February 11, 2025 • 35 mins
What if the financial world wasn't stacked against women?
Financial literacy and savings are a big deal, especially for women. Frankly, the deck is often stacked against us. We're talking about how societal stuff, economic realities, and even our own choices can make it harder for women to save for the future. On this week's podcast, we're diving headfirst into this mess, figuring out why it's so tough for women to save and what we can actually do about it.
—
Who Should Listen
Millennial moms, working women, and anyone who's ever felt the sting of the gender pay gap—this episode is for you. We're tackling the financial challenges women face head-on.
—
What You Get In This Episode
This week, we're diving into the financial challenges women face and offering practical strategies to overcome them, including:
- The cold, hard truth about women's savings: We're talking stats, the gender pay gap (ugh), how education (and student loans, double ugh), and the lack of paid parental leave all play a role.
- Why community matters: We'll discuss the power of talking about money with other women (no judgment here!).
- Real solutions to help women build financial security like how to get paid what you deserve and how to make your money work for you: Quick tips on negotiating salary and benefits and high-yield savings accounts and other smart money moves (because you're worth it!).
—
Bios
CK and GK, hosts of "How to Be a Grownup," are tackling the financial challenges women face and offering practical advice you can actually use.
—
Sources
- 26% of working women are leaving free money on the table that could set back their retirement by Alex Gailey
- What holds women back from saving — and what they can do about it by Jasmin Suknanan
- Why Don’t Women Save As Much as Men by Liliana Hall
The best support is a rating and a share.
Love,
CK & GK
View our website at ckandgkpodcast.com. Find us on social media @ckandgkpodcast on
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- Facebook
- TikTok
Thanks, y'all!
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Jenny (00:01):
Cha-ching, it's Tuesday.
Yes, it is.
We are so glad you're here.
This is how to Be a Grown-Upthe show that teaches you things
grown-ups need to know.
And this week we're continuingwith Finance February, part two
of Finance February, and thisepisode is all about women and
savings, or women's lack ofsavings, right?
(00:24):
So Jenny is going to tell uswhy women don't save as much as
men and what we can do to fixthat.
Caitlin (00:30):
But first, but first I will introduce Caitlin.
We could call her change for adollar, because it just makes
sense.
Jenny (00:39):
Oh, I was like wait, only a dollar Girl.
These nails cost way more than$1.
Can you just up the price alittle bit?
And that's yeah.
That's Jenny, my fierce,protective mother bear.
Oh goodness, okay, let's get toit.
Caitlin (01:01):
So we are talking about why women don't save as much as
men, and I read three differentarticles to help put this
together.
One is called 26% of workingwomen are leaving free money on
the table that could set backtheir retirement, by Alex Gailey
oh my gosh.
Another one is what holds womenback from saving and what they
can do about it, by JasmineSukunon, and why women don't
(01:26):
save as much as men, by LilianaHall.
Okay so, this was reallyinteresting to me.
Okay, so according to Bankrate,they did a survey and saw that
26% more than a fourth ofworking women did not contribute
into their retirement savingslast calendar year.
(01:47):
Wow, that's a lot.
Now, that's a lot.
It's a huge amount when youcompare it to men.
Only 16% didn't contribute.
Wow, it's almost half, again asmore.
Jenny (02:01):
Yeah, it's insane Okay.
Caitlin (02:03):
Okay.
So Emily Green, who is the headof private wealth management at
Ellevest, reported that theaverage woman keeps 70 cents of
every dollar in cash rather thansaving it.
Whoa?
So for every dollar that a manwould invest, a woman is keeping
(02:26):
70% of that as cash rather than.
Jenny (02:29):
Just like in her savings account, right Wow.
Caitlin (02:32):
Normal savings or checking even worse.
Jenny (02:35):
Okay, I might be guilty of this.
Caitlin (02:39):
Okay.
Wealth Watch survey from NewYork Life found that in 2022,
women saved just an average of$3,100.
Whereas men saved an average of$7,000.
Oh ew, Retiring women,according to Vanguard, have 44%
(03:06):
less saved than retiring men.
Jenny (03:10):
Okay, there's got to be something behind this.
Caitlin (03:12):
Like what's the reasoning for this?
Why is this happening?
Right, yeah, okay, so I'm goingto talk about different reasons
that this exists, and thenwe're going to try and
brainstorm some ways to fixthose things.
And then we're going to try andbrainstorm some ways to fix
those things.
So the first one is the genderpay gap, and so I am going to
need you to fix that.
What are your ideas.
Jenny (03:33):
Burn it all down Like burn down the patriarchy.
Caitlin (03:36):
So there's not a whole lot that we can do about this
across the country on our own,but we can continue to look for
legislation and argue for morepay, negotiate, negotiate,
negotiate, negotiate when you'resigning a contract.
But right now, white women earn82 cents on a man's dollar.
Okay, women of color earnsomewhere between 65 and 70
(03:59):
cents.
Jenny (04:01):
This is why this is why it's so important to advocate
for policies that aretransparent about salaries too
right because you and I haveboth worked in places where you
were not supposed to talk aboutyour contract and how much it
was worth and what benefits yougot and like.
That's not okay.
You should be able to sharethat information, right, and
that's, that's a law.
(04:23):
It's required now, um, at leastin most states.
I know california led thecharge on that's.
That's a law, it's required now, at least in most states.
I know California led thecharge on that, but that's,
that's a big deal.
This is why transparency helpseveryone, especially women of
color, who are not making nearlyenough money Right For the work
that they're doing.
Oh my gosh.
Caitlin (04:41):
OK, about two thirds of the pay.
Jenny (04:44):
That's insane.
Also, um, I'm going to likejust throw in there too, 82
cents on the dollar for whitewomen.
But also the.
The products that women buy aremore expensive because you pay
more for that pink razor thanyou do for a men's blue razor or
whatever it's.
Caitlin (05:02):
pink tax is real, so and that is one of the things in
here that I read in thesearticles is also it does cost
more to be a woman.
Yes, women's self-care products, like shampoo, razors, all of
those things and I'm not talkingabout feminine products, I'm
talking about, like, just actualhygiene body wash yes, whatever
(05:24):
, just body washes yeah 45% moreexpensive than men's on the
average.
Jenny (05:29):
Insane, absolutely insane .
Like not okay, and then you addin the cost of feminine hygiene
products.
Caitlin (05:36):
And, of course, it's more expensive to be a woman.
Yeah For sure.
I put on a moisturizer everynight.
Jenny (05:46):
John didn't do that.
Right like right anywaypatriarchy.
Caitlin (05:48):
Burn it all down.
That's how we fix this, okay.
So another part of this pay gapis it is now reflected in your
social security earnings,because the way that your social
security payments arecalculated is based on your 35
highest earning years, so likewhen I started making money at
(06:11):
25 years old.
Jenny (06:11):
that counts Right Ugh.
Caitlin (06:14):
But women who collect Social Security on average
collect only 80% of what men aregetting because of the pay gap,
right, so ridiculous.
One leads to the other, right,okay?
So another thing that Iuncovered that I thought was
really interesting and we have asolution for is this lack of
(06:39):
generational practice.
Oh, okay, so it was reallyinteresting to me.
The Equal Credit OpportunityAct in 1974, 1974.
Thanks RBG Said that women canown a credit card in their own
name.
