September 4, 2025 • 12 mins
Host of ‘How to Money’ Joel Larsgaard joins the show to talk about customer loyalty, frequency of gambling ads, and what ETF options might be best for you.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Joe Larsgarden who has his show.
Speaker 2 (00:03):
He's the host of how to Money Sunday twelve to
two pm here on KFI. I social address at how
to Money Joel his website howtomoney dot com.
Speaker 1 (00:15):
Do I have that right, Joel? That's it? You got
to right? Okay, Well this is the first time I've
gotten it right? Wow? After everything?
Speaker 2 (00:22):
Yeah, first time for everything? All right, let's get right
into it. Customer loyalty. I'm a big fan of customer
loyalty programs. Why because I get deals all the time.
I was at Ralph's yesterday and I picked up some
Snapple and normally it's three ninety nine these big bottles,
and it was two ninety nine if you are a
(00:45):
loyal customer with the card, so I think it works
for me. However, maybe it really doesn't work for me.
You want to explain that.
Speaker 3 (00:57):
Yeah, So I do think in some cases being a
loyal customer can offer some benefits, right, And yeah you might.
If you've got the card that goes with the grocery store,
then you might get a better price. But really that's
just that their attempt at getting a hook in you
so that you don't go anywhere else And interestingly enough,
(01:17):
like when you look at some of a bunch of
different business models, the businesses actually enjoy your loyalty and
they don't really reward you for it. So they actually
tend to take advantage of you the longer you've been
a customer, because what they realize is that you are
in this inertia bias zone where you're like, I'm you know,
the way my life is is great. I'm not planning
(01:38):
on changing anything up, and because of that, you end
up spending more than you otherwise would. So if you're
hyper loyal to an airline, for instance, yeah, you might
get certain perks for being loyal to that airline. You
might get to board the airline a little bit quicker, right,
a little bit earlier in the boarding process. You might
get you might be able to accrue miles on that
specific airline. But what they're really trying to do is
(02:01):
to get you to never think about booking elsewhere and
paying more for tickets by just knee jerk booking with them.
It's not just airlines. I mean, it's a bunch of
different businesses that are like this. I was just talking
with a friend this week about his cell phone service,
and he's with one of the big cell phone companies,
and he was like, I mean, yeah, but I get
the phone. And we were just talking about, well, how
much money could you save if you were to switch?
(02:23):
One hundred bucks a month? More than one hundred bucks
a month is what he was able to save by switching.
He did it, but most people don't. And I guess
I'm just saying that loyalty, the blind loyalty to many
companies we do business with, is actually costing us money.
Speaker 2 (02:35):
Yeah, so here is the question because here I will
go back to Ralphs. All right, so certain items at
Ralph's I'm getting a better deal because I'm a loyal customer.
Speaker 1 (02:45):
What are the alternatives?
Speaker 2 (02:46):
I go to Pavilions, I go to Gelson's, which is
ridiculously expensive. But the only way to really save money
is to shop and look at the items you want
over a series of store And the case of airlines
is simply look at the best price, and if you're lucky,
(03:08):
you get procedures, you get well, you get early boarding,
you can go to the you can go to the lounge.
Speaker 1 (03:15):
That sort of thing.
Speaker 2 (03:16):
So what I'm saying is, in the end, if you
know what you're doing. The loyalty programs work, I would think.
Speaker 3 (03:26):
Okay, so some of them do right, And like, for instance,
when you're talking about where you shop for groceries, I
think shopping the sales flyers right can be helpful ahead
of time. So there's a site flip dot com flipp
two ps and you can like type in your zip
code and find the stores nearby. And you might be
shocked as saying, well, I'm getting this deal at rafts
(03:48):
two ninety nine for this beverage, but I didn't realize
that Aldi was actually selling it for a dollar ninety
nine and I didn't need no loyalty required. And so
I think shopping around can help you at least be
aware instead of staying in that sale in vain of
doing business with the same company on repeat. And insurance
companies are one of the prime companies that take advantage
of this. They it's like the frog and boiling water,
(04:10):
and as the water heats up, you stay put. And
they're like, we're just gonna keep bratching up those price increases.
