Pod Insights The Clark Howard Podcast 10.29.25 The Housing Market & Involuntary Landlords / Restaurants: Less Is More About this episode In today’s episode, Clark has an update on the housing market, and how “involuntary landlords” are benefitting tenants. Also, you may notice some changes to some restaurant menus that are good for both your wallet and your health. Housing Update: Segment 1 Ask Clark: Segment 2 Smaller Portions: Win-Win: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Submit a complaint | Consumer Financial Protection Bureau Checking monthly statements key defense against credit card hacks Net Worth Calculator - Clark.com The next big thing on menus: Smaller portions When Do You Tell a Car Dealership You're Paying Cash? Where Should You Keep Your Cash Reserve? Money Market Funds: What They Are, How They Work 18 of the Best High-Yield Online Savings Accounts in October 2025 How To Get Your Financial Affairs In Order Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 0:00 Speaker 00 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats. Order now. Terms apply. Product availability varies by region. See app for details.
0:30 Speaker 01 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
1:04 Speaker 02 I'm so glad you're with us today on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. And in today's episode, I have an update on the housing market and why some people are reluctantly choosing to become what's been referred to over the years as involuntary landlords. How that's benefiting tenants as well. Also, you may have noticed some changes to menus that are both good for your wallet and your health. That's a riddle. I'll fill in later.
1:46 Speaker 02 So, real estate values in the U.S. have pretty much flatlined. There are occasional micro markets in the United States that are still seeing meaningful increases in home values or condo values year to year. But as a general rule in data of various housing markets.
2:10 Speaker 02 The housing market may actually, in a number of places, have declined. Time on market increased enormously. I just read a story about people in the condo markets. How condo markets in so much of America, and nowhere more amplified than in Florida, that condos aren't selling in a lot of places at any price. The market is essentially dead right now in a lot of communities for condos. And units that move, move at a lower price.
2:50 Speaker 02 In addition, there are a lot of people going back over the last 15 years who intentionally bought investment properties, usually single-family homes, duplexes, or townhouses, to rent out as investments. And now, joining them, a lot of people who, for life circumstances, have maybe a home with an ultra-low mortgage rate, and they don't want to live in that house anymore, or a property anymore, but they also don't want to sell it because the payments are so
3:29 Speaker 02 crazy low with an ultra-favorable mortgage rate that, as they may have taken a job somewhere else in the country, or their life circumstance could have changed, their kids could have grown out of the house, they could have had kids, they could have gotten divorced. Life circumstances. And at the same time, they don't want to give up this once-in-a-lifetime opportunity of having a mortgage that's 2%, 3%, maybe, maybe 4%, but usually 2s or 3s.
4:04 Speaker 02 So they're becoming landlords. And this is a smart decision. A lot of the condo owners, though, that are in a situation where you need to sell, and the market's just dead, it's past frozen, it's dead right now, you may not be allowed to rent out because the condo may have a rule against rentals. A lot of times, though, in Florida, there may be rules against short-term rentals at a condo, but not long-term rentals. An opportunity for a dead property to come back alive, bringing you income.
4:47 Speaker 02 But I just want to tell you, as somebody who's been a landlord for, gosh, over 40 years, 42 years I've been a landlord, at first, you're going to make some mistakes. Biggest mistake a new landlord makes is doing proper checking on somebody who could be a potential tenant. A lot of people who know they're not going to qualify from a background check with a big apartment complex will take advantage of a rookie landlord, and they'll rent that place, and then maybe they never make a rent payment.
5:32 Speaker 02 Or maybe they're doing activities at that property you don't want going on. Maybe they're using it as a party house. You don't know. When you become a landlord, either voluntary and voluntary, you need to spend some time, there are so many wonderful sites online that will brief you on what you need to know as a would-be landlord, that will help you get the same kind of background checks done on a prospective tenant that a big apartment complex can do, that will help you with collecting the rent every month. There are even services that will help you with the maintenance and repairs you might
6:16 Speaker 02 need at a property, particularly which becomes important if you become an involuntary landlord because you moved across the country. And you can't easily deal with things when you're hundreds or thousands of miles away. So know that there are great reasons why somebody becomes a landlord. And it can be all different circumstances. But do your homework when you become one to protect yourself. And by the way, the good news for tenants is that all the people coming in is involuntary landlords.
