WEBVTT - Ep 244 - How Can I Avoid Being The Victim of a Racist Appraiser?

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<v Speaker 1>Mandra, Do you know what I need? I need to

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<v Speaker 1>walk in these streets in my BA swag. You know

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<v Speaker 1>what I'm really looking forward to? First of all, be

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<v Speaker 1>your own Brown Boost. What an awesome phrase. I cannot

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<v Speaker 1>wait to wear that on my chest like Superman. And

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<v Speaker 1>what I'm really excited for, though, is I am a

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<v Speaker 1>sweatshirt and like hoodie girl. So the classic Brown Ambition

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<v Speaker 1>logo sweatshirt has my name all over it.

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<v Speaker 2>But where can I go? Where can I find it?

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<v Speaker 3>I was hoping you would ask Young Tiffany. Tiffany, get

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<v Speaker 3>your Brown Ambition swag at Brown Ambitionstore dot com. Five

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<v Speaker 3>years in the game, we finally have merch for you guys.

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<v Speaker 3>So get your Brown Ambition hoodie, your Brown Ambition crew

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<v Speaker 3>neck tea, get a onesie for your littles. We got

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<v Speaker 3>toddler teas. Oh my goodness, there's something for everyone. Be

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<v Speaker 3>your own Brown Boost T shirt for sure. We have

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<v Speaker 3>a Brown Ambition mug, which my family is most excited about.

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<v Speaker 3>I had to do the fifteen out size for my

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<v Speaker 3>big sister because she drinks coffee Like nobody's business.

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<v Speaker 2>Oh you know, I'm the budget nesh to write any

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<v Speaker 2>special offer.

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<v Speaker 3>I'm also very glad you asked that question, Tiffany. Yes,

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<v Speaker 3>with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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<v Speaker 3>all one word, you can get fifteen percent off your

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<v Speaker 3>order at Brown ambitionstore dot com.

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<v Speaker 1>I can't wait to see y'all in these BA streets

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<v Speaker 1>repping bapam with your BA swag.

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<v Speaker 2>Ho ho ho wait? Is that too early? Hey? Hey?

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<v Speaker 3>I mean I'm not mad at it. I am in

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<v Speaker 3>full holiday mode.

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<v Speaker 1>We deserve because we're back, we're black, we're Brown Ambition.

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<v Speaker 1>But yeah, I'm not gonna lie. If I wasn't so lazy,

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<v Speaker 1>I would have had my tree apart ready because I

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<v Speaker 1>just feel like we deserve.

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<v Speaker 2>We deserve.

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<v Speaker 3>We deserve all of fa la la la las and

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<v Speaker 3>the decking the halls. However, you deck your halls if

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<v Speaker 3>you're not into Christmas, if you're a Hanka family, Kwan's

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<v Speaker 3>a family, or just whatever non denominational celebration family, this

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<v Speaker 3>time is always so magical. Yeah, people are figuring out,

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<v Speaker 3>trying to figure out how they're going to celebrate the

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<v Speaker 3>pandemic holiday season, which is sad. But I'm just trying,

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<v Speaker 3>like my mom has been, you know, she's been in

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<v Speaker 3>her feeling she's been having a little pity party. If

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<v Speaker 3>she's listening, Mom, this is fair. She looks, you know,

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<v Speaker 3>because she's missing not only Thanksgiving, but it's Rio's first

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<v Speaker 3>birthday on Thanksgiving this week, and I'm just trying to

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<v Speaker 3>be like, look, we have to like make the most

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<v Speaker 3>of it. I'm trying to figure out how to do

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<v Speaker 3>a virtual birthday extravaganza where there's like activities, and maybe

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<v Speaker 3>I'm like trying to do too much. I just want

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<v Speaker 3>folks to feel to still have an experience and not

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<v Speaker 3>be like so sad.

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<v Speaker 1>I know, and I thought, like for a moment, my

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<v Speaker 1>mom is she's avkia of nurse. I said, Mommy, you

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<v Speaker 1>know you guys are going to come over for Thanksgiving.

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<v Speaker 1>Will keep it really small, just like I couldn't even finish.

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<v Speaker 1>She's like no, I said nope.

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<v Speaker 2>I was like nope.

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<v Speaker 1>She think my dad doesn't listen to podcasts, so I

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<v Speaker 1>can spills a little shade. She's like, why don't you

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<v Speaker 1>ask your dad? He likes gallivanting around when there's a pandemic.

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<v Speaker 3>About it, don't All the older men in our lives

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<v Speaker 3>love love a good grocery store trip in.

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<v Speaker 2>The middle of the day, just the gallivants.

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<v Speaker 1>I was like, well she you know, She's like, honestly,

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<v Speaker 1>it's serious business.

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<v Speaker 2>You know. She's like, I'm in my sixties, your dad

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<v Speaker 2>is in his seventies. It's just not safe.

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<v Speaker 1>And I'm like, you know what, She's right, So we're

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<v Speaker 1>honestly not It's just going to be who's here. My

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<v Speaker 1>sister Carol that lives up the street with the two kids,

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<v Speaker 1>and my sister Lisa Superman family, they all are like, nope,

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<v Speaker 1>We're going to be in our own houses. So yeah,

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<v Speaker 1>it's this will be the smallest Thanksgiving I've ever celebrated.

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<v Speaker 1>And still I'm not cooking already. It's so crazy. I

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<v Speaker 1>call Vonda, who does like all of the because looking

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<v Speaker 1>for my major holidays. I didn't even I just said, hey, banda,

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<v Speaker 1>she said, got you for Thanksgiving? I said, okay, bye girl.

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<v Speaker 1>She already bless her yes, cause my husband asked, he said,

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<v Speaker 1>you gotta cook. I was like, do you want to

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<v Speaker 1>have a good Thanksgiving or not?

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<v Speaker 3>I love Thanksgiving cooking. Oh but that's amazing. Listen, you

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<v Speaker 3>do your thing if that because like I can, that

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<v Speaker 3>also sounds amazing. Just to have the food show up

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<v Speaker 3>and you're like in your cozy socks and out whatever

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<v Speaker 3>you're gonna wear.

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<v Speaker 1>And if I was a good cook, honestly, I would

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<v Speaker 1>be like, you know what, I'm going to spend the time,

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<v Speaker 1>But is that what we're doing?

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<v Speaker 2>You want my cooking for thanks?

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<v Speaker 1>Again, I'm not the worst, but I could give you

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<v Speaker 1>a good salmon you know, pallet sandwich. Meanwhile, just the

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<v Speaker 1>salmon burger that you know you get from Trader Joe's

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<v Speaker 1>that those.

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<v Speaker 3>Are good, Those are good, real talk. If they want

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<v Speaker 3>to respond to the show, I would. I would wax

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<v Speaker 3>poetic about their salmon burgers for a very long time. Yeah,

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<v Speaker 3>I have a whole I took this week off of

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<v Speaker 3>work and in true Mandy fashion, listen, my therapist at

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<v Speaker 3>this point just laughs. I don't know if we're supposed

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<v Speaker 3>to be laughing as much as we do on our calls,

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<v Speaker 3>but anyway, because I was like, yeah, I'm taking the

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<v Speaker 3>week off work. But here's my plan. We are gonna

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<v Speaker 3>surprise Abuela Enrique's mom tomorrow with We're gonna take her

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<v Speaker 3>Christmas tree. Because speaking of grandma's getting in their fields,

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<v Speaker 3>she's all, you know, sad. Because I made the executive

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<v Speaker 3>decision not to do a traditional Christmas tree in my

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<v Speaker 3>house because I'm sorry, God gave me a spider monkey

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<v Speaker 3>for a baby, not an actual human, and I really

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<v Speaker 3>don't want to have to go to the emergency room

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<v Speaker 3>when he pulls that tree down on top of himself.

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<v Speaker 3>So I decided no Christmas tree inside, but we're gonna

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<v Speaker 3>get a tree for the front yard anyway, so we're

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<v Speaker 3>gonna surprise her tomorrow. And then I'm listen, I started

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<v Speaker 3>to like hire people for stuff, like for Rio's birthday,

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<v Speaker 3>which is on Thanksgiving, I was like, okay, we can

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<v Speaker 3>go to that same bakery. I got, you know, a

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<v Speaker 3>cake from before for his birthday cake. And then you know,

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<v Speaker 3>I had a really cool balloon arch at my baby

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<v Speaker 3>shower and I was like, let me get their phone number.

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<v Speaker 3>But then the dollar started to add up, and then

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<v Speaker 3>I started to google, like how much is a balloon tape?

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<v Speaker 3>Like how long? What's a helium tank cost? Like can

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<v Speaker 3>I do this myself? And next thing you know, I'm

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<v Speaker 3>making a whole dam's loth cake carved caricature cake, and

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<v Speaker 3>a whole damn balloon arch from scratch, and I'm doing

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<v Speaker 3>a whole damn Thanksgiving lunch and it's gonna be delicious.

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<v Speaker 3>And we're having turkey and sweet potato soufle and dressing

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<v Speaker 3>and all the trimmings and it's gonna be great. So

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<v Speaker 3>this is my week off. Yeah, but I'll know it

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<v Speaker 3>makes me happy though it's not. You know, I enjoyed.

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<v Speaker 3>I enjoy crafts, I always have. I enjoy cooking, So

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<v Speaker 3>this this brings joy. And I had to literally convince

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<v Speaker 3>my therapist to like, get on board. I was like,

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<v Speaker 3>get on board, Lauren, get on board. This is what's happening.

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<v Speaker 3>I'm in a great mood. I'm amazing. She's like, are

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<v Speaker 3>you Yes, It's gonna be fabulous. I just can't wait

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<v Speaker 3>to see Rio's face when he sees his his cake

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<v Speaker 3>and all the balloons. I feel like he's gonna have

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<v Speaker 3>a really fun reaction.

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<v Speaker 2>Yes, balloons and kid. I feel like balloons and bubbles

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<v Speaker 2>are like kids' best friends.

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<v Speaker 3>Yeah, he was never in I remember and got him

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<v Speaker 3>like a balloon a bubble machine over this, and he

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<v Speaker 3>would just stare at it with the deadest of stairs,

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<v Speaker 3>like the digits of stairs doesn't.

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<v Speaker 2>Make that noise.

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<v Speaker 1>Because I have to say that I've seen a lot

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<v Speaker 1>of times kids don't like the bubble machine noise, because

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<v Speaker 1>I definitely got my nephew and he was like, girl, do.

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<v Speaker 2>You want to kill me? Is that what this is?

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<v Speaker 1>But the actual bubbles themselves, he was like, Okay, these

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<v Speaker 1>are cute.

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<v Speaker 2>I can pop these, these are cute.

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<v Speaker 3>My mom My mom was like, look at this viral

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<v Speaker 3>video of this baby sing bubbles for the first time.

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<v Speaker 3>It's adorable. And then it's one of those things where

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<v Speaker 3>you're like, yeah, I recreate that. No. I mean, he

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<v Speaker 3>couldn't have been less interested in the bubbles. But the

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<v Speaker 3>things we do for.

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<v Speaker 1>The cheatment, right, I'm talking about these kids, you just

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<v Speaker 1>be shady out here. The other day, my nephew asked

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<v Speaker 1>my sister. He was like, how old are you? Because

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<v Speaker 1>now he's you know, they get to an age where

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<v Speaker 1>they're like, wait, people are like different ages.

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<v Speaker 2>He's how old are you? And she said, oh, I'm

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<v Speaker 2>thirty nine. He said, oh, so almost.

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<v Speaker 1>Forty yo, Mandy the way, And at first I thought

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<v Speaker 1>he's not wrong.

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<v Speaker 3>How can you not congratulate him on being so smart?

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<v Speaker 1>And at first I thought he knew the shade because

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<v Speaker 1>he's fine. I was like, how does he know the shade?

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<v Speaker 1>I'm like, girl, you get old, right, But and then

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<v Speaker 1>I realized, oh, like he's just rounding, because then he

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<v Speaker 1>was like, I'm almost six because I'm five.

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<v Speaker 2>Amelia is almost four because she's three.

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<v Speaker 1>And I realized, oh, he doesn't understand the social dynamic

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<v Speaker 1>of being forty, and like, you know, I'm all.

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<v Speaker 2>That comes along. I really could for a minute. Then

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<v Speaker 2>I was like, oh, Robin is wait. Oh we don't know.

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<v Speaker 2>The shame the way he looks. She looked like, oh,

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<v Speaker 2>that's what we're doing, hen't he don't know?

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<v Speaker 3>Because a baby, you know your numbers.

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<v Speaker 1>Oh but yeah, these babies out here, no, oh, definitely

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<v Speaker 1>postpics because you know, I love picks.

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<v Speaker 3>Of real I'm so excited. I'm dreaming of cakes now.

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<v Speaker 3>I'm just I have all the accessories. Listen, you ever

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<v Speaker 3>been to a Wegman's, Tiffany, I feel.

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<v Speaker 2>Like maybe once before. They're pretty fancy, aren't.

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<v Speaker 3>They They're I mean, they're fancy, but they're just like

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<v Speaker 3>I guess, down south, we have publics and like in

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<v Speaker 3>North Carolina there's Harris Heaters. Up here, there's something called

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<v Speaker 3>and we finally have one. And listen when I tell

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<v Speaker 3>you their bakery section, they're like bake, not their bakery section,

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<v Speaker 3>which is amazing, but they're actual like accessories where you

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<v Speaker 3>have like piping bags and all the sprinkles. Girl, I

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<v Speaker 3>probably spend like two hundred dollars in that section, just

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<v Speaker 3>like getting I'm very, very excited. Ultimately, it will indeed

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<v Speaker 3>cost far more to make the cake myself than it

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<v Speaker 3>would have to outsource it. But I'm calling it in

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<v Speaker 3>an investment, you know, like, who know, this won't be

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<v Speaker 3>the last cake I make.

