WEBVTT - Budgeting With Credit Cards 0:00:00.080 --> 0:00:03.160 Hey, Hey, baf fam, I have been waiting to tell you, guys. 0:00:03.200 --> 0:00:06.960 I have been sitting on this news forever. But for 0:00:07.040 --> 0:00:11.400 the first time in Brand Ambition history, we are going live, y'all. 0:00:11.400 --> 0:00:14.480 We are going to be live from Newark, New Jersey. 0:00:14.560 --> 0:00:18.360 It is all happening October tenth at six pm. If 0:00:18.400 --> 0:00:21.239 you want to get tickets now, tickets are limited. We 0:00:21.320 --> 0:00:24.440 picked the best venue. It's a historic black owned bookstore 0:00:24.480 --> 0:00:27.840 in Newark, but seating is limited. This is going to 0:00:27.880 --> 0:00:31.720 be an intimate evening with me and Tiffany live in person. 0:00:32.200 --> 0:00:34.640 It may be the only chance y'all get I'm not 0:00:34.680 --> 0:00:38.720 gonna lie to see us together live in twenty twenty four, 0:00:38.880 --> 0:00:40.919 So please come get your tickets. We want to make 0:00:40.920 --> 0:00:45.320 sure that the crowd is packed with true be a family. Okay, 0:00:45.760 --> 0:00:48.720 So if you want to get tickets, run, don't walk. 0:00:48.920 --> 0:00:52.320 Run to Brown Ambition podcast dot com to get the 0:00:52.360 --> 0:00:55.160 link right there and let us know that you're coming. 0:00:55.720 --> 0:00:58.480 Tag us, send us your receipts, send us your order. 0:00:58.560 --> 0:01:01.400 Maybe we'll send you some BA wag. We'll have some 0:01:01.480 --> 0:01:04.240 BA swag at the event. Even we are going to 0:01:04.319 --> 0:01:08.880 be celebrating nine years of the show, y'all. Nine years. 0:01:08.920 --> 0:01:12.200 We're like geriatric podcasters in the very best way. But 0:01:12.280 --> 0:01:14.840 we cannot wait to see y'all in Newark. So go 0:01:14.880 --> 0:01:17.880 ahead Brown Ambition podcast dot Com to get your tickets 0:01:17.880 --> 0:01:21.399 to see me and Tiffany live for Brown Ambition Live 0:01:21.560 --> 0:01:23.959 in Newark, New Jersey. It's all going down. Like I 0:01:24.000 --> 0:01:27.520 said October tenth, get your tickets again at Brown Ambition 0:01:27.680 --> 0:01:34.880 podcast dot com. 0:01:35.240 --> 0:01:39.000 It's time. Oh the b a qa a to b 0:01:39.120 --> 0:01:41.880 a q a. What you say the b a q 0:01:42.160 --> 0:01:45.440 It was me good to be aq with Tiffany the 0:01:45.480 --> 0:01:51.320 b big qa a. Hey, maje are you doing girl? Hi? Oh? 0:01:51.320 --> 0:01:51.680 What is said? 0:01:51.680 --> 0:01:56.840 The Remy wiggles oh immediately when he talks when someone 0:01:56.920 --> 0:01:58.960 answers the phone and they smile at him, He's. 0:01:58.840 --> 0:02:03.480 Like, Okay, I love that. 0:02:06.760 --> 0:02:09.360 Oh man, I'm trying not to think about how many 0:02:09.400 --> 0:02:10.720 ba qas are left. 0:02:11.280 --> 0:02:18.160 Oh, I gotta sing on my own. If you're wondering 0:02:18.160 --> 0:02:20.720 what we're talking about, check out our last episode. We 0:02:20.840 --> 0:02:24.240 had some big news. It's some sad news but also 0:02:24.240 --> 0:02:29.239 exciting news too about the future of the show. So yeah, 0:02:29.240 --> 0:02:32.079 you should listen to it. But if you're here for 0:02:32.120 --> 0:02:35.400 Branna Bishen question to answer, you have questions, We have answers, 0:02:35.440 --> 0:02:37.600 but not the kind of answers that you could sue 0:02:37.680 --> 0:02:41.239 us for, because this is for entertainment purposes only, right 0:02:42.040 --> 0:02:43.880 that you're going to take what we say with the 0:02:43.919 --> 0:02:46.400 smallest grain of salt, because essentially we're just talking to 0:02:46.400 --> 0:02:48.240 each other. And if you want to do what you 0:02:48.280 --> 0:02:50.680 want to do, I suggest that you will lean on 0:02:50.720 --> 0:02:54.880 over to your lawyer attorney. You're a doctor, your lawyer, whoever, 0:02:55.960 --> 0:02:58.080 And yet you know you're just like I had heard. 