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Speaker 1: A fresh show. It's Kiki's court.

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Speaker 2: And by the way, Maureen texted, I've had access to

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Speaker 2: the text now for like a week really since they

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Speaker 2: locked me out of it, which is probably unperfect. They've

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Speaker 2: tried several times, and I always find to work around.

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Speaker 1: Haven't they asked you?

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Speaker 2: They've asked you, actually, Jason, to remove my access, right,

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Speaker 2: uh huh, Well, because most of it's helpful, so I

9
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Speaker 2: need to see it. But every now and again I

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Speaker 2: read something and I'm like, guys, you are missing the point.

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Speaker 2: And I feel like if you work anywhere and you

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Speaker 2: get customer feedback, you can relate to this.

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Speaker 1: It's like you're missing the point. It's no one.

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Speaker 2: This isn't mean spirited guys, Kiki, Judge, Keiki, take it

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Speaker 2: away please, And I hope this isn't mean.

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Speaker 1: Whatever it is.

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Speaker 2: You know, and my own means if your opinion is not,

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Speaker 2: don't you share your opinion either.

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Speaker 3: Now I can't. I can't make promises, you know how,

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Speaker 3: I get down?

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Speaker 1: All right, write a letter to the boss.

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Speaker 3: I don't care to say.

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Speaker 2: All right, that's so how I feel too. But sometimes

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Speaker 2: it's just deflating. It's just deflating because I'm like that's.

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Speaker 1: What you heard.

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Speaker 3: Yes, what you heard, and that's what I say.

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Speaker 1: Take it away, all.

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Speaker 3: Right, let's get into the courtroom. It says heiki ki

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Speaker 3: am I wrong for blocking my sister after she embarrassed

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Speaker 3: me at the car dealership. My name is Tony and

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Speaker 3: I recently got into a bad car accident that left

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Speaker 3: me without a car for a few months. After recovering

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Speaker 3: and working overtime at my job, I finally saved up

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Speaker 3: enough money for a down payment on a new car.

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Speaker 3: During my time without a car, my sister was nice

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Speaker 3: enough to drive me back and forth to work, so

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Speaker 3: she was relieved when I asked her to take me

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Speaker 3: to the dealership to finally get a new ride. She

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Speaker 3: helped me pick a car. She joined me for the

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Speaker 3: test drive, and she waited with me while we worked

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Speaker 3: out the numbers. It was going so well into the

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Speaker 3: finance guy told me that I needed a co signer. Hmm.

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Speaker 3: I immediately looked at my sister because I'd do it

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Speaker 3: for her with no question. However, she quickly said and

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Speaker 3: refused to have any part of the deal. She put

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Speaker 3: me in a really bad spot and left me at

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Speaker 3: the dealership with no car. Made me leave the dealership

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Speaker 3: with no car, and I haven't spoken to her since,

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Speaker 3: and I have no plans to am I wrong.

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Speaker 2: People are my take on this? Hang on tight Texters,

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Speaker 2: here we come, Kicky, You and I are often aligned

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Speaker 2: on these things.

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Speaker 1: So Judge Kicky would say you we.

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Speaker 3: Are the bullies, And unfortunately I don't want to bully you, Tony,

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Speaker 3: but I wouldn't have signed for you either. Bro, I'm sorry.

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Speaker 3: I mean she, your sister has done a lot. She's

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Speaker 3: been driving you around since you've had your accident. She's

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Speaker 3: set at the dealership with you. We know how long

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Speaker 3: that can take. And if you need a co signer,

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Speaker 3: what have you done to your credit that maybe you

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Speaker 3: know she doesn't want to put herself in risk or

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Speaker 3: in harm's way of having the same issue. I don't

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Speaker 3: think you can ever get wrong at someone for refusing

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Speaker 3: to be your car.

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Speaker 1: There are a lot of variables here, right.

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Speaker 2: I mean, you know you want to help somebody, especially family,

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Speaker 2: get on their feet, and maybe maybe it's worth it

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Speaker 2: to you to help them get transportation, because then that

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Speaker 2: takes the burden off of you as well. But my

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Speaker 2: question would be, is there no automnobile out there that

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Speaker 2: you can buy without a co signer, like, are you in?

