Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hey, check out our YouTube channel. In fact, something really cool,
like right when the show's over, we broadcast the whole
show on YouTube, so you can watch it live us
in the studio. So go to YouTube search John Jay
and Rich and you can watch us. Hey, Tara, you
have an embarrassing story.
Speaker 2 (00:18):
I do.
Speaker 3 (00:18):
I definitely do what happened. So I'm just saying I
felt like it was the safest option at the time.
So in twenty twenty one, we had a bad snow
and ice storm and I attempted to drive to work.
The first day, nobody was driving. The second day, roads
were clear, people were driving. I could make it, well
(00:40):
I didn't. I mean I did, but I didn't. My
car didn't make it. So I was flying. I started sliding.
I was coming to a red light and it's kind
of a downhill a little bit. And as I started flighting,
I panicked and my light was red, but the other
light was green, and the traffic that was coming to
(01:01):
and from could not see me. I couldn't see them.
I didn't know if there was any vehicles coming, and
I could just imagine my car getting slammed and hit
really hard. Right, So I felt it was safest too.
I jumped out of my car.
Speaker 4 (01:18):
What like, how fast were you going?
Speaker 3 (01:21):
Oh? I mean it was sliding. I wasn't fight It
wasn't fighting real bad, but like when it started going downhill,
it would have and it did whenever I rolled out,
I mean it was I was hardly moving. But once
I rolled out, you know, and I stood up in
my car, it it rolled across the main road into
(01:43):
a pawn shot parking lot.
Speaker 1 (01:44):
Well so didn't hit anybody, No, I.
Speaker 3 (01:47):
Mean it hit one of his cars. It dented it
a little bit.
Speaker 1 (01:51):
But so the embarrassed parties people come out going, why'd
you jump out of your car?
Speaker 4 (01:55):
Weird?
Speaker 5 (01:56):
Yeah?
Speaker 3 (01:57):
Yeah, but I called obviously I punchof wasn't open yet,
so I called the cops and they were like, you
did what.
Speaker 2 (02:05):
I mean, aren't you kind of lucky that your car
didn't slide over you when you were jumping out.
Speaker 1 (02:09):
Of the car.
Speaker 3 (02:10):
Oh yeah, yeah yeah. A lot of people were like,
your car would have ran over you. I was like, no,
So it was flying sideways and at the point where
I had rolled out, it wasn't quite downhill yet. It
was still kind of a you know, straight part of
the road.
Speaker 1 (02:28):
Might this collision sounds like, yeah, well that's a good one. Tarah,
thank you so much for listening.
Speaker 3 (02:34):
Thank you.
Speaker 1 (02:36):
So you know, Peyton's a coach, right, And there's all
kinds of coaches. There's basketball coaches, and there's baseball coaches,
there's talent coaches, there's relationship coaches, love coaches, all kinds
of stuff. But there's a coach rich has I've never
heard of before. Yeah, like a finance some money coach.
I've never heard of that, And you have one.
Speaker 2 (02:57):
I just recently got one because you just Sacy and
I are newly married and we're trying to figure out
how to combine our incomes and pay for household things
and who pays for what if we want to keep
our own separate things. And I found that every time
I had a discussion with Stacy about it, we'd get
just a little bit tense, you know, where maybe we
don't agree on anything. So I'm like, you know what,
(03:19):
if you had a problem, like an emotional problem, you
might go to a counselor. Surely there's a money counselor
for couples. And that's kind of what it is, is it.
Speaker 1 (03:28):
Do you think it's mostly people that are in second
marriages and stuff.
Speaker 2 (03:31):
Well, I actually hired her for my whole family, so
my kids are gonna learn how to save and budget
and all that stuff too. So really what you learn
how to do is budget together. So Stacy wants to
go on a vacation this summer, so instead of it's
just throwing in our credit card, we'll be saving for it.
But it's like a discussion that you have together, which
a lot of people can have on their own. For
(03:51):
whatever reason, Stacy and I don't communicate that way.
Speaker 5 (03:54):
That's like a really important life skill that I like,
don't teach SUTs.
Speaker 1 (03:57):
No, they really don't.
Speaker 2 (03:58):
So we sat down and I honestly was thinking that
the money coach was gonna go off on Stacey for
ordering door Dash too much, that that was gonna be
the big budget And I'm the problem.
Speaker 1 (04:08):
It's me, Hi, I'm the problem with me. What do
you do?
