WEBVTT - Ep. 70 —  Adventures in House Hunting

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<v Speaker 1>Welcome back to Brown Ambition with Tiffany, Alicia, and Mandre

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<v Speaker 1>soon to be another last name.

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<v Speaker 2>You just said Mandre. I did no, no, no no, because

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<v Speaker 2>that my you. I have friends who call me Mandra

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<v Speaker 2>because that is that. That accident happens so often. Really

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<v Speaker 2>at my own graduation, both college and high school, the

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<v Speaker 2>person reading my name because my last name is Woodruff

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<v Speaker 2>and when they say Amanda, they start reading Woodruff before

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<v Speaker 2>they finished, and I think, okay, so it's always been

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<v Speaker 2>Amandra or Amandra Wandruff.

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<v Speaker 1>I'm not I can say that.

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<v Speaker 3>Not bad.

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<v Speaker 2>That's ok. That's my nickname.

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<v Speaker 3>I'm so used to it, right, So people always call

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<v Speaker 3>me Stephanie.

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<v Speaker 1>I'm like, like, Africans cannot say Tiffany. They cannot. I'm

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<v Speaker 1>telling you.

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<v Speaker 3>They're like, You're like, no, Tiffany's like literally and uncles

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<v Speaker 3>they're like, ah, Steph, how are you. I'm like Steph,

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<v Speaker 3>So now I have it. I can't even say tiff

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<v Speaker 3>That's tell you.

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<v Speaker 2>Like how a native Spanish speaker might say, they put

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<v Speaker 2>e in the friend and most words.

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<v Speaker 3>But I was gonna say that the natives they do that,

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<v Speaker 3>both the Africans, West Indians and Hispanic people tend to

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<v Speaker 3>call me Stephanie.

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<v Speaker 2>So that is your linguistic lesson of the day, Brown ambition.

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<v Speaker 2>It's important to learn languages, so you know what it's

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<v Speaker 2>We're already almost halfway through February. That's why is it

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<v Speaker 2>sucks that this is the shortest month. But I thought

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<v Speaker 2>we could kick off the show by sharing a little

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<v Speaker 2>bit of black history. If you don't mind, are you

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<v Speaker 2>down for the something I learned today? Let's do let's

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<v Speaker 2>let's do it.

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<v Speaker 3>Well.

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<v Speaker 2>I Well, one thing I'll point out is so the

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<v Speaker 2>end day n double a CP Image Awards for yesterday,

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<v Speaker 2>so I relived it through my Instagram feed. I don't

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<v Speaker 2>actually know what channel they come on, but uh, I

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<v Speaker 2>never actually watched it, but I always tune in for

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<v Speaker 2>the speeches after So of course Hidden Figures one and

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<v Speaker 2>they're amazing. But then Denzel won for his role in Fences,

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<v Speaker 2>and he gave just a really I mean, I feel

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<v Speaker 2>like Denzel should have been a preacher if he wasn't

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<v Speaker 2>like a multimillion dollar, you know, award winning actor. But

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<v Speaker 2>he can preach, you know, and it's like, really, yes,

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<v Speaker 2>if you haven't you need to go. I might play

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<v Speaker 2>a clip of his speech but he just gave an

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<v Speaker 2>amazing speech. He was like, basically the theme of his

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<v Speaker 2>speech was that don't let anyone tell you this is easy.

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<v Speaker 2>It's hard and if and I'm glad that it's hard,

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<v Speaker 2>because if it weren't like he says, easiness is a

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<v Speaker 2>bigger threat to success than difficulty, and he talks about that,

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<v Speaker 2>he talks about the benefit of challenges, and you can

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<v Speaker 2>just I don't know. I just felt like I went

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<v Speaker 2>to church in two and a half minutes.

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<v Speaker 1>I'd do very much.

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<v Speaker 4>Thank you, very much, Thank you, Tanny See Williams, Arthur Miller,

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<v Speaker 4>Eugene O'Neil, Edward Albie, August Wilson. August Wilson is one

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<v Speaker 4>of the greatest playwrights in the history of American all

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<v Speaker 4>world theater. It is a privilege and honor, a responsibility,

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<v Speaker 4>a duty, and a joy to bring his brilliance to

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<v Speaker 4>the screen. I am particularly proud and happy about the

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<v Speaker 4>young filmmakers, actors, singers, writers, producers that are coming up

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<v Speaker 4>behind my generation, in particular Barry Jenkins. Young people understand

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<v Speaker 4>this young man made ten, fifteen, twenty short films before

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<v Speaker 4>he got the opportunity to make Moonlight. So never give

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<v Speaker 4>us up. Without commitment, you'll never start, But more importantly,

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<v Speaker 4>without consistency, you'll never finish. It's not easy.

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<v Speaker 1>If it was easy, there'd.

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<v Speaker 4>Be no Kerry Washington. If it was easy, there'd be

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<v Speaker 4>no to Rogi Henson p Henson. If it were easy,

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<v Speaker 4>there'd be no Octavia Spencer. But not only that. If

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<v Speaker 4>it were easy, there'd be no Viola Davis. If we

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<v Speaker 4>were easy, there'd be no Michael T. Williamson, no Stephen

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<v Speaker 4>McKinley Henderson, no Russell Hornsby. If we were easy, there'd be

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<v Speaker 4>no Denzel Washington. So keep working, keep striving, never give up.

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<v Speaker 4>Fall down seven times, get up eight.

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<v Speaker 5>Ease is a greater threat to progress than hardship. He's

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<v Speaker 5>is a greater threat to progress than hardship.

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<v Speaker 4>So keep moving, keep growing, keep learning. So yeah, it work.

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<v Speaker 2>Wow, And it was nice he called that all the

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<v Speaker 2>different names and the actors and the audience, and just

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<v Speaker 2>felt so nice. But what I also wanted to share

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<v Speaker 2>is I read this article and I don't know how

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<v Speaker 2>I missed this last year, But last year this news

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<v Speaker 2>came out. So everyone knows Jack Daniels, this famous Southern bourbon.

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<v Speaker 2>Don't I knew Kennethy, Kennethy, thank you. I was gonna

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<v Speaker 2>say Tennessee or Kentucky. I forget Tennessee.

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<v Speaker 1>Yeah.

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<v Speaker 2>It turns out so the history of the company's over

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<v Speaker 2>one hundred years old, I think one hundred and fifty

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<v Speaker 2>years old. And you know, this man named Daniels who

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<v Speaker 2>created the whiskey was always credited for it. But actually

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<v Speaker 2>this apparently the original Daniels was taken in by a

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<v Speaker 2>family and the patriarch of the family is who got

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<v Speaker 2>him into to making whiskey. But it was that guy's slave,

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<v Speaker 2>a man uncle Ners or near Us, who was really

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<v Speaker 2>responsible for all the methods and the recipe for the

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<v Speaker 2>original Jack Daniel's whiskey. And I never knew that.

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<v Speaker 1>I think I saw that somewhere. I think I saw

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<v Speaker 1>an article about that, and I was like.

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<v Speaker 2>Yeah, Black Enterprise did another story yesterday on it. That's

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<v Speaker 2>where I read it, and then I was like, wait,

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<v Speaker 2>they said it happened last year. So this came out

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<v Speaker 2>last year and the Telegraph, of all places, look at

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<v Speaker 2>Britain calling out Colena. How America has whitewashed its own history.

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<v Speaker 2>But yeah, and this guy's descendants have been trying to

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<v Speaker 2>get him more credit for the actual recipe and all that,

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<v Speaker 2>but you know, just kind of reminds you. And I

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<v Speaker 2>mean this was also in the year that you know,

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<v Speaker 2>Hidden Figures came out, and you just realize there are

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<v Speaker 2>these like huge moments in history, these huge things that

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<v Speaker 2>were accomplished, and all these nameless people, these nameles African

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<v Speaker 2>Americans who don't get credit or didn't get credit. So

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<v Speaker 2>I just wanted to give a shout out to uncle near.

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<v Speaker 2>Yeah n e A R I s.

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<v Speaker 1>Although I don't partake in the drink, I know, but

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<v Speaker 1>you know, no, that's awesome.

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<v Speaker 2>Actually, that's funny story. Jack Daniels is like my everyone

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<v Speaker 2>has like if you do drink, you you know, you

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<v Speaker 2>have like your trigger liquor, the one it turns you

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<v Speaker 2>into like a crazy person. That's my trigger liquor. Trigger

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<v Speaker 2>trigger liquor. That's a dangerous combination of it sounds really terrible.

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<v Speaker 1>I was somebody I was wearing like a Detroit like sweatshirt.

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<v Speaker 2>It's just like sweating. I got so nervous.

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<v Speaker 1>Liquor.

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<v Speaker 2>Stop saying that exactly.

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<v Speaker 1>I don't like it.

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<v Speaker 3>Like it's like funny because it's like the same kind

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<v Speaker 3>of like player on words and I was like, oh

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<v Speaker 3>my god, you have a Detroit sweatshirt. And I said, girl,

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<v Speaker 3>I love the d And then I realized and I

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<v Speaker 3>said it like so loud, proud, and like I'm just

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<v Speaker 3>gonna leave that.

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<v Speaker 2>We all have those moments. That's that's what she said,

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<v Speaker 2>moment you.

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<v Speaker 1>Know, yes. And then meanwhile, there's some people who are like,

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<v Speaker 1>I don't get it.

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<v Speaker 3>Is that once again, that's one of those You're innocent

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<v Speaker 3>and we want to keep you that way, so we're

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<v Speaker 3>not going to explain what that means.

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<v Speaker 2>Yeah, I don't know. I feel like our audience is

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<v Speaker 2>on to us to get it.

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<v Speaker 1>But I I can't wait for the wins because I

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<v Speaker 1>have an awesome win. But I'm gonna save it.

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<v Speaker 2>Okay, oh did you buy a house?

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<v Speaker 1>No? No, no, it's not me. It's an awesome win

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<v Speaker 1>for somebody who like, I'm like, I'm so proud of that.

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<v Speaker 2>Oh okay, okay, good. I'm trying to I always do that.

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<v Speaker 2>Someone's like I have a surprise that I'm like, immediately

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<v Speaker 2>start trying to guess it until I ruin it. For

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<v Speaker 2>my song. It's a cute little habit. So the biggest,

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<v Speaker 2>one of the biggest things, well, two big things in

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<v Speaker 2>women's news today, women's history. So one step backward is

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<v Speaker 2>that Betsy de Vos was nominated to be the Department

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<v Speaker 2>of Education secretary. As a former teacher, Tiffany Leitch, how

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<v Speaker 2>do you feel having a woman of her you know,

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<v Speaker 2>lack of stature and experience.

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<v Speaker 3>That's charge because one thing you learn when you're a

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<v Speaker 3>teacher is you learn how critical it is for the

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<v Speaker 3>upper levels of you know, of people who are in

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<v Speaker 3>education and creating policy, how critical it is is they

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<v Speaker 3>have at least taught because there's no substitute for that.

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<v Speaker 3>Like there's certain things that you cannot learn without being

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<v Speaker 3>in the classroom because you're like, oh, for example, I'm

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<v Speaker 3>working on you know, like that that literacy bill was

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<v Speaker 3>my friend who's an Assembly women Assembly Women, Angela v. McKnight, Right,

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<v Speaker 3>So we're working on this financial literacy bill for elementary

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<v Speaker 3>and middle school students that they make it mandatory to

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<v Speaker 3>teach financial education in the lower grades. They already have

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<v Speaker 3>a law in place for high school. So I met

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<v Speaker 3>with the Education Committee in New Jersey and the women

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<v Speaker 3>were like adamant, like they were kind of like pushing

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<v Speaker 3>against this potential law. And Angela asked if I would

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<v Speaker 3>come and sit with them and talk with them, and

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<v Speaker 3>so I did. And this is the pushback. It was like,

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<v Speaker 3>the educational day is already two packed, and me, being

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<v Speaker 3>a teacher of ten years, totally got it. And I

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<v Speaker 3>explained to them, I know what that looked like to

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<v Speaker 3>have a new you know, some sort of new mandate

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<v Speaker 3>and then having to fit it where, when, and so

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<v Speaker 3>what I was explaining is that the way I wanted

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<v Speaker 3>the law to be phraised was not that you had

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<v Speaker 3>to set aside time in the day for its financial

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<v Speaker 3>literacy time. Instead was to give teachers the tools to

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<v Speaker 3>teach to incorporate it. And they're already packed day. So

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<v Speaker 3>instead you already have library time. Why can't there be

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<v Speaker 3>at least three or four books in your library area

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<v Speaker 3>that deal with money. You're already doing counting. Why can't

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<v Speaker 3>you know that sometimes some of your counting activities include

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<v Speaker 3>you counting up money. So that nuance of like, because

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<v Speaker 3>it's so easy for somebody to say, hey, add this

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<v Speaker 3>new thing to your classroom.

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<v Speaker 1>It's good for the kids, But as a teacher, you're.

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<v Speaker 3>Like why and how and so if you don't get that,

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<v Speaker 3>if you don't understand what it's really like to implement

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<v Speaker 3>these like laws and mandates, because ultimately the teacher has

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<v Speaker 3>to be the one to implement those things, and she

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<v Speaker 3>doesn't have that nuance understanding. And so it's really frustrating

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<v Speaker 3>because you know, she's going to make laws and or

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<v Speaker 3>make changes based upon something that she has no idea

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<v Speaker 3>how that's going to affect the day to day learning

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<v Speaker 3>of a child, you know, and you can see the difference,

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<v Speaker 3>like you know, so it's just really frustrating. But I

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<v Speaker 3>did get a giggle out of her trying to visit

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<v Speaker 3>a public school and then.

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<v Speaker 1>Running her out. Here's a video. I will send it

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<v Speaker 1>to you so maybe we can share it.

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<v Speaker 2>In they like protest, there's one guy. Your kids are

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<v Speaker 2>the wokest of the woke. On another level, I feel

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<v Speaker 2>like I slept through middle school. These kids are like

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<v Speaker 2>mm hmmms, Betsy, we see you, we know who you

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<v Speaker 2>are and have you.

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<v Speaker 1>But it wasn't the kids.

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<v Speaker 3>It was like I guess some like protests or so

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<v Speaker 3>like parents or whatever, and this guy told and he's.

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<v Speaker 1>Screaming shame, shame, shame.

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<v Speaker 3>So that's been like that's been like my hashtag with

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<v Speaker 3>my friends, like shame, shame, And so he's like basically

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<v Speaker 3>telling her our schools are not for sale.

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<v Speaker 1>She looks so uncomfortable. They usher her to the car.

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<v Speaker 3>You know, he doesn't touch her anything, but he's very

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<v Speaker 3>clear and vocal. But yeah, I'll share the video because

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<v Speaker 3>I definitely got a snicker. Like you thought it was

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<v Speaker 3>gonna be easy. She was like, you cannot buy our schools.

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<v Speaker 1>Shame, sham, shame. That's a good title for the podcast today.

