WEBVTT - Ep. 47 — The FLOTUS with the Mostus

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<v Speaker 1>Hey, hey, Hey, am back and we're back. I wish

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<v Speaker 1>you could see my shoulder prop right now, Mandy.

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<v Speaker 2>I've felt it in your voice so like she's shoulder popping.

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<v Speaker 1>I am.

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<v Speaker 2>It's a freaking weekend, baby, I'm about to have me

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<v Speaker 2>some family friendly fun events having We have a lot

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<v Speaker 2>of stuff. We have our well, my new cousin, he's

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<v Speaker 2>my cousin. I'm just considering it. My cousin's having a

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<v Speaker 2>housewarming and Yonkers, beautiful exotic Yonkers. Actually, he and his

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<v Speaker 2>wife shout out to Denny and Ysa are like our

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<v Speaker 2>biggest fans, Like they know more about me from the podcast.

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<v Speaker 2>Like if I have a message for them, basically, I

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<v Speaker 2>should give it to them in the podcast because they're

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<v Speaker 2>always like, oh man, so hi, they're doing a housewarming

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<v Speaker 2>and they are a little boy he just turned two

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<v Speaker 2>years old, as like the most adorable little golden nugget ever.

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<v Speaker 2>His name is Santiago. I'm putting all their business out there.

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<v Speaker 1>I know, sad name is so adorable too, Like I

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<v Speaker 1>could just see, hey, Santiago, I know, we.

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<v Speaker 2>Call a little santi And they have number two on

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<v Speaker 2>the way.

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<v Speaker 1>I know.

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<v Speaker 2>So it's about to be a full house and he'saa,

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<v Speaker 2>like I could gush about her forever. She's like a

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<v Speaker 2>badass high school principal. She actually is a principal downtown.

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<v Speaker 2>I'm putting all her business out, but I don't care.

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<v Speaker 2>One time I had dinner with you, Sora, and she's like,

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<v Speaker 2>you know, uh, She's like, I really want to night

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<v Speaker 2>with the girls. You know, let's go to this great

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<v Speaker 2>taco place in my neighborhood. And we all met up

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<v Speaker 2>and suddenly she's a little bit older than me, and

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<v Speaker 2>suddenly I was at a table with like four principal superintendents.

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<v Speaker 2>It was like the most trippy experience of my life.

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<v Speaker 2>Like you really, as you're old, when you're like having

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<v Speaker 2>dinner with someone you used to fear.

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<v Speaker 1>Oh right, it's like all of these people who had

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<v Speaker 1>the power to put you in attention. Yeah ye, Sor

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<v Speaker 1>you know, Mandy needs it sometimes.

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<v Speaker 2>Oh my god, two babies. I can't even thaw them one.

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<v Speaker 1>I know. Whenever I see people with like their kids,

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<v Speaker 1>especially if I babysit or whatever, and then I go home,

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<v Speaker 1>I'm like, oh my god, they don't get to go home.

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<v Speaker 1>This is home.

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<v Speaker 2>They don't get to get that baby back.

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<v Speaker 1>I know, it seems like so much. I mean, that's

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<v Speaker 1>why they make God makes babies so darn cute. Because

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<v Speaker 1>just when you're like, I can't do this anymore, the

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<v Speaker 1>baby looks like looks at you like, yes you care,

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<v Speaker 1>look at this face? No?

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<v Speaker 2>But do you know what I And maybe I'm a

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<v Speaker 2>negative Nancy, but do you know what I always think

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<v Speaker 2>about when I see how much parents like, see parents

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<v Speaker 2>gushing over their babies and whatever. I always think, But

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<v Speaker 2>but that baby's gonna hate you in like fifteen years.

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<v Speaker 2>That baby's like gonna be a little brat and like

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<v Speaker 2>it's gonna wreck the car and stay out too late

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<v Speaker 2>and like miss their curfew. Then they're gonna be like

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<v Speaker 2>thirty and they're gonna start trying to boss you around

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<v Speaker 2>about your health and what you do with your life,

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<v Speaker 2>like I did with my mom. Sometimes my mom, I'm like,

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<v Speaker 2>why do you like me? I'm such a brat.

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<v Speaker 1>She's like, I push you out, so you know we've

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<v Speaker 1>got a bond.

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<v Speaker 2>Yay to Mommy's right. Yes, And then we have a

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<v Speaker 2>surprise birthday tonight, and then tomorrow one of my one

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<v Speaker 2>of my really dear friends from Nebraska is visiting the

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<v Speaker 2>big old city in New York.

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<v Speaker 1>Have they ever been to New York before?

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<v Speaker 2>Yeah? Thank god, because that means I'm not going to

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<v Speaker 2>end up doing like the you know, Times Square and

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<v Speaker 2>all that kind of stuff. I'm always I'm here for

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<v Speaker 2>friends when they visit, for all the meals, like I'll

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<v Speaker 2>meet you for brunch, for dinner, like I will be

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<v Speaker 2>your meal tour tour guide. I'm down for that. But first, first,

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<v Speaker 2>first mention. I hear of Statue Liberty and I'm like,

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<v Speaker 2>out the door, here's a camera buy Yep. So it'll

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<v Speaker 2>be it'll be a packed weekend, but fun.

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<v Speaker 1>So I've got some news, but I'm hesitant to share

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<v Speaker 1>it because I'm like some of some of our podcast listeners.

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<v Speaker 1>They might know Superman. If you do, you have, you

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<v Speaker 1>had better keep your mouth shut if you know Superman.

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<v Speaker 1>So I was talking to Superman the other day and

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<v Speaker 1>I was telling him one of my really great friends, Madeline.

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<v Speaker 1>She's got this business called traveling mad and she travels

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<v Speaker 1>all over the world and once a year we don't

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<v Speaker 1>even like we live in the same town, but we

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<v Speaker 1>never hang out. But when it comes comes to travel,

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<v Speaker 1>like that's like my favorite travel buddy. So she hit

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<v Speaker 1>me up the other day was like, paytive, it's time

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<v Speaker 1>for our birthday, you know trip. We usually go in

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<v Speaker 1>October because we're both born in October, you know, and

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<v Speaker 1>so she said, you know, let's go. We're thinking between

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<v Speaker 1>Thailand or Iceland.

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<v Speaker 2>And two very different lambs, I know.

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<v Speaker 1>So anyway, she texted me and I was telling him.

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<v Speaker 1>I was like, oh, Superman, you know my birthday trip

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<v Speaker 1>this year is either going to be Thailand or Iceland.

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<v Speaker 1>And he was like, you're gonna be away on your

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<v Speaker 1>birthday and I was like what he was like? He

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<v Speaker 1>was just looking so disappointed. I was like, no, no, no, no,

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<v Speaker 1>We're gonna take it later in November because that's the

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<v Speaker 1>time she has off from work. He was like, oh,

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<v Speaker 1>he looked so relieved, and you know, me, Nosey Wolsey

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<v Speaker 1>was like in my mind, I was like, but I

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<v Speaker 1>did say anything. I just thought to myself, that seems curious.

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<v Speaker 1>And then this is like put the nail in the coffin.

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<v Speaker 1>I'm like, trying to not talk too loud. The Superman

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<v Speaker 1>is in the other room. So last night we were

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<v Speaker 1>talking and he was like, you should have a party

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<v Speaker 1>this year for your birthday. Randomly mean while I'm turning

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<v Speaker 1>thirty seven, cause like thirty seven, that's not And I

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<v Speaker 1>was like, why, Like it's not it's not a major

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<v Speaker 1>milestone birthday and I don't ever have birthday parties. He's like,

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<v Speaker 1>you should just have a party. You should bite everybody.

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<v Speaker 1>And I was like and it took me a moment.

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<v Speaker 1>I'm all slow, and I'm like, I don't know. Then

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<v Speaker 1>I was like, wait, I think I might a you

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<v Speaker 1>know what that means. So I'm not gonna say that

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<v Speaker 1>loud because I'm just claiming it internally.

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<v Speaker 2>That knock on some wood, Yes, da knock. He's like,

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<v Speaker 2>wouldn't it be cool if you just had all your

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<v Speaker 2>family friends and all your loved ones all around you

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<v Speaker 2>in a circle, and like if you were really nice

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<v Speaker 2>dress and got your nails done.

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<v Speaker 1>Yeah, and then if you don't go away on your

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<v Speaker 1>birthday like you normally do in your home. Yeah.

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<v Speaker 2>And I was like, look, yeah, you got too big.

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<v Speaker 2>I had no idea what was coming, man, you have

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<v Speaker 2>two big like two big signs.

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<v Speaker 1>I know. I think that he thought that he was

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<v Speaker 1>giving like slick signs because I was looking because I'm like,

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<v Speaker 1>what is he talking about? When do you care that

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<v Speaker 1>you know I'm not home on my birthday because I

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<v Speaker 1>always go away like usually on my birthday during the week,

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<v Speaker 1>you know, because he's not big, big, big on traveling.

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<v Speaker 1>So I'm like, since one is he? Oh so I

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<v Speaker 1>already got a cue up, queue up the best friend, Like,

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<v Speaker 1>I'm gonna need you to make a phone call because

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<v Speaker 1>I don't want him to do this alone.

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<v Speaker 2>Oh yeah, yeah, yeah, I mean, I just though that's

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<v Speaker 2>what I did. I put my friend, I put I

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<v Speaker 2>gave my my confidante a Pinterest board with my what

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<v Speaker 2>I liked, and I was like, you now have the

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<v Speaker 2>key to what much to what I need? Deliver it

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<v Speaker 2>unto him when he asks me.

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<v Speaker 1>You know, I was like, do you have Drenda's number?

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<v Speaker 1>Dream his number? I don't ways dream that. Here's it.

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<v Speaker 1>Just call me, okay, just check it in on you.

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<v Speaker 2>So she may have already been in talks with them.

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<v Speaker 1>You never know she would have told me.

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<v Speaker 2>But here's my advice to you. Stop looking for stop

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<v Speaker 2>stop looking for signs now. Because I really wanted to

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<v Speaker 2>be special and I almost ruined it for myself a

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<v Speaker 2>couple of times by bye, by like fake snooping, like

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<v Speaker 2>I'm not really snooping. His computer's just so open. I'm

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<v Speaker 2>just gonna see. I'm just gonna check my email on

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<v Speaker 2>his computer. It's closest to me, so it all makes sense.

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<v Speaker 2>And oh it's emails up. I'm just gonna sign out.

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<v Speaker 2>Oh my eyes just passed over that night now.

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<v Speaker 1>But you know, I know, right, I know, because it

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<v Speaker 1>will be terrible for like, I mean, I know he

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<v Speaker 1>wants me to be surprised on my birthday. Well look

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<v Speaker 1>at me. I'm all claiming it, like yeah, girl. Meanwhile,

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<v Speaker 1>my birthday will come and past, and I'm like, so

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<v Speaker 1>I had a party, Mandy, it was great. I got

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<v Speaker 1>a Teddy Bear.

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<v Speaker 3>Yeah.

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<v Speaker 2>Oh man, He's got to know that though every holiday

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<v Speaker 2>for the next year, you will be some part of

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<v Speaker 2>you will wonder if it's gonna be it, and then yeah,

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<v Speaker 2>we'll get it over with. No right, put it out

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<v Speaker 2>of misery, superman.

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<v Speaker 1>I know, come on, so we can move on and

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<v Speaker 1>make this baby happen. You know that.

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<v Speaker 2>I want to segue because did you watch the DNC

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<v Speaker 2>this week any of the speeches.

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<v Speaker 1>I'm not gonna lie no, because I don't know my spirit.

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<v Speaker 1>I know my spirit was rocked with what I did

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<v Speaker 1>see of the RNC, and I was just like, I'm

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<v Speaker 1>gonna take you No.

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<v Speaker 4>That was the perfect cure for your RNC blues. You

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<v Speaker 4>didn't watch Michelle's speech. I didn't watch Obama's speech or

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<v Speaker 4>I was.

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<v Speaker 1>Gonna watch it later because I was just like I

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<v Speaker 1>was over politic that. I was like, I'm gonna take

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<v Speaker 1>a break from politics.

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<v Speaker 2>I'm not like if any of you guys are feeling

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<v Speaker 2>the racial syndrome, what is that fatigue that aquila, you know,

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<v Speaker 2>racial discussion, disease fatigue or whatever. This will get This

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<v Speaker 2>will give you back the life that you've lost Like this,

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<v Speaker 2>and it's not just the face, So you have mean

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<v Speaker 2>a Michelle Obama opened up the convention on Monday, was like,

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<v Speaker 2>what is going to go down in history as one

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<v Speaker 2>of the most extraordinary speeches in Florida's history.

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<v Speaker 3>That is the story of this country, the story that

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<v Speaker 3>has brought me to the stage tonight, The story of

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<v Speaker 3>generations of people who felt the lash of bondage, the

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<v Speaker 3>shame of servitude, the sting of segregation, but who kept

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<v Speaker 3>on striving and hoping and doing what needed to be

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<v Speaker 3>done so that today I wake up every morning in

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<v Speaker 3>a house that was built by slaves, and.

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<v Speaker 1>I watch my.

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<v Speaker 3>Daughters, two beautiful, intelligent black young women, playing with their

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<v Speaker 3>dogs on the White House lawn and be And because

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<v Speaker 3>of Hillary Clinton, my daughters and all our sons and

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<v Speaker 3>daughters now take for granted that a woman can be

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<v Speaker 3>president of the United States. So look, so don't let

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<v Speaker 3>anyone ever tell you that this country isn't great, that

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<v Speaker 3>somehow we need to make it great again, because this

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<v Speaker 3>right now is the greatest country on earth.

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<v Speaker 2>Oh, it's amazing. And then I mean, of course President

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<v Speaker 2>Obama gave a stellar speech. I think that was on Wednesday,

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<v Speaker 2>But it wasn't even just the famous people. It was

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<v Speaker 2>there is a man, a Muslim man who gave a speech.

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<v Speaker 2>And so he's standing there and he's talking about his

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<v Speaker 2>son who's Muslim and fought and fought on the side

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<v Speaker 2>of America in the Iraq War and died in two

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<v Speaker 2>thousand and four. And he just gave this incredibly moving speech.

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<v Speaker 2>And he, you know, talks to Donald Trump and he's like,

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<v Speaker 2>you know, at one point he asked, have you read

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<v Speaker 2>the Constitution? I can give you a copy of mine.

