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Speaker 1: Hey, hey, Hey, Well I was I got to say

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Speaker 1: hey hey in Greek.

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Speaker 2: Just say it with a Greek accent.

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Speaker 1: A A. I don't know. I don't know what a

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Speaker 1: Greek accent sounds like. They actually it sounds a lot

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Speaker 1: like Italian. When I heard people speaking, I was like,

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Speaker 1: that sounds like Italian, but.

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Speaker 2: No sense to any of our Greek listeners.

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Speaker 1: I'm sorry, I don't have a good scope of reference.

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Speaker 2: Oh man, You're tripis amazing.

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Speaker 1: Yeah, you know, we didn't introduce ourselves.

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Speaker 2: I'm Tiffany, I'm jealous. Oh I'm Mandy is Brown.

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Speaker 1: The Greek edition. No, honestly, I have to say you

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Speaker 1: ever have you ever been like, oh my goodness, I

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Speaker 1: have a taste for something and you're not really sure

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Speaker 1: what and then you order something or you eat something

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Speaker 1: and it's exactly what you had to taste for.

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Speaker 2: Yeah, sure that's what.

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Speaker 1: That's exactly how my trip got, like where it was like, huh,

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Speaker 1: what should I order from the menu? Should I get

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Speaker 1: a burger? Should I get this? Should I get that?

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Speaker 1: You know what? I'm gonna go with the fish? And

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Speaker 1: it's like your mouth and your belly is like, yes,

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Speaker 1: this is what we needed, Like Honestly, it's definitely I

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Speaker 1: would say top five trips of my lifetime. And I've

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Speaker 1: traveled to over thirty different countries, but definitely top five.

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Speaker 2: Oh my, what did you guys like? What made it

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Speaker 2: so special?

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Speaker 1: Pray tell Honestly, it was just because I've been to

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Speaker 1: Santorini before. That's why I went this time. It was

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Speaker 1: because a few things that it's so uniquely beautiful and

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Speaker 1: like just so esthetically pleasing to the eye. Santorini is

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Speaker 1: very chill, like there's a neighboring island. It's a so

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Speaker 1: Santerini's part of like a series of kind of like

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Speaker 1: Greek islands. So Mikonos, which is next to Santorini is

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Speaker 1: like the party island, but Santorini is not. So it's

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Speaker 1: super chill. The vibe is super chill. The food was amazing.

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Speaker 1: It just was so relaxing. I mean it was almost

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Speaker 1: comotose and for the first time, like I did a

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Speaker 1: ton of work before I left, and I was like,

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Speaker 1: everybody leave me alone unless someone is dying then called

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Speaker 1: the doctor and still leave me alone. And so like

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Speaker 1: I checked in kind of like twice in Flack. I

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Speaker 1: was like, is anybody dead and they're like no. And

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Speaker 1: I remember Karen, who is my project manager, said Tiffany,

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Speaker 1: if we have just like a quick question, can we

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Speaker 1: ask it? I said absolutely not and she's like okay,

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Speaker 1: And so like literally I just checked in twice just

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Speaker 1: to make sure because I knew I thought I was like,

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Speaker 1: it's payroll coming up, so I wanted to make sure

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Speaker 1: that like I didn't get like some notification that I

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Speaker 1: had to make a transfer for payroll. So just twice,

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Speaker 1: but I literally did like no work. I think I

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Speaker 1: opened my computer to like watch Netflix a little bit.

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Speaker 1: I used my phone as it was intended for Instagram.

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Speaker 1: It was so amazing. I mean it was just because

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Speaker 1: it was so relaxing and I didn't realize just how

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Speaker 1: much I needed to relax, and I just was so grateful.

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Speaker 1: I came back feeling refreshed.

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Speaker 2: Oh that sounds awesome. I could cry listening to you

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Speaker 2: talk about that. I feel like I feel like I

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Speaker 2: was asking my husband. I was like, when's the last

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Speaker 2: time we did a vacation that was actually a vacation

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Speaker 2: that we wanted to take. It wasn't like a wedding

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Speaker 2: or a family reunion, and legit we haven't been anywhere

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Speaker 2: since our honeymoon, like a year and a half ago,

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Speaker 2: and I was like, how did that happen?

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Speaker 1: You travel a lot, so it feels like, oh, I

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Speaker 1: do go and you're like, no, that was for work.

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Speaker 1: India was cool, but that was for work. Georgia was cool,

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Speaker 1: but that was for this vacation. This, you know, this

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Speaker 1: wedding or funeral or whatever. Yeah.

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Speaker 2: I also talk myself out of it to way too much.

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Speaker 2: I got to get better about that. I feel like

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Speaker 2: a lot of our listeners probably do the same thing

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Speaker 2: where I'm like, it's okay, one more month. Next month,

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Speaker 2: I'm gonna go. The month after that, I'm gonna go.

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Speaker 2: That's what I've been saying. I've been having the exact

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Speaker 2: same conversation with my cell since probably January. Like I've

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Speaker 2: almost planned three or four vacations in the last eight months,

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Speaker 2: and I'm like, this, it's got to happen, like September,

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Speaker 2: it has got to happen October. But here I am

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Speaker 2: doing it again. I'm like, maybe not September, maybe October

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Speaker 2: is better.

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Speaker 1: Like, yeah, it was everything. I went to a black

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Speaker 1: sand beach, which was epic. I took like a boat

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Speaker 1: tour on like this thing like a pirate ship. It was.

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Speaker 1: I want to go back.

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Speaker 2: I mean I don't. I don't want to like steal

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Speaker 2: your shine. But I did go to Mini Haha Falls

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Speaker 2: in Minnesota this weekend and Minie Haha for the Ninaman

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Speaker 2: family reunion, yes ha, which honestly was like the most

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Speaker 2: stressful travel trip of my life.

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Speaker 1: And I don't even really beautiful boat.

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Speaker 2: Oh you know, it's cool. I did go to the

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Speaker 2: Mall of America a bunch. Yeah it's huge, it's pretty big.

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Speaker 2: It sure is.

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Speaker 1: Nice, but yeah, I'm And meanwhile, I came back to

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Speaker 1: three hundred you know, typically I keep my emails like

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Speaker 1: around hovering around thirty or forty. I came back to

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Speaker 1: like three hundred and fifty emails because like apparently they

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Speaker 1: were trying something out. We're trying out a new email system.

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Speaker 1: And my project manager told my my my assistant, like,

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Speaker 1: I got the emails, but she was like, wait what

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Speaker 1: wait what does this email do? Wait? And I came

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Speaker 1: back and I was like, why what what? It's so

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Speaker 1: many emails?

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Speaker 2: Don't feel sorry for you. You had a week in Santorini.

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Speaker 1: Yeah, I've said all Sunday like I woke up because

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Speaker 1: I had jeed, Like I woke up like Sunday at

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Speaker 1: like three am. By eight I was still sitting by

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Speaker 1: the computer like my my life is a email because

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Speaker 1: I was like, I'm not going with Monday with a

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Speaker 1: bajillion emails and like starting the week off like this.

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Speaker 1: So yeah, like welcome home.

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Speaker 2: I love pre pre Monday work Sunday, right, Yes, I do.

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Speaker 2: I do that too. I don't think it's I think

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Speaker 2: when you have time, I don't know it makes it.

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Speaker 2: If I can do one or two hours just to

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Speaker 2: feel a little bit better on Monday morning, I think it's.

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Speaker 1: Worth it is, honestly, and I do. I am. I

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Speaker 1: pregame on Sundays all the time because I'm like, what

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Speaker 1: you're not gonna do is kill me on Monday. You're

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Speaker 1: not going to kill me Monday. Well, you know, I'm

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Speaker 1: glad to I'm glad to be in act now.

