Nick and Ted bring you a financially packed episode on the Top 10 issues people face trying to pay off debt, and how you can avoid them. In the Intro portion, Nick and Ted discuss a very interesting graph relating to the alleged gender pay gap and talk about the Renaissance Fair that Sean and Ted went to with their wives and a small group.
TIME STAMPS:
00:00 Beginning
02:20 Monthly Raffle Winner
02:50 Wealth Wisdom
03:38 Gender Pay Gap Data
06:02 Renaissance Fair & Feats Of Strength
08:26 10 Biggest Struggles Erasing Debt
11:07 Not Tracking Your Budget
12:41 Keeping Up With The Joneses (and houses)
16:45 Focusing On Low Impact Areas
18:44 Ignoring Your Largest Expenses
19:41 Eating Out Instead Of Meal Prepping
20:53 Letting Subscriptions Stack Up
23:05 Subconsciously Spending More With Credit Cards
25:12 Focusing On Several Goals At Once
25:46 Not Starting An Emergency Fund
26:23 BONUS: Snowball vs Avalanche Methods
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
THIS WAS RECORDED IN JULY, SOME PARTS HAVE CHANGED. Welcome back for a big breakdown of The Big Beautiful Bill! Due to some technical difficulties this episode could not be posted in July as intended, but the info we cover and our takes will still be fresh. Please use the time stamps to jump around if you are not interested in certain sections of the BBB. Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
02:10 Raffle Winner
03:57 Wealth Wisdom
06:45 Big Beautiful Bill Overview
08:30 Public Land Sales
19:54 Trump Accounts
30:18 Gym As Health Care
32:36 Defense Spending
37:24 No Tax On Tips
46:36 Social Program Work Requirements
49:50 Domestic Car Sales
51:10 Rural Land Tax Deductions
52:25 SALT Deductions
53:00 Remittances & The ERS
54:20 Nick Hates Nonprofits
56:31 Universal School Choice
58:20 AI Regulations
Mentioned: @nickridpath_
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
Welcome to the fifth installment of our series on education! Part 5 focuses on college education. Join Nick, Ted, and Sean as they go over the shocking statistics of salary differences with/without a college education and the student loan crisis. There is some disagreement among the hosts over prestige of universities, if college is really worth it, and just how bad some college classes are! If you missed the first four parts, be sure to check out Episodes 43, 61, 72, and 102 on the history of education, primary education and the modern failings of the education system, alternative school choices, and homeschooling. Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
01:37 Wealth Wisdom
03:07 Unicorn’s Do Exist
04:03 The Worst College Class Ever @ Virginia Tech
06:05 The Worst Classes We Took In College
11:18 Is College Worth It? Wage Comparisons
18:47 Is College Worth It? Student Loan Crisis
22:38 Government Destroyed College Pricing
28:27 Does Prestige Matter For Colleges?
36:40 Is College Worth It?
Mentioned: @vivekgramaswamy @mikerowe @virginia.tech Episodes 43, 61, 72, 102
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
CITATIONS:
The Asian Unicorn-The Saola:
[https://www.discoverwildlife.com/animal-facts/saola-annamite-mountains-vietnam-laos/]
Virginia Tech Dance Class Instagram Post:
[https://www.instagram.com/p/DJ4XMPWNqpA/?hl=en]
Pew Research Center - Student Loan Debt:
[https://www.pewresearch.org/short-reads/2024/09/18/facts-about-student-loans/]
Cleveland Fed Commentary - Demand For College Labor In The 21st Century
Finding Equilibrium SubStack - Two Economists on Higher Ed’s Future (The College Wage Premium):
[https://findingequilibriumfuturehighered.substack.com/p/the-college-wage-premium]
The Timeline and History of Federal Involvement In College Tuition:
[https://www.luminafoundation.org/history-of-federal-student-aid/chapter-one/]
Education Data Initiative - Average Cost of College and Tuition:
[https://educationdata.org/average-cost-of-college]
