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Speaker 1: All right, hey, hey, hey, we're back.

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Speaker 2: We're black, We're brown.

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Speaker 1: I'm Tiffany, I'm Mady and this is Brown Ambition.

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Speaker 3: Nailed it. Happy Brown Ambition Wednesday, guys.

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Speaker 2: Yeah, Happy bron Ambition Wednesday.

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Speaker 1: So let's talk about the elephant in the room, or

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Speaker 1: shall we say the two step in the room.

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Speaker 3: Are you talking about This Is America?

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Speaker 2: Yes, only Donald we acknowledge is Glover.

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Speaker 3: First of all, Donald Glover. I don't know if anyone

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Speaker 3: listening has ever watched the show Community, Like I never

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Speaker 3: really had watched it. My husband liked it. But if

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Speaker 3: you look at Donald Glover, his character on Community, it's

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Speaker 3: like he put that character in a trash can and

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Speaker 3: burned it, like blew it up, and he's like, I'm

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Speaker 3: never going to be this person again. I am doing

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Speaker 3: things my way. And then he came out with like

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Speaker 3: Atlanta and now all this music, and basically he's owning

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Speaker 3: the internet right now because his video for This Is

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Speaker 3: America just dropped like the same weekend that he hosted

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Speaker 3: SNL and what might have been one of the blackest

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Speaker 3: episodes of SNL in a long time.

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Speaker 1: I haven't seen that, but I've seen the video and

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Speaker 1: I'm not gonna lie. At first, I saw the Instagram

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Speaker 1: clips of it, which if that's all you've seen, you

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Speaker 1: have not seen it, and I was like, what's going on?

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Speaker 1: Because I'm like, why is he dancing so weird? Like

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Speaker 1: I didn't get it, you know, I was like, Oh,

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Speaker 1: he's dancing. And then when I saw the whole video,

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Speaker 1: I said, Okay, there's a lot to unpack here. And

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Speaker 1: then I started reading you know articles love he has

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Speaker 1: a great one, Okay Africa and okay player, I think,

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Speaker 1: or okay Africa has.

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Speaker 2: A great one.

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Speaker 3: Everyone's got a thought piece.

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Speaker 1: Yes, and it's like but what I liked about it

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Speaker 1: is that there are components that I missed, Like is

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Speaker 1: that Trayvon Martin's father that was shot in the beginning,

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Speaker 1: like the chaos going on in the background.

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Speaker 2: Wait was it.

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Speaker 1: There's mixed opinions about whether it was, but like, for example,

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Speaker 1: how they handled the guns versus how they handle the

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Speaker 1: bodies that passed away. They handled the guns so carefully, yes,

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Speaker 1: and the people that were killed were just kind of

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Speaker 1: like looked over or dragged away.

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Speaker 2: So there's just a lot to unpack.

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Speaker 3: I wanted to take a minute and read some of

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Speaker 3: the comments we got on Instagram because I asked our

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Speaker 3: followers if they wanted if they had any thoughts to

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Speaker 3: share on the video. We got some really good, thoughtful comments.

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Speaker 3: Let me read this one. This one's from Instagram user

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Speaker 3: deb Hack nineteen ninety one. She says, I think childish

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Speaker 3: Gambino is a representation of America and all of the

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Speaker 3: things of distraction from what's going on behind him. Instagram

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Speaker 3: user man versus Cash says deb Hack nineteen ninety one

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Speaker 3: has it pretty right. As long as we keep focusing

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Speaker 3: on the shucking and driving that occurred throughout the entire video,

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Speaker 3: so we won't see what has been happening for the

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Speaker 3: last thirty plus years. All the slave references, references to

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Speaker 3: Michael Jackson eighties nineties cars to Rodney King. Also the

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Speaker 3: fact that both guns were wrapped in a red veil

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Speaker 3: and protected while the victims were unceremoniously dragged off. It

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Speaker 3: got me.

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Speaker 2: Wow, Yes, those are I mean, those are great. I

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Speaker 2: mean I'm looking at them now.

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Speaker 1: Honestly, I love when you guys kind of let your

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Speaker 1: thoughts be known via social So if you didn't know,

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Speaker 1: we have an Instagram page, it is Brown Ambition podcast,

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Speaker 1: and if you ever want to leave any commentary, either

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Speaker 1: on our Instagram page or just in general, use the

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Speaker 1: hashtag brown ambition so we can find you and we'll

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Speaker 1: read them in the beginning of the show.

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Speaker 3: Every week'll be looking. Don't make a fool of yourself.

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Speaker 3: Don't use the hashtag brown ambition in vain.

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Speaker 1: Yeah. So on Twitter and Instagram, those are two mains

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Speaker 1: right now. So Instagram you can comment under one of

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Speaker 1: our posts, and on Twitter, definitely tag us and use

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Speaker 1: the hashtag brown ambition so we can find you.

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Speaker 3: Some people send us news stories that they think would

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Speaker 3: be good for a bron booster or brown break. I

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Speaker 3: love it you can. Yeah, so if you use the

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Speaker 3: hashtag brown ambition every week, I'll be looking for that

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Speaker 3: on Twitter and on Instagram. So if you want to

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Speaker 3: share a story, or if you want to say, hey,

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Speaker 3: I was really brown ambition this week because I got

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Speaker 3: a's on my exams, or I just got you know,

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Speaker 3: a huge scholarship to go to college, or I just

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Speaker 3: paid off a credit card, like those are the stories

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Speaker 3: that we love. Please please please share, and of course

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Speaker 3: comment and and just communicate because this feels like I mean,

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Speaker 3: I can't tell you how many emails we get from

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Speaker 3: people who were like, I feel like I have a friend.

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Speaker 3: I feel like I have sisters Mandy and Tiffany, but

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Speaker 3: we want to hear from you.

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Speaker 2: You know.

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Speaker 3: It's it's meant to be a conversation that includes you, guys,

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Speaker 3: So definitely look out for your comments on social.

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Speaker 2: Yeah, exactly.

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Speaker 3: Just don't snapchat me because I don't do that anymore.

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Speaker 2: Yeah, nobody doesn't, no, you know.

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Speaker 1: Addly enough, like Snapchat is still like the number two

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Speaker 1: most popular downloaded app on Apple, so I mean someone's

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Speaker 1: downloading these five year olds. So I was gonna, babe

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Speaker 1: say this from Brown Booster break, but I think I'll

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Speaker 1: just share. I got somebody fired, and I feel mixed,

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Speaker 1: mostly happy but sad because you never want anyone to.

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Speaker 2: Be fired, but ye and I never.

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Speaker 1: Yeah, I mean, well here's the once I tell you,

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Speaker 1: you're gonna be like, oh, she needs to go. I

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Speaker 1: was talking to my CFO on Mondays. We have our

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Speaker 1: team meetings and my sister's kids there three and one,

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Speaker 1: and you can watch them at daycare at this website

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Speaker 1: called watch Me Grow. So it's just basically cameras in

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Speaker 1: every room. And so I was watching and it was

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Speaker 1: naptime and I'm watching in my nephew's room.

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Speaker 2: He's asleep.

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Speaker 1: But there's like a young teacher I want to say,

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Speaker 1: she's in her twenties and the kids like I remember

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Speaker 1: these days because I used to be that teacher in

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Speaker 1: the classroom, like cleaning up while the kids are on

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Speaker 1: their cot, supposed to be sleeping.

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Speaker 2: But they're not. So the kids are a little restless.

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Speaker 1: Some of them are like taking off their shoes, and

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Speaker 1: this one is sitting up and this one's moving around.

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Speaker 2: So she's a little rough with them. I noticed.

