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Speaker 1: Mandra, Do you know what I need? I need to

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Speaker 1: walk in these streets in my BA swag. You know

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Speaker 1: what I'm really looking forward to? First of all, be

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Speaker 1: your own Brown Boost. What an awesome phrase. I cannot

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Speaker 1: wait to wear that on my chest like Superman. And

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Speaker 1: what I'm really excited for, though, is I am a

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Speaker 1: sweatshirt and like hoodie girl. So the classic Brown Ambition

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Speaker 1: logo sweatshirt has my name all over it.

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Speaker 2: But where can I go? Where can I find it?

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Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get

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Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five

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Speaker 3: years in the game, we finally have merch for you guys.

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Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew

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Speaker 3: neck tea, get a onesie for your littles. We got

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Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be

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Speaker 3: your own Brown Boost T shirt for sure. We have

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Speaker 3: a Brown Ambition mug, which my family is most excited about.

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Speaker 3: I had to do the fifteen out size for my

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Speaker 3: big sister because she drinks coffee Like nobody's business.

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Speaker 2: Oh you know, I'm the budget nesh to write any

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Speaker 2: special offer.

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Speaker 3: I'm also very glad you asked that question, Tiffany. Yes,

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Speaker 3: with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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Speaker 3: all one word, you can get fifteen percent off your

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Speaker 3: order at Brown ambitionstore dot com.

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Speaker 1: I can't wait to see y'all in these BA streets

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Speaker 1: repping bapam with your BA swag.

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Speaker 2: Ho ho ho wait? Is that too early? Hey? Hey?

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Speaker 3: I mean I'm not mad at it. I am in

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Speaker 3: full holiday mode.

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Speaker 1: We deserve because we're back, we're black, we're Brown Ambition.

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Speaker 1: But yeah, I'm not gonna lie. If I wasn't so lazy,

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Speaker 1: I would have had my tree apart ready because I

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Speaker 1: just feel like we deserve.

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Speaker 2: We deserve.

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Speaker 3: We deserve all of fa la la la las and

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Speaker 3: the decking the halls. However, you deck your halls if

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Speaker 3: you're not into Christmas, if you're a Hanka family, Kwan's

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Speaker 3: a family, or just whatever non denominational celebration family, this

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Speaker 3: time is always so magical. Yeah, people are figuring out,

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Speaker 3: trying to figure out how they're going to celebrate the

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Speaker 3: pandemic holiday season, which is sad. But I'm just trying,

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Speaker 3: like my mom has been, you know, she's been in

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Speaker 3: her feeling she's been having a little pity party. If

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Speaker 3: she's listening, Mom, this is fair. She looks, you know,

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Speaker 3: because she's missing not only Thanksgiving, but it's Rio's first

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Speaker 3: birthday on Thanksgiving this week, and I'm just trying to

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Speaker 3: be like, look, we have to like make the most

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Speaker 3: of it. I'm trying to figure out how to do

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Speaker 3: a virtual birthday extravaganza where there's like activities, and maybe

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Speaker 3: I'm like trying to do too much. I just want

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Speaker 3: folks to feel to still have an experience and not

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Speaker 3: be like so sad.

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Speaker 1: I know, and I thought, like for a moment, my

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Speaker 1: mom is she's avkia of nurse. I said, Mommy, you

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Speaker 1: know you guys are going to come over for Thanksgiving.

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Speaker 1: Will keep it really small, just like I couldn't even finish.

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Speaker 1: She's like no, I said nope.

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Speaker 2: I was like nope.

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Speaker 1: She think my dad doesn't listen to podcasts, so I

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Speaker 1: can spills a little shade. She's like, why don't you

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Speaker 1: ask your dad? He likes gallivanting around when there's a pandemic.

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Speaker 3: About it, don't All the older men in our lives

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Speaker 3: love love a good grocery store trip in.

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Speaker 2: The middle of the day, just the gallivants.

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Speaker 1: I was like, well she you know, She's like, honestly,

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Speaker 1: it's serious business.

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Speaker 2: You know. She's like, I'm in my sixties, your dad

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Speaker 2: is in his seventies. It's just not safe.

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Speaker 1: And I'm like, you know what, She's right, So we're

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Speaker 1: honestly not It's just going to be who's here. My

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Speaker 1: sister Carol that lives up the street with the two kids,

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Speaker 1: and my sister Lisa Superman family, they all are like, nope,

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Speaker 1: We're going to be in our own houses. So yeah,

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Speaker 1: it's this will be the smallest Thanksgiving I've ever celebrated.

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Speaker 1: And still I'm not cooking already. It's so crazy. I

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Speaker 1: call Vonda, who does like all of the because looking

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Speaker 1: for my major holidays. I didn't even I just said, hey, banda,

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Speaker 1: she said, got you for Thanksgiving? I said, okay, bye girl.

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Speaker 1: She already bless her yes, cause my husband asked, he said,

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Speaker 1: you gotta cook. I was like, do you want to

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Speaker 1: have a good Thanksgiving or not?

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Speaker 3: I love Thanksgiving cooking. Oh but that's amazing. Listen, you

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Speaker 3: do your thing if that because like I can, that

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Speaker 3: also sounds amazing. Just to have the food show up

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Speaker 3: and you're like in your cozy socks and out whatever

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Speaker 3: you're gonna wear.

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Speaker 1: And if I was a good cook, honestly, I would

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Speaker 1: be like, you know what, I'm going to spend the time,

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Speaker 1: But is that what we're doing?

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Speaker 2: You want my cooking for thanks?

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Speaker 1: Again, I'm not the worst, but I could give you

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Speaker 1: a good salmon you know, pallet sandwich. Meanwhile, just the

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Speaker 1: salmon burger that you know you get from Trader Joe's

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Speaker 1: that those.

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Speaker 3: Are good, Those are good, real talk. If they want

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Speaker 3: to respond to the show, I would. I would wax

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Speaker 3: poetic about their salmon burgers for a very long time. Yeah,

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Speaker 3: I have a whole I took this week off of

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Speaker 3: work and in true Mandy fashion, listen, my therapist at

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Speaker 3: this point just laughs. I don't know if we're supposed

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Speaker 3: to be laughing as much as we do on our calls,

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Speaker 3: but anyway, because I was like, yeah, I'm taking the

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Speaker 3: week off work. But here's my plan. We are gonna

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Speaker 3: surprise Abuela Enrique's mom tomorrow with We're gonna take her

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Speaker 3: Christmas tree. Because speaking of grandma's getting in their fields,

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Speaker 3: she's all, you know, sad. Because I made the executive

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Speaker 3: decision not to do a traditional Christmas tree in my

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Speaker 3: house because I'm sorry, God gave me a spider monkey

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Speaker 3: for a baby, not an actual human, and I really

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Speaker 3: don't want to have to go to the emergency room

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Speaker 3: when he pulls that tree down on top of himself.

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Speaker 3: So I decided no Christmas tree inside, but we're gonna

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Speaker 3: get a tree for the front yard anyway, so we're

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Speaker 3: gonna surprise her tomorrow. And then I'm listen, I started

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Speaker 3: to like hire people for stuff, like for Rio's birthday,

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Speaker 3: which is on Thanksgiving, I was like, okay, we can

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Speaker 3: go to that same bakery. I got, you know, a

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Speaker 3: cake from before for his birthday cake. And then you know,

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Speaker 3: I had a really cool balloon arch at my baby

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Speaker 3: shower and I was like, let me get their phone number.

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Speaker 3: But then the dollar started to add up, and then

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Speaker 3: I started to google, like how much is a balloon tape?

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Speaker 3: Like how long? What's a helium tank cost? Like can

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Speaker 3: I do this myself? And next thing you know, I'm

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Speaker 3: making a whole dam's loth cake carved caricature cake, and

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Speaker 3: a whole damn balloon arch from scratch, and I'm doing

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Speaker 3: a whole damn Thanksgiving lunch and it's gonna be delicious.

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Speaker 3: And we're having turkey and sweet potato soufle and dressing

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Speaker 3: and all the trimmings and it's gonna be great. So

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Speaker 3: this is my week off. Yeah, but I'll know it

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Speaker 3: makes me happy though it's not. You know, I enjoyed.

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Speaker 3: I enjoy crafts, I always have. I enjoy cooking, So

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Speaker 3: this this brings joy. And I had to literally convince

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Speaker 3: my therapist to like, get on board. I was like,

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Speaker 3: get on board, Lauren, get on board. This is what's happening.

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Speaker 3: I'm in a great mood. I'm amazing. She's like, are

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Speaker 3: you Yes, It's gonna be fabulous. I just can't wait

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Speaker 3: to see Rio's face when he sees his his cake

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Speaker 3: and all the balloons. I feel like he's gonna have

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Speaker 3: a really fun reaction.

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Speaker 2: Yes, balloons and kid. I feel like balloons and bubbles

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Speaker 2: are like kids' best friends.

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Speaker 3: Yeah, he was never in I remember and got him

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Speaker 3: like a balloon a bubble machine over this, and he

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Speaker 3: would just stare at it with the deadest of stairs,

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Speaker 3: like the digits of stairs doesn't.

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Speaker 2: Make that noise.

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Speaker 1: Because I have to say that I've seen a lot

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Speaker 1: of times kids don't like the bubble machine noise, because

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Speaker 1: I definitely got my nephew and he was like, girl, do.

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Speaker 2: You want to kill me? Is that what this is?

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Speaker 1: But the actual bubbles themselves, he was like, Okay, these

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Speaker 1: are cute.

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Speaker 2: I can pop these, these are cute.

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Speaker 3: My mom My mom was like, look at this viral

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Speaker 3: video of this baby sing bubbles for the first time.

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Speaker 3: It's adorable. And then it's one of those things where

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Speaker 3: you're like, yeah, I recreate that. No. I mean, he

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Speaker 3: couldn't have been less interested in the bubbles. But the

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Speaker 3: things we do for.

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Speaker 1: The cheatment, right, I'm talking about these kids, you just

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Speaker 1: be shady out here. The other day, my nephew asked

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Speaker 1: my sister. He was like, how old are you? Because

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Speaker 1: now he's you know, they get to an age where

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Speaker 1: they're like, wait, people are like different ages.

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Speaker 2: He's how old are you? And she said, oh, I'm

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Speaker 2: thirty nine. He said, oh, so almost.

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Speaker 1: Forty yo, Mandy the way, And at first I thought

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Speaker 1: he's not wrong.

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Speaker 3: How can you not congratulate him on being so smart?

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Speaker 1: And at first I thought he knew the shade because

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Speaker 1: he's fine. I was like, how does he know the shade?

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Speaker 1: I'm like, girl, you get old, right, But and then

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Speaker 1: I realized, oh, like he's just rounding, because then he

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Speaker 1: was like, I'm almost six because I'm five.

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Speaker 2: Amelia is almost four because she's three.

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Speaker 1: And I realized, oh, he doesn't understand the social dynamic

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Speaker 1: of being forty, and like, you know, I'm all.

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Speaker 2: That comes along. I really could for a minute. Then

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Speaker 2: I was like, oh, Robin is wait. Oh we don't know.

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Speaker 2: The shame the way he looks. She looked like, oh,

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Speaker 2: that's what we're doing, hen't he don't know?

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Speaker 3: Because a baby, you know your numbers.

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Speaker 1: Oh but yeah, these babies out here, no, oh, definitely

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Speaker 1: postpics because you know, I love picks.

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Speaker 3: Of real I'm so excited. I'm dreaming of cakes now.

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Speaker 3: I'm just I have all the accessories. Listen, you ever

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Speaker 3: been to a Wegman's, Tiffany, I feel.

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Speaker 2: Like maybe once before. They're pretty fancy, aren't.

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Speaker 3: They They're I mean, they're fancy, but they're just like

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Speaker 3: I guess, down south, we have publics and like in

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Speaker 3: North Carolina there's Harris Heaters. Up here, there's something called

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Speaker 3: and we finally have one. And listen when I tell

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Speaker 3: you their bakery section, they're like bake, not their bakery section,

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Speaker 3: which is amazing, but they're actual like accessories where you

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Speaker 3: have like piping bags and all the sprinkles. Girl, I

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Speaker 3: probably spend like two hundred dollars in that section, just

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Speaker 3: like getting I'm very, very excited. Ultimately, it will indeed

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Speaker 3: cost far more to make the cake myself than it

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Speaker 3: would have to outsource it. But I'm calling it in

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Speaker 3: an investment, you know, like, who know, this won't be

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Speaker 3: the last cake I make.

