Speaker 1: Hey, hey, Hey, am back and we're back. I wish
Speaker 1: you could see my shoulder prop right now, Mandy.
Speaker 2: I've felt it in your voice so like she's shoulder popping.
Speaker 1: I am.
Speaker 2: It's a freaking weekend, baby, I'm about to have me
Speaker 2: some family friendly fun events having We have a lot
Speaker 2: of stuff. We have our well, my new cousin, he's
Speaker 2: my cousin. I'm just considering it. My cousin's having a
Speaker 2: housewarming and Yonkers, beautiful exotic Yonkers. Actually, he and his
Speaker 2: wife shout out to Denny and Ysa are like our
Speaker 2: biggest fans, Like they know more about me from the podcast.
Speaker 2: Like if I have a message for them, basically, I
Speaker 2: should give it to them in the podcast because they're
Speaker 2: always like, oh man, so hi, they're doing a housewarming
Speaker 2: and they are a little boy he just turned two
Speaker 2: years old, as like the most adorable little golden nugget ever.
Speaker 2: His name is Santiago. I'm putting all their business out there.
Speaker 1: I know, sad name is so adorable too, Like I
Speaker 1: could just see, hey, Santiago, I know, we.
Speaker 2: Call a little santi And they have number two on
Speaker 2: the way.
Speaker 1: I know.
Speaker 2: So it's about to be a full house and he'saa,
Speaker 2: like I could gush about her forever. She's like a
Speaker 2: badass high school principal. She actually is a principal downtown.
Speaker 2: I'm putting all her business out, but I don't care.
Speaker 2: One time I had dinner with you, Sora, and she's like,
Speaker 2: you know, uh, She's like, I really want to night
Speaker 2: with the girls. You know, let's go to this great
Speaker 2: taco place in my neighborhood. And we all met up
Speaker 2: and suddenly she's a little bit older than me, and
Speaker 2: suddenly I was at a table with like four principal superintendents.
Speaker 2: It was like the most trippy experience of my life.
Speaker 2: Like you really, as you're old, when you're like having
Speaker 2: dinner with someone you used to fear.
Speaker 1: Oh right, it's like all of these people who had
Speaker 1: the power to put you in attention. Yeah ye, Sor
Speaker 1: you know, Mandy needs it sometimes.
Speaker 2: Oh my god, two babies. I can't even thaw them one.
Speaker 1: I know. Whenever I see people with like their kids,
Speaker 1: especially if I babysit or whatever, and then I go home,
Speaker 1: I'm like, oh my god, they don't get to go home.
Speaker 1: This is home.
Speaker 2: They don't get to get that baby back.
Speaker 1: I know, it seems like so much. I mean, that's
Speaker 1: why they make God makes babies so darn cute. Because
Speaker 1: just when you're like, I can't do this anymore, the
Speaker 1: baby looks like looks at you like, yes you care,
Speaker 1: look at this face? No?
Speaker 2: But do you know what I And maybe I'm a
Speaker 2: negative Nancy, but do you know what I always think
Speaker 2: about when I see how much parents like, see parents
Speaker 2: gushing over their babies and whatever. I always think, But
Speaker 2: but that baby's gonna hate you in like fifteen years.
Speaker 2: That baby's like gonna be a little brat and like
Speaker 2: it's gonna wreck the car and stay out too late
Speaker 2: and like miss their curfew. Then they're gonna be like
Speaker 2: thirty and they're gonna start trying to boss you around
Speaker 2: about your health and what you do with your life,
Speaker 2: like I did with my mom. Sometimes my mom, I'm like,
Speaker 2: why do you like me? I'm such a brat.
Speaker 1: She's like, I push you out, so you know we've
Speaker 1: got a bond.
Speaker 2: Yay to Mommy's right. Yes, And then we have a
Speaker 2: surprise birthday tonight, and then tomorrow one of my one
Speaker 2: of my really dear friends from Nebraska is visiting the
Speaker 2: big old city in New York.
Speaker 1: Have they ever been to New York before?
Speaker 2: Yeah? Thank god, because that means I'm not going to
Speaker 2: end up doing like the you know, Times Square and
Speaker 2: all that kind of stuff. I'm always I'm here for
Speaker 2: friends when they visit, for all the meals, like I'll
Speaker 2: meet you for brunch, for dinner, like I will be
Speaker 2: your meal tour tour guide. I'm down for that. But first, first,
Speaker 2: first mention. I hear of Statue Liberty and I'm like,
Speaker 2: out the door, here's a camera buy Yep. So it'll
Speaker 2: be it'll be a packed weekend, but fun.
Speaker 1: So I've got some news, but I'm hesitant to share
Speaker 1: it because I'm like some of some of our podcast listeners.
Speaker 1: They might know Superman. If you do, you have, you
Speaker 1: had better keep your mouth shut if you know Superman.
Speaker 1: So I was talking to Superman the other day and
Speaker 1: I was telling him one of my really great friends, Madeline.
Speaker 1: She's got this business called traveling mad and she travels
Speaker 1: all over the world and once a year we don't
Speaker 1: even like we live in the same town, but we
Speaker 1: never hang out. But when it comes comes to travel,
Speaker 1: like that's like my favorite travel buddy. So she hit
Speaker 1: me up the other day was like, paytive, it's time
Speaker 1: for our birthday, you know trip. We usually go in
Speaker 1: October because we're both born in October, you know, and
Speaker 1: so she said, you know, let's go. We're thinking between
Speaker 1: Thailand or Iceland.
Speaker 2: And two very different lambs, I know.
Speaker 1: So anyway, she texted me and I was telling him.
Speaker 1: I was like, oh, Superman, you know my birthday trip
Speaker 1: this year is either going to be Thailand or Iceland.
Speaker 1: And he was like, you're gonna be away on your
Speaker 1: birthday and I was like what he was like? He
Speaker 1: was just looking so disappointed. I was like, no, no, no, no,
Speaker 1: We're gonna take it later in November because that's the
Speaker 1: time she has off from work. He was like, oh,
Speaker 1: he looked so relieved, and you know, me, Nosey Wolsey
Speaker 1: was like in my mind, I was like, but I
Speaker 1: did say anything. I just thought to myself, that seems curious.
Speaker 1: And then this is like put the nail in the coffin.
Speaker 1: I'm like, trying to not talk too loud. The Superman
Speaker 1: is in the other room. So last night we were
Speaker 1: talking and he was like, you should have a party
Speaker 1: this year for your birthday. Randomly mean while I'm turning
Speaker 1: thirty seven, cause like thirty seven, that's not And I
Speaker 1: was like, why, Like it's not it's not a major
Speaker 1: milestone birthday and I don't ever have birthday parties. He's like,
Speaker 1: you should just have a party. You should bite everybody.
Speaker 1: And I was like and it took me a moment.
Speaker 1: I'm all slow, and I'm like, I don't know. Then
Speaker 1: I was like, wait, I think I might a you
Speaker 1: know what that means. So I'm not gonna say that
Speaker 1: loud because I'm just claiming it internally.
Speaker 2: That knock on some wood, Yes, da knock. He's like,
Speaker 2: wouldn't it be cool if you just had all your
Speaker 2: family friends and all your loved ones all around you
Speaker 2: in a circle, and like if you were really nice
Speaker 2: dress and got your nails done.
Speaker 1: Yeah, and then if you don't go away on your
Speaker 1: birthday like you normally do in your home. Yeah.
Speaker 2: And I was like, look, yeah, you got too big.
Speaker 2: I had no idea what was coming, man, you have
Speaker 2: two big like two big signs.
Speaker 1: I know. I think that he thought that he was
Speaker 1: giving like slick signs because I was looking because I'm like,
Speaker 1: what is he talking about? When do you care that
Speaker 1: you know I'm not home on my birthday because I
Speaker 1: always go away like usually on my birthday during the week,
Speaker 1: you know, because he's not big, big, big on traveling.
Speaker 1: So I'm like, since one is he? Oh so I
Speaker 1: already got a cue up, queue up the best friend, Like,
Speaker 1: I'm gonna need you to make a phone call because
Speaker 1: I don't want him to do this alone.
Speaker 2: Oh yeah, yeah, yeah, I mean, I just though that's
Speaker 2: what I did. I put my friend, I put I
Speaker 2: gave my my confidante a Pinterest board with my what
Speaker 2: I liked, and I was like, you now have the
Speaker 2: key to what much to what I need? Deliver it
Speaker 2: unto him when he asks me.
