WEBVTT - Ep. 64 — Holla, We Want Prenup! 0:00:17.079 --> 0:00:20.159 Welcome to Brown Ambition. We are both finally back in 0:00:20.200 --> 0:00:21.080 the same country. 0:00:21.320 --> 0:00:24.800 Same country. Yes, do you know how far away India is? 0:00:25.520 --> 0:00:27.560 Ah? Yes, isn't it? In like a nineteen hours? I 0:00:27.600 --> 0:00:29.640 forget how far my long life flight was, but it 0:00:29.720 --> 0:00:30.760 was brutal. 0:00:31.000 --> 0:00:34.159 Listen, let me remind you it. My trip home is 0:00:34.200 --> 0:00:37.199 actually longer than the trip there because every flight was 0:00:37.240 --> 0:00:38.960 like an hour and a half longer because I guess 0:00:39.040 --> 0:00:43.760 you're going against the windstream or something scientific. So I 0:00:43.800 --> 0:00:48.680 was traveling for twenty seven hours. What, yes, And that 0:00:48.880 --> 0:00:50.680 was eighteen hours in the air, and then you had 0:00:50.720 --> 0:00:53.400 the hours in between flights and stuff because I had 0:00:53.400 --> 0:00:58.000 two layovers. When I tell you, I was destroyed, Like yeah, 0:00:58.320 --> 0:01:02.120 destroyed because I couldn't sleep, and then by the time 0:01:02.160 --> 0:01:05.040 I got tired, I wanted to force myself to stay 0:01:05.080 --> 0:01:08.240 awake so that when I actually got to JFK, it 0:01:08.280 --> 0:01:09.760 was night time and I could just go to sleep 0:01:09.840 --> 0:01:12.440 so I could get back on a normal sleep schedule. 0:01:12.480 --> 0:01:14.200 But it was so it was so hard. 0:01:14.800 --> 0:01:17.160 Yeah, I think I had straight flights each time, so 0:01:17.200 --> 0:01:19.200 in like nineteen hours. I don't I don't know. Did 0:01:19.240 --> 0:01:19.600 I stop. 0:01:20.880 --> 0:01:21.840 You must have stopped? 0:01:21.840 --> 0:01:22.200 Well, I don't know. 0:01:22.240 --> 0:01:24.000 It depends on where your destination was. I was going 0:01:24.040 --> 0:01:27.880 to like a smaller city in India, so there wasn't 0:01:28.080 --> 0:01:31.160 I had to like, I had to stop a couple 0:01:31.200 --> 0:01:34.040 of times. But anyway, it was an amazing trip. 0:01:34.319 --> 0:01:34.800 It is. 0:01:35.400 --> 0:01:39.480 I digested it. I had a really good time. It 0:01:39.520 --> 0:01:42.679 was the weather was really nice. And now the snow 0:01:42.760 --> 0:01:44.120 is happening right now, and I kind of want to 0:01:44.120 --> 0:01:44.479 go back. 0:01:44.959 --> 0:01:48.040 I'm like, is it it's not snowy in Jersey yet? 0:01:48.240 --> 0:01:50.320 No, way, it was. It was snowing all today. 0:01:50.680 --> 0:01:52.440 Really not at all because I I. 0:01:52.400 --> 0:01:53.840 Mean, I don't think it's sticking, but it was just, 0:01:53.880 --> 0:01:56.000 you know, pretty pretty polite snow. 0:01:57.120 --> 0:02:00.960 So oh so I was speaking with someone and I 0:02:01.000 --> 0:02:02.720 realized because I was like, oh, you know, me and 0:02:04.520 --> 0:02:08.720 Superman will be you know, walking down the court House 0:02:08.840 --> 0:02:11.440 aisle soon. So I wasn't going to sign up for 0:02:11.600 --> 0:02:15.280 health care until I got a gentle reminder. You know, 0:02:15.320 --> 0:02:17.240 healthcare they're like stalkers, but I love them though. The 0:02:17.280 --> 0:02:19.520 Healthcare dog go They call you, they email you, they 0:02:19.520 --> 0:02:22.320 text you, yeah, and they are like that's cute, Tiffany. 0:02:22.360 --> 0:02:23.000 But just know this. 0:02:23.080 --> 0:02:25.240 If you don't sign up by the fifteenth, you're gonna 0:02:25.240 --> 0:02:28.440 be you will not be covered in January. So if 0:02:28.480 --> 0:02:31.880 you like, even if I get married in January, I 0:02:31.919 --> 0:02:34.040 won't be covered. So I'm like, ugh, so but I 0:02:34.040 --> 0:02:35.880 didn't realize that. So that's just something I just wanted 0:02:35.880 --> 0:02:39.079 to put out there because I just assumed that, like, oh, 0:02:40.360 --> 0:02:42.920 you know, I can, I can be covered in January. 