And you think, man, I've been a loyal customer, I'm
probably getting a pretty good deal. And the truth is,
what's happening is those insurance companies are saying, you're, the
more loyal you are, the more we're going to charge you.
The more you shop around, the more you're gonna save,
and so bouncing around from insurance company to insurance company.
(04:33):
It might not always make sense, but at least getting
those quotes every couple of years makes a lot of sense,
because if you are just kind of stuck in your
ways and you're like you just you think of it
almost as like a badge of honor that you've been
with the same insurance company for twenty or thirty years.
You're the one who's paying for it.
Speaker 2 (04:47):
Yeah, I get that all the time on handling law.
I've been with them for twenty five years and they're
dropping me. Yeah, and I've done nothing wrong. Well, it
depends on geography, it depends on income, it depends on.
Speaker 1 (04:58):
Your record, all kinds of things.
Speaker 2 (05:00):
Insurance is probably the best example of shopping shop shop
shop insurance because it changes every year. It changes in
terms of what it's going to cost you and I agree.
Speaker 3 (05:14):
So they think about just how loyal people are too,
like Amazon, and it's just it's because it's easy. It's
not necessarily because it saves them the most money or
and because of that, like we spend more than we
otherwise would. And we're just like knee jerk buying stuff.
And I think we think of that as loyalty. And
the businesses that we're doing that we're you know, buying
(05:35):
stuff from, they thrive on our intense loyalty. And so
I guess I'm just saying call them the question how
loyal you are to certain companies, Maybe you'd be better
off reconsidering how you're you're super close ties with some
of those companies that you do business with.
Speaker 2 (05:50):
All right, a staff that you sent to me, which
I'm going really gambling ads can be seen every thirteen
seconds during major sporting events.
Speaker 3 (06:02):
Yeah, wow, it was shocking. It was a study done
specifically right after the Stanley Cup finals. And yeah, when
you're when you're watching at some points during the game,
whether it's an advertisement, that's just like and think about
how advertisements of inundated live sports they're coming at you
from every which way, whether it's on a jersey now
(06:23):
or on the billboards lining the sidelines in a soccer game,
or yeah, in the case of hockey, it's you know,
along the outer side of the rink, and and then
just you know, the actual commercials themselves too. And so
we've seen sports gambling just think about where it started
just a few years back, and now the proliferation of companies,
the advertisements, and I think really what we're seeing at
(06:46):
this point is the full normalization of sports gambling. And
it's particularly predatory towards towards young men who are are
betting in much higher numbers, which makes complete sense. And
then you see the the actual downstream effects of that.
A decent chunk of young men who have participated in
sports gambling are saying, hey, I'm actually addicted, I have
(07:09):
some I have some issues with this, and man, it
creates a lot of financial problems and relational problems the
whole nine yards.
Speaker 2 (07:16):
Are we going to see these ads during the Super
Bowl coming up? Uh?
Speaker 1 (07:22):
Yeah, I think we will.
Speaker 3 (07:25):
And I think like there's just there's just the amount
of money that these companies stand to make by and
think about to Bill back in the day, if you
if you wanted to gamble, you had to go to
Vegas or you had to do something like incredibly illegal
in order to access like the kind of people you
had to run with in order to gamble on your
(07:46):
favorite sports teams. They were CD folks, right, and now
it's just at your fingertips on your phone, gambling when
whenever you want, and of course, like you can hide
it so much easier. It's gonna lead, it's gonna make it.
It's gonna make it far more or likely that people
are gonna develop gambling problems because of just the ease
of access and the way they make it sound like
it's fun, Like it's like playing candy Crush on your phone,
(08:08):
but this this.
Speaker 1 (08:10):
Version, cause if it can cost you a lot of
money to play.
Speaker 3 (08:13):
That, right, yeah, this you know, I don't care if
you pay five bucks for candy Crush on your phone,
but if you're regularly gambling. And there's just also this
like male sort of mentality I think sometimes where they're like, man,
of course, I know which running back is gonna run
for the most yards this Sunday. Or you just have
this perspective you have to think you know more than
you do oftentimes about which players are gonna do what,
(08:35):
and that you have some sort of edge.