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Speaker 2: No. I love it, especially with all that's been going on.

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Speaker 2: It's pretty crazy. This is a random side.

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Speaker 1: Now, what are you thinking about the the ugh.

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Speaker 2: Not the pandemic, darn it?

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Speaker 1: The vaccine? How comfortable do you feel about being in

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Speaker 1: line for a vaccine?

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Speaker 3: Listen? I would just go back to what Kamala Harris

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Speaker 3: said during the vice presidential debate when she was like, listen,

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Speaker 3: if doctor Fauci and the scientists tell me to take

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Speaker 3: the vaccine, I'll be first in line. And I feel

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Speaker 3: the same way. I trust science and I'm super excited that.

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Speaker 2: You know.

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Speaker 3: I think the third of the pharmaceutical companies that were

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Speaker 3: working on a vaccine released preliminary results and it was

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Speaker 3: it wasn't like the ninety percent the first two got,

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Speaker 3: but it was still really high for the success rate.

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Speaker 3: That's freaking exciting. I don't think even the general public

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Speaker 3: will have a chance to get it till like the spring,

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Speaker 3: though maybe the summer. So but you know, when when

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Speaker 3: it's out here, I'll definitely be really listening to what

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Speaker 3: the researchers say. I did, though, you know, in terms

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Speaker 3: of how you know black households, black people tend to

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Speaker 3: feel about vaccines. It ain't great. We can't forget the

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Speaker 3: early Testigee, like the Testigee experiment where they use black men.

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Speaker 3: I think it was it was just black men, right,

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Speaker 3: We're told they were going to get you know, could

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Speaker 3: be getting given treatment for syphilis, but we're just left

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Speaker 3: to suffer. So and I was reading about this that

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Speaker 3: there's actually it's really difficult to get Black Americans to

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Speaker 3: participate in these types of trials. And it's important for

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Speaker 3: people to participate from all voices and genders and stuff,

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Speaker 3: just on the off chance that there may be something

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Speaker 3: that causes one to react differently. But yeah, they had

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Speaker 3: a hard time getting a large sample size for black Americans.

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Speaker 3: But I totally I get oh, thousand percent. I get it,

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Speaker 3: and there's like, it's this. I mean, there's just this

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Speaker 3: level of suspicion for government, for you know, especially big pharma,

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Speaker 3: Like listen, they're gonna make boku boku money off of this.

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Speaker 3: We all know this. But I'll definitely be letting science

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Speaker 3: and whatever I read, like, really looking at the sources

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Speaker 3: of what I read to before we line up to

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Speaker 3: get the vaccine.

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Speaker 1: What about you, Yeah, I mean, well, I think the

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Speaker 1: good thing is that I've got a lot of medical

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Speaker 1: folks in my family, So definitely reaching out to her

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Speaker 1: mom and her friends, Definitely reaching out my my sister's

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Speaker 1: husband actually works with the Navy.

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Speaker 2: He's a he's a doctor, a medical doctor.

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Speaker 1: So even I remember when Corona first first first came out,

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Speaker 1: of course we all ran to ask him, and he

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Speaker 1: what's happening now is exactly what he said was going

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Speaker 1: to happen. He's like, honestly, the vast majority of people

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Speaker 1: at some point are going to get COVID. Most people

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Speaker 1: will be fine, some people will actually get sick, and

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Speaker 1: you know, and some people will get sick and in past,

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Speaker 1: but you know, not the majority of people. But I

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Speaker 1: just remember thinking, like, no, most people can't get it.

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Speaker 1: He's like, no, most people at some point are going

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Speaker 1: to get COVID, and maybe we won't even know they

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Speaker 1: have it. Like for example, in Newark where I live.

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Speaker 1: So New Jersey is ten percent of the population currently

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Speaker 1: has COVID, this is what they're estimating. And Newark is

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Speaker 1: up to twenty. But that's because of one particular area

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Speaker 1: in Newark. It's the Ironbound section. It's largely Portuguese and

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Speaker 1: it's a community that is super community oriented, like lots

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Speaker 1: of families live together. It's also really tight enit. They're

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Speaker 1: not that many parking spots, so people walk a lot.

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Speaker 1: I mean, you can go into like it's one of

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Speaker 1: my favorite places to eat because the food is amazing.

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Speaker 2: You can go you could walk from spot to spot

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Speaker 2: to spot. So I'm not surprised they're up to forty percent.

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Speaker 1: Oh, because of the close quarters and so you know

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Speaker 1: when he said, you know, most people at some point

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Speaker 1: are going to give COVID, and this is what he

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Speaker 1: told me in the very very beginning when it broke,

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Speaker 1: I didn't really see how that was possible, and now

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Speaker 1: I see how it could run the population.

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Speaker 2: So I'm just hoping.

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Speaker 1: That these vaccines work because honestly, it's like, how do

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Speaker 1: we get back to normal life if there's not a vaccine?

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Speaker 3: You know, Well, there's also you know, I think there

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Speaker 3: are some treatments and some what are they called some

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Speaker 3: some therapies, some types of therapies that have proven to

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Speaker 3: be effective against COVID, Like when you're when you're being

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Speaker 3: treated for it in the hospital, you know, maybe they'll

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Speaker 3: come up with something and continue to advance, you know,

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Speaker 3: the types of medical care you can receive if you

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Speaker 3: get it. It's just a big unknown, and you know,

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Speaker 3: I think people are also afraid of potential long term

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Speaker 3: impacts of COVID. You know, we don't necessarily know what

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Speaker 3: the long term implications can be. You know, will you

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Speaker 3: have like long issues in the future. I do feel

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Speaker 3: like shit, I mean, I don't know that I haven't

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Speaker 3: had it. I don't know that I've not had it

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Speaker 3: because I obviously don't get tested every day. When I

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Speaker 3: have been tested, it's negative. But part of me is

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Speaker 3: just like, Okay, we just got to hang in there, y'all, listen.

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Speaker 3: Like I have had some family, close family who's who's

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Speaker 3: gotten it in other states. But I'm just like let's

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Speaker 3: just keep it together. Can we just not get COVID?

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Speaker 3: Just hang in there so I and I understand what

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Speaker 3: you're saying about you and your brother in law about

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Speaker 3: you know, community spread, and eventually people will get it,

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Speaker 3: just just because that's that's the nature of these things.

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Speaker 3: But I think we can agree that in the US

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Speaker 3: it did not have to.

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Speaker 1: Be this bad.

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Speaker 3: It did not It did not have to be if

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Speaker 3: y'all just wore your damn masks, if there wasn't I mean,

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Speaker 3: if I mean, honestly, I mean, it should be criminal

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Speaker 3: what people like what the Trump administration has put out

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Speaker 3: there in terms of trying to break people's trust in

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Speaker 3: medicine and in science. It should be criminal because I

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Speaker 3: really do think it's caused lives, and you know, I

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Speaker 3: just that it's kind of like when you I think

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Speaker 3: of it the way that my mom would think about

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Speaker 3: me going out and learning to drive. She's like, baby,

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Speaker 3: I'm not afraid of you not being a good driver.

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Speaker 3: It's everyone else on the road that's the problem.

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Speaker 2: I agree, And.

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Speaker 3: I think that's the thing with COVID. It's it's maybe

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Speaker 3: you're taking all your precautions and wearing your mask and

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Speaker 3: limiting where you go. And you go to the one event,

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Speaker 3: but how do you trust everyone else at that event

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Speaker 3: has been you know, I can't as you have. So yeah,

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Speaker 3: here I sit in this that's.

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Speaker 1: I'm ordering everything all I'm like, shut and I'm like,

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Speaker 1: who's on my list? My saying a list naughty or nice?

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Speaker 1: I'm like, everything's coming directly to the house. I'm just

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Speaker 1: like I'm not. I have not even like thankfully, I

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Speaker 1: see that, you know, the folks have brought up all

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Speaker 1: the toilet paper as usual.

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Speaker 3: But really I thought we were over this, I know.

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Speaker 1: So what I did was last time, when when things

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Speaker 1: were decent, I knew it was going to happen again, honestly,

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Speaker 1: So when things were decent, had gone to Costco maybe

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Speaker 1: like two months ago and got like four months worth

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Speaker 1: of stuff because I was just like, I don't like

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Speaker 1: going food shopping or anything shopping really, so we are

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Speaker 1: still living off of that. We have plenty, So I

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Speaker 1: just but I remember that that was going to happen.

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Speaker 1: Besidewhile this is random, do you have one of those?

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Speaker 1: This is for the audience too, because they're kind of pricey,

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Speaker 1: so you know me, I'm not really one for spending

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Speaker 1: a ton of money, you know, those like is that

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Speaker 1: a temperate tempora pedic bed? What's the beds that go

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Speaker 1: that go up and down?

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Speaker 3: I think that's gonna be repedic.

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Speaker 2: Yeah right, But so I lately, like my like, my

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Speaker 2: shoulder has been like killing me. I'm a I'm a

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Speaker 2: shoulder sleeper, and I don't know if it's just because

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Speaker 2: of age.

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Speaker 1: And so my husband too, he's like, oh, my shoulder.

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Speaker 1: I'm like you too, it's but you know, our bet

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Speaker 1: is not that old. It's maybe like a year and

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Speaker 1: a half old. And lately our shoulders have been like

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Speaker 1: killing us because we're both like shoulders. I'm a I'm

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Speaker 1: a stomach sleeper and a shoulder sleeper.

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Speaker 2: It depends.

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Speaker 1: But I don't know what I'm doing in the middle

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Speaker 1: of the night, you know. But I'm like, lately my

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Speaker 1: shoulder has been killing me, and I'm like, is that

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Speaker 1: I want to bed? I know it's gonna cost because

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Speaker 1: beds always cost a bajillion dollars, But for those of

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Speaker 1: you are out there with those temper pedic whatever bajillion

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Speaker 1: dollar beds, is it worth it now that my body's

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Speaker 1: getting all beat.

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Speaker 2: Up and old?

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Speaker 1: I'm like, oh, I can't even sleep on my shoulder anymore.

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Speaker 1: Roman is right, you almost forty, except for I'm not almost.

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Speaker 1: I am forty forty one. Yeah, I know it sounds random,

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Speaker 1: but I'm like, cause you know, it's one of those

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Speaker 1: things where it's like Peloton, it's expensive, but it seems

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Speaker 1: to be worth the price because you love yours and honestly,

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Speaker 1: most people that I know that paid for Peloton, I

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Speaker 1: have to say I haven't. I've heard very few people

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Speaker 1: that have said I regret it, but like of my

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Speaker 1: friends that I've bought it, but is it one of

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Speaker 1: those buys where it's like, girl, I didn't need this tempopedic,

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Speaker 1: like it feels the same as my regular bed, or

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Speaker 1: you're like, girl, it's expensive, but it's so worth it.

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Speaker 2: So I'd love to.

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Speaker 3: Now, hold on't get me started on a peloton. I'm

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Speaker 3: going to make a hard left from that topic because

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Speaker 3: I will go on and on. I'm turning into one

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Speaker 3: of those people. Okay, back to mattresses. I would say,

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Speaker 3: talk to a chiropractor or talk to like someone on

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Speaker 3: there such thing as a yeah chiropractor is a back doctor, right,

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Speaker 3: and just see what they think about the temper pedick

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Speaker 3: and where you're having pain, because if you're going to

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Speaker 3: sleep on your shoulder regardless, maybe it's just you shouldn't

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Speaker 3: do that anymore, I know, on your back.

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Speaker 1: Like if I wake up in the middle of the

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Speaker 1: night and I realize I am, i roll on to

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Speaker 1: my back. But you know, you're like you don't know

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Speaker 1: when you're sleeping because you know when the sleep gets

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Speaker 1: good to you get in your comfort position.

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Speaker 2: And I'm just lately, I'm like.

