WEBVTT - Ep. 69 — So about that student loan refund check...

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<v Speaker 1>Back like a heart attack. Well, actually that's not what

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<v Speaker 1>you'd want to have back. But yeah, anyways, Mandy was

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<v Speaker 1>telling me about this wedding that she went to with

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<v Speaker 1>a terrible DJ.

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<v Speaker 2>Yeah, I mean it's such a fresh memory because so

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<v Speaker 2>right now I'm in Montana, Exotic Billings, Montana. Who wouldn't

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<v Speaker 2>want to be in Montana in February. I mean, it's

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<v Speaker 2>just delightful and heels no less. Yeah, so I'm one

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<v Speaker 2>of my best friends from I'm you know, you know,

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<v Speaker 2>you have like your camp friends who you meet once

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<v Speaker 2>and you spend like maybe one week together, but your

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<v Speaker 2>best friends for life. So I never went to camp,

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<v Speaker 2>but I did this. I did alternative spring break in

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<v Speaker 2>college where we did Hurricane Contrina volunteering on the Gulf coast,

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<v Speaker 2>and I I made this group of friends who have

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<v Speaker 2>just been like family ever since. So we we go

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<v Speaker 2>big for each other. So that includes going to Montana

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<v Speaker 2>for their wedding in February. And but yeah, you know Montana,

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<v Speaker 2>I've been here before. It's beautiful, it's it's everyone's super nice.

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<v Speaker 2>But I didn't expect the DJ for this wedding to

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<v Speaker 2>be as bad, Like I didn't know that DJs could

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<v Speaker 2>be that bad. How hard is it? You know? Like

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<v Speaker 2>they literally played we were The reception was like six

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<v Speaker 2>hours long. I mean for one thing, because there was

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<v Speaker 2>long time. There were three hundred over three hundred people

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<v Speaker 2>and like the food line took me two hours. Two hours.

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<v Speaker 1>No, not the food line, I oh, because.

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<v Speaker 2>There was you know, it was like a very small

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<v Speaker 2>buffet and then like basically and the buffet was in

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<v Speaker 2>the middle of the dance floor, so we were like,

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<v Speaker 2>oh no, this sceans We're not going to be dancing

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<v Speaker 2>for like three hours. And sure enough, finally finally finally

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<v Speaker 2>cleared it off the dance floor like out their plates

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<v Speaker 2>or whatever, and then it just went downhill from the

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<v Speaker 2>very first song. It was like really slow, not even

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<v Speaker 2>good dancy country, because like I can get down to

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<v Speaker 2>some carrying on wood like some garden works, I can

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<v Speaker 2>get down right, but they didn't even play good stuff.

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<v Speaker 2>It was like it was like the kind of like

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<v Speaker 2>country music that would be on a bad infomercial for

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<v Speaker 2>like make America Graatagan Hats or something. It felt like

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<v Speaker 2>I was at a Trump rally. Let me tell you,

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<v Speaker 2>I've never seen so many and I love people. I

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<v Speaker 2>love everybody but I've never seen so many white people

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<v Speaker 2>doing the wobble and so many wrong ways in my life.

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<v Speaker 2>It was like it was like a bad dream. And

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<v Speaker 2>my friend Kevin, who I'm here with, we're rooming together.

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<v Speaker 2>Kevin is like six foot tall, beautiful black man, and

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<v Speaker 2>me and we are the brownest things of this wedding.

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<v Speaker 2>And when we when we get on the dance floor

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<v Speaker 2>for the wobble, you can see everyone eyes look to

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<v Speaker 2>us like we're dance instructors, Like, oh, the teachers how

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<v Speaker 2>like they know they know everyone look at them.

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<v Speaker 1>Kvin like, remember like growing up in Westfield, which is

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<v Speaker 1>like majority white Jewish, and like going to like school dances.

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<v Speaker 1>And meanwhile, I can honestly say I do not have

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<v Speaker 1>I have basic basic rhythm, but I'm on the scale

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<v Speaker 1>of good dancer. I am, yeah, like a three. And

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<v Speaker 1>so we would go to school dances and then I

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<v Speaker 1>would get on the dance floor, you know, like the

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<v Speaker 1>only black girl out there, and they'd be like, oh,

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<v Speaker 1>Tiffany knows, and I'm like, yeah.

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<v Speaker 2>Here's Tiffany y'olltart to go down.

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<v Speaker 1>I'm like, actually, I'm hoping Julie can show us.

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<v Speaker 2>I know, well, I only do the wobble like once

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<v Speaker 2>every two years when I go to weddings, so I forget,

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<v Speaker 2>I need to like refresh my memory. Which way do

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<v Speaker 2>I go? And when do I you know? Oh my god,

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<v Speaker 2>it was it was too much. It was hilarious. But

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<v Speaker 2>congrats Eric and Natalie on your beautiful They had a

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<v Speaker 2>great time. That's all that matters.

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<v Speaker 1>Yeah, I was gonna say that is all that matters.

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<v Speaker 1>I on the wedding front, I'm like, uh so, I

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<v Speaker 1>think because so we were going to, you know, do

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<v Speaker 1>something cute at Justice of the Piece, like, oh, at

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<v Speaker 1>least with my dress and this and that, and so

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<v Speaker 1>I told you about pinto a bridle, like offering me

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<v Speaker 1>a dress, and I just I just don't know why

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<v Speaker 1>I'm going to get out to Brooklyn to try it on.

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<v Speaker 1>I don't know. So he's like, why don't we just

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<v Speaker 1>go like Superman is like, what are we waiting on?

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<v Speaker 1>Forget all that, Let's just go to Justice at the

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<v Speaker 1>Piece and we could plan something in the spring. And

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<v Speaker 1>I'm like, Okay, I think that's what we're just gonna

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<v Speaker 1>end up doing, Like go to Justice at the Piece

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<v Speaker 1>in our jeans, don't take any pictures and just like

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<v Speaker 1>plan like a small intimate affair, like you know, like

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<v Speaker 1>like a reception, because I feel like that's what's been

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<v Speaker 1>holding me back. Like but wait, I've got to go

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<v Speaker 1>trying to dress. But wait, I gotta go get my

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<v Speaker 1>hair up. But wait, And he's like, oh my.

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<v Speaker 2>God, we've all seen sex in the city. What happened

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<v Speaker 2>to carry it big?

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<v Speaker 1>I know exactly I'm thinking that. I'm like, you know what,

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<v Speaker 1>maybe he's right because you know by now, you know,

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<v Speaker 1>if it would have been up to him, we would

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<v Speaker 1>have been married like to weeks after we got engaged.

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<v Speaker 1>And he's like, well, I don't I don't understand why

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<v Speaker 1>we're reading like especially we're already going to plan like,

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<v Speaker 1>like I said, a reception in the spring, and the

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<v Speaker 1>reason for like kind of like not the rush. But

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<v Speaker 1>he's like, you're paying all this money and insurance. You

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<v Speaker 1>don't even have as much coverage as I could give you.

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<v Speaker 1>He's like, so why not let us get married. You know,

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<v Speaker 1>we're going to get married anyway, and then we'll have

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<v Speaker 1>something cute, but like, let's get the mechanics of it

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<v Speaker 1>out of the way, you know, so we.

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<v Speaker 2>Still have you can still have a romantic like ceremony

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<v Speaker 2>at the Justice of the Piece if you if you like,

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<v Speaker 2>you know, you could have a nice little brunch afterward,

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<v Speaker 2>and you can wear a nice outfit. I mean, I've

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<v Speaker 2>seen some really romantic photos of people and that's.

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<v Speaker 1>I want to do that. But I guess the planning

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<v Speaker 1>of that, it's what keeps dragging me back, you know,

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<v Speaker 1>because I'm like, oh, and then the wait is Tanta

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<v Speaker 1>going to be able to take my picture? And then

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<v Speaker 1>what am I going to get my hair out? Who's

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<v Speaker 1>going to do? And then I'm like, I don't want

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<v Speaker 1>to think about it. I just wish I had like

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<v Speaker 1>a I honestly hate, hate, hate planning events like.

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<v Speaker 2>I well, it doesn't have to be a whole thing.

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<v Speaker 1>I know it sounds easier and said than done, but

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<v Speaker 1>like I.

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<v Speaker 2>Just pretend like you have a conference to go to

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<v Speaker 2>and you need your team.

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<v Speaker 1>I know, right even that, I'm like, oh, I hate that.

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<v Speaker 1>And We've been like like really trying to like hone

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<v Speaker 1>down on like house shopping. Who knew I'm learning so

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<v Speaker 1>much many like for example, the taxes in Newark. I

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<v Speaker 1>mean I don't you know, I don't know what there's

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<v Speaker 1>what's a lot, and what's a little when it comes

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<v Speaker 1>to taxes. And so, you know, looking at bolt of

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<v Speaker 1>multi family houses, and taxes range from in Newark on

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<v Speaker 1>the low end, maybe like three or four thousand, on

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<v Speaker 1>the higher end maybe like six thousand.

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<v Speaker 2>You know.

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<v Speaker 1>So I'm like, I don't know, good or bad. We

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<v Speaker 1>go one town over to East Orange that because we're

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<v Speaker 1>having a hard time finding a home in Newark, taxes

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<v Speaker 1>are like thirteen twelve, sixteen thousand dollars. Like me, what

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<v Speaker 1>I didn't know. I didn't realize that Newark had much

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<v Speaker 1>lower taxes. And it's not like, oh, I can see

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<v Speaker 1>why East Orange taxes are so high because the school

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<v Speaker 1>system's amazing. It's not. And so I'm like, so, I

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<v Speaker 1>don't why are the taxes so high. So a friend

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<v Speaker 1>of mine was just telling me that the city has

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<v Speaker 1>kind of mismanaged. They've given tax abatements to large corporations

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<v Speaker 1>and as a result, they've had to over tax their citizens.

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<v Speaker 1>And I'm like, oh, so even in Newark, like we

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<v Speaker 1>will see homes that we really like, this has been

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<v Speaker 1>the struggle. But then like you get there and you're like,

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<v Speaker 1>oh my gosh, the home is next to two abandoned

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<v Speaker 1>properties and I'm like, why are these properties like abandoned

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<v Speaker 1>for so long? And I'm thinking, are people not wanting

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<v Speaker 1>to invest in? My realtor is like no, She's like,

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<v Speaker 1>I've got a ton of investors. I wanted to invest.

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<v Speaker 1>But what's happened in Newark is that people are holding

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<v Speaker 1>properties waiting for gentrification, meaning that like the bank or

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<v Speaker 1>an owner will hold a property it's broken down, but

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<v Speaker 1>maybe they bought it for like ten thousand dollars, you know,

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<v Speaker 1>they are paying nothing to keep it up, and they're

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<v Speaker 1>waiting for Newark is resurging, and when that happens, they'll

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<v Speaker 1>sell it for like, you know, ten times more than

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<v Speaker 1>they bought it for. So I'm like, so you destroy

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<v Speaker 1>a neighborhood so you can wait to make a profit

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<v Speaker 1>ten years later, And the answer is yes, And I'm

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<v Speaker 1>like wow. So thankfully the mayor of our city is

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<v Speaker 1>addressing this now. He literally just addressed because it was

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<v Speaker 1>funny because it was like that day I went out

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<v Speaker 1>house shopping and I'm just looking like so disappointed, like

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<v Speaker 1>oh love this house, Oh abandoned house next door, Oh

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<v Speaker 1>love this house, Oh abandoned house up the street, And

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<v Speaker 1>I'm like, what, how can you I don't want to

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<v Speaker 1>live next to an abandoned house, you know, like that's

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<v Speaker 1>not something that I'm like, well, I get compromise on

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<v Speaker 1>there being a boarded up house across the street. I can't.

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<v Speaker 1>And so he, you know, he's addressing that, thankfully, the

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<v Speaker 1>Mayor wils baraka he is basically like working to either

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<v Speaker 1>force in these companies to fix up these homes, sell

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<v Speaker 1>them or fix the like fix them up to sell,

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<v Speaker 1>fix them up to rent, or just fix them up

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<v Speaker 1>to live in, or the city's going to take over

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<v Speaker 1>because enough is enough, Like like Newark. Even though downtown

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<v Speaker 1>Newark and Newark is definitely doing better, when you actually

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<v Speaker 1>go into the neighborhoods, you see that not much has changed,

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<v Speaker 1>and it's sad. And so I'm just glad because I

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<v Speaker 1>really do want to stay here. I love living in

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<v Speaker 1>New York, but I you know, I don't want to

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<v Speaker 1>compromise with like my daily life looking outside the window

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<v Speaker 1>at like you know, abandoned homes and properties and things.

