Peter Dunn: [00:00:00] If you've been listening to the show for a while, what I'm about to tell you, while it is a unique story in the moment, it is not the first time I've dealt with this exact same unique experience. Welcome to the Pete the Planner Show, everyone. Joining me as always, Kristen Alenius and Dame Dunn. Hello, Dame.
Hello, Pete. Kristen. Hello. Kristen is currently mortified. As she shared a story with us right before we went to a recording here that she is terrified that I will bring up right now. Correct, Kristen?
Kristen Ahlenius: I'm terrified for our social media presence. That's different.
Peter Dunn: Good morning, Rick Swink. Good, big Rick Swink.
Good to be with you, Quincy. G'day. Oh, good. I good morning, Jen. Hello, everyone. Okay. I was in Vegas the entire week. I was just for work. It was eventful. It was a lot going on. I went to a magic [00:01:00] show with our colleague, Ben. Good morning, Don. Or is it Dan? I can't read Dan. Sorry. Hello, Caitlin.
How you doing? And Andy. So we're in Vegas which I, this, whatever on the way to Vegas, if we want to fly direct from Naptown, you jump on a little something they call Southwest Airlines. And Dave, this is not the first time I've had this exact experience, truly the exact experience and some five, six years removed from the last time I've had the experience.
I didn't handle it better. So I'm standing in the corral, to get seated and be 21. Or whatever. And so I'm, I line up like, and I'm looking at the distance between the two poles. I'm thinking, where would 21 be in relation to 20 in relation to 22? And so I, on some level I took my iPhone and I use the measurement app to look at the distance between the two points.
And then so mentally I did the math and I divided by, I had about 16 inches to [00:02:00] stand within that space as be 21. Okay. Okay. Okay. I had a lot of energy in the moment and you also know me. That this is the way this is happening. I go and I part I'm B a clears through, I go done the math. I got my spot.
I'm there. So people start to. Peace in behind you and whatever. And this lady comes up and she gets right in front of me. And I've started to do the calculus. I'm like, this is, there's no like there, there's no room. And she was like Oh, what number are you? And I was like B 21. She was like, Oh, I'm B 23.
And she stands there. And I was like, I look, I'm not, but I'm like, not. Aggressively passive aggressively looking up to make a point to I'm just like, oh, no, and then she turns back around. She goes, ah, it doesn't matter. It's all the same. And I was like. Yeah, I was in this exact situation about six or seven years ago, like the exact thing.
And I was like, [00:03:00] yeah, numbers are a measurement. And I was like, I was so uncomfortable and I didn't want to get into a thing. But Dane, 21 and 23 aren't the same.
Damian Dunn: It only doesn't matter to the person who's trying to get over on the person who they're trying to take advantage of. It's just very clearly trying to.
Get something that she doesn't have and make you feel okay about it,
Peter Dunn: Kristen. I want to put you into this woman's situation. You are now the woman who believes that 23 and 21 are the same.
Kristen Ahlenius (2): Couldn't be me.
Peter Dunn: I know it couldn't be you. Could you pull that off? Would you do that? Or would you just go behind the 20?
Oh, okay. I'm too behind you. What would you do? Yeah.
Kristen Ahlenius: Are they really wrong or no? You're saying exactly the situation, you're not wrong. No, I, I don't, I'm not wrong. No, I'm saying that if someone was really in my seat, what would I do? Or in that situation, I tried to pull this off and it didn't work.
What [00:04:00] would I do
Peter Dunn: if I'm standing there? You ask me my number, I say I'm 21. You go, oh, I'm 23. It doesn't matter. And then you stay in front of me. Would you stay in front of me or would you go behind me?
Kristen Ahlenius: Oh, I would
Peter Dunn: go behind
Kristen Ahlenius: you.
Peter Dunn: Damn, you're right, you'd go behind right away.
Damian Dunn: A
Peter Dunn: hundred percent. Yeah. Then you kinda even had to ask the person behind that to see if you slotted in the right spot.
Damian Dunn: Yeah, confirm it.
Peter Dunn: It's easy. It was not a great start to the trip. It's not a great start to the trip. Anyway, I'm back. Didn't gamble a penny. Of course not. No. Kristen, would you have slammed a coin in the slot machine? Oh, for
Kristen Ahlenius (2): sure.
Peter Dunn: Yeah. Dame? No? Yes. Yeah. Yeah, I just, I think it was cause it was a work trip. I just was like, eh, any who here we go.
Let's do a radio. What are we talking about today? Okay, so last week on the show, we talked about that Trump's impact on the economy and the stock market going forward. And by the [00:05:00] way, in the last 168 hours, guess what's happened? We've been right again and again and again and again. And when RFK jr was named to be the head of H a whatever health and humans, HHS Moderna Pfizer stocks dip because just like we said, they would, and Evie credits are on the chopping block now so that Musk can wipe out his competitors.
We said that too and investment advice, not investment advice, none of this is Rick swing This week we're going to talk about your actual personal finances, not the investment. Like we're going to talk some taxes. We're going to talk consumer prices because that's what the kids want to do.
What else are we talking about?
Kristen Ahlenius: Conversations you have to have before you combine finances.
Peter Dunn: Can we start there? Are you and Dame combining finances? Yes. Deal. You and Dame are combining finances. I'm sorry.
Kristen Ahlenius (2): Deal.
Peter Dunn: Remember it's improv. Yes and. Oh yeah. [00:06:00] Yeah. I want to combine finances, not with Dame, but with Mrs.
Advice. That's who I want to combine finances with. Yes. And me too. With Dame, I want to combine finances with Mrs. Advice. Okay. So yeah, I think we could do two segments of that and then one of the personal finance situation there. Sure. For sure. Kristen, I should have asked you this in pre show. So you may have to tell me to shut my lip.
How transparent and open are we being on this combining finances in terms of our real lives? Oh, cause you're taking shots at me. No. I'm being quite the opposite today. I'm being sensitive to your situation.
Kristen Ahlenius: Oh, that's what I thought you were asking for permission to take shots at me.
Peter Dunn: Oh, that's no, I'm just like, no, I'm asking, are you going to talk about your life
Kristen Ahlenius: Oh, I can. Okay. Yeah, I feel like my situation's kind of unique.
Peter Dunn: Great. Dame? I'll talk about Kristen's life, sure. Yeah, sure. Okay. Okay, Kristen, that was out of, I was actually out of kindness this time.
Kristen Ahlenius: That's so [00:07:00] kind. Dame, I sent you the list, by the way.
Damian Dunn: I will look for that list.
