Episode Transcript
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Speaker 1 (00:04):
Hey, everybody, Welcome to the Christen Agopian Show. Shout outs
from everybody here in Studio B as we connect with
our two hundred plus stations coast to coast via the
BIZ Talk Radio and BBS Radio Networks. Greetings to you all.
This week's show is brought to you by our caring
sponsors at Elite Rehab. Because everyone knows a family that's
(00:26):
fighting the effects of today's substance abuse epidemic. That is
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(00:47):
their sake and for yours. Eight hundred nine three two
four zero a two. Guys, it is a gorgeous, gorgeous
day here in our area. No doubt. It's getting a
little or springtime like for you guys too. I am
getting seriously in the springtime spirit. It's getting brighter out.
(01:08):
It's not crazy dark at four pm the way it
felt like it was in the dead of winter. And
I love this anticipation as springtime starts to kind of
come nearer and nearer each day. This week's show, we're
going to be focusing completely on all of the huge
benefits of spring, not only mentally and physically, but financially
and fiscally, with some frugal ways to save some serious
(01:31):
cash this spring, because spring feels like to me and
maybe for you guys too, the perfect time of year
to get serious about saving. You know, it's a time
for like new beginnings. You've got the whole Easter connection,
all this various stuff going on, mother nature and your
wallet all looking for a fresh start. Okay, So if
you're still recovering from your holiday spending, and I'm getting
(01:55):
emails and text from people that would suggest exactly that,
or you're going to wonder maybe how you're going to
afford that upcoming summer vacation if you've already gone into
planning stages for that, if you're way ahead of me,
you planned a bunch of summer plans, you got no
idea how you're going to pay for him? Right now,
have a listen, hang out for a bit, because we've
got some serious ideas, especially considering your motivation to cut
(02:17):
back a bit so you can get ahead for the summer.
Here's how we get it done, in no particular order,
and a lot of this was sent in by various
listeners too. Number one one of the biggest things people
send to me, and I'm talking about city dwellers, county dwellers,
suburban dwellers, country dwellers. This is the time of year.
You want to save some serious, serious cash, think about
(02:40):
planting a garden this year. This is when we start planning.
This by far the best way to save money on
fresh produce. And I'm talking organic, good for your body,
good for your mind, good for your soul, grow it yourself.
And I'm talking here's the funny part. I get so
much mail, email, texts, Facebook, feedback from people with very
(03:01):
urban addresses saying how much they love to garden. So
this is a big thing. I love this stuff. It
doesn't have to be food. It can be it can
be herbs, it can be flowers. There's something about just
putting your hands in the dirt and growing something. It's
a beautiful thing. And not only that, but growing your
own food, even small amounts, very good for your finances,
(03:22):
very good for your health, and as an added bonus,
it is an outstanding activity to do with any kids
in your life, if you've got nieces and nephews, your
own kids, grandkids, neighborhood kids. Gardening it's not a dying art,
but it's something that kids of all ages really seem
to get into. You think to yourself, you're gonna drag
(03:42):
your feet man, garden, I'm gonna get my hands dirty.
Then you get into the garden and you start planting
stuff and you got to drag people out because it's
that appealing. Get it done. Not only that, here's some
serious money saving tips. Gardening also benefits your emotional health.
All right. We've talked about this before, whether you're talking
flowers or food or herbs or whatever. Because when you're
(04:04):
working hard on something in the fresh air, with purpose
and literally reaping what you sew, it has a huge
calming effect on the human body. How much would you
pay for that? Guess what? It's free when you go
out and do plant a couple of flower seeds, Guys,
plant some veggies, plant some fabulousness, plant some herbs, whatever
(04:27):
rings your bell, get a couple of tomato plants going.
I'm telling you right now, serious feeling of accomplishment that
you're going to reap the entire spring summer into the
early fall. Start small. If you, guys, haven't done this yet,
If you don't have a garden waiting for you to
get going this spring, start something, but start it small.
The biggest mistake a lot of gardeners do is they
(04:48):
start off with like I'm going to have a half
acre of garden. Now, start off with something small. A
corner of your yard devoted to a garden. You don't
even need a yard. There are so many people doing
just potted big pots of dirt, and they're growing these huge,
exploding tomato trees out of these beautiful pots. That's the
kind of thing I'm talking about. A deck, a patio, anything,
(05:12):
even an apartment balcony can be enough for a hanging
tomato plant and some herbs. That's the kind of thing
I'm talking about. Start small, Next up, start some spring cleaning, guys.
I already hit Goodwill a couple of times this past
week I was running errands. I was able to make
it in there. There are people far more organized than
I am, going through their houses and just packing up,
(05:35):
you know, quilts and clothes and books and furniture and shoes,
and you know what, it is. I think. I think
it's people who are finally putting away a lot of
their holiday gifts, or they're using them and they're realizing, Hey,
you know what, I don't need this set of dishes anymore.
I just got new. I don't need these picture frames
anymore because I just got new. Or I don't need
this electronic anymore because I just got new. You get
(05:57):
the point. Get yourself around, found your house into a
closet that you haven't seen for a while, your front
haul closet, your clothes closet, your spouse's closet, your kid's closets.
Bring a garbage bag with you and start stocking it up.
Stuff it with all of these various clothes that you
just don't need anymore, and start recording everything. Guys, for
(06:20):
your serious tax returns. I'm telling you right now, do
a spring cleaning, do a purge. I'm talking all the
way up to furniture, all right, and it just feels
so dang good I can't begin to tell you. All right,
Next up, with the weather getting nicer wherever you are
in this country, the weather's getting more appealing, all right,
throw open the windows and get some serious spring cleaning done.
(06:42):
What do I mean? Here's what I mean. Just get
some fresh air into the house. First of all, you're
gonna think christt's a little silly, you know, whatever, I'll
find I'll open the windows. You throw open those windows.
That first burst of fresh air that comes into your house,
you're gonna be like, oh my god, you got to
open up all the windows, Get all the windows opened up,
Get all that winter time January February air out of there,
(07:03):
Get some fresh March air in there. It is a beautiful,
beautiful thing. And instead of spending tons of money on
cleaning supplies and organization tools, try making them yourself because
it's effortless and it's easy, and it's inexpensive as heck. Now, personally,
I get a lot of my cleaning materials from my
(07:25):
discount gourmet grocery because they have like these top notch
window cleaners, all these other cleaners, even stuff I can
put into my deep cleaning vacuum. It's beautiful. If you
haven't experimented with cleaning with baking soda or salt and vinegar,
your mind will be blown. If you've got some crazy
stains going around, Guys in the workshop, you know, in
(07:47):
the kitchen anywhere. Try seriously, not all these expensive, ridiculous chemicals.
Just try some vinegar and baking soda. Make a paste
out of it. If you really want to do a
shock in all plastering of this kind to paste on anything,
any kind of stains or craziness, or if you just
want to clean with it, do like a four to
one vinegar or an eight to one vinegar mixed like
(08:10):
a you know, one cup of vinegar to eight cups
of water. I'm telling you right now, there's no chemicals,
there's no smell, there's no nuttiness, and it works beautifully.
Your windows will never look that good, all right. It's
even more incredible that not only do they work better
than a lot of standard cleaners, but they're at like
a fraction of the price. Okay, I am so not
(08:31):
an expert cleaner at all. I clean my sink with
baking soda and vinegar paste. It's fantastic. I use a
spray for my counters of vinegar and water as well
as all of the various glass cleaners I get at
the discount grocery. Here is something that you might find handy.
If you guys have a cureig, a coffee maker like
(08:51):
that I do not, or humidifier or a dishwasher like
I do. Let your spring cleaning this year, if it's
big or if it's small, include putting a nice little
dose of vinegar into your dishwasher. You're gonna be amazed
into your cureig. My mother in law has one. She
loves putting a little bit of vinegar in there for
a little spring cleaning. Apparently it helps everything. You gotta
(09:14):
love it. Next up, and this is another one straight
from the listeners. Clean out your closet. Clean out your
closet for your clothing, your shoes. We talked about this
briefly before. Then go into your kitchen, clean out underneath
the stove. You've got twenty five pans under your stove.
You use three of them. Think about throwing some of
those into the goodwill basket as well, into the goodwill
(09:36):
bag as well, and then record everything for your taxes.
