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Speaker 1: Hey, hey, hey child.

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Speaker 2: Anyway, either way, I'm super happy broadcasting live from the

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Speaker 2: new house.

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Speaker 1: This is Tiffany.

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Speaker 3: Oh happy happy, happy new home.

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Speaker 1: I know right, I mean, she's and Rice? Is that

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Speaker 1: even how people say it? I love?

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Speaker 3: That's what I love saying she's and Rice.

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Speaker 2: I wun't say it often enough, But no, it feels

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Speaker 2: so good, Like I was saying earlier, You've been like,

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Speaker 2: it feels like why I don't even miss that old place.

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Speaker 1: I'm like, what old thing? I feel like, you know,

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Speaker 1: breaking up with like a.

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Speaker 2: Bad boyfriend and I'm like, I totally move on with

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Speaker 2: this new guy. And then you guy's amazing.

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Speaker 1: You're out the halfway hood exactly. Isn't that crazy? I

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Speaker 1: don't live in that halfway good anymore?

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Speaker 3: But I am sad for the children that you always

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Speaker 3: talk about. Superman provides pizza for and juice boxes. What

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Speaker 3: are they gonna do?

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Speaker 1: I know?

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Speaker 2: But honestly, like whe where he works is right next

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Speaker 2: to it. So I was like, I have to go

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Speaker 2: visit my babe.

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Speaker 1: Minnie.

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Speaker 2: She's like the a perpetual four year old. I'm like, Minnie,

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Speaker 2: are you four?

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Speaker 1: She's like I'm seven. I'm like, Minnie, do you grow.

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Speaker 1: She's like no, and so yeah, I do. I am

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Speaker 1: going to miss them.

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Speaker 2: Actually, I think I am gonna, like, you know, go

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Speaker 2: by and visit because that that is the the you know,

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Speaker 2: the one sad things that I miss, like all the

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Speaker 2: all the little babies around there.

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Speaker 1: And and it's cute because my my sister.

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Speaker 2: When she drops off her my niece and my nephew

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Speaker 2: to just like meet a babysit, they love coming.

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Speaker 1: They call it. My nagery name is otto, so they

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Speaker 1: call it Auntie Eddo's house.

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Speaker 2: They're like, I you know, they know that there's like

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Speaker 2: a playground in the back and the kids always have

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Speaker 2: a sprinkler going on. So last time she brought them here,

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Speaker 2: they were like, where is this place? This is not

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Speaker 2: this is not Auntie Eddol's playground. So they were highly

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Speaker 2: disappointed at my new house.

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Speaker 3: Kids are so suspicious of new locations.

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Speaker 1: They were like, this is cute or whatever. Where are

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Speaker 1: the kids?

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Speaker 3: Yeah, we're hosting a barbecue for the fourth of July.

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Speaker 3: And the first thing I've I've learned since all my

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Speaker 3: friends have had kids is that keep the kids entertained.

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Speaker 3: Like before I bought food or anything else, I was

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Speaker 3: like we need a kidie pool. We need some water guns, uh,

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Speaker 3: the kind that parents don't have to run and refill

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Speaker 3: every five seconds because that drives them crazy. I've seen

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Speaker 3: that happen. No fucking bubbles. Excuse me, sorry, that's how

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Speaker 3: I feel about bubbles.

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Speaker 1: I have seen.

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Speaker 3: Yes, it's like, no, there's never a kid not crying

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Speaker 3: at the end when you bring out bubbles, because you know,

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Speaker 3: we have smaller kids on the we're on the smaller

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Speaker 3: side and my friend group and like they want they know,

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Speaker 3: they want to hold it themselves, but they're going to

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Speaker 3: tip it over. The bubbles are going to be over

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Speaker 3: within two minutes. Yeah, and then they're going to be screaming.

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Speaker 2: Because they're like I can't unless you get which I

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Speaker 2: did get from my my nephew wants.

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Speaker 1: It was like a bubble I got offrom like Amazon.

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Speaker 2: It's literally like the bubble thing like rotates like a

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Speaker 2: windmill and then there's like a little fan behind it.

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Speaker 2: It's like you know, like six bucks or something. Yeah,

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Speaker 2: and it blows bubbles for you.

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Speaker 1: So there's there's that.

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Speaker 3: Those are clutch, but they only distract for so long.

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Speaker 1: You know. I put them up high and I let

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Speaker 1: them go crazy. I don't know what it is about

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Speaker 1: kids and dogs.

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Speaker 3: They love bubbles, they do, but I decided no bubble

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Speaker 3: wars at my party, just water wars and some like

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Speaker 3: little yeah kiddy things. So I'm excited for that. We

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Speaker 3: had like a we had like what do you call it,

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Speaker 3: a stress test this past weekend where Enrique, my husband's mom,

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Speaker 3: was supposed to come with a couple of aunties and

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Speaker 3: I should have known better. A couple of aunties turned

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Speaker 3: into like fifteen sixteen, seventeen eighteen, a couple of hounds entire, yes,

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Speaker 3: the entire inwood in the Bronx came to my backyard.

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Speaker 3: I was just like, oh, who else is coming? Okay, cool,

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Speaker 3: that's great, glad we have enough hamburgers and hot dogs.

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Speaker 3: But yeah, it's that's it's summertime. When you got a house,

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Speaker 3: what are you going to do?

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Speaker 2: I know that was cool because it was I think

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Speaker 2: it was like the next day after we moved in,

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Speaker 2: it was like my sister came with the kids and

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Speaker 2: I was like okay, and then like my.

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Speaker 1: Doorball rings, it was like my frand Carol.

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Speaker 2: I was like, oh hey, okay, and then like an

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Speaker 2: hour after that, Drina came by.

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Speaker 1: I was like hey, and then Drina bought her baby.

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Speaker 1: Well he's four, but still his baby, and.

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Speaker 2: Then Drina's husband came and then our neighbor. It was

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Speaker 2: like literally from ten am to ten pm because I

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Speaker 2: was like, Oh, I have all these plans this Saturday,

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Speaker 2: I'm going to do all the unpacking.

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Speaker 1: I did nothing.

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Speaker 2: I ended up getting pizza and like I was like,

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Speaker 2: oh my gosh, Like but it was so nice because

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Speaker 2: we had not had that many people over and like,

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Speaker 2: you know, because our apartment was so little, so it

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Speaker 2: really couldn't bear like all of those people, you know,

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Speaker 2: But so it was just nice. I mean it feels

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Speaker 2: like home already, well homish because like we still have

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Speaker 2: to get basically everything. We put together our bed that night,

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Speaker 2: which was like I actually really love this bed. But

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Speaker 2: when you're tired from moving, you're like to get the

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Speaker 2: Allen key so you can put up a headboard.

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Speaker 1: You're like, oh, just shoot me.

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Speaker 3: But I'll never forget the p because when you put

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Speaker 3: together a whole house, like did you guys get brand

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Speaker 3: new everything? Like just the value yep, the boxes, Tiffany, Yeah,

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Speaker 3: the like we our whole backyard was like covered in

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Speaker 3: boxes and packaging, and I felt like we had to

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Speaker 3: hire a dump like a special junk company to come

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Speaker 3: take away our crap because just like the number of packages,

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Speaker 3: like it was crazy. My hands, like your hands don't

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Speaker 3: feel the same for like a week. From all that,

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Speaker 3: it's just untaping and like screwing gas.

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Speaker 1: Yeah, and then just using new things. And I was like, okay,

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Speaker 1: I've never used this up in before.

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Speaker 2: So you know, you don't realize how used to you

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Speaker 2: you are to your stuff. So I'm like using the dishwasher,

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Speaker 2: like what am I doing wrong? And I'm like, oh,

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Speaker 2: I'm like where's the manual? Then I'm like, you know what,

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Speaker 2: where's the YouTube video? Because these days, who wants to

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Speaker 2: read a manual? So thank god for YouTube. That's like

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Speaker 2: a little pro tip that like if you're using your

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Speaker 2: appliances and stuff for the first time and you're like,

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Speaker 2: like you don't understand.

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Speaker 1: I was.

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Speaker 2: I was like on the phone with like like on

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Speaker 2: on hold, waiting for Best Buy so I could bust

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Speaker 2: and be like my hood is not working. And I meanwhile,

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Speaker 2: then as I was like waiting, I watched the YouTube video.

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Speaker 2: I was like, you pressed the wrong button. I was like,

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Speaker 2: let me hang out.

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Speaker 3: Yeah, I'm boss. Bless the people who take their time

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Speaker 3: to walk you through how to use the knobs on

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Speaker 3: all the appliances. I don't know who they are or

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Speaker 3: how they make money, but bless them.

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Speaker 1: Why not all heroes were capes? Well? What else is

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Speaker 1: going on in the world? And pains?

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Speaker 2: Oh?

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Speaker 3: You know, that's all I got. I'll get to my brow.

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Speaker 3: You can just hear that the tone of my voice.

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Speaker 3: I'm gonna have a brown break for later. But no,

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Speaker 3: things are good. I think summertime is hitting generally the workforce.

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Speaker 3: I work with a lot of We have a staff,

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Speaker 3: but we also rely on contractors and freelancers a lot.

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Speaker 3: And every summer they start to slip and the work

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Speaker 3: gets a little bit worse and they stop. This isn't

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Speaker 3: my break, but I'm just you know, I have multiple

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Speaker 3: breaks today. Yeah, So that's what I've been dealing with,

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Speaker 3: is like the free and it's not just at work either,

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Speaker 3: freelancers And I understand because your freelancer, your time is

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Speaker 3: your own. You know, we're not your boss ultimately, so

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Speaker 3: you can start to slip if you want. It's a

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Speaker 3: bad way to keep clients, I would say, but it

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Speaker 3: happens like clockwork every summer, every Christmas holiday time. But

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Speaker 3: I've noticed, like with our dog walkers. I've been using

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Speaker 3: the dog walking app Wag. I've talked about it before,

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Speaker 3: and I cannot keep a dog walker, like they just

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Speaker 3: canceled all the time. Today I had to run home

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Speaker 3: because the one dog walker just didn't show up at all.

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Speaker 3: And usually they're quick about finding a replacement, like a

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Speaker 3: sub but then that one didn't show up. And then

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Speaker 3: my poor dog and I was in meetings back to

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Speaker 3: back and it wasn't until four o'clock when I was like,

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Speaker 3: I haven't gotten my Wag alert, where is Mollie? And

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Speaker 3: poor baby was in her room all day? And I

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Speaker 3: felt so guilty. And I know, like my friends who

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Speaker 3: leave their dogs at home all day are like, what

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Speaker 3: stop beating yourself up? Like we leave our dogs at

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Speaker 3: home for twelve hours. But I just I just feel

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Speaker 3: so bad. You know, I really want to give her

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Speaker 3: the life she deserves.

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Speaker 2: So it is it like so when you lead them

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Speaker 2: home right so they know, like Molly knows not to

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Speaker 2: go in the house.

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Speaker 1: So she's just holding it. That is that the issue?

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Speaker 3: Well, today, of course she pete because she was alone

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Speaker 3: for way too long, and she's so used. She's almost

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Speaker 3: like a toddler. You know, she's on a schedule. I

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Speaker 3: p a two outside, but there was no two pm

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Speaker 3: dog walker today. I don't know how long she held it.

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Speaker 3: I haven't watched the tapes back, but she I know

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Speaker 3: she held it all day and at least she didn't

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Speaker 3: go number two.

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Speaker 1: It's fine. I just felt so bad.

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Speaker 3: I was like, I know you had to go my Okay,

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Speaker 3: I'm not gonna do my ca but.

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Speaker 1: Mean while moll is like I did go and I'm fine.

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Speaker 3: I know she's like, give me a treats. So I

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Speaker 3: made sure I gave her the good the good kibbles.

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Speaker 3: And you know, I'm just being ridiculous. But you know,

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Speaker 3: it's hard even just being a dog parent. It's uh,

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Speaker 3: you know, it's hard times.

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Speaker 1: Yeah, no, it's yeah. I can't imagine.

