Friday Flight - Soft Switching, Tariff Turnaround, & Ozempic Face #1065

Summary

Podcast Summary: How to Money – Friday Flight: Soft Switching, Tariff Turnaround & Ozempic Face (#1065)

Podcast: How to Money
Hosts: Joel & Matt
Episode Title: Friday Flight – Soft Switching, Tariff Turnaround & Ozempic Face
Date: November 21, 2025

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Overview

In this lighthearted but deeply practical Friday Flight episode, Joel and Matt dive into recent headline-driven money topics, offering personal anecdotes, financial analysis, and actionable advice. This week, the duo covers the evolving landscape of credit cards and banking, how tariffs are impacting your grocery bill, ways to fight back on high meat prices, the proliferation of weight loss drugs, and some eyebrow-raising new consumer products. In true “How to Money” fashion, the episode is rich with useful money-saving strategies, skepticism toward financial fads, and plenty of laughs.

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Key Discussion Points & Insights

1. Turkey Talk and Tire Deals

[02:40–06:12]

• Joel and Matt start with Thanksgiving chatter, joking about turkey’s reputation (“It's a dry meat, man.” – Matt, 03:08) but highlighting turkey as an affordable, overlooked protein.
• Buying Tires on Black Friday:
  • Joel shares his recent search for tire deals, concluding Sam’s Club beat out Costco, especially because of their roadside assistance offer.
  • Notable Deal: 4 new tires installed for $725, including 4 years of roadside assistance and road hazard protection.

2. The Credit Card Rewards Arms Race

[06:26–11:24]

• Discussion on how high-end credit cards are upping annual fees and complicating rewards to the point where “maximizing perks is basically becoming a part-time job.”
• Matt suggests, “It’s okay to downgrade...or even cancel an expensive card if it’s not working for you” [07:59].
• Joel bemoans new credit card trends, like the US Bank card that merges buy-now-pay-later with credit cards, calling it a red flag for responsible users [09:24].
• Robinhood Gold Card: Matt applied for the freshly launched card offering 3% cashback. The only “fee” is the $5/month Robinhood Gold membership, which may be worth it for some [10:39–11:24].

3. Soft Switching Banks – A New Trend

[14:18–15:24]

• Joel explains “soft switching”—opening new bank accounts to get better rates or service but not moving everything over at once. It’s an “easy, low-pressure way to shift toward better banks...instead of going all-in and having to completely overhaul your direct deposits and bill pays immediately.”
• Matt adds, “It gives you a longer amount of time to get used to...the new platform” [15:24].

4. Tariff Turnarounds and Grocery Price Hikes

[15:24–18:32]

• Discussion of how tariffs, even when intended to support US manufacturers, are finally being felt by ordinary Americans at the grocery store.
• Joel shares an anecdote from a friend in manufacturing who says, “We've been eating the tariffs...we’ve had to reduce staff. Pretty soon those prices are going to have to go up.” [16:07]
• President announced new rollback on food tariffs, implicitly acknowledging tariffs contributed to price spikes on staples like coffee, bananas, and steak.
• Matt: “Tariffs act as a tax...which just make things more expensive” [18:32].

5. Fighting Back Against High Meat Prices

[18:32–21:50]

• Many consumers are shifting from beef to chicken as beef prices soar (chicken up 28% YOY, beef sales down).
• Matt boasts about scoring a whole ribeye at Costco—by exploiting $75-off-per-package deals, the cost came down to $15/lb for prime ribeye.
  • “It’s been 4-5 years since I bought prime ribeye at $15/lb.” [19:54]
• They celebrate buying meat bulk and processing at home to save long-term—and even accept venison from listeners!

6. Ludicrous Headline of the Week: Absurd Consumer Products

[28:24–33:41]

• Apple's $229.95 “iPhone Pocket Sock”:
  • “I can't imagine anyone out there is going to desire a glorified sock...for $230.” (Matt, 29:12)
  • Joel questions Apple’s brand halo, hoping the “product fails miserably.” [30:00]
• $300 Water Bottle & $520 White T-shirt:
  • Both scoffed at as highly engineered, overpriced fads (“It’s called a technical feat of engineering beyond reason—for a water bottle!” – Joel, 31:21)
  • Emphasis that some status goods offer little value over classic/cheap alternatives (“I'm using my free Nalgene...” – Joel, 33:13)

7. The Cost and Controversy of Weight Loss Drugs

[33:41–37:33]

• President Trump’s new “Trump RX” partnership will offer GLP-1 weight loss drugs like Wegovy and Zepbound direct-to-consumer for $150/month—down from $600+.
• “Prices are dropping dramatically on these GLP-1s” [34:35].
• Side effects and social impacts discussed—e.g. the fast, recognizable “Ozempic face” (35:17).
• Thinness and workplace discrimination: “Research does show...thinner people tend to get paid more and attain higher status jobs.” (Joel, 36:04)
• Matt: “I think it could be [table stakes]...but what are the long-term impacts of these drugs?” [36:53]

8. EV Market Turmoil and Toyota’s Hybrid “Win”

[37:43–39:12]

• A look at how car manufacturers like Toyota (sticking with hybrids) outmaneuvered those who rushed all-in on EVs.
• Ford Lightning’s quick price spike ($40k→$60k+) and weak sales show how “brands have not found a way to reliably produce vehicles that turn a profit” [38:00].

9. Credit Scores & Your Car Insurance

[39:12–40:01]

• NPR investigation: Poor credit can mean thousands more per year in auto insurance premiums. Only 3 states prohibit this.
• Joel: “You need to know your credit score and you need to make sure it’s solid...740+ is really the goal.” [40:15]

10. The Ongoing Subscription-ification of Cars (& Demise of CarPlay)

[42:10–43:41]

• GM announces it will drop Apple CarPlay and Android Auto in future models, pushing its own software.
• Matt: “Apple and Android make it free. Consumers like it...Proprietary GM software is not going to be better than this.”
• The move is seen as a data grab and attempt to get subscription revenue from navigation and in-car Wi-Fi. [43:29]

11. End of the Penny

[43:44–44:22]

• The US has minted its last penny; hosts are “glad we’re not wastefully creating pennies anymore.”
• Matt recommends saving a sleeve of pennies as a bit of Americana.