Peter Dunn: Okay. Enough of you two yapping. Geez, Dame. Keep it easy. Take it easy, pal. I am at a hard out. So we got to get going. I should have said that much earlier because that means
Kristen Ahlenius: we talked about nothing for eight minutes and now you declare a hard out. I do have a hard out.
Peter Dunn: It's
Kristen Ahlenius: about
Peter Dunn: this podcast.
Oh, cool. Great. Remember I told you guys I was doing some things around the podcast. And we thought we were getting fired.
Damian Dunn: And you never gave us an update after we asked you for an update. It was great. There's been no update, but I might have an update today.
Peter Dunn: Oh in three, two, one. This week on the Pete, the planner show, we answer your money questions.
Here's how the show works. You email us askpeteatpetetheplanner. com that's askpeteatpetetheplanner. com. And here's what may happen. We may answer your question on the air. We may answer your question in a newspaper column or. It may simply sit there with the rest of my [00:08:00] Dick's Sporting Goods 20 percent off coupons.
Joining me, as always, is the queen of combining finances, Kristen Alenius. Kristen, hello. Hello. And the Duke of Dame Dunn. Hello. Really? Well done. Good day. Good. I hello to people on the live stream. You can always watch the live stream of this show. We record Fridays, 10 a. m. Eastern. Go to youtube.
com slash Pete the planner. You can watch the live stream. Hello to J. O. Jamison and Tom who just joined us on the Facebook stream, but don't go there. Go to YouTube. I don't know why I care about that. All right, guys on the show this week. And by guys, guy and gal, we are going to talk about combining finances, like what the do's and don'ts and what conversations you need to have.
And then I know we talked a lot last week about the election and the long term impact on the markets and the economy, but we're going to dip our toes slightly back in the water just to talk about [00:09:00] how will it impact our personal economies. And so we. Again, Kristen people occasionally will say, I like you and now it has turned into love.
I want to share my money problems with you. What, when people combine finances, how do they begin the conversation to say, yeah, this makes sense.
Kristen Ahlenius: Yeah, that's such a, that's such a big ask. And so we have this checklist of maybe conversations you should have, not all at once, conversations you should have before you truly decide to combine your finances.
And I thought we could start with what I feel is very like a softball, like here's a lob, but a lot of people don't do and don't know, which is, I know exactly how much my partner earns. Okay.
Peter Dunn: Yeah. Dame you and I are the, Oh how do I say old and out of touch? What should I use to say that?
Old and out of touch. [00:10:00] Okay, great. Kristen, a lot of these as Dame and I listen, I love this topic because we're putting this through the 2024 lens. Dame, I had this conversation with my partner in the late nineties. Okay. When did you have your conversation with your partner? Early two thousands.
Okay. So barely the internet existed. Barely. There was no doge coin.
Kristen Ahlenius (2): No.
Peter Dunn: AI was Alan Iverson. What's the original? That was pretty good. All yeah, I think we talked about income back
Damian Dunn: then. I didn't have any. Yeah, there wasn't any. I remember when Mrs. Advice got her first offer letter for her first real job.
So I knew exactly what the income was going to be at that point.
Peter Dunn: Yeah, I was a financial advisor with a massive variable income. And by massive, I mean it could have been zero. It could have been more than zero. And we lived on my [00:11:00] wife's 30, 000 a year teacher salary until I got my business going. So now everyone knows her salary.
Kristen, how does that play out? In the real world in 2024.
Kristen Ahlenius: I think it's different if you and you both just described scenarios where you launched your careers with this person. And yeah, you know how much money they make, but when you're, in your twenties and your late twenties, thirties, forties, they already are established in what they're doing likely. So then you have to have a conversation about how much money they make. It's totally different.
Peter Dunn: Do you go with okay, so now I'm hooked on this topic, by the way, I can do the whole show on this. Kristen. Okay. So can we talk about your situation?
Kristen Ahlenius (2): Yes.
Peter Dunn: Okay. You have a person in your life.
Kristen Ahlenius (2): Yeah.
Peter Dunn: Yeah. And yeah, you both have careers. And so have you guys talked about your incomes? Oh yeah. How [00:12:00] soon into we are paired off did you, is how did that, what is that, what the name is that when you're like these two, like M and M they're together, like how soon after that?
Or was it even before that? You're like. I make 700, 000. No,
Kristen Ahlenius: I didn't. I don't think I disclosed my income very quickly. I don't think he might feel differently, but I. I guess I am in a circle where income transparency is pretty high. Like I feel like I generally know what a lot of my friends make. Like I know what my sister makes and my best friend and him.
So I feel like it wasn't that weird. So just know how much money each other makes.
Damian Dunn: That's totally generational, by the way.
Peter Dunn: Oh my God. Yes.
I know what my friends make because I'm a carny and I can guess, like Dame and I are amazing. We've talked to thousands and thousands of people at their finances. [00:13:00] Dame and I can guess incomes better than just about anyone in this world. But other than that, I don't actually know what anybody makes.
Damian Dunn: Correct.
Kristen Ahlenius: Yeah, I know what a lot of my friends make. So you're saying if I
Peter Dunn: go out in the office here and I start talking to our colleagues especially the youngs like you, that they all know what their friends make?
Kristen Ahlenius: Yeah, I think that you would find that Gigi and Ellie, they probably know what their friends make.
Peter Dunn: Sheesh. Who knew? Dave, did you know that? No, I'm old. All right, Kristen, what's the next thing on the list and out of touch too, Damn. Kristen, what else is on the list of things that you should discuss other than income?
Kristen Ahlenius: So someone called it out in the YouTube live comments. So we will just go there right now, which is we each pulled our credit reports from annual credit report.
com and we reviewed them together. Nerd alert. Nerd alert. Hey, that's how you get the truth.
Peter Dunn: Wait, you made your man write off his credit report and you reviewed it?
Kristen Ahlenius: Okay, I have actually done that, but [00:14:00] you should do that before you combine finances with someone. What if they don't know what's on their credit report?
Damian Dunn: That's so romantic. He's never
Kristen Ahlenius: done that before.
Damian Dunn: So did you use it as a guise of, hey, you need to know how to do this because it's important and then Secretly you wanted to pull it just to see what kind of dumpster fire might be lingering Let's
Peter Dunn: try it carefully here cuz I do not want to let's scrutinize Kristen But I like I don't want to expose anything there with him I did not ask him and he's stronger than me.
