WEBVTT - Ep. 179 — Big Moves, Student Debt Mistakes and Car Lease Traps

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<v Speaker 1>Hey, hey, hey, I gave you a tenor voice. You know,

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<v Speaker 1>everyone doesn't get that we're back. We're black and we're brown.

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<v Speaker 1>I'm Tippany you.

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<v Speaker 2>Guys, it's Mandy Happy Wednesday.

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<v Speaker 1>Yes, So what's happening in the atmosphere?

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<v Speaker 2>Mandra You know, well, first of all, we must apologize.

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<v Speaker 2>This is like the third year running. I've had it

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<v Speaker 2>on my calendar that it's Junenteenth's and our show always

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<v Speaker 2>airs the day before the day of, and I totally

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<v Speaker 2>forgot to mention it last week. But hope you guys.

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<v Speaker 2>I feel like Juneteenth is becoming a real It was

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<v Speaker 2>like this, uh, I don't know, margin on the margins

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<v Speaker 2>kind of holiday, but now it's becoming like a real

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<v Speaker 2>I'm just glad that it's a day that at least

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<v Speaker 2>it's an excuse to reflect and think about, you know,

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<v Speaker 2>how you can live our days every life in the

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<v Speaker 2>spirit of what our ancestors would have wanted for us.

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<v Speaker 1>Yeah, we are truly I think our ancestors wildest, wildest dreams, Yes, ma'am,

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<v Speaker 1>cause I think Tyler Perry. I don't know what award

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<v Speaker 1>he was getting. I don't know if it was BT Awards. Yes,

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<v Speaker 1>and so He shared how his studio used to be

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<v Speaker 1>a Confederate Army base and he was like, you know

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<v Speaker 1>the purpose of you know that those soldiers was to

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<v Speaker 1>try to maintain slavery for Negroes. And he's like, now

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<v Speaker 1>a negro owns this place. And I just thought, wow, wow, wow,

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<v Speaker 1>just I mean, just a few generations from you removed,

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<v Speaker 1>you know. Yeah.

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<v Speaker 2>You know people asked me when I got married in Savannah, Georgia,

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<v Speaker 2>because I got married not in not on you know,

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<v Speaker 2>a former plantation that as far as I could research,

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<v Speaker 2>but I did get married. You know, if I'm being

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<v Speaker 2>realistic one hundred percent, you look back a couple of

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<v Speaker 2>centuries ago, they were probably slaves working that land. I mean,

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<v Speaker 2>there were slaves all over the South and especially in Georgia,

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<v Speaker 2>And you know, did I feel some type of way

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<v Speaker 2>about getting married in that area? And for me, I felt,

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<v Speaker 2>you know, if my ancestors did work these lands, you

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<v Speaker 2>know what about it, like if they're you know, if

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<v Speaker 2>if in twenty seventeen, I was getting married there and

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<v Speaker 2>you know, in a in a multi racial marriage with

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<v Speaker 2>like a super diverse you know, wedding party and and

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<v Speaker 2>guests and everything, and I just that was kind of

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<v Speaker 2>how I made my peace with it, and yeah, I

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<v Speaker 2>mean you do. It's it's it's like part about remembering

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<v Speaker 2>the you know, just the bloody beginning and the tragic

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<v Speaker 2>beginning of every of the country and what it took

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<v Speaker 2>to get to where we are now and recognizing how

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<v Speaker 2>far we have to go.

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<v Speaker 1>Mm hmm. And it's just like it's just right spots

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<v Speaker 1>exactly because it shows it that like I mean, if

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<v Speaker 1>you because you're right, you had super I mean you

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<v Speaker 1>had Asian, you had white, you had like you had.

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<v Speaker 2>It wasn't intentional.

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<v Speaker 1>I'm like, it was definitely U went of weddings.

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<v Speaker 2>It did look like I was like a college brochure

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<v Speaker 2>and I picked out my wedding party, like and here's

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<v Speaker 2>the brown one and here's the No, it just felt.

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<v Speaker 1>But it was awesome and so but no, I think

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<v Speaker 1>that it's I'm not someone who thinks that you shouldn't

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<v Speaker 1>be on places where you know, enslaved people we were,

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<v Speaker 1>because the truth is, I don't know that you could

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<v Speaker 1>ever go anywhere then, you know. I think instead it's

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<v Speaker 1>our job and our duty to change the narrative of

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<v Speaker 1>our places by showing up and being who we are.

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<v Speaker 1>Now you know they they were so we could be

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<v Speaker 1>and so like yeah, I just like like I love

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<v Speaker 1>that Tyler bought that place. It was like, yeah, this

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<v Speaker 1>is what it was, you know, but I have I

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<v Speaker 1>have taken command of this place and it's you know exactly,

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<v Speaker 1>you know, changing that narrative. So I think that's awesome.

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<v Speaker 2>I was looking as we're going to Portugal in August,

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<v Speaker 2>and Portugal, if you have you ever been to the

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<v Speaker 2>this was something I didn't know. Maybe I should have

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<v Speaker 2>known this, but they didn't teach me this in high school.

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<v Speaker 2>That Portugal was really the the beginning of the slave trade,

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<v Speaker 2>one of the you know, the first countries to ship

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<v Speaker 2>slaves to the Americas. And I didn't know that until

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<v Speaker 2>I went to the African American History Museum in DC,

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<v Speaker 2>which if you guys haven't gone, you gotta go, but

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<v Speaker 2>give yourself, like at least two days to go through it.

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<v Speaker 2>Have you been TV?

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<v Speaker 1>What to that? Now? No, anyone thank you for saying that.

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<v Speaker 1>You know, they actually reached out to me. They want

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<v Speaker 1>me to do a panel.

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<v Speaker 2>I just forgot, but maybe don't. I mean, like it

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<v Speaker 2>is so heavy that we did you know the ground

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<v Speaker 2>you go below ground for the first portion of the museum,

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<v Speaker 2>which covers the beginning of the slave trade all the

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<v Speaker 2>way to kind of you know, the age of Oprah,

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<v Speaker 2>you know, modern day, and then back on the like

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<v Speaker 2>the upper half of the museum has exhibits some like

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<v Speaker 2>pop culture and all this kind of stuff. Well, we

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<v Speaker 2>did the bottom half and it was so emotionally draining

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<v Speaker 2>that we had to leave. It took us probably like

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<v Speaker 2>four hours to get through it, and then we just couldn't,

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<v Speaker 2>you know, do the rest of the museum that day,

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<v Speaker 2>So give yourself time. But anyway, Portugal, So what I

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<v Speaker 2>learned about Portugal, So we're going there in a couple

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<v Speaker 2>of in a month or so, and I was looking

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<v Speaker 2>for any opportunity to take a tour maybe like look

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<v Speaker 2>at some former landmarks, you know, to learn about the

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<v Speaker 2>origins of slavery. There's not a ton out there. But

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<v Speaker 2>I did read about one guy who's trying to start

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<v Speaker 2>some tours and I think he was inspired by the

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<v Speaker 2>museum here in DC. And there's like a growing movement

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<v Speaker 2>for the country itself to recognize it's it's the role

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<v Speaker 2>that it played in proliferating slavery and everything.

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<v Speaker 1>Wow wow, Yeah.

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<v Speaker 2>But I hope everybody had a good, good Juneteenth and

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<v Speaker 2>summertime is officially underway.

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<v Speaker 1>Yes, I can't wait. I'm going to my first summertime

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<v Speaker 1>barbecue this weekend, actually the twenty eighth, which I think

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<v Speaker 1>is a Friday. I don't even know, but it's my

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<v Speaker 1>anniversary this Friday. Yeah, this Friday. It's my anniversary two years.

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<v Speaker 1>And I asked super Man, you know, what do you

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<v Speaker 1>want to do, and he was like, moving to this house.

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<v Speaker 1>So that's what we're doing. It's so finally the house

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<v Speaker 1>is done, guys, we're gonna be moving in. Because I

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<v Speaker 1>was thinking like, maybe, well we could go to like

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<v Speaker 1>Cape may or something, but honestly, the move it's like

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<v Speaker 1>the house is absolutely gorgeous and we're just so excited

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<v Speaker 1>to be in it. So I was like, it doesn't

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<v Speaker 1>make sense to try to go away for the weekend

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<v Speaker 1>because we're just gonna be stressed about so when we

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<v Speaker 1>come back, how we're gonna move during the week you know. Yeah,

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<v Speaker 1>so yeah, we're just gonna So a friend of mine

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<v Speaker 1>has he has a really beautiful house that he renovated

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<v Speaker 1>not too far so his wife is an amazing I

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<v Speaker 1>don't think she's like officially a chef, but she needs

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<v Speaker 1>to be. She makes the most amazing food. I mean

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<v Speaker 1>it looks like a catered like a fair. And so

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<v Speaker 1>they're having like their annual barbecue and I was like, well,

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<v Speaker 1>this will we are this is we could celebrate right

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<v Speaker 1>there at the barbecue. I will be eating all the

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<v Speaker 1>things wait watchers be damned, even though it's been going good.

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<v Speaker 1>But I was like, I'm saving all my points for

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<v Speaker 1>the week. So yeah, so what it's like not just work,

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<v Speaker 1>but she makes like this, like lobster mac and cheek.

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<v Speaker 1>You literally have to go early. Like I'm gonna be like, sir,

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<v Speaker 1>if you're running late, I'll to meet you there because

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<v Speaker 1>you have to go early. Her food is so good.

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<v Speaker 1>So we're just gonna celebrate, like, you know, lightly and

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<v Speaker 1>moving to this house and really marvel at how far

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<v Speaker 1>we've come together. And yeah, someone a friend of mine

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<v Speaker 1>has a friend who was asking about me and saying, so,

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<v Speaker 1>how's bunch of Nista? She never posted about her husband

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<v Speaker 1>on social media? What's going on there? I was like,

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<v Speaker 1>do people really were on a bitch and listeners? Do

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<v Speaker 1>you throw me shay because I don't post about Superman?

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<v Speaker 2>Is it Pwitsville for the budgets Superman, and I'm like,

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<v Speaker 2>you know, but.

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<v Speaker 1>Here's the thing, Like, literally, I mean I don't even

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<v Speaker 1>think about it, truthfully, because one, I mean, he's not

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<v Speaker 1>like you know how like Chip and Joanna. That's not

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<v Speaker 1>what Superman like, you know. I mean, every once in

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<v Speaker 1>a while I post like if it's relevant. Quite honestly,

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<v Speaker 1>I don't even think about it, like we're just literally

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<v Speaker 1>living our lives, living a great life. Actually, but I

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<v Speaker 1>never thought about that that someone was like, what does

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<v Speaker 1>he even do? I'm like, I don't think they're out

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<v Speaker 1>of the.

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<v Speaker 2>Podcast, honey, I know, because I'm like, we talk to

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<v Speaker 2>We talked all the time.

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<v Speaker 1>It's probably at nausea and especially when we were getting

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<v Speaker 1>like engaged and married. But yeah, no, Superman is a

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<v Speaker 1>super I'm I always call him super Superman. Yeah, he's

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<v Speaker 1>super for the City of Newark and just just dope.

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<v Speaker 1>I mean, he's just a regular guy, but he's awesome.

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<v Speaker 1>And yeah, don't posting about him on social media like

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<v Speaker 1>a whole lot, just because the truth is, I have

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<v Speaker 1>like a social media team now, and so largely like

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<v Speaker 1>they post like what's appropriate to the Bunchinisia, which is

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<v Speaker 1>financed because at one point, my my ig my ig

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<v Speaker 1>was literally like a day in the life, like, hey,

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<v Speaker 1>eating some chicken. I'm like, tivioty, what does this have

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<v Speaker 1>to do with bunch? So they took over. They're like,

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<v Speaker 1>we're gonna bring it back to personal finance. So yeah,

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<v Speaker 1>so if you're wondering, we're actually good. Thanks for the concern. Yeah,

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<v Speaker 1>but and also too, I stopped posting him on Facebook

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<v Speaker 1>because I would post him and then women would go

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<v Speaker 1>send friend requests. Can you imagine? So that was a

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<v Speaker 1>little whatever. But yeah, I mean, nothing's wrong with me,

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<v Speaker 1>but I just thought that was so I never thought

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<v Speaker 1>that anybody would even care or think about it, Like,

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<v Speaker 1>you know, it's just weird to me because I'm like,

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<v Speaker 1>what Superman, who's downstairs right now packing all these boxes

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<v Speaker 1>so we can move out of this place.