Education Data Initiative - Average Cost of College and Tuition:
[https://www.phila.gov/media/20240627103158/Prevailing-Wage-Rates-%E2%80%93-June-2024.pdf]
EP. 043: Education Deep Dive Part 1: History of Education
EP. 061: Education Deep Dive Part 2- Schools For Kids Who Can’t Read Good
EP. 072: Education Deep Dive Part 3-Alternative Schools
EP. 102: Education Deep Dive Part 4 - Homeschooling
Back to our bread and butter episode format of one weights and one wealth topic; Nick, Ted and Sean bring you a breakdown of inflation and isometrics. Be sure to comment or reach out via Instagram and let us know what topics you want to hear discussed on the show next!Timeline:00:00 Beginning01:54 Wealth Wisdom03:48 The Next Bubble05:39 The Great Cousin Decline13:58 Youth Travel Sports16:59 INFLATION17:13 Causes Of Inflation20:21 How Inflation Has Grown22:50 Transitory Inflation29:38 CPI, Base Year, and Funky Stats34:01 Chapwood Index39:02 ISOMETRICS40:16 Stability42:15 Rehab44:31 StrengthInstagram: @weightsandwealthpodcastTwitter: @podcastwandwTikTok: @weightsandwealthYouTube: Weights & Wealth (@weightsandwealthpodcast)Rumble: Weights & WealthWebsite: www.weightsandwealth.com
Join us for a breakdown on the Federal Reserve, how it impacts you, the interest rates we all borrow at, and why the Fed is just like the Holy Roman Empire!End Paragraph with this when posting notes to social media: For links to studies, articles, etc. mentioned in the episode, go to the show notes tab on our website: www.weightsandwealth.com . Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:00:00 Beginning00:55 Holy Roman Empire vs The Fed02:42 Wealth Wisdom03:27 Men Yearn For Yard Work04:50 Taxes For Revenue Are Obsolete08:42 Fiat Currency10:55 What Does The Fed Do12:52 Organizational Structure Of The Fed17:12 The Board Of Governors18:26 Fed Makeup Goes Against Federal Reserve Act20:10 Reserve Requirement24:05 ConclusionsMentioned: @higherstandardpodcastInstagram: @weightsandwealthpodcastTwitter: @podcastwandwTikTok: @weightsandwealthYouTube: Weights & Wealth (@weightsandwealthpodcast)Rumble: Weights & WealthWebsite: www.weightsandwealth.com
This episode is the fourth installment of our series on education, focusing this time on homeschooling. Sean was homeschooled until high school and Nick’s youngest two sisters are currently homeschooled. If you missed the first three parts, be sure to check out Episodes 43, 61, and 72, on the history of education, primary education and the modern failings of the education system, and alternative school choices. Links to the studies and articles mentioned can be found under the time stamps.TIME STAMPS:00:00 Beginning01:59 Wealth Wisdom02:45 Education & Desired Outcome03:37 Homeschooling-The Numbers04:00 Mama Doyle’s Advice06:50 Department of Education08:54 Advantages of Homeschooling10:59 Preventing Social Stunting With Homeschooling12:06 Child Health Crisis13:13 Your Relationship With Your Children14:40 Career Exposure17:28 How Long To Homeschool For18:36 Biggest Disadvantage Of Homeschooling19:50 Reading22:00 Building CurriculumsMentioned: Episodes 43, 61, 72.Instagram: @weightsandwealthpodcastTwitter: @podcastwandwTikTok: @weightsandwealthYouTube: Weights & Wealth (@weightsandwealthpodcast)Rumble: Weights & WealthWebsite: www.weightsandwealth.comCITATIONS:Forbes Growth Of Homeschooling:[https://www.forbes.com/sites/sarahhernholm/2024/04/30/rise-of-homeschooling-and-its-transformative-impact-on-education/]EP. 043: Education Deep Dive Part 1: History of EducationEP. 061: Education Deep Dive Part 2- Schools For Kids Who Can’t Read GoodEP. 072: Education Deep Dive Part 3-Alternative Schools
Nick and Ted are back with an episode on what is sometimes our 6th F: FOOTBALL! Recorded right before the start of the season, Nick and Ted discuss why they love football, as well who they are excited to watch and who they think will win each division.