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<v Speaker 2>It talks about liberty for all. And it was such

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<v Speaker 2>just like the answer to all the hate and all

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<v Speaker 2>the fear mongering and all the lies that we've been

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<v Speaker 2>hearing on the other side, like just so good. And

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<v Speaker 2>then there was performances Alicia Keys, Lenny Kravitz, Andre Day

0:11:41.080 --> 0:11:45.720
<v Speaker 2>did rise up telling you it was it was good stuff.

0:11:46.040 --> 0:11:48.120
<v Speaker 2>And then of course Miss Hills won the nomination, and

0:11:48.120 --> 0:11:50.000
<v Speaker 2>then that was like historic moment and it's in and

0:11:50.040 --> 0:11:53.600
<v Speaker 2>of itself, yeah, for sure. And in that fly little

0:11:53.600 --> 0:11:54.480
<v Speaker 2>white suit.

0:11:55.040 --> 0:11:56.960
<v Speaker 1>Did you see the there was like a meme that

0:11:57.000 --> 0:11:59.439
<v Speaker 1>was hilarious. It was like it was a little white Boy.

0:11:59.480 --> 0:12:02.560
<v Speaker 1>It's a cartoon of these three kids standing side by side,

0:12:02.559 --> 0:12:04.840
<v Speaker 1>a little white boy, and underneath it says, I know

0:12:04.920 --> 0:12:06.839
<v Speaker 1>I could be president, and at the bottom it says

0:12:07.120 --> 0:12:09.720
<v Speaker 1>since seventeen sixteen, and there's a little black boy in

0:12:09.760 --> 0:12:11.800
<v Speaker 1>the middle, I know I could be president, and at

0:12:11.800 --> 0:12:14.400
<v Speaker 1>the bottom it says since two thousand and eight, and

0:12:14.440 --> 0:12:16.560
<v Speaker 1>then the little girl, I know I could be president

0:12:16.720 --> 0:12:20.800
<v Speaker 1>since yesterday. And I just thought that was like, wow,

0:12:20.960 --> 0:12:21.880
<v Speaker 1>isn't that so crazy?

0:12:22.720 --> 0:12:25.400
<v Speaker 2>It took forever? But I'm so, you know what, forget

0:12:25.400 --> 0:12:29.920
<v Speaker 2>what I mean. I'm actually like I am team Hillary,

0:12:30.000 --> 0:12:32.840
<v Speaker 2>but I and you know, I hear all the haters

0:12:32.880 --> 0:12:34.600
<v Speaker 2>and like whatever, but like you just have to sit

0:12:34.640 --> 0:12:37.800
<v Speaker 2>back and appreciate the moment, like first woman in history,

0:12:38.320 --> 0:12:40.920
<v Speaker 2>not just to be to be and you know she

0:12:40.920 --> 0:12:42.800
<v Speaker 2>could be the first woman president, but just the fact

0:12:42.800 --> 0:12:45.120
<v Speaker 2>that she was nominated the first to be nominated for

0:12:45.200 --> 0:12:48.640
<v Speaker 2>president for people to say you are worthy of being president,

0:12:48.679 --> 0:12:50.880
<v Speaker 2>and she had to work harder than any like is

0:12:50.920 --> 0:12:53.200
<v Speaker 2>her Like, come on, I love Obama like everyone else,

0:12:53.559 --> 0:12:56.000
<v Speaker 2>huge Barack Obama fan. I voted for him, but like

0:12:56.240 --> 0:12:59.040
<v Speaker 2>her resume, like and he even said it during his speech,

0:12:59.120 --> 0:13:01.319
<v Speaker 2>she is more qualified than he is to be president.

0:13:01.400 --> 0:13:04.320
<v Speaker 2>And it's true. And it's crazy that she's sort of

0:13:04.400 --> 0:13:06.840
<v Speaker 2>you know, punished almost for her for the breath of

0:13:06.880 --> 0:13:09.760
<v Speaker 2>her experience and the breath of her time in Washington

0:13:09.800 --> 0:13:11.960
<v Speaker 2>and you know how long she's been a public servant.

0:13:11.960 --> 0:13:15.280
<v Speaker 2>But you just can't knock her resume, like give her

0:13:15.320 --> 0:13:15.920
<v Speaker 2>some respect.

0:13:16.240 --> 0:13:18.480
<v Speaker 1>And also too, you know they knock it because she's

0:13:18.520 --> 0:13:21.080
<v Speaker 1>not It's so crazy because she was like this like

0:13:21.679 --> 0:13:25.640
<v Speaker 1>super smiling, hey girls, kind of girl like it's almost

0:13:25.679 --> 0:13:27.800
<v Speaker 1>like people don't people are like she doesn't smile less,

0:13:27.840 --> 0:13:29.680
<v Speaker 1>she's not as warm, but if she was warm and

0:13:29.760 --> 0:13:32.680
<v Speaker 1>super smiling, you'd say she's not serious. Yeah, and since

0:13:32.679 --> 0:13:34.680
<v Speaker 1>when the women have to smile and make you feel good?

0:13:34.679 --> 0:13:36.480
<v Speaker 1>Like I hate that girl smile. I know I have

0:13:36.559 --> 0:13:38.679
<v Speaker 1>resting bitch face. Take it.

0:13:39.080 --> 0:13:41.400
<v Speaker 2>I'm sure Hillary that just stuff rolls off her pants

0:13:41.440 --> 0:13:45.199
<v Speaker 2>to shoulders, like she has probably heard that her entire life, right,

0:13:45.320 --> 0:13:48.080
<v Speaker 2>I feel like she can take it, like she she's

0:13:48.120 --> 0:13:51.120
<v Speaker 2>heard all the sexist remarks. She's been the only the

0:13:51.160 --> 0:13:53.640
<v Speaker 2>only woman in the room. She's been on Capitol Hill,

0:13:53.760 --> 0:13:56.680
<v Speaker 2>like she's been the wife, you know, watching her husband

0:13:56.760 --> 0:13:59.439
<v Speaker 2>cheat on her the public eye, like she's been that.

0:13:59.480 --> 0:14:03.640
<v Speaker 2>She's been everything. She's been the grandmother, she's been secretary

0:14:03.679 --> 0:14:05.679
<v Speaker 2>of State, Like what else do we want from her?

0:14:05.720 --> 0:14:11.520
<v Speaker 2>Give her the job? But I there was one moment

0:14:11.520 --> 0:14:14.000
<v Speaker 2>everyone started talking about, you know, cross apart from the speeches.

0:14:14.040 --> 0:14:17.439
<v Speaker 2>But so it is, you know, Milanio Trump, Malania Trump,

0:14:17.440 --> 0:14:20.840
<v Speaker 2>you know how she was found to have plagiarized Mama

0:14:20.880 --> 0:14:24.920
<v Speaker 2>Michelle's speech. Right, So Milania Trump, if you don't know,

0:14:24.920 --> 0:14:26.960
<v Speaker 2>if you're living under a rock, basically gave her big,

0:14:27.000 --> 0:14:31.160
<v Speaker 2>her big potential floatus moment and gave a speech about

0:14:31.160 --> 0:14:33.840
<v Speaker 2>how she you know, was an immigrant and you know,

0:14:33.840 --> 0:14:37.040
<v Speaker 2>the American dream, and turns out she plagiarized like a

0:14:37.080 --> 0:14:39.600
<v Speaker 2>big chunk of Michelle Obama's speech from two thousand and

0:14:39.680 --> 0:14:44.160
<v Speaker 2>eight or whenever, the before Obama was elected. Anyway, Milania

0:14:44.240 --> 0:14:46.880
<v Speaker 2>was wearing this like very you know, all white, kind

0:14:46.920 --> 0:14:51.800
<v Speaker 2>of puffy sleeved supermodel dress. And what don't you know,

0:14:52.040 --> 0:14:55.120
<v Speaker 2>at the end of the convention, this representative from Ohio,

0:14:55.440 --> 0:14:59.960
<v Speaker 2>Representative Beauty don't forget her name, Representative Joyce Beauty of Ohio,

0:15:00.440 --> 0:15:02.720
<v Speaker 2>gave her own speech in support of Hillary, wearing the

0:15:02.720 --> 0:15:05.520
<v Speaker 2>exact same dress and represented just to paint a picture,

0:15:06.080 --> 0:15:09.240
<v Speaker 2>she is a beautiful black woman of a certain age

0:15:09.680 --> 0:15:14.240
<v Speaker 2>with glistening like glowy silver, salt and pepper hair, perfectly

0:15:14.240 --> 0:15:18.200
<v Speaker 2>curled with pearls and pearl jewelry and just like pearl earrings,

0:15:18.200 --> 0:15:21.720
<v Speaker 2>looking fabulous and wearing the exact same dress that Milannia wore.

0:15:21.800 --> 0:15:25.440
<v Speaker 2>This like super you know, more traditional like supermodel type woman.

0:15:26.560 --> 0:15:29.840
<v Speaker 2>And then after this speech she's like, oh, did Malania

0:15:29.880 --> 0:15:34.600
<v Speaker 2>wear this? So I didn't realize, ah, And she said,

0:15:34.880 --> 0:15:36.400
<v Speaker 2>but you know, I think she said something like my

0:15:36.520 --> 0:15:38.240
<v Speaker 2>husband brought to me, so I decided to wear it.

0:15:38.520 --> 0:15:40.800
<v Speaker 1>But you know, when I spoke, I use my own words.

0:15:41.200 --> 0:15:44.960
<v Speaker 1>I I said, if you don't read, don't count for

0:15:45.000 --> 0:15:49.240
<v Speaker 1>these for these silver Fox women, they will read you, honey.

0:15:49.280 --> 0:15:51.960
<v Speaker 1>I was like, yeah, that part I did see.

0:15:52.160 --> 0:15:54.560
<v Speaker 2>Oh you saw that part. There was a I posted this.

0:15:54.680 --> 0:15:56.240
<v Speaker 2>I'm gonna post on the group too, but there was

0:15:56.280 --> 0:15:58.360
<v Speaker 2>this l that's kind of like he's like the male

0:15:58.440 --> 0:15:59.600
<v Speaker 2>version of awesomely lovey.

0:16:00.120 --> 0:16:01.120
<v Speaker 1>Okay uh.

0:16:01.680 --> 0:16:03.720
<v Speaker 2>Eric Thomas, he writes for l dot com. Don't ask

0:16:03.720 --> 0:16:07.360
<v Speaker 2>me how. He's like a comedian anyway, he wrote the

0:16:07.360 --> 0:16:11.720
<v Speaker 2>most hilarious, hilarious like lovey style post about this moment

0:16:11.800 --> 0:16:14.760
<v Speaker 2>and like how the shade was real, like all the memes,

0:16:14.800 --> 0:16:18.000
<v Speaker 2>like like Mariah, when Mariah that infamous Mariah line when

0:16:18.000 --> 0:16:20.640
<v Speaker 2>she's like talking about Jennifer Lopez, I don't know her.

0:16:20.680 --> 0:16:21.720
<v Speaker 2>She's like, I don't know her.

0:16:23.080 --> 0:16:27.040
<v Speaker 1>Oh Mariah is the shade, oh weed, oh her, I

0:16:27.040 --> 0:16:29.360
<v Speaker 1>don't I don't know her. And she said, but I mean,

0:16:29.560 --> 0:16:31.240
<v Speaker 1>like I know of her, but that's not what you

0:16:31.280 --> 0:16:33.640
<v Speaker 1>ask I don't know her, yes, Mariah.

0:16:34.120 --> 0:16:37.960
<v Speaker 2>And then and last but not least, when finally Hillary

0:16:37.960 --> 0:16:42.520
<v Speaker 2>wins and this like avalanche of balloons falls down and

0:16:42.680 --> 0:16:45.400
<v Speaker 2>none other than Bill Clinton looks like a child at

0:16:45.440 --> 0:16:49.600
<v Speaker 2>Discovery Zone at Chuck e cheese, like the expression on

0:16:49.640 --> 0:16:52.320
<v Speaker 2>his face, kicking them balloons and there's just one. There's

0:16:52.360 --> 0:16:54.320
<v Speaker 2>just one gift of him, just like lightly. He's like

0:16:54.360 --> 0:16:56.640
<v Speaker 2>he's trying to play with the balloons without making it,

0:16:56.680 --> 0:16:59.600
<v Speaker 2>without like actually like trying to. He's like, Oh, I'm

0:16:59.640 --> 0:17:01.640
<v Speaker 2>just there, gonna see me, but we like I'm just

0:17:01.640 --> 0:17:03.600
<v Speaker 2>gonna like push its balloons in the air. But he's

0:17:03.640 --> 0:17:05.560
<v Speaker 2>having like the time of his life.

0:17:06.320 --> 0:17:07.840
<v Speaker 1>Ah, it is very, very silly.

0:17:08.720 --> 0:17:11.439
<v Speaker 2>He's kicking the balloons and oh, he just looks. It

0:17:11.440 --> 0:17:13.600
<v Speaker 2>looks like he looks like he became president. He's already

0:17:13.600 --> 0:17:19.960
<v Speaker 2>done it twice. Ah Bill Billy Billy. Anyway, if you

0:17:20.000 --> 0:17:22.880
<v Speaker 2>guys go just go to YouTube watch the speeches. At least,

0:17:22.880 --> 0:17:25.560
<v Speaker 2>I mean, like make at least watch Michelle's. I mean, okay,

0:17:26.000 --> 0:17:28.359
<v Speaker 2>we owe her that much. It'll make you it'll make

0:17:28.400 --> 0:17:31.480
<v Speaker 2>you cry for the fact that she's leaving. I miss

0:17:31.480 --> 0:17:33.480
<v Speaker 2>sir as much as I support Hillary. I'm just so

0:17:33.520 --> 0:17:34.359
<v Speaker 2>sad that they're leaving.

0:17:35.000 --> 0:17:37.600
<v Speaker 1>Yeah, but they need their life back. I can only imagine.

0:17:37.680 --> 0:17:39.720
<v Speaker 2>I'm sure she's like, get me the hell out of here, right,

0:17:39.880 --> 0:17:44.159
<v Speaker 2>I just want to with the windows rolled down, you

0:17:44.160 --> 0:17:44.720
<v Speaker 2>see how they.

