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Speaker 1: Hey, hey, hey, we're back. We're black, We're broad and bision.

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Speaker 1: I wish like just for this part, well, do you

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Speaker 1: have to give me the log into the to the

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Speaker 1: Brodhabish and I g Manadra because I need for them

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Speaker 1: to see like this, just that part, like just how

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Speaker 1: much soul I put into my body for them, Like when.

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Speaker 2: I want to say, you know you have the log

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Speaker 2: in I do.

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Speaker 1: I don't even remember.

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Speaker 2: I know you don't remember, but you have them. You

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Speaker 2: could find them. They're somewhere in the Middle Earth that

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Speaker 2: is Google Drive.

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Speaker 1: How are you just.

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Speaker 2: Trying to stay alive in this world? I mean, I

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Speaker 2: cannot believe we're I it feels like we've gone back

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Speaker 2: in time and we're at the beginning of Marchigan when

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Speaker 2: when the world was ending. And I'm just like, how

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Speaker 2: is America still not putting on a damn face mask.

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Speaker 2: It's sad, It's real, real sad. But let's see some

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Speaker 2: bright spots have happened. Last week I talked about we

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Speaker 2: had a general primary, not a general election primary, but

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Speaker 2: a primary in our in New York last week, and

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Speaker 2: mondere Jones was this uh. He was running for a

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Speaker 2: congressional seat and he won and he could potentially be

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Speaker 2: if he wins in November the election, the first openly

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Speaker 2: black lgbt Q a member of Congress, which would be amazing.

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Speaker 2: So I would just like to in honor of Pride Month,

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Speaker 2: and I think today is National Pride Day. I'm not

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Speaker 2: sure exactly, just honor mondare Jones and he's from our county.

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Speaker 2: He's from our town, and I saw him speak at

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Speaker 2: a Black Lives Matter rally a couple of weeks ago

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Speaker 2: near our house, and he was really I mean, he's

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Speaker 2: just a great speaker, and I'm so proud of him

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Speaker 2: and so excited.

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Speaker 1: I think I think I saw that that post and

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Speaker 1: I think not post, but like I think I saw

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Speaker 1: that story on Facebook and I was like, Yes, the

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Speaker 1: people are speaking, they are speaking in the polls, and

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Speaker 1: I love it. I actually got a text the other

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Speaker 1: day that I was really grateful for because I you know,

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Speaker 1: I moved to this house last year, and then I

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Speaker 1: because up until literally last year, my address was still

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Speaker 1: quote unquote my parents' house. Even though I've moved several

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Speaker 1: times between moving out of home moving away from home,

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Speaker 1: I just never felt like any place I lived was

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Speaker 1: home enough to have my address, and so I got

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Speaker 1: my license in this address, and I just thought to

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Speaker 1: myself here in Newark, and I thought, wait, am I registered?

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Speaker 1: And sure enough, when I was thinking it, I got

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Speaker 1: this text saying, how are you registered to vote? Not sure?

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Speaker 1: Check here? And I did check, and I am registered

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Speaker 1: to vote here in Newark. So I'm like, yes, I'm

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Speaker 1: ready because our primaries are coming up very soon in

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Speaker 1: a couple of weeks. So and Superman has been registered

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Speaker 1: because he's born to raise here and he votes, and

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Speaker 1: so I'm just excited because I'm like, yes, this will

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Speaker 1: be my first time voting in Newark. I know exactly

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Speaker 1: where to go in Westfield, where my parents live, but

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Speaker 1: I'll have to do my Googles to see where I

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Speaker 1: go here. So yeah, I just I feel hopefully that

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Speaker 1: change gonna come, and it's going to come through these votes.

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Speaker 1: That if we could go out to march for Black

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Speaker 1: Lives Matter, we certainly obviously can go out to the polls,

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Speaker 1: and I believe that we will do so.

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Speaker 2: Even in our area. It felt, I mean, this was

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Speaker 2: our first time living here and actually voting in a

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Speaker 2: primary election. But the crowd was insane, and my neighbor

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Speaker 2: Miss Paulette, Hey, miss Paullette, who probably has no idea

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Speaker 2: how podcasts work or what they are, but she's amazing.

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Speaker 2: She's a Jamaican immigrant and she oh, I love her

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Speaker 2: so much and she I call her my little auntie.

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Speaker 2: She told me she's a oh crap. What are those

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Speaker 2: people she's been certified to administer? Like, what do you

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Speaker 2: call them? They're the people who are the Board of

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Speaker 2: Elections hire to be there at the polls. And anyway,

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Speaker 2: she's one of those people and she's been trained and certified.

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Speaker 2: And there was this huge dearth of these people who've

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Speaker 2: been certified this year, like they just didn't have enough,

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Speaker 2: and so they dramatically decreased the number of polling places

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Speaker 2: and you're seeing this across the country too. But she

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Speaker 2: told me that she really saw a difference this year

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Speaker 2: in the number of youths, young people who were coming

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Speaker 2: out fresh out of high school, you know, eighteen first election,

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Speaker 2: and that gives me a lot, a lot of hope.

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Speaker 2: So you have to get out there and vote. And

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Speaker 2: you're absolutely right if you've got cousins or young people

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Speaker 2: who are angry and out there protesting, I think this

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Speaker 2: is you know, this is the next step. People have

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Speaker 2: got to vote, so that gives me some hope. You know,

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Speaker 2: if we survive the rona, then maybe we can make

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Speaker 2: some change this November. If we get there, let's make it, y'all.

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Speaker 1: Yes, we gotta survive the rona. My, my, my, the rona. Yeah,

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Speaker 1: it's for those of you you're too young. There's like

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Speaker 1: my Sarona. I'm not only sure that means anyway.

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Speaker 2: I don't think anyone who listens to us is too

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Speaker 2: young for some people may in other news.

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Speaker 1: Yes, well, we've.

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Speaker 2: Both been going on our own own mortgage journey recently.

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Speaker 1: Do you notice s whight sidebar that we go on

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Speaker 1: journeys at similar times? Marry similar times, how similar times?

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Speaker 1: You know, it's just my time to have a baby

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Speaker 1: and then we'll be we'll be twin feaes.

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Speaker 2: You go ahead, just you know, what are you ugly?

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Speaker 2: Let me know you never know? Like so, but mortgage

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Speaker 2: rates have been going down, down, down, down, down down

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Speaker 2: down since I remember back in January or February starting

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Speaker 2: to get starting to get that, like through the fog

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Speaker 2: of my postpartum craziness, being like, should we be refinancing?

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Speaker 2: Mortgage rates are going down cut to six months later,

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Speaker 2: and I finally ran out of excuses in terms of

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Speaker 2: like I don't have the bandwidth, but rates were still

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Speaker 2: going down. They hit historic lows sub three percent last week,

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Speaker 2: and finally I got my stuff together and started my

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Speaker 2: mortgage refinance journey. So our our goal with doing the

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Speaker 2: mortgage refinance, which was different than yours, Tiffany, was to

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Speaker 2: reduce our monthly payment and to get a lower rate,

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Speaker 2: because we got our mortgage a couple of years ago

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Speaker 2: and our rate was four point four percent, I think,

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Speaker 2: and that was, you know, the best rate you can

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Speaker 2: get at the time. I was able, and I did

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Speaker 2: some shopping and just my experience doing shopping, Like I

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Speaker 2: got to tell you guys, first of all, it's a

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Speaker 2: lot of work, and they should be a lot more

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Speaker 2: patient with people who were trying to refinance right now

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Speaker 2: in the middle of a freaking pandemic, because it's when

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Speaker 2: do you have the time like I had. I've been

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Speaker 2: talking to these two companies, like going back and forth

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Speaker 2: with each other for the past maybe four weeks, you know,

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Speaker 2: a half hour conversation here, a twenty minute conversation there.

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Speaker 2: I'm telling you, it's actually a pretty good negotiating tactic,

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Speaker 2: like my own lack of availability because how many times

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Speaker 2: have I been told this rate's going to expire tonight? Yeah,

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Speaker 2: this rate is only going to be good through the weekend.

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Speaker 2: I'm like, well, sorry, I forgot And how about that rate? Oh,

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Speaker 2: actually it's gotten better.

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Speaker 1: Yeah I got that too. I was like, ooh, yes, ooh,

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Speaker 1: I can't promise, you know, And my thank goodness for Angelie,

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Speaker 1: my my financial planner. She's like, girl, the economies and shambles.

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Speaker 1: They're not raising rates anytime soon. If anything, they're likely

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Speaker 1: to go down. Let's tell them to settle down. Yeah, exactly.

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Speaker 1: You can't be pressured. So your journey was different because

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Speaker 1: you were doing a cash out REFI, which is when

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Speaker 1: you refinance and then you take out money from your equity,

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Speaker 1: so they give you money like cash in your pocket

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Speaker 1: that you can use for whatever purpose.

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Speaker 2: So what's what's going on with yours? Because I locked

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Speaker 2: in my rate last week and I'm almost across the

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Speaker 2: finish line and.

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Speaker 1: What was your rate? Oh?

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Speaker 2: Two point eight? Two point eight seventy five is our

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Speaker 2: interest rate in the APR, which is inclusive of fees

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Speaker 2: and other costs and stuff, is two point nine.

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Speaker 1: That's great mine. So I don't know if a cash

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Speaker 1: out REFI is different as far as rates, like you know,

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Speaker 1: like you know, sometimes certain things you're doing, like for examp, sure,

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Speaker 1: like if I'm if I was renovating my like my home,

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Speaker 1: like an investment property, rates are going to be higher

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Speaker 1: because they're like, oh, this is considered like a construction loan.

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Speaker 1: So I wonder. But anyway, my rate that had locked

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Speaker 1: in was three point twenty five. But like I said,

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Speaker 1: I don't know if that different because I was doing

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Speaker 1: a cash out REFI.

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Speaker 2: It's that it's also I mean there's so many that's

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Speaker 2: it's how much you're borrowing can influence your rate. It's

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Speaker 2: where you live. I mean it's hard. You can't really

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Speaker 2: compare apples to apples talking to someone else because you

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Speaker 2: can't just you can't like replicate the exact same variables,

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Speaker 2: especially if you're in different states. So don't. Yeah, you

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Speaker 2: know what's the best rate if you shop and you compare.

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Speaker 1: Exactly And I did, and I say, that was the

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Speaker 1: best rate that I think. I it was like it

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Speaker 1: was like three or four feet people we kind of

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Speaker 1: went through and that was the best rate, and plus

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Speaker 1: two like I said, are my credit score and Superman's

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Speaker 1: credit score of mine is like a I think, like

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Speaker 1: an eight osamon or something like that, and he's like

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Speaker 1: a seven ninety or something to that effect. So great credit.

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Speaker 1: We had all the things, so I was gung ho.

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Speaker 1: My plan was the house we purchased cash. We renovated

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Speaker 1: a cash so we you know, we don't have any mortgage.

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Speaker 1: So I was like, you know what, we've got money

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Speaker 1: sitting in the house. What if we pull it out

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Speaker 1: and then activate it, like, you know, invest it. We

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Speaker 1: are working on renovating a second property that we purchased

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Speaker 1: that ten thousand dollars taxied who brought from the city.

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Speaker 1: So the renovation it's like one fifty because it's like

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Speaker 1: it was basically a tear down, but it's a small,

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Speaker 1: one family and for one fifty we'll get it like

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Speaker 1: really like awesome, and it'll be worth about two twenty

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Speaker 1: five to fifty by the time we're done. So I

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Speaker 1: was like, oh, we'll put it out. We could put

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Speaker 1: some toward that and some other things. But the process

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Speaker 1: has taken longer than I thought, and I didn't like

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Speaker 1: the number that came back when we had the appraiser

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Speaker 1: come to the house, although that's not super critical only

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Speaker 1: because we're not selling. We would just be financing. But

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Speaker 1: really kind of like grinded my gears, if you will,

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Speaker 1: is they were like, I'd made a large deposit into

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Speaker 1: my savings account. I guess the one that I put

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Speaker 1: down as this is where I'm getting the money from,

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Speaker 1: or this is like to prove like I don't know,

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Speaker 1: I guess we have money, you know. And so I

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Speaker 1: made a large deposit. Because what happens is like I

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Speaker 1: would say, I do this thing called I called up

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Speaker 1: my allocations, and I usually do the monthly. Whereas I

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Speaker 1: get paid for my company in two ways. I get

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Speaker 1: paid a salary which is honestly fairly low, and then

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Speaker 1: I also get an owner's draw so the owner's draws.

