Speaker 1: Hey, hey, Hey, we're back. We're black and Brown. Hey Mandy,
Speaker 1: Hey Tiff, Yeah, how was your day?
Speaker 2: My day was long. I had to get up at
Speaker 2: three am to catch a flight. Well I didn't have
Speaker 2: to get up at three, but you know when you
Speaker 2: have like the early flight and then your anxiety wakes
Speaker 2: you up at three and you're like, why anxiety?
Speaker 1: Yeah, did you pack in the morning or did you
Speaker 1: pack last night.
Speaker 2: I just grabbed a few things in the morning because
Speaker 2: I'm only staying one night just for work. Okay, shout
Speaker 2: out to Starbucks.
Speaker 1: I actually went by the house today and I actually
Speaker 1: I think I picked out a child that I really like.
Speaker 1: It's called Africa Tempesta. Oh, I know, it's well honestly,
Speaker 1: it's it's a marble with so this is like my
Speaker 1: accent talle in the kitchen and the master bath. It's
Speaker 1: a marble with like a little like blue in it,
Speaker 1: and I really thought it was pretty. So I'm like, yay,
Speaker 1: because like, I'm gonna do a lot of like white
Speaker 1: subway just to keep things clean. But I wanted something
Speaker 1: that was going to, you know, something a little fancy
Speaker 1: for trim. So I was excited to buy the samples today,
Speaker 1: so we can go around and look at other materials
Speaker 1: to see if the sample goes with it.
Speaker 2: Are you guys doing everything on your own as far
Speaker 2: as like picking and choosing colors and tiles and stuff,
Speaker 2: or are you working with any mental.
Speaker 1: Health Well, I'm working with Rihanna. She's a designer at
Speaker 1: Remain Homes. She and her husband. She's a designer and
Speaker 1: her husband is a contractor an engineer and mm hmm,
Speaker 1: and so like now it's like kind of like her part.
Speaker 1: She's been helping me pick out, like figuring out like
Speaker 1: what my style is and what Superman style is. And
Speaker 1: we're getting to the park now where we're gonna, you know,
Speaker 1: probably in like a week or so, really get down
Speaker 1: to the design portion of the of the program. So
Speaker 1: I'm excited about that, very exciting.
Speaker 2: I feel like this is a very long, stressful week.
Speaker 2: It's only Tuesday, but at the end of this week
Speaker 2: we are moving in to our house.
Speaker 1: Oh so many changes to change. Is how do you feel?
Speaker 2: I feel like I'm finally letting myself get excited. It's
Speaker 2: been it's been about a month longer than we were
Speaker 2: originally planning. Without what we'd be in before Thanksgiving, but
Speaker 2: I'm letting myself start getting excited. I'm also getting nervous
Speaker 2: because I can't believe the calendar is like telling me
Speaker 2: that Christmas is a week and a half away, but
Speaker 2: I just don't understand.
Speaker 1: Yikes, I have not bought anything. Oh my gosh, now
Speaker 1: thanks for saying that. Now I have anxiety by Christmas.
Speaker 2: You should probably buy some stuff. I don't know why
Speaker 2: my my siblings decided this year we were going to
Speaker 2: do presents for everybody. There's no white elephant, there's no
Speaker 2: giving people about it. I know, but I'm going with
Speaker 2: like books, you know, I'm trying to respect my own
Speaker 2: budget and Husbany and I don't, and we're going to
Speaker 2: be doing gifts for each other. We keep talking about it,
Speaker 2: and I'm like, let's go check that that mint dot
Speaker 2: com profile one more time and before we discuss getting
Speaker 2: each other presents, because that's kind of silly.
Speaker 1: I don't think we're going to do presents, but I
Speaker 1: we're doing like my my my team and I are
Speaker 1: doin using something called Elvester. So that's like you know,
Speaker 1: the white elephant, where you kind of just exchange gifts.
Speaker 1: And then my sisters and I. We use this website
Speaker 1: called draw Names, so so I still have to order.
Speaker 1: The good thing about like Elvester is that because everyone
Speaker 1: on my team lives in a different like state, so
Speaker 1: when you order it, it goes directly to their house.
Speaker 1: So we just got a message today saying tomorrow it
Speaker 1: is the last day to order for it to get
Speaker 1: there on time. So I'm like, okay, let me, I'm
Speaker 1: gonna do that tonight, and I got. It was cute
Speaker 1: because I think our our budget for Elster was like
Speaker 1: fifteen bucks. So though who I got they chose all
Speaker 1: these twenty five dollar things, I'm like, did they not
Speaker 1: see the budget? Now, I'm like, what should I do?
Speaker 1: Because the like the person who I got chose either
Speaker 1: really cheap things which were like five dollars so you
Speaker 1: can't exactly send like a five dollar gift, or they
Speaker 1: chose like twenty five dollar things. And honestly, I mean,
Speaker 1: I'm going to get the twenty five dollar things, but
Speaker 1: I definitely was like, the rule state, well, so why he.
