Unplugging Cost Our Take on Orlando's Cost of Living

Episode Transcript
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Speaker 1 (00:08):
contains information about universal becoming social
media account holders.
You're listening to orlandounplugged, celebrating life in
living color with dustin andashley.
Grab a cocktail or a mocktailand let's get Unplugged.
Orlando.
What's up Unplugged, fam?

(00:34):
I'm Dustin.

Speaker 2 (00:35):
And I'm Ashley.

Speaker 1 (00:37):
Oh, that was so quiet .

Speaker 2 (00:38):
I know it was kind of nice.
Listen, it's a chill Sunday.
We're having a vibey Sunday.
We just came back from eatingour body weight and sushi.
We did a cute little Aldi's run.
Bruce needed cat food.

Speaker 1 (00:49):
You just derailed that intro hard.

Speaker 2 (00:52):
What did I do?
You want to do it again?

Speaker 1 (00:56):
What's up Unplugged?
Fam, I'm Dustin.

Speaker 2 (00:57):
And I'm Ashley.

Speaker 1 (00:59):
And you're listening to Orlando Unplugged Podcast,
episode 21.
21.

Speaker 2 (01:09):
21.
Hey, you know who's going to be21 next week.

Speaker 1 (01:11):
Who, julia?
Oh yeah, it's Julia's 21stbirthday next week.
That is exciting.

Speaker 2 (01:14):
Well, I guess it's this week, it's Wednesday.

Speaker 1 (01:16):
I guess we'll have to update everyone on how Julia's
drinking around the world goes.

Speaker 2 (01:22):
I cannot wait.
I've always wanted to see thatgirl drunk and I cannot wait to
do it, I think wait, I've alwayswanted to see that girl drunk
and I cannot wait to do it.

Speaker 1 (01:29):
I think it'll be fun.
I'm so excited.
Well, guys, welcome back tothis week's episode.
As we told you last week, thisweek we're going to be diving
into a little bit of what itmeans to unplug the cost of
living here in the greatSunshine State, and more
specifically, orlando, florida.

Speaker 2 (01:41):
I Specifically Orlando, florida.
I promise this will not be asuper boring episode filled with
a whole bunch of numbers and awhole bunch of things that you
really don't care about.

Speaker 1 (01:48):
Even though it is full of that, and that's the
whole purpose of this episode.

Speaker 2 (01:53):
Okay, on my side of things, I promise not to make it
a boring episode for you.

Speaker 1 (01:57):
You hate me.

Speaker 2 (01:58):
Yes, I do.
Do you know what today is?
Well, I guess yesterday.

Speaker 1 (02:08):
What is it?

Speaker 2 (02:09):
It's National Ally Awareness Month.

Speaker 1 (02:13):
I don't think our listeners are going to agree to
that statement.
Listen I think moreappropriately.
It is officially Pride Month.
Yes, it is, even though youlive in your own little Imogen,
heartstopper world.

Speaker 2 (02:24):
Yes, I do, because you are an ally, I am an ally.
Did you tell everybody what,what you got on on pride month,
on the very first?

Speaker 1 (02:33):
uh, a big long text message from you that I never
responded to.
Yes, you did.
Oh, yeah, I said imogen becauseit's all about me.

Speaker 2 (02:40):
And do you know, like every single place I've been
since the first, I have been toa theme park since the first and
I've seen, obviously, all oftheir pride, merch and
everything is all out and aboutand everything, and I can't tell
you how many Snapchats I sentyou yesterday.

Speaker 1 (02:57):
I would like to remind everyone that during this
month, you can give all of yourmoney to these corporations
that blindly and fakely say thatthey support the lgbtq plus
community, or you can donateyour money directly to me, a
homosexual, and I promise you Iwill put that money to far more

(03:18):
good use than all these otherplaces, because I will use it to
, um, fix the air conditioner inmy car, which is still not
fixed, amongst other things.

Speaker 2 (03:28):
Yes, but don't worry, I'll do all the representing
for you.

Speaker 1 (03:34):
Yeah.

Speaker 2 (03:34):
I can't wait.
I'm getting all the thingsbecause I've never had an excuse
to so.
Now I have a full excuse.

Speaker 1 (03:40):
See, and this is where I feel bad for you,
because I'm just not, I don'tcare that this month you are I
just july 1st, you can go backto being your little.

Speaker 2 (03:49):
I don't want the world to know that's fine like I
will support it either way Ididn't say I don't want the
world to know.

Speaker 1 (03:54):
I just live my life.
I know.

Speaker 2 (03:56):
But from june 1 until june 30th.
You are going to be the mostpride obsessed person, right
along with me, and I hope yourealize that because I'm going
to, I'm going to rock them, I'mgoing to wear the ears that
disney world just set out.
And the universal, everyuniversal is love, or love is
universal.
Is that what it is?
I think it is it.

Speaker 1 (04:16):
Universal is love or love is universal I'm gonna buy
all of the things well, whilethat is great, and we absolutely
love that, we just want to makesure that all of our listeners
know that here at Orlando,unplugged, we believe in
celebrating love, acceptance andthe beautiful diversity of all
humans.

Speaker 2 (04:31):
We really do.

Speaker 1 (04:32):
So this month, we stand with our members of the
LGBTQ plus community, honoringthe courage and strength it
takes to be yourself everysingle day, and something that
we're planning on doing.
We're still working onlogistics of everything, yes, um
, but we, as of right now, we dohave one special guest speaker

(04:54):
that we're hoping to bring toyou in the next week or two.
Therefore, I don't have anupdate on exactly what next
week's episode is going to be,because it's going to depend on
schedules, um, but we do plan tohopefully have at least one,
two, if not um one, every weekthis month a member from the
lgbtq plus community yes um, todiscuss uh topics on how, just

(05:16):
just how that interacts withwhatever topic it is that we're
talking about yeah, or justabout them, about their life.

Speaker 2 (05:21):
Maybe we'll have a coming out story, or we'll, you
know, talk about what it's liketo to to live in this world in
this day and age and and be amember of that community.

Speaker 1 (05:30):
So who knows, you guys might see geo again oh,
he's the guy he's the gayestperson I know in orlando, so he
would.

Speaker 2 (05:38):
He would very much agree with you, I think, on that
statement I think so I can'twait.
I'm so excited because and youknow what's going to be great is
every single time we're gonnahave one of those.
I'm gonna rock like my rainbowcolors and I can't wait because
I am an ally this month maybeabout you I'm an ally, but it's
about me, because I am an allyI'm not homophobic.

Speaker 1 (05:57):
I'm an ally, I'm an ally?

Speaker 2 (05:59):
listen, I am not.

Speaker 1 (06:00):
I am very much an ally if you guys have not seen
heart stopper, it is on Netflix.

Speaker 2 (06:04):
I highly recommend you should totally go watch it.

Speaker 1 (06:06):
It's very, very good.
First season's great Secondseason is out now.

Speaker 2 (06:10):
Makes me cry.

Speaker 1 (06:11):
It doesn't get.
It's not like dark or vulgar,but it gets a little more real.
Ashley's yet to learn.
She hasn't seen the wholeseason yet, so she's going to
find out soon.

Speaker 2 (06:26):
But you'll get to see my twin and season three comes
out october 3rd, right before mybirthday.
So I'm excited for that.
But yeah, um, oh I.
I am really excited, though,because I do think that when we
cover a couple episodes that weare going to have to cover
universal's city walks newestokay, so I don't want to say
newest restaurant, because redcoconut club has been around for
a while, but every season, redcoconut club also a bar, not a
club it's called red or it's abar, not a restaurant.

Speaker 1 (06:48):
You call it a restaurant.

Speaker 2 (06:49):
Oh, I'm sorry, um, they, every season they change
their, their theming to it, anddo you know what they have done?

Speaker 1 (06:56):
I was just there yesterday.

Speaker 2 (06:57):
I saw it, but I don't remember what it's called red
coconut pride that's right Ican't wait so, and it's got
exclusive merch and exclusivecocktails and it's like it's all
decorated and everything.
So I will be sure to add all ofthat to our social media a real
and slight somber note.

Speaker 1 (07:14):
Um, I haven't like looked into this, I've only seen
it as I've scrolled throughthings.
But apparently, like the fbiand the counterterrorism thing
is saying that isis is claimingthat they plan to do something
this june, um, so stay vigilantout there, friends be safe, be
proud, be who you are, but keepyour eyes peeled for that weird

(07:37):
person in the corner, becausepeople are weird I mean, you
could just have a weird personin a red group.

Speaker 2 (07:42):
I don't know if they're going to be a part of
those things, but there could bea weirder person.
Keep an eye for the weirderpeople.

Speaker 1 (07:47):
Yeah, the weirders.
The weirders, Because I meanAshley is clearly the weird
person in our friend group.

Speaker 2 (07:52):
No.

Speaker 1 (07:54):
You definitely are.

Speaker 2 (07:55):
I'm an ally, not weird, thank you.

Speaker 1 (07:57):
Okay.
Well, now that the Gay Agenda.

Speaker 2 (08:01):
I love the Gay Agenda .

Speaker 1 (08:01):
Let's move on to your absolute favorite topic and
show that we have done so farabout unplugging our finances,
Ashley.

Speaker 2 (08:09):
Woo, you ready.

Speaker 1 (08:10):
Let's do it.

Speaker 2 (08:11):
All right all right.

Speaker 1 (08:42):
So today, what we're going to be doing is we're going
to be focusing and talking alittle.
Oh hello.

Speaker 2 (08:48):
It's my dryer it was like.

Speaker 1 (08:50):
it was like go.
Today we're going to bediscussing a little bit about
our personal finances and theaverage cost of living for the
state of Florida and, morespecifically, when we have the
information here in the Orlandoarea.
Specifically, when we have theinformation here in the Orlando
area.

Speaker 2 (09:04):
I think the whole purpose of this episode is to
get people that are thinkingabout moving to this area.
Hey, this is your how-to guideof exactly how much you're
looking at it being while youlive here.

Speaker 1 (09:17):
And I will say right now if you're planning on moving
to Orlando, Florida, byyourself, I hope you make
greater than $60,000 a year.

Speaker 2 (09:25):
Or you find really good friends very fast yeah,
that was like you to be honest,that was so.

Speaker 1 (09:29):
I've wanted to live here since I 2014, um, and I've
just not had an opportunity thatlined up well and I had friends
that had space like free spacefor me to slide in.
I finally found that and thatwas the only way that I made it
down here.

Speaker 2 (09:42):
That's crazy um.

Speaker 1 (09:45):
So technically, the cost of living in florida is
slightly higher than thenational average.
So according to the worldpopulation review, florida ranks
as the 22nd highest state whenit comes to the cost of living.
According to unbiasedcom, with afifty thousand dollar yearly

(10:05):
income, you can live well inflorida that was some air quotes
there that was uh, especiallyin affordable areas like so I
didn't know this uh prior totoday, but apparently winter
heaven, winter haven,gainesville and jacksonville are
the more cheaper places to liveand obviously as you get closer

(10:26):
to the coast it's going toskyrocket in price.

