Speaker 1: It's time for the b a q a A b
Speaker 1: a q A What you say?
Speaker 2: The b a q eight with Mandad, the b a
Speaker 2: q eight with Tiffin, the b a q a.
Speaker 3: A What's up? Be a fam Welcome to b a q.
Speaker 2: A word your favorite brown girlies answer your business, career,
Speaker 2: personal finance questions. But we are not your mama. We
Speaker 2: are not your doctor, your attorney, your financial advisor.
Speaker 1: We are just.
Speaker 2: Merely your fave non related financial girly cousins who are
Speaker 2: really smart and.
Speaker 1: C or whatever.
Speaker 2: But we want you to tap into the people that
Speaker 2: you do pay for advice. So you take us with
Speaker 2: the smallest grand of salt.
Speaker 1: Okay, okay. If you have a question, though, you can
Speaker 1: ask us.
Speaker 2: Go to Bran and Bits from podcast dot com, click
Speaker 2: contact us, sign to the d MS on Insta, Brianna
Speaker 2: bis and podcast, the BA podcast on Twitter, and Bradnavision
Speaker 2: Podcasts at gmail dot com. Zuck, all right, Mandra, you
Speaker 2: wanna which one you want to go to? Be one
Speaker 2: first or you want to do the second one. The
Speaker 2: second one is kind of messy, honey, you failing messy?
Speaker 2: Are you feeling inspirational?
Speaker 1: Ooh, I'm kind of feeling messy. Okay, okay, I'll start
Speaker 1: with inspiration.
Speaker 2: Okay, okay, okay, this is from Well. You didn't say
Speaker 2: your name, so we're gonna call you jam Rock because
Speaker 2: you live in Jamaica, which I love. Ooh, good nights.
Speaker 2: I love this West thingda is why y'all do that?
Speaker 2: Good night, Hope all as well? You know how you
Speaker 2: know they answer the phone good night, good day. I
Speaker 2: love it anyway, good manners, good night Hope all is well.
Speaker 2: I have a question. How do you know when you're
Speaker 2: ready for your next big financial step. I'm looking to
Speaker 2: either attain a home or car or car, however, the
Speaker 2: home is the higher priority. Currently I have no loans,
Speaker 2: student loans paid off, or debt okay, Jamaica, I'm also
Speaker 2: investing in have savings. Sending love from Jamaica. First of all,
Speaker 2: jam Rock, we.
Speaker 1: Love this for you.
Speaker 3: I love it.
Speaker 2: We love this for you that you are in a
Speaker 2: position where, like you know, no dead, you have savings
Speaker 2: and so this is more like a mental shift. So
Speaker 2: how like Mandy, when you are you know, like when
Speaker 2: you before you bought the house with Enrique even I
Speaker 2: remember when you guys were contemplating the tesla, like what
Speaker 2: is the mindset shift that you like tussle with in
Speaker 2: order to make those changes, those financial changes?
Speaker 3: How do I get my husband to agree with me?
Speaker 3: It sucks when you have to make big financial decisions
Speaker 3: as a unit because we each may have different ideas
Speaker 3: of one what ready is? And I feel like the
Speaker 3: first thing is if you're by yourself and it's just you,
Speaker 3: yourself and you, that almost makes things easier. I don't
Speaker 3: know if you have a family, but as far as
Speaker 3: like when are you ready for the move? The beautiful
Speaker 3: thing is that you've created a space where you are
Speaker 3: financially prepared. I think for you, it's like, let's take
Speaker 3: the next steps to find out what would that look
Speaker 3: like for you. Do you know where you want to
Speaker 3: have a house? Do you know what your budget would be?
