Transcript 0:00 You save, you invest, you keep an eye on spending. So why do your finances still feel so complicated? Quicken helps you put the whole picture together and make sense of what to do next. 0:10 Connect accounts from more than 14,000 financial institutions and see how all the different pieces of your financial life fit together. With Quicken, you can make sense of your options and decide what to do next. 0:21 Quicken, know what to do next. See how at quicken.com. [upbeat music] Wheelhouse DNA. Hi, everyone, my name is Boye Kolade. And I'm Chris Sawtelle. 0:37 And welcome to the Future Forecast, a podcast where we explore the intersection between business, technology, and entertainment. Today, we're looking ahead. 0:45 We're gonna talk about Tarte's influencer marketing, how Karat Financial is aiming to make payment around content creators more transparent, and New Balance's new representation. But first, let's catch up. 0:57 Let's do it, baby. Can I just... I'm gonna start this one a little hot. Okay. And I'm just gonna, I'm just gonna do it. 1:03 I'm having a really, as, as someone that so deeply enjoys being on the Tok and on IG and consuming all the things- Yeah... I'm having a really hard time not comparing myself to others. Mm. 1:17 And, like, I mean, I guess it's like everyone listening is like, "Chris, now? Like, now? 1:21 Now you finally are, are realizing that you're subconsciously, like, comparing yourself to everyone else and what everyone else is doing?" Yeah. But it's that constant feeling of not doing enough. Mm-hmm. 1:32 It's almost like when you're w- at work. Yeah. "Ah, I'm not, I didn't work hard enough. I need to work more. Uh, I'm, I'm struggling to make more money, do this, do that." 1:41 I'm having a, such a hard time, like, I'm really going through it- Yeah... to fill that void. I would agree with that sentiment to an extent in that it is very easy to compare yourself with other people. Oh, yeah. 1:57 It's funny 'cause last week we were talking about social media for young kids, et cetera, et cetera, and if people like yourself, myself, probably all of our friends are struggling with a similar thing, how much more young people who aren't as, you know, developed when it comes to understanding a little bit about the world. 2:16 But yeah, it's, if you're constantly seeing people's success, I think it can subconsciously cause you to say, "Well, what about myself?" 2:28 Is the issue how we as a society look at success or celebrate success specifically here in the US, or is it actually s- social media feeding things to us so constantly? 2:43 Because when I look at, when I look at me as a kid in high school or, or in elementary school or college, you're, you're thrown 2:53 day in, day out, you know, out into the schoolyard, and you're comparing yourself with all those people at the yard. Oh, yeah. Social media's basically a vessel. 3:01 It's a tool, and I think the internet compounds the human condition, in my opinion. And so you bring up a good point. 3:10 It is likely our society and how we behave, it's just exponential because it's in our face every single moment of every single day. Yeah. For me, it manifests itself in analysis paralysis. Yes. So, so for me- Ah... 3:26 I actually think way too much about what I'm about to post, whi- which I'm sure so many people do, but it's funny because lately, as people have been seeing the clips of the pods, people have been coming up to me and being like, "Love the clips. 3:40 Love how you're posting," like, "I need to post more." And I'm like, "Bro," like, "trust me, uh, I don't have it figured out," you know what I mean? How sad is it, I, I'm sure you... 3:49 How sad is it that it's so much easier to not post? The, at, at that point in the, in the decision paralysis, it's like, "Ah, this is too much, I can't do it," just to not do it. Yeah. How sad is that? 4:03 I l- I, I definitely fall into the algorithm of like, "Just do it. Just get it over with. Just put it out there-" Yeah... "and let, and take the ridicule. Who gives an F what anyone else says?" Yeah. 4:13 "Just put it out there, and what, if anyone else wants to say something, well, you know what? I did it, and you're too busy focusing on me and talking shit." 4:22 I, you know, I think what helps, what's, what's been helping and what I've been seeing, you just have to accept people will talk about you. It's, it's a fact. 4:32 N- no matter what, you put yourself out there, people will talk about you, whether it's positive or negative, and you have to be confident that even in the negative, honestly, y- everyone's gossiped about someone. 4:45 You don't necessarily hate that person, it's just, it's their insecurities coming out. How shitty is it that it's also sometimes, I mean, it's just kind of f- I think people relate by way of gossip. Mm. 4:57 Meaning that some, I think in today's s- society, one, it's fun to talk, but two, gossip is a way to relate, which I thi- is, is, is really gonna be pressing for our first topic. Yes. Yes. I'm glad you brought that up. 5:13 [sighs] So let's talk about Tarte. 