Do DINKs Have More Fun (and Money)?
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Guys.

i'm racial cruise.

I'm George camel, and this is smart money. Happy hour.

cheers. Good cheers.

Very refreshing. That's a delight. I mean.

not mad at all. D.

D, I don't get that does not make me at all right. This is this show. We're two friends who happen to many experts talk about what you're talking about, everything from pop culture, current events and money.

And today we're talking about drinks, if you know, you know and if you don't, i'll tell you that's the point of this poddar ast.

before we talk about dks, shall we talk about drinks?

I didn't in the question to see that.

I did up at the end. Should we talk about drink we .

are sipping on and isn't SHE lovely, which I believe is named after producer called day. That's the atomic logy. It's where IT came from. I don't make this up killing and it's a lovely drink so far, so sick around to the end of the episode, we're going to give you our rating, reveal the copa glass and is always the recipes in the shown ows if .

you want to skip ahead. Yeah all right, George, have you ve seen the internet trend danks? But like I know if that term has been around, which is will just spoiler alert.

should we sure I was going to go to the very names?

Just tell him dual income, no kids. But there's like a trans on instagram where like we're doing, of course, we sleep eight hours a night on a tempietto night mattress course.

we take three week vacations to europe.

Yeah, we're danks right. So it's like this, like freedom living right before kids, dual income? No.

no kids.

okay. So in twenty twenty one, the from pew research center, they found that forty four percent of people from ages eighteenth of forty nine who are currently without kids say that they are not likely to ever have children. Wo and that had interesting forty four percent.

That's a big range. Eighteen forty nine, which is like adults aren't retired, have of them basically said, yeah.

not going yeah. And forty four percent that's high.

close to half wow. Well, even if you look back hundred years ago, having kids was more necessity than a choice. What you needed, the village. Now that child labor laws exist, you can't pull your fourteen kids at a great school to haven't be unpaid labor on the family farm for harvest. Different times we live in Rachel.

There are some legitimate reasons though while people you know maybe don't want kids of they are choosing and and sometimes it's not they're choosing right the idea of having children um everyone has .

got their reasons .

for sure yeah and I mean first and for most why people aren't when you look at me infertility.

we should call that out at the top, very top here because a lot of people want kids. They're unable to have the and .

that's throwing at a rapid right as well, right? So that's a whole conversation going on. But that's when a reason another ther's career. Some people just you know they want to dedicate their time and their energy towards .

their career and parent and work sixty hours a week can do all this. You grow your career or get further education, all that's just harder when you're apparent .

absolutely increase .

the access to travel. This one's interesting. The ability to travel has highlighted alternative of cultures, ways of living that are communal but less nuclear. Your family focused and travels tougher with kids. So if you anna, go like i'm going to live in coastal rega for a half the year, there's just tough to do pulling kids around and pulling them out of .

school and all that. So sure. And I do think the ability to travel is so much easier today.

IT was you think back and like the eighties or the seventies, right? I'm like you like there's apps and deals and like you can kiss the places, be informed so much faster, right? So even that the travel opportunity.

I like to do a two week trip like I got to find a sitter for two weeks. And if you don't have family that you trust.

let's to do. And mean, I made all the advancements. You know, healthwise people are able to have kids later in life, and even space amount if they choose to, right? We've been the time mine on which you children yes, this can be some planning there.

Another one is interesting is just individualism. As a society, we've become more self sustaining and maybe self center. I'm not saying that yourself, you don't have kids, but there's a piece of IT where you don't have to reproduce to have a life that feels full and social and entertaining. You can just pay for things maybe, but I would argue that have money, I feel like I have a purpose I didn't know existed now as a father. You mean it's not to say you don't have purpose if you know kids I just like like there's this wow, there's a responsibility of like I had get to raise this human up to hopefully a great .

adult is a whole other part of yeah life that opens up yes but something .

no i'm good yeah and that's fine. They do also a .

chaotic world. You know, we see the news. We see what's happening. I mean, it's just what I really have eaten y for.