People forget to do that, and you are throwing money
out your door. I still know some magnificent old school
frugal you know miestros out there, the ninjas who are
planning a huge garage sale when the weather gets really
dependently nice. I am in awe of those amazing, magnific
(10:00):
and people. I truly am, because I'm just not going
to be a garage sale type. We live in more
of a rural area that and I'm lazy, so it's
just not a good combo. So I'm taking everything i
want to get rid of and I'm sending it to
goodwill and writing it off on my taxes because that's
money in the bank as well. You guys might have
another idea, who knows, but I'm here to tell you
(10:20):
springtime not only does it just kind of scream at
us to start, I don't know, a little more fresh air,
a little more time outside, just sort of brand new
stuff about to grow right out of the ground. Let's
kind of clear the grounds just a bit by getting
rid of all the old and get ready for all
of the new. That's what I'm talking about with spring.
(10:40):
It's a time of new beginnings for your finances, for
your home, for your health. It's a beautiful thing. And
the time is fly And we'll be right back right
after this not too and we are back with the
(11:10):
Christian Agophian Show. And I've been looking so forward to
this next guest because this is a catchphrase that is
here to stay, and that is AI. And while I'm
always a big fan of learning about what AI can
do for us, you know, the red flags, the great
amazing leaps forward in so many different types of technology,
(11:30):
there's one thing that I had not considered, and that
is how it's going to impact us when it comes
to medical advice and medical care and AI in you know,
amidst all the other things. It's changing up it's changing
visits to your doctor. And I really wanted to pick
the brain of our next guest here because I see
this honestly as net net a very very good thing.
(11:54):
And joining us via our newsmaker line, doctor Robert Bob Murray,
chief medical officer at next Gen Healthcare, is joining us
and kind of debunking the myths and sharing with us
all of the upside of this, and we couldn't wait
to have them on the air with us today. Welcome doctor,
how are you today?
Speaker 2 (12:09):
I'm doing great, Kristin. Thank you for having me.
Speaker 1 (12:11):
It's a pleasure. Now. If there's one thing that is
changing at light speed and I feel like I'm never
quite on the cutting edge of it, it's medical care.
It's medical breakthroughs, it's medical anything you name. I want
to learn more and more about it, but it seems
like it's just going light years ahead of me at
all times. So this was a fantastic opportunity to connect
(12:32):
with you and talk about AI. Tell us a little
bit about what your recent work with AI and the
medical communities work with AI is netting and how it's
going to benefit us all is in the months, years,
weeks to come.
Speaker 2 (12:47):
Sure and Kristin, I agree with you. This technology that
I'll tell you about is really a win win. So
let's start. I think a lot of your audience will
be familiar with the experience of they go to the
doctor trying to explain what's going on, and the doctor
has his or her head buried in the computer or
is typing away, right I mean. And so what we
(13:09):
at Nextchen Healthcare are providing is AI powered technology that
allows a different experience in the exam room. So with
this one, the doctor is going to use her or
his smartphone. It's going to ambiently listen to the normal
conversation that you're able to have with your doctor. The
doctor's really not looking at the computer. They're paying attention
(13:29):
to you as the patient, and at the end of
the visit, AI is able to take that conversation, that
listened to conversation and turn it into the start of
the note for the doctor. That's why the doctor was
typing all that stuff because they thought that they had
to remember it or capture all those details. But AI
is able to capture that stuff put it in the note,
(13:50):
and then that frees up the doctor to not pay
attention to the computer, pay attention to you as the
patient and make sure that you could really be engaged
and have the healthcare providers full attention. It's great, and
make that visit more engaging, more productive.
Speaker 1 (14:05):
Oh my gosh, that is such a good point. And
I'm taking notes as we're talking here because I hadn't
considered that, but oh my gosh. Yeah, all of the
after behind the scenes work, after hours where you're taking
tons and tons of notes, and this can do that
for you. That's a fantastic tool for doctors to have.
And don't get me wrong, every doctor I've ever had,
whether it was pediatricians for my kids, or obstetricians or
(14:29):
you know, maternity nurses, doctors, everything, every single one of
them has been a home run. I've never had a
dud ever. I've been very, very blessed, And you just
think to yourself again and you're very kind. Hey, take
notes and ask your doctor anything. You already hear how
chatty I am. And I'm the first one to clamb up,
So you know it's going to be a problem forever
(14:50):
for patients to do that. But I love this whole
AI bit because I honestly feel like it is going
to help the doctors in their tireless efforts to make
healing and everything else you know, dem miss, But it's
really going to help the normally chatty patients like myself,
who then you know, like I lost a bet with God,
completely clam up when I walk into that office. So
(15:10):
everyone's a winner with that. Here's one of the biggest
concerns when I was putting the word out on social
media that I was connecting with you. One of the
biggest concerns people seem to have with AI. And this
is every type of AI, whether it's having your al
Exa open the doors for you on the house or
whatever else, it's privacy concerns. Right, You're sharing all of
(15:31):
this information, especially now medical information with AI and You're like,
you know what, this is going to wind up in
the wrong hands. This is going to wind up, you know,
being some kind of a prank coming back at me
twenty years from now. How do we address people's concerns
on privacy because again, all of the patients out there
that you might have, they're like me, extremely unknowledgeable when
(15:53):
it comes to AI. I don't know what's safe. I
don't know how it's safeguarded. I don't know if it's
easy to pick the lock. I don't know what is
address my and all of our listeners coast to coast
our privacy concerns on this. How is that taken care
of with this new AI?
Speaker 2 (16:06):
Yeah, that's a great question. I love by the way
that you spelled out Alexa because we don't want you
don't want to activate everyone's device at home. But no,
it's a great it's a great question about privacy. Now.
The way that we at next Gen Healthcare bring ambient
listening to the offices across the country that we supply
it to, actually privacy should not be a concern that
the patient has because the way we do it that
(16:29):
that listened to conversation is used immediately all it does
is help the doctor by creating the start of the note,
and then it's erased. It's not stored, it's not going
to show up in some big tech companies database, it's
not used to train AI. It's gone. And so that's
great because you know that's exactly what you want. You
don't need to worry about, you know, holding back in
(16:53):
a conversation that you're having with your provider, which of
course is exactly what the provider hopes that you can do.
I think in general, private see concerns with AI are
significant and every individual use of it really needs to
address it. And back to medical uses. If you, as
a patient have concerns about the way that you know
(17:13):
your doctor is using technology or really doing anything, ask right,
the doctor ought to know the answers. If not, somebody
at their practice should know the answers. The doctor and
the healthcare provider. They want to be with you as
a team to come up with a plan to make
you feel better. And so if you have those concerns,
please please voice them.
Speaker 1 (17:32):
I love that, and it's so true. And again you're
always the best at this because you completely demystify this stuff.
And I think net net it's going to help all
of our beloved, hardest working doctors out there maybe get
a little more you know, free time to do the
other things that they love. And I think it's going
to free up and kind of open up everybody who's
afraid to say anything out loud to their doctors. That's brilliant.
(17:53):
AI is here to stay and net net it is
a very good thing. So tell us a little bit more.
Where can we find out more about this? I knew
the time would fly.
Speaker 2 (18:02):
Well, I think anyone here is we welcome to go
to our website to next Gen Healthcare. It's NextGen dot com.
Our ambient listening tool is called Ambient Assist and they
can find out more about it there and they can
also ask their doctor the next time. If you happen
to be one of those patients who's doctor is kind
of buried in the computer, they say, hey, you know,
I heard that there's some you know, technology out there
that can help with that. Have you heard about that?
(18:23):
Because a lot of times we get our best ideas
as physicians from our patients, So feel free to voice
that if you're brave during the.
Speaker 1 (18:32):
Visit brilliant, I promise I will be braver. You always
instill bravery in me when we have our chats on this,
and I love it. We will one hundred percent do
that again. I knew the time would fly, Doctor Bob Murray.
It's always a pleasure. You got an open mic anytime.
Be well, and here's to a healthy springtime.
Speaker 2 (18:48):
For all, same for you, and thanks so much for
having me.
Speaker 1 (18:50):
You bet, and we'll be right back dang right after this.
Speaker 3 (19:00):
Stood ball cheap in circumstance, curse my hands to be
a come y person in a nobody land, signed by
We'll all survive. I just gotta learn to recall the
my mother loved love.
Speaker 4 (19:29):
I'm let the sheep. You understand. I'm just a cat
rist person in a love ba just life.
Speaker 3 (19:38):
Excuse my shoes, and they don't quite think they have
a special offer, and they goodly a bit. Even my
trousers are keeping my face.
Speaker 4 (19:50):
They will chee.
Speaker 1 (19:59):
And we are back with the kristin a Gopian show.
