WEBVTT - Ep. 136 – In Our Feelings

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<v Speaker 1>Hey, hey, hey, I'm back. I'm actually back and back home.

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<v Speaker 2>It's Tiffany and Mandy and this is Brown Ambitious.

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<v Speaker 3>How's it going.

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<v Speaker 2>Honestly, I'm so glad to be home because Essence Fest

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<v Speaker 2>was like the weekend before, and then this past weekend

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<v Speaker 2>I did Women Evolved, which was Sarah Jake Schrobert's first conference.

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<v Speaker 1>She's the daughter of T. D.

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<v Speaker 2>Jake's, the really popular bishop and religious leader. And it

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<v Speaker 2>was Honestly, the conference was amazing, but like just two

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<v Speaker 2>back to back really packed weekends where it's just it

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<v Speaker 2>was just a lot.

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<v Speaker 1>It is, but I have to say I met a

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<v Speaker 1>bunch of ba lists.

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<v Speaker 2>And literally, I mean, now I've started this thing which

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<v Speaker 2>is so funny because I'm not a hugger, but because

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<v Speaker 2>I say, oh, Mandy, people gave me a hug for you.

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<v Speaker 1>Now every time I need a listener.

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<v Speaker 3>Maybe because I don't know if you guys know this,

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<v Speaker 3>but she really is not a hugger.

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<v Speaker 1>Like no, I'm not.

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<v Speaker 3>If she might feel her tense up a little, it's

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<v Speaker 3>because she's thinking, ill, what if the change it to

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<v Speaker 3>like a this bump? Why do you set yourself up

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<v Speaker 3>like this?

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<v Speaker 1>I don't know, because you know what I mean.

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<v Speaker 2>Somebody actually gave me a hug and I wanted to

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<v Speaker 2>mention it, and then it was like, oh, so that's

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<v Speaker 2>the thing, and I'm like, oh, no, it's not the thing. Honestly,

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<v Speaker 2>I mean, I don't mind, because I get hugs like

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<v Speaker 2>on the budget n East Side, and so people are like, look,

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<v Speaker 2>I know you're not a hugger, but I'm gonna have

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<v Speaker 2>to hug you because you help me with like that.

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<v Speaker 1>So I mean, I accept it.

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<v Speaker 3>You know, keep the hugs, keep the love coming. Well

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<v Speaker 3>that's dope. Yeah, that sounds really exhausting. Not gonna lie.

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<v Speaker 3>I myself am very high profile auntie lately. So it

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<v Speaker 3>was a back to back kittie weekend for us. We

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<v Speaker 3>visited kids, We had kids over at the house. Well

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<v Speaker 3>we really wanted the parent. We wanted our friends and

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<v Speaker 3>now all of our friends have kids who were like

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<v Speaker 3>running around age like ages two to four. So they

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<v Speaker 3>came over to the house and then I realized, oh

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<v Speaker 3>my god, this is a lot. It was like, first

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<v Speaker 3>of all, no one was ever in the same room

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<v Speaker 3>together because some of them was always chasing one of

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<v Speaker 3>the children, where a child was always having a tantrum

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<v Speaker 3>and needed to be chased somewhere. So at one point

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<v Speaker 3>there was like a holy girl moment for ten minutes

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<v Speaker 3>when we were all in the backyard together, just all

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<v Speaker 3>the kids, all the grown ups, and it was it

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<v Speaker 3>was awesome, but definitely good birth control. I must say.

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<v Speaker 1>Yeah, kids are really exhausting.

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<v Speaker 2>Like I was going to visit my niece and my

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<v Speaker 2>nephew yesterday and then I was like, oh, let me

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<v Speaker 2>FaceTime them before I leave, And then watching them, I

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<v Speaker 2>was like, you know what, I.

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<v Speaker 1>Actually I'm going to stay home. I was tired.

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<v Speaker 2>And then just like like literally every time I said

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<v Speaker 2>hi to my nephew on FaceTime, he would zip into

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<v Speaker 2>the other.

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<v Speaker 1>Room and I'm like, what is she doing? He doing?

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<v Speaker 1>And she's like, girl, I mean, I mean he's just

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<v Speaker 1>running for dear life. As if you're no, there's no robber.

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<v Speaker 2>She just look like sitting on the couch. She's liked,

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<v Speaker 2>there's no rhyme or reason. It's just you say hi,

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<v Speaker 2>he picks off.

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<v Speaker 1>That's just what we do.

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<v Speaker 4>It's just.

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<v Speaker 1>Meanwhile, my niece who's barely one, Like the other day, my.

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<v Speaker 2>Sister said, she crawled over to her, handed her the

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<v Speaker 2>remote and said TV was like I don't know whether

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<v Speaker 2>to be proud or shame, Like do we watch that

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<v Speaker 2>much TV?

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<v Speaker 1>She was like, she only says like three words, and

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<v Speaker 1>now one of them is TV. She's like, and why

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<v Speaker 1>do it? Was the right remote?

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<v Speaker 2>You know how you have like three TV remote? She's like,

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<v Speaker 2>I'm clear on the I'm clear on what I want.

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<v Speaker 1>Thanks.

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<v Speaker 3>I witnessed the power of the smartphone. I'm telling you

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<v Speaker 3>when those ten minutes we were all together, it was

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<v Speaker 3>brought to you by Apple, Android and other devices because

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<v Speaker 3>that was the only way at a certain point. I

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<v Speaker 3>just watched the light in their eyes go out. The

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<v Speaker 3>parents and they just gave up. They're like, fine, I'm

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<v Speaker 3>just bring out the cell phone. Exactly what else is happening?

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<v Speaker 4>Ooh?

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<v Speaker 3>I had an interesting call today. We're thinking about using

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<v Speaker 3>like one of these new home what's the word like,

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<v Speaker 3>not interior design but interior stylist services. Now they have

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<v Speaker 3>all these they have all these new businesses where they

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<v Speaker 3>sort of have made it easier for, you know, everyday

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<v Speaker 3>people to hire an interior designer, so someone to help

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<v Speaker 3>you pick out They can do everything as little as

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<v Speaker 3>just help you pick out furniture, but they can go

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<v Speaker 3>deeper and help you pick out cabinets and fixtures and

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<v Speaker 3>lighting and all that kind of stuff. And for me,

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<v Speaker 3>I figured it was smart the same way that it

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<v Speaker 3>was smart when we got our financial planner to help

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<v Speaker 3>us kind of be the middleman because we may disagree

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<v Speaker 3>on stuff, and I always liked having an independent third

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<v Speaker 3>party like mediator. So for me, when we're like, we're

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<v Speaker 3>doing a lot all at once, you know, trying to

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<v Speaker 3>plan how the house is going to look, and I

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<v Speaker 3>have a heart, I'm like already overwhelmed thinking about, okay,

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<v Speaker 3>the backslash in the kitchen and how's it with the

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<v Speaker 3>bathroom tile, and like I need someone to sort of

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<v Speaker 3>help not just keep the peace between us as we

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<v Speaker 3>try and merge our styles, but also yeah, I just

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<v Speaker 3>keep tabs on like the high level and then talk

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<v Speaker 3>to the contractor about, you know, stuff and order stuff.

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<v Speaker 3>So we're looking at a couple of different places, okay,

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<v Speaker 3>And the first one that I've talked to is called

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<v Speaker 3>home Polish, and I've heard good things about them. They

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<v Speaker 3>used to charge an hourly rate something like one hundred

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<v Speaker 3>and forty dollars an hour for their services. But when

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<v Speaker 3>I talked to them today and I was a little

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<v Speaker 3>weary of that because I don't like I feel like

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<v Speaker 3>that would make it feel almost as if you're working

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<v Speaker 3>with an attorney. You know, Oh, I sent home polish

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<v Speaker 3>an email, so now I'm going to get billed, you know,

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<v Speaker 3>for half an hour or whatever. But when I actually

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<v Speaker 3>talked to them, and the girl was super nice today

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<v Speaker 3>and asked a lot of questions, and it was just

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<v Speaker 3>like the introductory call to learn a little bit about

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<v Speaker 3>and then they refer you to one of their designers

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<v Speaker 3>and then you have an additional like meeting at your

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<v Speaker 3>house with them. But they change their business, they change

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<v Speaker 3>their their payment model now so it's just a flat

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<v Speaker 3>rate that you pay the designer, which I just think

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<v Speaker 3>that's so much better because then you just know up front,

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<v Speaker 3>here's how much is going to cost, and it includes everything,

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<v Speaker 3>and you don't have to feel bad about calling them

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<v Speaker 3>or you know, them spending an extra half an hour

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<v Speaker 3>with you, I don't know, picking out pillows or whatever

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<v Speaker 3>they do.

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<v Speaker 2>No, I like that, and honestly, I like, like, thankfully,

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<v Speaker 2>you know, we have a blue design and development so Rihanna,

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<v Speaker 2>who's the wife's side of the team, she's doing that

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<v Speaker 2>for us, thank goodness, and then you know her husband's

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<v Speaker 2>doing the project management. But because honestly, I'm not gonna lie,

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<v Speaker 2>I have no idea, Like I'm not I don't have

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<v Speaker 2>a good eye for things like that.

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<v Speaker 1>You know.

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<v Speaker 2>I'm the type of person that like when I see

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<v Speaker 2>it and I like it, I'm like, I like it,

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<v Speaker 2>but i have no idea how we got here.

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<v Speaker 1>So I'm excited for that.

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<v Speaker 3>Also, do you ever feel like, I don't know living

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<v Speaker 3>in New York or anyone who's ever if you've ever

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<v Speaker 3>been a if you've been a serial renter. It's one

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<v Speaker 3>of the questions she asked me was, what's what do

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<v Speaker 3>you like to shop for home furnishings? And I'm like, honestly,

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<v Speaker 3>I'm tired of West Elm and I'm sick of Ikea.

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<v Speaker 3>I don't know what else is out there because I've

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<v Speaker 3>only been renting, and I never really cared to learn

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<v Speaker 3>because no one wants to invest a lot of money

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<v Speaker 3>in into a rental. So I'm also interested to learn

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<v Speaker 3>about new places to shop or like, where are the

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<v Speaker 3>grown ups by their furniture? I don't know to get

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<v Speaker 3>me out of that, you know, Western because everyone's place

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<v Speaker 3>looks the same. If you like everyone's shops at the

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<v Speaker 3>same three places when they're renting, and I'm just like,

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<v Speaker 3>take me somewhere different. Also, take me somewhere.