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<v Speaker 2>Shame, shame, shame. I don't know, I feel like that

0:12:14.240 --> 0:12:15.119
<v Speaker 2>my term people.

0:12:14.840 --> 0:12:16.480
<v Speaker 1>Away, like what's happening.

0:12:16.800 --> 0:12:20.920
<v Speaker 2>This is the Catholic edition of Today's past exactly ten

0:12:20.960 --> 0:12:23.960
<v Speaker 2>million hail marries for everybody. So the other half of

0:12:23.960 --> 0:12:27.640
<v Speaker 2>this was so Betsy Devas was, you know, after a

0:12:27.880 --> 0:12:31.640
<v Speaker 2>highly contested confirmation hearing, finally she was approved. She's in

0:12:31.720 --> 0:12:34.040
<v Speaker 2>it where you know, it sucks, but it's over. But

0:12:34.160 --> 0:12:36.280
<v Speaker 2>during the course of the week, Elizabeth Warren had a

0:12:36.320 --> 0:12:38.240
<v Speaker 2>moment for her. You know, I feel like she's like

0:12:38.320 --> 0:12:41.760
<v Speaker 2>launching her twenty twenty campaign already. But Miss Lizzie Warren

0:12:41.800 --> 0:12:43.880
<v Speaker 2>on the floor of the Senate was trying to read

0:12:43.920 --> 0:12:51.840
<v Speaker 2>the letter from Credit Scott King criticizing Jeff sessions from

0:12:51.920 --> 0:12:54.560
<v Speaker 2>back in the eighties. Credit Scott King wrote this letter

0:12:54.600 --> 0:12:56.440
<v Speaker 2>and while she was reading it, apparently there's some like

0:12:56.920 --> 0:12:59.240
<v Speaker 2>old rule on the Senate floor that you're not able

0:12:59.240 --> 0:13:03.560
<v Speaker 2>to disparage actual lawmakers like your your senate brethren or whatever,

0:13:03.640 --> 0:13:06.280
<v Speaker 2>and they invoke that and kicked her off the floor.

0:13:06.400 --> 0:13:08.320
<v Speaker 2>But there's you know what they say about when you

0:13:08.360 --> 0:13:10.520
<v Speaker 2>ban a book or when you ban something like there's

0:13:11.080 --> 0:13:14.640
<v Speaker 2>you're not by banning it, You're only ensuring that everyone

0:13:14.720 --> 0:13:16.760
<v Speaker 2>is going to read it, like way more people are

0:13:16.760 --> 0:13:18.920
<v Speaker 2>going to hear it or read it than ever before.

0:13:18.960 --> 0:13:21.320
<v Speaker 2>And of course, what did miss Lizzie Warren do. I

0:13:21.360 --> 0:13:23.920
<v Speaker 2>love her, She's my spirit animal. And those purple pants suits,

0:13:23.920 --> 0:13:27.280
<v Speaker 2>I love it. She went outside and proceeded to read

0:13:27.280 --> 0:13:29.319
<v Speaker 2>the letter on Facebook Live and got like over two

0:13:29.400 --> 0:13:31.920
<v Speaker 2>million views, and it was all over the news. She's

0:13:31.920 --> 0:13:32.959
<v Speaker 2>got her own hashtag.

0:13:33.040 --> 0:13:37.679
<v Speaker 3>Now, let's Lizzie speak, Let Lizzie speak, Let Liz speak.

0:13:37.720 --> 0:13:41.240
<v Speaker 2>But then and hashtag, she persisted, it's everywhere. I mean,

0:13:41.280 --> 0:13:43.240
<v Speaker 2>it's gone viral. She's still I got an email from

0:13:43.240 --> 0:13:46.080
<v Speaker 2>her campaign like this happened on a Tuesday. By Thursday morning,

0:13:46.080 --> 0:13:47.920
<v Speaker 2>I had an email saying you can buy your she

0:13:48.080 --> 0:13:52.240
<v Speaker 2>persisted t shirts on Elizabeth Warren got I was like,

0:13:52.720 --> 0:13:54.480
<v Speaker 2>all right, all right, all right, I mean, you know,

0:13:54.760 --> 0:13:58.280
<v Speaker 2>goes toward her campaign or whatever, but uh yeah, I

0:13:58.320 --> 0:14:01.080
<v Speaker 2>just so shout out to Elizabeth Warren and I feel

0:14:01.120 --> 0:14:04.360
<v Speaker 2>like her voice, you know, was absolutely heard in the end.

0:14:04.960 --> 0:14:07.240
<v Speaker 2>And who was it that Chuck Schumer came in behind

0:14:07.240 --> 0:14:08.760
<v Speaker 2>her and he was able to read the whole thing?

0:14:10.280 --> 0:14:12.240
<v Speaker 2>You know what I do? You know, hearing that, I

0:14:12.360 --> 0:14:14.400
<v Speaker 2>just have to say, I feel a little weird hearing

0:14:14.440 --> 0:14:19.320
<v Speaker 2>about the the protesting. Well, the way you know, Elizabeth

0:14:19.320 --> 0:14:21.200
<v Speaker 2>Warren was treated was sort of people were saying, you

0:14:21.200 --> 0:14:22.680
<v Speaker 2>know what, they had done that to a man. Because

0:14:22.680 --> 0:14:24.800
<v Speaker 2>then Chuck Schumer came right behind her and read his

0:14:24.920 --> 0:14:27.480
<v Speaker 2>letter and then to hear the I mean, I know

0:14:27.560 --> 0:14:31.320
<v Speaker 2>that Betsy da Voss is like completely unexperienced for this

0:14:31.400 --> 0:14:33.080
<v Speaker 2>office and all that kind of thing, But I wonder

0:14:33.160 --> 0:14:35.240
<v Speaker 2>if the same sort of visceral reaction would be happening

0:14:35.240 --> 0:14:37.920
<v Speaker 2>if it were a guy. I mean, I don't think

0:14:38.440 --> 0:14:41.160
<v Speaker 2>Jeff Sessions is getting run out of you know where

0:14:41.200 --> 0:14:43.600
<v Speaker 2>if he goes near a police precinct or I don't know,

0:14:43.680 --> 0:14:46.680
<v Speaker 2>you know what I mean. I and when you said

0:14:46.720 --> 0:14:48.680
<v Speaker 2>the shame, shame, shame. That made me think of Game

0:14:48.680 --> 0:14:52.000
<v Speaker 2>of Thrones when you know, as a nerd Game of Thrones,

0:14:52.120 --> 0:14:55.520
<v Speaker 2>there's a central scene that's like famous and the queen

0:14:56.720 --> 0:14:59.400
<v Speaker 2>is being shamed by this church who has all this power,

0:14:59.440 --> 0:15:02.200
<v Speaker 2>and she's forced walk naked through the town and as

0:15:02.240 --> 0:15:04.960
<v Speaker 2>she walks, they yell. This nun is yelling shame, shame,

0:15:05.040 --> 0:15:07.040
<v Speaker 2>shame at her the whole way down, and it was

0:15:07.080 --> 0:15:08.960
<v Speaker 2>sort of seen as like a and she's you know

0:15:09.480 --> 0:15:12.000
<v Speaker 2>in jail, in church jail, which used to be a thing,

0:15:12.040 --> 0:15:15.880
<v Speaker 2>I guess, wow, for committing adultery. So it's it's it's

0:15:15.920 --> 0:15:20.120
<v Speaker 2>just fascinating. I mean, yes, there's reasons to completely you know,

0:15:20.800 --> 0:15:23.840
<v Speaker 2>not want her anywhere near our public schools and our

0:15:23.960 --> 0:15:26.320
<v Speaker 2>you know, higher education. But I don't know, I just

0:15:26.400 --> 0:15:28.560
<v Speaker 2>I'm trying to like step take a step back and

0:15:28.600 --> 0:15:33.040
<v Speaker 2>listen to how how people are criticizing and how they're

0:15:33.080 --> 0:15:38.360
<v Speaker 2>sort of treating people, you know, as Voldemort is fleshing

0:15:38.360 --> 0:15:41.040
<v Speaker 2>out his cabinet, I mean I think she's like the

0:15:41.040 --> 0:15:41.840
<v Speaker 2>only woman.

0:15:41.680 --> 0:15:44.280
<v Speaker 1>Right, Yeah, well yeah, I think so.

0:15:44.840 --> 0:15:46.560
<v Speaker 2>I can't think of any other women in his cabinet.

0:15:46.600 --> 0:15:50.480
<v Speaker 2>I mean, so, uh, it's just it's it's it's interesting,

0:15:50.520 --> 0:15:52.120
<v Speaker 2>and I'll just I'll just leave it there at dot

0:15:52.160 --> 0:15:52.600
<v Speaker 2>dot dot.

0:16:00.400 --> 0:16:02.400
<v Speaker 3>I will I'll give you some update about my I

0:16:02.400 --> 0:16:04.760
<v Speaker 3>told you a little earlier we had some update about.

0:16:04.520 --> 0:16:07.160
<v Speaker 2>My house search done.

0:16:08.160 --> 0:16:11.840
<v Speaker 1>So I've learned so much about this process. I meant,

0:16:11.920 --> 0:16:12.960
<v Speaker 1>what so you know?

0:16:13.080 --> 0:16:16.680
<v Speaker 3>So one, for those of you who know Superman and I,

0:16:16.680 --> 0:16:18.520
<v Speaker 3>I wanted to buy a house.

0:16:18.600 --> 0:16:20.200
<v Speaker 1>You know, we just recently were engaged.

0:16:20.240 --> 0:16:22.520
<v Speaker 3>But one of the reasons why I wanted to get

0:16:22.520 --> 0:16:25.640
<v Speaker 3>a house, it's because when when we first started dating,

0:16:25.880 --> 0:16:26.240
<v Speaker 3>you know.

0:16:26.480 --> 0:16:28.000
<v Speaker 1>I knew I wanted to purchase a house.

0:16:28.000 --> 0:16:29.360
<v Speaker 3>I had one before when I was like in my

0:16:29.400 --> 0:16:32.280
<v Speaker 3>twenties and lost it to a foreclosure, and I wanted

0:16:32.280 --> 0:16:33.840
<v Speaker 3>to do it right the second time around.

0:16:34.040 --> 0:16:37.800
<v Speaker 1>And as we started to get more serious, I realized, Huh, if.

0:16:37.680 --> 0:16:39.960
<v Speaker 3>We purchased the house in the right way, I can

0:16:40.080 --> 0:16:45.040
<v Speaker 3>really and we can really position Superman, my fiance to

0:16:45.040 --> 0:16:47.320
<v Speaker 3>to to really start a business.

0:16:47.320 --> 0:16:50.120
<v Speaker 1>And so he works for the city where we live

0:16:50.200 --> 0:16:51.520
<v Speaker 1>in Newark, for the.

0:16:51.480 --> 0:16:53.160
<v Speaker 3>Housing Authority, and one of the things he does is

0:16:53.200 --> 0:16:54.920
<v Speaker 3>that he flips properties and stuff for them. It's like

0:16:55.000 --> 0:16:56.840
<v Speaker 3>knows how to fix everything. So I thought, well, why

0:16:56.840 --> 0:17:00.160
<v Speaker 3>don't we get multi family house since literally this is

0:17:00.200 --> 0:17:01.280
<v Speaker 3>what you do for a living. And he was like,

0:17:01.280 --> 0:17:02.320
<v Speaker 3>I don't want to be a landlord.

0:17:02.360 --> 0:17:04.080
<v Speaker 1>And it took like a year and a half, but

0:17:04.280 --> 0:17:06.199
<v Speaker 1>finally I was like, you are a landlord. You are

0:17:06.200 --> 0:17:06.760
<v Speaker 1>a landlord.

0:17:06.880 --> 0:17:09.600
<v Speaker 3>You're a landlord of three hundred units, so what's you know,

0:17:09.680 --> 0:17:12.240
<v Speaker 3>like you're doing it? And so I'm like, but you know,

0:17:12.280 --> 0:17:13.920
<v Speaker 3>and so we did the math and it wasn't until

0:17:13.920 --> 0:17:16.200
<v Speaker 3>we did the math that we saw that after basically

0:17:16.320 --> 0:17:19.960
<v Speaker 3>three multi family houses, it well exceeded what he made

0:17:20.600 --> 0:17:23.800
<v Speaker 3>as as working for the city. And so not going

0:17:23.840 --> 0:17:25.719
<v Speaker 3>to say that he would quit, but at least that

0:17:25.800 --> 0:17:28.639
<v Speaker 3>was an option for if I decide that I no

0:17:28.680 --> 0:17:30.560
<v Speaker 3>longer want to work for the city. Once we get

0:17:30.560 --> 0:17:33.399
<v Speaker 3>three properties, you know, I've more than matched my income.

0:17:33.720 --> 0:17:35.399
<v Speaker 3>So that was like my dream because I, you know,

0:17:35.440 --> 0:17:37.320
<v Speaker 3>I travel a lot, and sometimes he wants to go

0:17:37.480 --> 0:17:39.679
<v Speaker 3>and can't get off work and he wants to kind

0:17:39.680 --> 0:17:41.760
<v Speaker 3>of go back to school, but you know, he's raising his.

0:17:41.760 --> 0:17:43.359
<v Speaker 1>Daughter, so he doesn't have as much time.

0:17:44.280 --> 0:17:47.280
<v Speaker 3>So we've been looking for multi family properties and we

0:17:47.320 --> 0:17:49.879
<v Speaker 3>wanted to live in Newark because Newark is really starting

0:17:49.920 --> 0:17:53.920
<v Speaker 3>to yeah, pop honestly, Like you know, they talk about

0:17:53.920 --> 0:17:56.439
<v Speaker 3>places starting to transform, and they've been talking about Newark

0:17:56.560 --> 0:17:57.560
<v Speaker 3>is coming for years.

0:17:57.640 --> 0:17:59.080
<v Speaker 1>But it's fine. You should have heard.

0:17:59.200 --> 0:18:01.480
<v Speaker 2>I went to a baby yesterday and all the way

0:18:01.480 --> 0:18:03.600
<v Speaker 2>out in Long Island and those crowd of people were

0:18:03.600 --> 0:18:05.760
<v Speaker 2>talking about Newark. So you watch out.

0:18:06.280 --> 0:18:07.720
<v Speaker 1>I know, honestly, it's Mandy.

0:18:07.760 --> 0:18:12.800
<v Speaker 3>It's like scary, like scary, but exciting. I mean if yeah,

0:18:12.800 --> 0:18:14.760
<v Speaker 3>there's so many first of all, one like you know,

0:18:14.800 --> 0:18:18.359
<v Speaker 3>the they it's almost basically here. They have these new

0:18:18.400 --> 0:18:21.800
<v Speaker 3>apartments downtown Newark for a one bedroom Mandy twenty two.

0:18:21.680 --> 0:18:25.440
<v Speaker 1>Hundred dollars, what Newark, New Jersey twenty two hundred dollars

0:18:25.480 --> 0:18:26.520
<v Speaker 1>for a one bedroom.

