1 00:00:16,040 --> 00:00:26,000 Speaker 1: Hey, hey, hey, we're back. We're black, We're brown. Hey, 2 00:00:26,079 --> 00:00:32,680 Speaker 1: mandra Hey. 3 00:00:28,600 --> 00:00:31,080 Speaker 2: You don't sound very ambition. 4 00:00:31,360 --> 00:00:37,319 Speaker 3: Oh sorry, yeah, it's been a long year, I know. 5 00:00:38,560 --> 00:00:41,920 Speaker 3: Oh my goodness, Yes, yes, I just I mean, I 6 00:00:41,960 --> 00:00:45,599 Speaker 3: feel like we're all it's hard. Maybe I'll just give 7 00:00:45,600 --> 00:00:47,400 Speaker 3: myself a break and just can I just complain for 8 00:00:47,440 --> 00:00:49,839 Speaker 3: a second. And I also want to give everyone else 9 00:00:49,920 --> 00:00:52,600 Speaker 3: permission to complain, because what I find myself doing is 10 00:00:52,720 --> 00:00:54,880 Speaker 3: not is being like, well, you know, we're all this, 11 00:00:55,120 --> 00:00:57,360 Speaker 3: Like I'm not the only one. Everyone's gotten kids, some 12 00:00:57,400 --> 00:01:00,440 Speaker 3: people have this going on. At least I'm not sick. Okay, 13 00:01:00,600 --> 00:01:03,240 Speaker 3: all of that is true. But I think we're at 14 00:01:03,280 --> 00:01:05,120 Speaker 3: the point now where we know this is going to 15 00:01:05,160 --> 00:01:07,959 Speaker 3: be life as we know it for at least the 16 00:01:08,000 --> 00:01:11,520 Speaker 3: next month and probably longer if we are realistic. And 17 00:01:11,640 --> 00:01:15,000 Speaker 3: I think it's time for us to stop practicing like 18 00:01:15,600 --> 00:01:19,200 Speaker 3: in naive optimism or like radical optimism to the point 19 00:01:19,200 --> 00:01:21,559 Speaker 3: where I think it can almost be hurtful to people, 20 00:01:22,520 --> 00:01:24,399 Speaker 3: you know, like we're not going to pray our way 21 00:01:24,400 --> 00:01:27,840 Speaker 3: out of this, and there's not a ton of silver linings. 22 00:01:27,920 --> 00:01:31,960 Speaker 3: I mean, there are definitely positive outcomes to this whole 23 00:01:32,920 --> 00:01:35,640 Speaker 3: error that we're in right now. You know, you're forcing 24 00:01:35,720 --> 00:01:38,280 Speaker 3: us to be closer to your family. You're forcing people 25 00:01:38,280 --> 00:01:40,520 Speaker 3: to rely on one another and help each other. 26 00:01:40,520 --> 00:01:41,160 Speaker 2: And that's all. 27 00:01:41,040 --> 00:01:45,960 Speaker 3: Beautiful, but it's really for people who have whether you 28 00:01:45,959 --> 00:01:49,240 Speaker 3: have kids or not, but especially those who have kids. 29 00:01:49,280 --> 00:01:53,520 Speaker 3: Like the monumental shift that you have to make mentally 30 00:01:53,640 --> 00:01:58,240 Speaker 3: about your work when everything everything is happening in a bubble, 31 00:01:58,320 --> 00:02:00,520 Speaker 3: like everything is happening in these four walls that you 32 00:02:00,560 --> 00:02:03,960 Speaker 3: live in. You know, bless people who live in tiny apartments. 33 00:02:04,120 --> 00:02:06,880 Speaker 3: But even if you have a house, like your spouse, 34 00:02:07,200 --> 00:02:11,240 Speaker 3: your child or children, your work, it's like, you know, 35 00:02:11,480 --> 00:02:15,120 Speaker 3: if it weren't already clear, it's just it's throwing everything, 36 00:02:15,320 --> 00:02:20,959 Speaker 3: all of the different dynamics of work, life balance, inequality 37 00:02:21,000 --> 00:02:23,280 Speaker 3: for men and women. It's throwing all that into the mix. 38 00:02:23,400 --> 00:02:26,960 Speaker 3: It's throwing who holds the bulk of childcare and the relationship, 39 00:02:26,960 --> 00:02:30,040 Speaker 3: is throwing that in the mix. And it's also like 40 00:02:30,120 --> 00:02:32,520 Speaker 3: you're working with people who are also dealing with the 41 00:02:32,520 --> 00:02:34,440 Speaker 3: same crap that you're dealing with if they have kids 42 00:02:34,440 --> 00:02:37,200 Speaker 3: at home or you know, their worlds are upended, and 43 00:02:37,520 --> 00:02:41,760 Speaker 3: it's just such a bizarre time to it's almost like 44 00:02:41,800 --> 00:02:44,000 Speaker 3: the people want I think we're at the point now 45 00:02:44,040 --> 00:02:46,799 Speaker 3: where people's expectations that we can just pretend like this 46 00:02:47,000 --> 00:02:50,519 Speaker 3: business as usual that is doing more harm to those 47 00:02:50,520 --> 00:02:53,720 Speaker 3: of us whose work and home are so intertwined. Now, 48 00:02:53,800 --> 00:02:56,720 Speaker 3: Like we need to acknowledge this is crazy, this is 49 00:02:56,760 --> 00:02:57,840 Speaker 3: not normal. 50 00:02:58,400 --> 00:03:00,600 Speaker 2: Because what do you do if you have a little 51 00:03:00,639 --> 00:03:03,639 Speaker 2: like your four month old does not care that it's 52 00:03:03,639 --> 00:03:04,679 Speaker 2: a conference car right now. 53 00:03:05,200 --> 00:03:07,400 Speaker 3: Oh you and he's been on many he's been on. 54 00:03:08,760 --> 00:03:10,400 Speaker 2: Because it's like what do you you know what I mean, 55 00:03:10,480 --> 00:03:13,320 Speaker 2: it'd be one thing if let's just say, you know, 56 00:03:13,360 --> 00:03:15,840 Speaker 2: you've been working from home all this time, and it 57 00:03:15,960 --> 00:03:17,520 Speaker 2: was like, you know, it's been two years of you're 58 00:03:17,520 --> 00:03:19,280 Speaker 2: working from home, so you know, you create a schedule. 59 00:03:19,360 --> 00:03:21,480 Speaker 2: You know, maybe you have a nanny that comes. No, no, 60 00:03:21,800 --> 00:03:24,160 Speaker 2: this is like oh yeah as of tomorrow, you in 61 00:03:24,200 --> 00:03:26,200 Speaker 2: the four month old or like you and your two 62 00:03:26,280 --> 00:03:29,160 Speaker 2: year old, Like it's so cute because like people on 63 00:03:29,160 --> 00:03:31,440 Speaker 2: our team have little ones and they join they're like, hey, 64 00:03:32,000 --> 00:03:34,519 Speaker 2: so we don't mind. But that doesn't work for everyone's job. 65 00:03:34,840 --> 00:03:38,160 Speaker 3: Yeah, And I mean, fortunately I can work from home. 66 00:03:38,480 --> 00:03:40,400 Speaker 3: And for those who are working out there, you know, 67 00:03:40,440 --> 00:03:42,480 Speaker 3: you work at grocery stores, you're on their front lines 68 00:03:42,640 --> 00:03:45,720 Speaker 3: in healthcare. Just God, bless you, and thank you so 69 00:03:45,800 --> 00:03:47,760 Speaker 3: much for putting your lives at risk for the rest 70 00:03:47,760 --> 00:03:50,200 Speaker 3: of us. I am really grateful, first and foremost that 71 00:03:50,240 --> 00:03:53,720 Speaker 3: I have a job still, because they're projecting something like 72 00:03:53,880 --> 00:03:56,320 Speaker 3: twenty to thirty percent unemployment, which is just. 73 00:03:56,400 --> 00:03:57,960 Speaker 2: I can't my brain around it. 74 00:03:58,120 --> 00:04:01,800 Speaker 3: Yeah, but yeah, but but even people who had plans 75 00:04:01,920 --> 00:04:04,960 Speaker 3: for childcare, you know, we had a nanny all set 76 00:04:05,040 --> 00:04:08,160 Speaker 3: up to start, and I ended up talking to my 77 00:04:08,200 --> 00:04:11,520 Speaker 3: pediatrician and because whether you know this nanny in particular, 78 00:04:11,600 --> 00:04:16,080 Speaker 3: she worked part time encountering patients at a physical therapy center, 79 00:04:16,200 --> 00:04:19,120 Speaker 3: not necessarily people who were sick, but who were but anyway, 80 00:04:19,160 --> 00:04:21,520 Speaker 3: she was around people in a healthcare environment. So we 81 00:04:21,600 --> 00:04:25,200 Speaker 3: decided that was too risky. But even if she hadn't, 82 00:04:25,279 --> 00:04:28,080 Speaker 3: you know, worked in the arena of healthcare a little bit, 83 00:04:28,200 --> 00:04:31,640 Speaker 3: like even people who had nanny's who even would agree 84 00:04:31,640 --> 00:04:34,280 Speaker 3: to social distance, you still can't trust that people aren't 85 00:04:34,360 --> 00:04:36,839 Speaker 3: encountering other people who could have the virus. So a 86 00:04:36,880 --> 00:04:39,120 Speaker 3: lot of people just got rid of their childcare plans. 87 00:04:39,160 --> 00:04:43,679 Speaker 3: So so, yeah, the baby is here, and it's. 88 00:04:43,520 --> 00:04:45,160 Speaker 2: Been really freaking hard. 89 00:04:45,200 --> 00:04:47,800 Speaker 3: I'm not gonna lie I've been working at home since 90 00:04:47,839 --> 00:04:50,240 Speaker 3: March ninth, so it's like my fourth week. For a 91 00:04:50,240 --> 00:04:53,920 Speaker 3: lot of people, it's their third week working remote. My husband, 92 00:04:53,960 --> 00:04:57,080 Speaker 3: I think, has had the hardest time with the because 93 00:04:57,080 --> 00:04:59,800 Speaker 3: I had maternity leave, Like, oh, you mean I can't 94 00:04:59,800 --> 00:05:01,640 Speaker 3: go anywhere do anything I want to do, and I'm 95 00:05:01,680 --> 00:05:04,240 Speaker 3: just chained to this house forever. Okay, cool, that's maternity leave. 96 00:05:04,320 --> 00:05:07,560 Speaker 3: So I was prepared a little bit for this new normal. 97 00:05:08,360 --> 00:05:10,719 Speaker 3: But the biggest challenge for us, and I think a 98 00:05:10,720 --> 00:05:14,560 Speaker 3: lot of couples has been Okay, whose job. It's like 99 00:05:14,600 --> 00:05:17,960 Speaker 3: that it's the first week. Really last week when we 100 00:05:17,960 --> 00:05:21,080 Speaker 3: were spending you know, both of us expected to work 101 00:05:21,440 --> 00:05:24,159 Speaker 3: all day, you know, with with our respective jobs. For 102 00:05:24,200 --> 00:05:27,080 Speaker 3: the first time, we really had like a power struggle 103 00:05:27,120 --> 00:05:30,880 Speaker 3: of whose meetings were more important, who was better at 104 00:05:30,880 --> 00:05:33,440 Speaker 3: doing X, Y Z with the baby, and you know, 105 00:05:33,720 --> 00:05:37,080 Speaker 3: we it was just a hot damn mess. That's all 106 00:05:37,080 --> 00:05:39,080 Speaker 3: I'm going to say. And I don't know if you 107 00:05:39,160 --> 00:05:42,560 Speaker 3: and Superman, Well, Superman, he's still going out to his job, right, 108 00:05:43,800 --> 00:05:46,040 Speaker 3: I mean, bless him for being out there, but that 109 00:05:46,360 --> 00:05:47,919 Speaker 3: is that makes things a little bit easier. 