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Speaker 1: And were I feel like we have not been back

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Speaker 1: in a while.

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Speaker 2: Well, we took a little bit of a hiatus last week.

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Speaker 1: Yeah we did.

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Speaker 2: But if you were listening, you got to hear our

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Speaker 2: delightful Patrice Washington interview yet again, which is like one

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Speaker 2: of our most popular episodes.

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Speaker 1: Sos dope dot com. Or we forgot we're supposed to

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Speaker 1: be like, you know, professional, this is Brown Ambition again.

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Speaker 2: I will say, if you're clicking on the podcast from

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Speaker 2: the iTunes and you see the title in our faces,

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Speaker 2: you already have all the information you need. Some jump

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Speaker 2: right in there.

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Speaker 1: Somebody might be listening by Yeah, by accident belong to

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Speaker 1: Well you stumbled on to Brown Ambition, darn it. And

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Speaker 1: I'm Tiffany And that's Mandy.

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Speaker 2: That's me, Mandy Lee.

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Speaker 1: Is that your meddle name for really.

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Speaker 2: To the wood, to the ruf, to the Yeah, Mandy Lee,

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Speaker 2: that's how you know I'm from Georgia.

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Speaker 1: Oh that is so cute, mand Lye.

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Speaker 2: Actually, if you want if I'm in trouble, it's a

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Speaker 2: mandal Lee. Oh that sounds that's when I really messed up.

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Speaker 1: That does sound like your mom needs business When.

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Speaker 2: I messed with a thermostat. Yeah, so you were just

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Speaker 2: in Florida at Color Coom.

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Speaker 1: Yes, it was Dope dot Com. It was so I'd

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Speaker 1: never been before. They have it every year, it was.

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Speaker 1: This was its third year they have it at the

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Speaker 1: Ritz Carlton. I met a broad Ambition listener and if

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Speaker 1: you're listening, I totally misplaced your name in my memory.

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Speaker 1: But I just wanted to say thank you so much.

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Speaker 1: You made my day by saying, wait, I know that voice.

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Speaker 1: Broad Ambition was Mandy, What.

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Speaker 2: A nice way to say you forgot something. I seem

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Speaker 2: to have misplaced that memory. I don't know where it

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Speaker 2: went right now.

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Speaker 1: I forgot.

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Speaker 2: I'm gonna use that one. I'm really bad with names too.

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Speaker 1: Yeah. No, but it was really dope because it was

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Speaker 1: how old?

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Speaker 2: How loud were you speaking? When when she recognized her

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Speaker 2: name from across the room.

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Speaker 1: I was standing next to her, like I like her

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Speaker 1: back was kind of to me and I was talking

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Speaker 1: to someone, and she turned around as she looked at me,

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Speaker 1: she said, I know that voice. So yeah, it was great.

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Speaker 1: Honestly it was. It's just a brown AMBITIONI color calm

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Speaker 1: is women women in communications, women of color in communication.

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Speaker 1: So it wasn't just Black women. There were Asian women,

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Speaker 1: there were Spanish women. It was a nice cross section.

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Speaker 1: I would say it was majority black women, but definitely

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Speaker 1: a cross section. You could say they made a real

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Speaker 1: effort to be inclusive of women of color. Yeah.

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Speaker 2: I think Lisa Ling, who I love, She did the

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Speaker 2: keynote last year.

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Speaker 1: Yeah, she did. They always get really dope people that

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Speaker 1: This year they had Arianna Huffington, and she really she

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Speaker 1: resonated with so many of us because you know, so

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Speaker 1: many of us are still being super women in our lives,

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Speaker 1: and she really talked about how that's dangerous.

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Speaker 2: She's all about the sleep. That's why her entire book. Yeah,

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Speaker 2: if you want, if you want to read her book Thrive,

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Speaker 2: it's a good book. But I can sum it up

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Speaker 2: in one word, two words sleep more. Yeah, sleep more.

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Speaker 1: She said that they're like, you know that, really, in

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Speaker 1: order for us to be productive, you really are supposed

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Speaker 1: to have seven to eight hours to sleep a night.

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Speaker 2: How often do you think you get seven to eight

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Speaker 2: hours of sleep at night?

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Speaker 1: How often? Let me see, I usually wake up involuntarily

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Speaker 1: at like six or seven ish. Do I go to

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Speaker 1: sleep by midnight? I would say, yeah, honestly more unless

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Speaker 1: I'm like on the road or whatever, like you know, speaking,

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Speaker 1: I would say more often than not, I'm pretty good

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Speaker 1: at getting to bed by I want to say latest

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Speaker 1: midnight and then like just kind of waking up, I

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Speaker 1: like six or seven in the morning, So I would

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Speaker 1: say I'm in that range. I might not, you know,

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Speaker 1: hit eight, but I think six or seven is pretty

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Speaker 1: pretty normal for me. What about you.

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Speaker 2: I try to give myself like two nights a week

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Speaker 2: where I get like five hours to sleep, because it

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Speaker 2: happens inevitably, especially like as I've had these early wake

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Speaker 2: up calls for the CrossFit class. But for the most

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Speaker 2: of the for the most of the week, I would

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Speaker 2: say I'm getting at least six hours, and on the

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Speaker 2: weekend sometimes more, sometimes less. But yeah, I was out

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Speaker 2: my So shout out to my friend Frank who he

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Speaker 2: did the New York City Triathlon yesterday. Okay, this is

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Speaker 2: the same one. I did this one two years ago,

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Speaker 2: but I did not do it in one hundred degree

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Speaker 2: heat in the middle of the day like he did.

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Speaker 2: It was rough, but it was fun. I got I

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Speaker 2: went out there. I was out from like seven am

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Speaker 2: because the race starts super early. And I kind of like.

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Speaker 2: I biked up to the Bronx, which isn't super far

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Speaker 2: from where we live right now. I biked over there

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Speaker 2: so I could see him during the bike part of

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Speaker 2: the race, and then I biked back home, dropped off

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Speaker 2: the bike, and then went to Central Park and caught

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Speaker 2: him during the run and then I was running around

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Speaker 2: and by the end of it, like I felt like

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Speaker 2: I had run a trathlon. It was not hot.

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Speaker 1: Yeah, I just this heat has been oppressive, Like I'll

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Speaker 1: stay my toe out there, and I'm like, yeah, actually,

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Speaker 1: I'll just go back inside.

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Speaker 2: Well you see a puddle with a weird brown girl

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Speaker 2: face on it floating in Bryent Park, that's mine. It

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Speaker 2: melts it off and floated away. Today when I went

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Speaker 2: to the dentist. Oh, I went to the dentist today.

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Speaker 1: Oh gosh, you were an adult today. I hate adulting sometimes.

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Speaker 2: Listen, my tooth didn't hurt, but now it does. Like

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Speaker 2: it wasn't hurting before I went to the dentist. But

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Speaker 2: then they go in there with the little tools and

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Speaker 2: they pick poke and they prod and that stuff up,

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Speaker 2: and now my tooth hurts.

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Speaker 1: I always hear people say that they're like, you know what,

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Speaker 1: before I went to the dentist, I was fine. Now

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Speaker 1: I'm not. I feel like the dentists like put something

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Speaker 1: in here so I can come back.

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Speaker 2: Well, here's my I'm really kind of proud of myself

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Speaker 2: because you know they always say get a second opinion

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Speaker 2: when you go the doctor. And this actually this was

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Speaker 2: my second dentist visit in two months, because I went

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Speaker 2: last month and the dentist he didn't even look inside

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Speaker 2: my mouth, but I was like, oh, my tooth has

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Speaker 2: been hurting. So he took an xtray, put it up

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Speaker 2: on the screen and he was like, oh, yeah, this tooth,

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Speaker 2: it needs to come out. It's totally decaying. And I

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Speaker 2: was like okay, and then he's like, yeah, well we

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Speaker 2: can take it out and then we can put a

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Speaker 2: bone implant in and that'll be five thousand dollars. And oh,

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Speaker 2: by the way, we can't do anesthesia. You have to

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Speaker 2: be awake for the procedure. I mean, they can do local,

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Speaker 2: but they can't put me under. And I was like,

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Speaker 2: and he's like, well, let's schedule it right now. And

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Speaker 2: I was like h to haaa haha, yeah, Like, let

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Speaker 2: me let me first see when my insurance will cover,

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Speaker 2: and so I had to go. I went back and

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Speaker 2: forth was hit with their receptionist too. She had to

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Speaker 2: call the insurance company and get a quote, and that

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Speaker 2: took like days. I think it took a full week

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Speaker 2: before I heard back from her or she heard back

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Speaker 2: from my insurer. And when I got the estimate, it

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Speaker 2: was like total price five thousand, you will owe three

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Speaker 2: thousand dollars and I was like, okay, before I spend

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Speaker 2: three grand on this tooth, let me get a second opinion.

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Speaker 2: And so today was my second opinion, and I went

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Speaker 2: to a actually found the surgeon on yelp, so shout

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Speaker 2: out to yelp. But I went and he first thing

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Speaker 2: he did was poken. He looked at my mouth. He

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Speaker 2: did a bunch of tests like kind of like, you know,

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Speaker 2: bite on this chew won that does that hurt? Blah

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Speaker 2: blah blah, And then he poked it and that definitely hurt.

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Speaker 2: And then he did an X ray and he was like,

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Speaker 2: you know, looking at your X ray, I'm not super

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Speaker 2: impressed by it, and the fact that I don't think

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Speaker 2: this tooth has to come out, and he like laid

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Speaker 2: it out. Not to get too technical technical but he's like,

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Speaker 2: you know this doctor or this other dentist. I'm not

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Speaker 2: going to say he was wrong, but he might have

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Speaker 2: been too hasty. So let's take three steps back and

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Speaker 2: send you back to a regular dentist and have them decide, like,

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Speaker 2: see how bad the damage is, and if it's bad,

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Speaker 2: then come back to me. Because he was like a surgeon,

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Speaker 2: he's the person who takes the tooth out. Regular dentist

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Speaker 2: is the one. See, I'm kind of working backwards because

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Speaker 2: of this other dentist. Like you're supposed to first go

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Speaker 2: to the dentist to like get the diagnosis, and then

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Speaker 2: they refer you to a surgeon.

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Speaker 1: Yeah.

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Speaker 2: So, but I felt relieved because he was like, I'm

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Speaker 2: not going to say you're not going to lose a tooth,

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Speaker 2: but I'm not. But I also feel like this you

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Speaker 2: don't want to make any like hasty decisions right now.

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Speaker 2: So I saved myself three thousand dollars hopefully.

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Speaker 1: Yeah. No, Honestly, sometimes I remember when I was in

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Speaker 1: high school and like early college, like I was going

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Speaker 1: to the dentists and every time I went, I had

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Speaker 1: to get like ten fillings and I'm like, I'm not

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Speaker 1: even eating that much candy, and it wasn't until I

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Speaker 1: got older. So I went to a dentist and he

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Speaker 1: was like, what in the heck? He was like, where

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Speaker 1: were you going before I was like what. He was like,

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Speaker 1: some of these teeth have just like unnecessary feelings, basically

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Speaker 1: like the dentists basically panning his pockets by giving me

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Speaker 1: random yeah, And I was like, wow.

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Speaker 2: Well you don't think about it because if your insurance

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Speaker 2: covers it, you're like, oh, I'm not getting in charge

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Speaker 2: for it, then okay, do the thing exactly.

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Speaker 1: And so that's what made me like wow, And it

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Speaker 1: just made me really like you said, you know, really

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Speaker 1: remember that I really should get a second opinion, just

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Speaker 1: because you know, the dentists, because I should have known.

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Speaker 1: I'm like five work havities. I just had five less time,

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Speaker 1: you know.

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Speaker 2: Yeah. Well, there was a story in the New York

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Speaker 2: Times just today today being Monday, that was about how

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Speaker 2: dentists and I kind of brought this up to my dentists,

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Speaker 2: which is kind of awkward, but it was about how

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Speaker 2: dentists do too many X rays sometimes and you don't

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Speaker 2: get charged, like you get your free annual X ray

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Speaker 2: every year right from the dentists and your insurance covers it,

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Speaker 2: and so whenever you go, the dentists will be like, oh, well,

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Speaker 2: you get a free one, so go ahead and do it.

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Speaker 2: But there are risks to getting the X ray, like

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Speaker 2: it's unnecessary, unnecessary, radioactive whatever the term is, going into

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Speaker 2: your body even though you have the protective stew or whatever.

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Speaker 2: And basically the article talked about how you really as

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Speaker 2: an adult with if you have good, healthy teeth, you

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Speaker 2: only need one one every eighteen months instead of one

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Speaker 2: every year. But dentists kind of do it because they

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Speaker 2: can convince you to do it because it's free, and

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Speaker 2: then they'll get the money from the insurer for doing it,

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Speaker 2: like they're still going to get paid.

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Speaker 1: Wow, that's terrible.

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Speaker 2: Yeah, but if you're special like me and your tooth

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Speaker 2: is all ft up, then you need special x rays

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Speaker 2: many times. Also, I'm going to refund for my other

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Speaker 2: dentists because I feel like I was told. I was

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Speaker 2: told a lie that my teeth were perfect in the

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Speaker 2: last two years, and I have been going and I

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Speaker 2: have been taking care of my teeth, but it was

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Speaker 2: it was like a kind of a like a freak

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Speaker 2: thing from a feeling I had had like ten years

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Speaker 2: ago that wasn't that like came back to I don't know,

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Speaker 2: it started to decay or something like that. I don't know,

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Speaker 2: but anyway, I guess the moral is to definitely go

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Speaker 2: to more than one dentist if you feel like you're

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Speaker 2: if they're missing stuff.

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Speaker 1: Yeah, and also to if you know your body better

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Speaker 1: than anyone, don't let anyone tell you how you feel.

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Speaker 1: If something does not feel right or just doesn't seem

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Speaker 1: right and it's not in alignment with what they're saying,

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Speaker 1: then keep pushing. I hear that so many times when

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Speaker 1: people will find out, you know what you were right,

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Speaker 1: you do have this thing that's really wrong. Everybody was

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Speaker 1: telling you, Oh it's nothing, you.