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<v Speaker 1>Cheaper, exactly.

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<v Speaker 3>I'm excited some wholesale discounts, and.

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<v Speaker 1>That's what I'm excited.

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<v Speaker 2>There's a lot of like Chile wholesalers and like just

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<v Speaker 2>in Jersey there's I've noticed. It's just like I you know,

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<v Speaker 2>I never really looked before, but as I drive through,

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<v Speaker 2>I'm like, oh, look, granted wholesalers and this, and so

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<v Speaker 2>I'm excited to kind of like do like some high

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<v Speaker 2>low like put the money where it really matters and

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<v Speaker 2>then cut back the places where it doesn't matter as much.

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<v Speaker 1>Yeah. So yep.

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<v Speaker 2>And then I'm definitely going to be reaching out to

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<v Speaker 2>my online family, like anybody know anybody got a discount

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<v Speaker 2>at so be prepared.

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<v Speaker 3>Yeah, I mean, I want to hear if anyone any

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<v Speaker 3>of our listeners, have you ever used a home polish

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<v Speaker 3>Or's also this website called decor I was looking at.

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<v Speaker 3>I might check them out as well. If you've ever

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<v Speaker 3>used one of these, like I don't know, on demand

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<v Speaker 3>interior design services, let me know. Let me know how

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<v Speaker 3>you liked your experience. Tweet us at the BA podcast

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<v Speaker 3>or yeah, that's probably the best way to tweet us

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<v Speaker 3>out the BA podcast, or you can send us an

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<v Speaker 3>email at Briananmission Podcast at gmail dot com dot com.

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<v Speaker 1>Speaking of tweets, you want to look at these tweets

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<v Speaker 1>streets you.

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<v Speaker 3>Like how I just handed you that segue I.

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<v Speaker 1>Did because I told her, God, you canna have the

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<v Speaker 1>worst memory. I was like, oh, that's right.

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<v Speaker 2>Honestly, I love that you guys are starting to tweet

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<v Speaker 2>us more. Remember our Twitter is at the BA podcast.

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<v Speaker 1>So Shana J.

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<v Speaker 2>Her Twitter hander is at Foxy with two x's y J.

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<v Speaker 1>Underscore eighty five? Girl were you born? Eighty five? You

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<v Speaker 1>young girl? When were you born? Mandy?

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<v Speaker 3>I mean, you're gonna ask a woman her age on

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<v Speaker 3>Girl Live podcast.

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<v Speaker 2>Manny is like a true millennial. She's like fourteen anyway.

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<v Speaker 1>So Shana J.

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<v Speaker 2>She wrote love listening to at the BA podcast on

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<v Speaker 2>my drive to work because I always get inspired to

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<v Speaker 2>do my budget while I'm on break love y'all. Oh

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<v Speaker 2>we love you too, Shaea. And there was another one

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<v Speaker 2>that I thought was really nice. Hank Green, who I'm

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<v Speaker 2>not sure what he does. Yes, he he's got the

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<v Speaker 2>blue checks. I'm like, thank you somebody. So Hank wrote,

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<v Speaker 2>he just wrote a post saying he's a white guy.

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<v Speaker 2>He wrote, your favorite podcasters who aren't white guys?

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<v Speaker 1>Go and Emily and Ithaca.

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<v Speaker 3>Wait, we need to tell him who are favorite podcasters

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<v Speaker 3>who aren't white?

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<v Speaker 1>Are you know?

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<v Speaker 2>And that's what Emily and she replied, Oh okay, so

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<v Speaker 2>that's what really shouting at Emily Emily and Ithaca. Her

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<v Speaker 2>her handle is HbF fights Nazis. Oh okay, well.

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<v Speaker 3>Hey Emily and so I guess we support that.

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<v Speaker 2>So Emily wrote, Brian Ambition, it's such a great podcast

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<v Speaker 2>about money and more so you're fighting the Nazis and

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<v Speaker 2>you're listening to Brann and Bish.

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<v Speaker 1>We love you. So that's an in my Twitter, my

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<v Speaker 1>Twitter tweets I love so what about you? Yeah.

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<v Speaker 3>I see a lot of people on Instagram give a

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<v Speaker 3>shout outs when people ask them who their favorite podcasts are.

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<v Speaker 3>So thank you guys. I should start shouting you guys out.

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<v Speaker 3>But appreciate the love on the Gram. I have to say,

0:10:15.559 --> 0:10:17.520
<v Speaker 3>I think I know what the secret sauces to getting

0:10:17.600 --> 0:10:20.360
<v Speaker 3>likes on Instagram from our listeners. Just post something about

0:10:20.400 --> 0:10:23.920
<v Speaker 3>living signal single that's all you need because like, by far,

0:10:23.960 --> 0:10:26.439
<v Speaker 3>our most popular posts over the last couple of weeks

0:10:26.440 --> 0:10:31.640
<v Speaker 3>has been this picture from Eric Alexander featuring I don't

0:10:31.640 --> 0:10:34.640
<v Speaker 3>even know his real name who plays Kyle on on

0:10:34.800 --> 0:10:38.480
<v Speaker 3>Living Single? It doesn't matter anyway. Max and Kyle got

0:10:38.559 --> 0:10:41.200
<v Speaker 3>back together for the gram and I posted on an

0:10:41.200 --> 0:10:45.040
<v Speaker 3>Instagram page and our listeners went batshit crazy one hundred

0:10:45.080 --> 0:10:48.839
<v Speaker 3>over one hundred and sixty likes, and uh listener a

0:10:49.000 --> 0:10:52.760
<v Speaker 3>fod doju a fao jew said, looking like fine, why

0:10:52.920 --> 0:10:55.719
<v Speaker 3>does anyone remember when Kyle sang over ten in Sinclair's

0:10:55.760 --> 0:10:58.400
<v Speaker 3>wedding but was looking at Max sad face sad face?

0:10:58.880 --> 0:10:59.480
<v Speaker 1>No, I don't.

0:10:59.520 --> 0:11:02.600
<v Speaker 3>But okay, first of all, you need to revisit this

0:11:02.679 --> 0:11:06.760
<v Speaker 3>episode because it is like a masterclass in bad nineties

0:11:07.000 --> 0:11:12.120
<v Speaker 3>like mood lighting and soft filter. It is so bad.

0:11:12.160 --> 0:11:15.280
<v Speaker 3>And also just any any show in the nineties of

0:11:15.320 --> 0:11:18.360
<v Speaker 3>like a wedding scene the outfits are hi there. Well,

0:11:19.720 --> 0:11:22.520
<v Speaker 3>this is a classic episode. I do remember when he's

0:11:22.559 --> 0:11:25.960
<v Speaker 3>sang my funny Valentine, though, I mean, how can you forget?

0:11:26.480 --> 0:11:27.280
<v Speaker 3>Did you forget it?

0:11:27.679 --> 0:11:29.359
<v Speaker 1>I did you know what? It's so crazy?

0:11:29.640 --> 0:11:32.040
<v Speaker 2>I know my memory, I know you know what it

0:11:32.080 --> 0:11:35.280
<v Speaker 2>is I don't watch the rewe don't have Hulu. Yeah,

0:11:35.320 --> 0:11:36.800
<v Speaker 2>well I do, but I guess I haven't watched the

0:11:36.840 --> 0:11:38.360
<v Speaker 2>rewnth and I need to. I'm gonna get back into

0:11:38.360 --> 0:11:39.840
<v Speaker 2>because honestly, I love Living Single.

0:11:40.000 --> 0:11:43.280
<v Speaker 3>You need to watch the refunds. I've got my husband

0:11:43.280 --> 0:11:45.320
<v Speaker 3>hooked on it too. It's so funny. Sometimes I come

0:11:45.360 --> 0:11:48.319
<v Speaker 3>in the room, he's just watching episodes by himself. Oh,

0:11:48.920 --> 0:11:51.400
<v Speaker 3>they age so well. These episodes are so good. No,

0:11:51.440 --> 0:11:53.680
<v Speaker 3>I'm not gonna lie because I don't know when the

0:11:53.720 --> 0:11:55.439
<v Speaker 3>show was on. If you missed it, you missed it,

0:11:55.520 --> 0:11:57.520
<v Speaker 3>right unless you got a VHS tape and you could

0:11:57.520 --> 0:12:00.360
<v Speaker 3>record stuff. There was no DVR, so for me, there's

0:12:00.360 --> 0:12:03.040
<v Speaker 3>so many episodes I never saw. Yes, you're right now,

0:12:03.120 --> 0:12:05.160
<v Speaker 3>I don't think I saw the entire last season. I

0:12:05.200 --> 0:12:06.160
<v Speaker 3>never knew what happened.

0:12:06.679 --> 0:12:07.520
<v Speaker 1>Yeah, no, you're right.

0:12:07.600 --> 0:12:09.480
<v Speaker 2>I was thinking about that because you're because they don't

0:12:09.520 --> 0:12:11.280
<v Speaker 2>do the replays like they do with other shows, like

0:12:11.320 --> 0:12:14.160
<v Speaker 2>obviously like Golden Girls, which you know plays all the time.

0:12:14.600 --> 0:12:16.520
<v Speaker 1>But so if you miss it, you missed it. And

0:12:16.520 --> 0:12:17.920
<v Speaker 1>that's why I'm like missing out on a lot.

0:12:18.000 --> 0:12:19.520
<v Speaker 2>But you know what, I'm gonna make that my mission

0:12:19.559 --> 0:12:21.080
<v Speaker 2>because that night when I kind of go to sleep,

0:12:21.480 --> 0:12:24.640
<v Speaker 2>I need some an injection of good TV.

0:12:24.920 --> 0:12:26.000
<v Speaker 1>So that'll be my go to.

0:12:26.440 --> 0:12:28.640
<v Speaker 3>It's a good tonic for the soul after everything that

0:12:28.679 --> 0:12:30.000
<v Speaker 3>you read all day, I have to say, it's like

0:12:30.040 --> 0:12:33.960
<v Speaker 3>twenty four minutes, perfect little, perfect little cure for the

0:12:34.440 --> 0:12:37.640
<v Speaker 3>for the blues. And anyway, they're looking amazing. If you

0:12:37.640 --> 0:12:39.319
<v Speaker 3>guys want to see the picture I'm talking about, go

0:12:39.360 --> 0:12:42.920
<v Speaker 3>to Instagram. Fine us at Brown Ambisson Podcast on Instagram.

