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Speaker 1: Hey, hey, hey, I'm back. I'm actually back and back home.

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Speaker 2: It's Tiffany and Mandy and this is Brown Ambitious.

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Speaker 3: How's it going.

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Speaker 2: Honestly, I'm so glad to be home because Essence Fest

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Speaker 2: was like the weekend before, and then this past weekend

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Speaker 2: I did Women Evolved, which was Sarah Jake Schrobert's first conference.

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Speaker 1: She's the daughter of T. D.

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Speaker 2: Jake's, the really popular bishop and religious leader. And it

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Speaker 2: was Honestly, the conference was amazing, but like just two

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Speaker 2: back to back really packed weekends where it's just it

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Speaker 2: was just a lot.

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Speaker 1: It is, but I have to say I met a

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Speaker 1: bunch of ba lists.

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Speaker 2: And literally, I mean, now I've started this thing which

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Speaker 2: is so funny because I'm not a hugger, but because

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Speaker 2: I say, oh, Mandy, people gave me a hug for you.

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Speaker 1: Now every time I need a listener.

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Speaker 3: Maybe because I don't know if you guys know this,

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Speaker 3: but she really is not a hugger.

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Speaker 1: Like no, I'm not.

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Speaker 3: If she might feel her tense up a little, it's

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Speaker 3: because she's thinking, ill, what if the change it to

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Speaker 3: like a this bump? Why do you set yourself up

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Speaker 3: like this?

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Speaker 1: I don't know, because you know what I mean.

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Speaker 2: Somebody actually gave me a hug and I wanted to

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Speaker 2: mention it, and then it was like, oh, so that's

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Speaker 2: the thing, and I'm like, oh, no, it's not the thing. Honestly,

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Speaker 2: I mean, I don't mind, because I get hugs like

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Speaker 2: on the budget n East Side, and so people are like, look,

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Speaker 2: I know you're not a hugger, but I'm gonna have

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Speaker 2: to hug you because you help me with like that.

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Speaker 1: So I mean, I accept it.

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Speaker 3: You know, keep the hugs, keep the love coming. Well

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Speaker 3: that's dope. Yeah, that sounds really exhausting. Not gonna lie.

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Speaker 3: I myself am very high profile auntie lately. So it

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Speaker 3: was a back to back kittie weekend for us. We

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Speaker 3: visited kids, We had kids over at the house. Well

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Speaker 3: we really wanted the parent. We wanted our friends and

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Speaker 3: now all of our friends have kids who were like

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Speaker 3: running around age like ages two to four. So they

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Speaker 3: came over to the house and then I realized, oh

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Speaker 3: my god, this is a lot. It was like, first

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Speaker 3: of all, no one was ever in the same room

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Speaker 3: together because some of them was always chasing one of

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Speaker 3: the children, where a child was always having a tantrum

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Speaker 3: and needed to be chased somewhere. So at one point

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Speaker 3: there was like a holy girl moment for ten minutes

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Speaker 3: when we were all in the backyard together, just all

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Speaker 3: the kids, all the grown ups, and it was it

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Speaker 3: was awesome, but definitely good birth control. I must say.

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Speaker 1: Yeah, kids are really exhausting.

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Speaker 2: Like I was going to visit my niece and my

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Speaker 2: nephew yesterday and then I was like, oh, let me

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Speaker 2: FaceTime them before I leave, And then watching them, I

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Speaker 2: was like, you know what, I.

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Speaker 1: Actually I'm going to stay home. I was tired.

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Speaker 2: And then just like like literally every time I said

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Speaker 2: hi to my nephew on FaceTime, he would zip into

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Speaker 2: the other.

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Speaker 1: Room and I'm like, what is she doing? He doing?

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Speaker 1: And she's like, girl, I mean, I mean he's just

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Speaker 1: running for dear life. As if you're no, there's no robber.

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Speaker 2: She just look like sitting on the couch. She's liked,

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Speaker 2: there's no rhyme or reason. It's just you say hi,

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Speaker 2: he picks off.

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Speaker 1: That's just what we do.

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Speaker 4: It's just.

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Speaker 1: Meanwhile, my niece who's barely one, Like the other day, my.

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Speaker 2: Sister said, she crawled over to her, handed her the

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Speaker 2: remote and said TV was like I don't know whether

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Speaker 2: to be proud or shame, Like do we watch that

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Speaker 2: much TV?

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Speaker 1: She was like, she only says like three words, and

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Speaker 1: now one of them is TV. She's like, and why

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Speaker 1: do it? Was the right remote?

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Speaker 2: You know how you have like three TV remote? She's like,

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Speaker 2: I'm clear on the I'm clear on what I want.

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Speaker 1: Thanks.

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Speaker 3: I witnessed the power of the smartphone. I'm telling you

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Speaker 3: when those ten minutes we were all together, it was

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Speaker 3: brought to you by Apple, Android and other devices because

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Speaker 3: that was the only way at a certain point. I

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Speaker 3: just watched the light in their eyes go out. The

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Speaker 3: parents and they just gave up. They're like, fine, I'm

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Speaker 3: just bring out the cell phone. Exactly what else is happening?

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Speaker 4: Ooh?

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Speaker 3: I had an interesting call today. We're thinking about using

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Speaker 3: like one of these new home what's the word like,

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Speaker 3: not interior design but interior stylist services. Now they have

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Speaker 3: all these they have all these new businesses where they

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Speaker 3: sort of have made it easier for, you know, everyday

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Speaker 3: people to hire an interior designer, so someone to help

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Speaker 3: you pick out They can do everything as little as

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Speaker 3: just help you pick out furniture, but they can go

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Speaker 3: deeper and help you pick out cabinets and fixtures and

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Speaker 3: lighting and all that kind of stuff. And for me,

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Speaker 3: I figured it was smart the same way that it

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Speaker 3: was smart when we got our financial planner to help

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Speaker 3: us kind of be the middleman because we may disagree

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Speaker 3: on stuff, and I always liked having an independent third

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Speaker 3: party like mediator. So for me, when we're like, we're

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Speaker 3: doing a lot all at once, you know, trying to

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Speaker 3: plan how the house is going to look, and I

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Speaker 3: have a heart, I'm like already overwhelmed thinking about, okay,

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Speaker 3: the backslash in the kitchen and how's it with the

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Speaker 3: bathroom tile, and like I need someone to sort of

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Speaker 3: help not just keep the peace between us as we

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Speaker 3: try and merge our styles, but also yeah, I just

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Speaker 3: keep tabs on like the high level and then talk

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Speaker 3: to the contractor about, you know, stuff and order stuff.

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Speaker 3: So we're looking at a couple of different places, okay,

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Speaker 3: And the first one that I've talked to is called

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Speaker 3: home Polish, and I've heard good things about them. They

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Speaker 3: used to charge an hourly rate something like one hundred

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Speaker 3: and forty dollars an hour for their services. But when

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Speaker 3: I talked to them today and I was a little

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Speaker 3: weary of that because I don't like I feel like

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Speaker 3: that would make it feel almost as if you're working

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Speaker 3: with an attorney. You know, Oh, I sent home polish

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Speaker 3: an email, so now I'm going to get billed, you know,

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Speaker 3: for half an hour or whatever. But when I actually

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Speaker 3: talked to them, and the girl was super nice today

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Speaker 3: and asked a lot of questions, and it was just

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Speaker 3: like the introductory call to learn a little bit about

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Speaker 3: and then they refer you to one of their designers

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Speaker 3: and then you have an additional like meeting at your

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Speaker 3: house with them. But they change their business, they change

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Speaker 3: their their payment model now so it's just a flat

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Speaker 3: rate that you pay the designer, which I just think

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Speaker 3: that's so much better because then you just know up front,

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Speaker 3: here's how much is going to cost, and it includes everything,

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Speaker 3: and you don't have to feel bad about calling them

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Speaker 3: or you know, them spending an extra half an hour

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Speaker 3: with you, I don't know, picking out pillows or whatever

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Speaker 3: they do.

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Speaker 2: No, I like that, and honestly, I like, like, thankfully,

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Speaker 2: you know, we have a blue design and development so Rihanna,

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Speaker 2: who's the wife's side of the team, she's doing that

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Speaker 2: for us, thank goodness, and then you know her husband's

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Speaker 2: doing the project management. But because honestly, I'm not gonna lie,

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Speaker 2: I have no idea, Like I'm not I don't have

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Speaker 2: a good eye for things like that.

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Speaker 1: You know.

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Speaker 2: I'm the type of person that like when I see

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Speaker 2: it and I like it, I'm like, I like it,

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Speaker 2: but i have no idea how we got here.

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Speaker 1: So I'm excited for that.

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Speaker 3: Also, do you ever feel like, I don't know living

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Speaker 3: in New York or anyone who's ever if you've ever

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Speaker 3: been a if you've been a serial renter. It's one

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Speaker 3: of the questions she asked me was, what's what do

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Speaker 3: you like to shop for home furnishings? And I'm like, honestly,

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Speaker 3: I'm tired of West Elm and I'm sick of Ikea.

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Speaker 3: I don't know what else is out there because I've

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Speaker 3: only been renting, and I never really cared to learn

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Speaker 3: because no one wants to invest a lot of money

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Speaker 3: in into a rental. So I'm also interested to learn

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Speaker 3: about new places to shop or like, where are the

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Speaker 3: grown ups by their furniture? I don't know to get

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Speaker 3: me out of that, you know, Western because everyone's place

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Speaker 3: looks the same. If you like everyone's shops at the

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Speaker 3: same three places when they're renting, and I'm just like,

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Speaker 3: take me somewhere different. Also, take me somewhere.

