Speaker 1: What's up, y'all? Think you for tuning in for a new.
Speaker 2: Episode of We Talk Back, a show dedicated to you
Speaker 2: niggas and bitches. Because y'all, I'm mad because the bitch
Speaker 2: was being cheap as fuck and I'm stuck in Saint Martin.
Speaker 2: Try to fly on a buddy pass.
Speaker 1: Okay, at least I'm in Paradise.
Speaker 3: What's up, tam Bam. I about to say, that's a
Speaker 3: good place to be. Stun You could be in Iowa,
Speaker 3: shout out to her.
Speaker 1: Ain't nobody and I are listening to this shit. They
Speaker 1: don't even know black people exist.
Speaker 3: Hey, y'all, it's Utan band. I love y'all. Thank y'all
Speaker 3: for tuning in again. All right, tell us about your
Speaker 3: weekid girl, cuz you know in Paradise.
Speaker 1: So, y'all, I'm still here. I've been here.
Speaker 2: Actually, I went to Anguilla on the twenty eighth of July.
Speaker 2: It is now July the ninth, and I've been stuck
Speaker 2: in Saint Martin for the last twenty four hours. But
Speaker 2: that ain't the whole trip. My whole trip was wonderful.
Speaker 2: A lot of food, a lot of lobster and spreads.
Speaker 2: I might put give it put together a little real
Speaker 2: for y'all content, Because I got a little tiny bit
Speaker 2: of content. My back is a little bigger. Okay, since
Speaker 2: I've been on vacation, it's supposed to be on vacation now.
Speaker 1: Eating a bunch of Johnny Cakes. Don't I look pregnant?
Speaker 1: Look how big my noses?
Speaker 3: Cake?
Speaker 1: It's just like fried bread, bitch.
Speaker 2: Okay, it's just like a you never had a Johnny cakes,
Speaker 2: like from the Jamaican restaurants.
Speaker 4: And ship my festival.
Speaker 1: It's like festival.
Speaker 2: Yeah, but it's like a flat, little round, spear shaped
Speaker 2: piece of goodness fried up being warm. Yes, breakfast, lunch, dinner.
Speaker 2: I don't never eat that much. Dog Like I am
Speaker 2: fasting when I get the fuck back home. I'm a
Speaker 2: fast for a while. But if y'all never been to Anguilla,
Speaker 2: gold Man, it's a really nice island. It's a chill island.
Speaker 2: If you're trying to it, it is expensive. I feel
Speaker 2: like all the island's expensive, then you're right. Jamaica is Yeah, like.
Speaker 1: We think it's gonna be cheap when we get that.
Speaker 2: It's just not like if you're looking for a cheap
Speaker 2: vacation vacation, I would suggest like Thailand, the flight might
Speaker 2: be expensive, but you're gonna pay like five hundred dollars
Speaker 2: to stay there.
Speaker 4: For a month month, right, that's it. But you're right,
Speaker 4: the islands are expensive.
Speaker 1: Yeah.
Speaker 2: So I'm in Saint Martin. After we get off today,
Speaker 2: I am going to try and catch a flight. If not,
Speaker 2: I'll be on Delta tomorrow. Shout out to Delta.
Speaker 4: What did I do this weekend? Shit? I ain't doing nothing.
Speaker 3: The weather was kind of sucky because Hurricane Barrel came
Speaker 3: through town, and I mean it didn't really hit us,
Speaker 3: but we got some of the weather off of it.
Speaker 3: So it was kind of rainy all weekend, which I enjoy.
Speaker 3: I kind of just laid up with me and Bella,
Speaker 3: my dog, y'all.
Speaker 4: And that was it. I ain't do Did I do
Speaker 4: anything else? Hell no, that was it all. My niggas
Speaker 4: was out of town on vacation. On vacation.
Speaker 3: No, it was like a bunch of group trips that
Speaker 3: went out of Charlotte. Like I'm talking about seventy people.
Speaker 3: Forty people, like huge group trips left this motherfucker.
Speaker 2: They probably right here in Saint Martin because this resort
Speaker 2: I'm on right now is fucking lit. Okay, I went
Speaker 2: outside for a little bit last night. I won eleven
Speaker 2: cents a word. I was like, what time is she
Speaker 2: going home?
Speaker 1: I text you last night.
Speaker 3: You ain't get it, yeah, I responded, I ain't get this.
Speaker 4: I said, stay in the room.
Speaker 2: I ain't get that the last thing, and then my
Speaker 2: messages was going out green. So I'm like, yo, something happened,
Speaker 2: Like I definitely got a knife in the bed with
Speaker 2: me though, Let's.
Speaker 3: Get it, and you know what, let me say this
Speaker 3: because this is one of our avid listeners and she's
Speaker 3: a huge supporter of the show on Instagram.
Speaker 4: Ok Ken.
Speaker 3: Her cousin, Taylor Casey, went to Bahamas for a yoga
Speaker 3: retreat on June nineteenth and went and went to dinner
Speaker 3: and then they never saw her again. She just vanished
Speaker 3: and they're still looking for her. So hashtag fine Taylor Casey.
Speaker 3: You can keep up with that, and we're definitely praying
Speaker 3: for Taylor that they found her. She's a forty one
Speaker 3: year old woman and she just disappeared on June nineteenth
Speaker 3: in Paradise Island, that saw Bahamas, So y'all just be
Speaker 3: on the lookout for that, and y'all keep her in
Speaker 3: your prayers that she gets to come home safely.
Speaker 2: Yeah.
Speaker 1: Man, you gotta be careful out here.
Speaker 2: God damn, I hate hear and stuff like that because
Speaker 2: it's like no closure until the right.
Speaker 1: Yeah.
Speaker 3: Yeah, I'm about to listen. I'm about to go in.
Speaker 3: My birthday coming up and I'm about to go away.
Speaker 3: I'm about to put an air tag right in the
Speaker 3: back of one of these dreads.
Speaker 2: You beat your data because they be really stealing women
Speaker 2: like cookies.
Speaker 4: Y'all gonna find me.
Speaker 3: God damn, y'all gonna fucking find me where I'm at,
Speaker 3: and I'm gonna have that.
Speaker 4: Motherfucking y'all gonna find.
Speaker 1: Did my location ever come over to you?
Speaker 2: No?
Speaker 3: It did not.
Speaker 4: That's why I was like, where you at?
Speaker 3: Like you?
Speaker 1: I sent it to my low one for one hour.
Speaker 2: Because I was trouble shooting it while on the phone
Speaker 2: with him, and I was like, oh, let me see
Speaker 2: if this worked, because initially, initially I did it for
Speaker 2: indefinitely and I'm like, ah, how do I change this back?
Speaker 2: Once I started, I wasn't sure, so I didn't an
Speaker 2: hour to test it out. Bitches, ain't ship y'all in
Speaker 2: a stupid news.
Speaker 3: So Kendrick Lamar's music video dropped over the weekend and
Speaker 3: on the first day he had what was on fourth
Speaker 3: of July draw right. It had fifteen million views in
Speaker 3: the first twenty four hours.
Speaker 1: Shout out to Ken Drack, big Jemini energy.
Speaker 3: Okay, I like how he supported like the same people.
Speaker 3: Some of the same people that were at the show
Speaker 3: were in the music video, like the crumping clown energy
Speaker 3: and all that.
Speaker 4: So I love that. It was a dope video.
Speaker 3: And Mike Rubin, Michael Rubin had his annual white party
Speaker 3: where he invites all the hotted celebs and stars, and
Speaker 3: Drake was there and people are saying that Drake and
Speaker 3: they were pictured together, and people are saying that Drake
Speaker 3: looks sad in the picture.
Speaker 2: Let me find out Drake feeling defeated a little bit,
Speaker 2: go to that white party.
Speaker 1: Get some white energy right quick.
Speaker 4: He looked tired.
Speaker 3: I don't know if he looks sad, but he definitely
Speaker 3: looked not as vibrant in the eyes. But who knows.
Speaker 3: Maybe he was on the bender. It was party time,
Speaker 3: you know, not a bender.
Speaker 1: He looked regular to me.
Speaker 2: He always Drake always looks like, what's that that movie
Speaker 2: it's a never never land with a big flying dog.
Speaker 2: You know what I'm talking about. It's a big before Yes,
Speaker 2: he looks like that puppy to me. Dog that Yeah,
Speaker 2: he always just looked like a little puppy to me,
Speaker 2: Like he just had the droopy eyes and shit.