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Speaker 2: Because if that's true to your point, if there's no

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Speaker 2: automobile on the planet that anyone will sell you without

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Speaker 2: a co signer, then we got to work on some

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Speaker 2: other things in our life, right. And I realize people

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Speaker 2: come acroon on hard times or whatever, but you're asking

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Speaker 2: me to now attach myself to that situation, and that

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Speaker 2: is unfair, right, Like, I mean, if your credit is

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Speaker 2: so bad that and again, maybe this person's trying to

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Speaker 2: buy a car they can't afford, in which case you

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Speaker 2: don't need me to co sign because you probably shouldn't

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Speaker 2: be buying this car. Is there any other option? Because

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Speaker 2: when it comes to me attaching myself to your tenuous

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Speaker 2: financial situation, I think that might be too much to ask,

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Speaker 2: even for family.

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Speaker 1: It's not really fair.

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Speaker 3: I agree with you one hundred percent on this one.

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Speaker 3: I mean, and I know how it can feel when

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Speaker 3: you're at a dealership and you pick out the car

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Speaker 3: and you take it on the drive and you start

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Speaker 3: loving everything about it. You got the new car, smell

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Speaker 3: the seats, feel good. You're excited, and then you go

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Speaker 3: back and work those numbers and they come back like, oh,

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Speaker 3: we need a co signer. I know you felt away

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Speaker 3: when that happened, but you can't just now think that

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Speaker 3: that's your sister's responsibility to now be your co signer.

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Speaker 3: Like she's your sister, she doesn't have to do that.

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Speaker 2: I would love to know what kind of car it

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Speaker 2: was too, Like are you trying to go buy a

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Speaker 2: BMW or something? And because not everybody can, most people

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Speaker 2: can't afford you know whatever, You know what I mean,

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Speaker 2: It's like, are you going for a specific thing, because

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Speaker 2: at this point it sounds like anything would do. Any

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Speaker 2: reliable mode of transportation is what you need right now,

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Speaker 2: right But asking people when it comes to money, you know,

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Speaker 2: that's not an easy ask because some people have worked

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Speaker 2: very hard to put themselves in a good financial position

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Speaker 2: and they don't necessarily need you to mess that up

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Speaker 2: for them.

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Speaker 1: And that tends to happen.

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Speaker 3: All the time, all of the time.

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Speaker 2: You guys are the jury to eight five five five

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Speaker 2: three five? What do you guys think?

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Speaker 3: I'm a sucker?

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Speaker 4: So I probably would get pulled into this knowing me,

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Speaker 4: But I also don't know if I'm the one that'll

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Speaker 4: be asked to be.

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Speaker 3: To be honest, I don't like your house needs a

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Speaker 3: coach A three, I'm a co signer. I'm like, oh no,

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Speaker 3: but I do agree.

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Speaker 4: I just feel like, you know, when I get my

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Speaker 4: stuff together, which will be soon, I'm not co siting

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Speaker 4: nothing for nobody, because I, like you said, work too

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Speaker 4: hard to either repair my credit or just you know,

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Speaker 4: get it up there.

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Speaker 3: Like my mom is such an angel and she I

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Speaker 3: know she would do it.

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Speaker 4: However, I don't ever want to do it to anybody

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Speaker 4: else just because I feel and I use my mom's

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Speaker 4: an example because I know she's like the first person

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Speaker 4: that would do what I recall, But I just also

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Speaker 4: would feel bad because if I'm laid on payments and

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Speaker 4: all that, it affects her. And that's the last thing

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Speaker 4: I want to do is ruin somebody else's future and

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Speaker 4: credit and all of that.

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Speaker 5: Now.

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Speaker 4: I know, like as a mother, if my daughter was

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Speaker 4: to ask me, and I probably left the co sign

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Speaker 4: like college loans or something, I'm sure you'll see my

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Speaker 4: name on there in eighteen years that I'll do, Like

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Speaker 4: I'll know if she can't pay it, like Mama's got her,

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Speaker 4: her dad, we got her.

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Speaker 3: But that's it, like just my child, that is all.

