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Speaker 1: Happy Thursday.

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Speaker 2: Thursday.

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Speaker 3: No, I mean I tried to put a weird accent

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Speaker 3: on Tuesday, but then I just it sound like Thursday.

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Speaker 4: Hey hey, hey, we're black, we're black, we're.

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Speaker 5: Brown, and.

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Speaker 2: So somebody's a homeowner.

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Speaker 1: I'm in the club, a club. I have so many keys.

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Speaker 3: I don't know what to do with them. I don't

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Speaker 3: know what they all go to.

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Speaker 2: How does it feel?

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Speaker 1: It feels really expensive.

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Speaker 3: Just laid out my entire savings account for the for

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Speaker 3: the closing costs.

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Speaker 1: It feels really good. You know, we had a.

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Speaker 3: Really special day today. I wasn't expecting this, but I

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Speaker 3: don't know if I ben And when we when we

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Speaker 3: went to the open house, we realized that there was

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Speaker 3: an older couple there and they were retiring and they

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Speaker 3: were older African American couple had lived there for forty years.

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Speaker 3: And I became really like sort of obsessed with them,

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Speaker 3: and I really wanted I just thought it was amazing

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Speaker 3: too that they would, I.

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Speaker 1: Guess, choose us to give us the house because.

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Speaker 3: They know they had a lot of different offers, and

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Speaker 3: I know that they're like the real estate agent really

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Speaker 3: liked us, and you know, being newly weeds and everything,

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Speaker 3: like that, and you can. And we were walking around

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Speaker 3: the house during like the open house and inspection and stuff,

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Speaker 3: and you can get little clues about people and like

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Speaker 3: what kind of life they have, like the fridge full

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Speaker 3: of all their grandkids drawings, and the room full of

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Speaker 3: the guy the dad's veteran medals. You know, he was

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Speaker 3: in the army, and you I don't know, just you

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Speaker 3: get this really good, like a good family lived here

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Speaker 3: for a long time and had a good life. But

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Speaker 3: I never thought we would meet them, but we we

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Speaker 3: you know, the closing was today. We pulled up to

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Speaker 3: their house and they were there and they they took

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Speaker 3: us through the entire house and their names are Ed

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Speaker 3: and Rosemary.

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Speaker 2: I love.

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Speaker 3: Yeah, they showed us how everything worked, and Ed is

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Speaker 3: like I mean, we were there for like a good

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Speaker 3: two hours and in Regay, my husband he was, you know,

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Speaker 3: asking Ed how to do the fireplace. And I mean

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Speaker 3: that they knew that house inside and out and they

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Speaker 3: took such good care of it. But you could, like

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Speaker 3: I could. I was talking to Rosemary a lot, and

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Speaker 3: you can just tell that she was really excited for

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Speaker 3: their you know, they're they're actually really young, like they

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Speaker 3: look amazing for being. I think they're in their mid sixties,

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Speaker 3: they're retired, they're moving to Delaware. They look at they're

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Speaker 3: just like gold. You know, they're they're retiring at a

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Speaker 3: good age. They still have a lot of years ahead

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Speaker 3: of them. But you could tell that she really felt

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Speaker 3: still emotionally attached, and it was it was really sweet

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Speaker 3: of them to actually say goodbye to the house and

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Speaker 3: to give us and kind of like pass the baton

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Speaker 3: in a way.

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Speaker 2: I love it.

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Speaker 3: It was really it was really sweet, and I was

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Speaker 3: just really grateful for that experience because I didn't know

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Speaker 3: what to expect. I thought we were just going to

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Speaker 3: walk through and test the door knobs and run the

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Speaker 3: faucets and stuff. But we ended up really having a nice,

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Speaker 3: a nice time with them, and they were like, so,

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Speaker 3: here's that neighbor.

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Speaker 1: And don't worry about her.

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Speaker 3: She's fine, but like that neighbor's kind of noisy, and they're,

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Speaker 3: you know, giving us the lay of the neighborhood.

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Speaker 1: Yeah, I was really sweet.

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Speaker 3: I love that and the passing of the keys at

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Speaker 3: the because we basically had the walk through. Then we

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Speaker 3: went to the attorney's office to actually sign the most

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Speaker 3: paper I've ever seen in my entire life, just documently

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Speaker 3: page at a page for paget page of closing documents.

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Speaker 3: But they were there at the table with us, and

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Speaker 3: you know, Ed handed me the keys across the table

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Speaker 3: and it was it was cool.

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Speaker 2: I love that.

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Speaker 1: Yeah, but it was expansive.

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Speaker 4: Yes, ah, you know, it's so crazy. It's like when

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Speaker 4: you said I'm in the club. I remember when, literally

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Speaker 4: the day I got married, all of these married women

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Speaker 4: text me and they were like, welcome to the club.

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Speaker 2: That's what.

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Speaker 1: Misery loves company.

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Speaker 4: No, I know, Oh no, honestly, yeah, that's all I mean.

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Speaker 4: It's crazy because you know, we finally closed on our house.

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Speaker 4: I don't know, a few weeks ago, but I don't

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Speaker 4: feel like we have a house because we're not in it,

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Speaker 4: because you.

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Speaker 2: Know, we're doing renovations.

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Speaker 4: Yeah right, So you know, it just feels surreal every

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Speaker 4: once in a while, like super Man, we have a house.

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Speaker 1: Yeah.

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Speaker 3: I well, we went there, we went back to the

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Speaker 3: house after the closing and I and it still felt

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Speaker 3: like I was in Edwin Rosemary's house.

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Speaker 1: Yes, it's like, let's come home. This feels weird.

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Speaker 5: I don't want that.

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Speaker 1: Yeah, it hasn't hit me yet. And uh yeah, it.

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Speaker 4: Feel like I guess you have like your things in there,

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Speaker 4: and like yeah, but for us, it's gonna be a

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Speaker 4: while because honestly, we have probably months of of renovations

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Speaker 4: and stuff. When you buy our older home, I don't

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Speaker 4: do Do you know what year your house was built?

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Speaker 3: Nineteen forty seven? Do you know what they gifted us?

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Speaker 3: This was amazing. I forgot when we got to the closing,

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Speaker 3: they hand me this packet. It has the original blueprints

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Speaker 3: for our house, like the beautiful, the dark, like the

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Speaker 3: real blueprint, like they don't even make these anymore, from

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Speaker 3: nineteen forty seven when it was first built. And they

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Speaker 3: said that, you know, you're the only the fourth owner

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Speaker 3: and we wanted to give you these and it was

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Speaker 3: it was beautiful.

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Speaker 1: Yeah.

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Speaker 2: Did you get them framed?

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Speaker 5: Yeah?

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Speaker 1: I don't.

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Speaker 3: I don't know that we're going to get the originals

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Speaker 3: frame but I want to keep those safe. But we're

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Speaker 3: probably going to get I've I've did a little bit

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Speaker 3: of research and there's like art shops or even Staples

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Speaker 3: will do a copy of it, like a good replica,

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Speaker 3: and then we can get that framed and then keep

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Speaker 3: the other one in like a safety deposit box or something,

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Speaker 3: because that's that's like it's a special thing. I it

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Speaker 3: was very generous for them to give us that.

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Speaker 2: No, I love that. I said that. I was like,

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Speaker 2: I would love to get the blueprints for us.

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Speaker 4: I'm actually going to go to city Hall and see

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Speaker 4: if they have, like, you know, copies of the blueprints

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Speaker 4: because I'd.

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Speaker 2: Love to see, like, you know what what the I guess.

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Speaker 4: Original owner had in mind, because our house was built

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Speaker 4: in nineteen twenty wow. And so even so, you know,

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Speaker 4: I was looking for a contractor and a designer and

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Speaker 4: a friend of mine connecting me with her two friends.

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Speaker 4: And the wife is a designer and the husband is

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Speaker 4: a contractor and project manager. And they were they've just

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Speaker 4: been so awesome. They're actually like our new like couple friend.

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Speaker 4: This is like our first joint couple friend, you know,

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Speaker 4: Like I mean, I'm my best friend Drina and her

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Speaker 4: significant other. Like we're all cool, but we were cool

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Speaker 4: before we got married, you know, right, and so this

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Speaker 4: is but this is like what like a couple friend

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Speaker 4: we made together, and we're like, oh my god, We're

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Speaker 4: so obsessed with them. It's like crazy like Superman and

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Speaker 4: like so Rihanna is a woman. She I think she's

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Speaker 4: from Guyana and and Jermaine is the man and he actually.

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Speaker 2: Is by Rachel.

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Speaker 4: His his dad is black and his his mom is

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Speaker 4: white and they are like so dope and they have

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Speaker 4: a daughter named Olivia, and they are a amazing and

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Speaker 4: like like we went out to like I Hop with them,

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Speaker 4: and like then me and Rihanna went over to Home

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Speaker 4: Sends and the guys and Supergirl and their daughter they

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Speaker 4: went to like bunples together. I mean we have just

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Speaker 4: been like obsessing with each other like we tech we

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Speaker 4: do we group text together, and I'm like, oh my god, these.

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Speaker 2: Are are like our friends.

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Speaker 4: I'm jealous because you know, usually it's you might be like,

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Speaker 4: oh I like I like the you know, you might

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Speaker 4: like the woman, but he might not like the guy,

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Speaker 4: or he might like the guy.

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Speaker 2: You're like, ah, she's all right.

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Speaker 4: So it's like the fact that like we both like,

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Speaker 4: you know, well one I like Jermaine, but I also

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Speaker 4: like Rihanna, and their daughter is super sweet and so

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Speaker 4: but also too they're really talented and so what we

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Speaker 4: asked them because they're just he Jermaine is just too

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Speaker 4: busy to take on like to do construction or even

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Speaker 4: even though he's done his own house, which is gorgeous.

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Speaker 2: Their house is beautiful. He did all the work himself.

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Speaker 4: Basically, and they put it on the market and it's

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Speaker 4: sold within twenty four hour, not even they put it

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Speaker 4: on the market and somebody bought it sight unseen.

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Speaker 2: Put an offering.

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Speaker 1: Oh my god, I'm asking.

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Speaker 4: Because that's just how beautiful their place is. And so

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Speaker 4: we asked them, well, then can you at least be

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Speaker 4: like our men tours in this, and that's what they're

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Speaker 4: kind of doing. They're basically consulting. And so because there's

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Speaker 4: so many things I don't know, like with the older house,

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Speaker 4: you really should get lead and asbestos testing, and so

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Speaker 4: we did, and we found out because we did see

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Speaker 4: a pipe and debasement that looked like it might be

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Speaker 4: wrapped with asbestos wrapping, which is which was normal for

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Speaker 4: reck then and it was and it's not a huge

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Speaker 4: deal to abate it, but obviously you have to abate it.

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Speaker 3: We had that there, you did, right, and a bunch

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Speaker 3: of pipes downstairs, yeah, fun stuffs and.

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Speaker 4: Bight and then and then because the house is older too,

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Speaker 4: and I don't know where the paint comes from, but

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Speaker 4: we did actually have some paint on a number of

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Speaker 4: like the wood, because there's a lot of wood in

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Speaker 4: nineteen twenties. I don't know if it's a craftsman. I

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Speaker 4: don't know like what the actual what it's called. But

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Speaker 4: there's a lot of lead, I guess in like whatever

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Speaker 4: layers of paint underneath. And so we have to get

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Speaker 4: that abated. And so that's in itself is like just

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Speaker 4: a process. And so that's where we are now, like

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Speaker 4: hiring the abatement company, and even that's a process like

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Speaker 4: getting them to put bit to do the work. And

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Speaker 4: so Jermaine and Rihanna have just been walking us through

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Speaker 4: and I'm excited because she's been like I like her

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Speaker 4: eye for design because I love her house, and she

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Speaker 4: because they're looking for a house now since they quickly

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Speaker 4: sold there. She's been walking me through like when she

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Speaker 4: goes to open houses and stuff, she'll be like, oh, Tiffany, comes,

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Speaker 4: I want to show you this design detail to see

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Speaker 4: if you like it. So she's trying to get a

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Speaker 4: feel for my style. So she actually brought me to

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Speaker 4: this house nineteen twenty is also in Newark around the

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Speaker 4: corner for where our new house is, and the molding

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Speaker 4: was dark molding, and I never never would have thought

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Speaker 4: that I would like dark molding, but it was beautiful.