Speaker 2 (04:10):
So I am charged with taking one hundred and fifty
dollars a month out of my budget and you know
what it all is. It's all vitamins that I order
on autoship that now I've got a whole closet full of.
Speaker 1 (04:21):
But you can't take them all at the same time.
Speaker 2 (04:24):
So I went through my list of Coppa Protein Powder,
Athletic Greens, Protandum. I don't even know what that is.
I don't even know what Protandum is, but I ordered
every single month.
Speaker 1 (04:32):
I heard athletic, but expensive.
Speaker 2 (04:34):
They are pretty expensive. So now I have enough packs
that I should be able to make it through at
least the end of the summer. And I'm not kidding,
just cutting that in the apps that I don't use,
like I am not attending the Ken Tamplin Vocal Academy online,
I'm not doing singing lessons on months. That was eighteen
dollars a month, and I cut through some of the
meat vitamins, the whole package that Grant told me about
(04:56):
those vitamins.
Speaker 1 (04:58):
Yeah, I mean the animal organs of the bull test.
Are you still doing now? It was way too expensive.
That was that was like a five day phase you
went through.
Speaker 2 (05:12):
I literally took three bottles of beef organs for probably
a month, and then I just was like, I don't
feel any different.
Speaker 1 (05:18):
Meanwhile, Richie had it on auto ship, so yeah, what
I do. You had a whole calendar.
Speaker 2 (05:22):
Yeah, they had me load up everything into two things.
One of them is called monarch which I think is
a paid app Rocket Money, which I don't think is that. Yeah,
you can put all your stuff in there and let
me tell you that's what you have. Yes just yesterday,
just yesterday, just killing stuff that I don't use. I
have saved two hundred dollars a month. But I'm also
I'm also ashamed that I was just wasting that.
Speaker 1 (05:42):
But do you have somebody to do that for you,
or like, can I just get Rocket app and do
it myself?
Speaker 2 (05:46):
Well, what you do is I forget how each one works,
but you just kind of put in your bank account
and it looks at all your outgoing stuff.
Speaker 1 (05:52):
When I have access to any of that stuf. If
you have a credit card.
Speaker 2 (05:54):
Then you put me So a lot of mine was
going through PayPal. You know, it was kind of automatic.
So I'm like, I don't even think about it.
Speaker 1 (06:00):
I had my wife go to the barber with me
so she could pay.
Speaker 4 (06:03):
Yeah, I think Blake would.
Speaker 2 (06:06):
I don't know any of that stuff, but I recommend
using one of those works. I mean, they're not advertising
either one of them. I'm just saying Monarcha is really
good for your family, and I think Rocket Money is
really good too, if you just want to save.
Speaker 1 (06:16):
What about the coach where the coach? Is the coach
a person that came to your house or is it?
Speaker 2 (06:19):
I know you you just jump online with her name's Ashley.
I couldn't put a p online out. Yeah, it's like
a little figure you have to leave your house.
Speaker 1 (06:25):
Yeah, but I'd rather come over. I'd rather talk to
a person. I don't. I don't want to type.
Speaker 4 (06:29):
Oh maybe you could arrange that.
Speaker 1 (06:31):
No, I don't want to. I don't. I'm fine. I'd
rather Blake's fine. Yeah, she's probably got it all wired.
We mean no, but I know we spend We have
all these apps that were not using I know that.
Speaker 2 (06:40):
Well. I was charged with being a compulsive vitamin buyer.
That's what I was, and I think that's been true
for many years here as you guys know.
Speaker 1 (06:48):
Well, you gotta stay healthy. You got to stay healthy. Man, Well,
I got speaking of money, finance and spending paying, what
did you spend money on?
Speaker 4 (06:55):
Oh? My goodness, so Francesca is it's like a little
boutique that you can find in the malls. They had
like a warehouse sale and it was seventy percent off,
seventy percent off like, that's like unheard of, come on now.
And so I go through and I ordered seven hundred
dollars worth of clothing items, seven hundred dollars worth. I
(07:16):
didn't spend seven hundred dollars, but that's like percent off. Yeah, okay.
Speaker 5 (07:19):
I was like, so I thought you spent seven hundred.
I'm like, that's like twenty one hundred dollars worth of
stuff now a bit more.
Speaker 4 (07:30):
For the discount I ended up spending like with tax
I think like one hundred and forty eight dollars or something.
