Good People, Cool Things
Good People, Cool Things

Episode 62 · 1 year ago

62: Financial Coaching, Song Parodies, and Video Games with Adam Kol

ABOUT THIS EPISODE

Adam Kol helps couples make sure the money conversation doesn’t get in the way, leading to more financial security, clarity, and peace of mind. And as you may have noticed, this past year has been rough on just about everyone, so some peace of mind sounds great to me.

We’re chatting through all kinds of financial goodness here so you can tackle them with the kind of gusto they deserve. Adam’s also a musician who creates financial parodies — give me EDUCATION with my toe-tapping tunes, please.

We’re also both big ol’ dorks, so there’s a part on Miami Hurricanes football and basketball and speed running through video games. No regrets.

Good people, cool things. As a podcast, feature in conversations with entrepreneurs, writers, musicians and other creatives. Get inspired by their stories to do your own cool thing, and here's your host, Joey held. Welcome to good to people cool things. Today's guest is Adam Cole, the couple's financial coach, who helps couples go from financial overwhelm or fighting to peace of mind, clarity and teamwork at all starts with communication, and Adam is breaking down all of the things that you need in your relationship to help you be more confident with your finances, more successful and reaching the different goals that you have, whether it's buying a house, saving for a car, saving for a wedding, even just trying to have a little more extra spending money. Adam will help you get there with all of the great advice that he's dropping in here. He also talks about how he even got into this in the first place. He's had quite the wacky journey to get here, and there are lots of good insights that he's picked up along the way. On top of that, Adam is a musician and he makes financial parodies that are both educational and very entertaining. Personal favorite is about financial planning, to the tune of Whitney Houston's I want to dance with somebody. It's magical and wonderful and I highly recommend it, because it's also educational and I'll teach you a lot too, which is super cool, and because Adam is a grad of the Miami Hurricanes, the University of Miami, just like yours. Truly, we're going to geek out over some football and basketball, because that's what we do and it's great. If you like to support good people cool things, you can do so via the merch shop at good people, cool thingscom shop. Can also reach out Joey at good people, cool thingscom or Holler at the show on Instagram, twitter or facebook. GP CT podcast. It was about to Saycom but there's no doc cooms. It's just an at sign. Super easy, super wonderful, just like this conversation with Adam, so let's hop onto it. For people that don't know who Adam Cole is, can you give us your elevator pitch, but can you also tell us the elevator that we're riding on while you're telling us about yourself? Well, first of all, I think human beings are phenomenally complex, which is part of why I love the work I get to do with human beings every day, coaching couples around their money. So I don't think any of us can quite fit ins an elevator pitch. So I'll tell you a story when I was on an elevator one day. It was a Friday and at the time I was working as a tax lawyer at a big accounting firm called Deloit, and I jumped in the elevator and there was this woman and she just looked so alive and I was like, you must have some amazing plans this weekend, and she starts telling me what she's doing and then she asked me, what about you? Do you have any weekend plans? And I said yes, I'm going to be going to this animal sanctuary and helping some chickens, and she's like are you vegeanting? I'm like yes, are usually guess we was like a the scene from step brothers. You do we just become best friends right and joe actually became a friend and colleague of mine who does wonderful work in the training and coaching space as well. And you know, I can't say that all of my elevator. COMPADRE's enjoy this, but I'm like when I got a captive audience, I want to meet them and talk with them because I find people absolutely fascinating, and I mean honestly. That's really what led me to doing this kind of work as a coach. When I work with my couples, with my clients around finances, it's not just about, okay, here's a plan for you, or okay, go film The spreadsheet right. It's about let's get to know each other well, let me get to understand what makes you tick, the things that you're able to say to your partner, or maybe not yet able to say, how we can get the two of you communicating in a healthier way, cultivating more intimacy so that you can have the relationship you actually want alongside kicking but financially and was couples always kind of...