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<v Speaker 2>No. I love it, especially with all that's been going on.

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<v Speaker 2>It's pretty crazy. This is a random side.

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<v Speaker 1>Now, what are you thinking about the the ugh.

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<v Speaker 2>Not the pandemic, darn it?

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<v Speaker 1>The vaccine? How comfortable do you feel about being in

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<v Speaker 1>line for a vaccine?

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<v Speaker 3>Listen? I would just go back to what Kamala Harris

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<v Speaker 3>said during the vice presidential debate when she was like, listen,

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<v Speaker 3>if doctor Fauci and the scientists tell me to take

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<v Speaker 3>the vaccine, I'll be first in line. And I feel

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<v Speaker 3>the same way. I trust science and I'm super excited that.

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<v Speaker 2>You know.

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<v Speaker 3>I think the third of the pharmaceutical companies that were

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<v Speaker 3>working on a vaccine released preliminary results and it was

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<v Speaker 3>it wasn't like the ninety percent the first two got,

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<v Speaker 3>but it was still really high for the success rate.

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<v Speaker 3>That's freaking exciting. I don't think even the general public

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<v Speaker 3>will have a chance to get it till like the spring,

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<v Speaker 3>though maybe the summer. So but you know, when when

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<v Speaker 3>it's out here, I'll definitely be really listening to what

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<v Speaker 3>the researchers say. I did, though, you know, in terms

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<v Speaker 3>of how you know black households, black people tend to

0:10:30.360 --> 0:10:33.160
<v Speaker 3>feel about vaccines. It ain't great. We can't forget the

0:10:33.200 --> 0:10:37.800
<v Speaker 3>early Testigee, like the Testigee experiment where they use black men.

0:10:37.880 --> 0:10:39.559
<v Speaker 3>I think it was it was just black men, right,

0:10:40.080 --> 0:10:42.040
<v Speaker 3>We're told they were going to get you know, could

0:10:42.040 --> 0:10:44.320
<v Speaker 3>be getting given treatment for syphilis, but we're just left

0:10:44.320 --> 0:10:47.240
<v Speaker 3>to suffer. So and I was reading about this that

0:10:47.640 --> 0:10:50.600
<v Speaker 3>there's actually it's really difficult to get Black Americans to

0:10:50.679 --> 0:10:54.320
<v Speaker 3>participate in these types of trials. And it's important for

0:10:54.360 --> 0:10:57.199
<v Speaker 3>people to participate from all voices and genders and stuff,

0:10:57.440 --> 0:10:59.200
<v Speaker 3>just on the off chance that there may be something

0:10:59.600 --> 0:11:03.040
<v Speaker 3>that causes one to react differently. But yeah, they had

0:11:03.040 --> 0:11:07.520
<v Speaker 3>a hard time getting a large sample size for black Americans.

0:11:07.520 --> 0:11:11.360
<v Speaker 3>But I totally I get oh, thousand percent. I get it,

0:11:11.400 --> 0:11:13.520
<v Speaker 3>and there's like, it's this. I mean, there's just this

0:11:13.640 --> 0:11:18.480
<v Speaker 3>level of suspicion for government, for you know, especially big pharma,

0:11:18.679 --> 0:11:22.120
<v Speaker 3>Like listen, they're gonna make boku boku money off of this.

0:11:22.200 --> 0:11:26.680
<v Speaker 3>We all know this. But I'll definitely be letting science

0:11:26.920 --> 0:11:30.280
<v Speaker 3>and whatever I read, like, really looking at the sources

0:11:30.280 --> 0:11:32.559
<v Speaker 3>of what I read to before we line up to

0:11:32.600 --> 0:11:33.400
<v Speaker 3>get the vaccine.

0:11:34.080 --> 0:11:37.040
<v Speaker 1>What about you, Yeah, I mean, well, I think the

0:11:37.040 --> 0:11:39.120
<v Speaker 1>good thing is that I've got a lot of medical

0:11:39.200 --> 0:11:41.640
<v Speaker 1>folks in my family, So definitely reaching out to her

0:11:41.640 --> 0:11:44.840
<v Speaker 1>mom and her friends, Definitely reaching out my my sister's

0:11:44.880 --> 0:11:46.120
<v Speaker 1>husband actually works with the Navy.

0:11:46.240 --> 0:11:48.960
<v Speaker 2>He's a he's a doctor, a medical doctor.

0:11:49.360 --> 0:11:52.040
<v Speaker 1>So even I remember when Corona first first first came out,

0:11:52.040 --> 0:11:54.240
<v Speaker 1>of course we all ran to ask him, and he

0:11:54.400 --> 0:11:56.240
<v Speaker 1>what's happening now is exactly what he said was going

0:11:56.320 --> 0:11:58.880
<v Speaker 1>to happen. He's like, honestly, the vast majority of people

0:11:58.880 --> 0:12:01.720
<v Speaker 1>at some point are going to get COVID. Most people

0:12:01.760 --> 0:12:04.920
<v Speaker 1>will be fine, some people will actually get sick, and

0:12:05.040 --> 0:12:08.880
<v Speaker 1>you know, and some people will get sick and in past,

0:12:08.960 --> 0:12:12.400
<v Speaker 1>but you know, not the majority of people. But I

0:12:12.440 --> 0:12:14.880
<v Speaker 1>just remember thinking, like, no, most people can't get it.

0:12:14.880 --> 0:12:17.679
<v Speaker 1>He's like, no, most people at some point are going

0:12:17.720 --> 0:12:20.000
<v Speaker 1>to get COVID, and maybe we won't even know they

0:12:20.000 --> 0:12:23.120
<v Speaker 1>have it. Like for example, in Newark where I live.

0:12:23.240 --> 0:12:26.520
<v Speaker 1>So New Jersey is ten percent of the population currently

0:12:26.559 --> 0:12:29.040
<v Speaker 1>has COVID, this is what they're estimating. And Newark is

0:12:29.120 --> 0:12:32.280
<v Speaker 1>up to twenty. But that's because of one particular area

0:12:32.280 --> 0:12:36.680
<v Speaker 1>in Newark. It's the Ironbound section. It's largely Portuguese and

0:12:36.760 --> 0:12:40.400
<v Speaker 1>it's a community that is super community oriented, like lots

0:12:40.440 --> 0:12:43.880
<v Speaker 1>of families live together. It's also really tight enit. They're

0:12:44.200 --> 0:12:46.560
<v Speaker 1>not that many parking spots, so people walk a lot.

0:12:46.840 --> 0:12:48.400
<v Speaker 1>I mean, you can go into like it's one of

0:12:48.440 --> 0:12:50.240
<v Speaker 1>my favorite places to eat because the food is amazing.

0:12:50.760 --> 0:12:53.240
<v Speaker 2>You can go you could walk from spot to spot

0:12:53.280 --> 0:12:56.360
<v Speaker 2>to spot. So I'm not surprised they're up to forty percent.

0:12:56.880 --> 0:13:00.520
<v Speaker 1>Oh, because of the close quarters and so you know

0:13:00.559 --> 0:13:03.360
<v Speaker 1>when he said, you know, most people at some point

0:13:03.520 --> 0:13:04.920
<v Speaker 1>are going to give COVID, and this is what he

0:13:05.000 --> 0:13:06.760
<v Speaker 1>told me in the very very beginning when it broke,

0:13:07.200 --> 0:13:09.240
<v Speaker 1>I didn't really see how that was possible, and now

0:13:09.280 --> 0:13:11.240
<v Speaker 1>I see how it could run the population.

0:13:11.960 --> 0:13:13.360
<v Speaker 2>So I'm just hoping.

0:13:14.559 --> 0:13:16.880
<v Speaker 1>That these vaccines work because honestly, it's like, how do

0:13:16.920 --> 0:13:18.840
<v Speaker 1>we get back to normal life if there's not a vaccine?

0:13:18.880 --> 0:13:21.480
<v Speaker 3>You know, Well, there's also you know, I think there

0:13:21.559 --> 0:13:25.240
<v Speaker 3>are some treatments and some what are they called some

0:13:25.240 --> 0:13:27.880
<v Speaker 3>some therapies, some types of therapies that have proven to

0:13:27.920 --> 0:13:31.040
<v Speaker 3>be effective against COVID, Like when you're when you're being

0:13:31.080 --> 0:13:33.920
<v Speaker 3>treated for it in the hospital, you know, maybe they'll

0:13:33.920 --> 0:13:36.400
<v Speaker 3>come up with something and continue to advance, you know,

0:13:36.640 --> 0:13:39.440
<v Speaker 3>the types of medical care you can receive if you

0:13:39.480 --> 0:13:41.680
<v Speaker 3>get it. It's just a big unknown, and you know,

0:13:41.720 --> 0:13:44.040
<v Speaker 3>I think people are also afraid of potential long term

0:13:44.080 --> 0:13:47.400
<v Speaker 3>impacts of COVID. You know, we don't necessarily know what

0:13:47.480 --> 0:13:49.400
<v Speaker 3>the long term implications can be. You know, will you

0:13:49.480 --> 0:13:52.800
<v Speaker 3>have like long issues in the future. I do feel

0:13:52.840 --> 0:13:54.680
<v Speaker 3>like shit, I mean, I don't know that I haven't

0:13:54.720 --> 0:13:56.839
<v Speaker 3>had it. I don't know that I've not had it

0:13:56.920 --> 0:13:59.240
<v Speaker 3>because I obviously don't get tested every day. When I

0:13:59.240 --> 0:14:01.920
<v Speaker 3>have been tested, it's negative. But part of me is

0:14:01.960 --> 0:14:04.120
<v Speaker 3>just like, Okay, we just got to hang in there, y'all, listen.

0:14:04.200 --> 0:14:07.280
<v Speaker 3>Like I have had some family, close family who's who's

0:14:07.320 --> 0:14:09.839
<v Speaker 3>gotten it in other states. But I'm just like let's

0:14:09.920 --> 0:14:12.280
<v Speaker 3>just keep it together. Can we just not get COVID?

0:14:12.320 --> 0:14:14.880
<v Speaker 3>Just hang in there so I and I understand what

0:14:14.920 --> 0:14:17.320
<v Speaker 3>you're saying about you and your brother in law about

0:14:17.679 --> 0:14:20.680
<v Speaker 3>you know, community spread, and eventually people will get it,

0:14:20.760 --> 0:14:23.400
<v Speaker 3>just just because that's that's the nature of these things.

0:14:24.000 --> 0:14:26.200
<v Speaker 3>But I think we can agree that in the US

0:14:26.360 --> 0:14:27.160
<v Speaker 3>it did not have to.

0:14:27.120 --> 0:14:27.680
<v Speaker 1>Be this bad.

0:14:27.920 --> 0:14:29.400
<v Speaker 3>It did not It did not have to be if

0:14:29.480 --> 0:14:32.600
<v Speaker 3>y'all just wore your damn masks, if there wasn't I mean,

0:14:32.640 --> 0:14:35.720
<v Speaker 3>if I mean, honestly, I mean, it should be criminal

0:14:36.000 --> 0:14:39.360
<v Speaker 3>what people like what the Trump administration has put out

0:14:39.400 --> 0:14:42.560
<v Speaker 3>there in terms of trying to break people's trust in

0:14:42.600 --> 0:14:44.800
<v Speaker 3>medicine and in science. It should be criminal because I

0:14:44.840 --> 0:14:47.480
<v Speaker 3>really do think it's caused lives, and you know, I

0:14:47.600 --> 0:14:50.400
<v Speaker 3>just that it's kind of like when you I think

0:14:50.440 --> 0:14:51.880
<v Speaker 3>of it the way that my mom would think about

0:14:51.920 --> 0:14:53.960
<v Speaker 3>me going out and learning to drive. She's like, baby,

0:14:53.960 --> 0:14:55.920
<v Speaker 3>I'm not afraid of you not being a good driver.

0:14:56.160 --> 0:14:58.760
<v Speaker 3>It's everyone else on the road that's the problem.

0:14:59.000 --> 0:15:00.800
<v Speaker 2>I agree, And.

0:15:00.720 --> 0:15:02.960
<v Speaker 3>I think that's the thing with COVID. It's it's maybe

0:15:03.000 --> 0:15:05.200
<v Speaker 3>you're taking all your precautions and wearing your mask and

0:15:05.480 --> 0:15:07.480
<v Speaker 3>limiting where you go. And you go to the one event,

0:15:07.960 --> 0:15:10.160
<v Speaker 3>but how do you trust everyone else at that event

0:15:10.200 --> 0:15:13.360
<v Speaker 3>has been you know, I can't as you have. So yeah,

0:15:14.200 --> 0:15:16.040
<v Speaker 3>here I sit in this that's.

0:15:15.960 --> 0:15:18.160
<v Speaker 1>I'm ordering everything all I'm like, shut and I'm like,

0:15:18.200 --> 0:15:21.440
<v Speaker 1>who's on my list? My saying a list naughty or nice?

0:15:21.520 --> 0:15:23.840
<v Speaker 1>I'm like, everything's coming directly to the house. I'm just

0:15:23.880 --> 0:15:27.120
<v Speaker 1>like I'm not. I have not even like thankfully, I

0:15:27.120 --> 0:15:29.160
<v Speaker 1>see that, you know, the folks have brought up all

0:15:29.160 --> 0:15:30.480
<v Speaker 1>the toilet paper as usual.