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Notable Quotes & Memorable Moments

• “Soft switching...people are opening up another bank account to get better service or higher interest rates, but they’re just not moving all their deposits or direct payments over...because it’d be too much of a hassle.” – Joel [14:18]
• “Are you just trying to get my money without giving me anything of value in return? I think so. I hope this product [the iPhone sock] fails miserably.” – Joel [30:00]
• “$300 for a water bottle? If a sock is $230, I guess that sounds reasonable...” – Matt [31:21]
• “Thinner people tend to get paid more and attain higher status jobs. In a world where everyone's doing it, could weight loss drugs make sense even if you’re not diabetic?” – Joel [36:04, 36:53]
• “GM software is not going to be better than this [CarPlay]. So this might be GM shooting itself in the foot.” – Joel [42:51]
• “The best thing to do with a penny these days: put it on a railroad track and let it get smashed.” – Joel [44:18]

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Timestamps by Segment

• 02:40 Turkey Talk, Thanksgiving Meals, Tire Shopping Tips
• 06:26 Credit Card Rewards Becoming Complicated & Costly
• 09:24 Trends: Buy-Now-Pay-Later Credit Cards, Robinhood Card
• 14:18 Soft Switching Banks: How & Why
• 15:24 Tariff Backlash at Grocery Stores; Price Relief
• 18:32 Meat Prices: Bulk Buying, Chicken vs. Beef, Costco Ribeye Hacks
• 28:24 Ludicrous Headlines: iPhone Sock, $300 Water Bottle, Premium White Tee
• 33:41 Weight Loss Drugs: Price Drops & Social Implications
• 37:43 The Fizzling EV Boom; Toyota’s Hybrid Advantage
• 39:12 Credit Score Impact on Auto Insurance
• 42:10 Car Subscription Features, GM Ditches CarPlay
• 43:44 Last US Pennies Minted

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Episode Tone & Style

The show’s trademark is its friend-next-door relatability mixed with sharp scrutiny of financial trends and gimmicks. Joel and Matt’s banter is playful and grounded, with sincere attempts to help listeners sidestep common money traps while celebrating small wins and community connections.

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Conclusion

This episode delivers a rapid-fire, engaging look at how everyday financial choices are shaped by industry trends, government policy, and plain common sense. Whether you’re trying to outsmart credit card companies, beat high grocery prices, or simply laugh at the absurdity of a $230 phone sock, Joel and Matt provide the context, analysis, and humor to help you thrive financially.

Transcript

[A]

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[B]

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[B]

I'm Joel.

[A]

I'm Matt.

[B]

Today we're talking soft switching, tariff turnaround and discounted drugs.

[A]

Happy Friday everyone. We hope everyone has had a wonderful week and we are glad that you're here to join this listening experience that we're about to deliver to you.

[B]

The Friday flight. That's right. I've already had one Thanksgiving meal at my kids school, Matt, earlier this week.

[A]

So you're warming up for I'm ready For, like, Thanksgiving, huh?

[B]

It's like a week and a half of Thanksgiving festivities over here. Because then we have to eat with my family. But that's like, how do you feel about the travel to have dinner with other family?

[A]

You think the Thanksgiving turkey is a little overrated, just generally speaking, as a meal?

[B]

No, I think we should eat more turkey. I'm actually. I think it's sad that we don't get that we eat so little of it.

[A]

It's a dry. Typically. It's like a dry meat, man.

[B]

It's not cooking it right.

[A]

Well, most people do overcook.

[B]

You gotta inject that puppy. I'm smoking one, actually for this weekend. So I'm excited about that. And think about how inexpensive Turkey is, Matthew. 99 cents a pound for fresh, never frozen turkey.

[A]

It's a fairly affordable protein, that's for sure. Much more affordable than some of the meat that we're gonna get to later on this episode.

[B]

True story.

[A]

I saw you the other day, actually. We're both driving on the interstate, and I passed your tail. Y' all were driving. You were over there juicing your miles per gallon.

[B]

That's right. Hypermiling here.

[A]

You were on eco mode, I'm sure, over there in the van. But I noticed you had some fresh tires on that thing, man. Looking. Looking nice.

[B]

I did. So I just got a set of new tires on the minivan and I did some extensive shopping. And actually, now is a great time of year. Talking about, like, Black Friday sales and stuff like that. They even have sales on tires. It's not one of those things that you normally think about, but I was like, all right, I know I need some. Maybe let me see if I can hold off and find a good deal. And I'm a member, not just at Costco, but at Sam's Club. We don't talk about Sam's Club very often on the show.

[A]

I always forget about Sam's Club because it's not. Y' all live a bit closer to it than we do. It's not on our regular trek. It's not on our regular route that we travel, so. Because that is out of sight, out of mind.

[B]

Yeah. So it's literally right on the way home from Emily's office. So she'll stop there on the way home to grab stuff sometimes.

[A]

Nice.

[B]

And the. I was like kind of going back and forth between Sam's and Costco, and I looked at a couple other places, too, but Sam's had the best offer, man. And what was the price? Do you remember So I think out the door was like 725 for four new tires installed. That's a great price, the whole thing. And one of the things that actually pushed me over the edge towards Sam's was like, they were great tires at a good price, but also they offer four years of roadside assistance when you buy tires there. So there's like, how highly rated is.

[A]

The Sam's Club roadside?

[B]

That's a good question. We'll see if I get what I'm paying for or if this is actually something helpful if I get stranded on the side of the road. But five years of road hazard protection, you still get like the free flat repair, rotation and balance which they offer at Costco. And I think they offer a discount tire too. So that's not necessarily out of the ordinary.

[A]

Yeah. But the roadside assistance. So that'll be the big. The payout, I guess, because that sounds like it would have been. Was that enough? Is that what kind of swayed you over when you saw that and thought, oh wow, this is actually.

[B]

I was like, the price is some.

