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Speaker 1: Mandra, Do you know what I need? I need to

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Speaker 1: walk in these streets in my BA swag. You know

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Speaker 1: what I'm really looking forward to? First of all, be

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Speaker 1: your own Brown Boost. What an awesome phrase. I cannot

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Speaker 1: wait to wear that on my chest like Superman. And

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Speaker 1: what I'm really excited for, though, is I am a

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Speaker 1: sweatshirt and like hoodie girl. So the classic Brown Ambition

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Speaker 1: logo sweatshirt has my name all over it.

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Speaker 2: But where can I go? Where can I find it?

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Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get

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Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five

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Speaker 3: years in the game, we finally have merch for you guys.

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Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew

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Speaker 3: neck tea, get a onesie for your littles. We got

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Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be

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Speaker 3: your own Brown Boost T shirt for sure. We have

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Speaker 3: a Brown Ambition mug, which my family is most excited about.

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Speaker 3: I had to do the fifteen out size for my

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Speaker 3: big sister because she drinks coffee Like nobody's business.

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Speaker 2: Oh you know, I'm the budget nesh to write any

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Speaker 2: special offer.

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Speaker 3: I'm also very glad you asked that question, Tiffany. Yes,

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Speaker 3: with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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Speaker 3: all one word, you can get fifteen percent off your

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Speaker 3: order at Brown ambitionstore dot com.

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Speaker 1: I can't wait to see y'all in these BA streets

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Speaker 1: repping BA bam with your BA swag. Hey.

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Speaker 4: Hey, hey we're back. We're black Capital B. We're Brown

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Speaker 4: Capital B as well ambition. Hey man scha ambition.

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Speaker 3: Hey, thanks for reminding me. I gotta I did. I

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Speaker 3: forgot to put that on a damn T shirt for y'all.

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Speaker 3: I'm gonna do it. I'm gonna do.

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Speaker 2: Don't forget capital b's all the way.

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Speaker 3: Yes, Actually, you know, the Associated Press itself is officially

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Speaker 3: capitalizing black, and so are we at our you know,

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Speaker 3: our very influential content team at lending Tree, we also

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Speaker 3: were capitalizing black. Yeah, times have it changed.

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Speaker 1: No, that's good for the for the better. So I

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Speaker 1: know it's not time for like brown booths. But I've

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Speaker 1: got a little something on my chest. I want to

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Speaker 1: get off.

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Speaker 3: Okay, go for it.

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Speaker 2: So why is it that all these businesses now? I

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Speaker 2: guess it's strange.

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Speaker 1: So I'm getting you know, so y'all know, I have

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Speaker 1: my business, the budget Nissa, and sometimes people will offer like, hey,

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Speaker 1: we want you to do like, you know, a keynote

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Speaker 1: or a panel or whatever it is, and the type

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Speaker 1: of discounts they're wanting because they're like, well.

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Speaker 2: It's digital, and I'm like, wasn't this digital last year?

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Speaker 1: So people are asking for ridiculous discounts, Like I just

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Speaker 1: got an offer to tape like for damn near two days.

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Speaker 2: It was so much work and then they were like

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Speaker 2: and here's the pittance.

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Speaker 1: And I just couldn't believe it was a huge brand

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Speaker 1: that has plenty of money, actually had a huge, huge

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Speaker 1: brand that just got some five just set aside five

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Speaker 1: hundred million dollars for black initiatives, offered me to speak

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Speaker 1: for free, and I'm like, wait, a billion dollar company,

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Speaker 1: you just set aside money for this initiative. So it's

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Speaker 1: just very frustrated. I know it's not time for Brown Boost,

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Speaker 1: but I don't know if y'all have seen that in

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Speaker 1: these these streets of yours, if you're seeing that people

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Speaker 1: are trying to undervalue and undercut even more now and

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Speaker 1: blame me it on COVID, And I just want to

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Speaker 1: tell you companies to stop it.

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Speaker 3: Well, I mean, I actually was going to talk about

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Speaker 3: this potentially as a brown break or boost, but it's

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Speaker 3: kind of the other side of the coin. And that's

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Speaker 3: a really good point that you're making. It's like, how

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Speaker 3: do you ask for what you're worth? Even considering COVID times.

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Speaker 3: For me, I've negotiated the price of services with professionals

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Speaker 3: that I haven't negotiated in the past, and I've had

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Speaker 3: to be like, look, I want to pay half of

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Speaker 3: what you quoted me. Is that cool? And they both

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Speaker 3: said yes, because I mean so it's kind of like

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Speaker 3: I'm kind of taking advantage of COVID times to really

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Speaker 3: want to negotiate.

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Speaker 1: Ticket line.

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Speaker 2: Don't quite listen.

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Speaker 3: I don't have five hundred million dollars, but I'm also

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Speaker 3: not spending seven hundred dollars on some balloons for my

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Speaker 3: birthday for my for my son's birthday party. Not I

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Speaker 3: ain't have an inra but yeah, if you're in my

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Speaker 3: It's funny because the same business that h did the

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Speaker 3: balloons from a baby shower, I reached out to them

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Speaker 3: for my for for Rio's birthday because I'm trying to

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Speaker 3: do something small in the house. I'm just like, can

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Speaker 3: we get like an Elmo balloon display or whatever for

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Speaker 3: the gram She quoted me seven hundred and I was like,

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Speaker 3: let me, let me go get a helium tank real quick.

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Speaker 3: And and Google had to make a balloon arch but

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Speaker 3: now she cut it down more than half. Uh. And

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Speaker 3: then the same thing where I'm I'm hiring the same

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Speaker 3: designer who helped with our sourcing items and like doing

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Speaker 3: the interior design for our house. She's going to help

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Speaker 3: me redo the basement to turn it into my what

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Speaker 3: do you call it when it's a girl cave whatever

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Speaker 3: she said, but like more than a she shaid a

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Speaker 3: she studio. It's going to be or it's going to

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Speaker 3: be my office because I don't really have my own space,

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Speaker 3: Like all my company knows what my bedroom looks like,

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Speaker 3: which is really weird to me and uncomfortable. So I

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Speaker 3: returning the basement into like a little workout area and

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Speaker 3: it's going to double as an office space and then

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Speaker 3: a recording space so I can do the podcast and

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Speaker 3: also from a channel.

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Speaker 2: I love it, YouTube channel.

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Speaker 3: So I mean, I'm happy to support their businesses, which

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Speaker 3: I you know, but I'm also which I feel good

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Speaker 3: about But I'm also like, if you guys had ever

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Speaker 3: a time to negotiate, it is time, you know, because

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Speaker 3: people are willing to cut their prices just to get

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Speaker 3: a gig.

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Speaker 1: I know, but I guess sometimes I know I'm on

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Speaker 1: the other side. Well, you know, it's not like you

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Speaker 1: are a regular person, so I can understand that. But like,

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Speaker 1: you can't be a billion dollar company literally that has

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Speaker 1: a Black people Advancement initiative and be like, oh girl, yeah,

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Speaker 1: literally there was two and I if I were to

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Speaker 1: tell you the names of the companies, You're like, no way, yeah,

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Speaker 1: what you have served trillions. I'll just say like that

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Speaker 1: according to what you say, come on, now, you don't

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Speaker 1: have a speaker's fee.

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Speaker 3: I just so you could push back, and what happened, Yeah.

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Speaker 1: No, I pushed back, and I just said, hey, cause

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Speaker 1: the good thing is I have not only do I

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Speaker 1: have my rate, So I use canvas see a NBA.

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Speaker 2: Y'all should use it.

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Speaker 1: It's free unless you want to get the upgraded version.

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Speaker 1: And I create like a like I guess it's like

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Speaker 1: kind of like a media speaker kit where it's like

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Speaker 1: my picture, my bio, but also my numbers. Like we've

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Speaker 1: helped over a million women save this amount of money,

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Speaker 1: and my social media hits and how many emails I

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Speaker 1: have just to show kind of like in a snapshot holistically,

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Speaker 1: you know, the strength of the brand. And then I

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Speaker 1: at the end, I'm like, okay, here are my rates.

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Speaker 1: You know, this is how much I charge for this,

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Speaker 1: this and this, and we submit them so that way

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Speaker 1: it's not just like I'm not just saying, hey, pay

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Speaker 1: me this. And so at first the company came to

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Speaker 1: me and said, hey, we'd love for you to speak it.

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Speaker 1: I was excited because I'm like, wow, the names don't

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Speaker 1: get bigger than this. And I was like okay, and

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Speaker 1: they said, well one, you know, can you send your rates?

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Speaker 1: And I said, sure, set my rates and then they

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Speaker 1: were like, ooh, actually this is a little higher than expected.

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Speaker 1: And I said, okay, well you know, what are your

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Speaker 1: rates because maybe there's some wiggar room. And then they

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Speaker 1: came back and said, ooh, actually my bad, we don't

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Speaker 1: have any money.

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Speaker 3: Oh keep me in mind for future opportunities. So yes,

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Speaker 3: I'm like, so, how are you gonna ask me for

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Speaker 3: my rates? And then say actually, Psych will give you

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Speaker 3: our rates. Okay, actually Psych Psych we.

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Speaker 2: Don't have any money.

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Speaker 1: And you know what's really frustrating is that manby every

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Speaker 1: time it happens, it's for their black you know how,

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Speaker 1: Like I don't know if you have to set lending tree,

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Speaker 1: but like some of these like really big companies have

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Speaker 1: like their their black what do they call it, like,

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Speaker 1: you know, like almost like they have a black group

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Speaker 1: within the.

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Speaker 3: It's literally like the Black employee network group or whatever.

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Speaker 3: I've been part of my fair share.

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Speaker 1: Yeah, so almost I would say ninety percent of the

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Speaker 1: time that a huge organization doesn't want to pay it's

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Speaker 1: for me to speak to their black employee network, which

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Speaker 1: is very disheartening, you know.

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Speaker 2: Yeah.

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Speaker 1: So if typically if it's like, hey, come speak to everyone,

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Speaker 1: it's like, oh, we have some money for you. Oh

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Speaker 1: the Black employee network all growing. We don't pay anybody

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Speaker 1: for those people. And it's very telling. And so I've

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Speaker 1: actually turned down some huge names where maybe before I

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Speaker 1: would have done it, you know, just for the exposure.

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Speaker 1: But I'm like, you know what doesn't pay bills exposure?

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Speaker 3: Exposure, right, because who's going to be watching, who's at

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Speaker 3: this company? Who's your audience, you know exactly? So yeah, yeah,

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Speaker 3: so it's just very disappointing. Girl. You got to stand

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Speaker 3: in your truth and you know what you're worth these days.

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Speaker 3: But you're right, I mean when it comes to when

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Speaker 3: it comes to it's like the whole appraisal thing with homes,

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Speaker 3: right when you find out it's in a black neighborhood

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Speaker 3: or you know, has a very diverse community, Often you're

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Speaker 3: undervalued and it's almost like you're out of all the

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Speaker 3: financial experts and you are unique because there aren't that

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Speaker 3: many people at your level women of color, and it's

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Speaker 3: sad to see that even even you still have to

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Speaker 3: deal with this. But it's only going to change if

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Speaker 3: you speak out and keep sharing it and show that

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Speaker 3: you're brave enough to you know, kno back down.

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Speaker 1: Yeah, yeah, it's important because if you don't, here's the thing,

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Speaker 1: and I remember you said this and it stuck with me, Mandy.

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Speaker 2: You I think you were answering like.

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Speaker 1: A question and you said that basically, if you don't

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Speaker 1: negotiate your salary when you first start working, you spent

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Speaker 1: basically your whole career trying to catch up.

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Speaker 3: Yep, and that always thank you for quoting me back

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Speaker 3: to me. This is just making my day. I'm like

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Speaker 3: I agree with that.

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Speaker 1: Oh I said, nobody was so powerful because even though

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Speaker 1: I wasn't, I didn't take the advice as far as

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Speaker 1: me like negotiating my salary. But what I did think

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Speaker 1: to myself is Mandy's right. Then if I say, hey,

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Speaker 1: huge company, you don't have to pay me, word gets

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Speaker 1: out and then it's like you're always fighting to regain

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Speaker 1: that footing.

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Speaker 2: And I get it.

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Speaker 1: You know, fifventy ten years ago, who was like, girl,

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Speaker 1: I'm sorry, we have no groceries.

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Speaker 2: We're doing it for fifty bucks. I would do it

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Speaker 2: for fifty bucks. I get it.

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Speaker 1: I'm not shading anyone who's first starting and they take less.

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Speaker 1: But I challenge you to figure out and not quickly

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Speaker 1: learn how to figure out how to make money outside

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Speaker 1: of the budget Nissa, until people were willing to pay

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Speaker 1: me what I believe I was worth. It took me

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Speaker 1: probably like three or four years when I first started

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Speaker 1: to finally say, you know what, we're not doing, Tiffany

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Speaker 1: all this stuff for free, like I don't mind doing

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Speaker 1: to me, Oh, we church wants me to speak for free?

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Speaker 2: Got you? Boys and Girls Club? Sis?

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Speaker 1: Yes, oh you're not a way got you? But you

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Speaker 1: know it's so crazy. It's those organizations that always want

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Speaker 1: to pay.