Jenny (06:56):
Yep 1974.
Thanks, RBG, Got you girl Okay.
Caitlin (07:01):
So what that reflects, as is gen x, is really the first
generation of women that had tomanage debt in their own name
oh, I see what you're going.
Okay, I gotcha so we can expectthat two or three generations of
(07:23):
women from now they will havehad enough practice in their
family, enough culture of debtmanagement, assuming that they
had savvy female role modelsthat saving and not overspending
are actually a practice in yourfamily.
That makes a lot of sense, Okay.
(07:46):
But if you were born before,let's say, the 1950s, you didn't
ever have debt in your own name, or at least not credit card
debt.
Jenny (07:58):
Well, and even like people, our like.
My mom was in her teens in 1974, so it was new to her too, so I
would be the first or thesecond generation to be able to.
Caitlin (08:12):
Okay, right, all right, I see, okay one of the things
that we can do to fix this,besides just wait for time and
yeah, I mean yes I am reallyinterested in following this
story and seeing if what ispredicted is true that as you
see more of women in your familybeing financially sturdy, you
(08:36):
will also start to grow that way.
Agree, another way that we canstart working on this right now
is to talk to women in yourcommunity about finances.
This does not have to be taboo.
If you're not interested insharing what you make or what
your benefits package is, youcan still have very interesting
(08:56):
and important conversations withother women in your community
about how to take care of theirfinancial future.
Jenny (09:03):
There are some really interesting podcasts about women
and financial health too, where, if you don't have people in
your circle who can support youwith that, you can go listen to
other people who know whatthey're talking about more than
us.
Caitlin (09:18):
One I'm thinking of is the Suzy Orman.
Jenny (09:20):
Women in Money.
Caitlin (09:24):
There are lots of other ones too, yeah.
So another reason that womenare saving less money than men
is women are more likely tograduate from college, which
means women are more likely totake on student loans.
Jenny (09:38):
I was going to say this is supposed to be a good thing,
right, and now?
Caitlin (09:43):
women are more likely to graduate from a four year
university and more likely to goon to graduate school.
Jenny (09:49):
And then you end up with student loan debt, you go into a
position that pays you lessmoney than a man and you just
can't.
You can't win Right Like wow,Okay.
Caitlin (10:05):
So more student debt means less money to save.
Jenny (10:08):
Yeah absolutely, and you're getting to the saving
place later in life, which meansyou get less in Social Security
too, because for your last 35years of earning you may not
even.
Oh my gosh, yeah, burn it alldown.
Caitlin (10:25):
Okay.
Another reason is that womenare more likely to be caregivers
.
Another reason is that womenare more likely to be caregivers
.
So if you're not earning anincome, it's kind of hard to
save a portion of your income.
Yeah, yeah, that makes sense.
Any percentage of zero is stillzero.
Jenny (10:43):
Right.
Caitlin (10:44):
Right, Mm.
Hmm, 23% of working women onlywork part-time, so they might
not have company benefitsregarding retirement, but they
also are earning less money.
Earning less money, yeah, sothey have less to save.
But the killer one that we canadd to the list of patriarchal
(11:04):
problems only 35% a thirdroughly of United States
employers offer paid parentalleave.
Jenny (11:16):
And to be clear, that paid parental leave is probably
for about six to eight weeksRight, which is if you've ever
had a child and you have to goback to work after six to eight
weeks.
Caitlin (11:28):
They're not weaned in eight weeks and ready to leave
their mother.
Jenny (11:32):
It's excruciating.
It's literally physicallypainful for both baby and mom.
It's very awful.
And the reason that women aremore likely to be caregivers is
because we make less money, soit just makes more sense for the
woman to stay home and let theman earn the money.
I mean, when I first startedteaching here in Texas, you know
(11:53):
I took a very large pay cutmoving from Colorado to Texas,
especially teaching in a privateschool, and I was paying to
work because daycare was soexpensive.
Even with the discount that Igot, I was paying to work.
Yep, I did it because workingwas better for my mental health,
but I was paying to work.
Caitlin (12:16):
Yeah, jeez.
Jenny (12:19):
Mm-hmm Okay.
Caitlin (12:21):
Okay, what else Are?
Jenny (12:22):
there more awful things.
Caitlin (12:24):
I said earlier that women are more likely to keep
cash.
Like 70 cents on a man'sinvested dollars a woman is
keeping in cash.
Yeah, okay, so here's how wefix that.
Okay, like you said, listen topodcasts where the people are
experts.
Find a financial advisor online.
(12:45):
Read a financial newsletter.
Read a a couple books.
Go to your bank and ask whatfree financial services they
offer.
Ooh, that's a good idea, youdon't necessarily have to pay
someone to help you plan, but ifthat's a luxury that you can
afford, they can help youmaximize what you save.
Jenny (13:07):
Smart.
Sometimes it just takes aslittle as going okay, I have, I
happen to have five grand inthis savings account.
Can we take that five grand andmove it into like a CD or
something like something thatwill give you some higher rate
of?
Caitlin (13:22):
return.
Well, that is another one.
Right now, pause the episodeand go open a high yield savings
account.
Yeah, compound interest.
Nothing beats it.
Is your friend?
This is I need to do thatEarning interest on interest.
So you might remember fromseventh grade algebra, I equals
(13:45):
PRT.
The interest is the principaltimes, the rate times, the time.
That is simple interest.
Yep, okay, but compoundinterest means every time it's
compounded, you earn interest onthe interest in your bank
account.
Yeah, it's great, it's a reallycool thing.
(14:08):
So you're making money onmaking money.
A lot of high yield savingsaccounts have a minimum balance
requirement, so if you have thecash available, you'll have to
remember that that has to stayin the account in order for you
not to be charged a fee, exactly.
And then the last thing, like Isaid, like always, be
(14:31):
negotiating.
Okay, be very discerning aboutyour entire compensation package
before you start a new job.
The salary number is great, andthat's what we talk about, but
sometimes there might be morefinancial benefits available to
you than what they initiallyoffered.
So don't accept the first one.
(14:52):
Ask what else they can do,because it might be that they
can offer you another packagethat you didn't even know about,
because they were savvy andoffered you the salary that you
wanted.
Jenny (15:05):
Right, and there are, especially for people who are
non-confrontational, like myself, where I only confront people
in the shower.
When I'm talking out loud, weall know what I'm talking about,
right, the best arguments.
I win every argument in theshower, just saying you can seek
out sentence frames that willtell you exactly how to
(15:28):
negotiate for what you want.
You don't have to go into thisstammering the way that I often
do on this podcast.
You can have lines prepared forhow you're going to ask for the
things that you want for yourjob and we've talked about this
before but Teal, that Teal HQ,that extension that I told
(15:48):
people to add onto Chrome, ifthey're looking for jobs any of
that they do have.
Caitlin (15:59):
Talking about salaries, on there, so it is worth
reading up, if that's asituation that you're in.
Yeah, I love that, and more andmore negotiation is happening
via email these days, so you canreally plan out what you're
going to say Be your internettough guy.
You can really plan out whatyou're going to say Be your
internet tough guy, right, bethat person, yeah.
(16:22):
And so if you have a retirementplan as part of your package
and you can max it out For sureWhatever they will match.
