WEBVTT - Ep 239 - Ownership = Wealth

0:00:00.280 --> 0:00:03.400
<v Speaker 1>Mandra, Do you know what I need? I need to

0:00:03.520 --> 0:00:06.120
<v Speaker 1>walk in these streets in my BA swag. You know

0:00:06.160 --> 0:00:08.160
<v Speaker 1>what I'm really looking forward to? First of all, be

0:00:08.240 --> 0:00:12.200
<v Speaker 1>your own Brown Boost. What an awesome phrase. I cannot

0:00:12.200 --> 0:00:14.360
<v Speaker 1>wait to wear that on my chest like Superman. And

0:00:14.400 --> 0:00:16.840
<v Speaker 1>what I'm really excited for, though, is I am a

0:00:17.079 --> 0:00:20.720
<v Speaker 1>sweatshirt and like hoodie girl. So the classic Brown Ambition

0:00:20.840 --> 0:00:23.520
<v Speaker 1>logo sweatshirt has my name all over it.

0:00:23.760 --> 0:00:25.480
<v Speaker 2>But where can I go? Where can I find it?

0:00:25.640 --> 0:00:29.240
<v Speaker 3>I was hoping you would ask Young Tiffany. Tiffany, get

0:00:29.240 --> 0:00:33.480
<v Speaker 3>your Brown Ambition swag at Brown Ambitionstore dot com. Five

0:00:33.560 --> 0:00:36.800
<v Speaker 3>years in the game, we finally have merch for you guys.

0:00:36.880 --> 0:00:40.040
<v Speaker 3>So get your Brown Ambition hoodie, your Brown Ambition crew

0:00:40.080 --> 0:00:43.200
<v Speaker 3>neck tea, get a onesie for your littles. We got

0:00:43.240 --> 0:00:46.920
<v Speaker 3>toddler teas. Oh my goodness, there's something for everyone. Be

0:00:47.000 --> 0:00:49.760
<v Speaker 3>your own Brown Boost T shirt for sure. We have

0:00:49.960 --> 0:00:53.360
<v Speaker 3>a Brown Ambition mug, which my family is most excited about.

0:00:54.240 --> 0:00:56.320
<v Speaker 3>I had to do the fifteen out size for my

0:00:56.360 --> 0:00:59.120
<v Speaker 3>big sister because she drinks coffee Like nobody's business.

0:01:00.000 --> 0:01:01.600
<v Speaker 2>Oh you know, I'm the budget nesh to write any

0:01:01.640 --> 0:01:02.320
<v Speaker 2>special offer.

0:01:03.000 --> 0:01:05.680
<v Speaker 3>I'm also very glad you asked that question, Tiffany. Yes,

0:01:06.240 --> 0:01:10.440
<v Speaker 3>with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

0:01:10.600 --> 0:01:13.520
<v Speaker 3>all one word, you can get fifteen percent off your

0:01:13.600 --> 0:01:15.720
<v Speaker 3>order at Brown ambitionstore dot com.

0:01:16.040 --> 0:01:18.520
<v Speaker 1>I can't wait to see y'all in these BA streets

0:01:18.959 --> 0:01:38.360
<v Speaker 1>repping BA bam with your BA swag. Hey.

0:01:38.880 --> 0:01:46.319
<v Speaker 4>Hey, hey we're back. We're black Capital B. We're Brown

0:01:46.720 --> 0:01:50.480
<v Speaker 4>Capital B as well ambition. Hey man scha ambition.

0:01:51.600 --> 0:01:53.920
<v Speaker 3>Hey, thanks for reminding me. I gotta I did. I

0:01:53.960 --> 0:01:55.880
<v Speaker 3>forgot to put that on a damn T shirt for y'all.

0:01:56.240 --> 0:01:57.640
<v Speaker 3>I'm gonna do it. I'm gonna do.

0:01:57.880 --> 0:01:59.440
<v Speaker 2>Don't forget capital b's all the way.

0:02:00.120 --> 0:02:03.640
<v Speaker 3>Yes, Actually, you know, the Associated Press itself is officially

0:02:03.680 --> 0:02:06.960
<v Speaker 3>capitalizing black, and so are we at our you know,

0:02:07.040 --> 0:02:10.520
<v Speaker 3>our very influential content team at lending Tree, we also

0:02:10.560 --> 0:02:14.160
<v Speaker 3>were capitalizing black. Yeah, times have it changed.

0:02:14.680 --> 0:02:17.760
<v Speaker 1>No, that's good for the for the better. So I

0:02:17.800 --> 0:02:19.520
<v Speaker 1>know it's not time for like brown booths. But I've

0:02:19.520 --> 0:02:21.400
<v Speaker 1>got a little something on my chest. I want to

0:02:21.400 --> 0:02:21.760
<v Speaker 1>get off.

0:02:22.080 --> 0:02:23.120
<v Speaker 3>Okay, go for it.

0:02:23.680 --> 0:02:25.920
<v Speaker 2>So why is it that all these businesses now? I

0:02:25.919 --> 0:02:27.200
<v Speaker 2>guess it's strange.

0:02:27.240 --> 0:02:29.679
<v Speaker 1>So I'm getting you know, so y'all know, I have

0:02:29.720 --> 0:02:32.760
<v Speaker 1>my business, the budget Nissa, and sometimes people will offer like, hey,

0:02:32.800 --> 0:02:35.280
<v Speaker 1>we want you to do like, you know, a keynote

0:02:35.440 --> 0:02:38.840
<v Speaker 1>or a panel or whatever it is, and the type

0:02:38.840 --> 0:02:41.799
<v Speaker 1>of discounts they're wanting because they're like, well.

0:02:41.639 --> 0:02:44.000
<v Speaker 2>It's digital, and I'm like, wasn't this digital last year?

0:02:44.440 --> 0:02:47.760
<v Speaker 1>So people are asking for ridiculous discounts, Like I just

0:02:47.800 --> 0:02:50.760
<v Speaker 1>got an offer to tape like for damn near two days.

0:02:50.840 --> 0:02:53.800
<v Speaker 2>It was so much work and then they were like

0:02:54.120 --> 0:02:55.600
<v Speaker 2>and here's the pittance.

0:02:55.760 --> 0:02:57.400
<v Speaker 1>And I just couldn't believe it was a huge brand

0:02:57.440 --> 0:03:00.000
<v Speaker 1>that has plenty of money, actually had a huge, huge

0:03:00.200 --> 0:03:03.560
<v Speaker 1>brand that just got some five just set aside five

0:03:03.680 --> 0:03:07.080
<v Speaker 1>hundred million dollars for black initiatives, offered me to speak

0:03:07.120 --> 0:03:11.280
<v Speaker 1>for free, and I'm like, wait, a billion dollar company,

0:03:11.520 --> 0:03:14.560
<v Speaker 1>you just set aside money for this initiative. So it's

0:03:14.639 --> 0:03:16.960
<v Speaker 1>just very frustrated. I know it's not time for Brown Boost,

0:03:17.040 --> 0:03:18.760
<v Speaker 1>but I don't know if y'all have seen that in

0:03:18.800 --> 0:03:22.080
<v Speaker 1>these these streets of yours, if you're seeing that people

0:03:22.160 --> 0:03:25.480
<v Speaker 1>are trying to undervalue and undercut even more now and

0:03:25.480 --> 0:03:27.079
<v Speaker 1>blame me it on COVID, And I just want to

0:03:27.120 --> 0:03:28.360
<v Speaker 1>tell you companies to stop it.

0:03:29.240 --> 0:03:31.360
<v Speaker 3>Well, I mean, I actually was going to talk about

0:03:31.360 --> 0:03:35.400
<v Speaker 3>this potentially as a brown break or boost, but it's

0:03:35.480 --> 0:03:37.120
<v Speaker 3>kind of the other side of the coin. And that's

0:03:37.120 --> 0:03:39.080
<v Speaker 3>a really good point that you're making. It's like, how

0:03:39.120 --> 0:03:42.640
<v Speaker 3>do you ask for what you're worth? Even considering COVID times.

0:03:42.960 --> 0:03:47.800
<v Speaker 3>For me, I've negotiated the price of services with professionals

0:03:48.240 --> 0:03:51.080
<v Speaker 3>that I haven't negotiated in the past, and I've had

0:03:51.120 --> 0:03:54.120
<v Speaker 3>to be like, look, I want to pay half of

0:03:54.160 --> 0:03:56.400
<v Speaker 3>what you quoted me. Is that cool? And they both

0:03:56.440 --> 0:03:58.720
<v Speaker 3>said yes, because I mean so it's kind of like

0:03:58.920 --> 0:04:01.440
<v Speaker 3>I'm kind of taking advantage of COVID times to really

0:04:02.360 --> 0:04:03.720
<v Speaker 3>want to negotiate.

0:04:06.240 --> 0:04:06.800
<v Speaker 1>Ticket line.

0:04:06.880 --> 0:04:08.760
<v Speaker 2>Don't quite listen.

0:04:08.800 --> 0:04:11.640
<v Speaker 3>I don't have five hundred million dollars, but I'm also

0:04:11.680 --> 0:04:13.640
<v Speaker 3>not spending seven hundred dollars on some balloons for my

0:04:13.640 --> 0:04:15.920
<v Speaker 3>birthday for my for my son's birthday party. Not I

0:04:15.960 --> 0:04:18.279
<v Speaker 3>ain't have an inra but yeah, if you're in my

0:04:18.520 --> 0:04:20.880
<v Speaker 3>It's funny because the same business that h did the

0:04:20.880 --> 0:04:23.200
<v Speaker 3>balloons from a baby shower, I reached out to them

0:04:23.240 --> 0:04:25.839
<v Speaker 3>for my for for Rio's birthday because I'm trying to

0:04:25.880 --> 0:04:27.800
<v Speaker 3>do something small in the house. I'm just like, can

0:04:27.800 --> 0:04:30.159
<v Speaker 3>we get like an Elmo balloon display or whatever for

0:04:30.200 --> 0:04:32.919
<v Speaker 3>the gram She quoted me seven hundred and I was like,

0:04:33.760 --> 0:04:35.760
<v Speaker 3>let me, let me go get a helium tank real quick.

0:04:36.240 --> 0:04:39.159
<v Speaker 3>And and Google had to make a balloon arch but

0:04:39.240 --> 0:04:41.159
<v Speaker 3>now she cut it down more than half. Uh. And

0:04:41.200 --> 0:04:44.479
<v Speaker 3>then the same thing where I'm I'm hiring the same

0:04:44.880 --> 0:04:48.520
<v Speaker 3>designer who helped with our sourcing items and like doing

0:04:48.520 --> 0:04:50.560
<v Speaker 3>the interior design for our house. She's going to help

0:04:50.600 --> 0:04:53.400
<v Speaker 3>me redo the basement to turn it into my what

0:04:53.400 --> 0:04:55.400
<v Speaker 3>do you call it when it's a girl cave whatever

0:04:55.560 --> 0:04:59.320
<v Speaker 3>she said, but like more than a she shaid a

0:04:59.360 --> 0:05:01.960
<v Speaker 3>she studio. It's going to be or it's going to

0:05:02.000 --> 0:05:04.080
<v Speaker 3>be my office because I don't really have my own space,

0:05:04.440 --> 0:05:06.400
<v Speaker 3>Like all my company knows what my bedroom looks like,

0:05:06.440 --> 0:05:09.640
<v Speaker 3>which is really weird to me and uncomfortable. So I

0:05:09.720 --> 0:05:12.520
<v Speaker 3>returning the basement into like a little workout area and

0:05:12.640 --> 0:05:15.720
<v Speaker 3>it's going to double as an office space and then

0:05:15.760 --> 0:05:17.599
<v Speaker 3>a recording space so I can do the podcast and

0:05:17.640 --> 0:05:19.080
<v Speaker 3>also from a channel.

0:05:19.560 --> 0:05:22.200
<v Speaker 2>I love it, YouTube channel.

0:05:23.320 --> 0:05:25.720
<v Speaker 3>So I mean, I'm happy to support their businesses, which

0:05:25.760 --> 0:05:27.720
<v Speaker 3>I you know, but I'm also which I feel good

0:05:27.720 --> 0:05:29.880
<v Speaker 3>about But I'm also like, if you guys had ever

0:05:29.920 --> 0:05:33.479
<v Speaker 3>a time to negotiate, it is time, you know, because

0:05:33.480 --> 0:05:35.400
<v Speaker 3>people are willing to cut their prices just to get

0:05:35.400 --> 0:05:35.760
<v Speaker 3>a gig.

0:05:36.360 --> 0:05:39.520
<v Speaker 1>I know, but I guess sometimes I know I'm on

0:05:39.520 --> 0:05:41.320
<v Speaker 1>the other side. Well, you know, it's not like you

0:05:41.360 --> 0:05:43.520
<v Speaker 1>are a regular person, so I can understand that. But like,

0:05:43.560 --> 0:05:46.840
<v Speaker 1>you can't be a billion dollar company literally that has

0:05:46.880 --> 0:05:52.320
<v Speaker 1>a Black people Advancement initiative and be like, oh girl, yeah,

0:05:53.160 --> 0:05:56.479
<v Speaker 1>literally there was two and I if I were to

0:05:56.520 --> 0:06:00.280
<v Speaker 1>tell you the names of the companies, You're like, no way, yeah,

0:06:00.520 --> 0:06:03.120
<v Speaker 1>what you have served trillions. I'll just say like that

0:06:04.240 --> 0:06:07.320
<v Speaker 1>according to what you say, come on, now, you don't

0:06:07.360 --> 0:06:08.400
<v Speaker 1>have a speaker's fee.

0:06:08.520 --> 0:06:12.479
<v Speaker 3>I just so you could push back, and what happened, Yeah.

0:06:12.360 --> 0:06:14.520
<v Speaker 1>No, I pushed back, and I just said, hey, cause

0:06:14.839 --> 0:06:16.839
<v Speaker 1>the good thing is I have not only do I

0:06:16.839 --> 0:06:19.279
<v Speaker 1>have my rate, So I use canvas see a NBA.

0:06:19.080 --> 0:06:19.839
<v Speaker 2>Y'all should use it.

0:06:19.839 --> 0:06:21.760
<v Speaker 1>It's free unless you want to get the upgraded version.

0:06:22.120 --> 0:06:25.599
<v Speaker 1>And I create like a like I guess it's like

0:06:25.720 --> 0:06:28.080
<v Speaker 1>kind of like a media speaker kit where it's like

0:06:28.120 --> 0:06:30.640
<v Speaker 1>my picture, my bio, but also my numbers. Like we've

0:06:30.680 --> 0:06:33.240
<v Speaker 1>helped over a million women save this amount of money,

0:06:33.279 --> 0:06:35.719
<v Speaker 1>and my social media hits and how many emails I

0:06:35.760 --> 0:06:39.560
<v Speaker 1>have just to show kind of like in a snapshot holistically,

0:06:40.200 --> 0:06:43.240
<v Speaker 1>you know, the strength of the brand. And then I

0:06:43.320 --> 0:06:45.039
<v Speaker 1>at the end, I'm like, okay, here are my rates.

0:06:45.040 --> 0:06:46.480
<v Speaker 1>You know, this is how much I charge for this,

0:06:46.480 --> 0:06:49.400
<v Speaker 1>this and this, and we submit them so that way

0:06:49.440 --> 0:06:51.240
<v Speaker 1>it's not just like I'm not just saying, hey, pay

0:06:51.279 --> 0:06:53.960
<v Speaker 1>me this. And so at first the company came to

0:06:54.000 --> 0:06:55.520
<v Speaker 1>me and said, hey, we'd love for you to speak it.

