WEBVTT - Ep. 66 — Real Estate Blues

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<v Speaker 1>Michaelphone check one two one two, And we're back and

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<v Speaker 1>we're black and we're brown ambitions.

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<v Speaker 2>In our in our in our new stude, ye hijack

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<v Speaker 2>Tiffany's stude.

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<v Speaker 1>So also we're in the office. Then the new budget.

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<v Speaker 2>Nees to office and it's gorgeous.

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<v Speaker 1>Even though it needs to be vacuum. I'm like all

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<v Speaker 1>this dust. Anyway, we're back, and what do you want

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<v Speaker 1>to talk about today?

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<v Speaker 2>What I wanted to start off this week's podcast with

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<v Speaker 2>did you do you watch Blackish?

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<v Speaker 1>I watched the clip where they talked about the election.

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<v Speaker 2>The one with Anthony Anderson doing his like monologue.

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<v Speaker 1>No, no, I watched the clip where the where they're like,

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<v Speaker 1>I guess he's at work and they're sitting around a

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<v Speaker 1>table and like there's like they're like, I guess what

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<v Speaker 1>is her name? Is that? Wand of psychs?

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<v Speaker 2>No, Yeah, That's what I'm talking about. When he's talking

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<v Speaker 2>about when there he's like the really like semi racist,

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<v Speaker 2>like passive aggressive boss is like why don't you care

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<v Speaker 2>about the election or why don't you care about what's happening?

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<v Speaker 2>When Anthony starts his character, he's like, you know, what

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<v Speaker 2>did you say to me? And then he gets really

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<v Speaker 2>serious and he talks about like.

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<v Speaker 1>Right, yeah, no, I didn't see that part. I just

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<v Speaker 1>saw the part where they were like, you're the token

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<v Speaker 1>white girl. What you know, why did your people in

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<v Speaker 1>that vote failary?

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<v Speaker 2>Oh? Really?

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<v Speaker 1>Yes?

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<v Speaker 2>Well I want you. The whole episode is like, I mean,

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<v Speaker 2>Blackish is an amazing show in general, but they've been

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<v Speaker 2>I feel like they really take their job seriously to

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<v Speaker 2>like be a touchtone for like what it's like to

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<v Speaker 2>be in a black family today. And it's been two months.

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<v Speaker 2>And at first when I heard there did a Trump episode,

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<v Speaker 2>I was like, I'm just I'm just I'm trying to

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<v Speaker 2>like get over it. And now you're gonna go drag

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<v Speaker 2>this up. And it's always awkward when shows like have realistic,

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<v Speaker 2>like real people in them are real, like they acknowledge

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<v Speaker 2>that it's twenty sixteen or seventeen and like this is

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<v Speaker 2>what's happening. But they did such a good job. And

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<v Speaker 2>the clip that everyone is talking about is this clip

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<v Speaker 2>we want to play right now for you everyone. Listen.

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<v Speaker 3>I love this country, even though with times it doesn't

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<v Speaker 3>love me back for.

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<v Speaker 4>My whole life, my parents, my grandparents, me, for most

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<v Speaker 4>black people, this system has never worked for us seventy feet,

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<v Speaker 4>but we still played ball, tried to do our best

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<v Speaker 4>to live by the rules, even though we knew.

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<v Speaker 3>They would never work out in our favor.

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<v Speaker 4>Strange rooms had to live in neighborhoods if you wouldn't

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<v Speaker 4>drive through, send.

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<v Speaker 3>Our kids to schools with books so beat up you

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<v Speaker 3>couldn't read them, work jobs that you wouldn't even consider

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<v Speaker 3>in your nightmare, and blood out in the rooms. Black

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<v Speaker 3>people wake up every day believing that our lives are

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<v Speaker 3>going to change, even though everything around us says it's

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<v Speaker 3>not truth be told. You ask most black.

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<v Speaker 4>People when they tell you that, no matter who won

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<v Speaker 4>this election, they didn't expect the hood.

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<v Speaker 3>To get better, change fluent, but they.

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<v Speaker 4>Still voted because that's what you're supposed to do. You

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<v Speaker 4>think I'm not sad that Hillary didn't win, that I'm

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<v Speaker 4>not terrified about what Trump's about to do.

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<v Speaker 3>I'm used to things not going my way. I'm sorry

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<v Speaker 3>that you're not, and it's blowing your mind.

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<v Speaker 4>So excuse me if I get a little offended because

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<v Speaker 4>I didn't see all of this outrage when everything was

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<v Speaker 4>happening to all of my people, since we were stuffed

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<v Speaker 4>on votes and chains.

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<v Speaker 3>I love this country as much, if not more than

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<v Speaker 3>you do. And don't you ever forget that.

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<v Speaker 2>And give him all the golden gloy.

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<v Speaker 1>What oh?

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<v Speaker 2>I felt that even more, just listened to it again

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<v Speaker 2>than I don't.

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<v Speaker 1>And then to have Nina Simone in the back.

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<v Speaker 2>You know, when Strange Fruit comes on.

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<v Speaker 1>You already know it's like it's a thug festug thug

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<v Speaker 1>t your fast.

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<v Speaker 2>I love Blackish. I feel like it's one of the

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<v Speaker 2>most important shows on television.

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<v Speaker 1>And I'm so glad that that Tracy Elis Ross, you know,

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<v Speaker 1>isn't she love he she got?

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<v Speaker 3>She won?

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<v Speaker 1>Yeah, golden look at me. I'm like the golden glow.

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<v Speaker 1>But I knew it was one of those awards that

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<v Speaker 1>people always want to get.

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<v Speaker 2>Yeah, she won. It was a good night for for

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<v Speaker 2>black TV. Atlanta. Donald Glover, I can't say I watched

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<v Speaker 2>a couple episodes. I did, but I lost track. But

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<v Speaker 2>and they won in that fabulous brown suit. And then

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<v Speaker 2>Moonlight Moonlight, Yeah, Best Picture Drama. Although you know, I

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<v Speaker 2>saw Lala Land and my one of my girlfriends was

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<v Speaker 2>texting me and she was like, mane moon, I can't

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<v Speaker 2>believe so and so won because Moonlight was kind of

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<v Speaker 2>up for the same awards as Lala Land. Best Actor,

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<v Speaker 2>but I think Best Supporting Actress, Best Director, Yeah yeah,

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<v Speaker 2>and then it lost because La La Land won everything

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<v Speaker 2>until the Best Picture Drama. And she was like, this

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<v Speaker 2>can't be because I've seen Lala Land. She's like, this

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<v Speaker 2>can't be better than Moonlight. And I was like, you

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<v Speaker 2>can't compare a musical about, you know, a young woman

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<v Speaker 2>who goes to la and tries to be an actress

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<v Speaker 2>to what Moonlight is. You just like, can't I feel

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<v Speaker 2>like you? And I don't feel like it should be

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<v Speaker 2>like that for them, you know the movies, Like everything

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<v Speaker 2>doesn't have to be the same. I don't know, it's

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<v Speaker 2>in a whole different category. I think they're both amazing films.

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<v Speaker 1>But I know what you mean. You're right, because you're like,

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<v Speaker 1>it's not really, Yeah, it's it's a totally different It

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<v Speaker 1>pulls totally different energy and emotion out of you. The

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<v Speaker 1>two different ones.

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<v Speaker 2>I loved. I love that sound.

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<v Speaker 1>I'm not gonna lie I didn't watch Land.

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<v Speaker 2>It's you know, it's not for everybody. It's it's a

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<v Speaker 2>muse it's basically a musical, but on like, you know,

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<v Speaker 2>it's like Mulin Rouge or any of those like musical

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<v Speaker 2>like movies. But I thought it was incredible.

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<v Speaker 1>I love them. Have you seen Hidden Figures? Yes, I

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<v Speaker 1>didn't see it, didn't see it before the podcast. Yeah,

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<v Speaker 1>I saw it.

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<v Speaker 2>It was it was really good. Okay, that's when I

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<v Speaker 2>said I loved Jersey City because the whole crowd was

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<v Speaker 2>like really into it. Oh that's why you're clapping and snapping.

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<v Speaker 1>Yes, I'm gonna have to take Supergirl. I really want

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<v Speaker 1>to see it.

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<v Speaker 2>But I didn't know that it was number one. I

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<v Speaker 2>saw this last weekend like it tied. First headline I

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<v Speaker 2>read was just gonna tie with Rogue one, the new

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<v Speaker 2>Star Wars movie. But then I read that it beat

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<v Speaker 2>Star Wars.

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<v Speaker 1>Also me so enter.

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<v Speaker 2>I saw Taraji tweeting and like instagramming, They're so excited.

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<v Speaker 1>You know, it's so great about it because I'm not

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<v Speaker 1>gonna lie. When I first heard that they were doing

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<v Speaker 1>this movie called Hidden Figures about you know, black women entrepreneurs,

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<v Speaker 1>not entrepreneurs, engineers and mathematicians that helped to launch you know,

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<v Speaker 1>a man into space, I thought, no one's gonna watch it, honestly,

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<v Speaker 1>not I knew I would watch it, but I thought

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<v Speaker 1>to myself, the larger world, at larger they're not gonna

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<v Speaker 1>care about the story. So I'm just so happy that

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<v Speaker 1>I was proven completely wrong and that it's a story

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<v Speaker 1>that has transcended and people are watching it and not

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<v Speaker 1>just watching it, but making it number one. So I'm

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<v Speaker 1>super excited about that.

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<v Speaker 2>And it was the same year that you know, not

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<v Speaker 2>Turner's movie, the the one Nate Parker, Nate Parker's movie

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<v Speaker 2>came out about not turning the Revolution, and like it was,

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<v Speaker 2>I mean, it was kind of a flop, right, all

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<v Speaker 2>the bad press about his history with that, you know,

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<v Speaker 2>those rape allegations, and then that was kind of like

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<v Speaker 2>a real loss because that was that was the after

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<v Speaker 2>Oscar so White last year, when that movie was bought

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<v Speaker 2>at the film festivals by a big studio network, it

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<v Speaker 2>was like the biggest thing. It was like, oh my god,

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<v Speaker 2>next year we're saying, this is the first movie it

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<v Speaker 2>was a bought for like a record amount of money

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<v Speaker 2>by a production studio. And then so when it kind

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<v Speaker 2>of like it fizzled based on all those bad that

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<v Speaker 2>bad press, it was a big loss. So I feel

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<v Speaker 2>like Hidden Figures probably benefited from a couple of things.

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<v Speaker 2>One it's about women, and two it's kind of a

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<v Speaker 2>feel good movie. It is I mean you it was weird.

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<v Speaker 2>I left the theater kind of like really depressed and

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<v Speaker 2>sad because you do realize these women literally like the

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<v Speaker 2>Taraji who plays Catherine I forget her last name Johnson, sorry,

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<v Speaker 2>Catherine Johnson in the movie, who's really the instrumental like brilliant,

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<v Speaker 2>like genius mathematician who at the last minute comes running

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<v Speaker 2>with the answer to a problem they need to get

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<v Speaker 2>Ah John Glenn yes back down to her safely and

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<v Speaker 2>she during the movie has to run half a mile to.

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<v Speaker 1>Use the bathroom. Her mind, it's crazy.