You put that amount in YepAbsolutely Because again amount
in Yep?
Jenny (16:33):
Absolutely, because, again, you can't beat compound
interest.
No, you can't, and it's freemoney.
It's free If they're matchingit, that's you're not paying for
that, that's them doing thatfor you.
Like it's free money, you needto take it.
You need to take it.
The other thing I've often seenis sometimes if you are offered
benefits through your work butyou're already covered, or maybe
your partner has a betterpackage or however that works
(16:55):
you can talk to them about whatit means to waive those benefits
and see if they'll compensateyou for that.
That doesn't always happen.
It's not often something thathappens, but you can ask that
question and say, since I'msaving you money on paying me
benefits, could you bump this upan extra $500 a month or
whatever it is that it would?
You know there are ways to talkabout that too.
(17:17):
Again, I haven't seen thatoften recently, but I know it
does exist for some employers.
So it's something to thinkabout there too.
And what's the worst thing?
That?
Caitlin (17:26):
could happen.
They just say no, right, youdidn't have it when you started.
Jenny (17:30):
Right, that's.
The other thing, too, is like Ithink for women it's so hard to
hear no because we think itmeans no to every single thing
and we don't advocate forourselves as much as we should.
But if it's an added thing thatyou weren't expecting, if the
worst that happens is no, you'reno worse off than you were
before.
And companies expect tonegotiate.
It's not like they're going togo oh you negotiated, Well, you
(17:52):
don't get this job at all andgank the whole thing away from
you.
They're not going to do that toyou, so don't worry about that.
Caitlin (17:56):
If they've made an offer, it's because they want to
hire you.
Right, right, that's how thatworks.
Jenny (18:02):
Right.
You're allowed to advocate foryourself.
You know what your time isworth.
Make sure you push for that foryourself.
Caitlin (18:09):
So let's talk about this.
A fourth of the women lastcalendar year did not put money
in their retirement savings.
A fourth of working women RightOkay.
In 2022, the average womansaved $3,100.
(18:30):
The average man saved $7,000.
The gender pay gap has women ofcolor making two-thirds of what
men make.
Jenny (18:40):
Now in 2025, or as recently as the past two to
three years not acceptable.
Caitlin (18:48):
Only 35% of US employers have paid parental
leave.
All of these things are hard.
These are truths that aredifficult to hear, but there are
some things that you can do toup your savings.
One is make sure that you'recontributing and maxing out your
(19:08):
match at whatever your joboffers.
Focus on paying off debt asquickly as you can and then
start contributing that sameamount towards retirement.
And don't settle.
Jenny (19:29):
Just ask.
Caitlin (19:30):
Maybe there's more.
Jenny (19:31):
You're worth a lot, lot.
You're allowed to ask for whatyou're worth.
Caitlin (19:35):
You are and you want them to compound it for real.
Let's take a break.
Jenny (19:42):
For links to resources mentioned in this episode.
Head on over tockandgkpodcastcom slash blog to
find everything you need, and besure to follow us on social
media.
Head over to your favoritesocial media network and find us
at CK and GK podcast.
And now back to the show.
Caitlin (20:03):
Okay, we're back, we are.
So I really couldn't think ofsomething that I was obsessed
with, but then I remembered okay, and it's something that I've
been obsessed with before, aboutthe same time last year, is it
snacks?
It is a snack.
It's those sumo oranges.
We're talking about savingmoney and I'm like, oh no, I
(20:26):
need these oranges that are adollar a pop right last year,
you guys, jenny, came to myhouse.
Jenny (20:31):
I was like in the shower or something in the afternoon I
was in my house, puts an orangein my husband's hand and leaves,
yes, and my husband hands methe orange and he was like this
is from jenny.
And I was like, oh my god, it'sone of those small oranges.
(20:52):
This is how much she loves me.
She gave me a dollar fiftyorange, oh my god, so so funny.
Okay, well, I've had their backin your life I've had to pace
myself um.
Caitlin (21:03):
I have had to hide them from abby, so that she's not
eating my oranges.
Jenny (21:09):
That's how I am with Honeycrisp apples.
I'm like, no, this is mom'sapple.
Remember we talked about this?
You can have a Fuji.
Here's your Granny Smith.
Caitlin (21:18):
Keep on rolling, yeah yeah, yeah, have a Caracara or a
Navel, but keep your hands offmy Sumos.
I buy you a whole box of cutiesbut keep your hands off my
sumos.
Jenny (21:28):
I buy you a whole box of cuties.
What are you doing?
Oh goodness.
Okay, well, I recently went toLondon for work.
Um, it was very fun.
It was very crazy, it was verybusy, I was very sweaty.
Let's just, it was a lot.
It was a lot of things.
But on my way home I wasupgraded, which is amazing, and
(21:55):
when you get upgraded you canlike lie down.
Caitlin (21:57):
Like.
Jenny (21:57):
Beyonce yeah.
Caitlin (22:00):
That's a deep cut.
Jenny (22:01):
Let me upgrade you.
So it was like a you just youknow you lie down in the chair
because the chair moves all theway down.
It's, it turns into a bed.
Yes, it's amazing.
Well, you also have a very wideselection of television and I
had been love it.
I am obsessed with this show.
It is so adorable and relatable.
(22:32):
If you've ever been an educator, this show will speak to your
heart.
If you've ever been an educatorin a public school too real it.
It's got like an office sort ofoffice parks, and right vibe,
but it's.
There's a lot, that's less.
You know.
Caitlin (22:49):
The office was made 20 years ago now, which is like
really hard for me to wrap myhead around as I was doing this
research.
Jenny (22:54):
It said something about the last 20 years and I
immediately thought about mychildhood and I was like no 2002
no yeah I was like oh, I had acredit card in 2002 I was
racking up crazy debt in 2002because I was in college and I
thought those glasses were cuteand so I bought them.
I bought myself a little treat400 kate spade sunglasses whoops
(23:20):
.
Anyway, it's very cute.
It's a lot less cringy thanthose shows because you know 20
years ago the cringe level.
Caitlin (23:28):
Well, and that was like part of the show right Was like
how far can we take it?
Scott's Tots.
Jenny (23:33):
Right, oh, I can't watch that episode.
No, I cannot.
Caitlin (23:37):
There are so many people who just write that off
Like I can't do it.
Jenny (23:41):
It's horrible, but this show is not like that, but it
still manages to be really funnyand heartwarming and I love it.
If you haven't watched, ifyou're not an educator, you'll
still think it's funny, likeit's a great show.
So if you haven't watched,quinta Brunson's A Genius she
named Abbott Elementary afterher favorite elementary school
(24:02):
teacher.
This is Abbott.
Oh my gosh, I love gosh, I lovethat.
So sweet.
Oh, she had my heart too whenshe went on to one of the late
night shows.
Might have been seth meyers,but she was talking about how
she got to be on sesame streetand she was like teaching a
class with cookie monster andlike all the friends, oh, love
(24:23):
it, love it, love it.
And she was like, yeah, youknow it was really fun, the
cookies a little much Like weget it, we get it, you love
cookies, okay, great.
No, you can't eat the scissors,like when the Muppets any
Muppet.
This is why I love the actualMuppets.
But when the Sesame StreetMuppets act like adults, right
(24:43):
there, but when the SesameStreet Muppets act like adults,
there's something so preciousabout it and I just love it and
the way she was talking to them.
