WEBVTT - Ep 223 - Should I Give Two Weeks Notice Before I Quit?

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<v Speaker 1>Hey, hey, hey, we're back. We're black, We're broad and bision.

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<v Speaker 1>I wish like just for this part, well, do you

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<v Speaker 1>have to give me the log into the to the

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<v Speaker 1>Brodhabish and I g Manadra because I need for them

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<v Speaker 1>to see like this, just that part, like just how

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<v Speaker 1>much soul I put into my body for them, Like when.

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<v Speaker 2>I want to say, you know you have the log

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<v Speaker 2>in I do.

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<v Speaker 1>I don't even remember.

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<v Speaker 2>I know you don't remember, but you have them. You

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<v Speaker 2>could find them. They're somewhere in the Middle Earth that

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<v Speaker 2>is Google Drive.

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<v Speaker 1>How are you just.

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<v Speaker 2>Trying to stay alive in this world? I mean, I

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<v Speaker 2>cannot believe we're I it feels like we've gone back

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<v Speaker 2>in time and we're at the beginning of Marchigan when

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

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<v Speaker 2>is America still not putting on a damn face mask.

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<v Speaker 2>It's sad, It's real, real sad. But let's see some

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<v Speaker 2>bright spots have happened. Last week I talked about we

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<v Speaker 2>had a general primary, not a general election primary, but

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<v Speaker 2>a primary in our in New York last week, and

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<v Speaker 2>mondere Jones was this uh. He was running for a

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<v Speaker 2>congressional seat and he won and he could potentially be

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<v Speaker 2>if he wins in November the election, the first openly

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<v Speaker 2>black lgbt Q a member of Congress, which would be amazing.

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<v Speaker 2>So I would just like to in honor of Pride Month,

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<v Speaker 2>and I think today is National Pride Day. I'm not

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

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<v Speaker 2>He's from our town, and I saw him speak at

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<v Speaker 2>a Black Lives Matter rally a couple of weeks ago

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<v Speaker 2>near our house, and he was really I mean, he's

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<v Speaker 2>just a great speaker, and I'm so proud of him

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<v Speaker 2>and so excited.

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<v Speaker 1>I think I think I saw that that post and

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<v Speaker 1>I think not post, but like I think I saw

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<v Speaker 1>that story on Facebook and I was like, Yes, the

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<v Speaker 1>people are speaking, they are speaking in the polls, and

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<v Speaker 1>I love it. I actually got a text the other

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<v Speaker 1>day that I was really grateful for because I you know,

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<v Speaker 1>I moved to this house last year, and then I

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<v Speaker 1>because up until literally last year, my address was still

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<v Speaker 1>quote unquote my parents' house. Even though I've moved several

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<v Speaker 1>times between moving out of home moving away from home,

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<v Speaker 1>I just never felt like any place I lived was

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<v Speaker 1>home enough to have my address, and so I got

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<v Speaker 1>my license in this address, and I just thought to

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<v Speaker 1>myself here in Newark, and I thought, wait, am I registered?

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<v Speaker 1>And sure enough, when I was thinking it, I got

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<v Speaker 1>this text saying, how are you registered to vote? Not sure?

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<v Speaker 1>Check here? And I did check, and I am registered

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<v Speaker 1>to vote here in Newark. So I'm like, yes, I'm

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<v Speaker 1>ready because our primaries are coming up very soon in

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<v Speaker 1>a couple of weeks. So and Superman has been registered

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<v Speaker 1>because he's born to raise here and he votes, and

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<v Speaker 1>so I'm just excited because I'm like, yes, this will

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<v Speaker 1>be my first time voting in Newark. I know exactly

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<v Speaker 1>where to go in Westfield, where my parents live, but

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<v Speaker 1>I'll have to do my Googles to see where I

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<v Speaker 1>go here. So yeah, I just I feel hopefully that

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

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<v Speaker 1>That if we could go out to march for Black

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<v Speaker 1>Lives Matter, we certainly obviously can go out to the polls,

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<v Speaker 1>and I believe that we will do so.

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<v Speaker 2>Even in our area. It felt, I mean, this was

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<v Speaker 2>our first time living here and actually voting in a

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<v Speaker 2>primary election. But the crowd was insane, and my neighbor

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<v Speaker 2>Miss Paulette, Hey, miss Paullette, who probably has no idea

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

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<v Speaker 2>She's a Jamaican immigrant and she oh, I love her

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<v Speaker 2>so much and she I call her my little auntie.