I get IT. I mean.

some people like, I don't want to bring my kids into. I don't want to bring kids into this world and you know, for some people I gets going and is getting worse and worse and worse than why bring kids in yeah .

it's a very sad, pessimistic outlook. But I get IT. If you just look at headlines and go listen, the world's going crazy and I don't want my kid in this environment and i'm going to have to deal with this and i'm responsible for what happens to them.

So I get you another one is equal opportunity. The ability for women to have their own bank accounts work the same jobs. That's only a few decades old.

So I think that level of autonomy um you women can earn money more independently. They're able to take a step back and think about what kind of life and career do I want and that doesn't always involve kids. Where is back in the day, he was more traditional roles.

And you have kids, you take care of the family. That's what for sure. Times have changed.

And also the generational baggage pack IT up. Let's, let's don't pack IT, if you will. You know what I mean, you never really obviously self help. People have become more software, are seeking, you know, therapy, all of this. And I think the more you realized, oh my gosh, I don't know if I want to bring kids into the generation mess of a family eve and right, like there's the world and the family dynamic, there's been a lot of pain and trauma a ah and people like I I don't want .

to bring kids and I don't want to eat the cycle. I don't want to pass on this DNA and I think we believe that you can change your family tree yes.

anyway, spare as well. Yeah, more. There's also adoption. So the need for adoption, Foster care, all of that. I think again, as we get more information to the world, even parts like this of life, you are exposed to and realize on, my gosh, real numbers, real data, seeing and experiencing, you know, children that need a home.

And so yeah, I think people choose that have and you actually had a lady on my show, George Marcy, and they chose her, her husband, not to have kids of their own. SHE didn't even know if you could or not. She's like regardless of what my body can do, we're choosing to Foster to adopt like what they win in that says some people .

do that yeah and that's expensive which might we're going to wait later in life until .

we have our finest norther grow to adopt though whenever just five thousand dollars, it's the cheapest hotel out of domestic adoption. Okay.

talking about that. And last but not least, in the main thing we're talking about today, money. That is one of the biggest reasons it's expensive to have kids, whether natural iva adoption, raising them to a jt, which is why are drink friends out there are leaning into the season and there's making the most of IT making tiktok yeah just say this is.

I think infertility a big one for sure. Why people aren't having kids are able to. But money, I think money is like top three on the list.

I thought when I here, people say we don't want kids. It's because they're expensive. I feel like that's like it's that's that's a big one. So yeah, I would see career infertility money, I think just twenty years that I hear general .

responsibility, I think is not exciting for a lot of people.

Yes, of another. I yeah for minute IT .

takes a lot of physical, emotional, mental energy. Sure.

especially in those .

first few years. And then I don't know beyond that. But from what i've heard, they can get crazy. And how do your kids now nine.

seven, four and you .

feel like this is a great season for you guys?

Yes, this is the most fun we found.

Is that less chaotic or just chaotic?

But fun? Yeah different chaos. But they're fun. They're like you can talk to and you as much Charles, he's still for like he's still little but a million like when they hit that like .

sweet feels like a like a tiny adult SHE feels very much as an old soul could just talk to right .

now as an adult. They are so great but but that's a sweet age, because I still like, he wants to like SHE still like holds my hands or a walk. Like you still like wants to be with me. But yet SHE can like make screen bled eggs and get herself dressed like you can.

I do things wo scream with the most adults do.

I taught my kids scramble eggs and pancakes.

That's all you need to. Honestly, if you're not going na thrive in life.

but you can serve you, you get protein and a little and great cup .

pin cake festival, you don't have to do IT. That's right.

That's that's the goal. Yes, starts get lazer and lazer if you can. So I recently .

did an episode on my youtube channel about this very topic. And the overwhelmed response from people was the financial margin that's required to have and rays a kid. And once that we found was that on average, IT takes three hundred and ten thousand dollars to raise a child to years eight thousand a year or fourteen hundred hours per month if you distribute evenly, which as you know, some seasons are more expensive than others, certain ages yeah I mean, in daycare that could be fourteen hundred years without food and close.

