Friday Flight - Jump at the Pump, Lessening Leverage, & Tapping Too Soon #1110

Summary

Podcast Summary:

How to Money — Friday Flight: Jump at the Pump, Lessening Leverage, & Tapping Too Soon (#1110)
Hosts: Joel and Matt
Date: March 6, 2026

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Episode Overview

Joel and Matt deliver their weekly “Friday Flight,” a rundown of this week’s most important and offbeat personal finance headlines. This episode focuses on the sudden spike in gas prices due to global conflict, evolving job market realities (especially for remote work), the risks and realities of tapping wealth stored in homes and retirement accounts, and trends in expensive consumer goods. Their trademark mix of financial wisdom and approachable, often humorous banter keeps things relatable, with actionable advice for listeners navigating everyday money decisions.

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Key Discussion Points & Insights

1. Jump at the Pump: Surging Gas Prices and What You Should Do

(03:03 - 13:02)

• Why Gas Prices Are Spiking:

  • Gas prices have jumped sharply due to U.S. military operations in Iran and disruptions at the Strait of Hormuz, a global oil chokepoint.
  • Local stations have seen prices rise from $2.50 to $3.30 in a month, with potential for further increases if the conflict persists.
    • “20% of the world’s oil passes through the Strait of Hormuz, which has been cut off by the Iranians.” — Matt (03:50)
  • Despite the U.S. producing more oil than ever, oil is still a global market—domestic abundance doesn’t shield Americans from price spikes abroad.

• How People Respond to Prices:

  • When gas is cheap, people buy bigger, less efficient cars; spikes prompt a shift toward fuel efficiency.
  • Electric Vehicles (EVs) like Tesla lead in efficiency, but buying a pricier “efficient” vehicle may take years to recoup in fuel savings alone.
    • “I did the math… I would only be saving like $1,000 to $1,200 annually on gas prices. So in 40 years, by switching it would pay for itself…” — Matt (10:01)
  • Total cost of ownership includes fuel, reliability, insurance, and resale—not just MPG.

• Actionable Tips:

  • Consider older, affordable EVs like the Nissan Leaf as a second car—“like an economical golf cart!”
  • Don’t make hasty vehicle buying decisions based on short-term gas price hikes.
  • Listener engagement cue: Joel asks listeners how local gas station prices are impacting them.

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2. Lessening Leverage: The Shifting Job Market & Remote Work

(14:19 - 18:55)

• Remote Work is Fading:

  • New analysis: Remote jobs are 4x harder to land than in-person or hybrid roles, especially at large companies.
  • If remote work is a priority, focus job searches on small or midsize employers.
    • “Remote roles are roughly four times harder to get than in-office or hybrid positions.” — Joel (15:50)
  • Leverage for job switchers—those who move for better pay—has dropped since pandemic peaks. Some sectors (like finance, construction) still offer healthier pay bumps.

• Key Questions for Workers:

  • Is remote work worth a potentially longer job search or lower offers?
  • Understand that “out of sight, out of mind” can make remote workers more vulnerable in layoffs.
    • “It’s harder to fire or let go the person you see every day.” — Matt (17:13)

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3. The Perpetual Time Crunch: Working Less, Feeling Busier

(19:28 - 25:00)

• Work Hours Down, Stress Up:

  • Average U.S. work week now ~33 hours, lowest ever, but most people report not having enough time.
    • “I think the notion of feeling like you don’t have enough time is just a part of being human.” — Matt (20:38)
  • Complex modern life, “self-induced” busyness (think: digital distractions), and family schedules all contribute.

• Tangible Tip:

  • Track your time like you would your spending—doing an “audit” can reveal hidden opportunities to prioritize what matters.
    • “I literally was trying to track every 15 minute block… I just wanted to prove to myself I was actually able to do some of the things I said I wasn’t able to do.” — Matt (23:33)
  • Add restorative activities (e.g., walks, social time) intentionally to your calendar before it fills with less valuable pebbles.

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4. Tapping Too Soon: The Dangers of Raiding Your 401(k) & Home Equity

(27:45 - 34:34)

• Record 401(k) Withdrawals:

  • 6% of 401(k) holders took a hardship withdrawal last year—highest ever.
  • Rising balances can tempt early withdrawals, but taxes and penalties hit hard (10% penalty plus income tax unless it’s a qualifying hardship).
    • “Americans are grabbing 401k dollars early in record numbers… When it’s up, it’s just easier to tap your 401k.” — Joel (28:25)

• Compounding Risk:

  • Pulling out even modest amounts derails the compounding that’s essential for retirement savings.

• Home Equity Lines (HELOCs):

  • Americans are also tapping home equity as prices and equity soar (40%+ since 2020).
  • For tough situations like consolidating high-interest debt or necessary home improvements, HELOCs can be a better choice—interest rates are high (7-8%) but withdrawals don’t trigger retirement account penalties.

• Takeaway:

  • Build and maintain an emergency fund to avoid using long-term savings for short-term needs.
  • If your employer doesn’t offer a 401(k), new platforms make it easier and cheaper than ever for small businesses to start one.
    • “It allows them to attract and to retain great workers. A decent 401k feels like table stakes these days…” — Joel (33:25)

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5. Ludicrous Headline and Consumer Trends

(35:10 - 38:59)

• High-End, “Unnecessary” Products:

  • Example: $255 cashmere running sweaters—evidence that even niche hobbies now have luxury options.
    • “High-end everything… there are markets now that didn’t exist 10 or 12, 15 years ago.” — Joel (35:10)
  • Debates: Are high-quality (expensive) items worth it for daily use? Sometimes yes for longevity, but beware “designer” hype.
    • "I've got Patagonia shirts I bought over 20 years ago that I still wear... there's an argument to be made for high quality stuff." — Matt (37:53)

• Printers & The Razor Model:

  • Printers sold cheap; ink cartridges are where manufacturers make money—akin to the razor-and-blades model.
  • Solutions: Choose printers with refillable ink (e.g., Epson EcoTank), opt for laser printers, and print in color sparingly. For shaving, Matt praises “safety razors” as a way to sidestep similarly expensive blade refills.