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Speaker 2: Honestly, I had a cat, but I'm like, I just

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Speaker 2: can't imagine, Like I feel like cats are so independent.

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Speaker 2: I bear did anything. So I can't even imagine like

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Speaker 2: the level of because I see like my friends who

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Speaker 2: have dogs. I had my friend Katherine was a cat person.

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Speaker 2: She had two cats and then like her sister one

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Speaker 2: year gifted her this cute little puppy for her birthday.

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Speaker 2: She was like, what, I don't even do dogs now.

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Speaker 2: She's like, I'm like, where are your cats? She's like who?

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Speaker 2: When I tell you, she's like, she has totally become

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Speaker 2: a dog person, and she's like, you know, she still

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Speaker 2: loves her cats, obviously, but she's like, like, she is

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Speaker 2: such a dog mom. She brings a dog to work

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Speaker 2: because she's the CEO of a company, so she brings

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Speaker 2: a dog to work.

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Speaker 1: Everybody knows the dog. All the pictures are dogs.

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Speaker 2: I'm like, when I'm on Instagram, I'm like, you are

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Speaker 2: such a neglect for mom. Where are the cat pictures?

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Speaker 2: Someone like that The cat is randomly in the background.

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Speaker 2: She's like, oh yeah, yeah, there he goes, And then

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Speaker 2: the dog with his best thought.

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Speaker 1: I'm like, you know what, I.

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Speaker 3: Just don't love you like a dog? Does you know?

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Speaker 3: I feel I did an interview yesterday with this like

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Speaker 3: radio show about this study that we do at Magnet Money.

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Speaker 3: I don't usually talk about it, or we do so

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Speaker 3: many studies. This was one of my favorite that we do.

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Speaker 3: It Magnify, and I figured y'all might find it interesting.

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Speaker 3: Since a lot of different media outlets are picking it up.

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Speaker 1: But every year.

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Speaker 3: A couple of years ago, I was like, anytime you

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Speaker 3: do a story, but people who earn six figures, just

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Speaker 3: something about six figures just sounds like success, right, I

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Speaker 3: want to earn six figures. And I was at a

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Speaker 3: point in my life a while back where I was

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Speaker 3: earning six figures, and I was like, I don't feel rich.

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Speaker 3: This doesn't feel like wealth. I still feel like I'm

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Speaker 3: paycheck to paycheck now. Granted, you know, I know people

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Speaker 3: who earn you know, less than that, and you know

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Speaker 3: are thinking, why are you whining? But in a dual

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Speaker 3: income household, it's not that far fetch to say you

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Speaker 3: earn six figures. All you need is to people earning

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Speaker 3: the minim you know, median household income in America, Yeah,

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Speaker 3: which is like fifty or fifty six or six, I

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Speaker 3: forget if it's fifty six to sixty thousand or something

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Speaker 3: like that. So we started looking at where a family

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Speaker 3: of three so two earner household with a preschool age

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Speaker 3: child in America, where you can earn six figures and

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Speaker 3: still feel like you're not making ends meet. And last

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Speaker 3: year we did the study this and I think Washington,

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Speaker 3: d C. Was the worst place where you had the

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Speaker 3: least money left over in your bank account each month,

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Speaker 3: or you were going into debt basically to provide like

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Speaker 3: normal basic household needs like daycare and your mortgage and

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Speaker 3: all that. This year, Washington, DC is number two. San Jose,

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Speaker 3: California is number one. Really yeah, California. I mean it's

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Speaker 3: not so surprising because you have a lot of like

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Speaker 3: West coast, we have San Francisco, San Jose, but then

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Speaker 3: the east coast, New York is number eight, and I

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Speaker 3: feel it Minneapolis that was actually surprising to me. Minneapol

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Speaker 3: number ten. Yeah, people only have in Minneapolis, a family

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Speaker 3: only has about one hundred and fifty bucks left over

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Speaker 3: when accounting for all those expenses. Yeah, so Honolulu coming

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Speaker 3: in at number six. It's you know, a lot of places,

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Speaker 3: and it's not just about the places where there's a

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Speaker 3: negative balance left over at the end of the month,

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Speaker 3: which was seven out of the metro areas we looked at,

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Speaker 3: but it's also just like the places where you have

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Speaker 3: one hundred dollars, two hundred dollars, three hundred dollars left

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Speaker 3: over in the bank, and you know that's when you

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Speaker 3: can feel like I'm doing everything right and there's just

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Speaker 3: not anything left over, you know, to invest or to

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Speaker 3: save or to save for a house or pay off

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Speaker 3: the debt and things like that.

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Speaker 1: That's the part that always is so disheartening for me

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Speaker 1: is that I see so many people who are doing

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Speaker 1: everything right, Like they're you know, they're not buying the latte,

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Speaker 1: you know, they're not or.

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Speaker 3: The Oto toasts, that's right, Like.

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Speaker 2: You know what I mean, They're not splurging, you know,

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Speaker 2: I mean, they're not living like you know what I

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Speaker 2: call the noodle budget, which is when you just eat

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Speaker 2: Gramma noodles. You know, they're not doing that, but you know,

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Speaker 2: but they're there, and and still it's really not enough.

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Speaker 2: They're like, so how am I supposed to manage and.

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Speaker 1: Do all of this? And honestly, I'm like, I don't know.

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Speaker 1: That's the part that you.

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Speaker 3: Know, honestly like that I was, I was talking, and

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Speaker 3: I'm like, at a certain point, like if you're living

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Speaker 3: in a place where the dollar like your dollars either,

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Speaker 3: you know, we can say things like try to earn

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Speaker 3: more money, try to increase your finances, but when you're

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Speaker 3: in a place where the cost living is so high

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Speaker 3: and it's constantly working against you, and you're not able

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Speaker 3: to earn a wage or like an income that makes you,

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Speaker 3: you know, feel comfortable. I think by all the time,

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Speaker 3: you know, if I weren't earning what I'm already now

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Speaker 3: in New York City, I don't know if I could

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Speaker 3: have sustained like a comfortable life here. And it's really

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Speaker 3: hard to do. Like there's people at my company because

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Speaker 3: our headquarters is in Charlotte, North Carolina, people willfully choosing

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Speaker 3: to leave New York to move down there because they're like, oh,

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Speaker 3: I have a chance to to you know, have you know,

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Speaker 3: lower childcare expenses, property taxes, you know those things that

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Speaker 3: really eat transportation costs even eat up like that big

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Speaker 3: part of your budget. And I see more of my

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Speaker 3: friends thinking about leaving New York because of that. How

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Speaker 3: can I start a family here?

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Speaker 2: Yeah, you're right, Like having a second kid is like

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Speaker 2: a or even just one is it seems like a

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Speaker 2: like a luxury because you're like, I mean, I don't,

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Speaker 2: I honestly as you you know, how like you don't.

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Speaker 2: It's not until you get older that you still you

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Speaker 2: start to really marvel at your parents because you're like,

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Speaker 2: how in the five my gi, I'm like, really, Arondie

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Speaker 2: and Sylvia five in New Jersey, I don't, honestly I do.

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Speaker 1: And my mom is like she's like everything, like she's like,

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Speaker 1: I don't know, like the way my dad even got

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Speaker 1: our house, yo.

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Speaker 2: One of the things like like I hope to like

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Speaker 2: if I could, if I could, if I could pray

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Speaker 2: and ask for anything, it would be like the tenacity

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Speaker 2: of my father because like like he wanted us. We

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Speaker 2: were living in Roselle. I think by then. I don't

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Speaker 2: know if Lisa was born here. I think she was,

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Speaker 2: but so.

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Speaker 1: But he realized, okay, like we were in a.

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Speaker 2: Private school, well Catholic school, which wasn't super super expensive,

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Speaker 2: but enough to be like, yo, there's too many girls here.

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Speaker 1: Somebody something has to give.

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Speaker 2: Either we spend the money on school because like in Rosella,

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Speaker 2: the public schools weren't that great, or we spend the

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Speaker 2: money on taxes. So my dad had done all this

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Speaker 2: research on like what you know what New Jersey towns had,

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Speaker 2: like the best public school, so he would just pay

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Speaker 2: the taxes found Westfield, which taxes are relatively high, but

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Speaker 2: the school system is extremely great, but to get our.

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Speaker 1: House, they didn't want like hit like what he and

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Speaker 1: my mom made.

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Speaker 2: My dad's in the count and our mom is a nurse,

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Speaker 2: I mean decent money, but they like he couldn't get

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Speaker 2: a mortgage anywhere. He finally had to show I don't

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Speaker 2: even know what made my dad think they think, think

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Speaker 2: of this, but we he was building a house in

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Speaker 2: Nigeria and it's a big, beautiful, huge house, and but

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Speaker 2: of course it doesn't it's like dwarfs in the like

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Speaker 2: for the price of what you could build in Nigeria.

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Speaker 2: Somehow he brought the plans and proof that he was

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Speaker 2: building the second property to the bank and from there,

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Speaker 2: I guess they kind of like were like, oh, well,

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Speaker 2: you have more money than we thought. I have to

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Speaker 2: ask my dad the exact story, but that's how he

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Speaker 2: was able to secure mortgage because he was able to

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Speaker 2: kind of prove like, although it seems like we don't

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Speaker 2: have a much, look we're building a second home, so

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Speaker 2: we do have money. And somehow whatever the mortgage loan

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Speaker 2: officer I don't even know the underwriter agreed and we

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Speaker 2: got our house in Westfield and now, like what they

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Speaker 2: got the house in Westfield for now seems like pennies.

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Speaker 2: At the time, he was like all of his friends

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Speaker 2: were like, Yo, you're bugging that house is way too expensive.

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Speaker 1: How are you going to manage?

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Speaker 2: It was two twenty five or two fifty, which like

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Speaker 2: for like it's five bedroom, three full back, two kitchens,

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Speaker 2: so you know, but back then it.

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Speaker 1: Was like they're over over thirty.

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Speaker 2: It was about thirty years ago, two fifty or two

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Speaker 2: twenty five. That was a lot of money to pay

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Speaker 2: for a house. And now, of course the house is

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Speaker 2: worth well over like because what sold such a great town,

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Speaker 2: it's worth about maybe seven and seven fifty, but just

378
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Speaker 2: a wherewithal to Like sometimes you know, you get a

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Speaker 2: know and you have to creatively show that you are

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Speaker 2: credit worthy and that my dad just you know, had

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Speaker 2: the wherewithal to be like, no, I'm going to show

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Speaker 2: them that I am credit worthy because I want my

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Speaker 2: kids to grow up and go to a really good

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Speaker 2: school system. But I know we cannot afford to send

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Speaker 2: them all to private school.

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Speaker 1: But yeah, five, I don't know when I.

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Speaker 2: Asked them, because like, I mean, it was six figures

388
00:17:10,920 --> 00:17:14,560
Speaker 2: coming into the house, yes, but six figures is paynuts

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Speaker 2: with five kids. It wasn't like they weren't making two

390
00:17:16,760 --> 00:17:19,760
Speaker 2: hundred thousand dollars a year collectively. I would say, you know,

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Speaker 2: like maybe I don't know, maybe one twenty, I don't

392
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Speaker 2: even know, but definitely not even close to two hundred thousand,

393
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Speaker 2: but five children years two years apart. So like and

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Speaker 2: except for the baby, So can you imagine all those

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Speaker 2: dag on teenagers hair clothes.