It was so good.
So, anyway, I love QuintaBrunson.
I love Abbott Elementary.
If you haven't watched, it willmake your heart happy, so just
give it a shot.
Caitlin (24:58):
Well, I have a gem that comes from school.
Jenny (25:03):
So maybe they can write an episode, maybe she can.
Quinta, are you listening?
Yeah, oh, I just heard back.
Yep, she's here.
Caitlin (25:10):
Okay, great, okay.
So this week has been a weekand because of some standardized
testing, our lunch got pushedto later in the day so that our
recess time is up against ayounger grade's recess time, and
we always yield to the youngerchildren, so our sixth or eighth
(25:36):
graders did not get to haverecess.
Jenny (25:39):
That's rough.
Caitlin (25:40):
It is rough, okay, so, besides the fact that they're
not being able to get theirenergy out, they are now
contained in the box, that is,the cafeteria, for an extended
amount of time, because theyfinish their food in the same
amount of time, expecting tohave 20 minutes to play right
(26:01):
I'm picturing, like rememberthose models of like I like ions
and atoms like bouncing whenyou heat them up and they would
start to bounce all over the box.
Jenny (26:08):
That's really what I'm picturing in my head.
Oh, and that's how it is.
Oh, I know, I've been there,I've done it.
Caitlin (26:15):
So we have had to come up with some ways to do indoor
recess.
Trivia is a favorite, and soeach table gets to answer, just
like bar trivia, and we collectall the trivia for 13 year olds
yes.
Bar trivia for 13 year olds yes.
So anyway, we, we pick up thesheets and then the team that
has the most right answers getsa little prize.
(26:36):
Most of the time it's just adress down day or something,
something that costs $0.
Right.
Jenny (26:42):
Mm, hmm.
Caitlin (26:43):
So we did trivia, then we did riddles, but instead of
having them solve the riddles attheir tables, we had them solve
them by grade.
Oh, so the whole grade wouldget a prize.
Okay, I totally cheated andmade seventh grade win and
everyone's like uh, you pickedseventh grade.
(27:05):
I'm like, yep, yeah, I did,I'll pick eighth grade next time
seventh graders are the best.
Yeah, I think so anyway, whenwe got to friday, oh dear, I was
out of tricks.
Yeah, the room is vibrating andwe still have 15 more minutes
(27:28):
before we can release these kidsto their poor teachers, oh man.
So not only are they highenergy, we're borderline sending
them early, right, right.
So I start scrolling, end up ina reddit thread, describe a
movie badly and start readingthese descriptions to the kids.
(27:52):
So let's do a couple.
Okay, now I'm ready.
These are all disney movies.
Okay, um, I have built acharacter um for myself at
school.
That involves I'm obsessed withDisney.
Jenny (28:10):
Yeah, which, maybe I might be, I don't know.
Caitlin (28:12):
Okay, so the first one is this movie proves that cats
don't always land on their feet.
Jenny (28:19):
Well, I mean Aristocats is the one that first comes to
mind, but that may not be it.
It's the Lion King.
Stop that's bad.
It's the Lion King.
Stop that's bad.
That's a mean one.
Oh man, oh my gosh, that'sawful but hilarious, Right, Okay
(28:41):
.
Caitlin (28:42):
A woman takes a nap to avoid doing chores for men.
Jenny (28:48):
Snow White, snow White, that's that, the fact that she
just goes into a house and she's, like I know, all tidy.
I hate that, gosh.
The 50s were a different time.
Wait, is that even earlier?
Caitlin (29:05):
Yeah, sleeping.
Beauty was 59, so no, I thinkSnow White was 1939.
It lost the Oscar to Gone withthe Wind.
Jenny (29:15):
Oh, yes, okay, All right, okay Okay.
Caitlin (29:19):
The final one I'll give you.
Okay, a woman takes a nap and aman ruins it.
Jenny (29:26):
Oh, sleeping Beauty.
Yeah, have you seen her skin inthat?
She was so calm and rested?
Caitlin (29:35):
Yeah, because she was like 14 or 16.
She's 16.
Jenny (29:38):
Yeah, snow White is 14.
Okay, and Ariel is also 16.
Caitlin (29:44):
That's how we handled indoor recess.
Jenny (29:49):
I read it perfect.
I was waiting for you to belike.
I started reading from the aita.
That might be next week.
You know what you could or youcould buzzfeed, quiz them that
would be fun too there's somelike good geography ones.
You could do buzzfeed, quizthem and see what happens.
Caitlin (30:05):
That's amazing.
Jenny (30:06):
Okay, Mine is not nearly as cool as yours, but my son is
in basketball and sometimes Ihave my headphones in to make it
look like I'm listening tosomething.
But I'm really just listeningto the people around me and just
like kind of muffling the sounda little bit because it's a
little bit loud.
I love this about you.
It's a lot.
It's just too much noise for me.
Caitlin (30:28):
No, no, no the idea that I'm putting my headphones
in but I'm listening to people.
But I'm listening to people.
I am 100% eavesdropping on yourconversation right now, but you
don't know it, oh yeah.
Jenny (30:38):
Every time.
So there's a very gregariousperson who shows up at these
games and I'm assuming that thechild is on my son's team.
But I haven't matched the manto the child yet, right, but I
hear him and this is all I heardof the conversation at the
basketball game.
So I got in trouble with myson's crossing guard yesterday.
(31:00):
Normally it's just like hey,hey, cross here in the crosswalk
, but like, if you're actuallygetting in trouble with the
crossing guard, what did you do?
Caitlin (31:12):
Well, and also those crossing guards like they take
their job real seriously.
Jenny (31:17):
Well, that's like the voter registration.
Caitlin (31:19):
People Right?
Oh, it's like hey, I have beenwaiting 80 years for this gig,
Do not get in my way like, hey,I have been waiting 80 years for
this gig, do not get in my way.
Jenny (31:32):
So yeah, I don't know what he did that.
He got himself in trouble withthe crossing guard, but it made
me like I was again pretendingnot to listen, right, but I
cackled oh, this podcast is veryright, exactly so I.
So I had to like pretend youknow, so embarrassing and stupid
, but that's exactly what I did.
So there you go.
(31:53):
Okay, that was fun, thank you.
Thank you for the learningness.
Now I need to go do the thingswith my monies.
Caitlin (32:01):
I have some news.
So I'm going to take some timeoff from the show, but the show
is not going to take time offfrom you.
I am going to work on this kneeit's so bad ACL, mcl, both
(32:22):
meniscus and I am currently inprehab.
Hopefully I'll have surgeryvery soon and then I will be
working my way back to walking.
And just this morning I lookedat John and said am I ever going
to sit cross-legged again?
And he said yeah, you'll beable to.
You'll be able to.
I was like good, because that'smy favorite way to sit, and I
(32:42):
realized like crisscrossapplesauce on the floor yeah,
you do like sitting like that inchairs?
is that a sentence like what'syour favorite way to sit?
But yes, I have one?
Jenny (32:52):
yeah, yeah, you do like that, but um, so she's gonna
work on getting her knee back tothe normal bending bent,
whatever that is, and I willhave some guests and maybe a
solo episode or two.
