6 Burst results for "Orange Bank"

"orange bank" Discussed on Túnel de vento

Túnel de vento

03:16 min | 4 months ago

"orange bank" Discussed on Túnel de vento

"To the way extolling gecko macaque. Unleash your stavros vacaville. Perceive meant coach. Macaque kick fish can kill sees or she in uci. You'll starch content. Komo's herb inca elta get canosa. Pink thing cannot rather veal album damn sale ideas. Orange bank to vehicle vehicle macarthur. You've got to banco. you should use of missouri at. You'll see you'll see to buy illiterate view. Please leave your bank. Boozy lebed mao. City is the snow so also look you very. And you'd pinkos macaques mal ashton desert..

"orange bank" Discussed on The Indicator from Planet Money

The Indicator from Planet Money

09:56 min | 1 year ago

"orange bank" Discussed on The Indicator from Planet Money

". Stacey next. . Jacob Feldstein. . Planet money author of money the true story of amid up during a new book. . Say I. . brought props for us to do the indicator. . I say. . That's been months. . It's been. . That guy's been honking hall eight months. . I have props came over so I could give you these troughs. . Okay. . Go ahead and look at them. . All right. . Okay. . So, , this is like a really high quality xerox of an old piece of money. . THREE DOLLAR BILL RE dollar bill that's really a real thing. . There's like a a lady standing next to in like a ball gown standing next to a cow to I chose a cow to pander to you I do love a cow keep going. . Okay. . The Orange Bank <hes>. It's . orange because this from the orange. . Bank and this is a one dollar bill. . So Stacey, , these are reproductions of real paper money that was printed by private banks in the United States in the eighteen forties and fifties. . This is one of the most interesting periods I found in the history of money when I was working on my book, , it's this moment when the United States government did not print money, , there was in fact, , no single national paper currency but if you wanted to. . Open Up Stacey's Bank of New York and print your own paper money. . You could. . I don't know if I would trust that dollar from that. . Was a real problem that was a real problem we'll get to that. . I. Mean . they were just so many different kinds of money at one point the Chicago Tribune counted eight, , thousand, , three, , hundred, , and seventy different kinds of paper money in America. . This sounds very confusing for everyone involved this indicator from planet money. . I'm Stacey Vanik Smith and Jacob. Goldstein . can we make eight, , thousand, , three, , hundred and seventy, , the indicator? ? Yes. . Today on the show. . How can you even have that many kinds of money and also just what does it tell us about money works? ? Let's just go. . Let's just go a block away to get away from the horn. . Yeah. . Support for NPR and the following message come from fund. . fundraise fund makes it easy for anyone to invest in high quality real estate by building you a portfolio with their more than one billion dollars in assets get started at fundraise dot com slash indicator to have your first ninety days of advisory fees. Waived. . . This message comes from NPR sponsor. . Microsoft teams. . Now, , there are more ways to be a team with Microsoft teams bring everyone together in a virtual room collaborate live on the same page and see up to forty nine people onscreen learn more at Microsoft Dot com slash teams. . So can we should set the scene here Jacob the nineteenth century America lots of is apparently also this was the era when gold and silver were money and Jacob say in the book that the government minted gold and silver coins, , but it did not make paper money at that time. . The exactly right. So . the only paper money in America was printed by all of these different. . Private banks people called paper money in fact banknotes, , right. So . they thought of it as like a piece of paper from a bank and they thought of paper money in particular as like a receipt or a coach ticket as as a thing that you could substitute for gold and silver, , and in fact, , if you look at at the bills I gave you all have this kind of. . Writing like just grab a different one for fun. . So we can say what it looks like. . <hes>. . Okay. . This is the stoning ten bank, , a two dollar bill. . There's a way. . Moby Dick or something Wail Bell we've cow Bill Wail Bill <hes>. . So okay. . So now look at the cursive writing see the cursive they're just blowers is stoning to. . Two dollars to the bear on demand right and if you look all these different bills are different colors, , they have different pictures on them, , but they all say that will pay how ever many dollars to the on demand and so the second interest. Yeah . it's an Iou because the interesting thing is it's telling you the paper money is not the real money. . Right? ? They're saying we will give you two dollars in gold and silver for this paper money right? ? So the real money in this world is the underlying gold or silver the paper is just like. . The Standard. . So this is a time in history when there's not federal bank, , there's not a national bank. There's . like thousands of of little local banks and I guess all