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<v Speaker 2>And then at one point her boss is like, where

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<v Speaker 2>have you been? You're not here, You're never here. Where

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<v Speaker 2>do you go? For forty minutes and then she's and

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<v Speaker 2>then she breaks down and it has like this really

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<v Speaker 2>emotional scene where she says, I have to go to

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<v Speaker 2>the bathroom and then you know, just and you see

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<v Speaker 2>like the oppression of the women, and it's you see,

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<v Speaker 2>the women at NASA were all sort of being they

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<v Speaker 2>were all sort of hit in. The white women and

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<v Speaker 2>the black women who were computers were all down in

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<v Speaker 2>the basement working separately, but you sort of see like

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<v Speaker 2>the chain of command. Like so Kirsten Dunce plays like

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<v Speaker 2>the leader of the White computers, and she you know,

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<v Speaker 2>keeps Octavia Spencer's character down, you know, beneath her, even

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<v Speaker 2>though she's also kind of beneath her. And it's just

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<v Speaker 2>all the dynamics and it's super depressing, but it's also

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<v Speaker 2>kind of feel good at the end because you know,

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<v Speaker 2>you know, they win, but then you have to leave

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<v Speaker 2>the theater knowing that they didn't really win because it's

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<v Speaker 2>been sixty years.

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<v Speaker 1>And now they're just now getting recognition for that, these women.

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<v Speaker 2>And but Catherine Johnson was still alive. I think she's

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<v Speaker 2>like in her late nineties. Wow, and she got to

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<v Speaker 2>see it.

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<v Speaker 1>Who child see?

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<v Speaker 2>Honestly, I show the pictures of them at the end,

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<v Speaker 2>and that's one. Yeah, this is tears story.

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<v Speaker 1>Honestly, lately, I'm not gonna lie. Since the new year

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<v Speaker 1>has started, I have purposefully curated my what I ingest

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<v Speaker 1>online because it's too much. Honestly, I'm not gonna lie. Like,

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<v Speaker 1>you know, you start reading like and this cabinet appointee

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<v Speaker 1>and then I'm like, you know what, I can't like

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<v Speaker 1>I literally cannot take it. So it was that roller

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<v Speaker 1>coaster ride of the of the elections was almost too much.

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<v Speaker 1>And then to read like and I'm obviously I'm gonna

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<v Speaker 1>go back to because I have to know what's happening,

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<v Speaker 1>but I'm like I need a minute to like fortify

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<v Speaker 1>myself with good things before I kind of like allow

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<v Speaker 1>these like it's scary. And sometimes I just look and

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<v Speaker 1>I'm like, what now, I can't. I can't, I can't,

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<v Speaker 1>So I'm like, I don't want to see this Facebook.

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<v Speaker 1>I don't want to see this Facebook.

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<v Speaker 2>Have you been did you watch I've been like hang

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<v Speaker 2>and I've been hanging on like a life raft everything

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<v Speaker 2>of Michelle and Brock that I every bit of Asasha

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<v Speaker 2>Malia like I watched the Farewell Address and like me too,

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<v Speaker 2>all of it, and it.

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<v Speaker 1>Was just I was actually in DC for the Farewell Address.

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<v Speaker 2>You were there?

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<v Speaker 1>No, not there, I mean I was just in Washington,

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<v Speaker 1>d C. I was there because I was taping like

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<v Speaker 1>Good Morning Washington like with some credit tips or whatever.

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<v Speaker 1>And then a friend of ours works at BT Networks,

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<v Speaker 1>so she was like, oh, you want to come to

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<v Speaker 1>watch like the Mary Jane being Mary Jane. You know

0:10:29.520 --> 0:10:30.560
<v Speaker 1>their new premiere, right.

0:10:30.480 --> 0:10:34.280
<v Speaker 2>It came on right after I saw Gabriel Union music.

0:10:34.360 --> 0:10:36.440
<v Speaker 1>I was like, all right, Gabriel, yes and so, but

0:10:36.559 --> 0:10:39.040
<v Speaker 1>right before they were watching The State, you know, like

0:10:39.040 --> 0:10:41.079
<v Speaker 1>the last date of the Union, and so I were

0:10:41.120 --> 0:10:42.760
<v Speaker 1>watching that. It was just great to watch it like

0:10:42.880 --> 0:10:45.880
<v Speaker 1>in DC, knowing like not too far away it was happening.

0:10:45.960 --> 0:10:49.079
<v Speaker 2>Yes, I just drink. I'm drinking every last drop. And

0:10:49.559 --> 0:10:51.280
<v Speaker 2>especially the part where he talks to Michelle. You know,

0:10:51.320 --> 0:10:55.240
<v Speaker 2>I lived for that. And then you saw Malia getting emotional.

0:10:55.679 --> 0:10:58.560
<v Speaker 1>Did you see how like when when Uncle Joe got

0:10:58.559 --> 0:10:59.880
<v Speaker 1>his award that was.

0:10:59.840 --> 0:11:04.520
<v Speaker 2>So Actually I cried during that, not during the pharewell.

0:11:05.240 --> 0:11:07.920
<v Speaker 1>If anybody gets a chance to like lovey j Right,

0:11:08.440 --> 0:11:11.680
<v Speaker 1>she had the perfect description of like how Uncle Joe

0:11:11.720 --> 0:11:13.640
<v Speaker 1>was acting. She's like, look at Uncle Joe. He acting

0:11:13.679 --> 0:11:16.439
<v Speaker 1>He's acting like he just got nominated to the deacon board.

0:11:16.800 --> 0:11:18.760
<v Speaker 1>It was like, God, I'm not worthy and turned around

0:11:18.880 --> 0:11:21.400
<v Speaker 1>was like like the past was like we just want

0:11:21.440 --> 0:11:24.360
<v Speaker 1>to acknowledge uncle Joe is our new deacon and it

0:11:24.480 --> 0:11:26.400
<v Speaker 1>was just so true, like the look in his eyes.

0:11:26.440 --> 0:11:27.800
<v Speaker 1>Everybody just loves Joe Biden.

0:11:27.960 --> 0:11:30.760
<v Speaker 2>He lost it. Yeah, and you talk about a man

0:11:30.760 --> 0:11:33.280
<v Speaker 2>who's been through like I think he deserves it, just

0:11:33.320 --> 0:11:36.360
<v Speaker 2>based on the personal Tom like for him to still

0:11:36.400 --> 0:11:38.439
<v Speaker 2>be standing and to be able to say, you know,

0:11:38.480 --> 0:11:41.240
<v Speaker 2>I'm still optimistic about our country when all that's happened

0:11:41.280 --> 0:11:43.160
<v Speaker 2>to him. I mean, I feel like life just keeps

0:11:43.240 --> 0:11:45.120
<v Speaker 2>knocking him down and it makes it and he's just

0:11:45.120 --> 0:11:48.080
<v Speaker 2>like such a strong guy. And their friendship is so

0:11:48.360 --> 0:11:50.280
<v Speaker 2>genuine at this point, like they don't even care, they

0:11:50.280 --> 0:11:52.560
<v Speaker 2>give zero fs about him. They just like just full

0:11:52.600 --> 0:11:55.120
<v Speaker 2>on loving each other. I feel like they know that

0:11:55.160 --> 0:11:57.960
<v Speaker 2>we need, Yeah, we need to see some positivity and

0:11:58.280 --> 0:12:00.160
<v Speaker 2>I just I need them to have their own radio.

0:12:00.040 --> 0:12:00.800
<v Speaker 1>Show or something.

0:12:01.040 --> 0:12:03.600
<v Speaker 2>I just want to hear Uncle Joe and we.

0:12:05.160 --> 0:12:08.120
<v Speaker 1>Chat or whatever.

0:12:08.120 --> 0:12:10.680
<v Speaker 2>That weekly lunch they have that was like a highlight

0:12:10.720 --> 0:12:14.760
<v Speaker 2>of my week. I know. We have like a tight Yeah,

0:12:14.760 --> 0:12:17.680
<v Speaker 2>we're a tight schedule because we're taping a literature.

0:12:18.600 --> 0:12:20.560
<v Speaker 1>So yeah, so like a little bit later, we'll be

0:12:20.600 --> 0:12:25.000
<v Speaker 1>taping live. Every week we do a Live Richer Challenge

0:12:25.160 --> 0:12:29.360
<v Speaker 1>chat the budget, he said Mandy representing Magnified Money, who's

0:12:29.400 --> 0:12:32.120
<v Speaker 1>the sponsor of the Live Richer Challenge credit edition, And

0:12:32.160 --> 0:12:35.840
<v Speaker 1>so we're during that doing that tonight and so yeah.

0:12:35.880 --> 0:12:38.240
<v Speaker 1>So it's because of that we have a little tighter schedule.

0:12:38.760 --> 0:12:41.120
<v Speaker 1>If you're not doing the Live Ritual Challenge sponsored by

0:12:41.160 --> 0:12:44.240
<v Speaker 1>the awesome Magnified Money, what you're waiting on? You could

0:12:44.320 --> 0:12:47.439
<v Speaker 1>join us at l r C for the Live Richer

0:12:47.559 --> 0:12:50.800
<v Speaker 1>Challenge l r C Credit dot Com and get your

0:12:50.800 --> 0:12:53.440
<v Speaker 1>whole credit life together. Magnify Money has provided us with

0:12:53.520 --> 0:12:57.720
<v Speaker 1>so many amazing tools to use to get your credit

0:12:58.360 --> 0:13:00.440
<v Speaker 1>just really on point. You know, it's so crazy. My

0:13:00.559 --> 0:13:03.120
<v Speaker 1>sister Tracy, the one who like buys all my clothes,

0:13:03.600 --> 0:13:07.280
<v Speaker 1>she hit me the other day and she is She said,

0:13:07.679 --> 0:13:08.959
<v Speaker 1>I asked, you know, what are you doing today? It

0:13:09.040 --> 0:13:10.160
<v Speaker 1>was like, you know, the weekend, and she was like,

0:13:10.200 --> 0:13:12.280
<v Speaker 1>honestly catching up on the Live with your Challenge. I'm like,

0:13:12.280 --> 0:13:14.920
<v Speaker 1>you're doing it because you know, like they never they

0:13:14.960 --> 0:13:16.599
<v Speaker 1>don't tell me, And she was like I am. She's like,

0:13:16.640 --> 0:13:18.760
<v Speaker 1>I'm two days behind, so I'm catching up since it's Sunday.

0:13:19.080 --> 0:13:20.920
<v Speaker 1>And I thought, that's so awesome, you know.

0:13:20.960 --> 0:13:23.240
<v Speaker 2>And she You're like, you're a litmus test for all

0:13:23.280 --> 0:13:24.160
<v Speaker 2>the advice that you give.

0:13:24.280 --> 0:13:27.360
<v Speaker 1>No, that's Lisa, Oh, Lisa, Lisa. And then Lisa like,

0:13:27.360 --> 0:13:29.440
<v Speaker 1>so I posted on Facebook, like you know Tracy's doing

0:13:29.520 --> 0:13:31.480
<v Speaker 1>Lisa's like not to be outdone. I'm doing it as

0:13:31.520 --> 0:13:33.160
<v Speaker 1>well with my coworkers.

0:13:33.520 --> 0:13:35.960
<v Speaker 2>So it's just buddy shit. Even if you have good credation,

0:13:36.160 --> 0:13:37.520
<v Speaker 2>still do it. I think a lot of there's a

0:13:37.520 --> 0:13:41.320
<v Speaker 2>lot of I think, interesting extras, and people may have

0:13:41.360 --> 0:13:43.840
<v Speaker 2>good credit but may not even know how or why exactly.

