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Speaker 1: Hey, guys, I'm Kaylie Shure and this is too much

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Speaker 1: to say A questions it out you. Well, first of all,

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Speaker 1: I want to thank you guys for bearing with me

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Speaker 1: the past a little bit on this podcast because I

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Speaker 1: know I haven't had a guest in a while. Um.

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Speaker 1: I'm currently in my little recording room that is also

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Speaker 1: an office and a music room, and it's covered in

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Speaker 1: vintage clothing. It looks like the year two thousand two

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Speaker 1: threw up and forgot to clean it up. It got

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Speaker 1: too drunk at the party throve in my music room

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Speaker 1: and then it just left with Lindsay Lohan emparisoned and

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Speaker 1: it is Um. It is a wrecking here. And I

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Speaker 1: also have like all the moving stuff, so um, there's

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Speaker 1: no place for me to have a guest over to

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Speaker 1: record this. Um. But in l A, I have a

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Speaker 1: very fancy studio at the iHeart Studios that I can use,

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Speaker 1: which is fun. Um. So I'm just in this transitional

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Speaker 1: phase and it is just insane. The move is three

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Speaker 1: weeks away. That's fucking crazy. Um. But yet my side

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Speaker 1: hustle has sort of become my main hustle while I'm

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Speaker 1: getting money together to move because it turns out it's

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Speaker 1: very expensive to move across the country. I kind of forgot.

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Speaker 1: I don't think I brought. Yeah, I just moved down

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Speaker 1: in a car when I moved from the into Nashville,

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Speaker 1: and I bought all my furniture here because I don't

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Speaker 1: really have anything. But now I'm old enough that I

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Speaker 1: have furniture that I'm attached to and just more. I mean,

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Speaker 1: think about how many things you've probably accumulated from eighteen

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Speaker 1: years old on, Like, I have so many more things

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Speaker 1: that are important to me, have so many more guitars.

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Speaker 1: So the whole putting everything in a Chevy and Paula

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Speaker 1: is not going to cut it this time. So I've

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Speaker 1: been thinking more about money and I thought I would

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Speaker 1: give you guys some advice from somebody who's not qualified

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Speaker 1: to give it. How does that sound? So I grew

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Speaker 1: up to like too, um, Well, it's so weird. My

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Speaker 1: dad has a very interesting relationship with money. My mom

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Speaker 1: does as well. But I grew up with not a

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Speaker 1: whole lot. Like when I was born, I lived in

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Speaker 1: a basement apartment of somebody's house. Apparently I don't remember it,

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Speaker 1: but that's what I did, and my mom didn't have

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Speaker 1: a job. For a really long time, she was on

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Speaker 1: full disability and now she works, but she has like

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Speaker 1: limited hours she can work while still remaining on disability.

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Speaker 1: And we got a lot of government assistance because she

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Speaker 1: was a single mom. And then my dad, Um, he's

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Speaker 1: had money at various points, but he doesn't like believe

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Speaker 1: in banks, Like he knows they exist, but he doesn't

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Speaker 1: believe in them morally like they Um, I don't really

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Speaker 1: get it, but it'll frequently have just like large chunks

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Speaker 1: of money hidden in like the floorboards and stuff, and

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Speaker 1: so that's his bank. Um, which is really bad when

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Speaker 1: your house is burnt down twice. So I just simply

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Speaker 1: remember going to so one time, like my house gone

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Speaker 1: a fire when I was like two and a half,

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Speaker 1: and then it burnt down when I was nine. So

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Speaker 1: the first time, like there was damage and all that,

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Speaker 1: but most things survived except my sister's bedroom. Um, and

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Speaker 1: then the second time, the entire house was gone, and

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Speaker 1: like it was so scary. But um, so that time

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Speaker 1: I remember going by with my dad and like he

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Speaker 1: was like looking for money on the floorboards, and I

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Speaker 1: was like, what the fuck? And he ended up finding

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Speaker 1: some which is crazy, but I'm like, why didn't you

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Speaker 1: put that in the fireproof safe. It just doesn't It

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Speaker 1: just doesn't make sense. So basically, like nobody was going

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Speaker 1: to teach me about money, Um, I was going to

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Speaker 1: up to learn it on my own. And I knew

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Speaker 1: that when I got older and I needed to like

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Speaker 1: get a cell phone and get um, you know, a

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Speaker 1: car payment, or get a credit card, Like, no one

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Speaker 1: was gonna be able to co sign for me, which

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Speaker 1: I'm I'm assuming you guys probably all know what that is.

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Speaker 1: But like co signing is just when somebody else signs

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Speaker 1: up their credit too, like yours. So if you don't pay,

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Speaker 1: then they get start paying legally, um, and you might

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Speaker 1: have penalties on your credit for that, but they'll also

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Speaker 1: like they'll just be forced to pay it off in

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Speaker 1: order to not have penalties on their credit. So there

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Speaker 1: was no way that my parents are gonna get approved

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Speaker 1: for things. My dad doesn't even have a credit card

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Speaker 1: and I don't think he ever has had one, which

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Speaker 1: is mind blowing. And I'd also like to clarify that

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Speaker 1: the large sums of cash and my dad's floor were

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Speaker 1: not drug related. I do know that for a fact,

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Speaker 1: Um he sold antique Um, like antiques and vintage stuff

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Speaker 1: as well. So um, that's where the cash came from.

