WEBVTT - Ep. 133 — The Pregnancy Tax

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<v Speaker 1>Hey, hey, hey, we're back. We're black, We're brown.

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<v Speaker 2>I'm Tiffany, I'm Mandy, and I am so disappointed because

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<v Speaker 2>last week was Juneteenth, and I forgot to mention it,

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<v Speaker 2>and I even had it in my notes and everything.

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<v Speaker 2>I'm baddees happy June teens to everybody. Was June teenth,

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<v Speaker 2>Actually I believe it was it. It used to be

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<v Speaker 2>specific to the emancipation of slaves in Texas, I believe.

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<v Speaker 2>But it's almost like it's become this like proxy to

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<v Speaker 2>celebrate the end of slavery, because there was not really

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<v Speaker 2>an official holiday for that, right, and so I think

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<v Speaker 2>that's what it's it's become to symbolize, like largely is

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<v Speaker 2>like the end of slavery. It's like an opportunity just

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<v Speaker 2>to be black and fabulous and have cookouts, of which

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<v Speaker 2>I participated in a nun. So that's a sad Oh, actually,

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<v Speaker 2>you know, I did. I we went to the Westchester

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<v Speaker 2>get it, where I live. West just the is known

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<v Speaker 2>for I don't know. I always had this perception of

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<v Speaker 2>the suburbs of New York as being like where the

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<v Speaker 2>brown people stop. But I've been pleasantly surprised, like our

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<v Speaker 2>neighborhood is so diverse. And they had the African American

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<v Speaker 2>Heritage Festival like down the street from us, So it

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<v Speaker 2>was actually just a we have this nice little nature

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<v Speaker 2>path that we can walk to this like public park

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<v Speaker 2>where they had the festival, and they had like really

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<v Speaker 2>good food and it was nice, nice little surprise. What God,

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<v Speaker 2>that was my Juneteenth?

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<v Speaker 1>Your Juntee's big big off yourself. Yeah, so both of

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<v Speaker 1>us had you like message me. Remember you messaged me

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<v Speaker 1>like we were talking, I think, like post last podcast

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<v Speaker 1>about your ac quote. Girl, I just got a quote

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<v Speaker 1>today and I was like, you know what, I'm just

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<v Speaker 1>gonna be hot girl. They told me sixty thousand dollars.

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<v Speaker 1>I was like, am I buying a new house? I'm sure?

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<v Speaker 1>Like what? All right?

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<v Speaker 2>You know Misery Loves Company. I'm actually kind of excited

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<v Speaker 2>that you got a terrible bit because then you were

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<v Speaker 2>telling me your bid was like way less than mine.

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<v Speaker 2>I was like, you, no, it wasn't.

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<v Speaker 1>Well, it was just him them, like you know, like

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<v Speaker 1>our project manager saying that this is what it should

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<v Speaker 1>be between and I said, oh, okay, so we got

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<v Speaker 1>such a high bid. I'm like, is that is that?

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<v Speaker 1>You know? This doesn't sound right? But like I said,

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<v Speaker 1>he does commercial, so you know, I said, I can't

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<v Speaker 1>wait for for him to get back from vacation so

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<v Speaker 1>I can be like, sir, do you know somebody who

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<v Speaker 1>will do it for fifteen thousand? That's looking good right

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<v Speaker 1>about now, because honestly, we're not We're not going to

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<v Speaker 1>pay sixty thousand dolls. We're I mean, we'll just be

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<v Speaker 1>putting units in the window because this is not our

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<v Speaker 1>forever house and that's just so much. And that's just

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<v Speaker 1>ac like we have to get the house rewired, you know,

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<v Speaker 1>So that's like that's no negotiable. So and I'm assuming

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<v Speaker 1>that's going to be probably twenty thirty thousand dollars, but

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<v Speaker 1>that's just something you have to do unless you want

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<v Speaker 1>to die in a fury of fire, you know, so

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<v Speaker 1>you trade offs. Yeah, exact exactly. Oh boy, So yeah,

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<v Speaker 1>I'm not exactly happy right now. So when he came today,

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<v Speaker 1>we still have a few more quotes to do, but

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<v Speaker 1>I'm not feeling all that optimistic.

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<v Speaker 2>Listen, forget all these quotes. Man, We've gotten so many quotes.

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<v Speaker 2>I'm so at this point, I'm glad that we've sort

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<v Speaker 2>of taken our time. But the like these people out here.

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<v Speaker 2>I guess the economy is good and they have a

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<v Speaker 2>lot of jobs, and I'm very happy for them and

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<v Speaker 2>their families, But why can't they return calls and show

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<v Speaker 2>up when they say they're going to show up, Because

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<v Speaker 2>it's almost like they're like, oh, you need us more

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<v Speaker 2>than you know we need you, And that is what's

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<v Speaker 2>been challenging. So anybody out there who's doing a home

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<v Speaker 2>improvement project, like whether it's small, large, whatever, we are

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<v Speaker 2>here with you, alongside you.

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<v Speaker 1>Yes, that's the only thing that's been kind of helped.

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<v Speaker 1>It's nice like when I post something on social and

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<v Speaker 1>someone kind of shows me, like sends me like a

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<v Speaker 1>video of like what they're fixing up. So it's been

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<v Speaker 1>like a nice little nick community of people who are

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<v Speaker 1>both excited and dismayed by the prom.

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<v Speaker 2>I'm thinking, like, I think part of my problem is

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<v Speaker 2>I think I'm always, i think healthily pessimistic about finances

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<v Speaker 2>in general. I'm always like, well, what if I break

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<v Speaker 2>my back and what if you know, we're we're kind

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<v Speaker 2>of planning on the assumption that everything is going to

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<v Speaker 2>continue going a certain way, and that is where I'm

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<v Speaker 2>always in with Like, but this could happen kind of

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<v Speaker 2>like negative Nancy, and I you know, it's frustrating to

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<v Speaker 2>my husband because of course he wants like I'm kind

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<v Speaker 2>of bursting his bubble. He loves this whole thing. He

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<v Speaker 2>loves this is a dream, He's always wanted this. But

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<v Speaker 2>I mean, I'm happy to be the negative one because

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<v Speaker 2>I kind of feel like you need that balance at

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<v Speaker 2>a certain point. You got to stop agonizing about it

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<v Speaker 2>and just make a decision with the best information that

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<v Speaker 2>you have. I'm talking to myself here. Okay, I'm sorry,

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<v Speaker 2>I'm doing that thing where I have a problem and

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<v Speaker 2>I'm like talking to myself.

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<v Speaker 1>Out of it.

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<v Speaker 3>I do that.

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<v Speaker 2>Oh or just prey, just pray.

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<v Speaker 1>No, it's true. And that's we two. Here's the thing

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<v Speaker 1>that I do. Like that my my, uh it's Blue Design,

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<v Speaker 1>Blue Blue Design and Development BLU.

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<v Speaker 2>Like.

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<v Speaker 1>So, our project manager, one of the things that he

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<v Speaker 1>talked to us about is really understanding price per square foot,

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<v Speaker 1>you know, and I didn't really get it before he said,

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<v Speaker 1>so let's just say, like I think our house is

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<v Speaker 1>like two thousand, two hundred and fifty square feed right,

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<v Speaker 1>like of livable space, right, and so there is an

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<v Speaker 1>average price for square foot in like the section that

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<v Speaker 1>we live in in Newark. So if we bought the

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<v Speaker 1>house for one eighty and we put let's just say

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<v Speaker 1>one hundred thousand dollars worth of work into it, then

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<v Speaker 1>that's you know, three thousand, three hundred and eighty thousand,

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<v Speaker 1>and then you divide that by the square foot of

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<v Speaker 1>the house and you get your price per square foot.

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<v Speaker 1>So what he's teaching us is as we make decisions,

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<v Speaker 1>like so that way kind of takes the emotion out

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<v Speaker 1>of it. How like this is going to increase the

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<v Speaker 1>you know, like, how is that going to affect the

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<v Speaker 1>price per square foot? Because that's how an investor thinks,

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<v Speaker 1>and so it doesn't make sense like, you know, like

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<v Speaker 1>if we invest sixty thousand dollars in the ac how

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<v Speaker 1>much of that where are we actually going to get

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<v Speaker 1>back if we sell? You know, are we going to

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<v Speaker 1>get back forty thousand? Now, if we were living here forever,

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<v Speaker 1>I would for sure, I don't know that i'd pay sixty,

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<v Speaker 1>but we'd find a way to get like central air

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<v Speaker 1>throughout the house because I'm like, well, we're going to

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<v Speaker 1>be living here like forever, like you know, barring any

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<v Speaker 1>major emergency, but we know for a fact that this

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<v Speaker 1>is not our forever house. We literally won't be here.

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<v Speaker 1>Our plan is between two and five years maximum, and

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<v Speaker 1>so it just doesn't make sense to invest that much

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<v Speaker 1>money because I don't We're just not going to get

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<v Speaker 1>it back. And when I look around the neighborhood, because

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<v Speaker 1>that's something I did too, I see next I wonder

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<v Speaker 1>why there's a lot of really beautiful homes while you

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<v Speaker 1>don't really see I don't see that much central air.

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<v Speaker 1>I see a lot of like units in the window,

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<v Speaker 1>and I'm like, oh, because these homes are built in

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<v Speaker 1>like nineteen twenties, a lot of the homes in the

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<v Speaker 1>area where I'm living. And so I understand now because

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<v Speaker 1>it just doesn't make financial sense to make that level

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<v Speaker 1>of investment unless it makes the emotional sense of I'm

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<v Speaker 1>staying here for like a really long time. And so

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<v Speaker 1>I'm just like yeah, and so like, I mean.