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Speaker 2: I'm glad to have you back. And hey, you didn't

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Speaker 2: even miss a show. You're so good exactly. Let's hit

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Speaker 2: up the social media real quick. I know we have

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Speaker 2: some posts some people reacting to last week's episode, which

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Speaker 2: if you didn't listen, go listen. We talked about how

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Speaker 2: my disk assessment training changed my life forever as a manager,

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Speaker 2: and I was surprised to see some people actually have

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Speaker 2: taken the DISC training because I had never heard about

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Speaker 2: it till we took it up at my at my

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Speaker 2: company and a couple of listeners we had at who

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Speaker 2: dat Lady Rowe said Mandy Woodjrif listening to this week's

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Speaker 2: b A podcast, I heard about DISC from the Manager

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Speaker 2: Tools pod and we did it as a department. I

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Speaker 2: agree one hundred percent, highly recommend and it totally changed

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Speaker 2: the way I communicate at work. I knew you were

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Speaker 2: a high seat. Yes, I'm a high seat. I'm a

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Speaker 2: high st and it nailed me as a perfectionist. And

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Speaker 2: another tweet from at Ka Nary speaks Christy Calvert. She

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Speaker 2: says at the BA podcast, I listened to the podcast

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Speaker 2: today and I can't get It's love out of my head.

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Speaker 2: Thanks ladies, I love this song. Wait did we sing

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Speaker 2: that song?

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Speaker 1: You know what? First of all, I let me tell

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Speaker 1: you what's hilarious is that somebody was like, yo, I

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Speaker 1: can't get the best out of my head.

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Speaker 2: I thought that was maybe she's listening to an old

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Speaker 2: episode I don't remember singing that song.

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Speaker 1: I don't remember either, but you know we're always singing.

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Speaker 2: Digging in the archives, digging in the archives, someone else

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Speaker 2: on and skipping over to the grim. We had one

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Speaker 2: listener so at nacho ins nachosena at Nachos, and Day said, so,

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Speaker 2: I did a disassessment at my last job, and it

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Speaker 2: confirmed everything I said about my work style and added

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Speaker 2: some surprising stuff as well.

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Speaker 1: Yes, be best.

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Speaker 2: People love the disc. Are you gonna what are you

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Speaker 2: gonna do? Disk assessment for the Budgetissa crew.

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Speaker 1: Honestly, at this rate, I'll never dig my way out

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Speaker 1: of what we are already have going on, but I

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Speaker 1: do want to do you know it might do that

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Speaker 1: the retreat. We have a retreat next month.

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Speaker 2: Oh perfect for a retreat, mm hmm, totally perfect. There

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Speaker 2: is a I put a link to last week's show

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Speaker 2: notes it's episode one thirty nine. I put a link

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Speaker 2: to There is a like shorter version because some people

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Speaker 2: point it out that disc is like two hundred bucks

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Speaker 2: if you buy it piecemeal, like on your own, which

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Speaker 2: obviously is a lot for a personality test. But Tony

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Speaker 2: Robbin self Help Guru has like a mini version of

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Speaker 2: Disc on his website and it's free. But just know,

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Speaker 2: if you sign up for it, you're giving your email.

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Speaker 2: You're going to get all his junk mail. So I

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Speaker 2: might you might. You might do what my husband did,

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Speaker 2: which just sign up real quick with a junk email

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Speaker 2: and then like just let the emails flood that junk account.

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Speaker 1: Now. Yeah, and a lot of people have like a

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Speaker 1: junk you have a junk email.

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Speaker 2: Oh okaunt, Oh yeah for sure. Okay, It's what I

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Speaker 2: give people at checkout, and it's what I give just

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Speaker 2: any time. I know I'm going to get signed up

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Speaker 2: for some newsletter but I want to save ten percent

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Speaker 2: or whatever.

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Speaker 3: Yeah, yes, it's time for brown break Brown boo.

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Speaker 1: Ooh you know what I'm gonna take. I know what

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Speaker 1: I'm gonna do. Sorry, I just thought about it because

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Speaker 1: I just saw some shadiness on I was in the

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Speaker 1: Twitter streets looking at our brown ambition folks that have

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Speaker 1: been writing us, and I realized that, uh, there's some

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Speaker 1: Twitter beef going on. So I'm actually gonna take a

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Speaker 1: brown break from Twitter boost from Twitter beef because it

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Speaker 1: just seems so ridiculous. So, you know, Nicki Minaj, I'm

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Speaker 1: sure you're aware because you're a millennial heard of her?

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Speaker 2: Right?

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Speaker 1: So did you know that Nicki Minaj had an ex

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Speaker 1: boyfriend that she was with for a very long time.

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Speaker 1: Some people even say maybe I was her secret husband.

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Speaker 1: His name is Safari. Are you aware?

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Speaker 2: Ah?

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Speaker 1: No?

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Speaker 2: Am I in trouble?

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Speaker 4: If I say no, you're the oldest oldest millennial of time.

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Speaker 4: So anyway, Safari, who has been on love and hip hop?

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Speaker 4: I know, I know all the drop because this is

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Speaker 4: what I do when I'm not doing work. I need

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Speaker 4: some ratchetness anyway.

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Speaker 1: So I don't know what happened, but they've been going

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Speaker 1: back and forth at each other on Twitter for no

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Speaker 1: apparent reason. And Nicki Minaj is successful, she's beautiful, she

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Speaker 1: has a new album out, and it just doesn't make

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Speaker 1: sense to I don't know, fight on Twitter on social media.

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Speaker 1: So I just want us all to take a.

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Speaker 2: Brown break, Like, who's she fighting with?

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Speaker 1: Safari? I don't know they've they've broken up. They broke

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Speaker 1: up years ago, and so it's just Foolishis just made

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Speaker 1: me think to myself that you know how people are,

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Speaker 1: like they'll address like you know their their audience and

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Speaker 1: say when someone says X y z T, you or

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Speaker 1: they'll address some negativity or whatever. And I always say

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Speaker 1: to myself, it's just really worth it, like, you know,

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Speaker 1: like social media beef. You know, I just feel like

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Speaker 1: like just even with our current you know, Commander in

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Speaker 1: Chief addressing a woman as a dog on Twitter. So

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Speaker 1: I just wanted to also take a brown break from

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Speaker 1: social media beef because it just was like it lives

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Speaker 1: on forever and it's so ugly and so unnecessary, you

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Speaker 1: know what I mean.

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Speaker 2: All Right, I'll stop calling you trash on Twitter?

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Speaker 1: You back? I set?

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Speaker 2: Yeah, who has time for Twitter? What about me? So

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Speaker 2: I'm gonna give a brown So one thing I really

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Speaker 2: give kudos to this weekend. So my poor uncle, I

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Speaker 2: remember I said, I was at the Niniman family reunion.

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Speaker 2: That's my grandma's side of the family. God rest her soul.

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Speaker 2: So my uncle was in charge of bringing all of

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Speaker 2: these photo albums, like compiling all the photos from the

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Speaker 2: family onto some flash drives and onto laptops and stuff

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Speaker 2: so we can set them up at our little reunion party.

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Speaker 2: And the poor guy had to check his bag at

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Speaker 2: the airport and ends up getting lost. The bag did

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Speaker 2: not make it to the carousel. Either that or someone

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Speaker 2: stole it off the carousel in Minneapolis. But fortunately, I

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Speaker 2: mean unfortunately, because you can't replace you know, the flash

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Speaker 2: stripes with the photos on them, or the laptop even

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Speaker 2: but his credit card had lost baggage protection, and a

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Speaker 2: lot of good travel cards have this, and I think

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Speaker 2: he's covered for some of the monetary value of the

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Speaker 2: possessions that he lost, which is pretty dope. So if

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Speaker 2: you ever lose your baggage, check your check the credit

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Speaker 2: card that you use to pay for the flight and

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Speaker 2: see if you have baggage protection, because it's a nice

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Speaker 2: little perk.