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6. Tech Corner: Surprisingly Affordable Apple Launches

(42:43 - 45:27)

• New Apple Neo Laptop:

  • Apple’s new affordable laptop targets Chromebook/Dell price points, starting at $600 ($500 for students via the education store).
    • “For the first time, Apple and affordability can be put in the same sentence… this could be their best-selling laptop.” — Joel (44:55)
  • Focus is on creation (laptops for productivity) rather than mindless consumption, with solid specs despite using an “iPhone chip.”

• iPhone 17e:

  • Apple's refreshed entry-level iPhone at $600 is well-featured and more accessible.

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Notable Quotes & Memorable Moments

• Gas Price Realism:
  • “Even though we produce quite a bit of oil in this country now… because of the nature of the global market, we’re more insulated from price spikes, but we’re still not immune to them.” — Joel (06:52)
• Vehicle Math:
  • "I did the math... In 40 years, by switching it would pay for itself, which like, that is too long of a timeline." — Matt (10:03)
• Work from Home Honesty:
  • “The key question for job hunters right now is how much is work from home worth to me? Because it’s increasingly coming with real trade offs...” — Joel (16:13)
• Time Audit Reality Check:
  • "I noticed there are slots for all those things. I just need to stick those on the calendar and prioritize..." — Matt (24:30)
• Retirement Raiding Warning:
  • “Raiding them is rarely a good idea... You should be really thoughtful on the front end about how long it’s going to take to pay it back.” — Joel (32:21)
• Luxury Running Gear:
  • “I refuse to buy the cashmere running sweater.” — Joel (36:39)

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Timestamps for Major Segments

• Gas Prices & Oil Markets: 03:03 – 13:02
• Car Buying: Cost of Ownership & EVs: 08:05 – 13:33
• Job Market & Remote Work Trends: 14:19 – 18:55
• The Time Crunch: 19:28 – 25:00
• 401(k)/HELOC Withdrawals: 27:45 – 34:34
• Consumer Trends: Luxury Basics, Printers, Razors: 35:10 – 42:43
• Apple’s Affordable Neo Laptop Launch: 42:43 – 45:27

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Recurring Themes and Takeaways

• Zoom Out: Consider the big picture with any financial decision—think total cost, not just the most visible expense.
• Trade-offs Rule: Whether choosing a job, a car, or an investment vehicle, acknowledge and weigh the trade-offs rather than defaulting to trend or impulse.
• Intentionality is Everything: Time, money, and energy are finite—be purposeful in how you allocate all three.
• Financial Tools Are More Accessible Than Ever: From EVs to solo 401(k)s, but their true value depends on how (and why) you use them.

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Signature Sign-off:
“Best friends out.” (45:36)

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This summary captures the core discussions and actionable advice from Joel and Matt, offering listeners a quick yet thorough roadmap to this Friday’s flight through personal finance headlines.

Transcript

[A]

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[A]

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[B]

Welcome to how to Money. I'm Joel.

[A]

And I am Matt.

[B]

Today we're talking jump at the pump, lessening leverage and tapping too soon.

[A]

So we're laughing because we botched the intro a couple times there and then we just kept rolling and found a way to make it happen.

[B]

We're. We're pros here, Matt. You know, we. We're just here to have some fun.

[A]

That's what we're gonna do here on this Friday flight.

[B]

Especially considering we better be pros have been doing this for as long have but we even still we make Idiotic mistakes.

[A]

Yeah, I'll say. Your little catchy headlines are super vague.

[B]

That was kind of intentional. That was a little intentional.

[A]

So listeners gotta stick around and find out what we're talking about on all of. None of these are giving it away.

[B]

Jump at the pump. Felt a little panic at the disco.

[A]

Oh, I like that. Did you ever like those guys?

[B]

No, I never really listened to me neither.

[A]

A little too screamy. Not like, not like screamo rock, but like, I don't know, too high pitched.

[B]

Okay.

[A]

He had a really high voice.

[B]

Was it like, was it back in the emo era? Is that what they were?

[A]

It was like post emo.

[B]

Okay.

[A]

Yeah. Moving a little bit more to the mainstream, but yeah. This is our Friday flight. We're going to talk about the personal finance headlines, specifically how they are going to impact your wallet. While we're talking about your wallet. I think one of the prices that people pay the most attention to is the price of gasoline because they drive past it multiple times a day. Oh yeah, and we've gotten used to, you know, fairly low gas prices, especially over the past year. We've seen those prices dip, but the price of gas has soared this week. Our local gas station here, like a month ago, I want to say we were like the 250 range, but prices have quickly shot up to $3.30, even more because of US military operations in Iran. 20% of the world's oil passes through the Strait of Horm.

[B]

How do you say, Joel? Hormuz.

[A]

Hormuz, which has been cut off by the Iranians. The tankers essentially are like, no, don't want to go over there.

[B]

Sure.

[A]

And with the President saying that the attacks are set to persist potentially for weeks to come, the uncertainty of what retaliation could look like. I think folks should be prepared to expand their, their budgets in this area for months to come. When, when it comes to transportation costs, the cost of filling up your car. I think there have been talks perhaps of, let's say a ceasefire if that happens. Well, obviously that's gonna change the, I think the potential for price, you know, what you're paying at the prompt dramatically,

[B]

but it could be a very short lived spike. We'll see.

[A]

Yeah, I mean literally as of this recording, there haven't been any talks of negotiations or talks. But that literally could happen in like an hour or apparently.

[B]

I don't know. I saw someone reporting that there was a request for talks from the Iranian side. But like, when will that happen? Will that happen?

[A]

I don't know.

[B]

Yeah.

[A]

And I was gonna say too.

[B]

And by the way, like, there's a lot we could say just about the fact that our country is now at war. This is not a political podcast, so we won't and we'll let you.

