October 27, 2025 • 7 mins
See omnystudio.com/listener for privacy information.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to another episode. Oh, I tell you what I
did the responsible thing over the weekend. Did you guys
do the responsible thing over the weekend?
Speaker 2 (00:06):
What was that?
Speaker 1 (00:07):
I'll bet you didn't do the responsible thing over the weekend.
And you should do the responsible thing sooner than later, Sam,
because you're gonna be having a baby here in like
two three weeks.
Speaker 2 (00:15):
I am. Oh, gosh, don't remind me. I don't understand.
What did you do?
Speaker 1 (00:19):
What are we supposed to do? I?
Speaker 2 (00:21):
Can you give me more context?
Speaker 1 (00:22):
You should know this, yes, and you should know this.
This should be on the front of your mind, especially
right now moving forward. Turn the clocks. No, that's let's
this coming. That sucks? I know. Yeah, that's a whole
other thing. What anybody guessing? Everybody's doing it right now? Everybody,
everybody listening should be doing it right now. If you're
(00:44):
if you are, you know, if you're employed on a
full time basis.
Speaker 2 (00:49):
We're employed the same benefit.
Speaker 1 (00:52):
Yes, take you over a minute to get there open enrollment?
Speaker 3 (00:57):
Nah, fine it no, it's not heyet it actually actually
I saw something about I don't know if this is
everybody or if.
Speaker 1 (01:04):
It's just hard how to extend it?
Speaker 2 (01:07):
No, no, no, no, no, listen.
Speaker 3 (01:08):
I'm actually I am more on top things than you
give me credit for sometimes, so thank.
Speaker 1 (01:13):
You for that.
Speaker 3 (01:16):
But no, I saw somewhere I think that there's something
about this year. If you don't like go in and
manually do it, it'll just roll over to whatever you had.
Speaker 1 (01:22):
Don't count on that. You who's is your baby going
to be covered under?
Speaker 2 (01:30):
We have not looked ato that.
Speaker 3 (01:32):
But I don't have the baby yet, So how like
that's kind of the crazy timing of it. How do
I go in and apply it, like do my benefits
and stuff? But then if I'm going to have a.
Speaker 1 (01:40):
Baby, life change that you can go in and do
once you have the child, But you want to make
sure that you've got everything lined up just in case
your baby waits until January first.
Speaker 2 (01:52):
I got major problems this.
Speaker 1 (01:56):
Way wrong.
Speaker 2 (01:57):
I don't, they don't.
Speaker 1 (01:58):
We should all get this open enrollment. You gotta go
do your open enrollment, did you. Here's my guy, Lauren
does it?
Speaker 2 (02:06):
Lauren doesn't.
Speaker 1 (02:07):
He's Lauren does everything for him. Hers is better than ours.
Everyone needs easy? Come on now, careful.
Speaker 2 (02:13):
I don't mind her name.
Speaker 1 (02:16):
I don't think it's bad.
Speaker 2 (02:17):
Yeah, I don't have any complaints.
Speaker 1 (02:20):
I think it's better than it's ever been. Yeah, I
think back in the day, I remember it being pretty rough.
Anesthetic was a brick to the head. I'm just happy
it was still like five hundred dollars copay, you know.
Speaker 3 (02:32):
I'm just happy to have benefits. There was a time
in my life where I did not have benefits with work.
Speaker 1 (02:38):
Most in radio don't.
Speaker 3 (02:39):
Yeah, and uh, And I just remember thinking, like just
telling people like, yeah, my my requirements for dating a
guy is that he's got health insurance.
Speaker 2 (02:47):
That was pretty much, oh, you have health insurance, all right.
Speaker 3 (02:51):
Just wanted to not be a dirtbag and have health insurance,
and that was pretty tough.
Speaker 2 (02:55):
Hawthorn got her.
Speaker 1 (02:58):
Like blue cross, blue shield, you're required.
Speaker 3 (03:01):
Luckily for me, by by the time I met Hawthorne,
I had my own health insurance.
Speaker 1 (03:05):
Your requirements for dating a guy, yeah, was health insurance.
