When a Peacock, your credit card and six bucks a month sits between you and Patrick Mahomes

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As Ravens rest up and we turn our winter Festivus eyes toward the Wild Card Weekend, Leonard Raskin and Nestor discuss power of NBC, Peacock and the National Football League to get your money to watch a playoff game. So, what’s next? (Whatever they can get away with…)


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Nestor J. Aparicio, Leonard Raskin

Nestor J. Aparicio  00:01

Welcome home we are wn st am 1570 Towson, Baltimore and Baltimore positive always broadcasting at wn St. Am 1570 ad on the radio dial a lot of people coming back this week we are promoting something that is gonna be the biggest promotion we’ve ever done. It is our 25th anniversary, foreign daughter and curio wellness are presenting our 25 stories of glory. Number 13 was Luke Jones in his Hello Dnata Jersey coming in to win a competition you’re 16 years ago now back in 2008. So we’ve had a long rich history in our 25 years, but never anything like this never like a one seed and Super Bowl in Las Vegas where he used to be able to to illegally bad and it would never want a team or a Super Bowl in Las Vegas. But let her Raskin remembers those old days. It’s been a couple of weeks since he and I got together. He’s been traveling. It’s been holidaying, it’s been new Yering you were never nervous about the Ravens being anything other than number one. See when you went away a couple of weeks ago, so I gotta catch up with you. First off, Happy New Year to you. I’m glad you’re feeling healthier. I mean, you had an illness back during the the Christmas period. So hello COVID


Leonard Raskin  01:05

Ik going on.

Nestor J. Aparicio  01:07

You made

Leonard Raskin  01:08

it through, through all through all good. No complaints. Just a lingering little throat thing but the doc says it can hang on for who the hell knows how long? Well maybe through the

Nestor J. Aparicio  01:21


Superbowl? Who knows? Right? Like, there you go. You have an interesting thing. You have an anniversary coming up. You have this pig romantic trip with cat like you’re going halfway around the world. And you did it in the middle of maybe Superbowl week. And you might be going to Las Vegas. You’re trying to figure out your plans like everybody is who and you manage wealth. So maybe you’re a guy that can afford six 810 grand a ticket because that’s what sort of clearly there’s no more man your wife was pissed at you for spending two grand 20 years ago. Right? Just get into the first Super Bowl Right?

Leonard Raskin  01:53

Absolutely. Absolutely cost me a living room.

Nestor J. Aparicio  01:57

When you got your ticket on the plane, did you get it? You got a pretty good

Leonard Raskin  01:59

deal, right? Yeah, yeah, I was schmoozing some folks on the plane flying from Baltimore to Tampa Bay. They were going to the game they had tickets. There was no Siki crystal ball back. Oh, no, no,

Nestor J. Aparicio  02:14

no a guy.

Leonard Raskin  02:18

And I didn’t have tickets and I went down with a couple guys. We didn’t have tickets. We didn’t have a hotel. The only thing we had was a rental car. So we got the rental car. We found a hotel way the heck out of dodge, which was fine. We didn’t care. We hung out at the team hotel. We were scrounging for tickets. And this couple had two tickets. The three guys we agreed that whatever we’d get, we’d split three ways to price.

Nestor J. Aparicio  02:40

I believe he went as a threesome because like that’s the hardest thing in the world to get crazy. Why easy, right? You can always find a single Well,

Leonard Raskin  02:48


we schmooze. I talked to these folks on the plane. back then. I don’t even remember what the ticket price was. But it was relatively cheap. And what was cheap 1500 at the time? No, no, no, no, the face amount I’m talking face. The face to face on those tickets was probably 55. Yes. Downstairs seats were 1000 bucks. Yeah, but these were but they were 3000 that week. It was an unbelievably difficult ticket

Nestor J. Aparicio  03:16

because the Giants fan right?

Leonard Raskin  03:18

We’re on our way crazy New York went crazy. Yeah, so we’re on the plane This couple had tickets they had one of the Raven lottery I think they were 300 bucks something like that whatever. They were going to the game at all costs they there was no way they weren’t going to the game. Everybody was talking to him. They were sitting across from your yak and the whole way down. We get there I got the I don’t know how but I guess we had some cell phone because Scott the guy’s number and said look, you know, I’ll give you two grand. Two grand apiece for the tickets if you want him and he said I don’t know. And then you for the whole trip. Yeah, pay for the whole trip and then we got landed and we went and getting off the plane. I said 2500 a ticket. He said give me your phone number. I’ll call you I’ll let you know. So it’s later that night he called out of the blue I get a phone call. You know back then you didn’t care what the number was. You answered the call. Answer the phone call was this guy. He said my wife and I talked and you know for five grand, we’ll go to Paris. And so I said beautiful. So we met him and I counted out the hundreds there was no Venmo or anything you know, counted out the hundreds we had money and he bought

Nestor J. Aparicio  04:29

might be the only chance in your life to go to a Super Bowl right?

