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Speaker 1: Hey, hey, Hey, we're back where black book book bread

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Speaker 1: and ambition, ambition, ambition. Hey, Andrea, how you a little girl?

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Speaker 2: I thought you were going to put like a little

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Speaker 2: Elvis flavor on it by coming Vegas like my little transition. Yes,

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Speaker 2: I do. What even are you there for?

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Speaker 1: So if I haven't budget means to the Vegas I

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Speaker 1: you know, I know right, I'm in Vegas for my

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Speaker 1: besties fiftieth birthday. Happy birthday to you, Cabrown. Yeah, I

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Speaker 1: know it's brother doesn't get fifty, but I mean, we're here.

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Speaker 1: I always heard that black one crack unless you do it,

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Speaker 1: and he doesn't. So he looks great. Good for him,

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Speaker 1: and so you know, like some people, this is not me,

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Speaker 1: but some people are really good like friend people. I'm

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Speaker 1: not like a bad friend, but literally, he has like

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Speaker 1: fifteen twenty people here who flew from all around the

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Speaker 1: country to come to Vegas for him for like four days.

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Speaker 1: And there are people here, Oh, this is my friend

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Speaker 1: group from high school. I'm like, I don't I think

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Speaker 1: I know two people from high school for all walks

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Speaker 1: of life. Cabrel is somebody who I don't even know

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Speaker 1: how he keeps up with people. He's such a good

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Speaker 1: friend that we all just dropped our busy lives and

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Speaker 1: came to Vegas to get down.

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Speaker 2: Well, he's probably done that for y'all, right, Yeah, absolutely.

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Speaker 2: I mean I remember remember we went to go see Usher.

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Speaker 2: I remember that time my sisters and I went to

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Speaker 2: Vegas to go see Usher. Cabral was like, oh, because

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Speaker 2: his grandmother lives here at the time, and he goes

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Speaker 2: he likes a little gamble gamble that he had some

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Speaker 2: cops rooms and so he's like, oh, you don't have

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Speaker 2: to pay for a hotel, my comp rooms.

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Speaker 1: And I said, oh, So I'm thinking, like, you know,

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Speaker 1: we'll just go and say hey, Cabrel, but no, he

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Speaker 1: had to come and check us in. And I remember

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Speaker 1: he came and I was like, oh, do you want

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Speaker 1: to come to the concert with us? Where you're gonna

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Speaker 1: you know how long gonn be Here're gonna visit your grandmother.

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Speaker 1: He's like, oh, no, I'm just going home. I was like,

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Speaker 1: I don't understand. You flew from Jersey to Vegas to

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Speaker 1: check us in to go home. That's Cabra.

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Speaker 2: When he says he's one of those points people in

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Speaker 2: he I mean, but.

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Speaker 1: What he says, I'm having a birthday party. You show

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Speaker 1: up and so it's been great. You went to the sphere.

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Speaker 1: Have you heard of the spear Like it's like this

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Speaker 1: global Yeah it wasn't.

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Speaker 2: Yes, I have like YouTube performed there. Yes, sometime in

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Speaker 2: was it New Year's Eve or the Grammys or somethings,

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Speaker 2: But what is it?

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Speaker 1: So it's like, I guess it's like you could say

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Speaker 1: it's a stadium if you will, but it's literally the

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Speaker 1: shape of a spear circle and you're in it. And

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Speaker 1: so the the it's a multi media experience. The chair moves,

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Speaker 1: there's there's scent, there's wind, there is all around you.

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Speaker 1: So it's not just visually in front of you the ceiling.

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Speaker 1: Besides everything, you are immersed in the experience. And so

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Speaker 1: I'm not a big Youtwo fan. I mean I think

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Speaker 1: they're great or whatever, but maybe I can know one

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Speaker 1: song I don't know. So instead we did something called

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Speaker 1: Postcard from Earth, which is kind of like it's like

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Speaker 1: this love letter to Earth. So you go through the

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Speaker 1: African savannah like this, like I remember, like an elephant

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Speaker 1: walked over us and you could feel the ground moving

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Speaker 1: as the elephant approached you, and you see its lego

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Speaker 1: over your head and you're like, oh my.

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Speaker 2: God, it's like a four D or like five experience.

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Speaker 1: So they like took us into a church and I

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Speaker 1: was like, bro, did you get sick? Did you feel

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Speaker 1: like carsick? Some people said it, but I took a

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Speaker 1: drama beforeand because I don't play with my most sickness,

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Speaker 1: and I said, Nami, So I took a drama in

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Speaker 1: and I was like weird, Like they took us into

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Speaker 1: a church and you're like you feel like you're in it.

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Speaker 1: And I smelled incense and I was like, in my

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Speaker 1: bugget or do I smell incense? Like it'sid I do?

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Speaker 1: And so it was just like it was really amazing.

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Speaker 1: And so I mean the tickets are not to I

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Speaker 1: think they started like, you know, ninety nine dollars and

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Speaker 1: go up to like I don't even know. Yeah, So

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Speaker 1: but it was, you know, to me, it's a thing

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Speaker 1: to see. And so yeah, I mean, I'm glad to

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Speaker 1: be here. My sister Tracy's here with me, and you know,

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Speaker 1: I come back before our big lab.

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Speaker 2: Speaking of like show Girls Live, should we prepare a

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Speaker 2: little like should we do like a little choreo, like

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Speaker 2: a little.

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Speaker 1: We should we already do what be doing a snake?

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Speaker 2: Should I bring my like that belly dancing skirt that

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Speaker 2: I bought in Turkey eleven years ago and I still

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Speaker 2: haven't worn, but I carry it from house to house

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Speaker 2: town one year.

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Speaker 1: I don't really have good rhythm. I feel like you

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Speaker 1: have better for me. I'd be like, oh lord, it's fine.

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Speaker 2: We would choreo to your It would be like when

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Speaker 2: I choreographed when we had our wedding dance done for

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Speaker 2: me and Enrique. It was choreographed at his skill level,

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Speaker 2: not to his skill got rid of me, you know,

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Speaker 2: when he was okay, we were all okay, Yeah, I'm

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Speaker 2: really excited. It's sold out, we got the wait list

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Speaker 2: is also packed for the so I'm excited. We need

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Speaker 2: to squeeze. I might try to trick you into doing

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Speaker 2: one bow gain one more live event before.

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Speaker 1: It's so fun.

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Speaker 2: I mean, I'm just like people are coming. No, I'm very,

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Speaker 2: very excited for our live show. You guys will be

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Speaker 2: able to You'll be able to tune in even if

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Speaker 2: you can't make the show live. We will be posting

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Speaker 2: it as an episode at some point in the near future.

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Speaker 2: But first we have to get through it, I'm nervous

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Speaker 2: and speaking of friends who are traveling cross country for you,

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Speaker 2: my friend Chris from Popcorn Finance, he is literally coming

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Speaker 2: from California to New York because he is such a

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Speaker 2: tech nerd, and I took advantage of his like obsession

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Speaker 2: and I was like, wouldn't it be fun if you

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Speaker 2: figured out how to help us record a live episode?

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Speaker 2: And of course you know these techie guys like my

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Speaker 2: husband and him, I just knew. I was like, before

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Speaker 2: this is all done, he's going to upgrade his entire kit.

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Speaker 2: He's going to get like a new lens all and

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Speaker 2: yes he has, but Chris is, yes, so generous to

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Speaker 2: be doing that for us, And I'm just I'm so

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Speaker 2: excited to get to Squeeze and ba fam in person

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Speaker 2: and they can give me their hugs, you know, for you. Yeah,

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Speaker 2: take pictures, Come get these cool stickers that I ordered

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Speaker 2: I saw. Yes, No, It's going to be a great time.

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Speaker 2: And I think it's very apt that you're in Vegas

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Speaker 2: right now because I feel like our conversation, especially from

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Speaker 2: last week's show, the response to last week's show, I'm like,

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Speaker 2: I feel a little bit of a vulnerability hangover or

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Speaker 2: I'll talk about we viral, But if y'all have been

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Speaker 2: listening to the show, I haven't not said that it's

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Speaker 2: been a difficult time. I've been saying it without saying it.

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Speaker 2: But last week, just for some reason, I was like,

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Speaker 2: I think this is going to strike a chord. So

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Speaker 2: I I shared that clip of me talking about my

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Speaker 2: property taxes and whoa, whoa whoa on TikTok and ig,

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Speaker 2: and I don't know, I guess it's you know, it's

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Speaker 2: one of those times where you when you're vulnerable, you

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Speaker 2: talk about your finances, but you're not necessarily someone who

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Speaker 2: fits the description of someone who's you know, like I'm

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Speaker 2: never going to qualify for any sort of income assistance

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Speaker 2: or housing, you know, all that kind of thing, and

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Speaker 2: I have beautiful children in a home, and like, I'm

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Speaker 2: so privileged in many ways. Sometimes people don't give you

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Speaker 2: any kind of grace to struggle, and so I was

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Speaker 2: really like, yeah, I was really warmly surprised by the

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Speaker 2: response and also sadly just also terrified by the response,

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Speaker 2: because it is it is rampant, like the number of

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Speaker 2: homeowners especially and people who are earning two income households

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Speaker 2: who are just struggling to make and can you.

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Speaker 1: Can you recap for people who are like, what's you

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Speaker 1: talking about?

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Speaker 2: Yeah, So last week on the show, we how do

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Speaker 2: we even get off on that? So we were talking

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Speaker 2: about credit card debt? Right, there was like some kind

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Speaker 2: of statistic that came out talking about how American homeowners

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Speaker 2: are on the edge and you can tell because they're

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Speaker 2: putting groceries and other household essentials on credit cards. And

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Speaker 2: I was like, people, I'm people, I'm me.

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Speaker 1: And not.

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Speaker 2: And one of the biggest drivers of that is that

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Speaker 2: our the cost of housing even for us as you

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Speaker 2: think as a homeowner, you purchase a house and you

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Speaker 2: get it within your budget, right, you get approved for

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Speaker 2: the mortgage and all of that, but you don't think about, Okay,

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Speaker 2: what happens when the property assessment, like the value of

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Speaker 2: your home goes up in your town's eyes or whatever,

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Speaker 2: like whoever's in charge of determining your property value. And

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Speaker 2: that is directly tied to taxes and homeowners insurance, and

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Speaker 2: it has dramatically increased our cost of housing, especially in

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Speaker 2: the last couple of years. So I posted that clip

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Speaker 2: on social and there's a lot of people out there

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Speaker 2: doing like struggling in the exact same way as an accent.

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Speaker 1: And people were shocked. So one of the things that

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Speaker 1: shocked me because I'm so used to living in the

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Speaker 1: expensive behind East Coast that I wasn't shocked by because

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Speaker 1: my property taxes when I got my house in Yirk

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Speaker 1: was seventy five thousand, and I want to say, seventy

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Speaker 1: five thousand. Job I would built that.

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Speaker 2: Oh no, we're Mary J.

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Speaker 1: Blige, Chris, We're seventy five hundred, right, seven thousand, five

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Speaker 1: hundred for the year. And now I want to say,

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Speaker 1: I'm pushing eleven thousand. I bought the house five years ago.

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Speaker 1: I'm pushing like eleven thousand, maybe even eleven thousand, five hundred.

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Speaker 1: That's significant. So when you share that your property taxes

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Speaker 1: you know were because how much were they when you

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Speaker 1: first moved in? Do you remember how much it was

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Speaker 1: monthly or annual?

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Speaker 2: Life? You know, I was trying to find our very

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Speaker 2: first mortgage statement and I forgot to finish that project.

