The Economics of Reality Television ft. Survivor Winner Savannah Louie
62m 50s
The transcript explores financial habits, tools, and real-world insights through personal experiences and market observations. It highlights how products like Factor meals and Monarch support healthier lifestyles and financial clarity, respectively. A key theme is the growing disconnect between market performance and everyday financial struggles, especially as tech stocks dominate the S&P 500 while wages remain stagnant. The *Friends* cast example shows that collective negotiation leads to massive, long-term financial rewards, proving that leverage is more powerful than individual effort. Spirit Airlines’ closure demonstrates how reduced competition drives up prices and harms consumers, underscoring the value of market competition. Another critical insight is that high-income earners often feel more financially strained due to rising fixed costs, not income levels—proving that wealth is measured by savings, not earnings. The Survivor winnings story reveals how sudden wealth can be undermined by poor financial planning, taxes, and impulse spending. The takeaway is that financial stability requires discipline, mindfulness, and long-term strategies—like investing, avoiding impulse buys, and leveraging collective power in negotiations. Ultimately, the conversation emphasizes that true financial health stems from intentional habits, not just income or luck.
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That's code Mrs Dow Jones 50 off at factor meals dot com. See website for more details. The other day I was going through my desk and I found a journal right from when I graduated and it had pen and paper how much I spent each day at this time. I think I was making around $40,000 in access cash flow was pretty tight so I had to watch every penny. I think about how far we've come with technology and advancements to help us with this stuff. We don't need a journal with pen and paper anymore. The answers are out there and Monarch is one of those answers. Monarch is literally it's like having a financial advisor in your pocket. So you can use AI to help see what you're spending. Monarch will help you have full visibility in your counts. It will help you see your trends. It will help you set goals, map out big purchases. See if you're actually on track to where you wanted to be, you can ask Monarch's AI assistant anything about your finance. It's like, hey, how much should I spend on travel last summer? Can I forward this vacation without touching my savings? You can spot things you wouldn't think about before. Like, oh, hey, has my spending gone up or just inflation? I was using pen and paper. Now you can use tools like a full financial advisor in your pocket and that's called Monarch. So what you want to do is you want to go to Monarch dot com use code trading. The first year of Monarch core is half off at just 50 bucks. That's 50% off your first year. Just go to Monarch dot com with code trading. Taxed dollars cash in your bank account. How fast do you think you could have blown through that if like you weren't careful? I've already spent it. No, I just want this is financial team. Okay, Sippers, welcome back to Financial T the podcast where I teach you how to build wealth with a side of market drama, money scandals, and of course financial pop culture. Today we have survivors season 49 winner with us here. Our first reality star. Oh my gosh. Well, actually, we got to live in outwood, but she's British. Yeah. You have to be all the US key. Yeah. Yeah. And I'm so excited for you to be here to spill all of the financial secret. Girl, thank you for having me. I've been a fan of you since I discovered you during the pandemic, so I'm a real one. I know. Yeah. Right, we were all going through it. We were. You helped me get me through it, like mentally and financially, so yeah, so many. But first, let's get into the MDJ market report. Okay, guys, welcome back to the MDJ market report. I got the four stories you need to know to understand where the money is moving this week. First things first, I know that everyone is upset that Big Tech has taken over the Met Gala and Lauren and Jeff bought the big event for $10 million, but like, guys, why are we surprised? They already took over the freaking S and P 500, okay? Let me break it down. So Big Tech released their earnings last week and they had one of their best quarters in years. And subsequently, the stock market hit near record highs. But meanwhile, consumer confidence just hit its lowest level since 1978. So like worse than the 2008 crash, worse than COVID. So like, how can this be true? How can it be so hard for like people to, you know, be able to afford groceries, their wages aren't going up, but like the stock market is doing so well. And it's because the S and P 500, which is a weighted index of the top 500 companies in America is being driven completely by the magnificent seven tech stocks. So that's Alphabet, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla. So like the mag seven now make up 33.7% of the entire index, which is up from just 12.5% in 2016. And in 2025, 42% of the markets total return came from those seven companies. So like when Alphabet, Meta, Amazon and Microsoft go up, the whole market looks healthy, even if groceries are high and people have stagnant wages. The risk is that if the tech stocks keep winning, the market looks great. But like if they slow down, the illusion will break, Jeff and Lauren aren't just walking the right carpet, you guys are also running the stock market to their world. We're just living in it. I'm waiting for my yacht invite the summer. JK would never say yes, because obviously I am in protest of them, just like Zendaya not going to the mechala. Okay. Now let's talk about friends. A more fun story because Lisa Kudrow very out of pocket was in an interview this week and said that the members of the friends cast each make $20 million a year off of the show and residuals, which honestly is just proof that negotiation is the highest paying skill that you will ever earn and becomes so much more powerful when you bargain collectively. I'm going to talk about how you can do this in your life, but first let's just talk about how they did it with friends because it's crazy. And by the way, I cover this so indefinitely in future rich person. You've got like one more week to get the pre-order bonuses. So make sure that you pre-order the book at Mrs. Dow Jones.com. But basically when friends launch, the cast wasn't paid equally. Jennifer Aniston and David Schwimmer were considered the leads and made more. Until they weren't there, they were on a break, you know, they're getting the big bucks for that. But then by season three, the gap became a problem. So the cast, instead of like getting mad at each other and like competitive, made a decision that they were just going to negotiate everything as a unit or not at all. So like if you wanted the show to keep going and it was a hit show, you had to play by the rules of everyone on the cast together. There were no side deals, no one getting picked off. And that collective leverage is what got all six of them to a million dollars per episode by the final seasons, which was the highest TV salaries ever at the time. And what's even crazier is a negotiated backend participation, meaning they got a percentage of syndication revenue. And friends generates about one billion dollars a year, which is insane. Each cast member gets two percent of that, which is 20 million dollars a year, 22 years after the show ended. And I just want to be clear, like for contacts, sex in the city, they didn't negotiate as a group, and they don't get this money. Lauren Graham did seven seasons of Gilmore Girls and said she gets basically no residuals from streaming. These are the same jobs with completely different outcomes. And the lesson is that you will never be able to outwork a good deal. And like one negotiation really can pay you for decades. And most importantly, leverage, especially collective leverage is where the real money is. Think about this in terms of like fertility benefits at work. Like if that's something you really want from your company, find other people in the company that really want that to and go together to HR. Because when you work as a group to ask for something, it gives you a lot more power. Okay. Our third story, we're going to pour one out for spirit airlines. They did just shut down. And while people do love to hate spirit, I flew them to Las Vegas to see Taylor Swift. They was fine. It's existence really did keep flights cheap for everyone. And economists call this the spirit effect because like when spirit flies a route, airlines like Delta and United and American are sort of forced to compete with those $40 fairs. And so when spirit leaves, prices can jump like 20% or more. So like even if you never flew spirit, like me, obviously, budget diva, you benefited from it. And so now that that pressure is gone, higher ticket prices are going to happen. We're going to have fewer ultra budget options and of course 17,000 people are out of work. But the bigger issue here is like it's not even really about the airlines. It's more about just like competition disappearing, which I feel like we've been seeing so much. So when low cost players die, prices don't just stay low out of kindness. Like they rise because they can. The lesson is really that competition is what keeps your cost of living in check. And when it disappears, you are going to feel it even if you don't realize why. Okay. And for our final story, we need to talk about this chart. Yeah, we're going to talk about a chart, guys. It's going viral. It's from Goldman Sachs. And it's basically about rich people who rich wrong because it turns out that higher earners are actually the most broke according to Goldman Sachs, nearly 40% of Americans making over $300,000 say that they live paycheck to paycheck. So that is higher than people making 50k to 100k. So yes, I am saying that someone making $400,000 is more likely to feel broke than someone making $75,000. And you might be like, "Haley, why?" Well, it's because above $300,000,
