WEBVTT - Ep 241 - Trouble Don't Last Always

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<v Speaker 1>Mandra, Do you know what I need? I need to

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<v Speaker 1>walk in these streets in my BA swag. You know

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<v Speaker 1>what I'm really looking forward to? First of all, be

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<v Speaker 1>your own Brown Boost. What an awesome phrase. I cannot

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<v Speaker 1>wait to wear that on my chest like Superman. And

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<v Speaker 1>what I'm really excited for, though, is I am a

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<v Speaker 1>sweatshirt and like hoodie girl. So the classic Brown Ambition

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<v Speaker 1>logo sweatshirt has my name all over it.

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<v Speaker 2>But where can I go? Where can I find it?

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<v Speaker 3>I was hoping you would ask Young Tiffany. Tiffany, get

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<v Speaker 3>your Brown Ambition swag at Brown Ambitionstore dot com. Five

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<v Speaker 3>years in the game, we finally have merch for you guys.

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<v Speaker 3>So get your Brown Ambition hoodie, your Brown Ambition crew

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<v Speaker 3>neck tea, get a onesie for your littles. We got

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<v Speaker 3>toddler teas. Oh my goodness, there's something for everyone. Be

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<v Speaker 3>your own Brown Boost T shirt for sure. We have

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<v Speaker 3>a Brown Ambition mug, which my family is most excited about.

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<v Speaker 3>I had to do the fifteen out size for my

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<v Speaker 3>big sister because she drinks coffee like nobody's business.

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<v Speaker 2>Oh you know, I'm the budgetish to write any special offer.

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<v Speaker 3>Oh I'm also very glad you asked that question, Tiffany. Yes,

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<v Speaker 3>with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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<v Speaker 3>all one word, you can get fifteen percent off your

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<v Speaker 3>order at Brown ambitionstore dot com.

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<v Speaker 1>I can't wait to see y'all in these BA streets

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<v Speaker 1>repping BA bam with your BA swag. Hey, Hey, hey,

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<v Speaker 1>I'm like, so, what do you think our future selves

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<v Speaker 1>are feeling right now?

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<v Speaker 3>I don't know how are you guys? Are you like, okay,

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<v Speaker 3>it's so bizarre. Yeah, I do feel like we're talking

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<v Speaker 3>to the future. I mean, or we could just be

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<v Speaker 3>in the same damn spot we are now. Maybe are we?

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<v Speaker 3>I'm gonna I hope that we're, but we could also

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<v Speaker 3>be uncertain.

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<v Speaker 1>Still, Yes, this is very true, because the future, it's

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<v Speaker 1>so guys. We tape typically Manday and I tape our

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<v Speaker 1>podcast on Mondays and then they don't go a lot

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<v Speaker 1>to Wednesday, And for those of you in the future,

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<v Speaker 1>yesterday was the election, and so we might not know.

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<v Speaker 1>It's Wednesday, so we might not know the outcome.

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<v Speaker 3>Yeah, I know how many atavand tablets I have left

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<v Speaker 3>to get me through these next twenty four hours. I

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<v Speaker 3>know that much. I counted them this morning.

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<v Speaker 1>I know how much toilet issue I have because has

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<v Speaker 1>been obsessively texting make sure you have all your mix,

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<v Speaker 1>make sure you have all toilet tissues and your food

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<v Speaker 1>and your water and yet this, and make sure you

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<v Speaker 1>lock the doors because apparently, you know, if we normally

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<v Speaker 1>sleep at the doors wide open, while we locked doors,

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<v Speaker 1>I'm like, Mommy, we locked the doors out of back on.

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<v Speaker 3>A basis they're coming for you.

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<v Speaker 2>Well, it was, I guess.

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<v Speaker 3>It wasn't until today that someone mentioned businesses have been

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<v Speaker 3>boarding up. And you know, here in New York, Trump

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<v Speaker 3>supporters shut down for a little bit. One of the

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<v Speaker 3>major bridges near actually the ten minutes from where we live,

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<v Speaker 3>the Mario Cuomo Bridge, and that freaked me out that

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<v Speaker 3>they just stop traffic for no good goddamn reason.

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<v Speaker 2>Saw well, you know, wait, okay.

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<v Speaker 3>Yeah, yeah, it's just and today the feeling at work

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<v Speaker 3>was super dense, and I felt I felt like as

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<v Speaker 3>a manager I needed to just bring some like just

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<v Speaker 3>be positive, just try so. I like, played music, I

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<v Speaker 3>made jokes, try to make a jerk of myself, like

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<v Speaker 3>make them, you know, just make fun because you know,

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<v Speaker 3>you can just tell everyone is on edge.

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<v Speaker 2>Yeah, because it's scary times, honestly.

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<v Speaker 3>It really is. And but I do feel the sense

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<v Speaker 3>of personally, I can sleep knowing I did everything I

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<v Speaker 3>had the time and the bandwidth in the mental you know,

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<v Speaker 3>space to do in terms of help encouraging family to

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<v Speaker 3>get out and vote, help making sure that I got

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<v Speaker 3>myself to vote, my husband, his family, you know. And

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<v Speaker 3>I feel like at this point, we just got to

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<v Speaker 3>see what happens, you know, and we have to hold

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<v Speaker 3>elected officials definitely accountable. And I really feel, you know,

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<v Speaker 3>I hate that we're the ones you have to suffer

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<v Speaker 3>through this, but this is a really good example of

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<v Speaker 3>what happens when citizens forget the power that they hold.

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<v Speaker 3>And you know, even if this has to go to

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<v Speaker 3>the courts, we're going to find out the repercussions, you know,

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<v Speaker 3>the ripple effect that was caused you know, four years

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<v Speaker 3>ago when this person was elected, and how it goes

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<v Speaker 3>so far beyond the White House. So pay attention, and

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<v Speaker 3>let's just I hope that we can just learn these

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<v Speaker 3>lessons and never forget them, ever forget.

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<v Speaker 1>Yes, I mean there was actually this really great post

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<v Speaker 1>that someone shared. It basically was like, you know, for

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<v Speaker 1>those of you who have been vocal. I'm not just

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<v Speaker 1>supporting this adminute, but some people, of course, you know,

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<v Speaker 1>have gone above and beyond to be instead of Black

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<v Speaker 1>Lives Matter having bumper sticker said that say black lives splatter.

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<v Speaker 1>And for those of you who have like actively been

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<v Speaker 1>vocally racist and transphobic and homophobica and all these other things,

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<v Speaker 1>that like, here's the thing that one day this man

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<v Speaker 1>won't be president. Whether it's in three months or maybe

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<v Speaker 1>the next four years, no one knows, right, but your

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<v Speaker 1>family and friends will always always always your your neighbors,

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<v Speaker 1>your coworkers, You're that stain will always be on you.

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<v Speaker 1>Like I just don't you know what I mean, I

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<v Speaker 1>just I guess what shocks me is how it's like

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<v Speaker 1>when I see men argue over viciously over their team,

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<v Speaker 1>like no the bulls are better, No the Spurs, and

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<v Speaker 1>you're like Michael Jordan does not know.

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<v Speaker 4>You, you know, because I like, you see literally people breaking

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<v Speaker 4>the law, putting their own freedom in jeopardy, Like there

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<v Speaker 4>was a I use the word gentleman loosely who took

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<v Speaker 4>one of those cat those like not a bulldozer, the

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<v Speaker 4>smaller ones.

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<v Speaker 1>You know, I don't know what they call I feel

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<v Speaker 1>like Bob kind of yeah, right, took one of those

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<v Speaker 1>bobcats and in his town and anybody's lawn that had

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<v Speaker 1>a Biden Come All a sign. He you know, didn't

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<v Speaker 1>just take the sign because that was just too light,

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<v Speaker 1>used the bobcat to basically dig the sign out of

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<v Speaker 1>their front lawn and went like, you know, so using

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<v Speaker 1>a vehicle doing more than fifteen hundred dollars worth of

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<v Speaker 1>damage to property, which makes it a felony. Now, so

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<v Speaker 1>even if this person wins the presidency either way, you'll

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<v Speaker 1>enjoy it from jail.

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<v Speaker 2>I just I guess that's the part that like.

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<v Speaker 1>Really flabbergasts me. For lack of a better word, it's

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<v Speaker 1>like what I just well, you know what, I just

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<v Speaker 1>don't know. That's people are just raggedy. That's been the

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<v Speaker 1>word that has been the pervasive word for me. There

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<v Speaker 1>are some people who are just really Raggedy's one thing

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<v Speaker 1>to say this is what I'm voting for, Okay. It's

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<v Speaker 1>another thing to like run your car through a crowd

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<v Speaker 1>of people, shoot people at a protest.

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<v Speaker 2>You know. I just yeah, people, and.

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<v Speaker 3>I'm I you know, in a way, I'm grateful because

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<v Speaker 3>it's shown, it's it's given people like the past four

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<v Speaker 3>years have made certain people feel comfortable showing sides of

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<v Speaker 3>themselves that they weren't showing before. And I think we

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<v Speaker 3>can all be where. I feel much more educated about

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<v Speaker 3>the people in my circle, my family, my extended family.

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<v Speaker 3>I know where people stand, and you know what, I'm like,

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<v Speaker 3>I'm glad because why continue, you know, putting on a facade,

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<v Speaker 3>and especially growing up in the South, being always taught,

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<v Speaker 3>you know, politics was and polite conversation. You don't ask

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<v Speaker 3>people where they stand on certain issues. I feel like

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<v Speaker 3>at least that's you know, one of the over linings

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<v Speaker 3>is that it's become you can't escape it. This pandemic

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<v Speaker 3>year itself, I mean, it has forced everyone to have

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<v Speaker 3>to reckon with what they believe and decide where they

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<v Speaker 3>stand in that I'm grateful for. I was also, you know,

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<v Speaker 3>another silver lining I was just reading. There was a

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<v Speaker 3>report that came out. I think it's the Center for

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<v Speaker 3>Women Center for American Politics put out a report. Did

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<v Speaker 3>you know one hundred and fifteen women of color are

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<v Speaker 3>running for election in the House this year, which is

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<v Speaker 3>pretty remarkable. Like, right now, let me look at my

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<v Speaker 3>let me look at my little notes. There's something like

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<v Speaker 3>what forty waiting to see? Let me get my notes?

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<v Speaker 3>Where are my paper's at?

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<v Speaker 2>Ooh, I'm old.

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<v Speaker 3>I got a squint. Forty eight out of one hundred

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<v Speaker 3>and twenty seven congresswomen right now, that's only forty eight

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<v Speaker 3>are BIPOC, and yes, one hundred and fifteen BIPOC women

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<v Speaker 3>are running for election. And I do feel like this

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<v Speaker 3>is the change that, for better or for worse, Trump

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<v Speaker 3>selection has brought about, and not just Trump selection, but

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<v Speaker 3>everything happening with racial and social unrest. It has, It's

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<v Speaker 3>given people, it's lit fire under our butts to realize

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<v Speaker 3>the power we have as women and how much we

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<v Speaker 3>are needed, and that you know, running for office is

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<v Speaker 3>not the only thing you can do to act and

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<v Speaker 3>better society, but it means a whole hell of a lot.

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<v Speaker 3>So I looked at that, and you know, I saw

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<v Speaker 3>that on GMA this morning, and that gives me. That

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<v Speaker 3>gives me hope.

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<v Speaker 1>Yeah, I mean I and nothing lasts for always, right,

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<v Speaker 1>all folks, So truble don't last always, Although I will

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<v Speaker 1>say tomorrow I am a little you know, like if

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<v Speaker 1>you could stand inside, stand inside, especially if you live

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<v Speaker 1>in an area where you've seen those Trump trains, because

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<v Speaker 1>I feel like people feel more emboldened to be wanton

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<v Speaker 1>in wild and.

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<v Speaker 3>If you do go out there, bring your cell phones

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<v Speaker 3>and court everything. That's how I feel.

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<v Speaker 1>And your taser. I mean literally, I went for a

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<v Speaker 1>walk today. SUPERMANO was like, you have your taser? And

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<v Speaker 1>every yeah, he always he got me a taser a

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<v Speaker 1>while ago, just because he's like, he got me everybody

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<v Speaker 1>in the house has a taser. And then he made

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<v Speaker 1>us because my sister stays with me, and of course

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<v Speaker 1>super Girl is here, so he's like, oh yeah, when

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<v Speaker 1>you need to have a taste, he got us pink

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<v Speaker 1>tasers because you know sex and I know. But then

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<v Speaker 1>if you had to have taser class with him, I

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<v Speaker 1>was like, I don't know, have danger class. He's like,

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<v Speaker 1>show we had to turn it on, so we had you.

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<v Speaker 1>I was like, oh my god. But I'm not gonna

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<v Speaker 1>lie during times like this. When I went out for

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<v Speaker 1>my I try to take a walk every day. I

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<v Speaker 1>went out for my walk, he said, do you have

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<v Speaker 1>your taser? Normally I'm like, oh boy, but today I

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<v Speaker 1>was like, you know what, I don't let me go

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<v Speaker 1>upstairs and get.

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<v Speaker 3>It, Well, you might need it if you're fighting the

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<v Speaker 3>panic shopping comes back and people are fighting over bounty again.