Speaker 1: You know, I was like, do you have Drenda's number?
Speaker 1: Dream his number? I don't ways dream that. Here's it.
Speaker 1: Just call me, okay, just check it in on you.
Speaker 2: So she may have already been in talks with them.
Speaker 1: You never know she would have told me.
Speaker 2: But here's my advice to you. Stop looking for stop
Speaker 2: stop looking for signs now. Because I really wanted to
Speaker 2: be special and I almost ruined it for myself a
Speaker 2: couple of times by bye, by like fake snooping, like
Speaker 2: I'm not really snooping. His computer's just so open. I'm
Speaker 2: just gonna see. I'm just gonna check my email on
Speaker 2: his computer. It's closest to me, so it all makes sense.
Speaker 2: And oh it's emails up. I'm just gonna sign out.
Speaker 2: Oh my eyes just passed over that night now.
Speaker 1: But you know, I know, right, I know, because it
Speaker 1: will be terrible for like, I mean, I know he
Speaker 1: wants me to be surprised on my birthday. Well look
Speaker 1: at me. I'm all claiming it, like yeah, girl. Meanwhile,
Speaker 1: my birthday will come and past, and I'm like, so
Speaker 1: I had a party, Mandy, it was great. I got
Speaker 1: a Teddy Bear.
Speaker 3: Yeah.
Speaker 2: Oh man, He's got to know that though every holiday
Speaker 2: for the next year, you will be some part of
Speaker 2: you will wonder if it's gonna be it, and then yeah,
Speaker 2: we'll get it over with. No right, put it out
Speaker 2: of misery, superman.
Speaker 1: I know, come on, so we can move on and
Speaker 1: make this baby happen. You know that.
Speaker 2: I want to segue because did you watch the DNC
Speaker 2: this week any of the speeches.
Speaker 1: I'm not gonna lie no, because I don't know my spirit.
Speaker 1: I know my spirit was rocked with what I did
Speaker 1: see of the RNC, and I was just like, I'm
Speaker 1: gonna take you No.
Speaker 4: That was the perfect cure for your RNC blues. You
Speaker 4: didn't watch Michelle's speech. I didn't watch Obama's speech or
Speaker 4: I was.
Speaker 1: Gonna watch it later because I was just like I
Speaker 1: was over politic that. I was like, I'm gonna take
Speaker 1: a break from politics.
Speaker 2: I'm not like if any of you guys are feeling
Speaker 2: the racial syndrome, what is that fatigue that aquila, you know,
Speaker 2: racial discussion, disease fatigue or whatever. This will get This
Speaker 2: will give you back the life that you've lost Like this,
Speaker 2: and it's not just the face, So you have mean
Speaker 2: a Michelle Obama opened up the convention on Monday, was like,
Speaker 2: what is going to go down in history as one
Speaker 2: of the most extraordinary speeches in Florida's history.
Speaker 3: That is the story of this country, the story that
Speaker 3: has brought me to the stage tonight, The story of
Speaker 3: generations of people who felt the lash of bondage, the
Speaker 3: shame of servitude, the sting of segregation, but who kept
Speaker 3: on striving and hoping and doing what needed to be
Speaker 3: done so that today I wake up every morning in
Speaker 3: a house that was built by slaves, and.
Speaker 1: I watch my.
Speaker 3: Daughters, two beautiful, intelligent black young women, playing with their
Speaker 3: dogs on the White House lawn and be And because
Speaker 3: of Hillary Clinton, my daughters and all our sons and
Speaker 3: daughters now take for granted that a woman can be
Speaker 3: president of the United States. So look, so don't let
Speaker 3: anyone ever tell you that this country isn't great, that
Speaker 3: somehow we need to make it great again, because this
Speaker 3: right now is the greatest country on earth.
Speaker 2: Oh, it's amazing. And then I mean, of course President
Speaker 2: Obama gave a stellar speech. I think that was on Wednesday,
Speaker 2: But it wasn't even just the famous people. It was
Speaker 2: there is a man, a Muslim man who gave a speech.
Speaker 2: And so he's standing there and he's talking about his
Speaker 2: son who's Muslim and fought and fought on the side
Speaker 2: of America in the Iraq War and died in two
Speaker 2: thousand and four. And he just gave this incredibly moving speech.
Speaker 2: And he, you know, talks to Donald Trump and he's like,
Speaker 2: you know, at one point he asked, have you read
Speaker 2: the Constitution? I can give you a copy of mine.
Speaker 2: It talks about liberty for all. And it was such
Speaker 2: just like the answer to all the hate and all
Speaker 2: the fear mongering and all the lies that we've been
Speaker 2: hearing on the other side, like just so good. And
Speaker 2: then there was performances Alicia Keys, Lenny Kravitz, Andre Day
Speaker 2: did rise up telling you it was it was good stuff.
Speaker 2: And then of course Miss Hills won the nomination, and
Speaker 2: then that was like historic moment and it's in and
Speaker 2: of itself, yeah, for sure. And in that fly little
Speaker 2: white suit.
Speaker 1: Did you see the there was like a meme that
Speaker 1: was hilarious. It was like it was a little white Boy.
Speaker 1: It's a cartoon of these three kids standing side by side,
Speaker 1: a little white boy, and underneath it says, I know
Speaker 1: I could be president, and at the bottom it says
Speaker 1: since seventeen sixteen, and there's a little black boy in
Speaker 1: the middle, I know I could be president, and at
Speaker 1: the bottom it says since two thousand and eight, and
Speaker 1: then the little girl, I know I could be president
Speaker 1: since yesterday. And I just thought that was like, wow,
Speaker 1: isn't that so crazy?
Speaker 2: It took forever? But I'm so, you know what, forget
Speaker 2: what I mean. I'm actually like I am team Hillary,
Speaker 2: but I and you know, I hear all the haters
Speaker 2: and like whatever, but like you just have to sit
Speaker 2: back and appreciate the moment, like first woman in history,
Speaker 2: not just to be to be and you know she
Speaker 2: could be the first woman president, but just the fact
Speaker 2: that she was nominated the first to be nominated for
Speaker 2: president for people to say you are worthy of being president,
Speaker 2: and she had to work harder than any like is
Speaker 2: her Like, come on, I love Obama like everyone else,
Speaker 2: huge Barack Obama fan. I voted for him, but like
Speaker 2: her resume, like and he even said it during his speech,
Speaker 2: she is more qualified than he is to be president.
Speaker 2: And it's true. And it's crazy that she's sort of
Speaker 2: you know, punished almost for her for the breath of
Speaker 2: her experience and the breath of her time in Washington
Speaker 2: and you know how long she's been a public servant.
Speaker 2: But you just can't knock her resume, like give her
Speaker 2: some respect.
Speaker 1: And also too, you know they knock it because she's
Speaker 1: not It's so crazy because she was like this like
Speaker 1: super smiling, hey girls, kind of girl like it's almost
Speaker 1: like people don't people are like she doesn't smile less,
Speaker 1: she's not as warm, but if she was warm and
Speaker 1: super smiling, you'd say she's not serious. Yeah, and since
Speaker 1: when the women have to smile and make you feel good?
Speaker 1: Like I hate that girl smile. I know I have
Speaker 1: resting bitch face. Take it.
Speaker 2: I'm sure Hillary that just stuff rolls off her pants
Speaker 2: to shoulders, like she has probably heard that her entire life, right,
Speaker 2: I feel like she can take it, like she she's
Speaker 2: heard all the sexist remarks. She's been the only the
Speaker 2: only woman in the room. She's been on Capitol Hill,
Speaker 2: like she's been the wife, you know, watching her husband
Speaker 2: cheat on her the public eye, like she's been that.
Speaker 2: She's been everything. She's been the grandmother, she's been secretary
Speaker 2: of State, Like what else do we want from her?
Speaker 2: Give her the job? But I there was one moment
Speaker 2: everyone started talking about, you know, cross apart from the speeches.
