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<v Speaker 1>Let's bring our buddy Joel lars Guard to the table

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<v Speaker 1>if that is his real name, host of How to Money,

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<v Speaker 1>Sunday twelve pm to two pm.

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<v Speaker 2>Great show. If you haven't heard it, you can also

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<v Speaker 2>find him how to Money. Joel. Oh, Joel, how are you, sir?

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<v Speaker 2>I'm well, Neil, how are you? Man? Great?

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<v Speaker 1>What's what's the beer you're drinking these days? Anything happy

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<v Speaker 1>or fruity?

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<v Speaker 2>Typically? I mean, I'll drink it all equal opportunity drinker.

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<v Speaker 2>I like that fruity.

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<v Speaker 1>That's those are both opposite ends of the no I know,

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<v Speaker 1>I like.

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<v Speaker 2>I want a ninety nine and then something with a

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<v Speaker 2>little I don't know, peach good for you?

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<v Speaker 1>Is there?

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<v Speaker 2>Is there?

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<v Speaker 1>Because so for those of you who don't know Joel,

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<v Speaker 1>who has what seventeen kids, he's only spent and he's

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<v Speaker 1>like twenty two. But he spends his extra folding money

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<v Speaker 1>on good beers. That's his splurge. So I always like

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<v Speaker 1>to check in on him with that. Is there a

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<v Speaker 1>brand that you're really into? A small brewery? Let me

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<v Speaker 1>let me tell you an underrated brewery?

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<v Speaker 2>Uh not?

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<v Speaker 3>I mean a little a little drive for you, but

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<v Speaker 3>not too too far. Casa Agria in Oxnard, California. Oh yeah, incredible.

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<v Speaker 3>That's one of my that's one of my favorite breweries.

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<v Speaker 3>And they run the gamut. They make some of the

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<v Speaker 3>some some great fruity beers, some great hoppy beers, some

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<v Speaker 3>some great stouts too. So I'm yeah, that's that's one

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<v Speaker 3>of my favorite breweries around.

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<v Speaker 2>Good to know. Thanks for the hot tip. I will

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<v Speaker 2>shut that out.

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<v Speaker 1>It's a stones throw away from where I grew up,

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<v Speaker 1>so I know the era.

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<v Speaker 2>Well, all right, so.

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<v Speaker 1>Tariffs, tariffs, tariffs, what are we looking at and how's

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<v Speaker 1>this gonna impact my midnight shopping spree on Timu and

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<v Speaker 1>Ali Express.

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<v Speaker 3>Yeah, Oh my gosh, Well, I mean how this is

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<v Speaker 3>gonna shake out and how severe the impact is going

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<v Speaker 3>to be. It's kind of what everyone is trying to

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<v Speaker 3>figure out right now. And we got at least a

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<v Speaker 3>little more clarity because there'd been like the looming threat

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<v Speaker 3>of liberation Day coming our way. And what's really going

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<v Speaker 3>to happen is we're going to be liberated from our

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<v Speaker 3>money and from low prices because of these tariffs. And

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<v Speaker 3>this has kind of been historically understood in economics. Like

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<v Speaker 3>people across the political spectrum, whether you're kind of more

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<v Speaker 3>left leaning, right leaning centrist independent as an economist, like

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<v Speaker 3>the idea that tariffs are attacks on individuals, on consumers.

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<v Speaker 3>Because this is an import tax and then it gets

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<v Speaker 3>passed on through higher prices. It's going to impact all

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<v Speaker 3>of us, and especially with how widespread and significant these

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<v Speaker 3>tariffs are, it will reduce the purchasing power of the

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<v Speaker 3>average American family. And I think what the Trump administration

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<v Speaker 3>is hoping or is saying, is, well, this is going

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<v Speaker 3>to bring manufacturing back to the United States, and so

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<v Speaker 3>it's going to be worth the pain the higher prices

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<v Speaker 3>because it's going to mean more jobs. It's going to

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<v Speaker 3>mean more factories, it's going to mean more production here.