0:12:43.280 --> 0:12:45.880
<v Speaker 3>You can see the beautiful couple. I don't think they've

0:12:45.920 --> 0:12:48.320
<v Speaker 3>aged at all, except Kyle has a little gray hair.

0:12:48.480 --> 0:12:49.400
<v Speaker 3>But they look amazing.

0:12:49.720 --> 0:12:50.800
<v Speaker 1>Yeah, they do look amazing.

0:12:50.920 --> 0:13:05.280
<v Speaker 4>Yeah.

0:13:05.320 --> 0:13:09.720
<v Speaker 2>Are you ready to boost and break or boost and break?

0:13:09.720 --> 0:13:11.160
<v Speaker 1>It's funny because I have a boost, I have a

0:13:11.160 --> 0:13:11.760
<v Speaker 1>boost break.

0:13:12.200 --> 0:13:15.200
<v Speaker 3>You go first this week, but I'm ready. I'm ready

0:13:15.200 --> 0:13:15.440
<v Speaker 3>for you.

0:13:15.960 --> 0:13:21.080
<v Speaker 2>So mine is so random and so what So have

0:13:21.240 --> 0:13:25.360
<v Speaker 2>you seen the shiggy dance or aka the in my

0:13:25.400 --> 0:13:26.120
<v Speaker 2>Feelings Dance?

0:13:26.880 --> 0:13:27.080
<v Speaker 4>Oh?

0:13:27.240 --> 0:13:29.280
<v Speaker 3>Yes, I don't know what a shiggy is, but I

0:13:29.280 --> 0:13:32.120
<v Speaker 3>do know. I am like, yeah, I watched Will Smith's

0:13:32.200 --> 0:13:35.800
<v Speaker 3>had the best Yes, I think and I feel challenge right.

0:13:35.760 --> 0:13:42.319
<v Speaker 1>So, Kiki, do you love me? Are you Ridingside.

0:13:43.840 --> 0:13:45.240
<v Speaker 3>His album has been out for a week. I don't

0:13:45.240 --> 0:13:47.360
<v Speaker 3>know the words yet. Sorry, yes, no me either.

0:13:47.400 --> 0:13:48.120
<v Speaker 1>No one knows that part.

0:13:48.200 --> 0:13:51.920
<v Speaker 2>So anyway, that dance started from a young Instagram comedian

0:13:52.400 --> 0:13:54.360
<v Speaker 2>named I don't know what is your name is, but

0:13:54.400 --> 0:13:57.320
<v Speaker 2>like on Instagram, his name is the Shiggy Show and

0:13:57.360 --> 0:13:59.719
<v Speaker 2>he's hilarious. And what I like about him is that,

0:13:59.800 --> 0:14:02.160
<v Speaker 2>like his whole premise was like I'm from New York

0:14:02.160 --> 0:14:04.640
<v Speaker 2>and instead of being like this hard New York guy,

0:14:05.280 --> 0:14:08.800
<v Speaker 2>I'm happy and I dance and he's super silly. So

0:14:09.200 --> 0:14:13.720
<v Speaker 2>he started a dance to that song and it just

0:14:13.880 --> 0:14:16.680
<v Speaker 2>took took over the interwebs.

0:14:16.679 --> 0:14:19.640
<v Speaker 3>And so it wasn't Sierra. I thought I was Cierra.

0:14:20.040 --> 0:14:22.840
<v Speaker 2>No, so they started, Yeah, they started doing it as

0:14:22.840 --> 0:14:24.720
<v Speaker 2>a result, like because, like I said, he's known for

0:14:24.760 --> 0:14:27.160
<v Speaker 2>like his silly dancing and like always being joyful and

0:14:27.200 --> 0:14:30.120
<v Speaker 2>smiling and like the opposite of typically like you would

0:14:30.120 --> 0:14:32.520
<v Speaker 2>think like a queen's dude, like you know, so he

0:14:32.600 --> 0:14:33.840
<v Speaker 2>kind of is like I'm the opposite of that.

0:14:33.960 --> 0:14:36.440
<v Speaker 1>I'm I'm happy, I'm smiling, and I'm not mad at anybody.

0:14:37.160 --> 0:14:38.960
<v Speaker 1>And so he actually.

0:14:38.680 --> 0:14:40.720
<v Speaker 2>Because you know, that song is not I mean it's

0:14:40.760 --> 0:14:43.080
<v Speaker 2>a fun song, but I didn't really think about it

0:14:43.160 --> 0:14:45.480
<v Speaker 2>until I saw the Shaky Dance craze.

0:14:45.520 --> 0:14:47.680
<v Speaker 1>So he's been on every type of radio show, TV

0:14:48.480 --> 0:14:50.040
<v Speaker 1>and one of the big things.

0:14:50.040 --> 0:14:52.440
<v Speaker 2>So this is my brown My brown break is kind

0:14:52.440 --> 0:14:54.400
<v Speaker 2>of like, Okay, I'm over the dagone.

0:14:54.000 --> 0:14:55.120
<v Speaker 1>Kiki, are you writing?

0:14:56.080 --> 0:14:59.160
<v Speaker 2>But my brown boost is for him because he just

0:14:59.240 --> 0:15:02.600
<v Speaker 2>posted a picture on ig three hours ago because people

0:15:02.600 --> 0:15:05.480
<v Speaker 2>were like, yo, Drake needs to acknowledge you. You know,

0:15:05.720 --> 0:15:07.960
<v Speaker 2>like you did this, you blew up his songs. He

0:15:08.080 --> 0:15:09.920
<v Speaker 2>just posted a picture with Drake. And when I tell

0:15:09.920 --> 0:15:11.400
<v Speaker 2>you to smile on his face, Mandy, it is.

0:15:11.400 --> 0:15:15.040
<v Speaker 3>So he met Drake. He I mean, Drake should be

0:15:15.120 --> 0:15:15.960
<v Speaker 3>paying him.

0:15:16.240 --> 0:15:16.560
<v Speaker 1>I know.

0:15:16.640 --> 0:15:20.840
<v Speaker 2>But it is so amazing because through this he got

0:15:20.840 --> 0:15:22.600
<v Speaker 2>his blue check on Instagram.

0:15:22.880 --> 0:15:23.000
<v Speaker 1>Yo.

0:15:23.200 --> 0:15:25.960
<v Speaker 2>The look on his face if you get it, if

0:15:26.000 --> 0:15:28.280
<v Speaker 2>you're by your pro Mandy, just type in the Shiggy

0:15:28.280 --> 0:15:30.880
<v Speaker 2>show and the look on his face, he looks like

0:15:30.960 --> 0:15:34.320
<v Speaker 2>he's like my life. I'm just like he won, like

0:15:34.880 --> 0:15:38.200
<v Speaker 2>he won the Life the Life Award, and everyone has

0:15:38.240 --> 0:15:41.200
<v Speaker 2>been following his like kind of like success, I guess

0:15:41.200 --> 0:15:43.800
<v Speaker 2>with this kind of challenge, and everybody's been rooting him

0:15:43.840 --> 0:15:46.040
<v Speaker 2>on and he's just been so grateful and it's just

0:15:46.080 --> 0:15:47.560
<v Speaker 2>really cute. So I just wanted to do a brown,

0:15:47.680 --> 0:15:49.720
<v Speaker 2>a brown boost to that, I mean, a break from

0:15:49.800 --> 0:15:51.960
<v Speaker 2>I'm tired of the Dagon song. I get it the challenge,

0:15:52.080 --> 0:15:55.160
<v Speaker 2>but a boost for someone who you know, been using

0:15:55.240 --> 0:15:58.840
<v Speaker 2>Instagram to right to make people smile and as a result,

0:15:58.880 --> 0:16:00.640
<v Speaker 2>look at you you know, you know know, maybe he'll

0:16:00.640 --> 0:16:01.200
<v Speaker 2>be in the video.

0:16:01.840 --> 0:16:05.320
<v Speaker 3>Yeah, he needs to get paid like free promotions.

0:16:05.400 --> 0:16:07.880
<v Speaker 2>Sorry, and no it is no, you're right because honestly,

0:16:07.960 --> 0:16:10.600
<v Speaker 2>people weren't thinking about that song until that came out.

0:16:10.640 --> 0:16:12.280
<v Speaker 1>In it blew that song out of the water.

0:16:15.160 --> 0:16:17.480
<v Speaker 3>I'm not tired of it yet. Sorry, it's in my

0:16:17.560 --> 0:16:21.040
<v Speaker 3>head man, Okay. I don't know what to boost or

0:16:21.160 --> 0:16:25.480
<v Speaker 3>break first. Maybe should I break the CBS workers who

0:16:25.520 --> 0:16:27.640
<v Speaker 3>called the cops on a black woman who just tried

0:16:27.640 --> 0:16:31.600
<v Speaker 3>to use damn coupons? Or should I do a boost

0:16:31.680 --> 0:16:35.960
<v Speaker 3>for the one last standing blockbuster in America, which Washington

0:16:36.000 --> 0:16:38.280
<v Speaker 3>Post wrote about this week. I don't know which. I

0:16:38.280 --> 0:16:40.760
<v Speaker 3>think I might do CVS. I'm leaning towards CVS because

0:16:40.760 --> 0:16:42.320
<v Speaker 3>I just want to say something about.

0:16:42.080 --> 0:16:43.320
<v Speaker 1>This, Yes do that.

0:16:43.520 --> 0:16:46.080
<v Speaker 3>I love that these stories are becoming part of mainstream news,

0:16:46.080 --> 0:16:48.120
<v Speaker 3>Like it's like every news outlet wants to have their

0:16:48.160 --> 0:16:50.640
<v Speaker 3>story to make it go viral. But I also feel

0:16:50.640 --> 0:16:52.680
<v Speaker 3>like it's one of these cases where this is not

0:16:52.840 --> 0:16:56.560
<v Speaker 3>anything that's new. I feel like it's been happening for

0:16:56.640 --> 0:16:58.840
<v Speaker 3>a long, long, long long time. I was just I

0:16:58.880 --> 0:17:00.880
<v Speaker 3>don't know, like a little bit but also a little

0:17:00.920 --> 0:17:03.520
<v Speaker 3>bit glad that there's things like cell phones today and

0:17:03.560 --> 0:17:07.159
<v Speaker 3>people are shining a light on these crazy and pointless

0:17:08.320 --> 0:17:12.640
<v Speaker 3>instances of racism where just like every day when you're

0:17:12.680 --> 0:17:16.000
<v Speaker 3>walking around being a certain color, you do something and

0:17:16.000 --> 0:17:18.400
<v Speaker 3>you're treated entirely differently. It's it's insane.

