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Speaker 1: It's time for the b a q a A b

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Speaker 1: a q a which your sir be a.

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Speaker 2: Q eight with man day, let me be a q

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Speaker 2: a tip a. Let me be a q a A.

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Speaker 3: Hey man, you know what, we just did the same

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Speaker 3: we're doing that far twin thing. We did the head

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Speaker 3: at the same time. Oh man, you can't teach that

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Speaker 3: kind of choreography.

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Speaker 2: Either guy, or you don't.

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Speaker 3: Hello, all right, what's up? B a fam Hey Tiffany,

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Speaker 3: I'm excited for b a q A. You got some

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Speaker 3: juicy questions you guys. If you want to semitic question,

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Speaker 3: you can go to Brand Ambition Podcast on i G

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Speaker 3: and slide into our d MS, or you can mail

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Speaker 3: us directly at Brandanambispodcast at gmail dot com dot com.

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Speaker 3: And oh yeah, we need to do the don't sue us?

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Speaker 2: Oh yes, so here's the thing.

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Speaker 1: This is for entertainment purposes, Holy Solemn, which means like child,

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Speaker 1: do not sue us because you got to reach out

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Speaker 1: to your doctor, yoloya, your financial advisor. We're not none

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Speaker 1: of those things, which is two super cut brown girls

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Speaker 1: on the interwebs just talking our talk, you know, not

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Speaker 1: giving advice, just talking and giving a little entertainment aka

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Speaker 1: Sue your Grandma not us.

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Speaker 2: Thank you?

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Speaker 3: All right, let's jump on in here. Instagram user Jalisa

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Speaker 3: says I love the show, keep them coming, please and

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Speaker 3: thank you.

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Speaker 2: Question?

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Speaker 3: Is it smart to have a home equity line of

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Speaker 3: credit on standby in the event that you need it?

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Speaker 3: We bought our house almost three years ago, and I'm

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Speaker 3: not sure that we have a ton of equity just yet,

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Speaker 3: but I heard a financial advisor on IG talking about it.

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Speaker 3: Thoughts love y'all.

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Speaker 2: Well all those IG advisors.

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Speaker 3: Wow, maybe it was someone really good. But yeah, I

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Speaker 3: actually I actually am considering doing just that.

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Speaker 2: So okay, well let's tell the people what is a

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Speaker 2: he lock.

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Speaker 3: A home equity line of credit is basically turning the

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Speaker 3: equity in your home into a piggybank. But don't get

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Speaker 3: a twisted it is a loan. And it took me

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Speaker 3: ages to sort of like understand what a second mortgage was.

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Speaker 3: This is a second mortgage because you are taking out

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Speaker 3: a loan against the value of your home. But the

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Speaker 3: specific thing here is that it's the value of your

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Speaker 3: home minus your loan balance. So like, if you have

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Speaker 3: one hundred thousand dollars of equity in your home. Meaning

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Speaker 3: if you owe one hundred thousand dollars on your loan,

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Speaker 3: but your home is appraised for two hundred thousand dollars,

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Speaker 3: that means you have one hundred thousand dollars of equity.

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Speaker 3: And the other thing didn't understand about a home equity

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Speaker 3: line of credit specifically, because there is such thing as

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Speaker 3: just a home equity loan, which is when you will

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Speaker 3: get a lump pay, a lump sum deposit of like, okay,

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Speaker 3: we're going to give you, like, let's say again, your

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Speaker 3: equity is one hundred thousand dollars. Lenders will some of

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Speaker 3: them may give you up to like eighty percent of

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Speaker 3: yours of your equity as a lump sum, but it

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Speaker 3: can vary by lender. But let's say it's eighty thousand dollars.

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Speaker 3: You can get that as a one lump sum payment.

