1758: Ask Farnoosh: Trump Tariffs, Retirement Decisions, and Car-Buying Tips
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host of the good life project, where each week I talk to listeners about investing in the future by increasing their own vitality. But when IT comes to those financial als, whether be saving for home innovation, grow your child college md or travel life can make IT difficult to stay the course. By working with a dedicated maria adviser, you get a personalized plan and a clear path fower.

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So many episode seventeen and fifty eight asked far nesh you're listening to so money with the word winning money grow fini each day in thirty minutes ancient inspiration from the world's top business thors influence and looking for ways to to save on gas or double your double coupons sorry, you're in the wrong place seeking profound ways to live Richard, have your life. Welcome to so money. Welcome to so money everybody french abby, december six, four a new episode of asked far news we're going going to tackle your money questions I even have a question this week from the huffington post.

They reached out and they wanted to know, hey far news, what is going to go up in Price with these new trump turfs? What should we be saving up for? What should we buy now to avoid the higher Prices in the new year that's likely gna happen when these terrorists get implemented? I got answers and from our audience, folks want to know how to buy car right now.

Are there new ways to save? Are their new negotiations? What's the supply chain like with the terrace too? What should they do? And then if you're at a company and your employer offers you a retirement account, they might confuse things a bit, offer you more than one kind, and they give you options, and then you are not sure what to do.

Do I open up, say, the standard for one k or there is a thing called the rough for one k what's that should I do? IT, I have some answers. We're going to unpack all of that.

But first, some levity. levity. I had a moment this week where I really felt my age in a good way.

I was working out and my trainer said, you have really strong is and I just thought, yeah, yes, I do. And it's the little things now, my friends, it's the little internal body, things that really make you feel alive. And like all the work that you're doing to invest in your health and your wellness are paying off.

And I just maybe like twenty years ago, this wasn't quite the compliment. But I took IT, I took IT and I ran with IT, and then I went to instagram and I asked my followers there, tell me your midlife truth, tell me something about being in midlife without telling me you're actually in midlife. But it's like we know mine is that my knee is are in good shape.

And IT was the best compliment of my week and our audience, i've a funny crown on instagram. You all are very funny and, you know, but honest too. This is all I can very, very much relate to.

A lot of these replies. One person said, I ve decided this is, I think, my rt, if I can no longer look Young, I want to look wealthy. And this is actually my friend dawn john and I went to graduate school together, and she's a journalist and now an activist.

And don does look wealthy in the sense that he looks like a woman who knows her worth. SHE looks confident. SHE looks arrested, even though I know probably her days can be stressful, like all of our days.

But yeah, he does look like an empowered woman. And I think that, at least at how I interpret IT, and especially coming from my friend don, who I admire so much. So yeah, I wanna wealthy.

I love that. I love that statement. And then I also love this. I just got a salmon sperm facial to stimulate collagen growth. You know, we're trying all the things. And while I probably will never do this in midlife, there is going to be a phase if you're not there yet, uh, where there is going to be a lot of experimenting to sort of see what is going to work for you, what's going to be your new routine to treat and invest in your body, in your health and your wellness. And you want to look good, you want to feel good.

So whatever salmons from facial is for this person, for me, a few months, a months ago, I tried acu puncture in cupping for the first time related to a lower back injury, which was more of a sign of being in midlife than the cuppy, I would say. And by the way, anyone else in the forty four to forty five age group, or is past that, and can a test to this, this stanford study that came out earlier this year that said that for a while we thought that aging was sort of this equal progression, that with every year your body ages in a measured way and equally measurable way. Well, they found that age forty four, specifically, and sixty are the two ages in your older life, in your midlife, beyond where you age aggressively, those two years are, well, they can be pretty.

And i'm raised in my hand. I'm definitely feeling like forty four was my most chAllenging, healthier, yet mostly physical. I had some work out injuries, so I don't think I would had in my twenty and thirty.

But now my body is changing, and so I can't maybe do the same things. I was taking an air boxing class. And when I was in my thirties, I took a kick boxing, and you know, all the different classes.

And I took like a very basic air boxing class. And throughout my lower back and I was down for the count all day next day, and thankfully, i'm recovered now. And now that I was relatively a quick recovery cause bar back injury can be a very prolonged injury.