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Speaker 1: When everything is said and done, we pay all the bills,

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Speaker 1: we said, aside for taxes, we said, it's by for savings,

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Speaker 1: we said, we said, said what's left, I as an

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Speaker 1: owner will draw you know, either some or whatever what's

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Speaker 1: left after all everything is paid, and so the owner's

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Speaker 1: draws can add up. And so what happened was I

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Speaker 1: had not allocated my owner's draws for months just because

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Speaker 1: it's just been so busy. So it was like from

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Speaker 1: not a few times, but tens of that. It was

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Speaker 1: thirty two thousand dollars and be all the way transfer

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Speaker 1: y'all know, I like numbers, but it was for months.

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Speaker 1: It wasn't like for one month. So it was thirty

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Speaker 1: two thousand dollars because it had been I had not

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Speaker 1: done it, I think an owner. I think I had

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Speaker 1: not done allocations since like December. So it was just

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Speaker 1: sitting sitting, sitting, and I was like, oh, you know,

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Speaker 1: I haven't made this transfer, collected all of my owner's

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Speaker 1: draw money that was sitting in my checking account. I

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Speaker 1: was like, I'm going to put it in my savings

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Speaker 1: and they were like, dud dude, red flag, where'd you

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Speaker 1: get this money from. I was like, oh, I have

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Speaker 1: a business, as you know, because I filled out the paperwork.

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Speaker 1: Here it came my business show us. So I showed

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Speaker 1: how the business depositive money in my my my big

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Speaker 1: bank account Wells Fargo, which I'm leaving but don't judge me,

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Speaker 1: but Wells Fargo, and how I transferred that Wells Fargo

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Speaker 1: money to my ally account, which is the account that

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Speaker 1: the bank has on like you know, on their lists

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Speaker 1: or whatever. And they were like, hmm, yeah, not good enough.

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Speaker 1: I would like to see all your business records from

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Speaker 1: the last I'm.

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Speaker 2: Like, what underwriting is no joke?

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Speaker 1: What I write that? Yes, So honestly, today I was

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Speaker 1: thinking about it and I said to myself self, because

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Speaker 1: so the house came back a praised at three ninety,

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Speaker 1: which to me it's ten to twenty thousand dollars low,

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Speaker 1: but whatever, and the intention was to pull out to

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Speaker 1: eighty five, and I was like, huh, so I just

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Speaker 1: was really thinking. I said, so it was going to

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Speaker 1: leave us with a mortgage about twelve hundred dollars a month,

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Speaker 1: because because we don't have a mortgage now, we pay

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Speaker 1: taxes out of pocket every quarter, and we paid insurance

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Speaker 1: at a pocket I just paid the insurance at lump

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Speaker 1: sum for the year. So twelve hundred is the reason why.

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Speaker 1: That's why that our mortgage is so low, because it

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Speaker 1: doesn't include taxes and insurance, which most mortgages include. So

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Speaker 1: twelve hundred is not an amount that is a stress

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Speaker 1: on our financial budget. But I thought, I'm gonna pull

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Speaker 1: out two eighty five, and the way the business is going,

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Speaker 1: I'm going to see that money back in a few

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Speaker 1: months plus some change. So why again am I pulling

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Speaker 1: it out to have a more you know what I mean?

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Speaker 1: I just so I called Angelie, who's my financial planner,

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Speaker 1: and I said, hey, Angelie, because even when I told

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Speaker 1: her about the cash out refine and what did she thinks?

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Speaker 1: She was like okay, but she's like, I know how

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Speaker 1: you feel about debt.

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Speaker 2: You sure?

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Speaker 1: And I was like, yes, because I can put that

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Speaker 1: money to work and it's cheap, and she was like okay.

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Speaker 1: So and I told her today, I said, I don't

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Speaker 1: know something about out them asking for like my life's

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Speaker 1: blood for proof just irritated me. And I don't think

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Speaker 1: I want to do it. And she's like, honestly, Tiffany,

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Speaker 1: it's not bad or good, like you certainly can just

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Speaker 1: you know, and you know the next six months actually

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Speaker 1: put that amount of money toward towards, you know, your

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Speaker 1: investment strategy that we've set aside for you, or you

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Speaker 1: can pull that out now and then kind of pay

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Speaker 1: it back to yourself over time. But she's like, you

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Speaker 1: don't need to, you know, if you're if you're not

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Speaker 1: feel uncomfortable. So I decided I didn't I have to

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Speaker 1: write my mortgage comb so he'll be thrilled, but I'm

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Speaker 1: not going to do the cash out refine. I did

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Speaker 1: pay for the appraisal, but whatever.

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Speaker 2: Do you think it was a little bit of the

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Speaker 2: because I think there's so much like people are talking

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Speaker 2: about how low rates are and there's a little bit

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Speaker 2: of like it's like kind of like you're missing out

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Speaker 2: on a sale.

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Speaker 1: You know.

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Speaker 2: Do you think that was a little bit behind the

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Speaker 2: reason too, for y'all for you kind of going for

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Speaker 2: this because I don't. Because I also felt like the

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Speaker 2: pure pressure everyone's that everyone at work is talking, especially

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Speaker 2: at my company, Lending Tretey. You know, we're all about mortgage.

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Speaker 2: So I have been like, I mean, I talked to

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Speaker 2: my mortgage team and they're all excited about it and

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Speaker 2: you know, and that got me. But luckily I didn't

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Speaker 2: have time to get around to her like a long time.

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Speaker 1: It was a mix. It was it was that and

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Speaker 1: I'm not gonna lie, it was the market. I was like, ah,

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Speaker 1: am I missing out? Because I thought to myself, in

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Speaker 1: six months, who knows what the market's gonna do? Am

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Speaker 1: I missing out on? Like the market deals? Now? So

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Speaker 1: I can put this money to work. Now, you know,

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Speaker 1: even though Angelie likely wasn't going to just throw that

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Speaker 1: amount of leney into the market. She was going to

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Speaker 1: like do some dollar cost averaging and like, you know,

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Speaker 1: put money in regularly, just a larger lump sum.

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Speaker 2: Oh okay, So I missed that. So you were going

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Speaker 2: to take money out from your equity and then you

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Speaker 2: were going to invest it, like put it in the market,

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Speaker 2: because I.

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Speaker 1: Figured that, like, well, if I borrow at three point

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Speaker 1: two five percent, I can certainly make more than three

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Speaker 1: point twenty five in the market. This money's being wasted

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Speaker 1: sitting in the house.

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Speaker 2: Okay, So now I'm stressed. Now I'm like, okay, I see, but.

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Speaker 1: Do you see I was like, wait, and so.

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Speaker 2: Yeah, sense if you have the tolerance for it, but

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Speaker 2: you trusted your gut, it sounds like.

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Speaker 1: Yeah, and you know, I mean maybe we're on the

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Speaker 1: same page about debt. Don't nobody want that? And I

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Speaker 1: was like, oh, you know, And I was just like, and.

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Speaker 2: It's one thing to know intellectually that average stock market

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Speaker 2: return of seventy eight percent, but then it's like it's

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Speaker 2: the stomach. Can your stomach asks the risk, you know.

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Speaker 1: And also too, there's something that I like about and

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Speaker 1: that's what Angelie said, which I really that's why I

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Speaker 1: like her as my financial planner because she she leaves

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Speaker 1: room for, you know, the part of me that is like, Okay,

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Speaker 1: I know technically this makes sense, But Tiffany, she asked,

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Speaker 1: like several times, I know how you feel about debt.

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Speaker 1: I know how you like the safety of the fact

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Speaker 1: that your house is paid off because you did lose

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Speaker 1: your house during the last recession. Are you going to

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Speaker 1: be okay with that? And I was like, sure, yea,

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Speaker 1: ya ya yea, yeah, yeah, yah yah, yeah, yeah, yeah

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Speaker 1: yeah yea.

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Speaker 2: Millions and millions of people do this all the time.

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Speaker 2: I can do it, I know.

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Speaker 1: And then I started to think about it and I say,

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Speaker 1: you know what, I don't think I'm gonna be okay

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Speaker 1: with that because I just, you know, the last recession

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Speaker 1: did shake me to the core, and it's okay to

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Speaker 1: admit that. Yes, technically, is there a better place for

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Speaker 1: my money, Yes, but it's not the worst thing, you know,

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Speaker 1: not to jump into the market right now. And the

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Speaker 1: truth is I am putting a significant amount toward it's

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Speaker 1: just it won't be a lump sum it'll just be.

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Speaker 1: And the truth is, Angelie wasn't gonna take the whole

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Speaker 1: lump sum and throw it to the market at one time.

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Speaker 1: She was going to employ dollar cost averaging, which is

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Speaker 1: when you put in consistently put in basically during the

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Speaker 1: same time a month, like maybe it's twice a month,

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Speaker 1: or the fifth and the sixth or the or just

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Speaker 1: once a month, but you basically put money in at

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Speaker 1: the same time every month, and you can increase the amount,

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Speaker 1: but basically what you're doing is you dollar cost averaging

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Speaker 1: versus timing the market. People time the market like I

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Speaker 1: put money in now because the market is low, it's

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Speaker 1: gonna pop tomorrow. You don't know for sure if you

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Speaker 1: time the market, if you're going to be at the

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Speaker 1: right time. But with dollar cost averaging, if you put

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Speaker 1: your money in on the fifteenth of every month, there

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Speaker 1: are gonna be some times that you get the market

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Speaker 1: when it's low, there'll be some times you get the

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Speaker 1: market when it's high, and on average you will get

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Speaker 1: the average return by by nature of just just consistently

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Speaker 1: putting your money in around the same time every month.

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Speaker 1: And so she was going to do that anyway. So

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Speaker 1: I was like well, why give her a lump sum

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Speaker 1: if she's going to be putting aside, like do dollar

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Speaker 1: cost averaging with this lump sum when I can just

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Speaker 1: then give her the amount of what that would be

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Speaker 1: monthly anyway, and so and then feel safer about, you know,

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Speaker 1: not having a mortgage. So, yeah, I made that decision

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Speaker 1: today and it was a it was a it was

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Speaker 1: a goods one. But definitely refinancing right now. If you're

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Speaker 1: interest you can save one percent or yeah, one percent,

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Speaker 1: two percent. A friend of mine refinance, she's saving four

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Speaker 1: hundred bucks a month. That's that's not a small change.

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Speaker 2: Oh, that's that's huge. Yeah, and I want to so

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Speaker 2: let me So that's a really great story. And I

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Speaker 2: think Tiffany, I mean not so much of who you

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Speaker 2: are and your ethos is around not owing money and

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Speaker 2: you know, being debt free. And I'm glad that you

387
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Speaker 2: stuck to what makes you comfortable because you can still win.

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Speaker 2: It's just a different way of winning. You don't have

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Speaker 2: to do it everyone else's way. So I'm proud of you.

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Speaker 2: Let's look at you saying no to the banks. Also,

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Speaker 2: I kind of feel like when you had to answer

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Speaker 2: to a bank, it just got it ruffled you because

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Speaker 2: I mean, you built your own company, so you have

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Speaker 2: to answer to anybody like you're the boss, and now

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Speaker 2: they're trying to tell you to show your work, and

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Speaker 2: you're like, how, I kind of feel like this was

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Speaker 2: you like a reminder that, Okay, this is why I

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Speaker 2: don't owe anybody anything. I'm the GDP budget neista and

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Speaker 2: I'm debt free. Just a little bit, am I projecting?

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Speaker 2: Or is that part of it too? No?

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Speaker 1: I just honestly, I'm still trying to work through my

402
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Speaker 1: working from a place of fear, and so I need

403
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Speaker 1: I realized financially, I need to feel safe more than

404
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Speaker 1: I need to feel wealthy. Like that doesn't move me

405
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Speaker 1: because to me, wealthy rich, that's subjective that can go

406
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Speaker 1: at any time. I don't care about that, you know,

407
00:19:02,640 --> 00:19:06,440
Speaker 1: I care about security and safety. And I realized that

408
00:19:06,920 --> 00:19:08,800
Speaker 1: in the quest for like, oh, I'm gonna put this

409
00:19:08,840 --> 00:19:11,440
Speaker 1: money to work it to make me my returns. I'm like, yeah, girl,

410
00:19:11,440 --> 00:19:13,240
Speaker 1: but is that how you're gonna Is that gonna help

411
00:19:13,240 --> 00:19:15,760
Speaker 1: you sleep at night knowing you're making seven percent on

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00:19:15,920 --> 00:19:18,520
Speaker 1: money that you've borrowed from three percent? No, what's gonna

413
00:19:18,520 --> 00:19:20,240
Speaker 1: make you sleep? Well at night is knowing that your

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Speaker 1: house is paid off and that you are working towards

415
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Speaker 1: your goals, but slow and steady, and so you know,

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Speaker 1: and there's nothing wrong with that. There's only something wrong

417
00:19:29,320 --> 00:19:32,439
Speaker 1: when it, you know, it really does start to hinder you.

