The Honest Money Talk Newlyweds Need

Episode 81: Pocket Change Podcast

Why is it important to have money conversations before you get married?

Transparency is key, so there aren't any surprises when you get married. Sit down and create a budget to see what you’re currently spending, then combine them to see what you can afford. Having an “our money” mindset, is better than a “your money” and "my money" mindset when it comes to unity in your finances as a married couple.

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Full Transcript

Shea:

Hey, this is Shea and this is Carrie.

Shea:

Welcome to the Pocket Change Podcast.

Carrie:

Where you'll learn better ways to spend, save, and invest and take control of your financial journey.

Shea:

All right, Carrie, are you a saver or a spender?

Carrie:

Well, in my household, since it's just me, I am all of the above.

Shea:

Saver and spender!

Carrie:

Yes, but I am working more towards saving.

Shea:

Okay, well, I'm definitely spender. Money burns a hole in my pocket, so it takes a lot of work. But I think, you know, if you're navigating finances with somebody definitely takes a lot of intentionality and it can be done. So we're going to talk to some newlyweds today who are navigating that in their own lives.

Carrie:

That's right. And they're going to give us some tips on how they've managed to work it out between the two of them. And, you know, the way they save and spend and what they spend their money on. And I'm excited to hear what they have to say.

We're excited to welcome our guest, Amy and Jackson Glas. Amy is one of our Financial Champions here at Leaders, and Jackson is a videographer at B3 Creative Agency.

Carrie:

Welcome to Pocket Change, guys.

Jackson Glas:

Thank you!

Amy Glas:

Thanks for having us.

Carrie:

Okay, so your one year anniversary is coming up. Can you tell us a little bit about how you guys met and your story?

Amy Glas:

Yes. So we actually met, I think I was 16 and he was 15.

Jackson Glas:

I had just moved here.

Amy Glas:

Yes. Yeah, he and his family moved here from Chattanooga, and they came to church Wednesday or Sunday. And I actually met his sister first. And then I met Jackson shortly after. Maybe it was like I met his sister a Sunday. And then that Wednesday night I met him. So we, like, knew each other. We knew our families, but we didn't actually start dating until he came to college years later.

Jackson Glas:

Because she graduated early out of high school.

Amy Glas:

I graduated pretty early.

Jackson Glas:

We were a little like we were a little, like out of sync. And then once I got to Union, we went to Union together… my freshman year, she took an opportunity to snatch me up. And so I was the cool freshman with a junior girlfriend, and everyone was like…

Amy Glas:

Yeah…

Jackson Glas:

How did you pull? I was like, no, I've known her for like three years… like, it's not like that.

Amy Glas:

It was it was pretty funny because I, if I was in the original year I was supposed to graduate, I wouldn't have graduated until May of 2025, but I actually graduated in December of 2023. So yeah. So it's funny because his sister is only a year older than me, but then he's a year younger than me, so I'm like smack dab in the middle.

Jackson Glass:

She’s right in the middle.

Jackson Glas:

So and it was interesting because she graduated early, but then I just graduated from Union. But we knew that we didn't... We weren't going to wait till get married till after graduation. It was just too long. It didn't make sense because she was already graduated and had a great job here and we had that capability. So we just took… my sen… right before my senior year we got married and that was just a really great decision that I do not regret at all here.

Carrie:

I'm sure Amy is relieved to hear that.

Amy Glas:

So we're really excited to come up on one year. So it's been a really sweet year.

Shea:

So one down and forever to go?

Amy Glas:

Yeah.

Shea:

But as you find out, many relationships... Someone's a spender. Someone's a saver. What are y'all?

Jackson Glas:

Amy's our big saver. She's our big saver. And I am the very big spender that is our… I don't… I'm not like buying like motorcycles and boats or anything. It's more just like I love coffee. That's kind of my big thing is any opportunity I can get to go get a really good cup of coffee, I have to take it. Or even just like at home, coffee is my big thing. Like I make coffee every morning. The only thing in our budget that has ever increased was a coffee budget. Getting beans at home and making that. So I'm much more of a spender, much more of a shopper. She's notoriously hates shopping.

