Phil & Samantha are back and firing on all cylinders…

Late fees, grace periods, and why rent is basically Christmas (it comes every month, yet somehow still surprises people)

How to actually budget as a landlord — from surprise HVAC meltdowns to daily late fees that might just scare tenants into paying on time

 And yes… that friend who's still “waiting for the crash” because their uncle’s dog-walker said it’s coming any day now. 

Samantha shares how she budgets for rentals, how much to save (spoiler: it’s more than you think), and yes… flood insurance might get a mention.

Plus: Cookie Monster ice cream, haunted celebrities, and a few spicy confessions.