going to be.
(39:48):
Um, and I've been on both sidesof that coin.
I've been on the impulsiveshopper side and I've been on
the walking out of the storeempty handed, discipline type,
where I'm like you know what, Idon't need this and I'm not
going to spend the money.
Uh, doesn't always work thatway, way, but, like I said, I'm
(40:09):
human.
I've been on both sides of thatcoin.
I've been a consumer, I've beena saver, been a spender, and I
think that's one of those like.
Your finances is also like aspectrum where you might be a
spender in one period of yourlife and then, as you get older,
(40:29):
you turn into a saver, or viceversa.
I've seen it.
I've seen it the reverse ofthat, where somebody was a saver
their whole life and then theyget into this whole thing of
like, all right, I'm yellow nowand I'm gonna, I'm gonna spend
all my money.
I've been guilty of that too,and some in some part, um, I'm
going to spend all my money.
(40:51):
I've been guilty of that too insome part.
But yeah, charles actually hasgot some really good stuff today
, well, always.
But it's no fun becoming aslave to payments.
You want the nice thing or thatnice thing it's a lot less
stressful.
If you save up and buy it, thenyou finance everything.
Yes absolutely being slave tothe payments.
I find that a lot of people arestruggling with that lately of
(41:14):
financing everything becauseit's so easy.
And then you know like the Afirm stuff you know for payments
, for easy payments, that wholething.
You know like they're getting alot of people with that,
especially younger generation.
So be careful with those easypayment plan things because
(41:34):
those add up really quickly.
But yes, it's no fun to becominga slave to payments.
And then there's also a weirdthing of like when you save up
and buy for something and payfor it in cash.
There's something reallysatisfying about that.
Honestly, it's almost like agoal unlocked where you're just
(41:55):
like, oh yeah, I had patienceand discipline and I saved up
for that thing and then I'mgonna buy it.
So you get the satisfaction ofbuying it, you get the
satisfaction of buying it, youget the satisfaction of delayed
gratification and you know youget to basically have a little
mini Christmas right there.
It's a win-win-win foreverybody.
(42:18):
But yeah, thank you, Charles,for all your insights.
We're just going to have tohave you on the show man and
just talk Because, mean you're,you're fundraising for, uh, for
us.
So obviously you have some goodfinancial um, foundations that
we could probably talk about.
So, if you're interested, wedefinitely want to have have you
(42:40):
on the show at some point.
Because the other thing that Iwas thinking about too and this
is reminding me is that all ofus veterans, while we might not
think of ourselves as financialexperts, we've all been through
(43:01):
a lot of financial stuff, youknow.
I mean just going through basictraining, going through tech
schools and then getting to yourbase and then learning about
all these different allowancesthat you're supposed to get.
So, yeah, I mean, we've allbeen through it.
(43:25):
I feel like have a differentperspective on money, and maybe
even you know they could, they,they can handle it more or
better than than others, I don'tknow, but then again, we're all
humans.
I've seen veterans that arereally good with their money and
then veterans who are not sogood with their money, and then
(43:46):
most everyone is kind ofsomewhere in the middle.
Veterans who are not so goodwith their money, and then most
everyone is kind of somewhere inthe middle.
Um, but yeah, so what I was,what I was getting at was in
this I'm trying to instill inthis like almost like um,
financial avengers where, likeall these people are strong in
something, in saving, investing,investing, whatever but they
(44:11):
don't brag about it, they don'ttalk about it.
So they're secretly.
They're like the secretmillionaire next door.
You've got people like that.
You've got like the E5 in youroffice that is sitting on half a
million dollars.
You don't know that, butthey're like a secret day trader
(44:32):
or something like that.
Those are the type of peoplethat I want you to find, pick
their brains and just learn from, because they're they're
already doing advanced what mostpeople are doing.
And the other surprising thingthat people might not realize is
(44:53):
that those people want to helpother people with their finances
.
They're just usually kind ofquiet or shy about it.
You know, it's almost like thewhole don't look at me thing,
like, oh, you know, it's almostlike the whole don't look at me
thing, like, oh, you know who amI.
But you know like I've seenpeople who are active duty, who
(45:13):
are on the verge or basicallyalready millionaires and and you
would never guess it.
So yeah, we got some morecomments from Charles.
He says I don't know why, butfor some reason I seem to learn
more from my failures with myfinances and other things in my
life than I do with my successes.
(45:33):
That's actually that hitspretty pretty close to home too,
charles.
So, yeah, you know that's acommon argument that most
failures in life, or mostlessons learned, are through
failures, and you usually end uplearning the better lessons
(46:02):
through actually failing.
And I think that's where, evenwhen I was giving my financial
advice to a 19-year-old, it wasfalling on deaf ears and I.
It was falling on deaf ears andI knew it was falling on deaf
ears, um, but I still had to sayit, you know, because I wish at
19 that I had somebody to kindof stop me from doing some of
(46:23):
the things that I was probablygoing to do anyways.
But, like you said, some thingsare best learned the hard way
and, honestly, some of my evenmy best financial failures were
just horrible mistakes that Imade and I had to pay for them.
But I'm also a big proponent ofyou don't have to reinvent the
(46:45):
wheel.
So if somebody has already beendown this very bumpy road, I
personally don't necessarilywant to go down that same road
Like, okay, give me some lessons, give me some better shoes or
something.
I don't want to have to sufferthe same exact way you did.
(47:06):
So if I'm learning this newthing, I'm going to take the
advice of somebody who's beendown that path and you know can
can save me some considerabletime and energy and effort.
But yeah, I don't know, there'ssomething there, something
about the failures and just the.
(47:28):
The data seems to show that itsticks more whenever you're,
whenever you're failing, likeit's almost like you level up,
each failure turns into a newskill that you unlocked.
But, um, but yeah, that's agreat, uh, great point, charles.
I mean honestly, uh, I thinkthat's pretty common and I would
(47:49):
say pretty.
I mean, I resonate with it forsure.
Um, all of my best financialmistakes have been some of my
best lessons, and that's usuallywhen I'm um, like when I'm
counseling someone, like I haveto be, I have to basically be
(48:13):
careful, because I'm like Ican't really criticize this
person for what they're doing orwhat they've done, because I
literally have done the samething to.
You know, I have to give myselfsome a break and realize, okay,
I was once 19, I made some poordecisions financially and you
(48:34):
know that's part of life.
No, into the weeds.
So we got amber and Charlesdoing double duty on my show.
So I appreciate you guys.
I think, amber, you've beenunder weather so I hope you get
to feeling better.
