What Will You Regret More In Ten Years

You can build a solid business and still feel weirdly terrified to spend a dime. That’s the mental whiplash of commission income, and we get candid about it: the good months feel amazing, the slow months mess with your confidence, and suddenly a family trip or a home upgrade can feel like a reckless gamble even when the numbers say you’re fine.

We dig into the real question underneath “Should we save or spend?” If your kids are growing up right in front of you, what is money for if it never turns into time together? We talk through big-ticket wants like travel, summer projects, and those once-in-a-lifetime experiences, plus the less glamorous reality of medical and dental costs that show up at the same time. Along the way, we challenge ourselves with a tough hypothetical: would you rather have $100,000 more saved in ten years or have done twice as much with your family?

We also hit the messy middle of credit card debt, business debt, and the difference between intentional spending and mindless swiping. Yes, Dave Ramsey comes up, and we unpack why extreme rules can feel out of touch for business owners, while still respecting the basics of responsible budgeting. We finish by zooming out to generational money habits, why our parents’ “just get by” mindset still affects us, and why being present with your kids matters more than another work win.

Subscribe to Venture With Joe and Cody, share this with a friend who’s stuck in the save-versus-live spiral, and leave a review with your take: where do you draw the line between financial security and a life well lived?

Transcript

SPEAKER_01 0:48

Hey hey guys, we're back with another episode of Venture with Joe and Cody. I'm Joe. There's Cody. He's a lender. I'm a real estate agent. He's in Washington. He can work in multiple states. I'm in Oregon and can only work in one state. So there you have it. Um I uh sometimes think of like better intros that we can be like, okay, like hook the reader the listener. But yeah. I think if you're not going to be able to do it. But you know what's hooking them is our good looks. Yeah, absolutely. That's the first thing I thought of. I also thought that the only reason someone's listening to this is because they need real estate help. Like they're right, and that is a small pool of people that would say, Hey, I'm on a podcast. I'm gonna be on a drive for 30 minutes to an hour. Uh, let's listen to Joe and Cody. Let's see what's going on in the real estate. If they're listening,

Banter And Who We Are

SPEAKER_01 1:36

what I'm trying to say is if they're listening to us, they're listening to us. They're committed. Yes, you know, they're dedicated, they're not just seeing they're not dabbling in it. No, no, you're a very specific person. I've got to listen to these two idiots so for 30 minutes every week.

SPEAKER_00 1:50

So yeah, maybe I'll get some good real estate content. Maybe I'll just find out about what in the world's going on in their lives.

SPEAKER_01 1:56

Exactly, exactly. Which I think, you know, at the very least, we said this when we first started it, at the very least, we like talking to each other. And so even if no one listens, it's totally fine. Uh yeah. But I think, you know, a topic I think that is uh that we talked about off-air and that I think is a really valid topic. Um, and I think we've talked about it before, but uh but we're coming back into it. If you have kids, if you have, you know, also debt, and if you have income, uh, you know, talking about like the balance of doing things, activities, or even you know, on this note, buying things, like buying a toys or whatever, um and balancing what the savings is worth versus the the life experience. And yeah, you know, everyone has a different theory. I know you have mentioned that your wife is of a different theory than you, and mine is as well, and maybe the opposite, I think, now that I think about it. But yeah, kind of if you can get us started off on kind of

Saving Versus Experiences With Kids

SPEAKER_01 2:55

what what you guys are addressing currently, you know, with that sort of thing.