these banks can issue their own money. . That's right and it's kind of evolving in this period at the beginning of this ehre the eighteen thirties. . If you wanted to open a bank, , typically you had to go to your state legislature and get special approval. . Basically, , they had to pass a special law that would let you open your bank and this was problematic because I was super corrupt essentially. . Bank and print money. . Then you're gonNA bribe whoever you have to. . Say all the knee. . All due respect to get them to let you open your bank. Right. . . So around eighteen forty, , a little earlier, , this new idea became popular. . The new idea was called free banking. . And the idea of free banking was anybody who is willing to follow a few basic rules could. . Take and start printing money and literally start printing money and you know not surprisingly a lot of people wanted to print money. . This is how we get eight thousand different kinds of money. . Yes. . How do you know if the bill that someone's handing you is real money or if it's literally just a piece of paper from the First Bank of Stacey Vanik Smith which might be real money. . I wouldn't. . Maybe. . Add bribed senator so I love this so there arose in response to this problem these special periodicals Magazines that were privately published called banknote reporters. . And what they were was these lists in tiny font of every kind of money. . So I actually have a reproduction here another prop from a page. . This one was called. . Thomson's Bank note. . Reporter. . K.. . So the people who subscribe to this merchants people who need to accept money. . So so let's just say I'm running a bar and I got my thompsons bank note reporter and I come in I need a drink who thirsty I'm thirsty. So . okay. So . the page of the bank note reporter I printed out is for Orange Bank. . Okay. . Okay. . So have that bill right here it is and it's a one dollar bill. . So I find Orange Bank here in my Bengal reporter and it says Okay Orange Bank listed different bills and says ones and under wants it describes what the bill is supposed to look like says to horses check. . Hey, , Cart Jack Blacksmith shop male portrait Jack Girl. . Check. . So it's at least plausibly real. . The reporter also tells me something else that's important and that explains a lot about how many works at this time. . Typically would tell me whether I should accept that paper money at full face vowed I can buy my dollar whiskey with this whether you can get your dollar whiskey because remember what we care about is whether I can turn in that paper money for gold or silver, , and so if the bank is shaky or even if it's just really far away. . You know the reporter might say, , just knock five cents off the dollar give Stacey Ninety five cents worth of whiskey instead of a dollar that took a really long time to buy that we ski. . It does seem like it would have been absurdly inconvenient right and for a long time when people look back at this period, , the basic story of free banking was just that was a horrible idea like that many kinds of money right but. . Much, , later, , like in the nineteen seventies. . This generation of economic historians started going back and looking more closely. . At the banks and how money works in this period and what they saw when they really went through the numbers was basically like it wasn't that bad Bankston go bus that often people didn't usually lose much money when they used. . We're you overall they would lose like a few percent which is. . Kind of like what you pay today. . So when you take money out of the weird off Brand ATM at. . The corner store. . which I always do. . Yeah, , I. . Mean. . That's basically like the the bartenders giving you ninety cents for your dollar when you do that, right? , ? So. . Obviously, , we do not have eight thousand different kinds of money now this ended and it ended after the civil war. . Yeah was the civil war. . So during the civil war, , that old American argument of can we have national banks or not came up again and Congress passed a few important banking laws. . One of them basically taxed all those thousands of kind of state banknotes out of existence, , and then the other one created these new national banks that printed much more reliable, , much more uniform paper money. . It's interesting because I mean, , this was obviously after the civil war was the time when the United States went from like a collection of. . To One Country, , and it seems like the same thing happened with currency maybe not a coincidence. . Your I mean, , there is this idea at least in the modern world money is part of what makes a country a country and I think you do see that happening at this moment in the united. States . when we go from thousands of kinds of money toward one uniform kind of paper money I'm just sad we lost the cow bills. . Because you know Jacob I have a fever and the cure. . This story in like a whole bunch of other like believable stories like this are in your new book money. . The true story of a made up thing. . This episode of the indicator was produced by Nick. Fountain . fact check by Britney Cronin, , the indicators edited by Patty hearst and is a production

