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Speaker 1: I'm ready, all right, Welcome to another episode of the

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Chicks on the Right podcast where we talk to our

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friend and sponsor of the show, Zach Abraham from Bulwark

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Capital Management, and today we're going to talk about the

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so called annoyance economy.

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Speaker 2: There's this new report.

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Speaker 1: It's from someplace called Groundwork Collaborative, and they found that

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the annoyance economy, which includes things like subscription canceling, dealing

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with insurance, paperwork, junk fees, all of these things contribute

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to one hundred and sixty five billion dollars a year.

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Speaker 2: That's what it costs all of us to just.

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Speaker 1: Deal with those tasks because companies recognize this is a

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good way to just like make money without you know,

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a whole lot of effort.

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Speaker 2: So how I mean.

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Speaker 1: And some of the biggest drains according to this report

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include those junk fees, include healthcare administrative hassles, the non

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stop spam calls, tech.

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Speaker 3: Subscription so subscriptions. I feel like I'm guilty of this year. Guys, like,

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I'm certain to panic just listening to her, because I

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swear I think I probably have like subscriptions, you know,

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like even little things you don't use anymore.

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Speaker 2: Like apps. I know that's not ridiculous, but even apps.

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Speaker 3: And I'm like, I may have bought apps that cost

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like twenty dollars a year, and then I'm like I

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forget about them.

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Speaker 2: I'm like, I have that app, what and so?

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Speaker 3: And I know there are probably other apps that you

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can get to clean up those apps, but I'm just like.

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Speaker 2: Where does it end?

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Speaker 1: You?

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Speaker 4: Know?

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Speaker 1: Well, I'm curious, Zach, when you're dealing with folks in

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your practice, do you ever uncover these kinds of sort

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of fees that people are paying that they don't even realize.

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Speaker 4: App?

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Speaker 5: Absolutely, so let me give you. Let me give you

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a little simple tip. This is everybody can use Hey,

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call your bank, tell what, tell them you've lost your

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debit card, and issue you a new one.

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Speaker 4: Everybody that's tied to that debit.

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Speaker 5: Card, yes, will send you an email and say your

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payment did not go through. And then you go through

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and pick out which ones you want to re up

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on and which ones you don't. Yeah, I'm dead series. Yeah,

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So use the same use the same email, right, have it?

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So I've got a separate email for subscription stuff like that.

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And well, usually something happens to a card. But There

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have been times where I'm just like, you know what,

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let's just cancel the card and then you go and

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then you go back and select which ones you don't

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and usually it's like a fifty to fifty you know,

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but hey, that's the easiest way to do it.

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Speaker 4: You don't need to go pay an app.

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Speaker 5: Yeah, you don't need to go pay yeah, just make

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sure you use the exact same card every single time

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for those things, right, and then just go through cancel

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it and they all kick you the automatic email, Hey

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your payment didn't go through.

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Speaker 4: And you're like good right.

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Speaker 1: Yeah, yeah, I mean, are like so killer because there

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it's tiny, right, It's like, yeah, oh you think, well,

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it's just a couple of bucks, I'm not going to

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worry about it.

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Speaker 2: But that stuff adds up so quick. Yeah.

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Speaker 5: Yeah, it's death by a thousand cuts. And then and

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then you just you're just leaking money right and left,

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you know what I mean. And especially if you're younger

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and you've got to restrict an income, you got to know,

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what's you know, twenty bucks here, thirty bucks there.

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Speaker 4: It matters.

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Speaker 3: So what would be GOA No, I was gonna say,

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what would be the second thing next? To that would

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be like that's draining you just from that. When you

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say a thousand cuts, what would be one of the

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thousand a thousand cuts that's probably next to like one

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of these little junk fees.

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Speaker 2: Then would it be food? Is it food?

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Speaker 4: Yeah?

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Speaker 5: Like yeah, eat now? Food and coffee that kind of thing.

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Where would you just see amazing amounts? And it's such

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an easy it's such a it's such an easy habit

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to break, you know what I mean?

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Speaker 6: Is it why I think wouldn't market food? And with

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me it's coffee? We are like, is it yeah?

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Speaker 3: Because I'm not a very good person when I don't

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have my coffee.

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Speaker 4: Well, no, but you could do.

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Speaker 5: I'm not either. I got to have two cups before

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I can even tie my shoes.