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<v Speaker 1>Right, Well, I was just going for a walk, and

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<v Speaker 1>I guess he's just basically like, you know, he just yeah,

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<v Speaker 1>I just it's times where normally I wouldn't. I'm like,

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<v Speaker 1>it's so extra, but you know, if my mom making

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<v Speaker 1>sure make sure you have enough food and water and

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<v Speaker 1>this and that, and I think it's just more so

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<v Speaker 1>not that there's not going to be any of those things,

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<v Speaker 1>but if you don't have to be in the fray.

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<v Speaker 1>I mean where I live is live is fairly liberal,

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<v Speaker 1>but I walked to my neighborhood today and there were

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<v Speaker 1>two homes that had Trump signs. You know, everybody else,

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<v Speaker 1>Like I said, the New York is a pretty liberal

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<v Speaker 1>you know, black and brown city. But still, yeah, you know,

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<v Speaker 1>and you just don't know what people will do, and so.

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<v Speaker 3>Yeah, thinking about our future selves again, I just hope.

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<v Speaker 3>I hope at least if you go to vote on

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<v Speaker 3>an election day, that you were able to vote and

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<v Speaker 3>it is peaceful and your vote is counted, because I

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<v Speaker 3>do know there's so many especially black families in particular,

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<v Speaker 3>I'm saying families, but black people in particular like to

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<v Speaker 3>vote on election day, you know. And I think about

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<v Speaker 3>Fulton County and Atlanta. Everyone's got every Atlanta is in

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<v Speaker 3>Fulton County. But anyway, everyone's eyes are on battleground states

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<v Speaker 3>like Georgia and Florida and Texas, Michigan, and especially in Georgia,

0:11:59.520 --> 0:12:02.520
<v Speaker 3>where there's just there's been so much evidence of voter suppression.

0:12:02.920 --> 0:12:06.200
<v Speaker 3>Stacy Abrams was giving a really powerful speech. I don't

0:12:06.200 --> 0:12:08.319
<v Speaker 3>know if it was yesterday or today, but I saw

0:12:08.360 --> 0:12:11.839
<v Speaker 3>a clip of it, and I mean, you really have

0:12:11.960 --> 0:12:15.000
<v Speaker 3>to be determined if you're going to go on election day.

0:12:15.040 --> 0:12:18.040
<v Speaker 3>I hope people stay. Don't let people, you know, talk

0:12:18.080 --> 0:12:20.880
<v Speaker 3>you out of voting. Let's get it done. But for

0:12:21.160 --> 0:12:23.240
<v Speaker 3>you know, when when when Biden says this is a

0:12:23.240 --> 0:12:25.280
<v Speaker 3>fight for the soul of the nation, I think how

0:12:25.320 --> 0:12:28.560
<v Speaker 3>tomorrow goes is going to send a message to the world.

0:12:28.640 --> 0:12:31.480
<v Speaker 3>You know, are we still the America that we say

0:12:31.480 --> 0:12:34.000
<v Speaker 3>we are? You know, is this most powerful democracy in

0:12:34.040 --> 0:12:38.160
<v Speaker 3>the world or is it fracturing? And I really mean,

0:12:38.200 --> 0:12:40.480
<v Speaker 3>I'm pray to God, whether you support Trump or Biden,

0:12:40.920 --> 0:12:42.880
<v Speaker 3>I just want us to have a peaceful election. It

0:12:42.960 --> 0:12:47.480
<v Speaker 3>is such a fundamental part of our democracy that we

0:12:47.520 --> 0:12:49.680
<v Speaker 3>go to the polls and we vote and it is

0:12:49.720 --> 0:12:53.160
<v Speaker 3>safe and votes are counted, and if we don't have that,

0:12:53.160 --> 0:12:56.600
<v Speaker 3>that terrifies me more. So That's what I think about.

0:12:56.679 --> 0:13:02.640
<v Speaker 3>And you know, hey, futureselves, I hope, I hope you

0:13:02.679 --> 0:13:03.480
<v Speaker 3>all are doing okay.

0:13:04.080 --> 0:13:07.120
<v Speaker 2>Yeah, yeah, I mean, because what else can you say? Honestly,

0:13:07.200 --> 0:13:08.240
<v Speaker 2>I hope you're doing okay.

0:13:08.800 --> 0:13:10.880
<v Speaker 3>I hope you're planning. I'm planning a vacation. I'm taking

0:13:10.920 --> 0:13:15.400
<v Speaker 3>the last I am thinking about Crimis. I am Chrimas.

0:13:15.520 --> 0:13:17.280
<v Speaker 3>I'm thinking about Chrimas. I'm thinking about it.

0:13:17.400 --> 0:13:20.479
<v Speaker 1>It's like you can't think about Crimis until thanks Gimmen

0:13:20.640 --> 0:13:21.160
<v Speaker 1>is done.

0:13:21.679 --> 0:13:24.880
<v Speaker 3>No, I'm good. I want crimas well. Thanksgiving is like

0:13:24.920 --> 0:13:27.960
<v Speaker 3>my It's also Rio's first birthday. I'm excited about that.

0:13:28.000 --> 0:13:30.199
<v Speaker 3>I've already got some plans in the work. But for Crimas,

0:13:30.520 --> 0:13:33.000
<v Speaker 3>I have a toddler, basically he's he's not even one yet,

0:13:33.040 --> 0:13:35.960
<v Speaker 3>but he's almost walking. And I really, for my own

0:13:36.559 --> 0:13:39.040
<v Speaker 3>just my own sanity, I don't want to have to

0:13:39.320 --> 0:13:41.520
<v Speaker 3>keep him from knocking your Christmas tree down every day.

0:13:41.559 --> 0:13:43.960
<v Speaker 3>So I decided we're gonna go to like a real

0:13:44.000 --> 0:13:47.000
<v Speaker 3>live Christmas tree farm in the country now, because you

0:13:47.040 --> 0:13:50.480
<v Speaker 3>know Georgia, and we're gonna we're gonna cut down our

0:13:50.520 --> 0:13:52.839
<v Speaker 3>own tree. Did they let you cut it yourself? Whatever?

0:13:53.160 --> 0:13:58.880
<v Speaker 3>I pick out our own tree, Sorry, farmer, I mean,

0:13:59.040 --> 0:14:01.679
<v Speaker 3>but they might let me anyway. And we're gonna put

0:14:01.679 --> 0:14:03.640
<v Speaker 3>it in the front yard and I'm gonna light that

0:14:03.679 --> 0:14:06.040
<v Speaker 3>sucker up like the Rockefeller tree. We're gonna have like

0:14:06.080 --> 0:14:08.839
<v Speaker 3>a tree lighting, and I want to get a huge one.

0:14:09.280 --> 0:14:13.280
<v Speaker 3>And what inspired me was my little neighborhood. I mentioned

0:14:13.320 --> 0:14:16.560
<v Speaker 3>my neighborhood. It's it's a rare, you know, kind of

0:14:16.800 --> 0:14:21.239
<v Speaker 3>old black, middle class neighborhood in our pocket of suburbia.

0:14:21.800 --> 0:14:24.480
<v Speaker 3>And there's just a lot of really cool history here.

0:14:24.600 --> 0:14:28.760
<v Speaker 3>And there's a small kind of civic association. We don't

0:14:28.760 --> 0:14:31.400
<v Speaker 3>pay h away fees, but there is a little group

0:14:31.440 --> 0:14:34.000
<v Speaker 3>of people who, you know, try to keep the neighborhood

0:14:34.360 --> 0:14:36.960
<v Speaker 3>organize and like know your neighbors and stuff. And just

0:14:37.080 --> 0:14:40.760
<v Speaker 3>randomly this these these two people and names Paula and Josie,

0:14:41.000 --> 0:14:43.800
<v Speaker 3>they just hosted a Halloween street party and they shut down,

0:14:44.200 --> 0:14:46.720
<v Speaker 3>they got the street closed off and they had like

0:14:46.760 --> 0:14:50.000
<v Speaker 3>a bouncy castle and we got all dressed up. Rio

0:14:50.160 --> 0:14:52.800
<v Speaker 3>was baby Yoda. I was Rey from Star Wars. That's

0:14:52.840 --> 0:14:54.880
<v Speaker 3>the extent of my Star Wars knowledge. Do not ask

0:14:54.920 --> 0:14:58.360
<v Speaker 3>me any follow up questions. But we all went and

0:14:58.880 --> 0:15:01.640
<v Speaker 3>like Paula's husband was cooking on the grill, and it

0:15:01.760 --> 0:15:05.680
<v Speaker 3>was just so nice. We all social distance, but I

0:15:05.720 --> 0:15:07.600
<v Speaker 3>was like, you know, if we could just stay in

0:15:07.600 --> 0:15:09.920
<v Speaker 3>this little pocket of community in our neighborhood, things are

0:15:10.000 --> 0:15:12.680
<v Speaker 3>nice here. So hopefully I was thinking, you know, look

0:15:12.720 --> 0:15:14.640
<v Speaker 3>at the big tree. Maybe we'll do like a Christmas

0:15:15.160 --> 0:15:17.440
<v Speaker 3>festival thing just for the neighborhood or something, because it

0:15:17.560 --> 0:15:19.360
<v Speaker 3>just it felt really good.

0:15:20.440 --> 0:15:22.840
<v Speaker 1>Yeah, no, that's great. I love, you know what I

0:15:23.240 --> 0:15:25.560
<v Speaker 1>love when a neighborhood is a neighborhood. I grew up

0:15:25.600 --> 0:15:27.760
<v Speaker 1>like in a neighborhood like that, where like I knew

0:15:28.720 --> 0:15:31.200
<v Speaker 1>I would say, on our block there was maybe like

0:15:31.280 --> 0:15:34.960
<v Speaker 1>ten houses, and the ten houses, I think we basically

0:15:35.040 --> 0:15:37.200
<v Speaker 1>knew everyone, you know, and half of them more than

0:15:37.240 --> 0:15:39.840
<v Speaker 1>half of them had kids our age, and so like

0:15:39.880 --> 0:15:43.120
<v Speaker 1>a really neighborhoody neighborhood is great, where like the neighborhood's

0:15:43.120 --> 0:15:45.560
<v Speaker 1>your key, and if you leave your light on, you

0:15:45.600 --> 0:15:47.600
<v Speaker 1>get a text or a phone call or you know,

0:15:47.720 --> 0:15:52.320
<v Speaker 1>those things are those things are nice. My our favorite

0:15:52.320 --> 0:15:55.720
<v Speaker 1>neighbors from across the street, remember the guys Keith, Yeah,

0:15:55.800 --> 0:15:59.600
<v Speaker 1>Keith and Creithan's partner. He just put out his sign Biden,

0:15:59.680 --> 0:15:59.880
<v Speaker 1>come on.

0:16:01.240 --> 0:16:01.400
<v Speaker 3>OK.

0:16:04.720 --> 0:16:05.680
<v Speaker 2>That was like, I guess.

0:16:05.680 --> 0:16:07.520
<v Speaker 3>I sent one to my mother because I was like,

0:16:07.600 --> 0:16:09.080
<v Speaker 3>I was going to buy one, but it's like thirty

0:16:09.080 --> 0:16:11.440
<v Speaker 3>five bucks and they honestly, we don't need another Biden

0:16:11.520 --> 0:16:14.360
<v Speaker 3>sign in my area. We're very progressive here. But I

0:16:14.400 --> 0:16:16.880
<v Speaker 3>sent one to her because she's in like this. Uh,

0:16:16.920 --> 0:16:20.360
<v Speaker 3>she's in this pocket outside of Saint Louis, Missouri, where

0:16:20.440 --> 0:16:23.840
<v Speaker 3>it's kind of dicey. And she told me on on Halloween,

0:16:23.880 --> 0:16:25.480
<v Speaker 3>when they had all the trick or treats coming through

0:16:25.480 --> 0:16:27.800
<v Speaker 3>their neighborhood, one of her neighbors came up and he

0:16:27.920 --> 0:16:30.200
<v Speaker 3>just whispered. He's like, I don't want people to hear

0:16:30.240 --> 0:16:33.920
<v Speaker 3>me say this, but I like your sign. I like

0:16:33.960 --> 0:16:37.440
<v Speaker 3>your Biden sign. She also has a Black Lives Matter sign.

0:16:37.520 --> 0:16:40.640
<v Speaker 3>My mom has been I just wow, she has come

0:16:40.680 --> 0:16:43.600
<v Speaker 3>a long way, long way, and I don't think she

0:16:43.640 --> 0:16:45.680
<v Speaker 3>would have come this far without the pandemic and the

0:16:45.720 --> 0:16:48.800
<v Speaker 3>real uncomfortable discussions we had as a family this summer.

0:16:48.920 --> 0:16:53.280
<v Speaker 3>And I you know. I it's it's you can't. It's

0:16:53.280 --> 0:16:55.480
<v Speaker 3>hard to be grateful for something that is so awful.

0:16:55.640 --> 0:16:58.480
<v Speaker 3>Over two hundred thousand people in this country alone, millions

0:16:58.520 --> 0:17:01.760
<v Speaker 3>across the world have died. But in a way it

0:17:01.840 --> 0:17:05.840
<v Speaker 3>created the circumstances for these conversations to happen. And my

0:17:05.880 --> 0:17:10.520
<v Speaker 3>mom put out a black lives freaking math's huge. Come on.

