스크립트
00:00:00do you think lifestyle inflation's become a bigger problem than inflation itself
00:00:04oh bigger problem i wouldn't say oh it's a good question you're a professional podcast host that's
00:00:10nice damn um i would say inflation is worse overall i'd say worse overall because that impacts
00:00:19everyone that's not your choice right such a choice but i'd say on a personal level yeah
00:00:26no that's bad that's bad that's gonna that's gonna you over when someone gets the 20 no no
00:00:31one gets a 20 raise okay when someone gets a five percent raise but increases their spending six
00:00:37you know that that is very common on our show you know what's interesting people on financial
00:00:41audit that are doing worse are the highest income earning episodes people often um you know you open
00:00:47the show with uh getting death threats and stuff and death threats and it's kind of minimal but we do get
00:00:53lots of complaints and stuff about the show one of our biggest complaints is you know i'm yelling and
00:00:57making fun of poor people those are actually the people i usually make fun of and yell at the least
00:01:02it is the high income earners that if they just fix a couple things they can get out of debt pretty
00:01:06quickly but they also get into worse debt because they have a higher income so they get approved for
00:01:10more debt they're always the worst off they lifestyle inflate i swear the closer they get from 100 to 200
00:01:17to even a half a million dollars a year the worse debt the more credit cards the more time shares the
00:01:23more cars the more bullshit they have it's it's impressive it's so bad it feels i think probably
00:01:31incredible to a lot of people that you could earn half a million a year and have a bad financial situation
00:01:38which i wouldn't be surprised if the majority in the united states didn't who make that much why
00:01:45you have a half million go get yourself the nice house go get yourself the nice car the nice clothes
00:01:50why not you worked hard deserve it it's in our culture we want we're consumers do you think that uh
00:01:58the things that richer people waste money on different to the things that poorer people waste money on
00:02:05absolutely i'm trying to get over my fear of flights and i guess i'm rich now so that's nice
00:02:11i'm knock on wood with all that help you get over your fear of flights i rented a pj tell me so that's
00:02:16a waste of money easier or easier or harder so it's a control thing for me i don't like being stuck in
00:02:21a situation that i can't control do you know how to fly the pj no but i can say let's land i can't do
00:02:27that with a commercial uh well you can you could make a big enough fuss that you would like but it would be a
00:02:32real headache and bad for my career too so that would be a real headache yeah but like um so
00:02:41pause yeah what was the first time with your travel anxiety getting on a pj like
00:02:49um it was for oh the pj itself it was actually really bad when we filmed it we filmed it it's on
00:02:56the internet i burst down in tears it's really bad i'm sorry man oh it was it was anxiety like it's
00:03:01not i don't think that you should dismiss it like that so ah but it's not like something bad happened
00:03:06to me right like anxieties make belief it's like it's not real my brain thinks it's real but it's not
00:03:12so i was crying i was sad but you know what was actually making me more sad and crying a lot of
00:03:16people thought it was out of pure terror it was remembering a lot of the things that i haven't
00:03:21done a lot of the family i haven't visited because of my fear of travel grief as much grief as it was
00:03:26anxiety yeah so interesting point here there's a guy called vinnie shawman who's a hypnotist in the uk
00:03:31i have a friend my friend's name is sky king sky king right this guy lived in hawaii
00:03:39while he was a kid flies all around the world loves asia been to japan a bunch of times
00:03:44out of nowhere just developed travel anxiety bad travel anxiety tried to get on a plane couldn't
00:03:50bailed out tried to get on a plane couldn't bail i think this happened maybe
00:03:53six eight maybe ten times and i put him in touch with vinnie now some people have better results
00:03:59with hypnotism some people have worse in a single session vinnie fixed his travel anxiety and i don't
00:04:07know what the full story is but i know that the simpsons theme tune is an integral part of the
00:04:14anchoring for how he gets over his travel anxiety interesting and uh that was real interesting that
00:04:22was like it's a cool gift to give somebody to unlock that but i i know what you mean
00:04:29there is nothing wrong rationally in terms of the utilitarian approach view of the universe there is
00:04:35nothing happening but your felt experience of yeah i'm getting on this jet that i've paid money for
00:04:41that's kind of a momentous occasion for me it's this landmark as a person who talks about money
00:04:46doing something that's kind of canonical in everybody that has money's life
00:04:50and my experience of that has been tarnished by the fact that i've got this thing that isn't me that
00:04:54i don't want in me and is kind of behind the steering wheel a little bit i think that's i think that
00:04:59makes sense but it was nice because i was working with a panic therapist at the time and just started
00:05:04working with him again thank goodness because i need to get over this thing uh and he didn't let me
00:05:07get off like like was he with you of course i yes so i brought him how you brought your panic
00:05:13therapist on the jet with you it was our plan you know we kind of oh it wasn't like an intervention or
00:05:18something well actually technically i heard him the day before so we already decided but yeah
00:05:22um so we brought him with us he's really cool and i'm working with him now again and we have we have
00:05:26a game plan uh to get over it but um yeah it was it was really simple it was austin to san antonio so
00:05:33it was nothing i just i wanted to get on a plane again because i was just preventing myself from