0:18:26.720 --> 0:18:30.320
<v Speaker 3>It's crazy because Newark has already has two trains that

0:18:30.400 --> 0:18:32.680
<v Speaker 3>go directly to New York City. They're building a third,

0:18:33.320 --> 0:18:35.600
<v Speaker 3>so you're gonna have three trains directly to the city.

0:18:35.960 --> 0:18:38.840
<v Speaker 3>And I can literally from Newark get to Midtown faster

0:18:38.880 --> 0:18:41.919
<v Speaker 3>than somebody from Brooklyn can. And then Newark has an

0:18:41.920 --> 0:18:44.800
<v Speaker 3>international airport that flies everywhere in the world, so it's

0:18:44.840 --> 0:18:46.640
<v Speaker 3>already and then it's right next to a port. It's

0:18:46.680 --> 0:18:50.240
<v Speaker 3>it's the position of Newark is already perfectly positioned it

0:18:50.400 --> 0:18:53.399
<v Speaker 3>just the infrastructure was there but not being utilized. And

0:18:53.440 --> 0:18:55.119
<v Speaker 3>so now they're starting to clean up the neighborhoods. And

0:18:55.119 --> 0:18:58.520
<v Speaker 3>there's one neighborhood in particular that I particularly like. It's

0:18:58.640 --> 0:19:01.399
<v Speaker 3>a Weekway section of Newark. It's very family focused, so

0:19:01.440 --> 0:19:03.520
<v Speaker 3>everybody there has lived there for like I lived here

0:19:03.520 --> 0:19:06.320
<v Speaker 3>twenty years, I lived to ten years during the riots.

0:19:06.359 --> 0:19:08.280
<v Speaker 1>Is one of the few neighborhoods that did not fall

0:19:08.400 --> 0:19:10.359
<v Speaker 1>victims to the riots.

0:19:10.359 --> 0:19:13.800
<v Speaker 3>So the houses are beautiful, like nineteen thirty, nineteen nineteen,

0:19:13.800 --> 0:19:16.200
<v Speaker 3>and I love those kind of like old houses, and

0:19:16.480 --> 0:19:18.320
<v Speaker 3>many of them have been renovated. So we've been looking,

0:19:18.880 --> 0:19:21.119
<v Speaker 3>but it's been discouraging because a lot of the houses

0:19:21.160 --> 0:19:22.159
<v Speaker 3>have not been kept up.

0:19:22.200 --> 0:19:23.600
<v Speaker 1>So you might find a house for eighty.

0:19:23.440 --> 0:19:25.800
<v Speaker 3>Thousand dollars and you're like, well, I don't know that

0:19:25.840 --> 0:19:28.679
<v Speaker 3>we have the skill set yet to renovate at this level.

0:19:29.200 --> 0:19:31.199
<v Speaker 3>Or you see a house for like two fifty or

0:19:31.200 --> 0:19:34.359
<v Speaker 3>two seventy and you're like really, like the floor is

0:19:34.400 --> 0:19:36.119
<v Speaker 3>pulled up, like is it even worth this?

0:19:36.920 --> 0:19:39.160
<v Speaker 1>So we finally found the house this weekend, whoo whoo.

0:19:39.800 --> 0:19:42.080
<v Speaker 1>So Mandy, it is perfect. I cannot wait for to

0:19:42.080 --> 0:19:44.200
<v Speaker 1>have you a fiance bou to come.

0:19:44.560 --> 0:19:46.120
<v Speaker 2>Is it a house? Are you doing? Are you doing?

0:19:46.160 --> 0:19:49.639
<v Speaker 3>Like the multifamily, it's a multi family, and so this

0:19:49.680 --> 0:19:50.760
<v Speaker 3>is what's so great about it.

0:19:50.760 --> 0:19:53.640
<v Speaker 1>It's three units. It's in my beloved Weekway section where

0:19:53.680 --> 0:19:56.000
<v Speaker 1>I want to live. It's two blocks from the park.

0:19:56.240 --> 0:19:58.200
<v Speaker 1>Weekway is famous for the Weekway Park.

0:19:58.240 --> 0:20:00.359
<v Speaker 3>It's a beautiful park, and they're even renovated even that,

0:20:00.440 --> 0:20:02.360
<v Speaker 3>but it's already a beautiful park with a big lake

0:20:02.400 --> 0:20:05.320
<v Speaker 3>in the middle. So it's super close to the airport.

0:20:05.880 --> 0:20:08.480
<v Speaker 3>It's three family. Two of the units are already rented.

0:20:09.760 --> 0:20:11.640
<v Speaker 3>Unit one is renting for one thousand dollars a month.

0:20:11.640 --> 0:20:13.560
<v Speaker 3>The unit two is rerunning for fifteen hundred, so twenty

0:20:13.560 --> 0:20:16.520
<v Speaker 3>five hundred. This is already making. So we did the

0:20:16.680 --> 0:20:18.760
<v Speaker 3>I spoke to my mortgage guy a couple of days

0:20:18.800 --> 0:20:21.040
<v Speaker 3>ago and I said, you know, how much would the

0:20:21.080 --> 0:20:24.000
<v Speaker 3>mortgage be for this house if we put fah loan

0:20:24.119 --> 0:20:27.159
<v Speaker 3>thirty year, two percent down, current interest rate, our mortgage

0:20:27.200 --> 0:20:28.480
<v Speaker 3>would be two thousand dollars a.

0:20:28.400 --> 0:20:29.280
<v Speaker 1>Month if we lived there.

0:20:29.960 --> 0:20:32.840
<v Speaker 3>And so so rent is already making twenty five hundred.

0:20:32.880 --> 0:20:35.160
<v Speaker 3>Our mortgage is two thousand so one we live rent

0:20:35.160 --> 0:20:37.080
<v Speaker 3>free and two we make five hundred dollars a month.

0:20:37.359 --> 0:20:37.919
<v Speaker 1>Woo.

0:20:38.680 --> 0:20:40.959
<v Speaker 3>And what makes the house so great is that, like online,

0:20:41.000 --> 0:20:42.240
<v Speaker 3>I didn't even want to go see it because my

0:20:42.240 --> 0:20:44.440
<v Speaker 3>realtor was like, let's go see it, but I said no,

0:20:44.840 --> 0:20:47.200
<v Speaker 3>it says there's only five bedrooms total in the three

0:20:47.200 --> 0:20:49.560
<v Speaker 3>family house. So I'm like, five bedrooms is not enough.

0:20:49.560 --> 0:20:51.639
<v Speaker 3>That's just two bedrooms for a unit and one bedroom

0:20:51.680 --> 0:20:54.480
<v Speaker 3>in the unit in the attic. She said, let's still

0:20:54.480 --> 0:20:56.160
<v Speaker 3>go see it. So she tricked me and made me go,

0:20:56.720 --> 0:20:58.960
<v Speaker 3>I don't know who wrote the listing. It's not five

0:20:59.000 --> 0:21:02.919
<v Speaker 3>bedrooms total. One unit is five bedrooms. Fandy, five bedrooms

0:21:02.920 --> 0:21:06.159
<v Speaker 3>in one unit, and beautiful horns were forced through it,

0:21:06.440 --> 0:21:09.040
<v Speaker 3>I know. So I walk in and I'm like, wait,

0:21:09.119 --> 0:21:11.320
<v Speaker 3>this place is huge. And then we go and I'm like, oh,

0:21:11.400 --> 0:21:13.679
<v Speaker 3>so here's one bedroom in the front. That's weird, but

0:21:13.720 --> 0:21:15.760
<v Speaker 3>there's another bedroom here, and then this bedroom has an

0:21:15.760 --> 0:21:17.760
<v Speaker 3>office off of it, and then there's three in the.

0:21:17.720 --> 0:21:19.160
<v Speaker 1>Back and I'm like, whoa, whoa, whoa.

0:21:19.480 --> 0:21:22.880
<v Speaker 3>So one and a half as five bedrooms in office

0:21:23.160 --> 0:21:26.160
<v Speaker 3>open concept, but it's still it was built in nineteen thirty,

0:21:26.200 --> 0:21:28.520
<v Speaker 3>so it has my charm. So if that wasn't good enough.

0:21:28.840 --> 0:21:31.479
<v Speaker 3>The price of the house is actually like, so, well,

0:21:32.680 --> 0:21:34.800
<v Speaker 3>so what place. It's a two hundred and thirty nine

0:21:34.800 --> 0:21:37.600
<v Speaker 3>thousand for a three bedroom, three family that's nothing. And

0:21:37.640 --> 0:21:39.119
<v Speaker 3>then we went go to the back and I said, well,

0:21:39.160 --> 0:21:40.880
<v Speaker 3>let's see the backyard. And I was like, oh, there's

0:21:40.880 --> 0:21:42.760
<v Speaker 3>a cute little garden kind of space. I said, oh,

0:21:42.800 --> 0:21:45.080
<v Speaker 3>there's not much of a backyard, but okay. And then

0:21:45.119 --> 0:21:47.879
<v Speaker 3>behind the backyard there's this little like park and I

0:21:47.920 --> 0:21:49.200
<v Speaker 3>was like, oh, this is cute. It had like a

0:21:49.240 --> 0:21:51.280
<v Speaker 3>little slide and I'm like, oh, this is like you know,

0:21:51.320 --> 0:21:52.879
<v Speaker 3>it looks like a slide that somebody bought, like for

0:21:52.920 --> 0:21:54.760
<v Speaker 3>their kid. And I'm like, this park is cute, but

0:21:54.800 --> 0:21:57.920
<v Speaker 3>it seems weird that there's a park behind the houses

0:21:58.160 --> 0:21:59.399
<v Speaker 3>because how would anybody reach it?

0:21:59.440 --> 0:22:01.400
<v Speaker 1>Like how did they get to this park? So she's

0:22:01.400 --> 0:22:02.679
<v Speaker 1>looking at the listing and she's.

0:22:02.600 --> 0:22:05.400
<v Speaker 3>Like, wait, I don't think that's a park. I think

0:22:05.400 --> 0:22:07.920
<v Speaker 3>that's that's part of the property. You have a double lot.

0:22:08.200 --> 0:22:10.959
<v Speaker 3>Mandy almost peed my pants. We have a park, like

0:22:11.119 --> 0:22:14.359
<v Speaker 3>literally it's all fenced in, like it's we have a park.

0:22:14.400 --> 0:22:16.960
<v Speaker 3>We have our own park. So like if we have kids,

0:22:16.960 --> 0:22:18.520
<v Speaker 3>if we don't want to go to the park, you

0:22:18.520 --> 0:22:21.200
<v Speaker 3>know up the street. Like here you go in the backyard,

0:22:21.240 --> 0:22:23.520
<v Speaker 3>and the neighbor of the next door neighborhood she came out.

0:22:23.560 --> 0:22:26.200
<v Speaker 3>It was funny because a superman actually knew her. They

0:22:26.240 --> 0:22:27.200
<v Speaker 3>were old coworkers.

0:22:27.600 --> 0:22:29.879
<v Speaker 1>And I asked her and I said, this piece in

0:22:29.920 --> 0:22:30.639
<v Speaker 1>the back is that all?

0:22:30.760 --> 0:22:32.360
<v Speaker 3>She said, yeah, she said if you look next door

0:22:32.359 --> 0:22:34.320
<v Speaker 3>where she lives, she's got a double lot too.

0:22:34.320 --> 0:22:36.320
<v Speaker 1>She said, see all of this back here, she's got

0:22:36.320 --> 0:22:38.560
<v Speaker 1>her own park. And I was like, are you.

0:22:38.840 --> 0:22:40.640
<v Speaker 2>Giving up parks to people in Newark?

0:22:41.040 --> 0:22:44.000
<v Speaker 3>I couldn't believe a double lot. It's basically a quarter

0:22:44.000 --> 0:22:47.120
<v Speaker 3>of an acre, that's how big this property is. What Meanwhile,

0:22:47.200 --> 0:22:51.440
<v Speaker 3>Newark has notoriously low taxes, so like it's like half

0:22:51.440 --> 0:22:53.960
<v Speaker 3>the taxes of the surrounding area. So this house is

0:22:54.000 --> 0:22:56.320
<v Speaker 3>like you don't understand how I've been like, we saw

0:22:56.359 --> 0:22:57.879
<v Speaker 3>the house yesterday.

0:22:58.560 --> 0:22:59.200
<v Speaker 1>Was it yesterday?

0:22:59.359 --> 0:23:02.280
<v Speaker 3>I believe yes today yep, and put an offer in already,

0:23:02.680 --> 0:23:04.639
<v Speaker 3>and like so I've been calling, like I was like

0:23:04.760 --> 0:23:07.840
<v Speaker 3>calling all of my like my team, my lawyer, my

0:23:07.920 --> 0:23:08.639
<v Speaker 3>mortgage person.

0:23:08.680 --> 0:23:09.399
<v Speaker 1>I know they've been annoyed.

0:23:09.400 --> 0:23:10.840
<v Speaker 3>I'm like, I know it's Saturday. I know it's Sunday,

0:23:10.840 --> 0:23:14.160
<v Speaker 3>but honestly, I need this property, Like where are we.

0:23:14.119 --> 0:23:18.800
<v Speaker 1>Going to find this? And so this is how God works.

0:23:18.920 --> 0:23:22.800
<v Speaker 1>If you believe in him and I do, the good thing.

0:23:22.119 --> 0:23:28.200
<v Speaker 2>Is going well exactly. That's my that's my standard. Otherwise

0:23:28.240 --> 0:23:32.879
<v Speaker 2>he ain't real. I don't want any angry emails. I'm fine.

0:23:33.960 --> 0:23:37.520
<v Speaker 1>So this is what this is what we found out.

0:23:37.560 --> 0:23:40.440
<v Speaker 3>So literally, the listing was just opened two days ago,

0:23:40.520 --> 0:23:41.960
<v Speaker 3>so we saw it like on the second or third

0:23:42.000 --> 0:23:44.160
<v Speaker 3>day of that. The listing was open and they're only

0:23:44.200 --> 0:23:48.000
<v Speaker 3>showing the property on Saturdays from eleven to noon. So

0:23:48.080 --> 0:23:51.399
<v Speaker 3>we went and for whatever reason, this was the first

0:23:51.400 --> 0:23:54.000
<v Speaker 3>showing and the person on the third floor and on

0:23:54.040 --> 0:23:56.720
<v Speaker 3>the second floor they weren't available, so we were only

0:23:56.760 --> 0:23:59.840
<v Speaker 3>able to see at first the first floor. And as

0:23:59.880 --> 0:24:01.680
<v Speaker 3>we were leaving, the person I served for it happened

0:24:01.680 --> 0:24:03.399
<v Speaker 3>to like, I guess, come home when we were leaving it,

0:24:03.400 --> 0:24:03.960
<v Speaker 3>and he let us.

0:24:03.880 --> 0:24:06.320
<v Speaker 1>See his apartment. But everyone else that went to go

0:24:06.359 --> 0:24:06.720
<v Speaker 1>see it.

