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Speaker 1: Hey, hey, Hey, I set up for a young woman

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Speaker 1: that I met in Atlanta last weekend, she said, and

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Speaker 1: make to day.

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Speaker 2: Every time she hears that. So we're back and we're

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Speaker 2: black and brown.

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Speaker 3: I'm Tiffany, I'm Mandy, and this is brown and busy.

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Speaker 3: Happy hump Day.

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Speaker 1: Yes, I'm super excited because we have an interview.

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Speaker 2: In honesty, they're like the cutest couple in the world.

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Speaker 3: So I was instagram stalking as I do, and I

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Speaker 3: came across the story of this phenomenal couple from my hometown, Atlanta, Georgia. Hey,

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Speaker 3: so in Atlanta, it's just an Atlanta themed episode today.

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Speaker 3: Tiffany was that landa this weekend without me, But it's fine.

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Speaker 3: And this couple, their names are Leo and Faith and

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Speaker 3: they are twenty seven years old and thirty years old,

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Speaker 3: just married last year, and they decided to spend their

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Speaker 3: first year tackling one hundred thousand dollars worth of debt

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Speaker 3: in twelve months. You know, no big deal. But I

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Speaker 3: saw their story on Instagram because they had just celebrated

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Speaker 3: paying off one hundred thousand dollars a debt. But what

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Speaker 3: really struck me was that they were like, oh, we're

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Speaker 3: not done yet. We have another one hundred thousand dollars

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Speaker 3: to pay off next year. But they look so happy

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Speaker 3: and joyous. And I reached out to them and I

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Speaker 3: asked if they would come on the show and just

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Speaker 3: share their story of how they managed to pay off

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Speaker 3: so much debt and so little time being so young.

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Speaker 3: And I love I love their interview. I think that

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Speaker 3: they are really inspiring. I mean, you and I both

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Speaker 3: talk about the issues we had early on our relationships

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Speaker 3: getting on the same page with our significant others, like

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Speaker 3: to tackle something like that, like if you're not going

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Speaker 3: to be a team about it, it's never going to work.

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Speaker 3: And I know that we've got questions from listeners over

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Speaker 3: the over the years now we've been doing this podcast,

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Speaker 3: asking you know, what do you do if your spouse

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Speaker 3: isn't on board, not on the same money page and whatnot?

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Speaker 3: And I think Leo and faith story is just proof

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Speaker 3: of first how to solve that issue and then how

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Speaker 3: to tackle your debt together as a team.

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Speaker 1: It's just a great, great lesson that you guys are

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Speaker 1: going to learn today because it's just it's not easy

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Speaker 1: when you're it's one thing to make your own financial

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Speaker 1: decisions and goals and choices. It's another when you have

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Speaker 1: to this is not a boyfriend or whatever, like, you

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Speaker 1: must consider someone else's feelings when you're tackling your financial

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Speaker 1: goals and theirs as well.

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Speaker 3: Yes, so excited to have them on the show. You

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Speaker 3: guys are going to take a quick break and be

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Speaker 3: right back with our interview with Leo and Faith. I

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Speaker 3: can't even imagine what it would be like if I

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Speaker 3: got married and then we sat down one day, did

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Speaker 3: some calculations and realized we had close to two hundred

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Speaker 3: thousand dollars of debt. But I wanted to bring on

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Speaker 3: this week's guest to the show, Faith and Leo from Atlanta,

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Speaker 3: because I came across them on Instagram and their story

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Speaker 3: was so inspiring. This actually happened to them. They're a

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Speaker 3: young couple from my home state of Georgia, and they

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Speaker 3: got married and had their whole lives ahead of them.

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Speaker 3: But when they sat down and really did the math,

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Speaker 3: they realized, holy crap, we actually have six figures worth

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Speaker 3: of debt. Now. What they didn't do is put their

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Speaker 3: heads in the sand and freak out and say, you know,

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Speaker 3: this is impossible. We can't achieve this. They sat down

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Speaker 3: and said, Okay, how are we going to make this happen?

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Speaker 3: They took on extra jobs, they completely changed their lifestyle,

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Speaker 3: and they manage to pay off over one hundred thousand

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Speaker 3: dollars in the last year alone. That's crazy amazing. So

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Speaker 3: I saw them on Instagram totally random. I slid into

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Speaker 3: I never slide into anyone's DMS. I don't really know

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Speaker 3: what that means, like is that creepy? But I slid

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Speaker 3: into Leo's DMS and I said, you, guys, do you

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Speaker 3: want to I want to have you and your wife

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Speaker 3: Faith on the podcast because I think people need to

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Speaker 3: hear the story like this, because sadly, they're not necessarily unusual, right,

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Speaker 3: like six figures of debt to twenty somethings, you know,

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Speaker 3: two millennials getting married today, Like we all have debt,

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Speaker 3: tons of student debt, and it's not like they did

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Speaker 3: anything wrong. But what I find really inspiring is that

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Speaker 3: they made a plan to actually tackle it and it's

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Speaker 3: clearly working. So Faith and Leo, thank you for coming

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Speaker 3: on Brown Ambition.

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Speaker 2: Yes, thank you for yes, thanks for having me, thank you.

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Speaker 4: We're glad to be here.

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Speaker 3: How how wow did you do this, How did you

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Speaker 3: well take us back to when you guys first met,

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Speaker 3: when you got married, and when was it that you

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Speaker 3: realized you were sitting on Was it two hundred something

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Speaker 3: thousand dollars worth of debt?