Leonard Raskin  04:33

Ravens to see our ravens in one Yeah.

Nestor J. Aparicio  04:35

10 years. God shows up and then you go to New Orleans right? I played badly this times trip. I went to the bus trip I look back it was 3350 up to 4850 depending on see hotel better hotel the whole deal. We we had a Hollywood casino we stayed at down in Louisiana. That was that was our premier trip. It was really nice play used to stay and like all they can stay in New Orleans not at that price right now we took I think we took 280 people to to New Orleans like now we’re going on 11 years ago right? Yeah the whole trip was nobody on my trip that I had to refund everybody got in the game right no casualties everybody made the bus ride some people said we’re gonna fly but it was electric you know everything right if the lights went out the lights went off we all won. They all got in every personal my trip got fed Boston hotel ticketed in our transportation for under five grand. There’s you know, that matches my voice. There’s no one listening to my voice that will get a ticket for under $5,000. No matter what if you hit the lottery, and I use you as example at a Rascon I’m wearing a shirt all last week, people were asking me about tickets, people hitting me one of my partners. Yeah. What about tickets? What about tickets? I know, a ticket broker that’s been doing this for 35 years. Every ticket that everybody’s ever sat in at premium game Super Bowl championship games. Well, this human being who’s a Terp alum, I tix has been my guy since 1994. Right? So he’s got me every ticket for all of this stuff. I call them last week. I said, What’s, what’s the deal? He said, first things first, the league scalped tickets now. So there’s no That’s right. That’s players have to pay $3,500 A ticket or 4250. That’s the face value. And then then they’re chipped. So you can only sell them one time. It’s kind of like Pearl Jam tickets or whatever, you get one transfer on it. So if a player sells it to a scalper, it’s over. Right? So they figured out how to do all of this that really hyper. So I said to my friend, I said, Hey, my boy, Atlanta Raskin has club seats. He’s hoping to get in life so well, the only way you’re gonna win the PSL lottery is to be a club seat or suite owner, they’re not going to give you section 541 Row 21 You’re not going to win the lottery. And even though you want to win the lottery, when you win the lottery, they’re gonna call you Baker conference will call you and they’re gonna say it’s $8,500 for the pair, right? And you’re gonna say, okay, maybe I could scalp them sell them or whatever it you’re in for 10 grand? Yeah, you hit the lottery and you get you get lucky. It’s gonna be 10 grand for the

Leonard Raskin  07:21

500 level last row in the stadium

Nestor J. Aparicio  07:24


if you get lucky now if you go secondary market it’s going to be seven to 10,000 doors depending on doors so we’re looking at a 15 to $20,000 ticket for two people. Plus Trent you can’t drive to Las Vegas check and the rooms out there rooms out there aren’t as bad I got Luca room after because there’s so many rooms yeah, there’s lots of hotel you can find a fleabag out there for 300 bucks a night for three days. You can get out there for grand on the weekend. Yeah, probably probably you could do three $400 in life Rotel room so and that’s better than a lot of

Leonard Raskin  07:59

friends so I could find a place to crash out

Nestor J. Aparicio  08:01

so are you in Are you out? I mean, is there a price that would put you out? Is there a situation

Leonard Raskin  08:06

that would put you in if I win if I win the lottery I’m going for sure. Okay, but but here’s my thing here because this is what I’ll do if I win the lottery those tickets the day I win them they find their way to a higher price appears open and and then I’ll use the excess cash to spend stupid money on a stupid ticket.


Nestor J. Aparicio  08:31

Oh, okay. All right. So you want to get a better seat is what Yeah,

Leonard Raskin  08:35

yeah, if if I win the lottery I look mine and and buy down. And then the cost would be the difference that the thing about the Superbowl I wouldn’t buy first. I wouldn’t be buying first digital side of flipping them. Oh, it’s horrible has become like a whole different gig.