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Speaker 2: Know, Oh yeah, I mean, well, it's hard, I think,

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Speaker 2: especially in today's like medical culture, where everyone is like

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Speaker 2: if you go to the regular doctor, like a primary

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Speaker 2: care position, it's like tons of people, the waiting room

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Speaker 2: is packed, they're only seeing you for like fifteen When

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Speaker 2: when my doctor sees me, I love her, but she

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Speaker 2: speaks like Gilmore girls fast like and I'm like, okay, okay,

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Speaker 2: you know she's but guess because she has like so

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Speaker 2: many other patients and I feel like they want the

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Speaker 2: easy answer, and it's hard to find doctors who will

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Speaker 2: like take the time to really listen to you. And

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Speaker 2: that's when it's good to I guess see a specialist

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Speaker 2: like this, Like this dentist sing a real specialist. He

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Speaker 2: took his time. He was like putting me at ease,

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Speaker 2: and I could tell he was like actually thinking really

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Speaker 2: hard about the decision to yank a piece of someone's

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Speaker 2: body out of their mouth. For as the other dentist

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Speaker 2: was like, ah, we can do this, did all the time,

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Speaker 2: let's do it right now. Three thousand dollars place exactly.

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Speaker 1: I mean, I remember when I had to get a

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Speaker 1: like a tooth, so who knows what I was supposed

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Speaker 1: to get it, But I got like a tooth replaced,

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Speaker 1: and they sent me to the specialist. He just like

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Speaker 1: literally over my he looked. It was like yeah, And

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Speaker 1: I didn't And at the time, my dentist, he was terrible.

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Speaker 1: He didn't tell me. I didn't know. I was young,

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Speaker 1: so I didn't know that you had to pay seventy

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Speaker 1: five dollars for a guy to look in your mouth

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Speaker 1: and say, yeah, this needs to come out. So when

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Speaker 1: I got the bill, I'm like, what is this for?

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Speaker 1: Because my dad just didn't say, we're going to refer

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Speaker 1: you to a specialist. You know, this is an additional cost.

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Speaker 1: He just said, I'm going to have my guy come

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Speaker 1: in to take a look. And I just said okay,

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Speaker 1: because you know what, I'm like twenty one, We're like okay, yeah,

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Speaker 1: And so that was such like an eye opener. It's

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Speaker 1: just you just got to be on your piece. I

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Speaker 1: was gonna say q's and p's peace and qus.

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Speaker 2: It's really you got to read your insurance policy to

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Speaker 2: really know what you're covering. And yeah, the specialists costs

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Speaker 2: more than a primary care physician. And if you get referred,

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Speaker 2: like I always ask before it because most doctors don't

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Speaker 2: want to talk about the billing, and it's okay because

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Speaker 2: they're not They don't have the answers anyway. All the

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Speaker 2: doctors do is do the thing that they're doing, and

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Speaker 2: they tell the billing department what they did. The billing

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Speaker 2: department decides what codes to use and what to tell

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Speaker 2: your insure and they're the ones who hold the answers

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Speaker 2: to what things cost. And I don't think you should

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Speaker 2: be shy at all about asking your the billy asking

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Speaker 2: to be transferred to the billing department and then saying,

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Speaker 2: I need to come in for XYZ. Can you tell me,

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Speaker 2: like give me an estimate of what my insurance would

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Speaker 2: cover or what it would cost out of pocket, And

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Speaker 2: they may like ho hum, and like, oh, we can't

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Speaker 2: really tell until in more complicated complicated procedures, Like yeah,

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Speaker 2: they can't tell. Like if you're getting some sort of

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Speaker 2: like surgical operation and things become complicated, then yeah, it

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Speaker 2: can cost a lot more. But if you're going in

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Speaker 2: for like a routine filling or an an MRI or

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Speaker 2: an X ray or something like that, they can pretty

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Speaker 2: much tell you what the sticker price is going to be.

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Speaker 1: Yeah, and that's our extended talk about that's actually but.

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Speaker 2: Come on, like medical expenses, like are you this is

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Speaker 2: my first time, you know, love my new job. But

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Speaker 2: I'm looking at my insurance policy and we have a deductible,

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Speaker 2: like a thousand dollars deductible.

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Speaker 1: Okay.

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Speaker 2: That means that I have to come out of pocket

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Speaker 2: at least one thousand dollars before my insurance kicks in.

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Speaker 2: So immediately I asked to raise my hands and I

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Speaker 2: was like, wait a second, do we have an FSA

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Speaker 2: account and an FSA Flex Savings account. It's base. You

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Speaker 2: can contribute money before your texts are taken out of

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Speaker 2: your paycheck. Okay, so you're saving, like I don't know

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Speaker 2: whatever percentage your tax rate is fifteen twenty twenty five

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Speaker 2: percent on those dollars. So I and we didn't have

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Speaker 2: one and shout out to my boss. He was like, no,

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Speaker 2: we don't, but I'll add one now.

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Speaker 1: Oh that's awesome.

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Speaker 2: Yeah, I think and you don't think to. I mean,

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Speaker 2: I work at a small company, so it's that, you know,

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Speaker 2: I don't think it's that easy all the time. But

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Speaker 2: I think companies the best way to have change, you know,

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Speaker 2: at your company they don't offer stuff like fessays, is

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Speaker 2: just to like raise your hand and ask. You know,

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Speaker 2: maybe they overlooked it or didn't consider the additional costs

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Speaker 2: of having these deductibles. But it can't hurt to ask.

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Speaker 1: It can never hurt to ask. What is somebody? I

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Speaker 1: was on the phone with my friend CHK last night

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Speaker 1: and he was like, if you don't ask, you don't get.

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Speaker 1: And it took me a while that was like, wait

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Speaker 1: a ah, Yeah, you don't ask, you don't get but

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Speaker 1: that's just good.

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Speaker 2: Ask ask, ask, It's been you know, I've had to

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Speaker 2: for a lot of stuff because when you work at

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Speaker 2: a smaller company, like there's stuff that you know, maybe

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Speaker 2: they don't think about that you personally, you know, have

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Speaker 2: thought about it or have asked for I can. The

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Speaker 2: FSA is like one of the most recent examples, but

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Speaker 2: like I don't know, plastic forks in the cabinet, coffee

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Speaker 2: for the coffee machine, stuff like that, like those little things,

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Speaker 2: and I've had to have some, like I think a lot.

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Speaker 2: I've had to ask a lot of questions that I

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Speaker 2: think people might feel awkward about generally, but if you

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Speaker 2: don't do it, no one will, and then nothing ever gets.

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Speaker 1: Better exactly someone else. Listen, now, how was did I ever?

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Speaker 1: Did I share California? Deet?

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Speaker 2: No, that's right, you were on vacation last week.

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Speaker 1: Yeah, it was great. I mean, I would say the

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Speaker 1: biggest highlight was definitely Universal Studios, which was awesome. Have

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Speaker 1: you ever been to Universal Studios?

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Speaker 2: Not since I was a little bit, and I would

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Speaker 2: have never.

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Speaker 1: I'm not gonna lie, so.

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Speaker 2: I want to go as a grown up though, Oh.

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Speaker 1: You should, Like I'm going to tell you Superman was

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Speaker 1: like whatever, I'm not gonna even like love these rides.

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Speaker 1: He was the biggest kid, like, oh my god, I

359
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Speaker 1: love the Minions.

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Speaker 2: Oh my god, the Minions. I go hard for the

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Speaker 2: Minions for Halloween.

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Speaker 1: Oh you were Oh yeah, the Minions are awesome. But

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Speaker 1: the ride was incredible, like who knew the menu ride?

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Speaker 1: I mean me, two minutes sixty six he got out, like,

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Speaker 1: let's do it again. I know, but it was so

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Speaker 1: much fun. I had to say, like, it was my

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Speaker 1: second time going to Universe, so but the first time

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Speaker 1: I wasted it, like cause I am not a I'm

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Speaker 1: not a roller coaster person. And the first time I

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Speaker 1: was in Florida speaking at an event and it was

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Speaker 1: right next to Universal Studios. So the conference gave us

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Speaker 1: like free passes or something. So I went, but I

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Speaker 1: didn't like go on any rides because I assumed that

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Speaker 1: they were roller coasters and I'm afraid of roller coasters.

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Speaker 1: So this time I went and I just was like, well,

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Speaker 1: I'm with the fan, we'll just all do the roller

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Speaker 1: coasters together. Then I realized they're not roller coasters. They're

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Speaker 1: virtual rides where you basically sit in one place, but

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Speaker 1: you feel like you're moving, and I was like, oh,

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Speaker 1: I had no idea. So it just so. Most of

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Speaker 1: the dyes are virtual. Some of them move a little bit,

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Speaker 1: like the Harry Potter ride definitely moves some It was awesome.

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Speaker 1: The Mummy ride it was awesome, but most of it

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Speaker 1: you kind of just sit in the chair and the

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Speaker 1: chair will move a little and shake a little or

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Speaker 1: go up and down a little. But the virtual part

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Speaker 1: has you feeling like you're like falling down into a

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Speaker 1: wormhole or flying sky. Yeah. It honestly, I can't even

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Speaker 1: describe like it was awesome.

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Speaker 2: Any tips on how much did it all cost? If

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Speaker 2: you don't money, Okay.

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Speaker 1: No, I don't mind. It was a grip, it was.

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Speaker 1: It was one hundred dollars. We're like, well, Supergirl was

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Speaker 1: ninety nine dollars because she's a kid, so I'm like, oh,

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Speaker 1: that's that's what kids cost. Oh okay, and then for

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Speaker 1: the adult it was like one fifteen. And I think

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Speaker 1: I found like a five dollar coupon for each of

398
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Speaker 1: us off, but I was doing so much research to

399
00:17:58,119 --> 00:17:58,760
Speaker 1: try to get They.

400
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Speaker 2: Started that surge pricing like uber so during one demand

401
00:18:02,680 --> 00:18:06,240
Speaker 2: for tickets at Universal studios is high. You raise prices.

402
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Speaker 1: Yeah, I wonder what it like. I don't know if

403
00:18:08,480 --> 00:18:10,480
Speaker 1: it was because honestly it wasn't. It wasn't packed. I

404
00:18:11,000 --> 00:18:13,879
Speaker 1: have to say, like, no, we didn't wait more than

405
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Speaker 1: twenty minutes for any ride with Superman. Was like, oh

406
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Speaker 1: my gosh, these lines, I'm like, what get your life?

407
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Speaker 1: You clearly don't go to music parks. This is nothing.

408
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Speaker 2: You don't go to Chipotle at noon in New York City.

409
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Speaker 2: It's a line.

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Speaker 1: Yeah, Like honestly most of them we walk right up to,

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Speaker 1: like the line would basically was like just the line

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Speaker 1: to get on the ride. It wasn't like the line

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Speaker 1: waiting for everyone else. Yeah, it was in the Harry

414
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Speaker 1: Potter I guess like Little Worlds definitely better in Florida,

415
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Speaker 1: but it was dope in California too.

416
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Speaker 2: Oh really, I haven't been yet.

417
00:18:46,760 --> 00:18:48,480
Speaker 1: Yeah, I have to say overall I like the one

418
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Speaker 1: in California better, but there were sections of the Florida

419
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Speaker 1: one that I like better. Like their Harry Potter World

420
00:18:55,240 --> 00:18:58,359
Speaker 1: is more convincing, like literally with the way they do it,

421
00:18:58,359 --> 00:19:01,240
Speaker 1: it's like you to enter the Harry World, you slipped

422
00:19:01,240 --> 00:19:02,479
Speaker 1: through like a like a war.

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Speaker 2: Do tell me, don't tell me.

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Speaker 1: Sorry, Oh my god, what are you doing? Sorry? Yeah, anyway,

425
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Speaker 1: it's just dope.

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Speaker 2: Sorry, I fade. I'm waiting. I'm waiting with baited breath

427
00:19:14,400 --> 00:19:16,240
Speaker 2: for my copy of the Harry Potter and the Cursed

428
00:19:16,280 --> 00:19:17,480
Speaker 2: Child book that's coming out.

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Speaker 1: Who's another one next week?

430
00:19:19,240 --> 00:19:21,719
Speaker 2: Well? Then you know how they're doing the play in London. Okay,

431
00:19:21,880 --> 00:19:25,000
Speaker 2: they are releasing the play like the script basically as

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Speaker 2: a book. Okay, so it's almost like an eighth Harry

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Speaker 2: Potter book. It basically is an eighth Harry Potter book.

434
00:19:30,320 --> 00:19:32,000
Speaker 2: And I told you were My brother and I are

435
00:19:32,000 --> 00:19:33,520
Speaker 2: going to London to see this play.

436
00:19:33,400 --> 00:19:35,159
Speaker 1: Right, yeah, you told me that's awesome.

437
00:19:35,160 --> 00:19:38,120
Speaker 2: So that we booked our airbnb, which ended up costing us.

438
00:19:38,160 --> 00:19:40,000
Speaker 2: It was about nine hundred dollars, but it would have

439
00:19:40,040 --> 00:19:42,800
Speaker 2: cost us like fifteen hundred minimum to do a hotel.

440
00:19:42,840 --> 00:19:46,040
Speaker 2: So I'm looking forward to staying in this cool apartment.

441
00:19:47,840 --> 00:19:50,320
Speaker 2: Oh yeah, if you guys have any cheap travel tips

442
00:19:50,320 --> 00:19:52,879
Speaker 2: in London. Also, it's only a four day trip, so

443
00:19:53,600 --> 00:19:54,960
Speaker 2: let me know where I should go and what I

444
00:19:54,960 --> 00:19:58,200
Speaker 2: should see. I'm excited. That's in September.

445
00:19:58,720 --> 00:20:00,760
Speaker 1: London is not my favorite I know, people are like

446
00:20:00,800 --> 00:20:02,399
Speaker 1: I love London. I don't know. I've been twice and

447
00:20:02,440 --> 00:20:04,720
Speaker 1: I was just kind of like, it's expensive, you know

448
00:20:04,720 --> 00:20:07,000
Speaker 1: what it is about London, There's nothing wrong with it.

449
00:20:07,040 --> 00:20:09,720
Speaker 1: But when I when I the two times I've been,

450
00:20:10,160 --> 00:20:12,440
Speaker 1: I was like, oh, cleaner New York. Hey, how you doing?

451
00:20:13,600 --> 00:20:16,320
Speaker 1: You know, so like the big city. Yeah, it's just no,

452
00:20:16,400 --> 00:20:19,119
Speaker 1: It's like, it's a nice city. But it just felt

453
00:20:19,160 --> 00:20:22,280
Speaker 1: like a New York without like, you know, as much trash.

454
00:20:22,359 --> 00:20:24,399
Speaker 1: And so I like when I go places to feel

455
00:20:24,440 --> 00:20:28,720
Speaker 1: like I'm not in Kansas anymore, you know, and like

456
00:20:28,800 --> 00:20:33,040
Speaker 1: London gave me like a feeling of familiar familiarity. I'm

457
00:20:33,040 --> 00:20:35,240
Speaker 1: sure I'm saying it incorrectly because my tongue has given

458
00:20:35,240 --> 00:20:39,320
Speaker 1: me twisties, but yeah, so London just made it felt

459
00:20:39,359 --> 00:20:40,919
Speaker 1: like almost like home. So I was like, well, why

460
00:20:40,920 --> 00:20:42,680
Speaker 1: am I spending all this money to feel like home?