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Speaker 5: Yes, it was approximately two hundred.

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Speaker 6: And eleven thousand, and we met in twenty fourteen. I

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Speaker 6: moved from Boston for a job here in Atlanta, and

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Speaker 6: Faith moved here for school. She went to Emory University.

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Speaker 6: And a friend of mine invited me to a small

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Speaker 6: to a young adult service at his church. And so

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Speaker 6: I went to that service on a Wednesday night, and

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Speaker 6: my friend wasn't there. He didn't show up, but I

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Speaker 6: went anyways, and lo and behold, they were having small groups,

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Speaker 6: and Faith and I happened to live in the same

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Speaker 6: city and ended up being in the same small group,

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Speaker 6: so she couldn't take her eyes off of me, and

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Speaker 6: the rest is history.

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Speaker 3: She didn't know about that. She didn't know about that

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Speaker 3: debt yet though.

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Speaker 5: In her in her mind she was like, I don't

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Speaker 5: know about her, so.

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Speaker 3: And y'all are newly would so you mean it's only

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Speaker 3: been a year. Did you guys know about the debt

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Speaker 3: before you got married?

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Speaker 5: Yes? We sure did.

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Speaker 6: We had premarital counseling with our pastors a few months

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Speaker 6: before we got married, and we were forced to talk

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Speaker 6: about everything, including our finances. So when we sat down

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Speaker 6: with them, one of the sessions that we had was

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Speaker 6: about our purpose and what was the purpose of our marriage?

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Speaker 6: Why are you two together? What is it that you

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Speaker 6: guys want to accomplish.

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Speaker 5: So one of the things that we wanted to do

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Speaker 5: as a family was be a.

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Speaker 6: Family that gave, and not only financially, but our time.

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Speaker 6: And the biggest thing standing in our way was our debt.

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Speaker 6: So we decided to looking our accounts and total all

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Speaker 6: of our debt up to see what we were up against.

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Speaker 6: And there was the two hundred thousand who was leading.

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Speaker 2: The charge as far as having the most amount of debt.

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Speaker 7: Me, I, of course was So I went to private school.

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Speaker 3: I know, I heard Emory you were in trouble.

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Speaker 6: Yes, So I.

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Speaker 7: Got both of my undergrad degrees from private school, and

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Speaker 7: I also got my like graduate degree from private school too,

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Speaker 7: And I just thought it was normal to call Sally

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Speaker 7: May and I took out an excessive amount of student loans.

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Speaker 7: I didn't apply for any scholarships. I was just like, well,

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Speaker 7: Sally May is just going to get me through Emory

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Speaker 7: and all of my schooling.

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Speaker 4: So I was the one that brought in all the debt.

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Speaker 3: I mean you had some help, yeah, help, don't take

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Speaker 3: full credit and now you're a nurse practitioner and Leo,

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Speaker 3: you are an occupational therapist. But how when was it

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Speaker 3: that you realized, Okay, if we really want to tackle

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Speaker 3: this debt, we need to take on extra work.

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Speaker 5: Right away. There was no way we would be able

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Speaker 5: to pay off.

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Speaker 6: All of our debt within a reasonable amount of time

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Speaker 6: if we did not pick up extra jobs. So I

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Speaker 6: started doing the extra working first because Faith was still

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Speaker 6: in school when we started dating and courting, So I

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Speaker 6: worked on the weekends, worked on pretty much practically every Saturday.

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Speaker 6: So I was doing six days a week for as

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Speaker 6: long as I can remember, still doing it now. So

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Speaker 6: when Faith graduated and started working, she continued her part

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Speaker 6: time job from from her master's program while starting her

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Speaker 6: full time job.

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Speaker 5: So we just said, this might.

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Speaker 6: Have to be our life for the next couple of

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Speaker 6: years so we can really attack our debt.

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Speaker 1: I was just gonna say, was this a plan that

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Speaker 1: you guys created before you got married or what did

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Speaker 1: you kind of wait until after.

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Speaker 6: It was a plan to pay off our debt, but

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Speaker 6: we did not anticipate that it would be to this extent,

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Speaker 6: to this extent and as intense as we have been

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Speaker 6: going this past year. I think once the ball started

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Speaker 6: rolling and we saw how much ground we were making,

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Speaker 6: then we decided to just put our foot on the

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Speaker 6: pedal a little bit more each month.

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Speaker 3: How do you get to one hundred thousand dollars in

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Speaker 3: a year? To walk me through that, I mean, that's

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Speaker 3: what twelve months in a year? Seventy five carry the one.

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Speaker 3: It's a lot of money. Yeah, every month. I mean

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Speaker 3: that's thousands of dollars you guys were saving each month.

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Speaker 3: So I mean were you reducing your expenses? How much

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Speaker 3: were you bringing in those extra jobs? I mean, I

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Speaker 3: feel like you guys must never have even seen each

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Speaker 3: other if you're working that much.

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Speaker 4: Yeah.

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Speaker 7: So, I mean we reduced pretty much all of our

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Speaker 7: extra expenses. And so every single month we had a

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Speaker 7: budget meeting and we listed out, you know, what we

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Speaker 7: had planned for the month and what.

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Speaker 4: Else did we do.

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Speaker 7: We carpooled to work, so we both work in South Atlanta,

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Speaker 7: so instead of taking two cars to our job. We

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Speaker 7: carpool which saves us on gas and also miles on

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Speaker 7: another car.

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Speaker 4: And we rarely.