Kristen Ahlenius: No. It was actually off the back of having a conversation of potentially buying a home and saying like, how does this like impact what we have going on? And me saying, do you actually know if there's anything out there? And he's no, but I don't have any debt. And I'm like, Do you know that your name has no debt?
And he's no. So we pulled his credit report.
Damian Dunn: Had he frozen his credit?
Kristen Ahlenius: No.
Damian Dunn: Was he impressed by you?
Kristen Ahlenius: No. [00:15:00] He's not impressed by you. He is, but not in this sense. Not about knowing annual credit report.
Peter Dunn: Man, just think if you guys weren't dating, you could put this on a dating profile online. That you could help people with their credit.
Kristen Ahlenius: Get no hits.
Peter Dunn: Alright, what's another thing that, Dame, I love this topic, I could do this for weeks.
Kristen Ahlenius: Okay, here's one that's a little more in your feelings, which is, we've discussed how money was handled in our childhood homes.
Peter Dunn: Dame, I feel like I did this in 1990s, did you do that back in the early 2000s?
The early 2000s?
Damian Dunn: What'd I say? Late? Nah.
Peter Dunn: Nah. Early. Early. Early.
Damian Dunn: We, I don't know if we explicitly talked about it, but we knew, wasn't something we hid from, but we understood the households that we grew up in and how things worked at that point.
Peter Dunn: Yeah.
Damian Dunn: We dated
Peter Dunn: for four years in college.
So she basically was part of our family for four years prior to combining finances. So she knew [00:16:00] vice versa. Love this topic. So here's what you're doing. If you just turn on your radio. Good news. We're going to commercial. And when we come back, what should you discuss with your partner right before you combine finances?
Kristen Alanius, our expert combiner of finances is the host today. I'm Pete, the planner, and this is the Pete, the planner show. Oh, this is a fun little ditty.
Kristen Ahlenius: I don't know if he's being sarcastic.
Peter Dunn: Who?
Kristen Ahlenius: You.
Peter Dunn: I love this topic.
Damian Dunn: Who is this? How can you
Peter Dunn: not
Damian Dunn: tell?
Peter Dunn: Really? You don't think? You know who is?
Okay, so people around the office from time to time will say, I can't tell if Pete's being serious or not. I have a reputation about that. Do you know who works with us? Who is more so that than me?
Molly
Peter Dunn: Alex.
Oh,
Peter Dunn: yeah. He's so funny and so dry. Like he said something the other day and I was like, really? And he's no.
And I'm like, Oh, of course not. Yeah. Don't explain the [00:17:00] joke. Okay, fine. I'm holding out a touch. He's climbing the, we have a lot of funny people here. He's climbed the ranks substantially.
Kristen Ahlenius: Oh, see, I've always thought he was really funny.
Peter Dunn: I did too, but I think, all right, what's top three funniest people at your Moneyline.
Kristen Ahlenius: Oh, everybody has such different kinds of humor.
Damian Dunn: I know. That's why it's fun. And it's tough because we don't get to interact with them the same way that you do. All right. I'm excluded by the way, cause I'm not looking for this. That's not
Peter Dunn: helpful. I'm excluded. There goes the easy one. Yeah. I'll give you my top three.
This is tough. In no particular order. Sure. Yeah. Okay. Molly Alex. The third one's Todd. Chad's pretty funny. I
Kristen Ahlenius: was going to say Chad. I think
Peter Dunn: I was too. Or what are your other two?
Kristen Ahlenius: Alex
Peter Dunn: and Molly. Yeah, there you go. There you go. If you ever want to come work at your money line, I think we've got [00:18:00] four or five positions out there right now.
Go to your money line. com slash careers. Is that the site? Is it? I don't think it is. Just go to your money line. com and look at careers and then you
Kristen Ahlenius: can work with me and Dame.
Damian Dunn: Yes, please come.
Peter Dunn: I had a one of my best friends send me an email this week that said, Hey, will you send me a copy of the book you wrote on student loans?
Cause my daughter's starting to look at college. And I'd like to read it. And I emailed him back. It's a terrible book. I don't wish it on my worst enemy. And then that's how I knew that maybe I'm not so proud of some of my past work. It's still out of date,
Damian Dunn: that's the issue is it's just old at this point.
It's
Peter Dunn: All right, let's get back to it in three. Back on the Pete the Planner show. Here's what we're doing today. Everyone calm down. Here's what it is. On the count of three. One, two, three. Combining finances with significant others. So far we've talked about talking about income. Kristen ran a credit report on her first date with her current partner.
Love interest. Why is current love [00:19:00] interest? Seems like you're going to move on soon. It really does. Doesn't it? Sorry. Okay. And then how household finances growing up, like what was going on with your parents were on a number four, Kristin helped Damon. I too old and out of touch men understand what is fourth on the list.
Kristen Ahlenius: Okay. So here's one that I don't. That I try really hard to when we're working with participants at your money line to get them to have a conversation about, which is what will you, your finances look like if someone has to take a step back, whether that's a sabbatical, whether that from an income perspective, maybe you have, you're going to expand your family.
Maybe someone has underlying mental health concerns and they say they need to take time away from work or reduce their stress load when it comes to work. How would your finances look if your income situation were different? And if that was as a result of one person's change in income.
Peter Dunn: Wow. I'm not being critical of this, [00:20:00] but that seems so in the weeds.
Kristen Ahlenius: I don't, the reason I don't think it is because so often we see the aftermath of this, which is, and I'll use the term. People having kids is the example is we have kids. We say, Hey, I don't want to. We don't want to put our kids in daycare, perhaps. So we're going to reduce our income or we're putting our kids in daycare and it's costing basically one of our incomes.
And so then what does that mean? Does the emotional weight of that look like in our relationship? If one person hasn't earned wage and one person doesn't and have you talked through that because money is a very loaded thing that can sometimes feel like it comes with power and you need to know who you plan to raise children with when it comes to this particular topic
Peter Dunn: game.
I don't know if your brain's going down the same path as mine here is. Kristen, knowing you and you're a dog [00:21:00] mom and how you think about those things, I wouldn't think this is one that you would glom on to. It's interesting for me. That's because Alicia came up with it. Okay. Okay.
Okay. Someone on a team with children.
Kristen Ahlenius (2): Correct.
Peter Dunn: Yeah.
Kristen Ahlenius (2): Yeah.
Peter Dunn: We thank Alicia for her service this week and our other veterans here at Your Money Line. Dane, what do you think about that one? I'm
Damian Dunn: on the fence about it. I think it's a great topic. I, But I just don't know. I feel like that's a an attached conversation to other conversations at that point for me.