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Speaker 4: Their molding was black, which it's too dark for me,

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Speaker 4: but I love the dark molding, and I realized that,

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Speaker 4: you know, I think I'm really interested in having dark molding,

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Speaker 4: not black, but maybe not white.

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Speaker 2: And so I'm just enjoying this process, even though for us.

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Speaker 4: It's going to be alone, rude, but it's nice to

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Speaker 4: know that we have people who are going to kind

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Speaker 4: of walk us through and not let us mess up

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Speaker 4: and help us in you contractors and electricians and all

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Speaker 4: that stuff, and they we won't be my biggest worry

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Speaker 4: with someone's going to get over on us. And now

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Speaker 4: we're like, no, We've got our couple friends who this

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Speaker 4: is what they do for a living, so you're not

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Speaker 4: going to try us.

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Speaker 1: And they've been through it already.

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Speaker 2: Yeah, exactly.

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Speaker 4: And are you guys doing any like any any major

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Speaker 4: work or just a little minus stuff.

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Speaker 1: Oh oh yeah.

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Speaker 3: I've been chomping at the bit to get people in

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Speaker 3: to start looking at the house and giving us estimates

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Speaker 3: and putting in bids and everything, but of course no

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Speaker 3: one would actually come until we had the keys to

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Speaker 3: the house, which we got today. So last week we

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Speaker 3: started making appointments for tomorrow the day after closing, and

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Speaker 3: we have our thing is same thing. There's a couple

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Speaker 3: of like just structural things we need to fix first

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Speaker 3: so that we have people come in and look at

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Speaker 3: the plumbing and we're probably converting to gas. So we

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Speaker 3: have like three people in HVAC and plumbing, three different

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Speaker 3: businesses coming in the morning, and then the afternoon we

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Speaker 3: have three different architect design build type people. So okay,

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Speaker 3: before we do any structural changes, we need like the

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Speaker 3: architects to come in. You probably know all this, but

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Speaker 3: I didn't know that architects came first. I thought you'd

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Speaker 3: get a contractor first, but.

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Speaker 4: Yeah, I didn't know that either until I was like, oh,

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Speaker 4: and if you want, I can give you because Jermaine

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Speaker 4: he gave me. Whether it's your architect or I don't

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Speaker 4: know who's gonna take. So just this last weekend, we

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Speaker 4: actually took measurements of every room and then you can

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Speaker 4: put it into what's called a bid sheet. So I

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Speaker 4: don't know maybe your architect would do that, but I

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Speaker 4: can give you the spreadsheet that Jermaine gave me, because

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Speaker 4: then that's the bid sheet. Is the spreadsheet then you

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Speaker 4: give to the different contractors so you can compare apples

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Speaker 4: to apples, so that way you can say, hey, contractor

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Speaker 4: in room A, we want this, this, this, and this

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Speaker 4: fix and here the dimensions and room B we want it.

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Speaker 4: So I was like, oh, he said, because if not,

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Speaker 4: then each contractor kind of comes in and gives a

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Speaker 4: guestimate based upon like what he thinks needs to be done,

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Speaker 4: and this one might tell you twenty thousand, this one

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Speaker 4: want to tell you thirty thousand. But they're not bidding

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Speaker 4: on the same thing. But with the bid sheet, they

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Speaker 4: fill it out and line item by line item, you

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Speaker 4: and Enrique can look and say, you know what, we

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Speaker 4: actually don't need this window done, but we do need

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Speaker 4: this done, so you can take fifty off here, but

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Speaker 4: add two hundred here. And I'm like, oh, it's been

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Speaker 4: such a learning experience, and I'm like, I've actually been

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Speaker 4: taking so many notes because I know we want to

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Speaker 4: start investing in real estate, so that way we know

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Speaker 4: next time we have like, okay, step one do this,

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Speaker 4: step two do this. But I can certainly give you

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Speaker 4: that that bid sheet and ask your architect, you know,

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Speaker 4: like whoever, you have to still take measurements to help

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Speaker 4: you fill that out.

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Speaker 1: How are you how are you budgeting for reno?

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Speaker 3: Because I basically, for first of all, I feel.

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Speaker 1: Like I'm budgeting in the dark.

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Speaker 3: We have a chunk of money set aside, and like

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Speaker 3: I'll have some some more money coming this summer that

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Speaker 3: you know.

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Speaker 1: We'll add to the pot.

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Speaker 3: But I I'm really, I'm really when you, I'm like,

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Speaker 3: I'm not worried, but I'm really cognizant of the fact

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Speaker 3: that I want to make sure that we are earmarking

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Speaker 3: funds for renovations and we're we're not touching emergency funds

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Speaker 3: so that I don't feel like like there's always going

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Speaker 3: to be money in the bank. And I guess I'm

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Speaker 3: just nervous about about, you know, getting caught up in

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Speaker 3: a reno and then you're over budget.

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Speaker 1: But like you still want to.

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Speaker 3: Do some things, and I'm I'm like, I'm already trying

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Speaker 3: to prioritize what I want done and maybe think of

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Speaker 3: things that, Okay, if I had to wait, we can

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Speaker 3: wait to do this until later kind of stuff.

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Speaker 4: So what we did was like because same thing, honestly,

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Speaker 4: so I've just honestly been like saving every penny.

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Speaker 2: And because we have our our.

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Speaker 4: Emergency fund is already full, you know, so we're like, okay,

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Speaker 4: we've got our six months of just in case money.

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Speaker 4: But and so I've been and then we have like

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Speaker 4: other savings here and there. But I have been putting

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Speaker 4: the lion's share because I knew this was coming. You know,

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Speaker 4: we looked for for like over a year and a

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Speaker 4: half or a house, so I knew this was coming.

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Speaker 4: So I said, Okay, I've been really stacking away and

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Speaker 4: saving like crazy in our house fund. And so you know,

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Speaker 4: if we got everything done, you know, it might cost

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Speaker 4: us like everything including furniture and my cost us seventy

322
00:14:01,920 --> 00:14:04,520
Speaker 4: five to one hundred thousand dollars, but we are. But

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Speaker 4: I this is one thing that I like that Jermaine

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Speaker 4: told us. He said, let's the big sheet. We're gonna

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Speaker 4: put down every little thing that you think that you

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Speaker 4: might like. He said, because then it becomes a line

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Speaker 4: item that you can take off. And he said it's

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Speaker 4: better to have it, even if it's just for future,

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Speaker 4: like okay, this is phase two. But he's so that's

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Speaker 4: what we've been doing is just to put everything down,

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Speaker 4: price it all out, and then say, okay, I really

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Speaker 4: have to get the kitchen done because the kitchen is

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Speaker 4: a mess, and we really have to get the master

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Speaker 4: bathroom done because the master bathroom is too small for

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Speaker 4: Jirell because you know, he's tall.

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Speaker 2: Other than that, things can wait.

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00:14:42,160 --> 00:14:45,280
Speaker 4: We're like, okay, we want to refinish the floor, but

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00:14:45,560 --> 00:14:47,680
Speaker 4: Jirell might be able to do that himself, you know,

339
00:14:47,760 --> 00:14:50,680
Speaker 4: with his friends, and Jermaine might help, and okay painting.

340
00:14:50,800 --> 00:14:52,920
Speaker 4: Direll's twin brother is a master painter and has his

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Speaker 4: own painting business, so we could save there. So as

342
00:14:55,760 --> 00:14:57,880
Speaker 4: it is right now, we're just literally writing everything down.

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Speaker 4: I don't even have I don't even know what it's

344
00:14:59,600 --> 00:15:02,160
Speaker 4: gonna call. I was like, I mean, it's probably going

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00:15:02,200 --> 00:15:06,520
Speaker 4: to cost him a fifty thousand dollars plus range maybe,

346
00:15:06,720 --> 00:15:09,520
Speaker 4: but even then, you know, I don't know because I

347
00:15:09,600 --> 00:15:11,480
Speaker 4: want to include furniture because most of.

348
00:15:11,400 --> 00:15:14,840
Speaker 2: Our furniture now it's not doesn't fit where we're going.

349
00:15:15,440 --> 00:15:18,280
Speaker 4: So yeah, So I mean, like I said, I'm really

350
00:15:18,960 --> 00:15:22,200
Speaker 4: I'm excited, nervous, but not as nervous I was really

351
00:15:22,240 --> 00:15:25,080
Speaker 4: afraid before because I was like, I don't know how

352
00:15:25,080 --> 00:15:26,560
Speaker 4: to do any of these things. And I just hear

353
00:15:26,640 --> 00:15:29,440
Speaker 4: so many scary stories about contractors doing the wrong thing.

354
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Speaker 4: But now that we kind of have like okay, we've

355
00:15:31,960 --> 00:15:36,440
Speaker 4: got our our design and contract mentor you know, any

356
00:15:36,440 --> 00:15:38,040
Speaker 4: time I have a question, you know, I hit up

357
00:15:38,040 --> 00:15:41,680
Speaker 4: group chet text Like for example, I didn't know that

358
00:15:41,880 --> 00:15:45,000
Speaker 4: when so we got the testing for asbestos and lead

359
00:15:45,000 --> 00:15:46,680
Speaker 4: and they said, yes, you have a little abestis in

360
00:15:46,720 --> 00:15:48,960
Speaker 4: the basement and you've got some lead inside the house.

361
00:15:49,440 --> 00:15:50,800
Speaker 4: And then Jamine I was like, so what do I

362
00:15:50,880 --> 00:15:53,200
Speaker 4: just call the people new people and say hey, fix it?

363
00:15:53,240 --> 00:15:55,160
Speaker 2: And he's like, no, you'll have to go back.

364
00:15:55,040 --> 00:15:59,280
Speaker 4: To that company and say to create an abatement plan.

365
00:15:59,400 --> 00:16:01,600
Speaker 2: And I was like, oh okay.

366
00:16:01,640 --> 00:16:03,800
Speaker 4: And so he was like, because from that plan there

367
00:16:03,800 --> 00:16:07,360
Speaker 4: should be specific specs. And from those specs, now you

368
00:16:07,400 --> 00:16:10,880
Speaker 4: can then go to two or three other abatement companies

369
00:16:10,920 --> 00:16:13,960
Speaker 4: and say here's are the specific rooms in the house

370
00:16:14,360 --> 00:16:16,640
Speaker 4: the amount there is, so that way they can price

371
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Speaker 4: it all equally.

372
00:16:18,240 --> 00:16:19,320
Speaker 2: And I was like, oh.

373
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Speaker 4: Cause I just would have went to like a company

374
00:16:20,640 --> 00:16:23,080
Speaker 4: and but like, hey, you know, here's my basic report.

375
00:16:23,360 --> 00:16:26,040
Speaker 4: And I didn't realize, like, you know, having the plan

376
00:16:26,240 --> 00:16:29,040
Speaker 4: is an additional cost, and I was like, oh, so

377
00:16:29,120 --> 00:16:33,880
Speaker 4: there's always like something and it's just nice to not

378
00:16:33,960 --> 00:16:37,200
Speaker 4: be kind of like puttering around in the dark because honestly,

379
00:16:37,360 --> 00:16:40,640
Speaker 4: it's renovations kind of scare me because I watched too

380
00:16:40,720 --> 00:16:42,040
Speaker 4: much of HGTV and I'm like.