6:55 Speaker 02 Creates more opportunity for you to potentially get a better living situation. Better deal, whatever it is, than you get going to the big corporate apartment complexes. Krista?
7:11 Speaker 03 Okay, this question came in from Neil in Missouri. Dear Clark, my wife is a longtime listener and has convinced me into a save more and spend less lifestyle early in our marriage. We are both in our mid 40s with children aged six and nine.
7:25 Speaker 02 Obviously Neil's wife's brilliant.
7:27 Speaker 03 She's brilliant. Financially, we are maximizing our 401k and IRA contributions yearly.
7:33 Speaker 02 Wait, with two young kids, they're doing that?
7:35 Speaker 03 We have a brokerage account with a mix of growth and income funds performing well and have no debt. We always buy ordinary pre-owned cars that we can afford with cash. And we paid off our mortgage in 2021.
7:47 Speaker 02 Wait, wait, wait, wait, wait. I love that. Paid off the mortgage, two young kids, saving money like maniacs, investing in the future.
7:56 Speaker 03 Okay, hang on, there's more. But wait.
8:00 Speaker 02 But wait, there's more.
8:01 Speaker 03 This lifestyle of save more and spend less allows us to prioritize our incremental leisure spend and amazing experiences. Like you, we love to travel and show the world to our two kids. In the last three years, we've been to Australia, Brazil, England, Italy, Spain, and Mexico. As an avid traveler yourself, we are curious to know, how do you think about buying luggage? We've generally gone to discount stores and overstock outlets to try to find good bags at reasonable values, but they always seem to end up with broken wheels or crack shells. We pull these bags across airports, train and bus stations, and long walks to our hotels, but we don't beat them up beyond normal wear and tear of their use. It would hurt me to do this, but do we need to consider spending big money on buying good branded bags
8:46 Speaker 03 that will last more than a few trips? Or should we continue buying these bags that seemingly have a short, useful life?
8:52 Speaker 02 All right, so I have a compromise on this between do you buy rock gut, cheap, really questionable luggage, or buy ultra fancy luggage? I think you buy it from the warehouse clubs. Krista, could you go?
9:07 Speaker 03 I will grab our, yeah, we do have a show and tell.
9:10 Speaker 02 We have a show and tell today for those of you who watch our YouTube show, because Krista's going on a trip with a friend who didn't have a good carry-on bag. And so Krista, if you will show to our YouTube audience what you have here. This is the Sam's Club Members Mark. It's got the Members Mark logo on it. Members Mark Carry-On Suitcase.
9:35 Speaker 03 Nice handle.
9:36 Speaker 02 $69 on sam'sclub.com. It is fairly light, hard-sided luggage.
9:45 Speaker 03 It looks like, honestly, one of the fancy brands is called Away. It looks very much like an Away brand, but actually even a little, I had to say it, sturdier.
9:54 Speaker 02 And the thing about it, if you buy Members Mark, Costco is not selling Kirkland Signature luggage right now, but you buy that Members Mark suitcase and it croaks on you, they just give you your money back or give you a new one.
10:08 Speaker 03 Nice.
10:09 Speaker 02 So that's why, you know, every answer to every question is either a Roth or it's a warehouse club.
10:18 Speaker 03 Or freeze your credit.
10:19 Speaker 02 Or freeze your credit, yeah. So anyway, that's what I would do. $69, that may be more money than you've been paying at the outlets, but it's a really reliable, durable suitcase. The soft-sided ones hold more stuff than these hard-sided ones, but I've been very happy with the Members Mark suitcases.
10:44 Speaker 03 Okay, and we appreciate it. Thank you.
10:46 Speaker 02 Sure.
10:47 Speaker 03 John in Virginia says, "My 80-year-old mother maintains a bank account in another state that she uses solely to collect rental income. Recently, she discovered that her account has been the target of ongoing fraud.
10:58 Speaker 02 Yeah.
10:59 Speaker 03 Someone obtained one of her physical checks and has been emailing the bank each month using her account and routing numbers to request withdrawals ranging from $35.99 to $48.99." That's $35 and 99 cents to $48, because honestly, like, it could be worse.