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<v Speaker 2>She told me she's a oh crap. What are those

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

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<v Speaker 2>call them? They're the people who are the Board of

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<v Speaker 2>Elections hire to be there at the polls. And anyway,

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<v Speaker 2>she's one of those people and she's been trained and certified.

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<v Speaker 2>And there was this huge dearth of these people who've

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<v Speaker 2>been certified this year, like they just didn't have enough,

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<v Speaker 2>and so they dramatically decreased the number of polling places

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<v Speaker 2>and you're seeing this across the country too. But she

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<v Speaker 2>told me that she really saw a difference this year

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<v Speaker 2>in the number of youths, young people who were coming

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<v Speaker 2>out fresh out of high school, you know, eighteen first election,

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<v Speaker 2>and that gives me a lot, a lot of hope.

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<v Speaker 2>So you have to get out there and vote. And

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<v Speaker 2>you're absolutely right if you've got cousins or young people

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<v Speaker 2>who are angry and out there protesting, I think this

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<v Speaker 2>is you know, this is the next step. People have

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<v Speaker 2>got to vote, so that gives me some hope. You know,

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<v Speaker 2>if we survive the rona, then maybe we can make

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

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<v Speaker 1>Yes, we gotta survive the rona. My, my, my, the rona. Yeah,

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<v Speaker 1>it's for those of you you're too young. There's like

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<v Speaker 1>my Sarona. I'm not only sure that means anyway.

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<v Speaker 2>I don't think anyone who listens to us is too

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<v Speaker 2>young for some people may in other news.

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<v Speaker 1>Yes, well, we've.

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<v Speaker 2>Both been going on our own own mortgage journey recently.

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<v Speaker 1>Do you notice s whight sidebar that we go on

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<v Speaker 1>journeys at similar times? Marry similar times, how similar times?

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<v Speaker 1>You know, it's just my time to have a baby

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<v Speaker 1>and then we'll be we'll be twin feaes.

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<v Speaker 2>You go ahead, just you know, what are you ugly?

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<v Speaker 2>Let me know you never know? Like so, but mortgage

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<v Speaker 2>rates have been going down, down, down, down, down down

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<v Speaker 2>down since I remember back in January or February starting

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<v Speaker 2>to get starting to get that, like through the fog

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<v Speaker 2>of my postpartum craziness, being like, should we be refinancing?

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<v Speaker 2>Mortgage rates are going down cut to six months later,

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<v Speaker 2>and I finally ran out of excuses in terms of

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<v Speaker 2>like I don't have the bandwidth, but rates were still

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<v Speaker 2>going down. They hit historic lows sub three percent last week,

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<v Speaker 2>and finally I got my stuff together and started my

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<v Speaker 2>mortgage refinance journey. So our our goal with doing the

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<v Speaker 2>mortgage refinance, which was different than yours, Tiffany, was to

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<v Speaker 2>reduce our monthly payment and to get a lower rate,

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<v Speaker 2>because we got our mortgage a couple of years ago

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<v Speaker 2>and our rate was four point four percent, I think,

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<v Speaker 2>and that was, you know, the best rate you can

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<v Speaker 2>get at the time. I was able, and I did

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<v Speaker 2>some shopping and just my experience doing shopping, Like I

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<v Speaker 2>got to tell you guys, first of all, it's a

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<v Speaker 2>lot of work, and they should be a lot more

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<v Speaker 2>patient with people who were trying to refinance right now

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<v Speaker 2>in the middle of a freaking pandemic, because it's when

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<v Speaker 2>do you have the time like I had. I've been

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<v Speaker 2>talking to these two companies, like going back and forth

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<v Speaker 2>with each other for the past maybe four weeks, you know,

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<v Speaker 2>a half hour conversation here, a twenty minute conversation there.

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

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<v Speaker 2>like my own lack of availability because how many times

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

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<v Speaker 2>this rate is only going to be good through the weekend.

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

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<v Speaker 2>actually it's gotten better.