...the the goal for you, or did you start out working more with individuals and just kind of found that these conversations either weren't happening and needed to be happening, or were happening, but people. I know idea where to start a little bit of all the columns. I don't remember if you name two or more, but yeah, I mean initially so. I know I mentioned I was a tax lawyer and after I did that I wanted to do something a little close from my heart. So I worked on Housing and Homelessness Related Issues at a nonprofit, which I love the cause, but I wanted to be working more with people, and so while I was looking later on for jobs that were more with people, I also started this coaching business and originally I was helping people with their finances and also with communication and with relationships. I'm a certified mediator as well, and so that's what I love to work with people on, trying to help them resolve conflicts learn healthy communication skills. And then it was just through a fortunate conversation that I realized Whoa, there is a huge need at the intersection of relationships and money and it's one of the top stressors is finances, and one of the top causes of divorce is financial stress. And when I went to Google and Amazon to look for people and books focused on this, I could barely find any, and that didn't make any sense to me. I'm like, how is this regularly a top three or four cause of divorce and every single study read and there's fewer than ten books about it and there's nobody who specializes in this out there that I can find. It really blew my mind and I looked and said, you know, okay, so there's no blueprint for this, but I think I've got the right skill set as a former financial advisor. Hadn't mentioned that part, but I did that before law school, as a former tax lawyer, as a certified mediator, as a coach. I said, you know what, I think I've got the right skill set on both sides, the human side of things as well as the financial side, to be able to bring these together and not just some couples to stop fighting or overcome their anxiety or overwhelmed. But the goal is really that this becomes an area of strength in your relationship, becomes it becomes a source of connection and intimacy. It becomes a place where you have more clarity around what really matters to you and what you want. You have the confidence that you're moving in the right direction, you're working as a team and along with that you get the sense of mutual accomplishment, but also that peace of mind. Right, because we all know money can keep us up at night and to the extent that we have all of that clarity, confidence teamwork around it creates a real sense of peace of mind and that's something I think we can all use a little, a little more of over this past year. Now I I do want to dive some more into this, but let's start first with a frivolous purchase, because I just saw this twitter thread the other day that I thought was very fantastic. Have you made during the pandemic just a wild sort of whether an impulse or whether it was planned, but just kind of like a ridiculous purchase that you thought you'd never have bought prior to the pandemic? Well, I bought a new TV for my bedroom, which wasn't a frivolous purchase, but then I bought one of these wall mounts, and it wasn't just your ordinary wall mount right. I needed a wall mount that could swivel and all the directions, so I went out and bought this an honestly the time, and you could still make the argument, but I love it because when I'm sitting on the bed, I can watch the TV straight on, but I can also turn it and move it up and down and it's great, you know, when I'm in different parts of the room if I want to TV on. So perhaps for me I'm a very conservative spender. So you know, that's about as frivolous as you're going to get out of me, but I ended up being glad that I made it. Yeah, I think that seems pretty practical. You never know where you're gonna need to be in the room to watch something, so I applaud it. I I also like to think I'm generally...

...pretty conservative. Or, if I am being frivolous, it's a smaller purchase. You know, it's like like I was trying to think of what my answer for this would be. In it was it would either be a putting green, which was like, I think, with the with the putter, and I think it's like a twelve pack of golf balls. I think all of that, with tax and everything, was like sixty dollar. So okay, like I've gotten a decent amount of enjoyment out of yeah, I mean look, you know, I guess, as I think more about it, there is the thousand piece star wars puzzle that I haven't done yet, but we'll get done and you know, I'm sure I could think up a couple more, but we'll stay with that for now. Yeah, I think all of those two are like those are hobbies. You can, you know, get some enjoyment out of it. And, and that's not to say like some of the other things from this thread, someone had gotten it appeared to be a giant inflatable hot tub, but like a full eyes one, and they said that they lived in a small Philadelphia apartment. So they I don't think they had to use that, but they made the purchase. And another person got a church Pew and transported it and their their hatchback. So they showed a picture of it just like jutting out of their the back of their car. But I guess now they have us a solid wooden bench in their house. Is for praying purposes? Or do they just unclear? They didn't specify. It seemed like maybe perhaps the church was closing and was maybe a bit of like a fire sale of items in there. I don't know if there was just the one pew or if, you know, anyone could could get get their hands on that. So maybe I don't know what city the this person was in, but maybe there's fifty people around the the neighborhood that all have church pews, which is kind of a nice way to stay connected. Whatever works right, community is actually lacking. So if if use church pews, is what gets you there. All right. Now, you mentioned how there isn't a ton of information out there on finances, specifically around couples and talking about it, and it's also an area that I think is probably pretty easy to have misinformation around it too. You know, maybe it's someone saying, like they heard from a another friend, like, oh, that's how that conversation went, so that's how all of these are going to go, and things like that. So what are some of the top myths around money and love and relationships? Yeah, well, there are a lot out there and you know, when I get a chance to speak to an audience like yours, I tend to focus a little bit more on the myths around talking about money and how it affects our relationships. Now, do I believe their financial myths? Absolutely right. There's also a lot of really cool podcast talking about these financial topics. But what gets missed as these intersections, right, and what I find in terms of I think the most important myths is, you know, I'll speak directly to the listeners. If you're somebody who maybe you've got a solid relationship or marriage, but if you're honest, money's kind of a uncomfortable topic. You prefer to avoid it or you feel overwhelmed or fraid or embarrassed about talking about it. It's very easy to create walls to why you never actually sit down and work on it in earnest right. And so over time I've seen, well, what are these walls that we build? What are what is their content? Typically it looks and sound something like well, you know, honestly, it's if we talk about money, it's just going to make these worse. Or yeah, maybe, Adam, it worked for those other clients, but it's not going to work for us. I'm not going to change, my partner's not going to change right. Or Yeah, I mean, we could do this, but it's probably not...

