May 28, 2025 • 20 mins
Vont's here today! We talk more budget tips, vacation, pretty privilege, and being invited to weddings!
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Episode Transcript
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Speaker 1 (00:00):
It's the Minnesota Goodbye. We have a special guest today, Bash.
Speaker 2 (00:04):
Who is he?
Speaker 1 (00:06):
No? I was training Baily. Hello, Yeah, just gating Bons
here today.
Speaker 3 (00:13):
Hey, he for joining US Academy. All right, that's enough.
Speaker 1 (00:20):
Get you get to speak for one minute out this
entire podcast. So choose wisely. No, just kidding, just kidding. Okay,
here we go. Let's come right into the emails. This
person says, I'm writing in hopes of getting your perspective
on a wedding invite situation. So follow along closely because
it's kind of detailed. My cousin's daughter is getting married soon.
(00:42):
Most of my immediate family recently received formal invitations in
the mail, including my parents and brother's family, but I
haven't received one myself. What's puzzling is that I was
invited in the couple's Facebook Save the Date event last year,
and I know they have my address because my girlfriend
and I have sent them Christmas cards the past couple
of years. We're not extremely close, but we did all
(01:03):
go to the same small town high school and see
each other at major holiday gatherings and family birthdays. I
also serve on a nonprofit board with the bride's mother,
so we have a friendly connection over the years. I'm
not usually one to stress over wedding invites, but this
situation has me second guessing, especially since the Facebook invite.
(01:23):
I don't want to assume I'm invited and show up unannounced,
but I also don't want to make anyone feel awkward
if it was an oversight, or if they had to
make tough guest list decisions, maybe it was lost in
the mail. Would it be appropriate to reach out to
the bride directly to ask or would it be better
to speak with her mother? Or should I just let
it go and assume the lack of an invitation was intentional?
(01:45):
Thank you dart Lick dirt, Like, like, I don't know if
they want me to say their name, so I'm going
to leave them anonymous. So what would you guys do?
Would you confront the situation because they were invited to
the Facebook group and everyone else in their immediate family
has gotten their invite or are you just going to
like let it roll and see if maybe the invite
comes in eventually or you're just not invited.
Speaker 4 (02:05):
I liked what they said about asking their mother because
then I mean, then you can get the answer without
like stressing out the bride. Also, if you are not invited,
then you don't have to create an awkward conversation with
you and the bride, because that would be so awkward.
So if you think her mother would know the answer,
(02:27):
if not, I don't know if you're like close with
the mother, but it'd be cool if like, if you
weren't invited, then the mom can be like, so is
so and so coming to your wedding and maybe she
can like drop the hint and then see what the
bride says.
Speaker 3 (02:41):
Yeah, yeah, I would ask the mother for sure.
Speaker 2 (02:44):
Yeah, but I feel like the bride and groom, like
the people like hosting the wedding, you have to be
prepared to have that awkward conversation if you're going to
quote unquote accidentally throw me in the Facebook chat like
now I'm confused. So now if I'm confused and I
come to you, you have to be prepared to just
man up and be like, yeah you are You aren't invited?
Speaker 4 (03:02):
Well, they probably don't if they if they did intend
to invite you and then they didn't realize that you
didn't get the invitation, then it would be confusing for them,
Like what do you mean are you invited?
Speaker 2 (03:12):
Yeah, But then and then it's just like, oh my bad.
But then if it's like, oh yeah, we didn't mean
to put you in that Facebook group chat, it is awkward.
Speaker 1 (03:18):
But I mean, well, you have to think about it
that the Facebook group chat or the group whatever started
a year ago, and a lot of times throughout the
year of wedding planning you do realize like, I've got
to cut some guests, so right, So yeah, I would
say what Bailey said is go to the bride's mother.
If you have a relationship with that person, you serve
on the board together, so it seems like the easy
go too, and then yes, you can refrain from stressing
(03:42):
out the bride and groom and potentially making them.
Speaker 4 (03:44):
Feel Yeah, exactly, So I especially if you're not invited anymore,
I would say definitely ask But yeah, I would say
ask the mother. So and if you are uninvited and
all of your family is invited, there's the police. No
I'm going to say, like could you be their plus one?
Because I have been invited to like my cousin's weddings
(04:05):
on my dad's side, and my parents are divorced, but
I'll bring my mom as a plus one because I'll
be like, Okay, I could either bring someone who will
know zero people at this wedding, or I can bring
my mom, who's going to know everyone at this wedding,
but they just wouldn't invite her because my parents are divorced.
Speaker 3 (04:20):
Yeah, so that's a good option.
Speaker 1 (04:21):
I don't know if they'd want to do that because
they have a partner themselves. So I feel like they
probably would want to go to the wedding and be
able to bring their.
Speaker 3 (04:27):
Partner, but maybe not. Okay.
Speaker 1 (04:30):
The next email we had had an email sent in
yesterday asking us our favorite budget tips, and so here's
some tips from someone and how they love to save
every little penny. They said, shop at ald whenever you can.
For those high price items. You can find name brand
things like Rao Pasta, I don't know how to pronounce it,
(04:50):
Rouse Rouse Pasta, Pasa, General Mills, Cereal and such for cheaper,
but the big hitters are produced Daarien meats.
Speaker 3 (04:57):
You save a ton when you get those. Is that
all deep? Next one when a road trip.