0:24:06.640 --> 0:24:11.399
<v Speaker 3>Because one it's not saying five five bedrooms per unit,

0:24:11.600 --> 0:24:13.640
<v Speaker 3>it's saying five bedrooms total. So a lot of people

0:24:13.680 --> 0:24:16.399
<v Speaker 3>are not going because they're like that's too small. You know,

0:24:16.520 --> 0:24:19.639
<v Speaker 3>So that's one and then two those who did go

0:24:19.720 --> 0:24:22.280
<v Speaker 3>to see it and they're like, whoa, there's five bedrooms

0:24:22.280 --> 0:24:23.879
<v Speaker 3>in this one unit I'm allowed to see.

0:24:24.000 --> 0:24:26.320
<v Speaker 1>They're waiting until next week to see the rest of

0:24:26.359 --> 0:24:26.840
<v Speaker 1>the units.

0:24:26.880 --> 0:24:29.400
<v Speaker 3>We're like, we're not gonna wait because next week it's

0:24:29.400 --> 0:24:31.200
<v Speaker 3>going to be like a bidding war. So I'm trying

0:24:31.240 --> 0:24:33.359
<v Speaker 3>to lock it in. So we put in our offer.

0:24:34.119 --> 0:24:36.160
<v Speaker 3>They basically kind of accepted it, and we're trying to

0:24:36.280 --> 0:24:38.720
<v Speaker 3>push through attorney review, which is like the So what

0:24:38.760 --> 0:24:41.000
<v Speaker 3>happens when you buy a house. You see it, you

0:24:41.040 --> 0:24:43.560
<v Speaker 3>love it, You tell your your realtor, I want to

0:24:43.560 --> 0:24:45.840
<v Speaker 3>make an offer. So even before that, you should have

0:24:45.920 --> 0:24:47.840
<v Speaker 3>your financing in place. So you find a bank that

0:24:47.880 --> 0:24:49.560
<v Speaker 3>you want to work with, and they give you what's

0:24:49.600 --> 0:24:52.800
<v Speaker 3>called a pre qualification letter, which basically the bank saying

0:24:53.280 --> 0:24:55.840
<v Speaker 3>Tiffany's good, if she finds a house, we're going to

0:24:55.920 --> 0:24:58.239
<v Speaker 3>give her money up to this amount of money. And

0:24:58.280 --> 0:25:02.320
<v Speaker 3>typically the pre file pre free qualification letter you match

0:25:02.320 --> 0:25:04.719
<v Speaker 3>it to the house. So if the house is two fifty,

0:25:04.760 --> 0:25:08.240
<v Speaker 3>the bank will create a letter specifically for that house saying, yes,

0:25:08.280 --> 0:25:11.040
<v Speaker 3>we'll give Tiffany too fifty and if we find a

0:25:11.040 --> 0:25:13.680
<v Speaker 3>different house. Yes, we'll give you money for up to

0:25:13.720 --> 0:25:16.159
<v Speaker 3>two seventy nine whatever it is that your income and

0:25:16.200 --> 0:25:16.880
<v Speaker 3>stuff will bear.

0:25:17.119 --> 0:25:18.760
<v Speaker 1>The bank will create a letter.

0:25:18.600 --> 0:25:21.160
<v Speaker 3>Specifically for whatever house you're interested in. So every time

0:25:21.200 --> 0:25:23.159
<v Speaker 3>you see a house, you have to call your mortgage

0:25:23.160 --> 0:25:25.720
<v Speaker 3>person if you're interested, for them to create a new letter. Meanwhile,

0:25:25.760 --> 0:25:29.119
<v Speaker 3>this is Saturday. I text David, I emailed him, I

0:25:29.160 --> 0:25:31.800
<v Speaker 3>called him. He got my letter within ten minutes. I

0:25:31.800 --> 0:25:34.080
<v Speaker 3>send it to the mortgage person. She said it to them.

0:25:34.200 --> 0:25:38.280
<v Speaker 3>She said it to the buyer's agent and they were like, okay,

0:25:38.520 --> 0:25:39.800
<v Speaker 3>you know, like you know, it's full.

0:25:39.840 --> 0:25:40.679
<v Speaker 1>It's a full offer.

0:25:41.040 --> 0:25:44.240
<v Speaker 3>So you know, the next step really is my attorney

0:25:44.280 --> 0:25:49.240
<v Speaker 3>tomorrow is going to review and submit to say you

0:25:49.280 --> 0:25:53.399
<v Speaker 3>know that yes Tiffany will Superman will buy this house

0:25:53.480 --> 0:25:56.240
<v Speaker 3>pending there's no lead, there's no you know, just basic

0:25:56.280 --> 0:25:58.520
<v Speaker 3>things that you want to put inside the letter. And

0:25:58.560 --> 0:26:01.119
<v Speaker 3>so if they accept that and woo who on you.

0:26:01.560 --> 0:26:05.080
<v Speaker 3>Once you exit attorney review, they can't take in any offers.

0:26:05.160 --> 0:26:07.280
<v Speaker 3>So right now we're in a very iffy place because

0:26:07.600 --> 0:26:10.840
<v Speaker 3>they can still take offers, but not too many people

0:26:10.840 --> 0:26:12.359
<v Speaker 3>wanted to make an offer because they didn't get to

0:26:12.359 --> 0:26:14.440
<v Speaker 3>see the rest of the house. They're waiting until next week.

0:26:14.680 --> 0:26:17.200
<v Speaker 3>So if we can lock this up before Friday, it's

0:26:17.240 --> 0:26:21.639
<v Speaker 3>our house. So that's like, I know, I feel like it's.

0:26:21.520 --> 0:26:22.880
<v Speaker 1>Like like who wants to be a millionaire?

0:26:22.880 --> 0:26:25.200
<v Speaker 3>And I'm like, e so like, which is crazy because

0:26:25.200 --> 0:26:27.359
<v Speaker 3>tomorrow I go take the reel on Tuesday, and so

0:26:27.400 --> 0:26:29.240
<v Speaker 3>I'm like, gonna be on a plane for six hours.

0:26:29.240 --> 0:26:30.640
<v Speaker 1>So I'm like, so many gets, so many things can

0:26:30.680 --> 0:26:32.000
<v Speaker 1>happen in six hours.

0:26:32.200 --> 0:26:34.080
<v Speaker 2>You know, it's Wi Fi on planes, I know.

0:26:34.680 --> 0:26:36.160
<v Speaker 1>So I'm like, I'm buying it for the first time.

0:26:36.160 --> 0:26:39.359
<v Speaker 3>My cheek behind is gonna get it, and so yeah,

0:26:39.359 --> 0:26:42.480
<v Speaker 3>so now we're just I'm just waiting to see what

0:26:42.520 --> 0:26:44.640
<v Speaker 3>the other side would say. And so it's such such

0:26:44.680 --> 0:26:48.280
<v Speaker 3>a great learning lesson my My realtor came to me today.

0:26:48.359 --> 0:26:50.600
<v Speaker 3>She knows I really want it, and she said, Okay,

0:26:51.119 --> 0:26:55.199
<v Speaker 3>here's what could possibly happen. Somebody could say, Okay, instead

0:26:55.200 --> 0:26:57.800
<v Speaker 3>of two thirty nine the asking price, we'll give you

0:26:57.800 --> 0:27:00.440
<v Speaker 3>two forty two. So she said, what what you can

0:27:00.440 --> 0:27:03.000
<v Speaker 3>do to combat that? Is say, she said, you can

0:27:03.040 --> 0:27:05.480
<v Speaker 3>add an addendum to your offer, and the offer would

0:27:05.520 --> 0:27:08.600
<v Speaker 3>say if somebody comes to you with a higher price,

0:27:09.160 --> 0:27:13.440
<v Speaker 3>we will exceed it by one thousand dollars automatically up

0:27:13.480 --> 0:27:16.520
<v Speaker 3>to this amount. So today, that's what I have to

0:27:16.560 --> 0:27:18.760
<v Speaker 3>decide tonight before we got on and take.

0:27:19.160 --> 0:27:22.359
<v Speaker 2>Doesn't that make them want to get another? Like, doesn't

0:27:22.359 --> 0:27:23.879
<v Speaker 2>that make them want to start a bedding more a

0:27:23.880 --> 0:27:24.320
<v Speaker 2>little bit?

0:27:25.000 --> 0:27:28.000
<v Speaker 1>Well, they're risthic there is. So that's the risk. The

0:27:28.040 --> 0:27:31.480
<v Speaker 1>good thing is is that they can't. They can't say, hey,

0:27:31.520 --> 0:27:31.959
<v Speaker 1>we got to all.

0:27:32.000 --> 0:27:35.000
<v Speaker 3>They have to show us the other person's offer, like

0:27:35.040 --> 0:27:37.919
<v Speaker 3>someone has to come and say yes, and they have

0:27:38.000 --> 0:27:40.320
<v Speaker 3>to show us the official offer to say this person

0:27:40.440 --> 0:27:43.600
<v Speaker 3>actually put in for two forty five. So I my

0:27:44.040 --> 0:27:47.200
<v Speaker 3>task was to go to my mortgage guid and I

0:27:47.200 --> 0:27:48.879
<v Speaker 3>felt so bad. It was like Sunday night. So I

0:27:48.880 --> 0:27:51.720
<v Speaker 3>was like, hey, David, so the house is two thirty

0:27:51.800 --> 0:27:54.120
<v Speaker 3>nine right now, and that means our mortgage is two

0:27:54.160 --> 0:27:57.720
<v Speaker 3>thousand right now. The house is making twenty five hundred

0:27:57.720 --> 0:27:59.639
<v Speaker 3>dollars a month at the very least, we want to

0:27:59.640 --> 0:28:02.400
<v Speaker 3>break even, no, no, no money out of our pocket

0:28:02.440 --> 0:28:05.399
<v Speaker 3>every month? How much house can we buy up to

0:28:05.440 --> 0:28:09.120
<v Speaker 3>twenty five hundred? And he was like, honestly, the house

0:28:09.200 --> 0:28:12.480
<v Speaker 3>is two thirty nine at if the house was to seventy,

0:28:12.880 --> 0:28:14.320
<v Speaker 3>your mortgage would be twenty.

0:28:14.040 --> 0:28:16.200
<v Speaker 1>Two hundred a month, And I said, oh, I was

0:28:16.240 --> 0:28:18.040
<v Speaker 1>actually surprised. I didn't know you could go that high.

0:28:18.240 --> 0:28:20.400
<v Speaker 3>So I said, okay, so that's our new MAX said,

0:28:20.560 --> 0:28:24.160
<v Speaker 3>So I gave Adrian permission that up to two seventy

0:28:25.040 --> 0:28:30.679
<v Speaker 3>she can that Adria my agent, Diana, I gave her

0:28:30.720 --> 0:28:34.320
<v Speaker 3>permission that up to two seventy we can match and

0:28:34.400 --> 0:28:37.479
<v Speaker 3>exceed one hundred dollars by someone else's bid, because what

0:28:37.480 --> 0:28:40.520
<v Speaker 3>that does is automatically they have to go with us. Like,

0:28:40.720 --> 0:28:43.200
<v Speaker 3>so basically, I want this house because it's worth it,

0:28:43.480 --> 0:28:46.560
<v Speaker 3>because it's already below market. Honestly, Mandy, when I looked

0:28:46.600 --> 0:28:49.800
<v Speaker 3>online to get tell anybody I know, I just like, well,

0:28:49.840 --> 0:28:51.480
<v Speaker 3>they don't know where it is. But like, when I

0:28:51.520 --> 0:28:54.720
<v Speaker 3>looked online, the house, according to Zillo and Trulia, is

0:28:54.760 --> 0:28:57.640
<v Speaker 3>worth about three hundred and fourteen thousand dollars. So already,

0:28:57.720 --> 0:28:59.959
<v Speaker 3>even if we get it for two seventy, it's still

0:29:00.120 --> 0:29:02.560
<v Speaker 3>built in equity. So I'm like, I'm willing to pay

0:29:02.720 --> 0:29:05.600
<v Speaker 3>up to two seventy, you know, and still we still

0:29:05.600 --> 0:29:07.800
<v Speaker 3>would not Instead of making five hundred dollars a month,

0:29:07.960 --> 0:29:10.160
<v Speaker 3>we would make three hundred because our mortgage would be

0:29:10.240 --> 0:29:12.480
<v Speaker 3>twenty two and our income would be twenty five and

0:29:12.520 --> 0:29:14.760
<v Speaker 3>we would live rent free. So either way it's a

0:29:14.800 --> 0:29:17.160
<v Speaker 3>win win win. So y'all stay a prayer that by

0:29:17.200 --> 0:29:19.280
<v Speaker 3>the time we come live, I'm like, I got a house, y'all,

0:29:19.480 --> 0:29:21.720
<v Speaker 3>we make him money. And you know from the air,

0:29:21.720 --> 0:29:23.800
<v Speaker 3>this is the beginning stept for Superman to get the

0:29:23.840 --> 0:29:25.200
<v Speaker 3>next one and the next one and the next one

0:29:25.320 --> 0:29:27.520
<v Speaker 3>and hopefully turned this into a business for himself so

0:29:27.760 --> 0:29:29.040
<v Speaker 3>he can have more time freedom.

0:29:29.320 --> 0:29:31.760
<v Speaker 2>And that's the idea for like any repairs and stuff

0:29:31.760 --> 0:29:33.880
<v Speaker 2>that is Superman like, is that the plan that he'll

0:29:33.920 --> 0:29:36.280
<v Speaker 2>be able to handle whatever if it needs work or

0:29:36.320 --> 0:29:37.480
<v Speaker 2>whatever exactly.

0:29:37.520 --> 0:29:40.280
<v Speaker 3>So that's the benefit too, that anything next level that

0:29:40.320 --> 0:29:42.280
<v Speaker 3>he doesn't know how to do because he works in

0:29:42.320 --> 0:29:44.960
<v Speaker 3>that industry. He's got a guy, you know, so he's

0:29:44.960 --> 0:29:46.840
<v Speaker 3>always like all my friends call him, like, he's the

0:29:46.880 --> 0:29:49.440
<v Speaker 3>guy that my friends call when they're like, does Superman know.

0:29:49.480 --> 0:29:51.280
<v Speaker 1>Somebody for you know, next level plumbing?

0:29:51.320 --> 0:29:53.680
<v Speaker 3>He knows a guy. And so that's what makes me

0:29:53.800 --> 0:29:55.960
<v Speaker 3>very comfortable because people don't want to be landlords because

0:29:55.960 --> 0:29:58.080
<v Speaker 3>they worry about that piece. And that's the piece for us.

0:29:58.120 --> 0:29:59.080
<v Speaker 3>That's already taken care of.

0:30:00.000 --> 0:30:04.040
<v Speaker 2>Here's my technical question. How are you guys doing the mortgage?

0:30:04.080 --> 0:30:05.600
<v Speaker 2>Are you both on it or is one of you

0:30:05.680 --> 0:30:06.760
<v Speaker 2>on it? How are you discussing?