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Speaker 2: But I know our mortgage was twenty five. It was

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Speaker 2: twenty five. I have one hundred. I feel like total,

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Speaker 2: not the mortgage, but like the total house payment, which

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Speaker 2: included property taxes. So I remember the time, I think

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Speaker 2: they were around eleven or twelve thousand dollars. Now they

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Speaker 2: are certainly above that now it is I haven't figured out.

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Speaker 2: So a couple of questions that commenters had about my

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Speaker 2: property tax stories, I said, my housing costs is right.

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Speaker 2: Costs right now are up to nearly four thousand dollars

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Speaker 2: from so when I met hundred a month from twenty

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Speaker 2: five hundred. Yeah. So, and what I meant by that

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Speaker 2: was my total housing my total mortgage payment, which includes

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Speaker 2: my property tax. So a lot of us homeowners we

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Speaker 2: do pay like like I pay a monthly property tax payment,

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Speaker 2: but it goes and escrow and then my mortgage lender

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Speaker 2: holds that money and then they pay the town once

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Speaker 2: a year or whenever it is. So I'm always paying

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Speaker 2: toward that, my husband and I so, and that also

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Speaker 2: includes homeowners insurance, Okay, I know for sure, up, yes,

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Speaker 2: and it doesn't include things like my elect bill and

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Speaker 2: heating and all that jazz. But yeah, so that's about

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Speaker 2: four thousand a month, and then of that about twenty

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Speaker 2: five hundred or so is that additional cost on top

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Speaker 2: of my mortgage payment. And it's just wild because I

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Speaker 2: purchased a house that was well under five hundred thousand

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Speaker 2: dollars at the time, and yes, we did put about

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Speaker 2: one hundred thousand dollars of work into it. But the

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Speaker 2: property value has just like I said in that last week,

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Speaker 2: I think it's gone up like fifty or sixty percent,

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Speaker 2: and that is out of our control because the town

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Speaker 2: or whoever assesses the properties is like, hmm, you know,

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Speaker 2: there's such a shortage of homes right now in my area,

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Speaker 2: and with the pandemic rates were really low. People were like,

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Speaker 2: you know, moving out of the city, moving in up here,

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Speaker 2: trying to create rental properties, like take advantage of this

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Speaker 2: short housing market this week out or this really like

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Speaker 2: tight housing market. And because of that, not because we've

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Speaker 2: added anything to the hop was like the price of

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Speaker 2: our house has just gone up. So I couldn't even

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Speaker 2: afford this house now if I tried to buy it.

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Speaker 2: But I'm paying taxes on it, you know, Like why

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Speaker 2: am I paying taxes on a house that's seven hundred

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Speaker 2: thousand when I bought it for less than five hundred,

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Speaker 2: And like it's very frustrating.

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Speaker 1: It's crazy because in general, like on paper, it would

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Speaker 1: say Mandy it's wealthier because your house is worth more.

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Speaker 1: Her asset have appreciated, which means it's kind of in value.

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Speaker 1: But it's like girl Wealthi're weird.

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Speaker 2: Yeah, I mean, and do you And to take advantage

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Speaker 2: of that equity, you can take a home equity loan,

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Speaker 2: like we talked about, which we might do just to

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Speaker 2: like get get rid of some credit card debt.

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Speaker 1: But like, yeah, that is an asset. It definitely is

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Speaker 1: an asset. You know.

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Speaker 2: I could end up borrowing up to like seventy percent

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Speaker 2: of my equity if I wanted to, But like that's

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Speaker 2: another loan. And I guess you could say you could

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Speaker 2: take a home you can do a cash out REFI

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Speaker 2: we or not a cash out refy. We could do

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Speaker 2: a home equity loan and then use that money to

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Speaker 2: for as a down payment for another house. But I'm

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Speaker 2: just gonna end up in the same situation, being in

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Speaker 2: more house than I can afford. You know, it's crazy to.

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Speaker 1: Be richer, but broker at the same time, it's a

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Speaker 1: wild and I'm talking like cash poor, you know.

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Speaker 2: And I don't want people shout out to my friend Baron,

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Speaker 2: who's who's living a little some something in my Venmo.

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Speaker 1: I was like, Baron, if you don't start, and he

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Speaker 1: did you the grandmother fold into your hand, like when

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Speaker 1: you go to yourriba's house, give you a little ten.

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Speaker 2: Yes, yes, And I the way I kept it though,

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Speaker 2: and Rikae's like, maybe give that money back, like he

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Speaker 2: doesn't need it. I always joke, Baron's my cabro. He's

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Speaker 2: he's like single, living his best life. He's the only

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Speaker 2: he is the only community of America. Like the only

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Speaker 2: people of America that are thriving right now are single,

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Speaker 2: uh single, like higher hours right now, childless. He is

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Speaker 2: living the dream, you know. And he's gay, so like

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Speaker 2: you know, they just like then, I don't know, just

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Speaker 2: like they split everything. Even when he goes on, you know,

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Speaker 2: it's just better. It's just better if only I could

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Speaker 2: have been.

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Speaker 1: But you know, this was life as a gay black man.

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Speaker 1: I'm not gonna lie. It's like a couple of house

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Speaker 1: friends are fabby, let's get bro open my I mean,

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Speaker 1: oh you also see what I mean, doctor lawyer. Yesterday,

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Speaker 1: I said, is it a prerequisite? All y'all gotta be

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Speaker 1: fine and successful and money go in the gym? I

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Speaker 1: mean the way I was like, I don't even drink.

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Speaker 1: But if I did, girl wouldn't have to touch a bill.

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Speaker 2: Yes, so yeah, I'm keeping your money apparently should I'll

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Speaker 2: use it on your birthday dinner and then I still.

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Speaker 3: State firm agents are small business owners too, so they

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Speaker 3: know how to help you choose personalized policies that fit

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Speaker 3: your needs, like a good neighbor. State farm is there?

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Speaker 3: Talk to your local agent today.

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Speaker 2: I'm curious, what are your property taxes are in Middle America?

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Speaker 1: In Missouri. I was shocked at how many people were

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Speaker 1: so shocked by how much your you know, taxes cost

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Speaker 1: you monthly because I didn't. I remember distinctly because I'm nosy.

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Speaker 1: One of my friends, Rachel, Hey, Rachel, Rachel Wages. She

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Speaker 1: purchased like it was like all over black enterprise and

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Speaker 1: essence whatever. She had purchased its beautiful ranch and it

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Speaker 1: was one of the Carolinas.

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Speaker 2: Right North Carolina.

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Speaker 1: Yeah, so she purchased its beautiful ranch. And I remember

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Speaker 1: it was multiple, multiple acres. It wasn't like two or

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Speaker 1: three from what I remember, it was at least ten,

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Speaker 1: maybe twenty, I don't even know, but it was it

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Speaker 1: was land, I mean money. It was her forty acres

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Speaker 1: and a mule okay, and so I just remember because

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Speaker 1: I was nosy, I want to learn more about the property.

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Speaker 1: It looked so beautiful. And I remember vaguely like I

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Speaker 1: can't remember how the property cost, maybe in the realm

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Speaker 1: of like two million dollars something like that. And I

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Speaker 1: remember looking at the property taxes Mandy and being like, no,

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Speaker 1: month at the way they were it was well unt

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Speaker 1: to ten thousand. I remember, I was like, it was

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Speaker 1: wait a minute, under ten thousand. Yes, I couldn't. I said,

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Speaker 1: this can't be this can't be true. How does this

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Speaker 1: stuff get figured out? I don't know.

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Speaker 2: You know someone who's I need The person who commented

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Speaker 2: and said I work for a property assessment office somewhere.

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Speaker 2: I was like, I need to understand the mess, yes,

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Speaker 2: and to see some people. They asked me like, oh yeah,

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Speaker 2: that question I got. Or the advice is you should

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Speaker 2: appeal it. Well. On the show, I have talked about

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Speaker 2: how we have appealed it and been denied twice. Yes,

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Speaker 2: And I'm I would love like if y'all could explain

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Speaker 2: how the math works it is left up and also

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Speaker 2: where's it going? Because my roads have potholes all over

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Speaker 2: the place, and you know, we I'm sure it goes

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Speaker 2: into all kinds of services and all of that, but

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Speaker 2: it's really tough out here. And to the point back

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Speaker 2: to how I originally segued into this, you're in Vegas.

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Speaker 2: I thought that was very apt given the whole like

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Speaker 2: Roaring twenties element at all, because you should this report

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Speaker 2: that's come out, right, so talk about talk about that

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Speaker 2: a little bit, so and get my flopper heels ready.

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Speaker 1: So first of all, I don't I'm not really familiar

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Speaker 1: with UBS. What is UBS Camford?

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Speaker 2: So it's a huge investment bank, Okay, And these investment

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Speaker 2: banks put out you know, they put out reports sometimes monthly, quarterly, annually,

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Speaker 2: but Wall Street watches them. So they have economists who

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Speaker 2: are like trying to predict the future all the time. Yes,

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Speaker 2: sometimes these reports make headlines like this one has.

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Speaker 1: So it basically says that they believe that the US

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Speaker 1: economy is heading into what's called the Roaring twenties. So

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Speaker 1: the Roaring twenties were like this booming economic time in

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Speaker 1: the United States, and they were swiftly and quickly followed

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Speaker 1: by the Great Depression. So I don't know, they try

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Speaker 1: to say we up and we down, but basically that

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Speaker 1: it looks like we're entering into this booming economic time.

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Speaker 1: And what I told Mandy was like, I hear you,

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Speaker 1: and I've been hearing about the economy is doing so great,

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Speaker 1: but everyday people I've never had my inbox more full

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Speaker 1: with people who are literally like the first opening line,

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Speaker 1: I'm desperate, Hi, Tiffany, I'm desperate. I'm so scared and afraid.

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Speaker 1: I'm a nurse, my husband's mechanic. I'm working, but I

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Speaker 1: am not making ends meet. I think we're going to

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Speaker 1: lose our house. I don't know where we're going to stay.

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Speaker 1: And it's so I mean, I've never seen it like

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Speaker 1: this before, this, even during the pandemic, this visceral kind

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Speaker 1: of reaction. And I was like on YouTube the other

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Speaker 1: day and I was flooded with all these like a collection.

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Speaker 1: Apparently there's like loud majority of TikTokers who are making

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Speaker 1: they're calling it broken tire, this trend where they are

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Speaker 1: talking about how they are working, they're not buying excessive things,

359
00:18:39,200 --> 00:18:42,239
Speaker 1: and they are broke and they are tired, and they

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Speaker 1: are working two and three and four jobs and still

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Speaker 1: can't make ends meet. So I'm like, what, Remember we

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Speaker 1: talked about this months and months ago. Remember I was like, Mandy,

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Speaker 1: isn't me or doesn't seem to be like a disconnect

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00:18:51,320 --> 00:18:54,720
Speaker 1: between the economy saying it's so strong and the market

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00:18:54,840 --> 00:18:57,800
Speaker 1: is up and yet every day people never sounded broken.

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Speaker 2: Do you know why the economy is up and up

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00:19:00,560 --> 00:19:03,119
Speaker 2: and all that kind of shit? It's because corporations are

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00:19:03,160 --> 00:19:08,200
Speaker 2: doing great because for whatever reason you can blame. I've

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Speaker 2: read things. I think that it's easy for us to

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Speaker 2: say that companies are being greedy and raising prices because

371
00:19:12,960 --> 00:19:15,280
Speaker 2: they can all of that that was somewhat going on,

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Speaker 2: But it's actually just like a bunch of different factors.