110 00:05:47,960 --> 00:05:51,280 Speaker 2: I feel like, yeah, yeah, no, it does. And then 111 00:05:51,440 --> 00:05:53,680 Speaker 2: but I also I am always scared. Like this morning, you know, 112 00:05:54,560 --> 00:05:56,400 Speaker 2: he woke up and he was coughing. We both kind 113 00:05:56,400 --> 00:06:00,000 Speaker 2: of looked at each other, like so because you know, 114 00:06:00,160 --> 00:06:02,520 Speaker 2: he has to interact with people. He's considered an essential 115 00:06:02,560 --> 00:06:06,760 Speaker 2: worker because he manages three hundred units for Newark Housing Authorities. 116 00:06:06,800 --> 00:06:09,599 Speaker 2: So it's like they can't not have people there to 117 00:06:09,640 --> 00:06:11,960 Speaker 2: manage the units. If something breaks, someone has to organize 118 00:06:12,000 --> 00:06:14,640 Speaker 2: that getting fixed. If folks have to have you know, 119 00:06:14,920 --> 00:06:18,920 Speaker 2: people there to help run these you know, these apartments. 120 00:06:19,279 --> 00:06:21,080 Speaker 2: But I'm always worried. I mean, they one thing they 121 00:06:21,080 --> 00:06:23,640 Speaker 2: have done at his job is that they give them 122 00:06:23,680 --> 00:06:27,000 Speaker 2: three days on two days off now, so he only 123 00:06:27,040 --> 00:06:30,840 Speaker 2: works Monday, either Monday Tuesday Wednesday or Monday Thursday Friday 124 00:06:30,920 --> 00:06:33,520 Speaker 2: to kind of limit his exposure. And they only you know, 125 00:06:33,560 --> 00:06:35,600 Speaker 2: if they're going into apartments now to do anything. They 126 00:06:35,960 --> 00:06:39,479 Speaker 2: only can go in if it's an emergency. So it's like, 127 00:06:39,960 --> 00:06:42,400 Speaker 2: you know, not like if something light is wrong, you 128 00:06:42,440 --> 00:06:45,840 Speaker 2: know that has to wait. But still it's frightening because 129 00:06:45,920 --> 00:06:50,400 Speaker 2: I three hundred units, times how many people per apartment 130 00:06:50,520 --> 00:06:54,320 Speaker 2: or per townhouse. I mean someone he's running to has corona, 131 00:06:54,400 --> 00:06:56,839 Speaker 2: you know what I mean. Oh, like, and so it's 132 00:06:56,839 --> 00:06:59,599 Speaker 2: just just no way that they don't. And especially in 133 00:06:59,600 --> 00:07:03,080 Speaker 2: New Jersey and Essex County has the highest cases. So 134 00:07:03,160 --> 00:07:06,279 Speaker 2: I always think of that, like, I don't know, it's 135 00:07:06,360 --> 00:07:09,600 Speaker 2: just it's a lot, it's a lot. And yeah, I 136 00:07:10,160 --> 00:07:13,320 Speaker 2: love He has this great article on her her blog 137 00:07:13,360 --> 00:07:16,120 Speaker 2: and it's called I think she called a toxic positivity, 138 00:07:16,640 --> 00:07:20,040 Speaker 2: Yes where you know she was like, look here, Auntie, right, 139 00:07:20,120 --> 00:07:21,920 Speaker 2: we don't need you to like you know, like the 140 00:07:22,080 --> 00:07:24,360 Speaker 2: we can plead the blood of Jesus. And I'm not 141 00:07:24,400 --> 00:07:26,400 Speaker 2: saying obviously, I mean I believe in God, you know, 142 00:07:26,680 --> 00:07:30,480 Speaker 2: or higher source. And but that's not that's not how 143 00:07:30,480 --> 00:07:32,600 Speaker 2: that ever works. You know, if that ever worked, then 144 00:07:32,600 --> 00:07:35,120 Speaker 2: no one would ever die. Yeah, you know, babies wouldn't 145 00:07:35,120 --> 00:07:37,640 Speaker 2: get sick, your grandma wouldn't pass. That's just not how 146 00:07:37,680 --> 00:07:40,600 Speaker 2: that works. And pretending that well, if you would just pray, 147 00:07:40,760 --> 00:07:43,360 Speaker 2: this would go away, it's actually more harm than good 148 00:07:43,400 --> 00:07:43,720 Speaker 2: and so. 149 00:07:44,240 --> 00:07:47,560 Speaker 3: And it's yeah, it's and you know, relationships are in jeopardy. 150 00:07:47,560 --> 00:07:49,280 Speaker 3: I feel like, I mean, like I said, it was 151 00:07:49,320 --> 00:07:51,120 Speaker 3: a really and I'm not even going to sugarcoat it. 152 00:07:51,160 --> 00:07:56,400 Speaker 3: We had some huge, huge arguments last week and what's 153 00:07:56,440 --> 00:07:58,880 Speaker 3: really saved us one. I have a therapist so I 154 00:07:58,920 --> 00:08:01,400 Speaker 3: can talk to about these, which is super helpful. And 155 00:08:01,440 --> 00:08:04,000 Speaker 3: for those of you who you know, mental health is 156 00:08:04,000 --> 00:08:08,480 Speaker 3: a real anxiety for everybody right now. It just it's 157 00:08:08,600 --> 00:08:12,480 Speaker 3: completely understandable if everyone's feeling it, and I really encourage 158 00:08:12,480 --> 00:08:15,240 Speaker 3: you guys to look into getting help. A lot of 159 00:08:15,320 --> 00:08:19,920 Speaker 3: therapists it's sort of forced them to adopt virtual therapy solutions, 160 00:08:19,920 --> 00:08:22,120 Speaker 3: which I think is great because I feel like half 161 00:08:22,120 --> 00:08:24,080 Speaker 3: the battle is just finding the time in your schedule 162 00:08:24,120 --> 00:08:26,600 Speaker 3: to go to a therapist, and I think it's easier 163 00:08:26,600 --> 00:08:30,800 Speaker 3: than ever now and mine has been doing virtual sessions anyway, 164 00:08:30,920 --> 00:08:34,040 Speaker 3: So talking to someone has definitely helped. But for those 165 00:08:34,080 --> 00:08:36,960 Speaker 3: who are struggling with a spouse and that tug of 166 00:08:37,000 --> 00:08:39,800 Speaker 3: war over childcare and working the what's really helped me 167 00:08:39,880 --> 00:08:43,400 Speaker 3: is to one give myself and give him a break. 168 00:08:43,679 --> 00:08:49,040 Speaker 3: I was really expecting complete and total cooperation with whatever 169 00:08:49,160 --> 00:08:52,640 Speaker 3: my you know, schedule was, and I was expecting for 170 00:08:52,760 --> 00:08:55,880 Speaker 3: him to just know exactly sort of what was needed 171 00:08:55,880 --> 00:08:58,240 Speaker 3: with the baby when he hasn't really been required to 172 00:08:58,320 --> 00:09:00,800 Speaker 3: be home alone with the baby and alone time, and 173 00:09:01,400 --> 00:09:03,520 Speaker 3: I was being really hard on him and really hard 174 00:09:03,559 --> 00:09:06,240 Speaker 3: on myself and what I've tried to do and what 175 00:09:06,280 --> 00:09:08,040 Speaker 3: I've talked to him about is like we were both 176 00:09:08,080 --> 00:09:11,000 Speaker 3: just judging the other person, and like we were really 177 00:09:11,440 --> 00:09:14,000 Speaker 3: like judging how we did the baby stuff and how 178 00:09:14,000 --> 00:09:15,200 Speaker 3: we did the work stuff, and why do you have 179 00:09:15,240 --> 00:09:19,040 Speaker 3: so many meetings? And doesn't your you know, and at 180 00:09:19,040 --> 00:09:21,120 Speaker 3: the end of the day, this is not normal, Like 181 00:09:21,280 --> 00:09:24,160 Speaker 3: nobody knows how to do this right, and the fact 182 00:09:24,160 --> 00:09:26,280 Speaker 3: that we were criticizing the way each of us was 183 00:09:26,280 --> 00:09:28,960 Speaker 3: doing it, I was like, no one knows how to 184 00:09:29,000 --> 00:09:31,400 Speaker 3: do this. This has never been done. So we just 185 00:09:31,440 --> 00:09:33,880 Speaker 3: need to give each other a break. The laundry is 186 00:09:33,920 --> 00:09:35,319 Speaker 3: not going to get done all the time, the dishes 187 00:09:35,360 --> 00:09:38,120 Speaker 3: are going to be dirty, the you know, our jobs 188 00:09:38,120 --> 00:09:40,240 Speaker 3: are not going to be one hundred percent. They're not 189 00:09:40,240 --> 00:09:41,800 Speaker 3: going to get one hundred percent of us like they 190 00:09:41,880 --> 00:09:44,679 Speaker 3: usually do. We need to like get our teams, our 191 00:09:44,760 --> 00:09:48,240 Speaker 3: respective managers, talk to them and let them know what 192 00:09:48,280 --> 00:09:51,320 Speaker 3: they can expect from us, and then just be a 193 00:09:51,360 --> 00:09:55,080 Speaker 3: lot easier on one another. And so far the last 194 00:09:55,080 --> 00:09:57,720 Speaker 3: couple of days of last week and then today, it's 195 00:09:57,720 --> 00:10:01,600 Speaker 3: been so much better. But it was fucking it's so hard. 196 00:10:02,440 --> 00:10:04,840 Speaker 3: And yeah, homeboy, I have to tell you this funny 197 00:10:04,840 --> 00:10:07,360 Speaker 3: story really quick. Just I was on a conference call 198 00:10:07,400 --> 00:10:09,600 Speaker 3: last week and I had to hold the baby for 199 00:10:09,640 --> 00:10:12,880 Speaker 3: whatever reason. Uh, he was being fussy and husband dropped 200 00:10:12,920 --> 00:10:15,280 Speaker 3: him off of my lap and I was muted and 201 00:10:15,320 --> 00:10:18,040 Speaker 3: everything was going great. Baby was just chilling. As soon 202 00:10:18,240 --> 00:10:23,000 Speaker 3: as I unmuted my button, he took the largest, loudest dump, 203 00:10:24,160 --> 00:10:27,640 Speaker 3: the biggest poop in my lap and it was so loud. 204 00:10:28,200 --> 00:10:30,439 Speaker 2: It was so loud. 205 00:10:30,600 --> 00:10:34,600 Speaker 3: Yes, thank god, it was hilarious. It was really hilarious. 206 00:10:34,640 --> 00:10:37,400 Speaker 3: And I was like thanks baby, I mean honestly, and 207 00:10:37,480 --> 00:10:40,040 Speaker 3: I've welcomed like, bring your kid, bring your pet, because 208 00:10:40,240 --> 00:10:43,240 Speaker 3: it's just such a weird time, and you know, maybe 209 00:10:43,280 --> 00:10:46,080 Speaker 3: people people have so far enjoyed having like a little 210 00:10:46,080 --> 00:10:50,679 Speaker 3: comic relief from the baby popping in. But anyway, all 211 00:10:50,720 --> 00:10:53,280 Speaker 3: that being said, if you're out there struggling with children 212 00:10:53,320 --> 00:10:56,000 Speaker 3: at home, you're trying to homeschool, or you're you know, 213 00:10:56,160 --> 00:10:58,440 Speaker 3: struggling with your spouse or your partner over who takes 214 00:10:58,440 --> 00:10:59,920 Speaker 3: care of the kid. Now while you have a meeting, 215 00:11:00,120 --> 00:11:01,880 Speaker 3: like there's no right way to do it, and the 216 00:11:01,920 --> 00:11:04,000 Speaker 3: sooner you give yourself a break, the more happy you'll be. 217 00:11:05,160 --> 00:11:06,880 Speaker 3: Just we all just need to give each other a break. 