WEBVTT - Ep. 46 — The Right Way to Use Credit 0:00:08.480 --> 0:00:10.880 And were I feel like we have not been back 0:00:10.920 --> 0:00:11.399 in a while. 0:00:12.280 --> 0:00:14.760 Well, we took a little bit of a hiatus last week. 0:00:15.240 --> 0:00:15.800 Yeah we did. 0:00:16.280 --> 0:00:18.920 But if you were listening, you got to hear our 0:00:19.079 --> 0:00:22.640 delightful Patrice Washington interview yet again, which is like one 0:00:22.640 --> 0:00:24.480 of our most popular episodes. 0:00:24.040 --> 0:00:26.840 Sos dope dot com. Or we forgot we're supposed to 0:00:26.840 --> 0:00:30.920 be like, you know, professional, this is Brown Ambition again. 0:00:31.000 --> 0:00:34.040 I will say, if you're clicking on the podcast from 0:00:34.080 --> 0:00:37.320 the iTunes and you see the title in our faces, 0:00:37.479 --> 0:00:40.760 you already have all the information you need. Some jump 0:00:40.840 --> 0:00:41.360 right in there. 0:00:41.600 --> 0:00:46.239 Somebody might be listening by Yeah, by accident belong to 0:00:46.479 --> 0:00:48.760 Well you stumbled on to Brown Ambition, darn it. And 0:00:48.800 --> 0:00:50.200 I'm Tiffany And that's Mandy. 0:00:50.320 --> 0:00:53.200 That's me, Mandy Lee. 0:00:53.760 --> 0:00:55.400 Is that your meddle name for really. 0:00:55.240 --> 0:00:59.760 To the wood, to the ruf, to the Yeah, Mandy Lee, 0:01:00.080 --> 0:01:01.520 that's how you know I'm from Georgia. 0:01:01.680 --> 0:01:03.600 Oh that is so cute, mand Lye. 0:01:04.040 --> 0:01:05.720 Actually, if you want if I'm in trouble, it's a 0:01:05.800 --> 0:01:10.080 mandal Lee. Oh that sounds that's when I really messed up. 0:01:10.840 --> 0:01:12.880 That does sound like your mom needs business When. 0:01:12.800 --> 0:01:19.360 I messed with a thermostat. Yeah, so you were just 0:01:19.400 --> 0:01:21.560 in Florida at Color Coom. 0:01:21.880 --> 0:01:24.760 Yes, it was Dope dot Com. It was so I'd 0:01:24.760 --> 0:01:27.920 never been before. They have it every year, it was. 0:01:28.040 --> 0:01:29.959 This was its third year they have it at the 0:01:30.040 --> 0:01:33.920 Ritz Carlton. I met a broad Ambition listener and if 0:01:33.920 --> 0:01:36.640 you're listening, I totally misplaced your name in my memory. 0:01:36.800 --> 0:01:38.679 But I just wanted to say thank you so much. 0:01:38.920 --> 0:01:41.479 You made my day by saying, wait, I know that voice. 0:01:41.600 --> 0:01:43.759 Broad Ambition was Mandy, What. 0:01:43.800 --> 0:01:45.920 A nice way to say you forgot something. I seem 0:01:45.959 --> 0:01:49.560 to have misplaced that memory. I don't know where it 0:01:49.600 --> 0:01:50.280 went right now. 0:01:50.760 --> 0:01:51.280 I forgot. 0:01:51.400 --> 0:01:53.480 I'm gonna use that one. I'm really bad with names too. 0:01:54.160 --> 0:01:56.320 Yeah. No, but it was really dope because it was 0:01:56.840 --> 0:01:57.120 how old? 0:01:57.240 --> 0:02:01.120 How loud were you speaking? When when she recognized her 0:02:01.200 --> 0:02:02.240 name from across the room. 0:02:03.280 --> 0:02:05.440 I was standing next to her, like I like her 0:02:05.440 --> 0:02:07.840 back was kind of to me and I was talking 0:02:07.880 --> 0:02:09.600 to someone, and she turned around as she looked at me, 0:02:09.639 --> 0:02:13.280 she said, I know that voice. So yeah, it was great. 0:02:13.320 --> 0:02:18.200 Honestly it was. It's just a brown AMBITIONI color calm 0:02:18.520 --> 0:02:23.120 is women women in communications, women of color in communication. 0:02:23.240 --> 0:02:26.320 So it wasn't just Black women. There were Asian women, 0:02:26.720 --> 0:02:30.800 there were Spanish women. It was a nice cross section. 