Friday Flight - Credit Card Caps, Free Rent, & Pokemon Investing #1089

Summary

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Podcast Summary: How to Money – Friday Flight: Credit Card Caps, Free Rent, & Pokemon Investing (#1089)

Date: January 16, 2026
Hosts: Joel & Matt
Podcast: How to Money (iHeartPodcasts)

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Main Theme

This “Friday Flight” episode brings listeners up to speed on the week’s most interesting stories affecting everyday money decisions, including recent proposals to cap credit card interest rates, rental market trends, the pitfalls of alternative investments (like Pokemon cards), and money-saving strategies in grocery shopping, streaming services, and car buying.

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Key Discussion Points & Insights

1. Life Expectancy Calculators: Financial Planning Prompt

• Segment: [02:48–06:42]
• Discussion: Joel and Matt discuss the value—and flaws—of longevity calculators in prompting people to plan for long, well-funded retirements.
  • Joel shares his experience using a calculator that claims a “100% shot” of living to 60 and a “50% shot” at 90.
  • Matt favors having a concrete number to forecast, even knowing it’s uncertain.
• Notable Quote:
  • Joel ([06:03]): “It just made me think again, I'm going to be really old someday with a ton of wrinkles. ... It might get you a little more enthusiastic about saving for your own future.”

2. Credit Card Interest Rate Cap Proposal

• Segment: [06:42–11:15]
• Discussion: The President proposed capping credit card interest rates at 10% for a year—dubbed “gangster affordability”—with the intent to aid indebted Americans.
  • Hosts highlight the tradeoffs: This policy could severely limit access to credit for those with subpar credit, potentially pushing consumers to harmful alternatives like payday loans.
  • Rewards on credit cards could become either more exclusive or face new fees.
• Notable Quotes:
  • Matt ([07:54]): “Americans with credit card debt, they would save a significant amount of money in interest. … But this could hurt the folks it's attempting to help.”
  • Joel ([11:14]): “The market shall find a way.”

3. Gen Z Preferring Debit Over Credit Cards

• Segment: [11:15–14:34]
• Discussion: New surveys show Gen Z is favoring debit cards to avoid debt and track spending more easily.
  • While this helps avoid debt traps, debit cards don’t build credit scores, which is a misconception among 43% of surveyed Gen Z.
  • Practical credit-building tips: use a credit card for a single recurring bill and pay off in full via autopay.
• Notable Quotes:
  • Joel ([13:09]): “It’s also important if you’re doing that to find other ways to ensure your credit score is being built up.”

4. Rental Market and Free Rent Deals

• Segment: [14:34–17:22]
• Discussion: Due to overbuilding in certain Sunbelt cities, renters may see incentives like two months of free rent. Hosts urge listeners to shop around rather than automatically renew leases and negotiate armed with market data.
• Notable Quotes:
  • Matt ([14:53]): “More supply really does make a difference. … Let the builders build.”

5. Speculating on Home Prices via Polymarket

• Segment: [17:22–20:16]
• Discussion: You can now bet on home prices (and many world events) via platforms like Polymarket. While useful as a “hive mind” indicator, it’s ultimately gambling and potentially exploitative.
  • Example: Large payouts can hinge on semantic debates (“Was it an invasion?”).
• Notable Quote:
  • Joel ([18:38]): “These prediction platforms are rife with controversy … They’re just going to be speculative havens, a real waste of time and money for a lot of people.”

6. Rise of Store Brands and Grocery Savings

• Segment: [20:16–24:58]
• Discussion: Private label (store brand) goods are gaining trust and market share as shoppers seek value. New entrants like Walmart’s “Better Goods” are designed as affordable alternatives to name brands.
  • 84% of consumers now trust store brands as much as—or more than—national brands.
• Notable Quotes:
  • Matt ([21:27]): “If you’re a knee jerk name brand buyer, I think it’s time to rethink that strategy.”
  • Joel ([22:21]): “It used to be assumed store brand goods were just inferior. … Not anymore.”

7. Prescription GLP-1s Lowering Food Spending

• Segment: [23:47–26:22]
• Discussion: Cornell research finds that GLP-1 medications like Wegovy or Ozempic cut household grocery spending by 5%, especially on snacks and fast food, largely due to decreased appetite.
• Notable Quote: Matt ([25:13]): “I’m surprised it’s not even more of a savings because you think about how much less people talk about eating.”

8. Ludicrous Headline: Pokemon Card Investing

• Segment: [28:47–33:23]
• Discussion: Responding to Business Insider’s coverage of Logan Paul auctioning a $5.3M Pokemon card and encouraging young investors to “take risks” with alternative assets.
  • Caution: Don’t conflate speculation with investing; the vast majority are better served sticking with diversified, low-cost index funds.
• Notable Quotes:
  • Matt ([30:29]): “Take investing advice from influencers with a grain of salt—especially if they stand to gain financially if you follow their advice.”
  • Joel ([31:23]): “In the stock market, unlike trading cards, it's not a fad.”

9. Bear Market Benefits & Portfolio Discipline

• Segment: [33:23–35:03]
• Discussion: Periodic bear markets are normal and can be opportunities for long-term investors, especially if they keep buying (“just keep buying”) during downturns.
• Notable Quote:
  • Joel ([34:43]): “Pessimism often makes sense because there are so many negative things happening … But so do potential breakthroughs. As Morgan Housel would say, ‘invest like an optimist.’”

10. Streaming Services vs. Cable

• Segment: [35:03–39:47]
• Discussion: The cost and fragmentation of streaming subscriptions are pushing some consumers back toward cable bundles or at least causing them to reconsider total spending. Advice: Use fewer paid services, lean on improved free streaming options like Tubi or Roku, and cancel unused subscriptions.
• Notable Quote:
  • Joel ([36:44]): “It might mean saying no to an awesome new TV series… Maybe you’re like, I’m going to sit this one out. I’d rather have my money.”

