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I'm going to cry. You

2:42

can't claim to sign her, so don't even try. This

2:47

is the Nicki Bricio. All

2:49

right, Nicki and Bricio listeners.

2:51

Today, we have a very

2:53

special guest. He's

2:56

a Wall Street Journal best-selling

2:58

author, host of Apple's chart-topping

3:01

business podcast Trading Secrets, co-founder

3:03

of Rewired Talent Management, entrepreneur,

3:05

investor, speaker, and of course,

3:07

you all know him from

3:10

The Bachelorette. And so much

3:12

more, please welcome Jason Tartay.

3:14

Wow. What

3:16

an intro. Thank you guys for having me. I

3:20

wish I could give you a rose. Here you

3:22

go. Well, I would accept it. I

3:25

like it. I mean, you say

3:27

all those things. I feel like you should

3:29

be the next bachelor. Okay, that was on

3:31

my list to ask later in the show,

3:33

but would you say yes to

3:35

being the bachelor? Nicki,

3:37

I have a funny story actually. I'm going to answer

3:39

that question, but you just reminded me because my buddy,

3:41

I was in Seattle for the book tour, okay? And

3:44

my buddy reminded me, do you remember when we

3:46

went to WWE back in Monday of 2018? I

3:50

was like, yeah. He goes, you remember the Nicki Bella

3:52

thing? I was like, oh

3:54

my gosh. I ripped my shirt off and threw it in your

3:56

face. You ripped it through? And it's like

3:58

there was this whole thing about it. It was

4:00

whole. Oh, yeah, but the bachelor, you know, like

4:02

I'll download that's that was awesome. That was I

4:04

got a text from I think was

4:06

joy Lynn after and she's like Hey,

4:09

you know, so now that you're single I

4:12

want to set you up. I think you and this

4:14

guy named Jason from the bachelorette I just think you

4:17

guys are a lot alike and like she went on

4:19

and like wanted to set us up on a date

4:21

and Wasn't didn't I kind

4:23

of start seeing Artem at that time?

4:25

No, but I just remember I remember

4:27

you went out with another bachelor I cuz

4:29

I read out with Peter Kraut with his

4:32

Peter But

4:34

Peter that was just that one time and then

4:37

Never again, you know second no second

4:39

day second day. Yeah, what's funny because

4:42

he's a stud he is a stud It was just

4:44

bad like it was more the show pushed

4:46

me to go on a date I was not ready to go

4:48

on a date and I

4:50

kind of felt bad for Peter because he got

4:53

a very like cold version of me because I

4:55

Was just still in a lot of pain and

4:58

not ready. I do it ready though. I

5:00

felt bad after that I was like, sorry, you're

5:02

like such an amazing guy, but I

5:04

am NOT looking for anyone right now I

5:06

just need a soul search and heal Poor

5:09

guy, but going back to that

5:11

Seattle you were there. Oh, yes,

5:14

I was there I was I we're doing

5:16

a tag match. I think is that when the

5:18

whole live incident happened? No Oh, just let me

5:21

finish Nicole. Oh It

5:23

was our show before we were headed to Australia But

5:26

I remember we were talking about the rowdy guys

5:29

in the front which was the hot rowdy hot

5:31

guys And so the best is when she

5:33

ripped off her shirt and threw it and we backstage were

5:35

like I was like, oh that was good Like you I

5:37

was like, I got him, you know, you've got him Wrestlers

5:41

will do and then it happened to be you know, I

5:43

know Which was

5:45

so hilarious But well

5:47

cuz we all were talking you guys were

5:50

in catering for a bit weren't you Yeah,

5:53

what do you mean? Like, you know, were

5:55

you guys backstage before the show started? Oh,

5:59

yeah, so you're using all that I'm sorry, I'm using the... I

6:01

don't know about it. Yeah, because I remember all

6:03

those girls were like, oh, do you see the

6:05

group of hot guys walking around there in catering?

6:07

Sorry. So that was like, yeah, I remember that.

6:10

Wow. That's funny stuff. I'll

6:12

get them. Many moons ago. Yeah. Yeah.

6:15

Many moons ago. But to your question, so

6:17

the whole bachelor thing, the last time that

6:19

was even a discussion was in 2018. That

6:22

was when it was between me, Colton

6:25

and Blake Horseman. They obviously went up

6:27

with Colton. And I joke around

6:29

now when people say it. I'm like, honestly, at

6:31

this rate, I'm ready for the golden bachelor.

6:33

I'm like on the other... So damn long

6:35

ago. But it's all good. I

6:37

think you'd be an amazing bachelor. I do

6:40

too. And I've been craving an era

6:42

around your age. Because how old are

6:44

you? I'm 35. Oh,

6:47

so you're still like youngish. I

6:49

mean, well, no, very young, but meaning... Turning.

6:52

I'm like, it's like... Well, we're 40. So

6:54

welcome to that clip. Yeah, but you get... How's

6:56

the... I feel like 40 is

6:58

the year. It used to be like 30. I feel like

7:00

40 is it. Yes.

7:03

That's when you thrive. I agree. I

7:05

definitely agree with that. And I feel

7:07

like thanks to people like Gwen

7:09

Stefani and J.Lo, when I look at

7:12

those women and how incredibly I

7:14

look at their age, it's like you turn 40 and you don't

7:16

feel anymore. It's like a midlife crisis. Yeah,

7:18

but I feel like you thrive and we're

7:20

going to have to get into it is

7:22

when you are financially successful and what you

7:24

define as success and free. And

7:26

that's why when we get into his book,

7:29

I feel like when you have that and you enter 40

7:31

and then you're very secure with yourself, that's when

7:33

you're winning at life. Yeah. So

7:36

it's like financial freedom in your 40s

7:38

and you're thriving, it feels like. And that I think

7:40

would be... I don't think a dating show has done

7:42

that yet, but someone in that like 40 to 50,

7:45

35 to

7:47

like 50 range. I think that would be a

7:49

hell... Because you've gone through so much. You've seen

7:51

so much. But like you're still secure in where

7:53

you are. And you know, at that age, some

7:55

people have kids, they don't have kids. Like maybe

7:57

you guys should go to E! News and get

7:59

this going. It's really great because my mom and

8:01

I spoke about this because my mom's a huge fan

8:03

of you like she loves you. I mean loves you.

8:06

And she wants you to be the bachelor. She thinks

8:08

you're like the greatest catch in the world. Oh

8:10

yeah. Like not even America.

8:12

She thinks you're globally the greatest.

8:14

I'm like blushing right now. Thanks

8:16

mom. Right? That's amazing.

8:19

Yeah. She was so like she already said like

8:21

call me after the interview. I need to know how

8:23

it goes. What a sweetheart. But we were

8:25

talking about that that they haven't done yet a

8:27

season and I think seeing the success of the

8:29

Golden Bachelor that they need that age group 35

8:31

to 45 like someone in between there

8:35

even though I think 35 because I think

8:37

it would be great to get women in their 30s.

8:41

You have the bachelor around Jason's age and

8:43

they're going to be ready to have a

8:45

family and they know where they are like

8:48

in a career and in life. And

8:50

that would be entertaining to watch. I want to watch women

8:53

in that at that age and how the Golden Bachelor will

8:55

be the 40 thriving bachelor or about

8:57

Jason 35 or 35. You

9:01

could find the rhyme of some sort. But I

9:03

also think like you think about story arcs

9:05

like you guys know this family by WWE or

9:08

your show story arcs are what sell and

9:10

I think at that like 35 to 45 range

9:12

they're missing

9:15

something there because think of the stories they've

9:17

endured with either parents or kids. I mean

9:19

there's so much in that time frame. So

9:21

there's some story arc and I think you

9:23

two are on to some EP work. No

9:25

way. We like being

9:27

EPs. Yeah. That's how you make

9:29

money while you sleep. That's true. There

9:31

you go. That's the answer. Don't be cast.

9:33

Get on the EP side. Be production style.

9:36

I think we all need to have a good

9:38

chat after this sesh. We should all

9:40

talk about it because there could be something really good

9:42

there. We all have good ideas. I agree. I

9:44

think we should have multiple chats. I got

9:46

a few questions. Yeah. I'll bear chat. You

9:49

know. Couple chats actually. I love that. Now

9:51

that we're talking about it. Right. Oh

9:54

yeah. So Jason we're so excited

9:56

for your book Talk Money to Me and

9:59

Nikki and I. You know, we're curious. Let's start from

10:01

the beginning. What made you want to write this book? Yeah,

10:04

so the big thing was when I was 16,

10:08

my grandfather sat me down and he

10:10

showed me every single dollar that he

10:12

had earned over his lifetime. And he

10:14

showed me my step-grandmothers and our uncles

10:17

and aunts and he managed it all. And

10:20

his whole story behind that was when he was,

10:22

he was an oral surgeon, but he had all

10:24

of his money with a financial advisor. And he

10:26

kept calling the advisor and this is when regulations

10:28

didn't exist like they did today. But they like,

10:30

he said, you know what, you're always telling me

10:32

when to buy and never when to sell. And

10:34

he slowly started catching on, did his due

10:36

diligence, realized there was a ton of fraud

10:38

happening there, took all of his money back,

10:41

but lost about 10 to 20% of his

10:43

entire net worth. And he said, from that

10:45

point on, I will teach myself money, I

10:47

will teach myself to talk about it, and

10:50

I will help manage it for the family.

