The Year of MBD Quotes, Who Said It? Neal or Toby?

0:00Tuesday on NBC, Jimmy Fallon and Bozma St John host the highly anticipated new competition show. I hired 10 creatives from all walks of life. They will be battling it out to see who can impress the world's biggest brands. This is a huge opportunity. This is the battle for the next big idea. This is not play-play. We're spending millions of dollars. I'm so excited to embark on this adventure with all of you. Make the best idea win! On Brand with Jimmy Fallon. Series premiere Tuesday on NBC. Good morning, Brew Daily Show. I'm Kyle Hege. I'm Neil Freiman. And I'm Toby Howell. And on today's episode, we see if Neil and Toby can remember the brilliant things they said throughout the year.

0:41It's Thursday, December 26. Let's ride. Hey, that's my line.

0:50So today we have a very special episode of the podcast with a game called Who Said It? And this is actually our second annual time we've done this. The rules are very complex. All right. So stick with me here. I'm going to read a quote from the podcast that was said during 2024. and you're both going to guess who said it. So crazy stuff going on. So I'll read the quote. You do discuss who you think said the quote. Maybe you agree. Maybe you disagree. And then bonus points if you can tell me the context of the quote. And if you can name a specific episode and date, it was said, then, like, you might win a brand-new car or something.

1:27We encourage you to play at home, so feel free to pause the show, think to yourself who said it, or better yet, play it out loud on your commute, get everyone guessing who said it as well. and it's the only time this year that all three of us, I believe, have been in the studio at once. The government said it's too powerful when we get together, so they let us do it once a year. Do we have a designated survivor? Oh, no. I don't know. We'll have to talk to the producers about that. And I just want, before we start, I just want to thank Ray, our producer, for going through hours and hours and hours of footage for finding these quotes, and to you, Kyle, for hosting.

1:58Of course. This is one of my favorite episodes, so let's make it a good one. Are you all ready to play Who Said It? Let's do it. All right. Quote number one. It does feel like the layoffs of early 2024 do have some AI tinge to it. When you listen to these CEOs doing their layoff announcements, it's more strategic focused on reorganizing. It's not like the layoffs of 2023. Weird use of strategic there. Yeah, but pretty insightful. So I think me. I think I think me. I think it's Neil as well, because I would have used strategically, not strategic. Okay, so you would have used it properly. Yes. So Neil did say this.

2:36Yeah. Now, this was on a pretty special episode. Do you remember what episode this was from? Wait, so these layoffs have a tinge of AI. Oh, I know what you're talking about. It's when we interviewed Mark Zuckerberg. Exactly. It was the year of Zuck. It was the Mark Zuckerberg interview, and I think you were talking about should people be worried about AI taking their job. So, Zuck, thank you for that really great quote, and you are correct, Neil. Had that insightful wisdom. number two if I were a betting man in this scenario I think Warner Bros relinquishes the TV rights for the NBA because it's so expensive I'm a betting man but say Toby I think yeah the question is who is the bigger DraftKings addict I know I I am first of all Toby Toby bets on different types of things not the NFL like I do um if I were a betting man well okay so it was You don't play stuff like that.

3:27I know. I don't. But also, it was correct, though. They did relinquish the rights, even though they are fighting for them still. They still. No. They settled that. It's gone. If they're. So, it is correct, which means I must have said it. The answer is Toby. Let's go. You are using your correct heuristic. If it's right, Toby probably said it. The NBA TV writes rough for grabs between major media companies. This was from May 10th, episode 320. Okay. Yeah. So, TNT. The NBA is leaving TNT. Goodbye. Although inside the NBA, they did come to an agreement, so those boys will still be on your TV screens, which is what we all wanted.

4:04We're still going to have Sir Charles on TV, which is great news. All right, number three. Quote, you want to bring tourists to your neck of the woods, but you also want them to behave responsibly and be respectful of the businesses. What a thoughtful quote here. Who said it? Sounds like me. Yeah, this is either two things. Well, we did a lot of stories this year about countries kind of cracking down on tourism. One was like Milan started these rules of like quiet hours after a certain time. There was also people in Barcelona. There were I have a guess that this is what you're referring to. We talked about protesters in Barcelona firing water guns at visitors at restaurants.