...worth the time and energy. Right. And the reality is for all my clients I've seen it over and over again. Unfortunately, those don't hold water. And I say unfortunately because once you acknowledge that, then you'll end up looking into talking about this with your partner and it might be uncomfortable at times, but that's okay. All right. So I want to share an example. I had one couple who came to me and in the consultation I asked the wife, so what's the likely outcome if the status quose days in place, you know, a few years from now, and she goes honestly, if things don't change in a few years the kids will be a little older, I'm probably going to walk out. And that was the first time she'd ever said that to her husband, for time she'd ever said it out loud. She said it while he was sitting right next to her, she said it while he was in he right next door. She said it in front of me, a relative stranger, and that was an intense moment. But fast forward to a few weeks later and inside of them both committing to work on this, there was such a weightlifted off of their shoulders. And how do I know? Well, the husband, when he came to me, said his biggest frustration was they worked really hard to build a home. They live in an expensive metro area, but they couldn't turn it into their dream home because of the money. Within a couple of weeks he was doing all kinds of projects around the house. Now it wasn't because they saved a ton of money, although they immediately started saving hundreds a month on bank fees, but it was because that weight, that heaviness of knowing deep in his heart, if we don't fix this, it's going to end up going really poorly, that had lifted and instead of feeling the sense of separation from his wife, now they felt that sense of togetherness and partnership and all of a sudden he was like wait, there's a lot of projects I can do around the house that don't cost a lot of money. So he got his dad involved, he got the kids helping out and it became this family team kind of thing and it was all based on them just kind of breaking loose of that calcified place they were in right and allowing something new to emerge. You know, joy, I figure you'll appreciate this, if anybody will. Do. You know the scene at the end of ghostbusters when sigourney weaver and Rick Moranis is characters. I think they're like encased in the strange that material. I don't know what it is, but it's like because she turns from the creepy dog ghost thing back into a regular person and that she has that stuff kicked around it. Do you know what seen I'm talking about? Yes, yes, okay, that's kind of how it feels. Right. A lot of couples are like that. And if you don't know what I'm talking about, in you're listening, you know look it up, like we could drop a link in the show. That said. Will find it on Youtube. It's and of Ghostbusters, you know. Dana comes out of the creepy dog encasing. I don't know what to call it right, but that's how people are. They get stuck and they don't think there's a way out. But, my goodness, it's not just that there's a way out, it's that's so much as possible on the other side. And this couple, while working with me, remember they were on the verge of divorce. They were best friends again. I'm the same person. The wife said to me, Oh my God, I'm I started calling my husband my best friend again. I haven't said that in years. Right and well, not everybody listening is going to be in that dire of Straits. It just hopefully gives you a sense of the kind of transformation and relationship growth that's possible when you lean into an uncomfortable topic. And do it with the right supporting guidance. Yeah, absolutely, and I think that's a key reminder of the communication element of thing and to your point of you can do projects at home without having to spend a lot of money. I want to give a plug for next door, which is both an endless source of neighbor complaints of people playing music too loud or you know, they they walked around and saw like dog poop in someone's yard and then they they were like, why are people letting dogs poop? And it's very entertaining from that angle, but also very fun and helpful for getting both...