I think the active puncture on the might have helped, as did the heavy medication. But forty, four hundred and sixty, I don't know. Just not to die grass, but let's go back to tell me you're in mid d life without telling me you're in mid life.

One person says i'm plotting to get out of my marriage, no shame. Next person, i'm letting people see the fruits of my creativity. I have no time to hide.

Yes, one person says, I have a garden and a video, bird, Peter and chickens. I love that for you. Another friend in the audience says, I go to bed at nine most night, and I love bit.

I feel like for me, nine would feel, I would feel very anxious in bed, at least in the beginning, like i'm not doing enough. If you love things unfinished, I could do another hour, really tired. So maybe I should go be productive for me.

I find that pm, ten to ten thirty is the sweet spot because I don't have to get up until usually seven am. So if I even get to bed by ten, i'm getting nine hours. Even eleven is eight hours. But I find that the sleep is not the high quality that I used to get in my thirties.

There will I almost always will wake up in the middle night, and it's just, I don't know my body just wake up and it's either like in the middle of night or could be like five A M, which is really tough time to wake up. If you're not ready and you are hoping for two more hours of sleep, you're not rested when you get up at seven. So the quality of my sleep, I think, could be Better.

And then lastly, my friend adam said we set our smart lights to a matching shade of blue when we watch jeopardy because that is a very loaded telling your midlife without telling me your midlife sentence because there's like jeopardy here and smart lies and you're watching T, V. together. Very cute, very cute.

Couple you to. But yeah, I find that when i'm on the screen, I need another layer of lens. I have my contact lenses, but I need like a filter.

IT used to be a nice to have and now its a must have. So thanks from dulling ing everybody on instagram, as I said, very funny, very funny. Audience, I have, we're going to hit the male bag next.

But two things I want to bring up, one is that I have just decided on my entire twenty twenty five curriculum for are so many members. If you are not a member, let me tell a little about this. okay? So not long ago, I decided I wanted to create a community for our podcast listeners, where we could get more engagement, more education, and the so many members club was born every month.

As a member, you get a live financial training, ted by me, live office hours where you can walk in, ask me what if we want, or just stick around and listen to what other people are asking. And we have a very engaged community. You can ask questions on the go. I usually answer, if not another member times in.

And it's just a great place to hang out if your goals are to be financially successful, more educated around money and also makes you want to connect with like spirit people who care about wealth and financial well being is a good place, especially as we had into twenty twenty five, a lot of uncertainty, a lot of changes. And some of us I know we're looking to latch onto shore things and the so many members club is a shore thing. It's not going anywhere.

I'm not going anywhere. And very excited to announce that in twenty twenty five, we have now decided on what we're going to learn turn during those monthly live workshops, everything from real est state to investing to how to manage your money. As someone who might be in the sandwich generation or midlife, you've got growing children, ageing parents.

That seems to be a recurring theme amongst our members. How to consolidate and refinance your debt. A lot of us are Carrying student loan debt Stellar.

We have personal loans. Business loans. We want to learn how to be Better with our debt. We're going talk about IT and also fun stuff like how to maximize your points so that maybe in two and twenty five, this is definitely on my vision board to see in first class going somewhere international for free.

Could that be in your future? Well, we're gona talk about how to actually optimize your points. And i'm so excited. I'm so excited to grow this community.

If you've been listening to the show, you know that for a while during black friday week, iran, a promotion where you got a free month trial of the so many members club, and I hope those of you who are in the club right now from that promotion are enjoying your time. If you have any questions, reach out. But sik, around twenty twenty five, promises continued programing and engagement.

You can go to so many members dock to learn all about IT. Next we're gona go to apple podcasts review section, pick our reviewer of the week. This week we're going to give special thanks and to shout out to brook tt, eighty, who left a view on november ninety, saying that she's incredibly grateful for this podcast.

Brooke says i've been tuning in regular licence twenty, twenty and IT consistently makes me think, reevaluate and dream for neu's steady stream of informed and relevant guests bring new point of views to my inner financial dialogue and stoke important conversations with my partner. I'm also constantly impressed with the wide ranging topics covered on the asked furnish episodes, and i've personally benefit from many of her answers. Thank you for new.

Well, thank you, broke. Thank you for this review. IT means a lot, you know, subscribing to the show, leaving a review.