Nestor J. Aparicio  08:52

I went into that stadium in Vegas the date open right. I was out there for the agent. I was actually a media member. Then the Jets deal forgets that I actually traveled with the team. Right call me lazy, and I wasn’t covering the team. So I was out there. You had to have clear in order to get into the stadium. Right? Yeah, clear still on my apps. And once I’ve ever used clear Kim herring from the Ravens. Sure. He’s a clear executive so really ran into him. So like all of these things that would have to happen for you to go to the game a month from the lineup was right. Well, I mean, it’s it I mean, you manage wealth and you’ve done well for yourself and you can afford nice and he’s and stuff like that. For a lot of people. It’s Oh, it’s it’s priced out. It’s not where it was 10 years ago, and I guess that and even then it’s

Leonard Raskin  09:36


all relative, even then the ticket was ridiculous. I mean, the price for a downstairs seat was six grand five, six grand. It wasn’t cheap now. It’s

Nestor J. Aparicio  09:45

gonna be 12 It’s doubled. Right?

Leonard Raskin  09:47

I mean, we sat upstairs for 2500 bucks. Right? You know, that was, that was what? I ran

Nestor J. Aparicio  09:54

bus trips for 3300. And, you know, I was getting tickets for two to $2,500 was there there was no such thing that doesn’t exist anymore? No,


Leonard Raskin  10:02

there’s no way it’s over with. And this game being in Vegas, I mean, these mega stadiums are doing event there. They’re like you said the league is a scalper, the league sets that at market price and says, Sorry, sir, you can’t come unless we give you a ticket. Somehow, you know, you’re not going well, I

Nestor J. Aparicio  10:24

I know you’re going week after next give me give me a little. It’s been a couple of weeks since we got the letter raskins Here Rascon global, he manages money, managers wealth and so that you can’t afford maybe it. But listen, man, I don’t care how big your dream is, with the Superbowl I’ve been the two of them. $1,000 and I’m going to pay to Las Vegas to sit in that sterile sort of thing. So I think and I’m just I’m starting here I did whiskey Joe’s. I don’t want to give the number one moment in the history of wn st and our stories of glory. But if you were in the parade, you remember some of that or you were at Whiskey Joe’s and I know you were Yep. That’s an amazing things. I don’t even know what amazing would be for Vegas. So we’ve decided to do something amazing for charity here during crabcake row week is what we’re going to have here. But where’s your head and all of this? I mean, this is this is as good as it gets. This is the best ravens team there’s ever been. It’s hard to question that. Now they have to follow through or they’re going to be the biggest disappointment in the history. Right? Well, that’s really a razor’s edge. It

Leonard Raskin  11:26

really is the last couple of weeks. I mean, who cares? Pittsburgh, you know, so be it. But the last couple of weeks, I wasn’t concerned, I thought they’d go out to San Fran and it’d be a tight game. I thought we’d play Miami top and probably beat him. But to put a beat down literally on both of those teams, offensive defensive specialties. I mean, you name it, they did it. They they outplayed those two teams, all over the field. And and those were the we talked a month, what a month ago. We said this, this next stretch is going to be huge. They had the Rams, they had Jacksonville.

Nestor J. Aparicio  12:12

They how are they going to survive and hope they don’t lose the division. Right. Right.

Leonard Raskin  12:17

Right. Well, look at Jacksonville, they started eight and three. And they didn’t even make the playoffs. They failed out. They failed out of school. Look at look at the Eagles. Giants made them look silly. I mean, there’s so many seams are limping in and out about right there is some ugly going on. And then and then there’s guys getting hurt all over the place. I mean, I think we’re pretty darn fortunate not only that we have the best team in the league right now. Offense, cooking, defense killing special teams hitting it, but but we’re healthy for the most part and then they go out and pick up a running back.

Nestor J. Aparicio  13:00

And they might not use he has a great year Dalvin Cook.

Leonard Raskin  13:02

I know but he wasn’t on a great team either. It’s hard to have a great year when you have no line and no quarterback. I mean you know tough to have a guy here. Who knows who knows what he could be but man justice Hills making himself a name. Gus is flying all over the place. They’re saying okay, we got this. And they keep bringing in insurance for him. But this team looks strong. Every aspect of his team looks strong. The Lamar is throwing the ball everywhere anywhere. Like it’s nothing and the guys are catching them. It’s It’s nuts. What’s going on, and they’re just obliterating teams on defense. They’re making teams look silly that are really good offensive teams just looking silly. But the only thing that that bothers me about the last couple few weeks of football is somehow the Squealer squeaked in to the playoffs. They’re always you never count Tomlin out in the playoffs? No, I


Nestor J. Aparicio  14:05

don’t think about that. We’ve talked about that and a guy’s just got a thing. 14 squeaking and by the way, if you seen the weather forecast for Kansas City for Saturday night I mean suppose 00 daytime high of four in Kansas City on Saturday, playing the game at eight o’clock at night. So Pittsburgh’s going into that meanwhile the the Miami buffalo say Miami is the most decimated team I don’t think there’s any better yeah, and they still almost immune they hung in at home but they squandered

Leonard Raskin  14:31

every me playing who’s Miami Plan buffalo? No, they don’t play again. No, no, no, I think you got it backwards.