5:18 Every year, the beauty brand Tarte takes a group of influencers on a huge trip as part of a promotional campaign, and this year, 30 content creators and their plus ones were flown on a private jet to Bora Bora in French Polynesia, but it's getting backlash, and it's very similar to what we were just talking about. 5:39 So I'm stoked to, to dive in, because Tarte does these trips every year and, and funnily [laughs] enough, th- they get ba- backlash almost every year. 5:47 Like, one year it was the, the Black creators are being mistreated, like Alex Earl was in, like, a better- Oh, yeah... better suite and, uh, you know, s- they were in Dubai and it was really lavish. And so- 6:01 This is something that is spot on to what we were talking about regarding the perception of people who are posting content, because they are getting backlash, and one of the key central themes here is, is that backlash warranted, or are they just jealous? 6:14 As we talk about this topic, I think it's really helping me ground myself and be reminded we have a decision to make. You can approach with emotion or approach with, for a lack of a better term, str- strategic thought. 6:32 And at the end of the day, this is a business. Decisions aren't made out of emotion. They're made to, hopefully, if done right, make more money, or properly actually bring finance to the table. And so, 6:48 God, even this conversation helps me be reminded, like, stop being a little baby, Chris. Stop focusing on what everyone else is doing. Put your head down. Do the work. 7:00 Ignore everything else, and just see if everyone else watches you. [laughs] I'm ki- I'm kidding. I'm kidding, I'm kidding. [laughs] Well, the fu- the funny thing is, a- and I- I feel like you've internalized, 7:12 you've approached it very maturely. However, Tarte has millions of people watching them, and it's important to understand why this trip is actually annoying consumers. Yeah. So again, they do it every year. 7:30 In particular, this trip, there's a ton of wealth on display. Influencers are staying in over-water bungalows that are filled with gifts like luggage, clothing, beauty products. It's being posted all over social media. 7:47 There is a disconnect between Tarte's consumers and the creators going in that they feel it's inaccessible to them. 7:59 These creators can already afford these trips, and so why, as a consumer, am I happy that these creators are doing something that I can't afford? So there, there's, there's like a classist nature to things going on. 8:13 There's also the idea that is this actually genuine? W- would they buy these products on their own? Because they are getting all of these things gifted to them. Yeah. 8:27 If I can jump in on that, I'm sure that's plenty of people's viewpoint, and it's good to know that there's a bit of that backlash happening. 8:34 I think what's, what's not fair is who's to say that these people can or cannot afford this type of trip? Meaning, you look at the Bora Bora trip all inclusively looks like 10 to $20,000. 8:49 You're thinking about business class flights, all of the accoutrement that you get out of it, what they're including, these phenomenal villas. 8:57 I'm not saying that we should go through the list of who's in attendance, but I can assure you if anyone's just throwing down $20,000 to go on a trip for a weekend or, you know, five days, 9:08 I don't think a lot of those talent are just deciding to do that. They're doing it because it's a good business opportunity. And also, I mean, who wouldn't wanna go do that type of trip, right? Like, 9:20 if you're being able to have that, a once in a lifetime experience, and for your business, if your business is social currency and showing people cool, interesting things that you don't typically get to do, 9:35 why wouldn't you go seize the moment, especially if that is your business, to go do it? Yeah. And then to receive the backlash, I mean, I think Tarte wins regardless because- All press is good press, baby. Exactly. Also, 9:48 we don't talk enough about in this world, if you wanna hate on something, I realize more and more now, we still win if you're the one b- doing the creation because you tried. So question for you, 10:02 because it seems you're on the side of thinking this was a good move. Maureen Kelly, she is the chief exec and founder of Tarte, 10:13 she says that they found the investment in these relationships, these trips, is more valuable in the long term than spending millions of dollars on one-off media campaigns, like 70 million on a commercial. 