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Speaker 3: Thinking about the childcare? Like, because that's when you look

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Speaker 3: at our study. Like, let's take, for example, what's number one,

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Speaker 3: I said, San Jose, California. The mortgage payment in San Jose, Uh,

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Speaker 3: oh crap, where is it at? It's about twenty seven

400
00:17:48,000 --> 00:17:51,760
Speaker 3: hundred dollars. Childcare is about half that at thirteen hundred

401
00:17:51,800 --> 00:17:55,800
Speaker 3: dollars for one child. So like that's you know, half

402
00:17:55,800 --> 00:17:57,760
Speaker 3: your mortgage payment, and in some places that's like a

403
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Speaker 3: full mortgage payment. And when you have friend, when you

404
00:18:00,880 --> 00:18:02,919
Speaker 3: have more than one child, you're just at it. And

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Speaker 3: I know it's a temporary expense, but it's still like

406
00:18:05,280 --> 00:18:08,040
Speaker 3: three years about you know, where you're having to pay

407
00:18:08,080 --> 00:18:11,240
Speaker 3: that each month. And I think that is what can

408
00:18:11,320 --> 00:18:15,680
Speaker 3: really kill can really just kill families if they don't

409
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Speaker 3: have alternative childcare do you know what.

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Speaker 1: Your parents did? Did you guys?

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Speaker 3: Did you do like the newspaper nanny like my mom did.

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Speaker 3: She just found like some lady in the newspaper and

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Speaker 3: off one day when I was six years old.

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Speaker 1: Well, the lady used to I remember. We used to

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Speaker 1: have the lady.

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Speaker 2: I remember, I like when we were really little, which

417
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Speaker 2: is so crazy because we lived like in the damn

418
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Speaker 2: near projects. But but having a nanny is not a

419
00:18:38,400 --> 00:18:41,960
Speaker 2: big deal in certain cultures, like that's what we just

420
00:18:42,040 --> 00:18:43,399
Speaker 2: havep OneD. So we had a nanny while we were

421
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Speaker 2: like living in the project.

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Speaker 1: She used to come.

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Speaker 2: But I remember what I used to love about her

424
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Speaker 2: is that she let me put cheese on my broccoli,

425
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Speaker 2: And I thought that was everything because my mom was

426
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Speaker 2: super like like every like my mom was a nurse,

427
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Speaker 2: so everything we ate was like super bland sometimes and

428
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Speaker 2: I'd be like ugh, like so I was like, I

429
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Speaker 2: get cheese on my BROCLI would miss such as such

430
00:19:00,320 --> 00:19:03,480
Speaker 2: comes So from what I remember, we definitely were in

431
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Speaker 2: daycare because I see pictures, but we also had like

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Speaker 2: a nanny, you know, like kind of come to the house.

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Speaker 2: I guess to fill in the gap of like when

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Speaker 2: my mom left and my dad came back.

435
00:19:14,640 --> 00:19:16,920
Speaker 1: You know, But yeah, I don't. Honestly, I don't. I

436
00:19:17,280 --> 00:19:17,639
Speaker 1: don't know.

437
00:19:17,800 --> 00:19:19,720
Speaker 2: I honestly don't know how because I can remember going

438
00:19:20,119 --> 00:19:23,440
Speaker 2: school shopping and just the amount of money and bags

439
00:19:23,440 --> 00:19:25,800
Speaker 2: we had, and just food shopping. My mom used to

440
00:19:25,800 --> 00:19:28,320
Speaker 2: have to hit specialty stores just to make the most

441
00:19:28,359 --> 00:19:31,000
Speaker 2: of our budget, like a bread, a bread factory, the

442
00:19:31,080 --> 00:19:34,000
Speaker 2: butcher like. She didn't she couldn't just go straight food

443
00:19:34,000 --> 00:19:35,800
Speaker 2: shopping because we had to buy everything in bulk.

444
00:19:36,080 --> 00:19:40,040
Speaker 1: You know, this is before the cost goos of the world. Yeah,

445
00:19:40,119 --> 00:19:41,119
Speaker 1: I don't even know.

446
00:19:41,160 --> 00:19:44,679
Speaker 2: I don't know how you even emotionally care for five kids,

447
00:19:44,840 --> 00:19:47,960
Speaker 2: let alone financially. That's why I honestly like whatever they need.

448
00:19:48,160 --> 00:19:49,720
Speaker 2: My parents are always like you guys are always so

449
00:19:49,840 --> 00:19:50,720
Speaker 2: ghitterous with us.

450
00:19:50,840 --> 00:19:55,240
Speaker 1: I'm like, yo, five, we're here and alive. I don't know.

451
00:19:55,880 --> 00:19:58,080
Speaker 1: Whatever you want is your you want to go to Mexico?

452
00:19:58,280 --> 00:19:59,320
Speaker 1: What do you need, daddy?

453
00:20:00,400 --> 00:20:03,200
Speaker 3: I'm intrigued by I wonder if our listeners, if you're

454
00:20:03,359 --> 00:20:05,240
Speaker 3: you know, I know we have listeners with kids out there.

455
00:20:05,520 --> 00:20:08,040
Speaker 3: Do you use a nanny and are you comfortable? I'll

456
00:20:08,080 --> 00:20:10,679
Speaker 3: keep you anonymous. I'm curious what is a nanny charge,

457
00:20:10,720 --> 00:20:12,119
Speaker 3: where do you live? How much do you pay for

458
00:20:12,160 --> 00:20:13,560
Speaker 3: your nanny? Or like, where do you live and what

459
00:20:13,600 --> 00:20:15,840
Speaker 3: do you pay for daycare? This is when you can vent,

460
00:20:16,040 --> 00:20:19,360
Speaker 3: like vent to us your childcare costs. Because I'm curious,

461
00:20:19,440 --> 00:20:21,680
Speaker 3: both of us thinking about having kids. I think about

462
00:20:21,680 --> 00:20:24,000
Speaker 3: this all the time. I'm like, what am I What

463
00:20:24,040 --> 00:20:26,359
Speaker 3: am I going in for? Because I'm just like terrified

464
00:20:26,400 --> 00:20:28,760
Speaker 3: of how much it costs out here. I just don't

465
00:20:28,760 --> 00:20:30,080
Speaker 3: know what to do. I do.

466
00:20:30,280 --> 00:20:32,639
Speaker 1: Yeah, well, my sister puts, like, so my niece and

467
00:20:32,680 --> 00:20:33,119
Speaker 1: my nephew.

468
00:20:33,160 --> 00:20:36,520
Speaker 2: Now that my nephew pay God is three, he could

469
00:20:36,560 --> 00:20:40,480
Speaker 2: go to daycare becomes preschool and in the state of

470
00:20:40,560 --> 00:20:44,159
Speaker 2: New Jersey, preschool is considered public school. But before that,

471
00:20:44,359 --> 00:20:46,680
Speaker 2: with the two kids, because they're only like a year

472
00:20:46,720 --> 00:20:50,720
Speaker 2: and a half apart, she was paying twenty three hundred

473
00:20:50,720 --> 00:20:51,840
Speaker 2: dollars a month for daycare.

474
00:20:52,240 --> 00:20:56,840
Speaker 1: I was like, yo, what she's like kids two kids?

475
00:20:56,840 --> 00:21:00,000
Speaker 2: Twenty three hundred dollars a month and I don't even

476
00:21:00,440 --> 00:21:03,040
Speaker 2: but thankfully, Like, so, if you're someone who's kind of struggling,

477
00:21:03,119 --> 00:21:05,200
Speaker 2: there's something. My friend Linda is a social worker, and

478
00:21:05,920 --> 00:21:08,400
Speaker 2: she was sharing that there are programs called literally there's

479
00:21:08,400 --> 00:21:11,399
Speaker 2: one called program for parents where you can apply and

480
00:21:11,440 --> 00:21:15,439
Speaker 2: based upon what you make, will they will supplement some

481
00:21:15,520 --> 00:21:17,439
Speaker 2: of that payment, so they'll pay the school directly, so

482
00:21:17,480 --> 00:21:19,800
Speaker 2: they'll look on a sliding scale and they might say,

483
00:21:19,960 --> 00:21:21,280
Speaker 2: we'll pay a thousand of that.

484
00:21:21,400 --> 00:21:25,480
Speaker 1: You know, So don't hesitate to reach.

485
00:21:25,280 --> 00:21:28,640
Speaker 2: Out and apply for programs for parents, because I remember

486
00:21:28,680 --> 00:21:30,960
Speaker 2: when I taught preschool, we did have some parents that

487
00:21:31,000 --> 00:21:34,679
Speaker 2: were using programs for parents, and sometimes they paid all

488
00:21:34,720 --> 00:21:35,760
Speaker 2: of it depending on what you make.

489
00:21:35,840 --> 00:21:37,720
Speaker 1: So there are like.

490
00:21:37,760 --> 00:21:40,600
Speaker 2: Programs out there for child care if you don't make much.

491
00:21:41,560 --> 00:21:44,120
Speaker 2: But yeah, it's so child well, she said, twenty three

492
00:21:44,160 --> 00:21:47,080
Speaker 2: hundred dollars. I was like, so you literally just work

493
00:21:47,160 --> 00:21:49,040
Speaker 2: to put the kids in daycare? She said, just about.

494
00:21:50,400 --> 00:21:52,119
Speaker 3: Somebody out there. I know you can top that. I

495
00:21:52,119 --> 00:21:53,919
Speaker 3: know I got a friend paying more than three grand

496
00:21:54,320 --> 00:21:56,760
Speaker 3: a month for two kids in daycare, so I know

497
00:21:56,840 --> 00:21:57,440
Speaker 3: y'all can adopt that.

498
00:21:57,520 --> 00:21:57,879
Speaker 1: Let me know.

499
00:21:58,080 --> 00:22:00,840
Speaker 3: Also, it's not just like it's not just daycare. It's

500
00:22:00,880 --> 00:22:03,239
Speaker 3: like when you get into preschool or whatnot. Sometimes it's

501
00:22:03,280 --> 00:22:06,040
Speaker 3: after school care you gotta pay for because like preschool

502
00:22:06,119 --> 00:22:07,800
Speaker 3: ends at three thirty and you're still at work till

503
00:22:07,840 --> 00:22:10,600
Speaker 3: six and then exactly. The summertime comes and then it's

504
00:22:10,600 --> 00:22:11,800
Speaker 3: summer camp, and I'm.

505
00:22:11,760 --> 00:22:13,480
Speaker 1: Yes, that's exactly what she's gonna do now.

506
00:22:13,520 --> 00:22:16,040
Speaker 2: She's like, her son is three, so he's out for

507
00:22:16,119 --> 00:22:18,639
Speaker 2: two weeks and then they're like, so who watches him?

508
00:22:18,680 --> 00:22:21,240
Speaker 2: You know, like and then and then on top of

509
00:22:21,320 --> 00:22:23,760
Speaker 2: that he goes back. But it's not it's not it's

510
00:22:23,800 --> 00:22:26,639
Speaker 2: not daycare or what's daycare now? Because like you know,

511
00:22:26,720 --> 00:22:28,840
Speaker 2: public school is quote unquote out, so she's gonna have

512
00:22:28,840 --> 00:22:29,359
Speaker 2: to pay for that.

513
00:22:29,400 --> 00:22:31,480
Speaker 1: So it's just honesty.

514
00:22:31,119 --> 00:22:35,480
Speaker 2: Who children you like, we children are just so expensive,

515
00:22:36,119 --> 00:22:38,560
Speaker 2: like forget clothes and hay, I'm just talking about like

516
00:22:39,040 --> 00:22:42,159
Speaker 2: making sure that you know, you know that you're you know,

517
00:22:42,200 --> 00:22:43,600
Speaker 2: you have someplace somebody.

518
00:22:43,280 --> 00:22:47,680
Speaker 1: Can watch you. It's just yeah, childcare is something else.

519
00:22:47,720 --> 00:22:51,399
Speaker 2: I'm like, it's like one of those guaranteed so it'll

520
00:22:51,400 --> 00:22:53,240
Speaker 2: never go out of business because at some point someone

521
00:22:53,240 --> 00:22:54,400
Speaker 2: has to watch kids.

522
00:22:54,400 --> 00:22:55,719
Speaker 1: You know, any people in the manny that I know

523
00:22:55,960 --> 00:22:56,920
Speaker 1: literally one of the parents.

524
00:22:56,960 --> 00:22:59,080
Speaker 2: I go speaking to a woman today her her husband's

525
00:22:59,080 --> 00:23:02,280
Speaker 2: to stay at home dad now because they did the

526
00:23:02,320 --> 00:23:05,239
Speaker 2: math and they were like, honestly, it actually makes more

527
00:23:05,280 --> 00:23:06,600
Speaker 2: sense for one of us stop working.

