1 00:00:05,360 --> 00:00:09,119 Speaker 1: It's time for the b a q a A b 2 00:00:09,360 --> 00:00:10,959 Speaker 1: a q A What you say? 3 00:00:11,200 --> 00:00:13,880 Speaker 2: The b a q eight with Mandad, the b a 4 00:00:14,280 --> 00:00:17,840 Speaker 2: q eight with Tiffin, the b a q a. 5 00:00:17,320 --> 00:00:24,599 Speaker 3: A What's up? Be a fam Welcome to b a q. 6 00:00:24,640 --> 00:00:28,960 Speaker 2: A word your favorite brown girlies answer your business, career, 7 00:00:29,080 --> 00:00:33,239 Speaker 2: personal finance questions. But we are not your mama. We 8 00:00:33,320 --> 00:00:36,440 Speaker 2: are not your doctor, your attorney, your financial advisor. 9 00:00:36,760 --> 00:00:37,279 Speaker 1: We are just. 10 00:00:37,280 --> 00:00:42,159 Speaker 2: Merely your fave non related financial girly cousins who are 11 00:00:42,159 --> 00:00:42,919 Speaker 2: really smart and. 12 00:00:42,960 --> 00:00:43,680 Speaker 1: C or whatever. 13 00:00:44,720 --> 00:00:47,040 Speaker 2: But we want you to tap into the people that 14 00:00:47,080 --> 00:00:49,280 Speaker 2: you do pay for advice. So you take us with 15 00:00:49,320 --> 00:00:50,239 Speaker 2: the smallest grand of salt. 16 00:00:50,320 --> 00:00:52,320 Speaker 1: Okay, okay. If you have a question, though, you can 17 00:00:52,520 --> 00:00:52,959 Speaker 1: ask us. 18 00:00:53,159 --> 00:00:55,480 Speaker 2: Go to Bran and Bits from podcast dot com, click 19 00:00:55,560 --> 00:00:58,760 Speaker 2: contact us, sign to the d MS on Insta, Brianna 20 00:00:58,800 --> 00:01:02,960 Speaker 2: bis and podcast, the BA podcast on Twitter, and Bradnavision 21 00:01:03,000 --> 00:01:08,120 Speaker 2: Podcasts at gmail dot com. Zuck, all right, Mandra, you 22 00:01:08,160 --> 00:01:10,319 Speaker 2: wanna which one you want to go to? Be one 23 00:01:10,319 --> 00:01:11,679 Speaker 2: first or you want to do the second one. The 24 00:01:11,720 --> 00:01:13,640 Speaker 2: second one is kind of messy, honey, you failing messy? 25 00:01:13,640 --> 00:01:14,920 Speaker 2: Are you feeling inspirational? 26 00:01:15,600 --> 00:01:17,880 Speaker 1: Ooh, I'm kind of feeling messy. Okay, okay, I'll start 27 00:01:17,920 --> 00:01:18,440 Speaker 1: with inspiration. 28 00:01:18,480 --> 00:01:23,040 Speaker 2: Okay, okay, okay, this is from Well. You didn't say 29 00:01:23,040 --> 00:01:24,759 Speaker 2: your name, so we're gonna call you jam Rock because 30 00:01:24,840 --> 00:01:27,959 Speaker 2: you live in Jamaica, which I love. Ooh, good nights. 31 00:01:28,000 --> 00:01:30,080 Speaker 2: I love this West thingda is why y'all do that? 32 00:01:30,360 --> 00:01:32,040 Speaker 2: Good night, Hope all as well? You know how you 33 00:01:32,880 --> 00:01:35,520 Speaker 2: know they answer the phone good night, good day. I 34 00:01:35,560 --> 00:01:39,040 Speaker 2: love it anyway, good manners, good night Hope all is well. 35 00:01:39,319 --> 00:01:41,480 Speaker 2: I have a question. How do you know when you're 36 00:01:41,480 --> 00:01:44,480 Speaker 2: ready for your next big financial step. I'm looking to 37 00:01:44,520 --> 00:01:48,040 Speaker 2: either attain a home or car or car, however, the 38 00:01:48,120 --> 00:01:52,200 Speaker 2: home is the higher priority. Currently I have no loans, 39 00:01:52,280 --> 00:01:56,600 Speaker 2: student loans paid off, or debt okay, Jamaica, I'm also 40 00:01:56,840 --> 00:02:00,600 Speaker 2: investing in have savings. Sending love from Jamaica. First of all, 41 00:02:00,680 --> 00:02:01,320 Speaker 2: jam Rock, we. 42 00:02:01,280 --> 00:02:01,840 Speaker 1: Love this for you. 43 00:02:02,680 --> 00:02:03,200 Speaker 3: I love it. 44 00:02:03,320 --> 00:02:05,520 Speaker 2: We love this for you that you are in a 45 00:02:05,560 --> 00:02:09,120 Speaker 2: position where, like you know, no dead, you have savings 46 00:02:09,360 --> 00:02:11,640 Speaker 2: and so this is more like a mental shift. So 47 00:02:11,720 --> 00:02:14,400 Speaker 2: how like Mandy, when you are you know, like when 48 00:02:14,440 --> 00:02:16,120 Speaker 2: you before you bought the house with Enrique even I 49 00:02:16,120 --> 00:02:19,280 Speaker 2: remember when you guys were contemplating the tesla, like what 50 00:02:19,440 --> 00:02:22,200 Speaker 2: is the mindset shift that you like tussle with in 51 00:02:22,280 --> 00:02:24,320 Speaker 2: order to make those changes, those financial changes? 52 00:02:24,880 --> 00:02:26,840 Speaker 3: How do I get my husband to agree with me? 53 00:02:29,200 --> 00:02:31,440 Speaker 3: It sucks when you have to make big financial decisions 54 00:02:31,520 --> 00:02:36,160 Speaker 3: as a unit because we each may have different ideas 55 00:02:36,160 --> 00:02:38,800 Speaker 3: of one what ready is? And I feel like the 56 00:02:38,840 --> 00:02:41,320 Speaker 3: first thing is if you're by yourself and it's just you, 57 00:02:41,320 --> 00:02:44,560 Speaker 3: yourself and you, that almost makes things easier. I don't 58 00:02:44,560 --> 00:02:46,680 Speaker 3: know if you have a family, but as far as 59 00:02:46,720 --> 00:02:49,320 Speaker 3: like when are you ready for the move? The beautiful 60 00:02:49,360 --> 00:02:51,799 Speaker 3: thing is that you've created a space where you are 61 00:02:51,800 --> 00:02:57,359 Speaker 3: financially prepared. I think for you, it's like, let's take 62 00:02:57,400 --> 00:02:59,440 Speaker 3: the next steps to find out what would that look 63 00:02:59,560 --> 00:03:00,880 Speaker 3: like for you. Do you know where you want to 64 00:03:00,880 --> 00:03:02,600 Speaker 3: have a house? Do you know what your budget would be? 65 00:03:03,600 --> 00:03:05,400 Speaker 3: Do you know the process for getting a mortgage? I 66 00:03:05,440 --> 00:03:07,480 Speaker 3: don't know what that's like in Jamaica. If that's brings 67 00:03:07,520 --> 00:03:10,200 Speaker 3: for Jamaica, mm hmm, yeah, Like what would that process 68 00:03:10,200 --> 00:03:12,399 Speaker 3: look like for you? And then you know, I don't 69 00:03:12,400 --> 00:03:14,520 Speaker 3: feel like it's a It doesn't also doesn't have to 70 00:03:14,560 --> 00:03:16,519 Speaker 3: It may not have to be a house or car, 71 00:03:17,680 --> 00:03:21,240 Speaker 3: but which one serves you in your lifestyle? Right now, 