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Speaker 1: Welcome back to Brown Ambition with Tiffany, Alicia, and Mandre

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Speaker 1: soon to be another last name.

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Speaker 2: You just said Mandre. I did no, no, no no, because

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Speaker 2: that my you. I have friends who call me Mandra

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Speaker 2: because that is that. That accident happens so often. Really

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Speaker 2: at my own graduation, both college and high school, the

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Speaker 2: person reading my name because my last name is Woodruff

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Speaker 2: and when they say Amanda, they start reading Woodruff before

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Speaker 2: they finished, and I think, okay, so it's always been

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Speaker 2: Amandra or Amandra Wandruff.

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Speaker 1: I'm not I can say that.

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Speaker 3: Not bad.

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Speaker 2: That's ok. That's my nickname.

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Speaker 3: I'm so used to it, right, So people always call

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Speaker 3: me Stephanie.

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Speaker 1: I'm like, like, Africans cannot say Tiffany. They cannot. I'm

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Speaker 1: telling you.

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Speaker 3: They're like, You're like, no, Tiffany's like literally and uncles

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Speaker 3: they're like, ah, Steph, how are you. I'm like Steph,

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Speaker 3: So now I have it. I can't even say tiff

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Speaker 3: That's tell you.

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Speaker 2: Like how a native Spanish speaker might say, they put

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Speaker 2: e in the friend and most words.

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Speaker 3: But I was gonna say that the natives they do that,

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Speaker 3: both the Africans, West Indians and Hispanic people tend to

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Speaker 3: call me Stephanie.

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Speaker 2: So that is your linguistic lesson of the day, Brown ambition.

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Speaker 2: It's important to learn languages, so you know what it's

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Speaker 2: We're already almost halfway through February. That's why is it

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Speaker 2: sucks that this is the shortest month. But I thought

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Speaker 2: we could kick off the show by sharing a little

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Speaker 2: bit of black history. If you don't mind, are you

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Speaker 2: down for the something I learned today? Let's do let's

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Speaker 2: let's do it.

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Speaker 3: Well.

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Speaker 2: I Well, one thing I'll point out is so the

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Speaker 2: end day n double a CP Image Awards for yesterday,

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Speaker 2: so I relived it through my Instagram feed. I don't

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Speaker 2: actually know what channel they come on, but uh, I

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Speaker 2: never actually watched it, but I always tune in for

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Speaker 2: the speeches after So of course Hidden Figures one and

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Speaker 2: they're amazing. But then Denzel won for his role in Fences,

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Speaker 2: and he gave just a really I mean, I feel

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Speaker 2: like Denzel should have been a preacher if he wasn't

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Speaker 2: like a multimillion dollar, you know, award winning actor. But

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Speaker 2: he can preach, you know, and it's like, really, yes,

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Speaker 2: if you haven't you need to go. I might play

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Speaker 2: a clip of his speech but he just gave an

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Speaker 2: amazing speech. He was like, basically the theme of his

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Speaker 2: speech was that don't let anyone tell you this is easy.

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Speaker 2: It's hard and if and I'm glad that it's hard,

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Speaker 2: because if it weren't like he says, easiness is a

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Speaker 2: bigger threat to success than difficulty, and he talks about that,

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Speaker 2: he talks about the benefit of challenges, and you can

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Speaker 2: just I don't know. I just felt like I went

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Speaker 2: to church in two and a half minutes.

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Speaker 1: I'd do very much.

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Speaker 4: Thank you, very much, Thank you, Tanny See Williams, Arthur Miller,

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Speaker 4: Eugene O'Neil, Edward Albie, August Wilson. August Wilson is one

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Speaker 4: of the greatest playwrights in the history of American all

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Speaker 4: world theater. It is a privilege and honor, a responsibility,

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Speaker 4: a duty, and a joy to bring his brilliance to

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Speaker 4: the screen. I am particularly proud and happy about the

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Speaker 4: young filmmakers, actors, singers, writers, producers that are coming up

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Speaker 4: behind my generation, in particular Barry Jenkins. Young people understand

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Speaker 4: this young man made ten, fifteen, twenty short films before

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Speaker 4: he got the opportunity to make Moonlight. So never give

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Speaker 4: us up. Without commitment, you'll never start, But more importantly,

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Speaker 4: without consistency, you'll never finish. It's not easy.

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Speaker 1: If it was easy, there'd.

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Speaker 4: Be no Kerry Washington. If it was easy, there'd be

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Speaker 4: no to Rogi Henson p Henson. If it were easy,

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Speaker 4: there'd be no Octavia Spencer. But not only that. If

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Speaker 4: it were easy, there'd be no Viola Davis. If we

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Speaker 4: were easy, there'd be no Michael T. Williamson, no Stephen

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Speaker 4: McKinley Henderson, no Russell Hornsby. If we were easy, there'd be

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Speaker 4: no Denzel Washington. So keep working, keep striving, never give up.

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Speaker 4: Fall down seven times, get up eight.

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Speaker 5: Ease is a greater threat to progress than hardship. He's

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Speaker 5: is a greater threat to progress than hardship.

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Speaker 4: So keep moving, keep growing, keep learning. So yeah, it work.

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Speaker 2: Wow, And it was nice he called that all the

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Speaker 2: different names and the actors and the audience, and just

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Speaker 2: felt so nice. But what I also wanted to share

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Speaker 2: is I read this article and I don't know how

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Speaker 2: I missed this last year, But last year this news

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Speaker 2: came out. So everyone knows Jack Daniels, this famous Southern bourbon.

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Speaker 2: Don't I knew Kennethy, Kennethy, thank you. I was gonna

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Speaker 2: say Tennessee or Kentucky. I forget Tennessee.

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Speaker 1: Yeah.

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Speaker 2: It turns out so the history of the company's over

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Speaker 2: one hundred years old, I think one hundred and fifty

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Speaker 2: years old. And you know, this man named Daniels who

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Speaker 2: created the whiskey was always credited for it. But actually

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Speaker 2: this apparently the original Daniels was taken in by a

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Speaker 2: family and the patriarch of the family is who got

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Speaker 2: him into to making whiskey. But it was that guy's slave,

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Speaker 2: a man uncle Ners or near Us, who was really

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Speaker 2: responsible for all the methods and the recipe for the

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Speaker 2: original Jack Daniel's whiskey. And I never knew that.

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Speaker 1: I think I saw that somewhere. I think I saw

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Speaker 1: an article about that, and I was like.

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Speaker 2: Yeah, Black Enterprise did another story yesterday on it. That's

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Speaker 2: where I read it, and then I was like, wait,

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Speaker 2: they said it happened last year. So this came out

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Speaker 2: last year and the Telegraph, of all places, look at

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Speaker 2: Britain calling out Colena. How America has whitewashed its own history.

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Speaker 2: But yeah, and this guy's descendants have been trying to

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Speaker 2: get him more credit for the actual recipe and all that,

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Speaker 2: but you know, just kind of reminds you. And I

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Speaker 2: mean this was also in the year that you know,

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Speaker 2: Hidden Figures came out, and you just realize there are

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Speaker 2: these like huge moments in history, these huge things that

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Speaker 2: were accomplished, and all these nameless people, these nameles African

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Speaker 2: Americans who don't get credit or didn't get credit. So

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Speaker 2: I just wanted to give a shout out to uncle near.

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Speaker 2: Yeah n e A R I s.

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Speaker 1: Although I don't partake in the drink, I know, but

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Speaker 1: you know, no, that's awesome.

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Speaker 2: Actually, that's funny story. Jack Daniels is like my everyone

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Speaker 2: has like if you do drink, you you know, you

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Speaker 2: have like your trigger liquor, the one it turns you

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Speaker 2: into like a crazy person. That's my trigger liquor. Trigger

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Speaker 2: trigger liquor. That's a dangerous combination of it sounds really terrible.

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Speaker 1: I was somebody I was wearing like a Detroit like sweatshirt.

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Speaker 2: It's just like sweating. I got so nervous.

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Speaker 1: Liquor.

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Speaker 2: Stop saying that exactly.

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Speaker 1: I don't like it.

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Speaker 3: Like it's like funny because it's like the same kind

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Speaker 3: of like player on words and I was like, oh

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Speaker 3: my god, you have a Detroit sweatshirt. And I said, girl,

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Speaker 3: I love the d And then I realized and I

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Speaker 3: said it like so loud, proud, and like I'm just

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Speaker 3: gonna leave that.

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Speaker 2: We all have those moments. That's that's what she said,

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Speaker 2: moment you.

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Speaker 1: Know, yes. And then meanwhile, there's some people who are like,

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Speaker 1: I don't get it.

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Speaker 3: Is that once again, that's one of those You're innocent

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Speaker 3: and we want to keep you that way, so we're

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Speaker 3: not going to explain what that means.

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Speaker 2: Yeah, I don't know. I feel like our audience is

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Speaker 2: on to us to get it.

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Speaker 1: But I I can't wait for the wins because I

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Speaker 1: have an awesome win. But I'm gonna save it.

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Speaker 2: Okay, oh did you buy a house?

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Speaker 1: No? No, no, it's not me. It's an awesome win

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Speaker 1: for somebody who like, I'm like, I'm so proud of that.

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Speaker 2: Oh okay, okay, good. I'm trying to I always do that.

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Speaker 2: Someone's like I have a surprise that I'm like, immediately

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Speaker 2: start trying to guess it until I ruin it. For

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Speaker 2: my song. It's a cute little habit. So the biggest,

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Speaker 2: one of the biggest things, well, two big things in

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Speaker 2: women's news today, women's history. So one step backward is

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Speaker 2: that Betsy de Vos was nominated to be the Department

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Speaker 2: of Education secretary. As a former teacher, Tiffany Leitch, how

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Speaker 2: do you feel having a woman of her you know,

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Speaker 2: lack of stature and experience.

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Speaker 3: That's charge because one thing you learn when you're a

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Speaker 3: teacher is you learn how critical it is for the

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Speaker 3: upper levels of you know, of people who are in

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Speaker 3: education and creating policy, how critical it is is they

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Speaker 3: have at least taught because there's no substitute for that.

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Speaker 3: Like there's certain things that you cannot learn without being

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Speaker 3: in the classroom because you're like, oh, for example, I'm

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Speaker 3: working on you know, like that that literacy bill was

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Speaker 3: my friend who's an Assembly women Assembly Women, Angela v. McKnight, Right,

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Speaker 3: So we're working on this financial literacy bill for elementary

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Speaker 3: and middle school students that they make it mandatory to

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Speaker 3: teach financial education in the lower grades. They already have

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Speaker 3: a law in place for high school. So I met

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Speaker 3: with the Education Committee in New Jersey and the women

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Speaker 3: were like adamant, like they were kind of like pushing

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Speaker 3: against this potential law. And Angela asked if I would

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Speaker 3: come and sit with them and talk with them, and

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Speaker 3: so I did. And this is the pushback. It was like,

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Speaker 3: the educational day is already two packed, and me, being

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Speaker 3: a teacher of ten years, totally got it. And I

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Speaker 3: explained to them, I know what that looked like to

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Speaker 3: have a new you know, some sort of new mandate

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Speaker 3: and then having to fit it where, when, and so

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Speaker 3: what I was explaining is that the way I wanted

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Speaker 3: the law to be phraised was not that you had

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Speaker 3: to set aside time in the day for its financial

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Speaker 3: literacy time. Instead was to give teachers the tools to

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Speaker 3: teach to incorporate it. And they're already packed day. So

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Speaker 3: instead you already have library time. Why can't there be

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Speaker 3: at least three or four books in your library area

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Speaker 3: that deal with money. You're already doing counting. Why can't

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Speaker 3: you know that sometimes some of your counting activities include

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Speaker 3: you counting up money. So that nuance of like, because

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Speaker 3: it's so easy for somebody to say, hey, add this

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Speaker 3: new thing to your classroom.

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Speaker 1: It's good for the kids, But as a teacher, you're.

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Speaker 3: Like why and how and so if you don't get that,

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Speaker 3: if you don't understand what it's really like to implement

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Speaker 3: these like laws and mandates, because ultimately the teacher has

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Speaker 3: to be the one to implement those things, and she

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Speaker 3: doesn't have that nuance understanding. And so it's really frustrating

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Speaker 3: because you know, she's going to make laws and or

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Speaker 3: make changes based upon something that she has no idea

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Speaker 3: how that's going to affect the day to day learning

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Speaker 3: of a child, you know, and you can see the difference,

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Speaker 3: like you know, so it's just really frustrating. But I

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Speaker 3: did get a giggle out of her trying to visit

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Speaker 3: a public school and then.

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Speaker 1: Running her out. Here's a video. I will send it

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Speaker 1: to you so maybe we can share it.

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Speaker 2: In they like protest, there's one guy. Your kids are

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Speaker 2: the wokest of the woke. On another level, I feel

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Speaker 2: like I slept through middle school. These kids are like

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Speaker 2: mm hmmms, Betsy, we see you, we know who you

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Speaker 2: are and have you.

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Speaker 1: But it wasn't the kids.

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Speaker 3: It was like I guess some like protests or so

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Speaker 3: like parents or whatever, and this guy told and he's.

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Speaker 1: Screaming shame, shame, shame.

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Speaker 3: So that's been like that's been like my hashtag with

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Speaker 3: my friends, like shame, shame, And so he's like basically

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Speaker 3: telling her our schools are not for sale.

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Speaker 1: She looks so uncomfortable. They usher her to the car.

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Speaker 3: You know, he doesn't touch her anything, but he's very

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Speaker 3: clear and vocal. But yeah, I'll share the video because

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Speaker 3: I definitely got a snicker. Like you thought it was

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Speaker 3: gonna be easy. She was like, you cannot buy our schools.