Speaker 1 (05:03):
When on a road trip and needing gas, Jenny, this
is a good tip for you, they say. Google maps
will tell you what gas price is per gallon at
different gas stations. When you search your route for gas stations.
This also tells you how out of the way the
gas station is when you need to stop.
Speaker 3 (05:17):
That's good to know.
Speaker 1 (05:19):
Keep your money in a high yield savings and checking account.
Many banks and credit unions to offer some type of
high yield savings account and possibly checking account. I like
American Express and I have a three point eight percent
interest savings and one percent interest checking account with them.
Don't let your money sit and do nothing. Investing in
mutual funds and long term savings is great, but sometimes difficult,
(05:40):
So why not just keep all of your money in
an account that will essentially pay you to do it.
My amex account has no fees and no minimum balances,
so make sure whenever you wherever you choose to put
your money it doesn't have fees either. I do have
a high yield Save Bailey and Eye Boss that started
high yield savings accounts.
Speaker 3 (05:57):
Yes in the last six months.
Speaker 4 (05:59):
Just check mine yesterday, because I don't know it was
on my mind and I've only had it since January
and I've already just from my interest gained four hundred
and eighty one dollars.
Speaker 3 (06:10):
Right, so doing nothing right.
Speaker 1 (06:11):
So, just to break it down, highyield savings accounts are
basically you earn interest on the money that's in that account.
So so for instance, I bank with Huntington Bank, I
have a savings account with them. All the money sitting
in there is not doing anything besides sitting in there. However,
in a high yield savings account, they are like it's
a lot of jargon and whatever, but essentially they're using
(06:33):
your your money to help them in business ways. So
because they have access to your money, they're paying you
interest on your money for save putting it in there.
But you can do whatever you want. You don't have
to like have it sitting in there for five years
and not have access to it. You can put it
in there and then it gains interest. And like this
person said, some of them don't have minimum balances and
(06:55):
you I would never do one that has a fee,
so make sure also, like they said to not.
Speaker 4 (07:00):
Anyone has capital one And I have a three point
six interest rate. But like gosh, looking at oh, I've
made four hundred and eighty one dollars in five months.
Speaker 3 (07:09):
Wow, I wish I had this way sooner. Like years
sooner would have been great, right.
Speaker 2 (07:13):
You guys are so much better than me. Alyssa tells
me every day like I don't, I don't. I haven't
even like touched my four oh one K or like
set that up, which is so bad because it's literally.
Speaker 1 (07:24):
You're young and I'm not gonna judge you for that. However,
I also was like you who waited too long to
do my four a one K believe it or not
for someone who's very like money savvy, so I would
say it's one of those things that's on your task
list that you're like, fuck, I don't want to do this, ye,
just call just call Fidelity.
Speaker 3 (07:41):
That's what we go through here with iHeart, and.
Speaker 1 (07:44):
Just call them and like set it up and they
are going to ask you questions that truthfully, I didn't
really know the answer to. Andrew was there at the time,
and so he helped me, Like I had the person
on speaker and he's like, yes, like go high risk
now and do whatever later. Like there are definitely certain
things that they'll ask you that might be a little
bit confusing if you don't do your research, But setting
(08:06):
up for your four oh one K is so important,
especially because our company just brought the match back where
they'll match up to five thousand dollars of a four
oh one K, So that's free money, like you literally
some people will say, don't put money in a four
to one k invested in property, Like there's so many
different things out there that people tell you. However, everyone
will agree that if your company is matching your four
(08:28):
oh one k, you should definitely contribute to a four
oh one k. We didn't have that kind of We
didn't have the match for the last like four years.
So when they sent us an email saying that they're
bringing it back, it's not a lot, I was so stoked.
So anyways, okay, sorry, back to the budget tips from
this person, Stephanie. Go through your credit card and bake
statement for the last three months and see what automatically
(08:49):
is coming out, what bills you are paying, make sure
they are legit, remember day's jib jab, and also pay
attention where the majority of your non essential money is going.
If you stop at the coffee shop, a skip one
day a week, going out for launch or dinner a
lot question marks. They say, replace one of those a
week with a frozen meal, a box dinner, et cetera,
(09:10):
and she has got a couple more. Have an automatic
transfer from checking to your savings account every week or
directly from your paycheck to make sure you are for
sure saving at least something. Only take money out of
your savings if it is absolutely essential. Even saving ten
dollars a week in a high yield savings account will
build up and compound over time. And then last the
biggest tip, start this all today. The earlier you start saving,
(09:34):
the faster you can build your cushion. Saving money can
be easier than you think if you put your money
in the right places. The good luck this comes from
Stephanie and Yeah, like I just said, you just got
a call.
Speaker 3 (09:45):
Make it.
Speaker 1 (09:46):
I won't say today, I will give you a week,
but it's it really is one of those things that
you're like, you'ready to do. Bailey and I were like,
we know we need to put our money in high
yield savings acounts, but we didn't do it.
Speaker 3 (09:56):
And then how long did it take to like five minutes? Yea,
really five minutes?
Speaker 1 (10:00):
It seriously was so quick. So look into all of that.
And Stephanie, thank you so much for your email. That
was super inful. Met Okay, let's see what this says. Hey, hey,
it seems like Dave is always on vacation lately. Just
curious to know how many vacation days everyone gets per year. Also,
(10:21):
if you were to get, say a whole month off,
where would you like to go on?