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Speaker 3: If you're like squishing your shoulder, but I wholeheartedly believe

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Speaker 3: in a good night's sleep. Whatever you need to get there.

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Speaker 3: Like it's a crime that I have not replaced my

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Speaker 3: lumpy ass sad pillow in a long time because I

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Speaker 3: have all this neck pain when I wake up. I

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Speaker 3: need to do that. So while you guys are giving

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Speaker 3: tiffany mattress recommendations, let me know, holler about a good pillow.

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Speaker 1: Yes, because if you had, if you had, if you're

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Speaker 1: I'm man if was sure that it's the mattress, you know,

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Speaker 1: like I said, it's not some cheap mattress. But I'm

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Speaker 1: just like, oh, is this age, this is how we

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Speaker 1: live now? Is this half your little stretch my shoulder, like,

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Speaker 1: is this life? Now?

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Speaker 2: I don't want it to be life?

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Speaker 3: Listen, Oh, man aging is a privilege, right, it is

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Speaker 3: a privilege. All right, Well, should we take a quick

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Speaker 3: break and come back to answer some questions from other people?

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Speaker 2: Yes? We should?

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Speaker 3: All right, be right back guys with y'all's questions. All right,

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Speaker 3: we are back with your questions. We love when you

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Speaker 3: guys send us your questions. You can hit us up

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Speaker 3: at Brand Ambition Podcast on Instagram or Brand Ambition Podcast.

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Speaker 2: At gmail dot com.

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Speaker 3: Your old school. All right, let's uh, let's shake up

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Speaker 3: this reader mail bag. Tiffany, I don't know if you remember, well, silly,

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Speaker 3: of course you remember because you were interviewed for their

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Speaker 3: freaking New York Times about this but a few months ago,

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Speaker 3: doesn't it feel like years over the summer when you

430
00:20:02,359 --> 00:20:05,200
Speaker 3: were interviewed in the Times about your experience with your

431
00:20:05,359 --> 00:20:07,480
Speaker 3: the home appraisal experience because you were gonna what were

432
00:20:07,480 --> 00:20:09,119
Speaker 3: you gonna do? You're gonna get a cash out REFI

433
00:20:09,359 --> 00:20:11,560
Speaker 3: on the investment property that y'all.

434
00:20:11,520 --> 00:20:13,080
Speaker 1: On the on the on my primary house because it's

435
00:20:13,080 --> 00:20:14,639
Speaker 1: paid off. I was basically, I want to pull out

436
00:20:14,680 --> 00:20:16,720
Speaker 1: the money that the house was worth at least partially

437
00:20:16,960 --> 00:20:19,800
Speaker 1: because I wanted to invest it. So yeah, so we

438
00:20:19,800 --> 00:20:22,600
Speaker 1: we we Basically you have to go through almost as

439
00:20:22,600 --> 00:20:24,359
Speaker 1: if you're buying a house. You have to you know,

440
00:20:24,359 --> 00:20:27,399
Speaker 1: go to like a mortgage broker and and they have

441
00:20:27,480 --> 00:20:29,320
Speaker 1: to send a praiser to your house and how is

442
00:20:29,359 --> 00:20:32,520
Speaker 1: it worth? And I was like that seems low and yeah,

443
00:20:32,560 --> 00:20:33,119
Speaker 1: and it was.

444
00:20:33,640 --> 00:20:35,480
Speaker 2: But yeah, so I remember that. I remember.

445
00:20:35,560 --> 00:20:37,960
Speaker 3: I remember around that same time we were talking about it,

446
00:20:38,000 --> 00:20:40,040
Speaker 3: there was that viral video and y'all still we still

447
00:20:40,040 --> 00:20:43,840
Speaker 3: get messages from listeners forwarding us this story of the

448
00:20:43,880 --> 00:20:46,240
Speaker 3: where were they from? Florida? I think there was a

449
00:20:46,280 --> 00:20:50,919
Speaker 3: biracial couple, black women as black guys white and they

450
00:20:51,400 --> 00:20:54,399
Speaker 3: they experimented because their appraisal came in low for their house.

451
00:20:54,560 --> 00:20:57,120
Speaker 3: And the woman was like, Okay, I'm going to take

452
00:20:57,160 --> 00:21:01,679
Speaker 3: down all the black art, all the black paraphernalia, whatever

453
00:21:01,920 --> 00:21:03,880
Speaker 3: indicators that I'm black, And by the way, I'm gonna

454
00:21:03,880 --> 00:21:06,240
Speaker 3: take my own black self and our child and go

455
00:21:06,320 --> 00:21:08,360
Speaker 3: somewhere else when the appraiser comes back and just leave

456
00:21:08,359 --> 00:21:11,280
Speaker 3: my white husband. And of course, the appraisal came in

457
00:21:11,359 --> 00:21:15,760
Speaker 3: again above expectations. And what was interesting about this, you know,

458
00:21:15,880 --> 00:21:18,159
Speaker 3: the past few months is it does feel like people

459
00:21:18,200 --> 00:21:21,320
Speaker 3: are more willing to discuss racism and how it can

460
00:21:21,400 --> 00:21:24,200
Speaker 3: hurt people in terms of home value. But I wanted

461
00:21:24,240 --> 00:21:27,439
Speaker 3: to preface, like say all that because the question, our

462
00:21:27,440 --> 00:21:30,960
Speaker 3: first question actually comes from someone who's who says that

463
00:21:31,000 --> 00:21:34,560
Speaker 3: they're refinancing their home, which means an appraiser is coming

464
00:21:34,760 --> 00:21:37,520
Speaker 3: to appraise it. They want to know, how do I

465
00:21:37,560 --> 00:21:42,240
Speaker 3: make sure I'm not a victim of anti black racism? Tiffany, Well,

466
00:21:43,480 --> 00:21:46,840
Speaker 3: how do you erase your blackness? Well, it's freaking sad.

467
00:21:47,560 --> 00:21:51,199
Speaker 1: It is, And I would say this one. You want

468
00:21:51,240 --> 00:21:53,480
Speaker 1: to look at your appraisal. So this is what the

469
00:21:53,480 --> 00:21:56,320
Speaker 1: New York Times did for me. They asked me for

470
00:21:56,440 --> 00:21:58,880
Speaker 1: my appraisal and I was like okay, And then once

471
00:21:58,920 --> 00:22:01,480
Speaker 1: she when the report came back, they didn't end up

472
00:22:01,560 --> 00:22:03,040
Speaker 1: using me for the story because there are people.

473
00:22:02,800 --> 00:22:04,960
Speaker 2: Who had way worse thing, which is terrible.

474
00:22:05,280 --> 00:22:07,880
Speaker 1: But she gave me the feedback of like what their

475
00:22:07,920 --> 00:22:11,840
Speaker 1: independent appraiser said that he was looking for. So they're

476
00:22:11,880 --> 00:22:15,920
Speaker 1: looking for one, are the comparables which ours weren't. Are

477
00:22:15,960 --> 00:22:19,679
Speaker 1: they comparable? So comparable is other homes in the area

478
00:22:20,119 --> 00:22:24,480
Speaker 1: that have recently sold, and they are are kind of

479
00:22:24,480 --> 00:22:26,359
Speaker 1: a match for your home. They have three bedrooms, you

480
00:22:26,359 --> 00:22:28,440
Speaker 1: have three bedrooms. They have two bathrooms, You have two bathrooms.

481
00:22:28,880 --> 00:22:31,800
Speaker 1: They're you know, twenty five hundred twenty five one hundred

482
00:22:31,800 --> 00:22:34,600
Speaker 1: scrap feet you're twenty five hundred squriffeet Are they comparable? Like,

483
00:22:34,640 --> 00:22:38,800
Speaker 1: for example, for our home, we had recently renovated, like

484
00:22:38,840 --> 00:22:40,919
Speaker 1: I'm talking about, like you know, new plumbing, new electric,

485
00:22:40,960 --> 00:22:44,040
Speaker 1: new everything. The comps that they had and our appraisal

486
00:22:44,080 --> 00:22:46,320
Speaker 1: were not renovated at all. Some of them were actually

487
00:22:46,400 --> 00:22:50,960
Speaker 1: like really broken down. So you're literally comparing apple to

488
00:22:51,000 --> 00:22:51,800
Speaker 1: spoiled apples.

489
00:22:51,800 --> 00:22:54,040
Speaker 2: So that's one, that's what you're going to look for. Two.

490
00:22:54,119 --> 00:22:56,919
Speaker 1: Some other ways that sometimes appraisers can get sneaky with

491
00:22:56,960 --> 00:23:01,480
Speaker 1: it is that they will budge the rooms sizes. So

492
00:23:02,040 --> 00:23:04,959
Speaker 1: know what, what are the dimensions of your bedrooms, of

493
00:23:05,000 --> 00:23:07,560
Speaker 1: your bathrooms, of your common areas? To make sure that

494
00:23:08,160 --> 00:23:10,520
Speaker 1: the dimensions of your home are they is it the

495
00:23:10,520 --> 00:23:13,000
Speaker 1: same what's in the appraisal? You know?

496
00:23:14,320 --> 00:23:17,399
Speaker 3: Also Two, can you ask for a copy? I forget

497
00:23:17,600 --> 00:23:20,119
Speaker 3: Actually yeah, I remember getting a copy of my appraisal

498
00:23:20,200 --> 00:23:22,000
Speaker 3: now that I'm talking out loud, So you should definitely

499
00:23:22,080 --> 00:23:22,560
Speaker 3: review that.

500
00:23:23,200 --> 00:23:26,359
Speaker 1: Yeah, and you can get it typically because it's the

501
00:23:26,680 --> 00:23:30,760
Speaker 1: it's the bank, because the bank is wanting to see

502
00:23:31,720 --> 00:23:35,240
Speaker 1: how much is this house worth if for whatever reason,

503
00:23:35,400 --> 00:23:38,080
Speaker 1: you cannot afford this mortgage. If I have to snatch

504
00:23:38,119 --> 00:23:41,000
Speaker 1: this house from you, will I get my money back?

505
00:23:41,160 --> 00:23:44,440
Speaker 1: So it's the bank that is in charge of the appraiser,

506
00:23:45,040 --> 00:23:47,399
Speaker 1: of picking the appraiser, sending them out and getting you

507
00:23:47,440 --> 00:23:49,639
Speaker 1: the report. So you have to ask you you typically

508
00:23:49,680 --> 00:23:51,600
Speaker 1: they'll send it to you the bank, but you could say, hey,

509
00:23:51,600 --> 00:23:52,800
Speaker 1: can I get my appraisal report?

510
00:23:53,160 --> 00:23:55,320
Speaker 2: So you're looking for things like that something else too.

511
00:23:56,400 --> 00:23:59,119
Speaker 1: There's a code that they give you, and I believe

512
00:23:59,160 --> 00:24:02,560
Speaker 1: it starts with the A sea. It's like C one,

513
00:24:02,560 --> 00:24:06,240
Speaker 1: C two, C three. This is how our racist appraiser

514
00:24:06,359 --> 00:24:09,000
Speaker 1: tried to get over is that he knew the house

515
00:24:09,119 --> 00:24:12,400
Speaker 1: was newly renovated. And there's a code like C two

516
00:24:12,560 --> 00:24:15,360
Speaker 1: for example, for brand new renovated house. Not brand new house,

517
00:24:15,359 --> 00:24:18,080
Speaker 1: but newly renovated house. He put us down for C

518
00:24:18,280 --> 00:24:21,879
Speaker 1: three normal wear and tear house. So there's a cap

519
00:24:21,960 --> 00:24:24,879
Speaker 1: for how much house that is not renovated can be

520
00:24:24,960 --> 00:24:27,360
Speaker 1: worth versus a house that we hadn't even lived here

521
00:24:27,400 --> 00:24:29,320
Speaker 1: for five months. Yet when we got it and he

522
00:24:29,440 --> 00:24:32,880
Speaker 1: kept remarking, upon wasn't an accident, it was intentionally done

523
00:24:32,920 --> 00:24:34,960
Speaker 1: because he was this is what's so funny. He was

524
00:24:35,040 --> 00:24:37,720
Speaker 1: so nice and he kept saying, this house.