461
00:20:42,840 --> 00:20:45,760
Speaker 2: That's that's when I moved to Chile after college, I

462
00:20:45,800 --> 00:20:48,480
Speaker 2: moved to Santiago, Chile, And before I left, my mom

463
00:20:48,560 --> 00:20:51,320
Speaker 2: was like do they live in huts down there?

464
00:20:51,480 --> 00:20:51,560
Speaker 1: Like?

465
00:20:51,600 --> 00:20:53,240
Speaker 2: Where are you going to be staying? My mother is

466
00:20:53,280 --> 00:20:56,320
Speaker 2: just God bless her thinks that anything so anything not

467
00:20:56,359 --> 00:20:58,520
Speaker 2: in America is like the Third World, and I'm like,

468
00:20:58,680 --> 00:21:01,160
Speaker 2: uh no, it's Santiago. When I got off the flight,

469
00:21:01,200 --> 00:21:03,200
Speaker 2: the first thing I saw was block was not Blockbuster.

470
00:21:03,280 --> 00:21:07,200
Speaker 2: It was Dunkin Donuts, Duncan Donuts and KFC. And part

471
00:21:07,200 --> 00:21:09,320
Speaker 2: of me was like, oh, because I'm like ready to

472
00:21:09,320 --> 00:21:11,920
Speaker 2: go on this grand adventure in South America, and I'm like, oh,

473
00:21:12,000 --> 00:21:14,879
Speaker 2: I can get a Domino's pizza if i'd get hungry.

474
00:21:14,880 --> 00:21:17,480
Speaker 2: That's good. It's great. And like everyone there loves the

475
00:21:17,520 --> 00:21:20,520
Speaker 2: American brand, so there's McDonald's and like, you know, all

476
00:21:20,560 --> 00:21:23,320
Speaker 2: that stuff. It's hard. America has such a huge influence

477
00:21:23,359 --> 00:21:26,119
Speaker 2: on the rest of the world. It's hard to go

478
00:21:26,200 --> 00:21:30,560
Speaker 2: anywhere and not feel like see those little businesses and

479
00:21:30,560 --> 00:21:31,080
Speaker 2: stuff like that.

480
00:21:31,080 --> 00:21:35,480
Speaker 1: Abroad, You're right, you go someplace, you're like, oh.

481
00:21:34,560 --> 00:21:37,359
Speaker 2: Well, we're gonna make this Harry Potter London trip, so

482
00:21:38,160 --> 00:21:40,560
Speaker 2: Westminster Abbey. I might come look at you, uncle Ben,

483
00:21:40,600 --> 00:21:43,960
Speaker 2: maybe you'll get a passing glance, but it's only a

484
00:21:43,960 --> 00:21:45,639
Speaker 2: half four days. I need to be more like, I

485
00:21:45,680 --> 00:21:49,000
Speaker 2: need to be more strategic with our sight seeing.

486
00:21:49,760 --> 00:21:51,639
Speaker 1: I always get on one of those big winterf I travel.

487
00:21:51,640 --> 00:21:53,639
Speaker 1: I always do one of those double decker buses like

488
00:21:53,680 --> 00:21:54,600
Speaker 1: by that pass.

489
00:21:54,840 --> 00:21:56,520
Speaker 2: Oh yeah, you were talking about that before. I wonder

490
00:21:56,600 --> 00:21:58,320
Speaker 2: what the costs in London? Have you done it there before?

491
00:21:58,440 --> 00:22:00,840
Speaker 1: M h, I did? What was it? I remember, it's

492
00:22:00,880 --> 00:22:03,359
Speaker 1: just being comparable to what it costs here. But you

493
00:22:03,400 --> 00:22:04,919
Speaker 1: know how it's like good to pass. It's good for

494
00:22:04,920 --> 00:22:06,480
Speaker 1: three days. And when we would use it as like

495
00:22:06,920 --> 00:22:09,360
Speaker 1: a fake taxi, like okay, first day, we just ride

496
00:22:09,440 --> 00:22:11,960
Speaker 1: it all through, second day we would just get off

497
00:22:12,000 --> 00:22:14,359
Speaker 1: where we wanted to get off. And then third day

498
00:22:14,440 --> 00:22:18,760
Speaker 1: usually we'd gifted to somebody, Oh you can do that, well, yeah,

499
00:22:18,800 --> 00:22:20,280
Speaker 1: cause you know it's like so they give you like

500
00:22:20,280 --> 00:22:23,760
Speaker 1: this random long receipt thing and it's basically good for

501
00:22:23,760 --> 00:22:25,679
Speaker 1: three days. So I don't know if the same company

502
00:22:25,720 --> 00:22:29,280
Speaker 1: owns the red double deck buses in every country or

503
00:22:29,320 --> 00:22:32,520
Speaker 1: most countries, but there is usually the same thing. It's

504
00:22:32,560 --> 00:22:35,480
Speaker 1: just hop on, hop off, and it's good for three days.

505
00:22:35,520 --> 00:22:38,679
Speaker 1: But after day one or two, I'm usually good, and

506
00:22:38,760 --> 00:22:41,399
Speaker 1: so like the last day that I'm using it, I

507
00:22:41,440 --> 00:22:43,840
Speaker 1: usually give it to someone like, hey, you want it,

508
00:22:43,840 --> 00:22:45,919
Speaker 1: It's still good for tomorrow because it's not like your

509
00:22:46,040 --> 00:22:46,879
Speaker 1: name is on it, you know.

510
00:22:47,200 --> 00:22:49,520
Speaker 2: And then does the hobo say they'd rather have a sandwich.

511
00:22:50,200 --> 00:22:51,520
Speaker 1: No, I don't give it to like the hobo, like

512
00:22:51,520 --> 00:22:52,800
Speaker 1: give it to like tourists.

513
00:22:53,359 --> 00:22:55,080
Speaker 2: Have you ever had that happen to you. I gave

514
00:22:55,119 --> 00:22:57,560
Speaker 2: a sorry to call them a hobo, but I gave

515
00:22:57,560 --> 00:23:00,720
Speaker 2: a homeless person. I was walking in to Dwayne Reid

516
00:23:00,960 --> 00:23:03,200
Speaker 2: and I was like, oh, you know they have sandwiches

517
00:23:03,200 --> 00:23:04,960
Speaker 2: in here. Can I grab you something for lunch? And

518
00:23:05,000 --> 00:23:06,359
Speaker 2: he was like, man, I'm trying to get a sub

519
00:23:06,400 --> 00:23:08,800
Speaker 2: boy sandwich. I was like, well, then go stand outside

520
00:23:08,800 --> 00:23:14,400
Speaker 2: a subway, like what New York City so homeless?

521
00:23:14,840 --> 00:23:17,600
Speaker 1: Right? Well? I remember one time a woman was like like,

522
00:23:17,760 --> 00:23:19,480
Speaker 1: well it was a homeless woman. She was outside and

523
00:23:19,520 --> 00:23:21,720
Speaker 1: she was like, oh, so cold, I need socks. And

524
00:23:21,800 --> 00:23:23,639
Speaker 1: I actually was headed to a place where I was

525
00:23:23,720 --> 00:23:25,719
Speaker 1: donating socks and I was like, oh my gosh, you're

526
00:23:25,760 --> 00:23:28,720
Speaker 1: in luck here new pack of new socks. She was like, oh,

527
00:23:29,240 --> 00:23:31,080
Speaker 1: I actually want to pick up my own socks. So

528
00:23:31,240 --> 00:23:33,320
Speaker 1: if you got money, I was like, girl off bye.

529
00:23:33,920 --> 00:23:34,200
Speaker 2: Yeah.

530
00:23:35,920 --> 00:23:37,800
Speaker 1: I know. She wasn't expecting me to have socks in

531
00:23:37,840 --> 00:23:38,280
Speaker 1: my pocket.

532
00:23:38,520 --> 00:23:42,080
Speaker 2: Serious, I didn't mean that literally, darling.

533
00:23:42,359 --> 00:23:53,320
Speaker 1: Right, socks it's figurative for a money.

534
00:23:53,680 --> 00:23:55,080
Speaker 2: Shall we shall we boost and break?

535
00:23:55,520 --> 00:23:57,879
Speaker 1: Yes? I think I'm going to boost and boost. I

536
00:23:57,880 --> 00:23:59,719
Speaker 1: thought you said you're going to boost, right, I'm going

537
00:23:59,760 --> 00:24:01,600
Speaker 1: to Yeah, Yeah, I'm gonna boost too.

538
00:24:01,920 --> 00:24:03,840
Speaker 2: It's gonna be a positive boosting episode.

539
00:24:04,080 --> 00:24:06,440
Speaker 1: Yeah. You know what boosting means though in the hood, right,

540
00:24:07,400 --> 00:24:09,480
Speaker 1: like stealing something, Yeah, and then selling it.

541
00:24:10,359 --> 00:24:13,200
Speaker 2: I got some street credit, right, I don't sound like it.

542
00:24:13,800 --> 00:24:16,719
Speaker 2: That's my mama from the Midwest, her influence. But uh,

543
00:24:17,160 --> 00:24:20,240
Speaker 2: I've seen much. I've seen much in my young life.

544
00:24:21,119 --> 00:24:22,639
Speaker 1: So you want to go first with the boost in.

545
00:24:23,280 --> 00:24:26,000
Speaker 2: Yeah. So this is something I've started doing the past

546
00:24:26,000 --> 00:24:28,280
Speaker 2: couple of years. And you call me crazy, but I

547
00:24:28,400 --> 00:24:32,680
Speaker 2: like to buy presents months in advance, like months before

548
00:24:32,720 --> 00:24:37,560
Speaker 2: the actual occasion. I'm talking weddings, birthdays, Christmas. And I

549
00:24:37,640 --> 00:24:40,320
Speaker 2: do this for a couple of reasons. One because I

550
00:24:40,359 --> 00:24:43,840
Speaker 2: don't like Christmas time coming around, or you know the

551
00:24:43,880 --> 00:24:46,600
Speaker 2: September when everybody all the New Year's babies have birthdays

552
00:24:46,600 --> 00:24:48,639
Speaker 2: come around, and like all of a sudden, you have

553
00:24:48,680 --> 00:24:50,920
Speaker 2: fifteen parties to go to and fifteen gifts to give,

554
00:24:51,000 --> 00:24:54,760
Speaker 2: and like it's really overwhelming budget wise. So I buy

555
00:24:54,800 --> 00:24:57,240
Speaker 2: stuff months in advance. And it's not just to save money,

556
00:24:57,320 --> 00:24:59,000
Speaker 2: so that I'm not spending a ton of money, like

557
00:24:59,080 --> 00:25:02,040
Speaker 2: all at one time at a certain time, excuse me,

558
00:25:02,040 --> 00:25:05,040
Speaker 2: in a certain time of year. But it's like I

559
00:25:05,080 --> 00:25:07,320
Speaker 2: have this if there's a halo effect, I think when

560
00:25:07,359 --> 00:25:09,680
Speaker 2: you buy gifts for other people where it just puts

561
00:25:09,720 --> 00:25:12,000
Speaker 2: me in a really good mood. And that sounds really corny,

562
00:25:12,040 --> 00:25:14,439
Speaker 2: I know, but it happened with the Hamilton tickets. So

563
00:25:14,520 --> 00:25:18,040
Speaker 2: I bought those for my fiance back in September and

564
00:25:18,160 --> 00:25:20,560
Speaker 2: up until like February when I finally cracked and told

565
00:25:20,640 --> 00:25:23,480
Speaker 2: him what he was getting for his birthday. Like it

566
00:25:23,560 --> 00:25:26,040
Speaker 2: was so exciting to have that secret and to keep

567
00:25:26,080 --> 00:25:28,160
Speaker 2: imagining all the different ways I was gonna tell him,

568
00:25:28,480 --> 00:25:30,919
Speaker 2: none of which actually happened because I just spilled it

569
00:25:30,960 --> 00:25:33,080
Speaker 2: to him, you know, like on the couch at home.

570
00:25:33,440 --> 00:25:35,440
Speaker 2: But I don't know, it makes me feel so good

571
00:25:35,440 --> 00:25:37,439
Speaker 2: to know that this surprise is coming. And I just

572
00:25:37,480 --> 00:25:40,840
Speaker 2: like knowing stuff other people don't know, Like you have

573
00:25:40,840 --> 00:25:43,760
Speaker 2: no idea what's coming. You're gonna love this. And I

574
00:25:43,800 --> 00:25:46,320
Speaker 2: was thinking about this because I bought my mom's hope,

575
00:25:46,359 --> 00:25:49,440
Speaker 2: if she's listening, I bought my mom's Christmas gift yesterday,

576
00:25:49,640 --> 00:25:53,920
Speaker 2: and let me just tell you, she is gonna flip out.

577
00:25:54,200 --> 00:25:56,960
Speaker 2: Oh my god, I'm like, and it's so like I'm

578
00:25:57,000 --> 00:25:59,480
Speaker 2: just imagining her face and her reaction just right now,

579
00:25:59,520 --> 00:26:02,560
Speaker 2: and it's me so much of the feels. She's gonna

580
00:26:02,560 --> 00:26:04,640
Speaker 2: love it, and it's gonna be an experience for both

581
00:26:04,680 --> 00:26:09,080
Speaker 2: of us to share anyway. So if you want to

582
00:26:09,280 --> 00:26:12,320
Speaker 2: give yourself the happy feels, or at least start preparing,

583
00:26:12,480 --> 00:26:14,280
Speaker 2: like think about what you're gonna get, so and so

584
00:26:14,359 --> 00:26:19,080
Speaker 2: for Christmas in July, I highly recommend it. That is all.

585
00:26:19,160 --> 00:26:20,280
Speaker 2: That's my boost.

586
00:26:21,000 --> 00:26:22,679
Speaker 1: I like that. I I mean, I can see that

587
00:26:22,880 --> 00:26:26,000
Speaker 1: like giving gifts the I'm the world, Like I enjoy

588
00:26:26,040 --> 00:26:28,720
Speaker 1: giving gifts as far as the reaction, but I'm so

589
00:26:28,760 --> 00:26:31,399
Speaker 1: bad at like pre planning. Like Superman's birthday is on

590
00:26:31,480 --> 00:26:35,280
Speaker 1: August third, and I'm like, wait, I should probably get

591
00:26:35,320 --> 00:26:36,040
Speaker 1: his gifts, so.

