WEBVTT - Ep. 127 — So, About That Time Tiffany Got Someone Fired...

0:00:16.200 --> 0:00:20.239
<v Speaker 1>All right, hey, hey, hey, we're back.

0:00:20.520 --> 0:00:22.200
<v Speaker 2>We're black, We're brown.

0:00:24.760 --> 0:00:29.960
<v Speaker 1>I'm Tiffany, I'm Mady and this is Brown Ambition.

0:00:31.040 --> 0:00:34.200
<v Speaker 3>Nailed it. Happy Brown Ambition Wednesday, guys.

0:00:34.440 --> 0:00:36.199
<v Speaker 2>Yeah, Happy bron Ambition Wednesday.

0:00:36.280 --> 0:00:38.680
<v Speaker 1>So let's talk about the elephant in the room, or

0:00:38.720 --> 0:00:41.120
<v Speaker 1>shall we say the two step in the room.

0:00:42.600 --> 0:00:44.519
<v Speaker 3>Are you talking about This Is America?

0:00:45.280 --> 0:00:48.360
<v Speaker 2>Yes, only Donald we acknowledge is Glover.

0:00:49.400 --> 0:00:52.440
<v Speaker 3>First of all, Donald Glover. I don't know if anyone

0:00:52.600 --> 0:00:55.920
<v Speaker 3>listening has ever watched the show Community, Like I never

0:00:55.960 --> 0:00:58.240
<v Speaker 3>really had watched it. My husband liked it. But if

0:00:58.280 --> 0:01:01.280
<v Speaker 3>you look at Donald Glover, his character on Community, it's

0:01:01.280 --> 0:01:03.480
<v Speaker 3>like he put that character in a trash can and

0:01:03.600 --> 0:01:06.760
<v Speaker 3>burned it, like blew it up, and he's like, I'm

0:01:06.760 --> 0:01:08.520
<v Speaker 3>never going to be this person again. I am doing

0:01:08.560 --> 0:01:10.840
<v Speaker 3>things my way. And then he came out with like

0:01:10.880 --> 0:01:14.920
<v Speaker 3>Atlanta and now all this music, and basically he's owning

0:01:15.000 --> 0:01:17.040
<v Speaker 3>the internet right now because his video for This Is

0:01:17.040 --> 0:01:20.039
<v Speaker 3>America just dropped like the same weekend that he hosted

0:01:20.360 --> 0:01:23.240
<v Speaker 3>SNL and what might have been one of the blackest

0:01:23.280 --> 0:01:24.720
<v Speaker 3>episodes of SNL in a long time.

0:01:25.319 --> 0:01:28.560
<v Speaker 1>I haven't seen that, but I've seen the video and

0:01:28.600 --> 0:01:31.480
<v Speaker 1>I'm not gonna lie. At first, I saw the Instagram

0:01:31.640 --> 0:01:33.880
<v Speaker 1>clips of it, which if that's all you've seen, you

0:01:33.920 --> 0:01:35.679
<v Speaker 1>have not seen it, and I was like, what's going on?

0:01:35.720 --> 0:01:37.440
<v Speaker 1>Because I'm like, why is he dancing so weird? Like

0:01:37.800 --> 0:01:40.000
<v Speaker 1>I didn't get it, you know, I was like, Oh,

0:01:40.040 --> 0:01:43.160
<v Speaker 1>he's dancing. And then when I saw the whole video,

0:01:43.280 --> 0:01:46.840
<v Speaker 1>I said, Okay, there's a lot to unpack here. And

0:01:46.880 --> 0:01:49.160
<v Speaker 1>then I started reading you know articles love he has

0:01:49.200 --> 0:01:52.760
<v Speaker 1>a great one, Okay Africa and okay player, I think,

0:01:52.880 --> 0:01:53.920
<v Speaker 1>or okay Africa has.

0:01:53.840 --> 0:01:54.240
<v Speaker 2>A great one.

0:01:54.360 --> 0:01:55.840
<v Speaker 3>Everyone's got a thought piece.

0:01:55.840 --> 0:01:58.320
<v Speaker 1>Yes, and it's like but what I liked about it

0:01:58.400 --> 0:02:01.320
<v Speaker 1>is that there are components that I missed, Like is

0:02:01.360 --> 0:02:03.760
<v Speaker 1>that Trayvon Martin's father that was shot in the beginning,

0:02:04.920 --> 0:02:06.640
<v Speaker 1>like the chaos going on in the background.

0:02:06.640 --> 0:02:07.240
<v Speaker 2>Wait was it.

0:02:09.120 --> 0:02:12.400
<v Speaker 1>There's mixed opinions about whether it was, but like, for example,

0:02:12.639 --> 0:02:14.600
<v Speaker 1>how they handled the guns versus how they handle the

0:02:14.600 --> 0:02:19.760
<v Speaker 1>bodies that passed away. They handled the guns so carefully, yes,

0:02:19.800 --> 0:02:22.840
<v Speaker 1>and the people that were killed were just kind of

0:02:22.919 --> 0:02:24.680
<v Speaker 1>like looked over or dragged away.

0:02:25.000 --> 0:02:26.400
<v Speaker 2>So there's just a lot to unpack.

0:02:26.840 --> 0:02:28.520
<v Speaker 3>I wanted to take a minute and read some of

0:02:28.560 --> 0:02:30.680
<v Speaker 3>the comments we got on Instagram because I asked our

0:02:30.720 --> 0:02:32.760
<v Speaker 3>followers if they wanted if they had any thoughts to

0:02:32.760 --> 0:02:35.320
<v Speaker 3>share on the video. We got some really good, thoughtful comments.

0:02:35.639 --> 0:02:38.880
<v Speaker 3>Let me read this one. This one's from Instagram user

0:02:39.000 --> 0:02:42.639
<v Speaker 3>deb Hack nineteen ninety one. She says, I think childish

0:02:42.639 --> 0:02:45.520
<v Speaker 3>Gambino is a representation of America and all of the

0:02:45.520 --> 0:02:50.480
<v Speaker 3>things of distraction from what's going on behind him. Instagram

0:02:50.560 --> 0:02:54.600
<v Speaker 3>user man versus Cash says deb Hack nineteen ninety one

0:02:54.639 --> 0:02:56.840
<v Speaker 3>has it pretty right. As long as we keep focusing

0:02:56.880 --> 0:02:59.919
<v Speaker 3>on the shucking and driving that occurred throughout the entire video,

0:03:00.000 --> 0:03:02.040
<v Speaker 3>so we won't see what has been happening for the

0:03:02.120 --> 0:03:05.880
<v Speaker 3>last thirty plus years. All the slave references, references to

0:03:05.919 --> 0:03:09.480
<v Speaker 3>Michael Jackson eighties nineties cars to Rodney King. Also the

0:03:09.480 --> 0:03:12.080
<v Speaker 3>fact that both guns were wrapped in a red veil

0:03:12.240 --> 0:03:16.200
<v Speaker 3>and protected while the victims were unceremoniously dragged off. It

0:03:16.280 --> 0:03:16.600
<v Speaker 3>got me.

0:03:17.200 --> 0:03:21.720
<v Speaker 2>Wow, Yes, those are I mean, those are great. I

0:03:21.760 --> 0:03:23.240
<v Speaker 2>mean I'm looking at them now.

0:03:23.520 --> 0:03:26.720
<v Speaker 1>Honestly, I love when you guys kind of let your

0:03:26.760 --> 0:03:30.280
<v Speaker 1>thoughts be known via social So if you didn't know,

0:03:30.480 --> 0:03:36.320
<v Speaker 1>we have an Instagram page, it is Brown Ambition podcast,

0:03:37.040 --> 0:03:40.600
<v Speaker 1>and if you ever want to leave any commentary, either

0:03:40.640 --> 0:03:42.760
<v Speaker 1>on our Instagram page or just in general, use the

0:03:42.800 --> 0:03:44.920
<v Speaker 1>hashtag brown ambition so we can find you and we'll

0:03:44.920 --> 0:03:46.720
<v Speaker 1>read them in the beginning of the show.

0:03:46.760 --> 0:03:50.480
<v Speaker 3>Every week'll be looking. Don't make a fool of yourself.

0:03:50.680 --> 0:03:52.760
<v Speaker 3>Don't use the hashtag brown ambition in vain.

0:03:53.560 --> 0:03:56.880
<v Speaker 1>Yeah. So on Twitter and Instagram, those are two mains

0:03:56.960 --> 0:03:59.160
<v Speaker 1>right now. So Instagram you can comment under one of

0:03:59.200 --> 0:04:03.320
<v Speaker 1>our posts, and on Twitter, definitely tag us and use

0:04:03.360 --> 0:04:05.400
<v Speaker 1>the hashtag brown ambition so we can find you.

0:04:05.760 --> 0:04:07.840
<v Speaker 3>Some people send us news stories that they think would

0:04:07.840 --> 0:04:09.560
<v Speaker 3>be good for a bron booster or brown break. I

0:04:09.600 --> 0:04:11.720
<v Speaker 3>love it you can. Yeah, so if you use the

0:04:11.720 --> 0:04:14.000
<v Speaker 3>hashtag brown ambition every week, I'll be looking for that

0:04:14.040 --> 0:04:15.800
<v Speaker 3>on Twitter and on Instagram. So if you want to

0:04:15.840 --> 0:04:18.280
<v Speaker 3>share a story, or if you want to say, hey,

0:04:18.520 --> 0:04:21.599
<v Speaker 3>I was really brown ambition this week because I got

0:04:21.720 --> 0:04:23.960
<v Speaker 3>a's on my exams, or I just got you know,

0:04:24.000 --> 0:04:26.080
<v Speaker 3>a huge scholarship to go to college, or I just

0:04:26.080 --> 0:04:28.240
<v Speaker 3>paid off a credit card, like those are the stories

0:04:28.240 --> 0:04:31.000
<v Speaker 3>that we love. Please please please share, and of course

0:04:31.040 --> 0:04:35.080
<v Speaker 3>comment and and just communicate because this feels like I mean,

0:04:35.120 --> 0:04:37.000
<v Speaker 3>I can't tell you how many emails we get from

0:04:37.000 --> 0:04:38.800
<v Speaker 3>people who were like, I feel like I have a friend.