11:14 Speaker 02 Right. But it's a common criminal act to...
11:18 Speaker 03 Take small amounts.
11:19 Speaker 02 Remember, there was the thing with the bank that sold its credit card numbers off to crooks, and they were debiting $7 a month from people's accounts, and nobody noticed for years that $7 was vanishing from their accounts, going to crooks?
11:35 Speaker 03 "These unauthorized withdrawals have been occurring for approximately 12 months, totaling $1,032. Upon notifying the bank, we were told that only the last six months of fraudulent transactions would be refunded, as it was her responsibility to review her statements. Additionally, we were informed she must visit a physical branch in person to receive any reimbursement, requiring a three-and-a-half-hour drive each way. What can we do to persuade the bank?"
12:01 Speaker 02 Wait, an 80-year-old?
12:02 Speaker 03 I know.
12:03 Speaker 02 80-year-old mom? Really? Really? Okay, file a complaint with consumerfinance.gov. They're still processing complaints. This is a large regional bank that has a really bad complaint rate record. Really bad. And so, to require an elderly person to go three-and-a-half hours each way to get back what would end up being like 500 of the 1,000? Is ridiculous. Now, also, I'm worried because the bank's only required to give back
12:42 Speaker 02 the last 60 days, which usually works out to three months of the charges, not six. So I'm worried that customer no service has quoted the wrong amount of refund. Imagine she drives at 80 plus years old, three and a half hours and gets there and says, "Yeah, I don't know why they told you you were getting that much money. You're not getting that much." But this is why you hear me say over and over and over and over again that you've got to go through your statements every month. Because criminals now no longer do bank robbery going into a branch. How often do you ever hear about bank robberies anymore? Physical bank robberies?
13:26 Speaker 03 Yeah.
13:27 Speaker 02 I mean, that used to be such a common crime. Why would they do that when they can steal money electronically so easily and virtually never get prosecuted for that? So that's why, no, that's what Jesse James would do if Jesse James was robbing today. He wouldn't go in the bank branch with, you know, six shooters. He would be stealing electronically, sitting there on his laptop. So know that and please, check your statements every month. But the bank requiring the three and a half hour trip each way is beyond mean spirited and is insanely ridiculous.
14:11 Speaker 03 I wonder if there's no getting around that. If John has financial power of attorney for his mom, if he could maybe be her proxy and do that?
14:20 Speaker 02 I guess. It's just the whole thing of...
14:23 Speaker 03 I know it's crazy. I'm just saying like if it's...
14:25 Speaker 02 It's just mean. This is just mean.
14:28 Speaker 03 I know. Well, they're trying to prevent more fraud, but it is, yeah.
14:32 Speaker 02 Well, this is one of the banks that's going to get gobbled up. And when their signs come down in the states they're in, that'll be a good day. But I'm not, okay, so you may be wondering why I'm not naming them. In this case, because we don't know that all the circumstances are exactly as said. But there will come a time that I will.
14:55 Speaker 03 I don't understand why they can't just refund into her account that the money was taken from and then she can take it out. It's so crazy.
15:00 Speaker 02 Of course they could. It's just, it's just mean.
15:02 Speaker 03 Hopefully the complaint will work.
15:03 Speaker 02 Mean, mean, mean, mean, mean.
15:06 Speaker 03 Bill in Indiana says, Clark, for years I've heard that net worth equals what you can minus, what you own minus what you owe. I don't see how this can possibly be accurate. What you own is not net of current or future tax liabilities, let alone the effects of inflation. Retirement accounts, taxable brokerage accounts have tax consequences. Even selling a paid off house will incur expenses. So why do financial advisors and the financial industry use such terminology? It leads households to believe they have more wealth than they do. Clark, please help put an end to the fallacy of what you own minus what you owe is your net worth. When gross worth is a better descriptor.
15:48 Speaker 02 Okay, I love what you said here. So let's take a situation where somebody has overwhelmingly their money in traditional retirement accounts. You have about a third less money in them than what it appears to be. Because when you withdraw that money later in life, you're paying ordinary income tax. On the other hand, if you have money in an investment account, the money you have there, depending on your tax bracket, what you're going to net out will be 80, 85, 90% of that money. If you have money in a Roth version of something. A dollar you see is a dollar you have.