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Speaker 1: Cheaper, exactly.

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Speaker 3: I'm excited some wholesale discounts, and.

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Speaker 1: That's what I'm excited.

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Speaker 2: There's a lot of like Chile wholesalers and like just

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Speaker 2: in Jersey there's I've noticed. It's just like I you know,

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Speaker 2: I never really looked before, but as I drive through,

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Speaker 2: I'm like, oh, look, granted wholesalers and this, and so

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Speaker 2: I'm excited to kind of like do like some high

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Speaker 2: low like put the money where it really matters and

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Speaker 2: then cut back the places where it doesn't matter as much.

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Speaker 1: Yeah. So yep.

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Speaker 2: And then I'm definitely going to be reaching out to

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Speaker 2: my online family, like anybody know anybody got a discount

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Speaker 2: at so be prepared.

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Speaker 3: Yeah, I mean, I want to hear if anyone any

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Speaker 3: of our listeners, have you ever used a home polish

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Speaker 3: Or's also this website called decor I was looking at.

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Speaker 3: I might check them out as well. If you've ever

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Speaker 3: used one of these, like I don't know, on demand

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Speaker 3: interior design services, let me know. Let me know how

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Speaker 3: you liked your experience. Tweet us at the BA podcast

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Speaker 3: or yeah, that's probably the best way to tweet us

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Speaker 3: out the BA podcast, or you can send us an

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Speaker 3: email at Briananmission Podcast at gmail dot com dot com.

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Speaker 1: Speaking of tweets, you want to look at these tweets

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Speaker 1: streets you.

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Speaker 3: Like how I just handed you that segue I.

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Speaker 1: Did because I told her, God, you canna have the

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Speaker 1: worst memory. I was like, oh, that's right.

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Speaker 2: Honestly, I love that you guys are starting to tweet

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Speaker 2: us more. Remember our Twitter is at the BA podcast.

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Speaker 1: So Shana J.

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Speaker 2: Her Twitter hander is at Foxy with two x's y J.

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Speaker 1: Underscore eighty five? Girl were you born? Eighty five? You

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Speaker 1: young girl? When were you born? Mandy?

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Speaker 3: I mean, you're gonna ask a woman her age on

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Speaker 3: Girl Live podcast.

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Speaker 2: Manny is like a true millennial. She's like fourteen anyway.

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Speaker 1: So Shana J.

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Speaker 2: She wrote love listening to at the BA podcast on

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Speaker 2: my drive to work because I always get inspired to

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Speaker 2: do my budget while I'm on break love y'all. Oh

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Speaker 2: we love you too, Shaea. And there was another one

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Speaker 2: that I thought was really nice. Hank Green, who I'm

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Speaker 2: not sure what he does. Yes, he he's got the

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Speaker 2: blue checks. I'm like, thank you somebody. So Hank wrote,

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Speaker 2: he just wrote a post saying he's a white guy.

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Speaker 2: He wrote, your favorite podcasters who aren't white guys?

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Speaker 1: Go and Emily and Ithaca.

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Speaker 3: Wait, we need to tell him who are favorite podcasters

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Speaker 3: who aren't white?

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Speaker 1: Are you know?

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Speaker 2: And that's what Emily and she replied, Oh okay, so

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Speaker 2: that's what really shouting at Emily Emily and Ithaca. Her

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Speaker 2: her handle is HbF fights Nazis. Oh okay, well.

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Speaker 3: Hey Emily and so I guess we support that.

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Speaker 2: So Emily wrote, Brian Ambition, it's such a great podcast

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Speaker 2: about money and more so you're fighting the Nazis and

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Speaker 2: you're listening to Brann and Bish.

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Speaker 1: We love you. So that's an in my Twitter, my

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Speaker 1: Twitter tweets I love so what about you? Yeah.

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Speaker 3: I see a lot of people on Instagram give a

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Speaker 3: shout outs when people ask them who their favorite podcasts are.

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Speaker 3: So thank you guys. I should start shouting you guys out.

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Speaker 3: But appreciate the love on the Gram. I have to say,

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Speaker 3: I think I know what the secret sauces to getting

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Speaker 3: likes on Instagram from our listeners. Just post something about

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Speaker 3: living signal single that's all you need because like, by far,

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Speaker 3: our most popular posts over the last couple of weeks

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Speaker 3: has been this picture from Eric Alexander featuring I don't

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Speaker 3: even know his real name who plays Kyle on on

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Speaker 3: Living Single? It doesn't matter anyway. Max and Kyle got

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Speaker 3: back together for the gram and I posted on an

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Speaker 3: Instagram page and our listeners went batshit crazy one hundred

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Speaker 3: over one hundred and sixty likes, and uh listener a

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Speaker 3: fod doju a fao jew said, looking like fine, why

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Speaker 3: does anyone remember when Kyle sang over ten in Sinclair's

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Speaker 3: wedding but was looking at Max sad face sad face?

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Speaker 1: No, I don't.

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Speaker 3: But okay, first of all, you need to revisit this

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Speaker 3: episode because it is like a masterclass in bad nineties

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Speaker 3: like mood lighting and soft filter. It is so bad.

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Speaker 3: And also just any any show in the nineties of

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Speaker 3: like a wedding scene the outfits are hi there. Well,

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Speaker 3: this is a classic episode. I do remember when he's

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Speaker 3: sang my funny Valentine, though, I mean, how can you forget?

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Speaker 3: Did you forget it?

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Speaker 1: I did you know what? It's so crazy?

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Speaker 2: I know my memory, I know you know what it

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Speaker 2: is I don't watch the rewe don't have Hulu. Yeah,

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Speaker 2: well I do, but I guess I haven't watched the

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Speaker 2: rewnth and I need to. I'm gonna get back into

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Speaker 2: because honestly, I love Living Single.

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Speaker 3: You need to watch the refunds. I've got my husband

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Speaker 3: hooked on it too. It's so funny. Sometimes I come

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Speaker 3: in the room, he's just watching episodes by himself. Oh,

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Speaker 3: they age so well. These episodes are so good. No,

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Speaker 3: I'm not gonna lie because I don't know when the

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Speaker 3: show was on. If you missed it, you missed it,

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Speaker 3: right unless you got a VHS tape and you could

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Speaker 3: record stuff. There was no DVR, so for me, there's

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Speaker 3: so many episodes I never saw. Yes, you're right now,

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Speaker 3: I don't think I saw the entire last season. I

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Speaker 3: never knew what happened.

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Speaker 1: Yeah, no, you're right.

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Speaker 2: I was thinking about that because you're because they don't

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Speaker 2: do the replays like they do with other shows, like

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Speaker 2: obviously like Golden Girls, which you know plays all the time.

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Speaker 1: But so if you miss it, you missed it. And

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Speaker 1: that's why I'm like missing out on a lot.

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Speaker 2: But you know what, I'm gonna make that my mission

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Speaker 2: because that night when I kind of go to sleep,

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Speaker 2: I need some an injection of good TV.

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Speaker 1: So that'll be my go to.

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Speaker 3: It's a good tonic for the soul after everything that

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Speaker 3: you read all day, I have to say, it's like

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Speaker 3: twenty four minutes, perfect little, perfect little cure for the

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Speaker 3: for the blues. And anyway, they're looking amazing. If you

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Speaker 3: guys want to see the picture I'm talking about, go

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Speaker 3: to Instagram. Fine us at Brown Ambisson Podcast on Instagram.

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Speaker 3: You can see the beautiful couple. I don't think they've

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Speaker 3: aged at all, except Kyle has a little gray hair.

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Speaker 3: But they look amazing.

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Speaker 1: Yeah, they do look amazing.

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Speaker 4: Yeah.

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Speaker 2: Are you ready to boost and break or boost and break?

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Speaker 1: It's funny because I have a boost, I have a

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Speaker 1: boost break.

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Speaker 3: You go first this week, but I'm ready. I'm ready

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Speaker 3: for you.

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Speaker 2: So mine is so random and so what So have

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Speaker 2: you seen the shiggy dance or aka the in my

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Speaker 2: Feelings Dance?

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Speaker 4: Oh?

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Speaker 3: Yes, I don't know what a shiggy is, but I

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Speaker 3: do know. I am like, yeah, I watched Will Smith's

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Speaker 3: had the best Yes, I think and I feel challenge right.

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Speaker 1: So, Kiki, do you love me? Are you Ridingside.

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Speaker 3: His album has been out for a week. I don't

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Speaker 3: know the words yet. Sorry, yes, no me either.

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Speaker 1: No one knows that part.

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Speaker 2: So anyway, that dance started from a young Instagram comedian

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Speaker 2: named I don't know what is your name is, but

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Speaker 2: like on Instagram, his name is the Shiggy Show and

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Speaker 2: he's hilarious. And what I like about him is that,

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Speaker 2: like his whole premise was like I'm from New York

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Speaker 2: and instead of being like this hard New York guy,

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Speaker 2: I'm happy and I dance and he's super silly. So

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Speaker 2: he started a dance to that song and it just

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Speaker 2: took took over the interwebs.

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Speaker 3: And so it wasn't Sierra. I thought I was Cierra.

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Speaker 2: No, so they started, Yeah, they started doing it as

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Speaker 2: a result, like because, like I said, he's known for

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Speaker 2: like his silly dancing and like always being joyful and

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Speaker 2: smiling and like the opposite of typically like you would

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Speaker 2: think like a queen's dude, like you know, so he

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Speaker 2: kind of is like I'm the opposite of that.

