May 9, 2025 • 21 mins
We talk gnats, finances, and Juanita is back to talk ish about how everything is a competition.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
It's Friday, Friday, mother fucking Friday. Lena made a song
about that. I think did she did Lena do its
motherfucking Friday?
Speaker 2 (00:10):
It would have I think it would have been Lena
because it came out when I was in like, uh
a senior in college or junior, and Lena was on
the show at that time.
Speaker 1 (00:19):
Okay, That's how I know it came out around that
time because she also did Dave's Friday Night then and
was all basically making fun of like how I don't
do anything on a Friday night. And this is what
I've learned is, you know, as you go through life
is like, you know what Friday nights at home on
the couch with a pizza or door dash. They're great,
(00:42):
They're awesome, they.
Speaker 3 (00:43):
Are really lovely.
Speaker 2 (00:44):
That's gonna be my weekend because I'm getting this laser
treatment done in my face. So I'm going to be
hiding in the shadows of my house all weekend, and
so I will just be sitting around doing nothing.
Speaker 4 (00:54):
What are they doing to your face?
Speaker 3 (00:55):
You know, just burning it off, really.
Speaker 4 (00:57):
Starting over again? Yeah, throw a new one.
Speaker 3 (00:59):
Yeah exactly.
Speaker 2 (01:00):
Uh No, It's it's called the Broadband Ladies that are
light therapy and then also a moxie treatment. It's a
combo thing that they do together. And to be honest,
I don't know exactly what it does, but it pulls
out the pigment. Because I've told you before, there's like
the some spot I get on my cheek that I'm
really self conscious about now and for a while I
thought it was cancer. It's not there anymore, because I
had to say it's not there yet. Yeah, So it
seriously works miracles. It's like it always was, like right
(01:22):
here on my cheek.
Speaker 3 (01:23):
I'm pointing to it. Obviously you're listening, you know what I'm.
Speaker 4 (01:25):
Putting right there, but right under her left eye.
Speaker 2 (01:28):
But I got this done once in the last few months,
and it really pulled the pigment out. But then it
just helps with like collagen pores all that stuff spot
and it works.
Speaker 3 (01:37):
I'm telling you.
Speaker 2 (01:38):
You can like see it in real time over the
course of a week as your skin heels the pigment
like being pulled out.
Speaker 3 (01:44):
It's so crazy to watch if you have.
Speaker 1 (01:46):
Some spots, Okay, interesting, Yeah, that's I've never noticed that
on you, and I've never noticed until just now at
this moment that.
Speaker 4 (01:53):
You have a little mole right there?
Speaker 5 (01:57):
Is it?
Speaker 4 (01:58):
Yeah?
Speaker 1 (01:58):
Oh yeah, this is it. I was going to say,
I've never noticed had a little mole there. That's interesting
because you don't usually get zits.
Speaker 2 (02:04):
Oh I do get zits, But honestly, I don't know
that it was is it. It was one of those
things where I think it was a bite of sorts,
and I went after it and made so now it
definitely stands out a little bit more than it probably should.
Speaker 1 (02:19):
Well, there's the update on Jenny's skins. So let's dive
into the emails and here we go. Hello, friend, says
Beth from North Branch. Last time I wrote in a
couple of years ago when I found out that Dave
also had a grandma, Helen. Hearing Dave read my tribute
to my Grandma Helen and hearing about his grandma honestly
made my year that year as I was struggling with
(02:40):
postpartum depression, and to this day, the memory of hearing
that podcast for the first time still means so much.
You guys keep me saying some days while I fight
to survive keeping up with a two year old and
a six month old. Wow, I swear my girls both
know Dave's voices. I've listened to you throughout my pregnancies
and whenever we're in the car. My two year old
recently started repeating after me in the mornings when I say, hey, Alexa,
(03:02):
play KATIEWB. Hopefully ours doesn't please do it right now?
Speaker 2 (03:05):
No?
Speaker 4 (03:05):
She did not?
Speaker 1 (03:06):
Okay, good, and I had to share a cute clip
of her saying KATIEWB, Happy Friday and have a great weekend.
So I found the clip and I think I got
it ready to play. Here we go, and of course
it's not working, so that just might be. She sent
me like a little like a phone clip, and I
tried to play it and I thought the audio would
come through, and it did not. But that is adorable.
(03:28):
Thank you, Bess Neched What this says? Anybody know how
to get rid of those awful gnats that are everywhere
right now? I've never experienced this level of ridiculous from
biting gnats. My poor kid is full of weltz, and
so am I. They're flying around us, they're biting us.
Even our poor foster dog has so many bites on
(03:49):
her belly. If anybody has a special trick to get
rid of those gnats, let me know. I'd love to
have some time back outdoors. I don't ye, I don't
notice them, honestly.
Speaker 3 (04:00):
I wonder where they.
Speaker 2 (04:00):
Live because it is that season right now. And I
remember being up in the North Shore last year at
this time and the nats were just starting to come
out and it was like impossible to do hikes, almost
betacked in certain areas.
Speaker 3 (04:13):
Yeah, but I yeah, I don't have a solution. I'm sorry.
Speaker 1 (04:17):
Uh, we're taking the van, the camper I say, camper
van is not a camper vent. We're taking the RV
out this weekend. And there was no there was no
bugs last week. Yeah, because it was chilly enough the
bugs weren't out. There's no mosquitoes really yet, although something
bit me on the leg the other day could have
been a mosquito. But I guess that's one thing we're
gonna have to learn to deal with with the camper
is keeping the bugs away and keeping them out of
(04:38):
the RV.
Speaker 3 (04:39):
Okay, I need to send you.