00:05:37getting on a plane so that's a very quick flight how long had it been since you were on the decade at
00:05:42least yeah so mostly road trips places but even that still gives me kind of anxiety um which is
00:05:48just i hate it um um but you know we have a game plan we're doing some things i want to go be on some
00:05:55more shows i mean dude if some people's exposure therapy is we just need to get a spider and put it
00:06:03in the corner of the room your exposure therapy requires a private jet exactly it's a slightly higher
00:06:09bar it's just as well that you're rich because if you won you'd be with this thing exactly exactly
00:06:15what really sucks is the same exact model private jet i was in just crashed in laredo texas yesterday
00:06:21and a ceo in austin texas died on it so that's like kind of with me that plus all of a tree
00:06:28there aren't many forms of air transport that are feeling pretty safe right now yeah the next one's
00:06:34a commercial we're doing a commercial next we're doing some long road trips to come i would book
00:06:38if i was you i would try and get maybe your row and then one behind one in front i was thinking that
00:06:44just in case there's a you know one of those i just didn't want to be around people but yeah
00:06:50that's also nice that's also nice uh so you've got some anxious panicky tendencies yeah really just
00:06:57that one thing you've built you've built a show which is essentially high stakes live confrontation
00:07:02right with strangers about their most shameful secrets yeah you're someone who has panic attacks you run a
00:07:07show that gives other people panic attacks yep is that a coincidence or is this just like the most
00:07:13elaborate exposure therapy ever it's great i mean that's what people have to go through they have to
00:07:17go through it what's actually nice is because of mine and i'm uh you know working with my guy for a
00:07:24while now like i can actually work through them pretty well and now if someone actually does have a
00:07:28legitimate panic attack on the show i can help them through which is pretty nice oh so we just pause the
00:07:33cameras and do that real quick and then what is your process somebody is sitting opposite you you're
00:07:37pushing you're pushing you're pushing the realizing how but you actually just explain to me what you
00:07:44think is happening inside of them inside of their mind somebody's got a lot of debt maybe they've been
00:07:50hiding from it like what's their emotion before what do they get to and then i'm interested in what you do to
00:07:56bring them back into land as well usually i can tell they kind of just go flat faced in that moment like
00:08:01they they disengage their eyes is kind of go blank and maybe even like a little bluish
00:08:06um and i'm like oh okay so we just literally pause i'm like hey okay you know i go from the crazy voice
00:08:12to like just down to like hey you okay remember you know it's like of course they know it's like real
00:08:18and everything but i'm like yeah we can take a pause you know you can take a break and then i help them
00:08:22do if they're like actually having anxiety attack i'll do like a breathing exercise real quick it's
00:08:26like three and six out and um that's pretty rare these days but uh and we definitely have people
00:08:32that need to do like a lap around the building a producer will take them or they need to go outside
00:08:36and hit a bike that's that red yeah hit a vape that's good that's why jared i need a fucking e-pipe
00:08:41for the people that are listening i require i want to be able to come up with i want to be able to
00:08:48pontificate uh but i want to be able to do it with nicotine so if anyone can find me a pipe that looks
00:08:53legitimate like this but i can have some nicotine and that would be able to um i wonder whether part
00:09:00of the reason that you're not inducing as many panic attacks is because you're getting soft in your old
00:09:04age you think so yeah i wonder whether it's because you've taken your foot off the gas i just threw
00:09:09something at someone the other day you'd be here there's so many projectiles so many potential
00:09:17projectors some of them are heavy as well well honestly i am proud of it i think our our onboarding
00:09:21process is so thorough we've had people that have uh come to work with us or people that interviewed
00:09:26with us that have worked for like dr phil and a lot of other type shows dr phil's close in dallas so
00:09:31that's why him specifically but they go through our process and they're like this is crazy i've never
00:09:36seen an onboarding process process like this at all because usually for like i'm not speaking dr phil
00:09:41at all don't sue me but many shows like that daytime tv they don't give a fuck about their guests
00:09:48but we actually really care because one they're members of our audience so a little selfish there
00:09:52okay a little selfish i want members if you kill them you're going to reduce the audience size yes
00:09:56exactly and i want them to do well whether that's you know you could look at it from two perspectives
00:10:01pretend like you hate me and i'm the selfish most piece of ever fine take that obviously i want
00:10:05them to do well because it proves it in spite of me or do it because of me it shows that it works
00:10:09it shows that the show works so i don't care about how what the mechanism is it can be because you
00:10:14don't like me i'm an asshole you want to prove me wrong saying that i don't think that you're going
00:10:17to be able to turn it around or because you love me and you think that my advice is worth listening
00:10:22to and you turn it around yeah and or there's the second option words and that's the real option
00:10:28that i actually really do care about how they succeed so i really want them to do well and the average
00:10:33gas pays off it's just over like twenty thousand dollars and twelve months of debt after coming
00:10:38on financial audit that's our most recent annual report we do one every december i've learned from
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