592
00:26:37,320 --> 00:26:39,199
Speaker 2: Because if you don't, then it's the last minute and

593
00:26:39,200 --> 00:26:41,080
Speaker 2: then you're running around and you're all stressed, and then

594
00:26:41,080 --> 00:26:42,080
Speaker 2: you're like, oh god, I got.

595
00:26:41,920 --> 00:26:44,200
Speaker 1: Something, but like you want to get the right thing,

596
00:26:44,200 --> 00:26:45,320
Speaker 1: and I know what I want to get him too.

597
00:26:45,400 --> 00:26:48,840
Speaker 1: I know, like he we were he checked into the hospital,

598
00:26:48,880 --> 00:26:50,800
Speaker 1: like I don't know, he like had some headaches and

599
00:26:51,040 --> 00:26:53,040
Speaker 1: remember he had the aneurysm. So whenever he has like

600
00:26:53,040 --> 00:26:55,199
Speaker 1: a bad headache, he's like going to the hospital, you know,

601
00:26:55,320 --> 00:26:57,040
Speaker 1: just to be on the safe side. But it was

602
00:26:57,119 --> 00:26:59,160
Speaker 1: ended up being nothing. But he had to go through

603
00:26:59,200 --> 00:27:02,840
Speaker 1: the that huge magnet thing. What is that thing called?

604
00:27:04,520 --> 00:27:06,840
Speaker 1: You know, it's like a circle, but it's a magnet anyway,

605
00:27:06,920 --> 00:27:08,359
Speaker 1: So he had to take off his watch and he

606
00:27:08,520 --> 00:27:11,040
Speaker 1: left his favorite watch there and by the time he

607
00:27:11,200 --> 00:27:13,280
Speaker 1: remembered and he got went back and tried to call,

608
00:27:13,280 --> 00:27:15,199
Speaker 1: of course nobody saw it, which I thought was terrible.

609
00:27:15,280 --> 00:27:18,800
Speaker 2: Oh no, the hospital. At the hospital, they have a

610
00:27:18,800 --> 00:27:20,080
Speaker 2: metal detector at the hospital.

611
00:27:20,400 --> 00:27:22,800
Speaker 1: No, he went through that MRI. That's what it was.

612
00:27:22,920 --> 00:27:24,560
Speaker 2: Oh oh the metal.

613
00:27:24,760 --> 00:27:27,600
Speaker 1: I was like, the circular magnetic thing. I know. You

614
00:27:27,600 --> 00:27:32,680
Speaker 1: were like, I don't know what she's done? What mr.

615
00:27:32,840 --> 00:27:34,800
Speaker 1: So he had to take off his watch and yeah,

616
00:27:34,840 --> 00:27:36,680
Speaker 1: so he was like really like, you know, doubt about it.

617
00:27:36,720 --> 00:27:39,959
Speaker 1: And in my mind I was seeking meanwhile, that watch

618
00:27:40,359 --> 00:27:42,200
Speaker 1: that was living with Jesus because that watch was given

619
00:27:42,240 --> 00:27:43,960
Speaker 1: to him by his ex girlfriend. But you know, I'm

620
00:27:43,960 --> 00:27:45,320
Speaker 1: not going to tell you to give because I have stuff.

621
00:27:46,240 --> 00:27:48,000
Speaker 1: So you know, I was like, well, I mean I

622
00:27:48,040 --> 00:27:51,600
Speaker 1: feel bad, but it so I was like, well, I'm

623
00:27:51,640 --> 00:27:53,399
Speaker 1: going to replace it give a nice watch, you know,

624
00:27:54,320 --> 00:27:55,600
Speaker 1: And so that's what I want to give him for

625
00:27:55,680 --> 00:27:58,399
Speaker 1: his birthday. But I have not done the search.

626
00:27:58,600 --> 00:27:59,960
Speaker 2: I don't know what it is with men in their

627
00:28:00,040 --> 00:28:03,240
Speaker 2: damn watches. No, they are so expensive. I guess it's

628
00:28:03,240 --> 00:28:05,720
Speaker 2: like us and shoes. You know. I can use gender

629
00:28:05,760 --> 00:28:10,919
Speaker 2: stereotypes for a minute, but I yeah, and fiance has like,

630
00:28:11,359 --> 00:28:14,560
Speaker 2: legitimately seriously put we have a we share pinterress boards,

631
00:28:14,640 --> 00:28:16,960
Speaker 2: you know, so we can when there's like a you know,

632
00:28:16,960 --> 00:28:18,320
Speaker 2: a holiday coming up. I like to look at his

633
00:28:18,320 --> 00:28:20,120
Speaker 2: pintress board. What's what is he like today or what's

634
00:28:20,160 --> 00:28:22,680
Speaker 2: he looking at whatever. It's a good way. I think

635
00:28:22,680 --> 00:28:26,439
Speaker 2: it's a smart way to like share ideas. Anyway, he

636
00:28:26,560 --> 00:28:29,520
Speaker 2: like seriously puts five thousand dollars watches on his pintress board,

637
00:28:29,520 --> 00:28:34,800
Speaker 2: and I'm like, can we try more attainable goals like

638
00:28:35,040 --> 00:28:36,160
Speaker 2: a puppy.

639
00:28:36,400 --> 00:28:39,400
Speaker 1: Right, or or a unicorn? You're not getting a dag

640
00:28:39,400 --> 00:28:43,760
Speaker 1: on I'm not watching seriously now. Yeah, so I'm gonna

641
00:28:43,760 --> 00:28:47,920
Speaker 1: get him a nice walk. Oh okay, yeah, it sounded

642
00:28:47,960 --> 00:28:51,360
Speaker 1: like something fell hard downstairs. I didn't anybody scream, so

643
00:28:51,560 --> 00:28:54,960
Speaker 1: oh God, everybody's alive. So here is my boost. My

644
00:28:54,960 --> 00:28:57,040
Speaker 1: boost is a little bit of fun. So you know,

645
00:28:57,080 --> 00:28:59,400
Speaker 1: we all know the last few weeks have been hard

646
00:28:59,640 --> 00:29:03,680
Speaker 1: for brown a bishing community, just with all the violence

647
00:29:03,760 --> 00:29:08,560
Speaker 1: and all the the police just stuff that's happening, and

648
00:29:08,720 --> 00:29:12,320
Speaker 1: just you know, our community is just it's a sad time,

649
00:29:12,480 --> 00:29:15,640
Speaker 1: I'll say that, and a hard time. And so there's

650
00:29:15,680 --> 00:29:17,960
Speaker 1: this woman. I don't know what her real name is,

651
00:29:18,040 --> 00:29:23,680
Speaker 1: but she has kind of popped up from the from

652
00:29:23,720 --> 00:29:26,560
Speaker 1: Instagram and she's hilarious. She's actually a young woman, but

653
00:29:27,160 --> 00:29:29,840
Speaker 1: she's like an Instagram comedian. She's just a comedian. And

654
00:29:29,960 --> 00:29:35,360
Speaker 1: her video she portrays this older woman named Shirlene s

655
00:29:35,560 --> 00:29:37,400
Speaker 1: h I R L e E N sure.

656
00:29:38,240 --> 00:29:43,360
Speaker 2: Yeah, sorry, I'm very sorry.

657
00:29:43,800 --> 00:29:47,719
Speaker 1: And she is, when I say hilarious, huh lay, if

658
00:29:47,760 --> 00:29:52,000
Speaker 1: anybody has ever gone to church like Southern Baptist, just

659
00:29:52,000 --> 00:29:55,240
Speaker 1: just and knows any old black woman from church, that

660
00:29:55,440 --> 00:29:58,920
Speaker 1: is Shirlene. She is sassy, she is funny, and you

661
00:29:59,000 --> 00:30:01,200
Speaker 1: can't it's hard to imagine this is actually a young

662
00:30:01,240 --> 00:30:05,680
Speaker 1: woman because she has the clothes, the look, the mannerisms,

663
00:30:05,480 --> 00:30:09,360
Speaker 1: the wig, just everything like an old black woman from church.

664
00:30:09,400 --> 00:30:12,400
Speaker 1: And she her videos it's all clean. She doesn't curse

665
00:30:12,400 --> 00:30:16,440
Speaker 1: in them. She's clearly Christian because her all of her

666
00:30:17,320 --> 00:30:19,360
Speaker 1: comedy kind of like surrounds like church and stuff. But

667
00:30:19,600 --> 00:30:21,800
Speaker 1: when I say hilarious, So if you kind of need

668
00:30:21,800 --> 00:30:24,120
Speaker 1: a break from all of the doom and gloom, then

669
00:30:24,360 --> 00:30:30,400
Speaker 1: head to her Instagram. Accrown, it's the christ Eye Show, the.

670
00:30:30,400 --> 00:30:31,520
Speaker 2: Christ the Christie Show.

671
00:30:31,840 --> 00:30:37,520
Speaker 1: I think so too, And I'm like, it's spelled the

672
00:30:37,640 --> 00:30:38,320
Speaker 1: Christy Show.

673
00:30:38,520 --> 00:30:41,400
Speaker 2: Sure, it's the Christie Show. I'm like, it's spelled Christie

674
00:30:41,400 --> 00:30:42,719
Speaker 2: with an eye. That's what's happening.

675
00:30:45,280 --> 00:30:48,080
Speaker 1: Anyway, go ahead and get you some Charlene or just

676
00:30:48,160 --> 00:30:51,320
Speaker 1: hashtag Chirleine. So if you need a little giggle, I'm

677
00:30:51,320 --> 00:30:53,560
Speaker 1: telling you will get your life. She is everything the

678
00:30:53,640 --> 00:30:58,920
Speaker 1: Christie Show on Instagram and hashtag Charlene and you're gonna

679
00:30:58,920 --> 00:31:00,200
Speaker 1: get your life. You just will.

680
00:31:00,520 --> 00:31:01,960
Speaker 2: And after that you should look at the Care for

681
00:31:02,040 --> 00:31:04,200
Speaker 2: You Black Kids hashtag on Twitter.

682
00:31:04,320 --> 00:31:06,080
Speaker 1: Oh yeah, I did that that day, he said it,

683
00:31:06,120 --> 00:31:07,600
Speaker 1: and it was everything as well.

684
00:31:08,400 --> 00:31:11,400
Speaker 2: Any little silver linings in the tragic world we live in.

685
00:31:11,840 --> 00:31:13,320
Speaker 1: Oh, let me tell you a little silver lining. So

686
00:31:13,360 --> 00:31:15,840
Speaker 1: on my way back from Florida, I saw this, like

687
00:31:16,280 --> 00:31:20,320
Speaker 1: big beefy guy. He looked like what, I don't know,

688
00:31:20,360 --> 00:31:24,080
Speaker 1: like a bodybuilder almost, and I was sitting in.

689
00:31:24,000 --> 00:31:26,800
Speaker 2: Like, say's a silver lining contend you now?

690
00:31:26,840 --> 00:31:29,560
Speaker 1: But then with him seemed like you ever look at

691
00:31:29,560 --> 00:31:31,280
Speaker 1: people You're like, oh, that's a different match, because he

692
00:31:31,320 --> 00:31:33,040
Speaker 1: was this big, beefy white guy and he was with

693
00:31:33,080 --> 00:31:35,920
Speaker 1: a skinny, little like black little boy looked maybe about

694
00:31:35,920 --> 00:31:37,920
Speaker 1: seven eight years old, and I was wondering, I'm like, oh,

695
00:31:37,920 --> 00:31:41,360
Speaker 1: what's their story? So we ended up chatting and he said, oh,

696
00:31:41,360 --> 00:31:43,600
Speaker 1: I'm a lawyer, which that took me by surprise because

697
00:31:43,640 --> 00:31:46,360
Speaker 1: he legitimately looked like a professional wrestler, like he was

698
00:31:46,400 --> 00:31:49,280
Speaker 1: exploding out of his clothes, like as far as his muscles.

699
00:31:49,680 --> 00:31:52,320
Speaker 1: And so he said, I'm a lawyer and I'm taking

700
00:31:52,360 --> 00:31:53,960
Speaker 1: He's like, I was on my way to Newark to

701
00:31:54,120 --> 00:31:57,160
Speaker 1: visit my family, and I just finished the paperwork for

702
00:31:57,400 --> 00:32:00,360
Speaker 1: this young kid right here. He's he just found a

703
00:32:00,400 --> 00:32:03,160
Speaker 1: foster family. And they asked me, you know, since you're

704
00:32:03,200 --> 00:32:05,520
Speaker 1: going to New York anyway, can you take him and

705
00:32:05,560 --> 00:32:08,200
Speaker 1: his foster family would meet you at the airport. And

706
00:32:08,240 --> 00:32:10,320
Speaker 1: I was like, oh wow, that real. Yeah, And it

707
00:32:10,400 --> 00:32:13,240
Speaker 1: was just like and like, honestly, this little boy was

708
00:32:13,280 --> 00:32:16,800
Speaker 1: just like so happy, go lucky, just you know, little kids,

709
00:32:16,840 --> 00:32:19,280
Speaker 1: bopping around and playing with stuff and touching everything he's

710
00:32:19,320 --> 00:32:22,400
Speaker 1: not supposed to touch, but being like a kid, you know.

711
00:32:23,720 --> 00:32:25,400
Speaker 1: And so the guy was really great with him, and

712
00:32:25,400 --> 00:32:26,840
Speaker 1: he was just like, you know, so when you get

713
00:32:26,840 --> 00:32:28,360
Speaker 1: to New York, if you see balloons and a sign,

714
00:32:28,400 --> 00:32:30,120
Speaker 1: it's for him. And I was like okay, and I

715
00:32:30,120 --> 00:32:32,040
Speaker 1: didn't think anything of it. Like we were on the flight,

716
00:32:32,120 --> 00:32:34,240
Speaker 1: we sat in different places, and then when I got off,

717
00:32:34,800 --> 00:32:37,720
Speaker 1: I saw this family. It was a woman, she was right,

718
00:32:37,840 --> 00:32:40,840
Speaker 1: her husband was black, and they had their daughter with

719
00:32:40,920 --> 00:32:42,760
Speaker 1: them and they were sitting on the steps kind of

720
00:32:42,800 --> 00:32:44,680
Speaker 1: like you know, like do the do, waiting and they

721
00:32:44,720 --> 00:32:47,080
Speaker 1: had balloons and a sign that said like, you know,

722
00:32:47,160 --> 00:32:50,320
Speaker 1: welcome home. I forget the little boy's name, and I

723
00:32:50,400 --> 00:32:52,240
Speaker 1: walked up to them because he was still I guess

724
00:32:52,280 --> 00:32:54,560
Speaker 1: waiting for his like luggage and stuff, and I said

725
00:32:54,560 --> 00:32:56,280
Speaker 1: are you waiting for? Like as soon as I said

726
00:32:56,280 --> 00:32:58,880
Speaker 1: are you waiting for? The woman lit up and she

727
00:32:58,920 --> 00:33:01,240
Speaker 1: was like, yes, that he's on his way and he

728
00:33:01,400 --> 00:33:03,800
Speaker 1: is so adorable, and she put her hand to her

729
00:33:03,840 --> 00:33:06,360
Speaker 1: heart and made that like only mom make face, you know,

730
00:33:06,880 --> 00:33:11,040
Speaker 1: you know, the face, like, oh that face, and it

731
00:33:11,120 --> 00:33:14,240
Speaker 1: was just so honestly, I just wanted to roll around

732
00:33:14,240 --> 00:33:15,800
Speaker 1: and like the love they had for this little boy

733
00:33:15,840 --> 00:33:16,960
Speaker 1: that they hadn't even met yet.