My style creeps sort of just become structural. You start to like get the private school tuition going, you got the mortgage, you got the childcare, the car leases, the second home, the vacations. Like these aren't even splurges anymore. They sort of just become fixed costs. Goldman calls it luxuries becoming necessities. And once that happens, your income goes up, but your savings rate sort of just like disappears. So the real lesson is wealth is not about how much you make, it's about how much you keep. So if your salary increases, increase your savings rate and your investment rate right away, automate that. Because otherwise, you will fall into this trap too. And if your lifestyle rises as fast as your income, I promise you that you will always feel broke at every level. So it's so important that you do this. Well, I've so many questions for you, but we always start the show just by asking these three icebreakers. So the first one, what are your best and worst purchases of the week? Oh my God, of the week. Honestly, my best purchase of the week, probably the dinner I had last night. When you have dinner with good company, like that, that's everything. So we went to an Omakase spa here in New York. Okay. Anything sushi, I'm always all about it. So you know, you get the sustenance and you know, being on survivor, I'm like any excuse to buy more food. Like let's bring it on, right? Especially the good food. Worst purchase of the week, probably anything I'm buying in the airport, because you know, that she is. It's insane. I usually try to like get all my snacks before I go and everything, but I think that, I don't know, I just kind of forgot this time and it's really more the principal for me, you know? I used to be obsessed with my magazines with the airport, which I literally think was my worst financial habit. Yes, they'll get you. And there's something about going in the airport where I kind of start to think like, oh, like, it's a free pass. Like I'll get all the candy, I'll get all the snacks, I'll get all the everything, but no, you can't slip into that. And then you become the person at 8 a.m. who's drinking. Exactly. Yes. You're like, what happened there in the lounge? We have, we have, we have. Okay, what gives you the financial ache? Oh, oh my God. Honestly, probably when people complain about circumstances that they get themselves into, I don't know, dude, I have some friends in real life who are gonna keep the names out of it, of course. But it's kind of things where you can't complain that you don't have enough money for the bills when you're spending money on stupid shit, right? It goes back to this airport example, right? Even if it's saving like three to five dollars, like at a time, like I'm a believer, like that should add up. And that kind of mindset is gonna seep into any other area that you have, whether it's the airport, whether it's going to the grocery store, whether it's going to the mall and then letting yourself slip. So people who are in that kind of vibe, I'm like, we gotta get it together. Yeah, like the person, like Barley, taking the money out of their 401k to pay up their credit card bill, they have a Porsche. Yes, it's like babe. You know, it's wild 'cause I'm in Atlanta now. Yeah. We see a lot of that in Atlanta. Oh, really? Yeah, you see a lot of people who almost like put up a front. I've lived across the country. I used to work as a journalist. And so you move around a lot for that job. And in Atlanta, in particular, you have so many people or restaurants or, I don't know, just anything, really, that puts up a front at times for being into the aesthetic. Wow. They'll have the nicest clothes, they'll have the nicest watch, but they'll be broke. And I'm like, you guys, like, what are we doing? This whole idea of faking rich is really just like taking over the culture. It's wild. And it's frustrating to watch, but, you know? Yeah, well, okay, so do you feel rich today? I do. I do. Yeah, and that's not because I have like, you know, millions of dollars in my bank account, but I think a big part of feeling rich is not having worries, right? They say money can't buy happiness, and that is so true. But it can relieve a lot of anxieties. Yes, I agree with that. And you can buy therapy. It can buy you time off from work, if you're really stressed. Like it can really support your mental health. It can support your actual health. It can take away troubles. Like, you know, family is having issues. Yeah. Can't buy happiness, I feel like, is not true. No, 100%, you know? My cup feels so full. Like, I mean, I'm leaving New York today, but I'm going to go back and see my partner and be with people who I love and just, you know, I feel like I have a lot to be grateful for. So like in the scheme of life, I feel very rich in the scheme of life. That's so nice. Yeah, I know, it's very wholesome. No, I like to feel it from you. You have a bright light. Thank you. You have a good energy. It's not just the lighting in the studio. No, this is good, I love it too. No, both, both, both. Okay, so survivor, obviously cult fandom. People are so obsessed. Everyone that I know who watches survivor could not believe you're coming. Like you're really a fan favorite. They love you. And they're like, she's so pretty, she's so good. They love it. So I think people are very curious about the financial details of reality television. And obviously you're on survivor, you won. It's a $1 million cash prize, which is a lot of money. How much of that are you actually getting after taxes? Oh my god, girl, it is painful. It's actually devastating. So I have already paid my taxes, obviously, from the past year. And I think I paid about of that million dollars, $380. Oh gosh. Girl, it was like a punch to the guy. Like, because that's more money than I have ever made in a year by far. Especially when I was working as a journalist, like my first couple of jobs out of college, I was like at 30 K a year, you know? And so to sign a check over essentially for that, that high, it was unreal. It hurts. It's so funny too, because with like big liquidity events, people are supposed to plan it advance with their tax strategy. Like say you're a founder who's going to sell their company, they would, like a good accountant would tell you, like, okay, you need to like prepare for this. Like maybe you move to a low or no income tax state. You're, you know, putting all of these ducks in a row so that if you do have that big payout, you're not getting hit with that big tax bill. Right. But if you go on reality television, how can you plan to wait a million dollars? Like it's so, you probably didn't think you were going to win survivor. Well, I will say, I went in feeling very confident. Oh, you did? Yes, but at the same time, like, I wasn't necessarily in the mindset where I'm like, oh, like I got a financially planned for that month. Yeah. Like I was so confident, but at the same time, I was so focused on just getting out there and kicking butt. Yeah. I wasn't thinking about the second part of the year at all. And it is interesting because depending on what state you're in, or even what country you're in, because for survivor, they accept Canadians for for U.S. survivors. So you can be from the U.S. or you can be from from Canada. Canadians get to keep all that money. They don't have to pay taxes to the U.S. rights. I know it's so, and there actually was a winner who was from Canada a few years ago. And so the money that's in her pocket is a little different from the money in mine. Yes. At the same time, living in Atlanta, like I'm very grateful that I'm there and not like, I don't know, probably California or something. Yeah. Oh, yeah, 100%. And is it one giant check? Girl, this is actually, it's sickening. So we played the game in summer. And you played the game. You can get like a very small advance of maybe like $10,000. But other than that, they're keeping that money. Because with survivor, or maybe other reality shows, I'm not sure, but there is, there are NDAs in place. So I know who the winner is. Our cast knows who the winner is. But they production don't, doesn't want that to get out. And so they have that, that, that check at the end of the day that's kind of looming. We have to wait until the finale airs though before we get that payout. And so for me, our finale aired in December. No. Yeah, so I was waiting a long time, very patiently. But literally like less than 24 hours after the finale aired. I see that, that $1 million straight deposited into my bank account. Oh, my, it's the weirdest feeling. And that whole day, I was checking. I would check every like 20 minutes. Like, okay, is it there yet? Is it there yet? Is it there yet? Just so eager to see, you know, my hard work paying off, right? Yes. Well, it does sound like it was actual work though. Like you went, you weren't just like, I'm going on survivor. You were like, no, no, bitch, I'm like going here to win. So how do you lock in for that season? You know, it's so funny. One of the very first quotes that survivor production showed of me before the season even started. This was in the promos. But it's a clip of me laughing and saying, this is going to be the easiest million I will ever make. And you know, when I said that, I was kind of joking, like, kind of leaning into it, but also seriously, like, my previous job, I wasn't really getting a lot of money. I thought, you know, a million dollars in a month's work essentially. That sounds pretty good to me. I can be starving for that amount of time. I can, you know, put up with other people's BS or lie to people and strategize and sleep on the dirt for, you know, I've done crazier things for for smaller amounts of money. I'm sure. But, you know, once you're out there, you really realize that any preparation that you've done, like, it can't just be preparation from the past few months, right? It's almost like my entire life, I feel like, prepared me to go out there. And that extends to my work as a journalist, you know, which builds this mindset, this tenacity in you for when you're determined to get the story. And, you know, I'm not even kidding. 40 people say.