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Speaker 7: Eat out as well, So I'm packing all of the lunches,

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Speaker 7: i am making dinner.

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Speaker 4: Every week, like we're rarely eating out.

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Speaker 7: And that is what helped us save a lot of

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Speaker 7: extra money, because if you think about it, if you're

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Speaker 7: constantly eating out, you know, even if you get a

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Speaker 7: meal that's like five dollars, after a while, it begins

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Speaker 7: to add up. And we realized that we were saving

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Speaker 7: so much money by packing our lunches, by making dinner,

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Speaker 7: and also carpooling.

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Speaker 6: Yeah, and we also don't have cable, so we have

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Speaker 6: an antenna that we from Walmart so we can pick

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Speaker 6: up the local channels.

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Speaker 5: We have our firestick.

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Speaker 6: I still till this date have the iPhone five S

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Speaker 6: and I know they no longer.

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Speaker 5: Make that apple. Yeah.

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Speaker 6: So my phone bill is literally less than three hundred

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Speaker 6: dollars a year because I'm on a family plan with

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Speaker 6: a bunch of cousins of mine. So any little wiggle

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Speaker 6: room that we could we found and extra money would

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Speaker 6: go straight towards Sally May and fed loan servicing and

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Speaker 6: great lakes.

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Speaker 7: You should walk them through our weekend times of like

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Speaker 7: with working.

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Speaker 2: You get it.

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Speaker 5: So Faith and I would go to work on Friday.

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Speaker 6: Friday afternoon, I would leave my full time job and

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Speaker 6: go to my part time job for about three and

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Speaker 6: a half to four hours.

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Speaker 5: Faith would be home sleeping. When I get back, Faith would.

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Speaker 6: Be waking up to go to her overnight nursing job,

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Speaker 6: and I would go to sleep. In the morning, I

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Speaker 6: would be waking up and Faith would be coming back

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Speaker 6: in and I would be leaving to go to my

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Speaker 6: part time job on Saturday morning. And we did that

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Speaker 6: for the past six or seven months as we got

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Speaker 6: really intent, so it would literally be like, hey, oh, hey,

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Speaker 6: see you later, Belkis and yep, see you in a

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Speaker 6: little bit.

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Speaker 4: Yeah. But it was worth it though.

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Speaker 7: I mean, we have a poster that we have been

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Speaker 7: tracking how much debt we've paid off, and even though

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Speaker 7: we spent like a few months of our life not

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Speaker 7: really seeing each other, it's been really worth it to

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Speaker 7: see how much debt we were able to pay off.

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Speaker 7: With a lot of discipline, a lot of self control

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Speaker 7: and just deny it delayed gratification.

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Speaker 4: We were able to do all of that.

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Speaker 3: How did you prioritize the debts too, because you don't

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Speaker 3: have just student loan debts, you have some credit card debt.

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Speaker 3: I think you said you had a home improvement loan.

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Speaker 3: Like a lot of people have different you know, piles

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Speaker 3: here and there. How did you prioritize them?

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Speaker 6: The credit cards were from wedding expenses, so we got

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Speaker 6: rid of those fairly early. It started with me a

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Speaker 6: month before we got married attacking those, so we prioritized that,

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Speaker 6: and then we transition to the loans that were under

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Speaker 6: my name, which were my student loans because Faith was

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Speaker 6: able to qualify for a loan repayment. So we were like, oh,

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Speaker 6: let's just try to get rid of my loans because

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Speaker 6: we don't have that option for me.

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Speaker 3: So what do you mean loan repayment?

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Speaker 6: So she has the option and we haven't done this yet,

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Speaker 6: but she has the option at the end of I

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Speaker 6: think at the end of next year where she can

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Speaker 6: apply for loan repayment through her job in exchange for

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Speaker 6: two years of service to continue working in an underserved population.

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Speaker 6: See yeah, so she has that as a nurse practitioner,

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Speaker 6: where as I don't have any of those options as

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Speaker 6: an occupational therapist, so we decided to attack mine first.

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Speaker 3: Okay, right, Yeah, A lot of people don't realize. I

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Speaker 3: was going to ask when you said you were a nurse,

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Speaker 3: because nurses, I think, doctors, even teachers. There are these

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Speaker 3: lone loan repayment assistance programs you can look into. So

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Speaker 3: that's excellent that you found that. How much how much

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Speaker 3: are you able to get forgiven or repaid through that

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Speaker 3: program once you apply, So for.

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Speaker 7: An exchange of two years as working as a nurse,

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Speaker 7: they could give you up to fifty thousand dollars. Wow,

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Speaker 7: which is fantastic.

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Speaker 5: Yes, And we we.

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Speaker 6: Were speaking to our financial advisor, and we have the

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Speaker 6: option to have I guess the government or these loan

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Speaker 6: repayment programs pay off the remainder of our loans, but

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Speaker 6: it would take us six years to do that because

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Speaker 6: you know, fifty thousand and then I think it's fifty

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Speaker 6: thousand for the first two years, and then it goes

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Speaker 6: twenty thousand for the next two years and then ten.

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Speaker 6: So we have the option to do the loan repayment,

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Speaker 6: but we don't want to be in debt that long.

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Speaker 4: No, we're ready to be done.

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Speaker 1: Yeah, So you do have just some debt left that

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Speaker 1: you're still paying off.

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Speaker 5: You have over one hundred thousand left, Okay, just a

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Speaker 5: little bit. Okay there, I.