525
00:24:37,560 --> 00:24:40,359
Speaker 2: Is so beautiful, beautiful in the house when he came,

526
00:24:41,200 --> 00:24:42,560
Speaker 2: this renovation is so great.

527
00:24:42,800 --> 00:24:44,760
Speaker 1: So he said those things, hi stuff, and we said, yep,

528
00:24:44,760 --> 00:24:47,120
Speaker 1: were newly renovated and new plumbing, new electric. We showed

529
00:24:47,200 --> 00:24:49,320
Speaker 1: him all the new pipes, everything. So for him to

530
00:24:49,359 --> 00:24:53,639
Speaker 1: put down this to classify us as a house that

531
00:24:53,680 --> 00:24:56,080
Speaker 1: has not been renovated but in fact has normal wear

532
00:24:56,080 --> 00:24:58,480
Speaker 1: and tear, which we say, which we for example, like

533
00:24:58,520 --> 00:25:00,720
Speaker 1: my parents' house, it is well cut, but that's not

534
00:25:00,800 --> 00:25:02,240
Speaker 1: newly renovated, you know.

535
00:25:02,400 --> 00:25:04,840
Speaker 2: So those are things you want to look out for too.

536
00:25:04,880 --> 00:25:06,960
Speaker 1: So when that happens, what you can do is your

537
00:25:06,960 --> 00:25:09,359
Speaker 1: recourse is you can report them. There's like a if

538
00:25:09,760 --> 00:25:11,600
Speaker 1: you do your Google's, there's like a report. There's a

539
00:25:11,680 --> 00:25:14,440
Speaker 1: special agency I can't remember where you can report appraisers.

540
00:25:14,440 --> 00:25:18,720
Speaker 1: But even better, you want to go back to the

541
00:25:19,480 --> 00:25:23,720
Speaker 1: to the mortgage, your lender and say, hey, this appraisal

542
00:25:23,880 --> 00:25:28,160
Speaker 1: seems under here are the discrepancies you might also want

543
00:25:28,160 --> 00:25:31,840
Speaker 1: to reach out to your personal your realtor and ask

544
00:25:31,840 --> 00:25:36,400
Speaker 1: them to pull like equitable comps so they can show like, oh,

545
00:25:36,480 --> 00:25:39,720
Speaker 1: the comparables in this area, say otherwise than what the

546
00:25:39,760 --> 00:25:40,960
Speaker 1: appraiser has put in here.

547
00:25:41,840 --> 00:25:42,400
Speaker 2: It's so crazy.

548
00:25:42,440 --> 00:25:45,240
Speaker 1: Like I said, I'm working on a law with Assembly

549
00:25:45,320 --> 00:25:46,119
Speaker 1: Women Angelobe M.

550
00:25:46,160 --> 00:25:47,720
Speaker 2: Knight in the state of New Jersey to make.

551
00:25:47,640 --> 00:25:52,880
Speaker 1: It illegal to appraise someone's house lower or higher based

552
00:25:52,920 --> 00:25:56,800
Speaker 1: upon their gender, their sexual orientation, or their race, because

553
00:25:56,800 --> 00:25:59,280
Speaker 1: even though they're not allowed to, it is not there's

554
00:25:59,280 --> 00:26:02,640
Speaker 1: no legal statute that I want the statue to say.

555
00:26:02,640 --> 00:26:05,359
Speaker 1: If you're caught doing so, you lose your license. So

556
00:26:05,400 --> 00:26:08,680
Speaker 1: you think once twice thrice about walking into a black

557
00:26:08,720 --> 00:26:12,720
Speaker 1: home in New Jersey and appraising otherwise. Yeah, So unfortunately

558
00:26:12,800 --> 00:26:15,159
Speaker 1: that's that's like, that's the recourse that you have. And

559
00:26:16,160 --> 00:26:17,680
Speaker 1: at the end of the day, you know the bank

560
00:26:17,720 --> 00:26:20,119
Speaker 1: wants a fair appraisal because you know, they're wanting to

561
00:26:20,119 --> 00:26:22,520
Speaker 1: make sure they get their their money, so they have

562
00:26:22,600 --> 00:26:24,199
Speaker 1: to take the house so you can go back to

563
00:26:24,240 --> 00:26:26,760
Speaker 1: the bank and they can send out another appraiser. Now,

564
00:26:26,760 --> 00:26:29,919
Speaker 1: the problem is is that you pay for the appraisal.

565
00:26:30,200 --> 00:26:32,440
Speaker 1: So it's frustrating because I think my appraisal was like

566
00:26:32,440 --> 00:26:34,720
Speaker 1: maybe like eight hundred bucks. So if I wanted to

567
00:26:34,720 --> 00:26:36,920
Speaker 1: pay for another appraisal that might be another eight hundred bucks,

568
00:26:36,960 --> 00:26:40,480
Speaker 1: then you might not have that. So yeah, it's it's

569
00:26:40,640 --> 00:26:43,480
Speaker 1: it's not fun times over there when you're when you're worried.

570
00:26:43,520 --> 00:26:46,720
Speaker 3: But I do think, do you think, because I mean,

571
00:26:47,160 --> 00:26:49,439
Speaker 3: you know, it's still an it's an ongoing issue and

572
00:26:49,480 --> 00:26:52,840
Speaker 3: it kills me. But do you think and you your

573
00:26:52,880 --> 00:26:55,040
Speaker 3: plan originally was to like not be in the house,

574
00:26:55,080 --> 00:26:57,080
Speaker 3: right you're going to have a white friend. I mean,

575
00:26:57,119 --> 00:26:58,520
Speaker 3: do you think that people should do that?

576
00:26:58,960 --> 00:27:01,480
Speaker 2: Yes? Is that absolutely sad?

577
00:27:01,640 --> 00:27:03,600
Speaker 3: Is that the tip just go don't be there?

578
00:27:04,080 --> 00:27:05,439
Speaker 2: Yea, honestly, because here's the thing.

579
00:27:05,440 --> 00:27:07,720
Speaker 1: It's almost like saying like if I do I think

580
00:27:07,760 --> 00:27:11,680
Speaker 1: that like in you know, in Mississippi at night, should

581
00:27:11,720 --> 00:27:12,560
Speaker 1: I walk the streets?

582
00:27:12,600 --> 00:27:14,520
Speaker 2: Absolutely not not as a black person.

583
00:27:15,000 --> 00:27:19,040
Speaker 1: So I my plan was, and honestly, it's a shame

584
00:27:19,160 --> 00:27:21,600
Speaker 1: that I have to make this recommendation that if you

585
00:27:21,680 --> 00:27:23,840
Speaker 1: are black, to take down your black pictures. I see

586
00:27:23,880 --> 00:27:26,320
Speaker 1: we took down our pictures and things, but we were here.

587
00:27:26,400 --> 00:27:29,400
Speaker 1: My plan was to have my friend Catherine, she's white,

588
00:27:30,160 --> 00:27:31,720
Speaker 1: for her to be me because you don't have to

589
00:27:31,720 --> 00:27:35,600
Speaker 1: be here. You can anybody can say hey, I'm Tiffany, and.

590
00:27:35,560 --> 00:27:36,400
Speaker 2: So that was my plan.

591
00:27:36,440 --> 00:27:40,159
Speaker 1: But it was literally in March when the pandemic hit

592
00:27:40,240 --> 00:27:41,919
Speaker 1: and it got to be really crazy and we were

593
00:27:41,920 --> 00:27:44,760
Speaker 1: heavily quarantined, so she couldn't come here.

594
00:27:45,080 --> 00:27:46,960
Speaker 2: So that was my plan to not be here.

595
00:27:47,000 --> 00:27:49,080
Speaker 1: I know we would have gotten a different outcome, honestly,

596
00:27:50,280 --> 00:27:52,520
Speaker 1: but yeah, it's some shame that you have to even

597
00:27:52,560 --> 00:27:57,320
Speaker 1: think like that, but absolutely mm hm.

598
00:27:58,240 --> 00:28:00,520
Speaker 3: Well thank you for Actually I realized she sent us

599
00:28:00,520 --> 00:28:03,040
Speaker 3: a question before that that's mostly the answer. This really

600
00:28:03,080 --> 00:28:04,959
Speaker 3: quick because I don't want her thinking that, you know,

601
00:28:05,000 --> 00:28:08,040
Speaker 3: we ignore her other question. This is an interesting one.

602
00:28:08,080 --> 00:28:12,160
Speaker 3: She said, Well, this isn't necessarily new, but she's looking

603
00:28:12,200 --> 00:28:15,199
Speaker 3: at her bank account and how the interest rates for

604
00:28:15,280 --> 00:28:18,480
Speaker 3: savings have gone down to, you know, much lower, so

605
00:28:18,560 --> 00:28:21,439
Speaker 3: an online only bank, y'all know, we love our online

606
00:28:21,440 --> 00:28:24,040
Speaker 3: only banks because they tend to offer rates that are way, way,

607
00:28:24,040 --> 00:28:27,719
Speaker 3: way higher than national savings rates, especially for big banks.

608
00:28:28,160 --> 00:28:31,080
Speaker 3: She asks, what's your perspective on taking some money out

609
00:28:31,080 --> 00:28:33,760
Speaker 3: of my savings account and putting it towards stocks or

610
00:28:33,800 --> 00:28:37,119
Speaker 3: an ETF to ensure my money is working for me.

611
00:28:38,080 --> 00:28:42,560
Speaker 1: Well, here is my perspective that your emergency fund is

612
00:28:42,600 --> 00:28:46,200
Speaker 1: your first line of events, and if you are going

613
00:28:46,240 --> 00:28:47,960
Speaker 1: to invest some of it, I would leave.

614
00:28:47,840 --> 00:28:50,840
Speaker 2: At least at least three.

615
00:28:50,680 --> 00:28:56,040
Speaker 1: Months liquid cash available to you, because if something should happen,

616
00:28:56,560 --> 00:28:58,959
Speaker 1: it gives you three months to figure out how are

617
00:28:58,960 --> 00:29:00,800
Speaker 1: you going to sell some I said, are you gonna

618
00:29:00,840 --> 00:29:01,400
Speaker 1: sell some stocks?

619
00:29:01,440 --> 00:29:03,920
Speaker 2: Are you gonna are you gonna liquidate some things? You know? Whatever?

620
00:29:03,960 --> 00:29:04,560
Speaker 2: That looks like.

621
00:29:04,640 --> 00:29:06,600
Speaker 1: So a lot of people ask me that, A lot

622
00:29:06,640 --> 00:29:08,560
Speaker 1: like ooh girl, like I have six months or I

623
00:29:08,560 --> 00:29:11,120
Speaker 1: have got my three months and it's not making any money.

624
00:29:11,200 --> 00:29:15,000
Speaker 2: It's not that is not supposed to Yeah.

625
00:29:15,040 --> 00:29:16,640
Speaker 3: Right, it's not supposed to work. You don't need to

626
00:29:16,680 --> 00:29:19,040
Speaker 3: expect that. I think people are expecting too much other

627
00:29:19,080 --> 00:29:19,640
Speaker 3: little safety.

628
00:29:19,720 --> 00:29:22,160
Speaker 1: Yeah, it's almost like you get hurt, right, and you're like,

629
00:29:22,240 --> 00:29:23,680
Speaker 1: my band aid's not cute, girl.

630
00:29:24,240 --> 00:29:25,240
Speaker 2: The band is not about.

631
00:29:25,000 --> 00:29:28,720
Speaker 3: Cute body it belongs or is it okay?

632
00:29:29,000 --> 00:29:31,600
Speaker 1: It's worth Yes, the band aid is literally there to

633
00:29:31,640 --> 00:29:34,680
Speaker 1: protect your your skin from further infection. That's literally it.