[A]

I was trying to. Even using the term that we're at war, have you noticed that they've tried to avoid saying that we're at war because it's like, oh, no, this is a military. What they keep referring to it as a kinetic military operation.

[B]

Use the word then that's not.

[A]

Then it's not really happening, is it? No, this is, this is totally war. It may not be war in the traditional sense of what we're used to, but this is absolutely what's going on. And it's always terrible to see loss of life.

[B]

I want to say AAA does one of the best jobs of tracking gas prices and what they've shown is that over the last couple of days, prices on average across the nation have jumped something like 25 cents. But anecdotally here, the few gas stations I go by and Matt, I'm either sometimes I'm driving by them, usually I'm running by them, but I was, I was shocked. I was like 80. I've seen an 80 cent spike at the gas stations that I'm used to

[A]

going by price gouging gas station owners. What's going on?

[B]

Maybe, or maybe the data from AAA is just slow to catch up to reality. I don't know. But I'm curious to see if over the next couple of days maybe it does catch up and we've seen more like a 40, 50, 60 cent per gallon spike across the nation on average.

[A]

Even more.

[B]

Be curious to hear from how to money listeners, like, what's going on at your local gas stations? How. How is this impacting you? And people might be wondering too, Matt. Well, how can gas prices shoot up so much when our country is producing so much oil? You look at the amount that we produce in a given day and the amount that we consume and it's. It's pretty close to being on par. And it does help that we're not as reliant on Middle Eastern countries as we used to be. Like, let's say in the 90s, right? But oil is a global market. So that is why even though we produce quite a bit of oil in this country now, far more than we ever used to, even just like what happened under Trump administration, number one, Biden administration, and continues to happen under the Trump administration, is just like we drill the drill, baby, drill Thing is a reality in our country.

[A]

It is, yeah.

[B]

But even still, because of the nature of the global market, yes, we're more insulated from price spikes, but we're still not immune to them.

[A]

Yeah, yeah. When you're talking about just such a large. Because it's not again because of the amount of oil that goes through that region. It's not even just Iran specifically, but just how much is getting essentially choked off from the world. And so you're referring to the global market. Yeah. When there is a reduction in supply elsewhere in the world that impacts prices here locally.

[B]

That's right. Also are reacting to increased demand. That's happening because people are like gas prices are going up. Let me fill up before I actually need to. They're also reacting to the likelihood of higher prices. They're kind of looking with the crystal ball into the future and they're saying, well, the next supply that I have to purchase, it's going to cost more. So I'm just going to go ahead and preemptively raise the price for, for people who are coming to fill up. So fear of higher prices and an increase in consumer demand, those are just bringing about higher prices more quickly on the consumer. And so we feel it maybe more quick even though in some ways like it feels like prices shouldn't rise so quickly. Sure.

[A]

Okay, so here is a timely USA Today article. They put together a list of the most fuel efficient cars.

[B]

Joel, it's good timing. It was.

[A]

They're just like hit publish now. But Tesla of course was number one. EVs. They're just cheap to run even if they're not as cheap to purchase now because of the federal tax credits because they have gone away. But as far as brands that make mostly gas cars, Kia, Nissan and Subaru were up there. But here's the interesting thing. Consumers don't seem to care all that much, relatively speaking because the data tends to show that as gas prices decline, well, individuals react and then they go ahead and just purchase the large, these bigger, larger gas guzzling SUVs, these giant suburbans and Expeditions.

[B]

You ever think with a fourth or a fifth row, actually that's, that's what I'm into right now.

[A]

Hey, some people I know more and more folks, man, they got seven plus kids. They got like the transit.

[B]

You have that many kids, you need it, I guess. But you, there's a lot of people who are just like in the big, big ride the biggest suv and I'm really only putting two people in it.

[A]

But the opposite is true. As well, when gas prices go up, that's when folks tend to reach for the more fuel efficient vehicles. And so yeah, it's interesting though to even just look at Tesla. So, and again, it's not, it shouldn't be any surprise, but it gets 120 miles per gallon and that's like obviously the equivalent, right, Because Tesla's don't run on gasoline. But it just puts into perspective, this is a conversation I was having with Kate recently where there's part of me that sees our Honda and we drive around the city, right? Taking the kids to school, running errands, things like that. We're getting like 20 miles per gallon right on the highway we can get 25, 26, we're getting 20 around town. And then I see the Toyota Sienna and it gets 36 in the city because it's got the hybrid. So it's operating off of the battery for a lot of that. Oh my gosh, that's so much better. Oh, maybe I should drop $40,000 in order to achieve. And I like, I did the math and I would only be saving like $1000 to $1200 annually on gas prices.

[B]

So in 40 years by switching it

[A]

would pay for itself, which like that is too long of a timeline.

[B]

Bad math.

[A]

As so, like that should not be a reason for me to consider. It's just so, again, it's so attractive going back to the fact that you drive past these prices every day and you're constantly reminded of how much more you're having to pay because of how often you're having to fill up. That compared to something like a Tesla where it's like, wait a minute, if you're talking about truly 6x, it gets 6 times better gas mileage equivalent. Of course, I mean that does make a bit more sense and seems more of a potentially justifiable reason to get something like an old used Tesla versus plinking down the chain for a new Toyota just because truly, maybe I just want a new Toyota.

[B]

Well, in all really this comes down to, I think us thinking holistically about the total cost of ownership of whatever car we might buy. Sure. Like USA Today had another list about just the cheapest overall new car brands, right. And they were like, Mitsubishi is super inexpensive, right. They make some of the cheaper cars out there. And I was like, wait a second, Mitsubishi makes car still? They do, apparently. Nissan, Mazda, Kia, Subaru, they're up there as well.

[A]

The Mitsubishi Eclipse, back in the day in high school, that was the car.

[B]

Oh yeah, my friend had a day.

[A]

Woo.

[B]

Those don't even exist anymore.

[A]

So when you look at Daewoos and

[B]

Saturns, there's some, there's some overlap on these lists. Matt, you said Kia, Nissan, Subaru. I said the same three. So those are, those are in Mazda maybe, I don't know, Mazda is up there as far as being fuel efficient,

[A]

affordable brands, all of those.