528
00:23:06,760 --> 00:23:09,760
Speaker 3: Oh, hell, yeah, no, I you hear that more and more.

529
00:23:09,800 --> 00:23:13,760
Speaker 3: And when you're talking about mortgage payment or no, if

530
00:23:13,800 --> 00:23:15,680
Speaker 3: you're not making more than that mortgage payment each month,

531
00:23:15,680 --> 00:23:17,920
Speaker 3: then yeah. And I'm talking about like how a childcare

532
00:23:17,960 --> 00:23:20,040
Speaker 3: costs can be as much as a mortgage. Yeah, I

533
00:23:20,720 --> 00:23:23,280
Speaker 3: get it. And then it's sad because it's great to

534
00:23:23,280 --> 00:23:25,400
Speaker 3: be as you know, stay at home parents are the best,

535
00:23:25,400 --> 00:23:27,280
Speaker 3: and like, if you really love doing that, that's great,

536
00:23:27,280 --> 00:23:29,600
Speaker 3: but if you're like forced into it financially, then you

537
00:23:29,600 --> 00:23:31,959
Speaker 3: feel like you're putting your career on pause to you know,

538
00:23:32,040 --> 00:23:34,679
Speaker 3: stay at home. And I think we talked to for

539
00:23:34,720 --> 00:23:36,480
Speaker 3: a new Shurabbi about that when she was on the show.

540
00:23:36,600 --> 00:23:39,560
Speaker 3: Sometimes it's like as much as you want to avoid it,

541
00:23:39,640 --> 00:23:43,560
Speaker 3: especially if you want, you know, to have a sustainable career,

542
00:23:43,640 --> 00:23:45,800
Speaker 3: to keep your career going, it can really just like

543
00:23:46,359 --> 00:23:49,879
Speaker 3: delay your own advancement. But yet it becomes a necessity

544
00:23:49,920 --> 00:23:52,200
Speaker 3: because it's like who do I choose my career or

545
00:23:52,240 --> 00:23:52,520
Speaker 3: my kid?

546
00:23:52,560 --> 00:23:54,800
Speaker 1: And of course your comes first, exactly.

547
00:23:55,400 --> 00:23:58,400
Speaker 3: Yeah, So you guys share your stories with us. Your

548
00:23:58,480 --> 00:24:02,360
Speaker 3: our email is Brand Ambition Podcast at gmail dot com.

549
00:24:02,640 --> 00:24:04,119
Speaker 3: You can hit us up and if you're gonna send

550
00:24:04,160 --> 00:24:06,600
Speaker 3: me a long rant, please send it an email. Instagram

551
00:24:06,680 --> 00:24:11,800
Speaker 3: rants are hard to read. I'd be scrolling for hours,

552
00:24:11,840 --> 00:24:14,840
Speaker 3: So email Brando Mission Pocast at gmail dot com. You

553
00:24:14,880 --> 00:24:18,120
Speaker 3: can hit us up with a shorter story at Instagram

554
00:24:18,200 --> 00:24:21,159
Speaker 3: our Instagram handle us at the BA Wait wait no, no

555
00:24:21,000 --> 00:24:24,640
Speaker 3: no at brand and Mission podcast on Instagram. And if

556
00:24:24,680 --> 00:24:26,960
Speaker 3: you have a story, and how many characters is Twitter

557
00:24:27,000 --> 00:24:29,359
Speaker 3: these days? What are we at two hundre or something?

558
00:24:29,560 --> 00:24:29,960
Speaker 3: I forget?

559
00:24:30,040 --> 00:24:30,520
Speaker 1: Yeah? Big?

560
00:24:31,160 --> 00:24:33,040
Speaker 3: Then if you have a very short story, hit us

561
00:24:33,119 --> 00:24:35,639
Speaker 3: up on Twitter at the BA podcast.

562
00:25:08,840 --> 00:25:13,120
Speaker 1: Segway segweg Questions Questions.

563
00:25:13,160 --> 00:25:16,639
Speaker 2: Honestly, questions have started to become my favorite part of

564
00:25:16,760 --> 00:25:20,320
Speaker 2: the BA podcast because you guys ask such great questions.

565
00:25:20,359 --> 00:25:23,119
Speaker 2: Although I will say sometimes you guys will message me

566
00:25:23,240 --> 00:25:27,320
Speaker 2: on on Instagram and sometimes the question is.

567
00:25:27,320 --> 00:25:31,879
Speaker 1: So like heavy. It's literally like, so I'm having open

568
00:25:31,920 --> 00:25:34,240
Speaker 1: heart surgery? How do you do it?

569
00:25:34,320 --> 00:25:37,040
Speaker 2: And you're like what, I can't what Like it's not

570
00:25:37,119 --> 00:25:39,000
Speaker 2: literally like that, but but you know what I mean,

571
00:25:39,119 --> 00:25:41,160
Speaker 2: Like the question is so complex, I'm like.

572
00:25:41,160 --> 00:25:43,199
Speaker 1: This can't possibly be answered on Instagram.

573
00:25:44,320 --> 00:25:48,520
Speaker 3: So, like Brandy said, if you have not the medical

574
00:25:49,240 --> 00:25:50,840
Speaker 3: or you'd be surprised somebody asked me a question the

575
00:25:50,880 --> 00:25:52,120
Speaker 3: other day and it was a great question.

576
00:25:52,160 --> 00:25:55,320
Speaker 2: It was about landlording. I think she was taking over

577
00:25:55,400 --> 00:25:58,480
Speaker 2: an apartment or something like. She had brought like a

578
00:25:58,480 --> 00:26:02,080
Speaker 2: a complex and there were a tenant that the landlord,

579
00:26:02,080 --> 00:26:04,680
Speaker 2: the current landlord didn't want to evict, and was like, hey,

580
00:26:04,840 --> 00:26:06,040
Speaker 2: you have to be the one evicted.

581
00:26:06,040 --> 00:26:08,800
Speaker 1: She was like, is it legal for me to whatever

582
00:26:08,800 --> 00:26:09,439
Speaker 1: the question is?

583
00:26:09,480 --> 00:26:14,439
Speaker 2: And I was like, I don't know. I was like, well, one,

584
00:26:14,440 --> 00:26:16,200
Speaker 2: I don't know what state you live in. There's different

585
00:26:16,240 --> 00:26:17,200
Speaker 2: rights in different states.

586
00:26:17,200 --> 00:26:18,960
Speaker 1: And two, I'm not.

587
00:26:18,960 --> 00:26:22,280
Speaker 2: A lawyer, and three like I don't I'm not a

588
00:26:22,359 --> 00:26:24,760
Speaker 2: real estate I don't contender myself like a real estate expert.

589
00:26:24,800 --> 00:26:27,080
Speaker 2: I mean, I have a house and we have a

590
00:26:27,119 --> 00:26:30,600
Speaker 2: second house, but that doesn't qualify me to be like, ooh,

591
00:26:30,680 --> 00:26:32,320
Speaker 2: what you need to do is? I mean, I always

592
00:26:32,320 --> 00:26:35,000
Speaker 2: appreciate great questions, but sometimes I think you guys give

593
00:26:35,040 --> 00:26:38,440
Speaker 2: me way too much credit. I'm like, uh, two houses

594
00:26:38,520 --> 00:26:41,320
Speaker 2: a genius does not make me. But yes, but I

595
00:26:41,320 --> 00:26:43,119
Speaker 2: love our questions that we get. So what's what are

596
00:26:43,119 --> 00:26:44,040
Speaker 2: the good questions that we have?

597
00:26:44,160 --> 00:26:44,360
Speaker 1: Now?

598
00:26:44,920 --> 00:26:48,040
Speaker 3: How about a housing question to start things off? Since

599
00:26:48,160 --> 00:26:51,800
Speaker 3: you know you love those. This person would like to

600
00:26:51,880 --> 00:26:55,320
Speaker 3: remain anonymous. That's totally fine. Hi, ladies. I'm a new

601
00:26:55,440 --> 00:26:58,760
Speaker 3: listener and I love the podcast. I'm in my late twenties,

602
00:26:58,760 --> 00:27:02,000
Speaker 3: and unfortunately I've missed manage my credit. But I've decided

603
00:27:02,040 --> 00:27:05,159
Speaker 3: to get serious using the combination of bringing an income

604
00:27:05,160 --> 00:27:07,879
Speaker 3: from a side hustle and using the snowball effect to

605
00:27:07,960 --> 00:27:10,880
Speaker 3: pay off my credit debt. I'm confident I can pay

606
00:27:10,920 --> 00:27:13,119
Speaker 3: it off my credit cards and save a decent amount

607
00:27:13,280 --> 00:27:15,840
Speaker 3: in three years, in which I'd be interested after that

608
00:27:15,960 --> 00:27:19,639
Speaker 3: point in buying a home. But would I be eligible

609
00:27:19,680 --> 00:27:22,000
Speaker 3: to buy a home if I've got the funds there

610
00:27:22,080 --> 00:27:24,960
Speaker 3: and I've improved my credit over those three years, or

611
00:27:24,960 --> 00:27:27,159
Speaker 3: do you think the bank will still think poorly of

612
00:27:27,200 --> 00:27:30,480
Speaker 3: me because of my past behavior. By the way, I've

613
00:27:30,480 --> 00:27:33,159
Speaker 3: always paid bills on time. It's just that it's just

614
00:27:33,200 --> 00:27:37,520
Speaker 3: more so that I have a high credit usage. Good question,

615
00:27:37,680 --> 00:27:39,600
Speaker 3: And hey, you're in your late twenties, but you're getting

616
00:27:39,640 --> 00:27:42,760
Speaker 3: your act together. That's pretty much like the pattern for

617
00:27:42,840 --> 00:27:43,440
Speaker 3: most humans.

618
00:27:43,760 --> 00:27:45,520
Speaker 2: Yeah, you know, it's always so crazy to me when

619
00:27:45,560 --> 00:27:47,120
Speaker 2: people like in their twenties are like, oh my god,

620
00:27:47,119 --> 00:27:48,840
Speaker 2: I messed up. My life is over. And I know

621
00:27:48,880 --> 00:27:51,000
Speaker 2: I was there before. I remember being twenty six being

622
00:27:51,000 --> 00:27:54,440
Speaker 2: like I'm so old now. But no, in your twenties,

623
00:27:54,720 --> 00:27:57,320
Speaker 2: you are like super super.

624
00:27:57,359 --> 00:27:58,719
Speaker 3: Time is on your side.

625
00:27:58,880 --> 00:28:01,280
Speaker 2: It is, I mean not that it's not on your

626
00:28:01,280 --> 00:28:04,800
Speaker 2: side of the thirties and forties, but especially your twenty

627
00:28:04,880 --> 00:28:07,680
Speaker 2: that's literally the first decade of like true adulthood. Like

628
00:28:07,720 --> 00:28:09,760
Speaker 2: no one's expecting you to be Albert Einstein when it

629
00:28:09,760 --> 00:28:14,840
Speaker 2: comes to your money. But well, the bank is looking

630
00:28:14,840 --> 00:28:16,320
Speaker 2: for a couple of things right when you're looking when

631
00:28:16,320 --> 00:28:20,000
Speaker 2: you're buying a home. So one, they're looking to see

632
00:28:20,119 --> 00:28:22,919
Speaker 2: just how much debt you already have. Like I'll give

633
00:28:22,960 --> 00:28:25,520
Speaker 2: you example, I was like super good, I had a

634
00:28:25,520 --> 00:28:27,479
Speaker 2: great credit score, all that kind of stuff when I

635
00:28:27,520 --> 00:28:29,639
Speaker 2: bought my condo when I was like twenty five, but

636
00:28:29,680 --> 00:28:31,480
Speaker 2: I had student loan debt and they gave me so

637
00:28:31,600 --> 00:28:34,639
Speaker 2: much trouble even though on everything else I was like

638
00:28:34,680 --> 00:28:35,520
Speaker 2: an A plus.