IT really supports the show. It's the number one way to encourage others to subscribe. Keep the show going. Where entering our tenth here, everybody, can you believe IT so broke? I'd to extend a free money console to you.

You can email me, furnish shed so many podcast a com, you can direct message me on instagram as well at furnish tarbes. Let me know, let this review, i'll send you a link. You pick a time that works on your schedule.

You pick a time that works for you, for us to have a money convoy, or can be a career convoy, what you want, it's all on the table, but will also get a free thirty day trial of the so many members club. So highly energy, you, if you've been making a liver of you, do IT pick one every friday OK. We're to hit the mill back very soon.

Are going to talk about tariff s and they're going to mean for our budgets and what they might want to buy before the end of the year, before Prices go up. We're to talk about retirement plans, and I talk about how to buy a car in twenty five. Actually, december, maybe if you can swiming IT.

December tends to be on the best months to buy all that coming up after our break last Christmas, I gifted my mother this gorgeous cashmere sweater in a beautiful burgin day, and he still about IT is so nice when you can get someone a gift they wouldn't necessarily get for themselves, that little bit of luxury that they don't know they're missing. And can you guess what that sweater is from? Or quality gives at an affordable Price might go to is queen.

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Queen stock come slash so many. Buta buta boom, sold. Just hold my car on carvin a dropping IT off and getting paid today.

Oh, right, you even sold yours. You told me about IT months ago. I offer good offer, great AR.

Yet I could trade IT in for this car I love. Come on, what are we waiting for you? right? Let's go. Whether you're looking to sell your car right now or just whenever feels right, go a car on a dot com and sell your car the conventional way, terms and conditions apply.

Hi, this is JoNathan feels the host of the gold life project, where each week I talk to listeners about investing in their future by increasing their own vitality. But when IT comes to those financial als, whether be saving for a home innovation ground, your child college md or travel life can make IT to stay the course. By working with a dedicated maria adviser, you get a personalized plan and a clear path fower.

Having the ballet your back helps your whole financial life move with you. So when your plans change meals with you every step the way, go to ml dot com slash bullish to learn more, marry a bank of amErica company, what would you like the power to do? Investing involves risk.

Maryland peer spender and Smith incorporated registered brodeur, registered investment ser. Member S. I, P. C.

This episode is brought to you by progressive insurance. Do you ever find yourself playing the budgeting game well with the name your Price tool from progressive? You can find options that fit your budget and potentially lower your bills.

Try IT at progressive dotcom. Progressive casualty insurance company inflates Price and coverage match limited by state law not available in all states. All right, we're back and we're talking about how the trumpet tarapore may interfere with our spending plans in twenty twenty five.

If you're in the market right now for a big ticket item that's likely created overseas or manufactured overseas, well, you might want to pull the trigger before the end of the year because as we know with tariff, businesses don't get creative. Usually when IT comes to offsetting terrors, what they do is they pass those extra costs onto us in the form of higher retail Prices. A reporter at having ten posts recently reached out to me and other financial experts for our take on what are some of the things that we might wanna buy before the of the year.

Assuming these terrifying go into effect early twenty twenty five, how can we Better prepare for rising Prices, output that link to the happy to post article in our show notes, but essentially the article goes into first explaining what the terrorists are going to be. President elect Donald trump announced that he's gonna impose a twenty five percent tariff on all goods from mexico in canada, as well as an additional ten percent tariff on chinese goods. And that, he says, is gonna start on the first day of his presidency.

And many economists predict that his plans are going to make inflation worse. They'll increase costs for us, businesses and consumers, and the sharp terror proposals could cause Price hikes across a variety of products from to toys, furniture, household appliances, travel, the three product categories that I think you're going to be most affected or will be significantly affected our major home appliances, technology and furniture. So these three product categories, if you already in the market for a washed drier, a refrigerator, an iphone or a smartphone, a dining room set, this might be the time to be shopping around because these products are typically assembled overseas or they depend on imported steel, an aluminum.

So let's get into IT. If you're looking to buy a home appliance right now, terrify are going to increase the cost of materials. Companies will raise their Prices. If you're thinking about upgrading your washing your fridge, I think now is a good time to strike before the tariff s kick in. Better yet, my pro tip for anyone in the market for a kitchen appliance is to go for the energy efficient appliance.

