🌮 “From TACO to BURRITO” — Trump’s next trade war trade. Jimmy Butler’s super coffee. Target’s influencer turnaround.

0:00This is Nick. This is Jack. It's Wednesday, so VJay Wednesday, July 16th. And today's pod is the best one yet. This is a T-boy. The top three pop business news stories you need to know today. One week, count them one week until our live show in Chicago. Tickets still available, Jack. Here we go. July 23rd in Chicago. Tap the link in the episode description to snag your tickets. Okay, Jack and I actually whipped up something special. We're giving away some merch to some lucky attendees. You want to share what it is, Jack? We actually have some Yeti dolls, basically adult stuffed animals that we're going to toss out to the audience Oprah style.

0:34We got some Yeti, La Boo Boo-y Yeti dolls. So snag your tickets, besties. Bring a buddy. And Jack, let's hit today's three fantastic stories. For our first story, the taco trade is that President Trump announces tariffs and then he chickens out. But this time, we think he won't. In fact, we have a new theory that we call the burrito trade. And it just might put a hurtin' on Wall Street. Oh, yeah. For our second story, Jimmy Butler, the NBA all-star and gold medal winner, just opened his second coffee shop. It's called Big Face, and get this, they sell a flight of coffee for$100. Because coffee is copying wine.

1:12Coffee coming after the cabs. And our third and final story. Target is Targon. While all its big box competition is at record highs, Target is down 60%. So Jack and I have a solution. Target should become the physical store of the influencer economy. But yet he's before we hit that wonderful mix of stories. Whoa! What a mix for a T-boy. Actually, Ceviche Wednesday. Love the mix, Jack. We know your favorite part of your favorite car. It's not the engine. and it's not the speed, and it ain't the heated massage seat. It's the cup holders. The cup holders. Jack and I have told you about it. We call it the cup holder effect.

1:50It's that you're more likely to choose your car based on the number and placement of cup holders than the number and placement of the horsepower. Six cup holders, boom, that beats six cylinder engines. But according to J.D. Power's survey, cup holders across the country are failing us drivers. And the reason is shocking. It's the Stanley Tumbler. J.D. Power surveyed 92 ,000 Americans about their cars, what they like about them, and what they don't like about them. And their fastest growing frustration? It's the cup holder is too small. Cup holder crankiness jumped four spots on the list of top car complaints this year.

2:26Because of Stanley Cups. They've gotten too big for that Buick. They've gotten too large for that Lexus. Jack, there's too much girth for your VW golf. The 64-out Stanley Tumba? It's five inches wide at the bottom, Nick. True story. That's some circumference right there. It's like this double the size of a double big gulp. Okay, Bessie, Jack's big dumb cup is 40 ounces. He has to put it in the trunk when he's driving. I got it right here. It does not fit in a standard commission-sized cup holder. You need a tractor trailer for that thing. But to sprinkle on some context yetis, the cup holder was invented in the 1970s, right around the same time as the fast food drive-thru.

3:03And today, it's the Toyota Sienna. That's the queen of the cup holder. 18 cup holders. that's enough for a whole team, man. But the size of those cup holders just hasn't adapted to the modern water bottle. So the way we see it, to solve today's cup holder crankiness, we're gonna need some jug holders. Yeah. Hey, Stanley, pause the Stanley Cup. Build this a Stanley cab. Because Jack's holding his tumbler between his thighs and that. We're gonna need to see some license and registration. That's dangerous. Pull over, sir. I'm already pulled over, Jack. Let's hit our three stories. 15 years before this song, Two boys from the Northeast met in a dorm.

3:39They had an idea to cause a cultural storm. It's the best one yet, but the best is the norm. Jack Nick, that's it. I don't even think they need to practice. 50%, that's a fat tip. T-Boy City on your at list. If you know, you know, cause we ready to go. We can't wait no more, so just start the show.

4:00Start the show. First, a quick word from our sponsor.

4:11Another Nine. Yetis, we've all heard of side hustles. You find a way to make extra income on the side of your day job. But what if your side hustle was more of a side leisure? And what if it involved hitting golf balls every minute of the day? I think that's called a hobby. Actually, no, this is the real idea behind launching a franchise of Another Nine, the ultimate indoor golf experience. Another Nine is a network of golf simulators open 24-7. The business is built around private simulator suites that guest book by the hour. And it's powered by the same TrackMan technology used by the PGA Tour.