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Speaker 1: Is that? Like? Do you know what kind of card

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Speaker 1: he had?

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Speaker 2: I didn't ask him, but I know, for example that

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Speaker 2: the like, if you're paying an annual fee for a

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Speaker 2: travel card, it's highly likely that they have some some

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Speaker 2: type of lost baggage protection.

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Speaker 1: Oh it does ours. You know, we have the adventure

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Speaker 1: jump on a plane and jump on an airplane card. Remember

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Speaker 1: I never know the.

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Speaker 2: Name of our card, good time card.

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Speaker 1: You're like, oh, is there an adventure? Wasn't aware?

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Speaker 2: Let me bookmark back to check during the show and

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Speaker 2: I'll let you know. Okay, but I'm pretty sure it does.

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Speaker 2: But I don't want to misspeak.

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Speaker 1: Okay, oh all right, Well we have questions. Question, how

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Speaker 1: you gonna name that band?

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Speaker 2: Mandy, name it?

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Speaker 1: Name it? You have five second.

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Speaker 2: That's a song.

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Speaker 1: Oh my gosh. Question how you go? Wait?

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Speaker 2: That's okay, that's Destiny's Child. But you didn't do them.

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Speaker 2: I had to work really hard to put that in

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Speaker 2: the right key.

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Speaker 1: Oh my god, I am off key like a mug.

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Speaker 1: Oh my gosh. Anyway, it's questioned.

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Speaker 2: So our first question comes from listener Mikayla. She says, hey, ladies,

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Speaker 2: I love the podcast. You guys are truly goals. I

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Speaker 2: think this may be a case by Kse situation. But

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Speaker 2: how much did you did you all or would you

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Speaker 2: have liked to have saved by age thirty? Sometimes I

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Speaker 2: feel like I'm rushing and my loans feel crippling from

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Speaker 2: time to time. Can I think cation purchase a home

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Speaker 2: and pay back my loan my loan debt from Mikayla,

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Speaker 2: So basically, how much? How much? So we're both over thirty,

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Speaker 2: but how much did we have saved? And how much

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Speaker 2: do you wish you could have saved by age thirty?

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Speaker 1: Let me tell you what I had saved that by

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Speaker 1: age thirty. I had negative three hundred thousand. Okay, like legitimately,

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Speaker 1: I owed a mortgage that I had foreclosed on. I

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Speaker 1: had a fifty thousand dollars student loan debt, and I

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Speaker 1: also had like thirty something thousand on like credit card

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Speaker 1: debt and some other debts. Basically, yeah, so it was

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Speaker 1: like a little over three hundred thousand. That's an at

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Speaker 1: age thirty. Well, all my twenty nine, twenty thirtieth birthday,

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Speaker 1: I had to move back home and sleep in my

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Speaker 1: middle school bed and I stay with my parents for

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Speaker 1: about a year. So that's what my life was looking

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Speaker 1: like at thirty. So ideally, I probably would have liked

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Speaker 1: to have I don't know, like maybe like fifty thousand

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Speaker 1: dollars to fifty to one hundred thousand, I guess, like

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Speaker 1: not necessarily saved in cash, but like cash for tiring,

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Speaker 1: like you know, like assets, I guess. But honestly, thirty

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Speaker 1: for me was such a crazy time because it was

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Speaker 1: like the height of the recession, and so I was

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Speaker 1: just trying to be like hmmm, beans and rice or just.

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Speaker 2: Rice fair enough, fair enough, And yeah, well thirty was

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Speaker 2: so long ago. It was a year ago, So about

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Speaker 2: a year ago, if I'm not counting, so I didn't

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Speaker 2: have debt when I was thirty, and I did start

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Speaker 2: contributing to a four to one K when I was

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Speaker 2: about twenty four, and I didn't mention. Mikaela says she's

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Speaker 2: twenty two, so she has eight years. I was around

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Speaker 2: her age when I opened up my first four or

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Speaker 2: one K, and I had been slowly steadily paying it

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Speaker 2: off and my income that had gotten increasingly bigger over

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Speaker 2: the years, and by thirty, I would say I had

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Speaker 2: saved about with four one K and my cash savings

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Speaker 2: a little hundred one hundred thousand dollars at age thirty.

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Speaker 2: But that that may sound like a lot of I mean,

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Speaker 2: it is a lot, but I think I only got

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Speaker 2: there because I started saving so early in my twenties

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Speaker 2: and I wasn't earning very much when I was saving.

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Speaker 2: But I'll tell you what happened. The timing was perfect

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Speaker 2: for me, So I started saving in like twenty ten,

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Speaker 2: at the bottom of the market. And so what happened is,

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Speaker 2: like I can tell you one of my accounts I

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Speaker 2: haven't even touched since I left my job that I

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Speaker 2: first opened my four one K. I just kind of

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Speaker 2: kept it in my Vanguard account, and it has made money, money, money,

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Speaker 2: nothing but money in the year since the recession because

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Speaker 2: the market has improved. We just yeah, it's been a

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Speaker 2: really strong stock market lately. So everything I had invested

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Speaker 2: at a low cost back in the twenty ten has

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Speaker 2: just like boomed since then. And I couldn't predict that.

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Speaker 2: But I'm so happy that I started investing early because

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Speaker 2: my money has had time to grow over time. So well,

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Speaker 2: I you a.

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Speaker 1: Lucky ducky to have invested at the bottom. Meanwhile, I

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Speaker 1: was like, let's see, I timed the market just right

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Speaker 1: to be like, let me get it at the very

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Speaker 1: tap and crash ooh it's a fun ride down.

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Speaker 2: Yeah. You I don't know, you turned out fine. I

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Speaker 2: think you're fine at Santorini.

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Speaker 1: Yeah, well yeah, I mean I definitely was, you know,

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Speaker 1: but it was Yeah. So I say, there's no real

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Speaker 1: rhyme re like, you know what, honestly, this is a

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Speaker 1: perfect illustration, right, Mandy. So you were you know, you

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Speaker 1: got into the market perfect timing and it worked out great.

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Speaker 1: I got into the market the worst timing and it

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Speaker 1: still worked out great. So I guess I hope the

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Speaker 1: lesson in all of that is really just like that,

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Speaker 1: it's not so much it's not so much the things

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Speaker 1: that you can't control, it's the ones that you can.

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Speaker 1: So I lived really simply. I saved safe safe, and

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Speaker 1: I began investing. And it took me really until like

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Speaker 1: thirty five until I was a place to really be

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Speaker 1: able to have enough to start investing. And now that

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Speaker 1: I'm thirty eight and I'm more than fine. So I

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Speaker 1: don't not I mean, the earlier you could start, the better,

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Speaker 1: But it's never too late to do something, and it

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Speaker 1: doesn't mean it's the end of the world just because

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Speaker 1: something bad happens.

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Speaker 2: Yeah, there's there's like really there's rule of thumbs out there,

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Speaker 2: Like I was when I got Michaela's question. I remember

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Speaker 2: JP Morgan Chase puts out this annual guide to retirement

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Speaker 2: and in this guide they have this chart and it's

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Speaker 2: kind of like find your age and then find your income,

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Speaker 2: and then you know, you find the point on the

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Speaker 2: chart and it kind of tells you what your target

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Speaker 2: savings goal should be. So, for example, if I'm age thirty,

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Speaker 2: I'm gonna put this chart in the notes of the podcast.

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Speaker 2: But if I'm age thirty and I'm earning seventy five

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Speaker 2: thousand dollars. This guide says I should be saving at

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Speaker 2: least one point one point one times that household income.

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Speaker 2: So what's one point one times over? So just about

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Speaker 2: one year salary, So seventy five thousand bo boop bee poop.

