October 21, 2025 • 6 mins
Amy talks with the host of ‘How to Money’ Joel Larsgaard about 5G home internet, accidental landlording, and car wash subscriptions.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Let's say good morning now to the host of How
to Money on KFI. It's very own Joel lars Guard.
Speaker 2 (00:05):
Morning, Joel morning, Amy.
Speaker 1 (00:07):
Okay, so five G home internet is becoming a big thing.
Should we bite?
Speaker 2 (00:16):
So that's a good question. I mean, I think five
G home internet is really cool, and it's just nice
to have another competitor in the space because typically in
most of the country it's been like a duopoly, like
there aren't many choices, and when you're pitting just two
companies against each other in order to try to get
(00:38):
the lowest rate, they're often not nearly as willing to budge.
And so we've seen this because of technology and just
we've seen some basically growth of a third competitor that
started with like T Mobile and Verizon, and they've offered
reduced rate home internet service through five G and you
don't have to pay extra for the heart wear and
(01:00):
stuff like that. And then even now the NB and o's,
the mobile virtual network operators, the super cheap cell phone
companies that I'm a fan of, are getting in on
on this industry, and so Mint Mobile in particular, they
just launched five G at home internet service. And if
you are a mint Mobile customer. You can get it
for thirty bucks a month, which is pretty great. I
(01:21):
think that's like less than half of the average cost
of what most people pay every month for home internet.
And some people might be saying, well, it's five G,
Like how fast? How fast is it going to be?
It's not going to be the riproar and fast speeds
that I'm used to. Well, it's it's going to be
based on what Mint Mobile shows on their website and
everything I've seen and heard, we're talking about one hundred
and fifty megs up to four hundred megs of speed,
(01:42):
which is more than sufficient for most people.
Speaker 1 (01:44):
Okay, So now you just got my little brain whirling
around because thirty bucks for a high speed I've got
like fiber optic and it's like eighty dollars a month.
And then if you go for mint Mobile, and I
know that Ryan Reynolds, who I love, has been talking
about the fifteen dollars a month plan versus like like
(02:05):
two hundred, Right, that's a huge savings.
Speaker 2 (02:09):
Yeah, and that's one of the I've mint Mobile. I've loved.
They essentially were the great disruptor in the cell phone space.
They were the first MV and O to be able
to get essentially wide attention. That's probably because in many
ways because of Ryan's incredible marketing skills and their low costs,
like they did such a good job at bringing costs
(02:29):
down for consumers on cell phone service. And so that's
just one of those things I go back to the
well on continually is to get people to really think
about what they're paying for their monthly cell phone service.
But then when you think, wow, I get a monthly
cell phone service and home internet that's pretty fast, and
I don't have any of these ancillary, ridiculous fees or
anything to consider, and I can get both of those
(02:50):
for less than the cost of what I'm paying for
just home internet. Right now, you know, we're talking about
the average person being able to save probably eighty two
one hundred and twenty bus a month, and you're talking
about over one thousand dollars a year. I think it
starts to make switching, especially if you're doing two things
at the same time, far more worth it.
Speaker 1 (03:09):
This is the one that might push me over the edge.
Is mobile service reliable?
Speaker 2 (03:14):
It is so mint Mobile is on the T Mobile network,
and if you're worried and you're like, eh, T Mobile's
not great where I am, Well, probably my favorite mb
and O is US Mobile because you can pick any
of the three major networks to be on and you
can switch. If you're like, ey, this one's not working
out great, you can switch to a different one on
US Mobile. And the US Mobile prices are even better
(03:37):
than the Mint Mobile prices most of the time. So
I think those are both great options. But I'm a
big fan of US Mobile right now. It's almost like
it's not like you're you're getting a better price, but
you're not really giving up anything, and in fact, most
of the time you're getting something superior.
Speaker 1 (03:53):
Okay, So we were just talking about subscriptions to everything,
and we can add car washes to that list, which
reminds me, I need to go get a car wash
today because I have a car wash subscription.
Speaker 2 (04:04):
If you got the subscription, you better use it. You may, right,
And yeah, no, this is one of those categories that's
growing significantly. People are signing up for the car washed subscription.
Understandably because when you go to the car wash now
my local car wash, it used to be like, no joke,
five bucks for a wash, and I was like this
is incredible. Nobody charges five bucks anymore. And then they
(04:25):
they they're doing something that a bunch of different car
wash locations are doing. They significantly raise the price of
a single wash to make it just under the price
of a monthly subscription, trying to push you over into
getting that subscription. And the reason is they want you
to pay like clockwork every single month. They want that
recurring income and then they know they're going to get
paid whether or not you come in to get a wash.