Uh, it's been going around, but, um, yeah, we're me and Charles
(48:55):
.
We're just kind of talking,talking finances, um, but yeah,
it's been, uh, it's been a greatlittle, uh mini adventure we
got, um, hopefully we'll haveCharles on the show soon so we
can talk some.
You know, maybe we can eventalk about some of the
fundraising things that he'sbeen able to implement, and then
(49:19):
we can just talk about some ofour future endeavors regarding
MBR.
But, yeah, charles has beenkeeping me company, and now
Amber, so I appreciate you guys,and we also have Rocket in the
background, who is alwayskeeping me company as well.
Alright, so I mean, at thispoint, we got about five or six
(49:45):
minutes before I have to wrap upeverything, but just everyone,
thank you for joining in, thankyou for Charles and Amber for
interjecting.
And, yeah, I mean, at thispoint I guess we can talk about
some.
I guess some just random topicsthat are trending right now.
(50:07):
I know that I do want to do aseries on the thrift savings
plan.
I'm probably going to do awhole video series on that at
some point.
Um, I'm not, probably not goingto touch real estate investing,
because that's you know,there's all kinds of guys that
are already doing that.
Veterans and entrepreneurship Idefinitely have covered that,
(50:30):
um, but I'm also always down tolearn, and so if you're a
successful entrepreneur, veteran, um, I'm definitely willing to
have you on the show and tellyour story and learn, because I
learned something from every oneof my guests, no matter what,
and I love that, um, yeah.
So then we also have militaryskills for side hustles, so you
(50:52):
can do freelancing, consulting,digital opportunities.
I've even seen some militarymembers being a social media
stars.
Essentially, I don't know howthat works with their command,
but, um, yeah, I think they're,they're allowed to do that up to
a certain point.
All right.
So other quick things that wecould talk about so, yeah, we're
(51:16):
gonna do a thrift savings plandeep dive VA loans and we can
talk a little bit about just theVA loans in general, like yeah
just the do's and don'ts, thingslike that, how to leverage
those loans effectively, becauseI mean the, the va loans or the
gi bill loan or that sorry, theva loans can be really, really
(51:40):
helpful for anybody, you know,trying to buy a house.
House, because you don't haveto worry about paying PMI, which
is private mortgage insurance,I think.
So you, basically you don'thave to pay that, which can be
hundreds of dollars a month.
You don't have to put moneydown necessarily, so that saves
(52:01):
you money in the long run, andgenerally the rates are lower or
at least competitive.
And generally the rates arelower or at least competitive.
So if you can get a VA loan,you're going to do okay, it's
not the end.
All everything is not like okay, well, if you don't get a VA
loan, then you're screwed.
(52:22):
No, I think it's just a tool,just like the GI Bill, vr&e and
all these different programs.
They're there for you, theywork for some people and they
don't work for others.
But you want to do your duediligence and be informed, and
(52:44):
the VA loan is just another oneof those things.
You have to be informed aboutyour benefits, take use of it
and be smart about it, becausethat has a lot of implications.
As far as the loan implications, obviously this is a 15-year
(53:08):
commitment or a 30-yearcommitment, depending on which
direction you go, but if youcompare a regular traditional
loan versus the VA loan, then,if I remember correctly, you're
going to be saving you hundredsof dollars in the same house.
So definitely use your VA loans.
(53:30):
All right, yeah, so we got.
Man Charles is on fire today.
Always make sure when you buy ahome with the VA loan or any
other loan, not to buy the mostexpensive one you can afford,
because everyone falls on hardtimes eventually and cannot be
said True words cannot be said.
(53:51):
Any homeowner who has had homefor more than a couple of years,
or even just right at the gate.
I've heard of homeowners signin the dotted line and then the
roof caves in the next day.
So all that to say is that,yeah, your point is very well
taken, because whether it's a VAloan or not, you don't want to
(54:14):
buy, you don't want to be housepoor, you want to live in a
modest house that you can affordand you also want to have money
aside for emergencies, forhouse emergencies.
So that's all another.
We can probably do a wholeanother series, yeah, on just
home loaner, home ownership andall that other stuff.
But yeah, great, greatperspectives on on the ve loans
(54:38):
and or just in general homeownership.
Don't buy at the high end, justlike being carport.
You know, like if you go into adealership you say, oh, I want
to spend 600, they're going toget you in a 600 car, but you
don't, you don't necessarilyneed that maybe.
So that's where you gotta bestrong.
(55:01):
As I go into the dealership thecolor dealership, like you want
to go in with a good wingman,um, um, stay firm.
But you know you gotta.
This is a major purchase.
You can't just rush into it,you know, which is probably a
good thing they don't.
But, um, but yeah, once again,charles, dropping those
(55:21):
knowledge, wisdom, uh, knowledgenuggets on us, nuggets on us,
but I think that's that's gonnabe cutting it.
Cut the close for our time,kind of a chill session.
So I appreciate you guys.
You know, like we're supposedto have Michael Wells, attorney
at law for MBR, but just didn'twork out this time.
(55:43):
Not the first time, won't bethe last, but he's just excited
To talk money and Charlesstepped up In full Regalia of
Work there.
So I appreciate it, charles.
(56:04):
But, yeah, that's pretty muchgoing to be the show Tune in
next week.
We got Rob and Becky Salazar.
We're going to be going throughtheir finances together.
You know, make it a spousedating thing, like, take your
spouse, watch it on TV becauseit's on Roku and on Amazon
(56:27):
Firestick or YouTube.
So, yeah, watch us as a coupleand, you know, maybe it could be
a good way to have a discussionabout your finances together.
So, yeah, that's my pitch nextThursday at 7 Eastern.
So, all right, at 7 Eastern,alright, well, yeah, charles,
(56:54):
man, throwing in, you make mefeel, you make me all fluttery
inside.
We appreciate you too, joey.
You're doing a great job andhave a lot of wisdom.
You're making me blush, butthank you Charles, thank you
Amber, I appreciate you guys.
You guys have been amazingthroughout this whole journey.
So, uh, so, thank you.
Um, that's pretty much going tobe the show for the day.
(57:17):
Thank you guys.
I appreciate it.
Um, thank you for tuning in toMBR.
Please share and like andsubscribe and all that good
stuff.
But, uh, yeah, you're, you're,uh, you're helping a veteran.
This is part of my therapy,just so you know that my weekly
therapy is doing this with youguys.
So, so, thank you for being apart of my, my therapeutic
(57:39):
journey on this uh, crazy blueball colder.
But yes, thank you so much andthat's going to be it for this
episode.