Speaker 1 (08:37):
But the edge, of course always goes to the house.
Speaker 2 (08:40):
Okay, let's finish up with ETF options. I've never understood ETFs. Ever,
you want to explain first of all what they are,
or explain it to me, because I just sort of
don't get it and I don't understand it. It's almost like,
you know, cryptocurrency. I'm going, really, but it's a real thing.
So let's talk about ETF options.
Speaker 3 (09:02):
Yeah, So I'm I am totally a fan of ets.
It has they have actually made investing easier for investors everywhere.
And basically you can ETFs comes and come in all
shapes and sizes, and so you instead of a mutual
fund version of let's say, an index fund, you can
(09:23):
have an exchange traded fund version of an index fund
and it just trades more like a stock, and so
it just it makes it easy.
Speaker 1 (09:32):
It's a one stop.
Speaker 3 (09:32):
Shop for people to invest in a well diversified manner.
Speaker 1 (09:38):
What's an ETF an exchange traded fund?
Speaker 3 (09:41):
So it's basically it's a collection of a bunch of
different stocks in one basket. So you can say, but
here's the problem, and here's the rub, and the thing
that's frustrating me about the ETF market right now is
that there's been this proliferation of ets. I'm down with
ETFs and what they're trying to do and simplifying trading
and reducing the cost of trading for investors and making
(10:02):
it easier to be diversified. Instead of let's say you
had to buy every single stock in the S and
P five hundred individually.
Speaker 1 (10:07):
That's a chore.
Speaker 3 (10:09):
If you can buy one ETF that buys the whole basket,
and that makes it super simple.
Speaker 1 (10:12):
So that's really cool. But the problem is, go ahead.
Speaker 3 (10:15):
The problem is now that there are thousands and thousands
of ETFs available to us, so there's this choice overload,
and really for most people, a dozen choices is plenty.
And so when you think about that, there are more ETFs,
more exchange traded funds that are essentially baskets of different
slicing and dicing of stocks. There are three dozen artificial
(10:38):
intelligence ETFs out there that you can choose from now,
three dozen, Like, is that really necessary? Well, it is
if you are a one of these Wall Street firms
trying to make money. But as an individual investor, most
of these, this proliferation of ETFs, most of it doesn't
matter to you, shouldn't matter to you, And some of
my favorites are the most basic low cost ETFs that
(10:59):
you can access through any of the best low cost
brokerage companies.
Speaker 2 (11:03):
By the way, it seems like you've just been describing
a mutual fund across the board.
Speaker 3 (11:09):
So ETFs are essentially the new version of mutual funds, right,
They just are easier to trade, and they have come
with lower costs of come alongside with the invention of ETFs.
But yeah, I mean they are kind of like the
new version of what a mutual fund used to be.
Speaker 2 (11:28):
Okay, yeah, I just mutual funds do the same thing
my opinion, They buy different stocks. You buy sectors of
sock stocks. You can, I mean, there's thousands and thousands
of them. So, and by the way, how hard is
it to establish a mutual fund?
Speaker 1 (11:45):
You make a phone call and you send them a check.
Speaker 3 (11:47):
So you don't really do that anymore, bill most of
the time, right, you can just log into your account
and you can place that order.
Speaker 1 (11:54):
Yeah, I don't understand.
Speaker 2 (11:55):
Yeah, when I use the term you can write them
a check, I don't.
Speaker 1 (11:59):
I wire the end.
Speaker 2 (12:00):
So yeah, yeah, I'm a dinosaur.
Speaker 3 (12:02):
I guess what I'm saying. What I want people to
realize is that, hey, you might have an abundance of
ETFs to choose from, but really there's only a select
few that makes sense for most people. And so maybe
don't let that choice overload cause you to go in
the wrong direction. Do your research and make sure I'm
a fan of the S and P five hundred or
the total stock market ETFs that are really low cost
(12:26):
and those make a lot of sense for a lot
of people.
Speaker 2 (12:28):
All Right, Joel will catch you on Sunday, How to Money,
twelve to two pm.
