I Lost My Wallet & I Haven't Been Paid

Summary

Armstrong & Getty On Demand Episode: I Lost My Wallet & I Haven't Been Paid
Release Date: June 23, 2025
Host/Author: iHeartPodcasts

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Introduction

In this episode of Armstrong & Getty On Demand, titled "I Lost My Wallet & I Haven't Been Paid", hosts Jack Armstrong and Joe Getty delve into the challenges and frustrations of dealing with unexpected financial setbacks. The episode features candid discussions about personal mishaps, insurance woes, and the broader implications of financial instability.

Main Story: A Bad Day on the Road (02:35 - 12:30)

Jack Armstrong kicks off the conversation by recounting a particularly stressful day:

"I lost my wallet and I haven't gotten paid. It's One More Thing."
— [02:35]

Jack narrates an incident where he was rear-ended on the highway by a young, uninsured driver who had also lost his wallet. The collision not only damaged Jack's car but also introduced a cascade of complications regarding insurance claims and financial liability.

Key Points Discussed:

• Accident Details: Jack explains the specifics of how his vehicle was hit at approximately 65 miles per hour, causing significant damage to the rear side of his car. He expresses amazement that he wasn't injured or spun out of control during the collision.

  "I'm driving and just going along and all of a sudden, pow. Somebody hits me in the rear side of my car and I see a piece of my cargo flying off."
  — [08:00]

• Uninsured Motorist Complications: The driver responsible for the accident revealed that he had no insurance and had recently lost his wallet, leaving him unable to provide necessary information or cover the damages.

  "He said, 'I haven't been paid.' And then he looks at me wide-eyed and goes, 'I don't have insurance.'"
  — [09:09]

• Insurance Implications: The hosts discuss the repercussions of being involved in an accident with an uninsured driver. They touch upon how such incidents can lead to increased insurance premiums and the potential for disputes with insurance companies.

  "Take a look at your bill. You have a charge for uninsured motorist coverage and that. So your insurance company will cover you for that. They will then jack up your rates."
  — [12:02]

Community Stories and Advice (12:31 - 18:04)

The episode isn't just about Jack's experience. Several community members share their similar encounters and the lessons they've learned:

• Unnamed Speaker's Experience: Another individual narrates a similar incident where a woman hit him without insurance and became combative, leading to her arrest. He shares how his insurance agent initially canceled his policy but successfully reinstated it after contacting the state insurance commission.

  "She ends up getting arrested and going to jail anyway... he spun around, got my policy back at the same premium."
  — [16:59]

• Advice on Handling Insurance Disputes: Jack and Michael provide actionable advice on dealing with insurance companies, emphasizing the importance of persistence and contacting state authorities when facing unjust treatment.

  "There is a lesson there that if you think you're really being screwed, you should attack. You should contact the state insurance commission because they will fight for that sort of thing."
  — [17:48]

Reflections on Financial Struggles (18:05 - 21:00)

The conversation shifts towards broader financial struggles, with Jack sharing personal anecdotes about living paycheck to paycheck and the lengths he went to make ends meet, including unconventional solutions like bartering his watch for gas.

"It was a beautiful story of a man whose life was going so freaking crappily at the time of a minor ray of sunshine."
— [16:21]

Key Insights:

• Financial Instability: The hosts highlight how unexpected events, such as accidents or loss of personal items like wallets, can exacerbate existing financial difficulties.

• Community Support: Emphasis is placed on the importance of community and support systems in navigating tough financial times.

• Resilience and Adaptability: Through shared stories, the hosts underscore the necessity of adapting to financial setbacks and finding creative solutions to overcome them.

Conclusion

The episode wraps up with a blend of humor and somber reflections, leaving listeners with valuable insights into handling unexpected financial crises. Jack and Joe encourage openness about financial struggles and advocate for proactive measures when dealing with insurance and personal finance issues.

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Notable Quotes with Timestamps

• Jack Armstrong:
  "I lost my wallet and I haven't gotten paid. It's One More Thing."
  — [02:35]

• Jane Doe (Unnamed Speaker):
  "He spun around, got my policy back at the same premium."
  — [17:48]

• Michael:
  "No, they treat it like you slapped their mother in the face."
  — [12:25]

• Katie:
  "Declare independence from dirty outdated furniture. Shop now at washablesofas.com."
  (Note: This appears to be part of an advertisement and may not fit the content-focused summary.)