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<v Speaker 1>So I've just been learning so much to this home

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<v Speaker 1>buying process, so political taxes, and I bought a home before,

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<v Speaker 1>but Newark is like a whole other animal, you know.

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<v Speaker 2>Well, it's crazy because what didn't they what didn't don't

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<v Speaker 2>by by fixing up these abandoned houses, Like, wouldn't they

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<v Speaker 2>be attracting these sorts of people that you know, they

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<v Speaker 2>say that they're interested in attracting.

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<v Speaker 1>Well, that's not the point to them. The point is

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<v Speaker 1>the least amount of work and money put out for

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<v Speaker 1>the maximum out brought in. So you buy it like

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<v Speaker 1>an abandoned home or home, you know, and then that

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<v Speaker 1>was already kind of like broken down. And let's just

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<v Speaker 1>say you buy it for twenty thousand dollars cash, because

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<v Speaker 1>there's homes to NewYork for fifty thirty thousand, and then

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<v Speaker 1>you do nothing with it except for pay the low taxes,

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<v Speaker 1>so taxes might be three thousand dollars a year. You know,

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<v Speaker 1>you keep it for ten fifteen years, and then you

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<v Speaker 1>sell it when like, oh my gosh, everybody wants to

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<v Speaker 1>live in NewYork. Now you sell up for three thousand

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<v Speaker 1>and four hundred thousand, and so that's the end goal

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<v Speaker 1>because they have plenty of money, and you know, and

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<v Speaker 1>people are doing this in Detroit, they're doing it in

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<v Speaker 1>other cities like that. Basically buy and hold but not

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<v Speaker 1>putting any money into it. And what happens is that,

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<v Speaker 1>you know, as things are progressing around, these homes are

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<v Speaker 1>just laying there dead, and you're like, well, can you

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<v Speaker 1>fix it? Because I want to live here, like actually

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<v Speaker 1>live here. These investors are not living here, and you know,

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<v Speaker 1>they're just like, no, there's no money in it, not

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<v Speaker 1>as much money in it for them to sell early.

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<v Speaker 1>I'm glad that the mayor is taking steps because I

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<v Speaker 1>literally I just drove through and I was like, wow,

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<v Speaker 1>this is really sad, like nice house boarded up, nice house,

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<v Speaker 1>nice house boarded and you can tell people are trying,

0:10:55.440 --> 0:10:57.760
<v Speaker 1>but you know because and you think you're solf, Oh,

0:10:57.760 --> 0:10:59.720
<v Speaker 1>someone will eventually buy it. But some of these homes

0:10:59.720 --> 0:11:02.640
<v Speaker 1>you can tell by the way that it's worn and weathered.

0:11:02.800 --> 0:11:05.080
<v Speaker 1>You're like, this house has been here for years, boarded

0:11:05.160 --> 0:11:07.560
<v Speaker 1>up like this, so this is not a well it's

0:11:07.600 --> 0:11:09.840
<v Speaker 1>like this for now. But somebody will buy it. No,

0:11:10.040 --> 0:11:12.160
<v Speaker 1>somebody owns it. They're just not willing to sell it

0:11:12.200 --> 0:11:16.120
<v Speaker 1>because they're waiting, you know. And so yeah, I'm hoping

0:11:16.160 --> 0:11:18.360
<v Speaker 1>that something. You know, I'm going to really kind of

0:11:18.440 --> 0:11:20.560
<v Speaker 1>keep track of like what's happening, because like I said,

0:11:20.640 --> 0:11:22.600
<v Speaker 1>I want to live in the city of NewYork. Honestly,

0:11:22.920 --> 0:11:25.360
<v Speaker 1>Nework is a great place to live transportation wise. We've

0:11:25.360 --> 0:11:28.240
<v Speaker 1>got an international airport, We've got two trains that go

0:11:28.400 --> 0:11:32.480
<v Speaker 1>directly into New York City. It's like it's just like

0:11:32.559 --> 0:11:35.040
<v Speaker 1>so centrally located. What's so great is that, like you know,

0:11:36.120 --> 0:11:39.520
<v Speaker 1>we're closer to like Midtown than like Brooklyn is. So

0:11:39.600 --> 0:11:41.839
<v Speaker 1>if you have to get to Midtown, it's like living

0:11:41.840 --> 0:11:44.880
<v Speaker 1>in New York. Newark is like living in like New

0:11:44.960 --> 0:11:48.080
<v Speaker 1>York plus because you're like close enough that you could

0:11:48.120 --> 0:11:50.160
<v Speaker 1>get to the city and whatever you need to get to,

0:11:50.240 --> 0:11:52.280
<v Speaker 1>but far enough away that you don't have to pay

0:11:52.280 --> 0:11:55.480
<v Speaker 1>those premium prices. You know, don't tell anybody, I know.

0:11:57.960 --> 0:11:58.240
<v Speaker 1>I know.

0:11:58.280 --> 0:12:00.320
<v Speaker 2>That's how I steel living in Jersey City. I feel

0:12:00.320 --> 0:12:02.760
<v Speaker 2>like I'm cheating, Like I get I have a much

0:12:02.840 --> 0:12:05.440
<v Speaker 2>quicker commute than I've ever had to work in living

0:12:05.480 --> 0:12:09.319
<v Speaker 2>in Queens and like Manhattan, even like Uptown Uptown, Uptown,

0:12:10.640 --> 0:12:14.559
<v Speaker 2>but my equality of life is so much higher. Yeah, exactly.

0:12:14.640 --> 0:12:16.839
<v Speaker 2>Property taxes though, Like everyone I know who owns a

0:12:16.880 --> 0:12:18.800
<v Speaker 2>house in a nice part of the city, I mean

0:12:18.800 --> 0:12:20.120
<v Speaker 2>that's a nice part of the city, but the nice

0:12:20.120 --> 0:12:23.040
<v Speaker 2>part of the suburbs and Jersey and stuff outside of

0:12:23.080 --> 0:12:26.200
<v Speaker 2>New York. They basically pay a second mortgage payment for

0:12:26.240 --> 0:12:26.559
<v Speaker 2>their time.

0:12:26.760 --> 0:12:30.880
<v Speaker 1>Yes, I'm not doing that's crazy because you think to yourself,

0:12:31.280 --> 0:12:33.800
<v Speaker 1>let's just say your property taxes are twelve thousand dollars

0:12:33.840 --> 0:12:36.080
<v Speaker 1>a year. That means after you pay on your house,

0:12:36.080 --> 0:12:38.160
<v Speaker 1>pay off your house, you're still going to be paying

0:12:38.200 --> 0:12:42.600
<v Speaker 1>a thousand dollars a month for your house forever because

0:12:42.600 --> 0:12:45.120
<v Speaker 1>it's taxes plus more plus taxes go up every year.

0:12:45.559 --> 0:12:47.840
<v Speaker 1>That's crazy. That's why I'm like, uh, investing in York

0:12:47.920 --> 0:12:50.440
<v Speaker 1>is just such a you know, it's just so much

0:12:50.440 --> 0:12:54.920
<v Speaker 1>benefit to investing here and living here, and so yeah,

0:12:54.920 --> 0:12:57.120
<v Speaker 1>I'm just it's just frustrating because you're like, wait, I've

0:12:57.120 --> 0:12:58.840
<v Speaker 1>got the credit score, I've got the money I've got

0:12:58.840 --> 0:13:01.120
<v Speaker 1>to desire. And you're like you're thinking, like, well, that's

0:13:01.160 --> 0:13:04.480
<v Speaker 1>all you need, and it's like, oh, it's not so many.

0:13:04.920 --> 0:13:07.000
<v Speaker 1>I mean, we must have looked at so many houses.

0:13:07.040 --> 0:13:09.960
<v Speaker 1>I've gotten really good though, at like doing virtual tours

0:13:10.080 --> 0:13:12.960
<v Speaker 1>is like Google is the best, Like street view is everything,

0:13:13.480 --> 0:13:15.760
<v Speaker 1>because like you'll see a house you're like, ooh, super

0:13:15.840 --> 0:13:18.959
<v Speaker 1>cute hardwood floors, everything's new, and then you click on

0:13:19.040 --> 0:13:21.280
<v Speaker 1>street view and you can actually tour the neighborhood. With

0:13:21.360 --> 0:13:24.480
<v Speaker 1>street View, You're like, ooh, abandoned property, abandoned party, Like

0:13:24.480 --> 0:13:26.360
<v Speaker 1>I'm not even getting out of the house. So it's

0:13:26.559 --> 0:13:29.840
<v Speaker 1>we don't do as many drive throughs as like as before.

0:13:29.880 --> 0:13:32.600
<v Speaker 1>We just do street view, And if I see abandoned properties,

0:13:32.640 --> 0:13:34.000
<v Speaker 1>I'm like, yeah, we're not even gonna go to go

0:13:34.040 --> 0:13:36.560
<v Speaker 1>buy there. I had posted on Facebook, like you know,

0:13:36.600 --> 0:13:38.840
<v Speaker 1>about this issue, and so many people were like, you know,

0:13:39.240 --> 0:13:41.760
<v Speaker 1>wouldn't it be dope if we could like collectively get

0:13:41.760 --> 0:13:45.720
<v Speaker 1>together and buy like chunks of neighborhoods that are like

0:13:45.760 --> 0:13:47.800
<v Speaker 1>that and start to revitalize them. And actually I have

0:13:47.840 --> 0:13:50.120
<v Speaker 1>a few phone calls coming up to talk about like

0:13:50.160 --> 0:13:52.400
<v Speaker 1>what that might look like in conjunction with the city,

0:13:52.520 --> 0:13:53.120
<v Speaker 1>Like you know.

0:13:53.960 --> 0:13:55.560
<v Speaker 2>Like a bunch of people just buy their own, like

0:13:55.600 --> 0:13:56.360
<v Speaker 2>buy a house there.

0:13:57.040 --> 0:13:59.559
<v Speaker 1>No, like maybe a bunch of people you know, investing

0:13:59.679 --> 0:14:03.920
<v Speaker 1>like ten twenty thirty thousand dollars into a fund and collectively,

0:14:04.000 --> 0:14:06.959
<v Speaker 1>you know, buying a block because some of the houses

0:14:07.000 --> 0:14:10.880
<v Speaker 1>are so inexpensive, and then slowly but surely revitalizing those

0:14:10.880 --> 0:14:13.679
<v Speaker 1>homes and then reselling them back or renting them out

0:14:13.720 --> 0:14:15.480
<v Speaker 1>and then the rent is how we get paid every

0:14:15.520 --> 0:14:17.920
<v Speaker 1>month or whatever. So I had a few of my

0:14:18.080 --> 0:14:20.600
<v Speaker 1>friends who are doing well, who are like, you know,

0:14:20.680 --> 0:14:23.640
<v Speaker 1>I'd be interested in doing something like that collectively joining

0:14:24.440 --> 0:14:27.360
<v Speaker 1>forces financially to look into what that might look like.

0:14:27.440 --> 0:14:30.400
<v Speaker 1>So this one, it benefits the city, two it benefits people,

0:14:30.840 --> 0:14:32.520
<v Speaker 1>and three we also make an income.

0:14:33.240 --> 0:14:34.520
<v Speaker 2>So you beat them at their own game.

0:14:35.080 --> 0:14:37.840
<v Speaker 1>Mm hmmm. So yeah, so I'm excited about it because

0:14:37.840 --> 0:14:39.720
<v Speaker 1>I was just like, Okay, you know who's really smart

0:14:39.720 --> 0:14:42.080
<v Speaker 1>about it. You know she used to be Carry Pink.

0:14:42.520 --> 0:14:44.560
<v Speaker 1>You know, she's in the Brown the Colorful Money group.

0:14:44.800 --> 0:14:47.000
<v Speaker 2>Yes, miss Lily, Yes, Missily.

0:14:47.080 --> 0:14:48.600
<v Speaker 1>I love the fact that I didn't know her name

0:14:48.640 --> 0:14:48.960
<v Speaker 1>is Lily.