...recommendations of Hey, you know, I love to have like a plumber come in finally take a look at this toilet so I can do something with it, or just just borrowing tools, like going on and being like hey, and this happened fairly recently in my own backyard this week. Tree tipped over due to an excessive windstorm a few Texas weeks ago and was just sitting in the backyard and I don't know what to do when a tree falls in my yard, and so I kind of just did a little a little online research and it seemed like the easiest way would be to saw it in two smaller pieces and make it more manageable and then we have once a month the I don't know what their official title is, but I'm just going to say the lumber people for the city come by and can kind of take it away or again to circle of life it. We can post on next door and say hey, we've got some logs. If anyone wants to take it, you go firewood or whatever, and basically just went on and asked you, hey, does anyone have a handsaw that they don't mind borrowing, because it was it wasn't like a huge, you know, thick tree trunk. It was more of a smaller one than being able to find a friendly neighbor that's just looking to help. Always, always very nice. Go you don't have to look far. Hmm, I dig it. Maybe you touched on this with with communication being the answer to this, but what's the top mistake that couples make with their finances? Yeah, well, it's definitely relate it. So if you're out there and you're having some stress around your finances, the temptation might be, okay, we should cut our expenses right, and that's normal and natural and it's not a bad inclination you. That may be something that is helpful to do and for most of us, if we're not being really intentional with our money, there's some low hanging fruit that we can cut if we really just kind of went through our bank statements or credit card bill and really looked at what each thing was. But I would say in that spot, rather than going straight to the numbers, if you do that you create an opportunity for disagreement, right, because you and you're a significant other. You're not the same person, right. You have different preferences. So if you try and figure out which items to cut from your spending, inevitably there's going to be some sense of conflict. We're not going to see things exactly the same way, which, by the way, is normal and healthy. That's part of the fun. That's why we enjoy being with this person. They compliment us in some way. So if you go straight to the numbers, you are asking for trouble. On the other hand, if you come together first and get comfortable talking about money, really the stuff, develop a sense of trust and safety around it, and then ultimately figure out what is your big picture plan? Where are you today and where you trying to get to tomorrow? Then, once you actually look at the budget and try and figure out, okay, do we need to cut money? Now there's a real context for it, and if we do need to cut our expenses, how much, how many dollars, do we need to cut? Okay, let's somehow order these things that are on our budget or the things that we're spending money on and decides which ones are are and decide which ones are worth keeping and which ones we could cut, even if it's just temporary. Right. So I would say, rather than making the mistake of going straight to the numbers, which it can be asking for a fight, start getting comfortable, talking to each other, getting clear on where you are and where you're going, and then you can look more to the specifics. And I think that's a good way to to kind of uncover some of the different experience or values that you might have with money, because, well, you and I are, you know, are more frivolous purchases, are our hobbies or things that can kind of help us take a mental break. Maybe someone else's idea of like a you know, impulse for a less spend, as a new...

...yacht or something I've been rewatching Bow Jack Horsemen and he just kind of impulse buys a yacht, and I guess it's helpful and an escaping from the hubbub a little bit, but that's that's a pretty massive purchase. So Oh yeah, if there are two partners that kind of have those different values, talking about it as the first step. But where can they go after that? Yeah, it's a great question. So first of all, let me tell you it's amazing what happens once you start talking about things. When we are trying to figure out solutions two difficult situations on our own, then it seems like a very limited set of options. But once we start talking to our partner and understand each other's points of view, all of a sudden a lot of different options will show up. But bottom line, the first thing you need to do is figure out I like to call them the for essentials or your financial balance sheet. Right, you want to find out your income, expenses, assets and debts, so income, whatever is coming in from any source, right expenses, what you're spending, and of course this is going to fluctuate month to month, but it's good to get an idea of the baseline of the things you're spending every month, and then what kinds of purchases that happen once in a while, like a vacation or Christmas or anniversary. All right, so that's income and expenses. And then ask that's are anything of value, like your home or your for monk or anything like that. For us, maybe some sports member Billi a joey. And then your debts are anything where you own money, right, credit card debt, student loan debt, and it's also really helpful to know not just how much you owe, but what are the interest rates right, to see which ones are charging you the highest rates of interest. And that, let me tell you something. I don't know a number off top of my head, but the percentage of people who are really clear on those four things, it's excruciatingly small in this country and it's going to put you so far ahead of the game if you take the time to do that. So that's really place. That's the first place to go, because that creates for you your sense of where am I today in a not from where I feel like I am or where I'd like to be, but really from a place of integrity. This is where I actually am right and then it's from there that you want to go and try and figure out what are your most important goals and values and priorities, and when you do that, then you can look at those two things and figure out, okay, how do we bridge the gap? How do I get from where I am today to where I'd like to be right what's that going to take? And then you can create a plan and start executing on it. As far as getting all of that down, do you have a tool or something that you recommend? Or is like a good old fashioned excel or Google spreadsheet the way to gap? Yeah, so with my clients I start them off on a Google spreadsheet or which I've made and customized for my folks. The reason I start with a spreadsheet and why I recommend it is because, especially if you haven't been keeping track of these numbers, it's important for you to get that clarity and also to navigate any feelings that come up around it right, whether it's better or worse or the same as he thought. But it can be uncomfortable to go look at our expenses or income. It can be difficult to track down our assets in our debts sometimes or, you know, we don't like seeing that we owe that money and so step into that right. So that's part of the reason why I like to have people doing a spreadsheet. But ultimately, you know, this is something a lot of my clients care about. My clients are often in the millennial age range, or give or take. And you know, I have one client where are the man works in tech right and the woman's the therapists. They don't want to more complicated life. So initially, yes, I had them work with the SPREADSHEET, but now they've transition, now that they know their financial realities and they're communicating about it, they've transitioned to an APP and there...