Speaker 1 (07:35):
Seven stufforth of clothes. Wow.
Speaker 4 (07:38):
And so I finally got my package yesterday and all
of them are so cute, Like I'm so happy with
my purchases, but like, I literally have no room for
seven hundred dollars worth of clothes in my closet. Went
to the mall, No, I heard it online.
Speaker 5 (07:54):
Oh, it's like one day and Payton was like, Kyle
Francesca is having a sale, and I'm like, I can't
spend any money right now.
Speaker 4 (07:59):
This is terrible.
Speaker 1 (08:00):
This is when the sales happened.
Speaker 5 (08:01):
When I like, it's like, no, the holidays has happened,
and she's like.
Speaker 4 (08:04):
My cut is so full, right, now, so you.
Speaker 1 (08:06):
Got it all and you have all this, like what
what is like? Shirts? Pants, jeans? I got a couple
of blouses.
Speaker 4 (08:11):
I got a couple pair of jeans.
Speaker 1 (08:13):
I go every time I say always last.
Speaker 4 (08:18):
Blouses. I got some like winter jacket. You gotta do
a fashion hill soon.
Speaker 1 (08:22):
You gonna do a trunk trial? Would you say I
need to do a try on?
Speaker 4 (08:26):
I know and I and I I yes.
Speaker 5 (08:30):
Because my friend Chesc's hall.
Speaker 4 (08:31):
I'm Payton. Here's what I got it.
Speaker 1 (08:33):
Do you do that? And I'll do it in my trunk.
I have got the new camera. You got to do this.
Speaker 4 (08:38):
I was gonna do it at my house and like
there's no I don't have like an area I could
do it. Like my house is too messy. I can't expose.
Speaker 1 (08:45):
I can't expose. You don't feel that.
Speaker 5 (08:48):
You gotta be careful and what's in the background exactly?
Speaker 4 (08:50):
Yeah, Like I'm gonna literally bring this big old box
in here and just do it in like a media.
Speaker 1 (08:56):
I will if you do it and then show me
how to do it, I'll do it all the hoodies
I have in my trunk in my backseat.
Speaker 4 (09:00):
All right, I'll work on it all right. Yeah,
Hey, check out our YouTube channel. In fact, something really cool,
like right when the show's over, we broadcast the whole
show on YouTube, so you can watch it live us
in the studio. So go to YouTube search John Jay
and Rich and you can watch us. Hey, Tara, you
have an embarrassing story.
Speaker 2 (00:18):
I do.
Speaker 3 (00:18):
I definitely do what happened. So I'm just saying I
felt like it was the safest option at the time.
So in twenty twenty one, we had a bad snow
and ice storm and I attempted to drive to work.
The first day, nobody was driving. The second day, roads
were clear, people were driving. I could make it, well
(00:40):
I didn't. I mean I did, but I didn't. My
car didn't make it. So I was flying. I started sliding.
I was coming to a red light and it's kind
of a downhill a little bit. And as I started flighting,
I panicked and my light was red, but the other
light was green, and the traffic that was coming to
(01:01):
and from could not see me. I couldn't see them.
I didn't know if there was any vehicles coming, and
I could just imagine my car getting slammed and hit
really hard. Right, So I felt it was safest too.
I jumped out of my car.
Speaker 4 (01:18):
What like, how fast were you going?
Speaker 3 (01:21):
Oh? I mean it was sliding. I wasn't fight It
wasn't fighting real bad, but like when it started going downhill,
it would have and it did whenever I rolled out,
I mean it was I was hardly moving. But once
I rolled out, you know, and I stood up in
my car, it it rolled across the main road into
(01:43):
a pawn shot parking lot.
Speaker 1 (01:44):
Well so didn't hit anybody, No, I.
Speaker 3 (01:47):
Mean it hit one of his cars. It dented it
a little bit.
Speaker 1 (01:51):
But so the embarrassed parties people come out going, why'd
you jump out of your car?
Speaker 4 (01:55):
Weird?
Speaker 5 (01:56):
Yeah?
Speaker 3 (01:57):
Yeah, but I called obviously I punchof wasn't open yet,
so I called the cops and they were like, you
did what.
Speaker 2 (02:05):
I mean, aren't you kind of lucky that your car
didn't slide over you when you were jumping out.
Speaker 1 (02:09):
Of the car.