Amy Glas:

I really don't like shopping. Yeah, and I will say as a saver, I do like spending some money, but my biggest thing is I love traveling. So in my mind I'm like, why am I going to spend random, like spend money on random things, when I could save it and going like a really cool trip because it's like that experience and those memories mean a lot more to me than just like a random shopping spree. But I also just, I don't know, I try to avoid like instant gratification of those things and kind of wait, which is nothing wrong... There's nothing wrong with being a saver. There’s nothing wrong with being a spender at all. And even with like, going out and getting coffee, I'm usually for going out and getting coffee we're going together. So I do spend as well, but it's just a little bit different in personality. Like I'm more like, nope, I'll wait, I'll save it. And then he's more like, oh, I got this new gift card, let me go get something right now. So it's just a little bit of a personality difference.

Carrie:

So you kind of ground each other?

Jackson Glas:

Yes, it's a very good balance. Yes. I have to kind of, like, force her to go out to eat, like, whatever once in a while and be like, no, like we should, we should go to dinner. And she's like… it’s so expensive.

Amy Glas:

But I'm like, but it's so expensive...

Jackson Glas:

Like we don't go out to eat at all. Like, let's just go.

Amy Glas:

Yeah.

Jackson Glas:

Yeah. As a spender. I do love them mall. I love a good mall. Any opportunity we can get, even if I don't buy anything, like, even if I can just walk around. I love the Lego store. There's always so much joy in the Lego store.

Amy Glas:

That’s probably what you would’ve spent your money on….

Jackson Glas:

That is what I have spent a lot of money in my life on… But then it becomes a thing where people like they're a really good gift because I'm told I'm hard to buy gifts for. So like a long there was a long period of my life.I was like, just give me a Lego set. Just like I don't even care which one. Just like, just put me on there. But man, if you can go to the mall. Which is so funny because she's like, not shop her brain at all.

Amy Glas:

Malls...

Jackson Glas:

No.

Amy Glas:

I feel like I'm trapped. Like I cannot be shopping for hours and hours.

Jackson Glas:

I grew up going to the mall and it was like when I was a kid and we got to walk around, Build Bear, or we got to walk around like even these random, like GameStop and like we'd go and get Dairy Queen at the mall.

Amy Glas:

And no, I'd go to Dairy Queen…

Carrie:

He does like to spend money!

Jackson Glas:

It's just like, oh, man, like, I'm here, it's the mall.

Shea:

So many options!

Jackson Glas:

The people like the atmosphere, the options to spend money. It's so much fun. The energy is so. But of course, malls are kind of dying out.

Shea:

Yeah, I don’t know if they have as much energy now…

Jackson Glas:

But like, once I can find it once, once you find, like a live mall or like, even like a live thrift store and like all the people that are in there, like digging for gold, you feel like you're a part of something.

Carrie:

So you being the spender, I know you like to spend your money on coffee. Do you want to share, like, what type of coffee you get or other things that you know you just feel you have to burn? You know, your money's burning a hole.

Jackson Glas:

Yeah, I love Modera, which is our local coffee shop. I love J-Town Coffee. But just getting those beans… I love also just a really good latte, especially on like a Saturday afternoon or like on a weekend. I'm just I'm not pretentious enough to be like, if it's not black coffee, I don't want it. Like just especially if we’re out… like the number one thing I'm looking up if we're like out of town, we're in Nashville, we're in somewhere else. I'm like, what's the best coffee shop?

Carrie:

I do the same thing.

Jackson Glas:

Like, where are we drinking coffee? What's the best thing? I always ask, like, what do you recommend? I love spring flavors. Anytime there's a blueberry, anything I have to get it.

Amy Glas:

That's one of my favorites right now.

Jackson Glas:

When we were on our honeymoon in Leavenworth, Washington, which is just our favorite place in the world now. There's this coffee shop, I think it was called like, Argonaut Coffee and Biscuits. Like it was so great. We went three times, the week we were there. I went back three times and I had the turmeric lavender latte.

Carrie:

Nice.

Jackson Glas:

And I still think it's the best coffee I've ever had. Yeah. Shout out.

Carrie:

It's a shame you didn't bring some of that coffee.

Jackson Glas:

Sorry, I could.