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Speaker 3: A home equity line of credit is you'll have that

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Speaker 3: eighty thousand dollars available to you to use, and you'll

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Speaker 3: have something called a draw period, which is basically how

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Speaker 3: much time during this time window of time I think

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Speaker 3: it's like five to ten years something like that, where

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Speaker 3: you can actually use that line of credit like a

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Speaker 3: credit card to pay for things around your house, whether

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Speaker 3: it's home upgrades, consolidating debt, buying a car, whatever it

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Speaker 3: may be. You can use the money for whatever you want.

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Speaker 3: They're also usually a lot lower, lot less expensive than

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Speaker 3: credit card dead or other forms of borrowing because and

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Speaker 3: this is the big thing, your home is securing it.

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Speaker 3: So the same with your first mortgage on your home.

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Speaker 3: If you default on your payment for that loan, you

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Speaker 3: could lose your home. So on the flip side of that,

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Speaker 3: because the bank knows they're going to get something, they

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Speaker 3: leave in here with something you don't. Yes, they're leaving

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Speaker 3: there with something, and that's something is going to be

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Speaker 3: the roof over your head. So they give you a

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Speaker 3: cheaper interest rate. And I'm not surprised that she saw

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Speaker 3: someone talking about it because so many homeowners like me

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Speaker 3: who are stuck in a starter home but have a

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Speaker 3: lot of equity. You know, it is an attractive option

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Speaker 3: to sign up for a home equity line of credit.

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Speaker 3: You don't have to use it all at one time,

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Speaker 3: but you have access to it like this, like Jalisa

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Speaker 3: has said, and Tiffany, as you pointed out, in harder

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Speaker 3: economic times, it may not be banks may not be

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Speaker 3: as willing to loan to offer helocks, so.

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Speaker 1: Because they know the girl is going to be like, ah,

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Speaker 1: let me go to my house, which is like a piggybank.

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Speaker 1: So I'll share with you what my financial advisor, an Jelie,

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Speaker 1: said she'd asked me.

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Speaker 2: She said, Tiviny, do you want to go ahead and

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Speaker 2: get a helock? Think about it? And I was like why.

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Speaker 1: She said, well, bird on the street is you know,

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Speaker 1: the people are worried about an upcoming recession, and when

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Speaker 1: that happens, banks oftentimes take heelocks off the table because

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Speaker 1: they know a lot of homeowners leaning on them, and

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Speaker 1: oftentimes they lean in on them when they need it

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Speaker 1: the most, which means you're likely not to be able

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Speaker 1: to afford to pay it back. So she said, if

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Speaker 1: you think that you might need access, but I had

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Speaker 1: a year's worth of emergency savings saved, so she was like,

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Speaker 1: it's not something I'm suggesting, just something they could think about.

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Speaker 1: If you think that you might need access to additional income,

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Speaker 1: your additional money, you can get one holded and that way,

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Speaker 1: if something really bad happens, you have this money. But

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Speaker 1: because you have a year's worth of emergency savings, essentially

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Speaker 1: you have your emergency saving. Just wanted to put that

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Speaker 1: out there because you also have to remember that oftentimes

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Speaker 1: there are variable interest rates, which means the interest you know,

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Speaker 1: the percentage that you pay on what you borrow, can

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Speaker 1: go up and down. And then you know, and here's

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Speaker 1: the thing. Sometimes there's closing costs and fees. So it's

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Speaker 1: not just like you know a.

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Speaker 3: Lot of time there are I mean, it's just like

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Speaker 3: when I saw I got a quote from a lender,

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Speaker 3: and when I saw that, I was like, oh, this

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Speaker 3: is this really is another mortgage, like the same stuff

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Speaker 3: points and closing and origination costs, and yeah, it felt

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Speaker 3: like that, and I'm like, oh, this is not just

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Speaker 3: a casual little.

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Speaker 2: Yes, it's not something.

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Speaker 1: So it's really if here's what I would say, like,

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Speaker 1: you know, something to consider. If you're like, you know what,

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Speaker 1: we bought this house, it's probably worth significantly more.

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Speaker 2: I am a little bit worried about the job market,

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Speaker 2: you know what.