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Speaker 2: Everything is more expensive and there are there is a

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00:19:21,720 --> 00:19:24,119
Speaker 2: lot of money to be made off the back of

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00:19:24,200 --> 00:19:27,359
Speaker 2: consumers right now. But these reports often don't consider the

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00:19:27,640 --> 00:19:30,000
Speaker 2: like the average consumer. I think they only consider they

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00:19:30,040 --> 00:19:33,080
Speaker 2: only care about what happens to American dollars in terms

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00:19:33,119 --> 00:19:34,960
Speaker 2: of like are we going to be spending and where

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00:19:35,000 --> 00:19:36,880
Speaker 2: are we going to be spending? And if we're not spending,

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00:19:37,280 --> 00:19:39,879
Speaker 2: like they love that we're relying on credit cards because

381
00:19:39,920 --> 00:19:42,879
Speaker 2: we're still spending. You know, let's not think about the

382
00:19:43,080 --> 00:19:45,280
Speaker 2: thirty percent interest rate that we're paying on that credit

383
00:19:45,359 --> 00:19:48,439
Speaker 2: card debt, or the fact that you know it's going

384
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Speaker 2: to take us years, if not never, going to be

385
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Speaker 2: able to pay that debt down because we'll have to

386
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Speaker 2: go file bankruptcy and.

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00:19:54,080 --> 00:19:54,359
Speaker 1: All of that.

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Speaker 2: Like the point is that Americans are still feeling what

389
00:19:58,200 --> 00:20:00,959
Speaker 2: like confident enough that we'll be able to pay off

390
00:20:00,960 --> 00:20:04,240
Speaker 2: our debt that we're using credit cards. And that's where

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Speaker 2: I start to get kind of pissed off because one

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Speaker 2: of the things I shared last week was that my

393
00:20:08,400 --> 00:20:10,760
Speaker 2: own family has benefited off the backs of this housing

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Speaker 2: shortage and they have gotten into this very lucrative business

395
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Speaker 2: as property managers and just like had this huge tail

396
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Speaker 2: for the last decade and are like wealthier than they've

397
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Speaker 2: ever been. And these companies that have bought up these

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Speaker 2: homes and are flipping them and renting them to people

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Speaker 2: and raising the rent like there's a lot of money

400
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Speaker 2: to be made, but like it's it's only gonna I

401
00:20:33,200 --> 00:20:38,000
Speaker 2: feel like the bows will break when the American consumer

402
00:20:38,240 --> 00:20:42,320
Speaker 2: finally stops, like we have to say no more. And

403
00:20:42,440 --> 00:20:45,760
Speaker 2: I'm worried about that because I'm also like I went

404
00:20:45,800 --> 00:20:47,800
Speaker 2: to the grocery store twice this week, each time, it

405
00:20:47,880 --> 00:20:51,520
Speaker 2: was three hundred dollars one trip to Trader Joe's. I

406
00:20:51,600 --> 00:20:53,480
Speaker 2: didn't even know you could spend three hundred dollars in

407
00:20:53,520 --> 00:20:56,320
Speaker 2: Trader Joe's. Oh my god. And then I went to

408
00:20:56,440 --> 00:20:58,800
Speaker 2: BJ's because there's some stuff you can't get. Another three

409
00:20:58,880 --> 00:21:00,960
Speaker 2: hundred dollars. Okay, fine. One of those was a fifty

410
00:21:01,000 --> 00:21:02,920
Speaker 2: dollars spider that I had to have for my front yard.

411
00:21:03,280 --> 00:21:07,000
Speaker 2: But the point is, like, this credit card spending is

412
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Speaker 2: still happening, and I wonder almost like are we are

413
00:21:12,119 --> 00:21:15,199
Speaker 2: we just just is this Roaring twenties thing?

414
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Speaker 1: Is it willful?

415
00:21:16,960 --> 00:21:20,160
Speaker 2: Is it like optimism? But is it like delusional optimism?

416
00:21:20,359 --> 00:21:20,680
Speaker 1: I don't.

417
00:21:20,800 --> 00:21:21,360
Speaker 2: I don't.

418
00:21:21,480 --> 00:21:24,639
Speaker 1: I feel the least optimistic because I'm looking like, for example,

419
00:21:24,720 --> 00:21:28,680
Speaker 1: so the Roaring twenties is I'm on Britannica. Remember the

420
00:21:29,119 --> 00:21:33,080
Speaker 1: Encyclopedias you might be to you, yeah, oh yeah, this

421
00:21:33,320 --> 00:21:36,080
Speaker 1: girl we had the book Encyclopedia. Encyclopedia used to come

422
00:21:36,119 --> 00:21:38,640
Speaker 1: to the house and you would literally they would tell

423
00:21:38,640 --> 00:21:40,760
Speaker 1: you a set child. That's what forty five looked like.

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Speaker 1: But we we based mind, We had compidence, and Britannica

425
00:21:44,560 --> 00:21:45,920
Speaker 1: was like if you was gotten a little bit of money,

426
00:21:45,960 --> 00:21:48,560
Speaker 1: with a little fancy then we had to go or something.

427
00:21:49,280 --> 00:21:51,480
Speaker 1: So apparently they're online now because don't nobody buy books.

428
00:21:52,359 --> 00:21:57,040
Speaker 1: So the Roaring twenties is a term for the nineteen twenties,

429
00:21:57,119 --> 00:21:59,640
Speaker 1: especially within the United States and other Western countries, where

430
00:21:59,640 --> 00:22:05,320
Speaker 1: the deck that was characterized by economic prosperity, rapid social

431
00:22:05,440 --> 00:22:09,520
Speaker 1: and cultural change, and the mood of exuberant optimism. The

432
00:22:09,640 --> 00:22:13,920
Speaker 1: thing is, maybe there's economic prosperity to your point, not

433
00:22:14,000 --> 00:22:16,560
Speaker 1: for the average person but for the for these corporations,

434
00:22:16,840 --> 00:22:19,359
Speaker 1: but there is not a mood of exuberant optimism. That

435
00:22:19,520 --> 00:22:23,960
Speaker 1: part is largely gone. And it's like so the question

436
00:22:24,080 --> 00:22:27,240
Speaker 1: I also asked this like this is also from Britannical, like, so,

437
00:22:27,480 --> 00:22:29,480
Speaker 1: how did the Roaring twenties kind of like lead to

438
00:22:29,520 --> 00:22:32,639
Speaker 1: the Great Depression? And so one of the things is

439
00:22:32,680 --> 00:22:35,760
Speaker 1: that there was the stock market crash, of that huge

440
00:22:35,800 --> 00:22:37,719
Speaker 1: stock market crash where you hear about people jumping from

441
00:22:37,760 --> 00:22:42,119
Speaker 1: the windows killing themselves in nineteen twenty nine. So that

442
00:22:42,240 --> 00:22:46,240
Speaker 1: was like literally the Roaring twenties was one decade and

443
00:22:47,480 --> 00:22:51,440
Speaker 1: that I guess what worries me is that were one where.

444
00:22:51,240 --> 00:22:52,720
Speaker 3: The triggered that crash?

445
00:22:52,880 --> 00:22:55,720
Speaker 2: Was it the fact that American consumers couldn't afford anything anymore.

446
00:22:56,880 --> 00:23:01,520
Speaker 1: Let me see it said. Uh So, from nineteen twenty

447
00:23:01,640 --> 00:23:04,280
Speaker 1: nine to nineteen thirty nine, the United States experienced one

448
00:23:04,280 --> 00:23:07,320
Speaker 1: of the harshest economic downturns in the history of the country,

449
00:23:07,760 --> 00:23:10,760
Speaker 1: initiated by the stock market craft, a decade that was

450
00:23:10,840 --> 00:23:15,680
Speaker 1: marked by high unemployment rates, bank failures. Workers lost jobs

451
00:23:15,720 --> 00:23:20,560
Speaker 1: along with their homes and possessions. It was honestly, the

452
00:23:20,680 --> 00:23:26,160
Speaker 1: value of currency declined, the agricultural market declined. I don't

453
00:23:26,960 --> 00:23:30,159
Speaker 1: I'm not really sure. And I remember so this is

454
00:23:30,200 --> 00:23:33,320
Speaker 1: when Franklin the down Nor Roosevelt was president, and if

455
00:23:33,320 --> 00:23:35,520
Speaker 1: you ever ever heard of the New Deal, it was

456
00:23:35,560 --> 00:23:38,359
Speaker 1: this legislation, this large use piece of legislation that he

457
00:23:39,160 --> 00:23:41,720
Speaker 1: passed to promote recovery and relief. So I'm like, what

458
00:23:42,119 --> 00:23:44,080
Speaker 1: was the stock market that.

459
00:23:44,160 --> 00:23:46,400
Speaker 2: Was the beginning of like social security and welfare?

460
00:23:46,520 --> 00:23:46,600
Speaker 1: Right?

461
00:23:47,280 --> 00:23:50,480
Speaker 2: Yeah, So there was also like this stock market, like

462
00:23:50,520 --> 00:23:53,840
Speaker 2: a lot of people doing like risky stock trades, okay,

463
00:23:54,160 --> 00:23:56,680
Speaker 2: buying stocks on margin, not being able to afford it,

464
00:23:57,960 --> 00:23:59,840
Speaker 2: not being able to afford but they had purchased and

465
00:24:00,200 --> 00:24:01,080
Speaker 2: having so much debt.

466
00:24:02,119 --> 00:24:04,000
Speaker 1: I'm interested, I was spending a lot. It looks like

467
00:24:04,080 --> 00:24:06,800
Speaker 1: consumer spending in the twenties had reached an all time

468
00:24:07,040 --> 00:24:10,960
Speaker 1: high in the United States. American companies were mass producing

469
00:24:11,080 --> 00:24:15,600
Speaker 1: goods and consumers were buying technology. Like so it was

470
00:24:15,720 --> 00:24:18,760
Speaker 1: like this and we've seen this, like I think the pandemic.

471
00:24:18,800 --> 00:24:20,560
Speaker 1: You know, everybody had all this money because we were

472
00:24:20,920 --> 00:24:23,840
Speaker 1: flushed with money people like literally the government gave us money.

473
00:24:23,880 --> 00:24:25,400
Speaker 1: And then we didn't have to spend as much because

474
00:24:25,400 --> 00:24:27,760
Speaker 1: we're not driving, you not have to get your hair done.

475
00:24:28,280 --> 00:24:30,520
Speaker 1: And so people were and I don't know if you saw,

476
00:24:30,640 --> 00:24:32,879
Speaker 1: there was this big, huge time of like everybody was

477
00:24:32,920 --> 00:24:36,280
Speaker 1: doing these halls, like you know, all the influencer Like

478
00:24:36,480 --> 00:24:38,080
Speaker 1: I don't see it merely as much like look at

479
00:24:38,080 --> 00:24:41,920
Speaker 1: all the stuff I've bought. Honestly, the luxury markets skyrocketed.

480
00:24:42,560 --> 00:24:44,360
Speaker 1: You know. I'm like obsessed with watching like people buy

481
00:24:44,440 --> 00:24:46,119
Speaker 1: or mis bag for like thirty thousand dollars and be

482
00:24:46,280 --> 00:24:48,440
Speaker 1: like I did not know that. Yeah, I had this

483
00:24:48,520 --> 00:24:51,879
Speaker 1: weird obsession on YouTube. My sister's like why, I like,

484
00:24:51,960 --> 00:24:54,280
Speaker 1: you can watch them buy them? No, No, I like

485
00:24:54,400 --> 00:24:59,320
Speaker 1: to watch I guess, like these many documentaries on luxury.