Speaker 2 (10:30):
Oh, absolutely.
I also feel like when you getcloser to theme park, villas
Theme park villas, so you meancity centers.
Like Orlando, like Tampa.
Yeah, those two places aregoing to be actually a lot more
Well those are more metropolitanareas, so there's a lot more
going on.

Speaker 1 (10:47):
Obviously, the city center in Sanford is not going
to be as expensive as the citycenter in Orlando.

Speaker 2 (10:52):
Correct.

Speaker 1 (10:53):
And Sanford is what?
10 miles north, it's just rightdown the road, Something like
that yeah, you want to talkabout housing costs.

Speaker 2 (11:02):
Absolutely, why not?

Speaker 1 (11:03):
Let's do it.

Speaker 2 (11:03):
So the average housing cost breaks it down to.
We broke it down prettyaggressively here.
So the average rent is steady,from apartment to single family
home rentals.
A studio, one bedroom apartmentin the city center runs about
$1,900 per month for a total of$22,800 a year.

Speaker 1 (11:23):
That makes me sick.
That's disgusting is what it is.

Speaker 2 (11:28):
A studio, one-bedroom apartment outside the Sydney
Center will run residents about$1,700, totaling $20,400 a year.
That's even more disgusting tome.

Speaker 1 (11:40):
And to put that into perspective, if you make like
$18 an hour, you can't evenafford to live outside.
You're only making like $30,000a year.
So that's almost your entire.

Speaker 2 (11:52):
Paycheck.

Speaker 1 (11:53):
So the cost of these units, these apartments, are
typically so high you can'tafford that on a single person
salary.

Speaker 2 (12:01):
No.

Speaker 1 (12:01):
So if you're moving to Orlando, you either have to
have a dual income household oryou have to have roommates, like
you and I both have.

Speaker 2 (12:10):
Correct.
Now most three-bedroomapartments in the city center
will run about $3,112, totalingabout $37,344 a year.
Now the same apartment outsideof the city is going to run
about $2,600 a month, which isgoing to average about $31,200.
So, depending on whether or notyou live in the city or outside

(12:31):
the city, you're still lookingat a ridiculously high amount
for a three bedroom with someroommates or with a dual income
household.
Now our average utilities forthese places, on average, are
going to give you about waterbeing about $33, your gas being
about $105, electric being about$144, and streaming and
internet services being about$76.
Now, this does not includephone bills, groceries, if you

(12:54):
have pets, any sort of carinsurance.
This is just strictly living.
That's the average that they'regiving you if you are typically
living in a city center or anoutside city adjacent.

Speaker 1 (13:06):
Yeah now I don't know anybody that has a 33 water
bill, but me either.

Speaker 2 (13:10):
I don't have you ever , ever had a 33 water bill um in
like 2011 2012 I didn't.

Speaker 1 (13:19):
I've never had a 33 water bill yeah, I lived when I
uh had, when I lived in my, likemy trailer, my childhood home,
it was uh.
For a while it was just me, andthen I had a couple of
different roommates over times,um, but back then if the water
bill was 40 or higher, it wasconsidered high.
Now, that being said, I livedin a rural community in east

(13:39):
tennessee, which is verydifferent from living in a city,
where you also have sewer andall of those things, like I
lived on septic back then so it,we didn't pay sewer bills and
all these I say, ah, like Ireally have an idea of what that
means.

Speaker 2 (13:53):
But I'm just gonna go with ah that's so cool.

Speaker 1 (13:55):
So what is your?

Speaker 2 (13:56):
what is your for you?
What does it look like for youright now?

Speaker 1 (14:00):
so for me, I made a deal with some friends.
Uh, I have friends that have afour-bedroom home hi friends um
in they.
It's a rental.
They don't own it um, but it'sa, it's a house yeah, it is a
house.
It is a standalone single-familyhome, um on the outskirts of
orlando, so it is what I wouldcall a lower class community, um

(14:24):
, I mean, we have greatneighbors and everything.
Like no one in our like,directly adjacent to us, like
there's no trashy houses, we'relike within the next few houses,
but the neighborhood that we dolive in is a little on the
trashier side, but that's finebecause I grew up as white trash
, so that's okay.
I'm kidding, kind of I alwaysjoke.

(14:47):
One side of my family was uppermiddle class.
The other half of my familylived in poverty.

Speaker 2 (14:55):
That's a big mood.

Speaker 1 (14:56):
And it really was Well, to be honest, in my
opinion, it made me understandmoney more and it made me really
appreciate what I had, becauseI got to see both sides of the
spectrum and a lot of my friendslived in bad poverty in my
hometown, um, so I've seen bothsides of that world and for a
brief period I was consideredupper middle class, uh, last

(15:18):
year, when I had a really nicejob, um, but yeah, so I pay the
agreement that I made with them.
I had to move down here.
No job lined up was, uh, $633for my rent and then utilities
on top of that.
So right now I'm payinganywhere from $750 to $800 a
month in total for everything,um, but I don't know what the

(15:40):
full rent is for the home and Idon't know what my other two
roommates pay.
I have no clue.
I just know the agreement thatI made with them I love that for
you, yeah and I get, I have,technically, I have two rooms.
I have my room and then I have,uh, one of the empty rooms that
I have set up an office in, um,but yeah, so for you, you're on

(16:01):
the opposite end of the spectrumfrom me, so what is it like
where you?
I've always been on theopposite end of the spectrum
from me.

Speaker 2 (16:05):
So what is it like where you live?
I've always been on theopposite end of the spectrum,
though, from a lot of people.

Speaker 1 (16:07):
I'm going to not say the joke about the spectrum
you're on, but continue You'rean ass.

Speaker 2 (16:14):
So I kind of want to start though a little, to kind
of combat what you were saying.
Though you grew up seeing bothsides of everything, right, you
grew up seeing both sides ofeverything, right, I grew up
being my parents had, I mean, Idon't want to say like we were
well off, but we were okay.
And then when I was a freshmanin high school, we were really
okay.

(16:35):
Like we would take multiplevacations, we would do multiple
things.
Um, my parents had there wasthree vehicles in our driveway
at all times.
Like my dad had a sports car,like my parents were very well
off.
Both my parents worked by thetime I was a freshman.
So, and my dad made bank.
So I went from like watching mymom as a in elementary school

(16:58):
and middle school clip couponsto like, hey, we can shop at the
bougie grocery store, okay,Okay, that's kind of cool.

Speaker 1 (17:05):
We going to the Walmart today, we ain't going to
no.

Speaker 2 (17:08):
No, no, no, it was like we were in from like
Grocery store outlet.

Speaker 1 (17:10):
United Grocery Outlet .

Speaker 2 (17:12):
Going to like the commissary on base to being like
we could shop at Kroger, wecould shop at like Whole Foods,
okay, okay.

Speaker 1 (17:21):
So now tell me what you tell me, tell me about your
house.

Speaker 2 (17:24):
So I live in a three bedroom house.

Speaker 1 (17:27):
I have apartment, my house.

Speaker 2 (17:29):
I, I live in a I'm sorry, I got in a text message
from from the little brother, Iapologize Um, I live in a three
bedroom apartment.
Um, I have technically on ourlease it is just myself and one
other person, so we split ourcosts technically three ways

(17:51):
because there's three of us thatlive here.
Um, so for my cost alone, justfor me, um, I'm looking at, I
look at between about ninehundred dollars to a thousand
dollars, and that includes myrent, that includes my and it
includes my water bill.
Our utilities is the same wayand then our wi-fi is included
in that.
Between 900 and a thousand isthat's typically what each of us

(18:13):
pay for.
However, my situation is alittle different because I live
with my little brother liveswith me, so I cover most of the
time, I cover a good chunk ofhis cost, and if I don't, then
the iconic shan helps out inthat situation a little bit
shout out to love her, and whereis your apartments located?

(18:36):
I'm um.
We're what is called the city.
What is it city adjacent isthat?

Speaker 1 (18:41):
what city center adjacent?

Speaker 2 (18:42):
city center adjacent.
Um, we literally live.
I have no issue with this.
I like where I live and mostpeople know where I live anyway,
so I don't care if the worldknows.
I live literally right behinduniversal, like I could walk.
I do all of my roommates walkto to work and I I run through
universal because I run everyday.
Um, but like no you, there's,there's complete access from my

(19:04):
house to the theme park.

Speaker 1 (19:06):
Yeah, so you are.
You technically live in themiddle of the tourist
destination of Orlando.
I literally do.

Speaker 2 (19:13):
I literally do Like there is tourists everywhere.
We could.

Speaker 1 (19:17):
If we wanted to, we could walk to the grocery store
and walk to all these places Ivery much could.

Speaker 2 (19:21):
Yeah, we don't, oh God no.

Speaker 1 (19:28):
I walk to all these places very much.
Good, yeah, we don't, oh god,no, I mean, I walk to the theme
park, don't get me wrong, butthat's probably about as far as
I walk.
We walk if we ever stay atuniversal resorts.

Speaker 2 (19:31):
We walk, so we don't have to pay to park our cars
there, yes, I do that.
Um, there's also times where,like, if I'm meeting friends at
city, walk for like a drink orsomething I'll walk to to the
park.
I mean, yes, it's only like aseven dollar uber, but I'm like
seven dollar uber or seventeendollar cocktail.

Speaker 1 (19:45):
Yeah, now I will say I will say this um without
either of us going into detailson our personal incomes you make
more than I do I do we do knowthat.
So, um, I technically fall intothis next little portion, which
is, uh, something I findinteresting.
So, so the median income forOrlando residents is about

(20:05):
$35,000, which is just $2,916 amonth, which, when compared to
the $22,800 a year in rent for astudio apartment, that only
leaves about $12,200 remainingfor all cost utilities
transportation, groceries,entertainment, health care,

(20:30):
anything else that you do buyingclothes, and that's why, like
this next portion, you'llunderstand.
So, if I'm paying, you knowabout that much which I'm not
I'm paying a little bit lessthan that.

Speaker 2 (20:42):
Well, I'm paying but I think that Wait, wait, Before
we get into this portion.
Can we pause for just a secondhere?

Speaker 1 (20:47):
Yeah, what's up?

Speaker 2 (20:47):
That's crazy to me.
Like I'm looking at that cost,like I mean, my brother falls
into that category there and I'mjust like, how are kids
nowadays after they graduatehigh school and if they most of
the kids that live in our thatwork for theme parks, they don't
go to college right away.
They'll take a year off, likemy brother did, and he works for
a theme park.
How are they supposed to affordto do this?

(21:10):
Not all of them have bigsisters who make a decent amount
of money.

Speaker 1 (21:15):
This is why we are seeing historical numbers of
adults that are still livingwith their parents.

Speaker 2 (21:20):
Oh yeah.

Speaker 1 (21:21):
Because here's the thing, and I'll say this, I'll
preface have I ever paid my lent, rent, rent, your lent, my lent
, have I ever?

Speaker 2 (21:35):
paid my rent late.
No, um, within 30 days.
Yes, there have been times.
Oh, I said no.
I thought you wanted me toanswer for you I'm.
I'm 30 years old you've, youguys have been yeah we,
everybody has.