0:13:45.440 --> 0:13:47.719
<v Speaker 1>Her credit was a seven ninety and she's like, it

0:13:47.760 --> 0:13:51.040
<v Speaker 1>fail to like a seven p fifty, which is still excellent,

0:13:51.160 --> 0:13:52.400
<v Speaker 1>and she's like, I just want to raise it back

0:13:52.440 --> 0:13:54.679
<v Speaker 1>up again. So it's it's for anyone. What I love

0:13:54.760 --> 0:13:57.160
<v Speaker 1>is that what I'm hearing from people. The feedback is

0:13:57.200 --> 0:14:00.280
<v Speaker 1>that I didn't even know how credit, Like how does

0:14:00.320 --> 0:14:02.640
<v Speaker 1>credit come to be? And why? And I'm learning that

0:14:02.679 --> 0:14:05.200
<v Speaker 1>and then I'm learning how to purposefully grow it, and

0:14:05.240 --> 0:14:07.400
<v Speaker 1>then the last week of the challenge you learned how

0:14:07.440 --> 0:14:09.560
<v Speaker 1>to maintain it. So it's just so great because honestly,

0:14:09.559 --> 0:14:12.199
<v Speaker 1>it's free, The resources are dope and free. You can

0:14:12.240 --> 0:14:14.600
<v Speaker 1>do the challenge all year round, so you can always

0:14:14.600 --> 0:14:16.480
<v Speaker 1>restart it over and over again. There really is no

0:14:16.559 --> 0:14:19.200
<v Speaker 1>excuse not to at least be working on your credit

0:14:19.200 --> 0:14:20.440
<v Speaker 1>if you if you want better credit.

0:14:20.520 --> 0:14:23.280
<v Speaker 2>It's the credit class everybody should have had in high school.

0:14:23.320 --> 0:14:25.240
<v Speaker 2>And it's never too smart to learn. So and I

0:14:25.280 --> 0:14:26.560
<v Speaker 2>just want to say real quick to all the dream

0:14:26.600 --> 0:14:29.560
<v Speaker 2>catchers who are like tweeting Magnify money. We get all

0:14:29.600 --> 0:14:32.000
<v Speaker 2>your all your Facebook messages and your emails. You've gotten

0:14:32.040 --> 0:14:33.840
<v Speaker 2>all of them. I think we responded to all of them.

0:14:33.880 --> 0:14:36.040
<v Speaker 2>There were like dozens. Thank you so much, You're so

0:14:36.080 --> 0:14:39.560
<v Speaker 2>sweet and on behalf of Magnify. Just keep going. Thank

0:14:39.600 --> 0:14:41.880
<v Speaker 2>you for the love. Yes, don't forget to like us

0:14:41.920 --> 0:14:42.560
<v Speaker 2>on Facebook.

0:14:42.600 --> 0:14:55.760
<v Speaker 5>Yes, Magnify Underscore Money, any wins, any any.

0:14:55.640 --> 0:14:56.760
<v Speaker 2>Are reading Let's do Breaks?

0:14:56.800 --> 0:14:58.320
<v Speaker 1>Yes, Yes, Brown boots and Brown.

0:14:58.080 --> 0:14:59.800
<v Speaker 2>Break, Brown Boost and Brown Break.

0:15:00.240 --> 0:15:02.440
<v Speaker 1>I want to take well, I guess it's kind of

0:15:02.440 --> 0:15:04.120
<v Speaker 1>a break. It's just that. So me and Superman are

0:15:04.120 --> 0:15:05.120
<v Speaker 1>house shopping.

0:15:05.120 --> 0:15:06.560
<v Speaker 2>Right shopping?

0:15:06.720 --> 0:15:06.960
<v Speaker 1>Yes?

0:15:07.200 --> 0:15:10.600
<v Speaker 2>Well or whatever? Yeah, investment property shopping.

0:15:10.680 --> 0:15:12.960
<v Speaker 1>So you know, when you start shopping, you have your mind,

0:15:12.960 --> 0:15:15.000
<v Speaker 1>I want for a family, Da da da, And then

0:15:15.000 --> 0:15:16.320
<v Speaker 1>you're like, I'll take the three, and then you're like

0:15:16.360 --> 0:15:18.080
<v Speaker 1>I'll take the two. And now we're like I'll just

0:15:18.120 --> 0:15:18.920
<v Speaker 1>take a house.

0:15:19.760 --> 0:15:23.200
<v Speaker 2>Okay, okay, update update, we've downgraded all right.

0:15:23.320 --> 0:15:25.560
<v Speaker 1>So I mean, honestly, we're still at least looking for

0:15:25.560 --> 0:15:29.280
<v Speaker 1>a multi family house. But honestly, like you, you start

0:15:29.280 --> 0:15:31.200
<v Speaker 1>to realize that as you go through the process, there's

0:15:31.240 --> 0:15:33.760
<v Speaker 1>so many things that you did not realize, you know,

0:15:34.640 --> 0:15:36.080
<v Speaker 1>because I thought we were good. I'm like, We've got

0:15:36.120 --> 0:15:39.520
<v Speaker 1>plenty of money saved, Superman's credit is great, you know,

0:15:39.600 --> 0:15:41.840
<v Speaker 1>like check check check, But there's so many things, for example,

0:15:41.920 --> 0:15:44.160
<v Speaker 1>like tell us, tell us. I know the number one

0:15:44.160 --> 0:15:46.640
<v Speaker 1>thing that I did not realize is that my realtor

0:15:46.720 --> 0:15:50.520
<v Speaker 1>was telling me what websites not to use, and so

0:15:50.760 --> 0:15:52.760
<v Speaker 1>like when you're when your house, so you normally so

0:15:52.880 --> 0:15:54.960
<v Speaker 1>your realtor is going to look for homes for you,

0:15:55.040 --> 0:15:57.880
<v Speaker 1>right right. But I mean I'm proactive, so I want

0:15:57.880 --> 0:15:59.760
<v Speaker 1>to look too, you know. So I gave her like

0:15:59.800 --> 0:16:01.200
<v Speaker 1>my and stuff like this is what I like, check

0:16:01.280 --> 0:16:03.360
<v Speaker 1>check check, check check, but I like to look and

0:16:03.400 --> 0:16:08.760
<v Speaker 1>be proactive. So she was like, don't use sorry true trulio, Trilio, Trulia, Zillowillo,

0:16:09.040 --> 0:16:11.360
<v Speaker 1>all those other sides. She's like, honestly, there some of

0:16:11.400 --> 0:16:13.480
<v Speaker 1>them are weeks behind and they have not been updated.

0:16:13.680 --> 0:16:14.880
<v Speaker 1>So she's like, I don't want you to get your

0:16:14.880 --> 0:16:17.440
<v Speaker 1>hope up hopes up and see something. And then you

0:16:17.440 --> 0:16:20.120
<v Speaker 1>know she's like, honestly, the best site that's closest to

0:16:20.120 --> 0:16:22.760
<v Speaker 1>what she actually sees is realtor dot com, she said,

0:16:22.800 --> 0:16:25.800
<v Speaker 1>because they update every thirty every fifteen to thirty minutes.

0:16:26.000 --> 0:16:29.200
<v Speaker 1>So she was like, you're only behind about thirty minutes.

0:16:29.240 --> 0:16:30.920
<v Speaker 1>So you know, she was like, I'm not saying that something.

0:16:30.680 --> 0:16:33.640
<v Speaker 2>Won't be sold, but in New York, though, thirty minutes can.

0:16:33.600 --> 0:16:35.480
<v Speaker 1>Be exactly, but better than two weeks on one of

0:16:35.520 --> 0:16:37.560
<v Speaker 1>these other sides. Yeah, you know, So she was like,

0:16:37.600 --> 0:16:40.160
<v Speaker 1>that's the closest site that you're going to find to

0:16:40.200 --> 0:16:42.480
<v Speaker 1>what she has as far as open to the public.

0:16:42.280 --> 0:16:45.360
<v Speaker 2>Because realtors, Hey, you have the MLM networks, right, yep,

0:16:45.480 --> 0:16:47.880
<v Speaker 2>that's what's what does that stand for. I'm not even

0:16:47.880 --> 0:16:49.640
<v Speaker 2>gonna lie MLN or something like that.

0:16:49.720 --> 0:16:53.320
<v Speaker 1>Ye MLS or something like that, mls MS multi list

0:16:53.560 --> 0:16:56.600
<v Speaker 1>something service. Yes, And so what they do is Realtor

0:16:56.680 --> 0:16:59.920
<v Speaker 1>dot Com every thirty minutes, pull from the MLS, gotcha.

0:17:00.080 --> 0:17:02.440
<v Speaker 1>And so you're seeing like thirty minutes, fifteen to thirty

0:17:02.440 --> 0:17:04.480
<v Speaker 1>minutes behind what they see, and so our look and

0:17:04.800 --> 0:17:07.520
<v Speaker 1>sure enough, because before I was pulling things from Zillow

0:17:07.560 --> 0:17:09.600
<v Speaker 1>and Trulio on all those other websites and I would

0:17:09.600 --> 0:17:11.919
<v Speaker 1>send it to her and literally ninety five percent of

0:17:11.960 --> 0:17:14.359
<v Speaker 1>the time sold, sold, sold, And I get so disappointed.

0:17:14.560 --> 0:17:17.159
<v Speaker 1>And I've been pulling from realtor dot com as you suggested,

0:17:17.480 --> 0:17:20.560
<v Speaker 1>and ninety percent of the time available available available, So

0:17:20.600 --> 0:17:22.919
<v Speaker 1>I was like, wow, okay, so it is really up

0:17:22.920 --> 0:17:25.560
<v Speaker 1>to date. So one, this is what I suggest, So

0:17:25.880 --> 0:17:28.800
<v Speaker 1>going to realter dot com and figuring out first what

0:17:28.880 --> 0:17:31.320
<v Speaker 1>is it that you really want? So we will, like,

0:17:31.359 --> 0:17:32.760
<v Speaker 1>I know, we have our list of like what we

0:17:32.800 --> 0:17:34.800
<v Speaker 1>want to buy, where we want to buy, that kind

0:17:34.840 --> 0:17:37.080
<v Speaker 1>of thing. And then what we've done is that we'll

0:17:37.080 --> 0:17:40.320
<v Speaker 1>do a drive by first, because there's nothing worse than

0:17:40.359 --> 0:17:42.560
<v Speaker 1>your realtor saying, okay, you know the house that you

0:17:42.640 --> 0:17:45.000
<v Speaker 1>sent me the link for, you know, we can go

0:17:45.040 --> 0:17:46.679
<v Speaker 1>see it on Tuesday and you pull up and you're like,

0:17:47.040 --> 0:17:49.800
<v Speaker 1>I hate this neighborhood. So we have been spending our

0:17:49.840 --> 0:17:52.600
<v Speaker 1>weekends doing drive bys, you know. So well, we'll do

0:17:52.640 --> 0:17:55.480
<v Speaker 1>our research like on a Saturday morning, of places, we'll

0:17:55.480 --> 0:17:57.960
<v Speaker 1>look at the pictures, pick maybe like ten. I think

0:17:58.000 --> 0:18:00.240
<v Speaker 1>we saw like twenty today, which was a lot, and

0:18:00.280 --> 0:18:04.320
<v Speaker 1>then we'll just literally drive by, driving and so like

0:18:04.600 --> 0:18:06.639
<v Speaker 1>the good thing is that we're really concentrated on one

0:18:06.640 --> 0:18:09.360
<v Speaker 1>particular neighborhood, so even though you might see twenty, they're

0:18:09.359 --> 0:18:11.399
<v Speaker 1>all within like one block of each other, so it's

0:18:11.440 --> 0:18:12.960
<v Speaker 1>not as bad. And then well, I'll take notes to

0:18:13.000 --> 0:18:15.480
<v Speaker 1>the paper like like this hated this. So of the

0:18:15.600 --> 0:18:18.199
<v Speaker 1>like twenty that we saw today, there were six that

0:18:18.280 --> 0:18:20.640
<v Speaker 1>we liked and three that we really want to see,

0:18:21.200 --> 0:18:23.000
<v Speaker 1>you know, so of that, like you know, we'll probably

0:18:23.000 --> 0:18:24.679
<v Speaker 1>go see about three of them this week. So now

0:18:24.680 --> 0:18:26.440
<v Speaker 1>we're ready. So that's what we do every week. We'll

0:18:26.440 --> 0:18:28.960
<v Speaker 1>go to Rota dot com, make a list, do a

0:18:29.040 --> 0:18:31.280
<v Speaker 1>drive by, see them the next week. And so it's

0:18:31.320 --> 0:18:33.679
<v Speaker 1>just been like a little bit tedious. But yeah, I

0:18:33.720 --> 0:18:34.600
<v Speaker 1>always use Zillow.

