042_2026_04_07_Mailbag 1_Audio

Apr 01, 2026 11:49 · 20:01 · English · Whisper Turbo · 3 Puheenvuorot
Tämä raportti päättyy tänään. Päivitys pysyvään säilytykseen →
Luennon hakemisto
Näyttää vain
0:00
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Resale value isn't about what you're going to sell it for tomorrow if you're holding on to it for 20 or 30 years.
0:07
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Yeah, if you're holding on to it.
0:08
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
But there is a limit, right, in most neighborhoods.
0:11
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
I mean, the Boston example.
0:14
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
But you can overbuild for your neighborhood.
0:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yes, you can.
0:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yes, you can.
0:18
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
You know, if you live in an Ohio suburb, for example, you certainly can overbuild and price yourself out of the neighborhood and you would never get it back.
0:29
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
However, it just depends how you want to spend your money, because if you are staying there, if you're and and we could use Taylor in this conversation about aging in place.
0:40
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
If you are if you're renovating this house to live there forever and age in place and it is your last home, then do you really care?
0:49
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right.
0:50
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right.
0:50
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Like you want what you want for the end, the last third of your life.
0:56
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
And maybe it doesn't matter.
0:57
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
So there are just so many things that come into this stage of life where you want to be, where you want your kids to be, if you have kids, school systems.
1:10
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Gosh, there's just so much that goes into location, location, location.
1:15
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And that's the thing that can't change.
1:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
It doesn't matter how awesome your house is if it's in a location that you don't like or it's in a location that doesn't support the lifestyle you want with the schools that you want or being close to your friends or or, you know, the cool downtown area that you want to be close to or not because you want to be in the burbs or whatever.
1:35
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Whatever your preferred lifestyle is, you have to choose the location based on that.
1:40
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And then the house comes after that generally.
1:44
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
But, you know, I think what I also want to say here is that this person is asking about financially.
1:51
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I'm not sure what makes sense.
1:53
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And, you know, we are talking about financial things here.
1:55
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
As architects, we are not financial planners.
1:58
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We're not advisors in that way.
2:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
But we see a lot behind the scenes about how projects get financed, how people pay for projects, how people make these difficult financial decisions.
2:14
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And I think that so when I'm talking to my clients about that, that's kind of what I say.
2:18
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Well, look, I'm not I'm not your financial planner.
2:21
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I'm not your money person who knows all the ins and outs of your finances.
2:26
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
But what I can say are these are the advantages and the disadvantages or these that I see from my seat or this is what I've seen other homeowners do and the decisions that they've made.
2:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
But ultimately, I think there's also something kind of controversial tied up in this, which is that people see their home, which is a personal thing, as a financial investment.
2:51
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And so you have the you will always have this tension between and this person is saying it emotionally.
2:57
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We want to stay.
2:58
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah, but financially, we don't know.
3:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And so it's very hard when you look at your primary residence as an investment vehicle.
3:07
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Then you're taking something super emotional, your primary residence, and you're turning it into something that should be strictly data driven.
3:15
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Your financial health and your financial picture, your investments.
3:19
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And I think that that tension is really hard to resolve.
3:26
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And I think understanding what that means as a couple or a family as you're trying to make those decisions.
3:34
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah.
3:34
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And you have to look at it in your overall picture.
3:37
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Mm hmm.
3:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
But if your home is, if you're seeing it as strictly a financial investment, I think you're missing out on what the purpose of a home is.
3:47
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Mm hmm.
3:48
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And at the same time, if you just make emotional decisions, you could get into trouble financially.
3:54
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So I think you have to look at both things.
3:56
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And the answer will not be the same for everyone.
3:59
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah.
4:00
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Which brings me back to what we always say, which is bring us in early and we'll talk you through it.
4:05
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We don't care.
4:06
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right.
4:07
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Like.
4:08
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right.
4:08
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I don't mean we don't care.
4:09
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Like, who cares?
4:10
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
What I mean is we're not attached to one solution or another.
4:15
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
What we want is to help you find what works best for you.
4:19
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah.
4:20
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
That's what I mean.
4:20
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
And I think there can be a process to it.
4:22
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
And I think that if you talk to the right professional, they can walk you through that process.
4:27
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right.
4:27
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Like, what is your budget?