218 00:11:06,880 --> 00:11:10,920 Speaker 2: I think yeah, like I said, I yeah, I honestly 219 00:11:10,960 --> 00:11:15,559 Speaker 2: am trying not to anticipate anything because I just how 220 00:11:15,559 --> 00:11:16,800 Speaker 2: you can do is put one foot in front of 221 00:11:16,800 --> 00:11:19,000 Speaker 2: the other. And I know I have it way easier 222 00:11:19,000 --> 00:11:24,480 Speaker 2: than most because Supergirl is She's thirteen, so honestly she 223 00:11:24,520 --> 00:11:26,800 Speaker 2: doesn't need anything as far as like you know, like 224 00:11:26,840 --> 00:11:29,160 Speaker 2: did you eat breakfast? I don't even have to make it. 225 00:11:29,200 --> 00:11:31,560 Speaker 2: I just have to ask the question did you eat lunch? 226 00:11:32,360 --> 00:11:35,000 Speaker 2: Like I make dinner, but breakfast and lunch is on 227 00:11:35,000 --> 00:11:36,679 Speaker 2: her because we have all the fixing, so she can 228 00:11:36,720 --> 00:11:39,000 Speaker 2: make herself cereal. She can make herself a sandwich. So 229 00:11:39,440 --> 00:11:40,920 Speaker 2: the only thing it has been hard has been like 230 00:11:40,960 --> 00:11:45,079 Speaker 2: with IVF, I'm like ah, and I still haven't like 231 00:11:45,120 --> 00:11:46,960 Speaker 2: a manday and I talked about it offline. I still 232 00:11:46,960 --> 00:11:49,040 Speaker 2: have not called. I don't know why. Sometimes I get 233 00:11:49,559 --> 00:11:53,360 Speaker 2: whenever I get overwhelmed or afraid, I freeze, like I'm 234 00:11:53,400 --> 00:11:55,840 Speaker 2: like I could be the super gold Gator or I 235 00:11:55,880 --> 00:11:59,560 Speaker 2: can be the like endless procrastinator. I'm like nowhere in between. 236 00:12:00,120 --> 00:12:01,960 Speaker 2: So when I get I noticed that about myself that 237 00:12:02,000 --> 00:12:05,160 Speaker 2: when I get when I'm afraid of something, or you know, 238 00:12:05,280 --> 00:12:08,080 Speaker 2: or I become really overwhelmed. I revert back to the 239 00:12:08,280 --> 00:12:11,280 Speaker 2: like super procrastinated, where I'm like, I'm not doing anything 240 00:12:11,640 --> 00:12:13,560 Speaker 2: and for some reason, I don't know, I'm afraid of 241 00:12:13,559 --> 00:12:15,480 Speaker 2: what the IVF the answer is going to be, so 242 00:12:15,600 --> 00:12:18,040 Speaker 2: I haven't called, even though I'm like I should call, 243 00:12:18,600 --> 00:12:21,400 Speaker 2: and I'm like tiviny neagivew I'm actually I'm gonna make 244 00:12:21,400 --> 00:12:23,560 Speaker 2: it tomorrow. I'm going to promise myself when to because 245 00:12:23,559 --> 00:12:24,360 Speaker 2: they're closed now. 246 00:12:24,400 --> 00:12:28,400 Speaker 3: But yeah, well that's give yourself a break for not calling. Yeah, 247 00:12:28,559 --> 00:12:31,120 Speaker 3: for a first and foremost, it's crazy times right now. 248 00:12:31,280 --> 00:12:34,240 Speaker 2: It is because I don't know, you know, I don't know. 249 00:12:34,280 --> 00:12:35,439 Speaker 2: I'm like, what if the answer is not what I 250 00:12:35,480 --> 00:12:37,440 Speaker 2: want to hear? As long as I don't call, I don't. 251 00:12:37,760 --> 00:12:40,160 Speaker 2: It's like I don't have to. I can delay hearing 252 00:12:40,200 --> 00:12:44,600 Speaker 2: the answer. It's just yeah, I don't know, like it's 253 00:12:44,720 --> 00:12:46,480 Speaker 2: And then on top of that, which I guess is 254 00:12:46,480 --> 00:12:49,120 Speaker 2: not a bad thing, it's been really busy as far 255 00:12:49,160 --> 00:12:52,120 Speaker 2: as business is concerned, which has been honestly kind of 256 00:12:52,160 --> 00:12:55,440 Speaker 2: also like a relief because it gives me space to 257 00:12:55,559 --> 00:12:58,360 Speaker 2: not have to think so much and worry so much. 258 00:12:58,640 --> 00:13:01,079 Speaker 2: So I can kind of like you know, like work. 259 00:13:01,559 --> 00:13:03,800 Speaker 2: So that's actually been like put a blessing but also 260 00:13:03,840 --> 00:13:07,280 Speaker 2: a little bit exhausting some days. But because you know, 261 00:13:07,400 --> 00:13:09,120 Speaker 2: like all the press and the media and everybody wants 262 00:13:09,120 --> 00:13:10,920 Speaker 2: to talk about the stimulus or the crash or the 263 00:13:11,000 --> 00:13:14,200 Speaker 2: this or people you know online or like hey Tiffany, 264 00:13:14,240 --> 00:13:16,719 Speaker 2: you know, should I save my money? Should I budget now? 265 00:13:16,760 --> 00:13:19,440 Speaker 2: And so it's giving me like a nice little reprieve 266 00:13:19,520 --> 00:13:23,800 Speaker 2: from like thinking about my own self and helping other 267 00:13:23,840 --> 00:13:26,400 Speaker 2: people always helps me to kind of like forget, at 268 00:13:26,480 --> 00:13:28,079 Speaker 2: least for a little while, any kind of stress I 269 00:13:28,160 --> 00:13:30,560 Speaker 2: might be experiencing. So, like I said, that's been both 270 00:13:30,600 --> 00:13:33,040 Speaker 2: helpful but then also sometimes overwhelmed me because some of 271 00:13:33,080 --> 00:13:36,520 Speaker 2: the questions people ask, I'm like, wait what, you know, like, 272 00:13:36,640 --> 00:13:39,480 Speaker 2: I'm not equipped to solve your life in. 273 00:13:40,240 --> 00:13:45,480 Speaker 3: Huge, huge questions, and the uncertainty is real and there's 274 00:13:45,520 --> 00:13:48,120 Speaker 3: no quick SoundBite for a lot of these questions that 275 00:13:48,160 --> 00:13:50,800 Speaker 3: people have. You know, I'm grateful for the podcast. It 276 00:13:50,840 --> 00:13:53,360 Speaker 3: gives us a platform to reach people, and you guys 277 00:13:53,400 --> 00:13:55,080 Speaker 3: have been thunding in your questions. I hope you go 278 00:13:55,120 --> 00:13:57,440 Speaker 3: back and listen to last week's show with Sharon Epperson 279 00:13:57,640 --> 00:14:01,120 Speaker 3: CNBC when we spoke about some of the most common 280 00:14:01,160 --> 00:14:04,480 Speaker 3: money questions we've been getting from you guys on today's show, 281 00:14:04,520 --> 00:14:09,120 Speaker 3: we are definitely we're going to unpack that giant piece 282 00:14:09,120 --> 00:14:13,160 Speaker 3: of legislation that passed last week in Congress and two 283 00:14:13,520 --> 00:14:16,120 Speaker 3: trillion dollars, which is such a big I don't even 284 00:14:16,160 --> 00:14:18,439 Speaker 3: know how I can't wrap my mind around that number. 285 00:14:18,440 --> 00:14:23,360 Speaker 3: Two trillion dollars worth of emergency relief that Congress has passed, 286 00:14:23,360 --> 00:14:25,520 Speaker 3: and we're going to unpack what that means for you, 287 00:14:25,680 --> 00:14:28,080 Speaker 3: how much money you can expect to be getting from 288 00:14:28,080 --> 00:14:31,080 Speaker 3: the government, if at all, and a couple other updates, 289 00:14:31,080 --> 00:14:33,520 Speaker 3: whether you're a small business owner, you're someone who has 290 00:14:33,520 --> 00:14:36,600 Speaker 3: a mortgage payment, or you're someone with student loan debt, 291 00:14:36,600 --> 00:14:39,600 Speaker 3: and we can talk about maybe some assistance programs or 292 00:14:39,600 --> 00:14:43,600 Speaker 3: some steps that you can take toward finding relief. So 293 00:14:43,640 --> 00:14:45,240 Speaker 3: we take a quick break right now and we'll come 294 00:14:45,280 --> 00:15:20,720 Speaker 3: back and talk about all of that good stuff. Okay, 295 00:15:20,720 --> 00:15:25,080 Speaker 3: we're back, So Tiffany, let's unpack what our government has 296 00:15:25,160 --> 00:15:27,440 Speaker 3: done for us, because we give them a lot of crap. 297 00:15:27,480 --> 00:15:30,720 Speaker 3: But Capitol Hill, you know, Congress really came together last 298 00:15:30,720 --> 00:15:35,720 Speaker 3: week and finally passed the third of three different bills. 299 00:15:35,760 --> 00:15:39,120 Speaker 3: This one is really meaningful for people because this includes 300 00:15:39,520 --> 00:15:43,560 Speaker 3: the check cash money, the stimulus check that many many 301 00:15:43,600 --> 00:15:47,520 Speaker 3: Americans will be receiving, but not everyone. So let me 302 00:15:47,600 --> 00:15:51,000 Speaker 3: just run down really quick how much you can expect 303 00:15:51,040 --> 00:15:54,680 Speaker 3: and who's actually getting what. So, if you earn less 304 00:15:54,680 --> 00:15:57,720 Speaker 3: than seventy five thousand dollars as an individual, you can 305 00:15:57,800 --> 00:16:02,000 Speaker 3: qualify for h check of twelve hundred dollars. That amount 306 00:16:02,080 --> 00:16:05,280 Speaker 3: decreases a little bit all the way up to ninety 307 00:16:05,360 --> 00:16:08,000 Speaker 3: nine thousand dollars worth of income for an individual. 308 00:16:08,240 --> 00:16:09,400 Speaker 2: So if you. 309 00:16:09,400 --> 00:16:12,600 Speaker 3: Earn over ninety nine thousand dollars a year yet nothing, 310 00:16:13,200 --> 00:16:14,800 Speaker 3: very likely you're not going to get anything. 311 00:16:15,320 --> 00:16:18,160 Speaker 2: If you have children, well, let's be clear where they 312 00:16:18,160 --> 00:16:19,800 Speaker 2: can find that, right, because I know people have been 313 00:16:19,840 --> 00:16:21,560 Speaker 2: asking me, well, how do I know what I made? 314 00:16:21,600 --> 00:16:24,240 Speaker 2: Because they're looking at your gross adjusted income, and it's 315 00:16:24,280 --> 00:16:28,680 Speaker 2: really if you look at your ten forty tax like 316 00:16:28,760 --> 00:16:31,920 Speaker 2: return book papers right, look at line eight B, that's 317 00:16:31,920 --> 00:16:33,680 Speaker 2: where you're going to find it. Because I don't want 318 00:16:33,680 --> 00:16:36,240 Speaker 2: people to be like, well I made this much like 319 00:16:36,280 --> 00:16:37,760 Speaker 2: it's going to say there. I want you to just 320 00:16:37,800 --> 00:16:40,000 Speaker 2: be clear where you're going to find that number. So 321 00:16:40,040 --> 00:16:42,320 Speaker 2: eight B on your on your tax for your ten 322 00:16:42,440 --> 00:16:43,520 Speaker 2: forty tax forms. 