11. Car Loans Now Available Up to 100 Months

• Segment: [39:47–43:11]
• Discussion: Auto loans now stretch as long as 100 months (8.3 years)—an alarming development for buyers who risk being perpetually upside down on depreciating assets.
  • Used vehicles are pricey too: 6.3% of used buyers are paying $1,000/month.
  • Recommendation: Avoid ultra-long loans, stick to shorter terms, consider reliable but older used cars (e.g., Honda Fit).
• Notable Quote:
  • Joel ([40:11]): “Just because someone says, ‘Yeah, we'll finance that car for you over the next eight years,’ doesn’t mean you should take them up on it.”

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Memorable Quotes (with Timestamps)

• Joel ([06:03]): “It just made me think again, I’m going to be really old someday with a ton of wrinkles.”
• Matt ([07:54]): “Americans with credit card debt, they would save a significant amount of money in interest. … But this could hurt the folks it's attempting to help.”
• Matt ([11:14]): “The market shall find a way.”
• Joel ([13:09]): “It’s also important if you’re doing that to find other ways to ensure your credit score is being built up.”
• Matt ([14:53]): “More supply really does make a difference. … Let the builders build.”
• Joel ([18:38]): “These prediction platforms are rife with controversy … They’re just going to be speculative havens, a real waste of time and money for a lot of people.”
• Matt ([21:27]): “If you’re a knee jerk name brand buyer, I think it’s time to rethink that strategy.”
• Joel ([22:21]): “It used to be assumed store brand goods were just inferior. … Not anymore.”
• Matt ([25:13]): “I’m surprised it’s not even more of a savings because you think about how much less people talk about eating.”
• Matt ([30:29]): “Take investing advice from influencers with a grain of salt—especially if they stand to gain financially if you follow their advice.”
• Joel ([31:23]): “In the stock market, unlike trading cards, it's not a fad.”
• Joel ([34:43]): “Pessimism often makes sense because there are so many negative things happening … But so do potential breakthroughs. As Morgan Housel would say, ‘invest like an optimist.’”
• Joel ([36:44]): “It might mean saying no to an awesome new TV series… Maybe you’re like, I’m going to sit this one out. I’d rather have my money.”
• Joel ([40:11]): “Just because someone says, ‘Yeah, we'll finance that car for you over the next eight years,’ doesn’t mean you should take them up on it.”

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Timestamps for Key Segments

• [02:48–06:42] Longevity Calculators & Financial Planning
• [06:42–11:15] Proposed Credit Card Interest Cap: Pitfalls & Tradeoffs
• [11:15–14:34] Debit Cards and Credit Score Building for Gen Z
• [14:34–17:22] Renters’ Market: Free Rent & Negotiating Leases
• [17:22–20:16] Housing Bets: Polymarket & Gambling on Real Estate
• [20:16–24:58] Store Brands Get Respect: Grocery Savings on the Rise
• [23:47–26:22] GLP-1 Meds Trim Food Spending
• [28:47–33:23] Pokemon Card Investing & Bad Influencer Advice
• [33:23–35:03] Bear Markets, Staying the Course, and Investor Psychology
• [35:03–39:47] Streaming Fatigue and the Subscription Squeeze
• [39:47–43:11] 100-Month Car Loans & Used Car Affordability

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Tone & Recommendations

The hosts maintain a friendly, conversational, and practical tone. They balance skepticism of top-down interventions and speculative “get rich” trends with actionable, down-to-earth money advice. Listeners are encouraged to:

• Think long-term and plan for a long life.
• Avoid gimmicks (cap proposals, influencer “hot tips”), and stick to fundamental financial habits.
• Shop around and negotiate—especially in the current rental and grocery market.
• Beware of ultra-long debt obligations and speculative investments (from cars to collectibles).
• Regularly reassess media subscriptions to avoid waste.

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For more, visit the show notes at howtomoney.com.

Transcript

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[Joel]

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[Joel]

Welcome to how to Money. I'm Joel.

[Matt]

I'm Matt.

[Joel]

Today we're talking credit card caps, free rent and Pokemon investing.

[Matt]

Pokemon investing sounds like such an oxymoron, Joel. But we'll get to that story here in a little bit during our Friday flights.

[Joel]

Don't hate on Pikachu, brah.

[Matt]

Little how to Money weather update. We hope everyone survived the the cold blast that a lot of the country got slammed with yesterday.

[Joel]

It was not just cold.

[Matt]

We don't often talk about weather here.

[Joel]

Gusty winds. They were hitting. I felt like I was running a wind tunnel this morning. Yes.

[Matt]

Yeah, you went to shy away from the cold weather a little bit. Were you wearing gloves?

[Joel]

Yeah.

[Matt]

Okay.

[Joel]

Fingers still felt like Icicles.

[Matt]

What kind of gloves do you have?

[Joel]

They're, like, thin, like running gloves. They're not great.

[Matt]

All right. If you see me out there running with gloves on, they'll be AKA socks on my hands.

[Joel]

When it's cold enough, I, like, I almost need to double up. I really should when it's that cold. But. Yeah. So much to get to on today's show, Matt. But. Okay, first I wanted to bring up. I'm curious, have you ever checked out a longevity calculator to see how long I have? Your life expectancy is.

[Matt]

Okay, I have.

[Joel]

What did you learn?

[Matt]

Gosh, it was with North Insurance Company. Based on what I entered in, I should live into my 90s.

[Joel]

Okay. It's interesting because, I mean, like, the questions are so basic on it. It's not like they know a ton about you or your family's health and medical history, stuff like that. But answering a few basic questions, I think can at least. What I love about it is that it at least prompts you to think about the potential of living that long. Right. Because I think a lot of people just. It's not really on. On their radar. And so I went to one.

[Matt]

On my radar, man.

[Joel]

It's on your radar, I think. I mean, that's awesome.