Speaker 1: Like he looked regular to me.
Speaker 2: I don't know, but yeah, we ain't gonna talk about
Speaker 2: Drake looking sad and I got that party. Let's talk
Speaker 2: about motherfucking Kendrick Lamar video, y'all.
Speaker 3: The video is before Time, what you're talking about. I
Speaker 3: can't think of the name of that movie movie Time.
Speaker 3: It's something like that.
Speaker 4: But that ain't it because the lamb before Time is
Speaker 4: something else.
Speaker 1: Big flying dog.
Speaker 2: I put that in Google and my service is so
Speaker 2: fucking never ending story. What did I say in the
Speaker 2: land before Time? You said a lamb before time?
Speaker 3: Yeah, you ain't say, no, no name the never end
Speaker 3: the story. Yeah, that's it, you said ship. You just
Speaker 3: say he looked like that white dog.
Speaker 2: No initially, Okay, we it's recorded, y'all. Can hear if
Speaker 2: I say it or not?
Speaker 1: I don't remember. Yeah, anyway, Yeah.
Speaker 2: He looks like that to me, Like Drake always looks
Speaker 2: like that puppy. To me, it's not really a puppy.
Speaker 2: It's a big ass fucking flying dog. But that's what
Speaker 2: Drake looks like.
Speaker 3: That ship, if you're gonna look at that motherfucking the
Speaker 3: graphics did not hold up. I bet that ship look crazy.
Speaker 1: Redo it.
Speaker 4: Yeah, a good movie to redo.
Speaker 2: Actually, I really enjoyed the Kendrick Lamar's video. He had
Speaker 2: a lot of gems in there. So she media is
Speaker 2: now calling him a black historian, actual black historians. Some
Speaker 2: of them agree, and then some of them are like, oh,
Speaker 2: he's not.
Speaker 1: He can't.
Speaker 2: Why why anybody could be a black historian if you
Speaker 2: fucking study the hell is wrong with people? Like, I'm
Speaker 2: so sick of black people. They get on my goddamn nerve.
Speaker 2: But he dropped a lot of gyms, especially like talking
Speaker 2: about Atlanta and how Atlanta came about, and if you
Speaker 2: ask me, Atlanta is Atlantis.
Speaker 1: The Lost City.
Speaker 2: Okay right now is mad Max, But I think Atlanta
Speaker 2: is Atlantis. Like it's amazing people in Atlanta. And Drake
Speaker 2: does hop on every hot new artist and we may think,
Speaker 2: we may look at it as oh, he's like trying
Speaker 2: to beef their career up, but it also revives his
Speaker 2: every time a next new hot artist comes out. It's
Speaker 2: like a barter a bartering system.
Speaker 4: Yeah, they ain't bad for them.
Speaker 3: They have Drake on their shit though, But do you
Speaker 3: feel his light has dimmed some since this?
Speaker 2: Yeah, once the once the collectives start removing the energy
Speaker 2: from you, you can you literally you're seeing his light
Speaker 2: dim So that's just what happens. Like, that's that's why
Speaker 2: they sound yes, because it's the energy of the people
Speaker 2: that keep these entities going.
Speaker 3: I still love Drake. I think a lot of people
Speaker 3: still love drinking. People like women don't feel like, yeah,
Speaker 3: they're not part of the battle beef.
Speaker 2: I don't think his career is over, Like it's not
Speaker 2: going to be a Meek Mills situation. I don't think
Speaker 2: his career is like finished. Okay, he still has a
Speaker 2: lot of fans. There's a lot of people who feel
Speaker 2: like he won the battle, you know, but did he
Speaker 2: win the war?
Speaker 1: It's a question.
Speaker 2: Yeah, I don't think so. I don't think so. But
Speaker 2: shout out to Kendrick Lamar.
Speaker 4: I appreciate how.
Speaker 3: One song because it was really one particular song that
Speaker 3: Kendrick did that just revived the whole coast.
Speaker 1: Yes, no, I feel like everybody like you.
Speaker 3: No, yeah, but I mean the energy over on the
Speaker 3: West Coast was different, you know, like everybody liked that song,
Speaker 3: but when you went out there, they was going crazy,
Speaker 3: like next level crazy.
Speaker 4: I loved it and also scared.
Speaker 1: Why are you scheduling trip up? I know, my goofy ass.
Speaker 3: But no, I ain't scared of trip, but I'm scared somebody.
Speaker 3: You know, they coping different out there, Like what set
Speaker 3: you claiming?
Speaker 4: Bitch?
Speaker 1: Can you crip walk for real?
Speaker 3: Though?
Speaker 1: Can you really do that? I don't have enough coordination
Speaker 1: for none of that shit.
Speaker 4: Yeah I can do that.
Speaker 1: I want to see.
Speaker 4: I'm supposed video crop walk challenge when I.
Speaker 2: Get Whitney also had a little special guest appearance hearing
Speaker 2: the kids in the video. You know, because a lot
Speaker 2: of what Drake was like in his disc a lot
Speaker 2: of it was based off of mister morale the album
Speaker 2: and what people don't I don't understand and why why
Speaker 2: people don't get it? The album was not about Kendrick
Speaker 2: Lamar's life. It was actually about the morale or the people.
Speaker 2: So we had a bunch of different instances in there.
Speaker 2: So at what point would you use that and a
Speaker 2: disc record? It's weird you had no intel on Kendrick
Speaker 2: Lamar other than what he told you on an album.
Speaker 2: So yeah, this still doesn't say him and his girl altogether.
Speaker 2: She probably just down for the family.
Speaker 1: We don't know.
Speaker 3: But she was at the concert and she's in the video,
Speaker 3: so I mean, yeah, it ain't like how.
Speaker 4: What that lady is?
Speaker 3: They be like, oh, she never showed up like that,
Speaker 3: so never never bea ginging to you.
Speaker 4: Camp the Auntie's Day first episode, Oh my.
Speaker 1: God, I saw clips.
Speaker 4: Yeah on zeus, this is some clarity.
Speaker 3: That's that's gonna be my new Like. I love watching
Speaker 3: Ratchet TV. On the stair Climber, they get that thirty
Speaker 3: minutes done. Baby, I watched Baddi's and now I got
Speaker 3: some new shit to watch.
Speaker 2: Did you see I didn't see the video, I mean
Speaker 2: the episode.
Speaker 1: You watched the actual episode?
Speaker 4: Oh no, not yet. No, I'm saving it for the
Speaker 4: stair Climber.
Speaker 1: Yeah. I only saw the clip.
Speaker 2: And I saw the clip of Tokyo Tony showing her
Speaker 2: Kouchi to the game.
Speaker 1: Did you see that? No, she's such a fucking like.
Speaker 2: The thing is is like, I like Tia Camp and
Speaker 2: I like Tokyo Tony. I don't really know about Blueface
Speaker 2: Mom like that, Like she just she just gives super
Speaker 2: Cloud Chase energy like these women do too, but it's
Speaker 2: just different, like they just they still got their own
Speaker 2: little personality with it. Black China. I don't know how
Speaker 2: she survived her mama. I don't know how to fuck
Speaker 2: she survived Tokyo.
Speaker 1: Tony, but she did.
Speaker 2: And Tokyo Tony, she really hate Black China. She just
Speaker 2: a fucking she'd be hating on that girl so bad.
Speaker 2: But she was talking about like basically Black China, sex
Speaker 2: and all this stuff, right, and then she pulls her
Speaker 2: kuchi out to the game.
Speaker 4: She pulls her kuchi out.
Speaker 2: It's crazy, talked her leg open on the couch on
Speaker 2: one of the videos.
Speaker 1: It's a clip out there.
Speaker 4: Well, I can't wait to watch. That's gonna get me
Speaker 4: through my thirty minutes. Level ten.
Speaker 3: Airy spears Uh took to the social media to say
Speaker 3: women don't need fake eyelashes, and he posted the whole
Speaker 3: video discussing why he felt like women didn't need lashes.
Speaker 4: And here's my thing.
Speaker 3: The last time you got on the internet talking about
Speaker 3: a woman and.
Speaker 4: What she needed to look like.
Speaker 3: People got to dig it in your history and find
Speaker 3: out that you had some did some really dodgy videos
Speaker 3: that could consider you a child molester or you know,
Speaker 3: like it wasn't good. So why don't you stop talking
Speaker 3: on women like, we don't need eyelashes. We don't need
Speaker 3: your opinion honestly about our eyelashes. People want are gonna
Speaker 3: wear what they want to wear. If they want to
Speaker 3: wear eyelashes, let them.
