Speaker 1: Happy Thursday.
Speaker 2: Thursday.
Speaker 3: No, I mean I tried to put a weird accent
Speaker 3: on Tuesday, but then I just it sound like Thursday.
Speaker 4: Hey hey, hey, we're black, we're black, we're.
Speaker 5: Brown, and.
Speaker 2: So somebody's a homeowner.
Speaker 1: I'm in the club, a club. I have so many keys.
Speaker 3: I don't know what to do with them. I don't
Speaker 3: know what they all go to.
Speaker 2: How does it feel?
Speaker 1: It feels really expensive.
Speaker 3: Just laid out my entire savings account for the for
Speaker 3: the closing costs.
Speaker 1: It feels really good. You know, we had a.
Speaker 3: Really special day today. I wasn't expecting this, but I
Speaker 3: don't know if I ben And when we when we
Speaker 3: went to the open house, we realized that there was
Speaker 3: an older couple there and they were retiring and they
Speaker 3: were older African American couple had lived there for forty years.
Speaker 3: And I became really like sort of obsessed with them,
Speaker 3: and I really wanted I just thought it was amazing
Speaker 3: too that they would, I.
Speaker 1: Guess, choose us to give us the house because.
Speaker 3: They know they had a lot of different offers, and
Speaker 3: I know that they're like the real estate agent really
Speaker 3: liked us, and you know, being newly weeds and everything,
Speaker 3: like that, and you can. And we were walking around
Speaker 3: the house during like the open house and inspection and stuff,
Speaker 3: and you can get little clues about people and like
Speaker 3: what kind of life they have, like the fridge full
Speaker 3: of all their grandkids drawings, and the room full of
Speaker 3: the guy the dad's veteran medals. You know, he was
Speaker 3: in the army, and you I don't know, just you
Speaker 3: get this really good, like a good family lived here
Speaker 3: for a long time and had a good life. But
Speaker 3: I never thought we would meet them, but we we
Speaker 3: you know, the closing was today. We pulled up to
Speaker 3: their house and they were there and they they took
Speaker 3: us through the entire house and their names are Ed
Speaker 3: and Rosemary.
Speaker 2: I love.
Speaker 3: Yeah, they showed us how everything worked, and Ed is
Speaker 3: like I mean, we were there for like a good
Speaker 3: two hours and in Regay, my husband he was, you know,
Speaker 3: asking Ed how to do the fireplace. And I mean
Speaker 3: that they knew that house inside and out and they
Speaker 3: took such good care of it. But you could, like
Speaker 3: I could. I was talking to Rosemary a lot, and
Speaker 3: you can just tell that she was really excited for
Speaker 3: their you know, they're they're actually really young, like they
Speaker 3: look amazing for being. I think they're in their mid sixties,
Speaker 3: they're retired, they're moving to Delaware. They look at they're
Speaker 3: just like gold. You know, they're they're retiring at a
Speaker 3: good age. They still have a lot of years ahead
Speaker 3: of them. But you could tell that she really felt
Speaker 3: still emotionally attached, and it was it was really sweet
Speaker 3: of them to actually say goodbye to the house and
Speaker 3: to give us and kind of like pass the baton
Speaker 3: in a way.
Speaker 2: I love it.
Speaker 3: It was really it was really sweet, and I was
Speaker 3: just really grateful for that experience because I didn't know
Speaker 3: what to expect. I thought we were just going to
Speaker 3: walk through and test the door knobs and run the
Speaker 3: faucets and stuff. But we ended up really having a nice,
Speaker 3: a nice time with them, and they were like, so,
Speaker 3: here's that neighbor.
Speaker 1: And don't worry about her.
Speaker 3: She's fine, but like that neighbor's kind of noisy, and they're,
Speaker 3: you know, giving us the lay of the neighborhood.
Speaker 1: Yeah, I was really sweet.
Speaker 3: I love that and the passing of the keys at
Speaker 3: the because we basically had the walk through. Then we
Speaker 3: went to the attorney's office to actually sign the most
Speaker 3: paper I've ever seen in my entire life, just documently
Speaker 3: page at a page for paget page of closing documents.
Speaker 3: But they were there at the table with us, and
Speaker 3: you know, Ed handed me the keys across the table
Speaker 3: and it was it was cool.
Speaker 2: I love that.
Speaker 1: Yeah, but it was expansive.
Speaker 4: Yes, ah, you know, it's so crazy. It's like when
Speaker 4: you said I'm in the club. I remember when, literally
Speaker 4: the day I got married, all of these married women
Speaker 4: text me and they were like, welcome to the club.
Speaker 2: That's what.
Speaker 1: Misery loves company.
Speaker 4: No, I know, Oh no, honestly, yeah, that's all I mean.
Speaker 4: It's crazy because you know, we finally closed on our house.
Speaker 4: I don't know, a few weeks ago, but I don't
Speaker 4: feel like we have a house because we're not in it,
Speaker 4: because you.
Speaker 2: Know, we're doing renovations.
Speaker 4: Yeah right, So you know, it just feels surreal every
Speaker 4: once in a while, like super Man, we have a house.
Speaker 1: Yeah.
Speaker 3: I well, we went there, we went back to the
Speaker 3: house after the closing and I and it still felt
Speaker 3: like I was in Edwin Rosemary's house.
Speaker 1: Yes, it's like, let's come home. This feels weird.
Speaker 5: I don't want that.
Speaker 1: Yeah, it hasn't hit me yet. And uh yeah, it.
Speaker 4: Feel like I guess you have like your things in there,
Speaker 4: and like yeah, but for us, it's gonna be a
Speaker 4: while because honestly, we have probably months of of renovations
Speaker 4: and stuff. When you buy our older home, I don't
Speaker 4: do Do you know what year your house was built?
Speaker 3: Nineteen forty seven? Do you know what they gifted us?
Speaker 3: This was amazing. I forgot when we got to the closing,
Speaker 3: they hand me this packet. It has the original blueprints
Speaker 3: for our house, like the beautiful, the dark, like the
Speaker 3: real blueprint, like they don't even make these anymore, from
Speaker 3: nineteen forty seven when it was first built. And they
Speaker 3: said that, you know, you're the only the fourth owner
Speaker 3: and we wanted to give you these and it was
Speaker 3: it was beautiful.
Speaker 1: Yeah.
Speaker 2: Did you get them framed?
Speaker 5: Yeah?
Speaker 1: I don't.
Speaker 3: I don't know that we're going to get the originals
Speaker 3: frame but I want to keep those safe. But we're
Speaker 3: probably going to get I've I've did a little bit
Speaker 3: of research and there's like art shops or even Staples
Speaker 3: will do a copy of it, like a good replica,
Speaker 3: and then we can get that framed and then keep
Speaker 3: the other one in like a safety deposit box or something,
Speaker 3: because that's that's like it's a special thing. I it
Speaker 3: was very generous for them to give us that.
Speaker 2: No, I love that. I said that. I was like,
Speaker 2: I would love to get the blueprints for us.
Speaker 4: I'm actually going to go to city Hall and see
Speaker 4: if they have, like, you know, copies of the blueprints
Speaker 4: because I'd.
Speaker 2: Love to see, like, you know what what the I guess.
