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Speaker 1: Hump Day.

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Speaker 2: Oh so this is our first hump Day edition of

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Speaker 2: the BA podcast.

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Speaker 3: We're officially a day later in the week. Does it

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Speaker 3: feel I guess I feel more haggard since it actually

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Speaker 3: is Wait, no, today isn't hump Day. Today is Tuesday.

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Speaker 3: That is how haggard I feel. I don't even know

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Speaker 3: what day of the week it is.

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Speaker 1: Well, I listeners will have it on hump Day though.

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Speaker 3: Yeah, so hopefully this is like a nice hump day

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Speaker 3: pick me up, like we're halfway through the week. Get

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Speaker 3: to listen to a little brow ambition on the train

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Speaker 3: or in your car or doing the dishes or whatever,

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Speaker 3: and just know that we are there with you and

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Speaker 3: there are only three more days.

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Speaker 1: Man, three more day.

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Speaker 2: Even though for me that doesn't mean anything, that's the

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Speaker 2: thing for entrepreneuri Sometimes I'm like, who am I?

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Speaker 1: What day is it? What time is it? What time zone?

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Speaker 2: Because I'll still like, I mean, Saturdays are pretty chill

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Speaker 2: Sundays for the most part, except for the evening. But yeah,

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Speaker 2: I'm trying to learn how to carve out some some time.

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Speaker 2: But you know, when you one thing I have learned

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Speaker 2: is that I mean, I guess every entrepreneur is somebody

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Speaker 2: who's starting a new project, or even I'm sure when

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Speaker 2: you started your new job, you know, like in the

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Speaker 2: beginning of starting something, it takes a lot more time

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Speaker 2: because I guess the learning curve has to be you know,

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Speaker 2: adhered to, and then you hopefully start to coast a

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Speaker 2: little bit once you once you figure it out.

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Speaker 3: Yeah, I mean I've worked for both startups. I mean,

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Speaker 3: I'm Magnify Money. It was a startup officially. We were

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Speaker 3: acquired over the summer, which is really exciting, But then

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Speaker 3: that in a lot of ways, we are like a

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Speaker 3: startup on an even grander scale now because the company

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Speaker 3: that required us is has never really done such made

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Speaker 3: such a big investment in content before, and now we're

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Speaker 3: like creating an editorial process for like all of their websites.

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Speaker 3: So it feels like I was working for a startup

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Speaker 3: before and now it's like I don't even know back

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Speaker 3: at Yahoo right, No, no, no, no, Yahoo. At least

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Speaker 3: Yahoo was you know, a big corporate environment at that point.

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Speaker 3: There were so many systems in place that like it

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Speaker 3: was more about how to work around the roadblocks to

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Speaker 3: get stuff done. If anyone's listening, who works for a

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Speaker 3: big company like, yeahoo, you know what I'm talking about.

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Speaker 3: It said, Okay, what do I have to do to

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Speaker 3: get to point D when there's like a B and

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Speaker 3: C in my way? But with lending Tree, it's kind

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Speaker 3: of it's exciting, but it's also like, you know, twelve

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Speaker 3: hour work days forever for the last like two months

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Speaker 3: and probably for the foreseeable future. Future is like how

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Speaker 3: do you create a system like like being at the

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Speaker 3: beginning when you're like literally saying, here's how this system

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Speaker 3: is going to run, and here's how it's going to

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Speaker 3: run forever, and it's like working out all the inevitable

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Speaker 3: kinks and working with all these new people. So anyone

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Speaker 3: who's ever like had to come into a like a

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Speaker 3: company as the new person managing a team or like

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Speaker 3: managing a part of the business, and then you're dealing

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Speaker 3: with like a bunch of people you don't know and

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Speaker 3: they've sort of been used to how things were for

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Speaker 3: a certain amount of time, and then you come in

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Speaker 3: and you're part of like the new quote unquote regime

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Speaker 3: and like sort of going to change things. And it's

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Speaker 3: just that it's it's like the most I keep saying,

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Speaker 3: it's like a professional workout because I've never like literally

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Speaker 3: never been more challenged in my in my career, and

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Speaker 3: it feels like if it it's exhausting, and it's like

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Speaker 3: the hardest thing I've ever done in like a lot

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Speaker 3: of days. I just like, literally today I was so

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Speaker 3: distracted that I just ran through the termstyle the turnstile

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Speaker 3: at the subway, like ran into it without even swiping anything,

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Speaker 3: and like got bruise on my legs and people were like,

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Speaker 3: what's wrong with you, lady. But it also feels like

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Speaker 3: at the beginning of like a real like when you're

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Speaker 3: training for a marathon or you know, when things are

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Speaker 3: like really really freaking hard and you don't know if

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Speaker 3: you can do it, and it just I just have

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Speaker 3: to like keep reminding myself that this is growth, and

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Speaker 3: this is this is the best This is the best

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Speaker 3: result that can happen when you like leave a big

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Speaker 3: corporate job and then take a chance and go work

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Speaker 3: for a startup and your company gets acquired and then

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Speaker 3: you get more responsibilities and it's like everything that's supposed

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Speaker 3: to happen, it's just like, oh, now it's happened, and

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Speaker 3: now it's like the figuring out how to deal with

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Speaker 3: it all has been it's been a it's been a

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Speaker 3: crazy summer.

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Speaker 1: So yeah, you've been like up and down and all around, up.

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Speaker 3: And down and all around, but all in all pretty good.

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Speaker 3: I feel like this is I mean, like I said,

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Speaker 3: if anyone's out there listening and you work for a

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Speaker 3: big company, you know exactly what I'm talking Abot. You're

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Speaker 3: like nodding your heads right now. Yes, I know, Stacy.

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Speaker 3: An account thing never sends me what I need to

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Speaker 3: get to Bob and like accounts payable, Like ugh, I

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Speaker 3: feel you. I feel you.

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Speaker 2: Sometimes like I well, you know, it's all crazy. I've

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Speaker 2: literally well I won't say I never work in corporate

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Speaker 2: America just for like, uh, it had to be maybe

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Speaker 2: two or three years when I had my internship, but

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Speaker 2: I didn't really get like I mean, I got a sense.

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Speaker 1: Of kind of the environment of corporate America.

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Speaker 2: And even then I think it was like corporate America lights,

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Speaker 2: and so I have like I don't have that experience.

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Speaker 2: I'm always like, wait, how was it? What's that about?

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Speaker 1: You know, of like.

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Speaker 3: There's definitely not one experience either, because you know, I

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Speaker 3: could just keep thinking about how many jobs I've had

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Speaker 3: and I've had a lot, like four or five major

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Speaker 3: jobs since I moved to New York eight years ago.

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Speaker 3: But it's like at each place and you can say, well,

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Speaker 3: it's not good to bounce around, but like I've gotten

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Speaker 3: such unique experiences like working at Business Insider when it

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Speaker 3: was a young startup and then going to Yahoo when

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Speaker 3: it was an established corporate like media tech giant that's

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Speaker 3: like crumbling at the seams and falling apart, and like

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Speaker 3: everyone's sort of like, you know, trying to get the

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Speaker 3: water out of the boat with little buckets, you know,

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Speaker 3: like corporate environment, but when the company is like not

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Speaker 3: doing well, and then going back to a startup and

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Speaker 3: then now working at a company where like Fortune magazine

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Speaker 3: just named us the top three fastest growing financial firms

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Speaker 3: and the company is doing great, and like there's all

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Speaker 3: this excitement and it's just it's a different it's just

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Speaker 3: so different, and I feel, really, I feel really fortunate

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Speaker 3: to at least have had the opportunities to get all

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Speaker 3: these different varied experiences because everything is helping inform like

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Speaker 3: in helping me like deal with the challenges that I'm

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Speaker 3: facing now, and I'm learning this is so much more

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Speaker 3: than I would have learned if I had stayed where

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Speaker 3: I was as a reporter a Yahoo, so much more

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Speaker 3: like and this is, yes, this is I'm exhausted. You

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Speaker 3: talk now, I know.

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Speaker 1: I'm running out.

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Speaker 3: Literally, I don't have any more words.

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Speaker 2: I I get hear and honestly that you sound like yeah.

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Speaker 2: Sometimes that's how it goes. It's like you're this is

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Speaker 2: I mean, which is good because what it's literally doing

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Speaker 2: is clearly stretching you, like beyond the boundaries of what

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Speaker 2: you even probably thought that you could bring to the table,

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Speaker 2: which is good in some ways, but also really exhausting

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Speaker 2: because stretching is not just this physical stretch, it's also

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Speaker 2: it's also a lot on you mentally and emotionally. And

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Speaker 2: so whenever you whenever you kind of do something new,

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Speaker 2: that's what it looks like.

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Speaker 1: I remember the first time I did delivered your challenge,

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Speaker 1: I was so overworked.

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Speaker 2: I thought like I was going to explode from the

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Speaker 2: inside because it was something so new. Every turn I

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Speaker 2: had to figure out like a new route. Because I

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Speaker 2: had never created an online movement or platform. I had

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Speaker 2: to learn how to build a website, and this is

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Speaker 2: things I had never done before. And so I remember

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Speaker 2: at one point I almost had a nervous breakdown because

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Speaker 2: I was just like, oh my gosh, I'm stretched to

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Speaker 2: the max. And after the challenge was done, I got

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Speaker 2: sick for like I was like sick for like three

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Speaker 2: weeks in the bed with like this is cold. But

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Speaker 2: I guess it was just my body, in my mind

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Speaker 2: and my heart and my soul saying enough.

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Speaker 1: And not that I.

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Speaker 2: Encourage anyone to push themselves that far, but sometimes giving

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Speaker 2: birth to a new you or just learning new skills

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Speaker 2: and stretching, it's it's a lot, and it's overwhelming, and

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Speaker 2: that's what it sounds like. I know, I don't even

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Speaker 2: I mean, I have a new project that I'm working

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Speaker 2: on and I've been avoiding going because I know it's

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Speaker 2: gonna take a lot, and I'm like, all right, I

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Speaker 2: gotta gear up. I gotta get my veggies in and

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Speaker 2: my water straight and my exercise routine, because you got

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Speaker 2: to be physically fit in order to take on some

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Speaker 2: new projects.

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Speaker 3: Sometimes well I definitely haven't been like physically fit, but

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Speaker 3: I've been sleeping, like I really, I at least try

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Speaker 3: and I at least try and get my seven hours

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Speaker 3: of sleep because otherwise I will not have any fuel

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Speaker 3: on the tank, and eating carbs because my nutritionist says

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Speaker 3: the brain needs carbs too, and that's that's helpful. And

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Speaker 3: like focusing on hiring and trying to it's a really

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Speaker 3: privile space because you're building something. But I also get

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Speaker 3: to hire people in a team, and it's like really

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Speaker 3: focusing on finding the best people. And I'm really excited

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Speaker 3: about some of the people we've I've picked to join

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Speaker 3: the team this month, So hopefully, hopefully like October, no,

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Speaker 3: maybe December, maybe I'll be like a little bit a

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Speaker 3: little bit more, a little bit more settled. But all

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Speaker 3: good stuff. Change is good.

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Speaker 1: It is. So I've got some good news.

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Speaker 3: Did you buy a house?

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Speaker 2: I may have or at least got it approved my

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Speaker 2: bid finally, so you know, shout out to the old

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Speaker 2: waltor who hit me up and was like, hey, we

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Speaker 2: could finally get inside the house. I'm like, girl, I

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Speaker 2: bought the house. She was like, wait, what like two

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Speaker 2: weeks later, you can finally just getting around to it.

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Speaker 2: But I was like, nah, girl, I'm good. No, but

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Speaker 2: she was good about it. I didn't, you know, I

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Speaker 2: just said hey, I didn't even offer any feedback or

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Speaker 2: she didn't ask for it.

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Speaker 1: I just said, you know, thank you for all your word.

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Speaker 2: You know, I've already seen The house that she was

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Speaker 2: talking about was one that I had asked her about

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Speaker 2: weeks ago, and I had already actually seen it because

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Speaker 2: I spoke to the owner himself personally because I was

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Speaker 2: waiting for her and it never came through.

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Speaker 1: So and I'd seen it and decided I didn't like it.

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Speaker 1: So when she hit me up, I.

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Speaker 2: Just said, oh, no, thanks, I've already seen it a

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Speaker 2: couple of weeks ago. But you know we're gonna go

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Speaker 2: in a different direction. Means superman, but I do, you know,

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Speaker 2: wish you well.

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Speaker 1: And she was nice. She was like okay, cause she's

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Speaker 1: friends with one of my friends.

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Speaker 2: And she was like, you know, we eat lunch, we

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Speaker 2: have dinner, you know, once a week.

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Speaker 1: You know, you're welcome to join us.

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Speaker 2: And so I said, okay, so you know, like I

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Speaker 2: followed your advice that I said, you know what, you

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Speaker 2: just you give feedback one requested unless they're like, you know,

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Speaker 2: really good friends or family of yours, and you're like,

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Speaker 2: well you're getting this feedback regardless, you know.

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Speaker 1: But I was like, she's grown.

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Speaker 2: So she didn't ask for feedback, So I'm not because

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Speaker 2: even when I try to sneak in a little feedback

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Speaker 2: and say, oh, hey, you know the day that we

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Speaker 2: met a couple of weeks ago, you know, I reached

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Speaker 2: out to him directly and I saw the house on

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Speaker 2: my own. I was hoping she was gonna be like,

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Speaker 2: oh my gosh, but she was like okay. I was like,

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Speaker 2: you know what, bye.

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Speaker 3: People know what they did wrong, and they don't really

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Speaker 3: you know what I mean, Like.

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Speaker 2: Yeah, they're like, you know what, I'm actually just not

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Speaker 2: gonna address that.

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Speaker 1: We're just gonna do to the dude.

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Speaker 2: So the house that we bought as well, we're still

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Speaker 2: obviously it's not yours until you have the keys, but

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Speaker 2: it's beautiful. It's a five bedroom, three and a half bath.

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Speaker 2: And homes in that area that are in okay condition,

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Speaker 2: which is this house is in it's no, this house

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Speaker 2: is in a pretty decent condition, but like in the

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Speaker 2: condition it's in now. At minimum, they go for two

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Speaker 2: fifty at minimum, and that's on the low end, but

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Speaker 2: like homes like that are like done and they can

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Speaker 2: go from three hundred on up between three hundred and

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Speaker 2: three fifty. But even on up, depending on how many

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Speaker 2: bedrooms and how grand the house is. Because this section

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Speaker 2: in Newark it's called Forest Hills and it's the nice

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Speaker 2: sixth section in Newark, so it's where the most expensive

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Speaker 2: how homes are and so we were able to get

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Speaker 2: so first, I guess opening bid was like seventy five thousand,

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Speaker 2: so we bid that.

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Speaker 3: And this is a foreclosure or yeah, it.

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Speaker 2: Was a foreclosure yep, okay, and so yeah, so it

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Speaker 2: so the bank who foreclosed on the property, I guess

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Speaker 2: put it. I don't know if like the auction online

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Speaker 2: auction site. I guess it's like I'm sure they have

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Speaker 2: some they work something out where when the online auction

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Speaker 2: site sells that they get a piece and the bank

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Speaker 2: obviously gets to sell their property, so they At first,

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Speaker 2: this house was on like realtor, dot com and Truly

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Speaker 2: and all the other websites, and so that's what she

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Speaker 2: had originally sent to me, like, Hey, there's this house.

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Speaker 2: And then maybe two days later, the house was taken

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Speaker 2: down and I looked everywhere for it because I really

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Speaker 2: you know, I was really interested because I found an

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Speaker 2: old listing of the house and I was able to

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Speaker 2: see pictures of the inside, and I said, wow, this

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Speaker 2: looks like a great house. And so after doing some digging.

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Speaker 2: It took a while, but I found it on this

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Speaker 2: like this website called why am I gonna? Because you know,

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Speaker 2: let me buy this house? Work befo, y'all go ahead

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Speaker 2: and dig in. Anyway, I found it on this website.

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Speaker 3: Because everyone wants to buy a house in New York

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Speaker 3: who listens to.

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Speaker 2: You never know the waye Nort's getting scooped up. Now,

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Speaker 2: I said, let me sign these papers first. So I

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Speaker 2: found it on this website that's not super popular, and

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Speaker 2: I was like, oh, you know what, And so I

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Speaker 2: hit her up and I said, hey, you know this

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Speaker 2: house is here, Now how do we bid?

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Speaker 1: And she wasn't really sure.

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Speaker 2: And that's when I decided to move on because she

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Speaker 2: said it costs two fifty to bid, which it didn't.