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Speaker 2: Was gonna say, so, what's your timeline? What do you think?

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Speaker 2: How long do you think before you knock it out totally.

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Speaker 6: We're hoping by the end of twenty nineteen that we

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Speaker 6: would be done, and that is.

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Speaker 5: If we apply for the loan repayment.

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Speaker 6: So they just have to be at her job for

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Speaker 6: another two years starting next year.

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Speaker 2: Okay, Wow, you guys are goals as far as like

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Speaker 2: working together.

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Speaker 1: So you know, that's my question because people ask me this,

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Speaker 1: how do you get on the same page financially with

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Speaker 1: your partner?

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Speaker 2: How were you able to do?

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Speaker 5: So?

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Speaker 1: Was there somebody that took a little longer to get

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Speaker 1: on the same pintial page or was it something that

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Speaker 1: you know, it was easy for you guys to come

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Speaker 1: to a consensus.

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Speaker 7: So Leo, it wasn't easy for me to come to

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Speaker 7: an agreement with this. So Leo is the one that

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Speaker 7: is very determined. He gets a goal and he just

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Speaker 7: runs after it. Me, on the other hand, I am

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Speaker 7: not like that. And so when I saw how much

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Speaker 7: debt we were in, it just to me, seemed impossible

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Speaker 7: for us to get out of.

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Speaker 4: So I struggled with that.

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Speaker 7: But then I think that the thing that helped me

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Speaker 7: in that process is realizing that this is just a

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Speaker 7: temporary season, Like this isn't going to last forever, So

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Speaker 7: let's just sacrifice right now so that for the next

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Speaker 7: I don't know, maybe fifty years of our life, God willing,

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Speaker 7: we can live that debt free. So this is just

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Speaker 7: a season, and so we just have to sacrifice and

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Speaker 7: do everything that we can right now to get out

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Speaker 7: of it.

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Speaker 6: Yeah, and for our conversation that we had, you know,

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Speaker 6: we would dream about what we wanted life to be

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Speaker 6: like five years from now, ten years, three years from now,

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Speaker 6: and that helped us, you know, sacrifice the now for

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Speaker 6: what we wanted in the future.

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Speaker 5: And we knew.

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Speaker 6: What it was like to sacrifice in order to go

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Speaker 6: to school, so we had already experienced life in some capacity,

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Speaker 6: so hey, why not do it for a bigger goal?

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Speaker 5: Why not do it for our family? Why not do

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Speaker 5: it for generations after us?

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Speaker 6: So that's what really kept us motivated once we knew

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Speaker 6: what our why was.

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Speaker 1: So I love that that was smart. You guys are

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Speaker 1: honestly You guys are really really inspiring. And I love

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Speaker 1: that that teacher dreaming helped you get on board Faith,

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Speaker 1: because it is hard sometimes for people to because it's

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Speaker 1: hard you feel like you work hard and you don't

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Speaker 1: want to sacrifice your life away, but when you realize

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Speaker 1: it's not really an eternal sacrifice, is just a temporary one.

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Speaker 7: Right, definitely, And that's what helped me be able to

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Speaker 7: get through it. And then also having the visual helped

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Speaker 7: me as well.

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Speaker 4: That we created.

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Speaker 5: Yeah, so we started off doing the.

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Speaker 6: We started off by doing the highest interest rate because

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Speaker 6: mathematically that made the most sense. But Faith wasn't really

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Speaker 6: a fan because most of our high interest rate that

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Speaker 6: was the highest amount and it would take us forever

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Speaker 6: to pay those off.

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Speaker 5: But once we switched to the debt snowball, she was

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Speaker 5: a lot more.

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Speaker 6: Forgiving and on board when she was able to see

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Speaker 6: us cross off you know, one or two loans every month.

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Speaker 2: Yeah.

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Speaker 3: Yeah, I mean that's why studies show the snowball works,

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Speaker 3: because it's all about that, like motivational, like the psychological

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Speaker 3: impact of a little smell. It's like when you whenever

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Speaker 3: I took a test in school, I always put my

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Speaker 3: name on the paper first, because I was like, well,

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Speaker 3: I did that right, and then I'll move on to

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Speaker 3: the hard stuff. I think it's yeah, I mean, it's

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Speaker 3: it's really smart just to I mean, and it also

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Speaker 3: helps establish the rhythm and the habits so that by

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Speaker 3: the time you get to the bigger debts, you guys

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Speaker 3: are like, oh, we know how to do this. It's

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Speaker 3: just a little bit more the what we were doing before. Yeah,

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Speaker 3: what does the future look like for you guys? I mean,

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Speaker 3: I think a lot of millennials today, I'm sorry for

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Speaker 3: saying millennials, I know, but people in their twenties and

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Speaker 3: early thirties who are in your shoes right so much

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Speaker 3: debt it can feel impossible. It can feel like a

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Speaker 3: pipe dream, just even small things like starting a family

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Speaker 3: or you know, buying a house someday. Talk about how

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Speaker 3: your goals feel to you now when you know you

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Speaker 3: also have this, you know, other one hundred thousand dollars

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Speaker 3: hurdle in front of you coming up.

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Speaker 7: So even though we still have the one hundred thousand

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Speaker 7: dollars left to know and to reflect back on the

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Speaker 7: past year, like when you really think about it, this

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Speaker 7: year flew by and we were able to pay off

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Speaker 7: one hundred and four thousand dollars in twelve months, and

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Speaker 7: so even though we still have the next twelve months,

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Speaker 7: what are the next one hundred thousand dollars left?