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Speaker 1: Shame, sham, shame. That's a good title for the podcast today.

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Speaker 2: Shame, shame, shame. I don't know, I feel like that

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Speaker 2: my term people.

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Speaker 1: Away, like what's happening.

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Speaker 2: This is the Catholic edition of Today's past exactly ten

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Speaker 2: million hail marries for everybody. So the other half of

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Speaker 2: this was so Betsy Devas was, you know, after a

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Speaker 2: highly contested confirmation hearing, finally she was approved. She's in

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Speaker 2: it where you know, it sucks, but it's over. But

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Speaker 2: during the course of the week, Elizabeth Warren had a

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Speaker 2: moment for her. You know, I feel like she's like

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Speaker 2: launching her twenty twenty campaign already. But Miss Lizzie Warren

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Speaker 2: on the floor of the Senate was trying to read

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Speaker 2: the letter from Credit Scott King criticizing Jeff sessions from

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Speaker 2: back in the eighties. Credit Scott King wrote this letter

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Speaker 2: and while she was reading it, apparently there's some like

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Speaker 2: old rule on the Senate floor that you're not able

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Speaker 2: to disparage actual lawmakers like your your senate brethren or whatever,

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Speaker 2: and they invoke that and kicked her off the floor.

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Speaker 2: But there's you know what they say about when you

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Speaker 2: ban a book or when you ban something like there's

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Speaker 2: you're not by banning it, You're only ensuring that everyone

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Speaker 2: is going to read it, like way more people are

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Speaker 2: going to hear it or read it than ever before.

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Speaker 2: And of course, what did miss Lizzie Warren do. I

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Speaker 2: love her, She's my spirit animal. And those purple pants suits,

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Speaker 2: I love it. She went outside and proceeded to read

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Speaker 2: the letter on Facebook Live and got like over two

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Speaker 2: million views, and it was all over the news. She's

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Speaker 2: got her own hashtag.

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Speaker 3: Now, let's Lizzie speak, Let Lizzie speak, Let Liz speak.

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Speaker 2: But then and hashtag, she persisted, it's everywhere. I mean,

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Speaker 2: it's gone viral. She's still I got an email from

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Speaker 2: her campaign like this happened on a Tuesday. By Thursday morning,

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Speaker 2: I had an email saying you can buy your she

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Speaker 2: persisted t shirts on Elizabeth Warren got I was like,

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Speaker 2: all right, all right, all right, I mean, you know,

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Speaker 2: goes toward her campaign or whatever, but uh yeah, I

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Speaker 2: just so shout out to Elizabeth Warren and I feel

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Speaker 2: like her voice, you know, was absolutely heard in the end.

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Speaker 2: And who was it that Chuck Schumer came in behind

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Speaker 2: her and he was able to read the whole thing?

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Speaker 2: You know what I do? You know, hearing that, I

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Speaker 2: just have to say, I feel a little weird hearing

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Speaker 2: about the the protesting. Well, the way you know, Elizabeth

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Speaker 2: Warren was treated was sort of people were saying, you

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Speaker 2: know what, they had done that to a man. Because

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Speaker 2: then Chuck Schumer came right behind her and read his

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Speaker 2: letter and then to hear the I mean, I know

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Speaker 2: that Betsy da Voss is like completely unexperienced for this

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Speaker 2: office and all that kind of thing, But I wonder

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Speaker 2: if the same sort of visceral reaction would be happening

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Speaker 2: if it were a guy. I mean, I don't think

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Speaker 2: Jeff Sessions is getting run out of you know where

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Speaker 2: if he goes near a police precinct or I don't know,

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Speaker 2: you know what I mean. I and when you said

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Speaker 2: the shame, shame, shame. That made me think of Game

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Speaker 2: of Thrones when you know, as a nerd Game of Thrones,

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Speaker 2: there's a central scene that's like famous and the queen

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Speaker 2: is being shamed by this church who has all this power,

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Speaker 2: and she's forced walk naked through the town and as

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Speaker 2: she walks, they yell. This nun is yelling shame, shame,

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Speaker 2: shame at her the whole way down, and it was

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Speaker 2: sort of seen as like a and she's you know

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Speaker 2: in jail, in church jail, which used to be a thing,

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Speaker 2: I guess, wow, for committing adultery. So it's it's it's

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Speaker 2: just fascinating. I mean, yes, there's reasons to completely you know,

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Speaker 2: not want her anywhere near our public schools and our

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Speaker 2: you know, higher education. But I don't know, I just

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Speaker 2: I'm trying to like step take a step back and

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Speaker 2: listen to how how people are criticizing and how they're

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Speaker 2: sort of treating people, you know, as Voldemort is fleshing

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Speaker 2: out his cabinet, I mean I think she's like the

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Speaker 2: only woman.

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Speaker 1: Right, Yeah, well yeah, I think so.

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Speaker 2: I can't think of any other women in his cabinet.

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Speaker 2: I mean, so, uh, it's just it's it's it's interesting,

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Speaker 2: and I'll just I'll just leave it there at dot

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Speaker 2: dot dot.

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Speaker 3: I will I'll give you some update about my I

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Speaker 3: told you a little earlier we had some update about.

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Speaker 2: My house search done.

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Speaker 1: So I've learned so much about this process. I meant,

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Speaker 1: what so you know?

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Speaker 3: So one, for those of you who know Superman and I,

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Speaker 3: I wanted to buy a house.

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Speaker 1: You know, we just recently were engaged.

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Speaker 3: But one of the reasons why I wanted to get

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Speaker 3: a house, it's because when when we first started dating,

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Speaker 3: you know.

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Speaker 1: I knew I wanted to purchase a house.

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Speaker 3: I had one before when I was like in my

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Speaker 3: twenties and lost it to a foreclosure, and I wanted

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Speaker 3: to do it right the second time around.

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Speaker 1: And as we started to get more serious, I realized, Huh, if.

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Speaker 3: We purchased the house in the right way, I can

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Speaker 3: really and we can really position Superman, my fiance to

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Speaker 3: to to really start a business.

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Speaker 1: And so he works for the city where we live

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Speaker 1: in Newark, for the.

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Speaker 3: Housing Authority, and one of the things he does is

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Speaker 3: that he flips properties and stuff for them. It's like

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Speaker 3: knows how to fix everything. So I thought, well, why

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Speaker 3: don't we get multi family house since literally this is

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Speaker 3: what you do for a living. And he was like,

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Speaker 3: I don't want to be a landlord.

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Speaker 1: And it took like a year and a half, but

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Speaker 1: finally I was like, you are a landlord. You are

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Speaker 1: a landlord.

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Speaker 3: You're a landlord of three hundred units, so what's you know,

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Speaker 3: like you're doing it? And so I'm like, but you know,

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Speaker 3: and so we did the math and it wasn't until

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Speaker 3: we did the math that we saw that after basically

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Speaker 3: three multi family houses, it well exceeded what he made

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Speaker 3: as as working for the city. And so not going

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Speaker 3: to say that he would quit, but at least that

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Speaker 3: was an option for if I decide that I no

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Speaker 3: longer want to work for the city. Once we get

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Speaker 3: three properties, you know, I've more than matched my income.

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Speaker 3: So that was like my dream because I, you know,

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Speaker 3: I travel a lot, and sometimes he wants to go

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Speaker 3: and can't get off work and he wants to kind

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Speaker 3: of go back to school, but you know, he's raising his.

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Speaker 1: Daughter, so he doesn't have as much time.

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Speaker 3: So we've been looking for multi family properties and we

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Speaker 3: wanted to live in Newark because Newark is really starting

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Speaker 3: to yeah, pop honestly, Like you know, they talk about

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Speaker 3: places starting to transform, and they've been talking about Newark

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Speaker 3: is coming for years.

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Speaker 1: But it's fine. You should have heard.

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Speaker 2: I went to a baby yesterday and all the way

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Speaker 2: out in Long Island and those crowd of people were

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Speaker 2: talking about Newark. So you watch out.

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Speaker 1: I know, honestly, it's Mandy.

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Speaker 3: It's like scary, like scary, but exciting. I mean if yeah,

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Speaker 3: there's so many first of all, one like you know,

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Speaker 3: the they it's almost basically here. They have these new

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Speaker 3: apartments downtown Newark for a one bedroom Mandy twenty two.

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Speaker 1: Hundred dollars, what Newark, New Jersey twenty two hundred dollars

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Speaker 1: for a one bedroom.

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Speaker 3: It's crazy because Newark has already has two trains that

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Speaker 3: go directly to New York City. They're building a third,

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Speaker 3: so you're gonna have three trains directly to the city.

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Speaker 3: And I can literally from Newark get to Midtown faster

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Speaker 3: than somebody from Brooklyn can. And then Newark has an

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Speaker 3: international airport that flies everywhere in the world, so it's

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Speaker 3: already and then it's right next to a port. It's

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Speaker 3: it's the position of Newark is already perfectly positioned it

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Speaker 3: just the infrastructure was there but not being utilized. And

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Speaker 3: so now they're starting to clean up the neighborhoods. And

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Speaker 3: there's one neighborhood in particular that I particularly like. It's

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Speaker 3: a Weekway section of Newark. It's very family focused, so

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Speaker 3: everybody there has lived there for like I lived here

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Speaker 3: twenty years, I lived to ten years during the riots.

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Speaker 1: Is one of the few neighborhoods that did not fall

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Speaker 1: victims to the riots.

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Speaker 3: So the houses are beautiful, like nineteen thirty, nineteen nineteen,

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Speaker 3: and I love those kind of like old houses, and

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Speaker 3: many of them have been renovated. So we've been looking,

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Speaker 3: but it's been discouraging because a lot of the houses

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Speaker 3: have not been kept up.

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Speaker 1: So you might find a house for eighty.

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Speaker 3: Thousand dollars and you're like, well, I don't know that

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Speaker 3: we have the skill set yet to renovate at this level.

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Speaker 3: Or you see a house for like two fifty or

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Speaker 3: two seventy and you're like really, like the floor is

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Speaker 3: pulled up, like is it even worth this?

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Speaker 1: So we finally found the house this weekend, whoo whoo.

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Speaker 1: So Mandy, it is perfect. I cannot wait for to

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Speaker 1: have you a fiance bou to come.

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Speaker 2: Is it a house? Are you doing? Are you doing?

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Speaker 3: Like the multifamily, it's a multi family, and so this

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Speaker 3: is what's so great about it.

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Speaker 1: It's three units. It's in my beloved Weekway section where

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Speaker 1: I want to live. It's two blocks from the park.

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Speaker 1: Weekway is famous for the Weekway Park.

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Speaker 3: It's a beautiful park, and they're even renovated even that,

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Speaker 3: but it's already a beautiful park with a big lake

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Speaker 3: in the middle. So it's super close to the airport.

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Speaker 3: It's three family. Two of the units are already rented.

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Speaker 3: Unit one is renting for one thousand dollars a month.

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Speaker 3: The unit two is rerunning for fifteen hundred, so twenty

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Speaker 3: five hundred. This is already making. So we did the

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Speaker 3: I spoke to my mortgage guy a couple of days

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Speaker 3: ago and I said, you know, how much would the

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Speaker 3: mortgage be for this house if we put fah loan

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Speaker 3: thirty year, two percent down, current interest rate, our mortgage

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Speaker 3: would be two thousand dollars a.

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Speaker 1: Month if we lived there.

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Speaker 3: And so so rent is already making twenty five hundred.

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Speaker 3: Our mortgage is two thousand so one we live rent

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Speaker 3: free and two we make five hundred dollars a month.

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Speaker 1: Woo.

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Speaker 3: And what makes the house so great is that, like online,

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Speaker 3: I didn't even want to go see it because my

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Speaker 3: realtor was like, let's go see it, but I said no,

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Speaker 3: it says there's only five bedrooms total in the three

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Speaker 3: family house. So I'm like, five bedrooms is not enough.

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Speaker 3: That's just two bedrooms for a unit and one bedroom

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Speaker 3: in the unit in the attic. She said, let's still

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Speaker 3: go see it. So she tricked me and made me go,

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Speaker 3: I don't know who wrote the listing. It's not five

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Speaker 3: bedrooms total. One unit is five bedrooms. Fandy, five bedrooms

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Speaker 3: in one unit, and beautiful horns were forced through it,

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Speaker 3: I know. So I walk in and I'm like, wait,

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Speaker 3: this place is huge. And then we go and I'm like, oh,

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Speaker 3: so here's one bedroom in the front. That's weird, but

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Speaker 3: there's another bedroom here, and then this bedroom has an

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00:21:15,760 --> 00:21:17,760
Speaker 3: office off of it, and then there's three in the.

436
00:21:17,720 --> 00:21:19,160
Speaker 1: Back and I'm like, whoa, whoa, whoa.

437
00:21:19,480 --> 00:21:22,880
Speaker 3: So one and a half as five bedrooms in office

438
00:21:23,160 --> 00:21:26,160
Speaker 3: open concept, but it's still it was built in nineteen thirty,

439
00:21:26,200 --> 00:21:28,520
Speaker 3: so it has my charm. So if that wasn't good enough.