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Speaker 2: And so my new realtor was like, sure, you just

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Speaker 2: bid basically, so she set up the bidding process, and

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Speaker 2: you know, she was like, well, start at the asking bid,

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Speaker 2: which is seventy five thousand dollars. So we bid that

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Speaker 2: and nothing happened because when you bid it lets you

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Speaker 2: know if the reserve has been met, and so the

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Speaker 2: reserve just basically means the minimum the bank will take.

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Speaker 2: And so we bid seventy five, and then someone else

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Speaker 2: bid like seventy six, and so we were going up

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Speaker 2: and up and up, and she'd asked me kind of like,

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Speaker 2: what's the max I want to go up to?

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Speaker 1: And I said one, and so so.

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Speaker 2: It went up and up and up, and finally we

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Speaker 2: hit one fifty, then one fifty one, and we really

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Speaker 2: didn't have any competitions, maybe like one or two other people,

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Speaker 2: and they had dropped out a while ago, and we

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Speaker 2: still hadn't met the reserve. But I was like, well,

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Speaker 2: let's just stop here at one fifty one. So we

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Speaker 2: won the bid quote unquote, but we never met the reserve.

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Speaker 2: So they emailed us and said, hey, you won the bid,

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Speaker 2: but the bank's reserves one eighty five. And at first

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Speaker 2: I was like, oh, hell, no, anybody paying one eighty five.

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Speaker 2: But then we started to do comps in the area

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Speaker 2: and found that the house and its current condition, the

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Speaker 2: way it is now, is really worth at minimum two fifty.

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Speaker 2: So one fifty is an amazing deal. One eighty five

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Speaker 2: is an amazing deal as well.

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Speaker 3: Did you know inspection to do the like you get

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Speaker 3: us terms of what the work would be.

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Speaker 1: So that's exactly.

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Speaker 2: So we had my husband, since he works in the business,

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Speaker 2: he had a friend of his who's a contractor, and

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Speaker 2: then my realtor also had a contractor come out. But

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Speaker 2: tomorrow we're actually getting the official inspection inspection. Like we're

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Speaker 2: like they come out with the fine tooth comb because

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Speaker 2: the contract is just kind of walked through and kind

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Speaker 2: of was like, oh, you know this here, But honestly,

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Speaker 2: most of them, the two contractors basically said, what I

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Speaker 2: see that needs to be done is cosmetic based upon

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Speaker 2: your like I don't like there's a carpet. There's original

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Speaker 2: hardwoods on the second floor and carpet on the third

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Speaker 2: and I'm like, I want the carpet taken out. So

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Speaker 2: I would say ninety percent of the work is really cosmetic,

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Speaker 2: like painting. There's a little bit of popcorn not ceiling,

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Speaker 2: but like I don't know, there's this wall like in

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Speaker 2: the hallway that has like the popcorn thing, so I'd

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Speaker 2: want that taken down.

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Speaker 1: So mostly just cosmetic stuff.

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Speaker 2: So they were like, you know, they didn't give me

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Speaker 2: a price range, but just like you know, these are

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Speaker 2: things that you can do that he's like, you, like,

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Speaker 2: my husband can do as far as painting and retiling.

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Speaker 2: The bathrooms are in pretty good condition, except for I

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Speaker 2: want to I want to create like a really beautiful

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Speaker 2: master bat. So I wouldn't want to That's the only

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Speaker 2: bathroom I'd want to redo. And so yeah, I'm excited

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Speaker 2: because so she kept ching up my realtor and then

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Speaker 2: finally we hit one eighty and they accepted it. So

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Speaker 2: we got it for five thousand dollars less than what

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Speaker 2: they're wanting. And honestly, both contractors are like, if it

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Speaker 2: was me, I would buy that house from one eight,

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Speaker 2: like because of the foreclosure.

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Speaker 1: Like there's still like furniture in there.

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Speaker 2: So there's couches, there's like wardrobes, there's dining table, you know,

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Speaker 2: and they're.

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Speaker 3: Like little Susie's doll in the bedroom dust collecting. They're like,

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Speaker 3: drop the dolls, Susie, we gotta go.

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Speaker 2: Clearly they were planning like a party, like literally there's

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Speaker 2: like party favorites, like they were filling a little box

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Speaker 2: with party car I was like, oh my gosh, Like

357
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Speaker 2: whose birthday was it. There's clearly there was like a

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Speaker 2: pizza party, and I'm like wow, did they have like

359
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Speaker 2: their last birthday party, here'd be like, we have to go.

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Speaker 3: I mean, if you're in New Jersey, every every week,

361
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Speaker 3: every month, I get the new foreclosure update for the nation,

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Speaker 3: and New Jersey is always at the top of the list.

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Speaker 3: So if you're looking for foreclosures.

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Speaker 1: I count of the foreclosure when I was in my twenties.

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Speaker 3: At least sion Like you hadn't you know, you lost

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Speaker 3: your job, you know what I mean. Like now it's

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Speaker 3: like Jersey. While other places have gotten better, something's happening

368
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Speaker 3: in Jersey and foreclosures are just going up, up up.

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Speaker 1: That's crazy.

370
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Speaker 2: But yeah, so I'm excited to be able to They

371
00:17:11,160 --> 00:17:13,160
Speaker 2: were like, if you just clean this house out, Tiffany

372
00:17:13,560 --> 00:17:16,119
Speaker 2: and sweep, you could sell for two fifty And so

373
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Speaker 2: they're like, you should just flip it. But honestly, I

374
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Speaker 2: want a place to live like I could, but I don't.

375
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Speaker 1: Want to live where we live anymore, you know.

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Speaker 2: And so even though like you know, it's a what

377
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Speaker 2: I like about it is that although we're going to

378
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Speaker 2: live there, it's a great investment, which I think is important.

379
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Speaker 2: And that's the lesson I wish I would have learned

380
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Speaker 2: when I bought my condo. Is that a home is

381
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Speaker 2: not just a place to live. I wasn't thinking about

382
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Speaker 2: an investment. I'm like, this is just my house. So

383
00:17:38,680 --> 00:17:41,119
Speaker 2: I paid too much for my condo. So when it

384
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Speaker 2: came time to the when I couldn't afford it, I

385
00:17:43,080 --> 00:17:45,600
Speaker 2: couldn't rent it out for what the mortgage was. So

386
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Speaker 2: I was always in the hole. And now we're buying

387
00:17:49,000 --> 00:17:51,359
Speaker 2: this as an investment that we live in. You know,

388
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Speaker 2: we're really thinking about, like, so worst case scenario, we'll

389
00:17:54,080 --> 00:17:55,879
Speaker 2: one We're buying a cash so we're not you know,

390
00:17:55,880 --> 00:17:58,240
Speaker 2: I'm not worried about a mortgage. But let's just say

391
00:17:58,280 --> 00:18:00,880
Speaker 2: we had a mortgage on it. You know, we could

392
00:18:00,880 --> 00:18:02,720
Speaker 2: easily rent it out for way more than what the

393
00:18:02,760 --> 00:18:05,439
Speaker 2: mortgage would be. And so really just thinking about this

394
00:18:05,560 --> 00:18:08,439
Speaker 2: as like, Okay, this is an instant investment. As soon

395
00:18:08,480 --> 00:18:11,119
Speaker 2: as you're signed the papers. We have a minimum equity

396
00:18:11,119 --> 00:18:13,080
Speaker 2: of about seventy thousand dollars. If you fix it up

397
00:18:13,240 --> 00:18:15,280
Speaker 2: even more, maybe up to one hundred thousand dollars in

398
00:18:15,320 --> 00:18:19,480
Speaker 2: equity in this home, and no credit polls, no strain

399
00:18:19,560 --> 00:18:21,359
Speaker 2: on your credit, and now we can look for our

400
00:18:21,440 --> 00:18:22,920
Speaker 2: multi family house we want to buy at least a

401
00:18:22,960 --> 00:18:26,000
Speaker 2: few properties, so we can have some income anywhere from

402
00:18:26,560 --> 00:18:29,000
Speaker 2: a thousand to five thousand dollars a month in property

403
00:18:29,280 --> 00:18:32,480
Speaker 2: like income every month from properties coming in. And this

404
00:18:32,520 --> 00:18:35,840
Speaker 2: will allow us to do so without with this first

405
00:18:35,880 --> 00:18:39,199
Speaker 2: home not being like a financial burden on us monthly.

406
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Speaker 1: So I'm really excited about it.

407
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Speaker 3: Well, it's interesting. I mean, it's important what you said, Yeah,

408
00:18:43,160 --> 00:18:44,800
Speaker 3: it's an investment, but I think a lot of people

409
00:18:44,880 --> 00:18:46,960
Speaker 3: use that it's really how you think of an investment

410
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Speaker 3: and like doing it the smart way for a house,

411
00:18:48,920 --> 00:18:50,480
Speaker 3: because I think what got a lot of people in

412
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Speaker 3: trouble before, like during the recession, is they were thinking

413
00:18:53,640 --> 00:18:55,359
Speaker 3: of it as an investment too, but they were also

414
00:18:55,440 --> 00:18:58,000
Speaker 3: thinking this is a surefire thing. It's you know, they

415
00:18:58,000 --> 00:19:00,040
Speaker 3: weren't considering that they have to rent it out in

416
00:19:00,080 --> 00:19:01,800
Speaker 3: the future, like what would happen if they could no

417
00:19:01,840 --> 00:19:05,760
Speaker 3: longer afford the mortgage payment, and and they were and

418
00:19:05,800 --> 00:19:07,840
Speaker 3: a lot of people thought that it would be their

419
00:19:07,880 --> 00:19:10,840
Speaker 3: nest egg, like this is my retirement, you know, And

420
00:19:10,880 --> 00:19:13,680
Speaker 3: so when their home values crashed after the recession, their

421
00:19:14,000 --> 00:19:16,040
Speaker 3: they weren't just losing their house, they were losing their

422
00:19:16,160 --> 00:19:19,040
Speaker 3: like them, their nest egg and I think that's what's changed,

423
00:19:19,080 --> 00:19:21,679
Speaker 3: is like the perception of a home. It's not a

424
00:19:21,720 --> 00:19:24,719
Speaker 3: safe place to put your retirement money because it's like

425
00:19:24,760 --> 00:19:26,720
Speaker 3: a it's an asset that can go up, just like

426
00:19:26,760 --> 00:19:28,479
Speaker 3: any stock, like I can go up and down with

427
00:19:28,520 --> 00:19:31,439
Speaker 3: any fluctuation in the market. But like the way you're

428
00:19:31,480 --> 00:19:33,760
Speaker 3: approaching it is like the smart way to think of it,

429
00:19:34,680 --> 00:19:37,000
Speaker 3: you know, as an investment. But what you know, worst

430
00:19:37,040 --> 00:19:38,919
Speaker 3: case scenario is is still going to work out for

431
00:19:38,960 --> 00:19:40,520
Speaker 3: me exactly.

432
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Speaker 1: And I wish I would have known that earlier.

433
00:19:41,920 --> 00:19:43,399
Speaker 2: I mean, but you know, we all make those like

434
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Speaker 2: kind of like, oh, I wish I would have known

435
00:19:45,680 --> 00:19:46,800
Speaker 2: kind of mistakes and.

436
00:19:47,000 --> 00:19:48,280
Speaker 1: Buying it low, you know it.

437
00:19:48,480 --> 00:19:50,520
Speaker 2: I someone told me, a realtor told me that she's like,

438
00:19:50,560 --> 00:19:52,639
Speaker 2: when you finally find the right house, you're going to

439
00:19:52,680 --> 00:19:54,359
Speaker 2: be so glad you didn't get the others that you

440
00:19:54,400 --> 00:19:57,679
Speaker 2: wanted so bad. And she's right, because there was another

441
00:19:57,760 --> 00:20:00,480
Speaker 2: three family house and we would have bought it top

442
00:20:00,520 --> 00:20:05,200
Speaker 2: of the market, and although it was great monthly income,

443
00:20:06,119 --> 00:20:07,040
Speaker 2: it wouldn't.

444
00:20:06,680 --> 00:20:10,240
Speaker 1: Have made sense because you know, it.

445
00:20:10,160 --> 00:20:12,320
Speaker 2: Would have made sense in a way, but we you know,

446
00:20:12,680 --> 00:20:14,719
Speaker 2: it would have taken a while for the house to

447
00:20:14,720 --> 00:20:16,480
Speaker 2: be worth more than what we bought it for.

448
00:20:16,920 --> 00:20:18,760
Speaker 1: And so with this house, you know.

449
00:20:19,040 --> 00:20:22,040
Speaker 2: Like unless like you know, barring like you know, another riot,

450
00:20:22,640 --> 00:20:25,359
Speaker 2: it's unlikely that the house value is going to drop

451
00:20:25,400 --> 00:20:29,840
Speaker 2: to as low as we bought it for. So well,

452
00:20:29,880 --> 00:20:31,600
Speaker 2: you know, like the nineteen sixties, you know, Newark kind

453
00:20:31,640 --> 00:20:33,320
Speaker 2: of big, Like yeah, that's.

454
00:20:33,200 --> 00:20:34,639
Speaker 3: What is there a recent one? I missed this?

455
00:20:35,480 --> 00:20:35,680
Speaker 1: Yeah?

456
00:20:35,800 --> 00:20:38,359
Speaker 2: No, but like that's the reason why Newark became to

457
00:20:38,400 --> 00:20:40,600
Speaker 2: do because before Newark was the place that you moved

458
00:20:40,600 --> 00:20:43,000
Speaker 2: to when you were moving on up, like, you know,

459
00:20:43,040 --> 00:20:45,640
Speaker 2: the homes were beautiful, and then after the riot there

460
00:20:45,760 --> 00:20:48,439
Speaker 2: was just this mass exodus and then Newark suffered for

461
00:20:48,520 --> 00:20:51,720
Speaker 2: years and years and years, and you know, it's now

462
00:20:51,800 --> 00:20:54,679
Speaker 2: seeing a resurgence like Brooklyn, where people are wanting to

463
00:20:54,680 --> 00:20:58,520
Speaker 2: move here and home prices are going up thousands, sometimes

464
00:20:58,560 --> 00:21:01,080
Speaker 2: tens of thousands in a week. Like literally we'd see

465
00:21:01,080 --> 00:21:02,440
Speaker 2: a place and they'd be like, oh, yeah, it's worth

466
00:21:02,480 --> 00:21:05,280
Speaker 2: a two hundred thousand dollars, and then a week later

467
00:21:05,720 --> 00:21:07,800
Speaker 2: we saw we lost a bid and someone paid two

468
00:21:07,840 --> 00:21:10,359
Speaker 2: fifty because of the block something else, so for two

469
00:21:10,440 --> 00:21:13,040
Speaker 2: fifty and you're like what in a week. So it's

470
00:21:13,080 --> 00:21:15,679
Speaker 2: a crazy time. Like that now in Newark.

471
00:21:15,680 --> 00:21:17,720
Speaker 1: So I'm just glad to like get a little get

472
00:21:17,720 --> 00:21:18,439
Speaker 1: a little peace.

473
00:21:18,760 --> 00:21:21,320
Speaker 3: So what's so what next? Like how far along in

474
00:21:21,359 --> 00:21:23,919
Speaker 3: the like how what house? How soon do you know

475
00:21:24,000 --> 00:21:24,360
Speaker 3: for sure?

476
00:21:25,320 --> 00:21:27,440
Speaker 2: Well, right now, we're still in the super early process

477
00:21:27,440 --> 00:21:30,439
Speaker 2: of like, okay, we accept here's the contract, and so

478
00:21:30,840 --> 00:21:34,760
Speaker 2: they're wanting like a really quick turnaround. Thankfully, I anticipated

479
00:21:34,800 --> 00:21:38,199
Speaker 2: that we were going to get the yes, So I

480
00:21:38,240 --> 00:21:42,919
Speaker 2: already called my inspector and I had the inspector's going

481
00:21:42,960 --> 00:21:44,640
Speaker 2: to come tomorrow, you know, So I had already booked

482
00:21:44,680 --> 00:21:46,280
Speaker 2: it maybe like oh, I don't know, a few days ago,

483
00:21:46,640 --> 00:21:48,080
Speaker 2: and so he's going to come tomorrow because I really

484
00:21:48,080 --> 00:21:49,480
Speaker 2: want to know what are we dealing with, because you know,

485
00:21:49,520 --> 00:21:53,480
Speaker 2: although it looks like a solid house and the contractor

486
00:21:53,520 --> 00:21:56,520
Speaker 2: didn't see anything crazy, still you want an inspector to

487
00:21:56,520 --> 00:21:58,879
Speaker 2: come through. Like I love my inspector Nick. He brings

488
00:21:58,880 --> 00:22:02,120
Speaker 2: a drone to see the ceiling. He uses all high

489
00:22:02,119 --> 00:22:05,040
Speaker 2: tech stuff as well as obviously his own personal eyes

490
00:22:05,119 --> 00:22:07,280
Speaker 2: and ears and whatever to check her home. So this

491
00:22:07,280 --> 00:22:08,720
Speaker 2: will be the second house that he's done for us,

492
00:22:08,760 --> 00:22:11,440
Speaker 2: and he produces a very detailed report.