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<v Speaker 2>It makes perfect sense if you guys are just living

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<v Speaker 2>in a few years totally listen.

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<v Speaker 1>Like before it used to be like oh, because you know,

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<v Speaker 1>you see on HGTV they'll be like, oh, the property

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<v Speaker 1>brothers reno, will it takes seven weeks?

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<v Speaker 2>What in the lying I literally throw my shoe at

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<v Speaker 2>the television. Now I'm like, it's not true.

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<v Speaker 1>Like that's honestly such a lie because such just waiting

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<v Speaker 1>for the permit is like a month, yeah, like you know,

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<v Speaker 1>and so I'm just like, yeah, I mean before when

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<v Speaker 1>we first bought, we were like, ooh, you know, we'll

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<v Speaker 1>be in there in a couple of months. Now I'm

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<v Speaker 1>just like, please, please, little baby Jesus, can we be

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<v Speaker 1>in by the end of the year. That is my

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<v Speaker 1>That is my prayer that by the end of the

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<v Speaker 1>year that I'll be able to sleep into bed. That

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<v Speaker 1>it's not our apartment, but you know, but either way,

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<v Speaker 1>it's our's right.

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<v Speaker 2>Say if you want to make a contractor laugh, make plans,

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<v Speaker 2>isn't that how that goes? No, Okay, listen, we have

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<v Speaker 2>to talk about this.

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<v Speaker 1>We have to.

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<v Speaker 2>I'm demanding it because it really struck my heart this

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<v Speaker 2>article in the New York Times that I read over

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<v Speaker 2>the weekend about how in two thousand, what years is

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<v Speaker 2>twenty eighteen, women are still like pregnancy discrimination against women

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<v Speaker 2>in the workplace is still rampant. And the reason this,

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<v Speaker 2>of course struck my attention is, I mean, I think

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<v Speaker 2>it's no secret that you're obviously thinking about starting a family.

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<v Speaker 2>I know you don't have a traditional job, but I do,

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<v Speaker 2>and I think about this all the time, not necessarily

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<v Speaker 2>because I'm trying to get pregnant tomorrow, but I feel

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<v Speaker 2>like to be a woman like there. People just don't

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<v Speaker 2>understand what it's like. I mean, when you when you

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<v Speaker 2>when you purposefully know you have to plan your career

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<v Speaker 2>around this, you know, giving creating life and creating a

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<v Speaker 2>human and not only does that change your body dramatically,

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<v Speaker 2>but then after that, like when the baby is born,

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<v Speaker 2>understanding that you're only going to be able to spend

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<v Speaker 2>so much time with it because of your career and

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<v Speaker 2>trying to plan around that. It's just like it's almost

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<v Speaker 2>like you're in it alone as a woman, like you're

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<v Speaker 2>if your employer is not supporting you. And people always

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<v Speaker 2>talk about, you know, why should we have maternity you know,

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<v Speaker 2>why should we pay for maternity benefits for someone who

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<v Speaker 2>is purposefully you know, getting pregnant on their own time,

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<v Speaker 2>you know, not on the workplace or whatever. You know,

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<v Speaker 2>why should we provide those benefits? And I it's just

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<v Speaker 2>astounding to me that in twenty eighteen, there's still women

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<v Speaker 2>who are getting passed over for promotions like this. You

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<v Speaker 2>have to read this article passover for promotions, demoted or

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<v Speaker 2>just outright fired or laid off the minute they either

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<v Speaker 2>request maternity leave or let someone know that they're pregnant.

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<v Speaker 2>Like the most heartbreaking story this one woman named Tisha

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<v Speaker 2>who worked at Walmart I think in Jacksonville, Florida. She

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<v Speaker 2>was working in I think the bakery or the like,

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<v Speaker 2>the prepared food section. She used to have to lift

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<v Speaker 2>these heavy boxes, like you know, all the time as

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<v Speaker 2>part of her day to day work. And her doctor,

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<v Speaker 2>when she became pregnant with her fourth child, said, you know,

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<v Speaker 2>because of this pregnancy you've had pain before, you need

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<v Speaker 2>to not lift anything more than twenty pounds. And she

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<v Speaker 2>went to her manager and the manager said, and this

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<v Speaker 2>is what she says. Her manager says that, I don't know,

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<v Speaker 2>back in the early two thousands or the nineties, like

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<v Speaker 2>Demi Moore, the actress, I don't know, she used to

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<v Speaker 2>she did an interview on like David Letterman when she

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<v Speaker 2>was really pregnant, and apparently she did gymnastics. So her

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<v Speaker 2>manager's response to Otisha was, well, Demi Moore is over

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<v Speaker 2>on TV doing gymnastics while she's pregnant, Like, why can't

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<v Speaker 2>you lift a box?

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<v Speaker 1>That's just so honestly so ignorant, Like to me, it

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<v Speaker 1>just shows why more women need to be in positions

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<v Speaker 1>of power in in corporate America or otherwise, or whether

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<v Speaker 1>owning a business or whatever, because that doesn't even make

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<v Speaker 1>any sense. It's so crazy because when we had our

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<v Speaker 1>when we had I think it was three women on

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<v Speaker 1>our team had like babies. Literally, it was like a

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<v Speaker 1>baby in November, a baby in December, a baby in January.

0:11:15.440 --> 0:11:17.720
<v Speaker 1>And I didn't even have like a time frame. I mean,

0:11:17.760 --> 0:11:20.319
<v Speaker 1>I guess because we're also we're small still, but it

0:11:20.360 --> 0:11:22.400
<v Speaker 1>was just we knew it was happening obviously because we

0:11:22.400 --> 0:11:25.640
<v Speaker 1>were all excited and everybody on the team has a buddy,

0:11:25.800 --> 0:11:29.960
<v Speaker 1>and the only request was prep your buddy to be

0:11:30.000 --> 0:11:32.920
<v Speaker 1>able to take care of your your core deliverables. And

0:11:32.960 --> 0:11:37.000
<v Speaker 1>sometimes it met like tamor who's our manager for the

0:11:37.000 --> 0:11:40.320
<v Speaker 1>Liberature Academy. Tambora had such a big position, so she

0:11:40.400 --> 0:11:44.080
<v Speaker 1>prepped three people to do her full role, and I

0:11:44.080 --> 0:11:45.640
<v Speaker 1>didn't give her a time frame. I was like, come

0:11:45.679 --> 0:11:47.360
<v Speaker 1>on back when you're ready, and I think she was

0:11:47.360 --> 0:11:48.840
<v Speaker 1>gone for like a month, and a half and she's like,

0:11:49.080 --> 0:11:50.360
<v Speaker 1>I think I want to come back now, and we

0:11:50.360 --> 0:11:52.720
<v Speaker 1>were like, okay, I mean not to say. I mean,

0:11:52.720 --> 0:11:55.440
<v Speaker 1>I'm sure it's like become a bigger company, it'll be

0:11:55.520 --> 0:11:58.320
<v Speaker 1>a little bit more structured. But I it's just so

0:11:58.800 --> 0:12:02.440
<v Speaker 1>crazy to me that you would request for Like why

0:12:02.480 --> 0:12:05.000
<v Speaker 1>should a woman have to choose? Like, you have a mom, right,

0:12:05.320 --> 0:12:08.199
<v Speaker 1>You're here as a result of your mom somehow making

0:12:08.240 --> 0:12:10.760
<v Speaker 1>a way to have you. I just don't understand why

0:12:10.760 --> 0:12:12.800
<v Speaker 1>people don't see the connection between the fact that you

0:12:13.040 --> 0:12:15.400
<v Speaker 1>have someone gave birth to you and other people are

0:12:15.400 --> 0:12:17.840
<v Speaker 1>giving birth as well, and to provide a space for

0:12:17.880 --> 0:12:20.520
<v Speaker 1>that to happen in a way that doesn't jeopardize them

0:12:20.520 --> 0:12:21.880
<v Speaker 1>being able to take care of their family.

0:12:22.480 --> 0:12:25.120
<v Speaker 2>Well, it's the stigma around becoming pregnant or becoming a

0:12:25.160 --> 0:12:28.080
<v Speaker 2>mother too, that that is what I think does damage,

0:12:28.120 --> 0:12:31.079
<v Speaker 2>Like the stigma. So someone who requests time off because

0:12:31.120 --> 0:12:34.320
<v Speaker 2>they have childcare gaps or their kid is sick is

0:12:34.400 --> 0:12:37.319
<v Speaker 2>looked down upon and some by some employers or some

0:12:37.400 --> 0:12:40.720
<v Speaker 2>managers more negatively than someone who asked time off because

0:12:40.720 --> 0:12:44.600
<v Speaker 2>they hurt their back or they got sick over the weekend.

0:12:44.760 --> 0:12:46.800
<v Speaker 2>Like there's just a stigma around it, like, oh, you know,

0:12:46.840 --> 0:12:47.920
<v Speaker 2>they're not as committed.

0:12:48.800 --> 0:12:49.040
<v Speaker 1>I mean.

0:12:49.080 --> 0:12:51.840
<v Speaker 2>This article cites a study that shows that for every

0:12:51.920 --> 0:12:55.280
<v Speaker 2>child a woman has, it takes away four percent of

0:12:55.320 --> 0:13:00.240
<v Speaker 2>for hourly wages, while men somehow increase their way just

0:13:00.240 --> 0:13:03.440
<v Speaker 2>by six percent when they become follers. It just doesn't

0:13:03.920 --> 0:13:06.680
<v Speaker 2>it just doesn't compute. I don't know. I'm just getting

0:13:06.760 --> 0:13:08.920
<v Speaker 2>like the error message on a calculator where it's just

0:13:08.920 --> 0:13:12.160
<v Speaker 2>like zero zero zero zero zero, and it's just, uh,

0:13:12.480 --> 0:13:13.439
<v Speaker 2>it's sad because you do.

