2/28/25 IRS Layoffs, Denny’s Egg Surcharge & Growing Wealth with Edible Schoolyard

The Moneywise Radio Show and Podcast Friday, February 28th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www. MoneywiseGuys.com facebook: Moneywise_Wealth_Management instagram: MoneywiseWealthManagement Guest: Dylan Wilson, Executive Director for the Edible Schoolyard of Kern County website: www.esykerncounty.org/ Buena Vista Extra Virgin Olive Oil Facebook Instagram

• 0:00Speaker 00

  From the padded radio room off Stockdale Highway, here is Money Wise. Call or text in at 661-396-1000.

• 0:09Speaker 01

  I need a dollar, dollar, dollar, that's what I need. Hey, hey. Well, I need a dollar, dollar, dollar, that's what I need. Hey, hey. Said I need a dollar, dollar, dollar, that's what I need. And if I share with you my story, would you share your dollar with me?

• 0:30Speaker 01

  Securities offered through SEF Securities, Inc., member FINRA/SIPC. Investment advisory services offered through SEF Investment Advisors, Inc. SEF Securities, Inc. and Money Wise Wealth Management are independently owned and operated.

• 0:40Speaker 00

  Now, let's start the Money Wise Show.

• 0:43Speaker 02

  Welcome, welcome, welcome to another Friday edition of the Money Wise Show. Live from the Gero Ellis padded radio room off of Stockdale Highway, ESPN, Bakersfield, 1230 AM, 101.1 FM, always streaming at thegoodoldmoneywiseguys.com on the old interwebs.

• 1:02Speaker 03

  The interwebs.

• 1:03Speaker 02

  At the interwebs.

• 1:05Speaker 03

  That term always cracks me up.

• 1:06Speaker 02

  I know. You can text the show anytime, 24 hours a day, 661-396-1000.

• 1:15Speaker 02

  Got already a couple of good questions in the queue. And today, we are your hosts. I'm here, Justin Leland, here with?

• 1:22Speaker 03

  Dustin Weaver.

• 1:23Speaker 02

  And we do have another person here in the room. Get on that microphone there, Nestor. Pull the microphone over.

• 1:30Speaker 03

  You can do it.

• 1:31Speaker 02

  You can do it. Say hello to the, say hello.

• 1:35Speaker 04

  Hello.

• 1:36Speaker 02

  All right, Nestor, the Money Wise intern is here. He's, he's watching us put together a bang-up show. And he's joining. He's, we're doing a banger today.

• 1:47Speaker 03

  He might take over.

• 1:48Speaker 02

  He should take over, because he's going to be the pro.

• 1:52Speaker 04

  No, I don't think so.

• 1:53Speaker 02

  No, I think he will. In about five years, he's going to be running this joint.

• 1:58Speaker 03

  He is a bright kid. We're lucky to have him.

• 2:00Speaker 02

  Lucky to have him. Nestor's been doing a great job for us here the last, what, about a month or so? Yeah. Joining us from the

• 2:11Speaker 00

  ROC.

• 2:11Speaker 02

  ROC, yeah. The finance and economics group down there doing a great job. And so he's joining us today, kind of watching what we're doing. And we have a great show today. We actually have Dylan Wilson, the executive director for the edible schoolyard here in Kern County from Grim Education. Going to be joining us at the bottom of the hour, talking about the edible schoolyard, get to down to business with him. But we're going to do what we do best. We're going to get down to business and get some numbers. It was a really good day on the market today, was it not Dustin?

• 2:43Speaker 03

  Yeah, thankfully, because

• 2:44Speaker 02

  The rest of the week kind of sucked.

• 2:46Speaker 03

  It rounded off the week. Yeah, the week it ended up down around 1%, but today was up around 1.39, excuse me, on the Dow, 1.59 S and P 500.

• 2:58Speaker 02

  Yeah, NASDAQ was up almost what 1.8, almost 1.9. Yeah, so it was a pretty good green day, green day on the screen today, but the rest of the week was a little bit lackluster. Good bounce today, but

• 3:14Speaker 03

  I was waiting for Steven to start playing some Green Day.

• 3:16Speaker 02

  Yeah, well, he

• 3:17Speaker 00

  I actually have Green Day set up before you even said anything.

• 3:21Speaker 02

  You know, it's gonna, you know, Steven is, he is the pro. He will, he will throw it in there.

• 3:28Speaker 02

  Happy birthday to Luca.

• 3:30Speaker 00

  Luca.

• 3:31Speaker 02

  Luca.

• 3:32Speaker 00

  I was thinking about that because you were saying, you know, that you're going to the Lakers and, and Wimby is not going to play after all this and

• 3:41Speaker 02

  Yeah.

• 3:41Speaker 00

  You get to see Luca.

• 3:42Speaker 02

  I do get to see Luca.

• 3:44Speaker 00

  That's awesome.

• 3:45Speaker 02

  That's gonna be fun.

• 3:45Speaker 00

  And it's probably very rare that you'll get to see him and LeBron on the same court. So hopefully

• 3:51Speaker 02

  Yeah, probably.

• 3:51Speaker 00

  Fingers crossed.

• 3:52Speaker 02

  Fingers crossed. It's still two weeks for somebody to get injured.

• 3:56Speaker 00

  And LeBron takes, you know, a week on, week off, so he's at that age.

• 4:00Speaker 02

  Yeah, you know, when you're, you know, 80 years old and still playing ball, things break. So, but anyhow.

• 4:08Speaker 03

  Hey, Jason Aldean's 48 today, too.

• 4:10Speaker 02

  Who? Jason Aldean.

• 4:11Speaker 03

  Jason Aldean.

• 4:12Speaker 00

  I did not.

• 4:13Speaker 02

  He did not know that.

• 4:14Speaker 00

  Music from him. I thought about it, but I figured Justin would slap me if I did, so.

• 4:20Speaker 02

  Probably.

• 4:20Speaker 00

  I chose not to.

• 4:21Speaker 02

  Probably a good choice.

• 4:22Speaker 03

  No country allowed.

• 4:23Speaker 02

  Probably a good choice. Um, we got a couple of good questions that popped in here. We'll, we'll get to those in just a moment. Um, but, um, yeah, markets, you know, pretty, uh, pretty interesting week. Actually been a pretty interesting couple of weeks. Um, with kind of what's been going on in Washington and what's been going on with, with tariffs and, you know, the, the conversation around that. You know, like I said earlier this year, you know, we, every year we have a, a word of the year. Uh, a couple of years ago was transitory with, uh, when it came to interest rates and, and inflation. Obviously that was incorrect and wrong. However, the Fed kept saying the word transitory, uh, throughout the year.