0:17:44.640 --> 0:17:47.119
<v Speaker 1>Try to come for their oldest daughter, talking about she

0:17:47.160 --> 0:17:49.879
<v Speaker 1>skipped it to go to Lallapalooza. She skipped the DNC.

0:17:50.760 --> 0:17:51.679
<v Speaker 2>Oh did she so?

0:17:51.840 --> 0:17:51.919
<v Speaker 1>What?

0:17:53.080 --> 0:17:53.359
<v Speaker 2>Child?

0:17:54.080 --> 0:17:57.440
<v Speaker 1>First of all, all the all the former Republican presidents

0:17:57.440 --> 0:18:00.560
<v Speaker 1>skipped the RNZ as well as all these other people

0:18:00.600 --> 0:18:02.440
<v Speaker 1>have know she's eighteen. She doesn't need to be there.

0:18:02.480 --> 0:18:03.199
<v Speaker 1>He's not running.

0:18:03.400 --> 0:18:05.400
<v Speaker 2>I'm sure. She was like, I'm an adult, so I'm

0:18:05.400 --> 0:18:08.920
<v Speaker 2>gonna choose. I'm gonna make a conscious choice to unchoose

0:18:08.960 --> 0:18:13.000
<v Speaker 2>this DNC. Bye, guys, Yeah what Yeah, some people are

0:18:13.040 --> 0:18:16.080
<v Speaker 2>just crazy. I'm glad she's like living a normal life.

0:18:16.640 --> 0:18:17.399
<v Speaker 1>What was that noise?

0:18:17.800 --> 0:18:18.560
<v Speaker 2>Oh did you hear that?

0:18:19.760 --> 0:18:19.960
<v Speaker 1>Oh?

0:18:20.080 --> 0:18:22.399
<v Speaker 2>Something to sorry? Just I put on a website and

0:18:22.480 --> 0:18:24.720
<v Speaker 2>started playing, Oh crap, I'll edit that out my bad

0:18:26.200 --> 0:18:33.920
<v Speaker 2>auto play kamos. Anything else in the news, Just.

0:18:33.960 --> 0:18:37.320
<v Speaker 1>Some silliness by little bow Wow. I posted on my

0:18:37.400 --> 0:18:41.800
<v Speaker 1>own page throwback. Yeah, so a little bow Wow in

0:18:41.880 --> 0:18:44.800
<v Speaker 1>all his ignorance, he did an interview I forget with who,

0:18:44.800 --> 0:18:47.640
<v Speaker 1>but he said that he cannot relate to those civil

0:18:47.720 --> 0:18:51.240
<v Speaker 1>rights movement and to the ills that people of color

0:18:51.320 --> 0:18:53.760
<v Speaker 1>are facing. For those of you who don't know, Little

0:18:53.800 --> 0:18:56.080
<v Speaker 1>bow Wow used to be like a rapper back.

0:18:55.840 --> 0:18:59.080
<v Speaker 2>In many of you may not know right for real.

0:18:58.960 --> 0:19:01.639
<v Speaker 1>Because he's he was literally when he was a rapper,

0:19:01.680 --> 0:19:04.600
<v Speaker 1>he was like eight nine years old. But now he's

0:19:04.600 --> 0:19:06.560
<v Speaker 1>like on bt as like a host and stuff. But

0:19:06.800 --> 0:19:09.560
<v Speaker 1>google a little biral. He was totally adorable. He was

0:19:09.560 --> 0:19:11.520
<v Speaker 1>like a protege of Snoop Dogg, which I hope you

0:19:11.560 --> 0:19:15.879
<v Speaker 1>do know. And so anyway, he says, even though he

0:19:15.960 --> 0:19:19.119
<v Speaker 1>is clearly black and like not like like black, like

0:19:19.160 --> 0:19:21.840
<v Speaker 1>brown skin black, like no, you cannot mistake him for

0:19:21.880 --> 0:19:24.640
<v Speaker 1>something other that he does not relate to civil rights

0:19:24.720 --> 0:19:27.239
<v Speaker 1>movement or the trouble that black people are facing right

0:19:27.280 --> 0:19:32.520
<v Speaker 1>now because he is and I quote mixed. So I

0:19:32.680 --> 0:19:37.359
<v Speaker 1>was like, oh, that's weird. So of course black Twitter

0:19:37.760 --> 0:19:41.840
<v Speaker 1>commenced to dragging him, dragging him. I just looked black

0:19:42.240 --> 0:19:46.400
<v Speaker 1>dragging him, and they dragged him hard and long and

0:19:47.359 --> 0:19:49.160
<v Speaker 1>one thing, so I wrote, I usually I don't write

0:19:49.200 --> 0:19:51.720
<v Speaker 1>like shade on my personal page, but I saw this

0:19:51.760 --> 0:19:53.760
<v Speaker 1>funny quote somebody wrote about him, so I had to

0:19:53.800 --> 0:19:57.359
<v Speaker 1>share it, and it was don't shoot I mixed dash

0:19:57.480 --> 0:20:01.000
<v Speaker 1>little ball like a little we don't sit your black

0:20:01.119 --> 0:20:03.639
<v Speaker 1>behind down, like just don't you don't have to say anything.

0:20:03.640 --> 0:20:06.399
<v Speaker 1>I don't understand why people don't get that. You know,

0:20:06.480 --> 0:20:09.080
<v Speaker 1>you don't have to say anything. Yes, you have freedom

0:20:09.119 --> 0:20:12.200
<v Speaker 1>of speech, but it doesn't mean you have freedom from consequences.

0:20:12.240 --> 0:20:14.920
<v Speaker 1>So he is the new Raven Simone and it was

0:20:15.000 --> 0:20:16.639
<v Speaker 1>kind of giggly, and actually that leads me into what

0:20:16.640 --> 0:20:18.000
<v Speaker 1>I'm going to take for my brown break.

0:20:18.720 --> 0:20:20.960
<v Speaker 2>Well, let me just quickly say, they do not speak

0:20:21.000 --> 0:20:25.760
<v Speaker 2>for all mixed people. We do not. We don't own him.

0:20:25.800 --> 0:20:27.240
<v Speaker 2>We're gonna trade him for someone else.

0:20:29.040 --> 0:20:30.639
<v Speaker 1>Nobody wants a little bow. We're like, we're trying to

0:20:30.640 --> 0:20:33.480
<v Speaker 1>figure out which team in the Black Sit that we

0:20:33.480 --> 0:20:35.720
<v Speaker 1>should send him to because we don't want to him

0:20:35.760 --> 0:20:38.240
<v Speaker 1>and Raven Simone package someone else can happen.

0:20:38.440 --> 0:20:43.240
<v Speaker 2>Did you see the black Seit movement hashtag black Sit. Yeah,

0:20:43.600 --> 0:20:46.640
<v Speaker 2>it's like the if all black people just exited America,

0:20:47.240 --> 0:20:48.919
<v Speaker 2>It's like you should go. It's like I just all

0:20:48.960 --> 0:20:50.679
<v Speaker 2>post on the blog, but it's on the on the

0:20:50.680 --> 0:20:53.199
<v Speaker 2>Facebook page, but it's twenty one things we're taking with

0:20:53.280 --> 0:20:56.280
<v Speaker 2>us if we leave. It's like Beyonce, duh yuh, the

0:20:56.359 --> 0:21:03.680
<v Speaker 2>Obama's the word fleak, He'll degrass Tyson and the Whip

0:21:03.760 --> 0:21:09.119
<v Speaker 2>Ane Rhythm soul food, Hot Sauce, Oprah Cornrose, Gospel music,

0:21:09.160 --> 0:21:17.080
<v Speaker 2>Will Smith, Woman's Voice, Shondaland Yes, Shondaland, oh man, that's

0:21:17.119 --> 0:21:19.840
<v Speaker 2>funny and then awesome, we love you took it even

0:21:19.840 --> 0:21:21.480
<v Speaker 2>further on her site, which if you just like want

0:21:21.480 --> 0:21:23.560
<v Speaker 2>the double whammy love love.

0:21:23.960 --> 0:21:26.280
<v Speaker 1>Yeah, I love lovely Yeah.

0:21:26.520 --> 0:21:29.359
<v Speaker 2>Yeah. I heard you do on the show.

0:21:29.880 --> 0:21:31.639
<v Speaker 1>I know, and I just missed her. So yesterday I

0:21:31.680 --> 0:21:35.439
<v Speaker 1>spoke at I spoke at a Black Girl's Rock has

0:21:37.040 --> 0:21:40.359
<v Speaker 1>summer conference for young women of color called Black Girl's Lead,

0:21:40.800 --> 0:21:42.840
<v Speaker 1>And so for the second time we spoke, Like when

0:21:42.880 --> 0:21:44.680
<v Speaker 1>I first met Lovey. I met her last year there

0:21:45.320 --> 0:21:47.040
<v Speaker 1>and she hit me up. She was like, oh man,

0:21:47.080 --> 0:21:49.120
<v Speaker 1>I just missed you by an hour. So she spoke

0:21:49.160 --> 0:21:50.919
<v Speaker 1>an hour after me. But I spoke yesterday and it

0:21:50.960 --> 0:21:53.560
<v Speaker 1>was pretty awesome teaching. It was like one hundred and

0:21:53.600 --> 0:21:57.720
<v Speaker 1>sixty something young women of color some basic personal financial

0:21:57.880 --> 0:21:59.480
<v Speaker 1>things and it was fun, a lot of fun.

0:22:03.080 --> 0:22:04.639
<v Speaker 2>All right, guys, Well, we usually do this later in

0:22:04.680 --> 0:22:07.080
<v Speaker 2>the show, but I want to We're gonna answer questions

0:22:07.280 --> 0:22:08.639
<v Speaker 2>later in the show, but I want to do my

0:22:08.680 --> 0:22:11.800
<v Speaker 2>little call out now while you're still listening. Do you

0:22:11.840 --> 0:22:14.399
<v Speaker 2>have questions you want us to answer money or career wise.

0:22:14.520 --> 0:22:17.200
<v Speaker 2>You can send us an email at Brand Ambition Podcast

0:22:17.640 --> 0:22:20.080
<v Speaker 2>at gmail dot com and you may hear your question

0:22:20.200 --> 0:22:20.760
<v Speaker 2>on the show.

0:22:24.119 --> 0:22:26.439
<v Speaker 1>So do you want a brown break? Are you going

0:22:26.480 --> 0:22:27.159
<v Speaker 1>to brown boost?

0:22:28.359 --> 0:22:32.040
<v Speaker 2>I am going to give a boost this week.

0:22:32.040 --> 0:22:33.400
<v Speaker 1>All right, So I'm gonna do a break, So I'll

0:22:33.440 --> 0:22:35.000
<v Speaker 1>go first. That way we can get out of the

0:22:35.280 --> 0:22:36.640
<v Speaker 1>get the bad energy out of the way.

0:22:36.800 --> 0:22:37.240
<v Speaker 2>Okay.

0:22:37.520 --> 0:22:40.400
<v Speaker 1>So I had posted on Afraid, No, No, it wasn't

0:22:40.400 --> 0:22:43.080
<v Speaker 1>anything crazy. I posted yesterday that I was super excited

0:22:43.080 --> 0:22:46.040
<v Speaker 1>to be speaking at Black Girls Rocks summer camp for

0:22:46.119 --> 0:22:49.120
<v Speaker 1>girls Black Girls Lead, and you know, and most people

0:22:49.160 --> 0:22:52.120
<v Speaker 1>were like yes, girl. And then a high school friend.

0:22:52.119 --> 0:22:53.680
<v Speaker 1>So I went to the majority white high school. And

0:22:53.680 --> 0:22:55.760
<v Speaker 1>when I mean majority, I mean there was like, hmm,

0:22:56.080 --> 0:22:59.680
<v Speaker 1>five black kids in my in my uh my high

0:22:59.720 --> 0:23:03.560
<v Speaker 1>school class. And so I had friends, you know, I

0:23:03.560 --> 0:23:05.800
<v Speaker 1>had black friends, I had African friends since I'm African,

0:23:05.880 --> 0:23:08.800
<v Speaker 1>and I had white friends. And so one of she

0:23:08.920 --> 0:23:10.800
<v Speaker 1>wasn't really a friend, but definitely we were cool in

0:23:10.880 --> 0:23:15.960
<v Speaker 1>high school. Wrote under my post this is the problem

0:23:16.560 --> 0:23:21.679
<v Speaker 1>with people today. Everything is separated by race. Why can't

0:23:21.720 --> 0:23:22.680
<v Speaker 1>all girls rock?

0:23:23.720 --> 0:23:26.520
<v Speaker 2>Oh? And I was like, she's one of them.

0:23:27.200 --> 0:23:30.320
<v Speaker 1>Yes, So I resisted the urge to drag her because

0:23:30.359 --> 0:23:32.440
<v Speaker 1>I knew her, you know, and I don't know her

0:23:32.480 --> 0:23:34.760
<v Speaker 1>to be like a you know, a negative, terrible person.

0:23:34.840 --> 0:23:37.040
<v Speaker 1>So I wrote her back and I just said that

0:23:37.280 --> 0:23:40.520
<v Speaker 1>all girls do rock, and that I think you're mistaken

0:23:41.040 --> 0:23:44.440
<v Speaker 1>black girls rock with the saying that like only black

0:23:44.480 --> 0:23:47.600
<v Speaker 1>girls rock, What this means is that black girls rock too.

0:23:48.400 --> 0:23:50.600
<v Speaker 1>And said, donnad you don't. You don't and I don't

0:23:50.600 --> 0:23:52.440
<v Speaker 1>care about say her name because she put herself out there.

0:23:52.960 --> 0:23:57.959
<v Speaker 1>You don't understand what it's like to be black in

0:23:58.000 --> 0:24:00.359
<v Speaker 1>America because you're not. And I can understan that that

0:24:00.400 --> 0:24:02.800
<v Speaker 1>you don't understand, because how can you. And I said,

0:24:02.800 --> 0:24:06.240
<v Speaker 1>because there's so many negative images for young women of

0:24:06.280 --> 0:24:09.439
<v Speaker 1>color that this is supposed to counteract that. And so

0:24:09.480 --> 0:24:12.360
<v Speaker 1>we're not saying that other girls don't rock. We're saying, hey,

0:24:12.400 --> 0:24:14.919
<v Speaker 1>black girl, I know they tell you otherwise, but you

0:24:15.240 --> 0:24:17.800
<v Speaker 1>rock too. And I said, Donna, I say, you have

0:24:17.840 --> 0:24:19.880
<v Speaker 1>two beautiful daughters, and I would hope that you would

0:24:19.920 --> 0:24:22.840
<v Speaker 1>want for them what everybody wants for their children, to

0:24:22.920 --> 0:24:26.600
<v Speaker 1>be loved and looked after and told that they're great.