486
00:25:00,000 --> 00:25:01,639
Speaker 1: So because I'm trying to wrap my mind around what

487
00:25:01,880 --> 00:25:04,600
Speaker 1: gets someone to buy a bag for ten twenty thirty

488
00:25:04,680 --> 00:25:07,760
Speaker 1: forty one hundred thousand dollars, and there was this huge

489
00:25:07,880 --> 00:25:11,159
Speaker 1: uptick of regular average people. I'm talking about nurses, not

490
00:25:11,800 --> 00:25:14,159
Speaker 1: the woman who's making a million dollars a year, you know,

491
00:25:14,400 --> 00:25:16,919
Speaker 1: buying her mess bag, but like a nurse, a teacher

492
00:25:17,400 --> 00:25:19,920
Speaker 1: with a ten twenty thirty thousand dollars bag. And so

493
00:25:19,960 --> 00:25:22,040
Speaker 1: I just like to watch these many documentaries. I'm like,

494
00:25:22,119 --> 00:25:24,680
Speaker 1: what was that mental shift? And people were flushed with

495
00:25:24,760 --> 00:25:27,840
Speaker 1: money during the pandemic, they had the excess, and then

496
00:25:27,920 --> 00:25:30,680
Speaker 1: we're online and then you're seeing all the influence showing

497
00:25:30,720 --> 00:25:33,359
Speaker 1: off their luxury goods, and even the luxury market is

498
00:25:33,480 --> 00:25:35,920
Speaker 1: is really in a steep decline because people don't have it.

499
00:25:36,760 --> 00:25:41,000
Speaker 1: So there was this over consumption post pandemic that we're

500
00:25:41,040 --> 00:25:43,040
Speaker 1: seeing a steep decline. Remember the girls were quitting and

501
00:25:43,040 --> 00:25:44,640
Speaker 1: they could we couldn't figure out where they were working.

502
00:25:45,640 --> 00:25:45,800
Speaker 2: You know.

503
00:25:46,000 --> 00:25:47,840
Speaker 1: It was like, remember there was like that quid economy

504
00:25:47,880 --> 00:25:50,040
Speaker 1: at one point wherever we were sitting there, Yeah, but

505
00:25:50,119 --> 00:25:51,360
Speaker 1: it was like, but where are they're going to work?

506
00:25:51,440 --> 00:25:53,879
Speaker 1: Because don't they have to work? And now everyone's kind

507
00:25:53,920 --> 00:25:54,280
Speaker 1: of back like.

508
00:25:54,280 --> 00:25:56,800
Speaker 2: Hey, hey, well you had the stimulus truck. You had,

509
00:25:56,840 --> 00:26:00,159
Speaker 2: the stimulus trucks, you had, you there was just there

510
00:26:00,280 --> 00:26:03,760
Speaker 2: was this. I think, well, yeah, for sure, I'm sure

511
00:26:03,760 --> 00:26:08,280
Speaker 2: that the data will show that like the little cash reserves,

512
00:26:08,480 --> 00:26:10,920
Speaker 2: the cash reserves we were able to build up during

513
00:26:10,960 --> 00:26:15,320
Speaker 2: the pandemic years have dwindled and gone. And I'm at

514
00:26:15,359 --> 00:26:17,000
Speaker 2: the point where I'm like, Okay, I don't want to

515
00:26:17,040 --> 00:26:21,040
Speaker 2: be tamped into my investments. Cash money is what we need, honey.

516
00:26:22,640 --> 00:26:24,439
Speaker 2: But this whole Roaring twenties, I just find it very

517
00:26:24,560 --> 00:26:28,359
Speaker 2: chilling because I mean, from what I'm reading, like deflation

518
00:26:28,560 --> 00:26:30,680
Speaker 2: was another cause of that, which is when prices go down,

519
00:26:30,800 --> 00:26:33,480
Speaker 2: which is like, aren't we trying to actively create deflation

520
00:26:33,680 --> 00:26:38,680
Speaker 2: right now by the Fed lowering rates? I saw, you

521
00:26:38,760 --> 00:26:40,960
Speaker 2: know one thing that we need to talk about really quick,

522
00:26:41,160 --> 00:26:44,040
Speaker 2: which is my biggest pet peeve. In addition to property

523
00:26:44,160 --> 00:26:48,240
Speaker 2: tax inflation, shrink flation. I know we've talked about it

524
00:26:48,320 --> 00:26:51,439
Speaker 2: before because when I two, you or shrink flanc stion.

525
00:26:51,960 --> 00:26:54,640
Speaker 2: So shrink flation is I literally a trader Joe's Remember

526
00:26:54,680 --> 00:26:56,200
Speaker 2: I told you about my three hundred dollars bill. I

527
00:26:56,320 --> 00:26:59,320
Speaker 2: was just gobsmacked. I bought these like little apple sauce

528
00:26:59,359 --> 00:27:02,320
Speaker 2: pouches for the and there used to be I swear

529
00:27:02,359 --> 00:27:04,440
Speaker 2: to god, they were five in a box before for

530
00:27:04,600 --> 00:27:07,159
Speaker 2: like three bucks. Now there's four, and I'm like, this

531
00:27:07,400 --> 00:27:11,119
Speaker 2: is way more expense. I mean that makes a big difference. Yes, Actually,

532
00:27:11,119 --> 00:27:12,840
Speaker 2: at the rate these kids are eating apple sauce, I'm like,

533
00:27:12,880 --> 00:27:15,680
Speaker 2: I need to fucking plant an apple tree. And like

534
00:27:15,840 --> 00:27:19,080
Speaker 2: certain matching this up myself. But like the you know,

535
00:27:19,320 --> 00:27:22,520
Speaker 2: everything is smaller and smaller packaging, but the price is

536
00:27:22,520 --> 00:27:24,720
Speaker 2: gone up. And this is not a new phenomenon. But

537
00:27:25,000 --> 00:27:27,520
Speaker 2: something that I saw is that Senator A Lizzie Warren,

538
00:27:27,600 --> 00:27:31,720
Speaker 2: who we love, the godmother of the Consumer Financial Protection Bureau.

539
00:27:33,200 --> 00:27:37,240
Speaker 2: I would say conservatives like biggest enemy, maybe after AOC

540
00:27:37,600 --> 00:27:41,639
Speaker 2: and the other queens, but Elizabeth Warren, uh, she is

541
00:27:41,760 --> 00:27:46,200
Speaker 2: right now creating legislation that is gonna hopefully stop the

542
00:27:46,280 --> 00:27:50,280
Speaker 2: biggest food and beverage companies from engaging in shrink flation.

543
00:27:52,000 --> 00:27:54,840
Speaker 2: So they have accused General Mills, Coca Cola, Pepsi Coo

544
00:27:55,160 --> 00:28:00,320
Speaker 2: of profiteering through shrinkflation and by dodging taxes. So General

545
00:28:00,400 --> 00:28:02,920
Speaker 2: Mills and didn't get their ship because they were reducing

546
00:28:02,960 --> 00:28:07,280
Speaker 2: the size of cereal boxes, you know, but still charging

547
00:28:07,359 --> 00:28:10,200
Speaker 2: the same price, and co has do on the same thing,

548
00:28:10,520 --> 00:28:10,960
Speaker 2: all of them.

549
00:28:11,400 --> 00:28:14,200
Speaker 1: You opened up a bag of chips. I remember when

550
00:28:14,200 --> 00:28:16,639
Speaker 1: I did the when I went to the State of

551
00:28:16,720 --> 00:28:20,359
Speaker 1: the Union. That was something that the President Biden mentioned

552
00:28:20,359 --> 00:28:22,760
Speaker 1: about strengthfulation. Because you opened up a bag of chips,

553
00:28:22,760 --> 00:28:26,560
Speaker 1: you're like, I don't remember being I remember being ten chips.

554
00:28:26,600 --> 00:28:29,879
Speaker 1: Now it's five. But also a lot of these corporations

555
00:28:30,040 --> 00:28:33,320
Speaker 1: there's a level of corporate greed that is unimaginable. So

556
00:28:33,600 --> 00:28:37,320
Speaker 1: I just saw, uh, there was a financial infos for that.

557
00:28:37,359 --> 00:28:39,520
Speaker 1: I really like. I forget her name, but she shared

558
00:28:39,600 --> 00:28:42,840
Speaker 1: how there's now a class action suit that you can

559
00:28:43,720 --> 00:28:45,800
Speaker 1: like apply to get money for if in the last

560
00:28:45,880 --> 00:28:50,120
Speaker 1: seventeen years you have been charged atm fees by like

561
00:28:50,560 --> 00:28:52,120
Speaker 1: let's just say, you know, you banked with I don't

562
00:28:52,120 --> 00:28:54,080
Speaker 1: know Wells Fargo and you went to Bank of America

563
00:28:54,160 --> 00:28:56,080
Speaker 1: or whatever because there was not one nearby, and you

564
00:28:56,200 --> 00:28:58,000
Speaker 1: got you know, you got charged the fees, but you

565
00:28:58,040 --> 00:29:00,840
Speaker 1: know you get double feed. Basically America says, we don't

566
00:29:00,840 --> 00:29:02,840
Speaker 1: know your girl, here's your three dollar fee, and then

567
00:29:02,880 --> 00:29:04,800
Speaker 1: Wells Fargo said, you went to somebody else, here's your

568
00:29:04,840 --> 00:29:09,240
Speaker 1: other fee. And basically they they found that banks were

569
00:29:09,280 --> 00:29:12,560
Speaker 1: colluding to keep those fees high, which is it breaks

570
00:29:12,600 --> 00:29:14,920
Speaker 1: those antitrust laws that you're not allowed to do that.

571
00:29:15,160 --> 00:29:17,800
Speaker 1: And so as a result, you know, they basically saying

572
00:29:17,840 --> 00:29:20,520
Speaker 1: they owe you these fees back and you can, you know,

573
00:29:20,640 --> 00:29:22,760
Speaker 1: join this class action to do your googles to find

574
00:29:22,800 --> 00:29:25,920
Speaker 1: out like where to apply. But I thought the level

575
00:29:25,960 --> 00:29:31,240
Speaker 1: of corporate greed it's just unmatched. And what's happening, which

576
00:29:31,280 --> 00:29:34,800
Speaker 1: I'm like, I'm guessing, I wonder, is the collapse of civilization?

577
00:29:34,960 --> 00:29:35,560
Speaker 2: Is that your aim?

578
00:29:36,040 --> 00:29:38,520
Speaker 1: Because so what happened, I don't think.

579
00:29:38,440 --> 00:29:42,680
Speaker 2: That far ahead to quarter? That's that's what they care about,

580
00:29:44,360 --> 00:29:47,000
Speaker 2: from what can we do to maximize profits in this

581
00:29:47,160 --> 00:29:49,080
Speaker 2: quarter so that Wall Street will still love us, our

582
00:29:49,120 --> 00:29:51,840
Speaker 2: stock price will stay high, and our CEOs can get

583
00:29:51,920 --> 00:29:53,280
Speaker 2: multimillion dollar windfalls.

584
00:29:53,640 --> 00:29:56,120
Speaker 1: And then some people are literally out on the street

585
00:29:56,240 --> 00:30:00,360
Speaker 1: like that is that we have seen civilizations collapse again

586
00:30:00,480 --> 00:30:03,800
Speaker 1: and again and again, because it's like you don't, I mean,

587
00:30:03,920 --> 00:30:09,040
Speaker 1: I understand the making of money, but unfettered greed is

588
00:30:09,200 --> 00:30:12,200
Speaker 1: pushing everyday people to the very edge and there would

589
00:30:12,200 --> 00:30:15,400
Speaker 1: be nobody left to buy your bullshit? Then what then?