Speaker 2: First of all, I need my motherfucking eyelashes. I don't
Speaker 2: know what the hell he talking about.
Speaker 1: They're like a craziest hell.
Speaker 2: Now, once you start doing something, it's like you look
Speaker 2: crazy without it, So I like my lashes maya goddamn business.
Speaker 2: What you need to do is check on your damn
Speaker 2: health because you don't look healthy at all.
Speaker 1: You don't need to be that fucking big. What's that?
Speaker 3: What?
Speaker 1: Your skin?
Speaker 3: You know?
Speaker 1: The skin is your biggest org.
Speaker 2: So I can only imagine what the inside of that
Speaker 2: big body looking like. Because his skin looks explorable, let's
Speaker 2: talk about that. What really is a dermatologist?
Speaker 3: He got really bad dark circles under his eyes, but
Speaker 3: that might be hereditary under his thighs eyes. I ain't
Speaker 3: seeing that, nigga thighs.
Speaker 1: Don't put that out. Imagine what them thighs looking like.
Speaker 3: No, I'm not gonna do that because I ain't, because
Speaker 3: then we're just doing what he's doing.
Speaker 4: So I'm not gonna girl.
Speaker 2: You know, I go to hell every time. Okay, Yeah,
Speaker 2: so y'all stay stay heavenly. We're coming from women. I'm
Speaker 2: so sick of men telling women what to fucking do. Like,
Speaker 2: mind your business already. There's enough women out here that
Speaker 2: has the thing that you like for you to go
Speaker 2: for that and talk about that. Yeah right, there's a
Speaker 2: lot of women who don't wear lashes.
Speaker 3: A lot. I ain't got on nothing right now, Curry,
Speaker 3: I might not put on.
Speaker 2: And I put mine on this morning for Tenny like
Speaker 2: I did that.
Speaker 1: Thank you girlfriend, period.
Speaker 2: But Mayo fucking business, grown sack of shit. I don't
Speaker 2: like that dude.
Speaker 1: Okay.
Speaker 2: Anytime I see him on anybody's platform, I'm disgusted, Like,
Speaker 2: why do y'all still have conversations with this guy?
Speaker 1: Why?
Speaker 3: Yeah, he doesn't seem to be a very Those videos
Speaker 3: weren't dodgy.
Speaker 2: Those videos were exactly what the fuck those videos were
Speaker 2: and if anybody wants to see him, I'm not spreading
Speaker 2: child pornography.
Speaker 1: But this is out there.
Speaker 2: Go check the Go check the archives, because it's the
Speaker 2: reason why they tried to scrub that stuff from the
Speaker 2: Internet archives dot org.
Speaker 1: You can find him airy spirits. That dude's a problem.
Speaker 4: Yeah, I agree. Well, let me tell y'all.
Speaker 3: Over the weekend, I saw this viral post about this
Speaker 3: woman who went to instacart and she ordered. She put
Speaker 3: the same thing, the same exact items in her Instacart
Speaker 3: that she had bought in twenty twenty one, and her
Speaker 3: total in twenty twenty one was seventy dollars. In twenty
Speaker 3: twenty four it was one hundred and sixty five dollars
Speaker 3: for the same small amount of items. So inflation, and
Speaker 3: she was just discussing how inflation has gotten out of
Speaker 3: control and how she don't know how she gonna make
Speaker 3: it because she has kids to feed. And I felt
Speaker 3: that because I feed it myself has been quite you know,
Speaker 3: different this year. So I wanted us to discuss inflation.
Speaker 3: I want us to talk about how we're handling and
Speaker 3: I want to give us some tips that we found
Speaker 3: online to hindle inflation. You guys, cause it's affecting us
Speaker 3: all unless y'all like coming like that, so we'll be right.
Speaker 1: Back, all right, y'all.
Speaker 2: So we're back, and like Tam said, we want to
Speaker 2: talk about inflation because it's just something that affects everybody,
Speaker 2: like nobody.
Speaker 1: Is escaping it.
Speaker 2: Even people who have, you know, a lot of money,
Speaker 2: they still feel it because you know, once you make money,
Speaker 2: it's another thing to try to keep it right. So
Speaker 2: sometimes they are a little bit more cheaper than our asses.
Speaker 2: But what causes inflation, So inflation is the rise in
Speaker 2: prices of goods and services over time. Consumers lose purchasing
Speaker 2: power when prices rise. The power of a single unit
Speaker 2: of currency doesn't go as far as it did before.
Speaker 2: So that's why they say, like if you win a lottery,
Speaker 2: take the lump sum, right, because a dollar doesn't have
Speaker 2: the same value today as it does tomorrow. A little
Speaker 2: inflation isn't much cause for concern, but inflation can pose
Speaker 2: serious problems when prices rise too quickly, which we have
Speaker 2: seen since COVID. You can't tell me this is organic inflation,
Speaker 2: though I feel like this is something that was intentionally
Speaker 2: done to harm the economy in the United States. But
Speaker 2: that's another episode. So it's also an imbalance in supply
Speaker 2: and demand. Inflation tends to increase from consumer demand for
Speaker 2: goods and services increase while supply remains limited disruption in supplies,
Speaker 2: and we saw this with groceries and shit like that,
Speaker 2: Like you know, one day they say, oh, it's no butter.
Speaker 2: The next day a bunch of butter on the shelf.
Speaker 2: So did y'all keep the butter in the back to
Speaker 2: create like this illusion that there's a lack or less
Speaker 2: of So now you can put the price up.
Speaker 1: Who knows.
Speaker 2: Global energy prices jumped following Russia's invasion of Ukraine, so
Speaker 2: that's another thing.
Speaker 1: We got gas inflation, the price of gas.
Speaker 2: Russia cut off global energy supplies and tighten the marketing.
Speaker 2: So they're gonna blame all this is off investipedia dot
Speaker 2: com and I love this website, y'all know, I do stocks.
Speaker 2: I'm always on here. But a lot of this shit
Speaker 2: they blame in other people. Let's talk about the United States.
Speaker 4: Mm hmmm.
Speaker 2: So basically, inflation erodes purchasing power essentially.
Speaker 4: Baby, don't it.
Speaker 3: The fuck going on?
Speaker 1: So what what do you do?
Speaker 3: You personally to combat inflation in your household.
Speaker 1: So one of the things I have started doing is.
Speaker 3: Getting a man. That's what I need to do because
Speaker 3: I need this need to be a two income household.
Speaker 2: Yeah, Like, if y'all don't realize this life is based
Speaker 2: off of double occupancy, you better get you a nigga.
Speaker 1: Like, everybody gonna start pairing up real quick.
Speaker 2: All these niggas who think that they don't need a woman,
Speaker 2: don't need a wife, all these bitches who think they don't.
Speaker 1: Need a man.
Speaker 2: Everybody gonna be pairing up very soon. So, yes, I
Speaker 2: did get a refurbished relationship. And here I am bitch
Speaker 2: splitting bills. Absolutely, they ain't fifty to fifty now because
Speaker 2: I still ain't with that bullshit. But I am responsible
Speaker 2: for groceries and shit like that, right, So I have
Speaker 2: started coupon in a little bit, a little bit pekito
Speaker 2: because that shit is fucking nerve wrecking. But I bought
Speaker 2: a app y'all should download it is id otta. They
Speaker 2: have all these You connect your checking account to it
Speaker 2: and they tell.
Speaker 1: You, like what stores have the deals.
Speaker 2: It's usually like public cvs and shit like that, and
Speaker 2: people be sleeping on CVS because it appears expensive, but
Speaker 2: they have a lot of cash back rewards and you
Speaker 2: can double up, triple up coupons and shit like that.
Speaker 1: Harris Teeter is a good place to do this type
Speaker 1: of shit.
Speaker 2: But y'all can go on YouTube and just type in
Speaker 2: couponing and there's a lot of people who do the
Speaker 2: work for you. They tell you exactly where to go at,
Speaker 2: they tell you how to put the deals together. I
Speaker 2: bought it is always going to be like one of
Speaker 2: the main things they talk about, because you know, you
Speaker 2: get the cash back awards on different items you buy,
Speaker 2: so especially the daily household shit. I hate spending money
Speaker 2: on like toilet tissue, paper towels.