Speaker 1 (21:42):
You either forget to pay it or you just don't get
paid until the following Fridayand you're five days late.

Speaker 2 (21:46):
We've also had a situation where, like my, credit
card information got stolen.

Speaker 1 (21:50):
Yeah.

Speaker 2 (21:50):
So we couldn't pay rent because we're waiting for
my new card.

Speaker 1 (21:53):
Every time that that has ever happened to me, I've
always spoken with my landlordand my leasing office, and it's
usually paid within five to 10days of it being considered
overdue Correct.
Therefore, not once in myentire life has it been reported
on my credit score that I havemissed a payment for rent that.
I have been evicted from a homebecause I never have been.
But tell me how $22,800 a yearis what I would have to pay for

(22:23):
rent.
That's crazy.
But a bank will look at me deadin the face and say you don't
make enough money for a $800 amonth mortgage even though
you've been paying more thandouble in rent.

Speaker 2 (22:38):
Yeah, know, in most places.
I know when, when zach and Iapplied for for our apartment
complex we had to make, I thinkit was like 3.5 times, the, our,
our, our, and what is it calledour rent?

Speaker 1 (22:53):
you're, yeah, and if you don't mind me, asking what
was when, you, when, it, when itwas advertised before they
tacked on all the extra crap.
Yeah, do you remember what theysaid?
The, the, the rent was for thisthree bedroom.
I want to say it was thirtyseven hundred dollars, I think
so thirty seven hundred dollarsfor three bedrooms that are
about 12 feet, and we didn'tknow correct.

Speaker 2 (23:13):
We didn't know that it was included, like all the
rest of the things, like thatwasn't.
Like we weren't aware thattrash valley wasn't part of that
.
We weren't aware that, like,our parking was included in that
or that like, um, our water wasattached to that like or that,
all the amenities and amenities,and because see most places it
would be.

Speaker 1 (23:29):
This is what it was.
It would be three thousanddollars plus eight dollars for
trash, plus three dollars amonth for pest control, plus
fifty dollars a month for pooland gym access, plus this and
usually that's all tacked onafter the fact, correct um?

Speaker 2 (23:45):
but 3.5 times $3,700.
Do you know what that is?

Speaker 1 (23:50):
how about?

Speaker 2 (23:50):
that's almost 1,300 $13,000 between Zach and I.
We had to make $13,000 a monthin order to to qualify, because
it's 3.5 times.
So this place was listed at$3,700.
That's not, and you multiplythat by 3.5, right.

Speaker 1 (24:15):
Yeah, but that math is not math-ing, because you
guys don't make that much moneya month.
That's a lot of fucking money.
Excuse my language, but three.
That might that seem.
I don't know, but yeah, I I do.

Speaker 2 (24:34):
It's ridiculous.
I do see what you're saying.
My thing is is like the average, that's nine three, three
thousand plus is that six?

Speaker 1 (24:42):
thousand times three is nine yeah, but even still but
I'm going.
The average theme park employeemakes eighteen dollars an hour
yeah, I think universal anddisney start around 18 an hour
these.

Speaker 2 (24:55):
Okay, what about these kids at like fun spot or
sea world?
I know sea world only pays them.
I think it's 16 how are they?

Speaker 1 (25:02):
okay, well first off, no one's moving to orlando,
florida, to work at sea world Imean, there are people though
that do they want to.
I guarantee they're not goingto be front.
You know frontline positions,those are going to be higher
positions, sad though yeah butthat is unfortunately that's
it's awful so yeah, but let'stalk about transportation costs
oh yeah um, unfortunately I didnot think to look at what public

(25:26):
transportation in orlando is.
I didn't think about that untilliterally this exact moment I
will tell you that you can ridethe iDrive trolley for $6 a day.

Speaker 2 (25:33):
I know you can ride the bus for $1.25 away.

Speaker 1 (25:39):
Per ride.
No, no, no.

Speaker 2 (25:40):
Like per stop.

Speaker 1 (25:43):
What do they do Make you get off and get back on and
put your money back in?

Speaker 2 (25:46):
No, you swipe your card and you tell them where
you're going and they charge youfor that.
I don.
And you tell them where you'regoing and they charge you for
that.
I don't think that's how thatworks.

Speaker 1 (25:55):
It's usually you just board and pay and then yeah,
and then that's how long you payfor, how long you're on until
you get off.
I have never heard of a citydoing that.
Before you pay to get on thebus and then you get off the bus
at your destination yeah, butI've never heard of per stop no,
like, like if you get off andyou get back on okay, okay, okay
, okay.
That's what I'm saying.

Speaker 2 (26:10):
Gotcha okay, like if you stop at like 12 different
stops.
You're paying for 12 differentstops the.

Speaker 1 (26:14):
So here in orlando the average gas prices tend to
hover about three dollars and 50cents, but obviously they do
fluctuate around world events umthe pandemic hurricane season
which we are officially in.
There's no hurricanes going onright now, so gas prices aren't
inflated, not yet.
However, just as any part ofthe country does, you can see

(26:37):
spikes in prices for any giventime, any given reason, but for
the most part regular unleadedgas runs about $350.
Now I have to put the top level.
I always have to put premium.
My car is a european car andwhen I bought the car they were
like.
They were very clear.
They were like premium only donot put regular gas in this car.

(26:59):
So I never have and I probablynever will.
But that means I'm payingusually four dollars and 43
cents a gallon for my gas, butI'm only spending an average
about 30 per week because I onlyhad to fill up my car once.
Did you have a thought?

Speaker 2 (27:13):
no, okay, you're good keep going now.

Speaker 1 (27:16):
Here's where it gets more fun.
So keep in mind I have alreadypaid my rent of about six, six,
thirty three to eight hundreddollars, and on top of that, I
purchased a vehicle at the endof the pandemic, when interest
rates were ridiculously high.
I didn't have the best creditin the world, um, so my monthly

(27:40):
car payment is about 415 a month.
Um, and here's the kicker thisis, what really bothers me is my
car has depreciated in value.
I bought it in 2022.
It's now 2024.
And my car has depreciated invalue by 76%.

Speaker 2 (27:57):
So it went down.
Is that what depreciate means?

Speaker 1 (28:00):
Yes, which I mean?

Speaker 2 (28:02):
I mean that is standard in vehicles, but Don't
they say that your carautomatically depreciates, Like
if you buy a new car itautomatically depreciates the
minute you take it off the lot?

Speaker 1 (28:10):
Oh yeah, the second.
You leave the lot lot, itdepreciates in value by like
thousands of dollars that's soweird to me.

Speaker 2 (28:15):
It's so weird to me that like you can buy a house,
put work in it and your car,your house value will go up, but
like you drive a vehicle, youbuy a vehicle.

Speaker 1 (28:24):
The longer you have a car, the more wear and it's.

Speaker 2 (28:27):
Houses and cars are very, very different I know well
, one moves and one stayssedentary yeah, um, but here's
the thing that uh that isupsetting to me is it's
decreased in value to prettymuch next to nothing.

Speaker 1 (28:39):
Like if I wanted to trade this car in, I would be so
upside down on my loan becauseit has depreciated in value so
much, very, very sad, especiallybecause cars are so expensive
to buy yeah, and I paid morethan what it's worth, and I'm
still paying a lot more thanwhat it's worth.
I love that for you so I thinkthe thing that bothers me the

(29:00):
most about how much isdepreciated in value is car
insurance.
Yep, so because I have a lienon my car and I'm paying it off,
I have to have full coverageinsurance, and the state of
florida requires um yourinsurance to have a minimum of
ten thousand dollars of personalinjury protections and ten
thousand dollars in uh propertydamage liability.
So in order to get that and toget uninsured motorists, which

(29:24):
is very much needed in the stateof florida, yes, it is and and
loan lease payoff, which issomething else that I have.
I'm paying about $159.62 permonth, so a total of $792.57
every six months for my terms,and that is through Progressive,

(29:46):
which I've been able to.
I had it when I moved toFlorida.
I left Progressive for a littlewhile.
I had some issues with thecurrent insurance company that I
had, so I jumped back over toProgressive recently and I like
Progressive.
I think they're great.

Speaker 2 (29:58):
Isn't that Flo?
Yes, I love Flo.

Speaker 1 (30:00):
Yes, she's the reason I got Progressive in the first
place.

Speaker 2 (30:03):
She's so cute.

Speaker 1 (30:04):
That name your own price tool, which doesn't really
work because you don't get toname your own price.
You get to tell it what youwant and then it gives you a
very exuberant price.
So that's about what it runsfor me to run my car.
So we're, you know, we'retalking a little over $500 a
month.
So guess what?
I've paid $600 for my rent,$600 to $700 to $800.

(30:26):
Now another $500 for my car.
We're well over $1,000 rightthere.
Car, we're well over $1,000right there, and that's more
than I make in a single paycheckin two weeks.
So these, my rent is on onepaycheck, my car is on the other
and it doesn't leave a wholelot of money for things in
between.
But we'll talk about that.
What is your transportationlike?
Actually, because yourtransportation is much, much

(30:47):
different than mine.

Speaker 2 (30:48):
It's very different, because I hate talking about
this topic so much because I get, I get so much, I get so much
backlash for it like I am I mean, I don't think you should get
any backlash if it's what youwant to do I get a lot of it,
though, to be honest with you,because I you're living in a New

(31:09):
York state of mind.
I am almost 28 years old and Idon't talk about this, I don't
tell people this, but I'vedecided this is the year that
I'm going to be open and honestabout things.

Speaker 1 (31:22):
Girl, there's nothing shameful about it.
Just tell the people how youget around.
I don't drive.

Speaker 2 (31:27):
I don't drive.

Speaker 1 (31:28):
You used to drive.
You have driven.
It's not like you can't drive,you just choose not to.

Speaker 2 (31:34):
Kind of that story is kind of true.

Speaker 1 (31:37):
OK, well, any who, let's talk about what you do.
Do.

Speaker 2 (31:40):
I lift an Uber everywhere I go, so, but I don't
, I don't Uber, I don't, I don'tlike Ubers.
I feel an Uber knows this and Ihave absolutely no problem
talking about this.
I, um I feel an uber knows thisand I have absolutely no
problem talking about this.
I feel incredibly unsafe in anuber than I do in a lift.
I've had more issues in uberswith creepy drivers people
dropping off at the wrong spot,not knowing where they're going,

(32:01):
more than I have ever haddriving in a lift, and I have
been lifting it for on and offfor about five years now I,
whenever I would come down hereon my vacations before I moved
lift always.

Speaker 1 (32:15):
And when guests, when guests come up to me where I
work and ask me how to get tothe airport, I always say you
can Uber, lift.
My personal recommendation islift.
It's what I do, it's what Ilove Lift, if you're listening
if you want to sponsor someone,you can totally sponsor Orlando
unplugged podcast.

Speaker 2 (32:32):
Sponsor Ashley because, I literally give you
all my money.
Um, no, I, I, I lift everywhereI live from my house to work,
from work back home.
I also lift if I have to go tothe grocery store, if I'm going
to meet friends at a theme park,um, and I'm not, I mean,
obviously, like I live withpeople who drive.