And whether you're checking credit scores or browsing travel discounts
or managing anything auto loans, home loans, these days, your
mobile banking app can do it all. And according to
a recent survey, you're ready for these numbers. Guys, nearly
eighty percent of us check it weekly and we're doing
(20:20):
more than just simple transactions, and that's not going to
change anytime soon. It can be a real godsend, it
can be a real time saver, and it can be
a little bit intimidating. And here to join us to
break it all down. Author and financial guru Yana le
Espinal joining us via our Newsmaker line to tell more
about a crash course in making the most of your
(20:41):
digital banking sign me up and how to maximize digital
financial tools to help you save a little time, a
little money, and maybe just a little sanity while you're
at it. How are you doing today, Hi, Christin.
Speaker 4 (20:52):
I'm so excited. I'm loving your energy.
Speaker 1 (20:54):
Well, I'm loving what you have to offer with these
financial apps because you know what, I fall into the
category where I'm very confident with my money management skills,
but I know there are always more tools that I
can utilize to put the more to work for me
where I'm saving a little time and still saving money,
where I'm saving a little bit of energy and I'm
saving money at the same time. These apps are not
(21:17):
going away anytime soon for good reason because they're doing
a lot for people, but people are still intimidated by it.
I'm right there at the front of the list. So
when it comes to these apps, you've got your book,
you've got your social media platform. You clearly are a
person in the know that I can kind of pick
your brain a bit with this. Talk to me a
bit about how people learned about personal finance with these
(21:39):
apps in a fun, engaging way. People log onto this
app you're talking about and they're hooked. Tell me a
few tips you can share maybe with this to help
us start our own path to financial success without getting
intimidated by all these apps at the same time.
Speaker 5 (21:53):
Yeah, well, you know, I would say I would frame
it this way. I would say that the financial tools
and apps that you can use digitally are really an
extension of your written financial plan. So I always say
you got to start with a written money plan. Don't
think that you can just key track of everything.
Speaker 4 (22:10):
In your head.
Speaker 5 (22:11):
That is a trap that's called mental accounting, and let
me tell you it does not work. So you know,
the best thing you can do to get started is
write down the specific money goals that you have, no
matter how big or small. Like you know how much
income do I want to earn this year, how much
do I want to save this week? How much do
I plan to invest this month? Even maybe the specific
credit score that you want to reach, because you know
(22:33):
that's the starting point.
Speaker 4 (22:35):
But then it's easier today than ever to start.
Speaker 5 (22:38):
Using digital tools and like a mobile banking app to
basically help you organize and manage all of those different
money goals and really reach them a lot easier.
Speaker 1 (22:47):
You know what, You're right, and I'm taking notes as
we're talking here. You're bringing up so many good points
because it's true. You know, people want to make this
easier for them. They're not sure how to start. They
see other people using these apps and doing it very successfully,
you know, people who they thought maybe it would be
intimidated by it too. So it's starting to grow in popularity.
Talk to me a bit about ways we can get
(23:08):
things done beyond the transacting on this. People see an app,
there are so many out there to pick from. How
do we pick the one that's right for us?
Speaker 4 (23:16):
Yeah, you know, I think that that's actually a common misconception.
Speaker 5 (23:18):
I think a lot of people think, oh, mobile banking app,
that's basically just for day to day transactions that I
would do with like my debit card, And the reality
is that's not true. It's not just limited to transactions.
There's so many different types of use cases. There's actually
a survey, the Chase Digital Banking Attitude Survey, shows that
over seventy percent of people are already using these apps
(23:41):
every single week, and that's not limited to any specific
age group or demographic, right, It's very multi generational. And
also that about eighty percent of respondents said that they
want to find one digital app that would allow them
to basically manage all of the different banking needs that
they have.
Speaker 4 (23:59):
So that's why, like you.
Speaker 5 (24:00):
Said, it's increasingly popular because it's so convenient. Right, You
can send money to your friends and family, You can
pull up your credit score and take a look at
your credit health. You can get an overview of all
the different spending categories and your different spending habits to
help you review and create a budget. And you can
even upload a paper check, which back in the day
you couldn't tell you had to walk over to the bank.
Speaker 4 (24:21):
So these apps are really making.
Speaker 5 (24:23):
Our financial lives a lot more convenient and doing this
in a way that's very simple and easy to use.
Speaker 1 (24:30):
And you know what, I think you nailed it with
that last part. Because no matter what generation we're in,
no matter what our past financial transactions, however we used
to record them in the past, the big thing that
everybody has in common is they want it to be
a bit easier. They want to be able to know
where their money is going just a bit more. And
(24:50):
I have to imagine one of the biggest bits of
feedback people get when they start going on these apps
is that when you want to get a bigger grip
on your finance, it's one of the best things to
do is to spend a bit more time reflecting on
what you're spending money on. And we're so busy, we're
so busy on ely it's ridiculous. And people don't realize
that they spent twenty on this, they spent one hundred
on this, they spent five bucks a day for the
(25:11):
last month on this. And when you have one of
these apps tracking that for you and you finally have
a quiet moment to reflect on, oh, let's see where
the money went this month, it's got to have People
has to have their jaw dropping when they finally look
and they like that can't be right. Let me check
this app again, and sure enough, for the first time,
they've had something compiling where all of their money's going.
(25:32):
And it's got to be a huge leap first step
and getting a better grip on your finances. That has
to be a big bit of feedback that you're getting
from people who are trying these apps for the first time.
Speaker 5 (25:41):
Definitely, I think that that's one of the key things
is that you don't have to do this all yourself.
People just I think are overwhelmed by the idea of
tracking their finances because they picture like pulling up a
spreadsheet and filling out every single individual cell with these
specific numbers and formulas to run the numbers.
Speaker 4 (25:58):
And the reality is the technology you will do that
for you.
Speaker 5 (26:02):
Right, A banking app is gonna make sure that with
all of the different features that are offered.
Speaker 4 (26:07):
Through that app, you're.
Speaker 5 (26:08):
Gonna do minimal input and you're gonna get a maximum output.
Speaker 4 (26:12):
Right.
Speaker 5 (26:12):
You can just do their every day spending that you
do and then pull up the app to take a
look at the overview and if you notice something like
you know, back in the day in my twenties, I
probably pull up my banking app and notice right away
that I'm spending way too much shopping and buying food.
So you can easily see, okay, this is my problem area.
Now I know when I go to redo my budget
(26:32):
for next month, I have to cut down on shopping
and food so I can kind of balance my budget
a little better.
Speaker 1 (26:37):
Yep, you're right, And there's nothing like that feeling. You know,
you and I can preach till we're blue in the face,
but there's nothing quite like that feeling where you've got
people out there feeling a little overwhelmed by their finances
and they have maybe that first month, maybe the first
two months, where they're really aware of where all their
money's going. They wrap it up where they need to,
they tighten up where they need to, and then two
months later they actually have far more savings than they
(27:01):
thought they ever would after just two months. It's incredibly
empowering these apps are. But here's my biggest question for you,
and you must get this question a lot as well.
We're talking about an app that can help people across
the entire demographic board. This can help people in high school,
This can help people who have been retired for ten
years and everybody in between. But you've got people intimidated.
(27:22):
And I love the balance of this because if you
told I hope I'm saying this right. But if you told,
you know, today's fifteen year old learning how to drive,
I need you to drive a stick shift, they would
be deer in the headlights. But they know how to
do these apps like they've been doing them forever. On
the other side of the spectrum, you've got people who
know how to work a rotary phone and drive a
stick shift, and write out a check and balance a
(27:44):
checkbook with the back of the checkbook. But they feel
very intimidated by these apps. How do we blend the
two and make all different, you know, walks of life,
all different demographics comfortable with this type of comfortable with
this type of software. Is it something where they just
have to sit down and give it a shot, or
is there some other advice we can give them to
kind of demystifyed forum.
Speaker 4 (28:04):
Yeah, I mean this is such a great question.
Speaker 5 (28:06):
I think the good news right up front is that
everyone is already using them, you know, like, I think
that that's really great. The fact that the survey data
shows that so many consumers are saying yep, Yeah, I
use a banking app at least once a week.
Speaker 4 (28:20):
That's amazing. But the reality is just the ways that
they're being used.
Speaker 5 (28:23):
As different generationally. So you know, you see younger generations
like millennials and Gen Z. Of course, they're going to
be most interested in the things that are most relevant
to their experience. They might need to borrow money for
a car, like you said, or you know, they're worried
about student loans, or they're getting their first apartment, so
they're really concerned with their credit score, and so they
check their credit score through the app, you know. And
(28:45):
the main popular thing that across the board people are
doing is sending and receiving payments through these banking apps.
