1 00:00:17,079 --> 00:00:20,159 Speaker 1: Welcome to Brown Ambition. We are both finally back in 2 00:00:20,200 --> 00:00:21,080 Speaker 1: the same country. 3 00:00:21,320 --> 00:00:24,800 Speaker 2: Same country. Yes, do you know how far away India is? 4 00:00:25,520 --> 00:00:27,560 Speaker 1: Ah? Yes, isn't it? In like a nineteen hours? I 5 00:00:27,600 --> 00:00:29,640 Speaker 1: forget how far my long life flight was, but it 6 00:00:29,720 --> 00:00:30,760 Speaker 1: was brutal. 7 00:00:31,000 --> 00:00:34,159 Speaker 2: Listen, let me remind you it. My trip home is 8 00:00:34,200 --> 00:00:37,199 Speaker 2: actually longer than the trip there because every flight was 9 00:00:37,240 --> 00:00:38,960 Speaker 2: like an hour and a half longer because I guess 10 00:00:39,040 --> 00:00:43,760 Speaker 2: you're going against the windstream or something scientific. So I 11 00:00:43,800 --> 00:00:48,680 Speaker 2: was traveling for twenty seven hours. What, yes, And that 12 00:00:48,880 --> 00:00:50,680 Speaker 2: was eighteen hours in the air, and then you had 13 00:00:50,720 --> 00:00:53,400 Speaker 2: the hours in between flights and stuff because I had 14 00:00:53,400 --> 00:00:58,000 Speaker 2: two layovers. When I tell you, I was destroyed, Like yeah, 15 00:00:58,320 --> 00:01:02,120 Speaker 2: destroyed because I couldn't sleep, and then by the time 16 00:01:02,160 --> 00:01:05,040 Speaker 2: I got tired, I wanted to force myself to stay 17 00:01:05,080 --> 00:01:08,240 Speaker 2: awake so that when I actually got to JFK, it 18 00:01:08,280 --> 00:01:09,760 Speaker 2: was night time and I could just go to sleep 19 00:01:09,840 --> 00:01:12,440 Speaker 2: so I could get back on a normal sleep schedule. 20 00:01:12,480 --> 00:01:14,200 Speaker 2: But it was so it was so hard. 21 00:01:14,800 --> 00:01:17,160 Speaker 1: Yeah, I think I had straight flights each time, so 22 00:01:17,200 --> 00:01:19,200 Speaker 1: in like nineteen hours. I don't I don't know. Did 23 00:01:19,240 --> 00:01:19,600 Speaker 1: I stop. 24 00:01:20,880 --> 00:01:21,840 Speaker 2: You must have stopped? 25 00:01:21,840 --> 00:01:22,200 Speaker 1: Well, I don't know. 26 00:01:22,240 --> 00:01:24,000 Speaker 2: It depends on where your destination was. I was going 27 00:01:24,040 --> 00:01:27,880 Speaker 2: to like a smaller city in India, so there wasn't 28 00:01:28,080 --> 00:01:31,160 Speaker 2: I had to like, I had to stop a couple 29 00:01:31,200 --> 00:01:34,040 Speaker 2: of times. But anyway, it was an amazing trip. 30 00:01:34,319 --> 00:01:34,800 Speaker 1: It is. 31 00:01:35,400 --> 00:01:39,480 Speaker 2: I digested it. I had a really good time. It 32 00:01:39,520 --> 00:01:42,679 Speaker 2: was the weather was really nice. And now the snow 33 00:01:42,760 --> 00:01:44,120 Speaker 2: is happening right now, and I kind of want to 34 00:01:44,120 --> 00:01:44,479 Speaker 2: go back. 35 00:01:44,959 --> 00:01:48,040 Speaker 1: I'm like, is it it's not snowy in Jersey yet? 36 00:01:48,240 --> 00:01:50,320 Speaker 2: No, way, it was. It was snowing all today. 37 00:01:50,680 --> 00:01:52,440 Speaker 3: Really not at all because I I. 38 00:01:52,400 --> 00:01:53,840 Speaker 2: Mean, I don't think it's sticking, but it was just, 39 00:01:53,880 --> 00:01:56,000 Speaker 2: you know, pretty pretty polite snow. 40 00:01:57,120 --> 00:02:00,960 Speaker 1: So oh so I was speaking with someone and I 41 00:02:01,000 --> 00:02:02,720 Speaker 1: realized because I was like, oh, you know, me and 42 00:02:04,520 --> 00:02:08,720 Speaker 1: Superman will be you know, walking down the court House 43 00:02:08,840 --> 00:02:11,440 Speaker 1: aisle soon. So I wasn't going to sign up for 44 00:02:11,600 --> 00:02:15,280 Speaker 1: health care until I got a gentle reminder. You know, 45 00:02:15,320 --> 00:02:17,240 Speaker 1: healthcare they're like stalkers, but I love them though. The 46 00:02:17,280 --> 00:02:19,520 Speaker 1: Healthcare dog go They call you, they email you, they 47 00:02:19,520 --> 00:02:22,320 Speaker 1: text you, yeah, and they are like that's cute, Tiffany. 48 00:02:22,360 --> 00:02:23,000 Speaker 3: But just know this. 49 00:02:23,080 --> 00:02:25,240 Speaker 1: If you don't sign up by the fifteenth, you're gonna 50 00:02:25,240 --> 00:02:28,440 Speaker 1: be you will not be covered in January. So if 51 00:02:28,480 --> 00:02:31,880 Speaker 1: you like, even if I get married in January, I 52 00:02:31,919 --> 00:02:34,040 Speaker 1: won't be covered. So I'm like, ugh, so but I 53 00:02:34,040 --> 00:02:35,880 Speaker 1: didn't realize that. So that's just something I just wanted 54 00:02:35,880 --> 00:02:39,079 Speaker 1: to put out there because I just assumed that, like, oh, 55 00:02:40,360 --> 00:02:42,920 Speaker 1: you know, I can, I can be covered in January. 56 00:02:42,960 --> 00:02:44,639 Speaker 1: I'll be fine. So if you don't sign up by 57 00:02:44,800 --> 00:02:49,520 Speaker 1: December fifteenth, you will not be covered for health care 58 00:02:49,639 --> 00:02:52,320 Speaker 1: in January. And if you don't sign up by January fifteenth, 59 00:02:52,400 --> 00:02:54,960 Speaker 1: you will not be covered for healthcare in February. And 60 00:02:55,000 --> 00:02:57,240 Speaker 1: by the thirty first of January, if you don't sign up, 61 00:02:57,280 --> 00:02:58,359 Speaker 1: you won't be covered for the year. 62 00:02:58,880 --> 00:03:03,080 Speaker 3: So don't wait. I know, like it's such a pain. 63 00:03:03,680 --> 00:03:04,880 Speaker 2: This is for Obombacare. 64 00:03:05,360 --> 00:03:07,000 Speaker 1: Yes, for Obombacare, I'm sorry. So, like, if you have 65 00:03:07,040 --> 00:03:09,000 Speaker 1: health care at your job and stuff, you know, you know, 66 00:03:09,120 --> 00:03:11,519 Speaker 1: good for you. But for Obamacare, I'm sorry should have 67 00:03:11,560 --> 00:03:14,920 Speaker 1: been but it's just that for us self employed people 68 00:03:14,960 --> 00:03:17,760 Speaker 1: or people who maybe you don't work enough hours in 69 00:03:17,840 --> 00:03:20,360 Speaker 1: order to qualify for healthcare at your job, you know, 70 00:03:20,720 --> 00:03:24,560 Speaker 1: this is you're you're gonna want by the fifteenth to 71 00:03:25,000 --> 00:03:27,720 Speaker 1: you know, to go, So there's this. Have you ever 72 00:03:27,800 --> 00:03:29,120 Speaker 1: used Policy Genius. 73 00:03:28,800 --> 00:03:31,280 Speaker 2: Before, man, Yeah, yeah, I have. Actually I think I 74 00:03:31,280 --> 00:03:32,119 Speaker 2: wrote about them once. 75 00:03:32,919 --> 00:03:35,880 Speaker 1: Yeah, so I I know policy I've only known them 76 00:03:35,880 --> 00:03:38,119 Speaker 1: for they have like some sort of like life insurance thing. 77 00:03:38,200 --> 00:03:40,760 Speaker 1: But I used it to sign up for, or at 78 00:03:40,800 --> 00:03:43,000 Speaker 1: least not to sign up for, but to whittle down 79 00:03:43,400 --> 00:03:46,240 Speaker 1: which healthcare provider I was gonna go with because my 80 00:03:46,520 --> 00:03:50,160 Speaker 1: current one United Healthcare, or at least my current plan 81 00:03:50,240 --> 00:03:52,360 Speaker 1: is phased out, which I'm like, great, I didn't want 82 00:03:52,360 --> 00:03:54,480 Speaker 1: to have to think about it, and so I'm just like, 83 00:03:54,720 --> 00:03:56,160 Speaker 1: so I like that tool, and I know there's some 84 00:03:56,200 --> 00:03:59,200 Speaker 1: other tools you can use, because honestly, healthcare dog of 85 00:03:59,440 --> 00:04:02,920 Speaker 1: I love you, my beautiful black President Obama, but that 86 00:04:03,040 --> 00:04:06,080 Speaker 1: website is a nightmare. And so it's good to find 87 00:04:06,080 --> 00:04:08,880 Speaker 1: a tool that will help you choose without you having 88 00:04:08,920 --> 00:04:10,960 Speaker 1: to like because honestly, every year I just sit on 89 00:04:10,960 --> 00:04:12,680 Speaker 1: the phone with them for two hours and figure it out. 90 00:04:12,680 --> 00:04:15,480 Speaker 1: But with at least a Policy Genius tool, it helped 91 00:04:15,800 --> 00:04:17,600 Speaker 1: me to like plug in what I wanted and then 92 00:04:17,680 --> 00:04:19,800 Speaker 1: kind of spit out three or four. And there's another 93 00:04:19,839 --> 00:04:22,119 Speaker 1: one too, if I can remember, I'll say it later, 94 00:04:22,240 --> 00:04:23,839 Speaker 1: like there's another tool where it kind of does the 95 00:04:23,880 --> 00:04:24,320 Speaker 1: same thing. 96 00:04:24,800 --> 00:04:27,120 Speaker 2: But yeah, I honestly just tell older people like, if 97 00:04:27,160 --> 00:04:29,880 Speaker 2: you don't feel comfortable with technology, I'm like, just call them, 98 00:04:30,120 --> 00:04:33,200 Speaker 2: yeah on the phone, and it's gonna suck. But they 99 00:04:33,240 --> 00:04:35,200 Speaker 2: have healthcare navigators like. 100 00:04:35,160 --> 00:04:37,679 Speaker 3: And they're nice, really nice, are they Okay? 101 00:04:38,120 --> 00:04:40,280 Speaker 1: Yeah? I mean I've called twice, like twice two years 102 00:04:40,320 --> 00:04:42,520 Speaker 1: in a row. I've called and they were you know, 103 00:04:42,560 --> 00:04:45,480 Speaker 1: they were really patient. They walked me through each It's 104 00:04:45,520 --> 00:04:48,360 Speaker 1: just that you literally have to so they're like, so 105 00:04:48,520 --> 00:04:50,800 Speaker 1: let me read you what this plan is, and then 106 00:04:50,880 --> 00:04:52,000 Speaker 1: let me read you with this plan. 107 00:04:52,080 --> 00:04:53,920 Speaker 3: The only problem is that there's so many. 108 00:04:54,279 --> 00:04:56,040 Speaker 1: So that's why I say, I like those tools that 109 00:04:56,160 --> 00:04:58,480 Speaker 1: kind of aggregate the plans for you based upon what 110 00:04:58,520 --> 00:05:02,000 Speaker 1: you need so that way, because it was just so many, 111 00:05:02,040 --> 00:05:03,880 Speaker 1: I just got overwhelm. Because they're reading the plans, I'm like, 112 00:05:03,880 --> 00:05:05,840 Speaker 1: wait what was the other one before that? And then 113 00:05:05,880 --> 00:05:07,560 Speaker 1: wait what was the other one? And so you're on 114 00:05:07,600 --> 00:05:09,800 Speaker 1: the phone with them for a while. But I mean, 115 00:05:09,839 --> 00:05:12,520 Speaker 1: it's if you're older and tech you're not tech savvy, 116 00:05:12,560 --> 00:05:15,520 Speaker 1: then definitely do that. But if you're you are, you know, 117 00:05:15,560 --> 00:05:17,200 Speaker 1: can you can use the computer you don't need to 118 00:05:17,200 --> 00:05:20,880 Speaker 1: be tech savvy for for tools like a like policy genius, 119 00:05:20,880 --> 00:05:22,880 Speaker 1: and there's another one. I'm gonna find it that like 120 00:05:22,960 --> 00:05:24,479 Speaker 1: kind of like I said, you plug in your name, 121 00:05:24,839 --> 00:05:26,760 Speaker 1: your doctor, where you live, that kind of thing, and 122 00:05:26,800 --> 00:05:30,160 Speaker 1: it says, hey, here are six plans that might fit 123 00:05:30,279 --> 00:05:32,359 Speaker 1: you based upon what you want to pay. Is the. 124 00:05:34,279 --> 00:05:36,280 Speaker 2: Ah I frail all America. 125 00:05:37,200 --> 00:05:37,799 Speaker 1: It's I forget. 126 00:05:37,800 --> 00:05:39,200 Speaker 3: I feel like I had a name when rolling it, 127 00:05:39,279 --> 00:05:40,520 Speaker 3: so maybe it wasn't roll America. 128 00:05:40,560 --> 00:05:43,000 Speaker 1: But basically I'm saying use those versus healthcare dot gov 129 00:05:43,000 --> 00:05:46,000 Speaker 1: because their healthcare dot Gov can be very hard to navigate. 130 00:05:46,040 --> 00:05:47,200 Speaker 1: But I just want to put that out there because 131 00:05:47,200 --> 00:05:49,800 Speaker 1: I didn't realize that, Like, you know, if I didn't 132 00:05:49,800 --> 00:05:53,080 Speaker 1: sign it about the fifteenth that oh well for you 133 00:05:53,160 --> 00:05:54,640 Speaker 1: if you get preggers. 134 00:05:55,240 --> 00:05:56,279 Speaker 2: Oh yeah, that's important. 135 00:05:56,440 --> 00:05:57,200 Speaker 1: Is your health plan? 136 00:05:57,480 --> 00:06:00,080 Speaker 2: Has it gotten more expensive? A lot of people are, well, 137 00:06:00,160 --> 00:06:02,280 Speaker 2: New York and Jersey are I guess a little bit 138 00:06:02,320 --> 00:06:04,960 Speaker 2: more lucky because a ton of insurers haven't exit at 139 00:06:04,960 --> 00:06:08,400 Speaker 2: the market like in other states like Arizona there's only 140 00:06:08,440 --> 00:06:11,479 Speaker 2: one or two providers now, so their prices went up 141 00:06:11,480 --> 00:06:12,760 Speaker 2: one hundred and sixteen percent. 142 00:06:13,360 --> 00:06:15,680 Speaker 1: What But honestly, I don't know if it's gonna go 143 00:06:15,720 --> 00:06:19,240 Speaker 1: up just because I my same plan is no longer available. 144 00:06:19,240 --> 00:06:22,560 Speaker 3: So I was just like, great, I don't so yeah, So. 145 00:06:22,560 --> 00:06:24,720 Speaker 1: I don't even know, like if it's like, what I'm 146 00:06:24,760 --> 00:06:27,839 Speaker 1: gonna get is I'm trying to get something that's comparable 147 00:06:27,920 --> 00:06:29,720 Speaker 1: to see, like you know what it's gonna cost. 148 00:06:29,760 --> 00:06:31,560 Speaker 3: But it's a it's a grip. I'm not gonna lie. 149 00:06:31,760 --> 00:06:34,679 Speaker 1: You know, I pay a few hundred dollars a month 150 00:06:35,040 --> 00:06:37,680 Speaker 1: for the for the privilege of, you know, not dying 151 00:06:37,680 --> 00:06:42,760 Speaker 1: in these streets. Go ahead. 152 00:06:42,880 --> 00:06:45,960 Speaker 2: I was gonna say, my little brother, bless his heart, 153 00:06:46,000 --> 00:06:48,920 Speaker 2: should have listened to big sister. I hope he doesn't 154 00:06:48,960 --> 00:06:52,560 Speaker 2: listen to this because he's probably like, but he got 155 00:06:52,560 --> 00:06:55,760 Speaker 2: his first job after college. He's a salesman for a 156 00:06:55,760 --> 00:06:57,960 Speaker 2: big company. And you know, he was really proud of 157 00:06:58,040 --> 00:07:01,120 Speaker 2: himself and wanted to be cheap and get the cheap 158 00:07:01,160 --> 00:07:05,120 Speaker 2: healthcare plan which costs barely nothing and came with a 159 00:07:05,240 --> 00:07:08,560 Speaker 2: huge deductible, I think five thousand dollars or something like that. 160 00:07:09,440 --> 00:07:11,360 Speaker 2: And that's what happens when you choose the cheapest plan. 161 00:07:11,520 --> 00:07:13,840 Speaker 2: And so poor guy, all year long, every time gets 162 00:07:13,840 --> 00:07:15,880 Speaker 2: a cold or has to get a prescription. It's out 163 00:07:15,920 --> 00:07:19,560 Speaker 2: of pocket, out of pockets. And just recently he was 164 00:07:19,600 --> 00:07:21,480 Speaker 2: at a concert and I don't know all the details, 165 00:07:21,480 --> 00:07:24,080 Speaker 2: but all I know is that someone Stave Jo Stave, 166 00:07:24,200 --> 00:07:26,720 Speaker 2: dived off the stage and kicked him in the head 167 00:07:26,760 --> 00:07:29,200 Speaker 2: and he had a concussion and had to get a 168 00:07:29,200 --> 00:07:33,160 Speaker 2: ct And he's like, bandy, my bill from the er 169 00:07:33,280 --> 00:07:38,240 Speaker 2: is three thousand dollars, yikers. So I told him to try. 170 00:07:38,320 --> 00:07:40,480 Speaker 2: I think he can negotiate it, especially when you have 171 00:07:40,520 --> 00:07:45,400 Speaker 2: a high deductible plan, especially with hospitals too, because CTS, 172 00:07:45,680 --> 00:07:51,120 Speaker 2: MRIs those kind of like run of the mill procedures 173 00:07:51,160 --> 00:07:55,080 Speaker 2: that hospitals do. They charged just like it's like you 174 00:07:55,120 --> 00:07:56,920 Speaker 2: go to one place and it's three thousand dollars. You 175 00:07:56,920 --> 00:07:59,200 Speaker 2: get on the street it's five hundred. It's so random 176 00:07:59,240 --> 00:08:03,080 Speaker 2: how they choose what to pay. And that dollar sign 177 00:08:03,120 --> 00:08:06,880 Speaker 2: on that on that bill isn't always the final word. 178 00:08:07,000 --> 00:08:09,240 Speaker 2: And yeah, especially we have to pay out of pocket. 