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<v Speaker 3>And I just don't know that that's a great goal

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<v Speaker 3>to have, and I don't know that it's going to

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<v Speaker 3>happen the way the President thinks it's going to.

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<v Speaker 2>Well, that is the million dollar question. Now.

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<v Speaker 1>I am not a huge fan of Trump or anything

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<v Speaker 1>like that. I'm a rationalist. I try and look everything.

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<v Speaker 1>I remove the d's, I remove the rs, and I

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<v Speaker 1>try and look at things. And I know that if

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<v Speaker 1>you walk in in the middle of an operation, it's blood,

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<v Speaker 1>guts and nothing looks good. You have to kind of

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<v Speaker 1>wait for everything to be sewn up. So I don't

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<v Speaker 1>know where to land yet because we're seventy four days

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<v Speaker 1>in or whatever it is, and it just looks like

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<v Speaker 1>utter chaos everywhere. My hope is it's with the goal,

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<v Speaker 1>like you said, to bring jobs back, to bring manufacturing back,

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<v Speaker 1>and to do what we do as individuals, and that

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<v Speaker 1>is to get the best bang for a buck and

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<v Speaker 1>not be abused. And if the country is being abused

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<v Speaker 1>and paying more than its fair share, I would hope

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<v Speaker 1>someone would look out for us how that ends up.

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<v Speaker 1>I don't think we have the fortitude for it really

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<v Speaker 1>as the American people. You know what, Joel, we are

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<v Speaker 1>no longer Americans, we're Americans. Well, I feel like we're

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<v Speaker 1>looking for reasons to not build ourselves up sometimes and

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<v Speaker 1>it's like, because it's gonna suck, But we buy a

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<v Speaker 1>lot of crap. You save this all the time on

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<v Speaker 1>the show. We buy a lot of crap that we

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<v Speaker 1>don't need. Well, that is true, maybe we stop buying crap.

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<v Speaker 3>But I also I also think and the Treasury Secretary

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<v Speaker 3>I believe, was the one who said something like, well,

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<v Speaker 3>the American dream isn't just about buying more stuff, And

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<v Speaker 3>I get where what he's getting at, But then I

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<v Speaker 3>don't fully agree. I think part of the American dream

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<v Speaker 3>is like I think about the bike that the e

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<v Speaker 3>bike that I ride around on with my kids. That's

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<v Speaker 3>part of my American dream, and that's an item that

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<v Speaker 3>I purchase, right, And I get that, like we all

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<v Speaker 3>own too much stuff, and that's something that I talk

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<v Speaker 3>about regularly. But yeah, I do think that that cheap

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<v Speaker 3>things are part it does need to at least some

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<v Speaker 3>of us able to choose the way we want to

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<v Speaker 3>live our lives. And I do think that that widespread

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<v Speaker 3>tariffs is going to reduce the how much cheap stuff

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<v Speaker 3>we're able to get. And again, it's not about accumulating

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<v Speaker 3>more and more, but it is about access to goods

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<v Speaker 3>that aren't incredibly expensive. And so this I agree too,

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<v Speaker 3>that the Trump arrangement syndrome or whatever the people are,

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<v Speaker 3>that's the one that gets Yeah, I certainly.

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<v Speaker 2>Don't want to be like that either.

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<v Speaker 3>And I do think that the best possible solution or

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<v Speaker 3>outcome here is if this is actually a bargaining chip

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<v Speaker 3>for countries who have had higher tariffs against goods that

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<v Speaker 3>we send. Yeah, but if the goal is to keep

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<v Speaker 3>tariffs around because tariffs ultimately are going to make us wealthier.