0:06:55.560 --> 0:06:57.479
<v Speaker 1>I was excited because I'm like, wow, the names don't

0:06:57.480 --> 0:07:00.040
<v Speaker 1>get bigger than this. And I was like okay, and

0:07:00.120 --> 0:07:02.640
<v Speaker 1>they said, well one, you know, can you send your rates?

0:07:02.640 --> 0:07:04.520
<v Speaker 1>And I said, sure, set my rates and then they

0:07:04.520 --> 0:07:07.080
<v Speaker 1>were like, ooh, actually this is a little higher than expected.

0:07:07.120 --> 0:07:08.640
<v Speaker 1>And I said, okay, well you know, what are your

0:07:08.720 --> 0:07:10.800
<v Speaker 1>rates because maybe there's some wiggar room. And then they

0:07:10.800 --> 0:07:13.440
<v Speaker 1>came back and said, ooh, actually my bad, we don't

0:07:13.480 --> 0:07:14.080
<v Speaker 1>have any money.

0:07:14.560 --> 0:07:20.320
<v Speaker 3>Oh keep me in mind for future opportunities. So yes,

0:07:20.560 --> 0:07:21.960
<v Speaker 3>I'm like, so, how are you gonna ask me for

0:07:22.040 --> 0:07:24.680
<v Speaker 3>my rates? And then say actually, Psych will give you

0:07:24.680 --> 0:07:26.760
<v Speaker 3>our rates. Okay, actually Psych Psych we.

0:07:26.720 --> 0:07:27.600
<v Speaker 2>Don't have any money.

0:07:27.960 --> 0:07:31.440
<v Speaker 1>And you know what's really frustrating is that manby every

0:07:31.520 --> 0:07:34.400
<v Speaker 1>time it happens, it's for their black you know how,

0:07:34.520 --> 0:07:36.080
<v Speaker 1>Like I don't know if you have to set lending tree,

0:07:36.120 --> 0:07:38.320
<v Speaker 1>but like some of these like really big companies have

0:07:38.400 --> 0:07:40.160
<v Speaker 1>like their their black what do they call it, like,

0:07:40.200 --> 0:07:42.000
<v Speaker 1>you know, like almost like they have a black group

0:07:42.040 --> 0:07:42.520
<v Speaker 1>within the.

0:07:43.080 --> 0:07:46.240
<v Speaker 3>It's literally like the Black employee network group or whatever.

0:07:46.840 --> 0:07:48.280
<v Speaker 3>I've been part of my fair share.

0:07:48.560 --> 0:07:51.880
<v Speaker 1>Yeah, so almost I would say ninety percent of the

0:07:51.960 --> 0:07:55.680
<v Speaker 1>time that a huge organization doesn't want to pay it's

0:07:55.680 --> 0:07:57.920
<v Speaker 1>for me to speak to their black employee network, which

0:07:57.920 --> 0:07:59.600
<v Speaker 1>is very disheartening, you know.

0:08:00.400 --> 0:08:00.760
<v Speaker 2>Yeah.

0:08:00.800 --> 0:08:03.520
<v Speaker 1>So if typically if it's like, hey, come speak to everyone,

0:08:03.600 --> 0:08:05.360
<v Speaker 1>it's like, oh, we have some money for you. Oh

0:08:05.400 --> 0:08:08.240
<v Speaker 1>the Black employee network all growing. We don't pay anybody

0:08:08.280 --> 0:08:11.640
<v Speaker 1>for those people. And it's very telling. And so I've

0:08:11.680 --> 0:08:15.160
<v Speaker 1>actually turned down some huge names where maybe before I

0:08:15.160 --> 0:08:17.200
<v Speaker 1>would have done it, you know, just for the exposure.

0:08:17.280 --> 0:08:19.600
<v Speaker 1>But I'm like, you know what doesn't pay bills exposure?

0:08:19.720 --> 0:08:23.200
<v Speaker 3>Exposure, right, because who's going to be watching, who's at

0:08:23.200 --> 0:08:26.400
<v Speaker 3>this company? Who's your audience, you know exactly? So yeah, yeah,

0:08:26.480 --> 0:08:29.400
<v Speaker 3>so it's just very disappointing. Girl. You got to stand

0:08:29.400 --> 0:08:31.520
<v Speaker 3>in your truth and you know what you're worth these days.

0:08:31.760 --> 0:08:33.840
<v Speaker 3>But you're right, I mean when it comes to when

0:08:33.840 --> 0:08:37.280
<v Speaker 3>it comes to it's like the whole appraisal thing with homes,

0:08:37.360 --> 0:08:39.680
<v Speaker 3>right when you find out it's in a black neighborhood

0:08:39.840 --> 0:08:42.840
<v Speaker 3>or you know, has a very diverse community, Often you're

0:08:42.920 --> 0:08:45.680
<v Speaker 3>undervalued and it's almost like you're out of all the

0:08:45.679 --> 0:08:48.080
<v Speaker 3>financial experts and you are unique because there aren't that

0:08:48.120 --> 0:08:52.120
<v Speaker 3>many people at your level women of color, and it's

0:08:52.120 --> 0:08:54.560
<v Speaker 3>sad to see that even even you still have to

0:08:54.600 --> 0:08:57.800
<v Speaker 3>deal with this. But it's only going to change if

0:08:57.880 --> 0:08:59.800
<v Speaker 3>you speak out and keep sharing it and show that

0:08:59.800 --> 0:09:02.439
<v Speaker 3>you're brave enough to you know, kno back down.

0:09:03.160 --> 0:09:07.400
<v Speaker 1>Yeah, yeah, it's important because if you don't, here's the thing,

0:09:07.520 --> 0:09:11.160
<v Speaker 1>and I remember you said this and it stuck with me, Mandy.

0:09:11.200 --> 0:09:12.800
<v Speaker 2>You I think you were answering like.

0:09:12.760 --> 0:09:16.319
<v Speaker 1>A question and you said that basically, if you don't

0:09:16.360 --> 0:09:20.240
<v Speaker 1>negotiate your salary when you first start working, you spent

0:09:20.320 --> 0:09:22.120
<v Speaker 1>basically your whole career trying to catch up.

0:09:22.679 --> 0:09:25.319
<v Speaker 3>Yep, and that always thank you for quoting me back

0:09:25.360 --> 0:09:28.120
<v Speaker 3>to me. This is just making my day. I'm like

0:09:28.200 --> 0:09:29.120
<v Speaker 3>I agree with that.

0:09:29.440 --> 0:09:34.680
<v Speaker 1>Oh I said, nobody was so powerful because even though

0:09:34.720 --> 0:09:36.800
<v Speaker 1>I wasn't, I didn't take the advice as far as

0:09:36.880 --> 0:09:39.679
<v Speaker 1>me like negotiating my salary. But what I did think

0:09:39.679 --> 0:09:43.319
<v Speaker 1>to myself is Mandy's right. Then if I say, hey,

0:09:43.840 --> 0:09:46.360
<v Speaker 1>huge company, you don't have to pay me, word gets

0:09:46.400 --> 0:09:49.160
<v Speaker 1>out and then it's like you're always fighting to regain

0:09:49.200 --> 0:09:49.720
<v Speaker 1>that footing.

0:09:50.080 --> 0:09:50.679
<v Speaker 2>And I get it.

0:09:50.760 --> 0:09:52.600
<v Speaker 1>You know, fifventy ten years ago, who was like, girl,

0:09:52.679 --> 0:09:54.000
<v Speaker 1>I'm sorry, we have no groceries.

0:09:54.320 --> 0:09:55.880
<v Speaker 2>We're doing it for fifty bucks. I would do it

0:09:55.880 --> 0:09:56.800
<v Speaker 2>for fifty bucks. I get it.

0:09:56.840 --> 0:10:00.000
<v Speaker 1>I'm not shading anyone who's first starting and they take less.

0:10:00.200 --> 0:10:04.720
<v Speaker 1>But I challenge you to figure out and not quickly

0:10:04.840 --> 0:10:08.400
<v Speaker 1>learn how to figure out how to make money outside

0:10:08.640 --> 0:10:11.760
<v Speaker 1>of the budget Nissa, until people were willing to pay

0:10:11.760 --> 0:10:13.320
<v Speaker 1>me what I believe I was worth. It took me

0:10:13.320 --> 0:10:15.400
<v Speaker 1>probably like three or four years when I first started

0:10:15.520 --> 0:10:17.480
<v Speaker 1>to finally say, you know what, we're not doing, Tiffany

0:10:17.800 --> 0:10:20.760
<v Speaker 1>all this stuff for free, like I don't mind doing

0:10:21.000 --> 0:10:22.839
<v Speaker 1>to me, Oh, we church wants me to speak for free?

0:10:22.960 --> 0:10:25.280
<v Speaker 2>Got you? Boys and Girls Club? Sis?

0:10:25.360 --> 0:10:28.280
<v Speaker 1>Yes, oh you're not a way got you? But you

0:10:28.280 --> 0:10:30.640
<v Speaker 1>know it's so crazy. It's those organizations that always want

0:10:30.640 --> 0:10:30.920
<v Speaker 1>to pay.

0:10:31.440 --> 0:10:31.640
<v Speaker 2>You know.

0:10:31.720 --> 0:10:33.800
<v Speaker 1>I've had little churches with like ten people say we

0:10:33.800 --> 0:10:36.840
<v Speaker 1>took a love offering Tiffany, and here's some money, you know,

0:10:37.280 --> 0:10:40.120
<v Speaker 1>and so yeah, like I said, it's just and it's

0:10:40.160 --> 0:10:44.920
<v Speaker 1>just frustrating. But it's also important that you understand your worth.

0:10:44.960 --> 0:10:47.640
<v Speaker 1>And I mean not to quote, you know, the illustrious

0:10:47.720 --> 0:10:49.880
<v Speaker 1>Kanye West, but I was just reading.

0:10:50.000 --> 0:10:52.280
<v Speaker 2>Do you do you do?

0:10:52.320 --> 0:10:56.720
<v Speaker 1>You know the styary of Kanye and like his Nike

0:10:56.800 --> 0:10:58.360
<v Speaker 1>deal versus Adidas deal.

0:10:59.440 --> 0:11:01.480
<v Speaker 3>Yeah, something is ringing a bell, but yeah, go for it.

0:11:02.040 --> 0:11:05.920
<v Speaker 1>So like in like in two thousand and seven, he

0:11:06.200 --> 0:11:08.400
<v Speaker 1>I think he met the CEO of Nike and was like, hey,

0:11:08.760 --> 0:11:10.920
<v Speaker 1>you know, I think we should work together. I would

0:11:11.000 --> 0:11:13.400
<v Speaker 1>let's design a shoot together, and Nike was like, bet,

0:11:13.520 --> 0:11:17.360
<v Speaker 1>let's do this. And so he from in two thousand

0:11:17.600 --> 0:11:20.280
<v Speaker 1>like nine, I think like he started like the official

0:11:20.320 --> 0:11:22.520
<v Speaker 1>release of like the Yeezy's, like the Air Yeezys came

0:11:22.520 --> 0:11:25.679
<v Speaker 1>out and it seemed like everything was like going great,

0:11:25.760 --> 0:11:29.560
<v Speaker 1>but he was like Nike, yo, I want like a

0:11:29.600 --> 0:11:32.240
<v Speaker 1>Michael Jordan deal. You know, I want royalties from every

0:11:32.240 --> 0:11:35.960
<v Speaker 1>state from every sale. He said, I want to be like, like,

0:11:35.960 --> 0:11:37.640
<v Speaker 1>like how you did with you know, the air Jordan's

0:11:38.160 --> 0:11:41.679
<v Speaker 1>And Nike was like, yeah, no, but what we can

0:11:41.800 --> 0:11:43.559
<v Speaker 1>do is we could do a small percentage toward a

0:11:43.640 --> 0:11:46.840
<v Speaker 1>charity you first of all, you know, Kanye was like

0:11:46.960 --> 0:11:49.839
<v Speaker 1>the hell and so he said, He's like, no, I

0:11:49.840 --> 0:11:51.440
<v Speaker 1>should be treated like an athlete. I'm going to be

0:11:51.480 --> 0:11:53.680
<v Speaker 1>just as big as Michael Jordan. So what he decided

0:11:53.720 --> 0:11:56.920
<v Speaker 1>and said was he split from Nike in twenty thirteen

0:11:57.080 --> 0:12:01.120
<v Speaker 1>and he started working with Adidas, and he got an

0:12:01.160 --> 0:12:02.280
<v Speaker 1>even better deal.

0:12:03.080 --> 0:12:03.920
<v Speaker 2>With Adidas.

0:12:04.600 --> 0:12:07.840
<v Speaker 1>He gets to retain one hundred percent of the Easy

0:12:07.880 --> 0:12:12.560
<v Speaker 1>brand and instead he has an exclusive distribution deal for

0:12:12.679 --> 0:12:18.920
<v Speaker 1>his Easys And so that's that's like crazy. And so

0:12:19.160 --> 0:12:21.400
<v Speaker 1>as a result of that, in two thousand and nine,

0:12:21.840 --> 0:12:25.600
<v Speaker 1>Easy did it. He sold about one point five billion

0:12:25.640 --> 0:12:28.400
<v Speaker 1>dollars in sales, up fifty percent from the year before.

0:12:29.080 --> 0:12:33.760
<v Speaker 1>And that's about half of what Nike made off Jordan.

0:12:33.880 --> 0:12:36.760
<v Speaker 1>So Easy's made half of what Nike made, Right, But

0:12:37.520 --> 0:12:41.800
<v Speaker 1>guess who got paid more. Kanye got paid about ten

0:12:41.840 --> 0:12:45.600
<v Speaker 1>million dollars more than mj So even though Kanye sold

0:12:45.800 --> 0:12:49.160
<v Speaker 1>less half as many sneakers as Michael Jordan, he got

0:12:49.160 --> 0:12:51.600
<v Speaker 1>paid more than Michael Jordan on his sneakers. And it

0:12:51.640 --> 0:12:54.440
<v Speaker 1>was just a reminder that like, if you're able, because

0:12:54.440 --> 0:12:56.000
<v Speaker 1>it's not always you have to feed kids and you know,

0:12:56.040 --> 0:12:58.400
<v Speaker 1>you gotta you know, you got a you gotta make

0:12:58.440 --> 0:13:00.679
<v Speaker 1>sure that you are okay. But they're time a time

0:13:00.760 --> 0:13:03.240
<v Speaker 1>when you have to stand up for yourself and say

0:13:03.280 --> 0:13:05.280
<v Speaker 1>I am worth more, I bring more to the table

0:13:05.400 --> 0:13:07.440
<v Speaker 1>and I'm going to hold out for someone who is

0:13:07.480 --> 0:13:08.440
<v Speaker 1>going to recognize that.

0:13:08.480 --> 0:13:09.560
<v Speaker 2>And so can you imagine?

0:13:09.559 --> 0:13:11.320
<v Speaker 1>So I think Kanye got paid one hundred and forty

0:13:11.360 --> 0:13:14.360
<v Speaker 1>million dollars from Adidas last year. Now, like I said,

0:13:14.400 --> 0:13:18.480
<v Speaker 1>that's ten million more than MJ. Meanwhile selling over a

0:13:18.600 --> 0:13:20.280
<v Speaker 1>billion dollars less than MJ.

0:13:20.559 --> 0:13:21.520
<v Speaker 2>That's insane.

0:13:21.559 --> 0:13:23.199
<v Speaker 1>So it was just like, you know, Kanye West is

0:13:23.200 --> 0:13:25.240
<v Speaker 1>not always my favorite person, but when it came to that,

0:13:25.280 --> 0:13:26.760
<v Speaker 1>it just like kind of put a battery in my

0:13:26.840 --> 0:13:31.920
<v Speaker 1>back that we need to understand that ownership is wealth.

0:13:30.720 --> 0:13:35.080
<v Speaker 3>Oh I would remember, I'm put that on the shirt that.