639
00:28:35,720 --> 00:28:38,480
Speaker 1: So one, they're gonna look at how much debt do you.

640
00:28:38,440 --> 00:28:40,800
Speaker 2: Currently have because banks don't like to see that you

641
00:28:40,840 --> 00:28:42,760
Speaker 2: have a heavy debt burden because they're like, well what

642
00:28:42,800 --> 00:28:45,240
Speaker 2: about us, We want to be your only real heavy

643
00:28:45,280 --> 00:28:50,080
Speaker 2: debt burden. Two, they're looking at your credit score, so

644
00:28:50,280 --> 00:28:52,200
Speaker 2: they're wanting to, you know, your credit score is basically

645
00:28:52,240 --> 00:28:54,959
Speaker 2: like your financial GPA, so they're wanting to know, like,

646
00:28:55,320 --> 00:29:00,280
Speaker 2: you know, have you do basically pay back and so,

647
00:29:01,160 --> 00:29:03,680
Speaker 2: you know, I feel like in the long as long

648
00:29:03,720 --> 00:29:06,560
Speaker 2: as in the last couple of years, you've been pretty consistent,

649
00:29:06,920 --> 00:29:09,080
Speaker 2: So it's not like you've got delinquencies from like six

650
00:29:09,120 --> 00:29:11,720
Speaker 2: months ago. If it's been three years or more, I

651
00:29:11,760 --> 00:29:14,240
Speaker 2: don't know how heavily they'll count that against you. Is

652
00:29:14,280 --> 00:29:16,200
Speaker 2: really what your credit score is going to kind of dictate,

653
00:29:17,160 --> 00:29:20,320
Speaker 2: especially if you've gotten low debt, and especially if like

654
00:29:20,360 --> 00:29:22,440
Speaker 2: the last couple of years, you've been like on point

655
00:29:22,520 --> 00:29:25,480
Speaker 2: with it. And then of course they're gonna want to see,

656
00:29:25,480 --> 00:29:27,320
Speaker 2: like do you have like that down payment, do you

657
00:29:27,360 --> 00:29:31,240
Speaker 2: have money like actual cash like set aside, because it's

658
00:29:31,240 --> 00:29:33,520
Speaker 2: not just your down payment. People forget their closing costs

659
00:29:33,520 --> 00:29:37,560
Speaker 2: that are associated with with with purchasing a house. So

660
00:29:37,840 --> 00:29:40,239
Speaker 2: that's really what they're gonna be most those three things

661
00:29:40,280 --> 00:29:42,360
Speaker 2: are what's gonna be like what they're most concerned with.

662
00:29:43,640 --> 00:29:46,240
Speaker 1: And so as long as those three things are are

663
00:29:46,320 --> 00:29:47,760
Speaker 1: in alignment, you should be okay.

664
00:29:48,560 --> 00:29:52,160
Speaker 2: Banks not that people make mistakes, but really like most creditors,

665
00:29:53,520 --> 00:29:57,120
Speaker 2: mortgage people are are really concerned with what have you

666
00:29:57,200 --> 00:30:00,360
Speaker 2: done most recently because this is this is is that

667
00:30:00,400 --> 00:30:03,160
Speaker 2: this is a snap stop of your current financial character,

668
00:30:03,760 --> 00:30:06,240
Speaker 2: so something from like, you know, years ago, although not

669
00:30:06,320 --> 00:30:07,960
Speaker 2: to say that it's not like they're going to totally

670
00:30:07,960 --> 00:30:08,440
Speaker 2: ignore it.

671
00:30:08,960 --> 00:30:12,160
Speaker 1: But if what you're doing now all sets that you

672
00:30:12,160 --> 00:30:16,120
Speaker 1: still are, you still have a strong there's still a strong.

673
00:30:16,760 --> 00:30:18,760
Speaker 2: Potential that you'll be able to get a mortgage without

674
00:30:18,760 --> 00:30:19,880
Speaker 2: any major issue.

675
00:30:20,200 --> 00:30:21,840
Speaker 3: Yeah, And the key there is that they really are

676
00:30:21,840 --> 00:30:24,400
Speaker 3: looking at what's happened in your life the last twelve months.

677
00:30:24,840 --> 00:30:28,080
Speaker 3: Especially so if you're you know, you're looking three years

678
00:30:28,080 --> 00:30:29,880
Speaker 3: down the road. You can have this debt paid down.

679
00:30:30,200 --> 00:30:32,000
Speaker 3: You're going to get those balances down as long as

680
00:30:32,000 --> 00:30:35,200
Speaker 3: you don't rack up that credit card debt behind after

681
00:30:35,240 --> 00:30:37,160
Speaker 3: you make those payments, which it can be tempting to do.

682
00:30:37,200 --> 00:30:39,480
Speaker 3: Once you finally got your cards paid off, just be

683
00:30:39,640 --> 00:30:44,080
Speaker 3: really diligent about getting your usage down as low as possible.

684
00:30:44,600 --> 00:30:46,600
Speaker 3: And in three years, you know, I don't see why

685
00:30:46,600 --> 00:30:48,680
Speaker 3: you would have a problem, especially if, like you said,

686
00:30:49,000 --> 00:30:51,440
Speaker 3: you haven't been delinquent on your payments. You're probably just

687
00:30:51,560 --> 00:30:53,960
Speaker 3: racking up debt and making the minimum payment on time,

688
00:30:54,920 --> 00:30:57,200
Speaker 3: you know, and keeping your credit in good standing. But

689
00:30:57,280 --> 00:31:00,560
Speaker 3: what could kill you is is the credit utilized rate,

690
00:31:00,640 --> 00:31:02,800
Speaker 3: So how much credit you're using versus how much credit

691
00:31:02,840 --> 00:31:05,880
Speaker 3: you have. So as long as you've got that taking

692
00:31:05,880 --> 00:31:07,320
Speaker 3: care of and you've got a plan to pay it down,

693
00:31:07,360 --> 00:31:10,120
Speaker 3: which it sounds like you do, you know, you should

694
00:31:10,160 --> 00:31:13,080
Speaker 3: be You should be in good shape. Just be careful

695
00:31:13,120 --> 00:31:15,600
Speaker 3: about racking of debt the year you're about to get

696
00:31:15,640 --> 00:31:18,040
Speaker 3: a mortgage, opening up new credit, the year you're gonna

697
00:31:18,080 --> 00:31:21,400
Speaker 3: have a mortgage, that's a big red flag. A lot

698
00:31:21,400 --> 00:31:23,240
Speaker 3: of people think, oh, I'm gonna get a mortgage. I

699
00:31:23,240 --> 00:31:24,760
Speaker 3: need to show the bank I can do this. Let

700
00:31:24,800 --> 00:31:27,479
Speaker 3: me get a new credit card, or I'm gonna get

701
00:31:27,520 --> 00:31:29,160
Speaker 3: a mortgage, let me go ahead and take out a

702
00:31:29,360 --> 00:31:31,840
Speaker 3: you know, finance some new furniture. And that can really

703
00:31:31,880 --> 00:31:34,600
Speaker 3: screw up your application because one, it adds debt to

704
00:31:34,680 --> 00:31:37,520
Speaker 3: your to your debt to income ratio, which is how

705
00:31:37,560 --> 00:31:40,160
Speaker 3: much debt you have versus how much income you have

706
00:31:40,280 --> 00:31:43,760
Speaker 3: coming in. And if it's happening during the underwriting process,

707
00:31:43,880 --> 00:31:46,320
Speaker 3: like when you're already applying with the bank and they're

708
00:31:46,360 --> 00:31:48,600
Speaker 3: vetting you out, it can like freak them out. Oh no,

709
00:31:48,920 --> 00:31:52,920
Speaker 3: this person is not you know, is inconsistent or you know,

710
00:31:53,160 --> 00:31:56,040
Speaker 3: they're not financially stable enough to not need credit right now,

711
00:31:56,080 --> 00:31:59,000
Speaker 3: so they're taking out new credit and it can throw

712
00:31:59,000 --> 00:32:02,040
Speaker 3: a wrench in your and your whole plan. So just

713
00:32:02,080 --> 00:32:05,440
Speaker 3: be cautious. It sounds like you're on the right track,

714
00:32:05,520 --> 00:32:06,600
Speaker 3: my friend.

715
00:32:07,120 --> 00:32:08,080
Speaker 1: Yeah, no it does.

716
00:32:09,040 --> 00:32:14,320
Speaker 3: And thank you for your question. Appreciate that. Let's go

717
00:32:14,560 --> 00:32:18,680
Speaker 3: switching over to the email inbox. That question was from Instagram.

718
00:32:19,240 --> 00:32:23,200
Speaker 3: Let's see, Oh emergency fund question, So this comes from listener.

719
00:32:23,600 --> 00:32:26,120
Speaker 3: Let me see if she want to be anonymous. Nope, Paulette,

720
00:32:27,320 --> 00:32:30,560
Speaker 3: Hey ladies, apologies if you already answer this question. But

721
00:32:30,680 --> 00:32:32,600
Speaker 3: how do you come up with the magic number for

722
00:32:32,640 --> 00:32:34,840
Speaker 3: the amount of money to save for an emergency fund?

723
00:32:34,880 --> 00:32:36,080
Speaker 3: And where do you save it?

724
00:32:36,240 --> 00:32:39,920
Speaker 2: Keep up the great work, so paultte pat of me.

725
00:32:40,400 --> 00:32:44,080
Speaker 2: You see my Spanish there, call me Corey Booker and

726
00:32:44,920 --> 00:32:46,280
Speaker 2: whatever the guy's first name is.

727
00:32:47,120 --> 00:32:49,400
Speaker 1: You see the silence, Shaye, I can shave Corey he

728
00:32:49,560 --> 00:32:53,920
Speaker 1: you know, yes? Right? Yeah?

729
00:32:54,200 --> 00:32:56,720
Speaker 2: First of all, did you see Corey's face when he

730
00:32:56,760 --> 00:32:58,400
Speaker 2: started speaking Spanida and she was like, wait, that was

731
00:32:58,440 --> 00:32:59,080
Speaker 2: gonna be my thing?

732
00:32:59,520 --> 00:33:03,240
Speaker 1: Like it was hilarious, but everyone who I.

733
00:33:03,200 --> 00:33:04,960
Speaker 2: Know speak Spanish was like, yo, it was the worst

734
00:33:04,960 --> 00:33:06,600
Speaker 2: display of that language I've ever seen.

735
00:33:08,440 --> 00:33:08,680
Speaker 1: Yeah.

736
00:33:08,680 --> 00:33:12,760
Speaker 2: So anyway, so for me, I like to three or

737
00:33:12,760 --> 00:33:15,760
Speaker 2: four months is enough for me. But it depends what

738
00:33:15,880 --> 00:33:18,600
Speaker 2: industry that you're in and how quickly you could recover

739
00:33:19,040 --> 00:33:20,360
Speaker 2: from basically job loss.

740
00:33:20,400 --> 00:33:21,960
Speaker 1: That's what I like to use as a measuring stick.

741
00:33:22,200 --> 00:33:26,240
Speaker 2: So one of my sisters is an engineer, so if

742
00:33:26,240 --> 00:33:28,680
Speaker 2: she would have lose her engineering job, it's not super easy,

743
00:33:28,760 --> 00:33:32,880
Speaker 2: especially for a black woman, to secure another engineering job,

744
00:33:32,960 --> 00:33:35,880
Speaker 2: so she might need like a year. My mom when

745
00:33:35,880 --> 00:33:38,560
Speaker 2: she was a nurse, she's now retired. Honestly, I remember

746
00:33:38,560 --> 00:33:40,640
Speaker 2: when her hospital closed down and nurses are still in

747
00:33:40,720 --> 00:33:46,080
Speaker 2: high demand that she had a job before the hospital

748
00:33:46,080 --> 00:33:49,200
Speaker 2: had even fully closed because nurses were in such high demand.