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Speaker 2: You know.

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Speaker 1: I've had little churches with like ten people say we

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Speaker 1: took a love offering Tiffany, and here's some money, you know,

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Speaker 1: and so yeah, like I said, it's just and it's

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Speaker 1: just frustrating. But it's also important that you understand your worth.

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Speaker 1: And I mean not to quote, you know, the illustrious

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Speaker 1: Kanye West, but I was just reading.

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Speaker 2: Do you do you do?

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Speaker 1: You know the styary of Kanye and like his Nike

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Speaker 1: deal versus Adidas deal.

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Speaker 3: Yeah, something is ringing a bell, but yeah, go for it.

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Speaker 1: So like in like in two thousand and seven, he

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Speaker 1: I think he met the CEO of Nike and was like, hey,

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Speaker 1: you know, I think we should work together. I would

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Speaker 1: let's design a shoot together, and Nike was like, bet,

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Speaker 1: let's do this. And so he from in two thousand

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Speaker 1: like nine, I think like he started like the official

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Speaker 1: release of like the Yeezy's, like the Air Yeezys came

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Speaker 1: out and it seemed like everything was like going great,

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Speaker 1: but he was like Nike, yo, I want like a

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Speaker 1: Michael Jordan deal. You know, I want royalties from every

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Speaker 1: state from every sale. He said, I want to be like, like,

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Speaker 1: like how you did with you know, the air Jordan's

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Speaker 1: And Nike was like, yeah, no, but what we can

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Speaker 1: do is we could do a small percentage toward a

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Speaker 1: charity you first of all, you know, Kanye was like

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Speaker 1: the hell and so he said, He's like, no, I

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Speaker 1: should be treated like an athlete. I'm going to be

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Speaker 1: just as big as Michael Jordan. So what he decided

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Speaker 1: and said was he split from Nike in twenty thirteen

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Speaker 1: and he started working with Adidas, and he got an

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Speaker 1: even better deal.

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Speaker 2: With Adidas.

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Speaker 1: He gets to retain one hundred percent of the Easy

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Speaker 1: brand and instead he has an exclusive distribution deal for

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Speaker 1: his Easys And so that's that's like crazy. And so

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Speaker 1: as a result of that, in two thousand and nine,

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Speaker 1: Easy did it. He sold about one point five billion

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Speaker 1: dollars in sales, up fifty percent from the year before.

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Speaker 1: And that's about half of what Nike made off Jordan.

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Speaker 1: So Easy's made half of what Nike made, Right, But

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Speaker 1: guess who got paid more. Kanye got paid about ten

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Speaker 1: million dollars more than mj So even though Kanye sold

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Speaker 1: less half as many sneakers as Michael Jordan, he got

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Speaker 1: paid more than Michael Jordan on his sneakers. And it

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Speaker 1: was just a reminder that like, if you're able, because

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Speaker 1: it's not always you have to feed kids and you know,

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Speaker 1: you gotta you know, you got a you gotta make

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Speaker 1: sure that you are okay. But they're time a time

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Speaker 1: when you have to stand up for yourself and say

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Speaker 1: I am worth more, I bring more to the table

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Speaker 1: and I'm going to hold out for someone who is

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Speaker 1: going to recognize that.

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Speaker 2: And so can you imagine?

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Speaker 1: So I think Kanye got paid one hundred and forty

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Speaker 1: million dollars from Adidas last year. Now, like I said,

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Speaker 1: that's ten million more than MJ. Meanwhile selling over a

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Speaker 1: billion dollars less than MJ.

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Speaker 2: That's insane.

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Speaker 1: So it was just like, you know, Kanye West is

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Speaker 1: not always my favorite person, but when it came to that,

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Speaker 1: it just like kind of put a battery in my

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Speaker 1: back that we need to understand that ownership is wealth.

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Speaker 3: Oh I would remember, I'm put that on the shirt that.

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Speaker 2: Right, who good one?

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Speaker 3: Because well, another example a whole different kind of entertainer.

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Speaker 3: I actually watched the Dolly Parton documentary on Netflix this

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Speaker 3: weekend because Dolly Parton's like the one thing people can

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Speaker 3: agree on. And you know, I Will Always Love You,

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Speaker 3: which was performed and made famous by Whitney Houston. Dolly

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Speaker 3: Parton wrote that track like in the sixties or seventies

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Speaker 3: or something, and at a certain point Elvis apparently wanted

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Speaker 3: to record the song, but they wanted like a very

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Speaker 3: big share of or they wanted like a credit that

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Speaker 3: would have prevented her from recouping like profit from the song.

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Speaker 3: And you know, ay, and even back then it was

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Speaker 3: before streaming, but like when you heard the song on

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Speaker 3: the radio, the producers and songwriters get a cut of that.

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Speaker 3: So anyway, Dolly was like Elvis was for her a

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Speaker 3: huge star and she turned him down and she was like,

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Speaker 3: let me hold on to this. And it wasn't until

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Speaker 3: like twenty something years later when Whitney recorded it and

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Speaker 3: made it super famous, and she's like that record made

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Speaker 3: me was like the key to everything. And it was

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Speaker 3: because she stood her ground. Little baby Dolly Parton. She's

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Speaker 3: a badass business woman.

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Speaker 2: She is a bad I want to watch it that.

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Speaker 2: I love a good documentary.

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Speaker 3: She and it shortened to the point and you know,

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Speaker 3: I mean Dolly and Dolly is just I mean I

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Speaker 3: haven't really thought about Dolly, but she is. You have

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Speaker 3: got to respect the woman from where she came to

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Speaker 3: where to the empire she has made. I mean from

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Speaker 3: she has a freaking theme park named after herself.

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Speaker 2: I know Dolly's World, isn't it.

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Speaker 3: Dolly's Yeah, Dolly Land or I don't know now I

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Speaker 3: forgot Dolly something. Okay, Yeah, So mad respect to her,

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Speaker 3: and it's the same story. It's about that ownership. It's

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Speaker 3: like having the wherewithal to, yeah, to read the fine

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Speaker 3: print and stand up for what you think you deserve.

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Speaker 3: And it's easier so than done. So I have I

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Speaker 3: have so much respect for her and for yes, for ye,

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Speaker 3: for Kanye. The man does not lack ego, that's for sure.

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Speaker 2: Yes.

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Speaker 1: I mean you know, even a broken clock is right

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Speaker 1: twice a day. So yeah, hey, how is your birthday?

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Speaker 1: Honestly it was amazing, Superman, And this is what I

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Speaker 1: tell I'm going to tell you all you men's out

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Speaker 1: there who are not good at planning stuff, because Superman

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Speaker 1: is not tacked to plan, He's attacked to be like, Babe,

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Speaker 1: I want to surprise you, but I don't know where

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Speaker 1: spots and stuff are.

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Speaker 2: So here's my card and just book it. I'm like,

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Speaker 2: that's not I know.

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Speaker 1: So I told him this time. I was like, honestly,

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Speaker 1: it's been a very hectic couple of weeks. I want

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Speaker 1: to have something special for my birthday, but I do

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Speaker 1: not want to participate in the planning.

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Speaker 2: He looked at me like, wait, well, and so.

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Speaker 1: Instead he actually reached out to baby Lisa, shout out

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Speaker 1: to you, baby Lisa, who's not a baby, she's thirty one,

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Speaker 1: but she's my little sister, the youngest of the five

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Speaker 1: of us. And Lisa hooked my guy up. When I

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Speaker 1: tell you, she made a typed out itinerary was text

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Speaker 1: messaging him, you guys have ten minutes to get to dinner.

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Speaker 1: Don't forget about the SPA appointment. So we went to

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Speaker 1: Equinox Hotel in New York City. So we all know

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Speaker 1: kind of Equinox for the gym, but they have this

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Speaker 1: amazing hotel.

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Speaker 3: About to say, what, I've never heard if they had

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Speaker 3: a hotel.

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Speaker 1: Yes, well it's it's you know, Hudson Yards. Is that

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Speaker 1: new like beautiful billionaire's row in the city. So it's

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Speaker 1: five star. But I was like, one thing. I was like,

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Speaker 1: I was like, we gotta preserve these coins. So I

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Speaker 1: have so many points on my credit card because you know,

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Speaker 1: I haven't been able to use them. So I told Lisa, like,

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Speaker 1: you know, and I told Superman, I'm like, no, just

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Speaker 1: use the points.

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Speaker 2: In our car. Are you crazy? Who's paying out of

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Speaker 2: pocket for like the hotel?

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Speaker 1: And so the hotel has a spa, it had restaurants,

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Speaker 1: so we were able to do a lot of those

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Speaker 1: things there. So first night we got there, Lisa found

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Speaker 1: a really amazing steakhouse in Harlem for us to eat.

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Speaker 1: So we drove and actually traffic wasn't bad from Jersey.

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Speaker 1: It was like thirty five minutes we ate got to

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Speaker 1: the hotel. It was so gorgeous. We had this amazing

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Speaker 1: view of the water. Honestly, I felt like I was like,

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Speaker 1: this is how Beyonce feels. I'm like, no, girl, Beyonce's

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Speaker 1: in the penhouse. Either way, it felt like ow Beyonce

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Speaker 1: felt maybe twenty years ago. But it was amazing. We

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Speaker 1: walked in, he had like they had already put up

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Speaker 1: the roses in the candle.

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Speaker 2: I'm like, how did they know we were coming in?

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Speaker 1: He was like ah, And so it was just honestly,

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Speaker 1: even my chocolate chip cookies, which I love. I was like,

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Speaker 1: they have fresh, big, talkative cookies they have waiting for you.

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Speaker 2: It was honestly awesome. I will say that, so you

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Speaker 2: deserve that was It just was great.

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Speaker 1: And like I said, we had the spot treatment the

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Speaker 1: next day and then we went on one of those rickshaws,

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Speaker 1: like you know the bicycle people through Central Park. In

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Speaker 1: our shout out to Vitali. He was hilarious, funny, kind

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Speaker 1: and so knowledgeable about the city. And like I said,

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Speaker 1: it was just an amazing weekend. I didn't do a

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Speaker 1: lick up work, which I love, and yeah, it was

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Speaker 1: a good time. But if there's anything I would say

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Speaker 1: takeaway is I'm not y'all know, I'm not huge. Me

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Speaker 1: and man are not huge on debt, and I'm not

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Speaker 1: huge on credit cards. But when I tell you, American Express,

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Speaker 1: they don't pay me anything. I don't have any partnership

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Speaker 1: with them. But girl, So that was the points that

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Speaker 1: I use from my American Express card because my business

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Speaker 1: partner and I Jabro we split the points because we

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Speaker 1: have so many, and so we use the points from

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Speaker 1: the card. And I didn't realize that when you use

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Speaker 1: your American Express card. They're like, oh, breakfast in the

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Speaker 1: room is on us. I was like why, They're like

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Speaker 1: you use your American Express. Oh you got an extra

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Speaker 1: hundred dollars like credit for like whatever, you know whatever,

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Speaker 1: like the mini bar or whatever. I was like, what

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Speaker 1: it was?

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Speaker 2: There were so many perks outside of.

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Speaker 3: Like the mini bar for free.

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Speaker 2: Can you imagine? You know, you should have seen us

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Speaker 2: in there.

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Speaker 1: He and I are such like cheap boats, and I

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Speaker 1: was like, you think how much you think the water costs?

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Speaker 2: How much?

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Speaker 1: We were at it every and then it was so

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Speaker 1: funny because before we were leaving, he was like, Babe,

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Speaker 1: we got five more dollars.

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Speaker 2: We can't.

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Speaker 1: We can't leave five thousand people. Go ahead and grab

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Speaker 1: the gummy beers.

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Speaker 3: No, I've seen you in Yahoo's free kitchen. I've seen

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Speaker 3: you there.

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Speaker 2: Yeah.

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Speaker 1: I used to love Tavy and Yahoo's, oh Yahoo, just

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Speaker 1: because I'm like, ooh, I get my kind bars.

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Speaker 2: So yeah, it was just awesome.

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Speaker 1: But like I like, I never, I've never I've never

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Speaker 1: utilized American Expressing that way before, and I just didn't

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Speaker 1: realize what, you know, just how much they catered service

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Speaker 1: to you. So it just was really nice. And like

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Speaker 1: I said, the hotel was amazing.

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Speaker 2: I mean.

436
00:19:28,560 --> 00:19:30,600
Speaker 1: A ten out of ten. Honestly, it was just amazing.

437
00:19:30,640 --> 00:19:32,880
Speaker 1: And it's just so centrally located, so you.

438
00:19:32,840 --> 00:19:35,000
Speaker 3: Got to travel Like I'm kind of just jealous of

439
00:19:35,000 --> 00:19:37,320
Speaker 3: the experience of just going somewhere with your boo and

440
00:19:37,440 --> 00:19:39,720
Speaker 3: just like you even did like touristy stuff like the

441
00:19:39,720 --> 00:19:42,159
Speaker 3: little rickshaw whatever bicycle.

442
00:19:42,240 --> 00:19:43,800
Speaker 2: Wow. Yeah, I don't know what they call it. I just.