0:15:30.680 --> 0:15:32.720
<v Speaker 3>But really I thought we were over this, I know.

0:15:32.920 --> 0:15:34.880
<v Speaker 1>So what I did was last time, when when things

0:15:34.880 --> 0:15:37.560
<v Speaker 1>were decent, I knew it was going to happen again, honestly,

0:15:37.600 --> 0:15:39.680
<v Speaker 1>So when things were decent, had gone to Costco maybe

0:15:39.680 --> 0:15:42.840
<v Speaker 1>like two months ago and got like four months worth

0:15:42.840 --> 0:15:44.400
<v Speaker 1>of stuff because I was just like, I don't like

0:15:44.560 --> 0:15:48.160
<v Speaker 1>going food shopping or anything shopping really, so we are

0:15:48.200 --> 0:15:50.720
<v Speaker 1>still living off of that. We have plenty, So I

0:15:50.800 --> 0:15:52.680
<v Speaker 1>just but I remember that that was going to happen.

0:15:52.880 --> 0:15:55.200
<v Speaker 1>Besidewhile this is random, do you have one of those?

0:15:56.080 --> 0:15:58.640
<v Speaker 1>This is for the audience too, because they're kind of pricey,

0:15:58.720 --> 0:16:00.800
<v Speaker 1>so you know me, I'm not really one for spending

0:16:00.840 --> 0:16:02.480
<v Speaker 1>a ton of money, you know, those like is that

0:16:02.600 --> 0:16:05.480
<v Speaker 1>a temperate tempora pedic bed? What's the beds that go

0:16:05.720 --> 0:16:06.520
<v Speaker 1>that go up and down?

0:16:06.760 --> 0:16:08.160
<v Speaker 3>I think that's gonna be repedic.

0:16:08.240 --> 0:16:11.360
<v Speaker 2>Yeah right, But so I lately, like my like, my

0:16:11.480 --> 0:16:13.400
<v Speaker 2>shoulder has been like killing me. I'm a I'm a

0:16:13.480 --> 0:16:15.840
<v Speaker 2>shoulder sleeper, and I don't know if it's just because

0:16:15.840 --> 0:16:16.160
<v Speaker 2>of age.

0:16:16.200 --> 0:16:19.000
<v Speaker 1>And so my husband too, he's like, oh, my shoulder.

0:16:19.000 --> 0:16:21.200
<v Speaker 1>I'm like you too, it's but you know, our bet

0:16:21.280 --> 0:16:22.640
<v Speaker 1>is not that old. It's maybe like a year and

0:16:22.720 --> 0:16:25.360
<v Speaker 1>a half old. And lately our shoulders have been like

0:16:25.440 --> 0:16:28.080
<v Speaker 1>killing us because we're both like shoulders. I'm a I'm

0:16:28.080 --> 0:16:29.720
<v Speaker 1>a stomach sleeper and a shoulder sleeper.

0:16:29.760 --> 0:16:30.240
<v Speaker 2>It depends.

0:16:30.480 --> 0:16:31.800
<v Speaker 1>But I don't know what I'm doing in the middle

0:16:31.800 --> 0:16:34.680
<v Speaker 1>of the night, you know. But I'm like, lately my

0:16:34.680 --> 0:16:37.080
<v Speaker 1>shoulder has been killing me, and I'm like, is that

0:16:37.200 --> 0:16:40.240
<v Speaker 1>I want to bed? I know it's gonna cost because

0:16:40.240 --> 0:16:43.360
<v Speaker 1>beds always cost a bajillion dollars, But for those of

0:16:43.400 --> 0:16:45.720
<v Speaker 1>you are out there with those temper pedic whatever bajillion

0:16:45.720 --> 0:16:48.320
<v Speaker 1>dollar beds, is it worth it now that my body's

0:16:48.320 --> 0:16:49.080
<v Speaker 1>getting all beat.

0:16:49.000 --> 0:16:49.440
<v Speaker 2>Up and old?

0:16:49.480 --> 0:16:52.680
<v Speaker 1>I'm like, oh, I can't even sleep on my shoulder anymore.

0:16:52.880 --> 0:16:57.840
<v Speaker 1>Roman is right, you almost forty, except for I'm not almost.

0:16:57.840 --> 0:17:00.920
<v Speaker 1>I am forty forty one. Yeah, I know it sounds random,

0:17:00.920 --> 0:17:02.560
<v Speaker 1>but I'm like, cause you know, it's one of those

0:17:02.600 --> 0:17:05.480
<v Speaker 1>things where it's like Peloton, it's expensive, but it seems

0:17:05.480 --> 0:17:08.360
<v Speaker 1>to be worth the price because you love yours and honestly,

0:17:08.520 --> 0:17:11.119
<v Speaker 1>most people that I know that paid for Peloton, I

0:17:11.160 --> 0:17:13.760
<v Speaker 1>have to say I haven't. I've heard very few people

0:17:13.800 --> 0:17:15.720
<v Speaker 1>that have said I regret it, but like of my

0:17:15.720 --> 0:17:17.639
<v Speaker 1>friends that I've bought it, but is it one of

0:17:17.680 --> 0:17:20.959
<v Speaker 1>those buys where it's like, girl, I didn't need this tempopedic,

0:17:21.080 --> 0:17:22.920
<v Speaker 1>like it feels the same as my regular bed, or

0:17:22.960 --> 0:17:25.080
<v Speaker 1>you're like, girl, it's expensive, but it's so worth it.

0:17:25.119 --> 0:17:25.800
<v Speaker 2>So I'd love to.

0:17:25.800 --> 0:17:28.119
<v Speaker 3>Now, hold on't get me started on a peloton. I'm

0:17:28.160 --> 0:17:30.320
<v Speaker 3>going to make a hard left from that topic because

0:17:30.320 --> 0:17:32.000
<v Speaker 3>I will go on and on. I'm turning into one

0:17:32.040 --> 0:17:35.680
<v Speaker 3>of those people. Okay, back to mattresses. I would say,

0:17:35.680 --> 0:17:38.119
<v Speaker 3>talk to a chiropractor or talk to like someone on

0:17:38.200 --> 0:17:40.640
<v Speaker 3>there such thing as a yeah chiropractor is a back doctor, right,

0:17:41.119 --> 0:17:42.960
<v Speaker 3>and just see what they think about the temper pedick

0:17:43.000 --> 0:17:45.200
<v Speaker 3>and where you're having pain, because if you're going to

0:17:45.240 --> 0:17:48.680
<v Speaker 3>sleep on your shoulder regardless, maybe it's just you shouldn't

0:17:48.720 --> 0:17:51.280
<v Speaker 3>do that anymore, I know, on your back.

0:17:51.359 --> 0:17:53.639
<v Speaker 1>Like if I wake up in the middle of the

0:17:53.680 --> 0:17:55.840
<v Speaker 1>night and I realize I am, i roll on to

0:17:55.920 --> 0:17:57.280
<v Speaker 1>my back. But you know, you're like you don't know

0:17:57.280 --> 0:17:58.760
<v Speaker 1>when you're sleeping because you know when the sleep gets

0:17:58.800 --> 0:18:00.520
<v Speaker 1>good to you get in your comfort position.

0:18:01.160 --> 0:18:06.280
<v Speaker 2>And I'm just lately, I'm like.

0:18:05.800 --> 0:18:10.600
<v Speaker 3>If you're like squishing your shoulder, but I wholeheartedly believe

0:18:10.640 --> 0:18:12.760
<v Speaker 3>in a good night's sleep. Whatever you need to get there.

0:18:12.880 --> 0:18:14.760
<v Speaker 3>Like it's a crime that I have not replaced my

0:18:14.840 --> 0:18:17.679
<v Speaker 3>lumpy ass sad pillow in a long time because I

0:18:17.720 --> 0:18:19.639
<v Speaker 3>have all this neck pain when I wake up. I

0:18:19.680 --> 0:18:21.880
<v Speaker 3>need to do that. So while you guys are giving

0:18:21.880 --> 0:18:25.439
<v Speaker 3>tiffany mattress recommendations, let me know, holler about a good pillow.

0:18:25.920 --> 0:18:28.080
<v Speaker 1>Yes, because if you had, if you had, if you're

0:18:28.280 --> 0:18:30.000
<v Speaker 1>I'm man if was sure that it's the mattress, you know,

0:18:30.000 --> 0:18:32.040
<v Speaker 1>like I said, it's not some cheap mattress. But I'm

0:18:32.080 --> 0:18:33.919
<v Speaker 1>just like, oh, is this age, this is how we

0:18:34.000 --> 0:18:41.560
<v Speaker 1>live now? Is this half your little stretch my shoulder, like,

0:18:41.720 --> 0:18:42.680
<v Speaker 1>is this life? Now?

0:18:42.800 --> 0:18:44.080
<v Speaker 2>I don't want it to be life?

0:18:46.840 --> 0:18:51.159
<v Speaker 3>Listen, Oh, man aging is a privilege, right, it is

0:18:51.480 --> 0:18:54.560
<v Speaker 3>a privilege. All right, Well, should we take a quick

0:18:54.600 --> 0:18:57.879
<v Speaker 3>break and come back to answer some questions from other people?

0:18:58.440 --> 0:18:59.160
<v Speaker 2>Yes? We should?

0:18:59.680 --> 0:19:35.440
<v Speaker 3>All right, be right back guys with y'all's questions. All right,

0:19:35.480 --> 0:19:38.119
<v Speaker 3>we are back with your questions. We love when you

0:19:38.119 --> 0:19:39.960
<v Speaker 3>guys send us your questions. You can hit us up

0:19:40.000 --> 0:19:43.879
<v Speaker 3>at Brand Ambition Podcast on Instagram or Brand Ambition Podcast.

0:19:43.560 --> 0:19:45.400
<v Speaker 2>At gmail dot com.

0:19:45.920 --> 0:19:48.960
<v Speaker 3>Your old school. All right, let's uh, let's shake up

0:19:49.000 --> 0:19:53.040
<v Speaker 3>this reader mail bag. Tiffany, I don't know if you remember, well, silly,

0:19:53.160 --> 0:19:54.879
<v Speaker 3>of course you remember because you were interviewed for their

0:19:54.880 --> 0:19:57.720
<v Speaker 3>freaking New York Times about this but a few months ago,

0:19:57.760 --> 0:20:02.320
<v Speaker 3>doesn't it feel like years over the summer when you

0:20:02.359 --> 0:20:05.200
<v Speaker 3>were interviewed in the Times about your experience with your

0:20:05.359 --> 0:20:07.480
<v Speaker 3>the home appraisal experience because you were gonna what were

0:20:07.480 --> 0:20:09.119
<v Speaker 3>you gonna do? You're gonna get a cash out REFI

0:20:09.359 --> 0:20:11.560
<v Speaker 3>on the investment property that y'all.

0:20:11.520 --> 0:20:13.080
<v Speaker 1>On the on the on my primary house because it's

0:20:13.080 --> 0:20:14.639
<v Speaker 1>paid off. I was basically, I want to pull out

0:20:14.680 --> 0:20:16.720
<v Speaker 1>the money that the house was worth at least partially

0:20:16.960 --> 0:20:19.800
<v Speaker 1>because I wanted to invest it. So yeah, so we

0:20:19.800 --> 0:20:22.600
<v Speaker 1>we we Basically you have to go through almost as

0:20:22.600 --> 0:20:24.359
<v Speaker 1>if you're buying a house. You have to you know,

0:20:24.359 --> 0:20:27.399
<v Speaker 1>go to like a mortgage broker and and they have

0:20:27.480 --> 0:20:29.320
<v Speaker 1>to send a praiser to your house and how is

0:20:29.359 --> 0:20:32.520
<v Speaker 1>it worth? And I was like that seems low and yeah,

0:20:32.560 --> 0:20:33.119
<v Speaker 1>and it was.

0:20:33.640 --> 0:20:35.480
<v Speaker 2>But yeah, so I remember that. I remember.

0:20:35.560 --> 0:20:37.960
<v Speaker 3>I remember around that same time we were talking about it,

0:20:38.000 --> 0:20:40.040
<v Speaker 3>there was that viral video and y'all still we still

0:20:40.040 --> 0:20:43.840
<v Speaker 3>get messages from listeners forwarding us this story of the

0:20:43.880 --> 0:20:46.240
<v Speaker 3>where were they from? Florida? I think there was a

0:20:46.280 --> 0:20:50.919
<v Speaker 3>biracial couple, black women as black guys white and they

0:20:51.400 --> 0:20:54.399
<v Speaker 3>they experimented because their appraisal came in low for their house.

0:20:54.560 --> 0:20:57.120
<v Speaker 3>And the woman was like, Okay, I'm going to take

0:20:57.160 --> 0:21:01.679
<v Speaker 3>down all the black art, all the black paraphernalia, whatever

0:21:01.920 --> 0:21:03.880
<v Speaker 3>indicators that I'm black, And by the way, I'm gonna

0:21:03.880 --> 0:21:06.240
<v Speaker 3>take my own black self and our child and go

0:21:06.320 --> 0:21:08.360
<v Speaker 3>somewhere else when the appraiser comes back and just leave

0:21:08.359 --> 0:21:11.280
<v Speaker 3>my white husband. And of course, the appraisal came in

0:21:11.359 --> 0:21:15.760
<v Speaker 3>again above expectations. And what was interesting about this, you know,

0:21:15.880 --> 0:21:18.159
<v Speaker 3>the past few months is it does feel like people

0:21:18.200 --> 0:21:21.320
<v Speaker 3>are more willing to discuss racism and how it can

0:21:21.400 --> 0:21:24.200
<v Speaker 3>hurt people in terms of home value. But I wanted

0:21:24.240 --> 0:21:27.439
<v Speaker 3>to preface, like say all that because the question, our

0:21:27.440 --> 0:21:30.960
<v Speaker 3>first question actually comes from someone who's who says that

0:21:31.000 --> 0:21:34.560
<v Speaker 3>they're refinancing their home, which means an appraiser is coming

0:21:34.760 --> 0:21:37.520
<v Speaker 3>to appraise it. They want to know, how do I

0:21:37.560 --> 0:21:42.240
<v Speaker 3>make sure I'm not a victim of anti black racism? Tiffany, Well,

0:21:43.480 --> 0:21:46.840
<v Speaker 3>how do you erase your blackness? Well, it's freaking sad.