know, I don't want to interview with you. I have no interest in doing this. Like, how are you going to make that work at the end of the day by the deadline, right? It builds this mindset of, you know, when, when you're up against the wall, how do I get through that wall? How do I get over that? And that's what really carried me through the game. But other than that, like the months before I went out there, I was, I was training like a crazy person. I was doing a mix of hot yoga. I would do boot camps. I did a lot of Pilates or LaGree classes, which is so good for your core strength. I would do sprinting outside. I would try to talk to anyone and everyone ever because with survivors, that's a social game and you're out there with people. That's so interesting. Yeah. So like, I would be in random places like the grocery store or maybe my apartment complex. And I would see someone who I've never met before. And I would just try to engage with them and try to to lie to them. Yeah. Well, actually, this is wild. This was a couple of weeks before I left for the show. And I got pulled over by a cop. And I was like, Oh, my God, this is terrible. I was like, this is a perfect time to practice my lying skill. I know. And so this, I feel so bad about this now, but the cop pulled me over. And he was like, Hey, you know, you made like an illegal turn. And I just, I start like crying. And I'm like, I'm so sorry. Like this is, this is bad. I'm going to get bad karma for this. But I was like, I have to pick up my mom from the airport, like someone in our family just passed away. Oh, I know. And I didn't get a ticket. Yeah. I had to practice that line. I know. And I feel so bad. I know. So if that police officer, it was your 10,000 hours, I'm right literally all to get it into one. I love that. And we, okay, so you have that money in your bank account. You have around like, it sounds like 600 and like $40,000 around. How much is it? 380 after taxes? Yeah. No, before after taxes. I gave 380 to tax. Oh, okay. So it's like 620. Okay. So you had, so you had 620,000 taxed dollars cash in your bank account. How fast do you think you could have blown through that? If like, you weren't careful. Oh, no, I'm just fine. Did you believe me? I was like, damn, this is financial. Oh, my God. I know you're like, in a way, I was sad. But I was also like, okay, but you see, like we're going to be so violent. No. Oh, my God, I, girl, honestly, I love to travel. Yeah. And there's such a big part of me where I'm like, I want to freaking pack my bags, get on the plane, the first class, don't the one, and just go everywhere. The feeling is kind of like when you go to college, right? And you get that new sense of freedom. I grew up in a really religious home. So when I went to college, I had that new sense of freedom. And I went kind of crazy, okay? Yeah. And so I feel like I almost have that same sense of, whoa, like I could go crazy. Yeah. And I see it kind of seeping into my everyday life in some senses. Like I used to never, ever go really out to eat. Like I would make all my own meals to save money. Now I'm like, you know, fucking door dash, like it's more expensive. But like, okay, I'll do it, you know? And so it's like little things like that that have kind of started to creep up. I feel like I could have gone through the money really fast, but I was good. And I invested most of it. Oh, well, we definitely want to know about that. What did you invest in? So I pretty much just gave it all to my financial advisor. Okay. Yeah. And this is someone who my parents have used, someone who I trust deeply. He's managed my money for probably about five years and everything. So it's just, yeah. Do you know what his fee structure is? Oh my god. I think it's and maybe cut this out because I could be wrong. Um, but I think it's like one per one to two percent. Does that sound right? Yeah, it sounds right. I think that honestly, like financial advisors, though, I are, unless you have really complicated finances, can be a little bit overrated because you end up spending so much money just to have someone do things that are really basic. Like I'm sure if we looked at what they're actually doing, it's like there's putting them in low cost index funds. Yeah, that's part of it. I think there are individual stocks though as well that he is. He's got his, I know. You're the ground. Yes. He's got those good tips. So my first couple of years. Well, in, I think in my, in like two or three years with him, he had like essentially almost doubled my money. Yeah. So he's, he's doing a good job. Yes. Bob, thank you. We love Bob. You did the hard work of winning survivor. Yeah. And now he's doing the hard work of making sure that you stay rich. Yes. Yes. Hey, Bob is trying to Bob. Yes. In the first 30 days, so immediately you're just giving him the money or like what'd you do with the money? And like did you buy? Did you splurge on anything? I had to. You got to. Obviously. And I need to tell people to do that too. Like if you've got a bonus at work or something like take 10 or 20 percent and have fun. Yes. Then be serious with the rest, but like financial anorexia never works. Yes. Exactly. Yeah. And so it's interesting because I always kind of grew up with a warped anxiety about money. My parents were on welfare when I was unexpected surprise, baby. And so we grew up being very, very frugal. So having this money and especially having this money so quickly was like, you know, it's like, damn, like what the fuck? Like that's wild. And so yeah, per my per Bob's advice, essentially, I invested most of it, but I kept around like 40k that I kind of want to play with. And so we the first thing we did was we went on a trip to Thailand, a Huey trip. So fun. Yeah. And you can make the money stretch there. Yeah. Exactly. It's like amazing. Yeah. And so we, we stayed at some really nice spots. We ate like all the good food. We had like so many massages on elements. Yes. And for me, Thailand has kind of been like a dream trip. So being able to go and not only that but go with my partner who has been through this a while. That's right with me. Like it was just, it was the best. It was the best. You know, I will say I'm also some like, I love material stuff. Yeah. And survivor. They don't give you a trophy. They just give you the money and they give you the title. And so I was like, you know, I want to buy my own little trophy. So my trophy is actually this one. Oh, let's see. Yeah. Okay. We're both like the magic. Yes. I know. Let's see. But you're just small. Yes. Yes. This is a small pamphere silver. Yeah. It's too tone. Oh, too tone. It's so pretty. Thank you. Did you buy that full price? So you walked into Cartier. I did. And so the cool thing about this though is how much was it? It was, I think it was about 10. Okay. Yeah. But the way that I look at it too is I like the first few times I would put it on, I would feel like, oh my gosh, like this is so special. I can't believe I bought this watch that I've been wanting for a very long time. I bought it for myself. And I realized I'm like, you know, I really need to be more intentional when I put this thing on. And so what I do every morning is when I put on my watch, I think about what it means. I'm like going to get a little emotional talking about it, but like I think about what it means. I think about the hard work that it took to earn this. I think about the tenacity that I had to show and that I had to demonstrate in order to get this this material trophy, right? But that's how I start my day every day now that I put this shit on. That's so intentional. It is. And I, I mean, I feel like if we, when we make big purchases like that, I mean, I don't get me wrong. Like I have some nice clothes, but I don't really think about maybe the shirt that I'm wearing or the bag that I'm carrying in the in the same way that I think about this watch. That's so cool. I also feel like so many purchases lose their roster. Yeah. Like most things too. That's why I always say like with impulse shopping. If you're struggling with