179 00:08:09,960 --> 00:08:10,280 Speaker 1: I don't know. 180 00:08:10,360 --> 00:08:11,960 Speaker 2: I don't know how it worked, how he's if he's 181 00:08:11,960 --> 00:08:14,320 Speaker 2: done it or not, but he needs to call and 182 00:08:14,680 --> 00:08:17,360 Speaker 2: tell them, you know, I'm paying out of pocket. Can you, 183 00:08:17,360 --> 00:08:19,320 Speaker 2: you know, settle for less or give me some sort 184 00:08:19,360 --> 00:08:23,360 Speaker 2: of discount because he can't afford three thousand dollars. That's insane. 185 00:08:23,600 --> 00:08:24,520 Speaker 3: That is insane. 186 00:08:24,720 --> 00:08:26,040 Speaker 1: Yay, the kid who kicked. 187 00:08:25,880 --> 00:08:27,240 Speaker 2: Him should be paying, is it? It should be like a 188 00:08:27,240 --> 00:08:30,120 Speaker 2: car accident, you know, like the people who hit you, 189 00:08:30,240 --> 00:08:33,440 Speaker 2: their insurance pays. I don't know how that works within 190 00:08:33,520 --> 00:08:36,720 Speaker 2: health insurance, but I'm like, he's just very tall. 191 00:08:36,760 --> 00:08:39,360 Speaker 1: It's not his fault, right, You're like pay you, hey, 192 00:08:39,440 --> 00:08:41,880 Speaker 1: you I need your card. I need your concert card, 193 00:08:42,000 --> 00:08:44,840 Speaker 1: you know, like your insurance concert insurance card. It's like 194 00:08:45,040 --> 00:08:48,200 Speaker 1: your car insurance card. So my car insurance actually, speaking of, 195 00:08:48,880 --> 00:08:50,760 Speaker 1: just went up. I was like, oh, remember I got 196 00:08:50,760 --> 00:08:55,000 Speaker 1: into that accident with the Ford vehicle that was loaned 197 00:08:55,040 --> 00:08:57,600 Speaker 1: to be Yes, yeah, yeah, within like the first couple 198 00:08:57,640 --> 00:08:58,040 Speaker 1: of days. 199 00:08:58,080 --> 00:08:59,280 Speaker 3: So I just knew. 200 00:08:59,640 --> 00:09:02,600 Speaker 1: So I had assurance, and because I drive the oldest 201 00:09:02,640 --> 00:09:05,200 Speaker 1: car in America, my assurance. I think I was paying 202 00:09:05,240 --> 00:09:07,480 Speaker 1: like sixty two bucks a month you know, for like 203 00:09:08,200 --> 00:09:13,000 Speaker 1: whatever basic coverage covers. And so now I'm paying seventy 204 00:09:13,000 --> 00:09:16,800 Speaker 1: five bucks a month. I'm like, oh, I know, so 205 00:09:16,880 --> 00:09:19,559 Speaker 1: I'm trying to see I'm gonna do something though, no 206 00:09:19,640 --> 00:09:22,360 Speaker 1: it's not, but you know, like so it's not as bad. 207 00:09:22,400 --> 00:09:23,680 Speaker 1: As I thought it was gonna be. So I'm not, 208 00:09:23,760 --> 00:09:26,080 Speaker 1: you know, because I really thought that it was going 209 00:09:26,160 --> 00:09:28,600 Speaker 1: to go up tremendously. But I guess they were like they, 210 00:09:28,720 --> 00:09:31,000 Speaker 1: you know, did the detail my car, and they were like, honestly, 211 00:09:32,080 --> 00:09:34,040 Speaker 1: it's a ninety nine toory to camera with the muffler 212 00:09:34,080 --> 00:09:35,720 Speaker 1: that many can attest to because we were on the 213 00:09:35,720 --> 00:09:37,600 Speaker 1: phone with the muffler. 214 00:09:37,640 --> 00:09:41,480 Speaker 3: That's louder than a crying baby struggling. 215 00:09:43,320 --> 00:09:44,720 Speaker 1: Oh my god. That's why I was like, I was 216 00:09:44,720 --> 00:09:46,520 Speaker 1: on mute. You're like, people are like, tivity, can you 217 00:09:46,559 --> 00:09:46,760 Speaker 1: hear me? 218 00:09:46,800 --> 00:09:50,080 Speaker 3: I'm like, I can just barely over this muffler. 219 00:09:50,160 --> 00:09:51,960 Speaker 2: Sounds like you're riding a jet ski or something. 220 00:09:53,480 --> 00:09:56,000 Speaker 1: Oh but you know what, though, when I get my house, 221 00:09:56,160 --> 00:09:57,080 Speaker 1: then I'm gonna get the car. 222 00:09:57,200 --> 00:09:59,560 Speaker 2: That's okay, okay, but having a car does not mean 223 00:09:59,640 --> 00:10:00,600 Speaker 2: that you can and have a house. 224 00:10:00,600 --> 00:10:02,679 Speaker 1: It's alms no, no, I know. But I'm just I don't. 225 00:10:02,520 --> 00:10:04,960 Speaker 2: Know, you know, just one big thing at a time, 226 00:10:05,000 --> 00:10:05,679 Speaker 2: maybe exactly. 227 00:10:05,760 --> 00:10:07,880 Speaker 3: There's so many choices to be made. 228 00:10:07,920 --> 00:10:10,160 Speaker 1: I'm just you know, sometimes you just lay in bed, 229 00:10:10,200 --> 00:10:12,360 Speaker 1: You're like so many things, the things that need to 230 00:10:12,360 --> 00:10:15,319 Speaker 1: be done. Like I had called my sister, my baby's sister, Lisa, 231 00:10:15,320 --> 00:10:18,280 Speaker 1: And I said, Lisa, if I pay you like fifty bucks, 232 00:10:18,559 --> 00:10:20,959 Speaker 1: if I post on my Facebook page that I'm looking 233 00:10:21,000 --> 00:10:24,480 Speaker 1: for an in person assistant and for them to post 234 00:10:24,480 --> 00:10:26,800 Speaker 1: their stuff in the comments, can you just like go 235 00:10:26,840 --> 00:10:30,199 Speaker 1: through them and find somebody for me, because like, even 236 00:10:30,280 --> 00:10:31,560 Speaker 1: that is a lot of work. 237 00:10:31,640 --> 00:10:32,920 Speaker 3: Like if I post, hey. 238 00:10:32,840 --> 00:10:35,440 Speaker 1: I'm looking for this person, then I might get like, 239 00:10:35,480 --> 00:10:38,480 Speaker 1: you know, fifty people in my comments saying hey, you 240 00:10:38,520 --> 00:10:40,280 Speaker 1: know I do that, which is cool, but then I 241 00:10:40,320 --> 00:10:41,960 Speaker 1: have to go through them. I just don't have the 242 00:10:42,040 --> 00:10:44,080 Speaker 1: time for that right now. And she's like, I'll do 243 00:10:44,120 --> 00:10:46,000 Speaker 1: you one better. I was like what She was like, 244 00:10:46,040 --> 00:10:48,240 Speaker 1: I'm not working during the week right now. She only 245 00:10:48,240 --> 00:10:50,079 Speaker 1: works weekends. She's like, I'll do it. 246 00:10:50,679 --> 00:10:53,720 Speaker 3: And I was like, okay, I said, without attitude. She 247 00:10:53,840 --> 00:10:54,720 Speaker 3: was like, we'll see. 248 00:10:55,240 --> 00:10:57,640 Speaker 1: Yeah. But you know what, though, I'm actually really happy 249 00:10:57,640 --> 00:10:59,959 Speaker 1: about it because some of the stuff that I need 250 00:11:00,320 --> 00:11:02,760 Speaker 1: is a little bit sensitive. Like I was still gonna 251 00:11:02,760 --> 00:11:04,679 Speaker 1: have to do my own money things like but now 252 00:11:04,720 --> 00:11:06,560 Speaker 1: I can be like, hey, here's my ATM card, go 253 00:11:06,600 --> 00:11:08,040 Speaker 1: to the bank and give me this money, and then 254 00:11:08,240 --> 00:11:10,000 Speaker 1: you know what I mean, Like I can my sister. 255 00:11:10,120 --> 00:11:11,320 Speaker 1: You know, she's she can. 256 00:11:11,200 --> 00:11:13,520 Speaker 3: Do that and I don't have to, but I remind 257 00:11:13,520 --> 00:11:14,480 Speaker 3: her exactly. 258 00:11:14,720 --> 00:11:16,920 Speaker 1: But I wouldn't do that obviously with a new admin, 259 00:11:17,400 --> 00:11:19,920 Speaker 1: to give them like sensitive information, but with her, so 260 00:11:19,960 --> 00:11:21,520 Speaker 1: I'm like so happy. 261 00:11:21,520 --> 00:11:23,320 Speaker 3: And then Drina, my my. 262 00:11:23,240 --> 00:11:26,080 Speaker 1: Publicists who we share in office, she was like, wait, 263 00:11:26,080 --> 00:11:27,880 Speaker 1: can we share her? And Lisa was like, the more 264 00:11:27,960 --> 00:11:28,480 Speaker 1: the merrier. 265 00:11:29,040 --> 00:11:32,640 Speaker 2: So I'm also Lisa the stylist or is that Tracy. 266 00:11:32,640 --> 00:11:35,040 Speaker 1: That's Tracy Tracy's I know I'm having just like the 267 00:11:35,120 --> 00:11:38,640 Speaker 1: whole team. And so I'm super excited because one, like, 268 00:11:38,840 --> 00:11:40,800 Speaker 1: you know, she's the baby, so I don't see Lisa's 269 00:11:40,840 --> 00:11:45,840 Speaker 1: like the super I don't know, sophisticated, like New York 270 00:11:45,920 --> 00:11:47,800 Speaker 1: bound like, so I don't really see her that much, 271 00:11:47,800 --> 00:11:49,440 Speaker 1: you know. We talked maybe like I don't know, maybe 272 00:11:49,480 --> 00:11:51,440 Speaker 1: like once a week or something, but I don't see 273 00:11:51,480 --> 00:11:54,080 Speaker 1: her in person that often. So this will be nice 274 00:11:54,080 --> 00:11:56,439 Speaker 1: because it'll be it'll force her to see my face 275 00:11:56,480 --> 00:11:58,320 Speaker 1: every day, well not every day, but at least once 276 00:11:58,360 --> 00:12:01,160 Speaker 1: a week, so like stuff like you know, going to 277 00:12:01,200 --> 00:12:03,160 Speaker 1: the mail. So I figured just once a week, I'll 278 00:12:03,160 --> 00:12:05,400 Speaker 1: make a list of everything I need done, like going 279 00:12:05,440 --> 00:12:07,719 Speaker 1: to the mail, picking this thing up, dropping this thing off, 280 00:12:07,800 --> 00:12:10,000 Speaker 1: dry cleaning. I'll see if I can trust her to 281 00:12:10,000 --> 00:12:12,680 Speaker 1: go food shopping even because honestly, I don't even wanna 282 00:12:12,720 --> 00:12:15,520 Speaker 1: do that anymore, and like pay her, like I don't know, 283 00:12:15,600 --> 00:12:18,199 Speaker 1: fifteen bucks an hour and you know, I don't know. 284 00:12:18,400 --> 00:12:20,880 Speaker 1: So we'll see. But I'm just excited because I'm like, yeah, 285 00:12:20,880 --> 00:12:22,480 Speaker 1: I don't have to do those things anymore. 286 00:12:23,360 --> 00:12:25,320 Speaker 2: That's exciting. Yeah, we hadn't had an update on you 287 00:12:25,360 --> 00:12:28,000 Speaker 2: looking for your admin yet, so I. 288 00:12:27,960 --> 00:12:29,800 Speaker 1: Think that And I was like, Lisa, how long are 289 00:12:29,800 --> 00:12:31,600 Speaker 1: you gonna be out of work? She's like, well, I 290 00:12:31,640 --> 00:12:33,800 Speaker 1: was like, must be nice, like what like because I 291 00:12:33,960 --> 00:12:36,920 Speaker 1: guess her weekend job pays her. M Lisa lives very humbly, 292 00:12:36,960 --> 00:12:38,920 Speaker 1: like she's got a really nice apartment in Jersey City. 293 00:12:38,920 --> 00:12:40,480 Speaker 3: Actually ooh, so when you know. 294 00:12:40,760 --> 00:12:42,520 Speaker 1: When you guys come, you guys can't come visit. She's 295 00:12:42,520 --> 00:12:47,120 Speaker 1: got a studio, but it's fairly inexpensive, and she lives. 296 00:12:47,120 --> 00:12:49,520 Speaker 3: She she brought her car and in cash. 297 00:12:49,559 --> 00:12:51,520 Speaker 1: I taught her how to do that save and water, 298 00:12:51,600 --> 00:12:54,199 Speaker 1: so she doesn't have that bill and so as a result, 299 00:12:54,320 --> 00:12:55,760 Speaker 1: she doesn't have to make a whole lot in order 300 00:12:55,800 --> 00:12:56,840 Speaker 1: to maintain her lifestyle. 301 00:12:57,400 --> 00:12:59,360 Speaker 2: Oh so she can just like not work during the week. 302 00:12:59,400 --> 00:13:01,680 Speaker 1: That's nice, I know, that's what I said. And I'm like, 303 00:13:01,720 --> 00:13:03,640 Speaker 1: she's like starting to she wants to start a business, 304 00:13:03,679 --> 00:13:06,160 Speaker 1: so she wanted to leave her week free. But you know, 305 00:13:06,200 --> 00:13:08,000 Speaker 1: this would be like, you know, some extra coin for 306 00:13:08,040 --> 00:13:10,120 Speaker 1: her to make without having to really stress herself, because 307 00:13:10,280 --> 00:13:12,199 Speaker 1: Newark is not far from Jersey City. 308 00:13:12,600 --> 00:13:14,680 Speaker 2: Yeah, it's thanks for keeping it in the family, keeping 309 00:13:14,679 --> 00:13:15,520 Speaker 2: the mind on the family. 310 00:13:16,240 --> 00:13:17,720 Speaker 3: Look at look at God. 311 00:13:18,440 --> 00:13:20,400 Speaker 2: But let's let's go back to what you said about 312 00:13:20,440 --> 00:13:23,400 Speaker 2: January in a courthouse. Is that happening so soon? 313 00:13:24,240 --> 00:13:27,080 Speaker 1: I think so, honestly, because if nothing else but for 314 00:13:27,120 --> 00:13:30,520 Speaker 1: the insurance purposes, I mean, because we're getting married anyway, 315 00:13:30,559 --> 00:13:33,320 Speaker 1: So we want to do a spring at least, I said, 316 00:13:33,360 --> 00:13:35,680 Speaker 1: we I want to do a spring wedding. Girls, like, 317 00:13:35,840 --> 00:13:38,040 Speaker 1: he actually really does want a wedding. If it was 318 00:13:38,160 --> 00:13:40,439 Speaker 1: up to me, I would probably just do the courthouse. 319 00:13:40,920 --> 00:13:43,120 Speaker 1: But he actually would like a wedding. So I said, okay, well, 320 00:13:43,320 --> 00:13:46,600 Speaker 1: let's do something in the spring, something like a Sunday brunch, 321 00:13:46,640 --> 00:13:48,680 Speaker 1: something cute and pretty and you know, but low key. 322 00:13:49,160 --> 00:13:53,360 Speaker 1: But let's officially, you know, get married in the new year, 323 00:13:53,720 --> 00:13:55,160 Speaker 1: because honestly, he doesn't really want to wait. 324 00:13:55,240 --> 00:13:56,920 Speaker 3: If it was up to him, we would have went yesterday. 325 00:13:56,920 --> 00:13:59,160 Speaker 1: But I was like, well, wait, there's some some things 326 00:13:59,160 --> 00:14:03,160 Speaker 1: that I wanted to to get in place before officially. 327 00:14:03,400 --> 00:14:05,880 Speaker 2: Wait, he doesn't want to wait, but he wants a wedding, wedding. 328 00:14:07,520 --> 00:14:09,640 Speaker 1: Yeah, he doesn't want to wait meeting for us to 329 00:14:09,880 --> 00:14:13,520 Speaker 1: to go to the you know, officially just as the piece, 330 00:14:13,559 --> 00:14:15,520 Speaker 1: he doesn't want to wait for that, But the wedding 331 00:14:15,520 --> 00:14:17,679 Speaker 1: wedding he doesn't mind waiting for because he doesn't want 332 00:14:17,679 --> 00:14:19,720 Speaker 1: to get a house first. 