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Speaker 1: I'm I'm happy, I'm smiling, and I'm not mad at anybody.

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Speaker 1: And so he actually.

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Speaker 2: Because you know, that song is not I mean it's

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Speaker 2: a fun song, but I didn't really think about it

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Speaker 2: until I saw the Shaky Dance craze.

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Speaker 1: So he's been on every type of radio show, TV

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Speaker 1: and one of the big things.

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Speaker 2: So this is my brown My brown break is kind

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Speaker 2: of like, Okay, I'm over the dagone.

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Speaker 1: Kiki, are you writing?

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Speaker 2: But my brown boost is for him because he just

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00:14:59,240 --> 00:15:02,600
Speaker 2: posted a picture on ig three hours ago because people

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00:15:02,600 --> 00:15:05,480
Speaker 2: were like, yo, Drake needs to acknowledge you. You know,

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Speaker 2: like you did this, you blew up his songs. He

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Speaker 2: just posted a picture with Drake. And when I tell

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00:15:09,920 --> 00:15:11,400
Speaker 2: you to smile on his face, Mandy, it is.

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Speaker 3: So he met Drake. He I mean, Drake should be

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Speaker 3: paying him.

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Speaker 1: I know.

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00:15:16,640 --> 00:15:20,840
Speaker 2: But it is so amazing because through this he got

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Speaker 2: his blue check on Instagram.

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Speaker 1: Yo.

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00:15:23,200 --> 00:15:25,960
Speaker 2: The look on his face if you get it, if

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00:15:26,000 --> 00:15:28,280
Speaker 2: you're by your pro Mandy, just type in the Shiggy

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00:15:28,280 --> 00:15:30,880
Speaker 2: show and the look on his face, he looks like

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Speaker 2: he's like my life. I'm just like he won, like

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Speaker 2: he won the Life the Life Award, and everyone has

349
00:15:38,240 --> 00:15:41,200
Speaker 2: been following his like kind of like success, I guess

350
00:15:41,200 --> 00:15:43,800
Speaker 2: with this kind of challenge, and everybody's been rooting him

351
00:15:43,840 --> 00:15:46,040
Speaker 2: on and he's just been so grateful and it's just

352
00:15:46,080 --> 00:15:47,560
Speaker 2: really cute. So I just wanted to do a brown,

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00:15:47,680 --> 00:15:49,720
Speaker 2: a brown boost to that, I mean, a break from

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Speaker 2: I'm tired of the Dagon song. I get it the challenge,

355
00:15:52,080 --> 00:15:55,160
Speaker 2: but a boost for someone who you know, been using

356
00:15:55,240 --> 00:15:58,840
Speaker 2: Instagram to right to make people smile and as a result,

357
00:15:58,880 --> 00:16:00,640
Speaker 2: look at you you know, you know know, maybe he'll

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00:16:00,640 --> 00:16:01,200
Speaker 2: be in the video.

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00:16:01,840 --> 00:16:05,320
Speaker 3: Yeah, he needs to get paid like free promotions.

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00:16:05,400 --> 00:16:07,880
Speaker 2: Sorry, and no it is no, you're right because honestly,

361
00:16:07,960 --> 00:16:10,600
Speaker 2: people weren't thinking about that song until that came out.

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00:16:10,640 --> 00:16:12,280
Speaker 1: In it blew that song out of the water.

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Speaker 3: I'm not tired of it yet. Sorry, it's in my

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00:16:17,560 --> 00:16:21,040
Speaker 3: head man, Okay. I don't know what to boost or

365
00:16:21,160 --> 00:16:25,480
Speaker 3: break first. Maybe should I break the CBS workers who

366
00:16:25,520 --> 00:16:27,640
Speaker 3: called the cops on a black woman who just tried

367
00:16:27,640 --> 00:16:31,600
Speaker 3: to use damn coupons? Or should I do a boost

368
00:16:31,680 --> 00:16:35,960
Speaker 3: for the one last standing blockbuster in America, which Washington

369
00:16:36,000 --> 00:16:38,280
Speaker 3: Post wrote about this week. I don't know which. I

370
00:16:38,280 --> 00:16:40,760
Speaker 3: think I might do CVS. I'm leaning towards CVS because

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00:16:40,760 --> 00:16:42,320
Speaker 3: I just want to say something about.

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Speaker 1: This, Yes do that.

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Speaker 3: I love that these stories are becoming part of mainstream news,

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00:16:46,080 --> 00:16:48,120
Speaker 3: Like it's like every news outlet wants to have their

375
00:16:48,160 --> 00:16:50,640
Speaker 3: story to make it go viral. But I also feel

376
00:16:50,640 --> 00:16:52,680
Speaker 3: like it's one of these cases where this is not

377
00:16:52,840 --> 00:16:56,560
Speaker 3: anything that's new. I feel like it's been happening for

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00:16:56,640 --> 00:16:58,840
Speaker 3: a long, long, long long time. I was just I

379
00:16:58,880 --> 00:17:00,880
Speaker 3: don't know, like a little bit but also a little

380
00:17:00,920 --> 00:17:03,520
Speaker 3: bit glad that there's things like cell phones today and

381
00:17:03,560 --> 00:17:07,159
Speaker 3: people are shining a light on these crazy and pointless

382
00:17:08,320 --> 00:17:12,640
Speaker 3: instances of racism where just like every day when you're

383
00:17:12,680 --> 00:17:16,000
Speaker 3: walking around being a certain color, you do something and

384
00:17:16,000 --> 00:17:18,400
Speaker 3: you're treated entirely differently. It's it's insane.

385
00:17:19,119 --> 00:17:22,359
Speaker 2: Like when I saw I was like, wait, I see

386
00:17:22,760 --> 00:17:26,520
Speaker 2: for a coupon, not for like you you know. I

387
00:17:26,560 --> 00:17:29,240
Speaker 2: just I was like, this can't be real because because

388
00:17:29,280 --> 00:17:32,160
Speaker 2: you're saying it's a fraudulent coupon, like what.

389
00:17:32,920 --> 00:17:34,440
Speaker 3: This No, No, this coupon's too good.

390
00:17:34,960 --> 00:17:35,160
Speaker 1: No.

391
00:17:35,359 --> 00:17:37,359
Speaker 2: And even let's just say, even if it was, what

392
00:17:37,400 --> 00:17:38,640
Speaker 2: does that have to do with the police, Like, well, man,

393
00:17:38,640 --> 00:17:39,600
Speaker 2: we're not taking this coupon?

394
00:17:40,160 --> 00:17:41,600
Speaker 1: I mean you know what I mean, he was the

395
00:17:41,680 --> 00:17:43,640
Speaker 1: guy was shaking calling the police.

396
00:17:43,800 --> 00:17:47,240
Speaker 3: So I list in Chicago too. You wouldn't even think

397
00:17:47,280 --> 00:17:49,840
Speaker 3: normally of sugar. And if you're thinking this word, this

398
00:17:49,880 --> 00:17:51,680
Speaker 3: would happen, and you know in the US, I don't

399
00:17:51,680 --> 00:17:55,680
Speaker 3: think I would necessarily think Chicago, but that would happen, Like.

400
00:17:55,600 --> 00:17:56,840
Speaker 1: You know there's black people in Chicago.

401
00:17:56,880 --> 00:17:59,119
Speaker 2: This should be the first encounter and then two, Like

402
00:17:59,119 --> 00:18:00,800
Speaker 2: it did a little digging because you know, now his

403
00:18:00,880 --> 00:18:04,160
Speaker 2: hashtag is coupon Karl, which is hilarious. You know they

404
00:18:04,160 --> 00:18:07,479
Speaker 2: have what is that the barbecue hashtag? There's like they

405
00:18:07,520 --> 00:18:09,760
Speaker 2: have one like petty Patty, like for one of that.

406
00:18:09,840 --> 00:18:11,960
Speaker 2: I think that the woman who called the guy called

407
00:18:11,960 --> 00:18:14,119
Speaker 2: the cops and the guy having the barbecue. Yea, I forget,

408
00:18:14,320 --> 00:18:16,520
Speaker 2: I forget the water one's name, what her name was,

409
00:18:16,640 --> 00:18:19,320
Speaker 2: but anyway, they've got this fun like you know, hashtag

410
00:18:20,760 --> 00:18:24,720
Speaker 2: and so so a coupon Karl is shaking and he's

411
00:18:24,760 --> 00:18:26,640
Speaker 2: describing her and she was like, no, you can say

412
00:18:26,640 --> 00:18:28,920
Speaker 2: I'm black. Black is not a bad thing. I'm in here.

413
00:18:29,000 --> 00:18:31,159
Speaker 2: I have a coupon that's legitimate. I don't understand why

414
00:18:31,240 --> 00:18:33,760
Speaker 2: calling the police is necessary because it's not. And the

415
00:18:33,760 --> 00:18:36,320
Speaker 2: police were like, yeah, I mean he's allowed to ask

416
00:18:36,359 --> 00:18:38,560
Speaker 2: you to leave the store, but like, why are we here?