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Speaker 4: Right.

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Speaker 2: But she likes and she loves the fish. She she's

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a foodie.

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Speaker 3: She loves restaurant, she likes she's a nice restaurant girl.

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Speaker 2: I am not that girl, but she is that girl.

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Speaker 5: And I could not give it up, No guy, no,

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look but here these are all these are me too, right,

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And I love going to really nice restaurants and spending

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too much.

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Speaker 4: It's a I just love it.

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Speaker 5: We call it you know, sit there for three hours,

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the whole deal.

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Speaker 4: No, I love it.

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Speaker 5: It's like it's like a sport, right, and then it's

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and it's the whole experience.

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Speaker 2: I'm the medalist at that sport.

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Speaker 5: Yeah, I will, Yes, true, I mean we yeah, so

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am I right?

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Speaker 4: I mean my wife?

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Speaker 2: What we need to ask him? I'm sorry, Zach, I'm no.

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Speaker 1: We had this question on our show a couple of

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weeks ago where there there's this like scenario where you

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could get a billion dollars right now, something billion billion

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dollars if you agree to only eat plain chicken and

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rice with no seasoning.

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Speaker 2: That's it for the the rest of your life. Would

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you do it?

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Speaker 4: No? I wouldn't know that.

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Speaker 2: There's no way, no way I could advise it.

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Speaker 5: And I said, yes, what what what's the point I

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have a billion dollars if I can't go out to

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a nice restaurant.

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Speaker 2: What I said?

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Speaker 3: And it's so funny because I asked that same question

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to so many people in my family, and my family

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is the exact same way.

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Speaker 2: They're like, of course I would take it, like our

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son was. Our son did not hesitate.

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Speaker 3: He was like, of course I would eat chicken, rice,

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the rest of my life, like, what are you crazy?

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Speaker 2: Of course I would like, what.

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Speaker 4: Are you going to do with the billion?

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Speaker 2: Then? If you can't everything else?

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Speaker 5: Yeah, No, there's an age in life where I would

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have looked at you like you're not said, I'd have

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taken the billion dollars.

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Speaker 2: He's showing, Yeah, but you.

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Speaker 5: Know, my life's pretty comfortable as it is, and say,

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you know what, I can't know. I don't need to

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and I don't have anywhere close to a billion dollars.

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By the way, I'm not saying it is.

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Speaker 3: It's a it's a pretty interesting question because some people

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are really into like some people love the long, lavish dinners.

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And then if listen, if I can still have a

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cup of coffee every day, I could probably eat chicken

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rice every day.

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Speaker 2: I probably could have not really.

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Speaker 5: Well, and this and part of this goes back. Part

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of this goes back to the conversation. And I understand

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that people don't believe it, but money's really disappointing. It

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like if you can, if you people, we ascribe so

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much to it because so few of us actually have

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the ability to do something, you know, like have a

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private jet or something like that.

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Speaker 4: We just overvalue it.

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Speaker 5: And I'm just like, there's the studies that have been

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done where it's does money make you happy? And the

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answer is up to a certain point, and it's about

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two hundred and twenty five hundred and fifty thousand dollars

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where you don't have to worry about tomorrow, right, and

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there's more money there than the immediate financial need.

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Speaker 4: After that, the rate starts falling off.

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Speaker 3: Yeah, But wouldn't it be kind of fun to give

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a lot of it away?

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Speaker 2: That's my thing.

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Speaker 3: Oh, I'd think it would be to have so much

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money that I could give so much to, Like I

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would want to give so much of it away, like

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anonymously and watch people.

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Speaker 4: Yeah, no, that would be a blast.

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Speaker 5: But maybe as you gave it away that bought some

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foods back.

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Speaker 4: I mean, you like a restriction diet.

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Speaker 2: It would suck to give it away and then be

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eating chicken and rice. Is that what you're saying? Yeah, yeah, exactly, Yeah.

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Speaker 5: That's hey for such a philanthropist like yourself, that's a

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mighty bland meal.

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Speaker 6: You're eating it and rice.

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Speaker 1: Yeah, that's just such an interesting question, is and you

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wouldn't necessarily because when you first hear it you just think, oh,

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everybody would easily just have chicken and rice for a

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billion dollars because that's so much money.

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Speaker 3: But I want to think about it.

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Speaker 5: There's just no way that'd be like saying, do you

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want a billion dollars?