[A]

Added benefit already a little bit lower.

[B]

For some really good tires. And then I was like, if it's got this other perc too, then maybe it makes sense to like, we'll test the waters and see if we ever actually have to use it. I'm curious to see if it works well or not, but yeah, let's see. Yeah, so get those Black Friday tire deals. If yours are balding like mine were.

[A]

I feel like the typical sale or discount at discount tires. I think last time when I got the tires changed out is around $200 a tire. So if you can get out there for like a little under eight, that's a good deal. You got yours down to the lower sevens. Even better deal, man.

[B]

And it felt kind of providential, like I had a screw in the tire the day I was going to get it changed.

[A]

Oh, that's right. Yeah. That's why you borrowed my. The pump.

[B]

That's right. I had to pump it up just so I could get over there to get them changed. But I was like, now I don't have to get this flat repairs.

[A]

Just get it all taken care of all together. Let's spend some time talking about credit cards, Joel, because it seems like taking full advantage and maximizing the different credit card rewards out there, it's basically becoming like a part time job. Not only are the annual fees increasing, but so are the hurdles for snagging those perks.

[B]

Oh, the fancy cards. We're talking like 7, 8, $900 a year.

[A]

If you are the type of person that's going to visit the lounges and take advantage of all that, they have to offer more power to you. But the potential dollar value of those perks offered with the annual fee, of course it has grown significantly. But accessing those perks has certainly come with roadblocks. The rewards are functioning more like old school coupon books. To the chagrin of many users who are just used to. At least for me, I like things to be simple and the ability to get some cash back straight up.

[B]

It's like, oh, you can get this reward in this quarter, but then you got to spend more money next quarter quarter to get more of that reward.

[A]

Never was a fan of that. The rotating categories, yeah, but then there's like quarterly credits, there's monthly rebates. They are all a part of the credit card company approach hoping that the deals are going to actually sound better than they function, than they actually impact your, your bottom line. And the data shows that fewer high end reward card users are actually getting the benefits beyond the what they're paying in the annual fee. And so they're not actually, you're not, you're not coming out ahead. The credit card companies are. And in an attempt to maximize the rewards, some users are opting for SP spreadsheets, which makes a ton of sense because if you are going to play the game, you better play it right while others like me are just throwing in the towel. So I think it's okay to downgrade. I think it's good to even cancel an expensive card if it's not working for you. And going with something a bit more basic.

[B]

Yeah. Which is interesting. Like usually we're kind of against the cancellation of credit cards for the sake of your credit score, but chances are if you have a great score and you've got a card with a high annual fee that you're just not getting enough rewards from. You're like, I'm paying the annual fee but like I either have to manufacture spending, I'm spending more than I want to. It actually has become like a pain in my butt. How much is this actually doing for me versus a straight up just 2% cash back card that I don't have to think about if it's overwhelming you or the rewards just aren't worth it, then reconsider. Yeah. And downgrade or even cancel. Especially if you don't need to use your credit score for a big purchase in the near future like getting a mortgage or something like that. It is Kind of crazy how complicated some of these rewards cards have gotten. And Matt, there's a new credit card on the scene that I just saw from U.S. bank and this one is actually not similar to the high end rewards cards. It's an attempt to merge a credit card and buy now, pay later. You know, this is not something the hybrid model we're going to be fans of. Yeah, I like hybrids, like a Prius or something like that, but not in terms of like emerging of credit cards and buy now, pay later. Instead of paying off the full balance at the end of the month, with this card you can pay off your balance over the course of three months instead for a fee. Of course you got to pay extra for that privilege. And I just don't like credit cards becoming more like buy now, pay later. Credit cards are awesome. Not because they're debt products, but if you use them properly, they offer perks, they offer protections for you as a consumer. And so if you're just, if you're just using it as a method of payment to do the buying that you already would have done and paying it off in full at the end of the month, credit cards can be an excellent way to facilitate purchases. But using any payment method to extend your buying timeline because you don't have the cash, that's a red flag. So if you're like, oh, this credit card is great not because of the perks, but because it allows me to pay off the item I bought further down the road, I don't like that. So I'm really not a big fan of this new US bank credit card.

[A]

Yeah, yeah. You said there's a new card that you recently read about. It's not the card I thought you were going to mention. The card that I came across recently that I applied for is the new Robinhood card. The new Robinhood Gold Card, 3%.

[B]

That's pretty good across the board. Cash back, which is the first of its kind, right? I don't know.

[A]

I don't think there has been any other card and so I quickly applied and got it and I haven't read all the details on it yet, but we certainly will let folks know. I did see that it's.

[B]

When did it launch?

[A]

Well, they announced it last last year.

[B]

I want to say we talked about.

[A]

It when they announced it. It's been sitting around I think as they're trying to figure things out. But the actual, at least for me, maybe other folks have been, it's been trickling out. But I, it showed up in my email the other day and I hit apply now and filled out the information and they said it's going to be showing up in sometime next week.

[B]

Is there an annual fee for that card or is it just a Robinhood Gold membership?

[A]

Technically there is, because it's to be a Robinhood Gold member, you're paying five bucks a month or like 50 or 60. 60 a year, slightly discounted. So technically there's not a direct annual fee for the card, but there kind of is. But that being said, then you get the additional benefits of being a Robinhood Gold member. Right. With a match. The only or one of the very few non employer IRA matches that's, that's being provided out there.

[B]

So just Robin Hood's making it more and more enticing.

[A]

They are making it attractive.

[B]

Like every time they announce something awesome, they also announce something that I'm like.

[A]

A little wary of. Yeah, but you have to pick and.

[B]

Choose the benefits that you want to access with Robinhood.

[A]

Three percent though, across the board. I am really curious to see if this is going to replace my Citi Double Cash card for just all the standard purchases. Okay, so actually, while we're talking about Robinhood, did you see that they are offering this whole thing where they can bring cash to your doorstep? It's like Uber Eats, but for dollar bills.

[B]

I did. I saw that.

[A]

It seems like there was a whole lot of other ways. It's like seven bucks in order to get cash delivered to your front door.