...are some built specifically for couples. So a couple of that pun intended that I'd like to mention. One is called honey, do h o, any Y, do you e, and the other one is called Zeta Zeta, which their websites asked Zatacom, and they're neat because they were both built with couples in mind and each of the founders are really passionate about helping couples sort out their finances and strengthen their relationship along the way. So I like to recommend those two Nice Nice I like it. I'm certainly more of the spreadsheet audience, but I know there are lots of good apps out there. So good to have the options. And, as you may have noticed, over the past year we've been living through a pandemic and that kind of has thrown a wrench and I'm sure a lot of different plans, whether it was weddings being postponed or buying houses, things like that. So during this pandemic, because we're not, we're not out of the woods totally yet, what should people have been or, if they haven't, what should they be doing now with their money during the pandemic? Yeah, well, you know this size back to one of my favorite myths. Listen, let me first give a caveat. It's going to be, of course, different based on your situation. How much money you have in savings? How much money does your partner make? How secure is your job? Does your family have resources, but they be able to help out if things went wrong? So there's so much that goes to all of this. But because student loan interest rates are frozen at zero right now for government backed for Glans that were public loans from the government, a lot of people have suggested, okay, now is a really great time to pay off as much of your student own as you can while there's not interest or cruing, and in general, there's like paying off debt is, in general, a pretty good choice to make, right so no denying that. But during a pandemic, having cash on hand is so valuable because there's so much uncertainty in our economy. You don't know what's going to happen with your job. I mean I have one couple where the husband got his hours cut and the wife lost her job, and that can do a number on a budget. But the amazing part was because of the work they done with me. Remember the wife Said, Oh my God, Adam, I just realized on what my husband makes, if I wanted to be a stay at home parent, I actually could do that. I had never realized that before. And how they got there was by stripping down their budget to the essentials. But the first step was getting clear on what they're actually spending on and why, and which spending is aligned with their values and goals and which isn't right. And then when the pandemic came around, they went just to the bare necessities and when they looked at they say, wow, we actually need less than we thought to survive. And by the way, that's a family with two kids living and also an expensive metro area. So it's not that their expenses are like two thousand dollars a month, but less than they thought. And that's where that clarity piece is so key. And so if you haven't done that already, do it now. And beyond that, don't be so quick to give away your cash because, God forbid, you or your significantother lose their job and you need money, it's very difficult to get it from somewhere. Right a bank is not going to just typically give you a loan for personal expenses. So what happens if you don't have the money to afford it and ends up on a credit card, and now it's maybe hurting your credit score, you might be paying upwards of two thousand and twenty five percent in interest. That's not a good situation, right. So it's I'm not saying discouraging you from paying off debt. That's often a really great strategy, but make sure that you're being thoughtful about how much cash you...