impulse shopping, wait three days before you pay. Yeah. So you just leave it in your cart. You won't like, you're going to forget about it. But when it comes to something that you really, really want, like it's okay to really want something and to save up for it and to make it happen. And I had the same experience with my watch, although, yeah. So I got it when I signed my book deal. Oh my god. Yes. And I was like, okay, this is going to be probably, it's a culmination of so much work. It's going to be so much work. And I really want to mark this occasion and get myself something. And I'm going to do that when I put it on, like really think about everything. But I will say that it has not lost its roster. When did you get yours? I got mine about, I would say, 18 months ago. But my god, but I didn't buy it firsthand. Oh, okay. So with watches similar to like cars or boats, the most they ever have in value is the when they're brand new. And so they depreciate. And so most of them do at least because like, there's a lot of these on the market. Like, you know, we're sort of basic bitches. There's nothing about basic though, like basic for words. And it's a classic totally nice. And I do understand the alert of like having the day of going to Cartier. Like, that's so chic. I mean, well, I'm like, with a woman named Donna in Chinatown, who I trust in my life. And she's like, I got a guy on the phone and his name is Oscar, but you can't tell anyone that. Well, my kids would be like, that I would get something fake. Oh, no, she's, I have the paper. It's under. Oh, nice. Okay. So I would never have bought it if it wasn't under warranty. Okay. So there's basically like a guy who worked at Cartier who got it for a discount. And then he resold it to Donna. Oh, and then Donna got it for me. And so I was able to get it for a little bit less. It's so expensive. Yeah. I was going to say the gold ones are like, yeah, especially now. Right. So gold. I got it before I will say I love that. And I do think that like a jewelry, especially as like a memento of moments, it really does hit. Yeah. So I'm with you on that. Okay. So you're talking a lot about your partner. Did it affect your relationship with them at all that you have this windfall? Like it's already the expectation that like, you're going to pay for more things. Do they feel like you they are entitled to some of your winnings? How do you guys split finances? Yeah. So I love that you ask this question because honestly, that was one of my, I don't want to say fears, but it was on my mind when I was coming back from Fiji and I'm like, all right, I'm about to get this big payout. And just for context, we've been dating for about two years. So when I went through all the survivor stuff that had been just about one year.
that we had been together. - That's fresh. - Very fresh. And especially when it comes to finances, because you know that first year, you're soaking in the relationship, you're not necessarily having a lot of those tough financial decisions or conversations, I should say. And so actually, when I was away filming survivor, we ended up moving in together. So he picked out a place for us. - Wow. - He paid most of the rent. And we're moving again to a place that's a little cheaper. So he's gonna pay all the rent now. It's honestly really nice. I don't know. - You have a sugar daddy is sort of what I'm hearing. - Actually, and I was so worried. Not worried, but I was very mindful that with this income that I was gonna have to pay a little bit more. - And he was gonna ask you to contribute. - Fuck. - Yeah! - He was out of $1 million. - You're like, "I still want to be your sugar baby." - Exactly. - And when I'm rich now, let's pretend. - I know. - I still have not. - It was just a good year. - Yeah, I love permanent. - It's also hard too, 'cause it's like the windings are everywhere. Like you can't do nothing. - I know. - So I think a big part of it though is. - That's really funny. - It is. But I think it's just built into him that he wants to be a provider. - Yes. - I love that. - Yeah, which means so sexy. - Yes, 'cause there are absolutely men out there that would and do expect women to go half and half. And that's cool for them. That's not me. That's not how I wanna be live in my life. And I'm so grateful to my partner for always being like, I wanna take care of you as much as you can. Like, girl, like, you know, do your thing. I think a big part of it is also regional. Like when I lived in California, like there maybe is more of an expectation that men and women split things more equally. - You're like the more liberal places where women are seen more as equals. - Where is that expectation? - Literally when you go to the South. - I know. - I showed up on antiquated values. And we are. - A million now. - Exactly. And don't get me wrong. The South, like we have our own set of issues as well. - Yeah, of course. - But, you know, the dark perks. - Yes, exactly. - I love about women staying rich. - Yes. - Another day, like I'm a feminist. But I'm also like, you know, his money, our money, my money, my money. - Yes, yes. - And so, I mean, like, I'll also offer it. Like we're going on vacation soon. And I'm like, babe, like let me get the hotel, please. - So nice. - Yeah, and it's the kind of thing where like, he wants me to be successful with my finances. But I also want to help as much as I can. And like, you know, almost give him a thank you for just being such an incredible man and partner. - And supporter, you know? - Yeah, I love that. - Yeah. - Quince makes elevated everyday essentials using premium materials like Mongolian cashmere, organic cotton and washable silk. The designs are timeless, thoughtfully crafted, and made to be worn again and again. Quince also has premium stretch denim, leather bags, footwear, and beautiful 14-karat gold jewelry. I personally have been living in my cotton cashmere rugby polo sweater this summer. It's so chic and sort of crappy and just pulls every outfit together in a way that feels really effortless. And it's not just a peril. Quince brings that same approach to everything they make from a hotel quality bedding and bath to kitchen essentials and boughtfully designed furniture. They make well-designed pieces for everyday living. Find the fall pieces you'll reach for most at Quince. 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Head to factormeals.com/missesdownjones50off and use code Mrs. Dow Jones 50 off to get 50% off and one free breakfast item per box for one year while supplies last until 1031/2021/26. That's code Mrs. Dow Jones 50 off at factormeals.com. - Did you get him anything to sell it? You got yourself a watch. You're like, "No, what's for you though?" - Oh, no comment. - No comment, no comment. - We're working on it. - Was there anyone else in your life though where money did affect the relationship? - Let me say this, I will buy him shit. 'Cause I don't want it to sound like I'm just hoarding on to my money. - Oh no, I'm kidding. - Well, 'cause I bought him some clothes the other day. You know what I mean? 