0:18:34.720 --> 0:18:37.119
<v Speaker 2>I mean, well because I'm just dreaming right now. So

0:18:37.280 --> 0:18:40.000
<v Speaker 2>for me, like Zillo and Trulia I think are good

0:18:40.080 --> 0:18:41.359
<v Speaker 2>if you just want to get a sense of what

0:18:41.359 --> 0:18:43.320
<v Speaker 2>the prices you're like out there, But yeah, like definitely

0:18:43.359 --> 0:18:44.400
<v Speaker 2>not if you're like act.

0:18:44.240 --> 0:18:47.520
<v Speaker 1>Actually yeah, because you'll be very very very because you'll

0:18:47.560 --> 0:18:49.240
<v Speaker 1>get like exciting, like, oh my goodness is.

0:18:49.119 --> 0:18:52.920
<v Speaker 2>So we found our apartment on Zillo actually really, but

0:18:52.960 --> 0:18:54.359
<v Speaker 2>I think we got lucky. I mean I think we

0:18:54.400 --> 0:18:56.439
<v Speaker 2>looked the day that it was listed OK, but it

0:18:56.480 --> 0:18:58.520
<v Speaker 2>was like brand new building. It wasn't like one house.

0:18:58.560 --> 0:19:01.119
<v Speaker 2>And it's a lot easier to have apartments available in

0:19:01.200 --> 0:19:01.560
<v Speaker 2>one house.

0:19:01.960 --> 0:19:05.639
<v Speaker 1>The houses go quick out they do, especially multiple because honestly,

0:19:05.640 --> 0:19:07.439
<v Speaker 1>because I'm looking, you know, I live in Newark and

0:19:07.480 --> 0:19:09.959
<v Speaker 1>people you know, just not too long ago, no one

0:19:10.000 --> 0:19:12.320
<v Speaker 1>wants to live in Newark. But there's this trend because

0:19:12.359 --> 0:19:14.879
<v Speaker 1>things are happening in Newark and it's like, you know,

0:19:15.080 --> 0:19:17.920
<v Speaker 1>Prudential is buying a property, Rutgers is buying their property.

0:19:18.440 --> 0:19:20.640
<v Speaker 1>Whole Foods is moving to Newark, not not the headquarters,

0:19:20.640 --> 0:19:22.520
<v Speaker 1>but there there's a Whole Foods being built in Newark.

0:19:22.800 --> 0:19:24.800
<v Speaker 1>So that to result, all of these investors are swarming

0:19:24.840 --> 0:19:26.560
<v Speaker 1>in so here you are just trying to buy a

0:19:26.560 --> 0:19:29.560
<v Speaker 1>piece of property, investors are buying them all cash, all cash,

0:19:29.560 --> 0:19:30.040
<v Speaker 1>all cash.

0:19:30.440 --> 0:19:33.160
<v Speaker 2>My friend, my girlfriend in Brooklyn just yesterday was so well.

0:19:33.200 --> 0:19:35.080
<v Speaker 2>I saw her Friday, had like a little slumber party.

0:19:35.680 --> 0:19:38.040
<v Speaker 2>She was so sad and because she's been there, been

0:19:38.080 --> 0:19:39.359
<v Speaker 2>her and her fiance, they've been trying to find a

0:19:39.359 --> 0:19:42.400
<v Speaker 2>place in Bushwaar and she was like, and I hadn't

0:19:42.440 --> 0:19:43.960
<v Speaker 2>talked to her in a while about it, and she's

0:19:44.000 --> 0:19:46.399
<v Speaker 2>the latest I've heard is that she's reading you know,

0:19:46.440 --> 0:19:49.040
<v Speaker 2>buy in Atlanta, because it's just competing. You know, they

0:19:49.040 --> 0:19:51.440
<v Speaker 2>would see something they like, Yeah, they'd email the realtor

0:19:51.440 --> 0:19:53.760
<v Speaker 2>and immediately like, oh it was sold you know all

0:19:53.760 --> 0:19:56.560
<v Speaker 2>cash investors, Yes, or to compete with that, Yes, it is.

0:19:57.680 --> 0:19:58.760
<v Speaker 2>I don't know what are we hearing.

0:19:59.280 --> 0:19:59.720
<v Speaker 1>I don't know what.

0:20:00.040 --> 0:20:01.600
<v Speaker 2>We're in a very spooky giant.

0:20:02.320 --> 0:20:04.280
<v Speaker 1>If you hear something in the blackwell, sorry, I don't know's.

0:20:04.800 --> 0:20:06.560
<v Speaker 2>I don't aways hear crickets. I don't know this. Mike

0:20:06.720 --> 0:20:07.440
<v Speaker 2>is very sensitive.

0:20:07.440 --> 0:20:10.800
<v Speaker 1>It could be doing work. They're still like doing work unfortunately.

0:20:11.160 --> 0:20:13.520
<v Speaker 1>So that's my brown break kind of. I'm like, oh,

0:20:13.640 --> 0:20:16.400
<v Speaker 1>I mean I'm well, I just like a boom, Yeah,

0:20:16.400 --> 0:20:17.760
<v Speaker 1>and I will, but you know, it's just good to

0:20:17.760 --> 0:20:19.960
<v Speaker 1>be so because you're you're like, oh, or you'll see

0:20:20.000 --> 0:20:21.840
<v Speaker 1>a house that it's so gorgeous on the outside and

0:20:21.880 --> 0:20:23.119
<v Speaker 1>then we'll go in and be like is this the

0:20:23.200 --> 0:20:25.240
<v Speaker 1>nightmare before Christmas? Like what is happening in here?

0:20:25.720 --> 0:20:27.560
<v Speaker 2>But I totally relate. I mean, well, in May, I

0:20:27.600 --> 0:20:29.840
<v Speaker 2>was announcing that we're moving within ri Kue's parents and

0:20:29.840 --> 0:20:31.240
<v Speaker 2>we were going to save up for a house and

0:20:31.280 --> 0:20:34.440
<v Speaker 2>what are where are we now renting slow in our role?

0:20:34.600 --> 0:20:37.480
<v Speaker 2>Although full disclosure, that was my plan all along. But

0:20:38.600 --> 0:20:41.359
<v Speaker 2>you gotta do it, like, yeah, ya, we'll get a house.

0:20:41.480 --> 0:20:43.400
<v Speaker 2>You know, we'll see what happens to wink wink, right,

0:20:44.119 --> 0:20:45.880
<v Speaker 2>what about you? You'll find it all in good time.

0:20:45.960 --> 0:20:47.840
<v Speaker 1>Yeah, and I believe so. And I'm like, the thing

0:20:47.880 --> 0:20:50.040
<v Speaker 1>is I always someone at homeless. We're not. We have

0:20:50.119 --> 0:20:51.800
<v Speaker 1>a place. It's just that well, you know, and I

0:20:51.880 --> 0:20:53.200
<v Speaker 1>like doing it in the winter because you have a

0:20:53.200 --> 0:20:54.880
<v Speaker 1>little at least a little less competition.

0:20:55.000 --> 0:20:56.840
<v Speaker 2>On one level, I feel like you guys are exactly

0:20:56.880 --> 0:20:58.840
<v Speaker 2>the kind of people who need to find a house

0:20:58.880 --> 0:20:59.560
<v Speaker 2>in Newark.

0:20:59.760 --> 0:20:59.879
<v Speaker 1>You know.

0:21:00.160 --> 0:21:01.800
<v Speaker 2>They don't want to push people like you out of here.

0:21:01.960 --> 0:21:04.600
<v Speaker 2>That I mean, you're bringing money into the economy, you're smart,

0:21:04.600 --> 0:21:05.680
<v Speaker 2>you're talented.

0:21:05.560 --> 0:21:08.320
<v Speaker 1>For the city, you know, so it's just a good people.

0:21:08.200 --> 0:21:10.800
<v Speaker 2>Like, let's not push everyone out. I feel like that

0:21:10.840 --> 0:21:12.760
<v Speaker 2>happened in Jersey City, where I am a little bit,

0:21:13.000 --> 0:21:17.240
<v Speaker 2>a lot of bit anyway, Yeah, all right, my boost

0:21:17.280 --> 0:21:19.119
<v Speaker 2>this week, So I'm going to give a boost on

0:21:19.960 --> 0:21:22.720
<v Speaker 2>two of my favorite tools that I've been using so

0:21:23.000 --> 0:21:26.199
<v Speaker 2>back in the New year is here, but not for me.

0:21:26.240 --> 0:21:28.119
<v Speaker 2>It's my resolution is to get my money right, but

0:21:28.200 --> 0:21:30.240
<v Speaker 2>not because of the new year, because my wedding is

0:21:30.240 --> 0:21:32.520
<v Speaker 2>coming up obviously. So I want to give a shout

0:21:32.560 --> 0:21:34.640
<v Speaker 2>out to one app called Level Money, which I've talked

0:21:34.680 --> 0:21:36.560
<v Speaker 2>about a little bit before, but I don't know if

0:21:36.560 --> 0:21:39.480
<v Speaker 2>I give you all the details. And Level money was

0:21:39.520 --> 0:21:42.600
<v Speaker 2>recently purchased by Capital one okay or Capital one three sixty,

0:21:43.000 --> 0:21:45.360
<v Speaker 2>so they have some new bells and whistles. But this

0:21:45.440 --> 0:21:47.040
<v Speaker 2>is the app that I always tell people to go

0:21:47.080 --> 0:21:49.320
<v Speaker 2>to if they're like, I don't know, I can't, like

0:21:49.440 --> 0:21:50.680
<v Speaker 2>I don't know how much money. I just want to

0:21:50.720 --> 0:21:52.480
<v Speaker 2>know how much money I have right now to spend

0:21:52.520 --> 0:21:54.119
<v Speaker 2>for the week or for the month or whatever. They

0:21:54.200 --> 0:21:57.080
<v Speaker 2>just can't. They don't have the patience for the budgetiestas

0:21:57.080 --> 0:21:59.240
<v Speaker 2>super easy budget neist to tool. They're like me. They

0:21:59.240 --> 0:22:01.760
<v Speaker 2>have like eighty h you with budgeting, okay. So I

0:22:01.800 --> 0:22:05.160
<v Speaker 2>love level because you link your accounts obviously, but then

0:22:05.240 --> 0:22:07.720
<v Speaker 2>you can easily go through your expenses and then check

0:22:07.720 --> 0:22:10.199
<v Speaker 2>the ones that are recurring okay, And it knows all

0:22:10.240 --> 0:22:12.440
<v Speaker 2>of your recurring monthly bills, and it knows how much

0:22:12.480 --> 0:22:15.240
<v Speaker 2>money you have coming in, and it's tracking your expenses

0:22:15.320 --> 0:22:17.280
<v Speaker 2>during the week. And every day it tells you this

0:22:17.320 --> 0:22:19.040
<v Speaker 2>is how much you have to spend, and if you

0:22:19.080 --> 0:22:21.160
<v Speaker 2>go over then it just goes into the next day

0:22:21.240 --> 0:22:23.080
<v Speaker 2>spend or you can see here how much you have

0:22:23.119 --> 0:22:25.720
<v Speaker 2>to spend for the whole week. And it's really nice

0:22:25.760 --> 0:22:29.600
<v Speaker 2>because free, it's free, totally free. Level Money is the app.

0:22:29.600 --> 0:22:33.399
<v Speaker 2>It's an orange icon. I'm gonna look at the iTunes store.