0:02:30.840 --> 0:02:33.639 I would say it was majority black women, but definitely 0:02:33.639 --> 0:02:35.320 a cross section. You could say they made a real 0:02:35.360 --> 0:02:39.560 effort to be inclusive of women of color. Yeah. 0:02:39.600 --> 0:02:42.160 I think Lisa Ling, who I love, She did the 0:02:42.240 --> 0:02:43.119 keynote last year. 0:02:44.000 --> 0:02:46.079 Yeah, she did. They always get really dope people that 0:02:46.200 --> 0:02:50.000 This year they had Arianna Huffington, and she really she 0:02:50.200 --> 0:02:52.880 resonated with so many of us because you know, so 0:02:52.880 --> 0:02:55.919 many of us are still being super women in our lives, 0:02:55.960 --> 0:02:57.880 and she really talked about how that's dangerous. 0:02:58.080 --> 0:03:00.639 She's all about the sleep. That's why her entire book. Yeah, 0:03:01.080 --> 0:03:03.440 if you want, if you want to read her book Thrive, 0:03:03.600 --> 0:03:05.280 it's a good book. But I can sum it up 0:03:05.280 --> 0:03:10.520 in one word, two words sleep more. Yeah, sleep more. 0:03:10.880 --> 0:03:13.320 She said that they're like, you know that, really, in 0:03:13.400 --> 0:03:15.440 order for us to be productive, you really are supposed 0:03:15.440 --> 0:03:16.960 to have seven to eight hours to sleep a night. 0:03:18.160 --> 0:03:19.720 How often do you think you get seven to eight 0:03:19.720 --> 0:03:20.560 hours of sleep at night? 0:03:22.840 --> 0:03:26.720 How often? Let me see, I usually wake up involuntarily 0:03:26.919 --> 0:03:29.880 at like six or seven ish. Do I go to 0:03:29.919 --> 0:03:35.960 sleep by midnight? I would say, yeah, honestly more unless 0:03:35.960 --> 0:03:38.400 I'm like on the road or whatever, like you know, speaking, 0:03:38.400 --> 0:03:41.200 I would say more often than not, I'm pretty good 0:03:41.240 --> 0:03:44.280 at getting to bed by I want to say latest 0:03:44.320 --> 0:03:46.760 midnight and then like just kind of waking up, I 0:03:46.840 --> 0:03:49.120 like six or seven in the morning, So I would 0:03:49.120 --> 0:03:50.760 say I'm in that range. I might not, you know, 0:03:50.840 --> 0:03:53.520 hit eight, but I think six or seven is pretty 0:03:53.680 --> 0:03:55.160 pretty normal for me. What about you. 0:03:55.760 --> 0:03:58.040 I try to give myself like two nights a week 0:03:58.080 --> 0:03:59.920 where I get like five hours to sleep, because it 0:04:00.360 --> 0:04:03.880 happens inevitably, especially like as I've had these early wake 0:04:03.960 --> 0:04:07.800 up calls for the CrossFit class. But for the most 0:04:07.840 --> 0:04:09.119 of the for the most of the week, I would 0:04:09.120 --> 0:04:10.760 say I'm getting at least six hours, and on the 0:04:10.800 --> 0:04:14.600 weekend sometimes more, sometimes less. But yeah, I was out 0:04:14.680 --> 0:04:17.800 my So shout out to my friend Frank who he 0:04:17.880 --> 0:04:20.920 did the New York City Triathlon yesterday. Okay, this is 0:04:21.000 --> 0:04:22.960 the same one. I did this one two years ago, 0:04:23.080 --> 0:04:25.159 but I did not do it in one hundred degree 0:04:25.200 --> 0:04:27.880 heat in the middle of the day like he did. 0:04:28.920 --> 0:04:31.640 It was rough, but it was fun. I got I 0:04:31.720 --> 0:04:33.800 went out there. I was out from like seven am 0:04:33.960 --> 0:04:36.120 because the race starts super early. And I kind of like. 0:04:36.480 --> 0:04:38.920 I biked up to the Bronx, which isn't super far 0:04:38.920 --> 0:04:40.640 from where we live right now. I biked over there 0:04:40.680 --> 0:04:43.040 so I could see him during the bike part of 0:04:43.080 --> 0:04:45.240 the race, and then I biked back home, dropped off 0:04:45.279 --> 0:04:47.200 the bike, and then went to Central Park and caught 0:04:47.240 --> 0:04:49.120 him during the run and then I was running around 0:04:49.120 --> 0:04:50.880 and by the end of it, like I felt like 0:04:50.960 --> 0:04:53.720 I had run a trathlon. It was not hot. 0:04:54.240 --> 0:04:59.680 Yeah, I just this heat has been oppressive, Like I'll 0:04:59.720 --> 0:05:01.360 stay my toe out there, and I'm like, yeah, actually, 0:05:01.400 --> 0:05:02.280 I'll just go back inside. 