From Sugar Free Life to the Crystal ball of Retirement

Ever had a tech meltdown during a creative project? We know that feeling all too well, which is why we're jazzed to share our latest acquisition: a colossal 14 terabyte external hard drive that's revolutionizing our content creation process. Our latest chat isn't just about tech triumphs though; we're peeling back the curtain on how we shape our podcast's engaging format, from structured dialogues to off-the-cuff banter. We're even putting out a call to action for your input on the discussion styles that hit the right notes for you.

Switching gears to a more personal note, I take you through my own health journey, confronting severe liver damage head-on and steering my diet down a healthier lane. It's a transparent tale from succumbing to a sugar-heavy diet, to discovering delight in zero-sugar rum and culinary creativity that doesn't skimp on satisfaction. Plus, we'll explore how these life changes can affect social dynamics, and how to navigate gatherings without abandoning your health goals or your social life. It's all about striking that delicate balance between well-being and still relishing the good times.

Lastly, we're unpacking the complexities of financial planning and how it varies across the pond, from U.S. retirement schemes to Australia's superannuation. Our discussion branches out to encompass life insurance tweaks and the offbeat idea of collectibles as inheritance – yes, my Planet Express ship could be someone's treasure down the line. We're also swapping stories with friends about the idiosyncrasies of bequeathing belongings. So if you're a dad trying to stay afloat in the parenting pool, or just someone eager for a hearty mix of tech, health, and fiscal savvy, this episode packs a punch!

Transcript

Speaker 1: 0:01

Turning off normal human male mode. Switching to dad mode. Welcome in to dad mode With your hosts Bearded, Nova and Morph.

Speaker 2: 0:18

By the way, I kept running into space issues with the videos that I'm recording and stuff I've had in the past. So I finally got myself a good external like a 14 terabytes for like 200. Yeah, 14 terabytes for like 200, jesus christ it's it's it. The price was insane and it was a it's western digital, not even like a no-name brand. Um, and it's way more space than I need.

Speaker 2: 0:43

Right, there's more storage on this drive than I have it sounds more like a NAS box than it is a yeah, and it's like you know, 10 inches high and 3 inches thick no, that was a thing. Yeah, and that wasn't even the biggest one. I could have got up to a 22 terabyte in the same form factor terrible right it has. No, it was not even rated. That's the thing. It's not even rated. It's an odd size disk drive.

Speaker 2: 1:19

Yeah, but I got it I just dumped all my davinci shit over there, all my new and all my old videos, my, my. Now my computer is like oh, oh, thank god for taking that all off me.

Speaker 3: 1:34

Well, I was talking about that earlier too with my storage where it's just like random stuff, after effects, like I'm gonna buy another hard drive just for after effects and it's scratch discs because I can open up one project that I have, because I have lots of projects set around, bits and pieces, to to make them make something for this show or make something, yeah, for a content creator or something like that, where you know, in the moment me opening in it if I I have to delete the temp drive after I've opened the project file because it's just huge. Yeah, it takes up like 50 gigs, 60 gigs at a time.

Speaker 2: 2:11

Yeah, so DaVinci keeps cache copies of everything you touch to make it faster, and I was having to go on weekly and delete the cache because I was managing a hundred gigs on like a one and a half terabyte drive and now I'm just like I'm gonna let it run, because now I have the whole one and a half, like I'm down to only using like 200, um for da vinci alone, just 200 uh gigs. So I have 800 gigs plus free from all the old files.

Speaker 3: 2:43

it's insane for anyone listening to this and you do content creation and you don't know where it is you and it's just running off default users, your username, app data. If you're ever looking for space and windows isn't reporting it, just right click properties on app data. It will have all your local, local local roaming and temporary files in there for your apps. You will find your adobe, your davinci or whatever will be the cash cow inside that. This is your friendly reminder to clean that shit out was this the start of the episode by?

Speaker 3: 3:21

the way I using that. It was a great way to tell me that you had more storage.

