WEBVTT - Burnout, Bad Bunny, and Breaking Barriers: BA Roundtable 0:00:00.080 --> 0:00:03.640 Hey, BA fam, it's Mandy. I am actually recording this 0:00:03.760 --> 0:00:07.000 message after we taped the episode that you're gonna hear 0:00:07.000 --> 0:00:10.440 today with my faves and y'all's faves Chris and y'all 0:00:10.480 --> 0:00:14.360 Nelly of the New BA round Table. But I really 0:00:14.400 --> 0:00:17.320 just had to because you know, we recorded this episode. 0:00:17.440 --> 0:00:19.600 I try to be really timely, but we recorded it 0:00:20.079 --> 0:00:23.959 on Friday, and since then, I have just found I 0:00:24.040 --> 0:00:26.920 have learned so much more about the communities that have 0:00:27.000 --> 0:00:32.599 been impacted by these devastating wildfires in LA And by 0:00:32.640 --> 0:00:36.320 now you've probably heard of a community called Alta Dina. 0:00:36.920 --> 0:00:41.559 Alta Dina is majority black homeowners. It's especially devastating that 0:00:41.680 --> 0:00:45.159 these fires have obliterated Alta Dina because this was literally 0:00:45.560 --> 0:00:49.680 a refuge for Black Americans who were redlined and forced 0:00:50.280 --> 0:00:53.120 out of other neighborhoods in the LA area during the 0:00:53.120 --> 0:00:56.440 Great Migration and pretty much forced to live there as 0:00:56.440 --> 0:00:59.000 we so often are pushed out and put in less 0:00:59.000 --> 0:01:02.600 favorable neighborhood which then of course become gentrified and become 0:01:02.640 --> 0:01:05.080 part of great you know, and then all of a 0:01:05.080 --> 0:01:08.360 sudden everyone wants to live there. This is generational wealth 0:01:08.400 --> 0:01:11.760 in black communities that we can't afford to lose. In fact, 0:01:11.800 --> 0:01:14.560 black home owners and Alsadena apparently were not even given 0:01:14.560 --> 0:01:17.240 mortgages until the nineteen sixties. I'm reading this right now 0:01:17.280 --> 0:01:21.040 from KCRW, which is the public radio station in La 0:01:21.200 --> 0:01:25.360 So please support your local NPR stations. This is simply 0:01:25.600 --> 0:01:29.000 generational wealth that is way too rare for black families 0:01:29.040 --> 0:01:31.240 in this country, and we are watching in front of 0:01:31.240 --> 0:01:34.440 our eyes while it is put in jeopardy where families 0:01:34.440 --> 0:01:37.199 who have actually managed to build some generational wealth through 0:01:37.400 --> 0:01:40.319 real estate, through their properties are at risk of losing 0:01:40.400 --> 0:01:42.920 at all. They've already lost it physically, but we can 0:01:42.920 --> 0:01:45.920 actually help them rebuild. We can help them make sure 0:01:45.959 --> 0:01:48.240 that they're not pushed out of this neighborhood, make sure 0:01:48.240 --> 0:01:50.480 that they don't lose the tender roots that have been 0:01:50.520 --> 0:01:53.680 growing and flourishing ever since they moved in almost one 0:01:53.720 --> 0:01:56.920 hundred years ago. One couple, Denise and Adonnis Jones, who 0:01:57.000 --> 0:02:00.200 are longtime residents of Altadena, they lost their home when 0:02:00.200 --> 0:02:03.280 they eat and fire. Denise's mother bought the Denise's mother 0:02:03.320 --> 0:02:05.640 bought the home in nineteen sixty eight. So right there 0:02:05.640 --> 0:02:08.080 we have an example of how one generation is passing 0:02:08.080 --> 0:02:10.360 on a home to the next generation, and we just 0:02:10.400 --> 0:02:14.080 can't let this wildfire steal that from future generations to come. 0:02:14.360 --> 0:02:16.760 So if you're like me, you're wondering how can you help, 0:02:17.040 --> 0:02:19.079 I'm actually going to post a link to a couple 0:02:19.200 --> 0:02:23.520 of vetted gofundmes that are crowdsourcing funds that are going 0:02:23.560 --> 0:02:27.400 to be dispursed specifically to residents in the Altadena community. 