0:05:03.279 --> 0:05:05.840 Well you see a puddle with a weird brown girl 0:05:05.880 --> 0:05:09.000 face on it floating in Bryent Park, that's mine. It 0:05:09.080 --> 0:05:12.040 melts it off and floated away. Today when I went 0:05:12.040 --> 0:05:14.080 to the dentist. Oh, I went to the dentist today. 0:05:14.279 --> 0:05:17.719 Oh gosh, you were an adult today. I hate adulting sometimes. 0:05:17.880 --> 0:05:20.960 Listen, my tooth didn't hurt, but now it does. Like 0:05:21.160 --> 0:05:23.040 it wasn't hurting before I went to the dentist. But 0:05:23.040 --> 0:05:24.440 then they go in there with the little tools and 0:05:24.440 --> 0:05:27.479 they pick poke and they prod and that stuff up, 0:05:27.560 --> 0:05:28.760 and now my tooth hurts. 0:05:28.880 --> 0:05:30.800 I always hear people say that they're like, you know what, 0:05:30.880 --> 0:05:32.760 before I went to the dentist, I was fine. Now 0:05:32.800 --> 0:05:34.600 I'm not. I feel like the dentists like put something 0:05:34.640 --> 0:05:35.680 in here so I can come back. 0:05:36.200 --> 0:05:39.520 Well, here's my I'm really kind of proud of myself 0:05:39.520 --> 0:05:41.360 because you know they always say get a second opinion 0:05:41.360 --> 0:05:44.479 when you go the doctor. And this actually this was 0:05:44.560 --> 0:05:47.120 my second dentist visit in two months, because I went 0:05:48.200 --> 0:05:51.480 last month and the dentist he didn't even look inside 0:05:51.480 --> 0:05:53.280 my mouth, but I was like, oh, my tooth has 0:05:53.279 --> 0:05:55.599 been hurting. So he took an xtray, put it up 0:05:55.640 --> 0:05:58.920 on the screen and he was like, oh, yeah, this tooth, 0:05:59.080 --> 0:06:02.240 it needs to come out. It's totally decaying. And I 0:06:02.320 --> 0:06:05.039 was like okay, and then he's like, yeah, well we 0:06:05.040 --> 0:06:07.360 can take it out and then we can put a 0:06:07.400 --> 0:06:12.560 bone implant in and that'll be five thousand dollars. And oh, 0:06:12.560 --> 0:06:15.039 by the way, we can't do anesthesia. You have to 0:06:15.080 --> 0:06:17.359 be awake for the procedure. I mean, they can do local, 0:06:17.400 --> 0:06:19.279 but they can't put me under. And I was like, 0:06:19.320 --> 0:06:21.080 and he's like, well, let's schedule it right now. And 0:06:21.120 --> 0:06:24.880 I was like h to haaa haha, yeah, Like, let 0:06:24.920 --> 0:06:27.599 me let me first see when my insurance will cover, 0:06:27.720 --> 0:06:29.240 and so I had to go. I went back and 0:06:29.279 --> 0:06:32.560 forth was hit with their receptionist too. She had to 0:06:32.560 --> 0:06:34.840 call the insurance company and get a quote, and that 0:06:34.920 --> 0:06:37.080 took like days. I think it took a full week 0:06:37.120 --> 0:06:39.160 before I heard back from her or she heard back 0:06:39.160 --> 0:06:41.440 from my insurer. And when I got the estimate, it 0:06:41.480 --> 0:06:44.440 was like total price five thousand, you will owe three 0:06:44.480 --> 0:06:47.600 thousand dollars and I was like, okay, before I spend 0:06:47.600 --> 0:06:50.480 three grand on this tooth, let me get a second opinion. 