72 00:03:21,400 --> 00:03:23,800 Speaker 3: Renting is fine, Renting is cute. You want to have 73 00:03:23,840 --> 00:03:25,640 Speaker 3: a nice car and keep renting, that's you know, you 74 00:03:25,639 --> 00:03:28,520 Speaker 3: can do your thing. But you know, if you decide 75 00:03:28,720 --> 00:03:31,760 Speaker 3: you one person you want to like invest in some property, 76 00:03:31,840 --> 00:03:34,400 Speaker 3: then that can be the better decision. But I think 77 00:03:34,440 --> 00:03:38,680 Speaker 3: it's just about you not getting stuck at analysis analysis 78 00:03:38,720 --> 00:03:42,080 Speaker 3: paralysis and actually like thinking through what the next steps 79 00:03:42,080 --> 00:03:44,520 Speaker 3: would look like for you in either scenario. And I 80 00:03:44,520 --> 00:03:46,840 Speaker 3: feel like the house is the big one that is 81 00:03:46,920 --> 00:03:49,760 Speaker 3: going to take more than just going to a dealership. 82 00:03:49,840 --> 00:03:54,240 Speaker 3: Right yeah. Yeah. If I was on my own, husby 83 00:03:54,320 --> 00:03:57,720 Speaker 3: is currently fighting about car number two. I'm thinking I'm 84 00:03:57,760 --> 00:04:00,920 Speaker 3: a long term person. I I don't really care about 85 00:04:00,960 --> 00:04:04,160 Speaker 3: cars so much. I know that there's plenty of households 86 00:04:04,160 --> 00:04:07,480 Speaker 3: in America that have two kids and one car and 87 00:04:07,520 --> 00:04:10,320 Speaker 3: they're doing just fine. I was one of those households 88 00:04:10,360 --> 00:04:12,280 Speaker 3: for a long time. We were doing just fine. It 89 00:04:12,280 --> 00:04:15,840 Speaker 3: would be more convenient, sure, but I'm doing just fine. 90 00:04:15,880 --> 00:04:18,039 Speaker 3: So for me, I'm able to be like, Eh, car 91 00:04:18,160 --> 00:04:20,240 Speaker 3: not so much. Let's like focus long term on our 92 00:04:20,279 --> 00:04:24,360 Speaker 3: next property. Okay, but we're just at a stalemate right now. 93 00:04:24,960 --> 00:04:26,760 Speaker 1: But we're saving for a thing. We just don't have 94 00:04:26,839 --> 00:04:27,920 Speaker 1: integrated on what the thing is. 95 00:04:28,120 --> 00:04:28,279 Speaker 3: You know. 96 00:04:28,360 --> 00:04:30,640 Speaker 2: I love that, So maybe that's part of the advice too, 97 00:04:30,800 --> 00:04:33,599 Speaker 2: is like, you know, even if you haven't decided which 98 00:04:33,640 --> 00:04:35,920 Speaker 2: is going to be the thing, continue to save and 99 00:04:36,000 --> 00:04:39,359 Speaker 2: just say this is my savings for a call it 100 00:04:39,400 --> 00:04:41,800 Speaker 2: big goal, you know. And I don't know how it 101 00:04:41,839 --> 00:04:45,080 Speaker 2: is in Jamaica. But here in USA, USA, as my 102 00:04:45,120 --> 00:04:48,040 Speaker 2: cousin would call cousins would call it. In Nigeria, we're 103 00:04:48,040 --> 00:04:52,719 Speaker 2: an USA. If you purchase a car and you get 104 00:04:54,000 --> 00:04:56,840 Speaker 2: that you finance the car, it will prohibit you from 105 00:04:57,000 --> 00:04:59,800 Speaker 2: likely getting a home for some months because they don't 106 00:04:59,839 --> 00:05:02,040 Speaker 2: like to see that you recently got into new debt 107 00:05:02,080 --> 00:05:04,240 Speaker 2: in order to So just I don't know what it 108 00:05:04,279 --> 00:05:04,880 Speaker 2: is like in Jamaica. 109 00:05:04,880 --> 00:05:05,880 Speaker 1: Maybe it's totally different. 110 00:05:06,320 --> 00:05:08,719 Speaker 2: I also know in many countries, like Nigeria, for example, 111 00:05:08,760 --> 00:05:12,000 Speaker 2: you buy the land first and then you actually build 112 00:05:12,040 --> 00:05:13,320 Speaker 2: your home. So I don't know if it's like that 113 00:05:13,360 --> 00:05:16,520 Speaker 2: in Jamaica. So what I would say is that in 114 00:05:16,560 --> 00:05:18,960 Speaker 2: the United States, at least, there are classes that you 115 00:05:19,000 --> 00:05:21,640 Speaker 2: can take, not so much for the car, but definitely 116 00:05:21,680 --> 00:05:23,760 Speaker 2: for home ownership. So see if I don't know if 117 00:05:23,800 --> 00:05:25,640 Speaker 2: your local bank offers that I don't know how it works, 118 00:05:25,960 --> 00:05:28,520 Speaker 2: and jam Rock right, like, if it's if there are 119 00:05:28,560 --> 00:05:30,760 Speaker 2: classes that you could take to understand the process of 120 00:05:30,800 --> 00:05:32,880 Speaker 2: like what it looks like to purchase a home and 121 00:05:32,920 --> 00:05:34,279 Speaker 2: what some of those expenses might be. 122 00:05:34,600 --> 00:05:35,920 Speaker 1: So maybe I like to whatever. 123 00:05:35,960 --> 00:05:39,760 Speaker 2: I'm trying to the shift because to me, at your core, 124 00:05:40,480 --> 00:05:43,240 Speaker 2: at the core of your question, it's like, how do 125 00:05:43,320 --> 00:05:45,520 Speaker 2: I make decisions or how do I make decisions when 126 00:05:45,520 --> 00:05:47,880 Speaker 2: I'm ready to go to the next level financially? And 127 00:05:48,000 --> 00:05:50,880 Speaker 2: first things first, I like to ask myself what's the 128 00:05:50,920 --> 00:05:53,240 Speaker 2: desired outcome for me? How do I see my life? 129 00:05:53,279 --> 00:05:54,280 Speaker 2: How do I want it to go. I want to 130 00:05:54,279 --> 00:05:55,280 Speaker 2: be in the house, I want to have this car, 131 00:05:55,320 --> 00:05:57,960 Speaker 2: I want to whatever. And then to second is I 132 00:05:58,080 --> 00:06:01,039 Speaker 2: like to gather information to reach out to friends and 133 00:06:01,080 --> 00:06:03,240 Speaker 2: family that own homes. Maybe I want to take a 134 00:06:03,279 --> 00:06:06,279 Speaker 2: course or a class so I can start to frame 135 00:06:06,600 --> 00:06:10,000 Speaker 2: my decision based upon what I want and to this 136 00:06:10,080 --> 00:06:12,600 Speaker 2: additional information. And then three, there has to be a 137 00:06:12,680 --> 00:06:14,440 Speaker 2: moment where you take the leap and say I'm committed 138 00:06:14,480 --> 00:06:17,360 Speaker 2: to this, to this choice. But you're in a great position, 139 00:06:17,400 --> 00:06:18,920 Speaker 2: So I just want to give you a round of applause, 140 00:06:19,200 --> 00:06:22,240 Speaker 2: jam Rock for setting yourself up to get whatever it 141 00:06:22,279 --> 00:06:23,840 Speaker 2: is that you want. There's no right or wrong however 142 00:06:23,839 --> 00:06:25,800 Speaker 2: you want to rock it out, rock it out. So 143 00:06:26,440 --> 00:06:28,240 Speaker 2: if you do end up buying a home in Jamaica, 144 00:06:28,279 --> 00:06:31,160 Speaker 2: I'm just saying me and Mandy, would you know. 145 00:06:33,080 --> 00:06:35,599 Speaker 3: To the beach? That's all I want to exactly right, 146 00:06:35,720 --> 00:06:38,279 Speaker 3: because switch with my husband. His family lives in the 147 00:06:38,279 --> 00:06:45,960 Speaker 3: middle of the island. Okay, Dominican Republic vacation. 