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Speaker 4: Like, it seems extremely doable to us.

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Speaker 7: And I mean our plans are we plan to start

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Speaker 7: a family soon in the near future, would be really nice.

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Speaker 4: What else do we plan on doing? Just vacationing.

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Speaker 7: We're going to Costa Rica, enjoying restaurants in Atlanta, and

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Speaker 7: spending more time with our friends. So we're just really

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Speaker 7: looking forward to the time that happens when we're debt free.

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Speaker 6: Yeah, and you know, we love to share our story because,

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Speaker 6: like you said, many people don't think it's possible to

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Speaker 6: pay off debt.

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Speaker 5: And that being in debt is normal.

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Speaker 6: And I don't know anyone who is okay with paying

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Speaker 6: double or triple what they bought or purchased. And that's

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Speaker 6: what we do when we stay in debt all of

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Speaker 6: our lives, Like we're paying triple the price or the

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Speaker 6: value of our product. So we just want to encourage

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Speaker 6: folks to you know, list their dead, see what it

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Speaker 6: is that they owe, and create a plan. It doesn't

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Speaker 6: have to be twelve months. It could be five years,

401
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Speaker 6: but if you have a plan, that's a start. So,

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Speaker 6: you know, I think about you know, our parents are

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Speaker 6: in their late fifties, early sixties, and we want to

404
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Speaker 6: be in a position that, hey, if they weren't able

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Speaker 6: to take care of themselves, at least we've made the

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Speaker 6: decision to be in a better financial state in order

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Speaker 6: to take care of them. We want to be able

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Speaker 6: to say more yes is to our children than knows

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Speaker 6: just because we can't support them financially.

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Speaker 5: So that's what drives.

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Speaker 6: Me and that's what keeps me going, and that's what

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Speaker 6: we're looking forward to in the future.

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Speaker 3: Were there any moments this year when you guys kind

414
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Speaker 3: of hit the wall and looking ahead to next year?

415
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Speaker 3: Will will you go at it as hard as you

416
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Speaker 3: can going on it now? Because I know when you

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Speaker 3: and I spoke before, you had talked about you know,

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Speaker 3: getting I mean, it can be really really draining. This

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Speaker 3: is keeping pace like this, and it can start to

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Speaker 3: take a toll, you know, on you individually together as

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Speaker 3: a couple. Are there any lessons you've learned this year

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Speaker 3: that you might do things a little bit differently with

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Speaker 3: your approach coming up this year?

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Speaker 7: So I'm really tired, fair enough be very tiring. So

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Speaker 7: I think that even though we spent a lot of

426
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Speaker 7: our time not seeing each other, the thing that helped

427
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Speaker 7: in our relationship was constant communication with one another. And

428
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Speaker 7: I felt like we grew in our relationship because it's

429
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Speaker 7: almost like we were forced to communicate. We had to

430
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Speaker 7: see how each other was doing, and that is what

431
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Speaker 7: helped us get through it. Realizing that I had a teammate,

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Speaker 7: someone that was there wanting to accomplish the same goal

433
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Speaker 7: as me helped so much. And then and looking to

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Speaker 7: next year, I personally don't think I can continue as

435
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Speaker 7: much as I've been doing right now, Like I'm tired,

436
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Speaker 7: So I'm getting a break right now, and then hopefully

437
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Speaker 7: we're going to start back up again pretty soon, pretty soon.

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Speaker 3: When you say break, do you mean taking on less work?

439
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Speaker 7: Definitely less work. So I'm still, of course doing my

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Speaker 7: full time job, and I'm still doing some overnight shifts,

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Speaker 7: but definitely not as much as I was doing before,

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Speaker 7: because I was literally doing like my full time job

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Speaker 7: along with like five to six overnight shifts each week,

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Speaker 7: and so now I'm probably doing maybe about one overnight

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Speaker 7: shift a week, which is a drastic change.

446
00:23:48,080 --> 00:23:51,000
Speaker 1: Well, I think a lot of people listening might say, Okay,

447
00:23:51,080 --> 00:23:52,600
Speaker 1: I'm in a similar position.

448
00:23:52,800 --> 00:23:54,720
Speaker 2: Where do I start? Where would you suggest?

449
00:23:54,840 --> 00:23:58,360
Speaker 1: Like, if they're with someone and they're married now, and

450
00:23:58,400 --> 00:24:01,520
Speaker 1: they're just like, okay, both want to admit that we're

451
00:24:01,600 --> 00:24:04,399
Speaker 1: really in debt and we're not sure what's the first step?

452
00:24:04,440 --> 00:24:05,080
Speaker 2: What should we do?

453
00:24:06,560 --> 00:24:11,399
Speaker 5: I would tell them to dream together? Okay.

454
00:24:11,920 --> 00:24:16,199
Speaker 6: I think going straight to the numbers may not be

455
00:24:16,280 --> 00:24:21,040
Speaker 6: the best way for some people. So talking about where

456
00:24:21,040 --> 00:24:23,920
Speaker 6: you want to be in the next three five years.

457
00:24:24,080 --> 00:24:25,840
Speaker 5: What do you want your life to look like?