634
00:29:34,760 --> 00:29:36,800
Speaker 1: And then you know you can put on other things

635
00:29:36,800 --> 00:29:38,720
Speaker 1: to make yourself cute. So at the very least keep

636
00:29:38,760 --> 00:29:41,640
Speaker 1: your three months, I say six months or more. I'm

637
00:29:41,400 --> 00:29:43,760
Speaker 1: I'm I'm at a one year because I just like,

638
00:29:43,760 --> 00:29:47,760
Speaker 1: I'm super paranoid. But yeah, it's it's literally supposed to

639
00:29:47,760 --> 00:29:50,480
Speaker 1: be there, to be like it's an actual emergency. Who

640
00:29:50,600 --> 00:29:53,120
Speaker 1: thank goodness, I have some money here, not at it's

641
00:29:53,160 --> 00:29:55,360
Speaker 1: an emergency. Oh my gosh, the market is down. We

642
00:29:55,360 --> 00:29:56,840
Speaker 1: actually don't have as much money as we thought.

643
00:29:56,840 --> 00:29:57,720
Speaker 2: We did. What we're gonna do?

644
00:29:58,320 --> 00:30:01,000
Speaker 3: No, yeah, exactly you should when you put money in

645
00:30:01,000 --> 00:30:03,360
Speaker 3: the savings account, you should think of it and its

646
00:30:03,400 --> 00:30:05,920
Speaker 3: purpose a lot differently, and it's to be there for you.

647
00:30:06,000 --> 00:30:08,240
Speaker 3: It's and I guess maybe you know, we can take

648
00:30:08,280 --> 00:30:10,960
Speaker 3: some response, but we do get very excited about savings

649
00:30:11,040 --> 00:30:13,320
Speaker 3: rates and online only banks, which is great. It's nice

650
00:30:13,320 --> 00:30:15,440
Speaker 3: to make some money off your money, but it's not

651
00:30:15,480 --> 00:30:17,720
Speaker 3: the you know, that's not the primary reason that you're

652
00:30:17,840 --> 00:30:19,720
Speaker 3: you know, putting that savings. I don't really consider my

653
00:30:19,760 --> 00:30:24,360
Speaker 3: savings a technically an investment unless you're talking about investing

654
00:30:24,360 --> 00:30:27,440
Speaker 3: against or protecting me from future risks. But uh yeah,

655
00:30:27,520 --> 00:30:31,280
Speaker 3: definitely a fair question. All right, let's move on to

656
00:30:31,520 --> 00:30:39,520
Speaker 3: a last question. Do okay, whoa You're just going to

657
00:30:39,600 --> 00:30:42,240
Speaker 3: ignore that sound of pots and pans falling on the

658
00:30:42,240 --> 00:30:45,040
Speaker 3: floor upstairs. All right. This comes from listener who wants

659
00:30:45,040 --> 00:30:47,360
Speaker 3: to go with a name Yes men love it Yeah,

660
00:30:47,360 --> 00:30:49,920
Speaker 3: and then says I have one thousand dollars left to

661
00:30:49,920 --> 00:30:51,920
Speaker 3: pay off my card note, which I intend to pay

662
00:30:51,920 --> 00:30:54,520
Speaker 3: off in December. I recently did a balance transfer with

663
00:30:54,560 --> 00:30:57,400
Speaker 3: my credit union for ten thousand dollars at zero percent

664
00:30:57,440 --> 00:31:00,760
Speaker 3: for twenty two months, but I've still got six thousand

665
00:31:00,840 --> 00:31:03,760
Speaker 3: dollars on another credit card with an APR of twenty

666
00:31:03,880 --> 00:31:07,720
Speaker 3: point four percent APR. I've been focusing on paying off

667
00:31:07,760 --> 00:31:10,160
Speaker 3: debt and less on savings during the pandemic, since my

668
00:31:10,200 --> 00:31:13,760
Speaker 3: overall expenditures have decreased. But as I begin to restructure

669
00:31:13,800 --> 00:31:16,520
Speaker 3: my finances so I no longer have a car loan

670
00:31:16,560 --> 00:31:19,800
Speaker 3: to pay on, I'm wondering where I should allocate those funds.

671
00:31:20,080 --> 00:31:22,920
Speaker 3: Do you recommend paying off my other credit card or

672
00:31:22,920 --> 00:31:26,560
Speaker 3: aggressively paying off the balance transfer credit card which has

673
00:31:26,600 --> 00:31:29,959
Speaker 3: ten thousand dollars on it, or with all the pandemic uncertainty,

674
00:31:29,960 --> 00:31:33,480
Speaker 3: should I put money in savings. Thank you for your recommendation.

675
00:31:34,840 --> 00:31:36,520
Speaker 3: This was interesting, Yasmin.

676
00:31:37,600 --> 00:31:42,440
Speaker 1: YESI girl, so it's not like me that guess he

677
00:31:42,520 --> 00:31:46,120
Speaker 1: doesn't have much in savings, which makes me, and I'm

678
00:31:46,120 --> 00:31:50,320
Speaker 1: sure you, Mandy, because you know we're savaholics, very nervous.

679
00:31:51,480 --> 00:31:53,120
Speaker 1: I'm glad that, you know, I mean, I'm glad that

680
00:31:53,120 --> 00:31:56,720
Speaker 1: you're being more responsible, you know, kind of like reconfiguring

681
00:31:56,800 --> 00:31:59,800
Speaker 1: your your your debt so you can pay less and

682
00:32:00,480 --> 00:32:02,840
Speaker 1: the money that you do pay out has packed more

683
00:32:02,880 --> 00:32:06,040
Speaker 1: of a punch. But it's Showtime synergy. Some of y'all

684
00:32:06,040 --> 00:32:08,200
Speaker 1: don't know what that's from. Where's that from, Mandy? It's

685
00:32:08,200 --> 00:32:09,040
Speaker 1: Showtime energy?

686
00:32:09,480 --> 00:32:12,040
Speaker 3: Come on, Mandy, Wait, wait a second, because did you

687
00:32:12,080 --> 00:32:14,160
Speaker 3: say that on a previous episode, because I got an

688
00:32:14,160 --> 00:32:19,000
Speaker 3: email about it. Yes, y'all said y'all, and I was like,

689
00:32:19,040 --> 00:32:19,720
Speaker 3: I don't think it.

690
00:32:19,640 --> 00:32:22,840
Speaker 2: Was me, but it was, well, you know, to be fair,

691
00:32:22,920 --> 00:32:24,320
Speaker 2: you I don't even know. No.

692
00:32:24,920 --> 00:32:26,960
Speaker 1: So it's Gem and the Holograms. I used to watch

693
00:32:27,000 --> 00:32:28,360
Speaker 1: when I was in the second grade, so clearly you

694
00:32:28,400 --> 00:32:29,360
Speaker 1: were like Rio's age.

695
00:32:29,240 --> 00:32:30,120
Speaker 2: At that time. If that.

696
00:32:31,240 --> 00:32:34,280
Speaker 1: Yeah, So what happened in Jem and the Holograms is

697
00:32:34,280 --> 00:32:37,800
Speaker 1: that she used to wear these these star earrings and

698
00:32:39,120 --> 00:32:42,400
Speaker 1: Jericho was like the Clark Kent and then Jim was Superman,

699
00:32:42,480 --> 00:32:44,680
Speaker 1: so she would touch the ear rings and say it's

700
00:32:44,720 --> 00:32:47,440
Speaker 1: showtime synergy and she would turn into gem. So I'm

701
00:32:47,480 --> 00:32:50,640
Speaker 1: just sharing that, like basically, now was the time to

702
00:32:50,720 --> 00:32:54,160
Speaker 1: take like we're in it, now, you're on stage. You

703
00:32:54,200 --> 00:32:58,560
Speaker 1: should have savings because if things don't, if things go left,

704
00:32:59,040 --> 00:33:01,800
Speaker 1: what will you rely on. It's not the debt freedom.

705
00:33:02,080 --> 00:33:04,360
Speaker 1: Not to say you shouldn't pay off debt, but you

706
00:33:04,400 --> 00:33:06,640
Speaker 1: certainly should have some savings at least at least at

707
00:33:06,720 --> 00:33:09,120
Speaker 1: least three months of your bare bones savings that I

708
00:33:09,200 --> 00:33:11,360
Speaker 1: like to call your noodle budget because it makes me

709
00:33:11,440 --> 00:33:14,000
Speaker 1: nervous because you are assuming that everything's going to go right,

710
00:33:14,080 --> 00:33:16,600
Speaker 1: you're going to keep your job, that the economy is

711
00:33:16,600 --> 00:33:18,800
Speaker 1: not going to certainly like swerve to the left or

712
00:33:18,800 --> 00:33:21,240
Speaker 1: to the right. Meanwhile, even the FED is not assuming

713
00:33:21,280 --> 00:33:23,280
Speaker 1: the economy is not going to swerve. They put on

714
00:33:23,400 --> 00:33:26,440
Speaker 1: an article or they well, the bet is not a person,

715
00:33:26,520 --> 00:33:30,160
Speaker 1: but basically the FED is the report said, I think

716
00:33:30,200 --> 00:33:34,680
Speaker 1: it was a CNBC that they're going to keep interest

717
00:33:34,760 --> 00:33:38,080
Speaker 1: rates this low to twenty twenty three, and so that

718
00:33:38,120 --> 00:33:42,160
Speaker 1: should make everyone not nervous, but to put you on

719
00:33:42,280 --> 00:33:45,200
Speaker 1: alert because the FED uses the interest rate as a

720
00:33:45,280 --> 00:33:49,920
Speaker 1: gear when things are going really fast and good they're like,

721
00:33:49,920 --> 00:33:52,600
Speaker 1: wh whoa, whoa, whoa, gear up, gear up, gear up,

722
00:33:52,680 --> 00:33:55,920
Speaker 1: raise interest rates so less people can borrow, slow down

723
00:33:55,960 --> 00:33:58,880
Speaker 1: the economy when things are really slow and sluggish where

724
00:33:58,920 --> 00:34:00,239
Speaker 1: we are now, and worries them.

725
00:34:00,640 --> 00:34:03,400
Speaker 2: They gear down and.

726
00:34:03,200 --> 00:34:05,840
Speaker 1: They say, okay, make interest rates as low as possible

727
00:34:05,880 --> 00:34:08,960
Speaker 1: so more people can borrow to make money flow to

728
00:34:09,000 --> 00:34:11,640
Speaker 1: the economy. So for them to say we are going

729
00:34:11,680 --> 00:34:14,520
Speaker 1: to stay in the gear that is meant to bring

730
00:34:14,560 --> 00:34:18,520
Speaker 1: the economy back to life until twenty twenty three, No,

731
00:34:18,719 --> 00:34:20,759
Speaker 1: let you know how long we're going to be in

732
00:34:20,840 --> 00:34:22,640
Speaker 1: this financially uncertain time.

733
00:34:22,800 --> 00:34:25,360
Speaker 2: At least for another two years.

734
00:34:25,600 --> 00:34:28,879
Speaker 1: So I say, saves, get your savings on at least

735
00:34:28,880 --> 00:34:31,560
Speaker 1: three months, and then go back to aggressively putting putting

736
00:34:31,560 --> 00:34:32,160
Speaker 1: away for debt.

737
00:34:32,560 --> 00:34:32,840
Speaker 2: Yeah.