734
00:33:17,120 --> 00:33:18,080
Speaker 2: How old was the boy?

735
00:33:18,520 --> 00:33:21,000
Speaker 1: He looked to be about seven or eight years old.

736
00:33:20,960 --> 00:33:22,800
Speaker 2: And they were foster family.

737
00:33:22,600 --> 00:33:24,880
Speaker 1: Or yeah, well faster I think. I don't know if

738
00:33:24,920 --> 00:33:27,080
Speaker 1: they were. I don't know that. That's what I thought

739
00:33:27,160 --> 00:33:29,480
Speaker 1: was so great because it was his foster family, and

740
00:33:29,520 --> 00:33:32,120
Speaker 1: but it looked like, honestly by the way they came

741
00:33:32,160 --> 00:33:34,720
Speaker 1: out for him that you know, I would not be

742
00:33:34,760 --> 00:33:37,080
Speaker 1: surprised if they didn't adopt him, like you know, with time.

743
00:33:37,160 --> 00:33:38,560
Speaker 1: You know, that's nice.

744
00:33:38,600 --> 00:33:42,000
Speaker 2: You know, my big sister, she just her and her

745
00:33:42,120 --> 00:33:45,920
Speaker 2: wife just signed up for the just like got onboarded

746
00:33:45,960 --> 00:33:50,320
Speaker 2: into the foster system in Wisconsin where they live, and

747
00:33:50,360 --> 00:33:52,280
Speaker 2: it's like it's a long process. It takes like a year,

748
00:33:52,760 --> 00:33:57,040
Speaker 2: but they want to adopt really bad. So I'm gonna

749
00:33:57,280 --> 00:34:00,200
Speaker 2: I'm gonna share because I wonder I know what foster

750
00:34:00,400 --> 00:34:02,680
Speaker 2: is different than adoption and the process takes a long time,

751
00:34:02,800 --> 00:34:05,360
Speaker 2: but I'm gonna have to have to pick her brain

752
00:34:05,440 --> 00:34:08,160
Speaker 2: about like what it's actually like to foster a kid. Yeah,

753
00:34:08,200 --> 00:34:09,759
Speaker 2: there's so many kids out there.

754
00:34:09,960 --> 00:34:12,319
Speaker 1: Right, and you know, like honestly, like I mean, it's

755
00:34:12,360 --> 00:34:14,520
Speaker 1: just it doesn't take anything but a Google search to

756
00:34:14,520 --> 00:34:18,279
Speaker 1: find out that black boys are the least likely to

757
00:34:18,320 --> 00:34:20,760
Speaker 1: be taken in let alone black boys who are not babies.

758
00:34:21,080 --> 00:34:23,759
Speaker 2: Yes, I made her promise to adopt a black boy, and.

759
00:34:23,680 --> 00:34:26,680
Speaker 1: I just to see them be so excited about it,

760
00:34:26,760 --> 00:34:29,640
Speaker 1: and just to know that, like you know who I mean,

761
00:34:29,680 --> 00:34:31,200
Speaker 1: I don't know his life and what he's been through

762
00:34:31,239 --> 00:34:33,759
Speaker 1: he but just to know that like at the very

763
00:34:33,880 --> 00:34:36,640
Speaker 1: least at the onset with this connection with this family,

764
00:34:36,680 --> 00:34:40,080
Speaker 1: that they were excited for him to come, and you know,

765
00:34:40,400 --> 00:34:42,319
Speaker 1: had already like pulled out some of the stops and

766
00:34:42,440 --> 00:34:44,600
Speaker 1: just were just excited to meet him. I just wanted

767
00:34:44,600 --> 00:34:46,000
Speaker 1: to like stay and like be a voyeur, but I

768
00:34:46,000 --> 00:34:52,000
Speaker 1: was like, Tivity, gome, Yeah, do we have questions?

769
00:34:52,360 --> 00:34:54,560
Speaker 2: We do have some questions and good questions this week.

770
00:34:54,560 --> 00:34:55,759
Speaker 2: I don't know if we're gonna get to all three

771
00:34:55,800 --> 00:34:57,759
Speaker 2: of them, but we're gonna start and see how how

772
00:34:57,840 --> 00:35:00,600
Speaker 2: much time it takes. Okay, the first this question is

773
00:35:00,600 --> 00:35:04,160
Speaker 2: from jah Tim. Thank you for spelling your name phonetically

774
00:35:04,440 --> 00:35:09,520
Speaker 2: for me. Shatim is twenty five years old, she said

775
00:35:09,560 --> 00:35:12,200
Speaker 2: she's entering. She says, I'm entering my fourth year of

776
00:35:12,239 --> 00:35:14,480
Speaker 2: earning a salary. I was a teacher and now I'm

777
00:35:14,520 --> 00:35:18,800
Speaker 2: starting a position with an education nonprofit. But my savings

778
00:35:18,800 --> 00:35:20,799
Speaker 2: and retirement are not where I'd like them to be

779
00:35:21,440 --> 00:35:24,799
Speaker 2: due to some moments in life. Quote unko, This is

780
00:35:24,800 --> 00:35:29,239
Speaker 2: a quote where Ish got real. It's actually really sad.

781
00:35:29,320 --> 00:35:33,080
Speaker 2: So sorry, yeah, it's it's sad, but those were her words.

782
00:35:33,800 --> 00:35:36,600
Speaker 2: She says. My first year working for my employer, my

783
00:35:36,640 --> 00:35:41,200
Speaker 2: employee match five percent, and my retirement was after about

784
00:35:41,239 --> 00:35:44,640
Speaker 2: after interest and investing eighteen hundred dollars, it was over

785
00:35:44,719 --> 00:35:48,080
Speaker 2: forty four hundred dollars. But my son passed away at

786
00:35:48,080 --> 00:35:51,120
Speaker 2: four weeks old due to SIDS, and I could not

787
00:35:51,200 --> 00:35:53,400
Speaker 2: return to the home and city where I was living

788
00:35:54,640 --> 00:35:57,480
Speaker 2: so far away from my family after such a traumatic event.

789
00:35:58,600 --> 00:36:01,359
Speaker 2: So fast forward two year and then my third year

790
00:36:01,400 --> 00:36:04,960
Speaker 2: of working, I moved into a town a townhouse and

791
00:36:05,040 --> 00:36:08,400
Speaker 2: use money from my emergency fund for my deposit. Then

792
00:36:08,440 --> 00:36:10,560
Speaker 2: I got into a car accident which wiped out my

793
00:36:10,600 --> 00:36:13,520
Speaker 2: savings from all the rental car fees, medical copays and

794
00:36:13,560 --> 00:36:17,520
Speaker 2: other things. Now July twenty sixteen, I only have about

795
00:36:17,520 --> 00:36:20,239
Speaker 2: two hundred dollars in savings more or less, and I

796
00:36:20,280 --> 00:36:23,600
Speaker 2: still have that forty eight hundred dollars in my retirement savings.

797
00:36:24,239 --> 00:36:27,440
Speaker 2: My new job does match three percent, and the plan

798
00:36:27,600 --> 00:36:30,440
Speaker 2: is interests yielding, but I'm still not sure about my

799
00:36:30,480 --> 00:36:34,040
Speaker 2: next steps. Her question is should I still contribute to

800
00:36:34,080 --> 00:36:36,840
Speaker 2: my retirement since I don't have any savings, or should

801
00:36:36,840 --> 00:36:39,080
Speaker 2: I meet a savings school and then contribute to my

802
00:36:39,120 --> 00:36:44,240
Speaker 2: retirement Jimjimjitim.

803
00:36:44,560 --> 00:36:46,719
Speaker 1: I know it's not Charlene, but you know what I mean.

804
00:36:48,200 --> 00:36:50,680
Speaker 1: I say, it's that possible to do both.

805
00:36:51,280 --> 00:36:53,640
Speaker 2: I think it can be possible to do both. I

806
00:36:53,640 --> 00:36:55,920
Speaker 2: would say so off the bat, her job is matching

807
00:36:55,960 --> 00:36:59,920
Speaker 2: three percent, I would contribute at least three percent. To

808
00:37:00,080 --> 00:37:01,840
Speaker 2: sit down and do the math, like how much is

809
00:37:01,880 --> 00:37:04,319
Speaker 2: three percent? And can you afford to set aside three

810
00:37:04,360 --> 00:37:08,960
Speaker 2: percent of your retirement and additionally save for your emergency

811
00:37:08,960 --> 00:37:11,520
Speaker 2: fund if you can make it both work, Like say

812
00:37:11,520 --> 00:37:14,000
Speaker 2: you put three percent into your retirement fund and then

813
00:37:14,160 --> 00:37:17,200
Speaker 2: five percent into a savings account. If you can make

814
00:37:17,200 --> 00:37:20,799
Speaker 2: that work, that's the ideal situation, because you don't want

815
00:37:20,800 --> 00:37:22,680
Speaker 2: to leave that money on the table. You don't they're

816
00:37:22,719 --> 00:37:23,720
Speaker 2: literally giving you money.

817
00:37:23,880 --> 00:37:27,080
Speaker 1: Yeah, so that three percent you should really strive to

818
00:37:27,160 --> 00:37:30,480
Speaker 1: set aside that three percent. And I don't think I

819
00:37:30,480 --> 00:37:31,879
Speaker 1: think a lot of people think that. Do you find

820
00:37:31,880 --> 00:37:34,560
Speaker 1: that many that people are like oh one or like

821
00:37:35,040 --> 00:37:36,759
Speaker 1: it's like when it takes all and they're like, oh,

822
00:37:36,800 --> 00:37:38,560
Speaker 1: I have debt and I want to say which one

823
00:37:38,560 --> 00:37:41,720
Speaker 1: should I do? And you're like, well, girl, I mean both.

824
00:37:42,320 --> 00:37:44,560
Speaker 2: Well that's the thing. I think it's the way you

825
00:37:44,600 --> 00:37:47,040
Speaker 2: think about debt versus savings. She doesn't have any debt,

826
00:37:47,080 --> 00:37:49,320
Speaker 2: doesn't sound like. But I would say for this, like,

827
00:37:49,360 --> 00:37:51,200
Speaker 2: you're getting three percent back on your money, so you

828
00:37:51,239 --> 00:37:53,160
Speaker 2: don't want to leave that money on the table. But

829
00:37:53,719 --> 00:37:56,239
Speaker 2: that money is going into retirement account that really is

830
00:37:56,280 --> 00:37:58,200
Speaker 2: difficult to touch, and if you do touch it, you're

831
00:37:58,200 --> 00:38:01,120
Speaker 2: gonna get hit with taxes, penalty, you know, ten You

832
00:38:01,120 --> 00:38:04,640
Speaker 2: can see ten percent losses or more probably more by

833
00:38:04,680 --> 00:38:07,160
Speaker 2: dipping into your emergency fund or dipping into your four

834
00:38:07,280 --> 00:38:09,200
Speaker 2: one K and using that as an emergency fund.

835
00:38:09,440 --> 00:38:09,680
Speaker 1: YEP.

836
00:38:09,960 --> 00:38:11,880
Speaker 2: So I would say, if it is that dire and

837
00:38:11,920 --> 00:38:14,880
Speaker 2: you really cannot afford to do both, and I would

838
00:38:15,000 --> 00:38:17,799
Speaker 2: suggest focusing on your savings because that's the money you're

839
00:38:17,800 --> 00:38:19,640
Speaker 2: gonna need to get one like you said, I mean,

840
00:38:19,719 --> 00:38:21,600
Speaker 2: weren't you so grateful you had that money when you

841
00:38:21,600 --> 00:38:23,959
Speaker 2: came to a car accident, Like that's why you don't

842
00:38:23,960 --> 00:38:27,000
Speaker 2: have credit card debt, which is amazing. I would say,

843
00:38:27,000 --> 00:38:31,840
Speaker 2: focus on building that back up and before you focus

844
00:38:31,840 --> 00:38:34,319
Speaker 2: on retirement. If you do the math and realize you

845
00:38:34,360 --> 00:38:35,759
Speaker 2: can't make both work.

846
00:38:36,040 --> 00:38:37,960
Speaker 1: Yeah, I mean I think, like let's just say, like

847
00:38:38,080 --> 00:38:40,600
Speaker 1: for the sake of argument, that you're like, okay, I

848
00:38:40,680 --> 00:38:43,320
Speaker 1: have four percent of my income. I mean, then I

849
00:38:43,320 --> 00:38:45,839
Speaker 1: would do two and two percent because I just feel

850
00:38:45,840 --> 00:38:50,200
Speaker 1: really strongly that retirement should not be neglected just because eventually,

851
00:38:50,480 --> 00:38:52,960
Speaker 1: you know, if you're fortunate enough, you get to an

852
00:38:53,000 --> 00:38:55,600
Speaker 1: age where you are not able to work, and it's

853
00:38:55,640 --> 00:38:59,000
Speaker 1: really like your younger self's job to look after your

854
00:38:59,000 --> 00:39:01,600
Speaker 1: older self, because at some point you're going to be

855
00:39:01,640 --> 00:39:03,680
Speaker 1: in a position where you cannot put the work in

856
00:39:04,000 --> 00:39:08,200
Speaker 1: to support yourself just physically you're not able, so you know,

857
00:39:08,400 --> 00:39:11,160
Speaker 1: and so, and also because putting aside for retirement really

858
00:39:11,160 --> 00:39:13,560
Speaker 1: is a habit, even if it's like, let's just say

859
00:39:13,560 --> 00:39:15,560
Speaker 1: you can't fully match and you're like, okay, I'm just

860
00:39:15,640 --> 00:39:19,400
Speaker 1: gonna do one percent, So I wouldn't I wouldn't sacrifice

861
00:39:20,320 --> 00:39:22,839
Speaker 1: retirement fully, even if you can't do a whole lot,

862
00:39:23,280 --> 00:39:25,560
Speaker 1: just getting into the habit of putting at least something

863
00:39:25,600 --> 00:39:28,279
Speaker 1: away and slowly inching toward where you want to be,

864
00:39:28,440 --> 00:39:29,840
Speaker 1: but work on both.

