AAR68 - Correcting for Financial Mistakes

0:00Nobody's perfect, and sadly, that does apply to us, too. And today, we're going to go over a recent mistake that I found in my budget, how I corrected it, and probably a couple of Andrew and I's other mistakes along the way. These may not have been life-ruining mistakes by any means, even if they hadn't been caught, but it's the little or medium-sized things that stack up to either a solid or a weak financial plan. And today, we want to find those cracks. So let's go. There's a huge misconception that to start a business, you need to invent some revolutionary product. But the truth is, you really don't.

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2:16good day everyone and welcome back to at any rate my name is evan rate and we are here to help you make sustainable financial changes without breaking a sweat and please give a warm welcome to mr andrew and never made a mistake say there good morning good morning that's actually a true statement until I got to 7th grade I made a pretty bad mistake I spiked my whole hair this is before your time people would call me a porcupine but dude you could call it a mistake I call it a good mistake we're all good so it's still a mistake it's just the kind of mistake it is Are you a gel person or a pomade person or a spray kind of person?

3:06What kind of gel do you like? I don't even know what it is. It's just like Axe. Axe. Okay, gotcha. Looks good though, yeah. Yeah, I guarantee it smells good. I can't smell it from here, but it probably smells good too. I actually don't like the smell, but I don't know. I've got bigger problems on my mind. That's fair. At least I'm not wearing the same shirt every day. That felt like a dig at me for a second, but I'm not wearing the same shirt. So I felt defensive for a second, even though I didn't need to be defensive. Right. Yeah, not every, you know, I can take what you dish. I don't have to always get you back.

3:47Yeah, you're just getting somebody else back. So today we're going to be discussing Andrew's historic hair decisions and historic hair problems. would recommend American Crew if you're looking for for something else to try just a recommendation I do like that one and it smells good too it does smell good yeah and they have a lot a lot of options okay so today we wanted to discuss we're going to kind of going to be bouncing off of an initial misstep financial misstep that my wife and I found and corrected like how we found it what it was and how we corrected it and are trying to prevent from something like that happening in the future and of course we're also going to be discussing some other mistakes along the way but we'll go ahead and just jump directly into it the mistake it's i'm not going to bury the lead because it's not something big and you know crazy and exciting or whatever um but the mistake was just realizing that we were spending a lot more on eating out than we wanted to than we meant to than we budgeted for yada yada um basically we were spending at least half again as much as we plan to um from how much again we had budgeted because as many listeners would know as pretty much all past listeners would know we have everything budgeted out we kind of assume what we're going to spend on everything and we try to be as accurate as we as possible um with everything we do but as we've discussed a lot in the past budgets are not perfect and they're going to shift over time and that is okay but the important thing is that you pay attention you catch it whenever possible and then you kind of figure out um what you want to do with it and an important detail in this that that i want to discuss um since i know a lot of people especially when people start taking their finances more seriously a lot of the time they're either in a relationship or maybe they're married or maybe even they have kids and that's kind of i think that aligns pretty well with a lot of people's financial awakenings and when they start really taking things seriously sitting down with the budget and and finding these kinds of mistakes and I kind of want to cover how important it is to discuss those kinds of changes um and things that that you guys are financially going through as as a partnership as a relationship um and I'm very thankful that my wife and I have a very transparent conversation about this kind of stuff about finances and so long story short this this was found because um I was just scrolling through my bank account looking for something else and realized that it seemed like there was a lot more eating out charges in there than I expected, you know, than, than there usually would be.

6:18Um, and I started kind of going back the past two, three months and realized it had been that way for a little bit without us even realizing did the math to kind of add it up. Um, I never expect my budget to be, you know, dead on to, to a dollar, but I didn't expect it to be as far off as it was. And so I kind of brought that to Jen and she and I discussed, uh, how we wanted to move forward with it. And basically what we discussed is we would move the figure up a little bit. We were okay with taking on a little bit more spending to that. And we balanced everything else around it. And we also kind of set some guidelines for ourselves.

6:53I'm not going to detail everything out because I know many people have made these kinds of little financial decisions. But we just set guidelines for ourselves that would allow us to spend what we decided we wanted to spend on this while still being more cognizant of what we're spending. before we put uh we kind of went through a phase of putting less of a priority on the exact dollar amount that we were spending and more on the quality and health of the food and while that's definitely a good thing to aim for i think we just kind of swung too far in that direction without realizing um and thankfully just by going through our accounts is what led us to discover this kind of stuff um if we hadn't gone through the history because i know a lot of people just spend on their credit card, bank account, whatever, and just let it pile up and never look at it, then that can absolutely screw you over.