TIME STAMPS:
00:00 Beginning
01:20 Football Is So Back
03:11 Why Nick Loves Fantasy Football
04:30 Why Ted Loves Football
06:50 Jerimyah Love’s Insane Run In The CFP
08:30 Football-The Highest IQ Sport
10:50 Division Breakdown
11:08 AFC North
13:35 AFC East
16:27 AFC South
18:36 Quick Note On Gambling
19:25 NFC North
20:54 NFC East
24:05 NFC South
26:00 NFC West
28:12 AFC West
30:30 Super Bowl Predictions
Mentioned: @theffdynasty
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
CITATIONS:
EP. 099: NFL Draft and Dynasty Fantasy Football With The FF Dynasty Podcast
In this episode we bring you an update to the Bingo Boards and reveal who is currently winning! Is it Nick? Sean? Ted? Or the Audience? After going over the current state of the Bingo Boards we covered some advice, both financial and fitness related to get the biggest bang for your buck in the gym and with financial strategies. Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
01:32 Weights Widsom
02:20 Pope Leo XIV On Sports
06:20 Pride Bingo
09:05 Bingo Update
10:03 Nick’s Bingo Board
18:17 Sean’s Bingo Board
19:46 Ted’s Bingo Board
22:53 Audience Bingo Board
26:04 Biggest Bang For Your Buck Financial Advice
33:04 Biggest Bang For Your Buck Fitness Advice
Mentioned: @nickridpath_ @coach_rafael_aragao @defrancosgym
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
CITATIONS:
Pope Leo on Jubilee of Sports:
[https://www.vaticannews.va/en/pope/news/2025-06/pope-leo-on-jubilee-of-sport-no-one-is-born-a-champion-or-saint.html]
Welcome back! This episode is all about different lifting programs. Sean, Nick, and Ted go over some different generic programs they’ve done before that you can find online and then discuss different styles of training. If you’re wondering how you should train, this episode is a must listen. Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
01:40 Weights Widsom
02:40 RFK vs. Med Schools
08:13 Food In Europe & Our Travels
15:09 Our Favorite Generic Online Programs
16:07 n-Suns 5:3:1
19:30 German Volume (10x10)
24:20 5x5/Starting Strength
27:00 Full Body
29:11 Conjugate Programs
33:18 Styles of Training
33:37 Powerlifting
35:01 Bodybuilding
37:42 Olympic Lifting
39:11 CrossFit
43:06 Strongman vs. Soccer
46:41 Rehab
51:41 Powerbuilding
Mentioned: @imperial_fitness_sc @bigworkfitness_ @strong_emt @elevate.pt.performance @coach_rafael_aragao
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
CITATIONS:
RFK Tells Medical Schools To Teach Nutrition Or Lose Federal Funding:
Happy late 4th of July! (We had to get a new hard drive). In this episode, Nick, Sean, and Ted cover four American success stories for Faith, Fitness, Finances, and Freedom and discuss 4th of July plans, but first they cover a study on regaining muscle and a massive cinematic fraud that PETA should look into. Feel free to jump to certain success stories using the Timestamps if you aren’t interested in one of the 5 F’s! Links to the studies and articles mentioned can be found under the time stamps. TIME STAMPS:00:00 Beginning02:06 Wealth Wisdom04:35 How Long Does Muscle Take To Come Back?09:02 Lemming Suicide-Disney12:20 Four American Success Stories12:35 Faith-Pope Leo XIV18:15 Fitness-Jack LaLanne21:05 Finances-Andrew Carnegie25:09 Freedom-Peter Francisco28:50 Family & 4th of July PlansInstagram: @weightsandwealthpodcastTwitter: @podcastwandwTikTok: @weightsandwealthYouTube: Weights & Wealth (@weightsandwealthpodcast)Rumble: Weights & WealthWebsite: www.weightsandwealth.comCITATIONS:Study on Regaining Muscle After A 10 Week Break In Training:[https://pubmed.ncbi.nlm.nih.gov/39364857/]
We got to sit down with Coach Rafael Aragao (IG: coach_rafael_aragao) for a spectacular and wide ranging conversation around coaching, his client base-busy executives, bloodwork, and more. We apologize for the delay in releasing the episode, we found out our hard drive was teetering on destruction and was corrupting files. Time Stamps will be available shortly after the release of this episode! Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
Mentioned: @coach_rafael-aragao @nickripath_ @ericbugera @Brandon.schultz @the_muscle_doc @drgabriellelyon @biolayne @drnadolsky @drkarlnadolsky
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
In this interview episode we sit down with Coach Nick Ridpath! Nick trains a broad spectrum of clients from Gen. Pop. to professional MMA and NFL Athletes at DMV Iron outside of Washington DC. Sean, Ted, and Nick Raffety discuss coaching high school athletes, athletic performance/training athletes, low back pain, stability, cardio, and more in this fun interview with Nick Ridpath.