417
00:18:38,640 --> 00:18:42,800
Speaker 2: People are dying legitimately, and we're here because she's using

418
00:18:42,800 --> 00:18:44,679
Speaker 2: a coupon that you don't think it's real. And he

419
00:18:44,720 --> 00:18:48,720
Speaker 2: got fired, and rightfully so him and whoever was below

420
00:18:48,840 --> 00:18:51,119
Speaker 2: him who like escalated it up to him and refused

421
00:18:51,119 --> 00:18:54,480
Speaker 2: to take her coupon, they got fired. And after a

422
00:18:54,480 --> 00:18:57,280
Speaker 2: little digging, I think I read somewhere that of course

423
00:18:57,280 --> 00:19:00,359
Speaker 2: he's a Trump supporter because you know, but what ever,

424
00:19:00,680 --> 00:19:04,560
Speaker 2: he's running for some sort of office, and he was

425
00:19:04,680 --> 00:19:08,199
Speaker 2: like under suspicion of like I guess, patting the ballots

426
00:19:08,280 --> 00:19:10,320
Speaker 2: or something like that. I'm like, oh, so I can't

427
00:19:10,359 --> 00:19:12,520
Speaker 2: use a coupon you don't recognize, but you could try

428
00:19:12,560 --> 00:19:13,320
Speaker 2: to cheat an election.

429
00:19:13,640 --> 00:19:16,760
Speaker 3: Yeah, oh god, I didn't do all that extra investigation.

430
00:19:16,880 --> 00:19:21,960
Speaker 1: Look at you. I can't read. It was all in

431
00:19:22,000 --> 00:19:23,960
Speaker 1: my timeline. So I was just like, oh my goodness.

432
00:19:24,200 --> 00:19:27,040
Speaker 3: And the woman who was someone called the cops on

433
00:19:27,080 --> 00:19:30,800
Speaker 3: her for visiting like a pool in a gated community

434
00:19:30,840 --> 00:19:32,879
Speaker 3: with her son, a black woman and her and her

435
00:19:32,920 --> 00:19:36,000
Speaker 3: son like that. I had just that was the week

436
00:19:36,080 --> 00:19:38,760
Speaker 3: before my friends and I did that that quote unquote

437
00:19:38,800 --> 00:19:43,160
Speaker 3: camping trip for fourth of July, and there was same thing.

438
00:19:43,200 --> 00:19:45,280
Speaker 3: It was like we rented an Airbnb in a really

439
00:19:45,400 --> 00:19:48,920
Speaker 3: nice like community and by this lake and Pennsylvania anyway,

440
00:19:49,240 --> 00:19:51,840
Speaker 3: they have a really cool community center with like games

441
00:19:51,920 --> 00:19:54,840
Speaker 3: and with a pool. And my friends we were every

442
00:19:54,960 --> 00:19:59,480
Speaker 3: shade of the rainbow, black, white, Indian, blonde, brown, Dominican,

443
00:19:59,560 --> 00:20:02,000
Speaker 3: like rever very diverse group. And when we roll up

444
00:20:02,040 --> 00:20:05,000
Speaker 3: on these campsite sometimes we joke about like, oh here,

445
00:20:05,080 --> 00:20:07,440
Speaker 3: everyone's like freaking out because here comes a brown campsite

446
00:20:07,520 --> 00:20:10,480
Speaker 3: or whatever. But when we went to the community center

447
00:20:10,560 --> 00:20:13,439
Speaker 3: just to play some games, you know, we walked in.

448
00:20:13,720 --> 00:20:15,960
Speaker 3: We didn't we walked in. You had to like buy

449
00:20:15,960 --> 00:20:18,240
Speaker 3: a wristband or if you're a guest, you know, you

450
00:20:18,280 --> 00:20:20,359
Speaker 3: pay six bucks for a wristband to get access to

451
00:20:20,359 --> 00:20:23,000
Speaker 3: the pool and to the games or whatnot. And we

452
00:20:23,040 --> 00:20:25,800
Speaker 3: walked back. We passed all these people to go to

453
00:20:25,840 --> 00:20:27,760
Speaker 3: the gamer and we weren't the only people there. But

454
00:20:29,040 --> 00:20:31,760
Speaker 3: about fifteen minutes after we were there, this woman pokes

455
00:20:31,760 --> 00:20:33,719
Speaker 3: her head in. It's not you know, very nice, very

456
00:20:33,800 --> 00:20:35,840
Speaker 3: nice smile, pokes her head and looks like she's ready

457
00:20:35,880 --> 00:20:38,600
Speaker 3: to raise her hand and be like you guys haven't paid,

458
00:20:38,640 --> 00:20:41,000
Speaker 3: you know, why are you here? And then like without

459
00:20:41,080 --> 00:20:43,240
Speaker 3: even saying anything or coordinating it. We all just kind

460
00:20:43,240 --> 00:20:45,480
Speaker 3: of like lift our hands up and show the wristband,

461
00:20:45,840 --> 00:20:50,359
Speaker 3: like we paid to get in here, buy yeah, and

462
00:20:50,600 --> 00:20:52,520
Speaker 3: you know, you never it's it's hard to put a

463
00:20:52,520 --> 00:20:55,800
Speaker 3: finger on racism. You could say, oh, maybe I'm projecting

464
00:20:55,840 --> 00:20:59,080
Speaker 3: my own you know, projecting onto that woman. The fact

465
00:20:59,080 --> 00:21:00,640
Speaker 3: that she came back there because we were a room

466
00:21:00,640 --> 00:21:02,960
Speaker 3: full of brown people in a largely white, you know,

467
00:21:03,040 --> 00:21:06,720
Speaker 3: community center. That's that's when it becomes tricky. And it

468
00:21:06,720 --> 00:21:10,040
Speaker 3: didn't it didn't escalate to this point as it does

469
00:21:10,040 --> 00:21:13,840
Speaker 3: in video. But yeah, it's it's it's just imagine like

470
00:21:13,880 --> 00:21:16,080
Speaker 3: how uncomfortable is people in those shoes. I don't have

471
00:21:16,119 --> 00:21:19,040
Speaker 3: to tell you or anyone else listening probably to imagine that.

472
00:21:19,119 --> 00:21:21,480
Speaker 3: But that's yeah, that's that's what happens when you just

473
00:21:21,520 --> 00:21:23,240
Speaker 3: walk through the world that you look a little bit different.

474
00:21:24,160 --> 00:21:26,240
Speaker 2: Yeah, no, it is because you don't want to be

475
00:21:26,280 --> 00:21:29,440
Speaker 2: somebody who's like it's always racism, but you also don't

476
00:21:29,440 --> 00:21:32,919
Speaker 2: want to be like someone who is I guess ignoring it.

477
00:21:32,920 --> 00:21:34,879
Speaker 2: I can remember I think the first time I really

478
00:21:34,920 --> 00:21:37,040
Speaker 2: really really felt it. I think it was like sixth

479
00:21:37,080 --> 00:21:39,720
Speaker 2: grade or something, and like somebody followed me in the store,

480
00:21:39,760 --> 00:21:41,440
Speaker 2: and honestly, I just said, oh, because I'm a kid.

481
00:21:41,680 --> 00:21:43,879
Speaker 2: And then my friends came in because I lived in

482
00:21:43,920 --> 00:21:45,960
Speaker 2: Westfield and it's like mostly a white neighborhood, and my

483
00:21:46,000 --> 00:21:47,560
Speaker 2: friends came in and it was a bunch of them,

484
00:21:47,560 --> 00:21:48,720
Speaker 2: and they were stealing.

485
00:21:49,200 --> 00:21:50,760
Speaker 1: Because I knew I knew that I was like.

486
00:21:52,840 --> 00:21:55,359
Speaker 2: And they were like running around the store acting crazy,

487
00:21:55,400 --> 00:21:58,159
Speaker 2: and the lady kept following me, like it made it

488
00:21:58,200 --> 00:21:59,960
Speaker 2: really obvious. Like I would stand in the island look

489
00:22:00,040 --> 00:22:01,800
Speaker 2: down the aisle she was standing with her arms cross,

490
00:22:01,960 --> 00:22:03,640
Speaker 2: and I would go to another aisle and she would

491
00:22:03,720 --> 00:22:05,560
Speaker 2: move and stand at the top of the aisle with

492
00:22:05,600 --> 00:22:06,320
Speaker 2: her arms cross.

493
00:22:06,600 --> 00:22:08,560
Speaker 1: And then I said, are you following me?

494
00:22:08,640 --> 00:22:10,560
Speaker 2: Because you know, I'm like eleven or twelve, and she

495
00:22:10,640 --> 00:22:13,840
Speaker 2: was quiet looked at me, and I said and I said,

496
00:22:13,880 --> 00:22:16,200
Speaker 2: asked her again, because you know, at that age, I'm thinking, like,

497
00:22:16,240 --> 00:22:18,760
Speaker 2: you know, adults are people you could trust. And I said,

498
00:22:18,760 --> 00:22:19,520
Speaker 2: are you following me?

499
00:22:19,600 --> 00:22:21,400
Speaker 1: Why? Why are you not following them?

500
00:22:22,320 --> 00:22:24,119
Speaker 2: And I remember like my eyes got big, and she

501
00:22:24,200 --> 00:22:25,720
Speaker 2: just like looked at me and it was very clear,

502
00:22:25,760 --> 00:22:27,880
Speaker 2: like you know, people communicate without and.

503
00:22:27,840 --> 00:22:30,760
Speaker 1: I was like wow, And I remember being like, is

504
00:22:30,800 --> 00:22:32,760
Speaker 1: she following me? Because I'm black. I just couldn't believe

505
00:22:32,760 --> 00:22:33,600
Speaker 1: it because it never.

506
00:22:33,480 --> 00:22:35,200
Speaker 3: Happened at least remember what she said.