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Speaker 1: Let me have this kind of like and I can

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Speaker 1: trust myself not to just use it. Let me have

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Speaker 1: this like money, this credit set aside that if something

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Speaker 1: happens in the next couple of years, we'll have some

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Speaker 1: money to kind of see ourselves through or if you're

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Speaker 1: someone who because there's some like even tax benefits. If

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Speaker 1: you're like, yo, we want to like renovate, they have

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Speaker 1: to make it even better depending how you use your

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Speaker 1: your your he lock. The interest may be deductible if

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Speaker 1: you use it to buy, build, or sustainably improve your home.

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Speaker 1: And it requires a loan, so there might be some

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Speaker 1: some tax benefits there too.

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Speaker 2: Just something to think about. There's no right or wrong,

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Speaker 2: just information to make the right choice for you.

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Speaker 3: Yeah, I got a quote from a lender. It's better

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Speaker 3: dot com. It's an online lender. It's just one of

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Speaker 3: the easiest ones to get a nice little quote from

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Speaker 3: if you're just curious what you might qualify for it

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Speaker 3: so soft credit check. So I recommend playing around. But

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Speaker 3: then you got to remember they're going to call you

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Speaker 3: up every five minutes after you put in that. Okay,

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Speaker 3: so put the there's a there's a special setting on

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Speaker 3: your phone. Unrecognized numbers get sent to voicemail just preparing you.

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Speaker 3: Sorry to Jonathan for you're doing a great job, but

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Speaker 3: I don't want to talk yet. The rate that I

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Speaker 3: was quoted was eight point eight seventy five percent. Well,

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Speaker 3: that's one like market rates are in these days, is it?

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Speaker 2: I thought mortgage? Wait, they're not under seven percent?

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Speaker 3: Yeah, I don't know. I wonder like what the differences

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Speaker 3: between like what tends to be the difference between like

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Speaker 3: a traditional like but they're both thirty year mortgages. But

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Speaker 3: again that's based on my un my husband and my's

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Speaker 3: unique financial situation. Are credit scores all of that. So

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Speaker 3: I'm just sharing what my information is. And I haven't

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Speaker 3: yet gotten a second quote, So Jonathan, chill out, okay,

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Speaker 3: because I'm not.

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Speaker 2: It's its average luck rates between eight and ten percent.

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Speaker 3: Yeah, yeah, and it also matters how much you're borrowing.

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Speaker 3: And this is just based on I think what does

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Speaker 3: it say? Sixty five thousand dollars would be the line

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Speaker 3: of credit. So that's based on that amount. And you can,

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Speaker 3: just like a traditional mortgage, you can choose is it

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Speaker 3: thirty year, fifteen whatever? Is it adjustable rate? Is it

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Speaker 3: fixed rate? This is a fixed sorry, this is an

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Speaker 3: adjustable rate. And the hope, I mean my hope would be, uh,

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Speaker 3: you know, as the Fed continues lowering rates, which they're

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Speaker 3: trending in that direction, that maybe the rate wouldn't be

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Speaker 3: going up, but I don't know that's the rate right now.

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Speaker 1: On average, at least in the state of New Jersey

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Speaker 1: is like seven point three percent for thirty and six

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Speaker 1: point three four fifteen.

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Speaker 2: So slightly higher.

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Speaker 1: Yeah, but I mean, you know yourself, if you're like yo,

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Speaker 1: I'm in this position, you're a nurse chod or you

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Speaker 1: are never going to be un a bluid. But maybe

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Speaker 1: you're in a position where during the last procession or

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Speaker 1: downturn you were let go and you know you have

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Speaker 1: you know, a job that kind of tends to do

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Speaker 1: that or a career that tends to do that. You

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Speaker 1: might want to say, you know what, let's prepare ahead

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Speaker 1: of time. So that was a really great question.

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Speaker 3: Helock, excellent. Just compare your rates, y'all, shop around. Keep

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Speaker 3: Jonathan at bay All right, next question.

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Speaker 2: We gotta take a quick break.

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Speaker 3: Oh yeah, I got excited. Yeah, quick break.