And I think that doesn't really matter what generation that
you're in. This is going to be convenience, This is
going to be easy to do right from the app.
And you know, the Chase survey actually shows sixty six
percent across all the users said that they're sending money
(29:05):
to family and friends through their banking app. But the
rate is even higher for the younger generation, so millennials
are at seventy percent. Don't forget to consider that there's
financial health tools on there as well.
Speaker 4 (29:16):
And there's so many other perks that people might not
think of, like you can get some travel rewards in
these apps.
Speaker 5 (29:21):
You can take a look at discounts that you can
use at stores where you shop. So don't just limit
it to thinking, oh, this is just for the spending
that I'm doing out of my bank account.
Speaker 1 (29:31):
I love that, yan Aalie Espinal, I knew the time
would fly. Where do our listeners coast to coast go
to learn more about this?
Speaker 5 (29:37):
Yeah, so you can actually learn a lot more about
how to use your banking app to manage your money.
You can just visit Chase dot com for Slash Mobile
and then of course explore your app. Open up your
mobile banking app and take a look at what are
some of the features in their financial health tools in
there and some of the features that maybe you haven't
noticed yet that are there and you can take advantage
of outstanding.
Speaker 1 (29:57):
This is fantastic. Thank you so much for all the
great infos. Thank you for demystifying it for us. It
is very appreciated. You've got an open mic anytime. Thanks again.
Speaker 4 (30:05):
Thank you, Kristin, thank you so much.
Speaker 1 (30:07):
You bet we'll be right back gang right after this.
Speaker 3 (30:11):
Cheap is small and not too steep, the best of
all circumstances, a sign I just gotta learn to recall.
Speaker 1 (30:49):
And we're back. Guys, can you tell by the smile
in my voice how much I love the month of March.
You know, it's like when we were kids, February still
felt like winter time. It's going to be forever before
school's out. Everything else. March there seems to be kind
of this glimmer of hope, like, oh my god, springtime's
on its way, School's going to be out soon. It's
(31:11):
just a time of new starts, new beginnings, getting a
little more fresh air, a little more time to ourselves,
a lot more sunlight at the beginning of the day,
and at the end, it's just a time for trying
new things. Well, here's what we're talking about when it
comes to saving some serious time and effort and money
and stress in the month of March. You guys, have
(31:32):
seen everywhere everywhere you're looking the magazines, the TV shows,
the new stuff they talk about a fast where they're
talking about losing weight, they're starting to talk about fasting.
It's all over the place these days. You can't tell
me you didn't hear about that where you talk about
fasting in the sense that for losing weight, you're only eating,
(31:52):
say eight hours of the day. You give your body
sixteen hours of a break every day and you only
eat during an eight hour period or maybe only during
a four hour period or whatever, and it's working. It's
working huge. Gone are the days when the doctors were saying, oh,
eat every two hours for maximum health. Well, you can
see where that god is now. You've got people right
(32:13):
and left talking about how phenomenal it is to do
these health fasts where they're eating whatever they want only
during a certain time of the day. Okay, so trust me,
stay with me. I got a point on this. There's
a new trend out there called a spending fast, and
as incredibly healthy as an eating fast is for the
(32:34):
human body, they're finding that they're dropping weight like a stone.
First of all, even though they're eating the same number
of calories every day. When you just do it in
a fast like setting, when you're only eating during certain
hours of the day, when you cut out eating during
a majority of the hours of the day, you're enjoying
your food better and it's doing your body a lot
(32:56):
more good. You're losing weight, Cholesterol numbers are coming down,
stress is coming down. You know, everything is benefiting from
this fast. Where am I going with this a spending fast?
This is the month of March. This is the perfect
time to start a spending fast, a spending freeze, if
you will, because springtime is an awesome time a year
(33:19):
to do this, because there aren't, first of all, that
many extra expenses popping up like there are in the
winter months and the summer months. It's like this perfect
sweet spot. Okay, to start replenishing the money you spent
at the holidays, or start putting some money aside for
all the expenses that summertime's going to come up with. Okay.
So when I started putting the feelers out for a
(33:41):
spending fast, I am now surrounded with all these various
pieces of paper spending fast. You've got some people who
are going some serious hardcore with the spending fast. It
is a huge turn on people who are spending the
month of March only spending money on utilities, which, of
course you have to spend money, and you can't shut
down the electric in your house, the natural gas, whatever
(34:02):
you use. Don't go crazy on me, but there are
people out there who are only spending money on gasoline utilities,
and that's it. They're eating the food that's currently in
their house. How many of you have a freezer and
cupboards stuffed with food, pastas, and soups and sauces, and
you know, the freezer's got a whole bunch of leftover
(34:24):
meals in it, maybe frozen soups, who knows what. You know,
whatever it is your family loves, chances are excellent you've
got a good amount of food stuffed in your cupboards
and your refrigerator and your freezer already. Now when it
comes to our the Hagopian House quote unquote spending freezes,
I am still going out and buying cream for the coffee,
(34:46):
fruit for the kids, gas for the car. We're kerosene
for the heaters, because we still have a touch of
that going on around here. But we have been developing
all of our meal plans around our bounty fleet stuffed
dropped in freezer where we have you know, hamsteaks and
burgers and boxes of hot dogs, and we've got cupboards
(35:08):
filled with beautiful rice and pastas and all natural sauces
to go with it. Victor made this huge batch of sauce.
We've got huge containers of that in the freezer. Start
just think about maybe taking one week where you eat
only for meals. Of course, go out and buy the
produce you need to get whatever you need to. I'm
not going to tell anybody to cut back on the coffee.
(35:30):
If you need to go out and get lemons for
the tea or cream for the coffee, go out and
get it. But think about taking one week and instead
of eating out at restaurants, which everybody knows is fun
but a budget murderer, think about instead, rather than buying
groceries to feed everybody at lunch and dinner and breakfast
in the weekends, think long and hard and make this
(35:53):
fun for the family too, because there's some serious chi
ching waiting on the end of this. Take an entire
week eating everything out of your cupboards. It's gonna save
you a lot of hassles when it comes to shopping,
because anybody out there who does the usual shopping, you
know what a monster hassle it can be, especially with
the weather a little cool still, Dragging bag upon bag
(36:13):
upon bag upon bag upon bag into your house after
grocery trips. Okay, think about what it would be like
if all you're buying is cream for the coffee, maybe
some lemons for the tea, a little bit of produce.
Everything else you're eating from inside your house. It's there already,
you already carried it up the stairs. Now it's just
a matter of heating it up, eating it up, defrosting
(36:34):
it whatever. You're gonna love this because we did this
in our house. Not only will it save you tons
of space in your house, you're clearing out all this
stuff out of your cupboards, stuff out of your deep
freeze as well. It's just an amazingly freeing experience to
start doing this spending fast where where a nutritional fast
(36:56):
makes you feel better in so many ways you never
thought possible. You know, of course, that a nutritional fast
where you're still getting the same number of calories in
a day, but you eat it during a certain part
of the day and you give yourself a vast majority
of your day to not eat. Your body benefits from it.
And on a similar scale, if you just kind of
(37:17):
cut down the spending to the bare bones basics, you
cut it down to just a fraction of what you
used to do, you will find the benefits go so
far beyond just the usual savings. It's empowering. You realize
how much power your cash and your hard earned money
has when you can do a spending fast. You're eating
(37:37):
just the stuff in your house. Your kids have the
clothes that they need, your spouse and everybody else in
the house, your pets have everything that they need. But
you're not overspending, You're using everything in your well stocked house.
I have heard amazing stories of people who saved like
one thousand dollars. Not only did they not go out
to eat, not only did they not buy groceries to
(37:58):
make meals out of, just ate everything out of their
cupboards and had delicious pasta meals and soup and sandwiches
and omelets and everything. And they use their creativity and
the money left in the bank. After just a couple
of weeks of this, and some people again went super hardcore.
It was remarkable. Just like an eating fast, a spending
(38:19):
fast not only is hugely beneficial for your health, but
it's incredibly good for your well being, for your peace
of mind, for the knowledge that you are in control
not only of your spending, your health, your environment around you.