Speaker 3: Do you know the process for getting a mortgage? I
Speaker 3: don't know what that's like in Jamaica. If that's brings
Speaker 3: for Jamaica, mm hmm, yeah, Like what would that process
Speaker 3: look like for you? And then you know, I don't
Speaker 3: feel like it's a It doesn't also doesn't have to
Speaker 3: It may not have to be a house or car,
Speaker 3: but which one serves you in your lifestyle? Right now,
Speaker 3: Renting is fine, Renting is cute. You want to have
Speaker 3: a nice car and keep renting, that's you know, you
Speaker 3: can do your thing. But you know, if you decide
Speaker 3: you one person you want to like invest in some property,
Speaker 3: then that can be the better decision. But I think
Speaker 3: it's just about you not getting stuck at analysis analysis
Speaker 3: paralysis and actually like thinking through what the next steps
Speaker 3: would look like for you in either scenario. And I
Speaker 3: feel like the house is the big one that is
Speaker 3: going to take more than just going to a dealership.
Speaker 3: Right yeah. Yeah. If I was on my own, husby
Speaker 3: is currently fighting about car number two. I'm thinking I'm
Speaker 3: a long term person. I I don't really care about
Speaker 3: cars so much. I know that there's plenty of households
Speaker 3: in America that have two kids and one car and
Speaker 3: they're doing just fine. I was one of those households
Speaker 3: for a long time. We were doing just fine. It
Speaker 3: would be more convenient, sure, but I'm doing just fine.
Speaker 3: So for me, I'm able to be like, Eh, car
Speaker 3: not so much. Let's like focus long term on our
Speaker 3: next property. Okay, but we're just at a stalemate right now.
Speaker 1: But we're saving for a thing. We just don't have
Speaker 1: integrated on what the thing is.
Speaker 3: You know.
Speaker 2: I love that, So maybe that's part of the advice too,
Speaker 2: is like, you know, even if you haven't decided which
Speaker 2: is going to be the thing, continue to save and
Speaker 2: just say this is my savings for a call it
Speaker 2: big goal, you know. And I don't know how it
Speaker 2: is in Jamaica. But here in USA, USA, as my
Speaker 2: cousin would call cousins would call it. In Nigeria, we're
Speaker 2: an USA. If you purchase a car and you get
Speaker 2: that you finance the car, it will prohibit you from
Speaker 2: likely getting a home for some months because they don't
Speaker 2: like to see that you recently got into new debt
Speaker 2: in order to So just I don't know what it
Speaker 2: is like in Jamaica.
Speaker 1: Maybe it's totally different.
Speaker 2: I also know in many countries, like Nigeria, for example,
Speaker 2: you buy the land first and then you actually build
Speaker 2: your home. So I don't know if it's like that
Speaker 2: in Jamaica. So what I would say is that in
Speaker 2: the United States, at least, there are classes that you
Speaker 2: can take, not so much for the car, but definitely
Speaker 2: for home ownership. So see if I don't know if
Speaker 2: your local bank offers that I don't know how it works,
Speaker 2: and jam Rock right, like, if it's if there are
Speaker 2: classes that you could take to understand the process of
Speaker 2: like what it looks like to purchase a home and
Speaker 2: what some of those expenses might be.
Speaker 1: So maybe I like to whatever.
Speaker 2: I'm trying to the shift because to me, at your core,
Speaker 2: at the core of your question, it's like, how do
Speaker 2: I make decisions or how do I make decisions when
Speaker 2: I'm ready to go to the next level financially? And
Speaker 2: first things first, I like to ask myself what's the
Speaker 2: desired outcome for me? How do I see my life?
Speaker 2: How do I want it to go. I want to
Speaker 2: be in the house, I want to have this car,
Speaker 2: I want to whatever. And then to second is I
Speaker 2: like to gather information to reach out to friends and
Speaker 2: family that own homes. Maybe I want to take a
Speaker 2: course or a class so I can start to frame
Speaker 2: my decision based upon what I want and to this
Speaker 2: additional information. And then three, there has to be a
Speaker 2: moment where you take the leap and say I'm committed
Speaker 2: to this, to this choice. But you're in a great position,
Speaker 2: So I just want to give you a round of applause,
Speaker 2: jam Rock for setting yourself up to get whatever it
Speaker 2: is that you want. There's no right or wrong however
Speaker 2: you want to rock it out, rock it out. So
Speaker 2: if you do end up buying a home in Jamaica,
Speaker 2: I'm just saying me and Mandy, would you know.