4:30
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Do you have have you figured all of the numbers out?
4:33
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Like, if you want to know what makes sense financially, you need to know your financials.
4:37
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
So what would your budget be for renovation or addition?
4:41
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
What would your budget be for a brand new house?
4:44
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Because you may say, I have $500,000 to renovate this house because I have equity in it and we can do this and that.
4:54
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
But it may be a different financial picture to build a new house because of equity.
5:00
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
hoodie and what the neighborhood can hold and what you could sell it for versus holding it.
5:04
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
There's just so you need to know your own budget. Yes. Before we can help you, probably for both
5:11
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
instances. And then you need to find out what's possible, what's possible for your home, for your
5:19
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
actual home, not necessarily designing the whole thing, but what are the setbacks? What are the
5:23
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
rules? What's your HOA say? Zoning, everything. And if you want to build new, is there land available
5:31
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
where you want to be? If you have kids in certain school district, there may not be land available.
5:36
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
We have that problem around here. There's not enough developed land for people that want to
5:41
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
do custom homes. So there is a process that you can move through. We have no idea to tell this person
5:50
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
that there's no clear cut. It's always better to build new. Don't renovate. I would never say that.
5:58
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
It all depends, obviously. It all depends. And I think that's why having someone to usher you
6:06
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
through those conversations. And in this situation, it's going to be several people. It's going to be
6:11
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
sitting down with your financial planner, whoever, your advisor, if you have that person. And if you
6:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
don't, maybe it's a good opportunity to, you know, maybe if you have an accountant, maybe they can
6:22
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
recommend someone or, you know, have those conversations with someone who's looking at
6:28
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
your unique situation. So you can Google this and ask AI all you want, but those methods are not
6:36
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
going to give you specific information to your specific situation, or at least as specific as a
6:41
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
person who's, who's kind of thinking through it with you. So I think as usual, it's about having
6:47
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
those conversations with someone who can actually tell you things. And some of the things that you
6:52
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
just brought up, like zoning or, you know, what's possible on your lot or is there land available
6:57
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
can mean that you can cross things off the list right away. And you can say, well, actually,
7:04
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
according to our goals and according to the reality of the situation, we actually can't renovate this
7:11
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
house because of a bunch of zoning rules or we're in a historic district. And so we couldn't do what
7:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we wanted to do anyway, or whatever the case may be. Isn't it great to find out for a small
7:23
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
investment up front? It's just not an option on the table. Right. It actually is a black and white
7:29
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
answer. Sometimes get to know faster. Yes. Get to know fast. Yeah. Okay. You want to do one last
7:39
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
question? Yeah. Let's do one more. Okay. This question is how much contingency do we need?
7:47
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
So more of a kind of nuts and bolts numbers game. We are the kind of people who like to plan
7:54
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
everything. And the idea of surprise costs makes me nervous. Good. That it should make you nervous.
8:01
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Yeah. We're considering a whole house renovation on an older home and everyone keeps telling us to
8:08
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
have a contingency, but no one says the same number. How much extra should we really have set
8:15
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
aside and what kinds of things usually eat into that contingency? Well, I feel like we should start
8:21
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
by defining what contingency is. So this person actually already knows a construction vocab word,
8:30
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
contingency. So I think probably most people understand, but just to define it, it's, I call
8:36
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
it the oh crap money, although I usually use a different word, but we're a family podcast. So
8:42
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
it's the oh crap fund. So when something happens that was unplanned or that is a surprise, you need to
8:51
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
have a bucket of money that you can pull from so that you don't have to stop the project or you don't
8:57
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
have to change the project and delete parts of the project so that you can afford whatever. So
9:02
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that's a contingency. So how much should it be? This is a good question. I mean, I give a specific
9:09
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
number so I can answer this pretty quickly. Go ahead. We do a lot of renovations on really old homes
9:14
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and I say set aside 25 to 30 percent of the construction budget. That's higher than we say on
9:19
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
new builds. But of course, that makes sense. Yeah. So the reason I say that is because on old homes,
9:27
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I've just I've seen it before a million times. You know, we'll start getting into it. We have a we
9:34
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
have a great builder. Obviously, we have a great architect, right? We have a solid, you know, cost
9:40
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
estimate, solid contract. Everybody's on board. Let's go. During demo, we uncover a whole bunch of
9:46
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
things and the wholesale plates rotted out. We have to jack up the house. Well, that's 15 grand or
9:53
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
whatever. Oh, we found, you know, this behind the walls or that behind the walls. The good news is
9:59
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
You know, this is, it's got your whole fast
9:59
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and that's where I'm going.