493
00:22:11,680 --> 00:22:13,080
Speaker 1: But what I'm really concerned with is.

494
00:22:13,080 --> 00:22:16,800
Speaker 2: So Superman is gonna go and shadow Nick as they

495
00:22:16,800 --> 00:22:19,119
Speaker 2: go through, because we need to know right away if

496
00:22:19,160 --> 00:22:21,600
Speaker 2: there's anything because really by tomorrow we have to let

497
00:22:22,080 --> 00:22:24,719
Speaker 2: the bank and the auction site know are we going

498
00:22:24,760 --> 00:22:27,360
Speaker 2: to move forward. And so they don't give you see,

499
00:22:27,400 --> 00:22:28,800
Speaker 2: they don't give you much time on purpose because they

500
00:22:28,800 --> 00:22:31,359
Speaker 2: don't want you to find any because the bank doesn't

501
00:22:31,400 --> 00:22:33,040
Speaker 2: even know The bank is like in the Midwest somewhere.

502
00:22:33,080 --> 00:22:35,119
Speaker 2: They don't know anything about this house, you know, so

503
00:22:35,160 --> 00:22:36,640
Speaker 2: they're just like, whatever, sell it.

504
00:22:36,640 --> 00:22:38,640
Speaker 1: It's as is. So it's up to us to.

505
00:22:38,560 --> 00:22:41,680
Speaker 2: Figure out what is it, you know, And so tomorrow

506
00:22:41,680 --> 00:22:44,840
Speaker 2: we'll kind of get like the verbal feedback about anything

507
00:22:45,080 --> 00:22:47,600
Speaker 2: that's you know, up with the house, and you know,

508
00:22:47,760 --> 00:22:50,560
Speaker 2: hopefully you know, there's nothing crazy. There's always something like oh,

509
00:22:50,600 --> 00:22:52,760
Speaker 2: you know, the floorboard's a little loose or bah blah blah,

510
00:22:52,760 --> 00:22:55,640
Speaker 2: you know, but nothing super crazy. And then if there's

511
00:22:55,680 --> 00:22:58,439
Speaker 2: nothing super crazy, when we get the contract tomorrow, we

512
00:22:58,520 --> 00:23:04,359
Speaker 2: sign it, and then the bank itself and or I

513
00:23:04,440 --> 00:23:06,879
Speaker 2: have to get a title agent, and the title agent

514
00:23:06,960 --> 00:23:08,879
Speaker 2: is going to make sure that there are no no

515
00:23:08,920 --> 00:23:11,119
Speaker 2: one else can say, hey, that house is mine or

516
00:23:11,160 --> 00:23:13,280
Speaker 2: that that property owes me money because you want to

517
00:23:13,320 --> 00:23:15,520
Speaker 2: make sure there's no leans on the property, like they

518
00:23:15,520 --> 00:23:18,280
Speaker 2: took out another mortgage from another bank and they needed

519
00:23:18,280 --> 00:23:21,680
Speaker 2: to be satisfied because the bank itself will take care

520
00:23:21,680 --> 00:23:23,680
Speaker 2: of that, because you if you don't do that, you

521
00:23:23,760 --> 00:23:25,600
Speaker 2: might buy the house. And then five years later a

522
00:23:25,640 --> 00:23:28,080
Speaker 2: bank another bank comes to you and says, hey, this

523
00:23:28,200 --> 00:23:29,879
Speaker 2: property owes me twenty thousand dollars.

524
00:23:29,880 --> 00:23:31,680
Speaker 1: It was never paid. It was barred against his house.

525
00:23:32,280 --> 00:23:34,639
Speaker 1: So that's what happens.

526
00:23:34,280 --> 00:23:39,600
Speaker 2: Next, and then you know, funds are exchanged and then.

527
00:23:39,480 --> 00:23:43,640
Speaker 1: You basically close. It's different closing with cash because it's

528
00:23:43,680 --> 00:23:44,160
Speaker 1: a little bit.

529
00:23:44,160 --> 00:23:45,960
Speaker 2: Quicker, you know a lot of the times because you're

530
00:23:46,000 --> 00:23:49,200
Speaker 2: not you're not there's no mortgage company involved, so you're

531
00:23:49,240 --> 00:23:50,600
Speaker 2: just kind of like it's just.

532
00:23:50,720 --> 00:23:53,920
Speaker 3: A lot quick quicker because there's like no underwriting, right,

533
00:23:54,359 --> 00:23:56,800
Speaker 3: Like the process that a lender goes through to like

534
00:23:56,960 --> 00:23:59,080
Speaker 3: check your credit and see if you qualify it once

535
00:23:59,080 --> 00:24:01,240
Speaker 3: you're debt to Incomerry shield all that stuff, it takes

536
00:24:01,280 --> 00:24:02,280
Speaker 3: forever exactly.

537
00:24:02,600 --> 00:24:04,920
Speaker 2: So this the only thing that would take time really

538
00:24:05,040 --> 00:24:08,040
Speaker 2: is that checking of the making sure the title is

539
00:24:08,359 --> 00:24:10,800
Speaker 2: free and clear, So that takes sometimes seven to fourteen

540
00:24:10,880 --> 00:24:14,560
Speaker 2: days to kind of look and just to make sure

541
00:24:14,560 --> 00:24:16,680
Speaker 2: that no one else has claims to this house.

542
00:24:17,440 --> 00:24:18,359
Speaker 1: So it might be sooner.

543
00:24:18,400 --> 00:24:20,879
Speaker 2: They say that maximum is thirty days, that's what it

544
00:24:20,920 --> 00:24:22,840
Speaker 2: says like on the site, but it might be even

545
00:24:22,840 --> 00:24:25,080
Speaker 2: sooner than that if we can find a clear title quickly.

546
00:24:25,200 --> 00:24:27,240
Speaker 1: So you know, now we just kind of wait.

547
00:24:27,280 --> 00:24:29,080
Speaker 2: You know, it's a little nerve wracking because you know,

548
00:24:29,119 --> 00:24:31,280
Speaker 2: we've been close before and then it fell through. But

549
00:24:31,760 --> 00:24:33,639
Speaker 2: thankfully so now that I look back on it, but

550
00:24:34,680 --> 00:24:36,960
Speaker 2: you know, I'm just like, oh, I really want this house.

551
00:24:37,000 --> 00:24:38,800
Speaker 2: I mean, we could grow into it, stay for a while.

552
00:24:38,840 --> 00:24:41,600
Speaker 2: The neighborhood is awesome. Everything I said I wanted. For

553
00:24:41,640 --> 00:24:44,520
Speaker 2: the most part, I've always wanted a beautiful, like colonial

554
00:24:44,560 --> 00:24:48,040
Speaker 2: style of Victorian style front porch, and this has a

555
00:24:48,040 --> 00:24:51,560
Speaker 2: front porch, although it's more contemporary. And then I've always

556
00:24:51,640 --> 00:24:53,520
Speaker 2: wanted to live really close to the park, and this

557
00:24:53,680 --> 00:24:55,800
Speaker 2: is like a five minute walk to one of the

558
00:24:55,840 --> 00:24:59,200
Speaker 2: most beautiful parks in Newark, which is Branchfoot Park, which.

559
00:24:59,240 --> 00:24:59,960
Speaker 1: Is the Cherry Block.

560
00:25:00,920 --> 00:25:03,280
Speaker 2: Like they have the only place in the country that

561
00:25:03,320 --> 00:25:06,760
Speaker 2: has as many cherry blossom trees as Brandford Park is DC.

562
00:25:07,359 --> 00:25:11,119
Speaker 2: So they have huge cherry vegetable every and it's beautiful

563
00:25:11,119 --> 00:25:13,120
Speaker 2: and that's my favorite park. So to live within five

564
00:25:13,119 --> 00:25:17,040
Speaker 2: minute walking distance, it's awesome. It's actually closer to Supergirls school.

565
00:25:18,480 --> 00:25:21,960
Speaker 2: Supergirl's mom will actually be taking our current apartment because

566
00:25:21,960 --> 00:25:24,000
Speaker 2: it's actually cheaper but bigger than her apartment.

567
00:25:24,040 --> 00:25:24,320
Speaker 1: Now.

568
00:25:25,040 --> 00:25:27,879
Speaker 2: It's just really convenient all the way around. And yeah,

569
00:25:27,920 --> 00:25:30,639
Speaker 2: so it's just it's like magic. I'm like, oh my gosh,

570
00:25:30,680 --> 00:25:32,680
Speaker 2: this can't be real. Like to get a house dist

571
00:25:32,720 --> 00:25:36,080
Speaker 2: in expensively and this close to everything that we want

572
00:25:36,200 --> 00:25:40,760
Speaker 2: in a neighborhood that's awesome, and in Newark, so you know,

573
00:25:41,000 --> 00:25:43,679
Speaker 2: I just I'm like, please go get my homes up,

574
00:25:43,800 --> 00:25:45,320
Speaker 2: just to break my heart. But you know, I feel

575
00:25:45,320 --> 00:25:46,960
Speaker 2: like the right thing always happens at the right time.

576
00:25:47,040 --> 00:25:51,960
Speaker 3: So well, I'm not going to say anything anything. I'm

577
00:25:52,000 --> 00:25:56,440
Speaker 3: just gonna hold my breath and tiptoo around. No bad

578
00:25:56,520 --> 00:25:59,320
Speaker 3: ju ju, but crossing my fingers.

579
00:25:59,600 --> 00:26:02,320
Speaker 2: Yes, if anybody, if you are a believer, say your prayer.

580
00:26:02,800 --> 00:26:04,720
Speaker 2: If you're not, send some good vibes.

581
00:26:05,200 --> 00:26:07,119
Speaker 3: I'm not going to tell jose because this would just

582
00:26:07,119 --> 00:26:10,679
Speaker 3: get him salivating. I'm not ready, Like it's one thing

583
00:26:10,720 --> 00:26:13,719
Speaker 3: being financially prepared to buy like we could buy, but

584
00:26:13,840 --> 00:26:16,080
Speaker 3: like I'm not trying. I don't want. I'm not ready.

585
00:26:16,200 --> 00:26:22,159
Speaker 3: It's like marriage, sure baby, Sure property, It's like I

586
00:26:22,200 --> 00:26:26,399
Speaker 3: mean in yes, like and in an intellectual level of course,

587
00:26:26,440 --> 00:26:28,840
Speaker 3: I would love to buy something. It makes sense, you know,

588
00:26:29,000 --> 00:26:31,280
Speaker 3: to invest in, like some property or whatever. But it's

589
00:26:31,320 --> 00:26:34,479
Speaker 3: the it's the ware that I cannot. I can't. I

590
00:26:34,560 --> 00:26:38,119
Speaker 3: just can't do it, Like I can't settle on a place.

591
00:26:38,160 --> 00:26:40,720
Speaker 3: I can't settle on a neighborhood like you always knew Newark,

592
00:26:40,800 --> 00:26:43,879
Speaker 3: you love news in New York. Like for me, it

593
00:26:43,920 --> 00:26:47,720
Speaker 3: could be Atlanta, it could be Jersey City, it could

594
00:26:47,760 --> 00:26:51,760
Speaker 3: be a Storia, it could be you know, up like

595
00:26:52,600 --> 00:26:55,040
Speaker 3: you know, like the Westchester area of New York. I

596
00:26:55,040 --> 00:26:56,640
Speaker 3: don't know. But for me, like what's holding me back

597
00:26:56,680 --> 00:26:58,560
Speaker 3: right now is that I love my commute so much

598
00:26:59,359 --> 00:27:01,679
Speaker 3: and I'm not ready to give it up. And I'm

599
00:27:01,720 --> 00:27:04,560
Speaker 3: also not ready to spend, you know, get an eight

600
00:27:04,640 --> 00:27:07,359
Speaker 3: hundred thousand dollars mortgage just to buy something close to

601
00:27:07,400 --> 00:27:09,080
Speaker 3: the city. It just, do you know what I mean

602
00:27:09,160 --> 00:27:11,800
Speaker 3: some kind of like, yeah, I'm letting myself be stuck

603
00:27:11,840 --> 00:27:13,760
Speaker 3: renting because right now it just makes me happier.

604
00:27:15,240 --> 00:27:18,200
Speaker 1: Because and honestly, to me, renting can make sense people.

605
00:27:18,680 --> 00:27:21,240
Speaker 2: I think the recession has taught us something, which is

606
00:27:21,800 --> 00:27:24,720
Speaker 2: it's not always best to buy. Like that was back

607
00:27:24,720 --> 00:27:26,800
Speaker 2: in the day where it was like what no brainer

608
00:27:26,880 --> 00:27:27,800
Speaker 2: writing versus buy?

609
00:27:27,960 --> 00:27:30,440
Speaker 1: Are you crazy? You better buy? But to me, it's

610
00:27:30,440 --> 00:27:31,680
Speaker 1: not so clear cut anymore.

611
00:27:32,359 --> 00:27:35,200
Speaker 2: You know that buying is always what's best, Like if

612
00:27:35,240 --> 00:27:38,359
Speaker 2: you know that you're not necessarily sold on a particular

613
00:27:38,440 --> 00:27:41,159
Speaker 2: area and you want a little bit more flexibility, I

614
00:27:41,160 --> 00:27:41,800
Speaker 2: don't suggest.

615
00:27:41,800 --> 00:27:44,520
Speaker 1: I told my sister, I didn't suggest that she buy,

616
00:27:44,640 --> 00:27:46,560
Speaker 1: and she's so glad that she didn't. It was years ago.

617
00:27:46,920 --> 00:27:47,960
Speaker 1: She hated her job.

618
00:27:48,320 --> 00:27:50,760
Speaker 2: It paid her really well, and I said, so you're

619
00:27:50,800 --> 00:27:54,000
Speaker 2: going to buy a house or a condo, and you're

620
00:27:54,000 --> 00:27:55,959
Speaker 2: gonna be stuck in this job that you hate because

621
00:27:56,200 --> 00:27:58,320
Speaker 2: you're going to be forced to stay here because it

622
00:27:58,359 --> 00:28:00,640
Speaker 2: pays so well, and lets you get find another job

623
00:28:00,680 --> 00:28:02,480
Speaker 2: that pays just as well. And sure enough, a few

624
00:28:02,520 --> 00:28:04,679
Speaker 2: years later she ended up quitting, and she was so

625
00:28:04,720 --> 00:28:07,679
Speaker 2: happy that she wasn't stuck paying a mortgage because she

626
00:28:07,720 --> 00:28:11,080
Speaker 2: was able to downsize, you know, her apartment versus figuring

627
00:28:11,119 --> 00:28:12,120
Speaker 2: out how to get rid of her house.

628
00:28:12,160 --> 00:28:15,800
Speaker 1: She can't afford anymore. And so yeah, no, I don't think.

629
00:28:15,840 --> 00:28:17,800
Speaker 2: Yeah, I don't think that buying is the end all

630
00:28:17,840 --> 00:28:20,480
Speaker 2: be all, especially if you're not going to buy right

631
00:28:20,800 --> 00:28:23,240
Speaker 2: and you know, and it can be very because it's

632
00:28:23,280 --> 00:28:25,560
Speaker 2: literally been a year almost to the day when we

633
00:28:25,600 --> 00:28:28,720
Speaker 2: started this process and a year of I now say

634
00:28:28,720 --> 00:28:31,200
Speaker 2: of the year of the twelve months, I would say

635
00:28:32,280 --> 00:28:36,600
Speaker 2: nine months of actively hardcore going at it like looking.

636
00:28:37,359 --> 00:28:40,400
Speaker 2: So it's it has very Honestly, there was a time

637
00:28:40,480 --> 00:28:42,680
Speaker 2: it was like my third job, my third company. I

638
00:28:43,000 --> 00:28:45,160
Speaker 2: had the budgetista, I had the literature Academy, and I

639
00:28:45,200 --> 00:28:48,800
Speaker 2: have the house time because it was so time consuming

640
00:28:49,200 --> 00:28:51,720
Speaker 2: because you're looking at Rachel, you know, And so it's

641
00:28:51,960 --> 00:28:54,640
Speaker 2: if you're not ready, then I mean, more power to you.

642
00:28:54,680 --> 00:28:57,280
Speaker 2: I mean we were just I'm just now saying like yes,

643
00:28:57,400 --> 00:28:58,480
Speaker 2: because I mean, if you would have told me a

644
00:28:58,480 --> 00:29:00,640
Speaker 2: few years ago, I wasn't really planning on sting down

645
00:29:00,960 --> 00:29:03,040
Speaker 2: in Newark. But now that I'm married to my husband,

646
00:29:03,120 --> 00:29:06,400
Speaker 2: this is like his home and his daughter's here, and

647
00:29:06,800 --> 00:29:08,760
Speaker 2: you know, it's close to my family, so.