Carrie:

So, do you guys have any smart saving tips that you'd like to share for us?

Amy Glas:

Yeah, I guess I'll go first. But one of the big things, when we first got married, I was like, okay, I know we're going to have some expenses that are going to be set. Like, they're going to have to get paid every month no matter what, like rent or utilities, phone bill. There's just things that are set.

Shea:

Coffe…

Amy Glas:

Right. There's things that you have to buy every month and have to spend money on every month. So but there are certain things that you have to spend, like groceries or food or eating out where you can... There are things that are going to be expensive, but there are ways you can find deals and can do it in a in a cheaper way. So one of the things I was like, okay, I know Aldi has really cheap deals or like one of the cheaper grocery stores in America. I was like, I'm just going to only shop at Aldi, and it's going to be great. Well, then I'd go shop at Aldi, but they don't have everything I needed, so then I'd have to go to Sam's and find a deal, and then I have to go to Kroger and find the deals. So it ended up me on the weekend going to three different grocery stores, trying to find the best deals and while they are cheaper groceries, we ended up spending more money than we probably should have in the beginning. And I eventually my brother-in-law and my sister, they're like, oh, you need to try just doing an online list, like just go online through Kroger and we call it a “click it list.” It's probably like “Kroger pick-up” or something. We would just go online and they're like, that's how we order it. It's great. We go pick it up. We've saved a lot of money doing that and we're like, okay, I guess we could try that. And we have saved so much more money every week doing that. And even if there's things we forget, it's okay because we're like, okay, but we probably forgot maybe 1 or 2 things compared to me going around all those stores. I probably forgot like five or, you know, ten, like I don't know how many I forgot, but you know, it's when you're building those lists out and you're doing it online, you're planning, you're making your list. There's ways that you can even go on and like click little coupons, which I love. I'm like, oh, this is on sale this week. So you can kind of leverage that and take advantage of those sales online. And that ended up saving a lot of money.

Carrie:

That's exactly what I do. Those little Kroger pickup people are just heaven sent.

Jackson Glas:

They are so nice!

Amy:

It’s great!

Jackson Glas:

Because then you spend your entire Saturday at three stores, and then you come home and realize you don't even have everything you need. You picked up all this random stuff.

Carrie:

Right?

Jackson Glas:

Because as a spender, I’m in the store going, that looks good. Like in the in the cart. There we go.

Amy Glas:

I will say… so now that is primarily where we get groceries and saved a lot of money. But also if anybody really enjoys a rotisserie chicken, Sam's Club is great. So there's sometimes you do have to look at other stores and be like, okay, like I can go over here and get this deal for like five bucks for this huge chicken compared to like seven bucks at Kroger for a really small chicken because we eat a rotisserie chicken like crazy in our house for lunches.

Jackson Glas:

For one two people. Yeah. Oh yeah. And that's $5.

Amy Glas:

That's another piece too.. is we're really intentional about planning our meals for the week because I work full time and then he's working full time. So that takes a huge weight off of our shoulders to meal prep and also helps us save money, because it's really tempting when you get that part in the week and you're like, man, I don't have groceries. I didn't plan a meal, I'm going to go out to eat, and then you're going to spend more money than you needed to just because we just didn't plan well. So, you know, that's kind of the advantage of doing that.

Carrie:

And the beauty about doing that. Once you've done that enough, then Kroger saves all of your things. So it'll be like, do you still need this? And this? I'm like, yes, because I'm making that same meal. Yep. So that's what's helpful is I don't even have to go back and remember, you know, the items. It's all right there.

Amy Glas:

Right.

Jackson Glas:

Oh yeah.

Amy Glas:

It is super helpful. Another thing too even with, you know, going on a date or doing something special because we're saving so much money eating at home that when we do go out to eat on the weekend or we're going on a coffee run or doing something we don't feel as worried or like, oh no, we're going over our budget again because it's like, we know we've saved our money eating at home, planning that intentionally, like, let's go enjoy something. And it takes the stress of that off of you because you're like, I know that we've had this plan, enjoyed going out to eat… so that's a good thing. I think another is we love movies and watching movies together and on Tuesday nights at the local movie theater, they actually do $5 movie night. So if you are newly married and you're trying to find something fun to do, I know different movie theaters will do that, and they might be different prices or different deals, but it is a really good deal to see a movie for $5 bucks.