4:44Now, Bessies, we're not talking about playing golf here. We're talking about a franchise opportunity to open up one of these things and run it. And it'd be semi-passive income. There's no staff needed on site, so there's some management required while the golfers are swinging woods, but not so much management that you need to commit to this fully. Actually, another night was started by a couple of guys with young kids who just wanted to play more golf anytime they wanted. Now they've got 70 locations and want to add more. You could be number 71 by launching Another 9 Franchise near you. So head to www.franchise.another9.com to run one of your own.

5:14That's www.franchise.another9.com. Monarch. Yeah, it is. You know my first money lesson? It was where to put our lemonade stand. I was wondering, it was on the Upper East Side. Do we do it on Lexington Avenue or Park Avenue? Wait a second. New York City has lemonade stands on the sidewalk? They didn't. We were pioneers, Jack. Lexington Avenue is more commercial. Park is more residential. So what did we learn, Jack? Families are willing to pay more for lemonade. So you set it up on Park. Yeah, we did it on Park. Besties, no one gives you financial lessons in life. You end up figuring most of it out as you grow up.

5:44But we love Monarch because it's like a financial advisor in your pocket. Because every minute, it's tracking your savings, spending, investments, and more. For instance, Monarch's goal tracking feature shows if you're on track for that summer trip to Santa Fe. And it tells you what percent of your income is going somewhere that's a surprise. I open Monarch all the time because it takes the mental load off tracking my finances. And whether you're single, you're in a family, or you're dinking it up, Monarch's the way. Our personal fave, the AI Weekly Recap, a once-per-week gut check on what you did with your money.

6:09Hey, Nick, you've spent 96 bucks at kids' lemonade stands since July. Because we pioneered it for him, Jack Resties. Write your own story with Monarch. Use code T-Boy at Monarch.com to get your first year of Monarch Core half off at just 50 bucks. It's 50 % off your first year at Monarch.com with code T-Boy. For our first story, Is it the end of the taco trade? Because we predict that this time, Trump actually won't cave on tariffs. So we want to introduce a new trade. We call it the burrito trade. And it starts August 1st. Oh, Yetis, let's go back in time a little bit. The trade war, it officially began 105 days ago, April 2nd, Liberation Day.

6:54But it was actually Liquidation Day. Yeah, why was that, Jack? Stocks fell 14 % in the four days after Trump declared trade war on the whole world. And the only reason Trump paused all those tariffs for 90 days? Because the stock market was tanking and CEOs were freaking out. And thus began the taco trend. Because when it comes to tariffs, Trump always chickens out. Investors started ignoring the trade war because Trump is afraid of the stock market falling, so he backs off tariffs every time. Yeah, it's just a bluff. don't worry when he announces tariffs in Argentina. He's not going to follow through with them.

7:29That was the thought. And the result was a fantastic first half of the year for the stock market, even though tariffs were constantly a threat. We called it the shrug market because investors just shrugged it off. But starting last week, Trump's trade war chill out came to an end. That's right. President Trump has doubled down on tariffs. In fact, Jack and I have been keeping count, and we have counted a dozen. There were a dozen new tariff threats in the last dozen days. All right, Jack, let's check out the whiteboard. What happened on July 7th? He announced 25 to 40 % tariffs on 14 countries, all starting August 1st.

8:06What about on July 9th? 50 % tariffs on Brazil, also effective August 1st. Okay, how about on July 12th? 30 % tariffs on the EU and Mexico, and 35 % tariffs on Canada, all effective August 1st. What the heck, Jack? For good measure, let's toss 50 % tariffs on copper, also effective August 1st. 25 countries, including virtually all of our major trading partners, except the UK and Vietnam. Because the UK and Vietnam are the only two countries that have reached any kind of a trade agreement since all of this trade war started. Plus, copper's getting tariffed. I forgot. Hide those pennies. Hoard those pennies, Jack.

8:44So Trump has raised so many stakes for August 1st. He's turned it like into his personal tea day. It's a big deal, August 1st. But Jack, what do investors think despite seeing all of those tariffs over the last three weeks? Investors think it's all one big bluff. It's taco all over again. And proof that's how Wall Street thinks is that stocks are at all-time highs. Yes, they are. But best is, here's what Jack and I are thinking. With Trump's reputation on the line and with stocks at all-time highs, is he really going to cave again at the end of this month? If he does cave again, then how can any threats he makes in the future be taken seriously?