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Speaker 1: Lots and lots of art tools. But I knew that

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Speaker 1: I was going to have to learn it on my own,

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Speaker 1: and I ended up. I was saving up for Nashville

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Speaker 1: as soon as I decided I wanted to move there

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Speaker 1: when I was like sixteen seventeen, And it was hard

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Speaker 1: because it was just baby setting money for the most part. Um.

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Speaker 1: I worked at a pizza shop when I was sixteen,

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Speaker 1: but all of that money went to paying my cell

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Speaker 1: phone bill. Um, and I had to buy my own groceries.

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Speaker 1: I had to, I mean, honestly, like your senior year

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Speaker 1: so expensive like prom dresses and tickets to homecoming and

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Speaker 1: all in yearbooks and like just stuff like that. Like

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Speaker 1: a little part time paycheck gets eaten up really quickly. Um,

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Speaker 1: and I had to contribute to rent, which in retrospect,

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Speaker 1: now that I'm thinking about it, it's kind of sucked

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Speaker 1: up because my mom's disability paid for rent, but I

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Speaker 1: had to pay her for rent, And like I literally

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Speaker 1: am just not putting together how problem that is anyways,

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Speaker 1: shout out mom. Um. But my parents didn't have a

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Speaker 1: great relationship with money, and I wanted to break that cycle.

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Speaker 1: So part of me moving to Nashville was I graduated

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Speaker 1: early so that I could work full time for a

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Speaker 1: couple of months before moving, and then I could walk

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Speaker 1: with my class still, but I could take that like,

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Speaker 1: you know, second half of the school year too, um

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Speaker 1: to work full time because I was eighteen and I

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Speaker 1: was allowed to. But I needed like one math credit

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Speaker 1: and basically like a full semester, So there's two semesters,

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Speaker 1: four quarters. A full semester of a math class was

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Speaker 1: two credits and those were like what you're you're like

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Speaker 1: standard like algebra or trigonometry or geometry would be. And

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Speaker 1: then there was like electives that were one credit per quarter,

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Speaker 1: and there was only one math elective and it was

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Speaker 1: financial planning. And so since I only needed one math

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Speaker 1: credit for whatever reason, I don't even know how that.

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Speaker 1: I don't know how that math worked out that I

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Speaker 1: had taken another quarter long math class. But I signed

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Speaker 1: up for this and it was like an entirely online

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Speaker 1: class and our teacher was like basically like a study

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Speaker 1: hall teacher. He was super nice, but like always kind

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Speaker 1: of like a little spacey um. I mean, he would

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Speaker 1: just like let me go work outside, like just sit

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Speaker 1: outside and do the class and stuff. Like. I mean,

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Speaker 1: that probably wasn't like a great choice, but I learned

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Speaker 1: so much in that class, and now I'm like, why

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Speaker 1: isn't that required? Like so many of my friends didn't

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Speaker 1: even know that that was offered by our school. The

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Speaker 1: only reason I knew it is because I only needed

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Speaker 1: one quarter of math and I didn't want to take

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Speaker 1: a full semester because I hated math. But then I

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Speaker 1: was like, wait a second, when you're making money, math

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Speaker 1: is fun. This is exciting. So I jumped into the

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Speaker 1: world of finance and learned a lot which I'm about

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Speaker 1: to share with you. So we started, like in this

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Speaker 1: class with a very basic explanation of the stock market,

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Speaker 1: and it was like like a cartoon online class program.

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Speaker 1: But I think an online class for that is really

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Speaker 1: smart because you can go back and you have to

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Speaker 1: like type in the answers as you go and prove

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Speaker 1: you know it. And so I internalized things really really

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Speaker 1: well from that class, and we learned about the stock market,

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Speaker 1: and we learned about credit and you know, TransUnion experience, PICO,

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Speaker 1: all these things that I had never heard of before.

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Speaker 1: Because you know, my parents didn't have credit cards, and

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Speaker 1: I was about to turn eighteen, and I really needed

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Speaker 1: to know these things. And now I'm like, how the

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Speaker 1: funk would have pulled this off if I didn't take

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Speaker 1: this class. And I also was learning about crypto at

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Speaker 1: the same time, which this is my most devastating financial

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Speaker 1: gast casualty of all time. And I think I've told

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Speaker 1: this story before, but when I was when I was eighteen,

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Speaker 1: I needed a fake I D. Because I couldn't go

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Speaker 1: to any other concerts. I wanted to go to my

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Speaker 1: hometown and also I wanted to get wasted at both

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Speaker 1: Feni's um in the whole More Importland, and I was

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Speaker 1: dating an older guy, so I really felt like I

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Speaker 1: needed a fake I D. And I was looking up

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Speaker 1: online because there used to be this website called I

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Speaker 1: D Chief and you could just order, like you get

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Speaker 1: a two pack of I D s because they're presuming

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Speaker 1: one would get taken by a bouncer um from China

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Speaker 1: and it would have your face on it and whatever.