TIME STAMPS:
00:00 Beginning
01:52 Weights Wisdom
02:20 Nick’s Training
03:45 Nick’s Career Path
06:18 Coaching High School Teams
09:40 Progressions & Regressions
12:03 Progressing As A Coach
17:01 Letter of Medical Necessity
20:32 Athletic Performance
20:46 Jumping
24:39 Body Control
26:00 Sports Specific Exercises
29:10 Training College Athletes For NFL Combine
32:40 Worst Thing Ever Seen In A Gym
33:34 Stability
37:40 Warmups
40:30 Evolution In Learning & Social Media
44:46 Core & Cardio
50:29 Favorite Lifts
52:20 Low Back Pain
55:26 Online Training
57:30 Spinal Flexion
1:01:35 Nutrition
Mentioned: @pre_script @that_shortasianguy @imperial_fitness_sc @the_muscle_doc
Nick’s IG: @nickridpath_
Nick’s Website: www.unbranded-performance.com
Nick’s Youtube: @nickridpath_
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
EPISODE 1-0-0! For our hundredth episode, we didn’t just tell you what we’ve learned like a normie pod would do. We learned about the evolution and improvements in weights and wealth over the course of the last century and brought that history to you! Use the time stamps below if you're only interested in one side.
TIME STAMPS:
00:00 Beginning
01:42 Weights Wisdom
05:20 100 Years Of Weights & Wealth
05:25 100 Years Of Wealth
07:19 1920’s
08:01 1930’s
09:42 1940’s
12:26 1960’s
15:01 1970’s
16:55 1980’s
18:00 1990’s
19:48 2000’s
30:35 2010’s
33:21 2020’s
39:38 100 Years Of Weights
40:24 Early 1900’s
42:27 1930’s
44:10 1940’s
45:01 1950’s
48:09 1960’s
51:02 1970’s
52:48 1980’s
53:32 1990’s
55:26 2000’s
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
EP. 099: NFL Draft and Dynasty Fantasy Football With The FF Dynasty Podcast
Casey from The FF Dynasty Podcast joins Nick, Ted, and special guest Jack Rohrer (Ted’s brother) for an episode solely about football. The camera on Ted and Jack got a little funky but you’ll want to see the teams mentioned and displayed in the video throughout. Send this to your fantasy league and let us know which takes you disagree with!
TIME STAMPS:
00:00 Beginning
01:23 Dynasty Wisdom of the Week
04:41 Predictions For NFL Draft- Risers & Fallers
07:26 Watching All-22 Tape
09:12 Dynasty vs Redraft Fantasy Football
15:25 Nick The TE Hoarder
18:43 RB vs WR Value & NFL Offensive Shift
21:33 Do You Need To Draft QB’s Early In Superflex
24:20 RB Talk & Trends
29:33 Rookie QB’s
36:22 Rookie RB Landing Spots
43:31 TreVeyon Henderson & The Top 5 RB’s
49:58 Fixing A Horrible Orphan Team
59:03 Moving Back To Gain Value In Draft
1:03:07 The Ohio State Question
1:05:21 Rookie WR’s
1:13:06 Best Traits For Evaluating WR’s
1:20:06 DO NOT DRAFT CRITERIA
1:26:54 Playoff & Most Points For Settings
1:33:16 Dynasty Strategy
1:43:50 Trading
1:48:13 1st Round Pick Strategy
1:53:32 Nick Is A Great Commisioner
Mentioned (IG): @theffdynasty , @mattwaldmanrsp , @chev90 (X/Twitter)
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
Nick, Ted, and Sean are all back together in DC recording a big batch of episodes, the first being a discussion on the stock market dip and where there's value vs where there's waste in hiring financial advisors and personal trainers. The sniffles were going around but the voices (mostly) made it through the episode.
TIME STAMPS:
00:00 Beginning
01:38 Weights Wisdom
02:00 15% Stock Market Dip
05:07 Financial Advisors
05:14 Potential Waste
08:11 Financial Advisors vs Financial Planners
09:10 DON'T MAKE THESE MISTAKES
11:48 Potential Value & IRA Questions
16:30 Personal Trainers
16:32 When It Makes Sense
18:54 The Many Hats Of Coaches
21:15 Potential Waste
25:04 Potential Value
Ted and Sean bring you an episode on recovery after they returned from the field. Whether you have a stressful job, train a lot, or get poor sleep, we've got some helpful advice for better recovery.