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<v Speaker 1>Yeah I got that too. I was like, ooh, yes, ooh,

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

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

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

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<v Speaker 1>to go down. Let's tell them to settle down. Yeah, exactly.

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<v Speaker 1>You can't be pressured. So your journey was different because

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<v Speaker 1>you were doing a cash out REFI, which is when

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<v Speaker 1>you refinance and then you take out money from your equity,

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<v Speaker 1>so they give you money like cash in your pocket

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<v Speaker 1>that you can use for whatever purpose.

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<v Speaker 2>So what's what's going on with yours? Because I locked

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<v Speaker 2>in my rate last week and I'm almost across the

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<v Speaker 2>finish line and.

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<v Speaker 1>What was your rate? Oh?

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<v Speaker 2>Two point eight? Two point eight seventy five is our

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<v Speaker 2>interest rate in the APR, which is inclusive of fees

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<v Speaker 2>and other costs and stuff, is two point nine.

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

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<v Speaker 1>out REFI is different as far as rates, like you know,

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<v Speaker 1>like you know, sometimes certain things you're doing, like for examp, sure,

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<v Speaker 1>like if I'm if I was renovating my like my home,

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<v Speaker 1>like an investment property, rates are going to be higher

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

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<v Speaker 1>So I wonder. But anyway, my rate that had locked

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<v Speaker 1>in was three point twenty five. But like I said,

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<v Speaker 1>I don't know if that different because I was doing

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<v Speaker 1>a cash out REFI.

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<v Speaker 2>It's that it's also I mean there's so many that's

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

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

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<v Speaker 2>compare apples to apples talking to someone else because you

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<v Speaker 2>can't just you can't like replicate the exact same variables,

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

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<v Speaker 2>know what's the best rate if you shop and you compare.

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<v Speaker 1>Exactly And I did, and I say, that was the

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<v Speaker 1>best rate that I think. I it was like it

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<v Speaker 1>was like three or four feet people we kind of

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<v Speaker 1>went through and that was the best rate, and plus

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<v Speaker 1>two like I said, are my credit score and Superman's

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<v Speaker 1>credit score of mine is like a I think, like

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<v Speaker 1>an eight osamon or something like that, and he's like

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<v Speaker 1>a seven ninety or something to that effect. So great credit.

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<v Speaker 1>We had all the things, so I was gung ho.

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<v Speaker 1>My plan was the house we purchased cash. We renovated

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

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<v Speaker 1>So I was like, you know what, we've got money

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<v Speaker 1>sitting in the house. What if we pull it out

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<v Speaker 1>and then activate it, like, you know, invest it. We

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<v Speaker 1>are working on renovating a second property that we purchased

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<v Speaker 1>that ten thousand dollars taxied who brought from the city.

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<v Speaker 1>So the renovation it's like one fifty because it's like

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<v Speaker 1>it was basically a tear down, but it's a small,

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<v Speaker 1>one family and for one fifty we'll get it like

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<v Speaker 1>really like awesome, and it'll be worth about two twenty

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<v Speaker 1>five to fifty by the time we're done. So I

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<v Speaker 1>was like, oh, we'll put it out. We could put

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<v Speaker 1>some toward that and some other things. But the process

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<v Speaker 1>has taken longer than I thought, and I didn't like

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<v Speaker 1>the number that came back when we had the appraiser

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<v Speaker 1>come to the house, although that's not super critical only

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<v Speaker 1>because we're not selling. We would just be financing. But

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<v Speaker 1>really kind of like grinded my gears, if you will,

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<v Speaker 1>is they were like, I'd made a large deposit into

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<v Speaker 1>my savings account. I guess the one that I put

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<v Speaker 1>down as this is where I'm getting the money from,

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<v Speaker 1>or this is like to prove like I don't know,

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<v Speaker 1>I guess we have money, you know. And so I

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<v Speaker 1>made a large deposit. Because what happens is like I

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<v Speaker 1>would say, I do this thing called I called up

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<v Speaker 1>my allocations, and I usually do the monthly. Whereas I

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<v Speaker 1>get paid for my company in two ways. I get

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<v Speaker 1>paid a salary which is honestly fairly low, and then

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<v Speaker 1>I also get an owner's draw so the owner's draws.