0:13:35.120 --> 0:13:36.880
<v Speaker 2>Right, who good one?

0:13:38.559 --> 0:13:42.120
<v Speaker 3>Because well, another example a whole different kind of entertainer.

0:13:42.120 --> 0:13:45.280
<v Speaker 3>I actually watched the Dolly Parton documentary on Netflix this

0:13:45.320 --> 0:13:48.360
<v Speaker 3>weekend because Dolly Parton's like the one thing people can

0:13:48.440 --> 0:13:51.360
<v Speaker 3>agree on. And you know, I Will Always Love You,

0:13:51.520 --> 0:13:54.200
<v Speaker 3>which was performed and made famous by Whitney Houston. Dolly

0:13:54.240 --> 0:13:57.320
<v Speaker 3>Parton wrote that track like in the sixties or seventies

0:13:57.400 --> 0:14:00.680
<v Speaker 3>or something, and at a certain point Elvis apparently wanted

0:14:00.720 --> 0:14:04.640
<v Speaker 3>to record the song, but they wanted like a very

0:14:04.679 --> 0:14:08.040
<v Speaker 3>big share of or they wanted like a credit that

0:14:08.080 --> 0:14:12.000
<v Speaker 3>would have prevented her from recouping like profit from the song.

0:14:12.760 --> 0:14:15.040
<v Speaker 3>And you know, ay, and even back then it was

0:14:15.080 --> 0:14:16.800
<v Speaker 3>before streaming, but like when you heard the song on

0:14:16.840 --> 0:14:19.520
<v Speaker 3>the radio, the producers and songwriters get a cut of that.

0:14:19.640 --> 0:14:23.040
<v Speaker 3>So anyway, Dolly was like Elvis was for her a

0:14:23.160 --> 0:14:25.360
<v Speaker 3>huge star and she turned him down and she was like,

0:14:25.440 --> 0:14:27.240
<v Speaker 3>let me hold on to this. And it wasn't until

0:14:27.240 --> 0:14:30.280
<v Speaker 3>like twenty something years later when Whitney recorded it and

0:14:30.280 --> 0:14:32.640
<v Speaker 3>made it super famous, and she's like that record made

0:14:32.720 --> 0:14:35.600
<v Speaker 3>me was like the key to everything. And it was

0:14:35.640 --> 0:14:39.000
<v Speaker 3>because she stood her ground. Little baby Dolly Parton. She's

0:14:39.080 --> 0:14:40.280
<v Speaker 3>a badass business woman.

0:14:40.360 --> 0:14:41.960
<v Speaker 2>She is a bad I want to watch it that.

0:14:42.040 --> 0:14:43.960
<v Speaker 2>I love a good documentary.

0:14:43.400 --> 0:14:45.640
<v Speaker 3>She and it shortened to the point and you know,

0:14:45.800 --> 0:14:48.600
<v Speaker 3>I mean Dolly and Dolly is just I mean I

0:14:48.640 --> 0:14:51.480
<v Speaker 3>haven't really thought about Dolly, but she is. You have

0:14:51.560 --> 0:14:54.040
<v Speaker 3>got to respect the woman from where she came to

0:14:54.080 --> 0:14:56.360
<v Speaker 3>where to the empire she has made. I mean from

0:14:56.360 --> 0:14:58.400
<v Speaker 3>she has a freaking theme park named after herself.

0:14:58.400 --> 0:15:00.680
<v Speaker 2>I know Dolly's World, isn't it.

0:15:00.200 --> 0:15:03.560
<v Speaker 3>Dolly's Yeah, Dolly Land or I don't know now I

0:15:03.600 --> 0:15:07.680
<v Speaker 3>forgot Dolly something. Okay, Yeah, So mad respect to her,

0:15:07.720 --> 0:15:09.800
<v Speaker 3>and it's the same story. It's about that ownership. It's

0:15:09.800 --> 0:15:14.160
<v Speaker 3>like having the wherewithal to, yeah, to read the fine

0:15:14.160 --> 0:15:16.400
<v Speaker 3>print and stand up for what you think you deserve.

0:15:16.560 --> 0:15:19.000
<v Speaker 3>And it's easier so than done. So I have I

0:15:19.000 --> 0:15:21.360
<v Speaker 3>have so much respect for her and for yes, for ye,

0:15:21.560 --> 0:15:25.240
<v Speaker 3>for Kanye. The man does not lack ego, that's for sure.

0:15:25.760 --> 0:15:26.000
<v Speaker 2>Yes.

0:15:26.080 --> 0:15:28.080
<v Speaker 1>I mean you know, even a broken clock is right

0:15:28.120 --> 0:15:31.560
<v Speaker 1>twice a day. So yeah, hey, how is your birthday?

0:15:32.040 --> 0:15:34.760
<v Speaker 1>Honestly it was amazing, Superman, And this is what I

0:15:34.800 --> 0:15:36.720
<v Speaker 1>tell I'm going to tell you all you men's out

0:15:36.760 --> 0:15:38.880
<v Speaker 1>there who are not good at planning stuff, because Superman

0:15:39.000 --> 0:15:41.240
<v Speaker 1>is not tacked to plan, He's attacked to be like, Babe,

0:15:41.440 --> 0:15:44.200
<v Speaker 1>I want to surprise you, but I don't know where

0:15:44.320 --> 0:15:45.400
<v Speaker 1>spots and stuff are.

0:15:45.520 --> 0:15:47.800
<v Speaker 2>So here's my card and just book it. I'm like,

0:15:47.840 --> 0:15:50.240
<v Speaker 2>that's not I know.

0:15:50.600 --> 0:15:52.720
<v Speaker 1>So I told him this time. I was like, honestly,

0:15:53.360 --> 0:15:56.200
<v Speaker 1>it's been a very hectic couple of weeks. I want

0:15:56.240 --> 0:15:58.000
<v Speaker 1>to have something special for my birthday, but I do

0:15:58.080 --> 0:15:59.440
<v Speaker 1>not want to participate in the planning.

0:15:59.440 --> 0:16:02.280
<v Speaker 2>He looked at me like, wait, well, and so.

0:16:02.440 --> 0:16:04.800
<v Speaker 1>Instead he actually reached out to baby Lisa, shout out

0:16:04.800 --> 0:16:06.720
<v Speaker 1>to you, baby Lisa, who's not a baby, she's thirty one,

0:16:06.720 --> 0:16:09.720
<v Speaker 1>but she's my little sister, the youngest of the five

0:16:09.760 --> 0:16:13.160
<v Speaker 1>of us. And Lisa hooked my guy up. When I

0:16:13.200 --> 0:16:16.280
<v Speaker 1>tell you, she made a typed out itinerary was text

0:16:16.280 --> 0:16:18.560
<v Speaker 1>messaging him, you guys have ten minutes to get to dinner.

0:16:18.760 --> 0:16:21.040
<v Speaker 1>Don't forget about the SPA appointment. So we went to

0:16:21.080 --> 0:16:24.960
<v Speaker 1>Equinox Hotel in New York City. So we all know

0:16:25.040 --> 0:16:26.600
<v Speaker 1>kind of Equinox for the gym, but they have this

0:16:26.720 --> 0:16:27.480
<v Speaker 1>amazing hotel.

0:16:27.920 --> 0:16:29.800
<v Speaker 3>About to say, what, I've never heard if they had

0:16:29.800 --> 0:16:30.280
<v Speaker 3>a hotel.

0:16:30.640 --> 0:16:33.080
<v Speaker 1>Yes, well it's it's you know, Hudson Yards. Is that

0:16:33.200 --> 0:16:37.240
<v Speaker 1>new like beautiful billionaire's row in the city. So it's

0:16:37.280 --> 0:16:40.560
<v Speaker 1>five star. But I was like, one thing. I was like,

0:16:40.600 --> 0:16:42.720
<v Speaker 1>I was like, we gotta preserve these coins. So I

0:16:42.760 --> 0:16:45.680
<v Speaker 1>have so many points on my credit card because you know,

0:16:45.720 --> 0:16:48.600
<v Speaker 1>I haven't been able to use them. So I told Lisa, like,

0:16:48.640 --> 0:16:50.600
<v Speaker 1>you know, and I told Superman, I'm like, no, just

0:16:50.680 --> 0:16:51.360
<v Speaker 1>use the points.

0:16:51.120 --> 0:16:52.880
<v Speaker 2>In our car. Are you crazy? Who's paying out of

0:16:52.880 --> 0:16:54.280
<v Speaker 2>pocket for like the hotel?

0:16:54.760 --> 0:16:57.880
<v Speaker 1>And so the hotel has a spa, it had restaurants,

0:16:57.880 --> 0:16:59.160
<v Speaker 1>so we were able to do a lot of those

0:16:59.200 --> 0:17:02.200
<v Speaker 1>things there. So first night we got there, Lisa found

0:17:02.200 --> 0:17:05.520
<v Speaker 1>a really amazing steakhouse in Harlem for us to eat.

0:17:05.840 --> 0:17:08.520
<v Speaker 1>So we drove and actually traffic wasn't bad from Jersey.

0:17:08.560 --> 0:17:10.560
<v Speaker 1>It was like thirty five minutes we ate got to

0:17:10.600 --> 0:17:15.480
<v Speaker 1>the hotel. It was so gorgeous. We had this amazing

0:17:15.640 --> 0:17:18.080
<v Speaker 1>view of the water. Honestly, I felt like I was like,

0:17:18.119 --> 0:17:20.000
<v Speaker 1>this is how Beyonce feels. I'm like, no, girl, Beyonce's

0:17:20.040 --> 0:17:23.320
<v Speaker 1>in the penhouse. Either way, it felt like ow Beyonce

0:17:23.400 --> 0:17:26.800
<v Speaker 1>felt maybe twenty years ago. But it was amazing. We

0:17:26.840 --> 0:17:29.040
<v Speaker 1>walked in, he had like they had already put up

0:17:29.040 --> 0:17:29.960
<v Speaker 1>the roses in the candle.

0:17:29.960 --> 0:17:31.199
<v Speaker 2>I'm like, how did they know we were coming in?

0:17:31.280 --> 0:17:34.200
<v Speaker 1>He was like ah, And so it was just honestly,

0:17:34.320 --> 0:17:36.439
<v Speaker 1>even my chocolate chip cookies, which I love. I was like,

0:17:36.480 --> 0:17:38.959
<v Speaker 1>they have fresh, big, talkative cookies they have waiting for you.

0:17:39.600 --> 0:17:41.960
<v Speaker 2>It was honestly awesome. I will say that, so you

0:17:41.960 --> 0:17:44.200
<v Speaker 2>deserve that was It just was great.

0:17:44.240 --> 0:17:45.560
<v Speaker 1>And like I said, we had the spot treatment the

0:17:45.560 --> 0:17:47.320
<v Speaker 1>next day and then we went on one of those rickshaws,

0:17:47.320 --> 0:17:50.240
<v Speaker 1>like you know the bicycle people through Central Park. In

0:17:50.320 --> 0:17:54.320
<v Speaker 1>our shout out to Vitali. He was hilarious, funny, kind

0:17:54.359 --> 0:17:56.880
<v Speaker 1>and so knowledgeable about the city. And like I said,

0:17:56.920 --> 0:17:58.359
<v Speaker 1>it was just an amazing weekend. I didn't do a

0:17:58.440 --> 0:18:01.800
<v Speaker 1>lick up work, which I love, and yeah, it was

0:18:01.840 --> 0:18:04.000
<v Speaker 1>a good time. But if there's anything I would say

0:18:04.000 --> 0:18:06.879
<v Speaker 1>takeaway is I'm not y'all know, I'm not huge. Me

0:18:06.920 --> 0:18:08.320
<v Speaker 1>and man are not huge on debt, and I'm not

0:18:08.400 --> 0:18:11.280
<v Speaker 1>huge on credit cards. But when I tell you, American Express,

0:18:11.320 --> 0:18:13.120
<v Speaker 1>they don't pay me anything. I don't have any partnership

0:18:13.119 --> 0:18:15.840
<v Speaker 1>with them. But girl, So that was the points that

0:18:15.880 --> 0:18:18.760
<v Speaker 1>I use from my American Express card because my business

0:18:18.760 --> 0:18:20.679
<v Speaker 1>partner and I Jabro we split the points because we

0:18:20.720 --> 0:18:23.399
<v Speaker 1>have so many, and so we use the points from

0:18:23.400 --> 0:18:26.399
<v Speaker 1>the card. And I didn't realize that when you use

0:18:26.440 --> 0:18:28.920
<v Speaker 1>your American Express card. They're like, oh, breakfast in the

0:18:29.000 --> 0:18:30.960
<v Speaker 1>room is on us. I was like why, They're like

0:18:30.960 --> 0:18:33.440
<v Speaker 1>you use your American Express. Oh you got an extra

0:18:33.520 --> 0:18:36.840
<v Speaker 1>hundred dollars like credit for like whatever, you know whatever,

0:18:37.000 --> 0:18:38.800
<v Speaker 1>like the mini bar or whatever. I was like, what

0:18:38.840 --> 0:18:39.159
<v Speaker 1>it was?

0:18:39.480 --> 0:18:41.720
<v Speaker 2>There were so many perks outside of.

0:18:41.680 --> 0:18:42.919
<v Speaker 3>Like the mini bar for free.

0:18:43.040 --> 0:18:45.000
<v Speaker 2>Can you imagine? You know, you should have seen us

0:18:45.000 --> 0:18:45.280
<v Speaker 2>in there.

0:18:45.320 --> 0:18:47.320
<v Speaker 1>He and I are such like cheap boats, and I

0:18:47.359 --> 0:18:49.080
<v Speaker 1>was like, you think how much you think the water costs?

0:18:49.359 --> 0:18:49.680
<v Speaker 2>How much?

0:18:52.280 --> 0:18:53.800
<v Speaker 1>We were at it every and then it was so

0:18:53.800 --> 0:18:55.560
<v Speaker 1>funny because before we were leaving, he was like, Babe,

0:18:55.560 --> 0:18:56.600
<v Speaker 1>we got five more dollars.

0:18:56.720 --> 0:18:57.040
<v Speaker 2>We can't.

0:18:57.080 --> 0:18:59.200
<v Speaker 1>We can't leave five thousand people. Go ahead and grab

0:18:59.200 --> 0:18:59.840
<v Speaker 1>the gummy beers.

0:19:00.880 --> 0:19:03.440
<v Speaker 3>No, I've seen you in Yahoo's free kitchen. I've seen

0:19:03.480 --> 0:19:03.840
<v Speaker 3>you there.

0:19:04.480 --> 0:19:06.240
<v Speaker 2>Yeah.

0:19:06.359 --> 0:19:08.840
<v Speaker 1>I used to love Tavy and Yahoo's, oh Yahoo, just

0:19:08.840 --> 0:19:11.080
<v Speaker 1>because I'm like, ooh, I get my kind bars.

0:19:11.720 --> 0:19:12.800
<v Speaker 2>So yeah, it was just awesome.

0:19:12.840 --> 0:19:15.960
<v Speaker 1>But like I like, I never, I've never I've never

0:19:16.119 --> 0:19:18.520
<v Speaker 1>utilized American Expressing that way before, and I just didn't

0:19:18.560 --> 0:19:22.040
<v Speaker 1>realize what, you know, just how much they catered service

0:19:22.119 --> 0:19:23.800
<v Speaker 1>to you. So it just was really nice. And like

0:19:23.800 --> 0:19:26.480
<v Speaker 1>I said, the hotel was amazing.

0:19:26.760 --> 0:19:27.200
<v Speaker 2>I mean.

0:19:28.560 --> 0:19:30.600
<v Speaker 1>A ten out of ten. Honestly, it was just amazing.