0:22:34.359 --> 0:22:37.920
<v Speaker 2>It's my fave. But uh, say, just doing today and

0:22:38.040 --> 0:22:39.959
<v Speaker 2>Level Money. Oh so we just moved into a new

0:22:40.000 --> 0:22:42.280
<v Speaker 2>apartment and I could easily add my rent and then

0:22:42.320 --> 0:22:46.040
<v Speaker 2>adjusted everything really quick. It's my favorite. I don't know,

0:22:46.160 --> 0:22:49.960
<v Speaker 2>and for me, it's way more than Mint because Mint

0:22:49.960 --> 0:22:52.639
<v Speaker 2>doesn't like give me and at least I haven't used

0:22:52.680 --> 0:22:54.159
<v Speaker 2>the app in a while, but I don't get like,

0:22:54.200 --> 0:22:56.879
<v Speaker 2>here's what you can spend two days, okay, And the

0:22:56.880 --> 0:22:59.639
<v Speaker 2>problem with Mint is that I feel like Mint is

0:22:59.640 --> 0:23:01.879
<v Speaker 2>like more for tracking where you're over spending the different

0:23:01.880 --> 0:23:03.720
<v Speaker 2>categories because it's and but then you have to go

0:23:03.760 --> 0:23:05.920
<v Speaker 2>and like tag all the ones that are uncategorized, and

0:23:05.960 --> 0:23:07.120
<v Speaker 2>it's like such a pain in the butt.

0:23:07.200 --> 0:23:09.840
<v Speaker 1>Okay, Level I like that. Okay, Level Money. I'm gonna

0:23:09.840 --> 0:23:10.360
<v Speaker 1>look into.

0:23:10.280 --> 0:23:12.800
<v Speaker 2>Level Money and then my second one. So we just

0:23:12.880 --> 0:23:14.919
<v Speaker 2>moved and and this all kind of goes into like,

0:23:15.119 --> 0:23:17.760
<v Speaker 2>right now, my expenses are kind of out of control

0:23:17.800 --> 0:23:21.440
<v Speaker 2>because I'm buying like bridesmaids gifts and I'm buying you know,

0:23:21.600 --> 0:23:24.159
<v Speaker 2>like tickets for things here and there and making you know,

0:23:24.160 --> 0:23:26.040
<v Speaker 2>putting down deposits, so that like a lot of money

0:23:26.080 --> 0:23:27.520
<v Speaker 2>is flying out and I just need to make sure

0:23:27.560 --> 0:23:29.119
<v Speaker 2>I'm not spending more than I'm bringing in for the

0:23:29.160 --> 0:23:33.280
<v Speaker 2>month at a time. So we moved into a new apartment. Uh,

0:23:33.359 --> 0:23:35.720
<v Speaker 2>we have a beautiful kitchen. But like, one thing I've

0:23:35.720 --> 0:23:38.640
<v Speaker 2>gotten really real with with me and my fiance how

0:23:38.640 --> 0:23:40.360
<v Speaker 2>we work, is you want to you want to be like, oh,

0:23:40.359 --> 0:23:42.160
<v Speaker 2>I'm going to save money on groceries. So I'm gonna

0:23:42.160 --> 0:23:43.920
<v Speaker 2>make a list, go to the grocery store. We're gonna

0:23:43.920 --> 0:23:46.040
<v Speaker 2>plan our meals. We're gonna chop all the vegues on

0:23:46.119 --> 0:23:48.040
<v Speaker 2>Sunday and then put it all in zip blog bags

0:23:48.040 --> 0:23:50.040
<v Speaker 2>and be ready to go for work. And that like

0:23:50.160 --> 0:23:52.879
<v Speaker 2>never happens for us ever. I'm always too tired to

0:23:52.880 --> 0:23:55.120
<v Speaker 2>go to the grocery store after work. And you get

0:23:55.119 --> 0:23:57.800
<v Speaker 2>that text at like three point thirty and he's like, Yo,

0:23:57.880 --> 0:23:59.760
<v Speaker 2>what's for dinner, and I'm like, I don't know. You

0:23:59.800 --> 0:24:03.080
<v Speaker 2>tell me, I have a job done, what do you

0:24:03.119 --> 0:24:04.960
<v Speaker 2>think we should have for dinner? And you just get

0:24:04.960 --> 0:24:06.480
<v Speaker 2>in this like endless cycle and then you end up

0:24:06.480 --> 0:24:09.760
<v Speaker 2>on seamless and spending like fifty dollars on bad Thai food.

0:24:10.640 --> 0:24:12.720
<v Speaker 2>So I just got over it. And this this month

0:24:12.800 --> 0:24:15.280
<v Speaker 2>we signed up for Hello Fresh. Okay, I've heard of them,

0:24:15.320 --> 0:24:17.840
<v Speaker 2>which is one you know you've heard of these these

0:24:17.880 --> 0:24:21.480
<v Speaker 2>grocery or meal delivery services. We plated Blue Apron Hello Fresh.

0:24:22.560 --> 0:24:25.520
<v Speaker 2>There's a couple other I can't even remember, but I

0:24:25.600 --> 0:24:28.440
<v Speaker 2>decided to use HelloFresh because I love that you can

0:24:28.800 --> 0:24:30.960
<v Speaker 2>you can get four meals for two people for eighty

0:24:31.000 --> 0:24:33.560
<v Speaker 2>four dollars a week, So you do the math. That's like,

0:24:34.720 --> 0:24:37.359
<v Speaker 2>you do the math because I can't right now. Twenty

0:24:37.359 --> 0:24:40.040
<v Speaker 2>two dollars per meal, okay, twenty dollars twenty one dollars

0:24:40.080 --> 0:24:42.199
<v Speaker 2>per meal for that was like ten dollars per person

0:24:42.680 --> 0:24:46.280
<v Speaker 2>for like really good gourmet dinners. And I love because

0:24:46.320 --> 0:24:49.000
<v Speaker 2>you can you can select like a fit option. And

0:24:49.080 --> 0:24:51.440
<v Speaker 2>I we were on Plated before and it was all

0:24:51.480 --> 0:24:53.560
<v Speaker 2>really good food, but it was very like unhealthy, you

0:24:53.680 --> 0:24:56.560
<v Speaker 2>like pizza pizza, you know, sandwiches all that, you know,

0:24:56.640 --> 0:24:59.320
<v Speaker 2>not really healthy stuff. So I like Hello Fresh because

0:24:59.359 --> 0:25:01.280
<v Speaker 2>you can choose the fit meal plans. It's for getting,

0:25:01.320 --> 0:25:04.080
<v Speaker 2>you know, nice for the wedding, okay, and it's eighty

0:25:04.080 --> 0:25:06.760
<v Speaker 2>four bucks. And literally that box comes on Monday, and

0:25:06.800 --> 0:25:09.679
<v Speaker 2>it's like Christmas, like, oh, we're gonna have cherry glaze

0:25:09.880 --> 0:25:12.239
<v Speaker 2>park Chops for dinner and we're gonna have like what

0:25:12.240 --> 0:25:14.040
<v Speaker 2>do we make this week? That was so good? Sausage

0:25:14.080 --> 0:25:16.520
<v Speaker 2>bolonnais and like all this stuff, you know, like that

0:25:16.560 --> 0:25:19.320
<v Speaker 2>I would never make myself. I don't think I'll try.

0:25:19.440 --> 0:25:20.920
<v Speaker 1>What can you do?

0:25:20.200 --> 0:25:20.960
<v Speaker 2>Yeah? You do?

0:25:21.000 --> 0:25:22.600
<v Speaker 1>You pay for the month or by week by week.

0:25:22.800 --> 0:25:24.320
<v Speaker 2>Every week they get to do a new box and

0:25:24.359 --> 0:25:26.920
<v Speaker 2>you get charged that week and you have so every

0:25:27.080 --> 0:25:29.200
<v Speaker 2>like Monday, we'll get a charge for eighty four dollars,

0:25:29.720 --> 0:25:31.399
<v Speaker 2>so you can cancel. If you're going on a vacation,

0:25:31.520 --> 0:25:33.359
<v Speaker 2>you can can't like you can even go into the

0:25:33.400 --> 0:25:35.120
<v Speaker 2>future and you know you're gonna be gone for two weeks.

0:25:35.119 --> 0:25:36.520
<v Speaker 2>You don't want to forget or.

0:25:36.520 --> 0:25:36.800
<v Speaker 1>Can you do?

0:25:37.040 --> 0:25:37.240
<v Speaker 3>Like it?

0:25:37.359 --> 0:25:38.960
<v Speaker 1>Just like you know what, this week, I'm gonna try

0:25:39.000 --> 0:25:39.720
<v Speaker 1>something special?

0:25:40.320 --> 0:25:42.880
<v Speaker 2>You can so they have every week you can choose

0:25:42.920 --> 0:25:45.600
<v Speaker 2>your menu. So they have like seven to eight options,

0:25:45.640 --> 0:25:48.640
<v Speaker 2>maybe six to eight options. I feel like they have eight,

0:25:49.000 --> 0:25:51.280
<v Speaker 2>and then I pick four out of the eight. And so,

0:25:51.600 --> 0:25:53.920
<v Speaker 2>for example, Enrique doesn't like fish, so I always skip

0:25:53.960 --> 0:25:57.440
<v Speaker 2>the fish option. I usually skip the vegetarian options. I

0:25:57.480 --> 0:25:58.760
<v Speaker 2>feel like I don't get my money's worth.

0:25:58.960 --> 0:26:01.720
<v Speaker 1>Yeah no, But what I mean is that, like, could

0:26:01.760 --> 0:26:04.840
<v Speaker 1>I just order for like one week? Would you have

0:26:04.920 --> 0:26:06.080
<v Speaker 1>to like send? Yeah you could.

0:26:06.240 --> 0:26:07.960
<v Speaker 2>I mean it's gonna have your credit card, so yeah,

0:26:08.000 --> 0:26:10.280
<v Speaker 2>I mean, if you they and they always have these promotions,

0:26:10.280 --> 0:26:12.840
<v Speaker 2>I'll post a link and you can get like a

0:26:12.880 --> 0:26:14.680
<v Speaker 2>free box or whatever. I'll give you a free box

0:26:14.720 --> 0:26:16.240
<v Speaker 2>because once you join, you can give all your friends

0:26:16.240 --> 0:26:18.439
<v Speaker 2>free you know, weeks or whatever. Okay, that's how I

0:26:18.480 --> 0:26:19.080
<v Speaker 2>got in on it.

0:26:19.119 --> 0:26:21.200
<v Speaker 1>I definitely want to truck because I honestly have to

0:26:21.240 --> 0:26:23.919
<v Speaker 1>say I like cooking. I love cooking. It's just that

0:26:24.000 --> 0:26:26.239
<v Speaker 1>sometimes I'm like, oh, but I hate food chopping. When

0:26:26.280 --> 0:26:28.959
<v Speaker 1>I say I hate food chopping, like literally out like

0:26:29.040 --> 0:26:31.439
<v Speaker 1>I'm like Superman. So every time it's time to go

0:26:31.440 --> 0:26:34.680
<v Speaker 1>food shopping, I'm always like, wait, so what what can

0:26:34.720 --> 0:26:37.679
<v Speaker 1>I do? I could do the laundry. I could like

0:26:38.200 --> 0:26:40.280
<v Speaker 1>I can mow the lawn, I can I can paint

0:26:40.320 --> 0:26:43.200
<v Speaker 1>the house. Yeah, I hate because I take forever because

0:26:43.200 --> 0:26:46.480
<v Speaker 1>I'm looking at every deal, every sale, literally I food chop.