443
00:19:45,440 --> 00:19:47,600
Speaker 3: I'm so self conscious. I'd be like, are you okay?

444
00:19:47,800 --> 00:19:51,000
Speaker 3: Do you want me to suck at it in? Like,

445
00:19:51,040 --> 00:19:53,919
Speaker 3: how can I make this a lighter load? No, but

446
00:19:53,960 --> 00:19:56,120
Speaker 3: that sounds so sweet and so romantic, and you know what,

447
00:19:56,359 --> 00:19:58,639
Speaker 3: shout out to your sister, Lisa, because that was a

448
00:19:58,640 --> 00:20:02,360
Speaker 3: real solid move. The guy. I mean, I'm just kind

449
00:20:02,359 --> 00:20:05,280
Speaker 3: of I've guys just need help. So if you have

450
00:20:05,320 --> 00:20:07,960
Speaker 3: a friend or a sibling who you know is close

451
00:20:08,000 --> 00:20:10,719
Speaker 3: with your significant other, I say, go all the way,

452
00:20:10,760 --> 00:20:13,600
Speaker 3: just say hey, can you help him or her or

453
00:20:13,640 --> 00:20:17,920
Speaker 3: whoever it is? Just just help them for my own benefit. Yeah, yes,

454
00:20:19,160 --> 00:20:22,040
Speaker 3: But husband and I decided to start something called bay

455
00:20:22,080 --> 00:20:27,320
Speaker 3: day by day. Well, I kind of hate the expression

456
00:20:27,440 --> 00:20:29,960
Speaker 3: date night, and it hasn't really worked for us. The

457
00:20:30,000 --> 00:20:32,480
Speaker 3: idea that we'd have a date night once a week

458
00:20:32,560 --> 00:20:35,600
Speaker 3: or whatever, and especially in COVID times plus having the baby,

459
00:20:36,000 --> 00:20:38,160
Speaker 3: I'm like, what a night where I can't I don't

460
00:20:38,160 --> 00:20:40,080
Speaker 3: have to be at home. I'm still nursing and all

461
00:20:40,119 --> 00:20:42,320
Speaker 3: that kind of stuff. So I was like, let's you know,

462
00:20:42,359 --> 00:20:45,280
Speaker 3: and it's led to like disappointments, so that's what I'll say.

463
00:20:45,720 --> 00:20:47,760
Speaker 3: And I said, Okay, how about instead we just name

464
00:20:47,840 --> 00:20:50,480
Speaker 3: one day on like a Saturday or Sunday, like Bay Day,

465
00:20:50,520 --> 00:20:52,760
Speaker 3: and we each do something nice for one another during

466
00:20:52,760 --> 00:20:54,960
Speaker 3: the day, like a day kind of date or whatever.

467
00:20:55,160 --> 00:20:57,800
Speaker 3: So we're going to try it out starting next weekend.

468
00:20:58,240 --> 00:21:00,440
Speaker 3: I just want to feel special. I just want to

469
00:21:00,480 --> 00:21:05,440
Speaker 3: feel like there's something because it's the weekends can be monotonous,

470
00:21:05,520 --> 00:21:08,800
Speaker 3: and also, you know, it is it's been a really

471
00:21:08,840 --> 00:21:11,560
Speaker 3: freaking long time since we've had time to like be

472
00:21:11,880 --> 00:21:15,320
Speaker 3: a couple who thinks about one another, you know, So

473
00:21:15,600 --> 00:21:17,320
Speaker 3: we're gonna try it out. Baby yay.

474
00:21:17,880 --> 00:21:18,480
Speaker 2: I love that.

475
00:21:18,520 --> 00:21:21,040
Speaker 1: It's important honestly to just kind of because I you know,

476
00:21:21,160 --> 00:21:23,680
Speaker 1: I work a lot, and so it was just nice

477
00:21:23,720 --> 00:21:27,280
Speaker 1: to just be like, hey, cause you know, right now

478
00:21:27,280 --> 00:21:29,280
Speaker 1: Superman is home because he had like the foot surgery.

479
00:21:29,359 --> 00:21:32,679
Speaker 1: So even though we're home all day together, it's I

480
00:21:32,680 --> 00:21:34,720
Speaker 1: don't want to get to see him and just hang

481
00:21:34,760 --> 00:21:38,320
Speaker 1: out and just and not do anything other than just talk,

482
00:21:38,440 --> 00:21:40,000
Speaker 1: you know, usually like in the morning we do and

483
00:21:40,000 --> 00:21:41,840
Speaker 1: then right before we go to sleep. But like, it

484
00:21:41,920 --> 00:21:43,920
Speaker 1: was nice that all day it was just like, hey,

485
00:21:43,920 --> 00:21:45,600
Speaker 1: how you, how are you? Oh my gosh, what's your

486
00:21:45,600 --> 00:21:46,320
Speaker 1: favorite color again?

487
00:21:46,359 --> 00:21:46,520
Speaker 5: Oh?

488
00:21:46,600 --> 00:21:46,879
Speaker 2: Blue?

489
00:21:46,920 --> 00:21:50,240
Speaker 1: I forgot, you know. So it was really really really nice,

490
00:21:50,280 --> 00:21:51,680
Speaker 1: I have to say. And I was really happy, and

491
00:21:51,720 --> 00:21:53,359
Speaker 1: I was proud of him. I could say he was,

492
00:21:53,920 --> 00:21:56,320
Speaker 1: but nobody's more proud of him than himself. Okay, because

493
00:21:56,320 --> 00:21:58,840
Speaker 1: he was like, I did I heard about the phone? Yeah, man,

494
00:21:58,920 --> 00:22:02,040
Speaker 1: I did it so good. I was like, that has

495
00:22:02,040 --> 00:22:04,439
Speaker 1: to come for me. You are doing the most right now.

496
00:22:05,240 --> 00:22:06,560
Speaker 2: But he did do a really good job.

497
00:22:06,960 --> 00:22:08,960
Speaker 3: Give him this little pat on the back, Give this

498
00:22:09,080 --> 00:22:11,600
Speaker 3: a little and before do you feel the pending doom

499
00:22:11,720 --> 00:22:15,000
Speaker 3: of like the winter time I'm feeling I'm starting to

500
00:22:15,000 --> 00:22:17,640
Speaker 3: feel like, let me get my last social distance outdoor

501
00:22:17,680 --> 00:22:20,159
Speaker 3: hangouts and before we got to close up for the

502
00:22:20,200 --> 00:22:23,040
Speaker 3: winter and go back inside our caves. Are you feeling

503
00:22:23,080 --> 00:22:23,720
Speaker 3: anything like that?

504
00:22:24,160 --> 00:22:24,680
Speaker 2: Not yet?

505
00:22:24,960 --> 00:22:26,680
Speaker 1: Only because I have a fire pit in the backyard,

506
00:22:26,680 --> 00:22:28,320
Speaker 1: so we gonna see how long that like lets me

507
00:22:28,400 --> 00:22:32,000
Speaker 1: stretch out, and so we'll see. I have like a

508
00:22:32,200 --> 00:22:34,040
Speaker 1: like a group of friends. There's like three of us

509
00:22:34,400 --> 00:22:37,200
Speaker 1: that like hang out. They'll come here, Like my friend

510
00:22:37,240 --> 00:22:39,760
Speaker 1: Rihanna lives around a corner, my sister lives down the street,

511
00:22:39,880 --> 00:22:42,800
Speaker 1: and then Linda doesn't live far I need to disc Cobra.

512
00:22:42,960 --> 00:22:46,440
Speaker 1: So we've been like, you know, kind of like hanging out.

513
00:22:46,520 --> 00:22:49,280
Speaker 1: Like we'll just rotate houses so it doesn't feel as bad.

514
00:22:49,320 --> 00:22:51,879
Speaker 1: And plus two, you know, I always work from home,

515
00:22:52,280 --> 00:22:54,760
Speaker 1: so it doesn't feel too crazy.

516
00:22:54,800 --> 00:22:55,880
Speaker 2: And I'm not gonna lie I am.

517
00:22:56,080 --> 00:22:59,480
Speaker 1: People think like I guess because I'm pretty, I seem

518
00:22:59,560 --> 00:23:00,600
Speaker 1: like I'm so we're outgoing.

519
00:23:00,680 --> 00:23:00,960
Speaker 2: I'm not.

520
00:23:01,520 --> 00:23:04,080
Speaker 1: I'm just more silly and fun. But I'm actually pretty shy.

521
00:23:04,240 --> 00:23:06,200
Speaker 1: So I love me a good. I'm just gonna be home.

522
00:23:07,000 --> 00:23:09,720
Speaker 3: Yeah, this whole virtual lifestyle is great for me. I

523
00:23:09,760 --> 00:23:11,320
Speaker 3: went to a happy hour at three thirty. I never

524
00:23:11,359 --> 00:23:12,840
Speaker 3: would have gone to in real life if it had

525
00:23:12,840 --> 00:23:14,719
Speaker 3: been at a bar. I'm like, y'a, I'll do your

526
00:23:14,720 --> 00:23:17,280
Speaker 3: little I'll do a happy hour quote unquote, you know,

527
00:23:17,400 --> 00:23:19,600
Speaker 3: talk to some people. It's so much better I don't

528
00:23:19,640 --> 00:23:22,800
Speaker 3: have to like leave, there's no commute, there's no like

529
00:23:23,119 --> 00:23:24,480
Speaker 3: I bet you're like me where you go to a

530
00:23:24,520 --> 00:23:26,280
Speaker 3: function and afterwhard you come home and you're like so

531
00:23:26,359 --> 00:23:30,240
Speaker 3: depleted from all the like for socialization and networking or

532
00:23:30,280 --> 00:23:32,879
Speaker 3: whatever that is. My I can roll into bed if

533
00:23:32,920 --> 00:23:36,480
Speaker 3: I want to or whatever. It's nice. Yeah, well we've

534
00:23:36,520 --> 00:23:38,679
Speaker 3: got a busy We've got a very busy fall. We

535
00:23:38,720 --> 00:23:42,240
Speaker 3: have this two week period where it's like Thanksgiving. Rio's

536
00:23:42,240 --> 00:23:44,840
Speaker 3: first birthday is Thanksgiving Day. This year it falls on Thanksgiving.

537
00:23:44,920 --> 00:23:48,480
Speaker 2: Oh really, I'm not having birthday right.

538
00:23:48,880 --> 00:23:51,640
Speaker 3: Little Turkey Turkey and then my and then we're trying

539
00:23:51,680 --> 00:23:56,280
Speaker 3: to squeeze into baptism in between Thanksgiving and my husband's

540
00:23:56,320 --> 00:23:59,320
Speaker 3: brother's wedding, which is and I really thank them for this.

541
00:23:59,359 --> 00:24:02,439
Speaker 3: It's black tie optional, so that means your girl is

542
00:24:02,480 --> 00:24:04,000
Speaker 3: gonna get a ball down.

543
00:24:04,800 --> 00:24:05,880
Speaker 2: It's nice.

544
00:24:06,240 --> 00:24:08,440
Speaker 3: I'm really excited. I want to like get my hair done,

545
00:24:08,440 --> 00:24:11,000
Speaker 3: and I'm already kind of bullying slash just you know,

546
00:24:11,600 --> 00:24:14,160
Speaker 3: just gently nudging one of our cousins to like get

547
00:24:14,160 --> 00:24:15,680
Speaker 3: her hair done with me, and let's make a day

548
00:24:15,680 --> 00:24:17,479
Speaker 3: of it. And we're gonna stay at this nice hotel

549
00:24:17,600 --> 00:24:20,240
Speaker 3: or the wedding is gonna be so I'm looking forward

550
00:24:20,280 --> 00:24:22,800
Speaker 3: to that, but it's gonna be quite a two week span.

551
00:24:22,840 --> 00:24:24,879
Speaker 3: And then I feel like, okay, I'm gonna put you

552
00:24:24,920 --> 00:24:27,800
Speaker 3: know the clothes sign on our house and just be like, Okay, goodbye.

553
00:24:28,119 --> 00:24:32,400
Speaker 3: That's it. See y'all in March. Hibernating hibernating. Yeah, yeah,

554
00:24:32,440 --> 00:24:33,920
Speaker 3: something to look forward to for sure.

555
00:24:34,200 --> 00:24:37,560
Speaker 2: Okay, well, is it time for my favorite part of

556
00:24:37,560 --> 00:24:38,600
Speaker 2: the show, I.

557
00:24:38,640 --> 00:24:40,920
Speaker 3: Believe, So let's take a quick break and we will

558
00:24:40,960 --> 00:24:42,880
Speaker 3: be right back with y'all's question.

559
00:24:43,080 --> 00:25:19,920
Speaker 5: Question, and we're back for the FABE part of the show.

560
00:25:20,000 --> 00:25:20,879
Speaker 5: Question Doll's question.

561
00:25:20,920 --> 00:25:23,160
Speaker 2: Don't do we have any questions?

562
00:25:23,240 --> 00:25:23,440
Speaker 1: Man?

563
00:25:23,720 --> 00:25:25,760
Speaker 3: Oh, well do we do?