SPEAKER_00 2:59

So sure. Well, to start, I will say I think for anybody that is in a commission-based um career, can probably relate to to what we're going through. I think it and maybe I just have been in a commission base for so long that it just feels that way. But like if I had a steady, stable check every month that was the same, it would probably be easier for me to go, all right. Well, this is gonna take us X amount to recoup that predictable. You know, we could have a we could have a good month and recover everything that we just did, or it could be six months down the road before we even start to chip away at it. But all that to say, yeah, I mean, we run into this, we're we're in this season right now of uh, you know, getting into summertime and we've had projects that we want to get done, um landscaping work, we want to put in a pool and hot tub, and we're gonna build a barn and we want to get a travel trailer and we want to go to Hawaii. We have all these things that are like big, kind of big ticket expenses, some less than others, but um for me, I I start to go like, okay, hold hold on, pump the brakes here. Let's like let's do let's do one thing at a time here, let's kind of budget for it. Yes, we could do it, but hold on, let's just you know, because in my mind, I'm like, especially after these years that we went through, where it was like everything was great, and you could just, you know, business was booming, and then you go to this like stallout for years, and now I feel like I'm still in this like like traumatized state of like, no, we can't spend anything outside of what we have to spend on. Um but my wife is she's also in that same kind of mindset, but hers is shifting a little bit more, which is helping mine to shift a little bit more. But I'm like, I'm still a little delayed in everything. Like, I think there's some some I fell off the washing machine when I was a baby, so I think that that's starting to come through. But um yeah, like her her point on it was you know, our kids are are growing up, our oldest is 15 now. We've only got a handful of years left before who knows, right? Like he might be off to college, he might be working, he might have a girlfriend, like he doesn't want to do all the things with us. So we got to start kind of planning for that. And so that that shifted my mindset a little bit because we've got an eight-year-old and a five-year-old too. So like we kind of have these it's not like all three of our kids are at the age of you know, middle school, high school. We're like, we got one in high school, and then we still have one going into kindergarten. So kind of a big spread. But it also yeah, it also has opened up my eyes more though, too, to go, all right. Well, like, you know, we talked about it off air. Like what is what is it gonna do me sitting in the bank? It's like it's a nice security feeling, right? Like, okay, it's there if we ever need it, but it doesn't do any good just sitting there. Like the whole idea on making money is that you use it and you know, create a nice lifestyle for whatever that is. So it's helped to shift my mindset. I think it the hardest part for me is when we go through these seasons of like big time expenses. Um and some of it lately has been medical and dental stuff too. So it's like you throw that stuff in there, and I'm like, oh my goodness. I don't even want to see the number. Like, let just spend it and don't tell me how much it is. I just don't want to see it. I'd rather not know. Yeah. Yeah.

SPEAKER_01 6:16

Absolutely.

SPEAKER_00 6:16

Yeah. Where do you land on that stuff?

SPEAKER_01 6:18

I know, I know we've kind of talked about it before, but well, it's interesting that we're talking about it today because you know, it this was not planned, but I was walking in and my neighbor uh back behind me in the office. She runs uh her own business and just talking about that in general of that stress of it's very difficult to unplug when you run your own shop. Um it's very difficult to spend money when you run your own shop. Like it's because you never know, and it's not an it's not a in the beginning stages of building a business, it's a reasonable thought, but it's not reasonable at this point in my life, is saying that business will just stop. Like, but that is always a worry that you're like, okay, that's the last one. That's the last last buyer I'm ever gonna talk to. That's the last seller I'm ever gonna talk to, you know, and so uh it's very difficult to ever