Speaker 2: Doesn't want to feel cheap. She doesn't like confrontations, so
Speaker 2: she's not going to tell me to choose tick to
Speaker 2: the rules exactly.
Speaker 1: But you know, it's a surprise. We don't know who
Speaker 1: has who. Okay, yeah, that's just funny. It was like,
Speaker 1: so I guess you're getting this twenty five dollar bag.
Speaker 1: So no, but I'm excited because we're actually going to
Speaker 1: do like on slack, We're going to have a virtual
Speaker 1: Christmas party or a virtual holiday party.
Speaker 2: Oh fun? How does that work? I've got some remote
Speaker 2: workers and I felt bad, so I was going to
Speaker 2: send them up. We're doing like our our office dinner
Speaker 2: this week, like an office party, and then for the
Speaker 2: remote workers, I was just going to send them like
Speaker 2: a gift to their homes.
Speaker 1: Honestly, I don't know how to do any they're planning it,
Speaker 1: which I think that was really cute, and I was like,
Speaker 1: how how is this going to work?
Speaker 2: To you? Byob like.
Speaker 1: Everybody could you d drunk on slack video like hey.
Speaker 2: But listen at least but at a holiday party, there's
Speaker 2: no evidence in writing of the things that you say
Speaker 2: to people. I don't know that sounds like that's cute,
Speaker 2: though it is cute. We did go to home Depot
Speaker 2: and bought Christmas lights, so that was probably when I
Speaker 2: started feeling excited. I mean, we will have Christmas lights
Speaker 2: in a Christmas tree. We may not have like a
Speaker 2: shower door, but you know, small small things will happen
Speaker 2: after the new year. But I'm just so ready to
Speaker 2: get in there. And we may not have a countertop
Speaker 2: for a while, but it is going to be fine.
Speaker 1: No, but the fact that you're in the yeah, yeah,
Speaker 1: I'm looking forward. We're likely not going to get in
Speaker 1: until late January, early February, but either way, I'm excited.
Speaker 1: This is like a side, like a random but I
Speaker 1: thought this was a good like for those of you
Speaker 1: who are like business owners. So one of the things
Speaker 1: that my business partner did is that he sometimes because
Speaker 1: he travels all over, he sometimes forgets to make meetings.
Speaker 1: And now he is the he's our CMO as well,
Speaker 1: so he's my business partner, but he's also my chief
Speaker 1: marketing officer. So because he's like a marketing genius, he's
Speaker 1: great at it. So we have a marketing team meeting
Speaker 1: every Tuesday, and he missed two of them because he
Speaker 1: woke up late or whatever. So the last time, I
Speaker 1: guess he was like, Okay, I want to be more responsible.
Speaker 1: So the last time he missed it, he was like
Speaker 1: moving forward. Every time I miss a team meeting, everyone
Speaker 1: who's supposed to be on me. I think it's like
Speaker 1: I want to say six of us that are on
Speaker 1: the marketing team meeting that every time I miss a
Speaker 1: team meeting, I will PayPal each person on the team
Speaker 1: for the team, the marketing team fifty dollars. And I
Speaker 1: guess that was his way of, like, you know, making
Speaker 1: sure he's let's unless I give you twenty four hour notice.
Speaker 1: So we were like everybody was like, yes, yes, okay,
Speaker 1: he missed the meeting today. When I tell you the
Speaker 1: team is yes, They're like, we don't even need you
Speaker 1: to show up. Everyone. Everyone's dropping their paypaling talk about
Speaker 1: paying me be a friends and family so I can
Speaker 1: have fee. So like, I just thought that was a
Speaker 1: really good like do you do anything like that to
Speaker 1: kind of like, you know, especially with the new year approaching,
Speaker 1: like you're trying to correct behavior. Are there things that
Speaker 1: you do, like you know, like a swear jar or
Speaker 1: whatever that like help you to correct your behavior? So
Speaker 1: he's trying to correct behavior about like showing up and
Speaker 1: being on time, and so you know, paying that fifty dollars.
Speaker 1: It can be upwards with four hundred dollars that he
Speaker 1: would have to pay on Tuesdays if he forgets to
Speaker 1: make it or at least forgets to give us notice.
Speaker 1: So what things do you have in place that's like
Speaker 1: that are like, oh, you know, this is going to
Speaker 1: help me not to forget to do what it is
Speaker 1: that I set out to do, or to stop doing
Speaker 1: a behavior that's no longer that it's not helpful useful. Yeah.
Speaker 2: Tweet us out the BA podcast on Twitter, where you
Speaker 2: can email us at Brand Ambition Podcast at gmail dot com.
Speaker 1: Not Tom, but I met you, Mandra That I mean
Speaker 1: you too. Me.
