#515 - We Became Finance Bros!

Summary

The Basement Yard: Episode #515 - We Became Finance Bros!

Release Date: August 11, 2025
Hosts: Joe Santagato, Frank Alvarez, and Ant
Presented by: Santagato Studios

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1. Fort Minor and Linkin Park: A Nostalgic Dive (00:00 - 03:00)

The episode kicks off with a playful banter between Joe and Frank about the band Fort Minor. Joe humorously remarks, "Honestly, not a great band name, but it's a great name for like a house that has a bunch of pedophiles in it." [00:45]. This sparks a deeper conversation about the origins of Fort Minor, often confused with Linkin Park. Frank attempts to clarify, stating, "Every now and then a phrase or word or sentence comes along that you can with confidence say you haven't heard or said in a decade. Fort Minor..." [00:31], highlighting their nostalgic reminiscence of the band's music and legacy.

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2. Analyzing Fort Minor's "Remember the Name" (03:00 - 08:00)

The hosts transition into dissecting the popular Fort Minor song, breaking down its iconic lyric: "10% luck, 20% skill, 15% concentrated power of will..." [03:00]. They humorously debate the meaning behind each percentage, with Frank questioning, "Is that just like ambition?" [01:59] and Joe adding, "It's like in a mile." [03:03]. Their playful analysis culminates in a collective realization of the song's depth, albeit presented with their characteristic humor and confusion.

---

3. The National Debt Conundrum and Venmo Solutions (08:00 - 26:00)

Shifting gears, the discussion pivots to the daunting topic of the national debt. Frank introduces the idea of individuals contributing to the national debt via Venmo, joking, "You can Venmo the government to help pay down the national debt." [12:00]. Joe expresses skepticism, saying, "You think I'm sending you even a buck?" [12:47], highlighting the absurdity of the proposition.

Ant interjects with factual data, revealing, "We're in debt a measly $36.7 trillion." [14:17], which Joe humorously downplays, "Trillion is a fucking Looney Tune number." [14:34]. The trio delves into the complexities of national debt, discussing interest rates, the impossibility of paying it off singlehandedly, and the role of major economies like China in holding significant portions of this debt.

Frank voices a critical perspective on the current financial system, stating, "It's a little predatory." [47:45], referring to the shift from high-yield savings accounts to riskier investment avenues. Joe emphasizes the importance of investing despite the risks, noting, "if you have the money and you can invest, like little by little over time, that is very helpful in the future." [46:11].

Throughout this segment, the hosts blend financial insights with humor, making complex economic topics accessible while maintaining their signature comedic flair.

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Notable Quotes with Timestamps:

• Joe on Fort Minor's Name: "Honestly, not a great band name, but it's a great name for like a house that has a bunch of pedophiles in it." [00:45]

• Frank on Longevity of Phrases: "Every now and then a phrase or word or sentence comes along that you can with confidence say you haven't heard or said in a decade. Fort Minor..." [00:31]

• Frank on National Debt Contribution: "You can Venmo the government to help pay down the national debt." [12:00]

• Joe on the Absurdity of Venmoing Debt: "You think I'm sending you even a buck?" [12:47]

• Ant on National Debt Figures: "We're in debt a measly $36.7 trillion." [14:17]

• Frank on Financial System Critique: "It's a little predatory." [47:45]

• Joe on the Importance of Investing: "if you have the money and you can invest, like little by little over time, that is very helpful in the future." [46:11]

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Conclusion

In this episode, The Basement Yard takes listeners on a journey from nostalgic music discussions to the intricate and often overwhelming topic of national debt. Through their engaging and humorous dialogue, Joe, Frank, and Ant demystify complex financial concepts, making them relatable and entertaining. Whether you're a finance novice or a seasoned enthusiast, this episode offers insightful commentary wrapped in the hosts' characteristic wit and camaraderie.

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Note: Advertisements, sponsor segments, and non-content discussions have been excluded from this summary to focus solely on the core content discussions of the episode.

Transcript

[Joey]

Welcome back to the base. Welcome back to the basement yard. There he is.

[Frankie]

There you are.

[Joey]

Here I am.

[Frankie]

Where'd you go?

[Joey]

I don't know how to. What's that song?

[Frankie]

Where'd you go? I missed you so. Feels like it's been forever since you been gone.

[Joey]

Is that Fort Minor? You haven't heard that in a while.

[Frankie]

Let me explain something.

[Joey]

Fort Minor.

[Frankie]

Every now and then a phrase or word or sentence comes along that you can with confidence say you haven't heard or said in a decade. Fort Minor, is that Fort Minor, which.

[Joey]

Honestly, not a great band name, but it's a great name for like a house that has a bunch of pedophiles in it.

[Frankie]

I mean, how do I even. What are you. Where do you even go from there?

[Joey]

Isn't it?

[Frankie]

We're a minute in and that's what.

[Joey]

Welcome to Fort Minor.

[Frankie]

You know what I'm saying?

[Joey]

Like, it's like, yeah, put them all in there. Put them in the Fort Minor I I.

[Frankie]

Off the coast of. Well, like Fort Minor. Is it a better name than Lincoln Park? Because that was the thing, right? It was like the lead singer of Lincoln park left and made Fort Minor. Is it? I believe that was the story. I believe he passed away.

[Joey]

I like Lincoln Park. Oh, Chester Bennington.

[Frankie]

Yeah, I'm pretty sure that I think Fort Minor. Can you just cross reference this for me? I think cross mine. What? Fort Minor was the lead singer of Linkin park. And he was just like, I'm going to do something else. And it's just the. It's Linkin park. But just a new name.

[Joey]

Huh?

[Frankie]

Were there any, like, big fort minor songs?

[Joey]

10%.

[Frankie]

Look, 20% skill, 15% contrapated power of will.

[Joey]

What is a concentrated power of will? What is that?

[Frankie]

I think it's just like, it's so. It's like concentrated. Like.

[Joey]

Is that just like ambition?

[Frankie]

Like sour? Well, no, because he says ambition.

[Joey]

That's true.

[Frankie]

What is it? What is it again? 10% luck, 20% skill, 15% contrary power.

[Joey]

Which is like we were going by tens and now we're at 15.

[Frankie]

So 10, 20, 50. That's only 45%.

[Joey]

Yeah, 10%. 20.

[Frankie]

So what's the other 55%? 5% pleasure, 50% plain pain and another percent reason to remember your name.

[Joey]

And 100% reason and another percent I can't talk and a one more percent reason. Another little percent reason.

[Frankie]

Remember my name. I can't talk today. So. All right, let's break this down.

[Joey]

It's mostly pain that he's going through. It's only 5% pleasure.

[Frankie]

So you only get a little bit of 50% pain. Yeah, that's. Yeah, that's all.

[Joey]

I mean, there's more.

[Frankie]

There's more ambition. Well, there's more ambition. All right, so. So one more time.

[Joey]

So there's only four things.

[Frankie]

I mean, I'm trying to.

[Joey]

Luck.

[Frankie]

10% luck.

[Joey]

20%.

[Frankie]

20% skill. 15% concentrated power. Will. Bro, you know how intense there's like.

[Joey]

It's like in a mile.

[Frankie]

Willpower is a very intense thing. Yeah, concentrated, that's like you have to dilute it with water in order to make this person like a livable, functional human being.

[Joey]

No, concentrate is the opposite of that. It's not diluted.

[Frankie]

I'm saying. But in order to make it so it's not dangerous, you need to dilute it.

[Joey]

Well, that's why it's only 15.

[Frankie]

Because I concentrate. But. Well, concentrated power of will. That's. That's like saying it's still power of will. Yeah, but concentrated to a degree that it's only 15% of the concoction.

[Joey]

Yeah, that's diluted.

[Frankie]

Maybe. Yeah. So the. Maybe the remainder of the percentages will, you know, dilute it to a place of making it safe.

[Joey]

Listen. 50% pain. That feels like we're doing something wrong.

[Frankie]

What is. All right, so 10% luck. How can skill. 20% skill. 15% concentrated power of will.

[Joey]

5%.

[Frankie]

5% pleasure. 50% pain. And 100% reason to remember the name.

[Joey]

Correct.

[Frankie]

That.

[Joey]

That's the full concoction that we're going.

[Frankie]

Does it add up to 100?

[Joey]

Yeah.

[Frankie]

Are we sure about that? Yeah. You added it up ant I have it.

[Joey]

You have a pen out, Always ready.

[Frankie]

Okay, so you've added it up, and it is 100.

[Ant]

It's 100. Exactly.

[Frankie]

Do we know anyone that. That fits that I mean. 50% pain. We hope that you seek the appropriate resources to feel better about it.

[Joey]

Yeah, 50%.

[Frankie]

You. You think that's you?

[Ant]

Sure, I'll take it.

[Frankie]

You're 50% pain, only pleasure.

[Joey]

5%.

[Ant]

Oh, see, that's where it catches me.

[Frankie]

And I don't even know if. 15% power. Concentrated power of will.

[Ant]

What percentage. You think you're made up?

[Frankie]

Yeah, all of those things.

[Joey]

Let's start with that.

[Frankie]

Luck. I would say less. I would say I'm 5% luck.

[Ant]

Okay.

[Joey]

Got percent skill.

[Frankie]

In terms of what? Just general life.

[Joey]

Can't. We're just. We're just asking the question. You have to give a number.

[Frankie]

I would say 30% skill. Okay, 15% concentrated power of will. I'm fine with that. I would say I'm way more pleasure than pain, though.

[Joey]

Okay, so.

[Frankie]

So if he says 5% pleasure, 50% pain, I'll flip that. But no, that's.

[Joey]

We haven't added up. You don't. You haven't. Don't have it added up.

[Frankie]

All right, so where am I at so far?

[Ant]

Well, how about you just toss them out?

[Joey]

We'll figure out what he said.

[Ant]

5% luck, 30% skill, 15% concentrated power.

[Frankie]

So I've remained consistent with my power of will contribution.

[Joey]

Right.

[Ant]

So now we're at pleasure. Just talk, he said.

[Joey]

I think he said flip them.

[Frankie]

I think. 50% pleasure, I would say.

[Joey]

And 5% pain, I would say.