[B]

So maybe look at the overlap there. It's always nice to pay less for a car, but truly when it comes down to it, what's the total cost of ownership? You know, it's nice to have a car that's fuel efficient. A lower upfront sales price is great. But what about reliability? What about lower insurance costs? Think about the Tesla there. It's like how much am I going to save on gas costs versus how much more might I pay on insurance? You're going to want to check with your insurance company or how much less

[A]

are you going to pay on insurance because of full self driving? Potentially insurers are starting to take that into account.

[B]

That's right. Like we talked about with Lemonade, dropping prices on your insurance for your Tesla. So. But I guess just even with gas prices going up, don't get hung up on just one factor. And it makes me think, Matt, that for at least some people, one car, if, let's say gas is a meaningful expense in your life, but you have the, your life maybe is. You're not driving huge long distances in one fell swoop. Man, those old Nissan Leafs are dirt cheap. Oh yeah. And think about how much money you can save. I kind of wish I still had mine around. It was, it's just this econo box that is no frills and, and yet

[A]

if you think about it like a golf cart, then it's a great golf cart.

[B]

Exactly, exactly. But you can get, you can get one of those Nissan Leafs that still has 75 miles of range like per charge for like four grand. And really, yes. They're so cheap because they're so unloved, nobody wants them.

[A]

Super, super affordable.

[B]

So just putting that out there for folks.

[A]

I mean if the range anxiety, if you can get past it. Yeah, that's, that might be the golden ticket right there.

[B]

That's right.

[A]

I like. Yeah. What you're pointing at here though is like again, going back to the total cost of ownership and I noticed that Toyota, for instance, wasn't on the list of the affordable brands. And that's because in part one, they've got some really nice Toyotas out there. So that was, they were addressing just

[B]

the brands As a whole, you've seen those new Land Cruisers.

[A]

We've talked about them. They're good looking, but they're not so nice. They're so nice looking, but in part, they've got quality parts, too. And so you're. And you're referencing just how long is this thing going to actually last? And when you look at all the research, when it comes to the number of, or the percentage of vehicle or the. The likelihood of a certain car being on the road past 200,000 miles, past 250,000 miles, Toyota takes like the top four spots or something like that. It's like Sequoia tundra, the Sienna. They're just built like tanks. And so you're paying more on the front end, but it depends on how you keep up with that thing and if you take care of it. Have we shared that our van rolled over 200,000 miles?

[B]

No.

[A]

Have we not?

[B]

I knew it was getting close.

[A]

We're getting close since. Yeah, we're well over 200,000. And we rechristened it. I did tell you this, didn't I? Yeah, yeah, we rechristened it. Vincent and the kids were like, why? And I said van Gogh because we want the van just to keep on trucking, man.

[B]

We love humor at its finest.

[A]

It was a great crossover between dad humor and, like, the classical education. The kids kind of gave me a

[B]

tip of the cap and a snarl. Roll of the eyes, yes. All right, let's. Let's talk about jobs. The good old days, Matt, of the job market were in some of the worst days for humanity. 2021, the job market was great.

[A]

Well, that was the silver lining.

[B]

Covid was rough. And so work from home, too, was available to most folks at that point in time. Obviously not everyone there. And people doing a lot of really arduous work in hospitals, grocery stores, a lot of people in service jobs that were not working from home. But we did see that was like a big dividing line where a lot of people who had previously been unable were then able to work from home. But that's not true anymore in the way that it was. There was a recent analysis of 600,000 jobs, and it just found that remote work is basically a dream that's slipping away. And if you're keen on working from home, you might be looking for work even longer these days in the job market. Right. As we know, people are looking for work. It's taking longer to find the job they want. But if you're like, I'm prioritizing a work from Home role, then you're going to be looking even longer than the average person says. There was a quote from the study that said remote roles are roughly four times harder to get than in office or hybrid positions. So if work from home is a priority for you, look to smaller and midsize companies, that's likely going to be your best bet. But especially the big guys. Matt, we have definitely seen this. The call back to the office and, and strict office hour rules, those are, those are more likely at some of the bigger corporations. And so the key question I think for job hunters right now is how much is work from home worth to me? Because it's increasingly coming with real trade offs, like waiting longer to find, to find the job that suits you. And I get that it's a high priority, but for some people, they might find that giving up on that ideal and being willing to grab a hybrid role might make more sense.

[A]

Yeah, yeah, I saw they're talking about trying to sell it as well in the sense of, hey, I just get the job done, I do the work, I'm not going to be there in the office causing a whole lot of like workplace drama, which there's a part of me that's like, oh yeah, I bet there are a whole lot of employers that want more that transactional sort of utility out of their employees. But then I got to thinking that, oh, that cuts both ways though. That's a double edged sword because in that same sense, like when it comes to whoever they need to cut, it's just like, oh, sorry, you got to go. It's just business.

[B]

Right.

[A]

Because like they're just looking for somebody to fill, fill this position and out

[B]

of sight, out of mind to a certain.

[A]

Yeah, exactly. So it's like, I don't know. Yeah. Your personality and the ability for you to be front and center goes a long way, I think. And it's harder to maintain your role.

[B]

It's harder to fire or let go the person you see every day. Yes, right. Like I have a relationship with them.

[A]

As long as you're not, I guess, super annoying or something like that. Yeah, maybe it's easy, but so job hoppers and the leverage that you would gain in going with a new company, it's not what it used to be. ADP data, they continue to show that job switchers are at least on average, unable to get much of a pay bump right now. Although recent Fed data is a bit contradictory. They're showing a slightly bigger bump in pay for job switchers. But the data as a whole is just a reflection of a reversion to the mean after the insanity over the pandemic labor market. And I will say the numbers also vary significantly by sector. And so if you're in very physical jobs, if you're in construction, if you're in mining, even finance, actually I was surprised to see, but the average pay bump is significantly higher. So just don't assume that you should stay put because of these data trends. The job market is not as worker friendly as it was. But I think there's still a whole lot of opportunity out there for folks who are looking for something maybe a little bit better, something where the grass might be a bit greener.