Speaker 3 (02:10):
Oh yeah, yeah yeah. A lot of people were like,
your car would have ran over you. I was like, no,
So it was flying sideways and at the point where
I had rolled out, it wasn't quite downhill yet. It
was still kind of a you know, straight part of
the road.
Speaker 1 (02:28):
Might this collision sounds like, yeah, well that's a good one. Tarah,
thank you so much for listening.
Speaker 3 (02:34):
Thank you.
Speaker 1 (02:36):
So you know, Peyton's a coach, right, And there's all
kinds of coaches. There's basketball coaches, and there's baseball coaches,
there's talent coaches, there's relationship coaches, love coaches, all kinds
of stuff. But there's a coach rich has I've never
heard of before. Yeah, like a finance some money coach.
I've never heard of that, And you have one.
Speaker 2 (02:57):
I just recently got one because you just Sacy and
I are newly married and we're trying to figure out
how to combine our incomes and pay for household things
and who pays for what if we want to keep
our own separate things. And I found that every time
I had a discussion with Stacy about it, we'd get
just a little bit tense, you know, where maybe we
don't agree on anything. So I'm like, you know what,
(03:19):
if you had a problem, like an emotional problem, you
might go to a counselor. Surely there's a money counselor
for couples. And that's kind of what it is, is it.
Speaker 1 (03:28):
Do you think it's mostly people that are in second
marriages and stuff.
Speaker 2 (03:31):
Well, I actually hired her for my whole family, so
my kids are gonna learn how to save and budget
and all that stuff too. So really what you learn
how to do is budget together. So Stacy wants to
go on a vacation this summer, so instead of it's
just throwing in our credit card, we'll be saving for it.
But it's like a discussion that you have together, which
a lot of people can have on their own. For
(03:51):
whatever reason, Stacy and I don't communicate that way.
Speaker 5 (03:54):
That's like a really important life skill that I like,
don't teach SUTs.
Speaker 1 (03:57):
No, they really don't.
Speaker 2 (03:58):
So we sat down and I honestly was thinking that
the money coach was gonna go off on Stacey for
ordering door Dash too much, that that was gonna be
the big budget And I'm the problem.
Speaker 1 (04:08):
It's me, Hi, I'm the problem with me. What do
you do?
Speaker 2 (04:10):
So I am charged with taking one hundred and fifty
dollars a month out of my budget and you know
what it all is. It's all vitamins that I order
on autoship that now I've got a whole closet full of.
Speaker 1 (04:21):
But you can't take them all at the same time.
Speaker 2 (04:24):
So I went through my list of Coppa Protein Powder,
Athletic Greens, Protandum. I don't even know what that is.
I don't even know what Protandum is, but I ordered
every single month.
Speaker 1 (04:32):
I heard athletic, but expensive.
Speaker 2 (04:34):
They are pretty expensive. So now I have enough packs
that I should be able to make it through at
least the end of the summer. And I'm not kidding,
just cutting that in the apps that I don't use,
like I am not attending the Ken Tamplin Vocal Academy online,
I'm not doing singing lessons on months. That was eighteen
dollars a month, and I cut through some of the
meat vitamins, the whole package that Grant told me about
(04:56):
those vitamins.
Speaker 1 (04:58):
Yeah, I mean the animal organs of the bull test.
Are you still doing now? It was way too expensive.
That was that was like a five day phase you
went through.
Speaker 2 (05:12):
I literally took three bottles of beef organs for probably
a month, and then I just was like, I don't
feel any different.
Speaker 1 (05:18):
Meanwhile, Richie had it on auto ship, so yeah, what
I do. You had a whole calendar.
Speaker 2 (05:22):
Yeah, they had me load up everything into two things.
One of them is called monarch which I think is
a paid app Rocket Money, which I don't think is that. Yeah,
you can put all your stuff in there and let
me tell you that's what you have. Yes just yesterday,
just yesterday, just killing stuff that I don't use. I
have saved two hundred dollars a month. But I'm also
I'm also ashamed that I was just wasting that.
Speaker 1 (05:42):
But do you have somebody to do that for you,
or like, can I just get Rocket app and do
it myself?
Speaker 2 (05:46):
Well, what you do is I forget how each one works,
but you just kind of put in your bank account
and it looks at all your outgoing stuff.
Speaker 1 (05:52):
When I have access to any of that stuf. If
you have a credit card.
