00:03
Peter Dunn
All right, picture this. You drive 7 hours to Germantown, Tennessee, which is suburb of Memphis. You arrive at near midnight on a Friday night, and before you know it, when you walk into the Holiday Inn Express in Germantown, Pennsylvania wait, hold on. Germantown, Tennessee. You realize that while there are soccer families at the hotel that you're staying at because yourself are a member of a soccer family for a soccer tournament, there is also a clown convention at your hotel. And that's how I started last week. And, ladies and gentlemen, welcome to the Pete the Planner show. I'm Pete the planner. Dame and Kristen join me, as always, aka. The Queen of financial education and Flashlight McGee, the pocket flashlight man. You guys have both seen pictures of the clown convention that I sent you. Shockingly nightmarish, right?
01:06
Damian Dunn
Do the two of you have a problem with clowns?
01:09
Peter Dunn
Yeah, we don't use the H word. Dame, I'm not fond of clowns. I do not like clowns. I often said to Sarah, when I die, which any day now, I want a closed casket, I want people looking at me. I want a clown in the back of the room making balloon animals. And she's like, but you hate clowns. And I'm like, yeah, but it's my final ha to everyone else. It's unbelievable. So, anyway, this clown convention here, we're in Germantown, Tennessee. There's clowns all over the hotel, mainly elderly clowns. Like, we're talking 75 and above, but there's some younger clowns, all men. There was a room, a hospitality room that they would go and just drink their masks off like they were just drinking. At one point in the morning, I go downstairs for a breakfast at, like, 06:00 a.m., there's a shirtless clown trying to break into the hospitality room because he forgot his key to get more to drink.
02:18
Peter Dunn
And the clowns were, like, in the lobby trying to talk to the kids. It was a nightmare.
02:22
Kristen Ahlenius
At what point does a clown turn into a hobo?
02:25
Peter Dunn
Well, there were some hobo clowns.
02:27
Kristen Ahlenius
Yeah.
02:28
Peter Dunn
By the way, Rochelle with the greeting of I think she's early running for listener of the year. Greetings, Kristen and company. Look, I'd be perfectly happy if this was called Kristen and Co. Yes. Kristen, did you see any clowns in the last 168 hours?
02:48
Damian Dunn
I did not know.
02:51
Peter Dunn
Yeah. Jacob gives the punchline here in Facebook live chat of one of the all time greatest jokes of clowns. Does this taste funny to you? But we will not tell the setup to that one. It's not good. Kristen, big show here today on the Pete the Planner Kristen and company experience.
03:12
Damian Dunn
It's always a big show, Pete.
03:14
Peter Dunn
It is when I learned the topic a minute before air. You guys, I have another big reveal I'm going to give between segment one and two that is a little bit shocking that neither of you know yet.
03:26
Kristen Ahlenius
Okay.
03:27
Peter Dunn
Hi, Jay. No, that's not there's some people here at our organization know this because of the last couple of days, but I will share some shocking information with you between segment one and two. So it's with that we probably should get started because this information is so shocking, you're going to want to hear it. And I will also note amazing fuel for both of you to make fun of me for quite some time.
03:53
Damian Dunn
Dave.
03:56
Peter Dunn
Dave. Just lit up.
03:58
Damian Dunn
Yeah.
04:00
Peter Dunn
All right. Now that's what I'm talking about. What's the first oh, got an email. Okay, that's the first segment. Let me set up. I'm in no big hurry today. Jeremiah, thank goodness. Okay, we have new Internet at our office as of yesterday. Somehow slower. Somehow slower. I don't know how that works.
04:28
Kristen Ahlenius
Good move.
04:29
Peter Dunn
I don't know. Okay, in three, two, one. This week on The Pete the Planner Show, we answer your money questions. You email us, askPete@petetheplanner.com that's. Ask Pete@petetheplanner.com and we will answer your email. Ask Pete@peterplanner.com and we will answer your email. We meaning Kristen Ahlenius, director of education at Your Money line, joins me as always, as does Damian Dunn, shining a light on personal finance. We meaning kristen Alanius, director of education at Your Moneyline, joins me as always, as does Damien Dunn, shining a light on personal finance. Dame. Hello.
05:00
Kristen Ahlenius
Pete.
05:01
Peter Dunn
Miscellaneous. Hello.
05:02
Damian Dunn
Hello.
05:03
Peter Dunn
All right, so here are the topics for today for the way I understand them. Number one, we are talking about a question about a 401K. Number two, we are talking about what are we doing?
05:15
Damian Dunn
Financial triage.
05:17
Peter Dunn
Financial triage. And then the third one, living a Carless lifestyle. Living a carless lifestyle. Let's start with the email. Dame, could you do the honors?
05:29
Kristen Ahlenius
I would love to. Dear Kristen and Company. What? Anyway, I work for a company that doesn't offer a match in their four hundred and one K, and I don't know if I should contribute there or do something else. The plan is with a regional bank and the expenses are high ish the investment options are limited, just like any 401K. But I'm motivated to save and don't know where I should put my money. Thanks.
05:55
Peter Dunn
This is a classic. And there's other versions of this one, by the way. Let's answer both versions. The first version is the one you heard. The second version is the match is only 3%. Should I put in more than 3%, which is another version of that? So, Kristen, I mean, the person addressed you and you are sort of a big deal. So where shall we begin?
06:16
Damian Dunn
Well, this person, you said there's variations of this question. There's also different types of people that ask this question. This person says they're motivated to save. So, yeah, go look for a Roth IRA or maybe a traditional IRA if you want to have a pre tax option. But if you're not motivated to save and you're not sure that you have the discipline to contribute to that IRA, even if the fees are higher, the 401K might be the better option.
06:44
Peter Dunn
That's interesting. Dame, for some reason, this morning. I forgot about the motivation factor that but I think Kristen's right. I think there's another element. This too is how much do you plan on contributing?
06:55
Kristen Ahlenius
Yeah.
06:56
Peter Dunn
If you contribute 100%, that would be a lot.
06:58
Kristen Ahlenius
Dan it depends on how much you make. If you are going to contribute more than whatever the IRA contribution limits are, which is, I believe, $6,500 this year, if I remember correctly, you're going to have to find something else to do. Whether you stuff as much as you can into an IRA or Roth, maybe go back to the 401K even though it's not your favorite. Maybe you start exploring other options. Maybe you've got an HSA that's available to you where you could really start putting some cash away. Or maybe you open up a non qualified brokerage account where you can make a regular automated contribution, where it's out of your hands and you don't have to worry about moving that money by yourself every month. I think that's the key that Kristen kind of hit back on. If you're not the type of person who is going to be all over this and you are going to make sure that happens regularly, you got to look into automation because you've already identified saving is something that you want to do.