9:21Ah, good point, Jack, which leads to our takeaway. Jack, what's the takeaway for all our buddies looking at the markets? Forget the taco trade. Get ready for the opposite, the burrito trade. The burrito trade. I will explain in a few. Yetis, when President Trump declared the trade war 100 days ago, stocks fell 14%. That erased a year of gains in just four days. And yet, in the past couple weeks, he's announced just as many new tariffs, but stocks have barely budged. Stocks are chilling at all-time highs right now. It's because of the taco trade. And if Trump caves again, then Wall Street was right.

9:57These all-time high stock prices really do make sense. But like we said, if Trump does cave again on August 1st, then his reputation as a dealmaker is completely ruined. And that's the key. Besties, that's why we think this time Trump won't chicken out. We think he won't back down. We think he's going to stick with these tariffs. He doesn't want to lose leverage. He doesn't want to appear as weak. He doesn't want his credibility shot. And he doesn't like that Wall Street doesn't believe him. So add it all up. And Jack and I are calling this the burrito trade. Burrito. You ready for it? Hit me.

10:29Bold unilateral retaliation, regardless of inflation, trade, or opinions. You can double check us. That spells burrito. The burrito trade, it's the opposite. of the taco trade. Because on August 1st, we think Trump won't chicken out. Which means the stock market is in for a hurtin'. It's in for a burrito check.

10:53For our second story. Basketball star Jimmy Butler launched a coffee chain and he's selling $100 flights of coffee. We don't think that price is crazy. No, we don't. And as proof, we're pointing to the wine industry. Yes, we are. Now, Yetis, earlier this year, Jack and I told you about a trend. We actually called it Gucci coffee. Ralph Lauren, Prada, and Zara. Three fashion brands now have coffee shops too. Yes, they do. But the latest caffeinated trend that we've noticed is professional athlete coffee. Call it sporty cappuccinos. Like Olympian Melissa Ortiz, who launched a coffee startup last year.

11:30Or Patrick Mahomes, who just joined Throne Protein Coffee as a co-founder. Even though the brand's been around for a while. I don't know how he pulled that off. But it makes sense when you think about it. Like, why compete with your teammates who have all invested in and launched their own energy drink brands these days? And strategically, coffee is a bigger market than energy drinks. To quote Jerry Maguire, Show me the money! We think pro-athlete coffee collabs could be the new sneaker deal. A LeBron Starbucks commercial? We're predicting it. Could be seeing it in the future. But the biggest leader in this professional athlete coffee trend, who is it, Jack?

12:05Jimmy Butler, the six-time NBA All-Star and Olympic gold medal winner and current Golden State Warrior. He prefers to go by Java Jimmy, although we like to call him the Scottie Pippen of the pour-over. Or maybe it's Scottie Pippen of the pumpkin spice. I don't think he likes pumpkin spice, dude. Shoot us a DM, Jimmy, and we can help you decide. Because get this, not only did Jimmy launch a coffee brand, he's got a$100 price tag on those coffees. It's called Big Face. The stores have minimalist design, but offer maximal coffee. It's like a Michelin-style mocha sensory experience. The first location opened in Miami in December, and the latest location launched this month in San Francisco.

12:44I mean, Jack, there was a line out the door the entire weekend. It basically became an influencer mecca. And Jimmy is going full-court French press when it comes to the menu. Pricing is a strategy, Jack. Tell us about the prices, please. $10 for a cup of drip coffee. Okay, that's expensive, but I can handle that. $100 for a flight of coffee? I've never seen a coffee shop with$100 anything on the menu. Besties, we've told you about double-digit lattes. We're talking triple-digit lattes here. The flight for$100 includes three tiny cups of specialty coffee. And again, it's$100. This big-faced coffee brand is charging prices that would make Blue Bottle look like a charity.

13:21Now, we should sprinkle on some context. Jimmy Buffler has become a coffee snob. Yeah, it's true. It actually began during COVID when he was importing his own beans to his house to make the coffee he desired. Today, Jimmy travels to away games and brings his own barista to the hotel with him. Because during the pandemic, the NBA was playing in a bubble. There was no access to like outside resources. He didn't want to drink coffee from his K-cup machine in his hotel room. So he actually brought his own French press and started brewing coffee for his teammates, charging him 20 bucks a cup. Yeah, he said if they're making million dollar contracts, they can afford the$20 macchiato.