0:30:07.400 --> 0:30:09.440
<v Speaker 3>So because I had a foreclosure, I think this is

0:30:09.440 --> 0:30:11.880
<v Speaker 3>the year my foreclosure falls off, So technically I can't

0:30:11.920 --> 0:30:14.480
<v Speaker 3>qualify for a mortgage. So what I did when I

0:30:14.480 --> 0:30:16.200
<v Speaker 3>first started dating him. You know how women were always

0:30:16.200 --> 0:30:17.640
<v Speaker 3>planning in events like we're getting married.

0:30:17.640 --> 0:30:18.920
<v Speaker 1>You just don't know it yet. I know, I just

0:30:18.960 --> 0:30:19.240
<v Speaker 1>met you.

0:30:20.560 --> 0:30:24.000
<v Speaker 3>So when I first met him, within the first six months,

0:30:24.080 --> 0:30:25.880
<v Speaker 3>I taught him how to raise his credit score from

0:30:25.920 --> 0:30:28.320
<v Speaker 3>like a six twenty to a seven fifty, which is excellent.

0:30:28.840 --> 0:30:31.680
<v Speaker 3>And then I showed him how to automatically save, so

0:30:32.080 --> 0:30:34.840
<v Speaker 3>his paycheck that he gets gets split in like three

0:30:34.920 --> 0:30:39.400
<v Speaker 3>or four ways. Money goes into his daughter's college fund,

0:30:39.760 --> 0:30:42.440
<v Speaker 3>money goes into like a savings account for him, and

0:30:42.480 --> 0:30:45.680
<v Speaker 3>now money goes into what's our joint joint savings account

0:30:45.720 --> 0:30:48.240
<v Speaker 3>for the house. And so he's been saving, saving and saving,

0:30:49.120 --> 0:30:51.880
<v Speaker 3>and so so his credit is good. He's worked at

0:30:51.880 --> 0:30:54.880
<v Speaker 3>his job for like sixteen years. He makes you know, enough,

0:30:55.320 --> 0:30:57.280
<v Speaker 3>and he's got the money saved that he's been saving

0:30:57.320 --> 0:31:01.000
<v Speaker 3>for three years. So it's really this this his name

0:31:01.040 --> 0:31:03.120
<v Speaker 3>will go on and he can add me to the deed,

0:31:03.400 --> 0:31:04.240
<v Speaker 3>but I can't go on.

0:31:04.360 --> 0:31:06.479
<v Speaker 1>Financially, I can't go on. And so what we did

0:31:06.680 --> 0:31:07.440
<v Speaker 1>was we looked around.

0:31:07.440 --> 0:31:10.240
<v Speaker 3>So if you're brown, which you know brown ambition, there's

0:31:10.240 --> 0:31:13.440
<v Speaker 3>a bank called M and T Bank that around.

0:31:13.560 --> 0:31:15.520
<v Speaker 2>Are they only Are they only in this region?

0:31:16.040 --> 0:31:18.360
<v Speaker 3>I don't know, Honestly, you should google to see because

0:31:18.480 --> 0:31:21.200
<v Speaker 3>M and T Bank the government is forcing them because

0:31:21.200 --> 0:31:26.320
<v Speaker 3>they they they participated in some discriminatory practices against Latino

0:31:26.400 --> 0:31:30.520
<v Speaker 3>and people are black people, and as a result, the

0:31:30.560 --> 0:31:32.440
<v Speaker 3>government is forcing them to give money to us. So

0:31:32.560 --> 0:31:34.720
<v Speaker 3>M ANDT Bank is going to give us money. I

0:31:34.800 --> 0:31:37.479
<v Speaker 3>know they're gonna give us money up to six percent

0:31:37.600 --> 0:31:39.800
<v Speaker 3>of the loan amount. So it's about we're gonna get

0:31:39.800 --> 0:31:42.880
<v Speaker 3>about fourteen thousand dollars from M ANDT Bank of just

0:31:42.960 --> 0:31:45.160
<v Speaker 3>money toward the house, so you can put it toward

0:31:45.160 --> 0:31:47.840
<v Speaker 3>the down payment, you can put it toward closing costs,

0:31:47.880 --> 0:31:50.640
<v Speaker 3>whatever it is. Six percent of the maxim they'll give

0:31:50.680 --> 0:31:53.920
<v Speaker 3>you about nineteen thousand dollars in total. And so that's

0:31:53.920 --> 0:31:55.640
<v Speaker 3>why we decided to get our mortgage through them. So

0:31:55.640 --> 0:31:57.880
<v Speaker 3>we can get that free money. Basically you have to.

0:31:58.160 --> 0:32:00.440
<v Speaker 3>The only caveat is with MT Bank as long as

0:32:00.440 --> 0:32:02.160
<v Speaker 3>it's in your area, is that you have to live

0:32:02.160 --> 0:32:04.960
<v Speaker 3>in an area where it's over fifty percent people of color.

0:32:06.240 --> 0:32:07.680
<v Speaker 2>Check that box anywork? Pretty sure?

0:32:07.760 --> 0:32:12.200
<v Speaker 3>Yeah, basically, I'm exactly because I know so imagine all

0:32:12.240 --> 0:32:14.240
<v Speaker 3>of this, and even though like our down payment because

0:32:14.240 --> 0:32:16.640
<v Speaker 3>we're doing a three point five percent down payment because

0:32:16.640 --> 0:32:18.920
<v Speaker 3>it's an fah loan, it's like a little over eight

0:32:18.920 --> 0:32:21.560
<v Speaker 3>thousand dollars, but honestly, technically nothing out of pocket because

0:32:21.600 --> 0:32:23.400
<v Speaker 3>as far as the down payment, I don't know how

0:32:23.440 --> 0:32:25.080
<v Speaker 3>much closing costs will be. I'll let you guys know

0:32:25.080 --> 0:32:27.120
<v Speaker 3>how much they end up being, but we might only

0:32:27.200 --> 0:32:28.920
<v Speaker 3>end up coming out of pocket for all of this,

0:32:29.120 --> 0:32:31.720
<v Speaker 3>like maybe a couple of thousand dollars to have a

0:32:31.760 --> 0:32:34.440
<v Speaker 3>house and not having to pay a mortgage. Isn't that crazy?

0:32:35.320 --> 0:32:37.640
<v Speaker 2>That is especially since like this has been like a

0:32:37.720 --> 0:32:41.440
<v Speaker 2>roller coaster for me, just as listeners, because like two

0:32:41.480 --> 0:32:44.240
<v Speaker 2>weeks ago, you're like, I'm not getting an incompaverity anymore.

0:32:44.240 --> 0:32:47.760
<v Speaker 1>It's hard, no, but it's been such a roller coaster.

0:32:47.840 --> 0:32:49.000
<v Speaker 1>That's so I'm glad that I'm.

0:32:48.880 --> 0:32:52.720
<v Speaker 2>Sharing I am cautiously optimistic. Yeahsing my fingers. I hope

0:32:52.720 --> 0:32:54.200
<v Speaker 2>it all works out. It sounds amazing.

0:32:54.640 --> 0:32:56.320
<v Speaker 1>Yeah, so I guess you know they're selling it.

0:32:56.520 --> 0:32:58.479
<v Speaker 3>Who knows how much money they put into it, but

0:32:58.520 --> 0:33:01.240
<v Speaker 3>obviously they're probably gonna make honestly, probably one hundred thousand

0:33:01.240 --> 0:33:02.080
<v Speaker 3>dollars on this house.

0:33:02.560 --> 0:33:06.440
<v Speaker 2>Okay, Okay, interesting, Okay, I have a thousand more questions,

0:33:06.480 --> 0:33:11.240
<v Speaker 2>but yeah, so right up next, because I just well, well,

0:33:11.440 --> 0:33:13.760
<v Speaker 2>I'll ask the big question is what kind of rate

0:33:13.800 --> 0:33:16.440
<v Speaker 2>did he qualify for if you don't mind sharing? And

0:33:16.880 --> 0:33:18.400
<v Speaker 2>have you locked in the rate and how that kind

0:33:18.400 --> 0:33:20.000
<v Speaker 2>of all works because people always want to know when

0:33:20.120 --> 0:33:20.840
<v Speaker 2>you lost in the rate.

0:33:21.200 --> 0:33:23.480
<v Speaker 3>So the rate doesn't get locked in until the offer

0:33:23.640 --> 0:33:26.840
<v Speaker 3>is fully accepted, meaning like you, so once you leave

0:33:26.920 --> 0:33:30.600
<v Speaker 3>attorney review, So when you make an offer, they can

0:33:30.720 --> 0:33:33.720
<v Speaker 3>accept it, but it doesn't mean they can't accept other offers.

0:33:33.800 --> 0:33:34.760
<v Speaker 1>So what happens is.

0:33:34.720 --> 0:33:37.680
<v Speaker 3>You make an offer, they say, Okay, this seems cool.

0:33:38.040 --> 0:33:40.920
<v Speaker 3>Then their attorney and your attorney basically go back and forth,

0:33:40.960 --> 0:33:43.320
<v Speaker 3>and my attorney might say, well, we want to put

0:33:43.360 --> 0:33:44.920
<v Speaker 3>a clause in there that says that there's lead pain,

0:33:45.040 --> 0:33:46.760
<v Speaker 3>y'all got to pay for this and we want to

0:33:46.760 --> 0:33:48.680
<v Speaker 3>put a clause in there it says it has to

0:33:48.760 --> 0:33:50.959
<v Speaker 3>be a legal three family, because what if it's not,

0:33:51.040 --> 0:33:53.080
<v Speaker 3>and then I can't run out the top space legally,

0:33:53.160 --> 0:33:55.640
<v Speaker 3>So my attorney will want all these clauses, or like

0:33:55.680 --> 0:33:58.959
<v Speaker 3>if the if the inspection comes back and there's you know,

0:33:59.120 --> 0:34:01.800
<v Speaker 3>like there I don't know, you know, an oil.

0:34:01.560 --> 0:34:03.200
<v Speaker 1>Tank in the ground that needs to be removed.

0:34:03.280 --> 0:34:05.480
<v Speaker 3>So she's gonna put all these clauses and their attorney

0:34:05.520 --> 0:34:07.200
<v Speaker 3>is going to go They're gonna go back and forth.

0:34:07.360 --> 0:34:11.320
<v Speaker 3>We're basically that's attorneys reviewing the contract back and forth

0:34:11.520 --> 0:34:14.040
<v Speaker 3>once they come to an agreement and both sides say, yes,

0:34:14.400 --> 0:34:17.120
<v Speaker 3>we like what this legal agreement is saying about the

0:34:17.160 --> 0:34:20.200
<v Speaker 3>contingencies about buying this house. Once you leave attorney review,

0:34:20.680 --> 0:34:23.319
<v Speaker 3>you are officially in contract and you can lock in

0:34:23.320 --> 0:34:25.239
<v Speaker 3>that rate. So our rate is about four percent right now.

0:34:25.239 --> 0:34:27.879
<v Speaker 3>This is what the this is what the standard rate

0:34:28.000 --> 0:34:30.040
<v Speaker 3>is like. This is the lowest rate right now anyway

0:34:30.080 --> 0:34:32.480
<v Speaker 3>that you can get if you have excellent credit and

0:34:32.560 --> 0:34:35.560
<v Speaker 3>excellent it is seven forty or above. So it's about

0:34:35.600 --> 0:34:37.480
<v Speaker 3>four percent. But the rates are only going up, so

0:34:37.600 --> 0:34:40.120
<v Speaker 3>literally it's four percent today. We might lock it it

0:34:40.160 --> 0:34:43.480
<v Speaker 3>might be four point two so right now, but we're yeah,

0:34:43.480 --> 0:34:45.920
<v Speaker 3>we're not locked into a rate right now. Until you

0:34:46.000 --> 0:34:47.799
<v Speaker 3>have an official contract and you're locked in I think

0:34:47.840 --> 0:34:50.760
<v Speaker 3>for about like thirty days or I'll find that exactly

0:34:50.800 --> 0:34:52.759
<v Speaker 3>how long you lock in your rate. But yeah, right now,

0:34:52.760 --> 0:34:54.799
<v Speaker 3>our rate is not locked in. So it's like yay,

0:34:55.000 --> 0:34:56.880
<v Speaker 3>It's like pins and needles because you're like, well, what

0:34:56.960 --> 0:34:59.279
<v Speaker 3>if Because in this moment, right now, until we leave

0:34:59.320 --> 0:35:02.520
<v Speaker 3>attorney review, anybody can make a offer, gotcha, And so

0:35:02.560 --> 0:35:04.560
<v Speaker 3>we're just like somebody can come and say we want

0:35:04.560 --> 0:35:06.640
<v Speaker 3>to pay two fifty that's why we put the adendem

0:35:06.680 --> 0:35:08.920
<v Speaker 3>in today. Well up till two seventy we're willing to

0:35:08.960 --> 0:35:11.640
<v Speaker 3>pay two fifty one to fifty two. It's like you know,

0:35:12.160 --> 0:35:14.080
<v Speaker 3>and so, I mean, I have a good feeling about

0:35:14.120 --> 0:35:15.960
<v Speaker 3>it because now that we're adding this addendum.

0:35:15.640 --> 0:35:19.160
<v Speaker 2>It sounds like perfect. It sounds like if it doesn't

0:35:19.160 --> 0:35:20.719
<v Speaker 2>work out, then there probably isn't a God.

0:35:20.840 --> 0:35:24.000
<v Speaker 1>I feel, yeah, God, God, Mandy said that I did it.

0:35:26.280 --> 0:35:30.719
<v Speaker 2>I'm feeling really really heathen is today. So I want

0:35:30.760 --> 0:35:32.239
<v Speaker 2>to say one thing real quick. I want to back

0:35:32.280 --> 0:35:34.319
<v Speaker 2>up because I love one thing that you did, which

0:35:34.320 --> 0:35:36.480
<v Speaker 2>is exactly what we did. We were shopping for an apartment.

0:35:36.520 --> 0:35:39.839
<v Speaker 2>Even is you kind of work the opposite of most

0:35:39.840 --> 0:35:41.560
<v Speaker 2>people when they buy a house or look for an

0:35:41.560 --> 0:35:43.600
<v Speaker 2>apartment or whatever. It's like, oh, what's the most I

0:35:43.640 --> 0:35:46.440
<v Speaker 2>can get for, Like, how what's the biggest loan? And

0:35:46.440 --> 0:35:49.279
<v Speaker 2>then I'll shop backwards from there. But you you were like,

0:35:49.360 --> 0:35:52.040
<v Speaker 2>here's what I can afford. How much of a mortgage

0:35:52.120 --> 0:35:54.080
<v Speaker 2>can I get to where I can still afford my

0:35:54.120 --> 0:35:56.040
<v Speaker 2>monthly payments? And I think a lot of people don't

0:35:56.080 --> 0:35:59.640
<v Speaker 2>do that, and it's especially important now because you know,

0:35:59.680 --> 0:36:01.720
<v Speaker 2>to kind of bring it back to Lord Voldemort's salary.