381
00:16:42,040 --> 00:16:43,200
Speaker 1: Ah, so much.

382
00:16:43,320 --> 00:16:45,760
Speaker 3: I had a dream about cabinet trade the other night

383
00:16:46,000 --> 00:16:47,600
Speaker 3: that like we were trying to take it out.

384
00:16:47,640 --> 00:16:50,520
Speaker 1: It's it's a sickness. I'm not okay. I love that

385
00:16:50,560 --> 00:16:52,160
Speaker 1: we're in the same boat. So you just I'm gonna

386
00:16:52,160 --> 00:16:53,480
Speaker 1: I'm gonna hit you. You were like a couple of

387
00:16:53,520 --> 00:16:54,920
Speaker 1: months ahead of me. I'm gonna hit you up.

388
00:16:56,080 --> 00:16:56,680
Speaker 3: Just let me know.

389
00:16:57,680 --> 00:16:59,720
Speaker 1: This is all I know.

390
00:17:00,040 --> 00:17:02,080
Speaker 2: It's like, look at us growing up. When we first

391
00:17:02,120 --> 00:17:03,040
Speaker 2: started the podcast.

392
00:17:03,080 --> 00:17:05,679
Speaker 4: We were single ladies, all the single ladies, all the

393
00:17:05,680 --> 00:17:08,960
Speaker 4: single ladies, right and now look next thing.

394
00:17:09,000 --> 00:17:20,440
Speaker 2: You know, kids up next, And I think it's time to.

395
00:17:20,760 --> 00:17:26,200
Speaker 4: Boom store break, boots to break, boots to break.

396
00:17:26,200 --> 00:17:28,080
Speaker 2: Are you gotta brown break? Are you gonna brown boost?

397
00:17:28,240 --> 00:17:28,960
Speaker 1: I got a break?

398
00:17:29,600 --> 00:17:31,920
Speaker 3: Okay, too much positivity happening right now. I gotta I

399
00:17:31,960 --> 00:17:35,760
Speaker 3: gotta bring it down. Do you want me to go first?

400
00:17:36,080 --> 00:17:40,359
Speaker 3: So I've been in a texting debate with my two besties.

401
00:17:41,040 --> 00:17:44,919
Speaker 3: They're my pop culture debate team. And ever since Cardi

402
00:17:44,960 --> 00:17:48,920
Speaker 3: B debuted her baby bump, her her her, you know,

403
00:17:49,320 --> 00:17:52,240
Speaker 3: un kept secret that CARDIV is pregnant. But she debuted

404
00:17:52,400 --> 00:17:56,119
Speaker 3: on SNL this past Saturday. He saw her performance. Also,

405
00:17:56,320 --> 00:17:59,320
Speaker 3: by the way, Chadwick Boseman on SNL was amazing. Anyway,

406
00:17:59,480 --> 00:18:01,840
Speaker 3: so Cardi comes out she's pregnant, she has a new

407
00:18:01,880 --> 00:18:04,119
Speaker 3: album dropping, and all of a sudden, there's all this

408
00:18:04,240 --> 00:18:08,119
Speaker 3: conversation around, oh, no, is Cardi B gonna survive this

409
00:18:08,240 --> 00:18:12,080
Speaker 3: maternity leave? Is she gonna you know, does she have enough?

410
00:18:12,880 --> 00:18:15,159
Speaker 3: Is she popular enough to withstand being out of the

411
00:18:15,160 --> 00:18:17,240
Speaker 3: public eye for a few months while she has this baby?

412
00:18:17,280 --> 00:18:18,359
Speaker 1: And blah blah blah blah blah.

413
00:18:18,520 --> 00:18:22,960
Speaker 3: And I was like, geez, like, this is why women

414
00:18:23,440 --> 00:18:26,560
Speaker 3: are afraid of telling their coworkers or their bosses that

415
00:18:26,640 --> 00:18:29,480
Speaker 3: they're pregnant, because immediately people treat you like you have

416
00:18:29,520 --> 00:18:31,600
Speaker 3: a disability or like.

417
00:18:31,560 --> 00:18:33,960
Speaker 1: If you go on maternity leave for a few months.

418
00:18:34,000 --> 00:18:36,280
Speaker 1: But Cardi B is not. She's not like an accountant.

419
00:18:36,280 --> 00:18:39,040
Speaker 3: Okay, whatever, She's gonna be on a gold yacht somewhere

420
00:18:39,119 --> 00:18:41,440
Speaker 3: on you know, enjoying her child. But for the rest

421
00:18:41,480 --> 00:18:43,439
Speaker 3: of us, you know, maternity leave, if you're lucky to

422
00:18:43,480 --> 00:18:46,240
Speaker 3: have it, you know, twelve weeks or whatever it is

423
00:18:47,480 --> 00:18:49,800
Speaker 3: to go away into that fear that you have that Okay,

424
00:18:49,840 --> 00:18:53,120
Speaker 3: I'm gonna take this, this maternity leave that I am

425
00:18:53,280 --> 00:18:56,400
Speaker 3: entitled to and privileged enough to have. But while I'm gone,

426
00:18:56,480 --> 00:18:58,679
Speaker 3: who's gonna take my job? Or who's gonna you know,

427
00:18:58,720 --> 00:19:01,399
Speaker 3: am I gonna get looked over for promotion or a

428
00:19:01,520 --> 00:19:04,359
Speaker 3: raise because people are like, oh, well, you know, she

429
00:19:04,520 --> 00:19:06,159
Speaker 3: was gone for these three months, so she really know

430
00:19:06,200 --> 00:19:07,960
Speaker 3: what if she if she is she really up for

431
00:19:08,000 --> 00:19:11,439
Speaker 3: the challenge? Or if you tell someone that, you know,

432
00:19:11,520 --> 00:19:13,600
Speaker 3: telling them early on that you're pregnant, and then them

433
00:19:13,600 --> 00:19:16,119
Speaker 3: just treating you differently like, oh you don't you know,

434
00:19:16,240 --> 00:19:19,280
Speaker 3: you're you're in a delicate condition, like you can't probably

435
00:19:19,320 --> 00:19:21,920
Speaker 3: handle all this work. And it made me so mad

436
00:19:22,040 --> 00:19:25,840
Speaker 3: because I'm like Cardi b come on, she's a celebrity,

437
00:19:25,880 --> 00:19:28,399
Speaker 3: she'll be she'll be more fine. It's it's it just

438
00:19:28,440 --> 00:19:31,840
Speaker 3: made me think about the other women who aren't in

439
00:19:31,920 --> 00:19:34,159
Speaker 3: that position, you know, a position where they have a

440
00:19:34,200 --> 00:19:36,520
Speaker 3: lot of money and a lot of fame, that are

441
00:19:36,800 --> 00:19:40,040
Speaker 3: you know, have regular old jobs, but deal with this

442
00:19:40,119 --> 00:19:42,520
Speaker 3: kind of stigma just because they have the audacity to

443
00:19:42,520 --> 00:19:44,679
Speaker 3: have a child. And I might be a little sensitive

444
00:19:44,680 --> 00:19:47,879
Speaker 3: about it, since I myself have been considering starting a

445
00:19:47,920 --> 00:19:52,480
Speaker 3: family and being in my position wondering or thinking, Okay,

446
00:19:52,480 --> 00:19:54,399
Speaker 3: how can I set up my job right now so

447
00:19:54,440 --> 00:19:56,960
Speaker 3: that when I when I choose to step away, I

448
00:19:57,000 --> 00:19:59,280
Speaker 3: can come back and it's it won't be this, you know,

449
00:19:59,400 --> 00:20:03,600
Speaker 3: massive I don't know this this massive shift and how

450
00:20:03,680 --> 00:20:06,560
Speaker 3: people respond to me in the workplace.

451
00:20:07,720 --> 00:20:07,960
Speaker 2: Yeah.

452
00:20:08,080 --> 00:20:09,960
Speaker 4: I mean, it's so funny that you mentioned Cardi B.

453
00:20:10,040 --> 00:20:14,600
Speaker 4: Because actually I was going to boost but the same

454
00:20:14,640 --> 00:20:16,160
Speaker 4: thing I was gonna say, you know what, I'm gonna

455
00:20:16,160 --> 00:20:22,560
Speaker 4: boost Cardi B because she is so unconventional and I've

456
00:20:22,600 --> 00:20:26,440
Speaker 4: just seen I know, and but you know what I

457
00:20:26,520 --> 00:20:30,040
Speaker 4: what I like about Cardi B is that it's very

458
00:20:30,080 --> 00:20:33,720
Speaker 4: clear that she is Cardi B, regardless of how anyone

459
00:20:34,280 --> 00:20:37,199
Speaker 4: feels about it. And you know, so many times, you know,

460
00:20:37,760 --> 00:20:40,919
Speaker 4: and I grew up like, you know, just adhering to

461
00:20:42,080 --> 00:20:44,760
Speaker 4: good girl politics, you know, like don't talk too loud,

462
00:20:45,200 --> 00:20:49,719
Speaker 4: don't be too wild, you know, don't don't I don't know,

463
00:20:50,040 --> 00:20:52,880
Speaker 4: like you know, just this is the this is how

464
00:20:53,000 --> 00:20:55,840
Speaker 4: good girls act and as a result, you know, this

465
00:20:55,960 --> 00:20:58,200
Speaker 4: is what you get, you know, as a surprise.

466
00:20:58,359 --> 00:21:00,560
Speaker 2: And it's just nice to see.

467
00:21:00,320 --> 00:21:04,920
Speaker 4: That, like, you know, that someone is not following that

468
00:21:05,040 --> 00:21:09,640
Speaker 4: formula and it is winning in her own way. And

469
00:21:09,880 --> 00:21:12,760
Speaker 4: it's just nice because I you know, I feel like,

470
00:21:13,040 --> 00:21:15,439
Speaker 4: you know, it took me forever to shed and I

471
00:21:15,440 --> 00:21:17,080
Speaker 4: probably haven't shed all of it. I would say probably

472
00:21:17,119 --> 00:21:20,159
Speaker 4: like eighty percent of that, Like, oh, I've got to

473
00:21:20,160 --> 00:21:22,600
Speaker 4: be in a certain way in order to be respectable,

474
00:21:22,680 --> 00:21:25,320
Speaker 4: in order to be you know, you have to behave

475
00:21:25,440 --> 00:21:27,320
Speaker 4: like a certain like a young lady. You have to

476
00:21:27,560 --> 00:21:29,520
Speaker 4: remember my first boyfriend would always tell me like, oh,

477
00:21:29,560 --> 00:21:31,639
Speaker 4: it took me, you know, to really tell me. That

478
00:21:31,800 --> 00:21:34,800
Speaker 4: was because I am a bit wild, not like wild

479
00:21:34,920 --> 00:21:37,600
Speaker 4: like in these streets wild, but like wild, like like

480
00:21:38,040 --> 00:21:41,040
Speaker 4: uninhibited and silly and loud and fun and you know,

481
00:21:41,200 --> 00:21:45,080
Speaker 4: and so it's just nice to see, like, oh, wild

482
00:21:45,119 --> 00:21:47,119
Speaker 4: girls can can rock out too, you know.

483
00:21:47,800 --> 00:21:51,480
Speaker 1: And you know, like who would CARDI be? What would

484
00:21:51,480 --> 00:21:53,480
Speaker 1: the reaction be if Cardid worked at like Chase Bank.