4:45There's one wild card, though. I remember Amsterdam put out a call banning British men from specifically visiting the city. So there was a lot of stories. Yeah, that was certainly a theme of the year was over tourism. I guess we got sidetracked here. I think I said it. Yeah, Neil said it. Okay, so the guess is Neil said it and it's about over tourism mainly abroad. You're wrong on both accounts. Well done, guys. Toby said this, and it had nothing to do with Europe and international travel. It was Miami launches ad campaign to deter spring break. You all were thinking too intellectually. Yeah. I mean, it is over.

5:22Got to look closer to home. Wait, say the quote again. It was you want to bring tourists to your neck of the woods, but you also want them to behave responsibly and be respectful of the businesses. I think Miami spring break was getting a little out of hand. Miami Beach spring. They basically tried to cancel spring break. Yeah. But if you go to Miami Beach, you're not trying to behave responsibly. That's the whole point. That is the whole point. I have been to Miami Beach during spring break, and people do not behave responsibly. We'll move on from that. Number four. This one is nice. We're breaking 85 in golf this year.

5:53I mean, that's amazing. That has to be me because Toby probably hasn't shot over an 85 in like 15 years. So that's my goal. And I think I did. I shot an 84. So that's good. Hell yeah. Congratulations. Do you remember when you shared this, though, Neil? You are correct. No, no idea. Was it a New Year's resolution? Ding, ding, ding. It was your New Year's resolution. The first episode of 2024, and you pulled it off. That's huge, actually. Huge news on the podcast. I remember Stockbridge Country Club in Massachusetts. He had a great golf year. A long putt for 84, and you just synced it on 18? I don't remember.

6:29I probably flailed into the end there. All right, we're moving on to the next quote. This one is pretty serious. We've never seen anything like this in the history of financial markets. when a company's earnings report has become as important as the jobs report or the inflation report or a Jerome Powell press conference. Who said it and what was this quote about? I think it's Neil and NVIDIA, right? The two N's right there? Feeling good. The double N, N squared. N squared. You are correct. You guys nailed that one. It was Neil, NVIDIA. You probably said that a million times on this. A million.

7:03It was certainly the most important company of the year, the most important stock in the world. each earnings report was a massive event they had a watch party here in new york city at a bar over it uh i would say uh you know certainly nvidia's earnings may be we may have hit peak nvidia earnings i think but uh for a time there over the summer it was it was quite insane it was fun the numbers were gaudy we were really mad that we didn't come up with the idea of hosting a watch party either it was a little bit of a nerdy event for sure the people who during like before the workday is over goes to a bar in manhattan just to watch you know nvidia's earnings drops it was a fun time but yeah unless they somehow double revenue again which seems unlikely it probably won't be as big of an event but still you know a gangbuster of a year for them it would be really fun if you all did like earnings report watches with neil has wanted to do like college game day ask for like the jobs report or something like that.

8:03If you have it, I just got to be on the panel. You're on it. You're on it. You're Pat McAfee. We'll get Nick Saban in the house too. All right. Next quote. I probably account for 50 % of global sales of Breyers. Me? I don't eat Breyers. You don't eat Breyers. I used to eat a lot of Breyers chocolate ice cream, but I don't see it anymore. It got super expensive. So I would say that quote refers to me from age 8 to 16. Okay. Right. But what is this? Exflation has taken away your love for ice cream. Yeah. What is this in reference to, though? So it was, Neil, it was March 20th, so it was earlier this year, and it was about parent company Unilever trying to sell its ice cream businesses.