Speaker 2: Oh man, I feel like my lifestyle is so out
Speaker 2: of black. My big resolution is just to get better
Speaker 2: back in the gym and start eating healthy again in
Speaker 2: twenty nineteen because living not in a real house and
Speaker 2: like my routine being thrown off, like for the past
Speaker 2: four or five months, it's been bad. I need to
Speaker 2: get back on it. Yeah, so that's my goal for
Speaker 2: twenty nineteen, get back to regular Mandy that I recognize
Speaker 2: it hasn't helped that, like work has not slowed down,
Speaker 2: and I think I'm finally seeing the error of my ways.
Speaker 2: You know how you hear people say you just have
Speaker 2: to play in your life like as if I don't know,
Speaker 2: I don't know what people say, but I feel like
Speaker 2: I keep telling myself when work slows down, when work
Speaker 2: slows down, when work slows down, And I've been saying
Speaker 2: that for two years. Yeah, it's not slowing down, so
Speaker 2: like I need to do something different.
Speaker 1: Yep. And I know exactly how you feel, because you're right,
Speaker 1: I guess. I don't know. Maybe when we were like
Speaker 1: in high school or college, like there were you know
Speaker 1: what it is, they were like peaks and valleys where
Speaker 1: it's like, oh, the semester is closing. So yes, life
Speaker 1: has slowed down because I'm not doing my final papers
Speaker 1: and stuff. But as an adult you realize that that
Speaker 1: never happens.
Speaker 2: I thought there would be like even summer isn't summer.
Speaker 2: You know, summer was going to be chill, and then
Speaker 2: you know, crazy things happen. I just I don't know
Speaker 2: what and Q one is gonna like it's.
Speaker 1: Just you know, oh, you know you're an adult when
Speaker 1: you start to say Q one.
Speaker 2: Oh my god, I know I heard myself the times
Speaker 2: it's that the number of spreadsheets I have opened right
Speaker 2: now that say Q one in them. I can't even
Speaker 2: tell you, like which one is this. Yeah, it's just
Speaker 2: a bit, it's just a bit over I mean it's
Speaker 2: not overwhelming, it's it's I'm still enjoying it, but I
Speaker 2: also feel like I have to put a line somewhere
Speaker 2: and like drink carve out time. Like I can't keep
Speaker 2: using that as excuse not to go to the gym.
Speaker 2: I can't keep using that as an excuse to stay
Speaker 2: at work every night until eight o'clock. It's not like
Speaker 2: it's gonna be temporary. You know, it's gonna be until
Speaker 2: I say nope, I'm leaving or nope, I'm doing this
Speaker 2: because it's for my health. I just can't keep using
Speaker 2: it as an excuse or waiting because it's not gonna happen.
Speaker 2: Like I need to be the one to put that barrier.
Speaker 2: Put that wall up, you know, boundary up.
Speaker 1: No, it's true once you like it's and it's not easy,
Speaker 1: but it's it's more than doable. But you're right. If
Speaker 1: you don't put the boundary up, the boundary is not
Speaker 1: going to come and knock on your door and say, hey,
Speaker 1: here I am boundaries. I just went to the doctor
Speaker 1: with it yesterday. So yesterday they took the I had
Speaker 1: an IUD, and did I mention that they put an
Speaker 1: ID in because when you know, like when you're like,
Speaker 1: let's just say you, I don't know, cut your hand
Speaker 1: or whatever, that your skin gathers together to heal itself, right,
Speaker 1: And so I had all the fiboords taken out. It
Speaker 1: was almost a year ago. Well yeah, it was January,
Speaker 1: so I doubt all the fibrids taken out, and my
Speaker 1: uterus was healing, but it kept healing together and creating
Speaker 1: scar tissue, and it created a lot the first time
Speaker 1: because I had like sixteen five boards removed. They took
Speaker 1: out the scar tissue, but of course your body is
Speaker 1: doing what it knows to do, which is healing again
Speaker 1: and created more scar tissue. So I had like another
Speaker 1: scar tissue remover and there was one little piece left.
Speaker 1: So what they did was they put an IUD. So
Speaker 1: that's usually the thing that you put it so you
Speaker 1: don't get pregnant, but it's like the one without the
Speaker 1: medicine or whatever keeps you from it's not just a
Speaker 1: medicine that stops you from getting pregnant when you have
Speaker 1: an obstruction inside your unus. Your body instinctively knows that
Speaker 1: you can't have an obstruction and a baby growth there,
Speaker 1: so just like it just your a baby won't take.
Speaker 1: So anyway, the IUD was in there to basically hold
Speaker 1: my unus open, because it's like thinking but like almost
Speaker 1: like a poco stick, you know, like it's like bouncy
Speaker 1: and so, but it's a stick, and it basically it
Speaker 1: was holding my uters open so it could heal away
Speaker 1: from itself at the side of itself. So it worked.