148 00:06:45,680 --> 00:06:50,920 Speaker 2: But no beach, they say, Now we are a. 149 00:06:50,839 --> 00:06:52,360 Speaker 3: Whole separate vacation after this. 150 00:06:53,160 --> 00:06:54,960 Speaker 2: But Jamaica, hoes say, is one of the most beautiful islands. 151 00:06:54,960 --> 00:06:57,800 Speaker 2: I've been like a couple of times. It is so gorgeous. 152 00:06:58,360 --> 00:06:59,960 Speaker 2: And you know the people that be thinking I'm jamake 153 00:07:00,080 --> 00:07:02,520 Speaker 2: it anyway with my lox or whatever, you know, So 154 00:07:02,600 --> 00:07:03,640 Speaker 2: you just let me know I could. 155 00:07:03,839 --> 00:07:07,159 Speaker 3: I could blend right into family sidebar. You know who 156 00:07:07,160 --> 00:07:09,960 Speaker 3: has the most incredible locks, Ava Duverne. Have you seen 157 00:07:10,000 --> 00:07:12,080 Speaker 3: the images of her stunning looks. 158 00:07:12,200 --> 00:07:13,120 Speaker 1: She's just so beautiful. 159 00:07:13,120 --> 00:07:16,000 Speaker 3: I wonder how long. Yeah, it's stunning. Yeah, but thank 160 00:07:16,040 --> 00:07:19,080 Speaker 3: you for your question. And just one last thing. One 161 00:07:19,080 --> 00:07:21,840 Speaker 3: of those items, house or a car is an investment, 162 00:07:21,960 --> 00:07:24,920 Speaker 3: is an investment. The other one typically not an investment. 163 00:07:24,960 --> 00:07:27,040 Speaker 3: That's all. I'm just gonna say. It's fine. If you 164 00:07:27,040 --> 00:07:29,800 Speaker 3: want to get the car, just know that you're buying 165 00:07:29,800 --> 00:07:34,400 Speaker 3: a depreciating asset. The one exception is when we actually 166 00:07:34,400 --> 00:07:36,920 Speaker 3: made money on our car by selling it during the pandemic. 167 00:07:36,920 --> 00:07:41,760 Speaker 3: But that's because of like crazy weird economics. It really 168 00:07:41,760 --> 00:07:43,559 Speaker 3: happens rarely, rarely. 169 00:07:43,720 --> 00:07:47,240 Speaker 2: Yeah, must mind some classic car or something like that 170 00:07:47,280 --> 00:07:47,960 Speaker 2: for a collectible. 171 00:07:47,960 --> 00:07:50,920 Speaker 3: But yeah, oh this is true, this is true. Oh 172 00:07:50,920 --> 00:07:52,800 Speaker 3: but night drink in the whole can of worms that 173 00:07:52,840 --> 00:07:53,480 Speaker 3: I am not prepared. 174 00:07:53,560 --> 00:07:56,360 Speaker 2: Now, let's just roll it on back in either way, yeah, bring, 175 00:07:56,480 --> 00:07:59,200 Speaker 2: but let us know either way what you decide. 176 00:07:59,680 --> 00:08:03,240 Speaker 3: Yeah, all right, jam Rock, I love that name. I 177 00:08:03,280 --> 00:08:06,120 Speaker 3: know it's not your name. Okay, So I'm gonna read 178 00:08:06,120 --> 00:08:06,720 Speaker 3: the next question. 179 00:08:06,760 --> 00:08:09,080 Speaker 1: Well, we're gonna take a break, a busy breaks. We 180 00:08:09,080 --> 00:08:11,560 Speaker 1: can pay some bills, slow all the way down your. 181 00:08:14,280 --> 00:08:14,440 Speaker 2: Time. 182 00:08:14,680 --> 00:08:17,680 Speaker 1: After eight years, I finally remember things too. 183 00:08:19,200 --> 00:08:20,680 Speaker 3: I love it. I need you great here. 184 00:08:22,000 --> 00:08:23,360 Speaker 2: All right, So we're gonna take a break, guys, and 185 00:08:23,400 --> 00:08:25,720 Speaker 2: we'll be back and black and browner than ever. 186 00:08:28,520 --> 00:08:31,360 Speaker 3: Okay, b a fam, We are back after our break 187 00:08:31,360 --> 00:08:33,920 Speaker 3: with our second question. This one is from anonymous and 188 00:08:33,960 --> 00:08:35,520 Speaker 3: Tiffany has promised me it will be. 189 00:08:35,480 --> 00:08:38,719 Speaker 2: Messy, just a little messy, so we're gonna actually call you. Well, 190 00:08:38,880 --> 00:08:40,760 Speaker 2: I feel like it's not fair because you're not messy, 191 00:08:40,800 --> 00:08:42,600 Speaker 2: but I want a nice messy name. 192 00:08:43,280 --> 00:08:45,200 Speaker 1: Like what should we call like? So that way? 193 00:08:45,480 --> 00:08:50,240 Speaker 3: Mess of them all? Uh? All I can think about 194 00:08:50,280 --> 00:08:54,040 Speaker 3: is Marjorie Taylor Green Right now in this moment, Cannon's 195 00:08:54,080 --> 00:08:56,760 Speaker 3: gonen messy. It's all them kids? 196 00:08:57,080 --> 00:08:59,320 Speaker 1: What about wember Wendy Williams, what about we call it Wendy? 197 00:09:00,080 --> 00:09:02,680 Speaker 2: Okay, because we know you're not messy, but it's messy 198 00:09:02,760 --> 00:09:03,679 Speaker 2: like around you know it's around it. 199 00:09:03,679 --> 00:09:04,680 Speaker 1: Okay, we can call you Wendy. 200 00:09:04,840 --> 00:09:08,199 Speaker 3: Okay, Okay, all right, Wendy says, I'm a big fan 201 00:09:08,240 --> 00:09:10,480 Speaker 3: of the podcast. Keep doing a great job. I'm a 202 00:09:10,520 --> 00:09:13,360 Speaker 3: single mom who recently went from making forty K to 203 00:09:13,480 --> 00:09:17,080 Speaker 3: one hundred K, and I'm nice and I made the 204 00:09:17,120 --> 00:09:20,440 Speaker 3: mistake of telling way too many people about my achievement, 205 00:09:20,520 --> 00:09:23,120 Speaker 3: thinking that they would be happy. Oh this is a 206 00:09:23,160 --> 00:09:29,160 Speaker 3: good one. Since then, I've had friends start counting my pockets. 