Speaker 3: To the beach? That's all I want to exactly right,
Speaker 3: because switch with my husband. His family lives in the
Speaker 3: middle of the island. Okay, Dominican Republic vacation.
Speaker 2: But no beach, they say, Now we are a.
Speaker 3: Whole separate vacation after this.
Speaker 2: But Jamaica, hoes say, is one of the most beautiful islands.
Speaker 2: I've been like a couple of times. It is so gorgeous.
Speaker 2: And you know the people that be thinking I'm jamake
Speaker 2: it anyway with my lox or whatever, you know, So
Speaker 2: you just let me know I could.
Speaker 3: I could blend right into family sidebar. You know who
Speaker 3: has the most incredible locks, Ava Duverne. Have you seen
Speaker 3: the images of her stunning looks.
Speaker 1: She's just so beautiful.
Speaker 3: I wonder how long. Yeah, it's stunning. Yeah, but thank
Speaker 3: you for your question. And just one last thing. One
Speaker 3: of those items, house or a car is an investment,
Speaker 3: is an investment. The other one typically not an investment.
Speaker 3: That's all. I'm just gonna say. It's fine. If you
Speaker 3: want to get the car, just know that you're buying
Speaker 3: a depreciating asset. The one exception is when we actually
Speaker 3: made money on our car by selling it during the pandemic.
Speaker 3: But that's because of like crazy weird economics. It really
Speaker 3: happens rarely, rarely.
Speaker 2: Yeah, must mind some classic car or something like that
Speaker 2: for a collectible.
Speaker 3: But yeah, oh this is true, this is true. Oh
Speaker 3: but night drink in the whole can of worms that
Speaker 3: I am not prepared.
Speaker 2: Now, let's just roll it on back in either way, yeah, bring,
Speaker 2: but let us know either way what you decide.
Speaker 3: Yeah, all right, jam Rock, I love that name. I
Speaker 3: know it's not your name. Okay, So I'm gonna read
Speaker 3: the next question.
Speaker 1: Well, we're gonna take a break, a busy breaks. We
Speaker 1: can pay some bills, slow all the way down your.
Speaker 2: Time.
Speaker 1: After eight years, I finally remember things too.
Speaker 3: I love it. I need you great here.
Speaker 2: All right, So we're gonna take a break, guys, and
Speaker 2: we'll be back and black and browner than ever.
Speaker 3: Okay, b a fam, We are back after our break
Speaker 3: with our second question. This one is from anonymous and
Speaker 3: Tiffany has promised me it will be.
Speaker 2: Messy, just a little messy, so we're gonna actually call you. Well,
Speaker 2: I feel like it's not fair because you're not messy,
Speaker 2: but I want a nice messy name.
Speaker 1: Like what should we call like? So that way?
Speaker 3: Mess of them all? Uh? All I can think about
Speaker 3: is Marjorie Taylor Green Right now in this moment, Cannon's
Speaker 3: gonen messy. It's all them kids?
Speaker 1: What about wember Wendy Williams, what about we call it Wendy?
Speaker 2: Okay, because we know you're not messy, but it's messy
Speaker 2: like around you know it's around it.
Speaker 1: Okay, we can call you Wendy.
Speaker 3: Okay, Okay, all right, Wendy says, I'm a big fan
Speaker 3: of the podcast. Keep doing a great job. I'm a
Speaker 3: single mom who recently went from making forty K to
Speaker 3: one hundred K, and I'm nice and I made the
Speaker 3: mistake of telling way too many people about my achievement,
Speaker 3: thinking that they would be happy. Oh this is a
Speaker 3: good one. Since then, I've had friends start counting my pockets.