Speaker 2 (03:08):
I had a low bar.
Speaker 1 (03:10):
He had health insurance. Yeah, well, how does that affect you?
Speaker 2 (03:14):
Well, because I feel like you're not married.
Speaker 1 (03:16):
If you're dating, you don't get any benefits of the
health insurance.
Speaker 3 (03:19):
Yeah, but eventually I might. And then also I just
feel like if you have a job that he has
health insurance, you're probably somebody pretty responsible. Yeah, like you
got a good job at that point.
Speaker 1 (03:28):
Well, not everybody does.
Speaker 2 (03:30):
I don't know.
Speaker 3 (03:30):
I mean, if you have benefits, you generally have a
decent job.
Speaker 1 (03:34):
No, absolutely, I think you have decent job if you're
all working and contributing no matter what. Yeah, you're Yeah,
but you should find a way to have some benefits
in case the you know, the worst case scenario happens,
but open enrollment. If so, you don't even have to
do it. So my guy's out of the conversation. But wait,
you do it. You get all the stuff out of
the way. It's slick. It gives you all the stuff
(03:55):
that you have. It's like, okay, this is what you
currently have. You and just keep going. And I know
you're just gonna get that at that time.
Speaker 2 (04:00):
That's not true.
Speaker 3 (04:01):
I'm actually very attentive when I am doing my benefits
and when I'm doing things.
Speaker 2 (04:06):
I don't know, like I don't I'm actually pretty responsible
with that stuff.
Speaker 1 (04:09):
I've never known you to be.
Speaker 2 (04:10):
I know. But when it comes to like benefits, I'm
not ripping you.
Speaker 1 (04:13):
I'm just talking about normally you don't get this stuff
done that it overlaps. Oh, you know, all those little
tests and things that we have to do, the f
SEC requirements, all that stuff. You never get it done
on time. You get on this hit list email corporate
and it calls you out and it says Sam san
severe and old caps. And I'm not lying either, by
the way.
Speaker 2 (04:31):
The attention, yeah is obsessed with me.
Speaker 1 (04:35):
You make it sure that you get your benefits done
because you're having a baby. You're gonna need the benefits
and all that kind of stuff. So but when you
go in, they're gonna it's like buying a car. Do
you want the little three M coding on the front hood,
you know? Do you want your uh, the alloy wheels?
You know? I do want to change the tread. Seriously,
they changed a lot because well they just have more offers.
(04:58):
They offer, like, you want one time life insurance? Do
you want two times? Okay, that's gonna be a wellness
check and it's gonna be like fifteen bucks a month
or something like that. Do you want to do this?
Do you want pet insurance? It offers pet insurance.
Speaker 2 (05:10):
I know it does.
Speaker 3 (05:11):
I've looked into it, but I didn't really I haven't
opted for it.
Speaker 1 (05:14):
It offers like some kind of thing if you go
to the hospital, some kind of hospital insurance. I mean,
all sorts of all these little knickknack things. Yeah, and
you just that's the part where I'm just going no, no, no, no, no, no,
no no.
Speaker 2 (05:27):
No, yeah, that's pretty much what I do.
Speaker 1 (05:29):
I mean, if you lose a finger, it's worth like
fifty bucks or something like that, that kind of stuff.
Speaker 3 (05:33):
For all of the appointments that I've had this year
being pregnant, I am not close to touching my deductible.
Speaker 2 (05:38):
How is that even possible?
Speaker 1 (05:40):
Wow?
Speaker 2 (05:41):
Isn't that crazy?
Speaker 1 (05:41):
That is amazing?
Speaker 2 (05:43):
Wild?
Speaker 1 (05:44):
Are you doing it right?
Speaker 2 (05:47):
I don't know.
Speaker 1 (05:50):
Something's weird there.
Speaker 2 (05:52):
I don't know.
Speaker 1 (05:52):
But you've had an appointment every like seems like every week.
Speaker 2 (05:55):
I've had so many appointments, and you.
Speaker 1 (05:57):
Haven't met the deductible, not even like. This is why
I asked this question.
Speaker 2 (06:05):
This is why no bills.