Speaker 2 (04:41):
I'm going to look at it right now because there's
something that you use. It's I'm trying to figure out
how to describe it, but basically, it expels this substance
into the air and keeps bugs away. But I have
two of them for when I go on camper van trips. Okay,
it's a mosquito repellent thing, and honestly, I'm pretty sure
listeners recommended it to me last summer and it works
really well and I use it on my deck and
(05:01):
stuff too, But I gotta figure out what it is.
Speaker 1 (05:03):
Okay, send it to me, because yeah, I mean, you
got your bug spray, but you know they're going to
get inside the camper and then I'll be running around
with a fly swatter trying to get these mosquitoes. So
next one, Sarah writes in she says, Dave, I'm so
excited that you've got your RV. I've heard you share
a few times that you're cautious to talk about the
purchase because it feels boastful. But I agree with Jenny
(05:26):
that you worked really hard your whole life and you've
earned the ability to enjoy your money. I appreciate that
you're offering a perspective that is not talked about right now.
Even though life is more expensive right now, you seem
to be weathering that because you've been a conservative spender
your whole life. Definitely a conservative spender. Jenny and I
have that in common, and probably Bailey too. Growing up
without a lot of money, you're used to not buying
(05:49):
expensive things. And I remember one when I was about
twenty eight years old, I got let go from a
radio station that was changing format and they had to
pay off the rest of my contract. And the rest
of my contract was forty four thousand dollars and I
got a check for forty four thousand dollars. I was
(06:11):
twenty eight years old. Wow, Now this was money that
they would have owed me had I worked there for
the next you know, like I don't know whatever it
was a year or whatever it was. And there was
no question I was not going to buy a Mustang. Yeah,
I was not going to buy a boat. I was
not going to buy a whatever a Rolex. I put
(06:31):
it in the bank and to this day it's still there.
Speaker 4 (06:34):
Gee.
Speaker 1 (06:34):
I mean I've never touched that, you know, we've never
spent down to forty four thousand, so I can say
it's still there. But yeah, I think that's one of
the things, is like, what are you waiting for? My
husband and I are in the same boat. We're thirty eight,
we have three boys, We've worked our whole lives. We
don't spend beyond our means, and we focused on saving.
I am a frugal spender and love looking for a deal.
(06:56):
All of that has put us in a position we're
on track to move into our retirement careers at fifty.
Speaker 4 (07:02):
Wow.
Speaker 3 (07:02):
Good for them.
Speaker 1 (07:04):
We each have one hundred and seventy thousand in our
four to oh one case, So between the two of
them they have is that thirty four thousand dollars. We
max out contributions to our roth iras each year and
have about seventy five thousand invested and then fifteen thousand
cash on hand for emergencies. Our only debt is our
mortgage of two hundred thousand. My husband graduated college with
(07:25):
a seventy thousand dollars student loan debt and we paid
that off on our own. We make way more per
month than we need to spend to survive even raising
three kids.
Speaker 4 (07:36):
Wow.
Speaker 1 (07:36):
Okay, that's impressive. That is not the reality for anybody
else in my life. I feel guilty about it all
the time. We are not rich by any means, but
we are happy that we have with what we have,
and the peace of mind for our financial future. We
are able to plan our summer vacations despite the rising
cost of living. The vacation is not super fancy road
trip into North Carolina for the boys to see the
(07:58):
ocean for the first time, but it's way more than
what I got to do as a kid. We are
able to provide a really comfortable life for our kids.
Why do I feel guilty about that? I think it's
because you see other people that don't have that. I
think I've read that ten percent of forty year olds
have zero money saved. Yeah, ten percent of forty year
(08:19):
old's zero money saved.
Speaker 5 (08:21):
We ended up talking about this on the air at
one point, and we had so many people texting in
saying how much they had in their bank account. Yes,
and it was like a lot of people had not
very much money at all.
Speaker 4 (08:31):
Yeah.
Speaker 2 (08:31):
Yeah, Well, we also had a lot of people who
were saying how much they had. I actually feel like
we had more people saying how much they had versus
the people who were saying they didn't. And then they
felt like shit, yeah, because they were like, what, I'm
a single mom and I'm forty and I don't have
anything in a roth ira or anything like that, and some.
Speaker 1 (08:49):
People don't even know what a roth ira is. Yeah,
do you know what a roth ira is?
Speaker 5 (08:54):
Bill, I don't know.
Speaker 4 (08:55):
If I have, it's okay if you don't.
Speaker 5 (08:57):
Yeah, I mean I know what I know. It is
a thing that you put money into and then you
use it later on in your life. That's what I
know about it.
Speaker 4 (09:05):
That's a good basic description.
Speaker 3 (09:06):
Yeah, basic.
Speaker 4 (09:08):
I don't know what all that is.
Speaker 1 (09:10):
We have a financial planner, and you do not have
to make a lot of money to have a financial planner.
I had one when I was probably twenty seven years
old because I didn't know what. You know, you get
a savings account and you get a checking account. Well
you probably should do a little bit better than that,
So we had a financial planner. The thing is they
take a little bit of money from you, but in
(09:34):
a lot of the time it's worth it.
Speaker 4 (09:35):
Because I don't know.
Speaker 1 (09:36):
I didn't know what a roth ira is, and no
idea and all these different mutual I mean, I know
what a mutual fund is, but I don't even know
if they're a wise investment anymore.
Speaker 4 (09:44):
I really don't know.
Speaker 5 (09:46):
Yeah, I took I talked to a financial advisor, but
she was just like a friend of mine, and I
took a bunch of notes and I just have to
like make it all happen, and I just haven't yet.
I have a checking in savings account, I have like
a four oh one k whatever, and then I have
like a high yield savings account as well, and that's it.
Speaker 3 (10:06):
So I mean, you're doing good.
Speaker 4 (10:08):
Though.
Speaker 3 (10:08):
Here's one thing.