0:21:47.560 --> 0:21:51.199
<v Speaker 1>It is, And I would say this one. You want

0:21:51.240 --> 0:21:53.480
<v Speaker 1>to look at your appraisal. So this is what the

0:21:53.480 --> 0:21:56.320
<v Speaker 1>New York Times did for me. They asked me for

0:21:56.440 --> 0:21:58.880
<v Speaker 1>my appraisal and I was like okay, And then once

0:21:58.920 --> 0:22:01.480
<v Speaker 1>she when the report came back, they didn't end up

0:22:01.560 --> 0:22:03.040
<v Speaker 1>using me for the story because there are people.

0:22:02.800 --> 0:22:04.960
<v Speaker 2>Who had way worse thing, which is terrible.

0:22:05.280 --> 0:22:07.880
<v Speaker 1>But she gave me the feedback of like what their

0:22:07.920 --> 0:22:11.840
<v Speaker 1>independent appraiser said that he was looking for. So they're

0:22:11.880 --> 0:22:15.920
<v Speaker 1>looking for one, are the comparables which ours weren't. Are

0:22:15.960 --> 0:22:19.679
<v Speaker 1>they comparable? So comparable is other homes in the area

0:22:20.119 --> 0:22:24.480
<v Speaker 1>that have recently sold, and they are are kind of

0:22:24.480 --> 0:22:26.359
<v Speaker 1>a match for your home. They have three bedrooms, you

0:22:26.359 --> 0:22:28.440
<v Speaker 1>have three bedrooms. They have two bathrooms, You have two bathrooms.

0:22:28.880 --> 0:22:31.800
<v Speaker 1>They're you know, twenty five hundred twenty five one hundred

0:22:31.800 --> 0:22:34.600
<v Speaker 1>scrap feet you're twenty five hundred squriffeet Are they comparable? Like,

0:22:34.640 --> 0:22:38.800
<v Speaker 1>for example, for our home, we had recently renovated, like

0:22:38.840 --> 0:22:40.919
<v Speaker 1>I'm talking about, like you know, new plumbing, new electric,

0:22:40.960 --> 0:22:44.040
<v Speaker 1>new everything. The comps that they had and our appraisal

0:22:44.080 --> 0:22:46.320
<v Speaker 1>were not renovated at all. Some of them were actually

0:22:46.400 --> 0:22:50.960
<v Speaker 1>like really broken down. So you're literally comparing apple to

0:22:51.000 --> 0:22:51.800
<v Speaker 1>spoiled apples.

0:22:51.800 --> 0:22:54.040
<v Speaker 2>So that's one, that's what you're going to look for. Two.

0:22:54.119 --> 0:22:56.919
<v Speaker 1>Some other ways that sometimes appraisers can get sneaky with

0:22:56.960 --> 0:23:01.480
<v Speaker 1>it is that they will budge the rooms sizes. So

0:23:02.040 --> 0:23:04.959
<v Speaker 1>know what, what are the dimensions of your bedrooms, of

0:23:05.000 --> 0:23:07.560
<v Speaker 1>your bathrooms, of your common areas? To make sure that

0:23:08.160 --> 0:23:10.520
<v Speaker 1>the dimensions of your home are they is it the

0:23:10.520 --> 0:23:13.000
<v Speaker 1>same what's in the appraisal? You know?

0:23:14.320 --> 0:23:17.399
<v Speaker 3>Also Two, can you ask for a copy? I forget

0:23:17.600 --> 0:23:20.119
<v Speaker 3>Actually yeah, I remember getting a copy of my appraisal

0:23:20.200 --> 0:23:22.000
<v Speaker 3>now that I'm talking out loud, So you should definitely

0:23:22.080 --> 0:23:22.560
<v Speaker 3>review that.

0:23:23.200 --> 0:23:26.359
<v Speaker 1>Yeah, and you can get it typically because it's the

0:23:26.680 --> 0:23:30.760
<v Speaker 1>it's the bank, because the bank is wanting to see

0:23:31.720 --> 0:23:35.240
<v Speaker 1>how much is this house worth if for whatever reason,

0:23:35.400 --> 0:23:38.080
<v Speaker 1>you cannot afford this mortgage. If I have to snatch

0:23:38.119 --> 0:23:41.000
<v Speaker 1>this house from you, will I get my money back?

0:23:41.160 --> 0:23:44.440
<v Speaker 1>So it's the bank that is in charge of the appraiser,

0:23:45.040 --> 0:23:47.399
<v Speaker 1>of picking the appraiser, sending them out and getting you

0:23:47.440 --> 0:23:49.639
<v Speaker 1>the report. So you have to ask you you typically

0:23:49.680 --> 0:23:51.600
<v Speaker 1>they'll send it to you the bank, but you could say, hey,

0:23:51.600 --> 0:23:52.800
<v Speaker 1>can I get my appraisal report?

0:23:53.160 --> 0:23:55.320
<v Speaker 2>So you're looking for things like that something else too.

0:23:56.400 --> 0:23:59.119
<v Speaker 1>There's a code that they give you, and I believe

0:23:59.160 --> 0:24:02.560
<v Speaker 1>it starts with the A sea. It's like C one,

0:24:02.560 --> 0:24:06.240
<v Speaker 1>C two, C three. This is how our racist appraiser

0:24:06.359 --> 0:24:09.000
<v Speaker 1>tried to get over is that he knew the house

0:24:09.119 --> 0:24:12.400
<v Speaker 1>was newly renovated. And there's a code like C two

0:24:12.560 --> 0:24:15.360
<v Speaker 1>for example, for brand new renovated house. Not brand new house,

0:24:15.359 --> 0:24:18.080
<v Speaker 1>but newly renovated house. He put us down for C

0:24:18.280 --> 0:24:21.879
<v Speaker 1>three normal wear and tear house. So there's a cap

0:24:21.960 --> 0:24:24.879
<v Speaker 1>for how much house that is not renovated can be

0:24:24.960 --> 0:24:27.360
<v Speaker 1>worth versus a house that we hadn't even lived here

0:24:27.400 --> 0:24:29.320
<v Speaker 1>for five months. Yet when we got it and he

0:24:29.440 --> 0:24:32.880
<v Speaker 1>kept remarking, upon wasn't an accident, it was intentionally done

0:24:32.920 --> 0:24:34.960
<v Speaker 1>because he was this is what's so funny. He was

0:24:35.040 --> 0:24:37.720
<v Speaker 1>so nice and he kept saying, this house.

0:24:37.560 --> 0:24:40.359
<v Speaker 2>Is so beautiful, beautiful in the house when he came,

0:24:41.200 --> 0:24:42.560
<v Speaker 2>this renovation is so great.

0:24:42.800 --> 0:24:44.760
<v Speaker 1>So he said those things, hi stuff, and we said, yep,

0:24:44.760 --> 0:24:47.120
<v Speaker 1>were newly renovated and new plumbing, new electric. We showed

0:24:47.200 --> 0:24:49.320
<v Speaker 1>him all the new pipes, everything. So for him to

0:24:49.359 --> 0:24:53.639
<v Speaker 1>put down this to classify us as a house that

0:24:53.680 --> 0:24:56.080
<v Speaker 1>has not been renovated but in fact has normal wear

0:24:56.080 --> 0:24:58.480
<v Speaker 1>and tear, which we say, which we for example, like

0:24:58.520 --> 0:25:00.720
<v Speaker 1>my parents' house, it is well cut, but that's not

0:25:00.800 --> 0:25:02.240
<v Speaker 1>newly renovated, you know.

0:25:02.400 --> 0:25:04.840
<v Speaker 2>So those are things you want to look out for too.

0:25:04.880 --> 0:25:06.960
<v Speaker 1>So when that happens, what you can do is your

0:25:06.960 --> 0:25:09.359
<v Speaker 1>recourse is you can report them. There's like a if

0:25:09.760 --> 0:25:11.600
<v Speaker 1>you do your Google's, there's like a report. There's a

0:25:11.680 --> 0:25:14.440
<v Speaker 1>special agency I can't remember where you can report appraisers.

0:25:14.440 --> 0:25:18.720
<v Speaker 1>But even better, you want to go back to the

0:25:19.480 --> 0:25:23.720
<v Speaker 1>to the mortgage, your lender and say, hey, this appraisal

0:25:23.880 --> 0:25:28.160
<v Speaker 1>seems under here are the discrepancies you might also want

0:25:28.160 --> 0:25:31.840
<v Speaker 1>to reach out to your personal your realtor and ask

0:25:31.840 --> 0:25:36.400
<v Speaker 1>them to pull like equitable comps so they can show like, oh,

0:25:36.480 --> 0:25:39.720
<v Speaker 1>the comparables in this area, say otherwise than what the

0:25:39.760 --> 0:25:40.960
<v Speaker 1>appraiser has put in here.

0:25:41.840 --> 0:25:42.400
<v Speaker 2>It's so crazy.

0:25:42.440 --> 0:25:45.240
<v Speaker 1>Like I said, I'm working on a law with Assembly

0:25:45.320 --> 0:25:46.119
<v Speaker 1>Women Angelobe M.

0:25:46.160 --> 0:25:47.720
<v Speaker 2>Knight in the state of New Jersey to make.

0:25:47.640 --> 0:25:52.880
<v Speaker 1>It illegal to appraise someone's house lower or higher based

0:25:52.920 --> 0:25:56.800
<v Speaker 1>upon their gender, their sexual orientation, or their race, because

0:25:56.800 --> 0:25:59.280
<v Speaker 1>even though they're not allowed to, it is not there's

0:25:59.280 --> 0:26:02.640
<v Speaker 1>no legal statute that I want the statue to say.

0:26:02.640 --> 0:26:05.359
<v Speaker 1>If you're caught doing so, you lose your license. So

0:26:05.400 --> 0:26:08.680
<v Speaker 1>you think once twice thrice about walking into a black

0:26:08.720 --> 0:26:12.720
<v Speaker 1>home in New Jersey and appraising otherwise. Yeah, So unfortunately

0:26:12.800 --> 0:26:15.159
<v Speaker 1>that's that's like, that's the recourse that you have. And

0:26:16.160 --> 0:26:17.680
<v Speaker 1>at the end of the day, you know the bank

0:26:17.720 --> 0:26:20.119
<v Speaker 1>wants a fair appraisal because you know, they're wanting to

0:26:20.119 --> 0:26:22.520
<v Speaker 1>make sure they get their their money, so they have

0:26:22.600 --> 0:26:24.199
<v Speaker 1>to take the house so you can go back to

0:26:24.240 --> 0:26:26.760
<v Speaker 1>the bank and they can send out another appraiser. Now,

0:26:26.760 --> 0:26:29.919
<v Speaker 1>the problem is is that you pay for the appraisal.

0:26:30.200 --> 0:26:32.440
<v Speaker 1>So it's frustrating because I think my appraisal was like

0:26:32.440 --> 0:26:34.720
<v Speaker 1>maybe like eight hundred bucks. So if I wanted to

0:26:34.720 --> 0:26:36.920
<v Speaker 1>pay for another appraisal that might be another eight hundred bucks,

0:26:36.960 --> 0:26:40.480
<v Speaker 1>then you might not have that. So yeah, it's it's

0:26:40.640 --> 0:26:43.480
<v Speaker 1>it's not fun times over there when you're when you're worried.

0:26:43.520 --> 0:26:46.720
<v Speaker 3>But I do think, do you think, because I mean,

0:26:47.160 --> 0:26:49.439
<v Speaker 3>you know, it's still an it's an ongoing issue and

0:26:49.480 --> 0:26:52.840
<v Speaker 3>it kills me. But do you think and you your

0:26:52.880 --> 0:26:55.040
<v Speaker 3>plan originally was to like not be in the house,

0:26:55.080 --> 0:26:57.080
<v Speaker 3>right you're going to have a white friend. I mean,

0:26:57.119 --> 0:26:58.520
<v Speaker 3>do you think that people should do that?

0:26:58.960 --> 0:27:01.480
<v Speaker 2>Yes? Is that absolutely sad?

0:27:01.640 --> 0:27:03.600
<v Speaker 3>Is that the tip just go don't be there?

0:27:04.080 --> 0:27:05.439
<v Speaker 2>Yea, honestly, because here's the thing.

0:27:05.440 --> 0:27:07.720
<v Speaker 1>It's almost like saying like if I do I think

0:27:07.760 --> 0:27:11.680
<v Speaker 1>that like in you know, in Mississippi at night, should

0:27:11.720 --> 0:27:12.560
<v Speaker 1>I walk the streets?

0:27:12.600 --> 0:27:14.520
<v Speaker 2>Absolutely not not as a black person.