207 00:09:29,760 --> 00:09:31,480 Speaker 3: One try to set me up on a date and 208 00:09:31,559 --> 00:09:35,360 Speaker 3: snapchated the guy that he could use me and several 209 00:09:35,640 --> 00:09:38,319 Speaker 3: have been asking or assuming they can have money now, 210 00:09:38,800 --> 00:09:41,440 Speaker 3: or telling me how I should spend mine. What is 211 00:09:41,480 --> 00:09:44,560 Speaker 3: the best idea to handle this scenario. My therapist said, 212 00:09:44,600 --> 00:09:46,760 Speaker 3: I should tell them that I lied about how much 213 00:09:46,800 --> 00:09:51,559 Speaker 3: I make, but I don't think that's realistic. Also, as 214 00:09:51,600 --> 00:09:54,520 Speaker 3: someone who is used to being pretty poor, what advice 215 00:09:54,559 --> 00:09:57,880 Speaker 3: do you have for a big increase in income? Okay? 216 00:09:57,880 --> 00:10:00,320 Speaker 3: These are oh man, this makes me sad. 217 00:10:00,559 --> 00:10:02,840 Speaker 1: You know, Wendy, Wendy, wend. 218 00:10:03,920 --> 00:10:08,600 Speaker 3: Yeah, you listen. I think we you made you made 219 00:10:08,640 --> 00:10:12,719 Speaker 3: an error. I think you really need to and I'm 220 00:10:12,760 --> 00:10:15,440 Speaker 3: all about salary transparents. You don't get me wrong, but 221 00:10:15,559 --> 00:10:17,760 Speaker 3: it has to be at the benefit of both people 222 00:10:17,800 --> 00:10:20,160 Speaker 3: who were finding out. So you know, like, for example, 223 00:10:20,200 --> 00:10:21,760 Speaker 3: if they can learn from you, you learn from them. 224 00:10:21,800 --> 00:10:23,240 Speaker 3: I'm trying to help you get to the next level. 225 00:10:23,280 --> 00:10:28,200 Speaker 3: There's an understanding that we're sharing compensation to Like I'm sorry, 226 00:10:28,240 --> 00:10:30,120 Speaker 3: I'm answering the question that I just asked Tiffany. I 227 00:10:30,160 --> 00:10:31,280 Speaker 3: should have shut up and let. 228 00:10:31,120 --> 00:10:36,480 Speaker 1: You it's good, No, I continue. 229 00:10:37,120 --> 00:10:37,480 Speaker 2: Just stop. 230 00:10:40,840 --> 00:10:43,560 Speaker 3: Yeah, So, I feel like in this case, both people 231 00:10:43,559 --> 00:10:46,920 Speaker 3: should be benefiting from this conversation. And when you tell 232 00:10:47,120 --> 00:10:51,400 Speaker 3: just anybody what you make you are giving them. Yeah, 233 00:10:51,440 --> 00:10:53,600 Speaker 3: you're giving them a piece of a data about yourself 234 00:10:53,640 --> 00:10:55,360 Speaker 3: that can be used against you, and you don't know 235 00:10:55,360 --> 00:10:57,640 Speaker 3: how they're going to use it. And I'm really sorry 236 00:10:57,760 --> 00:10:59,960 Speaker 3: that friends and family that you thought was it just 237 00:11:00,040 --> 00:11:02,319 Speaker 3: friends or as a family to but you know, people 238 00:11:02,920 --> 00:11:06,760 Speaker 3: in your circle that you thought would be excited for you, 239 00:11:06,760 --> 00:11:08,680 Speaker 3: you're finding out the lesson that a lot of people do, 240 00:11:08,760 --> 00:11:12,280 Speaker 3: which is that people have a hard time and they're humans, right, 241 00:11:12,280 --> 00:11:14,199 Speaker 3: so you can't really blame them so much, but they 242 00:11:14,200 --> 00:11:17,080 Speaker 3: have a hard time feeling excited because of the comparison 243 00:11:17,120 --> 00:11:19,960 Speaker 3: thing that they're immediately going to do to what they're earning, 244 00:11:20,320 --> 00:11:23,160 Speaker 3: and because they may feel, you know, insecure about where 245 00:11:23,200 --> 00:11:25,400 Speaker 3: they're at in their life, they may lash out and 246 00:11:25,440 --> 00:11:29,319 Speaker 3: project and cause you problems because they can't stand they 247 00:11:29,360 --> 00:11:32,680 Speaker 3: really don't like the idea that you're doing better than them. So, yeah, 248 00:11:32,679 --> 00:11:35,520 Speaker 3: it's a good lesson for in salary transparency and all 249 00:11:35,520 --> 00:11:39,080 Speaker 3: this talk that especially I do about you know, being 250 00:11:39,120 --> 00:11:42,680 Speaker 3: open about sharing your salary with other people. It's important 251 00:11:42,679 --> 00:11:44,760 Speaker 3: because I think that that is how we can create 252 00:11:44,760 --> 00:11:49,240 Speaker 3: a more equitable space. But do it with people who 253 00:11:49,480 --> 00:11:52,600 Speaker 3: like there's a mutual benefit you know people in your industry, 254 00:11:52,800 --> 00:11:55,520 Speaker 3: someone who you're trying to help level up, someone who's 255 00:11:55,520 --> 00:11:57,520 Speaker 3: trying to help you level up, who's like a little 256 00:11:57,520 --> 00:12:00,600 Speaker 3: bit more you know, advanced than you, someone who's you know, 257 00:12:00,679 --> 00:12:02,520 Speaker 3: in the same space you are, and you're just trying 258 00:12:02,559 --> 00:12:05,040 Speaker 3: to like, you know, get a sense of what to charge. 259 00:12:05,679 --> 00:12:08,280 Speaker 3: A good example is I just got invited by a 260 00:12:08,320 --> 00:12:10,720 Speaker 3: brand to do an event, and I know a friend 261 00:12:10,760 --> 00:12:14,240 Speaker 3: of mine also was invited, and I slid into her 262 00:12:14,360 --> 00:12:19,000 Speaker 3: DMS to ask her how the negotiations went because I 263 00:12:19,120 --> 00:12:22,720 Speaker 3: was having a you know, an interesting experience, and you know, 264 00:12:22,840 --> 00:12:25,720 Speaker 3: she let me know how hers went. And yeah, it's 265 00:12:25,720 --> 00:12:28,480 Speaker 3: just it's that's different. I'm not going to get a 266 00:12:28,480 --> 00:12:31,120 Speaker 3: brand deal and then just like go tell everybody and 267 00:12:31,360 --> 00:12:34,080 Speaker 3: you know how much I'm making off of this or that. 268 00:12:34,120 --> 00:12:37,160 Speaker 3: And the third end, yeah, it's people do not always 269 00:12:37,160 --> 00:12:38,959 Speaker 3: have your best interests at Heartwindy. 270 00:12:40,000 --> 00:12:40,480 Speaker 1: Yeah. 271 00:12:40,520 --> 00:12:43,000 Speaker 2: And I'll say, like, one, I never thought about that 272 00:12:43,000 --> 00:12:44,719 Speaker 2: that when you're sharing that was like a really good 273 00:12:44,720 --> 00:12:46,880 Speaker 2: perspective that like does it benefit both people. 274 00:12:46,920 --> 00:12:48,080 Speaker 1: I never thought about that. 275 00:12:48,679 --> 00:12:53,160 Speaker 2: You know. One, I have to say, girl, this person 276 00:12:53,200 --> 00:12:55,200 Speaker 2: to try to set you up to have this date, 277 00:12:55,280 --> 00:12:59,480 Speaker 2: run your pockets I hope you block them expeditiously. 