0:02:42.960 --> 0:02:44.639 I'll be fine. So if you don't sign up by 0:02:44.800 --> 0:02:49.520 December fifteenth, you will not be covered for health care 0:02:49.639 --> 0:02:52.320 in January. And if you don't sign up by January fifteenth, 0:02:52.400 --> 0:02:54.960 you will not be covered for healthcare in February. And 0:02:55.000 --> 0:02:57.240 by the thirty first of January, if you don't sign up, 0:02:57.280 --> 0:02:58.359 you won't be covered for the year. 0:02:58.880 --> 0:03:03.080 So don't wait. I know, like it's such a pain. 0:03:03.680 --> 0:03:04.880 This is for Obombacare. 0:03:05.360 --> 0:03:07.000 Yes, for Obombacare, I'm sorry. So, like, if you have 0:03:07.040 --> 0:03:09.000 health care at your job and stuff, you know, you know, 0:03:09.120 --> 0:03:11.519 good for you. But for Obamacare, I'm sorry should have 0:03:11.560 --> 0:03:14.920 been but it's just that for us self employed people 0:03:14.960 --> 0:03:17.760 or people who maybe you don't work enough hours in 0:03:17.840 --> 0:03:20.360 order to qualify for healthcare at your job, you know, 0:03:20.720 --> 0:03:24.560 this is you're you're gonna want by the fifteenth to 0:03:25.000 --> 0:03:27.720 you know, to go, So there's this. Have you ever 0:03:27.800 --> 0:03:29.120 used Policy Genius. 0:03:28.800 --> 0:03:31.280 Before, man, Yeah, yeah, I have. Actually I think I 0:03:31.280 --> 0:03:32.119 wrote about them once. 0:03:32.919 --> 0:03:35.880 Yeah, so I I know policy I've only known them 0:03:35.880 --> 0:03:38.119 for they have like some sort of like life insurance thing. 0:03:38.200 --> 0:03:40.760 But I used it to sign up for, or at 0:03:40.800 --> 0:03:43.000 least not to sign up for, but to whittle down 0:03:43.400 --> 0:03:46.240 which healthcare provider I was gonna go with because my 0:03:46.520 --> 0:03:50.160 current one United Healthcare, or at least my current plan 0:03:50.240 --> 0:03:52.360 is phased out, which I'm like, great, I didn't want 0:03:52.360 --> 0:03:54.480 to have to think about it, and so I'm just like, 0:03:54.720 --> 0:03:56.160 so I like that tool, and I know there's some 0:03:56.200 --> 0:03:59.200 other tools you can use, because honestly, healthcare dog of 0:03:59.440 --> 0:04:02.920 I love you, my beautiful black President Obama, but that 0:04:03.040 --> 0:04:06.080 website is a nightmare. And so it's good to find 0:04:06.080 --> 0:04:08.880 a tool that will help you choose without you having 0:04:08.920 --> 0:04:10.960 to like because honestly, every year I just sit on 0:04:10.960 --> 0:04:12.680 the phone with them for two hours and figure it out. 0:04:12.680 --> 0:04:15.480 But with at least a Policy Genius tool, it helped 0:04:15.800 --> 0:04:17.600 me to like plug in what I wanted and then 0:04:17.680 --> 0:04:19.800 kind of spit out three or four. And there's another 0:04:19.839 --> 0:04:22.119 one too, if I can remember, I'll say it later, 0:04:22.240 --> 0:04:23.839 like there's another tool where it kind of does the 0:04:23.880 --> 0:04:24.320 same thing. 