We’ve got some real experts in the house. Hallelujah! We’ll be learning about personal finance and our own money baggage from Bourree Lam and Julia Carpenter, journalists at the Wall Street Journal and authors of The New Rules Of Money. We’re talking about tipping etiquette, online shopping, and most importantly, how to make sure our impulse purchases are actually worth it. There’s nothing wrong with spending money on things that make you happy, y’all. You only live once — but make sure you YOLO responsibly.

This series was created in partnership with Flourish Ventures, an early-stage global investment firm backing mission-driven entrepreneurs and industry influencers working toward a fair finance system for all. Learn more at flourishventures.com.

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Bourree and Julia are on Twitter at @bourreelam and @juliaccarpenter. The New Rules of Money is available wherever books are sold! https://www.penguinrandomhouse.com/books/673031/the-new-rules-of-money-by-wall-street-journal-bourree-lam-and-julia-carpenter/

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Transcript

SPEAKERS

person 1, Speaker 2, Julia Carpenter, Bourree Lam, X Mayo, person 3, Claire, person 2, Speaker 3, person 4, Speaker 1, Speaker 4

Speaker 1  00:13

Okay, what are your questions about tipping?

 

Speaker 2  01:35

Why are we like, the only country that does it?

 

Speaker 3  01:38

People just ask for tips like, everywhere. Now it’s like, so normalized, like, even at McDonald’s, like, they want a tip nowadays.

 

Speaker 4  01:44

I always feel bad if I press no tip, but then I’m also like, you literally, I you didn’t do anything. Like you handed me a receipt. I don’t feel like that like, needs a tip.

 

X Mayo  01:58

What up y’all? This is The Dough. I’m your host, X Mayo, and on today’s episode. Just the tip, I’m sorry. Y’all I didn’t even like it when I said it, but they made me say that joke. My life depends on it. Okay? Support black women, just laugh. Okay? They locked me in a room and they told me I couldn’t leave until I said it just didn’t help, okay no, I’m just kidding, I swear unless I’m not, no, I am. The Dough is all about quieting the money voices in your head, you know, the ones who shame you for buying the expensive pillows that convince you to set up 57 emails to get free netflix trials. You’ve got mail that fight over whether or not you should tip at McDonald’s. Now they do give you an extra sweet and sour. I do give 25 cents, I do. It’s clear that the rules around tipping are changing and quickly. So we decided to get some experts on today’s episode to help shed some light on this whole situation. Okay, we brought in some heavy hits y’all, Bourree Lam and Julia Carpenter, personal finance journalist from the Wall Street Journal. Now, Imma, keep it real with y’all. When my producers told me I was gonna interview two reporters from the Wall Street junior, I damn near fell asleep. Okay, I was driving. I had to pull over. I figured they were all old white dudes who smoked pipes and argued about the NASDAQ or whatever. You know that’s, that’s the white man’s Nas, right? So we got black people got Nas, queer people got lil NAS X and white men have NASDAQ, but these women were cool as hell. Back in December, they put out a book called The New Rules of Money, a playbook for planning your financial future. It’s like a workbook for figuring your shit out when it comes to your dollars. And I, for one am, glad the new rules of money exist, because I sometimes adopt the old rules, which is spend and they’ll keep spending is that okay? But we’re about to find out, because I’m gonna tell these ladies what I spent on a Swiss cheese dress, yes, and spoiler alert, it wasn’t cheap. And before we get started, the lawyers told me, I have to remind y’all that these are just financial reporters, okay, not financial advisors, great, but they are smart as hell. These women are not on a little Pinterest board, okay, they know what the fuck they’re talking about. Bourree is the deputy coverage chief for life and work at the journal she also used to curate the money diaries column four, refinery, 29 she prides herself on being super honest and open about money. And Julia is a personal finance reporter at the journal. Her writing focuses on helping readers figure out what the fuck to do with their money, from tipping confusion to making adult purchases, nah, Julia, when you say adult purchases, you don’t mean porn, right?