10:52

And so I'll never forget at 16, and

10:54

I was enamored by it. I was so

10:56

blown away by these numbers. And another lesson

10:59

he always taught me is like, you know,

11:01

stories can shift and context can change, but

11:03

numbers don't lie. And so that was

11:05

something I learned at 16. But

11:08

we know today, especially, and there's

11:10

a whole thesis done going into

11:12

this book, we know that when

11:14

love meets money, in the United

11:16

States, we have so, so many

11:18

issues with financial infidelity, the success

11:20

rate of couples that talk about

11:22

it, cheating, divorce, it goes on

11:24

and on. And some of these

11:27

are like, you know, scary topics.

11:29

But unfortunately, especially with money, we

11:31

only learn when we step into

11:33

it. So the theory is, we

11:35

weren't taught this stuff, how are we taught

11:37

to talk about it? And so that was

11:39

the thought basis for the book. Gosh, and

11:42

I love that. Great. It is and

11:44

it's important because I think of my

11:46

past relationship when I was engaged and

11:48

was signing a prenup.

11:50

And it was crazy, the people

11:52

that got into my head for it and

11:55

against it. And it really

11:57

messed with me mentally because instead

11:59

of taking some something that now, me

12:01

now and now being married, I was like,

12:04

Oh, that's just protection and different

12:06

things like non emotional. But it was

12:08

crazy then how so many people got

12:10

in my head and made it an

12:12

emotional thing. And then I

12:14

started to feel like not as loved and

12:16

not cared for. And it was crazy being

12:19

in that process that a few years ago,

12:21

and be like, Oh, this is totally

12:23

non emotional. It's just this is the ABC,

12:26

the things that I need to get done to

12:28

protect what I have built over the past few

12:30

decades. If you know

12:32

if you knew then what you know now,

12:34

what would you have done different in that

12:36

first relationship as in regards to the prenup?

12:39

I would have told everyone to fuck off. I would

12:41

have been like, I would have been like, and I

12:43

still signed it then, but I would have signed it

12:46

in the way now of not having an emotional

12:48

to it. Like, it doesn't mean he loves you

12:50

less, or he's gonna leave you

12:52

to certain place and not like you're not going

12:54

to be taken care of, you're going to be thrown on the

12:56

streets. I would have told everyone to fuck

12:58

off. It has nothing emotional to it. This

13:01

is strictly business. And it's not making my

13:03

relationship business. It's just what needs to be

13:05

done. Well, and I feel like I was

13:07

the only person who wasn't emotional about it for

13:09

me. I was like, dude, who cares? Like you're gonna make

13:11

your own money anyways. But

13:13

yeah, it is crazy how

13:16

emotional got around that whole

13:18

prenup. And I was very

13:20

non emotional about it. But

13:23

now being in my like, I just think

13:25

of my situation. And it was crazy because

13:27

at first when Artem and I, before we

13:29

were getting married, I brought up you know,

13:31

about the prenup just because I'm like, I've

13:34

worked hard on all these things. And like, I

13:37

have real estate, I have a lot of

13:39

investments and different accounts, and I

13:42

just wanted to protect it. But also know

13:44

like, I would never leave

13:46

someone stranded too, you know, but it's

13:48

yeah, those conversations are tough. They're

13:51

tough. And here's what I tell anyone back home

13:53

if they're struggling with the conversation, or they're thinking

13:55

about it. Every person has a

13:57

prenup we if you're married right now, pre-nup.

14:00

You might be saying, no I don't. You

14:02

do. It's your state law. So every state

14:04

has different laws. California is governed different than

14:06

Tennessee which is different than New York and

14:09

Florida. The whole idea I think about a

14:11

pre-nup is we could say we all have

14:13

unique situations with our finances. Why

14:15

don't we customize the state law? And

14:17

I don't think if someone's pushing for

14:19

a pre-nup that means that they're going

14:22

to take advantage. Sometimes it could be

14:24

advantageous to the individual that's earning less

14:26

to actually have a pre-nup. So the

14:28

conversation should start with everyone

14:30

has one. It's just the state laws. You

14:32

want to make it your own. Now here's

14:34

something that's crazy. I actually read this stat

14:36

today and it connects to this. We

14:38

think about getting married in our 20s and our 30s

14:41

and then it not working in success rates.

14:43

Well there's this big very

14:45

very relevant topic. It's trending on

14:48

TikTok today and it's called the

14:50

gray divorce. So the gray divorce

14:52

is that since 1990 Americans over 50, the divorce

14:57

rate has doubled. And over 65, over 65, it's

14:59

tripled since 1990. And

15:06

it's actually all the statistics are leaving

15:08

women at a huge financial risk right

15:10

now. Because of this demographic and this

15:12

age what they're saying is women in

15:14

this age group that are going to

15:17

the divorce are having an experiencing 23

15:19

to 40 percent decrease in household income

15:21

the year after and 70 percent of

15:25

households in this age group are the

15:27

money is being managed by the man

15:29

in the relationship. So there's a ton

15:31

of things that we're leaving ourselves to

15:33

exposure here and through post nups and

15:36

pre nups a lot of this stuff

15:38

can be addressed. What is the biggest

15:40

mistakes that you see couples make when

15:42

it comes to finances? I think

15:45

the biggest one is like so we know that

15:47

right now 50% of couples just don't even

15:49

feel comfortable talking about it. So the biggest number

15:51

one 101 mistake is we

15:55

have been trained especially people that are listening to this

15:57

are like starting to date again. We're trained to look

15:59

at red flag. right? Like we hear

16:01

it everywhere, red flag here, red flag, gaslighting, all

16:03

this, right? But

16:05

the thing with finance is we are trained

16:07

not to even show our red flag. So

16:09

being able to see someone's red flag is

16:12

next to impossible because they're all buried. People

16:14

are gaslighting through their assets. They're showing they

16:16

got this and this and this, but they

16:18

don't have it. It's all an illusion. So

16:20

the biggest thing we have to do, and we, you know,

16:23

of course we can get into like some of the numbers

16:25

that I really think people should address, but we know we

16:27

have to talk about it. And then we know if we're

16:29

talking about it, it's got to be healthy and not weaponized.

16:32

So 73% of all

16:34

couples say that money is a material

16:36

issue, like a big, big issue in

16:38

the relationship of those 73% over

16:41

half of them said that they have decreased intimacy

16:43

with their partner because of money issues. So I

16:45

think the biggest issue is that we're not talking

16:48

about it. And if we are, we're just not

16:50

doing it in a healthy way. And

16:52

that's, I, I believe that it's so

16:54

true. I think especially for a woman

16:58

when it comes with money talk, and I think

17:00

because, and I could be wrong here, but women

17:02

are getting higher positions in companies and women are

17:04

making more income and then they're in these relationships.

17:07

And if they start to become the breadwinner, I feel

17:10

like not that they lose like

17:12

an intimate connection with their man, but there's

17:14

something about a way a

17:16

woman works that like, well, I'm not being taken

17:18

care of in this way. So

17:21

now I'm like losing that intimacy with him when

17:23

they should just all be communicating, right? But I

17:25

feel like I've been hearing that a lot. I've

17:28

been hearing that. So the gap is it's,

17:30

it's getting very tight. And I

17:32

think in a very short period of time, I

17:34

think it's going to completely flip. And

17:37

that is creating this whole it's

17:39

a, it's a very talked about topic,

17:41

this emasculating process, which is creating resentment.

17:43

And imagine if like two individuals can

17:45

look at each other as a unit

17:48

as opposed to competition. Imagine they can

17:50

grow as one. Think about the benefit

17:52

that has not only to you, but

17:54

to your kids, to your kids, kids,

17:56

to the legacy behind that, but

17:58

it's just, it's not being talked about. The other

18:00

thing too is we know that women

18:02

live longer than men. We just look

18:05

at any life insurance policy out there.

18:07

We know that historically women are living

18:09

longer than men. So that shift of

18:11

taking ownership is just so, so critical.

18:13

Yeah. Well, you know, when Brian and

18:15

I first moved in together, I told

18:18

him, I'm like, I can put all the utilities under

18:20

my name, but I will write an invoice for you

18:22

at the end of each month. And he

18:24

was like, cool. And he was like busy on the road. And

18:27

at the end of each month, I like

18:29

rode out like everything he owed me and

18:32

I like showed him like, you know, and I had

18:34

all the bills underneath. So I wasn't ripping him off.

18:37

And then I said what he owed me and he'd write me a check. And

18:39

it was weird because, and I was

18:41

a tight ass. Like I am very

18:44

like conservative. Yeah, I'm frugal with

18:46

my money. So he, and he's

18:48

the same way, which works great, you

18:50

know, but, um, it's so funny. I just

18:52

did that because I didn't want to feel

18:54

taken advantage of, like, because he was gone

18:56

busy all the time that everything would fall

18:58

on me. So I was just very honest

19:00

at first, like, Oh, if you move, we

19:02

move in together, like just so, you know,

19:04

half and half. Yeah. I

19:07

think doing that you're, you're, you're minimizing

19:09

the area for exposure and that is

19:12

where resentment builds. But I got

19:14

to tell you this story because congratulations for

19:16

you nailed that. But I want to show

19:18

you, I want to show you where there's

19:20

a little room for liability. You left your

19:22

friends a stud. We all know he's going

19:24

to pay no issue, but I put out

19:26

on Instagram, I said, I needed you any

19:28

stories. If you were a loved one, have

19:31

dealt with financial fraud, send me the story

19:33

of any dumb shit I put out there

19:35

in seven years on Instagram. I have

19:37

never ever had more feedback. Like whether

19:39

it was a breakup or a new

19:41

relationship, I have now we had thousand

19:44

plus emails. I couldn't believe it.

