Episode Transcript
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Question one and your starter for a perfect
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ten was this. How many
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different colors are on the national flag of
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Greece? And the answer is there are
0:45
two colors and they are blue and red. Let's
0:48
crack on with today's first story. Much
0:51
love guys. Now today's first story comes
0:53
from the Relationship Advice subreddit from a
0:55
throwaway account that says, my
0:58
wife paid off my mortgage. Then
1:00
threw it in my face over a disagreement.
1:03
I 36 male have known my wife 37
1:06
female half my life. We
1:08
reconnected 10 years ago and started dating a
1:10
little less than seven years ago and have
1:13
been married for four years. I
1:15
bought our current house 10 years ago before
1:18
we started dating and refinance when rates were
1:20
below 3%. We were
1:22
together then and decided to just have me on
1:24
the loan. I'm a government employee
1:26
making roughly 120K a
1:28
year and she works in education
1:30
making roughly 40K. Quick
1:33
rundown on our finances. We
1:35
joined our finances when we got married. I
1:37
have roughly 4K in credit card debt.
1:40
She has around 10K in credit card
1:42
and auto loan debt. Plus she brought
1:44
50K in student loans currently sitting around
1:46
25K. We came up
1:49
with a budget and plan to tackle these
1:51
debts while also investing in retirement plans from
1:53
our jobs. A year
1:55
ago her grandfather passed away and she
1:57
received around 150K. She
2:00
sat down and asked what we should do
2:02
with the money. With our salary we can
2:04
easily pay more than minimums on our debts,
2:06
plus set aside for retirement and vacation funds.
2:09
I told her it was her money to use as she wanted.
2:12
She decided to pay off the mortgage that was in
2:14
my name. She met with a
2:17
tax specialist and figured out the numbers. Honestly,
2:19
this made me cry because it was genuinely
2:21
one of the kindest things anyone has ever
2:24
done for me. Fast
2:26
forward to last Friday. We both
2:28
get home around the same time and start doing
2:30
our normal routine after work. We
2:33
chat about how work went and relaxed for a bit.
2:36
She cooked dinner and I cleaned up afterwards.
2:38
I loaded the dishwasher and sat down to
2:40
play Final Fantasy Remake. I'm not
2:43
a huge gamer by any means. My
2:45
wife heard me mention that I wanted that
2:47
game, and it's a sequel that just came
2:49
out so she surprised me with them. I
2:52
told her I'd be playing for roughly an hour, which
2:55
is how long I usually play before my eyes hurt.
2:57
She sat down and cracked open a book
2:59
like usual. It's just something we do
3:02
most days. Roughly an hour
3:04
later she gets up and says it's my turn to
3:06
take out the trash. I replied okay,
3:08
give me five minutes because I'm fighting
3:10
this boss. You're a
3:12
polite. I paid off this fucking mortgage and
3:14
you can't get off your ass to do this for me.
3:17
I'm shocked at this point because she's
3:19
never like this. We
3:21
communicated early on in our relationship when she
3:24
moved into our house that if she wanted
3:26
me to do something, to ask, I would
3:28
do it. If I was already busy
3:30
doing something, I'd give her an honest timeline
3:32
on when I could do it. If
3:35
she needed it done immediately then to let me
3:37
know and I would stop what I was doing
3:39
and do it. This has worked
3:41
wonderfully until then. I pause
3:43
the game, take the trash outside and just try
3:45
to get my anger under control. She's
3:48
never yelled at me before but honestly it's
3:50
the holding this over my head that hurts
3:52
my heart. I didn't ask
3:54
her to do it and her salary was more than
3:56
enough to allow her to keep the money safe for
3:58
herself. Eventually I go back
4:00
inside and told her I don't like her holding that
4:03
over my head and that I never asked her to
4:05
do that for me. She replied
4:07
that I was ungrateful and gave me
4:09
the silent treatment. The next
4:11
morning she apologized to me in tears and said
4:13
stress from work got to her. I
4:16
believe she is telling the truth because some
4:18
of her students are in abusive homes and
4:20
child services haven't done anything to protect those
4:22
kids. This whole issue is wildly
4:24
out of character for her. My
4:27
question is, how do I handle this?