10:28 So my question for you is, do you think this is a good marketing strategy, period? Are influencer trips a good marketing strategy? I would say 10:40 I think that investment into long-term relationships with talent that happen to have strong voices on social, absolutely. I can't say specifically that trips are the, the win. It's 10:56 creating activations with talent that you see as being long-term partners as the benefit. That's where I see the true value. Yeah. I wouldn't say the plan is, "Let's go to Egypt. Big trip. Let's go, guys." 11:12 It's about leveraging h- premium experiences and allowing the social currency through said experience and the desire for one to share said experience that gets the value. Yeah. 11:27 I mean, I definitely resonate with the all press is good press, right? S- Tarte is doing something right because people are talking about Tarte. Yeah. 11:33 To be honest, I had no idea what Tarte was be- [laughs] before- Yeah... before we were, were looking at this. I do think as you're talking about press and journalists, it is a tough world to be a brand, to be a business. 11:46 Bud Light had to deal with their own controversies last year, and that was very tough for them. Consumers are having a hard time separating 11:55 the viewpoint, the people behind those products, and the actual value of those products. Whether it's Tarte or Bud Light or Nike sneakers, there is a fundamental- 12:08 I don't know if issue's the right word, a fundamental essence of people wanting to know the values behind the people making their products. 12:16 [chair squeaking] So still on the creator talent vein, we're gonna talk about Karat Financial. So Karat Financial is a startup. 12:27 They've been in the influencer ecosystem, fintech ecosystem, which h- has its ups and its downs. 12:35 Well, Karat Financial has launched a free tool that allows content creators to compare earnings and see industry averages of pay between different creators and influencers. Really unique. 12:48 Karat was founded in 2019 by Eric Wei and Will Kim. The intention was t- to support influencers and creators as a business. This seems like they're doing that. Curious, your thoughts. 12:59 I don't know how many creators actually want to opt in, I mean, 13:03 to this free tool, meaning I could see micro-influencers absolutely that, that don't have representation that wanna jump in and see this as a support system for them, absolutely. Yep. 13:16 Uh, but, but if you're a MrBeast or if you're, if you... Unless you have equity in, in, in this type of business or, and you wanna see the success, you're giving a lot more than you're getting back. 13:30 I don't think in today's day and age, not everyone is, is as transparent or, or open about that. That's- So what-... it's a scary thing... so what's interesting though is this is anonymous. Is it? So, yeah. 13:42 So, so you're not gonna see, like, "Hey, I'm..." Like, let's say both you and I had millions of followers and I opted into this system, which by the way you have to have a, a credit card to, to even be part of- Right. 13:55 You have to have a Karat Card to actually do it... Yeah, which is their flagship product. If I were to, to do that, it wouldn't show my name, unless of course they got hacked. Right. 14:05 But you bring up a point which we've talked about in the past, which is if I'm a creator, I might be de-incentivizing myself to still give all of this information. It might be harder to do deals, right? Yeah. 14:17 It, it, it's also why it's interesting that we haven't seen the creator c- economy unionize. It's something that's been brought up multiple times in the past. 14:29 Hank Green, the godfather of the internet I like to say, very much ran a good fight and, and, and had that conversation, uh, a while back. 14:38 SAG has very much been trying to loop in the creator economy, but really more for their own benefit if we're being honest. I've talked about that in the past, where it's really more for them to 14:50 make sure that, that the, that the finances from those deals are, are being poured into the pot, so to speak- Yeah... for lack of a better term. 14:59 So it doesn't really feel advantageous for the creators who very much are mom and pop shop businesses doing very well for themselves to... It's hard. It's like why am I gonna give over this information? 15:10 I'm doing well or I'm, I'm building it on my own. Sometimes it's, it doesn't make sense to unionize. 15:15 It's not, you're not part, you're, you yourself are the one building your business, and you're kind of on your own little island, that it's hard to justify. It's not like you're all artists together. 15:25 It's, it's creating a sameness, right? Yes. So the, there's a class system to cr- the creator economy. Yeah. So the, to your point, the micro creators probably love this because they can negotiate up. Right. 15:38 But the mega creators are, are, might be afraid of this because they're gonna get negotiated down. That's exactly right. It's very apples and oranges. 15:46 It's not like if you're a content creator, it's not like you're an actor waiting in line to audition for something. You very much are, you've, you've built this distribution platform. 15:58 You are creating and distributing on your own, and you're not, you're not waiting in line to receive a job. You are the one creating the job and monetizing the job. You, you are your own entrepreneur. 