Joel discusses how much we should be spending on vacation trips, landline services and its importance to the elderly, personal savings rates are not good in the U.S. Joel dives into if we should be paying off debt or just simply invest. Joel talks about removing the stigma of taking regular jobs and occupations. The Importance of trade programs in school and the job opportunities that come with it. Plus, Joel talks about social media and if it's possible to save money by using it correctly.