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Speaker 2: That's eighty two thousand, five hundred. That's how much you

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Speaker 2: want to have saved by that time. Now, if you're

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Speaker 2: listening right now, I know a lot of our listeners

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Speaker 2: are in their thirty and they're in the car right

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Speaker 2: now sweating. If you don't have that much saving and retirement,

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Speaker 2: it's not meant to make you feel bad. If you're

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Speaker 2: saving anything at all, it's better than, you know, obviously,

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Speaker 2: saving nothing. But it's nice to have a goal to

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Speaker 2: aspire to. It's nice to have something to want to achieve.

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Speaker 2: But if you're like Mikayla, and one thing that she

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Speaker 2: also mentioned in her notice that she has about fifty

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Speaker 2: thousand dollars worth of student loan debt with AUTODI, it

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Speaker 2: may not be possible to put that much money aside

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Speaker 2: by age thirty. Maybe the next eight years for you

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Speaker 2: are more about hunkering down and paying off that debt

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Speaker 2: first because you have to look at paying off debt

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Speaker 2: as a form of wealth building as well. I was lucky,

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Speaker 2: and second times over because I went to a state

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Speaker 2: school and I only graduated with seven thousand dollars in

402
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Speaker 2: student loan debt, so I didn't have the big you know,

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Speaker 2: student loan debt holding me back. And I completely I

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Speaker 2: recognize that privilege. I recognize that fortune because I know,

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Speaker 2: like a lot of my friends are struggling because they,

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Speaker 2: you know, had more student student debt than I did.

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Speaker 2: And you're you're only twenty two, you have so much

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Speaker 2: time ahead of you. Yeah, So I would.

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Speaker 1: Say, honestly, I would use the time, like Bady said,

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Speaker 1: use this time to pay down debt. Use this time

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Speaker 1: to stack stack, stack safe, safe, safe, so you can invest,

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Speaker 1: quite honestly, exactly.

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Speaker 2: And even if you're paying off your student loan debt

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Speaker 2: right now, which is good, you know, continue doing that.

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Speaker 2: You don't doesn't mean it doesn't mean that you don't

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Speaker 2: need to open up a four to one K. You

417
00:19:55,440 --> 00:19:57,280
Speaker 2: can open up your four to one K. Like if

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Speaker 2: your company offers a match, at least contribute enough to

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Speaker 2: capture that match, and then you know, contribute what you

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Speaker 2: possibly as much as you possibly can to your four

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Speaker 2: one K and then continue like increasing it as your

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Speaker 2: debt starts going down over the years.

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Speaker 1: Yeah, but all in now, if you put the work in,

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Speaker 1: usually something that comes out.

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Speaker 2: Yes, maam okay. So next question comes from listener Ashland.

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Speaker 2: That's a cool name. I'm Ashland and I'm brown. Okay,

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Speaker 2: wait a second, there was instructions. She said, please say

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Speaker 2: this in a happy voice. I'm Ashland and I'm Brown. Yes, Aslan,

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Speaker 2: So I have a quick wedding question. Ashland says, I

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Speaker 2: recently got engaged and I've become low key overwhelmed with

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Speaker 2: wedding planning. The wedding date is March thirtieth, twenty nineteen.

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Speaker 2: Before the engagement, I never wanted a big wedding book, girl,

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Speaker 2: things have changed.

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Speaker 1: Show.

435
00:20:48,840 --> 00:20:50,360
Speaker 2: I can just tell the parents are here. I can

436
00:20:50,359 --> 00:20:53,080
Speaker 2: I just feel it coming. Things have changed. We are

437
00:20:53,119 --> 00:20:55,879
Speaker 2: expecting at least two hundred or maybe a little more.

438
00:20:56,240 --> 00:20:58,800
Speaker 2: My parents are pastor's guests at the wedding.

439
00:20:59,119 --> 00:20:59,840
Speaker 1: Yeah.

440
00:21:00,080 --> 00:21:02,520
Speaker 2: Ouch, that's like twice my wedding. I know you both

441
00:21:02,600 --> 00:21:04,760
Speaker 2: understand me when I say weddings are expensive. I want

442
00:21:04,800 --> 00:21:06,080
Speaker 2: a nice wedding, but I don't want to live in

443
00:21:06,119 --> 00:21:11,320
Speaker 2: poverty fair enough? How do we as newly weds? What

444
00:21:11,320 --> 00:21:13,879
Speaker 2: would you suggest regarding how to plan a nice wedding

445
00:21:13,920 --> 00:21:17,680
Speaker 2: without breaking the bank. Any suggestions regarding how to effectively

446
00:21:17,720 --> 00:21:22,080
Speaker 2: plan a budget friendly honeymoon would be appreciated as well.

447
00:21:22,320 --> 00:21:27,160
Speaker 2: So how about those two hundred people? Can you cut

448
00:21:27,200 --> 00:21:29,040
Speaker 2: like seventy five percent of them?

449
00:21:29,920 --> 00:21:32,800
Speaker 1: Yeah? Because it's it's just there's no way to have

450
00:21:33,320 --> 00:21:37,680
Speaker 1: a relatively inexpensive wedding and have three hundred people. I mean,

451
00:21:37,800 --> 00:21:39,760
Speaker 1: like eat, like what a it's not going to be

452
00:21:39,760 --> 00:21:45,080
Speaker 1: five dollars person? You know, well how much? What? How

453
00:21:45,119 --> 00:21:47,280
Speaker 1: much did people cost per person for your wedding?

454
00:21:47,920 --> 00:21:50,119
Speaker 2: I think about one hundred dollars? Actually I'm not I

455
00:21:50,160 --> 00:21:52,560
Speaker 2: don't think I know one hundred and five dollars per person.

456
00:21:52,600 --> 00:21:56,359
Speaker 2: That covered food and open bar and the venue and

457
00:21:56,400 --> 00:21:58,439
Speaker 2: all that kind of stuff. So believe me, when when

458
00:21:58,480 --> 00:22:01,560
Speaker 2: people didn't show up, I tap calculated how much money

459
00:22:01,880 --> 00:22:02,200
Speaker 2: was spent.

460
00:22:02,840 --> 00:22:05,440
Speaker 1: Oh yeah, and that sucks. We don't show up anyway,

461
00:22:05,440 --> 00:22:08,280
Speaker 1: they owe you money. But I'm the worst person to ask,

462
00:22:08,280 --> 00:22:11,639
Speaker 1: because honestly, I refused to participate. I was like, I sorry,

463
00:22:11,680 --> 00:22:14,520
Speaker 1: got just clapping. Refused to participate.

464
00:22:15,240 --> 00:22:17,679
Speaker 2: I refused, Well, you enjoyed that chicken biscuit bart my

465
00:22:17,680 --> 00:22:18,400
Speaker 2: wedding Dinnis show.

466
00:22:18,680 --> 00:22:22,480
Speaker 1: I honestly, yo, I'm not gonna lie. Mandy's wedding like,

467
00:22:22,640 --> 00:22:25,080
Speaker 1: hands down, definitely top three weddings of all time, but

468
00:22:25,400 --> 00:22:28,080
Speaker 1: that e been too. It was so much fun and honestly,

469
00:22:28,359 --> 00:22:29,720
Speaker 1: and the reason why I didn't have one is not

470
00:22:29,760 --> 00:22:31,760
Speaker 1: because I didn't. You know, I don't like the next things.

