Today's listener-questioned version of Animal Spirits is sponsored by Naviplan by InvestCloud.

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Solutions.com. Welcome to Animal Spirits, a show about markets, life, and investing. Join Michael

Batnik and Ben Carlson as they talk about what they're reading, writing, and watching.

Michael Battenick and Ben Carlson work for Ritt Holtz Wealth Management. All opinions expressed by Michael and Ben or any podcast guests are solely their own opinions

and do not reflect the opinion of Ritt Holt's wealth management.

This podcast is for informational purposes only and should not be relied upon for investment

decisions. Clients of Rit Holt's wealth management may maintain positions in the securities

discussed in this podcast.

Welcome to Animal Spirers and Michael and Ben. We get a flood of emails from people, correct?

It's a torrent. Yes, lots of questions. And a lot of times we can't get to them all on the regular

show. So every quarter or so we do a listener

mailbag. So we've got a bunch to go through. So we'll just kind of get into it here. And

thanks again to all the people who write us in because people share very personal stuff that

they probably don't share elsewhere. How much money they have saved, how much money they make.

Hair loss. Yes. Hair loss stuff, asking them like if they should

shave their head. All right. When does frugality become a hindrance rather than a positive aspect

of saving? I'm coming across this now and I've talked to friends, family, and financial advisors

that work with my parents, but I'll give you some context. Graduated college in May 2020,

...