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Speaker 1: I'm like, ugh, so I'm talking about see a phone.

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Speaker 1: I'm like, hold on, girl, something's happening in the classroom.

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Speaker 1: She grabs one kid and kind of like like you know,

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Speaker 1: like roughly puts him back on the cot, and I'm like, oh,

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Speaker 1: that seems a little excessive, and does it to another.

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Speaker 1: And it was clear that she was kind of like

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Speaker 1: whisper yelling at them, you know how you could see

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Speaker 1: people's mannerisms. And he threw this took this blake off

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Speaker 1: this little girl, pulled it roughly because she wasn't laying down,

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Speaker 1: threw it on top of her and gave her a

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Speaker 1: little pop on the behind, and.

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Speaker 2: I said, oh my goodness, did she just hit this

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Speaker 2: little girl?

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Speaker 1: It wasn't hard, but still I was like, uh, and

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Speaker 1: what took The cake boy was like not laying down,

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Speaker 1: and she kind of pushed his head down and then

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Speaker 1: pulled his.

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Speaker 2: Ear, you know how like you seem like the old little.

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Speaker 1: Italian lady, like pulling your ear back and forth, like

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Speaker 1: what are you doing? But I'm like, this is not

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Speaker 1: your child, and he's too and you're pulling his ear.

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Speaker 1: I was like I I quickly got off the phone.

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Speaker 1: I called my sister and I told her and she

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Speaker 1: was like what And she said, you know, she's a

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Speaker 1: little aggressive with the kids. And I told them, and

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Speaker 1: they make nothing but excuses for her. But I've never

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Speaker 1: seen her like do anything. It's always been just like, huh,

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Speaker 1: you know, you pulled them a little too quickly, or

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Speaker 1: just you know, like she's never seen anything like this before.

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Speaker 1: So I called the center myself, so as I'm on

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Speaker 1: the phone with her, we both watched and she did

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Speaker 1: something that was slightly in appropriate. And then she rewinds

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Speaker 1: the tape as I'm on the phone with her and

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Speaker 1: she's watching, like, oh my good.

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Speaker 2: She's like, I'm gonna call you right back. So I

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Speaker 2: guess she must have jumped off the.

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Speaker 1: Phone because then went over there because they're only down

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Speaker 1: the street from each other. The two centers went down there,

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Speaker 1: and I guess they pulled her to the side and

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Speaker 1: let her go. So, you know, you never want to

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Speaker 1: get anybody fired, but you can't beat on people's kids.

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Speaker 3: You know, they knew she knew she was on camera, right.

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Speaker 2: Yeah, I don't even know what she was thinking.

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Speaker 3: Wow, that no one's probably watching.

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Speaker 1: Yeah, And I think truth of the matter is because

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Speaker 1: I told my sister when she went to go pick

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Speaker 1: up the kids what happened. She's like, they just did

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Speaker 1: like a general announcement like such a such, just not

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Speaker 1: with this anymore. Her way of doing things were not

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Speaker 1: aligned with the center. So I don't think. I don't honestly,

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Speaker 1: I really think the majority of parents were not are

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Speaker 1: just they just don't watch. But I watch, you know,

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Speaker 1: like as I'm kind of chilling by the computer, if

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Speaker 1: I'm like doing work, I'll just peek in because honestly,

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Speaker 1: I'm not watching to peek in on the teachers. Quite honestly,

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Speaker 1: I don't get to see my niece and my nephew

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Speaker 1: as much as that possible.

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Speaker 2: So I just watched for stalkers reasons like oh.

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Speaker 1: Just to kind of see my niece and my nephews

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Speaker 1: and say I don't see them as often. But I

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Speaker 1: was horrified, Like I said, she didn't, she didn't, you know,

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Speaker 1: do anything to him. But I thought to myself, you know,

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Speaker 1: if you'll do this to one kid, you'll do it

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Speaker 1: to another, you know.

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Speaker 3: M And with as much as childcare costs, like as

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Speaker 3: much as like daycare costs, I would be watching and

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Speaker 3: expect like, you're not going to hit my kid when

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Speaker 3: I'm picking like thousands of dollars.

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Speaker 1: Yes, when I tell you, like at one point, her

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Speaker 1: daycare bill was like something like twenty one hundred dollars

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Speaker 1: a months.

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Speaker 2: For both of them. Can you want to see one?

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Speaker 1: I was just like, uh, and you're gonna be inappropriate

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Speaker 1: with my kid, I don't think.

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Speaker 2: So.

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Speaker 3: Let us boost and break. Yes, if you don't mind,

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Speaker 3: I have a boost this week. Okay did you say

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Speaker 3: you do mind?

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Speaker 2: No?

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Speaker 3: No, I don't mind, okay, because I wasn't gonna care

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Speaker 3: if you mind it. So I got a boost real quick.

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Speaker 3: I am just I know I am late to the party.

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Speaker 3: This is some granola crunchy stuff. But you're vegans that

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Speaker 3: you can't talk. So I am late to the compost party.

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Speaker 3: But I love. I freaking love composting, like when you yes,

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Speaker 3: I am like a convert. I've been wanting to. I

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Speaker 3: know in New York City they had they were starting

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Speaker 3: to do like some composting programs. I think in Brooklyn,

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Speaker 3: of course, but I never made my way to like

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Speaker 3: all the composting programs. You're where I lived in Queens

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Speaker 3: or then in Jersey where I was last year. You

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Speaker 3: had to like collect your stuff and then bring it

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Speaker 3: to the food market, which was you know you had

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Speaker 3: if you did. We didn't have a car, so we

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Speaker 3: had to like carry a bag of food trash basically,

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Speaker 3: you know, several blocks if not take a subway to

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Speaker 3: drop our food off. It was never convenient. But now

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Speaker 3: that we moved to the Burbs, so my town just

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Speaker 3: this past winter launched their food compost program and for

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Speaker 3: twenty dollars. You go to the town, and I think

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Speaker 3: a lot of towns do this now. You go to

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Speaker 3: the town the nature center or whatever, and they give

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Speaker 3: you a little food pail that you put on your countertop,

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Speaker 3: and you collect your food scraps during the week. And

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Speaker 3: then I'm listening to myself saying, I know I sound

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Speaker 3: so crunchy, but I don't care.

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Speaker 2: It's amazing.

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Speaker 3: I'm like, oh, and then you collect your food scraps.

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Speaker 3: So you put your food scraps in the little food

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Speaker 3: pail on your countertop, but don't worry about it's smelling.

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Speaker 3: In fact, the reason I love it so much is

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Speaker 3: because we used to always have a smelly trash can.

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Speaker 3: No matter what you did, you put it under the sink,

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Speaker 3: you put a lid on it, whatever if you like.

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Speaker 3: It would take us a while to fill the trash can,

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Speaker 3: and you put you make a salad, you put your

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Speaker 3: scrap in there, and then two days later your house

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Speaker 3: is funky. So this way the food pail, it seals.

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Speaker 3: It's like air tight, so the fumes stay in the

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Speaker 3: pail as long as it's closed. So you just put

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Speaker 3: your scraps in there during the week, and then slowly

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Speaker 3: you fill up one little pail and then you close

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Speaker 3: the bag and you put it into a slightly larger

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Speaker 3: pail that they also give you for that twenty dollars.

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Speaker 3: And then when you're done, you just drop it off

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Speaker 3: at the compost facility like whenever. I don't know, we

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Speaker 3: did it like once a week and the the like

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Speaker 3: I we create such little trash. Now it's amazing. Our

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Speaker 3: recycling bin is packed, the compost bin is full. But

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Speaker 3: the actual we have one sad little trash bag in

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Speaker 3: our trash can this week. And I just felt really

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Speaker 3: good about myself.