Speaker 2 (05:54):
Then you put me So a lot of mine was
going through PayPal. You know, it was kind of automatic.
So I'm like, I don't even think about it.
Speaker 1 (06:00):
I had my wife go to the barber with me
so she could pay.
Speaker 4 (06:03):
Yeah, I think Blake would.
Speaker 2 (06:06):
I don't know any of that stuff, but I recommend
using one of those works. I mean, they're not advertising
either one of them. I'm just saying Monarcha is really
good for your family, and I think Rocket Money is
really good too, if you just want to save.
Speaker 1 (06:16):
What about the coach where the coach? Is the coach
a person that came to your house or is it?
Speaker 2 (06:19):
I know you you just jump online with her name's Ashley.
I couldn't put a p online out. Yeah, it's like
a little figure you have to leave your house.
Speaker 1 (06:25):
Yeah, but I'd rather come over. I'd rather talk to
a person. I don't. I don't want to type.
Speaker 4 (06:29):
Oh maybe you could arrange that.
Speaker 1 (06:31):
No, I don't want to. I don't. I'm fine. I'd
rather Blake's fine. Yeah, she's probably got it all wired.
We mean no, but I know we spend We have
all these apps that were not using I know that.
Speaker 2 (06:40):
Well. I was charged with being a compulsive vitamin buyer.
That's what I was, and I think that's been true
for many years here as you guys know.
Speaker 1 (06:48):
Well, you gotta stay healthy. You got to stay healthy. Man, Well,
I got speaking of money, finance and spending paying, what
did you spend money on?
Speaker 4 (06:55):
Oh? My goodness, so Francesca is it's like a little
boutique that you can find in the malls. They had
like a warehouse sale and it was seventy percent off,
seventy percent off like, that's like unheard of, come on now.
And so I go through and I ordered seven hundred
dollars worth of clothing items, seven hundred dollars worth. I
(07:16):
didn't spend seven hundred dollars, but that's like percent off. Yeah, okay.
Speaker 5 (07:19):
I was like, so I thought you spent seven hundred.
I'm like, that's like twenty one hundred dollars worth of
stuff now a bit more.
Speaker 4 (07:30):
For the discount I ended up spending like with tax
I think like one hundred and forty eight dollars or something.
Speaker 1 (07:35):
Seven stufforth of clothes. Wow.
Speaker 4 (07:38):
And so I finally got my package yesterday and all
of them are so cute, Like I'm so happy with
my purchases, but like, I literally have no room for
seven hundred dollars worth of clothes in my closet. Went
to the mall, No, I heard it online.
Speaker 5 (07:54):
Oh, it's like one day and Payton was like, Kyle
Francesca is having a sale, and I'm like, I can't
spend any money right now.
Speaker 4 (07:59):
This is terrible.
Speaker 1 (08:00):
This is when the sales happened.
Speaker 5 (08:01):
When I like, it's like, no, the holidays has happened,
and she's like.
Speaker 4 (08:04):
My cut is so full, right, now, so you.
Speaker 1 (08:06):
Got it all and you have all this, like what
what is like? Shirts? Pants, jeans? I got a couple
of blouses.
Speaker 4 (08:11):
I got a couple pair of jeans.
Speaker 1 (08:13):
I go every time I say always last.
Speaker 4 (08:18):
Blouses. I got some like winter jacket. You gotta do
a fashion hill soon.
Speaker 1 (08:22):
You gonna do a trunk trial? Would you say I
need to do a try on?
Speaker 4 (08:26):
I know and I and I I yes.
Speaker 5 (08:30):
Because my friend Chesc's hall.
Speaker 4 (08:31):
I'm Payton. Here's what I got it.
Speaker 1 (08:33):
Do you do that? And I'll do it in my trunk.
I have got the new camera. You got to do this.
Speaker 4 (08:38):
I was gonna do it at my house and like
there's no I don't have like an area I could
do it. Like my house is too messy. I can't expose.
Speaker 1 (08:45):
I can't expose. You don't feel that.
Speaker 5 (08:48):
You gotta be careful and what's in the background exactly?
Speaker 4 (08:50):
Yeah, Like I'm gonna literally bring this big old box
in here and just do it in like a media.
Speaker 1 (08:56):
I will if you do it and then show me
how to do it, I'll do it all the hoodies
I have in my trunk in my backseat.
Speaker 4 (09:00):
All right, I'll work on it all right. Yeah,
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