16:13 You are your own business owner. And so I think what's hard about that is the workforce or like unions have always been obviously pro-worker. It's supporting the, the employed man, right? Not the entrepreneur. 16:25 Not the entrepreneur, and so it's so rever- like it's- Interesting... such a interesting mind F. That's why I don't think that they'll ever unionize because- But unions support like contractors, right? 16:37 'Cause film sets aren't salaried necessarily. They're like drop here, drop there. Right. But all of those individuals are all... Look at IATSE, like all, they're all independent contractors. 16:47 Actors are independent contractors, right? Mm-hmm. But as an actor, for the most part, unless you are doing a one-man show and a producer of your one-man show or, or, or you're the producer- You're an employee. 17:01 You're hired... you're an employee. You're literally waiting in line, auditioning for a job, waiting to get said job, and being employed by a studio or, or an independent production to do said job, right? 17:15 Sa- no difference than being a, a, a DP or a director, unless you're in that producer role who is specifically helping galvanize the money and, and, you know, greenlight the project. 17:29 So you're saying this would, a unionization of creators would be akin to a group of startup entrepreneurs being like, "We need to unionize"? Yeah. Well, because also what is the benefit of, of, of unionization, right? 17:45 SAG, WGA, DGA, all these unions, it's about getting better benefits, setting, uh, minimum, uh, fee guarantees, et cetera. 17:56 Well, most creators that already have their own businesses, I can name, you know, countless who have, you know, 10 people on payroll, they're doing their own insurance. They've already covered all of these. 18:07 They, they as an individual could benefit from, from getting healthcare, great. But it's not being extended- Yeah... 18:13 to the other people that they're already covering, so it's like, "Okay, well, I already have health insurance. What am I doing here? I, I don't need to go tap into SAG." Yeah. 18:21 Well, whether or not this is the beginning of something like that, the numbers are interesting. I wanna share them with you. 18:26 Don't come after me, SAG, I'm just pointing out the, you know, the, the issues that, or the hurdles that are in the way. [laughs] Um, so where's this data coming from? 18:38 Apparently, thousands of creators have previously linked their bank accounts to Carrot for their services in tax prep and bookkeeping, giving them a bunch of data to work with. 18:48 Here's some that I found really interesting. So the median ad revenue from YouTube is $90,025. The median total income on Twitch is $542,208, and the median income from TikTok Creator Fund is $473. 19:07 Now, they don't have all of the creators in the world to have, you know- Yeah... the stat is probably skewed, but that Twitch number's jumping out at me. I'm like, "Dang, they're paying Twitch people bank." 19:20 Well, I [clears throat] in that data, though, the question, I, I, I would, I, what I would point out is- How many people- How many people is that?... on Twitch, yeah. 19:28 Also, it's a matter of, like, I think what's hard is it also could be skewed by way of who's on the Carrot platform. That is something that needs to be taken into account. True. Right? 19:36 So this data could actually truly indicate that Carrot just has onboarded, they tapped into a heavy set of Twitch streamers, and so that's why that number is that number. 19:48 'Cause also, let's remember that Twitch received a significant amount of backlash because they were taking high premiums on their ad revenue. 19:56 Now, in comparison, YouTube does not, but ironically enough, you're s- we're seeing a median that's 90,000. Yeah. You know, how many ad breaks are going into that? What do those videos and views look like? 20:06 I mean, Twitch, I, I, I'm very curious. The, the only number that does not stick out to me, that I'm not surprised by, is the TikTok Creator Fund because- Yeah... let's be real, we all know TikTok doesn't pay. 20:16 Yeah, and Universal's dealing with that right now, too, but yeah, all, all interesting things. I'm, I'm excited to see how this, how this all pans out. [electronic tones] You've got big plans for your money. 20:32 You invest, you track, you plan ahead. But does your financial app actually help you decide what to do next? Quicken helps you go beyond balances and basic reports. 20:42 Project your cashflow, dig into your investments, and use Quicken AI to understand what matters across your finances. With Quicken, you can make sense of your options and decide what to do next. Quicken. 20:53 Know what to do next. See how at quicken.com. [electronic tones] We should talk about our third and final topic, which I'm really stoked to talk about. New Balance, the shoe company, signs with CAA. What? They do. 21:11 I saw that. [laughs] I saw that. Oh, man. What do you think? I'll be curious to know what this deal actually looks like. Uh, are they representing them? Are they, are they receiving a retainer? 