 

Julia Carpenter  04:46

Could be, can we find portable porn? Is there some porn in your budget?

 

X Mayo  04:51

Okay, so here on The Dough, we like to open every episode with a money confessional. Think of me like the Pope, without the predator. They can be like, yes, so you guys are speaking to me, and we’re about to get into some confessions. So ladies, what the fuck did you spend your money on this week and how much did it cost you?

 

Julia Carpenter  05:19

Beret, you go first.

 

Bourree Lam  05:20

So I grew up before I moved to New York, watching Sex and the City like so many other girls, right? And like when I started learning about money and learning about how much things actually cost, there’s that episode where Carrie has all these shoes, like designer shoes, and I forget if it was Charlotte or Miranda. Like one of her more sensible friends is like, well, there’s your down payment right there. Girl like, your closet full of Louboutins, if you have, like, you know, 50 pairs of $500 shoes. Like, that’s a lot, yeah. And I remember loving that episode, but then I started becoming like a professional woman who goes to work and goes to events, and I started also buying pricier shoes. And I just felt so I always feel so bad about it, like I do it, but I feel terrible about it because I was like, I said, I wouldn’t be Carrie. I’m not a Carrie. And so I bought a pair of shoes that were $200 they didn’t fit. So I sent them back immediately, and you have to do it immediately, like, you can’t hold on to, oh my God, have them around, like you gotta get it out of the house so.

 

X Mayo  05:22

Yeah, I just had to do that Bourree with a pair of Charlotte stone. So she has these new loafers, but to me, they’re like, New Age clown shoes. Like, I love a lot of colors, so they didn’t fit. I’m usually a size 11 baby. My big toe barely got in. I said, Okay, send them back. I had to process the return immediately. Okay, so, so it cost you nothing, but Right? Okay, so, Julia, what’s the most expensive purchase that you did this week? And how much did it cost you?

 

Julia Carpenter  06:56

I had covid last week, so I’ve been like, desperate for.

 

X Mayo  07:01

Covid, what’s that?

 

Julia Carpenter  07:03

Interaction and my one of my best friends ever Dean, as soon as I tested negative, she was like, we’re making plans. So we went and saw one of her favorite movies at this little fancy art house theater in New York and I was like, everything in that neighborhood is really expensive. We went to a pizza shop with a cute little bar in the back. And while we were there, I was like, okay, these cocktails are definitely, like, way more expensive than I had kind of been expecting. I picked this place because I didn’t want to eat somewhere expensive. But we were chatting and catching up, and I had not had any human interaction that wasn’t my girlfriend for a while. And so we got the bartender special, and we got three of them, and they were $18 each, which feels insane. So I spent like 60 something dollars on three really good pineapple Mezcal margaritas.

 

X Mayo  07:57

Julia, you hadn’t been around humans in a while you needed this for your mental health. So to me, it’s giving tax write off. This seems like something, yeah, I don’t know. And then what your friend did for you is kind of like what nonprofits do for everyone. So to me, I feel like this is a 501 C3, you know, write off, I’m no author. You know, I’m no Wall Street Journal.

 

Julia Carpenter  08:22

Yes, I have no regrets, honestly, no regrets.

 

X Mayo  08:28

You heard her, no regrets. Now we’ve got to take a little break, but we’ll be right back to talk about tipping.

 

X Mayo  11:03

Guess who’s bizak? Yes, you got it, it’s me. X. I mean, really, who else would the fuck it be? It’s my goddamn podcast. So I’ve got exciting news for y’all. This season, we have a new correspondent. Everyone clap it up for the one the only Claire Jones say, hi, Claire. Hi, Claire. Claire is in the fucking trenches. Y’all, she’s in the beating heart of America, the urban jungle, the cutting edge of the culture, Salt Lake City. And a few weeks ago, she hit the streets to ask people what was on their money minds. Turns out, tipping is a hot button issue, even in the mountains. Okay, Bourree, Julia, we’ve got some questions about tipping from people on the street that we’re hoping you can help us answer. Claire, let’s start with the abuelitas. Roll the tape.