0:19:30.640 --> 0:19:32.880
<v Speaker 1>And it's just so centrally located, so you.

0:19:32.840 --> 0:19:35.000
<v Speaker 3>Got to travel Like I'm kind of just jealous of

0:19:35.000 --> 0:19:37.320
<v Speaker 3>the experience of just going somewhere with your boo and

0:19:37.440 --> 0:19:39.720
<v Speaker 3>just like you even did like touristy stuff like the

0:19:39.720 --> 0:19:42.159
<v Speaker 3>little rickshaw whatever bicycle.

0:19:42.240 --> 0:19:43.800
<v Speaker 2>Wow. Yeah, I don't know what they call it. I just.

0:19:45.440 --> 0:19:47.600
<v Speaker 3>I'm so self conscious. I'd be like, are you okay?

0:19:47.800 --> 0:19:51.000
<v Speaker 3>Do you want me to suck at it in? Like,

0:19:51.040 --> 0:19:53.919
<v Speaker 3>how can I make this a lighter load? No, but

0:19:53.960 --> 0:19:56.120
<v Speaker 3>that sounds so sweet and so romantic, and you know what,

0:19:56.359 --> 0:19:58.639
<v Speaker 3>shout out to your sister, Lisa, because that was a

0:19:58.640 --> 0:20:02.360
<v Speaker 3>real solid move. The guy. I mean, I'm just kind

0:20:02.359 --> 0:20:05.280
<v Speaker 3>of I've guys just need help. So if you have

0:20:05.320 --> 0:20:07.960
<v Speaker 3>a friend or a sibling who you know is close

0:20:08.000 --> 0:20:10.719
<v Speaker 3>with your significant other, I say, go all the way,

0:20:10.760 --> 0:20:13.600
<v Speaker 3>just say hey, can you help him or her or

0:20:13.640 --> 0:20:17.920
<v Speaker 3>whoever it is? Just just help them for my own benefit. Yeah, yes,

0:20:19.160 --> 0:20:22.040
<v Speaker 3>But husband and I decided to start something called bay

0:20:22.080 --> 0:20:27.320
<v Speaker 3>day by day. Well, I kind of hate the expression

0:20:27.440 --> 0:20:29.960
<v Speaker 3>date night, and it hasn't really worked for us. The

0:20:30.000 --> 0:20:32.480
<v Speaker 3>idea that we'd have a date night once a week

0:20:32.560 --> 0:20:35.600
<v Speaker 3>or whatever, and especially in COVID times plus having the baby,

0:20:36.000 --> 0:20:38.160
<v Speaker 3>I'm like, what a night where I can't I don't

0:20:38.160 --> 0:20:40.080
<v Speaker 3>have to be at home. I'm still nursing and all

0:20:40.119 --> 0:20:42.320
<v Speaker 3>that kind of stuff. So I was like, let's you know,

0:20:42.359 --> 0:20:45.280
<v Speaker 3>and it's led to like disappointments, so that's what I'll say.

0:20:45.720 --> 0:20:47.760
<v Speaker 3>And I said, Okay, how about instead we just name

0:20:47.840 --> 0:20:50.480
<v Speaker 3>one day on like a Saturday or Sunday, like Bay Day,

0:20:50.520 --> 0:20:52.760
<v Speaker 3>and we each do something nice for one another during

0:20:52.760 --> 0:20:54.960
<v Speaker 3>the day, like a day kind of date or whatever.

0:20:55.160 --> 0:20:57.800
<v Speaker 3>So we're going to try it out starting next weekend.

0:20:58.240 --> 0:21:00.440
<v Speaker 3>I just want to feel special. I just want to

0:21:00.480 --> 0:21:05.440
<v Speaker 3>feel like there's something because it's the weekends can be monotonous,

0:21:05.520 --> 0:21:08.800
<v Speaker 3>and also, you know, it is it's been a really

0:21:08.840 --> 0:21:11.560
<v Speaker 3>freaking long time since we've had time to like be

0:21:11.880 --> 0:21:15.320
<v Speaker 3>a couple who thinks about one another, you know, So

0:21:15.600 --> 0:21:17.320
<v Speaker 3>we're gonna try it out. Baby yay.

0:21:17.880 --> 0:21:18.480
<v Speaker 2>I love that.

0:21:18.520 --> 0:21:21.040
<v Speaker 1>It's important honestly to just kind of because I you know,

0:21:21.160 --> 0:21:23.680
<v Speaker 1>I work a lot, and so it was just nice

0:21:23.720 --> 0:21:27.280
<v Speaker 1>to just be like, hey, cause you know, right now

0:21:27.280 --> 0:21:29.280
<v Speaker 1>Superman is home because he had like the foot surgery.

0:21:29.359 --> 0:21:32.679
<v Speaker 1>So even though we're home all day together, it's I

0:21:32.680 --> 0:21:34.720
<v Speaker 1>don't want to get to see him and just hang

0:21:34.760 --> 0:21:38.320
<v Speaker 1>out and just and not do anything other than just talk,

0:21:38.440 --> 0:21:40.000
<v Speaker 1>you know, usually like in the morning we do and

0:21:40.000 --> 0:21:41.840
<v Speaker 1>then right before we go to sleep. But like, it

0:21:41.920 --> 0:21:43.920
<v Speaker 1>was nice that all day it was just like, hey,

0:21:43.920 --> 0:21:45.600
<v Speaker 1>how you, how are you? Oh my gosh, what's your

0:21:45.600 --> 0:21:46.320
<v Speaker 1>favorite color again?

0:21:46.359 --> 0:21:46.520
<v Speaker 5>Oh?

0:21:46.600 --> 0:21:46.879
<v Speaker 2>Blue?

0:21:46.920 --> 0:21:50.240
<v Speaker 1>I forgot, you know. So it was really really really nice,

0:21:50.280 --> 0:21:51.680
<v Speaker 1>I have to say. And I was really happy, and

0:21:51.720 --> 0:21:53.359
<v Speaker 1>I was proud of him. I could say he was,

0:21:53.920 --> 0:21:56.320
<v Speaker 1>but nobody's more proud of him than himself. Okay, because

0:21:56.320 --> 0:21:58.840
<v Speaker 1>he was like, I did I heard about the phone? Yeah, man,

0:21:58.920 --> 0:22:02.040
<v Speaker 1>I did it so good. I was like, that has

0:22:02.040 --> 0:22:04.439
<v Speaker 1>to come for me. You are doing the most right now.

0:22:05.240 --> 0:22:06.560
<v Speaker 2>But he did do a really good job.

0:22:06.960 --> 0:22:08.960
<v Speaker 3>Give him this little pat on the back, Give this

0:22:09.080 --> 0:22:11.600
<v Speaker 3>a little and before do you feel the pending doom

0:22:11.720 --> 0:22:15.000
<v Speaker 3>of like the winter time I'm feeling I'm starting to

0:22:15.000 --> 0:22:17.640
<v Speaker 3>feel like, let me get my last social distance outdoor

0:22:17.680 --> 0:22:20.159
<v Speaker 3>hangouts and before we got to close up for the

0:22:20.200 --> 0:22:23.040
<v Speaker 3>winter and go back inside our caves. Are you feeling

0:22:23.080 --> 0:22:23.720
<v Speaker 3>anything like that?

0:22:24.160 --> 0:22:24.680
<v Speaker 2>Not yet?

0:22:24.960 --> 0:22:26.680
<v Speaker 1>Only because I have a fire pit in the backyard,

0:22:26.680 --> 0:22:28.320
<v Speaker 1>so we gonna see how long that like lets me

0:22:28.400 --> 0:22:32.000
<v Speaker 1>stretch out, and so we'll see. I have like a

0:22:32.200 --> 0:22:34.040
<v Speaker 1>like a group of friends. There's like three of us

0:22:34.400 --> 0:22:37.200
<v Speaker 1>that like hang out. They'll come here, Like my friend

0:22:37.240 --> 0:22:39.760
<v Speaker 1>Rihanna lives around a corner, my sister lives down the street,

0:22:39.880 --> 0:22:42.800
<v Speaker 1>and then Linda doesn't live far I need to disc Cobra.

0:22:42.960 --> 0:22:46.440
<v Speaker 1>So we've been like, you know, kind of like hanging out.

0:22:46.520 --> 0:22:49.280
<v Speaker 1>Like we'll just rotate houses so it doesn't feel as bad.

0:22:49.320 --> 0:22:51.879
<v Speaker 1>And plus two, you know, I always work from home,

0:22:52.280 --> 0:22:54.760
<v Speaker 1>so it doesn't feel too crazy.

0:22:54.800 --> 0:22:55.880
<v Speaker 2>And I'm not gonna lie I am.

0:22:56.080 --> 0:22:59.480
<v Speaker 1>People think like I guess because I'm pretty, I seem

0:22:59.560 --> 0:23:00.600
<v Speaker 1>like I'm so we're outgoing.

0:23:00.680 --> 0:23:00.960
<v Speaker 2>I'm not.

0:23:01.520 --> 0:23:04.080
<v Speaker 1>I'm just more silly and fun. But I'm actually pretty shy.

0:23:04.240 --> 0:23:06.200
<v Speaker 1>So I love me a good. I'm just gonna be home.

0:23:07.000 --> 0:23:09.720
<v Speaker 3>Yeah, this whole virtual lifestyle is great for me. I

0:23:09.760 --> 0:23:11.320
<v Speaker 3>went to a happy hour at three thirty. I never

0:23:11.359 --> 0:23:12.840
<v Speaker 3>would have gone to in real life if it had

0:23:12.840 --> 0:23:14.719
<v Speaker 3>been at a bar. I'm like, y'a, I'll do your

0:23:14.720 --> 0:23:17.280
<v Speaker 3>little I'll do a happy hour quote unquote, you know,

0:23:17.400 --> 0:23:19.600
<v Speaker 3>talk to some people. It's so much better I don't

0:23:19.640 --> 0:23:22.800
<v Speaker 3>have to like leave, there's no commute, there's no like

0:23:23.119 --> 0:23:24.480
<v Speaker 3>I bet you're like me where you go to a

0:23:24.520 --> 0:23:26.280
<v Speaker 3>function and afterwhard you come home and you're like so

0:23:26.359 --> 0:23:30.240
<v Speaker 3>depleted from all the like for socialization and networking or

0:23:30.280 --> 0:23:32.879
<v Speaker 3>whatever that is. My I can roll into bed if

0:23:32.920 --> 0:23:36.480
<v Speaker 3>I want to or whatever. It's nice. Yeah, well we've

0:23:36.520 --> 0:23:38.679
<v Speaker 3>got a busy We've got a very busy fall. We

0:23:38.720 --> 0:23:42.240
<v Speaker 3>have this two week period where it's like Thanksgiving. Rio's

0:23:42.240 --> 0:23:44.840
<v Speaker 3>first birthday is Thanksgiving Day. This year it falls on Thanksgiving.

0:23:44.920 --> 0:23:48.480
<v Speaker 2>Oh really, I'm not having birthday right.

0:23:48.880 --> 0:23:51.640
<v Speaker 3>Little Turkey Turkey and then my and then we're trying

0:23:51.680 --> 0:23:56.280
<v Speaker 3>to squeeze into baptism in between Thanksgiving and my husband's

0:23:56.320 --> 0:23:59.320
<v Speaker 3>brother's wedding, which is and I really thank them for this.

0:23:59.359 --> 0:24:02.439
<v Speaker 3>It's black tie optional, so that means your girl is

0:24:02.480 --> 0:24:04.000
<v Speaker 3>gonna get a ball down.

0:24:04.800 --> 0:24:05.880
<v Speaker 2>It's nice.

0:24:06.240 --> 0:24:08.440
<v Speaker 3>I'm really excited. I want to like get my hair done,

0:24:08.440 --> 0:24:11.000
<v Speaker 3>and I'm already kind of bullying slash just you know,

0:24:11.600 --> 0:24:14.160
<v Speaker 3>just gently nudging one of our cousins to like get

0:24:14.160 --> 0:24:15.680
<v Speaker 3>her hair done with me, and let's make a day

0:24:15.680 --> 0:24:17.479
<v Speaker 3>of it. And we're gonna stay at this nice hotel

0:24:17.600 --> 0:24:20.240
<v Speaker 3>or the wedding is gonna be so I'm looking forward

0:24:20.280 --> 0:24:22.800
<v Speaker 3>to that, but it's gonna be quite a two week span.

0:24:22.840 --> 0:24:24.879
<v Speaker 3>And then I feel like, okay, I'm gonna put you

0:24:24.920 --> 0:24:27.800
<v Speaker 3>know the clothes sign on our house and just be like, Okay, goodbye.

0:24:28.119 --> 0:24:32.400
<v Speaker 3>That's it. See y'all in March. Hibernating hibernating. Yeah, yeah,

0:24:32.440 --> 0:24:33.920
<v Speaker 3>something to look forward to for sure.

0:24:34.200 --> 0:24:37.560
<v Speaker 2>Okay, well, is it time for my favorite part of

0:24:37.560 --> 0:24:38.600
<v Speaker 2>the show, I.

0:24:38.640 --> 0:24:40.920
<v Speaker 3>Believe, So let's take a quick break and we will

0:24:40.960 --> 0:24:42.880
<v Speaker 3>be right back with y'all's question.

0:24:43.080 --> 0:25:19.920
<v Speaker 5>Question, and we're back for the FABE part of the show.

0:25:20.000 --> 0:25:20.879
<v Speaker 5>Question Doll's question.

0:25:20.920 --> 0:25:23.160
<v Speaker 2>Don't do we have any questions?

0:25:23.240 --> 0:25:23.440
<v Speaker 1>Man?

0:25:23.720 --> 0:25:25.760
<v Speaker 3>Oh, well do we do?

0:25:25.960 --> 0:25:26.040
<v Speaker 4>We?

0:25:26.160 --> 0:25:29.159
<v Speaker 3>Ever? This is this is look, this is definitely our

0:25:29.160 --> 0:25:32.400
<v Speaker 3>fa one of our favorite parts of the show, and honestly,

0:25:32.440 --> 0:25:34.359
<v Speaker 3>I wanted to give you all an update. So a

0:25:34.359 --> 0:25:36.000
<v Speaker 3>couple of weeks back, we got a question from a

0:25:36.040 --> 0:25:39.480
<v Speaker 3>listener that really hit hit us in our heart strings.

0:25:39.680 --> 0:25:42.680
<v Speaker 3>She was a single mother, really struggling, had some debt,

0:25:42.800 --> 0:25:45.800
<v Speaker 3>had some savings, and was pretty much questioning whether or

0:25:45.840 --> 0:25:48.119
<v Speaker 3>not she should pull all the money out of her

0:25:48.160 --> 0:25:50.800
<v Speaker 3>four one K in order to pay off her debt.