07:56
Kristen Ahlenius
But if you're not going to be actively engaged in making sure you're hitting those goals, a little bit of automation goes a long way.
08:06
Peter Dunn
Yeah. Kristen the automation part is sort of hard to turn down. No, it is.
08:11
Damian Dunn
And it's tricky because automation has become easier and easier. So Dame and I talked about where we keep our emergency savings last week or the week before, maybe no one knows. And it's so easy to make those contributions, but it's so easy to go in. I think mine even used to give me an email the day before that was like, hey, just a reminder, your contribution is happening soon and it takes like three clicks to pause that month's contribution. So pros and cons to that accessibility.
08:45
Peter Dunn
Yeah. Longtime listener of the show, Andy I said longtime to make myself feel well. But Andy is a regular listener to the show. She points out on Facebook Live as we stream every Friday 10:00 a.m Eastern on Facebook Live. As we record the show, she says, do you ask and by the way, Andy is a financial expert. Right. So I think she's asking this just to help us stir up the conversation. She knows the answer to this. Do you ask about an emergency fund and or debt reduction before going straight to retirement? I think that's a really great question, especially for a 25 year old, which I think this emailer was somewhere in that range. Dame, how do you address that? It's a great question. Which came first, the emergency fund or the retirement? Yeah.
09:26
Kristen Ahlenius
There's got to be some level of stability built into someone's financial life and that's going to look at emergency funds, maybe any outstanding debts. Let's make sure we're clear in the decks that we're not going to get ourselves into a bigger issue down the line, even though we've got a great goal of saving for retirement up front. And sometimes it's really easy to be motivated to get behind that goal and maybe turn a blind eye to the other stuff. But there is, in general, a nice order to follow when you're setting up your financial life, which we might actually get into in the next segment.
10:01
Peter Dunn
Yeah. Okay, so I want to talk about this for a second. Let's say 22 year old just starting out of college or whatever, $50,000 a year job. They're going to commit 10% of their income towards doing a good thing. Okay. Let's also say they've got no money in their emergency fund, so let's talk about their first paycheck, in my opinion, which feels less valid as time goes by. Not to sidetrack myself on a sidetrack, but never mind. I got to think that first paycheck, you got to at least do the match of your employer, which is unlikely to be 10%. It's going to be probably three or 6% or something like that. And then the remainder of that 10%, you're allocating theoretically could go towards your emergency fund until it's full, or at least get $1,000, then go back and try to get to that twelve to 15% level.
11:07
Peter Dunn
No. Kristen, what do you do?
11:10
Damian Dunn
I think that's so hard because it can be dangerous to not start out at that higher contribution level and say, well, I'm making 50 now. When I make 60, then I'll do it, or When I make 65, then I'll do it. And Damien and I were talking a few weeks ago about one of the best pieces of financial advice that were ever given. And it doesn't work for everyone, but one of the best pieces of financial advice that I was ever given was right before I started my first job out of college. One of my professors said, contribute what you want to contribute as a percentage to retirement, because you've never had it and you'll never miss it. And I started doing that almost out of the gate, and I don't think that I would have been as successful in my approach to where I want to be from a retirement contribution perspective if I hadn't started out that way.
12:06
Peter Dunn
Well, Dame, real quick, you've heard me say before, my biggest regrets are 22 to 28 where I didn't take the advice of the professor.
12:15
Kristen Ahlenius
Dame, full disclosure, kristen was in a college program that focused on finances, so it's easier to make that sort of statement to a group who's already focused on money. If you're talking to almost any other department in the campus, you're probably going to have to give a little bit more specific instruction to it, because how much do I want to contribute to retirement when I'm 22? Nothing. I've got stuff to do. I've got student loans. I've got all this other stuff that's going to consume my money. It was easy advice for your professor, but it maybe needs a little bit more sharp of a point on it for most people.
12:55
Peter Dunn
Can I give the piece of advice I really wanted to give about the 22 year old starting out their financial life? That's really out of touch and that if we've got the wrong 22 year old listening, we're going to get a bad Itune review.
13:06
Damian Dunn
Excellent.
13:08
Peter Dunn
At some level you could consider just putting all 10% into your four hundred and one K and then dipping into the gig economy for three months to fund that emergency fund and then dropping back out of the gig economy in the form of DoorDash or Uber or something like that. How out of touch is that versus how practical is that?
13:29
Damian Dunn
I don't want to answer that question.
13:32
Peter Dunn
Well, Dame, you're an old curmudgeon like me. Who's more of a curmudgeon, you or me? We sort of have different curmudgeonly ways.
13:40
Kristen Ahlenius
Yeah. We pair really nicely with each other on. We make a total curmudgeon together.
13:45
Peter Dunn
Who are the muppets guys up in the balcony?
13:47
Kristen Ahlenius
Wilford. And.
13:50
Peter Dunn
Coming up after the break, two cremudgeons and a lady right here on the Pete the Planner show. Two curmudgeons and a lady is a good name for a show.
13:59
Damian Dunn
No, I was saying that recall from an old show. That's what you said their names were the last time we talked about them.
14:06
Kristen Ahlenius
Yeah, Statler and Waldorf.
14:08
Damian Dunn
Andrea knew. Of course she knew.
14:10
Peter Dunn
Yeah.
14:10
Kristen Ahlenius
Oh, yeah. There it is.
14:12
Peter Dunn
You guys, I'm in a situation here right now that I find myself in a lot on this show. I glanced at my email inbox and there's an email I really want to open, but if I open it, I'm done for the rest of the show, I won't be able to concentrate. But I really want to open it.
14:32
Kristen Ahlenius
Wait until the last segment.
14:35
Peter Dunn
I don't know. I really want to open it, but I'm telling you, it would be amongst the most distracting emails I've ever opened. So I'm not going to do it.
14:45
Kristen Ahlenius
I appreciate that.
14:47
Peter Dunn
I don't think all right, are you ready for me to tell myself a little bit now? I just want to admit this is going to come off like a humble brag, but it's not meant to be. It's an awkward situation. I have an awkward situation I need to share.
15:06
Kristen Ahlenius
Please do.
15:08
Peter Dunn
So I'm sitting in my basement with COVID two weeks ago, watching Yellowstone, the entire series, basically a cowboy at that point. I mean, I was wrangling pillows in my basement. I had steer roped our furnace. It was very impressive. And I received a text message from a friend of mine who is the editor of a magazine, okay? And she says to me, hey, we're doing a money issue can I interview? Okay. Not a big deal. Not a big deal. Because yeah, Kristen does all three of us have done that, right? Yeah, not a big deal. And she said, but as part of it, we would shoot you for the COVID And I was, oh, and there's another piece of information I need to share with you here. That is why this is a weird thing. It's a fashion magazine.