Speaker 2: But so it is, you know, Milanio Trump, Malania Trump,
Speaker 2: you know how she was found to have plagiarized Mama
Speaker 2: Michelle's speech. Right, So Milania Trump, if you don't know,
Speaker 2: if you're living under a rock, basically gave her big,
Speaker 2: her big potential floatus moment and gave a speech about
Speaker 2: how she you know, was an immigrant and you know,
Speaker 2: the American dream, and turns out she plagiarized like a
Speaker 2: big chunk of Michelle Obama's speech from two thousand and
Speaker 2: eight or whenever, the before Obama was elected. Anyway, Milania
Speaker 2: was wearing this like very you know, all white, kind
Speaker 2: of puffy sleeved supermodel dress. And what don't you know,
Speaker 2: at the end of the convention, this representative from Ohio,
Speaker 2: Representative Beauty don't forget her name, Representative Joyce Beauty of Ohio,
Speaker 2: gave her own speech in support of Hillary, wearing the
Speaker 2: exact same dress and represented just to paint a picture,
Speaker 2: she is a beautiful black woman of a certain age
Speaker 2: with glistening like glowy silver, salt and pepper hair, perfectly
Speaker 2: curled with pearls and pearl jewelry and just like pearl earrings,
Speaker 2: looking fabulous and wearing the exact same dress that Milannia wore.
Speaker 2: This like super you know, more traditional like supermodel type woman.
Speaker 2: And then after this speech she's like, oh, did Malania
Speaker 2: wear this? So I didn't realize, ah, And she said,
Speaker 2: but you know, I think she said something like my
Speaker 2: husband brought to me, so I decided to wear it.
Speaker 1: But you know, when I spoke, I use my own words.
Speaker 1: I I said, if you don't read, don't count for
Speaker 1: these for these silver Fox women, they will read you, honey.
Speaker 1: I was like, yeah, that part I did see.
Speaker 2: Oh you saw that part. There was a I posted this.
Speaker 2: I'm gonna post on the group too, but there was
Speaker 2: this l that's kind of like he's like the male
Speaker 2: version of awesomely lovey.
Speaker 1: Okay uh.
Speaker 2: Eric Thomas, he writes for l dot com. Don't ask
Speaker 2: me how. He's like a comedian anyway, he wrote the
Speaker 2: most hilarious, hilarious like lovey style post about this moment
Speaker 2: and like how the shade was real, like all the memes,
Speaker 2: like like Mariah, when Mariah that infamous Mariah line when
Speaker 2: she's like talking about Jennifer Lopez, I don't know her.
Speaker 2: She's like, I don't know her.
Speaker 1: Oh Mariah is the shade, oh weed, oh her, I
Speaker 1: don't I don't know her. And she said, but I mean,
Speaker 1: like I know of her, but that's not what you
Speaker 1: ask I don't know her, yes, Mariah.
Speaker 2: And then and last but not least, when finally Hillary
Speaker 2: wins and this like avalanche of balloons falls down and
Speaker 2: none other than Bill Clinton looks like a child at
Speaker 2: Discovery Zone at Chuck e cheese, like the expression on
Speaker 2: his face, kicking them balloons and there's just one. There's
Speaker 2: just one gift of him, just like lightly. He's like
Speaker 2: he's trying to play with the balloons without making it,
Speaker 2: without like actually like trying to. He's like, Oh, I'm
Speaker 2: just there, gonna see me, but we like I'm just
Speaker 2: gonna like push its balloons in the air. But he's
Speaker 2: having like the time of his life.
Speaker 1: Ah, it is very, very silly.
Speaker 2: He's kicking the balloons and oh, he just looks. It
Speaker 2: looks like he looks like he became president. He's already
Speaker 2: done it twice. Ah Bill Billy Billy. Anyway, if you
Speaker 2: guys go just go to YouTube watch the speeches. At least,
Speaker 2: I mean, like make at least watch Michelle's. I mean, okay,
Speaker 2: we owe her that much. It'll make you it'll make
Speaker 2: you cry for the fact that she's leaving. I miss
Speaker 2: sir as much as I support Hillary. I'm just so
Speaker 2: sad that they're leaving.
Speaker 1: Yeah, but they need their life back. I can only imagine.
Speaker 2: I'm sure she's like, get me the hell out of here, right,
Speaker 2: I just want to with the windows rolled down, you
Speaker 2: see how they.
Speaker 1: Try to come for their oldest daughter, talking about she
Speaker 1: skipped it to go to Lallapalooza. She skipped the DNC.
Speaker 2: Oh did she so?
Speaker 1: What?
Speaker 2: Child?
Speaker 1: First of all, all the all the former Republican presidents
Speaker 1: skipped the RNZ as well as all these other people
Speaker 1: have know she's eighteen. She doesn't need to be there.
Speaker 1: He's not running.
Speaker 2: I'm sure. She was like, I'm an adult, so I'm
Speaker 2: gonna choose. I'm gonna make a conscious choice to unchoose
Speaker 2: this DNC. Bye, guys, Yeah what Yeah, some people are
Speaker 2: just crazy. I'm glad she's like living a normal life.
Speaker 1: What was that noise?
Speaker 2: Oh did you hear that?
Speaker 1: Oh?
Speaker 2: Something to sorry? Just I put on a website and
Speaker 2: started playing, Oh crap, I'll edit that out my bad
Speaker 2: auto play kamos. Anything else in the news, Just.
Speaker 1: Some silliness by little bow Wow. I posted on my
Speaker 1: own page throwback. Yeah, so a little bow Wow in
Speaker 1: all his ignorance, he did an interview I forget with who,
Speaker 1: but he said that he cannot relate to those civil
Speaker 1: rights movement and to the ills that people of color
Speaker 1: are facing. For those of you who don't know, Little
Speaker 1: bow Wow used to be like a rapper back.
Speaker 2: In many of you may not know right for real.
Speaker 1: Because he's he was literally when he was a rapper,
Speaker 1: he was like eight nine years old. But now he's
Speaker 1: like on bt as like a host and stuff. But
Speaker 1: google a little biral. He was totally adorable. He was
Speaker 1: like a protege of Snoop Dogg, which I hope you
Speaker 1: do know. And so anyway, he says, even though he
Speaker 1: is clearly black and like not like like black, like
Speaker 1: brown skin black, like no, you cannot mistake him for
Speaker 1: something other that he does not relate to civil rights
Speaker 1: movement or the trouble that black people are facing right
Speaker 1: now because he is and I quote mixed. So I
Speaker 1: was like, oh, that's weird. So of course black Twitter
Speaker 1: commenced to dragging him, dragging him. I just looked black
Speaker 1: dragging him, and they dragged him hard and long and
Speaker 1: one thing, so I wrote, I usually I don't write
Speaker 1: like shade on my personal page, but I saw this
Speaker 1: funny quote somebody wrote about him, so I had to
Speaker 1: share it, and it was don't shoot I mixed dash
Speaker 1: little ball like a little we don't sit your black
Speaker 1: behind down, like just don't you don't have to say anything.
Speaker 1: I don't understand why people don't get that. You know,
Speaker 1: you don't have to say anything. Yes, you have freedom
Speaker 1: of speech, but it doesn't mean you have freedom from consequences.
Speaker 1: So he is the new Raven Simone and it was
Speaker 1: kind of giggly, and actually that leads me into what
Speaker 1: I'm going to take for my brown break.
Speaker 2: Well, let me just quickly say, they do not speak
Speaker 2: for all mixed people. We do not. We don't own him.
Speaker 2: We're gonna trade him for someone else.
Speaker 1: Nobody wants a little bow. We're like, we're trying to
Speaker 1: figure out which team in the Black Sit that we
Speaker 1: should send him to because we don't want to him
Speaker 1: and Raven Simone package someone else can happen.
Speaker 2: Did you see the black Seit movement hashtag black Sit. Yeah,
Speaker 2: it's like the if all black people just exited America,
Speaker 2: It's like you should go. It's like I just all
Speaker 2: post on the blog, but it's on the on the
Speaker 2: Facebook page, but it's twenty one things we're taking with
Speaker 2: us if we leave. It's like Beyonce, duh yuh, the
Speaker 2: Obama's the word fleak, He'll degrass Tyson and the Whip
Speaker 2: Ane Rhythm soul food, Hot Sauce, Oprah Cornrose, Gospel music,
Speaker 2: Will Smith, Woman's Voice, Shondaland Yes, Shondaland, oh man, that's
Speaker 2: funny and then awesome, we love you took it even
Speaker 2: further on her site, which if you just like want
Speaker 2: the double whammy love love.
Speaker 1: Yeah, I love lovely Yeah.
Speaker 2: Yeah. I heard you do on the show.