590
00:30:15,480 --> 00:30:18,920
Speaker 1: What it's just really it's a scary time that we're

591
00:30:18,960 --> 00:30:22,000
Speaker 1: living in. Because I am hearing the chorus in a

592
00:30:22,040 --> 00:30:24,560
Speaker 1: way that I've not heard before. I was just like,

593
00:30:25,280 --> 00:30:27,320
Speaker 1: it started with my friends, you know, just regular every

594
00:30:27,360 --> 00:30:29,320
Speaker 1: day friends who have good jobs, like just saying things

595
00:30:29,400 --> 00:30:30,800
Speaker 1: like oh girl, that's a little tough, and you're like, oh,

596
00:30:31,240 --> 00:30:33,400
Speaker 1: she never said that before. Then a friend who never

597
00:30:33,440 --> 00:30:35,320
Speaker 1: asked me to borrow money and I've known since middle

598
00:30:35,320 --> 00:30:38,960
Speaker 1: school not a quarter at lunchtime asked for like rent money,

599
00:30:39,000 --> 00:30:41,800
Speaker 1: and I was like, that's odd. She doesn't like you know.

600
00:30:41,880 --> 00:30:43,440
Speaker 1: Of course I gave it to her because this is

601
00:30:43,520 --> 00:30:46,440
Speaker 1: not someone She's not financially responsible, and I thought, huh,

602
00:30:46,720 --> 00:30:49,360
Speaker 1: that's odd. And then you share and I'm like, hm, hm,

603
00:30:50,120 --> 00:30:52,240
Speaker 1: that's odd. And then all of a sudden, my inbox

604
00:30:52,360 --> 00:30:57,120
Speaker 1: every day, I'm like, there's there is mark my words.

605
00:30:57,200 --> 00:30:59,160
Speaker 1: We are and less and I mean they're not gonna

606
00:30:59,160 --> 00:31:01,440
Speaker 1: shift it, but we are reading toward a very dangerous

607
00:31:01,520 --> 00:31:06,000
Speaker 1: path of yes, that there is more money now than ever.

608
00:31:06,200 --> 00:31:08,160
Speaker 1: And on paper, it might look like you have more

609
00:31:08,200 --> 00:31:11,440
Speaker 1: money because maybe the things you own are worth more,

610
00:31:11,520 --> 00:31:12,960
Speaker 1: but they're all still costing you more.

611
00:31:13,440 --> 00:31:15,960
Speaker 2: We're going to do a brand ambition survey forget the

612
00:31:16,040 --> 00:31:18,880
Speaker 2: investment banks. I want to know what BA fam is

613
00:31:19,000 --> 00:31:21,640
Speaker 2: going through and the comments on IG I just it

614
00:31:21,800 --> 00:31:24,680
Speaker 2: just won't do. So when this episode airs, there's going

615
00:31:24,760 --> 00:31:26,800
Speaker 2: to be a survey up at Brandambisson podcast dot com.

616
00:31:27,360 --> 00:31:29,520
Speaker 2: It'll be like three to five questions, and we want

617
00:31:29,560 --> 00:31:32,440
Speaker 2: to know what's happening because I don't think that I

618
00:31:32,480 --> 00:31:34,760
Speaker 2: don't think for a second that Wall Street really cares

619
00:31:34,800 --> 00:31:37,800
Speaker 2: what's happening for people of color in general, even though

620
00:31:37,840 --> 00:31:40,480
Speaker 2: we make such a huge component of the you know,

621
00:31:40,920 --> 00:31:44,960
Speaker 2: of the economy, and we contribute so much spending to

622
00:31:45,000 --> 00:31:47,000
Speaker 2: all these different industries. But like, I want to know

623
00:31:47,040 --> 00:31:48,920
Speaker 2: what BA fam is going through and what you guys want.

624
00:31:49,920 --> 00:31:51,960
Speaker 2: I'm really excited to have later this month, we're going

625
00:31:52,040 --> 00:31:54,040
Speaker 2: to have on two incredible guests. So one of them

626
00:31:54,120 --> 00:31:59,040
Speaker 2: is Dasha Broke, Black Girl, Dasha Kennedy, and she's working

627
00:31:59,120 --> 00:32:02,480
Speaker 2: with what is a Debt dot org on exactly this issue.

628
00:32:02,600 --> 00:32:03,480
Speaker 1: So I feel like I.

629
00:32:03,520 --> 00:32:05,880
Speaker 2: Can't wait to ask. I'm like, what advice do y'all have?

630
00:32:06,440 --> 00:32:09,160
Speaker 2: Like what instead of like, I think the best things

631
00:32:09,160 --> 00:32:10,880
Speaker 2: that we need right now are just like, how can

632
00:32:10,920 --> 00:32:16,560
Speaker 2: we help people, you know, like get through their debt sooner?

633
00:32:16,680 --> 00:32:20,120
Speaker 2: Rather than later, and like tackle it. I'm not just

634
00:32:20,440 --> 00:32:22,560
Speaker 2: I'm not saying I want to be y'all's guinea pig

635
00:32:22,640 --> 00:32:24,800
Speaker 2: quite yet. I don't know about all of that, but

636
00:32:25,360 --> 00:32:28,000
Speaker 2: I do feel like some more transparency, Like let's start

637
00:32:28,040 --> 00:32:30,040
Speaker 2: saying it out loud, Like we are in a lot

638
00:32:30,120 --> 00:32:33,960
Speaker 2: of debt. It is very stressful. We are also, you know,

639
00:32:34,080 --> 00:32:37,320
Speaker 2: trying to create families, businesses, have a you know, still

640
00:32:37,360 --> 00:32:40,640
Speaker 2: be good citizens and like vote and be good daughters

641
00:32:40,720 --> 00:32:44,120
Speaker 2: and husbands and wives and sisters and friends and neighbors.

642
00:32:44,160 --> 00:32:46,160
Speaker 2: And it's like, oh my god, tell me why I

643
00:32:46,240 --> 00:32:47,920
Speaker 2: became the class parent of my son's class.

644
00:32:48,240 --> 00:32:54,840
Speaker 1: I'm thinking so much. I just sound like, is this

645
00:32:54,920 --> 00:33:00,680
Speaker 1: the struggle? I don't even have like these all five babies? Yeah,

646
00:33:01,280 --> 00:33:03,400
Speaker 1: I just got one one grown baby.

647
00:33:03,560 --> 00:33:06,280
Speaker 2: Okay, so I'm checking now. So we have we have

648
00:33:06,440 --> 00:33:10,600
Speaker 2: Dasha's schedule to come on on November fourth, which is

649
00:33:10,680 --> 00:33:14,520
Speaker 2: election week. Okay, so election week, come to the podcast

650
00:33:14,600 --> 00:33:17,440
Speaker 2: that Wednesday. We're gonna air that episode with Dasha on

651
00:33:17,880 --> 00:33:19,840
Speaker 2: like what is happening in the United States of debt

652
00:33:20,000 --> 00:33:22,280
Speaker 2: and how we can start getting out of it before

653
00:33:23,000 --> 00:33:25,680
Speaker 2: before like the ship hits a fan like you said,

654
00:33:26,320 --> 00:33:30,800
Speaker 2: kareening toward whatever great expression you use. That was very colorful.

655
00:33:31,320 --> 00:33:34,120
Speaker 2: We're kreening somewhere. Kareening is never good. I've never heard

656
00:33:34,160 --> 00:33:35,959
Speaker 2: the word kreening used in a positive light.

657
00:33:36,120 --> 00:33:39,040
Speaker 1: No, we're not. I can feel there's an underswell of

658
00:33:39,920 --> 00:33:42,320
Speaker 1: we are not. The number one thing that I saw,

659
00:33:42,640 --> 00:33:44,960
Speaker 1: like under the you know, our viral post of Mandy's

660
00:33:45,040 --> 00:33:47,520
Speaker 1: being so vulnerable, is that people were saying, we are

661
00:33:47,600 --> 00:33:49,640
Speaker 1: not okay, and maybe that's the name of the podcast.

662
00:33:49,720 --> 00:33:50,400
Speaker 1: We are not okay.

663
00:33:51,240 --> 00:33:54,600
Speaker 2: Yeah, and let's stop pretending like we are, because pretending

664
00:33:54,680 --> 00:33:56,120
Speaker 2: like I mean, it's just a classic thing. If we

665
00:33:56,160 --> 00:33:57,840
Speaker 2: put our head in the sand and we ignore what's

666
00:33:57,880 --> 00:34:01,880
Speaker 2: happening to get by, like in a way, we're just

667
00:34:01,960 --> 00:34:05,800
Speaker 2: burying ourselves even deeper. And there's no way we're going

668
00:34:05,880 --> 00:34:08,120
Speaker 2: to get out of this pickle unless we start talking

669
00:34:08,160 --> 00:34:11,440
Speaker 2: about it. So stay tuned. I might be sharing my

670
00:34:11,680 --> 00:34:15,399
Speaker 2: home equity loan line of credit journey because I think

671
00:34:15,440 --> 00:34:17,640
Speaker 2: we've reached that point. I think we're pretty okay with

672
00:34:17,719 --> 00:34:21,520
Speaker 2: this home equity lineup credit. I'm nervous about it, but

673
00:34:21,640 --> 00:34:25,040
Speaker 2: also I'm happy to have the option and I will

674
00:34:25,080 --> 00:34:28,640
Speaker 2: be Yeah, we'll see, I'll see if husband's down for me.

675
00:34:28,760 --> 00:34:32,600
Speaker 1: Just listen. If you wanted to stop me, maybe he.

676
00:34:32,640 --> 00:34:37,040
Speaker 2: Should listen to the Shaws. But well he'd just if

677
00:34:37,080 --> 00:34:39,080
Speaker 2: y'all don't tell him what I'm talking about, maybe he

678
00:34:39,160 --> 00:34:41,839
Speaker 2: won't and it'll be fine, and I'll share my cash

679
00:34:41,840 --> 00:34:42,520
Speaker 2: app just in case.

680
00:34:42,560 --> 00:34:42,839
Speaker 3: You guys.

681
00:34:44,280 --> 00:34:45,920
Speaker 1: You know, I never will do that. I will never

682
00:34:46,040 --> 00:34:50,400
Speaker 1: do that. Okay, should we take a break, Yes, we

683
00:34:50,440 --> 00:34:53,319
Speaker 1: should take a break. I pay some damn bill suit

684
00:34:56,640 --> 00:35:04,440
Speaker 1: a minute, and now it's time to boost and break

685
00:35:04,480 --> 00:35:07,840
Speaker 1: and boost up and break, boost up? Break? Is you

686
00:35:07,920 --> 00:35:08,080
Speaker 1: go on?

687
00:35:08,200 --> 00:35:08,520
Speaker 2: Boost?

688
00:35:09,960 --> 00:35:14,560
Speaker 1: Is you going break? What you're gonna do, what you're

689
00:35:14,560 --> 00:35:20,200
Speaker 1: gonna say? La, I'm gonna actually break. So I don't

690
00:35:20,200 --> 00:35:22,080
Speaker 1: know if you have something cute, So if you want

691
00:35:22,120 --> 00:35:24,919
Speaker 1: to get last, you're gonna boost, so maybe you should

692
00:35:24,920 --> 00:35:26,160
Speaker 1: go last. Like sometimes I don't like to end on

693
00:35:26,200 --> 00:35:28,000
Speaker 1: a break because I'm like, look, sorry saying you out

694
00:35:28,000 --> 00:35:32,200
Speaker 1: into the world with darkness by so whatever, I'm going

695
00:35:32,200 --> 00:35:35,759
Speaker 1: to the slots. BI, No, I don't even place.

696
00:35:35,760 --> 00:35:36,040
Speaker 2: You know me?