Speaker 3: One try to set me up on a date and
Speaker 3: snapchated the guy that he could use me and several
Speaker 3: have been asking or assuming they can have money now,
Speaker 3: or telling me how I should spend mine. What is
Speaker 3: the best idea to handle this scenario. My therapist said,
Speaker 3: I should tell them that I lied about how much
Speaker 3: I make, but I don't think that's realistic. Also, as
Speaker 3: someone who is used to being pretty poor, what advice
Speaker 3: do you have for a big increase in income? Okay?
Speaker 3: These are oh man, this makes me sad.
Speaker 1: You know, Wendy, Wendy, wend.
Speaker 3: Yeah, you listen. I think we you made you made
Speaker 3: an error. I think you really need to and I'm
Speaker 3: all about salary transparents. You don't get me wrong, but
Speaker 3: it has to be at the benefit of both people
Speaker 3: who were finding out. So you know, like, for example,
Speaker 3: if they can learn from you, you learn from them.
Speaker 3: I'm trying to help you get to the next level.
Speaker 3: There's an understanding that we're sharing compensation to Like I'm sorry,
Speaker 3: I'm answering the question that I just asked Tiffany. I
Speaker 3: should have shut up and let.
Speaker 1: You it's good, No, I continue.
Speaker 2: Just stop.
Speaker 3: Yeah, So, I feel like in this case, both people
Speaker 3: should be benefiting from this conversation. And when you tell
Speaker 3: just anybody what you make you are giving them. Yeah,
Speaker 3: you're giving them a piece of a data about yourself
Speaker 3: that can be used against you, and you don't know
Speaker 3: how they're going to use it. And I'm really sorry
Speaker 3: that friends and family that you thought was it just
Speaker 3: friends or as a family to but you know, people
Speaker 3: in your circle that you thought would be excited for you,
Speaker 3: you're finding out the lesson that a lot of people do,
Speaker 3: which is that people have a hard time and they're humans, right,
Speaker 3: so you can't really blame them so much, but they
Speaker 3: have a hard time feeling excited because of the comparison
Speaker 3: thing that they're immediately going to do to what they're earning,
Speaker 3: and because they may feel, you know, insecure about where
Speaker 3: they're at in their life, they may lash out and
Speaker 3: project and cause you problems because they can't stand they
Speaker 3: really don't like the idea that you're doing better than them. So, yeah,
Speaker 3: it's a good lesson for in salary transparency and all
Speaker 3: this talk that especially I do about you know, being
Speaker 3: open about sharing your salary with other people. It's important
Speaker 3: because I think that that is how we can create
Speaker 3: a more equitable space. But do it with people who
Speaker 3: like there's a mutual benefit you know people in your industry,
Speaker 3: someone who you're trying to help level up, someone who's
Speaker 3: trying to help you level up, who's like a little
Speaker 3: bit more you know, advanced than you, someone who's you know,
Speaker 3: in the same space you are, and you're just trying
Speaker 3: to like, you know, get a sense of what to charge.
Speaker 3: A good example is I just got invited by a
Speaker 3: brand to do an event, and I know a friend
Speaker 3: of mine also was invited, and I slid into her
Speaker 3: DMS to ask her how the negotiations went because I
Speaker 3: was having a you know, an interesting experience, and you know,
Speaker 3: she let me know how hers went. And yeah, it's
Speaker 3: just it's that's different. I'm not going to get a
Speaker 3: brand deal and then just like go tell everybody and
Speaker 3: you know how much I'm making off of this or that.
Speaker 3: And the third end, yeah, it's people do not always
Speaker 3: have your best interests at Heartwindy.
Speaker 1: Yeah.
Speaker 2: And I'll say, like, one, I never thought about that
Speaker 2: that when you're sharing that was like a really good
Speaker 2: perspective that like does it benefit both people.
Speaker 1: I never thought about that.
Speaker 2: You know. One, I have to say, girl, this person
Speaker 2: to try to set you up to have this date,
Speaker 2: run your pockets I hope you block them expeditiously.