Speaker 3 (10:25):
Va ky This comes from Marie.
Speaker 1 (10:27):
So Dave, I believe, gets six weeks of vacation because
he has been here for five hundred years, so he
gets six weeks.
Speaker 3 (10:35):
I get. I think I'm at like eighteen days now.
Speaker 1 (10:42):
I've been here for almost ten years, so I think
I'm at like eighteen ten.
Speaker 3 (10:48):
Yep, Ailey and I both get ten.
Speaker 2 (10:50):
iHeart.
Speaker 3 (10:50):
The way it works is we start with ten.
Speaker 2 (10:52):
When you get in the company full time, and then
as I think every five years that goes by, you
get an extra couple. And then some people just have
a way of negotiating, like a couple more or something
like that.
Speaker 3 (11:02):
Yeah, yeah, vacation day.
Speaker 1 (11:04):
There's something that people negotiating their contracts if we are
not getting compensated in other ways.
Speaker 3 (11:11):
So that is why I.
Speaker 1 (11:12):
Have a weird I have a weird number of eighteen
versus I probably would only have fifteen. But that was
one of my contract negotiations anymore. Yeah, last time. And
then well, also they have the other question of if
you could get a whole month off.
Speaker 3 (11:28):
Where would you go on VACA?
Speaker 1 (11:30):
Okay, I personally would probably travel to Southeast Asia, and
I wouldn't stay in just one spot because that's just
not who I am. I like to see everything that
I can, so I would definitely just kind of hit
up a bunch of different places. I'd go to Bali,
I would go to I did go to Thailand, but
I didn't really explore explore Bangkok when I was there.
I'd want to go to Vietnam. I want to hit
(11:52):
all those spots and maybe pop over to like New
Zealand and Australia too. So what about you guys a
month long VACA?
Speaker 4 (12:00):
Well, gosh, if I had a month, I would honestly
probably spend like five days just like chillin' getting my
life in order, because I would love to just you know,
clean my home and make sure it looks really nice
and just relax for a minute and then for the
rest of it. I agree, Jenny, I would love to
go to New Zealand because they have like like kind
of studio accurate or film accurate hobbitin from Lord of
(12:23):
the Rings. And I would love to go and see that.
Speaker 3 (12:25):
That would be so cool.
Speaker 4 (12:28):
And I have one or two friends, two friends in Australia.
It'd be cool to see them. It'd be cool to
go to the Australia Zoo see Robert Erwin.
Speaker 3 (12:37):
In real life. Yeah, he's there all the time.
Speaker 4 (12:41):
Yeah, show up. I mean, like just works there. That's
just like his job, which is insane to me that.
Speaker 3 (12:46):
He's just a zoo keeper, such a baby thing.
Speaker 4 (12:48):
He is so hot and it's so weird because he's
twenty one. But whatever, that's besides the point I would like.
I mean, I would love to see the Scottish Highlands.
That would be really cool.
Speaker 3 (13:00):
I would probably bop around too. I would be boobop.
Speaker 4 (13:02):
Yeah. I do a lot of bopping. I mean, there's
plenty of places in the US. I just I'm not
a world traveler because there's always so many things to
do right here in my own city.
Speaker 1 (13:11):
Mm hmm.
Speaker 3 (13:12):
So honestly, I would do anything.
Speaker 4 (13:14):
If somebody's like, hey, you want to go explore the Midwest,
I'd be like, hell yeah, that sounds fun.
Speaker 2 (13:18):
Hell yeah, pimp in hell yeah, pimp in. I have
two potential answers. One of them's quick Hawaii. I don't
know anything about Hawaii. I've just Melissa and I've been
watching Temptation Island and then it's in Hawaii and it
just looks so gorgeous. But i feel like that's the
cliche answer, So I'm gonna say Puerto Rico. I always
tell you guys, I'd love to go to Puerto Rico.
And I would probably be boobop around too, because there's
(13:38):
San Juan, which is like the tourist the like the
go to place when you go to Puerto Rico. Definitely
want to do all that shit because I am a tourist.
But then like even the smaller islands like vik As
is like a very like a couple of years ago,
Hurricane A re hit vick As and they've been like rebuilding.
It's been like seven years, so I'm sure it's back to,
you know, somewhat normalcy and just have the authentic food.
(14:00):
And I want Puerto Rican food from somebody's grandma's house.
Speaker 3 (14:03):
Yeah, and just pop into some random person's house. We get.
I love it.
Speaker 1 (14:11):
Well, that was a good question. Thanks for us sending
those in so one more email I have. It says hello,
I just wanted to pose a question to It says
just you, ladies, because they probably didn't think that you
were going to be on vunt But since Dave is
out for the week, it says, do you think pretty
privilege is as common as Dave makes it out to be.
We all know where he stands, since he brings it
(14:32):
up a lot, but I would love to hear your
honest and unfiltered opinions on the topic. My opinion is
that it's not as big of an issue as maybe
it once was. We live in the day and age
where anyone can be pretty and attractive if they decide
to put enough time, effort, and money into it. We
have options now like in visi line, weight loss, meds,
laser treatments, et cetera, that can make us all more
(14:54):
conveniently or conventionally attractive. But also the majority of tasks
are done remotely. Now, we don't even see what people
look like a lot of the time for pretty privilege
to become a factor. And lastly, I think beauty is fluid.