8:42Right. Oh, yeah. And it was also, they cited, too, that it was so hot that it was bad for the ice cream business. There is, like, an ideal temperature in the summers. If it gets too hot, people don't want to eat ice cream because it just melts there. So that was the first time I ever considered the fact that it could be too hot for ice cream. It's probably good we're getting corporate interests aligned on not having climate change. Yeah, ice cream companies are going to fight this. Wait, let's go around here. What's everyone's favorite ice cream brand? Ben & Jerry's. What flavor? There's Americone Dream, which is really good.

9:12If I'm not doing Ben & Jerry's, Salt & Straw, now that's in New York City. And that is a Pacific Northwest staple. That's a bougie answer for sure. Delicious as well. I grew up on Edie's, which not a lot of people did. My uncle used to work for them. It's E-D-Y-I-S. Oh, yeah. I've seen that. If anyone's done a crossword puzzle, Eadie's is in pretty much all this one. And it is underrated, I will say. I just never meet anyone who actually eats it. But since I had the familial tie, I was an Eadie's family. Going back to Americone Dream, someone – so Stephen Colbert. That's Stephen Colbert's flavor.

9:46He lives in Montclair, New Jersey. I was talking to someone from Montclair, New Jersey. They saw he went to a supermarket and bought Americone Dream. He bought his own ice cream. That's like Michael Jordan buying Jordans right there. Also, we're doxing Stephen Colbert on that. It's a well-known fact. Public interest. All right. We're going to move on to the next quote. Every media company now has a streaming platform. So how do you stand out these days? It's having live sports. Oh. I mean, it's a pretty generic quote. Let's be. I know. I think I've heard every single person say that. The first part, I thought it was going to be in reference to Chick-fil-A launching a streaming service but then i think it is like a netflix uh thing bidding on live sports they made a ton of you know inroads into that i'm gonna give you the date and maybe that helps you identify what they're specifically talking about it was an early episode january 16th so that seems i was here on january 16th that seems a little that that was in reference to uh the mike tyson jake paul launch no this is no yeah that's way too early for that well i'm saying they announced it you You know, it just happened.

10:53Or the Christmas Day NFL games. Still seems to. Either way, we're not answering the question. I'll take it, but I don't think it's in reference to those sporting events. Oh, WWE, right. Maybe it was WWE. It was Peacock streaming the Chief Dolphins AFC wildcard game. And Neil said it. All right. Neil said it. All right. I love this next quote. Okay. This is a classic case of the over-engineering that has gripped our society. Why can't we just have a low-tech vending machine? What was wrong with the former system where you put in a quarter, you type F3, and you get a snack? Someone is on their philosophical society level quote here.

11:34Who said it? If I remember correctly, Toby did a Toby's Trends on people acquiring vending machines as a side hustle. So that's the only thing I can go off of. So that's what I'll say. And I guess we are railing against vending machines getting too – Like Coke Freestyle. Oh, no, it's not Toby's Trends. It was the facial recognition technology at certain colleges that people were like freaking out about. Like, why does our vending machine need facial recognition? And it still was me, though. An incredible call. It was, Toby, and you nailed it. It was about the facial recognition technology on college campuses.

12:07You all have, you have like very good memories of what you all said. Two vending machine stories this past year, though. That's pretty good. It was either NVIDIA or vending machines. That's all we're talking about. Okay, next quote. quote, this is what you've always seen in music, people pushing the boundaries. This is why music is an awesome medium. A deep quote here. Deep. Someone did the research on this one. Music pushing the boundaries. It does. I mean, it's probably me. But I can't. Toby likes music, but he doesn't wax poetic about it. Okay, well, let's try to think of the context, though.

12:43Yep. I mean, there could be so many things. I don't think we would say that the Drake, Kendrick Lamar beef was necessarily pushing the boundaries of music. So maybe process of elimination, that is not it. I'm drawing a blank here. You got to help us out. So it was February 2nd. Toby actually said it, which this is why music is an awesome medium. That feels Toby-coated. Yeah, it doesn't really mean much. It was Beyonce announcing her country album during the Super Bowl. Okay, I feel better about it now. A throwback to the Cowboy Carter. All right. I love this one, too. Bring a megaphone, especially if you're a podcaster.