485
00:21:53,720 --> 00:21:56,040
Speaker 4: I don't know, I know, But what I just mean

486
00:21:56,119 --> 00:21:57,520
Speaker 4: is that that she found what I like, is that

487
00:21:57,560 --> 00:22:00,560
Speaker 4: she found her own lane, and like, you know that

488
00:22:01,200 --> 00:22:04,439
Speaker 4: if you are not subdued, which is nothing wrong with that,

489
00:22:04,440 --> 00:22:07,399
Speaker 4: that's just not your natural personality. It's okay that you

490
00:22:07,480 --> 00:22:11,080
Speaker 4: can find a space where you can express your natural

491
00:22:11,080 --> 00:22:15,240
Speaker 4: self and still be successful. And so it's just a

492
00:22:15,359 --> 00:22:17,720
Speaker 4: nice departure from that because I look at I don't

493
00:22:17,720 --> 00:22:19,240
Speaker 4: know if you remember, do you remember was it the

494
00:22:19,280 --> 00:22:21,800
Speaker 4: Oscars where Tiffany Hattish kind of ran up to MARYL.

495
00:22:21,880 --> 00:22:23,120
Speaker 2: Street. Did you see that, like.

496
00:22:23,119 --> 00:22:25,120
Speaker 1: Meme ran up to her.

497
00:22:25,560 --> 00:22:27,679
Speaker 2: Yeah, she like like ran up to her, like oh

498
00:22:27,680 --> 00:22:28,639
Speaker 2: my gosh, my gosh, my god.

499
00:22:28,840 --> 00:22:32,200
Speaker 1: Like, yes, she's a good example of like herself.

500
00:22:32,760 --> 00:22:38,000
Speaker 4: Yes, And people were like, oh my gosh, she embarrassed herself. Yes,

501
00:22:38,400 --> 00:22:40,560
Speaker 4: And I thought to myself, like, oh my goodness. This

502
00:22:40,600 --> 00:22:42,800
Speaker 4: is a girl who, like she had like the most

503
00:22:42,840 --> 00:22:46,359
Speaker 4: popular movie in two thousand and seventeen or eighteen whenever

504
00:22:46,359 --> 00:22:49,600
Speaker 4: it came out, and like she is killing it and

505
00:22:49,640 --> 00:22:52,120
Speaker 4: she used to be homeless, and this is a girl

506
00:22:52,160 --> 00:22:55,080
Speaker 4: who was like raised by her grandma and her father left.

507
00:22:55,160 --> 00:22:58,119
Speaker 4: I just like, I just it's so crazy to me

508
00:22:58,240 --> 00:23:01,360
Speaker 4: that people are still trying to stamp out like ooh,

509
00:23:01,880 --> 00:23:04,400
Speaker 4: you know, you're not being respectable, like this is that's

510
00:23:04,440 --> 00:23:06,680
Speaker 4: not how good girls act. And I'm just like, man,

511
00:23:06,720 --> 00:23:10,240
Speaker 4: if you're a wild girl, know that, you know, you

512
00:23:10,320 --> 00:23:13,240
Speaker 4: might not fit into normal, regular society and you might

513
00:23:13,320 --> 00:23:16,960
Speaker 4: have to carve your own space out, but there is

514
00:23:17,080 --> 00:23:20,159
Speaker 4: success for you outside of like you know, you know,

515
00:23:20,280 --> 00:23:23,960
Speaker 4: the status quo, because you know, for a long time,

516
00:23:24,000 --> 00:23:26,000
Speaker 4: I really just held a lot back of like, oh,

517
00:23:26,040 --> 00:23:26,679
Speaker 4: you know, I don't want to.

518
00:23:26,640 --> 00:23:29,680
Speaker 2: Be too too wild. Now I'm like, man, I could

519
00:23:29,720 --> 00:23:31,160
Speaker 2: do what I want. I could do what I want.

520
00:23:32,359 --> 00:23:34,160
Speaker 1: I'll say your own damn boss. So who's gonna tell

521
00:23:34,160 --> 00:23:34,359
Speaker 1: you now?

522
00:23:34,920 --> 00:23:35,400
Speaker 2: Exactly?

523
00:23:35,440 --> 00:23:37,240
Speaker 4: Like literally, I could tell a brand that the other day,

524
00:23:37,320 --> 00:23:39,840
Speaker 4: I was like, oh, because they were trying to pressure

525
00:23:39,840 --> 00:23:43,440
Speaker 4: me into doing something, and I was like, I actually said, sir,

526
00:23:44,080 --> 00:23:46,480
Speaker 4: I don't have to follow listen to anybody, but dream

527
00:23:46,520 --> 00:23:46,920
Speaker 4: catches in.

528
00:23:47,000 --> 00:23:52,760
Speaker 2: Jesus, he didn't find that funny. Jesus, he didn't find

529
00:23:52,760 --> 00:23:54,960
Speaker 2: it funny. So need just to say we're not working together,

530
00:23:55,000 --> 00:23:56,760
Speaker 2: but either way, I don't care, because I was like,

531
00:23:57,240 --> 00:23:58,840
Speaker 2: so I don't work for you. I could do what

532
00:23:58,880 --> 00:24:01,199
Speaker 2: I want, like you know, because well, like you're not

533
00:24:01,240 --> 00:24:03,520
Speaker 2: going to pay me extra money. No.

534
00:24:04,000 --> 00:24:05,960
Speaker 4: I set up my business in a way on purpose

535
00:24:06,040 --> 00:24:08,560
Speaker 4: that the people that I have to serve are the

536
00:24:08,560 --> 00:24:09,280
Speaker 4: ones that pay me.

537
00:24:09,320 --> 00:24:10,680
Speaker 2: And what it means is.

538
00:24:10,560 --> 00:24:14,320
Speaker 4: That the better the better I serve women like me,

539
00:24:15,119 --> 00:24:18,359
Speaker 4: the better my businesses. So I never have to worry,

540
00:24:18,400 --> 00:24:20,040
Speaker 4: like if I work with a brand, it's because I

541
00:24:20,119 --> 00:24:24,080
Speaker 4: like it on purpose. Keep the money that I make

542
00:24:24,119 --> 00:24:27,600
Speaker 4: from brands like less than ten percent of my overall income.

543
00:24:27,840 --> 00:24:29,920
Speaker 4: So that way, if I have to tell a brand

544
00:24:29,960 --> 00:24:32,399
Speaker 4: to Cake Rocks, I don't care, like, you know, my

545
00:24:32,480 --> 00:24:35,960
Speaker 4: income really comes from serving women like me, and so like, yeah,

546
00:24:36,000 --> 00:24:37,520
Speaker 4: he didn't like that, and I was like, I don't care,

547
00:24:38,359 --> 00:24:39,720
Speaker 4: you know, if you're not gonna do right by the

548
00:24:39,760 --> 00:24:41,239
Speaker 4: dream caactors, I don't care how much money you say

549
00:24:41,240 --> 00:24:43,960
Speaker 4: you gonna put in my pocket, you know. So yeah,

550
00:24:44,000 --> 00:24:46,480
Speaker 4: I just want to say big ups Cardi B and

551
00:24:46,520 --> 00:24:49,840
Speaker 4: the Tiffany Hattish and wild girls out there everywhere. It's

552
00:24:49,920 --> 00:24:52,359
Speaker 4: not an easy life, but if you can make your

553
00:24:52,400 --> 00:24:54,040
Speaker 4: own way and you're willing to put in the work,

554
00:24:54,400 --> 00:24:56,040
Speaker 4: there is success for you as well.

555
00:24:56,640 --> 00:24:58,960
Speaker 3: I remember when we first launched Brown Audition. I was

556
00:24:59,680 --> 00:25:02,399
Speaker 3: think and I was talking to someone about our I

557
00:25:02,400 --> 00:25:04,119
Speaker 3: think we had just launched or we're launching it the

558
00:25:04,119 --> 00:25:06,359
Speaker 3: week after or something like that, and I mentioned the

559
00:25:06,440 --> 00:25:09,280
Speaker 3: name of the show, and the reaction was, you want

560
00:25:09,320 --> 00:25:13,040
Speaker 3: to call it Brown Ambition? Aren't you afraid of alienating

561
00:25:13,080 --> 00:25:16,199
Speaker 3: some people? And I was like, nah, not afraid, Like

562
00:25:16,600 --> 00:25:19,320
Speaker 3: I mean, that's the appeal of we're unapologetic about who

563
00:25:19,359 --> 00:25:22,159
Speaker 3: we are speaking to. I mean, everyone's invited to the table.

564
00:25:22,600 --> 00:25:25,720
Speaker 3: But you know, this is about you know, this is

565
00:25:25,760 --> 00:25:29,159
Speaker 3: about speaking to the Brown experiences as a woman in

566
00:25:29,200 --> 00:25:31,800
Speaker 3: your career and with your finances, and empowering a group

567
00:25:31,800 --> 00:25:33,640
Speaker 3: of people that has been left out of a lot

568
00:25:33,640 --> 00:25:36,160
Speaker 3: of those conversations. So yeah, I mean this Brown Ambition

569
00:25:36,280 --> 00:25:40,840
Speaker 3: is about, is about aspirations, It's about the special kind

570
00:25:40,840 --> 00:25:43,119
Speaker 3: of ambition and perseverance it takes as a Brown woman

571
00:25:44,160 --> 00:25:46,639
Speaker 3: or man in this country to make it. And I

572
00:25:46,680 --> 00:25:47,680
Speaker 3: don't think there's anything.

573
00:25:47,480 --> 00:25:47,919
Speaker 1: Wrong with that.

574
00:25:48,000 --> 00:25:50,159
Speaker 3: And I think that when you're when you're honest, and

575
00:25:50,200 --> 00:25:52,960
Speaker 3: you're in who you are and presenting yourself and your message,

576
00:25:53,000 --> 00:25:55,560
Speaker 3: and I mean, I don't think that we've alienated anyone.

577
00:25:55,600 --> 00:25:57,280
Speaker 3: I think that we've just empowered some people. But if

578
00:25:57,320 --> 00:25:59,440
Speaker 3: you find that alienating, then there's something probably a little

579
00:25:59,480 --> 00:26:01,000
Speaker 3: wrong with you.

580
00:26:01,760 --> 00:26:02,160
Speaker 2: Exactly.

581
00:26:02,520 --> 00:26:04,600
Speaker 3: So basically, where the CARDI b a podcasting is what

582
00:26:04,640 --> 00:26:10,200
Speaker 3: I'm trying to say. What if she says, what is everything?

583
00:26:11,920 --> 00:26:19,240
Speaker 3: Because she does like this bird call thing? No, all right,

584
00:26:19,280 --> 00:26:34,320
Speaker 3: I just found my chewbaka. Okay, moving on, moving on

585
00:26:34,359 --> 00:26:37,800
Speaker 3: to some calls shows. I have a question for you

586
00:26:37,840 --> 00:26:40,880
Speaker 3: Brand Ambition listeners. Do you want to help us get

587
00:26:40,880 --> 00:26:43,359
Speaker 3: some advertisers. We need to get at least two hundred

588
00:26:43,359 --> 00:26:46,640
Speaker 3: and fifty brand Ambition listeners to fill out this short,

589
00:26:46,680 --> 00:26:48,640
Speaker 3: seven question survey to.

590
00:26:48,800 --> 00:26:51,200
Speaker 1: Help us get some ads up.

591
00:26:51,119 --> 00:26:54,040
Speaker 3: In the show, which will be amazing. So I'm going

592
00:26:54,119 --> 00:26:56,120
Speaker 3: to put a link in the show notes to this

593
00:26:56,160 --> 00:27:00,000
Speaker 3: really short surveys. It's through Libson, where we host our podcast.