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Speaker 2: No sibling nothing, Yeah, And someone said, well, what if

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Speaker 2: it's lack of credit history? You know, maybe, But then

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Speaker 2: someone else commented, well, how quickly considering how quick this

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Speaker 2: is a text, Considering how quickly Tony was willing to

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Speaker 2: write her sister off for saying no one time after

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Speaker 2: all that help, you can kind of guess how much

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Speaker 2: responsibility and accountability that this person is willing to take.

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Speaker 2: I would say no as well.

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Speaker 3: That's a good point, you can. She's been driving you around,

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Speaker 3: being your uber all this time that you didn't have

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Speaker 3: a car, and then the one time she says no,

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Speaker 3: it's like, oh, well, I don't I don't even want

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Speaker 3: to talk to you anymore.

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Speaker 2: And then someone else suggested on the text, maybe the

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Speaker 2: ask is for a loan, but that this also doesn't

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Speaker 2: sound like a person I would want a loan money

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Speaker 2: to to be honest.

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Speaker 3: Right, And you know how I feel about family with loans.

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Speaker 3: I'd rather just give you.

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Speaker 2: Yeah, that's how I feel the same way. If the

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Speaker 2: only way that I'm in a position to give a

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Speaker 2: friend or family alone is if I can see it

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Speaker 2: as as never seeing it is, if I can accept

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Speaker 2: giving it to you and never getting it back, because

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Speaker 2: I'm not willing to lose a friendship or a family

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Speaker 2: member over money. So if you ask me for money,

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Speaker 2: I need to be in a position to essentially gift

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Speaker 2: it to you.

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Speaker 3: Oh yeah, because people will. People will take a loan

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Speaker 3: and then act completely normal when it's past the payback deadline,

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Speaker 3: Like they keep going on and I'm like, oh, I

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Speaker 3: can think about is the money I gave you.

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Speaker 2: And then you get into stuff like you loan somebody

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Speaker 2: money and they're supposed to pay you back, and then

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Speaker 2: all of a sudden they pull up in the BMW

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Speaker 2: and you're like that, wait a minute, you needn't have

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Speaker 2: any money, and now you got this nice car, but

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Speaker 2: like you still owe me money at the state cause

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Speaker 2: and then you start to free, start to go, and

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Speaker 2: then you look at a nice vacation.

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Speaker 1: Right right vacation.

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Speaker 3: When I loan you money, I want you to eat

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Speaker 3: rhymen noodles out the pad until I get my money back.

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Speaker 1: I don't want to see you say you owe me.

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Speaker 1: Why are you spending more money?

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Speaker 2: Yes? Yeah, I mean I know it just sounds it

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Speaker 2: sounds harsh, But maybe maybe this also might be a

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Speaker 2: blessing for this person too. Maybe this person should not

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Speaker 2: be buying. Clearly, it can't buy the car, right, so

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Speaker 2: I probably don't need it. There's probably something about this

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Speaker 2: that doesn't need to happen that could be even more

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Speaker 2: problematic in the future.

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Speaker 1: Hey, Emily, good.

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Speaker 5: Morning, Wait, good morning?

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Speaker 6: Hi?

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Speaker 1: Take you score? What say you so?

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Speaker 5: I mean, first of all, it's like I think he

201
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Speaker 5: left out a lot of details, and probably you know,

202
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Speaker 5: for the reason of we would all be even more

203
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Speaker 5: against him. But too, she doesn't owe him anything. It's

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Speaker 5: a huge ask, and to block her immediately is also

205
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Speaker 5: just an immature response. Why didn't he I don't remember.

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Speaker 5: They'll hear she who wrote in like, why didn't they

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Speaker 5: try to have a Yeah, why didn't they at least

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Speaker 5: like try to have a conversation like, oh, why do

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Speaker 5: you feel uncomfortable being my co signer? Or like, you know,

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Speaker 5: because maybe that'll also give him an insight into why

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Speaker 5: others wouldn't want to co sign or what he could

212
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Speaker 5: do to get a co signer. I don't know. It

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Speaker 5: seems like he has unrealistic guests.