• 5:06Speaker 02

  Uh, this year, I think that that word is going to be tariffs and that's going to be the word of the year. Um, going forward. And so every time that word is, is uttered, um, from either the White House or from the Federal Reserve or from, uh, the, the powers that be, um, that is going to be kind of the thing that kind of royals the markets, whether it be positive or negative. Uh, there really isn't no way to tell on that, but, um, you know, depending upon which way the wind blows, you'll probably see markets moving. And so that's kind of what's been happening over the last two to three weeks. Um, as are the tariffs happening? Are they not happening? What's going on? And, um, you know, and when we have this over the last few weeks of markets kind of being in negative

• 5:50Speaker 02

  territory, last week in particular, uh, markets really being kind of a negative territory. And then the first part of this week being really a kind of a negative territory. It was time for there to be a bit of a bounce. Um, so today was, was kind of an, uh, not necessarily an expected day, but you would expect from some negative, uh, news that every once in a while, there's going to be a bounce at, at some point. And so today turns out to be, uh, one of those good days where there's that bounce. So, um, yeah, uh, but we had some questions that popped in. Uh, what do we got here, Dustin?

• 6:25Speaker 03

  Yeah, so how do I avoid taxes when rebalancing? Thanks, guys.

• 6:33Speaker 02

  Okay, good question, and I'm assuming we're talking about rebalancing a like a brokerage account or an individual account, like a Robinhood account or something like that.

• 6:45Speaker 03

  Yeah, that's Chris and Seth got into that yesterday.

• 6:49Speaker 02

  Okay, I didn't see that. That was was that a yesterday question?

• 6:52Speaker 03

  It came in after the show, so it was a podcast listener.

• 6:55Speaker 02

  Gotcha, gotcha. So, yeah, so this was a this was an account that obviously is an individual account or a brokerage account. And so avoiding taxes when rebalancing a portfolio can be tricky when you're dealing with something like that. So typically, what you're going to want to do is you're going to want to look for any holdings that you have that maybe are in the red, right? That are that are maybe having some negative, some losses. And so what you can do is if you sell those positions that are at a loss, but also selling some positions that are maybe at a bit of a gain, those two things could potentially cancel each other out and therefore not necessarily

• 7:40Speaker 02

  have a lower tax bill, right? So not necessarily going to avoid all taxes, but that's what we call in the industry, tax loss harvesting.

• 7:49Speaker 03

  That's right.

• 7:49Speaker 02

  Yep.

• 7:50Speaker 03

  Yep, but this is for the after-tax type accounts.

• 7:52Speaker 02

  Yeah, inside of an IRA or a 401k, doesn't matter. You're not worried about the tax. It doesn't help you.

• 7:58Speaker 03

  Right.

• 7:58Speaker 02

  Okay. They've got another question, and do you happen to know if fidelity charges for rebalancing? That's that's more of a question for fidelity. Typically, inside of a portfolio, when you have like a 401k or something like that, where you have set it up to have like an automatic rebalance, typically, there's not a charge for that. Most custodians will have like an auto rebalance feature that you can use.

• 8:24Speaker 03

  Yeah, the more they have computers to help with that kind of stuff, the more cost effective it gets.

• 8:30Speaker 02

  Yeah, it's easier to do. Yeah, so.

• 8:35Speaker 02

  Let's see here. What would you do if you woke up one morning and you looked in your Citibank bank account?

• 8:44Speaker 02

  And you saw in your checking account that there was a number in there that started with an 81, and it had 12 zeros behind it?

• 8:55Speaker 03

  That's a big number. Was that eighty one trillion?

• 8:57Speaker 02

  Eighty one trillion dollars.

• 8:59Speaker 00

  I'm rich!

• 9:00Speaker 02

  What would you, what would you buy immediately?

• 9:03Speaker 00

  I'd be pulling it out. Pulling it out.

• 9:07Speaker 02

  I don't know that anybody would have, it's not like you can go down-

• 9:10Speaker 00

  I'd pull out the max.

• 9:11Speaker 02

  There's no, no way you can go down to a, you can't go down to the, uh, the old ATM and pull out that.

• 9:17Speaker 00

  I'd pull out the max and start zelling my family. My baby, look, we can get groceries.

• 9:22Speaker 02

  We could buy eggs, we could buy some eggs today.

• 9:25Speaker 03

  Nestor's over there grinning. I know he'd buy something. What would you buy?

• 9:28Speaker 02

  What would you buy, Nestor?

• 9:32Speaker 04

  I don't know, uh, probably the Corvette.

• 9:34Speaker 00

  Oh, it's a new car!

• 9:35Speaker 02

  Buy a new car. So what happened here, this is a great, this is a really funny story, maybe not so funny. Citigroup, this happened back in April. But Citigroup had erroneously credited eighty one trillion dollars. Instead of two hundred and eighty. So somebody fat fingered it real bad.

• 9:56Speaker 03

  Instead of two hundred and eighty dollars?

• 9:58Speaker 02

  Two hundred and eighty dollars.

• 9:59Speaker 03

  Eighty one trillion.

• 10:00Speaker 02

  Put an eighty one trillion to a customer's account. And it took hours, I mean hours, to reverse the transaction. Okay, it shows up, so this was, um, this happened back in April and just came to, to light from a, uh, an article we were seeing here that popped up, uh, last Friday. So this error happened and it was missed by the, uh, a payments employee. So this payments employee at Citigroup. Missed it. Then there's a secondary. Uh, official at the bank that missed it.

• 10:35Speaker 02

  To check the transaction before it was cleared and processed, which processed the next day. And then an internal, uh, account, so now it's a third employee that caught the error.

• 10:48Speaker 02

  An hour and a half after the payment was processed. So the payment had gone in. So if you, if you had caught it within that 90 minute window, Stephen.

• 10:56Speaker 00

  They couldn't do anything about it, right?

• 10:58Speaker 02

  I I'm guessing.

• 10:59Speaker 00

  I mean, what? I mean.

• 11:01Speaker 02

  What are they gonna do?

• 11:02Speaker 00

  I I went to lunch yesterday and I I gave a tip, which is far, far, far.

• 11:07Speaker 02

  I know what.

• 11:08Speaker 00

  But it was a a little robot type thing where I was putting in the tip. And if I didn't double check, I almost tipped $80, which would have been more than what.

• 11:18Speaker 02

  What the bill was, yeah.

• 11:19Speaker 00

  But there was an extra zero on it when I'd already put the tip in.

• 11:22Speaker 02

  Oh, okay.

• 11:23Speaker 00

  Trying to tip eight bucks and it was 80. Luckily, I looked at the total or I would have been getting a text from my wife, but.