You've got this you're in control and again getting the
wave off from Tony guys. The time has flown. Thank
(38:39):
you so much for hanging out. Find me online brilliantfrugalliving
dot com and until next week, save those pennies, pay
with cash and you all stay frugal out there, not
too se
Hey, everybody, Welcome to the Christen Agopian Show. Shout outs
from everybody here in Studio B as we connect with
our two hundred plus stations coast to coast via the
BIZ Talk Radio and BBS Radio Networks. Greetings to you all.
This week's show is brought to you by our caring
sponsors at Elite Rehab. Because everyone knows a family that's
(00:26):
fighting the effects of today's substance abuse epidemic. That is
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(00:47):
their sake and for yours. Eight hundred nine three two
four zero a two. Guys, it is a gorgeous, gorgeous
day here in our area. No doubt. It's getting a
little or springtime like for you guys too. I am
getting seriously in the springtime spirit. It's getting brighter out.
(01:08):
It's not crazy dark at four pm the way it
felt like it was in the dead of winter. And
I love this anticipation as springtime starts to kind of
come nearer and nearer each day. This week's show, we're
going to be focusing completely on all of the huge
benefits of spring, not only mentally and physically, but financially
and fiscally, with some frugal ways to save some serious
(01:31):
cash this spring, because spring feels like to me and
maybe for you guys too, the perfect time of year
to get serious about saving. You know, it's a time
for like new beginnings. You've got the whole Easter connection,
all this various stuff going on, mother nature and your
wallet all looking for a fresh start. Okay, So if
you're still recovering from your holiday spending, and I'm getting
(01:55):
emails and text from people that would suggest exactly that,
or you're going to wonder maybe how you're going to
afford that upcoming summer vacation if you've already gone into
planning stages for that, if you're way ahead of me,
you planned a bunch of summer plans, you got no
idea how you're going to pay for him? Right now,
have a listen, hang out for a bit, because we've
got some serious ideas, especially considering your motivation to cut
(02:17):
back a bit so you can get ahead for the summer.
Here's how we get it done, in no particular order,
and a lot of this was sent in by various
listeners too. Number one one of the biggest things people
send to me, and I'm talking about city dwellers, county dwellers,
suburban dwellers, country dwellers. This is the time of year.
You want to save some serious, serious cash, think about
(02:40):
planting a garden this year. This is when we start planning.
This by far the best way to save money on
fresh produce. And I'm talking organic, good for your body,
good for your mind, good for your soul, grow it yourself.
And I'm talking here's the funny part. I get so
much mail, email, texts, Facebook, feedback from people with very
(03:01):
urban addresses saying how much they love to garden. So
this is a big thing. I love this stuff. It
doesn't have to be food. It can be it can
be herbs, it can be flowers. There's something about just
putting your hands in the dirt and growing something. It's
a beautiful thing. And not only that, but growing your
own food, even small amounts, very good for your finances,
(03:22):
very good for your health, and as an added bonus,
it is an outstanding activity to do with any kids
in your life, if you've got nieces and nephews, your
own kids, grandkids, neighborhood kids. Gardening it's not a dying art,
but it's something that kids of all ages really seem
to get into. You think to yourself, you're gonna drag
(03:42):
your feet man, garden, I'm gonna get my hands dirty.
Then you get into the garden and you start planting
stuff and you got to drag people out because it's
that appealing. Get it done. Not only that, here's some
serious money saving tips. Gardening also benefits your emotional health.
All right. We've talked about this before, whether you're talking
flowers or food or herbs or whatever. Because when you're
(04:04):
working hard on something in the fresh air, with purpose
and literally reaping what you sew, it has a huge
calming effect on the human body. How much would you
pay for that? Guess what? It's free when you go
out and do plant a couple of flower seeds, Guys,
plant some veggies, plant some fabulousness, plant some herbs, whatever
(04:27):
rings your bell, get a couple of tomato plants going.
I'm telling you right now, serious feeling of accomplishment that
you're going to reap the entire spring summer into the
early fall. Start small. If you, guys, haven't done this yet,
If you don't have a garden waiting for you to
get going this spring, start something, but start it small.
The biggest mistake a lot of gardeners do is they
(04:48):
start off with like I'm going to have a half
acre of garden. Now, start off with something small. A
corner of your yard devoted to a garden. You don't
even need a yard. There are so many people doing
just potted big pots of dirt, and they're growing these huge,
exploding tomato trees out of these beautiful pots. That's the
kind of thing I'm talking about. A deck, a patio, anything,
(05:12):
even an apartment balcony can be enough for a hanging
tomato plant and some herbs. That's the kind of thing
I'm talking about. Start small, Next up, start some spring cleaning, guys.
I already hit Goodwill a couple of times this past
week I was running errands. I was able to make
it in there. There are people far more organized than
I am, going through their houses and just packing up,
(05:35):
you know, quilts and clothes and books and furniture and shoes,
and you know what, it is. I think. I think
it's people who are finally putting away a lot of
their holiday gifts, or they're using them and they're realizing, Hey,
you know what, I don't need this set of dishes anymore.
I just got new. I don't need these picture frames
anymore because I just got new. Or I don't need
this electronic anymore because I just got new. You get
(05:57):
the point. Get yourself around, found your house into a
closet that you haven't seen for a while, your front
haul closet, your clothes closet, your spouse's closet, your kid's closets.
Bring a garbage bag with you and start stocking it up.
Stuff it with all of these various clothes that you
just don't need anymore, and start recording everything. Guys, for
(06:20):
your serious tax returns. I'm telling you right now, do
a spring cleaning, do a purge. I'm talking all the
way up to furniture, all right, and it just feels
so dang good I can't begin to tell you. All right,
Next up, with the weather getting nicer wherever you are
in this country, the weather's getting more appealing, all right,
throw open the windows and get some serious spring cleaning done.
(06:42):
What do I mean? Here's what I mean. Just get
some fresh air into the house. First of all, you're
gonna think christt's a little silly, you know, whatever, I'll
find I'll open the windows. You throw open those windows.
That first burst of fresh air that comes into your house,
you're gonna be like, oh my god, you got to
open up all the windows, Get all the windows opened up,
Get all that winter time January February air out of there,
(07:03):
Get some fresh March air in there. It is a beautiful,
beautiful thing. And instead of spending tons of money on
cleaning supplies and organization tools, try making them yourself because
it's effortless and it's easy, and it's inexpensive as heck. Now, personally,
I get a lot of my cleaning materials from my
(07:25):
discount gourmet grocery because they have like these top notch
window cleaners, all these other cleaners, even stuff I can
put into my deep cleaning vacuum. It's beautiful. If you
haven't experimented with cleaning with baking soda or salt and vinegar,
your mind will be blown. If you've got some crazy
stains going around, Guys in the workshop, you know, in
(07:47):
the kitchen anywhere. Try seriously, not all these expensive, ridiculous chemicals.
Just try some vinegar and baking soda. Make a paste
out of it. If you really want to do a
shock in all plastering of this kind to paste on anything,
any kind of stains or craziness, or if you just
want to clean with it, do like a four to
one vinegar or an eight to one vinegar mixed like
(08:10):
a you know, one cup of vinegar to eight cups
of water. I'm telling you right now, there's no chemicals,
there's no smell, there's no nuttiness, and it works beautifully.
Your windows will never look that good, all right. It's
even more incredible that not only do they work better
than a lot of standard cleaners, but they're at like
a fraction of the price. Okay, I am so not
(08:31):
an expert cleaner at all. I clean my sink with
baking soda and vinegar paste. It's fantastic. I use a
spray for my counters of vinegar and water as well
as all of the various glass cleaners I get at
the discount grocery. Here is something that you might find handy.
If you guys have a cureig, a coffee maker like
(08:51):
that I do not, or humidifier or a dishwasher like
I do. Let your spring cleaning this year, if it's
big or if it's small, include putting a nice little
dose of vinegar into your dishwasher. You're gonna be amazed
into your cureig. My mother in law has one. She
loves putting a little bit of vinegar in there for
a little spring cleaning. Apparently it helps everything. You gotta
(09:14):
love it. Next up, and this is another one straight
from the listeners. Clean out your closet. Clean out your
closet for your clothing, your shoes. We talked about this
briefly before. Then go into your kitchen, clean out underneath
the stove. You've got twenty five pans under your stove.
You use three of them. Think about throwing some of
those into the goodwill basket as well, into the goodwill
(09:36):
bag as well, and then record everything for your taxes.