0:14:48.960 --> 0:14:52.960
<v Speaker 2>That's such a ka Carry Pinky. It's hard for me

0:14:53.000 --> 0:14:54.880
<v Speaker 2>to get used to it. I feel like Lily is

0:14:54.920 --> 0:14:56.440
<v Speaker 2>now the fake name I know.

0:14:59.240 --> 0:15:02.560
<v Speaker 1>But she's also so she actually got her masters in

0:15:02.840 --> 0:15:07.840
<v Speaker 1>like in I think, like city planning, urban planning, and

0:15:07.920 --> 0:15:12.000
<v Speaker 1>did her thesis on like this like kind of collective

0:15:13.800 --> 0:15:17.400
<v Speaker 1>collective economics when it comes to real estate, And I

0:15:17.480 --> 0:15:19.520
<v Speaker 1>was like, what shall she hit me up? So we're

0:15:19.520 --> 0:15:22.400
<v Speaker 1>actually gonna have a call on tomorrow to talk about

0:15:22.400 --> 0:15:24.320
<v Speaker 1>like well, what does that look like? What does that mean?

0:15:24.360 --> 0:15:27.200
<v Speaker 1>Because honestly, I think that would be awesome if we

0:15:27.280 --> 0:15:29.960
<v Speaker 1>become the solution for the problem that we that we see,

0:15:30.040 --> 0:15:33.800
<v Speaker 1>you know, yeah, just out here.

0:15:35.240 --> 0:15:38.080
<v Speaker 2>That's how you're saving neighborhoods on.

0:15:38.000 --> 0:15:40.320
<v Speaker 1>Top of everything else. This is why I can't get married.

0:15:40.720 --> 0:15:42.960
<v Speaker 2>You're probably gonna beat me, but that's okay.

0:15:44.080 --> 0:15:55.600
<v Speaker 1>It with my justice the piece pictures. Don't worry Brown break,

0:15:55.720 --> 0:15:58.360
<v Speaker 1>Brown booth. What you gonna do? I thought we had

0:15:58.360 --> 0:16:00.120
<v Speaker 1>a song. I feel like somebody saying it's a song

0:16:00.200 --> 0:16:11.960
<v Speaker 1>or something. I am Brown boosting my office space, my

0:16:12.040 --> 0:16:14.720
<v Speaker 1>office space. Honestly, it's like the gift that keeps on giving.

0:16:15.320 --> 0:16:20.520
<v Speaker 1>So Drina, my publicist, like went to go see one

0:16:20.560 --> 0:16:24.080
<v Speaker 1>of our joint friends of Dawn, who owns this brand

0:16:24.080 --> 0:16:28.160
<v Speaker 1>called Pukah, which is like the most amazing like natural

0:16:29.000 --> 0:16:31.960
<v Speaker 1>like skin products and stuff. And so Dawn had this

0:16:32.000 --> 0:16:34.360
<v Speaker 1>beautiful space and said, hey, Drina, you should come by

0:16:34.400 --> 0:16:36.040
<v Speaker 1>and see my new space. Dria went to see it

0:16:36.080 --> 0:16:38.440
<v Speaker 1>was like, ooh, I want a space. Then Drina said, hey,

0:16:38.440 --> 0:16:40.120
<v Speaker 1>Tiffany should come by and see the space I'm going

0:16:40.200 --> 0:16:42.040
<v Speaker 1>to get. Then I went and I was like, oh,

0:16:42.200 --> 0:16:45.040
<v Speaker 1>I want a space because everyone who goes there always says, ooh,

0:16:45.600 --> 0:16:47.760
<v Speaker 1>I want to space, and so Drina and I ended

0:16:47.840 --> 0:16:51.440
<v Speaker 1>up sharing, and so we love our space. But like

0:16:51.520 --> 0:16:53.440
<v Speaker 1>every time I turn around, it just gets better every

0:16:53.480 --> 0:16:55.840
<v Speaker 1>month because what I love about our space is that

0:16:55.840 --> 0:16:59.080
<v Speaker 1>it's it's a converted warehouse. Mandy's been there several times.

0:16:59.200 --> 0:17:02.760
<v Speaker 1>Ye you know, it's a converted warehouse, but really it's

0:17:02.800 --> 0:17:04.600
<v Speaker 1>not even so much like the look of it. It's

0:17:04.640 --> 0:17:07.119
<v Speaker 1>cute though, but it's like there's just so many amazing

0:17:07.160 --> 0:17:09.080
<v Speaker 1>people in the building. You know, you just bump into

0:17:09.080 --> 0:17:11.560
<v Speaker 1>someone in the hallway and you're like, oh wow, you

0:17:11.560 --> 0:17:13.760
<v Speaker 1>know you're like the YouTube kid with like the million

0:17:13.800 --> 0:17:16.800
<v Speaker 1>dollar brand. Cool. Oh wow, you're like the people that invented,

0:17:16.960 --> 0:17:20.480
<v Speaker 1>you know, like the cell phone case that sticks to wall.

0:17:20.760 --> 0:17:23.840
<v Speaker 1>That's cool. So there's just so many awesome people in

0:17:23.880 --> 0:17:24.400
<v Speaker 1>the building.

0:17:24.600 --> 0:17:27.000
<v Speaker 2>Wouldn't my cell phone case need to stick to a wall?

0:17:28.119 --> 0:17:28.600
<v Speaker 2>I don't know.

0:17:28.680 --> 0:17:32.159
<v Speaker 1>So basically it's like this weird gelatine thing on the

0:17:32.200 --> 0:17:34.399
<v Speaker 1>back of a cell phone case. Like, so let's just say,

0:17:34.480 --> 0:17:37.320
<v Speaker 1>if you're like doing a video and you wanted to

0:17:37.400 --> 0:17:39.320
<v Speaker 1>like or take a picture of yourself, you could stick

0:17:39.359 --> 0:17:42.720
<v Speaker 1>it to like almost everything except for there's only a

0:17:42.760 --> 0:17:45.919
<v Speaker 1>few services that won't stick to. But basically, I don't know.

0:17:45.960 --> 0:17:47.280
<v Speaker 1>It's just like if it gets you, you want to take

0:17:47.320 --> 0:17:49.720
<v Speaker 1>a picture of video, you want to watch something, and

0:17:49.760 --> 0:17:52.280
<v Speaker 1>you don't want to hold your phone. It's actually really cool.

0:17:52.480 --> 0:17:55.359
<v Speaker 1>They make like a bajillion dollars. Oh yeah, they just

0:17:55.359 --> 0:17:58.720
<v Speaker 1>started some young twenty year old. They've got this huge

0:17:58.760 --> 0:18:02.640
<v Speaker 1>space in the in our in our in our office building,

0:18:03.080 --> 0:18:05.440
<v Speaker 1>and doesn't what I mean, there's just so many random

0:18:05.440 --> 0:18:07.639
<v Speaker 1>businesses and you're like, oh, that's cool. There's like a

0:18:07.760 --> 0:18:10.920
<v Speaker 1>mentoring business. There's I found my new and natural hair

0:18:10.960 --> 0:18:15.280
<v Speaker 1>care stylist. She she's literally right down the hall for

0:18:15.359 --> 0:18:17.480
<v Speaker 1>me and she said, oh, I do sister Lock. So

0:18:17.480 --> 0:18:19.320
<v Speaker 1>I'm actually getting my hair done for the first time

0:18:19.440 --> 0:18:22.760
<v Speaker 1>with her this week. And so it's just so awesome.

0:18:22.800 --> 0:18:25.600
<v Speaker 1>And so it's just being around, like you know, other

0:18:25.840 --> 0:18:28.600
<v Speaker 1>entrepreneurs and people who are going for theirs. It's just

0:18:28.800 --> 0:18:31.879
<v Speaker 1>really inspiring. And so I just want to Brown Brown

0:18:32.000 --> 0:18:34.800
<v Speaker 1>boost my awesome space because of the awesome energy and

0:18:34.840 --> 0:18:35.840
<v Speaker 1>the people that are there.

0:18:36.920 --> 0:18:39.159
<v Speaker 2>That's nice, and it's very it's very like it's a

0:18:39.160 --> 0:18:40.600
<v Speaker 2>lot of people there. But I mean, I know, I've

0:18:40.640 --> 0:18:43.840
<v Speaker 2>always been on Sunday nights when it's like kind of quiet,

0:18:43.880 --> 0:18:46.960
<v Speaker 2>but it feels kind of peaceful, like it's not noisy

0:18:47.000 --> 0:18:48.880
<v Speaker 2>and distracting. But like I can tell when you want

0:18:48.880 --> 0:18:50.720
<v Speaker 2>to be, like you want to socialize, Like you can

0:18:50.720 --> 0:18:52.760
<v Speaker 2>go out there to like your shared spaces and stuff

0:18:52.760 --> 0:18:53.680
<v Speaker 2>and socialize.

0:18:54.040 --> 0:18:56.440
<v Speaker 1>Yeah, for sure, Oh I like it.

0:18:58.080 --> 0:19:00.920
<v Speaker 2>So I'm going to brown break today. I'm gonna go

0:19:01.040 --> 0:19:04.840
<v Speaker 2>negative my brown break. Sorry, I got to balance it

0:19:04.840 --> 0:19:09.159
<v Speaker 2>out all that happiness. I'm gonna I'm gonna do a

0:19:09.200 --> 0:19:13.639
<v Speaker 2>brown break for airline fee. Sneaky airline fees. So I

0:19:13.640 --> 0:19:17.560
<v Speaker 2>thought that Spirit Airlines was the only worst airline, like

0:19:17.600 --> 0:19:20.560
<v Speaker 2>the one where they charge you for breathing, they charge

0:19:20.600 --> 0:19:23.399
<v Speaker 2>you for sitting in a certain position, they charge you

0:19:23.440 --> 0:19:25.840
<v Speaker 2>for walking a weird way, like they just fees on

0:19:25.920 --> 0:19:31.359
<v Speaker 2>bees on bees. But like I took a carrier called Allegiant.

0:19:31.840 --> 0:19:35.200
<v Speaker 2>So this trip is like a double trip. I first

0:19:35.240 --> 0:19:37.439
<v Speaker 2>went to Vegas and then I came to Montana, and

0:19:37.480 --> 0:19:39.120
<v Speaker 2>I flew from Vegas to Montana. It's like a less

0:19:39.119 --> 0:19:42.520
<v Speaker 2>than two hour flight. These people, Allegiant Airlines wanted five

0:19:42.600 --> 0:19:45.480
<v Speaker 2>dollars to print my boarding pass for me, Like for

0:19:45.560 --> 0:19:47.879
<v Speaker 2>the pleasure printing my for the honor of them printing

0:19:47.880 --> 0:19:50.240
<v Speaker 2>my boarding pass for me. Then when you get to

0:19:50.280 --> 0:19:53.800
<v Speaker 2>the gate, thank god I bought. I purchased my carry

0:19:53.840 --> 0:19:56.320
<v Speaker 2>on when I bought my flight, because it's they don't

0:19:56.320 --> 0:19:58.399
<v Speaker 2>give you a free carry on. They charge like I

0:19:58.400 --> 0:20:00.760
<v Speaker 2>think I paid twenty dollars to have a CA bag

0:20:01.600 --> 0:20:03.280
<v Speaker 2>like a roller bag, you know, not like the thing

0:20:03.280 --> 0:20:05.000
<v Speaker 2>you put under your seat, but like a real carry

0:20:05.040 --> 0:20:07.960
<v Speaker 2>on when I bought my flight months ago. Because when

0:20:07.960 --> 0:20:09.840
<v Speaker 2>I got to the gate, they made this big announcement

0:20:09.840 --> 0:20:11.879
<v Speaker 2>and it was like the longest announcement ever. They were like,

0:20:14.200 --> 0:20:17.520
<v Speaker 2>people who sit in rows like X through Y, you

0:20:18.000 --> 0:20:20.720
<v Speaker 2>do not qualify for a carry on bag. You will

0:20:20.720 --> 0:20:22.919
<v Speaker 2>have to pay fifty dollars. If you have a bag

0:20:23.240 --> 0:20:25.679
<v Speaker 2>that is too large to fit under your seat. People

0:20:25.680 --> 0:20:28.919
<v Speaker 2>who are in rows are through tea, you will have

0:20:28.960 --> 0:20:30.639
<v Speaker 2>to pay thirty dollars for your carry on bag. And

0:20:30.680 --> 0:20:33.480
<v Speaker 2>just like on and on and all these like parameters

0:20:33.480 --> 0:20:37.080
<v Speaker 2>around this carry on bag. And I saw this family, poor,

0:20:37.359 --> 0:20:39.560
<v Speaker 2>this poor family, you know, like when you have kids,

0:20:39.600 --> 0:20:42.399
<v Speaker 2>like you have bags on bags on bags, And they

0:20:42.480 --> 0:20:44.359
<v Speaker 2>must have had six bags between the husband and the

0:20:44.400 --> 0:20:46.879
<v Speaker 2>wife and the tiny children. They had to pay like

0:20:46.960 --> 0:20:49.560
<v Speaker 2>three hundred dollars. Oh my god, the gate for all

0:20:49.640 --> 0:20:53.080
<v Speaker 2>these bags. It was crazy, and it just it just

0:20:53.160 --> 0:20:56.040
<v Speaker 2>drives me nuts. And then you finally get on the

0:20:56.040 --> 0:20:58.119
<v Speaker 2>plane and I'm like, okay, the seats are nice at least.