Speaker 4: Original owner had in mind, because our house was built
Speaker 4: in nineteen twenty wow. And so even so, you know,
Speaker 4: I was looking for a contractor and a designer and
Speaker 4: a friend of mine connecting me with her two friends.
Speaker 4: And the wife is a designer and the husband is
Speaker 4: a contractor and project manager. And they were they've just
Speaker 4: been so awesome. They're actually like our new like couple friend.
Speaker 4: This is like our first joint couple friend, you know,
Speaker 4: Like I mean, I'm my best friend Drina and her
Speaker 4: significant other. Like we're all cool, but we were cool
Speaker 4: before we got married, you know, right, and so this
Speaker 4: is but this is like what like a couple friend
Speaker 4: we made together, and we're like, oh my god, We're
Speaker 4: so obsessed with them. It's like crazy like Superman and
Speaker 4: like so Rihanna is a woman. She I think she's
Speaker 4: from Guyana and and Jermaine is the man and he actually.
Speaker 2: Is by Rachel.
Speaker 4: His his dad is black and his his mom is
Speaker 4: white and they are like so dope and they have
Speaker 4: a daughter named Olivia, and they are a amazing and
Speaker 4: like like we went out to like I Hop with them,
Speaker 4: and like then me and Rihanna went over to Home
Speaker 4: Sends and the guys and Supergirl and their daughter they
Speaker 4: went to like bunples together. I mean we have just
Speaker 4: been like obsessing with each other like we tech we
Speaker 4: do we group text together, and I'm like, oh my god, these.
Speaker 2: Are are like our friends.
Speaker 4: I'm jealous because you know, usually it's you might be like,
Speaker 4: oh I like I like the you know, you might
Speaker 4: like the woman, but he might not like the guy,
Speaker 4: or he might like the guy.
Speaker 2: You're like, ah, she's all right.
Speaker 4: So it's like the fact that like we both like,
Speaker 4: you know, well one I like Jermaine, but I also
Speaker 4: like Rihanna, and their daughter is super sweet and so
Speaker 4: but also too they're really talented and so what we
Speaker 4: asked them because they're just he Jermaine is just too
Speaker 4: busy to take on like to do construction or even
Speaker 4: even though he's done his own house, which is gorgeous.
Speaker 2: Their house is beautiful. He did all the work himself.
Speaker 4: Basically, and they put it on the market and it's
Speaker 4: sold within twenty four hour, not even they put it
Speaker 4: on the market and somebody bought it sight unseen.
Speaker 2: Put an offering.
Speaker 1: Oh my god, I'm asking.
Speaker 4: Because that's just how beautiful their place is. And so
Speaker 4: we asked them, well, then can you at least be
Speaker 4: like our men tours in this, and that's what they're
Speaker 4: kind of doing. They're basically consulting. And so because there's
Speaker 4: so many things I don't know, like with the older house,
Speaker 4: you really should get lead and asbestos testing, and so
Speaker 4: we did, and we found out because we did see
Speaker 4: a pipe and debasement that looked like it might be
Speaker 4: wrapped with asbestos wrapping, which is which was normal for
Speaker 4: reck then and it was and it's not a huge
Speaker 4: deal to abate it, but obviously you have to abate it.
Speaker 3: We had that there, you did, right, and a bunch
Speaker 3: of pipes downstairs, yeah, fun stuffs and.
Speaker 4: Bight and then and then because the house is older too,
Speaker 4: and I don't know where the paint comes from, but
Speaker 4: we did actually have some paint on a number of
Speaker 4: like the wood, because there's a lot of wood in
Speaker 4: nineteen twenties. I don't know if it's a craftsman. I
Speaker 4: don't know like what the actual what it's called. But
Speaker 4: there's a lot of lead, I guess in like whatever
Speaker 4: layers of paint underneath. And so we have to get
Speaker 4: that abated. And so that's in itself is like just
Speaker 4: a process. And so that's where we are now, like
Speaker 4: hiring the abatement company, and even that's a process like
Speaker 4: getting them to put bit to do the work. And
Speaker 4: so Jermaine and Rihanna have just been walking us through
Speaker 4: and I'm excited because she's been like I like her
Speaker 4: eye for design because I love her house, and she
Speaker 4: because they're looking for a house now since they quickly
Speaker 4: sold there. She's been walking me through like when she
Speaker 4: goes to open houses and stuff, she'll be like, oh, Tiffany, comes,
Speaker 4: I want to show you this design detail to see
Speaker 4: if you like it. So she's trying to get a
Speaker 4: feel for my style. So she actually brought me to
Speaker 4: this house nineteen twenty is also in Newark around the
Speaker 4: corner for where our new house is, and the molding
Speaker 4: was dark molding, and I never never would have thought
Speaker 4: that I would like dark molding, but it was beautiful.
Speaker 4: Their molding was black, which it's too dark for me,
Speaker 4: but I love the dark molding, and I realized that,
Speaker 4: you know, I think I'm really interested in having dark molding,
Speaker 4: not black, but maybe not white.
Speaker 2: And so I'm just enjoying this process, even though for us.
Speaker 4: It's going to be alone, rude, but it's nice to
Speaker 4: know that we have people who are going to kind
Speaker 4: of walk us through and not let us mess up
Speaker 4: and help us in you contractors and electricians and all
Speaker 4: that stuff, and they we won't be my biggest worry
Speaker 4: with someone's going to get over on us. And now
Speaker 4: we're like, no, We've got our couple friends who this
Speaker 4: is what they do for a living, so you're not
Speaker 4: going to try us.
Speaker 1: And they've been through it already.
Speaker 2: Yeah, exactly.
Speaker 4: And are you guys doing any like any any major
Speaker 4: work or just a little minus stuff.
Speaker 1: Oh oh yeah.
Speaker 3: I've been chomping at the bit to get people in
Speaker 3: to start looking at the house and giving us estimates
Speaker 3: and putting in bids and everything, but of course no
Speaker 3: one would actually come until we had the keys to
Speaker 3: the house, which we got today. So last week we
Speaker 3: started making appointments for tomorrow the day after closing, and
Speaker 3: we have our thing is same thing. There's a couple
Speaker 3: of like just structural things we need to fix first
Speaker 3: so that we have people come in and look at
Speaker 3: the plumbing and we're probably converting to gas. So we
Speaker 3: have like three people in HVAC and plumbing, three different
Speaker 3: businesses coming in the morning, and then the afternoon we
Speaker 3: have three different architect design build type people. So okay,
Speaker 3: before we do any structural changes, we need like the
Speaker 3: architects to come in. You probably know all this, but
Speaker 3: I didn't know that architects came first. I thought you'd
Speaker 3: get a contractor first, but.
Speaker 4: Yeah, I didn't know that either until I was like, oh,
Speaker 4: and if you want, I can give you because Jermaine
Speaker 4: he gave me. Whether it's your architect or I don't
Speaker 4: know who's gonna take. So just this last weekend, we
Speaker 4: actually took measurements of every room and then you can
Speaker 4: put it into what's called a bid sheet. So I
Speaker 4: don't know maybe your architect would do that, but I
Speaker 4: can give you the spreadsheet that Jermaine gave me, because
Speaker 4: then that's the bid sheet. Is the spreadsheet then you
Speaker 4: give to the different contractors so you can compare apples
Speaker 4: to apples, so that way you can say, hey, contractor
Speaker 4: in room A, we want this, this, this, and this
Speaker 4: fix and here the dimensions and room B we want it.