Business Owner Money Stress

SPEAKER_01 7:06

feel comfortable, you know. We have our business, if you would look at numbers, has grown every year, but that doesn't it my mindset has not changed every year to be more and more comfortable. So um, but after talking to you, after talking to my neighbor, uh, you know, it is you you do have to take a conscious step back and say, is this money going to be worth it to me to just say I have it? Like you know, when all my kids are grown and gone and we're just sitting there still doing real estate, and now the kids have their own lives and their own, you know, partners and whatever they're doing, it's like well, you saved five grand, you saved ten grand to not go on that trip. Like looking back, are you gonna be like that was the dumbest thing you know, I that I saved on, you know? Um and I think you're probably in the same boat, is like, man, it's you feel so invincible when you're younger um to feel like you're you you're never gonna die. You're never there's so many years ahead of you. There's so many and there still is with us, but you it does you do get days where you realize, shoot man, like my cat's 13 years old. Like in five years, he's an adult. Like uh and that is insane to me, you know? Yeah. So uh and so then you think about those trips, we want to go to Scotland. We want to ours is more trip-based more than anything. We have come to grips with like, we love our home, there's no need to, you know, we can remodel as we need, but nothing. Sure. So we're not like big purchase searching, it's more of like, do we take these trips? Do we do we go to Scotland to visit family while the kids want to go to Scotland with us? Do we want to to splurge on certain things like that? Um, I've always talked about it and never pull the trigger on it is going flying first class. Like, I'm like, I want to just do it. I want to do it. But then you see the price, you're like, I could get it, I could just fly normal for way too much. Still sit in the very back by the toilet. Like, it's like I'm going to the same place. Like, yes, but it's like it's like, do it, just do it. So I would say, like, within reason, I think I need to be better about doing it. Just uh um not worrying so much about like how to pay the next thing because it is it is a is a valid worry, and I think if you're worrying about it, you're in a better spot than most. You know, yeah. What was someone saying? And and you probably heard this multiple times. If you're worried about doing a good job, you're probably doing a good job. Like if you're concerned about it and you're introspective, you're probably doing because the people that don't do it are so oblivious to them not doing a good job as something. Or yeah, I think that goes with money, is like if you're consciously, you know, like, hey, saving or you're doing the right thing, or you're, you know, and you're concerned about it and thinking about it consciously. Um, I think that you're already in a better spot than probably 85-90% of the population that just does swipe, like that's that's a cool thing, swipe, and then they're in debt that was unnecessary, you know? Oh yeah. I'm just thinking out loud, I don't know the answer necessarily. I guess I'm just like sure maybe trying to justify our stuff because it is it's hard. It's hard to be like, okay, when's the next when's the next paycheck? If you were in a paycheck scenario when I was with OSP and Christina worked for Bank of America, yeah, just okay, let's do it. Sure. Because I know the paycheck's coming in. Let's do it. Exactly. Yeah, put it on the credit card, we'll pay it off next month or two months or whatever, and no big deal. But now it's like like to your point, even dental and vision and and health, you're like, shoot, like, yeah, like we have not only do we pay that, like, but it's like, you know, then you have all the stuff that comes with it. So yeah, it's uh it's a real thing. But I think Christina has generally been on the more conservative side of that, being the we need to not do this stuff and buy stuff and and I'm more on the impulsive, just do it, you know, and worry about it later. So I think we're both kind of though, kind of trying to find that balance of like she's trying to be like, we need to do these trips, like we need to get sure the stuff going, like we need to go have fun and enjoy the kids, and then um maybe thinking now more of like uh what if we put that ten thousand dollars to you know a credit card, like because for anyone that knows, like as you build a business, like you go into debt to build the business, and we we were into debt to build our business, and you know, we're doing really well, but you know, you gotta pay off the debt at some point. So yeah, and it's not fun to pay off debt. No, it's

Credit Cards Debt And Tradeoffs

SPEAKER_01 11:28

it's fun to spend it on things that you want to do, or it's like building the business. It's like that's stupid.

SPEAKER_00 11:36

Like when we could go to Hawaii, but um Yeah, and I think that's where people a lot of people do get into trouble as they, you know, they they will go, man. What if we put a thousand towards the credit card and then we use the the rest, and then that that debt just sits there and lingers and lingers and lingers, and it's hard, it's not a fun thing to pay off your debt, but it sure does feel good knowing when it's gone and it's like okay, back to square now. For sure. Now anything that we make moving forward, we can we can kind of hold on to and use for our own stuff. I think my mindset has always been on the more frugal side of things. Um even even when business was going really well, yeah uh I still felt like my my wife had to be the one to convince me to to do certain things or buy certain things because it's just like logged in my brain of like, I don't know why, I don't know where it came from, of gotta just save it because you don't know what's gonna happen. And I don't know if that's because it, you know, that's how the first couple years were where you're just like I I don't know what it's gonna look like.

SPEAKER_01 12:43

I think it is you don't know what's gonna happen, and you're never confident in your abilities, you're never confident in the clients that you have, you're never confident in anything. So there is a and that's a long time. Two years doesn't sound like a lot, but that's right two sets of 365 days that you're like, I'm just living in it every day. I may have to go work at McDonald's and work my way up in McDonald's because I don't have anything else.