Thank you again, again, and wewill catch you guys on the next
stream ladies and gentlemen,thank you for tuning in to
military broadcast radio.
Speaker 3 (58:00):
As we wrap up today's show, we want to remind you
that the podcast of today'sepisode will be available right
after we go off the air, so ifyou missed any part of the show
or want to listen again, be sureto check it out.
And remember we're here tosupport and honor our veterans.
(58:22):
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
catch the podcast and stayconnected with us Giving our
veterans a voice.
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Speaker 2 (00:35):
This entire military is one cohesive, dedicated force
.
And the threats to our nations?
They don't sleep.
They're watching our every moveIran, russia, china, north
Korea, isis, al-qaeda they maybe watching this right now.
Speaker 1 (00:57):
Our military should not be mistaken for our cable
news gab fest show.
We don't care what you looklike.
We don't care who you voted for.
We don't care who you voted for, who you worship, what you
worship, who you love it doesn'tmatter if your dad left you
millions when he died or if youknew who your father was.
Speaker 2 (01:16):
We have been honed into a machine of lethal moving
parts that you would be wise toavoid if you know what's good
for you.
We will not be intimidated.
We will not be intimidated.
We will not back down.
We don't want war, but if youwant war with the United States
of America, there's one thing Ican promise you, so help me God,
(01:37):
someone else will raise yoursons and daughters.
Speaker 3 (01:47):
Military Broadcast Radio, the station that's giving
veterans a voice.
Speaker 2 (01:53):
Find us on the web at mbradious.
Speaker 4 (01:59):
I'm a certified financial social worker.
I was in the Air Force for 14years years and then I paid off
$20,000 of debt while I wasactive duty within three years
as an E3.
So that's kind of like I gotreally into personal finance and
so I've been really passionateabout that ever since, and that
(02:20):
was 10, 12 years ago now.
So since then I became a socialworker and now I'm a certified
financial social worker.
So we kind of get into, youknow, dealing with finances but
then also kind of dealing withthe psychology behind finances,
like the you know, the mentalside of things.
Speaker 3 (02:38):
So Ladies and gentlemen, your battle buddy
when it comes to finances.
Please welcome the fire socialworker, joey Laswell.
Speaker 5 (02:52):
Oh, hello everybody, Perfect timing.
My name is Joey Laswell andthis is Money in the Military,
on Military Broadcast Radio,where we're giving veterans a
voice, where we're givingveterans a voice, and this is
the whole organization is builtaround having people, having
veterans and first responderslearn how to make podcasts.
(03:12):
So that's kind of how I gotstarted here.
About a little over a year agois when I sent the initial email
out to MBR.
And now here I am doing apodcast.
So it's really cool, a reallygreat group of people.
If you're interested in beingon the show as a guest, if you
want to have your own show, ifyou were doing gaming now, so if
(03:34):
you want to do like a livegrant, live gaming, that's,
that's an option now too.
And music, so we have DJsplaying music at all hours of
the night.
So, yeah, look up mbr mbradiousand, yeah, we're just, uh just
(03:57):
excited to be here.
We're supposed to have a guest,um, mr Michael S Wells Esquire,
and so he is a lawyer based outof let's see, it looks like it
is Idaho so we're supposed tohave him on the show and I guess
(04:19):
we're going to have to justkind of hang out and wait, um,
because, uh, joel set this upfor us and, uh, you know, we're
just making sure that he's ableto join in.
But in the meantime, uh, we'regoing to just talk about, um,
money items in the military, um,yeah, so I brought up a few
(04:42):
different topics to discuss and,you know, always ready for
anything, just in case.
And then if we have any peoplejump in on the stream and ask
questions, that's always finetoo.
All right.
So, as you can see, we have alittle bit of a new setup, got a
(05:03):
new camera.
I'm still working on thesettings, but I think it looks
okay, all right.
And then, yeah, we're going tobe having some gaming soon.
I'm trying to set that upmyself, so I'm going to try to
do, yeah, do some gaming, freemoney advice.
We're just going to talk aboutmoney, talk about veteran life,
(05:24):
civilian life.
So, yeah, this is going to besomething for everybody.
Um should be having that soon.
And um, also, I guess I'll goahead and um throw it out there
for anyone who's listening,either via podcast or live
stream or um watching it on thetail end.
Yeah, so I mean, you know, I'ma financial social worker, I
(05:49):
have a side business and youknow.
If anyone is interested ingetting personalized financial
counseling, coaching, let meknow, shoot me a message, we'll
set something up.
I'm pretty much doing like asliding scale at this point, so
I'm going to take your situationinto consideration and we'll
(06:10):
just kind of take it from there.
But yeah, so we're waiting onMichael Wells and in the
meantime we're going to catch up.
So I pulled up some differenttopics that we could talk about.
For money in the military, justin general, um, you know,
(06:31):
because money is alreadycomplicated and you throw in the
military side of things and itgets even more complicated.
Um, but here's a few topicsthat we could talk about.
The military pay systemexplained.
This is probably more suitedfor a brand new airman or
soldier coming in.
(06:51):
So that's probably more yourfirst duty station, your first
supervisor, somebody that cankind of walk you through that in
a little bit better detail.
Saving money while in theservice this one is, I would say
, pretty important because ofthe unpredictability of the
(07:12):
military.
You're going to need money forTDYs, pcss, random things that
come up.
So, yeah, you need to have ayou know, a security blanket in
place.
So saving money on the servicecan look like all kinds of
different things.
It could be as simple as whenyou pcs you see a lot of people
(07:39):
throwing away really good stuffon the side of the road.
Maybe you could flip that ormake it better and sell it.
You know a little side hustleaction.
The other things that you coulddo is an actual side hustle
while you're in the military.
Nowadays you can do all kinds ofthings.
You have to get approval withyour command in most situations,
(08:02):
but yeah, you can.
You can do Uber, you can do allkinds of different things to
make extra money and you can putthat in savings because that's
going to.
You're going to need that andwhether it's in the short term,
midterm or longterm, you'regoing to need that money.
So you might as well put somemoney away while you're in the
(08:23):
service because, as any veterancan tell you, once you
transition it's not always easyand or cheap to get out of the
military.
Uh, then you're also losing outon regular paycheck, um,
insurance for your family andyou.
You know like all that stuffreally adds up.
(08:46):
So while you're in the service,really do the numbers,
crunching the numbers, anddetermine okay, how much am I
going to need on the outsideworld.
You can go to tap class andthey'll try to tell you that you
can.
You know there's all kinds ofdifferent ways to to determine
(09:06):
how much you're going to pay inthe civilian world.