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Speaker 1: And we're back. So what is our next question? Because

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Speaker 1: you said it was in the DMS, right.

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Speaker 3: Oh no, oh, no, I made it up. That's right.

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Speaker 3: So oh, this is a great time to plug the

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Speaker 3: brand Ambition listener survey. Y'all, please go to the show notes.

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Speaker 3: It's going to be a link to our survey there,

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Speaker 3: or you can go to brand Ambition podcast dot com.

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Speaker 3: At the very top of the page is a blue,

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Speaker 3: bluish greenish banner that says, twenty twenty four listener survey.

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Speaker 3: We haven't done one in a hot minute. I love

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Speaker 3: doing surveys because y'all leave such thoughtful feedback. And anyway,

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Speaker 3: based on that initial survey results hot off the presses,

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Speaker 3: we have about one hundred and fifty responses so far,

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Speaker 3: and I wasn't surprised, but I was like, Okay, we're

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Speaker 3: going to continue talking about this topic. A large percentage

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Speaker 3: of our audience is struggling with credit card debt and

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Speaker 3: housing costs, So paying down debt. Out of the seven

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Speaker 3: different sources of financial stress that we have here, housing costs, childcare, food, transportation,

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Speaker 3: paying down debt was number one, with sixty four percent

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Speaker 3: of listeners saying that was their biggest source of financial stress,

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Speaker 3: and which was way more than any other topic. Housing

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Speaker 3: costs was a distant second with forty five percent. So

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Speaker 3: because of that, and because we're heading into the holiday season,

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Speaker 3: because Tiffany and gonna be here for November, we have

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Speaker 3: to get her now right, we have to do a

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Speaker 3: little talk about holiday spending when you are also navigating

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Speaker 3: debt and I want some real tea real advice for listeners,

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Speaker 3: because I know y'all are probably feeling like I am,

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Speaker 3: like I still got to get these legos. So what

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Speaker 3: do we do?

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Speaker 1: Well, here's some of the things that I recommend is that, like, literally,

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Speaker 1: it sounds like silly, but you really do have to

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Speaker 1: make a list, like making a list, chegging it twice,

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Speaker 1: gonna find out if you know or not anyway, so truthfully,

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Speaker 1: like if you know, okay, I'm gonna buy presents, irregardless.

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Speaker 2: I know that's not a real word, but we're black.

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Speaker 2: Why is it? My present is re god list?

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Speaker 1: So then I want you to do it within parameters.

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Speaker 1: I want you to say, Okay, I am willing to

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Speaker 1: spend five hundred, six hundred one thousand whatever that is.

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Speaker 1: That is within the parameters of although I have dead

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Speaker 1: you know, I'm willing to do this.

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Speaker 2: And one of the best.

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Speaker 1: Ways to stay within those parameters, quite honestly, is to

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Speaker 1: not go.

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Speaker 2: To the store. The store is.

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Speaker 1: Lack because when you go to the store, you're like, oh, oh, oh.

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Speaker 3: Oh, I don't want to be targeted home goods.

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Speaker 2: A child don't.

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Speaker 1: So instead, what you're gonna do is go sit your

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Speaker 1: happy behind down in front of the computer.

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Speaker 2: Dora.

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Speaker 1: That's a computer for those of you who don't seakpa

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Speaker 1: like me and Mandy. All Right, So you're gonna see

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Speaker 1: in front of your computer, and you're going to, like,

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Speaker 1: you know, you're gonna like, you know, Auntie such and such, uncle,

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Speaker 1: this person, whatever it is, and you're going to like

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Speaker 1: create your list of what you're going to purchase and

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Speaker 1: how much it costs, you know, so that way you

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Speaker 1: can do your budget and your list off the same

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Speaker 1: time at the in the safety of your home, and

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Speaker 1: you're going to sign up for things like I love

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Speaker 1: It's not ebaits anymore racketin because racketon lets you get

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Speaker 1: cash back and they'll find coupons. Honey has like a

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Speaker 1: it'll allow you to see Honey racketing Honey. And there's

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Speaker 1: a third one, Capital One has one too. These are

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Speaker 1: pop ups that pop up on your screen when you

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Speaker 1: get to the payment page and says, hey, we found

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Speaker 1: coupons for you. So these are like coupon finders. And

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Speaker 1: when I tell you, I would say a good fifty

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Speaker 1: to sixty percent of the time. Well, maybe I'm fifty

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Speaker 1: to six per thirty to forty percent of the time,

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Speaker 1: Like I will find a coupon. I just brought some

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Speaker 1: jeans last night and it said, hey, you found a coupon.