278 00:13:00,640 --> 00:13:02,640 Speaker 3: Yeah, is that like the girl who had her what 279 00:13:02,679 --> 00:13:05,640 Speaker 3: are those ugly shoes? Would make your toes look like 280 00:13:05,640 --> 00:13:06,480 Speaker 3: a ninja turtle? 281 00:13:06,960 --> 00:13:08,559 Speaker 1: And then the guy stole them and gave it to 282 00:13:08,600 --> 00:13:09,160 Speaker 1: his girlfriend. 283 00:13:09,400 --> 00:13:11,959 Speaker 3: Yes, the guy stole the shoes on the date. That's 284 00:13:12,080 --> 00:13:15,000 Speaker 3: like what like was he told, Hey, that girl's got 285 00:13:15,000 --> 00:13:17,480 Speaker 3: these fancy shoes, you should ask her out, and then 286 00:13:17,480 --> 00:13:19,800 Speaker 3: he like ripped her off and stole her shoes. Anyway, 287 00:13:19,840 --> 00:13:20,640 Speaker 3: I'm just thinking, well, I. 288 00:13:20,600 --> 00:13:22,000 Speaker 1: Don't know them, well, I don't. 289 00:13:22,160 --> 00:13:22,439 Speaker 2: I don't know. 290 00:13:22,440 --> 00:13:22,880 Speaker 1: I don't think so. 291 00:13:22,920 --> 00:13:24,360 Speaker 2: I think she met him on Hinge in one of 292 00:13:24,400 --> 00:13:26,920 Speaker 2: these dating amps, and you know, they went home and 293 00:13:27,200 --> 00:13:28,839 Speaker 2: he was like, oh, my girl been talking about the 294 00:13:28,960 --> 00:13:32,320 Speaker 2: ugly shoes and stole them, which is so the ghetto. 295 00:13:32,800 --> 00:13:36,200 Speaker 2: I mean, first of all, though, I have questions about 296 00:13:36,200 --> 00:13:39,400 Speaker 2: the girlfriend. If your man brings home these shoes, no box, 297 00:13:39,440 --> 00:13:43,440 Speaker 2: no nothing like, sir, where did you get these from? 298 00:13:43,920 --> 00:13:44,599 Speaker 3: Yeah? 299 00:13:44,600 --> 00:13:46,240 Speaker 1: And then when he asked you for them back, you 300 00:13:46,280 --> 00:13:47,920 Speaker 1: weren't like, bruh, what was happening? 301 00:13:48,240 --> 00:13:51,319 Speaker 3: And there's no little plastic tech connecting the marshals. When 302 00:13:51,320 --> 00:13:55,240 Speaker 3: you get a great brand for less, I mean, no box. 303 00:13:55,880 --> 00:13:59,680 Speaker 2: We saw Wendy. We we so one that person that 304 00:13:59,720 --> 00:14:01,840 Speaker 2: tried to set you up. I mean, I would hope 305 00:14:02,360 --> 00:14:04,640 Speaker 2: there's no second. We're not we don't have to spend 306 00:14:04,679 --> 00:14:06,719 Speaker 2: the block. Since it's done, we're not talking anymore. You're 307 00:14:06,720 --> 00:14:10,600 Speaker 2: not my friend. That's terrible. Like you know, like, hey, 308 00:14:10,880 --> 00:14:13,000 Speaker 2: date my friend. You can use them for money because 309 00:14:13,040 --> 00:14:16,120 Speaker 2: she makes good money. It's one thing. Sometimes friends will 310 00:14:16,120 --> 00:14:17,360 Speaker 2: certainly be like, ooh, this is my friend. 311 00:14:17,400 --> 00:14:19,320 Speaker 1: They have a good job. Da da dada. That's one thing. 312 00:14:19,600 --> 00:14:22,920 Speaker 2: But like you specifically said, she snapchatted them to say 313 00:14:23,960 --> 00:14:28,480 Speaker 2: he could use you child, you know. And yeah, as 314 00:14:28,480 --> 00:14:32,840 Speaker 2: far as because I'm like, I don't your therapists suggesting 315 00:14:32,880 --> 00:14:33,280 Speaker 2: that you lie. 316 00:14:33,320 --> 00:14:37,600 Speaker 1: I'm like, girl, I don't know the damage. 317 00:14:38,720 --> 00:14:42,560 Speaker 2: I just don't know that. That's I'm not a therapist. 318 00:14:42,640 --> 00:14:44,800 Speaker 2: So therapists. Maybe way in did we ever encourage people 319 00:14:44,840 --> 00:14:47,720 Speaker 2: to lie? I guess so maybe for safety for sure, 320 00:14:47,760 --> 00:14:49,200 Speaker 2: like you know, you have an abusive husband or something 321 00:14:49,240 --> 00:14:52,880 Speaker 2: like that, certainly, But I just feel like this might 322 00:14:52,920 --> 00:14:55,600 Speaker 2: be a good time to kind of like reset friendships 323 00:14:55,920 --> 00:14:58,560 Speaker 2: because this is like, you know, there are certain things 324 00:14:58,600 --> 00:15:01,600 Speaker 2: that like highlight who you really who you work with. 325 00:15:01,720 --> 00:15:05,880 Speaker 2: Basically and friends that are going to not respect the 326 00:15:05,920 --> 00:15:08,080 Speaker 2: boundary and say, hey, honestly, it makes me feel uncomfortable 327 00:15:08,080 --> 00:15:11,560 Speaker 2: when you X y Z. If a friend can't respect 328 00:15:11,600 --> 00:15:14,200 Speaker 2: the new boundary that you're setting, then it's like, it's good, 329 00:15:14,240 --> 00:15:17,120 Speaker 2: thank you for showing me, because I certainly, as my 330 00:15:17,200 --> 00:15:20,240 Speaker 2: business has done better, it helped to reveal some people 331 00:15:20,280 --> 00:15:22,240 Speaker 2: that when I was a preschool teacher, it was all 332 00:15:22,280 --> 00:15:24,040 Speaker 2: good and as I did better, even just from when 333 00:15:24,080 --> 00:15:26,000 Speaker 2: I moved to the Halfway Hood when I was living 334 00:15:26,040 --> 00:15:28,840 Speaker 2: in you know, like with Jarell and like the Halfway 335 00:15:28,840 --> 00:15:31,680 Speaker 2: Hood versus when I bought my house, you know, like 336 00:15:31,720 --> 00:15:33,880 Speaker 2: the difference when people came over and the look on 337 00:15:33,920 --> 00:15:36,480 Speaker 2: their faces. There are people who literally just stopped coming over. 338 00:15:37,200 --> 00:15:40,240 Speaker 2: And I just remember being like, oh, but I didn't 339 00:15:40,280 --> 00:15:43,040 Speaker 2: mind it because it was like better to know that, 340 00:15:43,120 --> 00:15:45,520 Speaker 2: you know that we're not aligned, you know, and not 341 00:15:45,560 --> 00:15:49,200 Speaker 2: because I'm making more but something you know, You're just 342 00:15:49,240 --> 00:15:51,720 Speaker 2: we're just not aligned anymore. So I don't know about lying, 343 00:15:52,120 --> 00:15:55,160 Speaker 2: but certainly setting new boundaries with the people in your 344 00:15:55,200 --> 00:15:59,120 Speaker 2: life and they don't respect those boundaries, you know, realigning 345 00:15:59,160 --> 00:16:02,120 Speaker 2: with other people who do. And so let's talk about 346 00:16:02,120 --> 00:16:04,240 Speaker 2: the money part. Though, which is the exciting part. First 347 00:16:04,240 --> 00:16:06,320 Speaker 2: of all, girls, do we even take congratulations because that's. 348 00:16:06,360 --> 00:16:09,960 Speaker 3: Huge relations Oh yeah, I mean you double. 