0:24:26.800 --> 0:24:29.040
<v Speaker 1>And that's what this is supposed to do, and she

0:24:29.080 --> 0:24:31.600
<v Speaker 1>went on to say something like, well, I'm white and

0:24:31.640 --> 0:24:34.280
<v Speaker 1>I live in Newark, and living in Newark was ten

0:24:34.320 --> 0:24:37.280
<v Speaker 1>times harder than I'm sure you living in Westfield. One.

0:24:37.440 --> 0:24:39.160
<v Speaker 1>I was like, well, I would not know what it's

0:24:39.160 --> 0:24:41.119
<v Speaker 1>like to be a white woman living in Newark, just

0:24:41.160 --> 0:24:42.480
<v Speaker 1>like you do not know what it was like to

0:24:42.520 --> 0:24:45.000
<v Speaker 1>be a black young woman living in Westfield. So that's

0:24:45.040 --> 0:24:48.800
<v Speaker 1>one and two. Living in Newark is a choice. Living

0:24:48.840 --> 0:24:53.240
<v Speaker 1>amongst a predominantly black community, literally is a rare choice

0:24:53.240 --> 0:24:56.320
<v Speaker 1>that you can make. I cannot choose to not live

0:24:56.480 --> 0:25:00.760
<v Speaker 1>amongst majority white people. That's called life. This is America.

0:25:00.800 --> 0:25:02.720
<v Speaker 1>Like you know, there's no I mean, yes, I live

0:25:02.760 --> 0:25:05.200
<v Speaker 1>in Newark, but for the most part, it's it's very

0:25:05.200 --> 0:25:08.080
<v Speaker 1>few pockets where it's like that. Like, girl, my whole

0:25:08.119 --> 0:25:09.960
<v Speaker 1>life is Like how if you feeling that way about

0:25:09.960 --> 0:25:12.000
<v Speaker 1>living in Newark and people have treated you a certain

0:25:12.000 --> 0:25:14.399
<v Speaker 1>way because of your race, hello, then you should know

0:25:14.400 --> 0:25:16.320
<v Speaker 1>how it feel. That's how it feels for every single day,

0:25:16.359 --> 0:25:19.840
<v Speaker 1>for every other black person out there. And yeah, I

0:25:19.880 --> 0:25:21.320
<v Speaker 1>don't know, she like wrote me some I guess somebody

0:25:21.520 --> 0:25:23.560
<v Speaker 1>ended up dragging her so she took down her comment,

0:25:23.640 --> 0:25:26.159
<v Speaker 1>but It just had me thinking to myself, like, you know,

0:25:26.720 --> 0:25:28.720
<v Speaker 1>like when I was in high school, don't hung out

0:25:28.720 --> 0:25:31.600
<v Speaker 1>with the black kids. It wasn't like she was. She

0:25:31.640 --> 0:25:33.760
<v Speaker 1>had friends of all races. She was a cool girl.

0:25:33.840 --> 0:25:35.679
<v Speaker 1>You know, I always liked her. She's always been nice.

0:25:35.840 --> 0:25:37.760
<v Speaker 1>So it's not even like I can separate myself and

0:25:37.800 --> 0:25:40.320
<v Speaker 1>be like, oh, that's that racis shake And so it

0:25:40.359 --> 0:25:44.879
<v Speaker 1>had me really thinking about, like, you know, how people

0:25:45.000 --> 0:25:48.960
<v Speaker 1>think and how they cannot relate, and how how do

0:25:49.000 --> 0:25:50.840
<v Speaker 1>you change that. I didn't you know, she even she

0:25:50.920 --> 0:25:53.000
<v Speaker 1>sent me an email and I wanted to I don't

0:25:53.040 --> 0:25:57.800
<v Speaker 1>know what to say to like have her think differently.

0:25:57.880 --> 0:25:59.439
<v Speaker 1>And I guess she's thinking the same way about me.

0:25:59.520 --> 0:26:02.160
<v Speaker 1>She still think it's wrong to separate, And I'm like, ah,

0:26:02.600 --> 0:26:02.920
<v Speaker 1>I can.

0:26:02.880 --> 0:26:05.439
<v Speaker 2>Think, is that there's anything you can say? It's up

0:26:05.440 --> 0:26:09.040
<v Speaker 2>to her, Like it's not our responsibility to teach them

0:26:10.320 --> 0:26:13.200
<v Speaker 2>what they're doing, Like it's not our responsibility to explain

0:26:13.240 --> 0:26:16.280
<v Speaker 2>to them what we mean behind the movement, Like we understand,

0:26:16.760 --> 0:26:19.439
<v Speaker 2>we get it. They need to catch up, Like I

0:26:19.440 --> 0:26:20.840
<v Speaker 2>think we put a lot of And that's where the

0:26:20.880 --> 0:26:23.520
<v Speaker 2>frustration comes from, because we constantly want to convince everyone

0:26:23.560 --> 0:26:26.399
<v Speaker 2>else of our experience. It's not our experience is mattering

0:26:26.440 --> 0:26:28.240
<v Speaker 2>that we our voices matter, and if they don't want

0:26:28.240 --> 0:26:30.120
<v Speaker 2>to hear it, then that's, you know, fine. I don't

0:26:31.200 --> 0:26:34.280
<v Speaker 2>get You'll be lost trying to convince these people that

0:26:34.320 --> 0:26:37.280
<v Speaker 2>they're wrong and that our experiences matter and that our

0:26:37.359 --> 0:26:40.320
<v Speaker 2>voices matter. It's my kind of cynical opinion, but I

0:26:40.359 --> 0:26:42.959
<v Speaker 2>think just to take that pressure off yourself, like you

0:26:43.000 --> 0:26:43.560
<v Speaker 2>don't have to.

0:26:44.440 --> 0:26:47.080
<v Speaker 1>Yeah, so what's your brown boost?

0:26:48.359 --> 0:26:50.640
<v Speaker 2>Well, I wish it was something better, like really good

0:26:50.680 --> 0:26:52.600
<v Speaker 2>to like follow that, but I was going to give

0:26:52.600 --> 0:26:54.320
<v Speaker 2>a boost to financial planners.

0:26:54.640 --> 0:26:56.679
<v Speaker 1>Okay, good, go.

0:26:56.680 --> 0:27:00.959
<v Speaker 2>Ahead, I was going to talk about that. So so, uh,

0:27:01.080 --> 0:27:03.880
<v Speaker 2>honey boo boo and I, Oh, I mean fiance boo

0:27:03.880 --> 0:27:06.359
<v Speaker 2>and I honey Boo boo. May she rest in peace.

0:27:06.400 --> 0:27:08.480
<v Speaker 2>I don't know where she is wherever you are, honeyboob,

0:27:08.480 --> 0:27:12.520
<v Speaker 2>but I hope someone's helping you fiance boo and I.

0:27:12.720 --> 0:27:17.879
<v Speaker 2>So we obviously are preparing to journey into the next

0:27:17.920 --> 0:27:20.199
<v Speaker 2>phase of marriage and all that kind of crap. But

0:27:20.359 --> 0:27:22.840
<v Speaker 2>I have we been talking. We've been trying to like

0:27:23.280 --> 0:27:25.640
<v Speaker 2>figure out how our finances are going to function when

0:27:25.640 --> 0:27:27.000
<v Speaker 2>we're get when we're married and we kind of have

0:27:27.040 --> 0:27:30.160
<v Speaker 2>a good system going now, but you know, we're talking

0:27:30.200 --> 0:27:34.800
<v Speaker 2>about weddings and buying a house and maybe having kids,

0:27:34.840 --> 0:27:36.840
<v Speaker 2>and like it's just a lot of it just feels

0:27:36.840 --> 0:27:38.920
<v Speaker 2>like the most crucial time in our life, like this

0:27:39.000 --> 0:27:41.679
<v Speaker 2>is when we could either make great decisions or we

0:27:41.720 --> 0:27:45.480
<v Speaker 2>could like fuck it all up. So I thought it

0:27:45.480 --> 0:27:46.720
<v Speaker 2>would be we thought it would be a good idea

0:27:46.760 --> 0:27:49.280
<v Speaker 2>to start interviewing financial planners, like someone who can kind

0:27:49.280 --> 0:27:52.200
<v Speaker 2>of like help like be our coach throughout this next

0:27:52.280 --> 0:27:55.159
<v Speaker 2>year and really help us like set us up for

0:27:55.240 --> 0:27:56.960
<v Speaker 2>the goals we want to achieve and like get a

0:27:57.000 --> 0:27:59.760
<v Speaker 2>professional opinion who's going to like look at our finances

0:27:59.760 --> 0:28:01.800
<v Speaker 2>and just say, well, here's what you want, here's what

0:28:01.840 --> 0:28:04.720
<v Speaker 2>you can afford, and here's what you can't afford right now,

0:28:04.760 --> 0:28:06.880
<v Speaker 2>but you know, here's a plan to get you there

0:28:06.920 --> 0:28:09.080
<v Speaker 2>in the next like two, three, four or five years

0:28:09.160 --> 0:28:11.639
<v Speaker 2>or whatever. So I wanted to give a shout out.

0:28:11.680 --> 0:28:14.040
<v Speaker 2>We haven't officially like hired our financial planner, but we've

0:28:14.080 --> 0:28:18.080
<v Speaker 2>interviewed a couple, and I really wanted to find someone

0:28:18.240 --> 0:28:20.719
<v Speaker 2>who was like near us in New York, who had

0:28:20.760 --> 0:28:22.240
<v Speaker 2>like an idea of what it costs to live here,

0:28:22.600 --> 0:28:25.560
<v Speaker 2>But then who also is used to talking to young

0:28:25.560 --> 0:28:28.080
<v Speaker 2>couples like us? And I don't know if you've noticed,

0:28:28.080 --> 0:28:30.399
<v Speaker 2>but whenever you hear financial planners or you see them, like,

0:28:30.480 --> 0:28:35.639
<v Speaker 2>it's mostly over seventy white dudes, none exactly, and you

0:28:35.640 --> 0:28:38.480
<v Speaker 2>know they're used to dealing with like Betty and George,

0:28:38.720 --> 0:28:41.640
<v Speaker 2>who are you know, have retirements and nest eggs and

0:28:41.680 --> 0:28:44.480
<v Speaker 2>things like that and are later in life. But there's

0:28:44.520 --> 0:28:48.320
<v Speaker 2>not really that many younger financial planners, and especially female

0:28:48.400 --> 0:28:51.240
<v Speaker 2>financial planners. So I wanted to give a shout out,

0:28:51.320 --> 0:28:55.120
<v Speaker 2>especially to the x Y Planning Network x Y Planning

0:28:55.120 --> 0:28:59.000
<v Speaker 2>Network dot com. It's a network of x Y like

0:28:59.120 --> 0:29:02.720
<v Speaker 2>generation X generation why financial planners who are specializing and

0:29:02.760 --> 0:29:06.760
<v Speaker 2>working with people in their own age demographic. Yeah. So

0:29:06.960 --> 0:29:09.440
<v Speaker 2>I went to xy Planning and I already know I

0:29:09.480 --> 0:29:13.560
<v Speaker 2>know Alan Moore who created this network. I met him

0:29:13.600 --> 0:29:15.600
<v Speaker 2>just through work and so I was like, Alan, I'm

0:29:15.600 --> 0:29:18.440
<v Speaker 2>going to try using XY Planning Network. And we started

0:29:18.440 --> 0:29:21.840
<v Speaker 2>intervieering planners and it's been great. Like most of them

0:29:21.920 --> 0:29:24.680
<v Speaker 2>and they're all like virtual, they're not virtual planners, but

0:29:24.720 --> 0:29:27.440
<v Speaker 2>a lot of them are. They you know, are happy

0:29:27.440 --> 0:29:29.800
<v Speaker 2>to work with clients you aren't necessarily in the same state,

0:29:29.920 --> 0:29:31.720
<v Speaker 2>so you don't have to meet with them face to face.

0:29:31.800 --> 0:29:34.640
<v Speaker 2>But we talked to one planner who makes several trips

0:29:34.680 --> 0:29:37.280
<v Speaker 2>to New York a year. She's based in Atlanta and

0:29:37.400 --> 0:29:39.760
<v Speaker 2>has like face to face visits with you, But then

0:29:39.840 --> 0:29:42.960
<v Speaker 2>a lot of the work is done online, like through Skype,

0:29:43.400 --> 0:29:46.600
<v Speaker 2>and they all are very tech savvy, so they make

0:29:46.640 --> 0:29:48.360
<v Speaker 2>it so easy for you to like work with them

0:29:48.680 --> 0:29:50.440
<v Speaker 2>and around your schedule and all that kind of stuff.

0:29:50.480 --> 0:29:54.360
<v Speaker 2>So I'm excited for this next phase, and I love

0:29:54.560 --> 0:29:56.760
<v Speaker 2>I'm really excited about the financial planner and just knowing

0:29:56.760 --> 0:30:00.479
<v Speaker 2>that we're going to have someone who's impartial and like

0:30:01.040 --> 0:30:04.040
<v Speaker 2>unemotional about art because you know, there's so many emotions.

