1
00:00:16,280 --> 00:00:19,080
Speaker 1: Back like a heart attack. Well, actually that's not what

2
00:00:19,120 --> 00:00:24,599
Speaker 1: you'd want to have back. But yeah, anyways, Mandy was

3
00:00:24,600 --> 00:00:27,080
Speaker 1: telling me about this wedding that she went to with

4
00:00:27,120 --> 00:00:27,880
Speaker 1: a terrible DJ.

5
00:00:28,400 --> 00:00:30,720
Speaker 2: Yeah, I mean it's such a fresh memory because so

6
00:00:30,800 --> 00:00:34,960
Speaker 2: right now I'm in Montana, Exotic Billings, Montana. Who wouldn't

7
00:00:34,960 --> 00:00:37,640
Speaker 2: want to be in Montana in February. I mean, it's

8
00:00:37,680 --> 00:00:41,360
Speaker 2: just delightful and heels no less. Yeah, so I'm one

9
00:00:41,400 --> 00:00:45,320
Speaker 2: of my best friends from I'm you know, you know,

10
00:00:45,360 --> 00:00:48,440
Speaker 2: you have like your camp friends who you meet once

11
00:00:48,520 --> 00:00:50,440
Speaker 2: and you spend like maybe one week together, but your

12
00:00:50,440 --> 00:00:52,920
Speaker 2: best friends for life. So I never went to camp,

13
00:00:52,960 --> 00:00:55,520
Speaker 2: but I did this. I did alternative spring break in

14
00:00:55,560 --> 00:00:59,640
Speaker 2: college where we did Hurricane Contrina volunteering on the Gulf coast,

15
00:00:59,680 --> 00:01:01,920
Speaker 2: and I I made this group of friends who have

16
00:01:02,080 --> 00:01:04,399
Speaker 2: just been like family ever since. So we we go

17
00:01:04,520 --> 00:01:07,200
Speaker 2: big for each other. So that includes going to Montana

18
00:01:07,240 --> 00:01:12,759
Speaker 2: for their wedding in February. And but yeah, you know Montana,

19
00:01:12,760 --> 00:01:16,479
Speaker 2: I've been here before. It's beautiful, it's it's everyone's super nice.

20
00:01:16,560 --> 00:01:20,800
Speaker 2: But I didn't expect the DJ for this wedding to

21
00:01:20,800 --> 00:01:24,080
Speaker 2: be as bad, Like I didn't know that DJs could

22
00:01:24,120 --> 00:01:27,880
Speaker 2: be that bad. How hard is it? You know? Like

23
00:01:28,240 --> 00:01:31,200
Speaker 2: they literally played we were The reception was like six

24
00:01:31,240 --> 00:01:34,120
Speaker 2: hours long. I mean for one thing, because there was

25
00:01:34,160 --> 00:01:36,920
Speaker 2: long time. There were three hundred over three hundred people

26
00:01:37,440 --> 00:01:42,119
Speaker 2: and like the food line took me two hours. Two hours.

27
00:01:42,120 --> 00:01:45,240
Speaker 1: No, not the food line, I oh, because.

28
00:01:45,000 --> 00:01:46,600
Speaker 2: There was you know, it was like a very small

29
00:01:46,600 --> 00:01:49,000
Speaker 2: buffet and then like basically and the buffet was in

30
00:01:49,040 --> 00:01:50,800
Speaker 2: the middle of the dance floor, so we were like,

31
00:01:50,880 --> 00:01:53,240
Speaker 2: oh no, this sceans We're not going to be dancing

32
00:01:53,280 --> 00:01:57,400
Speaker 2: for like three hours. And sure enough, finally finally finally

33
00:01:57,600 --> 00:02:00,880
Speaker 2: cleared it off the dance floor like out their plates

34
00:02:00,960 --> 00:02:04,440
Speaker 2: or whatever, and then it just went downhill from the

35
00:02:04,560 --> 00:02:08,280
Speaker 2: very first song. It was like really slow, not even

36
00:02:08,360 --> 00:02:10,880
Speaker 2: good dancy country, because like I can get down to

37
00:02:10,960 --> 00:02:13,280
Speaker 2: some carrying on wood like some garden works, I can

38
00:02:13,280 --> 00:02:19,240
Speaker 2: get down right, but they didn't even play good stuff.

39
00:02:19,240 --> 00:02:21,560
Speaker 2: It was like it was like the kind of like

40
00:02:21,880 --> 00:02:24,320
Speaker 2: country music that would be on a bad infomercial for

41
00:02:24,400 --> 00:02:27,120
Speaker 2: like make America Graatagan Hats or something. It felt like

42
00:02:27,120 --> 00:02:29,240
Speaker 2: I was at a Trump rally. Let me tell you,

43
00:02:29,280 --> 00:02:31,800
Speaker 2: I've never seen so many and I love people. I

44
00:02:31,840 --> 00:02:34,840
Speaker 2: love everybody but I've never seen so many white people

45
00:02:34,919 --> 00:02:38,400
Speaker 2: doing the wobble and so many wrong ways in my life.

46
00:02:38,600 --> 00:02:41,519
Speaker 2: It was like it was like a bad dream. And

47
00:02:42,080 --> 00:02:46,000
Speaker 2: my friend Kevin, who I'm here with, we're rooming together.

48
00:02:46,080 --> 00:02:49,160
Speaker 2: Kevin is like six foot tall, beautiful black man, and

49
00:02:49,160 --> 00:02:50,960
Speaker 2: me and we are the brownest things of this wedding.

50
00:02:51,360 --> 00:02:53,760
Speaker 2: And when we when we get on the dance floor

51
00:02:54,000 --> 00:02:56,800
Speaker 2: for the wobble, you can see everyone eyes look to

52
00:02:56,880 --> 00:03:00,799
Speaker 2: us like we're dance instructors, Like, oh, the teachers how

53
00:03:01,080 --> 00:03:03,160
Speaker 2: like they know they know everyone look at them.

54
00:03:03,960 --> 00:03:06,359
Speaker 1: Kvin like, remember like growing up in Westfield, which is

55
00:03:06,440 --> 00:03:09,959
Speaker 1: like majority white Jewish, and like going to like school dances.

56
00:03:10,000 --> 00:03:13,519
Speaker 1: And meanwhile, I can honestly say I do not have

57
00:03:14,120 --> 00:03:17,840
Speaker 1: I have basic basic rhythm, but I'm on the scale

58
00:03:17,840 --> 00:03:22,160
Speaker 1: of good dancer. I am, yeah, like a three. And

59
00:03:22,240 --> 00:03:23,760
Speaker 1: so we would go to school dances and then I

60
00:03:23,760 --> 00:03:25,280
Speaker 1: would get on the dance floor, you know, like the

61
00:03:25,320 --> 00:03:27,560
Speaker 1: only black girl out there, and they'd be like, oh,

62
00:03:28,160 --> 00:03:30,880
Speaker 1: Tiffany knows, and I'm like, yeah.

63
00:03:30,280 --> 00:03:33,240
Speaker 2: Here's Tiffany y'olltart to go down.

64
00:03:34,480 --> 00:03:36,920
Speaker 1: I'm like, actually, I'm hoping Julie can show us.

65
00:03:37,000 --> 00:03:39,960
Speaker 2: I know, well, I only do the wobble like once

66
00:03:40,000 --> 00:03:42,280
Speaker 2: every two years when I go to weddings, so I forget,

67
00:03:42,280 --> 00:03:44,400
Speaker 2: I need to like refresh my memory. Which way do

68
00:03:44,480 --> 00:03:47,040
Speaker 2: I go? And when do I you know? Oh my god,

69
00:03:48,000 --> 00:03:50,600
Speaker 2: it was it was too much. It was hilarious. But

70
00:03:51,280 --> 00:03:55,160
Speaker 2: congrats Eric and Natalie on your beautiful They had a

71
00:03:55,160 --> 00:03:57,040
Speaker 2: great time. That's all that matters.

72
00:03:57,280 --> 00:03:59,400
Speaker 1: Yeah, I was gonna say that is all that matters.

73
00:03:59,560 --> 00:04:02,840
Speaker 1: I on the wedding front, I'm like, uh so, I

74
00:04:02,840 --> 00:04:06,520
Speaker 1: think because so we were going to, you know, do

75
00:04:06,640 --> 00:04:09,560
Speaker 1: something cute at Justice of the Piece, like, oh, at

76
00:04:09,640 --> 00:04:11,880
Speaker 1: least with my dress and this and that, and so

77
00:04:12,040 --> 00:04:14,280
Speaker 1: I told you about pinto a bridle, like offering me

78
00:04:14,360 --> 00:04:18,040
Speaker 1: a dress, and I just I just don't know why

79
00:04:18,000 --> 00:04:19,599
Speaker 1: I'm going to get out to Brooklyn to try it on.

80
00:04:20,000 --> 00:04:21,560
Speaker 1: I don't know. So he's like, why don't we just

81
00:04:21,640 --> 00:04:24,080
Speaker 1: go like Superman is like, what are we waiting on?

82
00:04:24,760 --> 00:04:26,440
Speaker 1: Forget all that, Let's just go to Justice at the

83
00:04:26,440 --> 00:04:28,159
Speaker 1: Piece and we could plan something in the spring. And

84
00:04:28,200 --> 00:04:30,280
Speaker 1: I'm like, Okay, I think that's what we're just gonna

85
00:04:30,320 --> 00:04:31,800
Speaker 1: end up doing, Like go to Justice at the Piece

86
00:04:31,839 --> 00:04:34,520
Speaker 1: in our jeans, don't take any pictures and just like

87
00:04:34,560 --> 00:04:38,440
Speaker 1: plan like a small intimate affair, like you know, like

88
00:04:38,440 --> 00:04:40,720
Speaker 1: like a reception, because I feel like that's what's been

89
00:04:40,720 --> 00:04:42,159
Speaker 1: holding me back. Like but wait, I've got to go

90
00:04:42,200 --> 00:04:43,880
Speaker 1: trying to dress. But wait, I gotta go get my

91
00:04:43,880 --> 00:04:46,520
Speaker 1: hair up. But wait, And he's like, oh my.

92
00:04:46,320 --> 00:04:51,080
Speaker 2: God, we've all seen sex in the city. What happened

93
00:04:51,080 --> 00:04:51,760
Speaker 2: to carry it big?

94
00:04:51,960 --> 00:04:54,320
Speaker 1: I know exactly I'm thinking that. I'm like, you know what,

95
00:04:54,320 --> 00:04:57,880
Speaker 1: maybe he's right because you know by now, you know,

96
00:04:57,920 --> 00:04:59,200
Speaker 1: if it would have been up to him, we would

97
00:04:59,200 --> 00:05:01,560
Speaker 1: have been married like to weeks after we got engaged.

98
00:05:01,600 --> 00:05:04,160
Speaker 1: And he's like, well, I don't I don't understand why

99
00:05:04,160 --> 00:05:07,800
Speaker 1: we're reading like especially we're already going to plan like,

100
00:05:07,800 --> 00:05:09,520
Speaker 1: like I said, a reception in the spring, and the

101
00:05:09,600 --> 00:05:11,960
Speaker 1: reason for like kind of like not the rush. But

102
00:05:12,040 --> 00:05:14,039
Speaker 1: he's like, you're paying all this money and insurance. You

103
00:05:14,080 --> 00:05:16,520
Speaker 1: don't even have as much coverage as I could give you.

104
00:05:16,720 --> 00:05:19,839
Speaker 1: He's like, so why not let us get married. You know,

105
00:05:20,120 --> 00:05:22,159
Speaker 1: we're going to get married anyway, and then we'll have

106
00:05:22,279 --> 00:05:25,400
Speaker 1: something cute, but like, let's get the mechanics of it

107
00:05:25,440 --> 00:05:27,719
Speaker 1: out of the way, you know, so we.

108
00:05:27,839 --> 00:05:31,680
Speaker 2: Still have you can still have a romantic like ceremony

109
00:05:31,720 --> 00:05:33,640
Speaker 2: at the Justice of the Piece if you if you like,

110
00:05:34,160 --> 00:05:36,320
Speaker 2: you know, you could have a nice little brunch afterward,

111
00:05:36,520 --> 00:05:38,680
Speaker 2: and you can wear a nice outfit. I mean, I've

112
00:05:38,680 --> 00:05:41,680
Speaker 2: seen some really romantic photos of people and that's.

113
00:05:41,680 --> 00:05:43,880
Speaker 1: I want to do that. But I guess the planning

114
00:05:43,920 --> 00:05:46,200
Speaker 1: of that, it's what keeps dragging me back, you know,

115
00:05:46,440 --> 00:05:48,679
Speaker 1: because I'm like, oh, and then the wait is Tanta

116
00:05:48,760 --> 00:05:50,360
Speaker 1: going to be able to take my picture? And then

117
00:05:50,360 --> 00:05:51,680
Speaker 1: what am I going to get my hair out? Who's

118
00:05:51,680 --> 00:05:54,080
Speaker 1: going to do? And then I'm like, I don't want

119
00:05:54,120 --> 00:05:56,919
Speaker 1: to think about it. I just wish I had like

120
00:05:56,960 --> 00:06:01,320
Speaker 1: a I honestly hate, hate, hate planning events like.

121
00:06:01,440 --> 00:06:03,400
Speaker 2: I well, it doesn't have to be a whole thing.

122
00:06:04,520 --> 00:06:06,640
Speaker 1: I know it sounds easier and said than done, but

123
00:06:06,800 --> 00:06:08,640
Speaker 1: like I.