564
00:25:25,960 --> 00:25:26,040
Speaker 4: We?

565
00:25:26,160 --> 00:25:29,159
Speaker 3: Ever? This is this is look, this is definitely our

566
00:25:29,160 --> 00:25:32,400
Speaker 3: fa one of our favorite parts of the show, and honestly,

567
00:25:32,440 --> 00:25:34,359
Speaker 3: I wanted to give you all an update. So a

568
00:25:34,359 --> 00:25:36,000
Speaker 3: couple of weeks back, we got a question from a

569
00:25:36,040 --> 00:25:39,480
Speaker 3: listener that really hit hit us in our heart strings.

570
00:25:39,680 --> 00:25:42,680
Speaker 3: She was a single mother, really struggling, had some debt,

571
00:25:42,800 --> 00:25:45,800
Speaker 3: had some savings, and was pretty much questioning whether or

572
00:25:45,840 --> 00:25:48,119
Speaker 3: not she should pull all the money out of her

573
00:25:48,160 --> 00:25:50,800
Speaker 3: four one K in order to pay off her debt.

574
00:25:50,920 --> 00:25:53,679
Speaker 3: And get on the right track. And you know, Tiffany

575
00:25:53,680 --> 00:25:55,720
Speaker 3: and I talked at the time about like I was

576
00:25:55,760 --> 00:25:57,480
Speaker 3: raised by a single mom, and I kind of shared

577
00:25:57,480 --> 00:26:00,600
Speaker 3: how when my mom got to force from my father

578
00:26:00,640 --> 00:26:02,639
Speaker 3: and separated, and she had four kids, like under the

579
00:26:02,680 --> 00:26:04,639
Speaker 3: age of I don't know how thirteen or fifteen or

580
00:26:04,640 --> 00:26:07,360
Speaker 3: something like that, but a bunch of kids and one

581
00:26:07,480 --> 00:26:10,600
Speaker 3: very small income. And so when we got that question,

582
00:26:10,880 --> 00:26:13,320
Speaker 3: I think, you know, my advice was really the only

583
00:26:13,320 --> 00:26:15,320
Speaker 3: way that we survived that period in our times was

584
00:26:15,320 --> 00:26:17,840
Speaker 3: because my mom asked for help from her siblings, from

585
00:26:17,840 --> 00:26:20,399
Speaker 3: my aunts and uncles, and we lived with my uncle,

586
00:26:20,600 --> 00:26:22,879
Speaker 3: like and A kicked him out of his bedroom. He

587
00:26:22,880 --> 00:26:24,960
Speaker 3: slept on the couch, and my mom and my sister

588
00:26:24,960 --> 00:26:27,080
Speaker 3: and I crammed into his bedroom and my little brother

589
00:26:27,119 --> 00:26:29,240
Speaker 3: and my older brother slept in another bedroom. And we

590
00:26:29,320 --> 00:26:31,240
Speaker 3: lived there for a while, and then we moved into

591
00:26:31,240 --> 00:26:34,600
Speaker 3: my uncle's rental for a while. My mom's coworkers got

592
00:26:34,680 --> 00:26:37,560
Speaker 3: us Christmas gifts that year. It was tough. Anyway, one

593
00:26:37,560 --> 00:26:39,320
Speaker 3: of our listeners reached out, and I thought this was

594
00:26:39,359 --> 00:26:41,720
Speaker 3: so sweet. She offered to she wanted to see if

595
00:26:41,720 --> 00:26:43,520
Speaker 3: we could connect her to that listener, so that she

596
00:26:43,560 --> 00:26:46,600
Speaker 3: could send her like a grocery store gift card or something.

597
00:26:46,680 --> 00:26:49,520
Speaker 3: So just shout out to that listener and thank y'all

598
00:26:49,520 --> 00:26:53,280
Speaker 3: for feeling like you can share these intimate stories. Yes,

599
00:26:53,480 --> 00:26:54,840
Speaker 3: and you're stress with us.

600
00:26:55,040 --> 00:26:55,359
Speaker 2: Mandy.

601
00:26:55,400 --> 00:26:58,760
Speaker 1: Your advice was so because you know, sometimes we could

602
00:26:58,760 --> 00:27:00,720
Speaker 1: get lost in the financial advice send it for it

603
00:27:00,760 --> 00:27:02,600
Speaker 1: to be super technical, like well, you know you want

604
00:27:02,600 --> 00:27:04,080
Speaker 1: to refinance your loan and you want to talk to

605
00:27:04,240 --> 00:27:06,879
Speaker 1: da da da da, and you want to defer and forbearance,

606
00:27:06,960 --> 00:27:12,040
Speaker 1: and you know, your advice was so empathetic and spot on,

607
00:27:12,200 --> 00:27:14,600
Speaker 1: Like it just really warmed my soul that that a

608
00:27:14,640 --> 00:27:18,680
Speaker 1: listener can ask a question and they could get advice,

609
00:27:19,119 --> 00:27:20,920
Speaker 1: but from a place of like heart and soul. It

610
00:27:21,040 --> 00:27:23,200
Speaker 1: just honestly, I just as I was listening to you share,

611
00:27:23,240 --> 00:27:25,600
Speaker 1: I was just like, wow, this is exactly what this

612
00:27:25,720 --> 00:27:28,760
Speaker 1: show is about. Yes, we certainly get to the you

613
00:27:28,800 --> 00:27:31,919
Speaker 1: know X y Z, you know P plus L equals this,

614
00:27:32,000 --> 00:27:35,119
Speaker 1: but we also get to the this is how my

615
00:27:35,280 --> 00:27:39,080
Speaker 1: life is flavoring, you know, the advice that I'm giving you,

616
00:27:39,200 --> 00:27:40,640
Speaker 1: and so I don't know it just I just wanted

617
00:27:40,640 --> 00:27:42,160
Speaker 1: to tell you that it just really warmed my heart

618
00:27:42,160 --> 00:27:44,080
Speaker 1: and soul and just it was just awesome advice that

619
00:27:44,119 --> 00:27:46,679
Speaker 1: you gave her during our last episode.

620
00:27:47,400 --> 00:27:50,439
Speaker 3: Well thanks and thanks to her for you know, sharing that.

621
00:27:51,040 --> 00:27:53,199
Speaker 3: And it almost was like her question and of itself

622
00:27:53,280 --> 00:27:55,600
Speaker 3: was asking for help, which was a you know, it

623
00:27:55,600 --> 00:27:57,399
Speaker 3: takes bravery. So thank you for sharing, and thank you

624
00:27:57,440 --> 00:27:59,480
Speaker 3: to that listener. I'm going to connect y'all. Finally got

625
00:27:59,520 --> 00:28:03,720
Speaker 3: the email, so thank y'all. But let's get into this

626
00:28:03,840 --> 00:28:07,240
Speaker 3: week's question. Your favorite Tiffany real estate question. Lots of

627
00:28:07,280 --> 00:28:09,359
Speaker 3: real estate questions. It does feel like the hot the

628
00:28:10,000 --> 00:28:12,680
Speaker 3: housing market if you're in the right location, is pretty

629
00:28:12,840 --> 00:28:15,720
Speaker 3: hot these days as people are looking to move out

630
00:28:15,720 --> 00:28:17,720
Speaker 3: of cities and get to the burbs since no one's

631
00:28:17,720 --> 00:28:20,800
Speaker 3: going any damn ware all right. This question comes from

632
00:28:20,840 --> 00:28:23,720
Speaker 3: listener named Natalie. She says, I'm shopping for a home

633
00:28:23,760 --> 00:28:26,800
Speaker 3: in a very competitive market. I'm trying to decide if

634
00:28:26,840 --> 00:28:29,480
Speaker 3: I should embark on a renovation project or stick to

635
00:28:29,520 --> 00:28:32,880
Speaker 3: the turnkey homes. I remember Tiffany renovated her home from

636
00:28:32,880 --> 00:28:35,720
Speaker 3: top to bottom. Mandy, did you have renau projects in

637
00:28:35,760 --> 00:28:38,000
Speaker 3: your home too? I want to know how did you

638
00:28:38,040 --> 00:28:40,280
Speaker 3: find a good team that doesn't try to take advantage

639
00:28:40,280 --> 00:28:42,920
Speaker 3: of you? And that also does a great job. I've

640
00:28:42,920 --> 00:28:45,520
Speaker 3: heard the horror stories of renaults getting out of control

641
00:28:45,560 --> 00:28:48,680
Speaker 3: and costing way more than budgeted. Any tips you have

642
00:28:48,760 --> 00:28:50,760
Speaker 3: would be great, thank you, and I love the show.

643
00:28:51,760 --> 00:28:52,560
Speaker 3: So Natalie wa.

644
00:28:53,320 --> 00:28:57,160
Speaker 2: She wants she wants to either reno or buy a home, so.

645
00:28:57,160 --> 00:29:00,160
Speaker 3: It's a very competitive market. So she's like, should I

646
00:29:00,240 --> 00:29:04,720
Speaker 3: try to go for a fixer upper basically, which would

647
00:29:04,760 --> 00:29:07,400
Speaker 3: open up her options? If she's looking for a turnkey home,

648
00:29:07,720 --> 00:29:09,680
Speaker 3: like a home that's ready to move in, you know,

649
00:29:09,760 --> 00:29:12,920
Speaker 3: doesn't need any doesn't mean any fixing up, it would

650
00:29:12,920 --> 00:29:15,600
Speaker 3: limit her options in this community market. So yeah, I

651
00:29:15,680 --> 00:29:17,720
Speaker 3: was in the they we're both in the same boat.

652
00:29:18,960 --> 00:29:20,760
Speaker 1: I couldn't find a turnkey because it was just one

653
00:29:20,760 --> 00:29:24,320
Speaker 1: too expensive. And I'm not gonna lie right now. To me,

654
00:29:24,480 --> 00:29:29,120
Speaker 1: the housing market is a bit inflated because the supply

655
00:29:29,280 --> 00:29:31,440
Speaker 1: is low, but the demand is high, so homes are

656
00:29:31,480 --> 00:29:33,560
Speaker 1: going for way more than they would have gone for

657
00:29:33,760 --> 00:29:35,840
Speaker 1: just a month ago. Like the people across the street.

658
00:29:36,080 --> 00:29:37,800
Speaker 1: My face, Oh man, they didn't tell you. My fans

659
00:29:37,800 --> 00:29:38,680
Speaker 1: are selling their house.

660
00:29:39,240 --> 00:29:44,400
Speaker 3: Your faves. Who are the faves? Wait? The guy, the guy, yes,

661
00:29:45,560 --> 00:29:46,160
Speaker 3: neighbor Keith.

662
00:29:46,560 --> 00:29:48,800
Speaker 1: Yeah, So Neighbory Keith is selling his house and it went.

663
00:29:49,280 --> 00:29:52,000
Speaker 1: It went literally in three days, for like way more

664
00:29:52,040 --> 00:29:53,680
Speaker 1: than they probably would have went for just a month

665
00:29:53,720 --> 00:29:57,720
Speaker 1: ago their home. And that's because the market that we're in.

666
00:29:57,800 --> 00:30:00,720
Speaker 1: So I would I would actually caution folks against buying

667
00:30:00,760 --> 00:30:02,320
Speaker 1: turnkey in a market like now.

668
00:30:02,920 --> 00:30:04,440
Speaker 2: But I'm not gonna lie.

669
00:30:04,520 --> 00:30:08,560
Speaker 1: I mean, I was fortunate in that, not so much

670
00:30:08,600 --> 00:30:11,120
Speaker 1: that my contractor was so great, but I had a

671
00:30:11,160 --> 00:30:14,440
Speaker 1: really great project manager that leaned on him, and that

672
00:30:14,440 --> 00:30:17,400
Speaker 1: that was Rihanna and her husband. She was my designer

673
00:30:18,000 --> 00:30:21,800
Speaker 1: remain home r E h Main m A I N home.

674
00:30:22,080 --> 00:30:25,520
Speaker 1: That's what they are on on on ig but they were.

675
00:30:26,040 --> 00:30:28,680
Speaker 1: They were my project management team. She designed, He is

676
00:30:28,720 --> 00:30:32,120
Speaker 1: a he's a carpenter by trade, but an engineer and

677
00:30:32,160 --> 00:30:35,520
Speaker 1: so he they If it wasn't for them, the house

678
00:30:35,520 --> 00:30:37,080
Speaker 1: would not have turned out the way it did because

679
00:30:37,080 --> 00:30:39,200
Speaker 1: my contractor certainly was trying to cut corners.

680
00:30:39,560 --> 00:30:42,000
Speaker 2: So that's what I would say, is.

681
00:30:41,960 --> 00:30:45,520
Speaker 1: That, knowing what I know now, I would have started

682
00:30:45,520 --> 00:30:48,440
Speaker 1: with a project manager that can help me vet a

683
00:30:48,480 --> 00:30:52,240
Speaker 1: really good contractor, because there are some things that I

684
00:30:52,240 --> 00:30:54,120
Speaker 1: would have missed had it not been for them.

685
00:30:54,360 --> 00:30:56,000
Speaker 2: I know you're you're, you're.