865
00:39:30,480 --> 00:39:32,799
Speaker 2: I think another thing people struggle with is figuring out

866
00:39:32,800 --> 00:39:34,840
Speaker 2: how much to save, and that's when you start the

867
00:39:34,920 --> 00:39:37,920
Speaker 2: rules like three months savings, three months of your income

868
00:39:37,960 --> 00:39:40,680
Speaker 2: and expenses saved in an emergency fund, or six months

869
00:39:40,760 --> 00:39:43,600
Speaker 2: or a year. She did give us a clue, so

870
00:39:43,719 --> 00:39:45,759
Speaker 2: it's hard to tell what her magic number should be

871
00:39:45,800 --> 00:39:48,280
Speaker 2: for savings because we don't know exactly what her expenses

872
00:39:48,320 --> 00:39:50,799
Speaker 2: are every month, but she does say that she had

873
00:39:50,840 --> 00:39:54,040
Speaker 2: to put down twelve hundred dollars for a deposit for

874
00:39:54,160 --> 00:39:57,000
Speaker 2: her townhouse, which I feel like that's probably her monthly payment.

875
00:39:57,520 --> 00:39:59,960
Speaker 2: So you want to have at least what three times

876
00:40:00,000 --> 00:40:02,560
Speaker 2: twelve hundred thirty six hundred. So if you just make

877
00:40:02,600 --> 00:40:05,239
Speaker 2: thirty six hundred your savings goal and then find out

878
00:40:05,239 --> 00:40:07,799
Speaker 2: how much you can contribute per month, you know over

879
00:40:07,840 --> 00:40:10,680
Speaker 2: how many months to get there, that's probably a good

880
00:40:10,680 --> 00:40:12,719
Speaker 2: place to start. But don't feel like you need to

881
00:40:12,719 --> 00:40:16,200
Speaker 2: have tens of thousands of dollars in your account. Before

882
00:40:16,239 --> 00:40:17,360
Speaker 2: you can save for retirement.

883
00:40:17,480 --> 00:40:22,640
Speaker 1: Yes, for sure, because that's just not true. All right, Jetim,

884
00:40:22,760 --> 00:40:23,600
Speaker 1: I hope you've helped.

885
00:40:23,640 --> 00:40:26,080
Speaker 2: We're sending you love Tim. It means I love you

886
00:40:26,120 --> 00:40:26,560
Speaker 2: in French.

887
00:40:27,120 --> 00:40:37,080
Speaker 1: I know. Well, okay, I'll say okito.

888
00:40:38,120 --> 00:40:44,160
Speaker 2: Meanwhile, okay, here's our next question. Who wants to be anonymous?

889
00:40:44,760 --> 00:40:46,960
Speaker 2: Here's what she said. She says, I am a reformed

890
00:40:47,120 --> 00:40:50,440
Speaker 2: mishandler of credit cards. I still have some debt, but

891
00:40:50,480 --> 00:40:53,440
Speaker 2: I'm on fire with paying them off and I've fallen

892
00:40:53,480 --> 00:40:56,040
Speaker 2: in love with budgeting and being as debt free as possible.

893
00:40:56,360 --> 00:40:59,520
Speaker 2: Bless you child. My initial thought around credit is that

894
00:40:59,560 --> 00:41:02,719
Speaker 2: I don't want them at all. I was a Dave

895
00:41:02,800 --> 00:41:05,720
Speaker 2: Ramsey girl, and of course Dave Ramsey is all anti credit.

896
00:41:06,160 --> 00:41:08,399
Speaker 2: But lately I've been hearing about how easy it asked

897
00:41:08,440 --> 00:41:10,200
Speaker 2: to have your how easy it is to have your

898
00:41:10,200 --> 00:41:14,080
Speaker 2: debit card compromised by fraud, and the perks of credit

899
00:41:14,120 --> 00:41:17,759
Speaker 2: card points and rewards. I'm slowly becoming a credit card

900
00:41:17,840 --> 00:41:20,319
Speaker 2: user and paying it off week to week, but I'm

901
00:41:20,440 --> 00:41:24,040
Speaker 2: terrified of having a relapse. So question, what are your

902
00:41:24,040 --> 00:41:26,440
Speaker 2: thoughts on using a credit card for everything with the

903
00:41:26,480 --> 00:41:29,600
Speaker 2: intention of just paying it off weekly? Versus going back

904
00:41:29,640 --> 00:41:33,720
Speaker 2: to a debit card lifestyle. Also, how do you structure

905
00:41:33,760 --> 00:41:35,880
Speaker 2: your spending on credit to make sure you do not

906
00:41:36,040 --> 00:41:39,839
Speaker 2: carry a balance? We didn't do this one before, No,

907
00:41:39,920 --> 00:41:40,360
Speaker 2: we haven't.

908
00:41:40,840 --> 00:41:43,120
Speaker 1: Okay, no, just because that sounded so familiar. I am

909
00:41:43,160 --> 00:41:47,239
Speaker 1: a Dave Ramsey girl, but that piece anyway, Hey, Dave Ramsey.

910
00:41:46,880 --> 00:41:53,000
Speaker 2: Girl ran spink a new So I get this a lot.

911
00:41:52,880 --> 00:41:55,359
Speaker 1: In the in the DreamCatcher group, Like, some people are

912
00:41:55,360 --> 00:41:58,160
Speaker 1: like totally anti credit card and some people are like, no,

913
00:41:58,320 --> 00:42:00,880
Speaker 1: leave me alone. I love my credit card. I'm somewhere

914
00:42:00,920 --> 00:42:04,320
Speaker 1: in the middle. I totally can understand why Dave Ramsey

915
00:42:04,320 --> 00:42:07,800
Speaker 1: takes to stand against credit cards because so many people

916
00:42:08,760 --> 00:42:11,399
Speaker 1: are their financial lives are honestly destroyed by the way

917
00:42:11,440 --> 00:42:15,120
Speaker 1: they use credit cards. But I think that the attention

918
00:42:15,280 --> 00:42:16,879
Speaker 1: is on the wrong thing. Credit cards are not bad

919
00:42:16,960 --> 00:42:19,080
Speaker 1: or good. It's like a hammer. A hammer is just

920
00:42:19,080 --> 00:42:22,120
Speaker 1: a tool. The person picks it up. They can build

921
00:42:22,120 --> 00:42:25,040
Speaker 1: a house with that hammer, or they can knock down

922
00:42:25,040 --> 00:42:27,320
Speaker 1: a house with that hammer. It's the person who's using

923
00:42:27,360 --> 00:42:30,040
Speaker 1: the hammer that decides. Same thing with credit cards, they're

924
00:42:30,120 --> 00:42:33,960
Speaker 1: merely a tool. So if you are not sure if

925
00:42:34,000 --> 00:42:37,000
Speaker 1: you're able to manage them, well, then leave them alone.

926
00:42:37,200 --> 00:42:38,920
Speaker 1: But if you think that you can, then you know,

927
00:42:38,960 --> 00:42:41,680
Speaker 1: then you then you can use them. I think we

928
00:42:41,719 --> 00:42:46,160
Speaker 1: live in America and credit is one. It's a core

929
00:42:46,680 --> 00:42:49,719
Speaker 1: financial system that we use here in America to navigate

930
00:42:49,960 --> 00:42:53,240
Speaker 1: our personal finances, and it's very difficult to get away

931
00:42:53,280 --> 00:42:57,320
Speaker 1: from not using credit cards. It's not impossible. But for example,

932
00:42:57,360 --> 00:42:59,880
Speaker 1: here's how I use my credit card. I have to

933
00:43:00,160 --> 00:43:03,319
Speaker 1: credit cards, one of which I use specifically just to

934
00:43:03,440 --> 00:43:06,319
Speaker 1: raise my credit score. It stays home my Netflix charge

935
00:43:06,360 --> 00:43:08,200
Speaker 1: is it eight bucks a month or nine bucks whatever

936
00:43:08,320 --> 00:43:11,640
Speaker 1: Netflix is, and my bank account pays it off every month,

937
00:43:11,680 --> 00:43:13,680
Speaker 1: So literally I don't even know where that credit card is.

938
00:43:13,840 --> 00:43:16,080
Speaker 1: It just gets paid off in full every single month.

939
00:43:16,680 --> 00:43:19,680
Speaker 1: And then the other credit card I use for business,

940
00:43:20,239 --> 00:43:22,880
Speaker 1: I use it when I'm It's a travel card, so

941
00:43:22,960 --> 00:43:25,759
Speaker 1: whenever I'm booking a flight or hotel or anything, I

942
00:43:25,880 --> 00:43:27,760
Speaker 1: use that card because I want to earn points towards

943
00:43:27,760 --> 00:43:31,000
Speaker 1: free flights. And most months I pay it off in full,

944
00:43:31,360 --> 00:43:33,080
Speaker 1: but some months I wait a little bit because I

945
00:43:33,200 --> 00:43:35,480
Speaker 1: might also use that card to buy books. So if

946
00:43:35,480 --> 00:43:37,600
Speaker 1: someone says, hey, Tiffany, we want to order a thousand

947
00:43:37,640 --> 00:43:40,920
Speaker 1: books for you from you, so I might swipe a

948
00:43:41,000 --> 00:43:43,719
Speaker 1: thousand books on my credit card and when they pay me,

949
00:43:44,239 --> 00:43:45,840
Speaker 1: I pay it off, but it might not be to

950
00:43:45,880 --> 00:43:48,160
Speaker 1: the next month. But I would say usually I don't

951
00:43:48,200 --> 00:43:51,120
Speaker 1: carry a balance for more than a month or two.

952
00:43:51,800 --> 00:43:53,560
Speaker 1: But for the most part, I pay my credit cards

953
00:43:53,760 --> 00:43:56,960
Speaker 1: off in full every month. But so I but I

954
00:43:57,000 --> 00:43:58,880
Speaker 1: know there's one of my ex boyfriend used to do

955
00:43:58,880 --> 00:44:00,839
Speaker 1: this on his American Express card. He used to put

956
00:44:00,880 --> 00:44:03,600
Speaker 1: all of his bills on it and then pay it

957
00:44:03,640 --> 00:44:06,600
Speaker 1: off every single month. Now I always say that's for like,

958
00:44:06,719 --> 00:44:09,759
Speaker 1: that's that's not for everybody. You have to really have

959
00:44:09,800 --> 00:44:12,040
Speaker 1: the discipline to do so, or else you're just going

960
00:44:12,120 --> 00:44:13,560
Speaker 1: to have a huge bill and not know what to

961
00:44:13,560 --> 00:44:13,960
Speaker 1: do with it.

962
00:44:14,600 --> 00:44:16,400
Speaker 2: I would have had the money to people bill at

963
00:44:16,400 --> 00:44:16,759
Speaker 2: the end of the.

964
00:44:16,760 --> 00:44:19,600
Speaker 1: Month exactly, So I would just if I was kind

965
00:44:19,640 --> 00:44:23,120
Speaker 1: of like reformed and starting small. You know, if you

966
00:44:23,640 --> 00:44:26,120
Speaker 1: can get yourself a credit card with a very low balance,

967
00:44:26,520 --> 00:44:29,360
Speaker 1: put something really inexpensive on it and automate that payment

968
00:44:29,440 --> 00:44:31,880
Speaker 1: like your Netflix or something, just to keep your robbing

969
00:44:31,960 --> 00:44:34,080
Speaker 1: credit kind of like open and rolling. You don't have

970
00:44:34,120 --> 00:44:36,279
Speaker 1: to necessarily use it, just knowing that, like, Okay, it's

971
00:44:36,280 --> 00:44:40,000
Speaker 1: there and I'm building credit history by using this card responsibly,

972
00:44:40,200 --> 00:44:42,839
Speaker 1: even though I'm not technically using it right.

973
00:44:43,040 --> 00:44:45,040
Speaker 2: I mean, she does bring up the issue of fraud,

974
00:44:45,239 --> 00:44:47,960
Speaker 2: which is true. It is a real risk. And while

975
00:44:48,600 --> 00:44:50,239
Speaker 2: so say, let's say your debit card is hacked in

976
00:44:50,280 --> 00:44:52,480
Speaker 2: mine has been before, you lose a bunch of money.