0:04:24.800 --> 0:04:27.120 But yeah, I honestly just tell older people like, if 0:04:27.160 --> 0:04:29.880 you don't feel comfortable with technology, I'm like, just call them, 0:04:30.120 --> 0:04:33.200 yeah on the phone, and it's gonna suck. But they 0:04:33.240 --> 0:04:35.200 have healthcare navigators like. 0:04:35.160 --> 0:04:37.679 And they're nice, really nice, are they Okay? 0:04:38.120 --> 0:04:40.280 Yeah? I mean I've called twice, like twice two years 0:04:40.320 --> 0:04:42.520 in a row. I've called and they were you know, 0:04:42.560 --> 0:04:45.480 they were really patient. They walked me through each It's 0:04:45.520 --> 0:04:48.360 just that you literally have to so they're like, so 0:04:48.520 --> 0:04:50.800 let me read you what this plan is, and then 0:04:50.880 --> 0:04:52.000 let me read you with this plan. 0:04:52.080 --> 0:04:53.920 The only problem is that there's so many. 0:04:54.279 --> 0:04:56.040 So that's why I say, I like those tools that 0:04:56.160 --> 0:04:58.480 kind of aggregate the plans for you based upon what 0:04:58.520 --> 0:05:02.000 you need so that way, because it was just so many, 0:05:02.040 --> 0:05:03.880 I just got overwhelm. Because they're reading the plans, I'm like, 0:05:03.880 --> 0:05:05.840 wait what was the other one before that? And then 0:05:05.880 --> 0:05:07.560 wait what was the other one? And so you're on 0:05:07.600 --> 0:05:09.800 the phone with them for a while. But I mean, 0:05:09.839 --> 0:05:12.520 it's if you're older and tech you're not tech savvy, 0:05:12.560 --> 0:05:15.520 then definitely do that. But if you're you are, you know, 0:05:15.560 --> 0:05:17.200 can you can use the computer you don't need to 0:05:17.200 --> 0:05:20.880 be tech savvy for for tools like a like policy genius, 0:05:20.880 --> 0:05:22.880 and there's another one. I'm gonna find it that like 0:05:22.960 --> 0:05:24.479 kind of like I said, you plug in your name, 0:05:24.839 --> 0:05:26.760 your doctor, where you live, that kind of thing, and 0:05:26.800 --> 0:05:30.160 it says, hey, here are six plans that might fit 0:05:30.279 --> 0:05:32.359 you based upon what you want to pay. Is the. 0:05:34.279 --> 0:05:36.280 Ah I frail all America. 0:05:37.200 --> 0:05:37.799 It's I forget. 0:05:37.800 --> 0:05:39.200 I feel like I had a name when rolling it, 0:05:39.279 --> 0:05:40.520 so maybe it wasn't roll America. 0:05:40.560 --> 0:05:43.000 But basically I'm saying use those versus healthcare dot gov 0:05:43.000 --> 0:05:46.000 because their healthcare dot Gov can be very hard to navigate. 0:05:46.040 --> 0:05:47.200 But I just want to put that out there because 0:05:47.200 --> 0:05:49.800 I didn't realize that, Like, you know, if I didn't 0:05:49.800 --> 0:05:53.080 sign it about the fifteenth that oh well for you 0:05:53.160 --> 0:05:54.640 if you get preggers. 0:05:55.240 --> 0:05:56.279 Oh yeah, that's important. 0:05:56.440 --> 0:05:57.200 Is your health plan? 0:05:57.480 --> 0:06:00.080 Has it gotten more expensive? A lot of people are, well, 0:06:00.160 --> 0:06:02.280 New York and Jersey are I guess a little bit 0:06:02.320 --> 0:06:04.960 more lucky because a ton of insurers haven't exit at 0:06:04.960 --> 0:06:08.400 the market like in other states like Arizona there's only 0:06:08.440 --> 0:06:11.479 one or two providers now, so their prices went up 0:06:11.480 --> 0:06:12.760 one hundred and sixteen percent. 0:06:13.360 --> 0:06:15.680 What But honestly, I don't know if it's gonna go 0:06:15.720 --> 0:06:19.240 up just because I my same plan is no longer available. 0:06:19.240 --> 0:06:22.560 So I was just like, great, I don't so yeah, So. 0:06:22.560 --> 0:06:24.720 I don't even know, like if it's like, what I'm 0:06:24.760 --> 0:06:27.839 gonna get is I'm trying to get something that's comparable 0:06:27.920 --> 0:06:29.720 to see, like you know what it's gonna cost. 0:06:29.760 --> 0:06:31.560 But it's a it's a grip. I'm not gonna lie. 0:06:31.760 --> 0:06:34.679 You know, I pay a few hundred dollars a month 0:06:35.040 --> 0:06:37.680 for the for the privilege of, you know, not dying 0:06:37.680 --> 0:06:42.760 in these streets. Go ahead. 