Speaker 2: 3:27

What are we covering this time? I?

Speaker 3: 3:29

don't know Same shit.

Speaker 2: 3:31

Okay.

Speaker 3: 3:32

I'm liking this casual flow from last week and previous weeks where we've done casual flow, so I'm thinking we just keep going with casual flows. Yep, it's now more looking forward to future guests and just bringing them in to see what casual shit they can speak about too yeah, you know, because, like when we have guests on, you know, there's I, in a way, have like a, a few questions.

Speaker 2: 3:54

I'd like to ask every guest to sort of like keep it even, um, but then I think for them it might be new, but for you and I it's like yeah, okay, we talked about this. It's like when I used to stream all the time and I talked about the same thing every single time. You know, just talking with people, just to talk with them, would be cool they bring guests on and then those guests would get.

Speaker 3: 4:16

I I miss those streams of yours. In a way, they were great fun. They were so because some, because you had some guests that were just, especially when you mixed it, because you didn't know what you're going with a combination, you have the guests that would come in and they were like, okay, this is what we're talking about, this is the topic. And then you just mix someone with, like me, it would come into the topic and I would just take it elsewhere. And you can see on these other guests face like I don't know where we're going with this. Why, why have we tangent?

Speaker 2: 4:47

yep, I I did so many things, like I remember I've had guests that are very nervous. Almost every guest was a streamer or a content creator of some kind and but I would have some that would come in to be so nervous like it was like pulling teeth to get them to speak. It's like I was just carrying the conversation and then I had I would ask some questions they wouldn't know. It'd be real awkward. So I started like giving them a list of topics tell me which of these you'd like to talk about, so you can think of some things to say, and then I know what I'm going to ask you. Um, and then I had some people that I would do that and they would like they would just go off on a tangent and, and I'm like, cool, my brain works that way too. So it was a lot of fun. I'm not going to lie, it was a lot of fun doing it. Yeah, it's just a lot of work, that's all.

Speaker 3: 5:35

I'm going to say do you want feedback on this? If people want the more random, loose conversations, let us know, because I'm happy doing these more than a structured, or they want structured, or there is a topic we've had people in the past mentioned things that they want to hear about, happy to talk about, yeah, different things, but we do typically in most of our episodes.

Speaker 2: 5:59

You know, touch on like parenting. You know, um, yeah, but you know the the podcast is called dad mode. It's it's whatever we feel like talking about, to be honest with you um it just happens that we have we both have, you know young kids and so like that's what we are dealing with a lot, so it comes up a lot, you know. So yeah, exactly, exactly being older.

Speaker 3: 6:25

I was talking about thinking about dad's. Older, younger people don't think much about yourself and then you have children and you get old. Yeah, with the constant internet meme, hey, I rolled out of bed and my back's fucked. Um, I've had to go to the doctor because we were. This is during the pregnancy. So we're at the doctor and the doctor's talking to me. He's like oh, we'll just do some random bloods, let's check on you, we'll make sure you're all right. Well, I'll, maybe. I'm fine, I don't need. I don't need anything. I'm not feeling, feeling sick. Why are we doing this?

Speaker 3: 7:04

So I started doing the general health at an older age. It took us a few months. I'm no longer allowed sugar in my diet or fat like the good fats. I'm about to have it like a dietician. Basically. My liver is like a stage of me being like one of those severe alcoholics where I've just killed it with sugar and energy drinks and lollies and snacks and candy and shit like that over the years. You don't know that apparently I should be in a lot of pain with my liver. They said do you feel excruciating pain along here at certain times? No, I had to inform the doctor. I'm a person that breaks a bone and I'm quite content not having to rush off to the hospital. I'll do it when I'm ready, not when my bone is telling me that it needs to be sorted. This is a whole new diet that I've got going on.