0:30:04.320 --> 0:30:06.440
<v Speaker 2>I mean, ninety nine percent of financial planning is like

0:30:06.520 --> 0:30:09.600
<v Speaker 2>controlling the emotion of your client when your client is like,

0:30:09.640 --> 0:30:11.240
<v Speaker 2>but I have always dreamed of having a house in

0:30:11.280 --> 0:30:13.680
<v Speaker 2>the mountains and in the suburbs. And they're like, Okay,

0:30:13.720 --> 0:30:17.560
<v Speaker 2>well that's a dream fantasy, here's reality, Like here's what

0:30:17.600 --> 0:30:20.960
<v Speaker 2>the numbers say. And I feel like we really need that,

0:30:21.120 --> 0:30:23.959
<v Speaker 2>especially like these are huge decisions we're going to make

0:30:23.960 --> 0:30:26.040
<v Speaker 2>in the next year, like huge ones, you know, where

0:30:26.040 --> 0:30:28.280
<v Speaker 2>we're going to live where we want to raise kids,

0:30:28.360 --> 0:30:31.880
<v Speaker 2>you know, where we're going to work, and and uh,

0:30:32.160 --> 0:30:35.000
<v Speaker 2>you know, even just like planning for a honeymoon that

0:30:35.080 --> 0:30:36.560
<v Speaker 2>kind of crap, Like how are we going to achieve

0:30:36.600 --> 0:30:40.840
<v Speaker 2>all this stuff in the next couple of years? So uh,

0:30:41.200 --> 0:30:42.000
<v Speaker 2>that's all I got.

0:30:44.080 --> 0:30:46.720
<v Speaker 1>Well, I think having a financial planet that earlier the better.

0:30:46.720 --> 0:30:50.400
<v Speaker 1>And you're right, especially when you're dealing with Boo, having

0:30:50.480 --> 0:30:53.280
<v Speaker 1>somebody who's impartial, so that way you both can be

0:30:53.320 --> 0:30:55.720
<v Speaker 1>like kind of like you can kind of roost it

0:30:55.800 --> 0:30:58.680
<v Speaker 1>and be like, well, I don't have to I don't

0:30:58.720 --> 0:31:00.760
<v Speaker 1>have to worry that you know that this is a

0:31:00.800 --> 0:31:04.520
<v Speaker 1>mandy plan or of you know, finance. What's it called it,

0:31:04.560 --> 0:31:09.240
<v Speaker 1>honey boobo plant not honey boo boo. I'm like, ah,

0:31:09.280 --> 0:31:11.400
<v Speaker 1>the whey are gods scathing me? If ya boot plant?

0:31:11.520 --> 0:31:14.080
<v Speaker 1>But yeah, just having somebody a third third listening ear

0:31:14.280 --> 0:31:16.120
<v Speaker 1>is a is a great idea. So I'm excited for

0:31:16.200 --> 0:31:18.240
<v Speaker 1>you guys. I mean, I think it's time for next

0:31:18.320 --> 0:31:19.960
<v Speaker 1>level for everyone when it comes to our money.

0:31:20.720 --> 0:31:23.800
<v Speaker 2>I'm not using this person to earn money, Like it's

0:31:23.840 --> 0:31:25.840
<v Speaker 2>not that kind of relationship, Like I'm not it's like

0:31:25.880 --> 0:31:28.560
<v Speaker 2>more of an investment broker, like someone who who says,

0:31:28.600 --> 0:31:31.080
<v Speaker 2>I'm going to invest your assets in these five categories

0:31:31.120 --> 0:31:32.560
<v Speaker 2>and then we're going to get these returns at the

0:31:32.640 --> 0:31:35.000
<v Speaker 2>end of the year. Like that's not this relationship. This

0:31:35.200 --> 0:31:37.200
<v Speaker 2>is someone who literally is going to create Like we're

0:31:37.200 --> 0:31:39.440
<v Speaker 2>going to tell her our goals him or her, here's

0:31:39.480 --> 0:31:42.280
<v Speaker 2>our goals, here's what we earn. You help us come

0:31:42.360 --> 0:31:45.200
<v Speaker 2>up with a step by step planned make. Tell us

0:31:45.240 --> 0:31:47.960
<v Speaker 2>how much we need to be saving. Tell us, tell

0:31:48.080 --> 0:31:50.080
<v Speaker 2>us how we can structure our finances so that we

0:31:50.160 --> 0:31:52.719
<v Speaker 2>can both have joint accounts but then still have our

0:31:52.720 --> 0:31:55.840
<v Speaker 2>own independent accounts, you know, and she's gonna look or

0:31:55.840 --> 0:31:58.200
<v Speaker 2>he's gonna look at our holistic finances, you know, look

0:31:58.280 --> 0:32:00.840
<v Speaker 2>at student loan debt, and and you know what our

0:32:00.920 --> 0:32:03.560
<v Speaker 2>liabilities and what our assets are. And then tell us,

0:32:03.800 --> 0:32:06.040
<v Speaker 2>here's how much house you can afford, or so much,

0:32:06.120 --> 0:32:08.600
<v Speaker 2>here's how much down payment you can afford, and you

0:32:08.600 --> 0:32:11.120
<v Speaker 2>should start saving this month a month, this much money

0:32:11.120 --> 0:32:12.880
<v Speaker 2>a month, put it in this account to save it

0:32:12.960 --> 0:32:15.560
<v Speaker 2>toward the down payment. That kind of advice I.

0:32:15.640 --> 0:32:17.880
<v Speaker 1>See you almost like like like it's like getting like

0:32:17.880 --> 0:32:20.920
<v Speaker 1>an accountant thin because when people think financial advisor, you know,

0:32:21.040 --> 0:32:23.080
<v Speaker 1>sometimes when I read these books, it's like, well, if

0:32:23.120 --> 0:32:25.520
<v Speaker 1>your financial advisor fees are more than what you're making

0:32:25.520 --> 0:32:28.080
<v Speaker 1>a year, it's not a good investment. But I don't

0:32:28.080 --> 0:32:30.560
<v Speaker 1>think like that when I'm hiring my accountant or hiring

0:32:30.640 --> 0:32:33.400
<v Speaker 1>my lawyer or whatever. I'm more so thinking like, this

0:32:33.560 --> 0:32:36.240
<v Speaker 1>is a professional person that I'm hiring to give me

0:32:36.320 --> 0:32:39.680
<v Speaker 1>advice so I can move in the best direction possible.

0:32:39.960 --> 0:32:41.840
<v Speaker 1>So separating like, okay, I like that.

0:32:42.320 --> 0:32:46.040
<v Speaker 2>Definitely financial planner advisor they're counting is interchangeably, I guess

0:32:46.160 --> 0:32:47.800
<v Speaker 2>in the best sense. This is like a financial planning

0:32:47.840 --> 0:32:50.160
<v Speaker 2>It's called the X Y Planning Networks. They're all planners.

0:32:50.600 --> 0:32:51.760
<v Speaker 1>Okay, okay, I like that.

0:32:52.320 --> 0:32:54.600
<v Speaker 2>Yeah, well thanks, I feel that I got my affirmation.

0:32:54.760 --> 0:32:59.400
<v Speaker 1>Then, don't even like somebody So I was at this

0:32:59.440 --> 0:33:02.040
<v Speaker 1>thing called and this lady like so I told this

0:33:02.120 --> 0:33:04.040
<v Speaker 1>to Mandy but I think it's fun and that, and

0:33:04.120 --> 0:33:06.360
<v Speaker 1>someone recognized my voice and they were like, oh my god,

0:33:06.520 --> 0:33:09.600
<v Speaker 1>are you Tiffany from the Brown Ambition podcast. And we

0:33:09.680 --> 0:33:11.240
<v Speaker 1>were giggling, and I was like, you know, I'm just

0:33:11.280 --> 0:33:13.560
<v Speaker 1>silly winning She was like, yeah, but Mandy's really funny too,

0:33:13.640 --> 0:33:17.760
<v Speaker 1>but like low key, like she's like the straight man funny.

0:33:18.120 --> 0:33:22.520
<v Speaker 1>I was like, what Mandy goes throws those jabs. You're like, ah, okay,

0:33:22.680 --> 0:33:32.920
<v Speaker 1>I'll see you all right. So I think that we

0:33:33.000 --> 0:33:34.280
<v Speaker 1>did a brown bray and I feel like, I don't

0:33:34.280 --> 0:33:35.640
<v Speaker 1>know if we have any questions, but I feel like

0:33:35.760 --> 0:33:39.400
<v Speaker 1>your financial brown boost kind of answered probably a question

0:33:39.600 --> 0:33:40.360
<v Speaker 1>or two for someone.

0:33:40.960 --> 0:33:43.600
<v Speaker 2>Do you have a quick question? Okay from a reader?

0:33:43.800 --> 0:33:45.880
<v Speaker 2>And oh maybe I'll say this one. We might have

0:33:45.920 --> 0:33:47.840
<v Speaker 2>a very special guest. We might have our very first

0:33:47.880 --> 0:33:50.680
<v Speaker 2>brand Ambition listener, come on the podcast. I'm gonna tell

0:33:50.680 --> 0:33:52.080
<v Speaker 2>you a little bit about her now, and I haven't

0:33:52.080 --> 0:33:54.480
<v Speaker 2>even asked Tiffany for permission, but I'm just gonna, like,

0:33:54.680 --> 0:33:56.840
<v Speaker 2>I have a feeling you'll like her. So we got

0:33:56.880 --> 0:34:00.320
<v Speaker 2>an email from one of our listeners named Keana Hia.

0:34:01.200 --> 0:34:03.440
<v Speaker 2>She's a therapist based in Houston, but she says she's

0:34:03.440 --> 0:34:05.240
<v Speaker 2>had a bucket list goal to travel the world with

0:34:05.720 --> 0:34:08.520
<v Speaker 2>her nine year old daughter, starting with the fifty States,

0:34:08.560 --> 0:34:11.279
<v Speaker 2>to be completed by the time she's thirteen, so in

0:34:11.280 --> 0:34:14.600
<v Speaker 2>the next four years, and then after that she's going

0:34:14.640 --> 0:34:17.920
<v Speaker 2>to travel every year internationally to a different continent. So

0:34:18.160 --> 0:34:20.320
<v Speaker 2>by the time her daughter is twenty she's seen the

0:34:20.520 --> 0:34:22.640
<v Speaker 2>entire world. Is this not the best mom ever?

0:34:23.200 --> 0:34:23.439
<v Speaker 1>Yeah?

0:34:24.320 --> 0:34:26.560
<v Speaker 2>So, currently, Keiana and her nine year old little girl

0:34:26.680 --> 0:34:29.560
<v Speaker 2>are on a road trip covering twelve states, primarily in

0:34:29.600 --> 0:34:32.799
<v Speaker 2>the Midwest. Are going to Arkansas, Tennessee. That's not really

0:34:32.800 --> 0:34:35.440
<v Speaker 2>the Midwest, but Okay, Missouri, Ohio, Okay, here we get

0:34:35.480 --> 0:34:40.320
<v Speaker 2>in there, Indiana, Illinois, Wisconsin, Iowa, Kansas, and Oklahoma. And

0:34:40.440 --> 0:34:42.799
<v Speaker 2>if you don't love her already, additionally, she says, we're

0:34:42.840 --> 0:34:46.080
<v Speaker 2>doing community service and group activities with children and families

0:34:46.200 --> 0:34:50.000
<v Speaker 2>along the way. They did Pacific Northwest Coast over the

0:34:50.080 --> 0:34:53.200
<v Speaker 2>Christmas holiday, and they're planning on going to New England

0:34:53.400 --> 0:34:56.399
<v Speaker 2>next summer. And I just love this email so much

0:34:56.440 --> 0:34:58.520
<v Speaker 2>and like what she's doing for her daughter. So I

0:34:58.560 --> 0:35:00.359
<v Speaker 2>thought we should have Kiana come to time talk about

0:35:00.360 --> 0:35:00.879
<v Speaker 2>it on the show.

0:35:01.560 --> 0:35:02.760
<v Speaker 1>Yeah, that would be awesome.

0:35:03.000 --> 0:35:05.440
<v Speaker 2>I mean, how do you finance a trip like that,

0:35:05.960 --> 0:35:07.920
<v Speaker 2>you know, and financially how is she planning it? And

0:35:08.400 --> 0:35:10.000
<v Speaker 2>I mean her little Oh, we should have her daughter

0:35:10.080 --> 0:35:11.640
<v Speaker 2>on too to tell us, you know, what she's learning

0:35:11.680 --> 0:35:14.600
<v Speaker 2>along the way. That's awesome. And doing service too.

0:35:15.280 --> 0:35:18.719
<v Speaker 1>No, that's awesome to travel and be of service. Yeah,

0:35:18.920 --> 0:35:20.239
<v Speaker 1>that's those two things are great.

0:35:20.640 --> 0:35:22.239
<v Speaker 2>I was just happy to go to four age camp

0:35:22.280 --> 0:35:26.719
<v Speaker 2>for a week, right, right? We just like, how many

0:35:26.760 --> 0:35:29.680
<v Speaker 2>episodes of Prices have price of right? No prices? Right?

0:35:29.760 --> 0:35:31.680
<v Speaker 2>Did I watch between the ages of nine and thirteen,

0:35:32.000 --> 0:35:34.200
<v Speaker 2>Probably like hundreds, because that's what I did with my

0:35:34.280 --> 0:35:34.680
<v Speaker 2>free time.

0:35:35.640 --> 0:35:36.960
<v Speaker 1>We used to There was used to be this camp

0:35:37.000 --> 0:35:39.160
<v Speaker 1>that we'd walked to. It was called Recreation. If anybody

0:35:39.239 --> 0:35:42.800
<v Speaker 1>all from Rose down, New Jersey, you remember Recreation.

0:35:42.640 --> 0:35:44.279
<v Speaker 2>That's what the camp was called. They couldn't come up

0:35:44.280 --> 0:35:45.360
<v Speaker 2>with anything better, you know.

0:35:45.440 --> 0:35:47.880
<v Speaker 1>And at the time, I didn't realize that recreation was

0:35:48.040 --> 0:35:50.480
<v Speaker 1>like like I didn't I didn't understand the meaning of

0:35:50.520 --> 0:35:53.000
<v Speaker 1>the word recreation, and so I just thought that that

0:35:53.120 --> 0:35:54.640
<v Speaker 1>was like a name like Mandy, like, oh, we go

0:35:54.719 --> 0:35:56.640
<v Speaker 1>to recreation, Like, oh girl, that's.

0:35:57.920 --> 0:35:59.799
<v Speaker 2>That's like someone put it in there does a place

0:36:00.280 --> 0:36:02.719
<v Speaker 2>and they were like, I guess we'll just save it. Yeah.