Speaker 3: Yeah, is that like the girl who had her what
Speaker 3: are those ugly shoes? Would make your toes look like
Speaker 3: a ninja turtle?
Speaker 1: And then the guy stole them and gave it to
Speaker 1: his girlfriend.
Speaker 3: Yes, the guy stole the shoes on the date. That's
Speaker 3: like what like was he told, Hey, that girl's got
Speaker 3: these fancy shoes, you should ask her out, and then
Speaker 3: he like ripped her off and stole her shoes. Anyway,
Speaker 3: I'm just thinking, well, I.
Speaker 1: Don't know them, well, I don't.
Speaker 2: I don't know.
Speaker 1: I don't think so.
Speaker 2: I think she met him on Hinge in one of
Speaker 2: these dating amps, and you know, they went home and
Speaker 2: he was like, oh, my girl been talking about the
Speaker 2: ugly shoes and stole them, which is so the ghetto.
Speaker 2: I mean, first of all, though, I have questions about
Speaker 2: the girlfriend. If your man brings home these shoes, no box,
Speaker 2: no nothing like, sir, where did you get these from?
Speaker 3: Yeah?
Speaker 1: And then when he asked you for them back, you
Speaker 1: weren't like, bruh, what was happening?
Speaker 3: And there's no little plastic tech connecting the marshals. When
Speaker 3: you get a great brand for less, I mean, no box.
Speaker 2: We saw Wendy. We we so one that person that
Speaker 2: tried to set you up. I mean, I would hope
Speaker 2: there's no second. We're not we don't have to spend
Speaker 2: the block. Since it's done, we're not talking anymore. You're
Speaker 2: not my friend. That's terrible. Like you know, like, hey,
Speaker 2: date my friend. You can use them for money because
Speaker 2: she makes good money. It's one thing. Sometimes friends will
Speaker 2: certainly be like, ooh, this is my friend.
Speaker 1: They have a good job. Da da dada. That's one thing.
Speaker 2: But like you specifically said, she snapchatted them to say
Speaker 2: he could use you child, you know. And yeah, as
Speaker 2: far as because I'm like, I don't your therapists suggesting
Speaker 2: that you lie.
Speaker 1: I'm like, girl, I don't know the damage.
Speaker 2: I just don't know that. That's I'm not a therapist.
Speaker 2: So therapists. Maybe way in did we ever encourage people
Speaker 2: to lie? I guess so maybe for safety for sure,
Speaker 2: like you know, you have an abusive husband or something
Speaker 2: like that, certainly, But I just feel like this might
Speaker 2: be a good time to kind of like reset friendships
Speaker 2: because this is like, you know, there are certain things
Speaker 2: that like highlight who you really who you work with.
Speaker 2: Basically and friends that are going to not respect the
Speaker 2: boundary and say, hey, honestly, it makes me feel uncomfortable
Speaker 2: when you X y Z. If a friend can't respect
Speaker 2: the new boundary that you're setting, then it's like, it's good,
Speaker 2: thank you for showing me, because I certainly, as my
Speaker 2: business has done better, it helped to reveal some people
Speaker 2: that when I was a preschool teacher, it was all
Speaker 2: good and as I did better, even just from when
Speaker 2: I moved to the Halfway Hood when I was living
Speaker 2: in you know, like with Jarell and like the Halfway
Speaker 2: Hood versus when I bought my house, you know, like
Speaker 2: the difference when people came over and the look on
Speaker 2: their faces. There are people who literally just stopped coming over.
Speaker 2: And I just remember being like, oh, but I didn't
Speaker 2: mind it because it was like better to know that,
Speaker 2: you know that we're not aligned, you know, and not
Speaker 2: because I'm making more but something you know, You're just
Speaker 2: we're just not aligned anymore. So I don't know about lying,
Speaker 2: but certainly setting new boundaries with the people in your
Speaker 2: life and they don't respect those boundaries, you know, realigning
Speaker 2: with other people who do. And so let's talk about
Speaker 2: the money part. Though, which is the exciting part. First
Speaker 2: of all, girls, do we even take congratulations because that's.