Speaker 3: 8:00

I remember sitting down with the dietician a couple of weeks ago and she's going through the things that I can't have this and that, and she goes oh, red meat. Anyone knows me, I like barbecuing, so red meat's not great, because you want to eat as much fish as you can, go for it. Chicken, fine, but no skin, because personally the skin's the best part of the chicken. Yeah, but so no skin of chicken. And then red meat it has to be lean cut.

Speaker 3: 8:30

So I looked at her. I'm like so you're talking about none of the fat on like a steak. And she's like, yeah. And I looked her dead in the eyes and I went the better the steak, the more fat there is, like the marbling, and I can't enjoy good steak anymore apparently. Yeah, we're allowed to have that. You know, I've got the big offset smoker and everything outside there. We had a barbecue. I was saying last episode a few weeks ago and it was all about bringing red meat and different types of meats and I'm sitting there on the couch with my phone scrolling things. I'm like I'm gonna make uh pork belly burnt ends for everyone and my wife's just looking at me. As I'm looking at, she goes why are you looking at this food? I went.

Speaker 3: 9:21

Oh, the barbecue the friends would like that and she goes you can't have that. I'm like it was just depressing. She goes, I'm gonna make some chicken. I'm gonna make some chicken and vegetable skewers to take. I'm like, oh okay, saying they were delicious, I enjoyed them a lot, but like it was yeah sad, just like like I was, I've been the guy in the group that would go up to the barbecue and there's a massive brisket and then I brought pork belly and I've done you know so many things. That's no longer me. It's like I've lost a period, part of myself yeah it.

Speaker 2: 9:58

It's not bad enough that we can pull a hamstring sleeping at night. Now we can't even eat the shit that we want to eat, like it's. Yeah. What's the point? What's?

Speaker 3: 10:12

oh you know, I'm probably wrong. That said barbecue. I was drinking rum and I like it because I don't know over there, but, like, like the shirt, everything has to have a nutrition table attached to it. Um, so I found myself that person that goes to the shopping center and is like, yep, no, I can't have that. Yeah, when I'm looking at everything, yep and rum, zero across the board, zero sugars, zero fats, zero carbs, I'm all good with that.

Speaker 2: 10:45

I have noticed that on other liquors that I drink harder alcohols and I'm like this is practically healthy, like you know, practically healthy. And I also assume if I buy something, some kind of alcohol, and there are no nutrition information on it, that means it's just good to go that's how I like to interpret that you know I'm drinking uh bundaberg rum over here, which is a red rum.

Speaker 3: 11:16

Yes, and it is made purely from sugar cane. Okay, and I know, technically, alcohol is just fermented sugar and it's burnt off.

Speaker 2: 11:29

Yeah, it's made from sugar, but now you're telling me there's zero sugar in this thing because they brought on the bad parts and just leave you with the good yummy stuff yeah, and then so well, I had that.

Speaker 3: 11:41

And then I can't have sugar drinks. I used to drink the red rum, uh coke with it at the time. So then I have another friend that's similar situation and he goes try it with pepsi max. Okay, okay, yeah, I finished that bottle.

Speaker 2: 12:01

It was good what if you took this healthy red rum and you found a way to marinate your lean steak in it? That would be a double bonus, right?

Speaker 3: 12:15

I just made something healthy, really.

Speaker 2: 12:17

Yeah, you did. You might even be able to marinate a fatty piece of steak in it and the health effects of the rum kind of cancel out counteract counteract.

Speaker 3: 12:30

You get bad and good and just evens itself off to moderate um as a disclaimer we are not medical professionals and please do not take any of this advice but the so let's set a journey of like removing sugar for everything.

Speaker 3: 12:46

So, like I used to like caramel latte, can't have caramel lattes anymore, it's just a normal latte, no sugar. You know, that's new I'm. I've taken that on board, that's fine. Where, as I said this, now you know your pepsi max and that, because I went through a period of no, I took like everything out of the house like sugar related and I just wasn't having anything. And I swear, a week and a half ago I looked like a crack addict on the couch, like my body was finally like hit this peak of hold on. I haven't had sugar for like two weeks. What's going on? And then one shut itself down.