I'm not sure if that's its own stand alone discussion
Peter Dunn: next up on the list.
Kristen Ahlenius: Let's go with. We've talked through whether we will have joint or separate bank accounts and how we will reach our financial goals, depending on which of those we choose. I think
Peter Dunn: I have so many, this could be [00:22:00] two segments in itself because to your point, your earliest point here, Kristen, which I think is the most important point, people getting married later than they did.
25 years ago. Correct. People aren't getting married at 22. People are getting married at 29, 32, so I think when you're starting out together, 50 percent of nothing is nothing, right? You have nothing. It's a little different when you get married later. Dame, do you think that has an impact on it?
Damian Dunn: I have talked to so many people in the last two weeks who have had this conversation and they've, I've encouraged them all. I said, there's no one right answer for this, by the way, whether you combine finance, whether you keep them separate and you have different accounts up to you. But I think the, I think you're exactly right, Pete, when you are starting from scratch, both of you.
The only thing you have your name is student loans in most cases that's a different discussion, but when you're established and you've got stuff and savings and all that other stuff, you better figure out how you're going to blend these things together. Who's going to do what who [00:23:00] for responsibility wise and where's the money going to come from to critical part of having a solid financial relationship.
Peter Dunn: Yeah. So Mrs. Planner and I started in that situation where we had the same account, but then over time, especially when she left teaching and she just runs our household. Oddly, we went to separate accounts when that happened, which kind of on the surface makes no sense because there's one income coming in that then gets split into two different accounts.
It's not her money and my money, but it's just the account she runs in the account I run and we split the bills like we are that account pay some account. I have primary access to does the others. And it works for us. And I used to be the guy who's if you don't trust your spouse with money, you don't trust your spouse.
One account's the only way to go. And I was hardcore that for a long time until I realized that just doesn't work for everybody, Chris.
Kristen Ahlenius: I [00:24:00] just, I can't imagine completely. Combining finances at 30 years old and not having a bank account that only I had access to I just personally can't imagine that So perhaps there's some underlying bias with this one.
Peter Dunn: Okay, so let's let's dig in here. So I Yeah, this is interesting. I don't carry around a debit card to the account that mrs Planner primarily operates. She does not carry around a debit card for the account I primarily Operate, but our primary spending at this point in our life all goes on a particular credit card, of which we both have a card.
And then I pay fully out of the account. I operate that credit card bill every 30 days. So does that work for you?
Kristen Ahlenius: Do you have access to the account that she primarily runs her debit card on?
Peter Dunn: Let's talk about what you mean by access, because I think, [00:25:00] do I have the online, do I have the password? Yes. Could I get in there and transfer money if I wanted to?
Sure.
Kristen Ahlenius: But is it her account? Are you, should you? My name's
Peter Dunn: on it. I think my name is primarily on it. I don't care for that. Why?
Kristen Ahlenius: Cause what if I, and I'm speaking like best practice in the things that we see personal finance wise is I just think that As adults, you should have access to money that no one else has access to.
I'm not saying there shouldn't be transparency around that, but what if you weren't a great guy? I'm not that great. She, what if she needed access to funds and you have the ability to take that money? That access away from her. I don't care.
Peter Dunn: That's you know what? That's a really great point. Like we're operating as though I'm not going to turn into a monster.
Kristen Ahlenius: Exactly.
Peter Dunn: And Dame, we've known each other a while. It's trending in that direction.[00:26:00]
That's a good point, Kristen.
Yeah.
Damian Dunn: Dame, how do you view this? I see the point. If I can take a step back and talk about your, the arrangement that you and Mrs. Planner have. Yeah. To me, it just seems like needless complexity. But yet it's easy. It's somehow it's easy. I
Peter Dunn: know i'm a weirdo.
Damian Dunn: It makes no sense whatsoever That's how I know that method is not right for me.
Now mrs. Advice may be listening to this thinking
Peter Dunn (2): Why don't
Damian Dunn: we try that? But so I don't know but for me, it just seems Crazy to do that. So if I circle back to Kristen's point, I, Kristen, I don't know how many people we've talked to over the years individually that have gone through situations where they need to have money that is theirs.
I totally get it. I would also say that can potentially be a [00:27:00] point of contention for somebody in a relationship as well. So whatever you decide to sit settle on like almost everything else in this topic, Communication, upfront honesty is paramount to success for whatever system you're putting up.
Peter Dunn: I think as we head to break here in 20 seconds or so Kristen, do we have enough meat on this bone to come back full on this? I don't know. I'll say this. No matter how weird your setup is, if it's working, fine. If it's not working, you need to switch. And this actually makes me want to go home tonight.
Oh, we got to go to break. I'll come back with this right after the break. I'm, will still be Pete the planner to give me. How many more bullet points do you have?
A lot.
Kristen Ahlenius: I do not.
Peter Dunn: You only highlighted, we haven't talked investments. We've not talked.
Kristen Ahlenius: I have one kind of like insurance [00:28:00] net worth, and surely you guys have ideas.
Peter Dunn: No, Kristen, I have no ideas. Oh, you've come to the wrong place, excuse me. All right, let's go back. Cause I got a hard out. Everybody has got a hard out in three, two, back on the Pete, the planner show talking, combining finances, the conversations you must have. You must have, if you don't have them, you've got to have with your people.
If you're going to combine finances with them, you're in a loving relationship. I love you. Let's go to Chili's. I'll buy the appetizer. You buy dessert. Those sorts of things. And so we've run through a long list and we are now to this point where I was making the point going to break from a banking perspective, a bank account perspective, there's a million ways to do it and there might just be a few ways that work for you and your lovely person.
But there's a lot of wrong ways for you and your lovely person to do it the way I do it. Dame just says it sounds ridiculous to him and that's fine because it actually works for us. [00:29:00] But I'm willing to do is to go home tonight or call her on the air right now and say, does it work free? You know what?
I will do that tonight. That's a good choice. No recording devices. I will just say, Hey, right before I leave the house, two minutes after I get home from work to drive to Detroit for a 12 year old soccer game, I will say to her, is this working logistically for you? No
Kristen Ahlenius (2): other context.
Peter Dunn: Oh no,
Damian Dunn: I meant money.
The rest is not. Call Kristen and I and put us on speaker phone so we can chime in as you want to
Peter Dunn: call her right now.
Damian Dunn: No, I don't. That'd be two weeks in a row.
Kristen Ahlenius (2): Do not do that to her.