0:13:14.640 --> 0:13:15.000
<v Speaker 1>I don't know.

0:13:15.040 --> 0:13:18.400
<v Speaker 2>I'm maybe I'm like crazy, but I want to believe

0:13:18.440 --> 0:13:22.320
<v Speaker 2>that I can have a great career and have a

0:13:22.400 --> 0:13:27.120
<v Speaker 2>kid and that it won't Maybe I'm just naive, but

0:13:27.160 --> 0:13:30.520
<v Speaker 2>I don't want to believe that my choice to start

0:13:30.559 --> 0:13:33.160
<v Speaker 2>a family would it would hurt my career, you know,

0:13:33.480 --> 0:13:38.160
<v Speaker 2>or make people think of me differently. I don't know.

0:13:38.280 --> 0:13:41.200
<v Speaker 2>There's no women also working above me at my job.

0:13:41.280 --> 0:13:44.800
<v Speaker 2>My direct manager is a man, an amazing man. Love him.

0:13:44.840 --> 0:13:45.360
<v Speaker 1>He's great.

0:13:45.400 --> 0:13:48.880
<v Speaker 2>I don't I don't foresee any issues. But that's everyone

0:13:48.920 --> 0:13:51.360
<v Speaker 2>I look at my company. Every single one above me

0:13:52.200 --> 0:13:54.720
<v Speaker 2>unless you unless you switch over to HR is a

0:13:54.760 --> 0:13:59.800
<v Speaker 2>white male yeap like one hundred percent. And you know,

0:14:00.360 --> 0:14:03.800
<v Speaker 2>I don't think my two I don't. I know that

0:14:03.840 --> 0:14:07.079
<v Speaker 2>my direct manager doesn't have kids, and there's not a

0:14:07.120 --> 0:14:08.960
<v Speaker 2>lot of people on my team who have kids. So

0:14:09.080 --> 0:14:11.240
<v Speaker 2>I think I might be like a freak of nature,

0:14:12.440 --> 0:14:14.760
<v Speaker 2>like when I, you know, finally pop out a kid

0:14:14.840 --> 0:14:17.280
<v Speaker 2>or something, it's gonna be like uncharted territory. I think

0:14:17.280 --> 0:14:21.240
<v Speaker 2>for our team. But uh, I think whether my managers

0:14:21.280 --> 0:14:23.200
<v Speaker 2>we haven't obviously discussed it. I don't think it's anything

0:14:23.240 --> 0:14:25.680
<v Speaker 2>you need to discuss beforehand, But I think about it

0:14:25.720 --> 0:14:28.000
<v Speaker 2>when I'm laying out my plan a year or two

0:14:28.000 --> 0:14:30.960
<v Speaker 2>from a year or two from now, Like, do I

0:14:31.040 --> 0:14:34.240
<v Speaker 2>have someone who can do what I do while I'm away?

0:14:34.320 --> 0:14:34.520
<v Speaker 1>You know?

0:14:34.600 --> 0:14:36.840
<v Speaker 2>Do we have systems in place where if I were

0:14:36.880 --> 0:14:38.400
<v Speaker 2>to be gone for a few months, like the whole

0:14:38.400 --> 0:14:39.760
<v Speaker 2>place when it comes crashing down?

0:14:40.040 --> 0:14:42.480
<v Speaker 1>Yeah, that's systems. That's the part that makes it the

0:14:43.320 --> 0:14:47.320
<v Speaker 1>you know, systems and backups make everything possible, you know.

0:14:48.280 --> 0:14:50.240
<v Speaker 1>So yeah, I remember when Tammver came back, She's like, Wow,

0:14:50.280 --> 0:14:51.960
<v Speaker 1>it's like you guys didn't even need me. I'm like, oh,

0:14:52.000 --> 0:14:54.360
<v Speaker 1>we always need because we do. But it was just

0:14:54.480 --> 0:14:57.200
<v Speaker 1>nice then, like everything didn't fall you know didn't go

0:14:57.280 --> 0:15:00.280
<v Speaker 1>to to Helen hand basket because she was in there

0:15:00.280 --> 0:15:02.680
<v Speaker 1>because she'd done such a good job with training folks.

0:15:02.680 --> 0:15:04.920
<v Speaker 1>But it didn't mean that we didn't need her. So

0:15:04.960 --> 0:15:07.960
<v Speaker 1>it was just nice all around to know that, because

0:15:08.120 --> 0:15:09.840
<v Speaker 1>this is the thing I always say, even for the

0:15:10.440 --> 0:15:12.640
<v Speaker 1>women that work for me, like our big thing is

0:15:13.000 --> 0:15:15.440
<v Speaker 1>no one should feel because we've all felt like this.

0:15:15.640 --> 0:15:18.160
<v Speaker 1>No one should feel like they're not able to get

0:15:18.200 --> 0:15:20.680
<v Speaker 1>sick or go on vacation or you know, like no

0:15:20.680 --> 0:15:22.760
<v Speaker 1>one on the team should feel that like that. You

0:15:22.840 --> 0:15:24.520
<v Speaker 1>have to like, if I don't do it, what's going

0:15:24.560 --> 0:15:28.920
<v Speaker 1>to happen? So everyone, it's mandated you have your backup folks,

0:15:29.120 --> 0:15:33.640
<v Speaker 1>including me, including my business partner. He just brought on

0:15:33.920 --> 0:15:37.800
<v Speaker 1>his brother, so we have two guys now, woo. He

0:15:37.960 --> 0:15:41.000
<v Speaker 1>just brought on his brother to be his backup. Because

0:15:41.120 --> 0:15:44.240
<v Speaker 1>it was like, no one should feel like, Okay, you

0:15:44.280 --> 0:15:47.280
<v Speaker 1>know that my presence, I don't care death or not.

0:15:47.400 --> 0:15:50.040
<v Speaker 1>I must be present. And I think that helps a

0:15:50.080 --> 0:15:52.520
<v Speaker 1>lot with allowing people to know that, like, well, your

0:15:52.600 --> 0:15:54.760
<v Speaker 1>job is secure, but you know you're able to be

0:15:54.800 --> 0:15:56.920
<v Speaker 1>a human being. But yeah, I'm glad you brought this

0:15:57.000 --> 0:15:58.640
<v Speaker 1>up though, cause I think a lot of people are listening, like,

0:16:00.040 --> 0:16:01.760
<v Speaker 1>I wish my job, and there are jobs out there

0:16:01.800 --> 0:16:04.280
<v Speaker 1>that have that. It's just they might not be super

0:16:04.280 --> 0:16:07.840
<v Speaker 1>easy to spot, but there are jobs that allow for that.

0:16:07.880 --> 0:16:09.920
<v Speaker 1>And that's something you're gonna want to ask. In my twenties,

0:16:10.080 --> 0:16:11.200
<v Speaker 1>I think any of your twenties, you know, for the

0:16:11.240 --> 0:16:12.840
<v Speaker 1>most part, I didn't really think about things like this.

0:16:12.960 --> 0:16:14.920
<v Speaker 1>It's not until I hit my thirties that I thought

0:16:14.920 --> 0:16:18.280
<v Speaker 1>about things like insurance and time, you know, time away

0:16:18.360 --> 0:16:29.320
<v Speaker 1>and that kind of stuff. Now that we've buzzed you

0:16:29.400 --> 0:16:32.600
<v Speaker 1>up with our buss worthy, are you ready to break

0:16:32.600 --> 0:16:33.080
<v Speaker 1>your boost?

0:16:33.080 --> 0:16:36.880
<v Speaker 3>I have a really exciting boost. Well exciting for me, okay,

0:16:37.160 --> 0:16:39.360
<v Speaker 3>go for it. Well it's not super exciting, it's just

0:16:39.400 --> 0:16:43.080
<v Speaker 3>exciting because I' Nigerian. I just want to say, super egos,

0:16:43.240 --> 0:16:44.000
<v Speaker 3>don't you worry.