648
00:29:08,640 --> 00:29:11,720
Speaker 1: It just it's just the right move for us.

649
00:29:11,760 --> 00:29:14,360
Speaker 3: But it's like all the pieces came together. I'm away

650
00:29:14,400 --> 00:29:18,360
Speaker 3: for that to happen for me too. Yeah, maybe buy

651
00:29:18,440 --> 00:29:21,000
Speaker 3: in the Dominican Republic. That'd be nice.

652
00:29:21,680 --> 00:29:23,560
Speaker 1: If you buy there, I will come visit.

653
00:29:24,680 --> 00:29:26,600
Speaker 3: Oh, I got it. I just I just started thinking

654
00:29:26,600 --> 00:29:29,480
Speaker 3: about how many people asked me if my husband's family

655
00:29:29,520 --> 00:29:32,800
Speaker 3: was okay because of Hurricane Irma, and I felt terrible

656
00:29:32,800 --> 00:29:34,360
Speaker 3: because I did not know the answer to that question.

657
00:29:34,680 --> 00:29:38,680
Speaker 3: They're all fine, But yeah, speaking of Irma, that I mean,

658
00:29:39,200 --> 00:29:40,840
Speaker 3: I don't know. I have a lot of family like

659
00:29:40,880 --> 00:29:43,040
Speaker 3: in Georgia and friends in Florida, but it sounds like

660
00:29:43,680 --> 00:29:45,640
Speaker 3: it sounds like everyone listened to all the warnings and

661
00:29:45,680 --> 00:29:50,760
Speaker 3: everyone got out. Yeah, which is great, but like the

662
00:29:50,840 --> 00:29:52,840
Speaker 3: property damage, we're getting a lot. I got a lot

663
00:29:52,840 --> 00:29:54,840
Speaker 3: of well, we got a lot of email and magnified money.

664
00:29:54,920 --> 00:29:57,560
Speaker 3: But what do we do now. It's like going back

665
00:29:57,560 --> 00:30:00,320
Speaker 3: to your home and it's one thing to survive, but

666
00:30:00,360 --> 00:30:01,640
Speaker 3: now you've got to figure out what to do when

667
00:30:01,640 --> 00:30:03,600
Speaker 3: your car is flooded and what to do like how

668
00:30:03,600 --> 00:30:05,920
Speaker 3: do you file an insurance claim and all that mess.

669
00:30:06,760 --> 00:30:08,640
Speaker 3: So I just feel for people who are going through

670
00:30:09,120 --> 00:30:11,400
Speaker 3: that process.

671
00:30:10,760 --> 00:30:13,800
Speaker 2: Yeah, because that's the part that's that's hard. But you're right,

672
00:30:13,920 --> 00:30:16,920
Speaker 2: it did seem like collectively, of course. You know, I'm

673
00:30:16,960 --> 00:30:20,040
Speaker 2: sure there are a number of people who were hurt

674
00:30:20,120 --> 00:30:22,640
Speaker 2: during Erma, but it seemed like collectively it didn't have

675
00:30:22,680 --> 00:30:26,600
Speaker 2: the same energy that you heard about Texas and Hurricane Harvey.

676
00:30:27,520 --> 00:30:30,480
Speaker 2: You know where I just heard you just saw the

677
00:30:30,920 --> 00:30:34,600
Speaker 2: people like not knowing where to go, floating, ask them

678
00:30:34,640 --> 00:30:35,680
Speaker 2: to be picked up by boat.

679
00:30:35,760 --> 00:30:37,440
Speaker 1: Like it didn't seem as chaotic.

680
00:30:38,240 --> 00:30:40,600
Speaker 3: Yeah, there wasn't like the mass. There wasn't like the

681
00:30:40,640 --> 00:30:43,040
Speaker 3: blanket you must get out of the get out of

682
00:30:43,080 --> 00:30:47,200
Speaker 3: here evacuational which was Harvey. Yeah, for Harvey, which you know,

683
00:30:47,360 --> 00:30:49,440
Speaker 3: for better or for worse, people are saying was the

684
00:30:49,520 --> 00:30:51,360
Speaker 3: right call because it would have like people would have

685
00:30:51,360 --> 00:30:53,760
Speaker 3: been stranded in their cars with traffic situation if they

686
00:30:53,800 --> 00:30:58,480
Speaker 3: had evacuated. But yeah, it's uh. I mean, I feel

687
00:30:58,520 --> 00:31:00,480
Speaker 3: and blessed my dad. I feel like blessed that no

688
00:31:00,520 --> 00:31:02,120
Speaker 3: one in my family was impacted, but I'm very I

689
00:31:02,120 --> 00:31:05,520
Speaker 3: feel for anyone whose families weren't impacted. But I have

690
00:31:05,640 --> 00:31:09,640
Speaker 3: to say my dad was thrilled because for twelve hours,

691
00:31:10,320 --> 00:31:13,160
Speaker 3: power in Tucker, Georgia went out and he got to

692
00:31:13,240 --> 00:31:16,120
Speaker 3: dig his generator out of his storage union and finally

693
00:31:16,240 --> 00:31:16,640
Speaker 3: use it.

694
00:31:17,040 --> 00:31:17,800
Speaker 2: He texted me.

695
00:31:17,880 --> 00:31:21,480
Speaker 3: He's like, I got this generator on. I'm like, okay,

696
00:31:21,800 --> 00:31:23,320
Speaker 3: so you're gonna charge yourself now.

697
00:31:25,080 --> 00:31:27,560
Speaker 1: He's like, I'm roughing it. If they would have only listened,

698
00:31:27,680 --> 00:31:28,880
Speaker 1: I know, there are.

699
00:31:28,760 --> 00:31:30,160
Speaker 2: Definitely a lot of people that I know that had

700
00:31:30,200 --> 00:31:49,680
Speaker 2: generated the room like it's showtime, Yes, boot Dead Bay time.

701
00:31:49,360 --> 00:31:51,280
Speaker 1: I'm gonna boost Okay.

702
00:31:51,360 --> 00:31:54,120
Speaker 2: So a friend of mine, cabral who doesn't listens to

703
00:31:54,200 --> 00:31:56,960
Speaker 2: the show but whatever, he was like.

704
00:31:57,000 --> 00:31:58,080
Speaker 1: I was like, what are you doing. I'm bored. I

705
00:31:58,080 --> 00:31:59,880
Speaker 1: need to get out of the house. It was the weekends,

706
00:32:00,040 --> 00:32:01,960
Speaker 1: Ill come get you. There's a new home Goods.

707
00:32:02,240 --> 00:32:04,920
Speaker 2: No Home Goods has a new superstore that opened up

708
00:32:05,280 --> 00:32:07,800
Speaker 2: in like Hanover or something like that. And I was like, ooh,

709
00:32:07,800 --> 00:32:09,840
Speaker 2: I'm always down because you know, who doesn't love walking

710
00:32:09,840 --> 00:32:13,120
Speaker 2: around like a store with all these beautiful, like you know,

711
00:32:13,280 --> 00:32:14,040
Speaker 2: decorations for.

712
00:32:14,000 --> 00:32:15,880
Speaker 1: Your home and stuff. So we went.

713
00:32:16,640 --> 00:32:20,080
Speaker 2: I know it was because we went and Cabrella's like

714
00:32:20,120 --> 00:32:26,080
Speaker 2: picking out like like a beautiful comforter and sheets and stuff.

715
00:32:26,120 --> 00:32:27,680
Speaker 1: I'm like, oh, who's that for.

716
00:32:27,800 --> 00:32:29,760
Speaker 2: He's like yeah, I'm like wait what he was like

717
00:32:29,840 --> 00:32:32,239
Speaker 2: last time I smoked you, you said that you were like

718
00:32:32,280 --> 00:32:34,680
Speaker 2: fussing because you're like, oh, man, I did something. I

719
00:32:34,720 --> 00:32:37,920
Speaker 2: was Supergirl was cutting something on the bed and there

720
00:32:37,960 --> 00:32:40,880
Speaker 2: was a tear in the in the in the comforter

721
00:32:41,000 --> 00:32:43,040
Speaker 2: and it just and I tripped on it and ripped

722
00:32:43,080 --> 00:32:44,680
Speaker 2: it further, and he was like, a.

723
00:32:44,960 --> 00:32:47,040
Speaker 1: Tiffony, you are nasty, but I nobody's ripped comforted.

724
00:32:47,080 --> 00:32:49,080
Speaker 2: I was like, ah, man, come und because he's my thing.

725
00:32:49,080 --> 00:32:52,480
Speaker 2: I called them my fancy friend. And so he ended

726
00:32:52,560 --> 00:32:55,640
Speaker 2: up forcing me to get a new comforter. And of

727
00:32:55,640 --> 00:32:57,360
Speaker 2: course when you get a new comforter, you have to

728
00:32:57,360 --> 00:32:59,640
Speaker 2: get new sheets and a pillows and.

729
00:32:59,560 --> 00:33:01,000
Speaker 1: All that kind of and I was like, are you

730
00:33:01,080 --> 00:33:01,480
Speaker 1: kidding me?

731
00:33:02,000 --> 00:33:05,440
Speaker 2: But it was so nice because I made the whole

732
00:33:05,480 --> 00:33:08,680
Speaker 2: bed up, and I thought Superman was gonna shed a

733
00:33:08,720 --> 00:33:11,960
Speaker 2: tear because I swear that I'm the man when it

734
00:33:12,000 --> 00:33:14,160
Speaker 2: comes to decoration, because he actually like he's really like,

735
00:33:14,720 --> 00:33:17,120
Speaker 2: he's like more aesthetically, I really don't care. Honestly, He's

736
00:33:17,160 --> 00:33:18,760
Speaker 2: like always the one to be like, oh, you know,

737
00:33:18,800 --> 00:33:20,480
Speaker 2: we should get another curtain here, we look nicer. We

738
00:33:20,480 --> 00:33:22,920
Speaker 2: should not that his style is great because Superman is like,

739
00:33:23,720 --> 00:33:24,600
Speaker 2: I'm like, you're.

740
00:33:24,440 --> 00:33:26,960
Speaker 1: Both color blind and color.

741
00:33:27,760 --> 00:33:30,560
Speaker 2: Bold because I'm like, why is the kitchen orange, in

742
00:33:30,560 --> 00:33:33,800
Speaker 2: the dining room yellow, and the and the laundry room green.

743
00:33:33,880 --> 00:33:36,480
Speaker 1: I mean, yo, it's too much.

744
00:33:36,600 --> 00:33:39,040
Speaker 2: And so but he likes stuff like that and so

745
00:33:39,200 --> 00:33:41,520
Speaker 2: whereas I'm like, what, we have a comforter.

746
00:33:42,040 --> 00:33:44,080
Speaker 1: I guess. So I made the bed and the new stuff.

747
00:33:44,120 --> 00:33:46,160
Speaker 2: What he walked in, I thought he was gonna shed

748
00:33:46,160 --> 00:33:48,760
Speaker 2: a tear and I was like, oh, thanks Cabro. Honestly,

749
00:33:48,760 --> 00:33:50,320
Speaker 2: it look and I'm not gonna lie. It feels so

750
00:33:50,440 --> 00:33:53,360
Speaker 2: nice to sleep in like one of these HGTV beds.

751
00:33:53,640 --> 00:33:55,120
Speaker 2: That's what I call it, because it's like, so we

752
00:33:55,160 --> 00:33:57,440
Speaker 2: have a king size and so like I have to say,

753
00:33:57,520 --> 00:34:00,360
Speaker 2: do a boost to new new bed linen and stuff,

754
00:34:00,400 --> 00:34:01,760
Speaker 2: and even made me get a linen spray.

755
00:34:01,800 --> 00:34:02,960
Speaker 1: I'm like, now you taking it too far?

756
00:34:04,200 --> 00:34:05,320
Speaker 3: Okay, Well, yeah.

757
00:34:05,680 --> 00:34:10,040
Speaker 1: I know they have it. I know it is yeah,

758
00:34:10,400 --> 00:34:12,040
Speaker 1: And I was like, I was like.

759
00:34:12,040 --> 00:34:14,880
Speaker 3: Why just through the math of how many hours you

760
00:34:14,880 --> 00:34:16,600
Speaker 3: spend in your bed and you can easily addressed by

761
00:34:16,640 --> 00:34:17,240
Speaker 3: any purchase.

762
00:34:18,120 --> 00:34:18,359
Speaker 1: Yeah.

763
00:34:18,400 --> 00:34:20,120
Speaker 2: But it was nice though, because we haven't had like

764
00:34:20,200 --> 00:34:23,799
Speaker 2: new sheets and like even my replacement comfort because we

765
00:34:23,840 --> 00:34:24,799
Speaker 2: have other comforters.

766
00:34:24,960 --> 00:34:26,480
Speaker 1: But you know how comforts.

767
00:34:26,160 --> 00:34:28,200
Speaker 2: Start to look all dingy and like you're like, cause

768
00:34:28,200 --> 00:34:30,680
Speaker 2: you know, you wash them and so it's just nice

769
00:34:30,719 --> 00:34:32,640
Speaker 2: to have. I was like, oh, you know what, it

770
00:34:32,800 --> 00:34:35,880
Speaker 2: is nice to have new bed linen. So that's my boost,

771
00:34:36,120 --> 00:34:38,880
Speaker 2: new bed linen, making you feel like new bed.

772
00:34:38,800 --> 00:34:39,319
Speaker 1: Who is.

773
00:34:43,200 --> 00:34:45,600
Speaker 3: I'm gonna do a break because we didn't talk about

774
00:34:45,600 --> 00:34:47,560
Speaker 3: it in the beginning of the show, but we need

775
00:34:47,600 --> 00:34:52,600
Speaker 3: to take a break from this apparent memoir by sore

776
00:34:52,680 --> 00:34:58,320
Speaker 3: loser Maria Sharapova child So I get all my news

777
00:34:58,360 --> 00:35:02,040
Speaker 3: from very smart brothers and awesome, we love you these days. Yeah,

778
00:35:02,080 --> 00:35:06,480
Speaker 3: because that's just how I roll. So I went backwards.

779
00:35:06,480 --> 00:35:10,120
Speaker 3: I read there, I read their takes on this like passage,

780
00:35:10,520 --> 00:35:13,160
Speaker 3: and apparently Maria Scheripopa, for those of you who don't know,

781
00:35:13,280 --> 00:35:17,000
Speaker 3: is another tennis pro who's like ben Serena's frenemy since forever,

782
00:35:17,800 --> 00:35:20,240
Speaker 3: like hasn't been able to beat her in a tournament

783
00:35:20,280 --> 00:35:23,200
Speaker 3: since two thousand and four, and they've like you know,

784
00:35:23,400 --> 00:35:26,320
Speaker 3: done their like throwing shade at each other and press

785
00:35:26,360 --> 00:35:29,600
Speaker 3: interviews over the years and whatnot. But so Sharapova has

786
00:35:29,640 --> 00:35:32,560
Speaker 3: this book that's coming out very soon because now obviously

787
00:35:32,600 --> 00:35:37,920
Speaker 3: there's like critiques of it online called Unstoppable, which is

788
00:35:37,920 --> 00:35:40,640
Speaker 3: supposed to be like insight into her career as a

789
00:35:40,640 --> 00:35:44,640
Speaker 3: professional tennis pro whatnot. But of course she decides to

790
00:35:45,040 --> 00:35:48,280
Speaker 3: say something truly offensive, like the way, just like people

791
00:35:48,280 --> 00:35:51,680
Speaker 3: are taking offense to the way she talked about Serena

792
00:35:51,719 --> 00:35:54,800
Speaker 3: in this book, which I don't know who her damn

793
00:35:54,920 --> 00:35:57,920
Speaker 3: editors or publishers are, but like, how did this stuff?

794
00:35:58,320 --> 00:36:00,520
Speaker 3: How do people how to have brilliant mind sit around

795
00:36:00,560 --> 00:36:03,959
Speaker 3: a table, get paid millions of dollars and not say, hmm,

796
00:36:04,320 --> 00:36:07,840
Speaker 3: maybe we shouldn't call the African American woman intimidating with

797
00:36:07,880 --> 00:36:11,320
Speaker 3: thick arms and thick legs. Maybe not. No one was

798
00:36:11,400 --> 00:36:15,279
Speaker 3: like raised a hand. No, yeah, So here's what this is,

799
00:36:15,320 --> 00:36:18,080
Speaker 3: the exact passage that everyone is like losing their shit over.