594
00:27:00,240 --> 00:27:02,000
Speaker 3: Just fill out this really short survey. It will be

595
00:27:02,000 --> 00:27:04,880
Speaker 3: a huge help. And that's all I have to say

596
00:27:04,880 --> 00:27:05,240
Speaker 3: about that.

597
00:27:06,000 --> 00:27:08,480
Speaker 4: Yeah, I say it's literally like not even one minute.

598
00:27:08,520 --> 00:27:09,480
Speaker 4: You're like click, click click.

599
00:27:09,800 --> 00:27:11,560
Speaker 3: I kind of wish they'd ask more about our listeners.

600
00:27:11,600 --> 00:27:13,040
Speaker 1: So so many questions I want to know, like do

601
00:27:13,080 --> 00:27:13,840
Speaker 1: you have kids?

602
00:27:13,880 --> 00:27:16,800
Speaker 3: I don't know, do you want to own a house someday? Anyway,

603
00:27:16,800 --> 00:27:19,000
Speaker 3: but seven short questions it would be a huge help.

604
00:27:19,280 --> 00:27:21,240
Speaker 3: You can find a link in the iTunes show notes,

605
00:27:21,359 --> 00:27:23,560
Speaker 3: or you can go to brand Ambition podcast dot com

606
00:27:23,720 --> 00:27:27,560
Speaker 3: and I'll post and I'll post it. I'll post it

607
00:27:27,600 --> 00:27:29,480
Speaker 3: in the in the post for today show.

608
00:27:30,000 --> 00:27:31,359
Speaker 2: I like catching your garback.

609
00:27:32,200 --> 00:27:33,520
Speaker 1: I never know if that's coming.

610
00:27:35,280 --> 00:27:36,240
Speaker 2: Because I can do what I want.

611
00:27:36,359 --> 00:27:37,040
Speaker 1: It's exciting.

612
00:27:38,560 --> 00:27:41,920
Speaker 3: But no to your questions, yes questions. I have a

613
00:27:42,000 --> 00:27:44,720
Speaker 3: question from someone who wants to remain anonymous. She's a

614
00:27:45,000 --> 00:27:50,399
Speaker 3: she's a science a science whiz. Here's here's a question. Okay, Hello,

615
00:27:50,560 --> 00:27:53,240
Speaker 3: I'm a twenty eight year old chemist for a small company.

616
00:27:53,600 --> 00:27:55,440
Speaker 3: I have been with this company for a little over

617
00:27:55,520 --> 00:27:58,560
Speaker 3: three years. Since I've been working here, I've been making

618
00:27:58,640 --> 00:28:01,119
Speaker 3: slow and steady progress my career and I work my

619
00:28:01,160 --> 00:28:03,840
Speaker 3: bet off. I have noticed since I've been here, two

620
00:28:03,960 --> 00:28:07,040
Speaker 3: girls who started after me and no less than me

621
00:28:07,520 --> 00:28:10,920
Speaker 3: have become leads and managers of departments at my company.

622
00:28:11,240 --> 00:28:13,679
Speaker 3: I am starting to feel some type of way because

623
00:28:13,680 --> 00:28:15,359
Speaker 3: one of the girls has been here less than a

624
00:28:15,440 --> 00:28:18,520
Speaker 3: year and I trained her. I recently found out that

625
00:28:18,600 --> 00:28:21,920
Speaker 3: both girls are good friends with the supervisor of my department.

626
00:28:22,240 --> 00:28:25,920
Speaker 3: How do I handle this situation? Anonymous?

627
00:28:26,640 --> 00:28:29,320
Speaker 4: Ah, Molly, did you watch Insecure?

628
00:28:30,320 --> 00:28:30,520
Speaker 2: Yeah?

629
00:28:30,560 --> 00:28:32,280
Speaker 1: I will be in secure. Did this happen on the show?

630
00:28:32,640 --> 00:28:32,880
Speaker 2: Yeah?

631
00:28:33,000 --> 00:28:36,159
Speaker 4: Molly found out that her coworker guy was making like

632
00:28:36,240 --> 00:28:37,000
Speaker 4: way more than her.

633
00:28:37,560 --> 00:28:40,040
Speaker 3: Oh yeah, that's yeah, that's like a paything. This is

634
00:28:40,040 --> 00:28:42,360
Speaker 3: a little bit Well, she doesn't mention pay I'm assuming

635
00:28:42,400 --> 00:28:44,000
Speaker 3: they probably make more than she does. But this is

636
00:28:44,120 --> 00:28:47,080
Speaker 3: like two women getting haired after you and getting promoted

637
00:28:47,320 --> 00:28:48,560
Speaker 3: to be the leads of the department.

638
00:28:48,560 --> 00:28:50,520
Speaker 1: I would feel some type of way about that too.

639
00:28:51,240 --> 00:28:55,000
Speaker 4: Yeah, I feel like I don't have good experience with this,

640
00:28:55,040 --> 00:28:57,240
Speaker 4: so I'm gonna like, I mean, other than saying I

641
00:28:57,320 --> 00:29:00,520
Speaker 4: probably would probably honestly be interviewing for other position, I

642
00:29:00,520 --> 00:29:03,160
Speaker 4: feel like I haven't been in the workforce been so long.

643
00:29:03,280 --> 00:29:04,600
Speaker 2: What's say you, Mandy.

644
00:29:04,720 --> 00:29:06,680
Speaker 3: Well, you know, I mean I think there's there's a

645
00:29:06,720 --> 00:29:08,800
Speaker 3: lot of like parallel. So that's maybe in the entrepreneur

646
00:29:08,880 --> 00:29:11,720
Speaker 3: like if you like, if you had been working for

647
00:29:11,760 --> 00:29:13,320
Speaker 3: a company for a while and you find out that

648
00:29:13,360 --> 00:29:17,000
Speaker 3: two other you know, I don't know, Penny ni Ste

649
00:29:17,400 --> 00:29:21,320
Speaker 3: and the shopping nie Ste like double got a double

650
00:29:21,560 --> 00:29:24,800
Speaker 3: you know, offer for for like a sponsorship that's worth

651
00:29:24,800 --> 00:29:25,960
Speaker 3: twice as much as a sponsorship.

652
00:29:26,040 --> 00:29:27,520
Speaker 2: You know, that didn't happen.

653
00:29:27,720 --> 00:29:31,080
Speaker 4: So this woman emailed me by mistake somebody else's contract,

654
00:29:31,360 --> 00:29:31,800
Speaker 4: and that's a.

655
00:29:31,880 --> 00:29:32,920
Speaker 2: Hold up, wait a minute.

656
00:29:35,400 --> 00:29:37,520
Speaker 4: So that was I was like, yeah, so I see

657
00:29:37,600 --> 00:29:40,800
Speaker 4: that x y Z is getting like double that what

658
00:29:40,880 --> 00:29:44,080
Speaker 4: you guys are trying to pay me. So we're gonna

659
00:29:44,120 --> 00:29:46,240
Speaker 4: have to have a conversation before I move forward with anything.

660
00:29:46,560 --> 00:29:48,200
Speaker 4: And I know they were like, gosh, darn it.

661
00:29:48,120 --> 00:29:49,640
Speaker 2: It's like whoopsie yep.

662
00:29:49,680 --> 00:29:52,040
Speaker 4: And so I just honestly, I just asked, so aside

663
00:29:52,040 --> 00:29:55,640
Speaker 4: from you know, maybe looking for I mean, unless you

664
00:29:55,720 --> 00:29:57,640
Speaker 4: really love this job, but it's always good too to

665
00:29:58,200 --> 00:30:02,160
Speaker 4: see where else you could be appreciated, I would are

666
00:30:02,160 --> 00:30:03,280
Speaker 4: you asking.

667
00:30:03,600 --> 00:30:04,760
Speaker 2: For the next level?

668
00:30:04,880 --> 00:30:08,160
Speaker 4: Sometimes I feel like women say I'm going to work

669
00:30:08,160 --> 00:30:09,640
Speaker 4: hard and hope somebody notices.

670
00:30:10,040 --> 00:30:13,440
Speaker 1: Mm hmmm, yeah, you know, okay.

671
00:30:12,600 --> 00:30:14,520
Speaker 4: You know, are you saying like, oh, so of course

672
00:30:14,520 --> 00:30:17,080
Speaker 4: you want to work hard, but are you making it

673
00:30:17,120 --> 00:30:20,040
Speaker 4: a point to make sure people notice and say, hey,

674
00:30:20,240 --> 00:30:23,360
Speaker 4: you know, hey John, you know, could I have a

675
00:30:23,400 --> 00:30:25,800
Speaker 4: conversation with you? Bring your brag folder where you kind

676
00:30:25,800 --> 00:30:27,240
Speaker 4: of list of like, you know, I've done this and

677
00:30:27,280 --> 00:30:29,560
Speaker 4: this and this, and I really like working here and

678
00:30:29,600 --> 00:30:32,080
Speaker 4: I really would like to take on some more responsibility.

679
00:30:32,760 --> 00:30:35,120
Speaker 4: I'd like to be considered for x y Z, Like

680
00:30:35,160 --> 00:30:37,880
Speaker 4: I don't you haven't said the chemus if if that's

681
00:30:37,920 --> 00:30:40,240
Speaker 4: something that you've done, but it's certainly something you certainly

682
00:30:40,280 --> 00:30:40,719
Speaker 4: should do.

683
00:30:41,400 --> 00:30:44,600
Speaker 3: Here's what what struck me about her her question. She mentions,

684
00:30:44,680 --> 00:30:46,720
Speaker 3: I've been with this company for a little over three years.

685
00:30:46,720 --> 00:30:49,800
Speaker 3: Since then, I've been working here, making slow and steady

686
00:30:49,840 --> 00:30:52,080
Speaker 3: progress in my career, and I work my butt off.

687
00:30:52,560 --> 00:30:54,960
Speaker 3: It almost sounds to me, and you know, I totally

688
00:30:54,960 --> 00:30:56,800
Speaker 3: get this. I mean, you think when you come into

689
00:30:56,800 --> 00:30:58,280
Speaker 3: a company, you know at the time she was twenty

690
00:30:58,320 --> 00:31:00,920
Speaker 3: four or twenty five years old. Because she's twenty eight,

691
00:31:01,120 --> 00:31:03,440
Speaker 3: she's probably thinking, Okay, I'm going to pay my dues.

692
00:31:03,520 --> 00:31:05,440
Speaker 3: I'm just going to keep my head down, do my work,

693
00:31:05,480 --> 00:31:08,400
Speaker 3: and people will notice me and obviously I'll get promoted, right,

694
00:31:08,880 --> 00:31:11,640
Speaker 3: But other people don't always play the game that way,

695
00:31:11,720 --> 00:31:13,480
Speaker 3: and sometimes that's not the best way to play it.

696
00:31:13,760 --> 00:31:16,880
Speaker 3: Sometimes this squeaky wheel does get the does get the grease?

697
00:31:17,080 --> 00:31:20,160
Speaker 1: Is that the expression I'm bad at my yea squiaki

698
00:31:20,200 --> 00:31:21,160
Speaker 1: wheel gets the grease?

699
00:31:22,400 --> 00:31:23,440
Speaker 2: So I don't know, real.