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<v Speaker 1>When everything is said and done, we pay all the bills,

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<v Speaker 1>we said, aside for taxes, we said, it's by for savings,

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<v Speaker 1>we said, we said, said what's left, I as an

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<v Speaker 1>owner will draw you know, either some or whatever what's

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<v Speaker 1>left after all everything is paid, and so the owner's

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<v Speaker 1>draws can add up. And so what happened was I

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<v Speaker 1>had not allocated my owner's draws for months just because

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<v Speaker 1>it's just been so busy. So it was like from

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<v Speaker 1>not a few times, but tens of that. It was

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<v Speaker 1>thirty two thousand dollars and be all the way transfer

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

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<v Speaker 1>It wasn't like for one month. So it was thirty

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<v Speaker 1>two thousand dollars because it had been I had not

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<v Speaker 1>done it, I think an owner. I think I had

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<v Speaker 1>not done allocations since like December. So it was just

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<v Speaker 1>sitting sitting, sitting, and I was like, oh, you know,

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

0:10:58.000 --> 0:11:00.079
<v Speaker 1>draw money that was sitting in my checking account. I

0:11:00.160 --> 0:11:02.360
<v Speaker 1>was like, I'm going to put it in my savings

0:11:02.360 --> 0:11:04.120
<v Speaker 1>and they were like, dud dude, red flag, where'd you

0:11:04.120 --> 0:11:06.120
<v Speaker 1>get this money from. I was like, oh, I have

0:11:06.160 --> 0:11:08.559
<v Speaker 1>a business, as you know, because I filled out the paperwork.

0:11:08.920 --> 0:11:11.840
<v Speaker 1>Here it came my business show us. So I showed

0:11:12.120 --> 0:11:15.840
<v Speaker 1>how the business depositive money in my my my big

0:11:15.880 --> 0:11:19.320
<v Speaker 1>bank account Wells Fargo, which I'm leaving but don't judge me,

0:11:19.520 --> 0:11:22.000
<v Speaker 1>but Wells Fargo, and how I transferred that Wells Fargo

0:11:22.400 --> 0:11:25.360
<v Speaker 1>money to my ally account, which is the account that

0:11:25.440 --> 0:11:28.080
<v Speaker 1>the bank has on like you know, on their lists

0:11:28.200 --> 0:11:32.640
<v Speaker 1>or whatever. And they were like, hmm, yeah, not good enough.

0:11:32.800 --> 0:11:34.640
<v Speaker 1>I would like to see all your business records from

0:11:34.640 --> 0:11:35.280
<v Speaker 1>the last I'm.

0:11:35.160 --> 0:11:38.640
<v Speaker 2>Like, what underwriting is no joke?

0:11:38.800 --> 0:11:42.160
<v Speaker 1>What I write that? Yes, So honestly, today I was

0:11:42.200 --> 0:11:45.000
<v Speaker 1>thinking about it and I said to myself self, because

0:11:45.040 --> 0:11:48.560
<v Speaker 1>so the house came back a praised at three ninety,

0:11:49.200 --> 0:11:51.640
<v Speaker 1>which to me it's ten to twenty thousand dollars low,

0:11:51.679 --> 0:11:56.480
<v Speaker 1>but whatever, and the intention was to pull out to

0:11:56.840 --> 0:12:00.640
<v Speaker 1>eighty five, and I was like, huh, so I just

0:12:00.720 --> 0:12:02.599
<v Speaker 1>was really thinking. I said, so it was going to

0:12:02.679 --> 0:12:05.120
<v Speaker 1>leave us with a mortgage about twelve hundred dollars a month,

0:12:05.160 --> 0:12:08.240
<v Speaker 1>because because we don't have a mortgage now, we pay

0:12:08.360 --> 0:12:11.679
<v Speaker 1>taxes out of pocket every quarter, and we paid insurance

0:12:12.200 --> 0:12:13.839
<v Speaker 1>at a pocket I just paid the insurance at lump

0:12:13.920 --> 0:12:17.480
<v Speaker 1>sum for the year. So twelve hundred is the reason why.