0:06:50.480 --> 0:06:53.200 And so today was my second opinion, and I went 0:06:53.240 --> 0:06:55.800 to a actually found the surgeon on yelp, so shout 0:06:55.839 --> 0:06:58.720 out to yelp. But I went and he first thing 0:06:58.720 --> 0:07:01.000 he did was poken. He looked at my mouth. He 0:07:01.040 --> 0:07:03.359 did a bunch of tests like kind of like, you know, 0:07:03.480 --> 0:07:05.440 bite on this chew won that does that hurt? Blah 0:07:05.480 --> 0:07:07.640 blah blah, And then he poked it and that definitely hurt. 0:07:07.800 --> 0:07:10.280 And then he did an X ray and he was like, 0:07:10.800 --> 0:07:12.640 you know, looking at your X ray, I'm not super 0:07:12.680 --> 0:07:14.640 impressed by it, and the fact that I don't think 0:07:14.680 --> 0:07:16.720 this tooth has to come out, and he like laid 0:07:16.720 --> 0:07:19.080 it out. Not to get too technical technical but he's like, 0:07:19.720 --> 0:07:22.080 you know this doctor or this other dentist. I'm not 0:07:22.080 --> 0:07:23.760 going to say he was wrong, but he might have 0:07:23.800 --> 0:07:26.920 been too hasty. So let's take three steps back and 0:07:26.960 --> 0:07:30.800 send you back to a regular dentist and have them decide, like, 0:07:30.880 --> 0:07:32.760 see how bad the damage is, and if it's bad, 0:07:32.880 --> 0:07:35.239 then come back to me. Because he was like a surgeon, 0:07:35.320 --> 0:07:38.760 he's the person who takes the tooth out. Regular dentist 0:07:38.880 --> 0:07:41.600 is the one. See, I'm kind of working backwards because 0:07:41.600 --> 0:07:44.040 of this other dentist. Like you're supposed to first go 0:07:44.080 --> 0:07:46.080 to the dentist to like get the diagnosis, and then 0:07:46.200 --> 0:07:47.520 they refer you to a surgeon. 0:07:47.840 --> 0:07:48.360 Yeah. 0:07:48.400 --> 0:07:51.240 So, but I felt relieved because he was like, I'm 0:07:51.240 --> 0:07:53.360 not going to say you're not going to lose a tooth, 0:07:53.400 --> 0:07:56.280 but I'm not. But I also feel like this you 0:07:56.280 --> 0:07:58.880 don't want to make any like hasty decisions right now. 0:08:00.280 --> 0:08:02.440 So I saved myself three thousand dollars hopefully. 0:08:03.080 --> 0:08:06.760 Yeah. No, Honestly, sometimes I remember when I was in 0:08:06.840 --> 0:08:09.520 high school and like early college, like I was going 0:08:09.560 --> 0:08:11.280 to the dentists and every time I went, I had 0:08:11.280 --> 0:08:13.360 to get like ten fillings and I'm like, I'm not 0:08:13.400 --> 0:08:15.400 even eating that much candy, and it wasn't until I 0:08:15.440 --> 0:08:17.040 got older. So I went to a dentist and he 0:08:17.160 --> 0:08:19.600 was like, what in the heck? He was like, where 0:08:19.640 --> 0:08:21.920 were you going before I was like what. He was like, 0:08:22.560 --> 0:08:26.400 some of these teeth have just like unnecessary feelings, basically 0:08:26.640 --> 0:08:29.000 like the dentists basically panning his pockets by giving me 0:08:29.120 --> 0:08:32.120 random yeah, And I was like, wow. 0:08:31.960 --> 0:08:34.440 Well you don't think about it because if your insurance 0:08:34.480 --> 0:08:36.000 covers it, you're like, oh, I'm not getting in charge 0:08:36.000 --> 0:08:38.239 for it, then okay, do the thing exactly. 0:08:38.640 --> 0:08:40.840 And so that's what made me like wow, And it 0:08:40.960 --> 0:08:43.320 just made me really like you said, you know, really 0:08:44.360 --> 0:08:46.600 remember that I really should get a second opinion, just 0:08:46.640 --> 0:08:49.160 because you know, the dentists, because I should have known. 