0:02:58.120 --> 0:02:59.800 But what do you think to the person that you 0:02:59.800 --> 0:03:00.679 paid professionally? 0:03:01.240 --> 0:03:06.480 Okay, today we got money questions, a couple of like 0:03:06.639 --> 0:03:11.920 juicy ones. Let's start to miss Tiffany. The Budgetnista alich 0:03:14.320 --> 0:03:19.040 Angara from IG has an interesting question about budgeting. She says, 0:03:19.400 --> 0:03:21.800 I try to pay for everything with my rewards credit 0:03:21.800 --> 0:03:24.040 cards and pay off the balance in full every month. 0:03:24.160 --> 0:03:26.800 My question is should I have a separate section in 0:03:26.840 --> 0:03:30.760 my budget for credit cards credit card payments? Or is 0:03:30.840 --> 0:03:33.680 that redundant since the amount on my credit cards is 0:03:33.760 --> 0:03:36.800 reflected in other areas of my budget. 0:03:38.200 --> 0:03:41.360 Oh, I see what she's saying. Yes, I'm gonna I'm gonna. 0:03:41.720 --> 0:03:43.480 I like that name. That's a cool name. I do too. 0:03:44.120 --> 0:03:46.320 All right, miss budgetista, what do you have to say 0:03:46.320 --> 0:03:47.280 about this budgeting question? 0:03:47.480 --> 0:03:49.920 Well, Ana, this question actually comes up more than you 0:03:49.960 --> 0:03:54.040 would think, so really when it comes to credit cards. 0:03:54.400 --> 0:03:58.520 So the only for you in particular a since you're 0:03:58.520 --> 0:04:02.040 paying here for credit card in full, and it's specifically 0:04:02.120 --> 0:04:05.120 for things that you you know, like oh you might 0:04:05.160 --> 0:04:08.680 put your rent on there, your mortgage, your light bill, 0:04:08.760 --> 0:04:12.120 your electric bill, that's already reflected in your budget, so 0:04:12.160 --> 0:04:15.640 you don't have to reflect it under credit cards. So 0:04:15.680 --> 0:04:18.200 typically when this is what I tell people, if they're 0:04:18.240 --> 0:04:20.120 going to have like a line item that says credit card, 0:04:20.560 --> 0:04:24.240 it's credit card debt that you're paying off, you know, 0:04:24.440 --> 0:04:28.640 not you actively putting putting a let's just say your 0:04:28.680 --> 0:04:30.600 light bill. You put your light bill on your credit 0:04:30.680 --> 0:04:32.719 card and you pay it off every month. That doesn't 0:04:32.760 --> 0:04:35.960 need to be reflected as a credit card expense because 0:04:35.960 --> 0:04:38.080 it's not really a credit card expense. It's your light bill, 0:04:38.279 --> 0:04:41.320 which you already have in this one line item up here. Now, 0:04:41.400 --> 0:04:43.280 if you came to me and we were doing your budget, 0:04:43.680 --> 0:04:45.440 we would have light bill, all your other bills, and 0:04:45.480 --> 0:04:47.919 we would have credit card. If you just owed a 0:04:48.040 --> 0:04:50.920 balance on it, you know, and then that's when you 0:04:50.960 --> 0:04:54.200 would have it like as two separate things. So I'm 0:04:54.200 --> 0:04:55.960 gonna want I love the way you're using your credit 0:04:55.960 --> 0:04:59.480 card because it's cute. Girl. You know, I am a 0:04:59.520 --> 0:05:02.520 credit ca our point Girly, that's how you made it. 0:05:02.560 --> 0:05:05.880 How most recently, I was very very philanthropic with my 0:05:05.920 --> 0:05:06.840 credit card points. 