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Speaker 2: That's good.

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Speaker 1: Look at you lowering your carbon finger No, what is

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Speaker 1: it carbon footprint?

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Speaker 3: Fingerprint?

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Speaker 1: Yeah, I was trying to be up on the hip

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Speaker 1: food the hip like lingo of like you know, of

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Speaker 1: the vegan. So when we were kids, we used to

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Speaker 1: compost the little because my dad always kept the garden.

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Speaker 1: So we would save our vegetable and fruit scraps and

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Speaker 1: like throw it in this like pile in the backyard

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Speaker 1: and he would use it to like you know, fertilize

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Speaker 1: the fruits and vegetables.

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Speaker 3: Oh I can't do that, man. I saw a possum

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Speaker 3: troll in the streets last week.

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Speaker 2: Yeah, oh yeah, oh yeah, Now you have to.

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Speaker 3: Keep that food pill in the house. Listen. I found

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Speaker 3: a bunny rabbit in my thought. I saw a beaver

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Speaker 3: last week. The amount of wildlife is a little overwhelming.

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Speaker 1: Beaver, a bundy, a baby beaver, a deer, then you

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Speaker 1: just get deer in fox too.

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Speaker 3: Who I could use a fox. There's also coyotes roaming

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Speaker 3: my county. Now. One coyote attacked a little girl had

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Speaker 3: a playground. Y'all think I have never been more afraid

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Speaker 3: than I am as a homeowner. Can never I never

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Speaker 3: really feared anything living in an apartment in New York City,

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Speaker 3: Jersey Queens wherever. My parents were always worried about. You,

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Speaker 3: Like this is I feel safe all the time. I

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Speaker 3: could be out late, take the subway home. There's still

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Speaker 3: be people out and about. It is creepy. As a

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Speaker 3: mother in the suburbs, it is quiet, everyone is inside. Yeah,

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Speaker 3: you feel like no one could hear you scream. And

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Speaker 3: if someone if, like a coyote attacked me, what am

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Speaker 3: I going to do about it? Like there's no it's

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Speaker 3: so scary, Like I'm turning into a big baby. This

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Speaker 3: brown boost, this brown boos is turning into a break

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Speaker 3: for being alone in a house by yourself, which I,

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Speaker 3: an adult woman in her thirties, just can't do.

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Speaker 1: Apparently, Oh yeah, I see, I've done both. I've lived

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Speaker 1: in the city, well not super city like you. I

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Speaker 1: feel like Newark is not it's city, but it's not

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Speaker 1: like super city. And then but I've mostly lived in

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Speaker 1: the suburbs as a kid, so like I'm used to

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Speaker 1: all the like, oh, look there's a deer and there's

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Speaker 1: a you know, I don't know, beaver and whatever, so.

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Speaker 2: Yeah, you know what it is.

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Speaker 1: My dad is traditional African man, so he's like, go

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Speaker 1: get go, get my pitchfork.

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Speaker 2: I'm like, what I can remember.

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Speaker 1: I don't know what kind of animal it was, but

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Speaker 1: it was like in our garage, like making thrashing about,

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Speaker 1: and my dad was like, can my pitchpork?

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Speaker 2: I don't know what happened. I was like, Daddy, let's

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Speaker 2: just call it animal control.

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Speaker 4: You are not, like, are you crazy? You're gonna battle

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Speaker 4: of that one with whatever this thing is.

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Speaker 2: Now. He came back, breathing heavy. I said, what happened?

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Speaker 1: He was like, I got it into the corner and

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Speaker 1: I had my pitchfork raise and then I looked at

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Speaker 1: its beautiful brown eyes and it looked so sad and scared.

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Speaker 2: So I opened the garage door and let it go.

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Speaker 2: It was like daddy transition.

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Speaker 3: It was too fast for me, and.

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Speaker 2: That's the man's planning for Oh that is hilarious.

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Speaker 1: But yeah, I'm gonna yeah, Okay, So I'm gonna brown

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Speaker 1: break and just a quick brown break because I posted

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Speaker 1: this on my ig stories.

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Speaker 2: I'm brown breaking from.

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Speaker 1: My mentee reached out to me because she had spent

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Speaker 1: like a lot of money to learn how to grow

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Speaker 1: a business from, like, you know, everybody now is like

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Speaker 1: a business culture consultant, and a lot of these are millennial,

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Speaker 1: you know, there's most of them are like millennial ass

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Speaker 1: which is no shame shade to millennials, but like just

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Speaker 1: young people, you know.

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Speaker 2: And so she was attracted to this because she was like.

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Speaker 1: Oh, they're young, I'm young. They're going to teach me

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Speaker 1: how to grow business. She spent a couple thousand dollars

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Speaker 1: and she walked away feeling like I didn't really learn anything,

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Speaker 1: and so I'm gonna kind of brown break from. I

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Speaker 1: gave her some tips next time about investing in herself

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Speaker 1: that she should. There's nothing wrong with investing in yourself.

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Speaker 1: You obviously should. And so she never thought about it,

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Speaker 1: you know, like, oh, did this person ever grow business

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Speaker 1: outside of like them selling me this business class, and

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Speaker 1: they if you really kind of looked into this person's

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Speaker 1: social media whatever, that you don't see anything else other

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Speaker 1: than my business is to tell you how to have

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Speaker 1: a business.

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Speaker 2: And so I was like, that's a red flag.

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Speaker 1: And so I'm kind of brown breaking from that business model,

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Speaker 1: which is the business of teaching you how to have

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Speaker 1: a business, but not.

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Speaker 2: Having a business, not having a business myself.

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Speaker 1: And I felt bad because I could tell she was like,

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Speaker 1: cause she doesn't have a whole bunch of money, so

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Speaker 1: to spend two thousand dollars and it.

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Speaker 3: Was two thousand dollars.

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Speaker 2: The gall the unmitigating golfing, the actual f you know.

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Speaker 1: But I told her, you we all learned these lessons,

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Speaker 1: my mentee, we all learn these lessons. And it's a

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Speaker 1: hard lesson to learn. But knowing that when you're choosing

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Speaker 1: experts to listen to, to make sure that they've actually done

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Speaker 1: the thing that they're teaching you, not just teaching you

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Speaker 1: how to do the thing. I mean, I'm not trying to,

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Speaker 1: you know, stop anybody's hustle, but you know, you know,

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Speaker 1: it's just honestly, it's it's not very fair and it's

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Speaker 1: not right. Someone' was like well, what about you. You

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Speaker 1: taught about money before you have money. I'm like, no, no, no.

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Speaker 1: When I was broke, all I taught was how to

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Speaker 1: budget because I was the best broke budget and that's

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Speaker 1: literally what I taught. And then when I fixed my credit,

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Speaker 1: I taught how did I fix my credit? And then

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Speaker 1: when I got out of debt, I taught how did

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Speaker 1: I get out of debt. I always talk from a

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Speaker 1: place of I did this thing, It actually works, And let.

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Speaker 2: Me show you how if you.

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Speaker 1: You know, are looking for business advice, especially if you're

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Speaker 1: going to pay for it, to really you know, to

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Speaker 1: vet the person that you're paying to make sure that

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Speaker 1: they they really have an expertise in that topic, that

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Speaker 1: they have a business outside of teaching you how.

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Speaker 2: To have a business.

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Speaker 3: Can I add one thing because we got an email

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Speaker 3: from a listener named Carly. It's not a question, but

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Speaker 3: she just wanted to let us know about some scam. Essentially,

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Speaker 3: she you know these like group trips online, like retreats

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Speaker 3: or girl tribes. You know these these group travel trips.