Speaker 4: So I was like, oh, he said, because if not,
Speaker 4: then each contractor kind of comes in and gives a
Speaker 4: guestimate based upon like what he thinks needs to be done,
Speaker 4: and this one might tell you twenty thousand, this one
Speaker 4: want to tell you thirty thousand. But they're not bidding
Speaker 4: on the same thing. But with the bid sheet, they
Speaker 4: fill it out and line item by line item, you
Speaker 4: and Enrique can look and say, you know what, we
Speaker 4: actually don't need this window done, but we do need
Speaker 4: this done, so you can take fifty off here, but
Speaker 4: add two hundred here. And I'm like, oh, it's been
Speaker 4: such a learning experience, and I'm like, I've actually been
Speaker 4: taking so many notes because I know we want to
Speaker 4: start investing in real estate, so that way we know
Speaker 4: next time we have like, okay, step one do this,
Speaker 4: step two do this. But I can certainly give you
Speaker 4: that that bid sheet and ask your architect, you know,
Speaker 4: like whoever, you have to still take measurements to help
Speaker 4: you fill that out.
Speaker 1: How are you how are you budgeting for reno?
Speaker 3: Because I basically, for first of all, I feel.
Speaker 1: Like I'm budgeting in the dark.
Speaker 3: We have a chunk of money set aside, and like
Speaker 3: I'll have some some more money coming this summer that
Speaker 3: you know.
Speaker 1: We'll add to the pot.
Speaker 3: But I I'm really, I'm really when you, I'm like,
Speaker 3: I'm not worried, but I'm really cognizant of the fact
Speaker 3: that I want to make sure that we are earmarking
Speaker 3: funds for renovations and we're we're not touching emergency funds
Speaker 3: so that I don't feel like like there's always going
Speaker 3: to be money in the bank. And I guess I'm
Speaker 3: just nervous about about, you know, getting caught up in
Speaker 3: a reno and then you're over budget.
Speaker 1: But like you still want to.
Speaker 3: Do some things, and I'm I'm like, I'm already trying
Speaker 3: to prioritize what I want done and maybe think of
Speaker 3: things that, Okay, if I had to wait, we can
Speaker 3: wait to do this until later kind of stuff.
Speaker 4: So what we did was like because same thing, honestly,
Speaker 4: so I've just honestly been like saving every penny.
Speaker 2: And because we have our our.
Speaker 4: Emergency fund is already full, you know, so we're like, okay,
Speaker 4: we've got our six months of just in case money.
Speaker 4: But and so I've been and then we have like
Speaker 4: other savings here and there. But I have been putting
Speaker 4: the lion's share because I knew this was coming. You know,
Speaker 4: we looked for for like over a year and a
Speaker 4: half or a house, so I knew this was coming.
Speaker 4: So I said, Okay, I've been really stacking away and
Speaker 4: saving like crazy in our house fund. And so you know,
Speaker 4: if we got everything done, you know, it might cost
Speaker 4: us like everything including furniture and my cost us seventy
Speaker 4: five to one hundred thousand dollars, but we are. But
Speaker 4: I this is one thing that I like that Jermaine
Speaker 4: told us. He said, let's the big sheet. We're gonna
Speaker 4: put down every little thing that you think that you
Speaker 4: might like. He said, because then it becomes a line
Speaker 4: item that you can take off. And he said it's
Speaker 4: better to have it, even if it's just for future,
Speaker 4: like okay, this is phase two. But he's so that's
Speaker 4: what we've been doing is just to put everything down,
Speaker 4: price it all out, and then say, okay, I really
Speaker 4: have to get the kitchen done because the kitchen is
Speaker 4: a mess, and we really have to get the master
Speaker 4: bathroom done because the master bathroom is too small for
Speaker 4: Jirell because you know, he's tall.
Speaker 2: Other than that, things can wait.
Speaker 4: We're like, okay, we want to refinish the floor, but
Speaker 4: Jirell might be able to do that himself, you know,
Speaker 4: with his friends, and Jermaine might help, and okay painting.
Speaker 4: Direll's twin brother is a master painter and has his
Speaker 4: own painting business, so we could save there. So as
Speaker 4: it is right now, we're just literally writing everything down.
Speaker 4: I don't even have I don't even know what it's
Speaker 4: gonna call. I was like, I mean, it's probably going
Speaker 4: to cost him a fifty thousand dollars plus range maybe,
Speaker 4: but even then, you know, I don't know because I
Speaker 4: want to include furniture because most of.
Speaker 2: Our furniture now it's not doesn't fit where we're going.
Speaker 4: So yeah, So I mean, like I said, I'm really
Speaker 4: I'm excited, nervous, but not as nervous I was really
Speaker 4: afraid before because I was like, I don't know how
Speaker 4: to do any of these things. And I just hear
Speaker 4: so many scary stories about contractors doing the wrong thing.
Speaker 4: But now that we kind of have like okay, we've
Speaker 4: got our our design and contract mentor you know, any
Speaker 4: time I have a question, you know, I hit up
Speaker 4: group chet text Like for example, I didn't know that
Speaker 4: when so we got the testing for asbestos and lead
Speaker 4: and they said, yes, you have a little abestis in
Speaker 4: the basement and you've got some lead inside the house.
Speaker 4: And then Jamine I was like, so what do I
Speaker 4: just call the people new people and say hey, fix it?
Speaker 2: And he's like, no, you'll have to go back.
Speaker 4: To that company and say to create an abatement plan.
Speaker 2: And I was like, oh okay.
Speaker 4: And so he was like, because from that plan there
Speaker 4: should be specific specs. And from those specs, now you
Speaker 4: can then go to two or three other abatement companies
Speaker 4: and say here's are the specific rooms in the house
Speaker 4: the amount there is, so that way they can price
Speaker 4: it all equally.
Speaker 2: And I was like, oh.
Speaker 4: Cause I just would have went to like a company
Speaker 4: and but like, hey, you know, here's my basic report.
Speaker 4: And I didn't realize, like, you know, having the plan
Speaker 4: is an additional cost, and I was like, oh, so
Speaker 4: there's always like something and it's just nice to not
Speaker 4: be kind of like puttering around in the dark because honestly,
Speaker 4: it's renovations kind of scare me because I watched too
Speaker 4: much of HGTV and I'm like.
Speaker 1: Ah, so much.
Speaker 3: I had a dream about cabinet trade the other night
Speaker 3: that like we were trying to take it out.
Speaker 1: It's it's a sickness. I'm not okay. I love that
Speaker 1: we're in the same boat. So you just I'm gonna
Speaker 1: I'm gonna hit you. You were like a couple of
Speaker 1: months ahead of me. I'm gonna hit you up.
Speaker 3: Just let me know.
Speaker 1: This is all I know.
Speaker 2: It's like, look at us growing up. When we first
Speaker 2: started the podcast.