0:05:07.080 --> 0:05:08.400 How did you donate them? 0:05:08.880 --> 0:05:11.719 Yes? I donated them. So a friend of mine sadly 0:05:12.680 --> 0:05:16.720 their their parent was not doing well and it was 0:05:16.760 --> 0:05:20.120 a parent that lived in another country, and so you know, 0:05:20.320 --> 0:05:22.360 we had talked about it earlier, like in the summer, 0:05:22.400 --> 0:05:24.080 and I was like, you should go. They're like, honestly, 0:05:24.120 --> 0:05:26.840 the cost it's not cheap, you know, to fly. It 0:05:26.880 --> 0:05:28.880 was them, their spouse and their child. They were like, 0:05:29.240 --> 0:05:31.479 you know, like we said that we wanted to come, 0:05:31.839 --> 0:05:35.400 but you know, my parent was like, uh not right now, 0:05:35.520 --> 0:05:38.039 not right now. You know, I'm gonna I think like 0:05:38.240 --> 0:05:40.600 they had cancer and they were like, you know, I 0:05:40.720 --> 0:05:42.039 let me just you know, let me get back on 0:05:42.040 --> 0:05:43.640 my feet or whatever. But then it just took a 0:05:43.680 --> 0:05:47.599 turn and I was like, honestly, girl, you know you 0:05:47.680 --> 0:05:50.880 will regret not going to see your mom. I mean, 0:05:51.240 --> 0:05:53.000 you just got to go. See your mom, like, what 0:05:53.080 --> 0:05:56.000 can you do? And so I told them, I said, 0:05:56.800 --> 0:05:58.479 you know, they were like, She's like, I have enough 0:05:58.480 --> 0:06:00.000 money for me to go, but I would really love 0:06:00.720 --> 0:06:02.840 but you know, that was the struggle. So she was like, well, 0:06:02.839 --> 0:06:05.240 I'm just gonna go because obviously it's my mom. And 0:06:05.279 --> 0:06:07.960 I was like, well, I have points and I can 0:06:08.000 --> 0:06:09.719 fly the three of y'all out on my points. I 0:06:09.720 --> 0:06:13.040 had so many on my American Express because, like you Angada, 0:06:13.480 --> 0:06:15.680 the way I use my American Express is then it 0:06:15.800 --> 0:06:19.640 is my business card, and so all things business flow 0:06:19.680 --> 0:06:22.799 through the American Express. So the points accumulate very quickly, 0:06:23.880 --> 0:06:27.800 and I had seven hundred thousand American Express points. Now 0:06:27.800 --> 0:06:31.960 here is the caveat I if I would have so 0:06:33.279 --> 0:06:36.960 thank god for Instagram and TikTok because they have taught 0:06:36.960 --> 0:06:40.160 me how to maximize the point. So if I would 0:06:40.160 --> 0:06:43.200 have gone to American Express directly and said, hey, I 0:06:43.240 --> 0:06:46.559 want you to book these three flights from the United 0:06:46.560 --> 0:06:51.080 States to this European country, American Express would have said, okay, 0:06:51.160 --> 0:06:53.440 it's seven hundred and fifty thousand points. So it would 0:06:53.480 --> 0:06:55.880 have they would have used all my points, plus it 0:06:55.920 --> 0:06:59.680 would have also it would also cost me be like, 0:06:59.680 --> 0:07:01.360 I don't know, like you know, five hundred dollars out 0:07:01.400 --> 0:07:04.720 of pocket or something like that, right, But because of 0:07:04.760 --> 0:07:07.880 TikTok and Instagram, I'd recently been seeing like, you know, 0:07:07.880 --> 0:07:09.920 how to maximize your points, how to maximize your points, 0:07:10.280 --> 0:07:13.200 And there were all these creators who were like specifically 0:07:13.200 --> 0:07:16.600 for an American Express, there's a website called point dot Me 0:07:17.800 --> 0:07:20.040 and normally you paid like ten bucks a month or whatever, 0:07:20.120 --> 0:07:23.080 but they recently partnered with American Express. I don't partner 0:07:23.120 --> 0:07:25.920 with the R. I'm just feel serou. They recently partnered 0:07:25.920 --> 0:07:28.440 with American Express and they said, if you have a 0:07:28.480 --> 0:07:31.240 Platinum Card, which my business card is, you actually get 0:07:31.280 --> 0:07:33.800 point dot me a membership for free. And I was 0:07:33.840 --> 0:07:36.160 like okay, And so point got Me is a website 0:07:36.160 --> 0:07:38.840 that somebody created external to American Express, but I guess 0:07:38.840 --> 0:07:41.240 they partnered or brought them out. And you can go 0:07:41.280 --> 0:07:45.360 in and say, hey, I have this many points and 0:07:45.400 --> 0:07:47.800 I want to go from here to here? How do 0:07:47.880 --> 0:07:50.840 I maximize how? When I tell you it went from 0:07:50.920 --> 0:07:53.040 if I would