0:06:42.880 --> 0:06:45.960 I was gonna say, my little brother, bless his heart, 0:06:46.000 --> 0:06:48.920 should have listened to big sister. I hope he doesn't 0:06:48.960 --> 0:06:52.560 listen to this because he's probably like, but he got 0:06:52.560 --> 0:06:55.760 his first job after college. He's a salesman for a 0:06:55.760 --> 0:06:57.960 big company. And you know, he was really proud of 0:06:58.040 --> 0:07:01.120 himself and wanted to be cheap and get the cheap 0:07:01.160 --> 0:07:05.120 healthcare plan which costs barely nothing and came with a 0:07:05.240 --> 0:07:08.560 huge deductible, I think five thousand dollars or something like that. 0:07:09.440 --> 0:07:11.360 And that's what happens when you choose the cheapest plan. 0:07:11.520 --> 0:07:13.840 And so poor guy, all year long, every time gets 0:07:13.840 --> 0:07:15.880 a cold or has to get a prescription. It's out 0:07:15.920 --> 0:07:19.560 of pocket, out of pockets. And just recently he was 0:07:19.600 --> 0:07:21.480 at a concert and I don't know all the details, 0:07:21.480 --> 0:07:24.080 but all I know is that someone Stave Jo Stave, 0:07:24.200 --> 0:07:26.720 dived off the stage and kicked him in the head 0:07:26.760 --> 0:07:29.200 and he had a concussion and had to get a 0:07:29.200 --> 0:07:33.160 ct And he's like, bandy, my bill from the er 0:07:33.280 --> 0:07:38.240 is three thousand dollars, yikers. So I told him to try. 0:07:38.320 --> 0:07:40.480 I think he can negotiate it, especially when you have 0:07:40.520 --> 0:07:45.400 a high deductible plan, especially with hospitals too, because CTS, 0:07:45.680 --> 0:07:51.120 MRIs those kind of like run of the mill procedures 0:07:51.160 --> 0:07:55.080 that hospitals do. They charged just like it's like you 0:07:55.120 --> 0:07:56.920 go to one place and it's three thousand dollars. You 0:07:56.920 --> 0:07:59.200 get on the street it's five hundred. It's so random 0:07:59.240 --> 0:08:03.080 how they choose what to pay. And that dollar sign 0:08:03.120 --> 0:08:06.880 on that on that bill isn't always the final word. 0:08:07.000 --> 0:08:09.240 And yeah, especially we have to pay out of pocket. 0:08:09.960 --> 0:08:10.280 I don't know. 0:08:10.360 --> 0:08:11.960 I don't know how it worked, how he's if he's 0:08:11.960 --> 0:08:14.320 done it or not, but he needs to call and 0:08:14.680 --> 0:08:17.360 tell them, you know, I'm paying out of pocket. Can you, 0:08:17.360 --> 0:08:19.320 you know, settle for less or give me some sort 0:08:19.360 --> 0:08:23.360 of discount because he can't afford three thousand dollars. That's insane. 0:08:23.600 --> 0:08:24.520 That is insane. 0:08:24.720 --> 0:08:26.040 Yay, the kid who kicked. 0:08:25.880 --> 0:08:27.240 Him should be paying, is it? It should be like a 0:08:27.240 --> 0:08:30.120 car accident, you know, like the people who hit you, 0:08:30.240 --> 0:08:33.440 their insurance pays. I don't know how that works within 0:08:33.520 --> 0:08:36.720 health insurance, but I'm like, he's just very tall. 0:08:36.760 --> 0:08:39.360 It's not his fault, right, You're like pay you, hey, 0:08:39.440 --> 0:08:41.880 you I need your card. I need your concert card, 0:08:42.000 --> 0:08:44.840 you know, like your insurance concert insurance card. It's like 0:08:45.040 --> 0:08:48.200 your car insurance card. So my car insurance actually, speaking of, 0:08:48.880 --> 0:08:50.760 just went up. I was like, oh, remember I got 0:08:50.760 --> 0:08:55.000 into that accident with the Ford vehicle that was loaned 0:08:55.040 --> 0:08:57.600 to be Yes, yeah, yeah, within like the first couple 0:08:57.640 --> 0:08:58.040 of days. 0:08:58.080 --> 0:08:59.280 So I just knew. 0:08:59.640 --> 0:09:02.600 So I had assurance, and because I drive the oldest 0:09:02.640 --> 