749
00:33:49,240 --> 00:33:52,000
Speaker 2: I mean she had like ten hospitals. Like I remember

750
00:33:52,000 --> 00:33:53,480
Speaker 2: every day they were calling the house like is your

751
00:33:53,480 --> 00:33:53,800
Speaker 2: mom home?

752
00:33:53,880 --> 00:33:54,520
Speaker 1: Is your mom home?

753
00:33:54,840 --> 00:33:57,520
Speaker 2: So for her, a couple months is more than enough

754
00:33:57,600 --> 00:33:59,040
Speaker 2: because she could replace that income.

755
00:33:59,280 --> 00:34:02,080
Speaker 1: So really, how quickly could you replace your income in

756
00:34:02,120 --> 00:34:03,800
Speaker 1: your industry?

757
00:34:03,880 --> 00:34:08,279
Speaker 2: And yeah, and I like to save my savings in

758
00:34:08,320 --> 00:34:11,239
Speaker 2: an online only savings account. I always direct people to

759
00:34:11,320 --> 00:34:14,560
Speaker 2: Magnify Money Mandy's company. Well, I know it's not her company,

760
00:34:14,600 --> 00:34:17,000
Speaker 2: but you know what I mean. There to magnify Money

761
00:34:17,000 --> 00:34:19,239
Speaker 2: dot Com because I like to find an online only

762
00:34:19,320 --> 00:34:23,320
Speaker 2: savings account and I at the banks. I one, you

763
00:34:23,400 --> 00:34:27,319
Speaker 2: look for an FDIC inshored bank. Two highest interest rate,

764
00:34:27,560 --> 00:34:32,680
Speaker 2: three lowest required deposit, and then four you're also going

765
00:34:32,760 --> 00:34:35,600
Speaker 2: to make sure that that interest rate like doesn't go

766
00:34:35,960 --> 00:34:37,799
Speaker 2: down if you don't have a certain amount, because there

767
00:34:37,800 --> 00:34:39,600
Speaker 2: a certain banks where it's like, in order to earn

768
00:34:39,600 --> 00:34:41,920
Speaker 2: this interest rate, you have to have like twenty five

769
00:34:41,960 --> 00:34:44,480
Speaker 2: thousand dollars in our bank and maintain that balance.

770
00:34:45,719 --> 00:34:48,400
Speaker 1: So yeah, I mean, I think.

771
00:34:48,280 --> 00:34:50,319
Speaker 2: Like I said, three months or above, depending on what

772
00:34:50,360 --> 00:34:53,680
Speaker 2: industry you're in. And I like online only banks, and

773
00:34:53,760 --> 00:34:55,560
Speaker 2: I always go to Magnify Money when I'm looking for

774
00:34:55,600 --> 00:34:57,440
Speaker 2: an online only bank, and I don't open up a

775
00:34:57,480 --> 00:34:59,840
Speaker 2: checking account with that bank because I want that the

776
00:35:00,120 --> 00:35:02,439
Speaker 2: way I can get my money is to transfer back

777
00:35:02,440 --> 00:35:04,799
Speaker 2: to my regular brick and mortar bank because there's like

778
00:35:04,800 --> 00:35:06,920
Speaker 2: a delay of about twenty four to forty eight hours

779
00:35:06,920 --> 00:35:08,360
Speaker 2: that stops me from overspending.

780
00:35:09,320 --> 00:35:11,120
Speaker 3: Yeah, I mean, the key with an emergency fund as

781
00:35:11,160 --> 00:35:13,480
Speaker 3: far as where to save it is you know, there's

782
00:35:13,480 --> 00:35:15,640
Speaker 3: an emergency fund, which is like you know, your car

783
00:35:15,680 --> 00:35:17,120
Speaker 3: breaks down the middle of the road and you need

784
00:35:17,160 --> 00:35:20,000
Speaker 3: money transferred over, or your roof brain your roof collapses

785
00:35:20,040 --> 00:35:22,080
Speaker 3: and you need a hotel for the night or something

786
00:35:22,160 --> 00:35:24,200
Speaker 3: like that. And for that, I would say, keep it

787
00:35:24,200 --> 00:35:26,680
Speaker 3: in an account that you can access immediately. Like you know,

788
00:35:26,880 --> 00:35:29,319
Speaker 3: even if you have to have one small emergency fund

789
00:35:29,360 --> 00:35:30,759
Speaker 3: tied to an account that you know, you can go

790
00:35:30,800 --> 00:35:33,200
Speaker 3: to the ATM and pull it out, which that applies to

791
00:35:33,280 --> 00:35:35,360
Speaker 3: online banks too. You know, I have ally, I have

792
00:35:35,400 --> 00:35:37,280
Speaker 3: a debit card. I can go to ATM and withdraw

793
00:35:37,360 --> 00:35:40,839
Speaker 3: from my savings if I need to. And then if

794
00:35:40,880 --> 00:35:43,799
Speaker 3: you've got you know, you want an emergency fund for

795
00:35:43,920 --> 00:35:47,520
Speaker 3: like like TIF said, the big things job loss, illness,

796
00:35:47,600 --> 00:35:51,239
Speaker 3: medical debt, things like that. You know, definitely keep that

797
00:35:51,280 --> 00:35:52,960
Speaker 3: where you can earn the highest rate, even if it's

798
00:35:52,960 --> 00:35:55,520
Speaker 3: a little bit more inaccessible, because you won't need to

799
00:35:55,600 --> 00:35:57,840
Speaker 3: access it, you know, within an hour or something if

800
00:35:57,880 --> 00:36:02,120
Speaker 3: something crazy happens. But since we're talking about like savings

801
00:36:02,120 --> 00:36:07,000
Speaker 3: and stuff, you know, the FED is looking like they're

802
00:36:07,040 --> 00:36:11,799
Speaker 3: going to be potentially lowering rates and I heard yeah,

803
00:36:11,840 --> 00:36:14,279
Speaker 3: and some some banks like I got an email from

804
00:36:14,320 --> 00:36:17,239
Speaker 3: Ally that their savings rate is going down, not a ton,

805
00:36:17,440 --> 00:36:19,600
Speaker 3: I think it's going from two point two percent ap

806
00:36:19,840 --> 00:36:24,120
Speaker 3: Y to two point one percent ap Y, but just saying,

807
00:36:24,360 --> 00:36:28,080
Speaker 3: like the period and that's about savings rates, you can

808
00:36:28,120 --> 00:36:32,239
Speaker 3: probably expect to see rates fall if FED do, If

809
00:36:32,280 --> 00:36:36,040
Speaker 3: the FED does cut deposit rates, rates fall on things

810
00:36:36,080 --> 00:36:38,720
Speaker 3: like CDs as well. So we're just kind of entering

811
00:36:38,760 --> 00:36:41,640
Speaker 3: this new period where for so long it's been the

812
00:36:41,680 --> 00:36:44,800
Speaker 3: online banks competing and ratcheting up their rates and giving

813
00:36:44,800 --> 00:36:48,680
Speaker 3: people higher and higher returns, and you know, I don't know,

814
00:36:48,680 --> 00:36:51,400
Speaker 3: it seems like that might be slowing down a little bit,

815
00:36:52,280 --> 00:36:54,640
Speaker 3: which just means it's even more important to shop around,

816
00:36:54,680 --> 00:36:56,359
Speaker 3: like Tiffany said, and make sure you're getting the best

817
00:36:56,360 --> 00:36:59,000
Speaker 3: deal because there are still some places out there that

818
00:36:59,080 --> 00:37:01,040
Speaker 3: are giving higher rates.

819
00:37:01,880 --> 00:37:05,920
Speaker 2: Just be mindful because sometimes like like like Ally, that's

820
00:37:05,920 --> 00:37:08,600
Speaker 2: my bank as well, But so sometimes like they're definitely

821
00:37:08,719 --> 00:37:11,919
Speaker 2: banks that give more than Ally, but they're like those

822
00:37:12,000 --> 00:37:13,440
Speaker 2: kind of like you know, these are like kind of

823
00:37:13,480 --> 00:37:17,359
Speaker 2: like introductory rates, so you know, you're like, oh, yay,

824
00:37:17,400 --> 00:37:20,200
Speaker 2: they're giving me two point five to allies two point two.

825
00:37:20,960 --> 00:37:22,560
Speaker 2: But then if you really look at the fine print,

826
00:37:22,600 --> 00:37:24,160
Speaker 2: you're like, oh, for the first six months or for

827
00:37:24,239 --> 00:37:26,879
Speaker 2: a year or whatever that is. So you're gonna want

828
00:37:26,880 --> 00:37:29,520
Speaker 2: to look for a bank that will steadily give you

829
00:37:29,600 --> 00:37:32,080
Speaker 2: that that that rate, and you're not because you don't

830
00:37:32,120 --> 00:37:34,359
Speaker 2: want to. And I used to do that. I used

831
00:37:34,400 --> 00:37:37,440
Speaker 2: to bank hop like a lot, and honestly, it's too much.

832
00:37:38,000 --> 00:37:39,680
Speaker 2: So I really wanted to stick with the bank that

833
00:37:39,880 --> 00:37:43,279
Speaker 2: you know, had like a steady, sure interest rate that

834
00:37:43,400 --> 00:37:45,359
Speaker 2: wasn't fluctuating like months a month.

835
00:37:45,440 --> 00:37:45,600
Speaker 1: You know.

836
00:37:46,239 --> 00:37:47,320
Speaker 3: No, that's a really good point.

837
00:37:48,440 --> 00:37:51,040
Speaker 1: You are smart. I'm smart.

838
00:37:51,080 --> 00:37:56,799
Speaker 3: So sometimes you need a next you want to take

839
00:37:56,800 --> 00:38:00,400
Speaker 3: one more question on Oh, no, gotta go.

840
00:38:02,120 --> 00:38:03,240
Speaker 1: I gotta got my dog.

841
00:38:03,280 --> 00:38:06,759
Speaker 3: You know, my dog, my dog, mom guilt. But thank

842
00:38:06,800 --> 00:38:08,680
Speaker 3: you guys for your questions. We'll get to more next

843
00:38:08,680 --> 00:38:12,680
Speaker 3: week again. Go to Brandambission podcast dot com to click

844
00:38:12,719 --> 00:38:15,000
Speaker 3: the ask us anything tab that I'll send us an email.

845
00:38:15,080 --> 00:38:18,359
Speaker 3: You can email us directly Brandimbision Podcast at gmail dot

846
00:38:18,360 --> 00:38:23,720
Speaker 3: com or yes, or go to Instagram and uh direct

847
00:38:23,840 --> 00:38:24,759
Speaker 3: or what do you call it? Da?

848
00:38:24,880 --> 00:38:25,240
Speaker 1: Sorry?

849
00:38:25,280 --> 00:38:28,359
Speaker 3: Direct message us? GotY d m us.

850
00:38:30,719 --> 00:38:31,680
Speaker 1: I know you already knew.

851
00:38:31,680 --> 00:38:33,080
Speaker 2: I was like, give me that card back, give me

852
00:38:33,080 --> 00:38:33,839
Speaker 2: that millennial card.

853
00:38:33,880 --> 00:38:34,840
Speaker 1: Beck send us an.

854
00:38:34,680 --> 00:38:39,080
Speaker 3: Insta mail at the Graham We're at Brown Ambition Podcast.

855
00:38:39,200 --> 00:38:41,560
Speaker 3: Can't even get the name out at Brandon Vission podcast

856
00:38:41,680 --> 00:38:44,640
Speaker 3: on Instagram. I also love when you guys share that

857
00:38:44,640 --> 00:38:46,480
Speaker 3: you're listening to the show. And I actually did a

858
00:38:46,480 --> 00:38:50,440
Speaker 3: better job sharing y'all stories last week. So let us

859
00:38:50,480 --> 00:38:52,960
Speaker 3: know when you're listening to the show on your Wednesday commute,

860
00:38:53,239 --> 00:38:55,080
Speaker 3: take a snapshot of your favorite part of the show

861
00:38:55,160 --> 00:38:57,239
Speaker 3: or yourself listening, whatever you want to do, and we'll

862
00:38:57,280 --> 00:39:00,960
Speaker 3: share it. It could be one big brand ambition party.