 

Claire  11:59

Okay, what are your questions about tipping?

 

person 1  12:01

Oh, I tip 20% if I go to a regular restaurant, but my conflict is, when I go somewhere, up to a like a coffee place, I think I tend to do 15.

 

person 2  12:15

When I have to clear the table and take my own coffee and Eclair to the table. I do not want to tip 20% like.

 

person 3  12:21

I know, at restaurants and stuff, it used to be like, You tipped 20% but I have some friends that work in the restaurant industry that say 25% is better. Is 25% like the new 20.

 

person 4  12:31

Why don’t companies just pay employees an amount where they don’t need to rely on tips?

 

X Mayo  12:37

Okay, that last one, it’s like, okay, God bless. Do we want to live in a dream world or the real world? And I think this is coming from a personal place, because I was a server for eight years. Six of those years were in New York, and I hustled my ass off. So yes, no, we need that fucking money my back was shot. I’m sweating. I’m running around. I’m giving you a goddamn comedy show making you feel so beautiful and loved and seen. I’m giving you all the specials I know everybody’s order by heart. Soon as the fucking bitch ass chef doesn’t want to make your sound in the way you like it, I give you a free shot of tequila. I have fucking You goddamn right, give me my money. Yes, so if we want to be like, why do we live in the world where servers could get well, we don’t, how about that? So until we get there, my mom raised me that way, since I was started going to going after church with, like, the youth group, like we would go to sizzler, and she said me, how if you can’t afford to tip, you can’t afford to go, and that’s how I was raised, and 20% and I give above 20% now, because I’ve been blessed to have a couple of dollars to do so, but even when I’m at Starbucks, you know, and I’m checking out, I give 20% because I just know inflation, everything is so expensive, and that 20% goes a long way. So sorry, I came in hot, but I was a previous server, and don’t fuck with us, please.

 

Julia Carpenter  14:02

Yeah, one of the things that was interesting to me writing and reporting that story was just how confused people are. I think there are more places now that have tipping options, but they haven’t been places that historically required tipping, like, I would interview people and the iPad turning around is really upsetting to people. They do not know what that means in different situations, whether it be like, what the callers were saying, like, if it’s a counter service place, does that have different rules than a sit down restaurant, like the sit down restaurant seemed to be as I was writing that story, the data shows that we are not confused when it comes to a sit down restaurant. People understand what the rules are there but delivery and like the social contract we’ve agreed upon delivery, picking up takeout counter service, people do not know. It’s like the wild west out there.

 

X Mayo  15:02

I don’t know if they don’t know, versus Julia, either they’re A selfish or B don’t have it, right? Like, I don’t, I think usually people really know, but it’s just like, I know you need this extra four bucks, but I really don’t fucking have it. I think it’s that, or they just don’t want to give it. That’s what my thinking is, especially where we’re at financially, Bourree , what are your thoughts?

 

Bourree Lam  15:26

I think tipping is one of those really charged things, like, it’s just hard, like we set the standard for ourselves. Like, it also intersects with like, am I a good person? I think that question comes up a lot surprisingly, when we talk to people about money, is like, does doing this thing make me a good person or a bad person, and I think not tipping most people would feel bad about that, right?

 

Julia Carpenter  15:55

Yeah, there have been times where I have, you know, either misunderstood, you know, like, where’s the jar? And they’re like, oh, no, you were supposed to do it on the screen. And I have felt like, I’m like, well, time to go to hell. Like, that’s although one time I accidentally tipped. I tipped I meant to hit 20% and instead I tipped $20 and which was just, I was a gas. And my friend was next to me, and he was like, go tell them. And I was like, I them, and I was like, I can’t do it, right? Can’t do I can’t be like, I tipped you too much.

 

Bourree Lam  16:26

Give me some of that.