Stacey Vanik Smith Orange Bank Jacob Feldstein Reporter Okay Orange Bank Bank of New York federal bank Bill Wail Bill America Microsoft First Bank thompsons bank reporter NPR United States Chicago Tribune N. P. R Goldstein
The Birth Of The Greenback

The Indicator from Planet Money

09:56 min | 1 year ago

The Birth Of The Greenback

"Stacey next. Jacob Feldstein. Planet money author of money the true story of amid up during a new book. Say I. brought props for us to do the indicator. I say. That's been months. It's been. That guy's been honking hall eight months. I have props came over so I could give you these troughs. Okay. Go ahead and look at them. All right. Okay. So, this is like a really high quality xerox of an old piece of money. THREE DOLLAR BILL RE dollar bill that's really a real thing. There's like a a lady standing next to in like a ball gown standing next to a cow to I chose a cow to pander to you I do love a cow keep going. Okay. The Orange Bank It's orange because this from the orange. Bank and this is a one dollar bill. So Stacey, these are reproductions of real paper money that was printed by private banks in the United States in the eighteen forties and fifties. This is one of the most interesting periods I found in the history of money when I was working on my book, it's this moment when the United States government did not print money, there was in fact, no single national paper currency but if you wanted to. Open Up Stacey's Bank of New York and print your own paper money. You could. I don't know if I would trust that dollar from that. Was a real problem that was a real problem we'll get to that. I. Mean they were just so many different kinds of money at one point the Chicago Tribune counted eight, thousand, three, hundred, and seventy different kinds of paper money in America. This sounds very confusing for everyone involved this indicator from planet money. I'm Stacey Vanik Smith and Jacob. Goldstein can we make eight, thousand, three, hundred and seventy, the indicator? Yes. Today on the show. How can you even have that many kinds of money and also just what does it tell us about money works? Let's just go. Let's just go a block away to get away from the horn. Yeah. Support for NPR and the following message come from fund. fundraise fund makes it easy for anyone to invest in high quality real estate by building you a portfolio with their more than one billion dollars in assets get started at fundraise dot com slash indicator to have your first ninety days of advisory fees. Waived. This message comes from NPR sponsor. Microsoft teams. Now, there are more ways to be a team with Microsoft teams bring everyone together in a virtual room collaborate live on the same page and see up to forty nine people onscreen learn more at Microsoft Dot com slash teams. So can we should set the scene here Jacob the nineteenth century America lots of is apparently also this was the era when gold and silver were money and Jacob say in the book that the government minted gold and silver coins, but it did not make paper money at that time. The exactly right. So the only paper money in America was printed by all of these different. Private banks people called paper money in fact banknotes, right. So they thought of it as like a piece of paper from a bank and they thought of paper money in particular as like a receipt or a coach ticket as as a thing that you could substitute for gold and silver, and in fact, if you look at at the bills I gave you all have this kind of. Writing like just grab a different one for fun. So we can say what it looks like. Okay. This is the stoning ten bank, a two dollar bill. There's a way. Moby Dick or something Wail Bell we've cow Bill Wail Bill So okay. So now look at the cursive writing see the cursive they're just blowers is stoning to. Two dollars to the bear on demand right and if you look all these different bills are different colors, they have different pictures on them, but they all say that will pay how ever many dollars to the on demand and so the second interest. Yeah it's an Iou because the interesting thing is it's telling you the paper money is not the real money. Right? They're saying we will give you two dollars in gold and silver for this paper money right? So the real money in this world is the underlying gold or silver the paper is just like. The Standard. So this is a time in history when there's not federal bank, there's not a national bank. There's like thousands of of little local banks and I guess all these banks can issue their own money. That's right and it's kind of evolving in this period at the beginning of this ehre the eighteen thirties. If you wanted to open a bank, typically you had to go to your state legislature and get special approval. Basically, they had to