16:31 Speaker 02 Now, and your thing about inflation, if money is invested, then in theory and in practice, over many decades, hundreds of years, actually, that money will grow over time if it is invested, not in savings, but if it's invested. So you can use tools like on iPhones and Androids, there are apps you can download that will estimate future value of things, that can estimate net of tax. And you can use these to figure out, am I really on course? But what net worth statements are, is there a snapshot of where you are today? How much money you owe?
17:16 Speaker 02 How much money you have? And you're able to see, hey, I'm building up a nice net worth. What really matters, the trend is your friend or your enemy. Over time, if your net worth keeps rising, that's your friend. Coming up ahead, something else, your friend two ways. I got something about food that's a trend that is a positive trend for your health and your wallet. That's a good twofer.
17:48 Speaker 00 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats, order now. Terms apply. Product availability varies by region. See app for details.
18:18 Speaker 01 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
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19:17 Speaker 05 Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.
19:30 Speaker 06 Price and participation may vary. Promotion pricing may be lower than meal pricing.
19:33 Speaker 02 There's something I'm really excited about. So I used to weigh a lot more than I do. And one of the problems I had was that if I went out to eat, whatever food was put in front of me, I ate it. And I was eating way beyond the point at which I would still be hungry. Overeating. And it's been a thing historically in restaurants. Hey, give them a giant plate of food and they'll feel like they really got value. But today, dollars are so short that I've taken real note of something I read in the
20:13 Speaker 02 financial press a while back, yeah, a couple of months ago, I guess, about the Olive Garden experiment. They only alluded to one time prior. That Olive Garden has been testing in about half their locations, having like a junior menu, not a kid's menu, but like smaller portions of the same items, side by side. It's something that some smaller regional chains have done for years where they offer two different sizes of entrees. And you get to decide, do you want the cheaper one or you want the bigger one? So the Olive Garden thing at a time that people really are stressed about cost.
20:58 Speaker 02 Their research found that it changed people's perception of the value.
21:05 Speaker 02 Of how affordable it was. Well, I mean, gosh, obviously, if you're paying a lower price, that, that would make people feel like they were getting a better deal because the reality is particularly when you start looking at things like pasta and that kind of stuff, you're talking about the portions were served in the United States are crazy big. If you were in Italy and you were served a pasta plate, it would be a family portion. It would be for everybody at the table. If it was a big table, like a group of eight, they might serve you two of the pasta dishes. I want you to know those pasta dishes they
21:49 Speaker 02 serve are about the same amount of food that we're served in the US per person at a restaurant. When they bring that big, heavy plate piled high. And that's always been the philosophy. But I want you to think about this. All the benefits of places that were in, you know, the restaurant industry is like any other. People see something work with a big national player and they're like, hmm, maybe that would be a good idea. And it becomes an ongoing thing that more and more people do. In a time that trying to get people to eat
22:30 Speaker 02 out, if I'm a restaurateur, maybe you offer smaller portions for a smaller price because you're gonna actually benefit that customer health-wise and you're absolutely gonna benefit them in the wallet. And so I've found that I now order things that are smaller portions when that's available. I've been doing that a long time, way before. Inflation is part of my whole thing with weight control and. I'm obsessed with my daily calorie count, which is such an obsolete concept.
23:09 Speaker 02 But I am, and it's how I lost 50 pounds and have kept it off for nearly 20 years. And I can eat at home and it's easier at home to control portions. But even eating out, I've learned to be able to do that. And then I have the added joy that I have to be extra careful with sodium because I had, two years ago, I had an aortic valve replacement and sodium will kill the replacement valve. If I have too much sodium, so I do like a matrix of those two things. But if there are smaller portions available, try them. You'll find you're likely to be satisfied.
23:52 Speaker 02 You're going to feel like you had enough food. Your body will have had enough food. Your calorie count goes down. And if you've been fighting the scale, maybe your weight will be better, too. And added to it, if you can walk to and from the restaurant, even better.