I think most of us go through phases in our
life where sometimes we are more attractive than other times,
so the pretty privilege would come and go. I would
(15:14):
love to hear your thoughts and that comes from Ali.
So bailly do you want to kick it off?
Speaker 3 (15:20):
Well, I mean, I think it exists.
Speaker 4 (15:22):
I think what you ali your point about it being
anyone can afford it at this point, or like you know,
if they have the money, they can afford to be pretty.
That's where my problem lies with because like, for example,
the Kardashians. Obviously, I honestly think the Kardashians are gorgeous,
but it's not because they're like, you know, naturally gorgeous.
It's because they have the money to be gorgeous, and
(15:43):
I don't have the money to be gorgeous.
Speaker 3 (15:45):
So therefore I.
Speaker 4 (15:46):
Feel ugly sometimes because other people have the money to
be gorgeous. And also I think just when you grow
up being bullied and stuff for being ugly, then you
do get kind of uh jaded by gorgeous people. But
I I don't think necessarily that they're privileged in the
sense that like Dave would think that they're privileged, like
(16:06):
they get better jobs and everything for being pretty. They
just might get treated better without knowing it. But honestly,
I don't think that's a bad thing to be treated
in a certain way because you're good looking. I think
the real problem is Instagram face, where everyone on the
internet looks exactly the same because they're all getting the
same work done. That's always kind of creepy to me.
But I do think people are beautiful when they have
(16:29):
unique features that are different from others. Yeah, in my
humble opinion Jenny thoughts feelings.
Speaker 1 (16:34):
Yeah, I mean, I do also think that pretty privilege
is definitely a thing. Still, I do not think that
it is to the extent of what Dave thinks it is,
because I feel like Dave kind of puts everyone in
this bucket of Instagram influencers, and there's just so many
other jobs out in the world. But I feel like
he focuses on the people who only have a following
on Instagram because they're pretty, Whereas, like, okay, influencers make
(16:58):
up what percentage of the general population of working people,
not a lot, a very small percent. So when you
look at other industries, I just don't think that your looks,
take like, are that important to getting a job. So
there are definitely jobs that being pretty are in advantage. Yes,
(17:20):
of course, like a news anchor being in sales. I
think salespeople, if you have personality and on top of
that you also are good looking, you are definitely going
to do better in sales. That's just well known when
it comes to sales. So I definitely think that there's
a privilege there. But I also would like to point
out that there are a lot of different privileges out
(17:40):
there outside of pretty privilege. There are so many and
I don't want to get into all of those, but
it's like, how you know, I got a good education.
Speaker 3 (17:49):
At the University of Minnesota.
Speaker 1 (17:51):
I have a decent intelligence, I feel like, but like,
what about the people who got to go to Yale
and Harvard because they're so smart? Is there intelligence privilege
or whatever you would call.
Speaker 3 (18:02):
It, like for their degree privilege?
Speaker 2 (18:04):
Right?
Speaker 1 (18:05):
I do think that there's different kinds of privileges because
you look at certain people who are so smart and
they get really farig in life. But then you look
at other people who just aren't as intelligent, and so
they don't go as feign life because they just aren't
capable of doing the jobs that a super smart person
is able to do. So yes, I would say pretty
(18:25):
privilege is definitely a thing. I just think that the
focus that Dave puts on it is solely a lot
of times has to do with like influencers.
Speaker 4 (18:34):
Yeah, and specific ones, because I even think of influencers
that I follow, and they're not pretty. They just like
wear vintage clothes or they are Disney people or whatever,
and they just have their like niche. And I think
his algorithm is feeding him hot influencers, so that's where
he's getting his information from, versus you know, the grand
scheme of pool of people who are on Instagram who
(18:57):
don't fit that that.
Speaker 3 (18:59):
Yeah, Mold, what do you think you pretty boy?
Speaker 2 (19:02):
You No, I don't think I have a dog in
the fight. I will just say I think off the
twenty four years I've been on this earth. Yeah, Jenny,
there's women or people that have advantages of pretty privilege.
I don't know if it's to the extent that Dave
does make it out to be, but I know that
like like Alyssa, my girlfriend who is a just an
(19:22):
objectively good looking person can walk through cub and have
somebody look at her, or can say something in a
maybe provocative way better and there will be more of
a reaction than like the average Joe Schmoe or like
one of these not pretty influencers that you see on
your timeline, Bailey. Yeah, but like I said, I don't
know about to the degree because it's not something that
I've experienced.
Speaker 1 (19:43):
Well, I wouldn't say that that's a pretty privilege, like
something that an advantage. Yeah, I would say being hollered
at at cub Foods. That's actually the part of pretty
privilege that sucks is like, I mean, whatever, to each
their own. Everyone has a different life experience hands with it.
So whatever you could say that like, oh, I feel
(20:03):
so bad for you because you got hollered at a
cub But truly it is frustrating, Like you should feel
bad for people who are just trying to go about
their daily lives and then they're getting not necessarily harassed,
but almost harassed because they're just walking through the grocery
store attractive.
Speaker 3 (20:21):
So yeah, anyways, thanks for.
Speaker 1 (20:23):
Your email, Allie, And we are a little bit low
on emails here now we've gotten through most of them,
so if you want to send us an email this week,
it's going to be Bailey and I and then maybe
volunt here and there.
Speaker 2 (20:36):
If you send emails for the three of us.