124
00:06:07,880 --> 00:06:09,640
Speaker 2: Just pretend like you have a conference to go to

125
00:06:09,760 --> 00:06:11,120
Speaker 2: and you need your team.

126
00:06:11,720 --> 00:06:14,120
Speaker 1: I know, right even that, I'm like, oh, I hate that.

127
00:06:14,600 --> 00:06:18,160
Speaker 1: And We've been like like really trying to like hone

128
00:06:18,200 --> 00:06:20,599
Speaker 1: down on like house shopping. Who knew I'm learning so

129
00:06:20,680 --> 00:06:23,839
Speaker 1: much many like for example, the taxes in Newark. I

130
00:06:23,839 --> 00:06:25,799
Speaker 1: mean I don't you know, I don't know what there's

131
00:06:25,960 --> 00:06:27,520
Speaker 1: what's a lot, and what's a little when it comes

132
00:06:27,560 --> 00:06:29,920
Speaker 1: to taxes. And so, you know, looking at bolt of

133
00:06:30,279 --> 00:06:33,840
Speaker 1: multi family houses, and taxes range from in Newark on

134
00:06:33,880 --> 00:06:36,400
Speaker 1: the low end, maybe like three or four thousand, on

135
00:06:36,440 --> 00:06:38,120
Speaker 1: the higher end maybe like six thousand.

136
00:06:38,160 --> 00:06:38,320
Speaker 2: You know.

137
00:06:38,360 --> 00:06:40,280
Speaker 1: So I'm like, I don't know, good or bad. We

138
00:06:40,320 --> 00:06:44,240
Speaker 1: go one town over to East Orange that because we're

139
00:06:44,279 --> 00:06:47,360
Speaker 1: having a hard time finding a home in Newark, taxes

140
00:06:47,400 --> 00:06:53,479
Speaker 1: are like thirteen twelve, sixteen thousand dollars. Like me, what

141
00:06:53,720 --> 00:06:56,279
Speaker 1: I didn't know. I didn't realize that Newark had much

142
00:06:56,400 --> 00:07:00,320
Speaker 1: lower taxes. And it's not like, oh, I can see

143
00:07:00,360 --> 00:07:03,039
Speaker 1: why East Orange taxes are so high because the school

144
00:07:03,040 --> 00:07:06,159
Speaker 1: system's amazing. It's not. And so I'm like, so, I

145
00:07:06,160 --> 00:07:08,240
Speaker 1: don't why are the taxes so high. So a friend

146
00:07:08,240 --> 00:07:09,760
Speaker 1: of mine was just telling me that the city has

147
00:07:09,840 --> 00:07:16,560
Speaker 1: kind of mismanaged. They've given tax abatements to large corporations

148
00:07:16,600 --> 00:07:19,880
Speaker 1: and as a result, they've had to over tax their citizens.

149
00:07:20,200 --> 00:07:23,440
Speaker 1: And I'm like, oh, so even in Newark, like we

150
00:07:23,520 --> 00:07:26,040
Speaker 1: will see homes that we really like, this has been

151
00:07:26,040 --> 00:07:28,360
Speaker 1: the struggle. But then like you get there and you're like,

152
00:07:28,480 --> 00:07:30,600
Speaker 1: oh my gosh, the home is next to two abandoned

153
00:07:30,600 --> 00:07:34,240
Speaker 1: properties and I'm like, why are these properties like abandoned

154
00:07:34,240 --> 00:07:36,960
Speaker 1: for so long? And I'm thinking, are people not wanting

155
00:07:37,000 --> 00:07:38,880
Speaker 1: to invest in? My realtor is like no, She's like,

156
00:07:38,880 --> 00:07:40,760
Speaker 1: I've got a ton of investors. I wanted to invest.

157
00:07:41,040 --> 00:07:44,520
Speaker 1: But what's happened in Newark is that people are holding

158
00:07:44,600 --> 00:07:49,400
Speaker 1: properties waiting for gentrification, meaning that like the bank or

159
00:07:49,440 --> 00:07:52,000
Speaker 1: an owner will hold a property it's broken down, but

160
00:07:52,040 --> 00:07:54,520
Speaker 1: maybe they bought it for like ten thousand dollars, you know,

161
00:07:54,600 --> 00:07:57,200
Speaker 1: they are paying nothing to keep it up, and they're

162
00:07:57,240 --> 00:08:01,480
Speaker 1: waiting for Newark is resurging, and when that happens, they'll

163
00:08:01,480 --> 00:08:03,160
Speaker 1: sell it for like, you know, ten times more than

164
00:08:03,160 --> 00:08:04,880
Speaker 1: they bought it for. So I'm like, so you destroy

165
00:08:04,960 --> 00:08:07,360
Speaker 1: a neighborhood so you can wait to make a profit

166
00:08:07,400 --> 00:08:10,000
Speaker 1: ten years later, And the answer is yes, And I'm

167
00:08:10,040 --> 00:08:14,680
Speaker 1: like wow. So thankfully the mayor of our city is

168
00:08:14,720 --> 00:08:17,040
Speaker 1: addressing this now. He literally just addressed because it was

169
00:08:17,040 --> 00:08:18,960
Speaker 1: funny because it was like that day I went out

170
00:08:19,240 --> 00:08:22,280
Speaker 1: house shopping and I'm just looking like so disappointed, like

171
00:08:22,280 --> 00:08:25,200
Speaker 1: oh love this house, Oh abandoned house next door, Oh

172
00:08:25,280 --> 00:08:27,680
Speaker 1: love this house, Oh abandoned house up the street, And

173
00:08:27,720 --> 00:08:30,560
Speaker 1: I'm like, what, how can you I don't want to

174
00:08:30,600 --> 00:08:32,680
Speaker 1: live next to an abandoned house, you know, like that's

175
00:08:32,679 --> 00:08:35,560
Speaker 1: not something that I'm like, well, I get compromise on

176
00:08:35,600 --> 00:08:38,800
Speaker 1: there being a boarded up house across the street. I can't.

177
00:08:39,440 --> 00:08:41,959
Speaker 1: And so he, you know, he's addressing that, thankfully, the

178
00:08:42,000 --> 00:08:47,439
Speaker 1: Mayor wils baraka he is basically like working to either

179
00:08:47,559 --> 00:08:50,400
Speaker 1: force in these companies to fix up these homes, sell

180
00:08:50,440 --> 00:08:53,320
Speaker 1: them or fix the like fix them up to sell,

181
00:08:53,400 --> 00:08:55,480
Speaker 1: fix them up to rent, or just fix them up

182
00:08:55,480 --> 00:08:57,360
Speaker 1: to live in, or the city's going to take over

183
00:08:58,280 --> 00:09:03,120
Speaker 1: because enough is enough, Like like Newark. Even though downtown

184
00:09:03,200 --> 00:09:05,920
Speaker 1: Newark and Newark is definitely doing better, when you actually

185
00:09:05,920 --> 00:09:10,000
Speaker 1: go into the neighborhoods, you see that not much has changed,

186
00:09:10,040 --> 00:09:12,760
Speaker 1: and it's sad. And so I'm just glad because I

187
00:09:13,160 --> 00:09:15,000
Speaker 1: really do want to stay here. I love living in

188
00:09:15,040 --> 00:09:16,840
Speaker 1: New York, but I you know, I don't want to

189
00:09:16,840 --> 00:09:19,760
Speaker 1: compromise with like my daily life looking outside the window

190
00:09:19,840 --> 00:09:23,600
Speaker 1: at like you know, abandoned homes and properties and things.

191
00:09:23,640 --> 00:09:25,440
Speaker 1: So I've just been learning so much to this home

192
00:09:25,440 --> 00:09:29,680
Speaker 1: buying process, so political taxes, and I bought a home before,

193
00:09:29,760 --> 00:09:32,199
Speaker 1: but Newark is like a whole other animal, you know.

194
00:09:32,800 --> 00:09:35,600
Speaker 2: Well, it's crazy because what didn't they what didn't don't

195
00:09:35,720 --> 00:09:39,000
Speaker 2: by by fixing up these abandoned houses, Like, wouldn't they

196
00:09:39,040 --> 00:09:41,600
Speaker 2: be attracting these sorts of people that you know, they

197
00:09:41,640 --> 00:09:42,920
Speaker 2: say that they're interested in attracting.

198
00:09:43,559 --> 00:09:45,240
Speaker 1: Well, that's not the point to them. The point is

199
00:09:45,480 --> 00:09:48,000
Speaker 1: the least amount of work and money put out for

200
00:09:48,080 --> 00:09:50,240
Speaker 1: the maximum out brought in. So you buy it like

201
00:09:50,280 --> 00:09:54,040
Speaker 1: an abandoned home or home, you know, and then that

202
00:09:54,160 --> 00:09:56,040
Speaker 1: was already kind of like broken down. And let's just

203
00:09:56,080 --> 00:09:57,960
Speaker 1: say you buy it for twenty thousand dollars cash, because

204
00:09:57,960 --> 00:10:00,520
Speaker 1: there's homes to NewYork for fifty thirty thousand, and then

205
00:10:00,600 --> 00:10:03,120
Speaker 1: you do nothing with it except for pay the low taxes,

206
00:10:03,280 --> 00:10:06,360
Speaker 1: so taxes might be three thousand dollars a year. You know,

207
00:10:06,400 --> 00:10:08,960
Speaker 1: you keep it for ten fifteen years, and then you

208
00:10:09,040 --> 00:10:11,079
Speaker 1: sell it when like, oh my gosh, everybody wants to

209
00:10:11,080 --> 00:10:12,920
Speaker 1: live in NewYork. Now you sell up for three thousand

210
00:10:12,920 --> 00:10:16,400
Speaker 1: and four hundred thousand, and so that's the end goal

211
00:10:16,480 --> 00:10:18,240
Speaker 1: because they have plenty of money, and you know, and

212
00:10:19,160 --> 00:10:21,240
Speaker 1: people are doing this in Detroit, they're doing it in

213
00:10:21,400 --> 00:10:24,400
Speaker 1: other cities like that. Basically buy and hold but not

214
00:10:24,400 --> 00:10:27,120
Speaker 1: putting any money into it. And what happens is that,

215
00:10:27,480 --> 00:10:31,199
Speaker 1: you know, as things are progressing around, these homes are

216
00:10:31,240 --> 00:10:33,360
Speaker 1: just laying there dead, and you're like, well, can you

217
00:10:33,400 --> 00:10:35,559
Speaker 1: fix it? Because I want to live here, like actually

218
00:10:35,600 --> 00:10:38,880
Speaker 1: live here. These investors are not living here, and you know,

219
00:10:38,920 --> 00:10:41,800
Speaker 1: they're just like, no, there's no money in it, not

220
00:10:42,000 --> 00:10:44,800
Speaker 1: as much money in it for them to sell early.

221
00:10:45,440 --> 00:10:47,720
Speaker 1: I'm glad that the mayor is taking steps because I

222
00:10:47,800 --> 00:10:49,560
Speaker 1: literally I just drove through and I was like, wow,

223
00:10:49,600 --> 00:10:52,720
Speaker 1: this is really sad, like nice house boarded up, nice house,

224
00:10:52,800 --> 00:10:55,400
Speaker 1: nice house boarded and you can tell people are trying,

225
00:10:55,440 --> 00:10:57,760
Speaker 1: but you know because and you think you're solf, Oh,

226
00:10:57,760 --> 00:10:59,720
Speaker 1: someone will eventually buy it. But some of these homes

227
00:10:59,720 --> 00:11:02,640
Speaker 1: you can tell by the way that it's worn and weathered.

228
00:11:02,800 --> 00:11:05,080
Speaker 1: You're like, this house has been here for years, boarded

229
00:11:05,160 --> 00:11:07,560
Speaker 1: up like this, so this is not a well it's

230
00:11:07,600 --> 00:11:09,840
Speaker 1: like this for now. But somebody will buy it. No,

231
00:11:10,040 --> 00:11:12,160
Speaker 1: somebody owns it. They're just not willing to sell it

232
00:11:12,200 --> 00:11:16,120
Speaker 1: because they're waiting, you know. And so yeah, I'm hoping

233
00:11:16,160 --> 00:11:18,360
Speaker 1: that something. You know, I'm going to really kind of

234
00:11:18,440 --> 00:11:20,560
Speaker 1: keep track of like what's happening, because like I said,

235
00:11:20,640 --> 00:11:22,600
Speaker 1: I want to live in the city of NewYork. Honestly,

236
00:11:22,920 --> 00:11:25,360
Speaker 1: Nework is a great place to live transportation wise. We've

237
00:11:25,360 --> 00:11:28,240
Speaker 1: got an international airport, We've got two trains that go

238
00:11:28,400 --> 00:11:32,480
Speaker 1: directly into New York City. It's like it's just like

239
00:11:32,559 --> 00:11:35,040
Speaker 1: so centrally located. What's so great is that, like you know,

240
00:11:36,120 --> 00:11:39,520
Speaker 1: we're closer to like Midtown than like Brooklyn is. So

241
00:11:39,600 --> 00:11:41,839
Speaker 1: if you have to get to Midtown, it's like living

242
00:11:41,840 --> 00:11:44,880
Speaker 1: in New York. Newark is like living in like New

243
00:11:44,960 --> 00:11:48,080
Speaker 1: York plus because you're like close enough that you could

244
00:11:48,120 --> 00:11:50,160
Speaker 1: get to the city and whatever you need to get to,

245
00:11:50,240 --> 00:11:52,280
Speaker 1: but far enough away that you don't have to pay

246
00:11:52,280 --> 00:11:55,480
Speaker 1: those premium prices. You know, don't tell anybody, I know.

