Dan endures the pains of middle age, Paul saves 15% or more switching insurance, and Jon Gruden's old emails

Dan and Paul each recorded this podcast supine in bed and Dan drifted off about halfway in, so a lot of his speech is slurred and babbling. The good news is nobody can tell the difference. Paul makes some good points, but there are long, silent pauses punctuated with a loud "uh" or "um." Paul explains why he doesn't want to use real sound bites in the podcast. Dan does it anyway.