0:08:49.240 --> 0:08:51.880 I'm like five work havities. I just had five less time, 0:08:52.000 --> 0:08:52.160 you know. 0:08:52.520 --> 0:08:54.679 Yeah. Well, there was a story in the New York 0:08:54.760 --> 0:08:57.880 Times just today today being Monday, that was about how 0:08:57.960 --> 0:09:00.640 dentists and I kind of brought this up to my dentists, 0:09:00.720 --> 0:09:02.760 which is kind of awkward, but it was about how 0:09:02.840 --> 0:09:06.760 dentists do too many X rays sometimes and you don't 0:09:06.760 --> 0:09:08.800 get charged, like you get your free annual X ray 0:09:08.800 --> 0:09:11.120 every year right from the dentists and your insurance covers it, 0:09:11.559 --> 0:09:13.560 and so whenever you go, the dentists will be like, oh, well, 0:09:13.559 --> 0:09:15.160 you get a free one, so go ahead and do it. 0:09:15.520 --> 0:09:17.920 But there are risks to getting the X ray, like 0:09:17.960 --> 0:09:24.360 it's unnecessary, unnecessary, radioactive whatever the term is, going into 0:09:24.360 --> 0:09:26.520 your body even though you have the protective stew or whatever. 0:09:27.040 --> 0:09:29.679 And basically the article talked about how you really as 0:09:29.720 --> 0:09:32.360 an adult with if you have good, healthy teeth, you 0:09:32.400 --> 0:09:35.199 only need one one every eighteen months instead of one 0:09:35.240 --> 0:09:38.360 every year. But dentists kind of do it because they 0:09:38.400 --> 0:09:40.679 can convince you to do it because it's free, and 0:09:40.720 --> 0:09:42.880 then they'll get the money from the insurer for doing it, 0:09:43.280 --> 0:09:44.400 like they're still going to get paid. 0:09:44.640 --> 0:09:46.400 Wow, that's terrible. 0:09:47.080 --> 0:09:49.360 Yeah, but if you're special like me and your tooth 0:09:49.440 --> 0:09:51.679 is all ft up, then you need special x rays 0:09:51.679 --> 0:09:55.000 many times. Also, I'm going to refund for my other 0:09:55.080 --> 0:09:58.280 dentists because I feel like I was told. I was 0:09:58.320 --> 0:10:00.679 told a lie that my teeth were perfect in the 0:10:00.840 --> 0:10:02.920 last two years, and I have been going and I 0:10:03.000 --> 0:10:05.000 have been taking care of my teeth, but it was 0:10:05.160 --> 0:10:08.280 it was like a kind of a like a freak 0:10:08.360 --> 0:10:11.120 thing from a feeling I had had like ten years 0:10:11.120 --> 0:10:14.720 ago that wasn't that like came back to I don't know, 0:10:15.000 --> 0:10:17.280 it started to decay or something like that. I don't know, 0:10:17.360 --> 0:10:20.440 but anyway, I guess the moral is to definitely go 0:10:20.440 --> 0:10:22.600 to more than one dentist if you feel like you're 0:10:22.640 --> 0:10:23.640 if they're missing stuff. 0:10:24.000 --> 0:10:26.920 Yeah, and also to if you know your body better 0:10:26.960 --> 0:10:29.920 than anyone, don't let anyone tell you how you feel. 0:10:30.240 --> 0:10:32.640 If something does not feel right or just doesn't seem 0:10:32.720 --> 0:10:34.760 right and it's not in alignment with what they're saying, 0:10:35.320 --> 0:10:37.840 then keep pushing. I hear that so many times when 0:10:37.840 --> 0:10:40.120 people will find out, you know what you were right, 0:10:40.200 --> 0:10:42.400 you do have this thing that's really wrong. Everybody was 0:10:42.440 --> 0:10:44.079 telling you, Oh it's nothing, you. 0:10:44.040 --> 0:10:47.520 Know, Oh yeah, I mean, well, it's hard, I think, 0:10:47.880 --> 0:10:50.679 especially in today's like medical culture, where everyone is like 0:10:51.480 --> 0:10:53.280 if you go to the regular doctor, like a primary 0:10:53.280 --> 0:10:55.880 care position, it's like tons of people, the waiting room 0:10:55.960 --> 0:10:58.439 is packed, they're only seeing you for like fifteen When 0:10:58.840 --> 0:11:00.960 when my doctor sees me, I love her, but she 0:11:01.080 --> 0:11:06.400 speaks like Gilmore girls fast like and I'm like, okay, okay, 0:11:06.440 --> 0:11:08.320 you know she's but guess because she has like so 0:11:08.360 --> 0:11:11.600 many other patients and I feel like they want the 0:11:11.640 --> 0:11:14.199 easy answer, and it's hard to find doctors who will 0:11:14.240 --> 0:11:17.400 like take the time to really listen to you. And 0:11:17.440 --> 0:11:19.359 that's when it's good to I guess see a specialist 0:11:19.480 --> 0:11:22.000 like this, Like this dentist sing a real specialist. He 0:11:22.040 --> 0:11:24.880 took his time. He was like putting me at ease, 0:11:25.200 --> 0:11:28.640 and I could tell he was like actually thinking really 0:11:28.679 --> 0:11:31.480 hard about the decision to yank a piece of someone's 0:11:31.520 --> 0:11:34.320 body out of their mouth. For as the other dentist 0:11:34.400 --> 0:11:36.720 was like, ah, we can do this, did all the time, 0:11:36.800 --> 0:11:39.880 let's do it right now. Three thousand dollars place exactly. 