507
00:22:35,640 --> 00:22:37,959
Speaker 2: She didn't say anything. She just looked at me, and

508
00:22:38,000 --> 00:22:39,440
Speaker 2: I was like are you And then you know, I

509
00:22:39,520 --> 00:22:41,439
Speaker 2: kept saying like are you following me? And I just

510
00:22:41,880 --> 00:22:43,680
Speaker 2: and I just remember my like you know, tears welling

511
00:22:43,760 --> 00:22:45,440
Speaker 2: up in my eyes and me leaving and my friend's like,

512
00:22:45,440 --> 00:22:47,240
Speaker 2: where are you going? And I just was like I

513
00:22:47,280 --> 00:22:49,440
Speaker 2: went home and I told my mom and she said

514
00:22:49,440 --> 00:22:51,840
Speaker 2: that she had a similar experience in that very same store.

515
00:22:52,359 --> 00:22:54,080
Speaker 2: They sat like when you moved to a new city,

516
00:22:54,080 --> 00:22:56,280
Speaker 2: they send you like a care package with all these coupons,

517
00:22:56,520 --> 00:22:59,760
Speaker 2: and when she went to use it, that same lady.

518
00:22:59,520 --> 00:23:00,800
Speaker 1: Told her, I don't know where you got these from?

519
00:23:00,800 --> 00:23:03,840
Speaker 1: Where did you get these from? And so she was like,

520
00:23:03,840 --> 00:23:05,200
Speaker 1: don't ever go back in that store again.

521
00:23:05,600 --> 00:23:07,840
Speaker 2: And I remember like never going back to the store again,

522
00:23:07,880 --> 00:23:09,600
Speaker 2: except when I got older, Like I think I was

523
00:23:09,600 --> 00:23:11,879
Speaker 2: like in high school or like in college, and I

524
00:23:11,920 --> 00:23:13,159
Speaker 2: went in that store and I was like, you know,

525
00:23:13,200 --> 00:23:15,840
Speaker 2: I was ready, but like, you know, she didn't say

526
00:23:15,840 --> 00:23:17,919
Speaker 2: anything to me. That did' sa anything to her, But

527
00:23:18,080 --> 00:23:20,679
Speaker 2: I just remember thinking, like, yo, I didn't go in

528
00:23:20,680 --> 00:23:22,040
Speaker 2: the store even to buy anything, just to see if

529
00:23:22,040 --> 00:23:22,600
Speaker 2: she was still there.

530
00:23:22,640 --> 00:23:24,320
Speaker 1: And she was, and I was just like, you know,

531
00:23:24,920 --> 00:23:27,560
Speaker 1: it's just crazy, like to a kid, imagine like eleven

532
00:23:27,560 --> 00:23:29,800
Speaker 1: to twelve. I wasn't a big kid. I was like super.

533
00:23:29,560 --> 00:23:32,560
Speaker 2: Skinny and like yeah, and you know, but it was

534
00:23:32,560 --> 00:23:36,000
Speaker 2: like my first real kind of like interaction with like, wait,

535
00:23:36,000 --> 00:23:36,800
Speaker 2: what's happening here?

536
00:23:36,840 --> 00:23:39,800
Speaker 1: I'm being treated differently because of how I look? Is

537
00:23:40,280 --> 00:23:42,640
Speaker 1: that really the reason? But then when I saw like, wait,

538
00:23:42,960 --> 00:23:45,919
Speaker 1: my stealing ask friends, I'm like, uh, that is the reason.

539
00:23:46,600 --> 00:23:47,919
Speaker 2: But then I kind of felt like, you know a

540
00:23:47,920 --> 00:23:49,880
Speaker 2: little giggle like, well, you know they got theirs off,

541
00:23:49,920 --> 00:23:52,240
Speaker 2: so you following me, but you just lost your merchant

542
00:23:52,280 --> 00:23:59,639
Speaker 2: dice over there. Ah shout out to Samantha and them names.

543
00:23:59,400 --> 00:24:03,399
Speaker 1: Now, but nobody remembers, Like there was somebody in middle school.

544
00:24:03,440 --> 00:24:05,199
Speaker 1: But I was like, she was like, girl, did you

545
00:24:05,200 --> 00:24:06,879
Speaker 1: get anything? I'm like, no, I can't to pay for

546
00:24:06,960 --> 00:24:08,680
Speaker 1: things just stealing behind.

547
00:24:08,880 --> 00:24:12,879
Speaker 2: I'm not steeling my parents bank.

548
00:24:13,840 --> 00:24:15,080
Speaker 1: I'm not trying to get one out of here.

549
00:24:15,760 --> 00:24:19,239
Speaker 2: Oh so yeah, well, if you guys you know what

550
00:24:19,359 --> 00:24:21,960
Speaker 2: I feel like, we never share your brown booster break.

551
00:24:21,960 --> 00:24:25,600
Speaker 2: If you have an amazing booster break. Send it, use

552
00:24:25,680 --> 00:24:29,760
Speaker 2: hashtag brown boosts brown Break, and especially like I like Twitter,

553
00:24:29,800 --> 00:24:31,679
Speaker 2: so you can tweet us at the BA podcast. But

554
00:24:31,960 --> 00:24:34,480
Speaker 2: you can certainly send a message if you go to

555
00:24:34,480 --> 00:24:39,360
Speaker 2: Brown a Bison Bronobision podcast dot com and click ask

556
00:24:39,480 --> 00:24:39,960
Speaker 2: us anything.

557
00:24:39,960 --> 00:24:41,640
Speaker 1: You can send a booster break there. We might read

558
00:24:41,680 --> 00:24:43,480
Speaker 1: it out loud, right, Mandra.

559
00:24:43,920 --> 00:24:47,960
Speaker 3: I mean maybe I might. I could read it.

560
00:24:48,359 --> 00:24:50,560
Speaker 1: I might. I might read it.

561
00:24:50,640 --> 00:24:52,800
Speaker 3: I could read it. I feel like that meme of

562
00:24:52,880 --> 00:24:57,119
Speaker 3: Cardi b as a little girl. Okay, we're on a

563
00:24:57,119 --> 00:24:58,720
Speaker 3: meme episode, but I can't I can't get enough of

564
00:24:58,760 --> 00:24:59,080
Speaker 3: that meme.

565
00:24:59,600 --> 00:25:00,600
Speaker 1: I love that meme.

566
00:25:00,680 --> 00:25:04,160
Speaker 2: I posted one that's saying my mama said, my mama said,

567
00:25:04,200 --> 00:25:05,800
Speaker 2: I can't eat jel of rice over here because you're

568
00:25:05,840 --> 00:25:10,720
Speaker 2: from Ghana. Every you know, the Ghanaians in the comments

569
00:25:10,760 --> 00:25:29,560
Speaker 2: are tight. I'm like, it's just hitting kind of all right,

570
00:25:29,600 --> 00:25:31,800
Speaker 2: are we ready for some questions? Any really good ones?

571
00:25:31,880 --> 00:25:32,480
Speaker 2: Hit the inbox?

572
00:25:33,000 --> 00:25:34,880
Speaker 3: Let's look at some questions. Yeah, we have a couple

573
00:25:34,960 --> 00:25:38,400
Speaker 3: of good ones. Let's take a question from let's see Sheena.

574
00:25:39,320 --> 00:25:40,960
Speaker 3: I was about to say her last name. Woof, No,

575
00:25:41,119 --> 00:25:44,320
Speaker 3: don't say people's last names. Mandy that's not cool. So

576
00:25:44,800 --> 00:25:48,040
Speaker 3: listener Shena has a question and she's got some debt

577
00:25:48,080 --> 00:25:50,040
Speaker 3: and she wants to know. I feel like we get

578
00:25:50,080 --> 00:25:53,240
Speaker 3: this question a lot, but everyone's situations a little bit differently,

579
00:25:54,080 --> 00:25:58,120
Speaker 3: but constantly, like feeling pulled in two directions paying down

580
00:25:58,200 --> 00:26:01,480
Speaker 3: debt or saving for retirement or saving for emergency or

581
00:26:01,480 --> 00:26:04,520
Speaker 3: paying down which debt first. All these questions super confusing.

582
00:26:04,560 --> 00:26:08,960
Speaker 3: So here's sheen a situation. Sheena says, I've learned so

583
00:26:09,080 --> 00:26:11,919
Speaker 3: much about personal finances from the podcast. However, I'm in

584
00:26:11,920 --> 00:26:14,280
Speaker 3: a situation where I'm in between a rock and a

585
00:26:14,320 --> 00:26:17,280
Speaker 3: hard place. I'm twenty seven years old. I make twenty

586
00:26:17,280 --> 00:26:20,719
Speaker 3: two dollars an hour, and my monthly expenses are around

587
00:26:20,760 --> 00:26:23,480
Speaker 3: thirteen hundred dollars. I have a high credit score seven

588
00:26:23,600 --> 00:26:28,000
Speaker 3: thirty one, whoop woop, but I have close to forty

589
00:26:28,080 --> 00:26:31,840
Speaker 3: thousand dollars in debt. Part of that is student loan debt.