0:27:15.000 --> 0:27:19.040
<v Speaker 1>So I my plan was, and honestly, it's a shame

0:27:19.160 --> 0:27:21.600
<v Speaker 1>that I have to make this recommendation that if you

0:27:21.680 --> 0:27:23.840
<v Speaker 1>are black, to take down your black pictures. I see

0:27:23.880 --> 0:27:26.320
<v Speaker 1>we took down our pictures and things, but we were here.

0:27:26.400 --> 0:27:29.400
<v Speaker 1>My plan was to have my friend Catherine, she's white,

0:27:30.160 --> 0:27:31.720
<v Speaker 1>for her to be me because you don't have to

0:27:31.720 --> 0:27:35.600
<v Speaker 1>be here. You can anybody can say hey, I'm Tiffany, and.

0:27:35.560 --> 0:27:36.400
<v Speaker 2>So that was my plan.

0:27:36.440 --> 0:27:40.159
<v Speaker 1>But it was literally in March when the pandemic hit

0:27:40.240 --> 0:27:41.919
<v Speaker 1>and it got to be really crazy and we were

0:27:41.920 --> 0:27:44.760
<v Speaker 1>heavily quarantined, so she couldn't come here.

0:27:45.080 --> 0:27:46.960
<v Speaker 2>So that was my plan to not be here.

0:27:47.000 --> 0:27:49.080
<v Speaker 1>I know we would have gotten a different outcome, honestly,

0:27:50.280 --> 0:27:52.520
<v Speaker 1>but yeah, it's some shame that you have to even

0:27:52.560 --> 0:27:57.320
<v Speaker 1>think like that, but absolutely mm hm.

0:27:58.240 --> 0:28:00.520
<v Speaker 3>Well thank you for Actually I realized she sent us

0:28:00.520 --> 0:28:03.040
<v Speaker 3>a question before that that's mostly the answer. This really

0:28:03.080 --> 0:28:04.959
<v Speaker 3>quick because I don't want her thinking that, you know,

0:28:05.000 --> 0:28:08.040
<v Speaker 3>we ignore her other question. This is an interesting one.

0:28:08.080 --> 0:28:12.160
<v Speaker 3>She said, Well, this isn't necessarily new, but she's looking

0:28:12.200 --> 0:28:15.199
<v Speaker 3>at her bank account and how the interest rates for

0:28:15.280 --> 0:28:18.480
<v Speaker 3>savings have gone down to, you know, much lower, so

0:28:18.560 --> 0:28:21.439
<v Speaker 3>an online only bank, y'all know, we love our online

0:28:21.440 --> 0:28:24.040
<v Speaker 3>only banks because they tend to offer rates that are way, way,

0:28:24.040 --> 0:28:27.719
<v Speaker 3>way higher than national savings rates, especially for big banks.

0:28:28.160 --> 0:28:31.080
<v Speaker 3>She asks, what's your perspective on taking some money out

0:28:31.080 --> 0:28:33.760
<v Speaker 3>of my savings account and putting it towards stocks or

0:28:33.800 --> 0:28:37.119
<v Speaker 3>an ETF to ensure my money is working for me.

0:28:38.080 --> 0:28:42.560
<v Speaker 1>Well, here is my perspective that your emergency fund is

0:28:42.600 --> 0:28:46.200
<v Speaker 1>your first line of events, and if you are going

0:28:46.240 --> 0:28:47.960
<v Speaker 1>to invest some of it, I would leave.

0:28:47.840 --> 0:28:50.840
<v Speaker 2>At least at least three.

0:28:50.680 --> 0:28:56.040
<v Speaker 1>Months liquid cash available to you, because if something should happen,

0:28:56.560 --> 0:28:58.959
<v Speaker 1>it gives you three months to figure out how are

0:28:58.960 --> 0:29:00.800
<v Speaker 1>you going to sell some I said, are you gonna

0:29:00.840 --> 0:29:01.400
<v Speaker 1>sell some stocks?

0:29:01.440 --> 0:29:03.920
<v Speaker 2>Are you gonna are you gonna liquidate some things? You know? Whatever?

0:29:03.960 --> 0:29:04.560
<v Speaker 2>That looks like.

0:29:04.640 --> 0:29:06.600
<v Speaker 1>So a lot of people ask me that, A lot

0:29:06.640 --> 0:29:08.560
<v Speaker 1>like ooh girl, like I have six months or I

0:29:08.560 --> 0:29:11.120
<v Speaker 1>have got my three months and it's not making any money.

0:29:11.200 --> 0:29:15.000
<v Speaker 2>It's not that is not supposed to Yeah.

0:29:15.040 --> 0:29:16.640
<v Speaker 3>Right, it's not supposed to work. You don't need to

0:29:16.680 --> 0:29:19.040
<v Speaker 3>expect that. I think people are expecting too much other

0:29:19.080 --> 0:29:19.640
<v Speaker 3>little safety.

0:29:19.720 --> 0:29:22.160
<v Speaker 1>Yeah, it's almost like you get hurt, right, and you're like,

0:29:22.240 --> 0:29:23.680
<v Speaker 1>my band aid's not cute, girl.

0:29:24.240 --> 0:29:25.240
<v Speaker 2>The band is not about.

0:29:25.000 --> 0:29:28.720
<v Speaker 3>Cute body it belongs or is it okay?

0:29:29.000 --> 0:29:31.600
<v Speaker 1>It's worth Yes, the band aid is literally there to

0:29:31.640 --> 0:29:34.680
<v Speaker 1>protect your your skin from further infection. That's literally it.

0:29:34.760 --> 0:29:36.800
<v Speaker 1>And then you know you can put on other things

0:29:36.800 --> 0:29:38.720
<v Speaker 1>to make yourself cute. So at the very least keep

0:29:38.760 --> 0:29:41.640
<v Speaker 1>your three months, I say six months or more. I'm

0:29:41.400 --> 0:29:43.760
<v Speaker 1>I'm I'm at a one year because I just like,

0:29:43.760 --> 0:29:47.760
<v Speaker 1>I'm super paranoid. But yeah, it's it's literally supposed to

0:29:47.760 --> 0:29:50.480
<v Speaker 1>be there, to be like it's an actual emergency. Who

0:29:50.600 --> 0:29:53.120
<v Speaker 1>thank goodness, I have some money here, not at it's

0:29:53.160 --> 0:29:55.360
<v Speaker 1>an emergency. Oh my gosh, the market is down. We

0:29:55.360 --> 0:29:56.840
<v Speaker 1>actually don't have as much money as we thought.

0:29:56.840 --> 0:29:57.720
<v Speaker 2>We did. What we're gonna do?

0:29:58.320 --> 0:30:01.000
<v Speaker 3>No, yeah, exactly you should when you put money in

0:30:01.000 --> 0:30:03.360
<v Speaker 3>the savings account, you should think of it and its

0:30:03.400 --> 0:30:05.920
<v Speaker 3>purpose a lot differently, and it's to be there for you.

0:30:06.000 --> 0:30:08.240
<v Speaker 3>It's and I guess maybe you know, we can take

0:30:08.280 --> 0:30:10.960
<v Speaker 3>some response, but we do get very excited about savings

0:30:11.040 --> 0:30:13.320
<v Speaker 3>rates and online only banks, which is great. It's nice

0:30:13.320 --> 0:30:15.440
<v Speaker 3>to make some money off your money, but it's not

0:30:15.480 --> 0:30:17.720
<v Speaker 3>the you know, that's not the primary reason that you're

0:30:17.840 --> 0:30:19.720
<v Speaker 3>you know, putting that savings. I don't really consider my

0:30:19.760 --> 0:30:24.360
<v Speaker 3>savings a technically an investment unless you're talking about investing

0:30:24.360 --> 0:30:27.440
<v Speaker 3>against or protecting me from future risks. But uh yeah,

0:30:27.520 --> 0:30:31.280
<v Speaker 3>definitely a fair question. All right, let's move on to

0:30:31.520 --> 0:30:39.520
<v Speaker 3>a last question. Do okay, whoa You're just going to

0:30:39.600 --> 0:30:42.240
<v Speaker 3>ignore that sound of pots and pans falling on the

0:30:42.240 --> 0:30:45.040
<v Speaker 3>floor upstairs. All right. This comes from listener who wants

0:30:45.040 --> 0:30:47.360
<v Speaker 3>to go with a name Yes men love it Yeah,

0:30:47.360 --> 0:30:49.920
<v Speaker 3>and then says I have one thousand dollars left to

0:30:49.920 --> 0:30:51.920
<v Speaker 3>pay off my card note, which I intend to pay

0:30:51.920 --> 0:30:54.520
<v Speaker 3>off in December. I recently did a balance transfer with

0:30:54.560 --> 0:30:57.400
<v Speaker 3>my credit union for ten thousand dollars at zero percent

0:30:57.440 --> 0:31:00.760
<v Speaker 3>for twenty two months, but I've still got six thousand

0:31:00.840 --> 0:31:03.760
<v Speaker 3>dollars on another credit card with an APR of twenty

0:31:03.880 --> 0:31:07.720
<v Speaker 3>point four percent APR. I've been focusing on paying off

0:31:07.760 --> 0:31:10.160
<v Speaker 3>debt and less on savings during the pandemic, since my

0:31:10.200 --> 0:31:13.760
<v Speaker 3>overall expenditures have decreased. But as I begin to restructure

0:31:13.800 --> 0:31:16.520
<v Speaker 3>my finances so I no longer have a car loan

0:31:16.560 --> 0:31:19.800
<v Speaker 3>to pay on, I'm wondering where I should allocate those funds.

0:31:20.080 --> 0:31:22.920
<v Speaker 3>Do you recommend paying off my other credit card or

0:31:22.920 --> 0:31:26.560
<v Speaker 3>aggressively paying off the balance transfer credit card which has

0:31:26.600 --> 0:31:29.959
<v Speaker 3>ten thousand dollars on it, or with all the pandemic uncertainty,

0:31:29.960 --> 0:31:33.480
<v Speaker 3>should I put money in savings. Thank you for your recommendation.

0:31:34.840 --> 0:31:36.520
<v Speaker 3>This was interesting, Yasmin.

0:31:37.600 --> 0:31:42.440
<v Speaker 1>YESI girl, so it's not like me that guess he

0:31:42.520 --> 0:31:46.120
<v Speaker 1>doesn't have much in savings, which makes me, and I'm

0:31:46.120 --> 0:31:50.320
<v Speaker 1>sure you, Mandy, because you know we're savaholics, very nervous.

0:31:51.480 --> 0:31:53.120
<v Speaker 1>I'm glad that, you know, I mean, I'm glad that

0:31:53.120 --> 0:31:56.720
<v Speaker 1>you're being more responsible, you know, kind of like reconfiguring

0:31:56.800 --> 0:31:59.800
<v Speaker 1>your your your debt so you can pay less and

0:32:00.480 --> 0:32:02.840
<v Speaker 1>the money that you do pay out has packed more

0:32:02.880 --> 0:32:06.040
<v Speaker 1>of a punch. But it's Showtime synergy. Some of y'all

0:32:06.040 --> 0:32:08.200
<v Speaker 1>don't know what that's from. Where's that from, Mandy? It's

0:32:08.200 --> 0:32:09.040
<v Speaker 1>Showtime energy?

0:32:09.480 --> 0:32:12.040
<v Speaker 3>Come on, Mandy, Wait, wait a second, because did you

0:32:12.080 --> 0:32:14.160
<v Speaker 3>say that on a previous episode, because I got an

0:32:14.160 --> 0:32:19.000
<v Speaker 3>email about it. Yes, y'all said y'all, and I was like,

0:32:19.040 --> 0:32:19.720
<v Speaker 3>I don't think it.

0:32:19.640 --> 0:32:22.840
<v Speaker 2>Was me, but it was, well, you know, to be fair,

0:32:22.920 --> 0:32:24.320
<v Speaker 2>you I don't even know. No.

0:32:24.920 --> 0:32:26.960
<v Speaker 1>So it's Gem and the Holograms. I used to watch

0:32:27.000 --> 0:32:28.360
<v Speaker 1>when I was in the second grade, so clearly you

0:32:28.400 --> 0:32:29.360
<v Speaker 1>were like Rio's age.

0:32:29.240 --> 0:32:30.120
<v Speaker 2>At that time. If that.

0:32:31.240 --> 0:32:34.280
<v Speaker 1>Yeah, So what happened in Jem and the Holograms is

0:32:34.280 --> 0:32:37.800
<v Speaker 1>that she used to wear these these star earrings and

0:32:39.120 --> 0:32:42.400
<v Speaker 1>Jericho was like the Clark Kent and then Jim was Superman,

0:32:42.480 --> 0:32:44.680
<v Speaker 1>so she would touch the ear rings and say it's

0:32:44.720 --> 0:32:47.440
<v Speaker 1>showtime synergy and she would turn into gem. So I'm

0:32:47.480 --> 0:32:50.640
<v Speaker 1>just sharing that, like basically, now was the time to

0:32:50.720 --> 0:32:54.160
<v Speaker 1>take like we're in it, now, you're on stage. You

0:32:54.200 --> 0:32:58.560
<v Speaker 1>should have savings because if things don't, if things go left,

0:32:59.040 --> 0:33:01.800
<v Speaker 1>what will you rely on. It's not the debt freedom.