0:17:19.119 --> 0:17:22.359
<v Speaker 2>Like when I saw I was like, wait, I see

0:17:22.760 --> 0:17:26.520
<v Speaker 2>for a coupon, not for like you you know. I

0:17:26.560 --> 0:17:29.240
<v Speaker 2>just I was like, this can't be real because because

0:17:29.280 --> 0:17:32.160
<v Speaker 2>you're saying it's a fraudulent coupon, like what.

0:17:32.920 --> 0:17:34.440
<v Speaker 3>This No, No, this coupon's too good.

0:17:34.960 --> 0:17:35.160
<v Speaker 1>No.

0:17:35.359 --> 0:17:37.359
<v Speaker 2>And even let's just say, even if it was, what

0:17:37.400 --> 0:17:38.640
<v Speaker 2>does that have to do with the police, Like, well, man,

0:17:38.640 --> 0:17:39.600
<v Speaker 2>we're not taking this coupon?

0:17:40.160 --> 0:17:41.600
<v Speaker 1>I mean you know what I mean, he was the

0:17:41.680 --> 0:17:43.640
<v Speaker 1>guy was shaking calling the police.

0:17:43.800 --> 0:17:47.240
<v Speaker 3>So I list in Chicago too. You wouldn't even think

0:17:47.280 --> 0:17:49.840
<v Speaker 3>normally of sugar. And if you're thinking this word, this

0:17:49.880 --> 0:17:51.680
<v Speaker 3>would happen, and you know in the US, I don't

0:17:51.680 --> 0:17:55.680
<v Speaker 3>think I would necessarily think Chicago, but that would happen, Like.

0:17:55.600 --> 0:17:56.840
<v Speaker 1>You know there's black people in Chicago.

0:17:56.880 --> 0:17:59.119
<v Speaker 2>This should be the first encounter and then two, Like

0:17:59.119 --> 0:18:00.800
<v Speaker 2>it did a little digging because you know, now his

0:18:00.880 --> 0:18:04.160
<v Speaker 2>hashtag is coupon Karl, which is hilarious. You know they

0:18:04.160 --> 0:18:07.479
<v Speaker 2>have what is that the barbecue hashtag? There's like they

0:18:07.520 --> 0:18:09.760
<v Speaker 2>have one like petty Patty, like for one of that.

0:18:09.840 --> 0:18:11.960
<v Speaker 2>I think that the woman who called the guy called

0:18:11.960 --> 0:18:14.119
<v Speaker 2>the cops and the guy having the barbecue. Yea, I forget,

0:18:14.320 --> 0:18:16.520
<v Speaker 2>I forget the water one's name, what her name was,

0:18:16.640 --> 0:18:19.320
<v Speaker 2>but anyway, they've got this fun like you know, hashtag

0:18:20.760 --> 0:18:24.720
<v Speaker 2>and so so a coupon Karl is shaking and he's

0:18:24.760 --> 0:18:26.640
<v Speaker 2>describing her and she was like, no, you can say

0:18:26.640 --> 0:18:28.920
<v Speaker 2>I'm black. Black is not a bad thing. I'm in here.

0:18:29.000 --> 0:18:31.159
<v Speaker 2>I have a coupon that's legitimate. I don't understand why

0:18:31.240 --> 0:18:33.760
<v Speaker 2>calling the police is necessary because it's not. And the

0:18:33.760 --> 0:18:36.320
<v Speaker 2>police were like, yeah, I mean he's allowed to ask

0:18:36.359 --> 0:18:38.560
<v Speaker 2>you to leave the store, but like, why are we here?

0:18:38.640 --> 0:18:42.800
<v Speaker 2>People are dying legitimately, and we're here because she's using

0:18:42.800 --> 0:18:44.679
<v Speaker 2>a coupon that you don't think it's real. And he

0:18:44.720 --> 0:18:48.720
<v Speaker 2>got fired, and rightfully so him and whoever was below

0:18:48.840 --> 0:18:51.119
<v Speaker 2>him who like escalated it up to him and refused

0:18:51.119 --> 0:18:54.480
<v Speaker 2>to take her coupon, they got fired. And after a

0:18:54.480 --> 0:18:57.280
<v Speaker 2>little digging, I think I read somewhere that of course

0:18:57.280 --> 0:19:00.359
<v Speaker 2>he's a Trump supporter because you know, but what ever,

0:19:00.680 --> 0:19:04.560
<v Speaker 2>he's running for some sort of office, and he was

0:19:04.680 --> 0:19:08.199
<v Speaker 2>like under suspicion of like I guess, patting the ballots

0:19:08.280 --> 0:19:10.320
<v Speaker 2>or something like that. I'm like, oh, so I can't

0:19:10.359 --> 0:19:12.520
<v Speaker 2>use a coupon you don't recognize, but you could try

0:19:12.560 --> 0:19:13.320
<v Speaker 2>to cheat an election.

0:19:13.640 --> 0:19:16.760
<v Speaker 3>Yeah, oh god, I didn't do all that extra investigation.

0:19:16.880 --> 0:19:21.960
<v Speaker 1>Look at you. I can't read. It was all in

0:19:22.000 --> 0:19:23.960
<v Speaker 1>my timeline. So I was just like, oh my goodness.

0:19:24.200 --> 0:19:27.040
<v Speaker 3>And the woman who was someone called the cops on

0:19:27.080 --> 0:19:30.800
<v Speaker 3>her for visiting like a pool in a gated community

0:19:30.840 --> 0:19:32.879
<v Speaker 3>with her son, a black woman and her and her

0:19:32.920 --> 0:19:36.000
<v Speaker 3>son like that. I had just that was the week

0:19:36.080 --> 0:19:38.760
<v Speaker 3>before my friends and I did that that quote unquote

0:19:38.800 --> 0:19:43.160
<v Speaker 3>camping trip for fourth of July, and there was same thing.

0:19:43.200 --> 0:19:45.280
<v Speaker 3>It was like we rented an Airbnb in a really

0:19:45.400 --> 0:19:48.920
<v Speaker 3>nice like community and by this lake and Pennsylvania anyway,

0:19:49.240 --> 0:19:51.840
<v Speaker 3>they have a really cool community center with like games

0:19:51.920 --> 0:19:54.840
<v Speaker 3>and with a pool. And my friends we were every

0:19:54.960 --> 0:19:59.480
<v Speaker 3>shade of the rainbow, black, white, Indian, blonde, brown, Dominican,

0:19:59.560 --> 0:20:02.000
<v Speaker 3>like rever very diverse group. And when we roll up

0:20:02.040 --> 0:20:05.000
<v Speaker 3>on these campsite sometimes we joke about like, oh here,

0:20:05.080 --> 0:20:07.440
<v Speaker 3>everyone's like freaking out because here comes a brown campsite

0:20:07.520 --> 0:20:10.480
<v Speaker 3>or whatever. But when we went to the community center

0:20:10.560 --> 0:20:13.439
<v Speaker 3>just to play some games, you know, we walked in.

0:20:13.720 --> 0:20:15.960
<v Speaker 3>We didn't we walked in. You had to like buy

0:20:15.960 --> 0:20:18.240
<v Speaker 3>a wristband or if you're a guest, you know, you

0:20:18.280 --> 0:20:20.359
<v Speaker 3>pay six bucks for a wristband to get access to

0:20:20.359 --> 0:20:23.000
<v Speaker 3>the pool and to the games or whatnot. And we

0:20:23.040 --> 0:20:25.800
<v Speaker 3>walked back. We passed all these people to go to

0:20:25.840 --> 0:20:27.760
<v Speaker 3>the gamer and we weren't the only people there. But

0:20:29.040 --> 0:20:31.760
<v Speaker 3>about fifteen minutes after we were there, this woman pokes

0:20:31.760 --> 0:20:33.719
<v Speaker 3>her head in. It's not you know, very nice, very

0:20:33.800 --> 0:20:35.840
<v Speaker 3>nice smile, pokes her head and looks like she's ready

0:20:35.880 --> 0:20:38.600
<v Speaker 3>to raise her hand and be like you guys haven't paid,

0:20:38.640 --> 0:20:41.000
<v Speaker 3>you know, why are you here? And then like without

0:20:41.080 --> 0:20:43.240
<v Speaker 3>even saying anything or coordinating it. We all just kind

0:20:43.240 --> 0:20:45.480
<v Speaker 3>of like lift our hands up and show the wristband,

0:20:45.840 --> 0:20:50.359
<v Speaker 3>like we paid to get in here, buy yeah, and

0:20:50.600 --> 0:20:52.520
<v Speaker 3>you know, you never it's it's hard to put a

0:20:52.520 --> 0:20:55.800
<v Speaker 3>finger on racism. You could say, oh, maybe I'm projecting

0:20:55.840 --> 0:20:59.080
<v Speaker 3>my own you know, projecting onto that woman. The fact

0:20:59.080 --> 0:21:00.640
<v Speaker 3>that she came back there because we were a room

0:21:00.640 --> 0:21:02.960
<v Speaker 3>full of brown people in a largely white, you know,

0:21:03.040 --> 0:21:06.720
<v Speaker 3>community center. That's that's when it becomes tricky. And it

0:21:06.720 --> 0:21:10.040
<v Speaker 3>didn't it didn't escalate to this point as it does

0:21:10.040 --> 0:21:13.840
<v Speaker 3>in video. But yeah, it's it's it's just imagine like

0:21:13.880 --> 0:21:16.080
<v Speaker 3>how uncomfortable is people in those shoes. I don't have

0:21:16.119 --> 0:21:19.040
<v Speaker 3>to tell you or anyone else listening probably to imagine that.

0:21:19.119 --> 0:21:21.480
<v Speaker 3>But that's yeah, that's that's what happens when you just

0:21:21.520 --> 0:21:23.240
<v Speaker 3>walk through the world that you look a little bit different.