349 00:16:09,840 --> 00:16:12,760 Speaker 1: Just downis I hope you like that's it. 350 00:16:12,800 --> 00:16:14,440 Speaker 2: I can understand why you want to tell the world 351 00:16:14,480 --> 00:16:17,160 Speaker 2: because it's like that's incredible, that's life changing. 352 00:16:16,920 --> 00:16:17,640 Speaker 1: For you and your baby. 353 00:16:18,080 --> 00:16:19,120 Speaker 3: Yeah, you know. So. 354 00:16:19,280 --> 00:16:23,200 Speaker 2: One, I hope you are maxing out your retirement accounts 355 00:16:23,200 --> 00:16:25,720 Speaker 2: because you ain't had that money before, you know, so 356 00:16:25,760 --> 00:16:27,960 Speaker 2: you have the opportunity to max out your retirement accounts, 357 00:16:28,000 --> 00:16:31,240 Speaker 2: you know. So One, I would like make make that 358 00:16:31,280 --> 00:16:33,800 Speaker 2: my focus. I'm going to max have retirement accounts. Two 359 00:16:34,400 --> 00:16:35,920 Speaker 2: I would be thinking about what does it look like 360 00:16:35,960 --> 00:16:38,280 Speaker 2: as far as, like, you know, maybe increasing what I'm 361 00:16:38,280 --> 00:16:41,160 Speaker 2: putting toward debt. Three I would be setting aside for 362 00:16:41,280 --> 00:16:45,160 Speaker 2: a cost of living increase, but not I'm making forty, 363 00:16:45,600 --> 00:16:47,480 Speaker 2: I'm living at this now, I'm making a hundred. I'm 364 00:16:47,520 --> 00:16:50,800 Speaker 2: living at a hundred. It's I'm living at minus my 365 00:16:51,800 --> 00:16:54,560 Speaker 2: retirement account max out minus increasing a little bit what 366 00:16:54,680 --> 00:16:57,880 Speaker 2: I put toward debt minus increasing savings. When that's all 367 00:16:57,920 --> 00:17:00,080 Speaker 2: said and done, then I can do a cost of 368 00:16:59,840 --> 00:17:03,040 Speaker 2: life increase. So maybe it looks more like you're living 369 00:17:03,120 --> 00:17:06,160 Speaker 2: at like sixty now instead of forty certainly not one hundred, 370 00:17:06,200 --> 00:17:06,920 Speaker 2: if that makes sense. 371 00:17:07,920 --> 00:17:08,960 Speaker 1: Also I would I. 372 00:17:08,880 --> 00:17:10,159 Speaker 3: Wouldn't ain't gonna let you do that. 373 00:17:10,880 --> 00:17:13,240 Speaker 2: But you know what I like first and foremost, whatever 374 00:17:13,280 --> 00:17:15,480 Speaker 2: like big money comes in, I always have like, okay, 375 00:17:16,040 --> 00:17:16,919 Speaker 2: what is retirement? 376 00:17:17,320 --> 00:17:18,680 Speaker 1: What is debt? I don't have any deb anymore, but 377 00:17:18,720 --> 00:17:20,720 Speaker 1: at the time, what is debt? What is savings? 378 00:17:20,720 --> 00:17:23,520 Speaker 2: Once those are then if there's money, as there's money 379 00:17:23,600 --> 00:17:25,600 Speaker 2: left over, then then I use that as like. 380 00:17:25,640 --> 00:17:26,879 Speaker 1: How can I make my life better? 381 00:17:27,040 --> 00:17:28,720 Speaker 2: And I think if you think about it that way, 382 00:17:29,000 --> 00:17:33,520 Speaker 2: it'll allow you to always live relatively safely below your means, 383 00:17:33,560 --> 00:17:35,320 Speaker 2: but in a way that you still get to enjoy 384 00:17:35,320 --> 00:17:38,520 Speaker 2: a better life, but one that you can maintain, you know. 385 00:17:38,600 --> 00:17:41,359 Speaker 2: So that's what I would be thinking about. But yes, congratulations, 386 00:17:41,440 --> 00:17:43,240 Speaker 2: Like that's amazing. 387 00:17:43,920 --> 00:17:46,760 Speaker 3: And I don't want your friend's reaction to take away 388 00:17:46,760 --> 00:17:49,760 Speaker 3: from yeah, that feeling of I did this for me 389 00:17:49,880 --> 00:17:52,600 Speaker 3: and my child because as a single mom, Like thanks 390 00:17:52,600 --> 00:17:55,159 Speaker 3: for reminding me I forgot you was a single mom. Yes, 391 00:17:55,800 --> 00:18:00,440 Speaker 3: that is life changing and I hope that And also, 392 00:18:00,520 --> 00:18:02,720 Speaker 3: you know the thing about knowing someone's salary without any 393 00:18:02,760 --> 00:18:06,160 Speaker 3: context is like one hundred k where because one hundred 394 00:18:06,200 --> 00:18:09,720 Speaker 3: k in New York. I'm sorry, even if you're by 395 00:18:09,760 --> 00:18:11,639 Speaker 3: your like if you're a dual income you're making a 396 00:18:11,760 --> 00:18:14,639 Speaker 3: hundred or you're by yourself, you're not living large, no, 397 00:18:14,960 --> 00:18:17,879 Speaker 3: like your paycheck to paycheck. Yes, it's just true, you know. 398 00:18:18,000 --> 00:18:19,960 Speaker 3: That's that's the sad truth about a lot of places. 399 00:18:19,960 --> 00:18:22,760 Speaker 3: And it's not just New York, you know, even in Atlanta. 400 00:18:22,800 --> 00:18:25,720 Speaker 3: I feel like that would be tough or Charlotte or anyway. 401 00:18:25,800 --> 00:18:28,960 Speaker 3: So I'm just saying without context. So that's another reason 402 00:18:28,960 --> 00:18:32,160 Speaker 3: to keep you know, your salary private, not telling everyone 403 00:18:32,280 --> 00:18:36,000 Speaker 3: is because without any context for your lifestyle, the cost 404 00:18:36,000 --> 00:18:38,760 Speaker 3: of what it takes. Listen, childcare alone can shout out 405 00:18:38,800 --> 00:18:41,920 Speaker 3: that paycheck real quick, real quick. And I wouldn't be 406 00:18:41,960 --> 00:18:43,600 Speaker 3: surprised if you were, Like I would put my baby 407 00:18:43,600 --> 00:18:45,600 Speaker 3: in a better daycare and all of a sudden, where 408 00:18:45,600 --> 00:18:50,560 Speaker 3: the money go? Where my sixty thousand dollars rates go? Yeah, 409 00:18:50,600 --> 00:18:52,920 Speaker 3: So anyway, you don't want to trust people who don't 410 00:18:53,080 --> 00:18:55,119 Speaker 3: who don't who can't think of money and understand it 411 00:18:55,200 --> 00:18:58,560 Speaker 3: like that With that