[Frankie]

No, My back has been hurting really bad lately, so I think I'll go 40% pleasure, remainder percent pain, because it's. It's all back pain, if I'm being honest.

[Joey]

And how much of that to remember the name?

[Frankie]

I would say a good 80% of that to remember.

[Joey]

Okay.

[Frankie]

Because I don't want to be remembered for the pain.

[Joey]

And can we get a tally on where he's at again?

[Ant]

He's. He's cheating with the. And the remainder.

[Joey]

Right.

[Ant]

Because, like, now he's making me feel in the gaps. Feels like cheating. Yeah, we're 5% luck, 30 skill, 15 concentrated power of will.

[Frankie]

So that's 50 right there.

[Ant]

40 pleasure and 10 pain.

[Frankie]

Yes. I think that's. That's 100.

[Ant]

That is 100. Yes.

[Frankie]

That's 100%.

[Joey]

That's an 80% reason to remember the name.

[Frankie]

Yeah. Because I would like to talk.

[Joey]

What's the other 20?

[Frankie]

The Internet, like, the. You know, the basement yard is a show.

[Joey]

Yeah.

[Frankie]

I would think that who I am as an individual, though, that's. That's more of a reason to remember the name than the basement yard. What about you?

[Joey]

Okay. I knew that was coming. I would say. I would say 20% luck. What's the next one? Skill.

[Frankie]

Skill. Oh, yeah. Now you can't remember it, and it's okay. I can't remember it. It's fucking big time trouble time.

[Joey]

You asked four times in a row. Like, hold on, let's write it down. Okay. Skill. I'll say 35. Okay. Power of will.

[Frankie]

I'll say you're pretty determined.

[Joey]

30. 30% power.

[Frankie]

Concentrated power, plus. That's a lot. That's a lot of power of will, dude.

[Joey]

Is it too much?

[Frankie]

I would say it depends what you.

[Ant]

Do for the rest of the ones.

[Joey]

Yeah. Pleasure and pain is left. Yep, yep. And I don't know how much I have left here, folks.

[Frankie]

What do you say for the luck?

[Ant]

20.

[Joey]

20.

[Frankie]

So you said 20, 30, and 35.

[Joey]

So we don't have anything left, folks.

[Frankie]

That's 85, 75.

[Joey]

We're just going to split the last two. Pleasure and pain.

[Frankie]

So 12%, 12.5% pleasure and pain.

[Joey]

You're a hundred percent reason to remember that.

[Frankie]

So you're at 12 point. You have an equal amount of pleasure and pain in your life. I had to for the sake of Fort Minor. Right?

[Joey]

Yeah.

[Frankie]

I mean.

[Joey]

I mean, sure.

[Ant]

I'm Pretty sure that's 110% to remember the name.

[Joey]

How you doing?

[Frankie]

We messed up the numbers, huh?

[Ant]

Frankie's math was wrong, but I just let it rock.

[Joey]

It's fine.

[Frankie]

Let it rock. Kevin Rudolph. We're back in the. We're back in those days.

[Joey]

Yep, we are.

[Frankie]

Let it rock. Let it rock. Let it rock.

[Joey]

I hated the way that guy wore hats.

[Frankie]

I don't remember the way he wore hats. Oh, that was a big thing at the time.

[Joey]

Didn't love it where it was like.

[Frankie]

There were baseball pitchers that did, too. People were like, they're my favorite pitcher because of how they wear hats. Like Dontre Willis and Michael Pineda.

[Joey]

Or about CC Sabathia.

[Frankie]

CC Sabathia?

[Joey]

Yeah.

[Frankie]

Hall of Famer.

[Joey]

Oh, yeah.

[Frankie]

But like, I remember when I. This is a true story. When I was first introduced to fitteds, which was seventh grade, I was told to wear them in a specific way, and it was by.

[Joey]

By what entity?

[Frankie]

My sister. And she said, over one eye to the side like Jay Z.

[Joey]

Yeah. I'm glad you grew out of that because I know that you did used to wear your hats like that.

[Frankie]

No, I really didn't wear them like this. I was mo. I. No, no, no. I really did. I wore them backwards a lot. You know, I wore them backwards sometimes. Sometimes I did, you know, just like resting on the head, like, you know, but like going out and being like, what's good? What's up, Mommy? I never said that.

[Joey]

I know.

[Frankie]

I don't know why I did that now.

[Joey]

Yeah. What's up, Mommy?

[Frankie]

Yeah.

[Joey]

I don't remember that happening at all. But anyway, amazing. I'm glad we figured out what we are.

[Frankie]

Did we ever clarify if Chester Bedingfield was the bedding Bennington?

[Joey]

No. Natasha Bedingfield, I think, is what you're thinking of.

[Frankie]

Great. Also a great singer. Was Chester the lead singer of Fort Minor?

[Ant]

That's what you asked. But yes, whoever you said was, yes, I think that Mike Shonda.

[Joey]

That. That's the actual, like, front man Park. Yeah.

[Frankie]

Oh, okay.

[Joey]

Chester Bennington, like, he was vocals. He was. He's like the screamer guy.

[Frankie]

I, I know. I, I.

[Joey]

But he wasn't like, the main guy. The main guy who, like, you know, would.

[Frankie]

Was, like, the face of Linkin Park.

[Joey]

Yeah, they both kind of.

[Frankie]

I'll be honest, I couldn't even tell you what any of them look like. That's not true. That's not true. I remember Chester because he was in a Saw movie.

[Ant]

Yes, they were.

[Joey]

Wow.

[Frankie]

Chester was in a Saw movie where, like, he was, like, stuck to a seat of a car and it, like, ripped something but off. No, it, like, ripped his arms or his mouth off or something like that. His back. It, like, ripped him out of the car, and his back was glued to the seat.

[Joey]

Dude, I would do so bad in a torture chamber.

[Frankie]

You know, be like, just let me.

[Joey]

Go, or they actually. I guess I would do good because I would scream a lot, which is what I assume they want.

[Frankie]

Oh, my God. Yeah. I mean, this.

[Joey]

Well, I'm just saying, I.

[Frankie]

Well, what they want is they. You're either in a torture chamber for a couple reasons. Sexual gratification or to get information from you.

[Joey]

Yeah, they're getting the information from me.

[Frankie]

Oh, you're. You're snitching immediately. Like, immediately.

[Joey]

It really would depend what it is. Like, if it's, like, a government secret, it's out. Don't tell me anything. Like, literally, don't. Don't give me information about the country. It will be gone if I'm tortured.

[Frankie]

Yeah. I don't know what the information I will currently have that would be willing to, like, torture me over family and.

[Joey]

Very close loved ones. Everyone else. I'm out. I'm out. I'm getting out.

[Frankie]

Oh, I was referencing in terms of, like, the country. Yeah. Like, what are they gonna ask me about the country? That's like.

[Joey]

That's why I'm saying, don't tell me anything, dude. Don't me where things are.

[Frankie]

You think that the people.

[Joey]

Fort Knox.

[Frankie]

Oh, you know what? Yeah. Hey, just in case you were ever wondering, government officials.

[Joey]

Yeah. Don't tell Joe the court the code for Fort Knox.

[Frankie]

I can't. I can't talk today. Yeah, I can't. I just can't talk today. It's okay. Yeah, I. I don't think I'd do well in a torture situation.

[Joey]

Would you, like, spit out. I mean, you.

[Frankie]

I mean, for certain things. Like I said, if it was about, like, Family then. Yeah, but like, if it was just like, tell us where you. You know the code to your safe, I'd be like, here.

[Joey]

Yeah.

[Frankie]

I'll tell you for. I'll start giving them pieces of information. Yeah. You know that like, can I leave a tip? I'll just start like, maybe at that point making up things that sound cool, that I know that they can't cross reference until they either kill me or let me go. You know, I'll just be like, by the way, I know Beyonce's address. You know, but it's in Iowa, so you're going to have to go there. Meantime, do you mind just let me go.

[Joey]

This is quite the strategy.

[Frankie]

I mean, it might not work.

[Joey]

I don't know how well that's gonna.

[Frankie]

Work, but I mean, you're. You're in a life or death situation. You gotta kind of throw stuff against the wall, see what sticks.

[Joey]

Yeah, I'm not. I'm not really. I'm not. Good. I won't hold the secrets for the government. Also speaking of the government, now, apparently you can. You can Venmo. The. The government to help pay down the national debt. In what planet am I gonna help you get out of debt? Trillions of dollars? You think I'm sending you even a buck?

[Frankie]

I mean, in theory, Joey, we are also part. We are part of the debt too. So kind of it's. It is kind of our debt.

[Joey]

You know, I should debt more on top of my debt.

[Frankie]

Yeah. Now you need to pay your billions into the national debt. Just help out of here. There is nothing. There is no reality. No, no, no reality. One where we're getting out of national debt. It's like in the trillions now. It's. It's like bad. You ever see the counter in. Is it. What square is that? In New York, there's a national debt counter and it's just going up all the time. You know what I'm talking about?

[Ant]

I do. I don't know where it is.

[Frankie]

Lincoln Square?

[Joey]

I don't know.

[Frankie]

Is that a place?

[Joey]

I don't know.

[Frankie]

Well, nonetheless, there's nothing that you could do to get that to like even put a dent in that. Even put a dent. Even Elon Musk with his newly awarded reported net worth of $405 billion, he can't.

[Joey]

I mean, he can make a dent.

[Frankie]

He can make a dent, but not a sizable dent.

[Joey]

No.

[Frankie]

If it's in the trillions, what's the size of the national debt right now?

[Joey]

Yeah, let's look up the national debt.

[Frankie]

And what do they think is gonna happen?

[Joey]

Yeah. How much money? I mean, I'm sure there are people like, let's help our country. Let's do the right thing.

[Frankie]

Good for them.

[Joey]

I think they should be dragged by horse. Yeah, okay.

[Frankie]

Or by dragon queen rope.

[Joey]

Yeah. Drag queens.

[Frankie]

Yeah, that should be. That should be a new.

[Joey]

Honestly, that's a good punishment because the drag queens will fucking flame the shit.

[Frankie]

Roast your ass.

[Ant]

We're in debt a measly $36.7 trillion.

[Joey]

Lower than I thought, but a lot.

[Frankie]

Lower than you thought.