0:21:24.160 --> 0:21:26.240
<v Speaker 2>Yeah, no, it is because you don't want to be

0:21:26.280 --> 0:21:29.440
<v Speaker 2>somebody who's like it's always racism, but you also don't

0:21:29.440 --> 0:21:32.919
<v Speaker 2>want to be like someone who is I guess ignoring it.

0:21:32.920 --> 0:21:34.879
<v Speaker 2>I can remember I think the first time I really

0:21:34.920 --> 0:21:37.040
<v Speaker 2>really really felt it. I think it was like sixth

0:21:37.080 --> 0:21:39.720
<v Speaker 2>grade or something, and like somebody followed me in the store,

0:21:39.760 --> 0:21:41.440
<v Speaker 2>and honestly, I just said, oh, because I'm a kid.

0:21:41.680 --> 0:21:43.879
<v Speaker 2>And then my friends came in because I lived in

0:21:43.920 --> 0:21:45.960
<v Speaker 2>Westfield and it's like mostly a white neighborhood, and my

0:21:46.000 --> 0:21:47.560
<v Speaker 2>friends came in and it was a bunch of them,

0:21:47.560 --> 0:21:48.720
<v Speaker 2>and they were stealing.

0:21:49.200 --> 0:21:50.760
<v Speaker 1>Because I knew I knew that I was like.

0:21:52.840 --> 0:21:55.359
<v Speaker 2>And they were like running around the store acting crazy,

0:21:55.400 --> 0:21:58.159
<v Speaker 2>and the lady kept following me, like it made it

0:21:58.200 --> 0:21:59.960
<v Speaker 2>really obvious. Like I would stand in the island look

0:22:00.040 --> 0:22:01.800
<v Speaker 2>down the aisle she was standing with her arms cross,

0:22:01.960 --> 0:22:03.640
<v Speaker 2>and I would go to another aisle and she would

0:22:03.720 --> 0:22:05.560
<v Speaker 2>move and stand at the top of the aisle with

0:22:05.600 --> 0:22:06.320
<v Speaker 2>her arms cross.

0:22:06.600 --> 0:22:08.560
<v Speaker 1>And then I said, are you following me?

0:22:08.640 --> 0:22:10.560
<v Speaker 2>Because you know, I'm like eleven or twelve, and she

0:22:10.640 --> 0:22:13.840
<v Speaker 2>was quiet looked at me, and I said and I said,

0:22:13.880 --> 0:22:16.200
<v Speaker 2>asked her again, because you know, at that age, I'm thinking, like,

0:22:16.240 --> 0:22:18.760
<v Speaker 2>you know, adults are people you could trust. And I said,

0:22:18.760 --> 0:22:19.520
<v Speaker 2>are you following me?

0:22:19.600 --> 0:22:21.400
<v Speaker 1>Why? Why are you not following them?

0:22:22.320 --> 0:22:24.119
<v Speaker 2>And I remember like my eyes got big, and she

0:22:24.200 --> 0:22:25.720
<v Speaker 2>just like looked at me and it was very clear,

0:22:25.760 --> 0:22:27.880
<v Speaker 2>like you know, people communicate without and.

0:22:27.840 --> 0:22:30.760
<v Speaker 1>I was like wow, And I remember being like, is

0:22:30.800 --> 0:22:32.760
<v Speaker 1>she following me? Because I'm black. I just couldn't believe

0:22:32.760 --> 0:22:33.600
<v Speaker 1>it because it never.

0:22:33.480 --> 0:22:35.200
<v Speaker 3>Happened at least remember what she said.

0:22:35.640 --> 0:22:37.959
<v Speaker 2>She didn't say anything. She just looked at me, and

0:22:38.000 --> 0:22:39.440
<v Speaker 2>I was like are you And then you know, I

0:22:39.520 --> 0:22:41.439
<v Speaker 2>kept saying like are you following me? And I just

0:22:41.880 --> 0:22:43.680
<v Speaker 2>and I just remember my like you know, tears welling

0:22:43.760 --> 0:22:45.440
<v Speaker 2>up in my eyes and me leaving and my friend's like,

0:22:45.440 --> 0:22:47.240
<v Speaker 2>where are you going? And I just was like I

0:22:47.280 --> 0:22:49.440
<v Speaker 2>went home and I told my mom and she said

0:22:49.440 --> 0:22:51.840
<v Speaker 2>that she had a similar experience in that very same store.

0:22:52.359 --> 0:22:54.080
<v Speaker 2>They sat like when you moved to a new city,

0:22:54.080 --> 0:22:56.280
<v Speaker 2>they send you like a care package with all these coupons,

0:22:56.520 --> 0:22:59.760
<v Speaker 2>and when she went to use it, that same lady.

0:22:59.520 --> 0:23:00.800
<v Speaker 1>Told her, I don't know where you got these from?

0:23:00.800 --> 0:23:03.840
<v Speaker 1>Where did you get these from? And so she was like,

0:23:03.840 --> 0:23:05.200
<v Speaker 1>don't ever go back in that store again.

0:23:05.600 --> 0:23:07.840
<v Speaker 2>And I remember like never going back to the store again,

0:23:07.880 --> 0:23:09.600
<v Speaker 2>except when I got older, Like I think I was

0:23:09.600 --> 0:23:11.879
<v Speaker 2>like in high school or like in college, and I

0:23:11.920 --> 0:23:13.159
<v Speaker 2>went in that store and I was like, you know,

0:23:13.200 --> 0:23:15.840
<v Speaker 2>I was ready, but like, you know, she didn't say

0:23:15.840 --> 0:23:17.919
<v Speaker 2>anything to me. That did' sa anything to her, But

0:23:18.080 --> 0:23:20.679
<v Speaker 2>I just remember thinking, like, yo, I didn't go in

0:23:20.680 --> 0:23:22.040
<v Speaker 2>the store even to buy anything, just to see if

0:23:22.040 --> 0:23:22.600
<v Speaker 2>she was still there.

0:23:22.640 --> 0:23:24.320
<v Speaker 1>And she was, and I was just like, you know,

0:23:24.920 --> 0:23:27.560
<v Speaker 1>it's just crazy, like to a kid, imagine like eleven

0:23:27.560 --> 0:23:29.800
<v Speaker 1>to twelve. I wasn't a big kid. I was like super.

0:23:29.560 --> 0:23:32.560
<v Speaker 2>Skinny and like yeah, and you know, but it was

0:23:32.560 --> 0:23:36.000
<v Speaker 2>like my first real kind of like interaction with like, wait,

0:23:36.000 --> 0:23:36.800
<v Speaker 2>what's happening here?

0:23:36.840 --> 0:23:39.800
<v Speaker 1>I'm being treated differently because of how I look? Is

0:23:40.280 --> 0:23:42.640
<v Speaker 1>that really the reason? But then when I saw like, wait,

0:23:42.960 --> 0:23:45.919
<v Speaker 1>my stealing ask friends, I'm like, uh, that is the reason.

0:23:46.600 --> 0:23:47.919
<v Speaker 2>But then I kind of felt like, you know a

0:23:47.920 --> 0:23:49.880
<v Speaker 2>little giggle like, well, you know they got theirs off,

0:23:49.920 --> 0:23:52.240
<v Speaker 2>so you following me, but you just lost your merchant

0:23:52.280 --> 0:23:59.639
<v Speaker 2>dice over there. Ah shout out to Samantha and them names.

0:23:59.400 --> 0:24:03.399
<v Speaker 1>Now, but nobody remembers, Like there was somebody in middle school.

0:24:03.440 --> 0:24:05.199
<v Speaker 1>But I was like, she was like, girl, did you

0:24:05.200 --> 0:24:06.879
<v Speaker 1>get anything? I'm like, no, I can't to pay for

0:24:06.960 --> 0:24:08.680
<v Speaker 1>things just stealing behind.

0:24:08.880 --> 0:24:12.879
<v Speaker 2>I'm not steeling my parents bank.

0:24:13.840 --> 0:24:15.080
<v Speaker 1>I'm not trying to get one out of here.

0:24:15.760 --> 0:24:19.239
<v Speaker 2>Oh so yeah, well, if you guys you know what

0:24:19.359 --> 0:24:21.960
<v Speaker 2>I feel like, we never share your brown booster break.

0:24:21.960 --> 0:24:25.600
<v Speaker 2>If you have an amazing booster break. Send it, use

0:24:25.680 --> 0:24:29.760
<v Speaker 2>hashtag brown boosts brown Break, and especially like I like Twitter,

0:24:29.800 --> 0:24:31.679
<v Speaker 2>so you can tweet us at the BA podcast. But

0:24:31.960 --> 0:24:34.480
<v Speaker 2>you can certainly send a message if you go to

0:24:34.480 --> 0:24:39.360
<v Speaker 2>Brown a Bison Bronobision podcast dot com and click ask

0:24:39.480 --> 0:24:39.960
<v Speaker 2>us anything.

0:24:39.960 --> 0:24:41.640
<v Speaker 1>You can send a booster break there. We might read

0:24:41.680 --> 0:24:43.480
<v Speaker 1>it out loud, right, Mandra.

0:24:43.920 --> 0:24:47.960
<v Speaker 3>I mean maybe I might. I could read it.

0:24:48.359 --> 0:24:50.560
<v Speaker 1>I might. I might read it.

0:24:50.640 --> 0:24:52.800
<v Speaker 3>I could read it. I feel like that meme of

0:24:52.880 --> 0:24:57.119
<v Speaker 3>Cardi b as a little girl. Okay, we're on a

0:24:57.119 --> 0:24:58.720
<v Speaker 3>meme episode, but I can't I can't get enough of

0:24:58.760 --> 0:24:59.080
<v Speaker 3>that meme.

0:24:59.600 --> 0:25:00.600
<v Speaker 1>I love that meme.

0:25:00.680 --> 0:25:04.160
<v Speaker 2>I posted one that's saying my mama said, my mama said,

0:25:04.200 --> 0:25:05.800
<v Speaker 2>I can't eat jel of rice over here because you're

0:25:05.840 --> 0:25:10.720
<v Speaker 2>from Ghana. Every you know, the Ghanaians in the comments

0:25:10.760 --> 0:25:29.560
<v Speaker 2>are tight. I'm like, it's just hitting kind of all right,

0:25:29.600 --> 0:25:31.800
<v Speaker 2>are we ready for some questions? Any really good ones?