19:46

Like the email box broke, but I'm digging

19:48

through all these and I interviewed one person

19:50

who went anonymous. She had a similar situation

19:52

in which what her credit score was strong

19:54

so she could qualify for the mortgage. Her

19:57

and her husband got married very quick. It

19:59

was within one. one year. That's already like,

20:01

okay, if you're going to get

20:03

a mortgage together, you're removing that quick and you're

20:05

not having the discussions, all right, a little bit

20:07

of a yellow flag, we'll call it. So she

20:09

puts the mortgage under her name. He makes more

20:12

income though, but can't qualify for the mortgage. So

20:14

he says handshake agreement, I'll pay half of the

20:16

mortgage, I'll Venmo or Zell you in. She

20:18

says, okay, they get the mortgage, they

20:20

put his name and they put her name

20:22

on the deed, meaning they both have ownership

20:25

to the house. The day they close, they

20:27

get a letter from the IRS. He has

20:29

hundreds of thousands of dollars of back taxes.

20:31

The IRS now owns her home

20:34

and on top of it, because it's

20:36

her mortgage, she's in charge of paying

20:38

it back. And now she's liable for

20:40

his back taxes. And this is a

20:43

true story. This is a true story.

20:45

Obviously they got divorced. Apparently he had

20:47

done this in a previous relationship. This

20:49

is like a fraudulent scheme of his.

20:51

And this woman who went by Jane

20:54

Doe and her new husband had to

20:56

put a payment plan back to get

20:58

their home back and pay off his

21:00

taxes. And they did it. And it's

21:02

terrifying, right? So even unbelievable for you

21:05

have the conversation. It's great. The one thing I

21:07

want to say out there is like, even if

21:09

you're having the conversation and you trust and you

21:11

love in your door, your person still just going

21:13

the extra step with some due diligence, it only

21:16

sets everyone up for success. Right? The more we

21:18

know the better position. I didn't even think about

21:20

that. I know that's scary. Like Artem and I now

21:22

are in a place because we

21:24

are the types. We're very much equal in

21:27

a lot of ways, but we wanted to

21:29

be a unit. So time someone else is

21:31

going to thrive and maybe someone else then

21:33

will thrive and we go back and forth,

21:35

but we wanted to be a unit. But

21:38

what we took as extra steps is we

21:40

have the same business managers. So

21:42

they're very honest and they know like, no,

21:44

this person can do this here or this

21:47

person can help out here or Hey, we

21:49

both need to grab this from Mateo's account.

21:51

And I have to tell you, it has

21:54

stopped so many disagreements that we had in

21:56

the past because we

21:58

trust our business managers. and there's no

22:01

emotion for them. It's just they

22:04

look at like your grandfather said they're looking at

22:06

numbers they're not lying these are the

22:08

facts yeah so this is what this person's gonna

22:10

do and this is what this person's gonna do

22:12

and it stopped hombre because for a while we

22:14

were having the disagreements I felt like there was

22:16

resentment and now we're in like the

22:18

best place and it was

22:21

the smartest thing we did get the same business

22:23

managers because they're just gonna be honest about numbers

22:25

right I love it I love

22:27

and then it creates like you said it creates

22:29

unison less fights and a better like

22:32

a happier healthier life totally welcome to

22:34

a special segment brought to you

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23:11

and I feel like I've been able

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to be this hands-on mom work from

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home I feel like I can just

23:17

balance everything as long as I

23:19

have some reliable internet today I

23:21

was able to make my kids some breakfast but

23:24

before I took them to school I had to

23:26

jump on a video call head to my office

23:28

boom I sit on the desk and next thing

23:30

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24:21

know what I love about springtime is that

24:23

you kind of get a refresher closet. You

24:26

know, fall, winter, we're all bundled up.

24:28

And then when spring comes, the

24:30

sun is truly out. You get to ditch

24:32

all the layers and just refresh your look.

24:34

I mean, I feel like I am

24:36

totally in for like refreshing my

24:38

wardrobe. Bringing a little color. I

24:41

need spring shopping. I mean, Bree,

24:43

Walmart has like some incredible styles

24:45

out right now and so

24:47

affordable. Oh, that is right. This

24:50

spring, there's only one destination for

24:52

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24:54

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a bold swimwear or graphic beach

25:00

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25:02

or even elevated furniture and mix

25:04

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25:07

spring gathering at home. Discover surprisingly

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stylish new season favorites at Walmart

25:11

Now or shop it on the

25:14

Walmart app. Go to

25:16

walmart.com/Now Trending. That's

25:18

walmart.com/Now Trending. Now

25:20

Trending. Your style

25:22

at Walmart. And

25:25

you know, I feel like Jason this year

25:28

going into the political campaign is when you

25:30

see a lot of relationships get rocky. A

25:33

lot of uncertain times like I'll be honest someone

25:35

like myself. Are we in a

25:37

recession? Are we not? We just in one.

25:39

Are we going into one? But what is

25:42

some advice you can give to

25:44

our listeners and whether it's individually or

25:46

as couples, that how you can thrive

25:48

in uncertain times because I feel like

25:50

political campaigns really make things so uncertain.

25:52

And then I don't know the whole

25:55

recession is it here or not? It's

25:57

just seems like Are we fucked or not? What's

26:00

going on? Nothing Jason. Nothing.

26:03

Here's the crazy thing is for so long,

26:05

we are like, we are fucked. We

26:08

have nowhere to go. What are we going to do? But here's

26:10

the thing. Everyone keeps saying, we are screwed. We

26:12

are screwed. We are screwed. But then all the numbers keep

26:14

coming back. We're like, wait a second. S&P 500 is up

26:16

25% last year. Bitcoin

26:19

is running. Unemployment is at

26:21

all time low. So we're getting all

26:24

these conflicting economic indicators that are creating

26:26

a lot of confusion. I

26:28

think there's some things we have to have a

26:31

lot of compassion for right now. First

26:33

time home buyers. First time home buyers in 2020 versus 2024.

26:37

Right now, a first time home buyer has to make 80% more

26:39

than they did in 2020. That

26:42

is terrifying. That was four years ago. The

26:44

cost of childcare in the last three years is up

26:46

40%. The cost of restaurant

26:49

prices is up 25%. So

26:51

we know that cost is moving at a very

26:53

fast rate. We also know interest rates are up.

26:56

So the biggest thing I need people to

26:58

listen to right now, especially by like 101 or 201

27:01

personal finance people for so long for

27:03

about 20 years, you could do nothing

27:06

and you were okay. When

27:08

interest rates were zero to 2% to 3%, it was okay. Other

27:11

people weren't making that much money. So

27:13

you could sit and coke. If

27:15

you are sitting and coasting today, you

27:18

are leaving you yourself, your

27:20

future, your family in serious,

27:22

serious jeopardy. Because there are

27:24

people that are getting the education, they're learning

27:26

this stuff that at no risk are

27:28

making five to seven percent on their money. So you got someone

27:31

who has $100,000 at no risk, turning in debt to $107,000 in

27:33

one year at

27:37

no risk and then doubling and more and more.

27:39

So if you're doing nothing, you are

27:41

caught behind. Now I want to put

27:43

in perspective, $100,000 invested in 1974. If

27:47

we fast forward to 2023, if

27:49

you reinvest all your dividends and your returns,

27:51

$100,000 take

27:53

a shot. How much do you think that's worth at the end of 2023? And

27:56

19 what? Fast

28:00

forward to 2023, you just invest $100,000, you don't

28:02

invest any more other than the interest that you're

28:04

gaining on it. What is it worth in 2023? Oh

28:07

gosh, maybe $5 million? No, I would 10.

28:10

I was going to go way lower. I was thinking like maybe

28:12

530, 530,000. 530,

28:15

okay, over $18 million. No.

28:19

And that's not doing anything special.

28:22

That's putting 100k is a lot of money, but

28:24

that's putting it in one vehicle for 50 years

28:26

and not touching it. Yeah. Wow. If

28:29

you are not making moves, you're going

28:31

to be caught so, so behind.

28:34

I agree. And it's election

28:36

year. We know with election years, actually the

28:38

market typically ramps up and moves because

28:40

the last thing the current president would

28:42

want is the market to shake up

28:44

dramatically. So usually you'll see more advantageous

28:47

things. I would imagine we'll see

28:49

interest rates come down a little bit. We'll

28:51

see the market continuing to run. We'll see

28:53

unemployment to stay low so that they have

28:55

the speaking points for reelection. With

28:58

that ad, once it starts getting real hot and

29:00

heavy, it's crazy. But the biggest

29:02

advice, there's so much uncontrollable.

29:04

There's so many uncontrollables out there. The problem

29:06

is we know in this country, majority of

29:09

the humans don't manage the controllables.

29:11

So stop worrying so much about the

29:13

election. First take care of

29:15

your money and then worry about the uncontrollable. Wow.

29:18

And what's your suggestion? Like to say listeners

29:20

right now, they're like, but I don't have 100,000 and

29:22

I don't even have 10,000 to

29:25

invest. Where

29:27

does someone start? Like

29:30

at what cost and what do they do? Okay.