0:33:02.080 --> 0:33:04.360
<v Speaker 1>Not to say you shouldn't pay off debt, but you

0:33:04.400 --> 0:33:06.640
<v Speaker 1>certainly should have some savings at least at least at

0:33:06.720 --> 0:33:09.120
<v Speaker 1>least three months of your bare bones savings that I

0:33:09.200 --> 0:33:11.360
<v Speaker 1>like to call your noodle budget because it makes me

0:33:11.440 --> 0:33:14.000
<v Speaker 1>nervous because you are assuming that everything's going to go right,

0:33:14.080 --> 0:33:16.600
<v Speaker 1>you're going to keep your job, that the economy is

0:33:16.600 --> 0:33:18.800
<v Speaker 1>not going to certainly like swerve to the left or

0:33:18.800 --> 0:33:21.240
<v Speaker 1>to the right. Meanwhile, even the FED is not assuming

0:33:21.280 --> 0:33:23.280
<v Speaker 1>the economy is not going to swerve. They put on

0:33:23.400 --> 0:33:26.440
<v Speaker 1>an article or they well, the bet is not a person,

0:33:26.520 --> 0:33:30.160
<v Speaker 1>but basically the FED is the report said, I think

0:33:30.200 --> 0:33:34.680
<v Speaker 1>it was a CNBC that they're going to keep interest

0:33:34.760 --> 0:33:38.080
<v Speaker 1>rates this low to twenty twenty three, and so that

0:33:38.120 --> 0:33:42.160
<v Speaker 1>should make everyone not nervous, but to put you on

0:33:42.280 --> 0:33:45.200
<v Speaker 1>alert because the FED uses the interest rate as a

0:33:45.280 --> 0:33:49.920
<v Speaker 1>gear when things are going really fast and good they're like,

0:33:49.920 --> 0:33:52.600
<v Speaker 1>wh whoa, whoa, whoa, gear up, gear up, gear up,

0:33:52.680 --> 0:33:55.920
<v Speaker 1>raise interest rates so less people can borrow, slow down

0:33:55.960 --> 0:33:58.880
<v Speaker 1>the economy when things are really slow and sluggish where

0:33:58.920 --> 0:34:00.239
<v Speaker 1>we are now, and worries them.

0:34:00.640 --> 0:34:03.400
<v Speaker 2>They gear down and.

0:34:03.200 --> 0:34:05.840
<v Speaker 1>They say, okay, make interest rates as low as possible

0:34:05.880 --> 0:34:08.960
<v Speaker 1>so more people can borrow to make money flow to

0:34:09.000 --> 0:34:11.640
<v Speaker 1>the economy. So for them to say we are going

0:34:11.680 --> 0:34:14.520
<v Speaker 1>to stay in the gear that is meant to bring

0:34:14.560 --> 0:34:18.520
<v Speaker 1>the economy back to life until twenty twenty three, No,

0:34:18.719 --> 0:34:20.759
<v Speaker 1>let you know how long we're going to be in

0:34:20.840 --> 0:34:22.640
<v Speaker 1>this financially uncertain time.

0:34:22.800 --> 0:34:25.360
<v Speaker 2>At least for another two years.

0:34:25.600 --> 0:34:28.879
<v Speaker 1>So I say, saves, get your savings on at least

0:34:28.880 --> 0:34:31.560
<v Speaker 1>three months, and then go back to aggressively putting putting

0:34:31.560 --> 0:34:32.160
<v Speaker 1>away for debt.

0:34:32.560 --> 0:34:32.840
<v Speaker 2>Yeah.

0:34:32.960 --> 0:34:35.560
<v Speaker 3>I mean, it's interesting that you're so, and I understand

0:34:35.560 --> 0:34:37.640
<v Speaker 3>it because your car is in your driveway and it

0:34:37.760 --> 0:34:39.360
<v Speaker 3>just looks like debt and you want to pay it

0:34:39.400 --> 0:34:41.040
<v Speaker 3>off and you want to feel that freedom of having

0:34:41.040 --> 0:34:43.040
<v Speaker 3>a totally paid off car. You say, you've got one

0:34:43.040 --> 0:34:46.000
<v Speaker 3>thousand dollars left to pay on that car. It's not

0:34:46.040 --> 0:34:48.040
<v Speaker 3>that much. I mean, if you're planning to pay that

0:34:48.040 --> 0:34:50.160
<v Speaker 3>off in December, why don't you plan instead to put

0:34:50.200 --> 0:34:52.480
<v Speaker 3>that in savings, Like one thousand dollars is a nice

0:34:52.840 --> 0:34:55.600
<v Speaker 3>head start for your savings account, and you can keep

0:34:55.600 --> 0:34:58.279
<v Speaker 3>paying off your regular car note. And I'm saying that

0:34:58.320 --> 0:35:02.000
<v Speaker 3>because your wealth the I'm trying to name banks, But anyway,

0:35:02.040 --> 0:35:04.360
<v Speaker 3>her credit card that has the six thousand dollars on

0:35:04.360 --> 0:35:07.040
<v Speaker 3>it and an APR of twenty point four percent, I'm

0:35:07.040 --> 0:35:09.400
<v Speaker 3>guessing if you got to prove for it that suite

0:35:09.480 --> 0:35:11.759
<v Speaker 3>of a balance transfer like she got ten k a

0:35:11.880 --> 0:35:14.000
<v Speaker 3>zero percent for twenty two months, you need a pretty

0:35:14.000 --> 0:35:16.600
<v Speaker 3>decent credit score to qualify. So I'm going to guess

0:35:16.640 --> 0:35:19.799
<v Speaker 3>that your car note is not a higher APR than

0:35:19.880 --> 0:35:22.600
<v Speaker 3>that credit card that you have left that twenty point

0:35:22.600 --> 0:35:25.160
<v Speaker 3>four APR. So even so, if you're really, you know,

0:35:25.360 --> 0:35:28.680
<v Speaker 3>organizing your debts for the most expensive to least expensive,

0:35:28.680 --> 0:35:30.200
<v Speaker 3>I would think your car note would come at the

0:35:30.200 --> 0:35:32.480
<v Speaker 3>bottom of the priority list because it's not costing you

0:35:32.560 --> 0:35:35.359
<v Speaker 3>quite as much. But regardless, I do agree. I mean,

0:35:35.400 --> 0:35:37.520
<v Speaker 3>if you're if you have you've gotten to a place

0:35:37.520 --> 0:35:40.279
<v Speaker 3>where you have sixteen thousand dollars in debt, perhaps that

0:35:40.400 --> 0:35:43.000
<v Speaker 3>is because you know you haven't had much in savings,

0:35:43.080 --> 0:35:45.239
<v Speaker 3>or you have. You know, you're you've been spending more

0:35:45.239 --> 0:35:47.840
<v Speaker 3>than you earn so and I'm glad to see to

0:35:47.960 --> 0:35:50.560
<v Speaker 3>hear that you've been, you know, focusing on saving now

0:35:50.560 --> 0:35:54.000
<v Speaker 3>that your expenses have decreased. But I would I really

0:35:54.040 --> 0:35:56.680
<v Speaker 3>like to see you continue that. So instead of paying

0:35:56.680 --> 0:35:59.680
<v Speaker 3>off the car loan in December, I would say, I mean, eventually,

0:35:59.800 --> 0:36:02.879
<v Speaker 3>hope you'll get there, but try to start funding your

0:36:02.920 --> 0:36:05.920
<v Speaker 3>emergency fund and then focus on that six K balance

0:36:05.960 --> 0:36:08.600
<v Speaker 3>on your Wells Fargo card. But don't sleep on that

0:36:08.640 --> 0:36:12.200
<v Speaker 3>twenty two month balance transfer offer at zero percent. Definitely

0:36:12.239 --> 0:36:14.160
<v Speaker 3>read the fine print and know what you're in for.

0:36:14.560 --> 0:36:17.320
<v Speaker 3>If that balance is not paid off after twenty two months,

0:36:17.600 --> 0:36:20.520
<v Speaker 3>you can do another balance transfer. You know, hit when

0:36:20.520 --> 0:36:22.200
<v Speaker 3>you hit twenty one months and you've still got like

0:36:22.280 --> 0:36:24.319
<v Speaker 3>a thousand dollars or however much you know, let's say

0:36:24.320 --> 0:36:25.680
<v Speaker 3>you have a little bit of money left on it.

0:36:26.000 --> 0:36:27.560
<v Speaker 3>You just want to be sure to do another balance

0:36:27.640 --> 0:36:30.919
<v Speaker 3>transfer or pay it off before that intro period ends.

0:36:30.960 --> 0:36:34.200
<v Speaker 3>Because if they have our least favorite thing ever in

0:36:34.239 --> 0:36:37.160
<v Speaker 3>a balance transfer, it's called deferred interest. If they have

0:36:37.280 --> 0:36:39.719
<v Speaker 3>a deferred interest clause, it could mean that they're going

0:36:39.800 --> 0:36:42.319
<v Speaker 3>to go back to the beginning and pretend like you've

0:36:42.320 --> 0:36:44.920
<v Speaker 3>been paying interest on that ten k for two years

0:36:45.440 --> 0:36:47.160
<v Speaker 3>and add that to your balance, and you don't want

0:36:47.200 --> 0:36:50.400
<v Speaker 3>that to happen, So set a calendar alert for around

0:36:50.440 --> 0:36:53.200
<v Speaker 3>the twenty month mark, just to be safe and see

0:36:53.200 --> 0:36:55.200
<v Speaker 3>where you're at, and then make a plan what you're

0:36:55.200 --> 0:36:57.560
<v Speaker 3>going to do next. Another balance transfer, pay it off

0:36:57.560 --> 0:37:00.400
<v Speaker 3>with hopefully your fat savings account that you can related.

0:37:00.960 --> 0:37:02.719
<v Speaker 3>But I'm you know, I think you're in. You're in

0:37:02.760 --> 0:37:04.560
<v Speaker 3>pretty good shape. You're on the way out. It's just

0:37:05.400 --> 0:37:07.600
<v Speaker 3>really focus on how do I avoid getting in this

0:37:07.680 --> 0:37:10.440
<v Speaker 3>much credit card debt again? And like Tiffany said, the

0:37:10.480 --> 0:37:12.480
<v Speaker 3>best way to do that is to shore up your

0:37:12.760 --> 0:37:14.120
<v Speaker 3>your rainy day fund.

0:37:14.400 --> 0:37:18.719
<v Speaker 2>Exactly exactly, you know, hopefully, you know, hopefully that's some

0:37:18.800 --> 0:37:23.200
<v Speaker 2>good advice for you, and you will, Yeah, you'll, you'll,

0:37:23.239 --> 0:37:25.879
<v Speaker 2>you'll save, create a great foundation for yourself, and then

0:37:25.920 --> 0:37:29.520
<v Speaker 2>prosper forward by getting rid of that deck. Congratulations to you, Jazzy,

0:37:29.640 --> 0:37:31.040
<v Speaker 2>yazzy yeazzy.

0:37:31.840 --> 0:37:34.680
<v Speaker 3>All right, y'all, that is it for questions.

0:37:36.160 --> 0:37:39.640
<v Speaker 2>And now it's time to boost to break for all

0:37:39.680 --> 0:37:43.000
<v Speaker 2>our family. If you going booze, is you gonna break?

0:37:43.080 --> 0:37:44.360
<v Speaker 2>What you're gonna do Mandy.

0:37:47.880 --> 0:37:50.719
<v Speaker 3>I thought that I was going to come up with

0:37:50.800 --> 0:37:54.080
<v Speaker 3>something better, but I thought I would do a boost.

0:37:54.360 --> 0:37:56.520
<v Speaker 3>I mean, maybe this is best. But I don't know

0:37:56.520 --> 0:37:59.279
<v Speaker 3>if you've watched yet, but the fresh principal Lair had

0:37:59.320 --> 0:38:03.000
<v Speaker 3>a reunion on AHBO Max definitely worthy year. However long

0:38:03.040 --> 0:38:05.480
<v Speaker 3>it is forty five minutes hour of your time. It

0:38:05.560 --> 0:38:08.239
<v Speaker 3>was so I didn't realize how much I needed to

0:38:08.280 --> 0:38:12.160
<v Speaker 3>heal from one Aunt Viv was kicked off the show,

0:38:12.840 --> 0:38:14.759
<v Speaker 3>but I really didn't need to heal, and so did she.

0:38:14.880 --> 0:38:16.879
<v Speaker 3>The actress who played Aunt Viv, whose name I am

0:38:16.880 --> 0:38:19.040
<v Speaker 3>blinking on now, dang was her name?

0:38:19.080 --> 0:38:21.560
<v Speaker 2>I'm so oh oh yes.