[Matt]

As I forecast, I'm like. I'm assuming I'm going to hit 100, but not from, like, I'm not expecting to. Yeah, I mean, it would be great, I guess, if I did, but from a. Like, from a financial. You're talking about from a financial standpoint, when you're forecasting off into the future, I always plan at least. I mean, not at least 100, but.

[Joel]

I do maybe 120.

[Matt]

I'm like, all right, another 60. Not quite six.

[Joel]

Put your brain in a vat and. Anymore attached to a robot body, like, yeah, it's possible. And you still need extra money.

[Matt]

This is like, a nice, safe number to shoot for.

[Joel]

The triple digits, baby. Yeah. So it was interesting. I plugged my numbers in, and it says that I have 100% shot of living to 60, which is interesting because I don't. That's for sure. There's certainly at least a chance I get hit by a bus or something like that. Right. So that part kind of weirds me out that it's like, no, you're definitely gonna live. It's like, no, maybe not.

[Matt]

Maybe not. I mean, it's likely that you will, but it is. It is likely. Yeah.

[Joel]

And 50% shot of living to age 90 and a 26% shot of living to 95. So. But when you think about it like.

[Matt]

That, did it say, did it give.

[Joel]

You like an age? Like, like you are likely to rate a death age? Yeah. No, it didn't say that.

[Matt]

That's what I. So I've seen the ones where it's like more of a probability. It's more of like an actuarial.

[Joel]

What if it said 44? And I was like, no, that's coming soon.

[Matt]

What's the movies where it's all about Final Destiny as like, Final Destination, but podcaster style. No, like the ones where it's more of a percentage doesn't. I don't know, like, there's just not enough to hang your hat on. And it's not like you are going to change your life based on some magical number that a calculator spits out. But I do like having an act number to shoot for because you think in life stages and specific ages and less, in my opinion of like, you have a. What do you say, like a 50% chance of living to age 90. It's just like, okay, well, what does that mean? So it's a coin flip.

[Joel]

It's pretty easy to understand. It's 50. 50, baby.

[Matt]

I know, but it's just. I don't know. I like the idea of a singular number also. Go ahead, put a disclaimer in there. Right? Like, go ahead and say, by the way, there's no way of knowing whether or not this is actually going to take place, but it still gives you likely to live to 95 years old. You're also going to know that. All right. There's also a chance you only live to 85, maybe even 75. There's a very, very, very small chance that you are going to live to 105. I don't know. I guess I appreciate that more. But I think what you're saying, though, is it can be a nice tool to look off into the future, which I don't think people do. That's right enough.

[Joel]

I think that's really at the heart of using that. I was like, oh, it just made me think again, I'm going to be really old someday with a ton of wrinkles. And it's like the Oldify Face app.

[Matt]

Whatever.

[Joel]

It's likely going to happen, which I love and I just want to be. It makes, I think for a lot of people who, especially our younger listeners, it's really easy. I mean, when I was in my 20s and early 30s, you feel invincible. You're like, death will never hit me. But the truth is it'll be there someday, but maybe a long way off in the distance. And so at least kind of being like, oh, actually there's a large chance I live to a ripe old age. It might get you a little more enthusiastic about saving for your own future. Absolutely. Yeah.

[Matt]

Whatever is going to move the needle for you to get you to do more of the thing that you know you need to be doing, I think is what I would recommend. Joel, let's talk about some of the governing that took place this week or actually I should say less governing and more executive actioning that took place during via Truth Social. And we talked about Wall Street's involvement in the housing market last week. This week the president is taking on credit card interest rates and he's wanting to capture the interest rates that banks are charging at 10% but just for a year. Friend of the show Noah Smith, he called it gangster affordability, which is a pretty nice description because what it does is it's like someone just shows up with a crowbar or like what was that? The wrench attacks we talked about? That was with Bitcoin with Natalie B. I forget her last name.

[Joel]

Brunel.

[Matt]

Yeah. Regarding. Oh, here is something that isn't actually completely safe and fully protected in a.

[Joel]

Similar low tech, a low tech driving violence on a high tech product.

[Matt]

I feel like that's what's going on here with the gangster affordability. But that being said, no legislation has actually been proposed. But on the positive side of things really.

[Joel]

Comments.

[Matt]

Americans with credit card debt, they would save a significant amount of money in interest. It's calculated that it would be $100 billion annually. But there's always trade offs. And the worst part is that this could hurt the folks it's attempting to help. Right. Like the, the, the, the talking points are that oh no, this is, this is for affordability. But what this means is that folks with subpar credit scores are going to find themselves unable to have any access to credit cards at all. And the reason being is because banks charge a higher interest rate to higher risk consumers, which just makes a ton of sense.

[Joel]

Yeah.

[Matt]

If they are legally unable to, if they are barred from doing this, these folks are going to have access to any credit at all, which could push them potentially towards even worse financial products. I'm thinking of like payday loans or.

[Joel]

Whatever, but this is now pay later payday loans. Those are going to take up credit cards.

[Matt]

Maybe we'll find a way and you could try to like stop like put the finger in the dike that's about to burst. Like water always finds a way. And in a similar fashion, like when it comes to unless you regulate everything consumer debt related in the financial market altogether, there will find a way. The market finds a way.

[Joel]

Yeah. And so this is untenable. A lot of the banks are crying and I think a lot of people assume, well who cares about the banks? And while I understand that sort of.

[Matt]

Reaction, it's the system, it's not even about the banks. I truly don't care about the banks. But it is the unintended consequences of what this would do. It's like anytime the government honestly gets overly involved in, let's say the government gets involved in what's something else. That's burritos are really expensive, right?

[Joel]

Yeah.

[Matt]

Like oh my gosh, dude, what? I spent like $20 on a burrito yesterday. Okay, let's say cap Chipotle prices. Yes. What if they're just like, okay, from now on, five dollar burritos for everybody. Woohoo. What's that gonna mean? Well first of all there's gonna be a line out the door because everybody is gonna want to get a $5.

[Joel]

Burrito and the burritos will be crummier and then smaller.