 

Julia Carpenter  16:27

Yeah, I can’t do

 

X Mayo  16:29

She’s like, oh, Julia’s like, can you give me back 19.50 okay, great.

 

Julia Carpenter  16:32

Like, right? The thing that also jumped out to me reporting this story is that in the pandemic, we were also tipping way, yeah. I mean, I was tipping, like, double on delivery, because, we were scared for people, right? Like, I was scared for delivery people. I was scared for people who were out there, like, you know, confronting so much more than I was safe in my apartment. So we were tipping so much more. And then when we started entering what felt like a return to normalcy. We adjusted it, but then we feel like we are to your point, Bourree. We feel like we’re doing less and we are, we are tipping less than we were in the pandemic.

 

Bourree Lam  17:13

But I also feel like that’s the problem is, like, when you attach all this morality to it, then you get different reactions from different people, right? Like, because, like, I think if it was a straightforward transaction, like, when you go buy, like, a piece of clothing, you have to pay sales tax. There’s, like, no negotiation. It’s like, on there, pay it. You’ve accepted it. It’s fine. But when it’s this, like, does this make me a good person or a bad person? Thing, you get different reactions from people, right? You get some people who are like, I’m a good person. I’m gonna do it, like, 25% 20% whatever I think is the right amount, like, I’m gonna do it. And then you get people who are like, don’t judge me, like, I’m I’m gonna do whatever I want, you know? Like, you just get those different personalities emerging in this transaction. And I think that’s where it gets confusing. And I think that’s why this topic is so spicy for so many people, because you’re bringing in, sort of your own baggage and your own, you know, emotions into someone else’s livelihood. And that’s really charged.

 

Julia Carpenter  18:20

Well said.

 

X Mayo  18:22

So then so another thing too, I think the issue is also that when we order from these places like Uber Eats, Postmates, Instacart, and what started out as a $20 transaction turns into 100 and then you want me to tip, so I also get the sentiment of, like, there’s all these fucking hitting fees and then. But I need to use these things, because some of us use it for efficiency, or, like, literally, I have been, like, in the neck of the woods, and fuck, my cycle just switched up on me. It came 14 days earlier, and it’s like, okay, I need some fucking pads of Instacart. It’s like, cool. 120 you know, like it’s crazy. So I just wanted to give that point too, I guess, coming from the service industry, my POV is kind of skewed. So I’m just like, be a fucking good person. If you can’t afford to tip, don’t do it. But also, I also get, if you don’t have it and you need it and you can’t tip, I think, go with whatever you can do, do whatever you can where you can.

 

Bourree Lam  19:23

Yeah, and one more thing I’ll say on the Instacart dash, DoorDash, like Uber Eats thing you know, like, there has been reporting in the past that the tips don’t go to the people they’re supposed to go to.

 

X Mayo  19:33

What?

 

Bourree Lam  19:36

You haven’t seen this?

 

X Mayo  19:37

No.

 

Julia Carpenter  19:38

Oh god. X, I’m sorry that we had to call you back. No, I’m sorry.

 

X Mayo  19:43

Okay, guys, the pod’s over because I have to go protest on the first day of Black History Month. This is how we’re starting it off. The people are not getting paid.

 

Julia Carpenter  19:54

Sorry.

 

X Mayo  19:55

Bourree , Julia, are you reporting on this?

 

Julia Carpenter  19:58

Yeah, it’s been over there for a while. Same time get in the streets.

 

Bourree Lam  20:01

Yeah, we’re sorry to break the news to you, but this is, this is the kind of thing that’s like, really hard to reckon with. Like, you see all these fees, and you think you’re being a good person. And, I mean, again, this, like, plays into the baggage right now you’re gonna, I’m sorry to have caused you to have some baggage about this now, because.

 

X Mayo  20:21

Yes, I’m traumatized. Thank you.

 

Bourree Lam  20:22

Yeah, I’m so sorry.