0:04:38.800 --> 0:04:42.400
<v Speaker 3>I feel like I have sisters Mandy and Tiffany, but

0:04:42.440 --> 0:04:43.560
<v Speaker 3>we want to hear from you.

0:04:43.560 --> 0:04:43.800
<v Speaker 2>You know.

0:04:43.880 --> 0:04:46.520
<v Speaker 3>It's it's meant to be a conversation that includes you, guys,

0:04:46.520 --> 0:04:50.120
<v Speaker 3>So definitely look out for your comments on social.

0:04:50.560 --> 0:04:51.920
<v Speaker 2>Yeah, exactly.

0:04:52.240 --> 0:04:54.280
<v Speaker 3>Just don't snapchat me because I don't do that anymore.

0:04:54.600 --> 0:04:56.800
<v Speaker 2>Yeah, nobody doesn't, no, you know.

0:04:56.920 --> 0:05:00.160
<v Speaker 1>Addly enough, like Snapchat is still like the number two

0:05:00.720 --> 0:05:05.160
<v Speaker 1>most popular downloaded app on Apple, so I mean someone's

0:05:05.160 --> 0:05:12.640
<v Speaker 1>downloading these five year olds. So I was gonna, babe

0:05:12.640 --> 0:05:14.360
<v Speaker 1>say this from Brown Booster break, but I think I'll

0:05:14.400 --> 0:05:18.600
<v Speaker 1>just share. I got somebody fired, and I feel mixed,

0:05:18.760 --> 0:05:22.200
<v Speaker 1>mostly happy but sad because you never want anyone to.

0:05:22.200 --> 0:05:24.760
<v Speaker 2>Be fired, but ye and I never.

0:05:25.440 --> 0:05:27.640
<v Speaker 1>Yeah, I mean, well here's the once I tell you,

0:05:27.640 --> 0:05:30.280
<v Speaker 1>you're gonna be like, oh, she needs to go. I

0:05:30.400 --> 0:05:33.120
<v Speaker 1>was talking to my CFO on Mondays. We have our

0:05:33.160 --> 0:05:39.000
<v Speaker 1>team meetings and my sister's kids there three and one,

0:05:39.839 --> 0:05:43.440
<v Speaker 1>and you can watch them at daycare at this website

0:05:43.440 --> 0:05:45.640
<v Speaker 1>called watch Me Grow. So it's just basically cameras in

0:05:45.680 --> 0:05:48.839
<v Speaker 1>every room. And so I was watching and it was

0:05:48.920 --> 0:05:50.760
<v Speaker 1>naptime and I'm watching in my nephew's room.

0:05:50.800 --> 0:05:51.400
<v Speaker 2>He's asleep.

0:05:51.520 --> 0:05:53.560
<v Speaker 1>But there's like a young teacher I want to say,

0:05:53.560 --> 0:05:57.040
<v Speaker 1>she's in her twenties and the kids like I remember

0:05:57.080 --> 0:05:59.039
<v Speaker 1>these days because I used to be that teacher in

0:05:59.040 --> 0:06:01.159
<v Speaker 1>the classroom, like cleaning up while the kids are on

0:06:01.200 --> 0:06:02.840
<v Speaker 1>their cot, supposed to be sleeping.

0:06:02.480 --> 0:06:04.480
<v Speaker 2>But they're not. So the kids are a little restless.

0:06:04.480 --> 0:06:06.400
<v Speaker 1>Some of them are like taking off their shoes, and

0:06:06.440 --> 0:06:08.320
<v Speaker 1>this one is sitting up and this one's moving around.

0:06:08.800 --> 0:06:10.559
<v Speaker 2>So she's a little rough with them. I noticed.

0:06:10.640 --> 0:06:12.800
<v Speaker 1>I'm like, ugh, so I'm talking about see a phone.

0:06:12.800 --> 0:06:15.200
<v Speaker 1>I'm like, hold on, girl, something's happening in the classroom.

0:06:15.200 --> 0:06:17.520
<v Speaker 1>She grabs one kid and kind of like like you know,

0:06:17.680 --> 0:06:19.839
<v Speaker 1>like roughly puts him back on the cot, and I'm like, oh,

0:06:20.040 --> 0:06:22.440
<v Speaker 1>that seems a little excessive, and does it to another.

0:06:22.560 --> 0:06:24.520
<v Speaker 1>And it was clear that she was kind of like

0:06:24.760 --> 0:06:26.400
<v Speaker 1>whisper yelling at them, you know how you could see

0:06:26.400 --> 0:06:29.560
<v Speaker 1>people's mannerisms. And he threw this took this blake off

0:06:29.560 --> 0:06:32.000
<v Speaker 1>this little girl, pulled it roughly because she wasn't laying down,

0:06:32.400 --> 0:06:33.640
<v Speaker 1>threw it on top of her and gave her a

0:06:33.680 --> 0:06:34.960
<v Speaker 1>little pop on the behind, and.

0:06:34.880 --> 0:06:36.960
<v Speaker 2>I said, oh my goodness, did she just hit this

0:06:37.000 --> 0:06:37.440
<v Speaker 2>little girl?

0:06:37.480 --> 0:06:41.040
<v Speaker 1>It wasn't hard, but still I was like, uh, and

0:06:41.080 --> 0:06:43.560
<v Speaker 1>what took The cake boy was like not laying down,

0:06:43.560 --> 0:06:45.840
<v Speaker 1>and she kind of pushed his head down and then

0:06:45.960 --> 0:06:46.560
<v Speaker 1>pulled his.

0:06:46.560 --> 0:06:49.640
<v Speaker 2>Ear, you know how like you seem like the old little.

0:06:49.279 --> 0:06:51.400
<v Speaker 1>Italian lady, like pulling your ear back and forth, like

0:06:51.440 --> 0:06:52.640
<v Speaker 1>what are you doing? But I'm like, this is not

0:06:52.720 --> 0:06:56.039
<v Speaker 1>your child, and he's too and you're pulling his ear.

0:06:56.160 --> 0:06:59.000
<v Speaker 1>I was like I I quickly got off the phone.

0:06:59.000 --> 0:07:02.040
<v Speaker 1>I called my sister and I told her and she

0:07:02.120 --> 0:07:05.240
<v Speaker 1>was like what And she said, you know, she's a

0:07:05.279 --> 0:07:07.599
<v Speaker 1>little aggressive with the kids. And I told them, and

0:07:07.640 --> 0:07:10.720
<v Speaker 1>they make nothing but excuses for her. But I've never

0:07:10.800 --> 0:07:15.280
<v Speaker 1>seen her like do anything. It's always been just like, huh,

0:07:15.480 --> 0:07:17.280
<v Speaker 1>you know, you pulled them a little too quickly, or

0:07:17.400 --> 0:07:20.200
<v Speaker 1>just you know, like she's never seen anything like this before.

0:07:20.560 --> 0:07:24.360
<v Speaker 1>So I called the center myself, so as I'm on

0:07:24.400 --> 0:07:27.520
<v Speaker 1>the phone with her, we both watched and she did

0:07:27.520 --> 0:07:30.160
<v Speaker 1>something that was slightly in appropriate. And then she rewinds

0:07:30.160 --> 0:07:31.400
<v Speaker 1>the tape as I'm on the phone with her and

0:07:31.440 --> 0:07:32.600
<v Speaker 1>she's watching, like, oh my good.

0:07:33.080 --> 0:07:35.720
<v Speaker 2>She's like, I'm gonna call you right back. So I

0:07:35.720 --> 0:07:37.160
<v Speaker 2>guess she must have jumped off the.

0:07:37.040 --> 0:07:39.960
<v Speaker 1>Phone because then went over there because they're only down

0:07:39.960 --> 0:07:42.400
<v Speaker 1>the street from each other. The two centers went down there,

0:07:42.760 --> 0:07:44.080
<v Speaker 1>and I guess they pulled her to the side and

0:07:44.200 --> 0:07:47.400
<v Speaker 1>let her go. So, you know, you never want to

0:07:47.400 --> 0:07:52.160
<v Speaker 1>get anybody fired, but you can't beat on people's kids.

0:07:52.200 --> 0:07:54.920
<v Speaker 3>You know, they knew she knew she was on camera, right.

0:07:55.080 --> 0:07:56.600
<v Speaker 2>Yeah, I don't even know what she was thinking.

0:07:57.000 --> 0:07:59.000
<v Speaker 3>Wow, that no one's probably watching.

0:08:00.160 --> 0:08:02.320
<v Speaker 1>Yeah, And I think truth of the matter is because

0:08:02.320 --> 0:08:03.880
<v Speaker 1>I told my sister when she went to go pick

0:08:03.920 --> 0:08:05.720
<v Speaker 1>up the kids what happened. She's like, they just did

0:08:05.720 --> 0:08:07.440
<v Speaker 1>like a general announcement like such a such, just not

0:08:07.440 --> 0:08:09.440
<v Speaker 1>with this anymore. Her way of doing things were not

0:08:09.480 --> 0:08:13.960
<v Speaker 1>aligned with the center. So I don't think. I don't honestly,

0:08:14.000 --> 0:08:16.000
<v Speaker 1>I really think the majority of parents were not are

0:08:16.040 --> 0:08:18.520
<v Speaker 1>just they just don't watch. But I watch, you know,

0:08:18.760 --> 0:08:20.880
<v Speaker 1>like as I'm kind of chilling by the computer, if

0:08:20.920 --> 0:08:22.960
<v Speaker 1>I'm like doing work, I'll just peek in because honestly,

0:08:23.000 --> 0:08:25.360
<v Speaker 1>I'm not watching to peek in on the teachers. Quite honestly,

0:08:25.400 --> 0:08:26.720
<v Speaker 1>I don't get to see my niece and my nephew

0:08:26.760 --> 0:08:27.840
<v Speaker 1>as much as that possible.

0:08:27.880 --> 0:08:30.440
<v Speaker 2>So I just watched for stalkers reasons like oh.

0:08:31.000 --> 0:08:32.400
<v Speaker 1>Just to kind of see my niece and my nephews

0:08:32.400 --> 0:08:34.080
<v Speaker 1>and say I don't see them as often. But I

0:08:34.120 --> 0:08:36.760
<v Speaker 1>was horrified, Like I said, she didn't, she didn't, you know,

0:08:36.800 --> 0:08:38.640
<v Speaker 1>do anything to him. But I thought to myself, you know,

0:08:38.679 --> 0:08:40.400
<v Speaker 1>if you'll do this to one kid, you'll do it

0:08:40.400 --> 0:08:41.160
<v Speaker 1>to another, you know.