0:02:27.560 --> 0:02:29.840 So one of those funds is trying to raise five 0:02:29.880 --> 0:02:33.639 million dollars to provide Altadena families with temporary housing, help 0:02:33.680 --> 0:02:36.360 them pay for their bills, and aid in the rebuilding effort. 0:02:36.880 --> 0:02:40.400 And this is sponsored by the Cochrane Firm and Ivy McNeil, 0:02:40.440 --> 0:02:44.760 Wyatt Percell and DIGS, which are two black owned law 0:02:44.800 --> 0:02:47.600 firms in the state of California. So we need to 0:02:47.600 --> 0:02:50.360 help this community. One hundred percent of the funds raised 0:02:50.800 --> 0:02:53.400 through this initiative are going to be going to victims 0:02:53.440 --> 0:02:57.640 impacted in the Pasadena and Altadena community. If you're listening 0:02:57.680 --> 0:03:00.000 and you've been impacted by the wildfires and you would 0:03:00.080 --> 0:03:02.760 like support from the Brand Ambition community, feel free to 0:03:02.840 --> 0:03:05.720 DM me Brown Ambition Podcast on IG or you can 0:03:05.800 --> 0:03:09.240 hit me up personally via email. Brand Ambition Podcast at 0:03:09.280 --> 0:03:11.320 gmail dot com and a member of our team. We'll 0:03:11.320 --> 0:03:30.280 get back to you. A S A P. Thank you, Hey, 0:03:30.360 --> 0:03:34.000 ba fam, I am back. We are back with the 0:03:34.120 --> 0:03:36.560 BA round Table. First of all, can we just do 0:03:36.600 --> 0:03:39.480 a quick victory lap, a quick little like snap moment. 0:03:40.760 --> 0:03:45.200 Y'all really love it. They love the panel, the round table, 0:03:45.600 --> 0:03:48.880 they love We're folks for They love y'all, they love 0:03:48.960 --> 0:03:51.600 Chris and y'a Nellie, and everyone has just been so 0:03:51.800 --> 0:03:54.600 kind BA Faan, so thank you, thank you, thank you 0:03:55.440 --> 0:03:59.440 all your dms, all your comments, the comments on YouTube, 0:03:59.680 --> 0:04:02.240 y'all just I mean, you always have they always have 0:04:02.320 --> 0:04:05.280 been incredible. But yeah, thank you to Chris and yan 0:04:05.320 --> 0:04:09.080 Nelly too for being my guinea pigs anytime. 0:04:09.120 --> 0:04:10.360 Girl. So much fun. 0:04:11.280 --> 0:04:13.080 And I want to be clear because I am switching 0:04:13.160 --> 0:04:15.000 up the round table, so don't get too used to 0:04:15.080 --> 0:04:17.400 Chris and not yan Nelly. Okay, there's gonna be some 0:04:17.480 --> 0:04:19.599 really fun people popping in and out of the BA 0:04:19.760 --> 0:04:22.880 round Table, but it is. Yeah. I don't think I 0:04:22.920 --> 0:04:28.120 picked wrong at all for my first for my first couple. Yeah, 0:04:28.160 --> 0:04:29.960 so what should we dive into? First? Chris, I had 0:04:29.960 --> 0:04:32.360 told myself that you'd be in SF right now. I 0:04:32.400 --> 0:04:35.160 was like Oh, yeah, he's moving. That's why we're doing 0:04:35.200 --> 0:04:37.720 it on a different day. But then I don't think 0:04:37.760 --> 0:04:38.760 you are, We're. 0:04:39.040 --> 0:04:41.440 I am moving. So next week I would have been. 0:04:41.320 --> 0:04:43.680 All, you're not there yet, okay, packing up. 0:04:43.720 --> 0:04:46.560 So I'm today, I'm in the process of this is 0:04:46.560 --> 0:04:48.640 like my last stay of having my full death setup 0:04:48.680 --> 0:04:50.720 with the lights and camera and mic, and it's all 0:04:50.760 --> 0:04:53.560 getting boxed up and getting ready to get out of here. 0:04:53.560 --> 0:04:57.120 And I'm excited, a little stressed, more I say, more 0:04:57.120 --> 0:04:59.320 excited than stress. So I'm doing all right. 0:04:59.480 --> 0:05:01.400 Two years it wasn't enough time for you to wait, 0:05:01.440 --> 0:05:03.120 you know, get all the things in order. 0:05:03.520 --> 0:05:06.000 Like I'm not gonna put everything in boxes for two years. 0:05:06.000 --> 0:05:08.120 I got to make sure I'm making the decision. But 0:05:08.440 --> 0:05:11.560 I'm literally getting rid of almost everything, like almost all 0:05:11.560 --> 0:05:13.920 my stuff I've been giving away to friends and family. 