0:25:50.920 --> 0:25:53.679
<v Speaker 3>And get on the right track. And you know, Tiffany

0:25:53.680 --> 0:25:55.720
<v Speaker 3>and I talked at the time about like I was

0:25:55.760 --> 0:25:57.480
<v Speaker 3>raised by a single mom, and I kind of shared

0:25:57.480 --> 0:26:00.600
<v Speaker 3>how when my mom got to force from my father

0:26:00.640 --> 0:26:02.639
<v Speaker 3>and separated, and she had four kids, like under the

0:26:02.680 --> 0:26:04.639
<v Speaker 3>age of I don't know how thirteen or fifteen or

0:26:04.640 --> 0:26:07.360
<v Speaker 3>something like that, but a bunch of kids and one

0:26:07.480 --> 0:26:10.600
<v Speaker 3>very small income. And so when we got that question,

0:26:10.880 --> 0:26:13.320
<v Speaker 3>I think, you know, my advice was really the only

0:26:13.320 --> 0:26:15.320
<v Speaker 3>way that we survived that period in our times was

0:26:15.320 --> 0:26:17.840
<v Speaker 3>because my mom asked for help from her siblings, from

0:26:17.840 --> 0:26:20.399
<v Speaker 3>my aunts and uncles, and we lived with my uncle,

0:26:20.600 --> 0:26:22.879
<v Speaker 3>like and A kicked him out of his bedroom. He

0:26:22.880 --> 0:26:24.960
<v Speaker 3>slept on the couch, and my mom and my sister

0:26:24.960 --> 0:26:27.080
<v Speaker 3>and I crammed into his bedroom and my little brother

0:26:27.119 --> 0:26:29.240
<v Speaker 3>and my older brother slept in another bedroom. And we

0:26:29.320 --> 0:26:31.240
<v Speaker 3>lived there for a while, and then we moved into

0:26:31.240 --> 0:26:34.600
<v Speaker 3>my uncle's rental for a while. My mom's coworkers got

0:26:34.680 --> 0:26:37.560
<v Speaker 3>us Christmas gifts that year. It was tough. Anyway, one

0:26:37.560 --> 0:26:39.320
<v Speaker 3>of our listeners reached out, and I thought this was

0:26:39.359 --> 0:26:41.720
<v Speaker 3>so sweet. She offered to she wanted to see if

0:26:41.720 --> 0:26:43.520
<v Speaker 3>we could connect her to that listener, so that she

0:26:43.560 --> 0:26:46.600
<v Speaker 3>could send her like a grocery store gift card or something.

0:26:46.680 --> 0:26:49.520
<v Speaker 3>So just shout out to that listener and thank y'all

0:26:49.520 --> 0:26:53.280
<v Speaker 3>for feeling like you can share these intimate stories. Yes,

0:26:53.480 --> 0:26:54.840
<v Speaker 3>and you're stress with us.

0:26:55.040 --> 0:26:55.359
<v Speaker 2>Mandy.

0:26:55.400 --> 0:26:58.760
<v Speaker 1>Your advice was so because you know, sometimes we could

0:26:58.760 --> 0:27:00.720
<v Speaker 1>get lost in the financial advice send it for it

0:27:00.760 --> 0:27:02.600
<v Speaker 1>to be super technical, like well, you know you want

0:27:02.600 --> 0:27:04.080
<v Speaker 1>to refinance your loan and you want to talk to

0:27:04.240 --> 0:27:06.879
<v Speaker 1>da da da da, and you want to defer and forbearance,

0:27:06.960 --> 0:27:12.040
<v Speaker 1>and you know, your advice was so empathetic and spot on,

0:27:12.200 --> 0:27:14.600
<v Speaker 1>Like it just really warmed my soul that that a

0:27:14.640 --> 0:27:18.680
<v Speaker 1>listener can ask a question and they could get advice,

0:27:19.119 --> 0:27:20.920
<v Speaker 1>but from a place of like heart and soul. It

0:27:21.040 --> 0:27:23.200
<v Speaker 1>just honestly, I just as I was listening to you share,

0:27:23.240 --> 0:27:25.600
<v Speaker 1>I was just like, wow, this is exactly what this

0:27:25.720 --> 0:27:28.760
<v Speaker 1>show is about. Yes, we certainly get to the you

0:27:28.800 --> 0:27:31.919
<v Speaker 1>know X y Z, you know P plus L equals this,

0:27:32.000 --> 0:27:35.119
<v Speaker 1>but we also get to the this is how my

0:27:35.280 --> 0:27:39.080
<v Speaker 1>life is flavoring, you know, the advice that I'm giving you,

0:27:39.200 --> 0:27:40.640
<v Speaker 1>and so I don't know it just I just wanted

0:27:40.640 --> 0:27:42.160
<v Speaker 1>to tell you that it just really warmed my heart

0:27:42.160 --> 0:27:44.080
<v Speaker 1>and soul and just it was just awesome advice that

0:27:44.119 --> 0:27:46.679
<v Speaker 1>you gave her during our last episode.

0:27:47.400 --> 0:27:50.439
<v Speaker 3>Well thanks and thanks to her for you know, sharing that.

0:27:51.040 --> 0:27:53.199
<v Speaker 3>And it almost was like her question and of itself

0:27:53.280 --> 0:27:55.600
<v Speaker 3>was asking for help, which was a you know, it

0:27:55.600 --> 0:27:57.399
<v Speaker 3>takes bravery. So thank you for sharing, and thank you

0:27:57.440 --> 0:27:59.480
<v Speaker 3>to that listener. I'm going to connect y'all. Finally got

0:27:59.520 --> 0:28:03.720
<v Speaker 3>the email, so thank y'all. But let's get into this

0:28:03.840 --> 0:28:07.240
<v Speaker 3>week's question. Your favorite Tiffany real estate question. Lots of

0:28:07.280 --> 0:28:09.359
<v Speaker 3>real estate questions. It does feel like the hot the

0:28:10.000 --> 0:28:12.680
<v Speaker 3>housing market if you're in the right location, is pretty

0:28:12.840 --> 0:28:15.720
<v Speaker 3>hot these days as people are looking to move out

0:28:15.720 --> 0:28:17.720
<v Speaker 3>of cities and get to the burbs since no one's

0:28:17.720 --> 0:28:20.800
<v Speaker 3>going any damn ware all right. This question comes from

0:28:20.840 --> 0:28:23.720
<v Speaker 3>listener named Natalie. She says, I'm shopping for a home

0:28:23.760 --> 0:28:26.800
<v Speaker 3>in a very competitive market. I'm trying to decide if

0:28:26.840 --> 0:28:29.480
<v Speaker 3>I should embark on a renovation project or stick to

0:28:29.520 --> 0:28:32.880
<v Speaker 3>the turnkey homes. I remember Tiffany renovated her home from

0:28:32.880 --> 0:28:35.720
<v Speaker 3>top to bottom. Mandy, did you have renau projects in

0:28:35.760 --> 0:28:38.000
<v Speaker 3>your home too? I want to know how did you

0:28:38.040 --> 0:28:40.280
<v Speaker 3>find a good team that doesn't try to take advantage

0:28:40.280 --> 0:28:42.920
<v Speaker 3>of you? And that also does a great job. I've

0:28:42.920 --> 0:28:45.520
<v Speaker 3>heard the horror stories of renaults getting out of control

0:28:45.560 --> 0:28:48.680
<v Speaker 3>and costing way more than budgeted. Any tips you have

0:28:48.760 --> 0:28:50.760
<v Speaker 3>would be great, thank you, and I love the show.

0:28:51.760 --> 0:28:52.560
<v Speaker 3>So Natalie wa.

0:28:53.320 --> 0:28:57.160
<v Speaker 2>She wants she wants to either reno or buy a home, so.

0:28:57.160 --> 0:29:00.160
<v Speaker 3>It's a very competitive market. So she's like, should I

0:29:00.240 --> 0:29:04.720
<v Speaker 3>try to go for a fixer upper basically, which would

0:29:04.760 --> 0:29:07.400
<v Speaker 3>open up her options? If she's looking for a turnkey home,

0:29:07.720 --> 0:29:09.680
<v Speaker 3>like a home that's ready to move in, you know,

0:29:09.760 --> 0:29:12.920
<v Speaker 3>doesn't need any doesn't mean any fixing up, it would

0:29:12.920 --> 0:29:15.600
<v Speaker 3>limit her options in this community market. So yeah, I

0:29:15.680 --> 0:29:17.720
<v Speaker 3>was in the they we're both in the same boat.

0:29:18.960 --> 0:29:20.760
<v Speaker 1>I couldn't find a turnkey because it was just one

0:29:20.760 --> 0:29:24.320
<v Speaker 1>too expensive. And I'm not gonna lie right now. To me,

0:29:24.480 --> 0:29:29.120
<v Speaker 1>the housing market is a bit inflated because the supply

0:29:29.280 --> 0:29:31.440
<v Speaker 1>is low, but the demand is high, so homes are

0:29:31.480 --> 0:29:33.560
<v Speaker 1>going for way more than they would have gone for

0:29:33.760 --> 0:29:35.840
<v Speaker 1>just a month ago. Like the people across the street.

0:29:36.080 --> 0:29:37.800
<v Speaker 1>My face, Oh man, they didn't tell you. My fans

0:29:37.800 --> 0:29:38.680
<v Speaker 1>are selling their house.

0:29:39.240 --> 0:29:44.400
<v Speaker 3>Your faves. Who are the faves? Wait? The guy, the guy, yes,

0:29:45.560 --> 0:29:46.160
<v Speaker 3>neighbor Keith.

0:29:46.560 --> 0:29:48.800
<v Speaker 1>Yeah, So Neighbory Keith is selling his house and it went.

0:29:49.280 --> 0:29:52.000
<v Speaker 1>It went literally in three days, for like way more

0:29:52.040 --> 0:29:53.680
<v Speaker 1>than they probably would have went for just a month

0:29:53.720 --> 0:29:57.720
<v Speaker 1>ago their home. And that's because the market that we're in.

0:29:57.800 --> 0:30:00.720
<v Speaker 1>So I would I would actually caution folks against buying

0:30:00.760 --> 0:30:02.320
<v Speaker 1>turnkey in a market like now.

0:30:02.920 --> 0:30:04.440
<v Speaker 2>But I'm not gonna lie.

0:30:04.520 --> 0:30:08.560
<v Speaker 1>I mean, I was fortunate in that, not so much

0:30:08.600 --> 0:30:11.120
<v Speaker 1>that my contractor was so great, but I had a

0:30:11.160 --> 0:30:14.440
<v Speaker 1>really great project manager that leaned on him, and that

0:30:14.440 --> 0:30:17.400
<v Speaker 1>that was Rihanna and her husband. She was my designer

0:30:18.000 --> 0:30:21.800
<v Speaker 1>remain home r E h Main m A I N home.

0:30:22.080 --> 0:30:25.520
<v Speaker 1>That's what they are on on on ig but they were.

0:30:26.040 --> 0:30:28.680
<v Speaker 1>They were my project management team. She designed, He is

0:30:28.720 --> 0:30:32.120
<v Speaker 1>a he's a carpenter by trade, but an engineer and

0:30:32.160 --> 0:30:35.520
<v Speaker 1>so he they If it wasn't for them, the house

0:30:35.520 --> 0:30:37.080
<v Speaker 1>would not have turned out the way it did because

0:30:37.080 --> 0:30:39.200
<v Speaker 1>my contractor certainly was trying to cut corners.

0:30:39.560 --> 0:30:42.000
<v Speaker 2>So that's what I would say, is.

0:30:41.960 --> 0:30:45.520
<v Speaker 1>That, knowing what I know now, I would have started

0:30:45.520 --> 0:30:48.440
<v Speaker 1>with a project manager that can help me vet a

0:30:48.480 --> 0:30:52.240
<v Speaker 1>really good contractor, because there are some things that I

0:30:52.240 --> 0:30:54.120
<v Speaker 1>would have missed had it not been for them.

0:30:54.360 --> 0:30:56.000
<v Speaker 2>I know you're you're, you're.

0:30:55.880 --> 0:30:57.480
<v Speaker 1>You had like a you didn't you didn't have a

0:30:57.480 --> 0:30:59.640
<v Speaker 1>project manager, right Mandy.

0:30:59.480 --> 0:31:01.520
<v Speaker 3>Well, yeah, yeah, so we want more traditional. I mean,

0:31:01.560 --> 0:31:04.640
<v Speaker 3>I guess we found our contractor first, and we interviewed three.

0:31:04.720 --> 0:31:07.200
<v Speaker 3>We found him by going, I mean my husband. Really

0:31:07.240 --> 0:31:09.239
<v Speaker 3>he was our project manasurre in that sense, like he

0:31:09.320 --> 0:31:12.360
<v Speaker 3>interviewed people that he found on Home Advisor or Angie's

0:31:12.400 --> 0:31:15.760
<v Speaker 3>List good reviews, and then interviewed them and our and

0:31:15.760 --> 0:31:18.400
<v Speaker 3>we looked for things I was especially looking for, not

0:31:18.440 --> 0:31:23.000
<v Speaker 3>necessarily the lowest price, but the best, the most communicative,

0:31:23.360 --> 0:31:25.440
<v Speaker 3>because you're about to go on a like a multi

0:31:25.480 --> 0:31:28.320
<v Speaker 3>month you know project, no matter what they say, it's

0:31:28.320 --> 0:31:30.720
<v Speaker 3>going to be months, and you want someone who will

0:31:30.760 --> 0:31:33.480
<v Speaker 3>like answer your email and so your texts show up

0:31:33.480 --> 0:31:35.959
<v Speaker 3>on time. And the guy we ended up going with

0:31:36.120 --> 0:31:38.280
<v Speaker 3>was ultimately he showed up on time. He was the

0:31:38.280 --> 0:31:40.600
<v Speaker 3>first to respond to our email you know, about the job.

0:31:40.960 --> 0:31:44.080
<v Speaker 3>He was very like professional and communicative, and he was

0:31:44.080 --> 0:31:46.440
<v Speaker 3>in the mid range as far as the cost went.

0:31:46.920 --> 0:31:50.760
<v Speaker 3>And we also worked with an interior designer separately, and

0:31:50.840 --> 0:31:54.000
<v Speaker 3>I like, so Tiffany, like your interior designers. They recommended

0:31:54.000 --> 0:31:55.600
<v Speaker 3>your contractor, Is that right?

0:31:55.640 --> 0:31:59.040
<v Speaker 1>No, so no, no, I actually found my contract of first, okay,

0:31:59.120 --> 0:32:01.520
<v Speaker 1>but then we found the tier designer like right after that.

0:32:01.640 --> 0:32:04.240
<v Speaker 1>So right as I was like deciding, like there was

0:32:04.280 --> 0:32:06.120
<v Speaker 1>like three or four contract I was just kind of deciding,

0:32:06.160 --> 0:32:09.200
<v Speaker 1>and then we found the project manager and he was like, wait, wait, wait,

0:32:09.600 --> 0:32:11.680
<v Speaker 1>let me help you decide between the few that you're

0:32:11.680 --> 0:32:14.000
<v Speaker 1>looking at, and so they helped mm.

0:32:13.920 --> 0:32:17.920
<v Speaker 3>Hmm, gotcha. Yeah. I think if you start with like

0:32:17.960 --> 0:32:20.520
<v Speaker 3>an interior designer, which which sounds it is not just

0:32:20.560 --> 0:32:23.040
<v Speaker 3>about drapes, Okay. It's not like someone coming to pick

0:32:23.040 --> 0:32:25.200
<v Speaker 3>out what color your rug is going to be. For us,

0:32:25.200 --> 0:32:29.360
<v Speaker 3>it was about Okay, what size kitchen counter can we

0:32:29.400 --> 0:32:32.440
<v Speaker 3>fit in here? What size desk should we get?

0:32:32.480 --> 0:32:32.560
<v Speaker 5>That?

0:32:32.640 --> 0:32:35.880
<v Speaker 3>Stuff that takes like she was so valuable in helping

0:32:35.920 --> 0:32:39.000
<v Speaker 3>me just like reassess my own like help me understand

0:32:39.040 --> 0:32:40.720
<v Speaker 3>what could fit and what we actually could do with

0:32:40.760 --> 0:32:43.840
<v Speaker 3>the space to maximize it. So honestly, if you find

0:32:43.880 --> 0:32:47.360
<v Speaker 3>someone like that first, they probably have worked for worked

0:32:47.360 --> 0:32:50.680
<v Speaker 3>with a bunch of contractors or other people that they

0:32:50.720 --> 0:32:52.680
<v Speaker 3>know in the business and can recommend someone and that

0:32:52.720 --> 0:32:55.160
<v Speaker 3>could be a good source of referrals. We had a

0:32:55.200 --> 0:32:58.120
<v Speaker 3>bit of like it wasn't that bad. But our contractor

0:32:58.160 --> 0:33:00.520
<v Speaker 3>was kind of an afflement alpha male, and he didn't

0:33:00.560 --> 0:33:06.880
<v Speaker 3>love so much my really adorable, petite Russian blonde Julie.