I mean, even from the beginning, when you find out that you're expecting it's like, okay, doctors appointments and copies and the ultrasound bill and hospital bills when you have the baby and then you go into diapers, bottles, baby gear, formula, uh, insurance premiums continue to go up. The more you know kids you have, the more people on your plane. Then you talk about, yeah they care.

You talk about school tuition if you're doing your private school. Um I mean, all of that comes in the play. And then rollers when you're traveling, stroller, your travels, stroller, you get a bigger car, got three kids, you gotta get a bigger car to get a many van.

Don't put .

that body we have now. Yeah, yes, I do. Eventually.

we also come to the minivan, and then we all brag about the minivan.

Then we all get out.

and then we'll get out of IT.

Alright, right? It's just very expensive. So so giving birth to talk .

about giving worse.

on average cost eighteen thousand and eight hundred and sixty five dollars without health insurance that includes the pregnant sea delivery, post partum care, day care for one week, on average three hundred and twenty one dollars.

That checks out sixteen .

thousand a year. Yeah, a lot, a lot.

So to be fair, when we're like, just have kids, it's gna be easy and fun. There is a financial requirement, and here's the deal. We know that even if you're not financial ready, you figure that out, you make sacrifices .

and you make IT work yeah and let me just say this too. There besides a couple of these things, but overall, there is a spectrum, right? Even the stroller we joke about IT, they'll be fine in a plastic umbrella roller that's thirty dollars from homer, right?

Like they're like there's a spectrum of all this stuff of what you can purchase and but you can make IT as expensive if you wants, right? To a degree, some of these categories don't change, but some of them we can. We can be OK, right? Yes.

but I think we have way more information than our parents, and that caused us to make very different decision. So my wife is, I would say, medium crunchy like SHE gets the organic like goat toler formula instead of the whatever you know. So she's choose up there. And so IT costs more for all the yes, because he wants higher quality foods and items and it's not a judgment call of like everyone should do. This is just what we do for our family and we build IT into the budget.

yes. But to your point, it's more expensive, right? IT is very expensive, right? So we build on both sides of the coin. So I be found little prone ones. You have a little chAllenge in here.

You know, I love a good game. SHE loves a competition.

Love a good chance only if he wins.

So think turns going through some questions, talk about the constant reality, having kids, summer serious, summer fun, and all will be answered in full transparency. After your drinks drink joke, I had had a good, good. Alright, let's get to the questions.

How did you in your spouse know you're ready to have kids? Was your bus feet quiz? You talk. Why you are not how we did IT.

Um I did not want kids for a while. I was like, winston.

what I had on a year and marriage.

Ww, just ready to. And I was the classic, this is so Rachel. L, but I didn't want I was like, i'm good, i'm good, good.

And then i'm one of our friends had a baby and I went to the hospital, baby fever. Nick and dana iron, never, never forget them when in solo baby. And I like, we ve got into the elevate and I said, I think I have kids. Ow, i'm ready for baby.

IT was, IT was te must been a cute baby.

I know, I don't know. I don't know what I was. I was one of those.

See another baby. I know you've done this when you see a friend's baby and you can't say, how cute. What do you say?

They're so precious. They're .

precious in .

god's eyes. No, what you can say that that .

is a little bit too. That's too far. So .

precious a lot. So just because if I call your baby precious, that doesn't mean I think directly.

But so my baby.

me, I was super cute, super cute.

No orgel beautiful .

tiful beautiful. maybe. Yes, I was. I am just a literally a flip of the switch. I was ready five years later. I'm right.

How about you? I think we just ran out of other things to do, like gold, me that I got right, got a dog, got another dog, got a house right now, what you really mean?

What's the next step?

So I think once you just run out of entertainment, you, right, let's like the baby, entertain kids. So I think that's what happened, but also witnessed age SHE was starting to go, hey, in my early thorium, I don't want to wait too much longer to start because what if I want three kids and we want to space them out? So there is a bit of family planning you're going to do there. So so I feel like come on again after dealing with two french bulldogs and wipe in their buts. It's like what's another but what is one more?