7:44Has that ever saved you going through accounts like that? Yeah, nothing pops to mind immediately. But I'm curious because my wife and I kind of do our finances differently than what you're describing. But I like the way you guys seem to do your finances. It's probably inspiring for a lot of people. and I can see other people kind of taking that kind of approach with a couple's finances. So have you said out loud, like, hey, I'm going to be the double checker here? I'm picturing my dad back in the day balancing his checkbook at the kitchen table. Yeah, yeah, yeah. I always stay away from that kind of vibe.

8:26You know what I mean? Yeah, yeah, yeah. Have you guys talked about, like, okay, I'm going to be the one to kind of be the double checker? That's a good question. We haven't discussed that. And I would say, I would say neither of us is the double checker because the reason that it was found is usually I'm the one that purchases the food when we eat out. Not always by any means, but I'm just the one that usually happens to purchase that and Jen purchases other things. For the home, we kind of just have a sort of natural split that allows us to, you know, each cover what we want to cover, what we kind of tend to spend on specific things.

9:05and so it was largely because I'm the one that usually spends on eating out specifically and so that made it a lot easier to track through. I am definitely not the double checker who's going through like both of our accounts or whatever and going through things and I also definitely wouldn't want to be because I mean there's kind of a difficult balance to strike of being in a partnership and being you know making the right financial decisions for each other but also but entrusting that the other person is making those right decisions and not nannying them or going in and checking things too much um because i think that just leads to it it's just not trusting the other person and it's going to lead to um some frustrations and the other person not feeling trusted or respected in the relationship and so i think it's a lot more about having open communication that isn't judgmental basically so that each person feels comfortable to just discuss whatever is going on instead of you know making everything feel closed off and difficult to talk about so that you feel like you need to go you know hunt things down or double check things just for things to quote unquote be done properly i think it's a lot better setup for you to both be able to openly communicate so you can both work together to do it properly instead of depending on yourself to be the one to do it properly.

10:30Yeah, I don't think we've talked about this before. Maybe you have in another episode. So I'm going to ask the dumb question, like, how do you even set up the logistics of, okay, we have separate accounts, but then I'm also able to do the budget. Like, is there an app you use or what is, how does that look? Yeah, there's not an app. There's not an app that we use or anything like that. we we pretty much um we we both use the same kind of budget we've talked about a million times um we use that kind of a budget to set up the overall finances ignoring splitting it initially that sets up the overall finances and makes sure everything is percent balanced you know ratioed as as as we want once we have that overall budget set up then we can just basically take it and say okay you know based on our incomes one person you know is going to pay 35 the other person is going to pay 65%, whatever the numbers are.

11:23And now we can kind of go through and approximate splitting things up until we land in that ratio. And so that's why, you know, okay, I tend to spend more on eating out and she'll cover, you know, like lawn care expenses and that sort of stuff. And these kind of just take all these puzzle pieces and, and split up the puzzle into each of these buckets, each of our buckets until it approximately meets that ratio between us that we want to hit. and then from there on it's basically you know that that person's responsibility to spend on whatever is in their bucket and make sure that is covered and accounted for and as long as nothing in there is being over or underspent on or whatever then we know that we're going to hit the the ratios that we that we originally intended to that's really cool um i guess the most important question is who gets to spend the credit card rewards whoever we actually we don't have a nearly as structured of a rule for that but we also try and split up who gets to spend the credit card rewards because we'll lean on two of my credit cards that get pretty high cash back but I'm not trying to be the only one who gets the credit card rewards so there will be some splitting of like hey you haven't spent the credit card rewards wow you get to you know use them this time or whatever because they definitely stack up.

12:46But it's all about communication. I think that's the thing that people struggle with the most. And I can understand that. They're very difficult conversations to have. They're even difficult conversations to have with friends or coworkers, let alone the other person who's depending on you to make the right decisions. But getting over that hump of making it feel nonjudgmental and everything, I think, is a big step to get there. How have you and your wife worked in the past to be able to discuss finances without it feeling judgmental or too high friction or anything like that? Yeah, we kind of have, we talked about it while we were still dating of like, how do you do your finances?

13:35How do you do yours? And so we kind of have these agreed upon, like, don't pile up credit card debt unless that's when we have a conversation. Or, you know, we've had conversations about retirement accounts and allocating that. So it's like bigger picture stuff. Because we both know how each of us have done finances in the past. And so we kind of know like what we're both okay with and what we're both not. Yeah. But I think that's the big stuff is, is obviously what's most important. And I honestly feel like that's where most couples get the least aligned, you know, on a day-to-day basis, they'll be like, oh, you know, I kind of know how much they tend to spend on food or groceries.