Speaker 3: Huge relations Oh yeah, I mean you double.
Speaker 1: Just downis I hope you like that's it.
Speaker 2: I can understand why you want to tell the world
Speaker 2: because it's like that's incredible, that's life changing.
Speaker 1: For you and your baby.
Speaker 3: Yeah, you know. So.
Speaker 2: One, I hope you are maxing out your retirement accounts
Speaker 2: because you ain't had that money before, you know, so
Speaker 2: you have the opportunity to max out your retirement accounts,
Speaker 2: you know. So One, I would like make make that
Speaker 2: my focus. I'm going to max have retirement accounts. Two
Speaker 2: I would be thinking about what does it look like
Speaker 2: as far as, like, you know, maybe increasing what I'm
Speaker 2: putting toward debt. Three I would be setting aside for
Speaker 2: a cost of living increase, but not I'm making forty,
Speaker 2: I'm living at this now, I'm making a hundred. I'm
Speaker 2: living at a hundred. It's I'm living at minus my
Speaker 2: retirement account max out minus increasing a little bit what
Speaker 2: I put toward debt minus increasing savings. When that's all
Speaker 2: said and done, then I can do a cost of
Speaker 2: life increase. So maybe it looks more like you're living
Speaker 2: at like sixty now instead of forty certainly not one hundred,
Speaker 2: if that makes sense.
Speaker 1: Also I would I.
Speaker 3: Wouldn't ain't gonna let you do that.
Speaker 2: But you know what I like first and foremost, whatever
Speaker 2: like big money comes in, I always have like, okay,
Speaker 2: what is retirement?
Speaker 1: What is debt? I don't have any deb anymore, but
Speaker 1: at the time, what is debt? What is savings?
Speaker 2: Once those are then if there's money, as there's money
Speaker 2: left over, then then I use that as like.
Speaker 1: How can I make my life better?
Speaker 2: And I think if you think about it that way,
Speaker 2: it'll allow you to always live relatively safely below your means,
Speaker 2: but in a way that you still get to enjoy
Speaker 2: a better life, but one that you can maintain, you know.
Speaker 2: So that's what I would be thinking about. But yes, congratulations,
Speaker 2: Like that's amazing.
Speaker 3: And I don't want your friend's reaction to take away
Speaker 3: from yeah, that feeling of I did this for me
Speaker 3: and my child because as a single mom, Like thanks
Speaker 3: for reminding me I forgot you was a single mom. Yes,
Speaker 3: that is life changing and I hope that And also,
Speaker 3: you know the thing about knowing someone's salary without any
Speaker 3: context is like one hundred k where because one hundred
Speaker 3: k in New York. I'm sorry, even if you're by
Speaker 3: your like if you're a dual income you're making a
Speaker 3: hundred or you're by yourself, you're not living large, no,
Speaker 3: like your paycheck to paycheck. Yes, it's just true, you know.
Speaker 3: That's that's the sad truth about a lot of places.
Speaker 3: And it's not just New York, you know, even in Atlanta.
Speaker 3: I feel like that would be tough or Charlotte or anyway.
Speaker 3: So I'm just saying without context. So that's another reason
Speaker 3: to keep you know, your salary private, not telling everyone
Speaker 3: is because without any context for your lifestyle, the cost
Speaker 3: of what it takes. Listen, childcare alone can shout out
Speaker 3: that paycheck real quick, real quick. And I wouldn't be
Speaker 3: surprised if you were, Like I would put my baby
Speaker 3: in a better daycare and all of a sudden, where
Speaker 3: the money go? Where my sixty thousand dollars rates go? Yeah,
Speaker 3: So anyway, you don't want to trust people who don't
Speaker 3: who don't who can't think of money and understand it
Speaker 3: like that With that information, yeah, I'm excited for you.