Carrie:

It’s a great deal!

Shea:

Spend more on popcorn!

Amy Glas:

Instead of spending like $14 on a Friday night… I mean, you do have to plan around, you know, is a weeknight, but that was a really fun thing we've taken.

Carrie:

And that's great advice.

Jackson Glas:

Yeah. And even going off of that, like I think there are so many good rewards programs right now, like if we want like… it's a Saturday and we don't want to cook, but we know we don't really want to go out. We can look in like, okay, how many Chick-fil-A points do we have? And we can like both eat Chick-fil-A for like $5 because we've just saved up all our points. Or like Sprinkle Me Sugar, which is like one of our favorite stores in town. Like, she does such good rewards in that, like, pulls us in, but like, makes it super doable for us to go and do that. And just like taking the guilt away from those like fun activities that you shouldn't feel like are a burden and you want to do those things and not be like, worried in the back of your mind… Like, can I afford this? Can I like, should I be here? But then, you know, you're like, oh, I went out three times this week and I'm just going again, like, this is terrible.

Amy Glas:

Yeah, there's a difference.

Jackson Glas:

And I feel like you can even enjoy that more when you are intentionally... And then you can also go out and do it bigger and better. Like if I don't go out to dinner three times a week, when I do go out once a week, we can do this really great dinner that is so good and go somewhere really nice.

Amy Glas:

Something other than McDonald's or Chick-fil-A.

Jackson Glas:

You know?

Carrie:

Yeah yeah yeah. And treat yourself.

Shea:

So it sounds like, you know, the balance between, you know, still having fun going out and but also saving is it's because of the intentionality and the planning ahead of time that allows you all to be able to do that. So that's a good tip for listeners, newlyweds, those who maybe don't budget or plan that, hey, that takes away the stress. The budget is the plan. You tell your money what it's doing, and you're able to use that plan, that budget as a way to have those experiences in those moments.

Amy Glas:

Yeah. And it takes I will say it takes a lot of practice because it took a while and it still is… like it's still something you're going to work on and we're still going to grow in. I mean, we, you know, we don't own a home right now. We're renting an apartment. And, you know, we don't have any auto loans right now because the cars are paid off. So, I mean, there's going to be different things in the future of like learning and saying, okay, like when we have kids, there's going to be a whole new thing of expenses coming our way. So you just have to be willing to really just put that into practice and also just be willing to ask for help from other people too and advice.

Jackson Glas:

And I think it's so funny because I, like all my friends are like early 20s type, like all my coworkers are early 20s like late 20s. And the number one conversation is always like, what's for dinner? And like, oh, what's for dinner? Like, oh, I don't know, why didn't I just Taco Bell? I just and it's so funny how we just we just all know that we need to be, like, prepping our meals, but we just can't do it. Like, we can't bring ourselves to it. And it's just the number one conversation that we have is what's for lunch? Oh, I don't know. I just I, I didn't get to cook. I didn't cut up my vegetables last night. So now I have just chicken and rice and it's just so bland. And I just it's so like I think like creating that routine and that discipline will just change your life. Like you just if you're eating well, if you learn, if you just learn to love cooking, you can save so much money.

Carrie:

Well, and you actually can save time too, because you actually get your time back once you get in the habit of it all.

Jackson Glas:

Yep.

Carrie:

So did you guys experience any struggles combining finances when you got married?

Amy Glas:

I don't think there were necessarily any major like, whoa, this came out of left field. Where did this come from?

Jackson Glas:

By the way, I have $100,000 in credit card debt. Like nothing insane.

Amy Glas:

Honestly, like, before we even got married, it was really important to us to have those conversations of like, okay, let's create a budget and sit down and like, what can we afford? Can we not afford? Because at the time, I was the only one working full time and he was still a student and he was still working, but he wasn't working a full time job. So we’re like, okay, where can we even afford to live and what can we afford to do? What like, how are we going to do this? So I think having that, you know, that transparency for, for the very, very beginning, before we even got married and was super helpful. One thing I think was helpful for us is we actually sat down with my dad and we made, like, our own budgets to say, okay, these are things I know in my head I have to buy this every month. And then he made his own budget, which we know included coffee.