14:22And obviously we're living at the same place. And so all that kind of just makes sense in the lines. But when you start talking about how you want to handle your long-term financial future, I think that's a lot less intuitive and a lot more difficult to assume than many other financial things. And so it's a lot harder to just happen to get aligned almost accidentally. Yeah, and I would say I've always heard from other podcasts, there's a saver and a spender. and so I tend to be the spender and that's why I need a budget because if I don't, I will run out of money. Right, right, right. I think having that as an additional kind of constraint has helped things work so that she knows that at least I do budget and when I make the mistake on my budget, which I always do, that I'm doing things to correct it and also still not piling up credit card debt.

15:20Yeah, that's a great place to land. Um, are there any, uh, past mistakes of yours that kind of come to mind that we can kind of break down in a similar way? Yeah. I mean, we talked about it briefly in one of the previous episodes, but definitely. And sometimes I still fall into every once in a while budgeting for the month instead of budgeting for the year. And the more we were even talking about it off air, it's like, there are so many annual expenses that, you know, the first time you set up a budget, it's already depressing. So you don't want to make it like you're jumping through hoops, but there are things that you learn over time that you do have to budget for depending on what's important to you.

16:03So for a lot of people, that can be Christmas gifts, obviously vacations as well. It's hard to like plan a week vacation on just your regular monthly salary. Valentine's Day, you know, and especially if your anniversary lines up with that hint, hint, wink, wink. It's a good idea to have some money saved for that. Birthdays, for whatever reason, in our families, they all line up in that same time window. So just having stuff for that has been tough because then I'm almost feeling like I'm falling behind when I don't allocate enough. I think that's where having an emergency fund helps. Having a sinking fund helps.

16:51Actually, just a few months ago, I made a mistake about how much I was... My budget was pretty in the red. And so I had to take for my sinking fund and sell some stocks at an unopportune time, which hurts. But it's a better place to just have that kind of sitting around. Even if I'm selling stocks at a loss, at least I'm still getting some money back. That's where the argument of don't keep your savings in stocks comes into play, which I always break that rule because I'm a degenerate, I guess. Yeah, I mean, the importance of having a sinking fund and doing the savings, like you mentioned. What was it, like a 20 % allocation to savings, ideally, in your budget?

17:40Yeah, that's a good goal to aim for, yeah. Yeah, so having that and then letting that pile up, giving yourself a little bit of margin, so when you do make these inevitable mistakes, you're able to bounce back quicker. September is World Alzheimer's Month, but most people never check their brain health until something's feeling off or wrong way down the road. I wanted to stop waiting and look at my own data ahead of time. I highly prioritize long-term cognitive health. I mean, you can feel everything going right in your body, but if you've already set yourself down a road mentally that you don't even realize you're on, it can be difficult or impossible to recover later on.

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20:07That's F-O-U-N-D.com. Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, member FDIC. Found does not provide tax, legal, or accounting advice. optional subscriptions to found plus for$35 a month or$315 per year or found pro for$80 a month or$720 a year there are no monthly account maintenance fees but other fees such as transactional fees for wires instant transfers and atm apply read found fee schedule what's the best way to get started in the market download my ebook for free at stockmarketpdf.com so how do you try and handle saving up for those you know annual or you know semi-annual whatever expenses do you i know you mentioned of course having sinking fund and kind of having money off to the side ready to pay for it do you try and sort of approximate how much all of these things are going to cost ahead of time or do you just try and you know pile a reasonable away amount away off to the side and you know feel free to use that as things come up i think you'll like my answer um i automate it So I have the same amount that comes out every month, goes to a separate account that's not retirement.

21:22It's not even a savings account. It's a Plink account I have, and it buys the same stock every month, whatever my favorite stock is at that point in time. And yeah, I don't remember if it was intentional. It was probably intentional, I would hope. No problem. So a big one for me was when I learned to auto insurance and car maintenance. Those are both kind of part of this sinking fund that we're talking about. So I will pull from my car maintenance fund, which is probably not ideal, but I happen to buy a good reliable car, so I feel better about pulling from that. And yeah, I like doing that. And then sometimes I've pulled from my car insurance because I pay every six months.

22:10I think that's pretty common. I pay every six months. And so the times where I have bled into that, I just make up for it in the next few months. And so it's like, okay, I'm cutting my fund budget for this month. So not like the craziest, most cleverest idea, but it's simple. It works and I'm able to pile it up in the background without even realizing I'm doing it. And it doesn't feel like a sacrifice because it's already accounted for in my budget. But so how did you how did you catch up for this mistake of spending too much on eating out? And then did you say also I can't remember if it was like for one month or feels for multiple months?