697
00:35:36,120 --> 00:35:37,680
Speaker 1: If anybody knows me, you know, I'm not giving not

698
00:35:37,760 --> 00:35:42,000
Speaker 1: one red set to these people downstairs. So I am

699
00:35:42,160 --> 00:35:45,759
Speaker 1: going to do a brown break, which I haven't done

700
00:35:45,760 --> 00:35:49,160
Speaker 1: in a while. So yesterday I told myself, you know whatself,

701
00:35:49,360 --> 00:35:51,200
Speaker 1: you haven't taken like a deep walk in a while,

702
00:35:51,200 --> 00:35:52,880
Speaker 1: go ahead and take a walk. And so we're right

703
00:35:52,920 --> 00:35:55,640
Speaker 1: on the strip. I'm staying at I'll be gone by

704
00:35:55,680 --> 00:35:57,640
Speaker 1: the time. You know, guys, I'm saying, like La Fountain Blue,

705
00:35:57,680 --> 00:36:01,480
Speaker 1: it's a new it's only one year old hotel. Yeah,

706
00:36:01,600 --> 00:36:02,920
Speaker 1: so I don't know, I've.

707
00:36:02,760 --> 00:36:05,560
Speaker 2: Heard Yeah, maybe that location is new.

708
00:36:05,920 --> 00:36:08,000
Speaker 1: Yeah. I feel like it's in Miami too. I feel

709
00:36:08,040 --> 00:36:10,560
Speaker 1: like I've heard about it on my knee. And so

710
00:36:10,680 --> 00:36:12,560
Speaker 1: I said, I'm gonna take a walk on the Strip

711
00:36:12,800 --> 00:36:16,440
Speaker 1: and I turned right instead of left. Left is like

712
00:36:16,520 --> 00:36:18,160
Speaker 1: the you know, like the part of the strip that

713
00:36:18,160 --> 00:36:21,000
Speaker 1: I guess you would know and like Las Vegas is

714
00:36:21,080 --> 00:36:26,080
Speaker 1: known for its homeless and unhoused population. And it took

715
00:36:26,120 --> 00:36:27,840
Speaker 1: me a minute for my new works Bidy sentence to

716
00:36:27,880 --> 00:36:30,279
Speaker 1: pick up. I was like, Molly, you and danger girl.

717
00:36:31,440 --> 00:36:34,759
Speaker 1: So I'm walking with my headphones and then I had

718
00:36:34,800 --> 00:36:37,239
Speaker 1: to tack down the headphone and then I you know,

719
00:36:37,400 --> 00:36:40,480
Speaker 1: so before I left the house, I'm pretty I would

720
00:36:40,520 --> 00:36:42,320
Speaker 1: have to say I have pretty strong intuition. Before I

721
00:36:42,440 --> 00:36:47,080
Speaker 1: left the the the hotel, some things said bring cash

722
00:36:47,200 --> 00:36:49,480
Speaker 1: with you. And I was like why, and it was like,

723
00:36:49,600 --> 00:36:51,719
Speaker 1: just bring cash, and I said okay. So I brought

724
00:36:51,760 --> 00:36:54,239
Speaker 1: my room key, I put cash in one pocket, zipped

725
00:36:54,239 --> 00:36:55,719
Speaker 1: it up because I have like these sorts of haad

726
00:36:55,760 --> 00:36:58,480
Speaker 1: zips on them are zippers. And so I went for

727
00:36:58,560 --> 00:37:00,560
Speaker 1: a walk and I started walking, walk and walking, and

728
00:37:00,640 --> 00:37:03,600
Speaker 1: then like my spoty sensus, you know, be like, I

729
00:37:03,600 --> 00:37:05,400
Speaker 1: don't know, half a mile a mile in I was like,

730
00:37:05,600 --> 00:37:07,600
Speaker 1: I feel like you should turn back. And I knew

731
00:37:07,640 --> 00:37:09,600
Speaker 1: I should because there was a black woman rumen behind me,

732
00:37:09,640 --> 00:37:11,319
Speaker 1: but I didn't hear her. And when she got close,

733
00:37:11,360 --> 00:37:12,959
Speaker 1: I jumped and she's a girl. It's gonna be okay.

734
00:37:13,080 --> 00:37:15,719
Speaker 1: You might want to spin it around. And I was

735
00:37:15,760 --> 00:37:18,640
Speaker 1: like thanks this and so I okay, yes, And I

736
00:37:18,719 --> 00:37:21,359
Speaker 1: saw a number of you know, unhoused folks that also

737
00:37:21,440 --> 00:37:24,960
Speaker 1: didn't look well. They looked like mentally unwell as well.

738
00:37:25,120 --> 00:37:27,200
Speaker 1: Oh she was telling you like, this is not where

739
00:37:27,320 --> 00:37:29,520
Speaker 1: you want to be going back it up and so

740
00:37:30,040 --> 00:37:35,320
Speaker 1: I just said okay, and I just you know, like,

741
00:37:35,400 --> 00:37:37,480
Speaker 1: so I took my headphones off altogether. Not I mean not.

742
00:37:37,760 --> 00:37:39,480
Speaker 1: I live in New York, so unhoused people it's not

743
00:37:39,640 --> 00:37:41,880
Speaker 1: new but I don't know. For some reason, it just

744
00:37:42,000 --> 00:37:44,440
Speaker 1: really struck me. There was an older woman in particular,

745
00:37:44,960 --> 00:37:47,640
Speaker 1: she looked maybe sixties, early seventies, and she was tacking

746
00:37:47,680 --> 00:37:50,160
Speaker 1: through the trash in a way that broke my heart

747
00:37:50,600 --> 00:37:53,320
Speaker 1: because she was taking like leftover drinks and making a

748
00:37:53,400 --> 00:37:59,959
Speaker 1: combined drink. And I just thought to myself, what it seem?

749
00:38:00,440 --> 00:38:04,319
Speaker 1: So literally I brought tears to my eyes because I thought,

750
00:38:04,680 --> 00:38:08,040
Speaker 1: this woman is drinking god knows what, you know, like

751
00:38:08,760 --> 00:38:10,160
Speaker 1: and she was digging through the trees, and I didn't

752
00:38:10,200 --> 00:38:12,160
Speaker 1: want to like scare her, so I just, you know,

753
00:38:12,239 --> 00:38:14,520
Speaker 1: I walked up to her gingerly, and I realized why

754
00:38:14,680 --> 00:38:17,440
Speaker 1: the intuition said bring money, and I said excuse me,

755
00:38:17,520 --> 00:38:18,959
Speaker 1: and she kind of jumped and I said, I'm so sorry,

756
00:38:19,000 --> 00:38:20,759
Speaker 1: but can I give you something? And she said sure.

757
00:38:21,440 --> 00:38:23,839
Speaker 1: And so it was like, I have a fifty dollar

758
00:38:23,880 --> 00:38:25,000
Speaker 1: bill with me and I gave a tour. She didn't

759
00:38:25,000 --> 00:38:26,279
Speaker 1: really look at it at first, and she just said

760
00:38:26,320 --> 00:38:28,200
Speaker 1: thank you, kind of not looking at me in the eye.

761
00:38:28,200 --> 00:38:29,759
Speaker 1: And I think as I started to walk away, I

762
00:38:29,800 --> 00:38:31,200
Speaker 1: think I guess she looked down and she said, oh

763
00:38:31,200 --> 00:38:32,440
Speaker 1: my goodness, and she kind of came up to me

764
00:38:32,480 --> 00:38:34,839
Speaker 1: and said thank you so much, thank you so much,

765
00:38:34,920 --> 00:38:38,120
Speaker 1: And I said, no problem, girl, because everyone knows I'm

766
00:38:38,120 --> 00:38:40,160
Speaker 1: a baby. It was a five steps in and I'm

767
00:38:40,320 --> 00:38:46,200
Speaker 1: burst into tears because I felt so and I literally so,

768
00:38:46,280 --> 00:38:48,080
Speaker 1: I don't know, like whatever higher power y'all believe in,

769
00:38:48,200 --> 00:38:51,920
Speaker 1: but formally I call it God. Informally I call it love. Right.

770
00:38:52,000 --> 00:38:53,839
Speaker 1: That's why if I think of like what higher power

771
00:38:53,960 --> 00:38:56,600
Speaker 1: means to me, it's just this feeling of love. Right.

772
00:38:56,719 --> 00:39:01,400
Speaker 1: And so I was like talking to the internal external

773
00:39:01,480 --> 00:39:04,120
Speaker 1: higher power, was like, literally, I said, why would you

774
00:39:04,239 --> 00:39:06,840
Speaker 1: allow her to have so little when someone like me

775
00:39:06,960 --> 00:39:08,719
Speaker 1: has so much? This is what I asked of the

776
00:39:08,800 --> 00:39:11,560
Speaker 1: higher power. And you know what the higher power said

777
00:39:11,560 --> 00:39:13,040
Speaker 1: back to me, because God be talking back to me.

778
00:39:13,719 --> 00:39:17,400
Speaker 1: It said, why would you? And I said, oh, not

779
00:39:17,560 --> 00:39:22,960
Speaker 1: reading me for filth, because the sense was, girl, I

780
00:39:23,120 --> 00:39:26,440
Speaker 1: have given enough, y'all hoarding it, because why does that

781
00:39:26,560 --> 00:39:31,880
Speaker 1: lady not have enough? You know? And I thought it's true,

782
00:39:32,160 --> 00:39:35,480
Speaker 1: like I certainly like I'm you know, I would call

783
00:39:35,520 --> 00:39:39,879
Speaker 1: myself a generous person, I guess. But I thought there's

784
00:39:40,000 --> 00:39:42,560
Speaker 1: more that I could do because how many unhoused people

785
00:39:42,760 --> 00:39:45,600
Speaker 1: live right in Newark where I live? And am I

786
00:39:45,760 --> 00:39:50,319
Speaker 1: doing anything like systematically to help. You know, there are

787
00:39:50,320 --> 00:39:52,440
Speaker 1: other organizations I give to and I don'nate here and

788
00:39:52,520 --> 00:39:54,640
Speaker 1: did like you know, I'm always clearing like teachers be

789
00:39:54,719 --> 00:39:56,560
Speaker 1: hitting me in my inbox. They have their Amazon lists

790
00:39:56,560 --> 00:39:58,279
Speaker 1: for the classroom or I'm the queen the clearing all

791
00:39:58,320 --> 00:40:00,360
Speaker 1: account so that I'm not new to the you know,

792
00:40:00,440 --> 00:40:03,439
Speaker 1: I like, but I was just like Tiffany, what would

793
00:40:03,440 --> 00:40:06,400
Speaker 1: a thousand or fifteen hundred dollars do a month in

794
00:40:06,560 --> 00:40:09,800
Speaker 1: your city? If you I mean, I know three restaurant

795
00:40:09,840 --> 00:40:12,279
Speaker 1: tours personally that I can say, hey, girl, if I

796
00:40:12,320 --> 00:40:14,520
Speaker 1: gave you fifteen hundred dollars once a month, how many

797
00:40:14,520 --> 00:40:18,080
Speaker 1: people could you feed? You know, when you're closed, you know,

798
00:40:18,200 --> 00:40:20,040
Speaker 1: like how much food could I buy at cost? And

799
00:40:20,160 --> 00:40:22,280
Speaker 1: you you know, we it's like, oh, every first Tuesday,

800
00:40:22,320 --> 00:40:24,000
Speaker 1: people know they can come here, like I know one

801
00:40:24,080 --> 00:40:26,840
Speaker 1: restaurant tour in particular. Her name is Adena. She is

802
00:40:26,880 --> 00:40:30,800
Speaker 1: a child of like War. She came to the United States.