4:29
I'm not leaving her because this is the first and only
4:32
time she has acted this way. She
4:34
did say it though and it still hurts. So
4:36
how do I move on from this? Now
4:39
you said this is totally out of character for her.
4:41
So I'm going to go along those lines and now
4:44
to start off for me, I'm going to go very
4:46
back to the start of the story where you said,
4:48
you know, it was just you on
4:50
the loan. And I
4:52
kind of wondered if there was some sort
4:55
of resentment building up because when
4:57
she paid off like 120K, she's
4:59
now resentful because she wasn't put
5:01
on the deed. Or maybe she
5:03
was, but that information wasn't in
5:05
the story. It had me thinking
5:07
along those lines is what she
5:09
said. Absolutely wrong. Of course it is.
5:12
It was kind of shocking the way the
5:15
way that she said it. Like I paid off this fucking mortgage
5:17
and you can't get a few hours to do this for me.
5:20
But maybe the lashing out is just
5:22
the stress. Does it
5:24
excuse it? Absolutely not. So
5:27
the only way forward for this is have
5:29
a conversation, especially about what happened that particular
5:31
day. How was she feeling about this? Is
5:33
it about the mortgage really? Is it just
5:35
stress? Does she want to be put on
5:37
the deed? All things that
5:40
need to be discussed. And, you know,
5:42
the wife mentioning about child services and,
5:44
you know, her being in education and
5:46
seeing a child that's in an abusive
5:48
home and basically all the hoops you
5:51
have to jump through. I've mentioned
5:53
in the past about a teacher friend who
5:55
went through similar things. And
5:57
you can see the toll it takes mentally
5:59
on. them especially you know trying
6:01
to get this trying to get this
6:03
information through to the higher ups and
6:06
and get something done about it you
6:08
certainly take all that home with you
6:10
again not excusing the actual outburst but
6:13
in the comments severe maintenance
6:15
says clearly there's two things happening
6:17
here you'll need to find out what
6:19
happened that day to cause her to act out in such
6:22
a manner she likely had a
6:24
seriously bad day and acted out of an excess
6:26
of anger i could not be controlled at
6:28
that moment so she lost control
6:31
of herself and said something very hurtful
6:34
whether she realizes it or not she
6:36
clearly has resentment issues about paying off
6:38
the mortgage she said she
6:40
wasn't on the original mortgage paperwork which means
6:42
she likely wasn't listed on the deed i
6:45
have to ask did you put her on the deed after
6:47
she paid it off or is the
6:49
house still in your name nikki baskin replies
6:51
that's in i agree she had a bad
6:54
day and a secret frustration about you not
6:56
putting her on the title after the payout
6:58
came out unfortunately this
7:00
happens with misplaced anger and
7:02
uncommunicated needs she should have talked
7:05
to you about it when she paid it off it's
7:07
great though that you're willing to do it now and
7:09
hopefully you can all move on from this quickly now
7:11
that it's not her paying off your house but our
7:14
house love being an asshole
7:16
says am i the only one out here saying it
7:18
was the stupidest thing to do with that money hope
7:21
she paid her credit card debt hopefully
7:23
in the nine to ten percent range
7:26
but probably in the 24 before paying
7:28
a sub three percent mortgage witty
7:30
stock says i think you need to add
7:32
her to the title she may be regretting
7:35
it because she technically has no ownership in
7:37
it and that would be the appropriate course
7:39
of action since i'm guessing she adds as
7:41
much into the house by now as you
7:43
do then you guys can discuss relocating the
7:45
funds that went towards the mortgage to other
7:47
things but more fundamentally i'd ask her
7:49
if she does regret it and offer to take
7:52
her loan back out and reimburse her because
7:54
she isn't allowed to hold this over your
7:56
head if she thinks she might again it's
7:58
not worth it hope you said I'm all
8:00
aboard adding her to the title. It's our home
8:02
after all. I just never thought it to bring
8:04
it up when we agreed to not add it
8:06
to the loan when I refinance. And
8:09
a final comment from RO who says wow
8:11
there's a lot here. Paying off your mortgage
8:13
when you have consumer debt at presumably high
8:15
interest rates plus a ton of student loans
8:17
was a financially poor decision. Since
8:20
that time are you guys making an extra effort to
8:22
pay off our loans and debt? I
8:24
assume without a mortgage you guys are able to do
8:26
that since you continue to live above your means. Is
8:29
she the household manager? Does she
8:31
specifically have to ask you questions?