pass a special law that would let you open your bank and this was problematic because I was super corrupt essentially. Bank and print money. Then you're gonNA bribe whoever you have to. Say all the knee. All due respect to get them to let you open your bank. Right. So around eighteen forty, a little earlier, this new idea became popular. The new idea was called free banking. And the idea of free banking was anybody who is willing to follow a few basic rules could. Take and start printing money and literally start printing money and you know not surprisingly a lot of people wanted to print money. This is how we get eight thousand different kinds of money. Yes. How do you know if the bill that someone's handing you is real money or if it's literally just a piece of paper from the First Bank of Stacey Vanik Smith which might be real money. I wouldn't. Maybe. Add bribed senator so I love this so there arose in response to this problem these special periodicals Magazines that were privately published called banknote reporters. And what they were was these lists in tiny font of every kind of money. So I actually have a reproduction here another prop from a page. This one was called. Thomson's Bank note. Reporter. K.. So the people who subscribe to this merchants people who need to accept money. So so let's just say I'm running a bar and I got my thompsons bank note reporter and I come in I need a drink who thirsty I'm thirsty. So okay. So the page of the bank note reporter I printed out is for Orange Bank. Okay. Okay. So have that bill right here it is and it's a one dollar bill. So I find Orange Bank here in my Bengal reporter and it says Okay Orange Bank listed different bills and says ones and under wants it describes what the bill is supposed to look like says to horses check. Hey, Cart Jack Blacksmith shop male portrait Jack Girl. Check. So it's at least plausibly real. The reporter also tells me something else that's important and that explains a lot about how many works at this time. Typically would tell me whether I should accept that paper money at full face vowed I can buy my dollar whiskey with this whether you can get your dollar whiskey because remember what we care about is whether I can turn in that paper money for gold or silver, and so if the bank is shaky or even if it's just really far away. You know the reporter might say, just knock five cents off the dollar give Stacey Ninety five cents worth of whiskey instead of a dollar that took a really long time to buy that we ski. It does seem like it would have been absurdly inconvenient right and for a long time when people look back at this period, the basic story of free banking was just that was a horrible idea like that many kinds of money right but. Much, later, like in the nineteen seventies. This generation of economic historians started going back and looking more closely. At the banks and how money works in this period and what they saw when they really went through the numbers was basically like it wasn't that bad Bankston go bus that often people didn't usually lose much money when they used. We're you overall they would lose like a few percent which is. Kind of like what you pay today. So when you take money out of the weird off Brand ATM at. The corner store. which I always do. Yeah, I. Mean. That's basically like the the bartenders giving you ninety cents for your dollar when you do that, right? So. Obviously, we do not have eight thousand different kinds of money now this ended and it ended after the civil war. Yeah was the civil war. So during the civil war, that old American argument of can we have national banks or not came up again and Congress passed a few important banking laws. One of them basically taxed all those thousands of kind of state banknotes out of existence, and then the other one created these new national banks that printed much more reliable, much more uniform paper money. It's interesting because I mean, this was obviously after the civil war was the time when the United States went from like a collection of. To One Country, and it seems like the same thing happened with currency maybe not a coincidence. Your I mean, there is this idea at least in the modern world money is part of what makes a country a country and I think you do see that happening at this moment in the united. States when we go from thousands of kinds of money toward one uniform kind of paper money I'm just sad we lost the cow bills. Because you know Jacob I have a fever and the cure. This story in like a whole bunch of other like believable stories like this are in your new book money. The true story of a made up thing. This episode of the indicator was produced by Nick. Fountain fact check by Britney Cronin, the indicators edited by Patty hearst and is a production