Speaker 3: 13:24

Um, so now I've had to venture into like the mind tricking myself in a way, like I go get some pepsi max and then I have a drink of that. So it's like, oh look, you're having soft drink, it's got sugar, to see if that would just like calm itself down. But it doesn't. Just so we know it doesn't work like that. The mind does know that that's a sugarless drink that you're putting in. Maybe if I had someone just go and pour me a glass and then bring it out and say, hey, here's a drink, drink it.

Speaker 3: 13:55

But one of the new drinks that I'm drinking occasionally is a lemon squash, because you guys don't have A. What you guys don't have Solo. You just don't have solo, do you? So it's not. Now, it's a strange thing. It's basically a lemon like a lemonade, but mainly lemons, so it's like a very citrusy great for first quencher great. They do a sugarless version of it. Okay, I don't know what's in the sugared version, because they taste exactly the same. They are a spitting image. Drink Like this is a sugared version of a drink where you've got no difference in the taste.

Speaker 2: 14:37

It's all chemicals, right, that's what it's got to be. It's got to be the chemicals, by the way. So, like when you're telling me like you're a crack addict for sugar, I can imagine like one of your kids are walking around with like something sugary and they drop a little on the floor like you just like diving at it like that, ah, sugar, like that's that's.

Speaker 3: 14:56

That's what was the image that was going through my head I'm like golem uh, my precious, take the bag away, run back to my cave, close the door behind me taking the donut like it's a ring, you know, yeah, yeah just holding it up.

Speaker 3: 15:14

Um, though, my daughter actually had a friend over and she came out the other day and goes I need a bowl like a large bowl. I went, what, what for? And she goes, oh, we've got candy lollies, all right, just eat it from the pack. But she goes no, we're making a. I don't know, there's a thing, um, a candy salad, lolly salad. Never heard of it. Apparently they're doing it for tiktok. So I haven't googled, I haven't tiktok that yet, but apparently it's a trend. Anyway, they come out with this giant bowl just filled with different candy and chocolates and stuff and looks like, you know, kind of like a salad bowl. I guess that was hard looking at that. We had my wife's cousin over because she's over every week and she knows I'm on this diet, so she's picked up something that she likes out of it. She's like look at what I've got, I'm going to eat this. Looking at you, you arsehole, because I've lost weight.

Speaker 3: 16:15

I've lost weight, the typical male thing where males don't really work that hard sometimes and they just start losing weight when they change something. You know, she goes to the gym. I just took sugar out of my diet and I've lost you know 12 pounds or something over a week or two weeks or something, um. So she's trying to eat this chocolate in front of me, going oh, look at this, with this chocolate wasn't even one that I like. That's what I said to her. I'm like you got a whole bowl there. I don't even care, eat that, I don't, I'm interested in this. So if you picked up that, that would have made me interested as something she hated. So it's like I made this lady eat a candy that she doesn't like purely to try and make me feel bad. And her whole face it looked like she was eating a pile of dog shit.

Speaker 2: 17:02

We'll try to do it, but yeah, losing weight.

Speaker 3: 17:09

I guess the main thing is to keep me around, as my wife said she goes oh you know it's so, so you're still living. And in my return comment was I'm already halfway dead. Like 40 pretty much means I'm past halfway. Yeah, someone informed me. Apparently the average lifespan is past 80 nowadays, me I was aiming for. Apparently I was aiming for 70. If I got seven, five years of retirement, I'd be pretty happy with five years of retirement I'm not saving enough for like to live to 80 when I retire.

Speaker 2: 17:43

So, yeah, it can't be 80. No, maybe not. I hope not. I'm just gonna off a cliff.

Speaker 3: 17:51

I've been celebrating and being over halfway for years, so, yeah, yeah, it's like I've just won won the life lottery.

Speaker 2: 17:58

I've added an extra couple of years to my life Apparently all I want to be able to do is stop working before I die, Cause I don't want to be still working when I die. Like I want some time where I'm not working.