0:16:44.040 --> 0:16:46.200
<v Speaker 1>So right now, the World Cup is going on, and

0:16:46.480 --> 0:16:48.280
<v Speaker 1>for those of you in the United States, you're like,

0:16:48.280 --> 0:16:50.360
<v Speaker 1>what's that because you know you don't watch soccer, but

0:16:50.400 --> 0:16:52.720
<v Speaker 1>the whole world watched soccer. Were literally like the only

0:16:52.800 --> 0:16:56.160
<v Speaker 1>country that's not super into soccer. And I'm not gonna lie,

0:16:56.200 --> 0:17:00.440
<v Speaker 1>I'm not super into soccer, but being Nigerian in this time,

0:17:00.440 --> 0:17:03.720
<v Speaker 1>of year when when Nigeria plays soccer is huge in

0:17:03.760 --> 0:17:09.600
<v Speaker 1>Africa and Central America and South America and everywhere. Honestly,

0:17:10.880 --> 0:17:14.119
<v Speaker 1>so Nigeria one like last week. Sometimes they lost today

0:17:14.359 --> 0:17:18.399
<v Speaker 1>to Argentino one to two. But I just want to

0:17:18.400 --> 0:17:21.160
<v Speaker 1>pick up the super egos because they first of all,

0:17:21.240 --> 0:17:23.000
<v Speaker 1>they got their uniforms. I don't know, have you seen

0:17:23.000 --> 0:17:28.720
<v Speaker 1>the pictures, Mandy of their new uniforms, like Nigeria's. Yes,

0:17:31.800 --> 0:17:34.320
<v Speaker 1>well it's only because it became this huge thing. So

0:17:34.359 --> 0:17:36.840
<v Speaker 1>they're thereby Nike. I can't remember the name of the designer,

0:17:36.880 --> 0:17:41.280
<v Speaker 1>but there are. They are so so like funky fresh

0:17:41.359 --> 0:17:43.639
<v Speaker 1>and like they sold out everywhere, and it was like

0:17:43.680 --> 0:17:46.320
<v Speaker 1>a huge story because it was like Nigeria revealed their

0:17:46.359 --> 0:17:48.680
<v Speaker 1>new uniforms and they sold out everywhere. People who weren't

0:17:48.680 --> 0:17:51.680
<v Speaker 1>even into soccer or didn't even you know, weren't wearing

0:17:51.720 --> 0:17:53.879
<v Speaker 1>them because they were Nigeria uniforms. They sold out because

0:17:53.920 --> 0:17:56.359
<v Speaker 1>that's just how how like cool they look. And so

0:17:56.480 --> 0:17:58.800
<v Speaker 1>it was just a huge story that the uniforms that

0:17:59.200 --> 0:18:01.679
<v Speaker 1>are just amazing, and they are and so if you

0:18:01.760 --> 0:18:04.480
<v Speaker 1>have some, it's not easy to get a hold of.

0:18:05.080 --> 0:18:07.680
<v Speaker 1>But so one for having the dopest uniform of all

0:18:07.720 --> 0:18:11.440
<v Speaker 1>the World Cup teams and for playing your heart out today, Argentina,

0:18:11.520 --> 0:18:15.159
<v Speaker 1>you played well. Obviously, Nigeria we did what is it Nigeria? No,

0:18:15.240 --> 0:18:17.840
<v Speaker 1>did carry last? That just means we never go last,

0:18:17.920 --> 0:18:21.479
<v Speaker 1>even when we lose. And so yeah, that's my boost.

0:18:21.480 --> 0:18:23.879
<v Speaker 1>This is my Nigerian team. I can remember being really

0:18:24.119 --> 0:18:25.920
<v Speaker 1>really little. I think we had made it to the finals.

0:18:25.960 --> 0:18:27.560
<v Speaker 1>Not really little, maybe I was like in middle school

0:18:27.640 --> 0:18:30.240
<v Speaker 1>or something, and I just remember like my dad making

0:18:30.320 --> 0:18:32.280
<v Speaker 1>us all wear like these T shirts he had made,

0:18:32.400 --> 0:18:35.320
<v Speaker 1>which is crazy, and he was sad.

0:18:35.440 --> 0:18:37.240
<v Speaker 2>Made your own T shirts, Oh my god, love it.

0:18:37.320 --> 0:18:39.439
<v Speaker 1>Yeah, no, he made t shirt that was selling them.

0:18:39.480 --> 0:18:40.920
<v Speaker 1>But we didn't win. So we ended up having like

0:18:40.960 --> 0:18:42.880
<v Speaker 1>eighty T shirts that I'm sure still in the attic

0:18:42.960 --> 0:18:48.200
<v Speaker 1>somewhere because he just knew if they won, those T

0:18:48.280 --> 0:18:50.600
<v Speaker 1>shirts would have been you know, would have sold. But

0:18:50.760 --> 0:18:53.879
<v Speaker 1>they didn't win. So here we are gambled.

0:18:53.920 --> 0:18:55.800
<v Speaker 2>He gambled, Yeah he did.

0:18:56.160 --> 0:18:58.880
<v Speaker 1>But yes, I just want to boost up Nigeria's World Cup.

0:19:00.040 --> 0:19:02.439
<v Speaker 1>Nigeria is national soccer team. You know, you guys have

0:19:02.520 --> 0:19:04.679
<v Speaker 1>played well. I don't know if they play again, but

0:19:04.920 --> 0:19:08.040
<v Speaker 1>you know, hopefully they will and Yeah, that's it. That's

0:19:08.080 --> 0:19:09.800
<v Speaker 1>my little booth for today.

0:19:10.440 --> 0:19:13.880
<v Speaker 2>Well booth, that's a good one. I kind of am

0:19:13.920 --> 0:19:16.239
<v Speaker 2>on team Argentina, so it's sad that they beat you,

0:19:16.320 --> 0:19:22.520
<v Speaker 2>but yay Argentina. It's okay only because I I basically

0:19:22.600 --> 0:19:24.879
<v Speaker 2>just am on the team of whoever, like whatever country

0:19:24.880 --> 0:19:26.800
<v Speaker 2>I've been to that I like the most, and I

0:19:26.920 --> 0:19:29.639
<v Speaker 2>Argentina was the first country where I ever like watched soccer,

0:19:29.760 --> 0:19:32.120
<v Speaker 2>so I have a little little soft spot for them.

0:19:32.600 --> 0:19:35.120
<v Speaker 2>But uh, that's cool. I'm sure their uniforms are way

0:19:35.160 --> 0:19:36.480
<v Speaker 2>uglier than Nigeria.

0:19:36.200 --> 0:19:38.600
<v Speaker 1>So this is true. Do we have any good questions?

0:19:38.840 --> 0:19:40.680
<v Speaker 2>We do have some questions. If you guys want to

0:19:40.720 --> 0:19:43.200
<v Speaker 2>send us some questions, you can head to Brown Ambition

0:19:43.320 --> 0:19:48.560
<v Speaker 2>Podcast dot com. Got it this week? You can send

0:19:48.640 --> 0:19:51.200
<v Speaker 2>us an email directly at brann or sorry not at

0:19:51.440 --> 0:19:54.680
<v Speaker 2>send us an email directly at Brown Ambition Podcast at

0:19:54.720 --> 0:19:56.080
<v Speaker 2>gmail dot com.

0:19:56.400 --> 0:19:58.840
<v Speaker 1>You just did it again at how do I do well?

0:19:58.840 --> 0:20:00.679
<v Speaker 2>I had to say that time that at meant like

0:20:00.720 --> 0:20:03.960
<v Speaker 2>at at not like you know, like it was a

0:20:04.040 --> 0:20:07.280
<v Speaker 2>necessary at necessary preposition? Is that a proposition?

0:20:07.359 --> 0:20:09.440
<v Speaker 1>All right? Whatever? Good question?

0:20:09.440 --> 0:20:11.720
<v Speaker 2>We have a couple of good questions. One comes from

0:20:11.880 --> 0:20:15.480
<v Speaker 2>listener Kamiko. What a pretty pretty name. She says, Oh,

0:20:15.520 --> 0:20:17.800
<v Speaker 2>this is really funny. She says, I am two seconds.

0:20:17.880 --> 0:20:19.439
<v Speaker 2>I guess we missed her. Then she said, I am

0:20:19.480 --> 0:20:22.480
<v Speaker 2>two seconds away from taking out a personal loan with Sofi.

0:20:23.000 --> 0:20:25.320
<v Speaker 2>I went to Magnify Money, Oh hi, thank you, and

0:20:25.520 --> 0:20:28.080
<v Speaker 2>used the personal loan comparison chart, and then went a

0:20:28.119 --> 0:20:30.960
<v Speaker 2>step further to do some comparisons based on the answers

0:20:30.960 --> 0:20:34.200
<v Speaker 2>to my questions. So we have a personal loan comparison

0:20:34.280 --> 0:20:36.720
<v Speaker 2>chart where you can put in basically how much debt

0:20:36.800 --> 0:20:39.520
<v Speaker 2>you have, and then what type of loan you could

0:20:39.520 --> 0:20:41.439
<v Speaker 2>take out and how much you would save if you

0:20:41.480 --> 0:20:44.240
<v Speaker 2>consolidated your debt with a new loan. So she used

0:20:44.240 --> 0:20:48.200
<v Speaker 2>this calculator cool. So her math said that she can

0:20:48.240 --> 0:20:51.159
<v Speaker 2>take out a twenty thousand dollars loan, and this is

0:20:51.160 --> 0:20:53.719
<v Speaker 2>a Sofi loan. Twenty thousand dollars was Sofi at eight

0:20:53.800 --> 0:20:57.800
<v Speaker 2>point seventy five percent APR for three years, leaving her

0:20:57.840 --> 0:21:01.600
<v Speaker 2>there just one monthly payment of about six hundred dollars.

0:21:01.720 --> 0:21:04.080
<v Speaker 2>Her plan is to use that twenty thousand dollars loan

0:21:04.440 --> 0:21:07.800
<v Speaker 2>to pay off several debts, including a couple of credit cards,

0:21:07.960 --> 0:21:12.240
<v Speaker 2>her auto loan and a personal loan on a monthly basis,

0:21:12.240 --> 0:21:14.439
<v Speaker 2>this would save for four hundred dollars and over the

0:21:14.480 --> 0:21:20.320
<v Speaker 2>course of three years she would save over fourteen thousand dollars. Yes,

0:21:20.760 --> 0:21:24.400
<v Speaker 2>but she says she is hesitating. She says, why am

0:21:24.400 --> 0:21:25.119
<v Speaker 2>I hesitating?

0:21:25.200 --> 0:21:25.800
<v Speaker 1>I don't know.

0:21:25.720 --> 0:21:28.800
<v Speaker 2>What the issue is. So I thought this was interesting

0:21:28.840 --> 0:21:32.240
<v Speaker 2>because it just shows like even when the math is

0:21:32.320 --> 0:21:34.639
<v Speaker 2>showing you that the answer is right, and again, like,

0:21:35.040 --> 0:21:37.160
<v Speaker 2>at the end of the day, this is your decision.