I haven't figured out howthat's going to totally all come
(33:13):
together, because I'm onlyfunny with other people, so I
mean I crack myself up, but I'ma lot funnier when someone else
is around.
So I'll make it work, but she'sgoing gonna take some time and
she might be here when she feelsup to it, but in the meantime
we're all just gonna be sendingyou all the best while you try
and get your knee not blown up.
Caitlin (33:34):
What's the opposite.
My boss called it my hinge.
That's what it is.
Yeah, he's like how's yourhinge going?
It's bad.
And then he well, at leastyou'll hit your deductible this
year.
Jenny (33:45):
Hey, get it.
My gum stuff doesn't even countas part of my deductible, so
there you go Like.
I know.
Caitlin (34:01):
It's elective.
It's elective, sorry.
Jenny (34:04):
Wow, you guys are going to miss her, huh.
Oh, make good choices and finda high-yield savings account.
Bye Bye.
Cha-ching, it's Tuesday.
Yes, it is.
We are so glad you're here.
This is how to Be a Grown-Upthe show that teaches you things
grown-ups need to know.
And this week we're continuingwith Finance February, part two
of Finance February, and thisepisode is all about women and
savings, or women's lack ofsavings, right?
(00:24):
So Jenny is going to tell uswhy women don't save as much as
men and what we can do to fixthat.
Caitlin (00:30):
But first, but first I will introduce Caitlin.
We could call her change for adollar, because it just makes
sense.
Jenny (00:39):
Oh, I was like wait, only a dollar Girl.
These nails cost way more than$1.
Can you just up the price alittle bit?
And that's yeah.
That's Jenny, my fierce,protective mother bear.
Oh goodness, okay, let's get toit.
Caitlin (01:01):
So we are talking about why women don't save as much as
men, and I read three differentarticles to help put this
together.
One is called 26% of workingwomen are leaving free money on
the table that could set backtheir retirement, by Alex Gailey
oh my gosh.
Another one is what holds womenback from saving and what they
can do about it, by JasmineSukunon, and why women don't
(01:26):
save as much as men, by LilianaHall.
Okay so, this was reallyinteresting to me.
Okay, so according to Bankrate,they did a survey and saw that
26% more than a fourth ofworking women did not contribute
into their retirement savingslast calendar year.
(01:47):
Wow, that's a lot.
Now, that's a lot.
It's a huge amount when youcompare it to men.
Only 16% didn't contribute.
Wow, it's almost half, again asmore.
Jenny (02:01):
Yeah, it's insane Okay.
Caitlin (02:03):
Okay.
So Emily Green, who is the headof private wealth management at
Ellevest, reported that theaverage woman keeps 70 cents of
every dollar in cash rather thansaving it.
Whoa?
So for every dollar that a manwould invest, a woman is keeping
(02:26):
70% of that as cash rather than.
Jenny (02:29):
Just like in her savings account, right Wow.
Caitlin (02:32):
Normal savings or checking even worse.
Jenny (02:35):
Okay, I might be guilty of this.
Caitlin (02:39):
Okay.
Wealth Watch survey from NewYork Life found that in 2022,
women saved just an average of$3,100.
Whereas men saved an average of$7,000.
Oh ew, Retiring women,according to Vanguard, have 44%
(03:06):
less saved than retiring men.
Jenny (03:10):
Okay, there's got to be something behind this.
Caitlin (03:12):
Like what's the reasoning for this?
Why is this happening?
Right, yeah, okay, so I'm goingto talk about different reasons
that this exists, and thenwe're going to try and
brainstorm some ways to fixthose things.
And then we're going to try andbrainstorm some ways to fix
those things.
So the first one is the genderpay gap, and so I am going to
need you to fix that.
What are your ideas.
Jenny (03:33):
Burn it all down Like burn down the patriarchy.
Caitlin (03:36):
So there's not a whole lot that we can do about this
across the country on our own,but we can continue to look for
legislation and argue for morepay, negotiate, negotiate,
negotiate, negotiate when you'resigning a contract.
But right now, white women earn82 cents on a man's dollar.
Okay, women of color earnsomewhere between 65 and 70
(03:59):
cents.
Jenny (04:01):
This is why this is why it's so important to advocate
for policies that aretransparent about salaries too
right because you and I haveboth worked in places where you
were not supposed to talk aboutyour contract and how much it
was worth and what benefits yougot and like.
That's not okay.
You should be able to sharethat information, right, and
that's, that's a law.
(04:23):
It's required now, um, at leastin most states.
I know california led thecharge on that's.
That's a law, it's required now, at least in most states.
I know California led thecharge on that, but that's,
that's a big deal.
This is why transparency helpseveryone, especially women of
color, who are not making nearlyenough money Right For the work
that they're doing.
Oh my gosh.
Caitlin (04:41):
OK, about two thirds of the pay.
Jenny (04:44):
That's insane.
Also, um, I'm going to likejust throw in there too, 82
cents on the dollar for whitewomen.
But also the.
The products that women buy aremore expensive because you pay
more for that pink razor thanyou do for a men's blue razor or
whatever it's.
Caitlin (05:02):
pink tax is real, so and that is one of the things in
here that I read in thesearticles is also it does cost
more to be a woman.
Yes, women's self-care products, like shampoo, razors, all of
those things and I'm not talkingabout feminine products, I'm
talking about, like, just actualhygiene body wash yes, whatever
(05:24):
, just body washes yeah 45% moreexpensive than men's on the
average.
Jenny (05:29):
Insane, absolutely insane .
Like not okay, and then you addin the cost of feminine hygiene
products.
Caitlin (05:36):
And, of course, it's more expensive to be a woman.
Yeah For sure.
I put on a moisturizer everynight.
Jenny (05:46):
John didn't do that.
Right like right anywaypatriarchy.
Caitlin (05:48):
Burn it all down.
That's how we fix this, okay.
So another part of this pay gapis it is now reflected in your
social security earnings,because the way that your social
security payments arecalculated is based on your 35
highest earning years, so likewhen I started making money at
(06:11):
25 years old.
Jenny (06:11):
that counts Right Ugh.
Caitlin (06:14):
But women who collect Social Security on average
collect only 80% of what men aregetting because of the pay gap,
right, so ridiculous.
One leads to the other, right,okay?
So another thing that Iuncovered that I thought was
really interesting and we have asolution for is this lack of
(06:39):
generational practice.
Oh, okay, so it was reallyinteresting to me.
The Equal Credit OpportunityAct in 1974, 1974.
Thanks RBG Said that women canown a credit card in their own
name.
Jenny (06:56):
Yep 1974.
Thanks, RBG, Got you girl Okay.
Caitlin (07:01):
So what that reflects, as is gen x, is really the first
generation of women that had tomanage debt in their own name
oh, I see what you're going.
Okay, I gotcha so we can expectthat two or three generations of
(07:23):
women from now they will havehad enough practice in their
family, enough culture of debtmanagement, assuming that they
had savvy female role modelsthat saving and not overspending
are actually a practice in yourfamily.
That makes a lot of sense, Okay.
(07:46):
But if you were born before,let's say, the 1950s, you didn't
ever have debt in your own name, or at least not credit card
debt.
Jenny (07:58):
Well, and even like people, our like.
My mom was in her teens in 1974, so it was new to her too, so I
would be the first or thesecond generation to be able to.