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Speaker 1: Like before I met Angelie, when I was just saving everything,

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Speaker 1: I had like four years worth of savings in my

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Speaker 1: savings account, and I knew, girl, this doesn't make any sense.

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Speaker 1: This money is literally losing its value year after year.

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Speaker 1: So that I knew. So that although it adhere to

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Speaker 1: my sense of safety, I know, I knew I'd gone

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Speaker 1: to extreme with it. And so I'm still, you know,

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Speaker 1: I'm trying to balance and manage that feeling. But yeah,

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Speaker 1: I definitely don't feel like bad as much. It's to

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Speaker 1: I feel like anybody trying to be homeless.

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Speaker 2: Oh okay, all right, well okay, so I opposite. Today

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Speaker 2: I finally finished my paperwork and got to the next

430
00:20:09,320 --> 00:20:12,640
Speaker 2: step in the underwriting process. So, like I said, we

431
00:20:12,640 --> 00:20:14,640
Speaker 2: were aiming to reduce our rate. We had a four

432
00:20:14,680 --> 00:20:17,359
Speaker 2: point three seven five We were able to secure a

433
00:20:17,440 --> 00:20:19,879
Speaker 2: two point nine to five to two APR that the

434
00:20:19,960 --> 00:20:22,840
Speaker 2: interest rate was two point eight seven five so, and

435
00:20:22,920 --> 00:20:24,399
Speaker 2: I wanted to and I want to talk about this

436
00:20:24,440 --> 00:20:26,719
Speaker 2: because my parents are My mom and my stepdad are

437
00:20:26,760 --> 00:20:29,880
Speaker 2: also trying to refinance right now and they just bought

438
00:20:29,920 --> 00:20:31,600
Speaker 2: their house less than a year ago. But that's how

439
00:20:31,720 --> 00:20:34,679
Speaker 2: different their rates are today. And they actually were approached

440
00:20:34,680 --> 00:20:36,440
Speaker 2: by a lender, like they didn't even go out to

441
00:20:36,480 --> 00:20:39,119
Speaker 2: shop for a mortgage refive. Lenders were straight up, oh,

442
00:20:39,200 --> 00:20:40,840
Speaker 2: you can save this much on your rate. I'm going

443
00:20:40,880 --> 00:20:43,960
Speaker 2: to actively call and recruit people because they know that

444
00:20:44,000 --> 00:20:46,119
Speaker 2: everyone's talking about this and they're trying to get new

445
00:20:46,160 --> 00:20:48,840
Speaker 2: customers because even if rates are really low, that means

446
00:20:48,880 --> 00:20:51,240
Speaker 2: the borrowing is cheap for us. But the banks still

447
00:20:51,280 --> 00:20:54,120
Speaker 2: make hundreds of thousands of dollars depending on the size

448
00:20:54,119 --> 00:20:55,879
Speaker 2: of your mortgage over those thirty years that you're going

449
00:20:55,960 --> 00:20:58,840
Speaker 2: to carry it, right, And I've also seen some people

450
00:20:58,920 --> 00:21:01,040
Speaker 2: who have you know, you've owned your home for a

451
00:21:01,119 --> 00:21:03,800
Speaker 2: lot longer, it may work out for you because rates

452
00:21:03,840 --> 00:21:06,840
Speaker 2: tend to be lower for a fifteen year mortgage if

453
00:21:06,840 --> 00:21:09,760
Speaker 2: you refinance into a fifteen year loan and then you know,

454
00:21:09,840 --> 00:21:12,720
Speaker 2: reduce your rate and all that. So there's a bunch

455
00:21:12,720 --> 00:21:14,760
Speaker 2: of different strategies when it comes to refinance. But in

456
00:21:14,800 --> 00:21:18,119
Speaker 2: our particular case, it was about lowering the rate, lowering

457
00:21:18,119 --> 00:21:21,600
Speaker 2: our monthly mortgage costs. And I started my journey through

458
00:21:21,640 --> 00:21:25,000
Speaker 2: my company. It's called lending Tree, where a marketplace where

459
00:21:25,000 --> 00:21:28,399
Speaker 2: you can shop and compare rates for different loans. And

460
00:21:28,440 --> 00:21:30,120
Speaker 2: so I was like, let me use my own company,

461
00:21:31,080 --> 00:21:35,800
Speaker 2: and lending Tree matched me with two lenders. The best

462
00:21:35,800 --> 00:21:38,640
Speaker 2: negotiating strategy is to at least get two quotes, two

463
00:21:38,760 --> 00:21:41,600
Speaker 2: at a minimum. I stuck with two because it's all

464
00:21:41,640 --> 00:21:44,919
Speaker 2: I freaking had time for. So very quickly, I had

465
00:21:44,960 --> 00:21:47,520
Speaker 2: the loan estimate. And the loan estimate is all you need.

466
00:21:47,520 --> 00:21:48,880
Speaker 2: And this is what I was trumpling my mom about.

467
00:21:48,920 --> 00:21:51,119
Speaker 2: My mom is like she was on the phone with

468
00:21:51,200 --> 00:21:53,200
Speaker 2: them for thirty minutes, and I was like, just get

469
00:21:53,240 --> 00:21:55,920
Speaker 2: to the chase, Like they need your credit, give check

470
00:21:55,960 --> 00:21:57,600
Speaker 2: your credit, and they can give you a loan estimate.

471
00:21:57,640 --> 00:21:59,960
Speaker 2: They just need a few pieces of information. You know,

472
00:22:00,359 --> 00:22:03,240
Speaker 2: it's very quick. You don't need to waste your time

473
00:22:03,520 --> 00:22:06,640
Speaker 2: going through a long business pitch from the loan officer.

474
00:22:06,920 --> 00:22:09,480
Speaker 2: All you need just is like, give me the loan estimate,

475
00:22:09,760 --> 00:22:12,040
Speaker 2: take my info, yeah yeah, run my credit. It's fine,

476
00:22:12,359 --> 00:22:14,560
Speaker 2: give me a loan estimate. Because that is a document

477
00:22:14,880 --> 00:22:17,720
Speaker 2: that's standardized now as a result of the last housing crisis,

478
00:22:17,720 --> 00:22:21,240
Speaker 2: in the formation of the CFPP. Every lender has to

479
00:22:21,240 --> 00:22:22,600
Speaker 2: give you a loan estimate, which is going to have

480
00:22:22,680 --> 00:22:24,960
Speaker 2: your rate, it's going to have estimated closing costs, and

481
00:22:25,000 --> 00:22:28,600
Speaker 2: you can side by side compare one offer to another offer.

482
00:22:28,880 --> 00:22:32,280
Speaker 2: Funnily enough, I sent each I sent them each each

483
00:22:32,320 --> 00:22:34,359
Speaker 2: other's offer, and they wanted to get me on the phone,

484
00:22:34,800 --> 00:22:36,960
Speaker 2: but genuinely because I just didn't have time for more

485
00:22:36,960 --> 00:22:38,960
Speaker 2: phone calls. I was like, give me your email address.

486
00:22:39,000 --> 00:22:41,359
Speaker 2: I'm going to just email this attachment to you. Here's

487
00:22:41,400 --> 00:22:43,800
Speaker 2: their offer. I'm not playing any games here, you know,

488
00:22:43,880 --> 00:22:45,760
Speaker 2: I'm shopping. And as soon as I told him I

489
00:22:45,760 --> 00:22:48,040
Speaker 2: was shopping, I feel like I cut through so much

490
00:22:48,080 --> 00:22:51,199
Speaker 2: bullshit because they just knew, okay, let's just become with

491
00:22:51,200 --> 00:22:53,600
Speaker 2: our best and final, you know. I'm like, and I'm like,

492
00:22:53,800 --> 00:22:56,120
Speaker 2: it also helps having a screaming baby in the background.

493
00:22:56,160 --> 00:22:59,439
Speaker 2: I mean, I'm not saying to borrow someone's baby, but

494
00:22:59,640 --> 00:23:01,919
Speaker 2: it worked me. We were gogotiating our carle's and it

495
00:23:02,000 --> 00:23:04,080
Speaker 2: kind of worked for this whole mortgage thing too, because

496
00:23:04,359 --> 00:23:05,680
Speaker 2: they don't want to hear that baby in the back

497
00:23:05,840 --> 00:23:09,160
Speaker 2: end for a long time, so I was like, oh,

498
00:23:09,280 --> 00:23:13,200
Speaker 2: the baby is napping, Oh my god, the baby's crying. YadA, YadA, YadA.

499
00:23:13,920 --> 00:23:15,439
Speaker 2: So they just had them kind of go back and

500
00:23:15,440 --> 00:23:18,879
Speaker 2: forth with each other and over the course of like

501
00:23:18,880 --> 00:23:20,840
Speaker 2: I said, it was like four weeks. For me, it

502
00:23:20,920 --> 00:23:23,760
Speaker 2: was really about not letting them tell me whose timeline

503
00:23:23,760 --> 00:23:26,560
Speaker 2: I was going to go by, because even like even

504
00:23:26,560 --> 00:23:28,480
Speaker 2: when he said, oh, you need to like lock in

505
00:23:28,480 --> 00:23:31,200
Speaker 2: your rate by I talked to him on a Friday, oh,

506
00:23:31,280 --> 00:23:33,480
Speaker 2: locking your rate by Monday at nine am, and I

507
00:23:33,760 --> 00:23:35,600
Speaker 2: that deadline would come and go because I was just

508
00:23:35,600 --> 00:23:39,240
Speaker 2: busy feeding the baby and I'm like, hey, Jack, uh

509
00:23:39,359 --> 00:23:42,680
Speaker 2: is that rate so good? Like, oh, actually, worry you

510
00:23:42,680 --> 00:23:46,760
Speaker 2: want to knock off another half a percentage for oh miracle, Yeah,

511
00:23:46,760 --> 00:23:49,680
Speaker 2: a miracle on miracles because rates changed minute by minute,

512
00:23:49,760 --> 00:23:53,040
Speaker 2: day by day. So even like you know, they can

513
00:23:53,080 --> 00:23:54,639
Speaker 2: tell you that the rates, they don't know what the

514
00:23:54,640 --> 00:23:57,640
Speaker 2: market's going to do, so they really you know, yes,

515
00:23:57,720 --> 00:23:59,560
Speaker 2: rates can go up and you can get caught. But

516
00:23:59,600 --> 00:24:02,639
Speaker 2: it's like and he said right now, and they're not.

517
00:24:02,680 --> 00:24:04,840
Speaker 2: They're maybe going but like a little bit and every

518
00:24:04,920 --> 00:24:07,159
Speaker 2: day is a little bit different. But it's not so

519
00:24:07,320 --> 00:24:10,720
Speaker 2: crazy and volatile that you really are gonna miss out

520
00:24:11,200 --> 00:24:13,720
Speaker 2: entirely if you sleep on it, you know. So I'm

521
00:24:13,720 --> 00:24:15,800
Speaker 2: glad we stuck to our guns in that way, and

522
00:24:15,880 --> 00:24:19,159
Speaker 2: we're gonna, hopefully we're gonna get this thing refinanced and

523
00:24:19,200 --> 00:24:21,760
Speaker 2: save some money. Ultimately. I think we're gonna save like

524
00:24:21,800 --> 00:24:26,119
Speaker 2: two hundred and almost three hundred dollars a month. Offer

525
00:24:26,119 --> 00:24:30,000
Speaker 2: a mortgage payment, yes, what's really nice, which is real nice.

526
00:24:30,160 --> 00:24:32,800
Speaker 2: One thing I was thinking of doing, though, is if

527
00:24:32,800 --> 00:24:35,720
Speaker 2: you if I pretended like I never got a lower

528
00:24:35,760 --> 00:24:39,119
Speaker 2: mortgage payment and I just kept paying that extra you

529
00:24:39,119 --> 00:24:41,439
Speaker 2: know too, whatever a month, it would help us pay

530
00:24:41,480 --> 00:24:45,199
Speaker 2: the loandown faster. So I'm thinking if I, yeah, if

531
00:24:45,520 --> 00:24:47,639
Speaker 2: we just keep doing that, it would save us so

532
00:24:47,760 --> 00:24:51,160
Speaker 2: much down down the line, just extra couple hundred dollars

533
00:24:51,200 --> 00:24:53,240
Speaker 2: a month, you know. But of course, if you need

534
00:24:53,240 --> 00:24:55,240
Speaker 2: that money for whatever other reasons, it's great to have

535
00:24:55,320 --> 00:24:56,399
Speaker 2: that money back in your pocket.