...have. If you don't have enough, try and fortify that, especially during times of uncertainty. Right, if your job is locked in and it's not going anywhere and you make more money than you spend. That's a different dynamic, right. But during the pandemic, so many of us have face so much uncertainty that I I'm a big fan of having cash on hand and hanging onto it as much as you can, but then when an emergency strikes, like the pandemic, if you have to use that cash, don't be embarrassed to use it. Right. Just prioritize having access to cash and then use it if things get bad or there's an emergency. Something else that you do that I think is it's pretty unique from what I've seen, is you have a series of financial parodies. I believe my favorite is the parody of when Houstons I want to dance with somebody, but my faith all very all, very enjoyable. Where did this come from? Was it always something that you wanted to do, or did you just pair a love of music and fine adds is together? Joey, let me be absolute clear. None of any of this was anything I had always planned to do, like the fact that I had the right skill sets to start this work. I mean, like I said, it doesn't really exist there's a reason that couple's financial coachcom was an available url for me right like nobody had thought to call themselves that. So yeah, a lot of it was just a happy accident. But, like you, I'm a musician and when I was living out in California, which is where I wasN'til late two thousand and nineteen. Now I'm back in Florida, which is where it grew up, but I joined a cover band and I didn't end up staying with the band because I moved. But turns out we had a really awesome set list of great songs from like s s early and I don't know what was the exact moment, but one day I just said, you know, it to be a lot of fun to take some of these songs and I love writing lyrics, like parody lyrics, and I love trying to match the cadence and the syllables and plays on words. I'm puns are my favorite thing, much to this Chagrin of anybody who spends a lot of time with me, but that's okay. So yeah, it basically just came out of a desire to mix and match things that I love and ambashioned about and honestly look as a small business owner, as someone who is selling myself right. People are going to want to trust me and work with me to help them with this extremely important issue in their relationship, in their marriage. It really helps to humanize myself over I can, and it's I mean I just had a client recently who said, yeah, actually, a big part of why we were sold on you is because of your parities. Right. She told me that right as I sign up for a package to work with me, and I think it brings just kind of this human element for my audience. But for me it's really just about having fun and honestly, it makes for a really good social media content. And there are more in the works. The last one has not yet been recorded, let's say that. But I but I agree with you. My favorite is definitely I want to plan with somebody, the Whitney Houston parody, which is a no way to say I'm parodying Whitney herself. She is just one of the greatest singers of all time. But have a little fun with that song. You know, I want to save receipts with somebody and I want to play with somebody, right. So yeah, you know, it tied into what I'm doing. Some of my songs are a little bit more focused on social issues and like around economics and, for example, the gender wage gap or things like this. But they're all around finance and, like I said, particularly center around couples. Have you gotten any requests from either current or or potential clients of future songs to do? I have gotten requests. Sometimes they're good. You know, this is a musician Joey. Sometimes people have ideas and it's just like, listen, I'm so grateful for your enthusiasm, but that is not a good idea. That ain't it right. Like, I...

...mean, I've been playing piano all my life and I what they called perfect pitch. So typically, if I know a song, I can play it on the piano. But some of these people will be like, Oh, yeah, you should do like this song and it's, you know, a song that's kind of like hiphop, let's say, and it doesn't have so much of like a baseline, more of like a bass drum kick, and I'm like it's really and it's more to flow than a melody, and I like it's really difficult to play this on the piano. Like the instrumentation I have. It doesn't really fit with but listen, there's no doubt if I could one day drop a Kendrick Lamar track as one of my finance parodies, that would be a crowning achievement of my young life. Well, we'll keep an eye out for it, keep keep working at it. And that one's not on decade, by the way. Who knows, maybe the inspiration will strike after we maybe two thousand and twenty three. I guess he even kind of does it his his verse in the Lonely Island Song. Yellow is kind of already, I think, up your alley it where he's kind of just talking about at the refinance rate and that it's a great deal and to go for it. So well, listen, Kendrick talks about real life, right, and so, especially for him growing up in Compton, and so poverty is a huge part of what he talks about, right. I mean that's he has a song called money trees, right and like, and it's just about what he did as a kid to try and hustle for money and how he never had the opportunities that a lot of other people had growing up and how they hit he and his friends responded so yeah, there's definitely some opportunities there. I can't believe I'm saying that publicly, but we'll see what happened. Yes, well, well, I'm looking forward to him retweeting some of your work, and that'd be the day, will say, in the next thirty six months. Will Give you along a long buffer to work the perfect lyrics. Now one other thing I want to touch on. You mentioned how you're back in Florida now. We both have Miami ties at the University of Miami. All about the you and sen etc. And I what, what years were you there? Two Thousand and five, two thousand and nine. Okay, so just a year before me. I was there a two thousand six, two thousand and ten. There we go. Either one of us really got a great football team experience. Know I was the the first year of the demise. Really they they were really good and early in the year and then they lost a terrible home game to Georgia tech and got blown out in the bowl and then they got blown out at the last game in the orangeful my poor family who became canes fans along with me, and the team has not been very good since, but such is life. Such is life yeah, I remember that last game at the Orange Bowl as well. It was very, very sad to not score a single point and the one time we thought Miami did score, it's called back because of a penalty. I said, Huh, yeah, and I mean not only was it an embarrassing defeat, but it wasn't even against like a what if it was against a really top notch team? Was Against Virginia Cavaliers, great at basketball, football not so much. Right, and I admit I did quickly Google at forty eight. Nothing, Oh my God. WHOOF and sadly not the worst her kids home loss since, or at least loss. I don't remember that Clemson game. That was whatever. That was fifty five to zero. I don't want to talk about yeah, that's fine. That's fine. But you made the the move then from Miami to Duke for Law School. So what was that like going from I mean, I would say probably while we were there, Miami was, dare I say, a better basketball team, although it's still not great, but at least like competitive, and made the turney right,...