[Matt]

And then let's say, well, I can't even get a burrito because the lines are so long. Oh and then they run out of supplies so they have to shut the doors and. But then after weeks they're like, you know what, we're actually losing money here. So what, what's Chipotle or whoever, what do they do? So you know what, let's start putting less meat on that. We're going to limit the options. Before long you either are going to receive a really inferior product or they're just going to close shop altogether because they are going out of business. And that's what's happening. That's what could happen to subprime borrowers when they are denied access to credit cards.

[Joel]

And this is why, I mean something like 47% of people who have a credit card don't pay their balance off on time and in full and every single month. And that is part of our golden rules of plastic. That is the only way it makes sense to use credit cards in your life is if you do, if not work towards paying that debt off as quickly as possible. Yes, it's hard to do when interest rates are 22, 24%. But it's coming up with a debt payoff plan or getting help if you need it is crucial. So you can get out of credit card debt as fast as possible. But this is not the best overall long term solution for Americans in general. And just a side note, when we're talking about credit card rewards, there's a chance that it could either become more barbell in nature where the most premium users get more rewards, or just maybe more annual fees assessed on certain cards. Like a 2% cashback card right now that doesn't come with an annual fee might start to come with an annual fee because of caps on interest rates. So yeah, it's.

[Matt]

The market shall find a way.

[Joel]

Yeah. Speaking of credit cards though, according to a new survey, Gen Z are dishing credit cards in favor of debit cards. And there are two main reasons. One, they want to avoid debt and two is they say it makes it easier for them to track their spending. Using debit cards instead of credit makes sense. I think those are both actually solid reasons.

[Matt]

Fewer intermediaries. Not everybody wants to be an Excel nerd.

[Joel]

Yeah.

[Matt]

Like myself.

[Joel]

Yeah. And if at some point you're like actually using this other piece of plastic is likely to get me further into debt and that's something I want to avoid. More power to you. I understand that impulse for using a debit card. And of course we're talking about credit card debt usage, using it responsibly all the time. But when most people can't do it. Yeah, you might want to opt for a debit card instead of a credit card. It's almost like, I don't know, think about moderation and alcohol, Matt. That's how I typically think about. That's how I handle alcohol usage. But if I had struggled in the past with drinking too much, with it getting out of control, I could totally see why someone would say I'm not going to touch the stuff at all. Because I feel like for me it's just, it's never a good thing. Right. And there's too much of a propensity for me to. For it to become a problem. So yeah, even though debit cards are inferior in some ways, I think it can still make sense. But the downside though for a lot of people is that debit cards in particular aren't helping people build a good credit score. Although something like 43% of those gen zers think that they will think that using their debit cards is still going to help them improve their credit score. But it's. Your debit card's not factored into the mix, people. And so no, it's not. Yeah. If you feel like credit cards Are your arch nemesis. Sure, use debit. But it's also important if you're doing that to find other ways to ensure that your credit score is being built up. If you kind of give the Heisman to credit cards, just make sure you're still paying attention to your score. And you might need other forms of debt access and using that wisely to help build your score up.

[Matt]

Yeah, the only thing. Wrong or not, I don't want to say wrong. The only consideration with your alcohol analogy is, though, that some forms of credit are necessary to build your actual credit score. Whereas alcohol is like, purely optional. Right. Like, it's not like something that everyone has to have one glass of wine a week, but if you overdo it, it's gonna mess you up. Right. That's the thing with credit cards. And why it is such, I don't know, a slippery slope for a lot of folks is because it's like, shoot. No, you do have to find a way to get your hands on some credit to be able to help build up your score. Otherwise, I mean, you're still able to build a decent score. It's just oftentimes it's incredibly sensitive to the movements of that one payment that you're making, as opposed to having like a. Like an entire arsenal, a whole wallet of cards that are all feeding, feeding into your store.

[Joel]

Which is why you. And I would typically say, well, if you use your debit card, but grab a credit card or two, put one recurring monthly payment like your Netflix subscription or something like that, or use one credit card just for gas every month, something like that, and pay them off on time and in full with autopay every single month. Other than that, just leave them at home. Like, don't use them, don't put them in, don't put them on autofill with Apple or Google or whatever. So, but that way at least you have access to credit. You're using very little of that credit, but you're also not tempted to spend on those credit cards on the reg.

[Matt]

That's right. You know, declining affordability. It remains the most important topic to most Americans still, but we have actually seen some segments that are bucking that trend. And specifically, I want to highlight renting because it continues to get more affordable in many cities, especially some Sunbelt cities, which saw a lot of new construction in recent years, and now there aren't enough renters to fill all the. All the new units. It just goes to show, Joel, that more supply really does make a difference. When you let the. Let the free Markets play out, let the builders build. You know, it's like, oh man, rents are so high, I want a piece of that action. All these developers come in, they want to increase their profits, they build a bunch of properties, but then that increase in supply drives down the demand because there's more options available to renters. It is self correcting. More supply does make a difference. So what that means if you are a renter in one of these towns, it could mean free rent at least for two or three months as significant discounts and different incentives are getting steeper in an attempt to fill these vacant units. So what that means though is just don't resign a lease with your current landlord without giving it any thought. Right. Like we want you to shop around and you might be thinking, well, I don't want to go anywhere. Like I really like this place. This is like the perfect location. That's totally fine, you can stay, but use those discounts that are out there as supplies as fodder for your negotiation. Right. Like you need to come ammo, you need to show up armed, ready to go with this data. But that being said, I think moving it could be your best bet if you're looking to save the most money. I mean, if you can get like two months worth of free rent from an apartment complex that's struggling to get their units filled, man, that's. I would have a hard time, especially if I was in that sort of phase of life, to not pounce on that and all those deals.

[Joel]

And I think actually because of the free rent thing, the numbers aren't quite as reflective of how much rents have declined in certain spots because it's like, well, average rent amount per month is typically what's taken into consideration.