[B]

Unless you're a Robinhood Gold member. Right. Or if you've got at least $100,000 in assets with Robinhood, for me. Is it.

[A]

It's like three bucks or something like that.

[B]

Yeah.

[A]

Per cash delivery, as opposed to.

[B]

Which is lower than a regular ATM fee.

[A]

But you folks should be with a bank that reimburses ATM fees and if you don't have a bank that does that, you should then be. If you need cash, which is a rare occasion, you should be getting cash back with your debit card once in a blue moon, whenever it is that you need to do that, which you can do at a grocery store or Facebook marketplace. I just listed something and the lady was like, can I come by and bring cash? I was like, no problem. Cash is accepted at the alt mix household.

[B]

You don't.

[A]

Because that, that is honestly how we. We get cash, like in our coffers at home to be able to pay the kids. Like, I can't literally remember the last time I went to an ATM or got cash back. It's truly because of this kind of rotating stash of cash that we have that the kids earn money for jobs and then pay back to us when they want to buy something.

[B]

Yeah, basically. You know what I was reminded of earlier this week that I hadn't thought about or had forgotten about was that some grocery stores are actually charging you to get cash back.

[A]

Oh, really?

[B]

So, like Ralph's, which I think extends to Kroger. I think they're basically the same corporate ownership.

[A]

Sounds like a crummy place to shop.

[B]

Yeah. Well, if you get cash back, and I don't know if this is true at other grocery stores as well, but if it's like 20 bucks, you pay a 50, 50 cent fee. And if it's like even more than that, I think you're paying $2 or $3 to get cash back, which is like.

[A]

So everyone's getting paid roughly.

[B]

I mean, I think the average ATM fee is something like $5.50, which is insane. That's again, why you need to be with one of our favorite online banks who doesn't charge or would either have an ATM network that allows you to avoid paying any fee, or there's the. If you like, bank with like Schwab or something like that, I'm pretty sure Schwab, they will refund any ATM fee that you incur. So, I mean, again, this is one of those things where. How often am I getting cash similar to you? Not very often. Yep. But okay. Speaking of banks, and maybe some banks are better than others. And so you might want to consider leaving the crumbie bank you're with, Especially if it's one of the big bank that's big banks that has a brick and mortar on every street corner, which has become their favorite form of marketing. Now. I don't know it's highly profitable necessarily to have those.

[A]

It's just convenient. Not unlike the Sam's thing. If it's there, maybe you'll go into it. But the fact that I never pass it, I don't ever step foot into the Sam's club.

[B]

So what people are choosing to do now, instead of signing up and moving everything over to a new bank, they're doing this thing because of course, there's a catchy term for everything these days, soft switching. This is the trend and basically what it means is that people are opening up another bank account in order to get better service or higher interest rates, but they're just not moving all of their deposits or direct payments over to this new bank because it'd be too much of a Hassle.

[A]

I'm totally down with that name.

[B]

I'm down too.

[A]

Instead of hard switching, just a soft switch.

[B]

Soft switch. And that maybe that I think people are always. Or that's maybe one of the pushbacks we get is like, oh gosh, guys, switching banks is a massive pain. Well, so what if you don't fully switch banks, but what if you open an account with an online bank that is better and you either slowly migrate over making easing the transition or you just have both simultaneously and you're like, well, this bank offers free checks and it offers a better, higher interest rate and it offers better customer service. So I'll take advantage of the things that they offer, but I'll keep maybe my crummy bank account that I've had for forever so that I don't have to change everything all at once.

[A]

I like that it gives you a longer amount of time to be able to get used to the new platform, how it is that they do things. Because I think that's for a lot of folks. They just don't want to have to learn the new system. Everyone's just used to the status quo and keeping their financial equilibrium for a lack of a better term. Joel, how do you feel about where prices have been? How do you specifically feel about tariffs and enforcing the hand of the market and getting other countries to pay the high prices in order to bolster US Manufacturing?

[B]

You and I've talked about this a little bit on the show. I think it's so fascinating that so many people who were anti tariffs and pro free markets started to buy into the fact that like, oh yeah, tariffs are the solution to all the ails that we face. And I just don't think they are. And I think they're finally starting to catch up with us.

[A]

I had as prices are slowly starting to catch up.

[B]

Prices, right? That's right. And I was hanging out with a friend recently and he was talking about a big company that he works for, a water sports company, and you would recognize the name. They make a lot of stuff. And he said he was talking about the impact of tariffs on the company. And he's like, we've been eating the tariffs. Like we've had to reduce staff. We've had to really watch costs. It's been, it's been really like tough sledding and we're not a big enough company where we have the ear of the president to roll back tariffs on our specific items that we're, that we're working on. And so it's been. He's like well pretty soon those prices are going to have to go up like they just are. And so I think we're starting to finally see that that pre buying of the inventory has. It takes a while.

[A]

Yeah, it takes a while for it to trickle through the system before like the information, like the feedback loop it takes. It's not something that you can measure within a couple of months, a few months it's going to. Yeah. I would not be surprised to see things change dramatically if we're not wanting to continue to see prices rise. Well, without an end in sight.

[B]

I think the place where we've seen maybe the most impact of tariffs more quickly has been at the grocery store. And at least like the president is starting to realize that higher prices at the grocery store are annoying Americans, that they're frustrated by paying more for things like bananas and coffee and beef. And so he just opted, I think it was Friday after our show came out, Matt, he said that he's going to roll back tariffs at the grocery store on specific items, on dozens of items. It feels like this tacit acknowledgment. I'm not going to say it out loud, but yeah, I guess they are causing higher prices. So I'm going to roll them back on some things that people notice when they're going because we buy groceries multiple times a week, typically in some categories. In particular, inflation has been incredibly high. Steak, coffee, bananas and oh well, guess what? We can't grow much coffee in the United States. Oh, guess what? We can't really grow bananas in the United States. So all the tariffs were doing was leading to higher prices. It was a tax on consumers and people were are frustrated to see steak costing $20 a pound when it cost $12 a pound in January. And so yeah, tariffs jack up prices across the board. It's good to see at least a little recognition of that from the White House. And it'd be nice if we didn't have a willy nilly tariff regime going on. But at least we will see some relief on some of these items.