333 00:14:20,320 --> 00:14:22,000 Speaker 3: So yeah, I don't know. 334 00:14:22,360 --> 00:14:24,760 Speaker 1: He's just like like, you know, let's get married now, 335 00:14:24,840 --> 00:14:27,920 Speaker 1: let's go to justice the piece tomorrow. I'm like, well, 336 00:14:28,040 --> 00:14:31,400 Speaker 1: let's let's make sure we have some things in place first, 337 00:14:31,800 --> 00:14:34,400 Speaker 1: and so you know, now that they are in place, 338 00:14:34,440 --> 00:14:35,120 Speaker 1: are going. 339 00:14:34,880 --> 00:14:38,360 Speaker 3: In place, then you know, now we can move forward. 340 00:14:38,440 --> 00:14:40,200 Speaker 1: But I wanted to wait, Like, I'm like, you know, 341 00:14:40,320 --> 00:14:43,720 Speaker 1: let's let's have a real conversation about finances and what 342 00:14:43,720 --> 00:14:45,360 Speaker 1: we're doing. I mean, we always talk about money, but 343 00:14:45,880 --> 00:14:48,800 Speaker 1: I wanted to have a super official conversation about that. 344 00:14:48,920 --> 00:14:50,720 Speaker 2: You know, we're talking pre up here or what. 345 00:14:51,280 --> 00:14:52,600 Speaker 3: Yeah, I know, I was trying to dance around it. 346 00:14:52,600 --> 00:14:55,160 Speaker 2: Basically, I was trying to I'm like, what is she's 347 00:14:55,200 --> 00:14:57,000 Speaker 2: saying some things in place. 348 00:14:58,240 --> 00:15:00,000 Speaker 1: I know, And I'm like, cause he's not. I mean, 349 00:15:00,160 --> 00:15:03,000 Speaker 1: he's to the chase. I'm not eve gonna talk about 350 00:15:03,000 --> 00:15:04,760 Speaker 1: it much because I'm like, I'm sure his cousin's listening. 351 00:15:04,800 --> 00:15:06,400 Speaker 1: He's not all that like happy about it, Like you 352 00:15:06,440 --> 00:15:09,160 Speaker 1: don't trust me. I'm like, well, no, of course that's 353 00:15:09,160 --> 00:15:11,840 Speaker 1: not it. But like to me, I always I'm thinking 354 00:15:11,840 --> 00:15:14,120 Speaker 1: to myself that I have things that are not just me. 355 00:15:14,280 --> 00:15:17,480 Speaker 1: You know, as I grow there are people who all 356 00:15:17,520 --> 00:15:19,560 Speaker 1: they do is just work for me, and I want 357 00:15:19,600 --> 00:15:22,760 Speaker 1: to just make sure that should anything happen that I 358 00:15:22,800 --> 00:15:25,480 Speaker 1: don't you know, I'm not putting other people's lives in jeopardy, 359 00:15:25,520 --> 00:15:25,720 Speaker 1: you know. 360 00:15:26,200 --> 00:15:28,960 Speaker 2: Yeah, it's just he'll he'll come around. It's a smart decision. 361 00:15:29,920 --> 00:15:33,320 Speaker 2: One of my friends just got married and and they 362 00:15:33,600 --> 00:15:35,400 Speaker 2: she was well, she took it a step further. She 363 00:15:35,480 --> 00:15:38,360 Speaker 2: like posted their prenup on Instagram. I was like, okay, 364 00:15:38,640 --> 00:15:43,920 Speaker 2: miss Lauri and posted like the picture with the lawyer. 365 00:15:44,080 --> 00:15:45,400 Speaker 2: She was real happy about it. 366 00:15:46,200 --> 00:15:49,200 Speaker 1: I mean, I don't even to me, are like, you 367 00:15:49,200 --> 00:15:51,720 Speaker 1: know what we decided is like what to be common 368 00:15:51,760 --> 00:15:54,680 Speaker 1: sense stuff like, hey, if he's actually starting a business, 369 00:15:54,720 --> 00:15:56,280 Speaker 1: you know, know when we buy these houses because it's 370 00:15:56,280 --> 00:15:58,640 Speaker 1: his money, you know, his credit scored the houses and 371 00:15:58,680 --> 00:16:01,800 Speaker 1: his name, you know, but and it'll he'll start an 372 00:16:02,040 --> 00:16:04,960 Speaker 1: LLC to put these homes, you know, these multi family 373 00:16:05,000 --> 00:16:07,800 Speaker 1: homes in his name. So the for us, it's just simple. 374 00:16:07,840 --> 00:16:11,160 Speaker 1: It's like whatever business that you create is yours, Like 375 00:16:11,200 --> 00:16:13,880 Speaker 1: that's just you as yours and whatever we do together 376 00:16:14,200 --> 00:16:16,640 Speaker 1: is ours. So that that's all it really says. You 377 00:16:16,720 --> 00:16:19,560 Speaker 1: know that I wanted to keep it real simple, like 378 00:16:19,720 --> 00:16:21,800 Speaker 1: the budget eastend. If I make a business or whatever 379 00:16:22,200 --> 00:16:24,600 Speaker 1: those are, those things are mine and your you know, 380 00:16:24,640 --> 00:16:27,560 Speaker 1: your real estate development business or whatever, that'll be yours. 381 00:16:27,600 --> 00:16:30,000 Speaker 1: And if we do projects and things together where we 382 00:16:30,080 --> 00:16:33,000 Speaker 1: join our money together, then that's fifty percent mind fifty 383 00:16:33,040 --> 00:16:36,240 Speaker 1: percent yours. So nothing crazy, but just at least that 384 00:16:36,280 --> 00:16:37,360 Speaker 1: it's official, you know. 385 00:16:37,760 --> 00:16:40,080 Speaker 2: Yeah, because it's in Jersey, a communal property state where 386 00:16:40,120 --> 00:16:42,040 Speaker 2: if you get divorced without a prenup, that's fifty to 387 00:16:42,040 --> 00:16:43,640 Speaker 2: fifteen no matter what I think. 388 00:16:43,680 --> 00:16:46,000 Speaker 1: So and also too, it's also a what is that 389 00:16:46,080 --> 00:16:48,480 Speaker 1: thing called when you like live common law state where 390 00:16:48,520 --> 00:16:50,080 Speaker 1: if you live together for a certain. 391 00:16:49,880 --> 00:16:52,000 Speaker 3: Amount of time, you're you're married in the eyes of 392 00:16:52,040 --> 00:16:52,360 Speaker 3: the law. 393 00:16:54,120 --> 00:16:58,000 Speaker 2: So well, I think people too get like there's a 394 00:16:58,040 --> 00:16:59,720 Speaker 2: well there's a stigma of the prenap but then there's 395 00:16:59,720 --> 00:17:02,680 Speaker 2: all so people don't really like what do you put 396 00:17:02,680 --> 00:17:04,639 Speaker 2: in it? And I'm like, you just put whatever you 397 00:17:04,840 --> 00:17:07,320 Speaker 2: want in it. It's you know, it's for you. It 398 00:17:07,320 --> 00:17:10,640 Speaker 2: should be tailored to what you want. And meanwhile, I don't. 399 00:17:10,720 --> 00:17:12,720 Speaker 2: I haven't even thought about one. 400 00:17:12,840 --> 00:17:14,520 Speaker 1: I mean, I always think it depends. I mean like 401 00:17:15,720 --> 00:17:18,280 Speaker 1: if my if I was a preschool teacher, still, honestly, 402 00:17:18,320 --> 00:17:20,800 Speaker 1: I wouldn't even think about it. I wouldn't have I 403 00:17:20,840 --> 00:17:22,399 Speaker 1: would have been like, okay, Or if I had a 404 00:17:22,440 --> 00:17:25,840 Speaker 1: regular job, honestly, I wouldn't think about it. But because 405 00:17:26,040 --> 00:17:29,440 Speaker 1: I own two businesses and I'm like, okay, especially one 406 00:17:29,440 --> 00:17:32,560 Speaker 1: in particular where most of my employees and I'm starting 407 00:17:32,560 --> 00:17:35,919 Speaker 1: to bring on more full time people, and I just 408 00:17:36,119 --> 00:17:38,760 Speaker 1: want to make sure that because you know, I feel 409 00:17:38,800 --> 00:17:40,159 Speaker 1: like there are things that are bigger than me, and 410 00:17:40,200 --> 00:17:42,520 Speaker 1: I want to make sure that if anything should happen, 411 00:17:42,560 --> 00:17:46,240 Speaker 1: that that that show can still go on without any hindrance. 412 00:17:46,320 --> 00:17:49,719 Speaker 1: You know, Yeah, I hear you. Yeah, yeah, Like it 413 00:17:49,760 --> 00:17:52,800 Speaker 1: wasn't a fun coman. The thing is, I'm one thing 414 00:17:53,040 --> 00:17:55,360 Speaker 1: I am good at is that we have we've had 415 00:17:55,359 --> 00:17:59,040 Speaker 1: we had that conversation months ago, and I have purposefully 416 00:17:59,040 --> 00:18:01,159 Speaker 1: brought it up. I would say every other month, like 417 00:18:01,200 --> 00:18:03,679 Speaker 1: we just do like a brush up on it, like so, 418 00:18:04,840 --> 00:18:06,600 Speaker 1: and then when it came down, but you know, once 419 00:18:06,680 --> 00:18:08,760 Speaker 1: you come down to the nitty gritty, then it's like 420 00:18:09,480 --> 00:18:12,560 Speaker 1: and I think he didn't fully get like, I don't 421 00:18:12,600 --> 00:18:12,920 Speaker 1: know why. 422 00:18:12,960 --> 00:18:13,880 Speaker 3: I'm like, maybe it's TV. 423 00:18:14,320 --> 00:18:15,880 Speaker 1: But I was like, oh, so you know, I'm gonna 424 00:18:15,880 --> 00:18:19,040 Speaker 1: go see the lawyer today. Lawyer. I'm like, well, that's 425 00:18:19,040 --> 00:18:20,960 Speaker 1: who does it. He thought I was just gonna write it, 426 00:18:21,000 --> 00:18:21,760 Speaker 1: he was gonna sign it. 427 00:18:21,800 --> 00:18:26,040 Speaker 2: I'm I'm like, that's not how text you. 428 00:18:26,680 --> 00:18:28,680 Speaker 1: So then it became like that that was a little 429 00:18:28,720 --> 00:18:31,719 Speaker 1: bone of contention because then it's like, lawyer, you know, 430 00:18:31,840 --> 00:18:36,359 Speaker 1: that sounds so official and you know a document so yes, 431 00:18:36,520 --> 00:18:38,280 Speaker 1: and it's just like, oh gosh. So that was not 432 00:18:38,359 --> 00:18:41,040 Speaker 1: a fun conversation. And then even having to ask even 433 00:18:41,080 --> 00:18:42,639 Speaker 1: though I know all his financials, but there were a 434 00:18:42,640 --> 00:18:45,280 Speaker 1: few things I didn't know, you know, someone even asking, no, 435 00:18:45,320 --> 00:18:46,639 Speaker 1: what do you need that for and I'm like, uh, 436 00:18:46,800 --> 00:18:50,359 Speaker 1: for the for the document? Why am I what does 437 00:18:50,400 --> 00:18:51,800 Speaker 1: my stuff have to be in there? I'm like, well, 438 00:18:52,480 --> 00:18:54,760 Speaker 1: because it's we just have to establish this is where 439 00:18:54,800 --> 00:18:57,439 Speaker 1: we are. And so that way, it's just such a 440 00:18:57,640 --> 00:18:59,800 Speaker 1: ugh because yeah, I do so. 441 00:18:59,720 --> 00:19:01,639 Speaker 2: You met with the lawyer, but is it something that 442 00:19:01,680 --> 00:19:03,639 Speaker 2: you guys sit down together and do or did you 443 00:19:03,720 --> 00:19:05,840 Speaker 2: do it? And then you're like, oh, here you go. 444 00:19:06,359 --> 00:19:08,600 Speaker 1: Well no, no, it's something that we discussed together about, 445 00:19:08,640 --> 00:19:11,720 Speaker 1: like so what should be, how should it go? You know, 446 00:19:12,119 --> 00:19:14,199 Speaker 1: and so so but I'm the one who went to 447 00:19:14,280 --> 00:19:17,200 Speaker 1: the lawyer because ultimately, when you when you do a prenup, 448 00:19:17,640 --> 00:19:22,439 Speaker 1: it's it's one person that's looking for like he like 449 00:19:22,480 --> 00:19:24,760 Speaker 1: he would have to create his own totally if he 450 00:19:24,800 --> 00:19:27,800 Speaker 1: wanted to, that's fine, you know, but honestly, like we 451 00:19:27,880 --> 00:19:30,679 Speaker 1: did it in a way where it was it was 452 00:19:30,760 --> 00:19:34,119 Speaker 1: even so even though it was it was me that 453 00:19:34,200 --> 00:19:36,879 Speaker 1: initiated it. It's the way it's written. It gives us 454 00:19:36,960 --> 00:19:39,560 Speaker 1: equal power and value. I'm not like Donald Trump or 455 00:19:39,600 --> 00:19:41,440 Speaker 1: I'm like, hey, you know, if we're married for one year, 456 00:19:41,480 --> 00:19:43,840 Speaker 1: you get nothing. You get married for five years, you know, 457 00:19:43,880 --> 00:19:45,720 Speaker 1: you get a thousand dollars a month, like, none of that. 458 00:19:45,760 --> 00:19:48,240 Speaker 1: It was just literally, like, you know, if you build 459 00:19:48,280 --> 00:19:51,719 Speaker 1: something and I don't put any finances or whatever into it, 460 00:19:51,720 --> 00:19:54,560 Speaker 1: it's yours. If we build something together, it's fifty percent 461 00:19:54,560 --> 00:19:57,239 Speaker 1: mind fifty percent yours. But that's something that we discussed. So, 462 00:19:57,760 --> 00:19:59,320 Speaker 1: you know, I just wanted, Like I said, I just 463 00:19:59,320 --> 00:20:02,800 Speaker 1: wanted something because I've just seen too many people say 464 00:20:03,000 --> 00:20:05,480 Speaker 1: I wish I would have had something in place. Obviously, 465 00:20:05,480 --> 00:20:08,119 Speaker 1: you know, you don't anticipate I don't anticipate the getting divorced. 466 00:20:08,119 --> 00:20:09,560 Speaker 1: I've known him for so long and I love him 467 00:20:09,560 --> 00:20:12,159 Speaker 1: and I can't imagine myself with anyone else. But at 468 00:20:12,160 --> 00:20:14,919 Speaker 1: the same time, I'm like, you know, yeah, it was 469 00:20:14,920 --> 00:20:16,640 Speaker 1: not an easy choice to believe. There's plenty of times 470 00:20:16,640 --> 00:20:18,800 Speaker 1: when I was like, Tiffany, don't even do it. 471 00:20:18,840 --> 00:20:21,240 Speaker 2: But then I'm like, Tiffany, it's a no brainer. Come on, 472 00:20:22,080 --> 00:20:24,800 Speaker 2: it's a no especially when you both have significant assets 473 00:20:24,800 --> 00:20:26,920 Speaker 2: and you've got your business. Yeah, I think you're doing 474 00:20:27,359 --> 00:20:30,800 Speaker 2: You're doing the right thing. But it's easy because you know, 475 00:20:30,880 --> 00:20:32,920 Speaker 2: I think you're right. It's like TV and like pop 476 00:20:32,960 --> 00:20:36,840 Speaker 2: culture will villainize, Yeah, are not villainized, but just make 477 00:20:36,880 --> 00:20:40,480 Speaker 2: it seem like a selfish thing to do, or it's 478 00:20:40,480 --> 00:20:42,520 Speaker 2: about not trusting the other person. 479 00:20:42,920 --> 00:20:45,640 Speaker 1: Yeah, that's what he came down to, like, oh yeah, 480 00:20:45,680 --> 00:20:47,800 Speaker 1: so I mean, but I say for women and men 481 00:20:47,960 --> 00:20:50,639 Speaker 1: and whoever, if you're you know, thinking about it, it 482 00:20:50,680 --> 00:20:53,680 Speaker 1: should be a conversation to me anyway that it shouldn't 483 00:20:53,720 --> 00:20:56,480 Speaker 1: be something that you create and it's the secret thing. No, 484 00:20:56,560 --> 00:20:58,680 Speaker 1: it should be like, okay, so what do you think? 485 00:20:58,880 --> 00:21:01,560 Speaker 1: What do you feel? You know? And so you know, 486 00:21:01,640 --> 00:21:02,920 Speaker 1: he was just like, well, if that's what we're doing, 487 00:21:02,920 --> 00:21:04,840 Speaker 1: that's what that's what we do. Anyway. I'm like, well, 488 00:21:04,880 --> 00:21:07,560 Speaker 1: you'd hope so, but I always heard that the person 489 00:21:07,600 --> 00:21:10,280 Speaker 1: you marry is not the person you divorce, and so 490 00:21:10,560 --> 00:21:12,600 Speaker 1: you know, not like I said, not that and then 491 00:21:12,640 --> 00:21:14,280 Speaker 1: you hate to think that, like what am I planning 492 00:21:14,280 --> 00:21:14,760 Speaker 1: for a divorce? 493 00:21:14,760 --> 00:21:17,480 Speaker 3: And I'm like, well no, I mean no. 494 00:21:17,680 --> 00:21:20,320 Speaker 1: But at the same time, you just put yourself in 495 00:21:20,359 --> 00:21:22,160 Speaker 1: a position anyway, I don't want to talk about anymore. 