People forget to do that, and you are throwing money
out your door. I still know some magnificent old school
frugal you know miestros out there, the ninjas who are
planning a huge garage sale when the weather gets really
dependently nice. I am in awe of those amazing, magnific
(10:00):
and people. I truly am, because I'm just not going
to be a garage sale type. We live in more
of a rural area that and I'm lazy, so it's
just not a good combo. So I'm taking everything i
want to get rid of and I'm sending it to
goodwill and writing it off on my taxes because that's
money in the bank as well. You guys might have
another idea, who knows, but I'm here to tell you
(10:20):
springtime not only does it just kind of scream at
us to start, I don't know, a little more fresh air,
a little more time outside, just sort of brand new
stuff about to grow right out of the ground. Let's
kind of clear the grounds just a bit by getting
rid of all the old and get ready for all
of the new. That's what I'm talking about with spring.
(10:40):
It's a time of new beginnings for your finances, for
your home, for your health. It's a beautiful thing. And
the time is fly And we'll be right back right
after this not too and we are back with the
(11:10):
Christian Agophian Show. And I've been looking so forward to
this next guest because this is a catchphrase that is
here to stay, and that is AI. And while I'm
always a big fan of learning about what AI can
do for us, you know, the red flags, the great
amazing leaps forward in so many different types of technology,
(11:30):
there's one thing that I had not considered, and that
is how it's going to impact us when it comes
to medical advice and medical care and AI in you know,
amidst all the other things. It's changing up it's changing
visits to your doctor. And I really wanted to pick
the brain of our next guest here because I see
this honestly as net net a very very good thing.
(11:54):
And joining us via our newsmaker line, doctor Robert Bob Murray,
chief medical officer at next Gen Healthcare, is joining us
and kind of debunking the myths and sharing with us
all of the upside of this, and we couldn't wait
to have them on the air with us today. Welcome doctor,
how are you today?
Speaker 2 (12:09):
I'm doing great, Kristin. Thank you for having me.
Speaker 1 (12:11):
It's a pleasure. Now. If there's one thing that is
changing at light speed and I feel like I'm never
quite on the cutting edge of it, it's medical care.
It's medical breakthroughs, it's medical anything you name. I want
to learn more and more about it, but it seems
like it's just going light years ahead of me at
all times. So this was a fantastic opportunity to connect
(12:32):
with you and talk about AI. Tell us a little
bit about what your recent work with AI and the
medical communities work with AI is netting and how it's
going to benefit us all is in the months, years,
weeks to come.
Speaker 2 (12:47):
Sure and Kristin, I agree with you. This technology that
I'll tell you about is really a win win. So
let's start. I think a lot of your audience will
be familiar with the experience of they go to the
doctor trying to explain what's going on, and the doctor
has his or her head buried in the computer or
is typing away, right I mean. And so what we
(13:09):
at Nextchen Healthcare are providing is AI powered technology that
allows a different experience in the exam room. So with
this one, the doctor is going to use her or
his smartphone. It's going to ambiently listen to the normal
conversation that you're able to have with your doctor. The
doctor's really not looking at the computer. They're paying attention
(13:29):
to you as the patient, and at the end of
the visit, AI is able to take that conversation, that
listened to conversation and turn it into the start of
the note for the doctor. That's why the doctor was
typing all that stuff because they thought that they had
to remember it or capture all those details. But AI
is able to capture that stuff put it in the note,
(13:50):
and then that frees up the doctor to not pay
attention to the computer, pay attention to you as the
patient and make sure that you could really be engaged
and have the healthcare providers full attention. It's great, and
make that visit more engaging, more productive.
Speaker 1 (14:05):
Oh my gosh, that is such a good point. And
I'm taking notes as we're talking here because I hadn't
considered that, but oh my gosh. Yeah, all of the
after behind the scenes work, after hours where you're taking
tons and tons of notes, and this can do that
for you. That's a fantastic tool for doctors to have.
And don't get me wrong, every doctor I've ever had,
whether it was pediatricians for my kids, or obstetricians or
(14:29):
you know, maternity nurses, doctors, everything, every single one of
them has been a home run. I've never had a
dud ever. I've been very, very blessed, And you just
think to yourself again and you're very kind. Hey, take
notes and ask your doctor anything. You already hear how
chatty I am. And I'm the first one to clamb up,
So you know it's going to be a problem forever
(14:50):
for patients to do that. But I love this whole
AI bit because I honestly feel like it is going
to help the doctors in their tireless efforts to make
healing and everything else you know, dem miss, But it's
really going to help the normally chatty patients like myself,
who then you know, like I lost a bet with God,
completely clam up when I walk into that office. So
(15:10):
everyone's a winner with that. Here's one of the biggest
concerns when I was putting the word out on social
media that I was connecting with you. One of the
biggest concerns people seem to have with AI. And this
is every type of AI, whether it's having your al
Exa open the doors for you on the house or
whatever else, it's privacy concerns. Right, You're sharing all of
(15:31):
this information, especially now medical information with AI and You're like,
you know what, this is going to wind up in
the wrong hands. This is going to wind up, you know,
being some kind of a prank coming back at me
twenty years from now. How do we address people's concerns
on privacy because again, all of the patients out there
that you might have, they're like me, extremely unknowledgeable when
(15:53):
it comes to AI. I don't know what's safe. I
don't know how it's safeguarded. I don't know if it's
easy to pick the lock. I don't know what is
address my and all of our listeners coast to coast
our privacy concerns on this. How is that taken care
of with this new AI?
Speaker 2 (16:06):
Yeah, that's a great question. I love by the way
that you spelled out Alexa because we don't want you
don't want to activate everyone's device at home. But no,
it's a great it's a great question about privacy. Now.
The way that we at next Gen Healthcare bring ambient
listening to the offices across the country that we supply
it to, actually privacy should not be a concern that
the patient has because the way we do it that
(16:29):
that listened to conversation is used immediately all it does
is help the doctor by creating the start of the note,
and then it's erased. It's not stored, it's not going
to show up in some big tech companies database, it's
not used to train AI. It's gone. And so that's
great because you know that's exactly what you want. You
don't need to worry about, you know, holding back in
(16:53):
a conversation that you're having with your provider, which of
course is exactly what the provider hopes that you can do.
I think in general, private see concerns with AI are
significant and every individual use of it really needs to
address it. And back to medical uses. If you, as
a patient have concerns about the way that you know
(17:13):
your doctor is using technology or really doing anything, ask right,
the doctor ought to know the answers. If not, somebody
at their practice should know the answers. The doctor and
the healthcare provider. They want to be with you as
a team to come up with a plan to make
you feel better. And so if you have those concerns,
please please voice them.
Speaker 1 (17:32):
I love that, and it's so true. And again you're
always the best at this because you completely demystify this stuff.
And I think net net it's going to help all
of our beloved, hardest working doctors out there maybe get
a little more you know, free time to do the
other things that they love. And I think it's going
to free up and kind of open up everybody who's
afraid to say anything out loud to their doctors. That's brilliant.
(17:53):
AI is here to stay and net net it is
a very good thing. So tell us a little bit more.
Where can we find out more about this? I knew
the time would fly.
Speaker 2 (18:02):
Well, I think anyone here is we welcome to go
to our website to next Gen Healthcare. It's NextGen dot com.
Our ambient listening tool is called Ambient Assist and they
can find out more about it there and they can
also ask their doctor the next time. If you happen
to be one of those patients who's doctor is kind
of buried in the computer, they say, hey, you know,
I heard that there's some you know, technology out there
that can help with that. Have you heard about that?
(18:23):
Because a lot of times we get our best ideas
as physicians from our patients, So feel free to voice
that if you're brave during the.
Speaker 1 (18:32):
Visit brilliant, I promise I will be braver. You always
instill bravery in me when we have our chats on this,
and I love it. We will one hundred percent do
that again. I knew the time would fly, Doctor Bob Murray.
It's always a pleasure. You got an open mic anytime.
Be well, and here's to a healthy springtime.
Speaker 2 (18:48):
For all, same for you, and thanks so much for
having me.
Speaker 1 (18:50):
You bet, and we'll be right back dang right after this.
Speaker 3 (19:00):
Stood ball cheap in circumstance, curse my hands to be
a come y person in a nobody land, signed by
We'll all survive. I just gotta learn to recall the
my mother loved love.
Speaker 4 (19:29):
I'm let the sheep. You understand. I'm just a cat
rist person in a love ba just life.
Speaker 3 (19:38):
Excuse my shoes, and they don't quite think they have
a special offer, and they goodly a bit. Even my
trousers are keeping my face.
Speaker 4 (19:50):
They will chee.
Speaker 1 (19:59):
And we are back with the kristin a Gopian show.