0:21:37.200 --> 0:21:38.879
<v Speaker 2>You have to make a decision that's best for you.

0:21:39.400 --> 0:21:45.280
<v Speaker 2>But when the math speaks facts, one must listen. I

0:21:45.320 --> 0:21:47.800
<v Speaker 2>think on paper, based on what you've told me, Yes,

0:21:47.840 --> 0:21:51.760
<v Speaker 2>it absolutely would make sense for you to consolidate those

0:21:51.800 --> 0:21:53.760
<v Speaker 2>three types of debt she has. She says she wants

0:21:53.840 --> 0:21:57.920
<v Speaker 2>to consolidate credit cards, a car note, and another personal loan.

0:21:58.680 --> 0:22:02.119
<v Speaker 2>I mean, so long as those rates on those debts

0:22:02.119 --> 0:22:05.400
<v Speaker 2>are higher than the eight point seventy five percent APR

0:22:05.560 --> 0:22:09.080
<v Speaker 2>on this personal loan with so fi, I can't think

0:22:09.119 --> 0:22:10.119
<v Speaker 2>of a reason why not to.

0:22:11.280 --> 0:22:14.679
<v Speaker 1>Yes, And I mean I get it because sometimes I

0:22:14.720 --> 0:22:18.080
<v Speaker 1>get like that too, when like I, you know, you

0:22:18.080 --> 0:22:20.880
<v Speaker 1>you're struggling for so long, and you find a solution

0:22:21.160 --> 0:22:24.880
<v Speaker 1>that's like so amazing, and you're like, wait, so there's

0:22:25.000 --> 0:22:29.400
<v Speaker 1>like this hesitation and it kind of paralyzes you even

0:22:29.440 --> 0:22:31.359
<v Speaker 1>though you know in your head, okay, this makes sense.

0:22:31.640 --> 0:22:35.159
<v Speaker 1>So that's okay to feel like that. But girl, I

0:22:35.240 --> 0:22:38.800
<v Speaker 1>want you to think before maybe this will help. Before

0:22:38.920 --> 0:22:41.119
<v Speaker 1>I come into any sort of like money or like

0:22:41.200 --> 0:22:44.480
<v Speaker 1>savings or anything, I like to create the new budget

0:22:44.840 --> 0:22:47.280
<v Speaker 1>before the money comes, so like, I'll go back to

0:22:47.320 --> 0:22:49.520
<v Speaker 1>my budgets. I always keep it in like an Excel spreadsheet,

0:22:49.560 --> 0:22:51.280
<v Speaker 1>so that way it's easy to fix. I go back

0:22:51.520 --> 0:22:54.120
<v Speaker 1>into my budget and I do the new numbers. So

0:22:54.160 --> 0:22:57.040
<v Speaker 1>that way, by the time that I'm able to like

0:22:57.080 --> 0:22:59.879
<v Speaker 1>that that new four hundred, it's not reabsorbed back in

0:23:00.160 --> 0:23:02.840
<v Speaker 1>everyday life. It's already been allocated. Because I'm working on this.

0:23:03.080 --> 0:23:05.720
<v Speaker 1>I'm working from this new budget that I created. So

0:23:05.760 --> 0:23:08.439
<v Speaker 1>maybe do that so that way you're like, okay with

0:23:08.440 --> 0:23:11.360
<v Speaker 1>this four hundred, maybe two hundred will go to savings

0:23:11.400 --> 0:23:13.000
<v Speaker 1>and whatever it else you're gonna do with it, but

0:23:13.400 --> 0:23:16.280
<v Speaker 1>allocate that money out so it's not it's so easy

0:23:16.280 --> 0:23:18.280
<v Speaker 1>for money to be reabsorbed back into your day to

0:23:18.359 --> 0:23:20.879
<v Speaker 1>day life. So just create a new budget, allocate that

0:23:20.920 --> 0:23:24.560
<v Speaker 1>four hundred dollars a month out into specific places. Automate

0:23:24.600 --> 0:23:28.159
<v Speaker 1>those allocations, and girl, get your coin and.

0:23:28.240 --> 0:23:31.280
<v Speaker 2>Three years you're gonna have fourteen thousand dollars saved. Yeah,

0:23:31.320 --> 0:23:33.280
<v Speaker 2>like that is real money we're talking. Maybe you know

0:23:33.320 --> 0:23:34.920
<v Speaker 2>what I think it might be too. It's like when

0:23:34.960 --> 0:23:36.439
<v Speaker 2>you have a little bit of debt here and a

0:23:36.440 --> 0:23:38.040
<v Speaker 2>little bit of debt there, and a little bit you know,

0:23:38.080 --> 0:23:40.440
<v Speaker 2>on different credit cards or loans or whatnot, it doesn't

0:23:40.480 --> 0:23:43.000
<v Speaker 2>feel like that much. And maybe what's freaking her out

0:23:43.119 --> 0:23:45.359
<v Speaker 2>is a twenty thousand dollars loan, Like if that's how

0:23:45.400 --> 0:23:48.479
<v Speaker 2>much her combined debts are, okay, And maybe it's like

0:23:48.520 --> 0:23:51.280
<v Speaker 2>this whole this one new loan with twenty thousand dollars.

0:23:52.240 --> 0:23:54.440
<v Speaker 2>Maybe it's what is making a little bit more real

0:23:54.440 --> 0:23:56.400
<v Speaker 2>for her, But it doesn't mean doesn't change the fact

0:23:56.440 --> 0:23:58.600
<v Speaker 2>that you already have that much debt. It's just that

0:23:58.640 --> 0:24:01.480
<v Speaker 2>it's spread across different and there's maybe some kind of

0:24:01.480 --> 0:24:05.960
<v Speaker 2>like psychological reason why it feels like more. But I'm

0:24:06.320 --> 0:24:09.880
<v Speaker 2>that Sofi wise, I mean, check out I can. I'll

0:24:09.920 --> 0:24:12.640
<v Speaker 2>send you a link. But Magnified Money has a thorough

0:24:12.680 --> 0:24:18.320
<v Speaker 2>review on Sofi's products. They started out big in student

0:24:18.359 --> 0:24:20.840
<v Speaker 2>loan refinancing, and now they've gotten into all kinds of

0:24:20.880 --> 0:24:25.119
<v Speaker 2>different products. They do mortgages now like personal loans. I

0:24:25.480 --> 0:24:27.639
<v Speaker 2>haven't heard anything to tell me that Sofi is not

0:24:27.720 --> 0:24:31.600
<v Speaker 2>a good lender. I also know that they have They have,

0:24:31.920 --> 0:24:38.000
<v Speaker 2>which is uncommon for private lenders, some protections like if

0:24:38.040 --> 0:24:42.000
<v Speaker 2>you lose your job or you run into financial issues,

0:24:42.160 --> 0:24:44.480
<v Speaker 2>they will tend to work with you. I think they

0:24:44.520 --> 0:24:48.640
<v Speaker 2>even match barrowers too. They'll try and help you find

0:24:48.680 --> 0:24:50.479
<v Speaker 2>a new job if you lose your job. They have

0:24:50.560 --> 0:24:55.480
<v Speaker 2>some sort of like career uh plate not placement, I forget.

0:24:55.480 --> 0:24:58.440
<v Speaker 2>I don't want to miss, you know, misrepresent what they offer,

0:24:58.480 --> 0:25:00.679
<v Speaker 2>but some sort of career service. If you lose your

0:25:00.760 --> 0:25:03.000
<v Speaker 2>job or if you fall in hard times, you can

0:25:03.040 --> 0:25:04.639
<v Speaker 2>work with them. So they're willing to work with you

0:25:04.800 --> 0:25:08.640
<v Speaker 2>versus traditional private lenders. He'd be like, and where's my check?

0:25:10.480 --> 0:25:13.399
<v Speaker 1>Yeah? I mean, honestly, yeah, I think I First of all,

0:25:13.400 --> 0:25:15.359
<v Speaker 1>I never heard that that's awesome that so far does that,

0:25:15.400 --> 0:25:19.000
<v Speaker 1>because most places don't. And so yeah, honestly me too.

0:25:19.000 --> 0:25:21.960
<v Speaker 1>I haven't really heard anything negative about so Fine, So

0:25:23.520 --> 0:25:27.280
<v Speaker 1>that's honestly awesome. You don't, it's rare that in finances

0:25:27.359 --> 0:25:30.399
<v Speaker 1>that you get like a big win like that, It

0:25:30.520 --> 0:25:32.680
<v Speaker 1>just doesn't happen. Usually you're like yay, and I say

0:25:32.760 --> 0:25:34.879
<v Speaker 1>two dollars a month that you're like okay, you know,

0:25:35.680 --> 0:25:37.199
<v Speaker 1>so what you can get a big win like that?

0:25:37.400 --> 0:25:39.520
<v Speaker 1>Definitely lean in, be grateful and take advantage.

0:25:39.840 --> 0:25:41.879
<v Speaker 2>Yeah, I felt I loved your tip too of actually

0:25:41.920 --> 0:25:44.840
<v Speaker 2>saving that four hundred dollars versus just letting it get

0:25:44.880 --> 0:25:46.679
<v Speaker 2>reabsorbent to your budget. That's really smart.

0:25:47.000 --> 0:25:48.560
<v Speaker 1>Yeah, well, thank.