458
00:24:27,200 --> 00:24:30,359
Speaker 6: And then once you guys come up with a common goal,

459
00:24:32,520 --> 00:24:37,560
Speaker 6: write down how much you owe visually seeing the amount

460
00:24:37,600 --> 00:24:41,160
Speaker 6: of debt that you owe, what your lending institutions are,

461
00:24:41,520 --> 00:24:45,400
Speaker 6: what your interest rates are. I mean, the government is

462
00:24:46,240 --> 00:24:51,639
Speaker 6: hiking up the interest rate quarterly, it seems. So writing

463
00:24:51,680 --> 00:24:54,800
Speaker 6: down all of that information and having a visual and

464
00:24:54,840 --> 00:24:59,520
Speaker 6: creating a budget that lists your income and your expenses,

465
00:24:59,640 --> 00:25:05,400
Speaker 6: and where you can reduce some expenses, either by cutting

466
00:25:05,440 --> 00:25:10,800
Speaker 6: something off completely or just you know, switching from Planet

467
00:25:11,840 --> 00:25:15,120
Speaker 6: switching to a Planet Fitness membership instead of La Fitness.

468
00:25:15,480 --> 00:25:18,840
Speaker 2: Yes, come to playing with that nine that's the Planet

469
00:25:23,680 --> 00:25:25,880
Speaker 2: that's awesome advice. Thank you guys so much.

470
00:25:25,920 --> 00:25:28,600
Speaker 1: This has been so like I mean, I wish I

471
00:25:28,600 --> 00:25:30,840
Speaker 1: would have when I first met Superman that's my nickname

472
00:25:30,880 --> 00:25:32,440
Speaker 1: for my husband.

473
00:25:32,760 --> 00:25:34,000
Speaker 2: But now now he's on board.

474
00:25:34,040 --> 00:25:36,600
Speaker 1: But in the beginning, oh boy, it was like everybody's

475
00:25:36,640 --> 00:25:37,840
Speaker 1: not a bunch of nisan.

476
00:25:42,800 --> 00:25:45,200
Speaker 2: What he was, he was not impressed.

477
00:25:45,480 --> 00:25:48,159
Speaker 1: But but what did help to your you know, to

478
00:25:48,200 --> 00:25:50,760
Speaker 1: your point on face is that when we started talking

479
00:25:50,760 --> 00:25:53,040
Speaker 1: about the life that we wanted and we wanted to

480
00:25:53,080 --> 00:25:55,639
Speaker 1: buy a home and some other things. So once once

481
00:25:55,680 --> 00:25:58,600
Speaker 1: he saw that, you know, that what we were working

482
00:25:58,600 --> 00:26:01,080
Speaker 1: toward was going to make that happen, especially when we

483
00:26:01,160 --> 00:26:02,680
Speaker 1: started home shopping.

484
00:26:02,640 --> 00:26:05,199
Speaker 2: Then he was like, Okay, I totally get it.

485
00:26:05,200 --> 00:26:06,719
Speaker 1: And now that we have a house, he's so excited,

486
00:26:06,760 --> 00:26:09,840
Speaker 1: and we're closing on a second one for investment purposes.

487
00:26:09,880 --> 00:26:13,600
Speaker 1: And now that's why, yes, that's why when I said.

488
00:26:13,359 --> 00:26:15,000
Speaker 2: What do you want to do for our honeymoon?

489
00:26:15,040 --> 00:26:16,360
Speaker 1: You know, do you want to go on vacation and whatever,

490
00:26:16,359 --> 00:26:18,640
Speaker 1: that's why he was so quick to say no, I'm honestly,

491
00:26:19,000 --> 00:26:21,560
Speaker 1: I'm fine. Because now he's fully on board because he

492
00:26:21,600 --> 00:26:24,160
Speaker 1: can see the fruits of our labor, right that's great.

493
00:26:24,240 --> 00:26:24,520
Speaker 5: That's it.

494
00:26:25,240 --> 00:26:28,320
Speaker 6: And I don't you know, aside from you know, buying

495
00:26:29,760 --> 00:26:33,160
Speaker 6: an investment property cash and receiving all of the rent

496
00:26:33,160 --> 00:26:36,000
Speaker 6: to your pocket, I don't know anything in our case

497
00:26:36,760 --> 00:26:41,320
Speaker 6: that would have put you know, eleven hundred plus dollars

498
00:26:41,359 --> 00:26:44,200
Speaker 6: back in our pockets from paying off our one hundred

499
00:26:44,240 --> 00:26:47,000
Speaker 6: thousand dollars of debt in the last twelve months. So

500
00:26:47,359 --> 00:26:50,040
Speaker 6: when we look at how much was coming out of

501
00:26:50,080 --> 00:26:54,199
Speaker 6: our pockets and going straight to those lending institutions, it

502
00:26:54,240 --> 00:26:56,840
Speaker 6: gives me that much more motivation to be like, hey,

503
00:26:57,600 --> 00:27:01,440
Speaker 6: we can have twenty five hundred dollars of month remaining

504
00:27:01,480 --> 00:27:03,280
Speaker 6: in our pockets if we got rid of all of

505
00:27:03,280 --> 00:27:03,600
Speaker 6: our debt.

506
00:27:03,680 --> 00:27:05,720
Speaker 5: So we're just super excited.

507
00:27:07,720 --> 00:27:09,440
Speaker 3: Thank you all so much for coming on the show.

508
00:27:10,200 --> 00:27:13,119
Speaker 3: We'll be following your journey. Tell us everyone if you're

509
00:27:13,160 --> 00:27:14,720
Speaker 3: if you're gonna be, you're gonna be sharing your journey

510
00:27:14,720 --> 00:27:18,040
Speaker 3: on Instagram, right of course, awesome whether you're what are

511
00:27:18,080 --> 00:27:20,199
Speaker 3: your Instagram handles so the folks can follow you if

512
00:27:20,200 --> 00:27:21,840
Speaker 3: they want to follow Leo?