863
00:39:01,040 --> 00:39:04,440
Speaker 2: Yes please yes tag tag tag because I love clicking

864
00:39:04,440 --> 00:39:05,240
Speaker 2: the reshare button.

865
00:39:06,160 --> 00:39:09,640
Speaker 1: Now it's Tampa Winds. Oh no, Oh my gosh, yo,

866
00:39:09,760 --> 00:39:10,560
Speaker 1: that was a throwback.

867
00:39:11,280 --> 00:39:16,040
Speaker 2: That was Brown Break, Rock Boost, Brown Break or Brown Boost.

868
00:39:16,080 --> 00:39:18,279
Speaker 2: I feel like we do like more more boost, which

869
00:39:18,320 --> 00:39:22,359
Speaker 2: is great and breaks, which are you know, I mean

870
00:39:22,400 --> 00:39:24,440
Speaker 2: they're great too, but you know, I feel like, thankfully

871
00:39:24,440 --> 00:39:25,440
Speaker 2: we do more wins.

872
00:39:25,840 --> 00:39:27,439
Speaker 1: So are you gonna break?

873
00:39:27,480 --> 00:39:30,880
Speaker 3: Are you gonna boost? I am gonna do I know

874
00:39:30,960 --> 00:39:32,520
Speaker 3: I said I was going to do a break. I

875
00:39:32,640 --> 00:39:35,399
Speaker 3: kind of have done enough winding for one episode, though,

876
00:39:35,400 --> 00:39:37,040
Speaker 3: so I'm gonna flip it because as I was sitting here,

877
00:39:37,080 --> 00:39:40,880
Speaker 3: I was feeling warm and fuzzy because my my neighbors. Honestly,

878
00:39:40,920 --> 00:39:42,440
Speaker 3: you know, I've been in the burbs for about a

879
00:39:42,520 --> 00:39:45,680
Speaker 3: year now, technically about six months because we were out

880
00:39:45,719 --> 00:39:48,319
Speaker 3: for the renovation. But I have just you know, we

881
00:39:48,480 --> 00:39:50,759
Speaker 3: just found this little, this little stretch on our little

882
00:39:50,760 --> 00:39:53,200
Speaker 3: block where the people on either side of us are

883
00:39:53,239 --> 00:39:55,200
Speaker 3: just so nice. And they have been the people who

884
00:39:55,280 --> 00:39:58,360
Speaker 3: I can call and text when our dog walker bails

885
00:39:58,440 --> 00:40:00,799
Speaker 3: and we need someone to let our dog out, or

886
00:40:01,600 --> 00:40:03,279
Speaker 3: you know, if we have a package that we don't

887
00:40:03,320 --> 00:40:05,040
Speaker 3: want on our doorstep and they can bring it in,

888
00:40:05,440 --> 00:40:07,480
Speaker 3: and they are just the sweetest people. So shout out

889
00:40:07,480 --> 00:40:10,120
Speaker 3: to people who have good neighbors and getting to know

890
00:40:10,160 --> 00:40:13,480
Speaker 3: your neighbors. It was a little awkward at first. It's

891
00:40:13,480 --> 00:40:15,320
Speaker 3: way more awkward, I feel, well, actually it was awkward

892
00:40:15,360 --> 00:40:17,640
Speaker 3: in the city too, Like in apartments. I feel like

893
00:40:17,680 --> 00:40:20,440
Speaker 3: I never knew my neighbors. It's a little awkward to

894
00:40:20,520 --> 00:40:23,000
Speaker 3: like get to know other grown adults living their life.

895
00:40:23,040 --> 00:40:26,879
Speaker 3: But I'm so happy that we have because they've been

896
00:40:26,960 --> 00:40:30,320
Speaker 3: we don't have anybody else out here, Like we're probably

897
00:40:30,360 --> 00:40:33,040
Speaker 3: twenty minutes from our closest relative, and they have kids

898
00:40:33,719 --> 00:40:35,960
Speaker 3: that you know, need their attention, so they can't come

899
00:40:35,960 --> 00:40:38,960
Speaker 3: to our rescue all the time. So we've really leaned

900
00:40:39,239 --> 00:40:42,080
Speaker 3: on our neighbors lately and they've saved our butts on

901
00:40:42,160 --> 00:40:45,600
Speaker 3: multiple occasions. And just got a text from a neighbor

902
00:40:45,680 --> 00:40:48,440
Speaker 3: ar Nando, calling him out his teenage son is going

903
00:40:48,520 --> 00:40:53,520
Speaker 3: to be Molly's dedicated dog walker. Wooo that summer yay.

904
00:40:54,000 --> 00:40:57,319
Speaker 3: I'm just like, please, someone, please, Molly is the best dog.

905
00:40:57,360 --> 00:40:58,520
Speaker 3: Please someone treat her right.

906
00:40:59,040 --> 00:41:03,600
Speaker 1: Oh that's awesome. So yeah for neighbors, Yeah, yeah, for neighbors.

907
00:41:05,120 --> 00:41:07,120
Speaker 2: Well, I've got a brown break in a brown booth.

908
00:41:07,160 --> 00:41:11,200
Speaker 2: So brown break first is for professional comparison.

909
00:41:11,360 --> 00:41:14,360
Speaker 1: So I don't know. Lately, I don't know.

910
00:41:14,400 --> 00:41:16,640
Speaker 2: Lately, I've been like, you know, like all the socials

911
00:41:16,680 --> 00:41:18,520
Speaker 2: and usually I'm not, but like, you know, just I

912
00:41:19,160 --> 00:41:22,520
Speaker 2: I unfood followed a bunch of folks who like do

913
00:41:22,560 --> 00:41:24,200
Speaker 2: basically the same thing I do, like even though like

914
00:41:24,239 --> 00:41:26,799
Speaker 2: we're cool in real life. Because I had like this

915
00:41:27,000 --> 00:41:30,520
Speaker 2: really bad habit of like professional comparison and then using

916
00:41:30,520 --> 00:41:31,919
Speaker 2: it as a way to be like.

917
00:41:32,320 --> 00:41:34,600
Speaker 1: Tippany, you're not doing good, you know.

918
00:41:35,360 --> 00:41:38,000
Speaker 2: But I found myself like I was, you know, So

919
00:41:38,040 --> 00:41:40,600
Speaker 2: I found myself like I was like, I could totally

920
00:41:40,600 --> 00:41:42,759
Speaker 2: follow people like again, it's not a big like you know,

921
00:41:42,800 --> 00:41:45,040
Speaker 2: these are like my actual real like financial friends.

922
00:41:45,040 --> 00:41:47,160
Speaker 1: So I call my financial friends. So like we talked

923
00:41:47,160 --> 00:41:49,120
Speaker 1: on the phone, we kind of connect and I was like, oh,

924
00:41:49,239 --> 00:41:51,880
Speaker 1: I'm not following, so I need to follow such and such. Shah.

925
00:41:51,960 --> 00:41:54,520
Speaker 1: I don't follow so fast on follow.

926
00:41:54,600 --> 00:42:01,279
Speaker 2: Because I realized I'm not over the professional comparison like thing.

927
00:42:01,440 --> 00:42:03,440
Speaker 2: And I'm like, you know, and even though I know

928
00:42:03,640 --> 00:42:05,399
Speaker 2: I'm doing well, I don't think I'm not doing well.

929
00:42:05,640 --> 00:42:07,279
Speaker 2: But then you know, you start saying, oh, man, did

930
00:42:07,320 --> 00:42:08,879
Speaker 2: I miss out on an opportunity?

931
00:42:09,000 --> 00:42:10,719
Speaker 1: Or ooh should I do that too?

932
00:42:10,920 --> 00:42:14,120
Speaker 2: Or dang, you know, you know, everyone seems to have

933
00:42:14,120 --> 00:42:15,440
Speaker 2: been chosen for a certain campaign.

934
00:42:15,480 --> 00:42:17,359
Speaker 1: They didn't choose me. No one called me.

935
00:42:17,480 --> 00:42:21,080
Speaker 2: I'm like, oh my god, Symphony, honestly, are you five now?

936
00:42:22,280 --> 00:42:24,640
Speaker 2: So yeah, I don't if you guys have any tips

937
00:42:24,680 --> 00:42:26,239
Speaker 2: about how to get over it. Maybe there is nothing,

938
00:42:26,400 --> 00:42:27,960
Speaker 2: no way I don't know about how to get over

939
00:42:28,040 --> 00:42:30,759
Speaker 2: kind of like like not even well, cause I feel

940
00:42:30,760 --> 00:42:32,319
Speaker 2: like in my personal life I don't do that, but

941
00:42:32,640 --> 00:42:37,000
Speaker 2: definitely professionally I find myself doing that using sometimes other

942
00:42:37,160 --> 00:42:40,719
Speaker 2: people's moves to measure whether or not I'm doing a

943
00:42:40,719 --> 00:42:43,040
Speaker 2: good job or not, and I don't want to do that.

944
00:42:43,160 --> 00:42:45,799
Speaker 2: That's why I said I unfollowed basically like all my

945
00:42:45,840 --> 00:42:48,279
Speaker 2: real life financial friends and folks that do the same

946
00:42:48,280 --> 00:42:51,000
Speaker 2: thing as me, because I couldn't seem to get past

947
00:42:51,719 --> 00:42:53,200
Speaker 2: like like looking.

948
00:42:52,920 --> 00:42:55,200
Speaker 1: At being like, oh dad, what does that say about

949
00:42:55,200 --> 00:42:55,719
Speaker 1: where I am?

950
00:42:56,239 --> 00:42:59,000
Speaker 2: And you know, because I know, like I know I'm

951
00:42:59,040 --> 00:43:01,640
Speaker 2: doing whused in preschool teacher for goodness sake, not that

952
00:43:01,640 --> 00:43:04,000
Speaker 2: that's like something bad, but from where I was to

953
00:43:04,000 --> 00:43:05,880
Speaker 2: where I am now, of course I know that. You know,

954
00:43:05,960 --> 00:43:07,960
Speaker 2: I'm proud of myself and I'm doing well. That's why

955
00:43:08,000 --> 00:43:11,080
Speaker 2: I hate when I look at something and someone's killing

956
00:43:11,080 --> 00:43:13,239
Speaker 2: it and I'm like, yes, go girl, you killed it,

957
00:43:13,280 --> 00:43:15,880
Speaker 2: and then this other voice comes in and says, are.

958
00:43:15,760 --> 00:43:20,200
Speaker 1: You killing a Tiffany? He's killing it. God.

959
00:43:20,280 --> 00:43:22,319
Speaker 3: It just reminded me this meme that I that Vial

960
00:43:22,400 --> 00:43:24,680
Speaker 3: with Davis shared yesterday. It was like this evil It

961
00:43:24,760 --> 00:43:28,640
Speaker 3: was like evil Barbie whispering and good Barbie's ear. Anyway,

962
00:43:29,360 --> 00:43:31,840
Speaker 3: what I'll say is I think it's human nature to

963
00:43:31,880 --> 00:43:34,080
Speaker 3: compare ourselves and the thing about being an adult that's

964
00:43:34,120 --> 00:43:37,439
Speaker 3: so damn hard is that the measuring sticks are gone.

965
00:43:37,560 --> 00:43:39,719
Speaker 3: Like when you were in school, I was hella competitive.