Speaker 1 (32:47):
I also have your private chauffeur.
I do who's your privatechauffeur?
You?

Speaker 2 (32:52):
but I also feel your gas tank for private
chauffeuring me you do and ifit's not you, then I have other
people that that pick me up fromplaces all the time.
So no, it's, it's fine.
I, to be honest with you, Iprefer it honestly like.
I have seen way too many peopleget into car accidents.
I mean, my best friend got intoone two years ago.
I have seen way too You'vegotten into accidents before.

(33:13):
I've seen Girl we got in anaccident and we weren't even in
the car.
Correct, got a hit and run.
Yeah, we did.
I just don't.
I don't feel.
Listen to the UniversalStaycation episode to hear all
about those details.
Yeah, I don't, I don't.
I've never been comfortabledriving a vehicle.
It freaks me out.
I get really, really reallynasty panic attacks when I get

(33:34):
behind a vehicle.
So I'm perfectly fine notdriving a vehicle.

Speaker 1 (33:40):
What would you say, like just ballpark, what?

Speaker 2 (33:42):
do you think?

Speaker 1 (33:43):
you spend a month on Ubering.

Speaker 2 (33:45):
So if I specifically there's been times where I won't
go, like I'll pick a month andI won't go anywhere other than
just to work just to kind ofsave some extra costs.
So if I'm going specificallyjust from my house to the office
, I run anywhere between about15 to 20 dollars per ride.
Now that's from my house to theoffice is an average of 15 to
20.
And then from my office to myhouse another 15 to 20.

(34:07):
So I rack on.
If we're going about $40 a day,I roughly work anywhere between
I don't know five to six days,so let's go five, just to be on
the safe side.
I'm looking at a week of about$200 a week.
I spend an Uber cost just to gofrom my house to the office.

Speaker 1 (34:24):
So you're spending about $800.
So in all reality here I'mcheaper than you are.
Actually I'm the same cost noin all reality we're about the
same cost because I've got $4.15plus $1.59 plus $30 a week.

Speaker 2 (34:37):
And that's only if I'm going to and from my office,
Like if I have to run to Targetor if I have to run to the
grocery store, or I mean if Ihave to get cat food, or if I'm
going to Disney World.
I mean a trip from my house toDisney World.
I mean a trip from my house toDisney World is roughly I'm so
sorry um, anywhere between 25 to40 dollars.
It just depends on, like, thetime of day, the season, um.

(34:59):
So I'm also though I do have topreference this, though,
because I am a Lyft member, so Ipay 10 a month and I get
discounts off of my rides, so Iget if, especially like if I
take I think it's like threerides a day they tack on like
15% off gotcha, so but I have tohit those three rides in order

(35:20):
to do that, and I don't averagea three ride, so I don't always
get that discount and, to behonest, since I've moved down
here in November, um like Idon't see you u Ubering, unless
it's to and from work.
Because a lot of times when youdo the grocery, shopping.

Speaker 1 (35:36):
You're going with your roommates.

Speaker 2 (35:37):
Or I get my stuff delivered.

Speaker 1 (35:39):
Yeah, or your stuff's delivered, or I mean, you and I
are fairly inseparable at thispoint.

Speaker 2 (35:43):
Yeah, we go a lot of places together.

Speaker 1 (35:44):
So we're usually.
It's mostly, mostly just forwork for you.
I know there was a case theother day like you started out
your day in an uber, but thenyou ended your day by me picking
you up at the store and then wewent places together and, yeah,
I think the most I've everubered or, I'm sorry, ever
lifted I can't, I don't know whyI say I.

Speaker 2 (36:03):
even when I lift I say uber, um, the most I've ever
lifted was when we first moveddown and I I was through like
interviews like crazy.
So I was literally Ubering forour lifting from one job
interview to the next, to thenext, to the next, to the next
and I think I did like six ridesin a day.

Speaker 1 (36:23):
Now let me ask you this, because I know a couple of
weeks ago you had said, yeah,you were debating getting a
vehicle next year, are you?
Still debating that, or do youthink you're gonna stick with
what you have?

Speaker 2 (36:33):
I think I go through phases you know where I'm just
like, hey, I think this is whatI'm I want to do.
I think the ultimate goal is toto obviously go back to to
driving a vehicle.
At this point I have to retakeall of those certifications
because I haven't driven avehicle in that long, so I have

(36:54):
to redo all of that stuff.
So that, to me, is what's kindof stopping me from doing that,
because that is giving me themost anxiety ever.

Speaker 1 (37:05):
Yeah, now I will say in Orlando we do have multiple
means of transportation, oh,110% Public transportation.
Um, in orlando they we do have,uh, multiple means of
transportation, publictransportation.

Speaker 2 (37:17):
My favorite that we've not participated in yet
because we just don't in thearea that we are, are the bike
share and scooter share programs, where you can rent the bikes
and scooters yeah, I think ifthere's ever a moment that, like
we move out of our apartmentcomplex and we move to somewhere
, that's like I don't want tosay more city adjacent, like
more city adjacent, but likemore in that city, city area,
where that's more of a thing.
I mean, I've had friends ofmine that have lived in like
downtown Orlando and that's howthey get to and from work and

(37:38):
from their house is they rent ascooter right outside their
neighborhood.

Speaker 1 (37:42):
I know I've toyed with the idea of getting an
electric bike, but I just don'tlive close enough currently.
I mean, I only live 12 miles,but it's 12 miles from a shady
part of town correct and it'slike I don't want to be on a
bike at one o'clock in themorning driving through that
area yeah um, now, I know, likesome of the places that you guys
have looked at recently, I'vebeen like, hey, that would be

(38:03):
like a nice biking place, likeit's super easy.
It's down really nice roads,bike lanes, sidewalks, all the
nine yards um.
So I hope that at some pointI'm in a place in Orlando that I
can bike around, because I'dlove to save on gas.

Speaker 2 (38:15):
Yeah, I think there's an idea that that could be the
thing, and I also am a firmbeliever.
I mean you and I've had thisconversation before that I don't
feel like you need to live hereoh, excuse me, the coffee's
coming for me.
I don't feel like you need tolive here and have to have a
vehicle Like.
We've had this argument acouple of times.
I have done this for so longnow that this isn't like.

(38:39):
This has become part of mycustom, and this was before.
Obviously, you know we havetiptoed around the fact that I
do make money.

Speaker 1 (38:45):
So when it comes to money, I also make money before
the money was being made do youmake money in your room?
I do you just print it all outyourself?
Yep, why are you not sharing?

Speaker 2 (38:58):
because it's I am listen, bruce gets all my money.
That's.
She's the ringleader what isthis?
The aristocats you got it toyour animal.
You got it.
Are you gonna make me thebutler?

Speaker 1 (39:08):
you're the chauffeur listen when I die that's who's
gonna get it countryside that'swho's gonna get it?

Speaker 2 (39:16):
um no, I I've been doing this for so long that it's
part of like.
I think that there's acomfortability level there that,
like, I don't have to rely on.
Like, if that, that that's tome more of it, because, with you
, if your car breaks down, whatare you gonna do?
Okay, yeah, now you're gonnastart lifting and ubering

(39:36):
everywhere, right, cool, that'snot a budget that you are
comfortable with.
Like, that's not somethingyou've already budgeted for
that's why you gotta be likedave ramsey and have that
emergency fund prepared that Ido not have see, for me that's
already in my budget, like I'dallocate already an amount of
money that I know was going toautomatically go to to my
transportation, so like.
And if it's something that likehey, all of our friends are

(39:59):
meeting at universal or all ofour friends are meeting at
disney world, I'm like, heywho's giving me a ride?
or hey, I will fill up your gastank.
I will throw ten dollars toyour gas tank and be like which.

Speaker 1 (40:10):
You do a lot because you're like I want to go here
and I go, I don't have money forgas, and you go.
I feel like a gas tank.

Speaker 2 (40:16):
And I do, and then we go there, and then you can't
say anything because it's true.
Your gas tank is brought to youin part by now, money being
printed by Bruce.
You're welcome.

Speaker 1 (40:22):
From transportation, let's move on to everyone's
absolute favorite, favoritegroceries.

Speaker 2 (40:30):
This is even worse for you and I.

Speaker 1 (40:32):
Yeah, this is not a fun one.

Speaker 2 (40:34):
No, this is also another one of those situations
that we are going to defer herebig time too, so according to
unbiasedcom, florida is thefifth highest spending on
groceries per week.

Speaker 1 (40:47):
That's crazy With a household spending an average of
$287, which I know that is not,which I know that is not right.
There's no way in the worldfamilies of four mom, dad, dad,
dad, mom mom and two kids arespending 287 dollars for three
meals a day plus snacks, that's,that would be a total of 1148

(41:10):
dollars a month on groceries I'mgoing to to talk about my
family here for a second.

Speaker 2 (41:14):
So I grew up in a five-person household.
It was me, my mom and dad andmy brother and sister and my mom
would go grocery shopping twicea month, on the first and the
15th, because that's when my dadwould get paid.
On the very first of the monthto the 15th that's a two-week
span my parents would drop downsix hundred dollars in groceries
for five people yeah, sothere's no way that's possible,

(41:34):
and that was that was the earlyto mid 2000s correct we're
living in the world of inflation, and that was with my mommy and
daddy making some bankyeah, and we were still buying
like meyer brand potato chipskids so for me it's a little
different.

Speaker 1 (41:49):
groceries for me over the years have been slightly
complicated, because I am oneperson, correct, and shopping
for one person is hard.
Because you buy a pound ofground meat, I make a pot of
spaghetti.
It goes bad before I can eat itall.
But at the same time I, aseveryone knows, I have had
issues with my diet and health,issues that have made it hard

(42:11):
for me at times to try to figureout, because I cannot eat the
diet your brother eats.
I cannot eat frozen Tostinos,pizzas and corn dogs and hot
dogs and frozen waffles everyday.
It literally kills me.
But at the same time, if I'mgoing out and I'm buying all
these fresh ingredients, they'regoing bad before I can use them
in a one household.
And several times I've lookedat my roommates and been like

(42:31):
hey, I'm gonna make this, do youwant some?
Tristan, occasionally, will eatwhat I cook because he will.
Krista, however, is eithervegan or vegetarian.
I think she's vegetarian,pretty sure it's vegetarian, not
vegan.
So she won't even eat chicken,like nada.
So, again, I am pretty tight onwhat it is that I want to cook

(42:52):
and what it is I want to make sofor me, just by myself and I
usually buy my staples.
I, for the most part, I get thesame stuff from week to week
and I just eat the same meals.
Um, I spend an usually ahundred dollars or less for one
to two weeks of food.
Now, if I make it to one weekand I'm out of something, I will

(43:15):
occasionally go like just toTrader Joe's and grab a few
things.
Or I go to Aldi's and grab afew things.
I stay away from Publix andWalmart's because they are so
expensive and I can go to Aldi'sand spend $100 and that'll
easily equate to $200 at Walmart.
What about you and I want tohear just you, not your

(43:39):
household, because I know youguys do a lot of your shopping
together yeah, so I willpreference, like I'll give you
both.