[Joey]

300 trillion. Not that. That's like.

[Frankie]

I mean, that is what he said.

[Joey]

Let's get. No, he said 36.

[Frankie]

Oh, I thought you said 303. 356.

[Joey]

Let's get this out of the way. Trillion is a fucking Looney Tune number.

[Frankie]

It's a million billions. Right? It's a Looney Tune number, but it's a million billions.

[Joey]

It's not.

[Frankie]

So think about this. Right now, Elon Musk has only 405 billion.

[Joey]

What are we doing?

[Frankie]

What are we doing, guys?

[Joey]

I'm going to Venmo the government.

[Frankie]

Is it a million billions or is it a billion billions?

[Joey]

I don't know.

[Frankie]

I don't even know how numbers work.

[Joey]

Wouldn't even matter, though. Doesn't even matter. It's a joke. It could be 400 bucks. I'm still not sending it. Yeah, like, we could have a national debt of 400. Also, what happens when we're out of debt? I don't even know the answer to that.

[Frankie]

I don't even.

[Joey]

We're just spending the money anyway.

[Frankie]

It's always going up. What's the difference? I don't even think. Forget about spending. If we were to just stop spending today. Who. Whomever we are in debt to. Which is a great question. Also, who are you in debt to? I think China's up there. I think people are in debt to China.

[Joey]

Pretty sure.

[Frankie]

But, like, whatever the interest rate is, it's going up.

[Joey]

It's a joke.

[Frankie]

Even if we stop, I can guarantee they're probably not even giving away money right now for national debt. But it's just going up because of the 4% interest rate. What's 4% of $35 trillion?

[Joey]

Fucking cares. It doesn't matter. It's made up, bro.

[Frankie]

Think about this.

[Joey]

Like, in this day and age, money isn't even real. Like, it's just numbers on a screen.

[Frankie]

Well, I think money is pretty real. So can I have some?

[Joey]

That's not what I mean.

[Frankie]

What I mean is how Quick. They saw quick. It got real there, right?

[Joey]

Ian, can I have some? What are you talking about? And your brand new house. Fuck you. Like, but like it's. It's like numbers on a screen where it's not like here's coins or here's the gold, here's the whatever. Like it's just. And it's trillions of dollars we're in debt. Like it's made up numbers. And now these people who are making.

[Frankie]

The numbers of what? Money from us. What? To help with their made up numbers. I do agree with what you're saying because I don't feel like I have earned money unless I have it in my hand. Like, unless I physically. And like the same thing with like buying something like physical goods like clothing or anything that I buy until it's in my hand. As far as I'm concerned, it's not a real thing. Yeah, so like these people that are just like, they have a net worth of. They have, they have 500 million in Bitcoin. They might have that, but they don't have it. You know what I'm saying? Like they don't physically have it.

[Joey]

I mean. Yeah, they don't even have it in the that other sense.

[Frankie]

This is what happened as a result of savings accounts being completely devalued and money going completely into the stock market. Bro, there's all this money in the stock market. Is it even money though? It's just people saying like, what's money in the bank? Physical money in a bank.

[Joey]

They know it is not.

[Frankie]

They don't have all that cash sometimes. That's what it used to be.

[Joey]

That's what I'm saying right now. You can't go to the bank and get that in cash. It's not gonna happen. They're not gonna have enough.

[Frankie]

Maybe not that, but I'm saying back in the day that was possible maybe.

[Joey]

I mean, because it was the 80s.

[Frankie]

That people would show up smoking cigarettes, they'd be like, put this into my savings. And they would say, no problem, we are a small mom and pop bank.

[Joey]

Who.

[Frankie]

What is a big national bank? What is that? Yeah, that's why it was possible. Now it's just like, take my money and put it into this cloud of money that you're choosing. You want to do whatever the hell you want to do with. And then when I want it, you can maybe get it to me in a week.

[Joey]

I mean, I, I disagree with you're saying about the stock market. It's better to have it there than it is to have.

[Frankie]

It's a good. No, no, no. It's better to have it there. I'm not saying you're wrong. Yeah, but, like, is there one place that's like, this is the stock market. We're holding your money.

[Joey]

No, exactly.

[Frankie]

That's the point.

[Joey]

Yeah, but that's a bank, too.

[Frankie]

I know. It's stupid, too.

[Joey]

I know.

[Frankie]

Banks suck. This is what I'm saying. Like, stock market sucks. Fuck you all. How about that physical thing?

[Joey]

It's just numbers on a screen. If you turn the screen off, I don't. You don't have it.

[Frankie]

You don't have it. Isn't that crazy? And if you don't have access to it, you don't have it either.

[Joey]

Yeah.

[Frankie]

So if I take Joey's credit cards right now and I use them for whatever the hell I want, it's my money, then.

[Joey]

Yeah.

[Frankie]

So can I have them?

[Joey]

My credit card?

[Frankie]

All of them?

[Joey]

No, all of them. How many think you have?

[Frankie]

4?

[Joey]

I don't even know. I don't have many. I think I have, like, two.

[Frankie]

Say the cards.

[Joey]

3. But I think I used to read.

[Frankie]

The numbers out loud.

[Joey]

Okay.

[Frankie]

Show the. Show the. Show people.

[Joey]

Yeah.

[Frankie]

I do think that there are people, that older generation, that. That feel this call of duty to.

[Joey]

Like, roll that war.

[Frankie]

Help. Yeah. Right. To, like, help their country. So they think that the best way to do that is to Venmo also. Venmo crazy. Which is such a stupid. Like, everything that everyone complains about with our current society, with millennials and shit. Venmo delivering money to the national debt via Venmo is just such an ironic way of doing it.

[Joey]

What is the issue with Venmo?

[Frankie]

Well, like, everything that people complain about now is just like, oh, everything's online. Like, oh, social. Like, go out and touch the grass. Go out and did it. And Venmo is just. Just sending a number to another person that they get a number. And it's not like a physical thing. Yes. It's money.

[Joey]

I mean, that's. That's what I'm. This is such a funny conversation out of, like, stepping out of there for a second. That's literally what we're talking about is, like, money used to be like, here's physical things. And it feels. If it makes more sense to have physical items. If you're like, I'm trading this for that, and these have a value and whatever. But now it's like, I'm sending you numbers and you're giving me an item.

[Frankie]

Yeah.

[Joey]

Or like, sometimes I'm sending You numbers. Because you sent me a number earlier. Like, it's just numbers.

[Frankie]

I wonder if it's been like. Because I'm sure it's been discussed, but like, if there's been a term, like a phrase coined for, like, the disconnect that people have between their money and paying for goods with a credit card. Because I'll tell you right now, you mean, like, when I pay for something with cash, it feels more like it carries more weight. Like it means something more because I. I have the cash in my hand, I'm counting the cash, I'm giving the cash. But when it's numbers on a screen or it's. It's your bank account that you just see, you know the money is there when it's just like, hit a piece of plastic against a card reader and then you get your thing. Like, there has to be something that has gone into that interaction that, like, has made a bit of a disconnect. Because I am way more inclined to just be like, card, card, card. But if I have to pay for something with cash, I'm a little more like, this is what I have right now, you know, not even just limiting me to the cash in my hand, but just, like, it feels more intense.

[Joey]

Well, I think it's just. You don't have a lot of cash. It's easier to just, like, if that transaction is easier. Yeah, you're more inclined. Anything that is, like, more streamlined is like, there's less to think about.

[Frankie]

Well, I feel like if you just. You don't see the immediate, like, deduction of those funds, it is.

[Joey]

I mean, most of the country wouldn't anyway. I mean, it's credit card debt.

[Frankie]

I know, but that's what I'm saying. Like, it. I wonder if there's been a term coined to. For that. Like, that disconnect between people and their money when they. When they're not physically paying for it with cash. Because it's real for me, like, a hundred percent.

[Joey]

I'm having trouble following what is real for you.

[Frankie]

Like, I am way. It's way easier for me to pay for something with card than with cash.

[Joey]

Oh, yeah, of course. I mean, that's everybody.

[Frankie]

But I'm saying, like, I wonder what that term is, if there's been a term coined or something.

[Joey]

I don't think it's a term. I think it's just, like.

[Frankie]

It's just easier because it's quicker terms for everything, baby.

[Joey]

But, like, what is the term gonna do for you?

[Frankie]

I just wonder if it's been named If I could say I have a thing.

[Joey]

No, but I think it's just, it's, it's like I don't like what Uber does. Like, it makes it easier. It's a stream. It's streamlining, like getting a taxi. You don't have to go outside and wait and like, you know, whatever. You're more inclined to call to pay for an Uber like that, like a taxi in that way because you could just do it from your phone and it shows right up to where you are. So it's just streamlined. It makes it easier. You're more inclined to do something that feels easier. I guess.

[Frankie]

I wonder if people are more cautious to spend nowadays than they were previously in other generations.

[Joey]

Are they more cautious to spend?

[Frankie]

Yeah, and I'm not even talking about like inflation. Things are more expensive now. Like if you adjust for inflation, like the human mentality that goes into buying goods now.

[Joey]

I mean, I think that the answer would clearly be people are less frugal because of just the national credit card debt is astronomical.

[Frankie]

So you think they're more willing to spend now than they were.

[Joey]

I don't know when the credit card was kind of introduced. But like, I think that, like, because of that you can spend money and then pay it off in small increments, but then you're paying interest and you'll never, like, for a lot of the country, you're never going to be able to pay that back because you're busy paying interest. So like the national credit card debt just keeps getting bigger and bigger because it's like I can, I can afford, afford this because I can pay for it right now and get the item and I'll pay for it later. But there's no way. It's like very hard to pay back the thing.

[Frankie]

Yeah. And even, even when there's no interest. I think that's what happened with that company, Klarna. Remember Klarna or not Member? I think they're still around now, but I think they recently like said, like, we're in trouble because people are just not paying back. You know how like when you go to check out, it could say like you could pay in lump sum.

[Joey]

Yeah.

[Frankie]

Or you could pay for interest free payments of 120 bucks through Klarna.

[Joey]

Right.

[Frankie]

And apparently people with Klarna are just like not paying.

[Joey]

Yeah.