[B]

What I think when you read the headlines or see the trends, it's really easy to think, I guess now's not a good time for me to look for a job and just assume that the trends are just concrete reality for everyone. But that's not true. Right? And it's still okay, despite the trends, to seek a job that pays more. Like, I have a friend this week who just started a new job. He's getting paid a lot more. And he's not alone. There are other people out there who are doing the same. It's just kind of the average. It's the norm. It's not as easy. It doesn't mean it's not possible.

[A]

Yeah, it makes me think of the housing market, right. It's like, oh, this is a terrible time to buy. Nobody selling their home. It's like, okay, therefore I should never look.

[B]

Right.

[A]

But that being said, what about the, you know your old neighbor that's been there for 20 years and you know what, she's actually going to move in with her sister across town. Like there are always little small, oh so and so got a promotion, but he's got to move to the company headquarters out of state. And normally you wouldn't expect that house to go on the market, but it is now. There are always these unique one off, more individualized data points as opposed to kind of what's happening overall.

[B]

Yeah. Even if, even if the trend ain't your friend, there's still real possibility out there. I like it. Interestingly enough, Americans are working less than ever before. According to that same ADP report, Matt, the average weekly work time is down to 33 hours. So bunch of part timers out there trying to live like Matt and Joel or something like that. But Americans still broadly report not having enough time. And I'm curious, do you have any informed thoughts on why that might be the case? Why people are working less but they still feel like they don't have enough time.

[A]

I think it's just perpetual, you know. First of all, I will address the 33 hours. It's not too far off. Like it is the lowest it's been, but it's kind of been around 34 since like the 80s. Right. Like if you look back at data back like 100 years, the 1920s, like decreased dramatically. It was 50 hours was the typical. Because the six day work week was super stinking normal. And it wasn't until Henry Ford before he was just like, oh yeah, increased production, it just declines. I forget what the term is, whatever. But beyond a certain point, there's no point in folks working. So that's when the five day work week and then laws were passed.

[B]

All that. And 12 year olds work a whole lot less than they did 200 years ago.

[A]

Exactly. But that being said, I mean, aside from that, like in our modern era, I think the notion of feeling like you don't have enough time is just a part of being human. I think there's a certain aspect of there's just all, especially as we have access to and see more things that things that are out there in the world and there's just more that you want to be able to do. And you start wondering like, well, how the heck am I going to be able to do all these? It makes me think of, we always talk about the tail end. Wait, but why? That's the Tim Urban side. And you start realizing, you know, he looks at, oh my gosh, I only have. There's only like, there's a very limited, finite number of visits I'll have with my parents again before he's like, I've

[B]

got 11 Boston Red Sox games.

[A]

Yes, exactly. There's only so many. I forget what's the food example that he gave?

[B]

I don't remember.

[A]

But like there's so many different things like that and you can truly kind of quantify it just starts putting into perspective some of the things that you want to accomplish with your time. So I think when you are faced with the reality of, yes, we work less than we ever have worked before, but also I don't feel like I have a whole lot of time. There's just a, I don't know, there's a dissonance there. And I think it's worth addressing and asking yourself, why do I feel like I have less time? Than ever?

[B]

So why?

[A]

I think a part of it is just we live complex lives. I think life is much more complicated than it used to be. As far as just, I don't know, there seem to be a thousand different little outlets and things that are drawing our attention in our time.

[B]

And some of it's good, but some of it's not good. And maybe in some ways we're doing it to ourselves as well, don't you think? I mean, I think. Totally agree. One, I think there's more pressure that people feel at work even inside of those work hours to produce. And maybe AI is kicking that up notch from some of the reports we've seen recently as well, where people are just expected to do more because hey, now you got this tool of AI, so your output should be more significant than it has been. I think that's pressure that people feel. And then I think in some ways it's self induced. Well, maybe not self induced, but two working parents, which feels like a necessity. Now if you've got kids, that feels like more of a hardship. And then in other ways I just think about the rise of, of screen time and what that seems to do to our brains. And I think it's really easy when we think that that's going to give us maybe some respite from a hard day or something like that. And it doesn't calm us down or relax us in the way we'd hoped. Whereas like a walk with our spouse or a friend would maybe actually provide some of that relief and make it feel like we had more time. So a little bit of touching grass getting out in nature could be at least a little helpful to those kind of feelings. Like there's no time. And you might be like, there's no time for me to get out in nature. Joel, what are you talking about? But like, I think we find time for all these other things that maybe are just less restorative than taking a walk around the neighborhood would be.

[A]

Yeah, yeah. And that's what I think for some folks it's just realizing and trying to figure out where their time is going. Because I think a lot of times folks are like, well, I don't know, I just don't have the time. And something as simple like you do financial audits where you are reviewing your expenses, figuring out where the money is going. And at the end of the year, a lot of times folks do that with their budgets and I think doing something similar. I've done this myself. I did this. This is like an experiment I did six years ago or something like that, where I literally was trying to track every 15 minute block essentially of my day and I just stuck it on the calendar and I still haven't, I haven't looked at it in forever. But I just wanted to prove to myself that I was actually able to do some of the things that I said I wasn't able to do if I was just willing to actually prioritize those things.

[B]

That's what actually I was thinking of as you. Oh yeah. Talking about this, I was like, I remember when you tracked your time and like, how beneficial that can be. Eye opening, right? Oh, wait, am I spending my time and I say I don't have the time to do the things I want,

[A]

but remove the excuses because I was giving myself excuses of like, well, how I can't do this. Like, what am I supposed to do this? And therefore I wouldn't try because I just felt like I didn't have the time. But then once I was able to identify, oh no, no, no. There is actual time here for me to do this, to do that, for me to work out, for me to grab a beer with a friend, to grab coffee, to be able to volunteer in this way. Like, oh, there are slots for all of those things. I just need to be. I have to stick those on the calendar and I have to prioritize those. I have to get those big rocks in first before the little pebbles and before the sand soaks up all the remaining space.