Speaker 3: It's so detergent, and so I definitely started coupon in
Speaker 3: this year. It ma'd be kind of fun too, Like
Speaker 3: you cut your little clip, your little couper's you gotta
Speaker 3: take the ad out the store, in the online and
Speaker 3: try to make the amount match what the girl says
Speaker 3: on YouTube, Like, yeah, I've been doing that. Sometimes it
Speaker 3: don't always work out, Like how the fuck she got
Speaker 3: it down? A dollar ninety eight cent in mine is
Speaker 3: four ninety eight, but still four ninety eight is a
Speaker 3: bit it's better than the twenty five dollars it was
Speaker 3: gonna be. So I definitely started doing that shit exactly.
Speaker 2: But for like the holistic girlies, like a lot of
Speaker 2: the shit, like the food items that be on sell
Speaker 2: oh eat. So some of you guys, if you are
Speaker 2: into coupon and start selling that shit, sell the items
Speaker 2: that you get, like I don't use regular toothpaste, and
Speaker 2: you always can find crust and Colgate on sale.
Speaker 1: Buy that shit and put it on a Facebook marketplace.
Speaker 3: Book marketplace offer up.
Speaker 2: Because sometimes when I'm looking for certain shit, like I'll
Speaker 2: go in there.
Speaker 1: See see who's selling what?
Speaker 3: Right?
Speaker 2: I agree, I stay balling the budget. Y'all heard me
Speaker 2: just say, I fly. I flew on the fucking companion pass.
Speaker 1: Okay.
Speaker 3: So, but sometimes them ships end up costing you more
Speaker 3: than a fucking ticket. Ahead you bought it in the
Speaker 3: first place, that's the only problem, because then you got
Speaker 3: to buy a hotel room. Then you might end up
Speaker 3: actually having a buyer plane ticket like me.
Speaker 1: Right now.
Speaker 3: It's a crap shoot. Yeah, that is a crap shoot.
Speaker 3: But if you can travel, but when you win, you
Speaker 3: win big.
Speaker 4: So yeah, yeah, so I get that. If you can
Speaker 4: travel on the buddy pass y'all, get y'all a buddy pass.
Speaker 4: Don't buy the plane ticket.
Speaker 1: Stick to you high?
Speaker 4: What else do you do?
Speaker 2: Let me see what any other adjustments I've made get
Speaker 2: you a fucking Costco car, bitch, because Costco gas be
Speaker 2: cheaper than everybody else's. Really, yeah, I'm not really a
Speaker 2: before like doing it, Like the little light low coupon,
Speaker 2: I have always like gone on. I have all the
Speaker 2: different grocery stores that I shop at. I have the
Speaker 2: apps on my cellphone, so I always look for deals
Speaker 2: before I even leave the house. You know, I make sure,
Speaker 2: like see what I see what you need. Don't just
Speaker 2: go to the grocery store buying shit. See what you
Speaker 2: actually need first, right, because you end up in the
Speaker 2: store with no list and you just buying a bunch
Speaker 2: of shit you really don't.
Speaker 3: Especially, don't go hungry too. Don't go to the store
Speaker 3: hungry because you will buy some shit.
Speaker 4: Yeah, you will get some shit that you don't need.
Speaker 4: I like to. So what I've done is I've been
Speaker 4: doing Factor meals.
Speaker 3: So but I have a friend who works for Factor
Speaker 3: and they get forty percent off, so I use their
Speaker 3: discount code. So I get forty percent off. I get
Speaker 3: seven seven meals for like seventy bucks.
Speaker 4: Wow, that's cheap.
Speaker 1: Are they tasty?
Speaker 4: Yeah, they tasty. They taste nice. I mean, it ain't like.
Speaker 3: It ain't all of that like, it ain't like, oh
Speaker 3: I can't wait to get to my Factor box. But
Speaker 3: it ain't bad. Like it is delicious. I add a
Speaker 3: little season and I like to do a little judge
Speaker 3: to it to make it like real flavorful. And then
Speaker 3: I do that and then I my week. It would
Speaker 3: be simple. I order. I know, I'll go get like
Speaker 3: five of those salad kids, a pack of chicken, and
Speaker 3: I have a protein shape for breakfast, a salad kit
Speaker 3: for lunch, and a Factor meal for dinner and my
Speaker 3: whole week. Ain't I spend like almost one hundred dollars,
Speaker 3: you know for a whole week full of my groceries,
Speaker 3: And I'm getting skinny because the bitch ain't got no
Speaker 3: money to eat with am. That's a plus of inflation, okay,
Speaker 3: But my meals are playing out like that. It's simple,
Speaker 3: it's easy, it's affordable. People don't realize. People think Trader
Speaker 3: Joe's is expensive. But if you go and Trader Joels
Speaker 3: they have a lot of really affordable quality stuff in there.
Speaker 3: So I like shopping at Trader Joe's. Whole Foods, I
Speaker 3: don't go there no more.
Speaker 1: That's Whole Check.
Speaker 4: I stop going to Whole Foods like that. I want.
Speaker 3: If I want like a nice cut of salmon or
Speaker 3: something like that to go on my salad instead of chicken,
Speaker 3: I'll go to Whole Foods. But I don't like they
Speaker 3: are a little bit more pricey than Trader Joe's.
Speaker 2: Target said that they were cutting back on prices because
Speaker 2: apparently they were way above everybody else's prices, so they
Speaker 2: did some rollbacks recently at Target.
Speaker 1: I don't know, so okay, So like.
Speaker 2: Cleaning supplies and laundry detergent again, like Publix always has
Speaker 2: this thing where you I think it's buy buy fifty
Speaker 2: dollars worth and you get fifteen, like a fifteen dollars
Speaker 2: Target gift card.
Speaker 1: Yeah, so that's usually once a month they have that.
Speaker 2: So that's usually when I buy my detergent and stuff
Speaker 2: like that and get that fifteen dollars back, and the
Speaker 2: shit if I want to go and buy a bathing
Speaker 2: suit and some shit, fifteen dollars off, So you just
Speaker 2: got to look for me, like, and we are single people.
Speaker 2: I can't imagine what people with children are doing. And
Speaker 2: so we probably should have got a coupon or on here,
Speaker 2: just somebody who has children and to have a real
Speaker 2: life experience with.
Speaker 1: Dealing with inflation, because it's not just you you're.
Speaker 3: Responsible for right when you have kids, it's a whole
Speaker 3: different ball.
Speaker 4: Game because clothes.
Speaker 1: School's coming back up, like.
Speaker 3: They gotta get school supplies. Maybe we should do like
Speaker 3: a drive a drive for school supplies for kids.
Speaker 4: In our community or something like that. That would be nice.
Speaker 3: Another thing I do is like the things like I
Speaker 3: used to do every two weeks, I stretch it out
Speaker 3: a month. Like so my nails, I don't go every
Speaker 3: two weeks. Now I go once a month. I get
Speaker 3: my nails once a month. And I made them shorter
Speaker 3: because longer nails pop up faster and shorter nails don't.
Speaker 3: So I was acting like I just want it shorter. No,
Speaker 3: I just can't do it every two weeks anymore. Mm hmm.
Speaker 1: The maintenance girls, what the fuck are y'all bitch is doing?
Speaker 2: Because I do most of my own maintenance, and I
Speaker 2: did start getting petticares at least once a month, and
Speaker 2: really the main reason why is to patronize me.
Speaker 3: You scratching that man. Shut you scratching that man up
Speaker 3: in that bed.
Speaker 4: You can't know the bid.
Speaker 1: No going making sure.
Speaker 2: My god daughter makes some money too, so I just
Speaker 2: go to her to get my get my toes out.
Speaker 2: She does really amazing petticares also, So that's a very
Speaker 2: little maintenance. I do my own hair. Like I'm start
Speaker 2: I'm gonna start paying for maintenance though I.
Speaker 1: Think I.
Speaker 4: Waxing. I start waxing.
Speaker 3: Work from I was like so for real all year,
Speaker 3: like from the beginning of year till now.
Speaker 4: You know, I just had it like yeah, wolf pussy
Speaker 4: for real.
Speaker 3: But uh, because I ain't doing nothing.
Speaker 4: I ain't like it's just you. I ain't using it.
Speaker 4: I ain't using it.