(04:47):
And the truth is, people who get those subscriptions, they
do tend to, on average, get their car washed more often.
But this is just one of those things where I
think you have to pay real close attention and say, well,
is this, you know, eighteen twenty two dollars a month whatever,
if you're gone byeing the fancy car washes even more
than that, is it worth three hundred and fifty dollars
a year or whatever? Then I'm paying to get my
(05:08):
car washed regularly or is this something either one I'm
not taking advantage of or two because I have the subscription,
I find myself going so often to get my car washed,
and it's become a huge waste of my time. Every
business wants subscription, recurring subscription revenue from you, and you
have to. Like I signed up for Netflix to watch
one show with my wife and then we've literally watched
(05:30):
one episode in like three weeks. We just haven't had
the time, and I'm like, I'm canceling it. We're just
not going to finish this show. But you know, of
course netlis oh it was what was it called Crash
Crash Land Into Me or something like that. It's like
a Korean initial Korean show that I'd heard about from
like twenty nineteen, and I was like, oh, this looks
really interesting, like somebody from South Korea lands across the
(05:50):
border in North Korea and I was like that sounds
really interesting.
Speaker 1 (05:53):
That doesn't interesting, but just haven't had the time to watch.
Speaker 2 (05:56):
And so I'm like, I don't know. I I'll have
to sign up in one month where I can binge
the whole series then cancel again. We're just so so
many of us are not paying attention to our spending,
not paying close enough attention, not going over you know,
our credit card statements to say, oh wait a second,
I am I'm still paying for Netflix and I'm not
watching or I am still paying for the car wash
subscription and I haven't been going, and we find it
(06:20):
harder to cancel than it is obviously to sign up.
Speaker 1 (06:22):
Yeah, I'm definitely guilty of that. Okay, So you want
to have Joel help you think more about how you're
spending your money like he just did with us, You
can listen to how to Money with Joel Larsgard every
Sunday from noon to to such great advice. You can
also follow him at how to Money Joel.
Speaker 2 (06:38):
Joel.
Speaker 1 (06:38):
Of course, we ran out of time before we got
to talking about accidental landlording, so we'll have to save
that again. But thank you so much next time. All right,
have a great day you too, Thanks Anne. Right,
Let's say good morning now to the host of How
to Money on KFI. It's very own Joel lars Guard.
Speaker 2 (00:05):
Morning, Joel morning, Amy.
Speaker 1 (00:07):
Okay, so five G home internet is becoming a big thing.
Should we bite?
Speaker 2 (00:16):
So that's a good question. I mean, I think five
G home internet is really cool, and it's just nice
to have another competitor in the space because typically in
most of the country it's been like a duopoly, like
there aren't many choices, and when you're pitting just two
companies against each other in order to try to get
(00:38):
the lowest rate, they're often not nearly as willing to budge.
And so we've seen this because of technology and just
we've seen some basically growth of a third competitor that
started with like T Mobile and Verizon, and they've offered
reduced rate home internet service through five G and you
don't have to pay extra for the heart wear and
(01:00):
stuff like that. And then even now the NB and o's,
the mobile virtual network operators, the super cheap cell phone
companies that I'm a fan of, are getting in on
on this industry, and so Mint Mobile in particular, they
just launched five G at home internet service. And if
you are a mint Mobile customer. You can get it
for thirty bucks a month, which is pretty great. I
(01:21):
think that's like less than half of the average cost
of what most people pay every month for home internet.
And some people might be saying, well, it's five G,
Like how fast? How fast is it going to be?
It's not going to be the riproar and fast speeds
that I'm used to. Well, it's it's going to be
based on what Mint Mobile shows on their website and
everything I've seen and heard, we're talking about one hundred
and fifty megs up to four hundred megs of speed,
(01:42):
which is more than sufficient for most people.
Speaker 1 (01:44):
Okay, So now you just got my little brain whirling
around because thirty bucks for a high speed I've got
like fiber optic and it's like eighty dollars a month.
And then if you go for mint Mobile, and I
know that Ryan Reynolds, who I love, has been talking
about the fifteen dollars a month plan versus like like
(02:05):
two hundred, Right, that's a huge savings.
Speaker 2 (02:09):
Yeah, and that's one of the I've mint Mobile. I've loved.
They essentially were the great disruptor in the cell phone space.