0:09:05.200 car in America, my assurance. I think I was paying 0:09:05.240 --> 0:09:07.480 like sixty two bucks a month you know, for like 0:09:08.200 --> 0:09:13.000 whatever basic coverage covers. And so now I'm paying seventy 0:09:13.000 --> 0:09:16.800 five bucks a month. I'm like, oh, I know, so 0:09:16.880 --> 0:09:19.559 I'm trying to see I'm gonna do something though, no 0:09:19.640 --> 0:09:22.360 it's not, but you know, like so it's not as bad. 0:09:22.400 --> 0:09:23.680 As I thought it was gonna be. So I'm not, 0:09:23.760 --> 0:09:26.080 you know, because I really thought that it was going 0:09:26.160 --> 0:09:28.600 to go up tremendously. But I guess they were like they, 0:09:28.720 --> 0:09:31.000 you know, did the detail my car, and they were like, honestly, 0:09:32.080 --> 0:09:34.040 it's a ninety nine toory to camera with the muffler 0:09:34.080 --> 0:09:35.720 that many can attest to because we were on the 0:09:35.720 --> 0:09:37.600 phone with the muffler. 0:09:37.640 --> 0:09:41.480 That's louder than a crying baby struggling. 0:09:43.320 --> 0:09:44.720 Oh my god. That's why I was like, I was 0:09:44.720 --> 0:09:46.520 on mute. You're like, people are like, tivity, can you 0:09:46.559 --> 0:09:46.760 hear me? 0:09:46.800 --> 0:09:50.080 I'm like, I can just barely over this muffler. 0:09:50.160 --> 0:09:51.960 Sounds like you're riding a jet ski or something. 0:09:53.480 --> 0:09:56.000 Oh but you know what, though, when I get my house, 0:09:56.160 --> 0:09:57.080 then I'm gonna get the car. 0:09:57.200 --> 0:09:59.560 That's okay, okay, but having a car does not mean 0:09:59.640 --> 0:10:00.600 that you can and have a house. 0:10:00.600 --> 0:10:02.679 It's alms no, no, I know. But I'm just I don't. 0:10:02.520 --> 0:10:04.960 Know, you know, just one big thing at a time, 0:10:05.000 --> 0:10:05.679 maybe exactly. 0:10:05.760 --> 0:10:07.880 There's so many choices to be made. 0:10:07.920 --> 0:10:10.160 I'm just you know, sometimes you just lay in bed, 0:10:10.200 --> 0:10:12.360 You're like so many things, the things that need to 0:10:12.360 --> 0:10:15.319 be done. Like I had called my sister, my baby's sister, Lisa, 0:10:15.320 --> 0:10:18.280 And I said, Lisa, if I pay you like fifty bucks, 0:10:18.559 --> 0:10:20.959 if I post on my Facebook page that I'm looking 0:10:21.000 --> 0:10:24.480 for an in person assistant and for them to post 0:10:24.480 --> 0:10:26.800 their stuff in the comments, can you just like go 0:10:26.840 --> 0:10:30.199 through them and find somebody for me, because like, even 0:10:30.280 --> 0:10:31.560 that is a lot of work. 0:10:31.640 --> 0:10:32.920 Like if I post, hey. 0:10:32.840 --> 0:10:35.440 I'm looking for this person, then I might get like, 0:10:35.480 --> 0:10:38.480 you know, fifty people in my comments saying hey, you 0:10:38.520 --> 0:10:40.280 know I do that, which is cool, but then I 0:10:40.320 --> 0:10:41.960 have to go through them. I just don't have the 0:10:42.040 --> 0:10:44.080 time for that right now. And she's like, I'll do 0:10:44.120 --> 0:10:46.000 you one better. I was like what She was like, 0:10:46.040 --> 0:10:48.240 I'm not working during the week right now. She only 0:10:48.240 --> 0:10:50.079 works weekends. She's like, I'll do it. 0:10:50.679 --> 0:10:53.720 And I was like, okay, I said, without attitude. She 0:10:53.840 --> 0:10:54.720 was like, we'll see. 0:10:55.240 --> 0:10:57.640 Yeah. But you know what, though, I'm actually really happy 0:10:57.640 --> 0:10:59.959 about it because some of the stuff that I need 0:11:00.320 --> 0:11:02.760 is a little bit sensitive. Like I was still gonna 0:11:02.760 --> 0:11:04.679 have to do my own money things like but now 0:11:04.720 --> 0:11:06.560 I can be like, hey, here's my ATM card, go 0:11:06.600 --> 0:11:08.040 to the bank and give me this money, and then 0:11:08.240 --> 0:11:10.000 you know what I mean, Like I can my sister. 