8:35
The fact that before marriage you have to
8:37
have that conversation sounds frankly exhausting. By
8:39
using the word help you're implying it's her
8:42
responsibility to keep the house but it seems
8:44
like that she's working full time. Did
8:47
you show gratitude for the gift? Did
8:49
you give her gift? Basically
8:51
seems to me that this isn't about the
8:53
mortgage so the question is what is it
8:55
about? Opie
8:57
responded and said I did say I was
8:59
stepping away but saw this notification. I would
9:02
have preferred to pay off the other debt but it was
9:04
a final gift from her grandfather so I left it up
9:06
to her. Because I have a mandatory
9:08
retirement age we are balancing paying off debts
9:11
as quickly as possible and investing for when
9:13
I'm forced to retire. With the
9:15
mortgage gone this debt should be gone within
9:17
the year easily. Our household
9:19
responsibilities are roughly 60 to
9:22
40 without having more. I
9:24
work longer hours and have shift work but
9:26
I'm always willing to fill in especially on
9:28
days where she says I just need to
9:30
sit down all day. She
9:32
does the same for me. We had that
9:34
conversation because of a previous relationship. My
9:37
ex wanted things done immediately and if I didn't do
9:39
it she would huff and do it. For
9:41
example I was taking a break from mowing the
9:44
grass and told me when she asked me to
9:46
load the dishwasher that I would do it after
9:48
I finished mowing and showered. I
9:50
was very grateful when she paid off the mortgage
9:52
and we both like to randomly buy each other
9:54
gifts. If I see her eyeing a book
9:56
then I'll surprise her with it. She does
9:58
the same for me. I think a
10:00
job is stressing her out and some resentment on
10:03
not being added to the deed. Never
10:05
thought of jobs having a mandatory retirement
10:07
before. I don't know why that's never
10:09
popped into my head. It makes sense.
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I was just quickly googling and someone
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says military personnel or air
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traffic controllers or airline pilots. Which
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flavor. That was as bad as
11:00
those leftovers you ate all week.
11:02
Kiki Palmer here, and it's time
11:04
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11:08
with pecan, crusted chicken, or garlic
11:10
butter shrimp scampi. Now that's music
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Discover all the delicious possibilities
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at hellofresh.com. So
11:25
OP comes in with an update and says this is
11:27
going to be a fairly long update I imagine. I
11:30
cooked dinner for my wife last night and after
11:32
we had a very nice and heartfelt conversation,
11:35
she started the conversation by asking me if
11:37
something was wrong because I made her favorite
11:39
dish. She seemed nervous. I told her
11:41
there was something wrong and it was that I fucked
11:43
up big time when she paid the mortgage off. She
11:46
started to interrupt and I asked her to let me
11:48
finish because I wasn't mad at her. I
11:50
told her I was going to add her to the deed and
11:52
it should have happened as soon as she paid off our house.