22:59It was for probably about two, two and a half months in the end. And so it was, it was, you know, a good bit of time overspent. But of course, with, with it being eating out, it wasn't the highest dollar value that a financial mistake could be, of course. So we actually didn't, and I'm curious to hear your take on this. We didn't catch up, so to speak, on this mistake or this overspending. Reason being that we, we have, you know, plenty in emergency fund and sinking fund behind to catch us up. And so instead we basically just pulled some from a sinking fund to just supplement whatever we felt we had overspent.

23:36Basically just to get that back in the checking account so that, you know, as bills are paid and everything, there's enough padding left in there that are as much padding as we expect there to be. Kind of mentioned that in the past. There's always a sort of baseline that I want to hit in a checking account so that, you know, if a charge comes up, nothing's going to get overdrafted or whatever. but we actually decided not to catch up on this primarily because of the dollar value that it was. It, there was no, it wasn't, it wasn't a crazy high dollar value that, um, that was going to throw everything out of whack by us making that mistake.

24:10There have been times in the past where I've decided to catch up. Like, uh, I can't remember what the purchase was. There was, there was a purchase, um, that I made for a hobby that was like several hundred dollars or something. It was a good bit of money. And because I did that, I did cut back in other places, cut back on spending in other places for like a month and a half or two months to let the money pile back up and kind of catch up, at least mostly for the spending that I'd done. But for me, it kind of depends on, like I said, the dollar value that it is, whether I worry about catching up or not.

24:43But I know you mentioned you and your wife trying to catch up previously. are you a fan of trying to catch up after a mistake or is there kind of similar to you is there sort of a line where you decide to or to not catch up yeah so i like what you were saying so you're not catching up because in a normal month you're still building up the sinking fund right so like it will it will build up eventually it's not like a permanent drain right right right yeah yeah very different than if we realized we were overspending and then just left it as is and said, okay, we're just going to keep spending without fixing it elsewhere, then yeah, we would just start draining.

25:23Yeah, I like that. That's what I was just saying with my stocks that I sold. Same thing. I'm not going to catch up in that case because I had enough in the sinking fund to cover it. And I figure over time it will build up again. Right, right. Yeah, I also think that trying to catch up can kind of become a financially toxic mental cycle i think for a lot of people it leads we've talked about it in the past but it leads a lot to feeling extremely guilty about every purchase you make and it makes you feel like you need to you know if you want to go buy a new pair of shoes or something you need to work your ass off to be able to to do that even if you can't afford it you just feel like okay well i need to go work super super hard just to earn extra money to pay for these sort of i don't want to say for free but like with with extra money instead of paying for it with money that you budget it's much much more powerful to budget your spending money essentially budget a sinking fund like we've been talking about that's a big a great great way to handle that kind of spending but budget for a sinking fund so that you have money set to the side and if you want to spend some of that towards shoes then you don't have to give a second thought about it just go buy the shoes and all of your money is still okay you're still saving money in the long run i think it's a very toxic cycle when you feel like every time you make a purchase like that now you need to go do something to make up for it or cut back elsewhere i i don't know i don't like that mental cycle that it throws people into and i know you you definitely agree with that uh that toxic financial cycle yeah absolutely so another kind of past mistake um for me is there was a time where i was overspending toward a hobby some people might know i'm sort of a bit of a pc nerd pc gaming nerd and so i was overspending on pc upgrades and it wasn't because each pc upgrade itself was super expensive they were relatively reasonable upgrades individually but it kind of turned into one of those like get a dopamine hit of getting an upgrade install it enjoy it for like a couple weeks or something and then what the want the dopamine hit of going and buying something new again and it just stacked into like six you know medium small to medium sized purchases in a row and suddenly it's just it's stacking up way more than it feels like um like i can buy one hundred dollar thing and that can be a person perfectly reasonable amount of money for me to spend but if i buy four of those hundred dollar things then suddenly i'm burning through like pretty much all my discretionary spending for the month without even really thinking about it or realizing it um for me that situation was more so fixed through limiting never entirely stopping but limiting impulse spending and trying to um i feel like you probably have some interesting rules behind this but for me for impulse spending i try and wait a couple days kind of a common piece of guidance wait a couple days before making the purchase and uh something i've discussed a few episodes ago is also trying to focus on what the value of that purchase will be so like you know if this pc upgrade isn't just gonna make the pc a little bit faster or you know add more lights or something like that but it's actually going to make a meaningful change to how i can enjoy the pc or you know the kind of games i can play or how enjoyable those games will be then it could be a worthwhile purchase but if i look at the actual value behind it and it's very minimal it's really going to hardly change anything about how i use or enjoy the PC, then suddenly the value to price ratio feels really skewed and it's probably not worth going through with it.