Peter Dunn: Yeah, here's how we, here's how I view it. Do you feel like you don't have, let's say I get a pay increase. Okay, so I, we all get pay increases.
You get pay increase sometimes. Who, if we split the money into two different accounts. [00:30:00] How is the increase accounted for in those two accounts is a really important question in that scenario, right? One income, two accounts, let's see, you get a 200 a month raise. Where does the 200 net go? Does it go to the account that she manages, the account I manage?
I think that is a very fair question.
Kristen Ahlenius: And that's one of the logistics of all of this is something to have a conversation about, because who's going to manage the money that you're Overall, I don't think it's as common to do your practicing in your household where it's I managed some and I managed some I think a lot of people have this like all or nothing kind of mentality around this where it's I can't tell you how many people we talked to that wouldn't know how to log into their like household bank accounts or wouldn't know how to log into the bill pay accounts.
And so having a conversation about is this an okay thing? Is the person who's going to do the primary managing of the money really, and this lovingly, qualified to be [00:31:00] doing that? Do they make good financial decisions? And Is that really fair? Is it fair to put all of that household burden onto one person?
Peter Dunn: See, this is where maybe we're just weirdos because all the utilities, all those sorts of payments, she'll pay. Mortgage and financial instruments, I'll deal with. So it's, I don't
Damian Dunn: know, Dame, how do you guys feel like going to the bank? But I was, it's weird you bring this up because in my mind, I was thinking as Crystal was talking, how you divvy it up and where the money goes.
If somebody is responsible for paying most of the variable costs. In a relationship, their needs might change pretty drastically on how much money they need deposited into their account to be able to cover that. So you, there has to be a constant flow of communication, making sure that the needs are being met and it's not just accumulating somewhere or if somebody's got more than they need, then the other person is trying to scrape by with everything [00:32:00] else.
Yeah, absolutely. There's gotta be a, having separate accounts almost requires better communication than having one.
Peter Dunn: Isn't the one of the most practical aspects of this conversation, which is a really good conversation about what happens when things go wrong. Isn't that what this is about?
Kristen Ahlenius: Yeah. Or I think it's just when things change. Like, how do you anticipate that you'll come to the table when things change? Because we talked about OK, family expansion or job loss. Or what if what if grandma needs to move in with us? And what does that do to our personal finances?
I think it's about proactive communication about things that very realistically could happen that put a lot of strain on a relationship.
Peter Dunn: Yeah, this is interesting because let's go back to a one income household scenario just by the mechanics of retirement accounts.
You could do a spousal IRA or whatever, which is, [00:33:00] recommended, but the bulk of the assets are going to be under one person's social security number.
And that is not great. That is not great. That requires actual financial planning to circumnavigate the realities of that. What do you think? Go ahead, Kristen.
Kristen Ahlenius: I was gonna say, which is another conversation to have, particularly when we're talking about the fact that we are making lifelong commitments later and later collectively is where do you stand from a saving investment?
Retirement perspective.
Peter Dunn: None of us are gonna have the data to this next question. Dame, do you think since people are getting married later, those relationships are lasting longer?
Damian Dunn: That's a really good question. And nobody does have the data available at the moment. Although Kristen may be Googling furiously behind the scenes, but I don't, it's my assumption is no that in fact, I would guess that they [00:34:00] might not even last as long.
Because you're established and you're your own person and trying to blend lives at that point, you're less flexible and malleable. We're way out over our skis at this point. Clear speculation. That is not my lane, so take my word for what it's worth.
Peter Dunn: Okay, Kristen,
Damian Dunn: here's
Peter Dunn: a topic for you.
Okay. In this regard, pardon me to discuss. You talked about your family dynamics growing up. How about, at what point do you appropriately talk about What sort of money may be left from you from an estate perspective? Cause I could see people holding that one close to the vest, especially early.
Kristen Ahlenius: Yeah. Cause
Peter Dunn: I think you could combine finances way prior to saying, Oh, by the way, My family is generally multi generational.
Kristen Ahlenius: That's really interesting and I don't, it's clearly not a one size fits all conversation, but I, I think having some of the other conversations you're having can help you determine [00:35:00] when to have that subsequent conversation.
For example, let's say someone has multi generational wealth. And it's very secure in that. And as a result has put their money in other places that aren't traditional retirement accounts and feels very justified in that. There's no sense in having a conversation about why do we have retirement inequality?
If you're not going to open the door to, there's a very specific reason. And it's this.
Peter Dunn: Dave, let's say you and I are on a 10th date. And it's going very well. Can we roleplay for a moment? Oh, does Dame not have sound? Did we get mozzarella sticks? We did get and we are feeding them to each other. Okay, now listen.
Here's the important part about this. Aesthetically, out of 1 to 10, what am I, Dame? solids, eight, four and the but then you've got to take the rest of our financial lives at face value, right? You and our like most combined [00:36:00] finances, we'll get dogs like Rick and Gary and everything's going well.
But then when the baked Alaska comes out, which as we know is not only delicious, but filled with booze, And I get a little loose lippy and I say, my uncle Ned invented toilet paper and we've got multi generational wealth. I'm no longer a four. I'm a nine. I'm a nine. So I feel if you shoot that arrow too quickly, One, it will make you more attractive, but B, the relationship is then forced to evolve at an unnatural pace.
Am I not right?
Damian Dunn: I don't think people are that shallow.
Peter Dunn: What are you, Alex now? I can't tell whether you're serious or not. Kristen, right? That, you can't shoot that arrow too soon.
Kristen Ahlenius: Yeah, that's fair. And there's tells though, too. Like sometimes you don't know, but a lot of the time, before that anyway, I feel.
Yeah. Oh.
Peter Dunn: Really? [00:37:00] I don't know. I feel like I've encountered or like on the periphery have seen this play out and it's like a, the big reveal. Oh, by the way, I'm loaded.
Kristen Ahlenius: I'll tell you a story off the air.
Peter Dunn: Oh, coming up after the break, we're going to end the show early so I can hear that story.
Just kidding. We'll be back in just a moment with biggest waste of money of the week. It's a classic. And the moment the dame stars in the news right here on the Peter punch show, I'm Peter planner. Tell it now by the power invested as me as an employer,
Kristen Ahlenius (2): can I ask a
Peter Dunn: really dumb question that is. Just take it at face value, both of you, please.
Kristen Ahlenius (2): Yes.
Peter Dunn: The old, I signed your paycheck. Since we have digital pay stubs, we don't actually have a paycheck or anything that looks like a paycheck. So I don't actually sign anyone's paychecks.
No.