But yeah, in the meantime,we've got some comments.
Charles Dietz, the second oh, Ididn't know you were second Keep
up the good work, thank you.
Thank you, so now we have.
Okay, I see your LinkedIn andyour.
(09:27):
Well, you're doing double work,so I appreciate that, charles,
thank you, thank you.
Yeah, so, part of the NBRfamily, charles is actually in
charge of the donations, Ibelieve.
And yeah, so I mean we'reconstantly looking for donations
(09:49):
.
So I'll go ahead and do alittle shameless plug for MBR.
There's a way to donate to usdirectly on PayPal.
But, yeah, I mean, we're allvolunteer based.
We don't get any salaries forthis, so any money that you
donate to the platform comesback to us.
So we really appreciate it andappreciate what Charles has been
(10:12):
up to with trying to uh,encourage more people to
regularly donate.
Um, but yeah, so, uh, thank youfor the comments, charles,
appreciate that, but, yeah, so,thank you for the comments,
charles, appreciate that, and so, yeah, so we were talking about
(10:33):
saving money while in service,and your future self will thank
you when it comes time toseparate.
Even if you just have like 500bucks in your checking account,
whatever you have more than whatyou need.
Your future self will thank youand your present self probably
(10:54):
will thank you.
So the other topics that we cantalk about are debt and credit
management.
Obviously, that's kind of a bigone for me.
I learned a lot about personalfinance while getting out of
debt while I was in service.
Yeah, financial mistakesservice members make We've
talked about it on so manydifferent shows, but just some
(11:16):
common pitfalls that somefinancial mistakes that service
members make, service member orfinancial mistakes that service
members make um, I was talkingto another veteran and he was
telling me about how, in basictraining, when you first got to
go to like the bx or thewhatever your branch calls it,
um, like they, they would go outand buy, like you know,
(11:40):
basically their whole checkworth of either video game stuff
or whatever, or junk food anduh, yeah, so I mean people you
know, 19 year old, first job outof school, and they're buying
PlayStation.
I guess by this point we'retalking PSPs.
So, yeah, so that was a, thatwas a thing.
(12:01):
People were in basic trainingspending their whole paycheck.
Yeah, so I mean it's definitelya common theme.
I mean you also got to chalk itup to.
You're talking about 18, 19,20-year-old young adults.
Everyone who has been at thatage knows that it's always easy
(12:24):
to look at it from the otherside and say, oh well, you
shouldn't spend that money.
But when you're in it, you're18, 19, your buddies are going
to go Burger King, you're goingto go.
It's just, I mean, unless youhave really strong discipline,
you're probably going to go withyour buddies and spend money
that you probably don't need tospend.
(12:44):
But that's part of it.
You know, I I'm I'm very much ofthe mindset to to give people
grace and to not get hard onthem, and because I know that
I've made mistakes too.
So, yeah, it's very much ajudgment-free zone.
Any of my clients they can allattest to.
(13:11):
You know it's a judgment-freezone.
It's not trying to make youfeel bad about anything.
You'll probably already feelbad enough as it is with some of
your financial decisions.
So, yeah, when it comes to debt, credit management, let know
that that's.
That's a marathon, not a sprint.
You can do sprinting, likethings, but generally speaking,
(13:32):
you know you're you're payingoff your debts slowly but surely
.
Ideally you can get aggressive.
That would be great too.
But yeah, I mean those are justsome of the common you know.
Buying the car, the 20% car, youknow, like all the different
(13:54):
common mistakes that you mightsee on a military base,
especially one where there'sbasic Chinese or first term
first base young soldiers andairmen, yeah, so I mean, there's
some interesting ways to spendyour money on base.
(14:15):
I think my brother and I weretalking about the military star
card, how that's kind of acommon financial mistake that
service members make and theymake pretty good money off of
the StarCard, I imagine.
But yeah, that is usuallyservice members' first line of
(14:38):
credit is the StarCard and thenthey get you with that 10%
discount on your first day.
Charles comments.
I think my biggest purchase inbasic training was foot powder.
You got to keep the feet dry,absolutely, yeah, yeah, that was
(15:03):
a huge purchase in basictraining for sure.
Oh man, that brings back somememories.
Keep the feet dry.
Yeah, processed, and you didn't.
(15:27):
You know you had, you just hadmoney to burn, uh, yeah.
So I mean it'd be nice to getback to that simple time, uh,
just buying snacks and stuff,all right.
So, car speaking, of car buying,we're gonna um, talk real quick
about some of the pitfallsabout buying a car on near base,
and I just found this online,but it's like a wow, this is
(15:52):
really old actually, from fortbenning, the jag office, um,
judge advocate.
So it put out like a fact sheetfor for buying cars, because
apparently they had so manyproblems for buying cars,
because apparently they had somany problems with, you know,
young people not understandingwhat they were getting into when
(16:12):
they were buying a car thatthey had to put out something.
Let me see if I can pull it upreal quick, all right.
So for those that can see,general carmine tips fact sheet
(16:33):
and this is from 2013,.
So keep that with a grain ofsalt, I guess.
But I mean, they're justgeneral terms and concepts that,
from a legal perspective, youknow they have a lot of these
problems on a military basis, sothat's why they had to put out
this fact sheet.
(16:53):
But it's really meant to be forpeople that don't have any
buying experience and this isjust a little bit of good
information to have.
Probably, if you've been aroundcars enough, you've bought
enough cars.
All this is prettyself-explanatory, but let's just
(17:14):
say that you agree to buy thesale price of $5,500.
But then when you look at thecontract, it says $6,000.
So that's where you get into.
You know, you got to read yourcontract.
It's a legal contract and, um,you know what you sign.
You know, once it's, once thatsignature is dry, then that's
(17:37):
usually pretty much it.
But uh, but yeah, this wholething is meant to kind of like
dispel some myths.
You know, one common myth isthat there's a three day or 72
hour rule and I've alwaysthought, heard this to be called
like the um, the cooling offperiod, where you can
essentially give a car backwithin that 72 hour period
(18:02):
because you had second thoughtsor um, but yeah, apparently
that's actually not really athing.
Um, once you, once you sign thecontract, you're, you know,
you're pretty much on on thehook, um.
But that being said, I do havesome experiences, personal
(18:22):
experiences, with kind ofexpressing that sentiment that
I'm basically not going to takethis car.
So there are different thingsthat you could do.
Obviously, nowadays is probablyway different, but you know,
this is just a great resource orjust a template on not going
(18:44):
into a car purchase blind, but Iwould hope that you would have
a wingman or somebody that knowswhat they're talking about.