Nestor J. Aparicio  14:40

I got it backwards. I’m sorry.

Leonard Raskin  14:41


I think Miami is going into zero degrees.

Nestor J. Aparicio  14:43

My well hold on here Miami. I am so upside down on a Monday morning Miami is going into Kansas City, Pittsburgh. It’d be called buffalo either way, but for Miami. Miami feels Miami feels like it’s over with sure I’m getting hurt when you’re down 30 points. And Lamar was running into lines and I’m like, what?

Leonard Raskin  15:06

Yeah, I couldn’t figure that out either team but at least ours came away healthy and there’s sadly for them for for Chubb just didn’t that’s bad,

Nestor J. Aparicio  15:14

too focused on Flacco. I’m so confused on the Monday morning, the Florida thing and the first game kicking it off in the weekend. I think we’re all expecting a C flag. I mean, forget the dolphins and Steelers. I don’t think anybody thinks they’re winning this week. But if they do we get them. Right. Right. We get one of those teams. Well,


Leonard Raskin  15:32

let’s suppose both of them lose. Right? Both of them blues that we get to fly in fly coasts. He beats Houston. Well,

Nestor J. Aparicio  15:42

I think there’ll be Houston right? Are you out of that mindset?

Leonard Raskin  15:46

I don’t know. CJ Stroud. Oh, H. O. H, the dude is on fire that you should see the top keyboards at Ohio State. They’re going nuts. Well, and he would

Nestor J. Aparicio  15:56


be trouble coming in here. And we can I mean, but the thing is, he’s,

Leonard Raskin  15:59

he’s playing Cleveland. So the you got the Ohio boy at Euston playing the hometown Cleveland’s it’s it’s they’re going wild. They don’t know what to do. Those Ohio folks don’t know who to root for. They’re all a flutter flutter.

Nestor J. Aparicio  16:14

Raskin is here. You know, we’re talking on the other end of the national championship game. So I’ll hold off any hardball family dynasty talk later on. But, you know, the NFC side of this thing you mentioned beaten up on the 40 Niners and Christmas night, you and I haven’t gotten together in a little while. Right. Right. And it was New Year’s and all that. Does it not feel like that beat down to the 40 Niners was like three months ago now like I know, it’s been two weeks since they embarrassed the best team on the other side. And I look at this NFL tournament, I say, packers cowboys. I mean, like, really, rams and lions and I know we almost lost to the Rams. But seeing the lions again would be dreamy, I think from a Ravens perspective. And the Eagles in the Buccaneers are two teams. And I don’t know how either one of them qualify for the playoffs. So the NFC side of this thing feels like if the Ravens can survive this side of the tournament. And I think every time we’ve talked about Lamar in the offseason, and even last year, with all the drama about him getting signed, and this time last year when he wasn’t on the sidelines and Cincinnati and all that my vision of how Lamar would win a championship sounded like this. How was he going to beat burrow mahomes and Allen back to back to back on the road? How like, how are you going to win?

Leonard Raskin  17:27

Three games gotta win two at home. Now you got to win two at home. The narratives completely

Nestor J. Aparicio  17:32

changed when you go well, they went 13 and four, they couldn’t go on 14 and three or 15. And two, they were Luke had to stat the other day that they hadn’t been behind by scores no till the final four minutes of the last game of the year.

Leonard Raskin  17:46

That’s exactly right. The godliness

Nestor J. Aparicio  17:49

of all of the accomplishments of the team are there. But I look at this and say, what’s the pathway that eliminates the Ravens? And I talked about the bad weather in Kansas City for the dolphins at night. Bad weather is the great equalizer. Sure we want a home game. Now we just got up. Hold

Leonard Raskin  18:09

John play well show up. You got to chill up on the home game. Now the big thing is when is it going to be? That’s the big question based on the next week’s outcomes. When are the boys going to roll up and play a game? Is it going to be a Saturday? Is it going to be a Sunday? Is it going to be the Sunday night game? What’s the what’s the over under on when you think they’ll put us on there?

Nestor J. Aparicio  18:36

I hope we’re not on peacock

Leonard Raskin  18:38

Yeah, I don’t think that’s gonna make maybe that’s

Nestor J. Aparicio  18:41

why I confused the Steelers going to Kansas City cuz I thought I’m not going to watch that Where the hell am I going to watch peacock on a Saturday night? And I’m not giving them my money. I’m just this whole like come on of the extortion of we’re gonna you’re gonna get my credit card numbers so I can watch a football game. I don’t know letter. I don’t know.