471
00:22:31,840 --> 00:22:35,880
Speaker 1: I honestly hate planning events. I hate being the scent

472
00:22:36,040 --> 00:22:37,919
Speaker 1: like if I'm speaking, that's fine, but I don't like

473
00:22:38,040 --> 00:22:40,680
Speaker 1: personally as Tiffany, being the center of attention. I felt

474
00:22:40,720 --> 00:22:43,480
Speaker 1: so uncomfortable the whole time. So I was like, okay, guys, bye, okay,

475
00:22:43,520 --> 00:22:47,240
Speaker 1: guys bye. So yeah, that's why for me. You know,

476
00:22:47,280 --> 00:22:50,160
Speaker 1: I spent twenty five hundred dollars. A friend of mine

477
00:22:50,680 --> 00:22:53,000
Speaker 1: let us use her restaurant. It was like a Wednesday,

478
00:22:53,680 --> 00:22:56,720
Speaker 1: and I got married at just as the piece and

479
00:22:56,760 --> 00:22:58,840
Speaker 1: I had literally like Mandy, how many people were just saying,

480
00:22:59,160 --> 00:23:02,760
Speaker 1: was that like maybe like thirty people? Yeah? Yeah, And

481
00:23:02,960 --> 00:23:05,600
Speaker 1: that was it, Like, you know, we bought liquor from wherever.

482
00:23:05,680 --> 00:23:07,280
Speaker 1: I'm like, do we even have hooker? I don't even know.

483
00:23:08,119 --> 00:23:09,760
Speaker 1: I just was like, can you guys go home? I

484
00:23:09,800 --> 00:23:14,600
Speaker 1: hate this, so but I say this that I would

485
00:23:14,760 --> 00:23:17,199
Speaker 1: list the things that are the most expensive parts of

486
00:23:17,240 --> 00:23:22,640
Speaker 1: your wedding and figure out how you can like dress, alcohol, venue,

487
00:23:23,080 --> 00:23:25,200
Speaker 1: and figure out like what can what can you do,

488
00:23:25,600 --> 00:23:28,320
Speaker 1: what unique things can you do to keep these these

489
00:23:28,359 --> 00:23:30,280
Speaker 1: costs down? Because that's where well, I mean, I guess

490
00:23:30,320 --> 00:23:32,640
Speaker 1: you say, Mandy, like what where were the places where

491
00:23:32,680 --> 00:23:33,959
Speaker 1: you could kind of say, well, you know what, if

492
00:23:33,960 --> 00:23:36,480
Speaker 1: we pull back here, we could still have something really

493
00:23:36,520 --> 00:23:37,200
Speaker 1: nice over here.

494
00:23:37,600 --> 00:23:40,000
Speaker 2: Yeah, a couple of strategies we use sour our wedding

495
00:23:40,040 --> 00:23:43,280
Speaker 2: really wasn't unaffordable. I mean, one, we had the wedding

496
00:23:43,320 --> 00:23:44,800
Speaker 2: that we wanted, so for me, the money that we

497
00:23:44,840 --> 00:23:46,440
Speaker 2: spent was worth it in the end. So I think

498
00:23:46,480 --> 00:23:48,159
Speaker 2: what happens if you're not having the wedding that you

499
00:23:48,200 --> 00:23:50,120
Speaker 2: want and you're spending money on it, It just makes

500
00:23:50,119 --> 00:23:52,680
Speaker 2: you feel like crap afterwards. So I would say take

501
00:23:52,720 --> 00:23:56,240
Speaker 2: control early and set barriers. Set ground rules for your

502
00:23:56,280 --> 00:23:59,080
Speaker 2: parents who want to keep adding guests. Talk to your

503
00:23:59,080 --> 00:24:00,840
Speaker 2: parents if they're going to be adding guests, see if

504
00:24:00,840 --> 00:24:03,960
Speaker 2: they'll actually pay for their pay for the cost of

505
00:24:04,000 --> 00:24:06,160
Speaker 2: adding them to your reception because that's where the real

506
00:24:06,160 --> 00:24:08,320
Speaker 2: money is spent at the reception. So one area that

507
00:24:08,359 --> 00:24:11,040
Speaker 2: we definitely cut was on the flowers. We decided early

508
00:24:11,080 --> 00:24:12,800
Speaker 2: that that's not any money that we wanted to spend,

509
00:24:12,920 --> 00:24:15,240
Speaker 2: so we just like for my rehearsal dinner, my friends

510
00:24:15,240 --> 00:24:17,800
Speaker 2: bought flowers from like the grocery store and they looked

511
00:24:17,800 --> 00:24:18,959
Speaker 2: really nice, let me just tell you.

512
00:24:19,400 --> 00:24:20,959
Speaker 1: And they were beautiful. I mean, I was gonna say,

513
00:24:20,960 --> 00:24:23,119
Speaker 1: I didn't even notice like no flowers because it was

514
00:24:23,200 --> 00:24:25,359
Speaker 1: so it was like twilight and you had beautiful flower

515
00:24:25,520 --> 00:24:28,720
Speaker 1: It was beautiful. Honestly. You picked such a great location

516
00:24:29,440 --> 00:24:31,679
Speaker 1: in Savannah, which is like one of my favorite American cities,

517
00:24:31,720 --> 00:24:35,680
Speaker 1: that it just it added to like the ambiance, so

518
00:24:35,720 --> 00:24:37,600
Speaker 1: I didn't I didn't miss flowers.

519
00:24:38,119 --> 00:24:40,920
Speaker 2: Yeah, and like the setting, you know, just having it.

520
00:24:41,040 --> 00:24:43,760
Speaker 2: Destination wedding in general sometimes helps you trim the guest

521
00:24:43,840 --> 00:24:47,720
Speaker 2: list naturally because fewer people are likely to travel, and

522
00:24:47,760 --> 00:24:49,359
Speaker 2: that's one way you could do it. If you if

523
00:24:49,400 --> 00:24:51,399
Speaker 2: you can get away with doing a destination wedding, that

524
00:24:51,480 --> 00:24:54,080
Speaker 2: sometimes can be more affordable and you kind of passed

525
00:24:54,119 --> 00:24:56,120
Speaker 2: the cost onto your guests, but then you can kind

526
00:24:56,160 --> 00:24:58,800
Speaker 2: of bill it as oh, you're getting an experience. Come

527
00:24:58,840 --> 00:25:03,680
Speaker 2: to my wedding and you Puntacana or Florida or wherever. Yeah,

528
00:25:03,720 --> 00:25:06,400
Speaker 2: and what Tiffany did too, where you had a private

529
00:25:06,400 --> 00:25:09,439
Speaker 2: wedding and then a bigger reception afterward. That's one idea

530
00:25:09,480 --> 00:25:15,000
Speaker 2: to invite some people to I don't know, maybe have

531
00:25:15,080 --> 00:25:17,320
Speaker 2: a smaller Here's one way you can save, like Tiffany,

532
00:25:17,359 --> 00:25:19,960
Speaker 2: if you had if you had had your your reception

533
00:25:20,040 --> 00:25:21,680
Speaker 2: that you had the day after or sorry, the same

534
00:25:21,720 --> 00:25:23,880
Speaker 2: day that you got married, if you did something like that,

535
00:25:23,960 --> 00:25:26,600
Speaker 2: like a small intimate dinner where you're paying for everyone's

536
00:25:26,600 --> 00:25:29,760
Speaker 2: food yliquer, and then afterward you have a bigger party,

537
00:25:30,080 --> 00:25:32,199
Speaker 2: you know, at a public place where it's not like

538
00:25:32,240 --> 00:25:33,720
Speaker 2: you're paying for food and drinks or anything.

539
00:25:33,840 --> 00:25:36,240
Speaker 1: I like that A nice idea that could be.

540
00:25:36,359 --> 00:25:37,480
Speaker 2: That could be one option too.

541
00:25:38,080 --> 00:25:40,919
Speaker 1: Yeah, and honestly too, if you had the cash, like

542
00:25:41,000 --> 00:25:42,600
Speaker 1: for the wedding. So let's just say you guys are

543
00:25:42,640 --> 00:25:44,439
Speaker 1: saving and you have the cash. What I would do,

544
00:25:44,560 --> 00:25:47,280
Speaker 1: just because you asked about the honeymoon is I would

545
00:25:48,240 --> 00:25:50,680
Speaker 1: use a travel card to swipe for things and then

546
00:25:50,720 --> 00:25:53,520
Speaker 1: pay off the card and then you know it earned

547
00:25:53,520 --> 00:25:56,400
Speaker 1: the points to to to get the flight for free.