29:33

So I used to be a banker and

29:35

I used to underwrite loans. So what does

29:37

that mean to people listening? I got to

29:39

see the numbers that the banking institution defined

29:41

whether or not you were high risk or

29:43

low risk. So when I wrote this book,

29:45

I wrote it in order of these numbers

29:47

that we would look at, all of them

29:49

end up contributing to how much cash you

29:51

could have. So let's just even talk about

29:53

credit. You don't think about, okay, my credit

29:55

score will impact how much money I could

29:57

have. But I have two crazy scenarios for

29:59

you. Scenario one, and I got

30:01

this from a dealer directly and I saw

30:04

the paperwork. Person walks into dealership, buys a

30:06

car, G-Wagon, 150k. They

30:08

have a set of almost a perfect credit score. It's like 780.

30:11

Their interest rate 2%. Between

30:13

the payment of the car and the insurance, they were

30:16

paying roughly around $2,200 per month. Next

30:19

person the same day comes in. Okay,

30:21

that's 150k G-Wagon, $2,200. $21,000

30:23

Toyota Corolla. They

30:26

have under a 600 credit score. As a

30:28

result of that, their interest rate's 28%. The

30:31

insurance premium is extremely high. That

30:33

person with a $21,000 Toyota Corolla's

30:36

monthly payment was more than the

30:38

person with $150,000 G-Wagon. Dang.

30:42

And so we think about how do we

30:44

get more cash, how do we get more

30:47

cash? We don't even look at basic things

30:49

like credit, seeing how much more we're paying

30:51

over a period of time because we haven't focused

30:53

there. So that's a great place

30:55

to focus, but of course, really understanding

30:57

the inflows that are coming in, the

30:59

outflows, and how you can minimize your

31:01

outflows so that you have more money

31:04

to be making money on your money

31:06

in a time where people can make

31:08

a shit ton of money with taking

31:10

on very small rent. Yeah, so

31:12

true. It really is. And you know,

31:14

it's crazy, and I don't know if

31:16

you're seeing this, but with AI, and

31:18

I feel like all the AI-generated news

31:20

and facts, I feel like I

31:22

don't know anymore what's real or fake. And

31:25

so where do I go to find good

31:28

financial news? Or

31:30

like when I'm, because there's a lot of times I'll

31:32

see things and I'm like, wait a second. It just

31:34

sucks. I feel like it's the world we're in right

31:37

now. Like what's real, what's not. But

31:40

what to you, like for you, you're like, it's the

31:42

truth, these are the facts. Like when you want

31:44

to kind of go research finances or any financial

31:46

news, where do you go? I

31:49

go to, there's a website

31:51

called finviz.com, f-i-n-v-i-z.com. They have

31:54

very up-to-date information. All

31:56

publicly traded companies have to, they

31:58

have to publicize. of their records

32:00

and everything has to be perfect. So all publicly

32:03

traded records are going to be legit. And then

32:05

if you go to any of the brokerages like

32:07

Fidelity, they're going to have very credible information. But

32:09

when you start to go to some of the

32:12

news outlets, the information is going to change based

32:14

on of course their bias. And so that is

32:16

something that you have to highly consider. But there

32:18

are so many aspects to this. Not everyone's going

32:21

to be an advisor. They don't have to be.

32:23

But with this book, Talk Money to Me, I'll

32:25

teach you how to hire someone, the things you

32:27

have to ask them, the things you have to

32:30

know. Because we're not all going to be

32:32

experts. But if we start working with experts, we have to

32:34

know what to do and how to do it. I like

32:36

that because we're going to be hiring for our tasting

32:39

rooms. So we need to get all those tips in the

32:41

book. Oh, for sure. Yeah. Because

32:43

her and I can be so nice and pushovers. We're

32:46

like, oh, but they're sweet. We

32:50

just want to give everyone a chance. And we're like, oh,

32:52

it's like a drive and a drive. So it works for

32:54

us. I love it. And I think that's

32:56

what your listenership too would love. Where do you even

32:58

start with these conversations? Because how many people are going

33:00

to go on a date and be like, what's your

33:02

net worth? Like, let's be real. Totally. So

33:05

I think you got to start to have fun with money.

33:07

So I think of fun conversation. You could do this on

33:09

a first date. But it'd be like, all right, Bree, you

33:11

win a million bucks today. Every single

33:13

dollar, you've got to spend every dollar. What are you doing

33:15

with that million bucks? What are you spending it on? Well,

33:18

first, I would buy my... I'd

33:20

pay off my dad and my mom's

33:22

mortgage. I'd give

33:24

a little bit to Greenpeace

33:26

and to this farm

33:28

sanctuary I really like. And

33:31

then the rest for me, I would actually... I'd

33:33

pay off... I'd say I don't have debt. I

33:35

was always scared of debt. So I was someone

33:37

who... If I had the cash, I'd pay. But

33:41

I would invest my money for sure. See

33:44

just in that fun question, I just learned about

33:46

a non-for-profit you like. I learned about your relationship

33:48

with your parents. I learned that they have debt.

33:50

And it's important for you to possibly have the

33:52

ability to take care of that at some point.

33:55

And that you would invest your money. Like with

33:57

one question in two seconds in a very... you

34:00

know, a disarming way, I just learned so

34:02

much about what money means to you. So

34:04

I think you can start having like those

34:06

fun conversations. So let's try one with you.

34:08

So what's one thing, unless like you go

34:10

broke tomorrow, you know it, you look in

34:12

the mirror like shit, I spend too much

34:14

money on that. I don't care though. I'm

34:16

going to keep spending on that. What is

34:18

it? Well, in the past,

34:20

it would have been Opus one. I

34:26

mean, if it was like a year ago, it

34:28

would be when I remodeled

34:30

my home, it turned into a rebuild,

34:33

but I wanted everything premium. But

34:35

I looked in the mirror and I was like, I know I'm gonna make

34:37

it some way. So hell yeah. I

34:40

called a manifesting. Well,

34:43

that's even part of talking about is like,

34:45

I now know your expectation of where premiums

34:47

important. Obviously your home is extremely

34:49

important to you. And then you just even talking

34:51

those things out loud, you took the words right

34:53

from what I was going to say. Now you're

34:55

manifesting the idea that like, you're gonna do whatever

34:58

it takes to make it and if I'm your

35:00

partner, I would say, okay, I know that's really

35:02

important to her. What can I do to help

35:04

contribute to that? Or I hear the Opus one.

35:06

All right. I can know that Nikki maybe

35:08

wants to spend more on experiences than a

35:11

bag. I don't know. Right? So

35:14

like, one hour of wine time might be

35:16

more important to you than going on a

35:18

$10,000 trip because the

35:20

conversation and so I think you can have

35:22

fun with these conversations that like anyone, even

35:24

if you literally can't spell finance, you could

35:26

start having with the people you care. I

35:29

feel like you need to do a husband

35:31

seminar because you

35:33

know, they need to pick up on that, right? Like,

35:36

oh, maybe she wants more experiences and

35:38

purses or whatever it may be. But

35:40

I also think that's so awesome because

35:42

one, first dates are so scary and you have

35:44

no idea what to talk about, but it

35:46

would be good to have in your phone, like

35:48

a list of those style questions because they're fun.

35:51

They are. And you do learn

35:53

so much about someone. Yeah,

35:56

I have in my first, in the first chapter,

35:58

there's 10 of them. And those were

36:00

two of them. Oh, nice. There's eight more. So if

36:02

you're going on a date and you want to know

36:04

some of these questions, you can check out the book

36:06

and there's a few more. Oh my gosh. I can't

36:09

wait to dive into it. I'm really excited. Yeah.

36:12

That's, it was, you know what really got me,

36:14

it was your reel when

36:16

you talked about like when you heal and where

36:18

you go. And I watched

36:20

it and it gave me chills and I told Brea, we need to

36:23

get him on the podcast ASAP. Like

36:25

watch this reel. And it was so good, but

36:27

it hit home. Like how did it

36:29

home for me? Cause it made, it like impacted me. And

36:32

I literally told her, and we're going to get the

36:34

book and we're going to read it and all the

36:36

things. And it was good, but that reel was so

36:39

awesome. So powerful. You have

36:41

really, you have a great social

36:43

media. Your Instagram is very informative,

36:46

but fun. Yeah. And it

36:49

kind of, you know, it made me, I was thinking about this the other day. I

36:52

don't know why I was watching something or hearing thing, but

36:55

this is a little personal, but I

36:57

think it's fun is would you ever do

36:59

dancing with the stars? Because I feel like you

37:01

have a great story. And

37:03

you know, I feel like last season we

37:05

heard Ariana's story and it was kind of

37:07

fun to hear the female, but I feel

37:10

like a male breakup story has never been

37:12

heard before, especially on a big platform like

37:14

Dancing with Stars. And I feel like with

37:16

your personality and how you are, because you

37:19

have grace and he comes like with the

37:21

soft perspective in a way, you know, I feel like you

37:23

would be great. And I see you. Do you ever do

37:25

it? Well, I don't know if you saw my last, I

37:27

don't know if you saw my last video on my Instagram,

37:29

but back in the day I did a talent show and

37:31

I was NSYNC. I

37:34

was doing the worm. I was doing shot

37:36

jobs. Just say. Yeah, but I will say

37:38

I need to give you that. That's what I did

37:40

on the worm. Okay.

37:43

Yeah, you can do the worm. I'm like the queen of the worm. Well,

37:46

what's the tip I need to know? I mean,

37:48

you need now. Okay. Well, I guess I don't have

37:50

a penis, so maybe it's different, but I was going

37:52

to tell you to pop. You got

37:54

to pop the hips up higher to get the role. Ooh, I

37:57

got to do the pop. So here's the

37:59

problem. Halfway through that. pop. I couldn't breathe

38:01

after. It's a penis and

38:03

bone. Yeah, I didn't think about that. You

38:06

gotta wear like that. You gotta wear

38:08

like tighty whities or something. I didn't

38:11

do that. When I remember my first

38:13

time doing it after I had gotten my fake breasts,

38:15

and I remember when I went to do it, and

38:17

then the impact, and I was like, oh,

38:19

well, the worm just made me feel like that's

38:22

different. Not in

38:24

wrestling, but in the worm is the

38:26

one I knew. Like, ow. Okay, that hurt.