11:55
She started crying telling me that I didn't have to
11:57
do that. I told her that I wanted to. and
12:00
apologized for not doing it sooner. She
12:02
tried making excuses for me as to why I
12:05
didn't do it so sooner. She mentioned
12:07
something that I had actually forgot about. Shortly
12:10
before she paid the house off I'd
12:12
received a letter saying my FAA Class
12:14
2 medical certificate application had been denied
12:16
for a medical issue and I need
12:19
some doctors before they could reissue my
12:21
class too. Honestly, this wasn't a
12:23
big deal and something that had happened to me
12:25
before and I thought I'd reassure her enough that
12:27
everything was going to be okay. I said
12:30
that I had forgot about that entire episode because
12:32
it may have seemed like a big deal but
12:34
it really wasn't. I reiterated
12:36
that I fucked up big time and asked for
12:38
her forgiveness which she gave me. I
12:41
asked her if not being added to the deed
12:43
had bothered her and she said it hurt her
12:45
feelings and it hurt to hear that because that
12:47
was the last thing I ever wanted to do to her. I
12:50
told her I would take Monday today off and
12:52
if she could take a few hours off at the end of
12:54
her day that we would add her to the deed. She
12:57
said that she would do that but wanted to take the whole
12:59
day and we could go in the morning and then spend the
13:01
rest of the day together. We kept talking
13:03
and I brought up if things
13:05
were more stressful at work than what she had let
13:08
on and she said that one of her students showed
13:10
up and her clothes were covered in cat piss. Not
13:12
the first or second time for this little girl. She
13:15
was crying at this point and she curled up and laid her
13:17
head on my lap. I cried
13:19
my best to soothe her by playing with her hair
13:22
and eventually she was able to start to relax. She
13:25
volunteered that the little girl and some of
13:27
her students had been on her mind when
13:29
she snapped on me. I had an idea
13:31
where this was going to go. Backstory my
13:33
wife found out in her early 20s that she wouldn't
13:35
be able to have children. I won't
13:37
go into detail as to why. Why
13:40
is it fair that terrible people get to
13:42
have children and I can't? I
13:44
did my best to reassure her that I love
13:46
her regardless and that maybe we could look into
13:48
adoption like we discussed before we got married. My
13:50
wife told me that when she reminded me it
13:53
was my turn to take out the trash that
13:55
she wanted to walk and talk with me. Context
13:57
on our house. We have a few acres of land
14:00
and it's about a 5 minute walk to
14:02
the pool trailer where we toss the garbage
14:04
that I take every Saturday to the dump.
14:07
She planned on asking me how I felt
14:09
about fostering some of these kids. Despite
14:11
my previous posts some of these kids do
14:14
get removed but unfortunately some do end up
14:16
going back most of the time. We
14:19
have the extra rooms and I said we could definitely do
14:21
that. We talked about ways to try
14:23
to manage her stress better and she mentioned that
14:25
when we go hiking it helps her clear her
14:27
mind and relax so we agreed to do more
14:29
hiking. I mentioned seeing a
14:31
therapist as well and she was open to the
14:34
idea so we'll be looking into that for her.
14:36
I reassured her that if she feels overwhelmed that
14:38
we are in this together and she just smiled
14:40
and said I know in a
14:43
hand so low voice and we both just
14:45
erupted in laughter. Eventually we
14:47
circled back around to her inheritance and I
14:49
asked her if she regretted using her inheritance
14:51
to pay off our house and she said
14:53
no. She thought about it and
14:55
considered paying off our other debts but wanted to
14:57
do this for us. She said
14:59
the tax specialist advised her to pay off
15:01
other debts first but she just wanted to
15:04
know how doing this would affect our taxes.