Peter Dunn: Does anyone get a life [00:38:00] check?
Can you get a life check? I'd have to be able to get a life. I
Kristen Ahlenius: think they have
Peter Dunn: to give you that up. And would my
Kristen Ahlenius: signature be on it? Or an authorized official? It's probably Oz's signature.
Peter Dunn: You can read it that way. Or Blake's.
Blake's pretty funny too. But he, yeah, he always is a responder.
Damian Dunn: He doesn't start. I don't, I feel like if Blake was trying to be funny and he wasn't, it'd get way too competitive and he'd press.
Peter Dunn: He's funny, but see, I work so close with them. Like it's again, to your guys's point of it's who you work close with.
And who's the funniest FG. There's the question. Who's our favorite. Who's our funniest financial guide.
Kristen Ahlenius (2): You're not funny.
That's not what we're here to do.
Peter Dunn: We're busy working. Yeah. Oh yeah. And I just tell them slappy jokes in the lobby. We don't have a lobby.
Kristen Ahlenius: No, our boss is [00:39:00] mean
Peter Dunn: she is I'm at you right not Molly
Fun everyone loves workplace banter. All right, Kristen. We're gonna say I got to hear
Damian Dunn: that story
Peter Dunn (2): Okay,
Damian Dunn: do you want to know what GPT's response was to the question people who get married later? Research suggests that people who marry later in life tend to have a lower risk of divorce compared to those who marry at a younger age.
This trend is often attributed to greater emotional maturity, financial stability, and self awareness gained with age, which can contribute to healthier and more stable marriages. However, the relationship between age at marriage and long term marital stability isn't absolute while marrying later is often associated with lower divorce rates.
Other factors like communication, compatibility, conflict resolution skills, shared values can also play in the longevity of a marriage.
Peter Dunn: By my math, [00:40:00] we've got about a six to seven minute margin right now before we have to start the next segment. So we, let me just say this. You could argue both sides of this pretty effectively be quite the debate because Mrs.
Planer and I broke go through lived experiences together. I was more attractive than and So there's that but then I love this emotional maturity thing is interesting The right age to get married. It's 43 if we're talking emotional maturity For you guys. But Dame, Dame, I want you to think about the evolution of you.
When do you feel like you were a fully evolved mammal? It wasn't in your 30s?
Damian Dunn: Dame was born I'm people telling me I was 42 when I was 18. So
Peter Dunn: yeah Maybe that maybe the issue of where I'm going there is it's being a parent That [00:41:00] ages you and matures you and it makes wise somebody that sorts of fall apart.
So if
Damian Dunn: this information from GPT is correct, of course it is guaranteed. Then why do so many second and third marriages fail?
Peter Dunn: What's the percentage of second marriages that fail? Ask chat GPT.
Damian Dunn: Right away, sir.
Peter Dunn: Kristen loves this topic. Yeah. Kristen, is there a housing update you got? Is that an off the air thing too?
Kristen Ahlenius (2): No, I'm going to look at a house tomorrow. I know. Is that the one
Peter Dunn: you sent a picture
Kristen Ahlenius (2): of?
Peter Dunn: Was that in Slack or text?
Text. Okay, I'm going to go back through and look. I have an update.
Damian Dunn: Okay. Call my ducks. Statistics indicate that second marriages have a higher likelihood of ending in divorce compared to first marriages. Approximately 60 percent of second marriages in the United States end in divorce, whereas rate for first time marriages is around 40 to 50.
Kristen Ahlenius: Isn't it [00:42:00] like 75 percent for third marriage?
Damian Dunn: No, I bet it goes, I bet it goes down. Goes up even higher. 70 percent for third marriage.
Peter Dunn (2): Jeez.
Peter Dunn: You want to tell us anything about the house?
Kristen Ahlenius: We will eventually have our own hay. So we could have sheep on the farm. We could go bale hay if you want.
Peter Dunn: Wait a second.
What? You will say, can you get the same wording that you just started with there? We will eventually be able to have our own hay. Is that what you said? What does that even mean?
Kristen Ahlenius: It means that cows. Eat too much grass and they trample the grass and they're hungry and you don't want them to only eat grain because one, it's expensive into there's debate about that.
And so you usually feed them. Hey, as well. And hey, is expensive and this property will have enough [00:43:00] space that we will be able to feed them. Potentially, we'll be able to bail our own hay.
Peter Dunn: I have a series of unbelievably noobish questions that I need to get out of my mouth, and I've got five minutes to do it.
I might not have
Kristen Ahlenius: the answers.
Damian Dunn: I really want to see Pete on a wagon chucking bale. Chucking
Peter Dunn: bale?
Kristen Ahlenius: They would be probably round bales, so he wouldn't have
Peter Dunn: to.
Kristen Ahlenius: Okay
I might not have the answers. I'm not the expert.
Peter Dunn: So I might ask a dumb question, but what's worse is you won't have a dumb answer. You won't have an answer to the dumb question. Perhaps. Do you plant hay? Yeah, but what is it? It's what?
Kristen Ahlenius: Is it wheat? Or alfalfa?
Damian Dunn: Game? Alfalfa. It's just stuff that grows and you cut and round up.
Oh,
Peter Dunn: so I'm not as dumb as I look here. What's hay? It's just stuff that grows. Not a great answer.
Kristen Ahlenius: There's different kinds. I don't know all the different types of it.
Peter Dunn: [00:44:00] Okay, so Did chat GPT when they invented it did anyone think someone's gonna put in what is? Hey, I'll sell my clover
Kristen Ahlenius: Yeah,
Damian Dunn: it just grows.
Kristen Ahlenius: It's like grass It looks like grass
Damian Dunn: and
Kristen Ahlenius: it gets really tall and then you cut it down and then you let it dry
Peter Dunn: Okay, but if it's grass and you said the cattle are trampling the grass won't be
Kristen Ahlenius: They wouldn't be on it while it grows. They would be in their own pasture and then you would have the alfalfa and then when you cut it, apparently that's what makes it hay, which I think is silly.
And then you rake it into piles and then you bale it.
Peter Dunn: We got two minutes left and I've got so many more questions.
Kristen Ahlenius: I probably don't know the answers.
Peter Dunn: So your cattle don't live on your property right now.
Kristen Ahlenius: No.
Peter Dunn: Okay.
Kristen Ahlenius: I live in a condo.
Peter Dunn: Okay. That feels like the HOA would not be happy. No. The H stands for heifer.