440
00:21:28,840 --> 00:21:31,479
Speaker 3: The price of the house is actually like, so, well,

441
00:21:32,680 --> 00:21:34,800
Speaker 3: so what place. It's a two hundred and thirty nine

442
00:21:34,800 --> 00:21:37,600
Speaker 3: thousand for a three bedroom, three family that's nothing. And

443
00:21:37,640 --> 00:21:39,119
Speaker 3: then we went go to the back and I said, well,

444
00:21:39,160 --> 00:21:40,880
Speaker 3: let's see the backyard. And I was like, oh, there's

445
00:21:40,880 --> 00:21:42,760
Speaker 3: a cute little garden kind of space. I said, oh,

446
00:21:42,800 --> 00:21:45,080
Speaker 3: there's not much of a backyard, but okay. And then

447
00:21:45,119 --> 00:21:47,879
Speaker 3: behind the backyard there's this little like park and I

448
00:21:47,920 --> 00:21:49,200
Speaker 3: was like, oh, this is cute. It had like a

449
00:21:49,240 --> 00:21:51,280
Speaker 3: little slide and I'm like, oh, this is like you know,

450
00:21:51,320 --> 00:21:52,879
Speaker 3: it looks like a slide that somebody bought, like for

451
00:21:52,920 --> 00:21:54,760
Speaker 3: their kid. And I'm like, this park is cute, but

452
00:21:54,800 --> 00:21:57,920
Speaker 3: it seems weird that there's a park behind the houses

453
00:21:58,160 --> 00:21:59,399
Speaker 3: because how would anybody reach it?

454
00:21:59,440 --> 00:22:01,400
Speaker 1: Like how did they get to this park? So she's

455
00:22:01,400 --> 00:22:02,679
Speaker 1: looking at the listing and she's.

456
00:22:02,600 --> 00:22:05,400
Speaker 3: Like, wait, I don't think that's a park. I think

457
00:22:05,400 --> 00:22:07,920
Speaker 3: that's that's part of the property. You have a double lot.

458
00:22:08,200 --> 00:22:10,959
Speaker 3: Mandy almost peed my pants. We have a park, like

459
00:22:11,119 --> 00:22:14,359
Speaker 3: literally it's all fenced in, like it's we have a park.

460
00:22:14,400 --> 00:22:16,960
Speaker 3: We have our own park. So like if we have kids,

461
00:22:16,960 --> 00:22:18,520
Speaker 3: if we don't want to go to the park, you

462
00:22:18,520 --> 00:22:21,200
Speaker 3: know up the street. Like here you go in the backyard,

463
00:22:21,240 --> 00:22:23,520
Speaker 3: and the neighbor of the next door neighborhood she came out.

464
00:22:23,560 --> 00:22:26,200
Speaker 3: It was funny because a superman actually knew her. They

465
00:22:26,240 --> 00:22:27,200
Speaker 3: were old coworkers.

466
00:22:27,600 --> 00:22:29,879
Speaker 1: And I asked her and I said, this piece in

467
00:22:29,920 --> 00:22:30,639
Speaker 1: the back is that all?

468
00:22:30,760 --> 00:22:32,360
Speaker 3: She said, yeah, she said if you look next door

469
00:22:32,359 --> 00:22:34,320
Speaker 3: where she lives, she's got a double lot too.

470
00:22:34,320 --> 00:22:36,320
Speaker 1: She said, see all of this back here, she's got

471
00:22:36,320 --> 00:22:38,560
Speaker 1: her own park. And I was like, are you.

472
00:22:38,840 --> 00:22:40,640
Speaker 2: Giving up parks to people in Newark?

473
00:22:41,040 --> 00:22:44,000
Speaker 3: I couldn't believe a double lot. It's basically a quarter

474
00:22:44,000 --> 00:22:47,120
Speaker 3: of an acre, that's how big this property is. What Meanwhile,

475
00:22:47,200 --> 00:22:51,440
Speaker 3: Newark has notoriously low taxes, so like it's like half

476
00:22:51,440 --> 00:22:53,960
Speaker 3: the taxes of the surrounding area. So this house is

477
00:22:54,000 --> 00:22:56,320
Speaker 3: like you don't understand how I've been like, we saw

478
00:22:56,359 --> 00:22:57,879
Speaker 3: the house yesterday.

479
00:22:58,560 --> 00:22:59,200
Speaker 1: Was it yesterday?

480
00:22:59,359 --> 00:23:02,280
Speaker 3: I believe yes today yep, and put an offer in already,

481
00:23:02,680 --> 00:23:04,639
Speaker 3: and like so I've been calling, like I was like

482
00:23:04,760 --> 00:23:07,840
Speaker 3: calling all of my like my team, my lawyer, my

483
00:23:07,920 --> 00:23:08,639
Speaker 3: mortgage person.

484
00:23:08,680 --> 00:23:09,399
Speaker 1: I know they've been annoyed.

485
00:23:09,400 --> 00:23:10,840
Speaker 3: I'm like, I know it's Saturday. I know it's Sunday,

486
00:23:10,840 --> 00:23:14,160
Speaker 3: but honestly, I need this property, Like where are we.

487
00:23:14,119 --> 00:23:18,800
Speaker 1: Going to find this? And so this is how God works.

488
00:23:18,920 --> 00:23:22,800
Speaker 1: If you believe in him and I do, the good thing.

489
00:23:22,119 --> 00:23:28,200
Speaker 2: Is going well exactly. That's my that's my standard. Otherwise

490
00:23:28,240 --> 00:23:32,879
Speaker 2: he ain't real. I don't want any angry emails. I'm fine.

491
00:23:33,960 --> 00:23:37,520
Speaker 1: So this is what this is what we found out.

492
00:23:37,560 --> 00:23:40,440
Speaker 3: So literally, the listing was just opened two days ago,

493
00:23:40,520 --> 00:23:41,960
Speaker 3: so we saw it like on the second or third

494
00:23:42,000 --> 00:23:44,160
Speaker 3: day of that. The listing was open and they're only

495
00:23:44,200 --> 00:23:48,000
Speaker 3: showing the property on Saturdays from eleven to noon. So

496
00:23:48,080 --> 00:23:51,399
Speaker 3: we went and for whatever reason, this was the first

497
00:23:51,400 --> 00:23:54,000
Speaker 3: showing and the person on the third floor and on

498
00:23:54,040 --> 00:23:56,720
Speaker 3: the second floor they weren't available, so we were only

499
00:23:56,760 --> 00:23:59,840
Speaker 3: able to see at first the first floor. And as

500
00:23:59,880 --> 00:24:01,680
Speaker 3: we were leaving, the person I served for it happened

501
00:24:01,680 --> 00:24:03,399
Speaker 3: to like, I guess, come home when we were leaving it,

502
00:24:03,400 --> 00:24:03,960
Speaker 3: and he let us.

503
00:24:03,880 --> 00:24:06,320
Speaker 1: See his apartment. But everyone else that went to go

504
00:24:06,359 --> 00:24:06,720
Speaker 1: see it.

505
00:24:06,640 --> 00:24:11,399
Speaker 3: Because one it's not saying five five bedrooms per unit,

506
00:24:11,600 --> 00:24:13,640
Speaker 3: it's saying five bedrooms total. So a lot of people

507
00:24:13,680 --> 00:24:16,399
Speaker 3: are not going because they're like that's too small. You know,

508
00:24:16,520 --> 00:24:19,639
Speaker 3: So that's one and then two those who did go

509
00:24:19,720 --> 00:24:22,280
Speaker 3: to see it and they're like, whoa, there's five bedrooms

510
00:24:22,280 --> 00:24:23,879
Speaker 3: in this one unit I'm allowed to see.

511
00:24:24,000 --> 00:24:26,320
Speaker 1: They're waiting until next week to see the rest of

512
00:24:26,359 --> 00:24:26,840
Speaker 1: the units.

513
00:24:26,880 --> 00:24:29,400
Speaker 3: We're like, we're not gonna wait because next week it's

514
00:24:29,400 --> 00:24:31,200
Speaker 3: going to be like a bidding war. So I'm trying

515
00:24:31,240 --> 00:24:33,359
Speaker 3: to lock it in. So we put in our offer.

516
00:24:34,119 --> 00:24:36,160
Speaker 3: They basically kind of accepted it, and we're trying to

517
00:24:36,280 --> 00:24:38,720
Speaker 3: push through attorney review, which is like the So what

518
00:24:38,760 --> 00:24:41,000
Speaker 3: happens when you buy a house. You see it, you

519
00:24:41,040 --> 00:24:43,560
Speaker 3: love it, You tell your your realtor, I want to

520
00:24:43,560 --> 00:24:45,840
Speaker 3: make an offer. So even before that, you should have

521
00:24:45,920 --> 00:24:47,840
Speaker 3: your financing in place. So you find a bank that

522
00:24:47,880 --> 00:24:49,560
Speaker 3: you want to work with, and they give you what's

523
00:24:49,600 --> 00:24:52,800
Speaker 3: called a pre qualification letter, which basically the bank saying

524
00:24:53,280 --> 00:24:55,840
Speaker 3: Tiffany's good, if she finds a house, we're going to

525
00:24:55,920 --> 00:24:58,239
Speaker 3: give her money up to this amount of money. And

526
00:24:58,280 --> 00:25:02,320
Speaker 3: typically the pre file pre free qualification letter you match

527
00:25:02,320 --> 00:25:04,719
Speaker 3: it to the house. So if the house is two fifty,

528
00:25:04,760 --> 00:25:08,240
Speaker 3: the bank will create a letter specifically for that house saying, yes,

529
00:25:08,280 --> 00:25:11,040
Speaker 3: we'll give Tiffany too fifty and if we find a

530
00:25:11,040 --> 00:25:13,680
Speaker 3: different house. Yes, we'll give you money for up to

531
00:25:13,720 --> 00:25:16,159
Speaker 3: two seventy nine whatever it is that your income and

532
00:25:16,200 --> 00:25:16,880
Speaker 3: stuff will bear.

533
00:25:17,119 --> 00:25:18,760
Speaker 1: The bank will create a letter.

534
00:25:18,600 --> 00:25:21,160
Speaker 3: Specifically for whatever house you're interested in. So every time

535
00:25:21,200 --> 00:25:23,159
Speaker 3: you see a house, you have to call your mortgage

536
00:25:23,160 --> 00:25:25,720
Speaker 3: person if you're interested, for them to create a new letter. Meanwhile,

537
00:25:25,760 --> 00:25:29,119
Speaker 3: this is Saturday. I text David, I emailed him, I

538
00:25:29,160 --> 00:25:31,800
Speaker 3: called him. He got my letter within ten minutes. I

539
00:25:31,800 --> 00:25:34,080
Speaker 3: send it to the mortgage person. She said it to them.

540
00:25:34,200 --> 00:25:38,280
Speaker 3: She said it to the buyer's agent and they were like, okay,

541
00:25:38,520 --> 00:25:39,800
Speaker 3: you know, like you know, it's full.

542
00:25:39,840 --> 00:25:40,679
Speaker 1: It's a full offer.

543
00:25:41,040 --> 00:25:44,240
Speaker 3: So you know, the next step really is my attorney

544
00:25:44,280 --> 00:25:49,240
Speaker 3: tomorrow is going to review and submit to say you

545
00:25:49,280 --> 00:25:53,399
Speaker 3: know that yes Tiffany will Superman will buy this house

546
00:25:53,480 --> 00:25:56,240
Speaker 3: pending there's no lead, there's no you know, just basic

547
00:25:56,280 --> 00:25:58,520
Speaker 3: things that you want to put inside the letter. And

548
00:25:58,560 --> 00:26:01,119
Speaker 3: so if they accept that and woo who on you.

549
00:26:01,560 --> 00:26:05,080
Speaker 3: Once you exit attorney review, they can't take in any offers.

550
00:26:05,160 --> 00:26:07,280
Speaker 3: So right now we're in a very iffy place because

551
00:26:07,600 --> 00:26:10,840
Speaker 3: they can still take offers, but not too many people

552
00:26:10,840 --> 00:26:12,359
Speaker 3: wanted to make an offer because they didn't get to

553
00:26:12,359 --> 00:26:14,440
Speaker 3: see the rest of the house. They're waiting until next week.

554
00:26:14,680 --> 00:26:17,200
Speaker 3: So if we can lock this up before Friday, it's

555
00:26:17,240 --> 00:26:21,639
Speaker 3: our house. So that's like, I know, I feel like it's.

556
00:26:21,520 --> 00:26:22,880
Speaker 1: Like like who wants to be a millionaire?

557
00:26:22,880 --> 00:26:25,200
Speaker 3: And I'm like, e so like, which is crazy because

558
00:26:25,200 --> 00:26:27,359
Speaker 3: tomorrow I go take the reel on Tuesday, and so

559
00:26:27,400 --> 00:26:29,240
Speaker 3: I'm like, gonna be on a plane for six hours.

560
00:26:29,240 --> 00:26:30,640
Speaker 1: So I'm like, so many gets, so many things can

561
00:26:30,680 --> 00:26:32,000
Speaker 1: happen in six hours.

562
00:26:32,200 --> 00:26:34,080
Speaker 2: You know, it's Wi Fi on planes, I know.

563
00:26:34,680 --> 00:26:36,160
Speaker 1: So I'm like, I'm buying it for the first time.

564
00:26:36,160 --> 00:26:39,359
Speaker 3: My cheek behind is gonna get it, and so yeah,

565
00:26:39,359 --> 00:26:42,480
Speaker 3: so now we're just I'm just waiting to see what

566
00:26:42,520 --> 00:26:44,640
Speaker 3: the other side would say. And so it's such such

567
00:26:44,680 --> 00:26:48,280
Speaker 3: a great learning lesson my My realtor came to me today.