247
00:11:57,960 --> 00:11:58,240
Speaker 1: I know.

248
00:11:58,280 --> 00:12:00,320
Speaker 2: That's how I steel living in Jersey City. I feel

249
00:12:00,320 --> 00:12:02,760
Speaker 2: like I'm cheating, Like I get I have a much

250
00:12:02,840 --> 00:12:05,440
Speaker 2: quicker commute than I've ever had to work in living

251
00:12:05,480 --> 00:12:09,319
Speaker 2: in Queens and like Manhattan, even like Uptown Uptown, Uptown,

252
00:12:10,640 --> 00:12:14,559
Speaker 2: but my equality of life is so much higher. Yeah, exactly.

253
00:12:14,640 --> 00:12:16,839
Speaker 2: Property taxes though, Like everyone I know who owns a

254
00:12:16,880 --> 00:12:18,800
Speaker 2: house in a nice part of the city, I mean

255
00:12:18,800 --> 00:12:20,120
Speaker 2: that's a nice part of the city, but the nice

256
00:12:20,120 --> 00:12:23,040
Speaker 2: part of the suburbs and Jersey and stuff outside of

257
00:12:23,080 --> 00:12:26,200
Speaker 2: New York. They basically pay a second mortgage payment for

258
00:12:26,240 --> 00:12:26,559
Speaker 2: their time.

259
00:12:26,760 --> 00:12:30,880
Speaker 1: Yes, I'm not doing that's crazy because you think to yourself,

260
00:12:31,280 --> 00:12:33,800
Speaker 1: let's just say your property taxes are twelve thousand dollars

261
00:12:33,840 --> 00:12:36,080
Speaker 1: a year. That means after you pay on your house,

262
00:12:36,080 --> 00:12:38,160
Speaker 1: pay off your house, you're still going to be paying

263
00:12:38,200 --> 00:12:42,600
Speaker 1: a thousand dollars a month for your house forever because

264
00:12:42,600 --> 00:12:45,120
Speaker 1: it's taxes plus more plus taxes go up every year.

265
00:12:45,559 --> 00:12:47,840
Speaker 1: That's crazy. That's why I'm like, uh, investing in York

266
00:12:47,920 --> 00:12:50,440
Speaker 1: is just such a you know, it's just so much

267
00:12:50,440 --> 00:12:54,920
Speaker 1: benefit to investing here and living here, and so yeah,

268
00:12:54,920 --> 00:12:57,120
Speaker 1: I'm just it's just frustrating because you're like, wait, I've

269
00:12:57,120 --> 00:12:58,840
Speaker 1: got the credit score, I've got the money I've got

270
00:12:58,840 --> 00:13:01,120
Speaker 1: to desire. And you're like you're thinking, like, well, that's

271
00:13:01,160 --> 00:13:04,480
Speaker 1: all you need, and it's like, oh, it's not so many.

272
00:13:04,920 --> 00:13:07,000
Speaker 1: I mean, we must have looked at so many houses.

273
00:13:07,040 --> 00:13:09,960
Speaker 1: I've gotten really good though, at like doing virtual tours

274
00:13:10,080 --> 00:13:12,960
Speaker 1: is like Google is the best, Like street view is everything,

275
00:13:13,480 --> 00:13:15,760
Speaker 1: because like you'll see a house you're like, ooh, super

276
00:13:15,840 --> 00:13:18,959
Speaker 1: cute hardwood floors, everything's new, and then you click on

277
00:13:19,040 --> 00:13:21,280
Speaker 1: street view and you can actually tour the neighborhood. With

278
00:13:21,360 --> 00:13:24,480
Speaker 1: street View, You're like, ooh, abandoned property, abandoned party, Like

279
00:13:24,480 --> 00:13:26,360
Speaker 1: I'm not even getting out of the house. So it's

280
00:13:26,559 --> 00:13:29,840
Speaker 1: we don't do as many drive throughs as like as before.

281
00:13:29,880 --> 00:13:32,600
Speaker 1: We just do street view, And if I see abandoned properties,

282
00:13:32,640 --> 00:13:34,000
Speaker 1: I'm like, yeah, we're not even gonna go to go

283
00:13:34,040 --> 00:13:36,560
Speaker 1: buy there. I had posted on Facebook, like you know,

284
00:13:36,600 --> 00:13:38,840
Speaker 1: about this issue, and so many people were like, you know,

285
00:13:39,240 --> 00:13:41,760
Speaker 1: wouldn't it be dope if we could like collectively get

286
00:13:41,760 --> 00:13:45,720
Speaker 1: together and buy like chunks of neighborhoods that are like

287
00:13:45,760 --> 00:13:47,800
Speaker 1: that and start to revitalize them. And actually I have

288
00:13:47,840 --> 00:13:50,120
Speaker 1: a few phone calls coming up to talk about like

289
00:13:50,160 --> 00:13:52,400
Speaker 1: what that might look like in conjunction with the city,

290
00:13:52,520 --> 00:13:53,120
Speaker 1: Like you know.

291
00:13:53,960 --> 00:13:55,560
Speaker 2: Like a bunch of people just buy their own, like

292
00:13:55,600 --> 00:13:56,360
Speaker 2: buy a house there.

293
00:13:57,040 --> 00:13:59,559
Speaker 1: No, like maybe a bunch of people you know, investing

294
00:13:59,679 --> 00:14:03,920
Speaker 1: like ten twenty thirty thousand dollars into a fund and collectively,

295
00:14:04,000 --> 00:14:06,959
Speaker 1: you know, buying a block because some of the houses

296
00:14:07,000 --> 00:14:10,880
Speaker 1: are so inexpensive, and then slowly but surely revitalizing those

297
00:14:10,880 --> 00:14:13,679
Speaker 1: homes and then reselling them back or renting them out

298
00:14:13,720 --> 00:14:15,480
Speaker 1: and then the rent is how we get paid every

299
00:14:15,520 --> 00:14:17,920
Speaker 1: month or whatever. So I had a few of my

300
00:14:18,080 --> 00:14:20,600
Speaker 1: friends who are doing well, who are like, you know,

301
00:14:20,680 --> 00:14:23,640
Speaker 1: I'd be interested in doing something like that collectively joining

302
00:14:24,440 --> 00:14:27,360
Speaker 1: forces financially to look into what that might look like.

303
00:14:27,440 --> 00:14:30,400
Speaker 1: So this one, it benefits the city, two it benefits people,

304
00:14:30,840 --> 00:14:32,520
Speaker 1: and three we also make an income.

305
00:14:33,240 --> 00:14:34,520
Speaker 2: So you beat them at their own game.

306
00:14:35,080 --> 00:14:37,840
Speaker 1: Mm hmmm. So yeah, so I'm excited about it because

307
00:14:37,840 --> 00:14:39,720
Speaker 1: I was just like, Okay, you know who's really smart

308
00:14:39,720 --> 00:14:42,080
Speaker 1: about it. You know she used to be Carry Pink.

309
00:14:42,520 --> 00:14:44,560
Speaker 1: You know, she's in the Brown the Colorful Money group.

310
00:14:44,800 --> 00:14:47,000
Speaker 2: Yes, miss Lily, Yes, Missily.

311
00:14:47,080 --> 00:14:48,600
Speaker 1: I love the fact that I didn't know her name

312
00:14:48,640 --> 00:14:48,960
Speaker 1: is Lily.

313
00:14:48,960 --> 00:14:52,960
Speaker 2: That's such a ka Carry Pinky. It's hard for me

314
00:14:53,000 --> 00:14:54,880
Speaker 2: to get used to it. I feel like Lily is

315
00:14:54,920 --> 00:14:56,440
Speaker 2: now the fake name I know.

316
00:14:59,240 --> 00:15:02,560
Speaker 1: But she's also so she actually got her masters in

317
00:15:02,840 --> 00:15:07,840
Speaker 1: like in I think, like city planning, urban planning, and

318
00:15:07,920 --> 00:15:12,000
Speaker 1: did her thesis on like this like kind of collective

319
00:15:13,800 --> 00:15:17,400
Speaker 1: collective economics when it comes to real estate, And I

320
00:15:17,480 --> 00:15:19,520
Speaker 1: was like, what shall she hit me up? So we're

321
00:15:19,520 --> 00:15:22,400
Speaker 1: actually gonna have a call on tomorrow to talk about

322
00:15:22,400 --> 00:15:24,320
Speaker 1: like well, what does that look like? What does that mean?

323
00:15:24,360 --> 00:15:27,200
Speaker 1: Because honestly, I think that would be awesome if we

324
00:15:27,280 --> 00:15:29,960
Speaker 1: become the solution for the problem that we that we see,

325
00:15:30,040 --> 00:15:33,800
Speaker 1: you know, yeah, just out here.

326
00:15:35,240 --> 00:15:38,080
Speaker 2: That's how you're saving neighborhoods on.

327
00:15:38,000 --> 00:15:40,320
Speaker 1: Top of everything else. This is why I can't get married.

328
00:15:40,720 --> 00:15:42,960
Speaker 2: You're probably gonna beat me, but that's okay.

329
00:15:44,080 --> 00:15:55,600
Speaker 1: It with my justice the piece pictures. Don't worry Brown break,

330
00:15:55,720 --> 00:15:58,360
Speaker 1: Brown booth. What you gonna do? I thought we had

331
00:15:58,360 --> 00:16:00,120
Speaker 1: a song. I feel like somebody saying it's a song

332
00:16:00,200 --> 00:16:11,960
Speaker 1: or something. I am Brown boosting my office space, my

333
00:16:12,040 --> 00:16:14,720
Speaker 1: office space. Honestly, it's like the gift that keeps on giving.

334
00:16:15,320 --> 00:16:20,520
Speaker 1: So Drina, my publicist, like went to go see one

335
00:16:20,560 --> 00:16:24,080
Speaker 1: of our joint friends of Dawn, who owns this brand

336
00:16:24,080 --> 00:16:28,160
Speaker 1: called Pukah, which is like the most amazing like natural

337
00:16:29,000 --> 00:16:31,960
Speaker 1: like skin products and stuff. And so Dawn had this

338
00:16:32,000 --> 00:16:34,360
Speaker 1: beautiful space and said, hey, Drina, you should come by

339
00:16:34,400 --> 00:16:36,040
Speaker 1: and see my new space. Dria went to see it

340
00:16:36,080 --> 00:16:38,440
Speaker 1: was like, ooh, I want a space. Then Drina said, hey,

341
00:16:38,440 --> 00:16:40,120
Speaker 1: Tiffany should come by and see the space I'm going

342
00:16:40,200 --> 00:16:42,040
Speaker 1: to get. Then I went and I was like, oh,

343
00:16:42,200 --> 00:16:45,040
Speaker 1: I want a space because everyone who goes there always says, ooh,

344
00:16:45,600 --> 00:16:47,760
Speaker 1: I want to space, and so Drina and I ended

345
00:16:47,840 --> 00:16:51,440
Speaker 1: up sharing, and so we love our space. But like

346
00:16:51,520 --> 00:16:53,440
Speaker 1: every time I turn around, it just gets better every

347
00:16:53,480 --> 00:16:55,840
Speaker 1: month because what I love about our space is that

348
00:16:55,840 --> 00:16:59,080
Speaker 1: it's it's a converted warehouse. Mandy's been there several times.

349
00:16:59,200 --> 00:17:02,760
Speaker 1: Ye you know, it's a converted warehouse, but really it's

350
00:17:02,800 --> 00:17:04,600
Speaker 1: not even so much like the look of it. It's

351
00:17:04,640 --> 00:17:07,119
Speaker 1: cute though, but it's like there's just so many amazing

352
00:17:07,160 --> 00:17:09,080
Speaker 1: people in the building. You know, you just bump into

353
00:17:09,080 --> 00:17:11,560
Speaker 1: someone in the hallway and you're like, oh wow, you

354
00:17:11,560 --> 00:17:13,760
Speaker 1: know you're like the YouTube kid with like the million

355
00:17:13,800 --> 00:17:16,800
Speaker 1: dollar brand. Cool. Oh wow, you're like the people that invented,

356
00:17:16,960 --> 00:17:20,480
Speaker 1: you know, like the cell phone case that sticks to wall.

357
00:17:20,760 --> 00:17:23,840
Speaker 1: That's cool. So there's just so many awesome people in

358
00:17:23,880 --> 00:17:24,400
Speaker 1: the building.

359
00:17:24,600 --> 00:17:27,000
Speaker 2: Wouldn't my cell phone case need to stick to a wall?

360
00:17:28,119 --> 00:17:28,600
Speaker 2: I don't know.

361
00:17:28,680 --> 00:17:32,159
Speaker 1: So basically it's like this weird gelatine thing on the

362
00:17:32,200 --> 00:17:34,399
Speaker 1: back of a cell phone case. Like, so let's just say,

363
00:17:34,480 --> 00:17:37,320
Speaker 1: if you're like doing a video and you wanted to

364
00:17:37,400 --> 00:17:39,320
Speaker 1: like or take a picture of yourself, you could stick

365
00:17:39,359 --> 00:17:42,720
Speaker 1: it to like almost everything except for there's only a

366
00:17:42,760 --> 00:17:45,919
Speaker 1: few services that won't stick to. But basically, I don't know.