Speaker 1: My uterus is totally clear. It looks great. But so
Speaker 1: the last time I went, I went, and so the
Speaker 1: technically during my next cycle, I should be able to
Speaker 1: start IVF. But I had assist on my ovary and
Speaker 1: I was like, what as this and she was like, no,
Speaker 1: it's common that women, like just in general, like let's
Speaker 1: just say you have a particularly rough fibulation. I don't know,
Speaker 1: like if you got a lot of cramps or whatever,
Speaker 1: it's common for in your ovaries to have assists and
Speaker 1: they cists will grow and break on their own, you know,
Speaker 1: almost like a pimple. Think about it that way. And
Speaker 1: I said, oh, okay, So she was like, so it's normal,
Speaker 1: but she was like, we can't do IVF with the
Speaker 1: cysts though on your over so where next time you come,
Speaker 1: we'll do like an ultrasound. It should go away on
Speaker 1: its own, and if it doesn't, it's going to go
Speaker 1: away in its own anyway. But it could be two months,
Speaker 1: it could be two weeks. You know, there's no way,
Speaker 1: just like with your pimple exactly. But what she did
Speaker 1: tell me was that the next time I come in
Speaker 1: like three or four weeks, they'll do an ultrasound and
Speaker 1: if it hasn't gone away, they'll put me on birth
Speaker 1: control because birth control will make the process faster. So
Speaker 1: she was like, we'll put you on birth control for
Speaker 1: like a week or two and it will we'll make
Speaker 1: the cysts go away faster, and then we can start
Speaker 1: the actual It's been a year's worth of prep. The
Speaker 1: actual IVF process honestly hasn't been like I know. People
Speaker 1: are like, are you disheartened? I'm like, no, because it's
Speaker 1: not like like I was watching this interview with Gabrielle
Speaker 1: Union and she did IVF like eight or nine times
Speaker 1: and it just didn't take. So I haven't even I
Speaker 1: haven't had any disappointment yet because we haven't tried it.
Speaker 1: It's just really been like prepping me to be able to.
Speaker 1: So I honestly, it's just been the process hasn't been disheartening.
Speaker 1: It's just been like, Okay, take out the firebirds. Okay,
Speaker 1: take out the scar tissue, and take out the scar
Speaker 1: tissue and take out more scar tissue. Okay, there's a
Speaker 1: cyst that will go away. If it doesn't go away,
Speaker 1: take some birth control, it'll go away. And so once
Speaker 1: we actually start the process, that's when it's like, okay,
Speaker 1: everything is in place. So I've got two choices. I've
Speaker 1: got a choice to like get the the what is it,
Speaker 1: the fertilized egg, Like what is that called embryril? I
Speaker 1: can get in my embryo tested for like Down syndrome,
Speaker 1: this and that. But the doctor some doctors will tell
Speaker 1: you not to because they worry that you'll, like any
Speaker 1: any bothering of the embryo. You put it at risk,
Speaker 1: you know. Like so she was like, because I told
Speaker 1: her I wanted to get tested because I was just
Speaker 1: not that I don't there's no Down syndrome anything in
Speaker 1: my family. But I just wanted to make sure that
Speaker 1: we had we chose the healthiest egg possible, and she
Speaker 1: was like, you know you can, but we're we're already
Speaker 1: going to choose the healthiest ferm and the healthiest egg,
Speaker 1: you know, so and if I do that, there is
Speaker 1: a possibility for twins because if they don't do the testing,
Speaker 1: then they put she's gonna put two embryos inside me
Speaker 1: because there's a likelihood of one not making it, you know.
Speaker 1: So what they do is that's why you see so
Speaker 1: many women who go through the eye of process, so
Speaker 1: many women have twins, is because typically they will try
Speaker 1: and put two because you know there when your your
Speaker 1: first time that you do it, your body is I
Speaker 1: feel get what my sister called it, to do your
Speaker 1: body is Basically it's like when you first go on
Speaker 1: your diet, your body is shocked into like like into
Speaker 1: successful behavior because it's like whoa, you know, like you're
Speaker 1: eating an all of lettuce you haven't had let us
Speaker 1: in so long, You're drinking a lot of water, so
Speaker 1: all of a sudden you're losing weight faster than maybe
Speaker 1: like week three into your diet. So same thing with
Speaker 1: IVF that like they they she was like, we want
Speaker 1: to basically double the opportunity for you to have a
Speaker 1: successful you know, pregnancy, and they put too That's why
Speaker 1: you see so many women, like I said, with twins.