0:05:14.520 --> 0:05:19.200 I'm literally taking my clothes, my equipment, and that's pretty 0:05:19.240 --> 0:05:19.599 much it. 0:05:19.839 --> 0:05:21.640 Wow, yeah, I mean it makes sense. 0:05:21.640 --> 0:05:23.360 Wait are you good, Chris out there with all those 0:05:23.360 --> 0:05:26.120 fires in La. I'm just seeing how horrible this footage 0:05:26.160 --> 0:05:29.200 is and it's just like heartbreaking. 0:05:29.160 --> 0:05:31.280 It's rough. I'm thankfully farting away. 0:05:31.320 --> 0:05:35.680 So I'm about thirty miles south of those fires, so 0:05:35.839 --> 0:05:37.719 we get some of the smoke, like it's a couple 0:05:37.720 --> 0:05:39.400 of days ago, the smell was horrible and there's an 0:05:39.400 --> 0:05:42.920 aucy ash falling from the sky, but no danger whatsoever 0:05:42.960 --> 0:05:44.640 because it's just a bunch of like cities between me 0:05:44.720 --> 0:05:48.839 and there. Basically it's the hills above La. There's a 0:05:49.080 --> 0:05:52.000 near Malibu near Pasadena. That side is like it's not 0:05:52.040 --> 0:05:53.760 really developed, so it's just a bunch of like green 0:05:53.880 --> 0:05:55.880 shrubs and stuff like that. And it's been no rain 0:05:55.920 --> 0:05:58.320 at all really this year for so it's super dry, 0:05:58.360 --> 0:06:01.080 so all that stuff starts catching on fire, and it's 0:06:01.120 --> 0:06:03.000 been bad, like I can't even imagine. I know a 0:06:03.040 --> 0:06:04.840 couple of people who are near closer to it. I 0:06:04.839 --> 0:06:07.800 know some people who gotten evacuated. It's it's rough over there. 0:06:07.800 --> 0:06:09.560 But thankfully me and my family most of us are 0:06:09.640 --> 0:06:12.240 all so far south that we can smell it, but 0:06:12.279 --> 0:06:12.680 we just can't. 0:06:12.680 --> 0:06:13.760 We're not affected by it at all. 0:06:14.279 --> 0:06:18.200 Yeah, I mean, yeah, I mean SF doesn't really, Well 0:06:18.200 --> 0:06:20.719 that's not true because SF was getting some like crazy 0:06:21.600 --> 0:06:24.560 yeah smoke and like the sky and stuff. There's nowhere safe, 0:06:24.600 --> 0:06:27.200 it feels like in the state. So you know, I know, 0:06:27.240 --> 0:06:29.200 that you seem calm, but maybe you shouldn't be. Maybe 0:06:29.200 --> 0:06:30.000 you should be worried. 0:06:30.480 --> 0:06:34.040 No, it's the thing is around here. It's it's just 0:06:34.080 --> 0:06:36.240 city after city. I feel like so many of the states, 0:06:36.320 --> 0:06:36.920 it feels. 0:06:36.680 --> 0:06:39.360 Like you're putting people in your path, like you're you're 0:06:39.440 --> 0:06:42.200 like human shielding the rest of the state. I didn't 0:06:42.240 --> 0:06:44.400 put them there, people in those cities. Chris, You're like, 0:06:45.080 --> 0:06:47.520 because there's like forty thousand people between me and the fire. 0:06:47.600 --> 0:06:49.160 So oh no, hold up. I don't like when you 0:06:49.200 --> 0:06:52.880 spined my words. I feel like the first episode for office, 0:06:53.279 --> 0:06:56.200 I can't because you have to destroyed my campaign. I'm like, 0:06:56.360 --> 0:07:00.720 handedly hand Manda's and hop on. You know this put 0:07:01.240 --> 0:07:04.400 thousands millions of Los Angelinos in the path of this 0:07:04.480 --> 0:07:06.320 fire to save himself and his family. 0:07:06.560 --> 0:07:07.760 Do you want to run your country? 