Speaker 3: 18:14

I mean I have to double check, but I believe for my generation, our, our retirement age is 65. Yeah, okay, and that's that's usually when you can stop work and access your superannuation, which is like a 401 you guys are doing something right, because life expectancy in the us is 76 years, in australia it's 83 see, I was planning that, not even halfway now I'm over halfway well, I'll tell you what we're doing, because I'm watching that peacock tv and I said I've got things to bring up about this now that I'm vpn'ing, vpn'ing my streaming from you know, your side of the world this is all hypothetical, because he definitely isn't doing that.

Speaker 3: 19:14

Took a lot of time to get Peacock to take my money. All right, but it's a show in itself really, because they have commercials and a few things. Celebrities endorse way too many products than they should. I'm going to say that. And it's weird products. It's really weird corny ads that you guys have. I don't know what to say about that. I laugh a lot, but then I'm surprised. It's confusing. Why is Ludacris doing home contents insurance?

Speaker 2: 19:54

Don't ask me to explain anything about the us at this stage I can't.

Speaker 3: 19:57

But then one of my favorite ads happens to be a subway ad and it's about how all the desserts are now footlongs, so you can get a footlong cookie and a footlong. This we don't have that here. We're not allowed. We're not allowed that type of stuff.

Speaker 3: 20:18

But in that entire life expectancy is 76 exactly at the end of the ad it's got this tiny little sub that's healthy, right in the background that you can't see, but in front of it is all these giant desserts instead saying subway. It's just, I've heard about subway. Um, I know somebody used to be the the eat a sandwich a day and I lost a lot of weight. You know let's not talk about jared, but oh god that. You know they had their thing. You know they had their health thing for a while. Then it seems like subways really let itself go.

Speaker 2: 20:51

America's let itself go and they're just following suit. That's all it is.

Speaker 3: 20:58

I'm getting the crazies over here. I'm running into some of the crazies, some weird crazies. I see US tourists, uh-uh Like natives here, where I've talked to people and I've always said I don't want to go too political on the show, but I just, I love this because it is political, but it's just, I can take the tinfoil hat off people Is. You know, trump's running America in the background, the background. I'm behind. He's pulling the strings of air. What the fuck? Why am I hearing that over here? Why are people bringing that conversation to me?

Speaker 2: 21:45

just, it's just a warning, because if he gets re-elected it will just be like world war three or two according to him.

Speaker 3: 21:53

But I don't know he might go back to russia and drink you know russian prostitute urine or whatever that is um, yeah, uh but yeah, your ads commercials have demonstrated that life expectancy difference was purely that. Some of the ads for food I'm jealous, I'm not gonna lie. I'm jealous, especially nowadays where I can't eat any of that here at all. So I see some of the stuff.

Speaker 2: 22:20

I'm like, oh damn it, if only I could, if only yep, we, we eat worse, we work longer and we die 10% sooner than you guys. And that's why? Because you guys.

Speaker 3: 22:34

We didn't go on that. What's the time and age over there?

Speaker 2: 22:37

Huh.

Speaker 3: 22:38

What's the time and age Well it depends.

Speaker 2: 22:40

So it depends by generation, like for me, I think. Full retirement age is 67. Early retirement is 62. But they're talking about depending on who wins, like our kids and they're 70, etc.

Speaker 2: 22:52

Yeah, they want to raise the retirement age yeah yeah, you know, because you know they're like oh, people are living longer and you know, um, the retirement benefits aren't designed to last for 20 something years, so they want to raise. They want to raise the age before you can retire and it's like, you know, I'm not 50, and I don't want to work more now. You know I'm already done. Don't tell me I got to work till 70-something. To hell with that.