16:05
Damian Dunn
I knew it.
16:09
Peter Dunn
So I am going this afternoon to be a cover model of fashion magazine on Money, and for about 48 hours. I don't know what I'm going to do with my face during this shoot. So if it's like a business magazine, I can look like fashion magazine. So I don't know what to do with my face now. Kristen's a bit of a fashionista. We know this. We've seen her headshots. Inverse turtleneck. They said here they get they're like, bring three outfits, wear whatever you want that feels like represents your brand or whatever. And so, Dame, you've known me for five years and you have a sense of me before that. Previously on this show or whatever, I would go and I'd be suited up and I'd try to be like, oh, I'm not there mentally right now. It's also a fashion magazine. If you buy a fashion magazine, do you want to see a weird bald man in a suit on the fashion?
17:11
Peter Dunn
So I'm like, I'm not going that direction. I'm wearing my puffin sweatshirt. I'm wearing this for the podcasters. I am wearing my Puffin it's Hoodie Friday here at your Money line. I'm wearing my it's a declutter. I don't know what this is. It's I want to declutage. That's the wrong word. The puffin doesn't have cleavage. I'm just, like, wearing, like I don't know. I'm so uncomfortable. I couldn't say I mean, I could have said no, but she's a friend, and you guys are going to get this photo and mock me, I feel.
17:52
Kristen Ahlenius
What's the circulation of this magazine?
17:58
Peter Dunn
It's a pretty prominent fashion magazine in the Midwest. At least it's got a pretty good footprint.
18:04
Kristen Ahlenius
I don't know. What are your other two outfits?
18:07
Damian Dunn
You're taking a black turtleneck?
18:09
Peter Dunn
No, I'm not. Like an off white sweatshirt. It sort of looks all right. And then, like, a black button down casual shirt and jeans. And then dude, I'm so uncomfortable.
18:26
Kristen Ahlenius
Have you run these options by this person?
18:30
Peter Dunn
No.
18:31
Damian Dunn
She said bring three.
18:32
Peter Dunn
She said bring three. And she's like, whatever. I'm like, well, whatever I can get down with. Now, here's the thing. I told my daughter about this a couple of days ago, and she is mocking me incessantly and has now got her friend group mocking me. And then I hadn't told Mrs. Planner until last night, and she just busted out laughing and mocked me. Rick Swink makes up a really good point here. No fashion I i didn't wear any fashion camo, but I thought about it. It just wasn't clean. I hadn't done the so anyway, I'm a fashion model.
19:15
Damian Dunn
Right on. Added to the resume.
19:17
Peter Dunn
Honestly, Sarah, I'm with you there. So wait a second. Kristen. I want you to think about our organization that we all collectively work for. Don't know. HR. Is not in the room with me right now. So she's alf skeen. We have an incredibly large amount of very attractive people on our team. I am not one of them. The idea that I'm the COVID model is in itself disconcerting. I got a top five list of who it should be here.
19:54
Kristen Ahlenius
Other than know I just creeped your calendar and found the name do not yes.
20:02
Peter Dunn
Don't calendar snoop. I am the biggest calendar snoop here.
20:07
Kristen Ahlenius
All I'm going to say is you're going to be okay. I'm looking at some of the other folks they've featured on the COVID previously, the wardrobes and you're going to be okay.
20:17
Damian Dunn
Damien, are you sure you don't have anxiety? Because that was anxiety girly move. Okay, let me look at the other series that they've done. That's what I would have done. Immediately.
20:30
Peter Dunn
I tried to convince my daughter last night that it's the body paint issue and they were just going to body I was going to be rude and they were going to body paint me. And she freaked out.
20:42
Kristen Ahlenius
Well, they heard I'm a soccer coach. Used to be an athlete.
20:48
Peter Dunn
Used to be is pretty strong. All right, that's enough of that. Oh, lord. All right. Financial triage, right?
20:56
Damian Dunn
Deal.
20:57
Peter Dunn
Okay, let's do it.
20:58
Kristen Ahlenius
This is Kristen's Bag.
21:00
Peter Dunn
Yeah. All right, good. I cannot work. I can just read email. Three, two, one. Back on the Pete the planner show. From time to time, life kicks you in the neck. I don't know what that means. Sometimes your financial life gets wonky. Like something really bad goes on. You lose your job. You have an unexpected bill. You show up at a hotel. There's a clown convention. You need to book another hotel, whatever. And so you may find yourself in the need of triage, financial triage. And so that's a thing. You need a strategy because we're all going to be there at some point in time, unfortunately. So to help us understand how you get your head around financial triage, we have the one and only Damien Dunn to introduce the one and only Kristen Alanius. Damien, take it away.
21:47
Kristen Ahlenius
You know, every once in a while, life kicks you in the neck.
21:55
Peter Dunn
Yeah, that was funny.
21:56
Damian Dunn
That was very good.
21:59
Kristen Ahlenius
Kristen, tell us a little bit about financial triage.
22:02
Damian Dunn
Well, we talk about financial triage time to time. Get it together. I'm trying to do a show here. We talk about financial triage around here from time to time. But I wanted to kind of take the approach of kind of like the emailer that we talked about in the first segment of if you're setting up your financial life technically, you're triaging those dollars, too. We just don't tend to think about it that way. So that's kind of what I wanted to walk through, is if we're setting up financial stability, where do those dollars go? How do we prioritize them, triage them to set up for short, intermediate, and long term stability?
22:42
Peter Dunn
All right, well, let's have at it. What do I need to throw at you? Just the microphone?
22:46
Damian Dunn
No. Well, I kind of have a hierarchy, and I would like some pushback. If the two of you don't necessarily agree with it.
22:55
Peter Dunn
Well, Damien and I have always been known for our reluctance to push back on you, so this might be a tough segment, but go right ahead.
23:01
Damian Dunn
It'll be good for me. Just be nice. Don't hurt my feelings too much. So I think first things first is you have to be contributing retirement, at least to the match, which we kind of talked about. And there's also a caveat here that you also have to be current on your outstanding obligations. You have to pay your bills on time and things like that. But assuming that you're doing both of those things, I think the next thing is we talked about this a few weeks ago, which is the being an adult is expensive. So here's some money to fund me. The start of your emergency fund. I think that's the first thing.
23:32
Peter Dunn
Well, Dame, I don't know if I want to push back, but I want to explore the two constants or whatever you said. So the first one is you always have to hit the match to start, even in crisis. Absolute crisis.