Final Thoughts

This episode of Armstrong & Getty On Demand offers a relatable exploration of the hurdles faced when personal finance meets unforeseen circumstances. Through engaging storytelling and practical advice, Jack Armstrong and Joe Getty provide listeners with both empathy and actionable strategies to manage financial setbacks.

Transcript

[Colby Ekowitz]

This is an iHeart podcast.

[Joe Getty]

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[Michael]

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[Colby Ekowitz]

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[Katie]

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[Armstrong]

I lost my wallet and I haven't gotten paid. It's One More Thing.

[Jack Armstrong]

Armstrong and Getty One More Thing A rare Michelangelo hosted One More Thing podcast before we get to that though. Joe knows this story, so he'll understand how impactful this was for me. He knows my backstory. I just walked into the restroom and there were women in there.

[Katie]

What?

[Jack Armstrong]

And I had a flashback. It was amazing. I could see it to when I was 10 years old, Wrigley Field, Chicago Cubs, father, son, baseball trip with my dad. I told my dad I need to go to the bathroom and I accidentally walked in the women's room. And it wasn't until I was quite a ways in there and saw a bunch of women before it registered in my head that I was in the women's room. And I was so horrified as a 10 year old that I'd accidentally walked into the women's room. I mean, just horrified to the core. I can still picture it. I thought sure they were going to announce it over the loudspeaker. I came and sat down with my dad rather than say, a funny thing just happened, Dad. I walked in. I was just horrified. Keeping it a secret. I thought they were gonna announce, would the 10 year old boy who just walked in the women's room please report police are on the way. You know, that sort of thing. I just had that flashback because I just walked into the bathroom and there were two women standing there and I thought how did I get that? They were in some sort of inspectors doing an inspection.

[Katie]

Oh, okay.

[Jack Armstrong]

No.

[Michael]

Wow. Put up a sign or something.

[Jack Armstrong]

They should. I could have unleashed right as the door opened because I was in a real hurry. And you. Next thing you know, I'm exposing myself. And on the news, the pre pants pull down. Exactly, man. And they were.

[Joe Getty]

Wow.

[Michael]

The preemptive pull down. Good lord.

[Jack Armstrong]

And they were wearing street clothes so it made it more of a. What is going on here? They should have had some sort of inspector uniforms on or something.

[Michael]

Or was it gender bending madness? Anything goes now. It's sick.

[Jack Armstrong]

It's horrifying. Thank God nothing happened.

[Michael]

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[Jack Armstrong]

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[Michael]

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[Jack Armstrong]

It could crash.

[Joe Getty]

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[Michael]

At Amica Insurance we know it's more than a life policy. It's about the promise and the responsibility that comes with being a new parent, being there day and night and building a plan for tomorrow today for the ones you'll always look out for. Trust Amica Life Insurance Amica Empathy is our best policy.

[Colby Ekowitz]

We've all done it. You see a headline but don't have time to read the whole story or there's so much news you're not sure what is worth your time. I'm Colby Ekowitz, co host of Post Reports, the weekday afternoon podcast from the Washington Post. Post Reports brings you what's relevant and revealing breaking stories, politics, wellness, culture. Each episode goes beyond a headline for the context you need. Find Post Reports now wherever you're listening. For some of us, personal finances aren't just personal. They include a lot more people than.

[Jack Armstrong]

Ourselves, loved ones, neighbors, the communities we.

[Joe Getty]

Call home, and the causes we hold in our hearts.

[Jack Armstrong]

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[Colby Ekowitz]

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[Jack Armstrong]

Connect with [e-mail] okay Michael, what's your story?

[Armstrong]

Had a tough time coming to work today as far as getting a ride here. Yesterday I got hit on the highway. So I'm driving and just going along and all of a sudden, pow. Somebody hits me in the rear rear side of my car and I see a piece of my Cargo flying off, which is just great, I hear. Yeah.

[Jack Armstrong]

So how fast you go?

[Armstrong]

I'm going about 65 miles an hour.

[Jack Armstrong]

Oh, boy, that's scary.

[Michael]

Yeah, you could get spun, flipped.

[Armstrong]

Yeah, yeah, I was very lucky. I wasn't hurt. So anyway, what happened was a young kid, about 20 years old.