'Cause I'm like, "Hey, this would look so good on you." And I know he's not gonna spend money on himself in that way. I'm like, "I want you a little caught." Let me get you these shirts, you know what I'm saying? - So there's sort of a purchase for you though. - Yeah, there's some mutual benefits, right? - I will say, women do love, I love to buy. Whenever I've dated anyone, I've got them clothes. - Yeah. - And it is sort of just like a gift for yourself. - Yeah. - 'Cause you're like, "Oh, like now like my boyfriend is wearing this outfit that I really like." - We're both gonna be looking good. - Yeah. - I get a lot of boyfriend's, yes. - Okay, that's so, so there was never even the question of like, okay, you're gonna be contributing more. - No, like he never even asked. - You would have, it sounds like you would have gone the ick too if he had asked. - Probably. - Yeah, just like a financial value of yours that you are taking care of. Which is okay, like everyone has their, and maybe also comes from childhood, like with all the welfare stuff, like you wanna feel safe and supported. - Yeah, I mean, that's to me. Like it's such a sexy thing when a man wants to say, like, let me take care of you. Like let me be that provider. And I don't know, you just, you just feel so manly when he does that stuff, like I like it, turn me on. - But I think that also you're coming at it from a perspective of having your own money on the side. - Yeah. - In the position where the man is taking care of you, but you have nothing else, then it makes a relationship really imbalanced because you're sort of stuck. - Yes. - But with you, I mean, you have made lots of money, you have lots of money compounding in the market. If you want to leave, if you did any kind of fuckery, you could get out. - Yeah. - But so it's just sort of like a bonus that helps keep the spice alive. It sounds like. - Right, exactly. And I mean, I know women who are in positions like that, where they don't necessarily have their own income. And they are kind of trapped in relationships or situationships where they literally cannot leave. It's impossible because of their finances. And like my partner, like I plan on being with him for life, like you know, that's not too big of a concern, but for now, you know, it's working out, okay. - Yeah, agree. And you have that safety net. - Exactly. - You always gotta have that way. - I'll make a way. - I'll make a way. Okay, so now that you have one survivor, this is obviously you were saying that you spoke on a panel yesterday, like what other revenue streams has this opened? - If you play it right. - Yes, so here's the thing. I feel like I didn't play it as right as I should have. I know I'm having regret because during my season, I was kind of active on social media, but nowhere near the more, the level of activity, I am right now, that makes sense. - Yes. - So I wish I would have leaned more into, let me make content. - When there was the content about the show, yes. And I still am seeing attention and engagement online. I think people are really curious about all the behind the scenes stuff of survivor as someone who was a fan before I was a player. Like I love sharing that tea, but I am, I do wish I would have leaned into more of that content creation side. So other than the full million dollar winnings and everything, I'm on Cameo. So I've made like, in comparison to the million dollars, it's a small fraction, but probably close to like $20,000 off Cameo. - That's awesome. - Yeah, it's wild because, and I like doing the videos for people, it's sweet. But people will pay like, you know, like 70 to 100 bucks for a quick video from me for their, I don't know, Mom's birthday or something, which is wild. - Maybe we'll have her on like a really weird request. - Yeah. - Yeah. - Girl, I had like, can I share? - Yeah. - Because I'm dying for your share. - Even if it's inappropriate. - The more inappropriate the better, if like really pervy listeners. - So I posted a selfie on Instagram. And I'm wearing like a little dress, but like you, you can kind of see through the dress a little bit. - You know what I do, right? - You know what I do. You said, you know, I didn't post enough during the show. So this is, and this is what we got to make up for. - Yeah. - Yeah, so I posted this like, little selfie, you know, whatever. And so I got a Cameo request. And it was from someone on Instagram who like, I guess it's seen the picture. And they start asking me about like, my, my body. And they were asking like, like, is your nipple pierced and like all this stuff. - And it was very invasive, but I made the Cameo. (laughing) - The end of the day. - Yeah, because you know, here's the thing. Like I didn't say anything in the Cameo that like I wouldn't mind the public thing. - What did he ask you to say? - I can't remember. Like, 'cause he had a bunch of different questions. - So he was a Cameo like, my nipple's pierced. Or was it like-- - No, I don't know. It was like, I'm your little girl. - Like, what was the vibe? I don't know, like what did he want you to say? - Oh my god, so part of his request was, I'm gonna have a birthday. Would you come to my party? And then he said also, if the Cameo was maybe like 80 bucks, he was like, I'll give you a bigger tip if you do this Cameo in a bikini or like, you know. - Cool. - Yeah, which I didn't do. We're like a hoodies.
>> Look at a bomb, but I kind of mentioned that in the video and I don't think I'm going to do that. It's just having fun with it. Also just being a little cagey. >> Men love a little mystery. >> They do. >> When it's zipped all the way up, they want to know what's underneath. >> I know. >> I know. >> But some people are crazy. >> And you definitely could take it that way. A lot of reality stars then take it more to the only fans route. >> And no shade today. >> There's so much money in that. I come with consequences of course, but I also think that it's given a whole generation of women so much economic security that if you can mentally handle doing it, it's something that can be pretty powerful. >> Yes, 100%. >> I don't think that's me. >> It's you sort of know. >> He's out right now. So you won the show, talk us through your decision to go back on after winning. You weren't just like, wow, you just did one of the hardest things I've ever done in one at all. Maybe I should put my head. >> Yeah, no, I absolutely thought like that. I'm a big believer in if something scares you in life, it might be a sign that you should go for it. There's a lot of power of listening to your gut. And if something feels unsafe, in that kind of way, don't pursue that. But my reason for being scared to go back for 50 was, oh my God, what if I lose? What if I'm a first boot? I was going to make fun of me. And I realized, I'm like, wait, that's so egomania in my head right now. Why am I worried about that? Why am I worried about failure? I could very well fail. And what's the worst that's going to happen if I do? I get to meet some incredible players who are probably going to be on the season. I get to, you know, be out there and still get paid for being out there. Because even the first boots, you make money. How much you get paid to be on the show. So it's typically for a normal season. The person who's voted out first will make about $2,500. So for being out there on the island three days, you're making $2,500. For season 50, it was different. I think the only thing I can say right now is that the first boot makes a minimum of $40,000. Yeah, I was a third boot. And so, like, again, like, keep that, keep in mind the money that I was making my first two jobs out of college, $30,000, $40,000 a year. I made more money in a month than I was when I first graduated. Like, so I'm like, how could I say no to that? Yeah, again, it's that principle of me. Maybe I don't need that, you know, whatever, that amount of money. But I, I just, as a, my, my principles, like, won't let me turn that down. I think it does. I would like, you're all of your, how we look at money is rooted in behaviors from when we were seven years old. 100%. I get all this from childhood. So I feel like so much of this does come from the fact that like you grew up with scarcity, with fear around money. And so it's like someone's offering you a paycheck. If you're never going to really be able to confidently, even, even though you know you have enough, enough. I think that enough is probably a hard thing for you to really feel. Yeah, there will never, I don't think there will ever be enough, you know, which is like, I don't really love that mindset. I feel like maybe being insatiable in that way isn't like the happiest way to think about money. And maybe I need to go therapy for that. But at the same time, like, I think it also kind of has lit a fire in me in, in some cases. And, you know, for my first season, like, I was really determined out there. And, you know, there would be situations where I'm like, okay, I just have to push through this situation through this one challenge. And I'm in pain right