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Speaker 1: But that got closed down, so I was like only

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Speaker 1: the kids in the class before me still had I

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Speaker 1: D Chief ideas, like nobody in my class, Adam and

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Speaker 1: I looked up other ways to do it, and then

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Speaker 1: I found this thing called the Silk Road, which is

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Speaker 1: UM literally the black market, so um. Just like you

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Speaker 1: could buy fake ideas on there, you could also buy

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Speaker 1: fake birth certificates, fake social Security cards, black tar, heroine

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Speaker 1: body parts. It was not like when I when I

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Speaker 1: hear parents pitching at school board meetings. I'm like, you

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Speaker 1: don't need to be afraid of critical race theory. You

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Speaker 1: need to be afraid of your kid googling how do

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Speaker 1: I buy a fake idea on the Internet, and then

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Speaker 1: winding up on the fucking silk Road, like anyway. So

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Speaker 1: I figured out how to buy crypto because that was

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Speaker 1: the only way you could pay on the Silk Road,

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Speaker 1: and you also had to download this UM browser called tour,

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Speaker 1: which is like how you access the deep web dark

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Speaker 1: web UM. And so I figured how to buy a bitcoin,

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Speaker 1: and I bought ten of them at seven dollars and

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Speaker 1: fifties and speece this is two thousand and twelve, and

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Speaker 1: I didn't keep fucking any of them. And if I

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Speaker 1: had at the height of bitcoin's value, it's like at

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Speaker 1: like thirty something thousand right now, but at the height

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Speaker 1: of its value it went up to like sixty thousand,

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Speaker 1: sixty five thousand, and I could have been a millionaire

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Speaker 1: if I kept all of them, or if I kept

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Speaker 1: one of them, like if I just invested in another

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Speaker 1: seventy five dollars. Like that's the thing about a seventeen

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Speaker 1: eighteen year old is like I was smart enough to

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Speaker 1: figure out how to buy crypto because I wanted to

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Speaker 1: take I D but I was not smart enough to

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Speaker 1: know that I should have hung on to like maybe

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Speaker 1: one maybe maybe just one, Like I still hate myself

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Speaker 1: for that. I was learning a lot about finances, and

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Speaker 1: that's the thing about cryptocurrency as well. It's like I've

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Speaker 1: been talking to um, some older people who have questions

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Speaker 1: about it, and they've these are like millionaires who have

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Speaker 1: tons of investment properties and real estate and um other

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Speaker 1: forms of you know, like silver, gold, whatever, but they

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Speaker 1: don't know about crypto and it's overwhelming because like, but

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Speaker 1: for me, the second I was starting to think about

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Speaker 1: credit cards, I was also thinking about crypto. So it's

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Speaker 1: like I understand it, but it's also so overwhelming if

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Speaker 1: you like did not grow up knowing crypto existed. So um,

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Speaker 1: that's also a side hustle, but I'm a little overwhelmed

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Speaker 1: by crypto. I have a I have a diverse portfolio,

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Speaker 1: but um none of it. I haven't invested enough to

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Speaker 1: like really make a lot of money. But the best

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Speaker 1: thing I did was buy ethereum and bitcoin back in

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Speaker 1: like two thousand seventeen. And then I bought some shiba

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Speaker 1: Inu and twenty one like early, so those have been good,

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Speaker 1: but I'm also scared to sell them because of what

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Speaker 1: happened with the bitcoin, so I'm like, no matter like

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Speaker 1: how much, and now it's going down, so it's like,

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Speaker 1: I don't know, that's a scary that's a scary industry

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Speaker 1: that freaks me out. But um, so I learned. I

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Speaker 1: was learning about that, but then I also learned about

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Speaker 1: like very basic you know, like credit cards and stuff

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Speaker 1: and your credit score and how you have TransUnion and

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Speaker 1: experience and Vico, and I learned about this thing called

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Speaker 1: secured cards. And if you are trying to build your

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Speaker 1: credit and you don't have a credit card yet, this

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Speaker 1: is the best advice I can give you. And I

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Speaker 1: know that I said that this is advice coming from

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Speaker 1: an unqualified person, but like, please listen to me, especially

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Speaker 1: if you're like in college and you're nineteen and you

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Speaker 1: don't have any credit cards of your own. And also, um,

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Speaker 1: I had to tell Sam this the other day. We're

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Speaker 1: like a couple of months ago, um, because he had

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Speaker 1: a copy of one of his parents credit cards, which

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Speaker 1: a lot of parents do, and like, I have UM

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Speaker 1: credit cards that my my team can use as well,

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Speaker 1: Like you can put other people's name on your credit

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Speaker 1: card and just copy the credit card. But he thought

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Speaker 1: that was building his credit, but it wasn't because he

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Speaker 1: wasn't on it. His name was just on the card

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Speaker 1: and you were like, oh Ship, and his sister was like,

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Speaker 1: oh Ship. I'm like yeah, guys, Like but it does

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Speaker 1: seem like you would be earning, like you're like building

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Speaker 1: your credit from that, but you're not. So if that's

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Speaker 1: your case as well, please listen. There's this thing called

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Speaker 1: secured cards. I don't know. I like don't know why

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Speaker 1: we don't talk about them more often. They were like,

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Speaker 1: it was the first thing I did when I turned eighteen,

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Speaker 1: as I signed up for a secured card, which I

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Speaker 1: found out about through this financial planning app and UM

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Speaker 1: or class. And it's basically like you put down a

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Speaker 1: hundred and fifty dollars. I use Capital one UM and

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Speaker 1: that's what Sam used to and like they're they're pretty great,

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Speaker 1: I think as far as it goes. But you put

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Speaker 1: down a hundred and fifty dollars on your secured card

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Speaker 1: and you have a hundred and fifty dollar limits, so

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Speaker 1: it's basically a cash card, right, Like you put down

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Speaker 1: a hundred and fifty dollars. But if you use that