• 11:31Speaker 00

  I mean, with something like that, what? I mean, what can a person do?

• 11:36Speaker 02

  Well, my guess is.

• 11:37Speaker 00

  And the bank can do.

• 11:38Speaker 02

  Well, Citi would have obviously come back and recouped.

• 11:42Speaker 00

  Wanted their money back.

• 11:43Speaker 02

  Yeah, they would have wanted their money back.

• 11:44Speaker 03

  Definitely.

• 11:44Speaker 02

  Uh, yeah, you wouldn't have been able to walk away.

• 11:47Speaker 00

  Say I took out a couple hundred bucks and bought a Playstation or something for my son.

• 11:51Speaker 02

  Right.

• 11:51Speaker 00

  I'm like, I didn't know.

• 11:52Speaker 02

  I didn't know. You just.

• 11:53Speaker 00

  I thought I won the lottery. I don't play.

• 11:56Speaker 03

  So looking a little more, they had 10 near misses of a billion dollars or more just last year alone at that one bank.

• 12:04Speaker 02

  At one bank.

• 12:05Speaker 03

  10 near misses. Of one billion or more, which is down from 13 the year before.

• 12:10Speaker 00

  And what's amazing is it took three people.

• 12:13Speaker 02

  Yeah, that's what I'm thinking. It's like, wait, you don't have automation in the system that says, wait a minute, if there's more than nine zeros, we probably should check this.

• 12:20Speaker 00

  And do the other two still work there? I'm just saying.

• 12:25Speaker 02

  You didn't, you didn't immediately can these two?

• 12:27Speaker 00

  I was like, you're done.

• 12:28Speaker 02

  Yeah.

• 12:29Speaker 00

  That's, that's your job. But that's a big amount of money to just accidentally send over.

• 12:35Speaker 02

  I'd like to hear from our, our listeners out there. What would you do? What would, what would be the first thing you buy? If you, uh, if you could literally, uh, get the entire United States out of debt twice?

• 12:50Speaker 03

  There's actually big fines for that when they mess up like that.

• 12:53Speaker 02

  Yeah, the bank can get really hammered, right?

• 12:56Speaker 03

  Oh, yeah.

• 12:57Speaker 02

  They get in real big trouble.

• 12:58Speaker 03

  Yep.

• 12:59Speaker 02

  I, I don't know what I would buy. An apartment complex?

• 13:04Speaker 03

  Uh, at least one.

• 13:05Speaker 02

  Crystal Palace? At least one, maybe the Crystal Palace a couple of times over. I don't know.

• 13:11Speaker 00

  That's a lot of money.

• 13:12Speaker 03

  That's a lot of dough. Hey, we got another good question here.

• 13:14Speaker 02

  Yeah, what we got?

• 13:15Speaker 03

  I always wondered when you say a business will match your 401k up to 4%. Is that the norm? And if so, do you have to fully participate to get the full match? For example, let's say I have, I contribute a hundred dollars, does the business pay forty dollars?

• 13:29Speaker 02

  Great, great question. Okay, so. Yes, 4% is a very typical, normal matching contribution. When they say 4%, it is usually. Usually it winds up being like a dollar for dollar match, or you have to put in 6% to get 4%. Or there's some kind of a calculation there that would allow you to fully maximize that. So there is no scenario that I know of where you put in less than 4% and you get a full 4%. Okay.

• 14:06Speaker 03

  Well, in the way they worded this, so it's a sort of, for example, if I pay a hundred dollars, does the business pay forty? I see what they're doing there, but the hundred dollars, let's say in this example, that was 4% of your paycheck.

• 14:17Speaker 02

  Yeah.

• 14:18Speaker 03

  And it, and you had a 4% match, they're matching.

• 14:20Speaker 02

  Dollar for dollar.

• 14:21Speaker 03

  4% of the salary, not of the contribution. So you put in a hundred, they put in a hundred.

• 14:26Speaker 02

  Exactly.

• 14:27Speaker 03

  Both putting in 4% of your salary.

• 14:29Speaker 02

  Exactly, so that's the point is that if you are, if, if, if you're looking at your pay stub and you get paid a thousand dollars a week, or whatever the case is, and you're putting in 4% of your salary.

• 14:41Speaker 02

  What's 4% of a thousand?

• 14:42Speaker 03

  Forty.

• 14:43Speaker 02

  Forty bucks, right? Then you'd be getting another forty bucks.

• 14:45Speaker 03

  So you're each putting in forty in that example?

• 14:47Speaker 02

  Right.

• 14:48Speaker 03

  Yep.

• 14:48Speaker 02

  And thereby double it, you're already getting a hundred percent return on your money, right?

• 14:52Speaker 03

  Mm-hmm.

• 14:53Speaker 02

  So, yeah, and don't throw away free money. If somebody, if, if the company's gonna give you a match.

• 14:59Speaker 00

  Unless it's from Citi, or what?

• 15:01Speaker 02

  Oh, yeah, well.

• 15:02Speaker 00

  What are you talking about?

• 15:02Speaker 02

  Yeah, if, if the company's gonna give you free money, say thank you and take it.

• 15:08Speaker 00

  Get your Corvette.

• 15:08Speaker 02

  Yeah, exactly.

• 15:11Speaker 02

  We're gonna take a quick break. Uh, we're gonna have some more of these questions when we come back.

• 15:15Speaker 00

  Need to get your financial fix on the go? If so, subscribe to the Money Wise Podcast and catch up on all past shows whenever and wherever you want.

• 15:40Speaker 02

  Welcome back.

• 15:45Speaker 02

  Welcome back to the show.

• 15:48Speaker 02

  I heard they stink live.

• 15:50Speaker 00

  No way.

• 15:52Speaker 02

  I did.

• 15:54Speaker 02

  It's probably debatable.

• 15:56Speaker 00

  Yeah, I don't know. They're getting old.

• 15:58Speaker 02

  Yeah, they are.

• 16:00Speaker 00

  I've had tickets twice to see him and COVID canceled both of them.

• 16:04Speaker 02

  Yeah.

• 16:06Speaker 02

  I've never had the, the pleasure of seeing him live, but I've, I've heard it's not the greatest.

• 16:12Speaker 00

  I wouldn't doubt it. Just some, uh, some, a lot of, uh, things have happened over the years with them, so I wouldn't doubt it.

• 16:21Speaker 02

  Yeah, some, some, you know, some concerts are really, you know, you, you hear through the grapevine. It's like, do not miss this show. Tool, Tool is one of those.

• 16:29Speaker 00

  Yes.

• 16:29Speaker 02

  Do not miss a Tool show.

• 16:31Speaker 00

  I took the wife to see, uh, Stained or Aaron Lewis.