590
00:26:31,920 --> 00:26:34,399
Speaker 3: She also has an auto loan debt. Her student loans

591
00:26:34,760 --> 00:26:38,240
Speaker 3: are about thirty thousand dollars and her auto loan is

592
00:26:38,280 --> 00:26:42,919
Speaker 3: about six thousand dollars. She only has fifteen hundred dollars

593
00:26:42,960 --> 00:26:45,320
Speaker 3: in savings, and she really wants to pay off her

594
00:26:45,359 --> 00:26:49,200
Speaker 3: car sooner than later. So she asks, my question is

595
00:26:49,200 --> 00:26:51,880
Speaker 3: should I put my student loan in deferment in order

596
00:26:51,960 --> 00:26:54,720
Speaker 3: to pay off my car sooner? I also want to

597
00:26:54,760 --> 00:26:57,520
Speaker 3: try saving for retirement in a four to one K,

598
00:26:58,840 --> 00:27:01,960
Speaker 3: and by possibly putting my student loan in deferment, that

599
00:27:01,960 --> 00:27:05,480
Speaker 3: could help me with this. What do you think? Thank

600
00:27:05,520 --> 00:27:10,480
Speaker 3: you cha? So classic millennial twenty seven years old, has

601
00:27:10,560 --> 00:27:13,639
Speaker 3: auto debt, student loan debt, a tiny bit of savings,

602
00:27:14,119 --> 00:27:17,920
Speaker 3: and wants obviously wants to start saving, but is looking

603
00:27:18,000 --> 00:27:20,240
Speaker 3: at her auto loan debt and wondering if it makes

604
00:27:20,280 --> 00:27:23,840
Speaker 3: more sense to put her student loans on hold while

605
00:27:23,880 --> 00:27:25,639
Speaker 3: she pays off her auto loan debt.

606
00:27:27,000 --> 00:27:32,159
Speaker 2: Yes, okay, well here's the order of things that I

607
00:27:32,240 --> 00:27:34,040
Speaker 2: put things in order, and then you know, I feel

608
00:27:34,040 --> 00:27:35,919
Speaker 2: like you can make your own choices.

609
00:27:35,960 --> 00:27:38,240
Speaker 3: But so really quick, just keeping in mind, we don't

610
00:27:38,280 --> 00:27:40,879
Speaker 3: know the APR and her debt, and we don't know

611
00:27:40,920 --> 00:27:43,040
Speaker 3: what type of federal If she has federal student loans,

612
00:27:43,040 --> 00:27:45,439
Speaker 3: they're private, so we don't have those details. So what

613
00:27:45,480 --> 00:27:48,480
Speaker 3: we're saying is just like and a general idea. It's

614
00:27:48,520 --> 00:27:51,040
Speaker 3: not hard and true advice exactly.

615
00:27:51,040 --> 00:27:52,639
Speaker 2: I was gonna say, like this is just in general

616
00:27:52,720 --> 00:27:56,919
Speaker 2: and depending on like, so typically I like to put

617
00:27:57,359 --> 00:28:01,040
Speaker 2: retirement over everything. But if I had to say credit

618
00:28:01,040 --> 00:28:04,639
Speaker 2: card debt and the interest rate was like twenty five percent,

619
00:28:05,119 --> 00:28:06,760
Speaker 2: then I would make adjustments there.

620
00:28:06,800 --> 00:28:08,520
Speaker 1: But the general rule for.

621
00:28:08,520 --> 00:28:12,439
Speaker 2: Me is retirement comes first, and then I kind of

622
00:28:12,480 --> 00:28:15,760
Speaker 2: slide down and say retirement. Then then like a credit

623
00:28:15,840 --> 00:28:17,679
Speaker 2: card debt, like so higher interest rate that as long

624
00:28:17,720 --> 00:28:19,720
Speaker 2: as it's not obscene. If it's obscene, I kind of

625
00:28:19,760 --> 00:28:23,119
Speaker 2: put that a little bit first, and then after my

626
00:28:23,240 --> 00:28:26,000
Speaker 2: high interest rate debt, then it's like okay, started like

627
00:28:26,280 --> 00:28:31,959
Speaker 2: emergency savings, and then savings slash regular debt paydown.

628
00:28:32,040 --> 00:28:35,560
Speaker 1: So that's usually like my order of things, retirement.

629
00:28:35,960 --> 00:28:40,480
Speaker 2: Credit card debt, like well of course like bills and stuff,

630
00:28:40,480 --> 00:28:44,959
Speaker 2: but then emergency savings slash regular debt paydown and so

631
00:28:45,320 --> 00:28:45,920
Speaker 2: feeding those.

632
00:28:46,560 --> 00:28:48,400
Speaker 1: That's typically like the order that I like to because

633
00:28:48,440 --> 00:28:49,760
Speaker 1: I feel like I don't know.

634
00:28:49,720 --> 00:28:52,480
Speaker 2: I guess the old lady in me is like, because

635
00:28:52,520 --> 00:28:56,600
Speaker 2: I lost all of my money post recession, I'm like

636
00:28:56,880 --> 00:29:00,640
Speaker 2: really concerned about my old lady's self and making sure

637
00:29:00,680 --> 00:29:02,880
Speaker 2: that she has money because I spent all that money.

638
00:29:03,040 --> 00:29:06,760
Speaker 2: So I put my retirement first, as long as my

639
00:29:06,840 --> 00:29:09,120
Speaker 2: credit card debt. Like at the point at the time

640
00:29:09,360 --> 00:29:12,000
Speaker 2: when I think my interest rate on my credit card

641
00:29:12,040 --> 00:29:14,040
Speaker 2: was like nine percent, So I didn't put that above

642
00:29:14,040 --> 00:29:16,840
Speaker 2: retirement because that wasn't obscene, you know. So I was like,

643
00:29:17,000 --> 00:29:19,880
Speaker 2: let me restock my retirement. And as I started to

644
00:29:19,880 --> 00:29:21,640
Speaker 2: do so, and I got like a little system going,

645
00:29:21,680 --> 00:29:24,240
Speaker 2: then I really put that effort into paying down my

646
00:29:24,480 --> 00:29:25,120
Speaker 2: credit card debt.

647
00:29:25,120 --> 00:29:27,080
Speaker 1: I used the snowball method. You can use the Googles

648
00:29:27,320 --> 00:29:28,560
Speaker 1: to find a snowball method.

649
00:29:28,800 --> 00:29:31,080
Speaker 2: And once I got a system for the snowball method going,

650
00:29:31,640 --> 00:29:33,479
Speaker 2: you know, in the meantime, of course I was paying bills,

651
00:29:33,640 --> 00:29:37,280
Speaker 2: then I started really looking at like paying down other

652
00:29:37,400 --> 00:29:39,280
Speaker 2: types of debt. And I mean I was paying the

653
00:29:39,280 --> 00:29:42,120
Speaker 2: minimum to that, but paying other types of debt like

654
00:29:42,120 --> 00:29:43,680
Speaker 2: a little bit more aggressively if I had a little

655
00:29:43,720 --> 00:29:45,760
Speaker 2: extra and emergency savings.

656
00:29:45,800 --> 00:29:47,480
Speaker 1: And so that was like the order, like I said

657
00:29:47,480 --> 00:29:50,080
Speaker 1: that I put my things in. What was what's your order? Mandy?

658
00:29:50,920 --> 00:29:54,440
Speaker 3: Well, because she's twenty seven and she says that, I mean,

659
00:29:54,480 --> 00:29:56,600
Speaker 3: she gets paid pretty well twenty three dollars an hour.

660
00:29:57,040 --> 00:30:00,320
Speaker 3: She has student loan debt, her auto loan de is

661
00:30:00,360 --> 00:30:04,000
Speaker 3: about six thousand dollars that's not a ton. Actually, I've

662
00:30:04,000 --> 00:30:07,200
Speaker 3: heard worse. So she's making pretty decent money. Her only

663
00:30:07,240 --> 00:30:09,480
Speaker 3: types of debt are student loan and autodebt. There's no

664
00:30:09,560 --> 00:30:11,400
Speaker 3: high interest credit card debt from what I get from

665
00:30:11,400 --> 00:30:14,920
Speaker 3: her email. And she only has fifteen hundred and savings

666
00:30:14,960 --> 00:30:18,840
Speaker 3: and she's twenty seven. Part of me is saying, and

667
00:30:18,960 --> 00:30:21,200
Speaker 3: she wants to know if she should put off her

668
00:30:21,240 --> 00:30:24,479
Speaker 3: student loans to put money in her savings account. If

669
00:30:24,520 --> 00:30:28,120
Speaker 3: it's a choice between her emergency savings and retirement. You know,

670
00:30:28,120 --> 00:30:30,560
Speaker 3: ideally you could put a little bit toward both, But

671
00:30:30,800 --> 00:30:36,320
Speaker 3: I would say I would focus on beefing up that

672
00:30:36,440 --> 00:30:41,000
Speaker 3: savings fund first before her putting everything you have left

673
00:30:41,000 --> 00:30:43,880
Speaker 3: at the end of the month into retirement only, because

674
00:30:43,920 --> 00:30:46,920
Speaker 3: that's only about one month's worth of She says, her

675
00:30:47,000 --> 00:30:49,480
Speaker 3: monthly expenses are thirteen hundred and she has fifteen hundred

676
00:30:49,560 --> 00:30:51,920
Speaker 3: saved up, so it's only good enough to cover one

677
00:30:51,920 --> 00:30:55,040
Speaker 3: month's worth of expenses. If things, you know, go south,

678
00:30:55,080 --> 00:30:58,320
Speaker 3: and if she's working hourly, then maybe her position isn't

679
00:30:58,320 --> 00:31:01,680
Speaker 3: necessarily that secure. She's a you know, an hourly worker,

680
00:31:01,800 --> 00:31:04,640
Speaker 3: So I would say I'd like her to beef up

681
00:31:04,680 --> 00:31:07,160
Speaker 3: per savings a little bit. But at the same time,

682
00:31:07,640 --> 00:31:11,280
Speaker 3: what makes sense on paper is to pay off debt

683
00:31:11,400 --> 00:31:14,160
Speaker 3: that has a high interest rate. So take a look

684
00:31:14,200 --> 00:31:17,880
Speaker 3: at your auto loan. If that interest rate is, say

685
00:31:18,040 --> 00:31:21,240
Speaker 3: higher than nine percent, I think it makes sense to

686
00:31:21,320 --> 00:31:25,240
Speaker 3: attack that auto loan pretty aggressively because it's unlikely that

687
00:31:25,720 --> 00:31:27,800
Speaker 3: I mean, this is me assuming that your student loan

688
00:31:27,840 --> 00:31:31,280
Speaker 3: debt is also has interest rate lower than nine percent.