367
00:17:45,960 --> 00:17:47,280
Speaker 1: It's just like if it gets you, you want to take

368
00:17:47,320 --> 00:17:49,720
Speaker 1: a picture of video, you want to watch something, and

369
00:17:49,760 --> 00:17:52,280
Speaker 1: you don't want to hold your phone. It's actually really cool.

370
00:17:52,480 --> 00:17:55,359
Speaker 1: They make like a bajillion dollars. Oh yeah, they just

371
00:17:55,359 --> 00:17:58,720
Speaker 1: started some young twenty year old. They've got this huge

372
00:17:58,760 --> 00:18:02,640
Speaker 1: space in the in our in our in our office building,

373
00:18:03,080 --> 00:18:05,440
Speaker 1: and doesn't what I mean, there's just so many random

374
00:18:05,440 --> 00:18:07,639
Speaker 1: businesses and you're like, oh, that's cool. There's like a

375
00:18:07,760 --> 00:18:10,920
Speaker 1: mentoring business. There's I found my new and natural hair

376
00:18:10,960 --> 00:18:15,280
Speaker 1: care stylist. She she's literally right down the hall for

377
00:18:15,359 --> 00:18:17,480
Speaker 1: me and she said, oh, I do sister Lock. So

378
00:18:17,480 --> 00:18:19,320
Speaker 1: I'm actually getting my hair done for the first time

379
00:18:19,440 --> 00:18:22,760
Speaker 1: with her this week. And so it's just so awesome.

380
00:18:22,800 --> 00:18:25,600
Speaker 1: And so it's just being around, like you know, other

381
00:18:25,840 --> 00:18:28,600
Speaker 1: entrepreneurs and people who are going for theirs. It's just

382
00:18:28,800 --> 00:18:31,879
Speaker 1: really inspiring. And so I just want to Brown Brown

383
00:18:32,000 --> 00:18:34,800
Speaker 1: boost my awesome space because of the awesome energy and

384
00:18:34,840 --> 00:18:35,840
Speaker 1: the people that are there.

385
00:18:36,920 --> 00:18:39,159
Speaker 2: That's nice, and it's very it's very like it's a

386
00:18:39,160 --> 00:18:40,600
Speaker 2: lot of people there. But I mean, I know, I've

387
00:18:40,640 --> 00:18:43,840
Speaker 2: always been on Sunday nights when it's like kind of quiet,

388
00:18:43,880 --> 00:18:46,960
Speaker 2: but it feels kind of peaceful, like it's not noisy

389
00:18:47,000 --> 00:18:48,880
Speaker 2: and distracting. But like I can tell when you want

390
00:18:48,880 --> 00:18:50,720
Speaker 2: to be, like you want to socialize, Like you can

391
00:18:50,720 --> 00:18:52,760
Speaker 2: go out there to like your shared spaces and stuff

392
00:18:52,760 --> 00:18:53,680
Speaker 2: and socialize.

393
00:18:54,040 --> 00:18:56,440
Speaker 1: Yeah, for sure, Oh I like it.

394
00:18:58,080 --> 00:19:00,920
Speaker 2: So I'm going to brown break today. I'm gonna go

395
00:19:01,040 --> 00:19:04,840
Speaker 2: negative my brown break. Sorry, I got to balance it

396
00:19:04,840 --> 00:19:09,159
Speaker 2: out all that happiness. I'm gonna I'm gonna do a

397
00:19:09,200 --> 00:19:13,639
Speaker 2: brown break for airline fee. Sneaky airline fees. So I

398
00:19:13,640 --> 00:19:17,560
Speaker 2: thought that Spirit Airlines was the only worst airline, like

399
00:19:17,600 --> 00:19:20,560
Speaker 2: the one where they charge you for breathing, they charge

400
00:19:20,600 --> 00:19:23,399
Speaker 2: you for sitting in a certain position, they charge you

401
00:19:23,440 --> 00:19:25,840
Speaker 2: for walking a weird way, like they just fees on

402
00:19:25,920 --> 00:19:31,359
Speaker 2: bees on bees. But like I took a carrier called Allegiant.

403
00:19:31,840 --> 00:19:35,200
Speaker 2: So this trip is like a double trip. I first

404
00:19:35,240 --> 00:19:37,439
Speaker 2: went to Vegas and then I came to Montana, and

405
00:19:37,480 --> 00:19:39,120
Speaker 2: I flew from Vegas to Montana. It's like a less

406
00:19:39,119 --> 00:19:42,520
Speaker 2: than two hour flight. These people, Allegiant Airlines wanted five

407
00:19:42,600 --> 00:19:45,480
Speaker 2: dollars to print my boarding pass for me, Like for

408
00:19:45,560 --> 00:19:47,879
Speaker 2: the pleasure printing my for the honor of them printing

409
00:19:47,880 --> 00:19:50,240
Speaker 2: my boarding pass for me. Then when you get to

410
00:19:50,280 --> 00:19:53,800
Speaker 2: the gate, thank god I bought. I purchased my carry

411
00:19:53,840 --> 00:19:56,320
Speaker 2: on when I bought my flight, because it's they don't

412
00:19:56,320 --> 00:19:58,399
Speaker 2: give you a free carry on. They charge like I

413
00:19:58,400 --> 00:20:00,760
Speaker 2: think I paid twenty dollars to have a CA bag

414
00:20:01,600 --> 00:20:03,280
Speaker 2: like a roller bag, you know, not like the thing

415
00:20:03,280 --> 00:20:05,000
Speaker 2: you put under your seat, but like a real carry

416
00:20:05,040 --> 00:20:07,960
Speaker 2: on when I bought my flight months ago. Because when

417
00:20:07,960 --> 00:20:09,840
Speaker 2: I got to the gate, they made this big announcement

418
00:20:09,840 --> 00:20:11,879
Speaker 2: and it was like the longest announcement ever. They were like,

419
00:20:14,200 --> 00:20:17,520
Speaker 2: people who sit in rows like X through Y, you

420
00:20:18,000 --> 00:20:20,720
Speaker 2: do not qualify for a carry on bag. You will

421
00:20:20,720 --> 00:20:22,919
Speaker 2: have to pay fifty dollars. If you have a bag

422
00:20:23,240 --> 00:20:25,679
Speaker 2: that is too large to fit under your seat. People

423
00:20:25,680 --> 00:20:28,919
Speaker 2: who are in rows are through tea, you will have

424
00:20:28,960 --> 00:20:30,639
Speaker 2: to pay thirty dollars for your carry on bag. And

425
00:20:30,680 --> 00:20:33,480
Speaker 2: just like on and on and all these like parameters

426
00:20:33,480 --> 00:20:37,080
Speaker 2: around this carry on bag. And I saw this family, poor,

427
00:20:37,359 --> 00:20:39,560
Speaker 2: this poor family, you know, like when you have kids,

428
00:20:39,600 --> 00:20:42,399
Speaker 2: like you have bags on bags on bags, And they

429
00:20:42,480 --> 00:20:44,359
Speaker 2: must have had six bags between the husband and the

430
00:20:44,400 --> 00:20:46,879
Speaker 2: wife and the tiny children. They had to pay like

431
00:20:46,960 --> 00:20:49,560
Speaker 2: three hundred dollars. Oh my god, the gate for all

432
00:20:49,640 --> 00:20:53,080
Speaker 2: these bags. It was crazy, and it just it just

433
00:20:53,160 --> 00:20:56,040
Speaker 2: drives me nuts. And then you finally get on the

434
00:20:56,040 --> 00:20:58,119
Speaker 2: plane and I'm like, okay, the seats are nice at least.

435
00:20:58,119 --> 00:21:01,359
Speaker 2: But then the the attendants come by with like the

436
00:21:01,400 --> 00:21:03,840
Speaker 2: food and beverage cart, and I had my headphones in

437
00:21:03,880 --> 00:21:05,600
Speaker 2: and I was like, oh, no, thank you, and she

438
00:21:05,640 --> 00:21:07,680
Speaker 2: says no, And I said, do you do you want something?

439
00:21:07,720 --> 00:21:10,400
Speaker 2: Do you want to purchase something for purchase from the cart?

440
00:21:11,040 --> 00:21:14,720
Speaker 2: Like there wasn't even a free drink, no free pretzels.

441
00:21:14,800 --> 00:21:17,440
Speaker 2: Just no, I wasn't going to give it to you.

442
00:21:17,720 --> 00:21:19,280
Speaker 2: I wanted to pay for it.

443
00:21:20,359 --> 00:21:21,320
Speaker 1: They're like, oh, that's cute.

444
00:21:21,359 --> 00:21:24,399
Speaker 2: Did you think did you think these were free? Because

445
00:21:24,440 --> 00:21:28,440
Speaker 2: that's so so weird, so weird. No, no, honey, no,

446
00:21:29,040 --> 00:21:32,159
Speaker 2: we don't do that here, not an allegiant. Oh so

447
00:21:32,280 --> 00:21:35,080
Speaker 2: that's my brown break. Just cheap cheap airlines just like

448
00:21:35,200 --> 00:21:37,200
Speaker 2: read the fine. I mean, it was a really cheap flight.

449
00:21:37,320 --> 00:21:39,320
Speaker 2: And I feel like, you know, I got my money's

450
00:21:39,359 --> 00:21:41,119
Speaker 2: worth because it was really it was less than one

451
00:21:41,160 --> 00:21:44,359
Speaker 2: hundred dollars for this flight to to Montana. But The

452
00:21:44,359 --> 00:21:45,920
Speaker 2: only reason I didn't end up paying like an arm

453
00:21:45,920 --> 00:21:47,760
Speaker 2: and a leg is because I read the fine print

454
00:21:47,800 --> 00:21:50,719
Speaker 2: and paid for my crap and downloaded the app real

455
00:21:50,840 --> 00:21:52,280
Speaker 2: quick when I found out I had to pay five

456
00:21:52,320 --> 00:21:53,760
Speaker 2: dollars to print my boarding pass.

457
00:21:54,200 --> 00:21:56,399
Speaker 1: Yeah, you just have to, like you said, if it's

458
00:21:56,440 --> 00:21:59,919
Speaker 1: an unfamiliar airline, you definitely want to like read the

459
00:22:00,400 --> 00:22:02,760
Speaker 1: I think. When I was flying from Spain to Morocco,

460
00:22:03,080 --> 00:22:07,960
Speaker 1: one of my friends works for United, and she gifted

461
00:22:08,000 --> 00:22:10,000
Speaker 1: me for my birthday, like maybe a few years ago,

462
00:22:10,160 --> 00:22:13,960
Speaker 1: like a flight from uh Newark to Spain and back.

463
00:22:14,320 --> 00:22:15,680
Speaker 1: And so I was like, ooh, I mean it was

464
00:22:15,720 --> 00:22:17,800
Speaker 1: stand by, but still, hey, I didn't have to pay,

465
00:22:17,880 --> 00:22:20,359
Speaker 1: you know. Yeah, And so I was like okay, because

466
00:22:20,359 --> 00:22:21,760
Speaker 1: I told her I wanted to go to Morocco for

467
00:22:21,800 --> 00:22:23,479
Speaker 1: my birthday, She's like, well, we don't fly to Morocco,

468
00:22:23,520 --> 00:22:26,680
Speaker 1: but we fly to Spain Madrid. So I said, okay,

469
00:22:26,680 --> 00:22:28,200
Speaker 1: I'll go to Madrid to keep a couple of days

470
00:22:28,200 --> 00:22:30,639
Speaker 1: by myself, which I loved, and then I flew to

471
00:22:30,680 --> 00:22:33,800
Speaker 1: Morocco to meet my friend Madeline, who I always travel

472
00:22:33,840 --> 00:22:36,280
Speaker 1: with on my birthday. And so I flew and as

473
00:22:36,320 --> 00:22:40,280
Speaker 1: I was flying from Spain, Madrid to Morocco. There's this

474
00:22:40,320 --> 00:22:44,919
Speaker 1: I think it's ryanair girl whool Chald like to carry

475
00:22:45,040 --> 00:22:47,399
Speaker 1: like you were literally allowed to carry like nothing. I

476
00:22:47,440 --> 00:22:50,880
Speaker 1: think you could have like a book bag and then

477
00:22:51,359 --> 00:22:53,199
Speaker 1: but even that that was like they charged you. I

478
00:22:53,200 --> 00:22:56,640
Speaker 1: think it was like sixty euros something ridiculous, and then

479
00:22:56,720 --> 00:22:58,879
Speaker 1: anything else, like you couldn't even have anything in your arms.

480
00:22:59,040 --> 00:23:00,680
Speaker 1: Like I had to go to the backroom because I

481
00:23:00,720 --> 00:23:03,359
Speaker 1: had I had a little carry on, but I also

482
00:23:03,400 --> 00:23:05,439
Speaker 1: had like my book bag, and they're like, oh, no, no, no,

483
00:23:05,560 --> 00:23:06,720
Speaker 1: you're gonna have to You're gonna have to pay like

484
00:23:06,760 --> 00:23:09,000
Speaker 1: one hundred twenty year old. I'm like what because the

485
00:23:09,040 --> 00:23:12,000
Speaker 1: fight itself was like fifty bucks. So I ended up

486
00:23:12,080 --> 00:23:14,680
Speaker 1: like putting on layers of clothes so my book back

487
00:23:14,680 --> 00:23:17,200
Speaker 1: can fit inside my carry on. And at one point

488
00:23:17,200 --> 00:23:19,720
Speaker 1: I had like this little it's like a little almost

489
00:23:19,760 --> 00:23:21,639
Speaker 1: like you know how like when you're traveling you have

490
00:23:21,680 --> 00:23:24,280
Speaker 1: all your travel documents and like a little leather like

491
00:23:24,320 --> 00:23:28,440
Speaker 1: sometimes like a little leather case. It's like an inflated wallet. Yeah, girl,

492
00:23:28,560 --> 00:23:30,440
Speaker 1: they were like, oh, that's a carry on. I'm like

493
00:23:30,600 --> 00:23:33,000
Speaker 1: this thing in my hand, the sides of a book.