When it comes to cars, and ifyou're buying a new car, yeah,
please take somebody with you.
Take you someone that knowswhat they're doing, ideally.
(19:05):
All right.
So that was a little bit of aninsight into the JAG office in
Fort Benning, georgia, 2013.
So that's what they wanted totalk to you about when it comes
to buying a car for the firsttime.
(19:26):
All right, so that's pretty muchgoing to get us to our first
commercial break and, let's see,I think we're going to go with
our usual mr noah peterson uh,he's still, uh, still blowing up
a little slowly, but surelyhe's getting there.
And san antonio uh, us air forus marine, sorry, um, veteran
(19:52):
and he does a lot of up-tempojazz, new modern stuff.
Uh, he's, he's just really cool, really cool guy.
I've been playing his stuff fora while and if you're a veteran
and you've got a musicalbackground, shoot us a demo.
We'll try to put something onthe air for you.
(20:14):
All right, so we'll play somemusic real quick and we'll be
right back.
Speaker 2 (22:34):
This is Noah Peterson .
Speaker 1 (22:34):
Thank you.
Thank you.
Military broadcast radio, thestation that's giving veterans a
voice.
Find us on the web at mbradious.
Opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
of any entities they represent.
Speaker 2 (22:45):
Find us on the web at mbradious.
Speaker 5 (22:50):
All right, we are back.
This is Money in the Militaryon Military Broadcast Radio.
My name is Joey Laswell.
I'm a social worker, financialsocial worker, really just nerdy
about money, started this showto basically just have an excuse
to talk about money with people.
(23:10):
So I've interviewed a bunch ofveterans, business owners,
entrepreneurs.
So if you're interested inbeing part of the show, you got
something to share with themilitary community from a
financial perspective.
Yeah, thursdays at 7 pm EasternTime Pretty much stream every
(23:32):
Thursday.
So, yes, please come join theshow, share your wisdom, your
nuggets, share your wisdom, yournuggets.
Or if you just like to talkabout money in regards to the
finances of the military members, then by all means come and
chat with me.
I'm excited about next week.
(23:53):
I have Rob and Becky Salazar.
They're old friends from VegasI'm not stationed out there and
they basically reached out to meand they said they wanted to do
a little bit of some financialcoaching and I was like, yes,
please, I was excited to seethem.
(24:16):
I haven't seen them in probablysome years now and basically
what we're going to do, we'regoing to do a series of of
episodes.
I called it couple edition.
Um, yes, the last week, butreally I mean, yeah, couples,
couples, finances is definitelysomething.
Uh, I haven't really had awhole lot of direct experience.
(24:38):
I've, I've I've counseled somecouples on their finances, but I
wouldn't say it's like myspecialty, um.
But yeah, I mean, if you're acouple you're interested in
talking about your finances, wecan do like a case study, um,
and or you can follow along withbecky and rob, um, we'll be
doing that next week, probablyat least three or four sessions,
(24:59):
and yeah, the idea is to.
I mean, they're putting theirdirt, their financial dirty
laundry out there, which I givethem lots of credit for, um, but
yeah, they're putting theirstuff on blast and basically
through our discussions we'lltry to figure out a way forward
(25:24):
and hopefully have some laughsalong the way.
Rob's a pretty funny guy,becky's really sweet, she's a
teacher, he works at a carfactory, I think in Texas, yeah.
But yeah, good people, and youknow he's a veteran, but yeah,
good people, and he's a veteran.
We worked together in Creech,aka the desert, but yeah, so
(25:55):
stay tuned for next week we'regoing to have them back on and
we're going to talk a couplefinances and they're just
wanting to get more ahead ofthemselves.
I think it sounds like they'vegot some good things going, but
they just want to optimize andmake things a little bit better.
(26:16):
So I'm excited about that.
Next week, for the next coupleof weeks, we'll have them on and
yeah, so that's pretty muchkind of a catch-up of the shows.
I've been kind of off and onwith the show, but trying to
(26:39):
stay on the pattern, I guess,all right.
So I guess we're still waitingfor Michael Wells, attorney at
law for MBR, but it looks likewe just have one of those
scheduling things that comes up.
It is what it is.
This is live podcast radio.
(27:02):
I don't know, I guess.
But yeah, I'm excited.
We were talking about before thebreak, talking about car buying
different things that themilitary members have to face we
(27:26):
talked a little bit about lastweek, about scams for military
members, like this debtconsolidation stuff is all over
the place.
So we're not going to go overthe scam stuff as much, but just
keep that stuff in your mind.
When you see something that'sgeared towards veterans, I would
say err on the side of caution,Not to say that there aren't
(27:53):
legitimate organizations thathelp vets with their finances.
I just, I would just err on theside of caution.
That's just me.
I would rather you do yourhomework, talk to a trusted
friend or family member and tryto figure it out on your own
before you make any rashdecisions.
(28:14):
So yeah, I mean, that's what Ithink about when it comes to
scams in the military.
If you do feel like you'vefallen for a scam or you have
fallen for a scam, please tellsomebody.
I mean, you're already probablygoing through the embarrassment
(28:35):
and the shame.
I get that.
But if you don't tell anybody,it's never going to get fixed,
it's never going to getaddressed.
So just tell at least yourdirect supervisor and keep them
in the loop.
You might have to talk to yourfirst sergeant or somebody else.
(28:57):
Basically, you need somebody inyour corner.
You don't want to?
Um, I guess, yeah, you.
Just you don't want to sufferin silence.
So that's, that's my thing.
There would be somebody outthere that'd be willing to sit
you down with a piece of paperand a pen and basically help you
with your finances.
(29:18):
You just got to find them, andif you're still active duty,
they usually have An office Withfinancial counselors there On
site.
Now, granted, you're probablygoing to have to wait a while,
because they are Only one or two, usually in a very large Pool
(29:41):
of people, but yeah, that'spretty much.
Well, let's see what else we gotAll right.
So budgeting on an E3 salary soI'm probably going to have to
do this one in a blog post.
I still have, I think I haveone of my original E3 alias
(30:05):
leavings and earns statement, sothat's basically your paycheck
for the military members andyeah, so I want to say my
paychecks were around $735 foran E3.
Um, yeah, so I mean I wasmaking around 1500 a month, uh,
(30:32):
as an E3 in the dorms and yeah,and then I also had free food in
the uh, food in the diningfacility while I was in the
dorms and I was usually prettygood about eating in the dorms.
I was trying to pay off debtsbut yeah, definitely the debt
(30:57):
payoff process on an E3 budgetwas not easy.