Spend a little bit more if you have to, but here's why it's well worth your money because there is right now, in effect, still before the end of the year, the energy efficient home improvement credit, which was part of president biden's inflation reduction act, IT, gives home owners the chance to claim thirty percent of the cost of eligible energy efficient improvements to their homes. That includes like windows and solar panels. You get up to a maximum of twelve hundred dollars back.

This trump has said he will eradicate ate. So keep this in mind as your shopping technology is also at risk when IT comes to tariff. S no surprise there. Most electronics are built through global supply chains, and one of the manufacturers have to spend more the retail Price of that new phone or laptop that you've an icing will probably go up as well.

And in the last go around, we did see costs for laptops and tvs go up because the key parts in these pieces of technology, the microchips that displays the batteries, are sourced overseas. I for one, and for sure, mark my words, getting my iphone before the end of the year and upgrade my phone has make rack. But i've been winging IT.

I've been dealing. I mean, the phone still works. The camera still works. I can type easily, but it's gonna be time soon, and I think Better sooner than later.

That being said, I don't know what Donald from relationship is with apple because here's what's also gonna en. He's gona part in certain companies. He's gona part in may be certain industries.

He doesn't want to annoy his biggest campaign donors or his biggest supporters, right? So I think if in the market for a tesla, a model three or a model y which has a global export hub in shanghai, you might be OK. Have you like trump and iron mask? Have a friendship going, right? So would be surprised if text l Prices one up because of tariff s that is my guess.

And then furniture, most furniture from big name brand are not made in the united states. So here too, we can expect carafes on couches and tables and dressers in beds. Ika, in fact, has already announced that the tariff s will push its Prices higher.

Now what is gonna the overall impact of tariff s on the average? American researchers at yields budget lab found that the new tariff, we already have troops and we're really paying for IT, but these additional tariff s could add another two thousand to seventy six hundred dollars to a households budget, depending on your consumption, your consumption profile, you may be on the lower end of that. One way to circumvent this you can't maybe avoided entirely, is to shop second hand.

And you can do this across multiple categories like you don't just get second hand clothing now, you can get second hand toys, you can get second hand books, second hand furniture, cars, technology. It's all available to us as second hands. Sometimes it's called refurbished, gently use.

I think we're going to see a huge increase in that market, and i'm happy to see that because it's not just a great cost savor, but it's helpful to the environment. Finally, also want to mention that grocery Prices, maybe a fourth category here, are going to see Prices go up. We've already experience inflation at the grocery at at the grocery level.

And I don't think it's gonna get any Better with these terrible. Because when you consider that mexico and canada are the biggest suppliers of agriculture, of agricultural products to the united states, those twenty five percent tabs you Better believe are going to affect our costs for fruits and vegetables on. On the one hand, I want to support american meat goods.

I want to support american farmers. I want to support american business owners, and I will. But will they be able to keep up with the demand if everyone stops eating avocats from mexico? I don't know if like california can supply all the vocals s right.

And and if they have to, because now there's demand, their Prices will also go up. See, it's not like you're going to save money by going american. You're going to a probably end up paying more either direction and now sticking with terrorists, we're to talk about the auto market and tabs, sundrie says.

I've been a faithful listener of so money since I moved to the us. In the summer of twenty seventeen. I sent him a question about two years ago, and a lot has changed since then.

I went through a separation and then a divorce. I received two promotions at work, moved twice, and now i'm in a new, in much happier relationship. I've continue to learn from you and your guests over this time period, and I love following along your journey.

My partner and I are looking at buying a car. I have never owned a car. I don't know anything about cars except the traditional financial wisdom that I hear on your another podcasts. So wondering how much of that traditional advice applies post pandemic. We're looking at certified used vehicles.

The market is deadly changed since code is is still possible to negotiate the Price at the dealership should we pay cash if we can, or take out alone and repay quickly from our research. Car insurance also seems cost prohibitive. Any advice you have? A lowing costs associated with car purchases and ownership would be appreciated, right? sandrine.

I do have some tips on on buying a car, and I love that you're already thinking certified preowned. I think that's always a smart move. If you can snag a really good car that's certified pro, which we talked about earlier, of this idea of like buying second hand IT is always a great value because with that second hand Price tag, you get a pretty good condition car and you get that manufacturer warranty.