Speaker 1: So if I get my egg tested, they only put
Speaker 1: one if I if I don't get tested, they put two,
Speaker 1: and then I have a potential for twins. So that's
Speaker 1: like my choice now to decide, like what do I
Speaker 1: want to do? You know, I kind of want a twin,
Speaker 1: but then I'm also like Yanks, but but she's not
Speaker 1: doing it for me to have twins because you don't
Speaker 1: like she's like nore, She's like, I'm not here to
Speaker 1: give you twins. I'm here to just give you the
Speaker 1: potential to have the healthiest baby. So yeah, so I
Speaker 1: either start in a few weeks or I start next
Speaker 1: month with the actual cycle, and by then I have
Speaker 1: to decide, like do I want one that's tested or
Speaker 1: do I want two that are untested? But knowing that
Speaker 1: they picked the healthiest version of me and the healthiest
Speaker 1: version of Superman to put forward, so that's kind of
Speaker 1: a decision we have to make. Just so much with
Speaker 1: I've learned so much from like about my reproduction system
Speaker 1: and so much about like what it takes. And he
Speaker 1: just don't realize. I can't believe how many women don't
Speaker 1: or how many women go through this. And like like
Speaker 1: my younger sister Carol, she she had two kids, boom boom,
Speaker 1: she and her husband, you know, like it was like
Speaker 1: I think she got like like she like you know,
Speaker 1: like I think it was like her honeymoon night, you know.
Speaker 1: And then she had it first and then like literally
Speaker 1: a year so later she had her second, no issues whatsoever,
Speaker 1: you know. But then here I am, and I'm like
Speaker 1: having so many like so much trouble and you just
Speaker 1: never know. So yeah, that's my that's my update. So
Speaker 1: hopefully within a month or two. Well, if I do
Speaker 1: get pregnant month or two, I'm gonna tell you'all because
Speaker 1: you're really supposed to wait like three or four months,
Speaker 1: you know. Yeah, So I mean I'll tell you nandy,
Speaker 1: but like you know that within a month or two,
Speaker 1: I have to be pregnant, and then within three or
Speaker 1: four months of being like in like past, the danger zone.
Speaker 1: That's just the danger zone for every woman, whether you
Speaker 1: have fibrords or not, you're really supposed to wait three
Speaker 1: or four months because you miscarriages are way more common
Speaker 1: than than than women share and so you know it's
Speaker 1: just within a month or two. You know, anything can happen.
Speaker 1: It's time book question. Now that I talk you guys
Speaker 1: ear off and then let poor Manny get a get
Speaker 1: a word in edge. It's time for.
Speaker 2: Question.
Speaker 1: If you have a question, where can they email us?
Speaker 2: You can go to Brandhambisson podcast dot com and click
Speaker 2: ask us anything, or you can hit us up on
Speaker 2: Twitter like listener Casey did today. I'll read her question
Speaker 2: at the BA podcast on Twitter or hit us up
Speaker 2: at Brandambisson podcast on Instagram.
Speaker 1: Dot com, well not dot com gram that is great.
Speaker 2: Let's get to Twitter user listener Casey's direct message that
Speaker 2: she sent us last week. Casey says, Hi, ladies, I
Speaker 2: love your podcast. I need some advice. I have a
Speaker 2: credit card at a really high interest rate of about
Speaker 2: twenty five percent. I got it when I was young,
Speaker 2: so my usage is at seventy five percent. I've been
Speaker 2: paying it off but not seeing much progress. I want
Speaker 2: to be wise about my credit usage. I have another
Speaker 2: card that's almost paid off too. I also have a
Speaker 2: credit union that could give me a personal loan to
Speaker 2: consolidate both cards and pay it off at a significantly
Speaker 2: lower rate, Is it worth it? Good question, Yes, it's
Speaker 2: worth it. If that personal loan has a lower interest
Speaker 2: rate than twenty five percent one hundred percent, it's worth
Speaker 2: it to use it to pay off that credit card.
Speaker 2: And then the good thing about personal loans is that
Speaker 2: they're a fixed rate over a fixed period of time.
Speaker 2: Unlike a credit card, they're not going to you're not
Speaker 2: going to keep seeing that interest or crew like on
Speaker 2: top of interest month after month and just getting bigger
Speaker 2: and bigger and bigger. You get a fixed rate, they
Speaker 2: tell you how long it'll take you to pay it off,
Speaker 2: and you know exactly when you will have that loan
Speaker 2: paid off. The interest rate's baked into your payments basically.
Speaker 1: And something too that's good that's good about a loan
Speaker 1: in that way is that I think it's fifteen percent
Speaker 1: of your score is type of debt right, So like
Speaker 1: a credit card is considered revolving debt, So that's like
Speaker 1: that that like basically never ends because you charge it,
Speaker 1: use it, charge it, use it paid off. But with
Speaker 1: with a a personal loan, yeah, that's an installment loans,
Speaker 1: so you get like a little bit of a credit mix.
Speaker 1: So as you pay off both of them, you're going
Speaker 1: to see a boost, and that'll just give you a
Speaker 1: little extra boost because you have a different type of debt,
Speaker 1: to show that you know how to be good with
Speaker 1: your credit and your creditors.