Speaker 3: So I wasn't doing all of that, just kept it clean,
Speaker 3: you know, But I ain't do nothing with it. But
Speaker 3: it is the summertime. It do got too hot for that,
Speaker 3: so I went and got a bikini there and I
Speaker 3: use that. I mean, it's cool, it's not like baby
Speaker 3: smooth like wax. But I mean, ain't nobody like what
Speaker 3: I needed. You know it's good. It does what I
Speaker 3: needed to do, So that's money saved for me because
Speaker 3: that added up lashes as y'all. Like I said earlier,
Speaker 3: I ain't got no lashes on saving money. I use
Speaker 3: a strip. I wear a strip instead of paying for
Speaker 3: actual lashes because they are expensive.
Speaker 2: Yeah, I think people who even if you have the
Speaker 2: means to do all of these things, like eventually, if
Speaker 2: you're not feeling this inflation today, eventually you will, so
Speaker 2: you should start acting like it's already affecting.
Speaker 4: Right exactly.
Speaker 1: I just don't like I don't like spending money on
Speaker 1: certain things.
Speaker 3: I don't want to wait till I don't got no
Speaker 3: money to make changes.
Speaker 2: And that's what people are. That's what a lot of
Speaker 2: people are missing. Like even on social media, y'all think
Speaker 2: these people have all this shit and they don't.
Speaker 1: We don't him being honest, motherfucker, is not be They
Speaker 1: be wearing fake bags, fake shoes.
Speaker 2: Meanwhile you trying to spend your whole tax return on
Speaker 2: a real bag. Okay, these bitches is around here with
Speaker 2: all the fake burkins. Everybody can't to buy a burkin.
Speaker 1: Y'all know that.
Speaker 2: Everybody don't have access to buy no fucking burkin for real,
Speaker 2: and even like in places like the real real, like
Speaker 2: you still spending thirty thousand dollars on a bag?
Speaker 1: Y'all think they really doing that? That shit?
Speaker 3: It don't really appeal to me no more. There was
Speaker 3: a time where I used to aspire to have those things,
Speaker 3: but now it just seems silly to me. Thirty thousand
Speaker 3: dollars on a bag don't sound like it, don't.
Speaker 1: It don't sound like future exactly.
Speaker 2: I mean, well, the bags and watches and stuff like that,
Speaker 2: they do hold their value, so you it's not a
Speaker 2: bad investment, per se. But there's other ways to diversify
Speaker 2: your goddamn portfolio.
Speaker 3: But let's say something really uh you know, what's the
Speaker 3: word cataclyptic? Catastrophic catastrophic happens? Are the bags gonna have
Speaker 3: the same value.
Speaker 1: In that moment, you know, like what you're carry water?
Speaker 4: Right Like?
Speaker 3: So I just want to make sure that I'm setting
Speaker 3: myself up for success in any environment. And I don't
Speaker 3: know if persons is really gonna make the difference for me.
Speaker 3: It's I used to, I don't get me wrong. If
Speaker 3: y'all my birthday coming, if y'all want to send me
Speaker 3: a nice bag.
Speaker 4: I'm going to.
Speaker 1: Take it, but you ain't buying it, bitch.
Speaker 3: Ain't buying none of that ship. Yeah, it's not the
Speaker 3: season for that.
Speaker 2: I remember when I lived in when I lived in Atlanta,
Speaker 2: I was looking to buy a house at that time.
Speaker 2: So my realtor girl, just because I think people will
Speaker 2: assume that because it's a white person, they assume their
Speaker 2: bags and should.
Speaker 1: Be real that lady bought all her.
Speaker 2: Bags from the goddamn the Atlanta like flea market, all
Speaker 2: of them.
Speaker 3: Yeah. There was this football player that I was talking
Speaker 3: to many years ago that y'all know. I ain't gonna
Speaker 3: say his name, but he was talking about how he
Speaker 3: gets all his ear rings from Claeres because people going
Speaker 3: to just assume his diamonds is real, ea, because of
Speaker 3: who he is and what he do.
Speaker 1: Yeah, once your reputation precedes you, Like.
Speaker 3: I was like, I can go to Claires myself, Baby,
Speaker 3: you ain't gotta go.
Speaker 2: That's a smart man. And I bet you he still
Speaker 2: has his You said NFL.
Speaker 1: He's still got his NFL money.
Speaker 4: He's probably. Yeah, he's still very successful. Man.
Speaker 2: You gotta be frugal even when you have the money
Speaker 2: It's still weird to me, Like when celebrities do like
Speaker 2: frugal things online and regular people be like, ah, like
Speaker 2: you can't afford no, bitch.
Speaker 1: You don't notice signs of business. You don't know nothing
Speaker 1: about money.
Speaker 2: If you think you're just supposed to spend it because
Speaker 2: you have it, the more money you have, the more
Speaker 2: people you also taken care of as well.
Speaker 4: That's true.
Speaker 2: So instead of buying a bag, I'm definitely buying some stocks. Okay,
Speaker 2: the stock market. I'm waiting for it to crash. It's
Speaker 2: like a buy the dip on all the shit.
Speaker 1: I'm mad at myself right now.
Speaker 2: I didn't get into the video, like motherfuckers really became
Speaker 2: millionaires off the video in the last twelve months if
Speaker 2: you would have been things properly.
Speaker 3: My in like twenty thirteen, my ex boyfriend was like
Speaker 3: by bitcoin with me, and I was like, what is there?
Speaker 3: I can't wrap my head around it. I don't want
Speaker 3: none of that. It just sounds like something that And Lord,
Speaker 3: I kicked myself and ask every day thinking about how
Speaker 3: much bitcoin he had when we broke up.
Speaker 4: I think he had like at.
Speaker 3: Least ten bitcoin. Wow, because it was so cheap back
Speaker 3: then so now, yeah, yeah, he up. You if he
Speaker 3: held onto it, he's definitely up. So kudos to you
Speaker 3: for being smart with it.
Speaker 4: You know.
Speaker 2: Well, I'm not a financial advisor, but I would suggest
Speaker 2: people to research XRP ripple.
Speaker 1: That's a that's a cryptocurrency.
Speaker 2: And this is the coin that the financial institutions Bank
Speaker 2: of America, JP, Morgan, and Chase. This is a cryptocurrency
Speaker 2: that they are looking to have, right because the thing
Speaker 2: with crypto is because the thing with crypto is that
Speaker 2: it's not thing that the government, our government can really
Speaker 2: control in a way, you know, So they're trying to
Speaker 2: find ways to regulate cryptocurrency, and when they do, XRP
Speaker 2: is gonna be that thing. XRP is only yes, ripple, XRP.
Speaker 2: I'm trying to pull it up to tell y'all how
Speaker 2: much it costs today. It's only since right now, i'd
Speaker 2: buy as much as you could research it first. Don't
Speaker 2: take my advice, you know, just look it up. It's
Speaker 2: forty three cents today.
Speaker 4: So I'm gonna go buy me a dollar's worth.
Speaker 1: Two forty three cents, y'all.
Speaker 3: Just buy me to and forget about it and see
Speaker 3: what it turned into in a couple of years.
Speaker 1: See what happened. See what happened?
Speaker 3: So uh, timemagazine Time dot Com put out a list
Speaker 3: of ways to combat inflation as an individual, and honestly,
Speaker 3: I feel like they don't really know what the fuck
Speaker 3: to do the whole I'm gonna share this list with y'all,
Speaker 3: but it says first, review your budget, which is basically
Speaker 3: what we were saying, like, analyze what you have and analyze.
Speaker 4: What you spend.
Speaker 3: Obviously, I still feel like it's important to save, you know,
Speaker 3: even if it's just a little bit, you know, try
Speaker 3: to say that, you know when you're So it says analyze.
Speaker 4: If you don't have a budget, it's time to create one.
Speaker 3: So ladies and gentlemen, look at your money and really
Speaker 3: sit down and analyze that shit and see where it's
Speaker 3: going becuz you spend it too much on door dash. Bitch,
Speaker 3: I know it's somebody listening, Like, damn she talking to me. Yes, bitch,
Speaker 3: I'm talking to you.
Speaker 1: Stein.
Speaker 2: I was talking to your ass earlier this year about
Speaker 2: that goddamn door dash. I saw there was a post
Speaker 2: on Instagram and it said name something that people do
Speaker 2: that you would never do with some shit like that,
Speaker 2: and I said uber eats door Dash and paying for dick.
Speaker 1: Like I'm going to get my own food. I don't
Speaker 1: want nobody.