323 00:16:43,840 --> 00:16:45,840 Speaker 3: Yes, so if you filed, and they're going to be 324 00:16:45,960 --> 00:16:47,800 Speaker 3: looking at because this is going to be going through 325 00:16:47,800 --> 00:16:50,120 Speaker 3: the irs. People want to know, how do I get 326 00:16:50,120 --> 00:16:52,840 Speaker 3: the money? Most of you, if you've filed your taxes 327 00:16:52,880 --> 00:16:55,360 Speaker 3: for twenty eighteen or twenty nineteen, they will base it 328 00:16:55,400 --> 00:16:58,040 Speaker 3: off your income from either twenty nineteen. If you didn't file, 329 00:16:58,080 --> 00:17:00,240 Speaker 3: then it'll be twenty eighteen. And then if if you 330 00:17:00,520 --> 00:17:03,920 Speaker 3: got your federal tax refund through direct deposit, you should 331 00:17:03,920 --> 00:17:06,680 Speaker 3: have no problem because that's the same way you'll be 332 00:17:06,720 --> 00:17:10,439 Speaker 3: getting your stimulus funds. And yes, like Tiffany said, it 333 00:17:10,480 --> 00:17:13,320 Speaker 3: is based on your adjusted gross income. So if you 334 00:17:13,359 --> 00:17:15,120 Speaker 3: really want to know if you qualify, you can go 335 00:17:15,320 --> 00:17:18,000 Speaker 3: to your last year's tax return or call up your 336 00:17:18,040 --> 00:17:21,360 Speaker 3: accountant and just double check. For couples, So going back 337 00:17:21,359 --> 00:17:22,879 Speaker 3: to how much of a check you'll get, so that 338 00:17:22,920 --> 00:17:26,359 Speaker 3: was all for individuals. For couples, basically double that. So 339 00:17:26,440 --> 00:17:28,399 Speaker 3: if you're a couple earning one hundred and fifty thousand 340 00:17:28,440 --> 00:17:31,760 Speaker 3: dollars jointly, then you can qualify for twenty four hundred 341 00:17:31,800 --> 00:17:34,720 Speaker 3: dollars and that's gonna max out at one hundred and 342 00:17:34,760 --> 00:17:39,720 Speaker 3: ninety eight thousand dollars of joint income, so and again 343 00:17:40,000 --> 00:17:42,639 Speaker 3: twelve hundred dollars is the max, and then it'll it'll 344 00:17:42,680 --> 00:17:44,959 Speaker 3: decrease a little bit all the way up to that 345 00:17:45,160 --> 00:17:47,879 Speaker 3: those thresholds ninety nine thousand dollars for individuals or one 346 00:17:47,960 --> 00:17:53,000 Speaker 3: hundred and ninety eight thousand dollars for couples. When are 347 00:17:53,000 --> 00:17:55,560 Speaker 3: they going to get those checks, Tiffany, They. 348 00:17:55,440 --> 00:17:58,400 Speaker 2: Will be getting their checks. When it came out Treasury 349 00:17:58,440 --> 00:18:02,639 Speaker 2: Secretary Steve Muntion, I was think his name is Finnie anyway, 350 00:18:02,640 --> 00:18:06,400 Speaker 2: he said three weeks, which basically lands around like April seventeen. 351 00:18:06,640 --> 00:18:09,520 Speaker 2: That's what chery so basically almost like what our traditional 352 00:18:09,840 --> 00:18:12,480 Speaker 2: taxes are do is is what they're you know, we 353 00:18:12,520 --> 00:18:14,520 Speaker 2: know we've been they've been pushed back, but around that time, 354 00:18:14,640 --> 00:18:16,680 Speaker 2: so about April seventeen. 355 00:18:16,600 --> 00:18:20,480 Speaker 3: Yeah, they said a few weeks. I mean, but that's 356 00:18:20,840 --> 00:18:24,000 Speaker 3: I've only seen like about a few weeks as an estimate, 357 00:18:24,040 --> 00:18:27,200 Speaker 3: and I still feel like it's TBD. It's such as 358 00:18:27,359 --> 00:18:29,119 Speaker 3: it's the first time they've ever done this, and it's 359 00:18:29,119 --> 00:18:30,840 Speaker 3: such a massive program. So I would say, you know, 360 00:18:30,880 --> 00:18:33,639 Speaker 3: what's today's when's this show? Going to be airing April first. 361 00:18:34,080 --> 00:18:37,520 Speaker 3: Keep checking news reports for an update on that. But 362 00:18:37,600 --> 00:18:41,720 Speaker 3: right now, yeah, a few weeks are checks tax they're 363 00:18:41,760 --> 00:18:44,720 Speaker 3: not taxed, Nope, which is the good news. So I 364 00:18:44,760 --> 00:18:46,840 Speaker 3: mean hopefully for a lot of people. I mean it's 365 00:18:47,200 --> 00:18:50,280 Speaker 3: obviously twelve hundred dollars is for a lot of people 366 00:18:50,520 --> 00:18:53,560 Speaker 3: a meaningful amount of money. We got a question on 367 00:18:53,600 --> 00:18:57,280 Speaker 3: the Gram from a listener who wanted to remain anonymous, asking, 368 00:18:57,440 --> 00:19:00,320 Speaker 3: you know, if we get a stimulus check, what should 369 00:19:00,359 --> 00:19:03,000 Speaker 3: that money go towards. Should we be using it for 370 00:19:03,040 --> 00:19:05,520 Speaker 3: our next house payment, or should we be putting it 371 00:19:05,560 --> 00:19:09,440 Speaker 3: toward debt? Should we be stashing it away for savings? 372 00:19:10,400 --> 00:19:11,719 Speaker 3: Do you want to take that tonique? 373 00:19:12,000 --> 00:19:15,200 Speaker 2: Yeah, so honestly, So here's kind of like in order 374 00:19:15,359 --> 00:19:18,560 Speaker 2: that I think anyway that one take care of your 375 00:19:18,680 --> 00:19:21,720 Speaker 2: current bills. So if you have something that's like behind, 376 00:19:22,400 --> 00:19:25,439 Speaker 2: then you know, I would use the money to get current. 377 00:19:25,560 --> 00:19:28,080 Speaker 2: That's like really what it's kind of for, because we're 378 00:19:28,320 --> 00:19:30,879 Speaker 2: assuming that you were either laid off or maybe your 379 00:19:30,920 --> 00:19:34,600 Speaker 2: income has been temporarily paused, So get current on your bills. 380 00:19:34,920 --> 00:19:37,879 Speaker 2: So that's one. Next, I would use that money in 381 00:19:37,880 --> 00:19:40,399 Speaker 2: one or two ways. So I would say, I believe 382 00:19:40,440 --> 00:19:42,800 Speaker 2: it was last week or the week before where I 383 00:19:42,840 --> 00:19:46,200 Speaker 2: said that I wouldn't be aggressive in debt pay down 384 00:19:46,600 --> 00:19:50,080 Speaker 2: right now because it's much more important that you have 385 00:19:50,359 --> 00:19:55,520 Speaker 2: some emergency savings saved. But the caveat is I would 386 00:19:55,560 --> 00:19:58,760 Speaker 2: for student loan because right now, if you have federal 387 00:19:58,760 --> 00:20:03,440 Speaker 2: student loans, you're your interest rate. The interest component of 388 00:20:03,440 --> 00:20:07,000 Speaker 2: your federal student loans has been paused until September, which 389 00:20:07,000 --> 00:20:10,280 Speaker 2: means every single dollar you pay to your student loans 390 00:20:10,400 --> 00:20:13,000 Speaker 2: is going to go to your principle. So that's huge. 391 00:20:13,240 --> 00:20:16,520 Speaker 2: So I would consider if your whole and you're not 392 00:20:16,600 --> 00:20:18,880 Speaker 2: laid on any payments and you don't need money for that, 393 00:20:18,920 --> 00:20:21,879 Speaker 2: I would consider if I had federal student loans, putting 394 00:20:21,880 --> 00:20:25,760 Speaker 2: some money toward them because and being a little bit 395 00:20:25,760 --> 00:20:28,800 Speaker 2: more aggressive only because all of your money is going 396 00:20:28,880 --> 00:20:32,760 Speaker 2: to go toward what you owe, so that's huge. And second, 397 00:20:33,320 --> 00:20:35,760 Speaker 2: I would use some of that money. If I don't 398 00:20:35,800 --> 00:20:38,720 Speaker 2: have three to six months ideally six months worth of 399 00:20:38,720 --> 00:20:42,080 Speaker 2: emergency savings, I certainly would be putting the money toward 400 00:20:42,160 --> 00:20:44,760 Speaker 2: my emergency savings because we still don't know what's going 401 00:20:44,840 --> 00:20:47,720 Speaker 2: to happen. I know we have the stimulus, the purpose 402 00:20:47,760 --> 00:20:50,920 Speaker 2: of the stimulus is to stimulate the economy. And what 403 00:20:51,040 --> 00:20:53,119 Speaker 2: you did to think of, like I was sharing with 404 00:20:53,240 --> 00:20:58,200 Speaker 2: some dreamcatchers, that the money is like literally blood flowing 405 00:20:58,280 --> 00:21:01,359 Speaker 2: through the economy, which is a boy. So when the 406 00:21:01,440 --> 00:21:04,520 Speaker 2: money stops flowing, then the body. Parts of the body 407 00:21:04,640 --> 00:21:06,919 Speaker 2: start to die and then eventually it just all dies. 408 00:21:07,280 --> 00:21:11,119 Speaker 2: And so that's why the federal government is giving us 409 00:21:11,240 --> 00:21:14,840 Speaker 2: money because we are low on blood. And if something 410 00:21:14,920 --> 00:21:19,800 Speaker 2: doesn't pump blood through this economic body, we're susceptible to 411 00:21:19,840 --> 00:21:23,359 Speaker 2: an economic collapse, which is a recession and at worse, 412 00:21:23,400 --> 00:21:26,280 Speaker 2: a depression, which we don't want. And the depression is 413 00:21:26,280 --> 00:21:30,560 Speaker 2: a series of recessions. And when our economy drops by 414 00:21:30,640 --> 00:21:32,919 Speaker 2: I think it's like ten percent or more consistently for 415 00:21:32,960 --> 00:21:36,399 Speaker 2: two years or more. So we don't want that. So 416 00:21:36,640 --> 00:21:38,439 Speaker 2: as a result, yeah, we're getting that money to kind 417 00:21:38,440 --> 00:21:40,480 Speaker 2: of flow through the market, to throw through the economy. 