Speaker 4: We were single ladies, all the single ladies, all the
Speaker 4: single ladies, right and now look next thing.
Speaker 2: You know, kids up next, And I think it's time to.
Speaker 4: Boom store break, boots to break, boots to break.
Speaker 2: Are you gotta brown break? Are you gonna brown boost?
Speaker 1: I got a break?
Speaker 3: Okay, too much positivity happening right now. I gotta I
Speaker 3: gotta bring it down. Do you want me to go first?
Speaker 3: So I've been in a texting debate with my two besties.
Speaker 3: They're my pop culture debate team. And ever since Cardi
Speaker 3: B debuted her baby bump, her her her, you know,
Speaker 3: un kept secret that CARDIV is pregnant. But she debuted
Speaker 3: on SNL this past Saturday. He saw her performance. Also,
Speaker 3: by the way, Chadwick Boseman on SNL was amazing. Anyway,
Speaker 3: so Cardi comes out she's pregnant, she has a new
Speaker 3: album dropping, and all of a sudden, there's all this
Speaker 3: conversation around, oh, no, is Cardi B gonna survive this
Speaker 3: maternity leave? Is she gonna you know, does she have enough?
Speaker 3: Is she popular enough to withstand being out of the
Speaker 3: public eye for a few months while she has this baby?
Speaker 1: And blah blah blah blah blah.
Speaker 3: And I was like, geez, like, this is why women
Speaker 3: are afraid of telling their coworkers or their bosses that
Speaker 3: they're pregnant, because immediately people treat you like you have
Speaker 3: a disability or like.
Speaker 1: If you go on maternity leave for a few months.
Speaker 1: But Cardi B is not. She's not like an accountant.
Speaker 3: Okay, whatever, She's gonna be on a gold yacht somewhere
Speaker 3: on you know, enjoying her child. But for the rest
Speaker 3: of us, you know, maternity leave, if you're lucky to
Speaker 3: have it, you know, twelve weeks or whatever it is
Speaker 3: to go away into that fear that you have that Okay,
Speaker 3: I'm gonna take this, this maternity leave that I am
Speaker 3: entitled to and privileged enough to have. But while I'm gone,
Speaker 3: who's gonna take my job? Or who's gonna you know,
Speaker 3: am I gonna get looked over for promotion or a
Speaker 3: raise because people are like, oh, well, you know, she
Speaker 3: was gone for these three months, so she really know
Speaker 3: what if she if she is she really up for
Speaker 3: the challenge? Or if you tell someone that, you know,
Speaker 3: telling them early on that you're pregnant, and then them
Speaker 3: just treating you differently like, oh you don't you know,
Speaker 3: you're you're in a delicate condition, like you can't probably
Speaker 3: handle all this work. And it made me so mad
Speaker 3: because I'm like Cardi b come on, she's a celebrity,
Speaker 3: she'll be she'll be more fine. It's it's it just
Speaker 3: made me think about the other women who aren't in
Speaker 3: that position, you know, a position where they have a
Speaker 3: lot of money and a lot of fame, that are
Speaker 3: you know, have regular old jobs, but deal with this
Speaker 3: kind of stigma just because they have the audacity to
Speaker 3: have a child. And I might be a little sensitive
Speaker 3: about it, since I myself have been considering starting a
Speaker 3: family and being in my position wondering or thinking, Okay,
Speaker 3: how can I set up my job right now so
Speaker 3: that when I when I choose to step away, I
Speaker 3: can come back and it's it won't be this, you know,
Speaker 3: massive I don't know this this massive shift and how
Speaker 3: people respond to me in the workplace.
Speaker 2: Yeah.
Speaker 4: I mean, it's so funny that you mentioned Cardi B.
Speaker 4: Because actually I was going to boost but the same
Speaker 4: thing I was gonna say, you know what, I'm gonna
Speaker 4: boost Cardi B because she is so unconventional and I've
Speaker 4: just seen I know, and but you know what I
Speaker 4: what I like about Cardi B is that it's very
Speaker 4: clear that she is Cardi B, regardless of how anyone
Speaker 4: feels about it. And you know, so many times, you know,
Speaker 4: and I grew up like, you know, just adhering to
Speaker 4: good girl politics, you know, like don't talk too loud,
Speaker 4: don't be too wild, you know, don't don't I don't know,
Speaker 4: like you know, just this is the this is how
Speaker 4: good girls act and as a result, you know, this
Speaker 4: is what you get, you know, as a surprise.
Speaker 2: And it's just nice to see.
Speaker 4: That, like, you know, that someone is not following that
Speaker 4: formula and it is winning in her own way. And
Speaker 4: it's just nice because I you know, I feel like,
Speaker 4: you know, it took me forever to shed and I
Speaker 4: probably haven't shed all of it. I would say probably
Speaker 4: like eighty percent of that, Like, oh, I've got to
Speaker 4: be in a certain way in order to be respectable,
Speaker 4: in order to be you know, you have to behave
Speaker 4: like a certain like a young lady. You have to
Speaker 4: remember my first boyfriend would always tell me like, oh,
Speaker 4: it took me, you know, to really tell me. That
Speaker 4: was because I am a bit wild, not like wild
Speaker 4: like in these streets wild, but like wild, like like
Speaker 4: uninhibited and silly and loud and fun and you know,
Speaker 4: and so it's just nice to see, like, oh, wild
Speaker 4: girls can can rock out too, you know.
Speaker 1: And you know, like who would CARDI be? What would
Speaker 1: the reaction be if Cardid worked at like Chase Bank.
Speaker 4: I don't know, I know, But what I just mean
Speaker 4: is that that she found what I like, is that
Speaker 4: she found her own lane, and like, you know that
Speaker 4: if you are not subdued, which is nothing wrong with that,
Speaker 4: that's just not your natural personality. It's okay that you
Speaker 4: can find a space where you can express your natural
Speaker 4: self and still be successful. And so it's just a
Speaker 4: nice departure from that because I look at I don't
Speaker 4: know if you remember, do you remember was it the
Speaker 4: Oscars where Tiffany Hattish kind of ran up to MARYL.
Speaker 2: Street. Did you see that, like.
Speaker 1: Meme ran up to her.
Speaker 2: Yeah, she like like ran up to her, like oh
Speaker 2: my gosh, my gosh, my god.
Speaker 1: Like, yes, she's a good example of like herself.
Speaker 4: Yes, And people were like, oh my gosh, she embarrassed herself. Yes,
Speaker 4: And I thought to myself, like, oh my goodness. This
Speaker 4: is a girl who, like she had like the most
Speaker 4: popular movie in two thousand and seventeen or eighteen whenever
Speaker 4: it came out, and like she is killing it and
Speaker 4: she used to be homeless, and this is a girl
Speaker 4: who was like raised by her grandma and her father left.
Speaker 4: I just like, I just it's so crazy to me
Speaker 4: that people are still trying to stamp out like ooh,
Speaker 4: you know, you're not being respectable, like this is that's
Speaker 4: not how good girls act. And I'm just like, man,
Speaker 4: if you're a wild girl, know that, you know, you
Speaker 4: might not fit into normal, regular society and you might
Speaker 4: have to carve your own space out, but there is
Speaker 4: success for you outside of like you know, you know,
Speaker 4: the status quo, because you know, for a long time,
Speaker 4: I really just held a lot back of like, oh,
Speaker 4: you know, I don't want to.