0:33:06.920 --> 0:33:09.600
<v Speaker 3>I loved Julia, She's amazing. Didn't love how kind of

0:33:09.600 --> 0:33:11.680
<v Speaker 3>pushy she was, but I did. I loved how pushy

0:33:11.720 --> 0:33:15.520
<v Speaker 3>she was. Yeah, and you know, wouldn't respond to her sometimes,

0:33:15.560 --> 0:33:17.400
<v Speaker 3>and I had to, like, you know, smooth things over.

0:33:17.520 --> 0:33:20.680
<v Speaker 3>But I think I got, you know, overall, really lucky.

0:33:20.960 --> 0:33:25.400
<v Speaker 3>And honestly, it's tough to people. It's very it's scary

0:33:25.440 --> 0:33:27.360
<v Speaker 3>because if you're going to be spending and we spent

0:33:27.520 --> 0:33:30.040
<v Speaker 3>you know a lot of uh, we spent a lot

0:33:30.040 --> 0:33:32.800
<v Speaker 3>of cash on our remodel. What made me feel comfortable

0:33:32.800 --> 0:33:34.880
<v Speaker 3>about it was the way that he structured the contract

0:33:34.880 --> 0:33:38.720
<v Speaker 3>where it was split up into certain payments after a

0:33:38.800 --> 0:33:39.680
<v Speaker 3>job was completed.

0:33:40.080 --> 0:33:40.280
<v Speaker 2>Yep.

0:33:40.640 --> 0:33:43.200
<v Speaker 3>So you know it's like the kitchen or the demos

0:33:43.360 --> 0:33:47.360
<v Speaker 3>or yeah, demo's done, here's a payment. Kitchens, floors are installed,

0:33:47.400 --> 0:33:50.200
<v Speaker 3>here's a payment. You know, the big bathroom like, you know,

0:33:50.280 --> 0:33:53.040
<v Speaker 3>big things like that. So I felt comfortable and that

0:33:53.120 --> 0:33:55.560
<v Speaker 3>was all lined out in the contract, and then you

0:33:55.720 --> 0:33:59.120
<v Speaker 3>just cross your fingers and pray pray that and make

0:33:59.160 --> 0:34:01.200
<v Speaker 3>sure they get their the permits right. If you have

0:34:01.240 --> 0:34:03.680
<v Speaker 3>someone who's trying to talk to you about oh, our cousins.

0:34:03.720 --> 0:34:05.600
<v Speaker 3>They listened to the show. I don't put their business

0:34:05.600 --> 0:34:08.000
<v Speaker 3>out there, but they they were going to remodel their

0:34:08.280 --> 0:34:10.840
<v Speaker 3>their backyard this summer and they found a really great

0:34:11.080 --> 0:34:13.399
<v Speaker 3>guy who had a great portfolio. And it was during

0:34:13.400 --> 0:34:15.120
<v Speaker 3>the pandemic and this guy was going to do it

0:34:15.160 --> 0:34:17.359
<v Speaker 3>for real cheap, and he was like, Oh, you don't

0:34:17.360 --> 0:34:19.879
<v Speaker 3>need a permit for your backyard whatever. I Meanwhile, they're

0:34:19.920 --> 0:34:22.680
<v Speaker 3>like taking down like part of this retaining mall and

0:34:22.680 --> 0:34:25.000
<v Speaker 3>all this stuff, and one of their neighbors like reported

0:34:25.000 --> 0:34:28.319
<v Speaker 3>them apparently, and they now have for months now have

0:34:28.400 --> 0:34:31.719
<v Speaker 3>had just like half their yard, you know, demoed and

0:34:31.960 --> 0:34:35.319
<v Speaker 3>this big ass dump dumpster in their driveway taking up

0:34:35.360 --> 0:34:40.879
<v Speaker 3>all the space. So get your PaperWorks and dot your

0:34:40.880 --> 0:34:42.960
<v Speaker 3>eyes and cross your t's and all that stuff.

0:34:43.920 --> 0:34:46.640
<v Speaker 1>No, absolutely, and yeah, you just you want to get

0:34:46.640 --> 0:34:49.719
<v Speaker 1>someone who to Mandy's point, it's well one you One

0:34:49.760 --> 0:34:51.680
<v Speaker 1>of the things I learned from Jermaine, from you know,

0:34:52.239 --> 0:34:55.120
<v Speaker 1>my my project manager, is that we set aside about

0:34:55.120 --> 0:34:58.680
<v Speaker 1>twenty five percent extra because things happen that are not

0:34:58.760 --> 0:34:59.960
<v Speaker 1>the contractors.

0:34:59.400 --> 0:35:01.880
<v Speaker 2>Fault, like for example, they were like digging up. They're like, uh,

0:35:02.120 --> 0:35:03.480
<v Speaker 2>there's a hole here, you know.

0:35:04.000 --> 0:35:07.040
<v Speaker 1>So you set aside twenty to thirty percent honestly kind

0:35:07.040 --> 0:35:09.359
<v Speaker 1>of like extra and it's it's always going to take

0:35:09.480 --> 0:35:11.759
<v Speaker 1>longer and it's always going to for the most part,

0:35:11.800 --> 0:35:14.320
<v Speaker 1>going to be more. But if you have a good

0:35:15.120 --> 0:35:17.680
<v Speaker 1>designer project manager, they can really help navigate. So we

0:35:19.080 --> 0:35:22.360
<v Speaker 1>my husband and I Superman and I bought a second

0:35:22.360 --> 0:35:25.239
<v Speaker 1>property totally tear down, well not really a tear down,

0:35:25.280 --> 0:35:27.720
<v Speaker 1>but it was a beat. It was ten thousand dollars,

0:35:27.719 --> 0:35:29.919
<v Speaker 1>so it tells you just how bad, what bad shape

0:35:29.960 --> 0:35:33.880
<v Speaker 1>it was in. So Jermaine again served as our project manager,

0:35:34.040 --> 0:35:36.560
<v Speaker 1>and we are last time I checked, I think we're

0:35:36.600 --> 0:35:41.239
<v Speaker 1>thirty thousand dollars under budget. So but that's also because

0:35:41.280 --> 0:35:43.160
<v Speaker 1>of a lot of the COVID things. Because to your point, man,

0:35:43.280 --> 0:35:44.640
<v Speaker 1>a lot of people are like, oh, I need work.

0:35:44.719 --> 0:35:46.759
<v Speaker 1>So I know that gave you that bid before, but

0:35:46.800 --> 0:35:50.520
<v Speaker 1>I can do better. But you're wanting. You're wanting. That's

0:35:50.560 --> 0:35:53.520
<v Speaker 1>what a good project manager or designer and things will

0:35:53.520 --> 0:35:57.080
<v Speaker 1>help you with is to manage all like the bigger

0:35:58.040 --> 0:36:01.040
<v Speaker 1>aspect of your home because it's not just oh, I like,

0:36:01.120 --> 0:36:02.879
<v Speaker 1>you know, I want hardwood floor, it's like, well, how's

0:36:02.920 --> 0:36:05.200
<v Speaker 1>that going to go with the door? And how is

0:36:05.239 --> 0:36:07.000
<v Speaker 1>the layout of the house. Does it make sense for

0:36:07.040 --> 0:36:10.919
<v Speaker 1>the kitchen door to be here rather than here? And yeah,

0:36:11.000 --> 0:36:14.600
<v Speaker 1>and I mean it's it's it's it's funish it can

0:36:14.680 --> 0:36:16.320
<v Speaker 1>be when it's not being super stressful.

0:36:17.080 --> 0:36:20.440
<v Speaker 3>Yeah, I mean you definitely want to, like you wanna

0:36:20.840 --> 0:36:23.000
<v Speaker 3>if you and it doesn't really cost anything for a

0:36:23.000 --> 0:36:24.799
<v Speaker 3>contractor to come and give you a quote, so if

0:36:24.840 --> 0:36:27.560
<v Speaker 3>you even and the thing is like in a competitive market,

0:36:27.600 --> 0:36:29.840
<v Speaker 3>you have to like put in the offer really quickly,

0:36:30.320 --> 0:36:32.000
<v Speaker 3>but try to get ahead of it. Try to have

0:36:32.040 --> 0:36:34.680
<v Speaker 3>someone like a contractor who can maybe take a look

0:36:34.680 --> 0:36:36.640
<v Speaker 3>at the property and you tell them what you or

0:36:36.760 --> 0:36:38.000
<v Speaker 3>even just tell them what you want to do and

0:36:38.040 --> 0:36:39.520
<v Speaker 3>they can give you a rough estimate so that you

0:36:39.520 --> 0:36:41.480
<v Speaker 3>can see, is this more than you're willing to spend,

0:36:41.960 --> 0:36:44.839
<v Speaker 3>you know, to put into the house, And then you know,

0:36:45.200 --> 0:36:48.360
<v Speaker 3>try and uh, yeah, get get lots of wine if

0:36:48.400 --> 0:36:50.800
<v Speaker 3>you're a drinker, and just keep that you know, on standby,

0:36:51.600 --> 0:36:55.160
<v Speaker 3>and yeah, get and just adjust your expectations like and

0:36:55.680 --> 0:36:58.360
<v Speaker 3>on top of setting aside twenty five percent. I would say,

0:36:58.600 --> 0:37:01.200
<v Speaker 3>increase whatever quote they get you for the timeline by

0:37:01.239 --> 0:37:04.960
<v Speaker 3>like a month, two months. Why not set your expectations

0:37:05.040 --> 0:37:09.120
<v Speaker 3>very low. It ain't like AHGTV where you walk in

0:37:09.160 --> 0:37:12.320
<v Speaker 3>and they're like, here's your house. I still have people

0:37:12.320 --> 0:37:14.920
<v Speaker 3>coming in to like do this in that like months,

0:37:14.960 --> 0:37:17.040
<v Speaker 3>like into February, and it was supposed to be done

0:37:17.040 --> 0:37:20.640
<v Speaker 3>in December. So countertops get delayed, all kinds of fun stuff.

0:37:20.640 --> 0:37:22.839
<v Speaker 1>Oh yes, yes, yeah, Like literally they're like, oh, there's

0:37:22.840 --> 0:37:24.000
<v Speaker 1>a tariff on your shelves.

0:37:24.000 --> 0:37:25.000
<v Speaker 2>I'm like, wait, what does that mean?

0:37:25.520 --> 0:37:28.600
<v Speaker 1>So yeah, but like all in all, you know, if

0:37:28.600 --> 0:37:30.680
<v Speaker 1>you've got a good team around you, you end up

0:37:30.680 --> 0:37:33.279
<v Speaker 1>with something beautiful and then you get something that's really

0:37:33.280 --> 0:37:34.320
<v Speaker 1>suited to your style.

0:37:34.480 --> 0:37:37.480
<v Speaker 3>So if you're looking in Westchester, there's some really nice

0:37:37.520 --> 0:37:39.960
<v Speaker 3>fixer uppers. I mean not nice, but they could be

0:37:40.040 --> 0:37:42.200
<v Speaker 3>nice if you fix them up in our area. So

0:37:42.719 --> 0:37:45.880
<v Speaker 3>come on down. I'm excited because I feel like our

0:37:45.880 --> 0:37:48.360
<v Speaker 3>neighborhood's like a diamond in the rough and people investing

0:37:48.400 --> 0:37:54.319
<v Speaker 3>and buying homes. Now I'm like, yay, go all right,

0:37:54.360 --> 0:37:56.600
<v Speaker 3>let's take let's pueeze in another quick question. We spent

0:37:56.760 --> 0:37:58.480
<v Speaker 3>a lot of time on that one because we had

0:37:58.560 --> 0:38:00.719
<v Speaker 3>lost to say. But thank you again, Natalie with an

0:38:00.920 --> 0:38:04.080
<v Speaker 3>H for your question. I appreciate that. All right, our

0:38:04.120 --> 0:38:06.600
<v Speaker 3>next question, all right, this one comes from someone who

0:38:06.680 --> 0:38:09.240
<v Speaker 3>would like to remain anonymous, and that is perfectly fine.

0:38:09.520 --> 0:38:11.360
<v Speaker 3>They have a question about a five to two nine,

0:38:11.520 --> 0:38:13.840
<v Speaker 3>So they say, I have a question about getting a

0:38:13.880 --> 0:38:16.200
<v Speaker 3>five two nine started for my two month old granddaughter.

0:38:16.640 --> 0:38:18.359
<v Speaker 3>Is it a good way to say for college for her?

0:38:18.440 --> 0:38:20.440
<v Speaker 3>What are your thoughts? By the way, I love the

0:38:20.440 --> 0:38:24.120
<v Speaker 3>podcast listen every week. Oh and I bought Happy Birthday

0:38:24.120 --> 0:38:28.680
<v Speaker 3>Molly Moore for my granddaughter. Yay Molly Moore.

0:38:28.719 --> 0:38:30.440
<v Speaker 2>Wait a little about Molly Moore dot com. M A

0:38:30.600 --> 0:38:31.520
<v Speaker 2>L I M L R E.

0:38:34.000 --> 0:38:34.040
<v Speaker 3>No.

0:38:34.200 --> 0:38:37.160
<v Speaker 2>I love that. Here's the thing.

0:38:37.200 --> 0:38:38.799
<v Speaker 1>And I don't know how you stand on five two

0:38:38.920 --> 0:38:41.279
<v Speaker 1>nine plans. I'm not gonna lie management it's not my fave.

0:38:42.280 --> 0:38:44.640
<v Speaker 1>What I do like about five to nine plans, you know,

0:38:45.480 --> 0:38:48.680
<v Speaker 1>is that you know there are tax benefits right to

0:38:48.680 --> 0:38:51.320
<v Speaker 1>your five two nine plan. But what I don't work

0:38:52.040 --> 0:38:55.839
<v Speaker 1>is that I don't want to set aside money for

0:38:56.120 --> 0:38:59.600
<v Speaker 1>a thing that might not happen. I instead, like I

0:38:59.640 --> 0:39:01.960
<v Speaker 1>have like my nieces and my nephews, I have custodial

0:39:02.000 --> 0:39:05.120
<v Speaker 1>accounts for them, which is just basically account where I'm

0:39:05.120 --> 0:39:08.239
<v Speaker 1>investing money for their future. And I can, you know,

0:39:08.360 --> 0:39:10.080
<v Speaker 1>kind of hand it over to their mom, their dad

0:39:10.160 --> 0:39:13.040
<v Speaker 1>or whoever whenever, or them whenever I want to. And

0:39:13.040 --> 0:39:15.120
<v Speaker 1>and in my mind, I'm like, oh, this is for college.

0:39:15.160 --> 0:39:18.600
<v Speaker 1>But what if Roman decides that he know is going

0:39:18.680 --> 0:39:20.640
<v Speaker 1>to start his own business. What if Lily says, you

0:39:20.640 --> 0:39:22.440
<v Speaker 1>know what, I you know, I don't want to go

0:39:22.480 --> 0:39:25.120
<v Speaker 1>to college. You know, I'm I'm a stay at home mom.