568
00:26:48,359 --> 00:26:50,600
Speaker 3: She knows I really want it, and she said, Okay,

569
00:26:51,119 --> 00:26:55,199
Speaker 3: here's what could possibly happen. Somebody could say, Okay, instead

570
00:26:55,200 --> 00:26:57,800
Speaker 3: of two thirty nine the asking price, we'll give you

571
00:26:57,800 --> 00:27:00,440
Speaker 3: two forty two. So she said, what what you can

572
00:27:00,440 --> 00:27:03,000
Speaker 3: do to combat that? Is say, she said, you can

573
00:27:03,040 --> 00:27:05,480
Speaker 3: add an addendum to your offer, and the offer would

574
00:27:05,520 --> 00:27:08,600
Speaker 3: say if somebody comes to you with a higher price,

575
00:27:09,160 --> 00:27:13,440
Speaker 3: we will exceed it by one thousand dollars automatically up

576
00:27:13,480 --> 00:27:16,520
Speaker 3: to this amount. So today, that's what I have to

577
00:27:16,560 --> 00:27:18,760
Speaker 3: decide tonight before we got on and take.

578
00:27:19,160 --> 00:27:22,359
Speaker 2: Doesn't that make them want to get another? Like, doesn't

579
00:27:22,359 --> 00:27:23,879
Speaker 2: that make them want to start a bedding more a

580
00:27:23,880 --> 00:27:24,320
Speaker 2: little bit?

581
00:27:25,000 --> 00:27:28,000
Speaker 1: Well, they're risthic there is. So that's the risk. The

582
00:27:28,040 --> 00:27:31,480
Speaker 1: good thing is is that they can't. They can't say, hey,

583
00:27:31,520 --> 00:27:31,959
Speaker 1: we got to all.

584
00:27:32,000 --> 00:27:35,000
Speaker 3: They have to show us the other person's offer, like

585
00:27:35,040 --> 00:27:37,919
Speaker 3: someone has to come and say yes, and they have

586
00:27:38,000 --> 00:27:40,320
Speaker 3: to show us the official offer to say this person

587
00:27:40,440 --> 00:27:43,600
Speaker 3: actually put in for two forty five. So I my

588
00:27:44,040 --> 00:27:47,200
Speaker 3: task was to go to my mortgage guid and I

589
00:27:47,200 --> 00:27:48,879
Speaker 3: felt so bad. It was like Sunday night. So I

590
00:27:48,880 --> 00:27:51,720
Speaker 3: was like, hey, David, so the house is two thirty

591
00:27:51,800 --> 00:27:54,120
Speaker 3: nine right now, and that means our mortgage is two

592
00:27:54,160 --> 00:27:57,720
Speaker 3: thousand right now. The house is making twenty five hundred

593
00:27:57,720 --> 00:27:59,639
Speaker 3: dollars a month at the very least, we want to

594
00:27:59,640 --> 00:28:02,400
Speaker 3: break even, no, no, no money out of our pocket

595
00:28:02,440 --> 00:28:05,399
Speaker 3: every month? How much house can we buy up to

596
00:28:05,440 --> 00:28:09,120
Speaker 3: twenty five hundred? And he was like, honestly, the house

597
00:28:09,200 --> 00:28:12,480
Speaker 3: is two thirty nine at if the house was to seventy,

598
00:28:12,880 --> 00:28:14,320
Speaker 3: your mortgage would be twenty.

599
00:28:14,040 --> 00:28:16,200
Speaker 1: Two hundred a month, And I said, oh, I was

600
00:28:16,240 --> 00:28:18,040
Speaker 1: actually surprised. I didn't know you could go that high.

601
00:28:18,240 --> 00:28:20,400
Speaker 3: So I said, okay, so that's our new MAX said,

602
00:28:20,560 --> 00:28:24,160
Speaker 3: So I gave Adrian permission that up to two seventy

603
00:28:25,040 --> 00:28:30,679
Speaker 3: she can that Adria my agent, Diana, I gave her

604
00:28:30,720 --> 00:28:34,320
Speaker 3: permission that up to two seventy we can match and

605
00:28:34,400 --> 00:28:37,479
Speaker 3: exceed one hundred dollars by someone else's bid, because what

606
00:28:37,480 --> 00:28:40,520
Speaker 3: that does is automatically they have to go with us. Like,

607
00:28:40,720 --> 00:28:43,200
Speaker 3: so basically, I want this house because it's worth it,

608
00:28:43,480 --> 00:28:46,560
Speaker 3: because it's already below market. Honestly, Mandy, when I looked

609
00:28:46,600 --> 00:28:49,800
Speaker 3: online to get tell anybody I know, I just like, well,

610
00:28:49,840 --> 00:28:51,480
Speaker 3: they don't know where it is. But like, when I

611
00:28:51,520 --> 00:28:54,720
Speaker 3: looked online, the house, according to Zillo and Trulia, is

612
00:28:54,760 --> 00:28:57,640
Speaker 3: worth about three hundred and fourteen thousand dollars. So already,

613
00:28:57,720 --> 00:28:59,959
Speaker 3: even if we get it for two seventy, it's still

614
00:29:00,120 --> 00:29:02,560
Speaker 3: built in equity. So I'm like, I'm willing to pay

615
00:29:02,720 --> 00:29:05,600
Speaker 3: up to two seventy, you know, and still we still

616
00:29:05,600 --> 00:29:07,800
Speaker 3: would not Instead of making five hundred dollars a month,

617
00:29:07,960 --> 00:29:10,160
Speaker 3: we would make three hundred because our mortgage would be

618
00:29:10,240 --> 00:29:12,480
Speaker 3: twenty two and our income would be twenty five and

619
00:29:12,520 --> 00:29:14,760
Speaker 3: we would live rent free. So either way it's a

620
00:29:14,800 --> 00:29:17,160
Speaker 3: win win win. So y'all stay a prayer that by

621
00:29:17,200 --> 00:29:19,280
Speaker 3: the time we come live, I'm like, I got a house, y'all,

622
00:29:19,480 --> 00:29:21,720
Speaker 3: we make him money. And you know from the air,

623
00:29:21,720 --> 00:29:23,800
Speaker 3: this is the beginning stept for Superman to get the

624
00:29:23,840 --> 00:29:25,200
Speaker 3: next one and the next one and the next one

625
00:29:25,320 --> 00:29:27,520
Speaker 3: and hopefully turned this into a business for himself so

626
00:29:27,760 --> 00:29:29,040
Speaker 3: he can have more time freedom.

627
00:29:29,320 --> 00:29:31,760
Speaker 2: And that's the idea for like any repairs and stuff

628
00:29:31,760 --> 00:29:33,880
Speaker 2: that is Superman like, is that the plan that he'll

629
00:29:33,920 --> 00:29:36,280
Speaker 2: be able to handle whatever if it needs work or

630
00:29:36,320 --> 00:29:37,480
Speaker 2: whatever exactly.

631
00:29:37,520 --> 00:29:40,280
Speaker 3: So that's the benefit too, that anything next level that

632
00:29:40,320 --> 00:29:42,280
Speaker 3: he doesn't know how to do because he works in

633
00:29:42,320 --> 00:29:44,960
Speaker 3: that industry. He's got a guy, you know, so he's

634
00:29:44,960 --> 00:29:46,840
Speaker 3: always like all my friends call him, like, he's the

635
00:29:46,880 --> 00:29:49,440
Speaker 3: guy that my friends call when they're like, does Superman know.

636
00:29:49,480 --> 00:29:51,280
Speaker 1: Somebody for you know, next level plumbing?

637
00:29:51,320 --> 00:29:53,680
Speaker 3: He knows a guy. And so that's what makes me

638
00:29:53,800 --> 00:29:55,960
Speaker 3: very comfortable because people don't want to be landlords because

639
00:29:55,960 --> 00:29:58,080
Speaker 3: they worry about that piece. And that's the piece for us.

640
00:29:58,120 --> 00:29:59,080
Speaker 3: That's already taken care of.

641
00:30:00,000 --> 00:30:04,040
Speaker 2: Here's my technical question. How are you guys doing the mortgage?

642
00:30:04,080 --> 00:30:05,600
Speaker 2: Are you both on it or is one of you

643
00:30:05,680 --> 00:30:06,760
Speaker 2: on it? How are you discussing?

644
00:30:07,400 --> 00:30:09,440
Speaker 3: So because I had a foreclosure, I think this is

645
00:30:09,440 --> 00:30:11,880
Speaker 3: the year my foreclosure falls off, So technically I can't

646
00:30:11,920 --> 00:30:14,480
Speaker 3: qualify for a mortgage. So what I did when I

647
00:30:14,480 --> 00:30:16,200
Speaker 3: first started dating him. You know how women were always

648
00:30:16,200 --> 00:30:17,640
Speaker 3: planning in events like we're getting married.

649
00:30:17,640 --> 00:30:18,920
Speaker 1: You just don't know it yet. I know, I just

650
00:30:18,960 --> 00:30:19,240
Speaker 1: met you.

651
00:30:20,560 --> 00:30:24,000
Speaker 3: So when I first met him, within the first six months,

652
00:30:24,080 --> 00:30:25,880
Speaker 3: I taught him how to raise his credit score from

653
00:30:25,920 --> 00:30:28,320
Speaker 3: like a six twenty to a seven fifty, which is excellent.

654
00:30:28,840 --> 00:30:31,680
Speaker 3: And then I showed him how to automatically save, so

655
00:30:32,080 --> 00:30:34,840
Speaker 3: his paycheck that he gets gets split in like three

656
00:30:34,920 --> 00:30:39,400
Speaker 3: or four ways. Money goes into his daughter's college fund,

657
00:30:39,760 --> 00:30:42,440
Speaker 3: money goes into like a savings account for him, and

658
00:30:42,480 --> 00:30:45,680
Speaker 3: now money goes into what's our joint joint savings account

659
00:30:45,720 --> 00:30:48,240
Speaker 3: for the house. And so he's been saving, saving and saving,

660
00:30:49,120 --> 00:30:51,880
Speaker 3: and so so his credit is good. He's worked at

661
00:30:51,880 --> 00:30:54,880
Speaker 3: his job for like sixteen years. He makes you know, enough,

662
00:30:55,320 --> 00:30:57,280
Speaker 3: and he's got the money saved that he's been saving

663
00:30:57,320 --> 00:31:01,000
Speaker 3: for three years. So it's really this this his name

664
00:31:01,040 --> 00:31:03,120
Speaker 3: will go on and he can add me to the deed,

665
00:31:03,400 --> 00:31:04,240
Speaker 3: but I can't go on.

666
00:31:04,360 --> 00:31:06,479
Speaker 1: Financially, I can't go on. And so what we did

667
00:31:06,680 --> 00:31:07,440
Speaker 1: was we looked around.

668
00:31:07,440 --> 00:31:10,240
Speaker 3: So if you're brown, which you know brown ambition, there's

669
00:31:10,240 --> 00:31:13,440
Speaker 3: a bank called M and T Bank that around.

670
00:31:13,560 --> 00:31:15,520
Speaker 2: Are they only Are they only in this region?

671
00:31:16,040 --> 00:31:18,360
Speaker 3: I don't know, Honestly, you should google to see because

672
00:31:18,480 --> 00:31:21,200
Speaker 3: M and T Bank the government is forcing them because

673
00:31:21,200 --> 00:31:26,320
Speaker 3: they they they participated in some discriminatory practices against Latino

674
00:31:26,400 --> 00:31:30,520
Speaker 3: and people are black people, and as a result, the

675
00:31:30,560 --> 00:31:32,440
Speaker 3: government is forcing them to give money to us. So

676
00:31:32,560 --> 00:31:34,720
Speaker 3: M ANDT Bank is going to give us money. I

677
00:31:34,800 --> 00:31:37,479
Speaker 3: know they're gonna give us money up to six percent

678
00:31:37,600 --> 00:31:39,800
Speaker 3: of the loan amount. So it's about we're gonna get

679
00:31:39,800 --> 00:31:42,880
Speaker 3: about fourteen thousand dollars from M ANDT Bank of just

680
00:31:42,960 --> 00:31:45,160
Speaker 3: money toward the house, so you can put it toward

681
00:31:45,160 --> 00:31:47,840
Speaker 3: the down payment, you can put it toward closing costs,

682
00:31:47,880 --> 00:31:50,640
Speaker 3: whatever it is. Six percent of the maxim they'll give

683
00:31:50,680 --> 00:31:53,920
Speaker 3: you about nineteen thousand dollars in total. And so that's

684
00:31:53,920 --> 00:31:55,640
Speaker 3: why we decided to get our mortgage through them. So

685
00:31:55,640 --> 00:31:57,880
Speaker 3: we can get that free money. Basically you have to.

686
00:31:58,160 --> 00:32:00,440
Speaker 3: The only caveat is with MT Bank as long as

687
00:32:00,440 --> 00:32:02,160
Speaker 3: it's in your area, is that you have to live

688
00:32:02,160 --> 00:32:04,960
Speaker 3: in an area where it's over fifty percent people of color.

689
00:32:06,240 --> 00:32:07,680
Speaker 2: Check that box anywork? Pretty sure?

690
00:32:07,760 --> 00:32:12,200
Speaker 3: Yeah, basically, I'm exactly because I know so imagine all

691
00:32:12,240 --> 00:32:14,240
Speaker 3: of this, and even though like our down payment because

692
00:32:14,240 --> 00:32:16,640
Speaker 3: we're doing a three point five percent down payment because

693
00:32:16,640 --> 00:32:18,920
Speaker 3: it's an fah loan, it's like a little over eight

694
00:32:18,920 --> 00:32:21,560
Speaker 3: thousand dollars, but honestly, technically nothing out of pocket because

695
00:32:21,600 --> 00:32:23,400
Speaker 3: as far as the down payment, I don't know how

696
00:32:23,440 --> 00:32:25,080
Speaker 3: much closing costs will be. I'll let you guys know

697
00:32:25,080 --> 00:32:27,120
Speaker 3: how much they end up being, but we might only

698
00:32:27,200 --> 00:32:28,920
Speaker 3: end up coming out of pocket for all of this,

699
00:32:29,120 --> 00:32:31,720
Speaker 3: like maybe a couple of thousand dollars to have a

700
00:32:31,760 --> 00:32:34,440
Speaker 3: house and not having to pay a mortgage. Isn't that crazy?