[Ant]

I mean there ex. There actually is a term, it's called the pay, the pain of pay paying or the cashless effect is what they coined it as.

[Joey]

The cashless effect.

[Frankie]

That's all I wanted to know, I got the cashless effect.

[Ant]

I think doing that is like. I think people would consider, like, Frankie math or like, boy math or something like that.

[Frankie]

What the hell was that first one?

[Joey]

Wait, what do you mean?

[Frankie]

Frankie math is legit?

[Ant]

You know, it's like you're. It's like, oh, I didn't pay for this right now, so I didn't lose anything. Math, like, that's Frankie math. It's like a.

[Frankie]

Why are we. Why are we calling this Frankie math?

[Ant]

Because you were the one doing it. Because it's.

[Frankie]

Who says I'm doing it?

[Ant]

You said you were doing it.

[Joey]

You did say that.

[Frankie]

When did I say that?

[Joey]

You literally were like, what's the term? I want to know what I have.

[Frankie]

In terms of just the feeling of not, like, knowing the weight of your payments. You're talking about, like, I don't think I'm spending money if I'm just paying for it at a later date. I am spending the money. It's not Frankie math. Frankie's good at math. Frankie did great math.

[Ant]

It's just a thing the kids are saying these days. Sorry, guys.

[Joey]

I know the term girl math.

[Frankie]

I've heard that term.

[Ant]

But he was Frankie and not a girl, so I just called it Frankie.

[Joey]

Right, Got it.

[Ant]

Frankie's good at math. I'm kidding.

[Frankie]

Yeah, I got to calculus. Four differential equations. But yeah, I mean, I'm not. Be honest. Will you be like, a petty and like, Venmo. The. The government? Like, a penny?

[Joey]

Why would I do that?

[Frankie]

Show them who's boss.

[Joey]

They're not going to see it.

[Frankie]

Yeah, they will.

[Joey]

Nope.

[Frankie]

How many people you think have actually Venmoed the government?

[Joey]

I think probably a decent amount. I think they're doing and, like, maybe some people have, like, a good interest in mind, but, like, I'm not falling for this shit.

[Frankie]

It's not.

[Joey]

Get me, bro.

[Frankie]

I don't know what number Ant could say if he's looking up how much they've paid, that would even make me go like, wow, good for them. Because even in the grand scheme of things, even if it's a million, a hundred million dollars, it doesn't mean anything. Because of the national debt.

[Joey]

No. And also, like, fuck off. Like, it's your debt. Why am I paying it?

[Frankie]

I mean, I'm sure in theory they're gonna defend it as being ours because they were. Those decisions were made by the elected officials that we elected and you elected with your vote, and your contribution is okay.

[Joey]

But we didn't bankrupt the country. You did that.

[Frankie]

That's right.

[Joey]

Like fucking. How is that our fault?

[Ant]

The numbers are a little tricky, but what I'm getting is people have venmoed 2.7 million in gifts to pay the debt.

[Joey]

Bananas, dude.

[Frankie]

I. I have an idea that's also.

[Joey]

Lower than I thought it would be.

[Frankie]

No, that's about where I thought it was. Honestly.

[Ant]

The Venmoing specifically. It hasn't been around that long.

[Frankie]

Yeah, it's been. It's been like a week. I'm just going to say this. I will get you a Venmo account that you can Venmo to. To get rid of some national debt. If the profile picture just happens to look like me, whatever. But you can Venmo if we get to. I think they said that account specifically said if we get to a million.

[Joey]

Dollars, do not rob our viewers.

[Frankie]

You son of a. I'm not robbing anyone. This is for the government, dude. You don't want to help the government.

[Joey]

You're hoodwinking.

[Frankie]

You don't want to be a patriot.

[Joey]

A patriot.

[Frankie]

You don't want to. You know, this country has given you every single thing that you have. Everything that you have has come from. Oh, see, this country and the people that have made it up. Can you see? So you. You owe a huge debt to the people that have made up this country. Early Light and the people that are in their position of power. But so proudly we hailed. So what I need you to do, Joey, is open up your checkbook at the twilight last gleaming. Is that it? You need to. You need to stand proud, chest up, chin to the sky. Because the American people need your help. And you can Venmo them at my Venmo. And I'll help them.

[Joey]

I really would like to know what happens when we pay off the debt. Like, what happens?

[Frankie]

Do we have a big party?

[Joey]

We should.

[Frankie]

It's never going. I'm letting you know it's never going to happen.

[Joey]

You telling me we spent 38 trillion and like, people can't afford to live. So what if we pay off the 38 trillion? We're trusting the same people to not put us back in the same. Like, what are we. What are you expecting to happen?

[Frankie]

I didn't think we were. If we. If I knew we were going to get this intensely political, I would have brought some fucking.

[Joey]

I just don't get it. I just don't get what happens. I mean, you spend $38 trillion.

[Frankie]

Well, this is not just like today they spent it. I'm aware of that.

[Joey]

But like, you spent $38 trillion. And then like what? Like, I know a lot of it is military spending and I mean spend like triple the amount of anyone else. Like whoever is in second place. I think China.

[Frankie]

But like, I'd love to hear those phone calls where they're just like, hey, China, 38 trillions of.

[Joey]

Like I said, it's a fairy tale number. Like you're just spending that is made up and will never get paid back. Like they know it too. Whatever people are doing to Klarna is what our government is doing to whoever else we owe. No one's paying that and no one cares.

[Frankie]

Joey's spitting facts. Like I said, if I knew we were getting this intensely political, I would have started writing down some smarter things to say.

[Joey]

Some smarter things to say. You know what? We do have some sponsors. Let's jump into that real quick. Which is now that's funny. But Anyway, we have ZocDoc here. ZocDoc is a free app and website where you can search and compare high quality and network doctors and click instantly to book an appointment. So this is what I was using before they were a sponsor of the show. But, you know, it's hard to figure out which doctors take your insurance. So ZocDoc makes that very easy. Whatever doctor you need, if you need dental work, you need a dermatologist, you need a primary care physician. You go on, you put in your insurance and then you put in your area. It will show you the doctors in your area that take your insurance and their next available appointments. And usually it's within 48 hours. So it's a pretty quick turnaround. So it's a great tool to find the doctors that take your insurance so that you don't have to like come out of pocket for those things. But you can go check out Zocdoc and it's spelled Zocdoc.com basement and yeah, go check it out for sure. And like I said, I've used this before. I still use it if I have to go to, I want to go see a dermatologist soon. I haven't been in like two years. But you know, I'll, I'll use Zocdoc to find a dermatologist in my area so I can see who takes my insurance and go to them. And these are all also patient reviewed so you can see a score. So if they have a good score, you know you're going to a good doctor and people have good experiences with them. So, you know, go check it out. We also have BetterHelp, Better Help is the sponsor of this show. It is online therapy. I've said this many times before, but, you know, I've been in therapy for years now. I think it's very helpful and I think for. For anyone out there that, you know, feels like they want to try to get into therapy or they've heard about it and, you know, haven't really got around to it, you can use this as your sign. Dip your toe in. All right, come to BetterHelp because they're a fraction of the price of in person therapy, which is very expensive, especially, you know, because a lot of them don't take insurance, honestly. And the app has a 4.9 out of 5 star rating with over 1.7 million client reviews. So a lot of people use it, a lot of people like it. They have trusted therapists there as well. You can save 10% off your first [e-mail] basementyard. So that is B E T T E R h e l p.combaseMyard Save that 10% off of your first month.

[Frankie]

Yeah, that's a great idea. I have another great idea for you in a little bit of a different vein. It's called Patreon, folks. Patreon.com basementyard okay, listen, whatever journey you're on, health, wealth, physical, emotional, mental, let the basement yard be a part of that, okay? So go to patreon.com the basement yard. You sign up today, you get these weekly episodes one week in advance. And then that second tier, if you sign up for that second tier, you get exclusive episodes every single Friday. You could start and end your week with the basement boys. All of our crazy shenanigans, our little fun stuff that we do, okay? You want to be a part of it. You want to be in on the conversation, the jokes, all the clips, and then, you know, you get to see them and laugh and hopefully, hopefully you laugh. Hopefully you like it. And if you want to save yourself a couple bucks so you can have money to spend elsewhere, go to patreon.com thebasementyard on a browser. On a web browser. Okay? Whatever web browser you use, if you use the apps on either of the app stores that I understand exist, they're gonna charge you a little extra money, okay? So if you want to avoid getting charged extra, put a little couple bucks back in your pocket, go to patreon.com thebasemanyard and sign up today. Thank you guys for getting US to over 34,000. It's unbelievable. UN. Unreal. The love and support we feel. It all the time. And we are so appreciative, and we thank you for that. Also, we're in the middle of our tour. Oh. So if you're coming to any of our future shows, why don't you go to the basementyard.com submit. First of all, if you go to the basementyard.com check out the shows that are still available. Okay. That we haven't done yet. All right. There's some in there that you might be able to buy tickets to still. I'm not sure. You're gonna have to check it out. You want to make a day out of it, a weekend out of it, a couple days out of it, whatever you want to do. Go check out those tickets@the basementyard.com and then if you are coming to any of those shows, you go to thebasemayard.com submit. Okay. There's a portion of our show that we'd like it to be interactive. We talk to you about you, with you, if you choose to let us know that you're there. But that's where we ask you guys to submit funny stories, interesting facts, anything that might be worth conversating with us at these shows. So go check it out@the basementyard.com submit. Okay. And let's get back to this episode. All right, now. Now, Josh, what you do is I'm gonna go like this, and when I do that, just cut to Joey. But, like, put like, a cool, like a graphic in between me, like, doing that so it looks like I threw the camera. You ready? All right, back to the episode.

[Joey]

Anyway, you had.

[Frankie]

You had something geared up, ready to go before he started the ads. Do you remember what it was or is it gone?

[Ant]

Oh, I was. You. I just refreshed my whole.

[Frankie]

Like, it's gone on the economy.

[Ant]

It just brought everything back.

[Frankie]

So you were. Now you were a finance major, right?

[Ant]

Yeah. So am.

[Frankie]

AM.

[Joey]

It never goes away, dude.

[Ant]

Yeah, it sticks with.

[Frankie]

You are a finance. Well, like, I'm not now still. Like, I'm not in school, so I'm not still a criminal.