686
00:30:55,880 --> 00:30:57,480
Speaker 1: You had like a you didn't you didn't have a

687
00:30:57,480 --> 00:30:59,640
Speaker 1: project manager, right Mandy.

688
00:30:59,480 --> 00:31:01,520
Speaker 3: Well, yeah, yeah, so we want more traditional. I mean,

689
00:31:01,560 --> 00:31:04,640
Speaker 3: I guess we found our contractor first, and we interviewed three.

690
00:31:04,720 --> 00:31:07,200
Speaker 3: We found him by going, I mean my husband. Really

691
00:31:07,240 --> 00:31:09,239
Speaker 3: he was our project manasurre in that sense, like he

692
00:31:09,320 --> 00:31:12,360
Speaker 3: interviewed people that he found on Home Advisor or Angie's

693
00:31:12,400 --> 00:31:15,760
Speaker 3: List good reviews, and then interviewed them and our and

694
00:31:15,760 --> 00:31:18,400
Speaker 3: we looked for things I was especially looking for, not

695
00:31:18,440 --> 00:31:23,000
Speaker 3: necessarily the lowest price, but the best, the most communicative,

696
00:31:23,360 --> 00:31:25,440
Speaker 3: because you're about to go on a like a multi

697
00:31:25,480 --> 00:31:28,320
Speaker 3: month you know project, no matter what they say, it's

698
00:31:28,320 --> 00:31:30,720
Speaker 3: going to be months, and you want someone who will

699
00:31:30,760 --> 00:31:33,480
Speaker 3: like answer your email and so your texts show up

700
00:31:33,480 --> 00:31:35,959
Speaker 3: on time. And the guy we ended up going with

701
00:31:36,120 --> 00:31:38,280
Speaker 3: was ultimately he showed up on time. He was the

702
00:31:38,280 --> 00:31:40,600
Speaker 3: first to respond to our email you know, about the job.

703
00:31:40,960 --> 00:31:44,080
Speaker 3: He was very like professional and communicative, and he was

704
00:31:44,080 --> 00:31:46,440
Speaker 3: in the mid range as far as the cost went.

705
00:31:46,920 --> 00:31:50,760
Speaker 3: And we also worked with an interior designer separately, and

706
00:31:50,840 --> 00:31:54,000
Speaker 3: I like, so Tiffany, like your interior designers. They recommended

707
00:31:54,000 --> 00:31:55,600
Speaker 3: your contractor, Is that right?

708
00:31:55,640 --> 00:31:59,040
Speaker 1: No, so no, no, I actually found my contract of first, okay,

709
00:31:59,120 --> 00:32:01,520
Speaker 1: but then we found the tier designer like right after that.

710
00:32:01,640 --> 00:32:04,240
Speaker 1: So right as I was like deciding, like there was

711
00:32:04,280 --> 00:32:06,120
Speaker 1: like three or four contract I was just kind of deciding,

712
00:32:06,160 --> 00:32:09,200
Speaker 1: and then we found the project manager and he was like, wait, wait, wait,

713
00:32:09,600 --> 00:32:11,680
Speaker 1: let me help you decide between the few that you're

714
00:32:11,680 --> 00:32:14,000
Speaker 1: looking at, and so they helped mm.

715
00:32:13,920 --> 00:32:17,920
Speaker 3: Hmm, gotcha. Yeah. I think if you start with like

716
00:32:17,960 --> 00:32:20,520
Speaker 3: an interior designer, which which sounds it is not just

717
00:32:20,560 --> 00:32:23,040
Speaker 3: about drapes, Okay. It's not like someone coming to pick

718
00:32:23,040 --> 00:32:25,200
Speaker 3: out what color your rug is going to be. For us,

719
00:32:25,200 --> 00:32:29,360
Speaker 3: it was about Okay, what size kitchen counter can we

720
00:32:29,400 --> 00:32:32,440
Speaker 3: fit in here? What size desk should we get?

721
00:32:32,480 --> 00:32:32,560
Speaker 5: That?

722
00:32:32,640 --> 00:32:35,880
Speaker 3: Stuff that takes like she was so valuable in helping

723
00:32:35,920 --> 00:32:39,000
Speaker 3: me just like reassess my own like help me understand

724
00:32:39,040 --> 00:32:40,720
Speaker 3: what could fit and what we actually could do with

725
00:32:40,760 --> 00:32:43,840
Speaker 3: the space to maximize it. So honestly, if you find

726
00:32:43,880 --> 00:32:47,360
Speaker 3: someone like that first, they probably have worked for worked

727
00:32:47,360 --> 00:32:50,680
Speaker 3: with a bunch of contractors or other people that they

728
00:32:50,720 --> 00:32:52,680
Speaker 3: know in the business and can recommend someone and that

729
00:32:52,720 --> 00:32:55,160
Speaker 3: could be a good source of referrals. We had a

730
00:32:55,200 --> 00:32:58,120
Speaker 3: bit of like it wasn't that bad. But our contractor

731
00:32:58,160 --> 00:33:00,520
Speaker 3: was kind of an afflement alpha male, and he didn't

732
00:33:00,560 --> 00:33:06,880
Speaker 3: love so much my really adorable, petite Russian blonde Julie.

733
00:33:06,920 --> 00:33:09,600
Speaker 3: I loved Julia, She's amazing. Didn't love how kind of

734
00:33:09,600 --> 00:33:11,680
Speaker 3: pushy she was, but I did. I loved how pushy

735
00:33:11,720 --> 00:33:15,520
Speaker 3: she was. Yeah, and you know, wouldn't respond to her sometimes,

736
00:33:15,560 --> 00:33:17,400
Speaker 3: and I had to, like, you know, smooth things over.

737
00:33:17,520 --> 00:33:20,680
Speaker 3: But I think I got, you know, overall, really lucky.

738
00:33:20,960 --> 00:33:25,400
Speaker 3: And honestly, it's tough to people. It's very it's scary

739
00:33:25,440 --> 00:33:27,360
Speaker 3: because if you're going to be spending and we spent

740
00:33:27,520 --> 00:33:30,040
Speaker 3: you know a lot of uh, we spent a lot

741
00:33:30,040 --> 00:33:32,800
Speaker 3: of cash on our remodel. What made me feel comfortable

742
00:33:32,800 --> 00:33:34,880
Speaker 3: about it was the way that he structured the contract

743
00:33:34,880 --> 00:33:38,720
Speaker 3: where it was split up into certain payments after a

744
00:33:38,800 --> 00:33:39,680
Speaker 3: job was completed.

745
00:33:40,080 --> 00:33:40,280
Speaker 2: Yep.

746
00:33:40,640 --> 00:33:43,200
Speaker 3: So you know it's like the kitchen or the demos

747
00:33:43,360 --> 00:33:47,360
Speaker 3: or yeah, demo's done, here's a payment. Kitchens, floors are installed,

748
00:33:47,400 --> 00:33:50,200
Speaker 3: here's a payment. You know, the big bathroom like, you know,

749
00:33:50,280 --> 00:33:53,040
Speaker 3: big things like that. So I felt comfortable and that

750
00:33:53,120 --> 00:33:55,560
Speaker 3: was all lined out in the contract, and then you

751
00:33:55,720 --> 00:33:59,120
Speaker 3: just cross your fingers and pray pray that and make

752
00:33:59,160 --> 00:34:01,200
Speaker 3: sure they get their the permits right. If you have

753
00:34:01,240 --> 00:34:03,680
Speaker 3: someone who's trying to talk to you about oh, our cousins.

754
00:34:03,720 --> 00:34:05,600
Speaker 3: They listened to the show. I don't put their business

755
00:34:05,600 --> 00:34:08,000
Speaker 3: out there, but they they were going to remodel their

756
00:34:08,280 --> 00:34:10,840
Speaker 3: their backyard this summer and they found a really great

757
00:34:11,080 --> 00:34:13,399
Speaker 3: guy who had a great portfolio. And it was during

758
00:34:13,400 --> 00:34:15,120
Speaker 3: the pandemic and this guy was going to do it

759
00:34:15,160 --> 00:34:17,359
Speaker 3: for real cheap, and he was like, Oh, you don't

760
00:34:17,360 --> 00:34:19,879
Speaker 3: need a permit for your backyard whatever. I Meanwhile, they're

761
00:34:19,920 --> 00:34:22,680
Speaker 3: like taking down like part of this retaining mall and

762
00:34:22,680 --> 00:34:25,000
Speaker 3: all this stuff, and one of their neighbors like reported

763
00:34:25,000 --> 00:34:28,319
Speaker 3: them apparently, and they now have for months now have

764
00:34:28,400 --> 00:34:31,719
Speaker 3: had just like half their yard, you know, demoed and

765
00:34:31,960 --> 00:34:35,319
Speaker 3: this big ass dump dumpster in their driveway taking up

766
00:34:35,360 --> 00:34:40,879
Speaker 3: all the space. So get your PaperWorks and dot your

767
00:34:40,880 --> 00:34:42,960
Speaker 3: eyes and cross your t's and all that stuff.

768
00:34:43,920 --> 00:34:46,640
Speaker 1: No, absolutely, and yeah, you just you want to get

769
00:34:46,640 --> 00:34:49,719
Speaker 1: someone who to Mandy's point, it's well one you One

770
00:34:49,760 --> 00:34:51,680
Speaker 1: of the things I learned from Jermaine, from you know,

771
00:34:52,239 --> 00:34:55,120
Speaker 1: my my project manager, is that we set aside about

772
00:34:55,120 --> 00:34:58,680
Speaker 1: twenty five percent extra because things happen that are not

773
00:34:58,760 --> 00:34:59,960
Speaker 1: the contractors.

774
00:34:59,400 --> 00:35:01,880
Speaker 2: Fault, like for example, they were like digging up. They're like, uh,

775
00:35:02,120 --> 00:35:03,480
Speaker 2: there's a hole here, you know.

776
00:35:04,000 --> 00:35:07,040
Speaker 1: So you set aside twenty to thirty percent honestly kind

777
00:35:07,040 --> 00:35:09,359
Speaker 1: of like extra and it's it's always going to take

778
00:35:09,480 --> 00:35:11,759
Speaker 1: longer and it's always going to for the most part,

779
00:35:11,800 --> 00:35:14,320
Speaker 1: going to be more. But if you have a good

780
00:35:15,120 --> 00:35:17,680
Speaker 1: designer project manager, they can really help navigate. So we

781
00:35:19,080 --> 00:35:22,360
Speaker 1: my husband and I Superman and I bought a second

782
00:35:22,360 --> 00:35:25,239
Speaker 1: property totally tear down, well not really a tear down,

783
00:35:25,280 --> 00:35:27,720
Speaker 1: but it was a beat. It was ten thousand dollars,

784
00:35:27,719 --> 00:35:29,919
Speaker 1: so it tells you just how bad, what bad shape

785
00:35:29,960 --> 00:35:33,880
Speaker 1: it was in. So Jermaine again served as our project manager,

786
00:35:34,040 --> 00:35:36,560
Speaker 1: and we are last time I checked, I think we're

787
00:35:36,600 --> 00:35:41,239
Speaker 1: thirty thousand dollars under budget. So but that's also because

788
00:35:41,280 --> 00:35:43,160
Speaker 1: of a lot of the COVID things. Because to your point, man,

789
00:35:43,280 --> 00:35:44,640
Speaker 1: a lot of people are like, oh, I need work.

790
00:35:44,719 --> 00:35:46,759
Speaker 1: So I know that gave you that bid before, but

791
00:35:46,800 --> 00:35:50,520
Speaker 1: I can do better. But you're wanting. You're wanting. That's

792
00:35:50,560 --> 00:35:53,520
Speaker 1: what a good project manager or designer and things will

793
00:35:53,520 --> 00:35:57,080
Speaker 1: help you with is to manage all like the bigger

794
00:35:58,040 --> 00:36:01,040
Speaker 1: aspect of your home because it's not just oh, I like,

795
00:36:01,120 --> 00:36:02,879
Speaker 1: you know, I want hardwood floor, it's like, well, how's

796
00:36:02,920 --> 00:36:05,200
Speaker 1: that going to go with the door? And how is

797
00:36:05,239 --> 00:36:07,000
Speaker 1: the layout of the house. Does it make sense for

798
00:36:07,040 --> 00:36:10,919
Speaker 1: the kitchen door to be here rather than here? And yeah,

799
00:36:11,000 --> 00:36:14,600
Speaker 1: and I mean it's it's it's it's funish it can

800
00:36:14,680 --> 00:36:16,320
Speaker 1: be when it's not being super stressful.