700
00:31:24,600 --> 00:31:27,959
Speaker 3: Yeah, but I agree. I think if you have to

701
00:31:27,960 --> 00:31:30,560
Speaker 3: be more intentional, and you actually need to at least

702
00:31:30,680 --> 00:31:33,280
Speaker 3: twice a year, you know, whether it's during your annimal review,

703
00:31:33,360 --> 00:31:36,000
Speaker 3: or at least you know sometime during the year, have

704
00:31:36,400 --> 00:31:39,560
Speaker 3: consistent conversations with your managers and tell them what your

705
00:31:39,560 --> 00:31:42,160
Speaker 3: ambitions are, tell them how you see yourself. You know,

706
00:31:42,240 --> 00:31:43,840
Speaker 3: I want to become a leader. I want to be

707
00:31:43,880 --> 00:31:45,840
Speaker 3: sure that you know we're on the same page and

708
00:31:45,960 --> 00:31:48,600
Speaker 3: I'm on track to take on more responsibility. It's not

709
00:31:48,680 --> 00:31:50,840
Speaker 3: just about doing the job that you're doing really well,

710
00:31:51,080 --> 00:31:53,880
Speaker 3: but find ways to take on more responsibilities and show

711
00:31:53,920 --> 00:31:57,239
Speaker 3: and demonstrate that you're hungry for more. I think that

712
00:31:57,960 --> 00:31:59,840
Speaker 3: you know, and I agree with Tiffany. You know you

713
00:31:59,840 --> 00:32:02,600
Speaker 3: can't wait for someone to tap you on the shoulder

714
00:32:02,640 --> 00:32:05,600
Speaker 3: and be like you you are the one. You know,

715
00:32:05,640 --> 00:32:08,800
Speaker 3: I've I've watched you. You're Cinderella. Come take this glass, slipper.

716
00:32:09,400 --> 00:32:11,760
Speaker 3: It won't always work that way. And I also don't

717
00:32:11,760 --> 00:32:13,680
Speaker 3: want you to get too bitter about the girls who

718
00:32:13,720 --> 00:32:16,240
Speaker 3: came after you and you think no less than you.

719
00:32:16,240 --> 00:32:18,920
Speaker 3: Don't focus on them because they're not so much the problem.

720
00:32:19,040 --> 00:32:21,080
Speaker 3: It's to ever tap them on the shoulder and gave

721
00:32:21,120 --> 00:32:23,440
Speaker 3: them the opportunity. I mean, maybe you should talk to

722
00:32:23,480 --> 00:32:26,040
Speaker 3: them and ask them. You know, I'm really curious. I'm

723
00:32:26,040 --> 00:32:28,840
Speaker 3: interested in becoming a manager someday, would you mind grabbing

724
00:32:28,840 --> 00:32:32,440
Speaker 3: a coffee and telling me about you know, how you

725
00:32:32,480 --> 00:32:34,880
Speaker 3: got to where you are, opening that door to them,

726
00:32:35,040 --> 00:32:38,360
Speaker 3: because I mean, maybe you know now that whether or

727
00:32:38,400 --> 00:32:40,680
Speaker 3: not it's it feels right or whatever, it makes you

728
00:32:40,680 --> 00:32:43,200
Speaker 3: feel a woman fezzy inside. But if they're in a

729
00:32:43,360 --> 00:32:45,920
Speaker 3: leadership position now, maybe they could turn around and bring

730
00:32:45,960 --> 00:32:48,960
Speaker 3: you up, you know, if you tell them that you're interested,

731
00:32:49,080 --> 00:32:50,760
Speaker 3: or you know, put in a good word for you

732
00:32:50,840 --> 00:32:53,720
Speaker 3: with the supervisor that they apparently know, but you know,

733
00:32:53,920 --> 00:32:55,920
Speaker 3: kind of kind of flip it. Don't get stuck in

734
00:32:55,960 --> 00:32:59,080
Speaker 3: the bitterness or feeling like you're not getting what you deserve.

735
00:33:00,240 --> 00:33:03,240
Speaker 3: Try and try and make a positive make it a

736
00:33:03,280 --> 00:33:08,240
Speaker 3: positive opportunity to build a relationship with them. Also, definitely,

737
00:33:08,240 --> 00:33:10,520
Speaker 3: if you haven't yet raise your hand, ask for a

738
00:33:10,560 --> 00:33:13,480
Speaker 3: meeting with your supervisor and tell don't even bring up

739
00:33:13,680 --> 00:33:15,600
Speaker 3: with the women who got promoted over you. Just talk

740
00:33:15,640 --> 00:33:18,479
Speaker 3: about yourself and how you want that maybe you can

741
00:33:18,520 --> 00:33:20,560
Speaker 3: vaguely say, you know, I notice other people are being

742
00:33:20,560 --> 00:33:23,240
Speaker 3: recognized and I just want you to know that, you know,

743
00:33:23,360 --> 00:33:26,640
Speaker 3: I have been working hard and I want more to

744
00:33:26,720 --> 00:33:30,280
Speaker 3: this job too. And then once you've put your cards

745
00:33:30,320 --> 00:33:33,160
Speaker 3: on the table. If their reaction is, now, we have

746
00:33:33,200 --> 00:33:35,960
Speaker 3: nothing for you. You know, we don't really see your potential.

747
00:33:36,000 --> 00:33:37,880
Speaker 3: Even that's kind of harsh. But if you get the

748
00:33:37,960 --> 00:33:40,640
Speaker 3: vibe from them that they're not going to create that

749
00:33:40,640 --> 00:33:42,160
Speaker 3: path for you, or you're not going to help you

750
00:33:42,480 --> 00:33:45,000
Speaker 3: push on that path, I'll.

751
00:33:44,760 --> 00:33:45,480
Speaker 1: Show you the door.

752
00:33:45,560 --> 00:33:48,920
Speaker 3: You need to start looking for other jobs, because then

753
00:33:48,960 --> 00:33:50,680
Speaker 3: you look for another job and you know, okay, this

754
00:33:50,760 --> 00:33:53,000
Speaker 3: is a dead end for me. And you've given them

755
00:33:53,000 --> 00:33:55,320
Speaker 3: a chance to make you, you know, give you a

756
00:33:55,360 --> 00:33:57,800
Speaker 3: reason to stay, and they haven't, you know, given you

757
00:33:57,880 --> 00:33:59,760
Speaker 3: anything to They haven't given you that reason.

758
00:33:59,800 --> 00:34:01,400
Speaker 1: So you're entirely within your rights.

759
00:34:01,400 --> 00:34:03,360
Speaker 3: And I think it's a smart thing to start looking

760
00:34:03,400 --> 00:34:06,720
Speaker 3: for work elsewhere, take your great work ethic, and move

761
00:34:06,760 --> 00:34:09,520
Speaker 3: on and possibly leverage your new move to a higher

762
00:34:09,560 --> 00:34:11,480
Speaker 3: position somewhere else now that you've got a few years

763
00:34:11,480 --> 00:34:12,760
Speaker 3: of experience under your belt.

764
00:34:13,880 --> 00:34:18,440
Speaker 4: Yeah, no, I agree, I think that. No, honestly, I

765
00:34:19,040 --> 00:34:22,239
Speaker 4: think that's perfectly stated. Is that try and then if not,

766
00:34:22,520 --> 00:34:24,520
Speaker 4: then you can move on knowing that you've done what

767
00:34:24,600 --> 00:34:28,160
Speaker 4: you would which all that you can do. But say something,

768
00:34:28,640 --> 00:34:30,920
Speaker 4: you know, don't wait for people to notice, because oftentimes

769
00:34:30,920 --> 00:34:33,120
Speaker 4: people don't absolutely.

770
00:34:33,200 --> 00:34:35,480
Speaker 1: I mean people, you know, and and it's it.

771
00:34:35,600 --> 00:34:37,879
Speaker 3: They may not notice and I'm going to talk about

772
00:34:37,880 --> 00:34:39,759
Speaker 3: this later during my win, but I'm gonna save it.

773
00:34:40,040 --> 00:34:42,920
Speaker 1: They may not. They may notice it, but still like.

774
00:34:42,960 --> 00:34:45,560
Speaker 3: Not they they may not. They just may be too

775
00:34:45,560 --> 00:34:48,759
Speaker 3: busy or too wrapped up in other things. And then

776
00:34:48,800 --> 00:34:51,000
Speaker 3: once you finally raise your hand and make them notice it,

777
00:34:51,120 --> 00:34:53,239
Speaker 3: they will have time to look at you and say, oh,

778
00:34:53,280 --> 00:34:55,120
Speaker 3: you're you know, you're right, and I have overlooked this,

779
00:34:56,160 --> 00:34:58,160
Speaker 3: you know. Give them a give them the benefit of

780
00:34:58,160 --> 00:35:02,000
Speaker 3: the doubt, I guess by by at least, and the respect,

781
00:35:02,080 --> 00:35:03,800
Speaker 3: you know, to sit them down and give them a

782
00:35:03,880 --> 00:35:07,799
Speaker 3: chance to to recognize everything that you've been doing for them.

783
00:35:08,840 --> 00:35:09,320
Speaker 2: Exactly.

784
00:35:10,000 --> 00:35:10,800
Speaker 1: Good luck chemist.

785
00:35:11,200 --> 00:35:12,840
Speaker 3: We'll call it an anonymous chemist.

786
00:35:13,320 --> 00:35:14,200
Speaker 2: Yeah.

787
00:35:14,239 --> 00:35:14,839
Speaker 1: I'm trying to think.

788
00:35:14,880 --> 00:35:17,799
Speaker 3: What's the name of the princess from Wakanda who's like

789
00:35:17,840 --> 00:35:20,759
Speaker 3: the tech girl I know, Sury Princess Surry.

790
00:35:21,280 --> 00:35:23,680
Speaker 2: Yeah, good luxury, you got a heirl.

791
00:35:24,280 --> 00:35:27,240
Speaker 3: Okay, one more question. This is a home ownership question, Tiffany.

792
00:35:27,320 --> 00:35:29,520
Speaker 3: This is actually good for you. So this is from

793
00:35:29,560 --> 00:35:32,320
Speaker 3: listener arian who says, I have a question about home buying.

794
00:35:32,800 --> 00:35:34,799
Speaker 3: I have been thinking about buying a home, and I'm

795
00:35:34,840 --> 00:35:38,280
Speaker 3: trying to learn about home buying through auctioning. Tiffany purchased

796
00:35:38,320 --> 00:35:41,000
Speaker 3: her home, her home in cash through an auction, and

797
00:35:41,040 --> 00:35:43,239
Speaker 3: I'm wondering if there's a way to get financing for

798
00:35:43,280 --> 00:35:46,600
Speaker 3: a home auction purchase. Please provide any tips or additional

799
00:35:46,600 --> 00:35:50,040
Speaker 3: advice surrounding this process. Is that true you got your

800
00:35:50,040 --> 00:35:50,960
Speaker 3: house through an auction site?

801
00:35:51,000 --> 00:35:52,160
Speaker 2: I forget I did?

802
00:35:52,840 --> 00:35:58,359
Speaker 4: Okay, all right, yeah, so yes, So if you're going

803
00:35:58,400 --> 00:36:02,959
Speaker 4: to purchase an auction in person and then no, well

804
00:36:03,320 --> 00:36:05,239
Speaker 4: you would have to bring left financing with you. So

805
00:36:05,280 --> 00:36:08,160
Speaker 4: for example, let's just say you're going to you know

806
00:36:08,200 --> 00:36:10,600
Speaker 4: you're going to because you can literally go to auction where.

807
00:36:10,400 --> 00:36:12,600
Speaker 2: They're like five, ten, fifteen, and twenty about thirty.