Speaker 2 (10:09):
Obviously I'm not a financial planner, but I was meeting
with this one financial guy for a very long time recently,
and one thing you should ask your company if they
offer this is if they do wroth flor a one
ks because our four oh one k is obviously take
the money out of your check pre tax, but then
you have to pay taxes on them later in life.
Speaker 3 (10:30):
When you use that money.
Speaker 2 (10:32):
Okay, so a wroth forloro one k is post tax
money that's going into your four oh one k, So
later in life you take that money out and you're
not paying taxes on them. So in the end, unless
something crazy happens in the economy, there's no way that
taxes are going to be less in thirty years versus
what they are right now. There's just no chance. So
(10:53):
it's better to do wroth for oh one k contributions
versus four oh one k, But most companies do not
allow that five asst ours, and they are legally they
have to start doing it, I think in like twenty
twenty six.
Speaker 3 (11:06):
But there's also some requirements.
Speaker 1 (11:09):
Well, here's one thing that I heard from my financial
planner is like, is social Security going away? Because Facebook
is full of oh social Security is going away? One percent.
It is not going away. It would kill people, It
would starve people. Social Security is not going away. So
when your uncle Peter, your aunt Betty is like, yeah,
they're taking away social Security, they are not. Could you
(11:30):
imagine all the senior citizens that live on that Social
Security check poof it just vanished.
Speaker 2 (11:37):
Yeah, but your financial planner would tell you that because
are they going to make money off of you if
they don't lie to You're right?
Speaker 3 (11:43):
In fact?
Speaker 1 (11:43):
Oh my god, thanks for inducing panic. Jenny intrusive question,
how much money do you guys want in your four
oh one k before you retire? I got no fucking idea, Sarah,
you really don't know. I really don't know.
Speaker 4 (11:58):
Yeah, I don't know either.
Speaker 3 (11:59):
I don't almost need to like exist and live. I say,
no idea.
Speaker 2 (12:04):
The fact that they're able to go to their retirement
and careers at fifty. Makes me think like they really
have it down to science. But like for me, I
don't know because I don't know how much I'm going
to need to live in however many years.
Speaker 1 (12:16):
And that's the thing. You've got to adjust it for inflation.
So if you've got a lot of money now and
you're like, oh, I can retire on X amount, well
when you retire, is that going to be enough? But
you will accrue and your your investment will continue to
grow because historically, no matter what the stock market is doing,
historically it always goes up. Historically, it just always goes up.
It'll dip and peak and dip and peak, but it'll
(12:38):
all we go up. Let's see what else we got here. Okay,
there are some people that have sent songs that wrote
they wrote a song for Ai. Yes, I cannot get
them to play. So if you wrote a song with
AI about our morning show, I really appreciate that. For
whatever reason. There's been two or three people that have
(12:58):
sent us those, including Kaylee. She says, Yo, my favorite
morning crew. I felt so inspired today listen to your show.
I decided to put my creativity of the test and
write up a little song about the morning show.
Speaker 2 (13:09):
So I did read this yesterday, and I only I
didn't delete it, just because I wanted to see if
we want to do something with it on the show today.
So that's why that's in there.
Speaker 4 (13:15):
I couldn't get it to play well.
Speaker 3 (13:17):
I don't think that there's anything to play on that.
Speaker 1 (13:19):
Oh okay, so maybe she's not the right one. Yeah,
so I will. Uh, let's just let's just read some
of the lyrics. Did you read the lyrics?
Speaker 4 (13:26):
I did?
Speaker 5 (13:27):
Well?
Speaker 1 (13:27):
Then never mind? Yeah, the fuck am I doing here?
All right, let's find another one.
Speaker 4 (13:32):
Here we go.
Speaker 1 (13:34):
Toy Story five is the subject. Hi, everybody feel the
feel free to use my name, Thurston. Have you heard
you could use some messages. I heard you talk about
Toy Story five and how the third movie wrap things
up and made four and now five. Indiana Jones. The
final scene from the third was the proverbial writing off
(13:55):
into the sunset and then came back and made number
four and five. Interesting tidbit about movie making. For each
minute on the screen, there should be one page in
the script behind the camera or one to one pacing.
I really had no idea, So one minute on the
screen interesting or for each minute on yeah, okay interesting,
Thank you Thursty, And I had no idea. I'm going
(14:17):
to hit delete on that one. We talked about NAT's already.
This is from Marie. She says, you don't have to
answer if you don't want to. But Dave, do you
know if and when you're planning on retiring? I remember
you signing an extension that would keep you on until
twenty twenty six? But is that your timeline or plan?
(14:39):
You are so fun to listen to, But let's be honest,
you're not getting any younger. Jenny in the morning Zoo
is imminent. Love you guys, have a great weekend. I
don't know. I don't know.
Speaker 4 (14:50):
You know what.
Speaker 1 (14:51):
I'll be honest with you. A couple of times in
the past I've said this is it. I don't want
to sign another contract, and then I did so, and
that could happen again. I really don't know. So well,
we'll see. I don't know what I would.
Speaker 4 (15:07):
Do all day.
Speaker 3 (15:08):
When did your contract end? Do you know?
Speaker 2 (15:10):
May?
Speaker 4 (15:11):
End of May? Next year?
Speaker 3 (15:12):
Next year?
Speaker 2 (15:13):
So you got at least a year to make a
probably more sooner than that.
Speaker 4 (15:17):
But well, it's also their decision.
Speaker 3 (15:19):
Oh yeah, I mean, you know you're not gonna I
don't know.
Speaker 4 (15:22):
I don't know.
Speaker 5 (15:26):
If they're poor, who knows what if they're poor, if
they can't afford this schmuck.
Speaker 4 (15:32):
Well then just offer me less.
Speaker 2 (15:33):
That's how they get rid of Dave instead.
Speaker 4 (15:35):
Of year give me twenty five ks. Wow that's a lot.