689
00:31:31,360 --> 00:31:33,680
Speaker 3: So let's say if the auto loan is add a

690
00:31:33,760 --> 00:31:38,240
Speaker 3: high interest rate, like higher than nine percent, certainly double digits.

691
00:31:38,440 --> 00:31:40,680
Speaker 3: I think that's probably your most expensive debt. I would

692
00:31:40,680 --> 00:31:44,800
Speaker 3: say tackle that first. You could, if you have federal

693
00:31:44,840 --> 00:31:47,680
Speaker 3: student loan debt, not necessarily put it in deferment, but

694
00:31:47,840 --> 00:31:49,520
Speaker 3: call them up and see if you can get put

695
00:31:49,560 --> 00:31:52,719
Speaker 3: on an income based repayment plan that may reduce your

696
00:31:52,760 --> 00:31:56,320
Speaker 3: payments to a you know, a very low amount, so

697
00:31:56,400 --> 00:31:58,320
Speaker 3: you can put money free up more money to put

698
00:31:58,360 --> 00:32:01,280
Speaker 3: toward that auto loan debt, and pay off that auto

699
00:32:01,320 --> 00:32:04,280
Speaker 3: loan debt pretty aggressively, and once you're in a better

700
00:32:04,320 --> 00:32:07,360
Speaker 3: place there, start kicking more toward retirement. I mean, I

701
00:32:07,360 --> 00:32:09,480
Speaker 3: guess in my mind, I just think you're never gonna

702
00:32:09,840 --> 00:32:13,080
Speaker 3: not never, but it's unlikely over the long term that

703
00:32:13,120 --> 00:32:15,800
Speaker 3: you might make more than nine percent on an annual

704
00:32:15,840 --> 00:32:18,680
Speaker 3: basis from your investment return. So I think, on paper,

705
00:32:19,920 --> 00:32:22,320
Speaker 3: looking at those three things, it makes more sense for

706
00:32:22,360 --> 00:32:25,920
Speaker 3: me to attack that auto loan debt and then just

707
00:32:25,960 --> 00:32:29,520
Speaker 3: so you have a nice little cushion to put money

708
00:32:29,720 --> 00:32:33,160
Speaker 3: into that emergency savings fund. Because my only worry there is,

709
00:32:33,200 --> 00:32:35,760
Speaker 3: you know what happens if her car breaks down and

710
00:32:35,800 --> 00:32:38,719
Speaker 3: she needs repair and she, you know, empties out her

711
00:32:38,720 --> 00:32:41,760
Speaker 3: emergency fund, which you know, fifteen hundred dollars is not

712
00:32:41,840 --> 00:32:45,280
Speaker 3: that much, and then she may start racking up credit

713
00:32:45,280 --> 00:32:49,440
Speaker 3: card debt because she's emptied out that emergency fund, and

714
00:32:49,480 --> 00:32:52,160
Speaker 3: then she really won't be in a like good position

715
00:32:52,240 --> 00:32:56,800
Speaker 3: to save toward retirement. It's it's complex, but so that's

716
00:32:56,840 --> 00:32:58,920
Speaker 3: what I say. That's what makes sense on paper. Now

717
00:32:59,120 --> 00:33:01,240
Speaker 3: there's what makes sense on paper, and there's what makes

718
00:33:01,280 --> 00:33:04,520
Speaker 3: you sleep at night. And that's why I think what Tiffany,

719
00:33:04,600 --> 00:33:06,680
Speaker 3: like what you said earlier is a good example of Okay, well,

720
00:33:06,680 --> 00:33:08,080
Speaker 3: how can I sleep at night? So I can sleep

721
00:33:08,120 --> 00:33:11,600
Speaker 3: at night if I know Wanda's taken care of in

722
00:33:11,640 --> 00:33:14,120
Speaker 3: the future and I have my retirement savings. It's not

723
00:33:14,160 --> 00:33:17,040
Speaker 3: like you're saying, okay, ignore your other debts. You can

724
00:33:17,080 --> 00:33:20,560
Speaker 3: say yes toward retirement. It's just like, well, maybe putting

725
00:33:20,560 --> 00:33:22,320
Speaker 3: a little bit in retirement so you have peace of

726
00:33:22,360 --> 00:33:23,080
Speaker 3: mind at night.

727
00:33:23,040 --> 00:33:27,000
Speaker 2: Yes, just because something like if I, like, for example,

728
00:33:27,080 --> 00:33:29,719
Speaker 2: if I hadn't let's just say the recession had it hit,

729
00:33:29,760 --> 00:33:32,720
Speaker 2: and I just had, you know, debt like in Carloan

730
00:33:33,280 --> 00:33:37,200
Speaker 2: debt and whatever, I probably retirement would have just been whatever,

731
00:33:37,400 --> 00:33:40,120
Speaker 2: you know, money that it was normally coming out or

732
00:33:40,200 --> 00:33:42,760
Speaker 2: matched for my company, it wouldn't have been a big concern.

733
00:33:43,120 --> 00:33:45,920
Speaker 2: But I guess because it was like, oh my goodness,

734
00:33:46,160 --> 00:33:48,880
Speaker 2: that was like a huge fear of mine because I'm like, wow,

735
00:33:49,040 --> 00:33:52,040
Speaker 2: I'm in my early thirties now, and all my retirement

736
00:33:52,040 --> 00:33:53,520
Speaker 2: money that I was working toward it's gone.

737
00:33:54,080 --> 00:33:56,520
Speaker 1: So I was like, I don't want to what do

738
00:33:56,600 --> 00:33:59,800
Speaker 1: I do? You know? And so you know, so it's

739
00:34:00,360 --> 00:34:00,840
Speaker 1: it's hard.

740
00:34:00,880 --> 00:34:04,280
Speaker 2: Money is hard because it's like partially emotional but then

741
00:34:04,440 --> 00:34:09,400
Speaker 2: partially logical, and if you only address one of those sides,

742
00:34:09,520 --> 00:34:13,360
Speaker 2: it's gonna feel incomplete, you know. And so addressing the

743
00:34:13,400 --> 00:34:15,040
Speaker 2: fact like like well what can I do to kind

744
00:34:15,080 --> 00:34:17,080
Speaker 2: of like so I can't sleep at night. But then Also,

745
00:34:17,400 --> 00:34:19,920
Speaker 2: it's almost like the difference between the Snowball method and

746
00:34:20,000 --> 00:34:22,759
Speaker 2: the what's the other method where you actually do the

747
00:34:22,920 --> 00:34:26,280
Speaker 2: I don't know if it's called anything avalanche, the Avalanche method.

748
00:34:26,360 --> 00:34:30,040
Speaker 2: So like the Snowball method, you really are appealing to

749
00:34:30,080 --> 00:34:32,799
Speaker 2: your emotional side, and the Avalanche method it's a little

750
00:34:32,800 --> 00:34:37,879
Speaker 2: bit more logical, but it doesn't necessarily feed the emotional

751
00:34:38,640 --> 00:34:41,000
Speaker 2: component of paying off debt. And so, you know, but

752
00:34:41,040 --> 00:34:42,680
Speaker 2: you have to pick what's best for you because if

753
00:34:42,760 --> 00:34:45,520
Speaker 2: they both can still work, because I did the Snowball method,

754
00:34:45,520 --> 00:34:47,840
Speaker 2: and you know, it took me two and a half

755
00:34:48,080 --> 00:34:49,600
Speaker 2: years to pay off the like I think I had

756
00:34:49,640 --> 00:34:51,440
Speaker 2: like thirty five thousand dollars in credit card debt when

757
00:34:51,480 --> 00:34:54,320
Speaker 2: I when I first started the method, and it worked

758
00:34:54,640 --> 00:34:56,799
Speaker 2: because it appealed to the part that would motivate me

759
00:34:56,840 --> 00:34:57,399
Speaker 2: to keep going.