have booked directly on American Express from 0:07:53.080 --> 0:07:55.440 seven hundred and fifty thousand points basically all my points 0:07:55.680 --> 0:07:58.880 to for three people Mandy if they flew Air Canada, 0:07:59.200 --> 0:08:01.320 because Air Canada I had some special because point me 0:08:01.400 --> 0:08:04.120 figures out the algorithm to two hundred and fifty thousand 0:08:04.120 --> 0:08:07.400 points for the three of them around trip. So it 0:08:07.520 --> 0:08:10.120 was like such right, and so it's like I saved 0:08:10.200 --> 0:08:13.560 five hundred thousand points. All three of them could go there, 0:08:13.680 --> 0:08:16.440 am back, and it was such a blessing. And she 0:08:16.520 --> 0:08:20.080 went and you know, like many times when people like 0:08:20.120 --> 0:08:23.840 are in hospice, they rally right before they passed away. 0:08:23.880 --> 0:08:25.840 So she was actually a really great spirits talking and 0:08:25.920 --> 0:08:29.040 laughing and eating cheesecake and all this stuff. And then 0:08:29.320 --> 0:08:32.040 while they was while they were there, three days later 0:08:32.080 --> 0:08:33.480 of them landing, she passed away. 0:08:34.280 --> 0:08:37.600 But to me, god, they got to see her, I mean. 0:08:37.559 --> 0:08:40.559 Right, and who wants to be there by yourself if 0:08:40.600 --> 0:08:43.560 you you know? And so I just thought to myself, 0:08:43.720 --> 0:08:46.600 like to so even as like you know, because sometimes 0:08:46.600 --> 0:08:49.080 we're like I'm not gonna lie. I have become my mother. 0:08:49.480 --> 0:08:52.320 Where any any place where I can collect points, whether 0:08:52.400 --> 0:08:56.400 it's the supermarket, whether it's the hotel, whether it's the airline, 0:08:56.480 --> 0:08:59.120 I collect them sometimes not even for me, because I 0:08:59.160 --> 0:09:00.959 just don't know when somebody might need it, I'm not 0:09:01.000 --> 0:09:03.280 gonna lie like I'm like the point purveyor, I'm like, 0:09:03.280 --> 0:09:06.240 who is points? And so I felt so good about it. 0:09:06.320 --> 0:09:10.080 Here, baby, can get your pocketbook out. 0:09:10.320 --> 0:09:13.800 I got minto my bag and so, you know, so 0:09:13.880 --> 0:09:16.040 I was so grateful and she was like, thank you 0:09:16.080 --> 0:09:19.360 so much. I was like, no, like, honestly, I was 0:09:19.360 --> 0:09:21.960 so grateful to be able to have done that because 0:09:22.320 --> 0:09:24.079 and it's not even like I told her I was 0:09:24.080 --> 0:09:26.360 a girl, It's not even it's one third of my 0:09:26.400 --> 0:09:30.360 points because you know, thank God for the TikTok algorithm 0:09:30.679 --> 0:09:32.880 teaching me how to maximize. And so I just say 0:09:32.880 --> 0:09:35.160 all that to say, if you are not using points, 0:09:35.320 --> 0:09:36.800 I mean, obviously you have to be able to you 0:09:36.840 --> 0:09:38.200 have to want to be able to pay off the 0:09:38.200 --> 0:09:41.719 thing in full, like I got. You know, I'm sorry. 0:09:41.720 --> 0:09:44.600 I don't want to say I'm like I'm gonna every 0:09:44.640 --> 0:09:47.680 single month, but it is a blessing that not just 0:09:47.720 --> 0:09:49.240 for you, but that you might be able to help 0:09:49.280 --> 0:09:51.480 other people with your points. I mean I have used 0:09:51.480 --> 0:09:53.760 points where I remember a friend of mine was really struggling. 0:09:54.040 --> 0:09:56.240 And every time I stay at a hotel, like if 0:09:56.240 --> 0:09:58.439 someone flies me out to like speak at a speaking 0:09:58.480 --> 0:10:00.760 engagement and it's a Hilton or Marria or whatever, I 0:10:00.800 --> 0:10:04.000 make sure to give them my reward number and I 0:10:04.360 --> 0:10:07.480 collect nights. But typically I never have to pay because 0:10:08.080 --> 0:10:10.440 if typically if I'm traveling, someone has paid me to speak. 