It's not fun, but it's doable,and especially helpful when you
know you don't have family, youdon't have any major
responsibilities financially.
So I mean, getting out of debtwhile you're in the dorms is
really easy, I think.
Well, not easy, but it's doable, doable.
(31:21):
I think in the well, not easy,but it's it's doable, doable.
I mean I say that just fromdirect experience because I did
it.
I was in the dorms.
I paid off twenty thousanddollars within three years and
you know it was not necessarilyfun or easy, but I did.
(31:42):
I did a lot of the things that Italk about now.
I sold items.
I set up a Amazon selleraccount and I just sold things
Like I sold, uh, old books, dvds, video games, whatever I wasn't
using.
I was like, well, this is worth20 bucks, I'm not using it and
(32:06):
I sold it for 20 bucks and thenI would use that money towards
paying off my debts.
So it was very much the DaveRamsey my hair was on fire
mentality, but but yeah, it was.
Uh, it was a great learningexperience.
I was basically in the libraryall the time reading books on
(32:27):
finance and um, and yeah, nowhere I am, like 10, 12 years
later, still nerding out aboutfinances.
But that's just how I roll.
I'm not going to apologize forbeing in love with finances and
stuff.
(32:51):
Okay, so Charles actually addedanother couple other comments.
So he says the buyer's remorsethree day yeah, so that's the
whole cool down period for somepeople.
I guess they don't really dothat anymore.
But and then it's like he saysalso good if you're at a, if
(33:11):
you're there at a base, or atbase, see who's getting ready to
ship overseas.
They can't take their vehiclewith them.
You can normally get it at asteep discount, yes, that's.
Another great element is carbuying.
Whenever you're, you know, oneof those mistakes that a lot of
(33:32):
young people make is they buythat 20% Dodge Charger that has
a lot of miles on.
It't been very well maintained,yeah.
So that's usually the kind ofcar that they end up with.
The smart, the smart persongoes out and looks at the lemon
lot or wherever, like you know,a friend of a friend, kind of
(33:53):
thing.
Like, oh yeah, I heard thatyou're trying to get rid of your
cars.
Well, that's, that's, that's,it's a great idea.
You can, you can I mean yardsales.
For days Now you got to becareful, hoarding and just
accumulating extra stuff thatyou don't need.
That's, that's going to do moreharm than good, probably.
(34:16):
And then, when it comes time toPCS, you're going to have to
get rid of a lot of that stuffanyway.
So just be careful when itcomes to accumulating things
like that.
But yeah, you can get a reallygood deal on not just cars, but,
like you know, sometimes peoplebuy things without realizing
they're going overseas Like atrampoline or something, I don't
(34:39):
know, just anything, and youmight be surprised.
Yeah, you can make a deal forsome of these things.
But yeah, thank you, charlesfor jumping in again, appreciate
the interjections and advice.
So, yeah, I mean we got a lotof great.
(35:00):
And this is the thing that Italk about with even people in
NBR is that, you know, a lot ofpeople really downplay their
financial skill set.
I guess, if you want to call itthat, I think people have this
weird chip on their shoulderabout finances and how they're
(35:22):
like oh, I'm horrible withfinances, and you know it's
almost like this thing whereit's like you know, some people
think they're not good at mathand you know it's almost like
this thing where it's like youknow, some people think they're
not good at math and you know,in some cases they might be, but
it's also like a programmingthing where they've, you know,
they've basically built up thisidea in their head that they're
not good with X, y, z, and sothen they're not.
(35:44):
And I think that a lot ofpeople have that trouble with
money is they just think I'm notgood with money.
It's like a script that isrunning through their heads and
when they're not good with money, when something happens that
validates them and they're likeoh yeah, I told you I wasn't
(36:07):
good with money, but when theyare good with money, they don't
get any credit or no oneacknowledges that.
So, yeah, I just wanted toacknowledge that I think more
people are better with moneythan they realize, or at least
they're not as inept as theymight think.
They are as well.
I think most people aresomewhere in the middle.
(36:29):
Honestly, that's just myobservations.
I think people, yeah, theytreat finances with a 10-foot
pole.
They're like I don't want todeal with it, like put their
fingers in their ears, justeverything that they can think
of, to not think about money.
But I mean, it's just like anylife skill.
(36:51):
You're going to have to justlearn how to deal with it.
You know, I mean I wasfinancially illiterate.
I became literate.
It was a skill, it was a musclethat I had to learn to pump up
to whatever you know, and Ithink that that's where I would
(37:12):
sell everyone.
Just like you can get healthyphysically, you guys can get
healthy financially and I think,giving yourself some grace and
(37:37):
not being so hard on yourselffor your financial decisions,
because I mean, let's be real,like financial mistakes can
linger for a long time, and Imean maybe I'm projecting here,
but I still have financialregrets from decades ago, things
that I'm like why did I buythat?
I didn't need that?
(37:57):
And then it usually ends upbeing like a domino effect of
like, because I bought this onething, it messed up this thing,
my, my checking account did thisweird thing, and now I'm like
overdraft or whatever this youknow, um, that's, that's a
common human oversight thing.
(38:18):
That's not anything to reallyget get in your head about.
But yeah, I do.
I do feel like people arereally hard on themselves for
their finances and, um, I justtrying to get people to change
that, that dialogue in theirhead.
(38:39):
Yeah, charles jumps in and saysit's all about discipline.
Yeah, cause I mean having, youknow, even just having lots of
money, it doesn't mean thatyou're good with money, so you
could be.
You know, scrooge McDuck haveall this money Sorry, I've been
watching cartoons lately, butyeah, so I mean you know, having
(39:02):
all that money doesn't make himhappy necessarily, and I think
that's where we as humans alsoneed to find out that sweet spot
.
You know it's all aboutdiscipline too.
You know, like sometimes, yeah,you, you can't afford to buy a
new drone or a new 3d printer.
I'm just talking about what'sin my head.
(39:24):
But yeah, very well, easilycould probably afford those
things, but do I really needthem?
And you know, that's where thediscipline comes into play.
Is that like, yes, somewheredown the road I might end up
buying some of those types ofthings, but for now I'm going to
show discipline and just notnot buy it it's going to be.
(39:48):
Um, and I've been on both sidesof that coin.
I've been on the impulsiveshopper side and I've been on
the walking out of the storeempty handed, discipline type,
where I'm like you know what, Idon't need this and I'm not
going to spend the money.
Uh, doesn't always work thatway, way, but, like I said, I'm
(40:09):
human.
I've been on both sides of thatcoin.
I've been a consumer, I've beena saver, been a spender, and I
think that's one of those like.