Speaker 2: Be too too wild. Now I'm like, man, I could
Speaker 2: do what I want. I could do what I want.
Speaker 1: I'll say your own damn boss. So who's gonna tell
Speaker 1: you now?
Speaker 2: Exactly?
Speaker 4: Like literally, I could tell a brand that the other day,
Speaker 4: I was like, oh, because they were trying to pressure
Speaker 4: me into doing something, and I was like, I actually said, sir,
Speaker 4: I don't have to follow listen to anybody, but dream
Speaker 4: catches in.
Speaker 2: Jesus, he didn't find that funny. Jesus, he didn't find
Speaker 2: it funny. So need just to say we're not working together,
Speaker 2: but either way, I don't care, because I was like,
Speaker 2: so I don't work for you. I could do what
Speaker 2: I want, like you know, because well, like you're not
Speaker 2: going to pay me extra money. No.
Speaker 4: I set up my business in a way on purpose
Speaker 4: that the people that I have to serve are the
Speaker 4: ones that pay me.
Speaker 2: And what it means is.
Speaker 4: That the better the better I serve women like me,
Speaker 4: the better my businesses. So I never have to worry,
Speaker 4: like if I work with a brand, it's because I
Speaker 4: like it on purpose. Keep the money that I make
Speaker 4: from brands like less than ten percent of my overall income.
Speaker 4: So that way, if I have to tell a brand
Speaker 4: to Cake Rocks, I don't care, like, you know, my
Speaker 4: income really comes from serving women like me, and so like, yeah,
Speaker 4: he didn't like that, and I was like, I don't care,
Speaker 4: you know, if you're not gonna do right by the
Speaker 4: dream caactors, I don't care how much money you say
Speaker 4: you gonna put in my pocket, you know. So yeah,
Speaker 4: I just want to say big ups Cardi B and
Speaker 4: the Tiffany Hattish and wild girls out there everywhere. It's
Speaker 4: not an easy life, but if you can make your
Speaker 4: own way and you're willing to put in the work,
Speaker 4: there is success for you as well.
Speaker 3: I remember when we first launched Brown Audition. I was
Speaker 3: think and I was talking to someone about our I
Speaker 3: think we had just launched or we're launching it the
Speaker 3: week after or something like that, and I mentioned the
Speaker 3: name of the show, and the reaction was, you want
Speaker 3: to call it Brown Ambition? Aren't you afraid of alienating
Speaker 3: some people? And I was like, nah, not afraid, Like
Speaker 3: I mean, that's the appeal of we're unapologetic about who
Speaker 3: we are speaking to. I mean, everyone's invited to the table.
Speaker 3: But you know, this is about you know, this is
Speaker 3: about speaking to the Brown experiences as a woman in
Speaker 3: your career and with your finances, and empowering a group
Speaker 3: of people that has been left out of a lot
Speaker 3: of those conversations. So yeah, I mean this Brown Ambition
Speaker 3: is about, is about aspirations, It's about the special kind
Speaker 3: of ambition and perseverance it takes as a Brown woman
Speaker 3: or man in this country to make it. And I
Speaker 3: don't think there's anything.
Speaker 1: Wrong with that.
Speaker 3: And I think that when you're when you're honest, and
Speaker 3: you're in who you are and presenting yourself and your message,
Speaker 3: and I mean, I don't think that we've alienated anyone.
Speaker 3: I think that we've just empowered some people. But if
Speaker 3: you find that alienating, then there's something probably a little
Speaker 3: wrong with you.
Speaker 2: Exactly.
Speaker 3: So basically, where the CARDI b a podcasting is what
Speaker 3: I'm trying to say. What if she says, what is everything?
Speaker 3: Because she does like this bird call thing? No, all right,
Speaker 3: I just found my chewbaka. Okay, moving on, moving on
Speaker 3: to some calls shows. I have a question for you
Speaker 3: Brand Ambition listeners. Do you want to help us get
Speaker 3: some advertisers. We need to get at least two hundred
Speaker 3: and fifty brand Ambition listeners to fill out this short,
Speaker 3: seven question survey to.
Speaker 1: Help us get some ads up.
Speaker 3: In the show, which will be amazing. So I'm going
Speaker 3: to put a link in the show notes to this
Speaker 3: really short surveys. It's through Libson, where we host our podcast.
Speaker 3: Just fill out this really short survey. It will be
Speaker 3: a huge help. And that's all I have to say
Speaker 3: about that.
Speaker 4: Yeah, I say it's literally like not even one minute.
Speaker 4: You're like click, click click.
Speaker 3: I kind of wish they'd ask more about our listeners.
Speaker 1: So so many questions I want to know, like do
Speaker 1: you have kids?
Speaker 3: I don't know, do you want to own a house someday? Anyway,
Speaker 3: but seven short questions it would be a huge help.
Speaker 3: You can find a link in the iTunes show notes,
Speaker 3: or you can go to brand Ambition podcast dot com
Speaker 3: and I'll post and I'll post it. I'll post it
Speaker 3: in the in the post for today show.
Speaker 2: I like catching your garback.
Speaker 1: I never know if that's coming.
Speaker 2: Because I can do what I want.
Speaker 1: It's exciting.
Speaker 3: But no to your questions, yes questions. I have a
Speaker 3: question from someone who wants to remain anonymous. She's a
Speaker 3: she's a science a science whiz. Here's here's a question. Okay, Hello,
Speaker 3: I'm a twenty eight year old chemist for a small company.
Speaker 3: I have been with this company for a little over
Speaker 3: three years. Since I've been working here, I've been making
Speaker 3: slow and steady progress my career and I work my
Speaker 3: bet off. I have noticed since I've been here, two
Speaker 3: girls who started after me and no less than me
Speaker 3: have become leads and managers of departments at my company.
Speaker 3: I am starting to feel some type of way because
Speaker 3: one of the girls has been here less than a
Speaker 3: year and I trained her. I recently found out that
Speaker 3: both girls are good friends with the supervisor of my department.
Speaker 3: How do I handle this situation? Anonymous?
Speaker 4: Ah, Molly, did you watch Insecure?
Speaker 2: Yeah?
Speaker 1: I will be in secure. Did this happen on the show?
Speaker 2: Yeah?
Speaker 4: Molly found out that her coworker guy was making like
Speaker 4: way more than her.
Speaker 3: Oh yeah, that's yeah, that's like a paything. This is
Speaker 3: a little bit Well, she doesn't mention pay I'm assuming
Speaker 3: they probably make more than she does. But this is
Speaker 3: like two women getting haired after you and getting promoted
Speaker 3: to be the leads of the department.
Speaker 1: I would feel some type of way about that too.
Speaker 4: Yeah, I feel like I don't have good experience with this,
Speaker 4: so I'm gonna like, I mean, other than saying I
Speaker 4: probably would probably honestly be interviewing for other position, I
Speaker 4: feel like I haven't been in the workforce been so long.
Speaker 2: What's say you, Mandy.