SPEAKER_00 13:06

Like or like when you have when you have a good month or months, yeah. You're like, you're not thinking I did all the work to get to here, and so I'm earning this now. You're like, I got lucky. For sure. Something fell together, and it's this, you know, and so it's like it never feels like you're doing these things and you're like checking off your box to say, okay, I'm the reason that this these things are happening are because of the activities and the things that I'm doing. It always feels to me like like I don't know where that stems from, but it's just kind of like to your point, like I'm never gonna have another client because there's no confidence in that.

SPEAKER_01 13:39

Like there's no, you know, when you first start, there is no confidence that that could happen. You're like, that was a fluke. It was a family friend that felt pity on me that like you know, that was doing it just because of that. And maybe some were that that case. But yeah, it's hard to kind of get out of that mindset and be like, no, the work you're doing is what's causing that, and and there will be continued work. But man, that does then and the outgo is so much more. Like the credit card debt just piles up and the and the business debt just piles up because you're not getting as much in as is going out, and then you're once you start getting more in than out, then you're like, okay, now I need to just hold on to this because this this may this may switch back, you know, maybe it back the other way. So yeah, it's hard to hard to do, but I I would say like, yeah, at some point you've got to be confident and know that you know, sometimes I think with getting older, and what's cool about getting older is you can kind of feel less pressure in the sense of like, man, this is only one life, man. Like, who cares? Like you know, the again, you don't want to go reckless, who cares? But it's like what whoop do you do? Like, if you go into a little more debt than you wanted to go into, or what you know, you you racked up a card a little bit more than you wanted to do. Like, as long as it's reasonable, it's like who cares? Yeah, like life. It really doesn't change your life tomorrow. Like, you know, it's it's then then you're then what? You know, yeah. You you always plan for this future, and it's like, what is the future? Like this is you know, it sounds so cheesy, but the future's now. Like no, I hate that I myself that I just said that, but um like it's but you're like you keep waiting, you're like, oh in 10 years I'm gonna have tons of money and I can just spend it wherever I'm well. Like in 10 years, you could be you could get run over by a car, like in 10 years. Like dude, totally cool.

SPEAKER_00 15:21

Like, well, and yeah, and I think that like my biggest like the the shift that's been happening in my brain too is is a lot of exactly what you're talking about. But it's like if I were to picture myself in 10 or 15 years when the kids are like all of them are more than likely out of the house and kind of doing their own thing, am I gonna feel like I just like was too was holding on to everything too much and didn't enjoy it? Because at that time, I mean, shoot, in in 10 years, life is gonna be so different that I'm gonna wish that I had the kids stuff going on all the time. So, like I'm going to have more time to dedicate to work, to doing all the things, to saving the money, to spending, to doing all that stuff, right? And I I really don't want to look back on that and go, man, I I really regret not doing these things when the kids were here. Now we, you know, now it's fun because we can get all the families together and do all this stuff. But I feel like I I was the barrier for that, and I don't want to do that, but I know it's still hard because I have to be sold on it.

SPEAKER_01 16:21

And one that like maybe this is a question, you know, obviously I'm not gonna ask it and expect an answer right away, but as you were talking, I was like, okay, so if someone told you that in ten years you would be a hundred thousand more in debt, um, but you would have gone on the trips you wanted to do, you would have had the toys that you wanted with the kids, you'd had the the improvements to the house to make it more fun, whatever. And sure. Or if you were, you know, you had a hundred thousand more in your account in ten years, but you did half of the stuff, would you take it? Like which one would you take? Like and that's a good one. Like I think on the surface you can argue both sides of that. Um but yeah, you look ten years from now, you're like, okay, to go into that much debt, but to enjoy that much of a life, you know? Because like you said, theoretically, you continue to accrue money and you continue to make more, you continue to build your business, you continue, you know, so you get more comfortable. I don't know. I yeah. I I don't know if I can ask that question right now, because you could argue both sides of it. And there's people that are screaming at this, probably being like, You're irresponsible if you go into that much debt, and you know, blah blah blah. And it's like, but this life, like, what are we doing in the life? Like, what are we doing? Like, what are we doing? Like totally.

SPEAKER_00 17:32

And and debt and yeah.