10:00
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that if you have a contingency set aside,
10:02
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
you can weather those things very easily.
10:07
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
The other part of it is that your need for contingency
10:11
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
goes down over the course of the project.
10:14
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So the scariest moment, the moment of most unknown is demo.
10:20
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
That's when you uncover everything in a renovation.
10:22
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And it's at that point that you should be able to nail down
10:27
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
most of the unknowns because now you can see everything.
10:30
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So that's why we say such a high number
10:32
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because on old homes, there are, I mean,
10:35
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we've had some major scary things that have been uncovered,
10:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
but never a client who had to stop the project
10:43
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
or something like that because everybody planned ahead.
10:47
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Great. It goes into the furniture budget
10:50
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
or it goes back into savings or whatever,
10:52
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
but rather have money left over at the end
10:56
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
than have an issue like a rotted sill plate
11:00
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that's holding up the whole house that you can't replace
11:02
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because you didn't set aside some contingency.
11:04
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Yeah. Ours is much lower, 10 to 15, 15 to 20, I would say.
11:09
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
For a new build, that makes sense.
11:11
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
I do want to say it can depend, it all depends on your bank,
11:17
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
but it can be in your loan.
11:19
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yes.
11:19
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
You do not have to have that pot of money
11:21
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
in your savings account.
11:23
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Like that's, you know, it can be in your loan.
11:26
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
It's just a part of the calculation
11:28
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
of the cost of construction.
11:31
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And sometimes banks will require that.
11:34
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So depending on your financing or whatever,
11:36
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
the banks will either require
11:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that you have X amount of cash
11:40
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
or that you are approved to have a loan
11:43
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that can cover that contingency.
11:46
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
The bank also doesn't want you running out of money.
11:49
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Correct. That is right.
11:51
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So the bank is also very interested
11:53
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
in making sure that you can complete this project
11:57
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
in a way that leaves you financially solvent, right?
12:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah.
12:02
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
The other thing about contingency
12:04
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
is that there are a lot of things
12:06
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
that you can do to lessen your risk of unknowns.
12:12
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
So you should do all of those things.
12:15
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
You should, you know, in my instance,
12:18
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
you know, we always recommend to do soil samples
12:21
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
because sometimes it is literally
12:24
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
just having your builder go out there
12:26
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and dig a hole and look at it.
12:28
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Like, what does it look like?
12:30
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Is it virgin soil?
12:31
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Does it fill up with water in 20 minutes?
12:34
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Like there are things that,
12:36
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
simple things that you can do.
12:37
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Of course you can do geotech testing and all of that,
12:41
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
which we also recommend in certain instances.
12:43
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
But most of our things can be known
12:46
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
except for the ground.
12:49
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
But there are always,
12:51
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
there are still things that come up
12:52
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
during construction that are unforeseen
12:55
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and or errors and omissions,
12:58
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
which we can get into some other time.
13:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Another topic, yep.
13:02
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
There are things that come up
13:05
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
that need to be paid for
13:07
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and it's not fun money.
13:10
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
It's not, oh, the thing that came up is
13:13
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
I want this better tile in my kitchen, right?
13:17
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
We're really talking about a construction contingency.
13:20
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Absolutely.
13:21
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah, it's not,
13:23
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
it could become fun money towards the end.
13:25
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right.
13:26
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
When all of the potential surprises are uncovered
13:32
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and we know that there's nothing else
13:34
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
coming down the pike,
13:35
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
but it is not beginning.
13:37
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
It's not fun money.
13:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah.
13:39
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We have also,
13:41
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I've done this with a couple of clients.
13:43
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Most people are a little too nervous
13:46
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
to do this this way,
13:48
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
but we've done it a couple times
13:49
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
where we will design most of the project
13:54
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and then we get a price.
13:56
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We get a builder on board
13:56
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
so we know where we stand,
13:58
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
but we don't finish the drawings
14:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
until we do demo.