Speaker 2: Yeah, next question from listener Amy, another credit question. Amy says,
Speaker 2: my credit score is steadily rising and I'm quite proud
Speaker 2: of it. But now I need a new vehicle. My
Speaker 2: current car is almost ten years old. The door handles
Speaker 2: fall off and there is a clicking sound happening under
Speaker 2: the hood that no one can seem to figure out. Recently,
Speaker 2: my son was involved in an accident with his grandmother
Speaker 2: and he received a fifteen thousand dollars check from the
Speaker 2: insurance company. My options, as I see it, are to
Speaker 2: either use about ten thousand dollars of that money to
Speaker 2: put a down payment on a used vehicle so my
Speaker 2: car note will be paid off quickly and easily, put
Speaker 2: the remaining five thousand into a savings account for my son.
Speaker 2: Or I could just use five thousand of that insurance
Speaker 2: money to pay off my credit card debts and put
Speaker 2: the ten thousand dollars in savings for my son. Sense
Speaker 2: it really is his money, and then I would just
Speaker 2: take out a new loan to pay for my car
Speaker 2: through my credit union. Basically, my question is what would
Speaker 2: you do with this for your situation? So her son,
Speaker 2: I know, this is a lot to unpack. Her son
Speaker 2: was in an accident. He's got fifteen thousand dollars from
Speaker 2: the insurance company that I'm assuming he's a minor, and
Speaker 2: so his mom wants to basically wants to get the Okay, okay,
Speaker 2: can I use this money for me, even though technically
Speaker 2: it should be his since he was involved in the accident.
Speaker 2: So she's either going to take ten k to pay
Speaker 2: down her car, oh sorry, ten k to pay down
Speaker 2: her car and buy a new one and only say
Speaker 2: five K for her son, or flip it and save
Speaker 2: ten k for her son and then use five K
Speaker 2: to pay out her credit card debt and then take
Speaker 2: out a new loan to get a carricky.
Speaker 1: I know it is here. Well, I'll say this, I
Speaker 1: don't know how old her son is. That you know, like,
Speaker 1: your car is not like some It's not like you're
Speaker 1: using it for like shenanigans, Like you're like I want
Speaker 1: to go on vacation. You know that, like your cars.
Speaker 1: Assume I'm assuming it's how you get to work, which
Speaker 1: is how you pay your bills, and how you put
Speaker 1: food on the table. So you know, I'm not opposed
Speaker 1: to using some of the money to make sure that
Speaker 1: you can ensure that you can continue to provide for
Speaker 1: your son. You know, I don't you know, if possible,
Speaker 1: I would, I wouldn't want to use all of it,
Speaker 1: which is what you suggested, And I don't know, I
Speaker 1: probably wouldn't feel comfortable putting it toward my credit card
Speaker 1: debt because I'd be like, well, these are my choices
Speaker 1: that I've made. Like I feel like, like I said, a car,
Speaker 1: especially in certain states, it really is a necessity. This
Speaker 1: is not a you know, this is not a luxury,
Speaker 1: Like I have to have a car to go to work,
Speaker 1: So I feel like I lean more toward that, although
Speaker 1: it's more money toward what you and it's do you
Speaker 1: have to put down ten like what can you afford?
Speaker 1: You know?
Speaker 2: Yeah, that's true. She says, you use ten thousand dollars
Speaker 2: or the money to put it down payment on a
Speaker 2: used vehicle, so my note would be payoff quickly and easily.
Speaker 2: I mean, you want to use vehicle that's good and reliable,
Speaker 2: because she has a son tea on a used car.
Speaker 2: You know that's not for a good used car.
Speaker 1: Yeah.
Speaker 2: We got a used car that was well one year
Speaker 2: pre owned that was more than that, So I mean
Speaker 2: it's not I don't think it's out it's outrageous to
Speaker 2: spend a reliable car.
Speaker 1: Yeah yeah, because mine was. I think it was two years.
Speaker 1: Like you know, I think my car was a year
Speaker 1: too old and it was twenty two thousand dollars, So
Speaker 1: you're right, you put down ten k. You're thinking like
Speaker 1: if a car is what ten cars fifteen to twenty
Speaker 1: thousand dollars for a used car that's still really reliable,
Speaker 1: maybe only a year two old, maybe certified pre owned.
Speaker 1: Let's just say twenty thousand. You put down ten, you
Speaker 1: pay ten off over the next three years, So that's
Speaker 1: not crazy. I feel like I leave more to because
Speaker 1: how do you feel about many about using the money
Speaker 1: to pay off credit card debt.
Speaker 2: I mean, I know, logically, if the credit card debt
Speaker 2: has a higher interest rate than her alone would be,
Speaker 2: then it would make sense to pay it off first.