But I still can I just can't believe you'll do that. I can. I just can.

Would do you not do IT for .

your daughter talk my baby? Yes.

I make your dog. There's not much difference with a dog. My daughter doesn't sleep in the bed with us. My dogs do. That's a level of intimacy that very .

few know that sometimes .

I hold her a pot night night. It's very comforting.

Where is john .

the loni when you need to be psychoanalyzed holding .

the dark PaaS?

That's real life. okay. Next question.

Um what's one surprising cost of having kids that you did expect?

Oh, that's a good one. I will say the formula I didn't realize, especially the types that we get, how expensive that is and how much they go through. Yes, it's first costco because my wife stays home now so we don't have daycare, but we also lost your income there. So that's that's a cost here here .

yeah totally worth IT. How about you? I would say baby wise IT was the diapers.

I remember when things out to get divers like, I don't know the first week or something else, I just get that little pack if we will go up this week getten get more goes through a pair and like A I mean is crazy so I A thinking me what oh my gosh and you got to buy a big box and that's expected. They are expensive. So and I didn't get like the crack magic pampers. So IT wasn't even like nice.

I thought that was the good name brand. No.

I think like the organic, the honest brand. I think there was like, yeah something like the organic type is so we didn't .

do it's disposable underwear. Guys, let's remember that we were talking .

you do you want to do close types at all?

No, I wouldn't let that. Now I get IT like some people.

That's the money saver. I bet there are some people out there.

I don't think I could. I don't have the stomach for IT. Yeah, we had a snake in our garage other day, and I couldn't even look at IT in the face I couldn't at.

I said, everyone else deal with that. I'm going to go in. I'll be ready to hit nine one one yeah, when the time is right.

So clean a day.

Not going to be clean out .

as anything happened so far with me that made you like be sick.

Oh, like throw a blowout.

It's all m now .

I think i've been. I've held strong. Yeah, I did IT for winning. I know SHE needs strength. I think I exude strength in our manage.

Think strange.

but sometimes I will walk in that nursery and go nop, turn on a fan. I'll be back in three. It's so aggressive.

Sometimes it's a lot, sometimes it's a lot. Okay, George, so what you think the best way to protect your family from online scanner is is .

this a trick question? Maybe delete me. Yes.

you're got a right to delete me as a great service. You all that you sign up and they go and they take all of your info off of the internet data broker websites will go and buy your data because sites that you put your data on, you do you even know soldier data? I mean, what is happening with the world? This is the world.

We don't want to bring kids into a difference. So the scammer, the scams, they are out there. So getting your data removed from the internet is so key. Delete me helps you with that.

they do IT all for you. And so i've saved forty four hours, according to the report of time IT. Save me from finding and removing all myself.

And they even have family plans that you can add spouses in kids and all their info to so they can be scrubbed the internet because I think privacy is the new it's like the new currency. We're all like in a data driven world. We're all just like.

please get me out of here yeah I don't be selling my phone number, people, my home address like it's just crazy and delete me there so thorough that when you do your profile that IT pulls like you're in laws .

although as is sure .

and I mean it's wild what IT is out there so again, delete me as such a great service.

affordable check IT out just go to join, delete me dot com slash smart money and you'll get twenty percent off for being a valued listener and viewer that's so good. Okay, link link in the description we will put you down there.

George. She's little ways for yeah three ways to save on child care off the top of your head.

Oh gosh, have amazing family that watch your kids for you. That's a life .

back this .

count like daycare and babysitting .

yeah I heard .

of this the barter system. So it's like gradually all watch your kids for night. You guys go on a date night next time you watch our kids. yes. And that way you sort of can avoid the high.

yes. And I know some mom that work part time, like even setting up this would take some planning for sure. But man, so much cheaper and any shares great too.

We have some some of the office yes, that uses this where there's like three or four kids in IT and you split the cost and it's so much more affordable yeah also to say a home parent just like what need a lot people doing that because of how expensive childcare is, a lot of people are reexamining. okay. Is that even worth me working right after taxes and everything is done like, okay, how much are we actually gaining per month?