548
00:25:56,880 --> 00:25:59,280
Speaker 2: You know what, they mess you up though, because I

549
00:25:59,280 --> 00:26:00,840
Speaker 2: thought I was going to do the same thing. I mean,

550
00:26:00,880 --> 00:26:02,480
Speaker 2: I did end up earning a lot of points for

551
00:26:02,600 --> 00:26:05,840
Speaker 2: my wedding related expenses and stuff that helped me pay

552
00:26:05,840 --> 00:26:07,679
Speaker 2: for the honeymoon. But I found that a lot of

553
00:26:07,760 --> 00:26:11,080
Speaker 2: venues will charge you like a three percent credit processing fee.

554
00:26:12,440 --> 00:26:14,159
Speaker 2: So yeah, and at the most you're going to get

555
00:26:14,160 --> 00:26:16,960
Speaker 2: three percent cash back on credit cards now, so it's

556
00:26:16,960 --> 00:26:20,200
Speaker 2: like it kind of negates, oh, the value. So if

557
00:26:20,280 --> 00:26:22,600
Speaker 2: just just pay attention to that, don't swipe if there's

558
00:26:22,640 --> 00:26:25,200
Speaker 2: like it'll it'll take away the benefit if they charge

559
00:26:25,200 --> 00:26:28,119
Speaker 2: a credit processing fee. So just keep that in mind.

560
00:26:28,160 --> 00:26:30,520
Speaker 2: And I mean, you still have time to do what

561
00:26:30,640 --> 00:26:32,440
Speaker 2: I did, which is take out a credit card that

562
00:26:32,520 --> 00:26:36,080
Speaker 2: had a good sign up bonus and then you know,

563
00:26:36,160 --> 00:26:37,880
Speaker 2: as long as you can afford it and you can

564
00:26:37,920 --> 00:26:40,239
Speaker 2: fit it into your finances and then use it so

565
00:26:40,280 --> 00:26:42,320
Speaker 2: that you have some points in the bank that you

566
00:26:42,320 --> 00:26:45,000
Speaker 2: can then use and put toward your honeymoon and.

567
00:26:45,040 --> 00:26:47,840
Speaker 1: Twenty nineteen, Okay, that's smart.

568
00:26:48,640 --> 00:26:52,040
Speaker 2: But at the just just barriers, man barriers, ground rules,

569
00:26:52,160 --> 00:26:55,960
Speaker 2: keep the parents in line, Like just take controls your day. Yeah,

570
00:26:56,119 --> 00:26:57,919
Speaker 2: if you piss. I think people are so afraid to

571
00:26:57,920 --> 00:27:00,040
Speaker 2: piss people off, and like you know, they want we

572
00:27:00,119 --> 00:27:01,760
Speaker 2: want to please everybody on our wedding, and it just

573
00:27:01,800 --> 00:27:05,120
Speaker 2: so quickly can become everybody else's day but yours. And

574
00:27:05,160 --> 00:27:07,080
Speaker 2: I'm really proud that we were able to keep our

575
00:27:07,160 --> 00:27:09,480
Speaker 2: day about what we wanted and when we found valuable.

576
00:27:09,520 --> 00:27:11,240
Speaker 2: And also shout out to my family for not being

577
00:27:11,440 --> 00:27:14,520
Speaker 2: ridiculous drama queens. But if that's what you know, you

578
00:27:14,560 --> 00:27:17,040
Speaker 2: talk about your parents wanting to invite more people, just

579
00:27:17,400 --> 00:27:19,800
Speaker 2: set ground rules, ask them to contribute, and don't be

580
00:27:19,840 --> 00:27:20,479
Speaker 2: shy about it.

581
00:27:21,440 --> 00:27:24,160
Speaker 1: Yeah, it could be crazy. Because when my friends got

582
00:27:24,160 --> 00:27:26,760
Speaker 1: married and she cut her mother off from invitations, her

583
00:27:26,760 --> 00:27:27,960
Speaker 1: mother started photocapping it.

584
00:27:27,960 --> 00:27:29,240
Speaker 2: It was like, oh my god.

585
00:27:29,119 --> 00:27:30,440
Speaker 1: I don't care. I don't care what they look like.

586
00:27:30,440 --> 00:27:32,040
Speaker 1: I'm giving it to my friends. I was like, oh

587
00:27:32,040 --> 00:27:35,560
Speaker 1: my yo. Her wedding was with donkey like it was. I.

588
00:27:35,560 --> 00:27:37,000
Speaker 1: I had never seen that many people in one place.

589
00:27:37,040 --> 00:27:40,080
Speaker 1: I'm like, this is a fire hazard. And she looked

590
00:27:40,280 --> 00:27:42,119
Speaker 1: angry the whole wedding and I was like yea, ye

591
00:27:42,359 --> 00:27:45,760
Speaker 1: oh for her, I know. Literally, I turned to my mama,

592
00:27:45,760 --> 00:27:48,240
Speaker 1: I looked at her. I said, never and she was like,

593
00:27:48,320 --> 00:27:51,800
Speaker 1: I know. I was like, we're not doing this, Like

594
00:27:51,920 --> 00:27:54,520
Speaker 1: I this is crazy. She's like, it is honestly, her

595
00:27:54,560 --> 00:27:57,440
Speaker 1: mother took it too far, but you know, it ended

596
00:27:57,480 --> 00:27:59,239
Speaker 1: up well. She's got like three beautiful kids and she's

597
00:27:59,280 --> 00:28:01,120
Speaker 1: been married for like, I don't know, ten years now.

598
00:28:01,200 --> 00:28:03,600
Speaker 1: So it was one day, but I'm sure it's one day.

599
00:28:03,600 --> 00:28:05,479
Speaker 1: She looks back at it, she's like, my mom's crazy.

600
00:28:06,240 --> 00:28:10,960
Speaker 2: Yes, Well, good luck Mikayla or sorry, good luck Ashlyn.

601
00:28:11,520 --> 00:28:14,880
Speaker 2: One last question, let's do it okay. This one comes

602
00:28:14,920 --> 00:28:19,040
Speaker 2: from listener Charrelle. Okay. Charrelle says, when I was twenty one,

603
00:28:19,119 --> 00:28:21,440
Speaker 2: dumb and in love, I made a terrible financial decision

604
00:28:21,600 --> 00:28:25,439
Speaker 2: as you do, as you do. Yeah, how do you

605
00:28:25,480 --> 00:28:26,400
Speaker 2: know I knew?

606
00:28:26,720 --> 00:28:27,000
Speaker 1: You know?

607
00:28:27,520 --> 00:28:27,880
Speaker 4: I knew?

608
00:28:28,480 --> 00:28:28,680
Speaker 1: Yes.

609
00:28:28,800 --> 00:28:31,240
Speaker 2: So, she says, my ex boyfriend co signed for my

610
00:28:31,320 --> 00:28:33,200
Speaker 2: car because I didn't make enough money to get the

611
00:28:33,240 --> 00:28:36,760
Speaker 2: car I wanted. He offered to do it after I refinanced.

612
00:28:36,760 --> 00:28:39,600
Speaker 2: Two years later, we broke up, but then after that

613
00:28:39,840 --> 00:28:42,400
Speaker 2: his credit sucked and I decided to return the favor

614
00:28:42,480 --> 00:28:46,200
Speaker 2: when he asked me to co sign a car for him.