Your finances is also like aspectrum where you might be a
spender in one period of yourlife and then, as you get older,
(40:29):
you turn into a saver, or viceversa.
I've seen it.
I've seen it the reverse ofthat, where somebody was a saver
their whole life and then theyget into this whole thing of
like, all right, I'm yellow nowand I'm gonna, I'm gonna spend
all my money.
I've been guilty of that too,and some in some part, um, I'm
going to spend all my money.
(40:51):
I've been guilty of that too insome part.
But yeah, charles actually hasgot some really good stuff today
, well, always.
But it's no fun becoming aslave to payments.
You want the nice thing or thatnice thing it's a lot less
stressful.
If you save up and buy it, thenyou finance everything.
Yes absolutely being slave tothe payments.
I find that a lot of people arestruggling with that lately of
(41:14):
financing everything becauseit's so easy.
And then you know like the Afirm stuff you know for payments
, for easy payments, that wholething.
You know like they're getting alot of people with that,
especially younger generation.
So be careful with those easypayment plan things because
(41:34):
those add up really quickly.
But yes, it's no fun to becominga slave to payments.
And then there's also a weirdthing of like when you save up
and buy for something and payfor it in cash.
There's something reallysatisfying about that.
Honestly, it's almost like agoal unlocked where you're just
(41:55):
like, oh yeah, I had patienceand discipline and I saved up
for that thing and then I'mgonna buy it.
So you get the satisfaction ofbuying it, you get the
satisfaction of buying it, youget the satisfaction of delayed
gratification and you know youget to basically have a little
mini Christmas right there.
It's a win-win-win foreverybody.
(42:18):
But yeah, thank you, Charles,for all your insights.
We're just going to have tohave you on the show man and
just talk Because, mean you're,you're fundraising for, uh, for
us.
So obviously you have some goodfinancial um, foundations that
we could probably talk about.
So, if you're interested, wedefinitely want to have have you
(42:40):
on the show at some point.
Because the other thing that Iwas thinking about too and this
is reminding me is that all ofus veterans, while we might not
think of ourselves as financialexperts, we've all been through
(43:01):
a lot of financial stuff, youknow.
I mean just going through basictraining, going through tech
schools and then getting to yourbase and then learning about
all these different allowancesthat you're supposed to get.
So, yeah, I mean, we've allbeen through it.
(43:25):
I feel like have a differentperspective on money, and maybe
even you know they could, they,they can handle it more or
better than than others, I don'tknow, but then again, we're all
humans.
I've seen veterans that arereally good with their money and
then veterans who are not sogood with their money, and then
(43:46):
most everyone is kind ofsomewhere in the middle.
Veterans who are not so goodwith their money, and then most
everyone is kind of somewhere inthe middle.
Um, but yeah, so what I was,what I was getting at was in
this I'm trying to instill inthis like almost like um,
financial avengers where, likeall these people are strong in
something, in saving, investing,investing, whatever but they
(44:11):
don't brag about it, they don'ttalk about it.
So they're secretly.
They're like the secretmillionaire next door.
You've got people like that.
You've got like the E5 in youroffice that is sitting on half a
million dollars.
You don't know that, butthey're like a secret day trader
(44:32):
or something like that.
Those are the type of peoplethat I want you to find, pick
their brains and just learn from, because they're they're
already doing advanced what mostpeople are doing.
And the other surprising thingthat people might not realize is
(44:53):
that those people want to helpother people with their finances
.
They're just usually kind ofquiet or shy about it.
You know, it's almost like thewhole don't look at me thing,
like, oh, you know, it's almostlike the whole don't look at me
thing, like, oh, you know who amI.
But you know like I've seenpeople who are active duty, who
(45:13):
are on the verge or basicallyalready millionaires and and you
would never guess it.
So yeah, we got some morecomments from Charles.
He says I don't know why, butfor some reason I seem to learn
more from my failures with myfinances and other things in my
life than I do with my successes.
(45:33):
That's actually that hitspretty pretty close to home too,
charles.
So, yeah, you know that's acommon argument that most
failures in life, or mostlessons learned, are through
failures, and you usually end uplearning the better lessons
(46:02):
through actually failing.
And I think that's where, evenwhen I was giving my financial
advice to a 19-year-old, it wasfalling on deaf ears and I.
It was falling on deaf ears andI knew it was falling on deaf
ears, um, but I still had to sayit, you know, because I wish at
19 that I had somebody to kindof stop me from doing some of
(46:23):
the things that I was probablygoing to do anyways.
But, like you said, some thingsare best learned the hard way
and, honestly, some of my evenmy best financial failures were
just horrible mistakes that Imade and I had to pay for them.
But I'm also a big proponent ofyou don't have to reinvent the
(46:45):
wheel.
So if somebody has already beendown this very bumpy road, I
personally don't necessarilywant to go down that same road
Like, okay, give me some lessons, give me some better shoes or
something.
I don't want to have to sufferthe same exact way you did.
(47:06):
So if I'm learning this newthing, I'm going to take the
advice of somebody who's beendown that path and you know can
can save me some considerabletime and energy and effort.
But yeah, I don't know, there'ssomething there, something
about the failures and just the.
(47:28):
The data seems to show that itsticks more whenever you're,
whenever you're failing, likeit's almost like you level up,
each failure turns into a newskill that you unlocked.
But, um, but yeah, that's agreat, uh, great point, charles.
I mean honestly, uh, I thinkthat's pretty common and I would
(47:49):
say pretty.
I mean, I resonate with it forsure.
Um, all of my best financialmistakes have been some of my
best lessons, and that's usuallywhen I'm um, like when I'm
counseling someone, like I haveto be, I have to basically be
(48:13):
careful, because I'm like Ican't really criticize this
person for what they're doing orwhat they've done, because I
literally have done the samething to.
You know, I have to give myselfsome a break and realize, okay,
I was once 19, I made some poordecisions financially and you
(48:34):
know that's part of life.
No, into the weeds.
So we got amber and Charlesdoing double duty on my show.
So I appreciate you guys.
I think, amber, you've beenunder weather so I hope you get
to feeling better.
Uh, it's been going around, but, um, yeah, we're me and Charles
(48:55):
.
We're just kind of talking,talking finances, um, but yeah,
it's been, uh, it's been a greatlittle, uh mini adventure we
got, um, hopefully we'll haveCharles on the show soon so we
can talk some.
You know, maybe we can eventalk about some of the
fundraising things that he'sbeen able to implement, and then
(49:19):
we can just talk about some ofour future endeavors regarding
MBR.