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Speaker 1: But you can never go on vacation, right, Like you

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could never actually enjoy the billion dollars.

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Speaker 4: Now, yeah I can't.

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Speaker 5: No, well, and then like and and and then mock's

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probably like this, but like when my wife and I

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plan out a vacation, it's location first, and then we

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literally plan the rest of vacation around the meals, right

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like we're gonna hit up here, we're gonna have this,

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We're gonna go yeah.

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Speaker 4: Yeah. Now.

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Speaker 5: The only problem is, especially when her and I go

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on vacations by herself, we both usually come back seven

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pounds heavier. That's okay, or excuse me, excuse me, I

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come back heavier.

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Speaker 4: She she didn't put on a single pound really.

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Speaker 5: Usually, I just know I just said we come back heavy,

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and I'm like, I'm not supposed to say.

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Speaker 2: That about her, Okay, okay, yeah.

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Speaker 4: I pack on the vacation way.

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Speaker 3: Yeah, I was going to say, because you got the

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same thing I mean, that's okay, God have the food

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you do.

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Speaker 2: Yeah, I hear you, guys.

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Speaker 4: But he doesn't make it.

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Speaker 5: If you can't, If I'm not going to sit there

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and be able to have a great bottle of wine

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with a phenomenal state and some great sides, or what's

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the point of being what's what's the point of being

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a billionaire?

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Speaker 1: Yeah?

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Speaker 4: Yeah, exactly, Or no cheeseburger ever again.

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Speaker 3: Ever, you're right, cheeseburger, that's heart. You're driving a hard bar.

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Speaker 2: Or chips and pso. I mean, live in.

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Speaker 3: Texas, there's a lot of You're right, there's a lot

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of great Mexican and barbecue.

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Speaker 4: No more ribs.

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Speaker 3: Maybe I could pay somebody to make the chicken and

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rice taste like a cheeseburger, you know, like an ever

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lasting gobstopper.

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Speaker 5: They're making meat, and they're making meat and labs, now right,

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you know what I mean?

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Speaker 2: Yes, it's true, exactly. That's the next thing. This has

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gone totally off the rails. Rails.

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Speaker 1: I don't even remember, like what our topic was, but

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you're talking about junk fees.

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Speaker 4: Yeah, junk fees. So just cancel the debit card, man,

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that's the.

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Speaker 3: Easiest way to do it, okay, greatest advice. You wouldn't

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take the billion dollars, you would take the food.

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Speaker 2: I love that. I think that's great. And you know what,

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Zach's his webinars. Never go off the rails, they doubt

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ever they're not. You can find those by.

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Speaker 4: Visiting your transitions. Don't go off the rails down, always

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on there. It's like.

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Speaker 2: They're off as the kids with.

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Speaker 4: Bulwark or they're T right, isn't that your thing?

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Speaker 1: Now?

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Speaker 4: They're t I don't never know.

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Speaker 2: I can't keep track.

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Speaker 5: I'm gonna play this episode for my kids, just so

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my fifteen year old daughter can hear that I use

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the word T.

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Speaker 4: You tell them.

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Speaker 1: We said that you were looksmaxing today.

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Speaker 2: Right.

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Speaker 4: Oh, I don't know what that means, but I think

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it's good.

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Speaker 2: Right.

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Speaker 4: Yeah.

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Speaker 5: You get our webinars at Bowarkcapitalmanagement dot com. Sign up

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for free. We don't call you on the weekends. We're

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not going to chase you down. If you like what

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you hear, we can book a meeting with me or

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one of our other advisors. If not, hopefully you come

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more educated, like cancel your debit cards. Right, those are

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invaluable nuggets for to give you on these webinars. Yeah

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so Bulwarkcapitalmanagement dot com. Know Your Risk podcast dot com.

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Speaker 4: Not hard to find.

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Speaker 2: Aw thank you, Zach, Thank you ladies.

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Speaker 5: Investment advisory services offered through Trek Financial loc and SEC

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Registered Investment Advisor. The opinions expressed in this programmer for

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general informational purposes only and are not intended to provide

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specific advice or recommendations for any individual or on any

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specific security. Any references to performance of security so it

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thought to be materially accurate and actual performance made different

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or Investments involve risk and are not guaranteed. Past performance

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doesn't guarantee future results.

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Speaker 4: Track twenty four three zero eight