418 00:21:40,560 --> 00:21:42,720 Speaker 2: So I would save it, I would pay my bills 419 00:21:42,720 --> 00:21:45,280 Speaker 2: if I needed to. Then I would save or and 420 00:21:45,600 --> 00:21:49,240 Speaker 2: or aggressively pay down student loan debt if I had 421 00:21:49,320 --> 00:21:51,560 Speaker 2: federal student loan debt. And if you don't have any 422 00:21:51,560 --> 00:21:54,440 Speaker 2: of those things then and you're told you have six 423 00:21:54,480 --> 00:21:57,360 Speaker 2: months worth of savings. Then I would also look into 424 00:21:57,880 --> 00:22:00,440 Speaker 2: am I in short enough, I'm not going to. I mean, 425 00:22:00,440 --> 00:22:02,280 Speaker 2: it's a little scary, are we. They don't know for 426 00:22:02,320 --> 00:22:06,160 Speaker 2: sure what percentage what the death rate is quite yet 427 00:22:06,240 --> 00:22:08,800 Speaker 2: of COVID nineteen, it's looking around three or four percent, 428 00:22:08,840 --> 00:22:11,639 Speaker 2: but without accurate testing, they don't know for sure. But 429 00:22:11,680 --> 00:22:14,439 Speaker 2: that's significant because the flu is er point zero one percent. 430 00:22:14,840 --> 00:22:17,800 Speaker 2: So do you have adequate life insurance? I might put 431 00:22:17,840 --> 00:22:19,960 Speaker 2: some toward that if I had those other things covered. 432 00:22:20,359 --> 00:22:23,240 Speaker 2: And if you do, then quite honestly, I would look 433 00:22:23,320 --> 00:22:26,480 Speaker 2: to use this excess money for investing. So if I 434 00:22:26,600 --> 00:22:28,960 Speaker 2: checked off all those other boxes, then I might set 435 00:22:29,000 --> 00:22:31,960 Speaker 2: aside that money and say, huh, you know, have I 436 00:22:32,040 --> 00:22:34,280 Speaker 2: maxed out on my on my retirement account? And if 437 00:22:34,280 --> 00:22:37,040 Speaker 2: I have, you know, maybe I can open up an 438 00:22:37,119 --> 00:22:40,119 Speaker 2: investment account that's outside of retirement. So those are kind 439 00:22:40,160 --> 00:22:41,879 Speaker 2: of like the order that I would go in with 440 00:22:41,880 --> 00:22:44,480 Speaker 2: with my money if I was getting the twelve hundred 441 00:22:44,560 --> 00:22:45,879 Speaker 2: or twenty four hundred dollars. 442 00:22:46,240 --> 00:22:48,080 Speaker 3: Yeah, I mean, I wonder if they're going to have 443 00:22:48,160 --> 00:22:51,600 Speaker 3: to cut additional checks because you know, twelve hundred. Now, 444 00:22:52,240 --> 00:22:56,040 Speaker 3: I honestly feel like people are so unsure about where 445 00:22:56,080 --> 00:22:58,639 Speaker 3: the economy is going, because we're all unsure about it. 446 00:22:59,000 --> 00:23:00,800 Speaker 3: You know, their hope that got Remant's hope is that, 447 00:23:01,080 --> 00:23:03,040 Speaker 3: you know, people will take the money and then it'll 448 00:23:03,040 --> 00:23:05,600 Speaker 3: flow through the economy because people will spend it at 449 00:23:05,640 --> 00:23:09,720 Speaker 3: businesses and things like that. But I worry that people 450 00:23:09,760 --> 00:23:11,399 Speaker 3: are or I wonder if people are just going to 451 00:23:11,400 --> 00:23:12,879 Speaker 3: be so afraid that they're just going to hang on 452 00:23:12,920 --> 00:23:15,720 Speaker 3: to it, which I completely understand, and like Tiffany said, 453 00:23:15,720 --> 00:23:17,679 Speaker 3: in some cases it probably makes more sense to do that, 454 00:23:18,680 --> 00:23:22,359 Speaker 3: but time will tell. I did want to clarify, so 455 00:23:22,440 --> 00:23:25,200 Speaker 3: on the student loan interest waiver, that's just for federal 456 00:23:25,280 --> 00:23:28,000 Speaker 3: student loan debt, like Tiffany said, and it's being waved 457 00:23:28,040 --> 00:23:32,320 Speaker 3: through September thirtieth. Okay, just FYI for those of you 458 00:23:32,359 --> 00:23:35,200 Speaker 3: who have student loan debt, So if you were considering 459 00:23:35,320 --> 00:23:38,960 Speaker 3: refinancing your federal student loans right now, it really doesn't 460 00:23:39,000 --> 00:23:41,800 Speaker 3: make sense. Right now, you're getting zero interests in your 461 00:23:41,800 --> 00:23:44,240 Speaker 3: federal student loan debt, so I would leave them right 462 00:23:44,280 --> 00:23:47,000 Speaker 3: where they are. And like Tiffany said, that just means 463 00:23:47,000 --> 00:23:49,400 Speaker 3: that whatever you pay on them is going towards your principle, 464 00:23:49,840 --> 00:23:53,199 Speaker 3: which you know, short of debt forgiveness, it's not a 465 00:23:53,240 --> 00:23:56,520 Speaker 3: bad plan b so at least it's something a couple 466 00:23:56,640 --> 00:23:59,119 Speaker 3: other things. So if you are a lot of this 467 00:23:59,200 --> 00:24:01,920 Speaker 3: is being done at this style. But there may be 468 00:24:02,520 --> 00:24:08,199 Speaker 3: ordinances from state governments preventing landlords from evicting people for 469 00:24:08,200 --> 00:24:11,840 Speaker 3: a certain period of time. So some states have a 470 00:24:11,880 --> 00:24:16,879 Speaker 3: complete ban on evictions through May or longer. Just in 471 00:24:16,920 --> 00:24:19,040 Speaker 3: light of the fact that a lot of people, whether 472 00:24:19,080 --> 00:24:21,680 Speaker 3: they lost their job or their income or whatnot, lots 473 00:24:21,680 --> 00:24:24,359 Speaker 3: of people will be struggling to make payments on rent 474 00:24:24,560 --> 00:24:28,679 Speaker 3: as a result of this economic shutdown. So check with 475 00:24:28,760 --> 00:24:31,600 Speaker 3: your state and see what sort of relief programs they 476 00:24:31,600 --> 00:24:34,680 Speaker 3: may have. And I just also want to say, whether 477 00:24:34,720 --> 00:24:37,680 Speaker 3: it's your mortgage, or your credit card bill, or any 478 00:24:37,720 --> 00:24:41,000 Speaker 3: sort of loan, call your servicer and just ask them 479 00:24:41,240 --> 00:24:43,639 Speaker 3: if there's some sort of forbearance or some sort of 480 00:24:44,000 --> 00:24:46,520 Speaker 3: relief program they have in place in light of what's 481 00:24:46,560 --> 00:24:49,399 Speaker 3: happening with the COVID nineteen crisis. I know, in our 482 00:24:49,440 --> 00:24:52,399 Speaker 3: research at lending Tree, we've found a lot of different 483 00:24:52,400 --> 00:24:56,359 Speaker 3: banks already have pages dedicated to what kind of assistance 484 00:24:56,400 --> 00:24:59,720 Speaker 3: they can offer borrowers in light of this outbreak so, 485 00:25:00,359 --> 00:25:03,080 Speaker 3: but at the same time, they're not calling you up. 486 00:25:03,160 --> 00:25:06,520 Speaker 3: They're not going to be like, oh, hey, you know, Tiffany, 487 00:25:06,000 --> 00:25:09,840 Speaker 3: we know you have you know this auto loan, or 488 00:25:09,880 --> 00:25:12,600 Speaker 3: this this credit card bill, We're going to take care 489 00:25:12,600 --> 00:25:13,960 Speaker 3: of that, don't worry about that, or hey, we won't 490 00:25:14,040 --> 00:25:15,560 Speaker 3: charge you interest. They're not going to come out and 491 00:25:15,600 --> 00:25:18,119 Speaker 3: tell you that you have to be proactive pick up 492 00:25:18,160 --> 00:25:21,000 Speaker 3: the phone and call them. I think one of the 493 00:25:21,000 --> 00:25:23,920 Speaker 3: worst things you can do is just hope that things 494 00:25:23,960 --> 00:25:26,879 Speaker 3: will figure themselves out. I really encourage you guys to 495 00:25:27,640 --> 00:25:30,480 Speaker 3: pick up and call people, even. 496 00:25:30,280 --> 00:25:31,879 Speaker 2: If you have a business. I write like, right now, 497 00:25:31,920 --> 00:25:35,240 Speaker 2: you know they're giving those business loans slash grants, and 498 00:25:36,840 --> 00:25:38,399 Speaker 2: I'm not gonna lie. I was on the phone waiting 499 00:25:38,400 --> 00:25:40,359 Speaker 2: for like an hour for Wells Fargo today and nobody 500 00:25:40,359 --> 00:25:43,399 Speaker 2: picked up. I called my banker, apparently he no longer 501 00:25:43,440 --> 00:25:45,680 Speaker 2: works at Wells Fargo. I was like, oh, this is great. 502 00:25:45,720 --> 00:25:50,360 Speaker 2: So this I'm telling you, there's so much it's just crazy, 503 00:25:50,400 --> 00:25:53,040 Speaker 2: because I mean, the good thing is is there is 504 00:25:53,119 --> 00:25:56,160 Speaker 2: money available, but there's so little information as far as 505 00:25:56,200 --> 00:25:59,119 Speaker 2: the banks are concerned because they're learning too. So I 506 00:25:59,119 --> 00:26:00,840 Speaker 2: had to give them a little bit of grace because 507 00:26:00,840 --> 00:26:02,679 Speaker 2: I was like, so what does it look like? How 508 00:26:02,680 --> 00:26:04,320 Speaker 2: do I apply? I will say I did find the 509 00:26:04,359 --> 00:26:05,400 Speaker 2: application online. 510 00:26:06,160 --> 00:26:07,560 Speaker 3: So what are you talking about? 511 00:26:08,000 --> 00:26:10,639 Speaker 2: Oh? So, so if you are a small business, not 512 00:26:10,680 --> 00:26:13,040 Speaker 2: just a small business, if you're a small business, if 513 00:26:13,080 --> 00:26:15,800 Speaker 2: you're a sole proprietor, if you are a contract worker, 514 00:26:15,840 --> 00:26:18,400 Speaker 2: a gig worker. So you got a ten ninety nine, 515 00:26:18,400 --> 00:26:22,520 Speaker 2: so you don't you know, so any like any almost 516 00:26:22,600 --> 00:26:26,920 Speaker 2: anything except for working for a like having an employer. 517 00:26:27,400 --> 00:26:31,200 Speaker 2: There is money set aside in this stimulus package for you, 518 00:26:32,000 --> 00:26:34,960 Speaker 2: and I believe it's up to ten million dollars. So 519 00:26:35,040 --> 00:26:37,640 Speaker 2: what it looks like is they are going to look 520 00:26:37,720 --> 00:26:41,000 Speaker 2: at last year's operating expenses, so that means how much 521 00:26:41,040 --> 00:26:44,040 Speaker 2: did it cost to run your business every month? And 522 00:26:44,080 --> 00:26:46,240 Speaker 2: they're going to multiply that by two and a half time. 523 00:26:46,280 --> 00:26:48,719 Speaker 2: So let's just say, for the sake of ease, that 524 00:26:48,800 --> 00:26:51,119 Speaker 2: it costs you ten thousand dollars to run your business 525 00:26:51,119 --> 00:26:54,360 Speaker 2: a month. So that's twenty five thousand dollars you are 526 00:26:55,280 --> 00:27:00,280 Speaker 2: potentially eligible for to receive an assistance. The key is 527 00:27:00,560 --> 00:27:04,080 Speaker 2: they're wanting you to use that money to maintain your staff. 