[A]

Yeah, basically tariffs act as a tax to us as US Consumers which just basically make things more expensive. But consumers, we can't do much about higher prices that stem from bad policy specifically. But folks are reacting intelligently by spurning beef instead for chicken. So Tyson reported that beef sales continue to decline and chicken is through the roof. It's rising quite significantly in popularity. It's up 28% year over year, which makes sense when a whole chicken is like a fraction of the cost of Beef, I think it's something like 99 cents a pound, as opposed to ground beef, which is around $6 per pound. But, Joe, you know, one of the other ways that you can combat the high prices of beef and specifically steak, is to get it on sale. And this is something. This is. I'm going to celebrate a little Costco win, which is that they were offering whole slabs of ribeye.

[B]

Oh, you did this, didn't you?

[A]

So, well, you. You. Okay.

[B]

I told you about it.

[A]

You told me about it. And I was like.

[B]

So Joel said, hey, I did not partake. Cause it was, like, still really expensive.

[A]

Joel said, hey, they've got prime ribeye at Costco. The whole side of the cow, basically. And it's 75 bucks off per package. And you're like, that's crazy.

[B]

I was like, yeah, that's crazy.

[A]

Did you run? Did you crunch the numbers? And you're like, well, no, it's just because you're still paying hundreds of dollars. Yeah. For this much meat.

[B]

So what's the price per pound?

[A]

Next time I went there, they were still there because I think a lot of folks were still SC by paying hundreds of dollars. But I did a quick calculation, and it brought the price down to $15 a pound for prime ribeye, which is. Dude, this. You can't get prices that low. It's been, like four or five years since I bought Prime Ribeye. At 15 bucks is a little bit less, because everyone knows that when they do the discount per package, you go for the smallest package in order to maximize that discount. So, dude, massive win. I'd never done that before. I didn't tell you because I wanted to save it for the show.

[B]

Coming over to your house for ribeye, I guess.

[A]

But of course, it's a whole thing, so you do have to slice it. But that was actually kind of fun. It was interesting to see, like, oh, this is how the ribeye steak takes its shape. This is the meat. And cutting up. Cutting up your own steaks at home on, you know, with a giant knife on the cutting board.

[B]

How are your butchering skills?

[A]

Not bad. Okay, so a cup. I will say the steaks on the end don't quite look like rib eyes. Right. Like. But, man, all the cuts in the middle, they look like just like they do when they cut them there at Costco. They're even more uniform, though, because they always include one, like, thinner one or one really weird thick one in the package of four or something like that. Dude. I was like, laser, I didn't pull out a laser level or anything like that. But I was just looking at it.

[B]

I wouldn't put it back.

[A]

Making sure each steak was cut perfectly. Put a bunch of those in gallon bags stuck in the freezer so they wouldn't get bad.

[B]

But there you go. Like, that's.

[A]

That's one of the ways you also can combat some of these high beef prices, not just by opting for something different, but looking for some of those massive sales. And, yeah, you got to be okay with stomaching a few hundred dollars spent that you're not going to consume for probably a month or two.

[B]

Yeah. One of these days. One of these days I'm going to do the quarter or the half cow, like some of my friends do. Get the deep freeze and go in that direction. I know that that's a way that people save a lot of money if they really love beef, which I do. But I have been kind of following the trend and going more in the chicken direction. So much cheaper.

[A]

Ease into it next time you see one of the big things, you don't have to buy a special freezer for that. Like, you can cut up those steaks and prepackaged them, slide them into the freezer, you're good to go.

[B]

Yeah. Oh, speaking of which, actually, you remember when we talked about roadkill recently, one of our listeners reached out who lives.

[A]

Around the corner and speaking of meat in the freezer.

[B]

Yeah. And he offered. He was like, hey, not roadkill, but I just killed a deer and butchered it up.

[A]

Yeah.

[B]

And so Brett, super kind listener. Brett, offered us some venison, and I have not cooked it up yet.

[A]

I haven't either.

[B]

Stoked, too, though.

[A]

I was bummed I didn't get to meet him too, because. Well, yeah, I met up with you to kind of get my share or whatever. I was like, oh, cool. So where did he get this meat from? Like, where was he hunting? What was it?

[B]

Was it.

[A]

Was he shooting a gun or was it like a bow hunting? And you're like, I don't know.

[B]

So, yeah, Brett, give us some details.

[A]

Talking about something else.

[B]

I think he just wrestled it to the ground, probably. Oh, yeah, he looked like he could have for sure. But yeah, I'm excited for that.

[A]

The most ethical and sustainable way to. And probably most affordable way, too.

[B]

Yeah.

[A]

Consume protein to get your meat.

[B]

Agreed. One other thing we should briefly talk about, Matt, that the Trump administration is doing while we're talking about kind of the rollback of tariffs, is that travelers might not be able to get compensation for delayed flights anymore. This was a proposed Biden era rule that would have held airlines accountable for like heavily delayed flights. And it's being taken off the table. I'm not sure how you feel about this. My guess is you probably are okay with it more than I am. But I just think I like the incentive at least for airlines to the stick to say, hey, give people where they're going on time or there's going to be a price to pay. And if your flight's delayed in Europe, Europe has really stringent rules, compensation rules for delayed flights.

[A]

But then you gotta live in Europe.

[B]

Joel, that's true.

[A]

But US travelers, which I'm sure there's some great places to live in Europe. But there's a difference though between some of different practices and how we go about governing our countries. And like you alluded to, if it existed, I would certainly take advantage of it, but it doesn't mean I'm happy about it.

[B]

Right.

[A]

Like there are certain things that they are just the way they are. But generally speaking, from a principal standpoint, yeah, I do think it's probably for the best for this to go away. And instead of the government intervening, like, let the free market decide, right? Let folks post and share their dissatisfaction with an airline. Let the market decide. They're like, well, no, your tickets aren't worth that anymore because you treat your, your passengers, your customers poorly as opposed to this other airline. I want to start flying with them instead.