701
00:32:35,320 --> 00:32:37,640
Speaker 2: That is especially since like this has been like a

702
00:32:37,720 --> 00:32:41,440
Speaker 2: roller coaster for me, just as listeners, because like two

703
00:32:41,480 --> 00:32:44,240
Speaker 2: weeks ago, you're like, I'm not getting an incompaverity anymore.

704
00:32:44,240 --> 00:32:47,760
Speaker 1: It's hard, no, but it's been such a roller coaster.

705
00:32:47,840 --> 00:32:49,000
Speaker 1: That's so I'm glad that I'm.

706
00:32:48,880 --> 00:32:52,720
Speaker 2: Sharing I am cautiously optimistic. Yeahsing my fingers. I hope

707
00:32:52,720 --> 00:32:54,200
Speaker 2: it all works out. It sounds amazing.

708
00:32:54,640 --> 00:32:56,320
Speaker 1: Yeah, so I guess you know they're selling it.

709
00:32:56,520 --> 00:32:58,479
Speaker 3: Who knows how much money they put into it, but

710
00:32:58,520 --> 00:33:01,240
Speaker 3: obviously they're probably gonna make honestly, probably one hundred thousand

711
00:33:01,240 --> 00:33:02,080
Speaker 3: dollars on this house.

712
00:33:02,560 --> 00:33:06,440
Speaker 2: Okay, Okay, interesting, Okay, I have a thousand more questions,

713
00:33:06,480 --> 00:33:11,240
Speaker 2: but yeah, so right up next, because I just well, well,

714
00:33:11,440 --> 00:33:13,760
Speaker 2: I'll ask the big question is what kind of rate

715
00:33:13,800 --> 00:33:16,440
Speaker 2: did he qualify for if you don't mind sharing? And

716
00:33:16,880 --> 00:33:18,400
Speaker 2: have you locked in the rate and how that kind

717
00:33:18,400 --> 00:33:20,000
Speaker 2: of all works because people always want to know when

718
00:33:20,120 --> 00:33:20,840
Speaker 2: you lost in the rate.

719
00:33:21,200 --> 00:33:23,480
Speaker 3: So the rate doesn't get locked in until the offer

720
00:33:23,640 --> 00:33:26,840
Speaker 3: is fully accepted, meaning like you, so once you leave

721
00:33:26,920 --> 00:33:30,600
Speaker 3: attorney review, So when you make an offer, they can

722
00:33:30,720 --> 00:33:33,720
Speaker 3: accept it, but it doesn't mean they can't accept other offers.

723
00:33:33,800 --> 00:33:34,760
Speaker 1: So what happens is.

724
00:33:34,720 --> 00:33:37,680
Speaker 3: You make an offer, they say, Okay, this seems cool.

725
00:33:38,040 --> 00:33:40,920
Speaker 3: Then their attorney and your attorney basically go back and forth,

726
00:33:40,960 --> 00:33:43,320
Speaker 3: and my attorney might say, well, we want to put

727
00:33:43,360 --> 00:33:44,920
Speaker 3: a clause in there that says that there's lead pain,

728
00:33:45,040 --> 00:33:46,760
Speaker 3: y'all got to pay for this and we want to

729
00:33:46,760 --> 00:33:48,680
Speaker 3: put a clause in there it says it has to

730
00:33:48,760 --> 00:33:50,959
Speaker 3: be a legal three family, because what if it's not,

731
00:33:51,040 --> 00:33:53,080
Speaker 3: and then I can't run out the top space legally,

732
00:33:53,160 --> 00:33:55,640
Speaker 3: So my attorney will want all these clauses, or like

733
00:33:55,680 --> 00:33:58,959
Speaker 3: if the if the inspection comes back and there's you know,

734
00:33:59,120 --> 00:34:01,800
Speaker 3: like there I don't know, you know, an oil.

735
00:34:01,560 --> 00:34:03,200
Speaker 1: Tank in the ground that needs to be removed.

736
00:34:03,280 --> 00:34:05,480
Speaker 3: So she's gonna put all these clauses and their attorney

737
00:34:05,520 --> 00:34:07,200
Speaker 3: is going to go They're gonna go back and forth.

738
00:34:07,360 --> 00:34:11,320
Speaker 3: We're basically that's attorneys reviewing the contract back and forth

739
00:34:11,520 --> 00:34:14,040
Speaker 3: once they come to an agreement and both sides say, yes,

740
00:34:14,400 --> 00:34:17,120
Speaker 3: we like what this legal agreement is saying about the

741
00:34:17,160 --> 00:34:20,200
Speaker 3: contingencies about buying this house. Once you leave attorney review,

742
00:34:20,680 --> 00:34:23,319
Speaker 3: you are officially in contract and you can lock in

743
00:34:23,320 --> 00:34:25,239
Speaker 3: that rate. So our rate is about four percent right now.

744
00:34:25,239 --> 00:34:27,879
Speaker 3: This is what the this is what the standard rate

745
00:34:28,000 --> 00:34:30,040
Speaker 3: is like. This is the lowest rate right now anyway

746
00:34:30,080 --> 00:34:32,480
Speaker 3: that you can get if you have excellent credit and

747
00:34:32,560 --> 00:34:35,560
Speaker 3: excellent it is seven forty or above. So it's about

748
00:34:35,600 --> 00:34:37,480
Speaker 3: four percent. But the rates are only going up, so

749
00:34:37,600 --> 00:34:40,120
Speaker 3: literally it's four percent today. We might lock it it

750
00:34:40,160 --> 00:34:43,480
Speaker 3: might be four point two so right now, but we're yeah,

751
00:34:43,480 --> 00:34:45,920
Speaker 3: we're not locked into a rate right now. Until you

752
00:34:46,000 --> 00:34:47,799
Speaker 3: have an official contract and you're locked in I think

753
00:34:47,840 --> 00:34:50,760
Speaker 3: for about like thirty days or I'll find that exactly

754
00:34:50,800 --> 00:34:52,759
Speaker 3: how long you lock in your rate. But yeah, right now,

755
00:34:52,760 --> 00:34:54,799
Speaker 3: our rate is not locked in. So it's like yay,

756
00:34:55,000 --> 00:34:56,880
Speaker 3: It's like pins and needles because you're like, well, what

757
00:34:56,960 --> 00:34:59,279
Speaker 3: if Because in this moment, right now, until we leave

758
00:34:59,320 --> 00:35:02,520
Speaker 3: attorney review, anybody can make a offer, gotcha, And so

759
00:35:02,560 --> 00:35:04,560
Speaker 3: we're just like somebody can come and say we want

760
00:35:04,560 --> 00:35:06,640
Speaker 3: to pay two fifty that's why we put the adendem

761
00:35:06,680 --> 00:35:08,920
Speaker 3: in today. Well up till two seventy we're willing to

762
00:35:08,960 --> 00:35:11,640
Speaker 3: pay two fifty one to fifty two. It's like you know,

763
00:35:12,160 --> 00:35:14,080
Speaker 3: and so, I mean, I have a good feeling about

764
00:35:14,120 --> 00:35:15,960
Speaker 3: it because now that we're adding this addendum.

765
00:35:15,640 --> 00:35:19,160
Speaker 2: It sounds like perfect. It sounds like if it doesn't

766
00:35:19,160 --> 00:35:20,719
Speaker 2: work out, then there probably isn't a God.

767
00:35:20,840 --> 00:35:24,000
Speaker 1: I feel, yeah, God, God, Mandy said that I did it.

768
00:35:26,280 --> 00:35:30,719
Speaker 2: I'm feeling really really heathen is today. So I want

769
00:35:30,760 --> 00:35:32,239
Speaker 2: to say one thing real quick. I want to back

770
00:35:32,280 --> 00:35:34,319
Speaker 2: up because I love one thing that you did, which

771
00:35:34,320 --> 00:35:36,480
Speaker 2: is exactly what we did. We were shopping for an apartment.

772
00:35:36,520 --> 00:35:39,839
Speaker 2: Even is you kind of work the opposite of most

773
00:35:39,840 --> 00:35:41,560
Speaker 2: people when they buy a house or look for an

774
00:35:41,560 --> 00:35:43,600
Speaker 2: apartment or whatever. It's like, oh, what's the most I

775
00:35:43,640 --> 00:35:46,440
Speaker 2: can get for, Like, how what's the biggest loan? And

776
00:35:46,440 --> 00:35:49,279
Speaker 2: then I'll shop backwards from there. But you you were like,

777
00:35:49,360 --> 00:35:52,040
Speaker 2: here's what I can afford. How much of a mortgage

778
00:35:52,120 --> 00:35:54,080
Speaker 2: can I get to where I can still afford my

779
00:35:54,120 --> 00:35:56,040
Speaker 2: monthly payments? And I think a lot of people don't

780
00:35:56,080 --> 00:35:59,640
Speaker 2: do that, and it's especially important now because you know,

781
00:35:59,680 --> 00:36:01,720
Speaker 2: to kind of bring it back to Lord Voldemort's salary.

782
00:36:02,480 --> 00:36:04,279
Speaker 2: But everyone sort of I mean, you may not know

783
00:36:04,320 --> 00:36:06,400
Speaker 2: what Dodd Frank is, but people are talking about how

784
00:36:06,440 --> 00:36:10,160
Speaker 2: Trump wants to roll back Dodd Frank legislation, and just

785
00:36:10,200 --> 00:36:12,400
Speaker 2: to do like a quick explainer on what that is.

786
00:36:12,440 --> 00:36:15,680
Speaker 2: So Dodd Frank regulations went into effect after the recession,

787
00:36:15,719 --> 00:36:19,200
Speaker 2: after the subprime mortgage lending crisis, and you know, millions

788
00:36:19,239 --> 00:36:23,040
Speaker 2: of homeowners lost their houses and were underwater on their houses.

789
00:36:23,040 --> 00:36:25,120
Speaker 2: It was a big mess because banks at the time

790
00:36:25,480 --> 00:36:29,240
Speaker 2: were lending all willy nilly to people, giving people huge

791
00:36:29,239 --> 00:36:32,680
Speaker 2: mortgages they could never afford and lying about the people's

792
00:36:32,760 --> 00:36:35,680
Speaker 2: income or leaving their income blank on their mortgage applications,

793
00:36:35,719 --> 00:36:38,479
Speaker 2: and it was the bank's fault, but it was also

794
00:36:38,520 --> 00:36:41,080
Speaker 2: like five percent the person's fault for like, you know,

795
00:36:41,160 --> 00:36:44,880
Speaker 2: believing that they could afford this crazy house. And so

796
00:36:44,880 --> 00:36:46,880
Speaker 2: I think it's really important now as Trump plans to

797
00:36:46,960 --> 00:36:49,440
Speaker 2: roll back these legislations on banks that made it a

798
00:36:49,480 --> 00:36:52,719
Speaker 2: lot tougher. Basically what Dodd Frank did it created the

799
00:36:52,760 --> 00:36:55,720
Speaker 2: Consumer Financial Protection Bureau, which is an agency that's cracked

800
00:36:55,760 --> 00:37:01,160
Speaker 2: down on tons of financial businesses, from mortgage lenders to

801
00:37:01,480 --> 00:37:05,960
Speaker 2: payday loans to prepaid debit cards. They created the CFPB,

802
00:37:06,480 --> 00:37:08,239
Speaker 2: and it also made it a lot harder for like

803
00:37:08,280 --> 00:37:11,520
Speaker 2: banks to make easy, easy mortgage loans to people. Okay,

804
00:37:12,760 --> 00:37:14,919
Speaker 2: So I feel like it's really important for people now,

805
00:37:14,960 --> 00:37:17,239
Speaker 2: like if if they do roll back these regulations, all

806
00:37:17,280 --> 00:37:19,120
Speaker 2: like the sort of the kiddie wheels are coming off

807
00:37:19,160 --> 00:37:21,160
Speaker 2: again and it's going to be a lot easier, I think,

808
00:37:21,200 --> 00:37:24,760
Speaker 2: for people to get sold huge mortgages they can afford.

809
00:37:24,880 --> 00:37:27,880
Speaker 2: So it's it's even more important to like go in

810
00:37:27,920 --> 00:37:31,640
Speaker 2: there and know know your numbers, and like don't listen

811
00:37:31,640 --> 00:37:34,080
Speaker 2: to what the bank person says, because it's the interest

812
00:37:34,440 --> 00:37:37,040
Speaker 2: to sell you the most faddest loan possible for the

813
00:37:37,080 --> 00:37:39,839
Speaker 2: longest term, you know, with the highest highest interest rate.

814
00:37:40,920 --> 00:37:42,799
Speaker 2: So I just want to say that real quick, and

815
00:37:42,920 --> 00:37:46,279
Speaker 2: shopping for a good rate and and knowing what you

816
00:37:46,320 --> 00:37:48,480
Speaker 2: can afford, all that's really important because you don't you

817
00:37:48,520 --> 00:37:51,000
Speaker 2: can't trust that the bank officer is going to be,

818
00:37:52,120 --> 00:37:54,520
Speaker 2: you know, looking out for your best interests, because how

819
00:37:54,560 --> 00:37:55,120
Speaker 2: often are they?

820
00:37:55,120 --> 00:37:57,720
Speaker 3: Honestly, So take a first time home boyers class. Honestly,

821
00:37:57,760 --> 00:37:59,640
Speaker 3: that to me, that was when I bought my first day.

822
00:37:59,640 --> 00:38:00,600
Speaker 1: It was really helpful.