536
00:24:57,359 --> 00:25:00,280
Speaker 1: No, it is honestly that it made that I can

537
00:25:00,320 --> 00:25:02,159
Speaker 1: just make the difference between somebody being able to make

538
00:25:02,160 --> 00:25:06,480
Speaker 1: their payment or not, you know. So, I just I

539
00:25:06,520 --> 00:25:09,919
Speaker 1: think that it's just such an interesting time when it

540
00:25:09,960 --> 00:25:11,000
Speaker 1: comes to like mortgages.

541
00:25:12,040 --> 00:25:14,520
Speaker 2: It's stressful. But I also just want to reiterate, if

542
00:25:14,560 --> 00:25:16,160
Speaker 2: you don't have the time or the energy to really

543
00:25:16,200 --> 00:25:20,000
Speaker 2: shop at minimum two, but hopefully three lenders, you know,

544
00:25:20,119 --> 00:25:24,600
Speaker 2: credit Union, an online bank, traditional bank, whatever, you don't

545
00:25:24,600 --> 00:25:26,800
Speaker 2: have time to compare and shop rates, then you don't

546
00:25:26,840 --> 00:25:29,479
Speaker 2: have time to just don't bother because that is the

547
00:25:29,480 --> 00:25:32,320
Speaker 2: best way to get a good deal. And even if

548
00:25:32,320 --> 00:25:34,520
Speaker 2: you use a marketplace like lending Tree or you do

549
00:25:34,560 --> 00:25:36,280
Speaker 2: it on your own, you just call the banks yourself

550
00:25:36,359 --> 00:25:39,760
Speaker 2: or you apply online, do yourself that favor and let

551
00:25:39,760 --> 00:25:42,680
Speaker 2: them know you're shopping and make them compete for your business,

552
00:25:42,680 --> 00:25:45,080
Speaker 2: because that is ultimately how you get the best deals

553
00:25:45,440 --> 00:25:48,880
Speaker 2: hands down. All right, that's enough about my damn mortgage, right, No?

554
00:25:49,119 --> 00:25:51,320
Speaker 1: I mean I think that's because truthfully, it's one of

555
00:25:51,320 --> 00:25:53,320
Speaker 1: the biggest things that people ask me right now, my mortgage,

556
00:25:53,359 --> 00:25:56,600
Speaker 1: my mortgage, my mortgage, because we are at a record

557
00:25:56,720 --> 00:25:59,960
Speaker 1: I can't remember the number, but the amount of people

558
00:26:00,119 --> 00:26:04,480
Speaker 1: that missed their mortgage payment. So I think there's really

559
00:26:04,760 --> 00:26:07,520
Speaker 1: no more timely conversation than your mortgage.

560
00:26:07,560 --> 00:26:10,160
Speaker 2: So well, I'm gonna well, if that's the case, because

561
00:26:10,200 --> 00:26:15,399
Speaker 2: mortgage missing your mortgage payment, there are lenders have do

562
00:26:15,520 --> 00:26:18,760
Speaker 2: have mortgage for Baron's options, So that's where you can

563
00:26:18,880 --> 00:26:20,919
Speaker 2: put your mortgage payment on pause if you're dealing with

564
00:26:20,960 --> 00:26:24,199
Speaker 2: some kind of hardship. And I'll include a link to

565
00:26:24,560 --> 00:26:27,200
Speaker 2: our guide to Mortgage for Barons, because one thing that

566
00:26:27,200 --> 00:26:29,760
Speaker 2: people don't realize is it's not like you never owe

567
00:26:29,800 --> 00:26:32,600
Speaker 2: that money. They just say, Okay, well, you know, you

568
00:26:32,600 --> 00:26:34,719
Speaker 2: can skip the next couple of mortgage payments, but then

569
00:26:34,800 --> 00:26:37,040
Speaker 2: all that money is going to be due in three

570
00:26:37,080 --> 00:26:39,560
Speaker 2: months or four months. So it can be helpful, but

571
00:26:39,600 --> 00:26:42,040
Speaker 2: you should know the risks and the pros and cons.

572
00:26:42,280 --> 00:26:44,200
Speaker 2: And on top of that, there's other ways to get

573
00:26:45,080 --> 00:26:47,560
Speaker 2: some mortgage reliefs, and especially in light of COVID, So

574
00:26:48,119 --> 00:26:50,280
Speaker 2: I'll we can put a link to that article in

575
00:26:50,320 --> 00:26:52,280
Speaker 2: the show notes for folks. And yeah, if you guys

576
00:26:52,320 --> 00:26:55,240
Speaker 2: have questions about you know, if you're struggling, you're not

577
00:26:55,280 --> 00:26:57,520
Speaker 2: making your mortgage payment or whatnot, hit us up at

578
00:26:57,520 --> 00:27:01,600
Speaker 2: Brandon Mission Podcast at gmail dot com dot com. Hopefully

579
00:27:01,600 --> 00:27:03,880
Speaker 2: we can help you guys out. I haven't gotten any

580
00:27:03,960 --> 00:27:05,600
Speaker 2: questions from folks about that quite yet.

581
00:27:05,800 --> 00:27:08,320
Speaker 1: Okay, well, what questions do we get? See you see

582
00:27:08,320 --> 00:27:08,880
Speaker 1: what I did there?

583
00:27:09,080 --> 00:27:10,840
Speaker 2: No, I see what you Let's take a quick break

584
00:27:10,840 --> 00:27:45,680
Speaker 2: and I'll come back and I'll tell you. All right,

585
00:27:45,960 --> 00:27:49,679
Speaker 2: let's go to uh Rita questions again. You guys can

586
00:27:49,720 --> 00:27:53,159
Speaker 2: hit us up Brandambission Podcast at gmail dot com Old School,

587
00:27:53,280 --> 00:27:56,240
Speaker 2: or you can go to Instagram. We're at Brandimission Podcast

588
00:27:56,280 --> 00:27:59,040
Speaker 2: on the gram or sorry on Insta? Is that what

589
00:27:59,080 --> 00:28:01,960
Speaker 2: the kids say? You can send us a DM there

590
00:28:02,000 --> 00:28:03,760
Speaker 2: and we'll try to get to your question. I pulled

591
00:28:03,800 --> 00:28:08,560
Speaker 2: from our email today and let me see we have Oh,

592
00:28:08,640 --> 00:28:12,400
Speaker 2: this actually came through Insta and email. I saw this.

593
00:28:12,400 --> 00:28:14,120
Speaker 2: This is a cool question because I had never heard

594
00:28:14,160 --> 00:28:16,520
Speaker 2: of this, Tiffany, but I hear that you might. Okay,

595
00:28:16,680 --> 00:28:19,760
Speaker 2: This listener, who wants to remain anonymous, says, hi, ladies,

596
00:28:19,800 --> 00:28:22,800
Speaker 2: have you ever heard of Susu? Yes, my sister friend

597
00:28:22,840 --> 00:28:26,399
Speaker 2: presented this to me. Have you heard of Susu? Is

598
00:28:26,440 --> 00:28:28,480
Speaker 2: it like a Ponzi scheme or a pyramid scheme?

599
00:28:28,960 --> 00:28:31,880
Speaker 1: What my guys thinks, Well, somebody who's actually emailed me this,

600
00:28:31,920 --> 00:28:34,600
Speaker 1: so Susu is. I used to think it because I

601
00:28:34,640 --> 00:28:36,040
Speaker 1: was a kid. I heard it all the time, so

602
00:28:36,080 --> 00:28:37,760
Speaker 1: I thought it was like an Ebo word or a

603
00:28:37,800 --> 00:28:41,000
Speaker 1: Nigerian word. But it's not. Apparently a lot of West

604
00:28:41,040 --> 00:28:43,560
Speaker 1: Indians used the same word. So susu is a round

605
00:28:43,640 --> 00:28:46,960
Speaker 1: robin with your money. I'm not sure where it originated from,

606
00:28:47,000 --> 00:28:51,160
Speaker 1: but a lot of immigrants folks do susue. My parents

607
00:28:51,160 --> 00:28:53,720
Speaker 1: still do susu. So what it is, Mandy, is that

608
00:28:54,280 --> 00:28:57,000
Speaker 1: it's I'll give just an example how it can work.

609
00:28:57,040 --> 00:28:59,800
Speaker 1: Like when my friend parents first came here, it was

610
00:28:59,840 --> 00:29:02,480
Speaker 1: just ten families and everybody put in fifty bucks a

611
00:29:02,480 --> 00:29:04,280
Speaker 1: month and they would rotate who would get that pot

612
00:29:04,320 --> 00:29:06,760
Speaker 1: of fifty So you're not making any money, you're not

613
00:29:06,760 --> 00:29:10,320
Speaker 1: losing any money, you're just the money is just passing hands.

614
00:29:10,360 --> 00:29:14,040
Speaker 1: And so my parents were in a sushu for like

615
00:29:14,080 --> 00:29:17,960
Speaker 1: the last thirty something years. So it's the same for

616
00:29:19,240 --> 00:29:22,800
Speaker 1: typical susus that are done in this way. It's a

617
00:29:22,800 --> 00:29:25,080
Speaker 1: group of people that know each other because the community

618
00:29:25,120 --> 00:29:28,360
Speaker 1: holds you accountable. So because if you do a susu,

619
00:29:28,400 --> 00:29:30,200
Speaker 1: a stranger somebody could just take your money and go.

620
00:29:30,560 --> 00:29:33,200
Speaker 1: But like for us, it was actually also too with

621
00:29:33,240 --> 00:29:36,480
Speaker 1: lots of immigrants. It's a very social activity and that

622
00:29:37,040 --> 00:29:40,360
Speaker 1: with susu, when it was your turn to receive the money,

623
00:29:40,640 --> 00:29:43,160
Speaker 1: you would actually host us the family, so this is

624
00:29:43,160 --> 00:29:45,400
Speaker 1: how I came to know like some of my cousins,

625
00:29:45,400 --> 00:29:46,920
Speaker 1: I thought they were my real cousins and aunts and

626
00:29:46,960 --> 00:29:49,440
Speaker 1: uncles because that's what we were made to call everyone,

627
00:29:49,640 --> 00:29:52,719
Speaker 1: not realizing until we were older that you're not related

628
00:29:52,720 --> 00:29:56,680
Speaker 1: by blood. But we would go every every month, we

629
00:29:56,720 --> 00:29:59,080
Speaker 1: would go to a different house and that would be

630
00:29:59,080 --> 00:30:01,920
Speaker 1: the house that was received being the SUSU money. But

631
00:30:02,040 --> 00:30:03,800
Speaker 1: we would eat and we would dance and the kids

632
00:30:03,800 --> 00:30:06,959
Speaker 1: would play. It was very social then it was awesome

633
00:30:07,000 --> 00:30:08,560
Speaker 1: and so but it was a way that they started

634
00:30:08,560 --> 00:30:11,800
Speaker 1: to start building, Like you know, one it was like, oh,

635
00:30:12,400 --> 00:30:14,320
Speaker 1: it went from fifty bucks, then it's to one hundred,

636
00:30:14,440 --> 00:30:16,720
Speaker 1: then five hundred to one thousand, so I remember, I

637
00:30:16,720 --> 00:30:18,800
Speaker 1: think at one point it might have even been two thousand,

638
00:30:19,000 --> 00:30:20,640
Speaker 1: where it was a thousand to the SUSU and a

639
00:30:20,720 --> 00:30:23,600
Speaker 1: thousand to an investment. My dad was in charge of

640
00:30:23,640 --> 00:30:26,360
Speaker 1: it since he was the CFOE, so he would take

641
00:30:26,400 --> 00:30:29,600
Speaker 1: the money and they actually created an investment club, which

642
00:30:29,640 --> 00:30:33,640
Speaker 1: was awesome. So no, susus are not by nature or

643
00:30:33,640 --> 00:30:37,239
Speaker 1: by design pyramid schemes because there is no pyramid in

644
00:30:37,280 --> 00:30:39,520
Speaker 1: that you don't have to bring someone in in order

645
00:30:39,520 --> 00:30:42,000
Speaker 1: to receive your money. It's the same group of people.