801
00:36:17,080 --> 00:36:20,440
Speaker 3: Yeah, I mean you definitely want to, like you wanna

802
00:36:20,840 --> 00:36:23,000
Speaker 3: if you and it doesn't really cost anything for a

803
00:36:23,000 --> 00:36:24,799
Speaker 3: contractor to come and give you a quote, so if

804
00:36:24,840 --> 00:36:27,560
Speaker 3: you even and the thing is like in a competitive market,

805
00:36:27,600 --> 00:36:29,840
Speaker 3: you have to like put in the offer really quickly,

806
00:36:30,320 --> 00:36:32,000
Speaker 3: but try to get ahead of it. Try to have

807
00:36:32,040 --> 00:36:34,680
Speaker 3: someone like a contractor who can maybe take a look

808
00:36:34,680 --> 00:36:36,640
Speaker 3: at the property and you tell them what you or

809
00:36:36,760 --> 00:36:38,000
Speaker 3: even just tell them what you want to do and

810
00:36:38,040 --> 00:36:39,520
Speaker 3: they can give you a rough estimate so that you

811
00:36:39,520 --> 00:36:41,480
Speaker 3: can see, is this more than you're willing to spend,

812
00:36:41,960 --> 00:36:44,839
Speaker 3: you know, to put into the house, And then you know,

813
00:36:45,200 --> 00:36:48,360
Speaker 3: try and uh, yeah, get get lots of wine if

814
00:36:48,400 --> 00:36:50,800
Speaker 3: you're a drinker, and just keep that you know, on standby,

815
00:36:51,600 --> 00:36:55,160
Speaker 3: and yeah, get and just adjust your expectations like and

816
00:36:55,680 --> 00:36:58,360
Speaker 3: on top of setting aside twenty five percent. I would say,

817
00:36:58,600 --> 00:37:01,200
Speaker 3: increase whatever quote they get you for the timeline by

818
00:37:01,239 --> 00:37:04,960
Speaker 3: like a month, two months. Why not set your expectations

819
00:37:05,040 --> 00:37:09,120
Speaker 3: very low. It ain't like AHGTV where you walk in

820
00:37:09,160 --> 00:37:12,320
Speaker 3: and they're like, here's your house. I still have people

821
00:37:12,320 --> 00:37:14,920
Speaker 3: coming in to like do this in that like months,

822
00:37:14,960 --> 00:37:17,040
Speaker 3: like into February, and it was supposed to be done

823
00:37:17,040 --> 00:37:20,640
Speaker 3: in December. So countertops get delayed, all kinds of fun stuff.

824
00:37:20,640 --> 00:37:22,839
Speaker 1: Oh yes, yes, yeah, Like literally they're like, oh, there's

825
00:37:22,840 --> 00:37:24,000
Speaker 1: a tariff on your shelves.

826
00:37:24,000 --> 00:37:25,000
Speaker 2: I'm like, wait, what does that mean?

827
00:37:25,520 --> 00:37:28,600
Speaker 1: So yeah, but like all in all, you know, if

828
00:37:28,600 --> 00:37:30,680
Speaker 1: you've got a good team around you, you end up

829
00:37:30,680 --> 00:37:33,279
Speaker 1: with something beautiful and then you get something that's really

830
00:37:33,280 --> 00:37:34,320
Speaker 1: suited to your style.

831
00:37:34,480 --> 00:37:37,480
Speaker 3: So if you're looking in Westchester, there's some really nice

832
00:37:37,520 --> 00:37:39,960
Speaker 3: fixer uppers. I mean not nice, but they could be

833
00:37:40,040 --> 00:37:42,200
Speaker 3: nice if you fix them up in our area. So

834
00:37:42,719 --> 00:37:45,880
Speaker 3: come on down. I'm excited because I feel like our

835
00:37:45,880 --> 00:37:48,360
Speaker 3: neighborhood's like a diamond in the rough and people investing

836
00:37:48,400 --> 00:37:54,319
Speaker 3: and buying homes. Now I'm like, yay, go all right,

837
00:37:54,360 --> 00:37:56,600
Speaker 3: let's take let's pueeze in another quick question. We spent

838
00:37:56,760 --> 00:37:58,480
Speaker 3: a lot of time on that one because we had

839
00:37:58,560 --> 00:38:00,719
Speaker 3: lost to say. But thank you again, Natalie with an

840
00:38:00,920 --> 00:38:04,080
Speaker 3: H for your question. I appreciate that. All right, our

841
00:38:04,120 --> 00:38:06,600
Speaker 3: next question, all right, this one comes from someone who

842
00:38:06,680 --> 00:38:09,240
Speaker 3: would like to remain anonymous, and that is perfectly fine.

843
00:38:09,520 --> 00:38:11,360
Speaker 3: They have a question about a five to two nine,

844
00:38:11,520 --> 00:38:13,840
Speaker 3: So they say, I have a question about getting a

845
00:38:13,880 --> 00:38:16,200
Speaker 3: five two nine started for my two month old granddaughter.

846
00:38:16,640 --> 00:38:18,359
Speaker 3: Is it a good way to say for college for her?

847
00:38:18,440 --> 00:38:20,440
Speaker 3: What are your thoughts? By the way, I love the

848
00:38:20,440 --> 00:38:24,120
Speaker 3: podcast listen every week. Oh and I bought Happy Birthday

849
00:38:24,120 --> 00:38:28,680
Speaker 3: Molly Moore for my granddaughter. Yay Molly Moore.

850
00:38:28,719 --> 00:38:30,440
Speaker 2: Wait a little about Molly Moore dot com. M A

851
00:38:30,600 --> 00:38:31,520
Speaker 2: L I M L R E.

852
00:38:34,000 --> 00:38:34,040
Speaker 3: No.

853
00:38:34,200 --> 00:38:37,160
Speaker 2: I love that. Here's the thing.

854
00:38:37,200 --> 00:38:38,799
Speaker 1: And I don't know how you stand on five two

855
00:38:38,920 --> 00:38:41,279
Speaker 1: nine plans. I'm not gonna lie management it's not my fave.

856
00:38:42,280 --> 00:38:44,640
Speaker 1: What I do like about five to nine plans, you know,

857
00:38:45,480 --> 00:38:48,680
Speaker 1: is that you know there are tax benefits right to

858
00:38:48,680 --> 00:38:51,320
Speaker 1: your five two nine plan. But what I don't work

859
00:38:52,040 --> 00:38:55,839
Speaker 1: is that I don't want to set aside money for

860
00:38:56,120 --> 00:38:59,600
Speaker 1: a thing that might not happen. I instead, like I

861
00:38:59,640 --> 00:39:01,960
Speaker 1: have like my nieces and my nephews, I have custodial

862
00:39:02,000 --> 00:39:05,120
Speaker 1: accounts for them, which is just basically account where I'm

863
00:39:05,120 --> 00:39:08,239
Speaker 1: investing money for their future. And I can, you know,

864
00:39:08,360 --> 00:39:10,080
Speaker 1: kind of hand it over to their mom, their dad

865
00:39:10,160 --> 00:39:13,040
Speaker 1: or whoever whenever, or them whenever I want to. And

866
00:39:13,040 --> 00:39:15,120
Speaker 1: and in my mind, I'm like, oh, this is for college.

867
00:39:15,160 --> 00:39:18,600
Speaker 1: But what if Roman decides that he know is going

868
00:39:18,680 --> 00:39:20,640
Speaker 1: to start his own business. What if Lily says, you

869
00:39:20,640 --> 00:39:22,440
Speaker 1: know what, I you know, I don't want to go

870
00:39:22,480 --> 00:39:25,120
Speaker 1: to college. You know, I'm I'm a stay at home mom.

871
00:39:25,239 --> 00:39:26,960
Speaker 1: You know what if Amelia is like, I want to

872
00:39:27,000 --> 00:39:28,680
Speaker 1: take over the world. That's what she's working on now

873
00:39:28,719 --> 00:39:32,719
Speaker 1: at three, you know, And so I didn't I So

874
00:39:32,840 --> 00:39:36,320
Speaker 1: I with five two nine plans, really you're you're supposed

875
00:39:36,320 --> 00:39:38,920
Speaker 1: to use them for education, and if you don't, there

876
00:39:38,960 --> 00:39:43,120
Speaker 1: are some financial ramifications that I just I don't like,

877
00:39:43,800 --> 00:39:45,719
Speaker 1: even though they've they've brought in how you can use

878
00:39:45,719 --> 00:39:47,840
Speaker 1: it for education, because I from what I understand now,

879
00:39:47,880 --> 00:39:49,640
Speaker 1: you can even use it now, like let's just say

880
00:39:50,400 --> 00:39:53,800
Speaker 1: Amelia's in childcare, so her mom could use some of

881
00:39:53,800 --> 00:39:56,319
Speaker 1: the five to two nine plan money for childcare now,

882
00:39:56,600 --> 00:39:59,080
Speaker 1: I mean for it for daycare now. But still it's

883
00:39:59,120 --> 00:40:01,040
Speaker 1: just too limiting for I mean, so they're just not

884
00:40:01,160 --> 00:40:01,520
Speaker 1: my fave.

885
00:40:02,600 --> 00:40:05,640
Speaker 3: Yeah, I agree one hundred percent they're not, are You know,

886
00:40:05,680 --> 00:40:08,120
Speaker 3: A five two nine plan is a good way to

887
00:40:08,239 --> 00:40:10,560
Speaker 3: save if you're sure which who knows what's going to

888
00:40:10,600 --> 00:40:13,560
Speaker 3: happen that you know they'll go to they'll use the

889
00:40:13,600 --> 00:40:16,680
Speaker 3: money for education. The good thing. I hate to say this,

890
00:40:16,760 --> 00:40:18,960
Speaker 3: but with the Trump tax plan, there actually was a

891
00:40:19,000 --> 00:40:22,319
Speaker 3: benefit which expanded the ability to use the funds and

892
00:40:22,320 --> 00:40:25,640
Speaker 3: your five two nine plan beyond higher education. You actually

893
00:40:25,640 --> 00:40:28,160
Speaker 3: could use it for like private school tuitions for K

894
00:40:28,239 --> 00:40:31,319
Speaker 3: through twelve, or school fees and things like that, so

895
00:40:32,239 --> 00:40:34,080
Speaker 3: you know, you don't necessarily have to wait to use

896
00:40:34,080 --> 00:40:36,160
Speaker 3: it for college anymore. I think it's up to ten

897
00:40:36,160 --> 00:40:38,480
Speaker 3: thousand dollars or something like that. We can post a

898
00:40:38,480 --> 00:40:41,759
Speaker 3: link to an article that has the details, so that's

899
00:40:41,760 --> 00:40:43,759
Speaker 3: something to think about. I actually do have a five

900
00:40:43,800 --> 00:40:47,279
Speaker 3: to two nine for Rio, because Husbi opened one and

901
00:40:47,400 --> 00:40:50,960
Speaker 3: he was so damn proud of himself, and I was like, okay,

902
00:40:51,600 --> 00:40:54,400
Speaker 3: and I don't mind the you know, and the benefit

903
00:40:54,440 --> 00:40:57,239
Speaker 3: is that you'll the money you put in grows tax

904
00:40:57,280 --> 00:40:59,360
Speaker 3: free and won't get taxed, like as long as you

905
00:40:59,440 --> 00:41:02,320
Speaker 3: use it for allified education expenses. You won't pay taxes

906
00:41:02,320 --> 00:41:05,120
Speaker 3: on it later, and you invest it, and you can

907
00:41:05,200 --> 00:41:08,279
Speaker 3: choose from a bunch of different types of investment, you know,

908
00:41:08,320 --> 00:41:11,480
Speaker 3: based on your risk tolerance and all that. So, but

909
00:41:12,040 --> 00:41:14,440
Speaker 3: to your point, Tiffany, we were, I think we're recently

910
00:41:14,480 --> 00:41:17,759
Speaker 3: we had Sharon Epperson, the CNBC correspondent, she was on

911
00:41:17,800 --> 00:41:20,960
Speaker 3: the show back when we just got into quarantine, I think,

912
00:41:21,400 --> 00:41:24,799
Speaker 3: and she has some teen she has teenage children, and

913
00:41:24,920 --> 00:41:27,239
Speaker 3: she was she was saying, well, you know, you do

914
00:41:27,360 --> 00:41:30,520
Speaker 3: invest your child's money when you open a five two

915
00:41:30,600 --> 00:41:33,560
Speaker 3: nine plan her children. I think we're just we're close

916
00:41:33,600 --> 00:41:36,719
Speaker 3: to graduating high school. And because of the pandemic at

917
00:41:36,719 --> 00:41:38,360
Speaker 3: the time, the stock market at crash and all that

918
00:41:38,400 --> 00:41:41,920
Speaker 3: kind of stuff, She's like, oh crap, Like the gains

919
00:41:41,960 --> 00:41:45,279
Speaker 3: on my investments have gone down. I mean luckily they

920
00:41:45,400 --> 00:41:47,840
Speaker 3: bounced back, but that is something to time it. You know,

921
00:41:47,920 --> 00:41:50,759
Speaker 3: your time horizon's only like what eighteen years or so,

922
00:41:50,840 --> 00:41:53,600
Speaker 3: seventeen eighteen years, So you want to be sure when

923
00:41:53,640 --> 00:41:56,399
Speaker 3: you choose your investments that like, for example, for Rio,

924
00:41:56,640 --> 00:41:58,120
Speaker 3: I think we're in some kind of version of a

925
00:41:58,120 --> 00:42:01,600
Speaker 3: target date fund that should become more conservative closer to

926
00:42:01,719 --> 00:42:04,600
Speaker 3: get too. Yeah, and it's cute because you can give

927
00:42:04,600 --> 00:42:05,960
Speaker 3: a link to your friends and family and they can

928
00:42:05,960 --> 00:42:06,760
Speaker 3: contribute all.