I guess, just one of the maybe maybe two of your years, I don't remember exactly. But and then you go to Duke which obviously a huge basketball powerhouse. What was that transition like as a hoops Fan? Well, first of all, anybody who has multiple schools, I think, can attest to this. It is always your undergrad first and foremost, right. So, if Duke is playing Miami, if they were and if they are and if they will be in the future, and of course they play each other every year, I'm always rooting for the hurricanes, just to be clear about that. But yeah, I mean it was definitely fun to be a duke. In fact, when I went to an open house to visit the law school, it was actually when Butler made their final four run and it was watching the Duke Butler game literally live at a bar in Durham, which is pretty cool experience, much closer than our most recent national championship game indeed. Yeah, yeah, so that was that was neat. I mean, look, it's fun to be in the school that excels from a sports point of view. It just, at least it's for me as a sportsman, right, just another thing to enjoy embomb with your classmates over and if your team does well, have a little bit of pride the moncture other sports fan friends. Yeah, it's always that. I've got a friend who lives out in in Raleigh now and he said once, once all this settled, he's like we're going to a duke and see game and I think. I think I'm excited for it. I definitely would have been pre pandemic, but I need to see how sports games go for a little bit with with full fan found them back before I'm ready to take the plunge. But it does seem just like an unreal experience, especially compared to Miami, were on most given nights I'd say it was thirty percent capacity and then when it was a really good school like do coming in, it was largely Duke fans that were there gonna attend it. But you know, it was cool right when I was at um they beat Duke get a home game one of my years. Probably was one of your years too, because I don't think it was my freshman year, and believe it was like the Kyle Singler Duke Days and the people who came out for the Basketball Games. We're real fans right, because everybody went to the football games. It was just an institution, so everybody went, but the basketball games the people are there were fans right they knew to keep quiet when you were on offense, they knew to make noise when you were on defense. They understood to not be screaming when the hurricanes players are shooting free throws. So it was a lot of fun to be part of that too. Yeah, it's great, great time, and we have high hop after this past season. The injury riddled team almost almost make it. Some noise and sea get into the tournament despite being several games under five hundred. But Ola exactly aways a fantastic time. Love it. Good high hopes to the hurricanes across all sports coming up and perhaps the seguentes nicely into our top three. But you tell me you want to do the sports team seasons. Are you? What? Are you feeling something else? I'm feeling something else. Okay, we're gonna have a little bit of fun. First of all, I'll give a taste, though. Two Thousand and three. As a South Florida Kid, two thousand and three Florida marlins before they were Miami, is my favorite sports season the period. That was an UPSTAR team that was supposed to have no business being in the race. They started off something like twelve and twenty one change managers and ended up upsetting the cubs in the National Championship series. That's the famous Steve Bartman game. And they ended up beating the Yankees and six, with Josh Beckett thrown a complete game shutout in the in game six to win it all. So that was my favorite sports season. Okay, but I'm going to throw a little change in there. I'm going to say my top three video game speed runs, because we've been talking hobbies today and a few years ago I started taking up speed running,...