0:20:58.119 --> 0:21:01.359
<v Speaker 2>But then the the attendants come by with like the

0:21:01.400 --> 0:21:03.840
<v Speaker 2>food and beverage cart, and I had my headphones in

0:21:03.880 --> 0:21:05.600
<v Speaker 2>and I was like, oh, no, thank you, and she

0:21:05.640 --> 0:21:07.680
<v Speaker 2>says no, And I said, do you do you want something?

0:21:07.720 --> 0:21:10.400
<v Speaker 2>Do you want to purchase something for purchase from the cart?

0:21:11.040 --> 0:21:14.720
<v Speaker 2>Like there wasn't even a free drink, no free pretzels.

0:21:14.800 --> 0:21:17.440
<v Speaker 2>Just no, I wasn't going to give it to you.

0:21:17.720 --> 0:21:19.280
<v Speaker 2>I wanted to pay for it.

0:21:20.359 --> 0:21:21.320
<v Speaker 1>They're like, oh, that's cute.

0:21:21.359 --> 0:21:24.399
<v Speaker 2>Did you think did you think these were free? Because

0:21:24.440 --> 0:21:28.440
<v Speaker 2>that's so so weird, so weird. No, no, honey, no,

0:21:29.040 --> 0:21:32.159
<v Speaker 2>we don't do that here, not an allegiant. Oh so

0:21:32.280 --> 0:21:35.080
<v Speaker 2>that's my brown break. Just cheap cheap airlines just like

0:21:35.200 --> 0:21:37.200
<v Speaker 2>read the fine. I mean, it was a really cheap flight.

0:21:37.320 --> 0:21:39.320
<v Speaker 2>And I feel like, you know, I got my money's

0:21:39.359 --> 0:21:41.119
<v Speaker 2>worth because it was really it was less than one

0:21:41.160 --> 0:21:44.359
<v Speaker 2>hundred dollars for this flight to to Montana. But The

0:21:44.359 --> 0:21:45.920
<v Speaker 2>only reason I didn't end up paying like an arm

0:21:45.920 --> 0:21:47.760
<v Speaker 2>and a leg is because I read the fine print

0:21:47.800 --> 0:21:50.719
<v Speaker 2>and paid for my crap and downloaded the app real

0:21:50.840 --> 0:21:52.280
<v Speaker 2>quick when I found out I had to pay five

0:21:52.320 --> 0:21:53.760
<v Speaker 2>dollars to print my boarding pass.

0:21:54.200 --> 0:21:56.399
<v Speaker 1>Yeah, you just have to, like you said, if it's

0:21:56.440 --> 0:21:59.919
<v Speaker 1>an unfamiliar airline, you definitely want to like read the

0:22:00.400 --> 0:22:02.760
<v Speaker 1>I think. When I was flying from Spain to Morocco,

0:22:03.080 --> 0:22:07.960
<v Speaker 1>one of my friends works for United, and she gifted

0:22:08.000 --> 0:22:10.000
<v Speaker 1>me for my birthday, like maybe a few years ago,

0:22:10.160 --> 0:22:13.960
<v Speaker 1>like a flight from uh Newark to Spain and back.

0:22:14.320 --> 0:22:15.680
<v Speaker 1>And so I was like, ooh, I mean it was

0:22:15.720 --> 0:22:17.800
<v Speaker 1>stand by, but still, hey, I didn't have to pay,

0:22:17.880 --> 0:22:20.359
<v Speaker 1>you know. Yeah, And so I was like okay, because

0:22:20.359 --> 0:22:21.760
<v Speaker 1>I told her I wanted to go to Morocco for

0:22:21.800 --> 0:22:23.479
<v Speaker 1>my birthday, She's like, well, we don't fly to Morocco,

0:22:23.520 --> 0:22:26.680
<v Speaker 1>but we fly to Spain Madrid. So I said, okay,

0:22:26.680 --> 0:22:28.200
<v Speaker 1>I'll go to Madrid to keep a couple of days

0:22:28.200 --> 0:22:30.639
<v Speaker 1>by myself, which I loved, and then I flew to

0:22:30.680 --> 0:22:33.800
<v Speaker 1>Morocco to meet my friend Madeline, who I always travel

0:22:33.840 --> 0:22:36.280
<v Speaker 1>with on my birthday. And so I flew and as

0:22:36.320 --> 0:22:40.280
<v Speaker 1>I was flying from Spain, Madrid to Morocco. There's this

0:22:40.320 --> 0:22:44.919
<v Speaker 1>I think it's ryanair girl whool Chald like to carry

0:22:45.040 --> 0:22:47.399
<v Speaker 1>like you were literally allowed to carry like nothing. I

0:22:47.440 --> 0:22:50.880
<v Speaker 1>think you could have like a book bag and then

0:22:51.359 --> 0:22:53.199
<v Speaker 1>but even that that was like they charged you. I

0:22:53.200 --> 0:22:56.640
<v Speaker 1>think it was like sixty euros something ridiculous, and then

0:22:56.720 --> 0:22:58.879
<v Speaker 1>anything else, like you couldn't even have anything in your arms.

0:22:59.040 --> 0:23:00.680
<v Speaker 1>Like I had to go to the backroom because I

0:23:00.720 --> 0:23:03.359
<v Speaker 1>had I had a little carry on, but I also

0:23:03.400 --> 0:23:05.439
<v Speaker 1>had like my book bag, and they're like, oh, no, no, no,

0:23:05.560 --> 0:23:06.720
<v Speaker 1>you're gonna have to You're gonna have to pay like

0:23:06.760 --> 0:23:09.000
<v Speaker 1>one hundred twenty year old. I'm like what because the

0:23:09.040 --> 0:23:12.000
<v Speaker 1>fight itself was like fifty bucks. So I ended up

0:23:12.080 --> 0:23:14.680
<v Speaker 1>like putting on layers of clothes so my book back

0:23:14.680 --> 0:23:17.200
<v Speaker 1>can fit inside my carry on. And at one point

0:23:17.200 --> 0:23:19.720
<v Speaker 1>I had like this little it's like a little almost

0:23:19.760 --> 0:23:21.639
<v Speaker 1>like you know how like when you're traveling you have

0:23:21.680 --> 0:23:24.280
<v Speaker 1>all your travel documents and like a little leather like

0:23:24.320 --> 0:23:28.440
<v Speaker 1>sometimes like a little leather case. It's like an inflated wallet. Yeah, girl,

0:23:28.560 --> 0:23:30.440
<v Speaker 1>they were like, oh, that's a carry on. I'm like

0:23:30.600 --> 0:23:33.000
<v Speaker 1>this thing in my hand, the sides of a book.

0:23:33.320 --> 0:23:35.320
<v Speaker 1>This thing in my hand. Girl, I put it down

0:23:35.320 --> 0:23:38.479
<v Speaker 1>my pants and I was like what, like what, I

0:23:38.520 --> 0:23:40.880
<v Speaker 1>cannot believe it? And I was like, you know what

0:23:40.920 --> 0:23:43.080
<v Speaker 1>though I didn't read the fine print, and it was just,

0:23:43.800 --> 0:23:46.760
<v Speaker 1>you know, I learned my lesson and thankfully my girl

0:23:46.880 --> 0:23:48.920
<v Speaker 1>MADDENI when I met her in Morocco, I sent her home,

0:23:49.040 --> 0:23:50.680
<v Speaker 1>was like, all my things so I could fly back

0:23:50.880 --> 0:23:53.200
<v Speaker 1>fairly cheaply on Ryan Air without having to worry about

0:23:53.200 --> 0:23:53.720
<v Speaker 1>all those things.

0:23:53.720 --> 0:23:55.159
<v Speaker 2>But it just it's just a.

0:23:55.200 --> 0:23:58.800
<v Speaker 1>Good Yeah, it's not a bad. It's it's really cheap.

0:23:58.800 --> 0:24:00.960
<v Speaker 1>But you have to know, like it's really cheap because

0:24:01.119 --> 0:24:02.840
<v Speaker 1>you have to follow all of the rules, like print

0:24:02.880 --> 0:24:04.880
<v Speaker 1>everything out in advance, you know, make sure you don't

0:24:04.880 --> 0:24:07.480
<v Speaker 1>carry all all these extra things. So once you know

0:24:07.560 --> 0:24:09.440
<v Speaker 1>those things and you read the fine print, you're fine.

0:24:09.520 --> 0:24:11.720
<v Speaker 1>But most of us don't read the fine print, because

0:24:11.760 --> 0:24:13.640
<v Speaker 1>lord knows I didn't. That was like, what, I'll be back,

0:24:13.720 --> 0:24:15.200
<v Speaker 1>let me go to the bathroom. I had so many

0:24:15.240 --> 0:24:19.119
<v Speaker 1>clothes on and I was hot, but I was like,

0:24:19.160 --> 0:24:22.560
<v Speaker 1>I am not paying additional sixty euros. At the time

0:24:22.600 --> 0:24:24.000
<v Speaker 1>that was like double It was like one hundred and

0:24:24.000 --> 0:24:26.520
<v Speaker 1>twenty dollars in US, and I was like, Yeah.

0:24:26.359 --> 0:24:27.280
<v Speaker 3>I don't have that.

0:24:27.280 --> 0:24:29.000
<v Speaker 1>That's coral. It is Cray.

0:24:29.240 --> 0:24:40.080
<v Speaker 3>That is Cray.

0:24:40.680 --> 0:24:45.639
<v Speaker 1>It's time for letters from y'all. It's time for the

0:24:45.720 --> 0:24:48.240
<v Speaker 1>BA letters. Do we have any good questions?

0:24:48.680 --> 0:24:51.359
<v Speaker 2>Letters from y'all should be the name of this segment.

0:24:52.240 --> 0:24:57.159
<v Speaker 2>Letters from y'all. I like that. Yes, I do have a.

0:24:57.280 --> 0:24:59.320
<v Speaker 2>I have a I have a good question. So this

0:24:59.359 --> 0:25:03.000
<v Speaker 2>woman to be known by Hillary. Okay with you else?

0:25:04.040 --> 0:25:06.639
<v Speaker 2>So she says, Hi, Annie and Tiffany, I recently started

0:25:06.640 --> 0:25:10.040
<v Speaker 2>listening to the podcast and I'm playing catchup. Thanks for

0:25:10.080 --> 0:25:12.680
<v Speaker 2>sharing with us about your lives and informative tips about

0:25:12.720 --> 0:25:15.880
<v Speaker 2>ways to save money and do better financially. Thank you, Hillary.

0:25:16.720 --> 0:25:18.680
<v Speaker 2>Now here's her question. She says, what's the best way

0:25:18.720 --> 0:25:21.920
<v Speaker 2>to handle student loan refunds. I recently started a graduate

0:25:21.960 --> 0:25:24.680
<v Speaker 2>program and we'll receive a refund check. I want to

0:25:24.680 --> 0:25:26.560
<v Speaker 2>buy a new home, and I don't know if I

0:25:26.560 --> 0:25:28.240
<v Speaker 2>should use some of the money to put back on

0:25:28.280 --> 0:25:30.960
<v Speaker 2>my loans and add a little bit to my savings

0:25:31.000 --> 0:25:34.919
<v Speaker 2>for the down payment. So that's her question. What should

0:25:34.920 --> 0:25:36.800
<v Speaker 2>she do with her student loan refund and is it

0:25:36.840 --> 0:25:40.879
<v Speaker 2>okay to use it for something that you want to

0:25:40.920 --> 0:25:43.080
<v Speaker 2>purchase or should you maybe use it to pay back

0:25:43.520 --> 0:25:45.040
<v Speaker 2>your loans.