0:25:48.440 --> 0:25:50.600
<v Speaker 2>You, miss Kimiko. Let us know what you decided. I

0:25:50.600 --> 0:25:53.199
<v Speaker 2>know we missed you. We only had two seconds a

0:25:53.200 --> 0:25:57.639
<v Speaker 2>few hours ago. We missed you. But hopefully, hopefully you

0:25:57.800 --> 0:25:59.520
<v Speaker 2>made a decision that you're happy with and you're on

0:25:59.560 --> 0:26:04.760
<v Speaker 2>your way to freedom. Yes, all right, next question. I

0:26:04.800 --> 0:26:11.680
<v Speaker 2>believe this is an anonymous question, so mysterious. Okay, some mysterious.

0:26:11.720 --> 0:26:13.720
<v Speaker 2>This is actually this is an anonymous I love the

0:26:14.240 --> 0:26:17.000
<v Speaker 2>da I always want to know how people choose their pseudonyms.

0:26:17.000 --> 0:26:20.720
<v Speaker 2>So this is from Janet, quote unquote. Janet says, I'm

0:26:20.720 --> 0:26:23.679
<v Speaker 2>interested in knowing what your thoughts are on the idea

0:26:23.680 --> 0:26:26.960
<v Speaker 2>of a parent or another adult establishing credit for a child.

0:26:27.320 --> 0:26:30.080
<v Speaker 2>Is this necessary? And how young is too young to

0:26:30.119 --> 0:26:32.480
<v Speaker 2>make a child an authorized user on a credit card.

0:26:32.720 --> 0:26:35.080
<v Speaker 2>Did either of your parents start your credit history for

0:26:35.160 --> 0:26:37.040
<v Speaker 2>you before you were able to start it on your own.

0:26:37.480 --> 0:26:39.639
<v Speaker 2>What do you feel are the benefits or cons to

0:26:39.760 --> 0:26:43.920
<v Speaker 2>starting to build a credit history for a young preteen child.

0:26:46.600 --> 0:26:48.760
<v Speaker 1>I don't know that you need to be a preteen

0:26:48.920 --> 0:26:50.400
<v Speaker 1>child to start credit.

0:26:50.720 --> 0:26:52.920
<v Speaker 2>I felt that you can be an authorized user as

0:26:52.920 --> 0:26:53.480
<v Speaker 2>a preteen.

0:26:53.920 --> 0:26:56.480
<v Speaker 1>I don't think. I think. I want to say that

0:26:57.119 --> 0:26:59.399
<v Speaker 1>you can kind of start some sort of financial history

0:26:59.440 --> 0:27:01.959
<v Speaker 1>as young as sixteen. I think because I remember that's

0:27:01.960 --> 0:27:06.800
<v Speaker 1>when I got my joint like savings account with my dad.

0:27:07.440 --> 0:27:10.400
<v Speaker 1>And I'm almost positive that because back then you can

0:27:10.480 --> 0:27:12.480
<v Speaker 1>literally put like, you know, the cable on the baby's name,

0:27:12.520 --> 0:27:14.639
<v Speaker 1>and you can't do that anymore. You can't do that

0:27:14.680 --> 0:27:18.960
<v Speaker 1>anymore so and it's honestly not necessary. So my dad

0:27:19.800 --> 0:27:24.239
<v Speaker 1>helped me to start my my credit journey when I

0:27:24.359 --> 0:27:28.080
<v Speaker 1>was seventeen. I was going away to college, and he

0:27:28.160 --> 0:27:29.560
<v Speaker 1>was like, you know, go ahead and get you a

0:27:29.560 --> 0:27:30.919
<v Speaker 1>credit card. And I think he had put me on

0:27:30.960 --> 0:27:32.960
<v Speaker 1>as an authorized user on one of his cards, and

0:27:33.000 --> 0:27:34.840
<v Speaker 1>he like schooled me on what kind of credit card

0:27:34.920 --> 0:27:38.600
<v Speaker 1>to get no annual fee, you know, look for like

0:27:38.720 --> 0:27:40.800
<v Speaker 1>zero percent percentage rate. I could put my books on

0:27:40.800 --> 0:27:42.399
<v Speaker 1>it and he would pay it off every month. I

0:27:42.440 --> 0:27:45.080
<v Speaker 1>don't think you need to start sooner than like sixteen seventeen,

0:27:45.720 --> 0:27:47.520
<v Speaker 1>because like what is your what is your kid buying?

0:27:47.600 --> 0:27:50.320
<v Speaker 1>You know, because the purpose of credit, like I say,

0:27:50.400 --> 0:27:52.080
<v Speaker 1>like they're really young and they're really old, don't need

0:27:52.119 --> 0:27:55.119
<v Speaker 1>credit unless you are on credit. The purpose of credit

0:27:55.200 --> 0:27:57.359
<v Speaker 1>is to leverage so you can purchase things that you

0:27:57.400 --> 0:27:59.960
<v Speaker 1>might not you might not be able to purchase in care.

0:28:00.960 --> 0:28:02.880
<v Speaker 1>So if you're eighty and you're not trying to buy

0:28:02.920 --> 0:28:05.640
<v Speaker 1>a car or home, like, well, you know, your credit

0:28:05.680 --> 0:28:08.359
<v Speaker 1>score is not that important necessarily because you're not also

0:28:08.359 --> 0:28:12.160
<v Speaker 1>getting it, you're not getting a new job. And if

0:28:12.200 --> 0:28:14.439
<v Speaker 1>you're like ten, I mean, your credit score is not

0:28:14.440 --> 0:28:17.159
<v Speaker 1>that important. So I would say around sixteen seventeen if

0:28:17.200 --> 0:28:21.199
<v Speaker 1>you're going to start to establish credit early, but preteen, no,

0:28:21.640 --> 0:28:24.560
<v Speaker 1>Like Supergirl is eleven and I'm not thinking about her

0:28:24.560 --> 0:28:27.680
<v Speaker 1>credit score until she gets to be like out of

0:28:27.800 --> 0:28:30.119
<v Speaker 1>high school and then we'll start to make adjustments.

0:28:30.760 --> 0:28:35.720
<v Speaker 2>Good call, Time for one more question? Sure, another question

0:28:35.760 --> 0:28:38.880
<v Speaker 2>from an anonymous listener. She says, Hey, ladies, I have

0:28:38.880 --> 0:28:41.959
<v Speaker 2>a quick question about credit cards with annual fees. I

0:28:42.000 --> 0:28:44.880
<v Speaker 2>currently have two credit cards with cash back rewards and

0:28:44.960 --> 0:28:48.560
<v Speaker 2>want to open a third credit card specifically for travel rewards.

0:28:48.800 --> 0:28:51.520
<v Speaker 2>Thanks to your previous podcasts, I have been able to

0:28:51.560 --> 0:28:54.720
<v Speaker 2>reduce my credit utilization by a drastic number by taking

0:28:54.760 --> 0:28:57.360
<v Speaker 2>out a personal loan and paying off all my balances

0:28:57.360 --> 0:29:00.520
<v Speaker 2>in full. I've been comparing offers for a new card,

0:29:00.600 --> 0:29:02.840
<v Speaker 2>and of course, credit cards with the best rewards come

0:29:02.880 --> 0:29:07.040
<v Speaker 2>with an annual fee. While I want to maximize my rewards,

0:29:07.120 --> 0:29:09.080
<v Speaker 2>I don't like the idea of having to pay for

0:29:09.120 --> 0:29:11.400
<v Speaker 2>a credit card. What are your thoughts on getting a

0:29:11.400 --> 0:29:14.000
<v Speaker 2>credit card with an annual fee or just sticking with

0:29:14.040 --> 0:29:18.680
<v Speaker 2>a free credit card with slightly lower rewards, Anonymous, let's

0:29:18.680 --> 0:29:21.560
<v Speaker 2>say you. I'm going to reread this part, which is

0:29:21.560 --> 0:29:25.800
<v Speaker 2>what caught my eye. I have been extremely or sorry.

0:29:26.560 --> 0:29:29.560
<v Speaker 2>I currently have two credit cards with cash back rewards

0:29:29.600 --> 0:29:32.120
<v Speaker 2>and one to open a third credit card specifically for

0:29:32.200 --> 0:29:36.200
<v Speaker 2>travel rewards. Then, she says she recently was able to

0:29:36.240 --> 0:29:39.440
<v Speaker 2>reduce her utilization on her credit cards by taking out

0:29:39.440 --> 0:29:41.880
<v Speaker 2>a personal loan and paying off her balances in full.

0:29:42.480 --> 0:29:45.760
<v Speaker 2>We're that personal loan at though, like she doesn't say

0:29:45.800 --> 0:29:48.120
<v Speaker 2>if she paid it off or not? OK, And so

0:29:48.280 --> 0:29:52.200
<v Speaker 2>my question was going to be, I would recommend paying

0:29:52.200 --> 0:29:55.320
<v Speaker 2>off the personal loan because you say you paid your

0:29:55.360 --> 0:29:57.480
<v Speaker 2>balance in full on your credit cards, and it may

0:29:57.640 --> 0:29:59.840
<v Speaker 2>it does. Yes, you did that, they're paid in full.

0:30:00.080 --> 0:30:03.120
<v Speaker 2>You still have a new loan, and as long as

0:30:03.120 --> 0:30:05.720
<v Speaker 2>you have that loan out there, I would I would say,

0:30:05.760 --> 0:30:07.680
<v Speaker 2>before you take out a new credit card and start

0:30:08.000 --> 0:30:11.280
<v Speaker 2>worrying about wrecking up rewards, to pay out that credit card,

0:30:11.400 --> 0:30:13.760
<v Speaker 2>pay off that personal loan first, agreed?