0:07:07.839 --> 0:07:07.880 No? 0:07:08.040 --> 0:07:11.160 That's that's like I mean, you and Mayor Karen Bass 0:07:11.240 --> 0:07:16.560 right now gett getting toe up, toe up. But that's 0:07:16.560 --> 0:07:20.120 a good you know. I was paying attention to sort 0:07:20.120 --> 0:07:24.000 of the headlines around the wildfires and on the business 0:07:24.040 --> 0:07:26.679 side of things. I have some like business bullet points 0:07:26.720 --> 0:07:29.160 to go over, but one of them is two companies 0:07:29.200 --> 0:07:33.200 have been getting dragged one. Well, I would say there's 0:07:33.240 --> 0:07:35.760 one company in particular I've been seeing, but I would 0:07:35.800 --> 0:07:40.760 just put this whole category of home insures, the biggest 0:07:40.760 --> 0:07:44.200 one being State Farm, and hey, state Farm, I'm scared 0:07:44.240 --> 0:07:46.280 of you. Even though you sponsored this show. I'm keeping 0:07:46.280 --> 0:07:49.000 this in here. We run their State Farm as in 0:07:49.040 --> 0:07:51.520 every episode, I feel like, but State Farm right now 0:07:51.560 --> 0:07:56.480 in California, apparently reports are saying that they've dropped thirty 0:07:56.560 --> 0:07:59.720 thousand homeowners from their policy. And it's not like a 0:07:59.800 --> 0:08:05.080 new thing, isn't that like for fire insurance specifically. 0:08:04.360 --> 0:08:08.840 Are you going to refund me my premiums? Because what? What? 0:08:09.040 --> 0:08:11.160 How does that? How is that legal? Is my question. 0:08:11.320 --> 0:08:13.640 I've literally been paying you these premiums every single month 0:08:13.720 --> 0:08:15.960 for years, and now you're just gonna dip on me 0:08:16.160 --> 0:08:18.240 and I get nothing, and like so we just as 0:08:18.240 --> 0:08:21.200 if nothing to me, that is so it should be 0:08:21.240 --> 0:08:22.440 so illegal. 0:08:22.760 --> 0:08:25.640 Yeah, because the thing is, like, that's what insurance companies 0:08:25.640 --> 0:08:27.360 are here for. It's not for when things are good 0:08:27.360 --> 0:08:29.560 and nothing's happening, you don't have to pay out any claims. 0:08:29.640 --> 0:08:31.679 The point is, hey, look you're getting money with stuff 0:08:31.720 --> 0:08:34.000 was and catching on fire now it is that's when 0:08:34.040 --> 0:08:36.240 you need to pay up and yeah, like you said, 0:08:36.520 --> 0:08:38.200 it shouldn't be this thing where I know a lot 0:08:38.240 --> 0:08:41.000 of people have had the resort to state insurance, like 0:08:41.000 --> 0:08:43.800 the bare minimum type of insurance now because there are 0:08:43.840 --> 0:08:45.880 no none of these big companies that are willing to 0:08:45.880 --> 0:08:48.079 insure their homes when they've been collected money. 0:08:47.920 --> 0:08:48.440 All the time. 0:08:49.640 --> 0:08:51.240 And it's like, you've even done the right thing. You've 0:08:51.240 --> 0:08:53.960 gotten the fire insurance. The same thing happens in Florida 0:08:54.040 --> 0:08:55.600 right too, you nell, they have you heard about that 0:08:55.640 --> 0:08:58.520 with the flood insurance and hurricane damage insurance. 0:08:58.800 --> 0:09:00.800 The worst thing is a lot of people out here 0:09:00.880 --> 0:09:04.520 seem to think that their homeowner's insurance policy covers flooding 0:09:04.720 --> 0:09:07.040 when he does not. So unfortunately a lot of people 0:09:07.080 --> 0:09:09.400 they don't have separate flood insurance and then when worst 0:09:09.400 --> 0:09:10.840 comes to worse, they're like, wait, what do you mean 0:09:10.880 --> 0:09:13.320 I needed a separate policy. The thing that pisses me 0:09:13.360 --> 0:09:15.600 off is to see how many people did the thing, 0:09:15.720 --> 0:09:18.280 went and got the extra insurance to cover it, and 0:09:18.280 --> 0:09:20.720 now they're being screwed. It's like, how am I, as 0:09:20.720 --> 0:09:23.120 a financial educator, supposed to fix my mouth to tell 0:09:23.160 --> 0:09:26.280 people to go ahead, go above and beyond the basic 0:09:26.320 --> 0:09:29.839 coverage and get these additional insurance coverages and policies, and 0:09:29.880 --> 0:09:31.679 then they're looking at me like girl for what they 0:09:31.720 --> 0:09:34.040 don't even cover you when times get rough and they're 0:09:34.160 --> 0:09:37.880 right and we're right like now, to not trust insurance 0:09:37.880 --> 0:09:40.280 providers is to me, it's like founded. 