808
00:36:13,480 --> 00:36:15,760
Speaker 4: So, but you could go to your like say credit

809
00:36:15,840 --> 00:36:18,880
Speaker 4: Union or whatever and come ready with money that you borrow,

810
00:36:19,000 --> 00:36:23,759
Speaker 4: So you could do that way. So, but typically auctions

811
00:36:23,880 --> 00:36:26,399
Speaker 4: want the money upfront. Now, however, you whatever you did

812
00:36:26,440 --> 00:36:29,160
Speaker 4: to get it, that's up to you. But I have

813
00:36:29,239 --> 00:36:31,680
Speaker 4: seen on some auction sites that they do allow for

814
00:36:31,760 --> 00:36:35,480
Speaker 4: some financing, but not often because you have to look

815
00:36:35,520 --> 00:36:38,480
Speaker 4: at it this way. The auction site doesn't own the property.

816
00:36:38,680 --> 00:36:42,400
Speaker 4: They are merely like the middle man. They're like eBay,

817
00:36:42,760 --> 00:36:44,920
Speaker 4: you know, they don't sell the product, they're just in

818
00:36:44,920 --> 00:36:46,839
Speaker 4: the middle so they're not waiting to get paid because

819
00:36:46,880 --> 00:36:49,840
Speaker 4: auction sites typically get like a percentage or cut of

820
00:36:49,920 --> 00:36:54,480
Speaker 4: the sell of the property. So the financing probably it's

821
00:36:54,480 --> 00:36:55,880
Speaker 4: almost like if you buy a car and then you

822
00:36:55,960 --> 00:36:58,200
Speaker 4: go to your credit union and borrow all the money

823
00:36:58,200 --> 00:37:00,520
Speaker 4: and then go to the dealership and say, hey, I

824
00:37:00,600 --> 00:37:02,799
Speaker 4: have my own financing. So basically you're going to the

825
00:37:02,840 --> 00:37:05,200
Speaker 4: dealer like you're buying with cash from the dealer, but

826
00:37:05,280 --> 00:37:07,160
Speaker 4: the cash is finance from the credit union.

827
00:37:07,880 --> 00:37:10,040
Speaker 2: So but think about this.

828
00:37:09,960 --> 00:37:13,920
Speaker 4: Way, like, so my house was you know, on the

829
00:37:14,320 --> 00:37:17,200
Speaker 4: not even necessarily on the higher end as far as costs,

830
00:37:17,200 --> 00:37:21,000
Speaker 4: But you can find auctions if you're willing to look

831
00:37:21,080 --> 00:37:24,120
Speaker 4: outside of like these, Like cause I live in Newark,

832
00:37:24,160 --> 00:37:27,160
Speaker 4: which is really up and coming. It's like more and

833
00:37:27,200 --> 00:37:30,160
Speaker 4: more business and enterprises are coming here, so so houses

834
00:37:30,200 --> 00:37:31,759
Speaker 4: go for a little bit more. But I also saw

835
00:37:32,040 --> 00:37:34,000
Speaker 4: things that you can get for ten thousand dollars, but

836
00:37:34,040 --> 00:37:36,520
Speaker 4: they're run down. So that's what if you don't have

837
00:37:36,600 --> 00:37:39,520
Speaker 4: a whole lot of cash, but you know you're gonna

838
00:37:39,520 --> 00:37:42,320
Speaker 4: have to bring some cash to the table. Consider saving

839
00:37:42,400 --> 00:37:45,279
Speaker 4: up like a lump sum, because you can save five, ten,

840
00:37:45,440 --> 00:37:50,080
Speaker 4: fifteen thousand dollars, you know you can, and then purchasing

841
00:37:50,160 --> 00:37:52,359
Speaker 4: a house that needs a lot of work, and then

842
00:37:52,440 --> 00:37:55,640
Speaker 4: later financing what's called a two oh three K loan.

843
00:37:56,320 --> 00:37:59,799
Speaker 4: And what that is is that's alone specifically set aside

844
00:37:59,840 --> 00:38:03,840
Speaker 4: for innovations. So that loan becomes your mortgage, but really

845
00:38:03,880 --> 00:38:07,680
Speaker 4: the bank expects you to use that money and actually

846
00:38:07,719 --> 00:38:10,600
Speaker 4: will only disseminate that money when you show them specifically

847
00:38:10,640 --> 00:38:12,279
Speaker 4: how you're going to fix up this beat up house.

848
00:38:12,960 --> 00:38:16,560
Speaker 4: And so that's like, for example, Superman and I are

849
00:38:16,560 --> 00:38:19,040
Speaker 4: looking at a second property and it's just that it's

850
00:38:19,080 --> 00:38:21,120
Speaker 4: beat up. It's like you can't even go inside. But

851
00:38:21,200 --> 00:38:23,960
Speaker 4: the location is amazing and it's ten thousand dollars, but

852
00:38:24,000 --> 00:38:24,720
Speaker 4: the house needs.

853
00:38:24,600 --> 00:38:25,319
Speaker 2: To be tore down.

854
00:38:25,600 --> 00:38:27,960
Speaker 4: And for that we'll get a mortgage, but we'll get

855
00:38:27,960 --> 00:38:30,400
Speaker 4: a tool of three k loan and that'll be our mortgage,

856
00:38:30,400 --> 00:38:33,080
Speaker 4: and we'll fix it up and we'll we'll rent it

857
00:38:33,080 --> 00:38:36,439
Speaker 4: out or we'll airbnb it out. So there are there

858
00:38:36,480 --> 00:38:39,239
Speaker 4: are ways to get around it if you don't have

859
00:38:39,280 --> 00:38:41,680
Speaker 4: a lot of cash to put down. I was just

860
00:38:41,719 --> 00:38:43,560
Speaker 4: willing to put down a lot for this house because

861
00:38:43,560 --> 00:38:44,439
Speaker 4: we were going to live here.

862
00:38:44,840 --> 00:38:46,759
Speaker 3: And I imagine you're competing with a lot of all

863
00:38:46,800 --> 00:38:49,800
Speaker 3: cash borrowers too, So if you don't have that cash

864
00:38:49,800 --> 00:38:52,600
Speaker 3: financing you may have, it may be hard to win

865
00:38:53,280 --> 00:38:54,399
Speaker 3: some exits, right.

866
00:38:54,800 --> 00:38:55,880
Speaker 2: Yeah, because think about it.

867
00:38:55,920 --> 00:38:58,200
Speaker 4: I mean, if someone came to you and said, hey,

868
00:38:58,960 --> 00:39:03,120
Speaker 4: I really love you car, I can give you installment

869
00:39:03,120 --> 00:39:06,080
Speaker 4: payments or like you know what, I you know, I

870
00:39:06,120 --> 00:39:08,759
Speaker 4: have a loan and you know, or I really love

871
00:39:08,800 --> 00:39:09,280
Speaker 4: your car.

872
00:39:09,320 --> 00:39:10,359
Speaker 2: Here's cash right now.

873
00:39:11,440 --> 00:39:14,440
Speaker 4: Cash right now is guaranteed, so people tend to you know,

874
00:39:14,480 --> 00:39:16,279
Speaker 4: it's a stronger buyer that Brita's cash.

875
00:39:16,320 --> 00:39:19,359
Speaker 2: But just know that cash properties don't have to be

876
00:39:19,760 --> 00:39:21,080
Speaker 2: two hundred thousand dollars.

877
00:39:21,120 --> 00:39:24,000
Speaker 4: You could find cash properties that are less, but you're

878
00:39:24,040 --> 00:39:26,239
Speaker 4: going to they're not going to be in like, you know,

879
00:39:26,320 --> 00:39:30,720
Speaker 4: amazing condition, or they might not be in this perfect place.

880
00:39:30,760 --> 00:39:32,879
Speaker 4: So I know, a young girl, her mother has really

881
00:39:32,920 --> 00:39:35,319
Speaker 4: taught her how to invest in. She's invested in South

882
00:39:35,400 --> 00:39:37,560
Speaker 4: Jersey a lot because a lot of people are foreclosing

883
00:39:38,520 --> 00:39:41,560
Speaker 4: because they're still recovering from Sandy, the the in the recession,

884
00:39:42,640 --> 00:39:45,640
Speaker 4: and houses are going for ten and fifteen thousand dollars.

885
00:39:45,640 --> 00:39:48,080
Speaker 4: So she's been saving. This young woman is like not

886
00:39:48,120 --> 00:39:50,120
Speaker 4: even twenty five yet, and it has like two properties.

887
00:39:50,800 --> 00:39:53,680
Speaker 4: She's been saving. I think her her grandmother passed and

888
00:39:53,680 --> 00:39:56,120
Speaker 4: set and set aside some money for her, and she's

889
00:39:56,160 --> 00:40:01,560
Speaker 4: bought properties fairly inexpensively and and you know, fix them

890
00:40:01,640 --> 00:40:03,880
Speaker 4: up and then rented them out and then save that

891
00:40:03,920 --> 00:40:07,719
Speaker 4: money and got the next one. So be open to

892
00:40:08,080 --> 00:40:10,560
Speaker 4: the fact that you're you know, you're you're probably going

893
00:40:10,600 --> 00:40:12,279
Speaker 4: to have to finance one way or the other. But

894
00:40:12,719 --> 00:40:15,000
Speaker 4: you can finance on the front end, or you could

895
00:40:15,000 --> 00:40:16,600
Speaker 4: pay a little bit of money and finance on the

896
00:40:16,640 --> 00:40:17,000
Speaker 4: back end.

897
00:40:17,920 --> 00:40:19,840
Speaker 3: Two or three K loans are really interesting. I'm going

898
00:40:19,880 --> 00:40:21,600
Speaker 3: to post a guide to two or three K loans

899
00:40:21,600 --> 00:40:24,000
Speaker 3: because we just did one recently at Magnified Money and

900
00:40:24,080 --> 00:40:26,000
Speaker 3: they are a great way to get They're basically a

901
00:40:26,000 --> 00:40:30,759
Speaker 3: renovation loan through the SAHA, the Federal Housing Administration, and

902
00:40:30,800 --> 00:40:33,640
Speaker 3: I think they require they don't require a huge downpayment either.

903
00:40:34,080 --> 00:40:36,840
Speaker 3: They just have to sort of deal with the requirements

904
00:40:36,880 --> 00:40:39,560
Speaker 3: and a two or three K loan like they kind

905
00:40:39,600 --> 00:40:42,400
Speaker 3: of control which contractors you pick and yeah, all this

906
00:40:42,480 --> 00:40:43,080
Speaker 3: kind of stuff.

907
00:40:43,080 --> 00:40:44,080
Speaker 1: So because you have.

908
00:40:44,040 --> 00:40:44,879
Speaker 2: To think about it this way.

909
00:40:45,080 --> 00:40:48,759
Speaker 4: A bank is basically lending you money to fix up

910
00:40:48,800 --> 00:40:51,799
Speaker 4: what is essentially they believe their property until you pay

911
00:40:51,800 --> 00:40:55,040
Speaker 4: off that loan. So they're like, I hear you that

912
00:40:55,120 --> 00:40:58,400
Speaker 4: you want marble floors, but in this neighborhood, we're not

913
00:40:58,440 --> 00:41:00,480
Speaker 4: gonna be able to recoup our money with your mars.

914
00:41:00,680 --> 00:41:02,640
Speaker 4: We need you to fix this bathroom and fix this,

915
00:41:02,719 --> 00:41:04,759
Speaker 4: and do this and do that. So bank like two

916
00:41:04,840 --> 00:41:07,279
Speaker 4: three klons are a little bit stricter with what you

917
00:41:07,280 --> 00:41:09,879
Speaker 4: do with the money because the bank is like, they

918
00:41:10,080 --> 00:41:13,319
Speaker 4: essentially need you to bring the property up to the

919
00:41:13,719 --> 00:41:15,759
Speaker 4: to the value of the two oh three k loan,

920
00:41:15,880 --> 00:41:17,480
Speaker 4: so that way, if you don't pay they can take

921
00:41:17,520 --> 00:41:20,640
Speaker 4: it and resell it and get their money back. But yeah,

922
00:41:21,120 --> 00:41:23,520
Speaker 4: but it's definitely something worth looking into, especially if you're

923
00:41:23,520 --> 00:41:26,080
Speaker 4: buying like a super fixer up, Like you're not gonna

924
00:41:26,080 --> 00:41:28,040
Speaker 4: get a two three k lo for like ten thousand bucks.