0:17:11.800 --> 0:17:17.439
<v Speaker 1>So yeah, I know, I'm not gonna lie. I just

0:17:18.640 --> 0:17:21.119
<v Speaker 1>I have just been online just to like there's certain

0:17:21.400 --> 0:17:24.400
<v Speaker 1>pages that, like, you know, they don't do political because

0:17:24.400 --> 0:17:27.760
<v Speaker 1>I've been like super political, like what that was okay today? No, no, no, no,

0:17:28.400 --> 0:17:31.000
<v Speaker 1>but they're like, you know, like, hey, I'm rebnovating my house.

0:17:31.040 --> 0:17:32.960
<v Speaker 2>I'm like, okay, Oh look at my dog. Isn't he's

0:17:32.960 --> 0:17:35.600
<v Speaker 2>so cute in his Halloween costume. I'm like, oh, he

0:17:35.720 --> 0:17:38.639
<v Speaker 2>is so cuteness Halloween costume. Like so that's That's the

0:17:38.640 --> 0:17:40.199
<v Speaker 2>only time I've been online today is to kind of

0:17:40.200 --> 0:17:41.600
<v Speaker 2>look at that. You know.

0:17:41.720 --> 0:17:44.560
<v Speaker 1>Definitely work with the team. I will say that there

0:17:44.640 --> 0:17:47.480
<v Speaker 1>was a funny meme that Logan on my team prosts.

0:17:47.560 --> 0:17:49.280
<v Speaker 1>I said, Logan, you are a hot mess. This was

0:17:49.359 --> 0:17:52.560
<v Speaker 1>like like this weekend or late last week. She said,

0:17:52.680 --> 0:17:55.880
<v Speaker 1>what y'all wear into next week's civil war?

0:17:56.000 --> 0:18:02.320
<v Speaker 2>I said, Logan, Oh no, I was like loss.

0:18:02.960 --> 0:18:07.200
<v Speaker 3>She was like, what, I don't think our youth are prepared,

0:18:07.320 --> 0:18:09.920
<v Speaker 3>Like no one knows how to fight, Like they don't teach.

0:18:09.720 --> 0:18:11.440
<v Speaker 2>You a battle comic.

0:18:12.760 --> 0:18:15.639
<v Speaker 3>We like all the children today just game like, like

0:18:15.680 --> 0:18:17.480
<v Speaker 3>we're not prepared to fight each other. It's gonna be

0:18:17.520 --> 0:18:18.520
<v Speaker 3>a real funny battle.

0:18:19.400 --> 0:18:21.359
<v Speaker 1>And I was sicker to myself almost like you know

0:18:21.480 --> 0:18:24.320
<v Speaker 1>what Sometimes I'm you know, I'm like when I look

0:18:24.320 --> 0:18:26.320
<v Speaker 1>at Superman, I'm like, oh, he's so rough around the edges.

0:18:26.359 --> 0:18:29.359
<v Speaker 1>I'm not gonna lie times like this, I'm like, yes,

0:18:29.480 --> 0:18:33.040
<v Speaker 1>bring the roughness forward.

0:18:35.280 --> 0:18:40.440
<v Speaker 2>Remember those fights in high school? Bring them for no.

0:18:40.520 --> 0:18:43.040
<v Speaker 2>But like I'm I mean, you never know.

0:18:43.119 --> 0:18:45.119
<v Speaker 1>But like I said, nor if it is pretty liberal

0:18:45.160 --> 0:18:48.040
<v Speaker 1>and pretty you know, we're some andre for the most part,

0:18:48.960 --> 0:18:51.439
<v Speaker 1>even Keith across the street, you know he don't want

0:18:51.440 --> 0:18:53.480
<v Speaker 1>to throw them hands anyway. But plus I see his son.

0:18:53.600 --> 0:18:56.280
<v Speaker 1>Progressives can be assholes too. You know, we're allowing you

0:18:56.320 --> 0:18:58.119
<v Speaker 1>everyone to be very multifaceted.

0:18:58.280 --> 0:18:59.520
<v Speaker 2>You know, true, It's true.

0:18:59.680 --> 0:19:02.080
<v Speaker 3>You know the jerks you're gonna vote vote for Biden,

0:19:02.160 --> 0:19:04.960
<v Speaker 3>you know what I mean? Like we uh we we

0:19:05.000 --> 0:19:08.119
<v Speaker 3>need every every vote counts, okay, even Keith so he

0:19:08.160 --> 0:19:13.359
<v Speaker 3>can get a point. Yeah, all right, well let's let's

0:19:13.359 --> 0:19:17.560
<v Speaker 3>take a quick break future selves. I hope that you

0:19:17.640 --> 0:19:20.320
<v Speaker 3>know you're doing okay and coping well, but let's take

0:19:20.320 --> 0:19:21.920
<v Speaker 3>a quick break, come back with some question.

0:19:54.560 --> 0:19:57.800
<v Speaker 1>So we are back to my favorite section of the show,

0:19:59.200 --> 0:20:03.040
<v Speaker 1>which would be question questions.

0:20:04.200 --> 0:20:06.680
<v Speaker 3>I literally my brain just froze. I'm back.

0:20:08.640 --> 0:20:10.320
<v Speaker 2>What's going on? I'm not gonna lie. Yes, there's so

0:20:10.359 --> 0:20:10.920
<v Speaker 2>much going on.

0:20:11.200 --> 0:20:13.760
<v Speaker 3>There's so much going on. Well, thank y'all. I did

0:20:13.760 --> 0:20:17.760
<v Speaker 3>a really bad Instagram live yesterday because I just wanted

0:20:17.760 --> 0:20:19.239
<v Speaker 3>to say hi and thank you to all of our

0:20:19.280 --> 0:20:21.680
<v Speaker 3>BA fans. And some of you guys were like, hey,

0:20:21.680 --> 0:20:24.359
<v Speaker 3>I've asked a question, it hasn't been answered yet, ask

0:20:24.400 --> 0:20:27.199
<v Speaker 3>it again. You know, just our dms have gotten a

0:20:27.200 --> 0:20:29.840
<v Speaker 3>little Craig Cray. I still try and read them all,

0:20:29.880 --> 0:20:32.000
<v Speaker 3>but sometimes I just you know, I'll forget if I

0:20:32.040 --> 0:20:34.119
<v Speaker 3>read something, So send them again. And also you can

0:20:34.200 --> 0:20:37.399
<v Speaker 3>hit me up at Mandy Money my personal inst a

0:20:37.720 --> 0:20:40.480
<v Speaker 3>Instagram account. Be a little persistent. I'm not mad at that,

0:20:40.840 --> 0:20:43.119
<v Speaker 3>and it's Mandy with an I. But thank y'all for

0:20:43.240 --> 0:20:47.480
<v Speaker 3>joining that, and I will take this question from the

0:20:47.600 --> 0:20:51.120
<v Speaker 3>Graham All right, this comes from Instagram user. We'll call

0:20:51.160 --> 0:20:55.240
<v Speaker 3>her Sam. Sam has a question about some credit card debt.

0:20:55.600 --> 0:20:59.359
<v Speaker 3>All right, you ready? I have about forty three hundred

0:20:59.359 --> 0:21:02.600
<v Speaker 3>dollars left of credit card debt between two credit cards

0:21:02.600 --> 0:21:05.639
<v Speaker 3>with high interest rates. Lending Tree. Oh, I know that company.

0:21:06.000 --> 0:21:09.359
<v Speaker 3>Blending Tree suggests that I take out a personal loan

0:21:09.400 --> 0:21:12.800
<v Speaker 3>and transfer both balances to the personal loan. They also

0:21:12.880 --> 0:21:16.360
<v Speaker 3>suggest that I get more credit because my credit utilization

0:21:16.640 --> 0:21:18.400
<v Speaker 3>or what does she mean? Her my credit is low?

0:21:18.560 --> 0:21:19.760
<v Speaker 3>Probably her just available credit?

0:21:19.840 --> 0:21:21.440
<v Speaker 2>Yeah, utilization, I know. She means.

0:21:21.680 --> 0:21:23.800
<v Speaker 3>I'm nervous. If I attempt to get a loan for

0:21:23.840 --> 0:21:26.000
<v Speaker 3>a house or a car, I may not be approved

0:21:26.040 --> 0:21:28.600
<v Speaker 3>because I don't have enough credit history. I have several

0:21:28.640 --> 0:21:31.439
<v Speaker 3>cards with under twelve hundred dollars credit limits? Is it

0:21:31.440 --> 0:21:33.880
<v Speaker 3>a smart idea to get a personal loan? By the way,

0:21:33.880 --> 0:21:35.399
<v Speaker 3>I love your show, and thank you both for all

0:21:35.440 --> 0:21:37.520
<v Speaker 3>your help through these last few years. Oh, thank you.

0:21:38.080 --> 0:21:38.879
<v Speaker 2>What's her name again?

0:21:39.359 --> 0:21:40.119
<v Speaker 3>Her name is Sam?

0:21:40.680 --> 0:21:48.040
<v Speaker 2>I am Sam? Sam? I am hm. Okay. So here's

0:21:48.080 --> 0:21:48.360
<v Speaker 2>the thing.

0:21:49.280 --> 0:21:56.080
<v Speaker 1>In theory, it is smart to combine your loans or

0:21:56.119 --> 0:21:58.040
<v Speaker 1>to combine what you owe to the credit cards and

0:21:58.400 --> 0:22:01.600
<v Speaker 1>have one loan to pay it off. And and especially

0:22:01.840 --> 0:22:04.960
<v Speaker 1>well only if the loan that they're providing is going

0:22:05.000 --> 0:22:07.560
<v Speaker 1>to be less than the average interust rate of the

0:22:07.560 --> 0:22:09.760
<v Speaker 1>two cards. So let's just say your two cards, you

0:22:09.800 --> 0:22:11.760
<v Speaker 1>average the interestrate, I mean, you add it divided by two,

0:22:11.840 --> 0:22:13.320
<v Speaker 1>and let's just say the interest rate of the two

0:22:13.320 --> 0:22:17.480
<v Speaker 1>credit cards is fifteen percent. But the loan that London

0:22:17.520 --> 0:22:19.879
<v Speaker 1>Tree says, we can give you a loan for nine percent.

0:22:20.440 --> 0:22:24.000
<v Speaker 1>Then yes, in theory logically, so that would make sense.

0:22:24.800 --> 0:22:27.240
<v Speaker 1>But you want to just be careful because what they

0:22:27.240 --> 0:22:33.280
<v Speaker 1>have found is that many people end up yes, consolidating

0:22:33.320 --> 0:22:36.800
<v Speaker 1>their loans, getting the consolidating their credit card dead, getting

0:22:36.840 --> 0:22:38.920
<v Speaker 1>the loan, and then going back and running up the

0:22:38.960 --> 0:22:41.879
<v Speaker 1>credit card dead again. So now you owe lending Tree

0:22:41.920 --> 0:22:44.440
<v Speaker 1>and you still owe the credit cards. It's the reason why.

0:22:44.520 --> 0:22:46.720
<v Speaker 3>Okay, you don't know, we're not a lender. Yeah, well

0:22:46.760 --> 0:22:49.800
<v Speaker 3>you know you owe whatever whatever lender we help you find. Yes, Oh,

0:22:49.920 --> 0:22:51.560
<v Speaker 3>thank you for that clarity. Do you think about that

0:22:51.800 --> 0:22:53.639
<v Speaker 3>marketing problem? People think we're a lender, we're not.

0:22:54.480 --> 0:22:58.480
<v Speaker 1>See we have a London Tree expert. So so if

0:22:58.520 --> 0:23:00.800
<v Speaker 1>you think to yourself. You know what I'm actually not

0:23:00.880 --> 0:23:02.879
<v Speaker 1>I'm going to be able to put the credit cards down.

0:23:03.359 --> 0:23:05.080
<v Speaker 1>Then it might not be a bad idea. I'm not

0:23:05.119 --> 0:23:07.800
<v Speaker 1>a post to. I know some people are like, don't

0:23:07.800 --> 0:23:09.679
<v Speaker 1>get into debt trying to get out of debt. I

0:23:09.760 --> 0:23:13.320
<v Speaker 1>get that, But if you can lower your interest rates significantly,

0:23:13.359 --> 0:23:14.119
<v Speaker 1>it could be worth it.

0:23:14.200 --> 0:23:15.760
<v Speaker 2>Now, here's the thing.

0:23:16.400 --> 0:23:18.679
<v Speaker 1>You're talking about buying a house or getting a car.

0:23:19.240 --> 0:23:20.920
<v Speaker 1>When are you planning on doing those things in the

0:23:21.000 --> 0:23:25.080
<v Speaker 1>next six months. Then you're gonna want to wait because lenders,

0:23:25.480 --> 0:23:28.080
<v Speaker 1>other lenders don't like to see that you've gone gotten

0:23:28.119 --> 0:23:31.600
<v Speaker 1>into a new relationship with a new lender anytime you

0:23:31.640 --> 0:23:33.640
<v Speaker 1>know within usually they'll take you three or four months.

0:23:33.680 --> 0:23:35.480
<v Speaker 1>I always say six months or more to be on

0:23:35.480 --> 0:23:37.720
<v Speaker 1>the super safe side. So if you're looking to do

0:23:37.760 --> 0:23:40.200
<v Speaker 1>any of those those big changes, I would wait, or

0:23:40.240 --> 0:23:43.600
<v Speaker 1>I would just continue to pay down without entering into

0:23:43.720 --> 0:23:45.560
<v Speaker 1>a new agreement with a new loan, because that's what

0:23:45.560 --> 0:23:48.920
<v Speaker 1>really refinancing is. It's just entering into a new loan

0:23:48.960 --> 0:23:52.200
<v Speaker 1>with a new agreement and swapping swapping over old debt

0:23:52.200 --> 0:23:54.000
<v Speaker 1>for new dead So you have to just depend.