0:09:40.360 --> 0:09:41.800 It's like, I'm that's valid. 0:09:42.080 --> 0:09:44.040 I don't know even how to respond and what to 0:09:44.080 --> 0:09:46.440 tell people when they reach out to me and ask me, 0:09:46.480 --> 0:09:47.400 you know what you think about this? 0:09:47.440 --> 0:09:48.160 What do you think about this? 0:09:48.400 --> 0:09:50.960 And people are gonna start canceling additional insurance left and 0:09:51.040 --> 0:09:55.560 right because the lack of trust. And I don't blame them. 0:09:55.679 --> 0:09:57.160 Chris, do you have fire insurance? 0:09:58.080 --> 0:09:58.240 Uh? 0:09:58.280 --> 0:10:01.200 No, not here, So I'm render Nige Burners assurance. But 0:10:01.240 --> 0:10:02.760 the risk of fire is so low where I live 0:10:02.840 --> 0:10:03.079 is not. 0:10:03.040 --> 0:10:03.480 Like a thing. 0:10:05.000 --> 0:10:06.199 Sound biting that for the future. 0:10:06.200 --> 0:10:09.440 But I know, like I'm moving, so you know, I 0:10:09.480 --> 0:10:10.440 hope nothing happens. 0:10:10.240 --> 0:10:12.400 Over here in your mouth with the dare for the universe, 0:10:12.960 --> 0:10:17.520 just really really bit, I'm fine. I'm fining forty thousand 0:10:17.559 --> 0:10:18.760 homes in between me and the fire. 0:10:19.160 --> 0:10:22.880 Again, those other words that I spoke on this podcast. 0:10:22.920 --> 0:10:24.679 I need to just lock this into the don't you edit? 0:10:24.720 --> 0:10:26.400 This out either, Mandy, don't you edit out wi all 0:10:26.400 --> 0:10:27.920 these disclaimers I've given afterwards? 0:10:28.120 --> 0:10:31.079 Okay, I'll let I'll let my editor know. The editor 0:10:31.160 --> 0:10:36.840 is me and Tanya it is yeah, I mean my 0:10:36.960 --> 0:10:39.560 dad and just insurance. And just to keep on this, 0:10:39.640 --> 0:10:42.160 my dad got dropped by his home insurance policy because 0:10:42.160 --> 0:10:44.920 a tree fell in his house and he used his insurance. 0:10:44.920 --> 0:10:47.480 God forbid you use it, you know, so he used 0:10:47.480 --> 0:10:50.200 it and then he gets penalized, and it's just, yeah, 0:10:50.200 --> 0:10:53.600 it's wild. So I'm hoping that, you know, I'm hoping 0:10:53.640 --> 0:10:56.800 to hear something different State Farm but because it's the 0:10:56.800 --> 0:10:59.480 biggest insurer in California. But I'm sure they're not alone. 0:10:59.480 --> 0:11:04.040 I'm sure there's their home insurance companies and insurance in general. Man. 0:11:04.400 --> 0:11:08.800 And you know, especially after that, god the murder that happened. 0:11:08.600 --> 0:11:10.679 Mario's brother, What Mario's brother. 0:11:10.520 --> 0:11:18.640 Did Mario's brother oeg Yes, I was never happier to 0:11:18.679 --> 0:11:21.520 not have to record an episode during that debacle because. 0:11:21.800 --> 0:11:23.600 I've been seeing so many people pull that out though, 0:11:23.640 --> 0:11:25.559 and they're like and then when people want to look 0:11:25.559 --> 0:11:28.120 at the reaction to Mario's brother, and it's like, now, 0:11:28.160 --> 0:11:30.080 look at what these insurance companies are doing with with 0:11:30.160 --> 0:11:32.120 fire home insurance and all these other types of insurance. 0:11:32.120 --> 0:11:34.960 It's like, why are people mat at insurance providers. I'm 0:11:34.960 --> 0:11:38.320 not justifying anything that has happened, which is wrong, wrong, 0:11:38.400 --> 0:11:38.840 is wrong. 0:11:39.160 --> 0:11:40.199 But when you look and. 0:11:40.160 --> 0:11:42.680 See why, when people have no clue why these things 0:11:42.679 --> 0:11:44.800 are happening, and they sit around go like, I'm just 0:11:44.880 --> 0:11:45.640 so befuddled. 