0:30:13.880 --> 0:30:17.080
<v Speaker 1>And also two if you so the other two credit

0:30:17.080 --> 0:30:20.200
<v Speaker 1>cards also have annual fees.

0:30:20.800 --> 0:30:23.960
<v Speaker 2>Sounds like they're fee free. She has two fief There

0:30:24.000 --> 0:30:26.520
<v Speaker 2>are fee free cash back rewards cards out there. They

0:30:26.560 --> 0:30:29.600
<v Speaker 2>typically have a lower flat rate cash back, but she

0:30:29.680 --> 0:30:32.600
<v Speaker 2>wants one of these, like, you know, like the Nice

0:30:33.120 --> 0:30:33.960
<v Speaker 2>Chase Apphire.

0:30:35.960 --> 0:30:38.480
<v Speaker 1>Well I'll say this like because honest, that's the first

0:30:38.520 --> 0:30:40.959
<v Speaker 1>credit card I ever had that had a fee, but

0:30:41.080 --> 0:30:42.600
<v Speaker 1>it was worth it to me. So you know, it's

0:30:42.640 --> 0:30:45.760
<v Speaker 1>all about the numbers because I use that card for

0:30:45.840 --> 0:30:49.800
<v Speaker 1>all of my travel. So one, you know, I make

0:30:49.840 --> 0:30:52.840
<v Speaker 1>that money back. So that's the question is if you're

0:30:52.880 --> 0:30:55.560
<v Speaker 1>paying a fee, are you going to make that money back?

0:30:55.560 --> 0:30:58.239
<v Speaker 1>In the reward. So just today, for example, I have

0:30:58.400 --> 0:31:01.400
<v Speaker 1>like two hundred thousand points because I use that card

0:31:01.440 --> 0:31:03.720
<v Speaker 1>so often for travel and all of these things, like

0:31:03.840 --> 0:31:06.000
<v Speaker 1>a bunch of travel stuff for my business. So if

0:31:06.040 --> 0:31:08.400
<v Speaker 1>anybody on my team needs to travel whatever, that's the

0:31:08.440 --> 0:31:11.440
<v Speaker 1>card that we use. And so two hundred thousand points,

0:31:11.800 --> 0:31:13.600
<v Speaker 1>my sister who really wants to come with me to

0:31:14.920 --> 0:31:17.320
<v Speaker 1>Essence Fest, I was able to get and flights are

0:31:17.400 --> 0:31:19.400
<v Speaker 1>ridiculous right now because she went into the last minute

0:31:19.440 --> 0:31:22.240
<v Speaker 1>to decide, and so we were able to get her

0:31:22.280 --> 0:31:24.800
<v Speaker 1>a round trip flight with the points. I think it

0:31:24.840 --> 0:31:27.520
<v Speaker 1>cost me like seventy thousand points, which I'm like, not happy,

0:31:27.640 --> 0:31:30.200
<v Speaker 1>what your sister, I do? I know? And I was

0:31:30.240 --> 0:31:32.680
<v Speaker 1>just like, you know, because normally it probably would have

0:31:32.720 --> 0:31:36.320
<v Speaker 1>been around honestly thirty thousand points. But it's because because

0:31:36.320 --> 0:31:38.600
<v Speaker 1>New Orleans is not that far from Jersey, but because

0:31:38.920 --> 0:31:41.360
<v Speaker 1>it's essence Fest time, you know, they hid the rates up.

0:31:41.560 --> 0:31:43.920
<v Speaker 1>But I share all that to say that the amount

0:31:44.120 --> 0:31:46.160
<v Speaker 1>I think maybe a round trip flight right now is

0:31:46.160 --> 0:31:48.960
<v Speaker 1>maybe like fourteen or fifteen hundred dollars. So I was

0:31:49.040 --> 0:31:52.680
<v Speaker 1>able to not have to pay that fourteen one hundred

0:31:52.760 --> 0:31:55.600
<v Speaker 1>dollars because I had points that I'd earned, so I

0:31:55.600 --> 0:31:58.320
<v Speaker 1>can't remember, Mandie, how much is our annual fee for?

0:31:58.560 --> 0:32:02.000
<v Speaker 2>So there's two versions. So I let's make this broader

0:32:02.040 --> 0:32:04.720
<v Speaker 2>than just a Chase card because so these luxury travel cards,

0:32:04.800 --> 0:32:07.520
<v Speaker 2>the top luxury ones, they typically have fees of four

0:32:07.600 --> 0:32:10.440
<v Speaker 2>hundred and fifty dollars, which is what the Chase Reserve has,

0:32:10.720 --> 0:32:12.440
<v Speaker 2>but they can be upwards of like five hundred and

0:32:12.440 --> 0:32:17.400
<v Speaker 2>fifty dollars on some cards. The lower tier Chase Sapphire

0:32:17.440 --> 0:32:20.320
<v Speaker 2>Preferred has a ninety five dollars annual fee, which is

0:32:20.320 --> 0:32:22.800
<v Speaker 2>the way. I think that's fine about Chase card.

0:32:23.120 --> 0:32:25.240
<v Speaker 1>Yeah, I think that might be the one I have

0:32:25.280 --> 0:32:26.800
<v Speaker 1>because I'm like fifty. I don't know if I paid

0:32:26.840 --> 0:32:29.440
<v Speaker 1>for fifty, but but you see, the math works out.

0:32:29.720 --> 0:32:31.960
<v Speaker 1>I get, you know, I use enough points to get

0:32:32.200 --> 0:32:35.520
<v Speaker 1>a few thousand dollars in free perks that are usable perks,

0:32:35.800 --> 0:32:38.000
<v Speaker 1>so it's worth that that payoff. So you just have

0:32:38.080 --> 0:32:40.560
<v Speaker 1>to ask yourself, like, you know, does it make sense,

0:32:42.040 --> 0:32:44.200
<v Speaker 1>like are you going to use a card enough to

0:32:44.840 --> 0:32:47.640
<v Speaker 1>outweigh what you're paying for it? And if not, then

0:32:47.680 --> 0:32:49.200
<v Speaker 1>it doesn't make sense. You might as well just get

0:32:49.200 --> 0:32:50.720
<v Speaker 1>a you know, travel card where it's not going to

0:32:50.800 --> 0:32:54.800
<v Speaker 1>charge you to you know, to to have it. Yeah,

0:32:54.840 --> 0:32:56.080
<v Speaker 1>So to me, it's all about the math.

0:32:56.720 --> 0:32:59.520
<v Speaker 2>Do the math and pick a card that fits your lifestyle.

0:32:59.520 --> 0:33:01.320
<v Speaker 2>Like if you really looking for a travel card because

0:33:01.320 --> 0:33:03.600
<v Speaker 2>you travel, but be honest, like how much do you travel?

0:33:03.680 --> 0:33:05.520
<v Speaker 2>And do an estimate of how much travel you have

0:33:05.560 --> 0:33:08.240
<v Speaker 2>coming up? And some cards give you like the Chase

0:33:08.280 --> 0:33:10.280
<v Speaker 2>card and other some other cards that Uber has a

0:33:10.320 --> 0:33:12.400
<v Speaker 2>new credit card, they give you points don just on travel,

0:33:12.440 --> 0:33:15.560
<v Speaker 2>but also dining out entertainment, so they're really like trying

0:33:15.560 --> 0:33:17.800
<v Speaker 2>to match lifestyles. So pick the card that fits your

0:33:17.840 --> 0:33:18.640
<v Speaker 2>lifestyle best.

0:33:18.720 --> 0:33:19.440
<v Speaker 1>But at the end of the.

0:33:19.520 --> 0:33:22.600
<v Speaker 2>Day, don't take out a card just because or don't

0:33:22.680 --> 0:33:25.040
<v Speaker 2>rack up stuff because you'll get addicted to the idea

0:33:25.080 --> 0:33:27.440
<v Speaker 2>of earning points. Because if you can't pay your card

0:33:27.440 --> 0:33:29.320
<v Speaker 2>off at the end of the month, like I guarantee you,

0:33:29.360 --> 0:33:32.080
<v Speaker 2>it's never going to be worth it. If you're carrying

0:33:32.120 --> 0:33:33.040
<v Speaker 2>a balance.

0:33:33.080 --> 0:33:34.920
<v Speaker 1>That's a good one. Oh look at that, that's a

0:33:34.960 --> 0:33:35.480
<v Speaker 1>good one.

0:33:35.840 --> 0:33:36.240
<v Speaker 2>Yeah.

0:33:36.280 --> 0:33:37.920
<v Speaker 1>Sorry, that was me in church, Like.

0:33:37.920 --> 0:33:42.240
<v Speaker 2>Yeah, yeah, I was like, oh something smart, okay.

0:33:43.720 --> 0:33:45.040
<v Speaker 1>You know, I don't think about that, Like, you're right,

0:33:45.040 --> 0:33:47.200
<v Speaker 1>if you're not paying it off every month, And in full.

0:33:47.280 --> 0:33:49.600
<v Speaker 1>Then it's like ooh, child, like you just paying on

0:33:49.640 --> 0:33:51.120
<v Speaker 1>paying on pains, so that's a good one.

0:33:51.840 --> 0:33:54.320
<v Speaker 2>Are hitting you with a fee up front, and then

0:33:54.360 --> 0:33:56.160
<v Speaker 2>they're going to be charging you interest on top of that.