823
00:38:00,880 --> 00:38:02,680
Speaker 3: Like even though I took one before and I bought

824
00:38:02,680 --> 00:38:05,280
Speaker 3: a property before, there was so much new stuff. Mandy, Honestly,

825
00:38:05,320 --> 00:38:08,560
Speaker 3: I'm like, I don't remember this, you know. So taking

826
00:38:08,600 --> 00:38:10,840
Speaker 3: a first time home buyers class would be also really

827
00:38:10,880 --> 00:38:13,440
Speaker 3: helpful because there's so many nuances that you're like, so

828
00:38:13,480 --> 00:38:17,120
Speaker 3: what happens next? And having a team if I knowing

829
00:38:17,160 --> 00:38:20,160
Speaker 3: what I know now. One, take a for first time

830
00:38:20,200 --> 00:38:22,200
Speaker 3: home buyers class. Make sure you have your budget tight.

831
00:38:22,360 --> 00:38:24,640
Speaker 3: You've already been working on your credit and your savings plan.

832
00:38:24,920 --> 00:38:26,280
Speaker 3: This is all before even searching.

833
00:38:26,719 --> 00:38:29,759
Speaker 1: And then two having your team in place, like a

834
00:38:29,800 --> 00:38:32,880
Speaker 1: really great realtor that comes highly recommended. I had a

835
00:38:32,880 --> 00:38:35,120
Speaker 1: real tlor. At first, she wasn't that great. She was nice,

836
00:38:35,160 --> 00:38:35,919
Speaker 1: but wasn't that great.

837
00:38:36,760 --> 00:38:38,799
Speaker 3: And then so I got I got recommendations from her,

838
00:38:38,920 --> 00:38:42,279
Speaker 3: from people knew had just purchased a house, even my lawyer.

839
00:38:42,400 --> 00:38:43,719
Speaker 1: Last night, I was gonna.

840
00:38:43,480 --> 00:38:44,799
Speaker 3: Go with the lawyer that I used for my first

841
00:38:44,840 --> 00:38:48,000
Speaker 3: house ten years ago, and I left him a message.

842
00:38:48,920 --> 00:38:51,080
Speaker 1: I called, but you know it's Sunday. It's Saturday.

843
00:38:51,440 --> 00:38:53,680
Speaker 3: So I called my friend who was an actual lawyer,

844
00:38:53,680 --> 00:38:56,680
Speaker 3: and I said, hey, Mikaela, you just bought a house.

845
00:38:56,719 --> 00:38:58,239
Speaker 3: I know you're not a real estate lawyer, but who

846
00:38:58,280 --> 00:39:00,399
Speaker 3: did you use? Because who better than tell you who's

847
00:39:00,400 --> 00:39:02,640
Speaker 3: a good lawyer than a lawyer? And she told me, oh,

848
00:39:02,760 --> 00:39:04,400
Speaker 3: I use a friend of mine Sharing, she's a real

849
00:39:04,480 --> 00:39:07,320
Speaker 3: estate lawyer. I called Sharon. Ten minutes after that, Sharon

850
00:39:07,360 --> 00:39:08,879
Speaker 3: picked up. I've been on the phone with Shared four

851
00:39:08,920 --> 00:39:13,120
Speaker 3: times over this weekend. And you want a great team.

852
00:39:13,200 --> 00:39:15,480
Speaker 3: So you want your real estate agent, you want a

853
00:39:15,520 --> 00:39:18,480
Speaker 3: great lawyer. You're gonna want a really great inspection person.

854
00:39:18,520 --> 00:39:20,920
Speaker 3: So these are people that have to be on your team.

855
00:39:21,239 --> 00:39:23,240
Speaker 3: And what you don't want is they all are working

856
00:39:23,280 --> 00:39:26,120
Speaker 3: with each other, like meaning like I don't want my

857
00:39:26,160 --> 00:39:28,080
Speaker 3: real estate agent to tell me what lawyer. No, I

858
00:39:28,120 --> 00:39:29,880
Speaker 3: want to find my own. They should all be working

859
00:39:29,920 --> 00:39:32,960
Speaker 3: for you, not for each other. So you're you're a

860
00:39:33,000 --> 00:39:36,200
Speaker 3: real estate lawyer, should not be the person that you're

861
00:39:36,640 --> 00:39:40,480
Speaker 3: your inspector suggested to you. They should be separate entities,

862
00:39:40,480 --> 00:39:42,680
Speaker 3: so you know, so that way you know that, not

863
00:39:42,719 --> 00:39:44,240
Speaker 3: to say that the people are going to be in cahoots,

864
00:39:44,239 --> 00:39:47,799
Speaker 3: but just to kind of protect yourself against that. But yeah,

865
00:39:47,840 --> 00:39:50,319
Speaker 3: some of the team members are that A mortgage person

866
00:39:50,360 --> 00:39:52,960
Speaker 3: that's very responsive. You know my mortgage person, I mean

867
00:39:52,960 --> 00:39:54,880
Speaker 3: he's off and then Monday he has off. But I've

868
00:39:54,880 --> 00:39:57,239
Speaker 3: been texting David all night and he's been on it,

869
00:39:57,440 --> 00:39:59,759
Speaker 3: sending me my pre qualification letter when I needed it.

870
00:40:00,120 --> 00:40:02,040
Speaker 3: So that's you know, that's going to be critical. Or

871
00:40:02,160 --> 00:40:05,359
Speaker 3: do these people move for you? Because if not, if

872
00:40:05,400 --> 00:40:08,600
Speaker 3: David waited till Tuesday, the house might be gone then

873
00:40:08,680 --> 00:40:11,080
Speaker 3: what And so yeah, so that I mean I think

874
00:40:11,120 --> 00:40:12,560
Speaker 3: that if you guys have any house, I feel like

875
00:40:12,600 --> 00:40:14,640
Speaker 3: we did we did Today's tips through this, but if

876
00:40:14,640 --> 00:40:16,319
Speaker 3: you guys have any questions, you know, and I can't

877
00:40:16,360 --> 00:40:18,399
Speaker 3: wait to kind of share I feel like I really

878
00:40:18,520 --> 00:40:20,080
Speaker 3: we need to do like a really good like blog

879
00:40:20,120 --> 00:40:23,680
Speaker 3: post about this, right Mandy, Like about like the steps.

880
00:40:23,960 --> 00:40:25,759
Speaker 3: I don't know if it's different in other states, but

881
00:40:26,680 --> 00:40:28,640
Speaker 3: about really buying a home, especially if you want to

882
00:40:28,640 --> 00:40:30,600
Speaker 3: buy a home slash investment property.

883
00:40:30,920 --> 00:40:32,880
Speaker 2: I don't. Yeah, I think it's really important because I

884
00:40:32,920 --> 00:40:35,080
Speaker 2: don't think a lot of people realize that the mortgage

885
00:40:35,160 --> 00:40:38,080
Speaker 2: the home buying process starts before you even go home shopping,

886
00:40:38,080 --> 00:40:39,840
Speaker 2: Like it starts for months and months and months in advance.

887
00:40:39,880 --> 00:40:42,520
Speaker 2: It starts, like what you said with Superman. It starts

888
00:40:42,560 --> 00:40:45,280
Speaker 2: with the work of preparing yourself and building your credit

889
00:40:45,320 --> 00:40:47,560
Speaker 2: and making sure that you're not doing a lot of that,

890
00:40:47,719 --> 00:40:49,200
Speaker 2: like a lot of the things that are like red

891
00:40:49,200 --> 00:40:52,000
Speaker 2: flags when you're being like picked apart by a lending

892
00:40:52,480 --> 00:40:56,239
Speaker 2: like a mortgage financing company, a bank whatever. You know, Hey,

893
00:40:56,360 --> 00:40:58,759
Speaker 2: you went really ham at the store over Christmas and

894
00:40:58,760 --> 00:41:00,520
Speaker 2: you know, well, it's credit card debt, you know, and

895
00:41:00,600 --> 00:41:02,319
Speaker 2: I approve you. Or hey, you lost your job or

896
00:41:02,320 --> 00:41:04,400
Speaker 2: you just started a new job in the last three months,

897
00:41:04,640 --> 00:41:07,399
Speaker 2: you know, you look like risky. Like people don't know

898
00:41:07,560 --> 00:41:09,440
Speaker 2: all the different things that they can do to kind

899
00:41:09,480 --> 00:41:11,600
Speaker 2: of like cause bumps in the road, so it's like

900
00:41:11,640 --> 00:41:14,920
Speaker 2: you have to prepare early. And yeah, if if you

901
00:41:14,960 --> 00:41:18,839
Speaker 2: guys have homeowners questions buying a house, whatever, you can

902
00:41:18,880 --> 00:41:22,000
Speaker 2: send those two go to Brown Ambition Podcast dot com

903
00:41:22,040 --> 00:41:24,719
Speaker 2: ask us anything to leave us a question there or

904
00:41:24,760 --> 00:41:27,520
Speaker 2: email us at Brown Ambition Podcast at gmail dot com.

905
00:41:27,800 --> 00:41:29,600
Speaker 2: And yeah, maybe we can put something together for people

906
00:41:29,960 --> 00:41:30,719
Speaker 2: just based.

907
00:41:30,440 --> 00:41:32,680
Speaker 3: On I think we do, like maybe like a checklist

908
00:41:32,719 --> 00:41:34,719
Speaker 3: of like the steps of home buying or something like that.

909
00:41:34,719 --> 00:41:37,480
Speaker 2: I think that would be great if people are just interested.

910
00:41:37,520 --> 00:41:40,279
Speaker 2: I mean, how many people watch HGTV like they don't know,

911
00:41:40,920 --> 00:41:43,680
Speaker 2: but I feel like I'm an expert. I'm like, how

912
00:41:43,760 --> 00:41:46,120
Speaker 2: much do you have left for your renovations and repairs

913
00:41:46,120 --> 00:41:50,120
Speaker 2: on the but you know, and maybe it's just like

914
00:41:50,160 --> 00:41:52,880
Speaker 2: a list of free home first time home buyers classes

915
00:41:52,880 --> 00:41:55,319
Speaker 2: resources I took. I took a seminary and I took

916
00:41:55,360 --> 00:41:59,200
Speaker 2: the the Tanya rape leays or it. It was good.

917
00:41:59,239 --> 00:42:01,880
Speaker 2: I think I talked about we went sometime earlier this

918
00:42:02,000 --> 00:42:05,480
Speaker 2: year or sorry last year now, and I you know,

919
00:42:05,480 --> 00:42:07,040
Speaker 2: we were nowhere close to buying a house, but it

920
00:42:07,080 --> 00:42:10,400
Speaker 2: was still really educational. And there's a free pdf like

921
00:42:10,440 --> 00:42:13,840
Speaker 2: an ebook that the loan officer who works from the

922
00:42:13,960 --> 00:42:17,839
Speaker 2: largest lending companies in the US call Guaranteed Rate. He

923
00:42:17,920 --> 00:42:20,200
Speaker 2: actually just wrote and like a free ebook. I might

924
00:42:20,280 --> 00:42:23,480
Speaker 2: just post that online. It's an excellent like primer on

925
00:42:23,719 --> 00:42:27,319
Speaker 2: just the mortgage process and this like exactly like I said,

926
00:42:27,360 --> 00:42:29,760
Speaker 2: the things you can do to delay the mortgage process,

927
00:42:29,760 --> 00:42:31,320
Speaker 2: the things you should do to make sure it's a

928
00:42:31,360 --> 00:42:35,040
Speaker 2: smooth process. Like I read that, you know, in like

929
00:42:35,080 --> 00:42:36,839
Speaker 2: I gobbled it up because it was really interesting. It's

930
00:42:36,840 --> 00:42:41,240
Speaker 2: like all these insider experiences from the right, from the source,

931
00:42:41,480 --> 00:42:43,759
Speaker 2: like a mortgage loan officer who's right there in like

932
00:42:43,800 --> 00:42:46,960
Speaker 2: the trenches with everyone all the time. So maybe I'll

933
00:42:46,960 --> 00:42:49,120
Speaker 2: post that and then if you guys have any questions,

934
00:42:49,120 --> 00:42:51,880
Speaker 2: send him in and who knows, maybe I'll get that

935
00:42:51,920 --> 00:42:54,960
Speaker 2: guy to come on sometime. That'll be awesome some tips,

936
00:42:55,239 --> 00:42:57,239
Speaker 2: but then just learning from your experience too. It's really

937
00:42:57,239 --> 00:43:11,920
Speaker 2: interesting because you're right in it, in it it's okay,

938
00:43:12,040 --> 00:43:14,280
Speaker 2: all right, good vibes, everyone said, tifany good vibes.

939
00:43:14,520 --> 00:43:18,920
Speaker 1: Yes, So now it is time for brown break, brown boost.

940
00:43:19,200 --> 00:43:22,280
Speaker 1: What you're gonna do. What you're gonna do brown break

941
00:43:22,440 --> 00:43:23,040
Speaker 1: or boost?

942
00:43:24,200 --> 00:43:24,560
Speaker 2: Nice?

943
00:43:24,600 --> 00:43:26,520
Speaker 1: I like it, I know, I was like, oh, I

944
00:43:26,560 --> 00:43:27,200
Speaker 1: was like in my mind.

945
00:43:27,200 --> 00:43:28,560
Speaker 3: I was like, oh, what am I gonna say? I

946
00:43:28,560 --> 00:43:31,960
Speaker 3: don't know, and it came out just but goodie.

947
00:43:32,080 --> 00:43:34,040
Speaker 1: Yeah, you know, it came out good. So are you

948
00:43:34,040 --> 00:43:35,800
Speaker 1: gonna are you gonna break? Are you gonna boost?