800
00:36:19,239 --> 00:36:23,120
Speaker 3: So Sharapova beat Williams beat Serena twice in two thousand

801
00:36:23,160 --> 00:36:27,040
Speaker 3: and four and has been unable to repeat this feat

802
00:36:27,840 --> 00:36:32,000
Speaker 3: ever since because Serena has been dominating forever. So in

803
00:36:32,040 --> 00:36:34,880
Speaker 3: her book, she says she's explaining like her first interaction

804
00:36:34,960 --> 00:36:37,640
Speaker 3: with Serena when she was young, and she said, quote,

805
00:36:37,960 --> 00:36:41,239
Speaker 3: first of all, her physical presence is much stronger and

806
00:36:41,280 --> 00:36:44,840
Speaker 3: bigger than you realize watching TV. She has thick arms

807
00:36:44,880 --> 00:36:48,160
Speaker 3: and thick legs and is so intimidating and strong. It's

808
00:36:48,160 --> 00:36:52,480
Speaker 3: the whole thing, her presence, her confidence, her personality. Even

809
00:36:52,520 --> 00:36:55,080
Speaker 3: now she can make me feel like a little girl.

810
00:36:56,239 --> 00:36:58,200
Speaker 1: Are you kidding me? Now?

811
00:36:58,200 --> 00:37:02,040
Speaker 3: Are you to the unwo ear? This is being not

812
00:37:02,320 --> 00:37:07,080
Speaker 3: that offensive, but the way of describing a black woman,

813
00:37:07,840 --> 00:37:09,960
Speaker 3: a woman who first of all, has already been like

814
00:37:10,000 --> 00:37:12,920
Speaker 3: in so many ways criticized for her body type and

815
00:37:12,960 --> 00:37:15,719
Speaker 3: her skin color in a sport where she dominates, and

816
00:37:15,760 --> 00:37:18,239
Speaker 3: people have tried to downplay her success by saying, well,

817
00:37:18,280 --> 00:37:21,400
Speaker 3: she's shaped this way and she has this advantage, and

818
00:37:21,440 --> 00:37:24,759
Speaker 3: you know she's so big and strong. She is like

819
00:37:24,920 --> 00:37:28,359
Speaker 3: five nine. Someone points it out, Sharapova is like six'

820
00:37:28,480 --> 00:37:31,040
Speaker 3: two or something like, That like she's a full half

821
00:37:31,120 --> 00:37:34,759
Speaker 3: head taller Than. Serena so but she's of course tall

822
00:37:34,840 --> 00:37:38,440
Speaker 3: and thin and white and, blonde And serena is muscular

823
00:37:38,680 --> 00:37:41,400
Speaker 3: and dark skinned and a black. Woman and it's just

824
00:37:41,440 --> 00:37:44,920
Speaker 3: like there's all this loaded history with calling women of

825
00:37:45,000 --> 00:37:48,719
Speaker 3: color like like like these these terms like against their

826
00:37:48,760 --> 00:37:51,719
Speaker 3: skin and their body, type and it just feels like

827
00:37:52,320 --> 00:37:55,760
Speaker 3: this was like one of those Double this was, like, yes.

828
00:37:55,400 --> 00:38:01,160
Speaker 2: For, sure, OBVIOUSLY i love did you so my? Favorite

829
00:38:01,200 --> 00:38:03,280
Speaker 2: so you KNOW i was awesomely? Lovely They she Wrote

830
00:38:03,520 --> 00:38:06,080
Speaker 2: maria a letter and the first line is. Everything she's,

831
00:38:06,120 --> 00:38:09,120
Speaker 2: Like Dear, MARIA i just wanted to congratulate you for

832
00:38:09,200 --> 00:38:11,960
Speaker 2: winning this Month's Oh You Tried it. Award since you

833
00:38:12,000 --> 00:38:13,759
Speaker 2: haven't won something in a, WHILE i think it might

834
00:38:13,800 --> 00:38:15,880
Speaker 2: bring you. JOY i was, like, oh if that's.

835
00:38:15,680 --> 00:38:23,800
Speaker 3: Not a, read.

836
00:38:22,280 --> 00:38:25,360
Speaker 2: Because it's so and she, said, Oh serena called me

837
00:38:25,440 --> 00:38:28,800
Speaker 2: a little, bit And i'm, like, girl, what so is

838
00:38:28,840 --> 00:38:31,400
Speaker 2: your whole life surrounded? About like why don't you win a?

839
00:38:31,480 --> 00:38:34,480
Speaker 2: MATCH i just don't, understand like this woman wont to?

840
00:38:34,560 --> 00:38:43,400
Speaker 2: Match four months, pregnant four months, Pregnant.

841
00:38:40,719 --> 00:38:43,040
Speaker 1: Yes, yes you're. Right i'm gonna say.

842
00:38:43,640 --> 00:38:48,080
Speaker 3: Us open or some Impressive i'm just here for The

843
00:38:48,080 --> 00:38:50,399
Speaker 3: Shade oh five.

844
00:38:50,520 --> 00:38:53,399
Speaker 2: Tournament four months pregnant and you're worried About. Serena why

845
00:38:53,400 --> 00:38:55,760
Speaker 2: don't if you could focus on your own life face,

846
00:38:55,880 --> 00:39:01,359
Speaker 2: front you, Know i'm, like, Wow i'm just WHATEVER i was, watching.

847
00:39:01,080 --> 00:39:03,560
Speaker 3: It's just so clearly a play like this is what

848
00:39:03,600 --> 00:39:06,600
Speaker 3: people do when they write. Books they write the passage

849
00:39:06,640 --> 00:39:09,720
Speaker 3: that's gonna get every, like gonna make, everyone make everyone's

850
00:39:09,719 --> 00:39:13,440
Speaker 3: tails wag or tongues? Wag what's the expression? Whatever make

851
00:39:13,480 --> 00:39:15,480
Speaker 3: everyone get up in arms and like write about. It

852
00:39:15,560 --> 00:39:18,480
Speaker 3: and now she's getting something's, Wagging like so there's all

853
00:39:18,480 --> 00:39:20,479
Speaker 3: these headlines about her book now and then of course

854
00:39:20,520 --> 00:39:22,680
Speaker 3: people who didn't know That Maria sharapova has a, book

855
00:39:22,719 --> 00:39:23,719
Speaker 3: now we all know she has a.

856
00:39:23,760 --> 00:39:27,239
Speaker 2: Book people who didn't even know Who Maria sharapova. Is it's, like,

857
00:39:27,360 --> 00:39:31,560
Speaker 2: who oh said something BOUT i. Guarantee there's a bunch

858
00:39:31,560 --> 00:39:33,959
Speaker 2: of people who were, like, OH i don't know.

859
00:39:33,880 --> 00:39:35,839
Speaker 3: Her should just we should just call her Dark.

860
00:39:35,920 --> 00:39:40,440
Speaker 2: Becky, yeah he she who shall not be.

861
00:39:40,520 --> 00:39:42,200
Speaker 1: Named, yeah she's try not.

862
00:39:42,280 --> 00:39:45,239
Speaker 3: The year to try something like, This like it's never

863
00:39:45,320 --> 00:39:47,439
Speaker 3: been LIKE i THINK i said this, Before like there's

864
00:39:47,480 --> 00:39:50,359
Speaker 3: so much emphasis on black girl magic and raising women

865
00:39:50,480 --> 00:39:52,960
Speaker 3: up and she was literally A serena which is on

866
00:39:53,000 --> 00:39:55,560
Speaker 3: the cover Of vogue like, pregnant, right wasn't she on

867
00:39:55,600 --> 00:39:58,319
Speaker 3: the cover like featured in the? Magazine she's marrying the

868
00:39:58,360 --> 00:40:01,040
Speaker 3: co founder of read It like this is not the

869
00:40:01,400 --> 00:40:03,759
Speaker 3: everyone is Team. Serena this is not who you want to,

870
00:40:03,800 --> 00:40:11,680
Speaker 3: be you, know trading in insults with like it's just

871
00:40:11,680 --> 00:40:14,000
Speaker 3: not it's not why it's on her. Part someone didn't

872
00:40:14,000 --> 00:40:15,560
Speaker 3: counsel her. Properly she needs a.

873
00:40:15,600 --> 00:40:19,440
Speaker 2: Friend, yeah And i've been Realizing i'm seeing like Another

874
00:40:19,440 --> 00:40:21,799
Speaker 2: patrick where she, SAYS i Think serena hated me for

875
00:40:21,840 --> 00:40:23,080
Speaker 2: being the skinny kid who.

876
00:40:22,960 --> 00:40:25,120
Speaker 1: Beat her against all. Odds you see that the skinny.

877
00:40:25,160 --> 00:40:27,839
Speaker 3: Kid, yes the skinny kiddy beat.

878
00:40:27,880 --> 00:40:28,080
Speaker 1: Her.

879
00:40:28,719 --> 00:40:31,440
Speaker 2: YES i think she hated me for taking something she

880
00:40:31,480 --> 00:40:33,400
Speaker 2: believed belonged to. HER i think she hated me for

881
00:40:33,440 --> 00:40:35,960
Speaker 2: seeing her at her lowest. Moment but MOSTLY i think

882
00:40:36,000 --> 00:40:38,280
Speaker 2: she hated me for hearing her. Crime she's never forgiven

883
00:40:38,320 --> 00:40:38,520
Speaker 2: me for.

884
00:40:38,600 --> 00:40:38,719
Speaker 1: It.

885
00:40:39,120 --> 00:40:45,640
Speaker 2: Ma'am Serena williams is not thinking about you Like jersey

886
00:40:45,640 --> 00:40:48,880
Speaker 2: clap in between every, word Like i'm sure at the, Time,

887
00:40:49,000 --> 00:40:54,239
Speaker 2: Yes serena is a consonate professional and athlete and. Competitive

888
00:40:54,640 --> 00:40:58,960
Speaker 2: when she lost how many moons, ago sure enough she felt.

889
00:40:58,960 --> 00:41:01,640
Speaker 2: Bad but then when she beat you subsequently the that

890
00:41:01,880 --> 00:41:04,040
Speaker 2: next ten years, straight she ain't.

891
00:41:03,840 --> 00:41:06,799
Speaker 1: Mad about your. Girl she's not thinking about. You i'm

892
00:41:06,840 --> 00:41:08,560
Speaker 1: just like what you.

893
00:41:09,840 --> 00:41:12,239
Speaker 3: Wasn't she literally in the in the video For I'm

894
00:41:12,280 --> 00:41:12,719
Speaker 3: Sorry Not?

895
00:41:12,800 --> 00:41:16,560
Speaker 2: Sorry, Yeah she's, LIKE i don't you don't cross her,

896
00:41:16,560 --> 00:41:19,359
Speaker 2: mind like why Would? Serena they think about someone you're

897
00:41:19,440 --> 00:41:21,960
Speaker 2: not even competition, anymore you know WHAT i, Mean like

898
00:41:22,000 --> 00:41:23,960
Speaker 2: it's not not even to be, Shady like that's Like

899
00:41:24,000 --> 00:41:27,279
Speaker 2: serena thinking about you, know someone you know that that

900
00:41:27,520 --> 00:41:29,239
Speaker 2: maybe she would have played with when she was in eighth,

901
00:41:29,239 --> 00:41:32,080
Speaker 2: grade but they don't play. Anymore so it's, like you're

902
00:41:32,120 --> 00:41:34,480
Speaker 2: not part of My clearly you're thinking About. Serena but

903
00:41:34,840 --> 00:41:36,600
Speaker 2: why would she be thinking about? You because she has

904
00:41:36,600 --> 00:41:38,520
Speaker 2: to move forward and think about people that might actually

905
00:41:38,560 --> 00:41:41,839
Speaker 2: have a chance of beating. Her, girl get your life.

906
00:41:41,880 --> 00:41:45,040
Speaker 2: Together it's just, pathetic more pathetic THAN i actually originally.

907
00:41:45,280 --> 00:41:46,240
Speaker 1: Thought BUT i ain't nobody.

908
00:41:46,239 --> 00:41:47,880
Speaker 2: Buying i'm not buying your, book SO i could just

909
00:41:47,920 --> 00:41:50,799
Speaker 2: read the passages and read and judge you from them the.

910
00:41:50,800 --> 00:41:53,400
Speaker 3: Passages, well here's a little extra. Tidbit the whole reason

911
00:41:53,480 --> 00:41:55,520
Speaker 3: she's writing this. Book you, know you know a celebrities

912
00:41:55,560 --> 00:41:57,919
Speaker 3: write books when they need to come. Backstory, right she's

913
00:41:57,960 --> 00:42:00,960
Speaker 3: coming back from like a scandal where she was accused

914
00:42:00,960 --> 00:42:06,000
Speaker 3: of using like different, chemicals like a doping, scandal LIKE

915
00:42:06,000 --> 00:42:08,479
Speaker 3: i think she was eventually, Cleared like she was using

916
00:42:08,520 --> 00:42:11,120
Speaker 3: some sort OF i don't, know some sort of medicine

917
00:42:12,000 --> 00:42:15,799
Speaker 3: to improve her performance and her stamina on the, court

918
00:42:15,960 --> 00:42:18,399
Speaker 3: and that is why she is on this comeback tour

919
00:42:18,520 --> 00:42:20,960
Speaker 3: with this. Book so let's just all not only does

920
00:42:21,000 --> 00:42:22,719
Speaker 3: she get beat By Serena, williams so she did it

921
00:42:22,760 --> 00:42:24,719
Speaker 3: when she was trying to.

922
00:42:25,520 --> 00:42:26,400
Speaker 1: Cheat allegedly to.

923
00:42:26,480 --> 00:42:29,640
Speaker 2: Cheat so you allegedly, cheat it still lost and it

924
00:42:29,719 --> 00:42:33,239
Speaker 2: got some. Ish you got to beat the. Dumbist that's

925
00:42:33,239 --> 00:42:35,319
Speaker 2: why you stole the wrong test and you answer A

926
00:42:35,560 --> 00:42:38,440
Speaker 2: B C and meanwhile it's like a yes or no?

927
00:42:38,560 --> 00:42:40,600
Speaker 2: Questions have you got the wrong? Test you cheat any

928
00:42:41,080 --> 00:42:44,759
Speaker 2: allegedly cheating and still. Failing look at your, Life look

929
00:42:45,200 --> 00:42:48,720
Speaker 2: at your. Life so, yeah that's a great brown brown

930
00:42:48,760 --> 00:42:51,319
Speaker 2: break like, Child i'm gonna put you in the same

931
00:42:51,360 --> 00:42:54,359
Speaker 2: box As i'm trying to think of people who were

932
00:42:54,400 --> 00:42:56,600
Speaker 2: like WHO i don't know, Her, well we'll think about.

933
00:42:56,600 --> 00:42:57,960
Speaker 1: It but, yeah it's just.

934
00:42:59,520 --> 00:43:04,440
Speaker 3: People try and bring you down based on irrelevant standards

935
00:43:04,560 --> 00:43:07,000
Speaker 3: just because you like are better at them than something

936
00:43:07,239 --> 00:43:09,440
Speaker 3: like people who look for, Excuses, well she only beat

937
00:43:09,520 --> 00:43:13,080
Speaker 3: me BECAUSE X Y z irrelevant facts that have nothing

938
00:43:13,120 --> 00:43:15,600
Speaker 3: to do with you know that are just trying to

939
00:43:15,640 --> 00:43:18,759
Speaker 3: like beat around the bush of my own insecurities or

940
00:43:18,800 --> 00:43:21,719
Speaker 3: like my own ineptitude and like a certain, talent like

941
00:43:21,760 --> 00:43:24,160
Speaker 3: that's just sad and, petty AND i think she'll get.

942
00:43:24,160 --> 00:43:26,080
Speaker 3: One she'll be On dancing with The stars next, year

943
00:43:26,120 --> 00:43:26,920
Speaker 3: and then that'll be the end of.

944
00:43:26,920 --> 00:43:29,760
Speaker 1: It. Huck, yeah.

945
00:43:37,080 --> 00:43:39,400
Speaker 2: All, right on that, note since we've read here or

946
00:43:39,440 --> 00:43:42,680
Speaker 2: who else needs to be? Read aka their questions, Answered

947
00:43:42,680 --> 00:43:46,120
Speaker 2: but we're not gonna make this is the safat. Question

948
00:43:46,840 --> 00:43:48,560
Speaker 2: why this is the safe. Space you're not gonna be.

949
00:43:48,560 --> 00:43:50,040
Speaker 2: Read you're gonna be, Helped.

950
00:43:49,920 --> 00:43:52,160
Speaker 3: You're gonna be. Helped, yeah we have a good question For.