21:20 Because if I'm New Balance, you pr- you could be paying, you know, a $40,000-type retainer to have CAA at your beck and call to, to be building you out and having the support and help in building into the TV, film, and gaming space. 21:37 You know, they, they give a blanketed overall CAA is now representing New Balance. Yeah. But what does that actually mean? Yeah. 21:44 Usually, when a brand is represented by a agency, like a CAA, UTA, WME, it's really 'cause your, your hope and goal is, "Okay, I wanna, I wanna make sure that my, my product is being planted in television shows, movies, uh, is being gifted to top-tier potential talent." 22:06 What's interesting about this deal that jumped out at me is the gaming- Yeah... portion of it. A, I'm wondering why New B- Balance can't do gaming deals on their own, but B, 22:18 the highlight of gaming in and of itself, I feel, is very powerful, to think that one of the big reasons for this deal is New Balance entering the gaming sphere. 22:30 M- my assumption is that it's cost-effective, meaning, again, I don't, I don't know where New Balance sits. I m- I agree with you, like, they've done such a phenomenal job for marketing already. 22:43 They've really already cornered the market. Can I give a quote real quick? Yeah, please. So the New Balance VP of Global Marketing, his name is Jeff Adams, this is a quote from him. 22:52 He says, "We view gaming as a natural extension of New Balance's role in sport and culture. 22:58 Our customers and ambassadors are incredibly passionate about gaming, and our focus with CAA will be to celebrate and amplify that passion." 23:07 So all I hear is, "We already, we already cornered the market with a bunch of women. 23:12 We now wanna make sure that instead of competing with Nike and Adidas to be with the Messis and Cristiano Ronaldos of the world, we wanna continue to focus on being a, a cool culture lifestyle brand." 23:25 Which not that Nike and Adidas aren't, more me just saying that I think New Balance is always... I don't wear New Balance because I go, "Oh, man," like, "I'm gonna run fast in these shoes." 23:36 Yeah, but you bring up a good point because traditionally, at least from my POV, New Balance were seen as dad shoes. Yes. Right? And A, the dad, the dad bods and being a dad, that's, like, cool now. Mm-hmm. 23:50 But there's a chink in Adidas armor- Yes... because for a while, Adidas was actually more powerful culturally, in my opinion, than Nike. Yeah. 23:59 With the fallout of Kanye, there's a big chink, and I've been seeing New Balance pull some really smart cultural moves. They did the deal with Jack Harlow. They produced the movie with Jack. Mm-hmm. Right? 24:10 The remake of White Men Can't Jump. They did the deal with Hailey Bieber. One of their biggest designers, I actually think is going to be the next Virgil Abloh, his name is Salehe Bembury. 24:20 He has designs with Crocs, he has designs with New Balance, crushing it. 24:25 So it feels like, to your point, this is maybe way forward thinking than Adidas and Nike are even thinking about to say, "Hey, we're gonna go for the Roblox, the Fortnite audience, the next generation- Yeah... 24:36 of people." In my opinion, this is a, I, I feel a very profound play from a fashion brand. 24:43 I feel if New Balance continues to, to partner, collaborate with other cultural people who are doing creative things and things that I like, that will, they will continue to win me. 24:54 But what I think is, is really interesting here is that fashion is having a moment in entertainment. So LVMH recently- Oh, yeah... they recently launched, uh, an entertainment division. 25:05 Uh, I believe it's called 22 Montaigne or something like that. And in, in an effort to collaborate with entertainment creators, distributors on film, TV, and audio projects, 25:16 and obviously we know Kering, uh, which, uh, Pinault owns, who's married to Salma Hayek, bought CAA. This collision of the fashion apparel industry and culture. Uh, 25:32 may, may I just say, are, are you saying that this is the clashing of e-commerce and entertainment? [laughs] Boy, are, are, are you saying- [laughs]... that my hot take is coming true? 25:49 [laughs] Wow. Put it on the board, guys. Oh, yeah. Is that what we're saying? By the way, did your chalkboard come? Uh, it hasn't come yet, but I did order it. I, uh, I made sure of it, so it, it'll be up there. Yeah. 26:03 And I think Chris will have three? Three wins? Yeah. Maybe four. Yeah. By the way, by the way, guys, guys, I'm gonna pat myself on back, on, on the back one more t- one more go. Crypto is at an all-time high. 26:15 [laughs] An all-time high. Keep going up, baby. [laughs] Woo! I love it. Uh, we should segue into hot takes, actually. [radio screeching] Wait, wait, what time? What time is it? It's- Hot Take Time. 26:31 [air horn blasting] Hot Take Time. [imitates air horn] All right, Hot Take Time each week we make a prediction about something in culture that we think's gonna come true. Last week you went first. 