Speaker 1 (06:08):
You probably have a card when you're working at KQ
that expires in no, it's covered.
Speaker 3 (06:15):
I pay my bills like I'm paying money, but my
deductible is not even close.
Speaker 1 (06:22):
All right, this conversation is now going off.
Speaker 3 (06:24):
So there's the there's there's the out of pocket amounts, right,
and then there's the deductible.
Speaker 1 (06:30):
You have a high deductible. You do have you have
a and so you use an HSA. I'm sure, No,
we don't.
Speaker 3 (06:36):
Touch our HSA because I just want that. Oh no,
like we're trying to build it.
Speaker 1 (06:40):
Sure you can invest that too. Put that investments.
Speaker 2 (06:43):
Yeah, I know, we talked about that, so I gave.
Speaker 1 (06:45):
It the I even told you some some funds.
Speaker 3 (06:47):
Yeah, and I told you I'm not going to touch it.
That's Hawthorne's job. I am a very irrespond.
Speaker 1 (06:51):
But if you're not going to touch it, don't sit
it there, sit in there, let it flat line, let
it grow. Put it in investments.
Speaker 2 (06:56):
It's growing baby stuff.
Speaker 1 (06:57):
Yeah, you need investments. We're talking. We're going to make
this conversation off. I don't think you're insured. You're just
spending all this I am. I brought this up open
and rollment for everybody. Make sure to do your open
and rollment. Not all of them. I don't know if
they just default to what you had. Do your open
enrollment so you're not woe up like Sam spending hundreds
of thousands of dollars out of pocket just trying to
(07:20):
have a baby. Something's wrong. I'm like, I can't set
the mics off fast enough. I gotta get this figured out.
Thanks for listening to this episode. Up I tell you what,
You'll get more on the iHeartRadio app. Anywhere you get
your podcast. Please rate, review, subscribe, download, chair and like.
Thanks
Welcome to another episode. Oh, I tell you what I
did the responsible thing over the weekend. Did you guys
do the responsible thing over the weekend?
Speaker 2 (00:06):
What was that?
Speaker 1 (00:07):
I'll bet you didn't do the responsible thing over the weekend.
And you should do the responsible thing sooner than later, Sam,
because you're gonna be having a baby here in like
two three weeks.
Speaker 2 (00:15):
I am. Oh, gosh, don't remind me. I don't understand.
What did you do?
Speaker 1 (00:19):
What are we supposed to do? I?
Speaker 2 (00:21):
Can you give me more context?
Speaker 1 (00:22):
You should know this, yes, and you should know this.
This should be on the front of your mind, especially
right now moving forward. Turn the clocks. No, that's let's
this coming. That sucks? I know. Yeah, that's a whole
other thing. What anybody guessing? Everybody's doing it right now? Everybody,
everybody listening should be doing it right now. If you're
(00:44):
if you are, you know, if you're employed on a
full time basis.
Speaker 2 (00:49):
We're employed the same benefit.
Speaker 1 (00:52):
Yes, take you over a minute to get there open enrollment?
Speaker 3 (00:57):
Nah, fine it no, it's not heyet it actually actually
I saw something about I don't know if this is
everybody or if.
Speaker 1 (01:04):
It's just hard how to extend it?
Speaker 2 (01:07):
No, no, no, no, no, listen.
Speaker 3 (01:08):
I'm actually I am more on top things than you
give me credit for sometimes, so thank.
Speaker 1 (01:13):
You for that.
Speaker 3 (01:16):
But no, I saw somewhere I think that there's something
about this year. If you don't like go in and
manually do it, it'll just roll over to whatever you had.
Speaker 1 (01:22):
Don't count on that. You who's is your baby going
to be covered under?
Speaker 2 (01:30):
We have not looked ato that.
Speaker 3 (01:32):
But I don't have the baby yet, So how like
that's kind of the crazy timing of it. How do
I go in and apply it, like do my benefits
and stuff? But then if I'm going to have a.
Speaker 1 (01:40):
Baby, life change that you can go in and do
once you have the child, But you want to make
sure that you've got everything lined up just in case
your baby waits until January first.