Speaker 1: I know, and I just missed her. So yesterday I
Speaker 1: spoke at I spoke at a Black Girl's Rock has
Speaker 1: summer conference for young women of color called Black Girl's Lead,
Speaker 1: And so for the second time we spoke, Like when
Speaker 1: I first met Lovey. I met her last year there
Speaker 1: and she hit me up. She was like, oh man,
Speaker 1: I just missed you by an hour. So she spoke
Speaker 1: an hour after me. But I spoke yesterday and it
Speaker 1: was pretty awesome teaching. It was like one hundred and
Speaker 1: sixty something young women of color some basic personal financial
Speaker 1: things and it was fun, a lot of fun.
Speaker 2: All right, guys, Well, we usually do this later in
Speaker 2: the show, but I want to We're gonna answer questions
Speaker 2: later in the show, but I want to do my
Speaker 2: little call out now while you're still listening. Do you
Speaker 2: have questions you want us to answer money or career wise.
Speaker 2: You can send us an email at Brand Ambition Podcast
Speaker 2: at gmail dot com and you may hear your question
Speaker 2: on the show.
Speaker 1: So do you want a brown break? Are you going
Speaker 1: to brown boost?
Speaker 2: I am going to give a boost this week.
Speaker 1: All right, So I'm gonna do a break, So I'll
Speaker 1: go first. That way we can get out of the
Speaker 1: get the bad energy out of the way.
Speaker 2: Okay.
Speaker 1: So I had posted on Afraid, No, No, it wasn't
Speaker 1: anything crazy. I posted yesterday that I was super excited
Speaker 1: to be speaking at Black Girls Rocks summer camp for
Speaker 1: girls Black Girls Lead, and you know, and most people
Speaker 1: were like yes, girl. And then a high school friend.
Speaker 1: So I went to the majority white high school. And
Speaker 1: when I mean majority, I mean there was like, hmm,
Speaker 1: five black kids in my in my uh my high
Speaker 1: school class. And so I had friends, you know, I
Speaker 1: had black friends, I had African friends since I'm African,
Speaker 1: and I had white friends. And so one of she
Speaker 1: wasn't really a friend, but definitely we were cool in
Speaker 1: high school. Wrote under my post this is the problem
Speaker 1: with people today. Everything is separated by race. Why can't
Speaker 1: all girls rock?
Speaker 2: Oh? And I was like, she's one of them.
Speaker 1: Yes, So I resisted the urge to drag her because
Speaker 1: I knew her, you know, and I don't know her
Speaker 1: to be like a you know, a negative, terrible person.
Speaker 1: So I wrote her back and I just said that
Speaker 1: all girls do rock, and that I think you're mistaken
Speaker 1: black girls rock with the saying that like only black
Speaker 1: girls rock, What this means is that black girls rock too.
Speaker 1: And said, donnad you don't. You don't and I don't
Speaker 1: care about say her name because she put herself out there.
Speaker 1: You don't understand what it's like to be black in
Speaker 1: America because you're not. And I can understan that that
Speaker 1: you don't understand, because how can you. And I said,
Speaker 1: because there's so many negative images for young women of
Speaker 1: color that this is supposed to counteract that. And so
Speaker 1: we're not saying that other girls don't rock. We're saying, hey,
Speaker 1: black girl, I know they tell you otherwise, but you
Speaker 1: rock too. And I said, Donna, I say, you have
Speaker 1: two beautiful daughters, and I would hope that you would
Speaker 1: want for them what everybody wants for their children, to
Speaker 1: be loved and looked after and told that they're great.
Speaker 1: And that's what this is supposed to do, and she
Speaker 1: went on to say something like, well, I'm white and
Speaker 1: I live in Newark, and living in Newark was ten
Speaker 1: times harder than I'm sure you living in Westfield. One.
Speaker 1: I was like, well, I would not know what it's
Speaker 1: like to be a white woman living in Newark, just
Speaker 1: like you do not know what it was like to
Speaker 1: be a black young woman living in Westfield. So that's
Speaker 1: one and two. Living in Newark is a choice. Living
Speaker 1: amongst a predominantly black community, literally is a rare choice
Speaker 1: that you can make. I cannot choose to not live
Speaker 1: amongst majority white people. That's called life. This is America.
Speaker 1: Like you know, there's no I mean, yes, I live
Speaker 1: in Newark, but for the most part, it's it's very
Speaker 1: few pockets where it's like that. Like, girl, my whole
Speaker 1: life is Like how if you feeling that way about
Speaker 1: living in Newark and people have treated you a certain
Speaker 1: way because of your race, hello, then you should know
Speaker 1: how it feel. That's how it feels for every single day,
Speaker 1: for every other black person out there. And yeah, I
Speaker 1: don't know, she like wrote me some I guess somebody
Speaker 1: ended up dragging her so she took down her comment,
Speaker 1: but It just had me thinking to myself, like, you know,
Speaker 1: like when I was in high school, don't hung out
Speaker 1: with the black kids. It wasn't like she was. She
Speaker 1: had friends of all races. She was a cool girl.
Speaker 1: You know, I always liked her. She's always been nice.
Speaker 1: So it's not even like I can separate myself and
Speaker 1: be like, oh, that's that racis shake And so it
Speaker 1: had me really thinking about, like, you know, how people
Speaker 1: think and how they cannot relate, and how how do
Speaker 1: you change that. I didn't you know, she even she
Speaker 1: sent me an email and I wanted to I don't
Speaker 1: know what to say to like have her think differently.
Speaker 1: And I guess she's thinking the same way about me.
Speaker 1: She still think it's wrong to separate, And I'm like, ah,
Speaker 1: I can.
Speaker 2: Think, is that there's anything you can say? It's up
Speaker 2: to her, Like it's not our responsibility to teach them
Speaker 2: what they're doing, Like it's not our responsibility to explain
Speaker 2: to them what we mean behind the movement, Like we understand,
Speaker 2: we get it. They need to catch up, Like I
Speaker 2: think we put a lot of And that's where the
Speaker 2: frustration comes from, because we constantly want to convince everyone
Speaker 2: else of our experience. It's not our experience is mattering
Speaker 2: that we our voices matter, and if they don't want
Speaker 2: to hear it, then that's, you know, fine. I don't
Speaker 2: get You'll be lost trying to convince these people that
Speaker 2: they're wrong and that our experiences matter and that our
Speaker 2: voices matter. It's my kind of cynical opinion, but I
Speaker 2: think just to take that pressure off yourself, like you
Speaker 2: don't have to.
Speaker 1: Yeah, so what's your brown boost?
Speaker 2: Well, I wish it was something better, like really good
Speaker 2: to like follow that, but I was going to give
Speaker 2: a boost to financial planners.
Speaker 1: Okay, good, go.
Speaker 2: Ahead, I was going to talk about that. So so, uh,
Speaker 2: honey boo boo and I, Oh, I mean fiance boo
Speaker 2: and I honey Boo boo. May she rest in peace.
Speaker 2: I don't know where she is wherever you are, honeyboob,
Speaker 2: but I hope someone's helping you fiance boo and I.
Speaker 2: So we obviously are preparing to journey into the next
Speaker 2: phase of marriage and all that kind of crap. But
Speaker 2: I have we been talking. We've been trying to like
Speaker 2: figure out how our finances are going to function when
Speaker 2: we're get when we're married and we kind of have
Speaker 2: a good system going now, but you know, we're talking
Speaker 2: about weddings and buying a house and maybe having kids,
Speaker 2: and like it's just a lot of it just feels
Speaker 2: like the most crucial time in our life, like this
Speaker 2: is when we could either make great decisions or we
Speaker 2: could like fuck it all up. So I thought it
Speaker 2: would be we thought it would be a good idea
Speaker 2: to start interviewing financial planners, like someone who can kind
Speaker 2: of like help like be our coach throughout this next
Speaker 2: year and really help us like set us up for
Speaker 2: the goals we want to achieve and like get a
Speaker 2: professional opinion who's going to like look at our finances
Speaker 2: and just say, well, here's what you want, here's what
Speaker 2: you can afford, and here's what you can't afford right now,
Speaker 2: but you know, here's a plan to get you there
Speaker 2: in the next like two, three, four or five years
Speaker 2: or whatever. So I wanted to give a shout out.