951
00:43:52,280 --> 00:43:56,239
Speaker 3: Sudda it's someone who wants to remain, anonymous AND i

952
00:43:56,280 --> 00:43:59,040
Speaker 3: need to make my font twenty times bigger Because i'm

953
00:43:59,040 --> 00:44:02,560
Speaker 3: old now AND i can't read this. Question, Okay so she,

954
00:44:02,600 --> 00:44:05,799
Speaker 3: SAYS i want to remain, anonymous so we'll call Her

955
00:44:05,880 --> 00:44:08,480
Speaker 3: viola SINCE i saw a clip Of how To Get

956
00:44:08,480 --> 00:44:12,240
Speaker 3: away With murder. Earlier, Okay So viola, SAYS i received

957
00:44:12,239 --> 00:44:14,160
Speaker 3: a letter from my credit union stating that they are

958
00:44:14,160 --> 00:44:16,360
Speaker 3: closing my credit card account due to a drop in

959
00:44:16,400 --> 00:44:19,080
Speaker 3: my credit. Score it was time to issue my new

960
00:44:19,160 --> 00:44:22,719
Speaker 3: card because another one was. Expiring it was time to

961
00:44:22,760 --> 00:44:24,520
Speaker 3: issue my new card because the ONE i had was

962
00:44:24,560 --> 00:44:27,360
Speaker 3: going to. Expire that's what she's trying to. Say. Balance

963
00:44:27,680 --> 00:44:31,160
Speaker 3: the balance on this card is almost is ten five hundred.

964
00:44:31,160 --> 00:44:34,000
Speaker 3: Dollars it's almost maxed. Out i'm going through a divorce

965
00:44:34,080 --> 00:44:36,919
Speaker 3: and Now i'm a single. Parent my finances are very

966
00:44:36,960 --> 00:44:38,640
Speaker 3: tight right, now SO i have been late with some

967
00:44:38,719 --> 00:44:41,520
Speaker 3: of my. BILLS i have two. TEENAGERS i make about

968
00:44:41,520 --> 00:44:44,920
Speaker 3: forty four thousand dollars a year. With in addition to

969
00:44:44,960 --> 00:44:48,120
Speaker 3: this credit card that has ten five hundred dollars on,

970
00:44:48,160 --> 00:44:50,319
Speaker 3: IT i have two other credit cards with balances of

971
00:44:50,360 --> 00:44:54,239
Speaker 3: about four thousand. Dollars i'm finally trying to catch. Up

972
00:44:54,400 --> 00:45:01,680
Speaker 3: what DO i? Do thank You Anonymous. Viola, yeah that's.

973
00:45:01,880 --> 00:45:05,360
Speaker 3: Well the first thing is, like, yes reminder your credit

974
00:45:05,360 --> 00:45:09,880
Speaker 3: card company if you prove that you're not being able

975
00:45:09,920 --> 00:45:11,920
Speaker 3: to pay your bills or that you're falling behind and

976
00:45:11,920 --> 00:45:14,480
Speaker 3: you've become like a severely delinquent, customer they can choose

977
00:45:14,520 --> 00:45:17,840
Speaker 3: to drop you but still come after you for the.

978
00:45:17,880 --> 00:45:19,960
Speaker 3: Money they don't drop you and forget about the money

979
00:45:20,000 --> 00:45:22,000
Speaker 3: that they owe. You they just say we're not going

980
00:45:22,080 --> 00:45:24,759
Speaker 3: to be letting you borrow anything else from.

981
00:45:24,840 --> 00:45:26,960
Speaker 2: Us and not only just, that but like this happened

982
00:45:26,960 --> 00:45:29,320
Speaker 2: WHEN i had my foreclosure at this great credit, score

983
00:45:29,360 --> 00:45:31,680
Speaker 2: and then BECAUSE i had my, foreclosure one of my

984
00:45:31,719 --> 00:45:34,440
Speaker 2: credit cards that had a really high limit lowered my

985
00:45:34,520 --> 00:45:37,919
Speaker 2: limit severely by two, thirds AND i was like Why

986
00:45:37,960 --> 00:45:40,080
Speaker 2: AND i was never late with that credit. Card but

987
00:45:40,600 --> 00:45:43,239
Speaker 2: if you read the fine, print basically that credit card

988
00:45:43,239 --> 00:45:45,520
Speaker 2: companies are people that you owe can lower your limit

989
00:45:46,880 --> 00:45:50,799
Speaker 2: based upon your overall financial. Health so they're, like you

990
00:45:50,800 --> 00:45:52,359
Speaker 2: were laid on a, mortgage so we're going to lower

991
00:45:52,360 --> 00:45:53,839
Speaker 2: your limit here so you don't try to lean on.

992
00:45:53,920 --> 00:45:56,319
Speaker 3: Us and they do it like as soon as you

993
00:45:56,320 --> 00:45:58,040
Speaker 3: pay it, down which is what it's sort of like.

994
00:45:58,600 --> 00:46:00,440
Speaker 3: Trying it's like the scene in the movie where the

995
00:46:00,480 --> 00:46:02,960
Speaker 3: ground like the water is going up and you're getting

996
00:46:02,960 --> 00:46:05,719
Speaker 3: closer to the ceiling because you want to pay your

997
00:46:05,719 --> 00:46:07,799
Speaker 3: credit card. Down but if you're in bad, shape like

998
00:46:07,880 --> 00:46:10,040
Speaker 3: as you're paying off your, card if they're reducing your

999
00:46:10,040 --> 00:46:12,160
Speaker 3: limit at the same, time it makes its, like on

1000
00:46:12,200 --> 00:46:14,160
Speaker 3: the one, hand good you're paying off your, card but

1001
00:46:14,600 --> 00:46:17,800
Speaker 3: because part of your credit score is how much credit

1002
00:46:17,840 --> 00:46:20,720
Speaker 3: debt you're using in relation to how much available credit

1003
00:46:20,719 --> 00:46:24,000
Speaker 3: debt you're, using when they lower your limit or your available,

1004
00:46:24,360 --> 00:46:27,799
Speaker 3: credit you're also going to be lowering or increasing how

1005
00:46:27,840 --> 00:46:29,600
Speaker 3: much debt you're going to be, using you, know in

1006
00:46:29,640 --> 00:46:32,160
Speaker 3: relation to how much you, have so that can hurt your,

1007
00:46:32,200 --> 00:46:34,600
Speaker 3: score like from the other side of things as, well

1008
00:46:35,080 --> 00:46:35,600
Speaker 3: which makes it.

1009
00:46:35,680 --> 00:46:40,120
Speaker 1: Rough, yeah but it does my first.

1010
00:46:40,120 --> 00:46:42,839
Speaker 3: Instinct so she has ten five hundred and one card

1011
00:46:42,840 --> 00:46:44,960
Speaker 3: and she's got a couple of other. CARDS i don't

1012
00:46:45,000 --> 00:46:46,560
Speaker 3: know if each of these has it. Doesn't it's not

1013
00:46:46,600 --> 00:46:48,400
Speaker 3: really clear if it's a total of four thousand or

1014
00:46:48,440 --> 00:46:51,360
Speaker 3: if each of them has four thousand. Each but my

1015
00:46:51,480 --> 00:46:56,560
Speaker 3: first thought is to try and qualify for some sort

1016
00:46:56,560 --> 00:47:01,120
Speaker 3: of balanced transfer offer to transfer the balances onto a credit.

1017
00:47:01,120 --> 00:47:05,520
Speaker 3: Card like balance transfers basically mean if you can get

1018
00:47:05,520 --> 00:47:09,080
Speaker 3: a good, offer they'll give you zero percent interest when

1019
00:47:09,120 --> 00:47:11,799
Speaker 3: you transfer balance from one or more credit cards onto

1020
00:47:11,840 --> 00:47:13,480
Speaker 3: a new credit, card and they'll give you zero percent

1021
00:47:13,480 --> 00:47:16,960
Speaker 3: for a set amount of, time like twelve, months eighteen,

1022
00:47:17,000 --> 00:47:19,560
Speaker 3: months and that buys you time to really start paying

1023
00:47:19,600 --> 00:47:22,640
Speaker 3: on your. Debt there's always like pros and conso like

1024
00:47:22,760 --> 00:47:25,799
Speaker 3: if you don't actually if you're not able to pay

1025
00:47:25,800 --> 00:47:28,520
Speaker 3: off the debt before the promotional period, ends then you're

1026
00:47:28,560 --> 00:47:30,480
Speaker 3: just right back where you started in some. Ways so

1027
00:47:31,120 --> 00:47:34,480
Speaker 3: that's one. Thing and then sometimes they charge like three percent,

1028
00:47:34,600 --> 00:47:37,359
Speaker 3: fees which in the grand scheme of, things it may

1029
00:47:37,400 --> 00:47:39,680
Speaker 3: be worth it to take that, hit BUT i would,

1030
00:47:39,680 --> 00:47:42,120
Speaker 3: say only do that if you're sure you'll be able

1031
00:47:42,160 --> 00:47:49,040
Speaker 3: to pay down that debt before that introductory rate is.

1032
00:47:49,080 --> 00:47:53,279
Speaker 2: Over, yeah that is important because that was something THAT i,

1033
00:47:53,320 --> 00:47:55,799
Speaker 2: did BUT i try to do it BEFORE i knew

1034
00:47:55,840 --> 00:47:59,560
Speaker 2: my credit was going to. Fall is THAT i opened

1035
00:47:59,600 --> 00:48:02,160
Speaker 2: up an, other you, know a Balanced trendsfer credit card

1036
00:48:02,160 --> 00:48:04,799
Speaker 2: and kind of roll. Over BUT i guess maybe her

1037
00:48:04,840 --> 00:48:07,840
Speaker 2: worry might be will she even qualify for a Balance

1038
00:48:07,880 --> 00:48:10,399
Speaker 2: treansfer credit card if her credit has taken a hit

1039
00:48:11,000 --> 00:48:13,160
Speaker 2: due to being, late you, know on other.

1040
00:48:13,200 --> 00:48:17,120
Speaker 3: Payments, yeah we we have A i'm Gonna i'm gonna,

1041
00:48:17,200 --> 00:48:19,319
Speaker 3: check but magnify. Money, like we get these questions a,

1042
00:48:19,320 --> 00:48:21,520
Speaker 3: lot how DO i get a balanced transfer with with poor?

1043
00:48:21,560 --> 00:48:24,600
Speaker 3: Credit it's true that you'll need at least for the best,

1044
00:48:24,640 --> 00:48:27,360
Speaker 3: offers at least like a six eighty six, sixty but

1045
00:48:27,480 --> 00:48:32,000
Speaker 3: six eighty is usually the number that we, see you, know.

1046
00:48:32,120 --> 00:48:35,640
Speaker 3: Offering but The chase, slate it's supposed to be a

1047
00:48:35,640 --> 00:48:41,520
Speaker 3: bit more lenient quote unquote with, credit so that maybe

1048
00:48:41,560 --> 00:48:46,040
Speaker 3: that's an option The chase, SLATE i, mean if your

1049
00:48:46,040 --> 00:48:48,200
Speaker 3: credit's already, suffering it can't hurt to at least see

1050
00:48:48,200 --> 00:48:51,480
Speaker 3: if you, qualify you, know a little ding in the

1051
00:48:51,520 --> 00:48:53,319
Speaker 3: grand scheme of things to see if you can maybe

1052
00:48:53,400 --> 00:48:56,000
Speaker 3: qualify for a balance transfer to help, you like help

1053
00:48:56,040 --> 00:48:57,880
Speaker 3: buy you some. TIME i, mean what do you, Think.

1054
00:48:59,160 --> 00:49:01,440
Speaker 1: YEAH i MEAN i. WOULD i. WOULD i would just

1055
00:49:01,440 --> 00:49:02,719
Speaker 1: because because what else are you going to?

1056
00:49:02,760 --> 00:49:05,759
Speaker 2: Do you're gonna you, know And i'm assuming that the

1057
00:49:06,760 --> 00:49:09,120
Speaker 2: that whatever your interest rate, is it is probably not

1058
00:49:09,200 --> 00:49:11,680
Speaker 2: the greatest with that credit card that they're. Closing so

1059
00:49:11,920 --> 00:49:15,759
Speaker 2: either looking for that or maybe even looking for well

1060
00:49:15,760 --> 00:49:17,040
Speaker 2: secured cards won't give you much.

1061
00:49:16,960 --> 00:49:19,040
Speaker 1: Money because that's your. Money, obviously it's to secure.

1062
00:49:19,200 --> 00:49:25,319
Speaker 2: Looking for a consolidation like loan and seeing if you

1063
00:49:25,360 --> 00:49:28,359
Speaker 2: could kind of roll over that that money and maybe

1064
00:49:28,400 --> 00:49:29,879
Speaker 2: even your other credit cards so that way you could

1065
00:49:29,880 --> 00:49:32,560
Speaker 2: pay a lower interest, rate but your your credit would

1066
00:49:32,600 --> 00:49:34,719
Speaker 2: have to be. Decent so you know, What SOMETIMES i

1067
00:49:34,760 --> 00:49:36,560
Speaker 2: have to just tell people this when they're like when

1068
00:49:36,600 --> 00:49:39,040
Speaker 2: dream catchers hit me, up And i'm, like at one,

1069
00:49:39,080 --> 00:49:42,440
Speaker 2: POINT i, remember AFTER i had made a bunch of

1070
00:49:42,440 --> 00:49:44,840
Speaker 2: financial kind of like choices with my back against the,

1071
00:49:44,880 --> 00:49:47,919
Speaker 2: wall and you, know like, foreclosure AND i had really

1072
00:49:48,000 --> 00:49:51,239
Speaker 2: high credit card balance and all the stuff happening at,

1073
00:49:51,239 --> 00:49:54,880
Speaker 2: once AND i was basically in the financial basement of my.

1074
00:49:55,000 --> 00:49:58,240
Speaker 2: Life AND i was, LIKE i, remember at one POINT

1075
00:49:58,239 --> 00:49:59,520
Speaker 2: i had to make peace with.

1076
00:50:00,320 --> 00:50:01,160
Speaker 1: THAT i was.

1077
00:50:01,120 --> 00:50:05,279
Speaker 2: Gonna have to make choose BETWEEN i guess and oh my,

1078
00:50:05,360 --> 00:50:07,040
Speaker 2: god like.

1079
00:50:07,080 --> 00:50:09,000
Speaker 1: That there is no you know WHAT i, mean like.

1080
00:50:09,120 --> 00:50:12,759
Speaker 3: There's like a great, like, yes amazing answer that's gonna

1081
00:50:12,760 --> 00:50:13,920
Speaker 3: solve all your problems.

1082
00:50:14,120 --> 00:50:17,480
Speaker 2: Exactly and so and it was hard because you know

1083
00:50:17,560 --> 00:50:19,520
Speaker 2: you're looking, for, well if you tell me what to,

1084
00:50:19,520 --> 00:50:20,880
Speaker 2: Do i'll do. It, like just tell me what to,

1085
00:50:20,920 --> 00:50:23,359
Speaker 2: Do i'll do. It let's fix. It and sometimes there

1086
00:50:23,520 --> 00:50:25,279
Speaker 2: was not that. Option it was just.

1087
00:50:25,920 --> 00:50:29,319
Speaker 1: Bad or really bad or kind of bad but not.

1088
00:50:29,400 --> 00:50:32,360
Speaker 2: Good so it's you, know and so it sounds like

1089
00:50:32,400 --> 00:50:34,520
Speaker 2: to me that you know right, Now and it doesn't

1090
00:50:34,560 --> 00:50:37,160
Speaker 2: mean that's like that forever because at that TIME i

1091
00:50:37,160 --> 00:50:39,479
Speaker 2: didn't really have great. Choices SO i made the best

1092
00:50:39,560 --> 00:50:45,640
Speaker 2: CHOICE i can considering the circumstances. Situation so you can you,

1093
00:50:45,680 --> 00:50:47,400
Speaker 2: know you're gonna have to slowly but surely try to

1094
00:50:47,400 --> 00:50:48,480
Speaker 2: pay down what you.

1095
00:50:48,640 --> 00:50:52,560
Speaker 1: Owe it's not gonna be. EASY i took away. Cable

1096
00:50:52,640 --> 00:50:53,320
Speaker 1: it was peanut butter and.

1097
00:50:53,440 --> 00:50:56,360
Speaker 2: Jelly it, was you, know it's slowly but, SURELY i

1098
00:50:56,360 --> 00:50:59,239
Speaker 2: mean sometimes the extra twenty, here extra thirty here to

1099
00:50:59,320 --> 00:51:02,000
Speaker 2: bring down my balances SO i could slowly but surely

1100
00:51:02,080 --> 00:51:03,880
Speaker 2: raise my. Credit it took about three years for me

1101
00:51:03,920 --> 00:51:06,400
Speaker 2: to pay off thirty five thousand dollars worth of. Debt

1102
00:51:06,800 --> 00:51:08,080
Speaker 2: and it was a little easier for me BECAUSE i

1103
00:51:08,120 --> 00:51:09,719
Speaker 2: did not have, kids so it's a little harder for.