925
00:41:28,200 --> 00:41:30,080
Speaker 4: Banks are not doing that. It would have to be

926
00:41:30,680 --> 00:41:32,359
Speaker 4: I don't remember what the cutoff is, but it has

927
00:41:32,400 --> 00:41:34,080
Speaker 4: to be a pretty good amount of money, Like the

928
00:41:34,080 --> 00:41:36,839
Speaker 4: house has to need a pretty good amount of work

929
00:41:36,840 --> 00:41:38,400
Speaker 4: in order to qualify.

930
00:41:39,320 --> 00:41:40,960
Speaker 3: Well, thank you for your question, Arian and if you

931
00:41:41,000 --> 00:41:42,960
Speaker 3: guys have more questions for us, hit us up at

932
00:41:43,239 --> 00:41:52,560
Speaker 3: Brand Ambition podcast dot com. Nope, okay, it is so

933
00:41:52,719 --> 00:41:57,800
Speaker 3: manipulative and mean, or you can send us an email

934
00:41:57,840 --> 00:42:00,000
Speaker 3: at Brand Edition Podcast at gmail dot com.

935
00:42:00,040 --> 00:42:00,840
Speaker 1: Now you're waiting for it.

936
00:42:01,200 --> 00:42:16,360
Speaker 5: Oh, she is always This is.

937
00:42:16,360 --> 00:42:17,759
Speaker 1: A lovely time for wins.

938
00:42:18,200 --> 00:42:20,799
Speaker 2: Yes, because all we do is Wayne, Wayne, Wayne, no

939
00:42:20,800 --> 00:42:21,279
Speaker 2: matter what.

940
00:42:21,600 --> 00:42:23,480
Speaker 3: So my win today, I'm actually just going to do

941
00:42:23,520 --> 00:42:24,560
Speaker 3: a really quick shout out.

942
00:42:24,600 --> 00:42:25,000
Speaker 1: I want to.

943
00:42:25,160 --> 00:42:26,759
Speaker 3: I don't know if you've seen the new video from

944
00:42:26,840 --> 00:42:31,440
Speaker 3: Drake Nice for What, which has like every beautiful brown

945
00:42:31,719 --> 00:42:36,200
Speaker 3: celebrity activist, woman in power on the planet basically in

946
00:42:36,320 --> 00:42:39,319
Speaker 3: this in this video. It's amazing. But then I found

947
00:42:39,320 --> 00:42:41,879
Speaker 3: out that the director is just this twenty two year

948
00:42:41,880 --> 00:42:45,440
Speaker 3: old woman. Her name is Karen Evans, and she's just

949
00:42:45,480 --> 00:42:48,120
Speaker 3: twenty two years old, and she's killing it. And I'm

950
00:42:48,160 --> 00:42:49,960
Speaker 3: gonna do my win for her this week.

951
00:42:50,200 --> 00:42:53,840
Speaker 2: So my Wayne is not quite as inspirational. It's just

952
00:42:53,880 --> 00:42:54,439
Speaker 2: a little fun.

953
00:42:56,040 --> 00:42:58,120
Speaker 4: I don't know if you saw this on our Facebook page, guys,

954
00:42:58,480 --> 00:43:06,600
Speaker 4: but athletes of brown and black descent when they've well

955
00:43:06,640 --> 00:43:09,080
Speaker 4: you know what I mean, like brown and black athletes.

956
00:43:10,160 --> 00:43:10,959
Speaker 2: I was trying to be faking.

957
00:43:14,840 --> 00:43:15,720
Speaker 3: I'm sorry.

958
00:43:16,360 --> 00:43:18,040
Speaker 1: I'm sorry I continue.

959
00:43:19,120 --> 00:43:19,800
Speaker 2: That sound crazy.

960
00:43:20,200 --> 00:43:22,640
Speaker 4: No, but so I just think it's really cute that,

961
00:43:22,960 --> 00:43:25,200
Speaker 4: you know, when they've won or they've gotten a point

962
00:43:25,280 --> 00:43:27,840
Speaker 4: or whatever, that they've been doing the Wakanda Forever salute.

963
00:43:27,880 --> 00:43:29,600
Speaker 4: And I just think that, I don't know, that just

964
00:43:29,600 --> 00:43:33,200
Speaker 4: brings me Jordan like that this movie like it's just

965
00:43:33,400 --> 00:43:37,080
Speaker 4: a movement, you know. I just and I just think

966
00:43:37,080 --> 00:43:40,360
Speaker 4: that that's just the movie. I know I did Wakanda,

967
00:43:40,520 --> 00:43:43,080
Speaker 4: like I think hitting over a billion dollars.

968
00:43:43,120 --> 00:43:44,439
Speaker 2: I think I did it last week or something.

969
00:43:44,480 --> 00:43:47,759
Speaker 4: But I just think that there's a surge and maybe

970
00:43:47,800 --> 00:43:50,080
Speaker 4: that's what the win is that I don't know if

971
00:43:50,080 --> 00:43:52,280
Speaker 4: you guys can feel it, but I certainly can.

972
00:43:52,239 --> 00:43:55,160
Speaker 2: That there's this undercurrent of.

973
00:43:56,440 --> 00:44:02,160
Speaker 4: Just like appreciation for brown and black blackness and not

974
00:44:02,400 --> 00:44:04,880
Speaker 4: like I'm talking about, not necessarily from the outside world,

975
00:44:05,440 --> 00:44:06,479
Speaker 4: like from each other.

976
00:44:07,040 --> 00:44:10,239
Speaker 2: You know, I can see it on social media. I can't.

977
00:44:10,239 --> 00:44:12,719
Speaker 4: Oh a, my my bad, that's one of my brown

978
00:44:12,719 --> 00:44:14,120
Speaker 4: friends trying to call me. See they know I take

979
00:44:14,160 --> 00:44:20,680
Speaker 4: by this time. But yeah, just this appreciation for brown

980
00:44:20,800 --> 00:44:25,080
Speaker 4: and blackness that I've seen, Like one of my friends

981
00:44:25,080 --> 00:44:28,200
Speaker 4: turn name is Yaba doctor yaba blay and she's got

982
00:44:28,200 --> 00:44:31,040
Speaker 4: this hashtag and this Instagram account which I love called

983
00:44:31,080 --> 00:44:35,080
Speaker 4: professional black Girl. And if you just need sometimes a

984
00:44:35,120 --> 00:44:39,080
Speaker 4: boost of like and it's just all things brown and

985
00:44:39,120 --> 00:44:39,840
Speaker 4: black girls.

986
00:44:39,880 --> 00:44:40,000
Speaker 2: Like.

987
00:44:40,040 --> 00:44:43,600
Speaker 4: So sometimes it's like a little girl singing a song.

988
00:44:43,800 --> 00:44:47,320
Speaker 4: Sometimes it's just like a beautiful woman in Africa. Sometimes

989
00:44:47,400 --> 00:44:49,840
Speaker 4: it's just like girls here in the US like stepping

990
00:44:50,040 --> 00:44:53,200
Speaker 4: or girls in New Orleans like Second Line Band or

991
00:44:53,239 --> 00:44:55,520
Speaker 4: whatever it is that is that represents our culture. And

992
00:44:55,760 --> 00:44:58,239
Speaker 4: so I'm just feeling like this, like feeling this love.

993
00:44:58,600 --> 00:45:02,200
Speaker 4: I feel like it's it's it's probably similar to there

994
00:45:02,280 --> 00:45:04,600
Speaker 4: was a time in history when everyone was kind of

995
00:45:04,600 --> 00:45:07,360
Speaker 4: reclaiming their blackness and they were naming their kids. That's

996
00:45:07,400 --> 00:45:09,840
Speaker 4: when like Queen Latifa came out and everyone was getting

997
00:45:09,880 --> 00:45:12,479
Speaker 4: like Muslim names and and it was like.

998
00:45:12,520 --> 00:45:14,040
Speaker 2: Afros and you know.

999
00:45:14,760 --> 00:45:17,279
Speaker 4: And I just think that there's something happening now, and

1000
00:45:17,320 --> 00:45:20,120
Speaker 4: I'm just glad that we have a podcast that helps

1001
00:45:20,160 --> 00:45:23,840
Speaker 4: to partially capture that movement and also move that movement forward.

1002
00:45:24,280 --> 00:45:27,759
Speaker 4: So a wind for Wakanda and a wind for brownness

1003
00:45:27,840 --> 00:45:28,960
Speaker 4: and the win for blackness.

1004
00:45:29,120 --> 00:45:31,799
Speaker 1: I'm doing this salute right now. You can't see it.

1005
00:45:32,120 --> 00:45:35,800
Speaker 2: I'm like, I'm doing it too, what kind of whatever?

1006
00:45:38,400 --> 00:45:40,879
Speaker 3: Now, everybody go watch Chadwick on SNL because it was

1007
00:45:41,040 --> 00:45:47,719
Speaker 3: the best hilarious that was Block Jeopardyards.

1008
00:45:48,239 --> 00:45:51,399
Speaker 4: It was everything he said, Oh I see now, yes,

1009
00:45:53,400 --> 00:45:54,600
Speaker 4: all right, mandra.

1010
00:45:55,400 --> 00:46:00,760
Speaker 1: On fellow homeowner. Yeah, keep us postomach keep posted.

1011
00:46:01,880 --> 00:46:03,600
Speaker 3: I might elbow my way into that group chain.

1012
00:46:03,680 --> 00:46:05,080
Speaker 1: Eventually I'm try and it in.

1013
00:46:05,120 --> 00:46:06,520
Speaker 3: I'm trying them to in write.

1014
00:46:08,719 --> 00:46:08,879
Speaker 2: Right.

1015
00:46:09,280 --> 00:46:11,000
Speaker 4: Oh I didn't even say so just in case you're asking.

1016
00:46:11,160 --> 00:46:12,319
Speaker 4: People are going to ask me and I'm like, oh,

1017
00:46:12,360 --> 00:46:15,120
Speaker 4: please don't email me. The company of the couple. Their

1018
00:46:15,200 --> 00:46:20,000
Speaker 4: their business is called Blue b Lu, Blue Home Home

1019
00:46:20,040 --> 00:46:23,239
Speaker 4: Design and Development. They're on Twitter and no Instagram Blue

1020
00:46:23,239 --> 00:46:25,440
Speaker 4: Home and Design and Development. Because last time I mentioned them,

1021
00:46:25,480 --> 00:46:26,799
Speaker 4: so many people hit me up and I was like,

1022
00:46:26,800 --> 00:46:29,080
Speaker 4: oh I can't answer everyone back and people were mad

1023
00:46:29,080 --> 00:46:30,839
Speaker 4: at me. So just in case you want to follow

1024
00:46:30,880 --> 00:46:32,600
Speaker 4: them on because they're going to be like posting our

1025
00:46:32,640 --> 00:46:34,120
Speaker 4: pictures and stuff. So if you want to kind of

1026
00:46:34,120 --> 00:46:37,400
Speaker 4: see like our journey, Blue Home Design and Development.

1027
00:46:38,480 --> 00:46:39,800
Speaker 1: Awesome, all right

1028
00:46:41,880 --> 00:46:43,680
Speaker 2: For a ball, yes, what kind of forever