949
00:43:36,040 --> 00:43:38,520
Speaker 2: I want to take a boost today? Well, I want

950
00:43:38,520 --> 00:43:41,160
Speaker 2: to answer if someone had asked me on one of

951
00:43:41,160 --> 00:43:43,200
Speaker 2: the social media channels, what was the name of the

952
00:43:43,239 --> 00:43:45,040
Speaker 2: money app that I gave a boost to a while ago?

953
00:43:45,080 --> 00:43:48,000
Speaker 2: And it was called Level Money L L e V

954
00:43:48,160 --> 00:43:51,239
Speaker 2: as in Victory E L Money. And that's the app

955
00:43:51,239 --> 00:43:52,759
Speaker 2: that I use day to day. And it's it's cool

956
00:43:52,760 --> 00:43:54,640
Speaker 2: because you don't really think about it. It just tells

957
00:43:54,680 --> 00:43:57,640
Speaker 2: you every day you have seventy five dollars left to

958
00:43:57,640 --> 00:43:59,600
Speaker 2: spend today if you want to stay on budget, you know,

959
00:43:59,760 --> 00:44:01,879
Speaker 2: and if you spend eighty, then it takes five from

960
00:44:01,880 --> 00:44:05,600
Speaker 2: tomorrow's budget and on and on. So Level Money and

961
00:44:05,640 --> 00:44:08,600
Speaker 2: Today's Boost I wanted to. I start thinking of sort

962
00:44:08,680 --> 00:44:11,160
Speaker 2: of what my favorite bank products are, and I just thought, men,

963
00:44:11,239 --> 00:44:13,520
Speaker 2: I haven't even like really given a shout out to

964
00:44:13,920 --> 00:44:16,279
Speaker 2: the fact that I love my savings account bank, my

965
00:44:16,320 --> 00:44:19,560
Speaker 2: Ally savings account. Yes, I know we both use Ally.

966
00:44:20,200 --> 00:44:21,920
Speaker 2: You're a fan of Alley but we haven't given them

967
00:44:21,920 --> 00:44:22,600
Speaker 2: a shout out.

968
00:44:23,160 --> 00:44:25,680
Speaker 1: There Bay and they are Bay all.

969
00:44:25,920 --> 00:44:27,200
Speaker 2: And then also I'll give a shout out to my

970
00:44:27,200 --> 00:44:31,520
Speaker 2: former Bay. Capital one three sixty ally just narrowly beats

971
00:44:31,520 --> 00:44:34,800
Speaker 2: Capital one three sixty. They're both great. But our online

972
00:44:34,840 --> 00:44:37,480
Speaker 2: banks are just huge. I mean, I don't know why

973
00:44:37,480 --> 00:44:40,000
Speaker 2: more people don't know about them. It can be I

974
00:44:40,040 --> 00:44:42,960
Speaker 2: guess a little nerve wracking or not nerve wracking, but

975
00:44:43,040 --> 00:44:44,880
Speaker 2: just it's just different to think, Okay, I don't have

976
00:44:44,920 --> 00:44:48,120
Speaker 2: a bank branch to walk into, there's no person behind

977
00:44:48,120 --> 00:44:50,000
Speaker 2: the count or my dad would never like do it.

978
00:44:50,000 --> 00:44:51,600
Speaker 2: All he called me was watterday. He was waiting in

979
00:44:51,640 --> 00:44:53,200
Speaker 2: line at the bank and I'm like, to do what

980
00:44:53,640 --> 00:44:56,560
Speaker 2: posits some money? There's an ATM right outside. He's like,

981
00:44:56,560 --> 00:44:58,040
Speaker 2: I don't know, my friend brand is working today. I

982
00:44:58,080 --> 00:45:00,360
Speaker 2: want to say, yeah they do that? What are the

983
00:45:01,120 --> 00:45:03,840
Speaker 2: DA does love Brenda? I'm like, yeah, I still no

984
00:45:03,960 --> 00:45:06,319
Speaker 2: Brenda and say hi, but you know, you know, getting

985
00:45:06,320 --> 00:45:09,800
Speaker 2: any interest? I digress so online banks. So the biggest

986
00:45:09,840 --> 00:45:12,680
Speaker 2: reasons why I love online banks. Online banks means no

987
00:45:12,840 --> 00:45:16,279
Speaker 2: bank branches, no bank people, lower overhead costs, and that

988
00:45:16,360 --> 00:45:20,239
Speaker 2: means less fees tacked on to their products because a

989
00:45:20,239 --> 00:45:22,680
Speaker 2: lot of the reason that bank, like big bank fees,

990
00:45:22,719 --> 00:45:25,640
Speaker 2: Bank of America, all the big banks are so freaking high.

991
00:45:25,680 --> 00:45:28,400
Speaker 2: Like they charge you for a minimum balance, they charge

992
00:45:28,440 --> 00:45:30,880
Speaker 2: you for maintenance, they charge you for I mean, I

993
00:45:30,880 --> 00:45:33,719
Speaker 2: had to pay for a cashier's check, like to get

994
00:45:33,719 --> 00:45:35,440
Speaker 2: my own money, you know what I mean? The other

995
00:45:35,520 --> 00:45:38,040
Speaker 2: day eight dollars at Chase is nuts. The reason they

996
00:45:38,080 --> 00:45:40,880
Speaker 2: do that is because your overhead costs are so freaking high.

997
00:45:40,920 --> 00:45:43,480
Speaker 2: So I love online banks. They have very low fees.

998
00:45:43,520 --> 00:45:46,960
Speaker 2: They often reimburse you for ATM fees, and if they

999
00:45:46,960 --> 00:45:49,640
Speaker 2: don't reimburse you, they have they have a you know,

1000
00:45:49,719 --> 00:45:52,840
Speaker 2: free fees up to a certain dollar amount. No monthly

1001
00:45:52,880 --> 00:45:57,440
Speaker 2: maintenance fees to worry about. Uh. And on top of that,

1002
00:45:57,480 --> 00:46:00,720
Speaker 2: they actually earn you something on your money. So ally

1003
00:46:00,920 --> 00:46:04,799
Speaker 2: is one percent on their savings accounts, and I don't

1004
00:46:04,880 --> 00:46:07,000
Speaker 2: forget what the checking account interest rate is. I actually

1005
00:46:07,000 --> 00:46:09,640
Speaker 2: don't have a checking account with them. And Capital one

1006
00:46:09,680 --> 00:46:13,399
Speaker 2: through sixties point seventy five percent and like that may

1007
00:46:13,440 --> 00:46:16,400
Speaker 2: not sound like a lot, but my Bank of America,

1008
00:46:16,520 --> 00:46:19,200
Speaker 2: my old, good old Bank of America savings and checking

1009
00:46:19,239 --> 00:46:23,960
Speaker 2: account was like point zero one point zero one percent

1010
00:46:24,440 --> 00:46:28,560
Speaker 2: interest which was like maybe two pennies like a year

1011
00:46:28,800 --> 00:46:32,040
Speaker 2: from them, which is Pray Cray Gray. So that's my

1012
00:46:32,080 --> 00:46:34,640
Speaker 2: shout out. Ally, Bank Capital one through sixties are good

1013
00:46:34,640 --> 00:46:39,000
Speaker 2: ones and just you know, Magnify Money on give another

1014
00:46:39,000 --> 00:46:40,760
Speaker 2: shout out to them. If you want to just shop

1015
00:46:40,760 --> 00:46:43,600
Speaker 2: around for a better savings of checking account. It's not

1016
00:46:43,719 --> 00:46:47,440
Speaker 2: that hard. People don't people like people wait forever to

1017
00:46:47,520 --> 00:46:50,200
Speaker 2: change their banks. It's crazy, like they it's it seems

1018
00:46:50,200 --> 00:46:51,960
Speaker 2: like a lot of work, but it's it's really not

1019
00:46:52,040 --> 00:46:54,000
Speaker 2: that hard to transfer banks and to get out of

1020
00:46:54,000 --> 00:46:55,600
Speaker 2: a bad bank and get to a bank that actually

1021
00:46:55,600 --> 00:46:58,160
Speaker 2: earns you some money and treats you better and doesn't

1022
00:46:58,239 --> 00:47:00,839
Speaker 2: charge you so many fees. A good place to start

1023
00:47:00,840 --> 00:47:04,759
Speaker 2: I love Magnified Money is Savings Account Comparison Page because

1024
00:47:04,760 --> 00:47:07,160
Speaker 2: we just lay everything out every single bank. We look

1025
00:47:07,160 --> 00:47:09,920
Speaker 2: at them and we rank them based on their interest

1026
00:47:10,040 --> 00:47:12,839
Speaker 2: rates and their fees and also how transparent they are

1027
00:47:12,840 --> 00:47:15,520
Speaker 2: about their fees, which kind of like sets our page

1028
00:47:15,560 --> 00:47:17,200
Speaker 2: a part of the thing from other ones out there.

1029
00:47:17,719 --> 00:47:19,600
Speaker 2: So if you if you want to shop around, you're interested,

1030
00:47:19,640 --> 00:47:22,640
Speaker 2: you're curious, you can you can definitely start there. But

1031
00:47:22,880 --> 00:47:24,640
Speaker 2: I don't know if you're not banking online. I don't

1032
00:47:24,680 --> 00:47:26,640
Speaker 2: know what you're doing with your life.

1033
00:47:28,880 --> 00:47:31,680
Speaker 3: I want to give a shout out too, I'm gonna

1034
00:47:31,680 --> 00:47:37,040
Speaker 3: see I don't know, just like team like, the last

1035
00:47:37,040 --> 00:47:39,680
Speaker 3: few weeks have just really showed me how important it

1036
00:47:39,719 --> 00:47:43,399
Speaker 3: is to happen like an awesome dope team around you,

1037
00:47:43,400 --> 00:47:45,560
Speaker 3: you know, because sometimes there's just so many things floating,

1038
00:47:45,640 --> 00:47:47,759
Speaker 3: so many things happening, it's hard to keep up with things.

1039
00:47:47,800 --> 00:47:51,399
Speaker 3: But I have an awesome, awesome, awesome team, and I'm

1040
00:47:51,560 --> 00:47:54,440
Speaker 3: recognizing that it's not just like the team for the Budgetista.

1041
00:47:54,520 --> 00:47:56,920
Speaker 3: It's like my life team Superman is part of the

1042
00:47:56,920 --> 00:48:00,239
Speaker 3: team Supergirl, my sisters, just having like such a great

1043
00:48:00,239 --> 00:48:03,240
Speaker 3: support system. And so that's my brown Boost. I'm feeling

1044
00:48:03,280 --> 00:48:05,879
Speaker 3: in a great mood. I'm not trying to put any

1045
00:48:06,360 --> 00:48:07,759
Speaker 3: wie down and rides out there because I want this

1046
00:48:07,800 --> 00:48:08,480
Speaker 3: Dagon house.

1047
00:48:08,719 --> 00:48:13,680
Speaker 1: I want to park in my backyard. I want my park.

1048
00:48:14,160 --> 00:48:16,120
Speaker 3: What I'm already like want to put a hammock right here.

1049
00:48:18,400 --> 00:48:20,440
Speaker 3: So yeah, so that's my That's why brown boost is

1050
00:48:20,520 --> 00:48:21,840
Speaker 3: just the teamwork.

1051
00:48:21,640 --> 00:48:26,279
Speaker 1: Makes the drig work. We will indeed, So now it's

1052
00:48:26,320 --> 00:48:27,760
Speaker 1: time for wind.

1053
00:48:28,440 --> 00:48:29,960
Speaker 2: I feel like you're moving us along. I know you're

1054
00:48:29,960 --> 00:48:31,280
Speaker 2: about to pack and go to California.

1055
00:48:32,600 --> 00:48:33,480
Speaker 1: Move this train along.

1056
00:48:35,719 --> 00:48:37,719
Speaker 3: Yes, I cannot wait to go. But I'm like, yes,

1057
00:48:37,760 --> 00:48:40,000
Speaker 3: I gotta get up at like four am. So I'm like, oh,

1058
00:48:40,080 --> 00:48:41,080
Speaker 3: I'm not looking forward to it.

1059
00:48:42,680 --> 00:48:46,200
Speaker 1: So yeah, so Wins, I can guess what you're I

1060
00:48:46,239 --> 00:48:50,040
Speaker 1: just thought. I So we've had her on as a

1061
00:48:50,080 --> 00:48:51,840
Speaker 1: win before, we actually had it on as a guest.

1062
00:48:52,160 --> 00:48:53,200
Speaker 1: Love the a j.

1063
00:48:54,640 --> 00:48:57,719
Speaker 3: My Win is so epic for her, so lovey. I'm like,

1064
00:48:57,719 --> 00:48:59,640
Speaker 3: we didn't talk about this last week, didn't. No, this

1065
00:48:59,680 --> 00:49:02,400
Speaker 3: is new, this is new and so awesome. It's like

1066
00:49:02,480 --> 00:49:05,279
Speaker 3: beyond awesome. I'm like, I can't even believe it's happening. So,

1067
00:49:05,560 --> 00:49:07,160
Speaker 3: for those of you who don't know Love, we had

1068
00:49:07,160 --> 00:49:09,840
Speaker 3: her on before. She's amazing. She's funny, she's smart. She

1069
00:49:10,000 --> 00:49:13,480
Speaker 3: is the personification of black girl magic. And what I

1070
00:49:13,520 --> 00:49:16,200
Speaker 3: love so much about Love is that it's not just

1071
00:49:16,239 --> 00:49:18,960
Speaker 3: that she's just really dope. She's actually so nice, Like

1072
00:49:19,200 --> 00:49:21,520
Speaker 3: she's always looking out for you, like she'll hit me

1073
00:49:21,600 --> 00:49:24,719
Speaker 3: up if she sees an opportunity, or like she's just

1074
00:49:24,760 --> 00:49:28,279
Speaker 3: a really dope nice person. And you know when even

1075
00:49:28,320 --> 00:49:30,239
Speaker 3: from first meeting her in person and her not knowing me.