SPEAKER_01 17:34

It's not all about money. And I'm not I I I I sound reckless in this, and I don't want to come off as that, but it is just a friend of mine was like talking about like he's like, it's just monopoly money. It's all like you pay these debts, like it goes to someone else who doesn't have the money, who pays another debt to someone else who doesn't have the money, and then it just circles the the world circle. Exactly paying each other's debt, like of all imaginary funds, and it's like there is some truth to that.

SPEAKER_00 17:59

Like totally, and I think that there's a there's a difference in my brain, too, um, between debt and or spending money on things that are important as opposed to just like willy-nilly, yeah. Like, yeah, you know, I'll throw out whatever. I don't want to throw out specifics and make people feel bad, but like there are so many things.

SPEAKER_01 18:22

Let's just use shoes for an example, like you buying 8,000 pairs of shoes, like of like super expensive, and you have like an entire and I'm not knocking that because I have a lot of shoes, yeah.

unknown 18:31

Right.

SPEAKER_01 18:32

Things like that versus like, hey, we went on a trip to Hawaii, we didn't think we could afford, and I use Hawaii because I love Hawaii, but but we didn't think we could afford it, but we we put a little on the credit card or we put it all on the credit card just to do it so that the kids could have a week of just enjoyment and we could enjoy that time together. I don't know. That's significantly different than saying I bought like 18 pairs of shoes that were you know a thousand dollars each, you know. Exactly.

SPEAKER_00 18:55

Yeah, and like all the day-to-day things that are so easy to justify, or like, oh, it's only eight bucks or ten bucks.

SPEAKER_01 19:03

The argument though, that that let them do it. Like, it seems so laissez faire. It's like, what if they like shoes? And then that makes them brings them joy, you know? It's always just finding that balance of that, of like what but I think if you're thinking about it and conscious about it, I think you do a much better job at doing it the right way, if that makes sense. Versus like a friend calls and says, Hey, let's go to Hawaii today, and you're like, Yeah, swipe the card, let's go, you know. Um, yeah, I think there is a balance of that, but for sure.

SPEAKER_00 19:34

There's a balance. I think I think that the responsibility side of it is not like how much you're spending on the things, it's just like overall, like to me, it feels like there needs to be a little give and take where okay, if we're gonna spend and do this, let's try to save from this side of things. For sure. Like for sure. We go out to eat every every other night. What if we just did that once a month? We're gonna save hundreds of dollars. Or instead of me getting a coffee every morning, what if I just make my coffee at the office or make one at home? Like, because I feel like there's those little things that you can kind of easily justify doing because, well, it's only five bucks or it's only eight bucks, but it's in my brain that works so much easier to go, okay. Well, if we we'll cut back on this, I'm gonna change my own oil and I'm gonna save thirty dollars. Not that big of a deal, right? But then we add that up over time and we're you know, blah blah blah.

SPEAKER_01 20:30

So it's but I think that goes to the core of responsible thinking. Like I think that you know, you can be what's you know, more or less, I guess, like less you could be a little more reckless with your spending, as but you're just adjusting other places. Totally. And I think that's not a bad thing. I think I always I I don't know why, but I always feel like Dave Ramsey's like staring over my f my head. And um it's funny because a friend of mine or a coworker of mine and a friend um that we used to work together in OSP, he was a big Dave Ramsey fan, and we always joke because I could not stand how judgmental he was. Like you know, people he would be like, Oh, listen to this clip, and blah blah blah. I was like, I just want to smack him. He's just so arrogant, so like, oh, you can't pay cash for a house, don't pay it, buy a house. I'm like, yeah, so like I'm sure there's great trends, and everyone's gonna get mad at me of this. Like, I just couldn't stand how he was personally like insult people to me. He was insulting people, and it was this harsh love, like this kind of um, but I always I always hated that, but I always see him like when I'm saying, like, oh spend the money. He's like, No, like you can't do that if you don't