0:08:41.400 --> 0:08:45.520
<v Speaker 3>M And with as much as childcare costs, like as

0:08:45.600 --> 0:08:48.160
<v Speaker 3>much as like daycare costs, I would be watching and

0:08:48.280 --> 0:08:50.439
<v Speaker 3>expect like, you're not going to hit my kid when

0:08:50.440 --> 0:08:52.439
<v Speaker 3>I'm picking like thousands of dollars.

0:08:52.400 --> 0:08:54.800
<v Speaker 1>Yes, when I tell you, like at one point, her

0:08:54.880 --> 0:08:57.600
<v Speaker 1>daycare bill was like something like twenty one hundred dollars

0:08:57.559 --> 0:08:58.040
<v Speaker 1>a months.

0:08:57.880 --> 0:08:59.719
<v Speaker 2>For both of them. Can you want to see one?

0:09:00.640 --> 0:09:03.720
<v Speaker 1>I was just like, uh, and you're gonna be inappropriate

0:09:03.760 --> 0:09:05.000
<v Speaker 1>with my kid, I don't think.

0:09:04.880 --> 0:09:04.960
<v Speaker 2>So.

0:09:20.160 --> 0:09:24.000
<v Speaker 3>Let us boost and break. Yes, if you don't mind,

0:09:24.120 --> 0:09:26.600
<v Speaker 3>I have a boost this week. Okay did you say

0:09:26.640 --> 0:09:27.199
<v Speaker 3>you do mind?

0:09:27.559 --> 0:09:27.719
<v Speaker 2>No?

0:09:27.720 --> 0:09:29.680
<v Speaker 3>No, I don't mind, okay, because I wasn't gonna care

0:09:29.720 --> 0:09:33.400
<v Speaker 3>if you mind it. So I got a boost real quick.

0:09:33.559 --> 0:09:36.440
<v Speaker 3>I am just I know I am late to the party.

0:09:36.720 --> 0:09:39.199
<v Speaker 3>This is some granola crunchy stuff. But you're vegans that

0:09:39.240 --> 0:09:42.760
<v Speaker 3>you can't talk. So I am late to the compost party.

0:09:42.960 --> 0:09:47.640
<v Speaker 3>But I love. I freaking love composting, like when you yes,

0:09:47.960 --> 0:09:51.040
<v Speaker 3>I am like a convert. I've been wanting to. I

0:09:51.080 --> 0:09:53.199
<v Speaker 3>know in New York City they had they were starting

0:09:53.240 --> 0:09:55.760
<v Speaker 3>to do like some composting programs. I think in Brooklyn,

0:09:55.840 --> 0:09:58.240
<v Speaker 3>of course, but I never made my way to like

0:09:58.400 --> 0:10:01.160
<v Speaker 3>all the composting programs. You're where I lived in Queens

0:10:01.200 --> 0:10:03.520
<v Speaker 3>or then in Jersey where I was last year. You

0:10:03.559 --> 0:10:05.640
<v Speaker 3>had to like collect your stuff and then bring it

0:10:05.679 --> 0:10:08.079
<v Speaker 3>to the food market, which was you know you had

0:10:08.120 --> 0:10:09.480
<v Speaker 3>if you did. We didn't have a car, so we

0:10:09.520 --> 0:10:12.760
<v Speaker 3>had to like carry a bag of food trash basically,

0:10:12.800 --> 0:10:14.959
<v Speaker 3>you know, several blocks if not take a subway to

0:10:15.040 --> 0:10:17.439
<v Speaker 3>drop our food off. It was never convenient. But now

0:10:17.440 --> 0:10:19.640
<v Speaker 3>that we moved to the Burbs, so my town just

0:10:19.720 --> 0:10:24.280
<v Speaker 3>this past winter launched their food compost program and for

0:10:24.360 --> 0:10:26.080
<v Speaker 3>twenty dollars. You go to the town, and I think

0:10:26.120 --> 0:10:28.240
<v Speaker 3>a lot of towns do this now. You go to

0:10:28.240 --> 0:10:30.360
<v Speaker 3>the town the nature center or whatever, and they give

0:10:30.400 --> 0:10:33.319
<v Speaker 3>you a little food pail that you put on your countertop,

0:10:33.400 --> 0:10:35.720
<v Speaker 3>and you collect your food scraps during the week. And

0:10:35.800 --> 0:10:37.960
<v Speaker 3>then I'm listening to myself saying, I know I sound

0:10:38.000 --> 0:10:39.040
<v Speaker 3>so crunchy, but I don't care.

0:10:39.080 --> 0:10:39.720
<v Speaker 2>It's amazing.

0:10:40.000 --> 0:10:41.920
<v Speaker 3>I'm like, oh, and then you collect your food scraps.

0:10:42.440 --> 0:10:44.160
<v Speaker 3>So you put your food scraps in the little food

0:10:44.160 --> 0:10:47.079
<v Speaker 3>pail on your countertop, but don't worry about it's smelling.

0:10:47.120 --> 0:10:49.000
<v Speaker 3>In fact, the reason I love it so much is

0:10:49.040 --> 0:10:51.120
<v Speaker 3>because we used to always have a smelly trash can.

0:10:51.200 --> 0:10:52.920
<v Speaker 3>No matter what you did, you put it under the sink,

0:10:52.960 --> 0:10:54.800
<v Speaker 3>you put a lid on it, whatever if you like.

0:10:54.840 --> 0:10:57.280
<v Speaker 3>It would take us a while to fill the trash can,

0:10:57.679 --> 0:10:59.720
<v Speaker 3>and you put you make a salad, you put your

0:10:59.760 --> 0:11:01.840
<v Speaker 3>scrap in there, and then two days later your house

0:11:01.880 --> 0:11:05.720
<v Speaker 3>is funky. So this way the food pail, it seals.

0:11:06.080 --> 0:11:09.199
<v Speaker 3>It's like air tight, so the fumes stay in the

0:11:09.280 --> 0:11:11.440
<v Speaker 3>pail as long as it's closed. So you just put

0:11:11.440 --> 0:11:13.760
<v Speaker 3>your scraps in there during the week, and then slowly

0:11:14.200 --> 0:11:16.640
<v Speaker 3>you fill up one little pail and then you close

0:11:16.720 --> 0:11:19.480
<v Speaker 3>the bag and you put it into a slightly larger

0:11:20.400 --> 0:11:22.679
<v Speaker 3>pail that they also give you for that twenty dollars.

0:11:23.000 --> 0:11:25.160
<v Speaker 3>And then when you're done, you just drop it off

0:11:25.240 --> 0:11:27.560
<v Speaker 3>at the compost facility like whenever. I don't know, we

0:11:27.559 --> 0:11:30.360
<v Speaker 3>did it like once a week and the the like

0:11:30.520 --> 0:11:34.960
<v Speaker 3>I we create such little trash. Now it's amazing. Our

0:11:35.040 --> 0:11:38.360
<v Speaker 3>recycling bin is packed, the compost bin is full. But

0:11:38.400 --> 0:11:41.200
<v Speaker 3>the actual we have one sad little trash bag in

0:11:41.200 --> 0:11:43.000
<v Speaker 3>our trash can this week. And I just felt really

0:11:43.040 --> 0:11:43.880
<v Speaker 3>good about myself.

0:11:44.559 --> 0:11:44.959
<v Speaker 2>That's good.

0:11:45.000 --> 0:11:48.680
<v Speaker 1>Look at you lowering your carbon finger No, what is

0:11:48.720 --> 0:11:49.559
<v Speaker 1>it carbon footprint?

0:11:49.679 --> 0:11:50.239
<v Speaker 3>Fingerprint?

0:11:51.720 --> 0:11:54.200
<v Speaker 1>Yeah, I was trying to be up on the hip

0:11:54.360 --> 0:11:57.000
<v Speaker 1>food the hip like lingo of like you know, of

0:11:57.040 --> 0:11:59.400
<v Speaker 1>the vegan. So when we were kids, we used to

0:11:59.480 --> 0:12:01.920
<v Speaker 1>compost the little because my dad always kept the garden.

0:12:01.960 --> 0:12:04.200
<v Speaker 1>So we would save our vegetable and fruit scraps and

0:12:04.200 --> 0:12:06.440
<v Speaker 1>like throw it in this like pile in the backyard

0:12:06.480 --> 0:12:09.079
<v Speaker 1>and he would use it to like you know, fertilize

0:12:09.080 --> 0:12:10.439
<v Speaker 1>the fruits and vegetables.

0:12:10.480 --> 0:12:12.200
<v Speaker 3>Oh I can't do that, man. I saw a possum

0:12:12.240 --> 0:12:13.400
<v Speaker 3>troll in the streets last week.

0:12:13.480 --> 0:12:16.000
<v Speaker 2>Yeah, oh yeah, oh yeah, Now you have to.

0:12:16.040 --> 0:12:18.760
<v Speaker 3>Keep that food pill in the house. Listen. I found

0:12:18.760 --> 0:12:20.600
<v Speaker 3>a bunny rabbit in my thought. I saw a beaver

0:12:20.760 --> 0:12:23.959
<v Speaker 3>last week. The amount of wildlife is a little overwhelming.

0:12:25.000 --> 0:12:28.080
<v Speaker 1>Beaver, a bundy, a baby beaver, a deer, then you

0:12:28.160 --> 0:12:29.440
<v Speaker 1>just get deer in fox too.