How did your relationship with your spouse change when you became parents?

That's deep. I mean, I naturally .

I feel .

like you have less time together, but once and I are early bedtime like the kids, like it's like seven o'clock sill, like our kids I know .

imprest which .

we get on going if it's it's a big deal of the APP to light. So we do we will try to like at in the evenings have time together, but it's just IT is harder like when you try to talk to each other, it's ah people to scream matcher and wants to talk to you. In fact you know they mean like an intercepted conversation is tired.

So I would say there is a level there that changes. But then on the other ends, like you see your spouse be appearance and is beautiful that always left winstons more nurturing than I am like, he knows what to do more. And like situations they .

go to dad like to google IT .

and he's just like, yeah he like he knows the words that is like not thailand on advil.

it's the other .

big words behind them like that i'm like this. This is the hat. You can do IT every four hours, or we can rotate with this because of that.

I am like, how do you, doctor winston? How do you know about this? So like he knows a lot, is very.

very big, right? He knows the generic name for some medication that's what i've gathered is what's required for Rachel would be like you're basically a doctor if you know the genre name for the top three medications in the world. I am terrible though.

Charles broke his leg goal two, seven years ago, and I was like, he's like, after IT all happened the incident I was like, he's fine and when since like, no, he's not I think he's fine is like, he's not walking Rachel I like, okay and we should take a man broke leg then another time, a million hit her head on the coffee table and I was like, its fine like, you're okay, you're okay, it's fine and once came up from work and he looked, was like, think that is really deep my kind, do you know what's deep? But I don't know should I get saplings? So like, obviously mean, not in.

oh my god.

kind of stop bleeding also like I think you're fine, wow and out. So the medically in clients, it's not my go to. So to see to see him step into this role like he really does. He like cares for them. He's really good at stuff like he knows what to do in all of IT or i'll just like what to do.

Wow.

I would say how are .

you I would say number one, IT was deeper because of this shared experience. yep. And then IT also became transaction at first because of the like partnership would just like k, what do you need to what do you need to do? What do I need to do sort of became a good to do list of are you do this, i'll do this and there's team work there.

But it's not the same as IT was before. What did we've talked about before we had kids? Yes, you just sort of consumes a lot of your life, not a bad way, but just in all the other stuff who is just less important just talked about before.

And so we just have me more intentional once the baby goes down, like, are you doing what are you thinking of about what's going on? And just also have fun. So I try to always have moments of levity at the house maker, laugh that sort of my way of becoming a person again.

Yes, I love that. Yeah, the levity and the laughter is is very important for sure. Kay George, your number one life saver when IT comes to affording kids.

oh, my godness. Well, the budget is, I think the thing we always go back to and I always go, okay, what's in the budget? What are we planning for this month? What's happening? There's a birthday party, we get take card, the toys SHE needs new clothes, all of that.

And so that becomes the source of truth towards it's not floating round in her head. And it's not a way you spent one on what I didn't know. Everything is talked about and the budget is key in for that. We use every dollar and that makes super easy where both logged in and it's free up. I can go download right now in the ap store yeah about .

you guys yeah would say that that's a big one because I think that dictate tes and shows hey, what are we able to spend this right on the kids? And knowing I had a time too, I like IT because IT also hopes with like the schedules, which sound's silly. But you're like a soccer signs, so they are okay. So that starts in August and we got to pg get into the calendar like a kind of helps with the rythm of life too. So the every dollar up.

I would say that yeah they can go to every dollar dog comp, slash smart money to get started and will drop a link in the show notes .

and then have a line night on breach kid in the budget. We do that to you and that's helpful too, to see okay, yeah, how much .

do we spend this month? So not a big surprise or a big, oh, gosh, we're got to pay for this.

So by George, the number one question, I always get around kids of money. Should we be at a debt before we have kids?

The hot take is you don't have to be wherever you are in your financial journey. Again, you will figure this out. You will make sacrifices. Now is IT onna be less stressful if you're in a Better place financially? Absolute, yes.