[Matt]

Two lessons, two less.

[Joel]

That brings down the rent, that brings down the average price of rent, but not necessarily in the headline numbers that we see. Yeah.

[Matt]

So yeah, just imagine, imagine if like your bank was like, you know what, November, December, don't even worry about paying your mortgage. Like that would be so sweet.

[Joel]

That'd be sick. Yeah. And so it's a big deal. This is like, I've talked about this on the show before. This is like my sister's thing. She does this almost every year without fail. Moves to a new place. Usually it's not far, it's right around the corner. But it depends on the city you live in.

[Matt]

Right.

[Joel]

There's some cities that have more supply, that have more availability than others. But if you live in a city where those dynamics are at play, take advantage of it. Pounce on it.

[Matt]

Love it.

[Joel]

Something you don't want to do is bet on the housing market, though. You can now, of course, because you can bet on anything.

[Matt]

You can bet on anything.

[Joel]

United States of gambling. America feels like that's where we live right now. And so instead of speculating by buying a home, oh, I'm going to flip a home and I'm going to try to make some money in the housing market. You can instead place a wager on the direction that you think home prices are going to go in major US Cities. Of course, this is on the site polymarket, which is going to use data from Parcel Labs, which is actually really good company, in order to determine winners and losers. It's cool in one way, Matt, because the data of what the masses think is informative. Right. Because there's always speculations from experts in the space. But when you kind of take the hive mind and what, what the average or the majority? Not the majority, but like a bunch, you know, thousands and thousands of people think about what the direction is going to be, you do get, get some insight. But it's also straight up gambling. And it's.

[Matt]

Yeah. What you're identifying are the two different perspectives of how you look at polymarket for specifically.

[Joel]

Right. Like if you are somebody fascinated by it.

[Matt]

Yeah. If you are a journalist or a researcher, like, this is valuable information. It is interesting to see what people are thinking. But if you're someone who's just like, yeah, I'm gonna. I'm gon big. Well, it's a gambling site.

[Joel]

Yes, that's right. That's right. And it's important to also note that these prediction platforms are rife with controversy on multiple levels. But for instance, there was a $400,000 payout. That essentially depends on semantics. Right. Whether the removal of the president of Venezuela counted as an invasion or not. And I guess invasion is in terms of the eye of the beholder. So does polymarket get to make that decision? I think there's just a lot of wor I have about individuals gambling from their phones. I mean, I'm sorry, predicting things from their phones. They're just going to be speculative havens. A real waste of time and money for a lot of people. Yeah.

[Matt]

They just need to get real clear with their language though. Right. Like what constitutes an invasion. Because I also kind of like we're kind of, we're moving from the macro to the micro here. And like I'm thinking about the invasion thing and I'm like, okay, I could understand why it wasn't maybe. Is polymarket saying that it wasn't an invasion?

[Joel]

I think so. I think that's why the person is not supposed to win that bet.

[Matt]

Okay, got it. An invasion. Like the Huns invaded the Roman Empire. Yeah, but like, we didn't. Like, you displace people when you invade. Like, there's other things you could call what the current administration did.

[Joel]

You call it an operation, a special forces operation.

[Matt]

You could call it liberating the oppressed people of Venezuela.

[Joel]

That might be overreach too.

[Matt]

Or you could call it the illegal removal of the toppling of a regime. You call it what you want, but I don't know. I could get on board with not calling it an invasion.

[Joel]

Yeah, but like, that's, that's my point though, is who gets to decide? And when your money's at stake, Polymarket be like, sorry, you thought you won, you lose. Still.

[Matt]

Okay, let's shift gears away from a potentially controversial topic, Joel. Instead, let's talk about something everyone can agree on, which is the fact that we're all looking for more affordable goods. It all started with Trader Joe's and Costco, but now it has expanded to grocery stores across America. And American consumers are. They're getting the memo about store brands as they keep getting better. Walmart, man, have you checked out Better Goods? Better Goods is Walmart's new private label that they launched.

[Joel]

I have not partaken yet, but I'm not gonna lie, I'm curious.

[Matt]

The labels look really good.

[Joel]

Yeah.

[Matt]

And kind of bright, colorful, like well designed, nice colors. Like it's not. Yeah, yeah. It seems like it's done well. As to the quality of the goods, not totally sure yet, but private label goods sales are up by four and a half percent year over year, while name brands are only up 1%. And I do think part of this is affordability. Right. Folks are a little more loyal to what's gonna allow them to not overspend. But it's also that the private labels have improved a ton. A shocking stat in that story that I saw was that 84% of consumers trust in the quality of store brand products. More or the same as the national brands.

[Joel]

Yeah.

[Matt]

And yeah, if you're a knee jerk name brand buyer, I think it's time to rethink that strategy, especially as prices are and these private labels have gotten better.

[Joel]

I think 20 years ago it used to be assumed that the private label store brand goods or whatever were just inferior. And to be honest, they probably were. Like a lot of times they were 20, 25 years ago.

[Matt]

Not if you're a college age. Matt getting. Picking up his frosted mini spooners from Kroger in the Giant, or maybe that was even Walmart in the Giant bag. I swear I would buy like, I don't know how big it was like the size of a pillowcase when I buy my frosted mini wheat knockoffs. And the reason I love.

[Joel]

I feel like cereal was less of a gamble too. You know, you could, you could go with like off brand cereal and be like, ah, it's not too bad.

[Matt]

I swear they're even better. And you could see through the bag and see the actual pieces. It's because they had more sugar, it had more of that. So that's why I went for it, man. I was just like, those are better.

[Joel]

Worse for me. Better tasting. Totally. But this is, it's one of those things where I think you people don't make the same assumption anymore. And Kirkland Signature is certainly part of that. A lot of the Trader Joe's private label stuff is, is part of that. And we're seeing just other grocery stores just make a concerted effort to increase the attractiveness and the quality and the taste of their store brand goods. I'm like, yeah, when I. And that's always what Costco has said about Kirkland Signature. They were like, we won't even make it unless we think we can improve on the name brand product. If it's not better than what the name brand product is like, we don't want it. What's the point with our label on there? And so in some ways, I think, you know, that that survey reflects at least the way I think about good store brands that I buy consistently.