Carrie:

It has its own item line, right?

Amy Glas:

Right. And so. He had his own budget with everything. And then looking at it all, then we combined them. So we're like, okay, how can we, you know, is this how expensive is it going to be already just for us. But then combining it because that was the big thing too. We're like, we're doing our finances together. We're getting married, like we're going to be a team. How can we do this together? So that was really important to us as well.

Carrie:

That's great.

Shea:

So that tip sitting down beforehand, what other tips do you have for people who are about to get married?

Jackson Glas:

I think I think you have to understand that a lot of marriage is sacrifice, and that comes down to finances as well. And so it's kind of like when she makes her itemized budget and I make mine, I learned something new because I'm like, why do why do you need $80 worth of like, hair care? I don't need that. But that's just the thing like she does. And I have my itemized coffee budget, like, this is just like. But, you know, it's not my money, and it's not her money. It's our money. And so spending that money on things that aren't necessarily, you know, for her, like she doesn't benefit from my coffee budget, but she like, understands and loves me enough to know that that is important enough to me to prioritize something like that, even something silly like that, or even just like being on the same page of like, we know we want to take this trip in in the fall. And so how much are we going to put aside to do that? And being on the same page and, you know, we have random expenses come up that you could never budget for, plan for, or whether it's medical or, you know, just other stuff comes up.

Shea:

Life happens.

Jackson Glas:

Life happens, life happens. It absolutely does. And so I think if you can just be on the same page, like on the big things, it'll trickle down to the little things because, you know, I know not to go buy a car tomorrow without asking my wife. Like, that's just insane.

Amy Glas:

And I can't do the same. Like, I can't be like, let me go buy this huge thing and then never talk to him about it. Like what?

Jackson Glas:

I mean? Or it's like, you know, if I want to go see a movie on a night that she's doing something else, I'm like, is this… it's not Tuesday night. It's going to be like $12 for a ticket. Like, is that okay? And she's always like, yeah, absolutely. Like that's not… because it's also not like every night we're going out and doing those things like having that leeway to… But then also just like having the sacrifice for each other to be like, I know that this is important to you. So yes, please go do it. Like it would make me so happy if you got to go do that.

Carrie:

Well, I mean, being on the same team, you know, you're on the same team. You're not against each other. And I do have a comment. She absolutely benefits from you drinking your coffee. Because if I didn't have my coffee, everyone would suffer. So…

Jackson Glas:

Yes.

Amy Glas:

Yeah…

Carrie:

So you mentioned that you two like to travel. So do you have any fun trips planned this year?

Amy Glas:

We do.

Jackson Glas:

We do.

Amy Glas:

We're really excited.

Jackson Glas:

We kind of built up to our big travel year because last year was like it was school and it was wedding, and it was moving and getting an apartment. And just like figuring out your first married life and then like, that was our big goals. Like, we really just want to, like, see the world, like together.

Amy Glas:

Yeah yeah… we're really excited about that. So that was something it was important to us. And like we saved money for like we need, you know, if we want to do this, we need to be intentional and save money to do it. And we are actually planning to go to Colorado in June. So we’re really excited about that. And we're going to hopefully Florida in July. And then for his graduation trip, I was like, okay, where do you want to go? And he's like, well, I want to go back to Washington State. So…

Carrie:

I gotta get that coffee...

Amy Glas:

Yes. We're not going back to Leavenworth where we went on our honeymoon, but we are going to all the national parks. So that's our goal is to go to all three, so we’re really excited about that. But a little bit of a, I don't know, savings hack for travel.. So like I said, earlier I, you know like to save money for traveling. So a big part of that has been even if we get like birthday money or Christmas money from relatives, I mean, relatives are always have been very generous and they'll, you know, they'll be like, oh, here's a random $100 check.

Jackson Glas:

Yeah.

Amy Glas:

Okay, great. And there's sometimes there's things, you know, saving for making sure priorities are straight. You know, there's certain things like have good savings, like have a good emergency savings fund. Like those are really important. But if there's a little extra things that come from places, I'm like, okay, we can save this and go on a really cool trip together, especially before we have kids. That was like a big priority for us too. And so one of the things is just saving that money because you don't realize those little things, even if it's $20. They had a pretty fast.