Speaker 2: We haven't officially like hired our financial planner, but we've
Speaker 2: interviewed a couple, and I really wanted to find someone
Speaker 2: who was like near us in New York, who had
Speaker 2: like an idea of what it costs to live here,
Speaker 2: But then who also is used to talking to young
Speaker 2: couples like us? And I don't know if you've noticed,
Speaker 2: but whenever you hear financial planners or you see them, like,
Speaker 2: it's mostly over seventy white dudes, none exactly, and you
Speaker 2: know they're used to dealing with like Betty and George,
Speaker 2: who are you know, have retirements and nest eggs and
Speaker 2: things like that and are later in life. But there's
Speaker 2: not really that many younger financial planners, and especially female
Speaker 2: financial planners. So I wanted to give a shout out,
Speaker 2: especially to the x Y Planning Network x Y Planning
Speaker 2: Network dot com. It's a network of x Y like
Speaker 2: generation X generation why financial planners who are specializing and
Speaker 2: working with people in their own age demographic. Yeah. So
Speaker 2: I went to xy Planning and I already know I
Speaker 2: know Alan Moore who created this network. I met him
Speaker 2: just through work and so I was like, Alan, I'm
Speaker 2: going to try using XY Planning Network. And we started
Speaker 2: intervieering planners and it's been great. Like most of them
Speaker 2: and they're all like virtual, they're not virtual planners, but
Speaker 2: a lot of them are. They you know, are happy
Speaker 2: to work with clients you aren't necessarily in the same state,
Speaker 2: so you don't have to meet with them face to face.
Speaker 2: But we talked to one planner who makes several trips
Speaker 2: to New York a year. She's based in Atlanta and
Speaker 2: has like face to face visits with you, But then
Speaker 2: a lot of the work is done online, like through Skype,
Speaker 2: and they all are very tech savvy, so they make
Speaker 2: it so easy for you to like work with them
Speaker 2: and around your schedule and all that kind of stuff.
Speaker 2: So I'm excited for this next phase, and I love
Speaker 2: I'm really excited about the financial planner and just knowing
Speaker 2: that we're going to have someone who's impartial and like
Speaker 2: unemotional about art because you know, there's so many emotions.
Speaker 2: I mean, ninety nine percent of financial planning is like
Speaker 2: controlling the emotion of your client when your client is like,
Speaker 2: but I have always dreamed of having a house in
Speaker 2: the mountains and in the suburbs. And they're like, Okay,
Speaker 2: well that's a dream fantasy, here's reality, Like here's what
Speaker 2: the numbers say. And I feel like we really need that,
Speaker 2: especially like these are huge decisions we're going to make
Speaker 2: in the next year, like huge ones, you know, where
Speaker 2: we're going to live where we want to raise kids,
Speaker 2: you know, where we're going to work, and and uh,
Speaker 2: you know, even just like planning for a honeymoon that
Speaker 2: kind of crap, Like how are we going to achieve
Speaker 2: all this stuff in the next couple of years? So uh,
Speaker 2: that's all I got.
Speaker 1: Well, I think having a financial planet that earlier the better.
Speaker 1: And you're right, especially when you're dealing with Boo, having
Speaker 1: somebody who's impartial, so that way you both can be
Speaker 1: like kind of like you can kind of roost it
Speaker 1: and be like, well, I don't have to I don't
Speaker 1: have to worry that you know that this is a
Speaker 1: mandy plan or of you know, finance. What's it called it,
Speaker 1: honey boobo plant not honey boo boo. I'm like, ah,
Speaker 1: the whey are gods scathing me? If ya boot plant?
Speaker 1: But yeah, just having somebody a third third listening ear
Speaker 1: is a is a great idea. So I'm excited for
Speaker 1: you guys. I mean, I think it's time for next
Speaker 1: level for everyone when it comes to our money.
Speaker 2: I'm not using this person to earn money, Like it's
Speaker 2: not that kind of relationship, Like I'm not it's like
Speaker 2: more of an investment broker, like someone who who says,
Speaker 2: I'm going to invest your assets in these five categories
Speaker 2: and then we're going to get these returns at the
Speaker 2: end of the year. Like that's not this relationship. This
Speaker 2: is someone who literally is going to create Like we're
Speaker 2: going to tell her our goals him or her, here's
Speaker 2: our goals, here's what we earn. You help us come
Speaker 2: up with a step by step planned make. Tell us
Speaker 2: how much we need to be saving. Tell us, tell
Speaker 2: us how we can structure our finances so that we
Speaker 2: can both have joint accounts but then still have our
Speaker 2: own independent accounts, you know, and she's gonna look or
Speaker 2: he's gonna look at our holistic finances, you know, look
Speaker 2: at student loan debt, and and you know what our
Speaker 2: liabilities and what our assets are. And then tell us,
Speaker 2: here's how much house you can afford, or so much,
Speaker 2: here's how much down payment you can afford, and you
Speaker 2: should start saving this month a month, this much money
Speaker 2: a month, put it in this account to save it
Speaker 2: toward the down payment. That kind of advice I.
Speaker 1: See you almost like like like it's like getting like
Speaker 1: an accountant thin because when people think financial advisor, you know,
Speaker 1: sometimes when I read these books, it's like, well, if
Speaker 1: your financial advisor fees are more than what you're making
Speaker 1: a year, it's not a good investment. But I don't
Speaker 1: think like that when I'm hiring my accountant or hiring
Speaker 1: my lawyer or whatever. I'm more so thinking like, this
Speaker 1: is a professional person that I'm hiring to give me
Speaker 1: advice so I can move in the best direction possible.
Speaker 1: So separating like, okay, I like that.
Speaker 2: Definitely financial planner advisor they're counting is interchangeably, I guess
Speaker 2: in the best sense. This is like a financial planning
Speaker 2: It's called the X Y Planning Networks. They're all planners.
Speaker 1: Okay, okay, I like that.
Speaker 2: Yeah, well thanks, I feel that I got my affirmation.
Speaker 1: Then, don't even like somebody So I was at this
Speaker 1: thing called and this lady like so I told this
Speaker 1: to Mandy but I think it's fun and that, and
Speaker 1: someone recognized my voice and they were like, oh my god,
Speaker 1: are you Tiffany from the Brown Ambition podcast. And we
Speaker 1: were giggling, and I was like, you know, I'm just
Speaker 1: silly winning She was like, yeah, but Mandy's really funny too,
Speaker 1: but like low key, like she's like the straight man funny.
Speaker 1: I was like, what Mandy goes throws those jabs. You're like, ah, okay,
Speaker 1: I'll see you all right. So I think that we
Speaker 1: did a brown bray and I feel like, I don't
Speaker 1: know if we have any questions, but I feel like
Speaker 1: your financial brown boost kind of answered probably a question
Speaker 1: or two for someone.
Speaker 2: Do you have a quick question? Okay from a reader?
Speaker 2: And oh maybe I'll say this one. We might have
Speaker 2: a very special guest. We might have our very first
Speaker 2: brand Ambition listener, come on the podcast. I'm gonna tell
Speaker 2: you a little bit about her now, and I haven't
Speaker 2: even asked Tiffany for permission, but I'm just gonna, like,
Speaker 2: I have a feeling you'll like her. So we got
Speaker 2: an email from one of our listeners named Keana Hia.
Speaker 2: She's a therapist based in Houston, but she says she's
Speaker 2: had a bucket list goal to travel the world with
Speaker 2: her nine year old daughter, starting with the fifty States,
Speaker 2: to be completed by the time she's thirteen, so in
Speaker 2: the next four years, and then after that she's going
Speaker 2: to travel every year internationally to a different continent. So
Speaker 2: by the time her daughter is twenty she's seen the
Speaker 2: entire world. Is this not the best mom ever?
Speaker 1: Yeah?
Speaker 2: So, currently, Keiana and her nine year old little girl
Speaker 2: are on a road trip covering twelve states, primarily in
Speaker 2: the Midwest. Are going to Arkansas, Tennessee. That's not really
Speaker 2: the Midwest, but Okay, Missouri, Ohio, Okay, here we get
Speaker 2: in there, Indiana, Illinois, Wisconsin, Iowa, Kansas, and Oklahoma. And
Speaker 2: if you don't love her already, additionally, she says, we're
Speaker 2: doing community service and group activities with children and families
Speaker 2: along the way. They did Pacific Northwest Coast over the
Speaker 2: Christmas holiday, and they're planning on going to New England
Speaker 2: next summer. And I just love this email so much
Speaker 2: and like what she's doing for her daughter. So I
Speaker 2: thought we should have Kiana come to time talk about
Speaker 2: it on the show.