• 16:34Speaker 02

  Yeah.

• 16:34Speaker 00

  A couple of years ago and I was, uh,

• 16:35Speaker 02

  You're blown away.

• 16:36Speaker 00

  Pretty disappointed.

• 16:37Speaker 02

  Oh, you're blown away. Yeah, okay. Yeah, there's certain shows that you go to, cause you just, you don't miss that show. Tool is one of them.

• 16:44Speaker 00

  But they're humans. They have bad days.

• 16:45Speaker 02

  There's bad days too. We all have bad days. Give them some grace. But I've, I've never heard anybody that said, go to a Red Hot Chili Peppers concert and have come out of it being like, oh, I was blown away.

• 16:57Speaker 00

  Yeah.

• 16:58Speaker 02

  Yeah.

• 17:00Speaker 00

  Speaking of blown away, I, uh, swung by the grocery store to pick up some cheese and eggs. And, uh,

• 17:07Speaker 02

  Yeah.

• 17:07Speaker 00

  Even Walmart was fourteen dollars.

• 17:10Speaker 02

  For a dozen?

• 17:11Speaker 00

  I'm like, what? Fourteen? Fourteen dollars at Walmart.

• 17:15Speaker 02

  So.

• 17:15Speaker 00

  And I don't go to Walmart. I thought it would be the rollback prices.

• 17:18Speaker 02

  Yeah.

• 17:18Speaker 00

  Just until you saw.

• 17:20Speaker 02

  So here's, here's what I saw. Denny's.

• 17:24Speaker 02

  First off, who goes to Denny's anymore?

• 17:27Speaker 03

  Well, it's a popular chain.

• 17:29Speaker 02

  Well, and then secondly, now you're really not gonna want to go to Denny's because they're adding an egg surcharge.

• 17:36Speaker 02

  If you're ordering.

• 17:36Speaker 00

  So no five dollar grand slam?

• 17:38Speaker 02

  Yeah, if you're, if you're ordering the grand slam, five dollar grand slam, shoot. How old are you?

• 17:44Speaker 00

  I guess.

• 17:45Speaker 03

  I haven't been in a while. It's probably five bucks.

• 17:47Speaker 02

  Been a minute.

• 17:48Speaker 00

  It's probably been since last time I was there was five dollars, so.

• 17:51Speaker 03

  Yeah, I haven't been in a while either.

• 17:53Speaker 02

  So yeah, they're adding an egg surcharge because of bird flu. Uh, how much was the surcharge? I was looking through this.

• 17:59Speaker 03

  I asked you and then I saw it two seconds later, 50 cents an egg.

• 18:03Speaker 02

  50 cents an egg. So if you're getting the old grand slam with three eggs, you're adding a buck 50 to your meal.

• 18:08Speaker 03

  That's right.

• 18:10Speaker 02

  Wow.

• 18:11Speaker 03

  No yolks about it.

• 18:14Speaker 00

  There was.

• 18:15Speaker 02

  Oh, bad news.

• 18:18Speaker 03

  You say dad news?

• 18:19Speaker 02

  Oh, bad news. Yeah, geez.

• 18:22Speaker 00

  Sir, I'm sorry.

• 18:24Speaker 02

  Oh, boy, that's gonna be on a loop.

• 18:29Speaker 03

  Oh, please don't.

• 18:30Speaker 00

  Oh, that every time we say eggs, you're gonna hear that.

• 18:34Speaker 02

  No yolks about it. Uh, yeah, so Denny's is gonna be because of the bird flu outbreak and, uh, you know, obviously eggs are now 15 bucks a dozen at the cheapest place you can possibly find it.

• 18:48Speaker 03

  I saw a picture where the lines were out the door almost at Costco, like anytime they come in.

• 18:52Speaker 02

  Yeah, anytime they come in and it's up $10 or, you know, out the door.

• 18:56Speaker 00

  We went to Costco a couple of weeks ago and there was a two dozen limit.

• 19:00Speaker 02

  Yeah.

• 19:01Speaker 00

  So I just, I didn't even go to that section because like you said, there was a big line and that's where the milk and creamer and all that is. I was like, nope, no thanks.

• 19:10Speaker 02

  We need to get, uh, Steve Murray in here again and have him redo, redo the numbers because he said, but what was the last time he was on here? He said, yeah, after you do the feed and the, all the stuff, you might be saving like 10 cents an egg.

• 19:21Speaker 00

  Yeah.

• 19:22Speaker 02

  Yeah, no, you're saving a lot more now. Go get, go get them chicks.

• 19:25Speaker 00

  We got into that discussion because he was saying, you know, after you build the cage or whatever, feed them and wash them, clean them and everything, that you're not gonna get a big turnaround, but. By the time you get the chickens and build all this, that he he expects the prices to go down. So

• 19:42Speaker 02

  Yeah.

• 19:42Speaker 00

  As a financial expert.

• 19:44Speaker 02

  Yeah.

• 19:44Speaker 00

  Do you see this?

• 19:45Speaker 02

  The time value of money?

• 19:47Speaker 00

  I mean, who is this going to be the new norm?

• 19:49Speaker 03

  You have the value of your time invested.

• 19:51Speaker 02

  The time value of money, right? Yeah. I don't know. I mean, I'm not a bird expert, you know, so.

• 19:59Speaker 00

  Well, I.

• 20:02Speaker 00

  I mean, do, do you just go to Denny's and ax ax the eggs and get extra bacon? I mean, I don't, I don't know.

• 20:09Speaker 02

  Be like, I'll have the grand slam sans eggs.

• 20:11Speaker 00

  It's a, it's a bad time to be on an egg diet. I have a buddy that eats nothing but eggs and rice every day on his his diet, but.

• 20:20Speaker 02

  I'm on a high protein diet and eggs. It's like three eggs a day.

• 20:23Speaker 00

  Yep.

• 20:23Speaker 02

  You know, it's, uh, yeah, I'm going through a few dozen, you know, it's. Yeah.

• 20:29Speaker 03

  Talking about going through a few dozen, change of subject here. The IRS.

• 20:33Speaker 02

  Oh, geez.

• 20:34Speaker 03

  Laying off a few dozen. How'd you see that?

• 20:36Speaker 02

  Yeah, a few dozen thousand. Now they're actually getting rid of, what is it? I saw somewhere it was like seven or eight thousand.

• 20:43Speaker 03

  Seven thousand.