Leonard Raskin  18:59

Where to 99 money guy 99 is a tough price to pay to watch a playoff game $2.99 For we’re talking about $12,000 Super Bowl tickets. Is that Is that what they’re charging three bucks. Three bucks a month. Might be Can I can I come full disclosure with you on something? You get it? And you can get it for free the first one and then I think after 30 days or seven days they hit you if you don’t cancel, you’re a

Nestor J. Aparicio  19:22

money guy. So let me let me just complain to you about something that’s non football related. Okay, yeah, sure. This is non football related. And I love Dan Rodricks. And I love I was looking through all my old stuff during the how I have all my evening sun and Baltimore Sun. This is me deprecating upon the Baltimore Sun which has gone on these airwaves many times. And I’ve been nicer lately. Because unlike the Republican and you and the Democrat and me like I, I had a friend of mine who’s a Republican say why you’ve been so nice to the Sun lately. It’s falling apart. It’s a rag. It’s a liberal. All of all of that and I’m like, well, at some point, it would be good to have a newspaper It would be it would be really good to have media and meat being thrown out by Chad’s deal with like, and we’ll get to that. But so the newspaper thing I bought into a come on back when I was going to run for mayor four or five years ago, I bought the dollar Black Friday Baltimore Sun subscription. Sure. Okay. I gave him $1. And then in like, April, they start charging me like $27.90. It was even it was, it was a number, you know, real. It was their subs bucks a month. Right? So real numbers, like 30 bucks a month, right? April I see. And I’m pissed. May I see it? I’m pissed. junus finally, like, the following October, I decide I’m going to cancel it get around to cancel on it. The getting around it. My wife and I fight about this all the time, get on the phone and cancel it. To me, dude, I make dentist appointments. I gotta make a practical logical examination. I gotta call Dr. Sigmund right. I will look forward to calling him to set up. And I’m 55 and I’ve never had the thing done. So my wife’s pissed at me. So I’m gonna have to go do it. Right. Yeah. And everybody listening knows I need to pee. I’ve, every time I have Superbowl guys on I’ve had problems. So I gotta do I would rather set that up knowing that I’m going to call and get a friendly voice over to proctologist and they’re going to set an appointment up. I’m going to close my eyes, and I’d rather do that. Then cancel a subscription for me to get on the phone with Verizon than any get on hold to get my money back. Let me here’s why you’re ready. Here’s why. And I’ve told Dan Rodricks this. I tried to get rid of that Baltimore Sun subscription and get that 30 bucks off my credit card. The recurring fee. Yeah, I got put on hold in the Philippines for an hour and 15 minutes, listening to the bad music. Okay. So they finally put me through I speak to someone that definitely was not first language English, someone that was speaking to me from the Philippines and had a script, and they refused to disconnect my credit card. But sir, if I offer you But sir, you’re missing But sir, but Sir, but please, please take my credit card off. I’m your list. Stop. Stop charging me. It took me an hour and a half to get rid of the Baltimore Sun subscription. They soaked me for over 200 bucks those rat bastards. Okay, this is a couple years ago off of that dollar, come on Bucha they give you this is why I’m not signing up for peacock. Because then freeze, unsigned. I’ve been freezer burned by giving my credit card to anything that recurs. Anything that requires a login or my name? I’m getting really pissed, oh guy get off my lawn. And the fact that the National Football League is sticking this up our ass on Saturday night. I think I’m gonna go up to the casino. I’m gonna find I’m going to find some sure race, I’m gonna go do something else. Because I’m not giving them my credit card. I’m not I’m not. I’m not interested in. And I’m not interested in your streaming. So I’m not interested in Netflix. I’m not interested in Spotify. I’m already given Apple and Google and all these people money for storage, just so I can see my pictures. I’m not giving peacock my money and you’re my money, man. Do I sound responsible?

Leonard Raskin  23:24

No, it’s absolutely right. Because I can tell you this. There are people that have been convinced to quote unquote, cut the cord, get rid of your cable, and get subscriptions because it’s cheaper. Instead of $110 a month it’s 299 Until you have 30 of them and it’s $300 a month. And that’s what people do. And they don’t watch anything. But they’re paying for everything. Why? Because they don’t cancel them just like you’re saying. And you can’t cancel them. You get on the internet and try to call somebody and try this

Nestor J. Aparicio  23:59

is their first chance to try to get three bucks out of me to watch something. Football game. This is their first go at this where the Super Bowl is going to be $159 viewing party 10 years yeah, they’re in