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<v Speaker 3>I think that's a misunderstanding of economics. And if widespread

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<v Speaker 3>tariffs remain for months and years, then I do think

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<v Speaker 3>that we'll all feel the economic pain. And obviously the

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<v Speaker 3>stock market today is kind of reacting to the ARF

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<v Speaker 3>news not very well. They also believe that this is

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<v Speaker 3>going to lead to reduced choice for consumers, less wealth

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<v Speaker 3>and enhanced There was a study from the Yale Budget Lab.

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<v Speaker 3>They basically predicted that the average family is going to

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<v Speaker 3>lose something like three to four thousand dollars in purchasing

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<v Speaker 3>power if tariffs like this hang around. And I'd see

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<v Speaker 3>that as a distinct possibility.

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<v Speaker 2>Well, I you know, let's be honest, Joel.

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<v Speaker 1>As much as we'd like stocks and all of that

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<v Speaker 1>and trading to be an intellectual exercise, it's not.

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<v Speaker 2>It's an emotional one, that's true.

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<v Speaker 1>So I mean that really in a time where the

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<v Speaker 1>country is at its peak emotional instability, So it's that's

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<v Speaker 1>kind of a hard one. All right, We'll be back

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<v Speaker 1>with more of Joel Lowe's Lars Guard. That's what I

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<v Speaker 1>meant to say. I will tell you this, Joel. I

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<v Speaker 1>found this early on. You're a younger guy than I am.

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<v Speaker 1>They make these bikes that you can peddle, so that

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<v Speaker 1>might save you a couple bucks, and they're very inexpensive.

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<v Speaker 3>So I'm down for both the e bikes and the

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<v Speaker 3>ones that you that you physically have to use.

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<v Speaker 1>So everything has to have an E in front of

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<v Speaker 1>it nowadays. Okay, E toilet, you're just E fridge. Let

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<v Speaker 1>just get a bike, Joel.

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<v Speaker 2>All right.

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<v Speaker 1>Job switching, you know, there was a wild Joel that

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<v Speaker 1>we started hearing, and I think it was I think

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<v Speaker 1>it was just after the pandemic maybe where people were,

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<v Speaker 1>you know, hopping around trying to find more lucrative jobs.

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<v Speaker 1>They weren't necessarily doing the you know, two year stint

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<v Speaker 1>somewhere and then going. They were just bouncing around and

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<v Speaker 1>that might not be the best case financially these days.

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<v Speaker 3>Yeah, I mean, it's amazing how for a hot minute

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<v Speaker 3>there you as an employee could kind of call the shots.

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<v Speaker 3>You had this insane ability that rarely exists to kind

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<v Speaker 3>of not.

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<v Speaker 2>Dictate your pay completely.

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<v Speaker 3>But the job market was so out of sorts post COVID,

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<v Speaker 3>and that was because I think a lot of people.

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<v Speaker 3>They took their their stimulus money and they said, you know,

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<v Speaker 3>I'm going to work less or I'm not going to

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<v Speaker 3>work at all. For a little period of time, we

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<v Speaker 3>just had a little bit more financial flexibility, and so

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<v Speaker 3>some folks took themselves out of the job market and

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<v Speaker 3>that just created a really really tight job market that

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<v Speaker 3>allowed for some folks to just really make a lot

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<v Speaker 3>more money by moving down the street. Typically, you know,

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<v Speaker 3>you go to your annual pay raise and it's like

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<v Speaker 3>you might get a cost of living adjustment that goes

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<v Speaker 3>it's in that two to three percent range, although those

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<v Speaker 3>have had to go up in recent years too because

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<v Speaker 3>of inflation. But yeah, people, it's amazing how much more

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<v Speaker 3>people were able to command by jumping down down the street.

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<v Speaker 3>I had so many listeners calling and be like, I'm

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<v Speaker 3>getting paid twenty thirty, fifty percent more because I started

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<v Speaker 3>applying for jobs elsewhere, and these employers are so dang

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<v Speaker 3>desperate that I feels like you're able to pull off

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<v Speaker 3>a heist. But that that job market no longer exists.