[Jack Armstrong]

Well, back up just a second. So he hits you in the, like in the bumper or the side.

[Armstrong]

Right where the rear tire is. The left rear tire, Right above that.

[Jack Armstrong]

It's amazing that you didn't get spun out.

[Armstrong]

Yeah.

[Jack Armstrong]

So what, what happened? Did you just end up slowing down and coming to a stop?

[Armstrong]

Yeah, I did. I just slowed down, came to a stop and just went to the, you know, right side of the road and he went to the right side of the road and that's where we, you know, comes out. Oh, I'm sorry, I'm sorry. I was trying to make a lane change and.

[Jack Armstrong]

Yeah. You know, didn't see you.

[Armstrong]

Didn't see you. Okay, so this is the first time he's ever been in an accident. I can tell he's really nervous. He's 20, I would say 20 years old. Young. Young kid.

[Jack Armstrong]

Child.

[Armstrong]

Yeah. Then he tells me, I said, well, I said, I've been in through this before. I said, so don't worry, you know, you just get. Let's just exchange our insurance information. Then he looks at me wide eyed and goes, I don't have insurance.

[Jack Armstrong]

Oh, boy.

[Armstrong]

Oh, he's on my insurance. Expired.

[Jack Armstrong]

Wow. No, and that's when you clutch your neck. Of course, it doesn't do you any good if he doesn't have an insurance.

[Armstrong]

No. And I said, well, let's, you know, exchange information stuff. He goes, all right, except my wallet was stolen at the club the other night.

[Katie]

Okay.

[Armstrong]

No, no, I, I thought the same thing too, Katie, but okay. He gave me all the information he had me, you know, gave the cell phone, the email, his home address, everything. Said, try the cell phone right now. You know, you. You can see that's me. You know, it's a burner. I. I don't know. I hope not, but I think you probably.

[Michael]

Okay. Yeah. His car is bamboozled by his sob story. She's heard it all before. His car is totaled.

[Armstrong]

Yeah, his car was like, he couldn't drive. He couldn't drive away.

[Jack Armstrong]

What was he driving as a guy with no insurance and no wallet?

[Armstrong]

It was a Ford sedan. So it wasn't a bad car. But it just, the way he hit me, I mean, he just completely went right in.

[Jack Armstrong]

Like, who uses the Term sedan. What are you, 85 years old?

[Armstrong]

Well, I was trying to, you know, leave it a little generic.

[Michael]

That's a perfectly reasonable term. Don't attack him for using the term sedan.

[Jack Armstrong]

Tell me what kind of car it is.

[Katie]

That was a weird attack.

[Jack Armstrong]

Was it a Taurus?

[Michael]

Yeah, that was. That was a weird attack.

[Katie]

That was bizarre.

[Michael]

Wow.

[Jack Armstrong]

Wow.

[Katie]

Odd thing to go after Michael for.

[Jack Armstrong]

You know, I can't believe he got hit in the top in, like, tire area at 65 and didn't end up.

[Armstrong]

Yeah.

[Jack Armstrong]

Crashing. Yeah. Quite amazing.

[Armstrong]

I'm just glad you didn't hit the fuel tank. You know, just. It was near the fuel tank area, so I thought, oh, boy.

[Jack Armstrong]

And bad enough to total his sedan.

[Armstrong]

Yeah.

[Katie]

How many likes he got on that post he was checking when he hit you.

[Jack Armstrong]

Yeah. No kidding.

[Michael]

No kidding. Yeah.

[Jack Armstrong]

God dang it. If you. If you're living a lifestyle where your wallet gets stolen at the club and you got no insurance, I would drive extra careful because just, you know, you're living on the edge of it all falling apart.

[Michael]

If you were that person, you wouldn't know to drive extra carefully.

[Jack Armstrong]

I guess you're right.

[Katie]

That's a great point.

[Armstrong]

In this case, he was a very nice young man. I think, unfortunately. Unfortunately, I think this is a case of poverty. And he just. He said, I was waiting to get paid. I was gonna switch to a different insurance. He's telling me the sob story. You know, I'm actually starting to feel bad for him because I can imagine being in this situation.

[Jack Armstrong]

I've been down and out before. I know what.

[Armstrong]

Yeah.

[Michael]

The only way he learns, Michael if. Is if you take what little he has away from him.

[Armstrong]

Yeah.

[Michael]

Leave him with nothing.