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<v Speaker 2>If you judge my marriage by my Instagram, you think

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<v Speaker 2>that I left him for my dog, Molly's. I cannot

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<v Speaker 2>stop myself, and like, I understand that people will probably

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<v Speaker 2>unfollow me once I got so many friend requests the

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<v Speaker 2>past Instagram requests the past couple of weeks, and I'm like,

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<v Speaker 2>y'all all ready for this because there's nothing but my dog.

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<v Speaker 2>I don't know what you want. I had no advice

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<v Speaker 2>for you. I got no words of wisdom. Here's my

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<v Speaker 2>adorable Dog're like, here's.

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<v Speaker 1>The money man, the money.

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<v Speaker 2>I mean, listen, I don't have a brand like Tiffany

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<v Speaker 2>to maintain.

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<v Speaker 1>No, But I understand, like, I mean, I get the curiosity,

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<v Speaker 1>but I just like, it's so weird that you think

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<v Speaker 1>that people are curious about like, you know, because I

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<v Speaker 1>feel like, especially here on the podcast, we talked so freely,

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<v Speaker 1>so clearly she must not listening to arounhmbition because I'm like, well,

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<v Speaker 1>what are you talking about? Ago? But I just thought

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<v Speaker 1>that was hilarious. She was like, yeah, girl, he inquiring

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<v Speaker 1>minds want to know. I'm like, okay, well were you God,

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<v Speaker 1>thanks for inquiring.

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<v Speaker 2>I guess I gotta do this. We got to talk

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<v Speaker 2>about this story really quick because I thought it was

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<v Speaker 2>kind of hilarious. So we all know, student loan debt

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<v Speaker 2>in America is just you know, a huge burden, and

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<v Speaker 2>the government, like the education departments being sued because programs

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<v Speaker 2>like public service loan forgiveness actually have not been forgiving

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<v Speaker 2>anybody's debt. Like very people even got you know, qualified

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<v Speaker 2>for that. Something like one hundred and fifty thousand people

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<v Speaker 2>are waiting in line right now.

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<v Speaker 1>See look, yeah, I'm still taking every time.

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<v Speaker 2>Oh hey, Superman, He's like, oh, I heard the Universe

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<v Speaker 2>told me I was being mentioned. I'm sorry, manager, go ahead,

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<v Speaker 2>It's okay anyway. Student loan debt, you know, it probably

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<v Speaker 2>touches every one of us who had the fortune of

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<v Speaker 2>going to college or misfortune depending on how you how

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<v Speaker 2>much debt you have, So you know, I'll be the

0:11:00.320 --> 0:11:03.080
<v Speaker 2>government is not is you know, is no guarantee that

0:11:03.120 --> 0:11:05.160
<v Speaker 2>your student loan debt will be forgiven even if you

0:11:05.200 --> 0:11:08.920
<v Speaker 2>do everything right. But there are There's this new app

0:11:08.960 --> 0:11:12.600
<v Speaker 2>that people got really excited about called Gibling, the Gibling

0:11:12.760 --> 0:11:15.240
<v Speaker 2>trivia app. Trivia apps are like a hot thing right now.

0:11:15.280 --> 0:11:18.120
<v Speaker 2>But basically it's the trivia app that you pay to play.

0:11:18.360 --> 0:11:21.160
<v Speaker 2>So it's like fifty cents. I think there's a free level,

0:11:21.200 --> 0:11:24.160
<v Speaker 2>and then you pay fifty cents to get additional credits

0:11:24.200 --> 0:11:27.880
<v Speaker 2>to pay to play bigger, larger levels, and the ultimate

0:11:27.920 --> 0:11:30.400
<v Speaker 2>goal is that you can win up to forty fifty

0:11:30.440 --> 0:11:33.800
<v Speaker 2>thousand dollars. That's like the grand prize. And people have

0:11:33.920 --> 0:11:36.320
<v Speaker 2>won the money and you know, they're able to use

0:11:36.360 --> 0:11:38.640
<v Speaker 2>it to pay off their student loan debt. But there's

0:11:38.679 --> 0:11:40.800
<v Speaker 2>a story on seeing Me See that I thought was crazy.

0:11:40.840 --> 0:11:43.440
<v Speaker 2>So because it's kind of a gamification kind of thing.

0:11:43.480 --> 0:11:45.559
<v Speaker 2>You have to pay to play at a certain level,

0:11:45.800 --> 0:11:48.680
<v Speaker 2>and then you have to like you can pay, you

0:11:48.720 --> 0:11:52.840
<v Speaker 2>can purchase like little items in the Gibling Trivia app

0:11:52.920 --> 0:11:56.000
<v Speaker 2>store to get more credits to play more rounds, and

0:11:56.080 --> 0:11:59.160
<v Speaker 2>people have been legit getting addicted to it, like the story.

0:12:00.080 --> 0:12:03.040
<v Speaker 2>The story interviewed some woman who spent forty two thousand

0:12:03.080 --> 0:12:07.000
<v Speaker 2>dollars to win and a guy who borrowed twenty thousand

0:12:07.080 --> 0:12:10.080
<v Speaker 2>dollars from his four oh one K did he win too?

0:12:10.200 --> 0:12:14.079
<v Speaker 2>And no, no, And like the people who were doing

0:12:14.160 --> 0:12:16.280
<v Speaker 2>it are like, you know they are you know, they've

0:12:16.480 --> 0:12:18.800
<v Speaker 2>they've done like other game shows and things like that.

0:12:18.920 --> 0:12:22.000
<v Speaker 2>And so now this this app that people were really

0:12:22.000 --> 0:12:24.640
<v Speaker 2>excited about, there's all these questions about whether it's is

0:12:24.640 --> 0:12:28.600
<v Speaker 2>it gambling? Is it really helping people pay off their

0:12:28.920 --> 0:12:32.560
<v Speaker 2>student loan debt? And I mean, it's so sad to

0:12:32.600 --> 0:12:35.319
<v Speaker 2>me that people are dipping into their four oh one K.

0:12:35.920 --> 0:12:38.920
<v Speaker 2>Don't do that. There's no easy way out of debt,

0:12:39.000 --> 0:12:41.680
<v Speaker 2>and this game is certainly not like you might as

0:12:41.679 --> 0:12:44.720
<v Speaker 2>well us go to your bodega and get a lotto ticket.

0:12:44.800 --> 0:12:47.360
<v Speaker 1>You know, that's literally what that is. I didn't know,

0:12:47.440 --> 0:12:50.240
<v Speaker 1>like that's crazy because I see, I'm like looking it

0:12:50.240 --> 0:12:52.360
<v Speaker 1>says the app is free, but I do know, like

0:12:52.360 --> 0:12:53.880
<v Speaker 1>the re Member candy Crush, you would have to like

0:12:53.920 --> 0:12:58.000
<v Speaker 1>buy these little like whatever it is. Wow, I guess

0:12:58.480 --> 0:13:00.320
<v Speaker 1>you have to just be mindful of yourself that if

0:13:00.360 --> 0:13:02.840
<v Speaker 1>you've got a personality that's like you know that leans

0:13:02.880 --> 0:13:06.640
<v Speaker 1>towards scambling and you might not even know until you

0:13:06.720 --> 0:13:10.559
<v Speaker 1>try something. But if you're someone who, yeah, there's typically

0:13:10.600 --> 0:13:12.480
<v Speaker 1>no easy way. I mean, we would all love an

0:13:12.520 --> 0:13:15.400
<v Speaker 1>easy way out of student loans. And unfortunately, like you said,

0:13:15.520 --> 0:13:18.720
<v Speaker 1>forgiveness is it has gotten even harder. It was hard before,

0:13:18.720 --> 0:13:20.800
<v Speaker 1>but it's even harder now. So I could see why

0:13:20.800 --> 0:13:24.280
<v Speaker 1>people turn to desperate measures. But forty thousand dollars to

0:13:24.360 --> 0:13:27.840
<v Speaker 1>win fifty thousand, you can do better at vegas.

0:13:28.440 --> 0:13:30.680
<v Speaker 2>I mean please, yeah, go to the slot machines or

0:13:31.120 --> 0:13:34.199
<v Speaker 2>you know, vote for candidates who maybe have some progressive

0:13:34.280 --> 0:13:38.640
<v Speaker 2>student loan policy ideas. And I know we're early, like

0:13:39.000 --> 0:13:41.199
<v Speaker 2>you know, as far as like election twenty twenty goes.

0:13:41.400 --> 0:13:44.280
<v Speaker 2>There's seventy eleven people running on the Democratic ticker right

0:13:44.320 --> 0:13:47.000
<v Speaker 2>now that it's just too many to pay attention to.

0:13:47.200 --> 0:13:49.400
<v Speaker 2>And I feel like I'm really going to start paying

0:13:49.440 --> 0:13:52.560
<v Speaker 2>attention in January. That's when I'll start tuning in. But

0:13:52.880 --> 0:13:57.040
<v Speaker 2>I have to say, if you're focusing on issues that

0:13:57.080 --> 0:13:59.080
<v Speaker 2>you want to look at, you know, I'm waiting on

0:13:59.120 --> 0:14:01.560
<v Speaker 2>candadates to come out with policies, for example, on healthcare,

0:14:01.960 --> 0:14:06.880
<v Speaker 2>student loans, and maternity family leave. Those are the three

0:14:06.920 --> 0:14:10.360
<v Speaker 2>that I care a lot about and really like, very

0:14:10.400 --> 0:14:13.600
<v Speaker 2>few if any candidates have had any real policies to share,

0:14:13.800 --> 0:14:18.560
<v Speaker 2>except for Elizabeth Warren and Bernie Sanders. So they both

0:14:18.559 --> 0:14:22.040
<v Speaker 2>come out with plans to cancel student loan debt and

0:14:22.120 --> 0:14:25.200
<v Speaker 2>really like have a much more progressive plan to get

0:14:25.280 --> 0:14:29.360
<v Speaker 2>rid of debt versus like public service loan forgiveness, which,

0:14:29.640 --> 0:14:33.600
<v Speaker 2>to be fair to you know, President you know who,

0:14:33.720 --> 0:14:37.760
<v Speaker 2>it wasn't his program. However under his watch it has

0:14:37.880 --> 0:14:41.920
<v Speaker 2>been completely useless to people. Was meant to help. But

0:14:41.960 --> 0:14:45.000
<v Speaker 2>their plans would basically, like Bernie Sanders would have forgive

0:14:45.040 --> 0:14:47.520
<v Speaker 2>it everyone's debt, like cancel it like zero it out

0:14:47.520 --> 0:14:49.880
<v Speaker 2>within six months, which sounds to me like too crazy

0:14:49.960 --> 0:14:53.680
<v Speaker 2>to actually, yeah, like possible, But that's why he's so progressive.

0:14:54.120 --> 0:14:58.320
<v Speaker 2>Lizzie Warren's plan would pay for pay to forget most

0:14:58.320 --> 0:15:01.600
<v Speaker 2>people's debt, except for people who you know, have proven

0:15:01.600 --> 0:15:03.920
<v Speaker 2>income that they can afford their debt, which is like

0:15:04.040 --> 0:15:05.320
<v Speaker 2>ninety five percent of people.

0:15:05.960 --> 0:15:06.200
<v Speaker 1>Okay.

0:15:06.280 --> 0:15:08.080
<v Speaker 2>The way that she would pay for it is by

0:15:08.160 --> 0:15:12.520
<v Speaker 2>implementing and partly by implementing a wealth tax, a private

0:15:12.560 --> 0:15:15.840
<v Speaker 2>wealth tax, which would hit families who have over fifty

0:15:15.880 --> 0:15:19.920
<v Speaker 2>million dollars in assets. So like the top point zero

0:15:20.040 --> 0:15:23.600
<v Speaker 2>zero zero zero er is zero one percent, yeah, which

0:15:23.600 --> 0:15:25.880
<v Speaker 2>to me sounds a bit more realistic.

0:15:25.960 --> 0:15:28.440
<v Speaker 1>So yeah, but you know, those people also also have

0:15:28.720 --> 0:15:31.640
<v Speaker 1>like a lot of political power and pull to lobby

0:15:31.720 --> 0:15:34.760
<v Speaker 1>and this and that. So I don't know how she'd

0:15:34.760 --> 0:15:35.920
<v Speaker 1>be able to get that passed.