Speaker 2: But I mean I see what you're saying, like, if
Speaker 2: it's his credit card debt, I feel like getting a
Speaker 2: new car, you could at least say, well, this will
Speaker 2: benefit my son and my family and my household for
Speaker 2: time to come. And she doesn't say she has that
Speaker 2: much credit card debt. She seems like she has. She
Speaker 2: says a little bit of credit card debt. That's not
Speaker 2: very much. So if you put ten k, get a
Speaker 2: reliable car, and then like you say, five thousand and
Speaker 2: savings for your son, and then you make a plan
Speaker 2: to pay off the rest of your credit card debt
Speaker 2: and don't you know, promise not to dip into that
Speaker 2: five thousand dollars you've saved for him, then I think
Speaker 2: that's two birds with one stone. But at the end
Speaker 2: of the day, it's what you live with and what
Speaker 2: you're happy with.
Speaker 1: M hm. And as long as like you said, like
Speaker 1: I think many and are on the same page, is
Speaker 1: that that the money should benefit your son, even if indirectly,
Speaker 1: because benefiting you is a mom, especially a mom of
Speaker 1: a of a child that's a mine, then like you know,
Speaker 1: making sure that you and your household are are okay,
Speaker 1: it's what's it's what's important. And so just making a
Speaker 1: choice that that does that, you know.
Speaker 2: Yeah, because you don't want to get into car debt either.
Speaker 2: It's a really interesting question, it is. I like this
Speaker 2: question because it's one of the more challenging ones that
Speaker 2: we've had, and it's not so black and white, and
Speaker 2: there's a lot of different ways you could go. So
Speaker 2: thanks for asking it. I don't know that there's a
Speaker 2: perfect answer. Yeah, there's so many, and only you know
Speaker 2: your situation. I feel like that's the kind of that's
Speaker 2: the kind of question. I feel like my mom and
Speaker 2: my dad had to answer a lot when I was
Speaker 2: growing up, how to give and take? And really it's
Speaker 2: it's what would you feel rat proud telling your son
Speaker 2: that you did Yeah, when he's older, think of it
Speaker 2: that way. I think you could totally justify we needed
Speaker 2: a car for the for the house and for our family,
Speaker 2: and I still saved you this amount and your savings
Speaker 2: and that's that.
Speaker 1: Yeah. I agree.
Speaker 2: Thank you for your challenging an interesting question. Amy. Again,
Speaker 2: you can hit us up at Brianimission podcast dot com
Speaker 2: with your quest.
Speaker 1: Booze then break I have. I think I'm wanna go.
Speaker 1: I think I want to go first because of mine
Speaker 1: is a little bit sad, so I'm like I just
Speaker 1: want to well, well not sad for me, but sad
Speaker 1: for this young girl. You know, the young woman, Centoya Brown.
Speaker 1: You know she killed that that uh I think she
Speaker 1: was like, uh fifteen or sixteen and she killed. She
Speaker 1: was a victim of sex trafficking and she killed the
Speaker 1: uh I think it was like forty three year old
Speaker 1: man and because after he solicited her for sex. Yeah,
Speaker 1: he was forty three, she was she was sixteen, and
Speaker 1: she said he was it was he She thought he
Speaker 1: was reaching under his bed to get a gun. Meanwhile,
Speaker 1: after he had sex with her as a minor and
Speaker 1: she had been you know, it wasn't you know, a choice,
Speaker 1: she had been traffic and so she got She's been
Speaker 1: in jail since that time. And now in Tennessee, she
Speaker 1: they're saying she's going to have to serve out fifty
Speaker 1: one years in prison before she's eligible for parole. Isn't
Speaker 1: that crazy? And it is? And so that's just my
Speaker 1: break because it's just this is not and it was
Speaker 1: unanimous the decision, and I'm just like that just seems
Speaker 1: so a forty three year old man can could basically
Speaker 1: rape because you can't consent at sixteen in the United
Speaker 1: States of America, can basically rape a child that has
Speaker 1: been traffic. So I'm assuming if she's sixteen and this
Speaker 1: is happening a long I can't imagine how long she's
Speaker 1: been in this industry and you know, being afraid for
Speaker 1: her life and killing someone who raped her basically, I
Speaker 1: just I just don't even know what that means, you
Speaker 1: know what I mean? Yeah? And I just feel like
Speaker 1: more of us need to say things about it, like
Speaker 1: remember that young boy who who had influenza. Isn't that
Speaker 1: so crazy? You remember? And it was he like I
Speaker 1: guess he took his car and he I don't, I don't,
Speaker 1: I can't remember the crime he can be but basically
Speaker 1: took someone's life and they said, oh he had influenza.
Speaker 1: He has so much influence that he didn't even know
Speaker 1: what he was doing. He didn't get like any time.
Speaker 1: Or the young man that raped an intoxicated woman she
Speaker 1: was unconscious. He got six months. I just I don't know.
Speaker 1: I just don't even I don't, I don't even know,
Speaker 1: you know what I mean?