738
00:34:32,960 --> 00:34:35,560
Speaker 3: I mean, it's interesting that you're so, and I understand

739
00:34:35,560 --> 00:34:37,640
Speaker 3: it because your car is in your driveway and it

740
00:34:37,760 --> 00:34:39,360
Speaker 3: just looks like debt and you want to pay it

741
00:34:39,400 --> 00:34:41,040
Speaker 3: off and you want to feel that freedom of having

742
00:34:41,040 --> 00:34:43,040
Speaker 3: a totally paid off car. You say, you've got one

743
00:34:43,040 --> 00:34:46,000
Speaker 3: thousand dollars left to pay on that car. It's not

744
00:34:46,040 --> 00:34:48,040
Speaker 3: that much. I mean, if you're planning to pay that

745
00:34:48,040 --> 00:34:50,160
Speaker 3: off in December, why don't you plan instead to put

746
00:34:50,200 --> 00:34:52,480
Speaker 3: that in savings, Like one thousand dollars is a nice

747
00:34:52,840 --> 00:34:55,600
Speaker 3: head start for your savings account, and you can keep

748
00:34:55,600 --> 00:34:58,279
Speaker 3: paying off your regular car note. And I'm saying that

749
00:34:58,320 --> 00:35:02,000
Speaker 3: because your wealth the I'm trying to name banks, But anyway,

750
00:35:02,040 --> 00:35:04,360
Speaker 3: her credit card that has the six thousand dollars on

751
00:35:04,360 --> 00:35:07,040
Speaker 3: it and an APR of twenty point four percent, I'm

752
00:35:07,040 --> 00:35:09,400
Speaker 3: guessing if you got to prove for it that suite

753
00:35:09,480 --> 00:35:11,759
Speaker 3: of a balance transfer like she got ten k a

754
00:35:11,880 --> 00:35:14,000
Speaker 3: zero percent for twenty two months, you need a pretty

755
00:35:14,000 --> 00:35:16,600
Speaker 3: decent credit score to qualify. So I'm going to guess

756
00:35:16,640 --> 00:35:19,799
Speaker 3: that your car note is not a higher APR than

757
00:35:19,880 --> 00:35:22,600
Speaker 3: that credit card that you have left that twenty point

758
00:35:22,600 --> 00:35:25,160
Speaker 3: four APR. So even so, if you're really, you know,

759
00:35:25,360 --> 00:35:28,680
Speaker 3: organizing your debts for the most expensive to least expensive,

760
00:35:28,680 --> 00:35:30,200
Speaker 3: I would think your car note would come at the

761
00:35:30,200 --> 00:35:32,480
Speaker 3: bottom of the priority list because it's not costing you

762
00:35:32,560 --> 00:35:35,359
Speaker 3: quite as much. But regardless, I do agree. I mean,

763
00:35:35,400 --> 00:35:37,520
Speaker 3: if you're if you have you've gotten to a place

764
00:35:37,520 --> 00:35:40,279
Speaker 3: where you have sixteen thousand dollars in debt, perhaps that

765
00:35:40,400 --> 00:35:43,000
Speaker 3: is because you know you haven't had much in savings,

766
00:35:43,080 --> 00:35:45,239
Speaker 3: or you have. You know, you're you've been spending more

767
00:35:45,239 --> 00:35:47,840
Speaker 3: than you earn so and I'm glad to see to

768
00:35:47,960 --> 00:35:50,560
Speaker 3: hear that you've been, you know, focusing on saving now

769
00:35:50,560 --> 00:35:54,000
Speaker 3: that your expenses have decreased. But I would I really

770
00:35:54,040 --> 00:35:56,680
Speaker 3: like to see you continue that. So instead of paying

771
00:35:56,680 --> 00:35:59,680
Speaker 3: off the car loan in December, I would say, I mean, eventually,

772
00:35:59,800 --> 00:36:02,879
Speaker 3: hope you'll get there, but try to start funding your

773
00:36:02,920 --> 00:36:05,920
Speaker 3: emergency fund and then focus on that six K balance

774
00:36:05,960 --> 00:36:08,600
Speaker 3: on your Wells Fargo card. But don't sleep on that

775
00:36:08,640 --> 00:36:12,200
Speaker 3: twenty two month balance transfer offer at zero percent. Definitely

776
00:36:12,239 --> 00:36:14,160
Speaker 3: read the fine print and know what you're in for.

777
00:36:14,560 --> 00:36:17,320
Speaker 3: If that balance is not paid off after twenty two months,

778
00:36:17,600 --> 00:36:20,520
Speaker 3: you can do another balance transfer. You know, hit when

779
00:36:20,520 --> 00:36:22,200
Speaker 3: you hit twenty one months and you've still got like

780
00:36:22,280 --> 00:36:24,319
Speaker 3: a thousand dollars or however much you know, let's say

781
00:36:24,320 --> 00:36:25,680
Speaker 3: you have a little bit of money left on it.

782
00:36:26,000 --> 00:36:27,560
Speaker 3: You just want to be sure to do another balance

783
00:36:27,640 --> 00:36:30,919
Speaker 3: transfer or pay it off before that intro period ends.

784
00:36:30,960 --> 00:36:34,200
Speaker 3: Because if they have our least favorite thing ever in

785
00:36:34,239 --> 00:36:37,160
Speaker 3: a balance transfer, it's called deferred interest. If they have

786
00:36:37,280 --> 00:36:39,719
Speaker 3: a deferred interest clause, it could mean that they're going

787
00:36:39,800 --> 00:36:42,319
Speaker 3: to go back to the beginning and pretend like you've

788
00:36:42,320 --> 00:36:44,920
Speaker 3: been paying interest on that ten k for two years

789
00:36:45,440 --> 00:36:47,160
Speaker 3: and add that to your balance, and you don't want

790
00:36:47,200 --> 00:36:50,400
Speaker 3: that to happen, So set a calendar alert for around

791
00:36:50,440 --> 00:36:53,200
Speaker 3: the twenty month mark, just to be safe and see

792
00:36:53,200 --> 00:36:55,200
Speaker 3: where you're at, and then make a plan what you're

793
00:36:55,200 --> 00:36:57,560
Speaker 3: going to do next. Another balance transfer, pay it off

794
00:36:57,560 --> 00:37:00,400
Speaker 3: with hopefully your fat savings account that you can related.

795
00:37:00,960 --> 00:37:02,719
Speaker 3: But I'm you know, I think you're in. You're in

796
00:37:02,760 --> 00:37:04,560
Speaker 3: pretty good shape. You're on the way out. It's just

797
00:37:05,400 --> 00:37:07,600
Speaker 3: really focus on how do I avoid getting in this

798
00:37:07,680 --> 00:37:10,440
Speaker 3: much credit card debt again? And like Tiffany said, the

799
00:37:10,480 --> 00:37:12,480
Speaker 3: best way to do that is to shore up your

800
00:37:12,760 --> 00:37:14,120
Speaker 3: your rainy day fund.

801
00:37:14,400 --> 00:37:18,719
Speaker 2: Exactly exactly, you know, hopefully, you know, hopefully that's some

802
00:37:18,800 --> 00:37:23,200
Speaker 2: good advice for you, and you will, Yeah, you'll, you'll,

803
00:37:23,239 --> 00:37:25,879
Speaker 2: you'll save, create a great foundation for yourself, and then

804
00:37:25,920 --> 00:37:29,520
Speaker 2: prosper forward by getting rid of that deck. Congratulations to you, Jazzy,

805
00:37:29,640 --> 00:37:31,040
Speaker 2: yazzy yeazzy.

806
00:37:31,840 --> 00:37:34,680
Speaker 3: All right, y'all, that is it for questions.

807
00:37:36,160 --> 00:37:39,640
Speaker 2: And now it's time to boost to break for all

808
00:37:39,680 --> 00:37:43,000
Speaker 2: our family. If you going booze, is you gonna break?

809
00:37:43,080 --> 00:37:44,360
Speaker 2: What you're gonna do Mandy.

810
00:37:47,880 --> 00:37:50,719
Speaker 3: I thought that I was going to come up with

811
00:37:50,800 --> 00:37:54,080
Speaker 3: something better, but I thought I would do a boost.

812
00:37:54,360 --> 00:37:56,520
Speaker 3: I mean, maybe this is best. But I don't know

813
00:37:56,520 --> 00:37:59,279
Speaker 3: if you've watched yet, but the fresh principal Lair had

814
00:37:59,320 --> 00:38:03,000
Speaker 3: a reunion on AHBO Max definitely worthy year. However long

815
00:38:03,040 --> 00:38:05,480
Speaker 3: it is forty five minutes hour of your time. It

816
00:38:05,560 --> 00:38:08,239
Speaker 3: was so I didn't realize how much I needed to

817
00:38:08,280 --> 00:38:12,160
Speaker 3: heal from one Aunt Viv was kicked off the show,

818
00:38:12,840 --> 00:38:14,759
Speaker 3: but I really didn't need to heal, and so did she.

819
00:38:14,880 --> 00:38:16,879
Speaker 3: The actress who played Aunt Viv, whose name I am

820
00:38:16,880 --> 00:38:19,040
Speaker 3: blinking on now, dang was her name?

821
00:38:19,080 --> 00:38:21,560
Speaker 2: I'm so oh oh yes.

822
00:38:21,640 --> 00:38:24,279
Speaker 3: Right, But that's the problem. We don't know her name

823
00:38:24,440 --> 00:38:27,960
Speaker 3: because her career was ruined after you know, she had

824
00:38:27,960 --> 00:38:30,400
Speaker 3: to leave the show. But I just loved that moment

825
00:38:30,440 --> 00:38:32,959
Speaker 3: because Will surprises the cast. They're all, you know, sitting

826
00:38:33,040 --> 00:38:36,080
Speaker 3: in the on the set, all the original cast, and

827
00:38:36,560 --> 00:38:40,800
Speaker 3: it's with Aunt Viv two point oh is there, Hubert Janet? Yes,

828
00:38:40,840 --> 00:38:42,799
Speaker 3: thank you, thank you, thank you. So first of all,

829
00:38:42,840 --> 00:38:45,600
Speaker 3: she is still gorgeous, blasting that crack. I mean, we

830
00:38:45,640 --> 00:38:47,360
Speaker 3: knew it when she was in that pink leotard, in

831
00:38:47,400 --> 00:38:49,640
Speaker 3: that dance scene. We knew that she was like going

832
00:38:49,640 --> 00:38:51,800
Speaker 3: to age like a fine wine, but she looks gorgeous

833
00:38:51,840 --> 00:38:53,919
Speaker 3: and it was really nice to see her and will

834
00:38:54,000 --> 00:38:56,719
Speaker 3: Bury the hatchet and have they I don't know their

835
00:38:56,719 --> 00:38:59,399
Speaker 3: conversation that they had where it was like I coused

836
00:38:59,480 --> 00:39:02,279
Speaker 3: you pain, you caused me pain. You didn't know what

837
00:39:02,320 --> 00:39:04,200
Speaker 3: I was going through and you know he was young

838
00:39:04,280 --> 00:39:08,440
Speaker 3: at the time. I've this year has been the year

839
00:39:08,480 --> 00:39:11,799
Speaker 3: where I've had those types of conversations and it and

840
00:39:11,920 --> 00:39:13,839
Speaker 3: I just thought it was so powerful. And if there's

841
00:39:13,840 --> 00:39:15,600
Speaker 3: someone in your life who you haven't talked to in

842
00:39:15,640 --> 00:39:18,080
Speaker 3: a long time, you had a falling out, you you

843
00:39:18,680 --> 00:39:21,160
Speaker 3: exchange word, you hurt each other, and they're out of

844
00:39:21,160 --> 00:39:23,239
Speaker 3: your life, but you want them back. I think it

845
00:39:23,280 --> 00:39:25,919
Speaker 3: was a really beautiful moment. You know, even thirty years later,

846
00:39:26,080 --> 00:39:30,479
Speaker 3: they could come back and and heal. So I really

847
00:39:30,520 --> 00:39:33,840
Speaker 3: recommend watching that. And now I'm, you know, binging the

848
00:39:33,880 --> 00:39:36,120
Speaker 3: French Fresh principal Air, which is not a bad way

849
00:39:36,160 --> 00:39:37,959
Speaker 3: to spend my holiday week.

850
00:39:38,960 --> 00:39:39,040
Speaker 2: No.

851
00:39:39,400 --> 00:39:43,279
Speaker 1: I thought it looked amazing and I'm it did seem

852
00:39:43,320 --> 00:39:44,920
Speaker 1: like I haven't watched it, but it did seem like,

853
00:39:44,960 --> 00:39:46,799
Speaker 1: you know, she was going through a lot, and he

854
00:39:46,880 --> 00:39:49,560
Speaker 1: was really really young, and neither one of them behave

855
00:39:49,640 --> 00:39:52,680
Speaker 1: perfectly and so just to see them come together to

856
00:39:52,760 --> 00:39:56,279
Speaker 1: both acknowledge that but then also acknowledge that, you know,

857
00:39:56,520 --> 00:39:59,239
Speaker 1: here's where we could have done better, but here's where

858
00:39:59,280 --> 00:40:01,000
Speaker 1: we are now. I'm just like, honest say, I had

859
00:40:01,040 --> 00:40:04,359
Speaker 1: all the fields. I was like, yay, this is this

860
00:40:04,440 --> 00:40:06,799
Speaker 1: is lovely. So I'm definitely I was like, I didn't

861
00:40:06,800 --> 00:40:10,000
Speaker 1: need enough streaming service, but I guess for this, I'm

862
00:40:10,000 --> 00:40:11,759
Speaker 1: gonna I'm gonna get it. I'm not gonna lie. And

863
00:40:11,800 --> 00:40:14,360
Speaker 1: also too, Nicki Minajs has the docuseries coming out, and

864
00:40:14,400 --> 00:40:15,719
Speaker 1: I kind of want to know her business, so I'm

865
00:40:15,719 --> 00:40:16,120
Speaker 1: gonna get it.

