When Brooklyn Nine-Nine won not one, but two Golden Globes this year, many people were surprised. How did this Andy Samberg-led comedy, still in its inaugural season, win over the likes of Modern Family and Parks & Recreation?
The answer is puppies. And excellent financial advice.
Last night’s episode featured a glimpse into the financial life of Jake Peralta. He’s looking for a loan to buy his place, since the rent-controlled apartment he currently lives in (formerly owned by his now-deceased Nana) is going co-op. He petitions the Captain for a loan of $430,000 and is promptly turned down, at which point Gina steps in an attempt to help him (read: school him) manage his finances and afford to buy the apartment, all while dispensing some amazing advice.
1. Stop burying your head in the sand.
Jake stores his unopened bills and statements in a beautiful clawfoot bathtub. How is he supposed to have a clear picture of his finances if he hasn’t opened a bill in years?
Gina fix: open your damn bills – the anxiety of not knowing what your financial picture looks like will be quelled once you actually know the numbers.
2. Stop spending your money on STUFF.
Upon surveying the living room, Gina notes that Jake has six massage chairs, only because “they don’t make a massage couch.” A cable bill surfaces that shows Jake rented Olympus Has Fallen on demand 12 times, and he inexplicably owns three turntables (on which he plays his Nana’s old polka records, horribly). Make sure you’re spending your hard earned money on things you enjoy, but don’t be stupid about it. With iTunes and Netflix, nobody needs to pay seven dollars a pop for movies on demand.
Gina fix: no more stuff you don’t need.
3. Compromise is key.
In Jake’s mind, he would rather take a loan for $430,000 than entertain the idea of moving to a different apartment. He has a sentimental reason (he and Gina basically grew up in his grandmother’s apartment and doesn’t want to part with it), but in reality his financial situation is not conducive to staying.
Gina fix: she can buy the apartment and rent it to Jake, thus keeping it “in the family” so to speak and saving him from a move. And a loan from a weirdo sea witch. Double fix.
4. Saving a boatload of money in your 20s can get you far.
Gina’s lived in the same crapbox apartment since she was 20 and has been saving like crazy for 13 years, and also cuts back on takeout by eating Scully’s lunch every day (resourceful!). She didn’t let lifestyle inflation get the best of her and now she has a fat wad of cash to show for it.
Gina fix: none. She is the master of thriftiness.
5. Getting it together means eating a little humble pie.
After initially rejecting Gina’s offer to buy the apartment and rent it to Jake via temper tantrum, Jake has a rare moment of clarity and introspection. He runs the numbers on what he can actually afford for rent, and decides that he should sublet Gina’s apartment (at a profit for her) and she can buy his grandmother’s place.
Thus making Gina a landlady. Bam.
So there you have it. Despite being a constant source of gif-able hilarity, Brooklyn Nine-Nine has now delved into personal finance with some fantastic advice.
Do you watch Brooklyn Nine-Nine? Do you love it (and Gina) as much as I do?