513
00:27:21,920 --> 00:27:22,560
Speaker 4: What's yours?

514
00:27:22,600 --> 00:27:28,920
Speaker 5: Mine is Leo, that's l e O J dot L.

515
00:27:30,000 --> 00:27:34,200
Speaker 7: And mine is Faith Underscore Jasmine, which is J a

516
00:27:34,520 --> 00:27:35,080
Speaker 7: S M.

517
00:27:35,200 --> 00:27:36,040
Speaker 4: I N E.

518
00:27:36,359 --> 00:27:37,280
Speaker 2: And the number five.

519
00:27:38,920 --> 00:27:41,159
Speaker 3: You guys are too cute. I wish you both the

520
00:27:41,200 --> 00:27:45,920
Speaker 3: best newlywed gold. I mean, go for a nice dinner

521
00:27:45,960 --> 00:27:48,440
Speaker 3: for for your for your anniversary coming up right, Yes

522
00:27:49,119 --> 00:27:49,520
Speaker 3: we are.

523
00:27:49,720 --> 00:27:53,000
Speaker 6: I sent Faith the menu and we're going to a

524
00:27:53,080 --> 00:27:54,679
Speaker 6: place that has sixty dollars steaks.

525
00:27:54,760 --> 00:27:58,360
Speaker 5: Faith face, I am not on board with that.

526
00:27:59,720 --> 00:28:05,520
Speaker 7: Thanks, stay Justice one time, Faith, It's one year Justice,

527
00:28:05,560 --> 00:28:07,360
Speaker 7: one time, live it out, Faith, just this one time.

528
00:28:07,400 --> 00:28:10,199
Speaker 2: It's okay, this one time. I give you budget, these

529
00:28:10,240 --> 00:28:10,760
Speaker 2: the permission.

530
00:28:28,800 --> 00:28:32,679
Speaker 1: Wow, that, honestly was such a great interview. I feel

531
00:28:32,680 --> 00:28:36,639
Speaker 1: like that even if you're not married, there's just so

532
00:28:36,640 --> 00:28:41,040
Speaker 1: many great takeaways of of what you can learn from

533
00:28:41,280 --> 00:28:44,120
Speaker 1: from both Faith and Leo As. My biggest takeaway was

534
00:28:44,160 --> 00:28:47,400
Speaker 1: that before you do like the tangible work, to really

535
00:28:47,440 --> 00:28:51,040
Speaker 1: work on the emotional and mental work by just dreaming

536
00:28:51,040 --> 00:28:51,480
Speaker 1: about what.

537
00:28:51,480 --> 00:28:53,480
Speaker 2: Life could be like, and that's what's going to motivate you.

538
00:28:53,560 --> 00:28:54,920
Speaker 2: What about you, Mandy? Would you take away?

539
00:28:55,080 --> 00:28:57,360
Speaker 3: I love that they did pre maoral counseling and they

540
00:28:57,360 --> 00:29:00,000
Speaker 3: did it through their church, which is really smart. Husband

541
00:29:00,040 --> 00:29:02,880
Speaker 3: and I did pre marital counseling too. We found we

542
00:29:02,960 --> 00:29:05,880
Speaker 3: just I mean I think I just googled family therapists

543
00:29:05,920 --> 00:29:09,040
Speaker 3: pre mariital counselors in my city with my zip code

544
00:29:09,080 --> 00:29:11,920
Speaker 3: and just found, you know, a highly rated one, and

545
00:29:12,040 --> 00:29:14,000
Speaker 3: we did that for I think we had maybe four

546
00:29:14,080 --> 00:29:16,440
Speaker 3: or five sessions with our therapists before we got married,

547
00:29:16,440 --> 00:29:19,000
Speaker 3: which was helpful. It helped us just get in the

548
00:29:19,080 --> 00:29:22,200
Speaker 3: right headspace. We didn't have as huge of a financial burden.

549
00:29:22,280 --> 00:29:25,360
Speaker 3: But just like the act of sitting down with an

550
00:29:25,400 --> 00:29:29,040
Speaker 3: objective person and talking about how you are as a

551
00:29:29,040 --> 00:29:32,280
Speaker 3: couple and reminding yourselves that's really about the two of you,

552
00:29:33,040 --> 00:29:35,560
Speaker 3: it's helpful. So I love that they they did that

553
00:29:35,600 --> 00:29:38,080
Speaker 3: as a couple because otherwise it didn't sound like Faith

554
00:29:38,160 --> 00:29:40,880
Speaker 3: was going to be too quick to want to talk

555
00:29:40,880 --> 00:29:44,160
Speaker 3: about her debt. So I wonder if they hadn't done that,

556
00:29:44,240 --> 00:29:46,160
Speaker 3: how they would have. You know, we get that question

557
00:29:46,200 --> 00:29:49,160
Speaker 3: a lot. How do I, how do I, you know,

558
00:29:49,320 --> 00:29:51,920
Speaker 3: get my spouse on board paying off debt? And sometimes

559
00:29:52,040 --> 00:29:54,640
Speaker 3: it's hard for you to do it right. It was

560
00:29:54,680 --> 00:29:56,760
Speaker 3: hard for me to get my husband to tell me

561
00:29:56,800 --> 00:29:58,960
Speaker 3: his credit score or you know, talk to me about

562
00:29:58,960 --> 00:30:01,120
Speaker 3: his finances in the beginning. But once we had like

563
00:30:01,120 --> 00:30:04,280
Speaker 3: an objective third party person, he and I did this

564
00:30:04,480 --> 00:30:06,400
Speaker 3: even before we long before we got engaged, to this

565
00:30:07,280 --> 00:30:10,440
Speaker 3: like couples and finance one hour class that was I

566
00:30:10,440 --> 00:30:12,760
Speaker 3: don't know, like twenty bucks or something, and that was

567
00:30:12,800 --> 00:30:13,440
Speaker 3: a start for us.