0:36:03.000 --> 0:36:05.239
<v Speaker 1>Oh. And when I got older and I said the

0:36:05.280 --> 0:36:07.960
<v Speaker 1>word out loud, I was because I saw somebody who

0:36:08.040 --> 0:36:09.600
<v Speaker 1>I went to camp with. I was like, I remember,

0:36:09.600 --> 0:36:11.439
<v Speaker 1>we used to go to Recreation. Then I realized, wait,

0:36:11.800 --> 0:36:14.800
<v Speaker 1>was that the name? That's terrible? And anyway, Yeah, so

0:36:15.680 --> 0:36:17.680
<v Speaker 1>it was just really like a day camp. You would

0:36:17.760 --> 0:36:23.040
<v Speaker 1>walk like three miles too, and you just play outside

0:36:23.080 --> 0:36:26.040
<v Speaker 1>basically with like some like teens and like young adults

0:36:26.080 --> 0:36:27.640
<v Speaker 1>watching you, making sure you didn't kill yourself, and then

0:36:27.680 --> 0:36:29.440
<v Speaker 1>walk home so your parents could get a break from

0:36:29.440 --> 0:36:32.360
<v Speaker 1>you in the summertime. But yeah, I learned how to

0:36:32.400 --> 0:36:34.280
<v Speaker 1>play double dutch. I learned how to play checkers.

0:36:35.239 --> 0:36:37.719
<v Speaker 2>Don't wonder, I wonder if I could still do double dutch.

0:36:37.840 --> 0:36:42.360
<v Speaker 2>I was quite the cinder ella luster fella had a

0:36:42.560 --> 0:36:44.320
<v Speaker 2>dress and something yell.

0:36:45.560 --> 0:36:47.920
<v Speaker 1>No, I can't even. I was like, I moved right

0:36:48.000 --> 0:36:49.560
<v Speaker 1>before I really got the hang of it. So we

0:36:49.640 --> 0:36:52.239
<v Speaker 1>went from Roselle, which was like I would say it

0:36:52.239 --> 0:36:54.080
<v Speaker 1>was it was a mixedtown, but I would say more

0:36:54.120 --> 0:36:56.920
<v Speaker 1>brown than not. And then we moved to Westfield, which

0:36:56.960 --> 0:36:58.759
<v Speaker 1>was like hardly any brown. And I was just learning

0:36:58.800 --> 0:37:00.920
<v Speaker 1>how to double dutch this summer that move, so I

0:37:01.160 --> 0:37:04.439
<v Speaker 1>clearly lost all my brown girl skills like miss Mary

0:37:04.560 --> 0:37:07.239
<v Speaker 1>mac all the hand games, fly, oh my.

0:37:07.320 --> 0:37:10.880
<v Speaker 2>God, slide to the left to the right, oh my god.

0:37:11.320 --> 0:37:14.480
<v Speaker 1>Yeah, I'm like, I never heard that one. It's slide

0:37:14.600 --> 0:37:16.000
<v Speaker 1>one one one two.

0:37:16.480 --> 0:37:18.640
<v Speaker 2>Oh, okay, that's how you did in New Jersey. Well,

0:37:18.680 --> 0:37:23.920
<v Speaker 2>in Georgia. Where you do that. Oh man, okay, I'm

0:37:23.960 --> 0:37:25.680
<v Speaker 2>like doing it to myself, but no one's here.

0:37:26.320 --> 0:37:28.239
<v Speaker 1>I like miss Mary mac Oh my god. There was

0:37:28.320 --> 0:37:30.399
<v Speaker 1>so many fun games, like girl fun games that used

0:37:30.400 --> 0:37:30.719
<v Speaker 1>to play.

0:37:31.120 --> 0:37:32.600
<v Speaker 2>But yeah, so.

0:37:34.320 --> 0:37:38.560
<v Speaker 1>Yes those days. So yeah, so that's awesome, right, that's

0:37:38.600 --> 0:37:40.000
<v Speaker 1>awesome where her mom is doing for her.

0:37:40.480 --> 0:37:43.239
<v Speaker 2>So shout out to Keana and yeah, I'd love to

0:37:43.239 --> 0:37:44.520
<v Speaker 2>have you guys in the show. We're gonna be in

0:37:44.560 --> 0:37:46.320
<v Speaker 2>touch Keana. So if you're listening on the rope with

0:37:46.360 --> 0:37:49.279
<v Speaker 2>your daughter, we'll be in touch. Get you guys in

0:37:49.360 --> 0:37:52.200
<v Speaker 2>the show soon. And we had a quick, super sexy

0:37:52.320 --> 0:37:56.000
<v Speaker 2>question about mortgage. I wanted to answer from our listener Nina,

0:37:56.120 --> 0:37:57.520
<v Speaker 2>who sent a question a couple of weeks ago, so

0:37:57.560 --> 0:38:00.000
<v Speaker 2>I wanted to get to it real quick. So Nina

0:38:00.000 --> 0:38:02.239
<v Speaker 2>and I says, it's the question kind of for her mom.

0:38:02.480 --> 0:38:05.000
<v Speaker 2>She says, my mom has about forty seven thousand dollars

0:38:05.120 --> 0:38:07.439
<v Speaker 2>left on her mortgage. She's lived in the same house

0:38:07.480 --> 0:38:10.799
<v Speaker 2>since nineteen eighty seven and refinanced in nineteen ninety five

0:38:10.920 --> 0:38:13.440
<v Speaker 2>after my dad passed away. She was in her she's

0:38:13.520 --> 0:38:15.600
<v Speaker 2>in her eighties now and living on a fixed income.

0:38:16.080 --> 0:38:18.520
<v Speaker 2>But every year, her mortgage payment goes up, and I

0:38:18.600 --> 0:38:21.800
<v Speaker 2>believe it's at six percent interest. What are some options

0:38:21.880 --> 0:38:25.719
<v Speaker 2>to reduce her monthly payment and interest rate? Should she refinance?

0:38:26.480 --> 0:38:29.239
<v Speaker 2>I purchased a home last August at four point two

0:38:29.360 --> 0:38:31.960
<v Speaker 2>five percent with a fourteen hundred dollars a month mortgage,

0:38:32.000 --> 0:38:36.160
<v Speaker 2>and I put fifteen thousand dollars down? Should I refinance

0:38:36.280 --> 0:38:38.680
<v Speaker 2>as the rates are lower now and hopefully I can

0:38:38.719 --> 0:38:42.839
<v Speaker 2>get my monthly payment reduced. So two questions been onto one.

0:38:43.719 --> 0:38:46.080
<v Speaker 1>Yeah, well, I'll say this. So my dad is in

0:38:46.200 --> 0:38:49.520
<v Speaker 1>his mid seventies and they just refinanced the house because

0:38:49.840 --> 0:38:52.000
<v Speaker 1>the rates were so much lower than when he was paying.

0:38:52.120 --> 0:38:56.200
<v Speaker 1>He was able to lower his monthly him and his

0:38:56.560 --> 0:38:59.800
<v Speaker 1>my mom's their monthly mortgage by like over two hundred dollars.

0:39:00.480 --> 0:39:02.560
<v Speaker 1>Oh wow, yeah, so it was worth it. So it

0:39:03.120 --> 0:39:05.320
<v Speaker 1>it made sense. You know, my dad's an accountant and

0:39:05.360 --> 0:39:07.920
<v Speaker 1>he's like the brains behind the budgetista who taught me

0:39:07.960 --> 0:39:10.120
<v Speaker 1>what I know. So at first I was thinking, aren't

0:39:10.120 --> 0:39:13.360
<v Speaker 1>you been old to be refinancing? But because you know,

0:39:13.480 --> 0:39:15.319
<v Speaker 1>he's got to fix it income my mom still works,

0:39:16.000 --> 0:39:18.000
<v Speaker 1>it made sense. He did the max, he did the numbers,

0:39:18.000 --> 0:39:19.560
<v Speaker 1>he asked all the questions, and he was like, you

0:39:19.600 --> 0:39:21.399
<v Speaker 1>know what, I'm able to save over two hundred dollars

0:39:21.400 --> 0:39:23.480
<v Speaker 1>a month. That's less money that comes out of my

0:39:23.600 --> 0:39:26.600
<v Speaker 1>fixed income than I have. So it made sense.

0:39:28.080 --> 0:39:30.080
<v Speaker 2>Rates are very low right now, and it makes it

0:39:30.200 --> 0:39:32.880
<v Speaker 2>makes sense to especially if like so, if your mortgage

0:39:32.960 --> 0:39:36.279
<v Speaker 2>is anything over like five percent, then I would say,

0:39:36.880 --> 0:39:40.640
<v Speaker 2>heck yeah, get thee unto a bank to refinance. But

0:39:40.719 --> 0:39:42.360
<v Speaker 2>if you don't, like one of my favorite things to

0:39:42.360 --> 0:39:43.920
<v Speaker 2>send people, because my friend just asked me this on

0:39:43.960 --> 0:39:45.880
<v Speaker 2>Twitter the other day and I just sent it him.

0:39:45.960 --> 0:39:48.719
<v Speaker 2>I just sent it him, good Lord. I sent him

0:39:48.800 --> 0:39:52.440
<v Speaker 2>to a smart Asset and bank Rate both have a

0:39:52.480 --> 0:39:55.880
<v Speaker 2>really easy mortgage refinance calculator and it just kind of

0:39:55.960 --> 0:39:58.000
<v Speaker 2>you put your numbers in and it tells you how

0:39:58.120 --> 0:40:00.400
<v Speaker 2>much you stand to say by refinance, and it can

0:40:00.520 --> 0:40:02.920
<v Speaker 2>really just kind of show you, you know, is it

0:40:03.000 --> 0:40:04.560
<v Speaker 2>worth it doesn't? Does the numbers make sense?

0:40:05.800 --> 0:40:08.279
<v Speaker 1>Yeah? Yeah, exactly, That's what I really it comes down to,

0:40:08.400 --> 0:40:10.880
<v Speaker 1>do the numbers make sense? Asking about all of the

0:40:10.960 --> 0:40:13.279
<v Speaker 1>fees at the end of the day, what am I

0:40:13.320 --> 0:40:14.719
<v Speaker 1>going to be paying? My mother used to teach me

0:40:14.840 --> 0:40:17.840
<v Speaker 1>that that when you're doing any sort of financial transaction.

0:40:18.160 --> 0:40:21.120
<v Speaker 1>Get that last when I signed the paper's numbers because

0:40:21.120 --> 0:40:23.120
<v Speaker 1>a lot of times, you know, there are all of

0:40:23.200 --> 0:40:25.080
<v Speaker 1>these numbers that they throw at you, but when it

0:40:25.160 --> 0:40:26.640
<v Speaker 1>all comes down to it and you look at the

0:40:26.719 --> 0:40:28.520
<v Speaker 1>number at the end, it's not what you started with.

0:40:28.960 --> 0:40:32.320
<v Speaker 1>So asking what is that end number? What am I

0:40:32.480 --> 0:40:34.240
<v Speaker 1>really going to be paying a month as a result,

0:40:35.160 --> 0:40:37.120
<v Speaker 1>Like what is my actual bill going to look like?

0:40:38.200 --> 0:40:40.640
<v Speaker 1>And just making sure that it makes financial sense. Is

0:40:40.719 --> 0:40:44.080
<v Speaker 1>your mother struggling financially? What's the you know? I don't know.

0:40:44.160 --> 0:40:46.080
<v Speaker 1>Do you know the current interest rates right now? Mandy?

0:40:46.640 --> 0:40:48.400
<v Speaker 2>I think there are a little over three percent?

0:40:48.560 --> 0:40:51.160
<v Speaker 1>Right Ooh okay, I was thinking that so like your

0:40:51.200 --> 0:40:53.479
<v Speaker 1>mother'd be that would cut her interest rate in half,

0:40:54.400 --> 0:40:57.239
<v Speaker 1>So that would you know that might be a significant

0:40:57.840 --> 0:41:02.080
<v Speaker 1>reduction in her monthly payment. But yeah, that's what i'd say.

0:41:03.960 --> 0:41:08.520
<v Speaker 2>Current interest rates on a thirty year fixed mortgage as

0:41:08.600 --> 0:41:13.239
<v Speaker 2>of July twenty seven, twenty sixteen, drum roll please, three

0:41:13.320 --> 0:41:16.640
<v Speaker 2>point sixty three percent, fifteen year fixed two point eight

0:41:16.800 --> 0:41:19.160
<v Speaker 2>nine percent. I'm a fan of the fifteen year margat

0:41:19.280 --> 0:41:21.319
<v Speaker 2>HEO is you get that thing off your back?

0:41:21.719 --> 0:41:21.959
<v Speaker 1>Yep?

0:41:22.120 --> 0:41:22.600
<v Speaker 2>Great question.

0:41:23.200 --> 0:41:25.000
<v Speaker 1>That's what I want to go for me and I'm Superman.

0:41:25.040 --> 0:41:27.000
<v Speaker 1>We're just talking about like either I told him I

0:41:27.000 --> 0:41:27.920
<v Speaker 1>don't want to live here anymore.

0:41:27.960 --> 0:41:30.680
<v Speaker 2>I'm like, I'm over it, Like by Minny.

0:41:31.400 --> 0:41:33.359
<v Speaker 1>I know. That's the only thing that keeps me here

0:41:33.480 --> 0:41:36.200
<v Speaker 1>is that the community. It reminds me of what when

0:41:36.280 --> 0:41:38.000
<v Speaker 1>I grew up, how it was, how families are. Like

0:41:38.040 --> 0:41:40.200
<v Speaker 1>if I leave my lights on in the car, someone

0:41:40.239 --> 0:41:42.440
<v Speaker 1>will knock on my door. Like when I'm bringing like

0:41:42.520 --> 0:41:44.399
<v Speaker 1>the food in, the kids will help me bring the food,

0:41:44.480 --> 0:41:46.840
<v Speaker 1>like random kids would be like woman to help. So

0:41:47.680 --> 0:41:51.520
<v Speaker 1>they say, because you know they want those.

0:41:51.400 --> 0:41:53.960
<v Speaker 2>Ice pops, He's gonna say, what's in it for them?