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Speaker 3: We've talked about some of them before. Just to make

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Speaker 3: sure you vet those two because she got scammed out

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Speaker 3: of money. She basically paid for a costa Rica retreat

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Speaker 3: that she paid for in full before departure, and then

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Speaker 3: two days before they were supposed to leave, they canceled

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Speaker 3: the trip and the person who was running the trip

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Speaker 3: said that she was scammed and all this messiness happened

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Speaker 3: and they never received a refund. So just another example

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Speaker 3: that makes me so mad.

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Speaker 1: Yes, so I would say with those type of things,

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Speaker 1: if you could pay via PayPal, because PayPal typically sides

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Speaker 1: with the with the buyer.

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Speaker 3: Ah, that's that's true, and you're like your credit card. Yeah,

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Speaker 3: some credit cards have good liability, like if you have

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Speaker 3: a if you have a record to the transaction and

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Speaker 3: you tell your credit card company that you didn't get

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Speaker 3: what you were supposed to receive, you can file a

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Speaker 3: fraud alert and they will investigate and maybe refund you

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Speaker 3: the money.

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Speaker 1: If whenever I'm buying anything online, I really try to

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Speaker 1: use my credit card, or if I'm purchasing something, I

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Speaker 1: use PayPal. Even if they're like, oh, could you pay

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Speaker 1: this way, I'm like, can I do PayPal that way?

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Speaker 1: If I don't get it, I can say, hey, PayPal

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Speaker 1: didn't get it, because PayPal will while they're weight they'll

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Speaker 1: freeze so that person will not be able to pull

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Speaker 1: that and draw that money. They'll freeze it and they'll

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Speaker 1: pull it right back.

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Speaker 3: PayPal is one of the only like P two P

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Speaker 3: like payment services that actually cover covers you for that

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Speaker 3: kind of stuff, which everyone's finding out now. If you

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Speaker 3: use like zell or Venmo and you try and pay

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Speaker 3: for a service or like a product from someone else

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Speaker 3: and they try out to be a scammer, you're not covered.

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Speaker 2: Mm hmm.

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Speaker 3: Definitely make sure. That's a good tip. So credit cards

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Speaker 3: are use PayPal.

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Speaker 2: At a venimum exactly. Question time, Brian, do we get

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Speaker 2: any questions? Because I know last and we were a

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Speaker 2: little light.

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Speaker 3: Did we ever? We got some good We got a

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Speaker 3: good couple of good questions this week. Am I save

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Speaker 3: a couple for next week? Again? If you guys have questions,

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Speaker 3: hit us up at Brand Ambition Podcasts at gmail dot

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Speaker 3: com that I'll send us an email directly, or you

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Speaker 3: can go to our website. Yes, we have one Brand

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Speaker 3: Ambition podcast dot com and hit ask us anything. First

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Speaker 3: questions from listener Neka says, I love the podcast. I've

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Speaker 3: been following Tiffany the Budgetista for over a year and

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Speaker 3: then I saw a video a while back where she

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Speaker 3: said she has a podcast and now I love Mandy. Oh,

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Speaker 3: thank you girl. Her question is Necka's question is I

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Speaker 3: have credit card debt of twenty thousand dollars and student

438
00:19:44,600 --> 00:19:48,119
Speaker 3: loan debt of over two hundred thousand dollars. Which is

439
00:19:48,160 --> 00:19:50,440
Speaker 3: going I'm going to start the snowball method by paying

440
00:19:50,480 --> 00:19:53,359
Speaker 3: off the lowest balance on my credit card first. But

441
00:19:53,440 --> 00:19:56,719
Speaker 3: I'm wondering should I withdraw some money from my retirement

442
00:19:56,760 --> 00:19:59,080
Speaker 3: fund for my old job to help pay down the

443
00:19:59,119 --> 00:20:02,320
Speaker 3: debt or is that an I don't know touching retirement money.

444
00:20:02,560 --> 00:20:05,320
Speaker 3: I have six figure income as a health professional, but

445
00:20:05,400 --> 00:20:09,160
Speaker 3: with four young children and being the sole breadwinner, I

446
00:20:09,200 --> 00:20:12,320
Speaker 3: am really feeling like I'm affluent poor trying to get

447
00:20:12,359 --> 00:20:15,320
Speaker 3: out of an overwhelming situation and take some actionable steps.

448
00:20:16,080 --> 00:20:22,760
Speaker 3: Please help affluent poor. It's crazy when you can be

449
00:20:22,840 --> 00:20:24,560
Speaker 3: I mean, first of all, if you want to find

450
00:20:24,560 --> 00:20:27,320
Speaker 3: out how you can be six figures, earn six figures

451
00:20:27,320 --> 00:20:30,439
Speaker 3: and still feel broke have four kids, Okay, yes we

452
00:20:30,480 --> 00:20:31,960
Speaker 3: feel I mean, I don't feel you. I was one

453
00:20:31,960 --> 00:20:34,080
Speaker 3: of four children, so I was part of the problem.

454
00:20:34,200 --> 00:20:38,480
Speaker 3: But plus, if you need to do everything right, she's

455
00:20:38,520 --> 00:20:40,479
Speaker 3: a doctor, she's a healthcare professional. But when it got

456
00:20:40,480 --> 00:20:43,760
Speaker 3: a medical degree, that's easily a few hundred thousand dollars

457
00:20:43,840 --> 00:20:46,879
Speaker 3: in debt. So this is not an outrageous amount of

458
00:20:46,960 --> 00:20:50,919
Speaker 3: debt to have, but dipping into a retirement fund, Tiffany,

459
00:20:50,920 --> 00:20:51,679
Speaker 3: what are your thoughts on that?

460
00:20:53,200 --> 00:20:55,800
Speaker 1: So my knee jerk reaction is almost always don't do

461
00:20:55,920 --> 00:20:58,119
Speaker 1: it because one day your old lady self will need it.

462
00:20:58,200 --> 00:21:00,560
Speaker 1: But there are some instances where it's like if you're

463
00:21:00,600 --> 00:21:04,280
Speaker 1: really drowning, drowning and there's like no way out, sometimes

464
00:21:04,280 --> 00:21:04,920
Speaker 1: that's a way out.

465
00:21:05,520 --> 00:21:05,720
Speaker 2: You know.

466
00:21:06,119 --> 00:21:09,200
Speaker 1: Have you looked into the forgiveness program before they totally

467
00:21:09,280 --> 00:21:12,280
Speaker 1: take it away. I don't know where you work, but oftentimes,

468
00:21:12,320 --> 00:21:14,080
Speaker 1: you know, doctors, if you work at a specific type

469
00:21:14,080 --> 00:21:16,679
Speaker 1: of hospital that you might you might qualify for the

470
00:21:16,680 --> 00:21:21,359
Speaker 1: student loan forgiveness program, which would help tremendously, you know,

471
00:21:21,840 --> 00:21:24,360
Speaker 1: or you might be someone where it makes sense to say, well,

472
00:21:24,480 --> 00:21:26,600
Speaker 1: is there something I can do to qualify for the

473
00:21:26,600 --> 00:21:28,720
Speaker 1: forgiveness program? Is there a job that I can get

474
00:21:28,760 --> 00:21:31,119
Speaker 1: that would still pay me this basically the same amount

475
00:21:31,119 --> 00:21:31,480
Speaker 1: of money?

476
00:21:31,960 --> 00:21:33,880
Speaker 2: But because this is this hospital is a.