Speaker 3: 23:22

Well, that's what I said to a walkie the other week about, like winning a lottery or something Like technically speaking, we don't need this much money out of lottery and I wouldn't have to go back to work because that's how much in theory, I would make X amount. Yeah, you know, including tax, not excluding tax. Like if you wanted to save my whole pay excluding tax, I only need to earn an extra. You know, $3 million until I retire, or something like that. I'm going to do that by the time I'm retired. So if we won $3 million, we're up. I can just stop working, basically because I don't know what your retirement's out. But yeah, we have the superannuation which you get when you retire. What?

Speaker 3: 24:04

is it superannuation, which is 401, okay, so, uh, I think it's like 11 percent of your salary has to be superannuation. So, yep, uh say say i110,000 a year. Then my employee has to put on top of this because it's not included in your salary. They'd put about $11,000 into an investment fund. Okay, but I can't access the investment fund. Oh, so your superannuation is locked away and you just keep adding to it throughout your entire working life. Okay, and then when you're 65, you can access it so that's so 401k.

Speaker 2: 24:54

Over here, our conversations are interesting the way they flow, but anyway. So you pay into it and you might work for an employer that will contribute a portion of it. I work for a very good employer, but they only contribute up to $7,000. No matter how much you make Up to, depending on how much you contribute, right, and it doesn't carry over from employer to employer Like you have to. You get a brand new policy when you go to another employer at some point.

Speaker 3: 25:23

Maybe you can merge them, but probably you can do that here, but you do merge them Like I actually nominate my, my cat now.

Speaker 2: 25:32

Yeah, so. So that's how that works, and you might work if you work for a smaller employer where they're not held to certain laws. They don't even have to contribute and they may not even have a policy for you to contribute into, so it's definitely not standardized over here. We have a Social Security thing where you get a guaranteed amount of money per month when you retire, based on how much you've earned through your life.

Speaker 3: 25:58

Yeah we just call that dull Okay, if you just stop working, then you go on the dull. That's why they call that dull okay, like if you, if you just stop working, then you go on the doll.

Speaker 2: 26:04

That's why they call it yeah, blood, yeah you just I, I'm actually in a good place with that because, like they take a certain percentage out of your check up to a certain amount, and I happen to make more than that amount, so like. So actually I'm getting more money back than I was a few years ago because I'm now over the maps. Like they take a certain percent out up to this amount of how much I make and anything over that they they stop taking that percentage out of it. So it's cool.

Speaker 3: 26:32

Yes, it's see. The the retirement, like you can officially retire at 65 and I said you get your superannuation, which is like you're meant to try and make that work for the rest of your life.

Speaker 3: 26:45

That's why it is important, if you're Australia, to assess your superannuation situation and make sure you're getting the money that you should. But then you have the pension, which is like a government subsidy. So if you're, it's all about income related, I guess, but it's the same. As long as you're earning or have under X amount, then you can have a pension which may be $1,000, $1,500 a fortnight or something like that, which is paid to them to do it. But then you've got concession cards and pension cards like pension when you get 65. You don't have to, you don't have to be on anything. I don't think to get a pension card where basically it's a card to say I'm fucking old, give me a discount okay yeah, you know it's.

Speaker 3: 27:35

You know you go back to paying like kids rates to get into amusement parks and movies and that type of stuff. Your medication is heavily subsidized and yeah, um that, so yeah and then on top of my super here with that yeah, yeah, but yeah, super is mandatory type of thing.

Speaker 3: 27:57

Yeah, so it's, it's forced it that, like I said, that I don't put anything into it. I can put money into it if I want to, but it's not mandatory for me to put money into it. My employee does that and then if I am to put money into it, the government will match the money that I put into it up to a certain period.

Speaker 3: 28:19

So if my employee is doing, uh, you know, 11 grand a year. I could turn around and put an extra five grand in, yeah, that year of my money. And then the government would turn around and go oh, you put five grand in, we'll give you five grand as well to go towards your retirement and I can do that yeah so with our 401k um, you basically, like I said, basically your employer.

Speaker 2: 28:40

They'll put a certain percentage in um, but if you put zero in, they put zero in oh right.