0:25:31.880 --> 0:25:32.480
<v Speaker 2>Hit the inbox?

0:25:33.000 --> 0:25:34.880
<v Speaker 3>Let's look at some questions. Yeah, we have a couple

0:25:34.960 --> 0:25:38.400
<v Speaker 3>of good ones. Let's take a question from let's see Sheena.

0:25:39.320 --> 0:25:40.960
<v Speaker 3>I was about to say her last name. Woof, No,

0:25:41.119 --> 0:25:44.320
<v Speaker 3>don't say people's last names. Mandy that's not cool. So

0:25:44.800 --> 0:25:48.040
<v Speaker 3>listener Shena has a question and she's got some debt

0:25:48.080 --> 0:25:50.040
<v Speaker 3>and she wants to know. I feel like we get

0:25:50.080 --> 0:25:53.240
<v Speaker 3>this question a lot, but everyone's situations a little bit differently,

0:25:54.080 --> 0:25:58.120
<v Speaker 3>but constantly, like feeling pulled in two directions paying down

0:25:58.200 --> 0:26:01.480
<v Speaker 3>debt or saving for retirement or saving for emergency or

0:26:01.480 --> 0:26:04.520
<v Speaker 3>paying down which debt first. All these questions super confusing.

0:26:04.560 --> 0:26:08.960
<v Speaker 3>So here's sheen a situation. Sheena says, I've learned so

0:26:09.080 --> 0:26:11.919
<v Speaker 3>much about personal finances from the podcast. However, I'm in

0:26:11.920 --> 0:26:14.280
<v Speaker 3>a situation where I'm in between a rock and a

0:26:14.320 --> 0:26:17.280
<v Speaker 3>hard place. I'm twenty seven years old. I make twenty

0:26:17.280 --> 0:26:20.719
<v Speaker 3>two dollars an hour, and my monthly expenses are around

0:26:20.760 --> 0:26:23.480
<v Speaker 3>thirteen hundred dollars. I have a high credit score seven

0:26:23.600 --> 0:26:28.000
<v Speaker 3>thirty one, whoop woop, but I have close to forty

0:26:28.080 --> 0:26:31.840
<v Speaker 3>thousand dollars in debt. Part of that is student loan debt.

0:26:31.920 --> 0:26:34.399
<v Speaker 3>She also has an auto loan debt. Her student loans

0:26:34.760 --> 0:26:38.240
<v Speaker 3>are about thirty thousand dollars and her auto loan is

0:26:38.280 --> 0:26:42.919
<v Speaker 3>about six thousand dollars. She only has fifteen hundred dollars

0:26:42.960 --> 0:26:45.320
<v Speaker 3>in savings, and she really wants to pay off her

0:26:45.359 --> 0:26:49.200
<v Speaker 3>car sooner than later. So she asks, my question is

0:26:49.200 --> 0:26:51.880
<v Speaker 3>should I put my student loan in deferment in order

0:26:51.960 --> 0:26:54.720
<v Speaker 3>to pay off my car sooner? I also want to

0:26:54.760 --> 0:26:57.520
<v Speaker 3>try saving for retirement in a four to one K,

0:26:58.840 --> 0:27:01.960
<v Speaker 3>and by possibly putting my student loan in deferment, that

0:27:01.960 --> 0:27:05.480
<v Speaker 3>could help me with this. What do you think? Thank

0:27:05.520 --> 0:27:10.480
<v Speaker 3>you cha? So classic millennial twenty seven years old, has

0:27:10.560 --> 0:27:13.639
<v Speaker 3>auto debt, student loan debt, a tiny bit of savings,

0:27:14.119 --> 0:27:17.920
<v Speaker 3>and wants obviously wants to start saving, but is looking

0:27:18.000 --> 0:27:20.240
<v Speaker 3>at her auto loan debt and wondering if it makes

0:27:20.280 --> 0:27:23.840
<v Speaker 3>more sense to put her student loans on hold while

0:27:23.880 --> 0:27:25.639
<v Speaker 3>she pays off her auto loan debt.

0:27:27.000 --> 0:27:32.159
<v Speaker 2>Yes, okay, well here's the order of things that I

0:27:32.240 --> 0:27:34.040
<v Speaker 2>put things in order, and then you know, I feel

0:27:34.040 --> 0:27:35.919
<v Speaker 2>like you can make your own choices.

0:27:35.960 --> 0:27:38.240
<v Speaker 3>But so really quick, just keeping in mind, we don't

0:27:38.280 --> 0:27:40.879
<v Speaker 3>know the APR and her debt, and we don't know

0:27:40.920 --> 0:27:43.040
<v Speaker 3>what type of federal If she has federal student loans,

0:27:43.040 --> 0:27:45.439
<v Speaker 3>they're private, so we don't have those details. So what

0:27:45.480 --> 0:27:48.480
<v Speaker 3>we're saying is just like and a general idea. It's

0:27:48.520 --> 0:27:51.040
<v Speaker 3>not hard and true advice exactly.

0:27:51.040 --> 0:27:52.639
<v Speaker 2>I was gonna say, like this is just in general

0:27:52.720 --> 0:27:56.919
<v Speaker 2>and depending on like, so typically I like to put

0:27:57.359 --> 0:28:01.040
<v Speaker 2>retirement over everything. But if I had to say credit

0:28:01.040 --> 0:28:04.639
<v Speaker 2>card debt and the interest rate was like twenty five percent,

0:28:05.119 --> 0:28:06.760
<v Speaker 2>then I would make adjustments there.

0:28:06.800 --> 0:28:08.520
<v Speaker 1>But the general rule for.

0:28:08.520 --> 0:28:12.439
<v Speaker 2>Me is retirement comes first, and then I kind of

0:28:12.480 --> 0:28:15.760
<v Speaker 2>slide down and say retirement. Then then like a credit

0:28:15.840 --> 0:28:17.679
<v Speaker 2>card debt, like so higher interest rate that as long

0:28:17.720 --> 0:28:19.720
<v Speaker 2>as it's not obscene. If it's obscene, I kind of

0:28:19.760 --> 0:28:23.119
<v Speaker 2>put that a little bit first, and then after my

0:28:23.240 --> 0:28:26.000
<v Speaker 2>high interest rate debt, then it's like okay, started like

0:28:26.280 --> 0:28:31.959
<v Speaker 2>emergency savings, and then savings slash regular debt paydown.

0:28:32.040 --> 0:28:35.560
<v Speaker 1>So that's usually like my order of things, retirement.

0:28:35.960 --> 0:28:40.480
<v Speaker 2>Credit card debt, like well of course like bills and stuff,

0:28:40.480 --> 0:28:44.959
<v Speaker 2>but then emergency savings slash regular debt paydown and so

0:28:45.320 --> 0:28:45.920
<v Speaker 2>feeding those.

0:28:46.560 --> 0:28:48.400
<v Speaker 1>That's typically like the order that I like to because

0:28:48.440 --> 0:28:49.760
<v Speaker 1>I feel like I don't know.

0:28:49.720 --> 0:28:52.480
<v Speaker 2>I guess the old lady in me is like, because

0:28:52.520 --> 0:28:56.600
<v Speaker 2>I lost all of my money post recession, I'm like

0:28:56.880 --> 0:29:00.640
<v Speaker 2>really concerned about my old lady's self and making sure

0:29:00.680 --> 0:29:02.880
<v Speaker 2>that she has money because I spent all that money.

0:29:03.040 --> 0:29:06.760
<v Speaker 2>So I put my retirement first, as long as my

0:29:06.840 --> 0:29:09.120
<v Speaker 2>credit card debt. Like at the point at the time

0:29:09.360 --> 0:29:12.000
<v Speaker 2>when I think my interest rate on my credit card

0:29:12.040 --> 0:29:14.040
<v Speaker 2>was like nine percent, So I didn't put that above

0:29:14.040 --> 0:29:16.840
<v Speaker 2>retirement because that wasn't obscene, you know. So I was like,

0:29:17.000 --> 0:29:19.880
<v Speaker 2>let me restock my retirement. And as I started to

0:29:19.880 --> 0:29:21.640
<v Speaker 2>do so, and I got like a little system going,

0:29:21.680 --> 0:29:24.240
<v Speaker 2>then I really put that effort into paying down my

0:29:24.480 --> 0:29:25.120
<v Speaker 2>credit card debt.

0:29:25.120 --> 0:29:27.080
<v Speaker 1>I used the snowball method. You can use the Googles

0:29:27.320 --> 0:29:28.560
<v Speaker 1>to find a snowball method.

0:29:28.800 --> 0:29:31.080
<v Speaker 2>And once I got a system for the snowball method going,

0:29:31.640 --> 0:29:33.479
<v Speaker 2>you know, in the meantime, of course I was paying bills,

0:29:33.640 --> 0:29:37.280
<v Speaker 2>then I started really looking at like paying down other

0:29:37.400 --> 0:29:39.280
<v Speaker 2>types of debt. And I mean I was paying the

0:29:39.280 --> 0:29:42.120
<v Speaker 2>minimum to that, but paying other types of debt like

0:29:42.120 --> 0:29:43.680
<v Speaker 2>a little bit more aggressively if I had a little

0:29:43.720 --> 0:29:45.760
<v Speaker 2>extra and emergency savings.

0:29:45.800 --> 0:29:47.480
<v Speaker 1>And so that was like the order, like I said

0:29:47.480 --> 0:29:50.080
<v Speaker 1>that I put my things in. What was what's your order? Mandy?

0:29:50.920 --> 0:29:54.440
<v Speaker 3>Well, because she's twenty seven and she says that, I mean,

0:29:54.480 --> 0:29:56.600
<v Speaker 3>she gets paid pretty well twenty three dollars an hour.