Speaker 3: Well, you know, I mean I think there's there's a
Speaker 3: lot of like parallel. So that's maybe in the entrepreneur
Speaker 3: like if you like, if you had been working for
Speaker 3: a company for a while and you find out that
Speaker 3: two other you know, I don't know, Penny ni Ste
Speaker 3: and the shopping nie Ste like double got a double
Speaker 3: you know, offer for for like a sponsorship that's worth
Speaker 3: twice as much as a sponsorship.
Speaker 2: You know, that didn't happen.
Speaker 4: So this woman emailed me by mistake somebody else's contract,
Speaker 4: and that's a.
Speaker 2: Hold up, wait a minute.
Speaker 4: So that was I was like, yeah, so I see
Speaker 4: that x y Z is getting like double that what
Speaker 4: you guys are trying to pay me. So we're gonna
Speaker 4: have to have a conversation before I move forward with anything.
Speaker 4: And I know they were like, gosh, darn it.
Speaker 2: It's like whoopsie yep.
Speaker 4: And so I just honestly, I just asked, so aside
Speaker 4: from you know, maybe looking for I mean, unless you
Speaker 4: really love this job, but it's always good too to
Speaker 4: see where else you could be appreciated, I would are
Speaker 4: you asking.
Speaker 2: For the next level?
Speaker 4: Sometimes I feel like women say I'm going to work
Speaker 4: hard and hope somebody notices.
Speaker 1: Mm hmmm, yeah, you know, okay.
Speaker 4: You know, are you saying like, oh, so of course
Speaker 4: you want to work hard, but are you making it
Speaker 4: a point to make sure people notice and say, hey,
Speaker 4: you know, hey John, you know, could I have a
Speaker 4: conversation with you? Bring your brag folder where you kind
Speaker 4: of list of like, you know, I've done this and
Speaker 4: this and this, and I really like working here and
Speaker 4: I really would like to take on some more responsibility.
Speaker 4: I'd like to be considered for x y Z, Like
Speaker 4: I don't you haven't said the chemus if if that's
Speaker 4: something that you've done, but it's certainly something you certainly
Speaker 4: should do.
Speaker 3: Here's what what struck me about her her question. She mentions,
Speaker 3: I've been with this company for a little over three years.
Speaker 3: Since then, I've been working here, making slow and steady
Speaker 3: progress in my career, and I work my butt off.
Speaker 3: It almost sounds to me, and you know, I totally
Speaker 3: get this. I mean, you think when you come into
Speaker 3: a company, you know at the time she was twenty
Speaker 3: four or twenty five years old. Because she's twenty eight,
Speaker 3: she's probably thinking, Okay, I'm going to pay my dues.
Speaker 3: I'm just going to keep my head down, do my work,
Speaker 3: and people will notice me and obviously I'll get promoted, right,
Speaker 3: But other people don't always play the game that way,
Speaker 3: and sometimes that's not the best way to play it.
Speaker 3: Sometimes this squeaky wheel does get the does get the grease?
Speaker 1: Is that the expression I'm bad at my yea squiaki
Speaker 1: wheel gets the grease?
Speaker 2: So I don't know, real.
Speaker 3: Yeah, but I agree. I think if you have to
Speaker 3: be more intentional, and you actually need to at least
Speaker 3: twice a year, you know, whether it's during your annimal review,
Speaker 3: or at least you know sometime during the year, have
Speaker 3: consistent conversations with your managers and tell them what your
Speaker 3: ambitions are, tell them how you see yourself. You know,
Speaker 3: I want to become a leader. I want to be
Speaker 3: sure that you know we're on the same page and
Speaker 3: I'm on track to take on more responsibility. It's not
Speaker 3: just about doing the job that you're doing really well,
Speaker 3: but find ways to take on more responsibilities and show
Speaker 3: and demonstrate that you're hungry for more. I think that
Speaker 3: you know, and I agree with Tiffany. You know you
Speaker 3: can't wait for someone to tap you on the shoulder
Speaker 3: and be like you you are the one. You know,
Speaker 3: I've I've watched you. You're Cinderella. Come take this glass, slipper.
Speaker 3: It won't always work that way. And I also don't
Speaker 3: want you to get too bitter about the girls who
Speaker 3: came after you and you think no less than you.
Speaker 3: Don't focus on them because they're not so much the problem.
Speaker 3: It's to ever tap them on the shoulder and gave
Speaker 3: them the opportunity. I mean, maybe you should talk to
Speaker 3: them and ask them. You know, I'm really curious. I'm
Speaker 3: interested in becoming a manager someday, would you mind grabbing
Speaker 3: a coffee and telling me about you know, how you
Speaker 3: got to where you are, opening that door to them,
Speaker 3: because I mean, maybe you know now that whether or
Speaker 3: not it's it feels right or whatever, it makes you
Speaker 3: feel a woman fezzy inside. But if they're in a
Speaker 3: leadership position now, maybe they could turn around and bring
Speaker 3: you up, you know, if you tell them that you're interested,
Speaker 3: or you know, put in a good word for you
Speaker 3: with the supervisor that they apparently know, but you know,
Speaker 3: kind of kind of flip it. Don't get stuck in
Speaker 3: the bitterness or feeling like you're not getting what you deserve.
Speaker 3: Try and try and make a positive make it a
Speaker 3: positive opportunity to build a relationship with them. Also, definitely,
Speaker 3: if you haven't yet raise your hand, ask for a
Speaker 3: meeting with your supervisor and tell don't even bring up
Speaker 3: with the women who got promoted over you. Just talk
Speaker 3: about yourself and how you want that maybe you can
Speaker 3: vaguely say, you know, I notice other people are being
Speaker 3: recognized and I just want you to know that, you know,
Speaker 3: I have been working hard and I want more to
Speaker 3: this job too. And then once you've put your cards
Speaker 3: on the table. If their reaction is, now, we have
Speaker 3: nothing for you. You know, we don't really see your potential.
Speaker 3: Even that's kind of harsh. But if you get the
Speaker 3: vibe from them that they're not going to create that
Speaker 3: path for you, or you're not going to help you
Speaker 3: push on that path, I'll.
Speaker 1: Show you the door.
Speaker 3: You need to start looking for other jobs, because then
Speaker 3: you look for another job and you know, okay, this
Speaker 3: is a dead end for me. And you've given them
Speaker 3: a chance to make you, you know, give you a
Speaker 3: reason to stay, and they haven't, you know, given you
Speaker 3: anything to They haven't given you that reason.
Speaker 1: So you're entirely within your rights.
Speaker 3: And I think it's a smart thing to start looking
Speaker 3: for work elsewhere, take your great work ethic, and move
Speaker 3: on and possibly leverage your new move to a higher
Speaker 3: position somewhere else now that you've got a few years
Speaker 3: of experience under your belt.
Speaker 4: Yeah, no, I agree, I think that. No, honestly, I
Speaker 4: think that's perfectly stated. Is that try and then if not,
Speaker 4: then you can move on knowing that you've done what
Speaker 4: you would which all that you can do. But say something,
Speaker 4: you know, don't wait for people to notice, because oftentimes
Speaker 4: people don't absolutely.
Speaker 1: I mean people, you know, and and it's it.