646
00:30:42,360 --> 00:30:44,479
Speaker 1: But I told, like I told the woman who emailed

647
00:30:44,480 --> 00:30:47,320
Speaker 1: me asking about susu, is that to me, the best

648
00:30:47,320 --> 00:30:51,840
Speaker 1: susu's work with the people that you intimately know, meaning

649
00:30:51,960 --> 00:30:55,320
Speaker 1: like you know, this is my family exactly. Like I said,

650
00:30:55,360 --> 00:30:57,480
Speaker 1: we did the SUSU like we're coming to your house.

651
00:30:57,800 --> 00:31:00,360
Speaker 1: So it would be really weird if like you just

652
00:31:00,520 --> 00:31:02,520
Speaker 1: ate at our house and all of a sudden, you know,

653
00:31:02,600 --> 00:31:04,200
Speaker 1: you're gone when it's time for us to eat at

654
00:31:04,200 --> 00:31:06,120
Speaker 1: your house, you know what I mean. Like the community

655
00:31:06,120 --> 00:31:08,600
Speaker 1: really keeps you honest. So that's what I say, because

656
00:31:08,600 --> 00:31:11,280
Speaker 1: I've seen online susus Now there's like actually like websites

657
00:31:11,320 --> 00:31:13,680
Speaker 1: and things, but I'm not doing the susu with unknowns

658
00:31:13,920 --> 00:31:16,520
Speaker 1: because you know it just you can easily just not

659
00:31:16,520 --> 00:31:19,480
Speaker 1: get your money back. So yeah, at its core and

660
00:31:19,640 --> 00:31:23,360
Speaker 1: and how it was designed, susu's are are perfectly safe

661
00:31:23,400 --> 00:31:28,480
Speaker 1: and actually great ways for collective economics to work in

662
00:31:28,520 --> 00:31:31,320
Speaker 1: a community. But you know, any like anything, it can

663
00:31:31,360 --> 00:31:32,800
Speaker 1: be turned into a scam of the wrong.

664
00:31:32,600 --> 00:31:35,320
Speaker 2: People get involved, Yeah, and be very careful, and it

665
00:31:35,360 --> 00:31:37,440
Speaker 2: sounds like there's probably no protections like you did with

666
00:31:37,440 --> 00:31:39,040
Speaker 2: the break of their bank account, like where you have

667
00:31:39,160 --> 00:31:43,240
Speaker 2: FDIC insurance and exactly you're covered. Yeah, so be careful.

668
00:31:43,480 --> 00:31:45,640
Speaker 2: It sounds interesting though, I mean, it also sounds like

669
00:31:46,560 --> 00:31:48,840
Speaker 2: it sounds like the core of so many small communities

670
00:31:48,880 --> 00:31:51,080
Speaker 2: where it's just communities helping each other, which is kind

671
00:31:51,080 --> 00:31:51,760
Speaker 2: of beautiful to me.

672
00:31:52,000 --> 00:31:54,719
Speaker 1: It is. Honestly, it's like barn raising, like you know,

673
00:31:54,840 --> 00:31:58,040
Speaker 1: in like like the Pennsylvania Dutch how they you know,

674
00:31:58,080 --> 00:32:00,360
Speaker 1: they do barn raising together and they or they have

675
00:32:00,440 --> 00:32:02,320
Speaker 1: people used to have rent parties and so it's very

676
00:32:02,360 --> 00:32:05,480
Speaker 1: reminiscent of like that old school, like you said, Mandy,

677
00:32:05,520 --> 00:32:08,400
Speaker 1: community is taking care of each other because they didn't

678
00:32:08,440 --> 00:32:12,000
Speaker 1: have access to loans and funds and things like that.

679
00:32:12,040 --> 00:32:14,880
Speaker 1: So you know, but that's why it was great, because

680
00:32:14,880 --> 00:32:17,320
Speaker 1: it was like, you live here, so if you're gonna

681
00:32:17,400 --> 00:32:20,360
Speaker 1: rob the person, we're gonna see you at church next week,

682
00:32:20,720 --> 00:32:22,680
Speaker 1: and your kids are go to school with my kids.

683
00:32:22,760 --> 00:32:25,200
Speaker 1: So there's no place to really to run and hide

684
00:32:25,720 --> 00:32:26,840
Speaker 1: in that instance.

685
00:32:27,240 --> 00:32:30,520
Speaker 2: Yeah. All right, well that's beautiful. Thank you. Hopefully that

686
00:32:30,560 --> 00:32:32,520
Speaker 2: was that answered your question. I'm pretty sure it's probably

687
00:32:32,520 --> 00:32:34,479
Speaker 2: the same person. She was like, let me hit up

688
00:32:34,520 --> 00:32:39,400
Speaker 2: a point of communication. Love that persistence, all right, I

689
00:32:39,440 --> 00:32:41,840
Speaker 2: learned something new today, and that's Susue. S o U,

690
00:32:41,880 --> 00:32:45,400
Speaker 2: s o U. All right, let's take another question. This

691
00:32:45,560 --> 00:32:47,960
Speaker 2: listener wants to go by the name Autumn. I love

692
00:32:48,000 --> 00:32:49,520
Speaker 2: the show and I can't get enough of it. You

693
00:32:49,640 --> 00:32:53,000
Speaker 2: ladies are heaven to listen to. As you're both people managers.

694
00:32:53,000 --> 00:32:55,840
Speaker 2: I'd like your opinion for a manager's perspective. If this

695
00:32:55,920 --> 00:32:58,520
Speaker 2: gets read on the show, it is Hello, you made it, Autumn.

696
00:32:58,560 --> 00:33:01,959
Speaker 2: You're here, okay, Jesus. I am a black female in

697
00:33:02,000 --> 00:33:05,160
Speaker 2: my late twenties working in IT in Atlanta. I've made

698
00:33:05,200 --> 00:33:08,200
Speaker 2: bad choices in who I work for not doing enough research,

699
00:33:08,240 --> 00:33:11,200
Speaker 2: but also not really knowing what cultural fit meant to me.

700
00:33:11,600 --> 00:33:14,000
Speaker 2: I have lately been wanting to focus on settling in

701
00:33:14,040 --> 00:33:17,080
Speaker 2: at a company long term. However, I work at a

702
00:33:17,200 --> 00:33:19,200
Speaker 2: very young company right now, and I've been here for

703
00:33:19,240 --> 00:33:22,160
Speaker 2: two years. It's an intense place where people never stop.

704
00:33:22,560 --> 00:33:26,640
Speaker 2: After two years, I've been filtering out recruiting offers, and

705
00:33:26,680 --> 00:33:29,120
Speaker 2: I found a great company that's a great culture fit

706
00:33:29,240 --> 00:33:32,680
Speaker 2: doing what I enjoy, and I've accepted an offer. Here's

707
00:33:32,720 --> 00:33:35,560
Speaker 2: the thing. I don't like giving notice until all the

708
00:33:35,600 --> 00:33:38,880
Speaker 2: paperwork is in, but that usually takes a week, leaving

709
00:33:38,920 --> 00:33:42,040
Speaker 2: me with less than two weeks notice, which isn't abnorrambal

710
00:33:42,120 --> 00:33:45,280
Speaker 2: here at my company. To be honest, my questions are,

711
00:33:45,400 --> 00:33:48,240
Speaker 2: I've rarely left with less than two weeks notice. My

712
00:33:48,320 --> 00:33:50,719
Speaker 2: last company, I gave a whole month due to respect

713
00:33:50,760 --> 00:33:53,720
Speaker 2: for my team and the company. Would you feel disrespected

714
00:33:53,840 --> 00:33:57,200
Speaker 2: or agitated at a short notice leave? Is there really

715
00:33:57,240 --> 00:33:59,960
Speaker 2: such thing as a positive perception after a short note

716
00:34:00,120 --> 00:34:04,200
Speaker 2: to exit? Yady gotta gotta I hope this wasn't too long,

717
00:34:04,280 --> 00:34:06,040
Speaker 2: Thank you, and best autumn.

718
00:34:07,000 --> 00:34:09,600
Speaker 1: This is a good question, It is very good.

719
00:34:09,800 --> 00:34:12,439
Speaker 2: So tell me your genuine reaction. So you have someone

720
00:34:12,480 --> 00:34:14,960
Speaker 2: working in your team two years, they give you a

721
00:34:14,960 --> 00:34:17,880
Speaker 2: week's notice before they leave, what would your honest reaction be.

722
00:34:17,960 --> 00:34:23,040
Speaker 1: I would be pissed, okay, because especially as like it

723
00:34:23,160 --> 00:34:26,120
Speaker 1: sounds like that company is similar to my Well we

724
00:34:26,120 --> 00:34:27,680
Speaker 1: you know we're not two years old. But you know

725
00:34:27,719 --> 00:34:30,200
Speaker 1: what I mean that when you are a small company,

726
00:34:30,239 --> 00:34:33,240
Speaker 1: we're not like some big conglomerate like you're here because

727
00:34:33,239 --> 00:34:35,239
Speaker 1: we need you. You know, we don't have like, oh,

728
00:34:35,280 --> 00:34:37,440
Speaker 1: this is just a filler position. Who has filler money?

729
00:34:37,800 --> 00:34:42,400
Speaker 1: So if unless you are like sick or you know,

730
00:34:42,520 --> 00:34:46,160
Speaker 1: something like that, obviously, but or something happened like to

731
00:34:46,239 --> 00:34:48,640
Speaker 1: a family member. But if you were just to be

732
00:34:48,680 --> 00:34:50,640
Speaker 1: like found a new job, be gone in a week,

733
00:34:50,680 --> 00:34:54,400
Speaker 1: I'd be pissed because we need you and you know,

734
00:34:54,520 --> 00:34:57,880
Speaker 1: at least two weeks to adjust to figure who is

735
00:34:57,960 --> 00:35:00,200
Speaker 1: going to be taking on some of your role. Well

736
00:35:00,320 --> 00:35:02,640
Speaker 1: maybe you know, I would ask like, uh, you know,

737
00:35:02,680 --> 00:35:05,200
Speaker 1: could you help train someone that we have in mind?

738
00:35:05,440 --> 00:35:07,320
Speaker 1: You know, to me, it just doesn't give us time

739
00:35:07,400 --> 00:35:12,160
Speaker 1: to shift and adjusts. So yeah, outside from you, you know,

740
00:35:12,360 --> 00:35:16,239
Speaker 1: leaving because you know, health safety, family, something like that,

741
00:35:16,360 --> 00:35:17,480
Speaker 1: I would not be happy with that.

742
00:35:18,239 --> 00:35:20,200
Speaker 2: Yeah, I mean, I can't lie. I would be annoyed.

743
00:35:20,200 --> 00:35:22,680
Speaker 2: I'm annoyed anytime someone leaves because it's just more work,

744
00:35:22,719 --> 00:35:24,719
Speaker 2: you know. Oh oh you gotta find someone else. You

745
00:35:24,760 --> 00:35:27,120
Speaker 2: got to recruit unless there's someone ready to take over.

746
00:35:28,040 --> 00:35:31,840
Speaker 2: It's a hassle at the same time, and I really

747
00:35:31,960 --> 00:35:33,840
Speaker 2: so as a manager, Yes, I agree with Tiffany, I

748
00:35:33,840 --> 00:35:37,080
Speaker 2: would be annoyed, but I think you can. I understand

749
00:35:37,080 --> 00:35:39,879
Speaker 2: your hesitation too, because it is smart to wait until

750
00:35:39,880 --> 00:35:42,279
Speaker 2: you've got the job offer in writing, you've passed the

751
00:35:42,320 --> 00:35:45,239
Speaker 2: background check and all that has happened before you quit

752
00:35:45,239 --> 00:35:48,040
Speaker 2: your current job, I would ask you if you can

753
00:35:48,080 --> 00:35:50,200
Speaker 2: ask your new employer to give you an extra week

754
00:35:50,280 --> 00:35:52,480
Speaker 2: because out of respect to your company, you know, just

755
00:35:52,520 --> 00:35:54,880
Speaker 2: tell them you need to give them two weeks notice

756
00:35:54,920 --> 00:35:58,239
Speaker 2: so you need a later start date. I'm guessing that

757
00:35:58,280 --> 00:36:00,319
Speaker 2: they would give you that extra week if a very

758
00:36:00,360 --> 00:36:02,520
Speaker 2: excited to have you, So I would go with that first.