477
00:21:33,800 --> 00:21:36,840
Speaker 1: Nonprofit hospital or run by a nonprofit, then I can

478
00:21:36,920 --> 00:21:40,159
Speaker 1: I can qualify and get this loan forgiven, because that's

479
00:21:40,200 --> 00:21:42,000
Speaker 1: a lot of money. And to me, it would be

480
00:21:42,040 --> 00:21:45,199
Speaker 1: worth it to switch a job to qualify for the

481
00:21:45,240 --> 00:21:47,119
Speaker 1: forgiveness program if I was gonna make the same amount

482
00:21:47,160 --> 00:21:49,440
Speaker 1: of money to get two hundred thousand forgiven.

483
00:21:49,880 --> 00:21:50,720
Speaker 2: So consider that.

484
00:21:51,240 --> 00:21:54,399
Speaker 1: But what I don't want you to do is like

485
00:21:54,480 --> 00:21:57,840
Speaker 1: knee jerk reactions, say well, let me take this money

486
00:21:57,880 --> 00:22:00,199
Speaker 1: from this four to one k, because what if to yes,

487
00:22:00,440 --> 00:22:02,639
Speaker 1: now you are really in dire streets and then you

488
00:22:02,640 --> 00:22:06,200
Speaker 1: don't have that access. Start the snowball method, automate it

489
00:22:06,640 --> 00:22:09,480
Speaker 1: and truck along. And you know, I'm assuming you're going

490
00:22:09,480 --> 00:22:11,520
Speaker 1: to get raises, you know, typically at you know, at

491
00:22:11,600 --> 00:22:14,199
Speaker 1: least the rate of inflation every year, and you can

492
00:22:14,240 --> 00:22:17,760
Speaker 1: put those raises towards your debt and slowly but surely

493
00:22:17,760 --> 00:22:19,639
Speaker 1: work toward it without pulling from retirement.

494
00:22:20,520 --> 00:22:22,359
Speaker 3: I think she's right to focus on the credit card

495
00:22:22,440 --> 00:22:24,600
Speaker 3: debt first. She has about twenty thousand dollars in credit

496
00:22:24,600 --> 00:22:26,720
Speaker 3: card debt. I mean, if we're assuming it's about the

497
00:22:26,760 --> 00:22:31,280
Speaker 3: typical average APR that's you know, fifteen, maybe sixteen percent

498
00:22:31,400 --> 00:22:34,359
Speaker 3: or higher that that credit card debt's accruing at and

499
00:22:34,800 --> 00:22:38,800
Speaker 3: twenty thousand dollars can quickly become even more like every month,

500
00:22:38,840 --> 00:22:41,119
Speaker 3: you're just taking a percentage of that debt and adding

501
00:22:41,119 --> 00:22:43,560
Speaker 3: it to your debt balance. So focusing on that is

502
00:22:43,600 --> 00:22:45,880
Speaker 3: good first. What I would say, so, let's say, worst

503
00:22:45,880 --> 00:22:49,600
Speaker 3: case scenario, she can't qualify for any loan forgiveness programs.

504
00:22:49,760 --> 00:22:51,320
Speaker 3: You know, even if she did, it's not like a

505
00:22:51,359 --> 00:22:55,399
Speaker 3: quick fix. Have you looked into refinancing. I'm assuming if

506
00:22:55,440 --> 00:22:57,280
Speaker 3: you go to medical school, you probably have some private

507
00:22:57,359 --> 00:23:01,240
Speaker 3: loan debt and some federal student loan debt. Consider refinancing

508
00:23:01,240 --> 00:23:05,240
Speaker 3: your debt with a lender. There's multiple private lenders out

509
00:23:05,240 --> 00:23:08,120
Speaker 3: there that will refinance your debt. You can. I'll put

510
00:23:08,119 --> 00:23:10,120
Speaker 3: a list. I'll send you a list at Magnifying Money.

511
00:23:10,119 --> 00:23:11,760
Speaker 3: We've done a roundup. I don't want to refer you

512
00:23:11,800 --> 00:23:14,399
Speaker 3: to any one particular lender because they all offer different

513
00:23:15,359 --> 00:23:17,840
Speaker 3: rates and terms. It's really about choosing the lender that

514
00:23:17,880 --> 00:23:21,680
Speaker 3: gives you the best rate, gives you the best terms

515
00:23:21,760 --> 00:23:24,720
Speaker 3: for a student loan refinance. But if you were to refinance,

516
00:23:24,760 --> 00:23:27,680
Speaker 3: they would basically pay off your existing loans and then

517
00:23:27,960 --> 00:23:30,399
Speaker 3: you would have one loan payment with them and you

518
00:23:30,440 --> 00:23:34,320
Speaker 3: would have one new hopefully lower interest rate, which can

519
00:23:34,480 --> 00:23:36,880
Speaker 3: potentially give you more time to pay off your loan.

520
00:23:36,960 --> 00:23:39,320
Speaker 3: It can make the payments more manageable so that you

521
00:23:39,320 --> 00:23:41,280
Speaker 3: can throw as much as you can toward your credit

522
00:23:41,320 --> 00:23:43,480
Speaker 3: card debt and get that paid off first.

523
00:23:43,560 --> 00:23:45,479
Speaker 1: The good thing is, you know you make good money.

524
00:23:45,680 --> 00:23:49,240
Speaker 1: But also the good thing is you have for beautiful children.

525
00:23:49,320 --> 00:23:52,160
Speaker 1: But the bad thing is your for beautiful children are expensive.

526
00:23:52,359 --> 00:23:55,679
Speaker 1: So but you won't always have this debt, and so

527
00:23:55,720 --> 00:23:57,960
Speaker 1: you'll be able to feel the affluent part and not

528
00:23:58,080 --> 00:24:00,000
Speaker 1: so much the four poor part as you continue to

529
00:24:00,040 --> 00:24:00,680
Speaker 1: pay off the debt.

530
00:24:01,200 --> 00:24:03,840
Speaker 3: I hope your kids are really really rich one day. Yes,

531
00:24:04,880 --> 00:24:06,880
Speaker 3: but that's not a good investment plan. Don't do that.

532
00:24:06,960 --> 00:24:12,200
Speaker 3: It's okay. Let's take one more quick question from listener Antonia.

533
00:24:13,280 --> 00:24:15,199
Speaker 3: And Tonia has a quick question. She wants to know

534
00:24:15,240 --> 00:24:18,639
Speaker 3: what's the difference between opening an IRA through your bank

535
00:24:18,840 --> 00:24:22,960
Speaker 3: versus going with a robo investment company like Betterment thanks

536
00:24:22,960 --> 00:24:23,520
Speaker 3: above the show.

537
00:24:24,800 --> 00:24:29,560
Speaker 1: Yes, well it's I've never opened a Betterment, but I'm

538
00:24:29,560 --> 00:24:32,000
Speaker 1: assuming those were investing companies. Don't you kind of fill

539
00:24:32,000 --> 00:24:34,280
Speaker 1: out a profile and they pick for you exactly.