929
00:42:06,640 --> 00:42:07,840
Speaker 2: That, which is nice.

930
00:42:07,880 --> 00:42:09,839
Speaker 1: But one thing I don't like too about a five

931
00:42:09,880 --> 00:42:13,560
Speaker 1: to nine plan is that, like, don't colleges sometimes it

932
00:42:13,560 --> 00:42:16,320
Speaker 1: could be honestly, you might not get as much financial

933
00:42:16,320 --> 00:42:19,040
Speaker 1: aid that college is consider it when deciding on financial aid.

934
00:42:19,160 --> 00:42:21,840
Speaker 1: So it's possible that you talk would get less financial

935
00:42:21,840 --> 00:42:24,040
Speaker 1: aid if you've got like a ton of BI two

936
00:42:24,120 --> 00:42:28,040
Speaker 1: nine plan money like stashed away. So that's also too

937
00:42:28,080 --> 00:42:30,680
Speaker 1: But to me, I mean that's a big drawback. But honestly,

938
00:42:30,680 --> 00:42:33,400
Speaker 1: to me, the biggest drawback is we're in such uncertain times,

939
00:42:33,400 --> 00:42:35,960
Speaker 1: and not just because of pandemic and quarantine and stuff,

940
00:42:36,040 --> 00:42:38,520
Speaker 1: but just because, like the way the world is shaping up.

941
00:42:38,840 --> 00:42:40,880
Speaker 1: Who knows if there'll even be a thing called college

942
00:42:40,880 --> 00:42:44,600
Speaker 1: in ten years, And I just am nervous about betting

943
00:42:44,640 --> 00:42:46,920
Speaker 1: on that with kids that are like, you know, like

944
00:42:46,960 --> 00:42:49,719
Speaker 1: it's different for Supergirl, right, she's fourteen, so it's like, Okay,

945
00:42:49,800 --> 00:42:51,680
Speaker 1: she's going to college, like college is still a thing.

946
00:42:52,080 --> 00:42:54,440
Speaker 1: But Roman is five. I don't know what that's going

947
00:42:54,520 --> 00:42:56,120
Speaker 1: to look like in thirteen years, you.

948
00:42:56,080 --> 00:43:00,719
Speaker 3: Know, yeah, well, yeah regarding and I know we just

949
00:43:00,800 --> 00:43:03,600
Speaker 3: wrote an article about this on Magnify. It's it's it's

950
00:43:03,640 --> 00:43:06,720
Speaker 3: a baby myth that like five two nine plans really

951
00:43:06,960 --> 00:43:09,880
Speaker 3: dramatically decrease the amount of money you might get from

952
00:43:10,040 --> 00:43:13,040
Speaker 3: financial aid. But it's definitely like it's a it's a risk,

953
00:43:13,120 --> 00:43:16,040
Speaker 3: but it's not like quite as furious. Yeah, like it's huge.

954
00:43:16,040 --> 00:43:17,320
Speaker 3: So anyway, but I'll post I don't have time to

955
00:43:17,320 --> 00:43:19,840
Speaker 3: get into it now, but i'll post something. Yeah, I

956
00:43:20,000 --> 00:43:23,440
Speaker 3: got time for that. But it's decent. But yeah, definitely.

957
00:43:23,480 --> 00:43:25,640
Speaker 3: And tip, do you have a custodial ir ray for them,

958
00:43:25,719 --> 00:43:27,520
Speaker 3: like a ROTH or what kind of account you have

959
00:43:27,640 --> 00:43:29,000
Speaker 3: for them? Just a savings account.

960
00:43:29,400 --> 00:43:33,680
Speaker 1: No, it's a custodial not a ROTH. It's just a

961
00:43:33,719 --> 00:43:37,600
Speaker 1: traditional brokerage acount. But it's a custody gotcha.

962
00:43:37,760 --> 00:43:40,399
Speaker 3: Yeah, so I mean either way, or you can even

963
00:43:40,400 --> 00:43:42,479
Speaker 3: just set aside some cash when you figure it out later,

964
00:43:42,840 --> 00:43:45,360
Speaker 3: you know, put the cash into an account. Better something

965
00:43:45,400 --> 00:43:48,680
Speaker 3: than nothing, right when you're saving for when you're saving

966
00:43:48,719 --> 00:43:51,720
Speaker 3: for anything, analysis paralysis can just stop you from making

967
00:43:52,000 --> 00:43:55,160
Speaker 3: from doing any saving it also exactly go for it.

968
00:43:55,200 --> 00:43:58,480
Speaker 3: And kudos to you, grandma, you're very good granny.

969
00:43:59,040 --> 00:44:01,440
Speaker 2: Yes, especially she got the Molly Moore.

970
00:44:01,280 --> 00:44:06,960
Speaker 3: Book, right, Molly Moore at mollymore dot com. You're welcome,

971
00:44:08,120 --> 00:44:10,319
Speaker 3: all right, all right, cool? Ready for a boost and break?

972
00:44:11,400 --> 00:44:15,080
Speaker 2: Yes, now it's time to boost their break. We're all

973
00:44:15,200 --> 00:44:19,000
Speaker 2: our family. Are you gonna boost? Are you gonna break?

974
00:44:19,160 --> 00:44:20,440
Speaker 2: What you gonna do? Mandy.

975
00:44:22,000 --> 00:44:24,160
Speaker 3: I don't know if you guys check Twitter today between

976
00:44:24,160 --> 00:44:26,080
Speaker 3: the hours of like three and five pm, but there

977
00:44:26,120 --> 00:44:28,520
Speaker 3: was a trending topic that yes, I saw that I

978
00:44:28,880 --> 00:44:31,160
Speaker 3: can't have children in the car or a car if

979
00:44:31,200 --> 00:44:33,520
Speaker 3: you have children in the area, just cover their ears

980
00:44:34,160 --> 00:44:39,000
Speaker 3: hashtag zoom. Dick was trading all that. I was in

981
00:44:39,040 --> 00:44:40,640
Speaker 3: the middle of like that happy hour call that I

982
00:44:40,719 --> 00:44:43,360
Speaker 3: was doing, and I was like, what is going on? Why?

983
00:44:44,280 --> 00:44:47,200
Speaker 3: And I am a masochist, so I clicked. Apparently this

984
00:44:47,320 --> 00:44:51,160
Speaker 3: like CNN contributor, New Yorker columnist or something, was on

985
00:44:51,360 --> 00:44:57,000
Speaker 3: a call with colleagues and his manhood made an appearance

986
00:44:57,040 --> 00:44:59,319
Speaker 3: on the call, and he issued a statement saying, this

987
00:44:59,360 --> 00:45:01,719
Speaker 3: is very embarrass I thought I was not I thought

988
00:45:01,719 --> 00:45:04,920
Speaker 3: I had muted my video, which that quote in and

989
00:45:04,960 --> 00:45:07,359
Speaker 3: of itself tells you this man didn't know he was doing.

990
00:45:07,400 --> 00:45:11,320
Speaker 3: Because you can't mute a video. Oh his poor colleagues,

991
00:45:11,440 --> 00:45:12,680
Speaker 3: y'all can't wait?

992
00:45:12,680 --> 00:45:14,440
Speaker 2: Wait was he not wearing any pants?

993
00:45:14,640 --> 00:45:19,399
Speaker 3: So sources tell me that, uh, it has now come

994
00:45:19,440 --> 00:45:23,359
Speaker 3: out that he was participating in a recreational activity on

995
00:45:23,400 --> 00:45:27,239
Speaker 3: this conference call, a very healthy one that probably you know,

996
00:45:27,360 --> 00:45:30,200
Speaker 3: like most of the most adults participated in. You know,

997
00:45:30,239 --> 00:45:33,080
Speaker 3: it's great, no shame in that game. But maybe don't

998
00:45:33,120 --> 00:45:38,719
Speaker 3: do it on a work call. Uh yeah, yeah, yeah, yeah, yeah, disgusting.

999
00:45:39,080 --> 00:45:44,520
Speaker 3: But that's like the extreme of poor And wait, Tiffany.

1000
00:45:44,840 --> 00:45:49,120
Speaker 2: Myself, sir, what can be so.

1001
00:45:51,080 --> 00:45:54,640
Speaker 1: Arousing arousing about a work call that you have to

1002
00:45:55,920 --> 00:45:56,960
Speaker 1: I just can't believe it.

1003
00:45:57,160 --> 00:45:59,960
Speaker 3: Wow, yeah, he's like, I want to apologize to my wife.

1004
00:46:00,120 --> 00:46:03,680
Speaker 3: Yes you do, my goodness, it's a very healthy habit.

1005
00:46:03,719 --> 00:46:05,640
Speaker 3: But not on a zoom call, sir, I got. And

1006
00:46:05,680 --> 00:46:09,120
Speaker 3: I just feel bad for his colleagues. Oh it must

1007
00:46:09,080 --> 00:46:14,000
Speaker 3: have been like to stop it. I mean, I don't listen.

1008
00:46:14,440 --> 00:46:17,560
Speaker 3: Just the like the ego, like the male and men

1009
00:46:17,600 --> 00:46:20,520
Speaker 3: are just so dumb, just so dumb. Sometimes man keep

1010
00:46:20,520 --> 00:46:23,120
Speaker 3: it in your pants, they keep it in your pants.

1011
00:46:23,560 --> 00:46:26,640
Speaker 3: Do it with a door? You know, I am so like,

1012
00:46:26,800 --> 00:46:29,560
Speaker 3: I am so paranoid about being caught on video doing something.

1013
00:46:29,600 --> 00:46:31,759
Speaker 3: I got one of those. Everyone should invest in these

1014
00:46:31,760 --> 00:46:35,239
Speaker 3: little like slidey cover thingies for your webcam that you

1015
00:46:35,239 --> 00:46:37,520
Speaker 3: can just keep it slid so that even if I

1016
00:46:37,560 --> 00:46:39,719
Speaker 3: open a Zoom and it automatically turns a video on,

1017
00:46:39,800 --> 00:46:41,799
Speaker 3: but I don't want the video to be on. It's

1018
00:46:41,880 --> 00:46:43,680
Speaker 3: just covered, you know, and I have a moment and

1019
00:46:43,680 --> 00:46:46,440
Speaker 3: gather myself and fix my hair or whatever before I

1020
00:46:46,440 --> 00:46:50,160
Speaker 3: open it, and I close the laptop anytime I'm not

1021
00:46:50,200 --> 00:46:52,480
Speaker 3: sitting at it, just you know, just to keep it

1022
00:46:52,600 --> 00:46:54,279
Speaker 3: because I don't want that to happen. But I mean,

1023
00:46:54,280 --> 00:46:57,200
Speaker 3: at the worst case, what if someone see me like

1024
00:46:57,640 --> 00:47:01,040
Speaker 3: yelling at my husband or whatever, maybe taking a nap

1025
00:47:01,080 --> 00:47:03,279
Speaker 3: because for now my office is in my bedroom. But

1026
00:47:03,560 --> 00:47:07,719
Speaker 3: none of that. That is just disgusting. That, yeah, but

1027
00:47:07,760 --> 00:47:10,799
Speaker 3: what are some other zoom like bad virtual haven?

1028
00:47:10,880 --> 00:47:13,440
Speaker 2: Remember that girl who got caught peeing on Zoom by mistake?

1029
00:47:14,040 --> 00:47:16,440
Speaker 1: What she didn't realize it was in the very very

1030
00:47:16,480 --> 00:47:19,120
Speaker 1: very beginning, and so she was like, you know, she

1031
00:47:19,200 --> 00:47:21,239
Speaker 1: was on her computer. You see her like walking, You

1032
00:47:21,239 --> 00:47:23,279
Speaker 1: could tell, you see her reach and she you could

1033
00:47:23,280 --> 00:47:25,279
Speaker 1: tell she thought that she pressed the button because you

1034
00:47:25,320 --> 00:47:27,640
Speaker 1: see her with her laptop, walking, placing it down on

1035
00:47:27,680 --> 00:47:30,080
Speaker 1: the floor in the bathroom, picking down her pants and.

1036
00:47:30,000 --> 00:47:32,120
Speaker 3: Sit in the poor and then she like.

1037
00:47:32,080 --> 00:47:33,840
Speaker 2: Looks over and I guess it was that at that

1038
00:47:33,880 --> 00:47:35,160
Speaker 2: moment she realized.

1039
00:47:36,400 --> 00:47:38,920
Speaker 3: The midstream and she couldn't stop it.

1040
00:47:39,080 --> 00:47:41,160
Speaker 1: Oh, I mean you couldn't see, like you know, you

1041
00:47:41,160 --> 00:47:43,400
Speaker 1: couldn't see anything. You couldn't see like you know, the

1042
00:47:43,440 --> 00:47:45,480
Speaker 1: side of her leg or whatever. But you could tell

1043
00:47:45,640 --> 00:47:48,080
Speaker 1: she was I don't even know how you returned she

1044
00:47:48,320 --> 00:47:50,120
Speaker 1: the way she tumbles off of the.