Speaker 2: It's bad enough if somebody else is cooking it, right,
Speaker 2: you know how I am about food. Now I gotta
Speaker 2: depend on this person driving my shit to my fucking house.
Speaker 4: It's so convenient.
Speaker 3: It's so convenient.
Speaker 1: I understand why y'all like it much. It's too much much.
Speaker 2: And they've created a battle between the drivers and the
Speaker 2: goddamn customers about tipping and stuff like that, and y'all
Speaker 2: not even they're not even paying the drivers that much
Speaker 2: to deliver this shit.
Speaker 3: Yeah, they getting most of it. I mean, the merchant
Speaker 3: gets a lot of it, and then that the fee
Speaker 3: they get a lot, they get a higher percentage, seems like,
Speaker 3: so that's not fair. But I knew I had I
Speaker 3: was doing too much when I had an issue with
Speaker 3: my meal. So I called door Dash and they was like,
Speaker 3: as one of our vi ps, we're gonna connect you
Speaker 3: to a different line vi P.
Speaker 4: I'm spending too much with y'all.
Speaker 3: I spending too much money with your motherfuckers. I'm a
Speaker 3: VIP at door Dash, So that's what I changed my life.
Speaker 1: I was like, you know what off your VIP bitch?
Speaker 2: I seen another post that said am I the DoorDash
Speaker 2: person must have messaged the guy was like, can you
Speaker 2: meet me downstairs at the gate?
Speaker 1: And he was like, is this uh at the gate?
Speaker 3: Right?
Speaker 1: I remember I got into it with a door dash bitch.
Speaker 3: I was the car.
Speaker 1: What the car?
Speaker 3: Bring your big back downstairs and get your own lunchable, bitch.
Speaker 3: I was like, you little roach.
Speaker 4: She looked like a roach.
Speaker 3: All right now for they get you like Cardi B.
Speaker 3: Because roaches. I'm just that was bad at Cardi B
Speaker 3: because she's you know, I'm real black girl. That girl
Speaker 3: looked like she had two pieces of hair that looked
Speaker 3: like they were standing up like some fucking antennamach.
Speaker 1: Gonna call me, big bag bitch, bring my ship to
Speaker 1: my door?
Speaker 2: Right.
Speaker 3: Number two on the list diversify your income. So it
Speaker 3: says when inflation is high, finding ways to cut and
Speaker 3: save is important, but so is increasing your income. Diversifying
Speaker 3: your income to include a side hustle, a part time
Speaker 3: job can help you keep up with rising calls.
Speaker 1: They're just trying to find ways for people not to live.
Speaker 2: Because what I'm hearing is have a full time job
Speaker 2: plus get a part time job, and what does that
Speaker 2: do for the quality of life?
Speaker 1: Right?
Speaker 4: Like, be a whit.
Speaker 1: Shit is fucking free. This earth is free.
Speaker 2: I understand we have to pay people to manufacture shit,
Speaker 2: to create things, but some of the shit we be
Speaker 2: paying for water, electricity. If those things were free tomorrow,
Speaker 2: the world would be totally different. And that's why they'll
Speaker 2: never let us know that energy is fucking really free.
Speaker 4: It's all around.
Speaker 1: Us Wi Fi.
Speaker 2: That's not new technology. That shit has been around, like
Speaker 2: all these things that we pay for. The cell phone
Speaker 2: fucking bill. Why the fuck is my cell phone bill going?
Speaker 2: Myself bill has went up forty fucking dollars in the
Speaker 2: last year, from a ninety ninety nine dollars to one phone.
Speaker 1: To me, it's already expensive. My shit has went up
Speaker 1: one hundred, one hundred and forty dollars. Verizon.
Speaker 2: Okay, I've been a customer since my freshman year at
Speaker 2: fucking college.
Speaker 1: Okay, man, let me say you.
Speaker 3: I call them people, I call uh Spectrum in Verizon
Speaker 3: and I and I complain every bill cycle, like I
Speaker 3: need to speak to somebody before I pay. I'm gonna
Speaker 3: pay it, but I gotta talk shit to somebody before
Speaker 3: I do every every bill cycle. Why is it this much? Well, ma'am,
Speaker 3: you didn't pay for Jude.
Speaker 1: Oh okay, I actually all that.
Speaker 3: Make it makes sense because I don't understand why it's
Speaker 3: too sick.
Speaker 1: Why was it so much last month that I didn't
Speaker 1: get it? Girl? Life is stressful?
Speaker 2: Like listen, that's one thing about like on the islands
Speaker 2: and stuff like that.
Speaker 1: These people be chilling. They have their little small businesses.
Speaker 2: They live, you know, simple lives, but I'm pretty sure
Speaker 2: they're happier. It's such a rat race in America. It's like, yeah,
Speaker 2: I'm tired of and I guess I haven't really been
Speaker 2: in the rat race per se. Since I got laid
Speaker 2: off from work in twenty seventeen. I've been figuring it
Speaker 2: the fuck out because I want my life. That's how
Speaker 2: bad I want my life. Like, I'm gonna figure out
Speaker 2: a way to get money as opposed to having to
Speaker 2: exchange my time for the rest of my life.
Speaker 1: That's not living.
Speaker 3: Yeah, yeah, I'm I'm looking for someone to come in
Speaker 3: and just say, be a stay at home mom or
Speaker 3: just be a stay at home.
Speaker 1: God, what you have done?
Speaker 4: For others, see fear for me, layd at mercy Man.
Speaker 1: That's a job.
Speaker 2: Like I have a friend who has kids, stay at
Speaker 2: home mom, but she wakes up when her husband wakes up,
Speaker 2: and she's on all day long, and so he goes
Speaker 2: to science.
Speaker 1: So yeah, he makes the money. But I'm not.
Speaker 4: It's not it's not care free. I didn't say it was.
Speaker 3: Now, some people do live a care free where they
Speaker 3: got nannies.
Speaker 4: And maids and and they don't have to work. That's
Speaker 4: what I aspired to you.
Speaker 2: You got a nanny, You still want to care about
Speaker 2: your kids. You want them to not just the nanny, right.
Speaker 3: I don't want them to cry and run to the nanny.
Speaker 3: That would make me say, like, where your ass here,
Speaker 3: a little.
Speaker 1: Nigga, But you gotta learn my mom. I wasn't queen ee.
Speaker 3: No all right, but no, listen. One of my best friends,
Speaker 3: she's a stay at home mom of two toddlers, and
Speaker 3: I see that bitch with a broom in her hand
Speaker 3: every single day on FaceTime. I'd be like, bitch, you
Speaker 3: one thing I'm gonna see for sure if I don't
Speaker 3: see nothing else, is you attached to a broom every
Speaker 3: day She's like, if I did not sweep at least
Speaker 3: three times a day, this floor would look crazy.
Speaker 4: With these toddlers.
Speaker 3: We took them to the movies the other day.
Speaker 4: Baby, they took me through it, Honey.
Speaker 3: That the little one, little one is not She's like,
Speaker 3: you're scared of him.
Speaker 1: I was like, yes, just got your ass shook all right.
Speaker 3: Number three pay down high interest in no, so thanks, tim, bitch.
Speaker 2: I stopped paying my credit card. I stopped paying it.
Speaker 2: I'm gonna figure it out, Yes I did, y'all. Listen,
Speaker 2: I stopped king at credit card with a very high
Speaker 2: interest rate.
Speaker 1: Know how to fix credit debt? I'm know how to
Speaker 1: fix debt.
Speaker 3: Right.
Speaker 2: So we live in an economy, we live in a
Speaker 2: in a country, right, everybody's in debt, even the fucking country.
Speaker 2: So at one point, do you think the citizens of
Speaker 2: that country aren't going to have some form of debt
Speaker 2: like that actually makes money? Mm hmm, y'all ain't making
Speaker 2: them more money off my motherfucking debt.
Speaker 1: Y'all can have that ship. I'll figure it out. On
Speaker 1: the back end.
Speaker 2: One of my credit cards, the interust Rate, I kept calling, Hey,
Speaker 2: y'all think y'all can Lord this interest rate, they wouldn't
Speaker 2: and that's that's an option you can call and ask
Speaker 2: for a lower indust rate so you can be in
Speaker 2: a position to try to pay some ship off and
Speaker 2: when the creditors.
Speaker 1: Aren't trying to work with you, when they they too
Speaker 1: are in debt. Boyuck boyfuck you.