Leonard Raskin  24:13

the future for sure. You’re gonna not gonna be able to watch the Super Bowl without some something. We gotta pay grand to go to it now. Right? But I’m talking about even watch it to even watch it. There. They figured this out. They’ve got it all figured out. They’ve got us

Nestor J. Aparicio  24:26

all to like do something else on Saturday night and just monitor the score. That’s right. That’s right. Because I’m not interested in the dolphins enough. No,

Leonard Raskin  24:35

go watch them whack at Kansas City


Nestor J. Aparicio  24:39

or embarrass myself by getting the sights wrong so good morning. Script start the year letter asking the series Rascon global stuff I’m gonna edit it out because it was just so stupid but so get Kansas City is hosting Miami. They’re both gonna lose so I don’t think

Leonard Raskin  24:54

Pittsburgh is going to Buffalo buffalo. So then we got Kansas City and buffalo which are the two in the Three and then your low game is for five, Euston Cleveland. That’s the first which is which is a coin flip.

Nestor J. Aparicio  25:09

So you run against them.

Leonard Raskin  25:10


I can’t root for Flacco. I can’t run for the browns. How can you run for the browns? Come on, you can’t run for the browns. Gotta hope. Gotta hope Joe has a great game. And they lose. That’s all.

Nestor J. Aparicio  25:20

You don’t come here next week. Are you afraid of now? Or no? No,

Leonard Raskin  25:24

no, no. What what do you want to see that? I mean, that’s like, look, they they’ve played five quarterbacks. somehow they’ve won because they have a tremendous defense. Their defense is kinda ugly. You know, their uniforms are ugly. Oh, yes, either. Your uniforms are hideous. It’s

Nestor J. Aparicio  25:41

really weird seeing Joe run around with that Keebler elf on him. You know what I mean? What is


Leonard Raskin  25:45

that? What the heck is that?

Nestor J. Aparicio  25:49

Anything on the markets or money or starting a year that you want to give some because I didn’t give you a chance to do any of your end of the year. Wisdom and Grandpop speech about taking care of your money. And I’d say we just talked about seeing family during that time, especially not on Elvis his birthday to discuss these things, right? No,

Leonard Raskin  26:08

no money is something people don’t look at it we just talked about they don’t they don’t even manage their subscriptions. You know, one of the things you should look at going into the year is absolutely your spending because we’ve been tricked to spend spend, spend, spend. And and here’s what happens, you you get a paycheck, and your paycheck goes into your checking accounts. And then you spend all the money out of your checking account. And sometimes you spent too much money out of your checking account. And then maybe you save some, maybe you save a little bit of what’s left, we have been convinced psychologically, literally, over time to marry our earnings going into our checking account with what we want to spend. And there is no connection. And there should be no connection between what you earn and what you spend. And that sounds crazy. But we were just talking about earlier, the Super Bowl, all

Nestor J. Aparicio  27:14


we really need is, you know, good sex, comfortable shoes and a warm place to go to the bathroom for the guy live. But what’s really neat is I wake up every day, and I think I’m healthy. I know what it’s like that my wife not, I know what it’s like that my back hurt and have my career taken away from me because of it. So I know all of that. But I only eat three times a day and it’s cold out. And as long as it’s warm in here. As long as I can eat, go to the bathroom three times a day and pay my bills. I’m good. But then there’s I want this I like that’s the point that I need to have was I want this I need that and the other stuff. And what are things I need, I need new glasses, so I get it but but but there are things that you need, like absolute function, and then they want right or

Leonard Raskin  28:02

things so what I’m saying, but here’s what I’m saying. When when as an individual I made $30,000 life was okay. Then I made 40 and life was okay then I made 50 and life was okay then I made 100 life was okay then I made a million and life was okay then it made 10 million and life was okay. This is human nature. Okay, so here’s what happens when I was making 30. And life was okay. And now I’m making 40. And life is okay. And I’m talking just in the generic me 50. And life is okay. At some point, you don’t have to look any further than a guy like Warren Buffett. At some point, you don’t have to move out of that house into another house and have six houses you can you can you don’t need the fancier Fancier car, you could still drive the Toyota or the Chevy till it gets 250,000 miles on it dies, you don’t need a new car every three years I

Nestor J. Aparicio  28:54

learned you can go on vacation and not have to own a vacation home. That’s right. Or you can go on vacation lesson for me right for me personally.