Speaker 1: Yeah, that would be awesome.
Speaker 2: I mean, how do you finance a trip like that,
Speaker 2: you know, and financially how is she planning it? And
Speaker 2: I mean her little Oh, we should have her daughter
Speaker 2: on too to tell us, you know, what she's learning
Speaker 2: along the way. That's awesome. And doing service too.
Speaker 1: No, that's awesome to travel and be of service. Yeah,
Speaker 1: that's those two things are great.
Speaker 2: I was just happy to go to four age camp
Speaker 2: for a week, right, right? We just like, how many
Speaker 2: episodes of Prices have price of right? No prices? Right?
Speaker 2: Did I watch between the ages of nine and thirteen,
Speaker 2: Probably like hundreds, because that's what I did with my
Speaker 2: free time.
Speaker 1: We used to There was used to be this camp
Speaker 1: that we'd walked to. It was called Recreation. If anybody
Speaker 1: all from Rose down, New Jersey, you remember Recreation.
Speaker 2: That's what the camp was called. They couldn't come up
Speaker 2: with anything better, you know.
Speaker 1: And at the time, I didn't realize that recreation was
Speaker 1: like like I didn't I didn't understand the meaning of
Speaker 1: the word recreation, and so I just thought that that
Speaker 1: was like a name like Mandy, like, oh, we go
Speaker 1: to recreation, Like, oh girl, that's.
Speaker 2: That's like someone put it in there does a place
Speaker 2: and they were like, I guess we'll just save it. Yeah.
Speaker 1: Oh. And when I got older and I said the
Speaker 1: word out loud, I was because I saw somebody who
Speaker 1: I went to camp with. I was like, I remember,
Speaker 1: we used to go to Recreation. Then I realized, wait,
Speaker 1: was that the name? That's terrible? And anyway, Yeah, so
Speaker 1: it was just really like a day camp. You would
Speaker 1: walk like three miles too, and you just play outside
Speaker 1: basically with like some like teens and like young adults
Speaker 1: watching you, making sure you didn't kill yourself, and then
Speaker 1: walk home so your parents could get a break from
Speaker 1: you in the summertime. But yeah, I learned how to
Speaker 1: play double dutch. I learned how to play checkers.
Speaker 2: Don't wonder, I wonder if I could still do double dutch.
Speaker 2: I was quite the cinder ella luster fella had a
Speaker 2: dress and something yell.
Speaker 1: No, I can't even. I was like, I moved right
Speaker 1: before I really got the hang of it. So we
Speaker 1: went from Roselle, which was like I would say it
Speaker 1: was it was a mixedtown, but I would say more
Speaker 1: brown than not. And then we moved to Westfield, which
Speaker 1: was like hardly any brown. And I was just learning
Speaker 1: how to double dutch this summer that move, so I
Speaker 1: clearly lost all my brown girl skills like miss Mary
Speaker 1: mac all the hand games, fly, oh my.
Speaker 2: God, slide to the left to the right, oh my god.
Speaker 1: Yeah, I'm like, I never heard that one. It's slide
Speaker 1: one one one two.
Speaker 2: Oh, okay, that's how you did in New Jersey. Well,
Speaker 2: in Georgia. Where you do that. Oh man, okay, I'm
Speaker 2: like doing it to myself, but no one's here.
Speaker 1: I like miss Mary mac Oh my god. There was
Speaker 1: so many fun games, like girl fun games that used
Speaker 1: to play.
Speaker 2: But yeah, so.
Speaker 1: Yes those days. So yeah, so that's awesome, right, that's
Speaker 1: awesome where her mom is doing for her.
Speaker 2: So shout out to Keana and yeah, I'd love to
Speaker 2: have you guys in the show. We're gonna be in
Speaker 2: touch Keana. So if you're listening on the rope with
Speaker 2: your daughter, we'll be in touch. Get you guys in
Speaker 2: the show soon. And we had a quick, super sexy
Speaker 2: question about mortgage. I wanted to answer from our listener Nina,
Speaker 2: who sent a question a couple of weeks ago, so
Speaker 2: I wanted to get to it real quick. So Nina
Speaker 2: and I says, it's the question kind of for her mom.
Speaker 2: She says, my mom has about forty seven thousand dollars
Speaker 2: left on her mortgage. She's lived in the same house
Speaker 2: since nineteen eighty seven and refinanced in nineteen ninety five
Speaker 2: after my dad passed away. She was in her she's
Speaker 2: in her eighties now and living on a fixed income.
Speaker 2: But every year, her mortgage payment goes up, and I
Speaker 2: believe it's at six percent interest. What are some options
Speaker 2: to reduce her monthly payment and interest rate? Should she refinance?
Speaker 2: I purchased a home last August at four point two
Speaker 2: five percent with a fourteen hundred dollars a month mortgage,
Speaker 2: and I put fifteen thousand dollars down? Should I refinance
Speaker 2: as the rates are lower now and hopefully I can
Speaker 2: get my monthly payment reduced. So two questions been onto one.
Speaker 1: Yeah, well, I'll say this. So my dad is in
Speaker 1: his mid seventies and they just refinanced the house because
Speaker 1: the rates were so much lower than when he was paying.
Speaker 1: He was able to lower his monthly him and his
Speaker 1: my mom's their monthly mortgage by like over two hundred dollars.
Speaker 1: Oh wow, yeah, so it was worth it. So it
Speaker 1: it made sense. You know, my dad's an accountant and
Speaker 1: he's like the brains behind the budgetista who taught me
Speaker 1: what I know. So at first I was thinking, aren't
Speaker 1: you been old to be refinancing? But because you know,
Speaker 1: he's got to fix it income my mom still works,
Speaker 1: it made sense. He did the max, he did the numbers,
Speaker 1: he asked all the questions, and he was like, you
Speaker 1: know what, I'm able to save over two hundred dollars
Speaker 1: a month. That's less money that comes out of my
Speaker 1: fixed income than I have. So it made sense.
Speaker 2: Rates are very low right now, and it makes it
Speaker 2: makes sense to especially if like so, if your mortgage
Speaker 2: is anything over like five percent, then I would say,
Speaker 2: heck yeah, get thee unto a bank to refinance. But
Speaker 2: if you don't, like one of my favorite things to
Speaker 2: send people, because my friend just asked me this on
Speaker 2: Twitter the other day and I just sent it him.
Speaker 2: I just sent it him, good Lord. I sent him
Speaker 2: to a smart Asset and bank Rate both have a
Speaker 2: really easy mortgage refinance calculator and it just kind of
Speaker 2: you put your numbers in and it tells you how
Speaker 2: much you stand to say by refinance, and it can
Speaker 2: really just kind of show you, you know, is it
Speaker 2: worth it doesn't? Does the numbers make sense?
Speaker 1: Yeah? Yeah, exactly, That's what I really it comes down to,
Speaker 1: do the numbers make sense? Asking about all of the
Speaker 1: fees at the end of the day, what am I
Speaker 1: going to be paying? My mother used to teach me
Speaker 1: that that when you're doing any sort of financial transaction.
Speaker 1: Get that last when I signed the paper's numbers because
Speaker 1: a lot of times, you know, there are all of
Speaker 1: these numbers that they throw at you, but when it
Speaker 1: all comes down to it and you look at the
Speaker 1: number at the end, it's not what you started with.
Speaker 1: So asking what is that end number? What am I
Speaker 1: really going to be paying a month as a result,
Speaker 1: Like what is my actual bill going to look like?
Speaker 1: And just making sure that it makes financial sense. Is
Speaker 1: your mother struggling financially? What's the you know? I don't know.
Speaker 1: Do you know the current interest rates right now? Mandy?
Speaker 2: I think there are a little over three percent?
Speaker 1: Right Ooh okay, I was thinking that so like your
Speaker 1: mother'd be that would cut her interest rate in half,
Speaker 1: So that would you know that might be a significant
Speaker 1: reduction in her monthly payment. But yeah, that's what i'd say.
Speaker 2: Current interest rates on a thirty year fixed mortgage as
Speaker 2: of July twenty seven, twenty sixteen, drum roll please, three
Speaker 2: point sixty three percent, fifteen year fixed two point eight
Speaker 2: nine percent. I'm a fan of the fifteen year margat
Speaker 2: HEO is you get that thing off your back?