494
00:23:33,320 --> 00:23:35,320
Speaker 1: This thing in my hand. Girl, I put it down

495
00:23:35,320 --> 00:23:38,479
Speaker 1: my pants and I was like what, like what, I

496
00:23:38,520 --> 00:23:40,880
Speaker 1: cannot believe it? And I was like, you know what

497
00:23:40,920 --> 00:23:43,080
Speaker 1: though I didn't read the fine print, and it was just,

498
00:23:43,800 --> 00:23:46,760
Speaker 1: you know, I learned my lesson and thankfully my girl

499
00:23:46,880 --> 00:23:48,920
Speaker 1: MADDENI when I met her in Morocco, I sent her home,

500
00:23:49,040 --> 00:23:50,680
Speaker 1: was like, all my things so I could fly back

501
00:23:50,880 --> 00:23:53,200
Speaker 1: fairly cheaply on Ryan Air without having to worry about

502
00:23:53,200 --> 00:23:53,720
Speaker 1: all those things.

503
00:23:53,720 --> 00:23:55,159
Speaker 2: But it just it's just a.

504
00:23:55,200 --> 00:23:58,800
Speaker 1: Good Yeah, it's not a bad. It's it's really cheap.

505
00:23:58,800 --> 00:24:00,960
Speaker 1: But you have to know, like it's really cheap because

506
00:24:01,119 --> 00:24:02,840
Speaker 1: you have to follow all of the rules, like print

507
00:24:02,880 --> 00:24:04,880
Speaker 1: everything out in advance, you know, make sure you don't

508
00:24:04,880 --> 00:24:07,480
Speaker 1: carry all all these extra things. So once you know

509
00:24:07,560 --> 00:24:09,440
Speaker 1: those things and you read the fine print, you're fine.

510
00:24:09,520 --> 00:24:11,720
Speaker 1: But most of us don't read the fine print, because

511
00:24:11,760 --> 00:24:13,640
Speaker 1: lord knows I didn't. That was like, what, I'll be back,

512
00:24:13,720 --> 00:24:15,200
Speaker 1: let me go to the bathroom. I had so many

513
00:24:15,240 --> 00:24:19,119
Speaker 1: clothes on and I was hot, but I was like,

514
00:24:19,160 --> 00:24:22,560
Speaker 1: I am not paying additional sixty euros. At the time

515
00:24:22,600 --> 00:24:24,000
Speaker 1: that was like double It was like one hundred and

516
00:24:24,000 --> 00:24:26,520
Speaker 1: twenty dollars in US, and I was like, Yeah.

517
00:24:26,359 --> 00:24:27,280
Speaker 3: I don't have that.

518
00:24:27,280 --> 00:24:29,000
Speaker 1: That's coral. It is Cray.

519
00:24:29,240 --> 00:24:40,080
Speaker 3: That is Cray.

520
00:24:40,680 --> 00:24:45,639
Speaker 1: It's time for letters from y'all. It's time for the

521
00:24:45,720 --> 00:24:48,240
Speaker 1: BA letters. Do we have any good questions?

522
00:24:48,680 --> 00:24:51,359
Speaker 2: Letters from y'all should be the name of this segment.

523
00:24:52,240 --> 00:24:57,159
Speaker 2: Letters from y'all. I like that. Yes, I do have a.

524
00:24:57,280 --> 00:24:59,320
Speaker 2: I have a I have a good question. So this

525
00:24:59,359 --> 00:25:03,000
Speaker 2: woman to be known by Hillary. Okay with you else?

526
00:25:04,040 --> 00:25:06,639
Speaker 2: So she says, Hi, Annie and Tiffany, I recently started

527
00:25:06,640 --> 00:25:10,040
Speaker 2: listening to the podcast and I'm playing catchup. Thanks for

528
00:25:10,080 --> 00:25:12,680
Speaker 2: sharing with us about your lives and informative tips about

529
00:25:12,720 --> 00:25:15,880
Speaker 2: ways to save money and do better financially. Thank you, Hillary.

530
00:25:16,720 --> 00:25:18,680
Speaker 2: Now here's her question. She says, what's the best way

531
00:25:18,720 --> 00:25:21,920
Speaker 2: to handle student loan refunds. I recently started a graduate

532
00:25:21,960 --> 00:25:24,680
Speaker 2: program and we'll receive a refund check. I want to

533
00:25:24,680 --> 00:25:26,560
Speaker 2: buy a new home, and I don't know if I

534
00:25:26,560 --> 00:25:28,240
Speaker 2: should use some of the money to put back on

535
00:25:28,280 --> 00:25:30,960
Speaker 2: my loans and add a little bit to my savings

536
00:25:31,000 --> 00:25:34,919
Speaker 2: for the down payment. So that's her question. What should

537
00:25:34,920 --> 00:25:36,800
Speaker 2: she do with her student loan refund and is it

538
00:25:36,840 --> 00:25:40,879
Speaker 2: okay to use it for something that you want to

539
00:25:40,920 --> 00:25:43,080
Speaker 2: purchase or should you maybe use it to pay back

540
00:25:43,520 --> 00:25:45,040
Speaker 2: your loans.

541
00:25:45,040 --> 00:25:48,920
Speaker 1: So knee jerk reaction, pay back your loans. But I'll

542
00:25:48,960 --> 00:25:51,280
Speaker 1: say this because my dad did this once. He It

543
00:25:51,359 --> 00:25:54,280
Speaker 1: all depends on interest rates. So at the time, student

544
00:25:54,280 --> 00:25:58,959
Speaker 1: loan interest rate was super low, and he wanted to

545
00:25:59,400 --> 00:26:01,280
Speaker 1: get a call or something like that. He needed it

546
00:26:01,280 --> 00:26:04,720
Speaker 1: for work, and so he got his refund check bought

547
00:26:04,880 --> 00:26:10,040
Speaker 1: like a car like and it was able to Basically,

548
00:26:10,119 --> 00:26:12,359
Speaker 1: it was cheaper to use the student loan money and

549
00:26:12,400 --> 00:26:14,399
Speaker 1: pay that back at the low interest rate than what

550
00:26:14,520 --> 00:26:17,000
Speaker 1: he would have paid if he had bought the car

551
00:26:18,000 --> 00:26:22,320
Speaker 1: used financing from the car company. So if the student

552
00:26:22,359 --> 00:26:25,880
Speaker 1: loan interest rate is lower than your mortgage rate, then

553
00:26:25,920 --> 00:26:28,800
Speaker 1: it might make sense because either way, a borrowing is borrowing,

554
00:26:28,880 --> 00:26:32,359
Speaker 1: you know. So that's what I mean. It's dangerous though.

555
00:26:32,520 --> 00:26:36,200
Speaker 1: It's a dangerous habit though to me anyway, to keep

556
00:26:36,320 --> 00:26:38,399
Speaker 1: taking a lot of money from student loans because I

557
00:26:38,440 --> 00:26:40,040
Speaker 1: did that. You know, I used every single one of

558
00:26:40,040 --> 00:26:43,560
Speaker 1: my refund checks for foolishness. I was like, ooh, every money.

559
00:26:43,880 --> 00:26:46,200
Speaker 2: I don't know so many people did that. Yeah, thank god,

560
00:26:46,240 --> 00:26:47,960
Speaker 2: mind really like two hundred dollars.

561
00:26:48,080 --> 00:26:50,359
Speaker 1: But still, you know, I was like, ooh, you know,

562
00:26:50,720 --> 00:26:53,840
Speaker 1: and so I didn't use it for anything wise. But

563
00:26:53,880 --> 00:26:57,920
Speaker 1: if you're going to use your student loan money, then

564
00:26:58,440 --> 00:27:01,040
Speaker 1: whatever you use it on should either one be making

565
00:27:01,080 --> 00:27:04,000
Speaker 1: you money or two saving you money. Because the student

566
00:27:04,040 --> 00:27:06,880
Speaker 1: loan interest rate payback it's cheaper than the thing your

567
00:27:06,880 --> 00:27:10,159
Speaker 1: buying's interest rate payback. What do you think, Landy, I

568
00:27:10,200 --> 00:27:10,919
Speaker 1: totally agree with you.

569
00:27:10,920 --> 00:27:12,600
Speaker 2: I would just caution you know, it can get really

570
00:27:12,680 --> 00:27:16,960
Speaker 2: easy to like justify using your student loans when you're like, well,

571
00:27:17,200 --> 00:27:19,520
Speaker 2: i could put the spring break trip on my credit card,

572
00:27:19,560 --> 00:27:22,199
Speaker 2: but I'll save money by using my refund checks obviously

573
00:27:22,320 --> 00:27:24,960
Speaker 2: that instead. But it's like you're kind of creating reasons

574
00:27:24,960 --> 00:27:27,400
Speaker 2: to use it just to kind of give you the excuse.

575
00:27:27,440 --> 00:27:29,720
Speaker 2: But I think if there's not a pressing need, I

576
00:27:29,760 --> 00:27:32,440
Speaker 2: would just say, you know, return it if you can,

577
00:27:33,080 --> 00:27:35,080
Speaker 2: or use it just to pay back your loans immediately

578
00:27:35,160 --> 00:27:37,840
Speaker 2: if you can. I mean, I struggled a lot through college.

579
00:27:37,880 --> 00:27:40,680
Speaker 2: I got my little part time job and I paid

580
00:27:40,680 --> 00:27:43,119
Speaker 2: the rent, and I was like poor the entire time.

581
00:27:43,800 --> 00:27:45,479
Speaker 2: But one of the best things I did for myself

582
00:27:45,520 --> 00:27:48,200
Speaker 2: was not graduate with tons and tons of student debt,

583
00:27:48,240 --> 00:27:49,600
Speaker 2: and I could be out of it within a couple

584
00:27:49,640 --> 00:27:52,880
Speaker 2: of years after graduation, and if you're in she said,

585
00:27:52,880 --> 00:27:55,639
Speaker 2: she's started a graduate program, so that means she probably

586
00:27:55,640 --> 00:28:02,040
Speaker 2: has underground undergrad student loan debt already. And I wonder, well, no,

587
00:28:02,440 --> 00:28:04,680
Speaker 2: there's probably not a private student loan because you don't

588
00:28:04,720 --> 00:28:07,320
Speaker 2: get refunds from that. But or do you do you

589
00:28:07,320 --> 00:28:09,080
Speaker 2: think it could be private student loan debt, because if

590
00:28:09,119 --> 00:28:10,159
Speaker 2: it's private, I.

591
00:28:10,119 --> 00:28:11,720
Speaker 1: Don't think you would get a refund. It has to

592
00:28:11,720 --> 00:28:14,880
Speaker 1: be better, yeah, because I mean, I don't know, I've

593
00:28:14,880 --> 00:28:17,040
Speaker 1: never had a private student loan, but to my knowledge,

594
00:28:17,080 --> 00:28:19,320
Speaker 1: private student loans don't don't give you refund checks.

595
00:28:20,840 --> 00:28:23,000
Speaker 2: But I mean, I'm glad that she's at least asking

596
00:28:23,040 --> 00:28:25,760
Speaker 2: the question, and I don't know she doesn't. She also

597
00:28:25,800 --> 00:28:30,280
Speaker 2: doesn't say how much of a refund she's getting, So really,

598
00:28:30,320 --> 00:28:32,640
Speaker 2: how much, how much? How far could you get toward

599
00:28:32,720 --> 00:28:36,320
Speaker 2: putting you know, toward your down payment fund for a house.

600
00:28:37,320 --> 00:28:39,120
Speaker 2: She actually has a second part to her question, and

601
00:28:39,680 --> 00:28:41,600
Speaker 2: I kind of want to talk about the whole question

602
00:28:41,680 --> 00:28:44,120
Speaker 2: of should you buy a house, like is there pressure

603
00:28:44,160 --> 00:28:46,080
Speaker 2: to get a house right away if you're at a

604
00:28:46,080 --> 00:28:50,360
Speaker 2: certain age. Because she's in grad school, she's having trouble

605
00:28:50,360 --> 00:28:53,400
Speaker 2: saving obviously based on her first question, and she wants

606
00:28:53,400 --> 00:28:55,920
Speaker 2: to put this refund check toward her house down payment.

607
00:28:56,000 --> 00:28:59,960
Speaker 2: So here's part two of Hillary's question. She says, how

608
00:29:00,040 --> 00:29:01,920
Speaker 2: can I afford a home on a small income? I

609
00:29:02,000 --> 00:29:04,560
Speaker 2: was laid off from my decent paying job two years ago.