Speaker 1 (12:34):
All right, thanks Bale. Good one.
Joe Larsgarden who has his show.
Speaker 2 (00:03):
He's the host of how to Money Sunday twelve to
two pm here on KFI. I social address at how
to Money Joel his website howtomoney dot com.
Speaker 1 (00:15):
Do I have that right, Joel? That's it? You got
to right? Okay, Well this is the first time I've
gotten it right? Wow? After everything?
Speaker 2 (00:22):
Yeah, first time for everything? All right, let's get right
into it. Customer loyalty. I'm a big fan of customer
loyalty programs. Why because I get deals all the time.
I was at Ralph's yesterday and I picked up some
Snapple and normally it's three ninety nine these big bottles,
and it was two ninety nine if you are a
(00:45):
loyal customer with the card, so I think it works
for me. However, maybe it really doesn't work for me.
You want to explain that.
Speaker 3 (00:57):
Yeah, So I do think in some cases being a
loyal customer can offer some benefits, right, And yeah you might.
If you've got the card that goes with the grocery store,
then you might get a better price. But really that's
just that their attempt at getting a hook in you
so that you don't go anywhere else And interestingly enough,
(01:17):
like when you look at some of a bunch of
different business models, the businesses actually enjoy your loyalty and
they don't really reward you for it. So they actually
tend to take advantage of you the longer you've been
a customer, because what they realize is that you are
in this inertia bias zone where you're like, I'm you know,
the way my life is is great. I'm not planning
(01:38):
on changing anything up, and because of that, you end
up spending more than you otherwise would. So if you're
hyper loyal to an airline, for instance, yeah, you might
get certain perks for being loyal to that airline. You
might get to board the airline a little bit quicker, right,
a little bit earlier in the boarding process. You might
get you might be able to accrue miles on that
specific airline. But what they're really trying to do is
(02:01):
to get you to never think about booking elsewhere and
paying more for tickets by just knee jerk booking with them.
It's not just airlines. I mean, it's a bunch of
different businesses that are like this. I was just talking
with a friend this week about his cell phone service,
and he's with one of the big cell phone companies,
and he was like, I mean, yeah, but I get
the phone. And we were just talking about, well, how
much money could you save if you were to switch?
(02:23):
One hundred bucks a month? More than one hundred bucks
a month is what he was able to save by switching.
He did it, but most people don't. And I guess
I'm just saying that loyalty, the blind loyalty to many
companies we do business with, is actually costing us money.
Speaker 2 (02:35):
Yeah, so here is the question because here I will
go back to Ralphs. All right, so certain items at
Ralph's I'm getting a better deal because I'm a loyal customer.
Speaker 1 (02:45):
What are the alternatives?
Speaker 2 (02:46):
I go to Pavilions, I go to Gelson's, which is
ridiculously expensive. But the only way to really save money
is to shop and look at the items you want
over a series of store And the case of airlines
is simply look at the best price, and if you're lucky,
(03:08):
you get procedures, you get well, you get early boarding,
you can go to the you can go to the lounge.
Speaker 1 (03:15):
That sort of thing.
Speaker 2 (03:16):
So what I'm saying is, in the end, if you
know what you're doing. The loyalty programs work, I would think.
Speaker 3 (03:26):
Okay, so some of them do right, And like, for instance,
when you're talking about where you shop for groceries, I
think shopping the sales flyers right can be helpful ahead
of time. So there's a site flip dot com flipp
two ps and you can like type in your zip
code and find the stores nearby. And you might be
shocked as saying, well, I'm getting this deal at rafts
(03:48):
two ninety nine for this beverage, but I didn't realize
that Aldi was actually selling it for a dollar ninety
nine and I didn't need no loyalty required. And so
I think shopping around can help you at least be
aware instead of staying in that sale in vain of
doing business with the same company on repeat. And insurance
companies are one of the prime companies that take advantage
of this. They it's like the frog and boiling water,
(04:10):
and as the water heats up, you stay put. And
they're like, we're just gonna keep bratching up those price increases.