0:15:36.600 --> 0:15:40.320
<v Speaker 2>I think there's like the wealth tax, there's it's gaining support,

0:15:40.400 --> 0:15:44.040
<v Speaker 2>Like there is a medium like these eleven or eighteen

0:15:44.040 --> 0:15:48.400
<v Speaker 2>millionaires or however billionaires whatever they are, they got together

0:15:48.440 --> 0:15:50.880
<v Speaker 2>and posted on medium they were like, please tax us.

0:15:51.120 --> 0:15:54.600
<v Speaker 1>Okay, well that's good. I'd should to say they're probably

0:15:54.720 --> 0:15:57.640
<v Speaker 1>in the minority, but I mean, I agree, it doesn't

0:15:58.200 --> 0:16:00.320
<v Speaker 1>you know, I'm not gonna lie. I feel uncomfortable. That's

0:16:00.440 --> 0:16:03.160
<v Speaker 1>that there are times like were my tax rate with

0:16:03.200 --> 0:16:06.440
<v Speaker 1>the new Trump laws, my tax rate as Tiffany the

0:16:06.520 --> 0:16:10.320
<v Speaker 1>baby millionaire are lower than my tax rate as Tiffany

0:16:10.320 --> 0:16:13.480
<v Speaker 1>the preschool teacher. That's crazy. The preschool teacher needed the help,

0:16:13.520 --> 0:16:16.800
<v Speaker 1>I don't, you know. And that the thing is my

0:16:16.840 --> 0:16:20.280
<v Speaker 1>taxes weren't this rate before, but now they are, and

0:16:20.360 --> 0:16:25.760
<v Speaker 1>so like yeah, it's just it's ridiculous, like it's it's

0:16:26.000 --> 0:16:28.360
<v Speaker 1>it doesn't make sense. I believe my business tax rate

0:16:28.440 --> 0:16:31.400
<v Speaker 1>went from thirty five percent, I think the twenty one

0:16:31.440 --> 0:16:34.000
<v Speaker 1>percent and then anything that bills over after that me

0:16:34.080 --> 0:16:36.960
<v Speaker 1>personally as fifteen percent, but as Tiffany the teacher, I

0:16:36.960 --> 0:16:39.560
<v Speaker 1>think I was at twenty or twenty five percent. That's crazy.

0:16:39.840 --> 0:16:42.400
<v Speaker 1>Why I don't mind paying what to do? You know?

0:16:42.440 --> 0:16:45.040
<v Speaker 1>Like me is Tiffany, I was paying it before. I

0:16:45.120 --> 0:16:47.040
<v Speaker 1>just it doesn't make sense. Like when people were like, yay,

0:16:47.040 --> 0:16:49.400
<v Speaker 1>we're gonna get remember when everyone finally got their refunds

0:16:49.400 --> 0:16:51.160
<v Speaker 1>and they realized that this new tax law wasn't so

0:16:51.200 --> 0:16:53.840
<v Speaker 1>great after all, because it wasn't helping anyone that was

0:16:53.880 --> 0:16:56.120
<v Speaker 1>actually needing the help. I was looking and I was like,

0:16:56.360 --> 0:16:58.920
<v Speaker 1>you know, my accountant Carls, was like, yeah, you're you

0:16:58.960 --> 0:17:01.200
<v Speaker 1>know you tax figure is going to drop. I'm like,

0:17:01.240 --> 0:17:05.560
<v Speaker 1>what what why? I mean not, I mean, I guess

0:17:05.600 --> 0:17:06.720
<v Speaker 1>it's nice to pay less.

0:17:06.760 --> 0:17:10.160
<v Speaker 2>But what doesn't is you're turning a Republican.

0:17:10.880 --> 0:17:14.600
<v Speaker 1>No, I honestly, I honestly was like, it doesn't make sense,

0:17:15.040 --> 0:17:18.200
<v Speaker 1>you know, like, yeah, it doesn't make sense. And honestly,

0:17:18.240 --> 0:17:22.240
<v Speaker 1>it's not fair because you are penalizing people for being

0:17:23.000 --> 0:17:26.560
<v Speaker 1>for being regular, like for like you know, like preschool

0:17:26.560 --> 0:17:29.359
<v Speaker 1>teacher tipany she needed fifteen percent, not me. Now I

0:17:29.359 --> 0:17:31.639
<v Speaker 1>can't afford to pay more. And I don't mind paying

0:17:31.640 --> 0:17:34.159
<v Speaker 1>more because I know it's supposed to contribute to the

0:17:34.160 --> 0:17:38.960
<v Speaker 1>betterment of everyone. And so yeah, I just well, chah,

0:17:39.119 --> 0:17:40.800
<v Speaker 1>let's see this next election. It's going to be a

0:17:40.920 --> 0:17:43.159
<v Speaker 1>who is part of my French? A shit show? A

0:17:43.160 --> 0:17:45.520
<v Speaker 1>lot of people say part of my French Like when

0:17:45.560 --> 0:17:47.160
<v Speaker 1>they curse, what does that come from?

0:17:47.400 --> 0:17:49.719
<v Speaker 2>Maybe the French are known for their vulgarity.

0:17:49.840 --> 0:17:53.800
<v Speaker 1>I don't know many French because I was just thinking that,

0:17:53.840 --> 0:17:56.520
<v Speaker 1>like people are like part of my friends. Shit.

0:17:56.680 --> 0:17:59.920
<v Speaker 2>You're like, wait does that how does one say should

0:18:00.080 --> 0:18:06.160
<v Speaker 2>show en Francis, all right, well, anyway, this is your

0:18:06.280 --> 0:18:10.440
<v Speaker 2>this is your little mini twenty twenty election debate reminder.

0:18:10.440 --> 0:18:12.320
<v Speaker 2>Tomorrow there is a debate. So if you're interested to

0:18:12.320 --> 0:18:15.160
<v Speaker 2>see what these twenty eleven seventy eleven candidates have to say,

0:18:15.560 --> 0:18:17.880
<v Speaker 2>if you're trying to whittle out to see who's legit

0:18:17.880 --> 0:18:19.879
<v Speaker 2>and who's not, you can tune in on the twenty

0:18:20.240 --> 0:18:25.080
<v Speaker 2>what's tomorrow the twenty sixth Wednesday, and there's another debate

0:18:25.119 --> 0:19:00.399
<v Speaker 2>the twenty eighth or twenty seventh on Thursday.

0:19:00.840 --> 0:19:06.080
<v Speaker 1>Now it's time we're into questions to answer questions from

0:19:06.080 --> 0:19:08.240
<v Speaker 1>all our families. See this is not even at the end.

0:19:08.960 --> 0:19:12.679
<v Speaker 1>Q U E s T I. Oh, And that's why

0:19:13.080 --> 0:19:14.359
<v Speaker 1>I felt like I didn't whatever.

0:19:16.440 --> 0:19:19.439
<v Speaker 2>I was just thrown off by the Mickey Mouse in

0:19:19.480 --> 0:19:20.359
<v Speaker 2>the middle of the show.

0:19:21.840 --> 0:19:23.520
<v Speaker 1>I keep it going your toes. One time in one

0:19:23.520 --> 0:19:25.680
<v Speaker 1>of my videos, like I was like saying, hey, sign

0:19:25.760 --> 0:19:27.679
<v Speaker 1>up for a free class or something like that, and

0:19:27.760 --> 0:19:30.040
<v Speaker 1>I felt budgets and I forgot the D. I was like,

0:19:30.119 --> 0:19:35.879
<v Speaker 1>b U g E D. I did not notice until

0:19:35.920 --> 0:19:37.760
<v Speaker 1>someone was like pretty sure they'd be in.

0:19:37.720 --> 0:19:43.560
<v Speaker 2>There, was like, yeah, there is I know the internet, but.

0:19:43.640 --> 0:19:47.119
<v Speaker 1>It was hilarious because my my video editor. He was like,

0:19:47.160 --> 0:19:49.160
<v Speaker 1>he put the numbers on the screen and said BU

0:19:49.440 --> 0:19:50.680
<v Speaker 1>and when it came to the D there was a

0:19:50.760 --> 0:19:53.119
<v Speaker 1>question mark and then he went on. I was like, oh,

0:19:53.160 --> 0:19:54.960
<v Speaker 1>so you're petty, but I just thought it was hilary.

0:19:54.960 --> 0:19:55.919
<v Speaker 1>He's like, you want me to keep it? I might

0:19:56.000 --> 0:19:57.680
<v Speaker 1>keep it because I think people will get a kick

0:19:57.720 --> 0:20:01.879
<v Speaker 1>out of it. But yeah, I'm not seems just like us.

0:20:03.480 --> 0:20:06.199
<v Speaker 1>So we have any good question on you guys have

0:20:06.200 --> 0:20:08.600
<v Speaker 1>been doing really great questions please, but I really appreciate them.

0:20:08.760 --> 0:20:11.120
<v Speaker 2>Yeah, thank you guys for sending us your questions. I'm

0:20:11.119 --> 0:20:13.600
<v Speaker 2>gonna skip to the gram skip skip, skip to the

0:20:13.680 --> 0:20:15.760
<v Speaker 2>gram again. You guys can hit us up on Instagram

0:20:15.760 --> 0:20:19.560
<v Speaker 2>with your questions at Brand Ambition Podcast and I check

0:20:19.640 --> 0:20:21.879
<v Speaker 2>those every week and we've got a couple there. You

0:20:21.880 --> 0:20:24.480
<v Speaker 2>can still email us if you'd like to. If you

0:20:24.720 --> 0:20:27.480
<v Speaker 2>like me get annoyed typing into a tiny phone. Sometimes,

0:20:28.400 --> 0:20:31.240
<v Speaker 2>you can go to Brand Ambition Podcast at gmail dot

0:20:31.280 --> 0:20:33.960
<v Speaker 2>com to answer your question, and I promise I will

0:20:34.000 --> 0:20:36.879
<v Speaker 2>answer at least one question from email along with your

0:20:36.920 --> 0:20:41.000
<v Speaker 2>Instagram questions, so you don't feel like I am favoring

0:20:41.600 --> 0:20:45.520
<v Speaker 2>favoring any one person. So here we go, let's see

0:20:45.680 --> 0:20:49.680
<v Speaker 2>so here. This question comes from Instagram user named Sinclair

0:20:49.880 --> 0:20:53.199
<v Speaker 2>at Nachos and A. She says, Hi, ladies, I love

0:20:53.240 --> 0:20:56.400
<v Speaker 2>your podcast. I'm the only person in my family who

0:20:56.440 --> 0:21:00.520
<v Speaker 2>has any semblance of financial understanding and planning. My niece

0:21:00.560 --> 0:21:03.080
<v Speaker 2>is twenty and just got her first job. I'm trying

0:21:03.119 --> 0:21:05.480
<v Speaker 2>to convince her to open a checking and savings account

0:21:05.720 --> 0:21:09.400
<v Speaker 2>and to start setting a little bit aside for emergency savings. However,

0:21:09.520 --> 0:21:13.120
<v Speaker 2>her financially illiterate parents full shade her words, not mine,

0:21:13.680 --> 0:21:17.959
<v Speaker 2>ardently her financial Her financially illiterate parents are telling her

0:21:18.040 --> 0:21:20.159
<v Speaker 2>not to open any type of account and just to

0:21:20.240 --> 0:21:24.240
<v Speaker 2>keep cash. Sounds like my dad. I've known her parents

0:21:24.320 --> 0:21:26.760
<v Speaker 2>my whole life, and I know this is a mistake.

0:21:27.080 --> 0:21:29.520
<v Speaker 2>Her money will just get lost and no one has

0:21:29.560 --> 0:21:32.000
<v Speaker 2>seen it if she does that, How do I convince

0:21:32.000 --> 0:21:33.879
<v Speaker 2>her that she needs to get an account so that

0:21:33.920 --> 0:21:36.600
<v Speaker 2>her money is sitting some more safer than her underwear drawer.