0:26:46.520 --> 0:26:49.439
<v Speaker 1>It takes me at minimum two hours. And then on

0:26:49.520 --> 0:26:52.280
<v Speaker 1>top of that that's just a shopping experience. Then you

0:26:52.280 --> 0:26:53.720
<v Speaker 1>gotta put it in your car, and then you have

0:26:53.760 --> 0:26:55.879
<v Speaker 1>to take it from your car. And Superman is usually

0:26:55.920 --> 0:26:57.560
<v Speaker 1>really good at like taking it from the car and

0:26:57.600 --> 0:26:58.960
<v Speaker 1>putting in the house, but it has to be put

0:26:58.960 --> 0:27:01.080
<v Speaker 1>put away after that, and you're like, all, my good,

0:27:01.320 --> 0:27:03.159
<v Speaker 1>this is like a half a day ordeal. That's what

0:27:03.280 --> 0:27:04.359
<v Speaker 1>I feel like in my hours.

0:27:04.400 --> 0:27:06.480
<v Speaker 2>And this happens to me. This happened to me the

0:27:06.520 --> 0:27:08.720
<v Speaker 2>week before we signed up. I was like, I'm done.

0:27:08.840 --> 0:27:12.000
<v Speaker 2>We went to key Food for mustard. We spent eighty

0:27:12.040 --> 0:27:14.639
<v Speaker 2>dollars mustard. I don't know what we spent it on,

0:27:14.720 --> 0:27:16.080
<v Speaker 2>but lots of things that we just all of a

0:27:16.080 --> 0:27:16.760
<v Speaker 2>sudden needed.

0:27:16.880 --> 0:27:18.040
<v Speaker 1>I'm gonna look into that, honest.

0:27:18.320 --> 0:27:20.480
<v Speaker 2>I think it helps with well, it helps with I

0:27:20.480 --> 0:27:22.040
<v Speaker 2>think it is the list that I need. It's like,

0:27:22.200 --> 0:27:24.760
<v Speaker 2>you only get what you need. You're not wasting food

0:27:24.800 --> 0:27:27.439
<v Speaker 2>like I'm constantly wasting crap. You're not wasting food. You're

0:27:27.440 --> 0:27:30.320
<v Speaker 2>getting a really delicious meal, and he cooks. It's like

0:27:30.400 --> 0:27:32.600
<v Speaker 2>all he needs to cook. I feel like all men want.

0:27:32.600 --> 0:27:34.320
<v Speaker 2>It's like, give me the directions, give me the ingredients.

0:27:34.359 --> 0:27:35.280
<v Speaker 2>Here's everything I need.

0:27:35.359 --> 0:27:37.479
<v Speaker 1>Can you up it? Like because we have I'm thinking,

0:27:37.560 --> 0:27:40.679
<v Speaker 1>like I wonder if the two people be But Supergirl's

0:27:40.720 --> 0:27:42.640
<v Speaker 1>not always with us, so I wonder if two would

0:27:42.640 --> 0:27:45.520
<v Speaker 1>be enough, meaning like you know, he surprisingly even though

0:27:45.520 --> 0:27:48.200
<v Speaker 1>Superman is really tall, he's not a big portions guy.

0:27:48.440 --> 0:27:50.400
<v Speaker 1>I wonder if like two could really be like two

0:27:50.440 --> 0:27:51.399
<v Speaker 1>and a half because she's like that.

0:27:51.560 --> 0:27:54.040
<v Speaker 2>Sometimes usually with the meals that come with pasta or rice,

0:27:54.119 --> 0:27:56.920
<v Speaker 2>there's usually plenty for two. When it was like when

0:27:56.960 --> 0:27:58.480
<v Speaker 2>it's like we made chicken, what do we make?

0:27:58.520 --> 0:27:58.639
<v Speaker 3>Oh?

0:27:58.680 --> 0:28:02.320
<v Speaker 2>We mean these like amazing turkey like Thanksgiving burgers. It

0:28:02.400 --> 0:28:04.680
<v Speaker 2>was so good, but that was just there was two

0:28:04.680 --> 0:28:07.640
<v Speaker 2>buns just like turkey, you know, ground meat for like two.

0:28:07.840 --> 0:28:08.960
<v Speaker 1>Okay, but it depends.

0:28:09.000 --> 0:28:10.640
<v Speaker 2>Sometimes we have left risk for lunch the next day,

0:28:10.640 --> 0:28:12.439
<v Speaker 2>which is like even better value.

0:28:12.480 --> 0:28:14.080
<v Speaker 1>And you said in how many meals is it?

0:28:14.200 --> 0:28:16.040
<v Speaker 2>You can neither do two? I think you can do

0:28:16.119 --> 0:28:17.640
<v Speaker 2>one person, you.

0:28:17.560 --> 0:28:20.600
<v Speaker 1>Know, meaning like for four days? You said, how many days.

0:28:20.359 --> 0:28:23.520
<v Speaker 2>Four days, so we get eight meals, but four days

0:28:23.520 --> 0:28:26.040
<v Speaker 2>for the food and that's just our dinner and then

0:28:26.080 --> 0:28:28.280
<v Speaker 2>Friday we eat out anyway. So it's yeah, and I

0:28:28.280 --> 0:28:29.800
<v Speaker 2>feel like we're saving tons of money.

0:28:29.840 --> 0:28:30.639
<v Speaker 1>Yeah, I'm not gonna want it.

0:28:30.680 --> 0:28:32.000
<v Speaker 2>Feels like you're you know, every time my.

0:28:31.920 --> 0:28:35.960
<v Speaker 1>Food chop at minimum two hundred dollars, sometimes upwards of

0:28:36.040 --> 0:28:38.400
<v Speaker 1>three something. So who, I'm like, who lives here that

0:28:38.440 --> 0:28:40.920
<v Speaker 1>we're eating? And I might food chop maybe two two

0:28:41.000 --> 0:28:44.400
<v Speaker 1>to three times a month. That's crazy. So we're spending

0:28:44.400 --> 0:28:47.280
<v Speaker 1>at at minimum, honestly a month on food at minimum

0:28:47.320 --> 0:28:48.400
<v Speaker 1>four hundred dollars.

0:28:48.240 --> 0:28:50.920
<v Speaker 2>And that's even low. Like we spent way more than that.

0:28:50.960 --> 0:28:53.520
<v Speaker 1>And that's how I said on minimum. I really venture

0:28:53.560 --> 0:28:55.360
<v Speaker 1>to say we probably spent like five to six hundred

0:28:55.400 --> 0:28:58.080
<v Speaker 1>dollars a month for three people, really three and a half. Yeah,

0:28:58.120 --> 0:28:58.840
<v Speaker 1>you know, that's crazy.

0:28:58.840 --> 0:29:01.320
<v Speaker 2>To try something new sometimes and it's like go buy

0:29:01.600 --> 0:29:02.560
<v Speaker 2>I don't know, uh.

0:29:02.720 --> 0:29:04.360
<v Speaker 1>A bock choy, you're like, and then you buy a

0:29:04.360 --> 0:29:05.160
<v Speaker 1>whole thing a bock choy.

0:29:05.200 --> 0:29:07.440
<v Speaker 2>You like spices, spices, you're like seven dollars a pop,

0:29:07.760 --> 0:29:11.240
<v Speaker 2>like some turmeric and you're gonna need quarter Hello, fresh

0:29:11.280 --> 0:29:14.440
<v Speaker 2>gives you exactly a quarter cheese. I'm gonna try it's

0:29:14.480 --> 0:29:16.239
<v Speaker 2>it's fan tabulous.

0:29:15.800 --> 0:29:17.320
<v Speaker 1>You know, even if I just do it, like, you know,

0:29:17.440 --> 0:29:19.600
<v Speaker 1>twice a month. I think I'm gonna try. Give it

0:29:19.640 --> 0:29:21.000
<v Speaker 1>a try. Okay, I'll hook you up.

0:29:21.880 --> 0:29:22.080
<v Speaker 2>You know.

0:29:22.120 --> 0:29:25.600
<v Speaker 1>See already I've got my new my new Chase Sapphire

0:29:25.600 --> 0:29:29.280
<v Speaker 1>Reserve card, thanks today. I ain't that it's metal. Now.

0:29:29.360 --> 0:29:31.600
<v Speaker 1>We are not big, We're not big pushes of go

0:29:31.640 --> 0:29:33.800
<v Speaker 1>get credit. This is but this is a perfect fit

0:29:33.840 --> 0:29:36.040
<v Speaker 1>for someone like me who spends the money anyway, especially

0:29:36.080 --> 0:29:39.000
<v Speaker 1>on business, and I travel a lot, and so this

0:29:39.120 --> 0:29:42.560
<v Speaker 1>is like literally the perfect fit card. So yeah, but

0:29:42.600 --> 0:29:44.560
<v Speaker 1>don't go running out and getting stuff. I know, like

0:29:44.600 --> 0:29:47.200
<v Speaker 1>the I've heard that the whole one hundred thousand dollars

0:29:47.200 --> 0:29:49.200
<v Speaker 1>point thing is over. But if you actually go into

0:29:49.440 --> 0:29:52.160
<v Speaker 1>a Chase bank, I've heard that they're honoring it for

0:29:52.280 --> 0:29:55.479
<v Speaker 1>like the next for another month. Ooh okay, yeah, so

0:29:55.520 --> 0:29:57.200
<v Speaker 1>for cause I saw it, like I was reading stuff

0:29:57.200 --> 0:29:57.960
<v Speaker 1>online more about it.

0:29:58.040 --> 0:29:59.640
<v Speaker 2>Yeah, And if you guys want to know how I

0:29:59.680 --> 0:30:01.960
<v Speaker 2>know I started last year. Last week I told the

0:30:02.000 --> 0:30:04.760
<v Speaker 2>story of how I booked our honeymoon to Italy and

0:30:04.800 --> 0:30:07.840
<v Speaker 2>Spain for two hundred books and everyone wants to know

0:30:07.920 --> 0:30:10.360
<v Speaker 2>why our how So I wrote that, you know, my

0:30:10.560 --> 0:30:13.240
<v Speaker 2>entire explanation, a really good, like in depth guide to

0:30:13.280 --> 0:30:14.320
<v Speaker 2>how I use my points.

0:30:14.920 --> 0:30:16.160
<v Speaker 1>I want to send it with the dream cashers. I

0:30:16.200 --> 0:30:17.680
<v Speaker 1>want to post it in the group excellent.

0:30:17.760 --> 0:30:20.880
<v Speaker 2>I've published on Yahoo Finance, so I'll share the link

0:30:20.960 --> 0:30:23.080
<v Speaker 2>on the on Brown Ambition podcast dot com. We'll put

0:30:23.120 --> 0:30:23.880
<v Speaker 2>on the Facebook page.

0:30:23.880 --> 0:30:26.640
<v Speaker 1>But no, but it even just post it yourself because

0:30:26.640 --> 0:30:28.400
<v Speaker 1>they would like travel is one of the number one

0:30:28.440 --> 0:30:30.640
<v Speaker 1>things they would love that, so please share that. They're

0:30:30.680 --> 0:30:36.720
<v Speaker 1>going to be like Mandy is this many.

0:30:36.000 --> 0:30:38.400
<v Speaker 2>And it's it's written by a Nube before Nubes is

0:30:38.400 --> 0:30:42.600
<v Speaker 2>how I feel because like all those miles like.

0:30:41.760 --> 0:30:44.160
<v Speaker 1>The points guy, I'm like, I'm sure what you're saying true,

0:30:44.280 --> 0:30:45.160
<v Speaker 1>but I don't know what you're talking.

0:30:45.240 --> 0:30:47.720
<v Speaker 2>I'm like, here's the screenshot, here's where you go. You know.

0:30:48.040 --> 0:30:49.440
<v Speaker 1>No, I'm gonna I want to read it.

0:30:49.720 --> 0:30:51.120
<v Speaker 2>I'm excited, exciting stuff.

0:31:00.440 --> 0:31:04.400
<v Speaker 1>So now it's time for question. So this week question

0:31:04.880 --> 0:31:06.719
<v Speaker 1>it's from I'm as me get to Jamie.

0:31:08.280 --> 0:31:08.600
<v Speaker 2>Jamie.