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Speaker 1: I said, okay, I pressed it. Fifty percent off coupon.

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Speaker 1: I couldn't believe it that I didn't know of. And

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Speaker 1: so this will allow you.

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Speaker 3: Yeah kind of luck.

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Speaker 2: Yeah, so it's because I use all three.

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Speaker 3: This cone has been expired.

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Speaker 1: Well, that's because I use all of them. Like I'm like,

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Speaker 1: I have no loyalty. I use racketin, I use whatever

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Speaker 1: the capital one is, and I use use honey.

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Speaker 2: So between the three of them, at least something.

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Speaker 1: It might only be a dialog off or free shipping

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Speaker 1: or whatever, but something like thirty to forty percent of

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Speaker 1: the time will pop up.

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Speaker 2: And so if you do that, it'll allow you to.

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Speaker 1: Say, Okay, I have outlined everything I'm buying for everyone.

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Speaker 1: I know exactly what you know what I'm getting. Here

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Speaker 1: are my discount and code, this is my budget. Boom,

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Speaker 1: I'm done, you know. So that is one of the

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Speaker 1: best ways that you can manage your holiday spending. Even

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Speaker 1: if you're like I probably shouldn't buy this stuff, but

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Speaker 1: quite honestly, I'm doing it anyway. Something else to think

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Speaker 1: about is that, like you can collectively decide with your

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Speaker 1: family to do something different this year, so you can like,

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Speaker 1: so my sisters and I started this some years back.

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Speaker 1: I want to say, it probably has been over ten

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Speaker 1: years now where we don't actually get each other because

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Speaker 1: there's five of us, so that's too many gifts. So

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Speaker 1: instead on Thanksgiving we pull a name what we use

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Speaker 1: this thing called ooh, it's like secret Santa dot com

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Speaker 1: or something like that.

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Speaker 3: It's free umber you yeah, talking about it, yes, And so.

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Speaker 1: We just go on and we use the same one

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Speaker 1: every year. Or Elfster I think that's what. Actually that's

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Speaker 1: what I think. It's called elf Ster like elf but

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Speaker 1: stir and so we go in and then it will

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Speaker 1: everybody puts in their name and like kind of like

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Speaker 1: the gifts they want, and then we collectively decide as sisters,

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Speaker 1: so as your family, what is the budget. So when

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Speaker 1: things were tough, fifty bucks, when things are better, two

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Speaker 1: hundred bucks, and so we'll decide this year what the

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Speaker 1: budget is, and then we'll press like Elvester will email

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Speaker 1: you secretly be like your person is.

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Speaker 2: Tracy, you know, and then it'll list all the things.

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Speaker 1: And what's so great is that if you use the

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Speaker 1: same one, like we use Elvester every year, it will

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Speaker 1: say you had Tracy last year, So they will purposely

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Speaker 1: not give you.

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Speaker 2: The person for the year before, which is kind of nice,

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Speaker 2: you know.

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Speaker 1: And then you're just like all right, and then we

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Speaker 1: all know the budget. You know, I get my one

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Speaker 1: person the thing and that's it. So that helps a

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Speaker 1: lot too. You might say, we're actually not going to

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Speaker 1: exchange gifts this year. How about everybody just brings bring

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Speaker 1: their best dish that they make, and then we have

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Speaker 1: like a holiday pot luck. So having the conversation ahead

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Speaker 1: of time Thanksgiving is a great time because the family's

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Speaker 1: all there could kind of decide how we're going to handle.