528 00:27:04,119 --> 00:27:06,800 Speaker 2: They do not want people to be let go and 529 00:27:06,840 --> 00:27:08,520 Speaker 2: so the way it works is that it's a loan 530 00:27:09,000 --> 00:27:11,720 Speaker 2: that twenty five hundred dollars with just that fictional twenty 531 00:27:11,720 --> 00:27:15,520 Speaker 2: five hundred dollars. It's a loan as long as you 532 00:27:15,960 --> 00:27:19,560 Speaker 2: maintain your staff and I believe it for eight weeks. 533 00:27:19,880 --> 00:27:23,000 Speaker 2: And so if you do that, then that loan becomes 534 00:27:23,040 --> 00:27:26,160 Speaker 2: a grant. And if you don't do that, and let's 535 00:27:26,200 --> 00:27:27,960 Speaker 2: just say you have to let go fifty percent of 536 00:27:28,000 --> 00:27:31,560 Speaker 2: your staff after taking this money, then you will owe 537 00:27:31,600 --> 00:27:33,720 Speaker 2: back fifty percent of that money given to you, and 538 00:27:33,760 --> 00:27:36,720 Speaker 2: they're going to give you ten years to pay it back. 539 00:27:36,800 --> 00:27:38,879 Speaker 2: And I believe the interest rate honors anywhere from two 540 00:27:38,920 --> 00:27:42,440 Speaker 2: to four percent, so still really really low, you know, 541 00:27:42,720 --> 00:27:45,399 Speaker 2: really low interest on paying that back. The purpose of 542 00:27:45,440 --> 00:27:48,280 Speaker 2: that part of the stimulus package is to keep small 543 00:27:48,320 --> 00:27:52,080 Speaker 2: businesses open. And because small businesses account for about half 544 00:27:52,119 --> 00:27:56,320 Speaker 2: it's not more than half of all employed people. So 545 00:27:56,359 --> 00:27:58,680 Speaker 2: they're wanting small businesses that they open, and they want 546 00:27:58,760 --> 00:28:01,720 Speaker 2: small businesses to contain and you to employ their people 547 00:28:01,760 --> 00:28:05,080 Speaker 2: even if their people are home. And so they I mean, 548 00:28:05,119 --> 00:28:07,840 Speaker 2: I googled it to find like the application. It was 549 00:28:07,920 --> 00:28:10,880 Speaker 2: not easy. I'm like, sheesh, it's just woop child out here, 550 00:28:11,280 --> 00:28:14,040 Speaker 2: and so I googled it and so literally it's at 551 00:28:14,200 --> 00:28:19,080 Speaker 2: on the SBA Small Business Association Association dot gov website. 552 00:28:19,119 --> 00:28:20,840 Speaker 2: So I'm sure if you go to SBA dot gov 553 00:28:21,080 --> 00:28:24,560 Speaker 2: you should be able to find all these applications that 554 00:28:24,680 --> 00:28:27,119 Speaker 2: you're looking for. So, like I said, you could be 555 00:28:27,119 --> 00:28:29,119 Speaker 2: ten ninety nine, that means you're a contract worker, you 556 00:28:29,160 --> 00:28:31,840 Speaker 2: could be a sole proprietor you can be you know, 557 00:28:31,920 --> 00:28:36,000 Speaker 2: as long as your business is under five hundred employees, 558 00:28:36,040 --> 00:28:39,120 Speaker 2: you can even be a nonprofit. So yeah, there, And 559 00:28:39,320 --> 00:28:42,120 Speaker 2: what I love too is the paperwork is really light, 560 00:28:42,480 --> 00:28:44,560 Speaker 2: so they're not doing you know, normally when you're trying 561 00:28:44,560 --> 00:28:46,240 Speaker 2: to get a business loan, you have to give your 562 00:28:46,400 --> 00:28:49,920 Speaker 2: firstborn and blood and none of that. They're being really light. 563 00:28:50,000 --> 00:28:52,200 Speaker 2: They're like, you know, did you fire taxes. Let's take 564 00:28:52,240 --> 00:28:55,200 Speaker 2: a look, and what it'll look like is that you 565 00:28:55,320 --> 00:28:58,320 Speaker 2: file this application online. So my friend actually did this. 566 00:28:59,080 --> 00:29:02,680 Speaker 2: You file the application online. Then she went into her bank, 567 00:29:02,680 --> 00:29:04,560 Speaker 2: the bank that she uses for her business. I called 568 00:29:04,560 --> 00:29:06,280 Speaker 2: my bank and they were like, no, girl, But she 569 00:29:06,360 --> 00:29:08,080 Speaker 2: went into her bank and they let her do kind 570 00:29:08,120 --> 00:29:10,240 Speaker 2: of like a pre application. So some banks are already 571 00:29:10,320 --> 00:29:11,920 Speaker 2: kind of like up and running and geared for it. 572 00:29:12,000 --> 00:29:14,080 Speaker 2: I don't know why Wells Fargo is not. So she 573 00:29:14,200 --> 00:29:17,200 Speaker 2: already had kind of like her her meeting with her banker, 574 00:29:17,280 --> 00:29:19,280 Speaker 2: and she's pre approved. She just has to wait for 575 00:29:19,320 --> 00:29:21,120 Speaker 2: the funds and a couple of weeks when the funds 576 00:29:21,120 --> 00:29:23,480 Speaker 2: are released by the federal government. I don't know what 577 00:29:23,520 --> 00:29:25,880 Speaker 2: it's looking like for some of these bigger banks, but 578 00:29:25,920 --> 00:29:30,200 Speaker 2: there are banks that are pre approved to disseminate these funds, 579 00:29:30,240 --> 00:29:32,320 Speaker 2: and so we're honestly, I'm just waiting. I was on 580 00:29:32,360 --> 00:29:34,560 Speaker 2: the phone waiting for Wells Fargo for like an hour 581 00:29:34,600 --> 00:29:36,640 Speaker 2: today and it was like, we don't have the funds yet, 582 00:29:36,680 --> 00:29:38,480 Speaker 2: and I'm like, well, how come her little bank in 583 00:29:38,840 --> 00:29:42,160 Speaker 2: Florida is already ready up. I guess, you know, sometimes 584 00:29:42,200 --> 00:29:43,719 Speaker 2: when a ship is so big, it's hard for them 585 00:29:43,760 --> 00:29:45,680 Speaker 2: to turn it. And her bank in Florida is like 586 00:29:45,720 --> 00:29:47,800 Speaker 2: a small, kind of like one off bank, so I 587 00:29:47,800 --> 00:29:50,000 Speaker 2: guess you know, they were more prepared. But there's a 588 00:29:50,040 --> 00:29:51,760 Speaker 2: lot of money coming to us. But the only thing 589 00:29:51,760 --> 00:29:53,520 Speaker 2: I worry about. I don't know if you worry about this, Mandy, 590 00:29:53,560 --> 00:29:56,520 Speaker 2: but I do as a finance geek, is uh, what 591 00:29:56,600 --> 00:30:00,240 Speaker 2: about inflation? They're printing a lot of money a girl. Well, 592 00:30:00,440 --> 00:30:03,400 Speaker 2: that's just tomorrow's problem. I saw, I saw, meaning that 593 00:30:03,400 --> 00:30:06,200 Speaker 2: it's like, who's going to pay for this? Oh, Tomorrow's children. 594 00:30:06,760 --> 00:30:09,719 Speaker 2: You ask Rio about it when he's when he's voting. 595 00:30:10,200 --> 00:30:13,160 Speaker 2: But I did want to just clarify, so just to recap, 596 00:30:13,200 --> 00:30:15,680 Speaker 2: and I will put as many resources as I can 597 00:30:15,720 --> 00:30:17,480 Speaker 2: get my hands on for you guys. If you check 598 00:30:17,480 --> 00:30:19,840 Speaker 2: the show notes, whether you're a small business owner, you 599 00:30:19,840 --> 00:30:22,400 Speaker 2: have student loans, or you're just wondering how much of 600 00:30:22,400 --> 00:30:24,600 Speaker 2: a stimulus check you get, check the show notes. 601 00:30:24,360 --> 00:30:26,479 Speaker 3: For some links that you can use. But as far 602 00:30:26,480 --> 00:30:28,680 Speaker 3: as small business relief, there's grants and there's loans, and 603 00:30:28,720 --> 00:30:31,400 Speaker 3: I just wanted to just quickly recap just so it's 604 00:30:31,800 --> 00:30:34,880 Speaker 3: clear to folks. So emergency grants, that's up to ten 605 00:30:34,960 --> 00:30:38,040 Speaker 3: thousand dollars for emergency funds for small business who are 606 00:30:38,040 --> 00:30:40,600 Speaker 3: struggling to cover, you know, just the cost of keeping 607 00:30:40,640 --> 00:30:44,000 Speaker 3: the lights on right now. Then there's the loans, which 608 00:30:44,000 --> 00:30:46,960 Speaker 3: Tiffany mentioned can be up to ten million dollars per 609 00:30:47,000 --> 00:30:52,360 Speaker 3: business and could be potentially forgivable depending on some eligibility requirements. 610 00:30:52,360 --> 00:30:54,840 Speaker 3: And like tiff said, you have to keep workers employed 611 00:30:54,880 --> 00:30:58,360 Speaker 3: et cetera. And then lastly, there may be some relief 612 00:30:58,360 --> 00:31:00,840 Speaker 3: if you already have a small businesslan There's also a 613 00:31:00,920 --> 00:31:04,239 Speaker 3: chunk of cash in that bill that would cover up 614 00:31:04,240 --> 00:31:08,160 Speaker 3: to six months of payments on for small businesses that 615 00:31:08,200 --> 00:31:12,360 Speaker 3: are using SBA loans already. And again, be proactive. Like 616 00:31:12,400 --> 00:31:14,160 Speaker 3: Tiffany said, I'm going to put the link to that 617 00:31:14,320 --> 00:31:17,360 Speaker 3: SBA resource in the show notes. You guys can start 618 00:31:17,720 --> 00:31:19,960 Speaker 3: that paperwork, and I just my heart goes out to 619 00:31:20,000 --> 00:31:22,920 Speaker 3: all the small business owners out there, just like people 620 00:31:22,920 --> 00:31:25,600 Speaker 3: that I'm desperate to give money to, like my hair 621 00:31:25,880 --> 00:31:29,000 Speaker 3: dresser and the really nice lady who is doing my 622 00:31:29,040 --> 00:31:32,280 Speaker 3: post natal massages that I miss so much. But for 623 00:31:32,440 --> 00:31:35,360 Speaker 3: you know, it's not safe to work with people that closely. 624 00:31:35,480 --> 00:31:39,040 Speaker 3: So these people out there whose businesses relies on contact 625 00:31:39,080 --> 00:31:42,360 Speaker 3: with other humans, you know, they're really really struggling. So hopefully, 626 00:31:42,920 --> 00:31:46,160 Speaker 3: hopefully this can provide some much needed relief for them. 627 00:31:47,920 --> 00:31:49,840 Speaker 2: I'm telling you, it's just Yeah, it's a live and 628 00:31:49,880 --> 00:31:52,320 Speaker 2: that's as we learn more, we will share more. 629 00:31:52,760 --> 00:31:55,560 Speaker 3: Yeah, absolutely, and you guys keep sending in your questions. 