Speaker 3 (15:42):
I was like, wow, they pay you that much?
Speaker 1 (15:43):
All right, right, so thank you, Marie, and I believe.
Oh we have a rant. Here comes one Nita's rant.
Are you ready? Yes, Okay, let me see if I
can find it. Okay, hold on. It always takes me
a second to pull these things up, but I think
our audio system is ready to go.
Speaker 4 (15:59):
And here comes Juanita.
Speaker 5 (16:01):
Hey.
Speaker 6 (16:02):
Hey, So I started binge watching that show that you
guys were talking about you on Netflix, and I'm about
at the fourth season and I'm about ready to poke
Joe's eyeballs out with my fingernail.
Speaker 4 (16:16):
Yep, he is so fucking annoying.
Speaker 6 (16:18):
I swear to god. He doesn't even look like a killer.
He just looks like one of the kids that brings
the groceries out on your arm on call order. Anyway,
this week's rent is about people who've got too much
fucking time on their hands. So I was watching World
News Now one morning and they said something about a
sign spinning competition.
Speaker 4 (16:39):
I'm like, you gotta be fucking kidding.
Speaker 6 (16:41):
So I'm looking at it, and there's actually a competition
for that. I don't know if you remember that Progressive
commercial where the kids standing on the corner sending the
progressive signs and his dad comes rolls up and gives
them shit about it. There's actually a competition for people
who are spinning signs to see who could spin at
the fucking best, Like these people have got too much goddamn.
Speaker 4 (17:03):
Time on their hands.
Speaker 6 (17:05):
It looks pretty cool, but still I mean to make
it a competition to come on. Really well, that's my
rap of this week. I love you guys, bye.
Speaker 1 (17:14):
We love you back. I am not surprised. There's competitions
for everything from cup stacking member cup stacking ten years
ago and Carson had a cup stacking kit and he
didn't really play with it, but I did, and it came.
It came with a matt and a timer, and it
was really cool because I got decent a cut. You
(17:35):
would stack them and unstack them. In like a record time,
and I could do it in like five seconds or
something crazy like that. Rubik's Cube competitions, there's all kinds
of competitions. I am for it because if that is
your skill and you're really good at sign spinning, good
for you.
Speaker 5 (17:51):
I think skills in general, like seeing anyone who's like
really really good at something is just so cool to me.
Speaker 1 (17:56):
I agree, Yeah, she brought up you, and I'm I'm
not going to give any there's no I've watched the
last episode last night, and I will only say, and
I'm going to say this without giving anything away, the
ending is good.
Speaker 2 (18:13):
Oh thank god, Okay, okay, because I'm gonna watch it
this weekend.
Speaker 4 (18:16):
The ending is good.
Speaker 1 (18:17):
And if I told you anything more than that, or
if I said, oh, the wind ending's really good, or
if I said the ending's good, that gives too much
away so flatly in a flat monotone voice, I will
say the ending is good, so you will probably like
the ending. I want to talk about something that I
(18:39):
did yesterday, and Jenny and Bailey knew about this one.
And I was speaking at a big conference of advertisers
and business owners and media people, and I was the
host down at Mall of America yesterday for about one
hundred and fifty people or so.
Speaker 4 (18:55):
WHOA.
Speaker 1 (18:56):
So I had to get up on stage and like
welcome everybody and and talk about you know, like hey,
we're here to have fun and we're here to learn.
And then I had to introduce heat speaker, and then
at the end I had to lead a Q and A.
And of course when you say does anybody have any questions?
Nobody ever has any questions. They just don't. And I
(19:17):
think sometimes it's because they got to get back to
work and they want to get the fuck out of there.
But it was such a fun experience and it went
over really well. And I told Jenny and I probably
told you, I get nervous before I do something like that.
And I think sometimes when you're a little bit nervous,
that's good because it means it's.
Speaker 4 (19:34):
Important to you here about it.
Speaker 3 (19:36):
Yeah.
Speaker 1 (19:36):
Yeah, So I was a little bit nervous and I
got up on stage and I had so much fun,
and I did some little wacky bits where I said,
I'm a DJ. We give away prizes. So I flashed
my phone number up on the screen, I turned my
ring tone up to call me maybe by Carly ray Jepson,
and I took a caller out of the audience and
gave her prizes, and people thought that was funny. And
when I sat down, a guy named Aaron from the
(19:58):
Star Tribune says, that was great and that just really
felt good. Ye and they just were very grateful and thankful,
and I was so thankful to be honored to come
out and do this. So so that was that was
like the best thing that's happened to me in a while,
was to just do a good job doing that.
Speaker 5 (20:14):
You had your little suit thing on and your little
glasses so you look like, you know, you knew stuff.
Speaker 4 (20:20):
I looked like a sexy college professor.
Speaker 3 (20:22):
No, I don't think that's what it was. You professional, just.
Speaker 4 (20:25):
Not sexy college professional.
Speaker 2 (20:27):
A little different than right now when you're Mickey Mouse
shirt hunt or.
Speaker 4 (20:29):
To make out shirt right now? Look at that? Yeahs.
Speaker 1 (20:36):
Anything else on the Minnesota goodbye, nothing else we want
to cover. Okay, love your emails. They are the heart
and soul of the Minnesota.
Speaker 4 (20:44):
Goodbye.
Speaker 1 (20:44):
And if you ever want to ask a question or
bring up something or rant about something, you know where
to come. Send those to Ryan Show at KADIWB dot com.
One request, where do you listen send to the Minnesota Goodbye?
Send me a short email. Do you listen to it
on your walk? Do you listen to it on your
(21:06):
drive into work? Do you listen to it on your
drive home from work? Do you listen to it while
you're making dinner. I'm just curious. I'm just trying to
picture where people are listening to the Minnesota Goodbye. There's
no one answer, So let me know where you listen
to the Minnesota Goodbye and send an email to Ryan
Show at KDWB dot com
It's Friday, Friday, mother fucking Friday. Lena made a song
about that. I think did she did Lena do its
motherfucking Friday?