Leonard Raskin  29:03

Or you can go on vacation, and you can stay in a hotel in the same locale that’s 200 a night or 1000 at night. Okay? There are things that can be done, you can go camping, and find a place I’m not saying you have to. All I’m saying is your spending should not be a function of your earnings. You need to get your spending as a function of your spending, and then lock it. And then as you make more and more and more. If you just save more of the increased earnings and spend a little bit more. There’s nothing wrong with spending a little bit more. But as Americans, we’ve been psychologically conditioned that as we earn more, we have to spend massively more. And as a result, we don’t save enough and as a result, life long term so offers and what I’m saying is at the beginning of the year it’s a good chance to look at your spend and say, Are all these things we’re just talking about it subscriptions before you know it you’re spending $200 a month on stuff you’re never using you’re not that’s why I’m


Nestor J. Aparicio  30:16

not going into this peacock thing and I entered this conversation with you sort of angrily to say I’m not doing it because I don’t want a cock I don’t need your love and therefore I’m not I’m not going in and even typing my name in and giving them access to me I don’t want them to have access to me well somebody’s

Leonard Raskin  30:33

got it some locale has it some bar has it if you want to watch the game you go there watch it. I’m sure there’s restaurants and bars and casinos all over town that have it.

Nestor J. Aparicio  30:43

Anybody out there has a game Saturday let me know I’m gonna call my clients because I am afraid they’re like me like, I don’t know whether a Costas knows how to like literally like this is a bizarre business.

Leonard Raskin  30:55


That’s but as a business, it’s one of the things you do, you know, you buy the subscription so your patrons can come in and not have to pay for it. Instead of paying 299 for the subscription you pay 299 for food.

Nestor J. Aparicio  31:09

Well, I did put it but what I’m saying to you is the NFS this just goes back to their business model of course of the NFL ticket becoming completely unaffordable. Absolutely any sports bar and all these Pay Per View fights going back to Tyson and all that charging $50 A stolen the bars and like all of that. I mean, I live without seeing the Tyson fight certain nights, you know, I can live with. I’m just I’m getting to the point now where you’re, you’re you’re trying to take advantage of my of my theater senses. That’s

Leonard Raskin  31:41

exactly right. Trying to take advantage right.

Nestor J. Aparicio  31:44

And that’s where Taylor Swift Bruce Springsteen, the Rolling Stone, you know, like little crazy, there comes a point where it’s like, I know how much my Tuesday night is worth with Madonna, or with Pearl Jam, or with Joe Flacco or with you with dinner, or steak or lobster or hamburger or, or pot roast or whatever we’re gonna you know, I’ve grabbed the handle. And so I would say to everybody, if you ask some questions about money, find lender lenders always got good advice he’s got on his shoulders is what I say about and for those of you who are considering going to the Super Bowl, and I know I was the guy leading people, Leonard, everybody’s hitting me Are you taking? And I’m thinking How much do you think it’s going to cost? It’s

Leonard Raskin  32:25

like if I had a trip,

Nestor J. Aparicio  32:26

it would take grand it no be more than that. It just well, it would be up there. 15 Yeah, think about who’s going tickets risk flight Hotel. Yep. All and then I’m thinking that’s a different thing than $3,500 and ride a bus, which isn’t cheap. But it’s we’re not going to go to Disney World. We’re going to forego our summer vacation to do to go to New Orleans to have a memory. That is not the first of all in Vegas is not a Super Bowl in Vegas is is the difference between maybe going to Hawaii or Tahiti.

Leonard Raskin  33:01

Those are a massive month. So massive production.

Nestor J. Aparicio  33:05


This is not an Ocean City weekend at all. No, this is big. So I’m planning big things here. I’m in effort to think that some of the whiskey Joe folks like you some of the 12,000 people that were in that marched down and aren’t gonna make it back to Vegas, but are gonna be looking for something cool to do. So we’re giving people a chance to give give back to something awesome. We’re doing a thing called crabcake row. It will begin on February 5 I’m gonna be giving the details out two weeks from now after the Ravens win the first playoff game against Flacco or the Steelers are are the seats whatever you’re not gonna vote for CJ Stroud even though you’d like him right?

Leonard Raskin  33:40

Against to against us or against us of course not all right. All right. Now we’re putting down all comers baby, man your

Nestor J. Aparicio  33:48

whole life. Man, new kid. What? Changed you man?

Leonard Raskin  33:52

We’re putting down everybody. That’s it? No, are


Nestor J. Aparicio  33:55

you gonna be really upset if Washington doesn’t win a national championship just based on the fact that

Leonard Raskin  34:00

I just hope it only hope I’ll say this about Ohio State.