13:25Bring a megaphone, especially if you're a podcaster. I have no idea. Bring a megaphone. It's like a field day. All right. Get the calendar out. It's April 30th. We're still early in the year. And this was in reference to an extracurricular activity that one of you two did outside of the studio. That's what I said. That's exactly what I said. Toby hosted field day. Wait, when was it? It was in April? Yep. Was it my sister's wedding? Because I hosted field day at my sister's wedding. You all nailed it. There we go. Exactly. Toby said it. Toby lost his voice hosting field games during his sister's wedding, so if you brought a megaphone, you wouldn't have to yell.

14:03I literally couldn't talk the day before the podcast, but that was my Jordan flu game. I played through the pain. Have you found yourself in loud music situations where you're yelling and you realize you have this the next day and you're like, I think I'm just going to shut up? A little bit. Well, first of all, music is a wonderful medium. It is. And second of all, sometimes I do, I feel the voice straining if you go and socialize too hard and you got to tell me that. This is the way I make money. Protect the money maker. I think from a corporate risk standpoint, we need both of our vocal cords insured.

14:33Our vocal cords. Yeah, we got to talk to someone about that. All right, next quote. That's one of the problems with buy now, pay later. When you make these purchases, you can't build credit through them. Really good analysis here. Who said it? I remember this story, too. It was just about a report that it was this huge blind spot in terms of creating credit reports is that buy now, pay later didn't contribute or hurt your credit score. So it was just like this lurking beast of a thing. Right. Some are calling it phantom debt. Phantom debt. There it was. So who broke down phantom debt? I think it was me.

15:10I think I introduced that story. So I'm going to say. Let's go with Toby. It was Neil. Oh, my gosh. I need to just learn to read your Facebook. I think I'm giving it away. You two are looking at each other too much. I think what happens is one of us introduces this story, so they think that's who said it, but it's probably the person who replied to this story that we got. With the nice clip. So we have to invert our thinking here. Okay. Yes. Okay. Next quote. I just say, quote, you know your deal is stupid. It's going to go to zero because it's a bad idea. It doesn't mean you're a bad person. Take it behind the barn and shoot it.

15:44and try something else. I'm the only one that tells the truth. That would be Mr. Wonderful. Kevin O 'Leary. Kevin O 'Leary from Shark Tank. We interviewed him on Black Friday, and he was pretty unsparing in his criticism of his fellow sharks on the show. It was pretty fun to see him in a podcast setting because he is the exact same as how he is on the show. He also has his phrases. He loves saying, take it behind the barn. Yeah, I don't want to see the behind his barn. He has said that to entrepreneurs face-to-face, and so it's part of his lexicon, and he busted it out in our interview as well.

16:22Did you end up taking any of his advice to get into watches? I mean, I have looked. I have paralysis by analysis because Mr. Wonderful is also a big watch collector. No surprise there. I wore my Apple Watch in, and he was just going in on the fact that Apple Watches have no soul. You need to get into more collecting of these art pieces, and he gave me a few names. But then I looked up the price tag and I got a little nervous. So I'm still rocking the Apple Watch. Well, if Rolex, Patek, Grand Seiko, they're listening. Sponsor the pod. He's like five levels deeper than those brands. Yeah. Well, he's a Patek guy.

16:56Patek guy? Patek guy. We'll be right back with some more quotes.

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19:22There needs to be less fear-mongering around it. It's got to be you, Kyle. No, no, no, no. It's Kyla Scanlon, I think. It's our interview with Kyla. Because we talked about de-dollarization with her, and it seemed a little bit more insightful than what we came up with. I just have to say I'm honored that Neil heard de-dollarization. He goes, yeah, it was Kyle. You're more opinionated than we are. So I would never say something like this gets on my last nerves. That's insightful. Was it Kyla Scanlon? It was Kyla Scanlon. A really good interview you all did. And apparently she – de-dollarization gets on her last nerves.