803
00:40:31,080 --> 00:40:33,160
Speaker 1: She owns the ie Hop, which is I think it's

804
00:40:33,239 --> 00:40:35,360
Speaker 1: like the number one most successful I hop in the

805
00:40:35,360 --> 00:40:38,760
Speaker 1: Eastern Seaboard. She also owns this place called like Beijon

806
00:40:39,040 --> 00:40:41,680
Speaker 1: or Vegan Newark or whatever. She owns like that. I

807
00:40:41,760 --> 00:40:45,840
Speaker 1: think two ie hops anyway, very successful young and I

808
00:40:46,040 --> 00:40:48,919
Speaker 1: know for a fact that Adida does like free food

809
00:40:48,960 --> 00:40:51,239
Speaker 1: for kids. I know that she has like times where

810
00:40:51,280 --> 00:40:54,359
Speaker 1: she feeds on house. What would it take if I said, girl,

811
00:40:54,440 --> 00:40:57,239
Speaker 1: here's an extra fifteen hundred two thousand dollars from me

812
00:40:57,680 --> 00:40:59,880
Speaker 1: to like how many additional people? And what if I

813
00:41:00,080 --> 00:41:01,759
Speaker 1: went through? So I just started thinking about it. What

814
00:41:01,800 --> 00:41:03,880
Speaker 1: if I went through the United Way and said if

815
00:41:03,960 --> 00:41:07,600
Speaker 1: I gave it through you and then allow you know,

816
00:41:07,719 --> 00:41:11,160
Speaker 1: and asking that My only ask is that at least

817
00:41:11,239 --> 00:41:13,440
Speaker 1: ninety percent of it went directly to the restaurant to

818
00:41:13,480 --> 00:41:15,879
Speaker 1: do the good work, because then it will allow maybe

819
00:41:16,000 --> 00:41:19,640
Speaker 1: corporate entities because credentials in Newark, Panasonic is in Newark,

820
00:41:19,880 --> 00:41:23,520
Speaker 1: to then also give in a way that like you

821
00:41:23,600 --> 00:41:25,080
Speaker 1: know that they're gonna want to give, which is through

822
00:41:25,200 --> 00:41:28,319
Speaker 1: like a nonprofit entity but like you know, and making

823
00:41:28,400 --> 00:41:30,400
Speaker 1: it a thing. And I call my friend Denise, and

824
00:41:30,440 --> 00:41:32,600
Speaker 1: Denise's like, oh, if it's if it's like you know,

825
00:41:33,040 --> 00:41:35,640
Speaker 1: every first Sunday, I can bring clothes that day. And

826
00:41:36,120 --> 00:41:39,200
Speaker 1: you know, women in shelters often don't have sanitary for

827
00:41:39,320 --> 00:41:41,560
Speaker 1: their mental cycles. Like so even if you don't have

828
00:41:41,640 --> 00:41:43,600
Speaker 1: money to give, You're like I can drop off pads,

829
00:41:43,600 --> 00:41:45,640
Speaker 1: I can drop off socks, I can things that people

830
00:41:45,680 --> 00:41:47,960
Speaker 1: don't normally have access to. And so I just thought,

831
00:41:48,000 --> 00:41:50,160
Speaker 1: because if I'm being honest, the place where I am

832
00:41:50,239 --> 00:41:53,359
Speaker 1: now fifteen hundred dollars a month, would it's not going

833
00:41:53,440 --> 00:41:56,560
Speaker 1: to break anything that's happening here, you know. And so

834
00:41:56,680 --> 00:41:58,520
Speaker 1: it's like instead of saying like why would you allow

835
00:41:58,560 --> 00:42:00,160
Speaker 1: this thing to happen, it's like tivity, why would you?

836
00:42:00,560 --> 00:42:02,520
Speaker 1: And so I just committed to that that, Like I

837
00:42:02,640 --> 00:42:04,080
Speaker 1: was like, I'm going to start off at like fifteen

838
00:42:04,160 --> 00:42:07,279
Speaker 1: hundred dollars a month, and I'm just simple and soon

839
00:42:07,320 --> 00:42:10,000
Speaker 1: I'm trying not to overthink it. You know, certainly get great.

840
00:42:10,160 --> 00:42:14,479
Speaker 2: The food bank, the there's like food banks are great

841
00:42:14,840 --> 00:42:16,720
Speaker 2: because I think there's also been a rise in people

842
00:42:16,880 --> 00:42:20,719
Speaker 2: just going to food banks, and there's a there's We

843
00:42:20,840 --> 00:42:23,800
Speaker 2: have an organization is called Feeding Westchester that I do

844
00:42:23,920 --> 00:42:28,560
Speaker 2: my monthly tithe contribution to. Okay, and you'll see them

845
00:42:28,600 --> 00:42:31,160
Speaker 2: set up and the lines are always wrapped around the block. Okay.

846
00:42:32,400 --> 00:42:34,640
Speaker 2: So that's yeah, I think that's wonderful and I think

847
00:42:34,680 --> 00:42:36,640
Speaker 2: that's all we really that's one of the things that

848
00:42:36,719 --> 00:42:39,000
Speaker 2: you can do. I think that there's there's so many

849
00:42:39,120 --> 00:42:42,080
Speaker 2: different levels of attack when it comes to these like

850
00:42:42,200 --> 00:42:47,879
Speaker 2: systemic chronic issues, yeah, poverty, hunger, you know, you could

851
00:42:47,920 --> 00:42:51,440
Speaker 2: also tie in the opioid crisis with that to the

852
00:42:51,719 --> 00:42:54,600
Speaker 2: rising cost of housing. It's like all of these issues

853
00:42:54,640 --> 00:42:58,960
Speaker 2: are interconnected and they require such a multi pronged approach

854
00:42:59,040 --> 00:43:02,040
Speaker 2: to and it's like taking off the pressure from yourself

855
00:43:02,120 --> 00:43:05,160
Speaker 2: to be the one to fix it and just standing yeah,

856
00:43:05,360 --> 00:43:07,640
Speaker 2: just understanding that we all have a role to play,

857
00:43:08,400 --> 00:43:11,480
Speaker 2: voting like the officials legislations saying, you know.

858
00:43:11,800 --> 00:43:13,120
Speaker 1: Just be like, you know what, I'm going to carry

859
00:43:13,120 --> 00:43:15,759
Speaker 1: pats with me. And then because sometimes you know, you

860
00:43:15,800 --> 00:43:18,120
Speaker 1: feel so overwhelmedcause you're like what about and then and

861
00:43:18,160 --> 00:43:21,200
Speaker 1: then it's like, okay, okay, I cannot fix all the

862
00:43:21,280 --> 00:43:24,319
Speaker 1: world's ills, but I could, to your point, I could

863
00:43:24,320 --> 00:43:26,800
Speaker 1: donate fifteen hundred dollars to the food bank, you know,

864
00:43:27,000 --> 00:43:29,719
Speaker 1: and then I could make it something where I'm just like,

865
00:43:29,800 --> 00:43:32,680
Speaker 1: cause one of the things I used to do stuff

866
00:43:32,680 --> 00:43:34,160
Speaker 1: like this all the time that I would like, you know,

867
00:43:34,200 --> 00:43:37,320
Speaker 1: if somebody needed help or if there was an organization forgiving,

868
00:43:37,360 --> 00:43:40,319
Speaker 1: I would post about it regularly. Because what I found

869
00:43:40,400 --> 00:43:42,359
Speaker 1: is that people actually want to do good works. They

870
00:43:42,440 --> 00:43:43,840
Speaker 1: just don't want to do the work to find the

871
00:43:43,880 --> 00:43:45,640
Speaker 1: good works because they're like, I don't have time to

872
00:43:45,680 --> 00:43:48,440
Speaker 1: figure out what's legitimate. And so if there's good works

873
00:43:48,480 --> 00:43:51,319
Speaker 1: that I know where it actually helps people, I can say, hey,

874
00:43:51,640 --> 00:43:54,279
Speaker 1: so you know, I'm doing my monthly donation, and I

875
00:43:54,400 --> 00:43:56,880
Speaker 1: see for myself because I go there physically that this

876
00:43:57,120 --> 00:43:59,640
Speaker 1: is the benefit of that. If you're looking for a place,

877
00:44:00,080 --> 00:44:02,840
Speaker 1: here's a legitimate one. Sometimes just even sharing that. So

878
00:44:02,920 --> 00:44:04,720
Speaker 1: I just because when I tell you it took everything,

879
00:44:04,760 --> 00:44:06,120
Speaker 1: I was like, timany, why are you crying? You had

880
00:44:06,120 --> 00:44:07,840
Speaker 1: to get do the grass. I'm just but I was

881
00:44:07,960 --> 00:44:09,759
Speaker 1: just like I had to really like get yourself together

882
00:44:09,760 --> 00:44:14,640
Speaker 1: because it just felt sough. It just nobody should live

883
00:44:14,719 --> 00:44:16,600
Speaker 1: like that. You know, we're not animals. I mean we are,

884
00:44:16,680 --> 00:44:19,080
Speaker 1: but you know what I mean, like you know that,

885
00:44:19,280 --> 00:44:22,200
Speaker 1: like this is someone's daughter at the end of the day.

886
00:44:23,040 --> 00:44:25,560
Speaker 1: You know, she might even be somebody's mother, she might

887
00:44:25,600 --> 00:44:27,600
Speaker 1: be somebody's aunt. I think about it. I used to

888
00:44:27,640 --> 00:44:28,920
Speaker 1: think about it all the time when I used to

889
00:44:28,920 --> 00:44:32,279
Speaker 1: walk my babies when I taught preschool, because they lived

890
00:44:32,280 --> 00:44:35,759
Speaker 1: in a neighborhood where that was quite common to see afflicted,

891
00:44:36,040 --> 00:44:39,600
Speaker 1: drug addicted unhoused. And I used to think to myself

892
00:44:39,600 --> 00:44:41,400
Speaker 1: as I was walking my babies, like I pray this,

893
00:44:41,560 --> 00:44:43,640
Speaker 1: this is never going to be their future because at

894
00:44:43,680 --> 00:44:46,920
Speaker 1: some point they were somebody's babies, you know, they were

895
00:44:46,920 --> 00:44:49,719
Speaker 1: somebody's three year old, maybe in preschool. How does it

896
00:44:49,800 --> 00:44:52,120
Speaker 1: turn into this? I don't know, As I used to

897
00:44:52,200 --> 00:44:53,320
Speaker 1: just it just may used to make me want to

898
00:44:53,360 --> 00:44:56,480
Speaker 1: love them, on them as much as possible, to hopefully

899
00:44:56,600 --> 00:44:59,920
Speaker 1: see them through, you know, like whatever life might bring.

900
00:45:00,160 --> 00:45:02,560
Speaker 1: And so I just said, Okay, you can't fix everything,

901
00:45:02,640 --> 00:45:04,440
Speaker 1: but this is what you can do, you know, I

902
00:45:04,480 --> 00:45:07,360
Speaker 1: don't want to get analysis paralysis and so yeah, but

903
00:45:07,760 --> 00:45:10,360
Speaker 1: if you are listening to this and you're like, oh, actually, Tiffany,

904
00:45:11,160 --> 00:45:13,600
Speaker 1: you know, here's a you know, maybe here's someone who

905
00:45:13,640 --> 00:45:17,120
Speaker 1: works for food bank or somebody who I just want

906
00:45:17,160 --> 00:45:20,680
Speaker 1: to make sure that at least ninety percent of like

907
00:45:20,880 --> 00:45:23,719
Speaker 1: what I give goes directly to be of service. So

908
00:45:23,800 --> 00:45:26,200
Speaker 1: I've just wanted to make sure. And to me, the

909
00:45:26,320 --> 00:45:29,279
Speaker 1: thing that's pushing me is like helping people have access

910
00:45:29,360 --> 00:45:32,279
Speaker 1: to food. So I don't know, so if there's like

911
00:45:32,360 --> 00:45:34,120
Speaker 1: an even better way. I'm open to it, So I

912
00:45:34,160 --> 00:45:36,439
Speaker 1: don't you know, I'm not stuck in one particular way.