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Speaker 2: Gift giving this year. That's really really helpful, you know.

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Speaker 1: And to do that, but also too lean into your

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Speaker 1: faves like social media. Typically your favorite brands are going

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Speaker 1: to give away things or codes or whatever on social media, Twitter,

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Speaker 1: whatever that they actually don't have on their site.

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Speaker 2: And so there are certain brands that I like to follow.

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Speaker 1: And I'm like, wait, they have twenty percent off, they

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Speaker 1: have thirty percent off textless.

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Speaker 2: Yeah, oh yeah that textless is everything. Now.

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Speaker 1: The key though, is is that you don't want to overspend.

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Speaker 1: That's why you want to have your list first. If

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Speaker 1: you're like, oh, I'm going to get my sister these

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Speaker 1: gap jeans, I'm going to get my brother, you know,

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Speaker 1: this flute from whatever, I'm going to get whatever that is.

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Speaker 1: It's like you want to get on the test list

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Speaker 1: from the things that you actually want to purchase for

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Speaker 1: people and not and and have your budget ahead of

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Speaker 1: time so you're not overspending unnecessary Seven.

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Speaker 3: Well, can I share a tip, especially when you have

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Speaker 3: a little kid. A huge hit for my family last

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Speaker 3: year and then I'm gonna have Rio du again this year,

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Speaker 3: is you can buy like a big bin of Legos

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Speaker 3: for like thirty bucks, like five hundred Legos or whatever,

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Speaker 3: and it comes with a little booklet of these most

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Speaker 3: adorable little like figurines that you can build. And they

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Speaker 3: don't take that much time. They're like for ages three

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Speaker 3: and up or whatever. And Rio made the cutest little

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Speaker 3: Lego characters for everybody in the family, and we wrapped

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Speaker 3: him up and he wrote and tears people just oh

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Speaker 3: my god. Real Mamsmiley Face and Real Mania Rainbow Heart.

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Speaker 3: Oh they loved it. So that was a really great

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Speaker 3: way because I want Rio to like learn the power

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Speaker 3: of gift giving because he's a great little griplin. So

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Speaker 3: handmade gifts from the kiddos, you can get away with

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Speaker 3: that when you got the cuties.

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Speaker 2: Okay, it's true. It's true.

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Speaker 1: And then also too, like like thinking about gifts in

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Speaker 1: different ways, like you know, I mean it sounds kind

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Speaker 1: of corny, but cha, I bet you many would love

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Speaker 1: a gift. It was like, you get ten free babysittings

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Speaker 1: this year. It's like, girl, holy done.

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Speaker 3: My god, that's a thousand dollars present. I mean ten

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Speaker 3: times one hundred dollars. I mean, you know, so no

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Speaker 3: one told about the babysitter tax have a happy marriage.

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Speaker 2: And so that's the thing.

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Speaker 1: So imagine, like with the people that you really really

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Speaker 1: care about, is there service you can give instead of presents?

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Speaker 1: You know, like, oh I can babysit, I could walk

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Speaker 1: the dog, I can come over and do dishes, I

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Speaker 1: can make dinner, you know, so consider doing that. But

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Speaker 1: having the key with all things when it comes to

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Speaker 1: money is having the conversation ahead of time and not

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Speaker 1: just doing the thing, you know, so that way people

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Speaker 1: understand like, hey, this year, I want to try something different.

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Speaker 1: How would you feel, everybody, family if I gave service

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Speaker 1: this year? Oh I love that okay? Or like you know,

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Speaker 1: like even when I go all my my girlfriends for

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Speaker 1: like dinner, I'm like, all right, So how are we

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Speaker 1: doing it?

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Speaker 2: Are we splitting evenly?

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Speaker 1: Do we have like a certain like stay under you know,

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Speaker 1: the you know, the threshold having pre conversations about anything money,

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Speaker 1: but especially about the holidays. It's really going to save

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Speaker 1: you from a lot of frustration and heartache and heartbreak.