496 00:21:24,640 --> 00:21:26,240 Speaker 2: Just get the ugly stuff, buyt of the way, and 497 00:21:26,280 --> 00:21:28,119 Speaker 2: it's smarted. It was smart of you to start the 498 00:21:28,160 --> 00:21:30,400 Speaker 2: conversation early and then keep That's what I do too, 499 00:21:30,400 --> 00:21:32,960 Speaker 2: and I know that's something that's going to be difficult. 500 00:21:33,600 --> 00:21:35,399 Speaker 2: I just mentioned it, and it's like, okay, take the 501 00:21:35,440 --> 00:21:37,960 Speaker 2: band aid off, and then you sow you know. 502 00:21:38,000 --> 00:21:39,919 Speaker 1: You and mentioned it and add a little bit more, 503 00:21:39,960 --> 00:21:41,960 Speaker 1: a little bit more detailed. And then finally the day 504 00:21:42,000 --> 00:21:44,360 Speaker 1: comes and it's not as bad as it would have been, 505 00:21:44,400 --> 00:21:48,320 Speaker 1: but it's it's never easy, certain certain conversations. 506 00:21:47,680 --> 00:21:50,600 Speaker 2: Oh adulting, but oh so exciting. It's spring wedding. 507 00:21:51,480 --> 00:21:53,760 Speaker 1: I now, So I mean I'm thinking, like, like I 508 00:21:53,800 --> 00:21:58,439 Speaker 1: said Sunday Brunch, I'm thinking under a hundred people, but 509 00:21:58,520 --> 00:22:00,240 Speaker 1: you know, who knows I might be a tot little 510 00:22:00,240 --> 00:22:03,680 Speaker 1: bridezilla and be like, oh my god, I want it all, but. 511 00:22:03,720 --> 00:22:05,040 Speaker 3: I definitely want to pay for everything. 512 00:22:05,080 --> 00:22:08,560 Speaker 1: Like we're already after this house is bought, we're already 513 00:22:08,560 --> 00:22:10,920 Speaker 1: going to start like, you know, like the wedding fund 514 00:22:10,920 --> 00:22:13,520 Speaker 1: because we have a joint savings account already. And so 515 00:22:13,640 --> 00:22:16,879 Speaker 1: that was like, you know, at first I tricked him 516 00:22:16,880 --> 00:22:19,439 Speaker 1: into creating one for quote unquote vacations, but in my 517 00:22:19,480 --> 00:22:21,840 Speaker 1: mind I was thinking, like, hey, this will be something bigger. 518 00:22:22,640 --> 00:22:25,960 Speaker 2: We know what's best for them, even if they don't. 519 00:22:26,119 --> 00:22:29,240 Speaker 3: Exactly, we should have a vacation fund wedding. 520 00:22:31,160 --> 00:22:33,520 Speaker 1: So yeah, so yeah, so we'll see I just don't 521 00:22:33,520 --> 00:22:36,399 Speaker 1: want I don't like event planning. It's just too stressful. 522 00:22:36,600 --> 00:22:37,920 Speaker 1: And I know a lot of people are like, i'll 523 00:22:37,960 --> 00:22:40,479 Speaker 1: do it for you, but you even if you have 524 00:22:40,560 --> 00:22:42,800 Speaker 1: an event planner, you still have to do planning. 525 00:22:43,440 --> 00:22:46,680 Speaker 2: Oh yeah. What's crazy is this is the four month 526 00:22:46,760 --> 00:22:50,760 Speaker 2: mark for us until the wedding. And I had a 527 00:22:50,800 --> 00:22:53,680 Speaker 2: stress stream about it last week when I got back 528 00:22:53,680 --> 00:22:55,720 Speaker 2: from India. It was a weird stress stream. It was 529 00:22:55,760 --> 00:22:59,080 Speaker 2: a dream where like I, you know, we're paying for 530 00:22:59,119 --> 00:23:01,760 Speaker 2: the wedding ourselves. We worked hard to save up for 531 00:23:01,880 --> 00:23:03,399 Speaker 2: and all this kind of stuff, and we're proud of that. 532 00:23:03,480 --> 00:23:05,960 Speaker 2: And my dream was that the wedding happened and we 533 00:23:05,960 --> 00:23:08,359 Speaker 2: weren't there, and that we're gonna have to pay for 534 00:23:08,400 --> 00:23:11,080 Speaker 2: a whole other wedding and ask for more money and 535 00:23:11,119 --> 00:23:13,040 Speaker 2: like borrow money for this second wedding. And I was 536 00:23:13,080 --> 00:23:16,119 Speaker 2: like hysterical. I don't know what that. I don't know 537 00:23:16,160 --> 00:23:18,360 Speaker 2: what to read into that other than like I think 538 00:23:18,359 --> 00:23:20,520 Speaker 2: I'm feeling like, holy crap, it's four months away. It's 539 00:23:20,520 --> 00:23:23,640 Speaker 2: starting to get starting to creep up on us. But honestly, 540 00:23:23,720 --> 00:23:26,600 Speaker 2: part of me is just like and where's the stress that, Like, 541 00:23:26,680 --> 00:23:27,439 Speaker 2: I'm not really. 542 00:23:28,160 --> 00:23:29,720 Speaker 1: Yeah, that's good, really feeling. 543 00:23:30,000 --> 00:23:32,240 Speaker 2: I think the you know, I have my best friend 544 00:23:32,320 --> 00:23:35,200 Speaker 2: right now is also engaged, and bless her heart, she's 545 00:23:35,240 --> 00:23:38,000 Speaker 2: dealing with some difficult family members and I won't say 546 00:23:38,000 --> 00:23:40,159 Speaker 2: which side of her face if it's her family or his, 547 00:23:40,240 --> 00:23:44,280 Speaker 2: because you know, people listen. But and I and that's 548 00:23:44,440 --> 00:23:46,240 Speaker 2: you know, and it hurt. They're not even getting married 549 00:23:46,320 --> 00:23:49,920 Speaker 2: til next you know, next fall, so she's really stressed. 550 00:23:49,960 --> 00:23:51,720 Speaker 2: And I'm just I'm like, thank God for my mother 551 00:23:51,800 --> 00:23:54,119 Speaker 2: and my mother in law because they've really all they 552 00:23:54,119 --> 00:23:56,600 Speaker 2: bugged me about is like what color dress should I wear? 553 00:23:56,960 --> 00:23:59,959 Speaker 2: And you know, the bridal shower that you know, like 554 00:24:00,119 --> 00:24:04,080 Speaker 2: nothing crazy, like they're not really that involved, and you know, 555 00:24:04,119 --> 00:24:05,880 Speaker 2: we're just chilling. But who knows. 556 00:24:05,880 --> 00:24:06,400 Speaker 1: It's good. 557 00:24:06,800 --> 00:24:09,680 Speaker 2: I know it could be a different story I was saying, right, 558 00:24:10,200 --> 00:24:10,680 Speaker 2: I don't. 559 00:24:10,520 --> 00:24:16,360 Speaker 1: Know, Like Superman's mother unfortunately passed away in his twenties, 560 00:24:16,359 --> 00:24:18,639 Speaker 1: so she's no longer here, but I hear that she 561 00:24:18,760 --> 00:24:19,760 Speaker 1: was like super awesome. 562 00:24:20,359 --> 00:24:21,240 Speaker 3: His father's still alive. 563 00:24:21,320 --> 00:24:25,439 Speaker 1: I mean, they're not super close, so go I'm assuming 564 00:24:25,480 --> 00:24:29,199 Speaker 1: he'll come, but meaning that there's not this energy on 565 00:24:29,240 --> 00:24:31,720 Speaker 1: the other side of him that's gonna be like, and Tiffany, 566 00:24:31,760 --> 00:24:32,760 Speaker 1: we want you to do this. 567 00:24:32,560 --> 00:24:33,960 Speaker 3: This there's really not that there. 568 00:24:34,000 --> 00:24:36,959 Speaker 1: You know. He's cool with his twin obviously, and his 569 00:24:37,000 --> 00:24:40,040 Speaker 1: sister is really nice. So but I don't anticipate them 570 00:24:40,080 --> 00:24:42,760 Speaker 1: being like this is what we see. 571 00:24:42,960 --> 00:24:45,159 Speaker 3: I don't know. I just I just don't like, like 572 00:24:45,200 --> 00:24:46,439 Speaker 3: I said, planning. 573 00:24:46,440 --> 00:24:48,440 Speaker 1: I mean, in my mother and my father, I think 574 00:24:48,440 --> 00:24:50,240 Speaker 1: they've already had the two big weddings from two of 575 00:24:50,280 --> 00:24:53,399 Speaker 1: my sisters. So and they know me very very well 576 00:24:53,560 --> 00:24:55,640 Speaker 1: enough to be like, you know what, We're just happy 577 00:24:55,680 --> 00:24:58,720 Speaker 1: Tiffany's getting married and not running away with the circus. 578 00:24:59,119 --> 00:25:02,920 Speaker 2: So you're inspiring people. Because my reporter, Brittany, who actually 579 00:25:02,960 --> 00:25:05,159 Speaker 2: listened to the show, is like I was telling her 580 00:25:05,200 --> 00:25:07,720 Speaker 2: about something I like bridesmaids gifts I was buying, and 581 00:25:07,760 --> 00:25:09,520 Speaker 2: she's like, man, you're having a big wedding. I'm gonna 582 00:25:09,560 --> 00:25:11,679 Speaker 2: be like, Tiffany, I'm gonna go to that. And I'm like, 583 00:25:11,720 --> 00:25:15,959 Speaker 2: go ahead, then be like, Tiffany, leave me alone right out. 584 00:25:15,960 --> 00:25:18,160 Speaker 1: I'm the serious. I'm just like, because I just don't want. 585 00:25:18,240 --> 00:25:21,119 Speaker 1: I rather buy homes, like I know we have like 586 00:25:21,280 --> 00:25:24,560 Speaker 1: a home buying question later. But I went shopping this 587 00:25:24,600 --> 00:25:27,640 Speaker 1: morning with superman like we've been looking. So he got 588 00:25:27,640 --> 00:25:30,480 Speaker 1: pre approved within like twenty minutes. It was like, you 589 00:25:30,520 --> 00:25:32,240 Speaker 1: know how, you're just like when you have one of 590 00:25:32,240 --> 00:25:34,440 Speaker 1: those I told you so moments with fiance Bud, like 591 00:25:34,480 --> 00:25:36,840 Speaker 1: mm hmm, listen to me a kid, I'll take you places. 592 00:25:36,880 --> 00:25:37,520 Speaker 3: That kind of moment. 593 00:25:37,600 --> 00:25:40,000 Speaker 1: After doing all the work of showing him how to save, 594 00:25:40,200 --> 00:25:42,520 Speaker 1: raising his credit score, like really getting him on a 595 00:25:42,560 --> 00:25:44,720 Speaker 1: tight budget, all of that kind of stuff, it took 596 00:25:44,720 --> 00:25:46,480 Speaker 1: about two and a half years, so you're like get 597 00:25:46,560 --> 00:25:50,439 Speaker 1: him rocking and rolling. When it came to time to 598 00:25:50,600 --> 00:25:53,280 Speaker 1: like really talk about buying a home, and I was 599 00:25:53,359 --> 00:25:55,600 Speaker 1: really like trying to convince him I really think that 600 00:25:56,160 --> 00:25:57,800 Speaker 1: multi family house is a way to go, but he 601 00:25:57,840 --> 00:26:01,280 Speaker 1: wasn't interested because for for housing where he worked, he 602 00:26:01,359 --> 00:26:03,360 Speaker 1: kind of does that and he's like it's not my favorite. 603 00:26:03,800 --> 00:26:05,240 Speaker 1: But I was just like, no, but this will be 604 00:26:05,240 --> 00:26:08,320 Speaker 1: a stream of income. Let's work more money. So finally 605 00:26:08,400 --> 00:26:11,160 Speaker 1: he said okay, and we went for their pre approval 606 00:26:11,200 --> 00:26:15,520 Speaker 1: process and literally it took I called like I asked 607 00:26:15,520 --> 00:26:17,880 Speaker 1: a friend for like a referral called the guy. Guy 608 00:26:18,000 --> 00:26:19,760 Speaker 1: was like, give me, you know, send me over your information. 609 00:26:19,880 --> 00:26:22,320 Speaker 1: I sent it over to him. Within ten minutes. The 610 00:26:22,359 --> 00:26:24,879 Speaker 1: guy calls me back in ten minutes and says, okay, 611 00:26:24,920 --> 00:26:27,240 Speaker 1: pre approved for three hundred thousand dollars. 612 00:26:27,320 --> 00:26:29,480 Speaker 2: And to say, is this a loan officer works for 613 00:26:29,520 --> 00:26:30,680 Speaker 2: the bank or who's the guy? 614 00:26:31,000 --> 00:26:33,159 Speaker 1: So he's he's a loan officer. It's just like, so 615 00:26:33,400 --> 00:26:35,200 Speaker 1: what I loved about it though? And I said, is 616 00:26:35,240 --> 00:26:37,679 Speaker 1: it typical for people to be pre approved so quickly? 617 00:26:37,720 --> 00:26:40,720 Speaker 1: He said no, But honestly, he was like he had 618 00:26:40,840 --> 00:26:43,640 Speaker 1: all of the right check marks, like one, he's been 619 00:26:43,680 --> 00:26:46,240 Speaker 1: at his place of where he's worked, you know, well 620 00:26:46,280 --> 00:26:49,679 Speaker 1: over ten years. Two you know he has a significant 621 00:26:49,680 --> 00:26:52,639 Speaker 1: amount of money saved. Three he's got a great credit score, 622 00:26:52,840 --> 00:26:55,640 Speaker 1: so he had all of the things you know. And 623 00:26:56,200 --> 00:27:01,160 Speaker 1: five he has honestly no debt. So the approval process 624 00:27:01,280 --> 00:27:04,680 Speaker 1: for Superman was super fast. But it's something I'd pre 625 00:27:04,680 --> 00:27:07,480 Speaker 1: planned almost from the moment that we started dating, because 626 00:27:07,480 --> 00:27:11,920 Speaker 1: I thought to myself, hmmm, he works for housing. He 627 00:27:11,960 --> 00:27:15,520 Speaker 1: flips apartments like the floor, the wall. Basically when someone 628 00:27:15,560 --> 00:27:19,560 Speaker 1: moves out, he prepares the space him in like a 629 00:27:19,600 --> 00:27:22,399 Speaker 1: squad of like guys prepared the space for the new tenant. 630 00:27:22,520 --> 00:27:24,520 Speaker 1: So basically a landlord, so he knows how to fix 631 00:27:24,560 --> 00:27:28,919 Speaker 1: like everything, and even like some basic construction stuff, and 632 00:27:28,960 --> 00:27:30,600 Speaker 1: what he doesn't know how to fix, he knows the 633 00:27:30,600 --> 00:27:32,960 Speaker 1: guy because he works with the guys, you know. Yeah, 634 00:27:33,040 --> 00:27:35,199 Speaker 1: And I thought that this is like the perfect leeway 635 00:27:35,280 --> 00:27:38,000 Speaker 1: into being a landlord. And he was like, I'm not interested, 636 00:27:38,000 --> 00:27:41,240 Speaker 1: and I'm like, okay, well, let's have a vacation account 637 00:27:41,280 --> 00:27:44,360 Speaker 1: and let's get your credit score ready, basically setting him 638 00:27:44,440 --> 00:27:47,960 Speaker 1: up for the eventual you'll see my way soon. And 639 00:27:49,400 --> 00:27:51,720 Speaker 1: that took about two and a half years and he 640 00:27:51,920 --> 00:27:54,960 Speaker 1: finally sees in my way and I after doing the 641 00:27:55,000 --> 00:27:57,760 Speaker 1: maths with him, and so his pre approval was so 642 00:27:58,000 --> 00:28:01,640 Speaker 1: fast because of laying that thound foundation. So I called 643 00:28:02,160 --> 00:28:03,960 Speaker 1: a friend of mine. I said, you know, I'm looking 644 00:28:04,040 --> 00:28:07,600 Speaker 1: for a loan officer, and she gave me a great 645 00:28:07,600 --> 00:28:10,800 Speaker 1: referral and I called him. He said, okay, send all 646 00:28:10,840 --> 00:28:12,600 Speaker 1: your stuff over. So we sent it over within like 647 00:28:12,640 --> 00:28:15,399 Speaker 1: ten minutes, and ten minutes later he called and he 648 00:28:15,480 --> 00:28:18,760 Speaker 1: was pre approved for three hundred thousand dollars. That's what 649 00:28:18,800 --> 00:28:21,120 Speaker 1: we asked for, Like we're looking for a multi family house, 650 00:28:21,160 --> 00:28:23,879 Speaker 1: no more than that. And the reason why, you know, 651 00:28:23,920 --> 00:28:26,639 Speaker 1: he was pre approved so quickly without any issue at all. 652 00:28:26,720 --> 00:28:29,320 Speaker 1: Is because one, he has an excellent credit score, so 653 00:28:29,680 --> 00:28:32,080 Speaker 1: anything over seven forty you get the best rates for 654 00:28:32,440 --> 00:28:35,000 Speaker 1: a home. He has a seven fifty two. He has 655 00:28:35,080 --> 00:28:39,840 Speaker 1: no debt whatsoever. I mean, no car loan, no student loans. 