38:29

Well, you know, Jason, it would be fun to see you on

38:31

the dance floor one day. I

38:33

think you would do incredible. I see. I

38:36

appreciate all those words and the endorsement for

38:38

all this stuff. It's been

38:40

a wild ride, and even some of those videos or

38:42

whatever on social, I've just

38:44

learned a lot. I've learned a

38:46

lot through, and I'm sure you

38:48

guys through your trials and tribulations,

38:50

you either step in, right? You

38:52

get vulnerable, and you open up,

38:54

and that creates connection and also

38:56

expedites healing. In most

38:59

circumstances, it's not what I would do, but in this

39:01

time I did, and I've grown so

39:03

much as a person, and

39:05

I've truly never felt better. I've never

39:08

felt better. And when you start growing,

39:10

you start feeling better about yourself, everything

39:13

comes to light. It's crazy. It's true.

39:16

The biggest deal I ever got in my life just

39:18

came to fruition a couple months ago. All

39:20

these things are just coming as

39:23

a result of really staying focused

39:25

and growing. You guys

39:27

remember Rob Dyrdek? Yeah.

39:29

We love him. I

39:32

don't know if you guys had it on your

39:34

podcast. No, but we should. I didn't even think

39:36

about it. Have him immediately. But he has this

39:38

thing that he had all these consultants come in

39:41

and tear up his business and drive efficiencies.

39:43

He's like, well, can you do that with my life?

39:45

And the consultants, you know, they could talk to people.

39:48

No human has ever asked of that. And

39:50

he's like, well, can you do it? And

39:52

they're like, yeah. He starts tracking numbers daily.

39:54

And some of the things he starts tracking

39:56

is like happiness, his connection with

39:58

his wife, how many drinks he had. Did he

40:00

work out and every day his wife would give

40:02

him a number one through ten and it would

40:04

be to the tenth Test so it'd be like

40:07

a six point two seven point one how connected

40:09

she felt with him Wow, and he did this

40:11

for like years and then he got enough information

40:13

to realize He was at his

40:15

happiest point in life when he

40:17

was most connected to his wife. He

40:19

wasn't drinking He was working out and

40:21

wasn't traveling or filming So he changed

40:23

his year in his filming schedule. So

40:25

only four percent of the year he

40:27

films And I was kind of

40:30

inspired by that. So this year every day a few

40:32

of those numbers I put down and I track them

40:34

In my happiness and all that how connected myself in

40:37

this year like mine It's like I think today's the

40:39

86th day of the year and my happiness levels are

40:41

like 8.6 out of

40:43

10 and they've never been even close to this So I'm

40:45

telling you when you put the work in like it all

40:47

becomes a reality I agree with you.

40:49

So I want to start over the numbers by

40:51

rain So once I bring I always say that

40:54

when you put the work in and over

40:56

time and you got to stick with it It is

40:59

crazy. It just shines you can't even

41:01

help help it but the happiness

41:03

just shines through it just goes it does

41:06

It's shot and it you know this too and

41:08

especially in public breakups There's

41:11

there's so many things that could set you back

41:13

Yeah Or like, you

41:15

know get you got like get involved in things

41:17

You don't need to get involved in a comment

41:19

on things in response And I think what I've

41:21

noticed is the more work I continue to put

41:23

in myself The more noise

41:25

I hear the more I just smile and

41:27

look forward with clarity Yeah, right and it's

41:30

easier said than done Trust me. Well, like

41:32

I've also noticed that too for anyone that

41:34

might be going through a breakup and like

41:37

Struggling with some of those those yeah,

41:39

it's true because I remember

41:41

being at that point and I would

41:44

either comment on something because I was nervous and

41:46

in the moment and then I Regretted it and

41:48

I got down on myself and I just went

41:51

steps or miles back and I

41:53

was like just be strong enough And say no

41:55

comment like you don't have to speak about it.

41:57

You don't have to make a comment and then

41:59

be uncomfortable and try to make it

42:01

funny because you're uncomfortable, but now that's like

42:03

rude and I remember

42:05

those moments and I would get so down

42:07

on myself and I feel like my healing

42:10

process was a lot longer than what it

42:12

should have been because of those moments. But

42:15

then like you said when you hit that point

42:17

where you can just smile because you have such

42:19

clarity is the best feeling in the world. It's

42:21

so true. 100%. I'm a creature of over explaining

42:23

and through work I've learned. I've talked to an

42:25

FBI negotiator

42:32

in pocket. The more you explain, the more you're

42:34

losing. The more you're trying to convince, the more

42:36

you're behind. And the end of the day, like

42:38

something that I always try to tell myself is

42:41

adults inform children explain.

42:44

And so I think that was like

42:46

something that's interesting. That really is.

42:50

One in eight. That's how many people

42:52

have worked at a McDonald's who serve

42:55

millions the best Big Mac and best

42:57

birthday party they've ever had. I haven't

43:00

just seen kids graduate from a Happy

43:02

Meal, but I've gotten help graduating

43:04

them say because they

43:07

know the skills learned here. Welcome

43:10

to English under the arches. Can help you grow

43:12

from here or keep growing here. One

43:16

in eight stars at McDonald's. When you

43:18

start stays with you. Warning

43:23

things are about to get

43:25

intense. I mean, Breen and

43:27

I are talking like that intense moment when

43:30

the room stops. Maybe

43:32

time stops when everything

43:34

might be going around you, but you're looking at

43:36

that one person said in

43:38

the eye or a

43:41

maple donut. And in our

43:43

eyes, usually I'm giving that stare

43:45

down when I want to ask my husband for

43:47

his credit card so I can go

43:49

shopping. That is the intense

43:51

that I like intense heat. Lasting

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44:20

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10PLUMP for a limited time. One

44:38

thing that always hit me hard once I started to do

44:40

the work on myself and I got a life

44:42

coach was that I'm just doing

44:44

the best I can. It was like to me when

44:46

anyone would ever say that I kind of never even

44:49

acknowledged that. I never even thought about it. It just

44:51

seemed like something you say. But now

44:53

it's like no I'm really just doing the best I can

44:55

and that's okay. And I finally

44:57

let myself really live in that and be

44:59

okay with that. I don't always have to

45:01

be perfect because I think I just tell

45:03

myself in such a high place and then

45:05

if I didn't meet those expectations I'd be

45:07

so down. And down

45:09

as a wife, a mother, the list goes

45:12

on as a podcast or whatever

45:14

it may be. So it's

45:16

just like the consistency of working on yourself

45:18

is so key. Well and I think what's

45:20

hard especially situations like Jason's

45:22

been in and myself is you

45:25

become when we're in these

45:27

public relationships we become people's

45:30

either couple goals or aspirations

45:32

and when that breaks it really breaks people

45:35

and they become so angry at you or

45:37

they put that pressure view of like you

45:39

were supposed to be the forever of what

45:41

I wanted and you're not. And

45:44

it's crazy. I remember that effect was almost

45:46

the hardest on me because I felt

45:49

like I let down everyone like

45:51

the world. And then I had that

45:54

on me and I like was carrying it. I'm

45:56

like why am I carrying everyone's sorrow when I'm

45:58

in pain? Like what am I? doing

46:01

and they took, thank God I got

46:03

an incredible life coach and she came

46:05

to me and like we, it, how

46:07

she helped me, like I needed someone

46:10

but it's hard in that way,

46:12

you know? I don't know if you felt that which

46:14

I'm sure I see things so I'm sure, you know.

46:18

Yeah, a hundred percent, like you definitely feel

46:20

that for sure and I think you put,

46:22

and if you also battle with this,

46:25

it's such a struggle to say like

46:27

I put so much of that period

46:29

of my life on display but

46:31

now that I'm in this new chapter and

46:33

I'm not really stepping into it or dressed it

46:36

or have I dressed it, they're people, did

46:38

they get what they want? That's something you struggle

46:40

with too. You're like do you owe it

46:42

or do you not owe it? Like go into

46:44

these explanations of these things and so that

46:46

becomes a battle with this whole crazy

46:49

world that we're living in is

46:51

like what is the right thing?

46:54

Should you say something, should you

46:56

not? Do you just swallow your

46:58

pride and move forward? But I think the best

47:00

thing with all of it is you just have

47:02

to like, I worry so much about other people's

47:05

experiences like you did, like I worry so much

47:07

about the people that were following along and all

47:09

that stuff but at the end of the day,

47:11

like all you could do is take care of

47:13

yourself and your experience and look through your lens

47:15

and you don't owe anything to anybody and if

47:18

you feel like you have to like protest for

47:20

yourself, defend and protest but you know, do what

47:22

you got to do, how you got to do

47:24

it but it's a delicate balancing act. Let me

47:26

ask you, I want to ask you this though,

47:28

you guys both said you have life coaches. I've

47:30

actually never talked to anyone that like truly has life

47:33

coaches. What do you say like number one takeaway?

47:35

Like what's the best thing your life coach gave?

47:37

For me, it's definitely balanced my life

47:39

between having a career and being

47:41

a mom and wanting to be

47:44

a very, you know, hands-on mom

47:46

and you know, I love being a mother and

47:48

I want to be with my kids every day

47:50

but then there's this part of me that just

47:52

loves my career so she's

47:54

helped me balance all of it.