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Speaker 1: Like Jenelle and I used to like say no gifts

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Speaker 1: then instead we were just gonna go and go somewhere,

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Speaker 1: you know, So that way it'd be like, Okay, no gifts.

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Speaker 1: Or if you are going to like, you know, slip

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Speaker 1: up because you want to do something sweet, keep it

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Speaker 1: under twenty five bucks or whatever, and then we would

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Speaker 1: put the money in our travel account and then we

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Speaker 1: would just have the best time.

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Speaker 2: So things to consider.

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Speaker 1: I was just sharing with our producer Tanya and Mandy

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Speaker 1: that I just found out that if you are a

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00:19:31,160 --> 00:19:34,119
Speaker 1: Bonvoid member, which is free to join Bonvoid, is the

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00:19:34,240 --> 00:19:36,919
Speaker 1: reward program from Marriott. So Marriotte owns a bunch of

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Speaker 1: not just the regular marriout that own a bunch of

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00:19:39,320 --> 00:19:43,359
Speaker 1: different hotels and properties. So you can sign up even

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00:19:43,400 --> 00:19:45,440
Speaker 1: if you never even stayed at the Marriotte. But if

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00:19:45,440 --> 00:19:48,320
Speaker 1: you use Uber uber eats and you connect your free

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00:19:48,359 --> 00:19:51,719
Speaker 1: Bonvoi membership to your Uber uber eats, do you know

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00:19:51,760 --> 00:19:56,800
Speaker 1: you can earn like a night stays, so.

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Speaker 2: You could earn points.

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Speaker 1: So one of the ways too, if you're so like me,

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Speaker 1: I get so many points that that also might be

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Speaker 1: a gift too. Like my sister is going to Nigeria

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Speaker 1: this year and I was like my gift to her

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Speaker 1: is I was like, I had so many points, we

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Speaker 1: were able to find a really cheap flight.

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Speaker 2: We use points.

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Speaker 1: I have American Express on my business and so we

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Speaker 1: were able to use this website called points do me

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00:20:18,760 --> 00:20:22,879
Speaker 1: that is basically an algorithm for American Express points, and

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00:20:22,920 --> 00:20:27,280
Speaker 1: it said, for you to go from New York to Nigeria,

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Speaker 1: here is the best flight where normally it would cost

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Speaker 1: you on America Express dot com two hundred and fifty

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Speaker 1: thousand points, but here's sixty thousand points. If you fly

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Speaker 1: your France out of this area and so I was

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Speaker 1: able to gift.

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Speaker 2: So if you're someone who also has points, that's a

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Speaker 2: great gift too.

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Speaker 1: You know, we talked about points before, but you can

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Speaker 1: literally give people travel with your points if you're someone

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Speaker 1: who collects a lot of points too. So just some

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Speaker 1: ways to think about the highday season in ways that

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00:20:51,680 --> 00:20:54,080
Speaker 1: don't have to be so stressful, and you don't have

436
00:20:54,119 --> 00:20:55,280
Speaker 1: to be you know, you don't have to say I'm

437
00:20:55,280 --> 00:20:57,240
Speaker 1: not doing anything. It's like no, you could just say

438
00:20:57,280 --> 00:20:58,920
Speaker 1: I'm going to host a holiday party. And that's my

439
00:20:59,000 --> 00:20:59,639
Speaker 1: gift to y'all.

440
00:21:00,080 --> 00:21:02,960
Speaker 3: Have the conversation, let your dad take you on an

441
00:21:02,960 --> 00:21:07,560
Speaker 3: eight hour fishing trip. They'll be set.

442
00:21:07,640 --> 00:21:08,400
Speaker 2: You'll be set for the.

443
00:21:08,359 --> 00:21:12,159
Speaker 3: Next year at least. All RBA fan thanks for listening

444
00:21:12,160 --> 00:21:15,800
Speaker 3: to the b a QA. We'll see you next time.

445
00:21:15,920 --> 00:21:17,920
Speaker 2: Bye bye,