0:11:39.880 --> 0:11:41.400 I mean, I remember when I had to get a 0:11:42.320 --> 0:11:44.120 like a tooth, so who knows what I was supposed 0:11:44.120 --> 0:11:45.680 to get it, But I got like a tooth replaced, 0:11:45.720 --> 0:11:47.840 and they sent me to the specialist. He just like 0:11:47.880 --> 0:11:50.400 literally over my he looked. It was like yeah, And 0:11:50.440 --> 0:11:52.720 I didn't And at the time, my dentist, he was terrible. 0:11:53.320 --> 0:11:55.400 He didn't tell me. I didn't know. I was young, 0:11:55.440 --> 0:11:57.840 so I didn't know that you had to pay seventy 0:11:57.840 --> 0:11:59.320 five dollars for a guy to look in your mouth 0:11:59.360 --> 0:12:01.640 and say, yeah, this needs to come out. So when 0:12:01.679 --> 0:12:03.000 I got the bill, I'm like, what is this for? 0:12:03.040 --> 0:12:05.280 Because my dad just didn't say, we're going to refer 0:12:05.320 --> 0:12:07.200 you to a specialist. You know, this is an additional cost. 0:12:07.240 --> 0:12:08.800 He just said, I'm going to have my guy come 0:12:08.840 --> 0:12:10.360 in to take a look. And I just said okay, 0:12:10.400 --> 0:12:14.720 because you know what, I'm like twenty one, We're like okay, yeah, 0:12:14.800 --> 0:12:16.960 And so that was such like an eye opener. It's 0:12:17.040 --> 0:12:19.720 just you just got to be on your piece. I 0:12:19.720 --> 0:12:22.240 was gonna say q's and p's peace and qus. 0:12:22.600 --> 0:12:25.440 It's really you got to read your insurance policy to 0:12:25.440 --> 0:12:28.079 really know what you're covering. And yeah, the specialists costs 0:12:28.120 --> 0:12:31.199 more than a primary care physician. And if you get referred, 0:12:31.240 --> 0:12:33.800 like I always ask before it because most doctors don't 0:12:33.800 --> 0:12:36.240 want to talk about the billing, and it's okay because 0:12:36.240 --> 0:12:38.240 they're not They don't have the answers anyway. All the 0:12:38.280 --> 0:12:40.679 doctors do is do the thing that they're doing, and 0:12:40.720 --> 0:12:43.000 they tell the billing department what they did. The billing 0:12:43.040 --> 0:12:45.640 department decides what codes to use and what to tell 0:12:45.679 --> 0:12:48.320 your insure and they're the ones who hold the answers 0:12:48.360 --> 0:12:50.960 to what things cost. And I don't think you should 0:12:51.000 --> 0:12:53.520 be shy at all about asking your the billy asking 0:12:53.559 --> 0:12:55.800 to be transferred to the billing department and then saying, 0:12:55.800 --> 0:12:57.760 I need to come in for XYZ. Can you tell me, 0:12:58.200 --> 0:13:00.640 like give me an estimate of what my insurance would 0:13:00.640 --> 0:13:03.280 cover or what it would cost out of pocket, And 0:13:03.320 --> 0:13:05.800 they may like ho hum, and like, oh, we can't 0:13:05.800 --> 0:13:09.720 really tell until in more complicated complicated procedures, Like yeah, 0:13:09.760 --> 0:13:12.920 they can't tell. Like if you're getting some sort of 0:13:12.960 --> 0:13:16.360 like surgical operation and things become complicated, then yeah, it 0:13:16.360 --> 0:13:18.440 can cost a lot more. But if you're going in 0:13:18.480 --> 0:13:22.439 for like a routine filling or an an MRI or 0:13:22.480 --> 0:13:24.640 an X ray or something like that, they can pretty 0:13:24.720 --> 0:13:26.319 much tell you what the sticker price is going to be. 0:13:29.400 --> 0:13:34.559 Yeah, and that's our extended talk about that's actually but. 0:13:34.600 --> 0:13:37.360 Come on, like medical expenses, like are you this is 0:13:37.400 --> 0:13:39.360 my first time, you know, love my new job. But 0:13:39.400 --> 0:13:41.840 I'm looking at my insurance policy and we have a deductible, 0:13:41.960 --> 0:13:43.479 like a thousand dollars deductible. 