Speaker 2 (01:52):
I got major problems this.
Speaker 1 (01:56):
Way wrong.
Speaker 2 (01:57):
I don't, they don't.
Speaker 1 (01:58):
We should all get this open enrollment. You gotta go
do your open enrollment, did you. Here's my guy, Lauren
does it?
Speaker 2 (02:06):
Lauren doesn't.
Speaker 1 (02:07):
He's Lauren does everything for him. Hers is better than ours.
Everyone needs easy? Come on now, careful.
Speaker 2 (02:13):
I don't mind her name.
Speaker 1 (02:16):
I don't think it's bad.
Speaker 2 (02:17):
Yeah, I don't have any complaints.
Speaker 1 (02:20):
I think it's better than it's ever been. Yeah, I
think back in the day, I remember it being pretty rough.
Anesthetic was a brick to the head. I'm just happy
it was still like five hundred dollars copay, you know.
Speaker 3 (02:32):
I'm just happy to have benefits. There was a time
in my life where I did not have benefits with work.
Speaker 1 (02:38):
Most in radio don't.
Speaker 3 (02:39):
Yeah, and uh, And I just remember thinking, like just
telling people like, yeah, my my requirements for dating a
guy is that he's got health insurance.
Speaker 2 (02:47):
That was pretty much, oh, you have health insurance, all right.
Speaker 3 (02:51):
Just wanted to not be a dirtbag and have health insurance,
and that was pretty tough.
Speaker 2 (02:55):
Hawthorn got her.
Speaker 1 (02:58):
Like blue cross, blue shield, you're required.
Speaker 3 (03:01):
Luckily for me, by by the time I met Hawthorne,
I had my own health insurance.
Speaker 1 (03:05):
Your requirements for dating a guy, yeah, was health insurance.
Speaker 2 (03:08):
I had a low bar.
Speaker 1 (03:10):
He had health insurance. Yeah, well, how does that affect you?
Speaker 2 (03:14):
Well, because I feel like you're not married.
Speaker 1 (03:16):
If you're dating, you don't get any benefits of the
health insurance.
Speaker 3 (03:19):
Yeah, but eventually I might. And then also I just
feel like if you have a job that he has
health insurance, you're probably somebody pretty responsible. Yeah, like you
got a good job at that point.
Speaker 1 (03:28):
Well, not everybody does.
Speaker 2 (03:30):
I don't know.
Speaker 3 (03:30):
I mean, if you have benefits, you generally have a
decent job.
Speaker 1 (03:34):
No, absolutely, I think you have decent job if you're
all working and contributing no matter what. Yeah, you're Yeah,
but you should find a way to have some benefits
in case the you know, the worst case scenario happens,
but open enrollment. If so, you don't even have to
do it. So my guy's out of the conversation. But wait,
you do it. You get all the stuff out of
the way. It's slick. It gives you all the stuff
(03:55):
that you have. It's like, okay, this is what you
currently have. You and just keep going. And I know
you're just gonna get that at that time.
Speaker 2 (04:00):
That's not true.
Speaker 3 (04:01):
I'm actually very attentive when I am doing my benefits
and when I'm doing things.
Speaker 2 (04:06):
I don't know, like I don't I'm actually pretty responsible
with that stuff.
Speaker 1 (04:09):
I've never known you to be.
Speaker 2 (04:10):
I know. But when it comes to like benefits, I'm
not ripping you.
Speaker 1 (04:13):
I'm just talking about normally you don't get this stuff
done that it overlaps. Oh, you know, all those little
tests and things that we have to do, the f
SEC requirements, all that stuff. You never get it done
on time. You get on this hit list email corporate
and it calls you out and it says Sam san
severe and old caps. And I'm not lying either, by
the way.
Speaker 2 (04:31):
The attention, yeah is obsessed with me.
Speaker 1 (04:35):
You make it sure that you get your benefits done
because you're having a baby. You're gonna need the benefits
and all that kind of stuff. So but when you
go in, they're gonna it's like buying a car. Do
you want the little three M coding on the front hood,
you know? Do you want your uh, the alloy wheels?