Dave Ramsey And Debt Balance

SPEAKER_01 21:41

have the kick. You don't have the money, but right, um, but yeah, my friend always like got a kick out of me just getting so pissed at like the comments that he would make on people that were like, and they were being ridiculous. And he's he's catering to a population in these clips that are they're they are. I just I I make forty thousand dollars a year. I just bought a a Lamborghini for a hundred thousand dollars. Like, what do I know? It's like you're an idiot. And he's you know, and so he he goes that route. But I know he's got tips and tricks that that work for a lot of people, a lot of our friends, but I'm like, um, I just don't like him. But I don't because I do think there's a balance. I don't think that you should be doing that. Maybe it's catered to a different person, but I I think that may I don't think that's a happy life to have to spend it always just saving and always just like if I can't pay cash, I can't do it. I I don't know. I even hate I hate saying that because I feel like he's like he's judging me right now, and I don't know why, but I'm like, I don't know. What's your thoughts on that? I just think that there's a balance. Like, and he's on the other extreme of like, if you don't have cash to buy a car, you don't buy a car. I'm like, that's just Unrealistic. That's not that's not how life works. Unfortunately, or fortunately, that's not how life works. But um yeah. And he's like in ten years you'll have everything paid off. It's like, well, ten years you could be dead. Like, oh, cool. So you have everything paid off. Like, um anyways, what's your thoughts on that?

SPEAKER_00 23:04

And no, I'm I'm with you. I think again, there's there's a a good healthy balance of like enjoying it and and not just getting the money to save it, to hold on to it, to do nothing with it, but also like putting yourself in a good situation where you can maybe do some more of these things. Yeah. And it doesn't feel like it's all has to go on the credit card, too. Yeah, right. To where you can be like, okay, cool, it's a good month. Like, let's let's apply X amount to this trip or this thing. Or maybe put it in a separate savings account to where it's like you're building up towards it. For sure. I like that kind of side of it to where it's almost like you're giving yourself an allowance. Yeah, yeah, for sure. You know, this goes on.

SPEAKER_01 23:47

I think some of the tactics are sound, you know.

SPEAKER_00 23:49

Yeah. I think that I I think there's definitely a balance though, because you don't want it to just be that's all you care about is getting out of debt, because then what happens when you're out of debt? Like, will you ever really be out of debt? Because we're all gonna have mortgages and and probably car payments, more you know, off and off and business owners are even worse about it.

SPEAKER_01 24:12

And I think that's maybe where business owners are okay with there is good debt and bad debt, whether Dave Ramsey says it or not. Like and um I think that business owners are more aware of it and more okay with it than others, you know? Yeah, um, there is true bad debt that people that just swipe cards to just do whatever they want without thinking they have a job that pays them thirty thousand dollars a year, but they're living outside their means, you know. Um but business owners I think live outside their means, like have to run a business outside their means for a long period of time, you know, and so I think you kind of get used to that, like, okay, well, we're in debt, but that's kind of that that's the baseline level debt, like you know, and and we can handle that versus like you know, some people that can be truly out of it, if that makes sense. So I don't know.

SPEAKER_00 25:00

Yeah, and that's a good point too, because I I guess that's a good way of labeling it good debt and bad debt, because it's one thing to be able to to say, okay, we're gonna put this on the credit card because um you know, maybe we're not gonna get a good check for a month or two. So we're just gonna put it on the credit card and we're gonna chip away at it, and then when we do get that good check, we're gonna just pay it off. Yeah, yeah. Um so that we can do the trip instead of waiting for sure six months or whatever. For sure.

SPEAKER_01 25:23

So I think that's yeah, you can project that. Yeah, for sure.

SPEAKER_00 25:26

Instead of like, okay, we're gonna use all of our cash and we're gonna do this, like sure. Let's put it on a credit card and like kind of balance it and chip away because the the constant just overspending, I think, is where it gets people in trouble. Um so finding a good balance is is necessary. And I feel like usually with most, especially like uh married couples or anybody that's sharing money with another person, I feel like the odds of of both of you having a little bit of a different opinion are probably pretty likely, which is good because then you find a little bit of that balance. Yeah. Um, where it might get challenging is if you're both like, let's spend. We got one life, let's do it. Let's you know, like it's almost nice to have that resistance from from the other person.