Stacey Vanik Smith Jacob Feldstein Reporter Orange Bank Bank Of New York United States Okay Orange Bank America NPR Federal Bank Bill Wail Bill Microsoft First Bank Thompsons Bank Chicago Tribune Congress
"orange bank" Discussed on KDWN 720AM

KDWN 720AM

07:34 min | 1 year ago

"orange bank" Discussed on KDWN 720AM

"Nine point five percent in the first quarter down now only four percent through the first four weeks of the second quarter of course looting and vandalism in cities dealing another blow to small businesses that were already reeling from the corona virus outbreak along with big chain stores like target Walgreens and Macy's independent retailers in neighborhoods and downtown sections have been the target of vandals and looters many businesses had been closed as government officials tried to contain the spread of coronavirus leaving owners with little or no revenue since March John banks will be a part of the solution to the widespread unrest over police brutality the fact from U. S. comptroller of the currency Brian Brooks Brooks told Bloomberg that the civil unrest will drag on net any economic recovery suffered from the corona virus a pandemic but financial institutions will help out one of the really tragic things and stories that don't don't get told off and another is in a lot of these neighborhoods they're actually orange banks and that's part of the problem is over the last twenty or thirty years many banks eliminated their branches in low income neighborhoods in inner cities and parts of parts of the country that we now call banking deserts and that's what has led to some of the under investment that I think has produced the anger and the lack of opportunities that are leading to these protests today so so again you know banks are having their own issues and we're gonna help them manage through all of that but the real problem is kind of the opposite it's that there aren't enough bank branches there's not enough lending and investment in these communities and that's I think what's causing this massive eruption out there that you're seeing talk to us about the community reinvestment act exactly what is that and what's the role of your office and that yeah so you know the community reinvestment act was a really important law that was passed in nineteen seventy seven to address the problem of banks only serving their preferred customers which tended to be richer people in quieter people then the end of the world as a whole and the committee reinvestments to look banks have a special privilege in our system they have deposit insurance to prevent their depositors from losing money they have access to the payment system which the government has created something a lot of special benefits and the thinking was in return for those benefits they need to serve all their communities not just the rich people are not just the people in the fancy neighborhoods one of the things we've tried to do David just this year is to modernize and kind of re imagine the community reinvestment act for the twenty first century in ways that are designed specifically to help the kind of people who are expressing so much pain and anguish right now the most important thing about it a David is that historically we only measured a bank's activities around to their branches and so the irony is as banks started closing branches in poor neighborhoods they no longer got measured for their activities there and the communities were sort of left behind we're trying to all for that today we need to get their activities in a modern environment measured every where their customers live not ideal courtesy of Bloomberg a tech focused civil liberties groups sued to block president trump's executive order that sought to regulate social media saying it violates the first amendment and chill speech the order signed last week could allow more lawsuits against internet companies like Twitter and Facebook for what their users post tweet and stream of the order and more political than substantive though while many experts questioning whether it was constitutional president trump has long accused tech companies of being biased against conservatives the tech industry civil rights and libertarian or innovations in the U. S. chamber of commerce have all criticized the ordered meanwhile Facebook CEO mark Zuckerberg is not budging over his refusal to take action on post by president trump spread misinformation about voting by mail and what many said encouraged violence against protesters I his critics however are multiplying two engineers at the company publicly quit over the issue and civil rights leaders who met with him Monday night denounced sucker birds explanation for choosing to leave president trump's post alone as incomprehensible recode co founder Kerr Swiss cara Swisher said Facebook gets a pass regardless of what it does because CEO mark Zuckerberg is only looking out for himself I think it always catches up right now they can be as difficult they want because their stock is up and so they get the staff the students ability to say it's okay because of these because of because they really are the only game in town and so they decided because there's a lot of Asian coming possibly as a transaction the title up for that to the current government I think there's a danger in that eventually but I think that markets seen throughout his his short corporate history that he can violate rules and get away with it and so this is just the same you know and it is that this is sort of a song that I keep thinking and telling people and they're surprised that he does the same thing over and over again but this is a pattern of market economics from earlier today he has complete control of the company is not marketed maintenance instructor mark and you know he is he he's not thinking of anything like what the right thing for history he doesn't yet the happenings knowledge does the first amendment from what I can I can speak about it and I find it disturbing late night thank you at the same time he has made a decision and his decision is is the rule of law at Facebook and therefore that's what they're gonna do people decide whether to use of these products are good you know I know my own kids don't want to use it and this is part of the reason and don't really disappointed by the decision you know my kids don't represent everybody thought some people find it really useful you know mark Zuckerberg is going to continue to be what I call a month later the Susan Collins of the internet so that's what he's gonna do is gonna be disappointed and concerned that he's going to do exactly nothing about that continue to look at president trump do we want that I think you are right all right in saying that there's no for for the president because if you get kicked off first sidelined he can complain to his face if he if he doesn't if nothing happens he wins it's just it's it's a really uplifting situation something his company and other companies especially you should have stayed a long time ago Swisher making the comments to CNBC Facebook rival Twitter flagged and demoted TweetDeck referenced protests against police violence with the phrase when the looting starts the shooting starts Facebook let an identical message stands on its service then mark Zuckerberg criticized a Twitter before really for flagging and the president's posted that and really caused a lot of went sucker Berg is facing now backlash from his employees zoom zoom video communications rapidly emerging as the latest internet gold mine as millions of us flock to it to for meetings schools you name it the once obscure company providing a window into the astronomical growth that has turned it into a Wall Street star with Tuesday's release of its first quarter results numbers exceeding already heightened expectations providing another lift to a rocketing stocks whose market value of fifty nine billion now exceeds the combined value of the four biggest U. S. airlines tech rights groups well that that's what's going on with the zoom right now you've got America's first name is on your side America's first news.