information, yeah, I'm excited for you. 412 00:18:58,560 --> 00:19:00,280 Speaker 3: And I was just gonna say that the one of 413 00:19:00,320 --> 00:19:04,080 Speaker 3: the most powerful things I did back when I had 414 00:19:04,080 --> 00:19:06,920 Speaker 3: more of a predictable income with my you know, my 415 00:19:06,920 --> 00:19:10,399 Speaker 3: my bi weekly paycheck and stuff, is I automated everything, 416 00:19:10,440 --> 00:19:12,920 Speaker 3: like Tiff was saying, like I automated my retirement, automated 417 00:19:12,960 --> 00:19:14,600 Speaker 3: my how much was going to go to savings because 418 00:19:14,640 --> 00:19:16,240 Speaker 3: I knew what I was going to make every two weeks, 419 00:19:16,800 --> 00:19:20,639 Speaker 3: automated what went where, and then everything that hit my 420 00:19:20,720 --> 00:19:23,880 Speaker 3: checking account, I knew I could spend it, and it 421 00:19:23,920 --> 00:19:27,200 Speaker 3: made me. It made it so much simpler that way, 422 00:19:28,000 --> 00:19:30,240 Speaker 3: and for you too, so I but I just made 423 00:19:30,240 --> 00:19:32,720 Speaker 3: sure that I had set aside the money for savings 424 00:19:32,720 --> 00:19:35,879 Speaker 3: and long term things before all that, because you should 425 00:19:35,880 --> 00:19:37,320 Speaker 3: be able to enjoy and spend the money that you 426 00:19:37,359 --> 00:19:38,439 Speaker 3: earn in the way that you want to. 427 00:19:39,480 --> 00:19:41,359 Speaker 2: It's like a way that it doesn't make you feel 428 00:19:41,560 --> 00:19:43,119 Speaker 2: because when you do that, when Mandy said it like, 429 00:19:43,160 --> 00:19:45,520 Speaker 2: oh my gosh, the money that's in my checking kid, No, no, no, 430 00:19:45,760 --> 00:19:49,320 Speaker 2: because guess what retirement funded debt being paid off? 431 00:19:49,440 --> 00:19:53,199 Speaker 1: Saving save this money? It's my money. 432 00:19:53,240 --> 00:19:54,959 Speaker 2: So like then it feels really good that you can 433 00:19:55,000 --> 00:19:59,000 Speaker 2: actually enjoy the money versus like wondering. So yes, add 434 00:19:59,000 --> 00:20:00,960 Speaker 2: automation to that mix of those three things. If you 435 00:20:01,000 --> 00:20:04,560 Speaker 2: do those things, yeah, and honestly you're just gonna you know, 436 00:20:04,760 --> 00:20:07,359 Speaker 2: like it's different. Like like you said friends, you didn't 437 00:20:07,359 --> 00:20:09,440 Speaker 2: say family, because sometimes it's hard as your mom, your dad, 438 00:20:09,440 --> 00:20:14,600 Speaker 2: it's it's hard. But Frand's child. No, like you know, 439 00:20:14,720 --> 00:20:17,040 Speaker 2: like I'm not saying that you can't lend friends money 440 00:20:17,040 --> 00:20:19,080 Speaker 2: here and there, but a lesson that my friend Cabrel 441 00:20:19,160 --> 00:20:21,119 Speaker 2: did teach me if you are thinking about lending from 442 00:20:21,160 --> 00:20:22,399 Speaker 2: here and there, because you might have a friend that 443 00:20:22,440 --> 00:20:23,600 Speaker 2: you're like, she was there for me. 444 00:20:23,640 --> 00:20:24,600 Speaker 1: I want to be there for her. 445 00:20:25,119 --> 00:20:26,840 Speaker 2: The first thing he always asked me when I'm like 446 00:20:26,880 --> 00:20:28,720 Speaker 2: something such just such asked me to borrow money. I 447 00:20:28,720 --> 00:20:32,800 Speaker 2: remember one time he asked me, will it solve the problem, Tiffany. So, 448 00:20:33,000 --> 00:20:37,640 Speaker 2: for example, one time somebody was like, Hey, I'm late 449 00:20:37,680 --> 00:20:40,400 Speaker 2: and behind on my mortgage. Can you loan me, say, 450 00:20:40,440 --> 00:20:43,560 Speaker 2: like seven hundred dollars? So and I said, in my head, 451 00:20:43,920 --> 00:20:46,000 Speaker 2: I asked, because I thought to myself, will it solve 452 00:20:46,000 --> 00:20:48,720 Speaker 2: the problem? Meaning like if I give you this seven 453 00:20:48,840 --> 00:20:52,879 Speaker 2: hundred dollars this month, like what happens next month? And 454 00:20:52,920 --> 00:20:55,080 Speaker 2: I said that, like, so I know you don't have 455 00:20:55,119 --> 00:20:57,120 Speaker 2: your mortgage money for mortgage because you don't have a. 456 00:20:57,119 --> 00:20:59,639 Speaker 1: Job right now. So what happens next month? Oh, I 457 00:20:59,640 --> 00:20:59,840 Speaker 1: don't know. 458 00:20:59,840 --> 00:21:01,480 Speaker 2: I'm gonna have to think about the next month. Well, 459 00:21:01,480 --> 00:21:03,840 Speaker 2: then that means this money doesn't all the problem. That 460 00:21:04,119 --> 00:21:06,320 Speaker 2: means we're throwing seven hundred dollars into a hole for 461 00:21:06,400 --> 00:21:08,880 Speaker 2: a house that you're likely to use money gone. Now 462 00:21:08,920 --> 00:21:11,960 Speaker 2: it's another thing if you're like, hey, Tiffany, you know, 463 00:21:12,040 --> 00:21:14,240 Speaker 2: like I want to borrow money because I have a 464 00:21:14,320 --> 00:21:16,199 Speaker 2: thousand dollars left to pay a down pay off my 465 00:21:16,240 --> 00:21:18,040 Speaker 2: car and then I'm car note free and I'll be 466 00:21:18,080 --> 00:21:20,520 Speaker 2: able to pay you back incrementally, you know, the three 467 00:21:20,560 --> 00:21:22,000 Speaker 2: months I used to pay my car note. 468 00:21:22,160 --> 00:21:25,240 Speaker 1: That solves the problem because it's like you purchase the car. 469 00:21:25,359 --> 00:21:26,600 Speaker 1: The car is purchased, it belongs to you. 470 00:21:26,520 --> 00:21:28,400 Speaker 2: You can pay me two hundred bucks a month until 471 00:21:28,520 --> 00:21:31,000 Speaker 2: you're paid off in five months with me. So I 472 00:21:31,040 --> 00:21:33,719 Speaker 2: think about that always that like you don't ever have 473 00:21:33,760 --> 00:21:36,719 Speaker 2: to land. But if I do even consider lending, I 474 00:21:36,760 --> 00:21:39,919 Speaker 2: always ask myself, will this solve the problem or is 475 00:21:39,960 --> 00:21:42,720 Speaker 2: this just the delay and I'm throwing good money after 476 00:21:42,760 --> 00:21:45,080 Speaker 2: something bad? You know, So just keep that in mind too, 477 00:21:45,320 --> 00:21:47,120 Speaker 2: as your friends kind of dig in your pockets. 