Speaker 3: And I was just gonna say that the one of
Speaker 3: the most powerful things I did back when I had
Speaker 3: more of a predictable income with my you know, my
Speaker 3: my bi weekly paycheck and stuff, is I automated everything,
Speaker 3: like Tiff was saying, like I automated my retirement, automated
Speaker 3: my how much was going to go to savings because
Speaker 3: I knew what I was going to make every two weeks,
Speaker 3: automated what went where, and then everything that hit my
Speaker 3: checking account, I knew I could spend it, and it
Speaker 3: made me. It made it so much simpler that way,
Speaker 3: and for you too, so I but I just made
Speaker 3: sure that I had set aside the money for savings
Speaker 3: and long term things before all that, because you should
Speaker 3: be able to enjoy and spend the money that you
Speaker 3: earn in the way that you want to.
Speaker 2: It's like a way that it doesn't make you feel
Speaker 2: because when you do that, when Mandy said it like,
Speaker 2: oh my gosh, the money that's in my checking kid, No, no, no,
Speaker 2: because guess what retirement funded debt being paid off?
Speaker 1: Saving save this money? It's my money.
Speaker 2: So like then it feels really good that you can
Speaker 2: actually enjoy the money versus like wondering. So yes, add
Speaker 2: automation to that mix of those three things. If you
Speaker 2: do those things, yeah, and honestly you're just gonna you know,
Speaker 2: like it's different. Like like you said friends, you didn't
Speaker 2: say family, because sometimes it's hard as your mom, your dad,
Speaker 2: it's it's hard. But Frand's child. No, like you know,
Speaker 2: like I'm not saying that you can't lend friends money
Speaker 2: here and there, but a lesson that my friend Cabrel
Speaker 2: did teach me if you are thinking about lending from
Speaker 2: here and there, because you might have a friend that
Speaker 2: you're like, she was there for me.
Speaker 1: I want to be there for her.
Speaker 2: The first thing he always asked me when I'm like
Speaker 2: something such just such asked me to borrow money. I
Speaker 2: remember one time he asked me, will it solve the problem, Tiffany. So,
Speaker 2: for example, one time somebody was like, Hey, I'm late
Speaker 2: and behind on my mortgage. Can you loan me, say,
Speaker 2: like seven hundred dollars? So and I said, in my head,
Speaker 2: I asked, because I thought to myself, will it solve
Speaker 2: the problem? Meaning like if I give you this seven
Speaker 2: hundred dollars this month, like what happens next month? And
Speaker 2: I said that, like, so I know you don't have
Speaker 2: your mortgage money for mortgage because you don't have a.
Speaker 1: Job right now. So what happens next month? Oh, I
Speaker 1: don't know.
Speaker 2: I'm gonna have to think about the next month. Well,
Speaker 2: then that means this money doesn't all the problem. That
Speaker 2: means we're throwing seven hundred dollars into a hole for
Speaker 2: a house that you're likely to use money gone. Now
Speaker 2: it's another thing if you're like, hey, Tiffany, you know,
Speaker 2: like I want to borrow money because I have a
Speaker 2: thousand dollars left to pay a down pay off my
Speaker 2: car and then I'm car note free and I'll be
Speaker 2: able to pay you back incrementally, you know, the three
Speaker 2: months I used to pay my car note.
Speaker 1: That solves the problem because it's like you purchase the car.
Speaker 1: The car is purchased, it belongs to you.
Speaker 2: You can pay me two hundred bucks a month until
Speaker 2: you're paid off in five months with me. So I
Speaker 2: think about that always that like you don't ever have
Speaker 2: to land. But if I do even consider lending, I
Speaker 2: always ask myself, will this solve the problem or is
Speaker 2: this just the delay and I'm throwing good money after
Speaker 2: something bad? You know, So just keep that in mind too,
Speaker 2: as your friends kind of dig in your pockets.
Speaker 3: But in your case, protect yourself and your and your child.