[B]

And there's always time for beer with a friend. Yeah, no excuses for that. We've got more we're going to get to on this episode, including we'll talk about the new Apple laptop and Inexpensive man. Really inexpensive. And also just some bad news in terms of how people are treating their 401ks. We'll get to that and more right after this. Man, we've hired some great folks to work behind the scenes with us at how2money over the years. If you're a small business, you know this. The right hire can make or break things for you. Hoping the right people see your job. Posting is not the best growth strategy. So when the pressure's on and you need the right hire, this is a job for Sponsored Jobs.

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Get [e-mail] future expenses charged by your investments and other costs and fees associated with trading or transacting in your account. Apply Fidelity Brokerage Services Member NYSE SIPC all right, Matt, we're back. It's time for the ludicrous headline of the week. Of course, I always got to hit that. This one comes from the Wall Street Journal and it said record numbers of workers are rating their 401k savings. Yes, Americans are grabbing 401k dollars early in record numbers. This is according to the good people of Vanguard, our favorite low cost brokerage. They saw 6% fidelity.

[A]

Fidelity's right.

[B]

Schwab's great Vanguard, you like Robinhood. And yeah, there's some great other places. But Vanguard is like the OG so, yeah, special love. But they saw that 6% of 401 holders took a hardship withdrawal last year. And Americans have seen their portfolio, the headline 401k number right, go up. So actually, I just saw another headline. I think the average 401k balance went up 11% in 2025. So let's say you had a couple hundred grand. Well, you look back after the end of one year and you're like, man, I got like, I got 220. Something like, this is awesome. And so it's just easier to tap your 401k when it's up. You're like, I got more money than I thought. It's. It's the wealth effect. Right. I think takes place in your brain.

[A]

Yeah, well, and that's also on top of just the additional growth that we've seen since 2020, which I think is 133%, which is really significant, man. Like, that is. And that's in the S and P. So.

[B]

So it's hard.

[A]

It's hard to ignore that.

[B]

So rising balances, people feeling wealthier. And then also simultaneously, we've made it easier for people to tap their 401ks than ever before, which is not something we love. But I think what people are rationalizing in their heads, Matt, they're saying, like, so I don't want to grab a little bit to use now. What's the harm? I think that's kind of the thought process. Well, there are a whole lot of reasons not to. Right. First, you pay income tax and a 10% penalty when you take money out of your 401k unless you meet those stringent guidelines. I think the hardship withdrawal that was introduced, $1,000 is what you're able to take every few years out of your 401k without paying a penalty. But that's not much money. Right. And so you're also interrupting another huge important point in favor of not rating your 401k early is the effect that compounding is going to have on your ability to build wealth. And we would just say it's probably better to not invest those dollars in the first place and to pad your emergency fund before you start sticking more money in your 401k. Because if you're like living on the edge and you feel like you might have to grab money from that, just don't put it in in the first place.

[A]

Yeah, that's. I think this is an instance where that forced savings is working because it's forcing people to save. But guess what? There's no forced savings when it comes to your E fund. And all of a sudden you find yourself retirement rich, but cash strapped. And maybe you've got a cash flow issue. It's not just the 401s, though. Americans are using their HELOC dollars in bigger numbers as well. So similar to, to your 401k balance, the average homeowner has a lot of home equity and the headline number is something like $35 trillion. I think we've seen even more equity growth when it comes to the average homeowner than even the market. So the S and P, it's something like 133%. It's something like 142%.

[B]

No way.

[A]

In equity growth on the average home since 2020, which is insane. That's staggering.

[B]

Totally an aberration, historically. Yes. You know, so don't get used to your home price going up at that record clip ad nauseam.

[A]

And so with that, we're seeing an increase in folks taking out HELOCs every quarter since the end of 2022. And it's. This is a great. Another example of forced savings.

[B]

Right.

[A]

It's, it's great to be able to build wealth in your home and it might make sense to take out a HELOC to improve your home because in that, in that way it's also tax deductible and it can also, you can also, if you want to use that to consolidate some debt as well. I think that could make a whole lot of sense. But especially with interest rates closer to 7, 8%. Certainly proceed with caution. It seems like much more. There's more of an argument, I think, to use the HELOC if you are in a tough cash flow situation than tapping your retirement in part because of the 10% haircut that you're taking off of your 401k. That's. That part of it feels a bit more egregious, in my opinion.

[B]

Yeah, yeah. And really, when you're talking about it, these are the two biggest piles of wealth that people typically have access to. And so it feels like the easiest place to go for money. And typically it is the easiest place to go, especially if you need a fairly large sum. But rating them is rarely a good idea in terms of the heloc. You should be really thoughtful on the front end about how long it's going to take you to pay it back because you don't want to have that hanging over your head for 8, 10 years. Back to 401ks for a second, Matt. I had someone really smart Recently. Tell me. He basically said something like about how small businesses, they don't really do the 401k thing. And I politely disagreed. And I was like, no, no, it's easier and cheaper than ever for small businesses to get a 401k off the ground. This is like this is happening. I didn't have any data to share at the time, but then I saw this new study from Gusto. They found that more than 6 million small business employees have gained access to 401ks since 2019. That's 6 million Americans. What percentage of Americans is that? It's over 1% of the population probably.

[A]

Or at least one, let's say 2%

[B]

of the American population. That's not. Nothing now has access to a 401 where they did not. That's a massive jump right in people who have access to a workplace retirement account. And it's great news for those individual but. But also for those businesses because it allows them to attract and to retain great workers. A decent 401k feels like it's table stakes these days if you're. If you're trying to hire someone that you want to keep around for a long time. Having a solid 401k with a decent match is like, it's kind of like a bare bones perk, right? You don't have to go all Google or fancy tech company and have the chef making sushi and stuff at lunch, but you gotta have a 401k. And guideline and betterment are two of the best places to turn if you own a small business and you want to offer one because they're pretty low cost, easy to get set up if you don't have many employees. And if you, by the way, work for a small business that doesn't have a 401k man, kindly let them know how easy it is to get it off the ground and be like, this is a perk. I see more and more small businesses offering. I want to stay here for a long time to come. What do you think? Is this a possibility?