SPEAKER_01 26:09

That's like, yeah, uh, should we I respect it though, man? I I like when you said that, I was like, I I in some ways wish I was like that. I was like, dude, just whatever. This world is a short world, just live it. Like totally.

SPEAKER_00 26:24

Which it is. That's that's the hard part. Is like I'd I'd rather live it like that. Yeah. You know, that I don't know when it's gonna be. Because I know more and more people over the years that have died at a younger and younger age. Um, and it's it's just that sad reality that you don't know when it's gonna be, and and you know, I know, or just get like it have things that happen that's not like you don't even die.

SPEAKER_01 26:46

It's like it just limits your ability to do stuff, like you know, some disease or some you know, physical injury that kind of limits your ability. And it's like man, it's a tough, it's a tough one to to uh determine what you want to do. I think ultimately, like you said, you know, your partner figures you you figure it out with your partner, and there's a there's a responsible line somewhere where in that responsible line adjusts depending on the person, the job, the career, the the business, all the stuff. But um, yeah, I think like, and we talked about this maybe in another podcast, is the generational thing I think is has changed too, though, that has put more pressure on going on the trips, put more pressure on doing the things, and I don't think that's a bad thing. I think our parents they supplied for us and they supported us financially and physically with food and the clothing, and that was their goal. That was like there, and I think I remember my mom saying something like that. It's like they didn't have the forefront to or the foresight, and it wasn't to do it negative. I'm not knocking them. It was like they didn't think that far. It was like we didn't and maybe my parents came from uh you know very modest, poor background, so they were like, we didn't think about like, oh, we've got an extra $500, let's put it in here. It was like you lived paycheck to paycheck, and your job was to

Money Lessons From Our Parents

SPEAKER_01 28:02

support the kids. So there was never a conscious thought of what do you do with money? Like, what do you do, you know, what do you do? Like they were like, you can't put anything on a credit card. We can't, we can't even afford our bills, you know. So it was a different mindset, at least with my family. And so it, but it's an interesting overall general mindset that our generation has, I think, focusing more on getting the uh events in our lives done now with our kids versus like our parents were kind of like, in the future, I will have some money to be able to go on a trip. Like, yes, you know, we don't have money to go on a trip, but in the future we will. I don't know if your parents were different or not, but that's kind of what we experienced of that kind of just paycheck to paycheck, and you don't there's maybe a piece that comes with that that you don't have to think about it. Um but but it also I think there was a struggle with my mom trying to provide for kids and trying to provide for us as a family and want to do those things, but there's just no opportunity, you know. Yeah, there just wasn't even a thought of like, should we put it on the credit card? Because it was like we don't have you know, yes, we can't. So I don't know if you're gonna be able to do credit card savings experience out with your family growing up, or what was your yeah, it was definitely very, very similar.

SPEAKER_00 29:10

Um like my dad was a truck driver um and my mom didn't work, and I didn't realize growing up how little money we had because we had some property and we had a a pretty good sized house, yeah, but I didn't know how leveraged everything was, and then it was like there were there were multiple times where they were waiting for somebody to like give them the foreclosure notice. And you know, like as a kid, you don't know, you just kind of like you just living your life, yeah. Yeah, we have food, we have clothes, like everything seems normal. We don't go do anything fancy, we go our one thing we do every year is go camping. Um but you just look forward to it, like that's just that's just normal. Um, and it's not like we grew up in an area where it was just like full of wealthy people.

SPEAKER_02 29:55

Yeah, yeah.