Nestor J. Aparicio  34:03

I’ve never hated Ohio State or Michigan. Like I’ve never had been there. I I’ve hated Notre Dame. I’ll say that. I’m trying to think of any of the big 10 schools that I’ve really had any sort of Indiana basketball Bobby Knight, like, you know, when we beat them? Yeah, 20 years ago in Atlanta. I felt nice. I felt like you’re beaten Hoosiers. I got no like Michigan, Ohio State thing. But the Jim Harbaugh thing and the cheating thing and he’s got other and they’re gonna be there. His brother’s all gonna be there and gritty. You’re all gonna be like, I have a lot of Michigan friends. I mean, my God, the bond distributing girls went to Michigan and they had all my buddy Jason Wright was on a plane. His wife’s a Michigan person. They’re in here like all of that. i Your friends are going to be there. I am going to be on behalf of Warren Moon and the Huskies.

Leonard Raskin  34:57


Yeah, yeah, that’s I nation.

Nestor J. Aparicio  35:00

I just I don’t want to. I don’t like when cheaters when I hear you, and that’s how I feel about Bella check. You know, I love seeing him freezes as often as snowmen get his ass beat by the Jets by the Jets. I thought it was just when you see him good. It’s nice. Did you have that feeling bill I want you to he pulled his hoodie up over his head. I don’t want to see anybody. Can you see

Leonard Raskin  35:20

coaching anywhere else? Really? Is it here? No. Isn’t it over?

Nestor J. Aparicio  35:25

I don’t know what the appeal would be for him or for an owner. Oh, I say I’m gonna bring you in for fine. Atlanta. Well, he might be higher by the end of the day in Atlanta. Right? Right. Right. So I mean, somebody’s gonna value him. And he has to value the situation to say, I’m not gonna lose those brave chicken.


Leonard Raskin  35:48

But he’s no spring chicken. It’s not like he’s trying to create a career.

Nestor J. Aparicio  35:52

That’s why I’m saying what do you should over when you bring Bill Belichick? No, what do you know it’s

Leonard Raskin  35:56

over. It’s time for him to ride off into the sunset. It’s enough.

Nestor J. Aparicio  36:00


It’s enough. Not enough for him. It’s got to be enough. He’s so competitive dude. Like I he’s, he can’t want he can’t not have this. It’s like Springsteen or Mick Jagger touring? It’s what they do.

Leonard Raskin  36:15

I don’t know. I guess

Nestor J. Aparicio  36:18

Marvins made $100 million. Right? More than could be with his wife. Atunci. Yes, you’re obsessed with winning? More. Here’s helping the Raiders let Marvin wants to coach me. Brian walked away. You know, I’m trying I know. I know. That. Don’t just, you know, who walked away cold turkey. Mike Smith, my buddy Mike Smith, you talk about former Falcon. Me He lives on a hill in Tennessee. And when I talked to him, he’s like, I don’t want to play ball anymore. I’m just I’m done. I watched football professionally for every minute of my life. Right on. I’m just like, there you go. Yeah. All right. You’ll be managing money until you’re when you’re not managing money, you’ll still be reading the stock pages, right? I

Leonard Raskin  36:53

don’t read the stock pages. Now. You don’t know.


Nestor J. Aparicio  36:58

The market? Can you tell me how

Leonard Raskin  36:59

you follow it, I see it. I watch what goes on the market goes up, the market goes down. I don’t care. What I know is in the long run. I can’t predict the next 10% I can’t predict the next 20%. I’m not picking stocks. But the next 100% The market is up. So put your money in and let it cook. That’s it. I know what’s going on. I know that in the long run. It creates wealth. And I know there’s other ways to create wealth, businesses and real estate an opportunity to do great things for great people. And that’s what I help my clients do. I don’t pick stocks. I haven’t picked an individual stock in 35 years. I don’t own any individual stocks. I don’t care what happens a company A B or C because I own company A, B and C as part of the entirety of a portfolio that someone owns. And I don’t have time to figure out which company may or may not be the right company because it’s a fool’s errand. It can’t be done. There’s just no no value in it. So wasted time and energy.

Nestor J. Aparicio  37:55

All right, let it set me straight. I have your round Raskin global. You can find them out in the front of Baltimore positive dot coms. I’m glad you’re feeling better. I’ll give you a bye week here at least take a little time. We’ll get together we’ll reconvene on the who’s playing who and where next week. That’s right. brain fart here. This morning. We got it and we’ll see how Joe throws on Saturday. Let me get the fat Rascon global.com He’s right here on on Valley but manages money for people all over the world and more than that, just could head on his shoulders to give you some advice and keep you square and make sure you don’t give the Baltimore Sun your credit card cuz you’ll never get it back. I don’t know about the peacock people but they didn’t get my credit card unnecessarily. In st am 1570, Towson Baltimore practicing the austerity. The letter Rascon is recommended for me with my credit card. Back for more right after this.

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