Speaker 2 (43:46):
how about that?
So when it comes to to oursituation here, I got I've said
it once and I'll I probably willsay it for the rest of my life
I got very lucky with myroommates, like my one roommate
is my younger brother and myother roommate is my best friend
, so-.

Speaker 1 (44:02):
And then your other we'll call them honorary
roommate Is my best friend'sgirlfriend, so love her.

Speaker 2 (44:08):
What a girl's girl.
But like the four of us tend tosplit our grocery bills all the
time.
So when we go grocery shopping,we go grocery shopping together
and everybody kind of goes.
So when we go grocery shopping,we go grocery shopping together
and everybody kind of goes.
Okay, who's dropping in theircard in?

Speaker 1 (44:21):
all right, cool, everybody venmo this person
everybody cash up this person orwhatever except for you don't
use venmo, because your accountgot hacked and you never fixed
it correct or a cash app.

Speaker 2 (44:28):
I'm a big fan of both , um.
So when it comes to that, we dokind of split our costs there.
However, when it comes tothere's times, though, I have
this horrible, horriblepersonality trait for myself
where I will see something andbe like oh my god, this is my
new obsession, girl, math.
It is where, like when youdecided that you wanted to to

(44:53):
gluten-free it for a minute, Iam very much diagnosed with
celiac disease and I was likeall right, all right, cool, I'll
do this with you.
And then I started eating glutenfree.
And then I was like, when I gotsick with my kidney, I decided
to cut out all red meat.
So I mean, I haven't had redmeat since December.
So, thank you very much.
But, like then, I'm dabblingaround going full vegan.

(45:13):
And then I went, like, alcoholfree I wasn't drinking for like
some odd times.
So my grocery bill jumps up anddown because I go through
phases where I want to try newthings and do new things.
So I also am one of thosepeople that, when it comes to, I
absolutely refuse to starve,like I will not pay my rent in

(45:36):
order to eat food, so I will.
that sounds really bad.
I pay my bills, guys, I swearto God.
But like I will.
There's always food in my house, Like.
And if there's not food in myhouse, then I am going to the
grocery store and putting myselfin a negative or pulling for my
savings to to pay for publicgroceries in my house.
So I, on average, we're lookingat anywhere between $300 a week

(45:59):
or $300 about every two weeksthat we throw to the grocery
store.

Speaker 1 (46:03):
So about $600 a month .

Speaker 2 (46:05):
Correct.

Speaker 1 (46:06):
Which is still less than what the average person is
what they're saying is theaverage.
Now that being said, we areboth of our households.
We are not households that makea full breakfast.

Speaker 2 (46:18):
Make a full lunch, a full dinner?
No, I also.
We are on our own for breakfast.

Speaker 1 (46:22):
We are mostly on our own for lunches, unless, like,
we're doing a podcast meeting oreveryone's off and we're
together it's also.

Speaker 2 (46:29):
I'm also one of those people, though, that lives off
of a cup of coffee, and I couldhave like maybe one meal and a
couple snacks a day, and I'd beperfectly content did you know?

Speaker 1 (46:36):
I've read that humans were designed to be grazers.

Speaker 2 (46:39):
Yeah.

Speaker 1 (46:39):
So we're supposed to graze.
So, like in the mornings, forme, I'm usually a cup of coffee
which I make at home.
Um, cause, screw paying forStarbucks in this world, um, and
then I will.
Occasionally, some mornings, Iwake up and I feel hungry, and
most mornings I wake up and thethought of food makes me want to
punch someone first thing inthe morning.
So I'll do like maybe a bagelor scrambled eggs, or I, I just

(47:04):
do something, you know, a little, a little light, um, but then
I'm usually starving bylunchtime and it never fails
that if I'm at work like, mylunch is not until like three in
the afternoon or later.
Um, so I'll grab like a rice,crispy treat or something extra.
I usually spend at work anywherefrom three to ten dollars a day
.
Um, because I don't take foodwith me, because I don't have.

(47:25):
I work at two differentlocations.
I cannot have food at either ofthem.
I'm, you know, I don't have adesk, like you don't have an
office, so I don't have like asnack drawer, the ability to
have a snack at my desk.
If I want, I have to be out ofmy work area, yeah, so it's just
easy for me to grab a drink ora rice krispie treat from the
concession stand that we have inour area and just grab it, and

(47:48):
that's usually, you know, one tothree dollars.
Um, so I'll do that occasionallyfor snacks and stuff too, but I
I don't even consider that whenI go through my monthly budget,
because it's just like lessthan ten dollars a month see for
me I.

Speaker 2 (48:01):
I'm always one of those people that like if
breakfast, like if you, if yousay that I'm at the house and
you make breakfast, cool, I'lltake it with me and bring it to
the office, but like other thanthat at my office there's a
Starbucks at my office, so Iwill, and this is gonna sound.
I don't know if this is gonnato sound bad, but, like, as the
boss of the restaurants that arethere, I don't have to pay for

(48:23):
those things.

Speaker 1 (48:23):
It's a perk of the job it is.

Speaker 2 (48:25):
It's a very big perk, so like I can have 1200 cups of
coffee a day if I wanted to andI wouldn't have to pay the
Starbucks ridiculous cost thatwe pay.
However, with that being said,that is not something I do every
day.
So, like yes, I have a cup ofcoffee every single day, but I
don't have a StarbucksFrappuccino.
I will have our drip coffeeyeah no, I'm not having those.
I have a drip coffee with oatmilk.

Speaker 1 (48:46):
One thing I did forget to say out of the two
jobs that I have, one job youcan buy a lunch or a meal that's
going to be anywhere from fiveto $8.
But my other job, they feed allthe employees because at this
company they've stated that theydid a whole thing when I first
started, but they were like.
You know, it's scientificallyproven that you work better on a

(49:08):
full stomach, correct?
So here at this company wechoose to feed you guys and give
you a full meal while you're onthe clock to ensure that you
can provide the best customerservice that anybody is going to
get in Orlando, because wedon't want you to have to worry
about getting through an eighthour or longer work shift while
you're hungry.

Speaker 2 (49:26):
Once upon a time I worked for a company that had
that kind of similar concept.
They would let their employeeseat the food.
But you know why they let theemployees eat the food?
To prevent theft.
Listen, you're not going, gonnasneak a piece of chicken in the
freezer, because I just gaveyou chicken with your whole
people yeah but I also it was.
It was fun because we would doa lot of family dinners like

(49:48):
that, um, but when I worked atstarbucks through when the we
were allowed to have unlimitedbeverages.

Speaker 1 (49:53):
If you work at a corporate starbucks, not a
franchise, you could haveunlimited beverages during your
work shift, as long as youmarked it out love it, the
pandemic hit and then theystarted to say you can have one
free drink and one free mealevery single day, whether you
worked or not, if you were astarbucks employee.
Because they realized a lot ofstarbucks employees would only

(50:14):
eat when they were at work inbigger cities.
After the pandemic was over,starbucks said you know what?
You guys have enjoyed this somuch for every work shift that
you work at a corporatestarbucks.
Now you get one free beverageand one free food item and it
can be a breakfast sandwich, alunch sandwich, it can be a
protein pack that they have inthe fridges love it one free
meal a day, so shout out tostarbucks there.

Speaker 2 (50:33):
Thank you, okay, where was I?
okay so we do.
I do a cup of coffee in themorning at the office and then I
will do like a meal.
It's either I'm if I do a meal,it's coming, potentially comes
from one of the restaurants, orit's coming from like.
I'll have something delivered,so I'll get like like or a lot
of the times, um, I have we goout of office to get lunch, so,

(50:57):
but like, I have a very goodrelationship with my boss and
the two of us will go and getlunch, but I have a very good
relationship with my boss andthe two of us will go and get
lunch outside of the office.
And that's covered by thecompany we work for.
But that's not an everydaything.
But it's kind of one of thosesituations where it just kind of
depends on the day.
But then I will come home andmake something light before I go
to bed, but that also just kindof depends on the day.

(51:20):
But there's days that, likewhen I'm off, I will maybe have
a meal a day and call it good.

Speaker 1 (51:25):
Yeah, I feel the same .
Do you want to talk aboutentertainment?
I?

Speaker 2 (51:28):
would love to talk about entertainment, do you?

Speaker 1 (51:29):
want to do, you want to do it.
Oh yeah, you want me to startthe florida average you want to
start it yeah, I will happily dothat.
I'll wait for you to pull upyour notes.

Speaker 2 (51:38):
They're up my face just didn't adjust because I've
got headphones on.
It was like you're not you.
So the average.
According to safeboundmovingcom, the average monthly cost for
entertainment in Florida is$161.17.
This includes the cost of goingto the movies, dining out and
other leisurely activities.
That's it.
Leisurely activities, that's it.

(52:02):
That's it.
That's think about this is forone individual, I know, and I'm
thinking of this, though, andI'm just like that's not.
I mean, it's probably close,but I don't think it's it's
fully accurate, because, inorder to do, I know, as somebody
who had, at one point, hadthree, I had all three major
theme parks annual passes I haddisney, universal and sea world.

(52:23):
Disney averaged between 50 to 60bucks, universal was between 50
to 60 bucks and sea world, Ithink, was between 20 and 30
dollars so well, we also.

Speaker 1 (52:34):
We have to consider this is that is, the 161 is for
the state of Florida, notnecessarily Orlando in general.
So I think that we fall here inOrlando in a special little
district because you can workfor the parks and get into one
for free.
And then I know, like if youwork for Universal Studios, you
get into SeaWorld for free, youget into Universal for free, but
you also get into SeaWorld andBusch Gardens in Tampa for free.

Speaker 2 (52:56):
Correct, and it's the same way if you work for sea
world.
If you work for sea world, youcould get into universal for
free but you do not get benefits, so that's a whole nother thing
.

Speaker 1 (53:04):
Yeah, work for those so, um, but yeah, so for us, we
well, both of us, for just us.
In general, we pay about 52 amonth individually for our theme
park passes, correct, um?

Speaker 2 (53:16):
but see you, and I defer though, because we defer
here just a tad bit you meandiffer?

Speaker 1 (53:22):
yeah, defer differ differ doesn't defer and differ
mean two different things Idon't know yeah, defer is to
like.
Well, I guess not.

Speaker 2 (53:31):
Anywho, continue, we are different here with this
because I have an annual pass touniversal that you have to pay
up front.
So my family, my dad, wasmilitary, so I cover I I the
military freedom pass.
I have the middle, thank you,and it is 200.
It covers the whole year.
No, nothing crazy, but you haveto pay that right away.

(53:53):
So it's not a payment process,so that's a cost that I don't
have to cover monthly, but it'sa cost If I want that that I
have to cover January one, so,and that's nice $200 where.

Speaker 1 (54:06):
And then for Disney, you have you and Rob you pay for
both of the passes Cause.
That's a gift that you give toyour brother for his birthday.

Speaker 2 (54:14):
I did.

Speaker 1 (54:14):
So do you both have the pirate pass?

Speaker 2 (54:16):
Yes.