0:39:25.239 --> 0:39:26.960
<v Speaker 1>You know what if Amelia is like, I want to

0:39:27.000 --> 0:39:28.680
<v Speaker 1>take over the world. That's what she's working on now

0:39:28.719 --> 0:39:32.719
<v Speaker 1>at three, you know, And so I didn't I So

0:39:32.840 --> 0:39:36.320
<v Speaker 1>I with five two nine plans, really you're you're supposed

0:39:36.320 --> 0:39:38.920
<v Speaker 1>to use them for education, and if you don't, there

0:39:38.960 --> 0:39:43.120
<v Speaker 1>are some financial ramifications that I just I don't like,

0:39:43.800 --> 0:39:45.719
<v Speaker 1>even though they've they've brought in how you can use

0:39:45.719 --> 0:39:47.840
<v Speaker 1>it for education, because I from what I understand now,

0:39:47.880 --> 0:39:49.640
<v Speaker 1>you can even use it now, like let's just say

0:39:50.400 --> 0:39:53.800
<v Speaker 1>Amelia's in childcare, so her mom could use some of

0:39:53.800 --> 0:39:56.319
<v Speaker 1>the five to two nine plan money for childcare now,

0:39:56.600 --> 0:39:59.080
<v Speaker 1>I mean for it for daycare now. But still it's

0:39:59.120 --> 0:40:01.040
<v Speaker 1>just too limiting for I mean, so they're just not

0:40:01.160 --> 0:40:01.520
<v Speaker 1>my fave.

0:40:02.600 --> 0:40:05.640
<v Speaker 3>Yeah, I agree one hundred percent they're not, are You know,

0:40:05.680 --> 0:40:08.120
<v Speaker 3>A five two nine plan is a good way to

0:40:08.239 --> 0:40:10.560
<v Speaker 3>save if you're sure which who knows what's going to

0:40:10.600 --> 0:40:13.560
<v Speaker 3>happen that you know they'll go to they'll use the

0:40:13.600 --> 0:40:16.680
<v Speaker 3>money for education. The good thing. I hate to say this,

0:40:16.760 --> 0:40:18.960
<v Speaker 3>but with the Trump tax plan, there actually was a

0:40:19.000 --> 0:40:22.319
<v Speaker 3>benefit which expanded the ability to use the funds and

0:40:22.320 --> 0:40:25.640
<v Speaker 3>your five two nine plan beyond higher education. You actually

0:40:25.640 --> 0:40:28.160
<v Speaker 3>could use it for like private school tuitions for K

0:40:28.239 --> 0:40:31.319
<v Speaker 3>through twelve, or school fees and things like that, so

0:40:32.239 --> 0:40:34.080
<v Speaker 3>you know, you don't necessarily have to wait to use

0:40:34.080 --> 0:40:36.160
<v Speaker 3>it for college anymore. I think it's up to ten

0:40:36.160 --> 0:40:38.480
<v Speaker 3>thousand dollars or something like that. We can post a

0:40:38.480 --> 0:40:41.759
<v Speaker 3>link to an article that has the details, so that's

0:40:41.760 --> 0:40:43.759
<v Speaker 3>something to think about. I actually do have a five

0:40:43.800 --> 0:40:47.279
<v Speaker 3>to two nine for Rio, because Husbi opened one and

0:40:47.400 --> 0:40:50.960
<v Speaker 3>he was so damn proud of himself, and I was like, okay,

0:40:51.600 --> 0:40:54.400
<v Speaker 3>and I don't mind the you know, and the benefit

0:40:54.440 --> 0:40:57.239
<v Speaker 3>is that you'll the money you put in grows tax

0:40:57.280 --> 0:40:59.360
<v Speaker 3>free and won't get taxed, like as long as you

0:40:59.440 --> 0:41:02.320
<v Speaker 3>use it for allified education expenses. You won't pay taxes

0:41:02.320 --> 0:41:05.120
<v Speaker 3>on it later, and you invest it, and you can

0:41:05.200 --> 0:41:08.279
<v Speaker 3>choose from a bunch of different types of investment, you know,

0:41:08.320 --> 0:41:11.480
<v Speaker 3>based on your risk tolerance and all that. So, but

0:41:12.040 --> 0:41:14.440
<v Speaker 3>to your point, Tiffany, we were, I think we're recently

0:41:14.480 --> 0:41:17.759
<v Speaker 3>we had Sharon Epperson, the CNBC correspondent, she was on

0:41:17.800 --> 0:41:20.960
<v Speaker 3>the show back when we just got into quarantine, I think,

0:41:21.400 --> 0:41:24.799
<v Speaker 3>and she has some teen she has teenage children, and

0:41:24.920 --> 0:41:27.239
<v Speaker 3>she was she was saying, well, you know, you do

0:41:27.360 --> 0:41:30.520
<v Speaker 3>invest your child's money when you open a five two

0:41:30.600 --> 0:41:33.560
<v Speaker 3>nine plan her children. I think we're just we're close

0:41:33.600 --> 0:41:36.719
<v Speaker 3>to graduating high school. And because of the pandemic at

0:41:36.719 --> 0:41:38.360
<v Speaker 3>the time, the stock market at crash and all that

0:41:38.400 --> 0:41:41.920
<v Speaker 3>kind of stuff, She's like, oh crap, Like the gains

0:41:41.960 --> 0:41:45.279
<v Speaker 3>on my investments have gone down. I mean luckily they

0:41:45.400 --> 0:41:47.840
<v Speaker 3>bounced back, but that is something to time it. You know,

0:41:47.920 --> 0:41:50.759
<v Speaker 3>your time horizon's only like what eighteen years or so,

0:41:50.840 --> 0:41:53.600
<v Speaker 3>seventeen eighteen years, So you want to be sure when

0:41:53.640 --> 0:41:56.399
<v Speaker 3>you choose your investments that like, for example, for Rio,

0:41:56.640 --> 0:41:58.120
<v Speaker 3>I think we're in some kind of version of a

0:41:58.120 --> 0:42:01.600
<v Speaker 3>target date fund that should become more conservative closer to

0:42:01.719 --> 0:42:04.600
<v Speaker 3>get too. Yeah, and it's cute because you can give

0:42:04.600 --> 0:42:05.960
<v Speaker 3>a link to your friends and family and they can

0:42:05.960 --> 0:42:06.760
<v Speaker 3>contribute all.

0:42:06.640 --> 0:42:07.840
<v Speaker 2>That, which is nice.

0:42:07.880 --> 0:42:09.839
<v Speaker 1>But one thing I don't like too about a five

0:42:09.880 --> 0:42:13.560
<v Speaker 1>to nine plan is that, like, don't colleges sometimes it

0:42:13.560 --> 0:42:16.320
<v Speaker 1>could be honestly, you might not get as much financial

0:42:16.320 --> 0:42:19.040
<v Speaker 1>aid that college is consider it when deciding on financial aid.

0:42:19.160 --> 0:42:21.840
<v Speaker 1>So it's possible that you talk would get less financial

0:42:21.840 --> 0:42:24.040
<v Speaker 1>aid if you've got like a ton of BI two

0:42:24.120 --> 0:42:28.040
<v Speaker 1>nine plan money like stashed away. So that's also too

0:42:28.080 --> 0:42:30.680
<v Speaker 1>But to me, I mean that's a big drawback. But honestly,

0:42:30.680 --> 0:42:33.400
<v Speaker 1>to me, the biggest drawback is we're in such uncertain times,

0:42:33.400 --> 0:42:35.960
<v Speaker 1>and not just because of pandemic and quarantine and stuff,

0:42:36.040 --> 0:42:38.520
<v Speaker 1>but just because, like the way the world is shaping up.

0:42:38.840 --> 0:42:40.880
<v Speaker 1>Who knows if there'll even be a thing called college

0:42:40.880 --> 0:42:44.600
<v Speaker 1>in ten years, And I just am nervous about betting

0:42:44.640 --> 0:42:46.920
<v Speaker 1>on that with kids that are like, you know, like

0:42:46.960 --> 0:42:49.719
<v Speaker 1>it's different for Supergirl, right, she's fourteen, so it's like, Okay,

0:42:49.800 --> 0:42:51.680
<v Speaker 1>she's going to college, like college is still a thing.

0:42:52.080 --> 0:42:54.440
<v Speaker 1>But Roman is five. I don't know what that's going

0:42:54.520 --> 0:42:56.120
<v Speaker 1>to look like in thirteen years, you.

0:42:56.080 --> 0:43:00.719
<v Speaker 3>Know, yeah, well, yeah regarding and I know we just

0:43:00.800 --> 0:43:03.600
<v Speaker 3>wrote an article about this on Magnify. It's it's it's

0:43:03.640 --> 0:43:06.720
<v Speaker 3>a baby myth that like five two nine plans really

0:43:06.960 --> 0:43:09.880
<v Speaker 3>dramatically decrease the amount of money you might get from

0:43:10.040 --> 0:43:13.040
<v Speaker 3>financial aid. But it's definitely like it's a it's a risk,

0:43:13.120 --> 0:43:16.040
<v Speaker 3>but it's not like quite as furious. Yeah, like it's huge.

0:43:16.040 --> 0:43:17.320
<v Speaker 3>So anyway, but I'll post I don't have time to

0:43:17.320 --> 0:43:19.840
<v Speaker 3>get into it now, but i'll post something. Yeah, I

0:43:20.000 --> 0:43:23.440
<v Speaker 3>got time for that. But it's decent. But yeah, definitely.

0:43:23.480 --> 0:43:25.640
<v Speaker 3>And tip, do you have a custodial ir ray for them,

0:43:25.719 --> 0:43:27.520
<v Speaker 3>like a ROTH or what kind of account you have

0:43:27.640 --> 0:43:29.000
<v Speaker 3>for them? Just a savings account.

0:43:29.400 --> 0:43:33.680
<v Speaker 1>No, it's a custodial not a ROTH. It's just a

0:43:33.719 --> 0:43:37.600
<v Speaker 1>traditional brokerage acount. But it's a custody gotcha.

0:43:37.760 --> 0:43:40.399
<v Speaker 3>Yeah, so I mean either way, or you can even

0:43:40.400 --> 0:43:42.479
<v Speaker 3>just set aside some cash when you figure it out later,

0:43:42.840 --> 0:43:45.360
<v Speaker 3>you know, put the cash into an account. Better something

0:43:45.400 --> 0:43:48.680
<v Speaker 3>than nothing, right when you're saving for when you're saving

0:43:48.719 --> 0:43:51.720
<v Speaker 3>for anything, analysis paralysis can just stop you from making

0:43:52.000 --> 0:43:55.160
<v Speaker 3>from doing any saving it also exactly go for it.

0:43:55.200 --> 0:43:58.480
<v Speaker 3>And kudos to you, grandma, you're very good granny.

0:43:59.040 --> 0:44:01.440
<v Speaker 2>Yes, especially she got the Molly Moore.

0:44:01.280 --> 0:44:06.960
<v Speaker 3>Book, right, Molly Moore at mollymore dot com. You're welcome,

0:44:08.120 --> 0:44:10.319
<v Speaker 3>all right, all right, cool? Ready for a boost and break?

0:44:11.400 --> 0:44:15.080
<v Speaker 2>Yes, now it's time to boost their break. We're all

0:44:15.200 --> 0:44:19.000
<v Speaker 2>our family. Are you gonna boost? Are you gonna break?

0:44:19.160 --> 0:44:20.440
<v Speaker 2>What you gonna do? Mandy.

0:44:22.000 --> 0:44:24.160
<v Speaker 3>I don't know if you guys check Twitter today between

0:44:24.160 --> 0:44:26.080
<v Speaker 3>the hours of like three and five pm, but there

0:44:26.120 --> 0:44:28.520
<v Speaker 3>was a trending topic that yes, I saw that I

0:44:28.880 --> 0:44:31.160
<v Speaker 3>can't have children in the car or a car if

0:44:31.200 --> 0:44:33.520
<v Speaker 3>you have children in the area, just cover their ears

0:44:34.160 --> 0:44:39.000
<v Speaker 3>hashtag zoom. Dick was trading all that. I was in

0:44:39.040 --> 0:44:40.640
<v Speaker 3>the middle of like that happy hour call that I

0:44:40.719 --> 0:44:43.360
<v Speaker 3>was doing, and I was like, what is going on? Why?

0:44:44.280 --> 0:44:47.200
<v Speaker 3>And I am a masochist, so I clicked. Apparently this

0:44:47.320 --> 0:44:51.160
<v Speaker 3>like CNN contributor, New Yorker columnist or something, was on

0:44:51.360 --> 0:44:57.000
<v Speaker 3>a call with colleagues and his manhood made an appearance

0:44:57.040 --> 0:44:59.319
<v Speaker 3>on the call, and he issued a statement saying, this

0:44:59.360 --> 0:45:01.719
<v Speaker 3>is very embarrass I thought I was not I thought

0:45:01.719 --> 0:45:04.920
<v Speaker 3>I had muted my video, which that quote in and

0:45:04.960 --> 0:45:07.359
<v Speaker 3>of itself tells you this man didn't know he was doing.

0:45:07.400 --> 0:45:11.320
<v Speaker 3>Because you can't mute a video. Oh his poor colleagues,

0:45:11.440 --> 0:45:12.680
<v Speaker 3>y'all can't wait?

0:45:12.680 --> 0:45:14.440
<v Speaker 2>Wait was he not wearing any pants?

0:45:14.640 --> 0:45:19.399
<v Speaker 3>So sources tell me that, uh, it has now come

0:45:19.440 --> 0:45:23.359
<v Speaker 3>out that he was participating in a recreational activity on

0:45:23.400 --> 0:45:27.239
<v Speaker 3>this conference call, a very healthy one that probably you know,

0:45:27.360 --> 0:45:30.200
<v Speaker 3>like most of the most adults participated in. You know,

0:45:30.239 --> 0:45:33.080
<v Speaker 3>it's great, no shame in that game. But maybe don't

0:45:33.120 --> 0:45:38.719
<v Speaker 3>do it on a work call. Uh yeah, yeah, yeah, yeah, yeah, disgusting.

0:45:39.080 --> 0:45:44.520
<v Speaker 3>But that's like the extreme of poor And wait, Tiffany.

0:45:44.840 --> 0:45:49.120
<v Speaker 2>Myself, sir, what can be so.

0:45:51.080 --> 0:45:54.640
<v Speaker 1>Arousing arousing about a work call that you have to

0:45:55.920 --> 0:45:56.960
<v Speaker 1>I just can't believe it.

0:45:57.160 --> 0:45:59.960
<v Speaker 3>Wow, yeah, he's like, I want to apologize to my wife.

0:46:00.120 --> 0:46:03.680
<v Speaker 3>Yes you do, my goodness, it's a very healthy habit.

0:46:03.719 --> 0:46:05.640
<v Speaker 3>But not on a zoom call, sir, I got. And

0:46:05.680 --> 0:46:09.120
<v Speaker 3>I just feel bad for his colleagues. Oh it must

0:46:09.080 --> 0:46:14.000
<v Speaker 3>have been like to stop it. I mean, I don't listen.

0:46:14.440 --> 0:46:17.560
<v Speaker 3>Just the like the ego, like the male and men

0:46:17.600 --> 0:46:20.520
<v Speaker 3>are just so dumb, just so dumb. Sometimes man keep

0:46:20.520 --> 0:46:23.120
<v Speaker 3>it in your pants, they keep it in your pants.

0:46:23.560 --> 0:46:26.640
<v Speaker 3>Do it with a door? You know, I am so like,

0:46:26.800 --> 0:46:29.560
<v Speaker 3>I am so paranoid about being caught on video doing something.