0:11:45.640 --> 0:11:48.400 I don't know why this would happen. Really, you got 0:11:48.520 --> 0:11:50.920 no clue what mess is going on? 0:11:51.040 --> 0:11:53.280 Like, look look at this, and these are clear symptoms 0:11:53.320 --> 0:11:56.440 of a system that is neglecting people and truly just 0:11:57.640 --> 0:12:01.640 honestly taking advantage of people. That's like the base level 0:12:01.640 --> 0:12:03.360 of what's going on here. So I really do think 0:12:03.400 --> 0:12:07.840 it requires a national conversation about, you know, repairing trust 0:12:08.000 --> 0:12:10.679 among people, especially consumers in this country that are like, 0:12:11.000 --> 0:12:12.400 I've done everything right, How are you. 0:12:12.320 --> 0:12:13.440 Going to screw me over like this? 0:12:13.600 --> 0:12:15.880 You know, versus people who if you're going through life 0:12:15.920 --> 0:12:18.200 not getting the insurance you need, not paying premiums, not 0:12:18.240 --> 0:12:19.480 doing this, or not doing that. 0:12:19.880 --> 0:12:20.440 I get it. 0:12:20.640 --> 0:12:22.680 Those are people who kind of, you know, they're flying 0:12:22.720 --> 0:12:24.280 by the seat of their pants. But when you look 0:12:24.280 --> 0:12:26.720 at the people that are truly like invested in doing 0:12:26.720 --> 0:12:29.800 the research and putting the money aside and sacrificing certain 0:12:29.800 --> 0:12:31.600 things so that they can afford these things, and then 0:12:31.679 --> 0:12:32.920 not getting. 0:12:32.880 --> 0:12:34.319 What they owe what they're doing. 0:12:34.760 --> 0:12:36.480 It's just heartbreaking and frustrating. 0:12:37.160 --> 0:12:40.720 I mean that begs the question in certain situations, should 0:12:40.720 --> 0:12:42.680 you have your own I mean, if you can afford 0:12:42.679 --> 0:12:45.400 to have your own savings on the side to get 0:12:45.440 --> 0:12:48.319 yourself you know, like how much. I mean it's an 0:12:48.520 --> 0:12:53.520 entire house, but to have emergency savings of your own, 0:12:53.640 --> 0:12:55.360 so that if something for the worst were to happen, 0:12:55.360 --> 0:12:57.520 that you and your family at least could have, you know, 0:12:57.720 --> 0:13:00.880 enough money for hotels. Days we have seen Airbnb, yes, 0:13:00.960 --> 0:13:04.520 Airbnb coming out and offerings free, free stays, you know, 0:13:04.720 --> 0:13:07.200 getting some flack because apparently they haven't done that in 0:13:07.280 --> 0:13:11.640 past wildfires that have impacted lower income areas and all that. 0:13:11.920 --> 0:13:15.920 Oh yeah, but the Airbnb, the state farm of it all. 0:13:18.880 --> 0:13:21.199 My heart goes out to homeowners. And if you think 0:13:21.280 --> 0:13:23.880 people in California are not just like us, I mean, 0:13:24.200 --> 0:13:28.160 that's another I think issue is that people are thinking, oh, California, 0:13:28.679 --> 0:13:30.960 they got money out there, the celebrities will just like 0:13:31.200 --> 0:13:35.080 save everybody. But these are a lot of working class people, 0:13:35.120 --> 0:13:38.640 a lot of immigrants, a lot of people who live 0:13:38.679 --> 0:13:43.000 on the edge financially, and they deserve compassion and support. 0:13:43.320 --> 0:13:45.600 Yeah, I think California is a very expensive place to 0:13:45.640 --> 0:13:47.600 live relative to the rest of the country, maybe outside 0:13:47.640 --> 0:13:49.839 of like in New York or I goes Seattle or 0:13:49.880 --> 0:13:52.319 something like that, Miami. But the thing is that people here, 0:13:52.360 --> 0:13:55.520 like you're still not making significantly more compared to the 0:13:55.559 --> 0:13:57.720 costs of living. I know so many people who have 0:13:58.280 --> 0:14:01.040 solid jobs. They would be solidly middle class by any standard, 0:14:01.120 --> 0:14:03.200 but the host of living has gotten so high out 0:14:03.240 --> 0:14:06.400 here that they're pressing their stretched to their limits. But 0:14:06.480 --> 0:14:09.600 between that, I mean, they have childcare, they got health insurance, 0:14:09.600 --> 0:14:11.480 they got