...which is trying to finish video games as quickly as you can, right and so, as someone who grew up I'm a s s kid and so I a have beaten the original Super Mario Brothers game. My Best Times five minutes and ten seconds, and then Super Mario Three. My best time, I believe, is around eleven minutes and fifty seconds, Giver Take. And then I don't have an actual time for this one, but I have beaten Mike Tyson and Mike Tyson Punch out, and that alone is an accomplishment about which I'm very proud. Fantastic. That's I mean, that's more than I've done for sure in punch at and also in terms of the speed runs, I'm not good at them. I've tried occasionally just doing like a level. I'm being like how fast can I do this? And it's not great. It's not great results. Usually takes practice and it's if you watch other people who do it well that really helps to Oh yeah, learn one tricks. Just yeah, watching. I think the the one that stands out in my mind is the Super Mario Sixty four. We do that kind of fake, not fake, but like glitch jump, where you do a long jump but you've kind of hold yourself backwards so you can ye barricade through the walls and up the stairs and get to the final bowser. I've definitely tried that before. No idea how to actually pull it off, despite Zepruter film esque studying of these other videos and descriptions of people. My God, the complexity of that particular trick. It's I feel like it's on the level like watching the video explaining it was as complicated, if not more complicated, than certain like intro to quantum mechanics videos I've watched on Youtube. Like it is literally the world of supermarw sixty four has multiple parallel universes. Literally and you have to figure out how to like travel through them at the proper speed in order to come back in the proper place in the actual universe that you're playing, and it's just ridiculous. I don't understand it all either. Yeah, it's just so, so fanatical and and it's also I was just thinking of another speed run. I must have watched this like four years ago, but for whatever isn't it stuck with me, of these two guys playing gold and I, which I didn't even know you could play Golden I single player with two players. I don't know if they had moded things or what, but one of them was controlling the movement and one was controlling the shooting element of it. And there's some levels in there where it's kind of like, for the statue level, we're getting real nerdy now, Nishan, Nishan out here into one particular goal in ie level. What the statue level, you have to recover a black box from a helicopter that explodes and it's random where it shows up and they say while they're playing it, like Oh, if it's not in one of these, like it's like one, one or two spots out of a potential five or six like this whole thing is is not going to happen, like we're not gonna send the record. And this is, I believe, the ten level of the game. So you're halfway through the game already when you could potentially be thwarted based. Oh yeah, that could pewter just randomly spawns an item for you. Oh yeah, and so they just happen to go to the first spot and it's there and the goodness like, well, listen, Mario three has an element like that. You know, if you're trying to beat the game in the category that I did it in like eleven minutes, there's this part where they call the hands and there's these five when you're into the last world, there's these five spaces and on three of them it's literally fifty each space, whether you get a hand comes out and grabs Mario or not. And if the hand grabs you, you have us mini level you have to complete, and they take about fifteen to twenty seconds. So if you're talking about a speed run that's only a number of minutes, getting one, two or three hands can derail it completely, and that's, like you said, also in the like kind of second half of the game. And Yeah, it can be a frustrating category to run. Lots of...

...controllers thrown in frustration. Yes, will personally not really. No. No, yes, no, no, damage TV is by throwing a console through it. But listen, when I was a kid different story, but lately, okay, I've learned how to manage my emotions. Yes, yeah, I think I remember breaking a Dino Pet. If you remember those, they were like Giga pet adjacent, but specifically for dinosaurs, or you could get different kinds of dinosaurs and I I was about to get a Tarot actyl for the first time and then my dinosaur died, like during the hatching process. Oh my good, and I was like I just incubated that. I mean it was probably like a week tops, like not all the huge time investment, but as a kid, you know, that seems like forever. And I remember just like disgustedly, just like throwing it against the wall, like probably harder than one should, but not like super hard, and then that never worked again and that was my last experience of dinopets. So I'm sorry to Hasbro or whoever made those, but I did. I respect the infrastructure there, but that's that's neither here nor there, and well for us, but maybe, yeah, yes, yes, this is the the only podcast, I think, that's touching on both dino pets and Miami hurricanes, basketball and financials for couples. And we segue again, come in full circle, coming back nicely. If people want to learn more about what you do, see your parodies or just kind of get some more info about where they can get started with their finances, where can they go? Absolutely so. I mentioned this earlier, but my website is couples financial coachcom and you can find all kinds of content and resources there. I'm also on social media as at couple's financial coach on Instagram, on facebook, and you can connect with me there. And Yeah, would just love to chat with you. Would love to hear from you. If you already know your instant to work with me. I have a bit Lee link. It's bit period, Lhy, financial harm any consultation. That's all lowercase and one word, and that's to have a time for me to chat with you and your partner and understand what are the things getting in your way of having that clarity and teamwork and confidence and peace of mind around your money and the steps that are going to help you get there. And also, I should I guess I should mention the Youtube channel to just under my name, Adam Cole Koh well, and you can feel free to watch videos about managing money as a couple and or my songs. So I enjoy it. However you see fit fantastic. Well, Adam. Thank you so much for hopping on and chatting lots of good stuff. I'm like ready to start a spreadsheet now and really hammered down on everything. There you go. Thanks all for having me on. Joey. Absolutely and, as always, we got to end with a Corny joke. How do you tell an accountant to be quiet? I don't know, Joey. How do you just ask them to use their invoice? Good after it today people, good people, cool things. It's produced in Austin, Texas. If you were a fan of this episode, go ahead and hit that follow button. That helps more people here with the show. As always, you can send me a message Joey at good people, cool thingscom. Thank you to all of the guests who have been on good people, cool things to check out all the old episodes via good people, cool thingscom. As always, thank you for listening and have a Wonderful Day.

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