615
00:28:46,560 --> 00:28:50,400
Speaker 2: So she thinks, so she's paid off her car. She

616
00:28:50,520 --> 00:28:52,680
Speaker 2: refinanced out of her loan to get him off of it,

617
00:28:52,760 --> 00:28:54,760
Speaker 2: and then he comes around later and asks her to

618
00:28:55,640 --> 00:28:59,280
Speaker 2: co sign alone for his car. Okay, So she says,

619
00:28:59,280 --> 00:29:01,360
Speaker 2: it's been three since he's had the car and he's

620
00:29:01,400 --> 00:29:03,400
Speaker 2: never paid the car note on time and has done

621
00:29:03,840 --> 00:29:07,440
Speaker 2: and hastip multiple times asked for a deferment. I've pressed

622
00:29:07,480 --> 00:29:10,000
Speaker 2: him about refinancing it so I can get off the loan,

623
00:29:10,440 --> 00:29:13,719
Speaker 2: but he always says I'm working on it. Fast forward today,

624
00:29:13,800 --> 00:29:15,760
Speaker 2: I get an alert from Credit Karma that my seven

625
00:29:15,840 --> 00:29:20,480
Speaker 2: hundred plus credit score has dropped to the six fifties. Yeah,

626
00:29:20,560 --> 00:29:23,640
Speaker 2: he's over one hundred or sorry, he's over one thousand

627
00:29:23,720 --> 00:29:27,320
Speaker 2: dollars past due on his payments. Right now, part of

628
00:29:27,320 --> 00:29:28,840
Speaker 2: me wants to tell him to turn the car in

629
00:29:28,920 --> 00:29:31,320
Speaker 2: for repossession, and I'll have to swallow that because I

630
00:29:31,360 --> 00:29:34,440
Speaker 2: made a poor financial decision based on emotions. So my

631
00:29:34,560 --> 00:29:37,520
Speaker 2: question is what's worse a whole bunch of late payments

632
00:29:37,680 --> 00:29:40,760
Speaker 2: or a voluntary repo. I'm going to have a nervous

633
00:29:40,760 --> 00:29:43,200
Speaker 2: breakdown because I've worked so hard not to have lazy,

634
00:29:43,280 --> 00:29:45,800
Speaker 2: lousy credit like the rest of my family, and I

635
00:29:45,840 --> 00:29:48,440
Speaker 2: want this situation to be over in the least detrimental way.

636
00:29:48,640 --> 00:29:50,400
Speaker 2: I really love your guys opinion on this.

637
00:29:52,080 --> 00:29:54,520
Speaker 1: First I was like, yeah, he calls out of you girl. Yeah,

638
00:29:54,560 --> 00:29:59,960
Speaker 1: that's this mistake. And I was like, oh, after.

639
00:29:59,760 --> 00:30:01,040
Speaker 2: The broken up, that's so.

640
00:30:01,960 --> 00:30:04,880
Speaker 1: I I you know, I'm not gonna say I've never

641
00:30:05,040 --> 00:30:08,280
Speaker 1: I let me tell you Superman and I got into

642
00:30:08,320 --> 00:30:14,520
Speaker 1: like a very strong conversation when he wanted me to well,

643
00:30:14,600 --> 00:30:17,440
Speaker 1: it wasn't even because if the worst arguments are always

644
00:30:17,440 --> 00:30:19,560
Speaker 1: the fictional ones, like he was like, I would say, oh,

645
00:30:19,560 --> 00:30:21,320
Speaker 1: I told him I would never co sign, and that

646
00:30:21,560 --> 00:30:23,440
Speaker 1: can you imagine we weren't even there was nothing to

647
00:30:23,440 --> 00:30:25,400
Speaker 1: co sign for, just the fact that I was like,

648
00:30:25,480 --> 00:30:27,320
Speaker 1: for the fictional car that you're not getting, I would

649
00:30:27,320 --> 00:30:29,880
Speaker 1: never co sign when we were boyfriend and girlfriend. What

650
00:30:30,280 --> 00:30:32,640
Speaker 1: that's so terrible If you're my girlfriend but you're not

651
00:30:32,640 --> 00:30:35,240
Speaker 1: getting a car so you have you're his girlfriend? What

652
00:30:36,360 --> 00:30:38,600
Speaker 1: that I should co sign? His other girlfriends have co signed,

653
00:30:38,600 --> 00:30:41,480
Speaker 1: and I said, and they were foolish, like, that's not

654
00:30:41,920 --> 00:30:43,720
Speaker 1: My dad always taught me that, like, you don't co

655
00:30:43,840 --> 00:30:46,120
Speaker 1: sign for everyone. He even told me, not even for

656
00:30:46,160 --> 00:30:47,920
Speaker 1: your sisters. If they want to borrow money, then you

657
00:30:48,000 --> 00:30:50,360
Speaker 1: lend in. If they don't pay it back. That's one thing, okay,

658
00:30:50,480 --> 00:30:53,400
Speaker 1: but don't co sign for anyone. And I remember we

659
00:30:53,440 --> 00:30:55,360
Speaker 1: got it was like it was like a week long

660
00:30:55,640 --> 00:30:58,720
Speaker 1: strong debate over something we weren't buying. It was just

661
00:30:58,760 --> 00:31:01,240
Speaker 1: the thought that I would never co He couldn't believe it.

662
00:31:01,640 --> 00:31:05,800
Speaker 1: But yeah, because co signing is you're attaching yourself to

663
00:31:05,840 --> 00:31:09,080
Speaker 1: this person's decisions and you don't have as much control

664
00:31:09,080 --> 00:31:11,240
Speaker 1: as you like. I mean, I don't know which one

665
00:31:11,320 --> 00:31:14,800
Speaker 1: is worth. I mean, honestly, yeah, I don't.

666
00:31:15,120 --> 00:31:17,640
Speaker 2: It's gonna they're both gonna hurt your credit. Like a

667
00:31:17,720 --> 00:31:19,720
Speaker 2: voluntary repot is going to go on your credit report.

668
00:31:19,760 --> 00:31:22,040
Speaker 2: Mispayments are going to go on your credit report, and

669
00:31:22,080 --> 00:31:24,560
Speaker 2: they're gonna stay there for seven years, which sucks. But

670
00:31:24,600 --> 00:31:29,240
Speaker 2: I would say staunch the bleeding as soon as possible. Yeah,

671
00:31:29,280 --> 00:31:31,000
Speaker 2: I mean, I don't know how much power you have

672
00:31:31,120 --> 00:31:35,360
Speaker 2: in it to initiate a voluntary repossession, but just know

673
00:31:35,480 --> 00:31:37,920
Speaker 2: what the voluntary repost. So what's gonna happen is they're

674
00:31:37,920 --> 00:31:41,400
Speaker 2: gonna sell your car and then if the loan balance

675
00:31:41,720 --> 00:31:43,920
Speaker 2: is if there's a loan balance left over, so let's

676
00:31:43,920 --> 00:31:46,120
Speaker 2: say the car is only worth three thousand, but he

677
00:31:46,200 --> 00:31:48,520
Speaker 2: has a five thousand dollars loan, then you're still on

678
00:31:48,560 --> 00:31:51,280
Speaker 2: the hook for that two thousand dollars payment. So if

679
00:31:51,280 --> 00:31:53,400
Speaker 2: you're really thinking about doing a voluntary repo, just be

680
00:31:53,480 --> 00:31:56,120
Speaker 2: ready to help him pay off that debt. I mean,

681
00:31:56,480 --> 00:31:58,520
Speaker 2: it sucks. It's it's either wait on him to get

682
00:31:58,560 --> 00:32:00,960
Speaker 2: around to doing it, or I like, eat it, like

683
00:32:01,000 --> 00:32:02,360
Speaker 2: you said, eat the fact that it was a bad

684
00:32:02,560 --> 00:32:05,080
Speaker 2: financial decision and help him pay it off so that

685
00:32:05,120 --> 00:32:06,960
Speaker 2: you can, you know, wash your hands and be done

686
00:32:07,000 --> 00:32:07,280
Speaker 2: with it.