Speaker 1: Yep?
Speaker 2: Great question.
Speaker 1: That's what I want to go for me and I'm Superman.
Speaker 1: We're just talking about like either I told him I
Speaker 1: don't want to live here anymore.
Speaker 2: I'm like, I'm over it, Like by Minny.
Speaker 1: I know. That's the only thing that keeps me here
Speaker 1: is that the community. It reminds me of what when
Speaker 1: I grew up, how it was, how families are. Like
Speaker 1: if I leave my lights on in the car, someone
Speaker 1: will knock on my door. Like when I'm bringing like
Speaker 1: the food in, the kids will help me bring the food,
Speaker 1: like random kids would be like woman to help. So
Speaker 1: they say, because you know they want those.
Speaker 2: Ice pops, He's gonna say, what's in it for them?
Speaker 1: I know, but they're so cute. And then like when
Speaker 1: I can I come in the backyard, all I hear
Speaker 1: is a chorus of Hey, Mis's cabday, you know, led
Speaker 1: by many that's Mis Tiffany. And so I will definitely
Speaker 1: miss because sometimes when you move deep into the suburbs,
Speaker 1: there's a lack of community feeling there where like here,
Speaker 1: you just it feels good when I come home, and
Speaker 1: I get that, but then there's also like it's still Newark,
Speaker 1: so there's some in where we live. It's like on
Speaker 1: the borderline of like downtown and the other part of town.
Speaker 1: And so there's like a lot of other elements that
Speaker 1: I'm just kind of like, Yeah, I think I want
Speaker 1: a little bit more quiet. Like, for example, I'm so
Speaker 1: shocked that we're taping right now. Usually by now someone
Speaker 1: is blasting their music on a huge speaker and you
Speaker 1: just have to deal all day long.
Speaker 2: It's gonna be so you know what it's like to
Speaker 2: live in Innwood.
Speaker 1: Yeah, basically, either that it depends whose barbecues that day.
Speaker 1: Is it the you know, the Dominicans next door, whether
Speaker 1: you're gonna hear some Spanish music, Is it the black
Speaker 1: folks across the way that you're gonna hear some you know,
Speaker 1: hip hop, R and B trap mus Is it sometimes
Speaker 1: three people are having a barbecue. So you just get
Speaker 1: like add.
Speaker 2: Confidence a nice word.
Speaker 1: I know, I learned it like a little while ago,
Speaker 1: and I like it. So yeah, so which I like
Speaker 1: in some ways, but in some ways, I'm like, I'm
Speaker 1: ready for some peace and quiet. Plus our place is
Speaker 1: too small. It's only a two bedroom and I really
Speaker 1: need office, man, And are.
Speaker 2: You see this is the We could do a whole
Speaker 2: episode on like how couples since I where to live,
Speaker 2: because this is the single most this is this is
Speaker 2: the only thing we've ever not agreed on where we're
Speaker 2: gonna move to. Because he's just like you, he's like,
Speaker 2: I'm sick of the noise. I mean everything you're talking about,
Speaker 2: the community to having people around. That's everything he hates
Speaker 2: right now about where we live because it's like everybody
Speaker 2: is always around and in your business, and they're like
Speaker 2: loud and it's dirty a year, you know what is nasty? Really,
Speaker 2: it's like it's such a it's such a it's it's
Speaker 2: an extreme example of like income inequality in New York City,
Speaker 2: I'll say real quick. So there's basically the one street
Speaker 2: that divides both halfs of inwood Or it's called Broadway.
Speaker 2: It's always Broadway right right, and on the one side
Speaker 2: near the nice parks, it's the it's the wealthier and
Speaker 2: more white side of town. And then we live on
Speaker 2: the other side, which is it's not so it's it's
Speaker 2: bordering the projects and it's it's all majority Latino, lower income,
Speaker 2: different side of stuff and the clubs and like very loud.
Speaker 2: There's there's a clash all the time between the higher
Speaker 2: income side and Broadway and like the lower income side,
Speaker 2: who's trying to preserve their you know, how the neighborhood
Speaker 2: has always been and resisting what it's becoming. It's kind
Speaker 2: of interesting to like live here during this time when
Speaker 2: when those two sides are clashing against each other. But yeah,
Speaker 2: fiance is ready to get the hell on out of here,
Speaker 2: And I don't know if I'm ready to leave the
Speaker 2: city yet.
Speaker 1: I know, And I mean it's so because it's so convenient,
Speaker 1: like honestly, like the train station to New York, the
Speaker 1: fifteen minute train is not even across the street. It
Speaker 1: is a three minute walk like right on right next door,
Speaker 1: So getting to the train is so easy. Plus living
Speaker 1: downtown the airport is like a seven minute drive to
Speaker 1: an international airport. So I don't know that we'd leave Newark.
Speaker 1: I just don't know if I want to live here.
Speaker 1: So it's weird because he, you know, Superman has lived
Speaker 1: like in basically the hood his whole life, so he
Speaker 1: he has never lived in the suburb, So I don't
Speaker 1: know how he's going to react to not having his
Speaker 1: boys so close, you know what I mean. He's used
Speaker 1: to that community feel and I've had both, and I
Speaker 1: do enjoy the community feel, but I'm also like, ugh,
Speaker 1: I need a break. So I'm thinking that the compromise
Speaker 1: will be that we'll live in Newark, but maybe like
Speaker 1: there's really nice, beautiful sections kind of like around so
Speaker 1: it's like not quite near like the busier section. So plus,
Speaker 1: Supergirl goes to a really great school here, and I
Speaker 1: know he wants to keep her in that school. So
Speaker 1: I mean, I'm willing to compromise because I don't mind
Speaker 1: the city. I just want more space and I want
Speaker 1: more green less buildings that makes me happys In Jersey,
Speaker 1: there are oh my god, you have no idea. There's
Speaker 1: a park that's like maybe like a fifteen minute walk
Speaker 1: but not even from where I live. It's like one
Speaker 1: of my favorite places to go, think Branch Poot Park,
Speaker 1: and it is so pretty. There are parks that I've
Speaker 1: discovered that I'm like, where am I like eighteenth century England?
Speaker 1: It looks like the Rambling Bush. It's so beautiful, honestly,
Speaker 1: and so I'm feeling like I would love to live
Speaker 1: that way because the park is right there, but that's
Speaker 1: part of Newark. North Newark good luck or or Bath.
Speaker 1: It is expensive.
Speaker 2: That's another speaking like extreme income very differences, like Newark's
Speaker 2: a prime example too.
Speaker 1: Mm hmm. You've got more million dollar houses and then
Speaker 1: like ten minute drive later, you've got like, you know,
Speaker 1: the project buildings.
Speaker 2: Side note, you need to watch Viceland's new series with
Speaker 2: Michael kay Williams. He played Omar on The Wire. Okay,
Speaker 2: do you ever watch The Wire? No, he's just like,
Speaker 2: he's just a beautiful, beautiful man, Michael kay Williams. Anyway,
Speaker 2: so he was on Boardwalk Empire. He's from. He lived
Speaker 2: in Newark a lot while he was coming up and
Speaker 2: while he was becoming famous with The Wire and everything,
Speaker 2: and anyway, so he hosts a new show called The
Speaker 2: Black Market on Viceland, and I was just watching it
Speaker 2: last night. In the first episode that I saw, anyway,
Speaker 2: was in Newark looking at the carjacking phenomenon and how
Speaker 2: dangerous it's become. And it's because you have all this
Speaker 2: temptation being near the really expensive part of town aligned
Speaker 2: with the really poor part of town, and then the
Speaker 2: you know, the kids there who don't have any you know,
Speaker 2: any resources or any jobs or whatever, or just doing
Speaker 2: really dangerous things and going and boosting these cars, not
Speaker 2: just boosting but like carjacking with guns. I digress, But
Speaker 2: do you think you'd like it it's about Newark?
Speaker 1: No, No, I would, And I'm just like, wow, I didn't.
Speaker 1: I hadn't heard it. I mean, like I've definitely obviously
Speaker 1: you hear the violence stuff. Just the other day, like
Speaker 1: not even the other day. Yesterday at eleven am, a
Speaker 1: dude stabbed his wife like in our complex, well like
Speaker 1: because our complex is really biggest, three hundred like townhouses.