0:21:38.680 --> 0:21:42.160
<v Speaker 2>So I have been trying to convince my dad. And

0:21:42.280 --> 0:21:43.760
<v Speaker 2>I won't tell you where he lives so you can

0:21:43.760 --> 0:21:46.560
<v Speaker 2>go rob him, But I mean, I don't think you'd

0:21:46.560 --> 0:21:50.480
<v Speaker 2>find very much. But literally, the man bald up socks,

0:21:50.920 --> 0:21:54.360
<v Speaker 2>balled up mattresses, just all the linens in his closet.

0:21:54.840 --> 0:21:57.159
<v Speaker 2>You know, that is where he stashes stuff. And it

0:21:57.240 --> 0:22:01.200
<v Speaker 2>is just like boggling to me. But anyway, he he's

0:22:01.200 --> 0:22:03.520
<v Speaker 2>a lost cause he's almost sixty years old. I'm not.

0:22:03.880 --> 0:22:07.000
<v Speaker 1>We're here, right, we're here, right, we're here now, we're right.

0:22:07.080 --> 0:22:11.000
<v Speaker 1>But for this young woman, there's hope. There is hope.

0:22:11.080 --> 0:22:14.639
<v Speaker 1>And I would here's the thing, like, especially when it

0:22:14.680 --> 0:22:17.720
<v Speaker 1>comes to young people, you know, the lecture, nobody cares.

0:22:17.840 --> 0:22:20.399
<v Speaker 1>Nobody cares. Instead, you have to figure out how do

0:22:20.520 --> 0:22:23.000
<v Speaker 1>I get her to want to? So I would say

0:22:23.040 --> 0:22:26.879
<v Speaker 1>something like, you know, like you should definitely open the

0:22:26.960 --> 0:22:29.440
<v Speaker 1>checking account because you get direct deposit and sometimes you

0:22:29.560 --> 0:22:32.760
<v Speaker 1>actually get paid a day sooner. That way, the money's

0:22:32.800 --> 0:22:35.240
<v Speaker 1>inside your account. So you see, like there's a benefit

0:22:35.600 --> 0:22:38.480
<v Speaker 1>to not cashing out your money that if it lands

0:22:38.480 --> 0:22:41.840
<v Speaker 1>in your checking account. Girl, you know, like like you

0:22:41.920 --> 0:22:44.040
<v Speaker 1>know for sure got by paycheck and you can't lose

0:22:44.080 --> 0:22:46.240
<v Speaker 1>it if you go to the check cashing place, do

0:22:46.280 --> 0:22:49.840
<v Speaker 1>you know they take whatever percentage. So literally, in order

0:22:49.840 --> 0:22:51.360
<v Speaker 1>for you to get your money, you have to spend

0:22:51.440 --> 0:22:54.240
<v Speaker 1>money to get your money. I would lean into the

0:22:54.320 --> 0:22:57.760
<v Speaker 1>benefits rather than the are you crazy, that's foolish, you

0:22:57.760 --> 0:23:01.320
<v Speaker 1>know what I mean? Like so that I would do

0:23:01.320 --> 0:23:06.720
<v Speaker 1>that to start, like having her understand like you need

0:23:06.760 --> 0:23:09.160
<v Speaker 1>to save, you need to that's gonna be too much

0:23:09.240 --> 0:23:11.520
<v Speaker 1>because she has to relearn a lot of things or

0:23:11.560 --> 0:23:14.399
<v Speaker 1>just learn in general. So just start with super simple

0:23:14.800 --> 0:23:17.240
<v Speaker 1>opening up a checking account. That's it. Get her to

0:23:17.240 --> 0:23:19.440
<v Speaker 1>open it up, because she's gonna get her direct deposit,

0:23:19.520 --> 0:23:21.600
<v Speaker 1>get her money a little sooner. She's not gonna have

0:23:21.640 --> 0:23:23.320
<v Speaker 1>to wait. She's not gonna have to go to check

0:23:23.320 --> 0:23:27.240
<v Speaker 1>cashing and spend money that way. I like, there's a

0:23:27.240 --> 0:23:30.119
<v Speaker 1>story of a woman who I know. She she cashed

0:23:30.119 --> 0:23:32.040
<v Speaker 1>her refund check a few thousand dollars at the check

0:23:32.040 --> 0:23:35.360
<v Speaker 1>cashing place and lost the money, and so like sharing

0:23:35.400 --> 0:23:37.080
<v Speaker 1>that kind of stuff like that's why I used to

0:23:37.119 --> 0:23:38.840
<v Speaker 1>really open a check account so that way you know

0:23:38.920 --> 0:23:41.720
<v Speaker 1>your money has landed there. And then once she does that,

0:23:41.800 --> 0:23:44.720
<v Speaker 1>then you can start working toward you know, like you

0:23:44.880 --> 0:23:47.560
<v Speaker 1>you have one hundred dollars left of in your checking girl,

0:23:47.600 --> 0:23:49.520
<v Speaker 1>you know you can make some interest, even if it's

0:23:49.520 --> 0:23:51.080
<v Speaker 1>just two or three dollars. You should put it in

0:23:51.119 --> 0:23:54.120
<v Speaker 1>this online only savings account. Because they're actually gonna pay

0:23:54.160 --> 0:23:56.119
<v Speaker 1>you money for keeping you money here. But do you

0:23:56.160 --> 0:23:59.080
<v Speaker 1>see how you have to build when someone is adverse

0:23:59.119 --> 0:24:03.879
<v Speaker 1>to making financial choices. I lean toward the positivity of

0:24:03.920 --> 0:24:06.600
<v Speaker 1>it all and then building once I've gotten them to

0:24:06.600 --> 0:24:07.719
<v Speaker 1>make take one step.

0:24:08.640 --> 0:24:11.840
<v Speaker 2>Yeah, And I feel like, you know, to be honest.

0:24:12.280 --> 0:24:14.199
<v Speaker 2>And I have friends who do this. They like to

0:24:14.240 --> 0:24:15.760
<v Speaker 2>keep a little bit of cash in the house for

0:24:15.840 --> 0:24:18.840
<v Speaker 2>like the zombie apocalypse, you know, if it ever happens.

0:24:19.080 --> 0:24:21.399
<v Speaker 2>And I'm cool with that. You know, I'm stockpiling bottles

0:24:21.440 --> 0:24:24.439
<v Speaker 2>of water for the same reason. But you can think of,

0:24:24.480 --> 0:24:26.080
<v Speaker 2>like how much, pointy, do you really need to have

0:24:26.160 --> 0:24:28.560
<v Speaker 2>lying around the house? A couple hundred bucks, one hundred bucks,

0:24:28.560 --> 0:24:30.840
<v Speaker 2>And like, once she has that, maybe it's a good

0:24:30.880 --> 0:24:33.240
<v Speaker 2>tool just to get her to start thinking about saving.

0:24:33.359 --> 0:24:35.119
<v Speaker 2>You know, let's try and save one hundred dollars so

0:24:35.160 --> 0:24:37.280
<v Speaker 2>you can put it in your you know, your sock

0:24:37.359 --> 0:24:40.000
<v Speaker 2>drawer and you have cash if an emergency comes up,

0:24:40.160 --> 0:24:41.760
<v Speaker 2>or you know, if you need to run for your

0:24:41.760 --> 0:24:44.800
<v Speaker 2>life and whatever the zombies are coming. And then that

0:24:44.840 --> 0:24:47.760
<v Speaker 2>starts building the habit. And if you're starting her first job,

0:24:47.920 --> 0:24:49.479
<v Speaker 2>like Tiffany said, it's going to be hard for her

0:24:49.520 --> 0:24:52.800
<v Speaker 2>to even not have direct deposit into a checking account,

0:24:53.640 --> 0:24:56.080
<v Speaker 2>like a lot of some companies you know, require it,

0:24:56.160 --> 0:24:57.879
<v Speaker 2>and they get all up in the arms if you

0:24:57.920 --> 0:25:00.680
<v Speaker 2>make them mail you a check, because actually host companies

0:25:00.680 --> 0:25:03.000
<v Speaker 2>to mail you checks. Yes, you know, it's it's an

0:25:03.040 --> 0:25:06.840
<v Speaker 2>expense for them. You could even show her, you know, once,

0:25:06.960 --> 0:25:09.879
<v Speaker 2>like Tiffany said, starting her off small, just like opening

0:25:09.920 --> 0:25:12.720
<v Speaker 2>and checking account, you know, just just just setting on

0:25:12.800 --> 0:25:15.199
<v Speaker 2>for a deposit and just doing something very small. And

0:25:15.240 --> 0:25:17.879
<v Speaker 2>then like once she's ready or once you feel like, okay,

0:25:17.920 --> 0:25:19.879
<v Speaker 2>it's been a month or two, maybe I'll start talking

0:25:19.880 --> 0:25:23.200
<v Speaker 2>to her about a savings account. Take one of those,

0:25:23.280 --> 0:25:26.560
<v Speaker 2>like take a calculator online and show her what would

0:25:26.560 --> 0:25:28.440
<v Speaker 2>happen to her money if she put it into a

0:25:28.440 --> 0:25:30.960
<v Speaker 2>savings account, even earning like two percent, you know, like

0:25:31.040 --> 0:25:33.880
<v Speaker 2>how much money she would earn versus how much money

0:25:33.960 --> 0:25:36.280
<v Speaker 2>she could lose if she just gets those checks and

0:25:36.320 --> 0:25:38.920
<v Speaker 2>cashes them, you know. And then that could like put

0:25:38.920 --> 0:25:41.840
<v Speaker 2>a number to how much her money is working for her.

0:25:42.280 --> 0:25:44.880
<v Speaker 1>And if you are you are financially like okay, honestly,

0:25:45.160 --> 0:25:48.080
<v Speaker 1>maybe do a little matching with her, Like hey, you know,

0:25:48.200 --> 0:25:50.960
<v Speaker 1>if you say one hundred dollars, I'll give you twenty five.

0:25:51.600 --> 0:25:53.480
<v Speaker 1>If you say five hundred, I'll give you fifty, you

0:25:53.480 --> 0:25:54.560
<v Speaker 1>know what I mean, Like, I don't.

0:25:54.359 --> 0:25:56.840
<v Speaker 2>Know how it's a good incentive, you know, but just.

0:25:56.800 --> 0:25:59.199
<v Speaker 1>Because that really then if you like and then you know,

0:25:59.240 --> 0:26:00.560
<v Speaker 1>once you get to it, that and you kind of

0:26:00.640 --> 0:26:02.399
<v Speaker 1>leave it. But I'm just something that's going to make

0:26:02.400 --> 0:26:04.160
<v Speaker 1>her say, it doesn't have to be fifty. It could

0:26:04.200 --> 0:26:06.199
<v Speaker 1>be ten dollars, it could be twenty, but you know,

0:26:06.320 --> 0:26:08.159
<v Speaker 1>giving her some sort of because it's going to be

0:26:08.200 --> 0:26:11.680
<v Speaker 1>really important that she Her parents could probably get away

0:26:11.720 --> 0:26:13.480
<v Speaker 1>with living a cash life, but the truth of the

0:26:13.480 --> 0:26:16.920
<v Speaker 1>matter is in this day and age, you cannot. You cannot.

0:26:16.920 --> 0:26:18.960
<v Speaker 1>She has to, you know, and so she has to

0:26:18.960 --> 0:26:22.280
<v Speaker 1>start somewhere, and she's super super young. So yeah, giving

0:26:22.320 --> 0:26:24.239
<v Speaker 1>her a little bit of an incentive, like you know, hey,

0:26:24.320 --> 0:26:26.120
<v Speaker 1>if you say for six months, you know, I'll put

0:26:26.119 --> 0:26:28.600
<v Speaker 1>a little something in your account, you know. So, I

0:26:28.600 --> 0:26:30.600
<v Speaker 1>mean it depends I don't know how much. Yeah, so,

0:26:30.960 --> 0:26:32.960
<v Speaker 1>but yeah, definitely I'm glad that you're taking an interest

0:26:33.000 --> 0:26:37.240
<v Speaker 1>in in your niece because that's truthfully, that's the only

0:26:37.280 --> 0:26:39.320
<v Speaker 1>way you know, folks kind of go from where they

0:26:39.320 --> 0:26:41.600
<v Speaker 1>are from to where they ought to be. Is that

0:26:41.680 --> 0:26:45.359
<v Speaker 1>someone has to help them along. So I'm glad she has. You.