SPEAKER_00 29:56

And you know, you come to find out that there probably were actually some fairly wealthy people, but all their money was in their their you know, hundred acres and all their tractors, their animals and all that stuff. But um, yeah, like we never really had a whole lot, and so I think I think that's probably part of it too, where it's like just that that natural, like when you didn't have a whole lot growing up. Um and I and I I say that in a way of like I was very well provided for. So it's not like I, you know, grew up with with nothing and we were yeah living in a in a two-bedroom for sure tiny little home, like very very well taken care of. Um we just didn't have like fancy cool things all the time and going on trips and everything. But yeah, I think there's definitely part of it too where like that generation was that was just the focus, was just like we just need to get by. We need to be able to figure out how we can get to the next month and to the next month, and for sure. Now, you know, we get in a in a position like like we're in, and and you feel that fortunate uh like blessing uh financially to where you're like, okay, well, naturally I want to just hold on to this stuff, but at the same time, we can think about it, yeah. Yeah, what good does it do me? So we're we're fortunate, so let's let's enjoy it. And and I always, you know, it's funny because whenever we have a purchase of some kind or spending and money, and I'm like, you know, it's more the thought of it than it is the actual money leaving your account because then the money goes out of your account and you get the thing or you go to the place or whatever it is, and it's like this is awesome. Yeah. Like that that couple thousand dollars that left our account does nothing to me now. It's it's gone and it is what it is, but I'm not like tracking every penny that's that's now no longer there. You're like, all right, well, this is just this is our new baseline of what's in our account. And so here we go. All right.

SPEAKER_01 31:45

Yeah, it's an interesting one, man. It's an interesting as you get older, I think you start getting more uh more focused on that sort of stuff. And I think you know, we're on that, on that train of like, okay, we've built the business, it's continuing to grow, and it's like now we need to stop being so laser focused on you know that, not that we don't want to be laser focused on it. Everyone, clients listening, we're still we're still focused on you. But um, but also being aware that you know, um, you have a family that's growing up around you that doesn't care. Like ultimately, my do my kids care if I have three sales this week or four sales this week, you know, they don't care. Right. They want their family there, you know, and so um yeah. And so I I and that's why part of it is we're going I'm going golfing. You should go golfing more. I'm gonna try to go golfing more because Rory loves it. And I'm like, it's summer. He's golfing currently, he golfed yesterday. Like, I was like, I need to start like getting in on those like little nine holes or something just to kind of be there. So um Yes. Yeah, interesting. As he's gonna be.

SPEAKER_00 32:45

I got a uh friend of mine, I'd have to look up the quote that he's that he said. It was his own quote. Um, because I was telling him that Eli was getting into to golf too, and his son's a big golfer, he's going to college with a golf scholarship. And okay, he was he was we were just talking about like that time on the golf course with with anybody really, but like especially your own kid, like it is such a great time because there are there are conversations that you will have out on the golf course that you might not have anywhere else because you're

Being Present With Your Kids

SPEAKER_00 33:13

out there for hours and you know you could be joking around the whole time, or it could be a little more of a serious conversation. And so to be able to have that time with your kid to where you know maybe some of those conversations that otherwise you might not they might not come up, or you might not know how to start them.

SPEAKER_01 33:29

It's like, well, we're just here together, or even in silence, like sometimes it's just there. Yeah, you're just there. Like totally. Um, so yeah, meaning such a good bonding experience. Anyways, okay. Well, there's our I don't even know if we gave advice, we just kind of had a therapy session between each other. So everyone just got to witness it. Yeah. I'm gonna go spend some money now. Yeah, exactly. We're gonna go you're gonna see us, you're gonna see us in Hawaii, Cody and I. We're gonna do a joint session. Yes. Uh going into depth. Yeah, we've been talking about doing our podcast on the beach. Now we're you, Dave Ramsey. Like and subscribe. Oh, yeah. Okay, guys. Well, yeah, speaking of what Cody just said, like and subscribe to Venture with Joe and Cody to hear more about us and generally about the real estate market. But there's really nothing going crazy right now in the real estate market. So there's nothing it would have been a short podcast if we only had to talk about that. So yeah. If you do have anything, comment to Joe or Cody, myself or Cody, and uh let us know if you want to us to cover any certain topics, we'd be happy to cover these in podcasts. But um, yeah, venture with Joe and Cody, subscribe, like, head to our YouTube page, social media pages, and and uh pay attention to us if you're a buyer or seller or gonna be.

SPEAKER_00 34:39

Yes.

SPEAKER_01 34:40

Well until uh next time, my man.

SPEAKER_00 34:43

Hey, this was great. Yeah, we'll talk to you later. All right, sounds good.

SPEAKER_01 34:47

Bye.

SPEAKER_00 34:48

Bye.