 

X Mayo  20:25

I love you.

 

Bourree Lam  20:25

You give it back, but, like, always tip in cash if you can. Like, people always appreciate that. And you know, the other thing I really like to do is to ask the places I order from often, what they prefer, you know, like, build that relationship, have that conversation, like, would you like me to order from seamless or give you a call? Like, yeah. And like, sometimes, like, the Thai restaurant I really like in my neighborhood, they’re like, can you use our web portal? Like, then all the fees directly go to us.

 

X Mayo  20:54

I’m gonna do that. Can we all just clap it up? Let’s all be more like the wall. Okay, yeah, that combo was stressing me out, but much needed, right? And Julia says, next time that iPad flips in your direction and you’re struggling to pick an amount of tip, just know that the person on the other side likely feels just as awkward as you do. The fact is, according to data from the Pew Research Center, the average tip across the board is 15% so tip less if you’re broke. Tip more if you’re not. And with that, I’ll be back in five. I gotta go plan a protest for the door dashes, okay, but in the meantime, just have some commercials.

 

X Mayo  23:53

So I wanted to talk with you guys about your workbook, the new rules of money. So you claim in the book that it can help us get over our money fears. So I would love for you two to walk me through one of the exercises in your workbook.

 

Julia Carpenter  24:08

I think the one that we have received the most feedback on, mostly positive feedback, by the way people saying, Ah, this made me confront some stuff or wow, this was a good tool. Is we have a page in the book called How to Yolo responsibly, and what we do is we give you.

 

X Mayo  24:27

How to Yo yo?. Okay, yes, okay. I hate to hear this, because I do not, I YOLO irresponsibly.

 

Bourree Lam  24:37

I think it’s time for us to ask you the questions tell us about the last time you YOLO, and how did you feel afterwards?

 

X Mayo  24:44

It was yesterday, and I felt great.

 

Bourree Lam  24:47

What did you do?

 

X Mayo  24:48

So there is a company called fashion brand company, and I’m a fashion girly.

 

Bourree Lam  24:52

I love fashion brand.

 

X Mayo  24:55

So they had, they had some items that were a little pricey. I. However, it mentioned they were not going to be restocked, and they were in my size. Shout out to fashion brand company for being slicing size inclusive, because I am a thick girly. So I bought six items yesterday.

 

Julia Carpenter  25:16

What were they? Wait, what was your favorite one?

 

X Mayo  25:18

Oh, damn, okay, I would have to say the mac and cheese, like linen type. It looks like a piece of cheese, kind of, but they’re these linen pants, but the holes in it look like cheese. And then the top kind of looks like cheese, but it has like a little fringe on top. It gives like a little Tina Turner Rowan down the river up top. And then I bought this garbage dress, so it’s like latex with big puffer sleeves, and because I’m top heavy, it like grabs me, and then, like, my breasts are gonna look like, like, just so beautiful. And then it like holds me in the right places. And then it’s short. And I bought that. And also the Britney Spears denim gown. Remember the iconic when she was with Justin spears. They have an inspired gown like that, and it’s all Jean. I would say those three are my faves. And I bought them in the biggest size because I didn’t know how stretchy they were. And I’m gonna take them to my tailor so they’re just right.

 

Bourree Lam  26:11

So, how? So, how much is it gonna cost you with the dresses and the tailoring you think give me?

 

Julia Carpenter  26:17

Could you could be black?

 

X Mayo  26:18

How much I spent for everything and what I’m going to assume with the tailor.

 

Bourree Lam  26:21

Yeah? Like, just an estimate, yeah.

 

X Mayo  26:23

I would say 2800.

 

Julia Carpenter  26:25

Okay, I think so, what we do in the book is we, you [..]

 

X Mayo  26:29

Shame me, exercise with us right now.