Caitlin (08:12):
Okay, right, all right, I see, okay one of the things
that we can do to fix this,besides just wait for time and
yeah, I mean yes I am reallyinterested in following this
story and seeing if what ispredicted is true that as you
see more of women in your familybeing financially sturdy, you
(08:36):
will also start to grow that way.
Agree, another way that we canstart working on this right now
is to talk to women in yourcommunity about finances.
This does not have to be taboo.
If you're not interested insharing what you make or what
your benefits package is, youcan still have very interesting
(08:56):
and important conversations withother women in your community
about how to take care of theirfinancial future.
Jenny (09:03):
There are some really interesting podcasts about women
and financial health too, where, if you don't have people in
your circle who can support youwith that, you can go listen to
other people who know whatthey're talking about more than
us.
Caitlin (09:18):
One I'm thinking of is the Suzy Orman.
Jenny (09:20):
Women in Money.
Caitlin (09:24):
There are lots of other ones too, yeah.
So another reason that womenare saving less money than men
is women are more likely tograduate from college, which
means women are more likely totake on student loans.
Jenny (09:38):
I was going to say this is supposed to be a good thing,
right, and now?
Caitlin (09:43):
women are more likely to graduate from a four year
university and more likely to goon to graduate school.
Jenny (09:49):
And then you end up with student loan debt, you go into a
position that pays you lessmoney than a man and you just
can't.
You can't win Right Like wow,Okay.
Caitlin (10:05):
So more student debt means less money to save.
Jenny (10:08):
Yeah absolutely, and you're getting to the saving
place later in life, which meansyou get less in Social Security
too, because for your last 35years of earning you may not
even.
Oh my gosh, yeah, burn it alldown.
Caitlin (10:25):
Okay.
Another reason is that womenare more likely to be caregivers
.
Another reason is that womenare more likely to be caregivers
.
So if you're not earning anincome, it's kind of hard to
save a portion of your income.
Yeah, yeah, that makes sense.
Any percentage of zero is stillzero.
Jenny (10:43):
Right.
Caitlin (10:44):
Right, Mm.
Hmm, 23% of working women onlywork part-time, so they might
not have company benefitsregarding retirement, but they
also are earning less money.
Earning less money, yeah, sothey have less to save.
But the killer one that we canadd to the list of patriarchal
(11:04):
problems only 35% a thirdroughly of United States
employers offer paid parentalleave.
Jenny (11:16):
And to be clear, that paid parental leave is probably
for about six to eight weeksRight, which is if you've ever
had a child and you have to goback to work after six to eight
weeks.
Caitlin (11:28):
They're not weaned in eight weeks and ready to leave
their mother.
Jenny (11:32):
It's excruciating.
It's literally physicallypainful for both baby and mom.
It's very awful.
And the reason that women aremore likely to be caregivers is
because we make less money, soit just makes more sense for the
woman to stay home and let theman earn the money.
I mean, when I first startedteaching here in Texas, you know
(11:53):
I took a very large pay cutmoving from Colorado to Texas,
especially teaching in a privateschool, and I was paying to
work because daycare was soexpensive.
Even with the discount that Igot, I was paying to work.
Yep, I did it because workingwas better for my mental health,
but I was paying to work.
Caitlin (12:16):
Yeah, jeez.
Jenny (12:19):
Mm-hmm Okay.
Caitlin (12:21):
Okay, what else Are?
Jenny (12:22):
there more awful things.
Caitlin (12:24):
I said earlier that women are more likely to keep
cash.
Like 70 cents on a man'sinvested dollars a woman is
keeping in cash.
Yeah, okay, so here's how wefix that.
Okay, like you said, listen topodcasts where the people are
experts.
Find a financial advisor online.
(12:45):
Read a financial newsletter.
Read a a couple books.
Go to your bank and ask whatfree financial services they
offer.
Ooh, that's a good idea, youdon't necessarily have to pay
someone to help you plan, but ifthat's a luxury that you can
afford, they can help youmaximize what you save.
Jenny (13:07):
Smart.
Sometimes it just takes aslittle as going okay, I have, I
happen to have five grand inthis savings account.
Can we take that five grand andmove it into like a CD or
something like something thatwill give you some higher rate
of?
Caitlin (13:22):
return.
Well, that is another one.
Right now, pause the episodeand go open a high yield savings
account.
Yeah, compound interest.
Nothing beats it.
Is your friend?
This is I need to do thatEarning interest on interest.
So you might remember fromseventh grade algebra, I equals
(13:45):
PRT.
The interest is the principaltimes, the rate times, the time.
That is simple interest.
Yep, okay, but compoundinterest means every time it's
compounded, you earn interest onthe interest in your bank
account.
Yeah, it's great, it's a reallycool thing.
(14:08):
So you're making money onmaking money.
A lot of high yield savingsaccounts have a minimum balance
requirement, so if you have thecash available, you'll have to
remember that that has to stayin the account in order for you
not to be charged a fee, exactly.
And then the last thing, like Isaid, like always, be
(14:31):
negotiating.
Okay, be very discerning aboutyour entire compensation package
before you start a new job.
The salary number is great, andthat's what we talk about, but
sometimes there might be morefinancial benefits available to
you than what they initiallyoffered.
So don't accept the first one.
(14:52):
Ask what else they can do,because it might be that they
can offer you another packagethat you didn't even know about,
because they were savvy andoffered you the salary that you
wanted.
Jenny (15:05):
Right, and there are, especially for people who are
non-confrontational, like myself, where I only confront people
in the shower.
When I'm talking out loud, weall know what I'm talking about,
right, the best arguments.
I win every argument in theshower, just saying you can seek
out sentence frames that willtell you exactly how to
(15:28):
negotiate for what you want.
You don't have to go into thisstammering the way that I often
do on this podcast.
You can have lines prepared forhow you're going to ask for the
things that you want for yourjob and we've talked about this
before but Teal, that Teal HQ,that extension that I told
(15:48):
people to add onto Chrome, ifthey're looking for jobs any of
that they do have.
Caitlin (15:59):
Talking about salaries, on there, so it is worth
reading up, if that's asituation that you're in.
Yeah, I love that, and more andmore negotiation is happening
via email these days, so you canreally plan out what you're
going to say Be your internettough guy.
You can really plan out whatyou're going to say Be your
internet tough guy, right, bethat person, yeah.
(16:22):
And so if you have a retirementplan as part of your package
and you can max it out For sureWhatever they will match.
You put that amount in YepAbsolutely Because again amount
in Yep?
Jenny (16:33):
Absolutely, because, again, you can't beat compound
interest.
No, you can't, and it's freemoney.
It's free If they're matchingit, that's you're not paying for
that, that's them doing thatfor you.
Like it's free money, you needto take it.
You need to take it.
The other thing I've often seenis sometimes if you are offered
benefits through your work butyou're already covered, or maybe
your partner has a betterpackage or however that works
(16:55):
you can talk to them about whatit means to waive those benefits
and see if they'll compensateyou for that.
That doesn't always happen.
It's not often something thathappens, but you can ask that
question and say, since I'msaving you money on paying me
benefits, could you bump this upan extra $500 a month or
whatever it is that it would?
You know there are ways to talkabout that too.
(17:17):
Again, I haven't seen thatoften recently, but I know it
does exist for some employers.