0:13:43.800 --> 0:13:44.120 Okay. 0:13:44.480 --> 0:13:46.360 That means that I have to come out of pocket 0:13:46.720 --> 0:13:50.080 at least one thousand dollars before my insurance kicks in. 0:13:51.440 --> 0:13:53.600 So immediately I asked to raise my hands and I 0:13:53.640 --> 0:13:55.960 was like, wait a second, do we have an FSA 0:13:56.080 --> 0:14:00.439 account and an FSA Flex Savings account. It's base. You 0:14:00.480 --> 0:14:02.920 can contribute money before your texts are taken out of 0:14:02.920 --> 0:14:05.480 your paycheck. Okay, so you're saving, like I don't know 0:14:05.480 --> 0:14:08.160 whatever percentage your tax rate is fifteen twenty twenty five 0:14:08.160 --> 0:14:12.120 percent on those dollars. So I and we didn't have 0:14:12.160 --> 0:14:15.000 one and shout out to my boss. He was like, no, 0:14:15.040 --> 0:14:16.240 we don't, but I'll add one now. 0:14:16.880 --> 0:14:17.800 Oh that's awesome. 0:14:18.520 --> 0:14:20.400 Yeah, I think and you don't think to. I mean, 0:14:20.440 --> 0:14:22.520 I work at a small company, so it's that, you know, 0:14:22.640 --> 0:14:24.200 I don't think it's that easy all the time. But 0:14:25.080 --> 0:14:29.240 I think companies the best way to have change, you know, 0:14:29.360 --> 0:14:31.920 at your company they don't offer stuff like fessays, is 0:14:31.960 --> 0:14:34.120 just to like raise your hand and ask. You know, 0:14:34.160 --> 0:14:38.120 maybe they overlooked it or didn't consider the additional costs 0:14:38.200 --> 0:14:41.800 of having these deductibles. But it can't hurt to ask. 0:14:43.200 --> 0:14:45.760 It can never hurt to ask. What is somebody? I 0:14:45.800 --> 0:14:47.560 was on the phone with my friend CHK last night 0:14:47.600 --> 0:14:50.720 and he was like, if you don't ask, you don't get. 0:14:51.280 --> 0:14:52.960 And it took me a while that was like, wait 0:14:52.960 --> 0:14:55.640 a ah, Yeah, you don't ask, you don't get but 0:14:55.720 --> 0:14:56.400 that's just good. 0:14:57.440 --> 0:14:59.840 Ask ask, ask, It's been you know, I've had to 0:15:00.160 --> 0:15:01.600 for a lot of stuff because when you work at 0:15:01.600 --> 0:15:04.640 a smaller company, like there's stuff that you know, maybe 0:15:04.640 --> 0:15:07.680 they don't think about that you personally, you know, have 0:15:07.760 --> 0:15:10.960 thought about it or have asked for I can. The 0:15:11.080 --> 0:15:13.240 FSA is like one of the most recent examples, but 0:15:13.320 --> 0:15:19.040 like I don't know, plastic forks in the cabinet, coffee 0:15:19.040 --> 0:15:21.360 for the coffee machine, stuff like that, like those little things, 0:15:21.400 --> 0:15:24.160 and I've had to have some, like I think a lot. 0:15:24.200 --> 0:15:25.720 I've had to ask a lot of questions that I 0:15:25.720 --> 0:15:28.920 think people might feel awkward about generally, but if you 0:15:28.920 --> 0:15:30.920 don't do it, no one will, and then nothing ever gets. 0:15:30.720 --> 0:15:36.680 Better exactly someone else. Listen, now, how was did I ever? 0:15:37.120 --> 0:15:39.360 Did I share California? Deet? 0:15:39.840 --> 0:15:42.040 No, that's right, you were on vacation last week. 0:15:42.200 --> 0:15:43.600 Yeah, it was great. I mean, I would say the 0:15:43.600 --> 0:15:49.120 biggest highlight was definitely Universal Studios, which was awesome. Have 0:15:49.240 --> 0:15:50.760 you ever been to Universal Studios? 