866
00:40:16,120 --> 00:40:18,920
Speaker 2: For that too. Was it about her? Yes, I kind of.

867
00:40:19,000 --> 00:40:23,800
Speaker 1: I like watching documentaries on you know, like kind of

868
00:40:23,840 --> 00:40:26,840
Speaker 1: like current people to see how they navigate, Like Beyonce

869
00:40:26,920 --> 00:40:29,759
Speaker 1: has a number of them, and I'm always fascinated, like, wow.

870
00:40:29,680 --> 00:40:32,040
Speaker 3: She does enough. There's enough.

871
00:40:32,080 --> 00:40:32,919
Speaker 2: There's never enough.

872
00:40:33,440 --> 00:40:35,440
Speaker 3: I still do behind the music on VH one that

873
00:40:35,520 --> 00:40:37,160
Speaker 3: was my jam they used to.

874
00:40:37,360 --> 00:40:39,479
Speaker 2: I don't know, but it's really good to see.

875
00:40:39,480 --> 00:40:41,320
Speaker 1: I love stuff like that, like I don't I'm not

876
00:40:41,360 --> 00:40:42,959
Speaker 1: even to talking about like you said, the pretty stuff.

877
00:40:43,000 --> 00:40:45,600
Speaker 1: I like to know, like you know, the the Tea,

878
00:40:45,680 --> 00:40:47,640
Speaker 1: not for gossip sake, but for learning sake.

879
00:40:47,719 --> 00:40:49,560
Speaker 2: So it's just and I don't.

880
00:40:49,360 --> 00:40:53,040
Speaker 3: Think there's enough out there about black figures in history

881
00:40:53,080 --> 00:40:55,439
Speaker 3: and their flaws and what they went through. Because we're

882
00:40:55,440 --> 00:40:58,480
Speaker 3: watching the Crown this week or this weekend rather, and

883
00:40:58,520 --> 00:41:02,080
Speaker 3: it's you know, it's the Princess Diana season. Everyone's like

884
00:41:02,120 --> 00:41:05,320
Speaker 3: flipping out, and I'm like, we have told this woman's

885
00:41:05,320 --> 00:41:09,000
Speaker 3: story one hundred million times, Like I know her shoe size,

886
00:41:09,080 --> 00:41:11,680
Speaker 3: I know way too much about her, like and I mean,

887
00:41:12,440 --> 00:41:14,680
Speaker 3: it's a compelling story, but like why is it so?

888
00:41:14,800 --> 00:41:16,719
Speaker 3: Why is she captured our hearts in this way? And

889
00:41:16,760 --> 00:41:19,440
Speaker 3: you know, and of course she's beautiful, princess blonde and

890
00:41:19,440 --> 00:41:21,480
Speaker 3: blue whited all that, But I'm like, where are the

891
00:41:21,560 --> 00:41:24,479
Speaker 3: other We need more? We need more or more? Yeah,

892
00:41:24,480 --> 00:41:26,399
Speaker 3: there's got to be other stories out there to be told.

893
00:41:26,920 --> 00:41:28,960
Speaker 2: How do you like it?

894
00:41:28,560 --> 00:41:33,400
Speaker 1: Like, I'm gonna boosty breaky. I'll start with the break.

895
00:41:33,840 --> 00:41:36,480
Speaker 1: It's a little like so I've seen this happen a

896
00:41:36,520 --> 00:41:38,040
Speaker 1: couple of times, and I was kind of conflicted. So

897
00:41:38,040 --> 00:41:42,120
Speaker 1: there's somebody who's following me on ig but I noticed recently,

898
00:41:42,160 --> 00:41:46,040
Speaker 1: there's an uptick of her in my comments chatting with folks.

899
00:41:46,080 --> 00:41:48,360
Speaker 1: She she teaches financial education as well. It's literally like

900
00:41:48,360 --> 00:41:50,279
Speaker 1: her buyo financial education and power women.

901
00:41:50,719 --> 00:41:51,120
Speaker 2: It's cool.

902
00:41:51,600 --> 00:41:54,520
Speaker 1: But I noticed that she was chatting with folks like

903
00:41:54,920 --> 00:41:56,120
Speaker 1: my page was her page.

904
00:41:56,320 --> 00:41:59,400
Speaker 3: Oh, she trying to go fishing. She's trying to fish

905
00:41:59,440 --> 00:41:59,879
Speaker 3: on your peer.

906
00:42:00,360 --> 00:42:03,920
Speaker 2: And at first I was like that people are shady.

907
00:42:04,400 --> 00:42:07,239
Speaker 1: And at first I was like no, you know, because

908
00:42:07,239 --> 00:42:09,680
Speaker 1: it was very like benign, like oh my gosh, congratulations,

909
00:42:09,680 --> 00:42:12,399
Speaker 1: that's awesome, you know, like light things, or like oh,

910
00:42:12,480 --> 00:42:14,279
Speaker 1: like maybe I wouldn't get a chance to answer a question.

911
00:42:14,320 --> 00:42:15,600
Speaker 1: And she's like, oh no, no, you can go to

912
00:42:15,640 --> 00:42:17,560
Speaker 1: experience dot com and check that out. So I'm like, okay,

913
00:42:17,560 --> 00:42:19,080
Speaker 1: no problem, the problem And.

914
00:42:19,000 --> 00:42:23,080
Speaker 3: Then I know, sorry, So I'm Tiffany's number two.

915
00:42:24,440 --> 00:42:26,040
Speaker 2: So I let it slide and I'm gonna lie.

916
00:42:26,040 --> 00:42:27,839
Speaker 1: I looked at it and I was like, oh, that's

917
00:42:27,840 --> 00:42:30,400
Speaker 1: a little weird, but I mean this is good information.

918
00:42:30,760 --> 00:42:32,760
Speaker 1: I don't always get a chance to answer all my questions.

919
00:42:32,800 --> 00:42:36,400
Speaker 1: And it wasn't crazy. It was enough that I was like, oh,

920
00:42:36,520 --> 00:42:39,520
Speaker 1: these are four or five different answers that you did today.

921
00:42:39,840 --> 00:42:41,520
Speaker 1: And then recently, I posted something and she said, oh

922
00:42:41,520 --> 00:42:44,280
Speaker 1: my gosh to me, congratulations, you're my inspiration blah blah blah.

923
00:42:44,320 --> 00:42:46,279
Speaker 1: So then I felt like, oh, well, girl, she's just

924
00:42:46,440 --> 00:42:50,200
Speaker 1: being nice. And then today Instagram was like, girl, let

925
00:42:50,239 --> 00:42:53,680
Speaker 1: me let me hit you to something. Someone wrote, Hey, Tiffany,

926
00:42:54,800 --> 00:42:57,160
Speaker 1: I just joined and I know I know she meant

927
00:42:57,200 --> 00:43:00,279
Speaker 1: she joined the Literature Academy. I just joined, but I'm

928
00:43:00,280 --> 00:43:02,640
Speaker 1: not really sure where to start. Super excited, so she

929
00:43:02,760 --> 00:43:06,680
Speaker 1: goes in and it's giving her all this information about, oh,

930
00:43:07,040 --> 00:43:08,920
Speaker 1: first start with your budgets and that, and Liddy was like,

931
00:43:08,920 --> 00:43:11,239
Speaker 1: what are you talking about. I'm talking to Tiffany and

932
00:43:11,239 --> 00:43:14,520
Speaker 1: I'm talking about I joined her online school. And Lady's like, oh, well,

933
00:43:14,920 --> 00:43:17,279
Speaker 1: in case you do want something else, you can always

934
00:43:17,360 --> 00:43:19,719
Speaker 1: DM me girl with a quickness.

935
00:43:21,280 --> 00:43:21,600
Speaker 2: Yes.

936
00:43:21,840 --> 00:43:24,160
Speaker 1: And then so before now I felt hesitant. I said,

937
00:43:24,160 --> 00:43:25,279
Speaker 1: I don't want to be a hater people. You know,

938
00:43:25,280 --> 00:43:26,040
Speaker 1: people help people.

939
00:43:26,480 --> 00:43:30,759
Speaker 2: You can DM me, ma'am. And so I just blocked her.

940
00:43:30,840 --> 00:43:31,680
Speaker 2: I felt I'm not glad.

941
00:43:31,680 --> 00:43:33,480
Speaker 1: I still felt kind of bad about it, but that

942
00:43:33,600 --> 00:43:36,600
Speaker 1: was it, like, don't do that, y'all, Finn book. Yes,

943
00:43:36,680 --> 00:43:39,520
Speaker 1: I'm all for you know, being in comments and being helpful,

944
00:43:39,680 --> 00:43:42,000
Speaker 1: and sometimes I do that, Like, for example, somebody might

945
00:43:42,040 --> 00:43:44,960
Speaker 1: say something like, let's just say I'm in you know,

946
00:43:45,000 --> 00:43:46,839
Speaker 1: not that I go to the shade Room Instagram. I do,

947
00:43:47,360 --> 00:43:49,240
Speaker 1: and let's just say it's a financial post.

948
00:43:49,239 --> 00:43:49,839
Speaker 2: It rarely is.

949
00:43:49,920 --> 00:43:52,120
Speaker 1: And then someone says something, I might say, oh, you know,

950
00:43:53,320 --> 00:43:55,359
Speaker 1: you know you can. I might give a little bit

951
00:43:55,360 --> 00:43:56,960
Speaker 1: of an advice, but I'm not going to be like,

952
00:43:57,000 --> 00:43:59,399
Speaker 1: go to my website. But every once in a while

953
00:43:59,400 --> 00:44:01,040
Speaker 1: that'll come up where I'll see something and it's so

954
00:44:01,160 --> 00:44:02,600
Speaker 1: quick like, oh no, girl, that's not true.

955
00:44:02,640 --> 00:44:04,200
Speaker 2: Your credit score is not gonna affected by that.

956
00:44:04,320 --> 00:44:06,640
Speaker 1: I might say something like that, but to literally lay

957
00:44:06,719 --> 00:44:09,680
Speaker 1: up in someone's comments and then to divert them from

958
00:44:09,719 --> 00:44:13,439
Speaker 1: what they came to your thing, it said, no, no,

959
00:44:13,600 --> 00:44:15,839
Speaker 1: I don't know if she listens to the podcast. And

960
00:44:16,200 --> 00:44:17,640
Speaker 1: I'm such a punk because I still feel kind of

961
00:44:17,640 --> 00:44:18,680
Speaker 1: bad about blocking her because I was.

962
00:44:18,640 --> 00:44:20,040
Speaker 2: Like, maybe I should just be out and say, hey,

963
00:44:20,120 --> 00:44:21,719
Speaker 2: that's not appropriate. I'm like, girl, are we five?

964
00:44:21,760 --> 00:44:24,759
Speaker 3: She knows yeah, no, no, no, I think he did the

965
00:44:24,840 --> 00:44:27,919
Speaker 3: right thing. I mean, also, it just it's I wish

966
00:44:27,960 --> 00:44:30,200
Speaker 3: I could I'm trying to think of a really good analogy.

967
00:44:30,239 --> 00:44:33,520
Speaker 3: But she is just trying to she's like a bottom feeder.

968
00:44:34,200 --> 00:44:34,839
Speaker 2: I was like, she.

969
00:44:34,880 --> 00:44:37,960
Speaker 1: Basically like I have a McDonald set up and she's

970
00:44:38,120 --> 00:44:40,560
Speaker 1: she set up a barbecue grill outside my McDonald's.

971
00:44:40,600 --> 00:44:45,560
Speaker 3: Like I, yes, yes, that is exactly I was thinking of,

972
00:44:45,640 --> 00:44:49,320
Speaker 3: like ticket scalpers outside of like a stenium or something.