[A]

Yeah, I do. I. So I don't know who your really smart friend is, but it is much easier to get a solo 401k.

[B]

I question his intelligence now.

[A]

Yeah, it's a lot easier to get a solo 401k. There are more hoops you have to jump through with a small business. But like you said, you've got these companies that exist to help get those plans off the ground. But what you've got a note here about something about a cashmere Sweater. What's. What's this all about?

[B]

Dude? This. I thought this was crazy. High end. Everything I feel like is there are markets now that didn't exist 10 or 12, 15 years ago. High end products for whatever your interest is.

[A]

Yeah, yeah, yeah. Fashion stuff.

[B]

Fashion stuff. Like just whatever your hobby is now you can ramp it up to. Instead of like a nice little $20 pickleball paddle. I know people are like, I want the $300 one. I don't know what the difference is.

[A]

People are competitive.

[B]

Yes.

[A]

There's like national or even international rankings on pickleball.

[B]

Yeah. Really? Okay. Yeah, I mean it's. It makes sense. It's a growing sport.

[A]

Could it be there's somebody. We. We spoke with last year and he talked about how much money that was his splurge. He spent a lot of money on pickleball. Pickleball stuff. And I think he's got like the really nice paddle. He's nationally ranked.

[B]

He's really.

[A]

He was really into it.

[B]

The guy who wrote the book with Dr. Brad Klontz. Remember Adrian? And he. And he had like a pickleball court, like insulting at his house. Yeah.

[A]

Different level.

[B]

Yes.

[A]

Right there.

[B]

Which I still have yet to really partake. I want to. Okay. But there was. I just saw an article about like high end running gear and it just like not just fancy shirt, like a $40 shirt or shorts or something like that, but the people running in like cashmere, like cashmere running sweaters are apparently a thing now. I looked up to see what the price was. $255. Matt. For this cashmere running sweater.

[A]

That's pretty expensive.

[B]

Just makes me think of that. That Seinfeld episode. It's cashmere. Georgie Porgy. But I don't know, man. I think the. Am I glad they exist. I guess in some ways I'm glad some of these high end stores and that there are.

[A]

It's free market, man. You don't have to buy it.

[B]

There's a free market. And I'm. You know what, I'm just here to say that I refuse to buy the cashmere running sweater.

[A]

Well, I mean, let's be honest. How much? 250. Like that's like list price. You would never buy it at that. But if it went on significant sale. Considering like how much do you spend on a pair of shoes? Like.

[B]

Oh, about which. 60 bucks, 70 bucks?

[A]

Like a lot of people are spending $100 easy, right?

[B]

Oh, for sure. I mean especially with the. That's another thing. Right. The high end running shoes.

[A]

Well, you double that if you get something with, like, the carbon plate in it. And how long are your shoes gonna last? You like a pair of shoes that you buy?

[B]

Yeah.

[A]

Because I would. I would argue that. I would dare to venture that you would say, well, shoes are necessary, man. Like, that's what you need to get out there.

[B]

I would say that.

[A]

But cashmere sweaters or not, but how long is that pair of shoes, Are the shoes gonna last? You probably, like, three, four months, depending on the mileage that you're throwing down. Right. Like, how often do you change out your shoes? Like, probably.

[B]

Probably every shooting for 500 miles. I kind of play it. I probably should, but.

[A]

Yeah, yeah. You base it more on the tread. How much tread is. Yeah, that's kind of what I do.

[B]

Yeah.

[A]

But you think about that and it's just like, okay, I might cycle through three or four pairs of shoes in a given year, whereas something like this. Like, something like this, you take care of it. You could potentially wear this for the

[B]

rest of your life.

[A]

And so you also have the argument in that direction because, like, I think about certain things that I bought as a broke college student. Like, I've got Patagonia Kapling shirts that I bought over 20 years ago that I still wear. Like that I'll literally wear running. Kids will see me as a young buck and they're like, wait, you still have that shirt? Sometimes I. I'm like, literally wearing it as they're looking at pictures on the computer or something like that. And I'm just. There's an argument to be made for high quality stuff like that. Yes. You say cashmere and it seems super exotic. Comes from the cashmere goat off in Mongolia. It's maybe harder to justify that you need that for running. But, you know, I'm not going to hate if there are folks out there and you want to spend money on the nicest wool that is available to you because it's so soft against your skin. It's like much warmer than your traditional. Smart.

[B]

Well, shoot.

[A]

What's. How much is like a smart wool base layer?

[B]

It's not cheap.

[A]

It's not cheap. Like, you're probably talking.

[B]

I've got some smartwools and they're worth the money. Yes.

[A]

And so it's wonderful.

[B]

So.

[A]

And that's merino. And so this is the next level.

[B]

Maybe I'm a hypocrite.

[A]

I'm just saying. Maybe that's what this means. I'm sure there's a part of it that ruffled your feathers.

[B]

Maybe the part, it feels designer, I guess. And designer, I feel like, is you

[A]

just like getting out there and roughing it.

[B]

Yeah. Like smart wool feels like a basic necessity for some endeavors. And a cashmere running sweater feels. Feels like a designer purchase. That's, that's not necessarily.

[A]

Joel's gonna be wearing cashmere by the end of the year, folks.

[B]

Mark say anything, so please. No. All right, shall we keep. Let's, let's keep talking about.

[A]

Let's keep rolling.

[B]

Buying stuff. Printers are typically really cheap to buy, but CNET Harden had an article about how expensive it is to buy the ink for your printer, which is of course, incredibly true. Right. The. The printer itself is often reasonably priced, but then when you place the cartridges, you just want to punch yourself in the face. And the printer companies are essentially taking the, the razor approach. Get people in the door so they'll spend ridiculous sums on the replacement blades. The printer. Printer manufacturers are doing that exact same thing. They're even selling the printer itself at a loss so much of the time.