[B]

I think people do realize, oh, if I really, really need to get where I'm going on time, maybe Spirit Airlines isn't the best.

[A]

Exactly.

[B]

Like there is that kind of understanding, that knowledge in the marketplace.

[A]

There you go. That's something that you get with a more free and open market. Instead you're thinking, all right, I'm going to go ahead and splurge on the Delta tickets because I got to be there. This is not something I can miss.

[B]

And when you look at the statistics, actually Delta is I think the most on time carrier. So you might pay a little bit more, but you get what you pay for. You're probably more likely to get where you're going on time. But just know that there's no gonna be any sort of government backstop if your flight is delayed. Unless you're taking a flight to or from Europe, in which case you might be eligible for some sort of compensation. Alright, Matt, we got more to get to. Got to get the ludicrous headline of the week. Oh man, there are some incredibly new overpriced gadgets out there that people need to be warned away from buying. Talk about that and more right after this.

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[A]

All right, we are back from the break. It is now time for the ludicrous headline of the week, which is from cnn, which I will say I feel like CNN has been putting out some, some better news recently over the past couple years.

[B]

Some good business news.

[A]

Yeah, yeah. Not even the past couple years, I feel like, over the past several months. But this is a Funnier story from CNN. And the headline read, Apple launches a $229.95 iPhone pocket sock to widespread amusement.

[B]

I'm so amused too.

[A]

I was quite bemused myself.

[B]

It's funny.

[A]

Apple's been highly successful at monetizing desire through their, in particular through their design. But I can't imagine anyone out there is going to desire a glorified sock to store your phone in for the high price of $230.

[B]

If it was a $12 sock, I'd be like, all right, guys, that's cool, whatever.

[A]

Like if it's a $12 sock, you're like, I'll get it. And it's a stocking stuffer. Yeah, it's funny, but they're kind of going like the Gucci route, except for do you know, so you know, the sock reminded me it looks like like a Mankini from like Borat.

[B]

Yeah, it does.

[A]

It does because it's like this long, stretchy sock.

[B]

Yeah, it's, I mean, you can't make it up. It's pretty ridiculous. It's so stupid. It Is. Is something. Is like the Apple brand halo damaged by releasing a ridiculous product at this price point, though, I think at some point, people are like, wait a second. Are you just trying to get my money without giving me anything of value in return? I think so. I feel like it eradicates or at least reduces my trust in humanity, and I hope this product fails miserably.

[A]

Unless they don't move any product, and then you're like, all right, faith and trust restored.

[B]

Yeah, that's true. Yeah. And I hope that they.

[A]

If they want to put it out there and see if people buy it, like, more power to them, but they.

[B]

Get stuck with a million boxes.

[A]

Exactly. And then they have to get. They're giving them away.

[B]

Because I guarantee the socks cost roughly $1.82 to make.

[A]

Yeah, like 82 cents.

[B]

So the profit margin on it is just insane.

[A]

You know what's funny, though? Okay, before it sounds like you're about to move on, but I literally, back in the day, used to store my ipod in a sock.

[B]

And how expensive was that sock?

[A]

I don't know. It was just a sock that the other pair got a hole in it. And so I just used this sock to store my ipod.

[B]

I'm sure nobody made fun of you about it. My boss did.

[A]

So this is back when I used to work for the ad agency. My creative director saw it one day when she was passing my desk, and she's like, matt, don't. Don't use us.

[B]

Little did she know that that was.

[A]

Actually I was the head of the.

[B]

Curve man, the seed of an excellent idea to make ridiculous amount of money.

[A]

Speaking of Christmas, she did get me a little actual ipod case, little padded fabric case with a little beaner attached to it, which I appreciate it.

[B]

That is sweet.

[A]

I used it.

[B]

Well, I was going to move on because there's other ridiculously expensive. Let's get to objects that we should mention.

[A]

There's multiple ludicrous headlines.

[B]

Yeah. Wired had this article about a $300 water bottle. $300 for a water bottle?

[A]

Explain what this water bottle did, though.

[B]

Well, if a. If a sock is $230, I guess.

[A]

$300 water bottle sounds like a deal.

[B]

That sounds reasonable. But it's this brand called Ocapa, and they're touting it as, and I quote, a technical feat of engineering beyond reason for a water bottle mat. They engineered the heck out of this thing. It's been called the Ferrari of water bottles that now cost 12 times what a Stanley did, which was also overpriced. And ridiculous. This water bottle doesn't do anything special. It doesn't filter your water. And worst of all, it has a bunch of extra parts that need regular cleaning. Does it look cool? Kind of. Yeah, kind of. But I think it's a weird new product and free markets are fascinating to me. I will be watching this. There was also like a $520 white T shirt that I saw recently as like, oh, this is like the premium white T shirt. And I was like, it looks exactly.

[A]

Looks like a normal white T shirt.

[B]

Like the Kirkland signature white T shirt that you get. I don't know, four in the pack for probably $12, $520 for one shirt.

[A]

It might come from the same factory.

[B]

If you're into $520 white shirts, don't want to throw shade. If you're into $300 water bottles, you do you. But I'm just hoping that these overpriced items that don't really offer any additional value are spurned. I'm not against spending a lot of money on something that's actually going to make a meaningful difference in your life, but I just don't think the water bottle or the phone sock are going to be those items.

[A]

What's also funny, okay, so the name of that water bottle was Okapa, which is very similar to Oala, which is just two letters off, which is a superior water bottle. Do any of your kids have oalas?

[B]

Yes, they do. And those are pretty indestructible. Easy, clean.

[A]

I'm literally still here with my 2018 takea. I don't even know how you say it. Takea. Whatever that I got from fincon for free at the hotel after the party that we were helping to host was cleaning up and someone left their water bottle.

[B]

You use it every day.

[A]

It's a found water bottle. I don't think I've touched or used anything so often in my entire life.

[B]

I'm using my free Nalgene given to us by the kind folks at Bell's Brewing.