Speaker 2 (00:10):
It would have I think it would have been Lena
because it came out when I was in like, uh
a senior in college or junior, and Lena was on
the show at that time.
Speaker 1 (00:19):
Okay, That's how I know it came out around that
time because she also did Dave's Friday Night then and
was all basically making fun of like how I don't
do anything on a Friday night. And this is what
I've learned is, you know, as you go through life
is like, you know what Friday nights at home on
the couch with a pizza or door dash. They're great,
(00:42):
They're awesome, they.
Speaker 3 (00:43):
Are really lovely.
Speaker 2 (00:44):
That's gonna be my weekend because I'm getting this laser
treatment done in my face. So I'm going to be
hiding in the shadows of my house all weekend, and
so I will just be sitting around doing nothing.
Speaker 4 (00:54):
What are they doing to your face?
Speaker 3 (00:55):
You know, just burning it off, really.
Speaker 4 (00:57):
Starting over again? Yeah, throw a new one.
Speaker 3 (00:59):
Yeah exactly.
Speaker 2 (01:00):
Uh No, It's it's called the Broadband Ladies that are
light therapy and then also a moxie treatment. It's a
combo thing that they do together. And to be honest,
I don't know exactly what it does, but it pulls
out the pigment. Because I've told you before, there's like
the some spot I get on my cheek that I'm
really self conscious about now and for a while I
thought it was cancer. It's not there anymore, because I
had to say it's not there yet. Yeah, So it
seriously works miracles. It's like it always was, like right
(01:22):
here on my cheek.
Speaker 3 (01:23):
I'm pointing to it. Obviously you're listening, you know what I'm.
Speaker 4 (01:25):
Putting right there, but right under her left eye.
Speaker 2 (01:28):
But I got this done once in the last few months,
and it really pulled the pigment out. But then it
just helps with like collagen pores all that stuff spot
and it works.
Speaker 3 (01:37):
I'm telling you.
Speaker 2 (01:38):
You can like see it in real time over the
course of a week as your skin heels the pigment
like being pulled out.
Speaker 3 (01:44):
It's so crazy to watch if you have.
Speaker 1 (01:46):
Some spots, Okay, interesting, Yeah, that's I've never noticed that
on you, and I've never noticed until just now at
this moment that.
Speaker 4 (01:53):
You have a little mole right there?
Speaker 5 (01:57):
Is it?
Speaker 4 (01:58):
Yeah?
Speaker 1 (01:58):
Oh yeah, this is it. I was going to say,
I've never noticed had a little mole there. That's interesting
because you don't usually get zits.
Speaker 2 (02:04):
Oh I do get zits, But honestly, I don't know
that it was is it. It was one of those
things where I think it was a bite of sorts,
and I went after it and made so now it
definitely stands out a little bit more than it probably should.
Speaker 1 (02:19):
Well, there's the update on Jenny's skins. So let's dive
into the emails and here we go. Hello, friend, says
Beth from North Branch. Last time I wrote in a
couple of years ago when I found out that Dave
also had a grandma, Helen. Hearing Dave read my tribute
to my Grandma Helen and hearing about his grandma honestly
made my year that year as I was struggling with
(02:40):
postpartum depression, and to this day, the memory of hearing
that podcast for the first time still means so much.
You guys keep me saying some days while I fight
to survive keeping up with a two year old and
a six month old. Wow, I swear my girls both
know Dave's voices. I've listened to you throughout my pregnancies
and whenever we're in the car. My two year old
recently started repeating after me in the mornings when I say, hey, Alexa,
(03:02):
play KATIEWB. Hopefully ours doesn't please do it right now?
Speaker 2 (03:05):
No?
Speaker 4 (03:05):
She did not?
Speaker 1 (03:06):
Okay, good, and I had to share a cute clip
of her saying KATIEWB, Happy Friday and have a great weekend.
So I found the clip and I think I got
it ready to play. Here we go, and of course
it's not working, so that just might be. She sent
me like a little like a phone clip, and I
tried to play it and I thought the audio would
come through, and it did not. But that is adorable.
(03:28):
Thank you, Bess Neched What this says? Anybody know how
to get rid of those awful gnats that are everywhere
right now? I've never experienced this level of ridiculous from
biting gnats. My poor kid is full of weltz, and
so am I. They're flying around us, they're biting us.
Even our poor foster dog has so many bites on
(03:49):
her belly. If anybody has a special trick to get
rid of those gnats, let me know. I'd love to
have some time back outdoors. I don't ye, I don't
notice them, honestly.
Speaker 3 (04:00):
I wonder where they.
Speaker 2 (04:00):
Live because it is that season right now. And I
remember being up in the North Shore last year at
this time and the nats were just starting to come
out and it was like impossible to do hikes, almost
betacked in certain areas.
Speaker 3 (04:13):
Yeah, but I yeah, I don't have a solution. I'm sorry.
Speaker 1 (04:17):
Uh, we're taking the van, the camper I say, camper
van is not a camper vent. We're taking the RV
out this weekend. And there was no there was no
bugs last week. Yeah, because it was chilly enough the
bugs weren't out. There's no mosquitoes really yet, although something
bit me on the leg the other day could have
been a mosquito. But I guess that's one thing we're
gonna have to learn to deal with with the camper
is keeping the bugs away and keeping them out of
(04:38):
the RV.
Speaker 3 (04:39):
Okay, I need to send you.
Speaker 2 (04:41):
I'm going to look at it right now because there's
something that you use. It's I'm trying to figure out
how to describe it, but basically, it expels this substance
into the air and keeps bugs away. But I have
two of them for when I go on camper van trips. Okay,
it's a mosquito repellent thing, and honestly, I'm pretty sure
listeners recommended it to me last summer and it works
really well and I use it on my deck and
(05:01):
stuff too, But I gotta figure out what it is.