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Speaker 1: card frequently, because you want to use your credit cards,

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Speaker 1: you don't want to like let them sit there. The

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Speaker 1: thing you can do is put like your cell phone

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Speaker 1: bill on there, and put your Netflix and Hulu and

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Speaker 1: all these things that come out automatically. Put them on there,

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Speaker 1: and then have it set to auto pay so that

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Speaker 1: it comes out and then immediately gets paid from your

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Speaker 1: debit account, which like anything you have linked to auto

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Speaker 1: pay from your debt account, switch it to your credit

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Speaker 1: card and then set that up for auto pay, so

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Speaker 1: it's just adding one more auto pay step. Then when

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Speaker 1: you pay that off every month, it's like, oh, she's

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Speaker 1: using this credit card, she's paying it off. That looks

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Speaker 1: like irresponsible, Like you know, person, we're lending to whatever.

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Speaker 1: So you have your secord secured card for a few months. Um,

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Speaker 1: you do that. I mean it's not very difficult to

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Speaker 1: not let a hundred fifty dollars get out of control

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Speaker 1: and don't like, don't use it for anything in those

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Speaker 1: few months except like consciously building your credit. So then

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Speaker 1: they'll be like, oh, hey, like after a couple of months,

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Speaker 1: we're like you've been like a really responsible like person.

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Speaker 1: We should Um, we're gonna make this not a secured

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Speaker 1: card and we're going to grant you a four thousand

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Speaker 1: dollar limit, which is really great because like when you're

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Speaker 1: booking airplane tickets or something like that, Like those are

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Speaker 1: the kind of things you want to put on credit

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Speaker 1: cards and then pay them off after And those are

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Speaker 1: the kind of things you want to do. Like for

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Speaker 1: for me, if I'm like playing a show, I put

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Speaker 1: a lot of stuff on a credit card because if

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Speaker 1: the show falls through, like I don't want that to

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Speaker 1: be I don't want to be waiting for that cash

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Speaker 1: to come back and whatever. Um, I don't want it

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Speaker 1: coming out on my account, like my actual cash money.

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Speaker 1: And so like from there, like Sam is building really

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Speaker 1: really great credit from that, And that's what I did

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Speaker 1: as well. And when I was eighteen, and so shortly

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Speaker 1: after that, I applied for a Discover card and now

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Speaker 1: um that that limit on that Discover card is almost

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Speaker 1: twenty dollars because I started so early. And you get

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Speaker 1: like a huge boost on your credit when you hit

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Speaker 1: like five years of an account and ten years of

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Speaker 1: an account, which is why you don't want to start

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Speaker 1: closing credit cards, especially your earliest one. Like that earliest

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Speaker 1: credit card that I had was like, so when I

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Speaker 1: turned twenty eight this summer, like I'll get a huge

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Speaker 1: boost because that will officially be ten years of me

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Speaker 1: having that credit card, and like you get a huge

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Speaker 1: boost there as well, So you don't want to close

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Speaker 1: your earliest account. I still have that secured card. The

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Speaker 1: A p R rates aren't great, so I don't use

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Speaker 1: it very often, but it's like it's really great and

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Speaker 1: you get like you can also get pre approved for

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Speaker 1: another Capital one card and just like not do anything

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Speaker 1: with the other one, and like use that and have

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Speaker 1: a good relationship with with them and don't miss any

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Speaker 1: of your payments. And also if you do miss some

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Speaker 1: of your payments, like you miss like one, you can

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Speaker 1: call them and explain it and they like, well, they'll

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Speaker 1: fix it. They don't like that. I don't think people

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Speaker 1: know that, Like if you miss a payment or you're

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Speaker 1: really really late, you can just call them. And also

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Speaker 1: right now you can be like hey, COVID and they're like, okay, cool.

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Speaker 1: So it's not it's it's pretty um it's easier than

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Speaker 1: it's and I'm really bad at math, Like I'm like

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Speaker 1: super fucking bad at math. But because of starting that

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Speaker 1: credit card, like I am now seven, and my credit

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Speaker 1: scores like in the high six hundreds, which is really

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Speaker 1: good for my age, and I have almost ten years

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Speaker 1: of credit history, and so it makes me look like

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Speaker 1: a really really good candidate for loans and like right

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Speaker 1: now I'm getting a new car loans. So that's been amazing.

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Speaker 1: And I just like, thank you so much sixteen seventeen,

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Speaker 1: eighteen year old Kaylee for learning about this ship and

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Speaker 1: for preparing me at seven, because like I, if I

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Speaker 1: needed to approve for Alan, I can't call my parents.

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Speaker 1: So if you're in that position as well, you should

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Speaker 1: be building credit from eighteen on no matter what. But

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Speaker 1: I could, like if I had enough of a down payment,

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Speaker 1: like I could buy a house pretty easily right now,

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Speaker 1: and that's difficult if you don't start building credit early.