all these things to add up food costs 0:14:11.679 --> 0:14:14.280 that it's so difficult. I know very few people who 0:14:14.280 --> 0:14:16.600 are my age who even own a home just because 0:14:16.720 --> 0:14:19.000 the prices are so expensive. Like your mortgage is going 0:14:19.040 --> 0:14:21.000 to be five, six, seven thousand dollars a month, and 0:14:21.040 --> 0:14:23.200 that's a lot of money. So many people are just like, 0:14:23.240 --> 0:14:24.760 even if they want to be a homeowner, they're forced 0:14:24.760 --> 0:14:27.360 to be a renter. And you just it's like, it's 0:14:27.400 --> 0:14:30.080 not California great. Play is very prosperous, a lot of 0:14:30.120 --> 0:14:33.000 money flowing around, but the average person is just living 0:14:33.040 --> 0:14:35.680 a very basic life and oftentimes stretch. 0:14:35.760 --> 0:14:38.400 Really, then yeah, we got to speak on that. And 0:14:38.440 --> 0:14:41.480 I mean climate change in general. We know that like 0:14:41.560 --> 0:14:46.200 these these disasters, the what's happening in the environment, it 0:14:46.880 --> 0:14:50.520 adversely impacts brown communities, Black and brown communities so much more. 0:14:50.680 --> 0:14:53.520 I mean, who do you think lives on the you know, 0:14:53.600 --> 0:14:55.800 on the Gulf coast getting their homes flooded every time 0:14:55.840 --> 0:14:58.480 another hurricane comms. Who do you think is going to 0:14:58.560 --> 0:14:59.840 be are going to be the people who are in 0:14:59.840 --> 0:15:02.440 the these areas that are not going to have you know, 0:15:02.680 --> 0:15:07.240 the most sophisticated rescue services that can come and rescue 0:15:07.280 --> 0:15:09.960 them and help put out fires and save them from flooding. 0:15:10.000 --> 0:15:13.760 I mean, climate change is to me a race and 0:15:13.960 --> 0:15:19.880 socioeconomic issue above all. And it's just you know, we're 0:15:19.920 --> 0:15:23.320 heading into this new administration and the lack of hope 0:15:23.640 --> 0:15:26.000 that I have, the lack of like optimism in terms 0:15:26.000 --> 0:15:29.240 of okay, well, maybe we'll genuinely get more supports, more 0:15:29.240 --> 0:15:32.600 social safety nets so that we can protect the most 0:15:33.280 --> 0:15:37.320 vulnerable communities from these disasters. That is just out the window. 0:15:37.360 --> 0:15:40.120 We got to protect ourselves. We got to lean on, 0:15:41.360 --> 0:15:43.920 you know, our elected officials at a local and state 0:15:44.040 --> 0:15:49.000 level more than hope that they're standing up and community, 0:15:49.160 --> 0:15:51.840 like your neighbors, support one another and take care of 0:15:51.920 --> 0:15:56.120 each other. Because he's just home crazy times. This Smowe 0:15:56.200 --> 0:15:58.960 in Georgia, the hell girl. 0:15:58.880 --> 0:16:03.280 I got Atlanta slow. They looked like the winners in 0:16:03.320 --> 0:16:04.400 New York back in the day. 0:16:04.520 --> 0:16:06.720 Like I was looking at these videos of Atlanta with 0:16:06.760 --> 0:16:09.000 the snow, I'm like, I can't believe it. 0:16:09.160 --> 0:16:10.200 I have never seen it like that. 0:16:10.240 --> 0:16:11.800 I mean, I've been to Atlanta a couple of times, 0:16:11.840 --> 0:16:14.480 but still never would have thought that much snow in 0:16:14.520 --> 0:16:15.600 Atlanta's wild. 0:16:16.520 --> 0:16:19.800 The blizzard of ninety three is one of my core memories. 