Speaker 1 (20:40):
I'll be here, so send them into ryanshow at KDIWB
dot com.
It's the Minnesota Goodbye. We have a special guest today, Bash.
Speaker 2 (00:04):
Who is he?
Speaker 1 (00:06):
No? I was training Baily. Hello, Yeah, just gating Bons
here today.
Speaker 3 (00:13):
Hey, he for joining US Academy. All right, that's enough.
Speaker 1 (00:20):
Get you get to speak for one minute out this
entire podcast. So choose wisely. No, just kidding, just kidding. Okay,
here we go. Let's come right into the emails. This
person says, I'm writing in hopes of getting your perspective
on a wedding invite situation. So follow along closely because
it's kind of detailed. My cousin's daughter is getting married soon.
(00:42):
Most of my immediate family recently received formal invitations in
the mail, including my parents and brother's family, but I
haven't received one myself. What's puzzling is that I was
invited in the couple's Facebook Save the Date event last year,
and I know they have my address because my girlfriend
and I have sent them Christmas cards the past couple
of years. We're not extremely close, but we did all
(01:03):
go to the same small town high school and see
each other at major holiday gatherings and family birthdays. I
also serve on a nonprofit board with the bride's mother,
so we have a friendly connection over the years. I'm
not usually one to stress over wedding invites, but this
situation has me second guessing, especially since the Facebook invite.
(01:23):
I don't want to assume I'm invited and show up unannounced,
but I also don't want to make anyone feel awkward
if it was an oversight, or if they had to
make tough guest list decisions, maybe it was lost in
the mail. Would it be appropriate to reach out to
the bride directly to ask or would it be better
to speak with her mother? Or should I just let
it go and assume the lack of an invitation was intentional?
(01:45):
Thank you dart Lick dirt, Like, like, I don't know if
they want me to say their name, so I'm going
to leave them anonymous. So what would you guys do?
Would you confront the situation because they were invited to
the Facebook group and everyone else in their immediate family
has gotten their invite or are you just going to
like let it roll and see if maybe the invite
comes in eventually or you're just not invited.
Speaker 4 (02:05):
I liked what they said about asking their mother because
then I mean, then you can get the answer without
like stressing out the bride. Also, if you are not invited,
then you don't have to create an awkward conversation with
you and the bride, because that would be so awkward.
So if you think her mother would know the answer,
(02:27):
if not, I don't know if you're like close with
the mother, but it'd be cool if like, if you
weren't invited, then the mom can be like, so is
so and so coming to your wedding and maybe she
can like drop the hint and then see what the
bride says.
Speaker 3 (02:41):
Yeah, yeah, I would ask the mother for sure.
Speaker 2 (02:44):
Yeah, but I feel like the bride and groom, like
the people like hosting the wedding, you have to be
prepared to have that awkward conversation if you're going to
quote unquote accidentally throw me in the Facebook chat like
now I'm confused. So now if I'm confused and I
come to you, you have to be prepared to just
man up and be like, yeah you are You aren't invited?
Speaker 4 (03:02):
Well, they probably don't if they if they did intend
to invite you and then they didn't realize that you
didn't get the invitation, then it would be confusing for them,
Like what do you mean are you invited?
Speaker 2 (03:12):
Yeah, But then and then it's just like, oh my bad.
But then if it's like, oh yeah, we didn't mean
to put you in that Facebook group chat, it is awkward.
Speaker 1 (03:18):
But I mean, well, you have to think about it
that the Facebook group chat or the group whatever started
a year ago, and a lot of times throughout the
year of wedding planning you do realize like, I've got
to cut some guests, so right, So yeah, I would
say what Bailey said is go to the bride's mother.
If you have a relationship with that person, you serve
on the board together, so it seems like the easy
go too, and then yes, you can refrain from stressing
(03:42):
out the bride and groom and potentially making them.
Speaker 4 (03:44):
Feel Yeah, exactly, So I especially if you're not invited anymore,
I would say definitely ask But yeah, I would say
ask the mother. So and if you are uninvited and
all of your family is invited, there's the police. No
I'm going to say, like could you be their plus one?
Because I have been invited to like my cousin's weddings
(04:05):
on my dad's side, and my parents are divorced, but
I'll bring my mom as a plus one because I'll
be like, Okay, I could either bring someone who will
know zero people at this wedding, or I can bring
my mom, who's going to know everyone at this wedding,
but they just wouldn't invite her because my parents are divorced.
Speaker 3 (04:20):
Yeah, so that's a good option.
Speaker 1 (04:21):
I don't know if they'd want to do that because
they have a partner themselves. So I feel like they
probably would want to go to the wedding and be
able to bring their.
Speaker 3 (04:27):
Partner, but maybe not. Okay.
Speaker 1 (04:30):
The next email we had had an email sent in
yesterday asking us our favorite budget tips, and so here's
some tips from someone and how they love to save
every little penny. They said, shop at ald whenever you can.
For those high price items. You can find name brand
things like Rao Pasta, I don't know how to pronounce it,
(04:50):
Rouse Rouse Pasta, Pasa, General Mills, Cereal and such for cheaper,
but the big hitters are produced Daarien meats.
Speaker 3 (04:57):
You save a ton when you get those. Is that
all deep? Next one when a road trip.
Speaker 1 (05:03):
When on a road trip and needing gas, Jenny, this
is a good tip for you, they say. Google maps
will tell you what gas price is per gallon at
different gas stations. When you search your route for gas stations.