759
00:36:02,600 --> 00:36:04,719
Speaker 2: If they absolutely say no, you must start at X

760
00:36:04,840 --> 00:36:08,400
Speaker 2: Y date, then that makes your explanation to your company

761
00:36:08,520 --> 00:36:11,719
Speaker 2: a little bit easier to swallow. And I'll also say

762
00:36:11,760 --> 00:36:13,600
Speaker 2: that even though I've been annoyed and people have given

763
00:36:13,640 --> 00:36:15,080
Speaker 2: me less than two weeks, and I've looked at the

764
00:36:15,080 --> 00:36:17,760
Speaker 2: calendar and been like, this is eleven days, not fourteen

765
00:36:18,840 --> 00:36:21,239
Speaker 2: I have and I've gone to HR like rap, what

766
00:36:21,280 --> 00:36:23,720
Speaker 2: if they but it's not two weeks and we can't

767
00:36:23,719 --> 00:36:26,279
Speaker 2: do anything about it. It's not like you know, in

768
00:36:26,280 --> 00:36:29,439
Speaker 2: your employment what's HR speak, Your employment is at will, yeah,

769
00:36:29,440 --> 00:36:31,680
Speaker 2: which is our you know, our will to want you

770
00:36:31,760 --> 00:36:34,200
Speaker 2: here and your will to be here, so we can't actually,

771
00:36:34,200 --> 00:36:36,080
Speaker 2: you know, like slavery is abolished, believe it or not,

772
00:36:36,200 --> 00:36:39,279
Speaker 2: so we cannot force you to stay. So you know,

773
00:36:39,480 --> 00:36:42,319
Speaker 2: there's nothing we can really do about it. And if

774
00:36:42,440 --> 00:36:45,359
Speaker 2: and so, but my thing is like, so can you

775
00:36:45,840 --> 00:36:48,200
Speaker 2: get the extra week? But if this job is so

776
00:36:48,640 --> 00:36:52,040
Speaker 2: great and you're really excited about it, and that's just

777
00:36:52,080 --> 00:36:54,880
Speaker 2: the way the cookie has crumbled, you know, just do it.

778
00:36:55,920 --> 00:36:57,719
Speaker 2: Try to do it in the most respectful way that

779
00:36:57,760 --> 00:37:01,120
Speaker 2: you can. Accept that you may annoy some people, as

780
00:37:01,160 --> 00:37:03,720
Speaker 2: I have done many times in my life and career,

781
00:37:03,880 --> 00:37:06,759
Speaker 2: and be okay with that. Yep, they will get over it,

782
00:37:06,840 --> 00:37:09,239
Speaker 2: and hopefully you are such a great employee that time

783
00:37:09,280 --> 00:37:11,160
Speaker 2: will go on and they will think fondly about you.

784
00:37:11,800 --> 00:37:14,480
Speaker 1: Yeah, and I just you know, to Menday's point that, yeah,

785
00:37:14,520 --> 00:37:16,400
Speaker 1: I mean you, at the end of the day, you're

786
00:37:16,440 --> 00:37:18,719
Speaker 1: supposed to do what's best for you. But just being

787
00:37:18,800 --> 00:37:21,040
Speaker 1: also because here's the thing, you want to be mindful

788
00:37:21,239 --> 00:37:23,920
Speaker 1: because my sister would always say, if you stay in

789
00:37:23,920 --> 00:37:26,160
Speaker 1: the field long enough, you start to see the same people.

790
00:37:26,360 --> 00:37:29,080
Speaker 1: So just be mindful of that. So, you know, like

791
00:37:29,400 --> 00:37:33,160
Speaker 1: when she was in pharmaceutical sales for Pharmacit she's a scientist,

792
00:37:33,320 --> 00:37:36,480
Speaker 1: for example, she was like yo when she now lives

793
00:37:36,520 --> 00:37:38,600
Speaker 1: in Chicago, but when she was in Jersey and she

794
00:37:38,600 --> 00:37:41,759
Speaker 1: had an internship, she ended up being interviewed by you know,

795
00:37:41,840 --> 00:37:44,399
Speaker 1: one of the women that she had an internship with.

796
00:37:44,480 --> 00:37:47,960
Speaker 1: So people you're young, and that you just want to

797
00:37:47,960 --> 00:37:49,440
Speaker 1: be mindful like, oh, you're the one who left me

798
00:37:49,480 --> 00:37:51,680
Speaker 1: with all the work. Yeah yeah, girl, you're not getting

799
00:37:51,680 --> 00:37:53,600
Speaker 1: this job, so you just want to be mindful of

800
00:37:53,600 --> 00:37:55,400
Speaker 1: that as well. That if you're going to stay in

801
00:37:55,400 --> 00:37:58,440
Speaker 1: that same industry, you know you will likely see those

802
00:37:58,480 --> 00:38:02,080
Speaker 1: same people again. So just doing your best, but don't

803
00:38:02,080 --> 00:38:03,839
Speaker 1: put yourself in harm's way in order to make sure

804
00:38:03,880 --> 00:38:04,800
Speaker 1: the company is okay.

805
00:38:05,840 --> 00:38:08,520
Speaker 2: As someone who has employed two of my previous bosses,

806
00:38:08,640 --> 00:38:14,359
Speaker 2: I can't agree with you as freelancers. Yeah, and and

807
00:38:14,680 --> 00:38:16,719
Speaker 2: do your put your best foot forward. Tell them that

808
00:38:16,760 --> 00:38:19,080
Speaker 2: you can help them find a replacement, you know, take

809
00:38:19,080 --> 00:38:21,160
Speaker 2: your time to think about how you can pass on

810
00:38:21,239 --> 00:38:23,960
Speaker 2: your duties like their make their jobs easier if you

811
00:38:24,040 --> 00:38:26,279
Speaker 2: if you respect them, you know, show them how you've

812
00:38:26,280 --> 00:38:28,960
Speaker 2: thought through your transition and how you're going to help

813
00:38:29,000 --> 00:38:31,719
Speaker 2: them with your transition, so you can at least let

814
00:38:31,719 --> 00:38:34,840
Speaker 2: the medicine go down a little bit smoother. But congratulations,

815
00:38:34,840 --> 00:38:36,520
Speaker 2: you're in your twenties. This is what's supposed to happen.

816
00:38:36,600 --> 00:38:37,040
Speaker 1: Yeah, it is.

817
00:38:37,200 --> 00:38:39,120
Speaker 2: I tell you guys, how I got a job of

818
00:38:39,200 --> 00:38:41,320
Speaker 2: newspaper and then I quit two weeks after I started

819
00:38:41,600 --> 00:38:42,319
Speaker 2: to go to New York.

820
00:38:42,400 --> 00:38:43,279
Speaker 1: Sometimes that's how it be.

821
00:38:43,880 --> 00:38:46,600
Speaker 2: They're fine, gainstled times. Are you still around? Yes, you are.

822
00:38:46,640 --> 00:38:50,239
Speaker 2: You are just just fine. Someone else went to those

823
00:38:50,800 --> 00:38:54,279
Speaker 2: Board of Education meetings that wasn't me, and the world

824
00:38:54,400 --> 00:38:57,040
Speaker 2: kept on spinning. All right, Well, thank you Autumn for

825
00:38:57,080 --> 00:38:59,399
Speaker 2: your question, and we'll leave it there. Thank you guys

826
00:38:59,680 --> 00:39:02,160
Speaker 2: again Instagram at Brandon Mission Podcast, where you can hit

827
00:39:02,239 --> 00:39:05,200
Speaker 2: us up on our Gmail at Brandimission Podcast at gmail

828
00:39:05,200 --> 00:39:07,320
Speaker 2: dot com dot com.

829
00:39:08,360 --> 00:39:11,680
Speaker 1: So I'm gonna boosty boosty up. First, I'm gonna boost up.

830
00:39:11,719 --> 00:39:14,799
Speaker 1: My anniversary was yesterday, three years down, forever to go.

831
00:39:15,040 --> 00:39:17,640
Speaker 1: How pleased. But I have to say, like, I'm not

832
00:39:17,760 --> 00:39:20,839
Speaker 1: really you know what, Let me not say that. I'm

833
00:39:20,920 --> 00:39:23,239
Speaker 1: learning that sometimes I tell myself, oh, I don't really

834
00:39:23,239 --> 00:39:24,799
Speaker 1: care about things like that, but I'm like, is that

835
00:39:24,840 --> 00:39:26,799
Speaker 1: true or you're just psyching yourself out. I'm learning this

836
00:39:26,840 --> 00:39:31,000
Speaker 1: from my business coaching, where sometimes I preemptively accept less

837
00:39:31,000 --> 00:39:34,399
Speaker 1: so I won't be disappointed. So anyway, I to say

838
00:39:34,400 --> 00:39:37,800
Speaker 1: all that to say I wasn't expecting anything, but Superman

839
00:39:37,880 --> 00:39:39,880
Speaker 1: actually had like plant and that turns out later like

840
00:39:39,880 --> 00:39:41,839
Speaker 1: all my friends called me. They're like, did you enjoy it?

841
00:39:41,880 --> 00:39:44,160
Speaker 1: Did you like it? And I'm like what. So apparently

842
00:39:44,160 --> 00:39:46,640
Speaker 1: he called everybody like a month ahead of time and

843
00:39:46,800 --> 00:39:47,480
Speaker 1: was planning this.

844
00:39:47,600 --> 00:39:50,120
Speaker 2: I was like, oh, my gods, that's so sweet. I

845
00:39:50,200 --> 00:39:51,480
Speaker 2: know in some efforts.

846
00:39:51,560 --> 00:39:54,600
Speaker 1: Yeah. So well, we went like plant shopping earlier in

847
00:39:54,600 --> 00:39:56,040
Speaker 1: the day because I was like, I killed all the plants,

848
00:39:56,080 --> 00:39:58,680
Speaker 1: let's buy some new ones that I can kill. And

849
00:39:58,719 --> 00:40:02,040
Speaker 1: then then we had like lunch and we ate it

850
00:40:02,080 --> 00:40:04,120
Speaker 1: at As we were eating it in the park, I

851
00:40:04,200 --> 00:40:06,200
Speaker 1: was like, Babe, literally three years ago, this is the

852
00:40:06,200 --> 00:40:08,320
Speaker 1: park where we took our pictures. So it just was

853
00:40:08,400 --> 00:40:10,120
Speaker 1: so ironic that we were back in the same park

854
00:40:10,160 --> 00:40:13,120
Speaker 1: where we took our our pictures before we got married.

855
00:40:13,560 --> 00:40:14,840
Speaker 1: And then I just thought that was it, that we

856
00:40:14,840 --> 00:40:16,759
Speaker 1: were just gonna kind of like chill. I took a

857
00:40:16,840 --> 00:40:18,839
Speaker 1: nap and when I woke up, my sister was like, oh,

858
00:40:18,920 --> 00:40:22,200
Speaker 1: let's let's go to our friend's house and I was like, okay, Rando.

859
00:40:22,640 --> 00:40:25,040
Speaker 1: But it turned out Superman was like, can you get

860
00:40:25,040 --> 00:40:27,680
Speaker 1: Tiffany out of the house, and he hired Vonda. If

861
00:40:27,719 --> 00:40:30,680
Speaker 1: you heard me talk about her before, because Vonda was

862
00:40:31,239 --> 00:40:35,560
Speaker 1: she Yes, she catered my my wedding and so he

863
00:40:35,640 --> 00:40:38,000
Speaker 1: got fortieth party, right, yes, So the fact that he

864
00:40:38,080 --> 00:40:40,920
Speaker 1: hired her to do like just a two person dinner

865
00:40:41,200 --> 00:40:43,040
Speaker 1: and all of mine was seafood and he got a

866
00:40:43,080 --> 00:40:45,640
Speaker 1: steak and like because the table was so like literally,

867
00:40:45,640 --> 00:40:48,480
Speaker 1: we have these these pocket doors. So I walked in

868
00:40:48,520 --> 00:40:50,239
Speaker 1: and like he opened the pocket doors and it was

869
00:40:50,360 --> 00:40:54,400
Speaker 1: like candles and ambiance and beautifully beautiful place decending and

870
00:40:54,480 --> 00:40:56,319
Speaker 1: I know Superman does not know salad for it from

871
00:40:56,320 --> 00:40:59,560
Speaker 1: dinner fork. I was like, who said this flight? And

872
00:40:59,640 --> 00:41:03,120
Speaker 1: it was just honestly so beautiful and like candles outside,

873
00:41:03,160 --> 00:41:05,759
Speaker 1: So it was inside dinner, but then outside just like

874
00:41:06,040 --> 00:41:08,480
Speaker 1: we just brought this new outside counch and they were

875
00:41:08,520 --> 00:41:11,480
Speaker 1: like candles and flowers and Superman because you know, it's

876
00:41:11,480 --> 00:41:13,680
Speaker 1: a hood level. We got up in here. When I

877
00:41:13,719 --> 00:41:18,040
Speaker 1: went upstairs, why were there? He bought me the Jordan five,

878
00:41:18,120 --> 00:41:21,200
Speaker 1: the Jordan retro fives. I was like, oh, that was

879
00:41:21,239 --> 00:41:24,920
Speaker 1: like a parachutes. Yes, Jordan's. They're just Jordan's girl. I didn't.