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Speaker 1: So the next piece of advice and I'm like, okay,

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Speaker 1: this is actually really good, educated informed invioce is um

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Speaker 1: having a I'd hustle and I had sold on Poshmark

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Speaker 1: a lot when I was moving to Nashville and saving

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Speaker 1: up money, and like, I thrift a lot um most

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Speaker 1: of my closer second hand, and sometimes they'll be from

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Speaker 1: like consignment stores are like Buffalo Exchange, but sometimes they're

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Speaker 1: from Goodwill or thrift smart, and I love the thrill

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Speaker 1: of the chase um. I also like thrift ng on

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Speaker 1: Poshmark and thrifting on vented dot com, Like that's still

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Speaker 1: thrift ng. Invented has like thrift start prices, so you're

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Speaker 1: still buying secondhand, you're still saving clothes from landfills. I'm

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Speaker 1: really passionate about that. I found so much cooler ship

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Speaker 1: at second hand shops um, things that other people don't have,

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Speaker 1: things that I can rework. Like right now, I'm looking

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Speaker 1: at a pair of these pants that I had that

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Speaker 1: are like these white bell bottoms, but I dyed them

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Speaker 1: a light green and I'm currently bedazzling them with butterflies

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Speaker 1: on them to sell. And I'm really excited about that.

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Speaker 1: And then I also have these, um Harley Davidson jeans

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Speaker 1: that I got for five dollars and they were super

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Speaker 1: cool and I was just going to resell them like that,

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Speaker 1: but there was a stain like not like in the cross,

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Speaker 1: but there was a stain near it that I was like,

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Speaker 1: oh no, I'm not going to sell it with that

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Speaker 1: on there, like you couldn't see it from the outside

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Speaker 1: but from the inside, and I was like, I don't

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Speaker 1: like that, but it's still really cool vintage Harley Davidson jeans.

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Speaker 1: So what I did was I cut off like right

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Speaker 1: above the stain, and I turned it into a mini skirt,

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Speaker 1: and then I bedazzled the pockets and I put like

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Speaker 1: an orange H in an orange D like next to

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Speaker 1: each other on the bottom left of the skirt. And

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Speaker 1: now I'm going to outline that in rain stones and

380
00:19:35,359 --> 00:19:38,720
Speaker 1: I'm super pumped. And so, like, flipping things is really

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Speaker 1: really great and you can earn a lot from that

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Speaker 1: because people know that you can like earned like they

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Speaker 1: know the amount of time that goes into that, so

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Speaker 1: they really want you to do like they they'll pay

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Speaker 1: more for it. But also, um, you can just resell

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Speaker 1: things and like after you clean them up, because I'll

387
00:19:57,880 --> 00:20:02,399
Speaker 1: find some really great pieces through stores, Like I found

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Speaker 1: this um ud PC silk baby dress from the early

389
00:20:05,680 --> 00:20:10,639
Speaker 1: two thousand's that's absolutely gorgeous, but it had these like

390
00:20:10,800 --> 00:20:13,560
Speaker 1: stains on it that wouldn't come out on the sleeves.

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Speaker 1: And you can only do so much with silk before

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Speaker 1: you're just like abusing the fabric. So I just cut

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Speaker 1: the sleeves at the seam and then just shorten them

394
00:20:22,119 --> 00:20:24,520
Speaker 1: by like just moving them up past where the stain was,

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00:20:24,600 --> 00:20:26,639
Speaker 1: and then re sewing them on. And then there was

396
00:20:26,680 --> 00:20:29,600
Speaker 1: like a couple other like scuffs, like that's what it

397
00:20:29,640 --> 00:20:31,439
Speaker 1: looked like. It looks like they like scuffed it on

398
00:20:31,520 --> 00:20:34,280
Speaker 1: something UM that wouldn't come out. So I just died

399
00:20:34,280 --> 00:20:36,880
Speaker 1: it pink and now it's like the coolest dress ever,

400
00:20:37,040 --> 00:20:39,720
Speaker 1: and I'll be able to resell that UM. But for

401
00:20:39,760 --> 00:20:43,560
Speaker 1: the most part, with things that I resell, I like

402
00:20:43,640 --> 00:20:46,960
Speaker 1: I I clean them, I stay and removed. There's almost

403
00:20:46,960 --> 00:20:49,920
Speaker 1: always like at least some like little tiny stain on something. UM.

404
00:20:49,960 --> 00:20:51,560
Speaker 1: I have a deep pillar that I got for five

405
00:20:51,640 --> 00:20:53,600
Speaker 1: dollars that takes all the pills off, so like for

406
00:20:53,640 --> 00:20:57,960
Speaker 1: old sweaters, it's amazing um or I'll just like I

407
00:20:58,000 --> 00:21:00,480
Speaker 1: do like intense repairs as well. So I this pair

408
00:21:00,520 --> 00:21:06,040
Speaker 1: of Gucci horse bit Um sandals that resell like used

409
00:21:06,080 --> 00:21:11,000
Speaker 1: for like sometimes, and I got them for four Team

410
00:21:11,960 --> 00:21:14,400
Speaker 1: because they were like totally falling apart. But I did

411
00:21:14,440 --> 00:21:16,479
Speaker 1: some wood polish on them, and then I did like

412
00:21:16,520 --> 00:21:19,359
Speaker 1: a swede brush. Swade brushes are amazing. I got all

413
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Speaker 1: the marks out of that, and then I like the

414
00:21:21,640 --> 00:21:24,639
Speaker 1: two layers of swede were coming apart, so I literally

415
00:21:24,720 --> 00:21:28,399
Speaker 1: hot glue them and it's not it's not jankie like,

416
00:21:28,440 --> 00:21:36,639
Speaker 1: it's actually like a very good repair that I'm proud of. Ye.