23:47
Damian Dunn
No, we're setting ourselves up for stability. And ideally, you unknowingly kind of have some stability, because if you're in crisis, we're talking about a whole different level of triage.
24:02
Peter Dunn
Okay, got it. Yeah.
24:04
Kristen Ahlenius
I think that's one of the confusing parts about when we say the word triage your life, you immediately think something's seriously wrong. We're in a crisis mode. That's not the case in this situation. We are just trying to give you an order, a chassis to follow, if you will, of where your dollars should be going.
24:24
Peter Dunn
Is that right, Kristen? Yeah. You had a confused look on your face. I didn't know if it was that or metaphor.
24:31
Damian Dunn
I didn't really follow, but that's okay.
24:33
Kristen Ahlenius
Surprised? I made a good point. It's okay.
24:36
Peter Dunn
All right, Kristen, continue. I'm just going to be a listener at this point.
24:39
Damian Dunn
Okay. So you have to start with some level of emergency fund so that if there's an emergency, we're not relying on debt. For me, the next thing is high interest rate debt. So if you have credit card debt, some other unsecured like obligation, a personal loan that you've taken to consolidate credit card debt, I think that's the next place.
25:00
Kristen Ahlenius
Yeah, we've got some very important needs that need to be addressed there, and oftentimes it's going to be that debt that sits there and is outstanding and if we can get our hands around that's going to start creating margin for us in other areas of our life.
25:19
Peter Dunn
I'd love to explore what are some examples of high interest rate debt. And I don't mean like well there's 27%. I don't mean that. I mean it's all relative. We generally are not talking federal student loans. We could be talking some private student loans. We could be talking buy here, pay here, car lot, car loans and we could obviously be talking about credit card that are very expensive. Am I missing anything? Or circumventing? Any ideas?
25:55
Damian Dunn
No, I don't think so. The only one, and I kind of mentioned it was if you have a personal loan is probably double digit interest rate.
26:04
Peter Dunn
I don't think we have to say this, but I'm going to say it anyway. And of course payday loans if you have happened to go down that rat trap. No offense. Yes offense.
26:14
Damian Dunn
Yes. And then this is where if we're looking at these debts, something that I don't think that we explicitly talk about all the time and I don't hear other people talking about it a lot, is kind of the exception. To this rule for me is if you have a debt with a really large monthly payment that's nearly paid off, I actually would prefer you to look there. So the average car payment now for a new car is like $700. So if your car is nearly paid off and that's taking up a large chunk of your monthly income, okay, your interest rate might be six or 7%. But if it's taking up that much of your monthly income and we can get you that breathing room, we can free that margin, that might be where I suggest you start.
27:01
Peter Dunn
Yeah. Dame. That seems more art than science. No.
27:05
Kristen Ahlenius
There's a number of different ways to attack getting rid of debt and we are a big fan of the momentum method where you're going to order all of your debts and you're going to work on the ones with the smallest balances first and keep rolling from one to the next to the next. It's not the most cost effective way or it's not always the most cost effective way to do that because we are ignoring the interest rates. So that's one way that you can pay off your debts. We know it's effective psychologically. It helps you get the ball rolling and get a couple quick wins and keep the thing moving forward. But there are strategic ways or artful ways if you go with the Peter Dunn route of being a little bit more tactical with your debt repayments. And if as Kristen said, you are really close to paying off one, that's going to free up a whole bunch of cash and help you either move on to another goal or pay off other debts faster because now you have more money in your bank account to dedicate to that every month?
28:08
Kristen Ahlenius
Absolutely. If you don't know how to do it and you need a way to start, go with one of the tried and true, whether it's momentum, method or highest interest rate first, whatever that is. But if you can look at everything, organize it, lay it out and say, you know what? I'm really close to getting that paid off, and that could be a huge benefit for me in a couple different areas of my life. Don't be afraid to set up your own plan. Just stick to it. That's the key.
28:32
Peter Dunn
Kristen. At the risk of hijacking your segment, another thing I just thought of when you said that dame is let's say that you are in public service. You're an educator, you're a nurse or a doctor at a nonprofit healthcare institution, and you are on the cusp of your 120 payments. Or you have been on the cusp of your 120 payments. And during this period of time since March of 2020, in which there's been a 0% interest rate on your student loans and you have not been required to make a payment, the art would have said, don't make a payment. Do not make a payment during that time frame because all of this payment free period, each one of those periods, each one of those months counts towards your 120 payments, even though you haven't had to make a payment. So that's another example of, well, let's say your student loan was the highest interest rate, and so you paid on it.
29:27
Peter Dunn
Or let's say your student loan was your only debt, so you paid on it. Or let's say your student loan was the lowest balance debt, so you paid on it. In all three scenarios under what I just said, you shouldn't have been paying anything strategically because of the art of how this works. Kristen people hopefully had figured this out, but I don't feel like that's a majority factor.
29:46
Damian Dunn
I don't think so either, because the program is so confusing that there probably wasn't enough clarity in that space.
29:53
Peter Dunn
That makes me sad because I feel like I have this dumb theory that isn't founded in anything. There are two financial breaks a person catches each year, right? You just catch a break. Generally about two. This is like a third one. This whole student loan forgiveness thing in relation to nonprofit, this period of time, it's 36 payments. More than 36 payments will have been credited without needing to make a payment. That's nuts.
30:26
Damian Dunn
It's a huge leap towards your 120. Yeah.
30:29
Peter Dunn
And that's all we have time for this segment. So coming up after the break, more on financial triage. I'm Pete the planner. Blew by that by sorry. No, it was Mr. Flappy Gums here.
30:41
Damian Dunn
You kind of, like, stopped, and I was like, Am I supposed to say something? I think we're at the Post.
30:44
Peter Dunn
Oh, my Lord. I am out of practice. Can I share another brief story from my trip to Memphis? That was incredible.
30:54
Kristen Ahlenius
Is it embarrassing?
30:55
Peter Dunn
No, it's last night at dinner, we as a family hadn't talked in a week, it seemed like, because we've had a little bit of chaos. And so we actually sat down and said, what was your favorite part of the past weekend? And here's mine. So I went to a place I've always wanted to go. It's the National Civil Rights Museum in downtown Memphis. And it's formed in the Lorraine Motel or Hotel, I believe where Dr. Martin Luther King, Jr. Was assassinated. Right outside Room 306. And so they've turned the entire place and built around it, recreated the look of it. But then it's this black history museum, civil rights museum, and it is unbelievable. It is one of the finest museums I've ever been to. Now, how did we get there? As a soccer team from Indiana. One of the kids on my son's team.