760
00:34:58,560 --> 00:35:02,080
Speaker 3: Yeah, I agree. I think She's also one thing you

761
00:35:02,080 --> 00:35:05,799
Speaker 3: can do, Sheena, is sit down and say, Okay, I

762
00:35:05,880 --> 00:35:07,440
Speaker 3: have this much left over at the end of the

763
00:35:07,440 --> 00:35:09,040
Speaker 3: month that you haven't told us how much you have

764
00:35:09,120 --> 00:35:10,319
Speaker 3: left over at the end of the month, but I'd

765
00:35:10,360 --> 00:35:12,440
Speaker 3: be curious to know. And then how long would it

766
00:35:12,480 --> 00:35:15,000
Speaker 3: take you if you really spend time to really aggressively

767
00:35:15,000 --> 00:35:17,799
Speaker 3: pay off that car loan debt, because it'll just make

768
00:35:17,840 --> 00:35:20,560
Speaker 3: you feel better to have it off your back. If

769
00:35:20,600 --> 00:35:23,680
Speaker 3: you did that, how long would you realistically how long

770
00:35:23,719 --> 00:35:26,160
Speaker 3: would it realistically take for you to do that? You know,

771
00:35:26,280 --> 00:35:28,319
Speaker 3: is it six months? Is it three months? Is it

772
00:35:28,360 --> 00:35:31,240
Speaker 3: two years? Because I don't think you'd want to neglect

773
00:35:31,280 --> 00:35:34,240
Speaker 3: your retirement savings for two years or your emergency savings

774
00:35:34,280 --> 00:35:37,440
Speaker 3: for two years necessarily, But if it's six months, then

775
00:35:37,440 --> 00:35:40,200
Speaker 3: maybe it's worth it for your like your emotional well

776
00:35:40,239 --> 00:35:42,640
Speaker 3: being to have that debt done and to feel good

777
00:35:42,680 --> 00:35:45,319
Speaker 3: about it. And then you know, after six months, your

778
00:35:45,320 --> 00:35:47,719
Speaker 3: auto loan is paid off, and then you can start

779
00:35:47,760 --> 00:35:50,520
Speaker 3: diverting more towards savings and then picking back up where

780
00:35:50,520 --> 00:35:56,959
Speaker 3: you left off, you know, with your student loans. I would, yeah,

781
00:35:57,120 --> 00:35:59,520
Speaker 3: just sit down and see what's realistic and how much

782
00:35:59,520 --> 00:36:02,520
Speaker 3: time you're really taking to pay out that auto loan debt.

783
00:36:03,160 --> 00:36:05,560
Speaker 3: But from your numbers, you know, thirty two thousand dollars

784
00:36:05,600 --> 00:36:08,839
Speaker 3: in student loan debt, six thousand on a car, I'm

785
00:36:08,880 --> 00:36:10,919
Speaker 3: not hearing, and you make twenty two hours to twenty

786
00:36:10,960 --> 00:36:13,560
Speaker 3: two dollars an hour. I'm not hearing any reasons specifically

787
00:36:13,600 --> 00:36:16,440
Speaker 3: to defer and like stop paying your student loans. It

788
00:36:16,440 --> 00:36:19,680
Speaker 3: seems like you should be able to keep up with those,

789
00:36:21,040 --> 00:36:22,759
Speaker 3: you know, as you work on your other goals at

790
00:36:22,760 --> 00:36:25,520
Speaker 3: the same time, because you know, when you defer, interest

791
00:36:25,520 --> 00:36:30,600
Speaker 3: still a cruise. I don't know any any thoughts from you,

792
00:36:30,680 --> 00:36:34,120
Speaker 3: Tiffany on like deferring student loans versus signing up for

793
00:36:34,200 --> 00:36:38,720
Speaker 3: income driven repayment plan, assuming she can if they're federal loans.

794
00:36:39,160 --> 00:36:42,800
Speaker 2: I mean I deferred, it's probably it's it's better than defaulting.

795
00:36:43,000 --> 00:36:46,759
Speaker 1: I'll say that. Okay, fair enough, so you know, I

796
00:36:48,080 --> 00:36:50,040
Speaker 1: you know, but I wish I would have known. I'm

797
00:36:50,040 --> 00:36:50,440
Speaker 1: not gonna lie.

798
00:36:50,440 --> 00:36:52,640
Speaker 2: I wish I would have known about income based for

799
00:36:52,719 --> 00:36:54,640
Speaker 2: payment because at the time I wasn't making twenty two

800
00:36:54,640 --> 00:36:56,080
Speaker 2: thousand an hour, So if I would have known, that

801
00:36:56,080 --> 00:36:59,480
Speaker 2: would have helped significantly. So when it comes to student loans,

802
00:36:59,520 --> 00:37:04,480
Speaker 2: you definitely wanted to explore, like okay, deferment, incomebation payment,

803
00:37:04,520 --> 00:37:06,719
Speaker 2: and even possible forgiveness. Those are the three things you

804
00:37:06,840 --> 00:37:09,440
Speaker 2: wanted to look up to see if there's anything you

805
00:37:09,440 --> 00:37:12,759
Speaker 2: can do, and then if there is no kind of

806
00:37:12,800 --> 00:37:15,480
Speaker 2: like help to alleviate your student loan payments and deferment

807
00:37:15,560 --> 00:37:19,080
Speaker 2: is definitely a good place to start if they're federal. So,

808
00:37:19,360 --> 00:37:21,000
Speaker 2: I mean, but it's not like I wish if I

809
00:37:21,000 --> 00:37:22,359
Speaker 2: would have known, because at one point I was making

810
00:37:22,440 --> 00:37:25,640
Speaker 2: zero dollars, my payment could have been zero dollars a month.

811
00:37:25,680 --> 00:37:27,279
Speaker 2: I didn't know that because I didn't apply for income

812
00:37:27,320 --> 00:37:27,880
Speaker 2: based payment.

813
00:37:27,920 --> 00:37:28,680
Speaker 1: I just deferred it.

814
00:37:29,280 --> 00:37:31,400
Speaker 2: And then I recruit all those additional interests and I'm like,

815
00:37:31,400 --> 00:37:33,440
Speaker 2: oh so now instead of owning fifty thousands, I owe

816
00:37:33,480 --> 00:37:33,960
Speaker 2: fifty two.

817
00:37:34,200 --> 00:37:36,440
Speaker 1: That's great because I still don't have any money.

818
00:37:36,719 --> 00:37:42,640
Speaker 3: Yeah, oh yeah, there's no perfect answer, sing, I mean,

819
00:37:42,719 --> 00:37:46,000
Speaker 3: hopefully we gave you some things to think about. I

820
00:37:46,680 --> 00:37:49,040
Speaker 3: think that. I mean, I think honestly taking a step back,

821
00:37:49,160 --> 00:37:52,719
Speaker 3: like your picture is not dire, like as dire as me.

822
00:37:52,840 --> 00:37:57,000
Speaker 3: I've definitely heard worse. You're young, you're earning a decent income.

823
00:37:57,280 --> 00:37:59,160
Speaker 3: You haven't said what your career is, but it sounds

824
00:37:59,239 --> 00:38:02,600
Speaker 3: like you're, you know, actually pretty good. You have a

825
00:38:02,680 --> 00:38:05,440
Speaker 3: high credit score. Your auto loan is six thousand, but

826
00:38:05,480 --> 00:38:08,040
Speaker 3: it doesn't. I mean, I've definitely know people with way

827
00:38:08,040 --> 00:38:10,440
Speaker 3: more autolone debt than that. Student loans the average is

828
00:38:10,440 --> 00:38:13,600
Speaker 3: about thirty thousand across America. So it seems like you're

829
00:38:13,640 --> 00:38:16,640
Speaker 3: right in that, just like you know, normal post college

830
00:38:16,680 --> 00:38:19,880
Speaker 3: grad debt thing, you're just feeling a little spread thin

831
00:38:19,960 --> 00:38:24,800
Speaker 3: when you're trying to prioritize stuff. Yeah, it's it's it's a,

832
00:38:24,960 --> 00:38:27,040
Speaker 3: it's a it's you. We've sort of told you, like

833
00:38:27,080 --> 00:38:28,440
Speaker 3: what to think about. I think you're just gonna have

834
00:38:28,440 --> 00:38:30,000
Speaker 3: to figure out what works for you and what makes

835
00:38:30,040 --> 00:38:33,640
Speaker 3: you feel good about, you know, financially, because there isn't

836
00:38:34,800 --> 00:38:37,120
Speaker 3: necessarily a wrong answer. The only wrong answer is to

837
00:38:37,120 --> 00:38:40,800
Speaker 3: stop paying anything, right, Yeah, like, go take a vacation

838
00:38:40,880 --> 00:38:43,400
Speaker 3: and go to them all and forget about things. Anything

839
00:38:43,440 --> 00:38:45,799
Speaker 3: you're doing, if it's attacking your debt or saving, is

840
00:38:45,800 --> 00:38:46,440
Speaker 3: the right answer.

841
00:38:46,520 --> 00:38:49,719
Speaker 1: So at least you know exactly. And I love that

842
00:38:49,760 --> 00:38:50,319
Speaker 1: you said that.

843
00:38:50,520 --> 00:38:53,719
Speaker 2: It's like those little like changes that you can make

844
00:38:54,000 --> 00:38:56,399
Speaker 2: because money is fluid, so there's no one right way

845
00:38:56,400 --> 00:38:59,000
Speaker 2: to do everything. It's just but doing something in the

846
00:38:59,040 --> 00:39:01,680
Speaker 2: right direction is something, and usually the next step.

847
00:39:01,440 --> 00:39:02,520
Speaker 1: Will start to reveal itself.

848
00:39:02,560 --> 00:39:05,759
Speaker 2: You're like, oh, Okay, now that I've done this, SE's

849
00:39:05,840 --> 00:39:07,560
Speaker 2: end up money here so I can make a different choice.

850
00:39:07,600 --> 00:39:09,359
Speaker 1: You won't always be here as long as you're moving

851
00:39:09,360 --> 00:39:09,720
Speaker 1: forward

852
00:39:10,760 --> 00:39:11,920
Speaker 3: Hey man, six friend,