• 20:43Speaker 02

  Seven thousand. So the IRS, um. Right during the middle of tax season, right? So right now, um. Obviously it's tax season for all the CPAs, uh, all of us doing our TurboTax and everything else. Also businesses, right? So businesses, corporations, C corps, S corps. Anybody who wants to get their taxes done, those, those taxes are due by the 15th of March. Right? That's the first deadline. Many of those good, you know, extended out, but then you have the April 15th deadline and there's deadlines all along.

• 21:21Speaker 02

  What happened? Nobody likes the IRS. Let's not, let's not, uh, dance around it. Nobody really likes the IRS.

• 21:30Speaker 03

  Unless you're an agent listening.

• 21:31Speaker 02

  Unless you're.

• 21:32Speaker 00

  Tell us how you really feel, Justin.

• 21:34Speaker 02

  But. You know, you feel bad for these folks. It's their job, right? It's the, you know, it's putting food on the table for them and their families, right?

• 21:41Speaker 03

  Yep.

• 21:41Speaker 02

  Um, and now. What happens if you're expecting a refund? How much longer is it going to take for you to have your taxes? Pushed through the the system.

• 21:55Speaker 03

  Well, I don't know the total numbers, but I do remember headlines a couple of years ago when they were doing a lot of hiring. It was eighty.

• 22:00Speaker 02

  They were one of eighty seven. And that was though that was replacing. Most of that was actually replacing the attrition from prior years of of guys retiring.

• 22:09Speaker 03

  Yeah.

• 22:10Speaker 02

  You know, employees that were retiring. It wasn't really adding. That was always the the misnomers. Oh, they're adding ninety thousand agents. They were just replacing the ones that were retiring for the most part. There were a few added, but that's all gone. And so now it's. Now we're getting rid of another seven thousand that were probationary employees and.

• 22:30Speaker 03

  Well, anecdotally, I do know a lot of folks that have struggled to get someone on the phone when they call. So they're already.

• 22:37Speaker 02

  Yeah.

• 22:37Speaker 03

  We'll call it short staffed, right?

• 22:39Speaker 02

  They were already short staffed to begin with. Dustin, you work with a bunch of CPAs, right? I know I work with a ton of different CPAs. If I've ever reached out to a CPA and asked him, hey, how long is the wait time you're calling a IRS to get a question answered? They're like, I'm sitting on hold for two and a half hours.

• 22:56Speaker 03

  Right.

• 22:57Speaker 02

  Two and a half, three hours. I don't have that much time to wait. They're just sitting. They just put on put on speakerphone and just wait for and they're doing the rest of their job, waiting for the the phone to get answered. So, yeah, I mean, it's.

• 23:12Speaker 02

  Don't expect your returns to come back super quick is what I'm saying.

• 23:18Speaker 03

  Really?

• 23:19Speaker 02

  Yeah.

• 23:19Speaker 03

  After these layoffs, because I've had a couple buddies get them within the a week or two.

• 23:24Speaker 02

  Well, if it's a simple return, if if you have a really simple return and there's not anything that's kind of nuanced.

• 23:33Speaker 03

  Yeah.

• 23:33Speaker 02

  Then then, yeah, you're probably the, yeah, the ten forty easy. And it's like the one pager. You're probably going to be all right.

• 23:39Speaker 03

  Turbo tax.

• 23:40Speaker 02

  Yeah, you're probably going to be all right. If you have anything that's weird, you know, rental properties or weird depreciation or anything like that, that has to be double checked or triple checked. I mean, it's probably going to take some time.

• 23:53Speaker 03

  We'll have Duffield here in a week or two, so.

• 23:56Speaker 02

  Duffield will be able to answer that question. I'll ask him how long he has to sit.

• 23:59Speaker 03

  If he's still not on hold.

• 24:01Speaker 02

  Yeah, I asked. I actually talked to him earlier this morning and about another issue. And yeah, he's probably sitting on hold right now.

• 24:08Speaker 02

  Yeah, but yeah, that's what's going on. So if you have a more complex situation with your taxes, you might be waiting for a while to get that stuff taken care of.

• 24:17Speaker 03

  You know, I was shocked. I saw the other day, it's a pretty high percentage that are not complicated, thankfully.

• 24:22Speaker 02

  Thankfully, yeah.

• 24:23Speaker 03

  Eighty-five or ninety percent.

• 24:25Speaker 02

  Are doing the one pager.

• 24:26Speaker 03

  Forty, one pager, yeah.

• 24:27Speaker 02

  Yeah.

• 24:28Speaker 03

  Whether it's TurboTax or through an accountant.

• 24:30Speaker 02

  Well, I think the, the reason for that is when they changed the, the rules on the standard deduction, right? There's not a whole heck of a lot of itemization on your taxes because they raised that standard deduction so high.

• 24:42Speaker 03

  Right.

• 24:42Speaker 02

  To where it made it easier to just kind of just do that, that simple form. But folks that do have to do the itemization, that's going to be the part that becomes a little bit more questionable.

• 24:54Speaker 03

  Egg comment that came in.

• 24:55Speaker 02

  Uh oh.

• 24:55Speaker 03

  If egg prices continue to go up, they should send stimulus egg prices and then he, then he should start a new promotion. Bring your own egg.

• 25:03Speaker 02

  BYOE.

• 25:05Speaker 03

  BYOE.

• 25:07Speaker 02

  I like it. I like it. Hey, we're going to take a quick break. When we come back, uh, we are going to be getting down to business with the edible schoolyard. Be right back.

• 25:16Speaker 00

  If you're a business owner who provides a retirement plan for your employees, contact Money Wise Wealth Management to see if you're maximizing your options and minimizing your liabilities. Money Wise 401k plans are customized to you and your company's needs. Six, six, one, eight, four, seven, one, thousand. That's six, six, one, eight, four, seven, one, thousand.

• 25:38Speaker 02

  I am one of those. Welcome back to the show.

• 25:47Speaker 03

  There's the green day.

• 25:48Speaker 02

  Little, uh, neurotic, little neuroticism over here.

• 25:52Speaker 03

  Not by our guest, though.

• 25:53Speaker 02

  Not by our guest, just by me.

• 25:57Speaker 02

  Welcome back.

• 26:01Speaker 02

  We're back Money Wise Show, joined right now by Dylan Wilson, the Executive Director of the Edible Schoolyard. You've been on the show many times before. This is what? Third, fourth?

• 26:14Speaker 05

  I think third or fourth. It, yeah, this is, I was just saying, this is my favorite show.

• 26:19Speaker 02

  Well, because it's the only show to be on.

• 26:22Speaker 05

  Okay, alright.

• 26:24Speaker 03

  Well, thanks for being here.

• 26:25Speaker 05

  No, I always love getting to chat with you guys.

• 26:28Speaker 02

  It's a, it's a lot of fun. So, tell us, tell us what's going on with, with, what's going on at the Edible Schoolyard?