Dame, no smile at all? I'm smiling. You just can't tell I'm smiling. [00:45:00] Okay. Would you get more cattle if you got this property? Correct. Yes. How many had you got that right? That was good. How many had
Kristen Ahlenius: that was great? There's three cows right now and the goal would be to have eight cows. And then ideally each of them has a baby every year.
So maximum 16 at once. 16 head. Correct. All
Peter Dunn: right. Will you brand him?
Kristen Ahlenius: I'm not going to brand him. Director of branding. They will have ear tags though.
Peter Dunn: Oh my gosh. Can I ever, can I ride one of the cows?
Kristen Ahlenius: Maybe
Peter Dunn: Bella. She's sure. Yeah. Okay. We should probably do the radio show now.
Kristen Ahlenius (2): Probably. Yeah,
Peter Dunn: guys, my day. You feel free to look at my calendar.
It's just dumb. I just, cause I had to leave early. It's fine. Okay. Okay. I forgot. Here we go. In three, maybe two, one. This week's biggest waste of money of the week right here on the Pete the Punisher show is. [00:46:00] The Gucci pool table! All pool tables are luxury items. This version from Gucci is even more it has a contemporary design with a walnut frame, leather details, the brand signature GG Supreme canvas, and web stripe trim. And an accessories drawer. It comes with four cues in a custom bag, 16 pool balls with the interlocking G logo and a Gucci branded triangle crafted in the USA, not subject to tariffs.
The table is available on a made to order basis exclusively via Gucci's client advisors. Dame, do you want to go first or second? I'll let Kristen pick.
Kristen Ahlenius: Kristen, how much? This, Gucci bags are thousands of dollars. I can't even imagine this is 43, 000 That's a
Peter Dunn: spicy [00:47:00] meatball It's a hundred thousand dollar table 110, 000 American dollars.
Dame I Have an idea here Oh, and I'm going to, I'm going to give a statement. I want you to agree or disagree. And Kristen will give us the truth. Cause she's the only one that knows the truth.
Kristen Ahlenius (2): Oh boy.
Peter Dunn: I think Kristen knows her way around a pool table. Don't make a reaction, Kristen. Keep your face like that.
Dame, do you think Kristen is decent at billiards? No. I say she is. Kristen?
Kristen Ahlenius (2): I have my own pool stick. Oh!
Peter Dunn: Oh! Your stick! That's the greatest call of all time in the
Damian Dunn: history of this program. Just because she says she's good doesn't mean she's good.
Kristen Ahlenius: I didn't say I was good. I didn't say I was good. Look you guys.
Damian Dunn: See? She owns her own stick.
Kristen Ahlenius: I
Kristen Ahlenius (2): do. I'm not good. I'm not good. You have your own stick?
Damian Dunn: I have my own [00:48:00] cue. Yes.
Kristen Ahlenius (2): What the?
Kristen Ahlenius: Oh yeah, it's a cue, huh?
Peter Dunn: Dave, you have your own bowling ball, don't you? No. Kristen. I did. What is going on with your odd sport Ted? Or Damon? Your badminton racket. You got a badminton paddle?
No. Alright. Kristen, why do you have your own stick?
Kristen Ahlenius: So when my parents got divorced, my dad took the dining room table out of the kitchen and put a pool table instead. So we had a pool table in the house. Oh, that's good parenting
Peter Dunn: right there.
Kristen Ahlenius: Yeah. . And my dad's very good. Very good.
Peter Dunn: Rick Swink on YouTube live right now says he has a pool cue and four bowling balls because of course he does he's Rick Swink
Damian Dunn: Dan what's in the news this week?
I'm gonna start with a story that really doesn't have a direct application for us three because of the Part of the country we live in, but there are some numbers in this story that I am completely amazed by. So if you live in New York City, your [00:49:00] apartment, your next apartment move might be cheaper than your last.
Under a new bill passed this week, renters will no longer be on the hook for the multi thousand dollar Realtors Commission that in part makes NYC moving so expensive. The Fairness in Apartment Rental Expenses, that's FAIR if you're playing along at home, Act. Introduced by Gen Z council member Tyler Tyler will require NYC landlords to pay broker fees to brokers they've hired as soon as May.
That's how it already works in most U. S. cities, but in New York City, tenants have shouldered the fee for decades in the Big Apple. The median rent was this last year, 3500
Kristen Ahlenius: 3800
Damian Dunn: p. You're exactly right. 3500, 42, 000 for a 12 month lease per the guardian. The broker's fee tends to be this percent of a full year's rent.
Peter Dunn: I'm going 25%. [00:50:00]
Kristen Ahlenius (2): No, 10,
Damian Dunn: 10 to 15%. So 42 to 6, 300 on app for the average pad in New York, including the broker's fee, first month's rent and security deposit moving into a New York City rental this year required an average of 12, 951 upfront, 48 percent more than no fee moves, according to the online real estate service street easy.
That's nuts to
Peter Dunn: me. That's a big change. Realtors or
Damian Dunn: whatever, they're freaking out. Yeah, they're still going to get paid by the apartment. Complex, but criminy. That is a big shift.
Peter Dunn: Kristen, how many times a week do you think Dane says criminy?
Kristen Ahlenius: At least Four or five, right? I was gonna say, I would say on average probably once a day.
Peter Dunn: Yeah, he's a one day, one criminy a day sort of fella. Dane, what do you think? If you could be honest with yourself for a second.
Damian Dunn: Two or three. Usually only when I'm [00:51:00] around you people. I knew that was coming. Good. What else is in the news? Pete, I'm gonna read a two sentence story. It's up to you to come up with the joke.
Easy! Ready? Okay, I'm built for this. I know. This is my only life purpose. Ready? Okay. Klarna, the Swedish buy now pay later giant, filed IPO docs to go public in the U. S. It's currently valued around 15 billion dollars.
Peter Dunn: Or a million dollars a month for the next 36 months. There you go. Whatever you go.
Damian Dunn: That's the joke. I had three equal payments. Yeah, but I'm sure if we spent more time work shopping, it would could have
Peter Dunn: been better, but can I tell you where my brain went? Just I just so you know how jokes are made you said the Swedish. Yeah, I thought I'm going to make a joke out of Ikea Yeah, and so I was gonna be like Ikea pay it now, but I can pay it later but then
Damian Dunn: Yeah, you made an assumption.
You're wrong. You'll do better next time [00:52:00] A digital token inspired by a Shiba Inu dog. A dog meme is now worth more than the company that pioneered the assembly line. This week, Dogecoin continued its post election surge to become more valuable than 121 year old Ford. As of one point, Doge had a market cap of 55 and a half billion dollars compared to Ford's 44 billion.