[Armstrong]

So I'm wondering how this is going to work. I guess, I mean, am I not gonna. Am I gonna have to pay for this myself or what do I do?

[Jack Armstrong]

You know, because I got rear ended, as you remember, right after I got my. My truck. I got rear ended, like, two weeks later. But the guy had insurance, and it cost $7,000 to fix my truck. But his insurance paid for it, and he didn't dispute in any way that he was his fault. But what happens when you get hit by somebody without insurance? I don't have the slightest idea.

[Michael]

Take a look at your bill. You have a charge for uninsured motorist coverage and that. So your insurance company will cover you for that. You will be fine. They will then jack up your rates.

[Jack Armstrong]

That's what I was going to ask, though. Did they treat it like it was your Fault in terms of your. Does it count as a claim? It probably does.

[Michael]

No, they treat it like you slapped their mother in the face.

[Jack Armstrong]

Well, that really sucks. And if that's true, and I'll bet it is true, that means the second time it happened, maybe, maybe now you get in a record is your fault. But you've got to, sorry, we're gonna have to quadruple your insurance or drop you. I hope that's not true, but wouldn't surprise me. Yeah, that reminded me I was like roughly that age. I didn't get into a wreck but like I was just. My life was going so poorly at this point in a variety of ways. I should do a documentary about me as like a 23 year old because it was sad. Sad in so many different ways.

[Michael]

Like a long sit down interview with a master interviewer.

[Jack Armstrong]

But I was going to one of my temporary jobs. I had three jobs at the time and my temporary job where I worked at, AT&T doing data entry, where I would do all the data entry really fast and then go sleep in the toilet because I had to work at UPS late at night. And anywho, I'm on the way just.

[Michael]

For clarification's sake, since this is the second toilet related anecdote you've told us during a single podcast segment. Did you literally sleep in a toilet? What was the other in the bathroom?

[Jack Armstrong]

What was the other toilet related story.

[Katie]

You just told me about the women in the bathroom.

[Jack Armstrong]

All right, yeah, yeah, that story was this.

[Katie]

Yeah. Were you sleeping in the toilet or were you in the stall?

[Jack Armstrong]

I was in the stall. I would sit on the stall and I would lay my arms sit on the toilet, put my arms across my knees. I was more flexible then put my arms across my knees and lay my head down on my arms.

[Michael]

So you're sleeping on the toilet, right? Yeah.

[Jack Armstrong]

And I'd sleep for like a solid two hours. Wow.

[Katie]

Possibly not a chance.

[Jack Armstrong]

You could. If you're as tired as I was getting up at like 5:30 and going to bed at 3:30. So I was sleeping like two hours in my bed.

[Katie]

If someone put a gun to my head and said sleep like that, I'd say shoot me. There's not a chance.

[Jack Armstrong]

Anywho, I'm on my way to this fabulous job, very tired in my really, really crappy car that like I had to get in the passenger side door because the driver's side door didn't open and it had no air conditioning and blah blah blah blah blah. I was. Yes. Why are you looking okay.

[Katie]

Why did you.

[Michael]

Was horrible.

[Jack Armstrong]

Joe. Joe knew me when I had that car.

[Katie]

Okay, well, I mean, it sounds like a bad car, but it was so bad that you'd rather sleep on a toilet.

[Jack Armstrong]

Well, I couldn't go out and sleep in my car at that job to be there.

[Michael]

He was working.

[Jack Armstrong]

Yeah, I was at work. At. At&t. I was in.

[Katie]

Oh, got it. Okay.

[Jack Armstrong]

I would go and I'd do my data entry and I'd say, well, I'm gonna go use the restroom. And they caught on to the fact that I wasn't coming back for two hours, but I'd go sleep in the toilet for two hours and I'd come back, but I didn't have any work for me to do. It's not like it made any difference.

[Michael]

Well, right. As you've explained in the past, everybody else there was working as slowly as possible because. Yeah.

[Jack Armstrong]

Yeah.

[Michael]

Well, the kind of person, the people they were, you would knock it off quick and grab some. Some sleepy time.