1045
00:47:52,880 --> 00:47:54,640
Speaker 2: Everyone was like, how did I miss this?

1046
00:47:56,280 --> 00:48:02,360
Speaker 3: Everybody was like, Jenny, Jenny, Jenny, No, because I was like,

1047
00:48:02,400 --> 00:48:04,359
Speaker 3: first of all, I don't know what's worth Jenny peeing

1048
00:48:04,440 --> 00:48:06,000
Speaker 3: on zoom or the fact that.

1049
00:48:05,960 --> 00:48:07,640
Speaker 2: Somebody recorded it and shared it with the world because

1050
00:48:07,680 --> 00:48:08,120
Speaker 2: I saw it.

1051
00:48:08,760 --> 00:48:11,799
Speaker 3: I saw, well, you're right. That was another thing I

1052
00:48:11,800 --> 00:48:14,880
Speaker 3: wanted to point out poor zoom etiquette, Like you know,

1053
00:48:15,680 --> 00:48:18,400
Speaker 3: accidents happened. Someone sent me and it's no shade to

1054
00:48:18,440 --> 00:48:20,040
Speaker 3: this front, but someone sent me a clip, like a

1055
00:48:20,120 --> 00:48:24,000
Speaker 3: viral clip of someone's mother getting dressed with their with

1056
00:48:24,080 --> 00:48:27,960
Speaker 3: her son or nephew or whatever on his school zoom

1057
00:48:28,000 --> 00:48:29,600
Speaker 3: call in the background. So she's in the background in

1058
00:48:29,640 --> 00:48:32,040
Speaker 3: the closet, you know, and you know she had pants

1059
00:48:32,080 --> 00:48:35,200
Speaker 3: on but no top, no bra, and she was caught

1060
00:48:35,280 --> 00:48:37,600
Speaker 3: and they recorded it and then sent it around and

1061
00:48:37,640 --> 00:48:39,680
Speaker 3: it's viral, and I'm like, that poor woman was just

1062
00:48:40,080 --> 00:48:42,279
Speaker 3: that's poor. She was just minding her business. She was

1063
00:48:42,280 --> 00:48:44,520
Speaker 3: probably like trying to go from work, you know, trying

1064
00:48:44,520 --> 00:48:46,680
Speaker 3: to do like get you know, her sons in school.

1065
00:48:46,760 --> 00:48:49,160
Speaker 3: She's just doing you know. I feel so bad for her.

1066
00:48:49,239 --> 00:48:52,000
Speaker 3: So yeah, anyone who's recording that shit and taking advantage

1067
00:48:52,000 --> 00:48:53,440
Speaker 3: of it, you know, you're terrible humans.

1068
00:48:54,239 --> 00:48:56,520
Speaker 1: Nor you really shouldn't because something like that. It's just like,

1069
00:48:56,560 --> 00:48:58,759
Speaker 1: I mean, people kids are home, was just talking about

1070
00:48:58,760 --> 00:48:59,640
Speaker 1: being your normal self.

1071
00:48:59,680 --> 00:49:01,320
Speaker 2: And so yeah, that's.

1072
00:49:01,200 --> 00:49:02,920
Speaker 3: Terrible, very terrible.

1073
00:49:02,960 --> 00:49:08,880
Speaker 1: And my boost is really simple. It's nothing crazy or

1074
00:49:08,920 --> 00:49:11,400
Speaker 1: not my boost. So my break is these damn squirrels.

1075
00:49:11,640 --> 00:49:13,880
Speaker 1: So I thought I was cute. I said, I'm a homeowner.

1076
00:49:13,920 --> 00:49:16,640
Speaker 1: Now you know what, I'm gonna buy some pumpkins for

1077
00:49:16,719 --> 00:49:19,800
Speaker 1: my front yard because you know what, fall, pumpkins fall. Girl,

1078
00:49:20,200 --> 00:49:22,239
Speaker 1: those pumpkins getting the last twenty four hours before my

1079
00:49:23,440 --> 00:49:24,360
Speaker 1: ghetto hood.

1080
00:49:24,480 --> 00:49:26,400
Speaker 2: Squirrels they.

1081
00:49:29,120 --> 00:49:31,560
Speaker 3: Were they jack o lanterns or like full pumpkins.

1082
00:49:31,680 --> 00:49:32,520
Speaker 2: No whole pumpkins.

1083
00:49:32,760 --> 00:49:34,919
Speaker 1: Literally, Superman came back, was like, did you buy them

1084
00:49:34,960 --> 00:49:37,800
Speaker 1: like this? That's how quickly they tore. I was like

1085
00:49:37,840 --> 00:49:40,120
Speaker 1: by them, like what. And even my niece of my nephew,

1086
00:49:40,160 --> 00:49:42,520
Speaker 1: they came to visit. They said, Auntie, you what happened

1087
00:49:42,520 --> 00:49:44,879
Speaker 1: to your pumpkins? I was like, you know what? These

1088
00:49:44,960 --> 00:49:48,040
Speaker 1: damn squirrels. So the squirrels here in Newark. My friend

1089
00:49:48,120 --> 00:49:50,279
Speaker 1: was just asking. He was like, they're very aggressive here.

1090
00:49:50,280 --> 00:49:51,560
Speaker 1: I'm like they are They look at you dead in

1091
00:49:51,600 --> 00:49:53,880
Speaker 1: your face and dare you Like I was literally at

1092
00:49:53,880 --> 00:49:56,000
Speaker 1: the window, knocking out the window, like, get off my pumpkin.

1093
00:49:56,040 --> 00:49:58,879
Speaker 1: The squirrel looks at me like girl made to get

1094
00:49:58,880 --> 00:50:02,920
Speaker 1: a continue to eat like it ain't It ain't real

1095
00:50:03,040 --> 00:50:05,000
Speaker 1: unless you come out here. But and even then I

1096
00:50:05,040 --> 00:50:06,360
Speaker 1: was like, you know what, I don't want it because

1097
00:50:06,400 --> 00:50:09,239
Speaker 1: if he's not scared of this window knocking, that's the

1098
00:50:09,239 --> 00:50:11,399
Speaker 1: type that jumps in the house and scares you in here.

1099
00:50:11,440 --> 00:50:12,960
Speaker 2: So yeah, that was just.

1100
00:50:12,920 --> 00:50:15,799
Speaker 1: My that you can't have anything good with these damn

1101
00:50:15,800 --> 00:50:18,520
Speaker 1: squirrels eating your pumpkins. I was wondering what my neighbor

1102
00:50:18,600 --> 00:50:21,560
Speaker 1: was doing because they had some pumpkins like on on

1103
00:50:21,560 --> 00:50:24,040
Speaker 1: on like these garbage bags and they were like spraying them,

1104
00:50:24,120 --> 00:50:25,279
Speaker 1: and she was she lacking them.

1105
00:50:25,320 --> 00:50:27,120
Speaker 2: She's like I learned my lesson. I was like, ah,

1106
00:50:27,200 --> 00:50:28,920
Speaker 2: next year, next.

1107
00:50:28,880 --> 00:50:32,560
Speaker 3: Lacking your pumpkins, you be the most suburban thing I've

1108
00:50:32,560 --> 00:50:36,560
Speaker 3: ever heard of my entire life. So I was like, oh,

1109
00:50:37,120 --> 00:50:37,960
Speaker 3: these pumpkins.

1110
00:50:38,120 --> 00:50:41,120
Speaker 1: Yeah, she's bought some spray from home depot that basically,

1111
00:50:41,239 --> 00:50:42,759
Speaker 1: like you know, puts like a coating over there. So

1112
00:50:42,800 --> 00:50:45,839
Speaker 1: I said, I'm on pumpkin watch for hers, and if if,

1113
00:50:46,000 --> 00:50:48,279
Speaker 1: if you know, if they live, I'm going to I'm

1114
00:50:48,320 --> 00:50:49,120
Speaker 1: going to invest in that.

1115
00:50:49,160 --> 00:50:49,600
Speaker 2: Next year.

1116
00:50:49,719 --> 00:50:52,160
Speaker 3: You must say, damn, lil tasty pumpkins. My squirrels have

1117
00:50:52,239 --> 00:50:54,080
Speaker 3: not been bothering my stupid Really.

1118
00:50:54,600 --> 00:50:56,239
Speaker 2: No, these girls around here are.

1119
00:50:57,160 --> 00:50:59,360
Speaker 1: I was gonna say they're animals, but they literally are animals,

1120
00:50:59,360 --> 00:51:01,160
Speaker 1: but they're disrespectful animals.

1121
00:51:01,760 --> 00:51:03,760
Speaker 2: So that's my fun little boost, my fun little break.

1122
00:51:03,800 --> 00:51:10,560
Speaker 3: Actually about eat them my bonus. Since we're talking kind

1123
00:51:10,600 --> 00:51:13,520
Speaker 3: of about Halloween, hocus Pocus three or sorry, hocus Pocus

1124
00:51:13,520 --> 00:51:15,960
Speaker 3: to the sequel is like a done is happening. I

1125
00:51:15,960 --> 00:51:18,720
Speaker 3: just thought I would p s a that also sister

1126
00:51:18,800 --> 00:51:21,840
Speaker 3: Act three is happening, So shout out to Our Youth

1127
00:51:22,600 --> 00:51:25,920
Speaker 3: and two sequels that we actually do want and asked for.

1128
00:51:26,520 --> 00:51:29,120
Speaker 1: She I love sister, I love both one and two

1129
00:51:29,120 --> 00:51:31,560
Speaker 1: and Lauren Hill, Oh my gosh, sister I two was everything.

1130
00:51:31,600 --> 00:51:33,200
Speaker 2: I mean, who did not sing those songs?

1131
00:51:33,560 --> 00:51:33,799
Speaker 1: Sister?

1132
00:51:33,840 --> 00:51:35,840
Speaker 3: Direct that I saw that one first, I mean that

1133
00:51:35,960 --> 00:51:38,680
Speaker 3: was the second one. Yeah. I wanted to be one

1134
00:51:38,680 --> 00:51:40,480
Speaker 3: of those kids in that school. I have no talent

1135
00:51:40,920 --> 00:51:43,360
Speaker 3: for dance or song, but I wanted to be like

1136
00:51:43,400 --> 00:51:44,239
Speaker 3: an account.

1137
00:51:44,000 --> 00:51:48,680
Speaker 1: Why joyful joy Oh my goodness, I love it. I

1138
00:51:48,680 --> 00:51:50,640
Speaker 1: just felt like Lauren Hill's mom was so unfair. She

1139
00:51:50,760 --> 00:51:53,000
Speaker 1: just wants to be a singer. Yeah, if you haven't

1140
00:51:53,040 --> 00:51:54,000
Speaker 1: watched it, go ahead and watch.

1141
00:51:54,040 --> 00:51:56,600
Speaker 3: It's amazing and then watch Lizzo is what was it

1142
00:51:56,640 --> 00:52:02,120
Speaker 3: like the VMA performance when she patricks a amazing Okay, jinks?

1143
00:52:02,760 --> 00:52:04,680
Speaker 3: I mean, so, I think it's on Disney Plus so

1144
00:52:04,760 --> 00:52:07,040
Speaker 3: you can go catch up on your sister X. I

1145
00:52:07,080 --> 00:52:09,720
Speaker 3: don't know where hocus Pocus is probably also on Disney Plus.

1146
00:52:09,760 --> 00:52:13,239
Speaker 3: Let's be real, but yeah, I think I think we'll

1147
00:52:13,239 --> 00:52:14,920
Speaker 3: call it a show, Tiff, what do you think?

1148
00:52:15,040 --> 00:52:18,000
Speaker 2: Yes, I agree, it's been a great show as per huge.

1149
00:52:18,000 --> 00:52:21,200
Speaker 3: Per huge, All right, my husband hasn't come knocking because

1150
00:52:21,239 --> 00:52:24,120
Speaker 3: I made meat loaf and potatoes before I came to record,

1151
00:52:24,200 --> 00:52:26,960
Speaker 3: so I think I bought myself some time. He's happy,

1152
00:52:27,840 --> 00:52:31,320
Speaker 3: all right. Well, thank y'all again for sticking with us,

1153
00:52:31,360 --> 00:52:33,360
Speaker 3: and you will see y'all next week.

1154
00:52:33,920 --> 00:52:36,600
Speaker 2: Next week, and follow us on Instagram. We like Instagram.

1155
00:52:36,160 --> 00:52:40,240
Speaker 3: Followers, Yeah, follow us. We're at Branna Vission Podcast. Tiffany

1156
00:52:40,320 --> 00:52:42,399
Speaker 3: is at the Budgetista. If you don't follow her, then

1157
00:52:42,520 --> 00:52:46,640
Speaker 3: I'm shocked already. And you can find me at Mandy Money,

1158
00:52:46,640 --> 00:52:47,560
Speaker 3: Mandy with an Eye.

1159
00:52:47,760 --> 00:52:49,479
Speaker 2: I just will say, Mandy with an eye. Don't forget

1160
00:52:49,480 --> 00:52:49,560
Speaker 2: that

1161
00:52:49,600 --> 00:52:54,439
Speaker 3: Eye man, I money, all right, y'all, see you later