0:25:45.040 --> 0:25:48.920
<v Speaker 1>So knee jerk reaction, pay back your loans. But I'll

0:25:48.960 --> 0:25:51.280
<v Speaker 1>say this because my dad did this once. He It

0:25:51.359 --> 0:25:54.280
<v Speaker 1>all depends on interest rates. So at the time, student

0:25:54.280 --> 0:25:58.959
<v Speaker 1>loan interest rate was super low, and he wanted to

0:25:59.400 --> 0:26:01.280
<v Speaker 1>get a call or something like that. He needed it

0:26:01.280 --> 0:26:04.720
<v Speaker 1>for work, and so he got his refund check bought

0:26:04.880 --> 0:26:10.040
<v Speaker 1>like a car like and it was able to Basically,

0:26:10.119 --> 0:26:12.359
<v Speaker 1>it was cheaper to use the student loan money and

0:26:12.400 --> 0:26:14.399
<v Speaker 1>pay that back at the low interest rate than what

0:26:14.520 --> 0:26:17.000
<v Speaker 1>he would have paid if he had bought the car

0:26:18.000 --> 0:26:22.320
<v Speaker 1>used financing from the car company. So if the student

0:26:22.359 --> 0:26:25.880
<v Speaker 1>loan interest rate is lower than your mortgage rate, then

0:26:25.920 --> 0:26:28.800
<v Speaker 1>it might make sense because either way, a borrowing is borrowing,

0:26:28.880 --> 0:26:32.359
<v Speaker 1>you know. So that's what I mean. It's dangerous though.

0:26:32.520 --> 0:26:36.200
<v Speaker 1>It's a dangerous habit though to me anyway, to keep

0:26:36.320 --> 0:26:38.399
<v Speaker 1>taking a lot of money from student loans because I

0:26:38.440 --> 0:26:40.040
<v Speaker 1>did that. You know, I used every single one of

0:26:40.040 --> 0:26:43.560
<v Speaker 1>my refund checks for foolishness. I was like, ooh, every money.

0:26:43.880 --> 0:26:46.200
<v Speaker 2>I don't know so many people did that. Yeah, thank god,

0:26:46.240 --> 0:26:47.960
<v Speaker 2>mind really like two hundred dollars.

0:26:48.080 --> 0:26:50.359
<v Speaker 1>But still, you know, I was like, ooh, you know,

0:26:50.720 --> 0:26:53.840
<v Speaker 1>and so I didn't use it for anything wise. But

0:26:53.880 --> 0:26:57.920
<v Speaker 1>if you're going to use your student loan money, then

0:26:58.440 --> 0:27:01.040
<v Speaker 1>whatever you use it on should either one be making

0:27:01.080 --> 0:27:04.000
<v Speaker 1>you money or two saving you money. Because the student

0:27:04.040 --> 0:27:06.880
<v Speaker 1>loan interest rate payback it's cheaper than the thing your

0:27:06.880 --> 0:27:10.159
<v Speaker 1>buying's interest rate payback. What do you think, Landy, I

0:27:10.200 --> 0:27:10.919
<v Speaker 1>totally agree with you.

0:27:10.920 --> 0:27:12.600
<v Speaker 2>I would just caution you know, it can get really

0:27:12.680 --> 0:27:16.960
<v Speaker 2>easy to like justify using your student loans when you're like, well,

0:27:17.200 --> 0:27:19.520
<v Speaker 2>i could put the spring break trip on my credit card,

0:27:19.560 --> 0:27:22.199
<v Speaker 2>but I'll save money by using my refund checks obviously

0:27:22.320 --> 0:27:24.960
<v Speaker 2>that instead. But it's like you're kind of creating reasons

0:27:24.960 --> 0:27:27.400
<v Speaker 2>to use it just to kind of give you the excuse.

0:27:27.440 --> 0:27:29.720
<v Speaker 2>But I think if there's not a pressing need, I

0:27:29.760 --> 0:27:32.440
<v Speaker 2>would just say, you know, return it if you can,

0:27:33.080 --> 0:27:35.080
<v Speaker 2>or use it just to pay back your loans immediately

0:27:35.160 --> 0:27:37.840
<v Speaker 2>if you can. I mean, I struggled a lot through college.

0:27:37.880 --> 0:27:40.680
<v Speaker 2>I got my little part time job and I paid

0:27:40.680 --> 0:27:43.119
<v Speaker 2>the rent, and I was like poor the entire time.

0:27:43.800 --> 0:27:45.479
<v Speaker 2>But one of the best things I did for myself

0:27:45.520 --> 0:27:48.200
<v Speaker 2>was not graduate with tons and tons of student debt,

0:27:48.240 --> 0:27:49.600
<v Speaker 2>and I could be out of it within a couple

0:27:49.640 --> 0:27:52.880
<v Speaker 2>of years after graduation, and if you're in she said,

0:27:52.880 --> 0:27:55.639
<v Speaker 2>she's started a graduate program, so that means she probably

0:27:55.640 --> 0:28:02.040
<v Speaker 2>has underground undergrad student loan debt already. And I wonder, well, no,

0:28:02.440 --> 0:28:04.680
<v Speaker 2>there's probably not a private student loan because you don't

0:28:04.720 --> 0:28:07.320
<v Speaker 2>get refunds from that. But or do you do you

0:28:07.320 --> 0:28:09.080
<v Speaker 2>think it could be private student loan debt, because if

0:28:09.119 --> 0:28:10.159
<v Speaker 2>it's private, I.

0:28:10.119 --> 0:28:11.720
<v Speaker 1>Don't think you would get a refund. It has to

0:28:11.720 --> 0:28:14.880
<v Speaker 1>be better, yeah, because I mean, I don't know, I've

0:28:14.880 --> 0:28:17.040
<v Speaker 1>never had a private student loan, but to my knowledge,

0:28:17.080 --> 0:28:19.320
<v Speaker 1>private student loans don't don't give you refund checks.

0:28:20.840 --> 0:28:23.000
<v Speaker 2>But I mean, I'm glad that she's at least asking

0:28:23.040 --> 0:28:25.760
<v Speaker 2>the question, and I don't know she doesn't. She also

0:28:25.800 --> 0:28:30.280
<v Speaker 2>doesn't say how much of a refund she's getting, So really,

0:28:30.320 --> 0:28:32.640
<v Speaker 2>how much, how much? How far could you get toward

0:28:32.720 --> 0:28:36.320
<v Speaker 2>putting you know, toward your down payment fund for a house.

0:28:37.320 --> 0:28:39.120
<v Speaker 2>She actually has a second part to her question, and

0:28:39.680 --> 0:28:41.600
<v Speaker 2>I kind of want to talk about the whole question

0:28:41.680 --> 0:28:44.120
<v Speaker 2>of should you buy a house, like is there pressure

0:28:44.160 --> 0:28:46.080
<v Speaker 2>to get a house right away if you're at a

0:28:46.080 --> 0:28:50.360
<v Speaker 2>certain age. Because she's in grad school, she's having trouble

0:28:50.360 --> 0:28:53.400
<v Speaker 2>saving obviously based on her first question, and she wants

0:28:53.400 --> 0:28:55.920
<v Speaker 2>to put this refund check toward her house down payment.

0:28:56.000 --> 0:28:59.960
<v Speaker 2>So here's part two of Hillary's question. She says, how

0:29:00.040 --> 0:29:01.920
<v Speaker 2>can I afford a home on a small income? I

0:29:02.000 --> 0:29:04.560
<v Speaker 2>was laid off from my decent paying job two years ago.

0:29:05.000 --> 0:29:07.400
<v Speaker 2>I've started working again, but ended up with the reduction

0:29:07.480 --> 0:29:10.600
<v Speaker 2>in salary of almost twenty thousand dollars. I want nothing

0:29:10.640 --> 0:29:12.680
<v Speaker 2>more than to buy a better and begger home for

0:29:12.760 --> 0:29:14.800
<v Speaker 2>my daughter and I. My goal is to buy a

0:29:14.840 --> 0:29:18.240
<v Speaker 2>new home in twenty eighteen. She goes on to say

0:29:18.240 --> 0:29:20.960
<v Speaker 2>that I have credit card debt of about two thousand dollars,

0:29:21.040 --> 0:29:23.880
<v Speaker 2>I have a FICO score of six point eighty, and

0:29:24.000 --> 0:29:26.760
<v Speaker 2>I'm using the snowball method to pay off my two

0:29:26.800 --> 0:29:31.680
<v Speaker 2>thousand dollars credit card debt. Basically, any suggestions or advice

0:29:31.760 --> 0:29:38.080
<v Speaker 2>on how I can afford a home on a small income? Oh, Hillary, And.

0:29:38.240 --> 0:29:40.959
<v Speaker 1>I was like, who should be the bearer of bad news?

0:29:42.960 --> 0:29:46.000
<v Speaker 2>Don't do it? It's gonna tell do it.

0:29:46.520 --> 0:29:49.680
<v Speaker 1>You can't. I'm like, can't, And I mean we're you know,

0:29:49.760 --> 0:29:52.040
<v Speaker 1>we're giggling. We're not because we're giggling at you. It's

0:29:52.160 --> 0:29:55.720
<v Speaker 1>just that believe we have. Everyone has been there. When

0:29:55.760 --> 0:29:59.200
<v Speaker 1>you're like, huh, there's this thing I want, I can't.

0:30:00.080 --> 0:30:03.480
<v Speaker 1>It doesn't make sense to you know where I currently

0:30:03.480 --> 0:30:05.400
<v Speaker 1>am in life, but I really want it, and I

0:30:05.440 --> 0:30:10.080
<v Speaker 1>can completely understand that. But first, one, your credit score

0:30:10.160 --> 0:30:12.960
<v Speaker 1>is going to guarantee that you pay so much more

0:30:13.040 --> 0:30:15.760
<v Speaker 1>an interest, Like you want to get your credit score

0:30:16.040 --> 0:30:20.680
<v Speaker 1>ideally to a seven forty or above, because anything above

0:30:20.680 --> 0:30:23.680
<v Speaker 1>a seven forty you're going to get the best interest

0:30:23.760 --> 0:30:27.000
<v Speaker 1>rate that can be offered to you. So that's one. Two,

0:30:27.520 --> 0:30:29.880
<v Speaker 1>If you have student loan debt, which clearly you're going

0:30:29.920 --> 0:30:33.840
<v Speaker 1>to have because you're you're buying you told us about

0:30:33.840 --> 0:30:36.480
<v Speaker 1>getting a refund check, that student loan debt is going

0:30:36.520 --> 0:30:39.640
<v Speaker 1>to be factored into how much house you can afford.

0:30:39.920 --> 0:30:45.480
<v Speaker 1>So when Superman, for example, my fiance was being basically

0:30:45.560 --> 0:30:47.960
<v Speaker 1>vetted to see if he could be pre qualified for

0:30:48.040 --> 0:30:51.000
<v Speaker 1>a loan. Here are the questions they asked him. You know,

0:30:51.120 --> 0:30:52.840
<v Speaker 1>do you have a job, yes, how long have you

0:30:52.840 --> 0:30:55.520
<v Speaker 1>worked there? They want to see you have steady income. Two,

0:30:55.960 --> 0:30:58.920
<v Speaker 1>how much do you make? He makes a decent amount,

0:30:59.000 --> 0:31:00.920
<v Speaker 1>not a whole lot, but a decent him out the

0:31:01.000 --> 0:31:03.440
<v Speaker 1>thing that saved him though, because he doesn't make a

0:31:03.440 --> 0:31:06.920
<v Speaker 1>whole lot. Is the fact that he's debt free. You know,

0:31:07.200 --> 0:31:10.320
<v Speaker 1>like literally, he no credit card debt, no student loan,

0:31:10.560 --> 0:31:14.240
<v Speaker 1>no nothing, debt free. So that worked tremendously in his favor.