656 00:28:40,480 --> 00:28:41,960 Speaker 1: He has like you know, maybe like a he has 657 00:28:42,000 --> 00:28:44,160 Speaker 1: a Macy's card. He just brought a suit, so I 658 00:28:44,160 --> 00:28:46,480 Speaker 1: think he has two hundred dollars on that. But that's 659 00:28:46,520 --> 00:28:48,320 Speaker 1: something he's going to pay off this month. But it's 660 00:28:48,400 --> 00:28:50,960 Speaker 1: unheard of, honestly as an adult, to have literally no debt. 661 00:28:51,000 --> 00:28:54,000 Speaker 1: He has no debt. Three, he has money saved. So 662 00:28:54,080 --> 00:28:57,080 Speaker 1: he's been saving since then, since when I first met him, 663 00:28:57,120 --> 00:28:59,360 Speaker 1: and I showed him how to open up an online 664 00:28:59,720 --> 00:29:01,880 Speaker 1: bank and can we use ally, and so he's been 665 00:29:01,920 --> 00:29:05,640 Speaker 1: saving automatically from his paycheck there and three and four 666 00:29:05,800 --> 00:29:09,120 Speaker 1: he has worked at his job for nearly I think 667 00:29:09,160 --> 00:29:12,880 Speaker 1: over twenty years. No, not over twenty years, but like 668 00:29:13,080 --> 00:29:17,000 Speaker 1: over ten yeah, over ten years. And so all of 669 00:29:17,000 --> 00:29:20,800 Speaker 1: those things combined make him like this really super safe 670 00:29:20,800 --> 00:29:24,520 Speaker 1: person to lend money to. And so but all of 671 00:29:24,560 --> 00:29:26,680 Speaker 1: that was after, you know, people ask me all the time, 672 00:29:26,760 --> 00:29:30,200 Speaker 1: you know, like, oh, Tiffany, you know, I want to 673 00:29:30,200 --> 00:29:31,920 Speaker 1: buy a house what are the things I need to 674 00:29:31,960 --> 00:29:33,920 Speaker 1: get in order? And those really are. It is like 675 00:29:34,120 --> 00:29:37,160 Speaker 1: get your credit score right, get your savings up, get 676 00:29:37,240 --> 00:29:40,160 Speaker 1: rid of that debt, you know, and if you're working somewhere, 677 00:29:40,320 --> 00:29:42,720 Speaker 1: you know, stay where you are for now because they 678 00:29:42,760 --> 00:29:44,960 Speaker 1: don't want to see, Oh, I just switched jobs, you know, 679 00:29:45,160 --> 00:29:47,880 Speaker 1: three months ago. And so yeah, he got preapproved, and 680 00:29:47,920 --> 00:29:50,800 Speaker 1: we've been house shopping. We went this morning. So here's 681 00:29:50,840 --> 00:29:54,640 Speaker 1: our plan. So we're looking for a multi family house. 682 00:29:55,560 --> 00:29:58,000 Speaker 1: And I've done the math. So no, if it's a 683 00:29:58,040 --> 00:30:01,280 Speaker 1: four family, our cap is three hundred thousand. If it's 684 00:30:01,280 --> 00:30:03,760 Speaker 1: a three family, our cap is two fifty. If it's 685 00:30:03,800 --> 00:30:07,680 Speaker 1: a two family, our caps like one fifty seventy five. 686 00:30:07,960 --> 00:30:09,720 Speaker 1: So I'll give you an example. We saw this house, 687 00:30:10,240 --> 00:30:12,600 Speaker 1: really cute. It was a newer It's a two family 688 00:30:12,640 --> 00:30:16,880 Speaker 1: house for one hundred and fifty thousand with all the 689 00:30:17,000 --> 00:30:19,480 Speaker 1: you know, we put our twenty percent down and with 690 00:30:19,160 --> 00:30:23,400 Speaker 1: the current interest rate, our mortgage would be about a 691 00:30:23,480 --> 00:30:26,400 Speaker 1: little over seven hundred dollars a month. One of the 692 00:30:26,480 --> 00:30:29,560 Speaker 1: units rent for a little over one thousand, the other 693 00:30:29,600 --> 00:30:31,440 Speaker 1: unit rents for a little over one thousand. So let's 694 00:30:31,440 --> 00:30:34,360 Speaker 1: just say two thousand dollars. Is the is how much 695 00:30:34,520 --> 00:30:37,440 Speaker 1: the it's how much the income it's going to produce. 696 00:30:37,560 --> 00:30:41,520 Speaker 1: And then we pay seven hundred dollars out for tax, 697 00:30:41,880 --> 00:30:45,080 Speaker 1: insurance and mortgage, So that leaves us with thirteen hundred 698 00:30:45,120 --> 00:30:49,280 Speaker 1: dollars profit if we don't live there, and if we 699 00:30:49,320 --> 00:30:51,600 Speaker 1: live there then it's you know, it's like three hundred 700 00:30:51,600 --> 00:30:53,600 Speaker 1: dollars profit or whatever. But see, I want us to 701 00:30:53,600 --> 00:30:58,480 Speaker 1: set set ourselves up for financial success and then you know, 702 00:30:58,520 --> 00:31:00,520 Speaker 1: we get the next one and the next one. And 703 00:31:00,560 --> 00:31:03,320 Speaker 1: so that's the plan, is to buy a multifamily house 704 00:31:03,320 --> 00:31:06,400 Speaker 1: that yields at least at minimum one thousand dollars a 705 00:31:06,400 --> 00:31:09,040 Speaker 1: month in an income after expenses. 706 00:31:09,880 --> 00:31:12,360 Speaker 2: Well, let me interrupt you so I can read our 707 00:31:12,440 --> 00:31:16,560 Speaker 2: question of the day because it's actually related to your 708 00:31:16,640 --> 00:31:21,280 Speaker 2: investment property. Okay, mission adventure. So this comes from Amy, 709 00:31:21,280 --> 00:31:23,400 Speaker 2: who's actually an old friend of mine who just had 710 00:31:23,440 --> 00:31:26,360 Speaker 2: a baby. She's like, we're actually friends, you know me. 711 00:31:26,400 --> 00:31:30,320 Speaker 2: I'm like, yes, I know you, Amy. So Amy wants 712 00:31:30,360 --> 00:31:34,200 Speaker 2: to know specifically for Tiffany, you mentioned your quest to 713 00:31:34,200 --> 00:31:36,920 Speaker 2: purchase an investment property. Can you talk a little bit 714 00:31:36,960 --> 00:31:39,040 Speaker 2: about your journey in this in terms of setting up 715 00:31:39,040 --> 00:31:43,960 Speaker 2: an LLC finding a lawyer slash accountant slash real estate agent, 716 00:31:44,440 --> 00:31:47,719 Speaker 2: doing your due diligence, etc. And how did you identify 717 00:31:47,760 --> 00:31:50,120 Speaker 2: the right market to invest in? Will you manage yourself 718 00:31:50,200 --> 00:31:52,680 Speaker 2: or hire a property manager? I've read some books on 719 00:31:52,720 --> 00:31:54,840 Speaker 2: the topic, and I work in real estate accounting, but 720 00:31:54,880 --> 00:31:57,160 Speaker 2: I'd love some specific tips on how to get started. 721 00:31:57,920 --> 00:32:00,120 Speaker 1: So one, you want to get your finances into in 722 00:32:00,240 --> 00:32:02,920 Speaker 1: order first, like I said, before getting getting rid of 723 00:32:03,000 --> 00:32:06,360 Speaker 1: your debt, getting your credit score, like if you have 724 00:32:06,440 --> 00:32:09,280 Speaker 1: a seven thirty, wait until you have a seven forty, 725 00:32:09,400 --> 00:32:12,640 Speaker 1: because the difference in interest is gonna it's gonna matter. 726 00:32:13,040 --> 00:32:15,479 Speaker 1: So get yourself to a seven forty. You're better, like 727 00:32:15,520 --> 00:32:18,400 Speaker 1: you know if you can. Also, you know, get your 728 00:32:18,440 --> 00:32:20,920 Speaker 1: savings up because they're also what they're gonna look at 729 00:32:21,080 --> 00:32:24,200 Speaker 1: is they're gonna see have you been consistently saving, So 730 00:32:24,560 --> 00:32:26,320 Speaker 1: they don't want to see three months ago you had 731 00:32:26,320 --> 00:32:29,760 Speaker 1: this random lump sum of twenty thousand dollars put into 732 00:32:29,760 --> 00:32:31,560 Speaker 1: your account because it looks like a friend of yours. 733 00:32:31,680 --> 00:32:32,840 Speaker 3: Let you hold twenty thousand. 734 00:32:32,880 --> 00:32:34,520 Speaker 1: It's gonna take it back, but you just want to 735 00:32:34,560 --> 00:32:38,320 Speaker 1: show you have money, So start your savings. And two, 736 00:32:38,480 --> 00:32:40,640 Speaker 1: if you're at a place of wherever you work, stay 737 00:32:40,640 --> 00:32:42,720 Speaker 1: there because they're gonna want to see that you can 738 00:32:42,840 --> 00:32:45,480 Speaker 1: consistently have income coming in if you work there for 739 00:32:45,520 --> 00:32:48,720 Speaker 1: a while. So that's the back end stuff and the 740 00:32:49,160 --> 00:32:52,760 Speaker 1: as far as choosing a market, we chose Newark because one, 741 00:32:52,880 --> 00:32:55,280 Speaker 1: we're really familiar with Newark. I mean I've lived here 742 00:32:55,720 --> 00:32:58,600 Speaker 1: maybe like five or six years. Superman has lived here 743 00:32:58,640 --> 00:33:01,560 Speaker 1: his whole entire life. I mean he has lived I think, 744 00:33:01,600 --> 00:33:05,360 Speaker 1: basically in every section of Newark, so he knows every block. 745 00:33:05,400 --> 00:33:07,360 Speaker 1: Like when I read off the blocks to him, he's like, 746 00:33:07,360 --> 00:33:09,000 Speaker 1: oh no, no, no, no, oh yeah, yeah, yeah, yeah, 747 00:33:09,040 --> 00:33:11,840 Speaker 1: wait it depends between sixteen and seventeenth Avenue or between 748 00:33:11,880 --> 00:33:15,720 Speaker 1: seventeen and eighteen. So one, you know, we're going with 749 00:33:15,760 --> 00:33:19,360 Speaker 1: this knowledge because here's someone who quite honestly used to 750 00:33:19,400 --> 00:33:22,840 Speaker 1: run the streets, so he knows all of them. But 751 00:33:23,000 --> 00:33:25,160 Speaker 1: you know, because I feel really comfortable because Newark can 752 00:33:25,200 --> 00:33:28,000 Speaker 1: be a very scary place. Newark is like Brooklyn before 753 00:33:28,000 --> 00:33:31,360 Speaker 1: the gentrification, so it could be a very scary place 754 00:33:31,400 --> 00:33:34,120 Speaker 1: to invest as an investor because you know, it's it's 755 00:33:34,160 --> 00:33:36,080 Speaker 1: still very much up and coming, So there are a 756 00:33:36,120 --> 00:33:39,280 Speaker 1: lot of neighborhoods where it might look okay now, but 757 00:33:39,280 --> 00:33:41,880 Speaker 1: it's only because it's cold. And then during the summertime 758 00:33:42,240 --> 00:33:44,480 Speaker 1: the block is live and people are dealing drugs and 759 00:33:44,480 --> 00:33:47,040 Speaker 1: people are stealing cars, and you didn't know that. So 760 00:33:47,120 --> 00:33:49,240 Speaker 1: we chose Newark because it's a place that we're both 761 00:33:49,280 --> 00:33:52,200 Speaker 1: really familiar with, and two because it is up and coming, 762 00:33:52,480 --> 00:33:54,440 Speaker 1: and you could tell us up and coming, like the 763 00:33:54,520 --> 00:33:57,840 Speaker 1: kind of businesses that are being attracted here. Panasonic now 764 00:33:57,880 --> 00:34:00,440 Speaker 1: has their headquarters here. There's a whole food coming to 765 00:34:00,480 --> 00:34:05,760 Speaker 1: downtown Newark, all foods. What is it called. Starbucks just 766 00:34:05,800 --> 00:34:08,560 Speaker 1: moved here, not their headquarters, but like we have a Starbucks. 767 00:34:08,640 --> 00:34:10,680 Speaker 1: So there's certain things that are coming that makes it 768 00:34:10,800 --> 00:34:15,560 Speaker 1: very clear that it's after literally fifty years of being 769 00:34:15,600 --> 00:34:19,719 Speaker 1: in one type of way, it's starting to come up. 770 00:34:20,040 --> 00:34:22,040 Speaker 1: And you could tell even because as we're starting to 771 00:34:22,080 --> 00:34:24,400 Speaker 1: buy and try to buy multi family houses, some of 772 00:34:24,400 --> 00:34:26,640 Speaker 1: them are being bought so quickly, so it's on the 773 00:34:26,680 --> 00:34:29,520 Speaker 1: market one day and then a cash investor will come in, 774 00:34:29,960 --> 00:34:32,000 Speaker 1: and so that's a sign too, like people are starting 775 00:34:32,040 --> 00:34:34,960 Speaker 1: to buy these homes cash, meaning investors are starting to 776 00:34:35,000 --> 00:34:38,480 Speaker 1: see it's time to buy in Newark. So that was 777 00:34:38,480 --> 00:34:41,720 Speaker 1: it too, and too you want to to to google 778 00:34:42,120 --> 00:34:44,360 Speaker 1: your area to see if there's any grants. Like Newark, 779 00:34:44,719 --> 00:34:47,920 Speaker 1: if you are going to be owner occupied, there's a 780 00:34:47,960 --> 00:34:52,080 Speaker 1: five thousand dollars grant for down payment, and there's also 781 00:34:52,160 --> 00:34:55,800 Speaker 1: twenty five thousand dollars grant if you're fixing up the property, 782 00:34:55,920 --> 00:34:59,160 Speaker 1: so potentially thirty thousand dollars that we can qualify for 783 00:34:59,440 --> 00:35:00,560 Speaker 1: to put into the property. 784 00:35:01,040 --> 00:35:04,600 Speaker 3: So they're that's through the housing. 785 00:35:04,760 --> 00:35:07,680 Speaker 1: Uh, Newark has that just in the housing department, so 786 00:35:07,760 --> 00:35:09,759 Speaker 1: like the city has it. You know, the city has 787 00:35:09,800 --> 00:35:12,719 Speaker 1: like the health Department, the Housing department, the So I 788 00:35:12,800 --> 00:35:17,360 Speaker 1: just googled, like Newark grants for home buyers, So wherever 789 00:35:17,360 --> 00:35:19,919 Speaker 1: you're looking, Brooklyn grants for home buyers. So wherever you're looking, 790 00:35:20,080 --> 00:35:23,280 Speaker 1: just look into that. And also too, if you speak 791 00:35:23,320 --> 00:35:27,000 Speaker 1: to a real estate agent. So the best thing to 792 00:35:27,040 --> 00:35:29,000 Speaker 1: do is to get referrals for the people that you need. 793 00:35:29,280 --> 00:35:31,520 Speaker 1: So if you speak to a real estate agent or 794 00:35:32,040 --> 00:35:35,399 Speaker 1: you know, asking them, are their grants because sometimes they'll 795 00:35:35,440 --> 00:35:37,520 Speaker 1: know the exact name and you could google for yourself 796 00:35:37,520 --> 00:35:39,720 Speaker 1: and find them. So my real estate agent is actually 797 00:35:39,800 --> 00:35:42,360 Speaker 1: is the one who told me about the grant, and 798 00:35:42,360 --> 00:35:45,560 Speaker 1: I dug a little deeper. So yeah, you want to 799 00:35:45,560 --> 00:35:46,840 Speaker 1: look into that too, just to see if there's some 800 00:35:46,920 --> 00:35:47,759 Speaker 1: free money out there. 801 00:35:47,760 --> 00:35:49,720 Speaker 3: Oftentimes, if you're if you're investing. 