Speaker 3: Well, if y'all don't want to go a j rowl,
Speaker 3: let me tell y'all were it says? Uh? Thanks inflation,
Speaker 3: there is less money available to spend on everything, including
Speaker 3: debt repayment. Aggressively paying off high interest debt, including personal loans,
Speaker 3: payday loans, and credit cards can help free up cash
Speaker 3: to spend on other items. If you have a good
Speaker 3: or excellent credit, you can also consider transferring your high
Speaker 3: interest rate debt to a zero percent balance transfer credit card.
Speaker 3: If you're able to pay off your balances before the
Speaker 3: end of the introductory rate, which is off just six
Speaker 3: to eighteen months, this can help you save a lot
Speaker 3: of interest. Before committing to a balanced transfer credit card,
Speaker 3: make sure you understand the terms and if there is
Speaker 3: a transfer fee or annual fee involved. So, I mean
Speaker 3: that's an option you guys to like.
Speaker 2: That is not an option, that's not a real option.
Speaker 2: Paying off debt to free up money is not a
Speaker 2: real thing. You're not gonna have that money back. You're
Speaker 2: not gonna have no but you'll want to have that debt.
Speaker 2: Fuck that debt. Okay, fuck that debt, y'all. Tell y'all,
Speaker 2: y'all gonna.
Speaker 1: Have no house. Fucking Look my credit score good? Okay,
Speaker 1: Like I said, fuck that debt. Y'all want some pointers,
Speaker 1: hit me up.
Speaker 2: No, don't really, don't hit me up because one thing
Speaker 2: I don't like is customer service with niggas. I hate
Speaker 2: trying to show a nigga to do some shit, and
Speaker 2: you've been like not really liking black people.
Speaker 3: Five. Open a high yield savings account. Thanks to inflation,
Speaker 3: if you aren't earning interest on your savings, you are
Speaker 3: losing money. A high yel savings account is a savings
Speaker 3: account that offers a high rate of return than the
Speaker 3: average saving account. Online banks can often offer an even
Speaker 3: better interest rate than traditional banks since they don't have
Speaker 3: to pay expensive overhead costs. A high yield savings account
Speaker 3: is a great place to store your short turn short
Speaker 3: to medium turn savings, such as your emergency punk.
Speaker 2: Listen, they are asking people to save money that they're
Speaker 2: not fucking making the average rent right now, okay, because
Speaker 2: they're almost making home ownership just so far away from
Speaker 2: most people. The average rent is twenty five hundred dollars
Speaker 2: for a one bedroom. It's like fifteen hundred dollars, right,
Speaker 2: This is the average rent across the country. People do
Speaker 2: not have money to save in that way unless you
Speaker 2: already had money accumulated. I think millennials are going to
Speaker 2: be probably fucked up the most because we're not getting
Speaker 2: our pseudo loans forgiven all right, right, so.
Speaker 3: So hardly might not exist by the time we.
Speaker 2: Get exactly like we have always been the generation to
Speaker 2: feel all a bullshit. Okay, I don't see anybody who
Speaker 2: has children, who has a mortgage and all that, who
Speaker 2: actually has money to save and put in a hide
Speaker 2: a high yield interest. And what you're saying essentially is
Speaker 2: give your money to the banks to also use your shit,
Speaker 2: use your money to invest in shit, and possibly lose
Speaker 2: your money because when the markets crashed that money that
Speaker 2: you've now put in the bank, you no longer have
Speaker 2: that money. Y'all saw that in California last yon time,
Speaker 2: where a credit union shut down and the and the
Speaker 2: members came for their money and they couldn't get it.
Speaker 3: It was like get it back in blood.
Speaker 2: But why would I pay this fucking credit card? Get
Speaker 2: it back of blood?
Speaker 4: I think.
Speaker 3: I think it's also it's important to have an emergency fund.
Speaker 3: If you can squeeze, you know, any ounce of money
Speaker 3: out to put in a how You'll savings account, so
Speaker 3: you can have an emergency fund. It's better than a
Speaker 3: regular one, you know. I mean, that's just an option
Speaker 3: if you can. If you can't afford it, I would,
Speaker 3: just because you never know when some bullshit gonna happen.
Speaker 3: In you got a bag, but you ain't got nothing,
Speaker 3: no money, you know, like you don't bought it, Like
Speaker 3: I'm saying, you bought a designer bag instead of saving
Speaker 3: for an emergency. And now you're out here with a GoFundMe,
Speaker 3: which do work if people, if people fuck with you,
Speaker 3: they'll they'll support it. But I mean that may not
Speaker 3: always be the case. So have you an emergency stash
Speaker 3: or something in your drawer. Put a look, change in
Speaker 3: the drawer something, bitch.
Speaker 4: Don't just be out here with nothing.
Speaker 2: Holding on to Fiat currency is never going to be there.
Speaker 2: It's like holding on to paper money ended a mattress,
Speaker 2: like what happens when that currency no longer has value.
Speaker 1: So if anything, I would say, buy you some.
Speaker 2: I mean it's not long term investments are always going
Speaker 2: to be better than some short.
Speaker 4: Term just having it sitting, yeah, citting money in account.
Speaker 2: Like gold, but with the actual precious metals and stuff
Speaker 2: like that. If you going to invest in anything for real,
Speaker 2: for the future, it would be.
Speaker 1: That it would be that.
Speaker 4: Yeah, that's what that would be.
Speaker 3: If you have a couple couple of dollars, but you
Speaker 3: could get a high yel savings account with just a
Speaker 3: little bit of money and just start pouring into that, like,
Speaker 3: you know, just putting a couple of dollars in it
Speaker 3: every month at least.
Speaker 1: And what's the highest they want to give? What's the interest?
Speaker 2: Uh, let me look up a bank and see what
Speaker 2: is the current interest rate on a savings account in
Speaker 2: high Okay, go ahead, I'll come back in all right.
Speaker 3: While you're looking at up, I'm gonna go to the
Speaker 3: next one, which already discussed what y'all. It says create
Speaker 3: a meal plan. So that's what I did, and it
Speaker 3: really did drop my spending on food down to a
Speaker 3: fraction of what I had been spending, and it also
Speaker 3: dropped my weight down to a fraction of the size
Speaker 3: I was bit because, and you know obviously I didn't
Speaker 3: just eat like salads in factory meals. I will also
Speaker 3: get fruit in like sugar free chocolate and shit talking about.
Speaker 1: The price of fruit and vegetables for them to be good.
Speaker 2: Once you buying like I'm sick of buying nasty ass mangos.
Speaker 2: I'm sick of buying nasty as apples like the fruit
Speaker 2: they say they just I'm gonna start returning shit. When
Speaker 2: I tell you, my mama will return your ass to
Speaker 2: the grocery store.
Speaker 1: She needed to me too.
Speaker 3: I am one. I will come in there with a
Speaker 3: banana open. Excuse me, this banana ain't right. I would
Speaker 3: like another. I really that girl. If I cut into
Speaker 3: it and it ain't right, I'm going to take it back.
Speaker 4: I don't get one peach. Hi, good morning.
Speaker 3: I bought this peach yesterday. I bought this peach four
Speaker 3: days ago, and look.
Speaker 4: At it now.
Speaker 2: I need my gas money back for having to come
Speaker 2: drive back over here. I also need that back now.
Speaker 2: One thing Harry Theater does like they have a guarantee
Speaker 2: fresh seafood policy. So if you buy some seafood from
Speaker 2: and it's bad, like, they give you back double your money.
Speaker 1: I like that.
Speaker 2: Yes, yeah, me too, because me buying like a whole
Speaker 2: twenty dollars fucking red snapper and get home and the
Speaker 2: shit is fucking bad, I gotta now drive back to
Speaker 2: your establishment to return it.
Speaker 1: You just gonna get me back the same money.
Speaker 2: No, not just high as inflation, right, I like that too.
Speaker 4: Another thing that says is batch errands.
Speaker 3: So with the price of gas, commuting or running multiple
Speaker 3: errands in a week can get expensive. Rather than driving
Speaker 3: back and forth to the store whenever you need something,
Speaker 3: try batching your errands so you can accomplish all of
Speaker 3: them in one trip. I mean, I guess that makes
Speaker 3: sense because some people go to the grocery store and
Speaker 3: get one.
Speaker 4: Meal every day.
Speaker 1: Yeah that's me especially, Yeah, for real, I do whatever.
Speaker 2: I'm a cook, I tend to go to the grocery
Speaker 2: store to get it for that day.