But, yeah, charles has beenkeeping me company, and now
Amber, so I appreciate you guys,and we also have Rocket in the
background, who is alwayskeeping me company as well.
Alright, so I mean, at thispoint, we got about five or six
(49:45):
minutes before I have to wrap upeverything, but just everyone,
thank you for joining in, thankyou for Charles and Amber for
interjecting.
And, yeah, I mean, at thispoint I guess we can talk about
some.
I guess some just random topicsthat are trending right now.
(50:07):
I know that I do want to do aseries on the thrift savings
plan.
I'm probably going to do awhole video series on that at
some point.
Um, I'm not, probably not goingto touch real estate investing,
because that's you know,there's all kinds of guys that
are already doing that.
Veterans and entrepreneurship Idefinitely have covered that,
(50:30):
um, but I'm also always down tolearn, and so if you're a
successful entrepreneur, veteran, um, I'm definitely willing to
have you on the show and tellyour story and learn, because I
learned something from every oneof my guests, no matter what,
and I love that, um, yeah.
So then we also have militaryskills for side hustles, so you
(50:52):
can do freelancing, consulting,digital opportunities.
I've even seen some militarymembers being a social media
stars.
Essentially, I don't know howthat works with their command,
but, um, yeah, I think they're,they're allowed to do that up to
a certain point.
All right.
So other quick things that wecould talk about so, yeah, we're
(51:16):
gonna do a thrift savings plandeep dive VA loans and we can
talk a little bit about just theVA loans in general, like yeah
just the do's and don'ts, thingslike that, how to leverage
those loans effectively, becauseI mean the, the va loans or the
gi bill loan or that sorry, theva loans can be really, really
(51:40):
helpful for anybody, you know,trying to buy a house.
House, because you don't haveto worry about paying PMI, which
is private mortgage insurance,I think.
So you, basically you don'thave to pay that, which can be
hundreds of dollars a month.
You don't have to put moneydown necessarily, so that saves
(52:01):
you money in the long run, andgenerally the rates are lower or
at least competitive.
And generally the rates arelower or at least competitive.
So if you can get a VA loan,you're going to do okay, it's
not the end.
All everything is not like okay, well, if you don't get a VA
loan, then you're screwed.
(52:22):
No, I think it's just a tool,just like the GI Bill, vr&e and
all these different programs.
They're there for you, theywork for some people and they
don't work for others.
But you want to do your duediligence and be informed, and
(52:44):
the VA loan is just another oneof those things.
You have to be informed aboutyour benefits, take use of it
and be smart about it, becausethat has a lot of implications.
As far as the loan implications, obviously this is a 15-year
(53:08):
commitment or a 30-yearcommitment, depending on which
direction you go, but if youcompare a regular traditional
loan versus the VA loan, then,if I remember correctly, you're
going to be saving you hundredsof dollars in the same house.
So definitely use your VA loans.
(53:30):
All right, yeah, so we got.
Man Charles is on fire today.
Always make sure when you buy ahome with the VA loan or any
other loan, not to buy the mostexpensive one you can afford,
because everyone falls on hardtimes eventually and cannot be
said True words cannot be said.
(53:51):
Any homeowner who has had homefor more than a couple of years,
or even just right at the gate.
I've heard of homeowners signin the dotted line and then the
roof caves in the next day.
So all that to say is that,yeah, your point is very well
taken, because whether it's a VAloan or not, you don't want to
(54:14):
buy, you don't want to be housepoor, you want to live in a
modest house that you can affordand you also want to have money
aside for emergencies, forhouse emergencies.
So that's all another.
We can probably do a wholeanother series, yeah, on just
home loaner, home ownership andall that other stuff.
But yeah, great, greatperspectives on on the ve loans
(54:38):
and or just in general homeownership.
Don't buy at the high end, justlike being carport.
You know, like if you go into adealership you say, oh, I want
to spend 600, they're going toget you in a 600 car, but you
don't, you don't necessarilyneed that maybe.
So that's where you gotta bestrong.
(55:01):
As I go into the dealership thecolor dealership, like you want
to go in with a good wingman,um, um, stay firm.
But you know you gotta.
This is a major purchase.
You can't just rush into it,you know, which is probably a
good thing they don't.
But, um, but yeah, once again,charles, dropping those
(55:21):
knowledge, wisdom, uh, knowledgenuggets on us, nuggets on us,
but I think that's that's gonnabe cutting it.
Cut the close for our time,kind of a chill session.
So I appreciate you guys.
You know, like we're supposedto have Michael Wells, attorney
at law for MBR, but just didn'twork out this time.
(55:43):
Not the first time, won't bethe last, but he's just excited
To talk money and Charlesstepped up In full Regalia of
Work there.
So I appreciate it, charles.
(56:04):
But, yeah, that's pretty muchgoing to be the show Tune in
next week.
We got Rob and Becky Salazar.
We're going to be going throughtheir finances together.
You know, make it a spousedating thing, like, take your
spouse, watch it on TV becauseit's on Roku and on Amazon
(56:27):
Firestick or YouTube.
So, yeah, watch us as a coupleand, you know, maybe it could be
a good way to have a discussionabout your finances together.
So, yeah, that's my pitch nextThursday at 7 Eastern.
So, all right, at 7 Eastern,alright, well, yeah, charles,
(56:54):
man, throwing in, you make mefeel, you make me all fluttery
inside.
We appreciate you too, joey.
You're doing a great job andhave a lot of wisdom.
You're making me blush, butthank you Charles, thank you
Amber, I appreciate you guys.
You guys have been amazingthroughout this whole journey.
So, uh, so, thank you.
Um, that's pretty much going tobe the show for the day.
(57:17):
Thank you guys.
I appreciate it.
Um, thank you for tuning in toMBR.
Please share and like andsubscribe and all that good
stuff.
But, uh, yeah, you're, you're,uh, you're helping a veteran.
This is part of my therapy,just so you know that my weekly
therapy is doing this with youguys.
So, so, thank you for being apart of my, my therapeutic
(57:39):
journey on this uh, crazy blueball colder.
But yes, thank you so much andthat's going to be it for this
episode.
Thank you again, again, and wewill catch you guys on the next
stream ladies and gentlemen,thank you for tuning in to
military broadcast radio.
Speaker 3 (58:00):
As we wrap up today's show, we want to remind you
that the podcast of today'sepisode will be available right
after we go off the air, so ifyou missed any part of the show
or want to listen again, be sureto check it out.
And remember we're here tosupport and honor our veterans.
(58:22):
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
catch the podcast and stayconnected with us Giving our
veterans a voice.
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