977
00:44:52,719 --> 00:44:54,960
Speaker 2: Your bank will both likely pay you back, but it

978
00:44:55,000 --> 00:44:57,120
Speaker 2: could take a couple of days. And when it's cash

979
00:44:57,160 --> 00:45:00,080
Speaker 2: money and you need that cash, it can really it

980
00:45:00,120 --> 00:45:02,839
Speaker 2: can really hurt. So in that regard, yeah, I think

981
00:45:02,880 --> 00:45:06,120
Speaker 2: credit is sometimes the better option when you're shopping online

982
00:45:06,280 --> 00:45:09,600
Speaker 2: or you're traveling abroad. If you get hit by a fraud,

983
00:45:09,600 --> 00:45:11,560
Speaker 2: it's better to have it on credit than using a

984
00:45:11,600 --> 00:45:14,240
Speaker 2: debit card. I have an issue with the whole points

985
00:45:14,239 --> 00:45:18,080
Speaker 2: and reward system. It's great, like it's awesome. I personally

986
00:45:18,280 --> 00:45:21,360
Speaker 2: use one credit card for my grocery shopping because I

987
00:45:21,440 --> 00:45:25,040
Speaker 2: get six percent cash back and I make like bookoo

988
00:45:25,080 --> 00:45:28,080
Speaker 2: money over the year that pays off. It has an

989
00:45:28,080 --> 00:45:30,040
Speaker 2: annual fee, but I make way more than that in

990
00:45:30,120 --> 00:45:33,440
Speaker 2: cash back than the fee. But I am a reformed

991
00:45:33,480 --> 00:45:36,600
Speaker 2: mishandler of credit cards. Like me, Mandy Woodriff, I used

992
00:45:36,640 --> 00:45:39,040
Speaker 2: to be really bad when I was in college, I

993
00:45:39,080 --> 00:45:41,080
Speaker 2: would like max out their credit card and then it

994
00:45:41,080 --> 00:45:43,040
Speaker 2: would you know, I'd pay off twenty bucks so I

995
00:45:43,040 --> 00:45:44,719
Speaker 2: could buy lunch, you know what I mean. Like, and

996
00:45:44,760 --> 00:45:46,920
Speaker 2: it would constantly just be almost at the limit all

997
00:45:46,960 --> 00:45:49,200
Speaker 2: the time, and I was playing finance charges and late

998
00:45:49,239 --> 00:45:52,440
Speaker 2: fees and stuff like that. What I've done for myself

999
00:45:52,480 --> 00:45:54,960
Speaker 2: now that I've slowly started using credit again in the

1000
00:45:55,000 --> 00:45:57,640
Speaker 2: past couple of years. The key that I don't think

1001
00:45:57,680 --> 00:46:00,799
Speaker 2: people do is set yours like your credit limit is

1002
00:46:00,840 --> 00:46:03,399
Speaker 2: not how much money, like that's not your real credit limit,

1003
00:46:03,520 --> 00:46:05,680
Speaker 2: like it's how much the bank says you can charge,

1004
00:46:05,920 --> 00:46:08,480
Speaker 2: which is great, but you should not. You should never

1005
00:46:08,560 --> 00:46:10,920
Speaker 2: be maxing at your credit cards. And even less than that,

1006
00:46:10,960 --> 00:46:14,080
Speaker 2: you should be sitting down and figuring out what is

1007
00:46:14,120 --> 00:46:17,600
Speaker 2: the amount it can comfortably pay off every month and

1008
00:46:17,640 --> 00:46:20,080
Speaker 2: then make sure that you're not charging more than that

1009
00:46:20,120 --> 00:46:22,360
Speaker 2: amount on your credit card. And for me, it was

1010
00:46:22,400 --> 00:46:25,520
Speaker 2: a certain amount. And so I have my own personal

1011
00:46:26,440 --> 00:46:29,360
Speaker 2: credit card limit in my head all the time, and

1012
00:46:29,400 --> 00:46:31,040
Speaker 2: when I get close to it, I'm like, Okay, no

1013
00:46:31,160 --> 00:46:33,080
Speaker 2: more credit cards for the month, because I know I

1014
00:46:33,120 --> 00:46:34,440
Speaker 2: need to have cash to pay it off at the

1015
00:46:34,520 --> 00:46:37,080
Speaker 2: end of the month. I like what she said about

1016
00:46:37,080 --> 00:46:39,480
Speaker 2: paying it off weekly, because I don't think people realize

1017
00:46:39,520 --> 00:46:41,560
Speaker 2: they can do that. Just make payments on your credit

1018
00:46:41,560 --> 00:46:43,520
Speaker 2: card as you go, yep. So if you get paid

1019
00:46:43,520 --> 00:46:45,880
Speaker 2: twice a month, you know, use half of one paycheck

1020
00:46:45,880 --> 00:46:47,800
Speaker 2: to pay half your bill, and then the next paycheck

1021
00:46:48,120 --> 00:46:49,680
Speaker 2: use have to pay the whole bill so that you're

1022
00:46:49,719 --> 00:46:52,920
Speaker 2: not getting this huge payment all at one time. That

1023
00:46:52,920 --> 00:46:53,760
Speaker 2: could be smart.

1024
00:46:54,320 --> 00:46:57,560
Speaker 1: I do that, Oh you do like whenever, like sometimes

1025
00:46:57,600 --> 00:46:59,319
Speaker 1: like you know, like I just, for example, just got

1026
00:46:59,320 --> 00:47:00,960
Speaker 1: to check in the mail clients, and I was like, oh,

1027
00:47:01,000 --> 00:47:04,400
Speaker 1: I forgot about this, So I might use that to say, Okay,

1028
00:47:04,920 --> 00:47:06,960
Speaker 1: I just ordered books for somebody else. Let me put

1029
00:47:07,000 --> 00:47:09,680
Speaker 1: this toward the credit card real quick, just because, you know,

1030
00:47:09,880 --> 00:47:11,919
Speaker 1: or something. I've been one known to put like five

1031
00:47:11,960 --> 00:47:14,759
Speaker 1: twenty dollars just to start nibbling it down when I

1032
00:47:14,840 --> 00:47:16,720
Speaker 1: was really learning how to pay off my credit cards.

1033
00:47:16,760 --> 00:47:19,839
Speaker 1: I've you know, mishandled credit cards as well at one

1034
00:47:19,840 --> 00:47:21,480
Speaker 1: point in my life. But I'm grown up, you know,

1035
00:47:21,520 --> 00:47:22,759
Speaker 1: I've grown out of that now.

1036
00:47:23,640 --> 00:47:26,760
Speaker 2: I have Yeah, and you say you have a travel account,

1037
00:47:26,800 --> 00:47:29,200
Speaker 2: savings account for your travel. I have a savings account

1038
00:47:29,239 --> 00:47:31,600
Speaker 2: for my travel, and I have the money saved up,

1039
00:47:31,600 --> 00:47:33,319
Speaker 2: but I'll still charge it on credits. I get two

1040
00:47:33,360 --> 00:47:36,439
Speaker 2: points and then I just paid off immediately. Yep.

1041
00:47:36,600 --> 00:47:37,640
Speaker 1: I do that all the time.

1042
00:47:38,080 --> 00:47:40,160
Speaker 2: So if you use it as a tool, like I'm

1043
00:47:40,160 --> 00:47:42,200
Speaker 2: going to save up the cash to make these purchases

1044
00:47:42,280 --> 00:47:43,640
Speaker 2: or I'm going to make sure i have enough set

1045
00:47:43,680 --> 00:47:46,279
Speaker 2: aside from each paycheck to afford these purchases, and then

1046
00:47:46,280 --> 00:47:47,879
Speaker 2: I'm going to use this credit card and then I'm

1047
00:47:47,880 --> 00:47:49,960
Speaker 2: going to say, haha, credit card companies give me my

1048
00:47:50,000 --> 00:47:52,680
Speaker 2: points and then pay it off and then you don't

1049
00:47:52,680 --> 00:47:54,960
Speaker 2: pay any fees or interest. Then that is the ideal

1050
00:47:55,000 --> 00:47:55,880
Speaker 2: way to use it.

1051
00:47:55,880 --> 00:47:59,160
Speaker 1: It is like I just got a notice from my

1052
00:47:59,320 --> 00:48:02,560
Speaker 1: travel card that I have enough points for my flight

1053
00:48:02,640 --> 00:48:04,960
Speaker 1: for a flight that was like Woho. So that's perfect

1054
00:48:05,000 --> 00:48:07,600
Speaker 1: so me and Superman. So what I try to do

1055
00:48:07,640 --> 00:48:10,719
Speaker 1: with my credit with my flights is that when I'm

1056
00:48:10,719 --> 00:48:13,439
Speaker 1: speaking somewhere and someone's paying for my flight and hotel,

1057
00:48:13,800 --> 00:48:16,480
Speaker 1: I will use the points to say, hey, Superman, come

1058
00:48:16,520 --> 00:48:19,440
Speaker 1: with me, because the hotel is already paid for. Oftentimes

1059
00:48:19,440 --> 00:48:21,640
Speaker 1: the food is paid for, so he just has to

1060
00:48:21,760 --> 00:48:23,560
Speaker 1: pay for like, you know, his own food. If it's

1061
00:48:23,600 --> 00:48:26,640
Speaker 1: not like kind of like group eating but it's like

1062
00:48:26,840 --> 00:48:29,000
Speaker 1: it's like a little mini vacation that costs us next

1063
00:48:29,040 --> 00:48:29,759
Speaker 1: to nothing. You know.

1064
00:48:30,120 --> 00:48:33,120
Speaker 2: Yeah, I just booked my first flight with points on

1065
00:48:33,200 --> 00:48:35,719
Speaker 2: my new card, which was great. But again, I don't

1066
00:48:35,760 --> 00:48:40,000
Speaker 2: want to like over what do you call it.

1067
00:48:39,480 --> 00:48:41,560
Speaker 1: Over stimulate, overgive, overcare.

1068
00:48:44,000 --> 00:48:45,799
Speaker 2: I don't want to give the wrong impression that credit

1069
00:48:45,880 --> 00:48:48,040
Speaker 2: cards are great because you can get points. No, like,

1070
00:48:48,160 --> 00:48:50,200
Speaker 2: you should not be shopping for points because your shop

1071
00:48:50,239 --> 00:48:53,319
Speaker 2: you're spending money to save money. Like that's stupid, it's dumb,

1072
00:48:54,040 --> 00:48:55,480
Speaker 2: So don't you use it that way. And I think

1073
00:48:55,520 --> 00:48:57,680
Speaker 2: it sounds like you know yourself pretty well and you will.

1074
00:48:57,920 --> 00:48:59,719
Speaker 2: You'll feel it when you start getting a relapse. I

1075
00:48:59,719 --> 00:49:01,520
Speaker 2: mean it'll be easy to feel because you'll look at

1076
00:49:01,520 --> 00:49:02,759
Speaker 2: your statement at the end of the month and you

1077
00:49:02,760 --> 00:49:05,000
Speaker 2: don't have enough cash to pay it off. Yeah, if

1078
00:49:05,000 --> 00:49:06,919
Speaker 2: that happens, then I think it's time to pull back.

1079
00:49:07,080 --> 00:49:08,879
Speaker 1: Yep, I agreed, and.

1080
00:49:09,000 --> 00:49:10,799
Speaker 2: Do what Tip said and just charge some one little

1081
00:49:10,800 --> 00:49:12,880
Speaker 2: account to it every month and you'll be building your

1082
00:49:12,880 --> 00:49:14,240
Speaker 2: credit and using it.

1083
00:49:14,239 --> 00:49:16,719
Speaker 1: It's gonna be wort for you, exactly, And just leave

1084
00:49:16,760 --> 00:49:18,640
Speaker 1: that card home like literally, you don't have to take

1085
00:49:18,640 --> 00:49:20,480
Speaker 1: it out, Like Okay, I still have this card, but

1086
00:49:20,640 --> 00:49:22,960
Speaker 1: I'm not technically like swiping.

1087
00:49:23,120 --> 00:49:24,680
Speaker 2: If she's as bad as I was, and she has

1088
00:49:24,719 --> 00:49:26,319
Speaker 2: her numbers memorized.

1089
00:49:26,920 --> 00:49:28,920
Speaker 1: You know what somebody did that I thought was really clever,

1090
00:49:29,360 --> 00:49:32,560
Speaker 1: who was like a shop ahoulic. She posted in the

1091
00:49:32,560 --> 00:49:35,000
Speaker 1: group she said, you know what, I called my credit

1092
00:49:35,080 --> 00:49:38,120
Speaker 1: card companies and told them I misplaced my cards. So

1093
00:49:38,280 --> 00:49:40,839
Speaker 1: that way she could start to like well misplace her

1094
00:49:40,840 --> 00:49:42,600
Speaker 1: card so she could do what I said. I said,

1095
00:49:42,840 --> 00:49:46,000
Speaker 1: you know, have your Netflix or some inexpensive bill charged

1096
00:49:46,040 --> 00:49:48,920
Speaker 1: to your card. But she had her card numbers memorized,

1097
00:49:49,239 --> 00:49:51,200
Speaker 1: so that's how she kind of was able to kind

1098
00:49:51,200 --> 00:49:53,719
Speaker 1: of start from scratch, like getting rid of those memorized

1099
00:49:53,760 --> 00:49:55,360
Speaker 1: cards to get a new one.

1100
00:49:55,560 --> 00:49:57,440
Speaker 2: Oh oh they get a new number. Oh if they

1101
00:49:57,480 --> 00:49:58,879
Speaker 2: would just send her a new card, the mets.

1102
00:49:58,960 --> 00:50:00,680
Speaker 1: Yeah, I get it, I mean, and then she could

1103
00:50:00,760 --> 00:50:04,040
Speaker 1: leave it home and then you know, like automatically charge

1104
00:50:04,080 --> 00:50:06,319
Speaker 1: something inexpensive tool but not worrying like, oh, I have

1105
00:50:06,400 --> 00:50:08,399
Speaker 1: my card number memorized because this is a new card

1106
00:50:08,440 --> 00:50:09,040
Speaker 1: and new number.

1107
00:50:09,280 --> 00:50:12,279
Speaker 2: Yeah. It really is like an addiction. It is alcoholics

1108
00:50:12,320 --> 00:50:14,759
Speaker 2: hide bottle of the gin. We know our credit card

1109
00:50:14,840 --> 00:50:15,359
Speaker 2: numbers by.

1110
00:50:15,280 --> 00:50:19,279
Speaker 1: Heart, so I think we should slide on into some

1111
00:50:19,360 --> 00:50:22,279
Speaker 1: wins or book suggestions. What's say you?

1112
00:50:23,000 --> 00:50:25,839
Speaker 2: I have a win. I just finished reading a good book.

1113
00:50:25,840 --> 00:50:26,839
Speaker 2: But I'll do a win this week.

1114
00:50:27,040 --> 00:50:28,720
Speaker 1: Okay, okay?

1115
00:50:28,760 --> 00:50:32,680
Speaker 2: Cool? So my win is my fa FA Faith director

1116
00:50:32,760 --> 00:50:37,000
Speaker 2: of dujor Eva du Verne. So remember I talked about

1117
00:50:37,040 --> 00:50:39,360
Speaker 2: how she was directing the new Queen Sugar series for

1118
00:50:39,400 --> 00:50:42,360
Speaker 2: the own network. Well, while she was doing that, she

1119
00:50:42,560 --> 00:50:45,040
Speaker 2: just happened to have time to be filming a surprise

1120
00:50:45,160 --> 00:50:48,719
Speaker 2: documentary about incarceration the United States, like just in her

1121
00:50:48,760 --> 00:50:51,520
Speaker 2: free time, you know, like on her lunch break. And

1122
00:50:51,560 --> 00:50:54,719
Speaker 2: not only that, but this is this documentary about incarceration

1123
00:50:54,760 --> 00:50:58,560
Speaker 2: in America. It's called The Thirteenth. Go online, google it.

1124
00:50:58,560 --> 00:51:02,359
Speaker 2: It's opening. It's opening the New York Film Festival, which

1125
00:51:02,400 --> 00:51:05,160
Speaker 2: will make it the first documentary to ever open the

1126
00:51:05,160 --> 00:51:08,760
Speaker 2: film festival. And she'll be the first black woman director

1127
00:51:08,800 --> 00:51:12,680
Speaker 2: to ever open the film festival. No big deal. So

1128
00:51:12,719 --> 00:51:14,759
Speaker 2: shout out to Ava for I mean, you know, she

1129
00:51:14,800 --> 00:51:16,520
Speaker 2: didn't have to do that. She could have been catching

1130
00:51:16,520 --> 00:51:18,279
Speaker 2: her checks from Selma all this time, and from her

1131
00:51:18,320 --> 00:51:21,719
Speaker 2: Barbie Doll yep all this time, and her Oprah checks

1132
00:51:21,760 --> 00:51:23,879
Speaker 2: like she was. Okay, but I think she went out

1133
00:51:23,880 --> 00:51:25,319
Speaker 2: every way to direct this film, and the fact that

1134
00:51:25,360 --> 00:51:27,000
Speaker 2: it was done by a woman and a black woman

1135
00:51:27,000 --> 00:51:29,839
Speaker 2: at that just awesome. So I can't wait to check

1136
00:51:29,840 --> 00:51:31,200
Speaker 2: that documentary out in September.