29:03And I kind of try to apply that vague guideline to purchases going forwards. And I've still spent money on things. Of course, it's very easy to find things to spend money on, but those things have pretty much always brought some kind of value to me or that hobby or, you know, whatever it is. But what kind of guidelines do you have to to stop from impulse spending. I'm like embarrassed to share, but whatever. No, no, no. I have a, I have a note on my phone. And so whenever I get that impulse to buy something, I will put it in the note or if I'm on Amazon, I'll put it in my cart, but not follow through with it.

29:44And so similar to you, like waiting a few days just to see if it's an impulse or if it's something like I'll actually enjoy, um, has worked for a while. yeah no i actually really like i really like making the list is that something that you kind of purposefully revisit or is it something that you kind of just stumble back upon and then realize oh crap i did want to buy that okay i've decided i do want to buy it yeah i mean like i'll when i'm closer to the end of a month where you know if i've spent discretionary or not and then i'll see okay do i have discretionary left and if i do then i'll go back to my list and be like, oh yeah, cool.

30:23I can, I can buy this thing. Um, my big, my big problem is like, I love just grabbing lunch somewhere. Um, and that starts to add up like, especially when it's like, man, I've been working really hard this morning and it's like, I could say that probably every day at a certain point that becomes pretty wasteful. So, um, if I've had that self-discipline to like eat at home then then i'm like cool now now i have something i can reward myself with yeah and yeah and i think it's it's all about it for me because we we definitely do enjoy eating out um not just because it's fun but it's just a way to food is is a big part of our lives it's very important to us for a lot of people food is just fuel and it's you know just to to live um but for us we we absolutely freaking love food and so for us spending more on eating out that's that's why like i mentioned we sort of adjusted our budget to a new figure to adjust that food spending budget upwards a little bit is because we decided food is i feel stupid saying food is important to us because food's important to everybody but spending more on food was worthwhile to us that that value ratio was worth it for us um and it's also something that we love doing together and enjoying together and sort of bonding together over.

31:47And so by having that conversation, we can realize that we're okay with spending more on eating out as long as we just adjust everything around it. And I think that's an important point of view because so much things like eating out or, you know, buying coffee out or whatever are just framed as if you do this, it's going to ruin your finances. You know, you need to be eating at home and having coffee at home and that's going to make you a billionaire. and I just think that that's absolutely silly and instead you should be focusing on needle movers and also what is actually important to you so like if if food is just not that big of a deal for you and you're cool with having you know the same thing all the time and there's kind of other focuses in your life and food isn't one of them then by all means cut back on food spending and and that'll give you more money to spend elsewhere but if food is something that you really really enjoy then just build a budget around it give yourself however much you want to spend on food and then see if you can figure it out elsewhere everything else around it and if you can't then maybe it has to sacrifice a little bit but i think more than likely you still will be able to um if you really want to prioritize it over other things then you can and i don't care if you're spending you know 1200 bucks a month on food by yourself i don't give a crap if everything else is balanced around it.

33:04It's all just how you want to prioritize for yourself.

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34:13So say maybe you've been struggling previously with keeping up to budget. Maybe there's a mistake you've made recently. Maybe you have also been overspending on Chick-fil-A yourself, and you're looking to find ways to try and catch up or some hacks to try and make your budget fit better in your financial goals. So Andrew, why don't you go ahead and kick us off for that? Yeah, a little bit of foreshadowing there. Apparently we have heard that not everybody knows this. When you order something from Uber Eats, not only do you pay for a delivery fee and whatever else fee and the tip for the driver, but they also make the food more expensive.

34:52so an easy hack because one of my things I just love to do when I have discretionary money like I said is food it's always food and I love not leaving the house also if possible and just getting it straight to my door because that is the ultimate comfort and so yeah it's sometimes like if you're in the catch up mode maybe you still want to do the food but you're going to have to like put on some clothes and maybe like a pair of crocks anything that can't be seen below the windshield though I mean they ain't got a clue boxers that nobody knows hey I mean if robots start taking over at the drive thurs maybe robots ain't gonna judge they won't judge so yeah like putting away the Uber Eats app for a time just so you can catch up and just try to kind of scrimp and save here and there where you can that could be an option to consider.