Speaker 3: They may not notice and I'm going to talk about
Speaker 3: this later during my win, but I'm gonna save it.
Speaker 1: They may not. They may notice it, but still like.
Speaker 3: Not they they may not. They just may be too
Speaker 3: busy or too wrapped up in other things. And then
Speaker 3: once you finally raise your hand and make them notice it,
Speaker 3: they will have time to look at you and say, oh,
Speaker 3: you're you know, you're right, and I have overlooked this,
Speaker 3: you know. Give them a give them the benefit of
Speaker 3: the doubt, I guess by by at least, and the respect,
Speaker 3: you know, to sit them down and give them a
Speaker 3: chance to to recognize everything that you've been doing for them.
Speaker 2: Exactly.
Speaker 1: Good luck chemist.
Speaker 3: We'll call it an anonymous chemist.
Speaker 2: Yeah.
Speaker 1: I'm trying to think.
Speaker 3: What's the name of the princess from Wakanda who's like
Speaker 3: the tech girl I know, Sury Princess Surry.
Speaker 2: Yeah, good luxury, you got a heirl.
Speaker 3: Okay, one more question. This is a home ownership question, Tiffany.
Speaker 3: This is actually good for you. So this is from
Speaker 3: listener arian who says, I have a question about home buying.
Speaker 3: I have been thinking about buying a home, and I'm
Speaker 3: trying to learn about home buying through auctioning. Tiffany purchased
Speaker 3: her home, her home in cash through an auction, and
Speaker 3: I'm wondering if there's a way to get financing for
Speaker 3: a home auction purchase. Please provide any tips or additional
Speaker 3: advice surrounding this process. Is that true you got your
Speaker 3: house through an auction site?
Speaker 2: I forget I did?
Speaker 4: Okay, all right, yeah, so yes, So if you're going
Speaker 4: to purchase an auction in person and then no, well
Speaker 4: you would have to bring left financing with you. So
Speaker 4: for example, let's just say you're going to you know
Speaker 4: you're going to because you can literally go to auction where.
Speaker 2: They're like five, ten, fifteen, and twenty about thirty.
Speaker 4: So, but you could go to your like say credit
Speaker 4: Union or whatever and come ready with money that you borrow,
Speaker 4: So you could do that way. So, but typically auctions
Speaker 4: want the money upfront. Now, however, you whatever you did
Speaker 4: to get it, that's up to you. But I have
Speaker 4: seen on some auction sites that they do allow for
Speaker 4: some financing, but not often because you have to look
Speaker 4: at it this way. The auction site doesn't own the property.
Speaker 4: They are merely like the middle man. They're like eBay,
Speaker 4: you know, they don't sell the product, they're just in
Speaker 4: the middle so they're not waiting to get paid because
Speaker 4: auction sites typically get like a percentage or cut of
Speaker 4: the sell of the property. So the financing probably it's
Speaker 4: almost like if you buy a car and then you
Speaker 4: go to your credit union and borrow all the money
Speaker 4: and then go to the dealership and say, hey, I
Speaker 4: have my own financing. So basically you're going to the
Speaker 4: dealer like you're buying with cash from the dealer, but
Speaker 4: the cash is finance from the credit union.
Speaker 2: So but think about this.
Speaker 4: Way, like, so my house was you know, on the
Speaker 4: not even necessarily on the higher end as far as costs,
Speaker 4: But you can find auctions if you're willing to look
Speaker 4: outside of like these, Like cause I live in Newark,
Speaker 4: which is really up and coming. It's like more and
Speaker 4: more business and enterprises are coming here, so so houses
Speaker 4: go for a little bit more. But I also saw
Speaker 4: things that you can get for ten thousand dollars, but
Speaker 4: they're run down. So that's what if you don't have
Speaker 4: a whole lot of cash, but you know you're gonna
Speaker 4: have to bring some cash to the table. Consider saving
Speaker 4: up like a lump sum, because you can save five, ten,
Speaker 4: fifteen thousand dollars, you know you can, and then purchasing
Speaker 4: a house that needs a lot of work, and then
Speaker 4: later financing what's called a two oh three K loan.
Speaker 4: And what that is is that's alone specifically set aside
Speaker 4: for innovations. So that loan becomes your mortgage, but really
Speaker 4: the bank expects you to use that money and actually
Speaker 4: will only disseminate that money when you show them specifically
Speaker 4: how you're going to fix up this beat up house.
Speaker 4: And so that's like, for example, Superman and I are
Speaker 4: looking at a second property and it's just that it's
Speaker 4: beat up. It's like you can't even go inside. But
Speaker 4: the location is amazing and it's ten thousand dollars, but
Speaker 4: the house needs.
Speaker 2: To be tore down.
Speaker 4: And for that we'll get a mortgage, but we'll get
Speaker 4: a tool of three k loan and that'll be our mortgage,
Speaker 4: and we'll fix it up and we'll we'll rent it
Speaker 4: out or we'll airbnb it out. So there are there
Speaker 4: are ways to get around it if you don't have
Speaker 4: a lot of cash to put down. I was just
Speaker 4: willing to put down a lot for this house because
Speaker 4: we were going to live here.
Speaker 3: And I imagine you're competing with a lot of all
Speaker 3: cash borrowers too, So if you don't have that cash
Speaker 3: financing you may have, it may be hard to win
Speaker 3: some exits, right.
Speaker 2: Yeah, because think about it.
Speaker 4: I mean, if someone came to you and said, hey,
Speaker 4: I really love you car, I can give you installment
Speaker 4: payments or like you know what, I you know, I
Speaker 4: have a loan and you know, or I really love
Speaker 4: your car.
Speaker 2: Here's cash right now.
Speaker 4: Cash right now is guaranteed, so people tend to you know,
Speaker 4: it's a stronger buyer that Brita's cash.
Speaker 2: But just know that cash properties don't have to be
Speaker 2: two hundred thousand dollars.
Speaker 4: You could find cash properties that are less, but you're
Speaker 4: going to they're not going to be in like, you know,
Speaker 4: amazing condition, or they might not be in this perfect place.
Speaker 4: So I know, a young girl, her mother has really
Speaker 4: taught her how to invest in. She's invested in South
Speaker 4: Jersey a lot because a lot of people are foreclosing
Speaker 4: because they're still recovering from Sandy, the the in the recession,
Speaker 4: and houses are going for ten and fifteen thousand dollars.
Speaker 4: So she's been saving. This young woman is like not
Speaker 4: even twenty five yet, and it has like two properties.
Speaker 4: She's been saving. I think her her grandmother passed and
Speaker 4: set and set aside some money for her, and she's
Speaker 4: bought properties fairly inexpensively and and you know, fix them
Speaker 4: up and then rented them out and then save that
Speaker 4: money and got the next one. So be open to
Speaker 4: the fact that you're you know, you're you're probably going
Speaker 4: to have to finance one way or the other. But
Speaker 4: you can finance on the front end, or you could
Speaker 4: pay a little bit of money and finance on the
Speaker 4: back end.