0:11:10.120 --> 0:11:11.320 You know, she's she can. 0:11:11.200 --> 0:11:13.520 Do that and I don't have to, but I remind 0:11:13.520 --> 0:11:14.480 her exactly. 0:11:14.720 --> 0:11:16.920 But I wouldn't do that obviously with a new admin, 0:11:17.400 --> 0:11:19.920 to give them like sensitive information, but with her, so 0:11:19.960 --> 0:11:21.520 I'm like so happy. 0:11:21.520 --> 0:11:23.320 And then Drina, my my. 0:11:23.240 --> 0:11:26.080 Publicists who we share in office, she was like, wait, 0:11:26.080 --> 0:11:27.880 can we share her? And Lisa was like, the more 0:11:27.960 --> 0:11:28.480 the merrier. 0:11:29.040 --> 0:11:32.640 So I'm also Lisa the stylist or is that Tracy. 0:11:32.640 --> 0:11:35.040 That's Tracy Tracy's I know I'm having just like the 0:11:35.120 --> 0:11:38.640 whole team. And so I'm super excited because one, like, 0:11:38.840 --> 0:11:40.800 you know, she's the baby, so I don't see Lisa's 0:11:40.840 --> 0:11:45.840 like the super I don't know, sophisticated, like New York 0:11:45.920 --> 0:11:47.800 bound like, so I don't really see her that much, 0:11:47.800 --> 0:11:49.440 you know. We talked maybe like I don't know, maybe 0:11:49.480 --> 0:11:51.440 like once a week or something, but I don't see 0:11:51.480 --> 0:11:54.080 her in person that often. So this will be nice 0:11:54.080 --> 0:11:56.439 because it'll be it'll force her to see my face 0:11:56.480 --> 0:11:58.320 every day, well not every day, but at least once 0:11:58.360 --> 0:12:01.160 a week, so like stuff like you know, going to 0:12:01.200 --> 0:12:03.160 the mail. So I figured just once a week, I'll 0:12:03.160 --> 0:12:05.400 make a list of everything I need done, like going 0:12:05.440 --> 0:12:07.719 to the mail, picking this thing up, dropping this thing off, 0:12:07.800 --> 0:12:10.000 dry cleaning. I'll see if I can trust her to 0:12:10.000 --> 0:12:12.680 go food shopping even because honestly, I don't even wanna 0:12:12.720 --> 0:12:15.520 do that anymore, and like pay her, like I don't know, 0:12:15.600 --> 0:12:18.199 fifteen bucks an hour and you know, I don't know. 0:12:18.400 --> 0:12:20.880 So we'll see. But I'm just excited because I'm like, yeah, 0:12:20.880 --> 0:12:22.480 I don't have to do those things anymore. 0:12:23.360 --> 0:12:25.320 That's exciting. Yeah, we hadn't had an update on you 0:12:25.360 --> 0:12:28.000 looking for your admin yet, so I. 0:12:27.960 --> 0:12:29.800 Think that And I was like, Lisa, how long are 0:12:29.800 --> 0:12:31.600 you gonna be out of work? She's like, well, I 0:12:31.640 --> 0:12:33.800 was like, must be nice, like what like because I 0:12:33.960 --> 0:12:36.920 guess her weekend job pays her. M Lisa lives very humbly, 0:12:36.960 --> 0:12:38.920 like she's got a really nice apartment in Jersey City. 0:12:38.920 --> 0:12:40.480 Actually ooh, so when you know. 0:12:40.760 --> 0:12:42.520 When you guys come, you guys can't come visit. She's 0:12:42.520 --> 0:12:47.120 got a studio, but it's fairly inexpensive, and she lives. 0:12:47.120 --> 0:12:49.520 She she brought her car and in cash. 0:12:49.559 --> 0:12:51.520 I taught her how to do that save and water, 0:12:51.600 --> 0:12:54.199 so she doesn't have that bill and so as a result, 0:12:54.320 --> 0:12:55.760 she doesn't have to make a whole lot in order 0:12:55.800 --> 0:12:56.840 to maintain her lifestyle. 