687
00:32:08,320 --> 00:32:13,720
Speaker 1: Yeah. Yeah, so one one major bump versus continue him

688
00:32:13,760 --> 00:32:15,600
Speaker 1: continuously being late and late and late and late and

689
00:32:15,680 --> 00:32:18,480
Speaker 1: dragging it out. I agree. But yeah, I mean it's

690
00:32:18,480 --> 00:32:21,000
Speaker 1: a good lesson. We all make for financial mistakes. There's

691
00:32:21,000 --> 00:32:23,120
Speaker 1: no way to avoid it. It's just what do you

692
00:32:23,200 --> 00:32:25,360
Speaker 1: do after you make them. Do you stay there and

693
00:32:25,440 --> 00:32:28,120
Speaker 1: kind of like stew in it, or you do take action?

694
00:32:28,280 --> 00:32:30,160
Speaker 1: And the thing about it is, I always say, when

695
00:32:30,200 --> 00:32:33,080
Speaker 1: it comes to budgeting, debt or credit, if I had

696
00:32:33,120 --> 00:32:35,800
Speaker 1: to have an issue, I'd rather a credit issue because

697
00:32:35,840 --> 00:32:39,080
Speaker 1: there are things that you can do fairly quickly to

698
00:32:39,200 --> 00:32:43,240
Speaker 1: raise your credit. Budgeting and savings and debt take more

699
00:32:43,280 --> 00:32:48,240
Speaker 1: time and discipline. If you ask me than fixing credit exactly,

700
00:32:49,000 --> 00:32:51,800
Speaker 1: we look at you examtly. We're all gonna sound like

701
00:32:51,840 --> 00:32:52,920
Speaker 1: my husband, sister's husband.

702
00:32:55,600 --> 00:32:57,120
Speaker 2: It finally got to me three years in.

703
00:33:00,200 --> 00:33:04,720
Speaker 1: Do you have husbanisms that you say? You're like, when

704
00:33:04,720 --> 00:33:05,640
Speaker 1: did I start saying this.

705
00:33:06,240 --> 00:33:10,120
Speaker 2: He's got me saying come on man, after ed I

706
00:33:10,400 --> 00:33:14,240
Speaker 2: love that, and we stay at the same time. Now

707
00:33:14,240 --> 00:33:16,960
Speaker 2: it's really really bad. I gotta stop saying I.

708
00:33:16,880 --> 00:33:20,120
Speaker 1: Don't even know what's something the Superman says, like one

709
00:33:20,120 --> 00:33:22,120
Speaker 1: of my friends said it, well, one of our like

710
00:33:22,160 --> 00:33:24,600
Speaker 1: our couple friends, and she was like, oh my god.

711
00:33:24,640 --> 00:33:26,600
Speaker 1: She was like, I was asking what did I get

712
00:33:26,600 --> 00:33:29,840
Speaker 1: this from? He's like Superman says that. He says, you

713
00:33:29,880 --> 00:33:31,880
Speaker 1: know what, whenever he's done, he's I'm just gonna fade

714
00:33:31,880 --> 00:33:33,680
Speaker 1: the black. You know, I'm just gonna fade the black.

715
00:33:36,600 --> 00:33:40,160
Speaker 1: That's you know. So like I heard her saying, I'm like, wait,

716
00:33:40,200 --> 00:33:42,200
Speaker 1: fade the black. That sounds like Superman. She was like,

717
00:33:42,280 --> 00:33:44,320
Speaker 1: I think that's where I got it. I'm like, we

718
00:33:44,360 --> 00:33:46,040
Speaker 1: all eventually sound like Superman.

719
00:33:47,520 --> 00:33:50,000
Speaker 2: But yeah, remember I said I was going to give

720
00:33:50,000 --> 00:33:52,560
Speaker 2: you the answer, so chase the card. We're talking about

721
00:33:52,560 --> 00:33:56,640
Speaker 2: the lost baggage coverage. So the Chase Sapphire Reserve Card

722
00:33:56,800 --> 00:33:58,640
Speaker 2: is the one that we have, and it does have

723
00:33:58,720 --> 00:34:03,120
Speaker 2: lost luggage reimbursement up to three thousand dollars per passenger.

724
00:34:03,920 --> 00:34:06,400
Speaker 1: Yes see that's awesome.

725
00:34:06,760 --> 00:34:09,000
Speaker 2: Yeah, it's a great little benefit. So keep that in minds.

726
00:34:09,040 --> 00:34:11,160
Speaker 2: And it's it's another reason to book your travel with

727
00:34:11,200 --> 00:34:14,359
Speaker 2: a travel credit card. Credit card in general, because you're

728
00:34:14,400 --> 00:34:16,239
Speaker 2: on you know, you might have more protections, but then

729
00:34:16,280 --> 00:34:18,920
Speaker 2: if you get one with extra protections like that, it

730
00:34:18,960 --> 00:34:20,719
Speaker 2: gives you that extra bit of security.

731
00:34:21,239 --> 00:34:23,840
Speaker 1: I'm not gonna lie, and I am not a huge

732
00:34:23,920 --> 00:34:26,959
Speaker 1: Chase fan, but I do like that card. So because

733
00:34:27,040 --> 00:34:29,279
Speaker 1: Chase has my house, So you know, there's that Think of.

734
00:34:29,239 --> 00:34:31,160
Speaker 2: It this way, like you're making money off of them

735
00:34:31,200 --> 00:34:33,279
Speaker 2: and they're losing money because of you. Because as long

736
00:34:33,320 --> 00:34:35,680
Speaker 2: as you are earning rewards and paying your balance off

737
00:34:35,719 --> 00:34:38,160
Speaker 2: like they're they're they're barely making money off of you.

738
00:34:38,400 --> 00:34:40,680
Speaker 2: I guess. I guess they make a little bit every

739
00:34:40,719 --> 00:34:43,200
Speaker 2: time you swipe your card. But you know you're getting

740
00:34:43,239 --> 00:34:43,680
Speaker 2: yours too.

741
00:34:44,040 --> 00:34:46,319
Speaker 1: Yeah, I'm getting mine. I just don't have my house though, Chase.

742
00:34:46,400 --> 00:34:49,000
Speaker 1: You forgot about that. You know what, I'm gonna come

743
00:34:49,000 --> 00:34:53,120
Speaker 1: down it's fine. I'm in a better space now. No,

744
00:34:53,160 --> 00:34:59,760
Speaker 1: I'm fine. All right. Well that was a awesome session

745
00:35:00,600 --> 00:35:01,400
Speaker 1: of broad ambition.

746
00:35:01,600 --> 00:35:03,919
Speaker 2: Thanks for calling it a session like therapy.

747
00:35:06,400 --> 00:35:08,520
Speaker 1: You guys can always hit us. We love, love, love

748
00:35:08,600 --> 00:35:12,839
Speaker 1: to get your messages. Definitely tweet us at the BA podcast.

749
00:35:12,880 --> 00:35:15,560
Speaker 1: You could use the hashtag broad ambition as well, because

750
00:35:15,600 --> 00:35:18,200
Speaker 1: I look at that too. Hit us on Twitter. We

751
00:35:18,320 --> 00:35:20,480
Speaker 1: are what are we on Twitter? Well, we just type

752
00:35:20,520 --> 00:35:23,920
Speaker 1: in broad Ambition at the b A podcast on Twitter

753
00:35:24,080 --> 00:35:26,840
Speaker 1: because we love reading your your your your tweets, your

754
00:35:26,880 --> 00:35:28,440
Speaker 1: your not your Twitter. I'm meant to say, I G

755
00:35:28,719 --> 00:35:29,440
Speaker 1: what are we on ig?

756
00:35:30,080 --> 00:35:32,879
Speaker 2: At Broad Ambisson Podcast, We're that.

757
00:35:32,880 --> 00:35:34,680
Speaker 1: Too, So we love reading those things. So I just

758
00:35:34,719 --> 00:35:50,800
Speaker 1: love especially me. I'm like, oh yes, tweete