880
00:41:25,120 --> 00:41:26,640
Speaker 1: I mean, I only know the retro frivees because I

881
00:41:26,640 --> 00:41:28,120
Speaker 1: heard him tell somebody on the phone, Yeah, I had

882
00:41:28,120 --> 00:41:30,760
Speaker 1: the retro fives. I'm like, what is that, but anyway,

883
00:41:30,800 --> 00:41:31,440
Speaker 1: they were cute.

884
00:41:31,440 --> 00:41:33,400
Speaker 2: Did you want the Jordan retro five? I don't know,

885
00:41:33,640 --> 00:41:36,000
Speaker 2: because one day can't picture you like I thought we

886
00:41:36,000 --> 00:41:36,840
Speaker 2: were roth these girls.

887
00:41:36,920 --> 00:41:38,960
Speaker 1: I am and I sid well because what it is

888
00:41:39,000 --> 00:41:41,560
Speaker 1: that one day Supergirl had on some really cute sneakers

889
00:41:41,560 --> 00:41:42,960
Speaker 1: and I'm like, oh, those they're cute. She's like, oh,

890
00:41:43,040 --> 00:41:44,920
Speaker 1: these are Jordan's. I was like, oh yeah, I oh,

891
00:41:44,960 --> 00:41:46,600
Speaker 1: you know, I see that because it's a little man

892
00:41:46,719 --> 00:41:49,759
Speaker 1: jumping in the back. And so Man since then has

893
00:41:49,800 --> 00:41:52,280
Speaker 1: been on the hunt for those Jordans. I mean, they're cute,

894
00:41:52,400 --> 00:41:54,600
Speaker 1: but you know, I honest say, I think they're adorable,

895
00:41:54,760 --> 00:41:56,360
Speaker 1: but it's not something I would have picked out for

896
00:41:56,400 --> 00:41:58,840
Speaker 1: myself and he knows that. So she just got them

897
00:41:58,880 --> 00:42:00,560
Speaker 1: for me. And I just thought that was really because

898
00:42:00,680 --> 00:42:04,400
Speaker 1: from two years ago hearing me say that supergirls speakers

899
00:42:04,400 --> 00:42:07,440
Speaker 1: were cute while she was eleven, I have them now.

900
00:42:08,680 --> 00:42:11,640
Speaker 2: I love that. I feel like that's when my husband

901
00:42:11,680 --> 00:42:14,279
Speaker 2: gets excited when I express any interest in any type

902
00:42:14,280 --> 00:42:16,480
Speaker 2: of gadget. Like once every three years, I'll be okay

903
00:42:16,480 --> 00:42:18,200
Speaker 2: to get a new iPhone or something, and then he

904
00:42:18,239 --> 00:42:20,520
Speaker 2: gets really excited about picking it out and setting it

905
00:42:20,600 --> 00:42:22,440
Speaker 2: up for me, Yeah, exactly.

906
00:42:22,560 --> 00:42:24,720
Speaker 1: Yeah, it was just really honestly, it's just the effort

907
00:42:24,760 --> 00:42:27,520
Speaker 1: involved and the sweetness and yeah, I just it was

908
00:42:27,560 --> 00:42:29,279
Speaker 1: honestly like one of our best anniversary. I mean, we

909
00:42:29,320 --> 00:42:31,960
Speaker 1: always have good anniversaries, but it just was really nice

910
00:42:31,960 --> 00:42:34,000
Speaker 1: because it was our first one in the house and

911
00:42:34,520 --> 00:42:36,680
Speaker 1: we were just sitting there just kind of like soaking

912
00:42:36,719 --> 00:42:39,600
Speaker 1: in with all the craziness that's happened out there. It

913
00:42:39,719 --> 00:42:43,640
Speaker 1: was just a time of like reflection and gratefulness and like,

914
00:42:43,719 --> 00:42:46,400
Speaker 1: I have a really awesome life, not because of stuff,

915
00:42:46,440 --> 00:42:48,640
Speaker 1: but because of the people in it. And so yeah,

916
00:42:48,680 --> 00:42:49,320
Speaker 1: it was awesome.

917
00:42:49,920 --> 00:42:52,400
Speaker 2: Ay man, you know, on Facebook reminded me that it

918
00:42:52,440 --> 00:42:54,440
Speaker 2: was your anniversary because it's also the same day as

919
00:42:54,440 --> 00:42:57,080
Speaker 2: my husband's. But yes, I saw that, and I don't

920
00:42:57,120 --> 00:42:59,040
Speaker 2: know what was happening in twenty seventeen, but I must

921
00:42:59,080 --> 00:43:00,520
Speaker 2: have thought it was a lot. I didn't know what

922
00:43:00,560 --> 00:43:02,799
Speaker 2: was coming in twenty twenty, because my comment was like,

923
00:43:03,080 --> 00:43:05,520
Speaker 2: it's in times like crazy, times like these, you got

924
00:43:05,520 --> 00:43:09,239
Speaker 2: to appreciate days filled with love and gratitude. Congrats to

925
00:43:09,280 --> 00:43:12,439
Speaker 2: my bff Tiffany on her wedding and all that. And

926
00:43:13,120 --> 00:43:16,480
Speaker 2: if only I could have known, and I mean that

927
00:43:16,680 --> 00:43:18,520
Speaker 2: even more today. You have got to hang on to

928
00:43:18,600 --> 00:43:22,759
Speaker 2: those beautiful moments, beautiful moments. I did zero, and I

929
00:43:22,800 --> 00:43:26,200
Speaker 2: mean negative things for my husband's birthday. The luckily his

930
00:43:26,719 --> 00:43:29,080
Speaker 2: birthday was the same day as your anniversary. But last

931
00:43:29,080 --> 00:43:30,960
Speaker 2: week was Father's Day, y'all, and I put all my

932
00:43:31,120 --> 00:43:33,280
Speaker 2: energy into Father's Day, and I kind of forgot about

933
00:43:33,280 --> 00:43:37,000
Speaker 2: his birthday. So I think it's fine. His parents like

934
00:43:37,080 --> 00:43:40,200
Speaker 2: came over, there was a cake, his brother traveled from DC.

935
00:43:40,320 --> 00:43:40,960
Speaker 2: It was lovely.

936
00:43:41,080 --> 00:43:41,800
Speaker 1: Oh that's nice.

937
00:43:42,440 --> 00:43:45,480
Speaker 2: Yeah, so we did a little something something with masks on. Well,

938
00:43:45,520 --> 00:43:47,839
Speaker 2: it's beautiful. Congrats. Another year is super love.

939
00:43:48,760 --> 00:43:51,319
Speaker 1: I love that hashtag super love super love.

940
00:43:51,719 --> 00:43:56,680
Speaker 2: All right, well then I'll steal the bet slash. Beyonce

941
00:43:57,000 --> 00:44:01,920
Speaker 2: Black Pride visual album news I be seen the trailer

942
00:44:02,000 --> 00:44:03,919
Speaker 2: for her visual thing.

943
00:44:04,200 --> 00:44:05,120
Speaker 1: Is it super black?

944
00:44:05,920 --> 00:44:08,239
Speaker 2: It's well, of course, blackly Black by Black. No, it's well,

945
00:44:08,280 --> 00:44:10,440
Speaker 2: it's it's I'm confused. I don't know why it's coming

946
00:44:10,480 --> 00:44:12,600
Speaker 2: out now, but it was. It was a visual album

947
00:44:12,640 --> 00:44:14,960
Speaker 2: to go along with The Lion King. The Gift. That

948
00:44:15,440 --> 00:44:17,600
Speaker 2: record that she released in conjunction with the movie was

949
00:44:17,600 --> 00:44:20,080
Speaker 2: that last summer I feels like a million years ago.

950
00:44:20,560 --> 00:44:23,160
Speaker 2: So Anyway, it's a visual album. The trailer. I think

951
00:44:23,160 --> 00:44:26,280
Speaker 2: it's coming out on Disney Plus, but apparently I missed.

952
00:44:26,520 --> 00:44:29,239
Speaker 2: First of all, I don't like up is down, Lift

953
00:44:29,280 --> 00:44:32,239
Speaker 2: is Right, so I'd forgot all about award shows or

954
00:44:32,280 --> 00:44:34,520
Speaker 2: that they were even happening. But the BET Awards got

955
00:44:34,600 --> 00:44:38,200
Speaker 2: rave reviews on social media, so I need to go, Yeah,

956
00:44:38,239 --> 00:44:41,279
Speaker 2: how does how did they even do a award show?

957
00:44:41,360 --> 00:44:43,040
Speaker 1: I'm not gonna I didn't watch it because I didn't

958
00:44:43,200 --> 00:44:45,320
Speaker 1: I guess they were on TV, but I just watched

959
00:44:45,320 --> 00:44:48,319
Speaker 1: because BT put like full clips on their ig like,

960
00:44:48,360 --> 00:44:50,560
Speaker 1: you know, like ig TV, So I just was watching

961
00:44:50,640 --> 00:44:55,040
Speaker 1: everyone's full set and it was beautifully produced, amazing. I'm like,

962
00:44:55,239 --> 00:44:57,279
Speaker 1: what they need more digital show?

963
00:44:57,320 --> 00:44:59,879
Speaker 2: The Stalin in the Desert were that pre tape? Like yeah,

964
00:45:00,080 --> 00:45:02,160
Speaker 2: so I staid up, like what's happening? Was that live?

965
00:45:02,320 --> 00:45:04,160
Speaker 2: I don't understand it?

966
00:45:04,160 --> 00:45:06,399
Speaker 1: It was amazing, So like, literally just go to BT

967
00:45:06,560 --> 00:45:09,440
Speaker 1: and just click on their their ig TVs and just

968
00:45:09,480 --> 00:45:11,480
Speaker 1: settle in and watch. They were beautiful.

969
00:45:11,800 --> 00:45:13,920
Speaker 2: Oh okay, what was your favorite?

970
00:45:14,400 --> 00:45:16,360
Speaker 1: I really liked to make the Stallion. There was a guy,

971
00:45:17,120 --> 00:45:20,239
Speaker 1: uh his voice was so good, you know what it is,

972
00:45:20,600 --> 00:45:22,359
Speaker 1: and so many people I had never heard of before

973
00:45:22,400 --> 00:45:25,520
Speaker 1: because you know, I'm getting old. But what I really

974
00:45:25,640 --> 00:45:28,359
Speaker 1: liked was the clear social commentary, like they didn't shy

975
00:45:28,440 --> 00:45:30,480
Speaker 1: away from saying the thing. You know what I mean.

976
00:45:30,920 --> 00:45:33,239
Speaker 1: I was really just But there was one guy in

977
00:45:33,239 --> 00:45:36,960
Speaker 1: particular that his voice was just so I had to

978
00:45:37,000 --> 00:45:40,520
Speaker 1: go and follow him. The video was like him and

979
00:45:40,600 --> 00:45:43,840
Speaker 1: another rapper guy, but his voice in particular just moved me.

980
00:45:44,040 --> 00:45:47,080
Speaker 1: I'm like, can I find him? I don't.

981
00:45:47,120 --> 00:45:49,200
Speaker 2: I don't get say it was an Usher I heard

982
00:45:49,280 --> 00:45:49,880
Speaker 2: Usher perform.

983
00:45:50,200 --> 00:45:51,839
Speaker 1: No, no, no, it wasn't. Although I mean that was

984
00:45:51,880 --> 00:45:54,160
Speaker 1: you know, that was nice, but it was The Baby

985
00:45:54,200 --> 00:45:57,240
Speaker 1: actually had a really cool video. But do the Baby

986
00:45:57,280 --> 00:45:58,640
Speaker 1: the fact that I'm saying that, it's.

987
00:45:58,560 --> 00:46:04,720
Speaker 2: Just doesn't it sound wood? Do you go by baby

988
00:46:04,840 --> 00:46:05,160
Speaker 2: or duh?

989
00:46:05,440 --> 00:46:09,680
Speaker 1: You No? It's literally the Baby.

990
00:46:08,400 --> 00:46:09,680
Speaker 2: Where I had to because his boy.

991
00:46:09,800 --> 00:46:14,080
Speaker 1: Well one there's this this this guy named John mc reynolds.