0:29:57.040 --> 0:30:00.320
<v Speaker 3>She has student loan debt, her auto loan de is

0:30:00.360 --> 0:30:04.000
<v Speaker 3>about six thousand dollars that's not a ton. Actually, I've

0:30:04.000 --> 0:30:07.200
<v Speaker 3>heard worse. So she's making pretty decent money. Her only

0:30:07.240 --> 0:30:09.480
<v Speaker 3>types of debt are student loan and autodebt. There's no

0:30:09.560 --> 0:30:11.400
<v Speaker 3>high interest credit card debt from what I get from

0:30:11.400 --> 0:30:14.920
<v Speaker 3>her email. And she only has fifteen hundred and savings

0:30:14.960 --> 0:30:18.840
<v Speaker 3>and she's twenty seven. Part of me is saying, and

0:30:18.960 --> 0:30:21.200
<v Speaker 3>she wants to know if she should put off her

0:30:21.240 --> 0:30:24.479
<v Speaker 3>student loans to put money in her savings account. If

0:30:24.520 --> 0:30:28.120
<v Speaker 3>it's a choice between her emergency savings and retirement. You know,

0:30:28.120 --> 0:30:30.560
<v Speaker 3>ideally you could put a little bit toward both, But

0:30:30.800 --> 0:30:36.320
<v Speaker 3>I would say I would focus on beefing up that

0:30:36.440 --> 0:30:41.000
<v Speaker 3>savings fund first before her putting everything you have left

0:30:41.000 --> 0:30:43.880
<v Speaker 3>at the end of the month into retirement only, because

0:30:43.920 --> 0:30:46.920
<v Speaker 3>that's only about one month's worth of She says, her

0:30:47.000 --> 0:30:49.480
<v Speaker 3>monthly expenses are thirteen hundred and she has fifteen hundred

0:30:49.560 --> 0:30:51.920
<v Speaker 3>saved up, so it's only good enough to cover one

0:30:51.920 --> 0:30:55.040
<v Speaker 3>month's worth of expenses. If things, you know, go south,

0:30:55.080 --> 0:30:58.320
<v Speaker 3>and if she's working hourly, then maybe her position isn't

0:30:58.320 --> 0:31:01.680
<v Speaker 3>necessarily that secure. She's a you know, an hourly worker,

0:31:01.800 --> 0:31:04.640
<v Speaker 3>So I would say I'd like her to beef up

0:31:04.680 --> 0:31:07.160
<v Speaker 3>per savings a little bit. But at the same time,

0:31:07.640 --> 0:31:11.280
<v Speaker 3>what makes sense on paper is to pay off debt

0:31:11.400 --> 0:31:14.160
<v Speaker 3>that has a high interest rate. So take a look

0:31:14.200 --> 0:31:17.880
<v Speaker 3>at your auto loan. If that interest rate is, say

0:31:18.040 --> 0:31:21.240
<v Speaker 3>higher than nine percent, I think it makes sense to

0:31:21.320 --> 0:31:25.240
<v Speaker 3>attack that auto loan pretty aggressively because it's unlikely that

0:31:25.720 --> 0:31:27.800
<v Speaker 3>I mean, this is me assuming that your student loan

0:31:27.840 --> 0:31:31.280
<v Speaker 3>debt is also has interest rate lower than nine percent.

0:31:31.360 --> 0:31:33.680
<v Speaker 3>So let's say if the auto loan is add a

0:31:33.760 --> 0:31:38.240
<v Speaker 3>high interest rate, like higher than nine percent, certainly double digits.

0:31:38.440 --> 0:31:40.680
<v Speaker 3>I think that's probably your most expensive debt. I would

0:31:40.680 --> 0:31:44.800
<v Speaker 3>say tackle that first. You could, if you have federal

0:31:44.840 --> 0:31:47.680
<v Speaker 3>student loan debt, not necessarily put it in deferment, but

0:31:47.840 --> 0:31:49.520
<v Speaker 3>call them up and see if you can get put

0:31:49.560 --> 0:31:52.719
<v Speaker 3>on an income based repayment plan that may reduce your

0:31:52.760 --> 0:31:56.320
<v Speaker 3>payments to a you know, a very low amount, so

0:31:56.400 --> 0:31:58.320
<v Speaker 3>you can put money free up more money to put

0:31:58.360 --> 0:32:01.280
<v Speaker 3>toward that auto loan debt, and pay off that auto

0:32:01.320 --> 0:32:04.280
<v Speaker 3>loan debt pretty aggressively, and once you're in a better

0:32:04.320 --> 0:32:07.360
<v Speaker 3>place there, start kicking more toward retirement. I mean, I

0:32:07.360 --> 0:32:09.480
<v Speaker 3>guess in my mind, I just think you're never gonna

0:32:09.840 --> 0:32:13.080
<v Speaker 3>not never, but it's unlikely over the long term that

0:32:13.120 --> 0:32:15.800
<v Speaker 3>you might make more than nine percent on an annual

0:32:15.840 --> 0:32:18.680
<v Speaker 3>basis from your investment return. So I think, on paper,

0:32:19.920 --> 0:32:22.320
<v Speaker 3>looking at those three things, it makes more sense for

0:32:22.360 --> 0:32:25.920
<v Speaker 3>me to attack that auto loan debt and then just

0:32:25.960 --> 0:32:29.520
<v Speaker 3>so you have a nice little cushion to put money

0:32:29.720 --> 0:32:33.160
<v Speaker 3>into that emergency savings fund. Because my only worry there is,

0:32:33.200 --> 0:32:35.760
<v Speaker 3>you know what happens if her car breaks down and

0:32:35.800 --> 0:32:38.719
<v Speaker 3>she needs repair and she, you know, empties out her

0:32:38.720 --> 0:32:41.760
<v Speaker 3>emergency fund, which you know, fifteen hundred dollars is not

0:32:41.840 --> 0:32:45.280
<v Speaker 3>that much, and then she may start racking up credit

0:32:45.280 --> 0:32:49.440
<v Speaker 3>card debt because she's emptied out that emergency fund, and

0:32:49.480 --> 0:32:52.160
<v Speaker 3>then she really won't be in a like good position

0:32:52.240 --> 0:32:56.800
<v Speaker 3>to save toward retirement. It's it's complex, but so that's

0:32:56.840 --> 0:32:58.920
<v Speaker 3>what I say. That's what makes sense on paper. Now

0:32:59.120 --> 0:33:01.240
<v Speaker 3>there's what makes sense on paper, and there's what makes

0:33:01.280 --> 0:33:04.520
<v Speaker 3>you sleep at night. And that's why I think what Tiffany,

0:33:04.600 --> 0:33:06.680
<v Speaker 3>like what you said earlier is a good example of Okay, well,

0:33:06.680 --> 0:33:08.080
<v Speaker 3>how can I sleep at night? So I can sleep

0:33:08.120 --> 0:33:11.600
<v Speaker 3>at night if I know Wanda's taken care of in

0:33:11.640 --> 0:33:14.120
<v Speaker 3>the future and I have my retirement savings. It's not

0:33:14.160 --> 0:33:17.040
<v Speaker 3>like you're saying, okay, ignore your other debts. You can

0:33:17.080 --> 0:33:20.560
<v Speaker 3>say yes toward retirement. It's just like, well, maybe putting

0:33:20.560 --> 0:33:22.320
<v Speaker 3>a little bit in retirement so you have peace of

0:33:22.360 --> 0:33:23.080
<v Speaker 3>mind at night.

0:33:23.040 --> 0:33:27.000
<v Speaker 2>Yes, just because something like if I, like, for example,

0:33:27.080 --> 0:33:29.719
<v Speaker 2>if I hadn't let's just say the recession had it hit,

0:33:29.760 --> 0:33:32.720
<v Speaker 2>and I just had, you know, debt like in Carloan

0:33:33.280 --> 0:33:37.200
<v Speaker 2>debt and whatever, I probably retirement would have just been whatever,

0:33:37.400 --> 0:33:40.120
<v Speaker 2>you know, money that it was normally coming out or

0:33:40.200 --> 0:33:42.760
<v Speaker 2>matched for my company, it wouldn't have been a big concern.

0:33:43.120 --> 0:33:45.920
<v Speaker 2>But I guess because it was like, oh my goodness,

0:33:46.160 --> 0:33:48.880
<v Speaker 2>that was like a huge fear of mine because I'm like, wow,

0:33:49.040 --> 0:33:52.040
<v Speaker 2>I'm in my early thirties now, and all my retirement

0:33:52.040 --> 0:33:53.520
<v Speaker 2>money that I was working toward it's gone.

0:33:54.080 --> 0:33:56.520
<v Speaker 1>So I was like, I don't want to what do

0:33:56.600 --> 0:33:59.800
<v Speaker 1>I do? You know? And so you know, so it's

0:34:00.360 --> 0:34:00.840
<v Speaker 1>it's hard.

0:34:00.880 --> 0:34:04.280
<v Speaker 2>Money is hard because it's like partially emotional but then

0:34:04.440 --> 0:34:09.400
<v Speaker 2>partially logical, and if you only address one of those sides,

0:34:09.520 --> 0:34:13.360
<v Speaker 2>it's gonna feel incomplete, you know. And so addressing the

0:34:13.400 --> 0:34:15.040
<v Speaker 2>fact like like well what can I do to kind

0:34:15.080 --> 0:34:17.080
<v Speaker 2>of like so I can't sleep at night. But then Also,

0:34:17.400 --> 0:34:19.920
<v Speaker 2>it's almost like the difference between the Snowball method and

0:34:20.000 --> 0:34:22.759
<v Speaker 2>the what's the other method where you actually do the

0:34:22.920 --> 0:34:26.280
<v Speaker 2>I don't know if it's called anything avalanche, the Avalanche method.

0:34:26.360 --> 0:34:30.040
<v Speaker 2>So like the Snowball method, you really are appealing to

0:34:30.080 --> 0:34:32.799
<v Speaker 2>your emotional side, and the Avalanche method it's a little

0:34:32.800 --> 0:34:37.879
<v Speaker 2>bit more logical, but it doesn't necessarily feed the emotional

0:34:38.640 --> 0:34:41.000
<v Speaker 2>component of paying off debt. And so, you know, but

0:34:41.040 --> 0:34:42.680
<v Speaker 2>you have to pick what's best for you because if

0:34:42.760 --> 0:34:45.520
<v Speaker 2>they both can still work, because I did the Snowball method,

0:34:45.520 --> 0:34:47.840
<v Speaker 2>and you know, it took me two and a half

0:34:48.080 --> 0:34:49.600
<v Speaker 2>years to pay off the like I think I had

0:34:49.640 --> 0:34:51.440
<v Speaker 2>like thirty five thousand dollars in credit card debt when

0:34:51.480 --> 0:34:54.320
<v Speaker 2>I when I first started the method, and it worked

0:34:54.640 --> 0:34:56.799
<v Speaker 2>because it appealed to the part that would motivate me

0:34:56.840 --> 0:34:57.399
<v Speaker 2>to keep going.