Speaker 1 (05:03):
Okay, send it to me, because yeah, I mean, you
got your bug spray, but you know they're going to
get inside the camper and then I'll be running around
with a fly swatter trying to get these mosquitoes. So
next one, Sarah writes in she says, Dave, I'm so
excited that you've got your RV. I've heard you share
a few times that you're cautious to talk about the
purchase because it feels boastful. But I agree with Jenny
(05:26):
that you worked really hard your whole life and you've
earned the ability to enjoy your money. I appreciate that
you're offering a perspective that is not talked about right now.
Even though life is more expensive right now, you seem
to be weathering that because you've been a conservative spender
your whole life. Definitely a conservative spender. Jenny and I
have that in common, and probably Bailey too. Growing up
without a lot of money, you're used to not buying
(05:49):
expensive things. And I remember one when I was about
twenty eight years old, I got let go from a
radio station that was changing format and they had to
pay off the rest of my contract. And the rest
of my contract was forty four thousand dollars and I
got a check for forty four thousand dollars. I was
(06:11):
twenty eight years old. Wow, Now this was money that
they would have owed me had I worked there for
the next you know, like I don't know whatever it
was a year or whatever it was. And there was
no question I was not going to buy a Mustang. Yeah,
I was not going to buy a boat. I was
not going to buy a whatever a Rolex. I put
(06:31):
it in the bank and to this day it's still there.
Speaker 4 (06:34):
Gee.
Speaker 1 (06:34):
I mean I've never touched that, you know, we've never
spent down to forty four thousand, so I can say
it's still there. But yeah, I think that's one of
the things, is like, what are you waiting for? My
husband and I are in the same boat. We're thirty eight,
we have three boys, We've worked our whole lives. We
don't spend beyond our means, and we focused on saving.
I am a frugal spender and love looking for a deal.
(06:56):
All of that has put us in a position we're
on track to move into our retirement careers at fifty.
Speaker 4 (07:02):
Wow.
Speaker 3 (07:02):
Good for them.
Speaker 1 (07:04):
We each have one hundred and seventy thousand in our
four to oh one case, So between the two of
them they have is that thirty four thousand dollars. We
max out contributions to our roth iras each year and
have about seventy five thousand invested and then fifteen thousand
cash on hand for emergencies. Our only debt is our
mortgage of two hundred thousand. My husband graduated college with
(07:25):
a seventy thousand dollars student loan debt and we paid
that off on our own. We make way more per
month than we need to spend to survive even raising
three kids.
Speaker 4 (07:36):
Wow.
Speaker 1 (07:36):
Okay, that's impressive. That is not the reality for anybody
else in my life. I feel guilty about it all
the time. We are not rich by any means, but
we are happy that we have with what we have,
and the peace of mind for our financial future. We
are able to plan our summer vacations despite the rising
cost of living. The vacation is not super fancy road
trip into North Carolina for the boys to see the
(07:58):
ocean for the first time, but it's way more than
what I got to do as a kid. We are
able to provide a really comfortable life for our kids.
Why do I feel guilty about that? I think it's
because you see other people that don't have that. I
think I've read that ten percent of forty year olds
have zero money saved. Yeah, ten percent of forty year
(08:19):
old's zero money saved.
Speaker 5 (08:21):
We ended up talking about this on the air at
one point, and we had so many people texting in
saying how much they had in their bank account. Yes,
and it was like a lot of people had not
very much money at all.
Speaker 4 (08:31):
Yeah.
Speaker 2 (08:31):
Yeah, Well, we also had a lot of people who
were saying how much they had. I actually feel like
we had more people saying how much they had versus
the people who were saying they didn't. And then they
felt like shit, yeah, because they were like, what, I'm
a single mom and I'm forty and I don't have
anything in a roth ira or anything like that, and some.
Speaker 1 (08:49):
People don't even know what a roth ira is. Yeah,
do you know what a roth ira is?
Speaker 5 (08:54):
Bill, I don't know.
Speaker 4 (08:55):
If I have, it's okay if you don't.
Speaker 5 (08:57):
Yeah, I mean I know what I know. It is
a thing that you put money into and then you
use it later on in your life. That's what I
know about it.
Speaker 4 (09:05):
That's a good basic description.
Speaker 3 (09:06):
Yeah, basic.
Speaker 4 (09:08):
I don't know what all that is.
Speaker 1 (09:10):
We have a financial planner, and you do not have
to make a lot of money to have a financial planner.
I had one when I was probably twenty seven years
old because I didn't know what. You know, you get
a savings account and you get a checking account. Well
you probably should do a little bit better than that,
So we had a financial planner. The thing is they
take a little bit of money from you, but in
(09:34):
a lot of the time it's worth it.
Speaker 4 (09:35):
Because I don't know.
Speaker 1 (09:36):
I didn't know what a roth ira is, and no
idea and all these different mutual I mean, I know
what a mutual fund is, but I don't even know
if they're a wise investment anymore.
Speaker 4 (09:44):
I really don't know.
Speaker 5 (09:46):
Yeah, I took I talked to a financial advisor, but
she was just like a friend of mine, and I
took a bunch of notes and I just have to
like make it all happen, and I just haven't yet.
I have a checking in savings account, I have like
a four oh one k whatever, and then I have
like a high yield savings account as well, and that's it.
Speaker 3 (10:06):
So I mean, you're doing good.
Speaker 4 (10:08):
Though.
Speaker 3 (10:08):
Here's one thing.
Speaker 2 (10:09):
Obviously I'm not a financial planner, but I was meeting
with this one financial guy for a very long time recently,
and one thing you should ask your company if they
offer this is if they do wroth flor a one
ks because our four oh one k is obviously take
the money out of your check pre tax, but then
you have to pay taxes on them later in life.