31:50
Peter Dunn
His father is the head of African American Studies at IU University, and so he's the department chair. So he set it up. He's contributed his museum. He's one of the foremost experts on the Panther Party. So I'm walking around the museum with him at various times, and he is taking me to church. And I love expertise. I love the passion of expertise. Right. And it was just amazing. I learned a lot. I can share some of those stories maybe later with you all individually, if you're so interested, but there were some pretty remarkable things. But imagine being with one of the world's foremost experts in some of the topics at a museum, and you're talking about those topics. It was pretty wild.
32:36
Damian Dunn
That's cool.
32:37
Kristen Ahlenius
That had been an amazing experience. I'm sure it was.
32:40
Peter Dunn
It was really cool. The boys did they're all ten year old boys. I mean, they get a little squirrely, but that worked out pretty well. But it was a pretty powerful place. And then, of course, went to Bass Pro inside of the pyramid there in Memphis, which yeah, that was fun, too.
32:59
Kristen Ahlenius
Yeah.
33:00
Peter Dunn
Okay. Nothing like the Civil Rights museum. And then Bass pro.
33:04
Kristen Ahlenius
Yeah.
33:05
Peter Dunn
Makes sense. Okay, we ready for what are we doing here, Christian? Is there more meat on that bone?
33:13
Damian Dunn
I mean, there is, but I kind of want to do the transportation thing.
33:17
Peter Dunn
We can punt till next week, or we can do you know what? This is Kristen and Co. What are we doing? Your call.
33:22
Damian Dunn
I want to do the transportation thing. I thought it was a good idea.
33:25
Peter Dunn
Boss says it dame.
33:27
Kristen Ahlenius
There we go.
33:28
Peter Dunn
Okay. Oh, my job. Three, two, one. Back on the Pizza Planner show. I daydream. I daydream of having hair, being taller, being fun, but mostly when I daydream financially, I daydream about this life I'm living that doesn't involve a car. I don't know. I'm not an eco warrior. I'm not overly concerned about the planet. Although I am concerned but I have this dream of living a car free lifestyle. Maybe it's because my favorite city to be in is in New York City in Manhattan and I enjoy that as a tourist. Maybe there's some practicality in not owning a car. And I brought up this topic to Kristen who is the host of Kristen and Company, the name of the show, and to Dame. And we thought, yeah, let's explore that. Now, dame, your view of driving and my view of driving to begin are very different because you are what a person might call a car guy.
34:33
Peter Dunn
You enjoy a good old fashioned drive. So maybe let's start there.
34:37
Kristen Ahlenius
Yeah, I like driving. I grew up driving all over the place with my dad. Got a lot of fond memories of that. I'm starting to do the same with my son. We're going on a couple of trips this summer where we're just going to big group and doing some great driving stuff. So when I think about driving, yes, there is a practical side to it and it gets you from where you are to where you need to be. And being in rural Midwest, it's pretty necessary because we can't just walk to the corner store. I guess we could, but we'd be in great shape if we did. But there's a very practical component to transportation. But in my personal view, I really like driving. I would rather drive on vacation than fly in most cases. So the fact when I go on vacation or I go away for business and I'm stuck in a major metropolitan area, I hate driving in those places because I can't just get out and drive if I want to.
35:41
Kristen Ahlenius
It reduces it to that very practical A to B sense. So living a carless existence for me is hard for me to imagine. It's not something I would desire to do. But I will give you the caveat, Pete, that you see these idyllic pictures of little villages in Europe that have been there for hundreds and hundreds of years. I could get down with that for a while where you just wake up and walk around town and get what you need and go about your business. That does have some appeal to me. But in general, give me a big thirsty V eight and I can go drive for a couple of hours.
36:20
Peter Dunn
I love it. But Kristen, before I pull you into this, or shall I say drag you into this, Dave, can I ask a couple of clarifying? You and I again, the fun part of this show for you and me is you and I share a lot of sensibility. I can't understand what you're talking about here. When you talk about just go for a drive, is speed involved? Is like hot cornering going on? Are you breaking hard? What is happening? That is like going for a drive. I say that with respect. I just don't understand that would be.
36:53
Kristen Ahlenius
Illegal and dangerous, and I would never do those things on public roads. But you just go out and enjoy. I enjoy all of those things. And a couple of the trips this summer may or may not include doing that on very beautiful roads, and I'm looking forward to it. So, yeah, sometimes it's just get out cruise, enjoy the sunshine coming through the windshield or whatever you've got. And sometimes it's, hey, let's go have some fun and go through a quarter tank of gas in 30 minutes and go from there.
37:27
Peter Dunn
Okay, man, I'm hijacking this segment, too. Dame I got more questions.
37:33
Kristen Ahlenius
Let me have them.
37:34
Peter Dunn
Maybe this is an off their conversation. I asked all these with respect. I just don't understand. Okay, so are you, like, at ten and two, or are you palming the wheel? You're listening to music. Are you talking to your kids about the birds and the bee? What do you do?
37:55
Kristen Ahlenius
It depends on kind of the focus of the drive. If you're out just cruising, you have one hand on the wheel, you might have them down, like, at five and eight, just kind of cruising along. You never done that.
38:11
Peter Dunn
I don't know what's happening.
38:15
Kristen Ahlenius
If I put you in the car that I was driving, it would make more sense. But every once in a while, your focus, the music is turned way down, and you are hauling, and you're focusing on doing what you need to do to have as much fun as possible.
38:30
Peter Dunn
All right, Kristen, let's drag you into this a Carless lifestyle. Does it appeal to you?
38:36
Damian Dunn
It absolutely appeals to me because nothing about time spent on transportation appeals to me. I don't commute now. My commute is literally 16 seconds, and that's ideal for me. I don't want to be in the car. One, I get car sick. So that's like a whole nother thing. But I just view the whole thing as kind of respectfully. Damien, I view the whole thing as kind of a waste of time.
39:04
Peter Dunn
Here's my thing. I did write a column in the Indianapolis Business Journal last week in their Downtown Indianapolis issue about my regrets of not living downtown when I was young and had no people to drive to Memphis to. A clown. Like, for me, it's like, wake up, go for a run, shower. Sorry about the imagery. Go to a coffee shop and then walk or bike to work. And then you're grocery shopping downtown and you're walking and you're pushing a cart or something. You're going to eat downtown. If you need to go somewhere, you either Uber or maybe do, like, the electric rent a car thing. I just like this idea of a tight footprint that is walkable.
39:48
Kristen Ahlenius
If I lived in a place where traffic was horrible or at least much more than what I experienced, or it took me a long time. If it took me 45 minutes to get out into the country or somewhere where I could actually drive, I would probably have a view much similar to what yours is, Pete. But now it's just so accessible. And it's what I grew up doing with my dad. It's something that I enjoy and will probably look forward to doing as long as my kids will let me have the keys when I get older.