0:10:10.720 --> 0:10:12.400 And so I've been able to help a friend who 0:10:12.440 --> 0:10:14.679 was really struggling about not knowing where they're going to stand. 0:10:14.679 --> 0:10:17.400 I'm like, I've got four nights at the Marriott, and 0:10:17.480 --> 0:10:19.480 so at least in the meantime you can stay there, 0:10:20.160 --> 0:10:22.320 you know, and then figure it out from there, you know. 0:10:22.440 --> 0:10:24.880 And so I don't know to me, but that is 0:10:24.920 --> 0:10:27.880 why I really love points. And so yeah, that points 0:10:28.400 --> 0:10:30.319 can be like a tool for you to like vacation 0:10:30.559 --> 0:10:32.200 or really a tool for you to bless other people. 0:10:33.320 --> 0:10:35.439 I think that's a wonderful way to do it. I 0:10:37.080 --> 0:10:38.840 have a love hate with my rewards cards. 0:10:38.880 --> 0:10:40.280 Now all you do? 0:10:41.840 --> 0:10:44.280 Yeah, homegirl, I can't be paying off my bills in 0:10:44.320 --> 0:10:49.720 full each month we see previous episode, Well are you able? 0:10:49.760 --> 0:10:52.360 Because sometimes with points, you know, how like they can 0:10:52.440 --> 0:10:54.480 like you can use points to pay down the bill. 0:10:55.040 --> 0:10:57.400 Yeah, you can get a statement credit, Yeah for sure, 0:10:57.520 --> 0:11:02.120 And definitely I have done that, not to pay the 0:11:02.160 --> 0:11:03.920 whole thing off, but Okay. 0:11:04.040 --> 0:11:04.719 We're getting there. 0:11:04.960 --> 0:11:07.040 Honestly, I'm in such a situation that I'm like, it's 0:11:07.080 --> 0:11:10.720 time for a budget. I might need to uh, I 0:11:10.760 --> 0:11:14.240 need to call in the budget, call in the budget guide. 0:11:14.520 --> 0:11:18.200 I wish I could me somebody who you have? 0:11:18.200 --> 0:11:23.160 Anyone I know? Girl, I'm here, I'm here. 0:11:23.360 --> 0:11:26.640 Oh god, Okay, all right if I quick break, can 0:11:26.640 --> 0:11:32.320 we be right back with question number two? All right, Tiffany, 0:11:32.320 --> 0:11:33.480 want to read our next question. 0:11:36.160 --> 0:11:38.880 And it's funny because it's like her name is missus 0:11:38.880 --> 0:11:40.880 a Line, which I'm like, I love that because we're 0:11:40.880 --> 0:11:43.640 going to talk about alignment. Missus the Line says, Hi, 0:11:44.160 --> 0:11:46.880 question for missus a Line, my husband paid all of 0:11:46.920 --> 0:11:50.680 the bills. Oh yes, girl, And I'm wondering what I 0:11:50.679 --> 0:11:54.080 should do with my income beside save first of all, 0:11:54.240 --> 0:11:56.840 one time for missus a lot missed a Line. Okay, 0:11:57.480 --> 0:12:00.840 you're not mad at it? Also like I love that. 0:12:00.920 --> 0:12:03.480 I feel like this is my wife is looking pretty good. 0:12:05.679 --> 0:12:09.120 So what say you? Managra? Like what are the other options? 0:12:09.160 --> 0:12:10.920 It's like, well, if I don't have to pay bills, 0:12:10.960 --> 0:12:13.679 like what should missus the Ligne be doing with a 0:12:13.800 --> 0:12:15.120 kolid miss the Line? 0:12:15.160 --> 0:12:18.320 I have a confession when I saw your question. I 0:12:18.480 --> 0:12:20.000 was like, you're going to answer that question. You don't 0:12:20.040 --> 0:12:24.679 have problems delete and then my wise mind to talk 0:12:24.679 --> 0:12:27.880 about wise mind and therapy. My wise mind whispered to me, Mandy, 0:12:27.920 --> 0:12:30.960 why were you so dismissive? What about that question bothered you? 0:12:31.800 --> 0:12:34.760 And I think in my time a financial need. It 0:12:34.920 --> 0:12:40.120 just bothered me that someone's like I got money. But 0:12:40.720 --> 0:12:43.199 it took me like all of two point five seconds 0:12:43.200 --> 0:12:47.040 to realize, Oh, this is really a question about what 0:12:47.160 --> 0:12:49.560 should I do to maximize the income that I have 0:12:49.720 --> 0:12:52.240 and hopefully create some financial security for myself. And I 0:12:52.280 --> 0:12:54.480 think it is especially for the you know, if you 0:12:54.520 --> 0:12:57.400 were a partner who's fortunate enough, even if you know 0:12:57.440 --> 0:12:59.840 you guys are chipping in, if they're still left over money. 