24:11 Speaker 03 All right. Heather in Georgia says, for my rainy day money, is it better to keep it in a high-yield savings account or in a money market account? Are their tax implications different for the different account types? We just made a major purchase of a car and we paid in cash, so our savings is a bit down now. It's around $30,000 from our previous amount of 90. I'm hoping to build it back up to around that same amount. We have no specific purpose for this money at this time. Thanks again for all you do to help us save more, spend less, and avoid getting ripped off. How many people you think pay cash for cars?
24:44 Speaker 02 1% I think is the number.
24:46 Speaker 03 Wow.
24:46 Speaker 02 It's a very, very low percent. So, gosh, you've done a great job that you're able to say, yeah, here's your money. Don't ever tell a dealer when you're negotiating the deal on a vehicle, you're going to pay cash because they're going to charge you more for it because they make so many, many, many thousands of dollars from originating the loan. So if you let them know you're paying cash. Upfront, they're not going to quote you the same price. Enough about that. So, got this money and you're going to build it up over time. If you already do business with Schwab, Vanguard, or Fidelity, do money market with them.
25:30 Speaker 02 If you don't do business with any of the three giant discounters, then what you asked, the other thing, do the high-yield savings account. That would be the best strategy with an online bank. And those interest rates have been falling some lately, but it's still going to be the most efficient if you're not already a customer of Schwab, Fidelity, or Vanguard.
25:57 Speaker 03 And John in Florida says, Clark has recommended negotiating credit card interest rates. Likewise, I was able to negotiate a higher savings rate on an internet high-yield savings account.
26:08 Speaker 02 Really?
26:08 Speaker 03 Yeah, the bank vaguely suggested contacting them about interest rates before withdrawing funds. When I called the bank about this, the representative said they only offer the published rates I have. However, when I actually started to initiate a withdrawal, an automatic response popped up, offering me 0.30% above their published rate for one year. I screen printed and accepted the dated offer. The bank continues to uphold their agreement, as do I. Logically, we know this does not work with every financial institution, and having more in savings should increase your chances of receiving an offer. But it's something to consider, particularly if you perceive unspecified hints, as I did.
26:46 Speaker 02 So, I love this. I've never heard this from anybody else. Have you?
26:50 Speaker 03 No.
26:51 Speaker 02 So, I mean, lots of businesses, if they know you're about to leave the building, or in this case, with an online bank, leave them. They offer stuff to you to get you to stay. And we know the retention specialist thing and all that. But you were talking about how YouTube TV offered you a deal recently when you were going to fire them. And they do that when you go to cancel. I don't know when they decide when they offer it, when they don't. But they offer you 20 off a month for a period of time, something like that. This is that same kind of idea, but something we've never heard of. That you play hard to get, that you're leaving the online bank,
27:34 Speaker 02 offering you money, and giving a set period of time, in your case, a year. What a deal.
27:40 Speaker 03 All right, this one came in from JP. He said, "Clarko, everybody knows you're a rich guy because you squeeze every nickel till it starts its own podcast. But what will happen to that money when you're gone? Some of us face similar questions, and whatever your own decisions were, I'm curious how you reach them." I wasn't sure if you wanted to answer this or not.
27:59 Speaker 02 Why not?
28:00 Speaker 03 Okay.
28:01 Speaker 02 So, my kids know that it's going to be a different answer based on whether I die first or Lane dies first. So, my deal is if I'm the second to die, the three kids will get each the same amount of money, but it's going to be a nice amount of money to have in their lives, but never enough for them to never have to get up in the morning and go to work. That I've found over the years, there are exceptions, but that often when people inherit an enormous amount of money,
28:41 Speaker 02 they tend to lose their work ethic some, their motivation some. And so, I think giving your kids some money to improve their lives financially, but not take away the incentive for ambition and being industrious and all that, that's my thing. And all the rest of the money, if I'm second to die, goes to my favorite charities that have already got set out clearly in my will. So, let's say I am the first to die. Then the money goes to Lane, and her opinions are different. She has her will set up to give more money to the children,
29:25 Speaker 02 and that is her choice. And this is hard stuff to figure out because what I don't want is I don't want affluenza. I don't want a situation where my kids are like, "Yeah." Uh, I'm just living great here now. So what do you do? Oh, I just live great. You know, it's just, I don't want that. Um, Lane believes that our kids have been instilled with such a strong work ethic that it would make no difference. And she may be right. And since she's likely to be the second to die anyway,
30:04 Speaker 02 her wisdom will win out. So we shall see. Uh, is there anything, any other things?