13:57And that's when he developed the Big Face brand during the pandemic basketball bubble. But we should point out, Jack, it's not named Big Face Coffee because Jimmy Butler, the athlete, has a big physical face. It's called Big Face Coffee because his teammates paid him in$100 bills. They were that expensive. And there's a big face on those$100 bills. Ben Franklin, huge cheeks. So Jack, what's the takeaway for our$100 latte buddies over at Big Face Coffee? Why can't fine coffee be priced and appreciated like fine wine? Yetis,$100 for a cup of coffee sounds crazy. But consider for a second the wine industry.

14:36Wineries can easily charge$1 ,000 based on the way they grow the grape. Why can't coffee houses do the same based on the way they grow the bean? Yeah, we call it the three E's. Like a bottle of Bordeaux charges$500 because of quality, history, and story. E. The three E's. Yeah, it works. It kind of works. It really works. Because that bottle of Bordel was made by a winery that's been making red wine in a prized region of France for a hundred years and selling it with a famous label. Well, Big Face applies the same tactics to coffee beans for its rare African coffee strains. Those beans are grown in a prized terrain of Ethiopia for centuries, and now it's got a cool brand too.

15:15Big Face is even borrowing the same language as wine, tasting notes, aging, and terroir. The strategy works with alcoholic grape juice. Why not with caffeinated bean juice? So Jimmy Butler's$100 latte asks a philosophical business question. Can you wineify the coffee industry? Now a quick word from our sponsor. Nature raised farms. Yetis, you're walking to the grocery store, excited to cross off your list. That empty shopping cart is an ocean of opportunity. Then you get to aisle six and it hits you. Oh boy. Choice paralysis. Yes, we whipped up takeaways about this on the pod. Too many options.

15:53It's like a game of chicken. Do I go with that chicken or that chicken? Yeah, the irony of having so many chickens to choose from, you cannot choose. This one's raised on a farm. This one's raised on a prairie. Is this range-free or cage-free? Choice paralysis of all these options. It makes us feel dumber. So nature-raised farms is built on the simple belief that food shouldn't be complicated. Especially chicken. Definitely shouldn't be complicated. but the freezer aisle, it makes it that way. Too many options, too many additives, a lot of random compromises. But Nature Raised Farms chicken is free from gluten, dairy, and soy made with no seed oils or artificial ingredients.

16:22You know what you're getting. So you can make a simple decision, get on with your day without stressing about the chicken parm recipe. Because that recipe, it's really simple and so should be your chicken. Nature Raised Farms, it's built on a simple belief. Food shouldn't be complicated. This episode is brought to you by Bill, the intelligent finance platform that helps businesses scale with proven results. Yet he's paying and getting paid? That is a pain for small and medium-sized businesses. Jack, did you send the invoice? Did they see the invoice? Did you remember to remind them to see to pay to remember to pay the invoice?

16:51If you drop the ball in any one of those steps, you don't get paid. Nope. And you're missing out on cash flow. You should not have to chase your customers. This isn't TAG. So powered by AI, Build does all that simply and automated so that you don't have to. ACH, credit card, check, international wire transfers. They probably do carrier pigeon Bill Pay if that's how you want to get paid. Bill is the intelligent finance platform trusted by nearly half a million businesses and 98 of the top 100 U.S. accounting firms to manage, move, and maximize your money. They have securely processed over a trillion dollars in real transactions.

17:23That is proven infrastructure you can actually trust. So besties, talk to an expert at bill.com slash proven and get$150 gift card as a thank you. That's bill.com slash proven. Terms and conditions apply. See offer page for details. For our third and final story, Target's stock is dropping. Its sales are slipping. Something has gone horribly wrong at Target. Basically, to sum it all up, Target is Targon. That gets it right there. But we have an idea we think could turn Target around, the influencer aisle. Now, besties, full disclosure, I grew up in a city, so I didn't visit my first Target until I was like 26.