[Joey]

You have a degree, though.

[Frankie]

Yeah, but I like. You were a finance major. You got your degree in it.

[Joey]

Semantics.

[Ant]

Sure, I get it.

[Frankie]

Okay. What do you think about this? Do you think there's any reality that we ever get out of this national debt?

[Ant]

Well, the. The debts attached to our treasury bonds, our treasury bonds, interest rates attached to the mortgage rate. If that goes away, I don't know, everything kind of collapses. So there's. There's such thing as too little debt as, well.

[Joey]

Technically, yeah. I, I mean I also don't think like, we're, we're like what?

[Frankie]

I didn't know that. I've never, I've never heard of that before in my entire life.

[Joey]

I also don't think there's like an immediate reason to like pay off the debt. I don't think that does anything.

[Frankie]

So wait, so if we get completely out of our national debt, the country's financial system will basically collapse.

[Ant]

We'll adjust. But yes, technically it would be a very scary time for a little bit. For a little bit.

[Frankie]

Well, why though? Why? See that's what's fucking the cyclical nature of this bullshit. Now I'm going to get political.

[Joey]

Okay.

[Frankie]

Is they want us to be afraid. That's it. That's all I got.

[Joey]

Honestly, we're running on interest. That's crazy how everyone makes money.

[Frankie]

I know. It's still crazy.

[Joey]

No, I know. I mean it's a fucking. That's why I'm saying it's. The thing is it's such a joke and honestly, ballsy move to be like, oh, you can venmo to whatever. It's like, what are you asking? Like you're not even going to pay this back. Clearly you guys have no interest in paying back the trillions of dollars, which is again a fucking made up number. Now you're asking people in a country who don't have money to help pay off a number you have no interest in paying off. What are we doing? Like that's literally just robbing the poor.

[Frankie]

Yeah.

[Joey]

It's insane.

[Frankie]

Yeah.

[Joey]

It's like tricking like a, like a homeless person would be like, hey, give me 10 cents because of, you know, whatever.

[Frankie]

Is there, are there any other countries that have, I'm sure there are countries that have national debt as much as us. Are there any countries that are in the green where like they are just making like they have made more money than they have owed?

[Joey]

I honestly don't know the answer to that. But I, I feel like I don't even know that it would be like beneficial for you to like not be in some sort of debt. You have to be spending money and like upgrading your systems and infrastructure.

[Frankie]

Yeah. But like 30 spend the money you have. That's, that's what I'm confused about is like this is, this is a level of like finance bro talk that is completely lost on me.

[Joey]

Yeah.

[Frankie]

Where it's like, I'm like, if you have the money, spend some of the money, have enough money to have left over. Not like spend it all your money is you have negative amount of funds, and it's all doing something. And it's like, I. Dad, and I'm dead serious when I say this. That makes no sense to me. Maybe it's because I just don't have the knowledge of it at the moment. But, like, I just. I don't understand that.

[Joey]

Yeah, I mean, it's. It's. It's confusing, but, like, there's a lot of companies that just are not profitable.

[Frankie]

And that's, I guess, one of the reasons why I'm not a CEO of one of these major companies.

[Joey]

Yeah, I mean, that's not the only reason. But, like, debt is good in certain instances. There are people who, like, I've seen some guys online be like, they don't believe in debt. They don't use credit cards, which is like. But like, sort of a hot take.

[Frankie]

I understand. Like, real estate. Okay.

[Joey]

Because technically you don't have the money.

[Frankie]

You don't. But, like, for instance, if I buy a house for $500,000 and I only put 250 down, in theory, I'm in debt for that. 250.

[Joey]

Yeah. That would be insane.

[Frankie]

I know. I. Yes, it would. I'm just using roundabout numbers to just help explain it a little better. But, like, every. You're paying into yourself, you're not paying into getting the debt down. So, like, what. You're not, like, you're putting. You're basically putting money into a piggy bank.

[Joey]

Okay.

[Frankie]

With that house. That's the only place I understand it. Where other people are just like, I have no money in my bank accounts, but I'm living lavishly. And it's like. So then how. Like, you don't have the money? Like that I don't understand. Like, how are people. Honestly.

[Joey]

Yeah.

[Frankie]

If you have $50 million in Bitcoin, you don't have it in your hands. How are you rich? Because you have it in an asset. I get that. But you don't have it to use right now, so.

[Ant]

Liquidity question.

[Joey]

Yeah, I think so.

[Frankie]

See, I don't even know what I'm asking.

[Joey]

I mean, if you have. If you only have assets, like, people aren't living off of that, you need to have it in some way, or you can go and get a loan for that and, like, take money out on your money, which is something that you can do, but you would pay an interest on that as well.

[Frankie]

Yeah.

[Ant]

You could put your assets up for collateral. You get a loan.

[Joey]

Yeah. So it's like, I have an asset.

[Frankie]

So you can Go. Then you're a double debt. Because if you. Now, now you have a loan, but you're putting your assets up to get a loan, so now you still don't have the money and now you have a loan. So now it's double debt.

[Joey]

No, double, dude.

[Ant]

So that's how you're using it, as money.

[Joey]

Yeah.

[Frankie]

Still doesn't make sense to me.

[Joey]

But like, think about this, right? If you.

[Frankie]

Guys, guys, you're trying to explain this to me and I don't have the capacity for.

[Joey]

Well, I'm just saying, like, if you have an asset, right, that's a million dollars, but you have no cash, you can go and be like, I have an. A million dollar asset that. So give me a million dollars cash. So they'll say, okay, because if you can't pay back that a million dollars by whatever, you know, terms, they'll just take your house as collateral because they'll get the millionaire. But then you have nothing. Huh?

[Frankie]

But then you have nothing, right?

[Joey]

I mean, you're banking on that not happening. But like, you can have the house and you can have the million dollars cash.

[Frankie]

This all seems pretty stupid and I think obviously we can go back and we can blame Alexander Hamilton because he was the founder, basically. And constructor. Is that a word?

[Joey]

Constructor?

[Frankie]

Constructor. There is a word, right?

[Joey]

What are you asking?

[Frankie]

He's the one that made the financial system, like our country's financial system.

[Joey]

The creator.

[Frankie]

Yeah, that. It.

[Joey]

He constructed it.

[Frankie]

He constructed our country's financial system. So like I just. Hey, Alexander Hamilton or any of your descendants that are listening, first of all, see the show. It's pretty good. So I've heard. I've never seen it like in person. I've watched it.

[Joey]

Do you have any debt?

[Frankie]

No, I got the house.

[Ant]

Oh yeah, yeah.

[Frankie]

Some cars.

[Joey]

Some cars.

[Ant]

I gotta.

[Frankie]

I mean, we have two cars. The way you said it was like cars got six cars. But I stand by like, I'm. I would be the type of person that'd be like, how much is this car? Here's the full amount. Now I know it might be a stupid financial thing to do.

[Joey]

Yeah.

[Frankie]

But it just feels like the smarter of the two options.

[Joey]

Well, you also understand, so like with the, with the stock market as well, if you take money and you, let's say your, your house, you're like, I'm just gonna pay for this house in cash, right. And let's say the house is a million dollars. So you're like, I'm just gonna pay a million dollars cash. And you have like, I don't know, $1.5 million. Right. So you're like, I'm just gonna pay for the house in cash now. You have $500,000 in, in your bank account and this house is completely paid off. You can get a mortgage, which isn't bad, it's debt technically. But if you still have like a down payment on a million dollar house is like 200 grand or 250, something like that, 20 or 25%, you can have, what did I say? 1.5. So you would have $750,000. Right. You could, instead of putting the house and having it paid off and only having 500, you can put 700 into the market, which will make money. Oh, I could technically pay for your house.

[Frankie]

I get that, I get that. But if I pay the million in my house right now, that's a million it's paid. Okay. If I wait put money in the market, the interest that it accrues, I'm gonna be paying more than a million dollars. Right. So like just pay the million now. But the, the idea, let's make this an even like smaller number so I don't fucking bash my head against the desk. $100?

[Joey]

Yep.

[Frankie]

Pay $100 now or pay $50 with a 5% interest rate and have to pay whatever the difference is at a later point, which will be more than the hundred dollars would have been up front.

[Joey]

The idea is that if you get a 30 year mortgage, which most people do, you will make more money if you have more cash in the market. Historically that is the case.

[Frankie]

Yes. Historically. I think it's stupid though.

[Joey]

But you would have more money. How's that dumb?

[Frankie]

Because I'd rather pay the money right now if I have the ability to pay it. And then just whatever money I have left over let that do its trick.

[Joey]

Right.

[Frankie]

Instead of putting more into the market. Because then I have to pay for this thing over here.

[Joey]

What's this thing?

[Frankie]

The house. Yeah, I don't like that.

[Joey]

But you would, but, but you would ha. You would still have the money. You still have the million dollar house. Because let's say you put the million dollars down and it's like, that's a million dollars. Boom, you're done.

[Frankie]

Also, you know what grows significantly more than the stock market? Real estate market, baby.

[Joey]

I mean, that's not always true.

[Frankie]

I mean, over the last couple years it has been.

[Joey]

Yeah, but you could have both.

[Frankie]

I don't want to have my cake and eat it too. I want to have a cake that I can look at and really appreciate.

[Joey]

Okay, but, but you're. But this is what I'm saying. Like if you put 250 into the house or the a million, you, if you turn around in a year and sell it, you get the same amount.

[Frankie]

Mm, mm.

[Joey]

You get the same amount.

[Frankie]

No, because the house will be more expensive in a year.

[Joey]

Exactly. But you would, that would still be the end amount. Like the bank would just get more of the money. But whatever you would make on it, you would, you would. It would be.

[Frankie]

I guess I operate in the mentality of like, I have the money now, pay for the thing now.

[Joey]

Right.

[Frankie]

And then whatever happens in the future, like it's a, it's an added bonus.

[Joey]

Right.

[Ant]

It's just a, it's a risk adverse mentality. Like it's.

[Frankie]

I don't like risk. Is.

[Joey]

It's fair.

[Frankie]

I guess I don't like risk. Is.

[Joey]

It's like not a risk though. I mean, it's a very short term risk. It's not a long term risk.