0:12:29.880 --> 0:12:32.320
<v Speaker 3>Who I could use a fox. There's also coyotes roaming

0:12:32.600 --> 0:12:36.679
<v Speaker 3>my county. Now. One coyote attacked a little girl had

0:12:36.679 --> 0:12:39.280
<v Speaker 3>a playground. Y'all think I have never been more afraid

0:12:39.920 --> 0:12:42.199
<v Speaker 3>than I am as a homeowner. Can never I never

0:12:42.240 --> 0:12:45.400
<v Speaker 3>really feared anything living in an apartment in New York City,

0:12:45.679 --> 0:12:48.079
<v Speaker 3>Jersey Queens wherever. My parents were always worried about. You,

0:12:48.280 --> 0:12:50.160
<v Speaker 3>Like this is I feel safe all the time. I

0:12:50.160 --> 0:12:53.000
<v Speaker 3>could be out late, take the subway home. There's still

0:12:53.000 --> 0:12:55.840
<v Speaker 3>be people out and about. It is creepy. As a

0:12:55.880 --> 0:12:59.840
<v Speaker 3>mother in the suburbs, it is quiet, everyone is inside. Yeah,

0:13:00.240 --> 0:13:02.160
<v Speaker 3>you feel like no one could hear you scream. And

0:13:02.200 --> 0:13:04.840
<v Speaker 3>if someone if, like a coyote attacked me, what am

0:13:04.880 --> 0:13:08.600
<v Speaker 3>I going to do about it? Like there's no it's

0:13:08.640 --> 0:13:11.320
<v Speaker 3>so scary, Like I'm turning into a big baby. This

0:13:11.400 --> 0:13:14.040
<v Speaker 3>brown boost, this brown boos is turning into a break

0:13:14.400 --> 0:13:16.800
<v Speaker 3>for being alone in a house by yourself, which I,

0:13:17.160 --> 0:13:19.280
<v Speaker 3>an adult woman in her thirties, just can't do.

0:13:19.360 --> 0:13:24.520
<v Speaker 1>Apparently, Oh yeah, I see, I've done both. I've lived

0:13:24.520 --> 0:13:26.720
<v Speaker 1>in the city, well not super city like you. I

0:13:26.720 --> 0:13:29.319
<v Speaker 1>feel like Newark is not it's city, but it's not

0:13:29.400 --> 0:13:31.960
<v Speaker 1>like super city. And then but I've mostly lived in

0:13:31.960 --> 0:13:33.719
<v Speaker 1>the suburbs as a kid, so like I'm used to

0:13:33.800 --> 0:13:36.920
<v Speaker 1>all the like, oh, look there's a deer and there's

0:13:36.920 --> 0:13:40.080
<v Speaker 1>a you know, I don't know, beaver and whatever, so.

0:13:43.040 --> 0:13:44.480
<v Speaker 2>Yeah, you know what it is.

0:13:44.559 --> 0:13:46.560
<v Speaker 1>My dad is traditional African man, so he's like, go

0:13:46.640 --> 0:13:48.120
<v Speaker 1>get go, get my pitchfork.

0:13:48.160 --> 0:13:51.720
<v Speaker 2>I'm like, what I can remember.

0:13:52.000 --> 0:13:53.440
<v Speaker 1>I don't know what kind of animal it was, but

0:13:53.480 --> 0:13:56.480
<v Speaker 1>it was like in our garage, like making thrashing about,

0:13:56.520 --> 0:13:57.760
<v Speaker 1>and my dad was like, can my pitchpork?

0:13:58.160 --> 0:14:00.920
<v Speaker 2>I don't know what happened. I was like, Daddy, let's

0:14:00.920 --> 0:14:01.840
<v Speaker 2>just call it animal control.

0:14:02.080 --> 0:14:04.840
<v Speaker 4>You are not, like, are you crazy? You're gonna battle

0:14:04.840 --> 0:14:06.719
<v Speaker 4>of that one with whatever this thing is.

0:14:06.880 --> 0:14:10.680
<v Speaker 2>Now. He came back, breathing heavy. I said, what happened?

0:14:10.960 --> 0:14:14.480
<v Speaker 1>He was like, I got it into the corner and

0:14:14.600 --> 0:14:16.880
<v Speaker 1>I had my pitchfork raise and then I looked at

0:14:16.880 --> 0:14:19.320
<v Speaker 1>its beautiful brown eyes and it looked so sad and scared.

0:14:19.600 --> 0:14:21.080
<v Speaker 2>So I opened the garage door and let it go.

0:14:21.400 --> 0:14:22.960
<v Speaker 2>It was like daddy transition.

0:14:23.240 --> 0:14:24.280
<v Speaker 3>It was too fast for me, and.

0:14:27.200 --> 0:14:33.200
<v Speaker 2>That's the man's planning for Oh that is hilarious.

0:14:33.240 --> 0:14:36.160
<v Speaker 1>But yeah, I'm gonna yeah, Okay, So I'm gonna brown

0:14:36.160 --> 0:14:38.240
<v Speaker 1>break and just a quick brown break because I posted

0:14:38.240 --> 0:14:39.520
<v Speaker 1>this on my ig stories.

0:14:39.760 --> 0:14:40.880
<v Speaker 2>I'm brown breaking from.

0:14:42.040 --> 0:14:43.760
<v Speaker 1>My mentee reached out to me because she had spent

0:14:43.840 --> 0:14:46.560
<v Speaker 1>like a lot of money to learn how to grow

0:14:46.600 --> 0:14:48.640
<v Speaker 1>a business from, like, you know, everybody now is like

0:14:48.680 --> 0:14:52.800
<v Speaker 1>a business culture consultant, and a lot of these are millennial,

0:14:52.800 --> 0:14:54.680
<v Speaker 1>you know, there's most of them are like millennial ass

0:14:54.680 --> 0:14:56.720
<v Speaker 1>which is no shame shade to millennials, but like just

0:14:56.800 --> 0:14:57.600
<v Speaker 1>young people, you know.

0:14:58.040 --> 0:15:01.040
<v Speaker 2>And so she was attracted to this because she was like.

0:15:01.000 --> 0:15:03.480
<v Speaker 1>Oh, they're young, I'm young. They're going to teach me

0:15:03.480 --> 0:15:05.760
<v Speaker 1>how to grow business. She spent a couple thousand dollars

0:15:05.800 --> 0:15:08.920
<v Speaker 1>and she walked away feeling like I didn't really learn anything,

0:15:09.040 --> 0:15:11.640
<v Speaker 1>and so I'm gonna kind of brown break from. I

0:15:11.640 --> 0:15:14.440
<v Speaker 1>gave her some tips next time about investing in herself

0:15:14.480 --> 0:15:17.560
<v Speaker 1>that she should. There's nothing wrong with investing in yourself.

0:15:17.600 --> 0:15:20.480
<v Speaker 1>You obviously should. And so she never thought about it,

0:15:20.520 --> 0:15:23.400
<v Speaker 1>you know, like, oh, did this person ever grow business

0:15:23.440 --> 0:15:26.520
<v Speaker 1>outside of like them selling me this business class, and

0:15:26.520 --> 0:15:28.480
<v Speaker 1>they if you really kind of looked into this person's

0:15:29.760 --> 0:15:32.680
<v Speaker 1>social media whatever, that you don't see anything else other

0:15:32.800 --> 0:15:34.560
<v Speaker 1>than my business is to tell you how to have

0:15:34.600 --> 0:15:35.080
<v Speaker 1>a business.

0:15:35.560 --> 0:15:37.160
<v Speaker 2>And so I was like, that's a red flag.

0:15:37.200 --> 0:15:40.880
<v Speaker 1>And so I'm kind of brown breaking from that business model,

0:15:40.920 --> 0:15:43.920
<v Speaker 1>which is the business of teaching you how to have

0:15:43.960 --> 0:15:45.080
<v Speaker 1>a business, but not.

0:15:45.000 --> 0:15:47.320
<v Speaker 2>Having a business, not having a business myself.

0:15:47.680 --> 0:15:49.400
<v Speaker 1>And I felt bad because I could tell she was like,

0:15:49.480 --> 0:15:50.840
<v Speaker 1>cause she doesn't have a whole bunch of money, so

0:15:50.880 --> 0:15:52.880
<v Speaker 1>to spend two thousand dollars and it.

0:15:52.880 --> 0:15:55.880
<v Speaker 3>Was two thousand dollars.

0:15:54.960 --> 0:15:59.240
<v Speaker 2>The gall the unmitigating golfing, the actual f you know.

0:15:59.320 --> 0:16:01.080
<v Speaker 1>But I told her, you we all learned these lessons,

0:16:01.080 --> 0:16:03.160
<v Speaker 1>my mentee, we all learn these lessons. And it's a

0:16:03.160 --> 0:16:06.920
<v Speaker 1>hard lesson to learn. But knowing that when you're choosing

0:16:07.040 --> 0:16:11.960
<v Speaker 1>experts to listen to, to make sure that they've actually done

0:16:12.000 --> 0:16:14.200
<v Speaker 1>the thing that they're teaching you, not just teaching you

0:16:14.240 --> 0:16:16.000
<v Speaker 1>how to do the thing. I mean, I'm not trying to,

0:16:16.280 --> 0:16:20.360
<v Speaker 1>you know, stop anybody's hustle, but you know, you know,

0:16:20.440 --> 0:16:23.720
<v Speaker 1>it's just honestly, it's it's not very fair and it's

0:16:23.760 --> 0:16:25.520
<v Speaker 1>not right. Someone' was like well, what about you. You

0:16:25.520 --> 0:16:27.800
<v Speaker 1>taught about money before you have money. I'm like, no, no, no.

0:16:28.560 --> 0:16:30.760
<v Speaker 1>When I was broke, all I taught was how to

0:16:30.800 --> 0:16:33.640
<v Speaker 1>budget because I was the best broke budget and that's

0:16:33.680 --> 0:16:36.000
<v Speaker 1>literally what I taught. And then when I fixed my credit,

0:16:36.240 --> 0:16:38.280
<v Speaker 1>I taught how did I fix my credit? And then

0:16:38.280 --> 0:16:39.920
<v Speaker 1>when I got out of debt, I taught how did

0:16:39.960 --> 0:16:41.720
<v Speaker 1>I get out of debt. I always talk from a

0:16:41.720 --> 0:16:45.320
<v Speaker 1>place of I did this thing, It actually works, And let.

0:16:45.120 --> 0:16:47.840
<v Speaker 2>Me show you how if you.

0:16:47.160 --> 0:16:49.760
<v Speaker 1>You know, are looking for business advice, especially if you're

0:16:49.800 --> 0:16:53.400
<v Speaker 1>going to pay for it, to really you know, to

0:16:53.520 --> 0:16:55.600
<v Speaker 1>vet the person that you're paying to make sure that

0:16:55.720 --> 0:17:00.120
<v Speaker 1>they they really have an expertise in that topic, that

0:17:00.200 --> 0:17:03.120
<v Speaker 1>they have a business outside of teaching you how.