• 26:36Speaker 05

  Yeah, the Edible, right now, I mean, I'm in my garden clothes today. For those of you who aren't watching, I'm in my garden clothes right now, because we were out at the garden today, working in the garden, spreading some woodchips, getting ready for our plant sale, because this is primetime for us.

• 26:51Speaker 02

  Yeah.

• 26:52Speaker 05

  The weather's heating up, our crops are starting to grow really quickly. So, yeah, we're gearing up for the spring season. We've got a lot going on right now in so many different ways.

• 27:03Speaker 02

  Yeah.

• 27:04Speaker 05

  But it's, it's just that time, wonderful time of the year. I think everybody's kind of happy because of the heat is coming back.

• 27:11Speaker 02

  Yeah. So, tell us really quickly, if, for people that are crawling out from underneath a rock right now and have never heard about the Edible Schoolyard, tell us the mission of the Edible Schoolyard, who it supports, what districts, and, and what it, what it is really, what it really entails, and, and who it's for.

• 27:31Speaker 05

  Absolutely. So, first off, welcome if you're coming from out of the rock.

• 27:34Speaker 02

  Yes.

• 27:34Speaker 05

  Glad you're here. So, the Edible Schoolyard, Kern County, is a program of the Grim Family Education Foundation. Our mission is to inspire students to have a healthy relationship with food. We do that through experiential learning in our garden and kitchen classrooms. So, when I say garden and kitchen classroom, I, it is exactly that.

• 27:52Speaker 02

  It's farm to table.

• 27:52Speaker 05

  It is farm to table at the max. We've got a, a one acre garden on our site, different sites throughout the community, with attached kitchen classrooms where the students go in and learn how to create a recipe. So, We work, um, we work with Buena Vista Elementary at the Buena Vista Edible Schoolyard. And then we work with Grow Public Schools, which were founded by the Grimm Family Education Foundation in Arvin and in Shafter.

• 28:15Speaker 02

  Okay.

• 28:16Speaker 05

  And then that was, you know, since inception, when Barbara Grimm Marshall founded the foundation and had the vision for opening up the schools in the Edible Schoolyard program, we've grown to work with other schools and community organizations to build out additional food literacy programs. So McKinley Elementary, working with Bakersfield City, working with CSUB right here across the street with their edible garden.

• 28:40Speaker 02

  Absolutely.

• 28:40Speaker 05

  Whitley Elementary and a number of other groups such as the Apple Corps Project with their Gray Street Garden, Bakersfield College. And we just started to work outside of Kern and are developing a program up in Marin County.

• 28:54Speaker 02

  Oh, really?

• 28:55Speaker 03

  Right.

• 28:55Speaker 02

  Wow.

• 28:56Speaker 03

  That's great.

• 28:57Speaker 02

  Getting, getting more regional. Forget about Kern County. We're gonna, we're gonna spread this all around the world.

• 29:01Speaker 05

  Oh, no, this is our home.

• 29:02Speaker 02

  Yes.

• 29:03Speaker 05

  This is where, this is where our roots are.

• 29:04Speaker 03

  Definitely.

• 29:05Speaker 05

  Yeah.

• 29:05Speaker 03

  See what you did there.

• 29:06Speaker 05

  Yeah. That was not intended.

• 29:09Speaker 02

  It was totally, we're gonna go with it. It was totally intended. Um, but yeah, so the, the impetus though is obviously for food education and like you said, uh, getting, having these, uh, kids, elementary and junior high kids to have a, a healthy relationship with food.

• 29:27Speaker 05

  Yep.

• 29:27Speaker 02

  And like you said, if you've never gone and, and done a tour, you guys have done tours before and you see this garden, it's, it's absolutely gorgeous. Um, I've been to the one down off of Buena Vista and really beautiful, uh, grounds. Um, everything right there. And then, like you said, attached to it is the kitchen right there where you're, they're making the, the food right there onsite. And there's your salad, there's your asparagus, there's your, all of the stuff is right there.

• 29:58Speaker 05

  Exactly.

• 29:59Speaker 02

  And it's amazing. It really is an amazing thing. Um, additionally though.

• 30:04Speaker 05

  Mm-hmm.

• 30:04Speaker 02

  And we'll get into this here is, well, before we get to this, I'm gonna bury the lead here.

• 30:11Speaker 05

  Put a pin in it.

• 30:11Speaker 02

  Put a pin in that.

• 30:14Speaker 02

  You were talking about the, um, the plant, the, the, the, the plant buy, right?

• 30:20Speaker 05

  Plant sale.

• 30:20Speaker 02

  Plant sale.

• 30:21Speaker 05

  Yep.

• 30:21Speaker 02

  Uh, what's going on with that?

• 30:22Speaker 05

  So that is one of the few opportunities that we have the year, in the year for the community to actually come in and see our program and what we're doing. Um, so we've been having our plant sales since 2014. Um, and what we do is we work with the students and our staff. They plant out, um, vegetable transplants for home gardeners here in Bakersfield and their surrounding region to come to our, come to our location, purchase the plants, take them home to their home gardens and then grow them themselves.

• 30:52Speaker 02

  Wow.

• 30:52Speaker 05

  Um, it's a wonderful community event. Typically the weather is fantastic. Uh, we have educational workshops, um, throughout the day where we're actually teaching and, and that's what we do best, right? We teach.

• 31:03Speaker 02

  Yeah.

• 31:04Speaker 05

  Um, and we teach people how to feel empowered to grow their own food at home. So we have multiple garden workshops through the day. All of our educators are there to provide tips and tricks on how to do it and how to do it in a way that's sustainable for you at home, um, to produce your own food.

• 31:19Speaker 02

  Without the use of like pesticides, herbicides, you know, keeping it all organic.

• 31:23Speaker 05

  Absolutely.

• 31:23Speaker 02

  Yeah. And healthy and all of that.

• 31:25Speaker 03

  You mentioned good weather. Is this coming up soon?

• 31:27Speaker 05

  Yeah, this is going to be Saturday, April 5th. So it's going to be from nine to one, uh, on the corner of Panama Lane and Buena Vista Road in Southwest Bakersfield.

• 31:35Speaker 02

  Nice.

• 31:35Speaker 05

  Um, encourage you to get there early. Um, typically by about noon, it gets to be Slim Pickens.

• 31:41Speaker 03

  Hmm.

• 31:41Speaker 05

  Um, but it's very, it's a very popular event. Um, we see people of all experience levels. We see the person that's been gardening for 50 years and the person that's starting, you know, buying their first tomato plant. So we're here to educate and to provide knowledge and transfer that knowledge to the community through this event. Um, there's also a lot of fun stuff, right? We talk about our kitchen classroom. We also create really fun recipes that we're able to showcase through this event. So we'll have our wood fired oven going, firing pizzas through the day for purchase and then other small bites that are curated by our wonderful, amazingly talented kitchen team.