[Matt]

Yeah. Just if you're Trader Joe's, make sure to avoid that copyright infringement that they keep getting. Keep getting hit with for making like identical products.

[Joel]

Trader Jose's, right?

[Matt]

Yeah.

[Joel]

And Aldi is the fastest growing grocer in the United States, Matt. Oh, yeah. I know that warms your heart. Something like 90% of what they sell is store brands. Their store brands are gotten better and better and better and.

[Matt]

Oh, okay. And they're adding more stores this year, I think. I think I saw like 180News. Like they're opening more stores and this year than the first year of their operation in the U.S. wow. Which I'm so happy for so many Americans who are going to finally get to taste the great food and low prices of Aldi. Most def.

[Joel]

I'm curious to hear your take on this. I saw a study from Cornell and they basically said, hey, guess what? Another way to save money on groceries is taking GLP1s. What do you think?

[Matt]

I think that makes sense because it causes you to eat less. Therefore you spend less at the grocery store, right?

[Joel]

Less hungry. They specifically found that households cut grocery spending by 5% in the six months after using WeGovy or Ozempic and spending on fast food and sweets and snacks in particular, which are some of the pricier, less filling products you can get at the grocery store. Spending on those products went down meaningfully too. Obviously, the long term impact of those drugs is still somewhat unknown. And I'm not suggesting, I don't think you are either, Matt, that everyone out there go like, take on a prescription for these. They're also still, they're getting cheaper, especially by dictate, but they're still relatively expensive. Although I think in the not too distant future, I think in Canada you can now get, as of maybe this month, you're able to get generic GLP1s which will dramatically reduce the cost.

[Matt]

Generic GLP1s and in pill form. Like, I think that's when it's going to go more mainstream. Honestly though, I'm surprised that it's not even more of a savings because you think about how much less people talk about eating. It's like only a 5% drop in groceries. That actually kind of surprises me.

[Joel]

You think It'd be what, 10, 15?

[Matt]

Yeah, I mean, yeah, I would think. Like, I think, I bet folks would say, well, I'm eating, oh my gosh, 20% less. And so I would kind of expect to see a 20% reduction in groceries as well.

[Joel]

Well, especially because like the, the snacks and the sweets, like those are, those.

[Matt]

Are also more expensive. You should see an outsized impact.

[Joel]

Bag of chips is like $6 now. Man.

[Matt]

Dude, I wonder. I would not be. Okay, so a lot of our grocery shopping takes place out of habit. Like when you go to the store, you get this, you know, like you get what you get a lot of times, or at least that's how we shop. And maybe other people aren't in the habit of doing it this way. I would love to know how much food waste is there at home. As people are buying the same thing, they've adjusted their spending a little bit. But instead they're like, oh man, tossing out like you're used to getting like a couple cartons of eggs, certain amount of milk, bread, go a few heads of broccoli. How much broccoli are people throwing out? Because they're not getting around to eating it because they're just like oh, I'm just not that hungry. And I wouldn't be surprised if over time as like if this was a longer study, I wouldn't be surprised if the impacts stack as people are getting used to consuming less, therefore they start actually spending less when they're at the grocery store.

[Joel]

I like it. All right, we got more to get to, including Pokemon card investing and some shocking news for used car buyers. We'll talk about that and more right after this. If you've ever hired for your small business, you know how important it is to find the right person and get this employees hired through LinkedIn are 30% more likely to stick around for at least a year compared to those hired through the leading competitor. When you make the wrong hire, it's costing you time and money. And LinkedIn jobs AI assistant is stepping things up by filtering through applicants based on criteria you've set for your role.

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[Matt]

All right, buddy. We are back from the break. It is now time for the ludicrous headline of the week, which this week is from Business Insider. I will say I feel like Business Insider maybe they take the lead on the number of ludicrous headlines that we've taken from them.

[Joel]

Provocative headlines. Yeah, they're covering some interesting stuff, though.

[Matt]

I feel like the stories are good, but, yeah, the headlines are better. I don't know. The headline for this one reads, logan Paul says young investors should consider non traditional assets over stocks as he auctions a $5.3 million Pokemon card. Which, of course, first of all, I feel like I need to address, like, the elephant in the room. Like, $5.3 million for a Pokemon card.

[Joel]

Who knew?

[Matt]

What's that all about, dude? I don't know, y'.

[Joel]

All.

[Matt]

You got Pokemon cards over at your house?

[Joel]

Yeah, my son loves Pokemon cards, but he's sick, so he could care less about the value. They just.

[Matt]

They're all bent, so they're actually not worth millions. They could have been, though.

[Joel]

That's probably true. Oh, man.

[Matt]

How this could have been your everything fund buddy. This could have been college, your first car, your first house.

[Joel]

Yeah. If I look up Logan Paul's, and I'm like, dude, you've got the exact same one. But it's been.

[Matt]

It's such a. I mean, I know it's such a long shot, though, but still, even I'm sure the chance makes a lot of people want to comb through. Like, one of my daughters has a bunch of Pokemon cards. Not because we buy them for. I don't know where she gets them. She says that friends from school give them, like, give the ones they don't want.

[Joel]

Kids are always trading stuff like that.

[Matt]

Yeah, I think they're trading. Mm. I think she's like. She's like Tom Sawyer. She's trading, like, a broken pencil eraser, like, for. For, like, some kids lunch. And they're like, oh, sweet pencil. She's like, oh, I'm hungry. Anyway, Pokemon cards, that's one thing. Also, let this be a lesson. Take investing advice from influencers with a grain of salt, especially if they stand to gain financially if you follow their advice.