47:56

Yeah and for me it was

47:58

perspective like online. life, career,

48:01

and like helping me find

48:03

my voice in ways and

48:05

purpose. And purpose. It

48:08

was like I knew what

48:10

was going on in here, but at

48:12

times it was like, and I think

48:14

especially being in the spotlight and being

48:16

on reality TV and in the WWE

48:18

ring, I would stay in that

48:20

superhero character and be that

48:23

hero for everyone and in my relationship.

48:25

And I started to shut myself out.

48:27

Like it didn't matter what Nicole

48:30

thought, let Nikki just please

48:32

everyone else. And she

48:34

just started to bring who I was

48:36

out of me and be like, what do you

48:38

want out of life? Like, who

48:41

are you? Like what are, what really

48:43

makes you happy? And

48:45

also just showed me things like even

48:47

though you love someone or

48:49

something like a career so much, it

48:51

doesn't mean that it's right for your

48:54

whole life and that's okay. It's

48:56

okay to have these chapters in life,

48:58

whether it's you're this person's fiance or

49:00

you're this person in the ring or

49:02

you're, have this relationship with your parents.

49:04

It can be chapters and seasons. It

49:06

doesn't have to be forever. And she

49:08

really helped me with that and

49:11

realized that like we're meant to evolve.

49:13

And sometimes that's with a

49:15

career or with that person or without

49:17

that career, that person. And that's okay.

49:20

And to honor that and know that like,

49:22

doesn't mean they're not amazing. Doesn't mean that's

49:24

not amazing. It's just now not who I

49:26

am in this group. Yeah, that's

49:29

so good. I mean, it's

49:31

incredible, especially like in an industry like this

49:33

or even in the money talk, I think

49:35

overachievers keep chasing and chasing and chasing. And

49:37

the big question is like, when is enough?

49:39

Am I enough? Because you always keep chasing

49:42

what was, but in this space you will

49:44

end up killing yourself because it's so hard

49:46

to keep up with everything else or what

49:48

yesterday was or your pinnacle. And I feel

49:50

like that's where everyone gets so lost because

49:52

they don't have that within. But

49:55

I also think a lot of this connects honestly to money.

49:57

I think behaviorals like you think about

49:59

like where. people, if you look at

50:01

like where you overspend or what you're

50:03

spending on, you could actually do a

50:05

lot of interesting self-awareness. Like, did

50:07

I buy that for someone else or did

50:10

I buy that because I thought someone would

50:12

think it's cool? Or do I actually have

50:14

maybe a confidence or insecurity in these certain

50:16

groups or places so I'm actually spending? So

50:18

it's crazy that just like doing therapy and

50:21

life coaching like that in yourself also connects

50:23

to like the success in your wallet as

50:25

well. It's wild. I think the

50:27

greatest thing about them is you get to talk

50:29

about that. Like, hey, I've become like financially tight

50:31

and they break it down just like that. Like

50:34

well, why are you spending things here and why

50:36

are you doing this? Like is

50:38

this deeper? And then it gets deep because then

50:40

you're like, wait, maybe it's something from my childhood.

50:42

I don't know. Think of how

50:44

she kind of figured out with you and I

50:46

why we always say yes to opportunity because we

50:48

went back to those little girls who never thought

50:50

opportunity was possible. So

50:52

then as we became adults and there was

50:55

so much opportunity, her and I just said

50:57

yes to everything and we're exhausted beyond because

50:59

we just thought opportunity would never come again

51:01

and she's like opportunity will always be

51:03

there. Stop being that little girl who believed

51:05

it never would come. So they do.

51:08

They help you get through all that. Yeah. And

51:10

Bree and I always struggled and I know don't know if you do but

51:12

like we never took time to

51:14

like honor our achievements like to really

51:16

like sit and go, I just

51:19

closed that deal. That's incredible. Or

51:21

I just made this right. Whatever it was. It

51:23

was just in what's the next thing. And

51:26

she really like calm this down. I

51:28

was like, look, what you just did

51:30

was incredible. Go celebrate. Like we don't

51:32

need to know what's next yet. Let's

51:35

just honor what you just did. And

51:37

that's helped a lot. Have

51:39

you guys taken the Enneagram test or no?

51:41

No, no. What is that?

51:43

Okay. So in Enneagram, it's like

51:46

you figure out essentially it classifies what your

51:48

personality is and then based on that personality

51:50

type, there's certain things you could kind of

51:52

learn about yourself. Oh gosh.

51:54

I'm crazy to put you guys in this

51:56

category, but I think you guys are probably

51:58

a three, which is the achiever and the

52:01

achiever. does that their security like their safety

52:03

in life is achieving so the more you

52:05

achieve the more you make the bigger title

52:08

match it got whatever it is the next

52:10

show that creates the safety and security so

52:12

people that are achievers tend to like completely

52:14

kill it and make a ton and do

52:17

have huge professional accomplishments but their biggest issue

52:19

in life is saying am I

52:21

enough when is enough right because it's the constant next

52:23

thing I'm the same exact way if you get one

52:25

thing how do you do the next how do you

52:27

do the next how do you be better and it

52:30

is so draining if you don't take

52:32

a step right and just like be

52:34

aware of it you'll lose yourself in

52:37

the madness and I still that's something every

52:39

day I still struggle but it's it's just

52:41

part of it just is what it is

52:43

but it's so true I

52:45

feel that like I'm always like and

52:48

I not that Instagram does this but you know at

52:50

the end of the year we all say like what

52:52

an incredible 2023 my goodness and

52:55

yeah it really makes me like okay so what

52:57

did I accomplish and what will I accomplish in

52:59

2024 it's like I always feel like I have

53:01

to achieve and if I don't have enough

53:03

accomplishments was the year worth it did I do

53:06

enough do I need to do more finally

53:08

I've chilled out on that like being a

53:10

mom it's made me feel more accomplished but

53:12

even the beginning years and I'll still do that

53:14

I'll be like okay how well did the shows

53:16

do how many shows did I film this year

53:18

what did what did I get on you know

53:21

like I still do that in my head well

53:23

and you know I really in the last year

53:25

was like if social media didn't exist because I

53:27

was in a thriving career when there was

53:29

no social media what

53:32

would I feel like hi welcome to

53:34

Hooters well no not even beginning I

53:36

was like would I feel accomplished

53:42

I think sometimes social media holds all

53:44

of us to these standards of having to

53:47

always tell people we're doing something but you know it's

53:49

the luxury to me is doing absolutely nothing I've

53:52

worked my ass off so much my life

53:54

that I'm actually at a place I can

53:56

just garden two days in a row with

53:58

doing absolutely nothing and to me that

54:00

success and I really had to

54:02

tell myself that because I felt like I constantly

54:04

had to show everyone on social media I was

54:07

doing something and to show

54:09

them that like you know I didn't give up

54:11

on life I'm successful but I

54:13

feel like I was

54:15

able to kind of change my whole perspective

54:17

on that. And it's

54:20

so hard to do that but even like in

54:22

this like 86 days of that Rob Dyrdek model

54:24

I'm doing in the little I know so far

54:26

I know that like when my work productivity is

54:28

like a 10 that day my happiness levels and

54:30

my connection to myself are like way down. So

54:32

weirdly enough as someone who like constantly wants to

54:34

go I'm like okay we did the book we

54:36

gotta do the next book what's the next I

54:39

noticed that all my happiness levels are

54:42

actually happier when my work productivity is

54:44

down. But it's hard because we find

54:46

happiness and security through achievement and so

54:48

recognizing that I think is it at

54:51

least a start yeah start something.

54:53

Totally I'm gonna start doing that. I'm gonna

54:55

start doing that because I already kind of feel

54:57

like I know certain like happy days like I love

55:00

dropping off and picking Mateo up from school that

55:02

is like I am on a

55:04

10 like I love the look of

55:07

his face when he sees me like

55:09

all the things and I love the

55:11

in between time when he's at school

55:13

being at the workout club we go

55:15

to like it's within the wilderness and

55:18

it's a lot of luxury but we've earned

55:20

that luxury and I love it

55:22

like I and I go get my drink and

55:24

my favorite coffee spot and I just know that

55:26

when my day there's no meetings

55:29

between 8 a.m. to noon

55:31

I'm like ultimate happy high because I'm

55:33

just doing Mateo and right but why

55:35

it's important Jason to read your book

55:37

is to get yourself to that place

55:39

because I'm sure if a lot of

55:41

people track their happiness it's not working

55:44

right it's the thing but we obviously

55:46

to do those things have to make

55:48

money and it's hard because I was

55:50

a spender like massive spender to be I

55:52

used to have to really I had

55:54

to get on that's why I knew you give

55:56

me one say more like where you get I

55:58

would buy other than the Opus Everyone dinners.

56:01

I was always out. I'm a social butterfly.

56:04

But I wanted everyone to enjoy what I

56:06

was enjoying. My mom used to get so

56:08

upset at me. But I go, well, mom,

56:10

they're probably struggling more than me. And I

56:12

know at least I'll work harder. But

56:14

I would pay for lots of people all the time.

56:17

What do you think that was, though? Did that

56:19

fill you up? Was that a confidence thing? Did

56:21

it make you feel actually better in life? Why

56:23

do you think you actually did? I feel

56:25

like because I knew I

56:27

was making more money than they were,

56:29

and maybe not even by a lot.