0:33:56.200 --> 0:33:59.280
<v Speaker 2>Like these cards still have high interest rates even if

0:33:59.280 --> 0:34:01.240
<v Speaker 2>you have great credit like mine I think has a

0:34:01.280 --> 0:34:03.320
<v Speaker 2>seventeen percent interest rate. So if I ever let that

0:34:03.400 --> 0:34:07.560
<v Speaker 2>slip automatically, like, it won't be worth whatever I've you know,

0:34:07.680 --> 0:34:09.760
<v Speaker 2>gotten in terms of points and such. So be honest.

0:34:09.800 --> 0:34:11.840
<v Speaker 2>And if you have a history of racking up credit

0:34:11.840 --> 0:34:14.080
<v Speaker 2>card debt, you know you needed a personal loan before.

0:34:14.920 --> 0:34:18.880
<v Speaker 2>Just just recognize your weaknesses. Like I know myself and

0:34:18.920 --> 0:34:20.840
<v Speaker 2>I know that I need to have a conversation and

0:34:20.920 --> 0:34:23.280
<v Speaker 2>create my own mental credit limit that I can afford

0:34:23.280 --> 0:34:26.520
<v Speaker 2>to pay off each month, because I too, back in

0:34:26.560 --> 0:34:29.600
<v Speaker 2>the day, would get obsessed about just getting points points

0:34:29.640 --> 0:34:31.840
<v Speaker 2>points and whipping out that card anytime I had a

0:34:31.880 --> 0:34:35.120
<v Speaker 2>reason to and not paying attention to like how much

0:34:35.160 --> 0:34:40.720
<v Speaker 2>I was actually racking up. Okay, thank you for your question, ma'am.

0:34:40.760 --> 0:34:42.839
<v Speaker 2>Those are good questions. Again, you guys can hit us

0:34:42.880 --> 0:34:45.520
<v Speaker 2>up at Brianambis Podcast at gmail dot com with your

0:34:45.560 --> 0:34:48.880
<v Speaker 2>questions or go to our website, Briannambisson podcast dot.

0:34:48.680 --> 0:34:52.680
<v Speaker 1>Com dot com. Yeah, those are great questions. And if

0:34:52.719 --> 0:34:54.440
<v Speaker 1>you're going to be at Essence Fest, I hope to

0:34:54.440 --> 0:34:57.000
<v Speaker 1>see you. That's coming up?

0:34:57.160 --> 0:34:58.080
<v Speaker 2>Is that like next week?

0:34:58.160 --> 0:34:58.640
<v Speaker 1>When is that?

0:34:59.239 --> 0:34:59.479
<v Speaker 3>Uh?

0:34:59.560 --> 0:35:01.919
<v Speaker 1>That is is not this weekend but weekend after next.

0:35:01.960 --> 0:35:03.840
<v Speaker 1>But you know, it's never too early to prep for

0:35:03.960 --> 0:35:07.920
<v Speaker 1>Essence Fest. It's just a good time of beautiful brownness.

0:35:07.960 --> 0:35:10.800
<v Speaker 1>Like it's truly Essence Fest is like Brown Ambition person fide.

0:35:11.960 --> 0:35:14.600
<v Speaker 1>It's almost a half a million women that came last year.

0:35:14.600 --> 0:35:16.839
<v Speaker 1>I think four hundred and seventy thousand came last year.

0:35:17.840 --> 0:35:20.960
<v Speaker 1>It's an awesome music festival. But it's just also like

0:35:21.040 --> 0:35:24.719
<v Speaker 1>I mean, it's Nola. The food alone. Whoop the food alone,

0:35:25.080 --> 0:35:27.439
<v Speaker 1>just like just because it's Nola, not because it's Essence Fest.

0:35:27.560 --> 0:35:29.720
<v Speaker 2>It's always in New Orleans, right yeah.

0:35:29.640 --> 0:35:32.799
<v Speaker 1>Always mm hm. And yeah, it's gonna be a good

0:35:32.800 --> 0:35:34.480
<v Speaker 1>time and so hopefully I'll see some of you Brown

0:35:34.520 --> 0:35:36.640
<v Speaker 1>Ambition folks out here. I love it, nannycause more and

0:35:36.680 --> 0:35:38.840
<v Speaker 1>more when I come out, people are like, oh my god,

0:35:39.600 --> 0:35:42.279
<v Speaker 1>brod A Bishes tell maybe a Bi. I'm like, look

0:35:42.280 --> 0:35:44.000
<v Speaker 1>at brown A bushing out here in these streets.

0:35:44.040 --> 0:35:48.200
<v Speaker 2>She never takes me anywhere guys I don't can take

0:35:48.239 --> 0:35:50.240
<v Speaker 2>them anywhere fun. She doesn't want me to go. Honestly,

0:35:50.320 --> 0:35:53.719
<v Speaker 2>I can't. I there's I always think Essensfest, Oh I

0:35:53.719 --> 0:35:55.680
<v Speaker 2>should go, But it's always when you tell me this

0:35:55.760 --> 0:35:58.680
<v Speaker 2>time of year, every year, two weeks before when it's

0:35:58.719 --> 0:36:01.920
<v Speaker 2>too late. Tynique and I too have seventy thousand points

0:36:02.040 --> 0:36:02.799
<v Speaker 2>to flight.

0:36:02.920 --> 0:36:05.120
<v Speaker 1>Please girl, she owes me how life I was like,

0:36:05.160 --> 0:36:07.000
<v Speaker 1>whatever I asked for the answer is yes, do you

0:36:07.040 --> 0:36:07.880
<v Speaker 1>hear me, young lady?

0:36:08.760 --> 0:36:09.480
<v Speaker 2>Well, how good?

0:36:09.480 --> 0:36:10.080
<v Speaker 1>What are you doing?

0:36:10.600 --> 0:36:13.920
<v Speaker 2>We get nothing that exciting. Actually, this is another reason

0:36:14.040 --> 0:36:16.279
<v Speaker 2>Essence Fence messes me up, because we have I have

0:36:16.320 --> 0:36:20.440
<v Speaker 2>a standing glamping vacation with my best friends every July.

0:36:21.600 --> 0:36:23.720
<v Speaker 2>And I'm like, first of all, if you have adult friends,

0:36:23.840 --> 0:36:26.279
<v Speaker 2>everyone's everyone here's adults. But if you have friends at

0:36:26.280 --> 0:36:28.800
<v Speaker 2>this age, like it's really hard to get everyone together.

0:36:28.920 --> 0:36:31.480
<v Speaker 2>But I'm so proud of us because even though one

0:36:31.520 --> 0:36:34.640
<v Speaker 2>of us had one of our group, the couples in

0:36:34.680 --> 0:36:37.080
<v Speaker 2>our group had a kid in October, Like, we're still

0:36:37.080 --> 0:36:40.040
<v Speaker 2>doing this trip now. Granted it's really it's really like

0:36:40.120 --> 0:36:42.439
<v Speaker 2>gone downhill from camping, Like now we just don't even

0:36:42.440 --> 0:36:45.600
<v Speaker 2>camp anymore. It's like full on Airbnb, like there was

0:36:45.600 --> 0:36:47.359
<v Speaker 2>a there was a crisis because we didn't know if

0:36:47.360 --> 0:36:49.839
<v Speaker 2>there was central air conditioning or not and everything, like

0:36:50.160 --> 0:36:53.719
<v Speaker 2>I love. So it's not quite camping anymore. Like so,

0:36:53.920 --> 0:36:55.759
<v Speaker 2>but the fact is we still get together as a

0:36:55.760 --> 0:36:57.799
<v Speaker 2>group of friends and I'm I try and chair it.

0:36:58.080 --> 0:36:59.360
<v Speaker 2>I don't want to be the one to mess up

0:36:59.360 --> 0:37:02.440
<v Speaker 2>this trip. So maybe when Essence Fest is not fourth

0:37:02.440 --> 0:37:06.080
<v Speaker 2>of July, maybe one day I'll make it work. But literally,

0:37:06.080 --> 0:37:10.120
<v Speaker 2>like never, all right, fine, we'll continue to represent. You

0:37:10.160 --> 0:37:15.480
<v Speaker 2>should get some brand ambition of business cards, like contact sheets.

0:37:15.760 --> 0:37:16.279
<v Speaker 1>No, that's dope.

0:37:16.320 --> 0:37:18.080
<v Speaker 2>I can't wait to hear about it. You're you're you're

0:37:18.080 --> 0:37:19.040
<v Speaker 2>probably speaking right.

0:37:19.880 --> 0:37:22.839
<v Speaker 1>Yeah, I'm speaking on Friday and Saturday, and so I'm

0:37:22.840 --> 0:37:25.520
<v Speaker 1>speaking for Ford and I'm speaking for us and themselves,

0:37:25.560 --> 0:37:27.440
<v Speaker 1>and so it should be a really good time, a

0:37:27.520 --> 0:37:32.920
<v Speaker 1>good brown time, exciting. I'm gonna take some videos so

0:37:32.960 --> 0:37:35.200
<v Speaker 1>people when people say Mandy, I'm like, oh, you want

0:37:35.239 --> 0:37:37.680
<v Speaker 1>if they had a Mandy Let's record, so I can

0:37:37.719 --> 0:37:38.239
<v Speaker 1>send it to you.

0:37:38.360 --> 0:37:41.200
<v Speaker 2>Yeah, give me fomo. Yeah, definitely you should take over

0:37:41.239 --> 0:37:43.600
<v Speaker 2>our Instagram accounts. But you should, that's what you should do.

0:37:44.160 --> 0:37:45.960
<v Speaker 1>Right, what I have to do my own Instagram.

0:37:46.000 --> 0:37:48.040
<v Speaker 2>Fine, does a text me pictures and I'll post

0:37:48.040 --> 0:37:51.480
<v Speaker 1>Them all right,