0:13:00.679 --> 0:13:02.920 I just immediately was thinking of like tips about what 0:13:02.960 --> 0:13:04.720 to do with her extra money and how she could 0:13:04.800 --> 0:13:08.440 create some safety for herself since her husband is the 0:13:08.480 --> 0:13:11.600 breadwinner and or at least is the bill payer. It 0:13:11.640 --> 0:13:15.080 sounds like she has income from somewhere so that she, 0:13:15.760 --> 0:13:20.120 I thought, will immediately put away savings for yourself, like 0:13:20.200 --> 0:13:23.520 cash savings that you can you have access to. I 0:13:23.520 --> 0:13:25.240 think there's a lot of focus on a prenup. But 0:13:25.280 --> 0:13:27.560 I also think just some good old cash savings so 0:13:27.559 --> 0:13:31.080 that you're protected just in case he if it turns toxic, 0:13:31.280 --> 0:13:34.199 or if he you know, isn't available for whatever reason. 0:13:34.240 --> 0:13:37.160 Just to have your own money. But then also think 0:13:37.200 --> 0:13:39.319 about your longevity and like how you're going to be 0:13:39.400 --> 0:13:42.360 investing for your future. Women are going to live longer 0:13:42.880 --> 0:13:47.720 typically than their husbands, and so you know, if you 0:13:48.280 --> 0:13:51.360 want to contribute more to your own retirement fund, or 0:13:51.400 --> 0:13:53.480 you could use that money to start a business, You 0:13:53.480 --> 0:13:55.640 could use that money to invest in your home, to 0:13:55.720 --> 0:13:59.040 do something for the family. You can make your I 0:13:59.080 --> 0:14:00.680 know tip you're going to talk about this how you 0:14:00.720 --> 0:14:03.680 and Jarrell. I'll just hush and let you do it. 0:14:03.720 --> 0:14:07.160 But talk about how you and Jarrell, what you did 0:14:07.160 --> 0:14:09.040 with your income and how you gave it different purposes. 0:14:09.080 --> 0:14:11.720 So everyone was like, oh, we're contributing, even though it 0:14:11.760 --> 0:14:14.320 was like an imbalance, you know. 0:14:17.800 --> 0:14:20.680 Well, yeah, so so missus. The line went similar to you, 0:14:20.760 --> 0:14:24.560 my husband paid the bills at the time when we 0:14:24.680 --> 0:14:28.320 first got together. He was my boyfriend. I had moved 0:14:28.320 --> 0:14:30.320 in with him, and honestly, our bills wasn't that weren't 0:14:30.360 --> 0:14:35.200 that much because he worked for newer housing authority, and candidly, 0:14:35.240 --> 0:14:37.200 we lived in housing, and so our rent was like 0:14:37.240 --> 0:14:39.040 nine hundred dollars. I was like whoo. I was like, 0:14:39.120 --> 0:14:41.680 you want to have? He was like I'm good. I 0:14:41.720 --> 0:14:43.800 was like okay. And then because we lived in housing, 0:14:43.840 --> 0:14:45.600 I don't think I don't even think we paid electric 0:14:45.680 --> 0:14:48.600 bill or we did was like very modified because he 0:14:48.600 --> 0:14:51.880 lived quote unquote on campus, like the unit that he 0:14:51.920 --> 0:14:53.600 took care of is where he lived. So he got 0:14:53.600 --> 0:14:56.880 to live like really inexpensively. So I was able to, 0:14:56.920 --> 0:14:59.640 you know, live with him. And then but at the 0:14:59.680 --> 0:15:01.600 time and the budgetest was just getting on her feet, 0:15:01.600 --> 0:15:04.360 and then it started to make significantly more. And so 0:15:04.520 --> 0:15:07.880 although I made more than him, at some point, he 0:15:08.200 --> 0:15:10.600 still paid the bills. You know, I want to say, 0:15:10.600 --> 0:15:13.760 our bills were like under fifteen hundred dollars a month 0:15:13.800 --> 0:15:16.880 at that time. So I was able to rapidly save. 0:15:17.600 --> 0:15:20.320 