0:15:50.880 --> 0:15:53.680 Not since I was a little bit, and I would 0:15:53.680 --> 0:15:54.040 have never. 0:15:54.440 --> 0:15:55.440 I'm not gonna lie, so. 0:15:55.640 --> 0:15:57.640 I want to go as a grown up though, Oh. 0:15:57.560 --> 0:15:59.840 You should, Like I'm going to tell you Superman was 0:15:59.840 --> 0:16:03.280 like whatever, I'm not gonna even like love these rides. 0:16:03.320 --> 0:16:05.320 He was the biggest kid, like, oh my god, I 0:16:05.440 --> 0:16:06.440 love the Minions. 0:16:07.360 --> 0:16:09.520 Oh my god, the Minions. I go hard for the 0:16:09.560 --> 0:16:12.400 Minions for Halloween. 0:16:12.720 --> 0:16:15.440 Oh you were Oh yeah, the Minions are awesome. But 0:16:15.480 --> 0:16:20.560 the ride was incredible, like who knew the menu ride? 0:16:20.600 --> 0:16:23.920 I mean me, two minutes sixty six he got out, like, 0:16:25.400 --> 0:16:29.760 let's do it again. I know, but it was so 0:16:29.840 --> 0:16:31.880 much fun. I had to say, like, it was my 0:16:31.920 --> 0:16:34.080 second time going to Universe, so but the first time 0:16:34.120 --> 0:16:37.000 I wasted it, like cause I am not a I'm 0:16:37.000 --> 0:16:40.760 not a roller coaster person. And the first time I 0:16:40.840 --> 0:16:42.680 was in Florida speaking at an event and it was 0:16:42.800 --> 0:16:46.240 right next to Universal Studios. So the conference gave us 0:16:46.280 --> 0:16:50.480 like free passes or something. So I went, but I 0:16:50.560 --> 0:16:53.280 didn't like go on any rides because I assumed that 0:16:53.320 --> 0:16:55.680 they were roller coasters and I'm afraid of roller coasters. 0:16:55.840 --> 0:16:57.520 So this time I went and I just was like, well, 0:16:57.560 --> 0:16:59.240 I'm with the fan, we'll just all do the roller 0:16:59.240 --> 0:17:02.360 coasters together. Then I realized they're not roller coasters. They're 0:17:02.440 --> 0:17:04.840 virtual rides where you basically sit in one place, but 0:17:04.880 --> 0:17:08.400 you feel like you're moving, and I was like, oh, 0:17:08.440 --> 0:17:10.720 I had no idea. So it just so. Most of 0:17:10.720 --> 0:17:12.760 the dyes are virtual. Some of them move a little bit, 0:17:12.800 --> 0:17:15.480 like the Harry Potter ride definitely moves some It was awesome. 0:17:16.359 --> 0:17:19.919 The Mummy ride it was awesome, but most of it 0:17:19.960 --> 0:17:21.639 you kind of just sit in the chair and the 0:17:21.760 --> 0:17:23.840 chair will move a little and shake a little or 0:17:23.880 --> 0:17:26.160 go up and down a little. But the virtual part 0:17:26.200 --> 0:17:28.840 has you feeling like you're like falling down into a 0:17:28.840 --> 0:17:32.880 wormhole or flying sky. Yeah. It honestly, I can't even 0:17:32.920 --> 0:17:34.960 describe like it was awesome. 0:17:35.440 --> 0:17:37.359 Any tips on how much did it all cost? If 0:17:37.359 --> 0:17:38.480 you don't money, Okay. 0:17:38.200 --> 0:17:41.560 No, I don't mind. It was a grip, it was. 0:17:42.359 --> 0:17:45.359 It was one hundred dollars. We're like, well, Supergirl was 0:17:45.480 --> 0:17:47.840 ninety nine dollars because she's a kid, so I'm like, oh, 0:17:48.040 --> 0:17:50.800 that's that's what kids cost. Oh okay, and then for 0:17:50.880 --> 0:17:52.720 the adult it was like one fifteen. And I think 0:17:52.720 --> 0:17:54.439 I found like a five dollar coupon for each of 0:17:54.480 --> 0:17:58.040 us off, but I was doing so much research to 0:17:58.119 --> 0:17:58.760 try to get They. 0:17:58.760 --> 0:18:02.680 Started that surge pricing like uber so during one demand 0:18:02.680 --> 0:18:06.240