This also tells you how out of the way the
gas station is when you need to stop.
Speaker 3 (05:17):
That's good to know.
Speaker 1 (05:19):
Keep your money in a high yield savings and checking account.
Many banks and credit unions to offer some type of
high yield savings account and possibly checking account. I like
American Express and I have a three point eight percent
interest savings and one percent interest checking account with them.
Don't let your money sit and do nothing. Investing in
mutual funds and long term savings is great, but sometimes difficult,
(05:40):
So why not just keep all of your money in
an account that will essentially pay you to do it.
My amex account has no fees and no minimum balances,
so make sure whenever you wherever you choose to put
your money it doesn't have fees either. I do have
a high yield Save Bailey and Eye Boss that started
high yield savings accounts.
Speaker 3 (05:57):
Yes in the last six months.
Speaker 4 (05:59):
Just check mine yesterday, because I don't know it was
on my mind and I've only had it since January
and I've already just from my interest gained four hundred
and eighty one dollars.
Speaker 3 (06:10):
Right, so doing nothing right.
Speaker 1 (06:11):
So, just to break it down, highyield savings accounts are
basically you earn interest on the money that's in that account.
So so for instance, I bank with Huntington Bank, I
have a savings account with them. All the money sitting
in there is not doing anything besides sitting in there. However,
in a high yield savings account, they are like it's
a lot of jargon and whatever, but essentially they're using
(06:33):
your your money to help them in business ways. So
because they have access to your money, they're paying you
interest on your money for save putting it in there.
But you can do whatever you want. You don't have
to like have it sitting in there for five years
and not have access to it. You can put it
in there and then it gains interest. And like this
person said, some of them don't have minimum balances and
(06:55):
you I would never do one that has a fee,
so make sure also, like they said to not.
Speaker 4 (07:00):
Anyone has capital one And I have a three point
six interest rate. But like gosh, looking at oh, I've
made four hundred and eighty one dollars in five months.
Speaker 3 (07:09):
Wow, I wish I had this way sooner. Like years
sooner would have been great, right.
Speaker 2 (07:13):
You guys are so much better than me. Alyssa tells
me every day like I don't, I don't. I haven't
even like touched my four oh one K or like
set that up, which is so bad because it's literally.
Speaker 1 (07:24):
You're young and I'm not gonna judge you for that. However,
I also was like you who waited too long to
do my four a one K believe it or not
for someone who's very like money savvy, so I would
say it's one of those things that's on your task
list that you're like, fuck, I don't want to do this, ye,
just call just call Fidelity.
Speaker 3 (07:41):
That's what we go through here with iHeart, and.
Speaker 1 (07:44):
Just call them and like set it up and they
are going to ask you questions that truthfully, I didn't
really know the answer to. Andrew was there at the time,
and so he helped me, Like I had the person
on speaker and he's like, yes, like go high risk
now and do whatever later. Like there are definitely certain
things that they'll ask you that might be a little
bit confusing if you don't do your research, But setting
(08:06):
up for your four oh one K is so important,
especially because our company just brought the match back where
they'll match up to five thousand dollars of a four
oh one K, So that's free money, like you literally
some people will say, don't put money in a four
to one k invested in property, Like there's so many
different things out there that people tell you. However, everyone
will agree that if your company is matching your four
(08:28):
oh one k, you should definitely contribute to a four
oh one k. We didn't have that kind of We
didn't have the match for the last like four years.
So when they sent us an email saying that they're
bringing it back, it's not a lot, I was so stoked.
So anyways, okay, sorry, back to the budget tips from
this person, Stephanie. Go through your credit card and bake
statement for the last three months and see what automatically
(08:49):
is coming out, what bills you are paying, make sure
they are legit, remember day's jib jab, and also pay
attention where the majority of your non essential money is going.
If you stop at the coffee shop, a skip one
day a week, going out for launch or dinner a
lot question marks. They say, replace one of those a
week with a frozen meal, a box dinner, et cetera,
(09:10):
and she has got a couple more. Have an automatic
transfer from checking to your savings account every week or
directly from your paycheck to make sure you are for
sure saving at least something. Only take money out of
your savings if it is absolutely essential. Even saving ten
dollars a week in a high yield savings account will
build up and compound over time. And then last the
biggest tip, start this all today. The earlier you start saving,
(09:34):
the faster you can build your cushion. Saving money can
be easier than you think if you put your money
in the right places. The good luck this comes from
Stephanie and Yeah, like I just said, you just got
a call.
Speaker 3 (09:45):
Make it.
Speaker 1 (09:46):
I won't say today, I will give you a week,
but it's it really is one of those things that
you're like, you'ready to do. Bailey and I were like,
we know we need to put our money in high
yield savings acounts, but we didn't do it.
Speaker 3 (09:56):
And then how long did it take to like five minutes? Yea,
really five minutes?
Speaker 1 (10:00):
It seriously was so quick. So look into all of that.
And Stephanie, thank you so much for your email. That
was super inful. Met Okay, let's see what this says. Hey, hey,
it seems like Dave is always on vacation lately. Just
curious to know how many vacation days everyone gets per year. Also,
(10:21):
if you were to get, say a whole month off,
where would you like to go on?
Speaker 3 (10:25):
Va ky This comes from Marie.