0:36:02.480 --> 0:36:04.279
<v Speaker 2>But everyone sort of I mean, you may not know

0:36:04.320 --> 0:36:06.400
<v Speaker 2>what Dodd Frank is, but people are talking about how

0:36:06.440 --> 0:36:10.160
<v Speaker 2>Trump wants to roll back Dodd Frank legislation, and just

0:36:10.200 --> 0:36:12.400
<v Speaker 2>to do like a quick explainer on what that is.

0:36:12.440 --> 0:36:15.680
<v Speaker 2>So Dodd Frank regulations went into effect after the recession,

0:36:15.719 --> 0:36:19.200
<v Speaker 2>after the subprime mortgage lending crisis, and you know, millions

0:36:19.239 --> 0:36:23.040
<v Speaker 2>of homeowners lost their houses and were underwater on their houses.

0:36:23.040 --> 0:36:25.120
<v Speaker 2>It was a big mess because banks at the time

0:36:25.480 --> 0:36:29.240
<v Speaker 2>were lending all willy nilly to people, giving people huge

0:36:29.239 --> 0:36:32.680
<v Speaker 2>mortgages they could never afford and lying about the people's

0:36:32.760 --> 0:36:35.680
<v Speaker 2>income or leaving their income blank on their mortgage applications,

0:36:35.719 --> 0:36:38.479
<v Speaker 2>and it was the bank's fault, but it was also

0:36:38.520 --> 0:36:41.080
<v Speaker 2>like five percent the person's fault for like, you know,

0:36:41.160 --> 0:36:44.880
<v Speaker 2>believing that they could afford this crazy house. And so

0:36:44.880 --> 0:36:46.880
<v Speaker 2>I think it's really important now as Trump plans to

0:36:46.960 --> 0:36:49.440
<v Speaker 2>roll back these legislations on banks that made it a

0:36:49.480 --> 0:36:52.719
<v Speaker 2>lot tougher. Basically what Dodd Frank did it created the

0:36:52.760 --> 0:36:55.720
<v Speaker 2>Consumer Financial Protection Bureau, which is an agency that's cracked

0:36:55.760 --> 0:37:01.160
<v Speaker 2>down on tons of financial businesses, from mortgage lenders to

0:37:01.480 --> 0:37:05.960
<v Speaker 2>payday loans to prepaid debit cards. They created the CFPB,

0:37:06.480 --> 0:37:08.239
<v Speaker 2>and it also made it a lot harder for like

0:37:08.280 --> 0:37:11.520
<v Speaker 2>banks to make easy, easy mortgage loans to people. Okay,

0:37:12.760 --> 0:37:14.919
<v Speaker 2>So I feel like it's really important for people now,

0:37:14.960 --> 0:37:17.239
<v Speaker 2>like if if they do roll back these regulations, all

0:37:17.280 --> 0:37:19.120
<v Speaker 2>like the sort of the kiddie wheels are coming off

0:37:19.160 --> 0:37:21.160
<v Speaker 2>again and it's going to be a lot easier, I think,

0:37:21.200 --> 0:37:24.760
<v Speaker 2>for people to get sold huge mortgages they can afford.

0:37:24.880 --> 0:37:27.880
<v Speaker 2>So it's it's even more important to like go in

0:37:27.920 --> 0:37:31.640
<v Speaker 2>there and know know your numbers, and like don't listen

0:37:31.640 --> 0:37:34.080
<v Speaker 2>to what the bank person says, because it's the interest

0:37:34.440 --> 0:37:37.040
<v Speaker 2>to sell you the most faddest loan possible for the

0:37:37.080 --> 0:37:39.839
<v Speaker 2>longest term, you know, with the highest highest interest rate.

0:37:40.920 --> 0:37:42.799
<v Speaker 2>So I just want to say that real quick, and

0:37:42.920 --> 0:37:46.279
<v Speaker 2>shopping for a good rate and and knowing what you

0:37:46.320 --> 0:37:48.480
<v Speaker 2>can afford, all that's really important because you don't you

0:37:48.520 --> 0:37:51.000
<v Speaker 2>can't trust that the bank officer is going to be,

0:37:52.120 --> 0:37:54.520
<v Speaker 2>you know, looking out for your best interests, because how

0:37:54.560 --> 0:37:55.120
<v Speaker 2>often are they?

0:37:55.120 --> 0:37:57.720
<v Speaker 3>Honestly, So take a first time home boyers class. Honestly,

0:37:57.760 --> 0:37:59.640
<v Speaker 3>that to me, that was when I bought my first day.

0:37:59.640 --> 0:38:00.600
<v Speaker 1>It was really helpful.

0:38:00.880 --> 0:38:02.680
<v Speaker 3>Like even though I took one before and I bought

0:38:02.680 --> 0:38:05.280
<v Speaker 3>a property before, there was so much new stuff. Mandy, Honestly,

0:38:05.320 --> 0:38:08.560
<v Speaker 3>I'm like, I don't remember this, you know. So taking

0:38:08.600 --> 0:38:10.840
<v Speaker 3>a first time home buyers class would be also really

0:38:10.880 --> 0:38:13.440
<v Speaker 3>helpful because there's so many nuances that you're like, so

0:38:13.480 --> 0:38:17.120
<v Speaker 3>what happens next? And having a team if I knowing

0:38:17.160 --> 0:38:20.160
<v Speaker 3>what I know now. One, take a for first time

0:38:20.200 --> 0:38:22.200
<v Speaker 3>home buyers class. Make sure you have your budget tight.

0:38:22.360 --> 0:38:24.640
<v Speaker 3>You've already been working on your credit and your savings plan.

0:38:24.920 --> 0:38:26.280
<v Speaker 3>This is all before even searching.

0:38:26.719 --> 0:38:29.759
<v Speaker 1>And then two having your team in place, like a

0:38:29.800 --> 0:38:32.880
<v Speaker 1>really great realtor that comes highly recommended. I had a

0:38:32.880 --> 0:38:35.120
<v Speaker 1>real tlor. At first, she wasn't that great. She was nice,

0:38:35.160 --> 0:38:35.919
<v Speaker 1>but wasn't that great.

0:38:36.760 --> 0:38:38.799
<v Speaker 3>And then so I got I got recommendations from her,

0:38:38.920 --> 0:38:42.279
<v Speaker 3>from people knew had just purchased a house, even my lawyer.

0:38:42.400 --> 0:38:43.719
<v Speaker 1>Last night, I was gonna.

0:38:43.480 --> 0:38:44.799
<v Speaker 3>Go with the lawyer that I used for my first

0:38:44.840 --> 0:38:48.000
<v Speaker 3>house ten years ago, and I left him a message.

0:38:48.920 --> 0:38:51.080
<v Speaker 1>I called, but you know it's Sunday. It's Saturday.

0:38:51.440 --> 0:38:53.680
<v Speaker 3>So I called my friend who was an actual lawyer,

0:38:53.680 --> 0:38:56.680
<v Speaker 3>and I said, hey, Mikaela, you just bought a house.

0:38:56.719 --> 0:38:58.239
<v Speaker 3>I know you're not a real estate lawyer, but who

0:38:58.280 --> 0:39:00.399
<v Speaker 3>did you use? Because who better than tell you who's

0:39:00.400 --> 0:39:02.640
<v Speaker 3>a good lawyer than a lawyer? And she told me, oh,

0:39:02.760 --> 0:39:04.400
<v Speaker 3>I use a friend of mine Sharing, she's a real

0:39:04.480 --> 0:39:07.320
<v Speaker 3>estate lawyer. I called Sharon. Ten minutes after that, Sharon

0:39:07.360 --> 0:39:08.879
<v Speaker 3>picked up. I've been on the phone with Shared four

0:39:08.920 --> 0:39:13.120
<v Speaker 3>times over this weekend. And you want a great team.

0:39:13.200 --> 0:39:15.480
<v Speaker 3>So you want your real estate agent, you want a

0:39:15.520 --> 0:39:18.480
<v Speaker 3>great lawyer. You're gonna want a really great inspection person.

0:39:18.520 --> 0:39:20.920
<v Speaker 3>So these are people that have to be on your team.

0:39:21.239 --> 0:39:23.240
<v Speaker 3>And what you don't want is they all are working

0:39:23.280 --> 0:39:26.120
<v Speaker 3>with each other, like meaning like I don't want my

0:39:26.160 --> 0:39:28.080
<v Speaker 3>real estate agent to tell me what lawyer. No, I

0:39:28.120 --> 0:39:29.880
<v Speaker 3>want to find my own. They should all be working

0:39:29.920 --> 0:39:32.960
<v Speaker 3>for you, not for each other. So you're you're a

0:39:33.000 --> 0:39:36.200
<v Speaker 3>real estate lawyer, should not be the person that you're

0:39:36.640 --> 0:39:40.480
<v Speaker 3>your inspector suggested to you. They should be separate entities,

0:39:40.480 --> 0:39:42.680
<v Speaker 3>so you know, so that way you know that, not

0:39:42.719 --> 0:39:44.240
<v Speaker 3>to say that the people are going to be in cahoots,

0:39:44.239 --> 0:39:47.799
<v Speaker 3>but just to kind of protect yourself against that. But yeah,

0:39:47.840 --> 0:39:50.319
<v Speaker 3>some of the team members are that A mortgage person

0:39:50.360 --> 0:39:52.960
<v Speaker 3>that's very responsive. You know my mortgage person, I mean

0:39:52.960 --> 0:39:54.880
<v Speaker 3>he's off and then Monday he has off. But I've

0:39:54.880 --> 0:39:57.239
<v Speaker 3>been texting David all night and he's been on it,

0:39:57.440 --> 0:39:59.759
<v Speaker 3>sending me my pre qualification letter when I needed it.

0:40:00.120 --> 0:40:02.040
<v Speaker 3>So that's you know, that's going to be critical. Or

0:40:02.160 --> 0:40:05.359
<v Speaker 3>do these people move for you? Because if not, if

0:40:05.400 --> 0:40:08.600
<v Speaker 3>David waited till Tuesday, the house might be gone then

0:40:08.680 --> 0:40:11.080
<v Speaker 3>what And so yeah, so that I mean I think

0:40:11.120 --> 0:40:12.560
<v Speaker 3>that if you guys have any house, I feel like

0:40:12.600 --> 0:40:14.640
<v Speaker 3>we did we did Today's tips through this, but if

0:40:14.640 --> 0:40:16.319
<v Speaker 3>you guys have any questions, you know, and I can't

0:40:16.360 --> 0:40:18.399
<v Speaker 3>wait to kind of share I feel like I really

0:40:18.520 --> 0:40:20.080
<v Speaker 3>we need to do like a really good like blog

0:40:20.120 --> 0:40:23.680
<v Speaker 3>post about this, right Mandy, Like about like the steps.

0:40:23.960 --> 0:40:25.759
<v Speaker 3>I don't know if it's different in other states, but

0:40:26.680 --> 0:40:28.640
<v Speaker 3>about really buying a home, especially if you want to

0:40:28.640 --> 0:40:30.600
<v Speaker 3>buy a home slash investment property.

0:40:30.920 --> 0:40:32.880
<v Speaker 2>I don't. Yeah, I think it's really important because I

0:40:32.920 --> 0:40:35.080
<v Speaker 2>don't think a lot of people realize that the mortgage

0:40:35.160 --> 0:40:38.080
<v Speaker 2>the home buying process starts before you even go home shopping,

0:40:38.080 --> 0:40:39.840
<v Speaker 2>Like it starts for months and months and months in advance.

0:40:39.880 --> 0:40:42.520
<v Speaker 2>It starts, like what you said with Superman. It starts

0:40:42.560 --> 0:40:45.280
<v Speaker 2>with the work of preparing yourself and building your credit

0:40:45.320 --> 0:40:47.560
<v Speaker 2>and making sure that you're not doing a lot of that,

0:40:47.719 --> 0:40:49.200
<v Speaker 2>like a lot of the things that are like red

0:40:49.200 --> 0:40:52.000
<v Speaker 2>flags when you're being like picked apart by a lending

0:40:52.480 --> 0:40:56.239
<v Speaker 2>like a mortgage financing company, a bank whatever. You know, Hey,

0:40:56.360 --> 0:40:58.759
<v Speaker 2>you went really ham at the store over Christmas and

0:40:58.760 --> 0:41:00.520
<v Speaker 2>you know, well, it's credit card debt, you know, and

0:41:00.600 --> 0:41:02.319
<v Speaker 2>I approve you. Or hey, you lost your job or

0:41:02.320 --> 0:41:04.400
<v Speaker 2>you just started a new job in the last three months,

0:41:04.640 --> 0:41:07.399
<v Speaker 2>you know, you look like risky. Like people don't know

0:41:07.560 --> 0:41:09.440
<v Speaker 2>all the different things that they can do to kind

0:41:09.480 --> 0:41:11.600
<v Speaker 2>of like cause bumps in the road, so it's like

0:41:11.640 --> 0:41:14.920
<v Speaker 2>you have to prepare early. And yeah, if if you

0:41:14.960 --> 0:41:18.839
<v Speaker 2>guys have homeowners questions buying a house, whatever, you can

0:41:18.880 --> 0:41:22.000
<v Speaker 2>send those two go to Brown Ambition Podcast dot com

0:41:22.040 --> 0:41:24.719
<v Speaker 2>ask us anything to leave us a question there or

0:41:24.760 --> 0:41:27.520
<v Speaker 2>email us at Brown Ambition Podcast at gmail dot com.

0:41:27.800 --> 0:41:29.600
<v Speaker 2>And yeah, maybe we can put something together for people

0:41:29.960 --> 0:41:30.719
<v Speaker 2>just based.

0:41:30.440 --> 0:41:32.680
<v Speaker 3>On I think we do, like maybe like a checklist

0:41:32.719 --> 0:41:34.719
<v Speaker 3>of like the steps of home buying or something like that.

0:41:34.719 --> 0:41:37.480
<v Speaker 2>I think that would be great if people are just interested.

0:41:37.520 --> 0:41:40.279
<v Speaker 2>I mean, how many people watch HGTV like they don't know,

0:41:40.920 --> 0:41:43.680
<v Speaker 2>but I feel like I'm an expert. I'm like, how

0:41:43.760 --> 0:41:46.120
<v Speaker 2>much do you have left for your renovations and repairs

0:41:46.120 --> 0:41:50.120
<v Speaker 2>on the but you know, and maybe it's just like

0:41:50.160 --> 0:41:52.880
<v Speaker 2>a list of free home first time home buyers classes

0:41:52.880 --> 0:41:55.319
<v Speaker 2>resources I took. I took a seminary and I took

0:41:55.360 --> 0:41:59.200
<v Speaker 2>the the Tanya rape leays or it. It was good.