0:38:21.640 --> 0:38:24.279
<v Speaker 3>Right, But that's the problem. We don't know her name

0:38:24.440 --> 0:38:27.960
<v Speaker 3>because her career was ruined after you know, she had

0:38:27.960 --> 0:38:30.400
<v Speaker 3>to leave the show. But I just loved that moment

0:38:30.440 --> 0:38:32.959
<v Speaker 3>because Will surprises the cast. They're all, you know, sitting

0:38:33.040 --> 0:38:36.080
<v Speaker 3>in the on the set, all the original cast, and

0:38:36.560 --> 0:38:40.800
<v Speaker 3>it's with Aunt Viv two point oh is there, Hubert Janet? Yes,

0:38:40.840 --> 0:38:42.799
<v Speaker 3>thank you, thank you, thank you. So first of all,

0:38:42.840 --> 0:38:45.600
<v Speaker 3>she is still gorgeous, blasting that crack. I mean, we

0:38:45.640 --> 0:38:47.360
<v Speaker 3>knew it when she was in that pink leotard, in

0:38:47.400 --> 0:38:49.640
<v Speaker 3>that dance scene. We knew that she was like going

0:38:49.640 --> 0:38:51.800
<v Speaker 3>to age like a fine wine, but she looks gorgeous

0:38:51.840 --> 0:38:53.919
<v Speaker 3>and it was really nice to see her and will

0:38:54.000 --> 0:38:56.719
<v Speaker 3>Bury the hatchet and have they I don't know their

0:38:56.719 --> 0:38:59.399
<v Speaker 3>conversation that they had where it was like I coused

0:38:59.480 --> 0:39:02.279
<v Speaker 3>you pain, you caused me pain. You didn't know what

0:39:02.320 --> 0:39:04.200
<v Speaker 3>I was going through and you know he was young

0:39:04.280 --> 0:39:08.440
<v Speaker 3>at the time. I've this year has been the year

0:39:08.480 --> 0:39:11.799
<v Speaker 3>where I've had those types of conversations and it and

0:39:11.920 --> 0:39:13.839
<v Speaker 3>I just thought it was so powerful. And if there's

0:39:13.840 --> 0:39:15.600
<v Speaker 3>someone in your life who you haven't talked to in

0:39:15.640 --> 0:39:18.080
<v Speaker 3>a long time, you had a falling out, you you

0:39:18.680 --> 0:39:21.160
<v Speaker 3>exchange word, you hurt each other, and they're out of

0:39:21.160 --> 0:39:23.239
<v Speaker 3>your life, but you want them back. I think it

0:39:23.280 --> 0:39:25.919
<v Speaker 3>was a really beautiful moment. You know, even thirty years later,

0:39:26.080 --> 0:39:30.479
<v Speaker 3>they could come back and and heal. So I really

0:39:30.520 --> 0:39:33.840
<v Speaker 3>recommend watching that. And now I'm, you know, binging the

0:39:33.880 --> 0:39:36.120
<v Speaker 3>French Fresh principal Air, which is not a bad way

0:39:36.160 --> 0:39:37.959
<v Speaker 3>to spend my holiday week.

0:39:38.960 --> 0:39:39.040
<v Speaker 2>No.

0:39:39.400 --> 0:39:43.279
<v Speaker 1>I thought it looked amazing and I'm it did seem

0:39:43.320 --> 0:39:44.920
<v Speaker 1>like I haven't watched it, but it did seem like,

0:39:44.960 --> 0:39:46.799
<v Speaker 1>you know, she was going through a lot, and he

0:39:46.880 --> 0:39:49.560
<v Speaker 1>was really really young, and neither one of them behave

0:39:49.640 --> 0:39:52.680
<v Speaker 1>perfectly and so just to see them come together to

0:39:52.760 --> 0:39:56.279
<v Speaker 1>both acknowledge that but then also acknowledge that, you know,

0:39:56.520 --> 0:39:59.239
<v Speaker 1>here's where we could have done better, but here's where

0:39:59.280 --> 0:40:01.000
<v Speaker 1>we are now. I'm just like, honest say, I had

0:40:01.040 --> 0:40:04.359
<v Speaker 1>all the fields. I was like, yay, this is this

0:40:04.440 --> 0:40:06.799
<v Speaker 1>is lovely. So I'm definitely I was like, I didn't

0:40:06.800 --> 0:40:10.000
<v Speaker 1>need enough streaming service, but I guess for this, I'm

0:40:10.000 --> 0:40:11.759
<v Speaker 1>gonna I'm gonna get it. I'm not gonna lie. And

0:40:11.800 --> 0:40:14.360
<v Speaker 1>also too, Nicki Minajs has the docuseries coming out, and

0:40:14.400 --> 0:40:15.719
<v Speaker 1>I kind of want to know her business, so I'm

0:40:15.719 --> 0:40:16.120
<v Speaker 1>gonna get it.

0:40:16.120 --> 0:40:18.920
<v Speaker 2>For that too. Was it about her? Yes, I kind of.

0:40:19.000 --> 0:40:23.800
<v Speaker 1>I like watching documentaries on you know, like kind of

0:40:23.840 --> 0:40:26.840
<v Speaker 1>like current people to see how they navigate, Like Beyonce

0:40:26.920 --> 0:40:29.759
<v Speaker 1>has a number of them, and I'm always fascinated, like, wow.

0:40:29.680 --> 0:40:32.040
<v Speaker 3>She does enough. There's enough.

0:40:32.080 --> 0:40:32.919
<v Speaker 2>There's never enough.

0:40:33.440 --> 0:40:35.440
<v Speaker 3>I still do behind the music on VH one that

0:40:35.520 --> 0:40:37.160
<v Speaker 3>was my jam they used to.

0:40:37.360 --> 0:40:39.479
<v Speaker 2>I don't know, but it's really good to see.

0:40:39.480 --> 0:40:41.320
<v Speaker 1>I love stuff like that, like I don't I'm not

0:40:41.360 --> 0:40:42.959
<v Speaker 1>even to talking about like you said, the pretty stuff.

0:40:43.000 --> 0:40:45.600
<v Speaker 1>I like to know, like you know, the the Tea,

0:40:45.680 --> 0:40:47.640
<v Speaker 1>not for gossip sake, but for learning sake.

0:40:47.719 --> 0:40:49.560
<v Speaker 2>So it's just and I don't.

0:40:49.360 --> 0:40:53.040
<v Speaker 3>Think there's enough out there about black figures in history

0:40:53.080 --> 0:40:55.439
<v Speaker 3>and their flaws and what they went through. Because we're

0:40:55.440 --> 0:40:58.480
<v Speaker 3>watching the Crown this week or this weekend rather, and

0:40:58.520 --> 0:41:02.080
<v Speaker 3>it's you know, it's the Princess Diana season. Everyone's like

0:41:02.120 --> 0:41:05.320
<v Speaker 3>flipping out, and I'm like, we have told this woman's

0:41:05.320 --> 0:41:09.000
<v Speaker 3>story one hundred million times, Like I know her shoe size,

0:41:09.080 --> 0:41:11.680
<v Speaker 3>I know way too much about her, like and I mean,

0:41:12.440 --> 0:41:14.680
<v Speaker 3>it's a compelling story, but like why is it so?

0:41:14.800 --> 0:41:16.719
<v Speaker 3>Why is she captured our hearts in this way? And

0:41:16.760 --> 0:41:19.440
<v Speaker 3>you know, and of course she's beautiful, princess blonde and

0:41:19.440 --> 0:41:21.480
<v Speaker 3>blue whited all that, But I'm like, where are the

0:41:21.560 --> 0:41:24.479
<v Speaker 3>other We need more? We need more or more? Yeah,

0:41:24.480 --> 0:41:26.399
<v Speaker 3>there's got to be other stories out there to be told.

0:41:26.920 --> 0:41:28.960
<v Speaker 2>How do you like it?

0:41:28.560 --> 0:41:33.400
<v Speaker 1>Like, I'm gonna boosty breaky. I'll start with the break.

0:41:33.840 --> 0:41:36.480
<v Speaker 1>It's a little like so I've seen this happen a

0:41:36.520 --> 0:41:38.040
<v Speaker 1>couple of times, and I was kind of conflicted. So

0:41:38.040 --> 0:41:42.120
<v Speaker 1>there's somebody who's following me on ig but I noticed recently,

0:41:42.160 --> 0:41:46.040
<v Speaker 1>there's an uptick of her in my comments chatting with folks.

0:41:46.080 --> 0:41:48.360
<v Speaker 1>She she teaches financial education as well. It's literally like

0:41:48.360 --> 0:41:50.279
<v Speaker 1>her buyo financial education and power women.

0:41:50.719 --> 0:41:51.120
<v Speaker 2>It's cool.

0:41:51.600 --> 0:41:54.520
<v Speaker 1>But I noticed that she was chatting with folks like

0:41:54.920 --> 0:41:56.120
<v Speaker 1>my page was her page.

0:41:56.320 --> 0:41:59.400
<v Speaker 3>Oh, she trying to go fishing. She's trying to fish

0:41:59.440 --> 0:41:59.879
<v Speaker 3>on your peer.

0:42:00.360 --> 0:42:03.920
<v Speaker 2>And at first I was like that people are shady.

0:42:04.400 --> 0:42:07.239
<v Speaker 1>And at first I was like no, you know, because

0:42:07.239 --> 0:42:09.680
<v Speaker 1>it was very like benign, like oh my gosh, congratulations,

0:42:09.680 --> 0:42:12.399
<v Speaker 1>that's awesome, you know, like light things, or like oh,

0:42:12.480 --> 0:42:14.279
<v Speaker 1>like maybe I wouldn't get a chance to answer a question.

0:42:14.320 --> 0:42:15.600
<v Speaker 1>And she's like, oh no, no, you can go to

0:42:15.640 --> 0:42:17.560
<v Speaker 1>experience dot com and check that out. So I'm like, okay,

0:42:17.560 --> 0:42:19.080
<v Speaker 1>no problem, the problem And.

0:42:19.000 --> 0:42:23.080
<v Speaker 3>Then I know, sorry, So I'm Tiffany's number two.

0:42:24.440 --> 0:42:26.040
<v Speaker 2>So I let it slide and I'm gonna lie.

0:42:26.040 --> 0:42:27.839
<v Speaker 1>I looked at it and I was like, oh, that's

0:42:27.840 --> 0:42:30.400
<v Speaker 1>a little weird, but I mean this is good information.

0:42:30.760 --> 0:42:32.760
<v Speaker 1>I don't always get a chance to answer all my questions.

0:42:32.800 --> 0:42:36.400
<v Speaker 1>And it wasn't crazy. It was enough that I was like, oh,

0:42:36.520 --> 0:42:39.520
<v Speaker 1>these are four or five different answers that you did today.

0:42:39.840 --> 0:42:41.520
<v Speaker 1>And then recently, I posted something and she said, oh

0:42:41.520 --> 0:42:44.280
<v Speaker 1>my gosh to me, congratulations, you're my inspiration blah blah blah.

0:42:44.320 --> 0:42:46.279
<v Speaker 1>So then I felt like, oh, well, girl, she's just

0:42:46.440 --> 0:42:50.200
<v Speaker 1>being nice. And then today Instagram was like, girl, let

0:42:50.239 --> 0:42:53.680
<v Speaker 1>me let me hit you to something. Someone wrote, Hey, Tiffany,

0:42:54.800 --> 0:42:57.160
<v Speaker 1>I just joined and I know I know she meant

0:42:57.200 --> 0:43:00.279
<v Speaker 1>she joined the Literature Academy. I just joined, but I'm

0:43:00.280 --> 0:43:02.640
<v Speaker 1>not really sure where to start. Super excited, so she

0:43:02.760 --> 0:43:06.680
<v Speaker 1>goes in and it's giving her all this information about, oh,

0:43:07.040 --> 0:43:08.920
<v Speaker 1>first start with your budgets and that, and Liddy was like,

0:43:08.920 --> 0:43:11.239
<v Speaker 1>what are you talking about. I'm talking to Tiffany and

0:43:11.239 --> 0:43:14.520
<v Speaker 1>I'm talking about I joined her online school. And Lady's like, oh, well,

0:43:14.920 --> 0:43:17.279
<v Speaker 1>in case you do want something else, you can always

0:43:17.360 --> 0:43:19.719
<v Speaker 1>DM me girl with a quickness.

0:43:21.280 --> 0:43:21.600
<v Speaker 2>Yes.

0:43:21.840 --> 0:43:24.160
<v Speaker 1>And then so before now I felt hesitant. I said,

0:43:24.160 --> 0:43:25.279
<v Speaker 1>I don't want to be a hater people. You know,

0:43:25.280 --> 0:43:26.040
<v Speaker 1>people help people.

0:43:26.480 --> 0:43:30.759
<v Speaker 2>You can DM me, ma'am. And so I just blocked her.

0:43:30.840 --> 0:43:31.680
<v Speaker 2>I felt I'm not glad.

0:43:31.680 --> 0:43:33.480
<v Speaker 1>I still felt kind of bad about it, but that

0:43:33.600 --> 0:43:36.600
<v Speaker 1>was it, like, don't do that, y'all, Finn book. Yes,

0:43:36.680 --> 0:43:39.520
<v Speaker 1>I'm all for you know, being in comments and being helpful,

0:43:39.680 --> 0:43:42.000
<v Speaker 1>and sometimes I do that, Like, for example, somebody might

0:43:42.040 --> 0:43:44.960
<v Speaker 1>say something like, let's just say I'm in you know,

0:43:45.000 --> 0:43:46.839
<v Speaker 1>not that I go to the shade Room Instagram. I do,

0:43:47.360 --> 0:43:49.240
<v Speaker 1>and let's just say it's a financial post.

0:43:49.239 --> 0:43:49.839
<v Speaker 2>It rarely is.

0:43:49.920 --> 0:43:52.120
<v Speaker 1>And then someone says something, I might say, oh, you know,

0:43:53.320 --> 0:43:55.359
<v Speaker 1>you know you can. I might give a little bit

0:43:55.360 --> 0:43:56.960
<v Speaker 1>of an advice, but I'm not going to be like,

0:43:57.000 --> 0:43:59.399
<v Speaker 1>go to my website. But every once in a while

0:43:59.400 --> 0:44:01.040
<v Speaker 1>that'll come up where I'll see something and it's so

0:44:01.160 --> 0:44:02.600
<v Speaker 1>quick like, oh no, girl, that's not true.

0:44:02.640 --> 0:44:04.200
<v Speaker 2>Your credit score is not gonna affected by that.