[Joel]

Isn't Logan Paul the one who did, like, some sort of crypto scheme, made a lot of money, but all his followers Lost a lot of money.

[Matt]

He does everything.

[Joel]

And I'm just shocked that people would still listen to him or still follow someone who led them down that path.

[Matt]

Dude. Yeah. So Charlie Munger, show me the incentive and I will show you the outcome. Like this is a classic instance where he stands to gain, man. And he said in that, in that article, don't be afraid to take a risk. Is this how he talks? I don't know.

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Don't be afraid to take a risk.

[Matt]

Especially if you're young and there's some, there's like every bad advice, bad advice, there is a little kernel of truth at the center of it. Like you do actually have time to recover. But smart traditional investing early, it goes a long way towards kicking off the compounding process. And this is not something we want to see people do. Stick with widely diversified low cost index fund in your retirement account.

[Joel]

There's also so much more volatility right. In the alternative asset space. And so it's really easy to see something just like go up and to the right until it doesn't. Right. Like Beanie Babies. I think there's been, I saw a recent article about how maybe some of them are going back up in value. I don't know though, if people have been holding on to those Beanie Babies for a long time. Maybe a few people made bukus of dollars if they had one of those rare Beanie Babies that people craved or something like that. But for the most part, people spend a lot of money on Beanie Babies in hopes that they would go up in value. And now they're sitting with a giant bucket of them at home that's been in the attic for the last 25 or 30 years in the stock market. Unlike trading cards, it's not a fad. Speaking of investing, the Wall Street Journal had an article about the benefits of bear markets, which sounds like an oxymoron. You're like, bear market, that means the market's going down. How is there, how's their benefit to that? But a down market is often a necessary correction when exuberance is off the charts. And it's also not an abnormal experience. Like I have no idea. I'm not making any prediction about what's going to happen in the stock market. With the stock market this year, I think basically all of the Wall street firms that make predictions have said, oh yeah, the market's going to crush this year. That doesn't lead me to believe that they're right. Investors should be expecting a down year from time to time on Average what, every five and a half years. And if you're properly diversified, if you have the right mindset, well, a bear market could be a good thing for you if you keep that mantra, that Nick Magi mantra of just keep buying. If you're like, oh, market's going down and at first for a second you're probably like, yeah, that's not good, I'm seeing my balance go down. But if you're still buying regularly, still.

[Matt]

In that wealth building phase of life.

[Joel]

Dollar cost averaging into your 401k, or buying regularly in your Roth IRA or, or your taxable brokerage account, whatever it is, you're taking advantage of a bear market. And so I think for a lot of younger how to money listeners in that wealth building phase of their life, yeah, it's a, it's actually a good thing.

[Matt]

It's a good opportunity. Absolutely. Yeah. There is another great article about the benefits of actually doing nothing when it comes to your portfolio. What's going on in the markets, the news, the headlines, as an investor sitting on your hands while just making those regular contributions is a really solid plan. And if you look back, man, with all the economic risks that we saw last year, like terrorists, the geopolitical tensions.

[Joel]

That we saw, and we're still continuing.

[Matt]

To see, uh huh. Despite a rough start to 2025, your portfolio, it still performed really well if you stayed the course. We ended 2025 like around close to 20. I think it was 18%.

[Joel]

Yeah.

[Matt]

This is the third year in a.

[Joel]

Row not as high as many other countries. Many other countries not as high stock markets that, that vastly outperformed the United States.

[Matt]

But I mean, how many years have. Folks.

[Joel]

Yeah.

[Matt]

Going back to what you said previously, yes, bear markets are good, it's good to have corrections because the unbridled exuberance is not something, is not something that is sustainable. Would I rather see a nice 8.5% year after year? Oh, absolutely. And that's what the market has actually proven out over the past 100 years. That being said, the swings, the ups and the downs, that accounts for some of that emotional decision making that finds its way into the market. So yeah, count on that.

[Joel]

And I think what you're getting at with the just doing nothing thing, it makes me think of this Peter lynch quote when he said far more money has been lost by investors trying to anticipate corrections than lost in the corrections themselves. And when you listen to the naysayers to the people who say a pessimism just kind of sells, it makes sense.

[Matt]

Right?

[Joel]

Pessimism often makes sense. Sense because there are so many negative things happening in our country and in the world, it's easy to focus on those and be like, well, clearly that's going to affect our economic engine. Potential hurdles always abound, but so do potential breakthroughs. As Morgan Housel would say, invest like an optimist. And if you're trying to change things around in your portfolio because you're worried about the future and you don't want to see your balance go down, odds are in most years that's going to be a bad decision. Let's talk about streaming for a sec, Matt. Is cable on the comeback?

[Matt]

Well, the cost of YouTube Premium, I think folks are willing to consider. Wait a minute, all these things combined.

[Joel]

It's been interesting to see because cable companies aren't. They haven't done well over the past decade as streaming has emerged. But as streaming has become more and more expensive, pay TV isn't declining like it used to. Like it was. And at first, what seemed like this unalloyed good, right, that streaming was going to be this money saving thing for consumers, right? They, they don't have to put up with ads and it's just easier to watch whatever you want to watch when you want to watch it. That doesn't. Streaming doesn't quite feel like it did in 2015. Right. It's changed a little bit. In some ways for the better, but in some ways for worse. And there's also just like so many streaming companies and rising prices that it's really hard for individuals to like, save money because they're pulled in so many different directions. And cable companies and streamers are making these mutually beneficial deals on bundles. And so more folks are opting for this mix now of live TV and streaming options. But if you're opting for both, that means it's going to be even more expensive. And truly, truly, as we've always said, like watching less tv, having fewer subscriptions. This is the answer here. It might mean saying no to like an awesome new TV series that you're like, I'm interested in watching like Stranger Things Season 5 or something like that. Maybe you're like, all right, you know what, I'm going to sit this one out. I'd rather have my money. And clearly everyone knows this at this point, I think, but like, live sports is the most expensive and the games have been essentially dispensed across the multitude of streaming channels. And so if you want to watch every live sports game, you're going to pay a pretty penny for the. For the privilege of doing so. That's true.