56:33

But I knew moments of being stressed. And

56:35

I had such empathy for the people

56:37

around me that I loved, that I never wanted them

56:39

to feel that, that it was OK if I felt

56:41

that. And I had to go pick

56:43

up another shift. Or I had to

56:45

just make sure I got on the

56:47

wrestling pay-per-view. I would rather feel that

56:50

weight than the people I loved to feel

56:52

that weight. And I loved

56:54

having fun. So I was

56:56

also like, then I'll know they'll go to the

56:58

nicer restaurants with me. I

57:00

don't always want to go get the $2 you call it.

57:03

I want to go to Eddie V. I

57:06

want that steak, not the chicken. Yeah, exactly.

57:08

I want us all to have fucking

57:10

fillets. So let's go get them. And

57:12

I was so different. I was Dutch

57:14

about everything. I'm like, everyone's paying happy.

57:17

Everyone's pulling out the calculator.

57:21

I love it. Well, what you just did,

57:23

Nikki, is it's called behavioral-based budgeting. So it's

57:25

the idea of looking at your behaviors and

57:27

then budgeting based around that. So you identified

57:29

at that time when you would go out

57:31

to restaurants with a bunch of people, that

57:34

was your trigger. You would pick up

57:36

the app. So it's identifying the behavior

57:38

to then proactively avoid the behavior moving

57:41

forward. So if it's a Friday night,

57:43

you know last Friday night it was

57:45

$2,000 when you bought everyone. You're like, all right,

57:47

this Friday night I'm actually going to sit out because

57:49

I know if I go, I'm going to buy everyone.

57:51

So one tip that whether it's a big dinner or

57:54

it's literally just a small purchase, the thing you could

57:56

do is go take out just two credit card statements

57:58

or just go on your look at

58:00

it, don't add up numbers, divide,

58:03

nothing. Just look at your big

58:05

purchases, the big ones and say

58:07

to yourself, behaviorally, why did

58:09

I do it? Was it someone's link? Was

58:11

it the email? Was it a sale? Was

58:13

it because I wanted to feel cool? Was

58:15

it because I'm a people pleaser? What was

58:17

it? And then you actually budget off that

58:19

behavior to try and prevent that or limit

58:22

it moving forward. So that's like a fun

58:24

easy because I hear budgeting and it's like

58:26

cringe, but this is like a fun way

58:28

to actually change your future. I didn't,

58:30

you know, I, cause I,

58:32

this morning I didn't have buyers remorse and

58:34

it wasn't a lot of money. Well, there

58:37

was like a huge sell on the real

58:39

real and there's the Chanel shoes that I

58:41

couldn't believe the cost. Oh, how much? They

58:43

were only like two something for gorgeous. Oh,

58:46

that's not bad. And then Christian Dior, a

58:48

visor more, which was to do something, but

58:50

I couldn't believe it. I wanted this one

58:52

years ago and I was like, I'm not

58:55

going to do something. But then

58:57

I think it was down a little bit.

59:00

It was to something. And then there

59:02

was these product

59:04

that was one something. I don't

59:06

think I spent more than 500, maybe

59:09

600. I can't remember. Okay. That's not

59:11

too bad. That's not bad. And it's

59:13

all used up. So you're also doing favor.

59:15

But it's crazy because I've really been

59:17

on the past few years,

59:19

but especially this past year, like

59:22

I've done great in investing and investing in

59:24

all different areas, real estate,

59:27

medical, just got into

59:29

sunscreen, just different in different companies. And then

59:31

I have stuff in stocks. And

59:34

so, and then I also have accounts for a

59:36

one K Mateo set up. And

59:38

so I do really well. And then,

59:40

you know, my business managers have taught me a lot

59:42

over the past few years. I mean, the tax

59:45

guy started in the 20s, so he knows how I could spend. And finally

59:48

he stepped in and he goes, look, I haven't been able to talk to

59:50

you about this in a long time, but please let

59:52

me come in and manage your money. Like I see

59:54

what you do. And like, this is ridiculous. So he's

59:56

helped me a lot, but it was crazy.

59:58

How though I kind of felt fire. even though I

1:00:00

know I'm going to turn around and just resell them on the real real,

1:00:02

I'm going to be like, I've done

1:00:05

really well on this. I used to have a shopping

1:00:07

addiction and I've realized stuff

1:00:10

that you wear once, sell it and

1:00:12

then go buy yourself something else and then go

1:00:14

sell it. See now you're talking. Now you're talking.

1:00:17

Okay. You just, you touched on so many things

1:00:19

I got to step into one. You said tax

1:00:21

guy. I think most people look immediately into investing.

1:00:23

Everyone should take a break first, find a really

1:00:26

good tax guy or a bookkeeper because a bookkeeper

1:00:28

can watch your expenses and then inform you. To

1:00:30

me, that's even more valuable than a really good

1:00:32

investment person. That's step one. I think step two

1:00:35

is when you have a tax guy and they

1:00:37

know that you're buying shoes like that, they actually

1:00:39

could probably write that off. So that's probably an

1:00:41

expense for you if you have a good tax

1:00:44

person because of your brand and what you do

1:00:46

and how you do it. That's big.

1:00:48

The last thing I want to say is with finance,

1:00:50

like when we all have, if you have like a

1:00:52

terrible toothache tomorrow, no matter what you're doing, even if

1:00:54

you're going to pick up Mateo, you have to drop

1:00:57

it all and you got to go to the dentist

1:00:59

and get your tooth drill. Or if you're, you're cooking

1:01:01

tonight and you cut your finger and there's a huge

1:01:03

gash, everything stops because you're

1:01:05

bleeding. You need to go get

1:01:08

stitches. The thing about finance is

1:01:10

that the system is set up

1:01:12

to never create the instant gash,

1:01:14

to never create the tooth pain

1:01:16

that forces you to drop everything

1:01:18

and go because the profitability to

1:01:20

the large corporations is so massive

1:01:22

that if they created that toothache,

1:01:24

if they created that gash, it

1:01:26

would significantly impact them. So it is such

1:01:29

a slow, slow burn and to identify it

1:01:31

as conversations like this, like, yeah, I did

1:01:33

get it for 300 and 200, but I

1:01:35

sold it. So

1:01:37

if you're starting to feel any sort of pain

1:01:39

in this space, that's when you have to act

1:01:42

like it's the toothache or the gash because the

1:01:44

system is set up for us to like kind

1:01:46

of burn slowly by not stepping into

1:01:48

it. Wow.

1:01:50

I mean, you know, that's a good

1:01:52

way to put it. Man,

1:01:55

I wish I knew all this stuff like

1:01:57

years ago. I'd have so much more money.

1:01:59

and not years ago, like many, many

1:02:02

years ago. And like starting in my 20s.

1:02:04

So what's nice is you can start at

1:02:06

any age. Well, no, that's what I finally

1:02:08

did thanks to my business managers. I like

1:02:10

woke up and I'm like, well, thank goodness,

1:02:12

there's still time to invest and be okay.

1:02:14

And I look at life so differently and

1:02:16

the pandemic showed me that. Like when

1:02:18

you really look at your closet and you're like, how much

1:02:20

is this worth? And how much do I wear it? This

1:02:22

is crazy. I'd rather have that in

1:02:25

like a bed that I sleep in every night. I

1:02:27

want the top of the line bed because I see

1:02:29

it every night or like that's why I cared a

1:02:31

lot about my kitchen. I'm in my kitchen every day,

1:02:33

a few times a day. So I want to

1:02:36

invest in my kitchen. But when I started

1:02:38

looking at my clothes, I go, I'm over

1:02:40

investing in clothes and purses and all the

1:02:42

things. And one for everyone, Louis Vuitton, you

1:02:44

can't claim on your taxes. I

1:02:46

tried, I was told no. You

1:02:49

can't claim designers, so don't even try. I

1:02:51

was like, but I put them on, like

1:02:53

I put them on a platform. I really

1:02:55

didn't. But you know, I thought by putting

1:02:57

them on my shows and Instagram, it

1:03:00

does not matter. You can't claim on your business. It does

1:03:02

not matter. What age do you want to retire by? Do you

1:03:04

have the dream of like when you want to retire? I

1:03:07

would love to be in all

1:03:10

my dreams and goals where I want to

1:03:12

be financially and where I want, especially

1:03:14

our company, Bonita Bonita to be and that empire,

1:03:16

I would love to know at 50. So

1:03:19

in 10 years that I'm like, if

1:03:22

I don't want to do a damn thing because of what

1:03:24

I've done in my past 30, 40 years, I'm

1:03:28

about 30 years, I'm good. Like

1:03:31

I'll always do something because that's my

1:03:33

personality, but I want to know

1:03:35

at 50 that I'm like continually hustling in 10

1:03:37

years. I want to just know that

1:03:40

I've made it in that way. Okay,

1:03:42

good. So here's a tip that I think people

1:03:44

that are listening to your show can take away

1:03:46

from this regardless of what your spend is. So

1:03:48

if you know the age that you want to

1:03:50

retire, I want you to take whatever your annual

1:03:53

spend is and you multiply it times 25. They

1:03:56

say that is how much you need to

1:03:58

save if you want to. live the

1:04:00

same lifestyle for 30 years. So

1:04:05

if you just a basic example, if you spend

1:04:07

100 grand a year, you need 2.5 million

1:04:09

saved to be

1:04:11

in a position to retire. Now, if you can move

1:04:13

that 100K down to 80K

1:04:15

by managing what you're spending today, now you

1:04:17

only need 2 million to retire, right? And

1:04:20

you think about what's

1:04:22

happening in retirement right now is quite wild. I'll

1:04:24

ask you guys this too. 65

1:04:26

year old who's in good health doesn't

1:04:29

smoke. 65 year old good

1:04:31

health doesn't smoke. Give me a percentage,

1:04:33

so 1 through 100. What do you think the

1:04:35

percentage chance is they live till 90? 65,

1:04:39

good health doesn't smoke. You

1:04:44

guys are good. Oh

1:04:47

my God. See,

1:04:50

to me, that's amazing. So we are living

1:04:52

longer. When we live longer, we have to

1:04:54

plan more. And what are we busting our

1:04:56

ass for? What are we going to these

1:04:58

places saying, I'm not enough. I need to

1:05:00

be, we're doing it so that we can

1:05:03

enjoy our life and not have to do

1:05:05

it. And we could live off the money

1:05:07

that we've made and hopefully pass it down.