• 32:19Speaker 02

  That's awesome.

• 32:20Speaker 05

  Yeah.

• 32:20Speaker 02

  Really awesome. Well, you also, um,

• 32:24Speaker 02

  Do a little something with olives. And I absolutely love this. And every time I'm able to find this particular product, I grab at least two or three bottles because I go through it so fast.

• 32:39Speaker 05

  Yeah.

• 32:40Speaker 02

  It's amazing. Tell us what's going on.

• 32:42Speaker 05

  So we actually produce at the Edible Square, the Buena Vista Extra Virgin Olive Oil. We have 370 olive trees that surround our property. And every October, we harvest those olives and press them and make the wonderful olive oil that we have here right now. It's been a, this has been a really fun project for me to work on, getting to learn more about olive, how the olive oil process works and also the economic scale.

• 33:10Speaker 02

  Right.

• 33:11Speaker 05

  From a global perspective of what California olive oil means. But you can find our olive oil. You know, people oftentimes ask, how do we support your program? The first way that you could support our program is going to buy in a bottle of olive oil. And it's sold here in town at Lassens, at Wooddale, at Archer storefront. Go to those places, look at the olive oil, take a look at it. It has our story on the back. It's a beautiful bottle.

• 33:35Speaker 02

  It really is.

• 33:36Speaker 05

  So the, the history of this, though, was Barbara Grim Marshall, who founded the Grim Family Education Foundation. Her husband, Darcy Marshall, planted these trees in 2011 with the intent of being able to provide a showcase, right, of sustainable food being grown here locally in the region. And what better way to find a wonderful product that sometimes you overthink. A lot of people overthink olive oil.

• 34:00Speaker 02

  Yeah.

• 34:01Speaker 03

  Yeah, it's wonderful.

• 34:02Speaker 02

  And I use it in pretty much everything. I've, I've stopped using any kind of butter or anything like that. For like, I use it for pretty much anything that I cook. I'm using this olive oil and it's, it's so, so good, so tasty. We're going to take a quick break. And when we get back, we're going to talk a little bit more with Dylan, the Edible Schoolyard.

• 34:19Speaker 00

  Have you been putting off your finances? Seize the day. Call the Money Wise office at 661-847-1000 or email [email protected] for more information on how our financial advisors can help your financial situation.

• 34:48Speaker 02

  I'm gonna have to ask Steven.

• 34:53Speaker 02

  What the heck?

• 34:56Speaker 05

  Why that one Steve?

• 34:57Speaker 02

  Well, it's Friday, I guess.

• 34:58Speaker 00

  What was Popeye's Old Lady's name?

• 35:00Speaker 02

  Olive oil.

• 35:02Speaker 00

  She's Friday, it's Friday.

• 35:06Speaker 02

  Holy cow.

• 35:07Speaker 05

  Was there anything subliminal with Green Day earlier?

• 35:10Speaker 02

  Yeah, a little bit.

• 35:13Speaker 00

  I got egg songs too, we could do this all day.

• 35:16Speaker 02

  Yeah, let's not.

• 35:20Speaker 02

  We're back. Maybe.

• 35:25Speaker 00

  And this is our final show, thank you for joining us.

• 35:27Speaker 02

  Yes, exactly. It was a good run for 23 years. Appreciate you very much.

• 35:32Speaker 00

  Save the best for last, right?

• 35:34Speaker 05

  That's right.

• 35:35Speaker 00

  My dad's gonna slap me because I had Stevie Ray Vaughan.

• 35:38Speaker 02

  Oh yeah, well we can say that for next Friday. Oh boy. Welcome back to the show. Uh, we're here with Dylan Wilson from the Edible Schoolyard. He's the executive director out there, doing a great job with the, with the Edible Schoolyard, with the kids and with the growing of the goods, growing of the food. So, we, we were kind of cut short with the olive oil and kind of what's going on with the, the trees and everything. So, we were talking about how each bottle is, is kind of hand bottled and you were talking about how it's, you can find it at Lassens and what were the other two?

• 36:16Speaker 05

  Wooddale and then Archer the storefront.

• 36:18Speaker 02

  Right. Now, all, I missed it, but I want to make sure we're correct on this. All of the proceeds from that goes back into the programs that you are presenting at the Edible Schoolyard, is that correct?

• 36:31Speaker 05

  Correct, goes straight back to it.

• 36:33Speaker 02

  Straight back to it.

• 36:34Speaker 05

  It's a very direct model that we've built, um, to be able to support the program in, in a certain way. Um, and it's also just a, like I said earlier, it's a showcase of what can be done here in Kern, right? And there's, there's a number of wonderful olive oil growers here that are producing great products. This being one of them that is, you know, it's uniqueness really comes from the point that it goes back to the kids here in Kern County.

• 37:01Speaker 02

  Right.

• 37:02Speaker 05

  To support the Edible Schoolyard, support our network in Arvin and Shafter.

• 37:08Speaker 02

  And across the state.

• 37:09Speaker 05

  And across the state now. So it really is a true testament to what Edible Education can do and what a product like this, you know, grown in Kern and how it can support something.

• 37:18Speaker 02

  Well, and also when you're, when you're teaching these kids about agriculture and, you know, food processing and, you know, organic, you know, you know, food processing and everything. And you're doing it in a way where here we are in Kern County. We are literally in the breadbasket of California.

• 37:38Speaker 05

  Yeah.

• 37:39Speaker 02

  Right? We produce, we're the, well, we always kind of flip flop whether we're number one or number two. We're the number one producing agricultural county in the, in the country.

• 37:50Speaker 05

  Mm hmm.

• 37:50Speaker 02

  Right? And we're right here in our own, in our own backyard. We should be teaching our own children.

• 37:57Speaker 05

  Well, and here's.

• 37:57Speaker 02

  How to do it.

• 37:58Speaker 05

  Here's what's wild and here's the huge disconnect is that we're growing a majority of the food that go, that supplies the country, right? And, and the world.

• 38:06Speaker 02

  Right.

• 38:06Speaker 05

  With bulk goods and all of the above. I'm not going to go into that, but if you look at the wellness dynamic that's connected to that.

• 38:12Speaker 02

  Yeah.

• 38:13Speaker 05

  We are very, very low in the ranks of counties in California in terms of overall health and wellness.

• 38:19Speaker 02

  Right.

• 38:19Speaker 05

  We're, we are a hardworking community.