992
00:46:14,120 --> 00:46:17,120
Speaker 1: He's a gospel singer who's awesome. But I'm telling you,

993
00:46:17,160 --> 00:46:18,799
Speaker 1: there was this one guy. It was so melodic and

994
00:46:19,320 --> 00:46:22,320
Speaker 1: it was, uh, it was almost like they were showing

995
00:46:22,320 --> 00:46:25,279
Speaker 1: them so I think it was called Lockdown. Someone's gonna

996
00:46:25,280 --> 00:46:27,120
Speaker 1: tell me the name of the song. But oh, I

997
00:46:27,200 --> 00:46:32,160
Speaker 1: found it. So it was Lockdown by Anderson Pack featuring

998
00:46:32,320 --> 00:46:34,120
Speaker 1: Jay Rock, and it was just to me, it was

999
00:46:34,120 --> 00:46:37,520
Speaker 1: beautiful and so mm hmm. It was so Yeah. So

1000
00:46:37,520 --> 00:46:40,000
Speaker 1: if you are scrolling through Beat's IG stories, like just

1001
00:46:40,000 --> 00:46:42,959
Speaker 1: click on their ID story button and you can watch

1002
00:46:42,960 --> 00:46:44,600
Speaker 1: the Lockdown. It was just to me, it was just

1003
00:46:44,600 --> 00:46:48,799
Speaker 1: a It was a very poignant presentation, but it was

1004
00:46:48,840 --> 00:46:51,400
Speaker 1: just melodic and real like so much of it. And

1005
00:46:51,400 --> 00:46:55,680
Speaker 1: then Amanda Sales did such a great job with with hosting.

1006
00:46:55,760 --> 00:46:56,759
Speaker 1: I just love how they did.

1007
00:46:58,360 --> 00:47:00,360
Speaker 2: What does that work? Okay, I'm fascinating. I need to

1008
00:47:00,400 --> 00:47:00,680
Speaker 2: go out.

1009
00:47:00,719 --> 00:47:02,480
Speaker 1: You have to go watch because what she did too

1010
00:47:02,600 --> 00:47:07,400
Speaker 1: is they recreated some iconic bteam almost like BT Comic

1011
00:47:07,480 --> 00:47:10,120
Speaker 1: View what sick some park be too. It was just

1012
00:47:10,880 --> 00:47:13,799
Speaker 1: so well done and yeah, you have to it was

1013
00:47:13,840 --> 00:47:14,480
Speaker 1: just so well done.

1014
00:47:15,520 --> 00:47:19,799
Speaker 2: Okay, no spoilers except for the Beyonce thing. Oh that's

1015
00:47:19,800 --> 00:47:22,759
Speaker 2: really exciting. Well, I'm glad that beet rose to the occasion. Yes,

1016
00:47:22,840 --> 00:47:24,480
Speaker 2: I should have watched that last night instead of the

1017
00:47:24,520 --> 00:47:27,840
Speaker 2: really disturbing Malcolm X documentary on Netflix that I decided

1018
00:47:27,880 --> 00:47:31,120
Speaker 2: to get really depressed about. That was a bad choice,

1019
00:47:31,640 --> 00:47:33,719
Speaker 2: but a woke choice. Okay, I'm going to get caught

1020
00:47:33,800 --> 00:47:38,280
Speaker 2: up on bet asap. All right, Well we are twelve

1021
00:47:38,280 --> 00:47:40,600
Speaker 2: minutes over, it's ten pm on a Monday, and you're

1022
00:47:40,719 --> 00:47:42,680
Speaker 2: talking to me, and I love you for it, thank you.

1023
00:47:42,920 --> 00:47:43,880
Speaker 2: I love your showing up.

1024
00:47:44,920 --> 00:47:48,200
Speaker 1: Its life is crazy, yes, not crazier than the people

1025
00:47:48,239 --> 00:47:51,759
Speaker 1: who shoot these damn firecrackers at o'clock at night.

1026
00:47:52,120 --> 00:47:55,680
Speaker 2: We had our first firecracker incident last night. Molly will

1027
00:47:55,680 --> 00:47:59,640
Speaker 2: never be the same, Oh poor Molly. Yeah, I don't understand.

1028
00:47:59,680 --> 00:48:01,839
Speaker 2: It's not even like why are people it is just

1029
00:48:01,960 --> 00:48:02,719
Speaker 2: is it like a thing?

1030
00:48:02,800 --> 00:48:04,560
Speaker 1: It's a thing, you know, it's a It's a thing.

1031
00:48:04,680 --> 00:48:06,840
Speaker 1: And I just want to meet the demands of whoever

1032
00:48:06,880 --> 00:48:09,319
Speaker 1: this is and say what do you need? You could

1033
00:48:09,360 --> 00:48:12,879
Speaker 1: have all the things, just please stop ten not fraid enough,

1034
00:48:13,000 --> 00:48:14,920
Speaker 1: I know because I'm like, are they still in the

1035
00:48:15,040 --> 00:48:18,480
Speaker 1: Girl's like no, Swiregreggors. I'm like, okay, well needs to

1036
00:48:18,480 --> 00:48:20,120
Speaker 1: have the difference. He's like, you would know the difference.

1037
00:48:20,120 --> 00:48:21,680
Speaker 1: I'm like, how do you know the difference, sir?

1038
00:48:22,120 --> 00:48:23,960
Speaker 2: But you know that white couple in the mansion in

1039
00:48:24,000 --> 00:48:26,719
Speaker 2: Saint Louis who are pointing their little pistol in there,

1040
00:48:26,840 --> 00:48:28,440
Speaker 2: and what is it? An aka I don't know it's

1041
00:48:28,440 --> 00:48:31,160
Speaker 2: a AR fifteen. I don't know these assault weapon terminologies.

1042
00:48:31,600 --> 00:48:32,880
Speaker 2: That clip was so disturbing.

1043
00:48:33,000 --> 00:48:33,880
Speaker 1: I didn't see that.

1044
00:48:34,400 --> 00:48:36,799
Speaker 2: You didn't see Saint Louis protesters. You need to look

1045
00:48:36,840 --> 00:48:39,840
Speaker 2: at it real quick. It's funny, how like you. I

1046
00:48:39,840 --> 00:48:42,840
Speaker 2: feel like you can miss so much craziness because everything

1047
00:48:42,880 --> 00:48:45,080
Speaker 2: is crazy and the world's on fire in every state

1048
00:48:45,160 --> 00:48:48,000
Speaker 2: right now. But anyway, there's this viral clip. Our own president,

1049
00:48:48,680 --> 00:48:53,440
Speaker 2: he who must not be named, retweeted n this video. Anyway,

1050
00:48:53,440 --> 00:48:56,759
Speaker 2: it's a Saint Louis protesters. They were protesting the mayor

1051
00:48:56,800 --> 00:49:00,520
Speaker 2: of Saint Louis because apparently in public remarks she she

1052
00:49:00,719 --> 00:49:03,759
Speaker 2: named addresses and full names of people who came out

1053
00:49:03,800 --> 00:49:06,279
Speaker 2: in support of criminal justice reform on her Facebook case.

1054
00:49:06,920 --> 00:49:09,359
Speaker 2: So people were protesting and asking for a resignation. They

1055
00:49:09,360 --> 00:49:12,840
Speaker 2: were They dared to walk by this mega mansion in

1056
00:49:12,880 --> 00:49:16,759
Speaker 2: Saint Louis and the couple who owns the mansion came

1057
00:49:16,760 --> 00:49:19,480
Speaker 2: out looking like I mean, the juxtaposition of what they

1058
00:49:19,520 --> 00:49:21,319
Speaker 2: look like in that mansion, I mean, it was just

1059
00:49:21,360 --> 00:49:23,960
Speaker 2: like a high brow, low bra moment. But homegirl was

1060
00:49:24,000 --> 00:49:27,799
Speaker 2: holding a small pistol very like I can't even tell

1061
00:49:27,800 --> 00:49:29,480
Speaker 2: you how she was holding it like she was just

1062
00:49:29,520 --> 00:49:32,239
Speaker 2: holding their TV remote, just swinging it around. And that

1063
00:49:32,280 --> 00:49:35,719
Speaker 2: guy was holding his assault rifle and pointing it at

1064
00:49:35,760 --> 00:49:38,680
Speaker 2: the protesters as they're walking by, like legit pointing it.

1065
00:49:39,320 --> 00:49:41,920
Speaker 2: And this clip went viral and I'm just there's so

1066
00:49:41,920 --> 00:49:44,560
Speaker 2: many memes right now, and it's fucking sad, and I

1067
00:49:44,560 --> 00:49:46,560
Speaker 2: don't know what our country has come to. But that's

1068
00:49:46,600 --> 00:49:47,360
Speaker 2: okay now.

1069
00:49:47,600 --> 00:49:50,440
Speaker 1: And the president retreats it as if, hey, look at

1070
00:49:50,480 --> 00:49:51,080
Speaker 1: this good thing.

1071
00:49:52,160 --> 00:49:55,640
Speaker 2: Oh yeah. He also retweeted a clip of someone yelling

1072
00:49:55,680 --> 00:49:57,919
Speaker 2: white power and then tried to pretend like he didn't

1073
00:49:57,960 --> 00:50:03,040
Speaker 2: hear that. Par No, oh my god, yeah, that's what's

1074
00:50:03,080 --> 00:50:06,800
Speaker 2: happening in America. I just save yourselves, you guys.

1075
00:50:07,000 --> 00:50:11,399
Speaker 1: I just okay, you know what, I'm gonna retreat back

1076
00:50:11,400 --> 00:50:12,080
Speaker 1: to my goodness.

1077
00:50:12,320 --> 00:50:16,080
Speaker 2: Sorry, but tell me again about your dinner was something okay, seafood, delicious,

1078
00:50:16,080 --> 00:50:17,760
Speaker 2: Superman crack legs.

1079
00:50:17,800 --> 00:50:20,600
Speaker 1: It was shrimp gumbo. It was so delicious, and the

1080
00:50:20,640 --> 00:50:22,600
Speaker 1: fact that he remembered that I don't eat meat and

1081
00:50:22,600 --> 00:50:25,840
Speaker 1: it was potatoes and it's baragus and it was amazing,

1082
00:50:26,040 --> 00:50:28,160
Speaker 1: and you know, I don't drink, but you know, he

1083
00:50:28,200 --> 00:50:29,920
Speaker 1: had Moses made because that's like if I am going

1084
00:50:30,000 --> 00:50:32,319
Speaker 1: to drink, that's like a little bit that I will

1085
00:50:32,360 --> 00:50:34,360
Speaker 1: have like a little champagne with a little orange juice.

1086
00:50:34,640 --> 00:50:37,919
Speaker 1: So that was nice, and it was just just nice

1087
00:50:38,000 --> 00:50:41,120
Speaker 1: unplug and I yeah, so that was that. I was like,

1088
00:50:41,120 --> 00:50:43,440
Speaker 1: oh and we danced outside to old school love songs.

1089
00:50:43,440 --> 00:50:45,000
Speaker 2: Oh did I tell you that? Are you keeping the

1090
00:50:45,040 --> 00:50:46,799
Speaker 2: cutest pine with a.

1091
00:50:46,719 --> 00:50:49,799
Speaker 1: Little two step? It was just really like honestly, it

1092
00:50:49,880 --> 00:50:53,680
Speaker 1: was just it was nice to just retreat to nothing,

1093
00:50:53,719 --> 00:50:56,600
Speaker 1: but like, you know, blessings because I know you have

1094
00:50:56,640 --> 00:50:58,120
Speaker 1: to put on the armor of God to get out

1095
00:50:58,120 --> 00:51:00,640
Speaker 1: here in this world, which I'm willing, but you know,

1096
00:51:00,800 --> 00:51:03,439
Speaker 1: sometimes you just need a piece for yourself where it's

1097
00:51:03,480 --> 00:51:04,320
Speaker 1: not a shit show.

1098
00:51:04,560 --> 00:51:09,080
Speaker 2: So black Love, Man, black Love, super Love, Yeah, I

1099
00:51:09,120 --> 00:51:11,520
Speaker 2: love it all right. Well, congrats on your third anniversary.

1100
00:51:12,040 --> 00:51:14,759
Speaker 2: Go get some rest, everybody, take care of yourself, get

1101
00:51:14,840 --> 00:51:17,680
Speaker 2: some rest. Think you think you Thank you for listening, and.

1102
00:51:17,680 --> 00:51:19,600
Speaker 1: We'll talk to you all next week. Miss We