540
00:24:34,440 --> 00:24:36,760
Speaker 3: Actually, this is a good question for me because Antonia

541
00:24:36,800 --> 00:24:38,960
Speaker 3: I had had the exact same question. I'm trying to

542
00:24:39,000 --> 00:24:41,080
Speaker 3: start an investment account. I've I've been saying I'm going

543
00:24:41,160 --> 00:24:42,639
Speaker 3: to do it for a while, just outside of my

544
00:24:43,200 --> 00:24:45,159
Speaker 3: four to one K, so I can start investing for

545
00:24:45,240 --> 00:24:47,439
Speaker 3: wealth on the side. And I'm wondering should I go

546
00:24:47,480 --> 00:24:51,439
Speaker 3: with Betterment or these other robo advisors like Acorns or

547
00:24:52,359 --> 00:24:54,480
Speaker 3: wealth Front. And basically what they do is you fill

548
00:24:54,480 --> 00:24:57,840
Speaker 3: out a profile. They kind of determine what your risk,

549
00:24:58,640 --> 00:25:01,520
Speaker 3: what your risk tolerance is, and how aggressive you want

550
00:25:01,520 --> 00:25:03,639
Speaker 3: to be as an investor, and then they kind of

551
00:25:03,640 --> 00:25:06,560
Speaker 3: put you into different mutual funds and it's it's a

552
00:25:06,560 --> 00:25:08,840
Speaker 3: smart way to invest because they're kind of taking the

553
00:25:08,920 --> 00:25:10,800
Speaker 3: human error out of the equation. And if you're do

554
00:25:10,920 --> 00:25:13,480
Speaker 3: it investing, it can be really good because you don't

555
00:25:13,520 --> 00:25:15,840
Speaker 3: want to spend a lot of time picking and choosing investments.

556
00:25:15,840 --> 00:25:17,840
Speaker 3: The important thing is you just want to start investing,

557
00:25:18,160 --> 00:25:19,880
Speaker 3: and they kind of just put you into some low

558
00:25:19,920 --> 00:25:22,920
Speaker 3: cost mutual funds right away and then do the work

559
00:25:22,960 --> 00:25:26,359
Speaker 3: for you. But because they're doing it via these algorithms,

560
00:25:26,600 --> 00:25:29,240
Speaker 3: they charge a lot lower fees than you would get

561
00:25:29,240 --> 00:25:32,000
Speaker 3: if you went to like a traditional bank invest or,

562
00:25:32,080 --> 00:25:34,919
Speaker 3: a traditional investment firm, and got you know, a human

563
00:25:35,040 --> 00:25:38,040
Speaker 3: investment manager to manage your stuff for you. So thus

564
00:25:38,040 --> 00:25:41,479
Speaker 3: the prose of betterment. If you're someone who wants to

565
00:25:41,600 --> 00:25:44,320
Speaker 3: if you really want to learn more about investments and

566
00:25:44,359 --> 00:25:46,479
Speaker 3: you want to you want to actually pick and choose

567
00:25:46,840 --> 00:25:49,520
Speaker 3: your individual mutual funds and have more of an active

568
00:25:49,560 --> 00:25:52,399
Speaker 3: approach to that than opening up an IRA through your

569
00:25:52,440 --> 00:25:55,720
Speaker 3: bank may work for you only if you know you're

570
00:25:55,720 --> 00:25:57,600
Speaker 3: willing to do that extra bit of work.

571
00:25:57,880 --> 00:25:59,960
Speaker 1: So I'll say that what I do like about, like

572
00:26:00,000 --> 00:26:02,200
Speaker 1: you said, the betterment, it's that that automation.

573
00:26:01,880 --> 00:26:04,200
Speaker 2: Piece, and you just have to be mindful of fees.

574
00:26:04,240 --> 00:26:06,960
Speaker 1: So the rule right is if you have like an

575
00:26:07,000 --> 00:26:10,480
Speaker 1: in person, real person that's managing you, really should not

576
00:26:10,520 --> 00:26:14,800
Speaker 1: pay more than one percent on the value of your

577
00:26:15,040 --> 00:26:16,720
Speaker 1: Like you have to ask, like, how are fees paid,

578
00:26:16,720 --> 00:26:19,080
Speaker 1: and they're like, oh, we charge one point five percent

579
00:26:19,160 --> 00:26:21,439
Speaker 1: too high. No more than one percent for a real person,

580
00:26:21,720 --> 00:26:24,760
Speaker 1: and no more than half a percent for a like

581
00:26:24,920 --> 00:26:25,960
Speaker 1: robo advisor.

582
00:26:26,720 --> 00:26:28,000
Speaker 2: These are people that you're not going to meet. This

583
00:26:28,080 --> 00:26:29,159
Speaker 2: is just like an algorithm.

584
00:26:29,440 --> 00:26:31,400
Speaker 1: So just keep that in mind as you know that

585
00:26:31,440 --> 00:26:35,200
Speaker 1: half a percent is significant. You know when it comes

586
00:26:35,200 --> 00:26:36,960
Speaker 1: down to how much money you'll have in the end.

587
00:26:37,160 --> 00:26:39,600
Speaker 1: So that's why a lot of people, especially millennials, are

588
00:26:39,640 --> 00:26:42,320
Speaker 1: really leading towards the robo advising because it's it's set

589
00:26:42,359 --> 00:26:44,199
Speaker 1: it and forget it, and it's much cheaper.

590
00:26:44,960 --> 00:26:46,560
Speaker 3: Yeah, I think the fees are better, man, They're like

591
00:26:46,640 --> 00:26:50,000
Speaker 3: less than half a percentage point, which is good, which

592
00:26:50,040 --> 00:26:52,760
Speaker 3: is good. You can get lower fees than that if

593
00:26:52,800 --> 00:26:54,840
Speaker 3: you put your own, if you go to Vanguard and

594
00:26:54,880 --> 00:26:57,680
Speaker 3: you put together like your little mutual funds, because most

595
00:26:57,720 --> 00:27:01,159
Speaker 3: mutual most mutual funds like a I'm invested. For example,

596
00:27:01,200 --> 00:27:03,560
Speaker 3: I kind of put together my own retirement, my four

597
00:27:03,600 --> 00:27:05,480
Speaker 3: to one K. What I did is I went to

598
00:27:05,520 --> 00:27:08,080
Speaker 3: my old four to one K target date fund that

599
00:27:08,160 --> 00:27:11,800
Speaker 3: I had through Vanguard. Target date fund is basically it's

600
00:27:12,280 --> 00:27:15,240
Speaker 3: put together based on your age and it automatically adjusts

601
00:27:15,240 --> 00:27:17,760
Speaker 3: your investments as you get older. And I've had I've

602
00:27:17,840 --> 00:27:20,359
Speaker 3: liked my target date fund, but my new company that

603
00:27:20,440 --> 00:27:23,480
Speaker 3: I recently joined doesn't offer the same target date fund,

604
00:27:23,520 --> 00:27:25,920
Speaker 3: so I kind of had to put together the exact

605
00:27:26,119 --> 00:27:27,960
Speaker 3: They did offer the pieces that I had in my

606
00:27:27,960 --> 00:27:30,000
Speaker 3: target date fund though, so I kind of put together

607
00:27:30,040 --> 00:27:33,440
Speaker 3: the same fund with my new employer, and I think

608
00:27:33,480 --> 00:27:38,159
Speaker 3: the total expense ratio, which is the annual cost of

609
00:27:38,240 --> 00:27:40,600
Speaker 3: managing that fund, is something like zero point one point

610
00:27:40,720 --> 00:27:43,919
Speaker 3: seven percent, which is great, which is amazing, you know,

611
00:27:43,960 --> 00:27:46,520
Speaker 3: and you can say that's less than half what Betterment's charging.

612
00:27:46,560 --> 00:27:48,400
Speaker 3: But I had to go in there, and I had

613
00:27:48,400 --> 00:27:50,000
Speaker 3: to know a little bit to be able to do that.

614
00:27:51,119 --> 00:27:53,439
Speaker 3: And I think if you're a beginning investor, I would.