0:23:54.000 --> 0:23:55.200
<v Speaker 2>It depends on your discipline.

0:23:55.480 --> 0:23:57.120
<v Speaker 1>You if you know that you could put those cards

0:23:57.160 --> 0:23:59.240
<v Speaker 1>up and not use it, then that means you'll be

0:23:59.280 --> 0:24:01.800
<v Speaker 1>able to pay down that debt faster and cheaper.

0:24:02.640 --> 0:24:05.440
<v Speaker 2>But yeah, so Sam, that's that's my advice.

0:24:06.200 --> 0:24:08.600
<v Speaker 3>Yeah, and I agree. And in terms of credit history,

0:24:09.160 --> 0:24:12.200
<v Speaker 3>when you consolidate credit card debt with a personal loan,

0:24:12.600 --> 0:24:15.439
<v Speaker 3>you're not closing your credit cards. So you know, if

0:24:15.440 --> 0:24:17.840
<v Speaker 3>they're old credit accounts that have been on your credit

0:24:17.920 --> 0:24:19.439
<v Speaker 3>report for a while and you want to keep them

0:24:19.480 --> 0:24:22.000
<v Speaker 3>open because it shows you have a longer credit history,

0:24:22.440 --> 0:24:25.879
<v Speaker 3>they'll still be there. What will happen is that you

0:24:25.920 --> 0:24:28.400
<v Speaker 3>know you'll have a new line of credit on your history,

0:24:28.640 --> 0:24:30.960
<v Speaker 3>and it can it can help your credit score in

0:24:31.000 --> 0:24:34.240
<v Speaker 3>a lot of ways, especially when it comes to utilization rate,

0:24:34.840 --> 0:24:37.960
<v Speaker 3>which is after paying your debts on time. One of

0:24:38.000 --> 0:24:40.359
<v Speaker 3>the most like the most second most important factor in

0:24:40.400 --> 0:24:42.680
<v Speaker 3>your credit score, which is you know how much debt

0:24:42.680 --> 0:24:44.680
<v Speaker 3>you have borrowed against how much debt you have available

0:24:44.720 --> 0:24:47.280
<v Speaker 3>to you. So once those credit cards are down to zero,

0:24:47.600 --> 0:24:49.280
<v Speaker 3>that should really help your rate and you might see

0:24:49.280 --> 0:24:52.280
<v Speaker 3>a lift in your score. And if you're preparing to

0:24:52.320 --> 0:24:54.679
<v Speaker 3>borrow for a home or a car, I think getting

0:24:54.680 --> 0:24:56.639
<v Speaker 3>your credit score in the best possible shape should be

0:24:56.640 --> 0:25:00.000
<v Speaker 3>a priority. And you know, getting that credit card debt

0:25:00.000 --> 0:25:03.359
<v Speaker 3>that paid off is true, and Tiffany's absolutely right. People

0:25:03.359 --> 0:25:06.879
<v Speaker 3>who borrow personal loans to consolidate credit card debt, it

0:25:06.960 --> 0:25:08.879
<v Speaker 3>can feel like, oh, I'm debt free, you know, I

0:25:08.920 --> 0:25:11.600
<v Speaker 3>have this personal loan now, and then you might start

0:25:12.000 --> 0:25:14.439
<v Speaker 3>going down the same path you were on before. And

0:25:14.600 --> 0:25:17.159
<v Speaker 3>sad to say, I have heard that a lot of

0:25:17.200 --> 0:25:20.240
<v Speaker 3>folks who apply for you know, debt consolidation loans, it's

0:25:20.240 --> 0:25:22.359
<v Speaker 3>not their first rodeo. They're doing it again and again

0:25:22.960 --> 0:25:25.800
<v Speaker 3>because they have that issue with credit card debt and

0:25:25.840 --> 0:25:27.680
<v Speaker 3>they kind of think, oh, well, you know, I can

0:25:27.760 --> 0:25:31.240
<v Speaker 3>consolidate it, and I have this kind of band aid.

0:25:31.280 --> 0:25:33.359
<v Speaker 3>But you really have to, you know, get your spending

0:25:33.600 --> 0:25:37.119
<v Speaker 3>under control if you can. But thanks for shopping with

0:25:37.200 --> 0:25:39.960
<v Speaker 3>lending tree, and lending tree is not the only site.

0:25:40.000 --> 0:25:42.040
<v Speaker 3>But you know the good thing about lending tree is

0:25:42.760 --> 0:25:46.880
<v Speaker 3>insights like it you know, a bank rate, geez credible,

0:25:47.000 --> 0:25:50.840
<v Speaker 3>all my competitors. But is you can get matched with

0:25:50.920 --> 0:25:53.960
<v Speaker 3>different lenders and have soft polls on your credits so

0:25:54.000 --> 0:25:56.480
<v Speaker 3>you don't have to like go to physical go to

0:25:56.520 --> 0:25:59.760
<v Speaker 3>bank websites or into physical bank branches to apply for loans.

0:25:59.760 --> 0:26:02.800
<v Speaker 3>You can do it online and get matched with different lenders.

0:26:03.040 --> 0:26:06.000
<v Speaker 3>It's kind of like a marketplace you have or a

0:26:06.040 --> 0:26:09.639
<v Speaker 3>grocery store. You have many different brands of catchup and

0:26:09.680 --> 0:26:11.200
<v Speaker 3>you can choose and see them all on the shelf

0:26:11.200 --> 0:26:12.920
<v Speaker 3>and look at the ingredients and stuff like that. That's

0:26:13.000 --> 0:26:16.639
<v Speaker 3>kind of what lending Tree offers. But yeah, thank you

0:26:16.640 --> 0:26:20.239
<v Speaker 3>for your question, Sam, and hope that helped. All right,

0:26:20.320 --> 0:26:22.439
<v Speaker 3>let's take our next question. This comes from our email

0:26:22.480 --> 0:26:26.679
<v Speaker 3>Brandonbission Podcast at gmail dot com. This listener wants to

0:26:26.680 --> 0:26:30.200
<v Speaker 3>remain anonymous. All right, we love it when you guys

0:26:30.240 --> 0:26:32.520
<v Speaker 3>are brutally honest with us. This is a safe space, okay,

0:26:32.560 --> 0:26:35.840
<v Speaker 3>no judgment zone. Anonymous says, this is a tough question

0:26:35.880 --> 0:26:39.560
<v Speaker 3>for me because I know I'm out of control. Okay, no,

0:26:39.680 --> 0:26:40.600
<v Speaker 3>I'm out of control.

0:26:40.720 --> 0:26:43.080
<v Speaker 2>That's a interesting way to start, Okay.

0:26:44.040 --> 0:26:48.400
<v Speaker 3>I currently own four time shares, but now I can

0:26:48.440 --> 0:26:51.199
<v Speaker 3>honestly say they are a waste of money. Do you

0:26:51.280 --> 0:26:54.000
<v Speaker 3>have any legitimate and effective tips on how I can

0:26:54.080 --> 0:26:57.320
<v Speaker 3>get rid of them? I try to timeshare reseller once before,

0:26:57.359 --> 0:27:00.600
<v Speaker 3>but I only lost money on that path. Three are

0:27:00.640 --> 0:27:02.920
<v Speaker 3>paid off and the fourth one has one more year

0:27:02.960 --> 0:27:06.280
<v Speaker 3>of payments. The annual fees are outrageous for locations I

0:27:06.320 --> 0:27:08.159
<v Speaker 3>have yet to find the time to get to on

0:27:08.200 --> 0:27:11.720
<v Speaker 3>a regular basis. This is my only significant budget issue,

0:27:11.720 --> 0:27:15.760
<v Speaker 3>as my retirement account, emergency savings, and life insurance are

0:27:15.840 --> 0:27:18.480
<v Speaker 3>all good. My next goal is to buy a house

0:27:18.520 --> 0:27:21.480
<v Speaker 3>and start my own coaching business. Please help.

0:27:22.280 --> 0:27:25.880
<v Speaker 1>Ooh okay, so we're gonna call you time share Tina,

0:27:26.520 --> 0:27:27.359
<v Speaker 1>time share Tina.

0:27:27.840 --> 0:27:29.080
<v Speaker 2>So, Tina, do you know.

0:27:29.160 --> 0:27:31.040
<v Speaker 3>She's out of control? Though, Tiffany, does she get points

0:27:31.040 --> 0:27:31.200
<v Speaker 3>for that?

0:27:31.359 --> 0:27:31.560
<v Speaker 2>Yeah?

0:27:31.600 --> 0:27:33.160
<v Speaker 1>No, I'm not gonna hear to judge you, Tina, because

0:27:33.200 --> 0:27:35.439
<v Speaker 1>my parents have a time share, so you know it happens.

0:27:35.480 --> 0:27:37.160
<v Speaker 1>And you know, y'all know my dad is super smart

0:27:37.160 --> 0:27:39.239
<v Speaker 1>when it comes to finances. And I can remember as

0:27:39.240 --> 0:27:41.119
<v Speaker 1>a kid going on the free vacations because he was

0:27:41.160 --> 0:27:43.320
<v Speaker 1>like oky' nobody afford to take five kids on vacation,

0:27:43.640 --> 0:27:46.040
<v Speaker 1>so we would go on the timechare vacation, pretend like

0:27:46.080 --> 0:27:48.239
<v Speaker 1>he was going to get something and never do. But

0:27:48.280 --> 0:27:50.359
<v Speaker 1>then one day they came back with a timeshare.

0:27:50.400 --> 0:27:51.960
<v Speaker 2>This is when we were grown. I'm like, did y'all

0:27:52.000 --> 0:27:53.040
<v Speaker 2>get soft? Apparently?

0:27:53.080 --> 0:27:56.600
<v Speaker 1>So, so I'm not here to judge, but Okay, so

0:27:57.200 --> 0:27:59.400
<v Speaker 1>there's the study. I just looked it up the University

0:27:59.440 --> 0:28:02.119
<v Speaker 1>of Central They did the study that found this is

0:28:02.119 --> 0:28:04.600
<v Speaker 1>for people who have never brought a time share, that

0:28:04.920 --> 0:28:08.800
<v Speaker 1>eighty five percent of times share buyers regret their purchase.

0:28:09.200 --> 0:28:12.280
<v Speaker 1>So just letting that being a lesson that very few

0:28:12.320 --> 0:28:15.960
<v Speaker 1>people ever are happy about their time share purchase for

0:28:15.960 --> 0:28:18.439
<v Speaker 1>those people who've never had one. And there usually is

0:28:18.480 --> 0:28:22.720
<v Speaker 1>like a three to fifteen day period in most states

0:28:22.760 --> 0:28:24.600
<v Speaker 1>it's like five to seven days, but sometimes it's up

0:28:24.640 --> 0:28:26.600
<v Speaker 1>to fifteen days where you can change your mind. But

0:28:26.640 --> 0:28:29.920
<v Speaker 1>I'm assuming time share Tina that you know, obviously we're

0:28:29.960 --> 0:28:33.840
<v Speaker 1>past that period. The only thing that I could see

0:28:33.880 --> 0:28:40.000
<v Speaker 1>as a solution is that you can you can you

0:28:40.040 --> 0:28:41.920
<v Speaker 1>can try to resell people literally you will try to

0:28:41.920 --> 0:28:44.120
<v Speaker 1>sell their timeshare for like a dollar on like Craigslist

0:28:44.240 --> 0:28:46.360
<v Speaker 1>or something. So you can certainly do that, but it's

0:28:46.360 --> 0:28:50.160
<v Speaker 1>almost like finding another time share Tina to pass, like

0:28:50.240 --> 0:28:53.120
<v Speaker 1>push it off on I the sites for example, like

0:28:53.160 --> 0:28:56.560
<v Speaker 1>red week where you can list or eBay where you

0:28:56.560 --> 0:29:01.080
<v Speaker 1>can list your your time share. The only other thing

0:29:01.880 --> 0:29:05.160
<v Speaker 1>is to allow to be foreclosed upon. But it doesn't

0:29:05.200 --> 0:29:07.800
<v Speaker 1>mean that that's it, you know, according to debt dot org.

0:29:09.120 --> 0:29:12.080
<v Speaker 1>You can still have some outstanding fees like late charges,

0:29:12.120 --> 0:29:17.040
<v Speaker 1>attorney's fees, unpaid assessments, fines and interests. So you know,

0:29:17.240 --> 0:29:21.000
<v Speaker 1>I don't know, like if it was overwhelming me, you know,

0:29:21.520 --> 0:29:23.480
<v Speaker 1>I might just take the l for foreclosure, but you

0:29:23.520 --> 0:29:24.160
<v Speaker 1>have four of them.

0:29:24.520 --> 0:29:25.640
<v Speaker 2>I wish I had what.

0:29:25.640 --> 0:29:27.680
<v Speaker 1>I hate about time shares, and there has to be

0:29:27.680 --> 0:29:31.200
<v Speaker 1>some law enacted because honestly, Mandy, just like, no solution.