0:26:45.800 --> 0:26:47.639
<v Speaker 1>Don't give up, I mean, it's okay to give up

0:26:47.680 --> 0:26:49.040
<v Speaker 1>on her parents. Like I'm just joking, but.

0:26:49.000 --> 0:26:51.440
<v Speaker 2>Maybe don't lead with your parents and don't know anything

0:26:51.440 --> 0:26:54.280
<v Speaker 2>about money. Maybe I'll lead with that because like I do,

0:26:54.359 --> 0:26:57.000
<v Speaker 2>and I know from experience coming to someone with personal

0:26:57.000 --> 0:26:59.480
<v Speaker 2>finance advice and his self righteous attitude, which is not

0:26:59.600 --> 0:27:00.840
<v Speaker 2>run them all if they don't want to hear you,

0:27:01.320 --> 0:27:06.720
<v Speaker 2>like I've tried, definitely with positivity, looked with positivity. Well,

0:27:06.720 --> 0:27:09.560
<v Speaker 2>thank you for your question, Thanks for being a good auntie. Yeah,

0:27:10.400 --> 0:27:17.000
<v Speaker 2>let's see. So let's take this question from listener Katie Ann.

0:27:17.119 --> 0:27:18.720
<v Speaker 2>Katie and I was like, how do you spell that?

0:27:19.160 --> 0:27:21.520
<v Speaker 2>Katie Ann? Okay, she's got she's a small business owner

0:27:21.520 --> 0:27:23.800
<v Speaker 2>with a really I think a question that will that

0:27:23.840 --> 0:27:26.160
<v Speaker 2>will hit home for a lot anyone who's got side

0:27:26.200 --> 0:27:30.080
<v Speaker 2>hustles and takes payment on the internet. She says, I

0:27:30.160 --> 0:27:32.720
<v Speaker 2>love I love the show MANI and Tiffany and the

0:27:32.720 --> 0:27:36.679
<v Speaker 2>conversations we have in my car. I have a question.

0:27:38.680 --> 0:27:40.359
<v Speaker 2>Oh wait, she just goes on about chatting with us

0:27:40.359 --> 0:27:42.120
<v Speaker 2>in the car. Okay, thank you all right, she says,

0:27:42.560 --> 0:27:45.800
<v Speaker 2>all right, do you know if an online payment tool

0:27:46.200 --> 0:27:49.720
<v Speaker 2>is cheaper than the fees PayPal charges. I do virtual

0:27:49.760 --> 0:27:52.560
<v Speaker 2>admin work and bookkeeping as my side hustle, and I'm

0:27:52.600 --> 0:27:55.840
<v Speaker 2>not too happy with sometimes when I see PayPal fies

0:27:55.920 --> 0:27:58.600
<v Speaker 2>coming out. Case in point, a client just paid me

0:27:58.640 --> 0:28:00.840
<v Speaker 2>five hundred and twenty five dollars and by the time

0:28:00.840 --> 0:28:02.480
<v Speaker 2>I went to transfer it to my bank, it came

0:28:02.480 --> 0:28:06.159
<v Speaker 2>down to five hundred and nine dollars. I know, right, petty,

0:28:06.240 --> 0:28:09.119
<v Speaker 2>but still I know would love to hear your advice

0:28:09.160 --> 0:28:10.640
<v Speaker 2>on cheaper payment tools.

0:28:12.600 --> 0:28:15.439
<v Speaker 1>Well, I'm just looking up now the difference between I

0:28:15.520 --> 0:28:20.160
<v Speaker 1>use Stripe for my business STRPU. Because here's one thing.

0:28:20.800 --> 0:28:25.600
<v Speaker 1>I'm part of this Facebook group called Build Brand Launch

0:28:25.680 --> 0:28:27.960
<v Speaker 1>with Arsha Jones. It's a great group. It's like mostly

0:28:27.960 --> 0:28:31.880
<v Speaker 1>brown women who are are in the beginning, middle and

0:28:31.960 --> 0:28:35.399
<v Speaker 1>like whatever, like later stages of business, and so they

0:28:35.440 --> 0:28:37.400
<v Speaker 1>ask a ton of questions and so one thing I've

0:28:37.480 --> 0:28:42.120
<v Speaker 1>learned from that group is that PayPal is out of

0:28:42.240 --> 0:28:45.200
<v Speaker 1>any of the processing systems. They are trigger happy. So

0:28:45.320 --> 0:28:47.360
<v Speaker 1>let's just say, like, you know, you sell ten things

0:28:47.360 --> 0:28:50.960
<v Speaker 1>and for some reason three people want to return PayPal's like, oh,

0:28:51.080 --> 0:28:52.680
<v Speaker 1>this is scam and they will lock down your money

0:28:52.720 --> 0:28:55.360
<v Speaker 1>almost indefinitely for some people. So it's very easy to

0:28:55.400 --> 0:28:57.480
<v Speaker 1>trigger like a PayPal lockdown and for you to have

0:28:57.480 --> 0:29:00.520
<v Speaker 1>to fight to get your money. So that's one PayPal.

0:29:01.000 --> 0:29:02.760
<v Speaker 1>You know, I have not heard good things from you,

0:29:03.120 --> 0:29:06.920
<v Speaker 1>but I like Stripe am because what I love about

0:29:06.920 --> 0:29:11.160
<v Speaker 1>Stripe is that it's it's a great tool to collecting money.

0:29:11.960 --> 0:29:14.640
<v Speaker 1>But Stripe, I think like Target uses Stripe. I think

0:29:14.800 --> 0:29:16.320
<v Speaker 1>I think I heard that on how I built this,

0:29:16.880 --> 0:29:20.479
<v Speaker 1>meaning that as you grow, Stripe can grow with you,

0:29:20.560 --> 0:29:22.920
<v Speaker 1>Like there's no outgrowing Stripe unless you're a bigger than Target.

0:29:24.040 --> 0:29:28.040
<v Speaker 1>But from what I'm what I'm reading is that many

0:29:28.080 --> 0:29:30.560
<v Speaker 1>of the online transactions might be the same amount. But

0:29:30.920 --> 0:29:34.440
<v Speaker 1>Stripe also has something called ah transactions, which PayPal doesn't.

0:29:35.480 --> 0:29:37.520
<v Speaker 1>And so I would do a little bit of a

0:29:37.960 --> 0:29:40.440
<v Speaker 1>little bit of research because, like I said, like I

0:29:40.960 --> 0:29:44.080
<v Speaker 1>happen to like Stripe more. I don't know that it's

0:29:44.440 --> 0:29:46.560
<v Speaker 1>the fees are definitely way cheaper, you know.

0:29:48.080 --> 0:29:50.400
<v Speaker 2>Yeah, And I think it's important to look at your

0:29:50.400 --> 0:29:54.040
<v Speaker 2>different options. It's not just PayPal, and maybe if you're

0:29:54.080 --> 0:29:56.520
<v Speaker 2>just getting started, does it make sense to use PayPal

0:29:56.600 --> 0:29:59.920
<v Speaker 2>right now? Could people be doing, you know, ah transfers

0:29:59.920 --> 0:30:01.440
<v Speaker 2>like tip set and just like direct to your bank

0:30:01.480 --> 0:30:04.200
<v Speaker 2>account because I help you save some fees. If it's

0:30:04.240 --> 0:30:05.959
<v Speaker 2>just a side hustle, you might want to look at

0:30:05.960 --> 0:30:09.000
<v Speaker 2>those ways, or even Venmo. I don't know what the

0:30:09.040 --> 0:30:11.280
<v Speaker 2>daily transfer limit is for Venom, and maybe that's a

0:30:11.280 --> 0:30:14.920
<v Speaker 2>better option. I know I paid my dog walker via Venmo,

0:30:15.360 --> 0:30:17.800
<v Speaker 2>and I don't think. I don't think that he got fees.

0:30:17.840 --> 0:30:19.840
<v Speaker 2>I'm like touring. I'm towing the line because I'm not

0:30:19.880 --> 0:30:22.720
<v Speaker 2>an accountant and I'm not a business attorney, so I'm

0:30:22.760 --> 0:30:25.760
<v Speaker 2>like what's legal, But like you know.

0:30:25.760 --> 0:30:28.840
<v Speaker 1>Like when you're not making, but if any of you

0:30:28.960 --> 0:30:30.880
<v Speaker 1>I'm making. One thing I will say about PayPal that

0:30:30.880 --> 0:30:32.920
<v Speaker 1>there's the benefit to PayPal in some ways is that

0:30:33.320 --> 0:30:34.760
<v Speaker 1>if you because you know, if you make over six

0:30:34.880 --> 0:30:40.600
<v Speaker 1>hundred dollars an adventure whatever, you are liabel to taxes. Right,

0:30:40.680 --> 0:30:42.640
<v Speaker 1>So the thing about PayPal is if if you get

0:30:42.680 --> 0:30:46.200
<v Speaker 1>paid over six hundred dollars, PayPal kind of like helps

0:30:46.240 --> 0:30:49.440
<v Speaker 1>out with that whole tax situation. Like like, for example,

0:30:49.480 --> 0:30:53.760
<v Speaker 1>if I pay Mandy seven hundred dollars, PayPal is going

0:30:53.800 --> 0:30:55.719
<v Speaker 1>to like report and all that kind of stuff for

0:30:55.760 --> 0:30:59.040
<v Speaker 1>her for her, whereas with Stripe and like other ones,

0:30:59.160 --> 0:31:02.200
<v Speaker 1>you know, the owners on you to handle that. So

0:31:02.240 --> 0:31:03.840
<v Speaker 1>I would just do a little digging and some research.

0:31:03.880 --> 0:31:05.720
<v Speaker 1>And honestly, if you are, like if you're not part

0:31:05.720 --> 0:31:08.120
<v Speaker 1>of some Facebook groups that are business focused, I would

0:31:08.160 --> 0:31:10.480
<v Speaker 1>join because these are great. Depending on what kind of

0:31:10.480 --> 0:31:15.920
<v Speaker 1>business you have, there are definitely transaction companies that are

0:31:16.000 --> 0:31:18.680
<v Speaker 1>better suited, Like for my online school, that's what we

0:31:18.760 --> 0:31:22.040
<v Speaker 1>use Stripe for and it works wonderfully, but it might

0:31:22.120 --> 0:31:24.360
<v Speaker 1>not suit you if you sell like perses, you.

0:31:24.320 --> 0:31:28.600
<v Speaker 2>Know, right, yeah, And you know it sucks when you

0:31:28.600 --> 0:31:31.239
<v Speaker 2>think about taxes, but I mean, Tiffany, taxes is part

0:31:31.280 --> 0:31:32.880
<v Speaker 2>of being a business owner. You just got it.

0:31:32.800 --> 0:31:33.160
<v Speaker 1>It is.

0:31:33.680 --> 0:31:35.400
<v Speaker 2>Actually, if you want to pivot to make that your

0:31:35.440 --> 0:31:38.080
<v Speaker 2>full time gig, like it hurts even more because you

0:31:38.120 --> 0:31:40.400
<v Speaker 2>have to actively take out taxes. The government just doesn't

0:31:40.440 --> 0:31:43.800
<v Speaker 2>do it for you. You have to guess how much

0:31:43.800 --> 0:31:46.760
<v Speaker 2>you owe in taxes and it's gonna be complicated.