15:07
Other times student loan interest were frozen
15:09
and that credit cards were transferred to
15:11
0% interest cards. She understood
15:13
that paying them off first and using the
15:15
rest on the mortgage was probably still the
15:17
better move but she wanted a larger debt
15:19
knocked down. She asked how I felt about
15:22
slowing down our retirement savings and investing and
15:24
just steamrolling the rest of the debt. I
15:27
can retire at 50 and after I retire
15:29
at 56 and I've been preparing since I
15:31
joined the Air Force and continued in my
15:33
current position. In my TSP
15:35
alone I'm closer to 2 million than 1
15:37
million. We will be just fine in retirement
15:39
but we both love to travel and I
15:41
want to continue to see the world. We
15:44
discussed this at length before I mentioned that
15:46
instead of going to Australia for our 5th
15:48
anniversary that we had enough save for it
15:50
that we could just pay off the debt right now
15:52
and still have enough to go to France in
15:54
particular Paris instead. She smiled and
15:56
asked me if I was sure because Australia is my
15:59
number one bookie. at this destination. I
16:01
told her that she always wanted to spend Christmas in
16:03
Paris so why not do it this year and pay
16:06
off our debts. Australia can be
16:08
our 10th anniversary trip. So
16:10
our debt is completely paid off and going to Paris
16:12
for Christmas. Let's just say that
16:14
made her very very happy. So
16:17
we both used a sick day and were able to
16:19
meet with a real estate attorney and tax specialist. Without
16:22
getting into details there were a few
16:24
potential drawbacks were discussed with us but
16:26
ultimately nothing too drastic. Overall
16:28
it took around 3 hours and now my wife is
16:30
officially on the deed. We're about to
16:32
head out for a late lunch and curl
16:34
up in bed and binge watch Chicago Fire.
16:36
Edit for her technicality. Everything has
16:39
been turned in for her to be on the
16:41
deed. Wife and I consider it done. Just waiting
16:43
for it to get officially official. So if
16:45
that bothers people then oh well. And
16:48
I think a lot of the comments were just
16:50
hung up on the finances of this and what
16:52
happened initially but you know I'm not going to
16:54
get too much into that. Their money, their choice
16:56
whatever but I'm so glad that they did talk
16:58
things out in the end and come to some
17:00
sort of healthy resolution. But
17:02
now I'm going to turn this one
17:04
to you guys. What do you guys
17:06
make of this situation? Let me know
17:09
your thoughts down in the comments below.
17:11
Let's move on to another story. Our
17:14
next story comes from automatic trick 7755 and
17:17
says I'm IV asshole for
17:19
giving my ex girlfriend her ticket
17:21
for Taylor Swift but cancelling everything
17:23
else. I'm working
17:25
overseas right now and I managed to get
17:28
tickets for Taylor Swift in Singapore. The
17:30
concert is this coming Saturday. My
17:33
plan was to fly my girlfriend over for a
17:35
little vacation. It's a long
17:37
way from Connecticut so she was going to be
17:39
staying for 10 days. I was clear and I
17:41
told her that we would have two weekends together
17:44
as well as the evenings but I still had
17:46
to work during the daytime. Last
17:48
week she called me and said she was not
17:50
okay with this being long distance and that after
17:52
the concert we were over. I asked
17:55
for clarification. She said she would
17:57
come for the 10 days and we could have fun.
18:00
But then we were done. I can
18:02
have fun without paying for it. I transferred
18:04
her the one ticket and cancelled everything else
18:08
She called me to scream at me for canceling
18:10
the flight in hotel I told
18:12
her that I wasn't going to discuss it and hung
18:14
up. I blocked her on everything I'm
18:16
hearing from people back home that she has
18:19
lost her shit She'd been
18:21
bragging about getting to see Taylor Swift
18:23
and the vacation now She's telling everyone
18:25
that I cancelled the plans just out of the blue.
18:27
I guess that is sort of
18:29
true I did not discuss it with
18:31
her before I made my decision and did what I
18:33
did I am blocked her long
18:35
enough to offer to buy her the ticket if she wasn't
18:38
going to use it Our conversation
18:40
was unpleasant and involved a lot
18:42
of profanity The upshot was
18:44
she would rather let it go to waste and let
18:46
me have it Her friends have been
18:48
defending her and calling me an asshole. My position
18:51
is that I would feel like a John flying
18:54
her over for fun You
18:57
guys got to fill me in on that feel like a John
18:59
I don't know if it was just like a
19:01
typo or that's actually a saying I googled it
19:03
and I couldn't see anything But
19:06
you guys have to let me know What
19:09
planet is this girl from
19:12
You you announced that you're gonna fly her over.