1104
00:51:09,760 --> 00:51:14,480
Speaker 2: You but just working toward paying down your, debt look to,

1105
00:51:14,480 --> 00:51:17,080
Speaker 2: SEE i. Mean and sometimes you can call companies and, say,

1106
00:51:17,080 --> 00:51:19,960
Speaker 2: hey this is my credit. Score do you Think i'd

1107
00:51:19,960 --> 00:51:24,080
Speaker 2: Be i'd Be i'd be able to get a balance transfer.

1108
00:51:24,120 --> 00:51:26,520
Speaker 2: Card that, way you don't even have to. Apply Magnified

1109
00:51:26,520 --> 00:51:28,360
Speaker 2: money's got a great. Tool it's like a little slider

1110
00:51:28,680 --> 00:51:31,640
Speaker 2: that you could put your credit score and then like you,

1111
00:51:31,640 --> 00:51:34,040
Speaker 2: know you can like it'll tell you what balance transfer

1112
00:51:34,080 --> 00:51:37,759
Speaker 2: cards you are likely to be accepted for and then

1113
00:51:37,840 --> 00:51:39,759
Speaker 2: and see there and if it's, not then you have

1114
00:51:39,800 --> 00:51:42,279
Speaker 2: to just work on slowly paying down this. Debt and

1115
00:51:42,400 --> 00:51:43,440
Speaker 2: it won't always be.

1116
00:51:43,520 --> 00:51:46,600
Speaker 1: Like, THIS i promise it won't.

1117
00:51:46,640 --> 00:51:48,080
Speaker 2: Not if you can tell you put one foot in

1118
00:51:48,120 --> 00:51:51,319
Speaker 2: front of the, other and sometimes it just it's just

1119
00:51:51,320 --> 00:51:53,200
Speaker 2: not a great place to, be but it won't always

1120
00:51:53,239 --> 00:51:55,560
Speaker 2: be like. THIS a life is truly, cyclical and as

1121
00:51:55,600 --> 00:51:58,160
Speaker 2: long as you keep moving, forward eventually you'll be in

1122
00:51:58,160 --> 00:52:01,879
Speaker 2: a better space in. Place but right now it's just, yeah.

1123
00:52:01,600 --> 00:52:03,840
Speaker 3: Well let's do, this like this is SOMETHING i like to.

1124
00:52:03,880 --> 00:52:05,960
Speaker 3: Do is like let's walk through the, best like the,

1125
00:52:06,000 --> 00:52:08,719
Speaker 3: worst the best of the worst case scenario is like

1126
00:52:08,760 --> 00:52:11,880
Speaker 3: one balance. Transfer, okay so you're don't have to pay a,

1127
00:52:11,920 --> 00:52:14,240
Speaker 3: fee you only have a set amount of time with

1128
00:52:14,680 --> 00:52:17,880
Speaker 3: eighteen thousand dollars between fourteen to eighteen thousand dollars of

1129
00:52:17,920 --> 00:52:21,239
Speaker 3: debt potentially earning forty four thousand dollars a, year and

1130
00:52:21,320 --> 00:52:23,799
Speaker 3: two teenagers probably not going to be able to pay

1131
00:52:23,840 --> 00:52:26,840
Speaker 3: it all down unless she like makes drastic cuts to

1132
00:52:27,440 --> 00:52:30,560
Speaker 3: do it to get completed before the balance transfer, offer

1133
00:52:30,600 --> 00:52:32,799
Speaker 3: and so you'll get hit with interest charges at the you,

1134
00:52:32,840 --> 00:52:36,640
Speaker 3: know back with interest charges. Afterward so that's the worst

1135
00:52:36,640 --> 00:52:39,720
Speaker 3: case scenario with balance transfer personal, loans like you, said

1136
00:52:39,760 --> 00:52:43,239
Speaker 3: like a like a consolidation, loan you could you can

1137
00:52:43,320 --> 00:52:47,000
Speaker 3: easily go to Like Magnify money or Lending tree and

1138
00:52:47,239 --> 00:52:49,480
Speaker 3: see if you can pre qualify for a personal, loan

1139
00:52:49,520 --> 00:52:52,680
Speaker 3: which an online personal loan or you can even better

1140
00:52:53,080 --> 00:52:56,719
Speaker 3: potentially contact a credit union or a local bank and

1141
00:52:56,760 --> 00:52:59,839
Speaker 3: see if you can get qualified for a consolidation loan through.

1142
00:52:59,840 --> 00:53:03,279
Speaker 3: That but essentially the way these works these work is

1143
00:53:03,320 --> 00:53:06,000
Speaker 3: that same similar to balance, transfer you're going to use

1144
00:53:06,040 --> 00:53:09,000
Speaker 3: like this new loan to pay off all your existing credit,

1145
00:53:09,040 --> 00:53:13,080
Speaker 3: cards and then you're going to have one. Loan. Like

1146
00:53:13,120 --> 00:53:15,520
Speaker 3: the cons from my perspective for personal loans is that

1147
00:53:15,560 --> 00:53:17,680
Speaker 3: when you have bad, credit, yeah you're more likely to get.

1148
00:53:17,719 --> 00:53:20,160
Speaker 3: Approved but they have crazy high interest, rates like higher

1149
00:53:20,160 --> 00:53:23,240
Speaker 3: than credit. Cards SOMETIMES i don't know what your credit score,

1150
00:53:23,320 --> 00:53:26,120
Speaker 3: is but, YEAH i Mean i've seen like some personal

1151
00:53:26,160 --> 00:53:29,920
Speaker 3: loans have like thirty five percent interest. Rates, yeah so

1152
00:53:29,960 --> 00:53:31,719
Speaker 3: it would be and you know They but the thing

1153
00:53:31,719 --> 00:53:33,600
Speaker 3: about a personal loan is you get a set amount of,

1154
00:53:33,600 --> 00:53:36,759
Speaker 3: time like, three five, years seven, Years so you, know,

1155
00:53:36,920 --> 00:53:39,239
Speaker 3: okay after, this after these years are, up as long

1156
00:53:39,280 --> 00:53:41,000
Speaker 3: AS i keep making, Payments i'm going to be debt,

1157
00:53:41,040 --> 00:53:45,680
Speaker 3: free you, know inclusive of THE i, believe inclusive of

1158
00:53:46,000 --> 00:53:50,120
Speaker 3: the interests that you're paying over that. Time another worst

1159
00:53:50,160 --> 00:53:52,960
Speaker 3: case scenario for like dipping into her four ONE. K

1160
00:53:55,160 --> 00:53:57,120
Speaker 3: i know when my mom was going through her. Divorce

1161
00:53:57,200 --> 00:54:00,360
Speaker 3: this is like an. Avenue she dipped in for a.

1162
00:54:00,400 --> 00:54:02,319
Speaker 3: WHILE i only thought of before ONE. K it's something

1163
00:54:02,360 --> 00:54:07,680
Speaker 3: you dip into when when then got right that something.

1164
00:54:07,680 --> 00:54:09,640
Speaker 3: Happened mommy had a dip into her for ONE. K

1165
00:54:11,160 --> 00:54:13,960
Speaker 3: that's you, know if you can do like a well

1166
00:54:14,000 --> 00:54:16,600
Speaker 3: four with obviously four ONE. K like the downside is

1167
00:54:16,640 --> 00:54:19,120
Speaker 3: you're literally sort of like stealing money from your future.

1168
00:54:19,160 --> 00:54:24,160
Speaker 3: Self but if you look at the average returns on you,

1169
00:54:24,160 --> 00:54:26,280
Speaker 3: know what you can potentially earn, by you, know keeping

1170
00:54:26,280 --> 00:54:28,640
Speaker 3: your money in the. Market if you've got interest on

1171
00:54:28,680 --> 00:54:32,440
Speaker 3: a credit, card that's like twenty something. PERCENT i, mean,

1172
00:54:33,760 --> 00:54:36,680
Speaker 3: yeah it's like it's like, again it's not a great,

1173
00:54:37,000 --> 00:54:39,680
Speaker 3: choice but it's you have to sort of a. Choice

1174
00:54:39,719 --> 00:54:44,360
Speaker 3: it's a. Choice, yeah what are some other terrible? Choices

1175
00:54:44,360 --> 00:54:48,279
Speaker 3: she could like bad choices borrowing money from family and.

1176
00:54:48,320 --> 00:54:51,920
Speaker 1: Friends, yep and you could or you could also.

1177
00:54:51,960 --> 00:54:54,520
Speaker 2: Too, HONESTLY i, MEAN i know it sounds kind of like, wow,

1178
00:54:55,040 --> 00:54:57,960
Speaker 2: whatever BUT i REMEMBER i used to do odd. JOBS

1179
00:54:57,960 --> 00:55:00,920
Speaker 2: i was babysitting everyone's kids because back, then WHEN i

1180
00:55:01,000 --> 00:55:02,960
Speaker 2: lost my job AND i lost my house to, FORECLOSURE

1181
00:55:03,320 --> 00:55:05,880
Speaker 2: i was like looking for money on the. Side SO

1182
00:55:05,920 --> 00:55:09,200
Speaker 2: i used to do, surveys not, surveys like you, know

1183
00:55:09,239 --> 00:55:11,680
Speaker 2: answering surveys. Online BUT i used to do what are

1184
00:55:11,680 --> 00:55:13,680
Speaker 2: those things, called like when it's like the focus.

1185
00:55:13,719 --> 00:55:17,040
Speaker 1: Groups SO i used to do focus. GROUPS i used to.

1186
00:55:17,080 --> 00:55:18,440
Speaker 1: BABYSIT i used to.

1187
00:55:18,920 --> 00:55:22,040
Speaker 2: Tutor so finding like extra money on the side to

1188
00:55:22,080 --> 00:55:25,560
Speaker 2: help throw at the problem and so really looking into

1189
00:55:25,560 --> 00:55:27,520
Speaker 2: seeing you, know or even asking.

1190
00:55:27,280 --> 00:55:30,200
Speaker 1: For a raise at. Work is it possible for you

1191
00:55:30,280 --> 00:55:31,759
Speaker 1: to look for a job that pays a little bit

1192
00:55:31,800 --> 00:55:32,439
Speaker 1: more you.

1193
00:55:32,360 --> 00:55:34,400
Speaker 2: Really want to expand? Beyond, well this is WHERE i,

1194
00:55:34,440 --> 00:55:37,960
Speaker 2: am and ask, Yourself, okay so where CAN i push?

1195
00:55:37,960 --> 00:55:41,759
Speaker 1: Forward you, know, like you, know CAN i babysit? Kids?

1196
00:55:42,080 --> 00:55:43,400
Speaker 1: Sure CAN? I you know WHAT i?

1197
00:55:43,480 --> 00:55:46,520
Speaker 2: Mean so just looking into that and, seeing LIKE i,

1198
00:55:46,520 --> 00:55:49,120
Speaker 2: said like like we said, earlier like these are only

1199
00:55:49,239 --> 00:55:51,839
Speaker 2: LIKE i guess kind of, choices but you, know all

1200
00:55:51,840 --> 00:55:56,319
Speaker 2: of these added up together could really transform your life over.

1201
00:55:56,400 --> 00:55:59,880
Speaker 3: Time, Yeah i'm thinking about the fact that she has

1202
00:56:00,000 --> 00:56:03,920
Speaker 3: two teenage. Kids is this? Abuse like what if she

1203
00:56:04,120 --> 00:56:06,040
Speaker 3: puts like what if it's like a family mission to

1204
00:56:06,040 --> 00:56:07,880
Speaker 3: paint on this credit card debt and the kids are

1205
00:56:07,880 --> 00:56:10,720
Speaker 3: getting like part time jobs and like we're all chipping

1206
00:56:10,760 --> 00:56:12,480
Speaker 3: in to help pay down this credit? Card is that

1207
00:56:12,600 --> 00:56:15,560
Speaker 3: something that's crazy is that something that families. Do i'm

1208
00:56:15,600 --> 00:56:17,000
Speaker 3: not a, parent is this child.

1209
00:56:17,040 --> 00:56:21,719
Speaker 2: LABOR i MEAN i was gonna, say, HONESTLY i was gonna,

1210
00:56:21,719 --> 00:56:25,040
Speaker 2: say if you have, teenagers you know they can put

1211
00:56:25,040 --> 00:56:27,839
Speaker 2: Some there's lots of teenagers that help to. Contribute they may,

1212
00:56:27,920 --> 00:56:31,759
Speaker 2: babysit mow, lawns and so that might be something that

1213
00:56:31,800 --> 00:56:34,600
Speaker 2: you ask of. Them sometimes families have to chip. TOGETHER i, mean,

1214
00:56:34,640 --> 00:56:37,120
Speaker 2: honestly it's it's not unheard. Of it's not, like you,

1215
00:56:37,160 --> 00:56:39,480
Speaker 2: know WHEN i was a, TEENAGER i babysat a. LOT

1216
00:56:39,520 --> 00:56:41,680
Speaker 2: i MEAN i didn't thankfully at the, TIME i didn't

1217
00:56:41,719 --> 00:56:44,040
Speaker 2: have to contribute to the, household BUT i baby sat

1218
00:56:44,040 --> 00:56:45,720
Speaker 2: and my mom was, Like, okay that's.

1219
00:56:45,600 --> 00:56:46,320
Speaker 1: Your money for school.

1220
00:56:46,360 --> 00:56:50,160
Speaker 2: Clothes so even if you do, that like asking your

1221
00:56:50,239 --> 00:56:52,640
Speaker 2: kids to like it's not that they're necessarily going to

1222
00:56:52,719 --> 00:56:54,520
Speaker 2: give you money for the, household which you might, need

1223
00:56:54,560 --> 00:56:56,920
Speaker 2: but if you you might, not then maybe that money

1224
00:56:57,000 --> 00:56:59,960
Speaker 2: is used to cover some of their, expenses like, oh

1225
00:57:00,000 --> 00:57:01,719
Speaker 2: ok school clothes. Money like WHEN i worked in the,

1226
00:57:01,760 --> 00:57:04,240
Speaker 2: summer my mom was, Like, okay you worked the, summer

1227
00:57:04,239 --> 00:57:07,160
Speaker 2: and you, know you made fifteen hundred, Dollars so that's

1228
00:57:07,200 --> 00:57:08,520
Speaker 2: more than enough to purchase your school.

1229
00:57:08,520 --> 00:57:11,000
Speaker 1: Clothes AND i was like, What and so you.

1230
00:57:10,920 --> 00:57:13,040
Speaker 2: Know i've purchased the cheapest CLOTHES i could find BECAUSE

1231
00:57:13,080 --> 00:57:16,840
Speaker 2: i wanted to keep my money until they've got apart

1232
00:57:17,240 --> 00:57:19,280
Speaker 2: three months in. It she was, Like, aha welcome to

1233
00:57:19,280 --> 00:57:23,959
Speaker 2: the real. World but, YEAH i suggest oh go. AHEAD

1234
00:57:24,760 --> 00:57:26,600
Speaker 2: i was gonna, SAY I i feel like we gave

1235
00:57:26,640 --> 00:57:31,520
Speaker 2: a lot, of you, know good suggestions considering where she currently,

1236
00:57:31,600 --> 00:57:33,280
Speaker 2: is and hopefully they've been.

1237
00:57:33,280 --> 00:57:36,600
Speaker 3: Helpful, honestly we just did a guide on the best

1238
00:57:36,640 --> 00:57:39,600
Speaker 3: ways to pay off debt, quickly and it's in the

1239
00:57:39,600 --> 00:57:41,640
Speaker 3: beginning we have to say this is a lie because

1240
00:57:41,640 --> 00:57:44,240
Speaker 3: it's no quick there's no quick like band aid or.

1241
00:57:44,280 --> 00:57:47,280
Speaker 3: Fixed but there are there are hard ways to pay off,

1242
00:57:47,280 --> 00:57:49,360
Speaker 3: debt and then a lot of them. Work so Maybe

1243
00:57:49,400 --> 00:57:51,920
Speaker 3: i'll had a link to. That there's a debt snowball,

1244
00:57:52,000 --> 00:57:57,200
Speaker 3: method you can, try the debt avalanche, method personal, loans balance,

1245
00:57:57,280 --> 00:58:00,600
Speaker 3: transfers asking friends and family for, money asking the kids

1246
00:58:00,600 --> 00:58:02,919
Speaker 3: to chip. In JUST i THINK i think you're right

1247
00:58:03,000 --> 00:58:05,080
Speaker 3: to realize this is a problem and you want because

1248
00:58:05,080 --> 00:58:07,160
Speaker 3: it's only going to get. Worse you, know today it's, ten,

1249
00:58:07,720 --> 00:58:10,800
Speaker 3: ten eighteen, thousand, dollars but you, know in a year

1250
00:58:10,840 --> 00:58:12,680
Speaker 3: from now it could easily be so much. More so

1251
00:58:12,960 --> 00:58:15,920
Speaker 3: the point is like just to just to attack it

1252
00:58:16,080 --> 00:58:20,400
Speaker 3: now before it gets any. Worse and thank you for your.