[A]

Yeah.

[B]

So they can get you in the door. You're like 40 bucks for a printer. All right.

[A]

Yeah. It's a subsidized printer that is being subsidized by folks who are heavy printers.

[B]

Yes.

[A]

Heavy, heavy, heavy printer users. So the best case scenario, you are somebody who needs a printer at home, but you barely use it.

[B]

And then because of the proprietary nature of the print cartridges, it can be hard to find a third party seller like that. Maybe that actually works or the printer cartridge actually does a good job for you. So you're like, I gotta get the name brand, I guess, on this thing, which is, which is tough. And it feels crappy to throw away a printer because the ink is so expensive. So we just kind of succumb to the perpetual cycle. And the recipe for success according to cnet is to use a few different things. They suggested use high yield cartridges or buy a printer with refillable ink, which is my favorite suggestion. There's like a couple different brands. There's the Epson Ecotank and there's the Brother Inkvestment. And then just like print less in color. And consider laser printers. That's what we have here at the office, which are great too. But yeah, it, it just might even be cheaper, by the way, in the long run to get a new printer as opposed to just buying overly expensive ink on the reg.

[A]

Yeah. And just to plan for it. Like, you know what this makes me think of is credit score like this, credit scoring system like this. It's just how it is. It's how they have created this sort of this market and there aren't real great alternative solutions to it. As opposed to. It's funny because you mentioned the, like the razor model, like the Gillette.

[B]

Right.

[A]

They get you with a free handle. You turn 16 or you turn 18. I literally, literally remember getting this in the mail. Yeah, the razor in the mail. And all of a sudden they've got a customer for life. Or so they thought. Because guess what I'm not using now is a Gillette.

[B]

You still use safety razor.

[A]

I'm not even using a Harry's razor. Didn't we talk about, about my foray into safety razors? Okay, so yes, I've been. Dude, that is the solution. And I've got the safety razor, the aluminum handle, so well designed. I freaking love it. And the blades. Well, first of all, I'm still using like the starter kit that came with a razor. So I've only changed the blades like three times since last summer. But you can get like a ten pack for seven bucks. So it's less than a dollar a blade. And I don't shave a ton. I'm not, you know, not working in some sort of corporate setting, but I shave a decent amount. But literally I've only changed the blades three times since last summer. I think that is a great solution for folks and I don't know, worth maybe the opposite of the printer model, right. Where you're paying a little bit more up front for a nice high quality handle and then you're paying absolutely nothing for these blades and getting a wonderful shave.

[B]

Yeah. So. All right, last but not least, let's talk about the Apple new Apple products that they launched.

[A]

I love it.

[B]

What do you think?

[A]

They're affordable. That's what's so great. So the Apple Neo, it's like the

[B]

first time Apple and affordability can be put in the same sentence. I feel like.

[A]

Yeah, yeah. So obviously I like it. You know, we can talk about from a financial angle, but I think what I like most about it is the fact that they, there seems to be a focus on creation as opposed to consumption. And I'm sure there's.

[B]

Right.

[A]

And so like typically on a, on a desktop computer or a laptop with a full keyboard like that is the kind of device that you create on as opposed to an iPhone or an iPad, which are. There are a lot. I mean I know there's going to be folks who are going to push back and say, guys, I make my living using my phone and that's great. The vast majority of people who are working are much more productive on a laptop, on a desktop. Students who are learning and creating their own laptops. And I just like what, it's almost like Apple drew a line in the sand and they're like, you know what, we're going to start focusing more on creating a productive culture here as opposed to a culture that's just hooked up on their devices, mindlessly consuming. Maybe I'm reading into it much more, but I just like that sort of pivot that there is now an affordable option that is also powered by. So it's powered by like the iPhone chip, which is one of the potential criticisms. Or like, is it going to be strong enough to be able to operate this laptop? But I mean, that's essentially what the Chromebooks are, right? Like they're being powered by these high powered.

[B]

This is, this is like set up to attack is to totally get Chromebooks, Dell and say take them down. And this is where Apple has not done well over the years is they've done really nice, solid products that are fairly expensive and that last for a long time. And so maybe they're, they're high value products, but this could be a high value product at a much lower price point. That really eats into the market share of a lot of other competitors. And I think, like, I was just looking at the specs and some of the reviews of this, this laptop that they just announced, the Neo 600 DOL is the starting point. And then you get $700, you get like some real meaningful additional perks. I was telling you too, if you get it on the, via the education store, if you're a student, it starts at $500.

[A]

500 bucks, man, that's an incredible price point.

[B]

That's really cool for a really good laptop. And Even the new 17e iPhone, they made some serious updates to make that I think a lot more appealing as an entry level $600 phone as well. So I wasn't really expecting this from Apple to get the price point down so low on something that seems still like a really, really good offering. I could see this laptop becoming their best selling laptop in a couple of years. Sure.

[A]

Yeah. And I do absolutely like the direction that they're going with this, so.

[B]

All right, well done, Tim Apple.

[A]

Old Tim Apple. All right, that's going to be it for this Friday flight. We hope everyone has a fantastic weekend. We'll see you back here on Monday.

[B]

So until next time, best friends out.

[A]

Best friends out.

[C]

This is Chelsea Handler from Dear Chelsea after the Big Game like most people, I kept thinking about the commercials, and there was one that stayed with me. It was from the Blue Square Alliance Against Hate, and it wasn't loud or flashy. It showed a Jewish kid being targeted at school and another student who chose not to ignore it. As someone who was Jewish, that moment felt very real to me. Not dramatic, just familiar. And what struck me was how clearly it showed that hate doesn't always announce itself, but the impact is still huge. If you saw the Blue Square spot during the Big Game, it's worth thinking about. And if you want to show support, sharing the Blue Square is one small way to do that.

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A few minutes saved by going faster is never worth the risk.

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This is an iHeart podcast. Guaranteed Human.