14:03
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Oh, interesting.
14:04
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So we actually, yeah,
14:06
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
so we'll pull a demo permit.
14:07
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
The contractor pulls a demo permit
14:08
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and this is for gut renovations.
14:10
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
This is for when we're gutting the whole house
14:12
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
down to the studs inside and out.
14:15
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So then they'll gut it
14:16
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and then we finish the drawings
14:19
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because then,
14:20
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because the famous line is
14:22
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we can't see through walls
14:23
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we don't know the answer until we demo.
14:26
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Well, demo happens on day one.
14:28
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So we actually say,
14:30
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
well, let's wait to finish the drawings
14:32
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because now if we finish the drawings after demo,
14:36
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we have all the answers.
14:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So we already know that
14:40
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we can't put the toilet there
14:42
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
where we originally thought.
14:43
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So we then will take that time after demo,
14:46
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
map out everything,
14:47
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
make sure everything works
14:48
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and then the drawings reflect actual conditions
14:52
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
instead of our inability to see through walls.
14:56
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So there's a little bit of risk there
14:58
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and that the risk is
15:00
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that you have a demoed house
15:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and we find something crazy,
15:02
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
but that was a risk
15:04
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that was already going to happen.
15:05
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right, exactly.
15:07
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah, yeah.
15:07
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
You're really mitigating a lot of that.
15:09
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah, and I think people get nervous
15:11
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
about doing the demo
15:13
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
before the design is completed.
15:16
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
But you would have an idea.
15:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yeah, we're very far down the road.
15:20
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And then at that point, too,
15:21
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we know the real cost.
15:23
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So then we can pull other cost levers
15:25
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and say, you know what?
15:26
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Because we've done the demo,
15:28
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because we see what we're dealing with,
15:30
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
the project is going to be $75,000 higher
15:33
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
than we originally thought
15:34
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because of all these other issues.
15:36
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Well, now we can mitigate that by saying,
15:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
OK, let's pick the less expensive tile.
15:41
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Let's dial back on finishing the whole basement
15:43
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and just get it basically ready.
15:45
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
You can finish it later.
15:46
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And we can pull that $75,000
15:49
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
back out of other things
15:50
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and it won't feel like a scramble.
15:53
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
It will feel like a clear, calm,
15:57
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
you know, maybe not what we wanted,
15:59
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because we wanted all that stuff.
16:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
But we can do it in a calm manner,
16:05
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
not like in the heat of battle
16:06
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
during construction
16:07
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
while everything's flying around.
16:09
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So we've done that a few times.
16:11
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I recommend it highly
16:13
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
if you've got a good team
16:14
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and if you're up for...
16:16
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
It's a little bit more
16:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
of a nontraditional approach,
16:18
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
but I think it saves money.
16:20
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Interesting.
16:20
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
I like that a lot.
16:21
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
I can see where it lowers that fear, right?
16:28
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
It lowers some of the anxiety
16:30
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and it lowers the disappointment
16:32
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
where if you design it all
16:34
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and you fall in love
16:36
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
with exactly the design that you have
16:39
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and then you open up the walls
16:41
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and you can't do what you wanted,
16:43
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
regardless of how much it costs
16:45
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
with the contingency,
16:46
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
but there's an emotional cost
16:49
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
to that too,
16:50
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
to have to plan on that
16:52
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and then not get exactly
16:54
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
what you were expecting and wanting.
16:56
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
That's right.
16:56
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Another thing about expectations
16:58
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
is expect to spend that money.
17:00
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Don't have a contingency thinking,
17:03
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
we'll only spend it
17:05
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
if there's a mistake
17:07
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
or if there's something that goes wrong.
17:09
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Just plan on spending it.
17:11
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
It's part of the construction cost.
17:13
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
It's probably, you know,
17:14
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
it's going to happen
17:15
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and then if it doesn't, yay,
17:17
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
we can celebrate that
17:18
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
and spend it somewhere else,
17:20
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
but it really should be treated
17:23
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
as a construction cost.
17:24
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I agree.
17:25
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I think having that understanding up front
17:28
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
means that it's the same thing about,
17:31
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
what do they say,
17:32
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
under-promising and over-delivering.