And so I saved jointly because after we got engaged, 0:15:20.360 --> 0:15:22.640 I said, okay, so now we can have a joint 0:15:22.680 --> 0:15:26.320 savings and then a joint like an independent savings. So 0:15:26.320 --> 0:15:29.560 I had savings for myself and I had savings for 0:15:30.160 --> 0:15:33.200 like us jointly. And it was with that joint savings 0:15:33.400 --> 0:15:37.480 that I was able to purchase our property, you know, 0:15:37.520 --> 0:15:39.240 like I mean, it was us, but it was from 0:15:39.280 --> 0:15:41.840 the joint savings that I was contributing to because he 0:15:41.880 --> 0:15:44.160 didn't contribute to the savings because he was paying the bills. 0:15:44.520 --> 0:15:47.120 So we worked it out where and especially after marriage, 0:15:47.120 --> 0:15:49.520 because you're married now, we really worked it out. We said, 0:15:49.560 --> 0:15:52.800 we want three accounts, joint and separate. We have a 0:15:53.800 --> 0:15:57.600 checking account, joint checking, separate checking. Separate checking was for 0:15:57.680 --> 0:15:59.480 like spending, you want to get your nails done, hair done, 0:15:59.480 --> 0:16:02.080 and everything did, that's what you used that for. But 0:16:02.120 --> 0:16:04.320 then we had this joint checking where that's where we 0:16:04.360 --> 0:16:06.520 paid the bills out of and most of his check 0:16:06.560 --> 0:16:09.120 one there. I didn't put really any money into the 0:16:09.120 --> 0:16:11.080 bills account except for the money that I gave my 0:16:11.120 --> 0:16:13.480 parents every month, because I would like send them money 0:16:13.680 --> 0:16:15.680 to help them out, you know, every single month, and 0:16:15.720 --> 0:16:17.640 so whatever money I was giving them, I would put 0:16:17.640 --> 0:16:19.960 into our bills account. So we had that. Then we 0:16:20.040 --> 0:16:23.560 had joint savings and separate savings. Separate savings because maybe 0:16:23.560 --> 0:16:25.960 you want to save something for yourself. But then most 0:16:26.360 --> 0:16:28.320 most of my money that I made as Tiffany went 0:16:28.360 --> 0:16:31.040 into our joint savings to buy a house, to get 0:16:31.080 --> 0:16:33.800 a car, to get those types of things. And then 0:16:33.800 --> 0:16:35.920 the last account that we had joined and separate. We 0:16:36.000 --> 0:16:40.560 had joint retirement or investment account and separate investment accounts, 0:16:41.040 --> 0:16:43.760 and so that way it gives you. I just found 0:16:43.800 --> 0:16:46.760 like it found it worked best to have like separate 0:16:46.840 --> 0:16:48.480 and join everything, so you kind of have your own 0:16:48.520 --> 0:16:51.720 autonomy for some things. But the vast majority of the 0:16:52.600 --> 0:16:57.360 family's money went to our joint accounts, joint investing, joint savings, 0:16:57.440 --> 0:16:59.800 joint checking, if that makes sense, but still slice to 0:16:59.800 --> 0:17:02.720 have thing for yourself. And so we did both, and 0:17:02.800 --> 0:17:05.399 so you know, you could check to see if that works. 0:17:05.440 --> 0:17:06.919 I don't know how much you make. I don't know 0:17:07.000 --> 0:17:10.560 what your agreement is, but I believe in transparency. It 0:17:10.600 --> 0:17:12.959 wasn't like, oh I had my secret check in you know, 0:17:13.040 --> 0:17:15.199 if he acts up, I'm out. But I had my 0:17:15.280 --> 0:17:17.800 money that was mine and he had his money that 0:17:17.960 --> 0:17:20.560 was his. Because I found that, I used to look 0:17:20.560 --> 0:17:22.720 and be like, where you get them, Jordan's from, where 0:17:22.760 --> 0:17:25.080 you get this from? And so I realized, like we 0:17:25.119 --> 0:17:27.359 need to have some separate money. That way, I because 0:17:27.400 --> 0:17:29.080 I still need to have a little control. So I 0:17:29.119 --> 0:17:31.399 needed to be able to see the bills are fine, 