0:41:54.320 --> 0:41:56.200
<v Speaker 1>I know, but they're so cute. And then like when

0:41:56.200 --> 0:41:58.000
<v Speaker 1>I can I come in the backyard, all I hear

0:41:58.080 --> 0:42:02.399
<v Speaker 1>is a chorus of Hey, Mis's cabday, you know, led

0:42:02.440 --> 0:42:07.000
<v Speaker 1>by many that's Mis Tiffany. And so I will definitely

0:42:07.040 --> 0:42:09.360
<v Speaker 1>miss because sometimes when you move deep into the suburbs,

0:42:10.120 --> 0:42:13.160
<v Speaker 1>there's a lack of community feeling there where like here,

0:42:13.400 --> 0:42:15.840
<v Speaker 1>you just it feels good when I come home, and

0:42:15.920 --> 0:42:18.960
<v Speaker 1>I get that, but then there's also like it's still Newark,

0:42:19.000 --> 0:42:21.400
<v Speaker 1>so there's some in where we live. It's like on

0:42:21.480 --> 0:42:24.279
<v Speaker 1>the borderline of like downtown and the other part of town.

0:42:25.719 --> 0:42:28.040
<v Speaker 1>And so there's like a lot of other elements that

0:42:28.120 --> 0:42:30.640
<v Speaker 1>I'm just kind of like, Yeah, I think I want

0:42:31.200 --> 0:42:33.600
<v Speaker 1>a little bit more quiet. Like, for example, I'm so

0:42:33.760 --> 0:42:36.720
<v Speaker 1>shocked that we're taping right now. Usually by now someone

0:42:37.040 --> 0:42:40.600
<v Speaker 1>is blasting their music on a huge speaker and you

0:42:40.800 --> 0:42:41.920
<v Speaker 1>just have to deal all day long.

0:42:42.000 --> 0:42:43.600
<v Speaker 2>It's gonna be so you know what it's like to

0:42:43.680 --> 0:42:44.360
<v Speaker 2>live in Innwood.

0:42:44.680 --> 0:42:49.640
<v Speaker 1>Yeah, basically, either that it depends whose barbecues that day.

0:42:49.760 --> 0:42:52.680
<v Speaker 1>Is it the you know, the Dominicans next door, whether

0:42:52.719 --> 0:42:56.160
<v Speaker 1>you're gonna hear some Spanish music, Is it the black

0:42:56.160 --> 0:42:58.279
<v Speaker 1>folks across the way that you're gonna hear some you know,

0:42:58.520 --> 0:43:01.200
<v Speaker 1>hip hop, R and B trap mus Is it sometimes

0:43:01.280 --> 0:43:03.040
<v Speaker 1>three people are having a barbecue. So you just get

0:43:03.120 --> 0:43:11.399
<v Speaker 1>like add.

0:43:07.320 --> 0:43:08.319
<v Speaker 2>Confidence a nice word.

0:43:08.760 --> 0:43:10.520
<v Speaker 1>I know, I learned it like a little while ago,

0:43:10.520 --> 0:43:14.480
<v Speaker 1>and I like it. So yeah, so which I like

0:43:14.600 --> 0:43:16.400
<v Speaker 1>in some ways, but in some ways, I'm like, I'm

0:43:16.440 --> 0:43:18.239
<v Speaker 1>ready for some peace and quiet. Plus our place is

0:43:18.239 --> 0:43:20.359
<v Speaker 1>too small. It's only a two bedroom and I really

0:43:20.440 --> 0:43:23.359
<v Speaker 1>need office, man, And are.

0:43:23.280 --> 0:43:24.879
<v Speaker 2>You see this is the We could do a whole

0:43:24.880 --> 0:43:26.960
<v Speaker 2>episode on like how couples since I where to live,

0:43:27.080 --> 0:43:29.640
<v Speaker 2>because this is the single most this is this is

0:43:29.719 --> 0:43:32.440
<v Speaker 2>the only thing we've ever not agreed on where we're

0:43:32.480 --> 0:43:34.759
<v Speaker 2>gonna move to. Because he's just like you, he's like,

0:43:34.800 --> 0:43:37.120
<v Speaker 2>I'm sick of the noise. I mean everything you're talking about,

0:43:37.120 --> 0:43:39.879
<v Speaker 2>the community to having people around. That's everything he hates

0:43:39.960 --> 0:43:42.960
<v Speaker 2>right now about where we live because it's like everybody

0:43:43.040 --> 0:43:45.920
<v Speaker 2>is always around and in your business, and they're like

0:43:46.080 --> 0:43:51.160
<v Speaker 2>loud and it's dirty a year, you know what is nasty? Really,

0:43:51.640 --> 0:43:55.359
<v Speaker 2>it's like it's such a it's such a it's it's

0:43:55.400 --> 0:43:58.319
<v Speaker 2>an extreme example of like income inequality in New York City,

0:43:58.320 --> 0:44:00.880
<v Speaker 2>I'll say real quick. So there's basically the one street

0:44:00.880 --> 0:44:03.400
<v Speaker 2>that divides both halfs of inwood Or it's called Broadway.

0:44:03.560 --> 0:44:07.439
<v Speaker 2>It's always Broadway right right, and on the one side

0:44:07.480 --> 0:44:09.880
<v Speaker 2>near the nice parks, it's the it's the wealthier and

0:44:09.960 --> 0:44:12.600
<v Speaker 2>more white side of town. And then we live on

0:44:12.640 --> 0:44:15.160
<v Speaker 2>the other side, which is it's not so it's it's

0:44:15.200 --> 0:44:19.680
<v Speaker 2>bordering the projects and it's it's all majority Latino, lower income,

0:44:20.200 --> 0:44:24.080
<v Speaker 2>different side of stuff and the clubs and like very loud.

0:44:24.120 --> 0:44:26.439
<v Speaker 2>There's there's a clash all the time between the higher

0:44:26.520 --> 0:44:29.040
<v Speaker 2>income side and Broadway and like the lower income side,

0:44:29.280 --> 0:44:32.000
<v Speaker 2>who's trying to preserve their you know, how the neighborhood

0:44:32.000 --> 0:44:36.560
<v Speaker 2>has always been and resisting what it's becoming. It's kind

0:44:36.600 --> 0:44:39.160
<v Speaker 2>of interesting to like live here during this time when

0:44:39.360 --> 0:44:42.200
<v Speaker 2>when those two sides are clashing against each other. But yeah,

0:44:42.320 --> 0:44:44.200
<v Speaker 2>fiance is ready to get the hell on out of here,

0:44:44.760 --> 0:44:46.800
<v Speaker 2>And I don't know if I'm ready to leave the

0:44:46.840 --> 0:44:47.239
<v Speaker 2>city yet.

0:44:47.880 --> 0:44:50.800
<v Speaker 1>I know, And I mean it's so because it's so convenient,

0:44:50.880 --> 0:44:53.120
<v Speaker 1>like honestly, like the train station to New York, the

0:44:53.239 --> 0:44:56.320
<v Speaker 1>fifteen minute train is not even across the street. It

0:44:56.440 --> 0:45:00.719
<v Speaker 1>is a three minute walk like right on right next door,

0:45:00.840 --> 0:45:03.200
<v Speaker 1>So getting to the train is so easy. Plus living

0:45:03.239 --> 0:45:06.719
<v Speaker 1>downtown the airport is like a seven minute drive to

0:45:06.760 --> 0:45:11.120
<v Speaker 1>an international airport. So I don't know that we'd leave Newark.

0:45:11.400 --> 0:45:14.640
<v Speaker 1>I just don't know if I want to live here.

0:45:15.000 --> 0:45:18.759
<v Speaker 1>So it's weird because he, you know, Superman has lived

0:45:18.840 --> 0:45:21.360
<v Speaker 1>like in basically the hood his whole life, so he

0:45:22.400 --> 0:45:24.439
<v Speaker 1>he has never lived in the suburb, So I don't

0:45:24.560 --> 0:45:26.759
<v Speaker 1>know how he's going to react to not having his

0:45:26.880 --> 0:45:29.120
<v Speaker 1>boys so close, you know what I mean. He's used

0:45:29.160 --> 0:45:32.239
<v Speaker 1>to that community feel and I've had both, and I

0:45:32.360 --> 0:45:34.680
<v Speaker 1>do enjoy the community feel, but I'm also like, ugh,

0:45:35.440 --> 0:45:38.800
<v Speaker 1>I need a break. So I'm thinking that the compromise

0:45:38.800 --> 0:45:42.000
<v Speaker 1>will be that we'll live in Newark, but maybe like

0:45:42.640 --> 0:45:45.560
<v Speaker 1>there's really nice, beautiful sections kind of like around so

0:45:45.640 --> 0:45:49.200
<v Speaker 1>it's like not quite near like the busier section. So plus,

0:45:49.320 --> 0:45:51.279
<v Speaker 1>Supergirl goes to a really great school here, and I

0:45:51.360 --> 0:45:52.759
<v Speaker 1>know he wants to keep her in that school. So

0:45:53.280 --> 0:45:55.040
<v Speaker 1>I mean, I'm willing to compromise because I don't mind

0:45:55.080 --> 0:45:57.480
<v Speaker 1>the city. I just want more space and I want

0:45:57.560 --> 0:46:01.640
<v Speaker 1>more green less buildings that makes me happys In Jersey,

0:46:02.200 --> 0:46:03.919
<v Speaker 1>there are oh my god, you have no idea. There's

0:46:03.920 --> 0:46:05.920
<v Speaker 1>a park that's like maybe like a fifteen minute walk

0:46:06.000 --> 0:46:07.840
<v Speaker 1>but not even from where I live. It's like one

0:46:07.880 --> 0:46:09.960
<v Speaker 1>of my favorite places to go, think Branch Poot Park,

0:46:10.000 --> 0:46:12.640
<v Speaker 1>and it is so pretty. There are parks that I've

0:46:12.719 --> 0:46:15.920
<v Speaker 1>discovered that I'm like, where am I like eighteenth century England?

0:46:16.000 --> 0:46:19.480
<v Speaker 1>It looks like the Rambling Bush. It's so beautiful, honestly,

0:46:19.960 --> 0:46:22.359
<v Speaker 1>and so I'm feeling like I would love to live

0:46:22.440 --> 0:46:24.439
<v Speaker 1>that way because the park is right there, but that's

0:46:24.520 --> 0:46:26.840
<v Speaker 1>part of Newark. North Newark good luck or or Bath.

0:46:27.920 --> 0:46:28.840
<v Speaker 1>It is expensive.

0:46:30.320 --> 0:46:34.920
<v Speaker 2>That's another speaking like extreme income very differences, like Newark's

0:46:34.920 --> 0:46:35.799
<v Speaker 2>a prime example too.

0:46:36.360 --> 0:46:39.239
<v Speaker 1>Mm hmm. You've got more million dollar houses and then

0:46:39.360 --> 0:46:42.560
<v Speaker 1>like ten minute drive later, you've got like, you know,

0:46:42.640 --> 0:46:43.600
<v Speaker 1>the project buildings.

0:46:46.760 --> 0:46:49.680
<v Speaker 2>Side note, you need to watch Viceland's new series with

0:46:49.920 --> 0:46:52.840
<v Speaker 2>Michael kay Williams. He played Omar on The Wire. Okay,

0:46:52.960 --> 0:46:56.279
<v Speaker 2>do you ever watch The Wire? No, he's just like,

0:46:56.960 --> 0:46:59.920
<v Speaker 2>he's just a beautiful, beautiful man, Michael kay Williams. Anyway,

0:47:00.040 --> 0:47:02.799
<v Speaker 2>so he was on Boardwalk Empire. He's from. He lived

0:47:02.840 --> 0:47:04.560
<v Speaker 2>in Newark a lot while he was coming up and

0:47:04.640 --> 0:47:06.760
<v Speaker 2>while he was becoming famous with The Wire and everything,

0:47:07.560 --> 0:47:09.800
<v Speaker 2>and anyway, so he hosts a new show called The

0:47:09.840 --> 0:47:11.880
<v Speaker 2>Black Market on Viceland, and I was just watching it

0:47:11.960 --> 0:47:14.160
<v Speaker 2>last night. In the first episode that I saw, anyway,

0:47:14.640 --> 0:47:19.399
<v Speaker 2>was in Newark looking at the carjacking phenomenon and how

0:47:19.480 --> 0:47:22.480
<v Speaker 2>dangerous it's become. And it's because you have all this

0:47:22.600 --> 0:47:26.480
<v Speaker 2>temptation being near the really expensive part of town aligned

0:47:26.520 --> 0:47:27.880
<v Speaker 2>with the really poor part of town, and then the

0:47:27.960 --> 0:47:30.200
<v Speaker 2>you know, the kids there who don't have any you know,

0:47:30.640 --> 0:47:33.920
<v Speaker 2>any resources or any jobs or whatever, or just doing

0:47:33.960 --> 0:47:36.200
<v Speaker 2>really dangerous things and going and boosting these cars, not

0:47:36.280 --> 0:47:40.960
<v Speaker 2>just boosting but like carjacking with guns. I digress, But

0:47:41.280 --> 0:47:43.080
<v Speaker 2>do you think you'd like it it's about Newark?

0:47:43.680 --> 0:47:45.680
<v Speaker 1>No, No, I would, And I'm just like, wow, I didn't.

0:47:45.680 --> 0:47:47.240
<v Speaker 1>I hadn't heard it. I mean, like I've definitely obviously

0:47:47.280 --> 0:47:49.320
<v Speaker 1>you hear the violence stuff. Just the other day, like

0:47:49.719 --> 0:47:52.040
<v Speaker 1>not even the other day. Yesterday at eleven am, a

0:47:52.160 --> 0:47:56.120
<v Speaker 1>dude stabbed his wife like in our complex, well like

0:47:56.160 --> 0:47:58.759
<v Speaker 1>because our complex is really biggest, three hundred like townhouses.

0:47:59.200 --> 0:48:01.719
<v Speaker 1>But I was like, Superman, it's time to go because

0:48:01.719 --> 0:48:05.040
<v Speaker 1>I'm like, what in the hell. And yeah, so just

0:48:05.200 --> 0:48:08.279
<v Speaker 1>knowing that these like like carjackings, all those all this stuff,

0:48:08.320 --> 0:48:11.520
<v Speaker 1>and of course nowhere you go is exempt, but in

0:48:11.600 --> 0:48:14.480
<v Speaker 1>every place you go has issues and problems. But there's

0:48:14.520 --> 0:48:16.600
<v Speaker 1>just certain issues that you're you're wanting to trade out

0:48:16.640 --> 0:48:17.320
<v Speaker 1>for others, you know.