17:35
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So if you say this project's
17:36
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
going to cost 100 grand
17:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and it costs 90,
17:40
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
everyone's thrilled.
17:41
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
If you say it's going to cost 75,
17:42
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and it costs 90,
17:43
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
everyone's upset.
17:45
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So let's just have
17:46
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that contingency in place
17:47
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that gives us
17:48
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that little bit of cushion.
17:48
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We're going to come in under that
17:49
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
as we're going to work
17:51
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
as hard as we can
17:52
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
to come in under that.
17:53
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Yes.
17:53
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
But we also need to fix things
17:55
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
like the sill plate
17:56
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
rotted out under that.
17:58
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
To get back to the question,
17:59
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
how much should we set aside?
18:02
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So, you know,
18:03
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we've heard on new builds,
18:04
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
it can be less
18:05
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because there's fewer unknowns
18:06
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and especially if you do soil testing
18:08
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and stuff like that,
18:09
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
which I fully agree with.
18:11
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And on a renovation,
18:12
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
you want to set aside more
18:14
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
because there's more unknowns
18:15
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and it's older
18:15
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and there's weird things
18:16
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that happen.
18:18
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And then what kinds of things
18:19
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
usually eat into that contingency?
18:21
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
I think, you know,
18:23
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
we've talked through that.
18:24
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
You know, it's the unknowns.
18:26
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
It's usually the unsexy things
18:28
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
like high water table
18:30
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
or, you know,
18:32
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
foundation stuff
18:32
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
or structural things
18:35
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
or things like that
18:37
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that are not super fun.
18:38
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
And so, yeah,
18:41
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
it's better to have something
18:42
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
saved up to take care of that
18:43
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
so that it doesn't ruin
18:46
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
your whole financial picture.
18:48
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Right.
18:49
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Well, that was a downer to end on.
18:53
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
No, it's about good planning.
18:55
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
Yes, it is about good planning.
18:57
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So this person saying
18:58
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that they like to plan everything
18:59
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and the idea of surprise cost
19:01
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
makes me nervous.
19:02
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Well, it makes us nervous too.
19:03
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So here's a way
19:04
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
that you can handle that
19:07
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and it's easy peasy.
19:09
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
No stress.
19:10
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
So how's that?
19:11
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Is that better?
19:12
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
That's better.
19:13
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Thank you.
19:13
S… Speaker 2 (042_2026_04_07_Mailbag 1_Audio)
I feel better.
19:16
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
All right.
19:17
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Thanks for joining us
19:18
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
on Home, the Second Story.
19:20
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
If you'd like to come on the show
19:21
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and share your story,
19:22
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
email us at admin at hdsspodcast.com.
19:26
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We'd love to have you as a guest.
19:28
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Also, if you have questions
19:29
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
you'd like to ask us
19:30
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
in a mailbag episode,
19:31
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
please send them along.
19:32
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
Be sure to rate and subscribe
19:34
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
wherever you get podcasts
19:35
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
and follow us on Instagram.
19:37
S… Speaker 1 (042_2026_04_07_Mailbag 1_Audio)
We'll see you next time.
19:39
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
Thanks for listening to Home,
19:41
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
the Second Story podcast.
19:42
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
Feel free to share this episode
19:44
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
with a friend.
19:45
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
Contact information
19:46
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
for both of our architects
19:47
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
are in our show notes.
19:48
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
And don't miss future episodes.
19:50
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
Follow or subscribe
19:51
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
to our show for free
19:52
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
in Apple Podcasts,
19:53
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
Spotify, YouTube,
19:55
S… Speaker 3 (042_2026_04_07_Mailbag 1_Audio)
or wherever you're listening right now.

Tämän selostuksen loi tekoäly (automaattinen puheentunnistus). Saattaa sisältää virheitä – tarkistaa alkuperäistä ääntä kriittiseen käyttöön. tekoälypolitiikka

❤️ Rakastatko STT.ai:tä? Kerro ystävillesi!
Yhteenveto
Klikkaa yhteenvetoa luodaksesi tekoälyn tiivistelmän tästä selostuksesta.
Yhteenvetona...
Kysy tekoälyltä tästä transcriptistä
Kysy mitään tästä selostuksesta – tekoäly löytää asiaan liittyviä osioita ja vastaa niihin.
Ota toinen asia puheeksi