But I don't like this idea of, well, when we get to this place financially, then we're onna be ready because the truth, you're never gonna ready, whether it's emotionally, physically, financially, whatever. So go ahead, have a kid. But also be doing a budget.

See how that will affect your life, see where you're going to need to cut back. So it's not a giant surprise. But if IT slows down your debt pay off.

that's totally okay. Yeah yeah. Big life moments, you know, getting married, having a kid, all of that enjoy life like you live once, right? So there is a point of like these things are important to so if that's what you want to do to start family, start of family.

But to your point is I got money as a tool in life ends. When you have more control over IT and even more of IT know you have margin, it's not going out the payments. There is going to be places that is going to be less stressful. But don't wait until that point means.

well, another piece of IT that's real as some people wait and then they realized, oh, it's taking us way longer than we thought or do you have a kid or to get pregnant and that can be a scary thing and you look back with the regret about way so long. And so I just feel like when you're emotionally ready, like you're excited, you have that moment of life, right? We're going to do this. You just figured out here's the last one that's controversial. Do parents owe IT to their kids to pay for college whose responsibility is IT.

not the parents? I think it's a gift if you're able to do that to blessing, but it's not an entitlement to know parents should not be forced to pay for their kids college. Now again, it's part of the remi baby steps.

So again, it's a huge benefit if you can and IT should be a goal right when you get to that point because that is just helps your kids out to start on a level no foundation financially um but there are ways to go to school that free, I mean at school choices always huge. Going to a community college like there's ways to do IT a lot doing gap peers even like there's other things to do. Around that subjects. So as a parents do not feel like omoo sh was terrible parents, I can provide this for my kids. They're going to be OK.

yes. Yeah agree. I think you is your obligation to have a conversation with your kid and student and figure out a plane to go to college.

Det, free. But as far as who's taken, what you know, my plan is to be able to, I think it's a beautiful thing. And even for like the grandkids, I think it's a cool life goals.

You just say, hey, got the grand kids college fun day only do alarm someone, the kids born and go. It's nice. George, get you taking care of you.

What are they to call you?

What you up on name? You know, there's an airbag name for granda that I love.

I don't know that puppy are .

you just guessed you? poppy? Poppy, oh, poppy. No, it's not poppy. OK.

what is IT? It's good. Do so is like .

the syrian, lebanese alecto soft and a huge for the egyptian side.

my dad side. That's.

let's hope that my daughter calls I like.

good, do Better. Yeah.

had a pick. And then grandma is tea. So Whitney would become teta.

Thank you. Yeah, I like that so good. I like IT Better than like me. I don't know there's, I don't. I'm not southern enough to go there.

I had a memo. You had a mama. She's passed mama .

for some reason, feels .

more authentic or so.

Witney parents, they are. They're going to be called gg.

in poppy to your crep.

In the spirit .

my mother .

and one likes a gg feels little Younger or like gram, gram or something.

yeah. Gg, cute. What are your parents? Did they go airbag?

Yeah, I mean, me a can't speak yet. So I think what .

you just said to me with me, i'm sorry, what are you going to adopt the same? I mean, you I would like to, yes, okay.

OK me as kids what they call me yeah, yeah I like, yeah, yeah. I don't can make grants. I don't don't feel like a grandpa. I'm going to live my goals to be like jeff gold bloom when i'm older still be kind of like, oh yeah 一样的。 I felt that all comes down like if you're grandpa and you have like cool glasses and you style your hair and your fashion isn't terrible, you're you can pull twenty five years .

Younger yeah that's very, very love.

But i'm excited to wear suspenders too. Want to try that because a big part .

of shorts. Wow, so good. Okay, so well.

here's the Spark notes. Free to fork in the road. I would say, be honest with yourself about what you want for your life, in your money and what your spouse wants, and look in the financial mayor and then take the steps to get there.