0:31:14.320 --> 0:31:16.240
<v Speaker 1>And then on top of that, his credit score is

0:31:16.280 --> 0:31:20.160
<v Speaker 1>seven fifty. So although Superman doesn't make a whole lot

0:31:20.320 --> 0:31:22.880
<v Speaker 1>because he was debt free, because he's worked at his

0:31:22.960 --> 0:31:25.120
<v Speaker 1>job for a number of years, and because his credit

0:31:25.160 --> 0:31:27.600
<v Speaker 1>score is great, these things are all going to play

0:31:27.640 --> 0:31:30.120
<v Speaker 1>a major role until whether or not you're really going

0:31:30.160 --> 0:31:32.800
<v Speaker 1>to be able to get a mortgage. So for you,

0:31:32.800 --> 0:31:34.680
<v Speaker 1>you have the student loan debt, which I don't know

0:31:34.680 --> 0:31:37.600
<v Speaker 1>how significant it is. Two you're not making as much

0:31:37.640 --> 0:31:40.360
<v Speaker 1>as you did. Three your credit score is not quite there,

0:31:40.560 --> 0:31:42.440
<v Speaker 1>so you're going to want to work on those things

0:31:42.760 --> 0:31:46.239
<v Speaker 1>before moving forward to buy a home or else you're

0:31:46.280 --> 0:31:48.600
<v Speaker 1>going to lock yourself into a position where you can

0:31:48.760 --> 0:31:53.600
<v Speaker 1>barely afford. Even if someone somehow gets your mortgage, you

0:31:53.640 --> 0:31:56.479
<v Speaker 1>know you're going to have a hard time keeping up

0:31:56.480 --> 0:31:59.880
<v Speaker 1>with it because of those things.

0:31:58.840 --> 0:32:01.040
<v Speaker 2>And the fact that she has I think that answer

0:32:01.080 --> 0:32:03.120
<v Speaker 2>was great. The fact that she has credit card debt

0:32:03.640 --> 0:32:05.800
<v Speaker 2>of about two thousand dollars and she's working to pay

0:32:05.800 --> 0:32:08.040
<v Speaker 2>that off. I wonder if if she's gonna take the

0:32:08.080 --> 0:32:11.200
<v Speaker 2>refund check anyway, and the interest rate maybe is super low.

0:32:11.240 --> 0:32:13.400
<v Speaker 2>I think interest rates are like under six percent now,

0:32:13.640 --> 0:32:15.400
<v Speaker 2>would it makes sense for her to put the refund

0:32:15.440 --> 0:32:17.400
<v Speaker 2>toward her credit card debt. I think that makes made me.

0:32:17.360 --> 0:32:19.560
<v Speaker 1>More sense and dobting it in.

0:32:19.520 --> 0:32:22.080
<v Speaker 2>The savings account, because at the most you're gonna get

0:32:22.080 --> 0:32:25.240
<v Speaker 2>what one percent on the best savings account today. You'll

0:32:25.320 --> 0:32:27.680
<v Speaker 2>probably do better for yourself and your goal of eventually

0:32:27.840 --> 0:32:30.560
<v Speaker 2>buying a house by paying off your credit card debt

0:32:30.560 --> 0:32:34.240
<v Speaker 2>and improving your FICO score and lowering your debt to

0:32:34.240 --> 0:32:37.959
<v Speaker 2>income ratio all at the same time. She also mentions

0:32:37.960 --> 0:32:40.720
<v Speaker 2>that her student loans from undergrad are on income based

0:32:40.760 --> 0:32:44.320
<v Speaker 2>repayment right now with zero dollars, which is fine, but

0:32:44.360 --> 0:32:47.200
<v Speaker 2>that's kind of a band aid. You know, income based

0:32:47.200 --> 0:32:50.680
<v Speaker 2>repayment interest is still accruing, and that that whole debt

0:32:50.880 --> 0:32:53.760
<v Speaker 2>load is still counting against you in terms of, you know,

0:32:54.320 --> 0:32:56.840
<v Speaker 2>qualifying for a home loan of the size that you want.

0:32:57.600 --> 0:32:59.920
<v Speaker 2>So I would, yeah, I would make top priority as

0:33:00.080 --> 0:33:04.520
<v Speaker 2>taking care of your debt, and maybe the bigger house

0:33:04.560 --> 0:33:08.680
<v Speaker 2>isn't going to happen in twenty eighteen or even twenty nineteen, but.

0:33:09.440 --> 0:33:12.520
<v Speaker 1>It will, and honestly, you'd be surprised, honestly, because the

0:33:12.560 --> 0:33:14.280
<v Speaker 1>good thing is about is when you take care of

0:33:14.280 --> 0:33:17.080
<v Speaker 1>your debt, you are simultaneously taking care of your credit

0:33:17.680 --> 0:33:21.959
<v Speaker 1>because thirty percent of your credit score really is amount

0:33:22.000 --> 0:33:24.040
<v Speaker 1>of debt that you owe in comparison to what you make,

0:33:24.400 --> 0:33:26.440
<v Speaker 1>and so as you start to pay your bills on time,

0:33:26.760 --> 0:33:28.840
<v Speaker 1>it continue to do so as you get you know,

0:33:28.880 --> 0:33:31.480
<v Speaker 1>get rid of your debt, as you lower how much

0:33:31.520 --> 0:33:33.760
<v Speaker 1>you owe the student loans, that is going to affect

0:33:33.760 --> 0:33:36.000
<v Speaker 1>your credit score as well. So all of those things

0:33:36.040 --> 0:33:39.280
<v Speaker 1>work together collectively, and honestly, it took superman. I mean

0:33:39.280 --> 0:33:42.680
<v Speaker 1>we started dating three years ago. He's just now ready,

0:33:43.040 --> 0:33:45.760
<v Speaker 1>So it took a while before, like cause I have

0:33:45.840 --> 0:33:49.640
<v Speaker 1>a foreclosure on my like docket, so I really can't

0:33:49.680 --> 0:33:52.360
<v Speaker 1>help in this home home buyer's thing. So really it's

0:33:52.360 --> 0:33:55.880
<v Speaker 1>the money that he saves, and it's his credit score,

0:33:56.240 --> 0:33:58.000
<v Speaker 1>so all of this is on him. So it took

0:33:58.080 --> 0:34:01.960
<v Speaker 1>three years before he was to kind of say, okay, yes,

0:34:02.200 --> 0:34:04.720
<v Speaker 1>I've got the money, I've got the credit score. You know,

0:34:04.760 --> 0:34:06.880
<v Speaker 1>I've got the years in I've got the income in

0:34:06.960 --> 0:34:09.920
<v Speaker 1>order to move forward, and honestly, he can't afford like

0:34:09.960 --> 0:34:13.600
<v Speaker 1>some big, old, like amazing house. So one of the

0:34:13.640 --> 0:34:16.120
<v Speaker 1>things we're gonna do is we're looking for at minimum

0:34:16.120 --> 0:34:19.200
<v Speaker 1>a two family house, so we live in one and

0:34:19.239 --> 0:34:21.640
<v Speaker 1>get help with the mortgage with the other. Because one

0:34:21.640 --> 0:34:24.719
<v Speaker 1>thing how that helps is that they will factor in

0:34:24.920 --> 0:34:29.960
<v Speaker 1>the rent from the other units into his income. I

0:34:29.960 --> 0:34:32.760
<v Speaker 1>think like sixty or seventy percent can count as income,

0:34:32.920 --> 0:34:35.319
<v Speaker 1>so he can afford more house that way. So you know,

0:34:35.520 --> 0:34:38.839
<v Speaker 1>just really just really like finagling to see like what

0:34:38.880 --> 0:34:41.240
<v Speaker 1>you're able to do, but work on your core basics

0:34:41.280 --> 0:34:43.600
<v Speaker 1>first before leaping, because we would hate, Mandy and I

0:34:43.680 --> 0:34:47.319
<v Speaker 1>would hate for you to jump into leap into a

0:34:47.360 --> 0:34:49.839
<v Speaker 1>home and only to be in worse financial shape than

0:34:49.840 --> 0:34:50.480
<v Speaker 1>ever before.

0:34:50.880 --> 0:34:52.920
<v Speaker 2>Absolutely, and there's always someone out there willing to give

0:34:52.960 --> 0:34:55.359
<v Speaker 2>you a house you can't afford, yep, like even since

0:34:55.360 --> 0:34:58.160
<v Speaker 2>the recession. So focus on paying out for credit card

0:34:58.239 --> 0:35:02.520
<v Speaker 2>debt and taking care of your beautiful daughter and grats.

0:35:02.640 --> 0:35:04.839
<v Speaker 2>We have a lot on your plate, one one thing

0:35:04.880 --> 0:35:07.400
<v Speaker 2>at a time. No pressure to have the mc mansion,

0:35:08.200 --> 0:35:12.520
<v Speaker 2>you know right away? Alrighty, do you guys have questions?

0:35:12.520 --> 0:35:13.640
<v Speaker 2>You know? Where to find us. You can go to

0:35:13.719 --> 0:35:17.080
<v Speaker 2>Brown Ambition Podcast dot com and click on ask us anything,

0:35:17.239 --> 0:35:19.239
<v Speaker 2>or you can just shoot us an email directly at

0:35:19.280 --> 0:35:21.680
<v Speaker 2>Brown Ambition Podcast at gmail dot.

0:35:21.480 --> 0:35:25.200
<v Speaker 1>Com dot com. We did really good questions, don't you

0:35:25.280 --> 0:35:27.439
<v Speaker 1>feel like that? Man? These questions are getting good.

0:35:27.520 --> 0:35:29.200
<v Speaker 2>They're really getting good. And it shows that you guys

0:35:29.239 --> 0:35:32.640
<v Speaker 2>are really thinking before you, you know, take these huge steps.

0:35:32.640 --> 0:35:33.680
<v Speaker 2>And that's super smart.

0:35:34.280 --> 0:35:37.040
<v Speaker 1>Mm hmm, so smart you guys are. What I really

0:35:37.080 --> 0:35:38.960
<v Speaker 1>like too, is that you're giving us because remember in

0:35:39.000 --> 0:35:41.879
<v Speaker 1>the beginning the question be like credit card. You're like, well, girl,

0:35:41.920 --> 0:35:42.760
<v Speaker 1>I need more information.

0:35:43.280 --> 0:35:46.600
<v Speaker 2>Yes, thank you Hillary for giving us the details, I think,

0:35:47.440 --> 0:35:49.120
<v Speaker 2>And again you can well you know, we'll use a

0:35:49.160 --> 0:35:52.720
<v Speaker 2>fake name Hillary. Ain't Hillary tell us all your dirty laundry.

0:35:52.719 --> 0:35:54.600
<v Speaker 2>It is safe with us. We will not be sharing

0:35:54.640 --> 0:35:57.480
<v Speaker 2>your information with anybody, we promise. I don't even remember

0:35:57.520 --> 0:35:59.920
<v Speaker 2>half the questions that we get, So this is a

0:36:00.120 --> 0:36:03.839
<v Speaker 2>safe space. Tell us everything, and that just helps us

0:36:03.840 --> 0:36:05.440
<v Speaker 2>give you the best answer possible.

0:36:15.280 --> 0:36:20.280
<v Speaker 1>So now it's time to close the show with winds

0:36:20.440 --> 0:36:21.759
<v Speaker 1>from you and me.

0:36:23.000 --> 0:36:23.600
<v Speaker 2>That's nice.

0:36:24.120 --> 0:36:25.680
<v Speaker 1>I'm thinking like cause you remember, well you don't know

0:36:25.680 --> 0:36:27.279
<v Speaker 1>the Mickey Mouse Club m I c.

0:36:27.560 --> 0:36:29.840
<v Speaker 2>K Y the Mickey mouse Club.

0:36:30.560 --> 0:36:32.640
<v Speaker 1>I thought, you know, millennials, You know y'all.

0:36:33.040 --> 0:36:36.719
<v Speaker 2>Because I watched the justin Timberlake and Britney Spear story. Oh,

0:36:39.360 --> 0:36:41.560
<v Speaker 2>because you know Ryan Gosling was in the Mickey mouse Club.