568
00:30:13,480 --> 00:30:15,080
Speaker 2: It was a huge breakthrough.

569
00:30:15,000 --> 00:30:18,320
Speaker 3: Because it was someone but that wasn't me, that wasn't

570
00:30:18,360 --> 00:30:20,840
Speaker 3: so close to him to us, you know, asking those

571
00:30:20,840 --> 00:30:22,840
Speaker 3: types of questions and that helped break the ice and

572
00:30:22,920 --> 00:30:23,720
Speaker 3: release set tension.

573
00:30:24,600 --> 00:30:25,240
Speaker 2: Well that's good.

574
00:30:25,280 --> 00:30:28,440
Speaker 1: I mean, we didn't do a pre pre marital counseling,

575
00:30:28,560 --> 00:30:31,400
Speaker 1: but that would have been helpful. I guess it wasn't

576
00:30:31,400 --> 00:30:33,560
Speaker 1: like I will say, though we like we you know,

577
00:30:33,560 --> 00:30:35,840
Speaker 1: we were together for a while, but we didn't have

578
00:30:35,880 --> 00:30:38,280
Speaker 1: a huge like as it relates to personal finance, because

579
00:30:38,280 --> 00:30:40,920
Speaker 1: by the time we got married, we'd work through a

580
00:30:40,960 --> 00:30:44,480
Speaker 1: lot of like the financial differences we had fake goodness.

581
00:30:44,520 --> 00:30:46,240
Speaker 2: He didn't have superman, didn't.

582
00:30:46,000 --> 00:30:50,560
Speaker 1: Have any debt that made it super easy. Quite honestly,

583
00:30:50,600 --> 00:30:52,480
Speaker 1: it was just some habits that I thought, like, you know,

584
00:30:52,520 --> 00:30:54,120
Speaker 1: we could do better as it relates to this, but

585
00:30:54,560 --> 00:30:56,800
Speaker 1: he didn't have like you know, there was no credit

586
00:30:56,880 --> 00:30:58,640
Speaker 1: card dead, there was no student loan dead, there was

587
00:30:58,680 --> 00:31:01,760
Speaker 1: no mortgage, there was nothing. It was just like, m

588
00:31:02,080 --> 00:31:03,680
Speaker 1: that's probably not the best way to go about that,

589
00:31:03,680 --> 00:31:04,320
Speaker 1: that kind of thing.

590
00:31:04,800 --> 00:31:06,040
Speaker 2: But now we're on the same track.

591
00:31:08,120 --> 00:31:12,760
Speaker 1: So I hope you guys enjoy today's episode. To me,

592
00:31:12,840 --> 00:31:15,560
Speaker 1: it was really inspiring and I hope the biggest thing

593
00:31:15,600 --> 00:31:20,360
Speaker 1: you took away was service and that if you can

594
00:31:20,480 --> 00:31:21,480
Speaker 1: dream it, you can do it.

595
00:31:22,880 --> 00:31:26,960
Speaker 3: If you can dream. Okay, r Kelly. Oh we should

596
00:31:27,000 --> 00:31:29,040
Speaker 3: take back that song though. Can we just take back

597
00:31:29,040 --> 00:31:31,720
Speaker 3: that song without without giving him any kind of royalties?

598
00:31:32,280 --> 00:31:33,320
Speaker 2: I don't. I don't think so.

599
00:31:33,480 --> 00:31:35,640
Speaker 1: I just I mean, it's such a shame because it

600
00:31:35,680 --> 00:31:39,280
Speaker 1: is a great song, but he is the most terrible

601
00:31:39,360 --> 00:31:40,680
Speaker 1: human being on the face of the worst.

602
00:31:41,480 --> 00:31:45,080
Speaker 3: Yeah, well let's end on that note. That's cool. I

603
00:31:45,280 --> 00:31:47,120
Speaker 3: like to bring it back to sexual predators at the

604
00:31:47,200 --> 00:31:47,880
Speaker 3: end of every show.

605
00:31:49,960 --> 00:31:50,120
Speaker 2: Yo.

606
00:31:50,280 --> 00:31:52,160
Speaker 1: If that is that so bright a bush, such a

607
00:31:52,200 --> 00:31:55,800
Speaker 1: lovely time, We're like, huh yeah, let's bring some terribleness.

608
00:31:55,440 --> 00:31:57,880
Speaker 2: Up anyway, all right, mandra until next week.

609
00:31:58,400 --> 00:32:05,479
Speaker 3: Love wait, love you, I love you. I'm so tired.

610
00:32:06,720 --> 00:32:09,440
Speaker 3: I'm like, oh you didn't stay back. Oh no, oh,

611
00:32:09,440 --> 00:32:12,440
Speaker 3: my gough, I'm fine.

612
00:32:12,480 --> 00:32:15,760
Speaker 2: Mandy