30:11 Speaker 03 Somebody else asked how you choose charities, that they were looking to choose charities for their will.
30:17 Speaker 02 So I have decided to support organizations that I've had firsthand experience with, that I know are going to efficiently use the money that they would get from me. And there are causes that I hold dear. And so that's how I've made the decision about charities. I've not given to UFO organizations. And I think it's amazing what, what was Jeff Bezos's ex-wife's?
30:49 Speaker 03 Yeah, she's incredible.
30:51 Speaker 02 What's her name?
30:52 Speaker 03 Um, gosh, I'm thinking out.
30:54 Speaker 02 She's given away billions and billions of dollars. And she has this like surreptitious method where she investigates different charitable organizations all over the country. And then money just, Mackenzie?
31:09 Speaker 03 Mackenzie Scott.
31:10 Speaker 02 Mackenzie, uh, thank you. It just came to me. It's very, uh, so she's giving away all these billions and these charitable organizations will show up one day and there's this check. And they're like, what happened here?
31:26 Speaker 03 Right. It's incredible.
31:28 Speaker 02 Yeah, I don't have that kind of money. So that's not going to be an issue for me. But I love the question because it's a good problem to have. And now it's a bigger issue because now that the Congress made the, um, estate tax so obscure, so rare, we're talking about people giving money to their kids willy-nilly all they want. And if somebody's developed enormous wealth, the kids are gonna be lucky to have been born on third base like that, right? So.
32:06 Speaker 03 I think Lane's right, though, just my, whatever, I just have to say, your kids are amazing and you've done such a great job with them. I mean, they all work so hard, so hard, each one of them.
32:18 Speaker 02 How lucky.
32:19 Speaker 03 Really good people. Well, yeah, I mean, but you guys did a great job, so.
32:23 Speaker 02 She did a great job. I was just there. Anyway, have a great day. And you know what's coming up on Friday? We get to hear where I didn't do a great job. I was thinking about how, you know, I'd always do stuff around the house. And, you know, I recently installed a Japanese toilet thing in our house. And Lane's like, aren't you worried you're gonna flood the place that you should hire a plumber?
32:51 Speaker 03 Seriously, though?
32:52 Speaker 02 I did it successfully.
32:55 Speaker 03 For now?
32:57 Speaker 02 Oh, man. So the kids have always seen that out of us, that, you know, if there's something that needs to be done.
33:05 Speaker 03 It's true. It's impressive. Calculated risk.
33:11 Speaker 02 Oh, okay. I'm gonna tell a story right now. And then if you don't think it's appropriate.
33:18 Speaker 03 Okay.
33:18 Speaker 02 You just... So, Lane, one day, was scrubbing the floors in the kitchen. And she's got, like, schmutz all over her. And she had a deposit to make. This was back when you had to go in person to make deposits. And she goes to, this was Charles Schwab. She's talking, she knows the woman behind the counter, they're talking, and she's telling, she, what have you been doing, Lane? Because she's just got, I mean, she's just really nasty from cleaning the floor, scrubbing it. We had a floor that seemed to really attract
33:57 Speaker 02 dirt. And so, the nice woman behind the counter looks at it, smiles and says, you know, you could hire someone to scrub that floor.
34:08 Speaker 02 And that's just our way that we do things ourselves. And our kids have always seen that. And so your kids learn from not what you say, but from what you do.
34:22 Speaker 03 That's so true.
34:23 Speaker 02 And so we've been lucky, knock on Formica, that knock.
34:28 Speaker 03 Knock on my head because my head's made of wood.
34:30 Speaker 02 Yeah. So our kids have really gotten solid, solid work ethics. And that's something to be proud of.
34:40 Speaker 03 For sure.
34:41 Speaker 02 Anyway, we get to find where I shouldn't be proud. The clock stinks in a couple of days. And I want to tell you what we're all about is you being empowered with knowledge so you can save more, spend less, and avoid getting ripped off.
35:01 Speaker 00 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats. Order now. Terms apply. Product availability varies by region. See app for details.
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