now, and it's hard, and it hurts, and I'm really going through a lot. But I'm also one person away from winning a million dollars. That's so, that's really exciting. Yeah. Okay, can you walk us through more of the finances of the show? Because you just said that for the season 49. For $2,500. If you, you're the first boot. So then what about the other levels? Like, if you're the, if you are the runner up, how much did you get? Like, and also what are the finances of season 50? So I will say, I think like survivor is probably one of the better paying shows. Like, I'm pretty sure like bachelor bachelor, like, they don't make anything. Yeah. I mean, they make probably plenty off like the brand deals and like the influence. And they have to pay for outfits. You didn't have any glam. You know, I know we're literally out there. Yeah. Which we need to, we'll talk about your big sweater later. Yeah. Oh, I love that one. But for survivor, at least for most seasons, the runner up. So second place person, they get $100,000. Okay. Yes. And so it is a pretty big jump from second to first place. But that second place person, like, they're still walking away with a pretty nice paycheck. I think third place makes about 85. And then honestly, like, because I, like, I wasn't there for like the earlier boots. Like, it's so hard for me to remember that pay structure. I think it goes up substantially, though, once you get to what they call the jury phase. And so that's like maybe the top 10 people or so they start making a decent amount of money. That's great. And do you have to leave your, your job to go on the show? So what's wild? It depends on people's situation with their work. And so I'll tell you a little bit about what people from my first season did. I just, I took the time off unpaid. Other, I think most people took time off unpaid. One person on my season, I believe, took like, I don't, it's not medical leave. But it's like the short-term, I think it was short-term disability. And they weren't like totally on the stick out. Why they really think they're part of your line? Yes, exactly, right? You know, anyway that you can. I think like, in today's day and age, when you watch Survivor players in 2025, 2026, like it is people who have almost a luxury of being able to say, I can't take the unpaid leave. I don't necessarily need that paycheck. Whereas, you know, when you watch Survivor in some of the earlier seasons, I would see people who maybe come from a financial place where like they desperately needed the money. I think that is maybe one of the disparities. You see a lot of people from like, you know, stable financial backgrounds play in the game. And it's because they actually can't afford to go out and play. Love that. Oh, so you think that there's like a lot of sort of like, like richer people on Survivor, because they can take a month off work. Right, I wouldn't necessarily even say rich, but like, comfortable. Financially stable. Yeah, exactly. Okay, so it's like a reality show that attracts that. Yeah, because with America's desktop model, it was like they literally have to pay for their own food, pay for their own drinks. Like it was so crazy and they weren't making money from the show. Yeah, I mean, and I'll say this too, like there are people who go on the show and who are struggling or who are in debt. But I think for the most part, you'll see more people who are comfortable, you know, leaving their families and their jobs and their financial situations for a month and a half. Okay, guys, when I first started Mrs. Dow Jones, I was selling a lot of merch and it was a business idea that I was sitting on. And then I set up Shopify and it made it so easy to get started because they truly have everything you need to start selling and you're ready from day one, including the moment your first customer is ready to pay. Shopify checkout helps more customers finish their purchases. And when they come back, their details are already saved. So it's just one tap and they're done. And that's because Shopify handles the setup and the checkout. So you have more time to focus on growing your business and the tools to do it. Shopify has been so helpful in Mrs. Dow Jones and making the business more accessible. And I just like really loved using them when I had that store. They power millions of businesses worldwide from household names like Mattel and Jim Shark to small businesses just getting started. So go to Shopify.com/financialt for your free trial. That's Shopify.com/financialt to start your free trial. Shopify.com/financialt. Did you know that three out of four US homes have toxic chemicals in their tap water? And what's crazier is that even though contaminated water looks clear, it could put you at risk for crazy health concerns like fatigue and hormone disruption and cognitive decline. I mean, even cancer. So that's why I want to talk to you about Aqua True. 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No, just like I feel like you like you have like a lot what you give out could be different than what's going on inside, you know? Yeah. Like I feel like I'm very like my cards are just all on the table, but like you your cards are more close to your chest. Yeah, it's just she knowing me. Okay, I'll be she. Yeah, that is she. So I think that my edit because I did get, you know, accused of being a mean girl. And I heard a lot of people online who did not like my personal on the show. And I think, you know, it is hard for for editors to show a full picture of someone, right? They have so many hours of footage and you get one and a half hours a week to show, you know, up to 18 contestants. Like you're of course only going to see a fraction of them.
I love how editors showed my strong side and my fear side and my bold side. I think that some people's perceptions of me, though, and I'm not just talking about the cast, but people in the real world who might say, "I give off mean girl energy when I'm not even really doing anything that mean." I think that's kind of a reflection of where our society is and how many new women who act in a certain way or who will say certain things or who will do whatever it takes to win a million dollars. I'm not going out there to be miscongeniality. I'm going out there to win a million dollars. No, I don't need to be a nice girl. Yeah, and what does it take to win? I love that. And you see it in the workplace, too, a woman is a bitch, a woman is cold, all these things. Just because they're trying to be a leader, and you can see men who display those same attributes and no one's calling them a mean boy. No. Not even a term that we use. Exactly. Yeah, that should be the new thing. I know. Let's start it. Yeah, let's go up to the mat. Let's go up to the mat. Exactly. So, I don't know. That's an interesting survivor's like a reflection of what's going on in our society in a lot of ways. And I think that's one of them, you know? Yeah, definitely. And like when it came to winning, because you were saying, "Okay, you did all your hot yoga, your Pilates, you got your core strong. I also know that you had been watching since season one. Girl, day one. Yeah. So, you like, we're sort of training in a way your whole life for this, it sounds like. Yeah. So, what does that look like? Like, what do you mean? What does that look like? I mean, like, okay. Basically, I think that it's really impressive that you won't survive her, because it does require so much strategy, but also physical grit. And so, I was wondering how you prepare for that, and also what of those qualities you find make you successful in the real world? Oh, that's such a good question. Okay. So, I think, like, grit is everything, especially for my game in Survivor, but that's something I really just learned, like, from my work as a journalist. Like, wow. I mean, that industry is so hard, and I went into it, you know, not for the money. Of course, I didn't give two shits about being on TV. Like, I genuinely wanted to make a positive impact in the world, and I felt that journalism and communication was my best, you