802 00:35:49,360 --> 00:35:52,000 Speaker 1: In an up and coming area, there is free money 803 00:35:52,040 --> 00:35:55,120 Speaker 1: because they want people to invest here. And the people 804 00:35:55,120 --> 00:35:56,800 Speaker 1: you need on your team, I'm gonna try to remember 805 00:35:56,840 --> 00:35:59,160 Speaker 1: all of them, but your real estate agent, you need 806 00:35:59,200 --> 00:36:02,560 Speaker 1: your your either your mortgage broker or your lender. You 807 00:36:02,600 --> 00:36:06,160 Speaker 1: need your lawyer, you need your uh what is that 808 00:36:06,280 --> 00:36:11,400 Speaker 1: person called the inspector? And I'm trying to think who 809 00:36:11,440 --> 00:36:13,920 Speaker 1: else do we have? So these are all people that 810 00:36:14,040 --> 00:36:17,319 Speaker 1: we asked for a referral. So I asked just either 811 00:36:17,360 --> 00:36:19,360 Speaker 1: people that I knew personally or like you know, you 812 00:36:19,400 --> 00:36:21,560 Speaker 1: ask a friend of a friend, who did you use, 813 00:36:21,600 --> 00:36:24,759 Speaker 1: why did you like them? And then from there, you know, 814 00:36:24,760 --> 00:36:27,200 Speaker 1: you kind of do your own little interview and see 815 00:36:27,200 --> 00:36:30,640 Speaker 1: if one you're looking for people who move quickly. The 816 00:36:30,719 --> 00:36:34,200 Speaker 1: first mortgage person that I was interested in, I'm not 817 00:36:34,200 --> 00:36:36,000 Speaker 1: gonna say his name because we ended up like letting 818 00:36:36,040 --> 00:36:40,000 Speaker 1: him go because I emailed him on a Saturday, and 819 00:36:40,040 --> 00:36:42,759 Speaker 1: real estate agents work on Saturday. They're showing homes. I mean, 820 00:36:43,000 --> 00:36:46,160 Speaker 1: I called, I submitted his paperwork, I called, and I 821 00:36:46,200 --> 00:36:48,080 Speaker 1: emailed I didn't hear back. 822 00:36:48,120 --> 00:36:49,000 Speaker 3: I didn't hear got it. 823 00:36:49,040 --> 00:36:50,960 Speaker 1: I called and emailed on a Monday, and then Tuesday 824 00:36:51,000 --> 00:36:53,960 Speaker 1: I called and I text him, and I called and 825 00:36:54,120 --> 00:36:56,600 Speaker 1: finally I emailed him on that Tuesday and said, you know, 826 00:36:56,640 --> 00:36:58,719 Speaker 1: we're gonna move in a different direction, And within like 827 00:36:58,760 --> 00:37:00,400 Speaker 1: ten minutes they wrote back, oh, oh, you know, I'm 828 00:37:00,440 --> 00:37:02,520 Speaker 1: so sorry. And I told him like, yeah, we're just 829 00:37:02,520 --> 00:37:04,640 Speaker 1: looking for someone who's going to be more timely, and 830 00:37:04,680 --> 00:37:08,799 Speaker 1: then he wrot me back a sassy ass text saying like, oh, well, 831 00:37:08,840 --> 00:37:11,560 Speaker 1: you know if you just submitted on Saturday, so I 832 00:37:11,560 --> 00:37:13,680 Speaker 1: don't know who you think it's going to move faster. Well, 833 00:37:13,760 --> 00:37:16,520 Speaker 1: the guy who preapproved us in twenty minutes. That's what 834 00:37:16,560 --> 00:37:19,000 Speaker 1: I'm looking for, because if we're looking at a house, 835 00:37:19,000 --> 00:37:20,279 Speaker 1: I don't have two or three days to wait for 836 00:37:20,320 --> 00:37:22,040 Speaker 1: you not to pick up the phone. So you're looking 837 00:37:22,080 --> 00:37:24,680 Speaker 1: for people who are gonna be timely, and they don't. 838 00:37:24,440 --> 00:37:26,920 Speaker 2: They want to get paid. I know they get paid 839 00:37:26,920 --> 00:37:28,680 Speaker 2: if they help you find a house exactly. 840 00:37:28,800 --> 00:37:30,120 Speaker 1: So I don't know why he was like, you know, 841 00:37:30,200 --> 00:37:32,360 Speaker 1: I'm like, don't be mad because you didn't pick up 842 00:37:32,360 --> 00:37:34,160 Speaker 1: and you know you lost that deal. Also, what you 843 00:37:34,160 --> 00:37:36,560 Speaker 1: don't want to do. Is this this is key? Remember this, 844 00:37:36,640 --> 00:37:39,280 Speaker 1: my dad would say, he who pays the piper determines 845 00:37:39,280 --> 00:37:42,799 Speaker 1: the tune. So basically, if you pay the DJ, they 846 00:37:42,800 --> 00:37:45,520 Speaker 1: have to play your song. So if you whoever is 847 00:37:46,239 --> 00:37:49,520 Speaker 1: getting paid by you is the one they're gonna be, 848 00:37:49,560 --> 00:37:52,560 Speaker 1: that's who they're gonna be loyal to. So don't get 849 00:37:52,719 --> 00:37:55,680 Speaker 1: a referral from your real Your real estate agent is 850 00:37:55,719 --> 00:37:57,879 Speaker 1: going to have a referral for everyone. You don't want 851 00:37:57,880 --> 00:38:02,400 Speaker 1: it because if the the mortgage person, if the inspector 852 00:38:02,440 --> 00:38:05,120 Speaker 1: of all these people come through the real estate agent, 853 00:38:05,480 --> 00:38:07,479 Speaker 1: they are going to be loyal to the real estate 854 00:38:07,480 --> 00:38:09,359 Speaker 1: agent and not what's best for you. So you want 855 00:38:09,520 --> 00:38:13,160 Speaker 1: everybody basically to be a stranger. They might know each other, 856 00:38:13,239 --> 00:38:15,960 Speaker 1: but they're working for you, because if not, then everyone's 857 00:38:15,960 --> 00:38:18,640 Speaker 1: like working for the best interests of the sale and 858 00:38:18,680 --> 00:38:20,799 Speaker 1: not the customer. So you just want to remember that too. 859 00:38:20,840 --> 00:38:22,719 Speaker 1: That was like something. And then also to take a 860 00:38:22,719 --> 00:38:25,040 Speaker 1: first time home buyers class. I took one when I 861 00:38:25,040 --> 00:38:26,840 Speaker 1: bought my first home when I was like twenty five. 862 00:38:27,560 --> 00:38:30,600 Speaker 1: It was invaluable. They're free take one. It was like 863 00:38:30,680 --> 00:38:33,160 Speaker 1: three weeks, three saturdays in a row. But I learned 864 00:38:33,280 --> 00:38:34,840 Speaker 1: so much about the process. 865 00:38:34,920 --> 00:38:37,600 Speaker 2: It's also through HUD housing and urban development. 866 00:38:38,080 --> 00:38:40,399 Speaker 1: Yeah, you can, but they have I mean banks have them. 867 00:38:40,680 --> 00:38:43,080 Speaker 1: You know, banks have them because they're like soft upsales. 868 00:38:43,480 --> 00:38:45,400 Speaker 1: So like I took one through like a City National 869 00:38:45,480 --> 00:38:48,080 Speaker 1: Bank in Newark when I was twenty five, and basically, 870 00:38:48,080 --> 00:38:49,520 Speaker 1: you know, the bank is there because they're hoping, like 871 00:38:49,560 --> 00:38:51,640 Speaker 1: you're taking this course and you'll get a mortgage through them. 872 00:38:51,920 --> 00:38:54,200 Speaker 1: I didn't, but it was a great free class, so 873 00:38:54,360 --> 00:38:57,560 Speaker 1: definitely want to take that. I made well. I went 874 00:38:57,640 --> 00:39:01,279 Speaker 1: with Superman to take the class, and so because I mean, 875 00:39:01,320 --> 00:39:04,000 Speaker 1: I want you to, I want you to know the process. 876 00:39:04,000 --> 00:39:05,879 Speaker 1: And at first he was kicking and screaming, but then 877 00:39:05,880 --> 00:39:09,279 Speaker 1: afterwards he was like, oh, and yeah, the LLC is 878 00:39:09,320 --> 00:39:11,879 Speaker 1: super simple. With the LLC, you just you can go 879 00:39:11,920 --> 00:39:14,600 Speaker 1: online and do your you know, go to Google whatever 880 00:39:14,640 --> 00:39:18,080 Speaker 1: state you live in and register for LLC. If you're 881 00:39:18,120 --> 00:39:20,719 Speaker 1: nervous about it, you can go to your local bank. 882 00:39:20,800 --> 00:39:23,080 Speaker 1: Oftentimes the banks will walk you through because they want 883 00:39:23,120 --> 00:39:25,359 Speaker 1: you to open up the bank business bank account with them, 884 00:39:25,719 --> 00:39:27,360 Speaker 1: So bring your laptop and say, hey, I want to 885 00:39:27,360 --> 00:39:30,120 Speaker 1: open up a business bank account. I want to, but 886 00:39:30,160 --> 00:39:32,200 Speaker 1: I need help, like you know, doing my LLC. Can 887 00:39:32,239 --> 00:39:35,040 Speaker 1: you help walk me through the process, And some banks 888 00:39:35,080 --> 00:39:37,799 Speaker 1: will do that for you, so that way you know 889 00:39:37,880 --> 00:39:40,600 Speaker 1: you have your LLC and when you all of your 890 00:39:40,640 --> 00:39:43,480 Speaker 1: expenses can be written off, All of your home expenses 891 00:39:43,480 --> 00:39:46,200 Speaker 1: can be written off. So I'm super excited because to me, 892 00:39:47,320 --> 00:39:50,719 Speaker 1: this is like the leap toward wealth for Superman. You know, 893 00:39:50,800 --> 00:39:53,399 Speaker 1: this is like the there. So there are a few 894 00:39:53,440 --> 00:39:55,680 Speaker 1: ways to leap toward wealth. You have your regular job, 895 00:39:56,160 --> 00:39:58,279 Speaker 1: and then you make the leap through either investing in 896 00:39:58,360 --> 00:40:02,640 Speaker 1: real estate, owning some sort of business, or really getting 897 00:40:02,640 --> 00:40:06,080 Speaker 1: into stock investing, not just for retirement's sake, but for 898 00:40:06,120 --> 00:40:08,280 Speaker 1: wealth's sake. So those are one of the few ways, 899 00:40:08,320 --> 00:40:10,399 Speaker 1: the three ways that you start to make the leap 900 00:40:10,440 --> 00:40:13,440 Speaker 1: towards next level of wealth. And for him, this is 901 00:40:13,480 --> 00:40:15,720 Speaker 1: right up his alley. So yeah, I hope I answered 902 00:40:15,760 --> 00:40:16,440 Speaker 1: that question. 903 00:40:17,120 --> 00:40:19,440 Speaker 2: Yeah, I'm actually reading through it, just making sure, just 904 00:40:19,480 --> 00:40:21,680 Speaker 2: making sure. Oh, the last one was, well you kind 905 00:40:21,680 --> 00:40:23,400 Speaker 2: of already answered this while you manage it yourself or 906 00:40:23,440 --> 00:40:24,520 Speaker 2: hire a property manager. 907 00:40:25,080 --> 00:40:27,000 Speaker 1: So at first I think, yeah, I think at first 908 00:40:27,040 --> 00:40:29,560 Speaker 1: we're gonna have well, I think. So I was speaking 909 00:40:29,600 --> 00:40:32,640 Speaker 1: to a friend of mine and he said, he there's a. 910 00:40:33,680 --> 00:40:36,360 Speaker 1: He's going to manage the property, the physical property himself. 911 00:40:36,560 --> 00:40:39,440 Speaker 1: But as far as collecting the rent, we're going to 912 00:40:39,640 --> 00:40:43,280 Speaker 1: hire likely hire a company to collect the rent because 913 00:40:43,800 --> 00:40:46,880 Speaker 1: they'll pay to this company, and if they are a 914 00:40:46,880 --> 00:40:50,640 Speaker 1: certain number of days late, this company triggers, like, you know, 915 00:40:50,680 --> 00:40:53,919 Speaker 1: the eviction process, because I don't want people to come 916 00:40:54,040 --> 00:40:56,680 Speaker 1: personally to us and say, oh, I'm so sorry, I'm late. 917 00:40:56,680 --> 00:40:57,680 Speaker 3: It's because no, no, no, no. 918 00:40:58,160 --> 00:41:01,520 Speaker 1: That's a very impersonal part of the process, the financial part. 919 00:41:01,680 --> 00:41:04,480 Speaker 1: But as far as keeping up the physical property, he'll 920 00:41:04,480 --> 00:41:07,440 Speaker 1: do it until we have maybe like two or three 921 00:41:07,480 --> 00:41:10,240 Speaker 1: and then you know, maybe hiring some like property manager, 922 00:41:10,280 --> 00:41:14,399 Speaker 1: maybe depending on whether he wants to continue. But that's 923 00:41:14,440 --> 00:41:16,720 Speaker 1: how in my mind, that's how I'd like to proceed forward. 924 00:41:16,800 --> 00:41:19,800 Speaker 1: That he takes care of the physical, but the financial 925 00:41:19,800 --> 00:41:20,919 Speaker 1: we have somebody doing that. 926 00:41:21,680 --> 00:41:25,000 Speaker 2: And how did you arrive at the goal of having 927 00:41:25,040 --> 00:41:29,160 Speaker 2: a property guest generating at least one thousand dollars? How 928 00:41:29,160 --> 00:41:30,799 Speaker 2: did that become the benchmark? 929 00:41:31,520 --> 00:41:32,839 Speaker 1: I don't know. I just said it. I just said, 930 00:41:32,880 --> 00:41:34,680 Speaker 1: you know, I want to make at least about you know, 931 00:41:35,040 --> 00:41:37,000 Speaker 1: because I thought to myself, I know how much Superman 932 00:41:37,120 --> 00:41:41,400 Speaker 1: makes a month, and I thought to myself, Okay, this 933 00:41:41,480 --> 00:41:44,120 Speaker 1: would make this would make sense, This would make a 934 00:41:44,160 --> 00:41:48,440 Speaker 1: significant boost for him, you know. So I'm like, okay, 935 00:41:48,440 --> 00:41:50,600 Speaker 1: if we do that, then then I cause really I 936 00:41:50,640 --> 00:41:52,480 Speaker 1: did the math of how many properties like this do 937 00:41:52,560 --> 00:41:55,640 Speaker 1: we need before if he wanted to quit, he could 938 00:41:55,800 --> 00:41:57,960 Speaker 1: not that he will, you know, but if he wanted 939 00:41:58,000 --> 00:42:00,319 Speaker 1: to quit, and so I was like, okay, so by 940 00:42:00,360 --> 00:42:02,239 Speaker 1: the time we get to like three or four properties, 941 00:42:02,280 --> 00:42:05,359 Speaker 1: you know, he's if he doesn't want to, you know, 942 00:42:05,760 --> 00:42:08,040 Speaker 1: work for where he works anymore, he can and if 943 00:42:08,040 --> 00:42:11,279 Speaker 1: he does, he has double his income coming in, you know. 944 00:42:11,360 --> 00:42:13,640 Speaker 1: So that's how I kind of came to that conclusion 945 00:42:13,680 --> 00:42:17,040 Speaker 1: because I in my mind, a thousand dollars just seems like, Okay, 946 00:42:17,040 --> 00:42:19,000 Speaker 1: that seems like because I'm in two three hundred, it's 947 00:42:19,040 --> 00:42:21,520 Speaker 1: like that's a lot of work a month, you know, 948 00:42:21,600 --> 00:42:24,239 Speaker 1: potentially for two or three hundred dollars. So in my mind, 949 00:42:24,239 --> 00:42:27,120 Speaker 1: a thousand just seems like it's worth it to go through, 950 00:42:27,200 --> 00:42:29,440 Speaker 1: like you know, fixing things and things break. 951 00:42:31,120 --> 00:42:34,120 Speaker 2: Yeah, that's all exciting. Well you're gonna I'm gonna learn 952 00:42:34,239 --> 00:42:36,600 Speaker 2: drough you like everyone else is. Because I've been skirting 953 00:42:36,640 --> 00:42:39,040 Speaker 2: around the idea of getting an investment property. The problem 954 00:42:39,080 --> 00:42:41,480 Speaker 2: with us is that I want an investment property, but 955 00:42:42,080 --> 00:42:45,200 Speaker 2: Fancee Bou wants a house, and it's just sort of 956 00:42:45,239 --> 00:42:48,040 Speaker 2: like which comes first, And I'm I'm actually pushing to 957 00:42:48,040 --> 00:42:50,799 Speaker 2: buy something in Atlanta. That's my sort of type dream 958 00:42:50,840 --> 00:42:52,800 Speaker 2: because I know it's up, and I mean it's already coming, 959 00:42:52,840 --> 00:42:55,800 Speaker 2: but it's there are some areas that are definitely you 960 00:42:55,840 --> 00:42:59,640 Speaker 2: can still find great deals on single family homes in Atlanta, 961 00:42:59,719 --> 00:43:01,920 Speaker 2: and I'm just I really want to just snap one up. 962 00:43:01,960 --> 00:43:04,719 Speaker 2: It seems like, you know, it seems like a smart 963 00:43:04,719 --> 00:43:06,200 Speaker 2: thing to do. I mean, my little brother could just 964 00:43:06,280 --> 00:43:07,399 Speaker 2: live there if I wanted him to. 965 00:43:07,680 --> 00:43:09,799 Speaker 1: Exactly, and I would say, go for at least a 966 00:43:09,880 --> 00:43:13,560 Speaker 1: two family because here's why two family is not that difficult. 