615
00:27:53,880 --> 00:27:55,439
Speaker 3: I think that there's a lot to be said for

616
00:27:55,480 --> 00:27:58,760
Speaker 3: these rogo advisors because they kind of it's for me.

617
00:27:58,840 --> 00:28:02,400
Speaker 3: I'm all about, like, Okay, it's good to compare your options,

618
00:28:02,400 --> 00:28:04,679
Speaker 3: you know, compare the robot to the I ray and

619
00:28:04,720 --> 00:28:06,639
Speaker 3: the traditional and all that kind of stuff. But just

620
00:28:06,680 --> 00:28:09,600
Speaker 3: start investing. Yeh, don't get too caught up in it.

621
00:28:09,680 --> 00:28:11,960
Speaker 3: I mean you can't. I mean, I don't want to

622
00:28:12,000 --> 00:28:14,840
Speaker 3: say you can't go wrong. But with a betterment, with

623
00:28:15,240 --> 00:28:17,480
Speaker 3: you know, opening up a target date fund at a

624
00:28:17,520 --> 00:28:20,400
Speaker 3: regular investment firm, I mean, you're getting in there, you're

625
00:28:20,440 --> 00:28:22,080
Speaker 3: not paying a lot of fees. You know that upfront

626
00:28:22,080 --> 00:28:25,560
Speaker 3: they're investing you in some really diverse portfolios, so you're

627
00:28:25,560 --> 00:28:28,320
Speaker 3: already ahead of the game in a way. It's better

628
00:28:28,359 --> 00:28:31,080
Speaker 3: than sitting there and twiddling your thumbs and like anguishing over.

629
00:28:31,400 --> 00:28:33,919
Speaker 3: I don't understand every little bit of this yet. Just

630
00:28:34,000 --> 00:28:35,360
Speaker 3: get started, that's what's important.

631
00:28:44,920 --> 00:28:49,080
Speaker 1: Wind this week, my wind is super easy. My Superman

632
00:28:49,240 --> 00:28:52,120
Speaker 1: is signed up for a lead removal class. We could

633
00:28:52,120 --> 00:28:54,080
Speaker 1: finally make some movement on the house. We got the

634
00:28:54,120 --> 00:28:56,080
Speaker 1: water turned on after they told us they couldn't find

635
00:28:56,080 --> 00:28:59,880
Speaker 1: the spicket. And yeah, finally some movement on the house.

636
00:29:00,080 --> 00:29:02,880
Speaker 1: So I'm looking for a contractor. I put like a

637
00:29:02,920 --> 00:29:05,320
Speaker 1: call out so in the next before the end of

638
00:29:05,360 --> 00:29:07,320
Speaker 1: this month, work will have begun on the house.

639
00:29:07,360 --> 00:29:08,040
Speaker 2: So I'm excited.

640
00:29:08,520 --> 00:29:09,880
Speaker 3: Okay, it's all happening.

641
00:29:10,400 --> 00:29:12,000
Speaker 2: Yes, it's not.

642
00:29:12,080 --> 00:29:15,160
Speaker 3: She oh, I wish I had a funhouse update.

643
00:29:16,280 --> 00:29:16,560
Speaker 1: I don't.

644
00:29:16,560 --> 00:29:18,280
Speaker 3: I don't have a fun house update. I actually listened

645
00:29:18,320 --> 00:29:21,640
Speaker 3: to Tiffany's interview on the friend Zone, and I think Tiffany,

646
00:29:21,640 --> 00:29:23,720
Speaker 3: am I have saved me from making well I don't

647
00:29:23,720 --> 00:29:25,160
Speaker 3: know yet. You know where we want to do this

648
00:29:25,200 --> 00:29:27,120
Speaker 3: big renovation, and I've kind of had it in my

649
00:29:27,160 --> 00:29:29,560
Speaker 3: mind we're going to do everything right away, and it's

650
00:29:29,680 --> 00:29:32,040
Speaker 3: looking increasingly like we will not be able to pay

651
00:29:32,080 --> 00:29:36,000
Speaker 3: for cash. Basically, I held aside cash to put toward

652
00:29:36,000 --> 00:29:38,560
Speaker 3: the renovation, and it may not be enough because we

653
00:29:38,600 --> 00:29:40,280
Speaker 3: have to do all this HVAC stuff and what about

654
00:29:40,400 --> 00:29:43,840
Speaker 3: like blah blah blah and all the you know, we're

655
00:29:43,840 --> 00:29:46,560
Speaker 3: talking to vendors and they have like financing plans and

656
00:29:46,600 --> 00:29:48,960
Speaker 3: we can take out a home improvement loan and all

657
00:29:49,000 --> 00:29:51,160
Speaker 3: these things are these options are sort of throwing it's

658
00:29:51,160 --> 00:29:53,360
Speaker 3: sort of been you know, thrown at me. And now

659
00:29:53,400 --> 00:29:55,200
Speaker 3: I'm that I had to like stop myself listening to

660
00:29:55,240 --> 00:29:57,360
Speaker 3: your podcast, listening to that episode you did on the

661
00:29:57,360 --> 00:30:00,400
Speaker 3: friend Zone where you were talking about here's here's Shelley,

662
00:30:00,800 --> 00:30:03,760
Speaker 3: who you know, gets a new house and then finance

663
00:30:03,800 --> 00:30:07,880
Speaker 3: all her furniture. And then here's like Mandy who waits

664
00:30:07,880 --> 00:30:11,440
Speaker 3: a year, saves up, moves in with his sister, like

665
00:30:11,480 --> 00:30:13,680
Speaker 3: saves up by some Craigslist furniture in the meantime, and

666
00:30:13,680 --> 00:30:15,680
Speaker 3: then saves up to buy her furniture cash. And here's

667
00:30:15,680 --> 00:30:17,360
Speaker 3: what their financial picture looks like. And I was like,

668
00:30:17,400 --> 00:30:21,800
Speaker 3: I don't want to be Shelley. Yeah, but it's interesting.

669
00:30:22,480 --> 00:30:25,000
Speaker 1: It is the financial life away for the things that

670
00:30:25,040 --> 00:30:30,560
Speaker 1: you want. Why like even us, of course we want

671
00:30:30,560 --> 00:30:33,320
Speaker 1: to do every little thing, but we're taking our time

672
00:30:33,520 --> 00:30:35,720
Speaker 1: because we're like Okay, we could spend.

673
00:30:35,560 --> 00:30:38,480
Speaker 2: Eight thousand dollars on lead removal, or Superman can.

674
00:30:38,360 --> 00:30:40,800
Speaker 1: Take a three hundred dollars class and him and his

675
00:30:40,920 --> 00:30:44,280
Speaker 1: cousins can take a week to do the led removal themselves.

676
00:30:44,320 --> 00:30:46,800
Speaker 1: Since for the city of city where we work, of Newark,

677
00:30:47,080 --> 00:30:51,040
Speaker 1: you know, he does like maintenance and super stuff.

678
00:30:51,080 --> 00:30:52,640
Speaker 2: I don't know, like fixy stuff, you know.

679
00:30:52,680 --> 00:30:54,840
Speaker 1: So I'm like, well, this is just an extension, like

680
00:30:54,840 --> 00:30:57,800
Speaker 1: almost like you now, he's certified to do leed removal,

681
00:30:57,840 --> 00:31:00,440
Speaker 1: which is something that you know, we can actually right

682
00:31:00,480 --> 00:31:04,479
Speaker 1: off for his job. So taking your time and you know,

683
00:31:05,080 --> 00:31:08,280
Speaker 1: not kind of over financing yourself. In the end you

684
00:31:08,320 --> 00:31:12,160
Speaker 1: get the house and the income and the money. So yeah,

685
00:31:12,240 --> 00:31:14,640
Speaker 1: everybody goes crazy when it comes to renovations. I mean

686
00:31:14,680 --> 00:31:17,040
Speaker 1: you watch HGTV. Everybody goes over them.