0:17:03.000 --> 0:17:03.800
<v Speaker 2>To have a business.

0:17:04.200 --> 0:17:05.919
<v Speaker 3>Can I add one thing because we got an email

0:17:05.960 --> 0:17:08.919
<v Speaker 3>from a listener named Carly. It's not a question, but

0:17:09.000 --> 0:17:11.600
<v Speaker 3>she just wanted to let us know about some scam. Essentially,

0:17:11.680 --> 0:17:14.879
<v Speaker 3>she you know these like group trips online, like retreats

0:17:14.960 --> 0:17:17.840
<v Speaker 3>or girl tribes. You know these these group travel trips.

0:17:17.840 --> 0:17:19.960
<v Speaker 3>We've talked about some of them before. Just to make

0:17:20.000 --> 0:17:22.760
<v Speaker 3>sure you vet those two because she got scammed out

0:17:22.760 --> 0:17:26.120
<v Speaker 3>of money. She basically paid for a costa Rica retreat

0:17:26.560 --> 0:17:29.480
<v Speaker 3>that she paid for in full before departure, and then

0:17:29.480 --> 0:17:32.320
<v Speaker 3>two days before they were supposed to leave, they canceled

0:17:32.320 --> 0:17:34.800
<v Speaker 3>the trip and the person who was running the trip

0:17:34.880 --> 0:17:37.879
<v Speaker 3>said that she was scammed and all this messiness happened

0:17:37.920 --> 0:17:41.480
<v Speaker 3>and they never received a refund. So just another example

0:17:41.640 --> 0:17:42.520
<v Speaker 3>that makes me so mad.

0:17:43.600 --> 0:17:45.919
<v Speaker 1>Yes, so I would say with those type of things,

0:17:46.480 --> 0:17:50.119
<v Speaker 1>if you could pay via PayPal, because PayPal typically sides

0:17:50.200 --> 0:17:51.679
<v Speaker 1>with the with the buyer.

0:17:52.200 --> 0:17:55.520
<v Speaker 3>Ah, that's that's true, and you're like your credit card. Yeah,

0:17:55.600 --> 0:17:59.119
<v Speaker 3>some credit cards have good liability, like if you have

0:17:59.240 --> 0:18:01.320
<v Speaker 3>a if you have a record to the transaction and

0:18:01.359 --> 0:18:03.040
<v Speaker 3>you tell your credit card company that you didn't get

0:18:03.040 --> 0:18:04.960
<v Speaker 3>what you were supposed to receive, you can file a

0:18:05.000 --> 0:18:08.359
<v Speaker 3>fraud alert and they will investigate and maybe refund you

0:18:08.400 --> 0:18:08.879
<v Speaker 3>the money.

0:18:09.160 --> 0:18:11.000
<v Speaker 1>If whenever I'm buying anything online, I really try to

0:18:11.080 --> 0:18:12.960
<v Speaker 1>use my credit card, or if I'm purchasing something, I

0:18:13.040 --> 0:18:15.000
<v Speaker 1>use PayPal. Even if they're like, oh, could you pay

0:18:15.000 --> 0:18:16.600
<v Speaker 1>this way, I'm like, can I do PayPal that way?

0:18:16.600 --> 0:18:18.359
<v Speaker 1>If I don't get it, I can say, hey, PayPal

0:18:18.400 --> 0:18:21.280
<v Speaker 1>didn't get it, because PayPal will while they're weight they'll

0:18:21.280 --> 0:18:23.040
<v Speaker 1>freeze so that person will not be able to pull

0:18:23.040 --> 0:18:24.840
<v Speaker 1>that and draw that money. They'll freeze it and they'll

0:18:24.840 --> 0:18:25.600
<v Speaker 1>pull it right back.

0:18:26.440 --> 0:18:28.840
<v Speaker 3>PayPal is one of the only like P two P

0:18:29.200 --> 0:18:32.560
<v Speaker 3>like payment services that actually cover covers you for that

0:18:32.600 --> 0:18:34.600
<v Speaker 3>kind of stuff, which everyone's finding out now. If you

0:18:34.720 --> 0:18:37.600
<v Speaker 3>use like zell or Venmo and you try and pay

0:18:37.640 --> 0:18:39.960
<v Speaker 3>for a service or like a product from someone else

0:18:39.960 --> 0:18:41.879
<v Speaker 3>and they try out to be a scammer, you're not covered.

0:18:42.320 --> 0:18:42.720
<v Speaker 2>Mm hmm.

0:18:43.040 --> 0:18:45.760
<v Speaker 3>Definitely make sure. That's a good tip. So credit cards

0:18:45.800 --> 0:18:47.120
<v Speaker 3>are use PayPal.

0:18:47.000 --> 0:19:07.640
<v Speaker 2>At a venimum exactly. Question time, Brian, do we get

0:19:07.640 --> 0:19:09.600
<v Speaker 2>any questions? Because I know last and we were a

0:19:09.600 --> 0:19:10.200
<v Speaker 2>little light.

0:19:10.320 --> 0:19:11.760
<v Speaker 3>Did we ever? We got some good We got a

0:19:11.760 --> 0:19:13.400
<v Speaker 3>good couple of good questions this week. Am I save

0:19:13.440 --> 0:19:16.200
<v Speaker 3>a couple for next week? Again? If you guys have questions,

0:19:16.280 --> 0:19:19.200
<v Speaker 3>hit us up at Brand Ambition Podcasts at gmail dot

0:19:19.240 --> 0:19:21.560
<v Speaker 3>com that I'll send us an email directly, or you

0:19:21.560 --> 0:19:23.840
<v Speaker 3>can go to our website. Yes, we have one Brand

0:19:23.840 --> 0:19:27.160
<v Speaker 3>Ambition podcast dot com and hit ask us anything. First

0:19:27.200 --> 0:19:30.520
<v Speaker 3>questions from listener Neka says, I love the podcast. I've

0:19:30.520 --> 0:19:33.679
<v Speaker 3>been following Tiffany the Budgetista for over a year and

0:19:33.720 --> 0:19:35.720
<v Speaker 3>then I saw a video a while back where she

0:19:35.760 --> 0:19:37.920
<v Speaker 3>said she has a podcast and now I love Mandy. Oh,

0:19:37.960 --> 0:19:41.439
<v Speaker 3>thank you girl. Her question is Necka's question is I

0:19:41.440 --> 0:19:44.520
<v Speaker 3>have credit card debt of twenty thousand dollars and student

0:19:44.600 --> 0:19:48.119
<v Speaker 3>loan debt of over two hundred thousand dollars. Which is

0:19:48.160 --> 0:19:50.440
<v Speaker 3>going I'm going to start the snowball method by paying

0:19:50.480 --> 0:19:53.359
<v Speaker 3>off the lowest balance on my credit card first. But

0:19:53.440 --> 0:19:56.719
<v Speaker 3>I'm wondering should I withdraw some money from my retirement

0:19:56.760 --> 0:19:59.080
<v Speaker 3>fund for my old job to help pay down the

0:19:59.119 --> 0:20:02.320
<v Speaker 3>debt or is that an I don't know touching retirement money.

0:20:02.560 --> 0:20:05.320
<v Speaker 3>I have six figure income as a health professional, but

0:20:05.400 --> 0:20:09.160
<v Speaker 3>with four young children and being the sole breadwinner, I

0:20:09.200 --> 0:20:12.320
<v Speaker 3>am really feeling like I'm affluent poor trying to get

0:20:12.359 --> 0:20:15.320
<v Speaker 3>out of an overwhelming situation and take some actionable steps.

0:20:16.080 --> 0:20:22.760
<v Speaker 3>Please help affluent poor. It's crazy when you can be

0:20:22.840 --> 0:20:24.560
<v Speaker 3>I mean, first of all, if you want to find

0:20:24.560 --> 0:20:27.320
<v Speaker 3>out how you can be six figures, earn six figures

0:20:27.320 --> 0:20:30.439
<v Speaker 3>and still feel broke have four kids, Okay, yes we

0:20:30.480 --> 0:20:31.960
<v Speaker 3>feel I mean, I don't feel you. I was one

0:20:31.960 --> 0:20:34.080
<v Speaker 3>of four children, so I was part of the problem.

0:20:34.200 --> 0:20:38.480
<v Speaker 3>But plus, if you need to do everything right, she's

0:20:38.520 --> 0:20:40.479
<v Speaker 3>a doctor, she's a healthcare professional. But when it got

0:20:40.480 --> 0:20:43.760
<v Speaker 3>a medical degree, that's easily a few hundred thousand dollars

0:20:43.840 --> 0:20:46.879
<v Speaker 3>in debt. So this is not an outrageous amount of

0:20:46.960 --> 0:20:50.919
<v Speaker 3>debt to have, but dipping into a retirement fund, Tiffany,

0:20:50.920 --> 0:20:51.679
<v Speaker 3>what are your thoughts on that?

0:20:53.200 --> 0:20:55.800
<v Speaker 1>So my knee jerk reaction is almost always don't do

0:20:55.920 --> 0:20:58.119
<v Speaker 1>it because one day your old lady self will need it.

0:20:58.200 --> 0:21:00.560
<v Speaker 1>But there are some instances where it's like if you're

0:21:00.600 --> 0:21:04.280
<v Speaker 1>really drowning, drowning and there's like no way out, sometimes

0:21:04.280 --> 0:21:04.920
<v Speaker 1>that's a way out.

0:21:05.520 --> 0:21:05.720
<v Speaker 2>You know.

0:21:06.119 --> 0:21:09.200
<v Speaker 1>Have you looked into the forgiveness program before they totally

0:21:09.280 --> 0:21:12.280
<v Speaker 1>take it away. I don't know where you work, but oftentimes,

0:21:12.320 --> 0:21:14.080
<v Speaker 1>you know, doctors, if you work at a specific type

0:21:14.080 --> 0:21:16.679
<v Speaker 1>of hospital that you might you might qualify for the

0:21:16.680 --> 0:21:21.359
<v Speaker 1>student loan forgiveness program, which would help tremendously, you know,

0:21:21.840 --> 0:21:24.360
<v Speaker 1>or you might be someone where it makes sense to say, well,

0:21:24.480 --> 0:21:26.600
<v Speaker 1>is there something I can do to qualify for the

0:21:26.600 --> 0:21:28.720
<v Speaker 1>forgiveness program? Is there a job that I can get

0:21:28.760 --> 0:21:31.119
<v Speaker 1>that would still pay me this basically the same amount

0:21:31.119 --> 0:21:31.480
<v Speaker 1>of money?