Carrie:

That's my vacation money too.

Amy Glas:

Just a good way to save. And that was a big one. And even on a credit card, like getting cash back on a credit card, like, I didn't really realize how much I got back. And I was like, oh, I've actually now have, you know, amount of money saved. I can put that towards a plane ticket or something else. So just like little ways like you may, you know, you might get that money on a birthday or something, you might maybe like, okay, the next week, what can I go spend this on? Like, yeah, you know, a new shirt or something, but it's like, I'm probably not going to think of that shirt again. I could save it and we could actually do something really fun. So that was really helpful too. And also being strategic, like when we're going to like Colorado or Florida, those are actually shorter trips. So like… we're taking we're kind of using the weekend and taking a little bit shorter trips. So we're like because that was one thing we were back and forth for like, well, we really want to go to Colorado and we really want to go to Washington. Okay. Which one's more important for you long term? And we landed on Washington because we wanted that to be the road trip. But it's like, okay, I can go and find some deals and make it a short amount of time so we can still go do the cool thing. But we're not necessarily, you know, spending weeks and spending more money and necessarily staying in the most expensive place. So I think just being strategic and also looking for deals, I know the resort we're staying in in Colorado, I, we were looking at staying in Vail, Colorado, which, you know, where that is… it’s very expensive. And I was like, we can't afford any of this. So I ended up, we're going to be staying in Breckenridge. But even that resort, I was able to find a deal where it's like if you stay a certain amount of nights, you get a 30% off discount for your whole stay. So it's just being intentional, like look around, look for deals, especially certain times a year too. Just being intentional and kind of research. Do your research. And it is tedious. It does take time.

Jackson Glas:

I say like Amy's trip planning is like a part time job. Like she’ll...

Amy Glas:

I love it.

Jackson Glas:

She’ll, open like 20 tabs on a computer and be like comparing prices in this. And that's just like, that's kind of just what it takes. Like if you want to.

Amy Glas:

It does take work.

Jackson Glas:

If you want to be like the cost effective traveler, like that's kind of what it takes. And also like we have random benefits, like between, you know, airline points and rental cars and these things like the more you do it, the more you travel, then it's like it's going to build up and you can get Marriott points, like where based on the hotels you stay in. And there's just like all these things that could accumulate. And so it's like setting yourself up now to be like, okay, we love to travel. We're never going to not be traveling. So in ten years, what hotel do I want to be a part of that? I'm going to have all these points for that we're just going to keep building. And that sets us up for even more cool trips in the future.

Amy Glas:

Because it's just going to get more expensive. Especially when you have kids. So it's like. Okay, where do we want to go now? How will this work?

Carrie:

So yeah. Great.

Shea:

All right. So what's the best financial advice you all have ever been given?

Jackson Glas:

This question is really hard.

Carrie:

I sure you have a line item for coffee... Is that the one?

Jackson Glas:

I had a line of… put it all on red… That's just the... Just kidding. I think really just living below your means is so simple and so hard because we just, we don't want to take the time to think about it. We don't want to keep we don't want to just keep thinking about our money. We don't want to keep, you know, deprive. We feel like we're depriving ourselves when we live below our means. But in reality, we're setting ourselves up for success. And I think that I was always taught, like when I was growing up and I was like, high school first job. My parents were always like, never let your bank account and go below $1,000. And they were like, okay, once you hit $1,000, that's your new floor. And then it was like, then you live below until it gets to $2,000, and then that's your new floor, and then you just keep going. And then like years later, I was working just, you know, high school jobs. But then, you know, you get to college and you have 5 or $6,000 in your, in your account. And then, you know, you start working real jobs and then it keeps climbing. And that's just like a really simple metric in my brain to be like, oh, this is the new floor. Like. And that takes a lot of discipline because I could very easily go below that floor. But it's like taking the initiative to say, no, like, this is it. And I'm not I'm not going below no matter what happens. And life comes in the way sometimes. But that's what that's what your savings are for. That's what your emergency fund is for. And that's why those thousands are your floors. Because if your floor is zero and life happens, that's when you get in some real trouble. And so I think that is such a big, such a big thing is just like, don't spend money you don't have. And that's so like simple and grounded, but like the amount of people that I talk to in our age demographic, that's just like, I'll never move out. I can't afford gas, I can't do this. I just, I don't know, they pay me, they don't pay me enough. My job sucks. There's this. It's like, okay, well, well, what are you doing? I just I eat out every other day. It's just like, well, I can't help you if you don't help yourself. Like, the amount of people that just aren't living that way is so difficult because it just requires so much discipline that isn't always taught. And so you have to really revert your human tendencies to just like and honestly, your sinful tendencies be like, I, I do deserve this. And it's like you just you can't. You have to just keep lower, keep raising the floor like this is zero it out and I'm not going above it.