Speaker 1 (10:27):
So Dave, I believe, gets six weeks of vacation because
he has been here for five hundred years, so he
gets six weeks.
Speaker 3 (10:35):
I get. I think I'm at like eighteen days now.
Speaker 1 (10:42):
I've been here for almost ten years, so I think
I'm at like eighteen ten.
Speaker 3 (10:48):
Yep, Ailey and I both get ten.
Speaker 2 (10:50):
iHeart.
Speaker 3 (10:50):
The way it works is we start with ten.
Speaker 2 (10:52):
When you get in the company full time, and then
as I think every five years that goes by, you
get an extra couple. And then some people just have
a way of negotiating, like a couple more or something
like that.
Speaker 3 (11:02):
Yeah, yeah, vacation day.
Speaker 1 (11:04):
There's something that people negotiating their contracts if we are
not getting compensated in other ways.
Speaker 3 (11:11):
So that is why I.
Speaker 1 (11:12):
Have a weird I have a weird number of eighteen
versus I probably would only have fifteen. But that was
one of my contract negotiations anymore. Yeah, last time. And
then well, also they have the other question of if
you could get a whole month off.
Speaker 3 (11:28):
Where would you go on VACA?
Speaker 1 (11:30):
Okay, I personally would probably travel to Southeast Asia, and
I wouldn't stay in just one spot because that's just
not who I am. I like to see everything that
I can, so I would definitely just kind of hit
up a bunch of different places. I'd go to Bali,
I would go to I did go to Thailand, but
I didn't really explore explore Bangkok when I was there.
I'd want to go to Vietnam. I want to hit
(11:52):
all those spots and maybe pop over to like New
Zealand and Australia too. So what about you guys a
month long VACA?
Speaker 4 (12:00):
Well, gosh, if I had a month, I would honestly
probably spend like five days just like chillin' getting my
life in order, because I would love to just you know,
clean my home and make sure it looks really nice
and just relax for a minute and then for the
rest of it. I agree, Jenny, I would love to
go to New Zealand because they have like like kind
of studio accurate or film accurate hobbitin from Lord of
(12:23):
the Rings. And I would love to go and see that.
Speaker 3 (12:25):
That would be so cool.
Speaker 4 (12:28):
And I have one or two friends, two friends in Australia.
It'd be cool to see them. It'd be cool to
go to the Australia Zoo see Robert Erwin.
Speaker 3 (12:37):
In real life. Yeah, he's there all the time.
Speaker 4 (12:41):
Yeah, show up. I mean, like just works there. That's
just like his job, which is insane to me that.
Speaker 3 (12:46):
He's just a zoo keeper, such a baby thing.
Speaker 4 (12:48):
He is so hot and it's so weird because he's
twenty one. But whatever, that's besides the point I would like.
I mean, I would love to see the Scottish Highlands.
That would be really cool.
Speaker 3 (13:00):
I would probably bop around too. I would be boobop.
Speaker 4 (13:02):
Yeah. I do a lot of bopping. I mean, there's
plenty of places in the US. I just I'm not
a world traveler because there's always so many things to
do right here in my own city.
Speaker 1 (13:11):
Mm hmm.
Speaker 3 (13:12):
So honestly, I would do anything.
Speaker 4 (13:14):
If somebody's like, hey, you want to go explore the Midwest,
I'd be like, hell yeah, that sounds fun.
Speaker 2 (13:18):
Hell yeah, pimp in hell yeah, pimp in. I have
two potential answers. One of them's quick Hawaii. I don't
know anything about Hawaii. I've just Melissa and I've been
watching Temptation Island and then it's in Hawaii and it
just looks so gorgeous. But i feel like that's the
cliche answer, So I'm gonna say Puerto Rico. I always
tell you guys, I'd love to go to Puerto Rico.
And I would probably be boobop around too, because there's
(13:38):
San Juan, which is like the tourist the like the
go to place when you go to Puerto Rico. Definitely
want to do all that shit because I am a tourist.
But then like even the smaller islands like vik As
is like a very like a couple of years ago,
Hurricane A re hit vick As and they've been like rebuilding.
It's been like seven years, so I'm sure it's back to,
you know, somewhat normalcy and just have the authentic food.
(14:00):
And I want Puerto Rican food from somebody's grandma's house.
Speaker 3 (14:03):
Yeah, and just pop into some random person's house. We get.
I love it.
Speaker 1 (14:11):
Well, that was a good question. Thanks for us sending
those in so one more email I have. It says hello,
I just wanted to pose a question to It says
just you, ladies, because they probably didn't think that you
were going to be on vunt But since Dave is
out for the week, it says, do you think pretty
privilege is as common as Dave makes it out to be.
We all know where he stands, since he brings it
(14:32):
up a lot, but I would love to hear your
honest and unfiltered opinions on the topic. My opinion is
that it's not as big of an issue as maybe
it once was. We live in the day and age
where anyone can be pretty and attractive if they decide
to put enough time, effort, and money into it. We
have options now like in visi line, weight loss, meds,
laser treatments, et cetera, that can make us all more
(14:54):
conveniently or conventionally attractive. But also the majority of tasks
are done remotely. Now, we don't even see what people
look like a lot of the time for pretty privilege
to become a factor. And lastly, I think beauty is fluid.
I think most of us go through phases in our
life where sometimes we are more attractive than other times,
so the pretty privilege would come and go. I would
(15:14):
love to hear your thoughts and that comes from Ali.