So it's something to thinkabout there too.
And what's the worst thing?
That?
Caitlin (17:26):
could happen.
They just say no, right, youdidn't have it when you started.
Jenny (17:30):
Right, that's.
The other thing, too, is like Ithink for women it's so hard to
hear no because we think itmeans no to every single thing
and we don't advocate forourselves as much as we should.
But if it's an added thing thatyou weren't expecting, if the
worst that happens is no, you'reno worse off than you were
before.
And companies expect tonegotiate.
It's not like they're going togo oh you negotiated, Well, you
(17:52):
don't get this job at all andgank the whole thing away from
you.
They're not going to do that toyou, so don't worry about that.
Caitlin (17:56):
If they've made an offer, it's because they want to
hire you.
Right, right, that's how thatworks.
Jenny (18:02):
Right.
You're allowed to advocate foryourself.
You know what your time isworth.
Make sure you push for that foryourself.
Caitlin (18:09):
So let's talk about this.
A fourth of the women lastcalendar year did not put money
in their retirement savings.
A fourth of working women RightOkay.
In 2022, the average womansaved $3,100.
(18:30):
The average man saved $7,000.
The gender pay gap has women ofcolor making two-thirds of what
men make.
Jenny (18:40):
Now in 2025, or as recently as the past two to
three years not acceptable.
Caitlin (18:48):
Only 35% of US employers have paid parental
leave.
All of these things are hard.
These are truths that aredifficult to hear, but there are
some things that you can do toup your savings.
One is make sure that you'recontributing and maxing out your
(19:08):
match at whatever your joboffers.
Focus on paying off debt asquickly as you can and then
start contributing that sameamount towards retirement.
And don't settle.
Jenny (19:29):
Just ask.
Caitlin (19:30):
Maybe there's more.
Jenny (19:31):
You're worth a lot, lot.
You're allowed to ask for whatyou're worth.
Caitlin (19:35):
You are and you want them to compound it for real.
Let's take a break.
Jenny (19:42):
For links to resources mentioned in this episode.
Head on over tockandgkpodcastcom slash blog to
find everything you need, and besure to follow us on social
media.
Head over to your favoritesocial media network and find us
at CK and GK podcast.
And now back to the show.
Caitlin (20:03):
Okay, we're back, we are.
So I really couldn't think ofsomething that I was obsessed
with, but then I remembered okay, and it's something that I've
been obsessed with before, aboutthe same time last year, is it
snacks?
It is a snack.
It's those sumo oranges.
We're talking about savingmoney and I'm like, oh no, I
(20:26):
need these oranges that are adollar a pop right last year,
you guys, jenny, came to myhouse.
Jenny (20:31):
I was like in the shower or something in the afternoon I
was in my house, puts an orangein my husband's hand and leaves,
yes, and my husband hands methe orange and he was like this
is from jenny.
And I was like, oh my god, it'sone of those small oranges.
(20:52):
This is how much she loves me.
She gave me a dollar fiftyorange, oh my god, so so funny.
Okay, well, I've had their backin your life I've had to pace
myself um.
Caitlin (21:03):
I have had to hide them from abby, so that she's not
eating my oranges.
Jenny (21:09):
That's how I am with Honeycrisp apples.
I'm like, no, this is mom'sapple.
Remember we talked about this?
You can have a Fuji.
Here's your Granny Smith.
Caitlin (21:18):
Keep on rolling, yeah yeah, yeah, have a Caracara or a
Navel, but keep your hands offmy Sumos.
I buy you a whole box of cutiesbut keep your hands off my
sumos.
Jenny (21:28):
I buy you a whole box of cuties.
What are you doing?
Oh goodness.
Okay, well, I recently went toLondon for work.
Um, it was very fun.
It was very crazy, it was verybusy, I was very sweaty.
Let's just, it was a lot.
It was a lot of things.
But on my way home I wasupgraded, which is amazing, and
(21:55):
when you get upgraded you canlike lie down.
Caitlin (21:57):
Like.
Jenny (21:57):
Beyonce yeah.
Caitlin (22:00):
That's a deep cut.
Jenny (22:01):
Let me upgrade you.
So it was like a you just youknow you lie down in the chair
because the chair moves all theway down.
It's, it turns into a bed.
Yes, it's amazing.
Well, you also have a very wideselection of television and I
had been love it.
I am obsessed with this show.
It is so adorable and relatable.
(22:32):
If you've ever been an educator, this show will speak to your
heart.
If you've ever been an educatorin a public school too real it.
It's got like an office sort ofoffice parks, and right vibe,
but it's.
There's a lot, that's less.
You know.
Caitlin (22:49):
The office was made 20 years ago now, which is like
really hard for me to wrap myhead around as I was doing this
research.
Jenny (22:54):
It said something about the last 20 years and I
immediately thought about mychildhood and I was like no 2002
no yeah I was like oh, I had acredit card in 2002 I was
racking up crazy debt in 2002because I was in college and I
thought those glasses were cuteand so I bought them.
I bought myself a little treat400 kate spade sunglasses whoops
(23:20):
.
Anyway, it's very cute.
It's a lot less cringy thanthose shows because you know 20
years ago the cringe level.
Caitlin (23:28):
Well, and that was like part of the show right Was like
how far can we take it?
Scott's Tots.
Jenny (23:33):
Right, oh, I can't watch that episode.
No, I cannot.
Caitlin (23:37):
There are so many people who just write that off
Like I can't do it.
Jenny (23:41):
It's horrible, but this show is not like that, but it
still manages to be really funnyand heartwarming and I love it.
If you haven't watched, ifyou're not an educator, you'll
still think it's funny, likeit's a great show.
So if you haven't watched,quinta Brunson's A Genius she
named Abbott Elementary afterher favorite elementary school
(24:02):
teacher.
This is Abbott.
Oh my gosh, I love gosh, I lovethat.
So sweet.
Oh, she had my heart too whenshe went on to one of the late
night shows.
Might have been seth meyers,but she was talking about how
she got to be on sesame streetand she was like teaching a
class with cookie monster andlike all the friends, oh, love
(24:23):
it, love it, love it.
And she was like, yeah, youknow it was really fun, the
cookies a little much Like weget it, we get it, you love
cookies, okay, great.
No, you can't eat the scissors,like when the Muppets any
Muppet.
This is why I love the actualMuppets.
But when the Sesame StreetMuppets act like adults, right
(24:43):
there, but when the SesameStreet Muppets act like adults,
there's something so preciousabout it and I just love it and
the way she was talking to them.
It was so good.
So, anyway, I love QuintaBrunson.
I love Abbott Elementary.
If you haven't watched, it willmake your heart happy, so just
give it a shot.
Caitlin (24:58):
Well, I have a gem that comes from school.
Jenny (25:03):
So maybe they can write an episode, maybe she can.
Quinta, are you listening?
Yeah, oh, I just heard back.
Yep, she's here.
Caitlin (25:10):
Okay, great, okay.
So this week has been a weekand because of some standardized
testing, our lunch got pushedto later in the day so that our
recess time is up against ayounger grade's recess time, and
we always yield to the youngerchildren, so our sixth or eighth
(25:36):
graders did not get to haverecess.
Jenny (25:39):
That's rough.