610
00:29:05,000 --> 00:29:07,400
Speaker 2: I've started working again, but ended up with the reduction

611
00:29:07,480 --> 00:29:10,600
Speaker 2: in salary of almost twenty thousand dollars. I want nothing

612
00:29:10,640 --> 00:29:12,680
Speaker 2: more than to buy a better and begger home for

613
00:29:12,760 --> 00:29:14,800
Speaker 2: my daughter and I. My goal is to buy a

614
00:29:14,840 --> 00:29:18,240
Speaker 2: new home in twenty eighteen. She goes on to say

615
00:29:18,240 --> 00:29:20,960
Speaker 2: that I have credit card debt of about two thousand dollars,

616
00:29:21,040 --> 00:29:23,880
Speaker 2: I have a FICO score of six point eighty, and

617
00:29:24,000 --> 00:29:26,760
Speaker 2: I'm using the snowball method to pay off my two

618
00:29:26,800 --> 00:29:31,680
Speaker 2: thousand dollars credit card debt. Basically, any suggestions or advice

619
00:29:31,760 --> 00:29:38,080
Speaker 2: on how I can afford a home on a small income? Oh, Hillary, And.

620
00:29:38,240 --> 00:29:40,959
Speaker 1: I was like, who should be the bearer of bad news?

621
00:29:42,960 --> 00:29:46,000
Speaker 2: Don't do it? It's gonna tell do it.

622
00:29:46,520 --> 00:29:49,680
Speaker 1: You can't. I'm like, can't, And I mean we're you know,

623
00:29:49,760 --> 00:29:52,040
Speaker 1: we're giggling. We're not because we're giggling at you. It's

624
00:29:52,160 --> 00:29:55,720
Speaker 1: just that believe we have. Everyone has been there. When

625
00:29:55,760 --> 00:29:59,200
Speaker 1: you're like, huh, there's this thing I want, I can't.

626
00:30:00,080 --> 00:30:03,480
Speaker 1: It doesn't make sense to you know where I currently

627
00:30:03,480 --> 00:30:05,400
Speaker 1: am in life, but I really want it, and I

628
00:30:05,440 --> 00:30:10,080
Speaker 1: can completely understand that. But first, one, your credit score

629
00:30:10,160 --> 00:30:12,960
Speaker 1: is going to guarantee that you pay so much more

630
00:30:13,040 --> 00:30:15,760
Speaker 1: an interest, Like you want to get your credit score

631
00:30:16,040 --> 00:30:20,680
Speaker 1: ideally to a seven forty or above, because anything above

632
00:30:20,680 --> 00:30:23,680
Speaker 1: a seven forty you're going to get the best interest

633
00:30:23,760 --> 00:30:27,000
Speaker 1: rate that can be offered to you. So that's one. Two,

634
00:30:27,520 --> 00:30:29,880
Speaker 1: If you have student loan debt, which clearly you're going

635
00:30:29,920 --> 00:30:33,840
Speaker 1: to have because you're you're buying you told us about

636
00:30:33,840 --> 00:30:36,480
Speaker 1: getting a refund check, that student loan debt is going

637
00:30:36,520 --> 00:30:39,640
Speaker 1: to be factored into how much house you can afford.

638
00:30:39,920 --> 00:30:45,480
Speaker 1: So when Superman, for example, my fiance was being basically

639
00:30:45,560 --> 00:30:47,960
Speaker 1: vetted to see if he could be pre qualified for

640
00:30:48,040 --> 00:30:51,000
Speaker 1: a loan. Here are the questions they asked him. You know,

641
00:30:51,120 --> 00:30:52,840
Speaker 1: do you have a job, yes, how long have you

642
00:30:52,840 --> 00:30:55,520
Speaker 1: worked there? They want to see you have steady income. Two,

643
00:30:55,960 --> 00:30:58,920
Speaker 1: how much do you make? He makes a decent amount,

644
00:30:59,000 --> 00:31:00,920
Speaker 1: not a whole lot, but a decent him out the

645
00:31:01,000 --> 00:31:03,440
Speaker 1: thing that saved him though, because he doesn't make a

646
00:31:03,440 --> 00:31:06,920
Speaker 1: whole lot. Is the fact that he's debt free. You know,

647
00:31:07,200 --> 00:31:10,320
Speaker 1: like literally, he no credit card debt, no student loan,

648
00:31:10,560 --> 00:31:14,240
Speaker 1: no nothing, debt free. So that worked tremendously in his favor.

649
00:31:14,320 --> 00:31:16,240
Speaker 1: And then on top of that, his credit score is

650
00:31:16,280 --> 00:31:20,160
Speaker 1: seven fifty. So although Superman doesn't make a whole lot

651
00:31:20,320 --> 00:31:22,880
Speaker 1: because he was debt free, because he's worked at his

652
00:31:22,960 --> 00:31:25,120
Speaker 1: job for a number of years, and because his credit

653
00:31:25,160 --> 00:31:27,600
Speaker 1: score is great, these things are all going to play

654
00:31:27,640 --> 00:31:30,120
Speaker 1: a major role until whether or not you're really going

655
00:31:30,160 --> 00:31:32,800
Speaker 1: to be able to get a mortgage. So for you,

656
00:31:32,800 --> 00:31:34,680
Speaker 1: you have the student loan debt, which I don't know

657
00:31:34,680 --> 00:31:37,600
Speaker 1: how significant it is. Two you're not making as much

658
00:31:37,640 --> 00:31:40,360
Speaker 1: as you did. Three your credit score is not quite there,

659
00:31:40,560 --> 00:31:42,440
Speaker 1: so you're going to want to work on those things

660
00:31:42,760 --> 00:31:46,239
Speaker 1: before moving forward to buy a home or else you're

661
00:31:46,280 --> 00:31:48,600
Speaker 1: going to lock yourself into a position where you can

662
00:31:48,760 --> 00:31:53,600
Speaker 1: barely afford. Even if someone somehow gets your mortgage, you

663
00:31:53,640 --> 00:31:56,479
Speaker 1: know you're going to have a hard time keeping up

664
00:31:56,480 --> 00:31:59,880
Speaker 1: with it because of those things.

665
00:31:58,840 --> 00:32:01,040
Speaker 2: And the fact that she has I think that answer

666
00:32:01,080 --> 00:32:03,120
Speaker 2: was great. The fact that she has credit card debt

667
00:32:03,640 --> 00:32:05,800
Speaker 2: of about two thousand dollars and she's working to pay

668
00:32:05,800 --> 00:32:08,040
Speaker 2: that off. I wonder if if she's gonna take the

669
00:32:08,080 --> 00:32:11,200
Speaker 2: refund check anyway, and the interest rate maybe is super low.

670
00:32:11,240 --> 00:32:13,400
Speaker 2: I think interest rates are like under six percent now,

671
00:32:13,640 --> 00:32:15,400
Speaker 2: would it makes sense for her to put the refund

672
00:32:15,440 --> 00:32:17,400
Speaker 2: toward her credit card debt. I think that makes made me.

673
00:32:17,360 --> 00:32:19,560
Speaker 1: More sense and dobting it in.

674
00:32:19,520 --> 00:32:22,080
Speaker 2: The savings account, because at the most you're gonna get

675
00:32:22,080 --> 00:32:25,240
Speaker 2: what one percent on the best savings account today. You'll

676
00:32:25,320 --> 00:32:27,680
Speaker 2: probably do better for yourself and your goal of eventually

677
00:32:27,840 --> 00:32:30,560
Speaker 2: buying a house by paying off your credit card debt

678
00:32:30,560 --> 00:32:34,240
Speaker 2: and improving your FICO score and lowering your debt to

679
00:32:34,240 --> 00:32:37,959
Speaker 2: income ratio all at the same time. She also mentions

680
00:32:37,960 --> 00:32:40,720
Speaker 2: that her student loans from undergrad are on income based

681
00:32:40,760 --> 00:32:44,320
Speaker 2: repayment right now with zero dollars, which is fine, but

682
00:32:44,360 --> 00:32:47,200
Speaker 2: that's kind of a band aid. You know, income based

683
00:32:47,200 --> 00:32:50,680
Speaker 2: repayment interest is still accruing, and that that whole debt

684
00:32:50,880 --> 00:32:53,760
Speaker 2: load is still counting against you in terms of, you know,

685
00:32:54,320 --> 00:32:56,840
Speaker 2: qualifying for a home loan of the size that you want.

686
00:32:57,600 --> 00:32:59,920
Speaker 2: So I would, yeah, I would make top priority as

687
00:33:00,080 --> 00:33:04,520
Speaker 2: taking care of your debt, and maybe the bigger house

688
00:33:04,560 --> 00:33:08,680
Speaker 2: isn't going to happen in twenty eighteen or even twenty nineteen, but.

689
00:33:09,440 --> 00:33:12,520
Speaker 1: It will, and honestly, you'd be surprised, honestly, because the

690
00:33:12,560 --> 00:33:14,280
Speaker 1: good thing is about is when you take care of

691
00:33:14,280 --> 00:33:17,080
Speaker 1: your debt, you are simultaneously taking care of your credit

692
00:33:17,680 --> 00:33:21,959
Speaker 1: because thirty percent of your credit score really is amount

693
00:33:22,000 --> 00:33:24,040
Speaker 1: of debt that you owe in comparison to what you make,

694
00:33:24,400 --> 00:33:26,440
Speaker 1: and so as you start to pay your bills on time,

695
00:33:26,760 --> 00:33:28,840
Speaker 1: it continue to do so as you get you know,

696
00:33:28,880 --> 00:33:31,480
Speaker 1: get rid of your debt, as you lower how much

697
00:33:31,520 --> 00:33:33,760
Speaker 1: you owe the student loans, that is going to affect

698
00:33:33,760 --> 00:33:36,000
Speaker 1: your credit score as well. So all of those things

699
00:33:36,040 --> 00:33:39,280
Speaker 1: work together collectively, and honestly, it took superman. I mean

700
00:33:39,280 --> 00:33:42,680
Speaker 1: we started dating three years ago. He's just now ready,

701
00:33:43,040 --> 00:33:45,760
Speaker 1: So it took a while before, like cause I have

702
00:33:45,840 --> 00:33:49,640
Speaker 1: a foreclosure on my like docket, so I really can't

703
00:33:49,680 --> 00:33:52,360
Speaker 1: help in this home home buyer's thing. So really it's

704
00:33:52,360 --> 00:33:55,880
Speaker 1: the money that he saves, and it's his credit score,

705
00:33:56,240 --> 00:33:58,000
Speaker 1: so all of this is on him. So it took

706
00:33:58,080 --> 00:34:01,960
Speaker 1: three years before he was to kind of say, okay, yes,

707
00:34:02,200 --> 00:34:04,720
Speaker 1: I've got the money, I've got the credit score. You know,

708
00:34:04,760 --> 00:34:06,880
Speaker 1: I've got the years in I've got the income in

709
00:34:06,960 --> 00:34:09,920
Speaker 1: order to move forward, and honestly, he can't afford like

710
00:34:09,960 --> 00:34:13,600
Speaker 1: some big, old, like amazing house. So one of the

711
00:34:13,640 --> 00:34:16,120
Speaker 1: things we're gonna do is we're looking for at minimum

712
00:34:16,120 --> 00:34:19,200
Speaker 1: a two family house, so we live in one and

713
00:34:19,239 --> 00:34:21,640
Speaker 1: get help with the mortgage with the other. Because one

714
00:34:21,640 --> 00:34:24,719
Speaker 1: thing how that helps is that they will factor in

715
00:34:24,920 --> 00:34:29,960
Speaker 1: the rent from the other units into his income. I

716
00:34:29,960 --> 00:34:32,760
Speaker 1: think like sixty or seventy percent can count as income,

717
00:34:32,920 --> 00:34:35,319
Speaker 1: so he can afford more house that way. So you know,

718
00:34:35,520 --> 00:34:38,839
Speaker 1: just really just really like finagling to see like what

719
00:34:38,880 --> 00:34:41,240
Speaker 1: you're able to do, but work on your core basics

720
00:34:41,280 --> 00:34:43,600
Speaker 1: first before leaping, because we would hate, Mandy and I

721
00:34:43,680 --> 00:34:47,319
Speaker 1: would hate for you to jump into leap into a

722
00:34:47,360 --> 00:34:49,839
Speaker 1: home and only to be in worse financial shape than

723
00:34:49,840 --> 00:34:50,480
Speaker 1: ever before.

724
00:34:50,880 --> 00:34:52,920
Speaker 2: Absolutely, and there's always someone out there willing to give

725
00:34:52,960 --> 00:34:55,359
Speaker 2: you a house you can't afford, yep, like even since

726
00:34:55,360 --> 00:34:58,160
Speaker 2: the recession. So focus on paying out for credit card

727
00:34:58,239 --> 00:35:02,520
Speaker 2: debt and taking care of your beautiful daughter and grats.

728
00:35:02,640 --> 00:35:04,839
Speaker 2: We have a lot on your plate, one one thing

729
00:35:04,880 --> 00:35:07,400
Speaker 2: at a time. No pressure to have the mc mansion,

730
00:35:08,200 --> 00:35:12,520
Speaker 2: you know right away? Alrighty, do you guys have questions?

731
00:35:12,520 --> 00:35:13,640
Speaker 2: You know? Where to find us. You can go to

732
00:35:13,719 --> 00:35:17,080
Speaker 2: Brown Ambition Podcast dot com and click on ask us anything,

733
00:35:17,239 --> 00:35:19,239
Speaker 2: or you can just shoot us an email directly at

734
00:35:19,280 --> 00:35:21,680
Speaker 2: Brown Ambition Podcast at gmail dot.

735
00:35:21,480 --> 00:35:25,200
Speaker 1: Com dot com. We did really good questions, don't you

736
00:35:25,280 --> 00:35:27,439
Speaker 1: feel like that? Man? These questions are getting good.

737
00:35:27,520 --> 00:35:29,200
Speaker 2: They're really getting good. And it shows that you guys

738
00:35:29,239 --> 00:35:32,640
Speaker 2: are really thinking before you, you know, take these huge steps.