Speaker 1 (54:16):
Okay, so yeah, do you both have the pirate pass?
Yes, okay, so, yeah.
So with disney there's afour-scale system.
You've got the pixie pass, thepirate pass, the something and
the incredipass I think it's thesorcerer's pass.
So, yeah, so, and it dependslike you get your benefits level
, your blackout dates, um wechose to we started to get the
pixie pass, but that had themost blackout dates and you
cannot go on weekends at all,correct?

(54:38):
So we decided to get the piratepass.

Speaker 2 (54:39):
It has the least amount of blackout dates that we
, but it's still the blackoutdates that, for the jobs that we
work, we weren't going to thoseplaces anyways, because we're
at the office.

Speaker 1 (54:47):
It's like, uh, between thanksgiving and
christmas we're pretty muchblacked out.
Yep um, which is fine becausewe're living at an office that
doesn't allow us to have thetime off for that anyways like
two days before and two daysafter fourth of july we're
blacked out like we're blackedout two weeks in the middle of
summer and I'm like I don't wantto go to the theme park, which
is fine but I also kind of likethe fact that we can go on

(55:08):
saturdays and sundays too,because a lot of people are like
, oh my god, it's gonna be sobusy on saturdays.
I'm like, but we don't go untillike six o'clock anyways,
sundays are kind of our day, butum, so I pay about 52 a month
for my pass, and here's, here'smy thing.
I want to preface this.
I say later here in thispodcast that I do live paycheck
to paycheck.
I do.
Did I need a disney pass?

(55:29):
No, I did not depends on whoyou ask.
I did not.
However, I and you know this forme because you constantly ask
me to go out with you guys to goplaces and do things, and I
always say no.
I prefer to just go home afterwork and hang out by myself and
do my own thing.
But I wanted more than anything, moving to Orlando, being able

(55:52):
to go to Universal and Disneyand all of these places.
It's what I wanted to do.
I go to Disney and unlessthere's something special like
the Tomorrowland backpack orwhat was the other thing I
bought- you can't say the cup.

Speaker 2 (56:05):
I bought that for you .

Speaker 1 (56:06):
No, it was something else in the past, but there are
things that I'll specificallysave up to buy, like the
Tomorrowland backpack.
When I go to Disney, we'reusually buying one bottle of
Coke.

Speaker 2 (56:24):
Disney we're usually buying one bottle of coke, maybe
a popcorn or or a mickey mickeyshaped ice cream.
We don't always eat at the parkhoney well, yeah, you, you
wouldn't say you talk about youwe don't always go and eat and
buy, buy beverages.

Speaker 1 (56:35):
No, now, occasionally we do, like you and I.
We have once a month that we goout, we go to a different
resort and we go to the bar, wehave a drink, maybe an appetizer
we go to one resort because welike their cocktails.
We go, we go to the grand flowand we go.
What?
What's the?
Enchanted rose we go to theenchanted rose and we have a
drink and we gossip and we catchup, but we do that once a month
now, that being said, I wantedto spend 52 a month for this

(56:59):
pass because it is mydecompression space.
It's where I go for myentertainment.
I don't go to the movietheaters, I don't go to bars all
the time.
I know we talk about STP, butwhen I go to STP I spend less
than $20.
This is my place.
I can go here and I can haveall the fun I want at four
different theme parks.
I can ride roller coasters, Ican watch shows, I can have all

(57:20):
the fun I want at four differenttheme parks.
I can ride roller coasters, Ican watch shows, I can interact
with characters.
All of this and it doesn't costme anything extra than my
monthly payment.
Correct, so that is totallyfine by me.
Outside of that, I havestreaming services, because I
spend all of my time at home.
I have Netflix, I have HBO Maxand then during Black Friday I

(57:41):
got the Hulu and Disney bundlefor less than $7.
So I spend in total about $30 amonth for streaming and I spend
usually around $60 or less,maybe 100 depending on the month
or if, like, we have friends infrom out of town and we go
somewhere special.
Um, so I spent about 142dollars there, and that doesn't

(58:03):
include my phone bill, which I'mgonna.
It's not entertainment, but I'mgonna go ahead and throw that
in an entertainment um.
I'm paying about 120 a monthright now, but that's because I
have my cell phone that I am inthe process of paying off.
I think I've got one or twomore payments left on it, and I
did get an iPad about a year agofor work purposes, from when I
worked at Frightworks.

(58:23):
I needed an iPad to do somework, but I wanted to have my
own, so I bought it as well on apayment plan.
Both of those devices are aboutto be paid off, so my bill is
going to drop below $100.
But it's round about that rightnow.
What about you?
What's your entertainment worldlook like?

Speaker 2 (58:40):
It's complicated because I cover costs of that
younger brother of mine at times.
So with our Disney passes I dohave the pirate pass, so I cover
both costs.
So, yes, it is specifically $52just for myself.
However, I do cover the youngerbrother of mine, so I look at
about $100.
It's roughly about a little bitover $100 for our passes

(59:03):
together and I cover both ofthose.
I don't have to cover my.
Universal Pass, becauseobviously it was already a
one-paid thing.
So that's not a cost, it's nota fee I have to worry about
anymore.
I don't pay for parking, so Idon't have to worry about
anymore.
Yeah, I don't pay for parking,so I don't have to worry about
any of that, because when I goto Universal, I walk or we go

(59:25):
after six o'clock.
I also don't.

Speaker 1 (59:30):
When we go to the theme parks, though, Our reel of
you and Rob in DreamWorks LandPreview has over a thousand
plays.

Speaker 2 (59:40):
I love that.

Speaker 1 (59:41):
Sorry, just had to share that exciting news.

Speaker 2 (59:42):
That's because it's a good reel.
Thank you.
Our social media is popping.

Speaker 1 (59:45):
Be sure you guys follow us at Orlando.
Underscore UnpluggedPod onInstagram.
I'm dead.

Speaker 2 (59:54):
So I also when we go to the theme park, though it's a
little different than when youand I go to the theme park, when
Rob and I go to the theme park.
When rob and I go to a themepark, it's a whole day
experience like yeah we, yes,we'll probably eat breakfast at
the house or we'll, like I'llget a coffee, coffee at the
house, but like it's an entireday experience.
So we're at least getting a mealand a snack while we're going
out now I'm not saying we'resitting down at like the fancy

(01:00:17):
restaurants and we're we'reeating at like uh, why can you
think of a fancy restaurant at atheme park right now?
Or at disney?
World, the cantina we're noteating at any of those places.
We're sitting at like umtamarland terrace and getting a
cheeseburger or um, like we, roband I.
We were just there about twoweeks ago and we sat in the tar

(01:00:37):
land terrace and um let's behonest, we always get casey's
corner when we go yeah, I reallydo.
I eat corn dogs, french friesand a diet coke, like that's
what.
Actually, if it's not cool,lately it's been that vegan hot
dog, so I do like that thing.
Um, but yeah, like I don't, Idon't really, I'm not saying
that, like I ball out everysingle time we go to disney
world but.
I definitely spend a little bitmore money when I go to Disney

(01:00:59):
because of the fact that I'm notjust covering myself as a cost
yeah um, or there's days thatlike if we're going, we'll plan
to go to Epcot and Epcot goesthrough their festivals quite
often.
So a lot of the times I'mhitting up a couple festivals,
um booths and we're trying thenew foods and things like that.
So, um, yes, when you know thetwo of us go off and when you

(01:01:19):
and I go off and we do our oncea month thing, it is a little
bit more of the the I don't wantto say like the splurging side,
but it's a little bougier.
You know, a cocktail at theenchanted rose runs anywhere
between 15 to 20 22.

Speaker 1 (01:01:32):
So which we also.
A lot of times we'll use girlmoney.

Speaker 2 (01:01:35):
Correct that money that, that cash money, baby, um,
which isn't something that likeI consider.
This isn't a.
I'm not budgeting for this.
This is it's.
That's fun things to do.
You know, like, obviously I'mmaking sure my lights are turned
on before we go and have girlmoney, you know, and get a
cocktail here and there, butlike I, I also am one of those

(01:01:58):
people that will.
My entertainment isn't going tothe movies and going to bars.
My entertainment is going to anew restaurant that to me is
cooler, or it's.
I'm trying a new dish to make atthe house.
So I'm going to go to TraderJoe's and I'm going to spend a
little bit more on somethingelse instead of doing that.
Or I'll hit up Whole Foods andget, or like when you and I are
together, and we'll do a lunchfor the podcast.

(01:02:19):
We're going to Kura and I'llcover that.
Or we're going to to Publix andwe're grabbing don't hit on
Publix sushi, guys, it's prettygood.
We'll go up and hit that andwe'll do that for lunch or
something like that.
So this isn't something though.
My entertainment is notsomething I do every day.
It's like I'll say I'll go toVivo and get like dinner and do
that, but it also to me.

(01:02:41):
My eating out, obviously, is alittle bit more than you, so I
average probably between 100 to$150 a month for my eating out
costs.
My park passes, obviously, area little bit more expensive.
I do not have an annual pass,as of right now, to sea world,
um, I just have an annual passto disney world and my my past

(01:03:03):
is to universal.
My streaming services are a lotmore expensive than yours,
though, because I do pay for myfamily's streaming services so
um.
I share streaming service withmy mom and my sister back up in
michigan um so I have.

Speaker 1 (01:03:18):
As Netflix said when online streaming became a thing,
password sharing is love.

Speaker 2 (01:03:24):
Correct, so I have Netflix, hbo, hulu, disney+,
espn I have.
Amazon Prime, and I'm missingone more.
Oh, I have YouTube TV as well,so I have all of those that's a
lot.
Yeah, it's quite a bit.
So, um, my streaming servicesare between 75 to 100, and that
does not include the fact thatevery once in a while and I say

(01:03:46):
every once in a while abouttwice a week that little brother
of mine has to buy a movie, andit's not.
He doesn't rent a movie, hebuys a movie and he knows big
sis's credit card is attached toit.
So he'll be like ashley, guesswhat we now own?
Like what do we own?
it's like you have all thesestreaming services did you have
to buy I'm like is ittransformers 2 on hbo that you

(01:04:08):
could just watch?
Yeah, but it could go away yeah, that is very true.

Speaker 1 (01:04:11):
Okay, uh, do you get?
Do you have anything else?

Speaker 2 (01:04:14):
I don't I also have to add in a cost that you do not
have, though I have a cat, ripI used to have a cat.
You have a cat, your Bruce'suncle Dusty it's fine.
But so my cost?
I don't know where that wouldfall into, but my cost is a
little bit more expensive,obviously because I have a cat.

(01:04:34):
I have Bruce has insurance, soI pay $30 a month for Bruce's
pet insurance.
Um, her cat food runs me about$60 a month, cause it's about
$20 a bag and that lasts meabout two weeks.
Um, obviously, her water isfree, her filter for her
filtration system.

Speaker 1 (01:04:50):
That would be about $40 a month.

Speaker 2 (01:04:53):
if it's $20 a week, Well it depends on the weekend,
depends on how many people arefeeding her, okay, okay, um, she
has a water fountain and thefiltration that's in there costs
me, um, about 15 for thefilters that are in there, and
then her cat litter runs mebetween 11 to 15 bucks,
depending on if it's on salethat week.
Um, and I change that out aboutevery two weeks.