18:03I do Target runs so often, I'm like the mayor walking around with my big dumb cup down the aisles. Jack walks in and starts cutting tape on new products. They're like, photo op, Jack's here. This is the mayor of local Target. Yeah, well, you may know Target because growing up, it was the anti-Walmart. It was the un-Amazon. It was a millennial retail oasis. Target. It was Target. Clever collabs, clean design, and a bull terrier mascot who was way cooler than that Taco Bell chihuahua. What happened to that mascot? Is that dog okay? It's a story for another pod, Jack. There were so many Target innovations.

18:37For example, trendier aisles. It was the first brick and mortar store to welcome direct-to-consumer brands. Casper Mattress, Harry's Razors, Native Deodorant. The online-only millennial DTC brands were all sold at Target too. Target also pioneered stores within stores. Starbucks, they opened up 1 ,700 locations within Targets. We called it Inception Retail at the time. Apple, Ulta Beauty, Levi, and Disney. They also opened many stores within Target stores. Add it all up, and Jack, what was the result for Target as we were all grown up? Target was on a 2010s tear, and the stock nearly tripled during the pandemic.

19:11The all-time high valuation for Target was over$100 billion. You were doing date nights at Target, and you know what? Good for you. But here's the update that you already know if you've been to Target recently. Yeah, Target is Targon. Target's business is missing the bullseye so badly, it's just not a good scene over there. Jack, let's talk financially. What kind of numbers are we looking at here? Sales have fallen for two straight years, while the other big box stores have been up. Stocks of Walmart, TJ Maxx, Costco, they're all at all-time highs, while Target, it's down 60%. It's not just the data, though.

19:44It's the vibes. Yeah. An employee told CNBC this week that Target has lost its identity. The lines for checkout are longer, the collabs ain't as cool, and the stores feel messy and uninviting. Why are the cute tops all on the ground? I don't even know what I'm doing there. For example, the locks. Target now keeps deodorant locked up to deter theft like Walgreens used to. And here's the weird thing we noticed. The CEO claims that consumers like their Old Spice deodorant locked up with a key. Nobody likes having to ask you to come and unlock the deodorant. So Jack, now what's been the result for Target?

20:17Target is losing its faithful. Yes, they are. And half the customers who stopped going to Target go to Walmart instead. Except for Jack. True. I'm still barely hanging out with Target. Target, you still have me. It's the people pleaser in you, Jack. So Jack wants the takeaway for our buddies over at Target. Target should become the physical store for the influencer economy. Yet it doesn't appear that Target has any good turnaround plans. So Jack and I spent the whole day thinking up one for them. Yeah, we came up with one. Our idea for Target, become the go-to store of influencers by inviting them into the store.

20:52The way we see it, influencer marketing has matured. It's not just celebs, it's tiny micro creators, the ones with 50 ,000 followers. People trust these micro influencers and make purchasing decisions based on what they recommend. So besties, here is our two-part plan for Target to become the number one place influencers recommend you buy from. Number one, redesign a section of the store for influencers to film content. Target Influencer Studio, where influencers can book half hours to film tutorials. Number two, offer those influencers unlimited samples of things sold at Target. as long as they tag Target in the video they post.

21:28Come get ready with me as I apply a Revlon lip liner over in Target at aisle six. The influencer studio, it's going to have a kitchen, a bathroom, and a dressing room for tutorial videos and ring lights galore. It's like an influencer arena, Jack. This way, influencers won't have to film content from the car. They can go to their local Target and have everything they need. And the result of that, the love that Target shows influencers will be reciprocated and scaled. That's how Target can become the physical store for the influencer economy.

22:22Sousa Burrito. Second, Jimmy Butler is scaling his big face coffee chain with some very pricey menu items like$100 lattes. Because why can't fine coffee be priced and appreciated like fine wine? And our third and final story, Target is in many ways Targon. Yeah. We brainstormed a bold, albeit risky, turnaround plan. Target, they should become the physical store for the influencer economy. But yetis, this pod's not over yet. Here's what else you need to know today. First, the inflation report, which has become the celebrity of economic reports, was published yesterday. Prices in this economy jumped 2.7 % on average in June from the year before.

23:04Which is also up from May's 2.4 % inflation gain. Why? That's probably the trade war. It looks like companies are starting to pass on the costs of tariffs to us. Economists said it would take a few months for us to feel the trade war, and now here we are. Second, Starbucks has officially unveiled their secret menu. That's right. You can now buy drinks off the secret menu within the Starbucks app, like their Dragon Fruit Glow Up Frappuccino. Although if the secret menu is no longer secret, can you call it secret anymore? Another philosophical question, Jack. Starbucks, they just turned their secret menu into a regular menu, so the secret is not so safe with us.