 

Julia Carpenter  26:34

Yeah, sorry. I was in info gathering. I was in info gathering, okay, okay, I have this number. So I was, I was like, purely putting numbers into my into my Excel Judge of the brain, no judge, no judgment at all. So what we do in the book is we ask someone to list what they bought as a YOLO purchase, and you write how it made you feel in the moment. So we have a little meter that’s like, I’m super satisfied, or like, and I kind of felt pressured to do this, and then you evaluate later on how your satisfaction has changed. So I think you’re doing something really smart, which is taking something to get tailored, and so it actually is like fitted to your body. I think something a lot of people feel, and I’m guilty of this too, is you purchase clothing in the moment you’re kind of just like impulse purchasing it, and then it doesn’t fit or it doesn’t look good, and so then your satisfaction in the moment of hitting buy is way less down the line.

 

X Mayo  27:30

Also, Julie, I have to tell you, I was looking at these items for over a year.

 

Julia Carpenter  27:35

Okay, so I just did this.

 

X Mayo  27:38

Yeah, I weighed just over a year, and it was the last ones in my size, and I said, Let’s fuck no, I have to, I gotta pull the trigger.

 

Julia Carpenter  27:46

This isn’t really YOLO.

 

Bourree Lam  27:48

This is less of a YOLO. YOLO is like, you know, like.

 

X Mayo  27:51

It’s a, YONO. This is, no.

 

Bourree Lam  27:54

This is like, what is it called? When, like, people murder people in the moment, and then, like.

 

X Mayo  28:01

It’s premeditated called when you kind of stab someone in the neck knowingly.

 

Julia Carpenter  28:06

Well, no, you’re right. It’s a premeditated purchase, as opposed to a purchase of passion.

 

Bourree Lam  28:13

Yes, it sounds less like a YOLO to me, but I think that’s good that you put it in your YOLO category, because that’s a really, you’re already, like, doing a pretty responsible thing. Like, like, you were saying, this is stuff you’ve been looking at. It wasn’t like, just in the moment suddenly you were like, I’m gonna get this thing. I don’t care like, I like it. I’m gonna go. But even if you do the second kind, it’s kind of okay, because what weren’t what we’re showing people in this worksheet and exercise is that the most important thing is that you learn about your YOLO purchases and what they do for you and what they don’t do for you. So this is, you know, reconciling people are really bad at long term thinking, but they’re really good at short term thinking. And so what you want to do is align those two habits, like it is your short term thinking good for your long term thinking. So I think in a year, if you have worn all of those dresses a couple of times to events that you like, good about them, feel good about them, and you’re gonna keep using them, and they’re a permanent part of your, you know, closet and collection, then like you can put down that you’re very satisfied, and that means, that kind of purchase for you actually pays off in the long run, and you’re good.

 

Julia Carpenter  29:30

Oh, what I was gonna say is, what you learn from doing the exercise, ideally, is you see where you’re getting satisfaction from these things and where you’re not getting satisfaction from these things. So I actually, I have a similar thing to you X, where I have been stocking this one print on Depop for, I mean, probably a year, but maybe, like, several months, and then when it came up, I purchased it. And that, I know that when I have been looking for something, and then I see it and it’s available, that feels really good for me. What I feel less good about is when I purchase something because I feel like I have to fill a hole, you know, like, I don’t purchasing something glittery for New Year’s because I’m like, Oh, I have to have something glittery for New Year’s. I’m not going to feel good about that later. I’m not really wanting to do it, but I’ve just done it to do it so it’s, it’s kind of teaching yourself what you value and what feels good later. But we’re trying. We have multiple pages of this because we’re not trying to pretend like people do this once and then learn some big lesson, and.

 

X Mayo  30:29

Oh my god, I was trying to tell you guys, this is a first time me experiencing this. I have so many other purchases that I regret. There was so much shit that I bought in the pandemic just to feel anything, and I never, so I’m selling all of that. Like, there’s so much I was like, I’m never gonna, what the fuck why was that, what?

 

Julia Carpenter  30:47

Totally.