417
00:21:42,119 --> 00:21:44,639
Speaker 1: Also just saving them from a landfill because people like

418
00:21:44,960 --> 00:21:48,240
Speaker 1: you throw things away when they fall apart, and trying

419
00:21:48,240 --> 00:21:50,280
Speaker 1: to find a way to repurpose them, even if like

420
00:21:50,440 --> 00:21:52,280
Speaker 1: you have like a bunch of old T shirts that

421
00:21:52,760 --> 00:21:56,840
Speaker 1: you are throwing away, like cut them into rags and

422
00:21:56,960 --> 00:21:59,160
Speaker 1: use them, use them for rags. Like that's a really

423
00:21:59,240 --> 00:22:01,760
Speaker 1: great way to like repurpose stuff, and also just save

424
00:22:01,840 --> 00:22:04,040
Speaker 1: money on buying REGs, because like why buy something you're

425
00:22:04,040 --> 00:22:07,879
Speaker 1: just going to cover and jump, you know. Um. But

426
00:22:08,560 --> 00:22:10,480
Speaker 1: that's always been a fun side hustle for me, and

427
00:22:10,520 --> 00:22:14,280
Speaker 1: like basically The reason I got started back on depop

428
00:22:14,840 --> 00:22:18,360
Speaker 1: was I was talking to you my boyfriend Sam, and

429
00:22:18,400 --> 00:22:20,040
Speaker 1: I was complaining about how I didn't have any money

430
00:22:21,440 --> 00:22:23,560
Speaker 1: because the publishing deal is not enough to live off of.

431
00:22:23,600 --> 00:22:25,919
Speaker 1: It pays rent and that's it. So everything else I

432
00:22:25,920 --> 00:22:28,680
Speaker 1: have to figure out. And I'm not touring right now.

433
00:22:28,720 --> 00:22:30,760
Speaker 1: So it's like I was like, I need to figure

434
00:22:30,840 --> 00:22:32,720
Speaker 1: something out or else I'm just going to spend my

435
00:22:32,800 --> 00:22:36,159
Speaker 1: savings and be fucked. And this was before I decided

436
00:22:36,160 --> 00:22:37,800
Speaker 1: to move to l A, So like, thank god, I

437
00:22:37,840 --> 00:22:41,080
Speaker 1: set myself up where I can pull this off kind of.

438
00:22:41,960 --> 00:22:45,560
Speaker 1: But um, I he was taught. I was talking to

439
00:22:45,640 --> 00:22:47,119
Speaker 1: him about that and he was like, well, you know,

440
00:22:47,200 --> 00:22:49,120
Speaker 1: I saw this thing on Instagram where this guy said,

441
00:22:49,600 --> 00:22:52,400
Speaker 1: you have five thousand dollars worth of things in your house,

442
00:22:52,400 --> 00:22:55,280
Speaker 1: so you can sell like you do, Like there's things

443
00:22:55,280 --> 00:22:58,320
Speaker 1: you don't use and people want them. And I've been

444
00:22:58,359 --> 00:23:01,240
Speaker 1: surprised on eBay what people will buy. So that's a

445
00:23:01,240 --> 00:23:03,320
Speaker 1: good place to put stuff that you like think might

446
00:23:03,320 --> 00:23:05,600
Speaker 1: be junk. But like, look up those items on Ebays,

447
00:23:05,600 --> 00:23:07,560
Speaker 1: see what they're selling for. If you can even make

448
00:23:07,560 --> 00:23:09,679
Speaker 1: twenty dollars, it's worth the time. It takes to list it.

449
00:23:10,160 --> 00:23:12,359
Speaker 1: Like I try to think of everything, like am I

450
00:23:12,440 --> 00:23:15,440
Speaker 1: making twenty or more an hour doing this? And if

451
00:23:15,440 --> 00:23:16,840
Speaker 1: it's less, and I'm like, okay, I need to like

452
00:23:17,240 --> 00:23:19,919
Speaker 1: not put the effort into this particular piece because it

453
00:23:19,960 --> 00:23:24,160
Speaker 1: won't it's not going to like pay itself off both

454
00:23:24,240 --> 00:23:26,439
Speaker 1: on the cost of the item and then um on

455
00:23:26,560 --> 00:23:29,080
Speaker 1: the time it takes to restore it. So I really

456
00:23:29,119 --> 00:23:32,359
Speaker 1: do that mostly with like high ticket things, but there's

457
00:23:32,359 --> 00:23:35,880
Speaker 1: some random stuff that people want. There's some random fucking stuff,

458
00:23:36,440 --> 00:23:38,840
Speaker 1: and um, eBay is a great place to start. But

459
00:23:38,880 --> 00:23:41,800
Speaker 1: eBay is like really confusing, Like it's like Facebook where

460
00:23:41,840 --> 00:23:45,320
Speaker 1: it's so user unfriendly. I hate it. If I hadn't

461
00:23:45,440 --> 00:23:48,720
Speaker 1: just like sold something for a ton of money on there,

462
00:23:48,840 --> 00:23:50,480
Speaker 1: I would not be using it. But it was very

463
00:23:50,520 --> 00:23:53,399
Speaker 1: instant gratifications on like fine, eBay, I'll keep using you.

464
00:23:54,280 --> 00:23:57,960
Speaker 1: But also, like, I mean, clothing on posh Mark and

465
00:23:58,040 --> 00:24:01,040
Speaker 1: d Pop is amazing and they use Poshmark for a while.