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<v Speaker 3>It's fully gone at this point.

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<v Speaker 2>So where are we.

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<v Speaker 1>Is it back in the hands of the employer or

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<v Speaker 1>are there just not jobs no.

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<v Speaker 3>No, I would say, yeah, it's more in the hands

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<v Speaker 3>of the employer. And I will say with the talking

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<v Speaker 3>about tariffs just a second ago, that is creating more

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<v Speaker 3>uncertainty about the future for some of these businesses. And

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<v Speaker 3>so some businesses are saying, listen, we're just on a

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<v Speaker 3>hiring freeze right now, or maybe their raises aren't going

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<v Speaker 3>up as much as they predicted they would give to

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<v Speaker 3>their workers. So I'm not saying that you can't jump

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<v Speaker 3>ship and get paid more elsewhere.

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<v Speaker 2>That's certainly still possible.

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<v Speaker 3>It's just not like you know, shooting fish in a

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<v Speaker 3>barrel like it was in twenty twenty two and twenty

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<v Speaker 3>twenty three. So the post COVID job market is gone.

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<v Speaker 2>We're in a new era.

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<v Speaker 3>We still have a low overall unemployment rate, which is great.

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<v Speaker 3>It's just that when you shoot your resume out there

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<v Speaker 3>and you're trying to find something new, the rate of

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<v Speaker 3>pay that you can exp you know, maybe you're still

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<v Speaker 3>thinking like it was it's a couple of years ago.

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<v Speaker 3>You can't expect to get some sort of significant rays

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<v Speaker 3>And it's kind of crazy to look at the line.

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<v Speaker 3>The gap just closed significantly between hey before when I

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<v Speaker 3>jump ship, I was able to make a lot more. Now,

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<v Speaker 3>if I go to try to find a job elsewhere,

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<v Speaker 3>the rate of pay is essentially going to be equal

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<v Speaker 3>to what I'm finding now. And I think one thing

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<v Speaker 3>that people need to think about is the secondary benefits

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<v Speaker 3>that are offered through an employer, because those can make

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<v Speaker 3>the big difference. So let's say the rate of pay

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<v Speaker 3>is the exact same, I'm gonna jump over here. I'm

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<v Speaker 3>going to make seventy grand. I was making seventy grand before. Well,

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<v Speaker 3>what are the perks are there thrown in there? Because

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<v Speaker 3>that can make a big difference, whether it's a bigger

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<v Speaker 3>match to the four oh one k, whether it's a

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<v Speaker 3>more generous healthcare plan, something like that. Think through those

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<v Speaker 3>things because those matter even more. I think in this

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<v Speaker 3>kind of job environment, I.

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<v Speaker 2>Couldn't agree more those.

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<v Speaker 1>I think a lot of people look past those and

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<v Speaker 1>they are not equal. And even the person you're working

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<v Speaker 1>for or with makes a difference. And it's worth money

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<v Speaker 1>to me.

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<v Speaker 3>Yeah, I mean you have to work with with Kono,

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<v Speaker 3>and that I think can be really tough. You got

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<v Speaker 3>to get paid more to work, you know what I'm saying.

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<v Speaker 1>Uh, sometimes it's a kick in the nuts. I'll be honest,

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<v Speaker 1>and sometimes she doesn't really pay off. So that's like

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<v Speaker 1>a fifty thousand dollars a year punch to the gut

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<v Speaker 1>for me. But then you bounce that out with Amy,

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<v Speaker 1>who's a doll and, yeah, you kind.

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<v Speaker 2>Of worked your way through it all. That's a good point.

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<v Speaker 1>Joel lars Guard heard Sundays noon to two pm how

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<v Speaker 1>to Money. You can also find him how to Money

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<v Speaker 1>Joel on social media. Thanks Joel, always good to talk

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<v Speaker 1>to you, buddy.

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<v Speaker 2>Thanks for having me.

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<v Speaker 1>Neil