913
00:45:36,440 --> 00:45:38,279
Speaker 1: This is just what came to mind. But you know,

914
00:45:38,719 --> 00:45:40,319
Speaker 1: I just want to make sure that I don't want

915
00:45:40,320 --> 00:45:43,080
Speaker 1: to give fifteen hundred and five hundred goals. It's like no, no, no, no, no,

916
00:45:43,520 --> 00:45:45,279
Speaker 1: I want to give fifteen hundred. I get sometimes there's

917
00:45:45,280 --> 00:45:47,440
Speaker 1: an administrative things or maybe you have to buy containers

918
00:45:47,560 --> 00:45:48,960
Speaker 1: or play to nat in on them.

919
00:45:49,680 --> 00:45:52,479
Speaker 2: I like that in that website Charity Navigator, because it'll

920
00:45:52,520 --> 00:45:55,880
Speaker 2: it crades charities based on how much overhead, like how

921
00:45:55,960 --> 00:45:59,360
Speaker 2: much money contributions go toward, yeah, the cause and how

922
00:45:59,440 --> 00:46:04,439
Speaker 2: much towards overhead costs and stuff. But okay, oh yeah,

923
00:46:04,640 --> 00:46:06,759
Speaker 2: I mean I guess it's my break, but just for

924
00:46:06,920 --> 00:46:09,080
Speaker 2: the sadness of it all. But also sometimes I guess

925
00:46:09,120 --> 00:46:10,640
Speaker 2: we need to be shaken up and shaken out of

926
00:46:10,719 --> 00:46:11,959
Speaker 2: our comfort zone.

927
00:46:12,360 --> 00:46:13,000
Speaker 1: We need to look.

928
00:46:13,160 --> 00:46:15,759
Speaker 2: We have to be confronted sometimes. Yeah, and it's it

929
00:46:15,800 --> 00:46:17,760
Speaker 2: could be really easy for you to go left instead

930
00:46:17,800 --> 00:46:25,719
Speaker 2: of right, you know what I mean? Yeah, I know, so.

931
00:46:29,520 --> 00:46:30,920
Speaker 1: This is abody want to end on this. I was like,

932
00:46:31,000 --> 00:46:34,360
Speaker 1: left that and not the break. Let's something a.

933
00:46:34,320 --> 00:46:37,280
Speaker 2: Little more let me just haul this eighteen wheeler of sadness.

934
00:46:37,480 --> 00:46:38,000
Speaker 1: The other.

935
00:46:39,520 --> 00:46:40,720
Speaker 2: We're creating.

936
00:46:44,080 --> 00:46:46,080
Speaker 1: Not as having matching hairstyles today.

937
00:46:46,880 --> 00:46:50,520
Speaker 2: All the pineapple. Yeah it looks so rangedy.

938
00:46:50,320 --> 00:46:52,520
Speaker 1: But always poping.

939
00:46:52,560 --> 00:46:56,120
Speaker 2: Okay, YM's like, I'm not really popping today. I'm just

940
00:46:56,200 --> 00:46:57,920
Speaker 2: so tired of the age we have to see ourselves

941
00:46:57,960 --> 00:47:00,560
Speaker 2: all the time and room we had our and there

942
00:47:00,600 --> 00:47:01,160
Speaker 2: was no video.

943
00:47:01,600 --> 00:47:06,920
Speaker 1: Girl, I be on here looking you want to use

944
00:47:06,960 --> 00:47:09,000
Speaker 1: to do video? And I was like, but Mandy, was

945
00:47:09,040 --> 00:47:12,600
Speaker 1: that my idea? Yeah? I was so like, but do

946
00:47:12,640 --> 00:47:14,600
Speaker 1: you understand how I show up, girl, I'd be having

947
00:47:14,640 --> 00:47:18,480
Speaker 1: one sock one I'll be having like no, just but no,

948
00:47:18,680 --> 00:47:20,920
Speaker 1: I mean I'm over here now, and then added it.

949
00:47:21,160 --> 00:47:23,000
Speaker 1: But at the time, I was like, this is my

950
00:47:23,080 --> 00:47:24,120
Speaker 1: place to look crazy.

951
00:47:24,719 --> 00:47:28,920
Speaker 2: Yeah, no longer that it's okay. Anyway, I want to

952
00:47:28,960 --> 00:47:33,040
Speaker 2: do a shout out to the New York Liberty because

953
00:47:33,080 --> 00:47:36,840
Speaker 2: they're going to the playoffs. And I know that because

954
00:47:36,920 --> 00:47:40,879
Speaker 2: my friend texts me and she's a very good sports fan,

955
00:47:41,120 --> 00:47:43,400
Speaker 2: and I am not a very good sports fan because

956
00:47:43,560 --> 00:47:45,560
Speaker 2: I already use a lot of my executive I don't

957
00:47:45,560 --> 00:47:48,160
Speaker 2: know how this woman has time to like pay attention

958
00:47:48,320 --> 00:47:52,520
Speaker 2: to game times and buy tickets in advance. I really

959
00:47:52,600 --> 00:47:54,719
Speaker 2: do want to be a sports fan. I want to

960
00:47:54,760 --> 00:47:56,600
Speaker 2: be a fan of the New York Liberty. I want

961
00:47:56,600 --> 00:47:59,279
Speaker 2: to go to games and stuff like that. I told

962
00:47:59,280 --> 00:48:01,920
Speaker 2: her next year's going to be the year, even though

963
00:48:01,960 --> 00:48:03,640
Speaker 2: last year I said I was really going to devote

964
00:48:03,640 --> 00:48:05,920
Speaker 2: myself to the Georgia Bulldogs and SEC and I just

965
00:48:06,080 --> 00:48:09,600
Speaker 2: like lost, I lost track. But shout out to them,

966
00:48:09,840 --> 00:48:13,320
Speaker 2: because it's all it's a woman, it's a w n

967
00:48:13,360 --> 00:48:15,840
Speaker 2: B A and they are killing it.

968
00:48:16,239 --> 00:48:17,600
Speaker 1: And is that Ellie?

969
00:48:17,719 --> 00:48:21,560
Speaker 2: Is that that they have that elephant? Nice? And I

970
00:48:21,760 --> 00:48:24,640
Speaker 2: know I was looking at ticket prices. I just can't

971
00:48:24,680 --> 00:48:27,759
Speaker 2: do it. But yeah, I can't do it this year.

972
00:48:27,800 --> 00:48:31,520
Speaker 2: I'm trying to make better decisions on the money, as

973
00:48:31,600 --> 00:48:35,480
Speaker 2: I have stated previously. Not y'all see, everyone's gonna be

974
00:48:35,520 --> 00:48:38,279
Speaker 2: judging me now, didn't you say? I was thinking that,

975
00:48:38,520 --> 00:48:44,120
Speaker 2: like not, Yeah, it's accountability. It's accountability. You're right. I

976
00:48:44,200 --> 00:48:46,400
Speaker 2: don't need to be spending money. We got food, we

977
00:48:46,520 --> 00:48:53,120
Speaker 2: have sports out sports home. But yeah, shout out to

978
00:48:53,160 --> 00:48:55,560
Speaker 2: them and to w NBA fans, and I just love

979
00:48:55,640 --> 00:48:59,160
Speaker 2: how exciting this is. And I can't wait to make

980
00:48:59,200 --> 00:49:04,239
Speaker 2: my boys w NBA fans and all of that. And

981
00:49:04,640 --> 00:49:06,800
Speaker 2: I don't think Caitlin Clark is on that team, but

982
00:49:06,920 --> 00:49:10,120
Speaker 2: like shout out to her. And I almost said, Shakari Richardson,

983
00:49:10,160 --> 00:49:13,440
Speaker 2: that is not a folk about. Let me stop all

984
00:49:13,440 --> 00:49:13,839
Speaker 2: in my head.

985
00:49:15,239 --> 00:49:18,520
Speaker 1: Just like sports sports and sports sports, all the sport girlies.

986
00:49:18,760 --> 00:49:23,719
Speaker 1: I'm like sports. I want to be I want to know.

987
00:49:24,160 --> 00:49:25,879
Speaker 2: But like the thing is, I'm either like one hundred

988
00:49:25,920 --> 00:49:28,239
Speaker 2: percent in or I'm like not even like when I

989
00:49:28,320 --> 00:49:31,280
Speaker 2: get invested, I will know I want to be invested,

990
00:49:31,760 --> 00:49:34,759
Speaker 2: you know, but we'll see next year. There's always next year.

991
00:49:34,760 --> 00:49:36,640
Speaker 2: But good lick, good luck in the playoffs. I hope

992
00:49:36,640 --> 00:49:39,359
Speaker 2: we win. And Ellie the Elephant, I'll be looking at

993
00:49:39,360 --> 00:49:43,760
Speaker 2: your clips online because you are that girl whoever's inside.

994
00:49:45,160 --> 00:49:45,560
Speaker 1: And that's all.

995
00:49:45,600 --> 00:49:46,600
Speaker 2: Thanks for listening to the show.

996
00:49:46,840 --> 00:49:48,560
Speaker 1: Wait, do real quick, do you have any new you know?

997
00:49:48,600 --> 00:49:49,360
Speaker 1: It's always nice to you.

998
00:49:49,400 --> 00:49:53,160
Speaker 2: Do you have any new new reviews? You know?

999
00:49:53,200 --> 00:49:55,160
Speaker 1: While man is looking. You know, we love a review,

1000
00:49:55,760 --> 00:49:59,120
Speaker 1: especially on the Apple, because it allows people to find

1001
00:49:59,280 --> 00:50:03,200
Speaker 1: us to Yes, it amplifies our voices even further, especially

1002
00:50:03,200 --> 00:50:03,960
Speaker 1: if they're fivet.

1003
00:50:03,800 --> 00:50:08,640
Speaker 4: I no pressure, A little bit of pressure is fine.

1004
00:50:09,920 --> 00:50:12,200
Speaker 4: So and we might weave review on the show, So

1005
00:50:12,560 --> 00:50:13,920
Speaker 4: do it all right?

1006
00:50:14,000 --> 00:50:16,839
Speaker 2: Listener Moi Ray says, I literally just shared your show

1007
00:50:16,920 --> 00:50:18,960
Speaker 2: with my friend. I'm a first time listener and I

1008
00:50:19,040 --> 00:50:20,960
Speaker 2: just love your energy. You're so fun to listen to.

1009
00:50:21,680 --> 00:50:29,480
Speaker 2: Looking forward to many more listens, Yes, Moi, or maybe

1010
00:50:29,520 --> 00:50:34,040
Speaker 2: it's Moi Ray, I don't know. Are you ongoing? Moy

1011
00:50:38,880 --> 00:50:41,080
Speaker 2: You can gets very wrong. Think you will be a

1012
00:50:41,200 --> 00:50:43,120
Speaker 2: fam alright, stay tuned because we're gonna come to you

1013
00:50:43,280 --> 00:50:46,040
Speaker 2: Friday with the b A q u A and don't

1014
00:50:46,080 --> 00:50:49,560
Speaker 2: miss a how holaback episodes which air on Monday, where

1015
00:50:49,560 --> 00:50:53,200
Speaker 2: we dive into our archives and dig up an oldie

1016
00:50:53,239 --> 00:50:55,479
Speaker 2: but a goodie, especially for the new listeners who haven't

1017
00:50:55,480 --> 00:50:57,360
Speaker 2: had time to listen to I don't know, six hundred

1018
00:50:57,360 --> 00:51:01,440
Speaker 2: episodes over nine years, how dare you? But we're going

1019
00:51:01,520 --> 00:51:02,920
Speaker 2: to find the best of the best and bring them

1020
00:51:02,960 --> 00:51:05,839
Speaker 2: to you Monday. So until then, ya, bye bye bye