[A]

Yeah, classic Bell's. But I am considering getting an Oalla because of its design. It tapers in the middle so it's easier to grab the. It's got the straw and the spout ability to drink. I drank out of my daughter's the other day and I said out loud, this is in fact a superior water bottle. And with all that praise, we're not even sponsored by oalla. But while we're talking about overpriced items, Joel, let's talk about weight loss.

[B]

Drugs.

[A]

And obviously these drugs can have benefits for folks with actual diabetes. That's not how a lot of folks are using them these days, though. But the price is going to go down significantly on these drugs thanks to President Trump. It's not the free market at work, and honestly, there isn't much of that at all within the pharmaceutical space. But this new agreement is likely to save people a bunch of money every month. And this is all via Trump rx. So, again, don't love how we arrived here, but we want folks to know what's available to them, where to find the best deal. And zeppbound wegovy is they're both now going to be available directly for far less than what's currently being charged.

[B]

Yeah.

[A]

So folks without traditional insurance will be able to get these drugs for, I think, around $150 a month. $600 is currently the lowest that I've seen. So this is a significant decrease.

[B]

I think literally this week I saw some of them. I don't remember which one. Going down to like 350 direct without insurance, because they know this Trump RX thing is coming down to compete. So prices are dropping dramatically on these GLP ones, which, you know, one of the reasons that we're seeing higher healthcare costs right now, it's because of the GLP1s and how much the insurance companies are paying and what a large percentage of people on their insurance are opting for. Yeah, they're like, I want to sign up for this. And so the insurance company's kind of taking it on the chin. So these lower prices could help reduce healthcare costs and could help reduce costs specifically for individuals buying those drugs directly. Actually, funny, last night my wife was talking about Ozempic face. Have you heard of this?

[A]

No, I've lost weight face.

[B]

Yeah, basically. But it happened so quickly. Like, you can tell, like, very quickly who's using it because the weight falls off. Interesting.

[A]

Their skin doesn't have time to react. It's basically like you got lap band surgery for your face.

[B]

Yeah, pretty much.

[A]

I've not heard that. But actually, you saying Ozempic face, the reason that's a thing is because it starts with oh, which office space? O face.

[B]

Well, and it has been interesting when you look at the chart of obesity rates in this country. They declined for the first time over the past year. It was a steady incline on the way up. And it is cool in some ways to see that obesity rate dropping.

[A]

And hopefully that'll lead to other health benefits. Right. Like increases when it comes to some of the other measures, not just in obesity.

[B]

I wanted to hit on a touchy subject, though, because I saw an article in the Cut about taking Ozempic to get ahead at work or taking any of these weight loss medications. And research does show they highlighted in the article that thinner people tend to get paid more and attain higher status jobs. I was talking to my sister about this and she was like, that's so true. Everyone right around the CEO is incredibly thin and they look fit and stuff like that. And so she was like, it is harder for people who are overweight to get ahead, at least where I work. And this appears to bear out in the statistics. So, Matt, in a world where everyone's doing it and it could be your career advantage, you can make more money, even considering the extra you might be paying to access these drugs. Does jumping on the bandwagon of weight loss drugs make sense for more people?

[A]

I think it could. Right? So you're basically asking if it's like table stakes now, the fact that you've got to do this if you want to.

[B]

I think for a lot of people it feels that way.

[A]

Yeah, I think so. I think I would be. I mean, they haven't been around for all that long. And so my biggest question are like, what are the long term impacts of these drugs? That's one thing. But then also, especially if there's like.

[B]

Bone loss and like long term gut issues.

[A]

Yeah. It reduces your desire across the board. And that's something else. The whole nother can of worms that we probably don't need to get into during this episode. But going back to fertility rates and you know, these are discussions we've had on the show. That was the topic of your conversation with Melissa Kearney, Right? I don't know, it's. Yeah, it's a double edged sword.

[B]

Agreed. All right, let's talk about cars. Everyone thought Toyota was crazy when they doubled down on hybrids and they said, we're just not going to get into the EV game right now.

[A]

I didn't think it was crazy.

[B]

Yeah, hybrids evolved well, A lot of people did think about VW going like, hey, we're going all in on this. And a lot of carmakers were like, we got to come up with an EV lineup, people.

[A]

This is the future full EV by 2028.

[B]

Right.

[A]

I remember the super bowl ads, right? Volvo.

[B]

But I feel like now Toyota is looking crazy like a fox. Because the whole EV space is in turmoil. Brands have not found a way to reliably produce vehicles that turn a profit. Consumers are less Interested. As tax credits are evaporating, so car brands are attempting to pivot. Ford basically said, hey, we're probably going to stop making the Ford Lightning. Even though it's the best selling EV truck on the market. It turns out that title doesn't really mean much because unit sales are still pretty, pretty paltry. And it's just really expensive to get into a new EV these days. I think, you know that Ford Lightning was supposed to start at 40 grand, but an entry level model, now it starts like 60,000. So prices skyrocketed on that. I remember when they announced the ford Lightning at 40K and I was like, yeah, I might be in for that. But then the price went up dramatically and I was like, yeah, I'm not going to buy one for 60 grand. So I think car companies are going to have to find a way to bring down production costs to peak interest or just stop making cars that don't sell. And so I think we are going to see kind of a paring down of electric vehicle offerings as many manufacturers are just like, we don't know how to turn a profit on these.

[A]

That's right. Okay, so speaking of car expenses, we've known that poor or even non existent credit history can have a pretty wide ranging impact on your personal finances, including increasing the cost of car insurance in most states. Well, there was a recent NPR investigation and they found that the impact can be massive. And so in that report, the same applicant with the only difference being a poor or excellent credit score could actually pay thousands of dollars more in premiums annually. And this is another instance of where you may not totally agree with how it is that we are calculating credit scores and the system's not perfect, but it is another reason to know the game and to play by the rules. I feel like so much of our episode today is just like, we don't love how this is happening, but we want you to have the knowledge and know how this is impacting your personal finance.

[B]

Do we love how much influence and power the three credit bureaus have? And do we like how they wield their influence and power, but they're not awesome.