Speaker 3 (10:30):
When you use that money.
Speaker 2 (10:32):
Okay, so a wroth forloro one k is post tax
money that's going into your four oh one k, So
later in life you take that money out and you're
not paying taxes on them. So in the end, unless
something crazy happens in the economy, there's no way that
taxes are going to be less in thirty years versus
what they are right now. There's just no chance. So
(10:53):
it's better to do wroth for oh one k contributions
versus four oh one k, But most companies do not
allow that five asst ours, and they are legally they
have to start doing it, I think in like twenty
twenty six.
Speaker 3 (11:06):
But there's also some requirements.
Speaker 1 (11:09):
Well, here's one thing that I heard from my financial
planner is like, is social Security going away? Because Facebook
is full of oh social Security is going away? One percent.
It is not going away. It would kill people, It
would starve people. Social Security is not going away. So
when your uncle Peter, your aunt Betty is like, yeah,
they're taking away social Security, they are not. Could you
(11:30):
imagine all the senior citizens that live on that Social
Security check poof it just vanished.
Speaker 2 (11:37):
Yeah, but your financial planner would tell you that because
are they going to make money off of you if
they don't lie to You're right?
Speaker 3 (11:43):
In fact?
Speaker 1 (11:43):
Oh my god, thanks for inducing panic. Jenny intrusive question,
how much money do you guys want in your four
oh one k before you retire? I got no fucking idea, Sarah,
you really don't know. I really don't know.
Speaker 4 (11:58):
Yeah, I don't know either.
Speaker 3 (11:59):
I don't almost need to like exist and live. I say,
no idea.
Speaker 2 (12:04):
The fact that they're able to go to their retirement
and careers at fifty. Makes me think like they really
have it down to science. But like for me, I
don't know because I don't know how much I'm going
to need to live in however many years.
Speaker 1 (12:16):
And that's the thing. You've got to adjust it for inflation.
So if you've got a lot of money now and
you're like, oh, I can retire on X amount, well
when you retire, is that going to be enough? But
you will accrue and your your investment will continue to
grow because historically, no matter what the stock market is doing,
historically it always goes up. Historically, it just always goes up.
It'll dip and peak and dip and peak, but it'll
(12:38):
all we go up. Let's see what else we got here. Okay,
there are some people that have sent songs that wrote
they wrote a song for Ai. Yes, I cannot get
them to play. So if you wrote a song with
AI about our morning show, I really appreciate that. For
whatever reason. There's been two or three people that have
(12:58):
sent us those, including Kaylee. She says, Yo, my favorite
morning crew. I felt so inspired today listen to your show.
I decided to put my creativity of the test and
write up a little song about the morning show.
Speaker 2 (13:09):
So I did read this yesterday, and I only I
didn't delete it, just because I wanted to see if
we want to do something with it on the show today.
So that's why that's in there.
Speaker 4 (13:15):
I couldn't get it to play well.
Speaker 3 (13:17):
I don't think that there's anything to play on that.
Speaker 1 (13:19):
Oh okay, so maybe she's not the right one. Yeah,
so I will. Uh, let's just let's just read some
of the lyrics. Did you read the lyrics?
Speaker 4 (13:26):
I did?
Speaker 5 (13:27):
Well?
Speaker 1 (13:27):
Then never mind? Yeah, the fuck am I doing here?
All right, let's find another one.
Speaker 4 (13:32):
Here we go.
Speaker 1 (13:34):
Toy Story five is the subject. Hi, everybody feel the
feel free to use my name, Thurston. Have you heard
you could use some messages. I heard you talk about
Toy Story five and how the third movie wrap things
up and made four and now five. Indiana Jones. The
final scene from the third was the proverbial writing off
(13:55):
into the sunset and then came back and made number
four and five. Interesting tidbit about movie making. For each
minute on the screen, there should be one page in
the script behind the camera or one to one pacing.
I really had no idea, So one minute on the
screen interesting or for each minute on yeah, okay interesting,
Thank you Thursty, And I had no idea. I'm going
(14:17):
to hit delete on that one. We talked about NAT's already.
This is from Marie. She says, you don't have to
answer if you don't want to. But Dave, do you
know if and when you're planning on retiring? I remember
you signing an extension that would keep you on until
twenty twenty six? But is that your timeline or plan?
(14:39):
You are so fun to listen to, But let's be honest,
you're not getting any younger. Jenny in the morning Zoo
is imminent. Love you guys, have a great weekend. I
don't know. I don't know.
Speaker 4 (14:50):
You know what.
Speaker 1 (14:51):
I'll be honest with you. A couple of times in
the past I've said this is it. I don't want
to sign another contract, and then I did so, and
that could happen again. I really don't know. So well,
we'll see. I don't know what I would.
Speaker 4 (15:07):
Do all day.
Speaker 3 (15:08):
When did your contract end? Do you know?
Speaker 2 (15:10):
May?
Speaker 4 (15:11):
End of May? Next year?
Speaker 3 (15:12):
Next year?
Speaker 2 (15:13):
So you got at least a year to make a
probably more sooner than that.
Speaker 4 (15:17):
But well, it's also their decision.
Speaker 3 (15:19):
Oh yeah, I mean, you know you're not gonna I
don't know.
Speaker 4 (15:22):
I don't know.
Speaker 5 (15:26):
If they're poor, who knows what if they're poor, if
they can't afford this schmuck.
Speaker 4 (15:32):
Well then just offer me less.
Speaker 2 (15:33):
That's how they get rid of Dave instead.
Speaker 4 (15:35):
Of year give me twenty five ks. Wow that's a lot.
Speaker 3 (15:42):
I was like, wow, they pay you that much?