1:05:09

And I think one thing that can kind

1:05:11

of wake people up today is to start

1:05:13

thinking about that because ideally you were retired

1:05:15

for 30 years. And

1:05:18

if you think about, think about a vacation you

1:05:20

go on. You know, Artem, what are you wearing?

1:05:22

What are you packing? Mateo, what are the flights?

1:05:24

What are the hotels? Are you going to the

1:05:26

restaurant? Think about everything that goes in to planning

1:05:29

a one week vacation. So much. Oh

1:05:31

my gosh. But for whatever reason,

1:05:33

30 year vacation, which is over 1500

1:05:35

weeks, we today don't put the

1:05:39

time in to start planning. And so that's like

1:05:41

the wake up call I have to people today

1:05:43

is like, you want to live that life, you

1:05:45

want to be set free, start planning today and it

1:05:47

can have a huge impact on it because it's a 1500 plus week. Wow.

1:05:52

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is active. Jason,

1:09:21

this has been such a treat. Oh my oh

1:09:23

my gosh. Well before we get into inspiration

1:09:25

affirmation and we let Jason go, a lot

1:09:28

of fans wrote in because I put him in my

1:09:30

IG stories that we're interviewing him. I

1:09:33

feel bad asking this. Oh gosh. It was the

1:09:35

number one question I got and I'm

1:09:37

not even doing this selfishly for us. You don't even

1:09:39

have to answer it but it was the number one

1:09:41

question that people wrote in. Are you

1:09:43

dating? Okay. Oh, how

1:09:45

would you define dating? I don't even,

1:09:47

you know, that majority people just wrote in. I think

1:09:49

the answer is I'm dating. Jason, if he's dating. So

1:09:51

I don't... You've been on maybe multiple dates with the

1:09:54

same person. Maybe you've taken someone out to dinner. Yeah,

1:09:57

I'm, I'm, I would hear the loud answer. I'm

1:10:00

privately dating. Oh, good for you. I'm dating, but I'm

1:10:02

dating pri... Like I'm like, I'm just kind of like...

1:10:04

In your feet a little bit. Yeah.

1:10:07

And just, you know, given the public

1:10:09

dilemma and some of the challenges I've

1:10:11

dealt with in the past, I'm just

1:10:13

like, you know, I'm going to stay

1:10:15

undercover for a little bit. Good for

1:10:17

you. I like that. We'll see. I

1:10:20

like that. Yeah. I think that's

1:10:22

smart. And do you think that if any of

1:10:24

these dates privately go... get more

1:10:26

serious, do you think you will go public or you

1:10:28

kind of like that it's private? You think just your

1:10:30

next relationship, you'll keep more private? Yeah.

1:10:33

I'm like big. I never go with absolutes. Like

1:10:35

never say like, I will never do this. But I will tell

1:10:37

you this. I... as long

1:10:39

as I can hold

1:10:42

off on taking my

1:10:44

relationship private to public, I will

1:10:46

hold off as long as I can. I'm not going to

1:10:48

say I won't be public in my relationship again. Absolutely

1:10:51

not. But as long as I can keep it private, I

1:10:53

think at least for right now, to me

1:10:55

that I'm just... It's more appealing. I

1:10:58

like that. I do too. Good for

1:11:00

you. So once the second you open things up like that, you

1:11:03

know, it's just like an infiltration of

1:11:05

like toxicity. Yeah, for sure. And so

1:11:07

for me, if everything... if it was

1:11:09

going to get public, I would want

1:11:11

foundation like so tight. Yeah, I

1:11:13

agree with you. Perfect. Right?

1:11:16

So then when the flood comes in, you're so aligned that you're like, fuck

1:11:18

that, fuck that. We're...

1:11:20

No. Hey, we can't... All

1:11:23

right. You're so just locked

1:11:25

in. Yeah. And you guys know that

1:11:27

noise if you're not, you know, so

1:11:29

tight, it will slowly break you. Oh,

1:11:31

well. And then like what's crazy is

1:11:33

you'll first date someone and the next question everyone's asking is,

1:11:35

when are you going to propose? It's like, when

1:11:37

are you going to have kids? When are you going

1:11:39

to... Like, you know, they want you to just go

1:11:41

through relationship life. So quick, you're like, wait a sec.

1:11:44

This usually takes years. Totally. And

1:11:46

if you're not rock solid, and I can

1:11:49

speak from experience, that infiltration, it will start

1:11:51

to impact your relationship. You'll start to question

1:11:53

it. You'll start to say, wait, they're right.

1:11:55

But I think when it is rock solid,

1:11:58

you know that all that noise means... nothing

1:12:00

because you two are alike. Totally.

1:12:03

It's so true. So true. I love

1:12:05

that. For sure. You've given such

1:12:08

great advice. I'm even going to re-listen to

1:12:10

this and take notes. I know. Me

1:12:12

too. And I can't wait to get your book. I

1:12:14

don't even want you to send it to us. I want to go and

1:12:16

buy it to support. But

1:12:19

just super excited for all this. It's

1:12:21

so important and like we mainly have

1:12:23

women that listen to this and women

1:12:26

are just, you

1:12:28

know, over the past decade have really come

1:12:30

into their own and just running companies and

1:12:32

just having incredible careers. And so it was

1:12:34

so important for me and I was telling Bre

1:12:36

to have you come on and speak to our

1:12:39

female listeners because they all have the opportunity to

1:12:41

invest and to grow their own pot.

1:12:43

And I want them to have that and for

1:12:45

their children. And so thank you

1:12:47

for all that. And we always end

1:12:49

our episodes with a little inspiration affirmation.

1:12:51

So is there anything you want to

1:12:53

leave our listeners with? I'll

1:12:56

leave with this. Thank you. I know

1:12:58

money and finance and to anyone that's still listening with

1:13:00

us, it could be a little bit of a boring

1:13:02

topic, but it is so, so important. You guys have

1:13:05

such a massive platform. So to give me the chance

1:13:07

to come on to talk about things that I think

1:13:09

are so truly necessary. I appreciate it.

1:13:11

So thank you for that. The

1:13:13

inspiration aspiration. I'll do a couple that

1:13:15

have been top of mind. One

1:13:18

that connects this conversation. Don't

1:13:20

cater to the hater. Like live your life, do

1:13:22

it your way, right? Live your own blueprint. And

1:13:25

the other thing that I read recently was

1:13:27

about fear and that the idea of like,

1:13:29

think of all the things that our fearful

1:13:31

self is worried about. We're worried about this.

1:13:33

We're worried about that. And when the person

1:13:35

that I listened to talked about this, it

1:13:37

really connected actually take a

1:13:39

step into yourself,

1:13:42

into that fear. Fear

1:13:45

is actually terrified of a

1:13:47

fearless you. So if

1:13:49

you step into that fear, you

1:13:51

can change everything. So what is the

1:13:53

kryptonite of the fearful you? It's

1:13:55

a fearless you and your fearless self

1:13:58

can bury your fearful self. And

1:14:00

that's one that really connected with me for

1:14:02

everyone that has fears that's holding them back

1:14:04

from anything it might be. Wow. Amen. I

1:14:06

mean, 100. It is so true. You

1:14:10

know, it's crazy because

1:14:13

when I was fearless Nikki, the

1:14:15

fans called me that. And in that

1:14:17

era of me is when I

1:14:19

looked at fear in the face and I was like,

1:14:22

bring it on. And I just remember being like, whoa,

1:14:24

who are you? And it is crazy

1:14:26

powerful when you are the fearless

1:14:28

you. Like you're just of

1:14:30

course to be reckoned with. And so I

1:14:32

love that. Gosh, I love that. Jason, thank

1:14:34

you so much. This was so incredible. And

1:14:36

I can't wait for you. Hopefully

1:14:39

you come to Napa and maybe if not, we'll

1:14:41

run into you in New York. You better come

1:14:43

to Napa. Yes. I would love to

1:14:45

if I come. I would let you go. Our

1:14:47

doors are open. We'll have some wine. Yes. We'll

1:14:49

talk all day. Yes. We will. Yeah. It's such

1:14:51

a good time. And for all our listeners, please

1:14:53

go get Jason's Arctic book. Talk money

1:14:55

to me. It's in bookstores now. And

1:14:58

make sure to check out his podcast,

1:15:00

Trading Secrets. Make sure to

1:15:02

follow him at Jason underscore Tortek.

1:15:05

And you will be able to hit it

1:15:07

in our bio. Make sure to look for

1:15:09

videos on the Nicki and Bree Show IG

1:15:11

page, TikTok, Facebook. And the Nicki and Bree

1:15:13

Show is also on SiriusXM, stars 109. All

1:15:16

in. Have a happy week. Never

1:15:20

end now. Radio

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