[Frankie]

It is a risk by definition, but in execution it is proved to not be a risk.

[Joey]

Okay, but if it's never a risk in the long term, but it is.

[Frankie]

Technically still a risk.

[Joey]

Okay.

[Ant]

That's why like a lot of billionaires, you're like, oh, you have a mortgage. Why don't you just buy the house? Because they just don't like their money tied up. They could put it elsewhere and it.

[Joey]

Could make money and it could have.

[Frankie]

Just when you're a billionaire.

[Ant]

No, but I'm saying, like.

[Joey]

But anybody on a smaller scale, it still makes sense.

[Frankie]

Listen, I am fully acknowledging that I like, I know this stuff. We've talked about this extensively. Like, I just bought a house. Like, I get, I get all this. I just think it's stupid. I just think it.

[Joey]

But you get free money for having money.

[Frankie]

I think it's stupid that I need to like that it needs to be this complicated to understand. And that is about so much of our country right now. Oh, see, there is so much. Can you see that the normal people in our country, hard working men and women that need to put themselves. They can't just go about their lives and understand something. They need these advanced degrees and technicalities and blah, blah, blah. What's so proud.

[Joey]

That's why I'm like, why can't we.

[Frankie]

Just be a simple country that loves its people? Joey.

[Joey]

Because what you're. But, but I think that it's important to like say this because I do think that investing is an important thing for people. To do. And unfortunately if you. I was lucky that I had a brother who was in finance and kind of explained these things to me and I, I got like, you know, I was able to learn like that. But a lot of people go a lot of their life, you know, especially in this country, not making enough to even be able to invest. And that's like a luxury to be in a position to be able to do that. But if you have the money and you can invest like it's an important thing because even if you, most people don't have the amount of cash to make a down payment on a sizable house. But if you're investing your money like little by little over time, that is very helpful in the future instead of just tying up all your money into like one asset that could potentially like that to me sounds like a risk if there is a crash. Sure thing.

[Frankie]

Like, sure. It's important to invest Fully agree, fully agree. You know, I invest like, you know like I am on board with that and I fully like, I hope that people, if they do get that luxury, do that. I, and I'm tying this back to what I said originally. It is kind of fucking evil that like the way it is designed now is like, no, don't put your money in a bank where it can gain interest because the bank does better and you do better put it in this thing, this cloud where we could play with it and we can have some of it and we'll give you some too if it does well.

[Joey]

I mean, I don't think that's evil. I think it's evil to make people feel like keep your money in the bank because you don't make interest.

[Frankie]

But it used to be that way. That's what I'm saying. It used to interest rate like interest bearing savings accounts back in the day used to have like high yield interest rates. Yeah, I'm saying like now they're not because, and there, there have been economists that have said it's been because of the growth, consistent and massive growth of the stock market that people have that, that banks and you know, they have stopped giving high interest bearing savings accounts because they want you to put your money in this other thing. I think that's a little, in my opinion, a little predatory. Sure, they might make some money doing it, but I don't know, it feels like instead of having the money that you've earned and like keep it in this thing where it's safe and it'll make money, go put it in a risky thing where it could make Money, but also it could lose some money. I just, I don't, I don't. That, that to me is a little freaky.

[Joey]

You're so, you're. Well, you're positioning yourself by saying like, don't invest.

[Frankie]

No, I'm saying I think it's, I think that's the way it is. It's responsible now to invest. Like that is a responsible financial decision that you should make if you get the opportunity to. I just think that the idea of like saying we're not like basically devaluing interest bearing savings accounts and overvaluing the risk because even though you say it's not a risk, it is still a risk of putting your money in the market. I think that's a little.

[Ant]

In doing that, you're also like adding an extra like unfair education barrier that someone has like nowhere to put their money instead of just an easy bingo bang again. I get that. Yeah. But like, if you're like fortunate enough to know these things, like.

[Frankie]

Yeah, but guess what, you need to be on top of working super hard, you know, like, let's look at like middle America, like working class. And on top of working hard to make the money, then they need to educate themselves on this stuff. Then they need to. Or they pay for someone to do that for them.

[Joey]

Yeah, you pay like a, like a.

[Frankie]

Like a brokerage fee. Yeah, like that's, that's, that's a lot, you know, And I think that, I.

[Joey]

Mean in the, in the grand scheme of things, giving 1% to a financial advisor and potentially making 6 to 10% a year is worth it. It's more money than you would have had.

[Frankie]

I fully agree. I'm just saying that having got to that point from where it came from, where people used to be able to take the money that they earned and let it make its own money by sitting in an interest bearing savings account. I just think like, I mean there.

[Joey]

Is, you can do bonds and they're like a guaranteed 4% or some.

[Frankie]

Yeah, like CD, CD accounts and stuff like that.

[Joey]

But there are ways that you can do that. And those are technically the market.

[Ant]

And you know what?

[Frankie]

Those are tied to the national, bro.

[Ant]

Can't get rid of it.

[Joey]

Yeah, Ain't going nowhere.

[Ant]

Also, some people just trying to buy some Cheerios, you know, Some people just trying to buy Cheerios.

[Frankie]

Unlucky charms.

[Ant]

Frosted Flakes?

[Frankie]

Hell yeah. Frosted Flakes. I had the saddest bowl of Frosted Flakes the other day.

[Joey]

Sad.

[Frankie]

You were there.

[Joey]

Oh yeah.

[Frankie]

It was such a. Just a limp dick bowl of Frosted Flakes, bro.

[Joey]

This hotel had a bet. They were like, oh, breakfast in the morning. We went downstairs. Frank was already there, and he looked miserable. He was the only one in the place. And then it was two pots of coffee.

[Frankie]

Then there was a carafe of hot water.

[Joey]

A carafe of hot water and some tea. Then there was the hardest bagels I've ever seen in my entire life. There was some cups of oatmeal and then a small fridge that had frozen, like, egg sandwiches. I was like, I'm not eating.

[Frankie]

You're also bearing the lead here. There were three things of cereal dispensers.

[Joey]

Oh, right.

[Frankie]

Which it was. I actually gotta say, the cereal choices weren't bad. Frosted Flakes, Apple Jacks, and a Raisin Bran Crunch, which Greg put in a cup and ate dry, which crazy. And then a bowl of green apples, not red apples. And you would think the other fruit that they would have would be bananas, right? It was like green oranges. They were very unripe.

[Joey]

Oh. I was like, what? But, yeah, it was. It was. It was kind of fucked. But, you know, it is what it is. We have more sponsors for this episode here. We have prize picks. Okay. Prize picks, simple to play. You just. Just pick more or less when it comes to sports. Okay. So the, you know, the NFL season is kind of almost here in a way. We got like a month ago and before we're there. But someone like Saquon Barkley, okay, is he gonna have more or less than, you know, 82 yards or something in a game? You could do futures. Also, is he going to have more or less than, like, 1500 yards this season? Something like that. And you create lineups like this with a. With a couple of those things, and you can win up to 2,000 times your money. Okay. And just perked up about that. There you go. But, yeah, they put their members first, so withdrawals are fast, safe and secure. It offers venmo, Apple Pay, MasterCard, and more quick and easy deposits into your account this football season. But, yeah, so you can download the Price Picks app today and use the code basement to get $50 in lineups after you play your first $5 lineup. That's code basement to get $50 in lineups AFTER you play your first $5 lineup lineup. Prize picks, run your game. And yeah, I've played this before. I definitely, like, play it with. If you have money that you have some expendable income and you just want to have a little fun during the football season, don't go insane. But like, you know, the prize picks thing, it's cool. You pay $5 lineup, get the $50 and you can kind of have a little fun during the football season. So yeah, enjoy that. Price Picks. And lastly here we have Hungry Root. Hungry Root Love this thing. It's like having your own personal shopper. So I've used it before. It's awesome. They take care of the weekly grocery shopping. They recommend like healthy groceries tailored to your taste, your nutritional preferences. You know, if you have some sort of allergy or you're trying to do like low carb or some sort of specific diet plan, they will do that as well. They make it easy to get high quality nutritious food and they have great options for the whole family with healthy groceries. They have smoothies, they have, you know, kids snacks, sweets, even ready to eat meals, salad kits, stuff like that. There's no high fructose corn syrup, artificial sweeteners or preservatives in any of Hungry Roots food. So they try to keep it as healthy as possible for people. And yeah, you're gonna love it as much as I do. Take advantage of the exclusive offer. For a limited time, you get 40% off of your first box. Plus get a free item in every box for life. Go to hungryroot.com basement and use the code basement. That is hungryroot.com basement and the code is basement. To get 40% off your first box and a free item of your Choice for Life. Hungryroot.com Basement code is basement, folks. There you go. This has been a long episode about finance, huh?

[Frankie]

Yeah. Oh, I know. I see that. Joe is going to be a finance. I mean, we're the Finance Bros. That's what I think the title of this episode needs to be, right?

[Joey]

The Finance Bros. We're Finance Bros. We're Finance Froze.

[Frankie]

We're Finance Bros. And it's like you as Gordon Gekko, like, selling the money.

[Joey]

I know that name, but I don't.

[Frankie]

Know how that is from the movie Wall street played by Michael Douglas. Oh, and then me as Jordan Belfort.

[Joey]

Could have picked anyone else.

[Frankie]

See, only two finance Bros I could think of. Who else is a finance bro?

[Joey]

Amp, apparently.

[Ant]

Damn, I know nothing.

[Frankie]

Do you. Did you ever have one of those shirts that it's like the collar is a different color than the rest of the shirt. You know what I'm talking about? Like those like button up shirts. No, it'll be like blue and white pinstripes and then the collar is just solid white and they're just like, oh, my God. I got to get back to the office. I got trade, trade, trade today.

[Ant]

Frankie, I'm here with you.

[Frankie]

Yeah, I, like, want to go and be like a Wal street trader.

[Ant]

I tried. Well, I went through the interview process and I was like, oh, God, is.

[Frankie]

It like you're trying to be a trader?

[Ant]

Well, I didn't like that, but yeah, trader.

[Frankie]

You're trying to be a trader, huh?

[Joey]

No, I wasn't saying, like treason. I was saying.

[Ant]

Yeah, well, yeah, essentially financial analyst.