So bailly do you want to kick it off?
Speaker 3 (15:20):
Well, I mean, I think it exists.
Speaker 4 (15:22):
I think what you ali your point about it being
anyone can afford it at this point, or like you know,
if they have the money, they can afford to be pretty.
That's where my problem lies with because like, for example,
the Kardashians. Obviously, I honestly think the Kardashians are gorgeous,
but it's not because they're like, you know, naturally gorgeous.
It's because they have the money to be gorgeous, and
(15:43):
I don't have the money to be gorgeous.
Speaker 3 (15:45):
So therefore I.
Speaker 4 (15:46):
Feel ugly sometimes because other people have the money to
be gorgeous. And also I think just when you grow
up being bullied and stuff for being ugly, then you
do get kind of uh jaded by gorgeous people. But
I I don't think necessarily that they're privileged in the
sense that like Dave would think that they're privileged, like
(16:06):
they get better jobs and everything for being pretty. They
just might get treated better without knowing it. But honestly,
I don't think that's a bad thing to be treated
in a certain way because you're good looking. I think
the real problem is Instagram face, where everyone on the
internet looks exactly the same because they're all getting the
same work done. That's always kind of creepy to me.
But I do think people are beautiful when they have
(16:29):
unique features that are different from others. Yeah, in my
humble opinion Jenny thoughts feelings.
Speaker 1 (16:34):
Yeah, I mean, I do also think that pretty privilege
is definitely a thing. Still, I do not think that
it is to the extent of what Dave thinks it is,
because I feel like Dave kind of puts everyone in
this bucket of Instagram influencers, and there's just so many
other jobs out in the world. But I feel like
he focuses on the people who only have a following
on Instagram because they're pretty, Whereas, like, okay, influencers make
(16:58):
up what percentage of the general population of working people,
not a lot, a very small percent. So when you
look at other industries, I just don't think that your looks,
take like, are that important to getting a job. So
there are definitely jobs that being pretty are in advantage. Yes,
(17:20):
of course, like a news anchor being in sales. I
think salespeople, if you have personality and on top of
that you also are good looking, you are definitely going
to do better in sales. That's just well known when
it comes to sales. So I definitely think that there's
a privilege there. But I also would like to point
out that there are a lot of different privileges out
(17:40):
there outside of pretty privilege. There are so many and
I don't want to get into all of those, but
it's like, how you know, I got a good education.
Speaker 3 (17:49):
At the University of Minnesota.
Speaker 1 (17:51):
I have a decent intelligence, I feel like, but like,
what about the people who got to go to Yale
and Harvard because they're so smart? Is there intelligence privilege
or whatever you would call.
Speaker 3 (18:02):
It, like for their degree privilege?
Speaker 2 (18:04):
Right?
Speaker 1 (18:05):
I do think that there's different kinds of privileges because
you look at certain people who are so smart and
they get really farig in life. But then you look
at other people who just aren't as intelligent, and so
they don't go as feign life because they just aren't
capable of doing the jobs that a super smart person
is able to do. So yes, I would say pretty
(18:25):
privilege is definitely a thing. I just think that the
focus that Dave puts on it is solely a lot
of times has to do with like influencers.
Speaker 4 (18:34):
Yeah, and specific ones, because I even think of influencers
that I follow, and they're not pretty. They just like
wear vintage clothes or they are Disney people or whatever,
and they just have their like niche. And I think
his algorithm is feeding him hot influencers, so that's where
he's getting his information from, versus you know, the grand
scheme of pool of people who are on Instagram who
(18:57):
don't fit that that.
Speaker 3 (18:59):
Yeah, Mold, what do you think you pretty boy?
Speaker 2 (19:02):
You No, I don't think I have a dog in
the fight. I will just say I think off the
twenty four years I've been on this earth. Yeah, Jenny,
there's women or people that have advantages of pretty privilege.
I don't know if it's to the extent that Dave
does make it out to be, but I know that
like like Alyssa, my girlfriend who is a just an
(19:22):
objectively good looking person can walk through cub and have
somebody look at her, or can say something in a
maybe provocative way better and there will be more of
a reaction than like the average Joe Schmoe or like
one of these not pretty influencers that you see on
your timeline, Bailey. Yeah, but like I said, I don't
know about to the degree because it's not something that
I've experienced.
Speaker 1 (19:43):
Well, I wouldn't say that that's a pretty privilege, like
something that an advantage. Yeah, I would say being hollered
at at cub Foods. That's actually the part of pretty
privilege that sucks is like, I mean, whatever, to each
their own. Everyone has a different life experience hands with it.
So whatever you could say that like, oh, I feel
(20:03):
so bad for you because you got hollered at a
cub But truly it is frustrating, Like you should feel
bad for people who are just trying to go about
their daily lives and then they're getting not necessarily harassed,
but almost harassed because they're just walking through the grocery
store attractive.
Speaker 3 (20:21):
So yeah, anyways, thanks for.
Speaker 1 (20:23):
Your email, Allie, And we are a little bit low
on emails here now we've gotten through most of them,
so if you want to send us an email this week,
it's going to be Bailey and I and then maybe
volunt here and there.
Speaker 2 (20:36):
If you send emails for the three of us.
Speaker 1 (20:40):
I'll be here, so send them into ryanshow at KDIWB
dot com.
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