0:31:47.400 --> 0:31:49.640
<v Speaker 1>And then Q four, So what happens with when you're

0:31:49.640 --> 0:31:51.560
<v Speaker 1>a business and when you make I would say once

0:31:51.600 --> 0:31:53.560
<v Speaker 1>you start making over six figures a year, you pay

0:31:53.640 --> 0:31:56.360
<v Speaker 1>quarterly you're supposed to, or you might get a fine

0:31:56.440 --> 0:31:58.920
<v Speaker 1>or a fee, so you pay quarterly and like, like

0:31:58.960 --> 0:32:01.160
<v Speaker 1>Manda said, you're guessing, but let's just say you have

0:32:01.200 --> 0:32:04.640
<v Speaker 1>a really great second half of the year. That means

0:32:04.720 --> 0:32:07.880
<v Speaker 1>the money that you've been setting aside or paying the

0:32:07.920 --> 0:32:09.640
<v Speaker 1>first it might not have been enough. So all of

0:32:09.680 --> 0:32:11.920
<v Speaker 1>a sudden, like the end of the year, you're like,

0:32:11.920 --> 0:32:16.960
<v Speaker 1>I owe how much more? Wait? Wait? And so yeah,

0:32:16.960 --> 0:32:19.840
<v Speaker 1>but that's why getting yourself if nothing else, once you

0:32:19.840 --> 0:32:22.120
<v Speaker 1>get past kind of like the like the beginning stages

0:32:22.160 --> 0:32:25.320
<v Speaker 1>of business, getting yourself an accountant. Accountants are not that

0:32:25.480 --> 0:32:29.040
<v Speaker 1>crazy expensive if you're making your business makes I would

0:32:29.080 --> 0:32:34.960
<v Speaker 1>say m like maybe like high four figures, low five figures,

0:32:35.520 --> 0:32:38.920
<v Speaker 1>you can afford a decent accountant you're looking at probably

0:32:39.360 --> 0:32:42.480
<v Speaker 1>uh depends maybe a few hundred dollars for the year,

0:32:42.920 --> 0:32:47.600
<v Speaker 1>so maybe like low maybe thousand, twelve hundred dollars, depending

0:32:47.640 --> 0:32:50.400
<v Speaker 1>on how big your business is. But it's worth it because

0:32:50.520 --> 0:32:52.480
<v Speaker 1>you know, knowing that you're not going to owe the

0:32:52.520 --> 0:32:55.800
<v Speaker 1>federal government, which will be way more expensive, knowing that

0:32:55.840 --> 0:32:58.200
<v Speaker 1>you can sit with them quarterly and like kind of

0:32:58.200 --> 0:33:00.920
<v Speaker 1>have the conversation about where your business is going, Like

0:33:00.960 --> 0:33:03.080
<v Speaker 1>your accountant should be able to advise you, or should

0:33:03.120 --> 0:33:06.040
<v Speaker 1>I go from being a sol entrepreneur now should I

0:33:06.080 --> 0:33:08.960
<v Speaker 1>be an employee of my business versus self employed? Do

0:33:09.080 --> 0:33:11.479
<v Speaker 1>I give myself insurance? Like your accountant can answer all

0:33:11.520 --> 0:33:13.400
<v Speaker 1>those kind of questions so that way you're not kind

0:33:13.440 --> 0:33:15.520
<v Speaker 1>of flailing in the wind. So definitely looking for an

0:33:15.520 --> 0:33:18.520
<v Speaker 1>accountant that that specializes in small businesses as well. That's

0:33:18.560 --> 0:33:20.160
<v Speaker 1>going to be so helpful. Like Carlos is not just

0:33:20.160 --> 0:33:24.400
<v Speaker 1>my accountant, he's like my business like coach almost because

0:33:24.400 --> 0:33:27.080
<v Speaker 1>every quarter when I meet with him, he goes over

0:33:27.160 --> 0:33:30.880
<v Speaker 1>everything and really makes suggestions based upon my personal life,

0:33:31.080 --> 0:33:32.760
<v Speaker 1>the business life, and what's going to be best in

0:33:33.000 --> 0:33:34.960
<v Speaker 1>the long run for the for the number that I'm

0:33:34.960 --> 0:33:35.640
<v Speaker 1>going to have to pay.

0:33:36.640 --> 0:33:39.920
<v Speaker 2>Yeah, well you're small now, and also think about the

0:33:39.960 --> 0:33:42.200
<v Speaker 2>money that you're making versus what you're losing to these

0:33:42.400 --> 0:33:44.800
<v Speaker 2>you know, a small tax fee because with you know,

0:33:44.800 --> 0:33:46.600
<v Speaker 2>the side hustle, like you're making five hundred bucks in

0:33:46.600 --> 0:33:50.239
<v Speaker 2>the side that's amazing. Yep, that's great. And you know

0:33:50.280 --> 0:33:51.720
<v Speaker 2>you wouldn't have had that if you hadn't taken the

0:33:51.760 --> 0:33:55.680
<v Speaker 2>initiative to set up your side hustle. So celebrate it.

0:33:57.200 --> 0:34:01.160
<v Speaker 2>Don't be a baby tax evader. Nothing. We're trying to

0:34:01.160 --> 0:34:04.120
<v Speaker 2>be just kidding. They will find you though. All right,

0:34:04.160 --> 0:34:05.640
<v Speaker 2>thank you so much for your question, and thanks for

0:34:05.680 --> 0:34:07.520
<v Speaker 2>being such a loyal listener. Appreciate it.

0:34:07.800 --> 0:34:09.840
<v Speaker 1>Yeah, you want to take or take.

0:34:09.800 --> 0:34:12.680
<v Speaker 2>One more from the email inbox. So this question is

0:34:12.719 --> 0:34:15.000
<v Speaker 2>a repeat question. Apparently we missed her question the first

0:34:15.000 --> 0:34:17.600
<v Speaker 2>time around. Sorry, miss ron La. But Rona has a

0:34:17.680 --> 0:34:22.360
<v Speaker 2>question about leasing a car already, she says on a

0:34:22.360 --> 0:34:24.920
<v Speaker 2>recent episode, what stands out is that one of you

0:34:25.560 --> 0:34:27.759
<v Speaker 2>talked about buying a car, and you gave lots of

0:34:27.760 --> 0:34:29.839
<v Speaker 2>tips on getting the best rates. But what are your

0:34:29.880 --> 0:34:32.799
<v Speaker 2>thoughts on car leasing? My husband and I currently have

0:34:32.920 --> 0:34:35.839
<v Speaker 2>one car that we lease, but it's definitely a money drain,

0:34:35.960 --> 0:34:39.200
<v Speaker 2>both in principle and interest. I dread paying this bill

0:34:39.280 --> 0:34:42.200
<v Speaker 2>each month. Do you know if refinancing a car lease

0:34:42.280 --> 0:34:44.680
<v Speaker 2>is feasible with banks or credit unions? This is our

0:34:44.719 --> 0:34:46.839
<v Speaker 2>only vehicle and we still have months to go on

0:34:46.840 --> 0:34:52.320
<v Speaker 2>this lease. Thank you very much. So Ronally wants to

0:34:52.320 --> 0:34:54.400
<v Speaker 2>get out of a car lease. I did some research

0:34:54.400 --> 0:34:56.920
<v Speaker 2>on this and we've actually written a couple of articles

0:34:57.200 --> 0:35:00.000
<v Speaker 2>at lending Tree about this and good news and bad news.

0:35:00.040 --> 0:35:02.640
<v Speaker 2>The bad us is that there's not really a way

0:35:02.719 --> 0:35:06.239
<v Speaker 2>to refinance a lease with another bank, so you're kind

0:35:06.239 --> 0:35:08.600
<v Speaker 2>of stuck with it. One of the most common ways

0:35:08.680 --> 0:35:10.040
<v Speaker 2>to get out of a camp, to get out of

0:35:10.040 --> 0:35:12.640
<v Speaker 2>a car lease, especially if you're unable to afford the payment,

0:35:12.640 --> 0:35:15.560
<v Speaker 2>which it sounds like you guys are, is to potentially

0:35:15.600 --> 0:35:18.840
<v Speaker 2>transfer the lease. Now, this would suck because you'd have

0:35:18.920 --> 0:35:22.080
<v Speaker 2>to like give up the car, but if you are

0:35:22.080 --> 0:35:24.359
<v Speaker 2>able to do it successfully, then maybe you could get

0:35:24.360 --> 0:35:26.840
<v Speaker 2>a car that has a lower payment, you know, or

0:35:27.040 --> 0:35:29.560
<v Speaker 2>maybe your credit has improved since you've got this original

0:35:29.600 --> 0:35:32.080
<v Speaker 2>lease and you can qualify for a better rate on

0:35:32.160 --> 0:35:34.600
<v Speaker 2>a car note and find a car that you can afford.

0:35:34.960 --> 0:35:37.839
<v Speaker 2>So to transfer it. There's a couple of websites out

0:35:37.840 --> 0:35:41.360
<v Speaker 2>there that you can look look into theres swap a lease,

0:35:41.960 --> 0:35:46.520
<v Speaker 2>Lease quit lease Trader, and least compare dot com.

0:35:46.880 --> 0:35:48.920
<v Speaker 1>I don't know why it's so funny, but I'm just

0:35:48.960 --> 0:35:51.360
<v Speaker 1>like it's okay. We're like, okay, I see you like

0:35:51.440 --> 0:35:52.920
<v Speaker 1>directly your messaging and marketing.

0:35:53.040 --> 0:35:56.239
<v Speaker 2>Yeah, least least quit dot com. But you want to

0:35:56.320 --> 0:35:58.120
<v Speaker 2>check with your leasing company first to see if it

0:35:58.160 --> 0:36:01.560
<v Speaker 2>allows transfer. You want to look into the fees of transferring,

0:36:02.640 --> 0:36:04.759
<v Speaker 2>and of course we'll get any tax costs that you

0:36:04.840 --> 0:36:07.480
<v Speaker 2>may have to occur. And the reason it's so success,

0:36:07.760 --> 0:36:09.359
<v Speaker 2>you know, so many of these exist is that there's

0:36:09.400 --> 0:36:11.640
<v Speaker 2>people out there who want to take over leases because

0:36:11.640 --> 0:36:14.359
<v Speaker 2>it's more affordable for them, or they don't want the

0:36:14.400 --> 0:36:16.560
<v Speaker 2>full like whatever the full lease term is and they

0:36:16.600 --> 0:36:18.600
<v Speaker 2>want a partial lease term or something like that. So

0:36:19.200 --> 0:36:20.360
<v Speaker 2>that's an option for you.

0:36:21.680 --> 0:36:23.280
<v Speaker 1>That's good. I never heard of that. That's cool.

0:36:23.680 --> 0:36:28.000
<v Speaker 2>Yeah, So I'll share this article with you, but you know,

0:36:29.040 --> 0:36:31.360
<v Speaker 2>first and foremost, and we've got a whole episode on

0:36:31.440 --> 0:36:34.160
<v Speaker 2>like auto loan debt, because I'm so passionate about the

0:36:34.200 --> 0:36:37.120
<v Speaker 2>fact that in America people are so crazy about their cars,

0:36:37.200 --> 0:36:40.399
<v Speaker 2>and car debt can be It's just one of those

0:36:40.440 --> 0:36:42.640
<v Speaker 2>things because you can talk yourself into because you need

0:36:42.640 --> 0:36:44.480
<v Speaker 2>that car to get to work, and you might as

0:36:44.480 --> 0:36:45.840
<v Speaker 2>well be a good car and you want to be

0:36:45.840 --> 0:36:47.560
<v Speaker 2>seen in a great car and all that kind of thing.

0:36:48.160 --> 0:36:50.320
<v Speaker 2>There's plenty of people out there that aren't driving fancy

0:36:50.320 --> 0:36:52.960
<v Speaker 2>cars that are in car debt too. But as much

0:36:52.960 --> 0:36:54.760
<v Speaker 2>as you can, if you could get that car payment

0:36:54.800 --> 0:36:58.480
<v Speaker 2>down or get an affordable car that that you know

0:36:58.600 --> 0:36:59.880
<v Speaker 2>is not going to be a burden to you, each

0:37:00.080 --> 0:37:03.800
<v Speaker 2>month and free up cash flow for other things like savings.

0:37:03.840 --> 0:37:07.120
<v Speaker 2>Please do it. The car should not be eating up

0:37:07.120 --> 0:37:12.160
<v Speaker 2>the majority of your budget. So anything anything else on

0:37:12.200 --> 0:37:12.920
<v Speaker 2>car leases to.

0:37:14.040 --> 0:37:17.120
<v Speaker 1>No, I mean it done. It's done if you're done right.

0:37:17.160 --> 0:37:19.640
<v Speaker 1>You know, they don't have to be super detrimental, but

0:37:20.040 --> 0:37:23.359
<v Speaker 1>it does get Like I remember my sister actually used

0:37:23.480 --> 0:37:27.560
<v Speaker 1>Magnified money when she was leasing because at the time,

0:37:27.640 --> 0:37:30.439
<v Speaker 1>she's like, really, I can't afford, you know, a brand

0:37:30.440 --> 0:37:34.320
<v Speaker 1>new car. But she needed like a newer car because

0:37:35.760 --> 0:37:38.000
<v Speaker 1>she her drive was like forty five minutes or an

0:37:38.040 --> 0:37:40.120
<v Speaker 1>hour or something like that, so she couldn't have a

0:37:40.160 --> 0:37:42.920
<v Speaker 1>car that couldn't take you know, like the beating basically,

0:37:43.480 --> 0:37:46.879
<v Speaker 1>so she leased a I don't know, it wasn't brand

0:37:46.880 --> 0:37:48.279
<v Speaker 1>brand new. I think she at least like whatever, like

0:37:48.320 --> 0:37:50.480
<v Speaker 1>a two year old car, a euro car something like that.