19:56That was probably one of our favorite interviews of the year because Kyla is an economist, but she also can speak very colloquially about these things. So she can say things like D dollar station gets on my last nerve because she thinks about that stuff. So, and it has been a little bit more of a talking point in recent months. I mean, as we're recording this, uh, some of like the BRICS nations have floated the idea of decoupling their economies from the dollar. So Kyla just needs to go in front of, you know, these, these nations and say, it doesn't make sense to D dollarize. But yeah, that one was, if you haven't listened to that interview, I highly recommend going back because that was one of our best of the year.

20:33Agreed. Very insightful breakdown there, Toby. For next year, we need to take a quote from this episode. It's just a meta quote. It's going to be a meta quote. All right, moving on to a next quote. I think COVID changed people's perspectives on trade work. As businesses shut down, people realized that trade work and skilled trade workers were reliable, well-paying jobs that weren't going away. I think this was a Toby's trends of like plumbers and electricians being just more and more in demand because they have these hard skills and it was like part of the disillusionment with going to college because why would you go to a four-year institution get all this debt when you could go into a trade and immediately start making money it's like a two-year institution so but I'm gonna do the the rule we just thought about if I introduced it it usually means it's Neil because he responded to the story.

21:25You guys are two in your own heads now. No! It was Toby. Shoot! It was Toby. It was about Gen Z skipping college and going to trade schools. All right, moving on. This one's very fun because it starts with, it is just club bangers one after another. I was listening to it midday yesterday, and I was like, I really shouldn't be listening to this right now because I need to get on a dance floor right now. I think I said that about the Charlie XCX album. Wait, I don't even remember you saying that. Literally, Neil sang. You two were talking about the song in the summer. This was in reference to Charlie XCX, and it was Neil.

22:02Well done. Club bangers. I would say prescient, too. Very prescient. Yeah, you absolutely nailed the Brad Summer. That is funny, though, because you do listen to Charlie XCX. You did go through kind of the song in the summer era. I exhausted that album pretty quickly. Really? It's kind of like one note, pretty intense stuff, and I think I like some more mellow things. just to balance it out. But luckily there was an insane amount of amazing music this year. You had a brag girl era and now you're moving on. Yeah. That's fair. Next quote. This is really just an example of how TikTok can play into spreading some not-so-sound financial advice.

22:39I mean, this was about tax advice spreading on TikTok where people were saying you could, like, write off your little small white puppy as a guard dog and just saying a lot of interesting things on TikTok. I'm sure that happened, but it's not correct. There was one trend that went pretty viral on TikTok, and it – Oh, was it the bank glitch? Bank glitch is very close. I think that's what it is. Like the infinite money code. Out of the ATM. Yeah, out of the Chase ATM. Yes. So it was the viral Chase ATM trend where people were basically committing check fraud when you broke it down. Who said it, though?

23:16Was it Toby or was it Neil? Say that again. Say the quote again. This really is just an example of how TikTok can play into spreading some not-so-sound financial advice. Toby. Not-so-sound sounds like me. You guys know yourself well. It was Toby. I would have done that in just one word. He needs three. I like not-so-sound, yeah. Yeah, Neil is all about brevity. What an evergreen quote that is, though, because TikTok does constantly spread not-so-sound financial advice. You could have said that on any episode during the year. By the way, actually, when I do not-so-sound, it's because in my head I want to say a much harsher word, and I have to dial it back.

23:57And so what comes out is this hedged word of not-so-sound. Just say what you mean. Lean in, Toby. We're doing a writing workshop right now. Right. I know. It is. But I remember thinking I'm about to say a curse word on air. Let's dial it back. Not-so-sound comes out. So that is why sometimes those phrases emerge. So if you're listening at home and you hear Toby say not so sound, just know he's actually swearing. He wanted to say something else. All right. Next quote. I think people are looking at the broad candy market and seeing people are innovating in the candy sector. They're not innovating as much in the chocolate sector.