[A]

That's not up for debate right now. What's up for debate is what it is that you can do as an individual to better your personal standing.

[B]

You need to know your credit score and you need to make sure that it's solid because and that typically needs like 740 or above is really the goal we're shooting for if that's the case. And I think you said most States, Matt. I think it's three states that don't allow credit scores to influence what you pay for car insurance. But other than that, the 47 states, it's fair game. And so if you, if you live in the majority of the United States of America, paying attention to your credit score is going to help you pay less for car insurance. While we're talking about cars, Matt, let's do one final story. Let's talk about car technology. I think one of the reasons I don't love renting cars because it's kind of expensive. But the thing I do love about running cars is you get to kind of test drive something you've never experienced before. Like I test drove a Subaru EV last time I rented a car and I was like, this is fun. And then it was a Toyota Sienna and I'm like, ooh, this is different than my Honda Odyssey. Because I'm such a middle aged man and love to test drive minivans like that. I never would have said that 20 years ago.

[A]

I've been highly underrated.

[B]

We've lost all our street cred.

[A]

You know, I need to do is talk to my neighbor. They just, they got an expedition, which is a big nice. Their family's growing. I'm like, why haven't you considered a minivan? Just go on one little trip with us.

[B]

You could totally be a minivan car salesman.

[A]

Oh my gosh. Aside from the fact that it's just old and kind of smells when you get used to the space, the automatic doors, there's no having to lift that baby seat way up high in some of these cars, man. You have to raise the baby seat up six feet up in the air in order to latch it into the, the car base.

[B]

Minivans, they ride so smooth too. Yeah, they're so great. So everyone out there consider the minivan. But one of the things I love is carplay. Right. It's so nice compared to my cars are so old.

[A]

Yeah, I don't have that.

[B]

Yeah. I've got literally an AUX jack, which my car's in 06, so it means it was probably the first year they put those in and so I'm glad I have it.

[A]

Oh yeah. The auxiliary jack was a feature. Yeah. You see it as a bug.

[B]

That meant it was high end back in those six. No, I think it's great. Exactly. But I love how like when I get into my rental car, it just kind of automatically connects and I can play stuff from my phone. It's super simple. Well, GGM announced that it's ditching CarPlay in all of its new cars in favor of its own proprietary software. And I gotta imagine, Matt, that people are gonna be far less interested in GM cars because of this. This seems like a really bad move.

[A]

I totally agree.

[B]

The Apple and Android, they make it free. It's free software and consumers like it because guess what, it works really well with their phone. I gotta.

[A]

It looks just like an iPhone, except for it's on CarPlay.

[B]

Yes. A proprietary.

[A]

Why would I not want that?

[B]

GM software is, is not going to be better than this. So this might be GM shooting itself in the foot.

[A]

Well, yeah. And you know, you know why they're doing this probably right? Like they're trying to get subscriptions. Because if you are using your, your iPhone and you're. It's playing through CarPlay, guess what, you're not using. You are not using their built in navigation. Guess what, you're not using. You're not using the free WI fi that they include with the purchase of a new vehicle. So my in laws, I think they get like one year free of like a wifi hotspot. So they're able to use wifi off their vehicle and you start getting used to that. And then pretty soon, once that free trial's up, they're gonna start being, oh, sorry, this is gonna go away. And they've got their hooks in you.

[B]

Yeah. Pay us 20 bucks a month or else.

[A]

I know. So they want some of that recurring subscription revenue just like all the other companies out there, man. That plus data, of course, always sells for, for Top Penny as they're looking to dish up the best ads to you.

[B]

Top Penny. I haven't heard that in a while. You can't say that anymore. Pennies.

[A]

Top Penny.

[B]

They're minting pennies, man. That's right. Top Dollar.

[A]

We didn't talk about the fact that they minted the last penny like two weeks ago.

[B]

That's right.

[A]

Something like that.

[B]

I was sad, but not really.

[A]

No, you weren't. Because we've been advocating.

[B]

I do hate it. Yeah.

[A]

The fact that it costs what, 4.3 cents to actually make a single penny is like the most backwards thing.

[B]

But it's the end of an era. It is in the United States. The cute little copper things, they're not going to be around anymore. And so I'm glad that we're not wastefully creating pennies anymore. I'm glad I don't have to use them, keep up with them. But you know, they were cool.

[A]

It's gonna. Yeah. I'm more likely to hang on to the pennies that we have in order to play some of the different games we play with the kids. Yeah, like card games.

[B]

The best thing to do with a penny these days. Put it on a railroad track and let it get smashed.

[A]

No, because then you've essentially destroyed history. Do a nickel or a court. You know, something else that they're still making.

[B]

All right, hold on to your pennies, folks.

[A]

I'm just saying, 10 years down the line, I think folks are gonna say, oh, I wish I would have, like, held on to a buck or two's worth of pennies for, like, little stuff.

[B]

Around the house onto one sleeve for posterity's sake.

[A]

Just for kicks.

[B]

Yeah. All right, that's gonna do it. For this episode. We'll put links to some of the stories we mentioned up on our website in the show [e-mail] Matt until next time, best friends out.

[A]

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[B]

Cut the camera.

[A]

They see us. Only pay for what you [e-mail] Liberty Liberty, Liberty. Liberty Savings Ferry, underwritten by Liberty Mutual Insurance Company and affiliates, excludes Massachusetts.

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Hey, it's Ryan Seacrest for Albertsons and Safeway. Flu season is here and our pharmacies have you covered with a free flu shot with most insurance plans. Plus, it's cough and cold season and now through December 2nd. Stock up on all the season's essentials and get ready for relief with discounts on items like Mucinex, cold and flu, Kickstart, Mucinex, Fast Max products, Vicks, Daquil and nyquil Combo pack. Alka Seltzer plus also airborne and afrin offers end December 2nd. Restrictions apply and offers may vary by location. Visit Albertsons or Safeway.com for more details.

[B]

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[A]

So do what you need to do, work how you need to work. Sweat moves you forward. Degree is here to make sure that it doesn't hold you back degree here for sweat. This is an I heart podcast.