Your three favorite hosts are back to discuss possibly the most unrealistic budget for a 25 year old living in Boston, before getting into the affects of low interest rates and a quick class on how to get the most out of progressing through lunge variations. Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
01:00 Weights Wisdom
02:50 Help CNBC With Monthly Expenses
07:32 Tracking Sleep With Smart Devices
09:41 Lower Interest Rates
11:18 How Assets Are Affected
16:50 Fed Funds Rate and Mortgage Rate
20:30 Lunges
27:26 Progressing Through Planes Of Motion
29:00 Internal Rotation For Performance
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
CITATIONS:
CNBC Budget Of A 25 Year Old
[https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html]
Boston Rent:[https://www.statista.com/statistics/1235817/average-studio-apartment-rent-usa-by-city/]
Car Payment:
[https://www.bankrate.com/loans/auto-loans/average-monthly-car-payment/]
Car Insurance:[https://www.usnews.com/insurance/auto/average-cost-of-car-insurance]
Pew Research Real Wages :
[For most Americans, real wages have barely budged for decades | Pew Research Center]
Bingo is back with a special twist this year-the Audience! Sean, Nick, and Ted go over a few predictions from each of their Bingo Boards and then go over the Bingo Board made by you, the people. Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
01:39 Wealth Wisdom
02:38 Nick’s New Job
04:30 2025 Bingo
04:40 Sean’s 2025 Bingo
04:55 Dozens of Universities Go Bankrupt
06:08 Remittances Taxed
07:31 Nick Buys Real Estate
07:48 W&W Gains 300 IG Followers
09:00 Nationwide School Choice
09:30 Obesity Index Tax
11:19 Ted’s 2025 Bingo
11:37 W&W Travels Outside VA/TN/SC
12:19 Bears Have A Losing Record
13:09 Fed Makes A Rate Hike
14:02 Another Attempt On Trump’s Life
14:19 Target Declares Bankruptcy
14:58 RFK Gets Warning Put On Seed Oils
16:05 Nick Is Back On 30+ Episodes
16:32 Nick’s 2025 Bingo
16:37 TCJA Gets Extended
18:06 Sean Makes Over $1K w/ Rubbish Runners
22:00 Nick Buys A House
23:38 Creed Releases A New Hit
24:42 US Considers Annexing A Territory
25:44 Audience 2025 Bingo
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
This episode-recorded in mid December-took longer to get out then we would have liked with the Jimmy Carter State Funeral and Donald Trump Presidential Inauguration pulling Ted and Sean away from any opportunities to get the Episode up. Nick was the big winner for 2024 Bingo, with a final score of 8 points. Ted wound up with 6, as did Sean (in the episode we forgot to mention Sean getting a point for the Pope having another scandal). At the end of the episode we mention the audience joining us for 2025 Bingo. Although we had set an original deadline of 01JAN25, because of the delay you have until 09FEB25 to submit your 24 predictions for Bingo! The picks we made before the new year will be revealed in the next episode along with any audience picks. Links to the studies and articles mentioned can be found under the time stamps.
TIME STAMPS:
00:00 Beginning
01:12 Weights Wisdom
03:47 Raffle Winner
04:55 Sean’s Bingo Board
07:18 Ted’s Bingo Board
09:10 Nick’s Bingo Board
16:30 Bingo 2024 and 2025 Audience Boards
Mentioned: @higherstandardpodcast @chrisnaghibi
Instagram: @weightsandwealthpodcast
Twitter: @podcastwandw
TikTok: @weightsandwealth
YouTube: Weights & Wealth (@weightsandwealthpodcast)
Rumble: Weights & Wealth
Website: www.weightsandwealth.com
Welcome back to Weights & Wealth! In this episode, Sean and Ted play "Would You Rather?" with questions under the 5 F's: Faith, Fitness, Finances, Family, and Freedom.
TIME STAMPS:
00:00 Beginning
01:59 Weights Wisdom
03:36 YouTube Censors Fitness Content
08:49 Would You Rather?
09:00 Seed Oils, Dyes, or High Fructose Corn Syrup
12:48 Lead, Asbestos, or Microplastics
18:10 State Hostile To Your Or All Religions
19:56 Collective Or Individual Faith Life
22:11 Classical Church Or Church Plant
28:57 Only Compound Or Only Unilateral Exercises
30:47 Vegetables Or Fruit
32:05 Business Owner Or Employee
35:26 Betting Or Gambling
37:43 Written Or Living Constitution
38:52 Small Or Large Family