466
00:24:01,080 --> 00:24:04,440
Speaker 1: But Sam was like, you should delete all the iPhone

467
00:24:04,440 --> 00:24:07,680
Speaker 1: games off your phone that you play obsessively and you

468
00:24:07,720 --> 00:24:11,320
Speaker 1: should put that energy towards something And so now my

469
00:24:11,400 --> 00:24:15,600
Speaker 1: iPhone game is Deepop and you are constantly interacting with

470
00:24:15,600 --> 00:24:18,600
Speaker 1: people and sharing things and liking items, and it's very fun.

471
00:24:18,640 --> 00:24:20,880
Speaker 1: I mean it's time consuming, but I don't play games

472
00:24:20,880 --> 00:24:23,240
Speaker 1: on my iPhone anymore. I read books and I sell

473
00:24:23,320 --> 00:24:26,919
Speaker 1: on deepop, and those are way better uses of my

474
00:24:27,000 --> 00:24:32,240
Speaker 1: time and are still like stimulating. So that's been huge.

475
00:24:32,400 --> 00:24:34,960
Speaker 1: But if you just like, you can make a lot

476
00:24:35,000 --> 00:24:37,119
Speaker 1: more off a piece too, even if it's just like

477
00:24:37,119 --> 00:24:39,880
Speaker 1: a pair of like Zara jeans, if you clean them

478
00:24:39,880 --> 00:24:42,400
Speaker 1: and you take nice photos of them, because I'll buy

479
00:24:42,400 --> 00:24:44,840
Speaker 1: stuff on there that people just do not. They just

480
00:24:44,880 --> 00:24:47,000
Speaker 1: throw up a wrinkled picture and the way there's the

481
00:24:47,040 --> 00:24:49,320
Speaker 1: most student on here might come out why not? And

482
00:24:49,359 --> 00:24:51,160
Speaker 1: there's a hole in the left sleeve, and so they're

483
00:24:51,200 --> 00:24:53,840
Speaker 1: selling it for like three dollars, and so I'll buy that.

484
00:24:54,280 --> 00:24:56,199
Speaker 1: I'll get the stain out, I'll still up the sleeve.

485
00:24:56,400 --> 00:24:58,560
Speaker 1: I might even diet. I might, but dad's a load,

486
00:24:58,600 --> 00:25:01,040
Speaker 1: I might do whatever. But I I saved that piece

487
00:25:01,080 --> 00:25:05,480
Speaker 1: from the land film and resell it. And people are

488
00:25:05,920 --> 00:25:09,280
Speaker 1: paying like a lot for vintage clothing on depop because like,

489
00:25:09,400 --> 00:25:11,399
Speaker 1: and I'll pay, Like I bought a pair of like

490
00:25:11,800 --> 00:25:14,560
Speaker 1: seventy five dollar jeans on there the other day because

491
00:25:15,200 --> 00:25:16,800
Speaker 1: I was never going to find those in a thrift store.

492
00:25:16,840 --> 00:25:21,240
Speaker 1: They were like these fucking amazing vintage pink tied I

493
00:25:21,359 --> 00:25:24,760
Speaker 1: missed sixty flair low rised jeans from the early two

494
00:25:24,800 --> 00:25:28,600
Speaker 1: thousand's and I love them, and I just wasn't going

495
00:25:28,640 --> 00:25:30,680
Speaker 1: to come across those in the wild, and if I did,

496
00:25:30,680 --> 00:25:32,359
Speaker 1: they might be in rough condition. And I was like,

497
00:25:32,600 --> 00:25:34,360
Speaker 1: somebody like put a lot of time and effort into

498
00:25:34,400 --> 00:25:37,280
Speaker 1: cleaning these up there in brand new condition. They're twenty

499
00:25:37,359 --> 00:25:40,960
Speaker 1: years old, and I want them. So people, even me,

500
00:25:41,119 --> 00:25:44,119
Speaker 1: knowing like the deal that person probably got when they

501
00:25:44,119 --> 00:25:48,560
Speaker 1: found those genes thrift ng Like, I don't care because

502
00:25:48,560 --> 00:25:51,399
Speaker 1: I got something really cool that I wanted and I

503
00:25:51,440 --> 00:25:53,200
Speaker 1: didn't have to like hunt for it. So if you're

504
00:25:53,200 --> 00:25:56,200
Speaker 1: looking for something specific, like you know, and I've paid

505
00:25:56,240 --> 00:25:59,080
Speaker 1: seventy five dollars or close to seventy five dollars for

506
00:25:59,160 --> 00:26:01,639
Speaker 1: jeans at Zara, And also Zara is really bad for

507
00:26:01,680 --> 00:26:05,080
Speaker 1: the environment, Like I kind of get peeved when my

508
00:26:05,160 --> 00:26:08,879
Speaker 1: friends who are like holier than now on like the

509
00:26:08,920 --> 00:26:11,439
Speaker 1: whole vegan thing, but then they like only shop at

510
00:26:11,480 --> 00:26:15,440
Speaker 1: Zara and like guys like m M, yeah, you're ruining

511
00:26:15,480 --> 00:26:17,440
Speaker 1: the environment. In other ways, it doesn't matter if you

512
00:26:17,560 --> 00:26:19,960
Speaker 1: drive it pre It's like if your entire wardrobe is

513
00:26:19,960 --> 00:26:22,679
Speaker 1: from Zara and you like just get rid of it

514
00:26:22,760 --> 00:26:26,200
Speaker 1: after like every three months, like you're, yeah, the ozone

515
00:26:26,280 --> 00:26:29,080
Speaker 1: layer is pissed at you, and so like, there's a

516
00:26:29,080 --> 00:26:31,159
Speaker 1: lot of different ways you can do it. But the

517
00:26:31,160 --> 00:26:33,320
Speaker 1: biggest thing I would recommend is, like whatever you're selling,

518
00:26:33,400 --> 00:26:35,440
Speaker 1: just like take a little bit of time to clean

519
00:26:35,520 --> 00:26:39,040
Speaker 1: it up. Um. There's so many Like the tools I

520
00:26:39,119 --> 00:26:42,760
Speaker 1: used to fix things are really not that expensive. Um.