0:48:17.719 --> 0:48:21.000
<v Speaker 2>Yeah, if I could bring it back weight forgot to answer. Well,

0:48:21.000 --> 0:48:22.640
<v Speaker 2>one of the questions she also had with this, how

0:48:22.680 --> 0:48:24.880
<v Speaker 2>do we start talking about all this with mortgage questions?

0:48:26.760 --> 0:48:29.840
<v Speaker 2>Sorry girl, sorry Nina girl. Well, this one question is

0:48:30.160 --> 0:48:32.120
<v Speaker 2>should she refinance? If so, should she go to a

0:48:32.160 --> 0:48:35.080
<v Speaker 2>bank or a credit union? You definitely want to shop

0:48:35.160 --> 0:48:38.520
<v Speaker 2>around for the best rate first, and credit unions can

0:48:38.600 --> 0:48:40.319
<v Speaker 2>be very kind with their rates. They're able to give

0:48:40.360 --> 0:48:42.680
<v Speaker 2>lower rates because they don't spend a lot on marketing

0:48:42.719 --> 0:48:45.960
<v Speaker 2>and all that kind of crap and fees. So my my,

0:48:46.360 --> 0:48:49.880
<v Speaker 2>my inclination is to start with a credit union or

0:48:49.880 --> 0:48:50.759
<v Speaker 2>a local bank first.

0:48:53.239 --> 0:48:55.440
<v Speaker 1>But Chapara, you just never know because you know, it's

0:48:55.520 --> 0:48:59.080
<v Speaker 1>like going to different places to buy clothes. Yes, you

0:48:59.160 --> 0:49:03.200
<v Speaker 1>know that traditiontion only Macy's is more expensive than Old Navy,

0:49:03.239 --> 0:49:05.040
<v Speaker 1>but Macy's might be having a huge sale that day,

0:49:05.320 --> 0:49:08.440
<v Speaker 1>you know, So just shopping around and making sure that

0:49:08.520 --> 0:49:11.000
<v Speaker 1>you get the best free and asking that question. Like

0:49:11.080 --> 0:49:12.839
<v Speaker 1>when I bought my home, I was like twenty five,

0:49:13.320 --> 0:49:16.200
<v Speaker 1>but one of the things I asked was, when it's

0:49:16.280 --> 0:49:18.920
<v Speaker 1>all said and done, what is my bill going to

0:49:18.920 --> 0:49:20.319
<v Speaker 1>look like? Because they would give you all these random

0:49:20.400 --> 0:49:23.520
<v Speaker 1>numbers and net okay, so what is my monthly bill

0:49:23.560 --> 0:49:26.000
<v Speaker 1>going to I need that number because you can give

0:49:26.040 --> 0:49:27.520
<v Speaker 1>me a super low rap, but there are all these

0:49:27.560 --> 0:49:29.520
<v Speaker 1>other fees and P and I and blah blah blah.

0:49:30.120 --> 0:49:32.399
<v Speaker 1>So I was able to make a decision based upon

0:49:32.560 --> 0:49:34.080
<v Speaker 1>what my actual bill was going to look like, and

0:49:34.120 --> 0:49:35.440
<v Speaker 1>when I got it That's exactly.

0:49:35.160 --> 0:49:37.719
<v Speaker 2>What it was. Is that so danger to when you

0:49:37.880 --> 0:49:40.719
<v Speaker 2>are refinancing that they're gonna, like you want to lower

0:49:40.760 --> 0:49:42.440
<v Speaker 2>your monthly payment, so they might put you in a

0:49:42.520 --> 0:49:45.640
<v Speaker 2>longer term loan, But won't that like couldn't that eventually

0:49:45.719 --> 0:49:47.919
<v Speaker 2>make you spend more in interest over the long term,

0:49:48.000 --> 0:49:51.120
<v Speaker 2>because like your payment might look smaller, their monthly payment

0:49:51.160 --> 0:49:53.799
<v Speaker 2>might look smaller, But if you're stretching out how long

0:49:53.840 --> 0:49:56.960
<v Speaker 2>you're making those payments, you could end up spending more

0:49:57.160 --> 0:49:59.080
<v Speaker 2>just the same like in the same way. So there's

0:49:59.080 --> 0:50:00.520
<v Speaker 2>a lot of different for.

0:50:00.719 --> 0:50:02.640
<v Speaker 1>Numbers to ask for it. You're right, no, for sure,

0:50:02.840 --> 0:50:04.960
<v Speaker 1>asking like, okay, what's my monthly payment going to be?

0:50:05.040 --> 0:50:06.319
<v Speaker 1>And in the end, what am I going to end

0:50:06.400 --> 0:50:08.920
<v Speaker 1>up spending and paying for this house? So just getting

0:50:08.960 --> 0:50:11.880
<v Speaker 1>all of your numbers, like and just making sure that

0:50:12.000 --> 0:50:14.480
<v Speaker 1>you're okay with those numbers, because you're right, the longer

0:50:14.520 --> 0:50:17.480
<v Speaker 1>you pay on something it could raise how much you

0:50:17.560 --> 0:50:20.520
<v Speaker 1>end up paying for the thing itself. That lower payments

0:50:20.560 --> 0:50:22.640
<v Speaker 1>don't necessarily equal less money in the long run.

0:50:23.320 --> 0:50:26.160
<v Speaker 2>Yes, And that was she has a mortgage, So personally

0:50:26.160 --> 0:50:27.800
<v Speaker 2>she had a mortgage at four point two five percent,

0:50:27.800 --> 0:50:29.440
<v Speaker 2>which is not bad, but it's not as good as

0:50:29.520 --> 0:50:32.120
<v Speaker 2>some of the other lower rates. Even shaving a percentage

0:50:32.160 --> 0:50:33.960
<v Speaker 2>point off your mortgage can make a big difference, or

0:50:34.000 --> 0:50:36.480
<v Speaker 2>like half a percentage points when you're talking about a

0:50:36.520 --> 0:50:38.440
<v Speaker 2>thirty year more, it's a lot of money you could save.

0:50:39.480 --> 0:50:41.680
<v Speaker 2>She did get the mortgage last August. I think you

0:50:41.800 --> 0:50:44.840
<v Speaker 2>have to wait at least like six months before you

0:50:44.880 --> 0:50:46.960
<v Speaker 2>can really take to refinance your mortgage. What is like

0:50:47.160 --> 0:50:49.960
<v Speaker 2>six to eight months at least, So the fact that

0:50:50.000 --> 0:50:52.600
<v Speaker 2>it's been so soon might be an issue, but it's

0:50:52.640 --> 0:50:54.600
<v Speaker 2>about actually it's August. Oh my god, it's about to

0:50:54.640 --> 0:50:57.320
<v Speaker 2>be August. She's sign it for a year. Okay, you

0:50:57.400 --> 0:51:04.200
<v Speaker 2>probably can. Holy crap, my birthday is coming. Eh, twenty nine.

0:51:04.880 --> 0:51:07.200
<v Speaker 2>I've already started saying I'm twenty nine because it sounds

0:51:07.280 --> 0:51:08.279
<v Speaker 2>like a nice age.

0:51:08.400 --> 0:51:11.359
<v Speaker 1>I like it. I'll get you claiming it before it's

0:51:11.400 --> 0:51:11.600
<v Speaker 1>hee it.

0:51:12.040 --> 0:51:14.359
<v Speaker 2>I've been because it's like it's just exhausting to say

0:51:14.360 --> 0:51:15.640
<v Speaker 2>I'm twenty eight. But in a month, you know, when

0:51:15.680 --> 0:51:17.080
<v Speaker 2>you go the dentist, I'm like, how old are you?

0:51:17.080 --> 0:51:21.440
<v Speaker 2>I'm like, ah, twenty nine, own it, live it, leerve it.

0:51:23.120 --> 0:51:25.879
<v Speaker 1>I'm about to be thirty. It's so weird. Saying thirty seven.

0:51:25.960 --> 0:51:29.319
<v Speaker 1>I'm like, who's that? Wait? Is that me? Oh my god?

0:51:29.440 --> 0:51:31.120
<v Speaker 2>I love ages that end in seven. I had the

0:51:31.160 --> 0:51:33.000
<v Speaker 2>biggest party for my twenty seventh birthday.

0:51:33.840 --> 0:51:36.040
<v Speaker 1>You such overirdo. She I love ages that end in seven.

0:51:36.239 --> 0:51:39.320
<v Speaker 2>I do getting married on the seventh and twenty seventeen.

0:51:39.520 --> 0:51:40.800
<v Speaker 2>I just like the number seven.

0:51:40.960 --> 0:51:43.120
<v Speaker 1>Because honestly, it's I'm not gonna lie, it's my favorite number.

0:51:43.160 --> 0:51:45.040
<v Speaker 1>So I'm teasing you, but it's my favorite number.

0:51:45.320 --> 0:51:48.719
<v Speaker 2>I'm thirty, you know, lucky seven. Thirty seven could be

0:51:48.800 --> 0:51:52.279
<v Speaker 2>a big birthday. Not sure what could happen. I know,

0:51:52.640 --> 0:51:54.000
<v Speaker 2>I feel like you should have a party though, and

0:51:54.040 --> 0:51:56.960
<v Speaker 2>get everyone he loves I know in the room right.

0:51:57.160 --> 0:51:59.120
<v Speaker 1>Probably going to be like a birthday party. I'm like,

0:51:59.280 --> 0:51:59.920
<v Speaker 1>just come get it.

0:52:00.040 --> 0:52:01.520
<v Speaker 2>Get a manicure too, just in case.

0:52:01.840 --> 0:52:03.640
<v Speaker 1>I do know you already know I am. I'm gonna

0:52:03.640 --> 0:52:06.200
<v Speaker 1>get a manicure and my faith beat professionally because you

0:52:06.280 --> 0:52:10.440
<v Speaker 1>have pictures. Gerald's gonna be like really, I mean, it's gonna.

0:52:10.160 --> 0:52:16.160
<v Speaker 2>Be like really looking like Oprah. Yes, I'm ready, I'm here.

0:52:17.600 --> 0:52:20.799
<v Speaker 1>And he's like, and you know, here's a teddy Bear,

0:52:21.000 --> 0:52:22.879
<v Speaker 1>Like that's not That's not what I find out.

0:52:22.800 --> 0:52:25.400
<v Speaker 2>For Oh, that's the saddest image you and your pageant

0:52:25.880 --> 0:52:31.680
<v Speaker 2>make doing like during the wave, like the Princess pageant wave,

0:52:32.280 --> 0:52:35.080
<v Speaker 2>and I'm being given a teddy bear, I know, right, like,

0:52:35.239 --> 0:52:38.879
<v Speaker 2>oh okay, still having to be graceful about it, because

0:52:38.880 --> 0:52:40.560
<v Speaker 2>you're a beauty queen exactly.

0:52:40.760 --> 0:52:43.000
<v Speaker 1>Like No, even all my friends and family are, They're like,

0:52:43.200 --> 0:52:48.480
<v Speaker 1>so that was kind of a let down. No, but

0:52:48.560 --> 0:52:50.320
<v Speaker 1>it's all good though, all right. So you want to

0:52:50.400 --> 0:52:53.239
<v Speaker 1>end any any last win, or you want to end

0:52:53.320 --> 0:52:54.200
<v Speaker 1>with a book suggestion.

0:52:55.000 --> 0:52:57.239
<v Speaker 2>I'm gonna end with the win, which is going to

0:52:57.280 --> 0:52:58.759
<v Speaker 2>be flow us to speech, and it's going to be

0:52:58.800 --> 0:53:01.120
<v Speaker 2>a reminder that we should all do our civic duty

0:53:01.160 --> 0:53:05.640
<v Speaker 2>and go watch Michelle Obama's entire speech on a Internet

0:53:05.800 --> 0:53:09.359
<v Speaker 2>connection near you. You will thank me for it. You're

0:53:09.400 --> 0:53:10.480
<v Speaker 2>welcome in advance.

0:53:11.320 --> 0:53:15.520
<v Speaker 1>And I'm going to end with a book suggestion, although

0:53:15.520 --> 0:53:18.000
<v Speaker 1>I have not read it, but I one of my

0:53:18.080 --> 0:53:22.359
<v Speaker 1>great friends she's got this black bridle brand, well women

0:53:22.440 --> 0:53:25.160
<v Speaker 1>of color bridle brand called Wunnaluchi Bridle, and I saw

0:53:25.200 --> 0:53:27.000
<v Speaker 1>her post it on social media, so I bought it.

0:53:27.560 --> 0:53:32.879
<v Speaker 1>It's called Contagious Why Things Catch On, and it looks

0:53:32.960 --> 0:53:35.800
<v Speaker 1>really good. I'm excited to read because I love marketing books.

0:53:36.160 --> 0:53:37.560
<v Speaker 1>And so if you have a business or you're just

0:53:37.600 --> 0:53:40.520
<v Speaker 1>trying to you know, you just like reading. I don't

0:53:40.520 --> 0:53:44.320
<v Speaker 1>know marketing books like I do. Doesn't I know, but

0:53:44.640 --> 0:53:48.680
<v Speaker 1>I read It's got really great reviews, and so I'm

0:53:48.719 --> 0:53:50.640
<v Speaker 1>excited to read it. I'll report back. But ye have

0:53:50.840 --> 0:53:54.120
<v Speaker 1>contagious why things catch on, And we're gonna start like

0:53:54.160 --> 0:53:56.080
<v Speaker 1>you know, so me and Mandy are gonna start sharing

0:53:56.480 --> 0:53:58.480
<v Speaker 1>our resources and some of you guys will like tweet

0:53:58.520 --> 0:54:00.680
<v Speaker 1>us some stuff and ask about them. So we're gonna

0:54:00.719 --> 0:54:03.600
<v Speaker 1>start giving you guys the links to the resources we

0:54:03.719 --> 0:54:07.200
<v Speaker 1>mentioned in on our on our website. What's our website again?

0:54:07.280 --> 0:54:08.759
<v Speaker 1>Broun Ambition podcast dot com?

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<v Speaker 2>Whoa click? You don't even know us? Did I say

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<v Speaker 2>it right around Ambition podcast dot com?

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<v Speaker 1>So if you ever hear something on the show and

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<v Speaker 1>you're like, wait, what was that, Well, we'll be sharing

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<v Speaker 1>the links and stuff. We'll have like a little resource section.

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<v Speaker 2>Yes we will. I agree with that. I'm gonna do that.

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<v Speaker 2>Yes thing there