40:17
Peter Dunn
I have a slightly unfair question I'm going to ask Dame. That does seem very judgmental when you're driving. Do you woo? Are you like woo? Do you do any of that?
40:29
Kristen Ahlenius
Louise, it's not the Duke brothers, okay?
40:31
Peter Dunn
I just had to ask. Sorry. Kristen there's a financial side to this, too. If 15% of your budget is set up.
40:38
Damian Dunn
Yeah, that's exactly what I was thinking. Is there's so much that goes into owning your car? Your vehicle, you have to either buy it or pay monthly. You have insurance, you have plates, you have fuel. If you can eliminate all of those expenses, that's a lot of margin.
40:58
Kristen Ahlenius
Damien it's entertainment budget as well for.
41:01
Peter Dunn
Me, as far as I get that. Dude. Well, I mean, look, think about someone who enjoys beverages, adult beverages. It's like, yeah, hey, you can have some water, you can have some milk, but it's like, well, no, I'm taking the need of liquid and I'm taking it to a more expensive level. I don't view it any different than this from what you're saying.
41:20
Kristen Ahlenius
Dave yeah, it's where you're going to prioritize your dollars now, assuming you're not going crazy outlandish on certain things and really putting your financial stability and future at risk with how you're spending those dollars, to each their own. If you're going to choose to live in a bigger city where traffic is a thing or downtown, as Andy points out, one of our listeners, you're going to spend those dollars elsewhere, you're going to have some rent, you're going to pay more for housing, probably, than what the average person does. Up where I live and where people enjoy cars. But yeah, it's all preferences, man.
41:59
Peter Dunn
Kristen maybe it's off topic with 30 seconds left so I don't miss the post yet again in the show. By 30 seconds, I mean a minute in 10 seconds. Kristen how often do you drive? How many miles do you put in your car each week? By car, I mean your truck.
42:17
Damian Dunn
Like zero. I don't use my vehicle at all. I probably put less than 5000 miles a year on my car.
42:26
Peter Dunn
See, I'm at this place, so I have a six mile commute either way, but it's the driving after work when I'm lugging my children around to trombone lessons or whatever. Yeah, Ted just got assigned the trombone for middle school, so that's going to be a delight.
42:42
Damian Dunn
Happy for you.
42:43
Peter Dunn
Thank you. That's where the chaos in my brain exists, is all of the driving I do. Dame, you drive. This is your point. You both enjoy it. But then from a practical standpoint, you do drive a lot.
42:57
Kristen Ahlenius
A lot. Way more than I, which is weird. Way more than I wish I did in that respect. But the driving is not what turns me off.
43:07
Peter Dunn
All right, well, thank you for exploring this with me. Coming up after the break, the biggest waste of money of the week. We're not talking cars. We're talking boats. I'm Pete the planner. I mean, look, I made up from missing the post with a pretty good outro there, I got to be honest.
43:21
Damian Dunn
Yeah.
43:25
Peter Dunn
All right. Yeah.
43:28
Kristen Ahlenius
Pete, you and I can go for a drive sometime.
43:32
Peter Dunn
Okay. So I assume you like to give it a little I like a little.
43:37
Kristen Ahlenius
Spice in my drive.
43:39
Peter Dunn
I don't like being a passenger in that car. I've told you this. I was I know. In a pace car in an indy car course, and they took it at full speed with me as a passenger in, like, what do they call five point harness, whatever. It was the worst moment of my life.
43:58
Kristen Ahlenius
So you have no desire to do, like, the two seat Indy car.
44:04
Peter Dunn
In an oval, maybe, but not on a road course. The road course. I was terrified.
44:13
Damian Dunn
They're professionals.
44:14
Peter Dunn
They are, but it's just like I didn't like that. Guys, where do we start? With me? Not fun. That's where you always start. Not fun. I think the car thing, if we're being honest, I think part of it is I hate parking so much. Like, trying to find a parking spot that I feel like part of this is I don't ever have to find a parking spot again. And that's sexy.
44:41
Kristen Ahlenius
Kristen, do you think you put more what's the percentage of miles for your truck versus your golf cart?
44:49
Damian Dunn
Well, right now, it's not a comparison. Aside from the two long drives I had to do or the one long drive I did last year, I would probably have to look to see if I put more miles on my bicycle than my car.
45:08
Kristen Ahlenius
I said golf cart.
45:10
Damian Dunn
Yeah, but I don't think that would be there because my golf cart is electric, and it's really slow. You can't go very far.
45:17
Kristen Ahlenius
How about golf cart and bicycle combined versus oh, yeah.
45:21
Peter Dunn
Okay, you guys, I just got sad. I looked over on my shelf behind me, and I saw the bobblehead that you all damien, you were part of the bobblehead that you guys got me that looked a lot like me when you guys bought it. For those that can see it has hair, which I don't have anymore, a beard. I mean, it really does look a lot like me. Deep vneck t shirt, like a divorce.
45:48
Kristen Ahlenius
Did look a lot like you.
45:50
Peter Dunn
Did look a lot like me. But if you I don't a as a fashion sorry.
46:02
Kristen Ahlenius
You're embracing the aging process. Pete, you're not going to go in for any work. You're just showing how you can age gracefully.
46:08
Peter Dunn
You know, that's an interesting topic, actually, is, like plastic surgery or hair stuff we sort of talked about on the like it's weird. Anytime I think about it, I think, well, for me, I wouldn't spend my money on that. And I would use that personally as a waste of money. But I'm not at a place where I would want to make a big blanket statement like, that's a waste of money because it's just a preference thing. You know what I mean?
46:35
Kristen Ahlenius
Yeah. Like driving.
46:38
Peter Dunn
Like wine and wine.
46:41
Kristen Ahlenius
Yeah. Kristen stranger.
46:44
Peter Dunn
What are you shaking your head facelift?
46:46
Damian Dunn
Kristen I'm just shaking my head because I'm trying to convince my mom and my sister to instead of buying each other birthday presents this year, that we'll do Botox.
46:55
Peter Dunn
So many people I know do botox. So many I don't know. This cannot be a topic.
47:03
Kristen Ahlenius
Isn't that, like, hair club for men, though? Once you start Botox, you can't really stop?
47:07
Damian Dunn
Yeah, because it's not, like, forever.
47:11
Peter Dunn
Okay, I'm done with this. I brought it up. I stopped.
47:14
Damian Dunn
Your fault.