vandalism
"orange bank" Discussed on Vroom Vroom Veer with Jeff Smith

Vroom Vroom Veer with Jeff Smith

10:04 min | 2 years ago

"orange bank" Discussed on Vroom Vroom Veer with Jeff Smith

"But a lot of times, you know, they're out traveling doing their job, or maybe taking some time off and I can literally go like a whole day with not interacting with people at all. I mean, I have to go out of my way, sometimes, too, like, you know, they'll give me other stuff to do. That's like nerdy update the asset database. Okay, great. All right. So I'll work on that all day. But I'll never actually talk to people. I, thoroughly depressed on those days, it's just like nobody loves me. That's interesting. Makes sense. It makes sense that you're doing a podcast, where you get to talk to people all over the country. So exactly there you go. Okay. So let's talk a little bit about how you got into the personal finance business because it started it seems like you were. You were there already, like, really young. Right. I mean you were obsessed with money already. But how did you officially graduate into being a financial planner? Yes. So I had the good fortune. I didn't realize you could have a career helping other people with money until I was in my mid twenties, and in my mid twenties. I had the really good fortune. I had actually had been working in the political arena helping raise money for various nonprofit organizations for and I was just all jazzed up. I love American just trying to get more people involved in being an American and helping them understand that their voice matters. And, and then I went to work for some banks after that career moved up to Alaska for a little while and oranges banks up there and worked for the Lasca commission on post secondary education for a little while oil checks, good for you. A move down to move down to Washington. And I was just so I had I and that's when I was doing the work for the political organizations. I and I just got burnt out man. I felt like I was just spinning my wheels talking to people about the same thing. And I just didn't wanna do it anymore. So I called my dad and I said, hey dad, I need to make a career change in. He said, well, I have a friend in Florida. That's having a lot of success with this great big company once you call him. So I did. And then that guy referred me to a guy in Seattle and then the guy in Seattle referred me to the district manager, which who a man who ended up becoming my mentor dean, and I in things I tried to teach people. Jeff all the time is one relationship can totally change your life, and for me, I was a young man in my mid twenties and met my mentor dean, he was in his mid sixties or early sixties at the time. And, and yeah, he took me under his wing, Tommy, everything he had owned his own broker dealer back in Montana. Years earlier, and just really taught me the ropes he invested in me, not just his time, but he invested money to help me start my own independent investment advisory firm. But without that one relationship without that mentor ship, I never would have had the opportunity that I have today. So I just at this point in my career, I am now trying to create those mentor opportunities for other people, I'm trying to bring other went underneath me, so that I can help them the same way that I was given an opportunity. So one relationship can change your life. In the other thing along those same lines is. I noticed the first person I called when I wanted to make a change was my dad. My dad connected me to his friend. His friend connected me to the guy and Seattle. The other thing I've found is these connections in our life are so important. One of the things I like to geek out on these days is, I think about how am I connected to different people like how did the relationship come to be in what I've found is that most of the relationships in my life are a result of just a handful of people. So my dad's a huge connector for me. My wife is a huge connector for me. And then my mentor, my friend dean he passed away a couple years ago, but he's a huge connector. So most of the relationships, I have today, I can connect can trace back to these few people as I connect the dots. Like, how did it come to be? And once you recognize who these important people are in your life that connect you with all of these other, folks, man. You gotta you gotta just you got you got act, those relationships, you've got to spend more time with those people in and alternately at the end of the day. That's what life is really all about. It's about the people, and it's about the relationship, so that's. Something I'm passionate about today. That's fun. I mean, you know, I just had a really cool conversation with another buddy of mine and, and basically it was it was similar to what you were talking about about how like blessed I felt I feel now. Just these very few just a handful of interactions, with, like one dude. Right. Really set me up for success. It was almost like he just was like a time, traveler sent by God or something is really kind of like what it felt like because he just showed up and then went away. I really don't even remember the guy's name, but I saw them like three times in my life. But he said, you know, what are you doing other than maxing out your IRA? And