630 00:31:55,960 --> 00:31:59,000 Speaker 3: Hit us up at Brand Ambition Podcast at gmail dot com. 631 00:31:59,680 --> 00:32:02,400 Speaker 3: You can also send me a question via Instagram if 632 00:32:02,440 --> 00:32:05,120 Speaker 3: you'd like to, or brond Ambision Podcast on the Gram 633 00:32:05,400 --> 00:32:08,000 Speaker 3: or go to our website Brandnambission podcast dot. 634 00:32:07,760 --> 00:32:09,560 Speaker 2: Com dot com. 635 00:32:10,200 --> 00:32:11,400 Speaker 3: All right, boost and break? 636 00:32:12,320 --> 00:32:18,440 Speaker 2: Yes, yes, boost and break? Who child? Go ahead? Oh no, 637 00:32:18,560 --> 00:32:21,880 Speaker 2: what I do have a boost? I want to boost? 638 00:32:22,800 --> 00:32:24,880 Speaker 2: So I don't know if I said this the other day. 639 00:32:24,880 --> 00:32:26,640 Speaker 2: Did I tell you that the books came in the mail, 640 00:32:26,960 --> 00:32:28,000 Speaker 2: my Molly Moore books. 641 00:32:28,320 --> 00:32:30,000 Speaker 3: You didn't tell me, but I you know, I follow 642 00:32:30,040 --> 00:32:30,880 Speaker 3: you on the Gram, so I. 643 00:32:30,800 --> 00:32:34,720 Speaker 2: Saw yes because I was trying to find like some 644 00:32:34,840 --> 00:32:38,040 Speaker 2: silver line, but I didn't we have enough breaks right now, 645 00:32:38,120 --> 00:32:41,520 Speaker 2: so trying to find some silver lining. And the Mollymore 646 00:32:41,560 --> 00:32:43,719 Speaker 2: books came in the mail, and I have to say, honestly, 647 00:32:43,720 --> 00:32:45,600 Speaker 2: they're beautiful. I was like, oh my gosh, it's like 648 00:32:45,640 --> 00:32:47,880 Speaker 2: a real book, you know how Like it's like your 649 00:32:47,920 --> 00:32:50,720 Speaker 2: friend that says they can sing and you're like, okay, 650 00:32:51,240 --> 00:32:54,040 Speaker 2: she ay, but she can't really sing. No, these books 651 00:32:54,040 --> 00:32:56,560 Speaker 2: can sing, you know, Like it looks like a real book, 652 00:32:56,600 --> 00:32:58,760 Speaker 2: like the book that you would get at like Barnes 653 00:32:58,800 --> 00:33:01,560 Speaker 2: and Nobles or Target. I can't wait to send them out. 654 00:33:02,080 --> 00:33:04,720 Speaker 2: And I just got it word from the distributor because 655 00:33:04,720 --> 00:33:06,320 Speaker 2: I know people have been hitting me up because they 656 00:33:06,360 --> 00:33:09,440 Speaker 2: don't really fully understand how kickstarter works, which I get 657 00:33:09,440 --> 00:33:11,680 Speaker 2: it because I wouldn't know unless I was using Kickstarter, 658 00:33:12,600 --> 00:33:15,480 Speaker 2: you know, when I kickstarted the book. So the way 659 00:33:15,560 --> 00:33:18,400 Speaker 2: kickstarter works is that you do your Kickstarter. I think 660 00:33:18,440 --> 00:33:22,120 Speaker 2: the kickstarter ended, I want to say the beginning of March, 661 00:33:22,560 --> 00:33:24,640 Speaker 2: and then they make you wait three weeks for your 662 00:33:24,680 --> 00:33:27,200 Speaker 2: funds because for two weeks they try to make they 663 00:33:27,200 --> 00:33:29,840 Speaker 2: try to charge people's cards that are on Kickstarter. They 664 00:33:29,840 --> 00:33:32,479 Speaker 2: don't charge you right away. They only charge people's cards 665 00:33:32,520 --> 00:33:36,440 Speaker 2: if the kickstarter is fully funded, and then they charge 666 00:33:36,440 --> 00:33:38,480 Speaker 2: your card, and so for two weeks they charge your card, 667 00:33:38,600 --> 00:33:41,640 Speaker 2: and so not everyone's card got charged. I think about 668 00:33:41,640 --> 00:33:43,840 Speaker 2: forty people, you know, I guess they're just the funds. 669 00:33:43,880 --> 00:33:47,520 Speaker 2: Weren't there no judgment, judgment, no, but so it wasn't 670 00:33:47,560 --> 00:33:49,920 Speaker 2: a significant amount, which was good. And then they take 671 00:33:49,920 --> 00:33:52,000 Speaker 2: their Kickstarter feed and they take their credit card feed, 672 00:33:52,000 --> 00:33:54,720 Speaker 2: and then you wait another week and literally the money 673 00:33:55,080 --> 00:33:58,880 Speaker 2: from like a month ago was just deposited into my account, 674 00:33:58,920 --> 00:34:01,560 Speaker 2: which is like yay. And then on top of them, 675 00:34:01,960 --> 00:34:05,320 Speaker 2: I had ordered books months ago because I knew I 676 00:34:05,320 --> 00:34:07,240 Speaker 2: didn't want you guys, to wait, and books take about 677 00:34:07,280 --> 00:34:09,720 Speaker 2: two or three months to print, so I ordered books 678 00:34:09,760 --> 00:34:12,880 Speaker 2: like three months ago, and then this kind of I 679 00:34:12,920 --> 00:34:15,840 Speaker 2: guess memorandum went down where it's like right now we 680 00:34:15,960 --> 00:34:20,480 Speaker 2: are not shipping non essential items, and so it was 681 00:34:20,560 --> 00:34:22,040 Speaker 2: touch and go, and I was just like, am I 682 00:34:22,080 --> 00:34:23,600 Speaker 2: going to get these books? Like, what's happening? I know 683 00:34:23,600 --> 00:34:26,439 Speaker 2: people are waiting. So finally they came in a couple 684 00:34:26,440 --> 00:34:28,480 Speaker 2: of days ago and I was just hitting the distributor. 685 00:34:28,520 --> 00:34:32,600 Speaker 2: So I ordered about three hundred from my house. Because 686 00:34:32,640 --> 00:34:35,239 Speaker 2: some of the books some people ordered like a or 687 00:34:35,320 --> 00:34:37,799 Speaker 2: chose a reward tier with their books. They wanted their 688 00:34:37,800 --> 00:34:40,319 Speaker 2: books signed, and so I want to, you know, I 689 00:34:40,360 --> 00:34:43,120 Speaker 2: wanted to. I have to ship them out myself. But 690 00:34:43,520 --> 00:34:45,960 Speaker 2: the vast majority of the books, well over fifteen hundred 691 00:34:46,000 --> 00:34:48,640 Speaker 2: of them, are going to be shipped directly from the distributor. 692 00:34:48,640 --> 00:34:50,120 Speaker 2: But they didn't even have them yet. But I know 693 00:34:50,160 --> 00:34:51,759 Speaker 2: people are a little bit frustrated, but I'm like, I 694 00:34:51,800 --> 00:34:53,360 Speaker 2: can't say what's not here, So I've been trying to 695 00:34:53,400 --> 00:34:56,560 Speaker 2: keep open lines of communication. So they literally just emailed 696 00:34:56,600 --> 00:34:59,200 Speaker 2: me probably like an hour ago saying, hey, we finally 697 00:34:59,200 --> 00:35:02,080 Speaker 2: have them here, and I'm like, finally, so I say 698 00:35:02,120 --> 00:35:05,359 Speaker 2: all that to say that hopefully within a week, we're 699 00:35:05,360 --> 00:35:07,400 Speaker 2: gonna start shipping out your books. We're just waiting for 700 00:35:07,520 --> 00:35:10,600 Speaker 2: your bookmark. So that's another week. But if you if 701 00:35:10,600 --> 00:35:13,480 Speaker 2: you ordered through Happy Birthday or if you order through 702 00:35:13,520 --> 00:35:17,080 Speaker 2: the Kickstarter, please make sure you go back into Kickstarter 703 00:35:17,400 --> 00:35:20,560 Speaker 2: and fill out the backer survey because that's how I 704 00:35:20,680 --> 00:35:23,120 Speaker 2: get your address. So if you have not given me 705 00:35:23,160 --> 00:35:25,200 Speaker 2: your address, I don't have a place to send the books. 706 00:35:25,880 --> 00:35:27,920 Speaker 2: I sent out a message, but I know how it is. 707 00:35:27,960 --> 00:35:29,479 Speaker 2: You know, it might have gone to spam or whatever. 708 00:35:29,520 --> 00:35:32,680 Speaker 2: I send out a message through Kickstarter asking for your 709 00:35:32,880 --> 00:35:34,600 Speaker 2: mailing address. So if you're hearing me and you're like, 710 00:35:34,640 --> 00:35:37,200 Speaker 2: I never gave my mailing address, go back into Kickstarter. 711 00:35:37,360 --> 00:35:39,080 Speaker 2: There should be there. There'll be like it'll it'll pop 712 00:35:39,160 --> 00:35:41,520 Speaker 2: up and just give me your mailing address and all 713 00:35:41,520 --> 00:35:44,279 Speaker 2: the information I'm asking for because within a week, you know, 714 00:35:44,320 --> 00:35:46,200 Speaker 2: hopefully we'll have some good news in your hands. So 715 00:35:47,000 --> 00:35:49,640 Speaker 2: that's my I know, that's my brown boos. Honestly, Mandy, 716 00:35:49,680 --> 00:35:51,160 Speaker 2: it's so beautiful. I can't wait for you to see it. 717 00:35:51,160 --> 00:35:53,799 Speaker 2: It's just like I just I can't believe it's real. 718 00:35:53,840 --> 00:35:55,640 Speaker 2: It's like a real book. It doesn't look like one 719 00:35:55,680 --> 00:35:58,399 Speaker 2: of those Oh you're self published, that's so cute. Now 720 00:35:58,480 --> 00:35:59,640 Speaker 2: it's like a real book. 721 00:36:01,160 --> 00:36:02,120 Speaker 3: I mean, I hope it is. 722 00:36:02,160 --> 00:36:06,680 Speaker 2: I paid thirty books for work now, so I'm just excited. 723 00:36:06,680 --> 00:36:08,439 Speaker 2: Because I also got the soft cover books. That's why 724 00:36:08,480 --> 00:36:10,000 Speaker 2: people are like, haw, come the book was so expensive. 725 00:36:10,000 --> 00:36:11,399 Speaker 2: I'm like, well, you weren't just paying for your book, 726 00:36:11,400 --> 00:36:13,200 Speaker 2: you were paying for a book for another little baby. 727 00:36:13,440 --> 00:36:16,359 Speaker 2: So the softcover books were also really like just they 728 00:36:16,400 --> 00:36:18,719 Speaker 2: just look really well done. And I'm so pleased with 729 00:36:18,760 --> 00:36:21,239 Speaker 2: the printer. The whole process has been like a lot 730 00:36:21,239 --> 00:36:23,879 Speaker 2: of work, but like joyful work, you know. So it's 731 00:36:23,920 --> 00:36:26,480 Speaker 2: a little bit of a little ray of sunshine in 732 00:36:26,520 --> 00:36:28,560 Speaker 2: these dark, boding times. 