0:12:57.400 --> 0:12:59.360 Oh so she can just like not work during the week. 0:12:59.400 --> 0:13:01.680 That's nice, I know, that's what I said. And I'm like, 0:13:01.720 --> 0:13:03.640 she's like starting to she wants to start a business, 0:13:03.679 --> 0:13:06.160 so she wanted to leave her week free. But you know, 0:13:06.200 --> 0:13:08.000 this would be like, you know, some extra coin for 0:13:08.040 --> 0:13:10.120 her to make without having to really stress herself, because 0:13:10.280 --> 0:13:12.199 Newark is not far from Jersey City. 0:13:12.600 --> 0:13:14.680 Yeah, it's thanks for keeping it in the family, keeping 0:13:14.679 --> 0:13:15.520 the mind on the family. 0:13:16.240 --> 0:13:17.720 Look at look at God. 0:13:18.440 --> 0:13:20.400 But let's let's go back to what you said about 0:13:20.440 --> 0:13:23.400 January in a courthouse. Is that happening so soon? 0:13:24.240 --> 0:13:27.080 I think so, honestly, because if nothing else but for 0:13:27.120 --> 0:13:30.520 the insurance purposes, I mean, because we're getting married anyway, 0:13:30.559 --> 0:13:33.320 So we want to do a spring at least, I said, 0:13:33.360 --> 0:13:35.680 we I want to do a spring wedding. Girls, like, 0:13:35.840 --> 0:13:38.040 he actually really does want a wedding. If it was 0:13:38.160 --> 0:13:40.439 up to me, I would probably just do the courthouse. 0:13:40.920 --> 0:13:43.120 But he actually would like a wedding. So I said, okay, well, 0:13:43.320 --> 0:13:46.600 let's do something in the spring, something like a Sunday brunch, 0:13:46.640 --> 0:13:48.680 something cute and pretty and you know, but low key. 0:13:49.160 --> 0:13:53.360 But let's officially, you know, get married in the new year, 0:13:53.720 --> 0:13:55.160 because honestly, he doesn't really want to wait. 0:13:55.240 --> 0:13:56.920 If it was up to him, we would have went yesterday. 0:13:56.920 --> 0:13:59.160 But I was like, well, wait, there's some some things 0:13:59.160 --> 0:14:03.160 that I wanted to to get in place before officially. 0:14:03.400 --> 0:14:05.880 Wait, he doesn't want to wait, but he wants a wedding, wedding. 0:14:07.520 --> 0:14:09.640 Yeah, he doesn't want to wait meeting for us to 0:14:09.880 --> 0:14:13.520 to go to the you know, officially just as the piece, 0:14:13.559 --> 0:14:15.520 he doesn't want to wait for that, But the wedding 0:14:15.520 --> 0:14:17.679 wedding he doesn't mind waiting for because he doesn't want 0:14:17.679 --> 0:14:19.720 to get a house first. 0:14:20.320 --> 0:14:22.000 So yeah, I don't know. 0:14:22.360 --> 0:14:24.760 He's just like like, you know, let's get married now, 0:14:24.840 --> 0:14:27.920 let's go to justice the piece tomorrow. I'm like, well, 0:14:28.040 --> 0:14:31.400 let's let's make sure we have some things in place first, 0:14:31.800 --> 0:14:34.400 and so you know, now that they are in place, 0:14:34.440 --> 0:14:35.120 are going. 0:14:34.880 --> 0:14:38.360 In place, then you know, now we can move forward. 0:14:38.440 --> 0:14:40.200 But I wanted to wait, Like, I'm like, you know, 0:14:40.320 --> 0:14:43.720 let's let's have a real conversation about finances and what 0:14:43.720 --> 0:14:45.360 we're doing. I mean, we always talk about money, but 0:14:45.880 --> 0:14:48.800 I wanted to have a super official conversation about that. 0:14:48.920 --> 0:14:50.720 You know, we're talking pre up here or what. 0:14:51.280 --> 0:14:52.600 Yeah, I know, I was trying to dance around it. 0:14:52.600 --> 0:14:55.160 Basically, I was trying to I'm like, what is she's 0:14:55.200 --> 0:14:57.000 saying some things in place. 0:14:58.240 --> 0:15:00.000 I know, And I'm like, cause he's not. I mean, 0:15:00.160 --> 0:15:03.000 he's to the chase. I'm not eve gonna talk about 0:15:03.000 --> 0:15:04.760 it much because I'm like, I'm sure his cousin's listening. 