0:44:04.320 --> 0:44:06.640
<v Speaker 1>I might say something like that, but to literally lay

0:44:06.719 --> 0:44:09.680
<v Speaker 1>up in someone's comments and then to divert them from

0:44:09.719 --> 0:44:13.439
<v Speaker 1>what they came to your thing, it said, no, no,

0:44:13.600 --> 0:44:15.839
<v Speaker 1>I don't know if she listens to the podcast. And

0:44:16.200 --> 0:44:17.640
<v Speaker 1>I'm such a punk because I still feel kind of

0:44:17.640 --> 0:44:18.680
<v Speaker 1>bad about blocking her because I was.

0:44:18.640 --> 0:44:20.040
<v Speaker 2>Like, maybe I should just be out and say, hey,

0:44:20.120 --> 0:44:21.719
<v Speaker 2>that's not appropriate. I'm like, girl, are we five?

0:44:21.760 --> 0:44:24.759
<v Speaker 3>She knows yeah, no, no, no, I think he did the

0:44:24.840 --> 0:44:27.919
<v Speaker 3>right thing. I mean, also, it just it's I wish

0:44:27.960 --> 0:44:30.200
<v Speaker 3>I could I'm trying to think of a really good analogy.

0:44:30.239 --> 0:44:33.520
<v Speaker 3>But she is just trying to she's like a bottom feeder.

0:44:34.200 --> 0:44:34.839
<v Speaker 2>I was like, she.

0:44:34.880 --> 0:44:37.960
<v Speaker 1>Basically like I have a McDonald set up and she's

0:44:38.120 --> 0:44:40.560
<v Speaker 1>she set up a barbecue grill outside my McDonald's.

0:44:40.600 --> 0:44:45.560
<v Speaker 3>Like I, yes, yes, that is exactly I was thinking of,

0:44:45.640 --> 0:44:49.320
<v Speaker 3>like ticket scalpers outside of like a stenium or something.

0:44:49.880 --> 0:44:52.200
<v Speaker 3>Were like, how at any protest there's always the guy

0:44:52.200 --> 0:44:54.520
<v Speaker 3>who selling the T shirts and the plates, like the

0:44:54.719 --> 0:44:56.680
<v Speaker 3>you know, think about all the people hustling out there

0:44:57.400 --> 0:44:59.640
<v Speaker 3>at the Joe Biden celebrations, Like all of a sudden

0:44:59.640 --> 0:45:02.480
<v Speaker 3>there were shirts and plates to be sold, of course,

0:45:03.960 --> 0:45:05.799
<v Speaker 3>but even that is but listen, if you're if you're

0:45:05.840 --> 0:45:09.239
<v Speaker 3>going on the shade room, which listen, Instagram knows what

0:45:09.280 --> 0:45:11.080
<v Speaker 3>I want to see and it's always a shade room first.

0:45:11.600 --> 0:45:14.200
<v Speaker 3>But if you're going there, that's not a financial podcast,

0:45:14.280 --> 0:45:16.759
<v Speaker 3>that's not a financial page. So it's not like they're

0:45:16.800 --> 0:45:20.680
<v Speaker 3>offering you know, personal finance tips. So that's that's that's different.

0:45:21.600 --> 0:45:23.080
<v Speaker 1>But I said, I don't really like, I'm not on

0:45:23.120 --> 0:45:25.719
<v Speaker 1>the shame looking to answer financial questions just everyone, you know,

0:45:25.760 --> 0:45:28.759
<v Speaker 1>something might randomly pop up, but yeah, so just don't

0:45:28.760 --> 0:45:31.000
<v Speaker 1>do that, y'all. And if you're listening. Lady who are blocked.

0:45:31.600 --> 0:45:33.799
<v Speaker 1>I'm not going to unblock you, but I will say,

0:45:33.880 --> 0:45:35.919
<v Speaker 1>don't do that. It's not okay, don't do that. Don't

0:45:36.560 --> 0:45:39.440
<v Speaker 1>people not a good one. But my my, my boost

0:45:39.560 --> 0:45:41.839
<v Speaker 1>is super excited. I didn't even mention this because I'll

0:45:41.840 --> 0:45:47.680
<v Speaker 1>be forgetting. But I applied for something called we Are

0:45:47.719 --> 0:45:50.239
<v Speaker 1>the Culture. I don't even remember. I vaguely remember. It

0:45:50.280 --> 0:45:51.960
<v Speaker 1>might have been months and months and months ago. It

0:45:52.000 --> 0:45:54.520
<v Speaker 1>was through Facebook. Facebook said that they want to amplify

0:45:54.560 --> 0:45:58.000
<v Speaker 1>black and brown voices and as relates to creators, and

0:45:58.040 --> 0:46:01.400
<v Speaker 1>so I I vaguely remember applying for it and I

0:46:01.440 --> 0:46:04.480
<v Speaker 1>got it. So it's a year long partnership with Facebook.

0:46:04.560 --> 0:46:08.400
<v Speaker 1>And I just create content like I normally would, but

0:46:08.719 --> 0:46:12.759
<v Speaker 1>I have to. I do it basically for Facebook, and they,

0:46:12.880 --> 0:46:14.560
<v Speaker 1>you know, they they support it.

0:46:14.800 --> 0:46:16.840
<v Speaker 2>So you'll see it on IG you'll see it on Facebook.

0:46:16.840 --> 0:46:17.960
<v Speaker 1>So I was trying to figure out, like, what was

0:46:17.960 --> 0:46:20.200
<v Speaker 1>I gonna do versus because you could do literally.

0:46:19.880 --> 0:46:20.520
<v Speaker 2>Whatever you want.

0:46:20.680 --> 0:46:22.360
<v Speaker 1>So I decided to come up with a new series

0:46:22.440 --> 0:46:24.279
<v Speaker 1>specifically for this, so you guys would know, Oh, this

0:46:24.360 --> 0:46:26.840
<v Speaker 1>is the this is the Facebook series. It's called the

0:46:26.880 --> 0:46:29.719
<v Speaker 1>budget needs to breakdown, you know, They're usually about five

0:46:29.800 --> 0:46:33.759
<v Speaker 1>or six minutes, and I break down a term or

0:46:33.800 --> 0:46:36.000
<v Speaker 1>something that's happening in the news, or a question that

0:46:36.000 --> 0:46:38.560
<v Speaker 1>you guys some might have asked me. But yeah, I

0:46:38.640 --> 0:46:40.560
<v Speaker 1>just I break it down and I try to keep

0:46:40.600 --> 0:46:44.840
<v Speaker 1>it short and fun and brief. And just like Brianna Mission,

0:46:45.200 --> 0:46:46.640
<v Speaker 1>it does not have a theme song either.

0:46:46.800 --> 0:46:48.760
<v Speaker 2>I sing in the beginning.

0:46:48.719 --> 0:46:51.480
<v Speaker 1>Literally, I say, the budget needs to breakdown. Please, somebody

0:46:51.520 --> 0:46:53.160
<v Speaker 1>send me a song. I'm not gonna lie. A few

0:46:53.160 --> 0:46:54.320
<v Speaker 1>people send me some songs.

0:46:54.600 --> 0:46:58.040
<v Speaker 3>You know, songs is okay, just a cold open.

0:47:00.360 --> 0:47:02.280
<v Speaker 2>Some of the songs, I'm not gonna lie. I'll just tried.

0:47:02.520 --> 0:47:05.920
<v Speaker 3>Just why don't you started with short time synergy? That's

0:47:06.000 --> 0:47:06.719
<v Speaker 3>how she said it.

0:47:06.840 --> 0:47:08.880
<v Speaker 2>Oh my god. Some of the songs y'all got me.

0:47:08.920 --> 0:47:11.200
<v Speaker 1>First of all, one song, you know, not to be

0:47:11.239 --> 0:47:14.360
<v Speaker 1>shady because if you're listening, but we cannot take Michael

0:47:14.400 --> 0:47:16.000
<v Speaker 1>Jackson's I Want to Rock with You and make it

0:47:16.000 --> 0:47:16.799
<v Speaker 1>the Budget's song.

0:47:16.840 --> 0:47:20.759
<v Speaker 2>G you trying to get me? So yeah, So I'm

0:47:20.760 --> 0:47:21.440
<v Speaker 2>excited about it.

0:47:21.440 --> 0:47:23.319
<v Speaker 3>So that's really cool and shout out. I love that

0:47:23.320 --> 0:47:25.520
<v Speaker 3>Facebooks doing that. I did not know that that is awesome.

0:47:25.719 --> 0:47:28.080
<v Speaker 3>So well, and so it's not like a sponsored thing.

0:47:28.840 --> 0:47:31.239
<v Speaker 3>It'll be so okay mm hmm.

0:47:31.640 --> 0:47:33.560
<v Speaker 2>So but you'll see it, like, you know, like it

0:47:33.600 --> 0:47:35.239
<v Speaker 2>won't look any different than my other content. You'll just

0:47:35.239 --> 0:47:36.959
<v Speaker 2>see more video to me. At least once a week,

0:47:37.080 --> 0:47:37.520
<v Speaker 2>you'll see a.

0:47:37.520 --> 0:47:39.799
<v Speaker 1>Video where I'm breaking stuff down, and you are free

0:47:39.840 --> 0:47:41.120
<v Speaker 1>in the comments to let me know what you want

0:47:41.160 --> 0:47:42.520
<v Speaker 1>to break down, because I keep a list of them

0:47:42.840 --> 0:47:45.680
<v Speaker 1>and then I take them and I you know, so

0:47:45.719 --> 0:47:47.520
<v Speaker 1>it's not gonna look any different than my normal, Like

0:47:47.520 --> 0:47:47.839
<v Speaker 1>I'm not.

0:47:48.520 --> 0:47:49.560
<v Speaker 2>It's gonna be on IG.

0:47:49.480 --> 0:47:51.919
<v Speaker 1>And Facebook, but it'll just be labeled budgeties to break

0:47:51.920 --> 0:47:54.080
<v Speaker 1>down and I'll like, I think this past week I

0:47:54.120 --> 0:47:56.680
<v Speaker 1>broke down. I still have the breakdown taxes as it

0:47:56.680 --> 0:47:59.000
<v Speaker 1>relates to personal taxes and business taxes.

0:47:59.000 --> 0:48:00.440
<v Speaker 2>I broke down. Should you co sign?

0:48:01.000 --> 0:48:03.240
<v Speaker 1>I broke down something that I call illustrate your oprah,

0:48:03.280 --> 0:48:05.400
<v Speaker 1>which just means like illustrate your value in such a

0:48:05.400 --> 0:48:08.480
<v Speaker 1>strong way you're undeniable. And so it's only been one

0:48:08.520 --> 0:48:10.759
<v Speaker 1>month and so yeah, it's a year long thing, and

0:48:10.800 --> 0:48:12.160
<v Speaker 1>I was just like really geek to get it.

0:48:12.120 --> 0:48:14.080
<v Speaker 2>And I wanted to share the good news with y'all.

0:48:14.600 --> 0:48:16.440
<v Speaker 3>Yeah, can't wait to check it out.

0:48:17.200 --> 0:48:22.239
<v Speaker 2>The butet needs to breakdown. That's lovely. You know you're

0:48:22.280 --> 0:48:25.879
<v Speaker 2>not like me. A little noation, little ration.

0:48:26.920 --> 0:48:32.000
<v Speaker 3>Oh lord, Well the early Turkey Day and hopefully you

0:48:32.040 --> 0:48:33.600
<v Speaker 3>get in the holiday spirit. Are you going to start

0:48:33.640 --> 0:48:34.680
<v Speaker 3>decorating this week?

0:48:35.040 --> 0:48:35.279
<v Speaker 2>Yes?

0:48:35.360 --> 0:48:37.640
<v Speaker 1>I told the kids. They're super excited. We're going to

0:48:37.680 --> 0:48:38.560
<v Speaker 1>decorate on Thanksgiving.

0:48:38.600 --> 0:48:39.960
<v Speaker 2>So I'm excited. Thankfully.

0:48:40.040 --> 0:48:43.359
<v Speaker 1>I went really it was my first Christmas Thanksgiving last year,

0:48:43.480 --> 0:48:45.640
<v Speaker 1>so I went really crazy on the decorations, like as

0:48:45.640 --> 0:48:48.000
<v Speaker 1>far as buying them. So I'm excited because I don't

0:48:48.000 --> 0:48:49.640
<v Speaker 1>have to go out to the stores because I already

0:48:49.680 --> 0:48:54.840
<v Speaker 1>have a nauseous amount of nauseating amount of Christmas decoration

0:48:55.040 --> 0:48:55.720
<v Speaker 1>never enough.

0:48:55.960 --> 0:48:59.360
<v Speaker 3>Also, you should watch the Christmas Home Makeover series on Netflix.

0:48:59.440 --> 0:49:02.279
<v Speaker 3>It's a it's a feel good, fun type event. I

0:49:02.280 --> 0:49:05.440
<v Speaker 3>can't wait to decorate, and I'm gonna put everything very high.

0:49:05.480 --> 0:49:07.520
<v Speaker 3>But I am going to try to decorate so you know,

0:49:07.680 --> 0:49:10.719
<v Speaker 3>I don't have any baby accidents. But I'm so excited.

0:49:10.840 --> 0:49:15.040
<v Speaker 3>Ya yay, We'll have a good, safe Thanksgiving to all

0:49:15.080 --> 0:49:19.600
<v Speaker 3>of you guys out there celebrating, you know, emphasize the

0:49:19.600 --> 0:49:23.560
<v Speaker 3>word safe and distant. And we will see y'all after

0:49:23.680 --> 0:49:24.480
<v Speaker 3>Turkey Day.

0:49:24.680 --> 0:49:42.000
<v Speaker 2>Yes, bye bye bye