know, chance at doing that. And that industry is, you know, there were years where I was waking up at 130 in the morning to go to work. There were years where I was working until midnight and working on weekends, so I had no life. You give up a lot to do that job, and when you're out there in the field, every day is full of surprises, and a lot of those surprises aren't really good surprises, you know. You'll find out halfway through your shift that your story has changed, and you still have to be on air at 4 p.m. with the lead story, and you have to get interviews from X, Y, and Z, and a lot of these things sound like they are daunting tasks, and you're wondering how on earth am I going to make this work? But at the same time, you don't have time to say, shit, like, I feel sorry for myself, or like, you literally don't have time to feel defeated. You just go straight from, okay, I got this news, now we're in action mode, right? And it's this mindset that, you know, I literally spent 10 years building. And so when I'm in the game, but also in my real life now, like, I just kind of, you know, I react, and my reaction is that action plan. Oh, that's so good, so you're never getting, like, so emotionally bent out of shape. You're able to take a step back, and look at things clearly, and then figure out, okay, what's the most pragmatic next step, and then you have to be very practical. Yes, and I think that actually is one of the things that, you know, it's a good thing. In a lot of senses, I think that sometimes though, I don't necessarily process those emotions because I just am so quick to go to, okay, my reaction, I'm going to take action. Yeah. And so those emotions do get kind of like bottled up, and then they'll come out like later, and I'll be in a total mess. That's actually one of the things that happened in my first season. I just like had an emotional, like, breakdown because I had just been reacting and not processing, you know. Which we loved as viewers. Yes. Actually, with reality TV, we're like the more your mental health, yeah, it's struggles. It's fun to watch. It is. It's fun to watch. Not fun to experience, but you know, life is all about finding that balance. So right. I love that. So who did you trust that you feel like you really should not have trusted? You know, it's wild. My, like, in the game, for my first season, probably my best friend out there, I know me. And in real life, she is such a gem, like I love her. She's been there for me. She's been there for my partners with her whole process. But there was a point at the, you know, we're watching the season back. And I start to hear her say almost every week, like, "Sav is a big threat." Like, I will need to turn on her eventually. And at the very end of the game, she did turn on me. Oh my gosh. Yeah. And she turned on me and our other closest ally. And I was, I just remember being like, oh my gosh, like, I thought this woman's intentions were to go all the way to the end with me. And it felt in a sense almost like, like when you're going through a break up. And your, your partner might say, like, I don't want to have anything to do with you. I'm done with you. It felt like I was rejected like that in that moment and just those sorts of way. But like, I thought we were supposed to be together, like, how can you be, you know, moving on without me? Yeah. I thought we were going to go to the end together. And to have, have that, that happen and to also have to relive it, as it's airing, you know, six months later, it's the wildest experience. And, you know, what happens on the island in my experience has stayed on the island. And my friend, like, when we were gone, gone filming 50, she messaged my boyfriend every single day, checking in on him. When I got back, she had this huge gift basket for me, like, you know, just saying, good job on 50. She's seen me cry. She's been my shoulder to cry on a lot. And I'm sorry. Like, for me at least, like, if someone burns me in that way, like, even if they're doing all these nice actions, like, I'm still going to be a very, or at least a little bit. So, like, you're never, you can never get back that original trust. It's like, if someone cheats on you, you're like, maybe you stay in the relationship, but like, how do you ever rebuild from a place of, like, actually trust? You know, it's all in the context of the game, right? And you, like, one of the cool things about, you know, my, my friend in particular, and I think also me is like, I've been really good about being able to keep stuff confined to that 26 day period. I feel like I've always been really good at compartmentalizing probably from my work as a journalist. You're covering a murder at 6 p.m. and then you go home, are you going to take that with you? No, you have to leave it in the day. And, you know, I feel like you see someone's true colors when they're not, you know, up against you for a million dollars in the real world. And, you know, I think for you also, like, you really do value money. Like, it's like, and of course, we all do, but it's like, I feel like it does just, like, the million dollars really hit for you. Like, the prize of survivor, like, I'm sure it hits for everyone, but it's like, I don't know, I just keep thinking back to, like, you know, how your childhood and all these things, like it, like, it feels like it meant something even bigger for you. So you get, like, that it could mean something different for everyone too. Yeah. And, like, sort of empathize and are able to, like, see it through that lens. Absolutely. And, I mean, I look at my game too, like, I lied to people, I backstab people, I was not my best self a lot of times with some of those people who are out there on the island. And a lot of the people who I was competing with and who maybe didn't like me when I was out there, they have been able to say, all right, Savannah, that was you in the game when you're starving and you're hungry and you're kind of crazy, but we know Savannah outside of the game. Those are, you know, the same person at times, but they're also very different. Um, we're a product of our environment, right? So besides competing on survivor, what's the other craziest thing that you've done for money? Oh, my gosh. You know, honestly, probably working in those smaller markets, um, out of college where, like, you're $30,000, like, I know there's people who make that, but like, I just felt like at the time, like it was no money for where I wanted to be at the time. And I mean, I remember when I moved to San Antonio after working, that was my second job in San Antonio and having, like, no money in my big account and being like, oh my God, like, how am I going to eat this week? Like before my job actually started and just being like, I really hope that this investment into my career and working in these small markets has been worth it. Um, let me think, I mean, because I'm trying to think about like anything else that I've done crazy for money, but like, I'm like, how far would you take it, girl? What are the options? I don't know. I'm not going to do anything like sexual. I'll say that. I'll say that. I'll say that. I'll say that. Yeah. I'll say that. I'll say that. I'll say that. I'll say that. I'll say that. Yeah. I'll say that. I'll say that. Yeah. I'll say that. I'll say that. Yeah. I'll say that. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. is gonna help me for my future like fuck it. - Yeah, and what is like your version of like, who's your future rich person? - Like, what do I wanna, where do I wanna be? - Yeah, like, what are you working towards? - Like, what is, 'cause we just said like, oh, you don't really, enough doesn't exist for you. - Exactly. - What does that, how does that look? Do you think in the future? - You know, that is the tricky part, because I really, I hate to say it. I don't think anything will really ever be enough. Maybe that I'll change over time, but I wanna be in a place where I can travel freely, and I wanna be in a place too, where I don't feel like I need to say yes to everything.