And you think, man, I've been a loyal customer, I'm
probably getting a pretty good deal. And the truth is,
what's happening is those insurance companies are saying, you're, the
more loyal you are, the more we're going to charge you.
The more you shop around, the more you're gonna save,
and so bouncing around from insurance company to insurance company.
(04:33):
It might not always make sense, but at least getting
those quotes every couple of years makes a lot of sense,
because if you are just kind of stuck in your
ways and you're like you just you think of it
almost as like a badge of honor that you've been
with the same insurance company for twenty or thirty years.
You're the one who's paying for it.
Speaker 2 (04:47):
Yeah, I get that all the time on handling law.
I've been with them for twenty five years and they're
dropping me. Yeah, and I've done nothing wrong. Well, it
depends on geography, it depends on income, it depends on.
Speaker 1 (04:58):
Your record, all kinds of things.
Speaker 2 (05:00):
Insurance is probably the best example of shopping shop shop
shop insurance because it changes every year. It changes in
terms of what it's going to cost you and I agree.
Speaker 3 (05:14):
So they think about just how loyal people are too,
like Amazon, and it's just it's because it's easy. It's
not necessarily because it saves them the most money or
and because of that, like we spend more than we
otherwise would. And we're just like knee jerk buying stuff.
And I think we think of that as loyalty. And
the businesses that we're doing that we're you know, buying
(05:35):
stuff from, they thrive on our intense loyalty. And so
I guess I'm just saying call them the question how
loyal you are to certain companies, Maybe you'd be better
off reconsidering how you're you're super close ties with some
of those companies that you do business with.
Speaker 2 (05:50):
All right, a staff that you sent to me, which
I'm going really gambling ads can be seen every thirteen
seconds during major sporting events.
Speaker 3 (06:02):
Yeah, wow, it was shocking. It was a study done
specifically right after the Stanley Cup finals. And yeah, when
you're when you're watching at some points during the game,
whether it's an advertisement, that's just like and think about
how advertisements of inundated live sports they're coming at you
from every which way, whether it's on a jersey now
(06:23):
or on the billboards lining the sidelines in a soccer game,
or yeah, in the case of hockey, it's you know,
along the outer side of the rink, and and then
just you know, the actual commercials themselves too. And so
we've seen sports gambling just think about where it started
just a few years back, and now the proliferation of companies,
the advertisements, and I think really what we're seeing at
(06:46):
this point is the full normalization of sports gambling. And
it's particularly predatory towards towards young men who are are
betting in much higher numbers, which makes complete sense. And
then you see the the actual downstream effects of that.
A decent chunk of young men who have participated in
sports gambling are saying, hey, I'm actually addicted, I have
(07:09):
some I have some issues with this, and man, it
creates a lot of financial problems and relational problems the
whole nine yards.
Speaker 2 (07:16):
Are we going to see these ads during the Super
Bowl coming up? Uh?
Speaker 1 (07:22):
Yeah, I think we will.
Speaker 3 (07:25):
And I think like there's just there's just the amount
of money that these companies stand to make by and
think about to Bill back in the day, if you
if you wanted to gamble, you had to go to
Vegas or you had to do something like incredibly illegal
in order to access like the kind of people you
had to run with in order to gamble on your
(07:46):
favorite sports teams. They were CD folks, right, and now
it's just at your fingertips on your phone, gambling when
whenever you want, and of course, like you can hide
it so much easier. It's gonna lead, it's gonna make it.
It's gonna make it far more or likely that people
are gonna develop gambling problems because of just the ease
of access and the way they make it sound like
it's fun, Like it's like playing candy Crush on your phone,
(08:08):
but this this.
Speaker 1 (08:10):
Version, cause if it can cost you a lot of
money to play.
Speaker 3 (08:13):
That, right, yeah, this you know, I don't care if
you pay five bucks for candy Crush on your phone,
but if you're regularly gambling. And there's just also this
like male sort of mentality I think sometimes where they're like, man,
of course, I know which running back is gonna run
for the most yards this Sunday. Or you just have
this perspective you have to think you know more than
you do oftentimes about which players are gonna do what,
(08:35):
and that you have some sort of edge.
