The speaker explains that they do not buy expensive items like Tom, who will spend eight thousand dollars on a jacket that isn't even comfortable or necessary for their life in Texas.
The speaker discusses their spending habits, stating that the most expensive things they buy are surfboards and an electric bike, but that they tend to spend more on dinners that can quickly get out of control.
A story about wanting to see the city and find a new restaurant, but being pulled towards going back to the hotel and relaxing.
The host reflects on past experiences of drinking in barns and blowing up bars with friends, though acknowledges it as a problematic pastime.