0:41:59.239 --> 0:42:01.880
<v Speaker 2>I think I talked about we went sometime earlier this

0:42:02.000 --> 0:42:05.480
<v Speaker 2>year or sorry last year now, and I you know,

0:42:05.480 --> 0:42:07.040
<v Speaker 2>we were nowhere close to buying a house, but it

0:42:07.080 --> 0:42:10.400
<v Speaker 2>was still really educational. And there's a free pdf like

0:42:10.440 --> 0:42:13.840
<v Speaker 2>an ebook that the loan officer who works from the

0:42:13.960 --> 0:42:17.839
<v Speaker 2>largest lending companies in the US call Guaranteed Rate. He

0:42:17.920 --> 0:42:20.200
<v Speaker 2>actually just wrote and like a free ebook. I might

0:42:20.280 --> 0:42:23.480
<v Speaker 2>just post that online. It's an excellent like primer on

0:42:23.719 --> 0:42:27.319
<v Speaker 2>just the mortgage process and this like exactly like I said,

0:42:27.360 --> 0:42:29.760
<v Speaker 2>the things you can do to delay the mortgage process,

0:42:29.760 --> 0:42:31.320
<v Speaker 2>the things you should do to make sure it's a

0:42:31.360 --> 0:42:35.040
<v Speaker 2>smooth process. Like I read that, you know, in like

0:42:35.080 --> 0:42:36.839
<v Speaker 2>I gobbled it up because it was really interesting. It's

0:42:36.840 --> 0:42:41.240
<v Speaker 2>like all these insider experiences from the right, from the source,

0:42:41.480 --> 0:42:43.759
<v Speaker 2>like a mortgage loan officer who's right there in like

0:42:43.800 --> 0:42:46.960
<v Speaker 2>the trenches with everyone all the time. So maybe I'll

0:42:46.960 --> 0:42:49.120
<v Speaker 2>post that and then if you guys have any questions,

0:42:49.120 --> 0:42:51.880
<v Speaker 2>send him in and who knows, maybe I'll get that

0:42:51.920 --> 0:42:54.960
<v Speaker 2>guy to come on sometime. That'll be awesome some tips,

0:42:55.239 --> 0:42:57.239
<v Speaker 2>but then just learning from your experience too. It's really

0:42:57.239 --> 0:43:11.920
<v Speaker 2>interesting because you're right in it, in it it's okay,

0:43:12.040 --> 0:43:14.280
<v Speaker 2>all right, good vibes, everyone said, tifany good vibes.

0:43:14.520 --> 0:43:18.920
<v Speaker 1>Yes, So now it is time for brown break, brown boost.

0:43:19.200 --> 0:43:22.280
<v Speaker 1>What you're gonna do. What you're gonna do brown break

0:43:22.440 --> 0:43:23.040
<v Speaker 1>or boost?

0:43:24.200 --> 0:43:24.560
<v Speaker 2>Nice?

0:43:24.600 --> 0:43:26.520
<v Speaker 1>I like it, I know, I was like, oh, I

0:43:26.560 --> 0:43:27.200
<v Speaker 1>was like in my mind.

0:43:27.200 --> 0:43:28.560
<v Speaker 3>I was like, oh, what am I gonna say? I

0:43:28.560 --> 0:43:31.960
<v Speaker 3>don't know, and it came out just but goodie.

0:43:32.080 --> 0:43:34.040
<v Speaker 1>Yeah, you know, it came out good. So are you

0:43:34.040 --> 0:43:35.800
<v Speaker 1>gonna are you gonna break? Are you gonna boost?

0:43:36.040 --> 0:43:38.520
<v Speaker 2>I want to take a boost today? Well, I want

0:43:38.520 --> 0:43:41.160
<v Speaker 2>to answer if someone had asked me on one of

0:43:41.160 --> 0:43:43.200
<v Speaker 2>the social media channels, what was the name of the

0:43:43.239 --> 0:43:45.040
<v Speaker 2>money app that I gave a boost to a while ago?

0:43:45.080 --> 0:43:48.000
<v Speaker 2>And it was called Level Money L L e V

0:43:48.160 --> 0:43:51.239
<v Speaker 2>as in Victory E L Money. And that's the app

0:43:51.239 --> 0:43:52.759
<v Speaker 2>that I use day to day. And it's it's cool

0:43:52.760 --> 0:43:54.640
<v Speaker 2>because you don't really think about it. It just tells

0:43:54.680 --> 0:43:57.640
<v Speaker 2>you every day you have seventy five dollars left to

0:43:57.640 --> 0:43:59.600
<v Speaker 2>spend today if you want to stay on budget, you know,

0:43:59.760 --> 0:44:01.879
<v Speaker 2>and if you spend eighty, then it takes five from

0:44:01.880 --> 0:44:05.600
<v Speaker 2>tomorrow's budget and on and on. So Level Money and

0:44:05.640 --> 0:44:08.600
<v Speaker 2>Today's Boost I wanted to. I start thinking of sort

0:44:08.680 --> 0:44:11.160
<v Speaker 2>of what my favorite bank products are, and I just thought, men,

0:44:11.239 --> 0:44:13.520
<v Speaker 2>I haven't even like really given a shout out to

0:44:13.920 --> 0:44:16.279
<v Speaker 2>the fact that I love my savings account bank, my

0:44:16.320 --> 0:44:19.560
<v Speaker 2>Ally savings account. Yes, I know we both use Ally.

0:44:20.200 --> 0:44:21.920
<v Speaker 2>You're a fan of Alley but we haven't given them

0:44:21.920 --> 0:44:22.600
<v Speaker 2>a shout out.

0:44:23.160 --> 0:44:25.680
<v Speaker 1>There Bay and they are Bay all.

0:44:25.920 --> 0:44:27.200
<v Speaker 2>And then also I'll give a shout out to my

0:44:27.200 --> 0:44:31.520
<v Speaker 2>former Bay. Capital one three sixty ally just narrowly beats

0:44:31.520 --> 0:44:34.800
<v Speaker 2>Capital one three sixty. They're both great. But our online

0:44:34.840 --> 0:44:37.480
<v Speaker 2>banks are just huge. I mean, I don't know why

0:44:37.480 --> 0:44:40.000
<v Speaker 2>more people don't know about them. It can be I

0:44:40.040 --> 0:44:42.960
<v Speaker 2>guess a little nerve wracking or not nerve wracking, but

0:44:43.040 --> 0:44:44.880
<v Speaker 2>just it's just different to think, Okay, I don't have

0:44:44.920 --> 0:44:48.120
<v Speaker 2>a bank branch to walk into, there's no person behind

0:44:48.120 --> 0:44:50.000
<v Speaker 2>the count or my dad would never like do it.

0:44:50.000 --> 0:44:51.600
<v Speaker 2>All he called me was watterday. He was waiting in

0:44:51.640 --> 0:44:53.200
<v Speaker 2>line at the bank and I'm like, to do what

0:44:53.640 --> 0:44:56.560
<v Speaker 2>posits some money? There's an ATM right outside. He's like,

0:44:56.560 --> 0:44:58.040
<v Speaker 2>I don't know, my friend brand is working today. I

0:44:58.080 --> 0:45:00.360
<v Speaker 2>want to say, yeah they do that? What are the

0:45:01.120 --> 0:45:03.840
<v Speaker 2>DA does love Brenda? I'm like, yeah, I still no

0:45:03.960 --> 0:45:06.319
<v Speaker 2>Brenda and say hi, but you know, you know, getting

0:45:06.320 --> 0:45:09.800
<v Speaker 2>any interest? I digress so online banks. So the biggest

0:45:09.840 --> 0:45:12.680
<v Speaker 2>reasons why I love online banks. Online banks means no

0:45:12.840 --> 0:45:16.279
<v Speaker 2>bank branches, no bank people, lower overhead costs, and that

0:45:16.360 --> 0:45:20.239
<v Speaker 2>means less fees tacked on to their products because a

0:45:20.239 --> 0:45:22.680
<v Speaker 2>lot of the reason that bank, like big bank fees,

0:45:22.719 --> 0:45:25.640
<v Speaker 2>Bank of America, all the big banks are so freaking high.

0:45:25.680 --> 0:45:28.400
<v Speaker 2>Like they charge you for a minimum balance, they charge

0:45:28.440 --> 0:45:30.880
<v Speaker 2>you for maintenance, they charge you for I mean, I

0:45:30.880 --> 0:45:33.719
<v Speaker 2>had to pay for a cashier's check, like to get

0:45:33.719 --> 0:45:35.440
<v Speaker 2>my own money, you know what I mean? The other

0:45:35.520 --> 0:45:38.040
<v Speaker 2>day eight dollars at Chase is nuts. The reason they

0:45:38.080 --> 0:45:40.880
<v Speaker 2>do that is because your overhead costs are so freaking high.

0:45:40.920 --> 0:45:43.480
<v Speaker 2>So I love online banks. They have very low fees.

0:45:43.520 --> 0:45:46.960
<v Speaker 2>They often reimburse you for ATM fees, and if they

0:45:46.960 --> 0:45:49.640
<v Speaker 2>don't reimburse you, they have they have a you know,

0:45:49.719 --> 0:45:52.840
<v Speaker 2>free fees up to a certain dollar amount. No monthly

0:45:52.880 --> 0:45:57.440
<v Speaker 2>maintenance fees to worry about. Uh. And on top of that,

0:45:57.480 --> 0:46:00.720
<v Speaker 2>they actually earn you something on your money. So ally

0:46:00.920 --> 0:46:04.799
<v Speaker 2>is one percent on their savings accounts, and I don't

0:46:04.880 --> 0:46:07.000
<v Speaker 2>forget what the checking account interest rate is. I actually

0:46:07.000 --> 0:46:09.640
<v Speaker 2>don't have a checking account with them. And Capital one

0:46:09.680 --> 0:46:13.399
<v Speaker 2>through sixties point seventy five percent and like that may

0:46:13.440 --> 0:46:16.400
<v Speaker 2>not sound like a lot, but my Bank of America,

0:46:16.520 --> 0:46:19.200
<v Speaker 2>my old, good old Bank of America savings and checking

0:46:19.239 --> 0:46:23.960
<v Speaker 2>account was like point zero one point zero one percent

0:46:24.440 --> 0:46:28.560
<v Speaker 2>interest which was like maybe two pennies like a year

0:46:28.800 --> 0:46:32.040
<v Speaker 2>from them, which is Pray Cray Gray. So that's my

0:46:32.080 --> 0:46:34.640
<v Speaker 2>shout out. Ally, Bank Capital one through sixties are good

0:46:34.640 --> 0:46:39.000
<v Speaker 2>ones and just you know, Magnify Money on give another

0:46:39.000 --> 0:46:40.760
<v Speaker 2>shout out to them. If you want to just shop

0:46:40.760 --> 0:46:43.600
<v Speaker 2>around for a better savings of checking account. It's not

0:46:43.719 --> 0:46:47.440
<v Speaker 2>that hard. People don't people like people wait forever to

0:46:47.520 --> 0:46:50.200
<v Speaker 2>change their banks. It's crazy, like they it's it seems

0:46:50.200 --> 0:46:51.960
<v Speaker 2>like a lot of work, but it's it's really not

0:46:52.040 --> 0:46:54.000
<v Speaker 2>that hard to transfer banks and to get out of

0:46:54.000 --> 0:46:55.600
<v Speaker 2>a bad bank and get to a bank that actually

0:46:55.600 --> 0:46:58.160
<v Speaker 2>earns you some money and treats you better and doesn't

0:46:58.239 --> 0:47:00.839
<v Speaker 2>charge you so many fees. A good place to start

0:47:00.840 --> 0:47:04.759
<v Speaker 2>I love Magnified Money is Savings Account Comparison Page because

0:47:04.760 --> 0:47:07.160
<v Speaker 2>we just lay everything out every single bank. We look

0:47:07.160 --> 0:47:09.920
<v Speaker 2>at them and we rank them based on their interest

0:47:10.040 --> 0:47:12.839
<v Speaker 2>rates and their fees and also how transparent they are

0:47:12.840 --> 0:47:15.520
<v Speaker 2>about their fees, which kind of like sets our page

0:47:15.560 --> 0:47:17.200
<v Speaker 2>a part of the thing from other ones out there.

0:47:17.719 --> 0:47:19.600
<v Speaker 2>So if you if you want to shop around, you're interested,

0:47:19.640 --> 0:47:22.640
<v Speaker 2>you're curious, you can you can definitely start there. But

0:47:22.880 --> 0:47:24.640
<v Speaker 2>I don't know if you're not banking online. I don't

0:47:24.680 --> 0:47:26.640
<v Speaker 2>know what you're doing with your life.

0:47:28.880 --> 0:47:31.680
<v Speaker 3>I want to give a shout out too, I'm gonna

0:47:31.680 --> 0:47:37.040
<v Speaker 3>see I don't know, just like team like, the last

0:47:37.040 --> 0:47:39.680
<v Speaker 3>few weeks have just really showed me how important it

0:47:39.719 --> 0:47:43.399
<v Speaker 3>is to happen like an awesome dope team around you,

0:47:43.400 --> 0:47:45.560
<v Speaker 3>you know, because sometimes there's just so many things floating,

0:47:45.640 --> 0:47:47.759
<v Speaker 3>so many things happening, it's hard to keep up with things.

0:47:47.800 --> 0:47:51.399
<v Speaker 3>But I have an awesome, awesome, awesome team, and I'm

0:47:51.560 --> 0:47:54.440
<v Speaker 3>recognizing that it's not just like the team for the Budgetista.

0:47:54.520 --> 0:47:56.920
<v Speaker 3>It's like my life team Superman is part of the

0:47:56.920 --> 0:48:00.239
<v Speaker 3>team Supergirl, my sisters, just having like such a great

0:48:00.239 --> 0:48:03.240
<v Speaker 3>support system. And so that's my brown Boost. I'm feeling

0:48:03.280 --> 0:48:05.879
<v Speaker 3>in a great mood. I'm not trying to put any

0:48:06.360 --> 0:48:07.759
<v Speaker 3>wie down and rides out there because I want this

0:48:07.800 --> 0:48:08.480
<v Speaker 3>Dagon house.

0:48:08.719 --> 0:48:13.680
<v Speaker 1>I want to park in my backyard. I want my park.

0:48:14.160 --> 0:48:16.120
<v Speaker 3>What I'm already like want to put a hammock right here.

0:48:18.400 --> 0:48:20.440
<v Speaker 3>So yeah, so that's my That's why brown boost is

0:48:20.520 --> 0:48:21.840
<v Speaker 3>just the teamwork.

0:48:21.640 --> 0:48:26.279
<v Speaker 1>Makes the drig work. We will indeed, So now it's

0:48:26.320 --> 0:48:27.760
<v Speaker 1>time for wind.

0:48:28.440 --> 0:48:29.960
<v Speaker 2>I feel like you're moving us along. I know you're

0:48:29.960 --> 0:48:31.280
<v Speaker 2>about to pack and go to California.

0:48:32.600 --> 0:48:33.480
<v Speaker 1>Move this train along.

0:48:35.719 --> 0:48:37.719
<v Speaker 3>Yes, I cannot wait to go. But I'm like, yes,

0:48:37.760 --> 0:48:40.000
<v Speaker 3>I gotta get up at like four am. So I'm like, oh,

0:48:40.080 --> 0:48:41.080
<v Speaker 3>I'm not looking forward to it.