23:36And finally, private jet sales are about to pop after the new big beautiful bill tax break for private jets. Yeah, there's one new detail in the new bill that companies can write off the entire first year of their private jet. It's called bonus depreciation. It lets you expense the entire cost of the jet in the first year, which reduces your taxes. So Wheels Up, a private jet stock, has been up 5 % on that one detail in the bill. It's great news for the super business class plus crowd. The T-boy jet jack. It's right off. Well, I guess for one year. Then we got to sell it. Yeah, but it's like$20 million.

24:11Let the accountants handle that. Now, time for the best fact yet, which is a correction from Yeti Anurag Gandhi from lovely Seattle. On Monday, Nick said that he flew the longest flight within the continental contiguous 48 United States. And the flight attendant confirmed it, by the way. Boston to San Francisco is 2 ,704 miles, but apparently it's no longer the longest. Because Miami to Seattle is 20 miles longer. That's right. Alaskan Airlines launched the service from Miami to Seattle three years ago, and that is 2 ,724 miles long. So apparently that flight attendant is like Claude, the chatbot.

24:51Yeah, yeah, yeah. Her data is only valid up through like September of 2021. Yeah, we were working with that with data information. Yetis, you look fantastic today. And if you snag tickets to our live show, you could be one of the winners of our T-Boy Yeti stuffy fluffy. It is a Yeti abominable snowman wearing a T-Boy t-shirt. We can't even share anymore. We're not even going to share pictures. It's too wild. You got to see it in person. But obviously that's just like a tiny detail. The live show is going to be incredible. Oh yeah. It's a little boo-boo doop, but the live show, that's, that's why you go to the live show.

25:24So grab your tickets. We got a link in this episode description and Jack and I will see you tomorrow.

25:34And before we go, a happy birthday to Yeti Rachel Jadov, who's turning 40 years old over in Green Bay, Wisconsin. Happy birthday, Rachel. And happy birthday to Yorch, a.k.a. Jorge Hill in Monterey, Mexico. And a happy birthday to Yeti Aaron Romeo from lovely Brooklyn, New York, listening right now with daughter Madeline turning eight and stepson Yugo, who's 10, celebrating the wins. And happy birthday to Tucker Kramer from Browningville, Vermont, one of my older bros. The Tuckmeister and Dr. Sidney at the Dentists of Flagstaff. We want to let you know that Rachel is appreciative you filled that cavity.

26:08Thanks for not forgetting the Novocaine. And Cindy Nielsen, just outside Boston, has got a new job for San Mateo County and is moving all the way across the country. And finally, a shout out to Lizzie Frost from El Paso, Texas, who went to the University of Texas, El Paso, a college whose architecture was designed to look like the nation of Bhutan. That raises more questions than answers for me. Lizzie, hope they bought some Bitcoin too. And if you want to get a shout out on this pod, fill out the form in our episode description and Jack and I will make it happen.

26:42This is Jack. I own stock of Levi and Disney. Nick and I both own stock of Apple and we both own ETFs for the S &P 500. Gusto. Yetis, there's nothing more satisfying on a Friday evening than celebrating the wins of our company from that week. Like how we triumphantly completed payroll paperwork right before the tax deadline. All right. We're just kidding. That's not a one to celebrate. But it is an annoying thing that we did have to do. Yeah, we did. Because if you're an entrepreneur, you're the HR team, the benefits team, the payroll department, and you have to be all those things before your morning coffee.

27:10Double-digit latte. But you could be doing it all with Gusto. Gusto is an online payroll and benefits software built for small businesses. It's all-in-one, remote-friendly, and incredibly easy to use, so you can pay higher onboard and support your team from anywhere. So save time with built-in automated tools like offer letters, onboarding documents, direct deposit, and more. And it's super simple to switch to Gusto. You can just transfer your existing data to get up and running fast and don't even have to pay a penny until you run your first payroll. Because you're not toasting a Negroni on Friday to celebrate that paperwork.

27:37Nope. So besties, try Gusto today at gusto.com slash tboy and get three months free when you run your first payroll. That's three months of free payroll at gusto.com slash tboy. One more time, gusto.com slash tboy.