0:17:31.840 --> 0:17:34.960 the savings is fine, the retirement is fine, and so 0:17:35.000 --> 0:17:36.800 if he bought those, it must have been from his 0:17:36.920 --> 0:17:39.440 separate money. Let it rock, Tiffany, Damn, you're not the 0:17:39.480 --> 0:17:43.239 bulls for him, even though I want the balls. And 0:17:43.280 --> 0:17:46.080 so it helped to have jo and separate. So that's 0:17:46.119 --> 0:17:49.480 what I would suggest, is that yes, instead of not 0:17:49.600 --> 0:17:52.520 just saving, you know, potentially saving for the both of 0:17:52.560 --> 0:17:55.200 you and yourself independently, but also are you setting aside 0:17:55.200 --> 0:17:57.760 for a retirement. That's what I would just say is misaligned. 0:17:58.000 --> 0:18:01.120 Is that making sure that bills are paid, aid savings 0:18:01.119 --> 0:18:04.160 is say, but you're also setting aside for the future. 0:18:04.200 --> 0:18:07.080 And if, however that looks for you, your money can 0:18:07.080 --> 0:18:09.639 contribute to all those or some of those things. 0:18:10.200 --> 0:18:12.879 Yeah, And what if Husby is not actually contributing to 0:18:13.080 --> 0:18:15.639 like retirement funds because she says paying the bills, but 0:18:15.720 --> 0:18:17.399 is she considering retirement to be a bill? Does he 0:18:17.440 --> 0:18:19.719 know what's a bill? He should be doing it? So 0:18:19.800 --> 0:18:21.040 have a line. I just want her to have a 0:18:21.040 --> 0:18:24.240 line of sight into where the money is going. Yes, 0:18:24.280 --> 0:18:27.360 and then you know that you should encourage like either 0:18:27.440 --> 0:18:29.200 tell him, hey, this has to be a budget line 0:18:29.240 --> 0:18:31.119 at him, like our retirement or make sure that it's 0:18:31.160 --> 0:18:31.600 on your. 0:18:31.760 --> 0:18:37.359 Yes, yes, exactly, those three things should be happening. Bills, savings, retirement. 0:18:39.480 --> 0:18:42.840 Sorry for almost deleting your question. It was a personal problem. 0:18:43.560 --> 0:18:44.320 Nothing to do with you. 0:18:44.960 --> 0:18:55.040 Great growth. Yes, Kelly, do you know Cyebar? Do you 0:18:55.080 --> 0:18:57.879 know that she's doing Resa Tisa? The Who the F? 0:18:57.920 --> 0:18:59.399 Did I marry? Who? 0:18:59.720 --> 0:19:01.960 Did? I'm yeah, yeah, yeah, oh she's Yeah, she's doing 0:19:01.960 --> 0:19:02.520 the series. 0:19:03.200 --> 0:19:06.240 I cannot wait. That is amazing. You know, people said 0:19:06.240 --> 0:19:08.040 so much about miss Lisa Tisa, but let me tell you, 0:19:08.040 --> 0:19:10.520 she's laughing all the way to the what the Bank? 0:19:11.200 --> 0:19:14.760 And that lady's a storyteller extraordinaire. Okay, I never watched 0:19:14.800 --> 0:19:15.560 all eighty what was it? 0:19:15.560 --> 0:19:15.960 Eighty hour? 0:19:16.119 --> 0:19:17.800 Me either? Girl, I couldn't, But I'm going to watch 0:19:17.800 --> 0:19:19.320 the show because that sounds a good place. I want 0:19:19.359 --> 0:19:20.040 to support a sister. 0:19:20.720 --> 0:19:23.440 And also Natasha Rothwell's show, that's what we're talking about 0:19:23.840 --> 0:19:29.560 on Hulu how to Die Alone? Yes, yes, another black written, 0:19:29.600 --> 0:19:35.639 black owned program on your local station. All right, Miss 0:19:35.640 --> 0:19:39.640 Thang and ba fam, thank you for your questions. Don't 0:19:39.960 --> 0:19:42.200 tell a friend to tell a friend and we'll see 0:19:42.200 --> 0:19:44.160 you guys Monday for Holla back. 0:19:44.280 --> 0:19:47.359 Yes, and they're probably likely. I've already sold out, but 0:19:47.440 --> 0:19:50.520 if you go to Brannan Vision podcast dot com you 0:19:50.680 --> 0:19:53.600 maybe can join the wait list or we might release 0:19:53.680 --> 0:19:57.560 some other tickets. We're going to try to see if 0:19:57.560 --> 0:20:00.199 the space can hold because we're just basically sold out 0:20:00.240 --> 0:20:05.400