0:29:31.280 --> 0:29:34.160
<v Speaker 1>How is that the solution that you know what I

0:29:34.200 --> 0:29:37.520
<v Speaker 1>mean that like you should be able to say, well,

0:29:37.560 --> 0:29:39.520
<v Speaker 1>I can pay two years or something like that, but

0:29:39.560 --> 0:29:42.240
<v Speaker 1>it's literally like you find somebody else to take it

0:29:42.280 --> 0:29:45.960
<v Speaker 1>off your hands, or you file, you know, you stop

0:29:46.000 --> 0:29:48.320
<v Speaker 1>paying and you get a foreclosure. I don't see how

0:29:48.360 --> 0:29:51.760
<v Speaker 1>those are the solutions, but unfortunately that's what's out there

0:29:51.760 --> 0:29:52.160
<v Speaker 1>for now.

0:29:52.960 --> 0:29:55.920
<v Speaker 3>I mean, I have I feel like we did an

0:29:56.000 --> 0:29:57.520
<v Speaker 3>article on this a while back. I don't have to

0:29:57.560 --> 0:29:58.479
<v Speaker 3>take up and go find it.

0:29:58.520 --> 0:29:59.240
<v Speaker 2>But I feel like.

0:30:00.680 --> 0:30:02.880
<v Speaker 3>If it's through a resort, is that often through times

0:30:02.880 --> 0:30:06.080
<v Speaker 3>shares are usually through resorts right oftentimes? Yeah, I wonder

0:30:06.120 --> 0:30:09.000
<v Speaker 3>if given the circumstances with the pandemic, like even just

0:30:09.080 --> 0:30:13.000
<v Speaker 3>calling and asking, you know, can you do something for me.

0:30:13.080 --> 0:30:15.560
<v Speaker 3>Can you help me out? Like I wonder if you

0:30:15.600 --> 0:30:17.560
<v Speaker 3>know the resorts might be willing to. I don't know

0:30:17.640 --> 0:30:19.840
<v Speaker 3>whether it's foreclosed or just buy it back from you

0:30:19.880 --> 0:30:22.840
<v Speaker 3>at like a reduced a reduced rate or something like that.

0:30:23.280 --> 0:30:25.000
<v Speaker 3>But I mean it is like a take an l

0:30:25.080 --> 0:30:27.560
<v Speaker 3>kind of situation. I don't know if there's and you've

0:30:27.560 --> 0:30:31.120
<v Speaker 3>already been losing money on it. The yeah, any any

0:30:31.160 --> 0:30:33.200
<v Speaker 3>solution any way to get rid of them, whether it's

0:30:33.560 --> 0:30:35.840
<v Speaker 3>you know, selling it, giving it away for free, finding

0:30:35.880 --> 0:30:38.040
<v Speaker 3>someone else to buy it for a really really cheap price.

0:30:38.440 --> 0:30:40.120
<v Speaker 3>It's going to be one of those take the l

0:30:40.440 --> 0:30:43.160
<v Speaker 3>lesson learned. No more time shares, time share Tina, no

0:30:43.240 --> 0:30:45.680
<v Speaker 3>more cutting you off, ye cutting you off. You need

0:30:45.720 --> 0:30:47.320
<v Speaker 3>to get you know, you want to buy your house

0:30:47.360 --> 0:30:49.840
<v Speaker 3>and all that, and you say that you've got your

0:30:49.880 --> 0:30:53.360
<v Speaker 3>emergency fund and everything else situated, which is good. This

0:30:53.600 --> 0:30:57.840
<v Speaker 3>just maybe one of those times where Okay, we know better,

0:30:57.880 --> 0:31:01.040
<v Speaker 3>we do better. You take the laws now, and you

0:31:01.040 --> 0:31:01.640
<v Speaker 3>you know, move on.

0:31:02.200 --> 0:31:06.360
<v Speaker 1>What I would say is I would probably if I

0:31:06.400 --> 0:31:07.680
<v Speaker 1>was going to get my house, I would get my

0:31:07.720 --> 0:31:10.600
<v Speaker 1>house before I felt like let the other things lapse,

0:31:10.680 --> 0:31:13.560
<v Speaker 1>because it's one thing to have one foreclosure, it's another

0:31:13.600 --> 0:31:16.040
<v Speaker 1>thing to have four for closures on you on your

0:31:16.120 --> 0:31:19.360
<v Speaker 1>credit report. So if you're able and like, you know,

0:31:19.400 --> 0:31:21.760
<v Speaker 1>maybe if all things considered, you know, you're looking pretty

0:31:21.800 --> 0:31:23.440
<v Speaker 1>good because you said you pay the other ones off.

0:31:24.040 --> 0:31:26.760
<v Speaker 1>So if you're able to get your home with these

0:31:27.160 --> 0:31:29.160
<v Speaker 1>while still like you know, having these four time chairs,

0:31:29.200 --> 0:31:31.560
<v Speaker 1>I would probably try to do that first, because I'm

0:31:31.560 --> 0:31:33.840
<v Speaker 1>telling you this is I'm not judging you because firsthand,

0:31:33.840 --> 0:31:36.320
<v Speaker 1>now is my condo that I bought in my twenties

0:31:36.360 --> 0:31:40.200
<v Speaker 1>it foreclosed upon, and so there's some years before I

0:31:40.240 --> 0:31:42.920
<v Speaker 1>was able to be considered for a home, even though

0:31:42.920 --> 0:31:44.840
<v Speaker 1>my credit score was better and I had savings all

0:31:44.920 --> 0:31:47.200
<v Speaker 1>the other stuff. So if it was me and I

0:31:47.240 --> 0:31:50.280
<v Speaker 1>was able to get my home before I potentially just

0:31:50.360 --> 0:31:52.560
<v Speaker 1>like let the other things like lapse, I would do

0:31:52.640 --> 0:31:55.080
<v Speaker 1>that first because unless you're like, oh, I'm not trying

0:31:55.080 --> 0:31:56.520
<v Speaker 1>to buy a home for the next like five years

0:31:56.600 --> 0:31:59.000
<v Speaker 1>or so, then maybe so, but I would get those

0:31:59.000 --> 0:32:00.760
<v Speaker 1>things out of the way first, and then you know,

0:32:01.480 --> 0:32:03.840
<v Speaker 1>rock out in your beautiful home and let those things

0:32:03.880 --> 0:32:06.000
<v Speaker 1>fore close upon. You're going to see a significant dropping

0:32:06.040 --> 0:32:07.520
<v Speaker 1>your credit score, but you'll be able to bring that

0:32:07.560 --> 0:32:10.120
<v Speaker 1>back up again, mine drop from an eight oh two

0:32:10.200 --> 0:32:13.440
<v Speaker 1>to a five forty seven, and now I'm back like

0:32:13.480 --> 0:32:14.960
<v Speaker 1>to like, I think I'm aut a eight to ten now.

0:32:15.040 --> 0:32:16.600
<v Speaker 1>Now it took a couple of years to come back

0:32:16.800 --> 0:32:19.640
<v Speaker 1>to eight ten, but still, you know, it's more than.

0:32:19.560 --> 0:32:23.120
<v Speaker 3>Possible knowing how time can heal wounds, especially credit wounds.

0:32:23.320 --> 0:32:25.760
<v Speaker 3>Like I've got family members you have an eight hundred

0:32:25.760 --> 0:32:29.720
<v Speaker 3>something credit score, and I'm like, wait a second, oh time,

0:32:30.200 --> 0:32:33.160
<v Speaker 3>just time. Seven years is the magic number? You You

0:32:33.240 --> 0:32:36.320
<v Speaker 3>have seven years and then you know, those those negative

0:32:36.360 --> 0:32:39.400
<v Speaker 3>works start falling off and your credit will come back. Well.

0:32:39.400 --> 0:32:42.720
<v Speaker 3>Thank you for bravely sharing your story. Time share Tina,

0:32:42.760 --> 0:32:45.160
<v Speaker 3>and we hope that like follow up with us, let

0:32:45.240 --> 0:32:47.600
<v Speaker 3>us know if you get anywhere, and even if you

0:32:47.680 --> 0:32:50.080
<v Speaker 3>even want to. Sometimes you guys will follow up or

0:32:50.240 --> 0:32:54.080
<v Speaker 3>send questions like, hey, I'm thinking about you know, going

0:32:54.120 --> 0:32:55.920
<v Speaker 3>with this company. Have you heard of it?

0:32:56.320 --> 0:32:56.520
<v Speaker 2>You know?

0:32:56.600 --> 0:32:59.280
<v Speaker 3>I if we have time, or if I have time,

0:32:59.360 --> 0:33:00.800
<v Speaker 3>if you guys want to share, like the name of

0:33:00.840 --> 0:33:03.120
<v Speaker 3>a company, I couldn't do a little bit of vetting,

0:33:03.360 --> 0:33:05.080
<v Speaker 3>but if I were going to do vetting, I would say,

0:33:05.120 --> 0:33:07.640
<v Speaker 3>you know, check with the Better Business Bureau, check the FTC.

0:33:08.320 --> 0:33:11.640
<v Speaker 3>This Consumer Financial Protection Bureau also keeps track of complaints

0:33:11.680 --> 0:33:14.640
<v Speaker 3>against companies. So if you're thinking about working with any

0:33:14.720 --> 0:33:16.880
<v Speaker 3>kind of firm who says that they can help you

0:33:16.920 --> 0:33:18.520
<v Speaker 3>get rid of a time share something like that, you

0:33:18.600 --> 0:33:20.239
<v Speaker 3>just want to do your due diligence first and make

0:33:20.240 --> 0:33:23.040
<v Speaker 3>sure that they're not, you know, doing something shady like

0:33:23.120 --> 0:33:25.320
<v Speaker 3>asking for all their fees up front, which is a

0:33:25.360 --> 0:33:29.360
<v Speaker 3>big red flag and things like that. So thank you

0:33:29.400 --> 0:33:30.200
<v Speaker 3>for your question.

0:33:30.720 --> 0:33:33.440
<v Speaker 2>Yeah, your quistion, would you want to do one more?

0:33:33.720 --> 0:33:35.800
<v Speaker 3>Should we do one more? Is anyone even listening? Are

0:33:35.840 --> 0:33:37.840
<v Speaker 3>they just all at protests right now? I don't know

0:33:38.040 --> 0:33:39.000
<v Speaker 3>what's happening? And more?

0:33:39.400 --> 0:33:40.520
<v Speaker 2>Yeah, let's do one more.

0:33:41.560 --> 0:33:46.080
<v Speaker 3>I've got to distract myselfs Ooh, no, Moss, Oh this

0:33:46.120 --> 0:33:47.520
<v Speaker 3>is funny. I think you and I talked about this,

0:33:47.600 --> 0:33:49.960
<v Speaker 3>But this isn't the question I planned to ask, but

0:33:50.000 --> 0:33:52.000
<v Speaker 3>it just popped up and I'm like, let's just let's

0:33:52.080 --> 0:33:54.520
<v Speaker 3>just get air this out and answer the question, because

0:33:54.560 --> 0:33:57.280
<v Speaker 3>this is not the first question we've gotten. Tiffany people

0:33:57.320 --> 0:34:00.479
<v Speaker 3>want to know you have been talking about your your

0:34:00.520 --> 0:34:03.719
<v Speaker 3>magical sister, which one is at LISTA No, Carol, Carol

0:34:03.880 --> 0:34:06.360
<v Speaker 3>who is like a stock picking wizard and they want

0:34:06.360 --> 0:34:07.560
<v Speaker 3>to know if she can come on and tell them

0:34:07.560 --> 0:34:08.200
<v Speaker 3>what stocks to pick.

0:34:08.239 --> 0:34:11.960
<v Speaker 1>Tiffany, honestly, Carol is gonna say and oh spells no

0:34:12.120 --> 0:34:15.719
<v Speaker 1>because she's like, she's like, I'm not an expert. I'm

0:34:15.840 --> 0:34:19.880
<v Speaker 1>just someone who you know, kind of pays attention to

0:34:19.920 --> 0:34:22.279
<v Speaker 1>the market. But she she's gonna say no because I

0:34:22.280 --> 0:34:23.840
<v Speaker 1>mean she, I mean Carol Supersponts.

0:34:23.840 --> 0:34:24.719
<v Speaker 2>She's an engineer, but.

0:34:25.200 --> 0:34:29.239
<v Speaker 1>She she doesn't do like She's not like Tila who

0:34:29.320 --> 0:34:32.160
<v Speaker 1>was like doing all this research whatever. She does just

0:34:32.320 --> 0:34:34.840
<v Speaker 1>enough to do what she needs to know to move forward.

0:34:35.239 --> 0:34:37.160
<v Speaker 1>And you know, and I'm not gonna say luck because

0:34:37.200 --> 0:34:38.640
<v Speaker 1>you know, like I said, she does just enough. But

0:34:38.680 --> 0:34:41.560
<v Speaker 1>I know her, she's going to be like, what, No,

0:34:42.000 --> 0:34:44.720
<v Speaker 1>I don't want to put someone else's life in my hands.

0:34:44.760 --> 0:34:47.440
<v Speaker 1>Even now, I was looking at like my wealth chat

0:34:48.400 --> 0:34:50.080
<v Speaker 1>and this is like the chat that I have with

0:34:50.120 --> 0:34:52.560
<v Speaker 1>her and a couple of other friends, and she was

0:34:52.600 --> 0:34:54.800
<v Speaker 1>posting like, hey guys, she just hit me and said,

0:34:55.120 --> 0:34:56.640
<v Speaker 1>do you have money in your robin hood?