478 00:21:48,080 --> 00:21:51,359 Speaker 3: But in your case, protect yourself and your and your child. 479 00:21:51,680 --> 00:21:56,040 Speaker 3: That's that's good money. But not give money to everybody 480 00:21:56,080 --> 00:21:58,359 Speaker 3: who you know is going to ask you for They 481 00:21:58,400 --> 00:22:00,080 Speaker 3: may think that you have money, but you have to 482 00:22:00,119 --> 00:22:03,760 Speaker 3: be firm in knowing what your goals are. And I 483 00:22:03,760 --> 00:22:07,400 Speaker 3: think it's even more important important to protect yourself so 484 00:22:07,440 --> 00:22:09,720 Speaker 3: that everything is paid first, Like you pay yourself, you 485 00:22:09,720 --> 00:22:12,080 Speaker 3: save for retirement, for everything that you need long term, 486 00:22:12,119 --> 00:22:13,920 Speaker 3: and then with your leftover money if you want to 487 00:22:13,920 --> 00:22:17,560 Speaker 3: give them away or whatever, fine, but get clear on 488 00:22:17,760 --> 00:22:21,720 Speaker 3: like what is gonna bring value to you, enjoy for 489 00:22:21,760 --> 00:22:24,760 Speaker 3: you and your child. And I would spend money there first. 490 00:22:25,040 --> 00:22:30,439 Speaker 2: Yeah, absolutely, well girl, Wendy girl, child the ghetto, not 491 00:22:30,440 --> 00:22:31,560 Speaker 2: even trying to set you up. 492 00:22:32,040 --> 00:22:33,800 Speaker 1: I don't even fight and I want to throw hands 493 00:22:34,560 --> 00:22:38,080 Speaker 1: to use me use for what can you imagine? Mayby, 494 00:22:38,119 --> 00:22:39,480 Speaker 1: have you ever been in a physical fight. 495 00:22:40,960 --> 00:22:43,200 Speaker 3: With someone not my brothers or some now. 496 00:22:43,320 --> 00:22:45,040 Speaker 1: Like you're like you know, like a like a at 497 00:22:45,040 --> 00:22:45,880 Speaker 1: school or whatever, So. 498 00:22:45,840 --> 00:22:48,040 Speaker 3: You want to Yeah, when I was in like I 499 00:22:48,119 --> 00:22:50,520 Speaker 3: used to have to defend my little brother. You guys 500 00:22:50,520 --> 00:22:52,639 Speaker 3: met him on a couple of podcasts. Good he has 501 00:22:52,640 --> 00:22:54,919 Speaker 3: a big mouth. He always has, so I used to 502 00:22:54,960 --> 00:22:56,840 Speaker 3: fight his battles for him until I learned to use 503 00:22:56,840 --> 00:22:58,359 Speaker 3: my whiplash. 504 00:22:58,560 --> 00:23:04,040 Speaker 2: Really, I can't my saber toothed girl because we don't 505 00:23:04,040 --> 00:23:04,600 Speaker 2: have hands. 506 00:23:05,160 --> 00:23:07,679 Speaker 1: I don't have hands like I yea. 507 00:23:07,920 --> 00:23:10,800 Speaker 3: I definitely. That was like in elementary school, I thought 508 00:23:11,080 --> 00:23:13,520 Speaker 3: like little boys in the playground who would tease me? 509 00:23:13,520 --> 00:23:14,720 Speaker 1: Man, he was like, it's what's up? 510 00:23:17,480 --> 00:23:19,800 Speaker 3: It was? It was it was like Lord of the 511 00:23:19,800 --> 00:23:22,520 Speaker 3: Flies at my house sometimes on a vacation. Okay, so 512 00:23:23,320 --> 00:23:25,679 Speaker 3: but now no. 513 00:23:24,840 --> 00:23:25,639 Speaker 1: No, of course, not now. 514 00:23:25,640 --> 00:23:27,600 Speaker 2: But I'm just thinking of it because I've never like outside 515 00:23:27,600 --> 00:23:29,080 Speaker 2: of like my sisters, of course, because you know, you're 516 00:23:29,119 --> 00:23:29,560 Speaker 2: just tussling. 517 00:23:29,800 --> 00:23:31,240 Speaker 1: But I was like, you know, I was never a fighter. 518 00:23:31,280 --> 00:23:32,360 Speaker 1: I was I'm not gonna lie. I was a big 519 00:23:32,400 --> 00:23:34,359 Speaker 1: scaredy caid. So I'm talking about I'm gonna throw hands, 520 00:23:34,359 --> 00:23:38,040 Speaker 1: girl aware in the air, like they don't care, like 521 00:23:38,119 --> 00:23:42,359 Speaker 1: I don't. I am the biggest of punks. Okay. 522 00:23:42,480 --> 00:23:44,760 Speaker 2: So I'm like I used to my best friend Veronica 523 00:23:44,840 --> 00:23:48,280 Speaker 2: was half my size. She was like five zero, and 524 00:23:48,320 --> 00:23:49,960 Speaker 2: like I'm like, let me go get Veronica because y'all 525 00:23:50,000 --> 00:23:50,399 Speaker 2: play with me. 526 00:23:53,359 --> 00:23:57,320 Speaker 3: And so my little brother till my big sister, here's 527 00:23:57,359 --> 00:23:57,920 Speaker 3: what you said. 528 00:24:00,480 --> 00:24:01,879 Speaker 1: No, but I love that. I just was curious. I'm like, 529 00:24:01,880 --> 00:24:03,919 Speaker 1: does May did maybe ever tussle in her youth? In 530 00:24:03,960 --> 00:24:04,600 Speaker 1: her youth. 531 00:24:06,240 --> 00:24:06,760 Speaker 3: Charge your book? 532 00:24:07,160 --> 00:24:08,560 Speaker 2: I don't want to that. What that means is, see, 533 00:24:08,560 --> 00:24:10,040 Speaker 2: I'm gonna talk big talk now because y'all don't know. 534 00:24:10,040 --> 00:24:11,479 Speaker 2: I don't fight that. What that means is don't roll 535 00:24:11,560 --> 00:24:14,119 Speaker 2: up on riding bishing in the streets. Okay, that's what 536 00:24:14,160 --> 00:24:17,119 Speaker 2: that means, because you know I don't have hands but 537 00:24:17,160 --> 00:24:19,000 Speaker 2: I will call the police. And you know, Mandy, my 538 00:24:19,119 --> 00:24:22,600 Speaker 2: resurrec you know handsy, Mandra. 539 00:24:24,080 --> 00:24:26,040 Speaker 3: I'll tell you at the time I attacked the little 540 00:24:26,119 --> 00:24:28,920 Speaker 3: kid with fire ants for my little brothers uh, for 541 00:24:29,080 --> 00:24:31,000 Speaker 3: my little brother, yeah, because he can't for my little brother. 542 00:24:31,480 --> 00:24:34,159 Speaker 3: You know who you are, And I'm sorry. That was 543 00:24:34,320 --> 00:24:37,119 Speaker 3: not nice for me to put your backpack in a 544 00:24:37,280 --> 00:24:40,160 Speaker 3: fire ant. Hell, if you're from Georgia, these New Yorkers, 545 00:24:40,240 --> 00:24:44,359 Speaker 3: you don't know about fire ants up here, Yo, that 546 00:24:44,440 --> 00:24:46,159 Speaker 3: could have got me some prison time. I feel like 547 00:24:46,200 --> 00:24:48,160 Speaker 3: if I was an adult, that's assault. 548 00:24:48,720 --> 00:24:55,359 Speaker 1: Anyway. We'll see you guys next week. B a q A, Okay, bye, y'all.