0:31:08.680 --> 0:31:11.320
<v Speaker 1>Yeah, recently I got a new job in media New York.

0:31:11.360 --> 0:31:11.920
<v Speaker 3>Woo woop.

0:31:12.200 --> 0:31:14.960
<v Speaker 1>I've added the woop woop. After freelancing to pay the

0:31:15.000 --> 0:31:17.560
<v Speaker 1>bills and relying on my mom to help, I'm so

0:31:17.680 --> 0:31:19.520
<v Speaker 1>blessed to finally have a job at a company that

0:31:19.560 --> 0:31:23.080
<v Speaker 1>I'm really excited to work for. The only end quote problem,

0:31:23.320 --> 0:31:26.000
<v Speaker 1>I'm making a lot of money. That's not what they said.

0:31:26.040 --> 0:31:27.920
<v Speaker 2>There's a crap ton of money.

0:31:28.000 --> 0:31:31.000
<v Speaker 1>Yes, I have no idea where to begin, but I

0:31:31.080 --> 0:31:35.360
<v Speaker 1>know that with a package that almost pulls me into

0:31:35.440 --> 0:31:38.640
<v Speaker 1>six figures. Okay, so this person is making almost six figures.

0:31:38.640 --> 0:31:41.640
<v Speaker 1>I need to be investing or doing something. How important

0:31:41.680 --> 0:31:43.680
<v Speaker 1>important is it for me to work with an accountant?

0:31:43.920 --> 0:31:45.920
<v Speaker 1>And how do I go about finding a good one?

0:31:46.080 --> 0:31:48.600
<v Speaker 1>I have a small fear of getting an accountant that

0:31:48.760 --> 0:31:51.800
<v Speaker 1>will see that I'm young and take advantage of me

0:31:51.880 --> 0:31:54.960
<v Speaker 1>and my money. So Jamie, I'm so glad that she

0:31:55.000 --> 0:31:56.440
<v Speaker 1>wanted to be financially responsible.

0:31:56.960 --> 0:31:57.719
<v Speaker 2>Good problem to have.

0:31:57.880 --> 0:32:01.600
<v Speaker 1>Yes, So one, I think that maybe you are misinterpreting

0:32:01.640 --> 0:32:04.480
<v Speaker 1>what type of person you need and accountant is going

0:32:04.520 --> 0:32:07.360
<v Speaker 1>to help you with your taxes and lower your tax burden.

0:32:07.640 --> 0:32:09.160
<v Speaker 1>It sounds like to me you need more of a

0:32:09.200 --> 0:32:12.040
<v Speaker 1>financial planner and a financial advisor.

0:32:12.560 --> 0:32:15.000
<v Speaker 2>Maybe. Yes, Here's what I'll say about New York City,

0:32:15.200 --> 0:32:20.120
<v Speaker 2>six figures ain't what it is in Atlanta, Georgia. So

0:32:21.560 --> 0:32:23.240
<v Speaker 2>and I know a lot of people who make six

0:32:23.320 --> 0:32:26.280
<v Speaker 2>figures and are not living any better than my little

0:32:26.280 --> 0:32:29.360
<v Speaker 2>brother who's entry level sales in Georgia right now. So

0:32:29.440 --> 0:32:31.440
<v Speaker 2>I feel like, one, you need to stop thinking about

0:32:31.440 --> 0:32:33.040
<v Speaker 2>the six figures. First of all, you haven't earned it yet.

0:32:33.040 --> 0:32:35.600
<v Speaker 2>It's a new job. You're not six figures yet. You

0:32:35.600 --> 0:32:38.080
<v Speaker 2>know you're just earning your first good paycheck. Do have

0:32:38.200 --> 0:32:40.680
<v Speaker 2>you been saving over this times? You have a saved

0:32:40.800 --> 0:32:42.600
<v Speaker 2>You haven't said if you have a savings account yet

0:32:42.680 --> 0:32:45.320
<v Speaker 2>or money set aside? There? Have you started investing in

0:32:45.320 --> 0:32:47.800
<v Speaker 2>your company? Four one k if they offer one, I

0:32:47.800 --> 0:32:49.400
<v Speaker 2>feel like you know you say you feel like you

0:32:49.480 --> 0:32:52.000
<v Speaker 2>need to start investing, And I think people's mind automatically

0:32:52.000 --> 0:32:54.120
<v Speaker 2>takes them to like Wall Street. Each trade, I need

0:32:54.160 --> 0:32:56.640
<v Speaker 2>to be like trading, swapping stocks and buying Tesla stock

0:32:56.680 --> 0:32:59.360
<v Speaker 2>and stuff like that. People forget that a four to

0:32:59.360 --> 0:33:01.920
<v Speaker 2>one K isn't an investment. Yes, and at the very least,

0:33:01.920 --> 0:33:04.400
<v Speaker 2>you should be mat you should. You should whatever your

0:33:04.440 --> 0:33:08.040
<v Speaker 2>company matches you, you should be putting. So if they say, hey, Jamie,

0:33:08.360 --> 0:33:10.640
<v Speaker 2>if you put five percent, we'll put five percent put

0:33:10.720 --> 0:33:12.560
<v Speaker 2>up to at the very least what they're going to

0:33:12.600 --> 0:33:14.400
<v Speaker 2>put up to, you know, or else you're really just

0:33:14.480 --> 0:33:17.320
<v Speaker 2>leaving money on the table. Say it again. I started

0:33:17.360 --> 0:33:20.960
<v Speaker 2>saving my four one K like four How old is

0:33:21.000 --> 0:33:24.320
<v Speaker 2>that I'm getting on twenty I was twenty four, so that's

0:33:24.400 --> 0:33:27.640
<v Speaker 2>been a little over five years now and I have

0:33:28.280 --> 0:33:31.480
<v Speaker 2>just in that four to one K over forty thousand

0:33:31.520 --> 0:33:33.480
<v Speaker 2>dollars just in five years. And that's just saving like

0:33:33.480 --> 0:33:35.360
<v Speaker 2>my little ten percent and getting like a match here

0:33:35.400 --> 0:33:37.520
<v Speaker 2>or there, and I watch it grow all the time.

0:33:37.600 --> 0:33:39.680
<v Speaker 2>You know, I haven't even touched mine from Yahoo when

0:33:39.680 --> 0:33:41.840
<v Speaker 2>I left in May, and it's getting like two thousand

0:33:41.840 --> 0:33:45.240
<v Speaker 2>dollars this year, which is nuts, just you know, me

0:33:45.320 --> 0:33:47.600
<v Speaker 2>sitting on my button doing nothing. So start investing in

0:33:47.600 --> 0:33:49.760
<v Speaker 2>your four to one K. If you need help, you

0:33:49.760 --> 0:33:52.400
<v Speaker 2>should be able to contact your four one K provider,

0:33:52.440 --> 0:33:54.800
<v Speaker 2>if it's like a Vanguard or Schwab or td amor

0:33:54.880 --> 0:33:58.840
<v Speaker 2>Trade or whatever. If you've ticked all those boxes right,

0:33:59.680 --> 0:34:02.600
<v Speaker 2>I think that finding a financial planner could be super

0:34:02.600 --> 0:34:05.520
<v Speaker 2>helpful if you want to know, you know, what next level,

0:34:05.520 --> 0:34:08.400
<v Speaker 2>how to reach some like fun goals, starting a travel funds,

0:34:09.480 --> 0:34:12.040
<v Speaker 2>And for that I'd say I have a financial planner.

0:34:12.080 --> 0:34:16.040
<v Speaker 2>I found mine through one of these like planning networks.

0:34:16.080 --> 0:34:21.280
<v Speaker 2>There's xy Planning, there's Garrett Planning Network. But even before

0:34:21.400 --> 0:34:25.160
<v Speaker 2>I did that, I signed up for learn Vest and

0:34:25.280 --> 0:34:27.360
<v Speaker 2>learned Vest started in two thousand and nine, and I

0:34:27.360 --> 0:34:29.799
<v Speaker 2>think it's a pretty it's pretty solid, actually magnified money.

0:34:29.800 --> 0:34:33.919
<v Speaker 2>We just had my reporter Brittany Laia just did learn

0:34:34.040 --> 0:34:36.520
<v Speaker 2>Vest for three months, had a financial planner through them,

0:34:37.320 --> 0:34:39.720
<v Speaker 2>and did an amazing review of learned Vest. So I'll

0:34:39.760 --> 0:34:42.040
<v Speaker 2>post that for it and that to you, and it

0:34:42.040 --> 0:34:44.879
<v Speaker 2>has a complete review. And the reason I like learn

0:34:44.960 --> 0:34:48.840
<v Speaker 2>Vest is one, it's low cost, it's accessible financial planning advice.

0:34:48.920 --> 0:34:51.680
<v Speaker 2>It's two hundred and ninety nine dollars up front, which

0:34:51.719 --> 0:34:53.719
<v Speaker 2>I can say with experience having my financial planner is

0:34:53.760 --> 0:34:56.680
<v Speaker 2>pretty standard. And then every month going forward you pay

0:34:56.760 --> 0:34:59.279
<v Speaker 2>nineteen dollars a month, which is pretty good, not bad.

0:34:59.520 --> 0:35:01.760
<v Speaker 2>And then you can access to them twenty four to seven.

0:35:02.760 --> 0:35:05.920
<v Speaker 2>You have two planning sessions and they deliver you a

0:35:06.120 --> 0:35:08.600
<v Speaker 2>whole financial plan that tells you how much you should

0:35:08.600 --> 0:35:10.480
<v Speaker 2>be saving, how much you'll need for retirement.

0:35:10.760 --> 0:35:12.799
<v Speaker 1>Do they tell you where to put your retirement fund

0:35:12.800 --> 0:35:13.800
<v Speaker 1>in money or do you.

0:35:13.680 --> 0:35:16.680
<v Speaker 2>Just I don't know if they've started doing like financially,

0:35:16.719 --> 0:35:18.680
<v Speaker 2>but I don't know if they've started doing investment advice

0:35:18.719 --> 0:35:19.640
<v Speaker 2>outside of four one.

0:35:19.640 --> 0:35:21.840
<v Speaker 1>K okay, because I'll say they can say that. Sometimes

0:35:21.880 --> 0:35:25.239
<v Speaker 1>you get confused about like what Like myself, I call

0:35:25.280 --> 0:35:28.759
<v Speaker 1>myself a financial educator, meaning I don't sell financial services,

0:35:28.920 --> 0:35:31.440
<v Speaker 1>you know, I'm just like, hey, this is what credit is,

0:35:31.480 --> 0:35:33.200
<v Speaker 1>this is what dead is. Here's some tools that you

0:35:33.239 --> 0:35:34.960
<v Speaker 1>can use to do that. Right. Then you have a

0:35:34.960 --> 0:35:38.680
<v Speaker 1>financial planner, which looks at your life and totality and says,

0:35:39.000 --> 0:35:41.160
<v Speaker 1>here's what you can do to reach those goals that

0:35:41.200 --> 0:35:44.080
<v Speaker 1>you want to reach, but not just investing wise, but

0:35:44.160 --> 0:35:46.680
<v Speaker 1>just savings and spending and that kind of stuff. And

0:35:46.680 --> 0:35:49.719
<v Speaker 1>then you have a financial advisor. So legally to be

0:35:49.719 --> 0:35:53.000
<v Speaker 1>called a financial advisor, you have to have certain certifications

0:35:53.000 --> 0:35:57.000
<v Speaker 1>that allow you to make to make suggestions as it

0:35:57.000 --> 0:35:59.719
<v Speaker 1>relates to investing in insurance. So you just want to

0:35:59.760 --> 0:36:02.839
<v Speaker 1>know the wording is really important for what you're looking for.