[Joey]

Got it.

[Frankie]

Oh, so you were trying to analyze the finances.

[Ant]

It's got to slip in there somewhere.

[Frankie]

Yeah, you saw, it was right there.

[Joey]

You know, it goes.

[Frankie]

So like, did you know anyone. Do you know anyone that has done it?

[Ant]

A couple of my friends, like, from there.

[Frankie]

But I imagine it's like, oh, it's, it's the 2000 and twenties now, so it's not as intense. But like in like the early 2000s, it was like, what was on, like, Wolf of Wall street, where it was just like drugs and steaks at noon. And martinis. Martinis. And then trade, trade, trade, trade.

[Joey]

Escort, escort, escort.

[Frankie]

I imagine that's what it was like.

[Joey]

Yeah, I mean, I think that it's still some of those things. Probably steaks and martinis in the middle of the day. You ever go to Capitol grill at like 2pm fucking filled with dudes with vests?

[Frankie]

I've never been to Capitol Grill. The midtown uniform, as I've heard it's been referred to as. It's like the long, like, sleeve shirt rolled up with the Patagonia vest. Yeah, you know. Yeah, not for me. I did like getting dressed up, though, so.

[Joey]

You liked getting dressed up for work?

[Frankie]

Yeah.

[Joey]

What job are you referring to?

[Frankie]

Any job I had, I liked, like, except for this one. I guess I would. Target collared shirt.

[Joey]

The red one?

[Frankie]

Yeah, red collared shirt.

[Joey]

You like a uniform?

[Frankie]

Kinda. It honestly makes things a little bit easier. Like, I used to be one of those people. Just like, it's so restrictive. But like, if I worked somewhere and it was like, yo, you have to wear this every day. It would kind of be nice.

[Joey]

So you would, like, enjoy like a Catholic high school.

[Frankie]

Because maybe my. Maybe in my, like, older age.

[Joey]

Yeah, yeah.

[Frankie]

Like, if I was like my current.

[Joey]

Age in high school.

[Frankie]

That's a weird. I mean, like, just like the idea of, like, you don't need to wake up and be like, scrambled for, like, figuring out what to wear. Not that I do that now, but like, I could see like, people that wake up and they're like, oh, fuck I need to be in work today at 9am and they're like, what do I wear?

[Joey]

Honestly, my high school, it was a pretty good deal. Like it was a Catholic high school with a uniform, but they gave you like a bunch of options and it was just a polo. So like if I had to do a tie every day, my God, it.

[Frankie]

Was a blue polo.

[Joey]

It was blue. It was black.

[Frankie]

Sfp. Red. Sfp.

[Joey]

Which shirt did you always wear?

[Ant]

Blue.

[Joey]

Navy. The navy.

[Frankie]

There were white ones too, right?

[Joey]

It was white. I never wore white. No one wore white.

[Frankie]

Shit. Okay, sorry.

[Joey]

Yeah, no one wore the white one.

[Ant]

His senior year he was allowed to wear like hoodies and stuff. Yeah, it got rid of that right away.

[Joey]

Really?

[Ant]

I think they ruined it.

[Frankie]

Well, I remember because I, I dated a girl that was in our grade at your school and they took away girls ability to wear skirts because.

[Joey]

Yeah, they got rid of skirts because they said girls were like making them too short. So now the girls were in, they.

[Frankie]

Were in khaki pants and slacks.

[Joey]

Yeah, like. Yeah, and the same things that we would wear. We had the same uniform.

[Frankie]

Yeah, that's right. I remember that.

[Joey]

But you had options. So you had different color pants, different color shirts.

[Frankie]

Could you wear any shoes that you wanted or did it have to be like loafers?

[Joey]

They had to be black.

[Frankie]

Oh, so like people could show up in like black Jordans or something.

[Joey]

I don't could that.

[Ant]

As long as they were all black.

[Frankie]

Yeah, no, no, like red streak through it or something like that.

[Joey]

I think if it was like slight then maybe you'd get away with it. Depending on what year you were.

[Frankie]

And then what happened when you get detention?

[Joey]

They would. What would they do?

[Ant]

Written up.

[Joey]

Yeah.

[Ant]

You're warning the tensions. It depends. It depends what mood they were in. Honestly.

[Joey]

Yeah, sometimes. Did you guys have the dude who had the radio? Yeah, yeah, that guy. What the was his name?

[Ant]

Oh, I don't know. I don't, I didn't know any of the names.

[Frankie]

The only like thing I really remember was we weren't allowed to wear hats in school. Yeah, you can't.

[Joey]

Yeah, I mean, yeah, I mean you can't.

[Frankie]

Can I ask you a serious question though?

[Joey]

Why would you wear a hat in a restaurant? Yeah, like a nice restaurant. You'd wear a hat.

[Frankie]

A nice restaurant? No, but it was a school. It was Bryant High School.

[Joey]

Why would you.

[Frankie]

Who the hell is attributing Bryant High School to a fucking three star Michelin restaurant?

[Joey]

But it's the same. That's, that's the reason. Like for whatever reason, people have decided like, wearing hats in places.

[Frankie]

Dude, there were people fucking sucking each other off in this stairwell. I can't wear a hat.

[Joey]

I agree.

[Frankie]

Oh, no, I'm offending you by showing my, you know, affiliation with the New York Yankees fan base. But fucking, you know, Stephanie and Marcelo are in the corner and they're playing jerk off with each other. I'm the issue.

[Joey]

Playing jerk off? Yeah. I think it's just like they're trying to keep it, like, I don't know.

[Frankie]

Cuz all that. You know what it was.

[Joey]

People have a generation too. Like everywhere they take their hat off. Like when they walk into a place, I won't. Like, even if they're hopping into a coffee shop real quick, take the hat off.

[Frankie]

That's. That's such a. Like 19. 1940s. Yeah. Like they. Because they wore their rain hat and they'd be like, yeah, you know, and it's like, dude, just. It just. It's okay. I'm not offended by you wearing a hat here.

[Joey]

It is a strange thing to have started.

[Ant]

Some people like making rules just so people follow them.

[Frankie]

Yeah, that's exactly what it is. Because there's no reason that a hat offends anybody. Unless the hat says like, suck me twice on a 14th Wednesday or something.

[Joey]

Like, what could that possibly mean?

[Frankie]

I don't know. But you know what I'm saying.

[Joey]

I think it was more. It wasn't offensive. It was more of like, it's the gentlemanly thing to do. Yeah.

[Frankie]

To remove your hat.

[Joey]

Yeah, I guess. I mean, we're doing it like when you do the before sports games, like, you take your hat off. Yeah.

[Frankie]

I don't. I don't take your hat off. I do take it off every single time.

[Joey]

Yeah.

[Frankie]

I don't get it.

[Joey]

Yeah. It's just something we've kind of decided. It's like.

[Frankie]

It's just a weird thing to say. Is like a sign of respect. Yeah, that's just a weird thing to be.

[Joey]

I mean, everything is kind of weird when you think about it. Like, shaking hands is a sign of respect. It's like, why did we pick that? It could have been anything else.

[Frankie]

I agree. I mean, you know, the Japanese do the bow.

[Joey]

The bow.

[Frankie]

I feel like it's way more respectful than to shake it out. I want to like.

[Joey]

I mean, am I allowed to bow?

[Frankie]

That's a great question.

[Joey]

If I have to bow when you're.

[Frankie]

In Japan, if I, If, If I were to be in that setting, I'm bowing.

[Joey]

You got about.

[Frankie]

I'm bowing because I'm not gonna be the guy that does the dirty American handshake thing.

[Joey]

Dirty American handshake. I think bowing, hopefully, that makes its way.

[Frankie]

I get so amped when I see, like, two Japanese baseball players that, like, respect each other so much, and they have, like, a bow off.

[Joey]

They go back and forth.

[Frankie]

They're just like, oh, my God. Like, I'm so. And I'm just. I like. I love seeing that sign of respect from then that I like.

[Joey]

Yeah.

[Frankie]

You know, I don't care about our signs of respect.

[Joey]

How do you feel about handshakes?

[Frankie]

They're fine. Needless.

[Joey]

Needless.

[Frankie]

Yeah.

[Joey]

I think there should be some sort of touch.

[Ant]

Do you like when you feel a handshake, a new person like, damn, I messed that up?

[Frankie]

No, I've never messed up a handshake.

[Joey]

I will say some dudes get a little crazy with the handshakes when you're gonna squeeze my hand as hard as you want because you think you're like, I'm so mad. Like, you're a loser.

[Frankie]

Sorry.

[Joey]

Just shake my.

[Frankie]

That's not me. No, that's not me at all. I. I am a very, like, no, no, no, that's not me. I'm. I'm all business with a handshake. Hey, how you doing? And that's it. But, like, the people that do, like, the. Yeah, like, they roll, like, you're like, knuckles. Like, I'm not even.

[Joey]

I mean, that obviously is like, those people should be shot. But, like, it's people, like, who just go in. It's like, they're making it a point. It's like, oh, real firm. I also think that the dead hand is, like, ridiculous also, but Dead hand.

[Frankie]

Is this the worst one I've ever gotten? Is this. I've had people do that where I go to shake their hand, and they go like that, and I, like, shake this.

[Joey]

Like, men or women?

[Frankie]

Men.

[Joey]

Men go, yeah.

[Frankie]

I call them the squids.

[Joey]

Squids. Yeah.

[Frankie]

I have a. I have a. I have a cute little slur for them.

[Joey]

Yeah, right? I don't know that I would even shake that. I'd be like, what are you doing? Am I supposed to kiss this thing?

[Frankie]

You know what? Next person or if anyone ever does that to you, do that, kiss it.

[Joey]

I'm good. I'm not kissing people's hands. Don't even put my hands in my mouth.

[Ant]

There was a time, like, a plumber came through the house, and we shook hands, and mine, like, he caught here, and it was like this. We got to do it again.

[Joey]

Oh, you said, yeah, you got to restart. Yeah, we got to do it again. Yeah, dude. The worst is when you go in for, like, a handshake and they're going bump, and then you guys switch at the same time, and I'm like, oh, my God.