where are you putting your money? And right. And then oh, I think the third time I saw him the second time I saw him. He said, you can do way, better than just max out your IRA's. You should you know, it was more of that, like, message of the fire movement of you don't really need to spend all of your money you should be really thinking about saving now as much as you can that message. And, and then I. I saw him like the third time and the third time I saw him it was funny because I met him in Florida. He was the staff. Sergeant that worked in the wing history office. Okay. And I worked in the wing quality office, I literally only met twice or three times in my life. So the third time we were both in print Sultan, airbase in Saudi Arabia. And I was getting ready to leave. And he just got there. And I saw him on a bus and he said. How you doing? And I was like I got a lot of money. Thanks. It was just like this high five moment of, thank you. Thank you for everything you did for me. Because if it weren't for you, I would I would be like where everybody else is a, a lot of people, unfortunately. Is just you never get to learn these, these key lessons that all the fire people now are learning really early, which is great. But unlike the baby Boone, baby-boomer people or people getting ready to retire, now looking and saying, Jesus, my 4._0._1._K even going to be enough that kind of thing. Yeah. So it's tough. Yeah. Well, and there's no way to answer the question of it's going to be enough unless you understand you're spending. And that's why again I create my budget calculator retirement budget calculator. But no, I got lucky on that too, because we can go into this now. Because I got my wife does all the checkbook stuff. So she does all the Bill paying and making sure she's got enough in the checkbook to pay all the bills and make I'm making enough money. That's always a point of contention. Hey, you need to go make more money. But, you know. So it was easy for me to just say, how much money do we need everyone? You know. You know, and she went, well, let me go check. And she just pulled out all just like one of these bookkeeper, not safe. You know. And she, just always the nerd, yes, she's the money geek. I'm like the investor person but okay if I have too much money, I'll spend it we've. Yeah. So, you know, she just she makes my magic wallet have a little bit of cash in and every once in a while, and then I try not to go over my credit card allowance. I sometimes fail. But I usually stay okay? But I knew that number, you know, I didn't really need to as long as I was provide as long as the money in the Bank was going to give her as much as money that she needed. Then she was good. So then I had that number to work back from. And it made the calculation a lot easier to figure out how what the target was as far as. Yes. Yes. Right. So there's two things there that you said that I want to touch on because they're both really awesome. The first one is that you talk about this guy that came into your life, just a handful at times. And I I'm in the middle of rating, or actually listening to on audible. The travelers gift by Andy Andrews. Have you read that book? No. But I think I want to the travelogue man travelers gift by Andy Andrews. This is becoming this may end up. Be this may end up being my favorite book for the year for sure. But definitely one of my top five. I mean it is really, really good. And so I, I enjoy jogging. So I I love going out and listening to a good podcast or good audio book, when I'm out jogging in the morning. So that's a good one. But the second thing you talked about you talked about the fact your wife has kind of money nerd and she likes budgeting and one of the things I've found is that usually in relationships one per. Person's really good at that, and one person isn't. And so it's good to understand that everybody has their strengths. And so the people that have that strength. Let them work to don't try to make somebody that doesn't have that strength be something that they're not. But. Right. Yeah. So that that's one piece. But then the other thing that my wife and I did because you used a word there that makes me nervous, which is credit cards. My wife and I when we really got on the same page for our spending, we started doing the old fashioned envelope budgeting, where we would take cash and put it in envelopes every month and for years and years and years. We, we did it that way. And it's actually one of the reasons I started creating the retirement budget calculator was because I wanted a better way to do my own vote budgeting, but then there's problems with envelope budgeting and cash like you put cash in the grocery envelope, and then I get money out, I go to the grocery store, spend it, and then the money ends up in my wallet, and I never put it back in the envelope. And then I spend it on paintball with my son or something to now. You're in your listeners will probably enjoy this, if their money nerds, what.

Seattle dean Florida Andy Andrews Alaska Lasca commission Saudi Arabia Washington Tommy Jeff district manager Boone Montana Bill
"orange bank" Discussed on KFI AM 640

KFI AM 640

05:17 min | 2 years ago

"orange bank" Discussed on KFI AM 640

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