0:12:17.520 --> 0:12:19.719
<v Speaker 1>That's why that our mortgage is so low, because it

0:12:19.760 --> 0:12:23.200
<v Speaker 1>doesn't include taxes and insurance, which most mortgages include. So

0:12:23.320 --> 0:12:25.520
<v Speaker 1>twelve hundred is not an amount that is a stress

0:12:25.600 --> 0:12:29.360
<v Speaker 1>on our financial budget. But I thought, I'm gonna pull

0:12:29.400 --> 0:12:32.640
<v Speaker 1>out two eighty five, and the way the business is going,

0:12:32.760 --> 0:12:35.960
<v Speaker 1>I'm going to see that money back in a few

0:12:36.000 --> 0:12:38.880
<v Speaker 1>months plus some change. So why again am I pulling

0:12:38.920 --> 0:12:40.079
<v Speaker 1>it out to have a more you know what I mean?

0:12:40.120 --> 0:12:42.959
<v Speaker 1>I just so I called Angelie, who's my financial planner,

0:12:43.320 --> 0:12:45.360
<v Speaker 1>and I said, hey, Angelie, because even when I told

0:12:45.400 --> 0:12:48.120
<v Speaker 1>her about the cash out refine and what did she thinks?

0:12:48.160 --> 0:12:50.640
<v Speaker 1>She was like okay, but she's like, I know how

0:12:50.640 --> 0:12:51.360
<v Speaker 1>you feel about debt.

0:12:51.360 --> 0:12:51.680
<v Speaker 2>You sure?

0:12:51.720 --> 0:12:53.320
<v Speaker 1>And I was like, yes, because I can put that

0:12:53.360 --> 0:12:56.440
<v Speaker 1>money to work and it's cheap, and she was like okay.

0:12:56.920 --> 0:12:58.840
<v Speaker 1>So and I told her today, I said, I don't

0:12:58.880 --> 0:13:02.000
<v Speaker 1>know something about out them asking for like my life's

0:13:02.040 --> 0:13:05.000
<v Speaker 1>blood for proof just irritated me. And I don't think

0:13:05.040 --> 0:13:06.720
<v Speaker 1>I want to do it. And she's like, honestly, Tiffany,

0:13:07.320 --> 0:13:10.760
<v Speaker 1>it's not bad or good, like you certainly can just

0:13:11.679 --> 0:13:14.440
<v Speaker 1>you know, and you know the next six months actually

0:13:14.440 --> 0:13:18.240
<v Speaker 1>put that amount of money toward towards, you know, your

0:13:18.640 --> 0:13:21.760
<v Speaker 1>investment strategy that we've set aside for you, or you

0:13:21.760 --> 0:13:24.160
<v Speaker 1>can pull that out now and then kind of pay

0:13:24.160 --> 0:13:25.960
<v Speaker 1>it back to yourself over time. But she's like, you

0:13:26.000 --> 0:13:28.280
<v Speaker 1>don't need to, you know, if you're if you're not

0:13:28.280 --> 0:13:31.120
<v Speaker 1>feel uncomfortable. So I decided I didn't I have to

0:13:31.120 --> 0:13:34.320
<v Speaker 1>write my mortgage comb so he'll be thrilled, but I'm

0:13:34.320 --> 0:13:37.080
<v Speaker 1>not going to do the cash out refine. I did

0:13:37.080 --> 0:13:39.040
<v Speaker 1>pay for the appraisal, but whatever.

0:13:38.960 --> 0:13:40.120
<v Speaker 2>Do you think it was a little bit of the

0:13:40.160 --> 0:13:43.080
<v Speaker 2>because I think there's so much like people are talking

0:13:43.080 --> 0:13:44.600
<v Speaker 2>about how low rates are and there's a little bit

0:13:44.640 --> 0:13:46.520
<v Speaker 2>of like it's like kind of like you're missing out

0:13:46.520 --> 0:13:47.280
<v Speaker 2>on a sale.

0:13:47.320 --> 0:13:47.480
<v Speaker 1>You know.

0:13:48.040 --> 0:13:50.040
<v Speaker 2>Do you think that was a little bit behind the

0:13:50.080 --> 0:13:52.600
<v Speaker 2>reason too, for y'all for you kind of going for

0:13:52.679 --> 0:13:54.760
<v Speaker 2>this because I don't. Because I also felt like the

0:13:54.800 --> 0:13:57.080
<v Speaker 2>pure pressure everyone's that everyone at work is talking, especially

0:13:57.080 --> 0:13:59.800
<v Speaker 2>at my company, Lending Tretey. You know, we're all about mortgage.