0:15:04.800 --> 0:15:06.400 He's not all that like happy about it, Like you 0:15:06.440 --> 0:15:09.160 don't trust me. I'm like, well, no, of course that's 0:15:09.160 --> 0:15:11.840 not it. But like to me, I always I'm thinking 0:15:11.840 --> 0:15:14.120 to myself that I have things that are not just me. 0:15:14.280 --> 0:15:17.480 You know, as I grow there are people who all 0:15:17.520 --> 0:15:19.560 they do is just work for me, and I want 0:15:19.600 --> 0:15:22.760 to just make sure that should anything happen that I 0:15:22.800 --> 0:15:25.480 don't you know, I'm not putting other people's lives in jeopardy, 0:15:25.520 --> 0:15:25.720 you know. 0:15:26.200 --> 0:15:28.960 Yeah, it's just he'll he'll come around. It's a smart decision. 0:15:29.920 --> 0:15:33.320 One of my friends just got married and and they 0:15:33.600 --> 0:15:35.400 she was well, she took it a step further. She 0:15:35.480 --> 0:15:38.360 like posted their prenup on Instagram. I was like, okay, 0:15:38.640 --> 0:15:43.920 miss Lauri and posted like the picture with the lawyer. 0:15:44.080 --> 0:15:45.400 She was real happy about it. 0:15:46.200 --> 0:15:49.200 I mean, I don't even to me, are like, you 0:15:49.200 --> 0:15:51.720 know what we decided is like what to be common 0:15:51.760 --> 0:15:54.680 sense stuff like, hey, if he's actually starting a business, 0:15:54.720 --> 0:15:56.280 you know, know when we buy these houses because it's 0:15:56.280 --> 0:15:58.640 his money, you know, his credit scored the houses and 0:15:58.680 --> 0:16:01.800 his name, you know, but and it'll he'll start an 0:16:02.040 --> 0:16:04.960 LLC to put these homes, you know, these multi family 0:16:05.000 --> 0:16:07.800 homes in his name. So the for us, it's just simple. 0:16:07.840 --> 0:16:11.160 It's like whatever business that you create is yours, Like 0:16:11.200 --> 0:16:13.880 that's just you as yours and whatever we do together 0:16:14.200 --> 0:16:16.640 is ours. So that that's all it really says. You 0:16:16.720 --> 0:16:19.560 know that I wanted to keep it real simple, like 0:16:19.720 --> 0:16:21.800 the budget eastend. If I make a business or whatever 0:16:22.200 --> 0:16:24.600 those are, those things are mine and your you know, 0:16:24.640 --> 0:16:27.560 your real estate development business or whatever, that'll be yours. 0:16:27.600 --> 0:16:30.000 And if we do projects and things together where we 0:16:30.080 --> 0:16:33.000 join our money together, then that's fifty percent mind fifty 0:16:33.040 --> 0:16:36.240 percent yours. So nothing crazy, but just at least that 0:16:36.280 --> 0:16:37.360 it's official, you know. 0:16:37.760 --> 0:16:40.080 Yeah, because it's in Jersey, a communal property state where 0:16:40.120 --> 0:16:42.040 if you get divorced without a prenup, that's fifty to 0:16:42.040 --> 0:16:43.640 fifteen no matter what I think. 0:16:43.680 --> 0:16:46.000 So and also too, it's also a what is that 0:16:46.080 --> 0:16:48.480 thing called when you like live common law state where 0:16:48.520 --> 0:16:50.080 if you live together for a certain. 0:16:49.880 --> 0:16:52.000 Amount of time, you're you're married in the eyes of 0:16:52.040 --> 0:16:52.360 the law. 0:16:54.120 --> 0:16:58.000 So well, I think people too get like there's a 0:16:58.040 --> 0:16:59.720 well there's a stigma of the prenap but then there's 0:16:59.720 --> 0:17:02.680 all so people don't really like what do you put 0:17:02.680 --> 0:17:04.639 in it? And I'm like, you just put whatever you 0:17:04.840 --> 0:17:07.320 want in it. It's you know, it's for you. It 0:17:07.320 --> 0:17:10.640 should be tailored to what you want. And meanwhile, I don't. 0:17:10.720 --> 0:17:12.720 I haven't even thought about one. 0:17:12.840 --> 0:17:14.520 I mean, I always think it depends. I mean like 0:17:15.720 --> 0:17:18.280