1137
00:51:31,560 --> 00:51:34,359
Speaker 1: That's just awesome. You know. I when I was at

1138
00:51:34,440 --> 00:51:37,960
Speaker 1: Essence my videographers with me. He really wants to be

1139
00:51:38,040 --> 00:51:41,920
Speaker 1: a filmmaker, and I think we're backstage, like you know,

1140
00:51:42,000 --> 00:51:44,120
Speaker 1: at the concert, at the Essence Fest concert, and he

1141
00:51:44,239 --> 00:51:47,200
Speaker 1: was taping and he saw her and he was like, Tivity,

1142
00:51:47,280 --> 00:51:48,920
Speaker 1: Oh my god, I just saw Ava Duvinet. I said

1143
00:51:48,920 --> 00:51:51,560
Speaker 1: you should talk to her, and he did, he said,

1144
00:51:51,600 --> 00:51:53,160
Speaker 1: he came back, he was like, oh my god. She

1145
00:51:53,320 --> 00:51:55,640
Speaker 1: was so nice. I told her that I'm a budding

1146
00:51:55,640 --> 00:51:58,120
Speaker 1: filmmaker and I love her work, and she told me,

1147
00:51:58,920 --> 00:52:02,360
Speaker 1: email me your stuff and I'll give you an honest critique.

1148
00:52:02,800 --> 00:52:05,080
Speaker 1: How nice is that? And how you know she didn't

1149
00:52:05,360 --> 00:52:07,400
Speaker 1: She could have just been like okay, taken the comment

1150
00:52:07,520 --> 00:52:10,200
Speaker 1: and taken the compliment and kept it moving. You know.

1151
00:52:11,200 --> 00:52:12,959
Speaker 1: I just was like, oh, And I could just tell

1152
00:52:13,000 --> 00:52:14,920
Speaker 1: that he was like is this for her life? And

1153
00:52:14,960 --> 00:52:16,799
Speaker 1: I remember getting on him. I'm like, make sure you

1154
00:52:16,840 --> 00:52:20,160
Speaker 1: email her, like when do you like people don't do that.

1155
00:52:20,239 --> 00:52:22,239
Speaker 1: You know, people are busy, and so for her to

1156
00:52:22,280 --> 00:52:24,520
Speaker 1: say that to you, you know, I would not take

1157
00:52:24,560 --> 00:52:26,320
Speaker 1: that lightly. And I think he sent her his stuff,

1158
00:52:26,360 --> 00:52:28,200
Speaker 1: So yeah, I just wanted to kind of throw in

1159
00:52:28,200 --> 00:52:29,279
Speaker 1: there that she's also.

1160
00:52:29,200 --> 00:52:31,879
Speaker 2: Because she gets it probably yup, you know, and she's

1161
00:52:32,040 --> 00:52:34,680
Speaker 2: obviously but not spoken about it. She gets how some

1162
00:52:34,760 --> 00:52:37,320
Speaker 2: people just aren't they don't have time for you. A

1163
00:52:37,360 --> 00:52:39,080
Speaker 2: lot of people and some people need more help than

1164
00:52:39,120 --> 00:52:40,440
Speaker 2: others getting their work noticed.

1165
00:52:41,120 --> 00:52:43,520
Speaker 1: Yeah, exactly. So yeah, I was proud of him, and

1166
00:52:43,560 --> 00:52:47,759
Speaker 1: I just thought she's so nice. So my I'm not

1167
00:52:47,760 --> 00:52:50,640
Speaker 1: going to do a win. Instead, I'm going to do

1168
00:52:50,719 --> 00:52:53,200
Speaker 1: a book suggestion. So this is actually a stolen book

1169
00:52:53,239 --> 00:52:57,000
Speaker 1: suggestin from one of my favorite people on social media, Lovey.

1170
00:52:57,640 --> 00:53:00,200
Speaker 1: I'm awesomely Lovey. If you're not reading her blog, you're

1171
00:53:00,239 --> 00:53:01,040
Speaker 1: not reading.

1172
00:53:01,280 --> 00:53:02,400
Speaker 2: So crazy, right.

1173
00:53:02,560 --> 00:53:04,640
Speaker 1: So we're Facebook friends, so you know, I feel special

1174
00:53:05,719 --> 00:53:08,000
Speaker 1: And even though she's had five thousand Facebook.

1175
00:53:07,640 --> 00:53:09,480
Speaker 2: Friends, have I not asked her yet when you're going

1176
00:53:09,560 --> 00:53:11,560
Speaker 2: to have her on the podcast because you keep talking

1177
00:53:11,560 --> 00:53:13,719
Speaker 2: about your best friends and I'm like, prove it. Well,

1178
00:53:13,760 --> 00:53:16,560
Speaker 2: I didn't say we're your Facebook friend.

1179
00:53:18,200 --> 00:53:20,200
Speaker 1: Uh no, we're cool, but like no, you're right, I'm

1180
00:53:20,239 --> 00:53:22,959
Speaker 1: going to ask her. Maybe that's just want to need.

1181
00:53:22,920 --> 00:53:25,080
Speaker 2: You to work that connection a little bit. She would

1182
00:53:25,200 --> 00:53:27,279
Speaker 2: come on, I mean, she might take our job from

1183
00:53:27,320 --> 00:53:30,200
Speaker 2: us because people might like her someone like she's hilarious.

1184
00:53:30,239 --> 00:53:33,920
Speaker 1: She is hilarious. No, so she she posted. She was like,

1185
00:53:33,960 --> 00:53:36,799
Speaker 1: you know, everybody you know is always asking kind of

1186
00:53:36,800 --> 00:53:37,960
Speaker 1: like what I'm reading. And she was like, I'm not

1187
00:53:37,960 --> 00:53:40,480
Speaker 1: always reading something super serious. I'm reading kind of like

1188
00:53:40,480 --> 00:53:42,680
Speaker 1: a fun summer book. And I was like, let me

1189
00:53:42,800 --> 00:53:47,000
Speaker 1: check this book out. It had good ratings on Amazon

1190
00:53:47,040 --> 00:53:48,640
Speaker 1: and actually was really good. I read it. I took

1191
00:53:48,680 --> 00:53:50,560
Speaker 1: it with me. I think I was in we were

1192
00:53:50,560 --> 00:53:52,840
Speaker 1: in California. Whenever I travel, I like to bring a

1193
00:53:52,880 --> 00:53:55,239
Speaker 1: book because on the flight I like to read on

1194
00:53:55,320 --> 00:53:55,760
Speaker 1: my Kindle.

1195
00:53:56,000 --> 00:53:57,359
Speaker 2: Oh my god, what is the book called?

1196
00:53:57,719 --> 00:54:00,080
Speaker 1: I'm sorry?

1197
00:54:01,280 --> 00:54:03,000
Speaker 2: And I love the ending in the plot here and

1198
00:54:03,000 --> 00:54:05,120
Speaker 2: that the characters. I'm like, what is that called.

1199
00:54:05,760 --> 00:54:09,200
Speaker 1: The book is called The Perfect Fine by Tia Williams.

1200
00:54:10,000 --> 00:54:11,560
Speaker 1: It is it's not like, you know, like I said,

1201
00:54:11,560 --> 00:54:14,319
Speaker 1: it's a fun summer read. It's not a you know,

1202
00:54:14,320 --> 00:54:17,720
Speaker 1: you're not gonna change your your life from this book.

1203
00:54:17,760 --> 00:54:20,400
Speaker 1: It's just something fun life. But it's well written and

1204
00:54:20,440 --> 00:54:23,279
Speaker 1: it's like it's a good, like fun, girly read. It's

1205
00:54:23,280 --> 00:54:25,799
Speaker 1: about a woman who used to be like in the

1206
00:54:25,800 --> 00:54:28,840
Speaker 1: fashion industry, like the top of her game. She and

1207
00:54:28,920 --> 00:54:31,600
Speaker 1: her fiance would ever break up. She kind of takes

1208
00:54:31,600 --> 00:54:33,799
Speaker 1: a break and comes back and try to rebuild her life,

1209
00:54:33,840 --> 00:54:36,040
Speaker 1: falls in love with some young boy. But it's good

1210
00:54:36,400 --> 00:54:38,120
Speaker 1: and so I suggest if you're looking for a fun

1211
00:54:38,160 --> 00:54:40,480
Speaker 1: summer read for when you're sitting at a flight on

1212
00:54:40,520 --> 00:54:42,799
Speaker 1: a flight or you're just chilling on the beach, the

1213
00:54:42,880 --> 00:54:46,120
Speaker 1: Perfect Find by Tia Williams. I think it's a good book.

1214
00:54:46,200 --> 00:54:49,200
Speaker 1: And if you have any book suggestions, I'm always looking for.

1215
00:54:50,040 --> 00:54:52,279
Speaker 1: I don't just read fun summer reads. Actually, like one

1216
00:54:52,320 --> 00:54:56,760
Speaker 1: of my favorite authors is Oh my goodness, I'm Malcolm Gladwell.

1217
00:54:56,840 --> 00:54:59,800
Speaker 1: So I like serious books, I like fun books. I

1218
00:54:59,920 --> 00:55:02,920
Speaker 1: like romance novels. I'm actually pretty widely read as far

1219
00:55:02,920 --> 00:55:04,960
Speaker 1: as like what I like. It all depends on my mood.

1220
00:55:05,440 --> 00:55:08,200
Speaker 1: So you know, if you've got him, I know, right

1221
00:55:08,239 --> 00:55:09,719
Speaker 1: because I want to be like, oh, that girl, she's

1222
00:55:09,719 --> 00:55:11,879
Speaker 1: one of those girls. Like no, I read everything I do.

1223
00:55:12,000 --> 00:55:13,120
Speaker 1: I know how to read well.

1224
00:55:13,120 --> 00:55:15,440
Speaker 2: Speaking of Malcolm glad Well, let's do a podcast plug

1225
00:55:15,520 --> 00:55:19,240
Speaker 2: because after you download our podcast, of course, you should

1226
00:55:19,239 --> 00:55:22,480
Speaker 2: definitely check out Malcolm Gladwell's new podcast called The Revisionist

1227
00:55:22,680 --> 00:55:23,439
Speaker 2: Have you heard it yet?

1228
00:55:23,680 --> 00:55:23,799
Speaker 1: No?

1229
00:55:24,480 --> 00:55:28,080
Speaker 2: Or The Revisionist Theory. It's really it's really good, and

1230
00:55:28,120 --> 00:55:30,040
Speaker 2: it's only every week, so it's not a ton like.

1231
00:55:30,080 --> 00:55:32,160
Speaker 2: There's only three or four episodes so far, so it's

1232
00:55:32,239 --> 00:55:34,799
Speaker 2: easy to catch up. But the first he goes, he

1233
00:55:34,880 --> 00:55:38,879
Speaker 2: takes widely accepted ideas and turns him on their head.

1234
00:55:38,920 --> 00:55:42,040
Speaker 2: So the first episode he talks about how America is

1235
00:55:42,040 --> 00:55:45,799
Speaker 2: the richest country and yet it is so hard for

1236
00:55:46,040 --> 00:55:49,920
Speaker 2: a low income person of color, young man of color

1237
00:55:50,280 --> 00:55:52,719
Speaker 2: to get into a great school. And he goes and

1238
00:55:52,760 --> 00:55:56,120
Speaker 2: talks to this one kid who's just oh, his whole life,

1239
00:55:56,200 --> 00:55:58,319
Speaker 2: like his mother was an addict, you know, He's come

1240
00:55:58,360 --> 00:56:01,920
Speaker 2: from a poor community city in Los Angeles and he

1241
00:56:02,000 --> 00:56:03,920
Speaker 2: needed like and he got to the ivy leagues or

1242
00:56:03,920 --> 00:56:05,680
Speaker 2: he got to a great private school, but he needed

1243
00:56:05,719 --> 00:56:09,040
Speaker 2: like serious intervention from very wealthy people to get him there.

1244
00:56:09,040 --> 00:56:11,320
Speaker 2: And he just sort of like talks about how unfair

1245
00:56:11,320 --> 00:56:13,160
Speaker 2: it is and it's it's awesome.

1246
00:56:13,239 --> 00:56:16,319
Speaker 1: So I recommend, okay, no, and I love that's what

1247
00:56:16,400 --> 00:56:18,640
Speaker 1: I like about Knka Glad was that, first of all,

1248
00:56:18,680 --> 00:56:21,400
Speaker 1: he clearly has this like linear not even linear, but

1249
00:56:21,440 --> 00:56:25,200
Speaker 1: this scientific mind. But he applies the scientific mind and

1250
00:56:25,280 --> 00:56:30,640
Speaker 1: principles to like just every day ideas. So it makes

1251
00:56:30,680 --> 00:56:33,880
Speaker 1: something that like would normally be boring or whatever, he

1252
00:56:33,920 --> 00:56:37,279
Speaker 1: makes it so interesting. So yeah, I love it.

1253
00:56:39,200 --> 00:56:41,360
Speaker 2: All Right, guys, I guess that's all we have for

1254
00:56:41,400 --> 00:56:42,120
Speaker 2: you this week.

1255
00:56:42,520 --> 00:56:44,160
Speaker 1: That was a lot, though it was a lot.

1256
00:56:44,440 --> 00:56:47,920
Speaker 2: I mean for the summertime. We came out all guns

1257
00:56:47,920 --> 00:56:50,600
Speaker 2: blazed him. Wait, that's a bad analogy. We came out

1258
00:56:50,680 --> 00:57:01,080
Speaker 2: all cylinders. But no, mister Lee. Well, if you guys

1259
00:57:01,080 --> 00:57:04,080
Speaker 2: have any questions or comments, email us at Brown Ambition

1260
00:57:04,239 --> 00:57:06,040
Speaker 2: Podcast at gmail dot.

1261
00:57:05,800 --> 00:57:11,200
Speaker 1: Com, tweet us at the VA Podcast, and we're on Facebook,

1262
00:57:11,440 --> 00:57:12,200
Speaker 1: Brown Ambission.

1263
00:57:12,680 --> 00:57:14,359
Speaker 2: Yes man, all right, you guys take care,