1253
00:58:20,520 --> 00:58:23,160
Speaker 3: Question if you guys have, questions you know where to.

1254
00:58:23,160 --> 00:58:28,000
Speaker 3: Go It's Brondambition podcast dot. Com cuick, On, yes sorry

1255
00:58:28,040 --> 00:58:35,480
Speaker 3: about that Forgot oh, yeah ask us. Anything i'm running

1256
00:58:35,520 --> 00:58:38,800
Speaker 3: out of brain? Cells what? Else so our email address

1257
00:58:39,040 --> 00:58:42,640
Speaker 3: Is Brown Ambition podcast at gmail dot com or you

1258
00:58:42,640 --> 00:58:45,120
Speaker 3: can hit us up On twitter at THE ba podcast

1259
00:58:47,040 --> 00:58:47,600
Speaker 3: to ta get all that?

1260
00:58:47,680 --> 00:58:52,560
Speaker 1: Right and you, Did and we're going to end with some. Wins,

1261
00:58:53,480 --> 00:58:56,200
Speaker 1: yes so my.

1262
00:58:56,320 --> 00:58:58,440
Speaker 2: Win it's not a personal, win BUT i really want

1263
00:58:58,440 --> 00:59:00,880
Speaker 2: to have a win For. OH i don't know if

1264
00:59:00,880 --> 00:59:02,920
Speaker 2: you've been, watching but they have a new, series well

1265
00:59:02,960 --> 00:59:03,600
Speaker 2: SOME i, KNEW.

1266
00:59:03,400 --> 00:59:05,600
Speaker 1: I guess Called Black. Love have you seen?

1267
00:59:05,640 --> 00:59:08,120
Speaker 3: It, Oh i've seen ads for. THIS i don't actually have,

1268
00:59:08,200 --> 00:59:11,000
Speaker 3: cable SO i don't get to watch own, sadly BUT i.

1269
00:59:11,040 --> 00:59:14,880
Speaker 2: HAVE i feel so fancy because you, Know i'm usually

1270
00:59:14,880 --> 00:59:17,640
Speaker 2: the non cable, girl But superman is, like we won't

1271
00:59:17,680 --> 00:59:18,000
Speaker 2: be living.

1272
00:59:18,000 --> 00:59:20,840
Speaker 1: TOGETHER i need, cable two.

1273
00:59:20,720 --> 00:59:24,000
Speaker 2: Separate, houses and SO i have, CABLE i, know so

1274
00:59:24,040 --> 00:59:26,080
Speaker 2: we have cable, now and, Honestly i'm not a HUGE

1275
00:59:26,080 --> 00:59:29,000
Speaker 2: tv watcher outside OF, hgtv but a friend of mine was, like,

1276
00:59:29,040 --> 00:59:30,439
Speaker 2: girl you need to Watch Black.

1277
00:59:30,480 --> 00:59:32,880
Speaker 1: Love so last NIGHT i watched two. Episodes it was really.

1278
00:59:32,920 --> 00:59:35,760
Speaker 2: Good SO i just it just is an honest look

1279
00:59:35,840 --> 00:59:41,760
Speaker 2: at black couples and, like you, know like the good

1280
00:59:42,200 --> 00:59:44,200
Speaker 2: but not so, good the missteps and kind of how

1281
00:59:44,240 --> 00:59:46,040
Speaker 2: they got through. It and so you see people like,

1282
00:59:46,360 --> 00:59:48,040
Speaker 2: Uh Tia mauri and her Husband.

1283
00:59:48,120 --> 00:59:51,360
Speaker 3: Corey oh that's WHERE i saw. IT i follow her On. Instagram,

1284
00:59:51,480 --> 00:59:52,680
Speaker 3: Yeah tiya love.

1285
00:59:52,680 --> 00:59:56,560
Speaker 1: It, yeah So viola and her husband there they're.

1286
00:59:56,680 --> 00:59:59,480
Speaker 3: Meeting waits were they actually on the, show like they're

1287
00:59:59,520 --> 01:00:00,640
Speaker 3: being interview or?

1288
01:00:00,680 --> 01:00:01,880
Speaker 1: What, yes it's a.

1289
01:00:01,960 --> 01:00:05,440
Speaker 2: Documentary yes you have to my own. Her BUT i

1290
01:00:05,480 --> 01:00:08,440
Speaker 2: didn't realize how Hilarious riola. Was AND i love them.

1291
01:00:08,480 --> 01:00:10,680
Speaker 2: Together and so some people you kind of recognize their,

1292
01:00:10,680 --> 01:00:13,360
Speaker 2: face but you're, like, huh it's THAT i don't know

1293
01:00:13,360 --> 01:00:15,640
Speaker 2: WHERE i know her. From and so some people you

1294
01:00:15,680 --> 01:00:17,200
Speaker 2: know right, away you're, like, oh that's. It i've got

1295
01:00:17,240 --> 01:00:19,480
Speaker 2: the actor from, Say The Last dance or. Whatever so

1296
01:00:19,960 --> 01:00:23,520
Speaker 2: just listening to their meeting, stories their stories of, hardship

1297
01:00:23,840 --> 01:00:26,560
Speaker 2: some of them struggling to have, children and it's just

1298
01:00:26,600 --> 01:00:30,200
Speaker 2: an open wrong honest, like look at black love and all,

1299
01:00:30,520 --> 01:00:33,400
Speaker 2: forms the, good the, bad the, ugly and so honestly

1300
01:00:33,440 --> 01:00:35,320
Speaker 2: it's been it's been. Great and SO i think that's

1301
01:00:35,360 --> 01:00:38,440
Speaker 2: a huge win to honestly just put black love on.

1302
01:00:38,480 --> 01:00:39,680
Speaker 1: Display so that's my. WIN.

1303
01:00:40,360 --> 01:00:44,360
Speaker 3: Fantastico my win is going to be for the new cover.

1304
01:00:44,480 --> 01:00:50,120
Speaker 3: Girl my my awkward black Girl Queen Isa ray was

1305
01:00:50,160 --> 01:00:52,880
Speaker 3: just named when the new cover girl Faces. AWESOME i

1306
01:00:52,880 --> 01:00:56,360
Speaker 3: didn't know, That, yes why DO i feel like she's my?

1307
01:00:56,400 --> 01:00:58,440
Speaker 2: Friend like like if it didn't even call, Me i'm

1308
01:00:58,480 --> 01:00:59,640
Speaker 2: like MEANWHOW i DON'T i don't.

1309
01:00:59,640 --> 01:01:03,200
Speaker 3: KNOW i just it was just yesterday when my one

1310
01:01:03,280 --> 01:01:05,880
Speaker 3: friend at, Work juliet AND i we were ti he

1311
01:01:06,040 --> 01:01:08,680
Speaker 3: and over The Awkward Black girl YouTube series and The.

1312
01:01:08,760 --> 01:01:11,040
Speaker 3: Insecure first of, all the. Finale if you didn't watch,

1313
01:01:11,080 --> 01:01:12,680
Speaker 3: it do you Watch? Insecure you need to Watch. INSECURE

1314
01:01:12,720 --> 01:01:14,040
Speaker 3: i don't want to hear. Anything you have to watch.

1315
01:01:14,040 --> 01:01:17,040
Speaker 1: It, HEY i don't don't tell. Me i'm gonna.

1316
01:01:17,040 --> 01:01:20,880
Speaker 3: Watch it's so. Good, yeah the finale like this this

1317
01:01:20,880 --> 01:01:23,240
Speaker 3: this season is the season. Two but it's just been

1318
01:01:23,280 --> 01:01:26,360
Speaker 3: like even better than EVER i, had like a bit

1319
01:01:26,360 --> 01:01:28,919
Speaker 3: of a debate with a couple of my, friends my

1320
01:01:28,920 --> 01:01:32,080
Speaker 3: my the two my two culture critic friends who were saying, that, like,

1321
01:01:32,320 --> 01:01:35,480
Speaker 3: ugh because one of the characters in the, show you,

1322
01:01:35,520 --> 01:01:38,280
Speaker 3: know is with a married man who's in an open,

1323
01:01:38,320 --> 01:01:41,400
Speaker 3: relationship and It's they're, like oh my, god this show

1324
01:01:41,480 --> 01:01:43,560
Speaker 3: is just another, example you, know another black woman is

1325
01:01:43,560 --> 01:01:45,040
Speaker 3: with the married, guy And i'm, like but this show

1326
01:01:45,120 --> 01:01:46,960
Speaker 3: is so much, more like you cannot get caught up

1327
01:01:46,960 --> 01:01:50,480
Speaker 3: in those like relationship, storylines because there's a whole arc

1328
01:01:50,560 --> 01:01:53,080
Speaker 3: this season of like the one of the main characters

1329
01:01:53,200 --> 01:01:55,320
Speaker 3: not getting finding out she gets paid less at work

1330
01:01:55,360 --> 01:01:58,120
Speaker 3: than her white male peers and then getting paid more

1331
01:01:58,760 --> 01:02:01,920
Speaker 3: and just like, oh there's just there's and you, know

1332
01:02:01,960 --> 01:02:04,560
Speaker 3: and not getting our promotion at work and dealing with

1333
01:02:04,800 --> 01:02:08,640
Speaker 3: like interrace racism at the. Job like there's just so

1334
01:02:08,840 --> 01:02:11,040
Speaker 3: it's just so much and JUST i Love lisa and

1335
01:02:11,040 --> 01:02:15,040
Speaker 3: it's so exciting to see her succeed and to be

1336
01:02:15,080 --> 01:02:16,520
Speaker 3: a cover. Girl come, on LIKE.

1337
01:02:16,600 --> 01:02:18,120
Speaker 1: I know what WHAT.

1338
01:02:19,640 --> 01:02:22,280
Speaker 3: I know because the cover girl was LIKE i don't,

1339
01:02:22,280 --> 01:02:24,600
Speaker 3: Know CAMERON'S i, know.

1340
01:02:24,560 --> 01:02:27,080
Speaker 2: Because lisa getting cover girl is, like, Yo, tiffany you

1341
01:02:27,120 --> 01:02:30,160
Speaker 2: could be the mother epic cover, girl like cause IT'SSA

1342
01:02:30,320 --> 01:02:32,640
Speaker 2: i remember what she was Awkward Black girl on, YouTube

1343
01:02:32,680 --> 01:02:33,240
Speaker 2: AND i remember my.

1344
01:02:33,280 --> 01:02:35,200
Speaker 1: SISTER i can literally see it in my.

1345
01:02:35,160 --> 01:02:39,080
Speaker 2: Face my face in my mind when my Sister carol

1346
01:02:39,640 --> 01:02:42,680
Speaker 2: was like downstairs in the living room and she was,

1347
01:02:42,800 --> 01:02:44,520
Speaker 2: like come, here come look at.

1348
01:02:44,520 --> 01:02:47,120
Speaker 1: This this girl is so. Hilarious she's just like. Us

1349
01:02:47,520 --> 01:02:48,040
Speaker 1: AND i was like.

1350
01:02:48,080 --> 01:02:50,600
Speaker 2: What and we watched like like two or three episodes

1351
01:02:50,640 --> 01:02:52,360
Speaker 2: back to, back and me and my sisters gathered around

1352
01:02:52,360 --> 01:02:55,440
Speaker 2: the computer rolling, like oh my, god there's an, awkward

1353
01:02:55,920 --> 01:02:59,480
Speaker 2: geeky black girl that like totally gets like the nuances

1354
01:02:59,480 --> 01:03:01,320
Speaker 2: of just like regular black girl on This it's not

1355
01:03:02,240 --> 01:03:05,200
Speaker 2: everybody's not super, sassy everybody's not super dish or super

1356
01:03:05,560 --> 01:03:08,320
Speaker 2: she just seemed like just a regular black. Girl AND

1357
01:03:08,360 --> 01:03:11,479
Speaker 2: i just remember like. That to where she is, now

1358
01:03:11,560 --> 01:03:15,600
Speaker 2: it seems so crazy and so relatable and so, touchable

1359
01:03:15,720 --> 01:03:18,480
Speaker 2: like girl me next cover, girl call me.

1360
01:03:18,560 --> 01:03:24,880
Speaker 1: Boo yeah, right. Girl But i'm just saying it just. Honestly.

1361
01:03:25,400 --> 01:03:27,360
Speaker 2: YEAH i saw her At Black Girl's rocket taping AND

1362
01:03:27,360 --> 01:03:30,120
Speaker 2: i was, like look AT i almost, said.

1363
01:03:30,000 --> 01:03:31,400
Speaker 1: Hey you should.

1364
01:03:31,400 --> 01:03:33,280
Speaker 3: Have what she really needs is to get A coldgate,

1365
01:03:33,320 --> 01:03:36,520
Speaker 3: sponsorship because her teeth are the best Teeth i've ever seen,

1366
01:03:36,640 --> 01:03:40,000
Speaker 3: ever like, Ever like there's so many of, them and

1367
01:03:40,080 --> 01:03:44,760
Speaker 3: they're so, beautiful every last. One as a person with tiny,

1368
01:03:44,800 --> 01:03:47,360
Speaker 3: TEETH i just really. APPRECIATE i appreciate.

1369
01:03:47,360 --> 01:03:49,840
Speaker 2: IT i know they used to call me baby teeth in,

1370
01:03:49,880 --> 01:03:51,880
Speaker 2: college And i'm, like you, Know i'm gonna do something about.

1371
01:03:51,920 --> 01:03:55,480
Speaker 3: It people are. Assholes, YES i don't even care.

1372
01:03:55,520 --> 01:03:58,640
Speaker 2: Anymore like even WHEN i, LIKE i, remember like, You

1373
01:03:58,880 --> 01:04:01,000
Speaker 2: i'm starting to have such A i'll pick of skin

1374
01:04:01,200 --> 01:04:03,520
Speaker 2: because Like i've got little gaps between my teeth and

1375
01:04:03,520 --> 01:04:05,439
Speaker 2: LIKE i REMEMBER i was on the reel and someone

1376
01:04:05,560 --> 01:04:08,280
Speaker 2: was like she should have budgeted for, braces AND i was,

1377
01:04:08,360 --> 01:04:08,640
Speaker 2: like you.

1378
01:04:08,600 --> 01:04:10,360
Speaker 3: Know, what that's when you know you made.

1379
01:04:10,400 --> 01:04:13,440
Speaker 2: IT i, KNOW i, said you know, What i'm so

1380
01:04:13,560 --> 01:04:15,720
Speaker 2: glad That i'm so much more thicker skinned than. Before

1381
01:04:15,800 --> 01:04:17,520
Speaker 2: AND i was, like, girl as you watch me on

1382
01:04:17,560 --> 01:04:21,400
Speaker 2: the reel, though oh So i'm like, Whatever so, no,

1383
01:04:21,760 --> 01:04:23,760
Speaker 2: yeah BUT i would love to Have easter ray. Teeth

1384
01:04:23,760 --> 01:04:25,800
Speaker 2: and you never, know Maybe i'm might buy myself.

1385
01:04:25,840 --> 01:04:29,880
Speaker 3: SOME i mean, All i'm equal opportunity. Teeth i'm equal

1386
01:04:29,880 --> 01:04:33,000
Speaker 3: opportunity beautiful. Smiles and sometimes your teeth just match your

1387
01:04:33,000 --> 01:04:36,080
Speaker 3: face and your teeth are perfect for your. Face my

1388
01:04:36,120 --> 01:04:39,040
Speaker 3: teeth are perfect for my. Face let's all just thank our.

1389
01:04:39,080 --> 01:04:42,680
Speaker 2: Teeth thank, you, teeth ay, teeth thank you for allowing

1390
01:04:42,680 --> 01:04:44,240
Speaker 2: me to chew and to eat delicious.

1391
01:04:44,280 --> 01:04:47,320
Speaker 3: Food having just gotten a tooth taken, OUT i appreciate

1392
01:04:47,320 --> 01:04:49,439
Speaker 3: every one of my teeth so. Much they do so much.

1393
01:04:49,480 --> 01:04:51,680
Speaker 3: Work they're the unsung, heroes.

1394
01:04:51,680 --> 01:04:52,440
Speaker 1: All, RIGHT.

1395
01:04:54,240 --> 01:04:57,480
Speaker 3: I know you get that's my. WIN i need to

1396
01:04:57,520 --> 01:05:00,360
Speaker 3: go BEFORE i say anything else crazy AND i loss

1397
01:05:00,360 --> 01:05:01,920
Speaker 3: of wine like five minutes.

1398
01:05:01,960 --> 01:05:19,880
Speaker 2: AGO i, like y'all will see you next week