0:21:31.960 --> 0:21:33.880
<v Speaker 2>But because this is this hospital is a.

0:21:33.800 --> 0:21:36.840
<v Speaker 1>Nonprofit hospital or run by a nonprofit, then I can

0:21:36.920 --> 0:21:40.159
<v Speaker 1>I can qualify and get this loan forgiven, because that's

0:21:40.200 --> 0:21:42.000
<v Speaker 1>a lot of money. And to me, it would be

0:21:42.040 --> 0:21:45.199
<v Speaker 1>worth it to switch a job to qualify for the

0:21:45.240 --> 0:21:47.119
<v Speaker 1>forgiveness program if I was gonna make the same amount

0:21:47.160 --> 0:21:49.440
<v Speaker 1>of money to get two hundred thousand forgiven.

0:21:49.880 --> 0:21:50.720
<v Speaker 2>So consider that.

0:21:51.240 --> 0:21:54.399
<v Speaker 1>But what I don't want you to do is like

0:21:54.480 --> 0:21:57.840
<v Speaker 1>knee jerk reactions, say well, let me take this money

0:21:57.880 --> 0:22:00.199
<v Speaker 1>from this four to one k, because what if to yes,

0:22:00.440 --> 0:22:02.639
<v Speaker 1>now you are really in dire streets and then you

0:22:02.640 --> 0:22:06.200
<v Speaker 1>don't have that access. Start the snowball method, automate it

0:22:06.640 --> 0:22:09.480
<v Speaker 1>and truck along. And you know, I'm assuming you're going

0:22:09.480 --> 0:22:11.520
<v Speaker 1>to get raises, you know, typically at you know, at

0:22:11.600 --> 0:22:14.199
<v Speaker 1>least the rate of inflation every year, and you can

0:22:14.240 --> 0:22:17.760
<v Speaker 1>put those raises towards your debt and slowly but surely

0:22:17.760 --> 0:22:19.639
<v Speaker 1>work toward it without pulling from retirement.

0:22:20.520 --> 0:22:22.359
<v Speaker 3>I think she's right to focus on the credit card

0:22:22.440 --> 0:22:24.600
<v Speaker 3>debt first. She has about twenty thousand dollars in credit

0:22:24.600 --> 0:22:26.720
<v Speaker 3>card debt. I mean, if we're assuming it's about the

0:22:26.760 --> 0:22:31.280
<v Speaker 3>typical average APR that's you know, fifteen, maybe sixteen percent

0:22:31.400 --> 0:22:34.359
<v Speaker 3>or higher that that credit card debt's accruing at and

0:22:34.800 --> 0:22:38.800
<v Speaker 3>twenty thousand dollars can quickly become even more like every month,

0:22:38.840 --> 0:22:41.119
<v Speaker 3>you're just taking a percentage of that debt and adding

0:22:41.119 --> 0:22:43.560
<v Speaker 3>it to your debt balance. So focusing on that is

0:22:43.600 --> 0:22:45.880
<v Speaker 3>good first. What I would say, so, let's say, worst

0:22:45.880 --> 0:22:49.600
<v Speaker 3>case scenario, she can't qualify for any loan forgiveness programs.

0:22:49.760 --> 0:22:51.320
<v Speaker 3>You know, even if she did, it's not like a

0:22:51.359 --> 0:22:55.399
<v Speaker 3>quick fix. Have you looked into refinancing. I'm assuming if

0:22:55.440 --> 0:22:57.280
<v Speaker 3>you go to medical school, you probably have some private

0:22:57.359 --> 0:23:01.240
<v Speaker 3>loan debt and some federal student loan debt. Consider refinancing

0:23:01.240 --> 0:23:05.240
<v Speaker 3>your debt with a lender. There's multiple private lenders out

0:23:05.240 --> 0:23:08.120
<v Speaker 3>there that will refinance your debt. You can. I'll put

0:23:08.119 --> 0:23:10.120
<v Speaker 3>a list. I'll send you a list at Magnifying Money.

0:23:10.119 --> 0:23:11.760
<v Speaker 3>We've done a roundup. I don't want to refer you

0:23:11.800 --> 0:23:14.399
<v Speaker 3>to any one particular lender because they all offer different

0:23:15.359 --> 0:23:17.840
<v Speaker 3>rates and terms. It's really about choosing the lender that

0:23:17.880 --> 0:23:21.680
<v Speaker 3>gives you the best rate, gives you the best terms

0:23:21.760 --> 0:23:24.720
<v Speaker 3>for a student loan refinance. But if you were to refinance,

0:23:24.760 --> 0:23:27.680
<v Speaker 3>they would basically pay off your existing loans and then

0:23:27.960 --> 0:23:30.399
<v Speaker 3>you would have one loan payment with them and you

0:23:30.440 --> 0:23:34.320
<v Speaker 3>would have one new hopefully lower interest rate, which can

0:23:34.480 --> 0:23:36.880
<v Speaker 3>potentially give you more time to pay off your loan.

0:23:36.960 --> 0:23:39.320
<v Speaker 3>It can make the payments more manageable so that you

0:23:39.320 --> 0:23:41.280
<v Speaker 3>can throw as much as you can toward your credit

0:23:41.320 --> 0:23:43.480
<v Speaker 3>card debt and get that paid off first.

0:23:43.560 --> 0:23:45.479
<v Speaker 1>The good thing is, you know you make good money.

0:23:45.680 --> 0:23:49.240
<v Speaker 1>But also the good thing is you have for beautiful children.

0:23:49.320 --> 0:23:52.160
<v Speaker 1>But the bad thing is your for beautiful children are expensive.

0:23:52.359 --> 0:23:55.679
<v Speaker 1>So but you won't always have this debt, and so

0:23:55.720 --> 0:23:57.960
<v Speaker 1>you'll be able to feel the affluent part and not

0:23:58.080 --> 0:24:00.000
<v Speaker 1>so much the four poor part as you continue to

0:24:00.040 --> 0:24:00.680
<v Speaker 1>pay off the debt.

0:24:01.200 --> 0:24:03.840
<v Speaker 3>I hope your kids are really really rich one day. Yes,

0:24:04.880 --> 0:24:06.880
<v Speaker 3>but that's not a good investment plan. Don't do that.

0:24:06.960 --> 0:24:12.200
<v Speaker 3>It's okay. Let's take one more quick question from listener Antonia.

0:24:13.280 --> 0:24:15.199
<v Speaker 3>And Tonia has a quick question. She wants to know

0:24:15.240 --> 0:24:18.639
<v Speaker 3>what's the difference between opening an IRA through your bank

0:24:18.840 --> 0:24:22.960
<v Speaker 3>versus going with a robo investment company like Betterment thanks

0:24:22.960 --> 0:24:23.520
<v Speaker 3>above the show.

0:24:24.800 --> 0:24:29.560
<v Speaker 1>Yes, well it's I've never opened a Betterment, but I'm

0:24:29.560 --> 0:24:32.000
<v Speaker 1>assuming those were investing companies. Don't you kind of fill

0:24:32.000 --> 0:24:34.280
<v Speaker 1>out a profile and they pick for you exactly.

0:24:34.440 --> 0:24:36.760
<v Speaker 3>Actually, this is a good question for me because Antonia

0:24:36.800 --> 0:24:38.960
<v Speaker 3>I had had the exact same question. I'm trying to

0:24:39.000 --> 0:24:41.080
<v Speaker 3>start an investment account. I've I've been saying I'm going

0:24:41.160 --> 0:24:42.639
<v Speaker 3>to do it for a while, just outside of my

0:24:43.200 --> 0:24:45.159
<v Speaker 3>four to one K, so I can start investing for

0:24:45.240 --> 0:24:47.439
<v Speaker 3>wealth on the side. And I'm wondering should I go

0:24:47.480 --> 0:24:51.439
<v Speaker 3>with Betterment or these other robo advisors like Acorns or

0:24:52.359 --> 0:24:54.480
<v Speaker 3>wealth Front. And basically what they do is you fill

0:24:54.480 --> 0:24:57.840
<v Speaker 3>out a profile. They kind of determine what your risk,

0:24:58.640 --> 0:25:01.520
<v Speaker 3>what your risk tolerance is, and how aggressive you want

0:25:01.520 --> 0:25:03.639
<v Speaker 3>to be as an investor, and then they kind of

0:25:03.640 --> 0:25:06.560
<v Speaker 3>put you into different mutual funds and it's it's a

0:25:06.560 --> 0:25:08.840
<v Speaker 3>smart way to invest because they're kind of taking the

0:25:08.920 --> 0:25:10.800
<v Speaker 3>human error out of the equation. And if you're do

0:25:10.920 --> 0:25:13.480
<v Speaker 3>it investing, it can be really good because you don't

0:25:13.520 --> 0:25:15.840
<v Speaker 3>want to spend a lot of time picking and choosing investments.

0:25:15.840 --> 0:25:17.840
<v Speaker 3>The important thing is you just want to start investing,

0:25:18.160 --> 0:25:19.880
<v Speaker 3>and they kind of just put you into some low

0:25:19.920 --> 0:25:22.920
<v Speaker 3>cost mutual funds right away and then do the work

0:25:22.960 --> 0:25:26.359
<v Speaker 3>for you. But because they're doing it via these algorithms,

0:25:26.600 --> 0:25:29.240
<v Speaker 3>they charge a lot lower fees than you would get

0:25:29.240 --> 0:25:32.000
<v Speaker 3>if you went to like a traditional bank invest or,

0:25:32.080 --> 0:25:34.919
<v Speaker 3>a traditional investment firm, and got you know, a human

0:25:35.040 --> 0:25:38.040
<v Speaker 3>investment manager to manage your stuff for you. So thus

0:25:38.040 --> 0:25:41.479
<v Speaker 3>the prose of betterment. If you're someone who wants to

0:25:41.600 --> 0:25:44.320
<v Speaker 3>if you really want to learn more about investments and

0:25:44.359 --> 0:25:46.479
<v Speaker 3>you want to you want to actually pick and choose

0:25:46.840 --> 0:25:49.520
<v Speaker 3>your individual mutual funds and have more of an active

0:25:49.560 --> 0:25:52.399
<v Speaker 3>approach to that than opening up an IRA through your

0:25:52.440 --> 0:25:55.720
<v Speaker 3>bank may work for you only if you know you're

0:25:55.720 --> 0:25:57.600
<v Speaker 3>willing to do that extra bit of work.