[Frankie]

Yeah, it's uncomfortable. And also, like, if you see me approaching with one of these, like, a side bump, don't go for handshake. That happened to me recently. I forgot where we were. I think it was at one of the shows, like, one of the backstage guys. I was just like, hey, nice to meet you. And he went for a handshake, and I was up here.

[Joey]

Yeah.

[Frankie]

You see him coming in for side.

[Joey]

You got your shield up?

[Frankie]

I got my shield up for side bump.

[Joey]

Yeah.

[Frankie]

You know, don't. Don't like, anticipate bumps kind of crazy.

[Joey]

It's not a baseball game.

[Frankie]

I side bump often. I mean, what's going on?

[Joey]

But I go like this.

[Frankie]

No, because that. That invites. Because. Because here, this is where you're going. They're thinking handshake, or they're thinking, you can't mistake a side bump.

[Joey]

I mean, it's all about distance.

[Frankie]

If I'm far hands like this, I'm.

[Joey]

Like, yo, analyze my hand and realize what's about to happen right now. You know what I mean? I've definitely grabbed a fist before and shook that.

[Frankie]

Oh, I've shaken a fist.

[Joey]

That's happened.

[Frankie]

Yeah, 100%.

[Joey]

Yeah. And I just, like, at that point, you just got to own it, like. And I meant to do it is what it is.

[Frankie]

Sometimes you got, like. I think you need to make it as clear as possible. If you come up here for side bump, less room for confusion and ambiguity. Everything is good.

[Joey]

What's your favorite way to greet new person?

[Ant]

Both handshake, new person. I like to.

[Frankie]

You like the dap.

[Ant]

Love the dap.

[Frankie]

You're a good dapper.

[Joey]

How do you guys feel about the Italian double kiss?

[Frankie]

Double kiss is crazy. I don't even know if I'm normal kissing people that are not my family.

[Joey]

I'm not really kissing people. I'm literally putting my ear on their cheek and going, yes, out into the wind. I'm not kissing you.

[Frankie]

Yes. I mean, there have been times where I will, like, full on kiss.

[Joey]

Yeah, but that's like, for a very small percentage of people.

[Ant]

If it's anyone under, like, 50 currently, you're trying too hard. It's like, bro, we don't need a double kiss. Like, this is. This was gone a While ago.

[Frankie]

Yeah. Double kiss is a. It's a relic of the past.

[Joey]

Also, bro. If I walk into a group of my friends and there's like, eight of them, I'm not dapping everybody up, bro. I'm just saying hi. This is crazy.

[Frankie]

I disagree. Everyone gets a little bit.

[Joey]

No, that's why everyone.

[Frankie]

But, like, each person is going to get a hundred. Like, I have a hundred percent of dap willing to give. If there's five people there, they're getting 20% of a DAP each. Like, I'm not going full hunt. If it's one person and I see you, you'll get 100% of the hello, hug, back slap, you know, whatever. But if there's five people, they all get 20%. You have to limit the energy of your daps.

[Joey]

I'm. I'm. Four is where I draw the line. I'll dap up four people. Five people. I'm just saying hi to the group, I think. And I definitely don't want to say bye. That's insane.

[Frankie]

God forbid. What about you?

[Ant]

I think that's a fair take, but, yeah, more than five. Be like, everybody.

[Joey]

Yeah. Like, oh, what's up, guys?

[Ant]

Yeah. Oh, parties here.

[Joey]

Yeah. I also, like. I'll do it if someone initiates, like, daps. I'm like, damn, now I'm in the depth train. But, like, I won't. I won't initiate it because it's like, yo, there's a big group.

[Frankie]

Dap up the whole place. I'm gonna. Next time we're amongst a group of people like that, I'm. I will be the dap initiator. If you walk in and you're gonna. You're gonna be stuck dapping everyone up.

[Joey]

Yeah, it's just like. It's completely.

[Frankie]

I think it's the right thing to do, but again, it's only.

[Joey]

Why are you offended by that? Now we're talking about things where you're offended by the hat is where you draw the line.

[Frankie]

No, I'm not personally offended. I don't. You don't want to. You don't want to dap me up? I'm fine with that. But I'm saying I like to dab people up because I like to just say hi. Like, that's just my way. Yo, what's up, babe? Oh, how you.

[Joey]

Oh. Oh. Like, if I'm at a place where there's multiple people, but they're not all standing next to each other, I'll dap up everybody. But I'm not. If there's a group of five people that I walk up to. Chill.

[Frankie]

I say. I say hi and bye to every single one of them. It's just a thing I do. And I'm not saying that you're wrong for not doing it, but now that I know that you could be pressured into it.

[Joey]

I mean, do you give.

[Ant]

The same to everybody? Do you do your. What's up, baby? You do the same to everything.

[Frankie]

Yeah, what's up, babe? How you doing?

[Ant]

To everybody, sub up.

[Joey]

Oh, yo, maybe we should adapt more of baseball, like. But if I'm coming into the place, everyone put their hands up, and I'll walk in and go like this. You know what I mean? Let's get this over.

[Frankie]

Like, you just hit a home run.

[Joey]

Yeah, just like, let's get.

[Frankie]

I don't mind. I don't mind that. I'm kind of on board with it.

[Ant]

I'll be honest. I'm not participating in that.

[Frankie]

What?

[Ant]

Now I got to participate in his entrance?

[Joey]

If it's your birthday, sure. No, I'm saying, like, if as a society we decided to do that, like, I think it would be easier. Let's get in and out of these fucking highs.

[Frankie]

Or. Sorry, I was yawning. Bedtime. Or walk in and just be prepped with a. With a prefab fist. You know, just like you prefab your fist, you walk in, yo, down the.

[Joey]

Line, you know, fist all your friends.

[Frankie]

Just keep it up, though. Keep it up and in view and make sure everyone sees that you're doing fist. So everyone's ready for the fist.

[Joey]

Yeah, yeah.

[Ant]

Frankie loves the ghost wieners. Loves them what?

[Joey]

Oh, he's saying you're jerking off a ghost.

[Frankie]

Classy.

[Joey]

Be mature. Which.

[Frankie]

Do you know what?

[Joey]

Good lord.

[Frankie]

Written up detention. Now what?

[Joey]

All right.

[Frankie]

Did you have to, like, do your hair? And because you guys went to the same Catholic high school, did you have to, like, do it quaffed?

[Ant]

No, some kid, those barber messed him up and give him a zero around the sides. And they said, you can't come in tomorrow. Like, it looks too ridiculous.

[Joey]

What?

[Frankie]

Yeah, it's the easiest way to get out of school ever. Just give me a skin fade.

[Ant]

Yeah, it's like, I guess. I don't know. That was. That was. That was weird for everybody. We're like, yo, like, what are we doing? Yeah, they didn't believe him, that it wasn't like he was messing around.

[Joey]

Did you ever do detention at prep?

[Ant]

No, I never got caught.

[Joey]

I did.

[Frankie]

Such a good boy.

[Joey]

I forgot why I did detention. I Don't know if it was. Oh, I know why. But it was only one time. And it's like, you literally just sit in a class, would you? What are they? I had a teacher who. That I had freshman year, and he didn't like me, but, yeah, I should have went to summer school. But he passed me by, like. He, like, gave me the extra two points, so I didn't. Because passing in that school is 75. And I had, like, a 73 was, like, science. But my next year, my first day, I walked into my class, and it was him again. And I was like, oh, God. And he had the same reaction. And there was a day where he, like, handed out worksheets, and I was sitting down and I was filling out the worksheet, and he, like, started the lesson, and then he, like, was asking a question, and then purposefully called on me because he sees me with my head down. And I was like, oh, I'm sorry. I don't know the answer. I was working on the worksheet, and he was just like, get ash. And I was like, whoa, what? And he's like, get out of my classroom. And I'm like, dude.

[Frankie]

I was like.

[Joey]

I was doing the worksheet. I'm sorry. I wasn't listening out because I'm doing, like, work. I'm not, like, on my phone or something. And he's like, get out. And I was like, all right. So I leave, and when I get to the hallway, he slams the door behind me, like, insanely hard. Like, slams it. And I opened the door, and I was like, relax. And I showed up behind me.

[Frankie]

Oh, you knew what you were doing?

[Joey]

I mean, I was like. I was like, yo, chill the fuck out.

[Frankie]

You knew what you were doing with the.

[Joey]

Relax. No, no. Yeah. No, that. I was just like, yo, chill. Like, the fuck are you.

[Frankie]

Open the door. Relax. Calm down. Chill out. Take it easy. And shut the door.

[Joey]

I was just like, yo, chill. I didn't say. I said. I said, relax. And I shut the door. And he was very pissed. Which I get that. I get why I was in detention, but, like, throwing me out. I was looking at the worksheet, for God's sakes. I was working high school, man. We became boys, though. When I. Before I left my senior year, I had my yearbook, and I walked into his classroom because, you know, like, seniors at the end, it's like, class is still going on for everyone else.

[Frankie]

No one cares.

[Joey]

Yeah. So I had my yearbook, and I was like, yo, you got to sign this. And he's like, I'm in the middle of the club. I was like, yeah. I just put it on his desk and he signed it.

[Frankie]

He was cool. You guys kissed?

[Joey]

Yeah, yeah, yeah, we kissed. And it was just.

[Frankie]

And it was a fun time.

[Joey]

But anyway, hope you guys learned a lot about finance this episode.

[Frankie]

Yeah, we're finance bros. That's the title.

[Joey]

A little change of pace is every is nice every now and then.

[Frankie]

Yeah, every now and then. You like a little bit of this, a little bit of that? Yeah, you know, it's a good octave.

[Joey]

That you're at now.

[Frankie]

I can't do it anymore.

[Joey]

Yeah, you ruined it. Sorry.

[Frankie]

I'm just going to be upset for the rest of the day now.

[Joey]

Where can they find you, Frank? Well, there you have it, folks. Thank you so much for watching. Don't forget to hit the Patreon. Patreon.com the Basement Yard Also, if you're coming to a live show, go to the Basement Yard.com submit. Let us know what show you're coming to and write in some stuff. This portion of the shows that we've had has been so awesome and fun. Interacting with everyone in the crowd has been really cool and this makes some. Some for some funny moments. So keep submitting it. It helps for sure. And yeah, that is all. See you guys next time.