And whether you're checking credit scores or browsing travel discounts
or managing anything auto loans, home loans, these days, your
mobile banking app can do it all. And according to
a recent survey, you're ready for these numbers. Guys, nearly
eighty percent of us check it weekly and we're doing
(20:20):
more than just simple transactions, and that's not going to
change anytime soon. It can be a real godsend, it
can be a real time saver, and it can be
a little bit intimidating. And here to join us to
break it all down. Author and financial guru Yana le
Espinal joining us via our Newsmaker line to tell more
about a crash course in making the most of your
(20:41):
digital banking sign me up and how to maximize digital
financial tools to help you save a little time, a
little money, and maybe just a little sanity while you're
at it. How are you doing today, Hi, Christin.
Speaker 4 (20:52):
I'm so excited. I'm loving your energy.
Speaker 1 (20:54):
Well, I'm loving what you have to offer with these
financial apps because you know what, I fall into the
category where I'm very confident with my money management skills,
but I know there are always more tools that I
can utilize to put the more to work for me
where I'm saving a little time and still saving money,
where I'm saving a little bit of energy and I'm
saving money at the same time. These apps are not
(21:17):
going away anytime soon for good reason because they're doing
a lot for people, but people are still intimidated by it.
I'm right there at the front of the list. So
when it comes to these apps, you've got your book,
you've got your social media platform. You clearly are a
person in the know that I can kind of pick
your brain a bit with this. Talk to me a
bit about how people learned about personal finance with these
(21:39):
apps in a fun, engaging way. People log onto this
app you're talking about and they're hooked. Tell me a
few tips you can share maybe with this to help
us start our own path to financial success without getting
intimidated by all these apps at the same time.
Speaker 5 (21:53):
Yeah, well, you know, I would say I would frame
it this way. I would say that the financial tools
and apps that you can use digitally are really an
extension of your written financial plan. So I always say
you got to start with a written money plan. Don't
think that you can just key track of everything.
Speaker 4 (22:10):
In your head.
Speaker 5 (22:11):
That is a trap that's called mental accounting, and let
me tell you it does not work. So you know,
the best thing you can do to get started is
write down the specific money goals that you have, no
matter how big or small. Like you know how much
income do I want to earn this year, how much
do I want to save this week? How much do
I plan to invest this month? Even maybe the specific
credit score that you want to reach, because you know
(22:33):
that's the starting point.
Speaker 4 (22:35):
But then it's easier today than ever to start.
Speaker 5 (22:38):
Using digital tools and like a mobile banking app to
basically help you organize and manage all of those different
money goals and really reach them a lot easier.
Speaker 1 (22:47):
You know what, You're right, and I'm taking notes as
we're talking here. You're bringing up so many good points
because it's true. You know, people want to make this
easier for them. They're not sure how to start. They
see other people using these apps and doing it very successfully,
you know, people who they thought maybe it would be
intimidated by it too. So it's starting to grow in popularity.
Talk to me a bit about ways we can get
(23:08):
things done beyond the transacting on this. People see an app,
there are so many out there to pick from. How
do we pick the one that's right for us?
Speaker 4 (23:16):
Yeah, you know, I think that that's actually a common misconception.
Speaker 5 (23:18):
I think a lot of people think, oh, mobile banking app,
that's basically just for day to day transactions that I
would do with like my debit card, And the reality
is that's not true. It's not just limited to transactions.
There's so many different types of use cases. There's actually
a survey, the Chase Digital Banking Attitude Survey, shows that
over seventy percent of people are already using these apps
(23:41):
every single week, and that's not limited to any specific
age group or demographic, right, It's very multi generational. And
also that about eighty percent of respondents said that they
want to find one digital app that would allow them
to basically manage all of the different banking needs that
they have.
Speaker 4 (23:59):
So that's why, like you.
Speaker 5 (24:00):
Said, it's increasingly popular because it's so convenient. Right, You
can send money to your friends and family, You can
pull up your credit score and take a look at
your credit health. You can get an overview of all
the different spending categories and your different spending habits to
help you review and create a budget. And you can
even upload a paper check, which back in the day
you couldn't tell you had to walk over to the bank.
Speaker 4 (24:21):
So these apps are really making.
Speaker 5 (24:23):
Our financial lives a lot more convenient and doing this
in a way that's very simple and easy to use.
Speaker 1 (24:30):
And you know what, I think you nailed it with
that last part. Because no matter what generation we're in,
no matter what our past financial transactions, however we used
to record them in the past, the big thing that
everybody has in common is they want it to be
a bit easier. They want to be able to know
where their money is going just a bit more. And
(24:50):
I have to imagine one of the biggest bits of
feedback people get when they start going on these apps
is that when you want to get a bigger grip
on your finance, it's one of the best things to
do is to spend a bit more time reflecting on
what you're spending money on. And we're so busy, we're
so busy on ely it's ridiculous. And people don't realize
that they spent twenty on this, they spent one hundred
on this, they spent five bucks a day for the
(25:11):
last month on this. And when you have one of
these apps tracking that for you and you finally have
a quiet moment to reflect on, oh, let's see where
the money went this month, it's got to have People
has to have their jaw dropping when they finally look
and they like that can't be right. Let me check
this app again, and sure enough, for the first time,
they've had something compiling where all of their money's going.
(25:32):
And it's got to be a huge leap first step
and getting a better grip on your finances. That has
to be a big bit of feedback that you're getting
from people who are trying these apps for the first time.
Speaker 5 (25:41):
Definitely, I think that that's one of the key things
is that you don't have to do this all yourself.
People just I think are overwhelmed by the idea of
tracking their finances because they picture like pulling up a
spreadsheet and filling out every single individual cell with these
specific numbers and formulas to run the numbers.
Speaker 4 (25:58):
And the reality is the technology you will do that
for you.
Speaker 5 (26:02):
Right, A banking app is gonna make sure that with
all of the different features that are offered.
Speaker 4 (26:07):
Through that app, you're.
Speaker 5 (26:08):
Gonna do minimal input and you're gonna get a maximum output.
Speaker 4 (26:12):
Right.
Speaker 5 (26:12):
You can just do their every day spending that you
do and then pull up the app to take a
look at the overview and if you notice something like
you know, back in the day in my twenties, I
probably pull up my banking app and notice right away
that I'm spending way too much shopping and buying food.
So you can easily see, okay, this is my problem area.
Now I know when I go to redo my budget
(26:32):
for next month, I have to cut down on shopping
and food so I can kind of balance my budget
a little better.
Speaker 1 (26:37):
Yep, you're right, And there's nothing like that feeling. You know,
you and I can preach till we're blue in the face,
but there's nothing quite like that feeling where you've got
people out there feeling a little overwhelmed by their finances
and they have maybe that first month, maybe the first
two months, where they're really aware of where all their
money's going. They wrap it up where they need to,
they tighten up where they need to, and then two
months later they actually have far more savings than they
(27:01):
thought they ever would after just two months. It's incredibly
empowering these apps are. But here's my biggest question for you,
and you must get this question a lot as well.
We're talking about an app that can help people across
the entire demographic board. This can help people in high school,
This can help people who have been retired for ten
years and everybody in between. But you've got people intimidated.
(27:22):
And I love the balance of this because if you
told I hope I'm saying this right. But if you told,
you know, today's fifteen year old learning how to drive,
I need you to drive a stick shift, they would
be deer in the headlights. But they know how to
do these apps like they've been doing them forever. On
the other side of the spectrum, you've got people who
know how to work a rotary phone and drive a
stick shift, and write out a check and balance a
(27:44):
checkbook with the back of the checkbook. But they feel
very intimidated by these apps. How do we blend the
two and make all different, you know, walks of life,
all different demographics comfortable with this type of comfortable with
this type of software. Is it something where they just
have to sit down and give it a shot, or
is there some other advice we can give them to
kind of demystifyed forum.
Speaker 4 (28:04):
Yeah, I mean this is such a great question.
Speaker 5 (28:06):
I think the good news right up front is that
everyone is already using them, you know, like, I think
that that's really great. The fact that the survey data
shows that so many consumers are saying yep, Yeah, I
use a banking app at least once a week.
Speaker 4 (28:20):
That's amazing. But the reality is just the ways that
they're being used.
Speaker 5 (28:23):
As different generationally. So you know, you see younger generations
like millennials and Gen Z. Of course, they're going to
be most interested in the things that are most relevant
to their experience. They might need to borrow money for
a car, like you said, or you know, they're worried
about student loans, or they're getting their first apartment, so
they're really concerned with their credit score, and so they
check their credit score through the app, you know. And
(28:45):
the main popular thing that across the board people are
doing is sending and receiving payments through these banking apps.