What are we doing?
Kristen Ahlenius (2): Ask Doug,
Peter Dunn: Here's the thing, Doug is going to be on the show sooner rather than later.
I know.
Peter Dunn: I think Doug will be on the show by the end of the year. So Doug one of our co workers, was allowed to be on the show when Bitcoin equals, yeah, allowed. That's the only reason I'll ever be on the show.
At 100, 000 per Bitcoin, and I think it will happen by the end of the year.
Damian Dunn: Yeah, I do too. I do too. Amazon, struggling startup, launched its competitor to [00:53:00] Timu and Xian. Amazon haul, as the ultra discount storefront is called, offers a variety of products, including apparel, home goods, electronics, and more.
Priced at 20 bucks or less, the mobile only store is Amazon's response to upstarts. Shien, Timu, and TikTok Shop, which offer cheap goods shipped directly from China and have eaten away at its market share. But selling an iPhone case for 1. 79 comes with compromises. Amazon Haul says items will take one to two weeks to be delivered and shipping fees will be charged for orders under 25.
Pete, how many teen phones will Amazon Haul be on and then by the end of the year? All of them? Yeah.
Peter Dunn: Yeah. My, my kids both are really into, they've both got like teen debit cards. My daughters is like a real one. My sons is like a, he can't do anything unless I let him. But he loves trying to link it to these sorts of sites and seeing Hey, I bought a phone case for [00:54:00] four bucks.
He loves that. . And that's exactly what this is.
Peter Dunn (2): . Yeah.
Peter Dunn: Totally. That's genius because to, yeah. Dame, you're smart. What this did is it unlocked. The teen market. Yeah. That's what it did.
Damian Dunn: Totally. Cause what's who's what parents are going to routinely tell their kid? No, you can't spend four bucks.
I
Peter Dunn: mean me, but I know, but yes, wow. That's a full disclosure. I'm an Amazon shareholder.
Okay, that's it. That's it. So we, here's what we didn't do on the show this week. We didn't talk about personal finances related to the election results. Last week we talked about the economy and the markets at large, but we did talk about if you happen to find someone who you agree with politically and you want to share finances with them.
How to combine finances. And if you disagree with them, how to combine finances in a way that when you break up, everything is fine. Anyway, that's it must go. Kristen. Thank you. Dame. Thank you. [00:55:00] Everyone else. See you. Good vibes. Cause good vibes are all this in the budget. I'm Pete, the planner, and this is the Pete, the planner show.
Here's the wild thing. That last segment, the person I have a call with in two minutes, send me an email that said. I need to push the meeting or do it 10 minutes late. So I rushed the show.
Kristen Ahlenius: We didn't rush. It was still an hour. Nah, I felt rushed. We talked about, Hey, for six minutes, it was the
Peter Dunn: best part of the show.
Dame. I have a parenting question for you real quick. Your kids do things. Yes, swim and tread water and all those things. And inevitably, with any of those activities, is there like a club fundraiser that occurs?
Damian Dunn: If you mean parents going to work and creating income to pay the fees. Yes, there is.
There might be a fundraiser for one of the things potentially.
Peter Dunn: Yeah, so I've got like right now. I just [00:56:00] got an email that one of my children and one of their activities. They have to put together a list of emails and send it out to raise funds for this particular thing. And of course I get the emails and if people don't contribute then I just end up paying the money anyway But I don't really want to solicit my friends and family for this But they're required to give so many different email addresses.
So we pretty much just give like 15 of my email addresses And then I don't actually contribute to it because then the money is dispersed amongst all of us All of everyone versus and then I would have to pay the difference of my kid anyway, so I don't know. I don't know if you've ever been that situation, but you don't contribute to a large fundraiser because you're just have to end up paying more anyway for your kid.
Damian Dunn: There is a fundraiser now that I think about it. A swimathon at some point where they just swim back and forth in the pool. Child labor. I love it, but we always pay just because I [00:57:00] don't want to listen to somebody complain that we didn't.
Peter Dunn: Kristen, are you going to have us on FaceTime when you go through the house?
Kristen Ahlenius: Absolutely not.
Peter Dunn: What animal, I don't want to get ahead of ourselves here, and we did not jinx you, I'm sorry, but what animals would you have? Ducks. Two dogs. Ducks. Three
Kristen Ahlenius: dogs. We have three dogs. Chickens. Chickens freak me out. Ducks.
Peter Dunn: Ducks don't freak you out. Any geese? Canadian. They're going to poop all over your property.
They own it, actually.
any pigs?
Kristen Ahlenius: No. A donkey.
Peter Dunn: Goats?
Kristen Ahlenius: Goats.
Peter Dunn: Horse? Absolutely not. Llama? Cattle. You guys are going to have to disclose your income just to pay for all the feed.
Kristen Ahlenius: You're not wrong. Hopefully the cows can sustain the hobby animals. That's really my goal.
Peter Dunn: Daym, I'm going to start with this question directed to you, because it feels way too judgmental to ask Chris.
Okay. What's the [00:58:00] point of having all those animals?
Kristen Ahlenius: What's the point of a courtyard?
Peter Dunn: The same thing just literally is the construction of the home. There's no point. It's just I don't have a backyard I just have a side yard and I call it a courtyard Because I'm from Carmel.
Kristen Ahlenius: Not food, Rick.
Peter Dunn: Are you going to eat them?
Kristen Ahlenius (2): I'm
Kristen Ahlenius: not. What
Peter Dunn: the donkey tastes like, Dame?
Damian Dunn: There's a great joke that I can't say.
Peter Dunn: Let's in there. We got in there. I wish he would have just said it because don't say it now.
Oh, man, this is why you can still listen to the show with your kids. That's true. I like to [00:59:00] think some listeners listen with their kids because I know Jameson used to and some others do and oh, my gosh. That's amazing. Cassie said that made her day. Hey, I got one. I got one, everybody. Oh. Can you ask Cassie that accounting question, Dame?
Yeah. And then can Kristen and I back up? Oh, my gosh. All right, friends. Kristen, good luck. When are you going?
I don't know. Sometime tomorrow. On a Saturday? Is that when people look at houses? That's when people look at houses that aren't on the market. It's not on the market. Correct.
Peter Dunn: You sent me the address, right?
Correct. Yeah, I think you have a competitive bidder.
Kristen Ahlenius: Can you imagine? Pete bought a hobby farm.
Peter Dunn: What's a hobby farm? It's gonna bail hay. Okay, everyone, stay getting money.