967 00:43:13,600 --> 00:43:15,919 Speaker 1: Like people think to themselves, Oh it's too much work 968 00:43:15,960 --> 00:43:19,120 Speaker 1: to upkeep it thinks yeah, or just like you know, 969 00:43:19,160 --> 00:43:21,560 Speaker 1: sometimes you just sometimes the two families like one on 970 00:43:21,600 --> 00:43:25,120 Speaker 1: top of each other. Sometimes you're side by side. And 971 00:43:25,239 --> 00:43:28,000 Speaker 1: even like if for your first home, like if we 972 00:43:28,080 --> 00:43:30,879 Speaker 1: haven't decided, it depends where the area is if we're 973 00:43:30,880 --> 00:43:31,440 Speaker 1: going to live in it. 974 00:43:31,440 --> 00:43:33,000 Speaker 3: If it's in a decent area, we will. 975 00:43:33,080 --> 00:43:37,080 Speaker 1: If it's not then we won't because I'm not trying 976 00:43:37,120 --> 00:43:39,840 Speaker 1: to live someplace where I don't feel safe. But it 977 00:43:39,880 --> 00:43:44,600 Speaker 1: doesn't mean it's a difference. But I say at least 978 00:43:44,640 --> 00:43:46,759 Speaker 1: the two family because at the very least, you know, 979 00:43:46,880 --> 00:43:48,839 Speaker 1: if your first home that you buy together, you get 980 00:43:48,840 --> 00:43:51,560 Speaker 1: a two family one, you get to learn the ropes 981 00:43:51,800 --> 00:43:54,319 Speaker 1: without overtaxing yourself about because you know this is right 982 00:43:54,360 --> 00:43:56,239 Speaker 1: next door to you. You're like, Okay, things need to 983 00:43:56,239 --> 00:43:59,040 Speaker 1: be fixed. We're here, you know, like the boiler breaks. 984 00:43:59,400 --> 00:44:01,800 Speaker 2: We don't have to challenge. Just if I buy in Atlanta, 985 00:44:01,840 --> 00:44:03,879 Speaker 2: I won't be there. I'd be trusted you take care 986 00:44:03,920 --> 00:44:04,160 Speaker 2: of it. 987 00:44:04,600 --> 00:44:07,200 Speaker 1: This is true. And so it's easier too, I mean, 988 00:44:07,239 --> 00:44:09,279 Speaker 1: and just knowing like how many like rooms, So we're 989 00:44:09,280 --> 00:44:14,479 Speaker 1: looking for obviously at the very least two bedrooms a unit, 990 00:44:14,760 --> 00:44:18,120 Speaker 1: ideally three, just because you can get more, you know, 991 00:44:18,440 --> 00:44:22,040 Speaker 1: more rent that way. Yeah. And it's a look about 992 00:44:22,080 --> 00:44:24,440 Speaker 1: the math because at first I was dead set on 993 00:44:24,480 --> 00:44:27,120 Speaker 1: a four family, but they're very difficult to come by 994 00:44:27,200 --> 00:44:29,799 Speaker 1: in Essex County, very difficult. 995 00:44:29,960 --> 00:44:30,839 Speaker 3: And then when I did the. 996 00:44:30,800 --> 00:44:35,879 Speaker 1: Math, it doesn't a two family could yield fifteen hundred 997 00:44:36,200 --> 00:44:38,239 Speaker 1: in a four family can yield fifteen hundred, but for 998 00:44:38,320 --> 00:44:40,960 Speaker 1: more work. So if you do the math of you know, 999 00:44:41,000 --> 00:44:44,239 Speaker 1: and there's a great website like homes dot com that's 1000 00:44:44,280 --> 00:44:46,520 Speaker 1: what I've been using. You can look up the property 1001 00:44:46,560 --> 00:44:48,959 Speaker 1: that you're interested in. Like usually my real estate agent 1002 00:44:48,960 --> 00:44:50,440 Speaker 1: will send me a property, but I'll look it up 1003 00:44:50,480 --> 00:44:53,680 Speaker 1: at homes and homes will actually tell you this is 1004 00:44:53,719 --> 00:44:56,319 Speaker 1: a tax rate for that area. This is how much 1005 00:44:56,360 --> 00:44:58,640 Speaker 1: if you put down a certain percentage. This is how 1006 00:44:58,719 --> 00:45:02,120 Speaker 1: much your mortgage is gonna be with taxes insurance even PMI. 1007 00:45:02,640 --> 00:45:04,640 Speaker 1: PMI is an insurance that you have to pay if 1008 00:45:04,640 --> 00:45:07,080 Speaker 1: you don't put down at least twenty percent and this 1009 00:45:07,120 --> 00:45:08,440 Speaker 1: is what you're gonna have to pay. So you can 1010 00:45:08,520 --> 00:45:11,279 Speaker 1: actually see what your mortgage is gonna be. So that 1011 00:45:11,320 --> 00:45:13,200 Speaker 1: way I can now do the math. I'm like, okay, 1012 00:45:13,239 --> 00:45:15,360 Speaker 1: my mortgage is gonna be this, And then on that 1013 00:45:15,480 --> 00:45:17,919 Speaker 1: site for that property it say it'll say unit one, 1014 00:45:18,600 --> 00:45:21,160 Speaker 1: it's already rented at one thousand dollars a month, Unit two, 1015 00:45:21,239 --> 00:45:24,640 Speaker 1: one thousand, Unit three six hundred. Okay, So if your 1016 00:45:25,120 --> 00:45:28,319 Speaker 1: mortgage with everything included is a thousand, and all the 1017 00:45:28,400 --> 00:45:31,680 Speaker 1: units collectively are running for renting for twenty six hundred, 1018 00:45:31,880 --> 00:45:33,920 Speaker 1: that's a thousand, six hundred, so I can quickly do 1019 00:45:34,000 --> 00:45:36,319 Speaker 1: the math on what makes sense. And that's what made 1020 00:45:36,360 --> 00:45:37,839 Speaker 1: me switch from saying I have to have a four 1021 00:45:37,920 --> 00:45:40,000 Speaker 1: family too. You know what, we can make just as 1022 00:45:40,080 --> 00:45:42,759 Speaker 1: much money with the two family if you buy it right. 1023 00:45:44,239 --> 00:45:45,640 Speaker 2: Homes dot com. 1024 00:45:45,760 --> 00:45:48,359 Speaker 1: Yeah, homes dot com is super simple. Just yeah. So 1025 00:45:48,400 --> 00:45:50,719 Speaker 1: I want everybody to be wealthy. I'm telling you, I'm like, 1026 00:45:50,719 --> 00:45:51,920 Speaker 1: stick with me, kiddy, You're gonna be. 1027 00:45:51,960 --> 00:45:53,440 Speaker 2: It's gonna be the gospel now as soon as you 1028 00:45:53,480 --> 00:45:54,800 Speaker 2: start doing it to be Like, let me tell you 1029 00:45:54,800 --> 00:45:55,680 Speaker 2: about real estate investing. 1030 00:45:57,360 --> 00:45:58,759 Speaker 1: I know, I just you know what it is is 1031 00:45:58,800 --> 00:46:02,200 Speaker 1: that investing can I'm not gonna lie. Socks still scare 1032 00:46:02,239 --> 00:46:05,759 Speaker 1: the heck out of me still, and it just I 1033 00:46:05,840 --> 00:46:07,880 Speaker 1: just don't get it. I'm you know, like, although I 1034 00:46:07,920 --> 00:46:10,719 Speaker 1: teach financial education, I'm always really transparent that I don't 1035 00:46:10,719 --> 00:46:12,560 Speaker 1: know what the heck I'm talking about when it comes 1036 00:46:12,560 --> 00:46:15,200 Speaker 1: to stocks, but when it comes to you know, owning 1037 00:46:15,239 --> 00:46:17,680 Speaker 1: a business, obviously this is what I do. And then 1038 00:46:17,880 --> 00:46:20,960 Speaker 1: real estate it's tangible to me, so I can understand 1039 00:46:21,000 --> 00:46:23,480 Speaker 1: it more So, I always say, if you're gonna invest, 1040 00:46:23,560 --> 00:46:26,440 Speaker 1: invest in what you are willing to seek knowledge in 1041 00:46:26,600 --> 00:46:28,719 Speaker 1: and what you can learn to understand. 1042 00:46:29,000 --> 00:46:31,080 Speaker 2: And even if you don't get it, try to get it, 1043 00:46:31,160 --> 00:46:32,880 Speaker 2: because you know it's you don't want to be in 1044 00:46:32,880 --> 00:46:35,080 Speaker 2: a situation where you're going in, especially if you're buying 1045 00:46:35,120 --> 00:46:37,520 Speaker 2: it with a partner or spouse where they know everything, 1046 00:46:37,520 --> 00:46:40,080 Speaker 2: but then you don't and then something happens to them, 1047 00:46:40,239 --> 00:46:41,719 Speaker 2: you know, or you break up and then you're kind 1048 00:46:41,719 --> 00:46:43,080 Speaker 2: of like out in the cold, or you don't know 1049 00:46:43,120 --> 00:46:53,839 Speaker 2: what to do. I think it's funny too. That's there 1050 00:46:53,880 --> 00:46:57,239 Speaker 2: are your approach, Superman. You know, early on opening up 1051 00:46:57,320 --> 00:47:02,439 Speaker 2: that tribal account quote unquote fiance bou it was it 1052 00:47:02,719 --> 00:47:05,799 Speaker 2: was or very early on letting him know how much 1053 00:47:05,840 --> 00:47:08,080 Speaker 2: I hated debt and just had it and hated it 1054 00:47:08,160 --> 00:47:11,120 Speaker 2: and like, M yeah, that credit credit, the student debt. 1055 00:47:11,120 --> 00:47:12,680 Speaker 2: I was fine with the credit card debt, you know, 1056 00:47:12,719 --> 00:47:15,000 Speaker 2: I was worried about and I wasn't like naggy about it. 1057 00:47:15,040 --> 00:47:19,719 Speaker 2: But he got the message and where he was more 1058 00:47:19,760 --> 00:47:22,359 Speaker 2: comfortable using credit for a lot of things that you 1059 00:47:22,400 --> 00:47:26,799 Speaker 2: saw that slowly, slowly, slowly solution. And you know, I 1060 00:47:27,160 --> 00:47:29,200 Speaker 2: and before we got engaged, I was I made sure. 1061 00:47:29,239 --> 00:47:31,000 Speaker 2: I was like, I do not want you going into 1062 00:47:31,000 --> 00:47:33,400 Speaker 2: debt for this engagement ring you you know, save. I 1063 00:47:33,440 --> 00:47:36,720 Speaker 2: was like, you know, open this Capital one three sixty account, 1064 00:47:36,840 --> 00:47:39,680 Speaker 2: you know, and start, you know, suggesting that's a good 1065 00:47:39,680 --> 00:47:41,600 Speaker 2: place to save and save a little beat each month 1066 00:47:41,640 --> 00:47:43,920 Speaker 2: and auto deposit, and like when you bought the ring, 1067 00:47:44,000 --> 00:47:46,720 Speaker 2: I felt really good because I knew he wasn't putting 1068 00:47:46,800 --> 00:47:48,560 Speaker 2: himself in debt, because I always had it in my mind, 1069 00:47:48,560 --> 00:47:50,520 Speaker 2: I'm going to marry him. His debt's my debt. 1070 00:47:50,560 --> 00:47:53,600 Speaker 1: I don't want his debt exactly. It's so funny we're 1071 00:47:53,640 --> 00:47:55,200 Speaker 1: so much alike in that way because same thing. I 1072 00:47:55,280 --> 00:47:58,040 Speaker 1: was like, you know, Superman, you know, don't I want 1073 00:47:58,080 --> 00:47:59,719 Speaker 1: you to pay cash if you're gonna get this ring? 1074 00:47:59,880 --> 00:48:01,919 Speaker 1: And I was just so proud. I heard him bragg 1075 00:48:01,920 --> 00:48:04,440 Speaker 1: into one of his boys, like on the phone, like 1076 00:48:04,520 --> 00:48:07,000 Speaker 1: I guess his boy's gonna ask this girl to marry him. 1077 00:48:07,400 --> 00:48:09,480 Speaker 3: And the guy was saying how. 1078 00:48:09,360 --> 00:48:12,719 Speaker 1: He's like what, na, man, don't finance just say it. 1079 00:48:12,760 --> 00:48:14,600 Speaker 1: That's what I did. I stayed and I brought it 1080 00:48:14,640 --> 00:48:19,480 Speaker 1: him food. I was like, yes, I'm mean bragging, Like 1081 00:48:19,520 --> 00:48:21,440 Speaker 1: what you need to do is because my biggest thing 1082 00:48:21,520 --> 00:48:24,160 Speaker 1: is allocation that whenever I get paid anything, I allocate 1083 00:48:24,200 --> 00:48:28,400 Speaker 1: my funds twenty five percent for saving and investing and retirement, 1084 00:48:28,440 --> 00:48:31,440 Speaker 1: twenty five percent for taxes, five percent for travel, ten 1085 00:48:31,440 --> 00:48:34,120 Speaker 1: percent forgiving. So whenever I get paid, I'm always like, oh, 1086 00:48:34,120 --> 00:48:36,160 Speaker 1: I'm gonna go upstands, baby, I'm gonna do some allocating. 1087 00:48:36,680 --> 00:48:38,960 Speaker 1: And so like to hear him like reiterate that with 1088 00:48:39,040 --> 00:48:42,200 Speaker 1: like his brother and his friends, like you need to allocate, 1089 00:48:42,640 --> 00:48:44,680 Speaker 1: you know, I'm gonna sit down to show you, and 1090 00:48:44,719 --> 00:48:46,520 Speaker 1: I'm like, I'm look, who's the budget needs to in 1091 00:48:46,560 --> 00:48:50,480 Speaker 1: your friends' lives? You know? But yeah, like having the 1092 00:48:50,560 --> 00:48:53,600 Speaker 1: right person, they like me. Yeah, I ain't know right, 1093 00:48:53,600 --> 00:48:55,160 Speaker 1: I was just thinking that, but I wasn't gonna say 1094 00:48:55,160 --> 00:48:58,279 Speaker 1: it's like they are, but honestly having the right person though, 1095 00:48:58,520 --> 00:49:00,719 Speaker 1: my sister told me that my sister's married, I don't know, 1096 00:49:00,800 --> 00:49:03,480 Speaker 1: five years now, and her and her husband, and her 1097 00:49:03,560 --> 00:49:06,239 Speaker 1: husband is a doctor and she's a scientist. So they 1098 00:49:06,239 --> 00:49:11,280 Speaker 1: make heligwop and but they live off of one whole income. 1099 00:49:11,360 --> 00:49:14,240 Speaker 1: I mean collectively, they save like over one hundred thousand 1100 00:49:14,239 --> 00:49:16,719 Speaker 1: dollars a year, one hundred thousand dollars. She's like, yeah, 1101 00:49:16,800 --> 00:49:19,440 Speaker 1: I think we're gonna buy our house in cash in cash. 1102 00:49:19,560 --> 00:49:22,279 Speaker 1: People think I'll bludge and the stuff like it really 1103 00:49:22,320 --> 00:49:25,279 Speaker 1: does run in the family and so and she said, like, 1104 00:49:25,320 --> 00:49:27,879 Speaker 1: I mean, my sister drives, like you know, her car 1105 00:49:27,960 --> 00:49:30,400 Speaker 1: is not terrible, but she paid for it in cash. 1106 00:49:30,480 --> 00:49:32,279 Speaker 1: But it's not a brand new car. And you would 1107 00:49:32,360 --> 00:49:37,160 Speaker 1: never think scientists and doctor you know, they live simply 1108 00:49:37,239 --> 00:49:40,480 Speaker 1: a nice apartment, but simply right outside of Chicago. And 1109 00:49:40,719 --> 00:49:43,319 Speaker 1: what I love is that, she said. She's like, you know, 1110 00:49:43,800 --> 00:49:46,440 Speaker 1: be very mindful of who you pick in all aspects. 1111 00:49:46,480 --> 00:49:49,600 Speaker 1: So you want to be spiritually aligned. You want to 1112 00:49:49,640 --> 00:49:51,640 Speaker 1: be you know, like you know, aligned as far as 1113 00:49:51,680 --> 00:49:53,560 Speaker 1: like what you like to do, but you also want 1114 00:49:53,560 --> 00:49:56,560 Speaker 1: to be aligned financially. She's like, because he and I 1115 00:49:56,680 --> 00:49:58,719 Speaker 1: were able to talk, not to say that you're the 1116 00:49:58,760 --> 00:50:02,719 Speaker 1: person that you're with has to and have perfect finances, 1117 00:50:03,040 --> 00:50:05,360 Speaker 1: but you have to be on the same page for 1118 00:50:05,560 --> 00:50:07,959 Speaker 1: wanting better. They might not know how to get there, 1119 00:50:08,360 --> 00:50:11,000 Speaker 1: but they have to want better. And so Superman was 1120 00:50:11,360 --> 00:50:14,120 Speaker 1: not terrible financially, but he certainly wasn't great, but he 1121 00:50:14,200 --> 00:50:16,279 Speaker 1: just didn't know like, oh this is how you go 1122 00:50:16,360 --> 00:50:18,960 Speaker 1: about that I didn't realize. And so yeah, so just 1123 00:50:19,000 --> 00:50:22,160 Speaker 1: having that because it's just gonna make all the difference. Like, honestly, Mandy, 1124 00:50:22,200 --> 00:50:24,920 Speaker 1: I want to be I'm thirty seven. I want to 1125 00:50:24,960 --> 00:50:27,160 Speaker 1: be told him, I'm like, you know, I want our 1126 00:50:27,200 --> 00:50:29,279 Speaker 1: net worth to be well over a million dollars by 1127 00:50:29,280 --> 00:50:31,879 Speaker 1: the time we're forty, and not for the million dollars stake, 1128 00:50:31,960 --> 00:50:34,880 Speaker 1: but so we can be a beacon for our families. 