47:15
Peter Dunn
Everything's my fault. Okay, the fashion model says move on. Here we go. In three oh, not ready. Okay, quiet down, baldy. Three, two, one. This week's biggest waste of money of the week right here on the Pete the Planner Show is the Gquest Yacht Concept. Measuring 215 meters, the Gquest lives up to the Goliath series name the giga. Yacht Concept sets itself up as an expedition dream, providing plenty of lab space for research, experimentation that's creepy. And medical intervention. And it's loaded with vehicles for exploration, including six hydrofoil tenders, two seaplanes, three jet skis, two helicopters, a Uworks research submarine and a garage for two overland SUVs. The three upper decks are reserved for the owner and guests, offering 18 VIP cabins and a primary suite with a private balcony and pool. It also boasts five star amenities like a beach club, Turkish bath, three heated pools, yoga studio, which is different than a yogurt studio and a 20 person theater.
48:37
Peter Dunn
Propelled by azimuth thrusters. Powered by batteries, the vessel runs on green fuel and can reach a top speed of 20 knots. No one knows what that means with a range of 20,000 nautical miles. Okay, Kristen, here's the problem for you. As I love to point out, you are amongst the most talented people in the world at many things. This happens to not be one of your sweet spots. However, I just get this feeling you're going to nail it this week.
49:08
Damian Dunn
Why would you say that?
49:10
Peter Dunn
I'm just telling you I feel like you're going to nail it. So, Kristen, how much does the Gquest yacht cost?
49:16
Damian Dunn
The Gquest Yacht costs hundreds of millions of dollars. The problem is I don't know how many hundred.
49:24
Peter Dunn
Okay, you can buy it. I mean, it is you. Click click, they'll build it. What do you want?
49:31
Kristen Ahlenius
Just a couple of options and you're.
49:33
Peter Dunn
Off what do you got?
49:36
Damian Dunn
It's not quite a billion. We'll go with my Bob Barker guess. It's like 999,000,000 and on and on.
49:45
Kristen Ahlenius
Okay, dame, 750,000,000.
49:51
Peter Dunn
I just want to point out that I'm right. It's 1 billion. Kristen was going to nail it. I knew she was going to nail it. I knew it.
49:59
Damian Dunn
That was good. Thank you.
50:00
Peter Dunn
It's $1 billion.
50:02
Kristen Ahlenius
All right.
50:07
Peter Dunn
This is sort of a fair question. How many billions do you have to spend a billion? You could argue you could have 2 billion and spend a billion because a billion is so much money.
50:18
Kristen Ahlenius
So much.
50:18
Peter Dunn
Yeah, because this isn't like how many thousands do you have to blow? You have to have a lot of thousands to blow 1000.
50:31
Damian Dunn
My favorite thing about it is that of the things they listed helicopters, planes, et cetera, they also listed the 20 person movie theater. That was a really nice touch.
50:44
Peter Dunn
I think so, too. Dame, what's in the news this week?
50:49
Kristen Ahlenius
A woman at an art fair in Miami made an expensive blunder when she broke a sculpture that was worth tens of thousands of dollars, according to reports. The Miami herald reported that a woman in a VIP preview for art winwood broke a $42,000 porcelain sculpture by artist Jeff Coons Thursday. The sculpture in question was an electric blue balloon dog which was part of a collection of balloon dogs by the artist. Fortunately for her, the gallery did not require her to pay the $42,000 for the sculpture. An art advisor said the work of art was insured. Here's where it gets crazy, Pete. Even though it was broken in pieces, it could still be worth a lot of money. The advisor told the Herald that Gamson offered to buy the balloon dog's remains for $15 million on the spot.
51:40
Peter Dunn
What?
51:41
Kristen Ahlenius
Yeah, it was $42,000 in perfect working order. 15 million in pieces on the floor.
51:48
Peter Dunn
Okay, do the numbers again. I stopped listening. I was looking at Kristen's incredulous look on her face.
51:53
Kristen Ahlenius
$42,000 value when it was on its podium. However it was presented after it was broken, $15 million. Now, do you think that woman broke it intentionally from the artist?
52:11
Damian Dunn
Have you watched season four of you?
52:14
Kristen Ahlenius
No.
52:15
Damian Dunn
Interesting.
52:18
Peter Dunn
Season four of what?
52:20
Damian Dunn
You the next.
52:21
Peter Dunn
I've not watched season four. No. I've watched the first two seasons and then it started feeling like really creepy. And so I built for.
52:28
Damian Dunn
But that's an interesting take. Was it on purpose to make the art more valuable? I don't know.
52:35
Peter Dunn
So did the woman that broke it she's the one that offered to buy it for 50 million?
52:40
Kristen Ahlenius
I don't think they name the woman. Actually, you know what? I didn't include that part in my.
52:50
Peter Dunn
Little know that's pretty wild. This reminds me. The banksy photo that shredded itself or the Banksy painting that shredded itself at the auction, which was unbelievable performance mean that's remarkable.
53:03
Kristen Ahlenius
Kristen have you not seen that video? It's amazing. After we're done YouTube, banksy shredded art. It's crazy.
53:14
Peter Dunn
Before we do this, it's an off the air thing. Dane, what else is in the news?
53:19
Kristen Ahlenius
More parents are moving in with their younger adult children, and they're doing it while they're younger, healthier, and often still working. One in four Americans aged 25 to 34 lived with parents or older relatives as of 2021. We expected that. Pete, we've had this conversation before. One of four one in four Americans, 25 to 34 are living with older relatives as of 2021.
53:40
Peter Dunn
We've talked about that.
53:41
Kristen Ahlenius
We knew that. The fastest growing segment in multigeneral households, according to data from Pew Research Center, is that segment. However, most of this group is adult children moving back in with their parents. But a significant number of older adults are moving in with millennials in 2021. 9% of multigenerational households were headed by 25 to 34 year olds, up from 6% in 2001.
54:07
Peter Dunn
Wow.
54:07
Damian Dunn
Daycare.
54:10
Peter Dunn
Oh, I didn't get there. That could be what's the percentage now?
54:16
Kristen Ahlenius
So of that one in four multigeneral age households, 9% are headed by the 25 to 34 year old, the parent.
54:27
Peter Dunn
I just keep thinking, what part are motivated or inspired from a health perspective and a care perspective versus just cohabitation?
54:37
Kristen Ahlenius
Some parents aren't waiting for retirement or urgent health care needs to move in with adult children, as the Pew data suggests. Known as the reverse Boomerang effect, the move is often driven by changing attitudes about family life, high housing costs, and challenges in finding affordable childcare.
54:52
Damian Dunn
Bingo.
54:53
Peter Dunn
Kristen, let's get awkward. You have your mom move in with you?