Shea:

Otherwise it'll be six feet under your money. All right. Amy?

Amy Glas:

So yeah, I think that's really good living, you know, within your means. But I definitely think a big thing and this is probably more recently it's really consider giving. So you know it's really cool to go on awesome trips. It's really great to go out to eat and enjoy those things which those are good things are things you get to enjoy. But I really think the importance of giving and giving intentionally is really, really important. I don't know if there's not really like this, you know, one liner. Like advice, I guess, but I think just being really intentional and being selfless with your money, just because, you know, you can go out and spend $80 on a nice shirt from a boutique, but then it might rip the next day and you'll never wear it ever again, you know? But if you gave $80 to, you know, a local nonprofit or your church or somewhere else, or someone maybe, you know, they you know that they have a need, but no one else does like that really will make an impact, even if you don't know exactly what it's going towards. Like, you know, hey, this could really help someone else. At the end of the day, that is really important. And I don't know if that's necessarily one little piece of advice. But it's just a good habit to have, I guess.

Carrie:

Yeah. Okay. So this is the Pocket Change Podcast. So we do love to ask if you were to find some extra change in your pocket, what would you spend it on? I have a feeling…

Jackson Glas:

I think, you know…

Carrie:

I still want to know.

Jackson Glas:

I'm pretty notoriously the guy at the coffee shop with a bag of quarters. That is me. Because sometimes, if it's a desperate day, you're scraping the bottom of your car to be like, what can I afford? Like, what can I get? And usually you're like, okay, I think I can get like a cold brew, maybe a little cappuccino. And it's like, they'll be like, okay, that'll be $3. And then I like.. they hold out their hand because they know that I'm giving them that stack of quarters. That and also like, you know, if you pay with cash and stuff and you get you get change. Like, I think it's really easy to lose your change and it's really easy to just like, oh, it gets lost in the wash, it's in the car, whatever. Like, no, save it. Like keep it. I have a bank in my office that I put all of my coins in, and if there's a day later, I know I'm gonna want a coffee. And it's just like one of those things where it's like, I need it. Like it's going, I'm going to get one. No matter what happens. I'm opening up the bank and it's coming, and the coins are coming out. And, you know, I don't do it every single day, but, you know, every once in a while, when it's when it's time, it's like, oh, that saves me. That saves me some money by just like, not just throwing it away and, dumping, dumping your coins.

Shea:

Never, ever need a new one. You can have this blue Leaders bank on the table.

Jackson Glas:

A spoon. Thank you. On the table.

Carrie:

All right, Amy, what about you?

Amy Glas:

Yeah. Kind of what I said, I think saving for somewhere fun to go, some cool experience or, like, a date. I personally, if I'm going to go and spend it that day, I love Sprinkle Me Sugar, the local macaron and coffee shop in Jackson. And I love it. They have really good coffee.

Carrie:

It’s totally worth splurging on.

Amy Glas:

And it's just it's delicious and I love supporting local businesses. So probably that or going see some cool show at the Orpheum, probably. Yeah.

Carrie:

Those are great fun things. Well, thank you guys for being with us today and sharing some advice for, you know, newlyweds and saving and tips all the things. It was fun, you know, talking with you guys.

Shea:

Let us know when we can tag along.

Carrie:

Yeah.

Jackson Glas:

Yeah.

Jackson Glas:

We can all go out to coffee.

Jackson Glas:

Thank you so much.

Amy Glas:

Thank you.