They were the first MV and O to be able
to get essentially wide attention. That's probably because in many
ways because of Ryan's incredible marketing skills and their low costs,
like they did such a good job at bringing costs
(02:29):
down for consumers on cell phone service. And so that's
just one of those things I go back to the
well on continually is to get people to really think
about what they're paying for their monthly cell phone service.
But then when you think, wow, I get a monthly
cell phone service and home internet that's pretty fast, and
I don't have any of these ancillary, ridiculous fees or
anything to consider, and I can get both of those
(02:50):
for less than the cost of what I'm paying for
just home internet. Right now, you know, we're talking about
the average person being able to save probably eighty two
one hundred and twenty bus a month, and you're talking
about over one thousand dollars a year. I think it
starts to make switching, especially if you're doing two things
at the same time, far more worth it.
Speaker 1 (03:09):
This is the one that might push me over the edge.
Is mobile service reliable?
Speaker 2 (03:14):
It is so mint Mobile is on the T Mobile network,
and if you're worried and you're like, eh, T Mobile's
not great where I am, Well, probably my favorite mb
and O is US Mobile because you can pick any
of the three major networks to be on and you
can switch. If you're like, ey, this one's not working
out great, you can switch to a different one on
US Mobile. And the US Mobile prices are even better
(03:37):
than the Mint Mobile prices most of the time. So
I think those are both great options. But I'm a
big fan of US Mobile right now. It's almost like
it's not like you're you're getting a better price, but
you're not really giving up anything, and in fact, most
of the time you're getting something superior.
Speaker 1 (03:53):
Okay, So we were just talking about subscriptions to everything,
and we can add car washes to that list, which
reminds me, I need to go get a car wash
today because I have a car wash subscription.
Speaker 2 (04:04):
If you got the subscription, you better use it. You may, right,
And yeah, no, this is one of those categories that's
growing significantly. People are signing up for the car washed subscription.
Understandably because when you go to the car wash now
my local car wash, it used to be like, no joke,
five bucks for a wash, and I was like this
is incredible. Nobody charges five bucks anymore. And then they
(04:25):
they they're doing something that a bunch of different car
wash locations are doing. They significantly raise the price of
a single wash to make it just under the price
of a monthly subscription, trying to push you over into
getting that subscription. And the reason is they want you
to pay like clockwork every single month. They want that
recurring income and then they know they're going to get
paid whether or not you come in to get a wash.
(04:47):
And the truth is, people who get those subscriptions, they
do tend to, on average, get their car washed more often.
But this is just one of those things where I
think you have to pay real close attention and say, well,
is this, you know, eighteen twenty two dollars a month whatever,
if you're gone byeing the fancy car washes even more
than that, is it worth three hundred and fifty dollars
a year or whatever? Then I'm paying to get my
(05:08):
car washed regularly or is this something either one I'm
not taking advantage of or two because I have the subscription,
I find myself going so often to get my car washed,
and it's become a huge waste of my time. Every
business wants subscription, recurring subscription revenue from you, and you
have to. Like I signed up for Netflix to watch
one show with my wife and then we've literally watched
(05:30):
one episode in like three weeks. We just haven't had
the time, and I'm like, I'm canceling it. We're just
not going to finish this show. But you know, of
course netlis oh it was what was it called Crash
Crash Land Into Me or something like that. It's like
a Korean initial Korean show that I'd heard about from
like twenty nineteen, and I was like, oh, this looks
really interesting, like somebody from South Korea lands across the
(05:50):
border in North Korea and I was like that sounds
really interesting.
Speaker 1 (05:53):
That doesn't interesting, but just haven't had the time to watch.
Speaker 2 (05:56):
And so I'm like, I don't know. I I'll have
to sign up in one month where I can binge
the whole series then cancel again. We're just so so
many of us are not paying attention to our spending,
not paying close enough attention, not going over you know,
our credit card statements to say, oh wait a second,
I am I'm still paying for Netflix and I'm not
watching or I am still paying for the car wash
subscription and I haven't been going, and we find it
(06:20):
harder to cancel than it is obviously to sign up.
Speaker 1 (06:22):
Yeah, I'm definitely guilty of that. Okay, So you want
to have Joel help you think more about how you're
spending your money like he just did with us, You
can listen to how to Money with Joel Larsgard every
Sunday from noon to to such great advice. You can
also follow him at how to Money Joel.
Speaker 2 (06:38):
Joel.
Speaker 1 (06:38):
Of course, we ran out of time before we got
to talking about accidental landlording, so we'll have to save
that again. But thank you so much next time. All right,
have a great day you too, Thanks Anne. Right,
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