[Matt]

Yeah. But despite rising prices, the proliferation of services, there is some good news on this front. There are more free streaming options that I think folks should consider because they've gotten better. It's kind of like the private label at the grocery stores. There's like, there's some serious advantages here to be. I think that's how you say it. I've never actually entered a discussion with anybody. Well, we talked about Tubi, but Roki.

[Joel]

I did watch something on there not too long ago.

[Matt]

What'd you watch?

[Joel]

Platoon. The old Charlie Sheen film. Yeah. And what Scorsese, Vietnam.

[Matt]

Is it Scorsese Vietnam War?

[Joel]

I don't know. But Roku, maybe it's Francis Ford Coppola. I don't know.

[Matt]

I don't know either.

[Joel]

Some awesome director, right?

[Matt]

Crackle? That's another one that's out there. But I'm just pointing to some of these great free options, and I think fewer paid services and just using them more sparingly, plus certainly consulting the free ones more often like that is going to be a good recipe to follow in order to lower that streaming bill. The subscription costs that are automatically getting drafted from your account. And that's the. I think that's the biggest slippery slope is like, you get it, there's something you do want to watch because it's exclusively there, and then you keep it around even when you're not taking advantage of it. That's something we even did over the holidays because, oh, there's like this. There's a couple cooking shows we want to watch as a family, which, by the way, we're starting, starting to glimpse, like, the future of, like, the kids getting older and them having interests. And this is like the first show that Kate and I have watched where we're like, yes, this is awesome. This is something that we enjoy that y' all are also interested in. But are we watching that right now? No, because we're back to school and life and kids. You know, everybody's busy. Have I canceled that Netflix subscription? No, and I probably should. But everybody wants a piece of that recurring.

[Joel]

You can do it right after we're done recording subscription.

[Matt]

It makes me. Well, even Tesla, speaking of subscriptions, they announced full self driving is only going to be available via subscription. Just evens out that. That revenue flow and helps them to make decisions better from a, from a business.

[Joel]

But that just means consumers are on the hook for another recurring, another subscription. And we've talked about that with cars, too. Just right the heated seat subscription. It's as cars are more connected and the manufacturers have, have the ability to make updates over Wi Fi. How cool is that? Well they also have more control over that car and can charge you for the ability to use certain features.

[Matt]

Yeah. Speaking of cars, you want to get to our next story here?

[Joel]

Yeah, let's do it. We're going to do this briefly because I feel like we've talked about this a lot but a new milestone has been reached, Matt. There's 100 month car loan now in existence and it's just tough to fathom that people are signing up for eight plus years.

[Matt]

Yeah, I don't even know what that is. It's like eight something years.

[Joel]

8.3 years. Yeah. It's insane.

[Matt]

Too long.

[Joel]

Yeah. And the like our thesis has always been don't take on debt for a depreciating asset. And if you absolutely must like take on car debt, keep it limited to 36 or 42 months. But the idea of extending it all the way to 100 months. We're seeing even already kind of the downsides of extremely long car loans and people trading in cars that they're massively upside down on increasing the interest rate and their overall car debt and being even more upside down in the next car they buy. It's just a slippery slope. And just because someone says yeah, we'll finance that car for you over the next eight years doesn't mean you should take them up on it.

[Matt]

Yeah. And by the way, new numbers from Edmunds shows that it's not just new cars that are the budget busters. 6.3% of used car buyers are facing down $1,000 monthly car payments as well. And so man, it's just about trying like getting out there, trying to find a well loved older car that is in good shape. And this is a story that Michelle friend of the show Michelle Singletary wrote. But one thing that I didn't like is she's just talking about for many people it's like it's not how, it's not a luxury and I agree. But luxury cars are luxuries and luxury cars aren't what is necessary to get you to work. That's what she was talking to, speaking to.

[Joel]

Right.

[Matt]

The fact that you got to have reliable transportation and just the man, there's like lifestyle inflation, the hedonic tremo, like we have all found ourselves liking nicer and nicer things. I just think about how nice everything is. Like everything is so nice. But it doesn't have to be like Bring back this makes me think of was it slate? The slate auto, the little EV truck. One of the things that made that so attractive to me was the fact that. But not bare minimum, like bare bones. Like the windows were manual windows. Like take it old school a little bit. If there are folks out there who are willing to purchase something that's going to be more affordable, that's going to be more budget friendly, that doesn't have all the bells and whistles, man. Everything doesn't have to be a computer and that's the direction we're moving.

[Joel]

Yeah, I know when I was buying used cars, Matt, like 20 years ago, you could get a pretty solid used car for like 3, 4, $5,000. Not like anything that somebody was going to be fawn over but at least something that would be solid get you from place to place. And it seems like that's harder than ever to do. You're talking about for like a solid used car. For a lot of people we're talking about spending five figures like 10 grand. But it doesn't have to be 30, 40, $50,000. I think that's what a lot of people have led themselves to believe. If you look at the Consumer Reports reliability ratings and you angle towards those cars that are lower mileage like 10, 12, 15 years old, you can still find something I think that is reasonably priced, that will last you for a long time and it won't be like in the shop regularly agreed. Honda fit.

[Matt]

Right.

[Joel]

That's like the, that's Consumer Reports car of choice essentially.

[Matt]

So if you like really ain't super fancy. Yeah, but it'll, it'll get it done.

[Joel]

But if you want a budget car that won't cost much but it'll get you where you need to go, then that's one of the ones to definitely consider.

[Matt]

Heck yeah.

[Joel]

All right, that's gonna do it. For this episode we will put links to some of the stories we mentioned up in the show notes on our [e-mail] that's right.

[Matt]

We hope everyone has a fantastic weekend and we will see you back here on Monday. So until next time, best friends out. Best friends out.

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[Matt]

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[Joel]

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