Speaker 2: 28:48

So whenever anyone's working I I hire anyone I recommend to them put in at least this amount, because then it'll be matched. You can put in more up to like I think you can put in your um up to 23 000 this year of your own money, um, but at least do as much as the company matches you know, um, and so you get that little extra bonus there. But I do have a pension at my job too, which is rare for the us us use of. Every company's have pensions and that's a dying concept because it's just more money they have to spend on you. But my company does happen to have a pension and so, like, when I retire, so I'll have that pension plus the, the government fund, you know uh yeah and so that that's, that's cool your retirement does sound nicer, though, because you got two of those two types of income in the us.

Speaker 2: 29:40

It's still expensive in our uh, but he's still out of your pocket.

Speaker 3: 29:43

For the you have to save more money because you live.

Speaker 2: 29:45

You're gonna live, uh, 10 years more than me.

Speaker 3: 29:47

So I know, I know that. That's why I brought it up the super thing earlier, like to check it, because I have a guy that actually you know, he I met a fella years ago I'm gonna meet him next week actually and he set my super up. Like he looked down, it's like, oh look, you've got a little bit of money here here, here, like in all these different funds. Yes, that's not going to go well. I guess we're just going to put all that money together and then then you're going to get a better return when you retire, like the the interest, and because they put a bit of money into gold, a bit of money into property, foreign stocks, local stocks, et cetera. It's all about gambling your money, basically to see if your money is going to increase over time. But he's done that. But at the same time, my health insurance and my income insurance and all my insurances actually get paid out of my own superannuation. At the same time, my health insurance and my income insurance and all my insurances actually get paid out of my own superannuation at the same time. Oh, so, like my wife, this is the reason why I've got to do it. If I, if I was to die today, the wife gets two million dollars. Okay, which is. I worked that out as a fair amount at the time, like, okay, this is going to. When I set this all up, it was a fair amount. This will make sure that she's comfortable, kids have got stuff, et cetera. Like I made sure she was never going to be stressed if anything was to happen to me.

Speaker 3: 31:15

Yeah, but I earn a lot more money now than when I started that and I've got another child, yeah, so well, I'm going to meet him next week to go hey, let's have a look at it. Give me your opinion. Do I need to increase this or not? And he's also a great financial guy. Um, does it for free most of the time. Everything he does for me is free. He's just like it's not worth me taking money off because I don't really do anything for you. You just ask me for advice here and there, and if it's something that's going to give me time, I'll tell you how much it's going to cost. Other than that, I'm gonna charge you. Yeah, so he actually does a podcast too yeah, um.

Speaker 2: 32:00

So I have a a really good plan, life insurance plan through my job where, if I were to die, that yeah they get. They get a little over two million, I think.

Speaker 2: 32:13

Um and I always look at it, I think how much am I gonna make the rest of my career versus how much is this paying out? And like there's gonna come a point where I'm like I'm not going to make that much more. And then I got to start worrying about my life because then I got a target on my back because you're like you will, we'll earn more from you being dead. So I think I'm going to negotiate my job to lower that, to always keep it less.

Speaker 3: 32:39

Then I'll earn the remainder of my career so that I don't have to worry watch my value in life yeah, yeah but the it's interesting having to think about all this stuff because you got to think when you're in your 20s you're not thinking about what? Happens to you. You're, you're bullet. You know it doesn't matter. When you get older, that shit matters.

Speaker 2: 33:04

It does, and I don't know why we just turned into financial advice. But I started saving too late, yeah, like I was well into my 30s before I started getting serious about it and I should have started in my 20s. I have a friend that started in his 20s and he retired at 55, and he's got millions, millions, yeah, and he never made any more than I did, but he saved his money and he invested in it. He was smart and I'm buying lots of fancy equipment for my streaming setup instead, you know, but whatever. And helmets? And helmets, don't. No, you know, but whatever. And helmets don't. No, no, don't look at them.