1129 00:50:34,920 --> 00:50:38,360 Speaker 3: You know, his family for a long time struggled, and. 1130 00:50:38,160 --> 00:50:40,479 Speaker 1: I said, wouldn't it be great if you're able to say, 1131 00:50:40,520 --> 00:50:43,000 Speaker 1: you know, I can pay for my nephew's college fund, 1132 00:50:43,000 --> 00:50:45,560 Speaker 1: don't worry about it, or like when he graduates high school, 1133 00:50:45,719 --> 00:50:48,400 Speaker 1: I got his first car, or like, you know, if 1134 00:50:48,440 --> 00:50:50,880 Speaker 1: somebody needs something, we are here to be able to 1135 00:50:50,880 --> 00:50:53,080 Speaker 1: provide it because we both are really simple. And so 1136 00:50:53,440 --> 00:50:56,320 Speaker 1: that's really what the money means to me. It means 1137 00:50:56,320 --> 00:50:59,680 Speaker 1: that I'll be able to really be of help to 1138 00:50:59,719 --> 00:51:02,760 Speaker 1: those people are really care about that. If a financial 1139 00:51:02,760 --> 00:51:06,400 Speaker 1: situation arises, then I can say, Okay, you know, I 1140 00:51:06,400 --> 00:51:08,279 Speaker 1: don't I might not have it all, but I've got 1141 00:51:08,400 --> 00:51:12,040 Speaker 1: enough that we don't have to worry. 1142 00:51:12,239 --> 00:51:13,719 Speaker 2: Heymen's sister friend. 1143 00:51:14,239 --> 00:51:15,279 Speaker 1: I know I thought a lot of it. 1144 00:51:16,000 --> 00:51:22,560 Speaker 2: This is a Tiffany show. Actually, it's just I felt 1145 00:51:22,560 --> 00:51:24,440 Speaker 2: like I was sitting around the horst. Just listen to it, 1146 00:51:24,680 --> 00:51:27,439 Speaker 2: listen to Tiff tell stories. Well, we only have time 1147 00:51:27,480 --> 00:51:29,440 Speaker 2: probably just for wins, because I have to run. I'm 1148 00:51:29,480 --> 00:51:32,320 Speaker 2: actually hosting. I'm not hosting, giving myself a bigger title, 1149 00:51:32,800 --> 00:51:35,239 Speaker 2: but my best friends having engagement party tonight because that's 1150 00:51:35,280 --> 00:51:41,160 Speaker 2: what everyone's doing. So she's actually planning my bridal shower bachelorette, 1151 00:51:41,160 --> 00:51:42,960 Speaker 2: and then I've been helping her with their engagement party. 1152 00:51:43,040 --> 00:51:46,160 Speaker 2: So it's just it's just all happiness, okay, But yeah, 1153 00:51:46,160 --> 00:51:47,480 Speaker 2: I have to go pick up her dessert. And I 1154 00:51:47,480 --> 00:51:50,200 Speaker 2: think I did a damn good job. I just got 1155 00:51:50,200 --> 00:51:52,239 Speaker 2: five dozen cupcakes and I got them to put their 1156 00:51:52,280 --> 00:51:56,040 Speaker 2: faces on them, like Georgetown cupcakes. A good cupcakes. 1157 00:51:56,200 --> 00:51:58,279 Speaker 1: Oh I'm not trying to think. Have I had one? 1158 00:51:58,560 --> 00:52:00,640 Speaker 2: Okay, but you need to get thee there. They're so 1159 00:52:00,840 --> 00:52:02,000 Speaker 2: good there. 1160 00:52:03,200 --> 00:52:05,239 Speaker 1: What's your win? Is that your win? No? 1161 00:52:06,160 --> 00:52:07,200 Speaker 2: What was my wing going to be? 1162 00:52:07,360 --> 00:52:07,560 Speaker 1: Oh? 1163 00:52:07,600 --> 00:52:07,960 Speaker 2: My win? 1164 00:52:08,080 --> 00:52:08,239 Speaker 1: Oh? 1165 00:52:08,320 --> 00:52:10,920 Speaker 2: I finally I made my second higher. I hired a 1166 00:52:10,920 --> 00:52:13,000 Speaker 2: new reporter this week and he just started and I 1167 00:52:13,080 --> 00:52:15,440 Speaker 2: was really really afraid because he's like two and a 1168 00:52:15,480 --> 00:52:19,400 Speaker 2: half times my age and it's my first it's my 1169 00:52:19,400 --> 00:52:21,200 Speaker 2: first time as a manager in general. But you know, 1170 00:52:21,200 --> 00:52:23,799 Speaker 2: my first reporter is younger, and you know that's it's 1171 00:52:23,880 --> 00:52:25,879 Speaker 2: just it feels a little bit more natural. But it's 1172 00:52:25,880 --> 00:52:28,200 Speaker 2: my first time working with someone who has way more 1173 00:52:29,160 --> 00:52:32,160 Speaker 2: just older, but he also has way more experience than me, 1174 00:52:32,320 --> 00:52:34,759 Speaker 2: which is why I picked him as a higher But 1175 00:52:35,920 --> 00:52:39,200 Speaker 2: he started and saying he's great, and he's really he's 1176 00:52:39,239 --> 00:52:42,840 Speaker 2: going to be, you know, awesome reporting some excellent personal 1177 00:52:42,880 --> 00:52:48,040 Speaker 2: finance investigative stuff for Magnified Money. So I guess that's 1178 00:52:48,080 --> 00:52:50,279 Speaker 2: my win, just taking that, you know, not letting my 1179 00:52:50,320 --> 00:52:52,520 Speaker 2: own insecurity as a manager sort of get in the 1180 00:52:52,520 --> 00:52:54,759 Speaker 2: way of hiring who I think could be one of 1181 00:52:54,800 --> 00:52:55,320 Speaker 2: the best. 1182 00:52:56,360 --> 00:52:58,600 Speaker 1: Look at boss lady. I'm gonna call you boss lady. 1183 00:52:58,360 --> 00:53:03,560 Speaker 2: Mandy, I'm his first thing. I'm like, an, here's everything 1184 00:53:03,560 --> 00:53:05,080 Speaker 2: I want to do, Thank you very much. By I'm 1185 00:53:05,080 --> 00:53:07,920 Speaker 2: really naturally all that worry, you. 1186 00:53:07,960 --> 00:53:09,319 Speaker 1: Know, right, You're like, I don't know if I'm gonna 1187 00:53:09,320 --> 00:53:14,200 Speaker 1: be able to hello you over here now, oh wait, no, 1188 00:53:14,360 --> 00:53:16,160 Speaker 1: that's dope. Though I could see you as like a 1189 00:53:16,200 --> 00:53:18,560 Speaker 1: good boss, so I see you as you know. It's 1190 00:53:18,560 --> 00:53:20,759 Speaker 1: so weird. It's not like when we're on the phone 1191 00:53:20,760 --> 00:53:23,640 Speaker 1: because sometimes Mandy and I are professional. Worlds collide, you know, 1192 00:53:23,719 --> 00:53:25,960 Speaker 1: like outside of this and then we're on the phone, 1193 00:53:26,280 --> 00:53:28,560 Speaker 1: like when we had the phone conversation like me, you 1194 00:53:28,600 --> 00:53:31,560 Speaker 1: magnify money and my COO like I was so waiting, 1195 00:53:31,719 --> 00:53:34,000 Speaker 1: like it took everything for me not to be like 1196 00:53:34,000 --> 00:53:37,080 Speaker 1: hey girl, Mandy even though I because I'm so used 1197 00:53:37,080 --> 00:53:38,840 Speaker 1: to that side, and Manny was very like, yes, this 1198 00:53:38,920 --> 00:53:41,360 Speaker 1: is done. Yes, that's been completed. Again, I'm like, who's that. 1199 00:53:41,920 --> 00:53:44,160 Speaker 1: Oh that's right, this is good. No, it was good. 1200 00:53:44,400 --> 00:53:48,240 Speaker 1: But it's just so crazy to see like the other side, like, oh, 1201 00:53:48,320 --> 00:53:51,760 Speaker 1: Manny's she's professional me while I'm over there like hey. 1202 00:53:51,800 --> 00:53:57,120 Speaker 2: Yeah, girl, you and nick I know you and girl 1203 00:53:57,160 --> 00:53:59,040 Speaker 2: left alone, don't. 1204 00:53:58,800 --> 00:54:00,520 Speaker 1: You forget it? Me and nick I was like, let's 1205 00:54:00,520 --> 00:54:02,919 Speaker 1: just get off the phone. I'm just I'm gonna hang up. Yeah, 1206 00:54:03,040 --> 00:54:05,640 Speaker 1: we're That's why we have the Manni's in the Sierra's 1207 00:54:05,640 --> 00:54:08,240 Speaker 1: because Sierra reminds me so much of you, my coeo, 1208 00:54:08,840 --> 00:54:11,680 Speaker 1: Like she is like about that business, like, Okay, this 1209 00:54:11,760 --> 00:54:12,040 Speaker 1: is done. 1210 00:54:12,120 --> 00:54:13,600 Speaker 3: Okay, guys, talk to you later. 1211 00:54:13,840 --> 00:54:16,760 Speaker 1: I said, look at this, so yeah, you guys allow 1212 00:54:16,920 --> 00:54:18,480 Speaker 1: us to be the creatives that we are. 1213 00:54:18,760 --> 00:54:21,080 Speaker 2: Yeah, I'm excited to talk more about the partnership too, 1214 00:54:21,200 --> 00:54:24,120 Speaker 2: maybe honest on the next podcast, because it's launching where 1215 00:54:24,360 --> 00:54:26,520 Speaker 2: you're You're starting next week right with the Livery. 1216 00:54:26,520 --> 00:54:28,120 Speaker 1: Challenge, so it's perfect timing. 1217 00:54:28,960 --> 00:54:30,839 Speaker 2: So we'll tell you guys more about that next week. 1218 00:54:30,840 --> 00:54:35,520 Speaker 2: About the exciting the excitings Magnify, Money Slash, Budget Nesta 1219 00:54:36,360 --> 00:54:37,440 Speaker 2: mostly Budgetiesta Part. 1220 00:54:38,600 --> 00:54:41,479 Speaker 1: Well, I'm gonna my my quick win is that I'm 1221 00:54:41,480 --> 00:54:44,480 Speaker 1: always looking for a new podcast and sometimes, you know you, 1222 00:54:44,680 --> 00:54:45,960 Speaker 1: some of them are great and some of them are not. 1223 00:54:46,160 --> 00:54:48,560 Speaker 1: So I listened to Tim Farissist podcast, so I love 1224 00:54:48,600 --> 00:54:52,560 Speaker 1: his book The Four Hour work Week and hate his podcast. 1225 00:54:52,680 --> 00:54:56,200 Speaker 1: Sorry Tim, me too, thank you. It is the world. 1226 00:54:56,200 --> 00:54:58,320 Speaker 1: I'm like, what is happening? It's so boying. 1227 00:54:58,800 --> 00:55:01,919 Speaker 2: I hate a lot of the the popular business ones. 1228 00:55:01,960 --> 00:55:02,880 Speaker 2: I don't know, I. 1229 00:55:02,880 --> 00:55:05,440 Speaker 1: Don't know what it was the worst, But I did 1230 00:55:05,480 --> 00:55:08,719 Speaker 1: find one that I did like. It's called Making Oprah, 1231 00:55:09,600 --> 00:55:13,080 Speaker 1: and it's just a three part series podcast where they 1232 00:55:13,160 --> 00:55:15,440 Speaker 1: kind of like bring you from the beginning and when 1233 00:55:15,480 --> 00:55:17,200 Speaker 1: she first started to like how to her you know, 1234 00:55:17,200 --> 00:55:20,760 Speaker 1: obviously her her rise to fame and wealth and fortune 1235 00:55:20,800 --> 00:55:23,200 Speaker 1: and all that kind of stuff. But it's like really interesting. 1236 00:55:23,200 --> 00:55:25,680 Speaker 1: They actually get a chance to interview Oprah and those 1237 00:55:25,680 --> 00:55:27,520 Speaker 1: people who were there first working with her from the 1238 00:55:27,640 --> 00:55:29,880 Speaker 1: very beginning. So if you're just looking for like a 1239 00:55:29,960 --> 00:55:32,560 Speaker 1: quick it's like it's it's just a three part series 1240 00:55:33,200 --> 00:55:35,400 Speaker 1: making Oprah. So that's my win because I'm sold. 1241 00:55:35,960 --> 00:55:38,759 Speaker 2: Yeah, I'm miss her. I know, I don't get the 1242 00:55:38,800 --> 00:55:40,520 Speaker 2: own network. I don't see her anymore. 1243 00:55:41,040 --> 00:55:44,319 Speaker 1: Really, you know, I don't really watch TV much. But yeah, 1244 00:55:44,320 --> 00:55:45,799 Speaker 1: so that's my win because I was like, yes, I 1245 00:55:45,840 --> 00:55:47,920 Speaker 1: was listening to it today, like, yes, this is good, 1246 00:55:48,000 --> 00:55:50,760 Speaker 1: especially off the heels of the terrible Tim Ferris podcast. 1247 00:55:51,200 --> 00:55:53,359 Speaker 1: I'm sorry, I mean, and I love the four hour 1248 00:55:53,360 --> 00:55:56,640 Speaker 1: work where you I love his blog, but honestly, I'm like, brother, 1249 00:55:56,719 --> 00:55:58,480 Speaker 1: you need some background music something. 1250 00:56:00,719 --> 00:56:02,920 Speaker 2: I mean, different strokes are different folks. That's why it's great. 1251 00:56:02,920 --> 00:56:06,759 Speaker 2: There's so many different flavors of podcasts out there. And 1252 00:56:06,880 --> 00:56:08,799 Speaker 2: you know, I'm glad that you know, we're still on 1253 00:56:08,840 --> 00:56:10,359 Speaker 2: I got to give a shout out to iTunes. Really, 1254 00:56:10,360 --> 00:56:12,840 Speaker 2: we're still on the main iTunes page under their Black 1255 00:56:12,960 --> 00:56:16,480 Speaker 2: Voices in Business category, and that's been up there for 1256 00:56:16,680 --> 00:56:19,360 Speaker 2: months and it's just great that they're taking notice of 1257 00:56:19,560 --> 00:56:22,760 Speaker 2: the fact that people want different voices, you know, same 1258 00:56:22,800 --> 00:56:26,040 Speaker 2: subject but different spins on it and different types. But personally, 1259 00:56:26,080 --> 00:56:28,960 Speaker 2: I don't listen to any personal finance podcasts. I listened to. 1260 00:56:29,520 --> 00:56:32,640 Speaker 2: I love storytelling podcasts. I love all the Ted the 1261 00:56:32,719 --> 00:56:35,520 Speaker 2: Ted Radio Hour podcasts, and I love he just started 1262 00:56:35,560 --> 00:56:38,399 Speaker 2: a new one, guy Guy Raz, who hosts the Ted 1263 00:56:38,480 --> 00:56:41,520 Speaker 2: Radio Hour on NPR. He started a new one called 1264 00:56:41,520 --> 00:56:44,000 Speaker 2: How I Built This, which is similar to kind of 1265 00:56:44,000 --> 00:56:47,040 Speaker 2: what it sounds like the Oprah one is each episode 1266 00:56:47,120 --> 00:56:49,160 Speaker 2: is talking to a different like person who built the 1267 00:56:49,200 --> 00:56:52,600 Speaker 2: company or built the brand. He said, yeah, it's good. 1268 00:56:52,640 --> 00:56:55,200 Speaker 2: He had La Reid, he had the guy who made Airbnb. 1269 00:56:56,080 --> 00:56:58,920 Speaker 2: He had who's the other girl. It was like a 1270 00:56:58,920 --> 00:57:02,760 Speaker 2: cosmetics line that I forget, but really good and really interesting 1271 00:57:02,760 --> 00:57:05,080 Speaker 2: because you get to hear the story behind the company 1272 00:57:05,120 --> 00:57:06,920 Speaker 2: and not just all the splashy like and then I 1273 00:57:07,000 --> 00:57:07,719 Speaker 2: was a billionaire. 1274 00:57:08,719 --> 00:57:10,520 Speaker 1: Okay, I want to listen. I love stuff like that 1275 00:57:10,600 --> 00:57:13,240 Speaker 1: because it gives you hope, like okay, like, oh sometimes 1276 00:57:13,239 --> 00:57:15,320 Speaker 1: it does suck. I'm not just messing up, okay. 1277 00:57:16,400 --> 00:57:18,040 Speaker 2: And for me it's like, hm, maybe I should start 1278 00:57:18,040 --> 00:57:23,000 Speaker 2: a business, but back to my day job, all. 1279 00:57:22,960 --> 00:57:26,280 Speaker 1: Right, I know her like end, it's always awkward, like 1280 00:57:26,400 --> 00:57:27,680 Speaker 1: so yes. 1281 00:57:28,480 --> 00:57:31,959 Speaker 2: It's really fun talking to you same time next week. 1282 00:57:32,040 --> 00:57:33,400 Speaker 1: Yeah yeah I think so. 1283 00:57:33,760 --> 00:57:36,760 Speaker 2: Like I'll call you or you can call me, you know, 1284 00:57:37,040 --> 00:57:37,800 Speaker 2: text whatever. 1285 00:57:39,400 --> 00:57:41,920 Speaker 1: Enjoy your your your bridal shower. 1286 00:57:42,040 --> 00:57:44,360 Speaker 2: And yeah I'm mad I have to go outside. It's 1287 00:57:44,360 --> 00:57:47,200 Speaker 2: too cold for this. Nice this stuff not me. 1288 00:57:47,240 --> 00:57:48,080 Speaker 1: I'm in my pjs. 1289 00:57:49,120 --> 00:57:51,600 Speaker 2: I have a good night. I ran happy shopping for 1290 00:57:51,640 --> 00:57:52,040 Speaker 2: the house. 1291 00:57:52,480 --> 00:57:54,240 Speaker 1: Thank you, okay, bye bye, all right,