1076
00:49:30,280 --> 00:49:32,200
Speaker 1: She wasn't one of those who are you again? Are

1077
00:49:32,239 --> 00:49:32,760
Speaker 1: you important?

1078
00:49:33,400 --> 00:49:35,680
Speaker 3: Not that kind of person at all. And so love

1079
00:49:36,400 --> 00:49:39,960
Speaker 3: has a New York Times bestseller, be clear, It's called

1080
00:49:40,000 --> 00:49:41,640
Speaker 3: I Am Judging You. She shared it with us on

1081
00:49:41,640 --> 00:49:45,560
Speaker 3: a podcast and as if it wasn't cool enough that

1082
00:49:45,640 --> 00:49:48,359
Speaker 3: her first book was a New York Times bestseller and

1083
00:49:48,520 --> 00:49:49,680
Speaker 3: you know, did really well.

1084
00:49:50,040 --> 00:49:51,959
Speaker 2: Accolades genuinely funny.

1085
00:49:52,040 --> 00:49:55,080
Speaker 3: Yes, accolades on top of accolades. I mean, every celebrity

1086
00:49:55,120 --> 00:49:57,520
Speaker 3: you could think of holding that I Am Judging You book.

1087
00:49:58,320 --> 00:50:03,680
Speaker 3: Shanda aka call me Miss Rhymes has brought the rights

1088
00:50:03,840 --> 00:50:06,359
Speaker 3: to Lovey's book Are You Kidding Me? And it's going

1089
00:50:06,400 --> 00:50:12,400
Speaker 3: to make a comedy series, like if It's unbelievable because

1090
00:50:12,480 --> 00:50:15,480
Speaker 3: one Lovey first was connected with Shanda because Lovey used

1091
00:50:15,480 --> 00:50:18,560
Speaker 3: to do at least a live tweet Shonda shows, and

1092
00:50:18,600 --> 00:50:20,400
Speaker 3: so that was like her so just to see that,

1093
00:50:20,440 --> 00:50:22,920
Speaker 3: and like at twenty twelve, love used to tweet like

1094
00:50:22,920 --> 00:50:23,800
Speaker 3: one day you gonna see me?

1095
00:50:23,920 --> 00:50:24,799
Speaker 1: She always wanted to.

1096
00:50:25,320 --> 00:50:27,360
Speaker 3: She just told me like personally and like and chatting

1097
00:50:27,360 --> 00:50:28,520
Speaker 3: like when I saw her person once.

1098
00:50:28,880 --> 00:50:31,040
Speaker 1: You know, I'd love to be a TV writer. I

1099
00:50:31,080 --> 00:50:32,919
Speaker 1: can see that. I love to write, I'm a writer.

1100
00:50:33,000 --> 00:50:33,920
Speaker 1: This is what I love to do.

1101
00:50:34,160 --> 00:50:36,359
Speaker 3: And she shared some tweets from like three or four

1102
00:50:36,440 --> 00:50:39,279
Speaker 3: years ago, even earlier than that, like twenty twelve where

1103
00:50:39,320 --> 00:50:41,200
Speaker 3: she says, you know, one day you're gonna see my

1104
00:50:41,280 --> 00:50:43,920
Speaker 3: name name in the credits. And to have Shonda the

1105
00:50:44,040 --> 00:50:49,000
Speaker 3: coin of TV. Let's be clear, Shonda Rhyme Hymes is

1106
00:50:49,040 --> 00:50:52,759
Speaker 3: the dictator of TV right. She owns Thursday Night, she

1107
00:50:52,800 --> 00:50:56,760
Speaker 3: owns Your Soul on Thursday. And to have her developed

1108
00:50:56,840 --> 00:51:01,000
Speaker 3: Lovey's book, I am judging you into a comedy series.

1109
00:51:01,160 --> 00:51:04,040
Speaker 3: I don't even know how love is able to to

1110
00:51:04,080 --> 00:51:05,640
Speaker 3: just stand I mean, like.

1111
00:51:05,960 --> 00:51:07,399
Speaker 1: Just how how can you stand it?

1112
00:51:07,680 --> 00:51:09,160
Speaker 3: She said the other day. And I thought it was

1113
00:51:09,200 --> 00:51:12,120
Speaker 3: so cute. She was like, honestly, it feels so surreal.

1114
00:51:12,200 --> 00:51:14,080
Speaker 3: I'm feeling like I'm watching a good ass movie on

1115
00:51:14,120 --> 00:51:15,719
Speaker 3: somebody else's life, and I'm like, yo, this movie is

1116
00:51:15,760 --> 00:51:20,279
Speaker 3: good as hell. Yeah, she's it doesn't feel real. And

1117
00:51:20,280 --> 00:51:22,280
Speaker 3: what I love And someone said, because I had posted

1118
00:51:22,280 --> 00:51:25,080
Speaker 3: about it, someone was like, what excites them? Almost as

1119
00:51:25,160 --> 00:51:27,520
Speaker 3: much as the fact that Lovey is Doue has this

1120
00:51:27,600 --> 00:51:30,680
Speaker 3: deal with Shanda is the number of women of color

1121
00:51:30,920 --> 00:51:33,600
Speaker 3: that have posted about it. And shared it because love

1122
00:51:33,719 --> 00:51:35,920
Speaker 3: and I said, it's a testament to her character because

1123
00:51:36,080 --> 00:51:40,480
Speaker 3: she's so awesome. I am so genuinely excited for it,

1124
00:51:40,560 --> 00:51:41,759
Speaker 3: like it's me. When I read it, I was like,

1125
00:51:41,800 --> 00:51:43,719
Speaker 3: are you kidding, Like I'm telling him, like Superman like, yo,

1126
00:51:44,040 --> 00:51:46,680
Speaker 3: so Lovey because he knows Lovey and he was like what,

1127
00:51:46,840 --> 00:51:49,560
Speaker 3: So we're all excited. It's not even me, but yeah,

1128
00:51:49,600 --> 00:51:51,920
Speaker 3: so that is the win on wins on wins, and

1129
00:51:51,960 --> 00:51:54,200
Speaker 3: I'm just really proud of her. And what I love

1130
00:51:54,280 --> 00:51:58,040
Speaker 3: is that Lovey is using this opportunity to also teach

1131
00:51:58,080 --> 00:52:00,759
Speaker 3: us along the way. She's face book the other day

1132
00:52:00,800 --> 00:52:05,239
Speaker 3: that although that this is a huge deal, people think

1133
00:52:05,239 --> 00:52:07,120
Speaker 3: that that means she's rolling in the dough. And she's like,

1134
00:52:07,120 --> 00:52:08,799
Speaker 3: you know, I want to share the good, the bad,

1135
00:52:08,800 --> 00:52:10,960
Speaker 3: the ugly of this whole process. And she said, can

1136
00:52:11,000 --> 00:52:13,680
Speaker 3: I buy some more Oxford shoes and some more Blazers? Yes,

1137
00:52:13,960 --> 00:52:17,200
Speaker 3: am I super rich? Now No, that that's not how

1138
00:52:17,200 --> 00:52:18,600
Speaker 3: it works. That the more money you make, the more

1139
00:52:18,640 --> 00:52:20,160
Speaker 3: people you have to hire, the more money you have

1140
00:52:20,200 --> 00:52:22,239
Speaker 3: to spend. And she's just like, I love the fact

1141
00:52:22,239 --> 00:52:24,680
Speaker 3: that she's showing the other side of this. So yeah,

1142
00:52:24,719 --> 00:52:26,799
Speaker 3: she's just awesome, and so I'm proud of her.

1143
00:52:27,000 --> 00:52:30,239
Speaker 2: Oh that makes me so happy because especially for kids

1144
00:52:30,239 --> 00:52:32,600
Speaker 2: out there, just anyone who's like a writer or whatever,

1145
00:52:32,800 --> 00:52:33,800
Speaker 2: it sounds all glamorous.

1146
00:52:33,800 --> 00:52:33,960
Speaker 1: You know.

1147
00:52:34,040 --> 00:52:37,720
Speaker 2: Cheryl Strade wrote an amazing or it was an amazing

1148
00:52:37,960 --> 00:52:41,239
Speaker 2: excerpt from her she's the author of Wild and like

1149
00:52:41,280 --> 00:52:43,399
Speaker 2: she's like super famous, and she wrote like the real

1150
00:52:43,440 --> 00:52:45,640
Speaker 2: story of what it's like to be an author and

1151
00:52:45,680 --> 00:52:47,920
Speaker 2: how the book advances work. And so I think that's

1152
00:52:47,719 --> 00:52:49,720
Speaker 2: it's great to tell the other side of the story.

1153
00:52:49,719 --> 00:52:52,759
Speaker 2: And like TV business is rough, like because a while back,

1154
00:52:53,000 --> 00:52:56,120
Speaker 2: Issa Ray, before she did the HBO show Shonda, Shonda

1155
00:52:56,760 --> 00:52:59,279
Speaker 2: and her team had bought the rights to Issa's book

1156
00:52:59,360 --> 00:53:01,200
Speaker 2: and we're going to not her book, but she they

1157
00:53:01,200 --> 00:53:05,000
Speaker 2: were gonna work with Asa Ryan developing a series, and

1158
00:53:05,000 --> 00:53:07,239
Speaker 2: then that didn't work out. I don't think ABC was

1159
00:53:07,280 --> 00:53:08,840
Speaker 2: like down for it or whatever, and she had to

1160
00:53:08,880 --> 00:53:11,680
Speaker 2: bunce back and came back with HBO. But it's rough

1161
00:53:11,719 --> 00:53:15,680
Speaker 2: out there. But I feel like Levy Levey's star is

1162
00:53:15,760 --> 00:53:18,160
Speaker 2: like this rising. I mean it's like up in the

1163
00:53:18,160 --> 00:53:20,720
Speaker 2: skies in the universe is in a different like, yeah,

1164
00:53:20,840 --> 00:53:23,000
Speaker 2: it's in a different stratosphere right now. And it's really

1165
00:53:23,000 --> 00:53:26,120
Speaker 2: exciting for her and just Shonda, I feel like Shonda

1166
00:53:26,200 --> 00:53:28,360
Speaker 2: and and and it reminds you like Ava Duverne. But

1167
00:53:28,400 --> 00:53:31,560
Speaker 2: these are women who were like reaching back and lifting

1168
00:53:31,560 --> 00:53:33,680
Speaker 2: people up behind them, which is which you know you

1169
00:53:33,719 --> 00:53:35,279
Speaker 2: don't really get to see a lot of. And it's

1170
00:53:35,320 --> 00:53:37,320
Speaker 2: just like, and here's why we need more women in

1171
00:53:37,360 --> 00:53:38,120
Speaker 2: power police.

1172
00:53:38,560 --> 00:53:38,799
Speaker 1: Yeah.

1173
00:53:39,600 --> 00:53:41,239
Speaker 2: Yeah, so they can look behind them and see who

1174
00:53:41,400 --> 00:53:43,200
Speaker 2: who needs to catch up and give them that leg up.

1175
00:53:43,239 --> 00:53:46,360
Speaker 2: And oh, it's exciting. I can't wait. Yeah, right, so

1176
00:53:46,400 --> 00:53:47,799
Speaker 2: we need to have back on the show then, right

1177
00:53:47,840 --> 00:53:49,960
Speaker 2: to tell us when in details and like what's the

1178
00:53:50,000 --> 00:53:51,920
Speaker 2: story going to be? Like what is she going to

1179
00:53:51,960 --> 00:53:53,640
Speaker 2: be in it? Who's who's playing her?

1180
00:53:54,280 --> 00:53:54,520
Speaker 5: Right?

1181
00:53:54,680 --> 00:53:54,839
Speaker 1: Oh?

1182
00:53:54,840 --> 00:53:56,040
Speaker 2: Who would you get to play her?

1183
00:53:56,680 --> 00:53:58,799
Speaker 1: I don't know? And I'm like, how is it really

1184
00:53:58,880 --> 00:53:59,239
Speaker 1: gonna go?

1185
00:53:59,600 --> 00:54:02,120
Speaker 2: It's known actress, Like I think that she needs an original,

1186
00:54:02,160 --> 00:54:04,239
Speaker 2: like someone new.

1187
00:54:03,480 --> 00:54:05,799
Speaker 3: But I wonder if it's like because because I am

1188
00:54:05,880 --> 00:54:09,120
Speaker 3: judging you, really isn't like a story of Lovey's life necessarily,

1189
00:54:09,400 --> 00:54:10,920
Speaker 3: so like it's it gonna be like a collection of

1190
00:54:10,920 --> 00:54:13,520
Speaker 3: different story It's gonna be like skits like who knows, I'm.

1191
00:54:13,360 --> 00:54:15,440
Speaker 1: Just who Chad? But yeah, We definitely have to have

1192
00:54:15,480 --> 00:54:16,959
Speaker 1: her back on again for sure.

1193
00:54:17,000 --> 00:54:17,840
Speaker 2: Okay, you work on that.

1194
00:54:19,680 --> 00:54:22,799
Speaker 1: She gets to hint, do it. I'm like, anyway maybe.

1195
00:54:22,600 --> 00:54:26,480
Speaker 2: And with Lovey No, it's amazing. Hey, I'm gonna tach

1196
00:54:26,560 --> 00:54:28,120
Speaker 2: him off that way, and I can't think of anything

1197
00:54:28,120 --> 00:54:29,440
Speaker 2: better than none.

1198
00:54:29,800 --> 00:54:30,840
Speaker 1: Right, it's awesome.