739
00:35:32,640 --> 00:35:33,680
Speaker 2: And that's super smart.

740
00:35:34,280 --> 00:35:37,040
Speaker 1: Mm hmm, so smart you guys are. What I really

741
00:35:37,080 --> 00:35:38,960
Speaker 1: like too, is that you're giving us because remember in

742
00:35:39,000 --> 00:35:41,879
Speaker 1: the beginning the question be like credit card. You're like, well, girl,

743
00:35:41,920 --> 00:35:42,760
Speaker 1: I need more information.

744
00:35:43,280 --> 00:35:46,600
Speaker 2: Yes, thank you Hillary for giving us the details, I think,

745
00:35:47,440 --> 00:35:49,120
Speaker 2: And again you can well you know, we'll use a

746
00:35:49,160 --> 00:35:52,720
Speaker 2: fake name Hillary. Ain't Hillary tell us all your dirty laundry.

747
00:35:52,719 --> 00:35:54,600
Speaker 2: It is safe with us. We will not be sharing

748
00:35:54,640 --> 00:35:57,480
Speaker 2: your information with anybody, we promise. I don't even remember

749
00:35:57,520 --> 00:35:59,920
Speaker 2: half the questions that we get, So this is a

750
00:36:00,120 --> 00:36:03,839
Speaker 2: safe space. Tell us everything, and that just helps us

751
00:36:03,840 --> 00:36:05,440
Speaker 2: give you the best answer possible.

752
00:36:15,280 --> 00:36:20,280
Speaker 1: So now it's time to close the show with winds

753
00:36:20,440 --> 00:36:21,759
Speaker 1: from you and me.

754
00:36:23,000 --> 00:36:23,600
Speaker 2: That's nice.

755
00:36:24,120 --> 00:36:25,680
Speaker 1: I'm thinking like cause you remember, well you don't know

756
00:36:25,680 --> 00:36:27,279
Speaker 1: the Mickey Mouse Club m I c.

757
00:36:27,560 --> 00:36:29,840
Speaker 2: K Y the Mickey mouse Club.

758
00:36:30,560 --> 00:36:32,640
Speaker 1: I thought, you know, millennials, You know y'all.

759
00:36:33,040 --> 00:36:36,719
Speaker 2: Because I watched the justin Timberlake and Britney Spear story. Oh,

760
00:36:39,360 --> 00:36:41,560
Speaker 2: because you know Ryan Gosling was in the Mickey mouse Club.

761
00:36:43,440 --> 00:36:45,879
Speaker 1: You know what? That doesn't surprise me so far. Wait

762
00:36:45,880 --> 00:36:49,440
Speaker 1: a minute, we have forgot. Hello be ya say having twins?

763
00:36:53,239 --> 00:36:55,000
Speaker 2: Oh my god. Everyone listening is like, what are they

764
00:36:55,000 --> 00:36:56,160
Speaker 2: going to say it? What are they gonna mention?

765
00:36:56,320 --> 00:36:59,040
Speaker 1: Yes, I totally forgot. I don't know why we're it clicked.

766
00:36:59,040 --> 00:37:01,359
Speaker 1: I think I was thinking Mickey Mouth Club. I don't

767
00:37:01,400 --> 00:37:03,040
Speaker 1: know what the leap was, but the leaf happened.

768
00:37:03,480 --> 00:37:06,600
Speaker 2: Where were you when you learned having twins?

769
00:37:06,840 --> 00:37:09,600
Speaker 1: I was on Facebook and I was scrolling and I

770
00:37:09,640 --> 00:37:12,600
Speaker 1: saw this crazy picture of a woman that I've come

771
00:37:12,680 --> 00:37:15,600
Speaker 1: to know. One's Beyonce, like I don't know know, with

772
00:37:15,680 --> 00:37:17,400
Speaker 1: a veil on. And I was like, clearly, this is

773
00:37:17,400 --> 00:37:19,319
Speaker 1: a lie girl. She would never post a picture like this.

774
00:37:19,680 --> 00:37:21,960
Speaker 1: And someone said it was a screenshot. I said, let

775
00:37:21,960 --> 00:37:24,680
Speaker 1: me go to Instagram and investigating myself, and sure enough

776
00:37:24,680 --> 00:37:27,160
Speaker 1: it said forty minutes ago Beyonce posted this picture and

777
00:37:27,200 --> 00:37:30,400
Speaker 1: it said, well welcoming two new people, and I was like,

778
00:37:30,480 --> 00:37:31,600
Speaker 1: what the hell picture is this?

779
00:37:31,800 --> 00:37:37,440
Speaker 2: But even congratulations king by Well I landed, I landed

780
00:37:37,440 --> 00:37:41,040
Speaker 2: in Vegas. Woman's that like Thursday or whatever. And as

781
00:37:41,080 --> 00:37:43,920
Speaker 2: soon as we touched down, people's phones were pnging and

782
00:37:44,200 --> 00:37:47,120
Speaker 2: someone was like, Beyonce's having twins, and like it lit

783
00:37:47,200 --> 00:37:50,320
Speaker 2: up the whole plane, the whole plane. Yes, I'm not kidding,

784
00:37:50,680 --> 00:37:54,560
Speaker 2: I'm not kidding, world event. It was a way. It

785
00:37:54,640 --> 00:37:57,120
Speaker 2: brought everyone on the plane. We started hugging and people.

786
00:37:57,400 --> 00:38:01,560
Speaker 2: A champagne bottle appeared round and black and white all

787
00:38:01,600 --> 00:38:06,120
Speaker 2: came together and I'm kidding, Yeah, I really it was

788
00:38:06,160 --> 00:38:06,960
Speaker 2: kind of like that.

789
00:38:07,360 --> 00:38:09,600
Speaker 1: You know. But so what I understand that she has

790
00:38:09,640 --> 00:38:12,600
Speaker 1: her She her picture is the most likes picture, like

791
00:38:12,600 --> 00:38:15,680
Speaker 1: Guinness Book of World Records, the most liked Instagram picture

792
00:38:15,719 --> 00:38:16,239
Speaker 1: of all time.

793
00:38:16,560 --> 00:38:18,319
Speaker 2: No, you need to go to her website because that

794
00:38:18,320 --> 00:38:21,680
Speaker 2: picture is just the beginning. Really literally had an entire

795
00:38:22,239 --> 00:38:24,640
Speaker 2: of course, she did this huge photo shoot with this

796
00:38:24,760 --> 00:38:27,200
Speaker 2: like artist and she had wars on Shire wrote her,

797
00:38:27,360 --> 00:38:30,120
Speaker 2: wrote her a poem to go with this whole photo shoot.

798
00:38:31,920 --> 00:38:34,920
Speaker 2: It's so extra and it's so Beyonce, like she's swimming

799
00:38:35,000 --> 00:38:37,920
Speaker 2: underwater and she's in these beautiful silks and fabrics, and

800
00:38:38,320 --> 00:38:40,520
Speaker 2: you know, the baby bumpas on full display, and I'm like,

801
00:38:40,680 --> 00:38:42,960
Speaker 2: of course, only Beyonce, only Beyonce.

802
00:38:43,200 --> 00:38:45,320
Speaker 1: Someone said that she did it because you know, everybody

803
00:38:45,320 --> 00:38:48,360
Speaker 1: I was telling saying that she she's not really pregnant.

804
00:38:48,640 --> 00:38:52,920
Speaker 2: Yeah, that bogus like hoax, that that that that Blue

805
00:38:52,960 --> 00:38:54,760
Speaker 2: Ivy was like a surrogate baby or something.

806
00:38:54,960 --> 00:38:57,480
Speaker 1: Yeah, and I'm like, oh, yeah, I'm here now looking

807
00:38:58,000 --> 00:39:01,760
Speaker 1: and I'm like, I guess. I mean, I don't know. Partly,

808
00:39:01,760 --> 00:39:02,200
Speaker 1: it's like.

809
00:39:02,719 --> 00:39:05,400
Speaker 2: I'm really glad that in vitro treatment really worked because

810
00:39:05,440 --> 00:39:07,960
Speaker 2: you know, like there's still like I know, she's I

811
00:39:07,960 --> 00:39:10,600
Speaker 2: think she struggled to have even blue. So I mean,

812
00:39:11,400 --> 00:39:15,640
Speaker 2: I don't I don't understand why people don't understand that celebrities,

813
00:39:15,920 --> 00:39:18,960
Speaker 2: like all these celebrities having twins, Like it's not like

814
00:39:19,760 --> 00:39:22,680
Speaker 2: normal for this many people to have twins. It's all, well,

815
00:39:22,680 --> 00:39:24,760
Speaker 2: we know, you know what that is. It's all in vitro.

816
00:39:25,400 --> 00:39:27,520
Speaker 1: Yeah, And you know, and I'm like, I'm not girl,

817
00:39:27,680 --> 00:39:30,319
Speaker 1: I likely will. I'm thirty seven, so the likelihood is

818
00:39:30,360 --> 00:39:31,880
Speaker 1: I'm going to have to use in Vitro's. Well, I

819
00:39:31,960 --> 00:39:33,719
Speaker 1: might have me a set of twins, you out the

820
00:39:33,719 --> 00:39:34,640
Speaker 1: twin anyway.

821
00:39:34,400 --> 00:39:36,400
Speaker 2: Yeah, you probably have better odds than most people.

822
00:39:37,560 --> 00:39:40,120
Speaker 1: But yeah, so when you know you're right, having twins

823
00:39:40,200 --> 00:39:43,080
Speaker 1: is not not that I hate to use the world normal,

824
00:39:43,160 --> 00:39:45,759
Speaker 1: but twins are like an anomaly, and so for all

825
00:39:45,800 --> 00:39:47,759
Speaker 1: of these people to be having them, it's clear that

826
00:39:47,960 --> 00:39:51,200
Speaker 1: you know they use help, which I support because you know,

827
00:39:51,440 --> 00:39:53,400
Speaker 1: I'm I'm a woman of a certain age and I

828
00:39:53,440 --> 00:39:55,040
Speaker 1: don't know. I mean, we've been trying and I have

829
00:39:55,160 --> 00:39:59,120
Speaker 1: not you know, naturally conceived, so in vitro it might be,

830
00:39:59,280 --> 00:40:02,120
Speaker 1: which I'm okay with, although I am nervous about the whole.

831
00:40:02,120 --> 00:40:05,480
Speaker 1: You know. Superman is like, yes for twins, I'm like, Lord,

832
00:40:07,440 --> 00:40:07,960
Speaker 1: I don't know.

833
00:40:08,440 --> 00:40:09,799
Speaker 2: Oh, so we have to talk to you guys, are

834
00:40:09,840 --> 00:40:12,520
Speaker 2: seriously okay. We got to talk about this in the

835
00:40:12,560 --> 00:40:13,840
Speaker 2: future shows.

836
00:40:13,680 --> 00:40:15,560
Speaker 1: We will like once I if I decide to go

837
00:40:15,680 --> 00:40:18,680
Speaker 1: that route, and you know, I'm like, really, I'm still

838
00:40:18,719 --> 00:40:20,040
Speaker 1: I'm not gonna lie. I'm still on the whole. I

839
00:40:20,080 --> 00:40:21,759
Speaker 1: don't know if I want to be a mom fence.

840
00:40:22,000 --> 00:40:24,520
Speaker 2: Like oh, like I said, if you overthink it, you'll

841
00:40:24,520 --> 00:40:27,880
Speaker 2: never do it. Like it's like when you jump out

842
00:40:27,880 --> 00:40:29,879
Speaker 2: of a plane to skydive, and your body is like

843
00:40:30,239 --> 00:40:32,880
Speaker 2: this is not smart, this is not natural, and you

844
00:40:32,960 --> 00:40:35,200
Speaker 2: kind of have to force yourself. That's kind of what

845
00:40:35,239 --> 00:40:36,440
Speaker 2: I feel like being a mother is.

846
00:40:37,000 --> 00:40:38,560
Speaker 1: I know, But then part of me is like, oh,

847
00:40:38,640 --> 00:40:40,399
Speaker 1: I don't want to not be a mom. I see

848
00:40:40,440 --> 00:40:44,520
Speaker 1: like my sister, and I see like my best friend Drina,

849
00:40:45,320 --> 00:40:47,279
Speaker 1: And even when my nephew's over and he looks up

850
00:40:47,320 --> 00:40:48,799
Speaker 1: at me. I was just looking at pictures of him

851
00:40:48,800 --> 00:40:50,319
Speaker 1: today and my phone and I was just like, oh

852
00:40:50,360 --> 00:40:53,120
Speaker 1: my gosh, this love is like a love like no other,

853
00:40:53,200 --> 00:40:54,560
Speaker 1: and these are not even mine, you know.

854
00:40:56,360 --> 00:41:00,280
Speaker 2: Yeah, it's whatever you decide, yea, it would be the best.

855
00:41:01,000 --> 00:41:03,840
Speaker 2: Wowance is not. She literally posted all these pictures of

856
00:41:03,840 --> 00:41:05,040
Speaker 2: her being pregnant with Bluetoo.

857
00:41:05,600 --> 00:41:08,400
Speaker 1: Yeah this is the just so we're Claire, that's what.