0:36:02.960 --> 0:36:06.280
<v Speaker 1>What me and Mandy are saying our planner and advisor

0:36:06.360 --> 0:36:08.239
<v Speaker 1>or probably what you're looking for. Not to say you

0:36:08.239 --> 0:36:11.440
<v Speaker 1>shouldn't have an accountant, but your accountant's job is to

0:36:11.520 --> 0:36:14.960
<v Speaker 1>protect you as it relates to your taxes, you know,

0:36:15.040 --> 0:36:17.080
<v Speaker 1>so just be mindful of like you know what it

0:36:17.120 --> 0:36:20.040
<v Speaker 1>is that you're looking for, Jamie. But so hopefully we answered.

0:36:19.719 --> 0:36:22.680
<v Speaker 2>Your question and just real quick since you brought it up.

0:36:22.680 --> 0:36:24.439
<v Speaker 2>And that's a good point too, whether they do give

0:36:24.480 --> 0:36:26.840
<v Speaker 2>investment advice or not. So my planner does. She's a

0:36:26.840 --> 0:36:30.759
<v Speaker 2>certified financial advisor investment advisor and she's registered and you

0:36:30.760 --> 0:36:32.880
<v Speaker 2>can check all that out. I'll even put some tips

0:36:32.880 --> 0:36:36.920
<v Speaker 2>on how to how to do a background check on

0:36:36.960 --> 0:36:39.960
<v Speaker 2>your financial advisor to make sure they're actually listed with

0:36:40.040 --> 0:36:44.080
<v Speaker 2>the what is it the r R I a certified

0:36:44.120 --> 0:36:48.360
<v Speaker 2>Registered Investment Advisor Okay, And there's something called broker broker

0:36:48.600 --> 0:36:53.240
<v Speaker 2>Check through FINRA, which is the Financial something something industry

0:36:53.280 --> 0:36:56.160
<v Speaker 2>regulator and authority. Sorry I don't know owe my accrodence,

0:36:56.200 --> 0:36:58.680
<v Speaker 2>but it's broker check and you can plug in the

0:36:58.719 --> 0:37:00.680
<v Speaker 2>name of your advisor and see if they pop up

0:37:00.719 --> 0:37:02.680
<v Speaker 2>and it'll show. Like I mean, I don't think it's

0:37:02.719 --> 0:37:05.000
<v Speaker 2>like the end all be all of you know, background checks,

0:37:05.000 --> 0:37:06.480
<v Speaker 2>but it's a good at least you can tell hey,

0:37:06.480 --> 0:37:08.760
<v Speaker 2>their license and they've actually been working for a while.

0:37:17.640 --> 0:37:19.320
<v Speaker 1>So are we ready to wrap up with some wins.

0:37:19.480 --> 0:37:21.480
<v Speaker 1>I have a quick win. Okay, I want to give

0:37:21.520 --> 0:37:25.719
<v Speaker 1>this win to my friend Lucinda Cross. There's this new

0:37:25.760 --> 0:37:28.560
<v Speaker 1>show on Centric, which is owned by VT. Centric is

0:37:28.600 --> 0:37:31.839
<v Speaker 1>a is a network specifically for women of color. It's

0:37:31.880 --> 0:37:35.440
<v Speaker 1>called Queen Boss and so Queen Boss is like Shark

0:37:35.480 --> 0:37:38.480
<v Speaker 1>Tank for women of color. It's super awesome. You have

0:37:38.560 --> 0:37:41.759
<v Speaker 1>this panel of dope women that have their own very

0:37:41.800 --> 0:37:45.160
<v Speaker 1>successful businesses and then you have these these women that

0:37:45.280 --> 0:37:48.600
<v Speaker 1>kind of come and pitch to them that also have businesses,

0:37:48.600 --> 0:37:50.879
<v Speaker 1>but they have businesses that they're looking for advice and

0:37:50.920 --> 0:37:53.560
<v Speaker 1>funding for. The funding is twenty five thousand dollars that

0:37:53.560 --> 0:37:54.359
<v Speaker 1>they win at the end.

0:37:54.800 --> 0:37:57.279
<v Speaker 2>If you should win, set price, yes and so.

0:37:57.320 --> 0:37:59.120
<v Speaker 1>But it's been great because the women get the pitch

0:37:59.120 --> 0:38:01.160
<v Speaker 1>and you get to learn about these awesome new businesses

0:38:01.200 --> 0:38:03.760
<v Speaker 1>run by women of color. So my friend Lucinda Cross

0:38:03.840 --> 0:38:07.600
<v Speaker 1>is on there. Her product was a vision board box

0:38:08.560 --> 0:38:10.440
<v Speaker 1>and like you would take all these things out and

0:38:10.600 --> 0:38:12.759
<v Speaker 1>create your own vision board. And so she was up

0:38:12.800 --> 0:38:15.000
<v Speaker 1>against two other women and she moved forward to the

0:38:15.000 --> 0:38:18.040
<v Speaker 1>semi final round as of last night. So it's really dope.

0:38:18.080 --> 0:38:20.560
<v Speaker 1>It's just really honestly, all the women were amazing. So

0:38:20.600 --> 0:38:23.360
<v Speaker 1>it's just it was positive programming. It wasn't negative. It

0:38:23.440 --> 0:38:25.520
<v Speaker 1>wasn't It was just these are some women of color,

0:38:25.640 --> 0:38:27.839
<v Speaker 1>they have businesses. They're picking the other women who are

0:38:27.840 --> 0:38:30.480
<v Speaker 1>more successful than them, who are giving them great solid

0:38:30.520 --> 0:38:37.080
<v Speaker 1>advice and who's back in centric ob So congratulations Lucinda.

0:38:37.239 --> 0:38:38.759
<v Speaker 2>What's the vision board called? What's it called?

0:38:38.840 --> 0:38:42.640
<v Speaker 1>It's called Activates Activate your vision? I think, I think

0:38:42.680 --> 0:38:45.240
<v Speaker 1>so if you just look up Lucinda Cross, you can't

0:38:45.280 --> 0:38:46.000
<v Speaker 1>miss it.

0:38:46.160 --> 0:38:49.040
<v Speaker 2>Awesome. I win this week. Oh, I have a couple,

0:38:49.040 --> 0:38:51.560
<v Speaker 2>but they're gonna be quick, I promise, Okay, one I

0:38:51.600 --> 0:38:54.319
<v Speaker 2>don't know. I know the dream catchers are waiting. It's

0:38:54.320 --> 0:38:56.040
<v Speaker 2>my fault. So I want to give a shout out

0:38:56.080 --> 0:38:58.719
<v Speaker 2>to four year old Dahlia Aurana. She's a four year

0:38:58.719 --> 0:39:01.239
<v Speaker 2>old who's read over a thousand and is like the

0:39:01.320 --> 0:39:03.880
<v Speaker 2>baby boss of the Library of Congress. She's become an

0:39:03.880 --> 0:39:07.680
<v Speaker 2>honorary librarian, got to go to the Capitol. Please just

0:39:07.719 --> 0:39:10.319
<v Speaker 2>go google her. Dalia Aurana. She's like adorable. She's in

0:39:10.360 --> 0:39:13.160
<v Speaker 2>like a little pink skirt suit like Hillary, and you

0:39:13.280 --> 0:39:15.560
<v Speaker 2>just see her strutting. I can't believe she's four years old.

0:39:15.560 --> 0:39:18.520
<v Speaker 2>She lives she's four going on like forty four, but

0:39:18.560 --> 0:39:22.200
<v Speaker 2>go ahead, girl. And she's from Gainesville, Georgia, so yeah, Georgia.

0:39:22.239 --> 0:39:27.080
<v Speaker 2>Who says we're not smart SAT scores nationally do But anyway,

0:39:27.680 --> 0:39:30.440
<v Speaker 2>and another win real quick. So they released an honorary

0:39:30.640 --> 0:39:33.640
<v Speaker 2>version of the the US. The US Men released a

0:39:33.680 --> 0:39:37.319
<v Speaker 2>co commemorative one hundred dollars gold coin that features an

0:39:37.360 --> 0:39:39.760
<v Speaker 2>image of a buck. Yes, I saw that as Lady Libery,

0:39:39.760 --> 0:39:42.200
<v Speaker 2>which is pretty dope. And she's got braids and looks

0:39:42.200 --> 0:39:46.080
<v Speaker 2>really cool. And they're apparently going to do versions depicting

0:39:46.080 --> 0:39:49.040
<v Speaker 2>Asian Americans, Hispanic Americans, as Indian Americans. I want to

0:39:49.040 --> 0:39:51.480
<v Speaker 2>collect them one as well, which is really cool. The

0:39:51.520 --> 0:39:55.239
<v Speaker 2>coin's coming out April sixth, Financial Literacy only one of

0:39:55.280 --> 0:39:58.680
<v Speaker 2>a wedding keft and my wins.

0:39:58.760 --> 0:40:00.520
<v Speaker 1>Yes, I think we had. I feel like we had

0:40:00.520 --> 0:40:01.080
<v Speaker 1>a good week.

0:40:01.400 --> 0:40:02.879
<v Speaker 2>I had a great week. This was a quick show.

0:40:02.920 --> 0:40:05.160
<v Speaker 2>You're welcome. You're probably like yay, not another an hour.

0:40:05.040 --> 0:40:07.319
<v Speaker 1>And a half whatever, somebody's still doing bitious Like wait,

0:40:07.360 --> 0:40:09.000
<v Speaker 1>I still have the pot left. I need you guys

0:40:09.040 --> 0:40:11.640
<v Speaker 1>are still talk all right? We bid you ed zoo

0:40:11.680 --> 0:40:13.280
<v Speaker 1>and if you are dreamcashure, we bid.

0:40:13.120 --> 0:40:17.840
<v Speaker 2>You Hello and remember if you have questions concerns, please

0:40:17.880 --> 0:40:21.040
<v Speaker 2>go to broad Ambition podcast dot com and while you're

0:40:21.040 --> 0:40:23.840
<v Speaker 2>at it, just rooke what we need to. Please, please

0:40:23.880 --> 0:40:26.560
<v Speaker 2>please ask you to leave us a review on iTunes.

0:40:26.800 --> 0:40:29.080
<v Speaker 2>I recently noticed that we're falling in the ratings, not

0:40:29.320 --> 0:40:32.440
<v Speaker 2>because we are getting any less downloads. In fact, January's

0:40:32.440 --> 0:40:34.560
<v Speaker 2>been a record month for us and downloads, thank you

0:40:34.640 --> 0:40:36.960
<v Speaker 2>so so much, But it's because we're not getting as

0:40:37.000 --> 0:40:40.600
<v Speaker 2>many reviews as the other shows. So please, reviews actually matter.

0:40:40.600 --> 0:40:43.520
<v Speaker 2>I've done this research iTunes favor shows I had more reviews.

0:40:43.560 --> 0:40:45.840
<v Speaker 2>So you send us all the emails, all the tweets,

0:40:45.880 --> 0:40:47.960
<v Speaker 2>all the Facebook messages, but please take time go to

0:40:48.000 --> 0:40:51.160
<v Speaker 2>iTunes and leave us a review. However many stars you'd like,

0:40:51.239 --> 0:40:53.520
<v Speaker 2>just leave one. Yes, we really really appreciate.

0:40:53.560 --> 0:40:54.799
<v Speaker 1>We gonna do it. We're gonna do some sort of

0:40:55.239 --> 0:40:58.520
<v Speaker 1>an incentive for you guys, like some sort of like contests.

0:40:58.600 --> 0:41:00.000
<v Speaker 2>Yeah, that would be cool. We'll do another one.

0:41:00.120 --> 0:41:01.799
<v Speaker 1>Yes, we did well, so you forgot to do it

0:41:01.800 --> 0:41:03.560
<v Speaker 1>this week? Did alright?

0:41:04.360 --> 0:41:08.480
<v Speaker 2>Alright, bye bye bye, alright