[Jack Armstrong]

But I was on the way to work and I was going to run out of gas, and I didn't have any money. I was in a jam here because I was like, really? Paycheck to paycheck. You know, the kind of paycheck to paycheck where you're, like, overextended, but you're waiting for that paycheck and you're going to try to deposit it and you need the money the second it's your account. Sort of Life that I had there for a while, which sucks. And if you're living that way right now, I feel bad for you because it's rough. Anyway, I was going to run out of gas. I need some money. So I stopped to get gas and I told the clerk who worked there, look, I need gas to get to work. I will have money by the end of the day. I can pay you back. Here's my watch. Can I get. Can I fill up my tank or. I don't even think I did that. I got like $10 with the gas, which back then was 10 gallons of gas. Here's my watch. I'll come back and get my watch. And then. And he was fine with it. So he took my watch, he let me get $10 worth of gas, and then I brought him $10 later in the day, and he gave me my watch back.

[Michael]

Beautiful.

[Jack Armstrong]

It was a beautiful story. Beautiful story of a man whose life was going so freaking crappily at the time of a minor ray of sunshine.

[Armstrong]

So you used the barter system.

[Jack Armstrong]

So I Used the barter system. But anyway, I relate to that dude that you. That ran into you with no insurance. Lost his wallet and that whole thing. Handsome, you wanted to.

[Unnamed Speaker]

Okay, so I. I had a similar circumstance, almost identical circumstance to Michelangelo's thing. A woman hits me. Didn't have insurance, except she fought me. She wanted to really tussle over it. She ends up getting arrested and going to jail anyway.

[Katie]

Oh, wow.

[Unnamed Speaker]

She lost her license. Yeah, right. No. Later, the police had to go to her house and she got in all kinds of trouble. However, my insurance agent, they canceled me over this incident because it might fault you. Yeah. And I went in and I said, hey, what's going on? Why are they cancel. I'm sorry. Yeah, you've been in this accident, but I found you another policy with a different company. Unfortunately, your premium's going way up, like. But you're. That's the best you can do? And I got in touch with the insurance commission, our state's insurance commission. He told me, go and meet the guy and say, you talk to the insurance commission, and this doesn't seem right. And I swear to God, that guy spun around, got my policy back at the same premium. It was amazing. He's like, oh, wow. Let me go in the other room for a minute. He left and came back, said, I'm sorry. That was a mistake. We made a mistake. And I can't believe we made this mistake. Here's your old policy back.

[Jack Armstrong]

I remember you telling me that story. There is a lesson there that if you think you're really being screwed, you should attack. You should contact the state insurance commission because they will fight for that sort of thing and apparently put the fear of God in them if they're doing something untoward.

[Armstrong]

This is great info for.

[Katie]

Yeah, good to know.

[Jack Armstrong]

Yeah, yeah, yeah. God dang it. That sucks, though. I get hit by somebody else who doesn't have insurance, and so my rates go up. I mean, that's just. I don't know what to do with that. But the insurance company would say, this is Joe's line. Usually the insurance company would say, well, we're a for profit business, and you live in a state where there are thousands of drivers without insurance. We can't just eat all that.

[Michael]

Right?

[Jack Armstrong]

Right.

[Michael]

You signed a contract. Is this your signature? Yeah, yeah. Contract says we can do this, so bye.

[Armstrong]

I gotta get an electric bike. Well, I guess that's it.

[Joe Getty]

You know what's great about your investment account with the big guys? It's actually a time machine. Log in and zoom. Welcome back. To 1999. It's time for an upgrade. At public.com you can invest in almost everything. Stocks, bonds, options and more. You could even put your cash to work at an industry leading point. 1% APY. Leave your clunky, outdated platform [e-mail] go to public.com and fund your account in five minutes or less. Pay for by Public Investing Inc. Member FINRA and SIPC. Full [e-mail] disclosures.

[Jack Armstrong]

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[Colby Ekowitz]

O.Com hey, it's Karen and Georgia from My Favorite Murder. Thanks to Hyundai, we got to take a post show drive in the Ionic five.

[Jack Armstrong]

We had snacks, laughs and we even recorded a special episode featuring some unforgettable car themed stories.

[Colby Ekowitz]

Take a listen. I'm going to tell you a story today, Karen. It's about a pivotal role that cars played in none other than the Montgomery Bus Boycott.

[Jack Armstrong]

Okay, well, yes, it's right there in the title, right? This episode is brought to you by the 2025 Hyundai Ioniq 5.

[Colby Ekowitz]

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[Colby Ekowitz]

This is an iheart podcast.