0:37:50.960 --> 0:37:54.200
<v Speaker 1>But she used Magnified money to really get the financing together,

0:37:54.480 --> 0:37:56.919
<v Speaker 1>so it ended up being a really good option where

0:37:56.960 --> 0:37:59.000
<v Speaker 1>she could get a newer car for less money. It

0:37:59.040 --> 0:38:00.600
<v Speaker 1>was just a good choice for her at the time.

0:38:01.760 --> 0:38:04.080
<v Speaker 1>So just be mindful, like you know, like when you're

0:38:04.560 --> 0:38:07.279
<v Speaker 1>sometimes you know, leasing is it's not necessarily ideal, but

0:38:07.360 --> 0:38:09.400
<v Speaker 1>sometimes it affords you the opportunity to get something you

0:38:09.440 --> 0:38:13.080
<v Speaker 1>might not be able to technically afford it, as like

0:38:13.080 --> 0:38:15.880
<v Speaker 1>if you were buying the car straight out. But you know,

0:38:15.920 --> 0:38:18.360
<v Speaker 1>like I didn't even know people bought to go releases

0:38:18.440 --> 0:38:20.040
<v Speaker 1>like that. I think that's pretty awesome.

0:38:20.239 --> 0:38:22.759
<v Speaker 2>Yeah, so well, I'm not anti lease. I think you know,

0:38:22.800 --> 0:38:24.480
<v Speaker 2>my husband and I were looking at the mileage on

0:38:24.480 --> 0:38:26.319
<v Speaker 2>our car. We bought it three years ago. We haven't

0:38:26.360 --> 0:38:28.279
<v Speaker 2>even hit thirty six thousand miles, and I'm like, we

0:38:28.360 --> 0:38:31.560
<v Speaker 2>get at lease this thing, because leasing, you know, as

0:38:31.760 --> 0:38:33.640
<v Speaker 2>if you're if you have a short commute and you

0:38:33.680 --> 0:38:35.480
<v Speaker 2>don't need the car that much. Some people choose to

0:38:35.560 --> 0:38:38.320
<v Speaker 2>lease because it can be a little bit the payments

0:38:38.320 --> 0:38:40.319
<v Speaker 2>can be a little bit less each month, and you

0:38:40.640 --> 0:38:43.040
<v Speaker 2>have the option to get a different car after three

0:38:43.120 --> 0:38:45.680
<v Speaker 2>years and you but the key is you have to

0:38:46.520 --> 0:38:48.360
<v Speaker 2>really be sure that you're not going to hit go

0:38:48.400 --> 0:38:51.959
<v Speaker 2>over that mileage requirement. Typically it's like thirty somethings thirty

0:38:52.040 --> 0:38:55.640
<v Speaker 2>thousand something miles over the least period, and if you

0:38:55.680 --> 0:38:58.120
<v Speaker 2>go over that, it's like so many fees, Oh my god,

0:38:58.200 --> 0:39:01.200
<v Speaker 2>so many Like my my friend got stuck well a

0:39:01.280 --> 0:39:04.560
<v Speaker 2>ton of lease fees because he didn't anticipate getting a

0:39:04.600 --> 0:39:06.719
<v Speaker 2>job in DC and then coming back and forth to

0:39:06.840 --> 0:39:11.279
<v Speaker 2>New York. OUCHA, yeah so ow, but yeah, if you

0:39:11.320 --> 0:39:12.840
<v Speaker 2>do the math and it works out in your favor.

0:39:13.200 --> 0:39:15.600
<v Speaker 2>You know, my friend's family had their grandparents come to

0:39:15.600 --> 0:39:17.480
<v Speaker 2>help them with childcare, and they decided to lease a

0:39:17.520 --> 0:39:19.800
<v Speaker 2>car for them to use just when they're in town,

0:39:20.040 --> 0:39:22.640
<v Speaker 2>which seemed to make sense versus getting you know, a

0:39:22.680 --> 0:39:26.240
<v Speaker 2>car outright, so it can be a good option. I'll

0:39:26.320 --> 0:39:29.520
<v Speaker 2>include a link to like a lease versus by calculator

0:39:29.520 --> 0:39:31.160
<v Speaker 2>as well, so you can see what the difference would

0:39:31.200 --> 0:39:32.799
<v Speaker 2>be like if you guys are on the fence out there.

0:39:33.680 --> 0:39:37.200
<v Speaker 1>Yes, let's do that, all right, Miss.

0:39:37.080 --> 0:39:40.320
<v Speaker 2>Lana, Miss ron La. Sorry, thank you for your question.

0:39:40.440 --> 0:39:42.800
<v Speaker 2>Hopefully that was good. Well. I'll include a couple of

0:39:42.880 --> 0:39:46.520
<v Speaker 2>links in the show notes about the article I was mentioning,

0:39:47.719 --> 0:39:49.480
<v Speaker 2>and thank you guys for your questions.

0:39:49.760 --> 0:39:52.880
<v Speaker 1>Yes, boost a break or boost a break? Boost to

0:39:52.920 --> 0:39:55.000
<v Speaker 1>break or boost the break? Can you tell? There's certain

0:39:55.040 --> 0:39:57.000
<v Speaker 1>things that when you say, like your neck has to

0:39:57.000 --> 0:39:59.080
<v Speaker 1>go that side to side, like boost to break, you

0:39:59.080 --> 0:40:01.080
<v Speaker 1>know that you know that the move I'm making manny,

0:40:01.120 --> 0:40:04.239
<v Speaker 1>like the like the bobblehead, like you know the side

0:40:04.239 --> 0:40:06.840
<v Speaker 1>the side like boost the break, boost the break.

0:40:07.280 --> 0:40:10.040
<v Speaker 2>Sound like interestingle bubblehead. I was thinking, you know, what

0:40:10.080 --> 0:40:12.320
<v Speaker 2>I was thinking is more of like a neck twist,

0:40:12.520 --> 0:40:14.879
<v Speaker 2>which like bubble heads, just like bobble at the top

0:40:14.920 --> 0:40:15.359
<v Speaker 2>of the head.

0:40:15.719 --> 0:40:17.440
<v Speaker 1>Yeah, maybe it is more of a next twist, but

0:40:17.480 --> 0:40:19.399
<v Speaker 1>it's like it's like a zigzag, like.

0:40:20.760 --> 0:40:23.960
<v Speaker 2>Oh okay, yeah, I got you. Yeah the zigzag help.

0:40:23.800 --> 0:40:26.160
<v Speaker 1>Break boost the prey. Now the shoulders are in it,

0:40:26.200 --> 0:40:28.440
<v Speaker 1>boost the bay and I got my hands up. Okay. Anyway,

0:40:28.800 --> 0:40:30.880
<v Speaker 1>how you gotta boost that, you gotta have break woof.

0:40:31.360 --> 0:40:34.840
<v Speaker 2>After that, I gotta take a boost. I got a boost.

0:40:35.719 --> 0:40:39.800
<v Speaker 2>So I have been along. I was like very anti

0:40:39.880 --> 0:40:41.840
<v Speaker 2>yoga for a long time. I thought it was boring.

0:40:42.239 --> 0:40:44.000
<v Speaker 2>I thought it was stupid. I was like, I can

0:40:44.000 --> 0:40:47.840
<v Speaker 2>stretch for free, I can find videos online and I

0:40:47.880 --> 0:40:50.879
<v Speaker 2>can stretch and it's great. But in the past couple

0:40:50.960 --> 0:40:53.520
<v Speaker 2>of months I actually started taking yo id a couple

0:40:53.600 --> 0:40:56.399
<v Speaker 2>of yoga classes, one during Mental Health Awareness Month because

0:40:56.400 --> 0:40:59.759
<v Speaker 2>we organized it for our team at work, like as

0:40:59.760 --> 0:41:02.440
<v Speaker 2>an option has something to do. Ended up taking that

0:41:02.480 --> 0:41:05.000
<v Speaker 2>class and then just randomly took a couple of other

0:41:05.080 --> 0:41:09.440
<v Speaker 2>yoga classes and I didn't realize how it's not just

0:41:09.480 --> 0:41:11.839
<v Speaker 2>about the stretching, you know. It's no, you're not going

0:41:11.920 --> 0:41:13.800
<v Speaker 2>to go there and sweat unless you're doing like Bickram.

0:41:13.800 --> 0:41:15.160
<v Speaker 2>You're not going to go there and sweat and get

0:41:15.160 --> 0:41:18.279
<v Speaker 2>your cardio. But for me, it's been I've started to

0:41:18.280 --> 0:41:21.280
<v Speaker 2>do it more often because it really helped me feel

0:41:21.920 --> 0:41:26.160
<v Speaker 2>calmer and more relaxed. And I'm always trying to find

0:41:26.200 --> 0:41:30.480
<v Speaker 2>ways to chill out and like with my anxiety just

0:41:30.800 --> 0:41:32.600
<v Speaker 2>you know, I was my anxiety was kind of getting

0:41:32.600 --> 0:41:34.279
<v Speaker 2>so bad that I was clenching my jaw at night

0:41:34.320 --> 0:41:36.239
<v Speaker 2>and I had all these this really bad job pain

0:41:37.360 --> 0:41:39.359
<v Speaker 2>where I couldn't chew and I couldn't open my mouth

0:41:39.400 --> 0:41:42.480
<v Speaker 2>for a wide back in May and June or earlier

0:41:42.480 --> 0:41:45.560
<v Speaker 2>this month, and my dentist was like, honestly, it's stress.

0:41:45.800 --> 0:41:48.360
<v Speaker 2>So if you can find a way to like de stress,

0:41:48.680 --> 0:41:51.160
<v Speaker 2>then that can help. So I've started to go to

0:41:51.280 --> 0:41:54.520
<v Speaker 2>yoga at least once a week and I really enjoy it,

0:41:54.600 --> 0:41:57.080
<v Speaker 2>and yeah, it's stretching and it's kind of free through.

0:41:57.120 --> 0:41:59.600
<v Speaker 2>I picked the beginner classes because no, I'm not standing

0:41:59.640 --> 0:42:01.880
<v Speaker 2>on my on my head just yet. I'm not doing

0:42:01.880 --> 0:42:05.120
<v Speaker 2>all those puzzel moves and my favorite part of the

0:42:05.239 --> 0:42:08.160
<v Speaker 2>yoga class is usually the last ten minutes of the class.

0:42:08.239 --> 0:42:10.560
<v Speaker 2>You just like sit in the dark and they turn

0:42:10.640 --> 0:42:15.080
<v Speaker 2>the lights out and you just either they're like you know,

0:42:15.160 --> 0:42:18.719
<v Speaker 2>either they're saying some really relaxing things or it's just

0:42:18.880 --> 0:42:22.240
<v Speaker 2>silence and you just sit there and you're just mindful

0:42:22.280 --> 0:42:26.359
<v Speaker 2>and present and maybe you think about something positive or

0:42:26.680 --> 0:42:30.799
<v Speaker 2>think about nothing. And I love that. Just five ten

0:42:30.840 --> 0:42:33.319
<v Speaker 2>minutes in a dark room at the end, and I

0:42:33.400 --> 0:42:36.920
<v Speaker 2>just feel so good afterwards. So I'm on team yoga, y'all.

0:42:37.239 --> 0:42:40.520
<v Speaker 1>Yeah, I used to. I used to take a bunch

0:42:40.520 --> 0:42:43.400
<v Speaker 1>of yoga classes. I actually like my favorite yoga instructor

0:42:43.480 --> 0:42:46.680
<v Speaker 1>on YouTube is Tara Styles, and I don't not just

0:42:46.800 --> 0:42:48.719
<v Speaker 1>like her voice and she just like, I don't know,

0:42:49.080 --> 0:42:51.919
<v Speaker 1>she just has a calming spirit. So when I get

0:42:51.960 --> 0:42:55.080
<v Speaker 1>back to yoga, that's who I I typically don't. I

0:42:55.120 --> 0:42:57.520
<v Speaker 1>haven't taken like an inn class yoga class in a while,

0:42:57.560 --> 0:42:59.799
<v Speaker 1>but I feel like i'd like that. I actually really

0:42:59.840 --> 0:43:04.680
<v Speaker 1>do enjoy yoga, So welcome, Welcome to the other side.