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Speaker 2: Well, and Emily, I agree with the texture and with

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Speaker 2: you that that movement itself says a lot. Also, I've

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Speaker 2: done all this for you. I won't co sign. I

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Speaker 2: want to attach myself to a loan and you know,

218
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Speaker 2: for a significant amount of money for you, So you

219
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Speaker 2: just block me. So the second that I don't do

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Speaker 2: what you need me to do, then you eliminate me,

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Speaker 2: even though this comes at risk to me, So you

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Speaker 2: don't actually care about me at all.

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Speaker 3: Right, all right, what I can do for you exactly.

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Speaker 2: And the second I don't do it, then I and

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Speaker 2: then I'm out. We all know people like that, the

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Speaker 2: second that you're not serving them, then they don't want

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Speaker 2: you in their life anymore. The only way it works

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Speaker 2: is if you serve them. And it's like, nuh no,

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Speaker 2: we don't need people like that.

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Speaker 5: She's not thinking about the liability for his sister. Also,

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Speaker 5: like what if she's trying to you know, like buy

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Speaker 5: a condo or you know, do a big purchase for herself,

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Speaker 5: where like my advice when I was looking at condos

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Speaker 5: was don't co sign anything, you know, don't do like,

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Speaker 5: don't sign for anyone, so like you know, she could

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Speaker 5: have her own like things she's trying to get in

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Speaker 5: her life that I mean obviously, like you guys just said,

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Speaker 5: like it's about him, not her, and that's unfortunate.

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Speaker 2: Yeah, thank you, Emily, have a good day, yeah too.

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Speaker 2: And look, I know that not everybody's in a position

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Speaker 2: to have great credit, and times are tough and people

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Speaker 2: aren't making enough money to ends meet. I'm not talking

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Speaker 2: about that, but I am talking about it. It can

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Speaker 2: and does take a lot of sacrifice to put yourself

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Speaker 2: in a good financial situation. Oftentimes even people that don't

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Speaker 2: have a whole lot are able to do it, but

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Speaker 2: they're having to sacrifice.

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Speaker 5: Right.

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Speaker 2: So then for me to just willing nearly coston on

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Speaker 2: somebody who may not have those same values, then.

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Speaker 1: That puts all that at risk.

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Speaker 2: Yes, So I don't think I have to do that

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Speaker 2: for you, especially if we don't share the same financial

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Speaker 2: literacy values or financial awareness, the same values in that regard,

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Speaker 2: because not everybody. I feel like it's some people will say, well,

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Speaker 2: you know, if you're in a good financial position, it's

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Speaker 2: because you're rich, or because you had this or that.

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Speaker 1: That's not entirely true.

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Speaker 2: There are people who don't have a ton of money

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Speaker 2: who also don't have a ton of debt because they

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Speaker 2: live within their means. Right, And again, I'm not talking

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Speaker 2: about extenuating circumstances. I'm not talking about student loans or

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Speaker 2: medical debt or they're things that you just simply have

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Speaker 2: to spend on, so I don't necessarily need to go

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Speaker 2: screw it up.

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Speaker 1: To you. And then the second I say no, you

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Speaker 1: block me.

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Speaker 2: Come on, Tony, come on, hey, Gabby, Hi, Hi.

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Speaker 1: Gabby, good morning. What do you think?

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Speaker 7: Okay? I agree with both of you, guys. I do

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Speaker 7: think that it is valid that Tony asked her sister

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Speaker 7: to be her co signer. But Tony's sister, I'm sure

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Speaker 7: is just like used to like kind of like giving

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Speaker 7: in and doing things that she needs for her but

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Speaker 7: she also has to set her own boundaries at some point,

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Speaker 7: you know.

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Speaker 1: Yeah.

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Speaker 2: Yeah, And when it comes to money, I don't. I

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Speaker 2: don't necessarily have to have to do that for you. No,

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Speaker 2: it's a very serious topic and it could affect me

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Speaker 2: for the rest of my life. It could affect my

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Speaker 2: ability to go get a house, in a car or whatever.

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Speaker 1: And I think you, at some point you have to

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Speaker 1: protect yourself.

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Speaker 7: Yeah. I feel like it shows more about Tony's character

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Speaker 7: that she went right ahead and blocked her sister.