What is the gap? What do we what must be true for us to take this next step? And then also realized you'll never fully be ready. So if you have the some giant checklist of all these things must happen.

you'll never have a kid. Yeah, I think it's fair and I think it's also fair to say that there's you know people today that may be of that age and that longing and want IT, right? And it's just not happening right now in life for them, right? Whether maybe there they're so single or maybe they can have kids that we are talking about.

So IT, is that the whole like kid conversation? And I think that does Carry a lots right. It's a lot of emotion around this topic. But the more again, when you are in that position to say, okay, yeah, financially, how can we be smart about this and be wise in every aspect of life I think is I think is key.

You in another piece of this is don't alienate yourself. Don't alienate your single friends, like bring them into your life. And a lot of times or a single people feel like they are marry now, so they have kids now.

So I don't really feel like i'm a part of that. So you have to be really intentional on all sides. Single people marry people and they don't judge each other like the banks are likely, haha, you have kids and the kids like people with kids like we have a Better life than you. I don't like this whole like, you know no name calling and other than the fund acronym, think I just like, let's all be kind to each other and realize what all I just do in our best all .

live in our life or like me.

what has happened, right? All shall we are efficient in cozy season. I love fall were heading into the holidays and I think we could be a little cosier on smart when you happy hour, you're ready. Yes, that's Better.

What's church? Oh, my gracious. If you're listening .

at home when you're not seeing is a mamas sized oversized throw blanket from our friend's c oia.

this I waited blanket but IT is like the i've you .

might be made of real me don't know.

this is amazing. Thank you, fall.

Thank you for calling. So rates. We're heading into the holidays and a lot of people are going to get some some hugi gifts as they say, yeah, you know it's played out. You ve got the socks you you get with the gift card that we can do Better this year.

we can. And you know what our friends at kazi earth have the most incredible products. I actually have their sheet.

yeah, and they are used them too.

It's like silk. My kids were like, what what is? What is this? We got them because it's you.

it's it's about my the same thing without actually talking. But they love IT.

They love IT. And then I got a pair jogis, which I love. And then this blanket, I mean, talk thing about a fire. Think about a Christmas movie on, I mean, all of IT in this. That's a Better, that's a Better life.

Let's be once you know how there was like hot girl summer I think coy boy fall is more my speed yeah so guys make .

sure to check out kazi earth because on to state their products, the quality is unmatched. IT is so, so good. And we asked, have a disco code for, yeah, listen to a great one. Up to forty percent off.

When you use the code smart money, all one word smart money, you'll get exclusive discount for being a smart money. Happy our listener in viewer, go to cozy earth dot com slash smart money and use the code smart money over there and you'll get that discount. So be sure to checking out.

Here's what's IT really incredible. They're a ten year warranty on their bedding. I've never seen that in my life. That's incredible.

absolutely.

I've never kept anything for ten years. So the fact that I can just get more sheet .

if something goes wrong .

mazing by the my wife, I has been sleeping in there, a little like pajama situation changed her life. To be fair, he was leeming like old, like ram's sea t shirt. And I was like, this time she's upgraded big time.

So thank you. Kazi earth. And if you get a post purchase survey, make sure you told them you heard IT on this podcast. I love IT .

George to us to step away.

Okay, here we go. Ready to get on coy. Sorry, I might call cold bell. It's about sixty two degrees in here is IT.

IT is group. Well, George is almost ly ended the episode and we close out .

every episode with guilty as charged.

And this is where our producer, Kelly, gives the same new guilty to charge question every week. And if for guilty, we take a step. Kelly, alright, what's one frivolous expense that you're guilty of splurging on before you had kids?

Oh, something no longer did once kids entered the picture, right? vacations. Think that feels like an accurate one.

I feel like most things that we're for me, like if you look at our amazon target purchase history, very few things are for me at this point. Most of IT is for the baby. And so I think you just shift your spending away from personal things. And but I don't feel like i'm missing out either. Yeah, I just felt when you have disposable income and no kids.

you're just like and now I bought a pair shoes when pair shoes like this brand that I wanted the selfish and and I was like and now i'm like, I would never I never wear and I would know again that I think IT was that before kids, the drink life that you're like, oh, no, I know that that some one and I yeah that's like the one purchase that I think back on my do you still .

have the shoes? I do you still where? No, what are they doing? And let's .

there a moment of time.

but you know, we should do, I think we do a whole episode or right, you to sell her old clothes to smart money, happy out of views and listeners.