Speaker 2: Like what, yeah, Like if she weren't a woman of color,
Speaker 2: do you think it would have been the same outcome?
Speaker 1: Of course not. And imagine she was a woman of
Speaker 1: color and the man she killed, because I think the
Speaker 1: man she killed was white and the man she killed
Speaker 1: was black. If she was white and the man she
Speaker 1: kill was black, there, first of all, there wouldn't have
Speaker 1: been there wouldn't have been any of this. And it's
Speaker 1: a shame because it's like, what, this girl has never
Speaker 1: caught a break, like, you know, being sex traffic at sixteen,
Speaker 1: Lord only knows when it started, and yeah for it
Speaker 1: to be she's not going to be eligible for parole
Speaker 1: until she's sixty nine years old, Like what does that
Speaker 1: even mean? This is not someone who was a danger
Speaker 1: to society. This is someone who is society has been
Speaker 1: a danger to her, you know. Yeah, so that's my boost,
Speaker 1: but that's my break. It's just like just it's hard
Speaker 1: when those these types of things happen because you're like, well,
Speaker 1: what do you do do you know, besides bring attention
Speaker 1: to her? What can be done? Because this just seems
Speaker 1: like how is this okay? That this young girl should
Speaker 1: have suffered all of this time and then to have
Speaker 1: to suffer even more for her lifetime, like a full lifetime,
Speaker 1: a full lifetime.
Speaker 2: It just well, I was gonna take a brown boost
Speaker 2: from office holiday parties. But I feel kind of awkward
Speaker 2: now you're talking about the justice system.
Speaker 1: It's always good. I mean sometimes I usually take a boost,
Speaker 1: so it's good. Let's end with a boost.
Speaker 2: Yeah, my office holiday party. So we are our team
Speaker 2: is growing, and I'm very very excited that we're doing
Speaker 2: it like a little office party this Friday. And it
Speaker 2: would be a good Like I've been talking about how
Speaker 2: hard we've been working, and I feel like everyone just
Speaker 2: deserves a night to kick back and have fun and
Speaker 2: have all the margarita's. We're going to a Mexican restaurant.
Speaker 1: We're going to do a digital one. So we did
Speaker 1: this thing like my team, like we used Elvester that
Speaker 1: I mentioned earlier, and so we're we're going to have
Speaker 1: a digital office party. I'm excited to see how it's
Speaker 1: gonna go.
Speaker 2: I don know how that goes because I feel awkward
Speaker 2: because we have part of our team is remote, and
Speaker 2: I'm like, all right, maybe you don't post in the
Speaker 2: slack how much fun we're having.
Speaker 1: Oh you guys use slack too?
Speaker 2: Oh dad who doesn't use slack and regard right?
Speaker 1: I love slack. I hope that you think slack is
Speaker 1: not public it, right. I hope they go public slack
Speaker 1: and buy their stock.
Speaker 2: I am done buying stock. Listen, I've all the stocks
Speaker 2: I chose this summer are just like crash and burned.
Speaker 2: And I'm like, I mean, I cut my losses. I
Speaker 2: didn't put that much in. But I'm like, let me
Speaker 2: just stick to index funds. I'm done. I don't have
Speaker 2: the times for a shout out to anyone who has
Speaker 2: the patience and picks good stocks. But I think I'm
Speaker 2: gonna just stick to my my target date fund. That's fine.
Speaker 1: Yeah, No, I'm gonna I'm starting to get into index
Speaker 1: funds a little bit more, but I still like to
Speaker 1: play with stocks just for fun. Like like you said, it's
Speaker 1: kind of like my the money is money.
Speaker 2: I don't like it. I want to play if I win.
Speaker 1: Oh well, it's been a good show.
Speaker 2: This is your warning a week and a half till Christmas.
Speaker 1: You guys, Yes, if you have not ordered your things
Speaker 1: from wherever you're ordering them from, you might want to do.
Speaker 2: This week just saying Amazon Prime.
Speaker 1: Yes for real. I'm actually like, I'm gonna take a
Speaker 1: day and be like, this is my Christmas shopping day.
Speaker 1: Online and sometimes I'll go like to the stores, but
Speaker 1: like only during the day, like like a Tuesday at too,
Speaker 1: when everyone's at work.
Speaker 2: I can't go to stores because I buy stuff for myself.
Speaker 2: That's my That's how I try and prevent myself from
Speaker 2: making bad decisions. Just don't put yourself in a situation
Speaker 2: where you make bad decisions like don't go to peer
Speaker 2: one or home goods by yourself.
Speaker 1: Yes, those stores now are so addictive now right, yes
Speaker 1: they are.
Speaker 2: Well, have a good rest of your week. And next
Speaker 2: week we will be the last week before Christmas, and
Speaker 2: we'll be taking a couple of weeks off, right, sure,
Speaker 2: little brown ambition break, our little holiday break.
Speaker 1: Okay, okay, good at least Navi that not yet six