733 00:36:29,000 --> 00:36:30,960 Speaker 3: Congrats. I know this has been a labor of love 734 00:36:31,000 --> 00:36:33,000 Speaker 3: for so long, so I can't wait to meet her 735 00:36:33,080 --> 00:36:37,759 Speaker 3: in person. Molly Moore. Cool. So my break, I mean, sorry, 736 00:36:37,800 --> 00:36:39,439 Speaker 3: my boost. I'm going to do a boost real quick, 737 00:36:39,480 --> 00:36:42,520 Speaker 3: because you know, I know you guys don't need another 738 00:36:42,520 --> 00:36:45,360 Speaker 3: way to communicate with people. We have Snapchat on Instagram 739 00:36:45,360 --> 00:36:49,080 Speaker 3: and of course text messages. But I really like this 740 00:36:49,120 --> 00:36:52,400 Speaker 3: app called Marco Polo, which is not necessarily a new app, 741 00:36:52,880 --> 00:36:55,960 Speaker 3: but it is really really easy if you're trying to 742 00:36:56,000 --> 00:36:58,280 Speaker 3: find a quick way to like send a video message 743 00:36:58,560 --> 00:37:00,920 Speaker 3: to family and friends, and you can create groups and 744 00:37:00,960 --> 00:37:03,680 Speaker 3: it's sort of like that annoying group chat that you're 745 00:37:03,680 --> 00:37:06,200 Speaker 3: in on your on your text messages, which I love 746 00:37:06,320 --> 00:37:10,120 Speaker 3: my little my family several family and several friend group chats, 747 00:37:10,160 --> 00:37:12,239 Speaker 3: but they can be a little much and I like 748 00:37:12,280 --> 00:37:14,160 Speaker 3: having a separate app to put them on. So if 749 00:37:14,200 --> 00:37:16,320 Speaker 3: you're looking for a way to connect with family and friends, 750 00:37:16,360 --> 00:37:19,919 Speaker 3: I really recommend Marco Polo. And just this week I've 751 00:37:19,960 --> 00:37:22,480 Speaker 3: noticed like everybody and their brother has been signing up 752 00:37:22,480 --> 00:37:24,880 Speaker 3: for it, and I think it's just everyone's flocking to 753 00:37:24,920 --> 00:37:27,839 Speaker 3: find like a really good way to communicate with their 754 00:37:27,880 --> 00:37:30,600 Speaker 3: loved ones really quick messages. And then you don't, you know, 755 00:37:30,800 --> 00:37:32,959 Speaker 3: need to have need to go digging through your text 756 00:37:33,040 --> 00:37:35,880 Speaker 3: to like find that message or getting a million message 757 00:37:35,880 --> 00:37:39,320 Speaker 3: alerts from your text, you know, from your group threads. 758 00:37:39,360 --> 00:37:43,480 Speaker 3: So highly highly recommend it. And if you don't want 759 00:37:43,520 --> 00:37:46,600 Speaker 3: to download another app, I I'll do a brown Brown 760 00:37:46,640 --> 00:37:50,359 Speaker 3: boost for just calling people. Don't bother leaving a voicemail though, 761 00:37:50,400 --> 00:37:53,080 Speaker 3: like I did for Tiffany because she won't listen to it. 762 00:37:54,600 --> 00:37:56,799 Speaker 2: A lot of people won't listen to that. Like in 763 00:37:56,880 --> 00:37:59,320 Speaker 2: the Year of Our Lord twenty twenty, if. 764 00:37:59,160 --> 00:38:01,360 Speaker 3: Someone leaves me a voicemail, I would think it was 765 00:38:01,360 --> 00:38:02,520 Speaker 3: an emergency. 766 00:38:02,840 --> 00:38:06,240 Speaker 2: No, I'm like, we had literally nobody listens to voicemail. 767 00:38:06,000 --> 00:38:07,319 Speaker 3: Wine a time, right now. 768 00:38:07,360 --> 00:38:09,399 Speaker 2: Okay, well you text me you were like, I left 769 00:38:09,440 --> 00:38:13,239 Speaker 2: your voicemail? Like is she she said this? How how 770 00:38:13,280 --> 00:38:14,919 Speaker 2: could you leave a voicemail and yet at the same 771 00:38:14,920 --> 00:38:17,160 Speaker 2: time not have watched Golden Girls. You can't be the 772 00:38:17,160 --> 00:38:19,000 Speaker 2: same person. It's either all or nothing. 773 00:38:20,320 --> 00:38:23,279 Speaker 3: My window for watching anything that I haven't watched. I mean, 774 00:38:23,440 --> 00:38:26,440 Speaker 3: I'm my my information will only be thirty two and 775 00:38:26,480 --> 00:38:29,120 Speaker 3: a half years old, like this is it. I can't 776 00:38:29,160 --> 00:38:31,960 Speaker 3: absorb anything new. I haven't watched Tiger King. I don't 777 00:38:31,960 --> 00:38:35,319 Speaker 3: know anything about that show. It's done. It's a rap. 778 00:38:35,360 --> 00:38:37,120 Speaker 3: It took me five days to watch a movie last 779 00:38:37,120 --> 00:38:39,000 Speaker 3: week because of the baby. So we'll see. 780 00:38:39,120 --> 00:38:42,799 Speaker 2: Okay. The young kids would say, you're washed. That's what 781 00:38:42,840 --> 00:38:45,120 Speaker 2: they'll be. Young kids would say, oh, like, oh, you're washed, 782 00:38:45,440 --> 00:38:47,600 Speaker 2: and I'm like whatever, I'll be washed washed. 783 00:38:47,600 --> 00:38:50,600 Speaker 3: Okay, sure, I'm super washed, super super washed. 784 00:38:50,960 --> 00:38:53,040 Speaker 2: Basically, if I guess it's like Slanger like washed up, 785 00:38:53,080 --> 00:38:55,279 Speaker 2: like it's you're old now, and I'm like, okay, I'll 786 00:38:55,320 --> 00:38:57,760 Speaker 2: be washed. You're like, yeah, I'm washed. I'm like okay, 787 00:38:57,920 --> 00:38:59,640 Speaker 2: so yeah, I learned that from Supergirl. 788 00:39:00,440 --> 00:39:02,359 Speaker 3: Oh let me do a quick One of my couple 789 00:39:02,440 --> 00:39:04,120 Speaker 3: of my friends were just we were talking about mental 790 00:39:04,160 --> 00:39:08,279 Speaker 3: health earlier, and I know people listening just saying the 791 00:39:08,280 --> 00:39:11,239 Speaker 3: word find a therapist is It's really good advice. I 792 00:39:11,280 --> 00:39:13,879 Speaker 3: highly encourage it, but it takes it can take time 793 00:39:13,960 --> 00:39:15,759 Speaker 3: and effort to find a therapist, and it took me 794 00:39:15,760 --> 00:39:17,600 Speaker 3: a long time to find one myself that I liked. 795 00:39:18,040 --> 00:39:20,279 Speaker 3: But I have been using and a lot of my 796 00:39:20,320 --> 00:39:25,160 Speaker 3: friends have been loving this app called Calm Clm Calm app, 797 00:39:25,280 --> 00:39:29,280 Speaker 3: which has meditations and like even if you have trouble sleeping, 798 00:39:29,360 --> 00:39:32,359 Speaker 3: because the anxiety and troubles kind of float into your 799 00:39:32,360 --> 00:39:34,040 Speaker 3: brain right when you're trying to go to sleep. At 800 00:39:34,080 --> 00:39:36,920 Speaker 3: least that's my problem. They have like little stories you 801 00:39:36,960 --> 00:39:39,120 Speaker 3: can listen to that help you drift off to sleep. 802 00:39:39,760 --> 00:39:41,719 Speaker 3: I think they have. It does cost I forget how 803 00:39:41,800 --> 00:39:44,320 Speaker 3: much it costs, but I think it's worth it, especially 804 00:39:44,360 --> 00:39:47,160 Speaker 3: if you are looking for something just to help you 805 00:39:47,280 --> 00:39:49,640 Speaker 3: relax and take away some of the stress. That's going 806 00:39:49,680 --> 00:39:53,200 Speaker 3: on in this world today. I highly recommend the call app. 807 00:39:53,800 --> 00:39:55,880 Speaker 2: Oh. I like their calm okay, call. 808 00:39:56,000 --> 00:39:59,920 Speaker 3: Yes Zen, Yeah, just hang in there, man. I mean, 809 00:40:01,480 --> 00:40:05,360 Speaker 3: I do feel like the silver lining for me is 810 00:40:05,400 --> 00:40:08,359 Speaker 3: that my honestly, we get to spend a lot more 811 00:40:08,400 --> 00:40:10,640 Speaker 3: time with the baby than we would have if we 812 00:40:10,680 --> 00:40:13,080 Speaker 3: had been commuting every day. And I do see the 813 00:40:13,160 --> 00:40:15,560 Speaker 3: value in that, and I feel like it's gonna make 814 00:40:15,640 --> 00:40:18,600 Speaker 3: my marriage stronger, because if we can survive this, we 815 00:40:18,680 --> 00:40:21,359 Speaker 3: can literally survive anything. That's how I feel. It is 816 00:40:21,400 --> 00:40:25,040 Speaker 3: so hard, but well we're already doing better. We're already 817 00:40:25,040 --> 00:40:28,560 Speaker 3: communicating better, we're helping each other more. And just give 818 00:40:28,560 --> 00:40:31,800 Speaker 3: yourself grace out there, like I've been watching the Today 819 00:40:31,840 --> 00:40:34,640 Speaker 3: Show because Hodah is just I just love me some 820 00:40:34,719 --> 00:40:37,160 Speaker 3: Hoda and she's just like everyone's aunty right now, is 821 00:40:37,200 --> 00:40:40,640 Speaker 3: what I feel like. And just be nice to people, 822 00:40:40,960 --> 00:40:43,560 Speaker 3: and I don't know, go for a walk, I mean, 823 00:40:43,960 --> 00:40:47,160 Speaker 3: do whatever you can to take care of yourself, because 824 00:40:47,160 --> 00:40:49,520 Speaker 3: it's not something that's going to be over tomorrow. We 825 00:40:49,600 --> 00:40:51,640 Speaker 3: need to start learning how to cope with this. 826 00:40:52,160 --> 00:40:54,560 Speaker 2: Yeah, now, yeah, the new normal. 827 00:40:55,560 --> 00:40:58,880 Speaker 3: Yeah, hug a nurse, hug a doctor. If you know 828 00:40:58,920 --> 00:41:01,960 Speaker 3: anyone out there working and healthcare just I mean, those 829 00:41:01,960 --> 00:41:05,560 Speaker 3: are the real heroes. I can't say that enough. So 830 00:41:05,800 --> 00:41:08,680 Speaker 3: to all of you guys working, if you're out there, 831 00:41:08,840 --> 00:41:11,799 Speaker 3: thank you, thank you, thank you. And we're all in 832 00:41:11,800 --> 00:41:14,440 Speaker 3: this together, so let us know if you guys have 833 00:41:14,480 --> 00:41:17,120 Speaker 3: any questions, continue coming to the show. Thank you for 834 00:41:17,200 --> 00:41:20,120 Speaker 3: still listening to us with everything that's going on, and 835 00:41:20,480 --> 00:41:22,720 Speaker 3: be well. Wash your hands, yes. 836 00:41:22,719 --> 00:41:24,800 Speaker 2: Wash your hands and leave your fore k alone. 837 00:41:25,160 --> 00:41:27,839 Speaker 3: What don't touch your hands or you're four one guy? 838 00:41:28,200 --> 00:41:29,880 Speaker 2: You go touch your face your 839 00:41:29,920 --> 00:41:37,680 Speaker 3: Hand, Yeah, don't touch I'm tired, all right, Bye until 840 00:41:37,680 --> 00:41:43,120 Speaker 3: next week.