973
00:44:49,880 --> 00:44:52,200
Speaker 3: Were like, how at any protest there's always the guy

974
00:44:52,200 --> 00:44:54,520
Speaker 3: who selling the T shirts and the plates, like the

975
00:44:54,719 --> 00:44:56,680
Speaker 3: you know, think about all the people hustling out there

976
00:44:57,400 --> 00:44:59,640
Speaker 3: at the Joe Biden celebrations, Like all of a sudden

977
00:44:59,640 --> 00:45:02,480
Speaker 3: there were shirts and plates to be sold, of course,

978
00:45:03,960 --> 00:45:05,799
Speaker 3: but even that is but listen, if you're if you're

979
00:45:05,840 --> 00:45:09,239
Speaker 3: going on the shade room, which listen, Instagram knows what

980
00:45:09,280 --> 00:45:11,080
Speaker 3: I want to see and it's always a shade room first.

981
00:45:11,600 --> 00:45:14,200
Speaker 3: But if you're going there, that's not a financial podcast,

982
00:45:14,280 --> 00:45:16,759
Speaker 3: that's not a financial page. So it's not like they're

983
00:45:16,800 --> 00:45:20,680
Speaker 3: offering you know, personal finance tips. So that's that's that's different.

984
00:45:21,600 --> 00:45:23,080
Speaker 1: But I said, I don't really like, I'm not on

985
00:45:23,120 --> 00:45:25,719
Speaker 1: the shame looking to answer financial questions just everyone, you know,

986
00:45:25,760 --> 00:45:28,759
Speaker 1: something might randomly pop up, but yeah, so just don't

987
00:45:28,760 --> 00:45:31,000
Speaker 1: do that, y'all. And if you're listening. Lady who are blocked.

988
00:45:31,600 --> 00:45:33,799
Speaker 1: I'm not going to unblock you, but I will say,

989
00:45:33,880 --> 00:45:35,919
Speaker 1: don't do that. It's not okay, don't do that. Don't

990
00:45:36,560 --> 00:45:39,440
Speaker 1: people not a good one. But my my, my boost

991
00:45:39,560 --> 00:45:41,839
Speaker 1: is super excited. I didn't even mention this because I'll

992
00:45:41,840 --> 00:45:47,680
Speaker 1: be forgetting. But I applied for something called we Are

993
00:45:47,719 --> 00:45:50,239
Speaker 1: the Culture. I don't even remember. I vaguely remember. It

994
00:45:50,280 --> 00:45:51,960
Speaker 1: might have been months and months and months ago. It

995
00:45:52,000 --> 00:45:54,520
Speaker 1: was through Facebook. Facebook said that they want to amplify

996
00:45:54,560 --> 00:45:58,000
Speaker 1: black and brown voices and as relates to creators, and

997
00:45:58,040 --> 00:46:01,400
Speaker 1: so I I vaguely remember applying for it and I

998
00:46:01,440 --> 00:46:04,480
Speaker 1: got it. So it's a year long partnership with Facebook.

999
00:46:04,560 --> 00:46:08,400
Speaker 1: And I just create content like I normally would, but

1000
00:46:08,719 --> 00:46:12,759
Speaker 1: I have to. I do it basically for Facebook, and they,

1001
00:46:12,880 --> 00:46:14,560
Speaker 1: you know, they they support it.

1002
00:46:14,800 --> 00:46:16,840
Speaker 2: So you'll see it on IG you'll see it on Facebook.

1003
00:46:16,840 --> 00:46:17,960
Speaker 1: So I was trying to figure out, like, what was

1004
00:46:17,960 --> 00:46:20,200
Speaker 1: I gonna do versus because you could do literally.

1005
00:46:19,880 --> 00:46:20,520
Speaker 2: Whatever you want.

1006
00:46:20,680 --> 00:46:22,360
Speaker 1: So I decided to come up with a new series

1007
00:46:22,440 --> 00:46:24,279
Speaker 1: specifically for this, so you guys would know, Oh, this

1008
00:46:24,360 --> 00:46:26,840
Speaker 1: is the this is the Facebook series. It's called the

1009
00:46:26,880 --> 00:46:29,719
Speaker 1: budget needs to breakdown, you know, They're usually about five

1010
00:46:29,800 --> 00:46:33,759
Speaker 1: or six minutes, and I break down a term or

1011
00:46:33,800 --> 00:46:36,000
Speaker 1: something that's happening in the news, or a question that

1012
00:46:36,000 --> 00:46:38,560
Speaker 1: you guys some might have asked me. But yeah, I

1013
00:46:38,640 --> 00:46:40,560
Speaker 1: just I break it down and I try to keep

1014
00:46:40,600 --> 00:46:44,840
Speaker 1: it short and fun and brief. And just like Brianna Mission,

1015
00:46:45,200 --> 00:46:46,640
Speaker 1: it does not have a theme song either.

1016
00:46:46,800 --> 00:46:48,760
Speaker 2: I sing in the beginning.

1017
00:46:48,719 --> 00:46:51,480
Speaker 1: Literally, I say, the budget needs to breakdown. Please, somebody

1018
00:46:51,520 --> 00:46:53,160
Speaker 1: send me a song. I'm not gonna lie. A few

1019
00:46:53,160 --> 00:46:54,320
Speaker 1: people send me some songs.

1020
00:46:54,600 --> 00:46:58,040
Speaker 3: You know, songs is okay, just a cold open.

1021
00:47:00,360 --> 00:47:02,280
Speaker 2: Some of the songs, I'm not gonna lie. I'll just tried.

1022
00:47:02,520 --> 00:47:05,920
Speaker 3: Just why don't you started with short time synergy? That's

1023
00:47:06,000 --> 00:47:06,719
Speaker 3: how she said it.

1024
00:47:06,840 --> 00:47:08,880
Speaker 2: Oh my god. Some of the songs y'all got me.

1025
00:47:08,920 --> 00:47:11,200
Speaker 1: First of all, one song, you know, not to be

1026
00:47:11,239 --> 00:47:14,360
Speaker 1: shady because if you're listening, but we cannot take Michael

1027
00:47:14,400 --> 00:47:16,000
Speaker 1: Jackson's I Want to Rock with You and make it

1028
00:47:16,000 --> 00:47:16,799
Speaker 1: the Budget's song.

1029
00:47:16,840 --> 00:47:20,759
Speaker 2: G you trying to get me? So yeah, So I'm

1030
00:47:20,760 --> 00:47:21,440
Speaker 2: excited about it.

1031
00:47:21,440 --> 00:47:23,319
Speaker 3: So that's really cool and shout out. I love that

1032
00:47:23,320 --> 00:47:25,520
Speaker 3: Facebooks doing that. I did not know that that is awesome.

1033
00:47:25,719 --> 00:47:28,080
Speaker 3: So well, and so it's not like a sponsored thing.

1034
00:47:28,840 --> 00:47:31,239
Speaker 3: It'll be so okay mm hmm.

1035
00:47:31,640 --> 00:47:33,560
Speaker 2: So but you'll see it, like, you know, like it

1036
00:47:33,600 --> 00:47:35,239
Speaker 2: won't look any different than my other content. You'll just

1037
00:47:35,239 --> 00:47:36,959
Speaker 2: see more video to me. At least once a week,

1038
00:47:37,080 --> 00:47:37,520
Speaker 2: you'll see a.

1039
00:47:37,520 --> 00:47:39,799
Speaker 1: Video where I'm breaking stuff down, and you are free

1040
00:47:39,840 --> 00:47:41,120
Speaker 1: in the comments to let me know what you want

1041
00:47:41,160 --> 00:47:42,520
Speaker 1: to break down, because I keep a list of them

1042
00:47:42,840 --> 00:47:45,680
Speaker 1: and then I take them and I you know, so

1043
00:47:45,719 --> 00:47:47,520
Speaker 1: it's not gonna look any different than my normal, Like

1044
00:47:47,520 --> 00:47:47,839
Speaker 1: I'm not.

1045
00:47:48,520 --> 00:47:49,560
Speaker 2: It's gonna be on IG.

1046
00:47:49,480 --> 00:47:51,919
Speaker 1: And Facebook, but it'll just be labeled budgeties to break

1047
00:47:51,920 --> 00:47:54,080
Speaker 1: down and I'll like, I think this past week I

1048
00:47:54,120 --> 00:47:56,680
Speaker 1: broke down. I still have the breakdown taxes as it

1049
00:47:56,680 --> 00:47:59,000
Speaker 1: relates to personal taxes and business taxes.

1050
00:47:59,000 --> 00:48:00,440
Speaker 2: I broke down. Should you co sign?

1051
00:48:01,000 --> 00:48:03,240
Speaker 1: I broke down something that I call illustrate your oprah,

1052
00:48:03,280 --> 00:48:05,400
Speaker 1: which just means like illustrate your value in such a

1053
00:48:05,400 --> 00:48:08,480
Speaker 1: strong way you're undeniable. And so it's only been one

1054
00:48:08,520 --> 00:48:10,759
Speaker 1: month and so yeah, it's a year long thing, and

1055
00:48:10,800 --> 00:48:12,160
Speaker 1: I was just like really geek to get it.

1056
00:48:12,120 --> 00:48:14,080
Speaker 2: And I wanted to share the good news with y'all.

1057
00:48:14,600 --> 00:48:16,440
Speaker 3: Yeah, can't wait to check it out.

1058
00:48:17,200 --> 00:48:22,239
Speaker 2: The butet needs to breakdown. That's lovely. You know you're

1059
00:48:22,280 --> 00:48:25,879
Speaker 2: not like me. A little noation, little ration.

1060
00:48:26,920 --> 00:48:32,000
Speaker 3: Oh lord, Well the early Turkey Day and hopefully you

1061
00:48:32,040 --> 00:48:33,600
Speaker 3: get in the holiday spirit. Are you going to start

1062
00:48:33,640 --> 00:48:34,680
Speaker 3: decorating this week?

1063
00:48:35,040 --> 00:48:35,279
Speaker 2: Yes?

1064
00:48:35,360 --> 00:48:37,640
Speaker 1: I told the kids. They're super excited. We're going to

1065
00:48:37,680 --> 00:48:38,560
Speaker 1: decorate on Thanksgiving.

1066
00:48:38,600 --> 00:48:39,960
Speaker 2: So I'm excited. Thankfully.

1067
00:48:40,040 --> 00:48:43,359
Speaker 1: I went really it was my first Christmas Thanksgiving last year,

1068
00:48:43,480 --> 00:48:45,640
Speaker 1: so I went really crazy on the decorations, like as

1069
00:48:45,640 --> 00:48:48,000
Speaker 1: far as buying them. So I'm excited because I don't

1070
00:48:48,000 --> 00:48:49,640
Speaker 1: have to go out to the stores because I already

1071
00:48:49,680 --> 00:48:54,840
Speaker 1: have a nauseous amount of nauseating amount of Christmas decoration

1072
00:48:55,040 --> 00:48:55,720
Speaker 1: never enough.

1073
00:48:55,960 --> 00:48:59,360
Speaker 3: Also, you should watch the Christmas Home Makeover series on Netflix.

1074
00:48:59,440 --> 00:49:02,279
Speaker 3: It's a it's a feel good, fun type event. I

1075
00:49:02,280 --> 00:49:05,440
Speaker 3: can't wait to decorate, and I'm gonna put everything very high.

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00:49:05,480 --> 00:49:07,520
Speaker 3: But I am going to try to decorate so you know,

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00:49:07,680 --> 00:49:10,719
Speaker 3: I don't have any baby accidents. But I'm so excited.

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00:49:10,840 --> 00:49:15,040
Speaker 3: Ya yay, We'll have a good, safe Thanksgiving to all

1079
00:49:15,080 --> 00:49:19,600
Speaker 3: of you guys out there celebrating, you know, emphasize the

1080
00:49:19,600 --> 00:49:23,560
Speaker 3: word safe and distant. And we will see y'all after

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00:49:23,680 --> 00:49:24,480
Speaker 3: Turkey Day.

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00:49:24,680 --> 00:49:42,000
Speaker 2: Yes, bye bye bye