Speaker 1: But I was like, Superman, it's time to go because
Speaker 1: I'm like, what in the hell. And yeah, so just
Speaker 1: knowing that these like like carjackings, all those all this stuff,
Speaker 1: and of course nowhere you go is exempt, but in
Speaker 1: every place you go has issues and problems. But there's
Speaker 1: just certain issues that you're you're wanting to trade out
Speaker 1: for others, you know.
Speaker 2: Yeah, if I could bring it back weight forgot to answer. Well,
Speaker 2: one of the questions she also had with this, how
Speaker 2: do we start talking about all this with mortgage questions?
Speaker 2: Sorry girl, sorry Nina girl. Well, this one question is
Speaker 2: should she refinance? If so, should she go to a
Speaker 2: bank or a credit union? You definitely want to shop
Speaker 2: around for the best rate first, and credit unions can
Speaker 2: be very kind with their rates. They're able to give
Speaker 2: lower rates because they don't spend a lot on marketing
Speaker 2: and all that kind of crap and fees. So my my,
Speaker 2: my inclination is to start with a credit union or
Speaker 2: a local bank first.
Speaker 1: But Chapara, you just never know because you know, it's
Speaker 1: like going to different places to buy clothes. Yes, you
Speaker 1: know that traditiontion only Macy's is more expensive than Old Navy,
Speaker 1: but Macy's might be having a huge sale that day,
Speaker 1: you know, So just shopping around and making sure that
Speaker 1: you get the best free and asking that question. Like
Speaker 1: when I bought my home, I was like twenty five,
Speaker 1: but one of the things I asked was, when it's
Speaker 1: all said and done, what is my bill going to
Speaker 1: look like? Because they would give you all these random
Speaker 1: numbers and net okay, so what is my monthly bill
Speaker 1: going to I need that number because you can give
Speaker 1: me a super low rap, but there are all these
Speaker 1: other fees and P and I and blah blah blah.
Speaker 1: So I was able to make a decision based upon
Speaker 1: what my actual bill was going to look like, and
Speaker 1: when I got it That's exactly.
Speaker 2: What it was. Is that so danger to when you
Speaker 2: are refinancing that they're gonna, like you want to lower
Speaker 2: your monthly payment, so they might put you in a
Speaker 2: longer term loan, But won't that like couldn't that eventually
Speaker 2: make you spend more in interest over the long term,
Speaker 2: because like your payment might look smaller, their monthly payment
Speaker 2: might look smaller, But if you're stretching out how long
Speaker 2: you're making those payments, you could end up spending more
Speaker 2: just the same like in the same way. So there's
Speaker 2: a lot of different for.
Speaker 1: Numbers to ask for it. You're right, no, for sure,
Speaker 1: asking like, okay, what's my monthly payment going to be?
Speaker 1: And in the end, what am I going to end
Speaker 1: up spending and paying for this house? So just getting
Speaker 1: all of your numbers, like and just making sure that
Speaker 1: you're okay with those numbers, because you're right, the longer
Speaker 1: you pay on something it could raise how much you
Speaker 1: end up paying for the thing itself. That lower payments
Speaker 1: don't necessarily equal less money in the long run.
Speaker 2: Yes, And that was she has a mortgage, So personally
Speaker 2: she had a mortgage at four point two five percent,
Speaker 2: which is not bad, but it's not as good as
Speaker 2: some of the other lower rates. Even shaving a percentage
Speaker 2: point off your mortgage can make a big difference, or
Speaker 2: like half a percentage points when you're talking about a
Speaker 2: thirty year more, it's a lot of money you could save.
Speaker 2: She did get the mortgage last August. I think you
Speaker 2: have to wait at least like six months before you
Speaker 2: can really take to refinance your mortgage. What is like
Speaker 2: six to eight months at least, So the fact that
Speaker 2: it's been so soon might be an issue, but it's
Speaker 2: about actually it's August. Oh my god, it's about to
Speaker 2: be August. She's sign it for a year. Okay, you
Speaker 2: probably can. Holy crap, my birthday is coming. Eh, twenty nine.
Speaker 2: I've already started saying I'm twenty nine because it sounds
Speaker 2: like a nice age.
Speaker 1: I like it. I'll get you claiming it before it's
Speaker 1: hee it.
Speaker 2: I've been because it's like it's just exhausting to say
Speaker 2: I'm twenty eight. But in a month, you know, when
Speaker 2: you go the dentist, I'm like, how old are you?
Speaker 2: I'm like, ah, twenty nine, own it, live it, leerve it.
Speaker 1: I'm about to be thirty. It's so weird. Saying thirty seven.
Speaker 1: I'm like, who's that? Wait? Is that me? Oh my god?
Speaker 2: I love ages that end in seven. I had the
Speaker 2: biggest party for my twenty seventh birthday.
Speaker 1: You such overirdo. She I love ages that end in seven.
Speaker 2: I do getting married on the seventh and twenty seventeen.
Speaker 2: I just like the number seven.
Speaker 1: Because honestly, it's I'm not gonna lie, it's my favorite number.
Speaker 1: So I'm teasing you, but it's my favorite number.
Speaker 2: I'm thirty, you know, lucky seven. Thirty seven could be
Speaker 2: a big birthday. Not sure what could happen. I know,
Speaker 2: I feel like you should have a party though, and
Speaker 2: get everyone he loves I know in the room right.
Speaker 1: Probably going to be like a birthday party. I'm like,
Speaker 1: just come get it.
Speaker 2: Get a manicure too, just in case.
Speaker 1: I do know you already know I am. I'm gonna
Speaker 1: get a manicure and my faith beat professionally because you
Speaker 1: have pictures. Gerald's gonna be like really, I mean, it's gonna.
Speaker 2: Be like really looking like Oprah. Yes, I'm ready, I'm here.
Speaker 1: And he's like, and you know, here's a teddy Bear,
Speaker 1: Like that's not That's not what I find out.
Speaker 2: For Oh, that's the saddest image you and your pageant
Speaker 2: make doing like during the wave, like the Princess pageant wave,
Speaker 2: and I'm being given a teddy bear, I know, right, like,
Speaker 2: oh okay, still having to be graceful about it, because
Speaker 2: you're a beauty queen exactly.
Speaker 1: Like No, even all my friends and family are, They're like,
Speaker 1: so that was kind of a let down. No, but
Speaker 1: it's all good though, all right. So you want to
Speaker 1: end any any last win, or you want to end
Speaker 1: with a book suggestion.
Speaker 2: I'm gonna end with the win, which is going to
Speaker 2: be flow us to speech, and it's going to be
Speaker 2: a reminder that we should all do our civic duty
Speaker 2: and go watch Michelle Obama's entire speech on a Internet
Speaker 2: connection near you. You will thank me for it. You're
Speaker 2: welcome in advance.
Speaker 1: And I'm going to end with a book suggestion, although
Speaker 1: I have not read it, but I one of my
Speaker 1: great friends she's got this black bridle brand, well women
Speaker 1: of color bridle brand called Wunnaluchi Bridle, and I saw
Speaker 1: her post it on social media, so I bought it.
Speaker 1: It's called Contagious Why Things Catch On, and it looks
Speaker 1: really good. I'm excited to read because I love marketing books.
Speaker 1: And so if you have a business or you're just
Speaker 1: trying to you know, you just like reading. I don't
Speaker 1: know marketing books like I do. Doesn't I know, but
Speaker 1: I read It's got really great reviews, and so I'm
Speaker 1: excited to read it. I'll report back. But ye have
Speaker 1: contagious why things catch on, And we're gonna start like
Speaker 1: you know, so me and Mandy are gonna start sharing
Speaker 1: our resources and some of you guys will like tweet
Speaker 1: us some stuff and ask about them. So we're gonna
Speaker 1: start giving you guys the links to the resources we
Speaker 1: mentioned in on our on our website. What's our website again?
Speaker 1: Broun Ambition podcast dot com?
Speaker 2: Whoa click? You don't even know us? Did I say
Speaker 2: it right around Ambition podcast dot com?
Speaker 1: So if you ever hear something on the show and
Speaker 1: you're like, wait, what was that, Well, we'll be sharing
Speaker 1: the links and stuff. We'll have like a little resource section.
Speaker 2: Yes we will. I agree with that. I'm gonna do that.
Speaker 2: Yes thing there