0:16:19.840 --> 0:16:21.800 The blizzard in Atlanta of ninety three. I don't know, 0:16:21.840 --> 0:16:24.280 I think it was Midge, Middle Georgia or whatever, but 0:16:24.920 --> 0:16:27.280 and we literally had we were sledding on our hill 0:16:27.280 --> 0:16:30.440 outside our house on sheets of cardboard and like my 0:16:30.560 --> 0:16:33.320 dad inexplicably had a giant roll of plastic, Like I 0:16:33.360 --> 0:16:35.680 don't know what he used that for, but we would 0:16:35.720 --> 0:16:38.400 cut little we would cut sheets of plastic and cardboard 0:16:38.440 --> 0:16:40.640 boxes and we just had the best time. 0:16:41.400 --> 0:16:44.760 So well, that was what thirty years ago? There we go. 0:16:45.360 --> 0:16:48.640 Why you got to remind me, like, I mean, I'm 0:16:48.800 --> 0:16:51.760 just saying, I mean I was I was a week kid. 0:16:51.880 --> 0:16:55.760 I think I was in kid, you know, get out 0:16:55.760 --> 0:17:03.200 of here, oh man, okay, and other economics news job 0:17:03.280 --> 0:17:04.080 numbers came out. 0:17:04.240 --> 0:17:07.280 Jobs. It's always so it just never really makes sense 0:17:07.280 --> 0:17:09.440 to me. But the job numbers are really good. More 0:17:09.440 --> 0:17:12.879 companies are hiring, and it's all like, yay is it. 0:17:13.119 --> 0:17:15.520 I feel like it doesn't match anecdotally what I'm never 0:17:15.600 --> 0:17:19.439 doing this human experience. Yeah, because I've been talking to 0:17:19.480 --> 0:17:20.760 so many of my friends that are like girl, I've 0:17:20.760 --> 0:17:22.760 been applying for jobs for the past four years, haven't 0:17:22.760 --> 0:17:25.320 been able to get a job. Or they'll be like 0:17:25.400 --> 0:17:28.840 going through interview processes and then it doesn't go anywhere, 0:17:28.880 --> 0:17:30.600 and it just feels like they're checking the box by 0:17:30.600 --> 0:17:32.439 interviewing people, but they already knew who they were going 0:17:32.480 --> 0:17:34.800 to hire because it was somebody's friend from inside the company. 0:17:34.880 --> 0:17:36.480 And there's so much of that going on. 0:17:36.640 --> 0:17:36.960 I don't. 0:17:37.000 --> 0:17:40.000 I saw those numbers and I was like, really, I don't. 0:17:40.040 --> 0:17:42.560 I just it's just something it feels like a disconnect. 0:17:42.760 --> 0:17:44.199 And of course I woke up in the market to 0:17:44.280 --> 0:17:46.159 like all red red red. It's because people are like, oh, no, 0:17:46.200 --> 0:17:48.720 the economy is actually stronger. Maybe that means there won't 0:17:48.720 --> 0:17:52.160 be as many you know, fed rate hikes, but it's. 0:17:52.000 --> 0:17:54.280 Like, uh, actually. 0:17:54.240 --> 0:17:56.680 I just feel like this doesn't match the situation that's 0:17:56.680 --> 0:17:58.720 actually going on. Or maybe it's just me, but that 0:17:58.840 --> 0:18:00.520 definitely feels off to me this time. 0:18:01.840 --> 0:18:05.360 Yeah, what are you hearing in the popcorn streets, Chris, Yeah, I. 0:18:05.280 --> 0:18:07.240 Think that's the thing too. I think it's very like 0:18:07.359 --> 0:18:09.760 industry specific too. I think that causes like a lot 0:18:09.760 --> 0:18:12.159 of like full if you're friends, Like for me, I 0:18:12.240 --> 0:18:13.679 have friends who aren't in the industries that are kind 0:18:13.680 --> 0:18:15.400 of like popping off right now that they're doing well. 0:18:15.440 --> 0:18:16.520 So then you see what. 0:18:16.720 --> 0:18:19.439 Some of those industries popping off? Is it all tech AI? 0:18:19.800 --> 0:18:20.119 Techs? 0:18:20.160 --> 0:18:21.399 Like you're hurting a little bit right now, but the 0:18:21.440 --> 0:18:23.400 AI for sure, for sure. I mean engineers are always 0:18:23.400 --> 0:18:24.879 gonna have a job. But obviously, like if you're in 0:18:24.880 --> 0:18:27.239 the AI field, you and be fine. And but there 0:18:27.280 --> 0:18:28.600 are some of the tech comings that have those huge 0:18:28.640 --> 0:18:30.560 layoffs and they still have been keeping their things. Yes, 0:18:30.560 --> 0:18:33.480 their business is very tight. So I mean healthcare is 0:18:33.480 --> 0:18:35.360 always a good one. They always gonna see growth there. 0:18:35.359 --> 0:18:38.960 But it's it's so divided. It's kind of like almost 0:18:39.000 --> 0:18:41.120 like like with class, right, like there's people who are always 0:18:41.040 --> 0:18:43.600