0:36:43.440 --> 0:36:45.879
<v Speaker 1>You know what? That doesn't surprise me so far. Wait

0:36:45.880 --> 0:36:49.440
<v Speaker 1>a minute, we have forgot. Hello be ya say having twins?

0:36:53.239 --> 0:36:55.000
<v Speaker 2>Oh my god. Everyone listening is like, what are they

0:36:55.000 --> 0:36:56.160
<v Speaker 2>going to say it? What are they gonna mention?

0:36:56.320 --> 0:36:59.040
<v Speaker 1>Yes, I totally forgot. I don't know why we're it clicked.

0:36:59.040 --> 0:37:01.359
<v Speaker 1>I think I was thinking Mickey Mouth Club. I don't

0:37:01.400 --> 0:37:03.040
<v Speaker 1>know what the leap was, but the leaf happened.

0:37:03.480 --> 0:37:06.600
<v Speaker 2>Where were you when you learned having twins?

0:37:06.840 --> 0:37:09.600
<v Speaker 1>I was on Facebook and I was scrolling and I

0:37:09.640 --> 0:37:12.600
<v Speaker 1>saw this crazy picture of a woman that I've come

0:37:12.680 --> 0:37:15.600
<v Speaker 1>to know. One's Beyonce, like I don't know know, with

0:37:15.680 --> 0:37:17.400
<v Speaker 1>a veil on. And I was like, clearly, this is

0:37:17.400 --> 0:37:19.319
<v Speaker 1>a lie girl. She would never post a picture like this.

0:37:19.680 --> 0:37:21.960
<v Speaker 1>And someone said it was a screenshot. I said, let

0:37:21.960 --> 0:37:24.680
<v Speaker 1>me go to Instagram and investigating myself, and sure enough

0:37:24.680 --> 0:37:27.160
<v Speaker 1>it said forty minutes ago Beyonce posted this picture and

0:37:27.200 --> 0:37:30.400
<v Speaker 1>it said, well welcoming two new people, and I was like,

0:37:30.480 --> 0:37:31.600
<v Speaker 1>what the hell picture is this?

0:37:31.800 --> 0:37:37.440
<v Speaker 2>But even congratulations king by Well I landed, I landed

0:37:37.440 --> 0:37:41.040
<v Speaker 2>in Vegas. Woman's that like Thursday or whatever. And as

0:37:41.080 --> 0:37:43.920
<v Speaker 2>soon as we touched down, people's phones were pnging and

0:37:44.200 --> 0:37:47.120
<v Speaker 2>someone was like, Beyonce's having twins, and like it lit

0:37:47.200 --> 0:37:50.320
<v Speaker 2>up the whole plane, the whole plane. Yes, I'm not kidding,

0:37:50.680 --> 0:37:54.560
<v Speaker 2>I'm not kidding, world event. It was a way. It

0:37:54.640 --> 0:37:57.120
<v Speaker 2>brought everyone on the plane. We started hugging and people.

0:37:57.400 --> 0:38:01.560
<v Speaker 2>A champagne bottle appeared round and black and white all

0:38:01.600 --> 0:38:06.120
<v Speaker 2>came together and I'm kidding, Yeah, I really it was

0:38:06.160 --> 0:38:06.960
<v Speaker 2>kind of like that.

0:38:07.360 --> 0:38:09.600
<v Speaker 1>You know. But so what I understand that she has

0:38:09.640 --> 0:38:12.600
<v Speaker 1>her She her picture is the most likes picture, like

0:38:12.600 --> 0:38:15.680
<v Speaker 1>Guinness Book of World Records, the most liked Instagram picture

0:38:15.719 --> 0:38:16.239
<v Speaker 1>of all time.

0:38:16.560 --> 0:38:18.319
<v Speaker 2>No, you need to go to her website because that

0:38:18.320 --> 0:38:21.680
<v Speaker 2>picture is just the beginning. Really literally had an entire

0:38:22.239 --> 0:38:24.640
<v Speaker 2>of course, she did this huge photo shoot with this

0:38:24.760 --> 0:38:27.200
<v Speaker 2>like artist and she had wars on Shire wrote her,

0:38:27.360 --> 0:38:30.120
<v Speaker 2>wrote her a poem to go with this whole photo shoot.

0:38:31.920 --> 0:38:34.920
<v Speaker 2>It's so extra and it's so Beyonce, like she's swimming

0:38:35.000 --> 0:38:37.920
<v Speaker 2>underwater and she's in these beautiful silks and fabrics, and

0:38:38.320 --> 0:38:40.520
<v Speaker 2>you know, the baby bumpas on full display, and I'm like,

0:38:40.680 --> 0:38:42.960
<v Speaker 2>of course, only Beyonce, only Beyonce.

0:38:43.200 --> 0:38:45.320
<v Speaker 1>Someone said that she did it because you know, everybody

0:38:45.320 --> 0:38:48.360
<v Speaker 1>I was telling saying that she she's not really pregnant.

0:38:48.640 --> 0:38:52.920
<v Speaker 2>Yeah, that bogus like hoax, that that that that Blue

0:38:52.960 --> 0:38:54.760
<v Speaker 2>Ivy was like a surrogate baby or something.

0:38:54.960 --> 0:38:57.480
<v Speaker 1>Yeah, and I'm like, oh, yeah, I'm here now looking

0:38:58.000 --> 0:39:01.760
<v Speaker 1>and I'm like, I guess. I mean, I don't know. Partly,

0:39:01.760 --> 0:39:02.200
<v Speaker 1>it's like.

0:39:02.719 --> 0:39:05.400
<v Speaker 2>I'm really glad that in vitro treatment really worked because

0:39:05.440 --> 0:39:07.960
<v Speaker 2>you know, like there's still like I know, she's I

0:39:07.960 --> 0:39:10.600
<v Speaker 2>think she struggled to have even blue. So I mean,

0:39:11.400 --> 0:39:15.640
<v Speaker 2>I don't I don't understand why people don't understand that celebrities,

0:39:15.920 --> 0:39:18.960
<v Speaker 2>like all these celebrities having twins, Like it's not like

0:39:19.760 --> 0:39:22.680
<v Speaker 2>normal for this many people to have twins. It's all, well,

0:39:22.680 --> 0:39:24.760
<v Speaker 2>we know, you know what that is. It's all in vitro.

0:39:25.400 --> 0:39:27.520
<v Speaker 1>Yeah, And you know, and I'm like, I'm not girl,

0:39:27.680 --> 0:39:30.319
<v Speaker 1>I likely will. I'm thirty seven, so the likelihood is

0:39:30.360 --> 0:39:31.880
<v Speaker 1>I'm going to have to use in Vitro's. Well, I

0:39:31.960 --> 0:39:33.719
<v Speaker 1>might have me a set of twins, you out the

0:39:33.719 --> 0:39:34.640
<v Speaker 1>twin anyway.

0:39:34.400 --> 0:39:36.400
<v Speaker 2>Yeah, you probably have better odds than most people.

0:39:37.560 --> 0:39:40.120
<v Speaker 1>But yeah, so when you know you're right, having twins

0:39:40.200 --> 0:39:43.080
<v Speaker 1>is not not that I hate to use the world normal,

0:39:43.160 --> 0:39:45.759
<v Speaker 1>but twins are like an anomaly, and so for all

0:39:45.800 --> 0:39:47.759
<v Speaker 1>of these people to be having them, it's clear that

0:39:47.960 --> 0:39:51.200
<v Speaker 1>you know they use help, which I support because you know,

0:39:51.440 --> 0:39:53.400
<v Speaker 1>I'm I'm a woman of a certain age and I

0:39:53.440 --> 0:39:55.040
<v Speaker 1>don't know. I mean, we've been trying and I have

0:39:55.160 --> 0:39:59.120
<v Speaker 1>not you know, naturally conceived, so in vitro it might be,

0:39:59.280 --> 0:40:02.120
<v Speaker 1>which I'm okay with, although I am nervous about the whole.

0:40:02.120 --> 0:40:05.480
<v Speaker 1>You know. Superman is like, yes for twins, I'm like, Lord,

0:40:07.440 --> 0:40:07.960
<v Speaker 1>I don't know.

0:40:08.440 --> 0:40:09.799
<v Speaker 2>Oh, so we have to talk to you guys, are

0:40:09.840 --> 0:40:12.520
<v Speaker 2>seriously okay. We got to talk about this in the

0:40:12.560 --> 0:40:13.840
<v Speaker 2>future shows.

0:40:13.680 --> 0:40:15.560
<v Speaker 1>We will like once I if I decide to go

0:40:15.680 --> 0:40:18.680
<v Speaker 1>that route, and you know, I'm like, really, I'm still

0:40:18.719 --> 0:40:20.040
<v Speaker 1>I'm not gonna lie. I'm still on the whole. I

0:40:20.080 --> 0:40:21.759
<v Speaker 1>don't know if I want to be a mom fence.

0:40:22.000 --> 0:40:24.520
<v Speaker 2>Like oh, like I said, if you overthink it, you'll

0:40:24.520 --> 0:40:27.880
<v Speaker 2>never do it. Like it's like when you jump out

0:40:27.880 --> 0:40:29.879
<v Speaker 2>of a plane to skydive, and your body is like

0:40:30.239 --> 0:40:32.880
<v Speaker 2>this is not smart, this is not natural, and you

0:40:32.960 --> 0:40:35.200
<v Speaker 2>kind of have to force yourself. That's kind of what

0:40:35.239 --> 0:40:36.440
<v Speaker 2>I feel like being a mother is.

0:40:37.000 --> 0:40:38.560
<v Speaker 1>I know, But then part of me is like, oh,

0:40:38.640 --> 0:40:40.399
<v Speaker 1>I don't want to not be a mom. I see

0:40:40.440 --> 0:40:44.520
<v Speaker 1>like my sister, and I see like my best friend Drina,

0:40:45.320 --> 0:40:47.279
<v Speaker 1>And even when my nephew's over and he looks up

0:40:47.320 --> 0:40:48.799
<v Speaker 1>at me. I was just looking at pictures of him

0:40:48.800 --> 0:40:50.319
<v Speaker 1>today and my phone and I was just like, oh

0:40:50.360 --> 0:40:53.120
<v Speaker 1>my gosh, this love is like a love like no other,

0:40:53.200 --> 0:40:54.560
<v Speaker 1>and these are not even mine, you know.

0:40:56.360 --> 0:41:00.280
<v Speaker 2>Yeah, it's whatever you decide, yea, it would be the best.

0:41:01.000 --> 0:41:03.840
<v Speaker 2>Wowance is not. She literally posted all these pictures of

0:41:03.840 --> 0:41:05.040
<v Speaker 2>her being pregnant with Bluetoo.

0:41:05.600 --> 0:41:08.400
<v Speaker 1>Yeah this is the just so we're Claire, that's what.

0:41:10.600 --> 0:41:13.000
<v Speaker 1>And I'm like, girl, that's cool. You know. People, It's

0:41:13.000 --> 0:41:15.239
<v Speaker 1>so crazy how people are like, I don't care. I'm

0:41:15.280 --> 0:41:18.560
<v Speaker 1>like either way, it's I mean, okay, I mean I'm

0:41:18.600 --> 0:41:20.839
<v Speaker 1>happy for Beyonce. I just I don't know why people

0:41:20.920 --> 0:41:22.680
<v Speaker 1>get so angry when people are like, oh my gosh,

0:41:22.719 --> 0:41:26.239
<v Speaker 1>Beyonce is pregnant and they're like, wow, yeah I do.

0:41:26.280 --> 0:41:28.240
<v Speaker 1>But honestly, I would care if my friends are pregnant,

0:41:28.239 --> 0:41:30.920
<v Speaker 1>and I'm like, oh that's good. I mean, that's how

0:41:30.960 --> 0:41:31.960
<v Speaker 1>I feel about it.

0:41:32.080 --> 0:41:33.879
<v Speaker 2>I might get pregnant if I can. If you can

0:41:33.880 --> 0:41:35.960
<v Speaker 2>promise me and my boots will look like Beyonce's, I

0:41:36.000 --> 0:41:38.400
<v Speaker 2>will get pregnant. Amazing.