So that being said, I do want to put this all in the context of these trump terabits. When they go into effect tabs, as I mentioned, they can have far reaching implications on a variety of industries and markets, including the to market why the united states and european automakers they rely on mexico in canada for car production and china, not for nothing, is the second biggest source of imported car parts. And reading right now an article on yahoo finance where they write about how analysts recently estimated that twenty five percent tariff on mexico and canadian car parts could add about twenty one hundred dollars in costs for each us assembly vehicle, and cars produced in mexico or canada could cost eight to ten thousand dollars more.

So then your question comes in a very timely moment. There is a strong case for buying a car right now. If you're thinking about IT, now would be a good time to get one before december thirty first.

And as I mentioned earlier, december typically is a time of year when auto dealerships are looking to offload the current years cars. They want to sell the twenty, twenty five models. They don't want to have any more twenty twenty on the lot.

So for if you see a twenty twenty four car, I would still try to negotiate even though that i'll be Priced lower than one, two, two, twenty twenty five model. I do think you want to negotiate IT never hurts to ask for a negotiation. And one of the best tips I ever got on car dealership negotiation, and this works well for me because I would rather be any play else.

But a car dealer, you can and should find who the sales managers are, the online sales managers. You can go into any local car dealerships website, get that online sales managers email and email them and say, i'm interested in this particular car. Be very specific and I want to know if you have IT what is a cost and then do that across a variety of dealers and that way you get their best and final offers, which usually won't be their best and final offers, but you'll get a pretty good sense of where will give you the best Price.

And then you can go to that dealer and start from you've saved yourself probably hours by just doing this widely distributed email approach. But the ahoo finance article was also very good with this point, which is that you shouldn't panic buy a new car right now because of these terrorists. S if you're already in the market, you've already identify the kind of car you want.

You've got the money, then sure, if it's available now, go for IT because then you're hedging against the potential uh, these terms going into effect and affecting circle places. And then again, going electric. E V could also help you take advantage of that inflation reduction act credit, which I think is gaffin gona go away.

In twenty, twenty five new electric vehicles are eligible for a tax credit worth up to seventy five hundred dollars. And then up to four. Thousand for used ones that the sort of fied used car that you're eying four thousand dollars dit if IT is an E V.

And that things to bite and inflation reduction act, which could disappear under another trump term. Things i've definitely gotten Better since code that I think supply chain has gotten much Better. So I wouldn't worry about is an appropriate isn't acceptable to negotiate.

You should always negotiate, negotiate rich first, then negotiate at the dealership. As far as whether you do IT in cash or you do alone, I think if you can comfortably pay in cash without deleting your emergency savings or disrupting any other financial goals, I would consider cash. I just paid off, at least using cash, because when I looked at what I would be paying an interest to finance the remainder of that car, I just thought, no, you know, I loving liquid.

I love some cash liquidity, but I really couldn't justify the interest. I know interest rates have come down since the beginning of the year, but I would do the math to see, you know, what would you save an interest if you did IT all in a lump sum with cash, and then it's yours, you know, you don't have to worry about those payments. Then you mention lowering your insurance costs.

Getting quotes from at least three insurer is the way to go. Ask them about discounts, ask them about bungling your auto insurance with any other insurance that you may have, whether that's renders insurance holders insurance. Ask about safe driver programs.

A lot of times, these quotes that we get initially don't include these incentives, these safe driver program incentives. If you are a driver with a good track record, I mean, you should not be paying as much as everybody else, right, because it's all based on risk. So ask about discounts and ask about things like that.

And also one thing to note is that you can negotiate and change even your car insurance every six months or every twelve months, so you're not locked in forever. exciting. I'm so happy for you sunday.

I love all these updates. I love where you are in your life. You sound like you're in a much Better place. Thank you for sticking with this show, and i'm so glad that I could have been A A value to you shifting years now.

Two, four, one case versus rough for one case, CarOlina in the audience says that he and her husband are prioritising their financial future and maxing out there for one case. And now they're trying to decide between a traditional foo one k or a rough for a one k their company offers one of each. Can they do both? Should they do both? Let's break IT down.

Let's break IT down. First, let's talk about what we're talking about, four O N K versus rough four o one k the traditional four o one k the contributions are pretax. They lower your taxi ble income today and new pay taxes on the withdraws in retirement.

The rough for one K A sword of a hybrid of a rough ira. And the traditional for one k contributions are made with after tax dollars like the routh array. And then that withdrawls, including earrings, are tax free in retirement.