 

X Mayo  30:47

There’s so much shit that I’ve actually, like, given away just because it’s so important. Like, within my community, especially, like other plus size girlies, we’re actors stylists, don’t know what the fuck to put on us. So I just want you guys to know I do not have my shit together. This is the first my business manager will fucking come and tell you, okay, this is the first time that I’ve, like, sat on it, waited and I’m and I can’t promise that I won’t have an impulse purchase this year, you know, like, it’s just life happens. But yeah, I I feel very good about that.

 

Bourree Lam  31:19

I think for sure, life happens and, like, that’s why this isn’t like, like Julia said, you don’t do it once, and it’s like a continuous learning process, right? Like, money doesn’t grow on trees, but it can grow in your bank account.

 

X Mayo  31:31

And on that note, Bourree , we’re gonna end the pod. That was beautiful. That was beautiful.

 

Julia Carpenter  31:38

Love it.

 

X Mayo  31:39

Oh, my God, Julia, Bourree, it was a pleasure speaking with you both. Please support these two lady parts and get their book The new rules of money by The Wall Street Journal. Go through those workbooks. Tell me what you purchased, and especially if you purchased the Brittany gown from fashion brand company, because, babe, I gotta see a photo of that. I adore you both. Please tell us where we can follow you on the social medias.

 

Bourree Lam  32:03

I’m on Twitter and Instagram, and it’s @bourreelam.

 

Julia Carpenter  32:07

I am on everything @juliaccarpenter.

 

X Mayo  32:12

She’s on MySpace. Yes, she’s.

 

Julia Carpenter  32:14

On very holding down MySpace, holding down Amy.

 

X Mayo  32:17

You and Tom on that top eight. I can’t wait to see you both. I would love to come hang with you when I’m in New York and we can have a yellow moment, because maybe when I’m in New York I eat do Broadway and I’m walking like I’m carrying Sex in the City.

 

Julia Carpenter  32:33

Yes, well, I know a great place for pineapple, mezcal, Margaret.

 

X Mayo  32:37

Okay, I don’t drink so make mine’s a virgin period. Yes, it was such a pleasure speaking with you both. Have a great rest of your day, bye.

 

CREDITS 32:50

Well, now I want a Bougie virgin Margarita. Okay, just extra sweet. Yes, so boys, girls and queers of all persuasions. What do we learn today. What did we learn today? Number one for me was that there are actually some funny fucking reporters over there at the Wall Street Journal. And here, I thought it was just a bunch of old white dudes trying to convince me to diversify my bonds or whatever. The more you know, okay, pretend that that rainbow came on, okay, you see it also a girl’s gotta look good. And I learned that my yellow spending isn’t even that irresponsible. Instead of feeling bad about my big purchases, I’m gonna try to focus on which ones give me the most satisfaction long term, and keep leaning into those. Wait till you see me in my Britney Spears denim gown. Oh, baby. Well, to quote the great Porky Pig, that’s all folks we out of here till next week. I’m X Mayo, and this is The Dough. There’s more of The Dough with Lemonada Premium subscribers get exclusive access to bonus content, like Bourree, Julia and I talking about what you need to buy to feel like an adult. Subscribe now in Apple podcasts. The Dough is a Lemonada original. I’m your host X Mayo. This series was created in partnership with Flourish Ventures. This series is presented by the Margaret Casey Foundation. Our producers are Claire Jones, Rachel Pilgrim and Tony Williams. Kristen Lepore is our senior producer. Mix and Sound Design by Bobby Woody. Original Music by Pat Mesiti-Miller. Jackie Danziger is our Vice President of narrative content. Executive Producers include me X Mayo, Stephanie Wittels Wachs and Jessica Cordova Kramer. Help others find our show by leaving us a rating and writing a review. You can follow me on IG  @80dollarsandasuitcase and Lemonada @lemonadamedia across all social platforms, follow The Dough wherever you get your podcast or listen ad free on Amazon music with your Prime membership, thanks so much for listening. See you next week, bye.