Caitlin (25:40):
It is rough, okay, so, besides the fact that they're
not being able to get theirenergy out, they are now
contained in the box, that is,the cafeteria, for an extended
amount of time, because theyfinish their food in the same
amount of time, expecting tohave 20 minutes to play right
(26:01):
I'm picturing, like rememberthose models of like I like ions
and atoms like bouncing whenyou heat them up and they would
start to bounce all over the box.
Jenny (26:08):
That's really what I'm picturing in my head.
Oh, and that's how it is.
Oh, I know, I've been there,I've done it.
Caitlin (26:15):
So we have had to come up with some ways to do indoor
recess.
Trivia is a favorite, and soeach table gets to answer, just
like bar trivia, and we collectall the trivia for 13 year olds
yes.
Bar trivia for 13 year olds yes.
So anyway, we, we pick up thesheets and then the team that
has the most right answers getsa little prize.
(26:36):
Most of the time it's just adress down day or something,
something that costs $0.
Right.
Jenny (26:42):
Mm, hmm.
Caitlin (26:43):
So we did trivia, then we did riddles, but instead of
having them solve the riddles attheir tables, we had them solve
them by grade.
Oh, so the whole grade wouldget a prize.
Okay, I totally cheated andmade seventh grade win and
everyone's like uh, you pickedseventh grade.
(27:05):
I'm like, yep, yeah, I did,I'll pick eighth grade next time
seventh graders are the best.
Yeah, I think so anyway, whenwe got to friday, oh dear, I was
out of tricks.
Yeah, the room is vibrating andwe still have 15 more minutes
(27:28):
before we can release these kidsto their poor teachers, oh man.
So not only are they highenergy, we're borderline sending
them early, right, right.
So I start scrolling, end up ina reddit thread, describe a
movie badly and start readingthese descriptions to the kids.
(27:52):
So let's do a couple.
Okay, now I'm ready.
These are all disney movies.
Okay, um, I have built acharacter um for myself at
school.
That involves I'm obsessed withDisney.
Jenny (28:10):
Yeah, which, maybe I might be, I don't know.
Caitlin (28:12):
Okay, so the first one is this movie proves that cats
don't always land on their feet.
Jenny (28:19):
Well, I mean Aristocats is the one that first comes to
mind, but that may not be it.
It's the Lion King.
Stop that's bad.
It's the Lion King.
Stop that's bad.
That's a mean one.
Oh man, oh my gosh, that'sawful but hilarious, Right, Okay
(28:41):
.
Caitlin (28:42):
A woman takes a nap to avoid doing chores for men.
Jenny (28:48):
Snow White, snow White, that's that, the fact that she
just goes into a house and she's, like I know, all tidy.
I hate that, gosh.
The 50s were a different time.
Wait, is that even earlier?
Caitlin (29:05):
Yeah, sleeping.
Beauty was 59, so no, I thinkSnow White was 1939.
It lost the Oscar to Gone withthe Wind.
Jenny (29:15):
Oh, yes, okay, All right, okay Okay.
Caitlin (29:19):
The final one I'll give you.
Okay, a woman takes a nap and aman ruins it.
Jenny (29:26):
Oh, sleeping Beauty.
Yeah, have you seen her skin inthat?
She was so calm and rested?
Caitlin (29:35):
Yeah, because she was like 14 or 16.
She's 16.
Jenny (29:38):
Yeah, snow White is 14.
Okay, and Ariel is also 16.
Caitlin (29:44):
That's how we handled indoor recess.
Jenny (29:49):
I read it perfect.
I was waiting for you to belike.
I started reading from the aita.
That might be next week.
You know what you could or youcould buzzfeed, quiz them that
would be fun too there's somelike good geography ones.
You could do buzzfeed, quizthem and see what happens.
Caitlin (30:05):
That's amazing.
Jenny (30:06):
Okay, Mine is not nearly as cool as yours, but my son is
in basketball and sometimes Ihave my headphones in to make it
look like I'm listening tosomething.
But I'm really just listeningto the people around me and just
like kind of muffling the sounda little bit because it's a
little bit loud.
I love this about you.
It's a lot.
It's just too much noise for me.
Caitlin (30:28):
No, no, no the idea that I'm putting my headphones
in but I'm listening to people.
But I'm listening to people.
I am 100% eavesdropping on yourconversation right now, but you
don't know it, oh yeah.
Jenny (30:38):
Every time.
So there's a very gregariousperson who shows up at these
games and I'm assuming that thechild is on my son's team.
But I haven't matched the manto the child yet, right, but I
hear him and this is all I heardof the conversation at the
basketball game.
So I got in trouble with myson's crossing guard yesterday.
(31:00):
Normally it's just like hey,hey, cross here in the crosswalk
, but like, if you're actuallygetting in trouble with the
crossing guard, what did you do?
Caitlin (31:12):
Well, and also those crossing guards like they take
their job real seriously.
Jenny (31:17):
Well, that's like the voter registration.
Caitlin (31:19):
People Right?
Oh, it's like hey, I have beenwaiting 80 years for this gig,
Do not get in my way like, hey,I have been waiting 80 years for
this gig, do not get in my way.
Jenny (31:32):
So yeah, I don't know what he did that.
He got himself in trouble withthe crossing guard, but it made
me like I was again pretendingnot to listen, right, but I
cackled oh, this podcast is veryright, exactly so I.
So I had to like pretend youknow, so embarrassing and stupid
, but that's exactly what I did.
So there you go.
(31:53):
Okay, that was fun, thank you.
Thank you for the learningness.
Now I need to go do the thingswith my monies.
Caitlin (32:01):
I have some news.
So I'm going to take some timeoff from the show, but the show
is not going to take time offfrom you.
I am going to work on this kneeit's so bad ACL, mcl, both
(32:22):
meniscus and I am currently inprehab.
Hopefully I'll have surgeryvery soon and then I will be
working my way back to walking.
And just this morning I lookedat John and said am I ever going
to sit cross-legged again?
And he said yeah, you'll beable to.
You'll be able to.
I was like good, because that'smy favorite way to sit, and I
(32:42):
realized like crisscrossapplesauce on the floor yeah,
you do like sitting like that inchairs?
is that a sentence like what'syour favorite way to sit?
But yes, I have one?
Jenny (32:52):
yeah, yeah, you do like that, but um, so she's gonna
work on getting her knee back tothe normal bending bent,
whatever that is, and I willhave some guests and maybe a
solo episode or two.
I haven't figured out howthat's going to totally all come
(33:13):
together, because I'm onlyfunny with other people, so I
mean I crack myself up, but I'ma lot funnier when someone else
is around.
So I'll make it work, but she'sgoing gonna take some time and
she might be here when she feelsup to it, but in the meantime
we're all just gonna be sendingyou all the best while you try
and get your knee not blown up.
Caitlin (33:34):
What's the opposite.
My boss called it my hinge.
That's what it is.
Yeah, he's like how's yourhinge going?
It's bad.
And then he well, at leastyou'll hit your deductible this
year.
Jenny (33:45):
Hey, get it.
My gum stuff doesn't even countas part of my deductible, so
there you go Like.
I know.
Caitlin (34:01):
It's elective.
It's elective, sorry.
Jenny (34:04):
Wow, you guys are going to miss her, huh.
Oh, make good choices and finda high-yield savings account.
Bye Bye.
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