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Speaker 2: Yeah, I agree. Thank you, Gabby, Thanks for listening. Have

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Speaker 2: a good day, you too, glad you called. Hey Jessica,

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Speaker 2: good morning.

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Speaker 1: Welcome, good morning.

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Speaker 3: How are you doing page?

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Speaker 2: Yes, okay, So Keikey's court basically, it's a it's a

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Speaker 2: brother's sister situation, and the sister wants I'm.

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Speaker 3: Trying to get because Tony Tony is the brother.

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Speaker 2: So Tony is being asked to don't I don't want

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Speaker 2: to donate on a car, as his sister is asking hisself, Okay,

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Speaker 2: I'm trying to get this right, yeah, And the sister

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Speaker 2: says no, and so Tony's pissed. But it's like, wait

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Speaker 2: a minute, you know, is that is that an obligation

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Speaker 2: if you if you're not able to get something financially

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Speaker 2: and you need someone else to be involved with that,

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Speaker 2: does it have to be me?

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Speaker 6: No, that's not even from talked about him. He's completely wrong.

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Speaker 6: That's not her obligation. He already from the accident, he's

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Speaker 6: already financially irresponsible. Because did you have insurance to even

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Speaker 6: cover some of the money to get you into a

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Speaker 6: new car?

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Speaker 3: Oh, that's a good question.

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Speaker 6: Yeah, and then on top of that, you have to

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Speaker 6: work all these hours work, work, work to have a

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Speaker 6: down payment. So you don't have anything saved in a bank.

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Speaker 6: Come on now, so now, yeah yeah, Now you want

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Speaker 6: me to hatch my name, my resources to you when

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Speaker 6: you already prove that you cannot, you know, you can't

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Speaker 6: take care of your business. Yeah, so, and then to

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Speaker 6: block her when she's already you know, stepped up and

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Speaker 6: helped him out at a time.

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Speaker 2: But me so no, And let's also take any consideration.

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Speaker 2: Let's just assume that this is a good Obviously, this

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Speaker 2: is a good sibling, because he's been helping this person out,

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Speaker 2: you know, in a lot of other ways. And so

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Speaker 2: this person must feel that she he or she cannot

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Speaker 2: do this because you know what I mean, Because it's

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Speaker 2: not like we're talking about a selfish human being which

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Speaker 2: just doesn't want to Like, there's contracts here that we

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Speaker 2: don't know. So she obviously is uncomfortable with this notion

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Speaker 2: for some reason. So what don't we know here? And

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Speaker 2: it has offered a lot of other solutions, So I

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Speaker 2: don't like it. I wouldn't do it either. Thank you

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Speaker 2: so much, have a good day.

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Speaker 3: Thank you you too.

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Speaker 1: Glad you called Jessica. Hey, Dahlia, Dalia.

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Speaker 3: Girl, you all right, I'm sorry, what are.

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Speaker 1: We doing with the phone? Yeah, are you okay? Okay?

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Speaker 1: You work in a car dealership, so you know something

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Speaker 1: about this.

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Speaker 8: Yes, I do a little bit. I work in the office,

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Speaker 8: so I work a little bit with like people trying

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Speaker 8: to sell their cars, and a lot of the time

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Speaker 8: they aren't able to because they're coal shiner. They're the

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Speaker 8: co signer in the.

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Speaker 5: Person who was trying to sell the car.

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Speaker 8: They never made the payments or something, or they're late,

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Speaker 8: so just messes up what they're whatever. They own the car.

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Speaker 2: So basically you're saying this, this could potentially become a

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Speaker 2: big problem for the unassuming co signer who's simply there

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Speaker 2: just to help you.

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Speaker 1: Get the money.

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Speaker 2: Oh yeah, definitely, Yeah, can be doing this stuff all right, Delia,

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Speaker 2: back to juggle on your phone.

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Speaker 8: Have a good day.

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Speaker 3: Bye, glad you get Oh no, you and you know

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Speaker 3: your siblings like you know you, We all love exactly

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Speaker 3: And I know I know which sibling is loan money too,

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Speaker 3: and I know which one absolutely not, and I love

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Speaker 3: them both the same