0:34:56.680 --> 0:34:57.120
<v Speaker 2>I said yes.

0:34:57.160 --> 0:35:01.080
<v Speaker 1>She said, Okay, here are some stocks to you know

0:35:01.280 --> 0:35:06.200
<v Speaker 1>that keep an eye on, you know, especially after the election,

0:35:06.440 --> 0:35:09.680
<v Speaker 1>because you're we're likely to see some sort of dip

0:35:09.680 --> 0:35:12.360
<v Speaker 1>which is a great time to purchase. And so she

0:35:12.520 --> 0:35:15.520
<v Speaker 1>like she shared, like you know, like a screenshot of

0:35:15.600 --> 0:35:17.480
<v Speaker 1>like you know, like four or five stocks and like

0:35:17.800 --> 0:35:21.200
<v Speaker 1>what pricing I should be looking at. But like I said,

0:35:21.200 --> 0:35:22.680
<v Speaker 1>she kind of cobbles together things.

0:35:22.680 --> 0:35:23.680
<v Speaker 2>She's not just.

0:35:23.560 --> 0:35:26.359
<v Speaker 3>Teasing the people tip and he don't say, I ain't

0:35:26.400 --> 0:35:31.600
<v Speaker 3>trying to be stock advisors, y'all, but not. But you're

0:35:31.719 --> 0:35:34.640
<v Speaker 3>absolutely But her her instincts are so right. The principles

0:35:34.640 --> 0:35:36.480
<v Speaker 3>of investing are you want to buy low and sell

0:35:36.560 --> 0:35:39.359
<v Speaker 3>high and when you just have to have a good

0:35:39.360 --> 0:35:41.440
<v Speaker 3>stomach for it and money to play with play. But

0:35:41.480 --> 0:35:42.920
<v Speaker 3>I will say an operative word.

0:35:43.080 --> 0:35:45.279
<v Speaker 2>That this is what you know, what I can do.

0:35:45.920 --> 0:35:49.200
<v Speaker 1>I can share with you who she follows and really

0:35:49.239 --> 0:35:51.719
<v Speaker 1>says knows their stuff, and she like says, like you know,

0:35:51.760 --> 0:35:54.200
<v Speaker 1>they explain it well. So she really likes Tila. That's

0:35:54.200 --> 0:35:58.080
<v Speaker 1>someone she likes. She also likes a gentleman on Instagram

0:35:58.080 --> 0:36:00.600
<v Speaker 1>that she said that she likes him a lot. I

0:36:00.640 --> 0:36:04.000
<v Speaker 1>think his name is mister the Master Investor. She likes

0:36:04.040 --> 0:36:08.120
<v Speaker 1>him a lot. Now he is someone that studies study, study,

0:36:08.160 --> 0:36:12.520
<v Speaker 1>studies stocks and picks and not only picks, but she

0:36:12.680 --> 0:36:14.719
<v Speaker 1>looks at his stock picks and then compares her to

0:36:14.719 --> 0:36:17.120
<v Speaker 1>what she's thinking. But he's really good at like sharing

0:36:17.160 --> 0:36:20.040
<v Speaker 1>kind of like this is like basically historically about all

0:36:20.080 --> 0:36:22.839
<v Speaker 1>the research that I've done. If this stock falls below

0:36:22.880 --> 0:36:24.680
<v Speaker 1>this price, it's a really good price. So she really

0:36:24.719 --> 0:36:28.799
<v Speaker 1>likes Ian the Master Investor. She likes Tila Hocum, like

0:36:28.840 --> 0:36:30.560
<v Speaker 1>I said, And what I can do is I can

0:36:30.600 --> 0:36:33.040
<v Speaker 1>certainly ask who does she follow besides these two?

0:36:33.040 --> 0:36:34.360
<v Speaker 2>This is why I just heard her talk about.

0:36:34.480 --> 0:36:37.560
<v Speaker 1>But also too, maybe like what resources she's using to

0:36:37.600 --> 0:36:40.400
<v Speaker 1>make a decisions? I think that'll be a better a

0:36:40.440 --> 0:36:42.360
<v Speaker 1>better choice, Like, hey, these are the people that she

0:36:42.400 --> 0:36:44.160
<v Speaker 1>thinks are really great. These are the books that she

0:36:44.280 --> 0:36:46.920
<v Speaker 1>relied upon. This is like she uses Robin Hood and

0:36:47.239 --> 0:36:48.880
<v Speaker 1>you know, I don't know E Trade or whatever, So

0:36:48.920 --> 0:36:51.200
<v Speaker 1>I can I ask her those things, but yeah, she's

0:36:51.239 --> 0:36:51.719
<v Speaker 1>not coming on.

0:36:52.200 --> 0:36:55.520
<v Speaker 3>Yeah, And also it seems Carol has done her research.

0:36:55.600 --> 0:36:57.880
<v Speaker 3>And anybody can do research, like anyone can read the

0:36:57.880 --> 0:37:00.279
<v Speaker 3>books and learn the principles of investing. And I always

0:37:00.280 --> 0:37:03.200
<v Speaker 3>just tell my little brother about this because I'm like, listen,

0:37:03.239 --> 0:37:05.319
<v Speaker 3>even if you hire an investment advisor or someone who's

0:37:05.320 --> 0:37:07.600
<v Speaker 3>going to pick stocks for you. I think it's really

0:37:07.640 --> 0:37:10.000
<v Speaker 3>important for everyone to have a baseline understanding of like

0:37:10.040 --> 0:37:12.399
<v Speaker 3>what are they actually doing, and what like what's the

0:37:12.560 --> 0:37:15.359
<v Speaker 3>you know, what are standard you know, principles and and

0:37:15.480 --> 0:37:18.560
<v Speaker 3>really just understanding how the sausage gets made so that

0:37:18.640 --> 0:37:20.880
<v Speaker 3>you can be an educated consumer and you don't feel like,

0:37:21.880 --> 0:37:24.920
<v Speaker 3>I feel super uncomfortable if anyone's in a relationship with

0:37:24.920 --> 0:37:27.160
<v Speaker 3>a financial advisor or even just like a relative who's

0:37:27.160 --> 0:37:29.440
<v Speaker 3>making decisions and giving you advice, but you don't know

0:37:29.480 --> 0:37:32.560
<v Speaker 3>the thought that goes into it and the rationale behind

0:37:32.600 --> 0:37:36.800
<v Speaker 3>it exactly. But yeah, all right, no, Carol, you guys,

0:37:36.840 --> 0:37:37.960
<v Speaker 3>I know, but.

0:37:38.040 --> 0:37:43.839
<v Speaker 2>She's gonna she's going to be giggling like she's like no.

0:37:43.960 --> 0:37:46.279
<v Speaker 1>Plus, Carol has two little ones and all they do

0:37:46.320 --> 0:37:47.240
<v Speaker 1>is scream in the background.

0:37:47.520 --> 0:37:51.400
<v Speaker 3>So can I know, can Carol, can you curate a

0:37:51.440 --> 0:37:53.840
<v Speaker 3>list from Carol before this show airs?

0:37:55.320 --> 0:37:55.520
<v Speaker 2>Yeah?

0:37:55.520 --> 0:37:57.239
<v Speaker 1>Oh yeah, so certainly I can just say, you mean,

0:37:57.280 --> 0:37:58.880
<v Speaker 1>like just a list of the people that she likes

0:37:58.920 --> 0:37:59.440
<v Speaker 1>to learn.

0:37:59.280 --> 0:38:01.840
<v Speaker 3>From, I like her faceavorite resources. Yeah, I can do

0:38:01.920 --> 0:38:03.920
<v Speaker 3>that and we can send it to Cali, Carol and Kelly.

0:38:04.560 --> 0:38:06.520
<v Speaker 3>All right, and you can check the show notes for that.

0:38:06.960 --> 0:38:10.279
<v Speaker 3>All right, thank you, guys, so much for your questions. Lord,

0:38:10.360 --> 0:38:10.880
<v Speaker 3>have mercy.

0:38:10.960 --> 0:38:11.279
<v Speaker 2>I can't.

0:38:11.400 --> 0:38:14.640
<v Speaker 3>I'm like, I'm nervous to stop the show because once

0:38:14.800 --> 0:38:15.680
<v Speaker 3>the show is over.

0:38:15.800 --> 0:38:17.759
<v Speaker 2>Tiffany, Well, we do have boost and break, we do

0:38:17.800 --> 0:38:18.240
<v Speaker 2>have booster.

0:38:18.480 --> 0:38:20.400
<v Speaker 3>I know, I know, but it's like the end is

0:38:20.400 --> 0:38:23.160
<v Speaker 3>coming and I'm like, I won't talk to you again.

0:38:23.280 --> 0:38:25.160
<v Speaker 2>It's gonna be a whole different world. I know.

0:38:25.360 --> 0:38:26.400
<v Speaker 3>All Right, I'm getting it together.

0:38:26.800 --> 0:38:28.120
<v Speaker 2>Woos.

0:38:28.360 --> 0:38:30.800
<v Speaker 3>All right, let's get into these boost and breaks.

0:38:32.120 --> 0:38:38.080
<v Speaker 2>So now is it's time to boost, break up? Boost

0:38:38.280 --> 0:38:42.080
<v Speaker 2>a break? Are you gonna boost me? Or are you

0:38:42.080 --> 0:38:42.680
<v Speaker 2>going to break?

0:38:43.440 --> 0:38:45.879
<v Speaker 3>I feel like I should boost just to keep things light,

0:38:45.960 --> 0:38:48.360
<v Speaker 3>but I really wanted to share the statistic because it

0:38:48.400 --> 0:38:54.000
<v Speaker 3>freaked me out. Okay, fine, I will boost first. I

0:38:54.040 --> 0:38:59.080
<v Speaker 3>we haven't talked about Greenwood Bank yet, and thanks and

0:38:59.080 --> 0:39:01.120
<v Speaker 3>shout out to whoever Instagram was like, hey, y'all going

0:39:01.200 --> 0:39:03.480
<v Speaker 3>to talk about Greenwood because I totally we just did not.

0:39:03.520 --> 0:39:06.200
<v Speaker 3>We skipped right over it. But yeah, Greenwood Bank. I

0:39:06.239 --> 0:39:08.080
<v Speaker 3>don't know if they've officially launched it. There's a wait

0:39:08.080 --> 0:39:11.560
<v Speaker 3>list I believe to join. But this is a bank

0:39:11.600 --> 0:39:15.000
<v Speaker 3>that it's all about providing access to banking for black

0:39:15.080 --> 0:39:19.160
<v Speaker 3>and Latin X consumers check it out. Is dope great.

0:39:19.160 --> 0:39:22.000
<v Speaker 3>I think the website's just Greenwoodbank dot com. We'll put

0:39:22.000 --> 0:39:23.400
<v Speaker 3>a link in the show notes. But I thought this

0:39:23.560 --> 0:39:25.000
<v Speaker 3>was really good.

0:39:25.680 --> 0:39:26.560
<v Speaker 2>Yes, I love that.

0:39:26.640 --> 0:39:29.520
<v Speaker 1>I just I think, you know, having alternatives to banks

0:39:29.560 --> 0:39:31.759
<v Speaker 1>that don't say, hey, I would love to hire black

0:39:31.760 --> 0:39:34.839
<v Speaker 1>and brown people, but there's just no talented ones. Yeah,

0:39:34.880 --> 0:39:37.680
<v Speaker 1>so it's it's nice to have altered.

0:39:37.719 --> 0:39:39.840
<v Speaker 3>I would love to give my money to an institution,

0:39:40.000 --> 0:39:42.920
<v Speaker 3>like a black owned bank, especially like you know, the

0:39:42.960 --> 0:39:45.560
<v Speaker 3>thing is, we put it. We put together a list

0:39:45.640 --> 0:39:48.160
<v Speaker 3>Magnifi money dot com of black owned banks in America,

0:39:48.200 --> 0:39:50.359
<v Speaker 3>and you know they're dwindling, but there's still there still

0:39:50.400 --> 0:39:53.359
<v Speaker 3>are some in black owned bank institutions, black owned institutions

0:39:53.360 --> 0:39:57.279
<v Speaker 3>out there. What I found is like largely the rates

0:39:57.280 --> 0:39:59.960
<v Speaker 3>are not as competitive as like, especially the online bank.

0:40:00.160 --> 0:40:02.399
<v Speaker 3>You know, it's hard for them to compete, and when

0:40:02.440 --> 0:40:06.000
<v Speaker 3>you're trying to save strategically, it's like, ah this, you know,

0:40:06.160 --> 0:40:08.080
<v Speaker 3>you want to get the higher indust rate and you

0:40:08.120 --> 0:40:10.560
<v Speaker 3>know you have a little bit more accessibility with the

0:40:10.600 --> 0:40:13.200
<v Speaker 3>big with the big players. But at the same time,

0:40:13.239 --> 0:40:16.240
<v Speaker 3>I'm like, okay, if Greenwood can, like you know, really

0:40:16.840 --> 0:40:19.560
<v Speaker 3>get hit the map and and offer like competitive rates,

0:40:19.880 --> 0:40:22.920
<v Speaker 3>you know, modern services like all that stuff. Then that

0:40:22.960 --> 0:40:25.520
<v Speaker 3>could be really meaningful because it's so true. You know,

0:40:25.560 --> 0:40:29.360
<v Speaker 3>we have to vote with our dollars sometimes and listen

0:40:29.960 --> 0:40:32.360
<v Speaker 3>and where are money, like the banks that we go to.