Speaker 1: I don't really like story. I'm freezing stuff.
Speaker 3: You know, But you can save on gas if you
Speaker 3: just bought a bunch of shit at one time, at
Speaker 3: least three days worth, Okay, and this one says investing
Speaker 3: tips Treasury inflation protected securities is a government security designed
Speaker 3: to help.
Speaker 4: Protect you against inflation.
Speaker 3: What seys TIPS apart from other government rent securities is
Speaker 3: that the principle is not fixed. Instead, it can go
Speaker 3: up and down with inflation, as measured by the Consumer
Speaker 3: Price Indets CPI. When inflation rises, you can benefit from
Speaker 3: higher income payments. Tips can come in terms of five, ten,
Speaker 3: or thirty years. At maturity, you either get the higher
Speaker 3: justice principle or the original value. So the benefit is
Speaker 3: you never risk losing your initial principal investment. I've never
Speaker 3: heard of that.
Speaker 1: I'm gonna have to look into that.
Speaker 4: Yeah, so y'all look up tips.
Speaker 3: And then lastly it says speak to a financial advisor,
Speaker 3: get your someone who can help you manage your money.
Speaker 3: But you got to pay, yeah, like we got to
Speaker 3: pay them to So I mean that's if you can
Speaker 3: afford to, you know, pay somebody to.
Speaker 4: Help you with your money.
Speaker 3: But there are people out there who don't cost as
Speaker 3: much that can do it. You know, you can find
Speaker 3: someone who can help if you can.
Speaker 2: If it's in the budget YouTube university, figure it out yourself.
Speaker 2: Like at this point, like you're going to have to
Speaker 2: eliminate some of your bills, right, So getting a financial advisor,
Speaker 2: that's not really it's a good thing, right, but most
Speaker 2: people they can't afford a financial advisor. Not a real
Speaker 2: good per you know. And if you're not making a
Speaker 2: certain amount of money, like what are you really advising
Speaker 2: advising for?
Speaker 3: Like put that fifty cent over there and put another
Speaker 3: dollar on that side.
Speaker 1: Yeah, I don't know.
Speaker 2: It's rough out here, but just these are just some
Speaker 2: like online banks, online savings. So I'm seeing like rates
Speaker 2: of five point three percent, five point two five percent
Speaker 2: on high interest yield savings accounts.
Speaker 1: That's not a lot of money.
Speaker 2: Depend depending on how much money you're actually putting into
Speaker 2: this state into the savings account.
Speaker 1: It's really not a lot of money. Now, I'm gonna
Speaker 1: tell y'all.
Speaker 2: So my options, I have been trying to set a
Speaker 2: goal to make five hundred dollars a day on options.
Speaker 2: Now I'm gonna tell y'all, it could be one day
Speaker 2: I might lose fifteen Okay, but I have been making
Speaker 2: that goal for the last couple of months. Okay, I've
Speaker 2: lost yeah, but I've lost some money. But it's not
Speaker 2: like my initial investment that I've lost. Right that to me,
Speaker 2: you don't got a higher paying job than options. That
Speaker 2: is the highest paying job that you could fucking have,
Speaker 2: right if you can figure out a low routine. So
Speaker 2: this is just the one little tidbit if you're interested
Speaker 2: in options. The thing I've been doing for the last
Speaker 2: couple weeks, I've been getting in the S and P
Speaker 2: five hundred right at the end of the day, So
Speaker 2: add three, so this is thirty minutes a day basically.
Speaker 2: So right at like three o'clock, I start looking at
Speaker 2: the market, I start looking at S and P five hundred.
Speaker 2: You can buy option contracts cheaper on Thursdays and Fridays,
Speaker 2: that's one thing. And the market now allows you to
Speaker 2: trade fifteen minutes after the market opens and fifteen minutes
Speaker 2: after it closes when you buy same day contracts, and
Speaker 2: you can actually like if the if you think that
Speaker 2: S and P five hundred is going to keep going
Speaker 2: up after the market closes, you could double your fucking
Speaker 2: money so fast. But if it goes the opposite way,
Speaker 2: you could also lose it really fast. So I would
Speaker 2: suggest people to sign up for TD was not TD
Speaker 2: Ameritrade anymore.
Speaker 1: I'm td Ameritrade.
Speaker 2: It's not it's not. It's Charles Swab. Now for think
Speaker 2: a swim. Sign up for Think a swim and do
Speaker 2: some paper trade. And paper trading is like using fake money,
Speaker 2: so you can get acclimated and.
Speaker 1: Just try it first before you That's what I want
Speaker 1: to money.
Speaker 4: I want to learn, learn how to play with that girl.
Speaker 2: When I tell you there's something like I didnet cried
Speaker 2: one day, but then other days.
Speaker 3: I cry a lot of dollar days.
Speaker 1: So it's a.
Speaker 3: Buy some money instead of these niggas.
Speaker 2: Every day thirty minutes thirty minutes, the last thirty minutes
Speaker 2: of the day, you should be able to make a
Speaker 2: couple hundred dollars honestly.
Speaker 3: All right, well, maybe we need to sit down and
Speaker 3: you can teach me, or maybe you should do like
Speaker 3: a live and teach all us, bitch, because I got
Speaker 3: a good regulum.
Speaker 1: It's gonna cost you though, that's another investment.
Speaker 3: Listen, all right, well, do you have any last last
Speaker 3: for today?
Speaker 4: What's your last word?
Speaker 3: Oh?
Speaker 1: Last word?
Speaker 4: Couple up?
Speaker 2: Get you a nigga, Stop backing like you independent bitch. Alright,
Speaker 2: save a couple of dollars, Get you a fucking boyfriend. Girl,
Speaker 2: he might not be that cute.
Speaker 3: Get him, Get a boyfriend that can contribute, because.
Speaker 1: Right, don't get it negga who need help? Bit you
Speaker 1: need help?
Speaker 2: And this is not just for women, right this, this
Speaker 2: is for everybody whoever's listening.
Speaker 1: Couple up. That's one way to battle inflation. Right.
Speaker 2: Of course, saving money another thing. Call these credit card
Speaker 2: companies if you owe anybody any money. Everything in life
Speaker 2: is negotiable, negotiable everything. Call them see if you can
Speaker 2: get a lot of interest rate. If you don't have
Speaker 2: to take my way right to do some shit. But
Speaker 2: m h, if you don't have it, you don't have it.
Speaker 2: And it's not that I don't have it. Y'all can
Speaker 2: have it.
Speaker 3: My last last is stop spending on frivolous bullshit, trying
Speaker 3: to keep up with the joins is and trying to
Speaker 3: look a certain way or be validated by.
Speaker 1: Things social media.
Speaker 3: Don't let yeah, yeah, don't allow these things to validate
Speaker 3: you. Your worth is not aligned with how much stuff you got.
Speaker 3: How good are you as a person? Are you a
Speaker 3: good person? Are you healthy? Are your friends and family healthy?
Speaker 3: Are you making positive connections with people? That's where your
Speaker 3: value lies. You know not in the things that you have,
Speaker 3: So yeah, fuck that stuff and save your money and
Speaker 3: be kind and be good to people.
Speaker 4: That's my last last period.
Speaker 3: Okay, period period poof look.
Speaker 1: At us giving a little slight financial advice.
Speaker 2: All right, y'all listen if you enjoyed this episode, because
Speaker 2: these motherfuckers trying to put me ont this hotel. If
Speaker 2: you enjoyed this episode, y'all, tune in every Thursday on
Speaker 2: the Black Effect podcast. iHeartRadio apple Way, but though fuck
Speaker 2: you get your podcasts. That is your co host, aj
Speaker 2: Holiday two point oh haling all the way from Saint
Speaker 2: Martin Stratton on a motherfucker island. I probably should have
Speaker 2: got on tender livet sight and see what was popping.
Speaker 1: Anyway, what's up, tam Bam.
Speaker 3: You did right by keeping your ass off of there,
Speaker 3: crazy ass girl, y'all.
Speaker 4: It's official, tam Bam. I love y'all.
Speaker 3: Follow me on Instagram, seen us your dumb bitch stories.
Speaker 3: It's hide outside. I know y'all been doing some shit.
Speaker 3: It's it's seven pm, Friday, ninety five degrees. That's my
Speaker 3: favorite shit right now, y'all, that's my favorite shit.
Speaker 1: I love y'all.
Speaker 3: Remember speak now and never hold your peace. Hold your
Speaker 3: money though period