0:41:39.040 --> 0:41:40.759
<v Speaker 1>You know, we have to share on the on the

0:41:40.760 --> 0:41:44.360
<v Speaker 1>Brown Ambition podcast dot com page, there's a video. It

0:41:44.480 --> 0:41:46.399
<v Speaker 1>is hilarious. I don't know if you've ever seen when

0:41:46.400 --> 0:41:47.719
<v Speaker 1>Oprah talks about Gail.

0:41:48.120 --> 0:41:50.479
<v Speaker 2>Oh, I saw that that meme going around.

0:41:50.800 --> 0:41:52.560
<v Speaker 1>Yes, I feel like we have to share that it

0:41:52.760 --> 0:41:55.560
<v Speaker 1>just like it is like, this is why I love Beyonce.

0:41:55.719 --> 0:41:56.680
<v Speaker 2>It is huh.

0:41:59.840 --> 0:42:01.440
<v Speaker 1>I feel like we have to post it if you

0:42:01.440 --> 0:42:02.040
<v Speaker 1>can find it.

0:42:02.360 --> 0:42:04.960
<v Speaker 2>It's on that age just on our page. Right is

0:42:05.000 --> 0:42:09.000
<v Speaker 2>it published by tiffany o Al fourteen hours ago?

0:42:11.400 --> 0:42:13.439
<v Speaker 1>Oh that's right, I forgot I did that. So yeah,

0:42:13.440 --> 0:42:15.879
<v Speaker 1>you should go to our Facebook page and watch it.

0:42:15.880 --> 0:42:17.400
<v Speaker 1>It is You're gonna get your life and get your

0:42:17.440 --> 0:42:20.040
<v Speaker 1>giggles on. So that's gonna be my win. My win

0:42:20.280 --> 0:42:23.880
<v Speaker 1>is for pregnancy and fertility and Beyonce twins.

0:42:24.200 --> 0:42:26.280
<v Speaker 2>I feel like, if you want some good fertility jiuju,

0:42:26.320 --> 0:42:28.480
<v Speaker 2>you should just look at her page right now Beyonce

0:42:28.600 --> 0:42:34.720
<v Speaker 2>dot com. She is just beautiful. My win is gonna

0:42:34.760 --> 0:42:37.960
<v Speaker 2>be my surprise trip for my mother. I took her

0:42:37.960 --> 0:42:41.440
<v Speaker 2>to Celindion in Vegas and it was just like we

0:42:41.840 --> 0:42:44.000
<v Speaker 2>got our lives at that Celeineion concert. And you can

0:42:44.080 --> 0:42:47.239
<v Speaker 2>imagine who was in the crowd Celine Dion concert in

0:42:47.360 --> 0:42:50.440
<v Speaker 2>Vegas on a Wednesday night. You can just imagine. But

0:42:50.520 --> 0:42:54.440
<v Speaker 2>we were lit. It was amazing Celen Dion, like it was.

0:42:54.800 --> 0:42:56.279
<v Speaker 2>My mom was like a mess. She was crying the

0:42:56.280 --> 0:42:59.200
<v Speaker 2>whole time. But like this woman has not aged and

0:42:59.239 --> 0:43:02.799
<v Speaker 2>her voice is like outstanding, Like she does not get

0:43:02.920 --> 0:43:05.840
<v Speaker 2>enough credit. She is still she hit all of the notes.

0:43:05.880 --> 0:43:08.640
<v Speaker 2>There was not one song that she Mariah carried and

0:43:08.680 --> 0:43:11.000
<v Speaker 2>like does some you know, like to cover up that

0:43:11.000 --> 0:43:14.000
<v Speaker 2>she can't hit the notes anymore. She hit, she slay,

0:43:14.160 --> 0:43:17.040
<v Speaker 2>She did all the greatest hits. She did the Titanic song,

0:43:17.480 --> 0:43:21.680
<v Speaker 2>she did the Power of Love, Oh, all of her

0:43:21.760 --> 0:43:23.920
<v Speaker 2>all of her greatest hits. And she doesn't have very

0:43:23.920 --> 0:43:26.279
<v Speaker 2>many like fast songs, but there's a couple and at

0:43:26.280 --> 0:43:27.799
<v Speaker 2>the very end of the show, she comes out in

0:43:27.800 --> 0:43:31.040
<v Speaker 2>this like sparkly green mini dress and she lets everyone

0:43:31.120 --> 0:43:33.759
<v Speaker 2>rush the stage and like go, you know, uh, be

0:43:33.840 --> 0:43:35.840
<v Speaker 2>really upfront, like on the stage, like in front of

0:43:35.840 --> 0:43:38.279
<v Speaker 2>the stage with her. And we had really good seats.

0:43:38.320 --> 0:43:39.799
<v Speaker 2>So I ran up there and I was like so

0:43:40.040 --> 0:43:41.680
<v Speaker 2>close to Selene. I could have like reached out and

0:43:41.760 --> 0:43:43.200
<v Speaker 2>touched her, but I didn't because I didn't want to

0:43:43.239 --> 0:43:49.000
<v Speaker 2>get arrested. But it was just it was a great

0:43:49.040 --> 0:43:50.920
<v Speaker 2>It was such a nice it was a fun memory.

0:43:50.920 --> 0:43:52.640
<v Speaker 2>It was a fun experience for me and my mom

0:43:53.160 --> 0:43:54.920
<v Speaker 2>to share that. And we went and had a fancy

0:43:54.960 --> 0:43:58.640
<v Speaker 2>dinner afterward, and she was so cute. She showed up.

0:43:58.800 --> 0:44:01.200
<v Speaker 2>She was she was unpacking at the hotel and she

0:44:01.239 --> 0:44:03.080
<v Speaker 2>pulled out this like sequin top and I was like,

0:44:03.120 --> 0:44:04.359
<v Speaker 2>oh my god, you.

0:44:04.280 --> 0:44:05.760
<v Speaker 1>Came to get it.

0:44:05.840 --> 0:44:08.120
<v Speaker 2>And so she was like, I thought you told me

0:44:08.160 --> 0:44:10.200
<v Speaker 2>to wear something sparkly, and so she made me go

0:44:10.239 --> 0:44:11.880
<v Speaker 2>to H and M and I bought like a matching

0:44:11.960 --> 0:44:15.960
<v Speaker 2>sequined would sparkle sisters together.

0:44:16.640 --> 0:44:18.960
<v Speaker 1>That is cute. I'm glad Clinda you had that, you know,

0:44:19.560 --> 0:44:24.520
<v Speaker 1>that whole trump bumps. But I'm glad that, like, you know,

0:44:24.600 --> 0:44:26.880
<v Speaker 1>because bigger than anything else, that's your mama, And I'm

0:44:26.920 --> 0:44:29.040
<v Speaker 1>glad you had a really good time we did.

0:44:29.120 --> 0:44:30.520
<v Speaker 2>I mean we had We had a we had a

0:44:30.520 --> 0:44:33.239
<v Speaker 2>blowout fight at one point during the during the trip.

0:44:33.239 --> 0:44:35.200
<v Speaker 2>I'm not gonna lie it was it was, but you

0:44:35.239 --> 0:44:37.239
<v Speaker 2>know what, it was sort of like we needed to

0:44:37.280 --> 0:44:39.959
<v Speaker 2>have that. It's been bubbling under the surface for so long,

0:44:40.120 --> 0:44:44.520
<v Speaker 2>like this fight, of this battle of the different political views,

0:44:44.560 --> 0:44:46.160
<v Speaker 2>and but we I don't know, I feel like we

0:44:46.200 --> 0:44:48.000
<v Speaker 2>really needed it. It was nasty and it was like, I'm

0:44:48.040 --> 0:44:49.719
<v Speaker 2>not super proud of the fight that we had, but

0:44:50.200 --> 0:44:52.040
<v Speaker 2>we had it. It was out in the air, and

0:44:52.080 --> 0:44:54.200
<v Speaker 2>we were just like, Okay, we know where we stand

0:44:54.480 --> 0:44:56.799
<v Speaker 2>and we're just gonna like what are you gonna do.

0:44:57.000 --> 0:44:59.520
<v Speaker 2>I'm your mother and I'm your daughter and we have

0:44:59.600 --> 0:45:03.040
<v Speaker 2>to get through life. But I'm just I feel like

0:45:03.520 --> 0:45:05.640
<v Speaker 2>a lot of my friends too, have conservative parents. We

0:45:05.680 --> 0:45:08.160
<v Speaker 2>spent a lot of time biting our tongues and not

0:45:08.280 --> 0:45:10.759
<v Speaker 2>saying how we feel and trying to hold it all in,

0:45:10.800 --> 0:45:12.640
<v Speaker 2>and I think that just made everything worse, Like it

0:45:12.760 --> 0:45:15.359
<v Speaker 2>just made all the resentment, you know, build up and

0:45:15.920 --> 0:45:19.720
<v Speaker 2>cause like a nastier fight than I think it probably

0:45:19.760 --> 0:45:22.600
<v Speaker 2>would have if we had been learning and like working

0:45:22.600 --> 0:45:26.640
<v Speaker 2>on having a like respectful dialogue about politics since I

0:45:26.719 --> 0:45:28.440
<v Speaker 2>was a kid, we've I don't know how it was

0:45:28.480 --> 0:45:30.399
<v Speaker 2>in your house, but my house, like you never talked

0:45:30.400 --> 0:45:33.200
<v Speaker 2>about politics ever, you know, it was never, so I

0:45:33.280 --> 0:45:36.240
<v Speaker 2>never really learned. How do you have like a dinner

0:45:36.280 --> 0:45:39.560
<v Speaker 2>table discussion about politics with your with your mom? I

0:45:39.600 --> 0:45:42.719
<v Speaker 2>never I never got that. So for me, it's been

0:45:42.880 --> 0:45:47.359
<v Speaker 2>grumbling at her Facebook posts and passive aggressively, like you know,

0:45:47.560 --> 0:45:50.000
<v Speaker 2>commenting on her posts and stuff, and that's just not

0:45:50.120 --> 0:45:53.640
<v Speaker 2>like a smart, healthy way to to do it. So yeah,

0:45:53.880 --> 0:45:57.440
<v Speaker 2>I'm glad that we had that that nastiness out in

0:45:57.480 --> 0:46:01.120
<v Speaker 2>the open and we made up over fried chicken and biscuits,

0:46:01.160 --> 0:46:01.600
<v Speaker 2>as you do.

0:46:02.880 --> 0:46:03.520
<v Speaker 1>That's awesome.

0:46:05.880 --> 0:46:09.279
<v Speaker 2>Well, already another another podcast.

0:46:08.840 --> 0:46:11.479
<v Speaker 1>In the can I know what number are we at now?

0:46:11.719 --> 0:46:12.319
<v Speaker 2>Sixty nine?

0:46:12.360 --> 0:46:14.520
<v Speaker 1>I want to say sixty nine.

0:46:15.200 --> 0:46:18.920
<v Speaker 2>Lucky you said it.

0:46:19.400 --> 0:46:21.800
<v Speaker 1>For those of you fresh ones out there, you're like, ahf.

0:46:21.920 --> 0:46:23.680
<v Speaker 1>Some of you are like I don't get it, and

0:46:23.719 --> 0:46:24.400
<v Speaker 1>you shouldn't.

0:46:24.680 --> 0:46:25.240
<v Speaker 2>You shouldn't.

0:46:25.280 --> 0:46:27.000
<v Speaker 3>Good for you?

0:46:27.000 --> 0:46:30.520
<v Speaker 2>You are the future, all right, y'all?

0:46:30.520 --> 0:46:32.799
<v Speaker 1>Well stay tripped back, Mandy, I will see you, so.

0:46:33.400 --> 0:46:35.840
<v Speaker 2>Thank you very much. Oh and go Falcons. What the

0:46:35.880 --> 0:46:40.120
<v Speaker 2>heck a super Bowl Sunday? Yes, ruys up, Falcons. I

0:46:40.160 --> 0:46:42.239
<v Speaker 2>hope that you are listening to this podcast in a

0:46:42.280 --> 0:46:46.200
<v Speaker 2>world where the Falcons are Super Bowl champions. My little

0:46:46.239 --> 0:46:48.960
<v Speaker 2>brother is in Houston right now getting his wife. So Alex,

0:46:49.200 --> 0:46:52.200
<v Speaker 2>I on your behalf. I mean for you, for your

0:46:52.239 --> 0:47:07.000
<v Speaker 2>future happiness. I'm just the falconsy to win.