Speaker 1 (08:37):
But the edge, of course always goes to the house.
Speaker 2 (08:40):
Okay, let's finish up with ETF options. I've never understood ETFs. Ever,
you want to explain first of all what they are,
or explain it to me, because I just sort of
don't get it and I don't understand it. It's almost like,
you know, cryptocurrency. I'm going, really, but it's a real thing.
So let's talk about ETF options.
Speaker 3 (09:02):
Yeah, So I'm I am totally a fan of ets.
It has they have actually made investing easier for investors everywhere.
And basically you can ETFs comes and come in all
shapes and sizes, and so you instead of a mutual
fund version of let's say, an index fund, you can
(09:23):
have an exchange traded fund version of an index fund
and it just trades more like a stock, and so
it just it makes it easy.
Speaker 1 (09:32):
It's a one stop.
Speaker 3 (09:32):
Shop for people to invest in a well diversified manner.
Speaker 1 (09:38):
What's an ETF an exchange traded fund?
Speaker 3 (09:41):
So it's basically it's a collection of a bunch of
different stocks in one basket. So you can say, but
here's the problem, and here's the rub, and the thing
that's frustrating me about the ETF market right now is
that there's been this proliferation of ets. I'm down with
ETFs and what they're trying to do and simplifying trading
and reducing the cost of trading for investors and making
(10:02):
it easier to be diversified. Instead of let's say you
had to buy every single stock in the S and
P five hundred individually.
Speaker 1 (10:07):
That's a chore.
Speaker 3 (10:09):
If you can buy one ETF that buys the whole basket,
and that makes it super simple.
Speaker 1 (10:12):
So that's really cool. But the problem is, go ahead.
Speaker 3 (10:15):
The problem is now that there are thousands and thousands
of ETFs available to us, so there's this choice overload,
and really for most people, a dozen choices is plenty.
And so when you think about that, there are more ETFs,
more exchange traded funds that are essentially baskets of different
slicing and dicing of stocks. There are three dozen artificial
(10:38):
intelligence ETFs out there that you can choose from now,
three dozen, Like, is that really necessary? Well, it is
if you are a one of these Wall Street firms
trying to make money. But as an individual investor, most
of these, this proliferation of ETFs, most of it doesn't
matter to you, shouldn't matter to you, And some of
my favorites are the most basic low cost ETFs that
(10:59):
you can access through any of the best low cost
brokerage companies.
Speaker 2 (11:03):
By the way, it seems like you've just been describing
a mutual fund across the board.
Speaker 3 (11:09):
So ETFs are essentially the new version of mutual funds, right,
They just are easier to trade, and they have come
with lower costs of come alongside with the invention of ETFs.
But yeah, I mean they are kind of like the
new version of what a mutual fund used to be.
Speaker 2 (11:28):
Okay, yeah, I just mutual funds do the same thing
my opinion, They buy different stocks. You buy sectors of
sock stocks. You can, I mean, there's thousands and thousands
of them. So, and by the way, how hard is
it to establish a mutual fund?
Speaker 1 (11:45):
You make a phone call and you send them a check.
Speaker 3 (11:47):
So you don't really do that anymore, bill most of
the time, right, you can just log into your account
and you can place that order.
Speaker 1 (11:54):
Yeah, I don't understand.
Speaker 2 (11:55):
Yeah, when I use the term you can write them
a check, I don't.
Speaker 1 (11:59):
I wire the end.
Speaker 2 (12:00):
So yeah, yeah, I'm a dinosaur.
Speaker 3 (12:02):
I guess what I'm saying. What I want people to
realize is that, hey, you might have an abundance of
ETFs to choose from, but really there's only a select
few that makes sense for most people. And so maybe
don't let that choice overload cause you to go in
the wrong direction. Do your research and make sure I'm
a fan of the S and P five hundred or
the total stock market ETFs that are really low cost
(12:26):
and those make a lot of sense for a lot
of people.
Speaker 2 (12:28):
All Right, Joel will catch you on Sunday, How to Money,
twelve to two pm.
Speaker 1 (12:34):
All right, thanks Bale. Good one.
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I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com