• 38:21Speaker 02

  Yeah.

• 38:22Speaker 05

  We have very, very true values that are, you know, go into what's created this, this community. Yet we need to start looking at the wellness component, right? We're 54 out of 58. That's the exact number that we're at in terms of ranking for overall obesity and diabetes. Well, the three of us sitting here, I'm not going to, I'm not talking about you Nestor because you're the next generation, but we're not going to change our habits as easily as a kindergartner will.

• 38:51Speaker 02

  Right?

• 38:52Speaker 05

  That's true. And we often hear, oh, my child's so picky, this, this and that. Yes, they're going to have food aversions. Of course they are. It's weird. It's something that's in their head, but if you can bring them a part of the process.

• 39:01Speaker 02

  Like here, eat some broccoli.

• 39:03Speaker 05

  Yeah, but, but it's not just that. Let's teach them how to do it in a way that's fun.

• 39:07Speaker 02

  Yeah.

• 39:07Speaker 05

  Um, and I go back to that healthy inspiration, right? We're going to engage them in the process all the way through. So then at the end of it, they're going to want to eat it. Uh, and it's proven, we've, we see it happen every single day and we want our students to have a wide variety of foods that they're exposed to so that they can make that choice when they're our age.

• 39:25Speaker 02

  This is great Dylan, and we got a message that came in is, is the edible schoolyard only open to certain schools? Or can anyone help out the, the program?

• 39:34Speaker 05

  That's a great question. So our programs are specific to the campuses that they're on.

• 39:39Speaker 02

  Mm-hmm.

• 39:39Speaker 05

  Um, so our Buena Vista program, for instance, uh, we work primarily with the students of Buena Vista Elementary. But the Buena Vista Edible Schoolyard has a three week summer camp in June, the first three weeks of June, that any student, um, that's entering second to sixth grade can attend. So, uh, signups for that will come up in late April. It typically sells out in a couple hours. We have 90 spots and they go lightning fast.

• 40:04Speaker 02

  Yep. We'll make sure to put that onto the podcast notes, right Stevie?

• 40:07Speaker 03

  Yeah, and I, I think the spirit behind Dale's question here might've been, is there a way for the public to help at all? I don't know if there's opportunities there or not.

• 40:17Speaker 05

  There, there aren't a lot of opportunities, right? The plant sale is that big engagement opportunity. So just alongside the olive oil, we also have a fall event called Toasted Taste, which I've been on and chatted with you guys before.

• 40:28Speaker 02

  Right, right.

• 40:28Speaker 05

  Um, but plant sale and buying the olive oil is that direct hit.

• 40:33Speaker 03

  Great question Dale.

• 40:34Speaker 05

  Thank you Dale.

• 40:34Speaker 03

  Let, you know, we have such a great community that's always looking for ways to give back. So come out to the plant sale and, uh, also go buy the olive oil.

• 40:42Speaker 02

  Oh yeah, it's really good, really good. Um, take shot glasses.

• 40:49Speaker 03

  I've heard people doing that, taking a shot of olive oil.

• 40:52Speaker 05

  Yeah, we taste it by the spoonful. Every year when we get that first press, we're, we're tasting it and our olive oil is actually pretty unique because it's grassier. Uh, we're one of the first to harvest, has a lot of more, a lot more green fruit in it. So it's going to have a unique flavor. Try it.

• 41:06Speaker 03

  So I've got a question, when it doesn't taste good, what's wrong? Or does it ever not taste good?

• 41:11Speaker 05

  Ours always tastes great.

• 41:11Speaker 03

  Yeah, there you go.

• 41:13Speaker 02

  Wrong question.

• 41:14Speaker 05

  Oftentimes if you.

• 41:15Speaker 03

  You know, things go bad. They go rancid.

• 41:17Speaker 05

  They can go rancid. Use your olive oil. There's no such thing as a good aged olive oil. You should be eating it as fresh as possible.

• 41:24Speaker 02

  Right. You don't want to, you don't want like six years old or whatever. Yeah. No. Get it.

• 41:28Speaker 05

  Use it up and eat your vegetables. Yeah.

• 41:30Speaker 02

  So, yeah, I mean, that's the way to do it. The way to do it. So, uh, thank you very much, Dylan.

• 41:37Speaker 05

  Thank you guys.

• 41:38Speaker 02

  From the Edible Schoolyard. Great to have you on, on the show today. Thank you very much for everything that you do for our community and, and everything.

• 41:44Speaker 00

  And Justin, you're the cook.

• 41:46Speaker 02

  Yeah.

• 41:46Speaker 00

  That I always go to. I mean, do you use a lot of olive oil?

• 41:48Speaker 02

  I do.

• 41:49Speaker 00

  When you're cooking?

• 41:49Speaker 02

  Yeah, I use it for pretty much everything.

• 41:51Speaker 03

  Did you say you stopped using butter?

• 41:52Speaker 02

  I've, I've stopped using butter.

• 41:54Speaker 05

  Yeah. What a wild man.

• 41:55Speaker 03

  I know. It sounds like a sin, but.

• 41:56Speaker 02

  Yeah, I don't, I don't, when I'm, when I'm frying up stuff or whatever and I'm doing, you know, and when I used to use butter, now I'm using this, this olive oil. It's really that good. So, um, yeah, when I'm frying up a steak or something like that, yeah.

• 42:09Speaker 00

  Well, I'll be going by Laston's on the way home.

• 42:11Speaker 02

  Yeah, definitely. Wooddale's, it's over there too.

• 42:13Speaker 05

  Yeah, go to Wooddale. You can get a chunk of beef and, uh.

• 42:16Speaker 03

  And then that third option, Archer, the storefront. Is that the, um, it's a furniture store, isn't it?

• 42:20Speaker 05

  It's a design studio. Yeah. And they have a couple of different gift items. They've got olive oil there. Uh, they've got olive and coke. They've got their own line of candles, which are really great.

• 42:31Speaker 02

  Yeah.

• 42:32Speaker 05

  That my wife makes.

• 42:33Speaker 03

  Oh, how about that?

• 42:36Speaker 02

  Hey, I wanted to also say, send out a quick congratulations to the folks over at the mayor's ball. Uh, it was, uh, just, uh, last weekend, did the mayor's ball and they raised almost $2 million.

• 42:48Speaker 03

  All right.

• 42:48Speaker 02

  And it's still more donations coming in. Great community, great event. Uh, almost $2 million raised at that one event for the mayor's ball.

• 42:56Speaker 03

  Fantastic.

• 42:57Speaker 02

  Uh, have a wonderful weekend, everybody. Be smart, be safe, be money wise. We'll see you next week.

• 43:02Speaker 01

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