- And I'm kind of in that place right now where I'm able to pick and choose what project you're here. - Yeah, it's like, so I'm in a good spot now, but I really want to be in a place where I can be very selective where I don't necessarily have to work every day. And we're not only me, but my partner, like I want to travel the world with him and I want to just, you know, live life to be this amazing adventure. - That's so fun. - Yeah, yeah, I just, I don't know. Money, money will come, you know? - So that's like, that's what you're working towards. Like when you think about that money in your investment account, like that money you're thinking about, okay, that's my travel fund. That's my, you know, what is retirement look like for you? - Like, or you don't think it'll happen. Or is that your safety net? That's like your money if you get sick, that's your money, like, if something bad. Like, how do you view the financial security that you've got in from the show? - Yeah, I would say it's an investment into my future for sure. So if I'm able to, you know, years, years down the line, like that would be like, ideally, what I would be living off as far as retirement goes. But I also do feel like I'm the kind of person who I always do like to be doing something. I think maybe when I can retire, I still probably, I'm gonna wanna be doing shit. - Yeah. - Yeah. - You're about that back. - I know. - You're focused on it. - I am. - Okay, wait, but I've always, I'm like, really excited you're here 'cause I've always wondered, like, watching a survivor, what support the contestants get behind the scenes. Like, are you getting, someone familiar with the production told me that like, you might get water, you might get sunscreen, but that's really it. Like, there's no food being slipped your way when the cameras, are you ever seeing the camera men eat or the camera women? And like, you're like, can I have a bite? Like, is this accurate? Is it what you expected? - I wanna know who your source is. - No, we can't obviously say the source, girl. - It's Jeff Probe, though. - It's Jeff. - No, Jeff obviously got him on the horn before he got here. - Yeah, I love that. No, so the only things they can do. - I do the NDA, you like, can you just say everything about the experience? - So there is a lot out there on the internet, but I'm assuming most of your listeners aren't on the subreddits every day, like. - Well, I don't know. We could have, there's people, you would be surprised. - Yeah. - I mean, the survivor heads, like, they run deep. - Yes, you do. We are everywhere, too. - Yeah. - So you do get water, you do get sunscreen, and you do get, like, bug repellent, insect repellent. - Okay. - Doesn't necessarily work on all the bugs out there, like, you could still get bites and stuff, but for the most part, like, they wanna make sure that you're not actually out there, like, suffering to that. - Yeah, yeah, yeah. - So that's pretty much it. Oh, for women, also, you get, like, feminine products. So, like, you know, when you're, if you get your period, there's some women who never bleed when they're out there, just 'cause your hormones are all over the place. - Yeah. - But, yes, so they'll do that. As far as, did you ask about after the show? - No, I was wondering, like, during the show. - Okay. - Obviously, now I'm like, what are you talking about after the show? - I know. - I wanna know that, too, but, like, when you're filming, like, is there any, like, Cigar granola bar? Like, no granola bars, no toilet paper. I will say, like, the cameraman, like, you don't even see them eating, you know? 'Cause, like, that would be actually cruel if you're starving, and you look over, and you see, like, a cameraman with a big sandwich, right? - Yeah. - With a big, there's, like, eating Jersey mice. - Exactly. - That's so good. - Well, the thing, though, is that you do get the opportunity to get rewards, and as the season goes on, the rewards will get, like, bigger and better. So, the first food reward on my first season was, like, a platter of fruit, which, like, you know, this is whatever it's for. - Yeah. - But you're so hungry, you're, like, I'll eat anything. - Yeah. - As the season goes on, we had the opportunity to get, like, I think a steak dinner was the last one. We had tacos, there were people who got burgers, grilled cheese sandwich. - Oh my gosh. - The food is, like, I mean, if you're in New York, like, you're probably having better food here. But when you're not eating, like, eating-- - No, it probably sounds amazing. I mean, even when I'm hungry, and then I eat, it's like, I could eat anything, and be so excited. So, if I was on Survivor, I think it would be more intense. - Yes, for sure. - Oh, and then also, my other question, and real hats, obviously, want to know, where is your amazing big sweater from? - Oh my god. Okay, so I thrifted that. So, most of the clothes that you see me on the show with, like, they're things that were already in my closet. They told me, like, I was gonna be basically on the red drive. And so, bring clothes that are red, or orange, or brown. So, I didn't really do a ton of shopping, but that sweater. I was looking for something that could keep me warm, but also something that would be, you know, reflective of my personality. - Yeah. - I wanted to wear something that I was proud to wear, and I think a lot of times, you know, we can tell a lot about a person by-- - Yeah, by what they present themselves. - Oh, 100%. - Yeah, and so I thought, like, okay, well, this sweater's, it's kind of bold, it's fun, it's kind of oversized, which shows that, like, you know, it can be a little casual, like, that's the vibe I want to get. - Yeah, okay, love that. - I still have it, too. - Oh my god. I mean, we could auction that off. - Probably. - For sure. - I know. - Okay, and then the last thing that I wanted to tell you was that I actually was the man from Cameo. - I love that. - I brought my bikini today, so I'll give you a live cameo on the bag after this. - Lowkey, big cement head. Just trying to get all those cameos. Okay, Sippers, thank you so much for listening or watching to another episode of Financial Tea. We are back every Thursday. Make sure that you rate and subscribe. It really helps the show. And also, if you have not gotten your copy of Future Rich Person yet, it's my book. It comes out May 12th. And when you pre-order, I've been telling you guys, you get $700 worth of financial freebies that will help you become that Future Rich Person. So if you really wanna maximize your investment in yourself, you wanna make 2026 the year that you get your finances in order, this is the step that you need to take. And if you like the show, you're gonna be obsessed with my book. 'Cause it's just like me, but I'm just some teaching you all about how to grow wealth, especially in this crazy economic period of 2026. Okay, Sam Altman is calling me, so I have to go. But say rich. (laughs) (upbeat music)
Podcast Summary
Key Points:
Factor meals offer chef-crafted, dietitian-designed, ready-to-eat meals that support healthy eating without prep or cleanup, with 97% of users reporting improved well-being.
Monarch is an AI-powered financial tool that provides full spending visibility, goal setting, and real-time financial insights, acting like a personal financial advisor in your pocket.
The S&P 500 is increasingly driven by the "Magnificent Seven" tech stocks, creating a market illusion of health despite consumer inflation and stagnant wages.
Collective negotiation power, as demonstrated by the *Friends* cast, can lead to massive long-term earnings—such as $20 million per year from residuals—showing that group leverage is a key financial advantage.
Spirit Airlines’ shutdown highlights how reduced competition leads to higher prices and job losses, emphasizing that competition is essential to controlling living costs.
Higher earners are more likely to feel broke due to rising fixed costs like housing and childcare, illustrating that wealth depends on savings, not just income.
A reality TV win like Survivor offers a large payout, but tax burdens and financial mismanagement can leave winners with significantly less—highlighting the need for financial planning.
Financial mindfulness, such as avoiding impulse spending and investing wisely, is critical to long-term security, especially when sudden wealth leads to spending or debt.
Summary:
The transcript explores financial habits, tools, and real-world insights through personal experiences and market observations. It highlights how products like Factor meals and Monarch support healthier lifestyles and financial clarity, respectively. A key theme is the growing disconnect between market performance and everyday financial struggles, especially as tech stocks dominate the S&P 500 while wages remain stagnant.
The *Friends* cast example shows that collective negotiation leads to massive, long-term financial rewards, proving that leverage is more powerful than individual effort. Spirit Airlines’ closure demonstrates how reduced competition drives up prices and harms consumers, underscoring the value of market competition. Another critical insight is that high-income earners often feel more financially strained due to rising fixed costs, not income levels—proving that wealth is measured by savings, not earnings.
The Survivor winnings story reveals how sudden wealth can be undermined by poor financial planning, taxes, and impulse spending. The takeaway is that financial stability requires discipline, mindfulness, and long-term strategies—like investing, avoiding impulse buys, and leveraging collective power in negotiations. Ultimately, the conversation emphasizes that true financial health stems from intentional habits, not just income or luck.
FAQs
Factor meals are chef-crafted, dietitian-designed, ready-to-eat meals that require no prep or cleanup. They help people eat healthy, balanced meals without sacrificing convenience, making it easier to maintain a nutritious diet even on busy days.
Using the code Mrs Dow Jones 50 off, users get 50% off their meals and one free breakfast item per box for one year. The offer is available until 1031/2026.
Monarch is an AI-powered financial tool that helps users track spending, identify trends, set financial goals, and plan big purchases. It offers full visibility into finances and acts like having a personal financial advisor in your pocket.
The first year of Monarch core is 50% off, costing just $50. Users can access this deal by visiting Monarch.com and entering the code trading.
According to Goldman Sachs, higher earners face more fixed costs like private school tuition, mortgages, and childcare, which turn into necessities. This causes their savings rate to drop, even if their income increases.
A Survivor winner receives a $1 million prize, but after taxes, the winner typically retains around $620,000. The exact amount varies by location, as winners from Canada do not pay U.S. taxes.
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