You know? I do want to change the tread. Seriously,
they changed a lot because well they just have more offers.
(04:58):
They offer, like, you want one time life insurance? Do
you want two times? Okay, that's gonna be a wellness
check and it's gonna be like fifteen bucks a month
or something like that. Do you want to do this?
Do you want pet insurance? It offers pet insurance.
Speaker 2 (05:10):
I know it does.
Speaker 3 (05:11):
I've looked into it, but I didn't really I haven't
opted for it.
Speaker 1 (05:14):
It offers like some kind of thing if you go
to the hospital, some kind of hospital insurance. I mean,
all sorts of all these little knickknack things. Yeah, and
you just that's the part where I'm just going no, no, no, no, no, no,
no no.
Speaker 2 (05:27):
No, yeah, that's pretty much what I do.
Speaker 1 (05:29):
I mean, if you lose a finger, it's worth like
fifty bucks or something like that, that kind of stuff.
Speaker 3 (05:33):
For all of the appointments that I've had this year
being pregnant, I am not close to touching my deductible.
Speaker 2 (05:38):
How is that even possible?
Speaker 1 (05:40):
Wow?
Speaker 2 (05:41):
Isn't that crazy?
Speaker 1 (05:41):
That is amazing?
Speaker 2 (05:43):
Wild?
Speaker 1 (05:44):
Are you doing it right?
Speaker 2 (05:47):
I don't know.
Speaker 1 (05:50):
Something's weird there.
Speaker 2 (05:52):
I don't know.
Speaker 1 (05:52):
But you've had an appointment every like seems like every week.
Speaker 2 (05:55):
I've had so many appointments, and you.
Speaker 1 (05:57):
Haven't met the deductible, not even like. This is why
I asked this question.
Speaker 2 (06:05):
This is why no bills.
Speaker 1 (06:08):
You probably have a card when you're working at KQ
that expires in no, it's covered.
Speaker 3 (06:15):
I pay my bills like I'm paying money, but my
deductible is not even close.
Speaker 1 (06:22):
All right, this conversation is now going off.
Speaker 3 (06:24):
So there's the there's there's the out of pocket amounts, right,
and then there's the deductible.
Speaker 1 (06:30):
You have a high deductible. You do have you have
a and so you use an HSA. I'm sure, No,
we don't.
Speaker 3 (06:36):
Touch our HSA because I just want that. Oh no,
like we're trying to build it.
Speaker 1 (06:40):
Sure you can invest that too. Put that investments.
Speaker 2 (06:43):
Yeah, I know, we talked about that, so I gave.
Speaker 1 (06:45):
It the I even told you some some funds.
Speaker 3 (06:47):
Yeah, and I told you I'm not going to touch it.
That's Hawthorne's job. I am a very irrespond.
Speaker 1 (06:51):
But if you're not going to touch it, don't sit
it there, sit in there, let it flat line, let
it grow. Put it in investments.
Speaker 2 (06:56):
It's growing baby stuff.
Speaker 1 (06:57):
Yeah, you need investments. We're talking. We're going to make
this conversation off. I don't think you're insured. You're just
spending all this I am. I brought this up open
and rollment for everybody. Make sure to do your open
and rollment. Not all of them. I don't know if
they just default to what you had. Do your open
enrollment so you're not woe up like Sam spending hundreds
of thousands of dollars out of pocket just trying to
(07:20):
have a baby. Something's wrong. I'm like, I can't set
the mics off fast enough. I gotta get this figured out.
Thanks for listening to this episode. Up I tell you what,
You'll get more on the iHeartRadio app. Anywhere you get
your podcast. Please rate, review, subscribe, download, chair and like.
Thanks
Popular Podcasts
Las Culturistas with Matt Rogers and Bowen Yang
Ding dong! Join your culture consultants, Matt Rogers and Bowen Yang, on an unforgettable journey into the beating heart of CULTURE. Alongside sizzling special guests, they GET INTO the hottest pop-culture moments of the day and the formative cultural experiences that turned them into Culturistas. Produced by the Big Money Players Network and iHeartRadio.
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.