54:59
Damian Dunn
No.
55:00
Peter Dunn
Okay.
55:01
Damian Dunn
She watches this show. I've just heard her feelings.
55:04
Peter Dunn
I know. That's why I asked. Dame, your mom tunes in from time to time. You having your mom move in with you?
55:10
Kristen Ahlenius
Mom just got married, so no.
55:13
Peter Dunn
Hey, mazeltov. I'm not answering that question. What else is in the news?
55:23
Kristen Ahlenius
As COVID restrictions are lifted, airline profits are taking off with borders open. Some carriers that were burning through cash a year ago are posting big profits. British Airways parent said Friday that it was in the black last year for the first time since the pandemic began. Singapore Airlines posted a near record profit for its last nine months, and Qantas recorded pre tax profits over the latest half year. The results are being driven by a combination of pent up demand and cost cutting, with big boosts from government funds in many countries. With seats limited, carriers are still scrambling to hire staff and get planes back in the air. Fares are high, but passengers have been willing to pay. Kristen, is this trend going to slow down anytime soon?
56:07
Peter Dunn
No, Pete, this is where we're going. I've not flown in a while, which is sort of nice, but, boy, the spring Pete the Planner show schedule is going to get pretty awkward. You're not going to see me a lot. So we do need to figure that out. Are you guys going to do the show solo without your boy or am I going to call in from wherever? We're going to have to figure that out. Before we leave this week's show, I do want to make announcement that we actually have announce publicly here at your moneyline. Your moneyline was named one of the best places to work indiana by the Indiana chamber of commerce. So if you want a job here, we're hiring. Go to yourmoneyline.com look at our jobs. I usually don't plug what we do here, but, hey, being named one of the best employers in the state of Indiana doesn't.
56:56
Peter Dunn
Right? Right. Feeling good?
56:58
Kristen Ahlenius
Absolutely.
56:58
Damian Dunn
Yes.
56:59
Peter Dunn
Yeah. Good job to you both. Dame, by the way, exceptional show today. Dame, you're very funny. Very good show today. Thank you, Sydney. Good vibes. Good vibes. Are all that's in the budget? I'm Pete the planner, and this is the Pete the was. I was pleased with that. I know it's an award, so it's somewhat like a social construct, but you.
57:23
Kristen Ahlenius
Should be happy with it, though. You've put a lot of time and effort and blood, sweat and tears into what we do. And to be recognized as a great place to work indiana, it's great.
57:33
Peter Dunn
Yeah. Definitely feels I have a lot of pride in it, but definitely feels like a team win here. I will say it's weird. Having been in business for a long time, my two so far most gratifying moments are this in a way, although I don't own responsibility for it, but I do have pride in it. And then when we all got health insurance, that was like, honestly, I don't know. As a small business that isn't required to have health insurance, mind you, because we have less than 50 people, that would seem like a big deal. Good week, everybody. Thanks for contributing to being a good place to work. I mean, a best place to work. Okay, kristen, big plans this weekend?
58:18
Damian Dunn
Not this.
58:21
Peter Dunn
No driving.
58:23
Damian Dunn
Oh, no driving. I mean, Purdue does play IU on Saturday.
58:27
Peter Dunn
It's going to be so annoying. I get so annoyed by why? Because of IU fan.
58:36
Kristen Ahlenius
Just don't get on social media. And you don't I'm not.
58:39
Peter Dunn
You can't avoid it's. Just a feeling in the air.
58:42
Kristen Ahlenius
I agree.
58:43
Peter Dunn
Candy striped paints the pants. And people are just like, oh, we fell down by 30 and we came back. It's like, I don't care about any of it. Sorry.
58:54
Kristen Ahlenius
Angry. Said IU fan. Social media is my favorite social media.
59:00
Damian Dunn
It's something well, and there's even more pressure on this game because purdue beat IU when they played, like, what is that, three weeks or I mean, IU beat purdue. Was it three weeks ago? Maybe this is their second meeting, but it's at mackie.
59:18
Peter Dunn
Are you guys going to the five? We're doing a 500 indy 500 practice day. Here with the squad. Are you guys coming down for that dame? You do love driving.
59:26
Kristen Ahlenius
Yeah, I don't have a ride yet for the show, but I'll probably bring my 72 Quart cooler and just camp out in the infield.
59:35
Peter Dunn
Kristen, are you coming down to watch other people drive?
59:39
Damian Dunn
Maybe. I feel like if I decide to make this purchase that I want to make, I feel like that would be a good time.
59:49
Kristen Ahlenius
Yeah, I think it should. I think you should all the way around.
59:52
Peter Dunn
Wait, am I missing something, or is this, like, part of the joke?
59:55
Kristen Ahlenius
It's a conversation that Kristen and I are that I'm trying to convince her, corrupt her in certain automotive ways.
01:00:01
Peter Dunn
Don't do that. Don't listen to.
01:00:07
Damian Dunn
I already was on the hunt for something, and I posted it on social media, and Damien was like, yes, do that.
01:00:17
Peter Dunn
Buying a camper?
01:00:20
Damian Dunn
No, not currently.
01:00:22
Peter Dunn
Yeah, it's a thing. All right, that's it. We're done. This clown show is over. I'm off to a photo shoot. Oh, my.
01:00:39
Kristen Ahlenius
Let'S not forget you said yes.
01:00:41
Damian Dunn
True.
01:00:42
Peter Dunn
You know what this reminds me of? The time when I got in trouble for Mrs. Planner. Justifiably when I came home late one night. I was like, hey, I got a work thing. She's like, okay. We had two young kids. I get home, it's an S show. It's a clown show. This is crazy. She was like, well, what was it you were at tonight? And I was like, Well, I was a celebrity judge at a pie contest. And she was like, what? Are you kidding me? And I was like, yes. And she was like, no, you weren't. So I was eating several pies as a celebrity judge at a Pieding contest while my wife was handling the spawn of my mere existence. Oh, it's terrible.
01:01:27
Kristen Ahlenius
Do you remember what your favorite pie was?
01:01:29
Peter Dunn
I'm an apple pie guy, but I think there was a chocolate cream pie that was busing, as the kids say.
01:01:39
Damian Dunn
Right on.
01:01:41
Peter Dunn
What's wrong with me?
01:01:43
Kristen Ahlenius
How much would it take for you to get a few of those magazines and autograph them and just leave them laying around your house? Sign the COVID.
01:01:53
Peter Dunn
I have so many feelings right now that are complex. None of them are really good feelings, but whatever. Anyway, hey, you know what? Say yes, everyone, and see what happens next. This is an inspirational message from a cover model. No, just like, hey, stay getting money. Bye.