521
00:26:42,920 --> 00:26:45,199
Speaker 1: You get like you can get a swede brush and

522
00:26:45,440 --> 00:26:48,359
Speaker 1: oxy clean stick and a d pillar and you can

523
00:26:48,359 --> 00:26:51,760
Speaker 1: get all these things um on Amazon or at Walmart

524
00:26:51,840 --> 00:26:54,719
Speaker 1: or whatever for like five dollars and they go a

525
00:26:54,840 --> 00:26:57,480
Speaker 1: very long way. Like these Gucci shoes, I'm not sure

526
00:26:57,480 --> 00:26:59,480
Speaker 1: if I'll get four dollars for them, but I'm probably

527
00:26:59,520 --> 00:27:03,639
Speaker 1: gonna get a good bit and I should because I

528
00:27:03,720 --> 00:27:06,280
Speaker 1: put so much energy into saving those shoes. But they're

529
00:27:06,280 --> 00:27:08,600
Speaker 1: gonna make somebody really happy, and I'm gonna sell them

530
00:27:08,600 --> 00:27:10,640
Speaker 1: below listing price because I'm like, I gotta deal on these.

531
00:27:10,640 --> 00:27:12,679
Speaker 1: You should got a deal on these two because either way,

532
00:27:12,680 --> 00:27:15,520
Speaker 1: I'm in a prophet. But um, there's a lot of

533
00:27:15,560 --> 00:27:18,080
Speaker 1: things you can do, and I think that reselling is

534
00:27:18,240 --> 00:27:21,159
Speaker 1: is huge. It's great for the environment you're giving and

535
00:27:21,200 --> 00:27:23,320
Speaker 1: even if it's something that you've loved, that you've worn

536
00:27:23,359 --> 00:27:26,439
Speaker 1: and you don't use anymore, Like I'm so much happier

537
00:27:26,440 --> 00:27:28,840
Speaker 1: knowing that it's going to a good place and like

538
00:27:28,920 --> 00:27:30,879
Speaker 1: somebody's going to love it the way that I loved it,

539
00:27:30,920 --> 00:27:33,119
Speaker 1: even though I don't wear it anymore, And there's just

540
00:27:33,160 --> 00:27:37,679
Speaker 1: something really beautiful about that. So that's um financial advice

541
00:27:37,680 --> 00:27:40,840
Speaker 1: from an idiot with Kaylee Jere But uh, I think

542
00:27:41,000 --> 00:27:42,960
Speaker 1: the biggest takeaways that I want you to think about

543
00:27:42,960 --> 00:27:45,879
Speaker 1: from this, if if they apply to you, is reselling

544
00:27:45,880 --> 00:27:49,600
Speaker 1: clothes and a secured card, like a fucking secured card.

545
00:27:49,680 --> 00:27:52,040
Speaker 1: If you don't have a credit card yet, Like, go

546
00:27:52,160 --> 00:27:55,000
Speaker 1: do that today. It's a hundred and fifty dollars, but

547
00:27:55,080 --> 00:27:57,400
Speaker 1: you immediately get that hundred fIF dollars back, So you're

548
00:27:57,480 --> 00:27:59,560
Speaker 1: using it on your credit card. You have to pay

549
00:27:59,600 --> 00:28:02,040
Speaker 1: it off, like you're putting down a hundred fifty dollars

550
00:28:02,080 --> 00:28:04,080
Speaker 1: to get a hundred fifty dollars and then you get

551
00:28:04,080 --> 00:28:07,600
Speaker 1: your you get your deposit back when they upgrade you

552
00:28:07,680 --> 00:28:10,000
Speaker 1: from a secured card to a regular card which is

553
00:28:10,040 --> 00:28:12,560
Speaker 1: only a few months, so it's like really money in

554
00:28:12,640 --> 00:28:16,160
Speaker 1: and money back and I cannot recommend it enough. Thank

555
00:28:16,160 --> 00:28:18,119
Speaker 1: you guys so much for listening. I'm Kaylie Shure and

556
00:28:18,200 --> 00:28:19,760
Speaker 1: this is too much to say. I'm gonna go try

557
00:28:19,800 --> 00:28:21,960
Speaker 1: to figure out how to buy a car now because

558
00:28:22,160 --> 00:28:26,880
Speaker 1: mine rest her soul um died in the garbage truck incident,

559
00:28:27,000 --> 00:28:29,919
Speaker 1: so lots more money. Maybe I'll keep you guys updated

560
00:28:29,960 --> 00:28:32,480
Speaker 1: on that if I figure out any tips for the

561
00:28:32,480 --> 00:28:34,800
Speaker 1: car buying process next week, all right, I'll see you

562
00:28:34,800 --> 00:28:47,440
Speaker 1: guys then asking questions. Tell it out you