(01:05:15):
Yeah, um, so yeah, and then youknow, when she got sick because
she didn't like her waterfountain, that I originally
bought and had a uti, that was afun cost I wasn't planning to
pay for yeah so it just kind ofdepends.
But I do have to pay anadditional uh cost for my
apartment complex, though,because I do have a cat.

Speaker 1 (01:05:34):
So yeah, you pay pet.
I pay pet rent, which, for therecord, it's out there.
There's protests, there'spledges.
Go sign those freaking thingsand ban pet rent.
That is ridiculous.

Speaker 2 (01:05:46):
It's so ridiculous, because I'm telling you You're
gonna make us pay anon-refundable pet deposit and
then also pay rent for the petStupid.
I think it's ridiculous becauseI'm telling you there is.
I have a cat that is cleanerthan most humans.
I know.
That's all I have to say tothat, Thank you.

Speaker 1 (01:06:02):
Now, is that all your entertainment cost?

Speaker 2 (01:06:04):
No, because my phone bill, though, is a whole
situation.

Speaker 1 (01:06:08):
Oh yeah.

Speaker 2 (01:06:08):
So I run about $250 for my phone bill a month.

Speaker 1 (01:06:15):
Is it just you on your plan?

Speaker 2 (01:06:17):
Me and two watches.

Speaker 1 (01:06:20):
Dang girl Mm-hmm.
That's sad, but are you alsopaying for the devices, or are
you just paying for the serviceon the devices?

Speaker 2 (01:06:30):
Just the service.
Okay, just the damn service.
It's $250.

Speaker 1 (01:06:36):
Yeah, I mean it's about $ 20 a month per line that
you have, and if you have anapple watch that uses cellular
data, I do, that is I used tohave that.
I paid my watch off and I shutthe service off because I was
like I don't use my watch as aphone enough because you can't
hear anything.
I had it I used to be an eventcoordinator and I'd leave my
phone everywhere yeah, so it wasgreat.
my clients could call me aconvention center.

(01:06:56):
I could never hear my clientsand I would have like the watch
up to my ear trying to hear them, and then you have to pull it
down in front of your face.

Speaker 2 (01:07:03):
Well, see, I run with , if that's the case, because I
do a lot of my job is a goodchunk of it is on my phone.
My email contacts situation isis linked to my cell phone, so,
but you also get a stipend fromwork in your salary, do you?
Not very small stipend.

(01:07:23):
Thank you, company.
I work for um, but uh, when itcomes to to my phone, I leave my
phone everywhere.
I lose my phone constantly.
Every single person in myentire house is aware of this,
but I put my my.
I pay for my watch because Iwill have my airpods on me at
all times yeah so my airpodsconnect to my watch.
So if somebody calls me and myphone is gosh knows where, I can

(01:07:44):
plug in an airpod and I'm goodto go.

Speaker 1 (01:07:45):
Yeah, I can still hear you uh, now, a good thing
that I want to talk about, aboutflorida.
It's not in our notes, so I'lljust read it off right here.
Um, so, as you know, florida ishome to hurricanes yes, they
are, they are.
Lots of hurricanes and rightnow, while we are actually
recording this, we are in themiddle of a sales tax holiday.
It is the first Floridadisaster preparedness sales tax

(01:08:07):
holiday, which runs from June1st to June 14th.

Speaker 2 (01:08:10):
I love it.

Speaker 1 (01:08:10):
And during this time, qualifying items related to
disaster preparedness are exemptfrom sales tax.
Items related to disasterpreparedness are exempt from
sales tax, so items likeflashlights and lanterns that
are 40 or less reusable, icecosting 20 or less, radios 50 or
less, tarps and ground anchors,or like tie down kits costing
100 or less, coolers, portablepower banks costing 60 or less,

(01:08:33):
batteries and fuel tanks costing50 or50 or less, smoke
detectors, fire extinguishers,carbon monoxide totaling $70 or
less, or generators costing$3,000 or less, and there's a
full list of eligible items thatyou can actually participate in
this, and they're going to haveanother sales tax holiday
running August 24th throughSeptember 6th.

Speaker 2 (01:08:57):
And this means what honey?

Speaker 1 (01:09:00):
This means we're preparing for hurricanes.

Speaker 2 (01:09:02):
No, this means if you purchase any of those products,
you don't have to pay the salestax on it.
Oh well, yeah, it's a sales taxholiday yes, but you forgot to
tell them what that means.

Speaker 1 (01:09:10):
Oh well, where I come from when we live.

Speaker 2 (01:09:12):
People understand that, but up in Michigan people
don't know what that means.

Speaker 1 (01:09:15):
Tennessee understands it because we have a sales tax
holiday at the beginning ofevery school year season right
no it's just the beginning ofevery school year oh, really
yeah so um clothing, technologyand school supplies are all tax
free for a weekend well, let mejust like run up there real
quick what's well.
What's sad is the line at theApple Store will be two hours

(01:09:36):
long, because any person canwalk in there and buy a Mac
computer and not pay sales taxon it.

Speaker 2 (01:09:43):
I'm about to do that so even though it is designed
for.
Tennesseans.

Speaker 1 (01:09:47):
Well, it's designed for students.

Speaker 2 (01:09:50):
What do you guys call yourselves out there?
Are you Tennesseans?
Is that what it is?

Speaker 1 (01:09:54):
Yeah, like Floridians , Tennesseans.

Speaker 2 (01:09:57):
Michiganders.

Speaker 1 (01:09:57):
That's what michigan people are let's talk about the
most adulting thing in thiswhole topic, but yes, and it's
the, the grossest one, thatalways takes everyone a hard
time to understand, and it'shealth care, yep.
So this is what I foundinteresting.
So, according to forbes, whichwe all know is very reliable, um
, it is.
Florida has the highest averagepremium for residents, with

(01:10:20):
family health coverage throughan employer, costing seven
thousand two hundred and fiftyeight dollars annually.
And you want to know why that'sdisgusting my friend edward in
the uk pays zero dollars a yearfor his health insurance I know
um so a single employee.

Speaker 2 (01:10:38):
Do you need people to live with you?

Speaker 1 (01:10:40):
well, he's moving to the us.
He's getting married soonseptember 11th he'll be an
american citizen oh boy um, so asingle employee.
Now, keep in mind that a lot oftimes your employers pay in on
one half um, so a singleemployee.
They're gonna.
Their cost is going to be abouttwo thousand six hundred and
forty dollars a year.
That is going to be about um ahundred and ten dollars, I think

(01:11:04):
.
Is that weekly?
Yeah, I think I'm.
I think.
I think I meant bi-weekly,probably weekly every two,
because most people get apaycheck every two weeks.
Um, and then for two adultswith no children, the cost is
six thousand two hundred andninety six dollars a year, which
is 262 every two weeks that'scrazy it's sad, but here's an

(01:11:25):
even crazier part.
Tell me I pay 60 and 78 centsevery two weeks out of my
paycheck.
My employer pays over 200 everytwo weeks for my insurance.
Love that for you, but with that.
So I'm paying about $1,400 anda half $1,458.72 annually.

(01:11:45):
And then I have health carethrough Anthem.
I have dental coverage throughCigna.
I have vision insurance throughVision Orlando or Viz Orlando.
I have basic life insurance.
So if I were to die, mybeneficiary will receive a
minimum.
I think it's $25,000.
Thank you, you're not, I'msorry.
And then I also have basicaccidental death and

(01:12:09):
dismemberment, which is going tobe a year's worth of my salary.
Love that, and then there is anemployee assistance program that
my company has where I can getassistance through my company
and through the company of theinsurance for other various
things and needs I love that foryou what about you?

Speaker 2 (01:12:28):
I pay about 71 dollars bi-weekly, um I think
the the actual total is 71dollars and 15 cents um I'm
looking at an annual cost ofabout $1,900.
I have health and dentalthrough Aetna.
My vision is through anythingLike I have the ability to go
anywhere but, I, don't know whatit's called Like I don't know

(01:12:51):
who the main provider is to that.
And then I have what's throughmy company.
I have what's called uh, I, Igot to opt into a couple things
um so did I.

Speaker 1 (01:13:02):
I chose to not opt into what you are about to talk.

Speaker 2 (01:13:04):
I opted into this because, as somebody who has,
who had a pretty nasty thinghappen to me at the end of last
year, I didn't know what thatwas going to look like for me.
So I was kind of like, hey,let's just do it, just to be on
the safe side.
So I have what's calledcritical illness insurance.
So that means that if I gethurt, if something happens, if
I'm in the hospital for a periodof time, I don't lose pay.

(01:13:26):
And then my company has what'scalled the self-add employee
assistance program.
So whatever I put into it, theymatch it.
So a health savings accountessentially basically yeah, so
something were to happen, um Iget, I have money put in there,
um I also I don't know if wewere supposed to did you, did
you?
I don't have.

(01:13:47):
I have, uh, life insurance, butnot through my, my job, I have
my own life insurance.

Speaker 1 (01:13:52):
Gotcha, I've had life insurance since that daddy of
mine I had, I used to have lifeinsurance like I had an
additional policy insurance.
Since that daddy of mine I had,I used to have life insurance
like I had an additional policyoutside of the basic life that I
have um and that was, and I hadit because I didn't want my
family to have to like struggleif anything were to happen to me
yeah and then I was told theywere like you know, when you, if
you die, like your next of kinis not responsible for your

(01:14:15):
debts or your car and I?
I didn't.
I honestly to god, I did notknow that I thought that I
thought that they would go foryour family, because you watch
movies and stuff as a kid andthat's yeah sorry, says she's
serious um.
But when I found that out I waslike, oh well, I don't need an
additional.
If I get twenty five thousanddollars, that's going to cover
my funeral.
I don't't need an additional$100,000.

(01:14:36):
And while you know if, if Iever get married or I'm living
with a significant other, I willtake out $100,000 life
insurance policy, because ifsomething happens to me, I want
that $25,000 to pay for myfuneral costs or expenses or
whatever.
But then I want them to havemoney to at least pay for their
housing for a year if we'rerenting, or to figure out what

(01:14:57):
they want to do and give themthat time if they need to take
off time from work to grieve.
They don't have to worry aboutpaying bills.
But that's not a thing that Ihave right now see, that's what,
what I.

Speaker 2 (01:15:10):
I have to go back and fix it, but that's what I had.
I have, I have actively, I havelife insurance that has
somebody getting it as abeneficiary.
So, um, but it was somethingthat I had outside of the
company after, outside of this,I have it a third party or
whatever because when my dadpassed away, um, obviously the

(01:15:32):
military was a big chunk andplayed a big factor in like all
of his funeral costs andeverything like that.
But then it was something that,like, I wanted I needed
something to like distract myhead with for a minute.
So I deep dived into that sohard that, like, I was like, oh,
the average funeral costs thismuch money.
Okay, great, no matter what.
Like, in a lot of companies,don't always give you really

(01:15:53):
good life insurance.
So I was like, don't alwaysgive you really good life
insurance.
So I was like I don't needsomebody who, at the time, the
situation with our finances werevery different.
So I was like I don't, I don'tknow.
This was an unexpected death,my dad.
What happens if I run?
I lock myself in a freezer andfreeze to death?
Like that could happen, oh mygosh.
So I was like this is it, my,this company I'm working for, oh
my God, they're're not gonna beable to cover any of these

(01:16:15):
things, and I freaked out reallybad.
So I was like, nope, I have alife insurance policy that is
ridiculously high, but it'sspecifically because I don't.
I wasn't.
Nobody was anticipating my daddying the way he died, or at the
fact that he was going to dielike that.
So I was like nope, I want to beprepared, just in case when it
comes to your, but now I'm goingto change it and bruce is going

(01:16:36):
to get all my money.