Speaker 3: Two or three K loans are really interesting. I'm going
Speaker 3: to post a guide to two or three K loans
Speaker 3: because we just did one recently at Magnified Money and
Speaker 3: they are a great way to get They're basically a
Speaker 3: renovation loan through the SAHA, the Federal Housing Administration, and
Speaker 3: I think they require they don't require a huge downpayment either.
Speaker 3: They just have to sort of deal with the requirements
Speaker 3: and a two or three K loan like they kind
Speaker 3: of control which contractors you pick and yeah, all this
Speaker 3: kind of stuff.
Speaker 1: So because you have.
Speaker 2: To think about it this way.
Speaker 4: A bank is basically lending you money to fix up
Speaker 4: what is essentially they believe their property until you pay
Speaker 4: off that loan. So they're like, I hear you that
Speaker 4: you want marble floors, but in this neighborhood, we're not
Speaker 4: gonna be able to recoup our money with your mars.
Speaker 4: We need you to fix this bathroom and fix this,
Speaker 4: and do this and do that. So bank like two
Speaker 4: three klons are a little bit stricter with what you
Speaker 4: do with the money because the bank is like, they
Speaker 4: essentially need you to bring the property up to the
Speaker 4: to the value of the two oh three k loan,
Speaker 4: so that way, if you don't pay they can take
Speaker 4: it and resell it and get their money back. But yeah,
Speaker 4: but it's definitely something worth looking into, especially if you're
Speaker 4: buying like a super fixer up, Like you're not gonna
Speaker 4: get a two three k lo for like ten thousand bucks.
Speaker 4: Banks are not doing that. It would have to be
Speaker 4: I don't remember what the cutoff is, but it has
Speaker 4: to be a pretty good amount of money, Like the
Speaker 4: house has to need a pretty good amount of work
Speaker 4: in order to qualify.
Speaker 3: Well, thank you for your question, Arian and if you
Speaker 3: guys have more questions for us, hit us up at
Speaker 3: Brand Ambition podcast dot com. Nope, okay, it is so
Speaker 3: manipulative and mean, or you can send us an email
Speaker 3: at Brand Edition Podcast at gmail dot com.
Speaker 1: Now you're waiting for it.
Speaker 5: Oh, she is always This is.
Speaker 1: A lovely time for wins.
Speaker 2: Yes, because all we do is Wayne, Wayne, Wayne, no
Speaker 2: matter what.
Speaker 3: So my win today, I'm actually just going to do
Speaker 3: a really quick shout out.
Speaker 1: I want to.
Speaker 3: I don't know if you've seen the new video from
Speaker 3: Drake Nice for What, which has like every beautiful brown
Speaker 3: celebrity activist, woman in power on the planet basically in
Speaker 3: this in this video. It's amazing. But then I found
Speaker 3: out that the director is just this twenty two year
Speaker 3: old woman. Her name is Karen Evans, and she's just
Speaker 3: twenty two years old, and she's killing it. And I'm
Speaker 3: gonna do my win for her this week.
Speaker 2: So my Wayne is not quite as inspirational. It's just
Speaker 2: a little fun.
Speaker 4: I don't know if you saw this on our Facebook page, guys,
Speaker 4: but athletes of brown and black descent when they've well
Speaker 4: you know what I mean, like brown and black athletes.
Speaker 2: I was trying to be faking.
Speaker 3: I'm sorry.
Speaker 1: I'm sorry I continue.
Speaker 2: That sound crazy.
Speaker 4: No, but so I just think it's really cute that,
Speaker 4: you know, when they've won or they've gotten a point
Speaker 4: or whatever, that they've been doing the Wakanda Forever salute.
Speaker 4: And I just think that, I don't know, that just
Speaker 4: brings me Jordan like that this movie like it's just
Speaker 4: a movement, you know. I just and I just think
Speaker 4: that that's just the movie. I know I did Wakanda,
Speaker 4: like I think hitting over a billion dollars.
Speaker 2: I think I did it last week or something.
Speaker 4: But I just think that there's a surge and maybe
Speaker 4: that's what the win is that I don't know if
Speaker 4: you guys can feel it, but I certainly can.
Speaker 2: That there's this undercurrent of.
Speaker 4: Just like appreciation for brown and black blackness and not
Speaker 4: like I'm talking about, not necessarily from the outside world,
Speaker 4: like from each other.
Speaker 2: You know, I can see it on social media. I can't.
Speaker 4: Oh a, my my bad, that's one of my brown
Speaker 4: friends trying to call me. See they know I take
Speaker 4: by this time. But yeah, just this appreciation for brown
Speaker 4: and blackness that I've seen, Like one of my friends
Speaker 4: turn name is Yaba doctor yaba blay and she's got
Speaker 4: this hashtag and this Instagram account which I love called
Speaker 4: professional black Girl. And if you just need sometimes a
Speaker 4: boost of like and it's just all things brown and
Speaker 4: black girls.
Speaker 2: Like.
Speaker 4: So sometimes it's like a little girl singing a song.
Speaker 4: Sometimes it's just like a beautiful woman in Africa. Sometimes
Speaker 4: it's just like girls here in the US like stepping
Speaker 4: or girls in New Orleans like Second Line Band or
Speaker 4: whatever it is that is that represents our culture. And
Speaker 4: so I'm just feeling like this, like feeling this love.
Speaker 4: I feel like it's it's it's probably similar to there
Speaker 4: was a time in history when everyone was kind of
Speaker 4: reclaiming their blackness and they were naming their kids. That's
Speaker 4: when like Queen Latifa came out and everyone was getting
Speaker 4: like Muslim names and and it was like.
Speaker 2: Afros and you know.
Speaker 4: And I just think that there's something happening now, and
Speaker 4: I'm just glad that we have a podcast that helps
Speaker 4: to partially capture that movement and also move that movement forward.
Speaker 4: So a wind for Wakanda and a wind for brownness
Speaker 4: and the win for blackness.
Speaker 1: I'm doing this salute right now. You can't see it.
Speaker 2: I'm like, I'm doing it too, what kind of whatever?
Speaker 3: Now, everybody go watch Chadwick on SNL because it was
Speaker 3: the best hilarious that was Block Jeopardyards.
Speaker 4: It was everything he said, Oh I see now, yes,
Speaker 4: all right, mandra.
Speaker 1: On fellow homeowner. Yeah, keep us postomach keep posted.
Speaker 3: I might elbow my way into that group chain.
Speaker 1: Eventually I'm try and it in.
Speaker 3: I'm trying them to in write.
Speaker 2: Right.
Speaker 4: Oh I didn't even say so just in case you're asking.
Speaker 4: People are going to ask me and I'm like, oh,
Speaker 4: please don't email me. The company of the couple. Their
Speaker 4: their business is called Blue b Lu, Blue Home Home
Speaker 4: Design and Development. They're on Twitter and no Instagram Blue
Speaker 4: Home and Design and Development. Because last time I mentioned them,
Speaker 4: so many people hit me up and I was like,
Speaker 4: oh I can't answer everyone back and people were mad
Speaker 4: at me. So just in case you want to follow
Speaker 4: them on because they're going to be like posting our
Speaker 4: pictures and stuff. So if you want to kind of
Speaker 4: see like our journey, Blue Home Design and Development.
Speaker 1: Awesome, all right
Speaker 2: For a ball, yes, what kind of forever