0:40:32.440 --> 0:40:34.160
<v Speaker 3>If I have to read one more damn story about

0:40:34.160 --> 0:40:37.600
<v Speaker 3>Wells Fargo doing some crazy shit with people's money, it's like,

0:40:38.160 --> 0:40:40.080
<v Speaker 3>you know, I hope that this is not the first.

0:40:40.120 --> 0:40:41.440
<v Speaker 3>I hope this is the start of like a new

0:40:41.480 --> 0:40:45.440
<v Speaker 3>wave of minority owned financial institutions for our for the

0:40:45.480 --> 0:40:49.320
<v Speaker 3>sake of our our futures. Huh. I know, go Tiffany,

0:40:49.360 --> 0:40:50.719
<v Speaker 3>what's your break?

0:40:51.040 --> 0:40:54.359
<v Speaker 1>No, I just so I'll say that that I was

0:40:54.480 --> 0:40:57.719
<v Speaker 1>just thinking that today that, like you know, I am

0:40:57.800 --> 0:41:01.400
<v Speaker 1>seeing because of social media and online it has provide

0:41:01.440 --> 0:41:05.520
<v Speaker 1>opportunities for black and brown people like never before. It

0:41:05.600 --> 0:41:11.200
<v Speaker 1>has allowed you to bypass and sidestep certain gatekeepers. And

0:41:11.280 --> 0:41:12.799
<v Speaker 1>that's what I was telling myself today. I was like,

0:41:12.800 --> 0:41:15.320
<v Speaker 1>you know, I'm in a lot of like Facebook groups

0:41:15.320 --> 0:41:18.200
<v Speaker 1>and things where people are making their first six figures

0:41:18.239 --> 0:41:20.239
<v Speaker 1>because you know, they started an online business to cater

0:41:20.440 --> 0:41:23.080
<v Speaker 1>to people just like them. Like, Hey, I'm a black woman,

0:41:23.480 --> 0:41:25.120
<v Speaker 1>do black women want to buy my T shirts?

0:41:25.120 --> 0:41:27.279
<v Speaker 2>Sure do? Do you want to buy my skincare? Sure do?

0:41:27.920 --> 0:41:30.160
<v Speaker 2>So I just that kind of.

0:41:30.120 --> 0:41:31.840
<v Speaker 1>Gives me, you know, like a little bit of So

0:41:31.880 --> 0:41:34.000
<v Speaker 1>I was like really leaning heavily on that today because

0:41:34.040 --> 0:41:37.680
<v Speaker 1>I was just thinking that, you know that there there

0:41:37.760 --> 0:41:39.360
<v Speaker 1>is some hope. And you know what else happened that

0:41:39.440 --> 0:41:41.640
<v Speaker 1>was really good? Did we talk about Angela v McKnight

0:41:41.719 --> 0:41:42.160
<v Speaker 1>last time?

0:41:42.840 --> 0:41:43.239
<v Speaker 3>We did?

0:41:43.320 --> 0:41:43.600
<v Speaker 2>Okay?

0:41:43.680 --> 0:41:43.919
<v Speaker 3>Good?

0:41:44.360 --> 0:41:47.400
<v Speaker 1>So that too, because what I'm realizing too is that

0:41:47.400 --> 0:41:50.160
<v Speaker 1>there are you know, there's these little windows of opportunity

0:41:50.160 --> 0:41:53.560
<v Speaker 1>that really can really transform people's lives. So the more

0:41:53.800 --> 0:41:57.040
<v Speaker 1>that we are capable of being self sufficient, the more

0:41:57.080 --> 0:41:59.120
<v Speaker 1>we can bring other people up as well. And so

0:41:59.160 --> 0:42:00.840
<v Speaker 1>it just gave me kind of like that hope. You

0:42:00.880 --> 0:42:02.960
<v Speaker 1>know who put the battery in my back? I remember

0:42:03.000 --> 0:42:05.799
<v Speaker 1>it was far nouche at that conference that shall in

0:42:05.840 --> 0:42:06.239
<v Speaker 1>your back?

0:42:06.400 --> 0:42:11.359
<v Speaker 3>She did. I've hearned that expression. Really, no, let's go

0:42:11.480 --> 0:42:13.240
<v Speaker 3>for energized certificate exactly.

0:42:13.280 --> 0:42:15.520
<v Speaker 1>So it was a far nouche at that conference that

0:42:15.560 --> 0:42:18.799
<v Speaker 1>shall shall not be named. And she was sitting on

0:42:18.840 --> 0:42:21.880
<v Speaker 1>a panel and I think I asked a question about

0:42:23.120 --> 0:42:25.400
<v Speaker 1>I was like I had just my company had just

0:42:25.440 --> 0:42:28.520
<v Speaker 1>made six figures. And although I think I made like

0:42:28.520 --> 0:42:31.120
<v Speaker 1>thirty five thousand dollars that year, but I just was

0:42:31.160 --> 0:42:33.560
<v Speaker 1>saying that as I started to do better, I was

0:42:33.600 --> 0:42:36.680
<v Speaker 1>feeling a little guilty, like am I being greedy? Should

0:42:36.680 --> 0:42:39.520
<v Speaker 1>I slow down? And how much do I really need?

0:42:39.560 --> 0:42:42.480
<v Speaker 1>Because I'm kind of fine? And she said, well, if

0:42:42.680 --> 0:42:44.680
<v Speaker 1>I remember if far Noise was just so dope, she said,

0:42:45.080 --> 0:42:47.600
<v Speaker 1>that's great that you're fine. Then the other money is.

0:42:47.560 --> 0:42:48.080
<v Speaker 2>Not for you.

0:42:48.320 --> 0:42:51.920
<v Speaker 1>It's for the causes that only you will champion. It's

0:42:51.960 --> 0:42:54.759
<v Speaker 1>for the people that only you will see. It's for

0:42:54.960 --> 0:42:58.839
<v Speaker 1>the communities that only you are a part of. And

0:42:58.880 --> 0:43:02.440
<v Speaker 1>I remember what Farnoush effectively did. I don't even know

0:43:02.480 --> 0:43:04.880
<v Speaker 1>why I ever thanked her for this, was she made

0:43:05.360 --> 0:43:10.239
<v Speaker 1>my success less about me, because it was hard for

0:43:10.239 --> 0:43:12.200
<v Speaker 1>me to be like, well, how much money do I need?

0:43:12.280 --> 0:43:12.719
<v Speaker 2>How much?

0:43:12.880 --> 0:43:14.680
<v Speaker 1>And there's nothing wrong with having a lot of money,

0:43:14.760 --> 0:43:17.719
<v Speaker 1>but for me, it wasn't motivation enough, and she was

0:43:17.760 --> 0:43:21.640
<v Speaker 1>just selectifany if that's not moving you, then she said,

0:43:21.760 --> 0:43:24.560
<v Speaker 1>not everyone has the opportunity to grow great wealth. Let's

0:43:24.600 --> 0:43:26.680
<v Speaker 1>just like not pretend like we could all do whatever.

0:43:26.760 --> 0:43:29.480
<v Speaker 1>Now there are some of us who have the opportunity

0:43:29.719 --> 0:43:32.359
<v Speaker 1>to make a lot of money, and some even beyond that,

0:43:32.400 --> 0:43:35.080
<v Speaker 1>to grow great wealth. And if you have the opportunity,

0:43:35.120 --> 0:43:37.680
<v Speaker 1>it's selfish not to because it's not just about you.

0:43:37.719 --> 0:43:39.439
<v Speaker 1>It's about the people that you can help and serve.

0:43:39.719 --> 0:43:42.360
<v Speaker 1>And since then, I have never been ashamed to go

0:43:43.680 --> 0:43:48.040
<v Speaker 1>for it, because I honestly don't. I use the money

0:43:48.040 --> 0:43:50.880
<v Speaker 1>that I make, like largely really to because I'm my

0:43:50.880 --> 0:43:52.319
<v Speaker 1>family and I for the most part are good.

0:43:52.680 --> 0:43:52.880
<v Speaker 2>You know.

0:43:52.960 --> 0:43:55.800
<v Speaker 1>I really think about like what's the legacy, what schools

0:43:55.840 --> 0:43:58.920
<v Speaker 1>do I want to build, What people do I want

0:43:58.960 --> 0:44:01.560
<v Speaker 1>to put through through to, you know, give education to.

0:44:02.560 --> 0:44:04.960
<v Speaker 1>So yeah, those are That's really my boost is that,

0:44:05.080 --> 0:44:07.840
<v Speaker 1>like I think that as things change, I think you

0:44:07.840 --> 0:44:10.480
<v Speaker 1>said the best right earlier, Mandy, that like with credit

0:44:10.600 --> 0:44:13.719
<v Speaker 1>or whatever, that with time it's kind of like the

0:44:13.760 --> 0:44:17.920
<v Speaker 1>healer of things. And so as things change, I love

0:44:17.960 --> 0:44:20.239
<v Speaker 1>to see the change of access to opportunities that black

0:44:20.239 --> 0:44:23.040
<v Speaker 1>and brown people have. And if you have those opportunities,

0:44:23.280 --> 0:44:25.840
<v Speaker 1>go for it, go for it as hard as you

0:44:25.920 --> 0:44:28.600
<v Speaker 1>can and come back and bring the rest of us

0:44:28.680 --> 0:44:28.920
<v Speaker 1>with you.

0:44:29.760 --> 0:44:30.680
<v Speaker 2>Oh amen.

0:44:30.880 --> 0:44:33.680
<v Speaker 3>I love that you can tell that anecdote every freaking

0:44:33.719 --> 0:44:36.279
<v Speaker 3>episode for all I care, because it's true and I

0:44:36.640 --> 0:44:41.200
<v Speaker 3>and the and I think it's also just unfortunately or

0:44:41.239 --> 0:44:44.600
<v Speaker 3>fortunately because that's how we're you know, most of us,

0:44:44.640 --> 0:44:46.920
<v Speaker 3>a lot of us women are built is to to

0:44:47.040 --> 0:44:51.239
<v Speaker 3>not to not do things just for ourselves and to

0:44:51.280 --> 0:44:54.319
<v Speaker 3>feel guilty when you're doing them for yourselves. And you know,

0:44:54.360 --> 0:44:57.319
<v Speaker 3>there isn't a ton of virtue and just building a

0:44:57.360 --> 0:44:59.800
<v Speaker 3>big stock pile of money for you to stand on alone,

0:44:59.840 --> 0:45:02.040
<v Speaker 3>like there's my baby in the background who I'm building

0:45:02.080 --> 0:45:06.280
<v Speaker 3>wealth for. But that's why women in power are so needed.

0:45:06.280 --> 0:45:08.200
<v Speaker 3>That one hundred and fifteen women who are running for

0:45:08.280 --> 0:45:12.279
<v Speaker 3>Congress this election, like that women at the table. We

0:45:12.360 --> 0:45:14.880
<v Speaker 3>need a seat. And this is the statistic that I

0:45:15.040 --> 0:45:16.920
<v Speaker 3>was going to break, and I'll share it now in

0:45:16.960 --> 0:45:20.840
<v Speaker 3>this context. Because of the pandemic one and this was

0:45:20.880 --> 0:45:24.799
<v Speaker 3>a survey of forty thousand people, huge survey by McKenzie.

0:45:25.080 --> 0:45:27.960
<v Speaker 3>Because of the pandemic, one in four women say they're

0:45:28.000 --> 0:45:32.680
<v Speaker 3>considering leaving the workforce, work down or significantly taking a

0:45:32.719 --> 0:45:36.840
<v Speaker 3>step back from their workload. And that is that is huge,

0:45:36.880 --> 0:45:40.239
<v Speaker 3>and not in a good way. Fewer women in the

0:45:40.280 --> 0:45:43.400
<v Speaker 3>workforce is bad for families, but it's also bad for

0:45:44.040 --> 0:45:47.280
<v Speaker 3>just the future of our country. We have a different

0:45:47.320 --> 0:45:49.640
<v Speaker 3>point of view. And not just women like Carte Blonde,

0:45:49.719 --> 0:45:52.840
<v Speaker 3>like you know in general, but women have different backgrounds,

0:45:52.840 --> 0:45:58.279
<v Speaker 3>diverse backgrounds, socioeconomic, racial backgrounds. We need more women in

0:45:58.360 --> 0:46:02.359
<v Speaker 3>places of power because we have We're just much more likely,

0:46:02.400 --> 0:46:05.280
<v Speaker 3>I think, to think from a community aspect and to think,

0:46:05.600 --> 0:46:07.160
<v Speaker 3>you know, who can we help and who can we

0:46:07.200 --> 0:46:10.000
<v Speaker 3>bring up, and to think about people beyond ourselves. And

0:46:10.520 --> 0:46:12.480
<v Speaker 3>you know, I saw that stat and I was super

0:46:12.800 --> 0:46:15.319
<v Speaker 3>one grateful that I haven't had to step back that

0:46:15.400 --> 0:46:18.520
<v Speaker 3>I'm just making. I'm determined to just make COVID life

0:46:18.600 --> 0:46:23.000
<v Speaker 3>work with work and childcare. But I'm privileged in that I,

0:46:23.040 --> 0:46:24.880
<v Speaker 3>you know, have resources to help, and I have a

0:46:25.000 --> 0:46:27.560
<v Speaker 3>job that is flexible and I can stay at home,

0:46:27.600 --> 0:46:31.880
<v Speaker 3>and there's not women out there and God and people

0:46:31.920 --> 0:46:36.200
<v Speaker 3>need support. Like it is. People should be enraged about

0:46:36.239 --> 0:46:38.160
<v Speaker 3>so many things, but one of the things we should

0:46:38.200 --> 0:46:41.359
<v Speaker 3>really be enraged about is how our government only did

0:46:41.480 --> 0:46:44.600
<v Speaker 3>one round of stimulus checks for consumers, and that was

0:46:44.719 --> 0:46:48.560
<v Speaker 3>months ago. Unemployment benefits are running out, like families are

0:46:48.600 --> 0:46:51.960
<v Speaker 3>on the brink, and we need elected officials who are

0:46:52.000 --> 0:46:56.640
<v Speaker 3>going to care about the working families and women. I

0:46:56.800 --> 0:46:59.560
<v Speaker 3>believe wholeheartedly. If we get more of them in power,

0:47:00.040 --> 0:47:02.120
<v Speaker 3>we wouldn't have problems like we do now. You know,

0:47:02.200 --> 0:47:04.600
<v Speaker 3>where working families are just being left in the dust

0:47:05.000 --> 0:47:09.200
<v Speaker 3>while you know, politicians squabble. It's unfortunate. But Tiffany, you're

0:47:09.280 --> 0:47:11.919
<v Speaker 3>so you're so so right. We should go and get

0:47:11.920 --> 0:47:15.040
<v Speaker 3>that wealth and know that it's not just for us,

0:47:15.080 --> 0:47:17.560
<v Speaker 3>and let that if you need an excuse to feel

0:47:17.560 --> 0:47:20.520
<v Speaker 3>greedy or selfish, whatever, just remember you're not doing it

0:47:20.600 --> 0:47:22.319
<v Speaker 3>just for yourself, for everybody else.