19:14
It's gonna be a good trip She's gonna get
19:17
some time alone on this trip as well
19:19
She's gonna see Taylor Swift and she says but
19:21
hold on first before I come over
19:23
I just want you to know After
19:25
this trip, we are done a pre
19:28
dumping. What the fuck? I
19:30
wouldn't have even bothered offering that ticket initially I
19:32
wanted to cancel and everything or just kept the
19:34
ticket one or the other if you couldn't cancel
19:36
it No contribution says not the asshole, but why
19:38
did you give her the ticket when you'd pay
19:40
for it? Should have kept it and taken
19:42
someone else. She was just using
19:44
you as a sugar guardian Hopefully you
19:46
find someone that you deserve soon Mr.
19:50
Potter ordinary says not the art software
19:52
cancelling that all expenses paid vacation But
19:54
you're the asshole to yourself for wasting
19:56
the ticket by sending it to her.
19:58
Hope he says the ticket was a birthday I
20:00
know it's stupid but I promised her that ticket.
20:03
Bright Firelight says, you're a good dude,
20:05
don't let crazy tell you otherwise. Life
20:08
is a beauty joy replies to that saying good dudes can
20:10
be idiots too you know. Mate
20:13
says, what in the world did she
20:15
expect? Predumping you before her trip. Dr
20:18
S Falcon says, if you're gonna be a gold
20:20
digger then at least be a smart gold digger.
20:25
Carol Cat says she was probably just trying
20:27
to manipulate OP to take time off from
20:29
work when she was there so he could
20:31
chase, cater to and beg her like a
20:33
rejected dog. So he could take
20:35
her everywhere and spoil her. Sounds
20:37
entitled. She might have been
20:39
looking for grandiose attention and gestures but
20:41
instead she got consequences. I
20:44
hate when that happens. OP should
20:46
send her a card and welcome her to the
20:48
karma lounge and fuck around and find out club.
20:51
So around 5 days later OP comes in
20:53
with her update and says my ex sold
20:55
me back her ticket at face value. She
20:58
couldn't find anyone interested in paying for her flight
21:00
and hotel over. I didn't want
21:02
to see Taylor Swift but it was easy to sell a pair
21:04
of tickets for a nice bit of change. I
21:06
wish I had more to tell. I wish I could say
21:09
that I went to the concert and met a lovely woman
21:11
that my ex sold the ticket to. I
21:13
wish I could say that my ex flew out on her
21:15
own dime to win me back at the concert. None
21:18
of that would be true. I made money selling
21:20
something I bought for a woman I thought I was going
21:22
to marry. I'm glad I found out
21:24
what sort of person she really is before I made
21:26
that mistake. Sorry this isn't more
21:28
exciting. Thanks everyone for helping me see
21:30
my way through this. I
21:33
hate telling people it's a positive when they've just
21:36
had a break up. It always feels like you
21:38
know sort of backhanded or whatever. But
21:40
you know OP did dodge a bullet
21:42
in this situation. Getting pre-dumped when you've
21:45
just offered something absolutely amazing for them
21:47
is just a new level
21:49
of wildness for me. But what do you
21:51
guys make of this situation? Let me know
21:53
your thoughts down in the comments below. I
21:56
just a huge thank you from the bottom
21:58
of my heart for getting involved. in today's
22:00
stories. Your love, your support, your time always
22:02
means the absolute world to me. So thank
22:04
you so, so much. You are amazing. And
22:06
I will see you in the next one.
22:09
Take care and much love. Have
22:39
a catch yourself eating the same flavorless dinner three
22:41
days in a row. Dreaming of
22:43
something better? Well, HelloFresh is your
22:45
guilt-free dream come true, baby. It's
22:47
me, Geeky Palmer. Let's wake
22:50
up those taste buds with hot,
22:52
juicy pecan-crusted chicken or garlic butter
22:54
shrimp scampi. HelloFresh.
22:58
Stop dreaming of all the delicious
23:01
possibilities and dig in at hellofresh.com.
23:04
Let's get this dinner party started. Question
23:15
one and your starter for a perfect ten
23:18
was this. How many different colors
23:20
are on the national flag of Greece? And
23:22
the answer is there are two colors and they
23:24
are blue and red.
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