And I think that doesn't really matter what generation that
you're in. This is going to be convenience, This is
going to be easy to do right from the app.
And you know, the Chase survey actually shows sixty six
percent across all the users said that they're sending money
(29:05):
to family and friends through their banking app. But the
rate is even higher for the younger generation, so millennials
are at seventy percent. Don't forget to consider that there's
financial health tools on there as well.
Speaker 4 (29:16):
And there's so many other perks that people might not
think of, like you can get some travel rewards in
these apps.
Speaker 5 (29:21):
You can take a look at discounts that you can
use at stores where you shop. So don't just limit
it to thinking, oh, this is just for the spending
that I'm doing out of my bank account.
Speaker 1 (29:31):
I love that, yan Aalie Espinal, I knew the time
would fly. Where do our listeners coast to coast go
to learn more about this?
Speaker 5 (29:37):
Yeah, so you can actually learn a lot more about
how to use your banking app to manage your money.
You can just visit Chase dot com for Slash Mobile
and then of course explore your app. Open up your
mobile banking app and take a look at what are
some of the features in their financial health tools in
there and some of the features that maybe you haven't
noticed yet that are there and you can take advantage
of outstanding.
Speaker 1 (29:57):
This is fantastic. Thank you so much for all the
great infos. Thank you for demystifying it for us. It
is very appreciated. You've got an open mic anytime. Thanks again.
Speaker 4 (30:05):
Thank you, Kristin, thank you so much.
Speaker 1 (30:07):
You bet we'll be right back gang right after this.
Speaker 3 (30:11):
Cheap is small and not too steep, the best of
all circumstances, a sign I just gotta learn to recall.
Speaker 1 (30:49):
And we're back. Guys, can you tell by the smile
in my voice how much I love the month of March.
You know, it's like when we were kids, February still
felt like winter time. It's going to be forever before
school's out. Everything else. March there seems to be kind
of this glimmer of hope, like, oh my god, springtime's
on its way, School's going to be out soon. It's
(31:11):
just a time of new starts, new beginnings, getting a
little more fresh air, a little more time to ourselves,
a lot more sunlight at the beginning of the day,
and at the end, it's just a time for trying
new things. Well, here's what we're talking about when it
comes to saving some serious time and effort and money
and stress in the month of March. You guys, have
(31:32):
seen everywhere everywhere you're looking the magazines, the TV shows,
the new stuff they talk about a fast where they're
talking about losing weight, they're starting to talk about fasting.
It's all over the place these days. You can't tell
me you didn't hear about that where you talk about
fasting in the sense that for losing weight, you're only eating,
(31:52):
say eight hours of the day. You give your body
sixteen hours of a break every day and you only
eat during an eight hour period or maybe only during
a four hour period or whatever, and it's working. It's
working huge. Gone are the days when the doctors were saying, oh,
eat every two hours for maximum health. Well, you can
see where that god is now. You've got people right
(32:13):
and left talking about how phenomenal it is to do
these health fasts where they're eating whatever they want only
during a certain time of the day. Okay, so trust me,
stay with me. I got a point on this. There's
a new trend out there called a spending fast, and
as incredibly healthy as an eating fast is for the
(32:34):
human body, they're finding that they're dropping weight like a stone.
First of all, even though they're eating the same number
of calories every day. When you just do it in
a fast like setting, when you're only eating during certain
hours of the day, when you cut out eating during
a majority of the hours of the day, you're enjoying
your food better and it's doing your body a lot
(32:56):
more good. You're losing weight, Cholesterol numbers are coming down,
stress is coming down. You know, everything is benefiting from
this fast. Where am I going with this a spending fast?
This is the month of March. This is the perfect
time to start a spending fast, a spending freeze, if
you will, because springtime is an awesome time a year
(33:19):
to do this, because there aren't, first of all, that
many extra expenses popping up like there are in the
winter months and the summer months. It's like this perfect
sweet spot. Okay, to start replenishing the money you spent
at the holidays, or start putting some money aside for
all the expenses that summertime's going to come up with. Okay.
So when I started putting the feelers out for a
(33:41):
spending fast, I am now surrounded with all these various
pieces of paper spending fast. You've got some people who
are going some serious hardcore with the spending fast. It
is a huge turn on people who are spending the
month of March only spending money on utilities, which, of
course you have to spend money, and you can't shut
down the electric in your house, the natural gas, whatever
(34:02):
you use. Don't go crazy on me, but there are
people out there who are only spending money on gasoline utilities,
and that's it. They're eating the food that's currently in
their house. How many of you have a freezer and
cupboards stuffed with food, pastas, and soups and sauces, and
you know, the freezer's got a whole bunch of leftover
(34:24):
meals in it, maybe frozen soups, who knows what. You know,
whatever it is your family loves, chances are excellent you've
got a good amount of food stuffed in your cupboards
and your refrigerator and your freezer already. Now when it
comes to our the Hagopian House quote unquote spending freezes,
I am still going out and buying cream for the coffee,
(34:46):
fruit for the kids, gas for the car. We're kerosene
for the heaters, because we still have a touch of
that going on around here. But we have been developing
all of our meal plans around our bounty fleet stuffed
dropped in freezer where we have you know, hamsteaks and
burgers and boxes of hot dogs, and we've got cupboards
(35:08):
filled with beautiful rice and pastas and all natural sauces
to go with it. Victor made this huge batch of sauce.
We've got huge containers of that in the freezer. Start
just think about maybe taking one week where you eat
only for meals. Of course, go out and buy the
produce you need to get whatever you need to. I'm
not going to tell anybody to cut back on the coffee.
(35:30):
If you need to go out and get lemons for
the tea or cream for the coffee, go out and
get it. But think about taking one week and instead
of eating out at restaurants, which everybody knows is fun
but a budget murderer, think about instead, rather than buying
groceries to feed everybody at lunch and dinner and breakfast
in the weekends, think long and hard and make this
(35:53):
fun for the family too, because there's some serious chi
ching waiting on the end of this. Take an entire
week eating everything out of your cupboards. It's gonna save
you a lot of hassles when it comes to shopping,
because anybody out there who does the usual shopping, you
know what a monster hassle it can be, especially with
the weather a little cool still, Dragging bag upon bag
(36:13):
upon bag upon bag upon bag into your house after
grocery trips. Okay, think about what it would be like
if all you're buying is cream for the coffee, maybe
some lemons for the tea, a little bit of produce.
Everything else you're eating from inside your house. It's there already,
you already carried it up the stairs. Now it's just
a matter of heating it up, eating it up, defrosting
(36:34):
it whatever. You're gonna love this because we did this
in our house. Not only will it save you tons
of space in your house, you're clearing out all this
stuff out of your cupboards, stuff out of your deep
freeze as well. It's just an amazingly freeing experience to
start doing this spending fast where where a nutritional fast
(36:56):
makes you feel better in so many ways you never
thought possible. You know, of course, that a nutritional fast
where you're still getting the same number of calories in
a day, but you eat it during a certain part
of the day and you give yourself a vast majority
of your day to not eat. Your body benefits from it.
And on a similar scale, if you just kind of
(37:17):
cut down the spending to the bare bones basics, you
cut it down to just a fraction of what you
used to do, you will find the benefits go so
far beyond just the usual savings. It's empowering. You realize
how much power your cash and your hard earned money
has when you can do a spending fast. You're eating
(37:37):
just the stuff in your house. Your kids have the
clothes that they need, your spouse and everybody else in
the house, your pets have everything that they need. But
you're not overspending, You're using everything in your well stocked house.
I have heard amazing stories of people who saved like
one thousand dollars. Not only did they not go out
to eat, not only did they not buy groceries to
(37:58):
make meals out of, just ate everything out of their
cupboards and had delicious pasta meals and soup and sandwiches
and omelets and everything. And they use their creativity and
the money left in the bank. After just a couple
of weeks of this, and some people again went super hardcore.
It was remarkable. Just like an eating fast, a spending
(38:19):
fast not only is hugely beneficial for your health, but
it's incredibly good for your well being, for your peace
of mind, for the knowledge that you are in control
not only of your spending, your health, your environment around you.
You've got this you're in control and again getting the
wave off from Tony guys. The time has flown. Thank
(38:39):
you so much for hanging out. Find me online brilliantfrugalliving
dot com and until next week, save those pennies, pay
with cash and you all stay frugal out there, not
too se
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