Speaker 3: That's that's good money. But not give money to everybody
Speaker 3: who you know is going to ask you for They
Speaker 3: may think that you have money, but you have to
Speaker 3: be firm in knowing what your goals are. And I
Speaker 3: think it's even more important important to protect yourself so
Speaker 3: that everything is paid first, Like you pay yourself, you
Speaker 3: save for retirement, for everything that you need long term,
Speaker 3: and then with your leftover money if you want to
Speaker 3: give them away or whatever, fine, but get clear on
Speaker 3: like what is gonna bring value to you, enjoy for
Speaker 3: you and your child. And I would spend money there first.
Speaker 2: Yeah, absolutely, well girl, Wendy girl, child the ghetto, not
Speaker 2: even trying to set you up.
Speaker 1: I don't even fight and I want to throw hands
Speaker 1: to use me use for what can you imagine? Mayby,
Speaker 1: have you ever been in a physical fight.
Speaker 3: With someone not my brothers or some now.
Speaker 1: Like you're like you know, like a like a at
Speaker 1: school or whatever, So.
Speaker 3: You want to Yeah, when I was in like I
Speaker 3: used to have to defend my little brother. You guys
Speaker 3: met him on a couple of podcasts. Good he has
Speaker 3: a big mouth. He always has, so I used to
Speaker 3: fight his battles for him until I learned to use
Speaker 3: my whiplash.
Speaker 2: Really, I can't my saber toothed girl because we don't
Speaker 2: have hands.
Speaker 1: I don't have hands like I yea.
Speaker 3: I definitely. That was like in elementary school, I thought
Speaker 3: like little boys in the playground who would tease me?
Speaker 1: Man, he was like, it's what's up?
Speaker 3: It was? It was it was like Lord of the
Speaker 3: Flies at my house sometimes on a vacation. Okay, so
Speaker 3: but now no.
Speaker 1: No, of course, not now.
Speaker 2: But I'm just thinking of it because I've never like outside
Speaker 2: of like my sisters, of course, because you know, you're
Speaker 2: just tussling.
Speaker 1: But I was like, you know, I was never a fighter.
Speaker 1: I was I'm not gonna lie. I was a big
Speaker 1: scaredy caid. So I'm talking about I'm gonna throw hands,
Speaker 1: girl aware in the air, like they don't care, like
Speaker 1: I don't. I am the biggest of punks. Okay.
Speaker 2: So I'm like I used to my best friend Veronica
Speaker 2: was half my size. She was like five zero, and
Speaker 2: like I'm like, let me go get Veronica because y'all
Speaker 2: play with me.
Speaker 3: And so my little brother till my big sister, here's
Speaker 3: what you said.
Speaker 1: No, but I love that. I just was curious. I'm like,
Speaker 1: does May did maybe ever tussle in her youth? In
Speaker 1: her youth.
Speaker 3: Charge your book?
Speaker 2: I don't want to that. What that means is, see,
Speaker 2: I'm gonna talk big talk now because y'all don't know.
Speaker 2: I don't fight that. What that means is don't roll
Speaker 2: up on riding bishing in the streets. Okay, that's what
Speaker 2: that means, because you know I don't have hands but
Speaker 2: I will call the police. And you know, Mandy, my
Speaker 2: resurrec you know handsy, Mandra.
Speaker 3: I'll tell you at the time I attacked the little
Speaker 3: kid with fire ants for my little brothers uh, for
Speaker 3: my little brother, yeah, because he can't for my little brother.
Speaker 3: You know who you are, And I'm sorry. That was
Speaker 3: not nice for me to put your backpack in a
Speaker 3: fire ant. Hell, if you're from Georgia, these New Yorkers,
Speaker 3: you don't know about fire ants up here, Yo, that
Speaker 3: could have got me some prison time. I feel like
Speaker 3: if I was an adult, that's assault.
Speaker 1: Anyway. We'll see you guys next week. B a q A, Okay, bye, y'all.