Speaker 3: 33:43

No, um, yeah I actually, yeah, see about buying stupid shit, but as a retirement, there's a. There's a tub in this cupboard behind me. Yeah, I was looking at the other day and it's got all these old Nintendo games in boxes still. And my wife asked me these questions all the time, like why do you have this shit? Yeah, and I keep telling her it's a retirement gift to the children. That's their nest egg. Yeah, I didn't know, I didn't know. Hold on, I'm going to grab it. All right. Little halo box. Okay, very nice, I forgot what was in this until I moved into this room.

Speaker 2: 34:31

Okay, so he's got a black tin box with a halo box and he's Game Boys oh, look at that.

Speaker 3: 34:44

Yeah, right, I've got one of every game boy. Uh, that's pretty cool, the bigger ones in the tub down there, yeah these are worth serious money now. Yeah, I just had them on because I'm a hoarder and it wasn't until I someone showed me. It's like, oh, yeah, you could sell. You got the back cover for to this. I'm like, yeah, like that's like 400, what? What? That's why it's in this metal box now I have.

Speaker 2: 35:15

You know, people just listen to this don't know like I have a lot of collectibles behind me and I have even more in the attic space. Um, and I looked at, I was looking through some the other day that are actually boxed still and like I wouldn't spend 20 bucks on them. Now they're worth like 100 bucks and it's like oh well, yeah, like the same with you. It's like here's uh, here's your uh inheritance, right here.

Speaker 3: 35:36

Yes, there you go you guys don't't realize it. There's money in that room and it's your retirement gift. You know it's my, it's your inheritance. Sorry yeah, you can barely see it. It's very blurry, but in the center of that is a model that I now have to leave to one of my friends, okay. Okay, that I now have to leave to one of my friends, okay.

Speaker 2: 36:09

It's the Planet Express ship. Oh, is that from?

Speaker 3: 36:11

Futurama yeah, yeah, yeah. No, I can't even remember where I got this from, but I can't find it anywhere, and he just wants it so badly he's been jealous of it for years that I have this thing. So that's, that's the set. If you outlive me, this is yours yeah, that's funny.

Speaker 2: 36:30

So I got a. I got a friend who's um, he's over 50 and he's got no kids, no, no spouse. You know, um, I don't know if he has any family left anymore. He's like, yeah, if I die, just come over to my house and just take stuff, whatever, just make sure you take. If you do, though, you got to take one of my dogs at least one of my dogs with you. Give them a home. I'm like all right, that's cool.

Speaker 3: 36:58

I like that. That's a good plan. Just take a shit.

Speaker 2: 37:02

Yeah, it makes sense, I guess right.

Speaker 3: 37:07

Yeah, I get it. I get it. Well, I think this is a good place to end. You know, dad Mode Financial Review episode. Yeah, he said I'm enjoying this off-topic shit.

Speaker 1: 37:21

So, if you guys are, so yeah, if you guys are too, if you want to, if you want to hear us get back to um regular stuff that we can definitely.

Speaker 2: 37:32

We can definitely do that um, but I think it's good to mix it up every now and then yeah, I think it'll be just a general mix-up of just a bit of everything.

Speaker 3: 37:42

That's it next time I said it last time, but probably next time we'll we'll be talking a little bit more about my comeback to streaming. Hopefully I've done streaming by then. Yeah, um, and I can give us an update on what I think that is. If you know, it's changed in a in a sense, um, kind of like something about there is the last time that we had a serious conversation about streaming.

Speaker 2: 38:09

You know you couldn't stream everywhere at the same time, but now you can, so there's a lot of things to talk about yeah, yeah, looking forward to you've been listening to dad mode.

Speaker 1: 38:23

Our passion is navigating this wild journey of parenthood and modern life, from balancing family time to managing your career and still squeezing in some gaming and content creation. And no matter what the women say, they will never be able to pry the controller out of our cold dead hands. Anyway, we hope you enjoyed the show. If you did, find us on Twitter, TikTok and YouTube at DadModePodcast and we can be found on every podcast site at DadModePodcast. Y'all be cool. See you next time.