Insurance Is a Joke. We start off today with Budah practicing for his Halloween costume....I'll give you a hint, it's from the movie 300. A new study says most Americans are happy with their neighbors, DB isn't. And Americans are having less children and later in life. Also, October 19th was self-evaluation day and then DB's wife Nicole stops by for some insurance tips. And, do we have sex with the mics on? Tune it and find out. And a quick Beetdigger football update. Enjoy.