26:42 I'll go first this time. I'm gonna piggyback off of the, uh, fashion conversation we just had. And we've kind of talked about this before, but in the vein of Kering, which owns, like, Gucci and Balenciaga- Mm-hmm... 26:56 acquiring CAA. In the vein of CAA doing this deal with New Balance, looking at LVMH, LVMH is one of the most powerful companies in the world with tons of companies and brands. 27:11 Bernard, um, Arnault, I believe that's how you pronounce his last name, is one of the wealthiest people in the world. I wouldn't be surprised, what's likely to happen is LVMH will buy WME, Wasserman, or UTA. There it is. 27:25 There it is. Is there one that you think is favored? Wasserman and UTA don't have, like, a publicly massive funding group like WME. I mean, obviously WME is public, but they've talked about going private. 27:40 And I mean, all of them have huge talent. Yeah. Wasserman is interesting because they have the sports and the music, which arguably might work better with- And Brillstein now. They just bought Brillstein. Yeah, yeah. 27:55 So Wasserman or U- or UTA probably. Cool. Yeah. Uh, well then it's only apropos for me to similarly take on a topic that we've touched on today. 28:06 In the essence of branded activations, in an effort to continue the conversation around controversy 28:13 with activations like a Tarte, Coachella's coming up, and I think where I sit as I'm looking at the lineup and as I look at the past with the re- activations like Revolve, Coachella, 28:30 though I love in spirit, is becoming... 28:34 It has already become so mainstream and it's become so oversaturated both by the branded integrations that surround it, but also by way of how inundated it has already become by way of people attending. 28:49 I foresee there being quite a bit of backlash coming out of this year's Coachella. 28:54 I think that there will be a lot of criticism coming out of it, and, and one where we, we could very well see a branded activation fail to a meteoric level. 29:07 Very much in the same way in which we saw Revolve happen, I could see that happening tenfold this year. I don't want that to happen by any means- Yeah... 29:16 but I, I, I think we're, we're close to a controversy of that, that level, whether it be... Maybe it's not even Coachella. 29:22 Maybe I get it so wrong and it'll be at, like, I don't know, what's the next one coming up after it, but- Yeah, I think to what you're saying, it may not even need to get to the point of a big activation going rogue. 29:36 I feel like you're speaking to an overall sentiment of what this festival represents and the people- Yes... 29:43 who go there represent in the same way that you have Tarte, right, which you have their fans and their consumers questioning their desire to like a product or even care about the environment that they're in. 30:00 That's a really interesting way of looking at it. Like, maybe we end on this. We talk about Tarte and the criticisms that come to a brand by way of the outside parties looking at it. 30:13 But when do the values of the individuals attending the brand's activation- Become the actual issue. Woodstock '99, 30:24 people were not attending Woodstock '99, one could argue, because of the effort or the feeling of the actual sentiment of what Woodstock sought out to be. 30:33 People were looking to get fucked up and to be ragged and crazy and angsty, and it boiled over 30:41 in a full-on mudslide, crazy harangue goo that had people being trampled, fire, and, and the festival falling apart and never coming to life again. Yeah. Something to think about. 30:55 By the way, I wanna use that word harangue goo from now on. I love it. Uh, well, well, thanks everyone for, for tuning in. Uh, this is Future Forecast brought to you by Boye and Chris, Chris and Boye. 31:07 We're here every week talking about trends and culture. Find us wherever you find podcasts. Peace. The Future Forecast is produced by Wheelhouse DNA for Acast. 31:18 Our executive producers are me, Boye Kolade, along with Fanny Baudry, Cassie Berman, and Leah Sutherland. Our audio producer is Kiara Noni. Our audio engineer is Matthew Blocka. Our editor is Nick Kursumi. 31:32 The podcast is hosted by yours truly, Boye Kolade, and Chris Sawtelle. Thanks for listening, and see you next time. You've got big plans for your money. You invest, you track, you plan ahead. 31:47 But does your financial app actually help you decide what to do next? Quicken helps you go beyond balances and basic reports. 31:55 Project your cash flow, dig into your investments, and use Quicken AI to understand what matters across your finances. With Quicken, you can make sense of your options and decide what to do next. 32:06 Quicken, know what to do next. See how at quicken.com. This show is brought to you by The Future Party and Crossix Studios, produced by Chris Sawtelle, Boye Kolade, and Paul York. 32:18 Special shout-out to our production team, Araceli Rubalcava, Max Goolen, Shannon Klein, and Eli Difior.