0:34:58.560 --> 0:35:02.080
<v Speaker 3>Yeah, I agree. I think She's also one thing you

0:35:02.080 --> 0:35:05.799
<v Speaker 3>can do, Sheena, is sit down and say, Okay, I

0:35:05.880 --> 0:35:07.440
<v Speaker 3>have this much left over at the end of the

0:35:07.440 --> 0:35:09.040
<v Speaker 3>month that you haven't told us how much you have

0:35:09.120 --> 0:35:10.319
<v Speaker 3>left over at the end of the month, but I'd

0:35:10.360 --> 0:35:12.440
<v Speaker 3>be curious to know. And then how long would it

0:35:12.480 --> 0:35:15.000
<v Speaker 3>take you if you really spend time to really aggressively

0:35:15.000 --> 0:35:17.799
<v Speaker 3>pay off that car loan debt, because it'll just make

0:35:17.840 --> 0:35:20.560
<v Speaker 3>you feel better to have it off your back. If

0:35:20.600 --> 0:35:23.680
<v Speaker 3>you did that, how long would you realistically how long

0:35:23.719 --> 0:35:26.160
<v Speaker 3>would it realistically take for you to do that? You know,

0:35:26.280 --> 0:35:28.319
<v Speaker 3>is it six months? Is it three months? Is it

0:35:28.360 --> 0:35:31.240
<v Speaker 3>two years? Because I don't think you'd want to neglect

0:35:31.280 --> 0:35:34.240
<v Speaker 3>your retirement savings for two years or your emergency savings

0:35:34.280 --> 0:35:37.440
<v Speaker 3>for two years necessarily, But if it's six months, then

0:35:37.440 --> 0:35:40.200
<v Speaker 3>maybe it's worth it for your like your emotional well

0:35:40.239 --> 0:35:42.640
<v Speaker 3>being to have that debt done and to feel good

0:35:42.680 --> 0:35:45.319
<v Speaker 3>about it. And then you know, after six months, your

0:35:45.320 --> 0:35:47.719
<v Speaker 3>auto loan is paid off, and then you can start

0:35:47.760 --> 0:35:50.520
<v Speaker 3>diverting more towards savings and then picking back up where

0:35:50.520 --> 0:35:56.959
<v Speaker 3>you left off, you know, with your student loans. I would, yeah,

0:35:57.120 --> 0:35:59.520
<v Speaker 3>just sit down and see what's realistic and how much

0:35:59.520 --> 0:36:02.520
<v Speaker 3>time you're really taking to pay out that auto loan debt.

0:36:03.160 --> 0:36:05.560
<v Speaker 3>But from your numbers, you know, thirty two thousand dollars

0:36:05.600 --> 0:36:08.839
<v Speaker 3>in student loan debt, six thousand on a car, I'm

0:36:08.880 --> 0:36:10.919
<v Speaker 3>not hearing, and you make twenty two hours to twenty

0:36:10.960 --> 0:36:13.560
<v Speaker 3>two dollars an hour. I'm not hearing any reasons specifically

0:36:13.600 --> 0:36:16.440
<v Speaker 3>to defer and like stop paying your student loans. It

0:36:16.440 --> 0:36:19.680
<v Speaker 3>seems like you should be able to keep up with those,

0:36:21.040 --> 0:36:22.759
<v Speaker 3>you know, as you work on your other goals at

0:36:22.760 --> 0:36:25.520
<v Speaker 3>the same time, because you know, when you defer, interest

0:36:25.520 --> 0:36:30.600
<v Speaker 3>still a cruise. I don't know any any thoughts from you,

0:36:30.680 --> 0:36:34.120
<v Speaker 3>Tiffany on like deferring student loans versus signing up for

0:36:34.200 --> 0:36:38.720
<v Speaker 3>income driven repayment plan, assuming she can if they're federal loans.

0:36:39.160 --> 0:36:42.800
<v Speaker 2>I mean I deferred, it's probably it's it's better than defaulting.

0:36:43.000 --> 0:36:46.759
<v Speaker 1>I'll say that. Okay, fair enough, so you know, I

0:36:48.080 --> 0:36:50.040
<v Speaker 1>you know, but I wish I would have known. I'm

0:36:50.040 --> 0:36:50.440
<v Speaker 1>not gonna lie.

0:36:50.440 --> 0:36:52.640
<v Speaker 2>I wish I would have known about income based for

0:36:52.719 --> 0:36:54.640
<v Speaker 2>payment because at the time I wasn't making twenty two

0:36:54.640 --> 0:36:56.080
<v Speaker 2>thousand an hour, So if I would have known, that

0:36:56.080 --> 0:36:59.480
<v Speaker 2>would have helped significantly. So when it comes to student loans,

0:36:59.520 --> 0:37:04.480
<v Speaker 2>you definitely wanted to explore, like okay, deferment, incomebation payment,

0:37:04.520 --> 0:37:06.719
<v Speaker 2>and even possible forgiveness. Those are the three things you

0:37:06.840 --> 0:37:09.440
<v Speaker 2>wanted to look up to see if there's anything you

0:37:09.440 --> 0:37:12.759
<v Speaker 2>can do, and then if there is no kind of

0:37:12.800 --> 0:37:15.480
<v Speaker 2>like help to alleviate your student loan payments and deferment

0:37:15.560 --> 0:37:19.080
<v Speaker 2>is definitely a good place to start if they're federal. So,

0:37:19.360 --> 0:37:21.000
<v Speaker 2>I mean, but it's not like I wish if I

0:37:21.000 --> 0:37:22.359
<v Speaker 2>would have known, because at one point I was making

0:37:22.440 --> 0:37:25.640
<v Speaker 2>zero dollars, my payment could have been zero dollars a month.

0:37:25.680 --> 0:37:27.279
<v Speaker 2>I didn't know that because I didn't apply for income

0:37:27.320 --> 0:37:27.880
<v Speaker 2>based payment.

0:37:27.920 --> 0:37:28.680
<v Speaker 1>I just deferred it.

0:37:29.280 --> 0:37:31.400
<v Speaker 2>And then I recruit all those additional interests and I'm like,

0:37:31.400 --> 0:37:33.440
<v Speaker 2>oh so now instead of owning fifty thousands, I owe

0:37:33.480 --> 0:37:33.960
<v Speaker 2>fifty two.

0:37:34.200 --> 0:37:36.440
<v Speaker 1>That's great because I still don't have any money.

0:37:36.719 --> 0:37:42.640
<v Speaker 3>Yeah, oh yeah, there's no perfect answer, sing, I mean,

0:37:42.719 --> 0:37:46.000
<v Speaker 3>hopefully we gave you some things to think about. I

0:37:46.680 --> 0:37:49.040
<v Speaker 3>think that. I mean, I think honestly taking a step back,

0:37:49.160 --> 0:37:52.719
<v Speaker 3>like your picture is not dire, like as dire as me.

0:37:52.840 --> 0:37:57.000
<v Speaker 3>I've definitely heard worse. You're young, you're earning a decent income.

0:37:57.280 --> 0:37:59.160
<v Speaker 3>You haven't said what your career is, but it sounds

0:37:59.239 --> 0:38:02.600
<v Speaker 3>like you're, you know, actually pretty good. You have a

0:38:02.680 --> 0:38:05.440
<v Speaker 3>high credit score. Your auto loan is six thousand, but

0:38:05.480 --> 0:38:08.040
<v Speaker 3>it doesn't. I mean, I've definitely know people with way

0:38:08.040 --> 0:38:10.440
<v Speaker 3>more autolone debt than that. Student loans the average is

0:38:10.440 --> 0:38:13.600
<v Speaker 3>about thirty thousand across America. So it seems like you're

0:38:13.640 --> 0:38:16.640
<v Speaker 3>right in that, just like you know, normal post college

0:38:16.680 --> 0:38:19.880
<v Speaker 3>grad debt thing, you're just feeling a little spread thin

0:38:19.960 --> 0:38:24.800
<v Speaker 3>when you're trying to prioritize stuff. Yeah, it's it's it's a,

0:38:24.960 --> 0:38:27.040
<v Speaker 3>it's a it's you. We've sort of told you, like

0:38:27.080 --> 0:38:28.440
<v Speaker 3>what to think about. I think you're just gonna have

0:38:28.440 --> 0:38:30.000
<v Speaker 3>to figure out what works for you and what makes

0:38:30.040 --> 0:38:33.640
<v Speaker 3>you feel good about, you know, financially, because there isn't

0:38:34.800 --> 0:38:37.120
<v Speaker 3>necessarily a wrong answer. The only wrong answer is to

0:38:37.120 --> 0:38:40.800
<v Speaker 3>stop paying anything, right, Yeah, like, go take a vacation

0:38:40.880 --> 0:38:43.400
<v Speaker 3>and go to them all and forget about things. Anything

0:38:43.440 --> 0:38:45.799
<v Speaker 3>you're doing, if it's attacking your debt or saving, is

0:38:45.800 --> 0:38:46.440
<v Speaker 3>the right answer.

0:38:46.520 --> 0:38:49.719
<v Speaker 1>So at least you know exactly. And I love that

0:38:49.760 --> 0:38:50.319
<v Speaker 1>you said that.

0:38:50.520 --> 0:38:53.719
<v Speaker 2>It's like those little like changes that you can make

0:38:54.000 --> 0:38:56.399
<v Speaker 2>because money is fluid, so there's no one right way

0:38:56.400 --> 0:38:59.000
<v Speaker 2>to do everything. It's just but doing something in the

0:38:59.040 --> 0:39:01.680
<v Speaker 2>right direction is something, and usually the next step.

0:39:01.440 --> 0:39:02.520
<v Speaker 1>Will start to reveal itself.

0:39:02.560 --> 0:39:05.759
<v Speaker 2>You're like, oh, Okay, now that I've done this, SE's

0:39:05.840 --> 0:39:07.560
<v Speaker 2>end up money here so I can make a different choice.

0:39:07.600 --> 0:39:09.359
<v Speaker 1>You won't always be here as long as you're moving

0:39:09.360 --> 0:39:09.720
<v Speaker 1>forward

0:39:10.760 --> 0:39:11.920
<v Speaker 3>Hey man, six friend,