687
00:31:16,960 --> 00:31:18,880
Speaker 3: And it makes you feel like you need to have

688
00:31:18,920 --> 00:31:21,200
Speaker 3: everything done right away and it's nice right Like I'm

689
00:31:21,240 --> 00:31:22,880
Speaker 3: just like, God, I wish we had just been on

690
00:31:22,920 --> 00:31:25,120
Speaker 3: an episode of Property Brothers. I could have had this

691
00:31:25,160 --> 00:31:28,040
Speaker 3: done a six to eight weeks. The Jonathan never the

692
00:31:28,080 --> 00:31:33,200
Speaker 3: Twins never fail. Unfortunately they're not filming in my county's

693
00:31:33,280 --> 00:31:35,800
Speaker 3: my state right now, So I couldn't do that, so

694
00:31:35,840 --> 00:31:38,240
Speaker 3: we're doing it all, you know, the old fashioned way.

695
00:31:38,280 --> 00:31:40,600
Speaker 3: And these vendors, though, they make you feel like he

696
00:31:40,680 --> 00:31:42,440
Speaker 3: got to make decisions now. They're like, oh, it's the

697
00:31:42,440 --> 00:31:45,040
Speaker 3: summertime and you know all these other people are lining up,

698
00:31:45,120 --> 00:31:47,080
Speaker 3: so you need And I just feel like, Okay, I'm

699
00:31:47,080 --> 00:31:49,640
Speaker 3: feeling uncomfortable. I feel like I'm being pressured and my

700
00:31:49,720 --> 00:31:52,480
Speaker 3: spidy sense is going up and all this has been happening.

701
00:31:52,520 --> 00:31:54,200
Speaker 3: And then I heard you on the podcast and I'm like,

702
00:31:54,240 --> 00:31:56,240
Speaker 3: you know what, I'm going to have to press pause

703
00:31:56,320 --> 00:31:58,680
Speaker 3: a little bit and just take a step back, and

704
00:31:58,680 --> 00:32:01,160
Speaker 3: I'm not to talk to my husband and just say

705
00:32:01,320 --> 00:32:03,520
Speaker 3: I don't think we want to put ourselves in this situation,

706
00:32:03,600 --> 00:32:06,320
Speaker 3: at least not right now. And stop believing that there

707
00:32:06,320 --> 00:32:10,320
Speaker 3: are these like artificial timelines and artificial deadlines, because there's not.

708
00:32:10,520 --> 00:32:12,560
Speaker 3: Like we are not we're not real estate investors. We're

709
00:32:12,560 --> 00:32:14,560
Speaker 3: not flipping this house in a year. We're going to

710
00:32:14,640 --> 00:32:17,240
Speaker 3: live here for a decade or more. So we can

711
00:32:17,360 --> 00:32:20,280
Speaker 3: we should take our time. And I made a plan.

712
00:32:20,360 --> 00:32:22,840
Speaker 3: I made a meeting with our financial planner on Friday,

713
00:32:23,040 --> 00:32:25,440
Speaker 3: and I'm going to get her advice and opinions on

714
00:32:25,600 --> 00:32:28,360
Speaker 3: what we could potentially afford, like what we could afford

715
00:32:28,400 --> 00:32:30,880
Speaker 3: to do now that would leave us comfortable where we

716
00:32:30,880 --> 00:32:33,440
Speaker 3: want to be, feeling like we're too over leveraged and

717
00:32:33,520 --> 00:32:36,800
Speaker 3: over financed because I am not like we're just like

718
00:32:36,920 --> 00:32:39,160
Speaker 3: we're doing too well to struggle. I don't want to

719
00:32:39,160 --> 00:32:42,800
Speaker 3: be like I don't want to be house poor. So quickly,

720
00:32:42,880 --> 00:32:44,960
Speaker 3: that's my that's what That's the last thing I want.

721
00:32:45,680 --> 00:32:47,840
Speaker 2: Okay, same, Look, that's good.

722
00:32:48,160 --> 00:32:51,440
Speaker 3: Thanks Tiffany, You're welcome.

723
00:32:52,120 --> 00:32:54,240
Speaker 1: And I spoke to it, like randomly, not that necessarily

724
00:32:54,280 --> 00:32:57,520
Speaker 1: believe in psychics, but this like psychic lady reached out

725
00:32:57,560 --> 00:32:59,320
Speaker 1: to me asking me for some financial advice.

726
00:33:00,240 --> 00:33:03,640
Speaker 2: Was like, huh, I feel a baby presence near you.

727
00:33:03,680 --> 00:33:05,200
Speaker 2: I was like, I'll take it.

728
00:33:05,560 --> 00:33:09,840
Speaker 4: I know, I said, you know what, I don't know

729
00:33:09,880 --> 00:33:12,200
Speaker 4: that I believe it all that, but I'll take it.

730
00:33:12,600 --> 00:33:16,160
Speaker 3: So were you watching that live feed of your nephews

731
00:33:16,480 --> 00:33:17,520
Speaker 3: daycare at the same time?

732
00:33:17,960 --> 00:33:20,840
Speaker 2: I know, I know. She was like, huh it's a girl.

733
00:33:20,880 --> 00:33:22,920
Speaker 2: I was like, okay, girl, I know.

734
00:33:23,080 --> 00:33:25,360
Speaker 1: So no, I mean, well I don't I mean no,

735
00:33:26,000 --> 00:33:29,480
Speaker 1: I mean because they say women say that they're not pregnant.

736
00:33:29,520 --> 00:33:31,240
Speaker 2: I mean, I don't know.

737
00:33:31,320 --> 00:33:33,480
Speaker 1: That, but you know, but they just say you should

738
00:33:33,520 --> 00:33:35,440
Speaker 1: never deny it. So I'm just like, for those women

739
00:33:35,440 --> 00:33:36,680
Speaker 1: who want to get pregnant, I don't if it's just

740
00:33:36,720 --> 00:33:37,520
Speaker 1: the old wives.

741
00:33:37,240 --> 00:33:39,880
Speaker 3: Tale positive thinking.

742
00:33:39,960 --> 00:33:41,240
Speaker 2: Yes, exactly so.

743
00:33:41,400 --> 00:33:43,160
Speaker 1: But when she said it, I was like, you know what,

744
00:33:43,320 --> 00:33:47,320
Speaker 1: I'm gonna add all the baby vibes and and dust and.

745
00:33:47,280 --> 00:33:48,760
Speaker 2: Juju or whatever you guys have said it to me,

746
00:33:48,840 --> 00:33:49,480
Speaker 2: continue to say that.

747
00:33:49,520 --> 00:33:52,760
Speaker 1: I will take every I'll take the Jewish vibe, I'll

748
00:33:52,800 --> 00:33:56,480
Speaker 1: take Christian vibe, I'll take Muslim vibes. Whatever you I'm

749
00:33:56,480 --> 00:33:58,440
Speaker 1: not bicky. I'll take the ball. So when she said it,

750
00:33:58,480 --> 00:34:00,600
Speaker 1: I said, okay, girl, I'll take it. And this is

751
00:34:00,640 --> 00:34:04,400
Speaker 1: how you fix your credit. So yeah, so hopefully good

752
00:34:04,400 --> 00:34:04,840
Speaker 1: news soon

753
00:34:05,640 --> 00:34:07,080
Speaker 3: Okay, Fingers crossed,