0:25:57.880 --> 0:25:59.960
<v Speaker 1>So I'll say that what I do like about, like

0:26:00.000 --> 0:26:02.200
<v Speaker 1>you said, the betterment, it's that that automation.

0:26:01.880 --> 0:26:04.200
<v Speaker 2>Piece, and you just have to be mindful of fees.

0:26:04.240 --> 0:26:06.960
<v Speaker 1>So the rule right is if you have like an

0:26:07.000 --> 0:26:10.480
<v Speaker 1>in person, real person that's managing you, really should not

0:26:10.520 --> 0:26:14.800
<v Speaker 1>pay more than one percent on the value of your

0:26:15.040 --> 0:26:16.720
<v Speaker 1>Like you have to ask, like, how are fees paid,

0:26:16.720 --> 0:26:19.080
<v Speaker 1>and they're like, oh, we charge one point five percent

0:26:19.160 --> 0:26:21.439
<v Speaker 1>too high. No more than one percent for a real person,

0:26:21.720 --> 0:26:24.760
<v Speaker 1>and no more than half a percent for a like

0:26:24.920 --> 0:26:25.960
<v Speaker 1>robo advisor.

0:26:26.720 --> 0:26:28.000
<v Speaker 2>These are people that you're not going to meet. This

0:26:28.080 --> 0:26:29.159
<v Speaker 2>is just like an algorithm.

0:26:29.440 --> 0:26:31.400
<v Speaker 1>So just keep that in mind as you know that

0:26:31.440 --> 0:26:35.200
<v Speaker 1>half a percent is significant. You know when it comes

0:26:35.200 --> 0:26:36.960
<v Speaker 1>down to how much money you'll have in the end.

0:26:37.160 --> 0:26:39.600
<v Speaker 1>So that's why a lot of people, especially millennials, are

0:26:39.640 --> 0:26:42.320
<v Speaker 1>really leading towards the robo advising because it's it's set

0:26:42.359 --> 0:26:44.199
<v Speaker 1>it and forget it, and it's much cheaper.

0:26:44.960 --> 0:26:46.560
<v Speaker 3>Yeah, I think the fees are better, man, They're like

0:26:46.640 --> 0:26:50.000
<v Speaker 3>less than half a percentage point, which is good, which

0:26:50.040 --> 0:26:52.760
<v Speaker 3>is good. You can get lower fees than that if

0:26:52.800 --> 0:26:54.840
<v Speaker 3>you put your own, if you go to Vanguard and

0:26:54.880 --> 0:26:57.680
<v Speaker 3>you put together like your little mutual funds, because most

0:26:57.720 --> 0:27:01.159
<v Speaker 3>mutual most mutual funds like a I'm invested. For example,

0:27:01.200 --> 0:27:03.560
<v Speaker 3>I kind of put together my own retirement, my four

0:27:03.600 --> 0:27:05.480
<v Speaker 3>to one K. What I did is I went to

0:27:05.520 --> 0:27:08.080
<v Speaker 3>my old four to one K target date fund that

0:27:08.160 --> 0:27:11.800
<v Speaker 3>I had through Vanguard. Target date fund is basically it's

0:27:12.280 --> 0:27:15.240
<v Speaker 3>put together based on your age and it automatically adjusts

0:27:15.240 --> 0:27:17.760
<v Speaker 3>your investments as you get older. And I've had I've

0:27:17.840 --> 0:27:20.359
<v Speaker 3>liked my target date fund, but my new company that

0:27:20.440 --> 0:27:23.480
<v Speaker 3>I recently joined doesn't offer the same target date fund,

0:27:23.520 --> 0:27:25.920
<v Speaker 3>so I kind of had to put together the exact

0:27:26.119 --> 0:27:27.960
<v Speaker 3>They did offer the pieces that I had in my

0:27:27.960 --> 0:27:30.000
<v Speaker 3>target date fund though, so I kind of put together

0:27:30.040 --> 0:27:33.440
<v Speaker 3>the same fund with my new employer, and I think

0:27:33.480 --> 0:27:38.159
<v Speaker 3>the total expense ratio, which is the annual cost of

0:27:38.240 --> 0:27:40.600
<v Speaker 3>managing that fund, is something like zero point one point

0:27:40.720 --> 0:27:43.919
<v Speaker 3>seven percent, which is great, which is amazing, you know,

0:27:43.960 --> 0:27:46.520
<v Speaker 3>and you can say that's less than half what Betterment's charging.

0:27:46.560 --> 0:27:48.400
<v Speaker 3>But I had to go in there, and I had

0:27:48.400 --> 0:27:50.000
<v Speaker 3>to know a little bit to be able to do that.

0:27:51.119 --> 0:27:53.439
<v Speaker 3>And I think if you're a beginning investor, I would.

0:27:53.880 --> 0:27:55.439
<v Speaker 3>I think that there's a lot to be said for

0:27:55.480 --> 0:27:58.760
<v Speaker 3>these rogo advisors because they kind of it's for me.

0:27:58.840 --> 0:28:02.400
<v Speaker 3>I'm all about, like, Okay, it's good to compare your options,

0:28:02.400 --> 0:28:04.679
<v Speaker 3>you know, compare the robot to the I ray and

0:28:04.720 --> 0:28:06.639
<v Speaker 3>the traditional and all that kind of stuff. But just

0:28:06.680 --> 0:28:09.600
<v Speaker 3>start investing. Yeh, don't get too caught up in it.

0:28:09.680 --> 0:28:11.960
<v Speaker 3>I mean you can't. I mean, I don't want to

0:28:12.000 --> 0:28:14.840
<v Speaker 3>say you can't go wrong. But with a betterment, with

0:28:15.240 --> 0:28:17.480
<v Speaker 3>you know, opening up a target date fund at a

0:28:17.520 --> 0:28:20.400
<v Speaker 3>regular investment firm, I mean, you're getting in there, you're

0:28:20.440 --> 0:28:22.080
<v Speaker 3>not paying a lot of fees. You know that upfront

0:28:22.080 --> 0:28:25.560
<v Speaker 3>they're investing you in some really diverse portfolios, so you're

0:28:25.560 --> 0:28:28.320
<v Speaker 3>already ahead of the game in a way. It's better

0:28:28.359 --> 0:28:31.080
<v Speaker 3>than sitting there and twiddling your thumbs and like anguishing over.

0:28:31.400 --> 0:28:33.919
<v Speaker 3>I don't understand every little bit of this yet. Just

0:28:34.000 --> 0:28:35.360
<v Speaker 3>get started, that's what's important.

0:28:44.920 --> 0:28:49.080
<v Speaker 1>Wind this week, my wind is super easy. My Superman

0:28:49.240 --> 0:28:52.120
<v Speaker 1>is signed up for a lead removal class. We could

0:28:52.120 --> 0:28:54.080
<v Speaker 1>finally make some movement on the house. We got the

0:28:54.120 --> 0:28:56.080
<v Speaker 1>water turned on after they told us they couldn't find

0:28:56.080 --> 0:28:59.880
<v Speaker 1>the spicket. And yeah, finally some movement on the house.

0:29:00.080 --> 0:29:02.880
<v Speaker 1>So I'm looking for a contractor. I put like a

0:29:02.920 --> 0:29:05.320
<v Speaker 1>call out so in the next before the end of

0:29:05.360 --> 0:29:07.320
<v Speaker 1>this month, work will have begun on the house.

0:29:07.360 --> 0:29:08.040
<v Speaker 2>So I'm excited.

0:29:08.520 --> 0:29:09.880
<v Speaker 3>Okay, it's all happening.

0:29:10.400 --> 0:29:12.000
<v Speaker 2>Yes, it's not.

0:29:12.080 --> 0:29:15.160
<v Speaker 3>She oh, I wish I had a funhouse update.

0:29:16.280 --> 0:29:16.560
<v Speaker 1>I don't.

0:29:16.560 --> 0:29:18.280
<v Speaker 3>I don't have a fun house update. I actually listened

0:29:18.320 --> 0:29:21.640
<v Speaker 3>to Tiffany's interview on the friend Zone, and I think Tiffany,

0:29:21.640 --> 0:29:23.720
<v Speaker 3>am I have saved me from making well I don't

0:29:23.720 --> 0:29:25.160
<v Speaker 3>know yet. You know where we want to do this

0:29:25.200 --> 0:29:27.120
<v Speaker 3>big renovation, and I've kind of had it in my

0:29:27.160 --> 0:29:29.560
<v Speaker 3>mind we're going to do everything right away, and it's

0:29:29.680 --> 0:29:32.040
<v Speaker 3>looking increasingly like we will not be able to pay

0:29:32.080 --> 0:29:36.000
<v Speaker 3>for cash. Basically, I held aside cash to put toward

0:29:36.000 --> 0:29:38.560
<v Speaker 3>the renovation, and it may not be enough because we

0:29:38.600 --> 0:29:40.280
<v Speaker 3>have to do all this HVAC stuff and what about

0:29:40.400 --> 0:29:43.840
<v Speaker 3>like blah blah blah and all the you know, we're

0:29:43.840 --> 0:29:46.560
<v Speaker 3>talking to vendors and they have like financing plans and

0:29:46.600 --> 0:29:48.960
<v Speaker 3>we can take out a home improvement loan and all

0:29:49.000 --> 0:29:51.160
<v Speaker 3>these things are these options are sort of throwing it's

0:29:51.160 --> 0:29:53.360
<v Speaker 3>sort of been you know, thrown at me. And now

0:29:53.400 --> 0:29:55.200
<v Speaker 3>I'm that I had to like stop myself listening to

0:29:55.240 --> 0:29:57.360
<v Speaker 3>your podcast, listening to that episode you did on the

0:29:57.360 --> 0:30:00.400
<v Speaker 3>friend Zone where you were talking about here's here's Shelley,

0:30:00.800 --> 0:30:03.760
<v Speaker 3>who you know, gets a new house and then finance

0:30:03.800 --> 0:30:07.880
<v Speaker 3>all her furniture. And then here's like Mandy who waits

0:30:07.880 --> 0:30:11.440
<v Speaker 3>a year, saves up, moves in with his sister, like

0:30:11.480 --> 0:30:13.680
<v Speaker 3>saves up by some Craigslist furniture in the meantime, and

0:30:13.680 --> 0:30:15.680
<v Speaker 3>then saves up to buy her furniture cash. And here's

0:30:15.680 --> 0:30:17.360
<v Speaker 3>what their financial picture looks like. And I was like,

0:30:17.400 --> 0:30:21.800
<v Speaker 3>I don't want to be Shelley. Yeah, but it's interesting.