0:43:05.440 --> 0:43:07.719
<v Speaker 2>I still can't when they do the home at the end,

0:43:07.760 --> 0:43:08.520
<v Speaker 2>I'm like I can't.

0:43:08.680 --> 0:43:13.759
<v Speaker 1>I'm just like, all right, I'm here what the worst is,

0:43:13.800 --> 0:43:15.360
<v Speaker 1>like not the worst, but you know how at the

0:43:15.400 --> 0:43:17.319
<v Speaker 1>end they have you sometimes late I have totally fall

0:43:17.360 --> 0:43:18.040
<v Speaker 1>asleep before.

0:43:17.960 --> 0:43:20.799
<v Speaker 2>Like oh, one hundred percent. I fell asleep last week

0:43:20.800 --> 0:43:22.799
<v Speaker 2>because she was talking to me and it was had

0:43:22.840 --> 0:43:24.840
<v Speaker 2>the same effect as what I used audio books to

0:43:24.840 --> 0:43:27.080
<v Speaker 2>shut my brain up at night and just like go

0:43:27.120 --> 0:43:29.840
<v Speaker 2>to sleep. And it was just like she was talking

0:43:29.840 --> 0:43:32.560
<v Speaker 2>and telling us a story and I probably I probably snored,

0:43:32.719 --> 0:43:33.319
<v Speaker 2>but I was out.

0:43:33.960 --> 0:43:35.879
<v Speaker 1>I mean, I would say it's the best. I'm like, oh,

0:43:35.960 --> 0:43:39.319
<v Speaker 1>this is yoga. I can just lay down to sleep. Well,

0:43:39.440 --> 0:43:43.360
<v Speaker 1>I am going to boost. This is like a silly boost.

0:43:43.440 --> 0:43:46.560
<v Speaker 1>But I am sitting and we're in our I'm still

0:43:46.560 --> 0:43:48.279
<v Speaker 1>in our old apartment. So by this by the time

0:43:48.280 --> 0:43:50.520
<v Speaker 1>we take next week, we'll be in the new house.

0:43:50.520 --> 0:43:53.480
<v Speaker 1>But I cannot wait because I didn't want to have

0:43:53.560 --> 0:43:55.960
<v Speaker 1>outside noise because we have like no like loud neighbors.

0:43:56.000 --> 0:43:58.359
<v Speaker 1>So I closed all the windows and we had a

0:43:58.440 --> 0:44:01.400
<v Speaker 1>fan because we already took out our of our AC's.

0:44:01.440 --> 0:44:03.080
<v Speaker 1>Plus AC is loud, and we had a fan in

0:44:03.080 --> 0:44:05.440
<v Speaker 1>the window and that's loud. So I am sitting in

0:44:05.480 --> 0:44:09.720
<v Speaker 1>a hot box right now, sweating bullets. I cannot wait.

0:44:10.480 --> 0:44:13.520
<v Speaker 1>Until the new house where we have we have a

0:44:13.520 --> 0:44:16.719
<v Speaker 1>split level system for AC. That's like I don't know

0:44:16.719 --> 0:44:18.680
<v Speaker 1>the difference on a split level and a regular level.

0:44:18.800 --> 0:44:22.040
<v Speaker 1>Either way, it's central air and it's so quiet, Mandra,

0:44:22.840 --> 0:44:27.640
<v Speaker 1>so I can actually have a cool environment. But I'll

0:44:27.640 --> 0:44:31.080
<v Speaker 1>tell you, I am a sweat like I am, like literally,

0:44:31.200 --> 0:44:31.760
<v Speaker 1>I think.

0:44:31.600 --> 0:44:33.440
<v Speaker 2>It's not the day to not have air conditioners.

0:44:33.480 --> 0:44:35.279
<v Speaker 1>Oh my goodness, it's so hot in here. But I

0:44:35.280 --> 0:44:37.160
<v Speaker 1>don't want like the plan blowing in the background. You

0:44:37.160 --> 0:44:39.040
<v Speaker 1>see how much I love you, pa listeners. I am

0:44:39.320 --> 0:44:41.160
<v Speaker 1>literally sitting in a hot box at the last hour,

0:44:41.560 --> 0:44:44.800
<v Speaker 1>sweating up a store. I've probably lost two pounds, but yeah, honestly,

0:44:44.880 --> 0:44:46.840
<v Speaker 1>just a boost for like, you know, patients and getting

0:44:46.880 --> 0:44:51.840
<v Speaker 1>in the new house and AC baby, and so yeah,

0:44:51.920 --> 0:44:54.120
<v Speaker 1>I cannot wait the next time we take I shall

0:44:54.160 --> 0:44:54.640
<v Speaker 1>be there.

0:44:54.920 --> 0:44:58.120
<v Speaker 2>We're on the only podcasters sweating in rooms with no

0:44:58.160 --> 0:45:00.719
<v Speaker 2>air conditioning though, like that's just a podcast. If you're

0:45:00.760 --> 0:45:02.200
<v Speaker 2>going to start a podcast, you need to find a

0:45:02.280 --> 0:45:05.799
<v Speaker 2>quiet room. Like even Terry Gross, you know, even pre

0:45:05.960 --> 0:45:09.120
<v Speaker 2>Burarra for his podcast was complaining about how hot it

0:45:09.200 --> 0:45:11.360
<v Speaker 2>is because they can't have the AC on these rooms.

0:45:11.719 --> 0:45:15.000
<v Speaker 2>So it's you know, it's what we do for our craft.

0:45:15.480 --> 0:45:18.799
<v Speaker 1>Yeah yeah, I mean I love y'all, but I would

0:45:18.800 --> 0:45:23.120
<v Speaker 1>be doing it with the ac next time. But yeah,

0:45:23.160 --> 0:45:25.040
<v Speaker 1>that's just my boosts on the house.

0:45:25.080 --> 0:45:26.320
<v Speaker 2>I'm so excited it's done.

0:45:26.719 --> 0:45:28.719
<v Speaker 1>Yes, I cannot wait. I can't wait to have a

0:45:28.800 --> 0:45:31.759
<v Speaker 1>first Thanksgiving and we're definitely going to have a housewarming

0:45:31.800 --> 0:45:34.640
<v Speaker 1>and you know, like probably some sort of summer barbecue whatever.

0:45:35.600 --> 0:45:38.120
<v Speaker 1>I just want to have like a gathering spot like

0:45:38.280 --> 0:45:40.359
<v Speaker 1>our apartments not really a gathering spot because it's just

0:45:40.440 --> 0:45:43.080
<v Speaker 1>too small. And so when I had my condo when

0:45:43.120 --> 0:45:45.839
<v Speaker 1>I was in my mid twenties, I mean, all my girlfriends,

0:45:45.960 --> 0:45:47.880
<v Speaker 1>we were all like young and single, and all my

0:45:47.960 --> 0:45:49.640
<v Speaker 1>sisters they would we would they would come over all

0:45:49.680 --> 0:45:52.200
<v Speaker 1>the time. So I really just enjoy having you know,

0:45:52.320 --> 0:45:54.560
<v Speaker 1>people over, And just like I said, we don't have

0:45:54.640 --> 0:45:57.279
<v Speaker 1>that as much here. It's like one or two friends

0:45:57.280 --> 0:45:59.000
<v Speaker 1>at a time, just because our place is small here.

0:45:59.040 --> 0:46:01.719
<v Speaker 1>But so I just can't wait to come back to that, like, hey,

0:46:01.760 --> 0:46:02.960
<v Speaker 1>you can always come. You don't have to have a

0:46:02.960 --> 0:46:07.320
<v Speaker 1>special occasion, just come to the house. You know, it's beautiful. No,

0:46:07.480 --> 0:46:09.440
<v Speaker 1>thank you, you're welcome.

0:46:09.520 --> 0:46:14.320
<v Speaker 2>I know exactly how I feel. So congrats. Go next

0:46:14.560 --> 0:46:18.880
<v Speaker 2>go nest enjoy Happy anniversary too, Yeah, and happy birthday

0:46:18.880 --> 0:46:21.520
<v Speaker 2>to my husband. His birthday is the same day.

0:46:21.680 --> 0:46:25.120
<v Speaker 1>Oh is it so now? I'll never forget it.

0:46:25.840 --> 0:46:31.880
<v Speaker 2>Say that next year too. But you did, though I

0:46:31.920 --> 0:46:32.800
<v Speaker 2>can check the tapes.

0:46:33.320 --> 0:46:35.560
<v Speaker 1>No, I probably because I literally have the worst memory

0:46:35.560 --> 0:46:38.960
<v Speaker 1>that it's hilarious. I will forever be grateful for I

0:46:39.120 --> 0:46:42.200
<v Speaker 1>look at my fridge, I'm like, thank you, Mandy's husband.

0:46:42.600 --> 0:46:45.000
<v Speaker 2>I didn't believe you last year, and I don't believe.

0:46:44.680 --> 0:46:48.040
<v Speaker 1>You this year. I can. We forgot just like that,

0:46:48.280 --> 0:46:50.680
<v Speaker 1>and I literally have no recollection. I'm telling you, I've

0:46:50.719 --> 0:46:53.160
<v Speaker 1>been eighties since I was eight, So there's that.

0:46:53.560 --> 0:46:57.160
<v Speaker 2>I love you anyway, just the way you are.

0:46:58.320 --> 0:47:00.759
<v Speaker 1>All right, y'all, It's been an awesome episode, ask for usual.

0:47:00.800 --> 0:47:02.319
<v Speaker 1>I just love that we're getting way more love on

0:47:02.400 --> 0:47:06.279
<v Speaker 1>via social. Please tweet us, please instagram us, facebook us.

0:47:06.320 --> 0:47:08.840
<v Speaker 1>We really love the social outreach. Tell a friend to

0:47:08.920 --> 0:47:13.040
<v Speaker 1>tell a friend, you know. I just I just I

0:47:13.080 --> 0:47:15.400
<v Speaker 1>someone like set a picture. I think they sent me

0:47:15.440 --> 0:47:18.160
<v Speaker 1>like a DM or they posted on their IG where

0:47:18.200 --> 0:47:19.759
<v Speaker 1>she was giggling as she I guess she was walking

0:47:19.800 --> 0:47:21.880
<v Speaker 1>in the park about my cat story, and I was like,

0:47:21.880 --> 0:47:23.080
<v Speaker 1>what did I say? I forgot that. I said I

0:47:23.120 --> 0:47:23.600
<v Speaker 1>took my cat.

0:47:23.800 --> 0:47:25.960
<v Speaker 2>That's my favorite cat story. I love that story.

0:47:26.440 --> 0:47:29.120
<v Speaker 1>But we love that feedback. If you, if me or

0:47:29.160 --> 0:47:31.239
<v Speaker 1>Mandy says anything that you really enjoy, I love, like,

0:47:31.280 --> 0:47:33.680
<v Speaker 1>please show us your reaction and that we like. It

0:47:34.440 --> 0:47:36.759
<v Speaker 1>motivates us to move forward because I feel like we're

0:47:36.800 --> 0:47:39.440
<v Speaker 1>all friends. So you know, we just love hearing from you.

0:47:39.840 --> 0:47:42.800
<v Speaker 2>At the BA podcast on Twitter and at Brandonition Podcast

0:47:42.840 --> 0:47:43.960
<v Speaker 2>on Instagram.

0:47:44.239 --> 0:47:45.560
<v Speaker 1>Yes, you know, I forgot that, so I was like,

0:47:45.560 --> 0:47:46.680
<v Speaker 1>hopefully Mandy will jump.

0:47:47.719 --> 0:47:50.960
<v Speaker 2>I'm always looking for holes to fill. I'm just kidding,

0:47:52.320 --> 0:47:54.880
<v Speaker 2>all right, y'all, all right, Mandy, all right, Happy Brandon

0:47:54.920 --> 0:47:55.600
<v Speaker 2>miss on Wednesday.

0:47:55.800 --> 0:48:00.600
<v Speaker 1>Bye b