Speaker 1 (15:43):
All right, right, so thank you, Marie, and I believe.
Oh we have a rant. Here comes one Nita's rant.
Are you ready? Yes, Okay, let me see if I
can find it. Okay, hold on. It always takes me
a second to pull these things up, but I think
our audio system is ready to go.
Speaker 4 (15:59):
And here comes Juanita.
Speaker 5 (16:01):
Hey.
Speaker 6 (16:02):
Hey, So I started binge watching that show that you
guys were talking about you on Netflix, and I'm about
at the fourth season and I'm about ready to poke
Joe's eyeballs out with my fingernail.
Speaker 4 (16:16):
Yep, he is so fucking annoying.
Speaker 6 (16:18):
I swear to god. He doesn't even look like a killer.
He just looks like one of the kids that brings
the groceries out on your arm on call order. Anyway,
this week's rent is about people who've got too much
fucking time on their hands. So I was watching World
News Now one morning and they said something about a
sign spinning competition.
Speaker 4 (16:39):
I'm like, you gotta be fucking kidding.
Speaker 6 (16:41):
So I'm looking at it, and there's actually a competition
for that. I don't know if you remember that Progressive
commercial where the kids standing on the corner sending the
progressive signs and his dad comes rolls up and gives
them shit about it. There's actually a competition for people
who are spinning signs to see who could spin at
the fucking best, Like these people have got too much goddamn.
Speaker 4 (17:03):
Time on their hands.
Speaker 6 (17:05):
It looks pretty cool, but still I mean to make
it a competition to come on. Really well, that's my
rap of this week. I love you guys, bye.
Speaker 1 (17:14):
We love you back. I am not surprised. There's competitions
for everything from cup stacking member cup stacking ten years
ago and Carson had a cup stacking kit and he
didn't really play with it, but I did, and it came.
It came with a matt and a timer, and it
was really cool because I got decent a cut. You
(17:35):
would stack them and unstack them. In like a record time,
and I could do it in like five seconds or
something crazy like that. Rubik's Cube competitions, there's all kinds
of competitions. I am for it because if that is
your skill and you're really good at sign spinning, good
for you.
Speaker 5 (17:51):
I think skills in general, like seeing anyone who's like
really really good at something is just so cool to me.
Speaker 1 (17:56):
I agree, Yeah, she brought up you, and I'm I'm
not going to give any there's no I've watched the
last episode last night, and I will only say, and
I'm going to say this without giving anything away, the
ending is good.
Speaker 2 (18:13):
Oh thank god, Okay, okay, because I'm gonna watch it
this weekend.
Speaker 4 (18:16):
The ending is good.
Speaker 1 (18:17):
And if I told you anything more than that, or
if I said, oh, the wind ending's really good, or
if I said the ending's good, that gives too much
away so flatly in a flat monotone voice, I will
say the ending is good, so you will probably like
the ending. I want to talk about something that I
(18:39):
did yesterday, and Jenny and Bailey knew about this one.
And I was speaking at a big conference of advertisers
and business owners and media people, and I was the
host down at Mall of America yesterday for about one
hundred and fifty people or so.
Speaker 4 (18:55):
WHOA.
Speaker 1 (18:56):
So I had to get up on stage and like
welcome everybody and and talk about you know, like hey,
we're here to have fun and we're here to learn.
And then I had to introduce heat speaker, and then
at the end I had to lead a Q and A.
And of course when you say does anybody have any questions?
Nobody ever has any questions. They just don't. And I
(19:17):
think sometimes it's because they got to get back to
work and they want to get the fuck out of there.
But it was such a fun experience and it went
over really well. And I told Jenny and I probably
told you, I get nervous before I do something like that.
And I think sometimes when you're a little bit nervous,
that's good because it means it's.
Speaker 4 (19:34):
Important to you here about it.
Speaker 3 (19:36):
Yeah.
Speaker 1 (19:36):
Yeah, So I was a little bit nervous and I
got up on stage and I had so much fun,
and I did some little wacky bits where I said,
I'm a DJ. We give away prizes. So I flashed
my phone number up on the screen, I turned my
ring tone up to call me maybe by Carly ray Jepson,
and I took a caller out of the audience and
gave her prizes, and people thought that was funny. And
when I sat down, a guy named Aaron from the
(19:58):
Star Tribune says, that was great and that just really
felt good. Ye and they just were very grateful and thankful,
and I was so thankful to be honored to come
out and do this. So so that was that was
like the best thing that's happened to me in a while,
was to just do a good job doing that.
Speaker 5 (20:14):
You had your little suit thing on and your little
glasses so you look like, you know, you knew stuff.
Speaker 4 (20:20):
I looked like a sexy college professor.
Speaker 3 (20:22):
No, I don't think that's what it was. You professional, just.
Speaker 4 (20:25):
Not sexy college professional.
Speaker 2 (20:27):
A little different than right now when you're Mickey Mouse
shirt hunt or.
Speaker 4 (20:29):
To make out shirt right now? Look at that? Yeahs.
Speaker 1 (20:36):
Anything else on the Minnesota goodbye, nothing else we want
to cover. Okay, love your emails. They are the heart
and soul of the Minnesota.
Speaker 4 (20:44):
Goodbye.
Speaker 1 (20:44):
And if you ever want to ask a question or
bring up something or rant about something, you know where
to come. Send those to Ryan Show at KADIWB dot com.
One request, where do you listen send to the Minnesota Goodbye?
Send me a short email. Do you listen to it
on your walk? Do you listen to it on your
(21:06):
drive into work? Do you listen to it on your
drive home from work? Do you listen to it while
you're making dinner. I'm just curious. I'm just trying to
picture where people are listening to the Minnesota Goodbye. There's
no one answer, So let me know where you listen
to the Minnesota Goodbye and send an email to Ryan
Show at KDWB dot com
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