966
00:43:40,080 --> 00:43:42,719
Speaker 3: I knew there was a list people got grades, You

967
00:43:42,840 --> 00:43:46,000
Speaker 3: got GPA's, there was a valedictorianus lutatorian. You know, you

968
00:43:46,040 --> 00:43:48,880
Speaker 3: got awarded every four years for graduating. They were gold

969
00:43:48,880 --> 00:43:51,560
Speaker 3: stickers and ribbons and awards ceremonies, and you always kind

970
00:43:51,560 --> 00:43:53,879
Speaker 3: of knew where you were at with your peers, and

971
00:43:53,920 --> 00:43:56,520
Speaker 3: you could compare yourself and strive. And I think competition

972
00:43:56,600 --> 00:43:58,880
Speaker 3: makes you better in that way. When you're an adult,

973
00:43:58,960 --> 00:44:01,000
Speaker 3: Like we're all out here living own lives, there's no

974
00:44:01,080 --> 00:44:04,359
Speaker 3: one measuring stick, and it gets hard, and like Instagram

975
00:44:04,360 --> 00:44:08,160
Speaker 3: and social has become that measuring stick. But it's so

976
00:44:08,320 --> 00:44:12,640
Speaker 3: ineffective because it's biased. Obviously the other person is only

977
00:44:12,680 --> 00:44:17,120
Speaker 3: posting the highlight reel and it's it's it's just toxic.

978
00:44:17,200 --> 00:44:19,560
Speaker 3: And you know that's why that's a big part of

979
00:44:19,560 --> 00:44:21,520
Speaker 3: way I've pulled away from Instagram the past year and

980
00:44:21,560 --> 00:44:25,920
Speaker 3: a half. You know, career be damned. I'm sorry, I

981
00:44:25,920 --> 00:44:29,200
Speaker 3: I don't. I just my mental health and just my

982
00:44:29,280 --> 00:44:33,080
Speaker 3: own self worth came into play. And I think if

983
00:44:33,120 --> 00:44:36,080
Speaker 3: you if you need social media for your career as

984
00:44:36,160 --> 00:44:38,920
Speaker 3: much as you can just try it, like the way

985
00:44:38,920 --> 00:44:42,400
Speaker 3: that you've unfollowed people like thinking of ways to protect yourself.

986
00:44:42,760 --> 00:44:44,319
Speaker 1: Yes, and that's what I've done.

987
00:44:44,360 --> 00:44:47,240
Speaker 2: I'm like, so like one, I don't like I I

988
00:44:47,320 --> 00:44:49,560
Speaker 2: you know, I don't I get the job done and

989
00:44:49,600 --> 00:44:51,080
Speaker 2: what I need to do on social I do a

990
00:44:51,080 --> 00:44:53,839
Speaker 2: lot of like in my team does a lot of scheduling,

991
00:44:54,120 --> 00:44:55,680
Speaker 2: so that way it's like it's out, but I don't

992
00:44:55,719 --> 00:44:59,080
Speaker 2: have to necessarily let go. And what I I started

993
00:44:59,080 --> 00:45:00,880
Speaker 2: to do on Instagram with has helped a lot.

994
00:45:01,200 --> 00:45:02,080
Speaker 1: Is I used to.

995
00:45:02,080 --> 00:45:04,920
Speaker 2: Follow, like, you know, like professionally like follow, and I

996
00:45:04,960 --> 00:45:08,040
Speaker 2: still do somewhat like business accounts, but I follow way more.

997
00:45:08,080 --> 00:45:09,200
Speaker 1: I love old homes.

998
00:45:09,600 --> 00:45:13,160
Speaker 2: I follow way more historic houses and like interior design

999
00:45:14,040 --> 00:45:16,000
Speaker 2: and like all this other stuff that so I can

1000
00:45:16,040 --> 00:45:19,080
Speaker 2: when I go on Instagram, I'm flooded with like eighty

1001
00:45:19,160 --> 00:45:23,280
Speaker 2: percent like stuff that like, you know, I'm wanting to see,

1002
00:45:23,480 --> 00:45:26,160
Speaker 2: not stuff that's going to make me say like ooh girl,

1003
00:45:26,440 --> 00:45:28,719
Speaker 2: like such and such. You know, I don't know got

1004
00:45:28,800 --> 00:45:31,480
Speaker 2: booked to do the you know whatever your like your

1005
00:45:31,520 --> 00:45:34,759
Speaker 2: favorite bank or whatever. How come you didn't get booked?

1006
00:45:34,760 --> 00:45:36,359
Speaker 2: So I don't get this I don't see that as much.

1007
00:45:36,480 --> 00:45:38,279
Speaker 2: But I guess what the part that's hard for me

1008
00:45:38,400 --> 00:45:39,359
Speaker 2: is that I wish I.

1009
00:45:39,320 --> 00:45:40,000
Speaker 1: Didn't feel like that.

1010
00:45:40,080 --> 00:45:43,680
Speaker 2: It's like, well, what, you know, like what can I

1011
00:45:43,719 --> 00:45:45,160
Speaker 2: What exercises can I do?

1012
00:45:45,239 --> 00:45:46,680
Speaker 1: What mental exercises can I do?

1013
00:45:47,000 --> 00:45:49,640
Speaker 2: That way I can follow folks and not feel like,

1014
00:45:50,080 --> 00:45:52,200
Speaker 2: you know, not use it as a reason to be

1015
00:45:52,280 --> 00:45:55,359
Speaker 2: like Tiffany, you could definitely do be doing better. And

1016
00:45:55,400 --> 00:45:57,040
Speaker 2: I'm like when I know that, you know, I like

1017
00:45:57,080 --> 00:45:59,440
Speaker 2: where I am. You know, I'm happy where i am.

1018
00:45:59,480 --> 00:46:02,000
Speaker 2: I'm proud of how far I've come. So that's that's

1019
00:46:02,080 --> 00:46:04,319
Speaker 2: the brown break. It's figuring out what does that like what?

1020
00:46:04,600 --> 00:46:06,520
Speaker 2: I don't know if anyone's kind of like cracked the

1021
00:46:06,560 --> 00:46:11,200
Speaker 2: code on, you know, letting go of that comparison. Like

1022
00:46:11,440 --> 00:46:14,879
Speaker 2: they say, comparison is the thief of joy child. There

1023
00:46:14,960 --> 00:46:18,080
Speaker 2: is nothing more true. So but then and then my

1024
00:46:18,080 --> 00:46:20,480
Speaker 2: my brown boost is just the ring. So we have

1025
00:46:20,560 --> 00:46:24,040
Speaker 2: the ring. We finally have internet, and so the ring

1026
00:46:24,120 --> 00:46:27,719
Speaker 2: doorbell is everything. Okay, let me tell you I was

1027
00:46:27,760 --> 00:46:30,120
Speaker 2: in the office today, working in my new office and

1028
00:46:30,200 --> 00:46:33,520
Speaker 2: my new house, and I you know, got a little notification.

1029
00:46:33,680 --> 00:46:35,799
Speaker 2: It was the Amazon people, and I could see the

1030
00:46:35,840 --> 00:46:39,440
Speaker 2: girl who very roughly threw my box but whatever, but

1031
00:46:39,520 --> 00:46:40,799
Speaker 2: threw it on the front porch and I was able

1032
00:46:40,840 --> 00:46:42,960
Speaker 2: to go downstairs and get it right away, versus like

1033
00:46:43,560 --> 00:46:45,320
Speaker 2: not knowing when something was delivered.

1034
00:46:45,400 --> 00:46:47,520
Speaker 1: So I love this ring app. It is great.

1035
00:46:47,560 --> 00:46:50,120
Speaker 2: Like I could see when Superman is coming home, I

1036
00:46:50,120 --> 00:46:52,319
Speaker 2: could see when anyone comes on the front porch and

1037
00:46:52,440 --> 00:46:55,120
Speaker 2: it just shows like the ring app also connects to

1038
00:46:55,200 --> 00:46:57,480
Speaker 2: something called Neighbor next Door or something like that where

1039
00:46:57,640 --> 00:46:59,879
Speaker 2: I can see like other people's ring stuff that they post.

1040
00:47:00,239 --> 00:47:02,799
Speaker 2: So if there's like like there was a kid that

1041
00:47:02,880 --> 00:47:06,000
Speaker 2: was like checking everybody's car doors a couple of nights ago,

1042
00:47:06,040 --> 00:47:08,680
Speaker 2: I guess looking for change, and so like you can

1043
00:47:08,719 --> 00:47:10,640
Speaker 2: kind of see, like you know, just be mindful everybody

1044
00:47:10,719 --> 00:47:13,480
Speaker 2: lock your car doors. So I love this ring And

1045
00:47:13,560 --> 00:47:16,000
Speaker 2: I know that the ring guy was on Shark Tank

1046
00:47:16,040 --> 00:47:17,800
Speaker 2: and I think he got like the nied and of

1047
00:47:17,880 --> 00:47:21,240
Speaker 2: course now it's like a huge business, but honestly, the.

1048
00:47:21,160 --> 00:47:22,640
Speaker 1: Ring is everything.

1049
00:47:23,040 --> 00:47:26,640
Speaker 2: Get it ring everything anyway, that's my brown BOOST love it.

1050
00:47:26,760 --> 00:47:29,880
Speaker 3: We're a nest, We're a nest family out there, so

1051
00:47:30,320 --> 00:47:33,160
Speaker 3: there's so many new systems out there, and I love

1052
00:47:33,360 --> 00:47:35,880
Speaker 3: I just love having surveillance on all my my little

1053
00:47:35,880 --> 00:47:38,239
Speaker 3: tiny house, which feels kind of ridiculous, but it gives

1054
00:47:38,280 --> 00:47:40,759
Speaker 3: me a peace of mind. You feel isolated in the suburbs.

1055
00:47:40,760 --> 00:47:41,680
Speaker 3: It's quiet out here.

1056
00:47:42,160 --> 00:47:42,560
Speaker 1: Mm hmm.

1057
00:47:42,920 --> 00:47:45,120
Speaker 3: Like my first few months living in this house, I

1058
00:47:45,200 --> 00:47:46,400
Speaker 3: was terrified at night, and.

1059
00:47:46,719 --> 00:47:49,560
Speaker 1: I remember, I remember, yeah, and I.

1060
00:47:49,520 --> 00:47:51,239
Speaker 3: Felt like such a big baby, and I remembered as

1061
00:47:51,280 --> 00:47:53,279
Speaker 3: a child. I was really spooked out too by all

1062
00:47:53,320 --> 00:47:55,400
Speaker 3: the noises in my house. But yeah, it gives you

1063
00:47:55,400 --> 00:47:57,160
Speaker 3: that piece of mind. And a dog helps too, So

1064
00:47:57,400 --> 00:47:58,600
Speaker 3: I'm on team get a dog.

1065
00:47:59,160 --> 00:48:00,880
Speaker 2: That's true, because you run up in there with a dog.

1066
00:48:00,960 --> 00:48:02,640
Speaker 2: I don't care how cute and color of your dog is.

1067
00:48:02,800 --> 00:48:04,120
Speaker 2: That dog will give you the business.

1068
00:48:07,200 --> 00:48:07,760
Speaker 3: That's great.

1069
00:48:07,880 --> 00:48:11,799
Speaker 1: Well, it's been awesome as per you. Let's do this

1070
00:48:11,840 --> 00:48:12,960
Speaker 1: again next week, shall we?

1071
00:48:13,280 --> 00:48:15,200
Speaker 3: I mean, why not. Let's keep it going, keep the

1072
00:48:15,200 --> 00:48:18,879
Speaker 3: party going. Good luck with the new house. Can't wait

1073
00:48:18,920 --> 00:48:19,680
Speaker 3: to see it.

1074
00:48:20,200 --> 00:48:27,520
Speaker 1: Yes, I know, so many thanks by all right, y'all,

1075
00:48:27,520 --> 00:48:29,360
Speaker 1: We will talk to you next week. Thank you for

1076
00:48:29,440 --> 00:48:32,000
Speaker 1: joining Brand and Bishen. As per usual, it.

1077
00:48:31,960 --> 00:48:39,000
Speaker 3: Was Spanish audios Whish, which was like Arnold Schwartzenegger's. It

1078
00:48:39,040 --> 00:48:46,080
Speaker 3: was like Arnold Schwartzenigg Louigo Rosario Dawson was like Obay.

1079
00:48:47,360 --> 00:48:48,000
Speaker 3: We worked on this