0:30:22.480 --> 0:30:25.000
<v Speaker 1>It is the financial life away for the things that

0:30:25.040 --> 0:30:30.560
<v Speaker 1>you want. Why like even us, of course we want

0:30:30.560 --> 0:30:33.320
<v Speaker 1>to do every little thing, but we're taking our time

0:30:33.520 --> 0:30:35.720
<v Speaker 1>because we're like Okay, we could spend.

0:30:35.560 --> 0:30:38.480
<v Speaker 2>Eight thousand dollars on lead removal, or Superman can.

0:30:38.360 --> 0:30:40.800
<v Speaker 1>Take a three hundred dollars class and him and his

0:30:40.920 --> 0:30:44.280
<v Speaker 1>cousins can take a week to do the led removal themselves.

0:30:44.320 --> 0:30:46.800
<v Speaker 1>Since for the city of city where we work, of Newark,

0:30:47.080 --> 0:30:51.040
<v Speaker 1>you know, he does like maintenance and super stuff.

0:30:51.080 --> 0:30:52.640
<v Speaker 2>I don't know, like fixy stuff, you know.

0:30:52.680 --> 0:30:54.840
<v Speaker 1>So I'm like, well, this is just an extension, like

0:30:54.840 --> 0:30:57.800
<v Speaker 1>almost like you now, he's certified to do leed removal,

0:30:57.840 --> 0:31:00.440
<v Speaker 1>which is something that you know, we can actually right

0:31:00.480 --> 0:31:04.479
<v Speaker 1>off for his job. So taking your time and you know,

0:31:05.080 --> 0:31:08.280
<v Speaker 1>not kind of over financing yourself. In the end you

0:31:08.320 --> 0:31:12.160
<v Speaker 1>get the house and the income and the money. So yeah,

0:31:12.240 --> 0:31:14.640
<v Speaker 1>everybody goes crazy when it comes to renovations. I mean

0:31:14.680 --> 0:31:17.040
<v Speaker 1>you watch HGTV. Everybody goes over them.

0:31:16.960 --> 0:31:18.880
<v Speaker 3>And it makes you feel like you need to have

0:31:18.920 --> 0:31:21.200
<v Speaker 3>everything done right away and it's nice right Like I'm

0:31:21.240 --> 0:31:22.880
<v Speaker 3>just like, God, I wish we had just been on

0:31:22.920 --> 0:31:25.120
<v Speaker 3>an episode of Property Brothers. I could have had this

0:31:25.160 --> 0:31:28.040
<v Speaker 3>done a six to eight weeks. The Jonathan never the

0:31:28.080 --> 0:31:33.200
<v Speaker 3>Twins never fail. Unfortunately they're not filming in my county's

0:31:33.280 --> 0:31:35.800
<v Speaker 3>my state right now, So I couldn't do that, so

0:31:35.840 --> 0:31:38.240
<v Speaker 3>we're doing it all, you know, the old fashioned way.

0:31:38.280 --> 0:31:40.600
<v Speaker 3>And these vendors, though, they make you feel like he

0:31:40.680 --> 0:31:42.440
<v Speaker 3>got to make decisions now. They're like, oh, it's the

0:31:42.440 --> 0:31:45.040
<v Speaker 3>summertime and you know all these other people are lining up,

0:31:45.120 --> 0:31:47.080
<v Speaker 3>so you need And I just feel like, Okay, I'm

0:31:47.080 --> 0:31:49.640
<v Speaker 3>feeling uncomfortable. I feel like I'm being pressured and my

0:31:49.720 --> 0:31:52.480
<v Speaker 3>spidy sense is going up and all this has been happening.

0:31:52.520 --> 0:31:54.200
<v Speaker 3>And then I heard you on the podcast and I'm like,

0:31:54.240 --> 0:31:56.240
<v Speaker 3>you know what, I'm going to have to press pause

0:31:56.320 --> 0:31:58.680
<v Speaker 3>a little bit and just take a step back, and

0:31:58.680 --> 0:32:01.160
<v Speaker 3>I'm not to talk to my husband and just say

0:32:01.320 --> 0:32:03.520
<v Speaker 3>I don't think we want to put ourselves in this situation,

0:32:03.600 --> 0:32:06.320
<v Speaker 3>at least not right now. And stop believing that there

0:32:06.320 --> 0:32:10.320
<v Speaker 3>are these like artificial timelines and artificial deadlines, because there's not.

0:32:10.520 --> 0:32:12.560
<v Speaker 3>Like we are not we're not real estate investors. We're

0:32:12.560 --> 0:32:14.560
<v Speaker 3>not flipping this house in a year. We're going to

0:32:14.640 --> 0:32:17.240
<v Speaker 3>live here for a decade or more. So we can

0:32:17.360 --> 0:32:20.280
<v Speaker 3>we should take our time. And I made a plan.

0:32:20.360 --> 0:32:22.840
<v Speaker 3>I made a meeting with our financial planner on Friday,

0:32:23.040 --> 0:32:25.440
<v Speaker 3>and I'm going to get her advice and opinions on

0:32:25.600 --> 0:32:28.360
<v Speaker 3>what we could potentially afford, like what we could afford

0:32:28.400 --> 0:32:30.880
<v Speaker 3>to do now that would leave us comfortable where we

0:32:30.880 --> 0:32:33.440
<v Speaker 3>want to be, feeling like we're too over leveraged and

0:32:33.520 --> 0:32:36.800
<v Speaker 3>over financed because I am not like we're just like

0:32:36.920 --> 0:32:39.160
<v Speaker 3>we're doing too well to struggle. I don't want to

0:32:39.160 --> 0:32:42.800
<v Speaker 3>be like I don't want to be house poor. So quickly,

0:32:42.880 --> 0:32:44.960
<v Speaker 3>that's my that's what That's the last thing I want.

0:32:45.680 --> 0:32:47.840
<v Speaker 2>Okay, same, Look, that's good.

0:32:48.160 --> 0:32:51.440
<v Speaker 3>Thanks Tiffany, You're welcome.

0:32:52.120 --> 0:32:54.240
<v Speaker 1>And I spoke to it, like randomly, not that necessarily

0:32:54.280 --> 0:32:57.520
<v Speaker 1>believe in psychics, but this like psychic lady reached out

0:32:57.560 --> 0:32:59.320
<v Speaker 1>to me asking me for some financial advice.

0:33:00.240 --> 0:33:03.640
<v Speaker 2>Was like, huh, I feel a baby presence near you.

0:33:03.680 --> 0:33:05.200
<v Speaker 2>I was like, I'll take it.

0:33:05.560 --> 0:33:09.840
<v Speaker 4>I know, I said, you know what, I don't know

0:33:09.880 --> 0:33:12.200
<v Speaker 4>that I believe it all that, but I'll take it.

0:33:12.600 --> 0:33:16.160
<v Speaker 3>So were you watching that live feed of your nephews

0:33:16.480 --> 0:33:17.520
<v Speaker 3>daycare at the same time?

0:33:17.960 --> 0:33:20.840
<v Speaker 2>I know, I know. She was like, huh it's a girl.

0:33:20.880 --> 0:33:22.920
<v Speaker 2>I was like, okay, girl, I know.

0:33:23.080 --> 0:33:25.360
<v Speaker 1>So no, I mean, well I don't I mean no,

0:33:26.000 --> 0:33:29.480
<v Speaker 1>I mean because they say women say that they're not pregnant.

0:33:29.520 --> 0:33:31.240
<v Speaker 2>I mean, I don't know.

0:33:31.320 --> 0:33:33.480
<v Speaker 1>That, but you know, but they just say you should

0:33:33.520 --> 0:33:35.440
<v Speaker 1>never deny it. So I'm just like, for those women

0:33:35.440 --> 0:33:36.680
<v Speaker 1>who want to get pregnant, I don't if it's just

0:33:36.720 --> 0:33:37.520
<v Speaker 1>the old wives.

0:33:37.240 --> 0:33:39.880
<v Speaker 3>Tale positive thinking.

0:33:39.960 --> 0:33:41.240
<v Speaker 2>Yes, exactly so.

0:33:41.400 --> 0:33:43.160
<v Speaker 1>But when she said it, I was like, you know what,

0:33:43.320 --> 0:33:47.320
<v Speaker 1>I'm gonna add all the baby vibes and and dust and.

0:33:47.280 --> 0:33:48.760
<v Speaker 2>Juju or whatever you guys have said it to me,

0:33:48.840 --> 0:33:49.480
<v Speaker 2>continue to say that.

0:33:49.520 --> 0:33:52.760
<v Speaker 1>I will take every I'll take the Jewish vibe, I'll

0:33:52.800 --> 0:33:56.480
<v Speaker 1>take Christian vibe, I'll take Muslim vibes. Whatever you I'm

0:33:56.480 --> 0:33:58.440
<v Speaker 1>not bicky. I'll take the ball. So when she said it,

0:33:58.480 --> 0:34:00.600
<v Speaker 1>I said, okay, girl, I'll take it. And this is

0:34:00.640 --> 0:34:04.400
<v Speaker 1>how you fix your credit. So yeah, so hopefully good

0:34:04.400 --> 0:34:04.840
<v Speaker 1>news soon

0:34:05.640 --> 0:34:07.080
<v Speaker 3>Okay, Fingers crossed,