Speaker 1 (01:16:37):
Listen, there's a lady that did that when it comes
to your health insurance yeswhen you go to a doctor's visit
yes you go to the doctor'soffice.
Um, I'm sure most insuranceplaces you're preventative so,
like your yearly physical,that's automatically covered,
correct?
If you get sick, say you getstrep or whatever, you go to the
doctor's office.
Yeah, are you paying?
A certain percentage, or areyou paying a copay?

(01:16:59):
I pay a copay, you pay copayyeah, I'm pretty sure I selected
the copay option.
I have two.
There were two differentoptions and I don't remember
which one I selected right now,which is bad, but I'm pretty
sure I have the copay one so mybasics are covered.

Speaker 2 (01:17:10):
So like that physical , that exam, that, anything like
that, and that's covered forboth your dental and for my
medical.
So those two things so like youhave to have a yearly dentist
work done yeah and then youcheck up, check up, thank you.
And then you have a yearlydoctor's checkup you're cleaning
and your physical and then whenit comes to the physical, this
includes my physical wouldinclude, like any blood work

(01:17:33):
that had to get done as well, sothat includes.
Correct Any of those kinds ofthings that's included that I
pay nothing for.
If I need to have, like if I goto the dentist office and I
need to have a root canal cavityfilled, I need to get adult
braces.
If something happens like that,I pay a copay or I pay like if
something like if it's anextreme thing if I have to get a
teeth pulled or braces.

Speaker 1 (01:17:54):
I have to pay, you pay a certain percentage.

Speaker 2 (01:17:57):
A have to get a teeth pulled or braces, I have to pay
a certain percentage.
But if it's or I can pay, ifit's a regular appointment
outside of my annual appointment, I pay a co-pay yeah when it
comes to the doctor's office.
That one's a whole annoyingsituation because if I have to
have any surgery, that's when Iwould pop into.
That's why I opted for mycritical illness coverage
because, that critical illnesscoverage covers that entire
thing, so I don't have to coverany of that.

Speaker 1 (01:18:17):
If.

Speaker 2 (01:18:17):
I have to go to a specific doctor.
So like if I get referred tolike I struggle with a really
nasty knee that doesn't like meat times.
So like if I get referred to aknee doctor I will pay a copay
to be seen, but the criticalillness covers the surgery if I
have to have it.

Speaker 1 (01:18:34):
Interesting, yeah, so here is our call to action to
you guys this week.
We want to know from you guys,when it comes to health
insurance, what do you prefer.
Do you prefer having a copay ordo you prefer the out of pocket
up to your premium for the year?
Don't forget click that linkjust below the description or
just above the description inthe show notes.
Text us and let us know youropinion.

(01:18:56):
What kind of health insurancedo you like and what kind of
health insurance do you not like?

Speaker 2 (01:18:59):
what is your eye insurance like, though that's
the one I want to.
I want to know.
What does that look like?

Speaker 1 (01:19:04):
I don't know I'd have to go look at it.
Oh, I don't, I don't go, I lovemy eye.

Speaker 2 (01:19:08):
well, as somebody who is very blind, I love my eye
insurance because you what eyeinsurance does is it covers I.
It's ridiculously cheap too thebreakdown and you have to do.
You get to go to the eye place,get your eyes checked, get your
eyes seen, and you get a newpair of glasses and I walk away
spending maybe 200 bucks.

Speaker 1 (01:19:27):
Well see, I don't really have eye problems as much
.
I can't see I got it because Iwant to go get checked, but I've
still never been.
I should go.

Speaker 2 (01:19:34):
I love my eye doctor.

Speaker 1 (01:19:38):
But checked but I've.
I've still never been.
I should go.
I love my eye doctor but, guys,that that is pretty much it.
That is how we made a not sofun topic topic and told you
about our lives and let you knowI told you I was gonna let
dustin make it boring yeah, now,at the end of the day, it is
hard to calculate.
Each household is going to bedifferent, each person is
different you may have plenty ofother variables in your life

(01:19:58):
that are going to affect howmuch your cost of living is
going to be, no matter where youare in the world, whether
you're from Knoxville, tennessee, you're from where?
In Michigan?

Speaker 2 (01:20:06):
I'm a comb Right outside Detroit.
Let's just say Detroit.

Speaker 1 (01:20:09):
Detroit, michigan, orlando, florida.
It is really, really hard tocalculate that.
You know, in full transparencywith everyone.
You know I've talked about itseveral times on the show when I
moved down here, I did not havea job for over a month.
It was three weeks before I gotthe job, another two weeks

(01:20:29):
before paychecks started rollingin.
So I have been living paycheckto paycheck down here.
I saw a decrease of 48% in myyearly salary when I moved to
Florida.
Now, that being said, I wouldnot change it for the world.

Speaker 2 (01:20:43):
I'm in the city that I want to be in.

Speaker 1 (01:20:46):
Well, if I was back home in Tennessee and I had to
remake this decision, knowingexactly what I know now, I'd
make the same decision to bedown here, because if I wasn't
down here, I wouldn't know you.

Speaker 2 (01:20:56):
We wouldn't be besties.

Speaker 1 (01:21:02):
And that decision to be down here, because if I
wasn't down here I wouldn't knowyou.
We wouldn't be besties, andI've been fortunate, though.
I took that leap of faith and Ialready had some friends down
here.
I have met a whole nother slewof people that I know always
have my back.
I know that if you got, if Ifall into a problem, I know that
I can call on Ashley.
I know that Ashley will call onShan why am I not surprised?

Speaker 2 (01:21:23):
this is gonna get brought up.
Listen my mother's.

Speaker 1 (01:21:25):
Like I already said, that I'm in the will for
providing child care assistancefor both of her children and
making sure that you two, don'tbecause you're old it is um.
But that being said, you knowI've learned a way to make it
work again, and I am, and I knowthat there are, as Dolly says,
brighter days ahead and there isa silver lining out there.

(01:21:46):
That being said, I'm not likepoor.
If someone does want to Venmo,or cash at me $2,000 to fix the
air conditioner in my car, orcash at me, uh, two thousand
dollars to fix the airconditioner in my car.

Speaker 2 (01:21:59):
That would be greatly appreciated.
Listen, we'll put your cash appand your venmo account in our
next social media posting foreverybody let's do it I'm dead
what do you got to say, ashley?
I don't know, dude.
You know I I this was my lifecurrently was not in a situation
I ever anticipated being in um,so I had some pretty big of a
balance.
You know, like I didn't expectto be back to Florida, I didn't

(01:22:21):
expect to be doing this,especially not just being back.
But I don't want to say like bymyself, because obviously I'm
not doing it alone.
My mother does, you know theiconic Shanda's help as much as
she can.
But I'm also a situation whereI was given an opportunity and
I'm grateful for the opportunityI have.
That allows me to kind of coversome things.

(01:22:42):
If I need to, I'm able to bailout that brother.
If worse comes to worse, I'mable to bail you out if you need
it.
I'm also one of those people,though that's very.
I've watched my family gothrough a moment where there
wasn't money.
I've watched my family gothrough a moment where there was
a ton of it.
So I understand what the valueof a dollar looks like, but I
also understand what it's liketo spend money like a big girl,

(01:23:03):
because I've got big girl money.

Speaker 1 (01:23:06):
Ooh, big girl money.

Speaker 2 (01:23:08):
Bruce, she be printing it off, dude.
It's one of those situations,though, where I am grateful that
I'm able to do those things,because for a period there,
people had to help me and had toto pull it out.
So I like to say that, you know, I put good karma, was put into
the world when people help me,so it's my job to put it back in
the world and help other people.
So, yes, as much as I have aweird situation and a situation

(01:23:34):
I never anticipated having, I ambeyond grateful for the fact
that that the situation that I'min is one that I'm not struggle
bussing as hard as I could have, but it also is a pretty big
give and take.
You know, yes, I have big girlmoney, but I am very much
addicted to my job.
I'm in a full relationship withmy job.

(01:23:55):
So, as much as everybody's like, oh, this is so great, she can
cover two bills and she cancover dinner and pay for dinner
for a couple friends.
Yes, but dinner at a couplefriends.
How many times did I pick upany a phone call or an email or
a text message and and do allthose things?

Speaker 1 (01:24:10):
so we won't get into that.

Speaker 2 (01:24:13):
It it has its moments , it has its give or takes.
But listen, I'm just a girlliving my diabolical lies out
here.
Just a girl.
So yeah, I'm doing great heyhey I love it.

Speaker 1 (01:24:26):
Well, guys, thanks for joining us this week.
Uh, like we said, we lookforward to coming back to you
guys throughout this month withsome very special guests, with
us in the studio.

Speaker 2 (01:24:34):
I can't wait.
I'm ready to tell them that Iam an ally for them.

Speaker 1 (01:24:38):
I'm an ally, An ally.
So guys, don't forget.
You can follow us on all of ourforms of social media if you
head on over toorlandounplugpodcastcom.

Speaker 2 (01:24:47):
That's going to be Instagram, twitter, facebook.
You can find all of those linkson our website at
wwworlandounplugpodcastcom, atwwworlandounpluggedpodcastcom.
But be sure, listen, our stuffhas been popping off lately.

Speaker 1 (01:24:59):
It has been.

Speaker 2 (01:25:00):
Yes, we've got some photos.
We've got some things.
We've got somebehind-the-scenes photos of
stuff, so be sure to check allof that out.
You can also like Dustin and Italked about last episode and
this episode.
You can text us now.

Speaker 1 (01:25:14):
Yes, do it, it's so cool.

Speaker 2 (01:25:18):
Oh my God, we love it .
So, whatever.
So, whatever platform you'relistening to us on, so if it's
spotify, apple, amazon, any sortof platform, um, even if you're
listening through us throughbuzzsproutcom, you can just hit
that text us button.
That's right on there.
Text the show.
Text the show.
Let us know your thoughts, letus know if this was a boring
episode and destin needs to dobetter at coming up with a
better topic.

Speaker 1 (01:25:35):
No, they're supposed to let us know which type of
health insurance they like.

Speaker 2 (01:25:37):
Or that too, but, as always, please make sure that
you're sharing this podcast withyour friends, oh, no, ma'am,
two weeks in a row you've donethis.

Speaker 1 (01:25:47):
Okay, what do you want me to say first?
All right, guys, until nextweek, stay safe, stay educated.

Speaker 2 (01:25:52):
I'm so sorry.
Be sure to share this with yourfriends, your family and, of
course, your favorite bartender.

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