0:47:22.800 --> 0:47:24.719
<v Speaker 1>When she said that, she said their causes that you're

0:47:24.760 --> 0:47:27.040
<v Speaker 1>going to champion and people that only you would want

0:47:27.040 --> 0:47:28.880
<v Speaker 1>to help, they need you, And I was like, oh

0:47:28.920 --> 0:47:30.440
<v Speaker 1>my gosh, I have to It makes me want to

0:47:30.520 --> 0:47:32.880
<v Speaker 1>text for now if you guys so far I know,

0:47:33.120 --> 0:47:34.560
<v Speaker 1>if you guys don't know far news, she'd.

0:47:34.400 --> 0:47:36.400
<v Speaker 2>Probably love to hear that, right. It's f A R

0:47:36.640 --> 0:47:37.880
<v Speaker 2>N O O s h.

0:47:38.000 --> 0:47:41.879
<v Speaker 1>She is amazing and she is one of the women

0:47:41.880 --> 0:47:44.160
<v Speaker 1>that we just highly respect and love in the in

0:47:44.200 --> 0:47:47.000
<v Speaker 1>the financial education space. She's always been such like an

0:47:47.040 --> 0:47:50.320
<v Speaker 1>amazing giver. She's brown herself. She's actually a New Jersey

0:47:50.320 --> 0:47:52.160
<v Speaker 1>girl living not too far for where I live now.

0:47:52.560 --> 0:47:54.920
<v Speaker 1>But yeah, that was just the like I said, the

0:47:54.920 --> 0:47:57.319
<v Speaker 1>battery in my back, and I just think I'm just

0:47:57.320 --> 0:48:00.160
<v Speaker 1>trying to hold onto that because I don't know, I'm

0:48:00.160 --> 0:48:01.719
<v Speaker 1>not you know, like I'm okay now, but I'm not

0:48:01.760 --> 0:48:03.360
<v Speaker 1>gonna lie. I huh whoo.

0:48:03.840 --> 0:48:05.239
<v Speaker 2>It's like starting to come over with me. I'm like, ah,

0:48:05.239 --> 0:48:09.360
<v Speaker 2>it's getting duck. It's getting duck. I help me almost tomorrow.

0:48:09.800 --> 0:48:13.360
<v Speaker 3>I know, I think we we're gonna have to just

0:48:14.440 --> 0:48:19.200
<v Speaker 3>listen whatever happens. I I have to be I have

0:48:19.239 --> 0:48:23.359
<v Speaker 3>to have I choose optimism because I just don't want

0:48:23.360 --> 0:48:26.600
<v Speaker 3>to be miserable. But however you're feeling, wherever you're at,

0:48:26.680 --> 0:48:29.680
<v Speaker 3>remember to take care of yourselves and your family, whatever happens.

0:48:29.680 --> 0:48:32.920
<v Speaker 3>To protect yourselves, protect your neighbor as well. Reach out

0:48:32.920 --> 0:48:35.960
<v Speaker 3>to neighbors, your community. That's one thing that I think

0:48:36.040 --> 0:48:37.759
<v Speaker 3>is another thing that's come out of this is just

0:48:37.760 --> 0:48:40.120
<v Speaker 3>feeling more so closely connected to my neighbors and my

0:48:40.120 --> 0:48:43.280
<v Speaker 3>neighborhood and my community. So reaching out of helping hand,

0:48:43.760 --> 0:48:46.279
<v Speaker 3>you know, sharing what you have with others, just being

0:48:46.320 --> 0:48:49.600
<v Speaker 3>a kind person. And you know, I think if we

0:48:49.640 --> 0:48:52.400
<v Speaker 3>could just do more of that, then you know, we

0:48:52.400 --> 0:48:55.680
<v Speaker 3>wouldn't have to be so terrified of what's happening. But

0:48:56.400 --> 0:48:59.319
<v Speaker 3>if this podcast, if anyone's listening, I thank you. If

0:48:59.320 --> 0:49:01.920
<v Speaker 3>you're in your bunker is listening, thank you. If we

0:49:01.960 --> 0:49:04.960
<v Speaker 3>can be for this hour together, just a little bit

0:49:04.960 --> 0:49:07.360
<v Speaker 3>of refuge from the insanity out there, so you know

0:49:07.360 --> 0:49:10.439
<v Speaker 3>you're not alone, then we thank you for for being

0:49:10.560 --> 0:49:11.560
<v Speaker 3>in this bunker with us.

0:49:11.800 --> 0:49:12.000
<v Speaker 1>Yeah.

0:49:13.680 --> 0:49:20.640
<v Speaker 2>Oh, a safe space even if you're well, what is it? Uh?

0:49:20.960 --> 0:49:22.799
<v Speaker 2>Trade not trademark to you know? What do we say?

0:49:23.400 --> 0:49:27.839
<v Speaker 3>Tia time char Tina, you're you're in the bunk? Or two?

0:49:28.840 --> 0:49:29.640
<v Speaker 2>Okay?

0:49:31.920 --> 0:49:34.520
<v Speaker 3>Oh man, well here's another I guess we have to

0:49:34.560 --> 0:49:38.960
<v Speaker 3>I'm like, you hang up, you hang up? What do

0:49:39.000 --> 0:49:40.560
<v Speaker 3>we have to look forward to? I would like to

0:49:40.600 --> 0:49:42.919
<v Speaker 3>say last week we did talk about Angela mcviee that's

0:49:42.920 --> 0:49:45.640
<v Speaker 3>her name or Angela Midnight. Why do I see to

0:49:45.680 --> 0:49:49.160
<v Speaker 3>keep doing that? Sorry? She just does not deserve that anyway.

0:49:50.120 --> 0:49:52.480
<v Speaker 3>Who is the what councilwoman.

0:49:51.960 --> 0:49:55.840
<v Speaker 1>Or she's assembly woman of a New Jerseymily woman in

0:49:55.920 --> 0:49:58.680
<v Speaker 1>Jersey City, New Jersey, amazing in Jersey.

0:49:58.400 --> 0:50:01.640
<v Speaker 3>City, who wrote the budget to law with Tiffany years ago.

0:50:01.880 --> 0:50:04.960
<v Speaker 3>And so we talked about that and just about women

0:50:05.000 --> 0:50:08.640
<v Speaker 3>in power and locally elected officials not just on the

0:50:08.680 --> 0:50:10.880
<v Speaker 3>national stage, and how important they are and how impactful

0:50:10.920 --> 0:50:15.560
<v Speaker 3>they can be. And I reached out to the founders

0:50:15.600 --> 0:50:19.440
<v Speaker 3>of Higher Heights, which is a nonprofit that their whole

0:50:19.520 --> 0:50:22.320
<v Speaker 3>mission is to get women of color into elected office

0:50:22.719 --> 0:50:26.440
<v Speaker 3>from the ground up, from super local to national stage,

0:50:26.480 --> 0:50:29.000
<v Speaker 3>and they are definitely interested in coming on the show,

0:50:29.040 --> 0:50:31.560
<v Speaker 3>so I am working on booking them, and the whole

0:50:31.600 --> 0:50:33.040
<v Speaker 3>point of that show. I want to make it all

0:50:33.080 --> 0:50:36.040
<v Speaker 3>about how like I want a brand ambition listener to

0:50:36.120 --> 0:50:39.320
<v Speaker 3>run for office, Like I want to help people understand

0:50:39.320 --> 0:50:41.960
<v Speaker 3>what does it take. How can you get involved at

0:50:41.960 --> 0:50:44.879
<v Speaker 3>your local level? Because like if you look at who

0:50:44.960 --> 0:50:47.640
<v Speaker 3>was in your town, you know, your town council or

0:50:47.719 --> 0:50:50.920
<v Speaker 3>I don't know what kind of different like municipal governments

0:50:50.920 --> 0:50:53.319
<v Speaker 3>out there. Everyone's a little bit different. But there are

0:50:53.719 --> 0:50:55.920
<v Speaker 3>a lot of people serving who have just been serving

0:50:56.200 --> 0:50:59.480
<v Speaker 3>for years and decades, like just because no one else

0:50:59.520 --> 0:51:02.879
<v Speaker 3>has ever chetchallenge that. And I really want to. I'm

0:51:02.880 --> 0:51:05.600
<v Speaker 3>excited to talk to Higher Heights and hear, you know,

0:51:05.680 --> 0:51:08.680
<v Speaker 3>what guidance and tips they might have for anyone listening

0:51:08.719 --> 0:51:10.920
<v Speaker 3>who who has been thinking. You know, I'm ready to

0:51:10.960 --> 0:51:14.120
<v Speaker 3>step up and do something a little bit more that

0:51:14.160 --> 0:51:17.200
<v Speaker 3>would be amazing an ambition pack.

0:51:17.840 --> 0:51:18.480
<v Speaker 2>Exactly, why not?

0:51:18.719 --> 0:51:21.799
<v Speaker 1>Yeah, no, really, honestly, that would be amazing. So I

0:51:21.800 --> 0:51:24.480
<v Speaker 1>want to focus on what we can do so regardless of.

0:51:24.400 --> 0:51:29.200
<v Speaker 3>What happens, well right now, if we can go hug

0:51:29.280 --> 0:51:33.560
<v Speaker 3>our families and take some time and breathe and try

0:51:33.560 --> 0:51:34.920
<v Speaker 3>to avoid the news, that's what I feel like I

0:51:35.000 --> 0:51:38.839
<v Speaker 3>can do right now. Yes, all right, all.

0:51:38.800 --> 0:51:41.160
<v Speaker 2>Right now you on the other side, darling, I'll see

0:51:41.160 --> 0:51:44.200
<v Speaker 2>you at the cross. Well you will be lowly. Let me.

0:51:46.200 --> 0:51:47.839
<v Speaker 3>In my head. Is not what I need right now.

0:51:48.000 --> 0:51:49.680
<v Speaker 2>This is This is a little funny that we could

0:51:49.719 --> 0:51:50.000
<v Speaker 2>end with.

0:51:50.080 --> 0:51:52.200
<v Speaker 1>I was taking a walk today and I saw a

0:51:52.239 --> 0:51:54.120
<v Speaker 1>sign and that said, this doesn't look like, you know,

0:51:54.239 --> 0:51:56.040
<v Speaker 1>a Trump sign or a Biden kamala.

0:51:56.600 --> 0:51:58.840
<v Speaker 2>You know Joe Joe Biden kamala. How as signed? I

0:51:58.880 --> 0:51:59.520
<v Speaker 2>looked up closely.

0:51:59.560 --> 0:52:03.879
<v Speaker 1>Why it's said presidents come and go, but Wu tang

0:52:03.960 --> 0:52:04.360
<v Speaker 1>is forever.

0:52:05.320 --> 0:52:06.719
<v Speaker 3>Oh my god, I'm not gonna lie.

0:52:06.800 --> 0:52:08.640
<v Speaker 2>That gave you a little chuckle all my walk today

0:52:08.680 --> 0:52:10.640
<v Speaker 2>and I said, get no what Wu.

0:52:10.560 --> 0:52:14.040
<v Speaker 1>Tang is forever? So let that sizzle in your spirit,

0:52:14.480 --> 0:52:16.240
<v Speaker 1>no matter what happens tomorrow.

0:52:17.600 --> 0:52:21.680
<v Speaker 3>In your spirit. All right, y'all, hang in there. We'll

0:52:22.520 --> 0:52:25.160
<v Speaker 3>you know, we'll talk to you next week.

0:52:25.560 --> 0:52:27.480
<v Speaker 2>We hope all right.