But where the four one case polity comes into play is that you can contribute a lot more in a rough for a one k than you can a rough ira. The contribution limits are higher as well as there are no income requirements with the rough iron, you are no longer eligible to contribute once your income exceeds a certain point. But but they raw for one cave, that rule doesn't count.

So I think a rough for k, if you have access to this through your job is a wonderful opportunity. You get the benefit of getting those withdrawal in retirement tax free. You don't have to worry about becoming in eligible.

But but generally speaking, there are a few considerations before you decide. One is what is my current tax bracket? Caroline, a hear, lives in a high tax city and shiner husband or both high earners.

So contributing to a traditional for one k does help to lower their taxable income now, which depending on their bills and their cash flow, IT may be advantages. Given this high marginal tax rate, it's especially invaluable if you know already, you're gonna retire in a lower tax environment like a less tax U S. City or overseas somewhere.

You also want to take into consideration your future tax rates. Nobody has a Crystal ball. Even the best financial advisers can know with certainty where taxes are going, but I think many financial advisers would say, let's plan for rising taxes because that's kind of what we've experienced over the decades.

If you anticipate that your retirement tax bracket will be the same or higher than IT is now, then a rough for one k could make more sense because you're going to benefit from those tax free withdraw pay taxes on the investments today when you're in a lower tax bracket. The other thing to consider is where will I live in retirement if you're going to moving to a low tax state or country like I mentioned, this could mean a lower overall tax liability in retirement. But keep in mind that tax treaters and rules on U.

S. Space retirement accounts of very by country. So if you say, okay, i'm going move to spain in retirement or italy where the taxes are less, you so want to consult a tax professional who has expertise in international retirement planning to be sure how that country would tax your withdrawal from either of these accounts.

And then finally, I think if you have the ability to contribute to both or you have the desire to contribute to both, many financial planners, and I would agree with this, say it's important to diversify your tax for your tax strategy in retirement. So contributing to accounts that are exempt from taxes in withdraws in retirement as well as those where you get the tax benefit today, can be a way to versify your tax exposure. So when you have the option available to be both in traditional and in a row, sometimes doing both gives you that flexibility to withdraw from accounts in away in retirement that minimizes your taxes in retirement, especially like a safe in retirement.

You know, it's a long period of time for some of us. IT could be thirty years. You might live in one state or one country during part of your retirement, you could move.

And so depending on where you live, you know you might benefit from having one sort of account over another in terms of the tax implications. Bottom line, just continue to invest whatever you do. You can't really go wrong from an investment standpoint, from a tax standpoint.

Of course, you, anna, take some things into consideration. You want to take into consideration your current tax racket, your future tax rates, where you might possibly live in retirement. And then you might say, you know what, I don't know all the answer.

So i'm gonna hedge and i'm going to contribute, say, seventy percent to one account and thirty percent to another or fifty, fifty, just giving myself some diversity as far as the tax buckets in the end is a solid plan. You know, if you have been listen to this podcast for a while now, you know, I love a hybrid approach. I love being able to do a little bit everything, and that rarely will I say you got to go one hundred percent in this direction.

The reality is, is our lives our complex, our goals, sometimes over lap, and we don't have all the answers. So when we have opportunities to get access to various financial vehicles, various ways to say, various ways to invest, I say, you know, consider IT all and and be selective. But I don't feel the pressure to go in a single direction and know that whatever you choose to do today, CarOlinas or in twenty twenty five, you can always adjust, assuming you so.

But this employer and they're so offering these retirement benefits that you can try IT out for a while, see how it's working for you. You might realize, know what, we really need to have the tax savings today because our costs are going up our tax brackets, baby, not the best. So we wanted be able to be as tax conservative right now.

And I know that maybe that's gonna urt us down the road by. This is what we will make life Better for us right now. And and that's a valid conclusion and that's our show everybody thinks so much for listening to.

So money, as a reminder, if you are liking what you're hearing, hit that subscribed button for us, leave a review and share this with a friend. I'm so grateful for you. I hope that you have a wonderful weekend.

We're going to, I think about getting your Christmas story this weekend. So wish us some luck, some good luck. Tree shopping, hanging out with me, an instagram to see how IT all looks in the end. I hope your weekend is so money.

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