0:48:42.680 --> 0:48:46.200
<v Speaker 1>So yeah, so Wins, I can guess what you're I

0:48:46.239 --> 0:48:50.040
<v Speaker 1>just thought. I So we've had her on as a

0:48:50.080 --> 0:48:51.840
<v Speaker 1>win before, we actually had it on as a guest.

0:48:52.160 --> 0:48:53.200
<v Speaker 1>Love the a j.

0:48:54.640 --> 0:48:57.719
<v Speaker 3>My Win is so epic for her, so lovey. I'm like,

0:48:57.719 --> 0:48:59.640
<v Speaker 3>we didn't talk about this last week, didn't. No, this

0:48:59.680 --> 0:49:02.400
<v Speaker 3>is new, this is new and so awesome. It's like

0:49:02.480 --> 0:49:05.279
<v Speaker 3>beyond awesome. I'm like, I can't even believe it's happening. So,

0:49:05.560 --> 0:49:07.160
<v Speaker 3>for those of you who don't know Love, we had

0:49:07.160 --> 0:49:09.840
<v Speaker 3>her on before. She's amazing. She's funny, she's smart. She

0:49:10.000 --> 0:49:13.480
<v Speaker 3>is the personification of black girl magic. And what I

0:49:13.520 --> 0:49:16.200
<v Speaker 3>love so much about Love is that it's not just

0:49:16.239 --> 0:49:18.960
<v Speaker 3>that she's just really dope. She's actually so nice, Like

0:49:19.200 --> 0:49:21.520
<v Speaker 3>she's always looking out for you, like she'll hit me

0:49:21.600 --> 0:49:24.719
<v Speaker 3>up if she sees an opportunity, or like she's just

0:49:24.760 --> 0:49:28.279
<v Speaker 3>a really dope nice person. And you know when even

0:49:28.320 --> 0:49:30.239
<v Speaker 3>from first meeting her in person and her not knowing me.

0:49:30.280 --> 0:49:32.200
<v Speaker 1>She wasn't one of those who are you again? Are

0:49:32.239 --> 0:49:32.760
<v Speaker 1>you important?

0:49:33.400 --> 0:49:35.680
<v Speaker 3>Not that kind of person at all. And so love

0:49:36.400 --> 0:49:39.960
<v Speaker 3>has a New York Times bestseller, be clear, It's called

0:49:40.000 --> 0:49:41.640
<v Speaker 3>I Am Judging You. She shared it with us on

0:49:41.640 --> 0:49:45.560
<v Speaker 3>a podcast and as if it wasn't cool enough that

0:49:45.640 --> 0:49:48.359
<v Speaker 3>her first book was a New York Times bestseller and

0:49:48.520 --> 0:49:49.680
<v Speaker 3>you know, did really well.

0:49:50.040 --> 0:49:51.959
<v Speaker 2>Accolades genuinely funny.

0:49:52.040 --> 0:49:55.080
<v Speaker 3>Yes, accolades on top of accolades. I mean, every celebrity

0:49:55.120 --> 0:49:57.520
<v Speaker 3>you could think of holding that I Am Judging You book.

0:49:58.320 --> 0:50:03.680
<v Speaker 3>Shanda aka call me Miss Rhymes has brought the rights

0:50:03.840 --> 0:50:06.359
<v Speaker 3>to Lovey's book Are You Kidding Me? And it's going

0:50:06.400 --> 0:50:12.400
<v Speaker 3>to make a comedy series, like if It's unbelievable because

0:50:12.480 --> 0:50:15.480
<v Speaker 3>one Lovey first was connected with Shanda because Lovey used

0:50:15.480 --> 0:50:18.560
<v Speaker 3>to do at least a live tweet Shonda shows, and

0:50:18.600 --> 0:50:20.400
<v Speaker 3>so that was like her so just to see that,

0:50:20.440 --> 0:50:22.920
<v Speaker 3>and like at twenty twelve, love used to tweet like

0:50:22.920 --> 0:50:23.800
<v Speaker 3>one day you gonna see me?

0:50:23.920 --> 0:50:24.799
<v Speaker 1>She always wanted to.

0:50:25.320 --> 0:50:27.360
<v Speaker 3>She just told me like personally and like and chatting

0:50:27.360 --> 0:50:28.520
<v Speaker 3>like when I saw her person once.

0:50:28.880 --> 0:50:31.040
<v Speaker 1>You know, I'd love to be a TV writer. I

0:50:31.080 --> 0:50:32.919
<v Speaker 1>can see that. I love to write, I'm a writer.

0:50:33.000 --> 0:50:33.920
<v Speaker 1>This is what I love to do.

0:50:34.160 --> 0:50:36.359
<v Speaker 3>And she shared some tweets from like three or four

0:50:36.440 --> 0:50:39.279
<v Speaker 3>years ago, even earlier than that, like twenty twelve where

0:50:39.320 --> 0:50:41.200
<v Speaker 3>she says, you know, one day you're gonna see my

0:50:41.280 --> 0:50:43.920
<v Speaker 3>name name in the credits. And to have Shonda the

0:50:44.040 --> 0:50:49.000
<v Speaker 3>coin of TV. Let's be clear, Shonda Rhyme Hymes is

0:50:49.040 --> 0:50:52.759
<v Speaker 3>the dictator of TV right. She owns Thursday Night, she

0:50:52.800 --> 0:50:56.760
<v Speaker 3>owns Your Soul on Thursday. And to have her developed

0:50:56.840 --> 0:51:01.000
<v Speaker 3>Lovey's book, I am judging you into a comedy series.

0:51:01.160 --> 0:51:04.040
<v Speaker 3>I don't even know how love is able to to

0:51:04.080 --> 0:51:05.640
<v Speaker 3>just stand I mean, like.

0:51:05.960 --> 0:51:07.399
<v Speaker 1>Just how how can you stand it?

0:51:07.680 --> 0:51:09.160
<v Speaker 3>She said the other day. And I thought it was

0:51:09.200 --> 0:51:12.120
<v Speaker 3>so cute. She was like, honestly, it feels so surreal.

0:51:12.200 --> 0:51:14.080
<v Speaker 3>I'm feeling like I'm watching a good ass movie on

0:51:14.120 --> 0:51:15.719
<v Speaker 3>somebody else's life, and I'm like, yo, this movie is

0:51:15.760 --> 0:51:20.279
<v Speaker 3>good as hell. Yeah, she's it doesn't feel real. And

0:51:20.280 --> 0:51:22.280
<v Speaker 3>what I love And someone said, because I had posted

0:51:22.280 --> 0:51:25.080
<v Speaker 3>about it, someone was like, what excites them? Almost as

0:51:25.160 --> 0:51:27.520
<v Speaker 3>much as the fact that Lovey is Doue has this

0:51:27.600 --> 0:51:30.680
<v Speaker 3>deal with Shanda is the number of women of color

0:51:30.920 --> 0:51:33.600
<v Speaker 3>that have posted about it. And shared it because love

0:51:33.719 --> 0:51:35.920
<v Speaker 3>and I said, it's a testament to her character because

0:51:36.080 --> 0:51:40.480
<v Speaker 3>she's so awesome. I am so genuinely excited for it,

0:51:40.560 --> 0:51:41.759
<v Speaker 3>like it's me. When I read it, I was like,

0:51:41.800 --> 0:51:43.719
<v Speaker 3>are you kidding, Like I'm telling him, like Superman like, yo,

0:51:44.040 --> 0:51:46.680
<v Speaker 3>so Lovey because he knows Lovey and he was like what,

0:51:46.840 --> 0:51:49.560
<v Speaker 3>So we're all excited. It's not even me, but yeah,

0:51:49.600 --> 0:51:51.920
<v Speaker 3>so that is the win on wins on wins, and

0:51:51.960 --> 0:51:54.200
<v Speaker 3>I'm just really proud of her. And what I love

0:51:54.280 --> 0:51:58.040
<v Speaker 3>is that Lovey is using this opportunity to also teach

0:51:58.080 --> 0:52:00.759
<v Speaker 3>us along the way. She's face book the other day

0:52:00.800 --> 0:52:05.239
<v Speaker 3>that although that this is a huge deal, people think

0:52:05.239 --> 0:52:07.120
<v Speaker 3>that that means she's rolling in the dough. And she's like,

0:52:07.120 --> 0:52:08.799
<v Speaker 3>you know, I want to share the good, the bad,

0:52:08.800 --> 0:52:10.960
<v Speaker 3>the ugly of this whole process. And she said, can

0:52:11.000 --> 0:52:13.680
<v Speaker 3>I buy some more Oxford shoes and some more Blazers? Yes,

0:52:13.960 --> 0:52:17.200
<v Speaker 3>am I super rich? Now No, that that's not how

0:52:17.200 --> 0:52:18.600
<v Speaker 3>it works. That the more money you make, the more

0:52:18.640 --> 0:52:20.160
<v Speaker 3>people you have to hire, the more money you have

0:52:20.200 --> 0:52:22.239
<v Speaker 3>to spend. And she's just like, I love the fact

0:52:22.239 --> 0:52:24.680
<v Speaker 3>that she's showing the other side of this. So yeah,

0:52:24.719 --> 0:52:26.799
<v Speaker 3>she's just awesome, and so I'm proud of her.

0:52:27.000 --> 0:52:30.239
<v Speaker 2>Oh that makes me so happy because especially for kids

0:52:30.239 --> 0:52:32.600
<v Speaker 2>out there, just anyone who's like a writer or whatever,

0:52:32.800 --> 0:52:33.800
<v Speaker 2>it sounds all glamorous.

0:52:33.800 --> 0:52:33.960
<v Speaker 1>You know.

0:52:34.040 --> 0:52:37.720
<v Speaker 2>Cheryl Strade wrote an amazing or it was an amazing

0:52:37.960 --> 0:52:41.239
<v Speaker 2>excerpt from her she's the author of Wild and like

0:52:41.280 --> 0:52:43.399
<v Speaker 2>she's like super famous, and she wrote like the real

0:52:43.440 --> 0:52:45.640
<v Speaker 2>story of what it's like to be an author and

0:52:45.680 --> 0:52:47.920
<v Speaker 2>how the book advances work. And so I think that's

0:52:47.719 --> 0:52:49.720
<v Speaker 2>it's great to tell the other side of the story.

0:52:49.719 --> 0:52:52.759
<v Speaker 2>And like TV business is rough, like because a while back,

0:52:53.000 --> 0:52:56.120
<v Speaker 2>Issa Ray, before she did the HBO show Shonda, Shonda

0:52:56.760 --> 0:52:59.279
<v Speaker 2>and her team had bought the rights to Issa's book

0:52:59.360 --> 0:53:01.200
<v Speaker 2>and we're going to not her book, but she they

0:53:01.200 --> 0:53:05.000
<v Speaker 2>were gonna work with Asa Ryan developing a series, and

0:53:05.000 --> 0:53:07.239
<v Speaker 2>then that didn't work out. I don't think ABC was

0:53:07.280 --> 0:53:08.840
<v Speaker 2>like down for it or whatever, and she had to

0:53:08.880 --> 0:53:11.680
<v Speaker 2>bunce back and came back with HBO. But it's rough

0:53:11.719 --> 0:53:15.680
<v Speaker 2>out there. But I feel like Levy Levey's star is

0:53:15.760 --> 0:53:18.160
<v Speaker 2>like this rising. I mean it's like up in the

0:53:18.160 --> 0:53:20.720
<v Speaker 2>skies in the universe is in a different like, yeah,

0:53:20.840 --> 0:53:23.000
<v Speaker 2>it's in a different stratosphere right now. And it's really

0:53:23.000 --> 0:53:26.120
<v Speaker 2>exciting for her and just Shonda, I feel like Shonda

0:53:26.200 --> 0:53:28.360
<v Speaker 2>and and and it reminds you like Ava Duverne. But

0:53:28.400 --> 0:53:31.560
<v Speaker 2>these are women who were like reaching back and lifting

0:53:31.560 --> 0:53:33.680
<v Speaker 2>people up behind them, which is which you know you

0:53:33.719 --> 0:53:35.279
<v Speaker 2>don't really get to see a lot of. And it's

0:53:35.320 --> 0:53:37.320
<v Speaker 2>just like, and here's why we need more women in

0:53:37.360 --> 0:53:38.120
<v Speaker 2>power police.

0:53:38.560 --> 0:53:38.799
<v Speaker 1>Yeah.

0:53:39.600 --> 0:53:41.239
<v Speaker 2>Yeah, so they can look behind them and see who

0:53:41.400 --> 0:53:43.200
<v Speaker 2>who needs to catch up and give them that leg up.

0:53:43.239 --> 0:53:46.360
<v Speaker 2>And oh, it's exciting. I can't wait. Yeah, right, so

0:53:46.400 --> 0:53:47.799
<v Speaker 2>we need to have back on the show then, right

0:53:47.840 --> 0:53:49.960
<v Speaker 2>to tell us when in details and like what's the

0:53:50.000 --> 0:53:51.920
<v Speaker 2>story going to be? Like what is she going to

0:53:51.960 --> 0:53:53.640
<v Speaker 2>be in it? Who's who's playing her?

0:53:54.280 --> 0:53:54.520
<v Speaker 5>Right?

0:53:54.680 --> 0:53:54.839
<v Speaker 1>Oh?

0:53:54.840 --> 0:53:56.040
<v Speaker 2>Who would you get to play her?

0:53:56.680 --> 0:53:58.799
<v Speaker 1>I don't know? And I'm like, how is it really

0:53:58.880 --> 0:53:59.239
<v Speaker 1>gonna go?

0:53:59.600 --> 0:54:02.120
<v Speaker 2>It's known actress, Like I think that she needs an original,

0:54:02.160 --> 0:54:04.239
<v Speaker 2>like someone new.

0:54:03.480 --> 0:54:05.799
<v Speaker 3>But I wonder if it's like because because I am

0:54:05.880 --> 0:54:09.120
<v Speaker 3>judging you, really isn't like a story of Lovey's life necessarily,

0:54:09.400 --> 0:54:10.920
<v Speaker 3>so like it's it gonna be like a collection of

0:54:10.920 --> 0:54:13.520
<v Speaker 3>different story It's gonna be like skits like who knows, I'm.

0:54:13.360 --> 0:54:15.440
<v Speaker 1>Just who Chad? But yeah, We definitely have to have

0:54:15.480 --> 0:54:16.959
<v Speaker 1>her back on again for sure.

0:54:17.000 --> 0:54:17.840
<v Speaker 2>Okay, you work on that.

0:54:19.680 --> 0:54:22.799
<v Speaker 1>She gets to hint, do it. I'm like, anyway maybe.

0:54:22.600 --> 0:54:26.480
<v Speaker 2>And with Lovey No, it's amazing. Hey, I'm gonna tach

0:54:26.560 --> 0:54:28.120
<v Speaker 2>him off that way, and I can't think of anything

0:54:28.120 --> 0:54:29.440
<v Speaker 2>better than none.

0:54:29.800 --> 0:54:30.840
<v Speaker 1>Right, it's awesome.