With apologies for ghosting you last week, the Free Money Podcast returns with picks against the spread for Week 5 in college football and Week 4 in the NFL.

Matt Jones, Jay In Lyndon, and I were unable to get together last week but this week we are excited and confident in what's on the board. We'll call last week's absence a reset from an even money start to Free Money Podcast Season 5.

On this new episode, we make up for lost time with more off-topic banter and Jay's Louisville Restaurant of the Week, plus picks against the spread for some of the biggest football games on the schedule.