No, these were like, these were like, um they had red botton. George, oh.

they're very that .

means something.

Yes, they were like .

fancy designer's shoes, which I had never bought before. I got actually my first book. I was like, the first thing that I know. I mean, I may get like a desire purchase and then never.

Wow, I know.

but I blame the kids.

I also like, you get afford Charles king bed, so I get IT. Sacrifices must be made. I think we're both guilty. But there are all things .

that I don't miss.

How about you? I used to go.

this isn't. I used to go .

to starbucks.

And then so my kids are adopted, and when we started the adoption process, and my husband sled a piece of paper over and he said, this is what your starbucks daily is costing. And I was like, and how much that went towards? Yeah, no.

because adoors expensive. So what did he sacrifice and cut out? He's not a spender must be nice. So for him .

to say he's not a spender, but it's a treat now, not an everyday thing because .

IT was I imagine .

you are grow. No um no because now my hasn't drinks coffee. I drink coffee. My kids drink coffee here, too expensive. So, okay.

it's a coffee cafe. I imagine for the lady, the self care kind of a take a back seat when you become a mom like, you know, getting the nails done like no mesage, although winny's back in the sage mode. Can I say that because of mom hood, IT is mess up her back where he has to go of physical therapy or no so i'm like, girl.

let's get you that msg, yes, for sure at that point. See those with things that like kept me alive, not as such as, but like my nails, my hair.

You still felt .

like things like i'm a person. Yes, you know.

witney just got that. He loves now as a mom is a nice set of pjs. truly.

SHE was wearing like old like, you know, he worked arranging for nine years. We have a lot of t shirts. Every event I see them around the room, there's a new t shirt. So you get big baggie ramsey t shirts from events and then wear those every night. And SHE has like matching pj sets and SHE feels like a whole new .

person that's a grown upset for sure. When you get the matching pj.

I think so you switch out your old frivolous stuff for a new .

fancy adult stuff yeah that's just like age to unnecessarily motherhood and that's like it's an adult. It's an adult thing as a .

woman put on your restoration hardware bathrobe. I got her that for great.

good. So good, so good, so good. Well, if you guys have any fun and guilty to charge questions, make sure dms on social. Because that we check on and you give us some good one, you guys make sure to do that. And George, his finishing first.

I think a little closure.

just barely. Yeah, it's melting quickly.

This was, isn't SHE lovely again? Named afford producer Kelly, i'm going to write this. I'm going to give IT seven out of ten.

Okay, i'm going, i'm going eight, ten.

wow. Yeah, I really have no bad words for IT. I just wish I was a little bit punch.

Very small.

It's very light, refreshing. I just want a little more flavor. But I think this is A A lovely drink. The cost per glass, two dollars, ninety eight cents of glass. And here's what's in IT.

It's got vodka, fresh grape pro juice, lemon juice, elder flower, a core black for mooth, simple syrup and club soda. So there's a lot in there, but I all just kind of like melt together in this light area ever. Recent, I think, is the only word that you know.

I always think like what I ordered at a restaurant. I would not order this for dinner. Like this won't be like a cocktail of like before dinner. But if i'm at a beach .

or a pool, yes.

outside i'd like.

what's the fancy hotel that you've gone to and you felt at a place.

the burg door for something unch, yeah, oh yeah. But dfs for lunch, new city.

this is a drink, you could get a burg door, said me, very like .

classes, I for .

sure yeah. That I guess ten times cost what was two after tax and tap thirty box, there you go. Recipes in the showing. Tes, give you a try this weekend.

so great. And if you enjoy this episode, make sure to check out our episode on why people are having fewer children come up next yeah make sure subscribe you guys um we appreciate you watching and listening and we will see you next thursday on an all new episode of mart many happy hour.