0:46:29.600 --> 0:46:31.759
<v Speaker 3>I got one of those. Everyone should invest in these

0:46:31.760 --> 0:46:35.239
<v Speaker 3>little like slidey cover thingies for your webcam that you

0:46:35.239 --> 0:46:37.520
<v Speaker 3>can just keep it slid so that even if I

0:46:37.560 --> 0:46:39.719
<v Speaker 3>open a Zoom and it automatically turns a video on,

0:46:39.800 --> 0:46:41.799
<v Speaker 3>but I don't want the video to be on. It's

0:46:41.880 --> 0:46:43.680
<v Speaker 3>just covered, you know, and I have a moment and

0:46:43.680 --> 0:46:46.440
<v Speaker 3>gather myself and fix my hair or whatever before I

0:46:46.440 --> 0:46:50.160
<v Speaker 3>open it, and I close the laptop anytime I'm not

0:46:50.200 --> 0:46:52.480
<v Speaker 3>sitting at it, just you know, just to keep it

0:46:52.600 --> 0:46:54.279
<v Speaker 3>because I don't want that to happen. But I mean,

0:46:54.280 --> 0:46:57.200
<v Speaker 3>at the worst case, what if someone see me like

0:46:57.640 --> 0:47:01.040
<v Speaker 3>yelling at my husband or whatever, maybe taking a nap

0:47:01.080 --> 0:47:03.279
<v Speaker 3>because for now my office is in my bedroom. But

0:47:03.560 --> 0:47:07.719
<v Speaker 3>none of that. That is just disgusting. That, yeah, but

0:47:07.760 --> 0:47:10.799
<v Speaker 3>what are some other zoom like bad virtual haven?

0:47:10.880 --> 0:47:13.440
<v Speaker 2>Remember that girl who got caught peeing on Zoom by mistake?

0:47:14.040 --> 0:47:16.440
<v Speaker 1>What she didn't realize it was in the very very

0:47:16.480 --> 0:47:19.120
<v Speaker 1>very beginning, and so she was like, you know, she

0:47:19.200 --> 0:47:21.239
<v Speaker 1>was on her computer. You see her like walking, You

0:47:21.239 --> 0:47:23.279
<v Speaker 1>could tell, you see her reach and she you could

0:47:23.280 --> 0:47:25.279
<v Speaker 1>tell she thought that she pressed the button because you

0:47:25.320 --> 0:47:27.640
<v Speaker 1>see her with her laptop, walking, placing it down on

0:47:27.680 --> 0:47:30.080
<v Speaker 1>the floor in the bathroom, picking down her pants and.

0:47:30.000 --> 0:47:32.120
<v Speaker 3>Sit in the poor and then she like.

0:47:32.080 --> 0:47:33.840
<v Speaker 2>Looks over and I guess it was that at that

0:47:33.880 --> 0:47:35.160
<v Speaker 2>moment she realized.

0:47:36.400 --> 0:47:38.920
<v Speaker 3>The midstream and she couldn't stop it.

0:47:39.080 --> 0:47:41.160
<v Speaker 1>Oh, I mean you couldn't see, like you know, you

0:47:41.160 --> 0:47:43.400
<v Speaker 1>couldn't see anything. You couldn't see like you know, the

0:47:43.440 --> 0:47:45.480
<v Speaker 1>side of her leg or whatever. But you could tell

0:47:45.640 --> 0:47:48.080
<v Speaker 1>she was I don't even know how you returned she

0:47:48.320 --> 0:47:50.120
<v Speaker 1>the way she tumbles off of the.

0:47:52.880 --> 0:47:54.640
<v Speaker 2>Everyone was like, how did I miss this?

0:47:56.280 --> 0:48:02.360
<v Speaker 3>Everybody was like, Jenny, Jenny, Jenny, No, because I was like,

0:48:02.400 --> 0:48:04.359
<v Speaker 3>first of all, I don't know what's worth Jenny peeing

0:48:04.440 --> 0:48:06.000
<v Speaker 3>on zoom or the fact that.

0:48:05.960 --> 0:48:07.640
<v Speaker 2>Somebody recorded it and shared it with the world because

0:48:07.680 --> 0:48:08.120
<v Speaker 2>I saw it.

0:48:08.760 --> 0:48:11.799
<v Speaker 3>I saw, well, you're right. That was another thing I

0:48:11.800 --> 0:48:14.880
<v Speaker 3>wanted to point out poor zoom etiquette, Like you know,

0:48:15.680 --> 0:48:18.400
<v Speaker 3>accidents happened. Someone sent me and it's no shade to

0:48:18.440 --> 0:48:20.040
<v Speaker 3>this front, but someone sent me a clip, like a

0:48:20.120 --> 0:48:24.000
<v Speaker 3>viral clip of someone's mother getting dressed with their with

0:48:24.080 --> 0:48:27.960
<v Speaker 3>her son or nephew or whatever on his school zoom

0:48:28.000 --> 0:48:29.600
<v Speaker 3>call in the background. So she's in the background in

0:48:29.640 --> 0:48:32.040
<v Speaker 3>the closet, you know, and you know she had pants

0:48:32.080 --> 0:48:35.200
<v Speaker 3>on but no top, no bra, and she was caught

0:48:35.280 --> 0:48:37.600
<v Speaker 3>and they recorded it and then sent it around and

0:48:37.640 --> 0:48:39.680
<v Speaker 3>it's viral, and I'm like, that poor woman was just

0:48:40.080 --> 0:48:42.279
<v Speaker 3>that's poor. She was just minding her business. She was

0:48:42.280 --> 0:48:44.520
<v Speaker 3>probably like trying to go from work, you know, trying

0:48:44.520 --> 0:48:46.680
<v Speaker 3>to do like get you know, her sons in school.

0:48:46.760 --> 0:48:49.160
<v Speaker 3>She's just doing you know. I feel so bad for her.

0:48:49.239 --> 0:48:52.000
<v Speaker 3>So yeah, anyone who's recording that shit and taking advantage

0:48:52.000 --> 0:48:53.440
<v Speaker 3>of it, you know, you're terrible humans.

0:48:54.239 --> 0:48:56.520
<v Speaker 1>Nor you really shouldn't because something like that. It's just like,

0:48:56.560 --> 0:48:58.759
<v Speaker 1>I mean, people kids are home, was just talking about

0:48:58.760 --> 0:48:59.640
<v Speaker 1>being your normal self.

0:48:59.680 --> 0:49:01.320
<v Speaker 2>And so yeah, that's.

0:49:01.200 --> 0:49:02.920
<v Speaker 3>Terrible, very terrible.

0:49:02.960 --> 0:49:08.880
<v Speaker 1>And my boost is really simple. It's nothing crazy or

0:49:08.920 --> 0:49:11.400
<v Speaker 1>not my boost. So my break is these damn squirrels.

0:49:11.640 --> 0:49:13.880
<v Speaker 1>So I thought I was cute. I said, I'm a homeowner.

0:49:13.920 --> 0:49:16.640
<v Speaker 1>Now you know what, I'm gonna buy some pumpkins for

0:49:16.719 --> 0:49:19.800
<v Speaker 1>my front yard because you know what, fall, pumpkins fall. Girl,

0:49:20.200 --> 0:49:22.239
<v Speaker 1>those pumpkins getting the last twenty four hours before my

0:49:23.440 --> 0:49:24.360
<v Speaker 1>ghetto hood.

0:49:24.480 --> 0:49:26.400
<v Speaker 2>Squirrels they.

0:49:29.120 --> 0:49:31.560
<v Speaker 3>Were they jack o lanterns or like full pumpkins.

0:49:31.680 --> 0:49:32.520
<v Speaker 2>No whole pumpkins.

0:49:32.760 --> 0:49:34.919
<v Speaker 1>Literally, Superman came back, was like, did you buy them

0:49:34.960 --> 0:49:37.800
<v Speaker 1>like this? That's how quickly they tore. I was like

0:49:37.840 --> 0:49:40.120
<v Speaker 1>by them, like what. And even my niece of my nephew,

0:49:40.160 --> 0:49:42.520
<v Speaker 1>they came to visit. They said, Auntie, you what happened

0:49:42.520 --> 0:49:44.879
<v Speaker 1>to your pumpkins? I was like, you know what? These

0:49:44.960 --> 0:49:48.040
<v Speaker 1>damn squirrels. So the squirrels here in Newark. My friend

0:49:48.120 --> 0:49:50.279
<v Speaker 1>was just asking. He was like, they're very aggressive here.

0:49:50.280 --> 0:49:51.560
<v Speaker 1>I'm like they are They look at you dead in

0:49:51.600 --> 0:49:53.880
<v Speaker 1>your face and dare you Like I was literally at

0:49:53.880 --> 0:49:56.000
<v Speaker 1>the window, knocking out the window, like, get off my pumpkin.

0:49:56.040 --> 0:49:58.879
<v Speaker 1>The squirrel looks at me like girl made to get

0:49:58.880 --> 0:50:02.920
<v Speaker 1>a continue to eat like it ain't It ain't real

0:50:03.040 --> 0:50:05.000
<v Speaker 1>unless you come out here. But and even then I

0:50:05.040 --> 0:50:06.360
<v Speaker 1>was like, you know what, I don't want it because

0:50:06.400 --> 0:50:09.239
<v Speaker 1>if he's not scared of this window knocking, that's the

0:50:09.239 --> 0:50:11.399
<v Speaker 1>type that jumps in the house and scares you in here.

0:50:11.440 --> 0:50:12.960
<v Speaker 2>So yeah, that was just.

0:50:12.920 --> 0:50:15.799
<v Speaker 1>My that you can't have anything good with these damn

0:50:15.800 --> 0:50:18.520
<v Speaker 1>squirrels eating your pumpkins. I was wondering what my neighbor

0:50:18.600 --> 0:50:21.560
<v Speaker 1>was doing because they had some pumpkins like on on

0:50:21.560 --> 0:50:24.040
<v Speaker 1>on like these garbage bags and they were like spraying them,

0:50:24.120 --> 0:50:25.279
<v Speaker 1>and she was she lacking them.

0:50:25.320 --> 0:50:27.120
<v Speaker 2>She's like I learned my lesson. I was like, ah,

0:50:27.200 --> 0:50:28.920
<v Speaker 2>next year, next.

0:50:28.880 --> 0:50:32.560
<v Speaker 3>Lacking your pumpkins, you be the most suburban thing I've

0:50:32.560 --> 0:50:36.560
<v Speaker 3>ever heard of my entire life. So I was like, oh,

0:50:37.120 --> 0:50:37.960
<v Speaker 3>these pumpkins.

0:50:38.120 --> 0:50:41.120
<v Speaker 1>Yeah, she's bought some spray from home depot that basically,

0:50:41.239 --> 0:50:42.759
<v Speaker 1>like you know, puts like a coating over there. So

0:50:42.800 --> 0:50:45.839
<v Speaker 1>I said, I'm on pumpkin watch for hers, and if if,

0:50:46.000 --> 0:50:48.279
<v Speaker 1>if you know, if they live, I'm going to I'm

0:50:48.320 --> 0:50:49.120
<v Speaker 1>going to invest in that.

0:50:49.160 --> 0:50:49.600
<v Speaker 2>Next year.

0:50:49.719 --> 0:50:52.160
<v Speaker 3>You must say, damn, lil tasty pumpkins. My squirrels have

0:50:52.239 --> 0:50:54.080
<v Speaker 3>not been bothering my stupid Really.

0:50:54.600 --> 0:50:56.239
<v Speaker 2>No, these girls around here are.

0:50:57.160 --> 0:50:59.360
<v Speaker 1>I was gonna say they're animals, but they literally are animals,

0:50:59.360 --> 0:51:01.160
<v Speaker 1>but they're disrespectful animals.

0:51:01.760 --> 0:51:03.760
<v Speaker 2>So that's my fun little boost, my fun little break.

0:51:03.800 --> 0:51:10.560
<v Speaker 3>Actually about eat them my bonus. Since we're talking kind

0:51:10.600 --> 0:51:13.520
<v Speaker 3>of about Halloween, hocus Pocus three or sorry, hocus Pocus

0:51:13.520 --> 0:51:15.960
<v Speaker 3>to the sequel is like a done is happening. I

0:51:15.960 --> 0:51:18.720
<v Speaker 3>just thought I would p s a that also sister

0:51:18.800 --> 0:51:21.840
<v Speaker 3>Act three is happening, So shout out to Our Youth

0:51:22.600 --> 0:51:25.920
<v Speaker 3>and two sequels that we actually do want and asked for.

0:51:26.520 --> 0:51:29.120
<v Speaker 1>She I love sister, I love both one and two

0:51:29.120 --> 0:51:31.560
<v Speaker 1>and Lauren Hill, Oh my gosh, sister I two was everything.

0:51:31.600 --> 0:51:33.200
<v Speaker 2>I mean, who did not sing those songs?

0:51:33.560 --> 0:51:33.799
<v Speaker 1>Sister?

0:51:33.840 --> 0:51:35.840
<v Speaker 3>Direct that I saw that one first, I mean that

0:51:35.960 --> 0:51:38.680
<v Speaker 3>was the second one. Yeah. I wanted to be one

0:51:38.680 --> 0:51:40.480
<v Speaker 3>of those kids in that school. I have no talent

0:51:40.920 --> 0:51:43.360
<v Speaker 3>for dance or song, but I wanted to be like

0:51:43.400 --> 0:51:44.239
<v Speaker 3>an account.

0:51:44.000 --> 0:51:48.680
<v Speaker 1>Why joyful joy Oh my goodness, I love it. I

0:51:48.680 --> 0:51:50.640
<v Speaker 1>just felt like Lauren Hill's mom was so unfair. She

0:51:50.760 --> 0:51:53.000
<v Speaker 1>just wants to be a singer. Yeah, if you haven't

0:51:53.040 --> 0:51:54.000
<v Speaker 1>watched it, go ahead and watch.

0:51:54.040 --> 0:51:56.600
<v Speaker 3>It's amazing and then watch Lizzo is what was it

0:51:56.640 --> 0:52:02.120
<v Speaker 3>like the VMA performance when she patricks a amazing Okay, jinks?

0:52:02.760 --> 0:52:04.680
<v Speaker 3>I mean, so, I think it's on Disney Plus so

0:52:04.760 --> 0:52:07.040
<v Speaker 3>you can go catch up on your sister X. I

0:52:07.080 --> 0:52:09.720
<v Speaker 3>don't know where hocus Pocus is probably also on Disney Plus.

0:52:09.760 --> 0:52:13.239
<v Speaker 3>Let's be real, but yeah, I think I think we'll

0:52:13.239 --> 0:52:14.920
<v Speaker 3>call it a show, Tiff, what do you think?

0:52:15.040 --> 0:52:18.000
<v Speaker 2>Yes, I agree, it's been a great show as per huge.

0:52:18.000 --> 0:52:21.200
<v Speaker 3>Per huge, All right, my husband hasn't come knocking because

0:52:21.239 --> 0:52:24.120
<v Speaker 3>I made meat loaf and potatoes before I came to record,

0:52:24.200 --> 0:52:26.960
<v Speaker 3>so I think I bought myself some time. He's happy,

0:52:27.840 --> 0:52:31.320
<v Speaker 3>all right. Well, thank y'all again for sticking with us,

0:52:31.360 --> 0:52:33.360
<v Speaker 3>and you will see y'all next week.

0:52:33.920 --> 0:52:36.600
<v Speaker 2>Next week, and follow us on Instagram. We like Instagram.

0:52:36.160 --> 0:52:40.240
<v Speaker 3>Followers, Yeah, follow us. We're at Branna Vission Podcast. Tiffany

0:52:40.320 --> 0:52:42.399
<v Speaker 3>is at the Budgetista. If you don't follow her, then

0:52:42.520 --> 0:52:46.640
<v Speaker 3>I'm shocked already. And you can find me at Mandy Money,

0:52:46.640 --> 0:52:47.560
<v Speaker 3>Mandy with an Eye.

0:52:47.760 --> 0:52:49.479
<v Speaker 2>I just will say, Mandy with an eye. Don't forget

0:52:49.480 --> 0:52:49.560
<v Speaker 2>that

0:52:49.600 --> 0:52:54.439
<v Speaker 3>Eye man, I money, all right, y'all, see you later