858
00:41:10,600 --> 00:41:13,000
Speaker 1: And I'm like, girl, that's cool. You know. People, It's

859
00:41:13,000 --> 00:41:15,239
Speaker 1: so crazy how people are like, I don't care. I'm

860
00:41:15,280 --> 00:41:18,560
Speaker 1: like either way, it's I mean, okay, I mean I'm

861
00:41:18,600 --> 00:41:20,839
Speaker 1: happy for Beyonce. I just I don't know why people

862
00:41:20,920 --> 00:41:22,680
Speaker 1: get so angry when people are like, oh my gosh,

863
00:41:22,719 --> 00:41:26,239
Speaker 1: Beyonce is pregnant and they're like, wow, yeah I do.

864
00:41:26,280 --> 00:41:28,240
Speaker 1: But honestly, I would care if my friends are pregnant,

865
00:41:28,239 --> 00:41:30,920
Speaker 1: and I'm like, oh that's good. I mean, that's how

866
00:41:30,960 --> 00:41:31,960
Speaker 1: I feel about it.

867
00:41:32,080 --> 00:41:33,879
Speaker 2: I might get pregnant if I can. If you can

868
00:41:33,880 --> 00:41:35,960
Speaker 2: promise me and my boots will look like Beyonce's, I

869
00:41:36,000 --> 00:41:38,400
Speaker 2: will get pregnant. Amazing.

870
00:41:39,040 --> 00:41:40,759
Speaker 1: You know, we have to share on the on the

871
00:41:40,760 --> 00:41:44,360
Speaker 1: Brown Ambition podcast dot com page, there's a video. It

872
00:41:44,480 --> 00:41:46,399
Speaker 1: is hilarious. I don't know if you've ever seen when

873
00:41:46,400 --> 00:41:47,719
Speaker 1: Oprah talks about Gail.

874
00:41:48,120 --> 00:41:50,479
Speaker 2: Oh, I saw that that meme going around.

875
00:41:50,800 --> 00:41:52,560
Speaker 1: Yes, I feel like we have to share that it

876
00:41:52,760 --> 00:41:55,560
Speaker 1: just like it is like, this is why I love Beyonce.

877
00:41:55,719 --> 00:41:56,680
Speaker 2: It is huh.

878
00:41:59,840 --> 00:42:01,440
Speaker 1: I feel like we have to post it if you

879
00:42:01,440 --> 00:42:02,040
Speaker 1: can find it.

880
00:42:02,360 --> 00:42:04,960
Speaker 2: It's on that age just on our page. Right is

881
00:42:05,000 --> 00:42:09,000
Speaker 2: it published by tiffany o Al fourteen hours ago?

882
00:42:11,400 --> 00:42:13,439
Speaker 1: Oh that's right, I forgot I did that. So yeah,

883
00:42:13,440 --> 00:42:15,879
Speaker 1: you should go to our Facebook page and watch it.

884
00:42:15,880 --> 00:42:17,400
Speaker 1: It is You're gonna get your life and get your

885
00:42:17,440 --> 00:42:20,040
Speaker 1: giggles on. So that's gonna be my win. My win

886
00:42:20,280 --> 00:42:23,880
Speaker 1: is for pregnancy and fertility and Beyonce twins.

887
00:42:24,200 --> 00:42:26,280
Speaker 2: I feel like, if you want some good fertility jiuju,

888
00:42:26,320 --> 00:42:28,480
Speaker 2: you should just look at her page right now Beyonce

889
00:42:28,600 --> 00:42:34,720
Speaker 2: dot com. She is just beautiful. My win is gonna

890
00:42:34,760 --> 00:42:37,960
Speaker 2: be my surprise trip for my mother. I took her

891
00:42:37,960 --> 00:42:41,440
Speaker 2: to Celindion in Vegas and it was just like we

892
00:42:41,840 --> 00:42:44,000
Speaker 2: got our lives at that Celeineion concert. And you can

893
00:42:44,080 --> 00:42:47,239
Speaker 2: imagine who was in the crowd Celine Dion concert in

894
00:42:47,360 --> 00:42:50,440
Speaker 2: Vegas on a Wednesday night. You can just imagine. But

895
00:42:50,520 --> 00:42:54,440
Speaker 2: we were lit. It was amazing Celen Dion, like it was.

896
00:42:54,800 --> 00:42:56,279
Speaker 2: My mom was like a mess. She was crying the

897
00:42:56,280 --> 00:42:59,200
Speaker 2: whole time. But like this woman has not aged and

898
00:42:59,239 --> 00:43:02,799
Speaker 2: her voice is like outstanding, Like she does not get

899
00:43:02,920 --> 00:43:05,840
Speaker 2: enough credit. She is still she hit all of the notes.

900
00:43:05,880 --> 00:43:08,640
Speaker 2: There was not one song that she Mariah carried and

901
00:43:08,680 --> 00:43:11,000
Speaker 2: like does some you know, like to cover up that

902
00:43:11,000 --> 00:43:14,000
Speaker 2: she can't hit the notes anymore. She hit, she slay,

903
00:43:14,160 --> 00:43:17,040
Speaker 2: She did all the greatest hits. She did the Titanic song,

904
00:43:17,480 --> 00:43:21,680
Speaker 2: she did the Power of Love, Oh, all of her

905
00:43:21,760 --> 00:43:23,920
Speaker 2: all of her greatest hits. And she doesn't have very

906
00:43:23,920 --> 00:43:26,279
Speaker 2: many like fast songs, but there's a couple and at

907
00:43:26,280 --> 00:43:27,799
Speaker 2: the very end of the show, she comes out in

908
00:43:27,800 --> 00:43:31,040
Speaker 2: this like sparkly green mini dress and she lets everyone

909
00:43:31,120 --> 00:43:33,759
Speaker 2: rush the stage and like go, you know, uh, be

910
00:43:33,840 --> 00:43:35,840
Speaker 2: really upfront, like on the stage, like in front of

911
00:43:35,840 --> 00:43:38,279
Speaker 2: the stage with her. And we had really good seats.

912
00:43:38,320 --> 00:43:39,799
Speaker 2: So I ran up there and I was like so

913
00:43:40,040 --> 00:43:41,680
Speaker 2: close to Selene. I could have like reached out and

914
00:43:41,760 --> 00:43:43,200
Speaker 2: touched her, but I didn't because I didn't want to

915
00:43:43,239 --> 00:43:49,000
Speaker 2: get arrested. But it was just it was a great

916
00:43:49,040 --> 00:43:50,920
Speaker 2: It was such a nice it was a fun memory.

917
00:43:50,920 --> 00:43:52,640
Speaker 2: It was a fun experience for me and my mom

918
00:43:53,160 --> 00:43:54,920
Speaker 2: to share that. And we went and had a fancy

919
00:43:54,960 --> 00:43:58,640
Speaker 2: dinner afterward, and she was so cute. She showed up.

920
00:43:58,800 --> 00:44:01,200
Speaker 2: She was she was unpacking at the hotel and she

921
00:44:01,239 --> 00:44:03,080
Speaker 2: pulled out this like sequin top and I was like,

922
00:44:03,120 --> 00:44:04,359
Speaker 2: oh my god, you.

923
00:44:04,280 --> 00:44:05,760
Speaker 1: Came to get it.

924
00:44:05,840 --> 00:44:08,120
Speaker 2: And so she was like, I thought you told me

925
00:44:08,160 --> 00:44:10,200
Speaker 2: to wear something sparkly, and so she made me go

926
00:44:10,239 --> 00:44:11,880
Speaker 2: to H and M and I bought like a matching

927
00:44:11,960 --> 00:44:15,960
Speaker 2: sequined would sparkle sisters together.

928
00:44:16,640 --> 00:44:18,960
Speaker 1: That is cute. I'm glad Clinda you had that, you know,

929
00:44:19,560 --> 00:44:24,520
Speaker 1: that whole trump bumps. But I'm glad that, like, you know,

930
00:44:24,600 --> 00:44:26,880
Speaker 1: because bigger than anything else, that's your mama, And I'm

931
00:44:26,920 --> 00:44:29,040
Speaker 1: glad you had a really good time we did.

932
00:44:29,120 --> 00:44:30,520
Speaker 2: I mean we had We had a we had a

933
00:44:30,520 --> 00:44:33,239
Speaker 2: blowout fight at one point during the during the trip.

934
00:44:33,239 --> 00:44:35,200
Speaker 2: I'm not gonna lie it was it was, but you

935
00:44:35,239 --> 00:44:37,239
Speaker 2: know what, it was sort of like we needed to

936
00:44:37,280 --> 00:44:39,959
Speaker 2: have that. It's been bubbling under the surface for so long,

937
00:44:40,120 --> 00:44:44,520
Speaker 2: like this fight, of this battle of the different political views,

938
00:44:44,560 --> 00:44:46,160
Speaker 2: and but we I don't know, I feel like we

939
00:44:46,200 --> 00:44:48,000
Speaker 2: really needed it. It was nasty and it was like, I'm

940
00:44:48,040 --> 00:44:49,719
Speaker 2: not super proud of the fight that we had, but

941
00:44:50,200 --> 00:44:52,040
Speaker 2: we had it. It was out in the air, and

942
00:44:52,080 --> 00:44:54,200
Speaker 2: we were just like, Okay, we know where we stand

943
00:44:54,480 --> 00:44:56,799
Speaker 2: and we're just gonna like what are you gonna do.

944
00:44:57,000 --> 00:44:59,520
Speaker 2: I'm your mother and I'm your daughter and we have

945
00:44:59,600 --> 00:45:03,040
Speaker 2: to get through life. But I'm just I feel like

946
00:45:03,520 --> 00:45:05,640
Speaker 2: a lot of my friends too, have conservative parents. We

947
00:45:05,680 --> 00:45:08,160
Speaker 2: spent a lot of time biting our tongues and not

948
00:45:08,280 --> 00:45:10,759
Speaker 2: saying how we feel and trying to hold it all in,

949
00:45:10,800 --> 00:45:12,640
Speaker 2: and I think that just made everything worse, Like it

950
00:45:12,760 --> 00:45:15,359
Speaker 2: just made all the resentment, you know, build up and

951
00:45:15,920 --> 00:45:19,720
Speaker 2: cause like a nastier fight than I think it probably

952
00:45:19,760 --> 00:45:22,600
Speaker 2: would have if we had been learning and like working

953
00:45:22,600 --> 00:45:26,640
Speaker 2: on having a like respectful dialogue about politics since I

954
00:45:26,719 --> 00:45:28,440
Speaker 2: was a kid, we've I don't know how it was

955
00:45:28,480 --> 00:45:30,399
Speaker 2: in your house, but my house, like you never talked

956
00:45:30,400 --> 00:45:33,200
Speaker 2: about politics ever, you know, it was never, so I

957
00:45:33,280 --> 00:45:36,240
Speaker 2: never really learned. How do you have like a dinner

958
00:45:36,280 --> 00:45:39,560
Speaker 2: table discussion about politics with your with your mom? I

959
00:45:39,600 --> 00:45:42,719
Speaker 2: never I never got that. So for me, it's been

960
00:45:42,880 --> 00:45:47,359
Speaker 2: grumbling at her Facebook posts and passive aggressively, like you know,

961
00:45:47,560 --> 00:45:50,000
Speaker 2: commenting on her posts and stuff, and that's just not

962
00:45:50,120 --> 00:45:53,640
Speaker 2: like a smart, healthy way to to do it. So yeah,

963
00:45:53,880 --> 00:45:57,440
Speaker 2: I'm glad that we had that that nastiness out in

964
00:45:57,480 --> 00:46:01,120
Speaker 2: the open and we made up over fried chicken and biscuits,

965
00:46:01,160 --> 00:46:01,600
Speaker 2: as you do.

966
00:46:02,880 --> 00:46:03,520
Speaker 1: That's awesome.

967
00:46:05,880 --> 00:46:09,279
Speaker 2: Well, already another another podcast.

968
00:46:08,840 --> 00:46:11,479
Speaker 1: In the can I know what number are we at now?

969
00:46:11,719 --> 00:46:12,319
Speaker 2: Sixty nine?

970
00:46:12,360 --> 00:46:14,520
Speaker 1: I want to say sixty nine.

971
00:46:15,200 --> 00:46:18,920
Speaker 2: Lucky you said it.

972
00:46:19,400 --> 00:46:21,800
Speaker 1: For those of you fresh ones out there, you're like, ahf.

973
00:46:21,920 --> 00:46:23,680
Speaker 1: Some of you are like I don't get it, and

974
00:46:23,719 --> 00:46:24,400
Speaker 1: you shouldn't.

975
00:46:24,680 --> 00:46:25,240
Speaker 2: You shouldn't.

976
00:46:25,280 --> 00:46:27,000
Speaker 3: Good for you?

977
00:46:27,000 --> 00:46:30,520
Speaker 2: You are the future, all right, y'all?

978
00:46:30,520 --> 00:46:32,799
Speaker 1: Well stay tripped back, Mandy, I will see you, so.

979
00:46:33,400 --> 00:46:35,840
Speaker 2: Thank you very much. Oh and go Falcons. What the

980
00:46:35,880 --> 00:46:40,120
Speaker 2: heck a super Bowl Sunday? Yes, ruys up, Falcons. I

981
00:46:40,160 --> 00:46:42,239
Speaker 2: hope that you are listening to this podcast in a

982
00:46:42,280 --> 00:46:46,200
Speaker 2: world where the Falcons are Super Bowl champions. My little

983
00:46:46,239 --> 00:46:48,960
Speaker 2: brother is in Houston right now getting his wife. So Alex,

984
00:46:49,200 --> 00:46:52,200
Speaker 2: I on your behalf. I mean for you, for your

985
00:46:52,239 --> 00:47:07,000
Speaker 2: future happiness. I'm just the falconsy to win.