0:14:00.840 --> 0:14:03.120
<v Speaker 2>So I have been like, I mean, I talked to

0:14:03.160 --> 0:14:05.520
<v Speaker 2>my mortgage team and they're all excited about it and

0:14:05.559 --> 0:14:09.079
<v Speaker 2>you know, and that got me. But luckily I didn't

0:14:09.080 --> 0:14:11.200
<v Speaker 2>have time to get around to her like a long time.

0:14:11.880 --> 0:14:14.440
<v Speaker 1>It was a mix. It was it was that and

0:14:14.520 --> 0:14:17.280
<v Speaker 1>I'm not gonna lie, it was the market. I was like, ah,

0:14:17.320 --> 0:14:19.560
<v Speaker 1>am I missing out? Because I thought to myself, in

0:14:19.600 --> 0:14:21.840
<v Speaker 1>six months, who knows what the market's gonna do? Am

0:14:21.840 --> 0:14:24.880
<v Speaker 1>I missing out on? Like the market deals? Now? So

0:14:24.960 --> 0:14:26.960
<v Speaker 1>I can put this money to work. Now, you know,

0:14:27.160 --> 0:14:29.680
<v Speaker 1>even though Angelie likely wasn't going to just throw that

0:14:29.720 --> 0:14:31.640
<v Speaker 1>amount of leney into the market. She was going to

0:14:31.680 --> 0:14:34.120
<v Speaker 1>like do some dollar cost averaging and like, you know,

0:14:34.240 --> 0:14:37.640
<v Speaker 1>put money in regularly, just a larger lump sum.

0:14:37.760 --> 0:14:39.520
<v Speaker 2>Oh okay, So I missed that. So you were going

0:14:39.560 --> 0:14:42.040
<v Speaker 2>to take money out from your equity and then you

0:14:42.080 --> 0:14:44.400
<v Speaker 2>were going to invest it, like put it in the market,

0:14:45.080 --> 0:14:45.520
<v Speaker 2>because I.

0:14:45.440 --> 0:14:48.000
<v Speaker 1>Figured that, like, well, if I borrow at three point

0:14:48.040 --> 0:14:50.840
<v Speaker 1>two five percent, I can certainly make more than three

0:14:50.880 --> 0:14:53.080
<v Speaker 1>point twenty five in the market. This money's being wasted

0:14:53.120 --> 0:14:53.800
<v Speaker 1>sitting in the house.

0:14:53.840 --> 0:14:57.200
<v Speaker 2>Okay, So now I'm stressed. Now I'm like, okay, I see, but.

0:14:57.200 --> 0:14:59.400
<v Speaker 1>Do you see I was like, wait, and so.

0:14:59.480 --> 0:15:01.480
<v Speaker 2>Yeah, sense if you have the tolerance for it, but

0:15:01.480 --> 0:15:02.880
<v Speaker 2>you trusted your gut, it sounds like.

0:15:02.920 --> 0:15:04.440
<v Speaker 1>Yeah, and you know, I mean maybe we're on the

0:15:04.480 --> 0:15:06.400
<v Speaker 1>same page about debt. Don't nobody want that? And I

0:15:06.480 --> 0:15:09.280
<v Speaker 1>was like, oh, you know, And I was just like, and.

0:15:09.160 --> 0:15:12.280
<v Speaker 2>It's one thing to know intellectually that average stock market

0:15:12.360 --> 0:15:15.080
<v Speaker 2>return of seventy eight percent, but then it's like it's

0:15:15.120 --> 0:15:17.360
<v Speaker 2>the stomach. Can your stomach asks the risk, you know.

0:15:17.600 --> 0:15:19.800
<v Speaker 1>And also too, there's something that I like about and

0:15:19.800 --> 0:15:21.520
<v Speaker 1>that's what Angelie said, which I really that's why I

0:15:21.600 --> 0:15:25.920
<v Speaker 1>like her as my financial planner because she she leaves

0:15:26.000 --> 0:15:30.160
<v Speaker 1>room for, you know, the part of me that is like, Okay,

0:15:30.240 --> 0:15:34.520
<v Speaker 1>I know technically this makes sense, But Tiffany, she asked,

0:15:34.600 --> 0:15:36.640
<v Speaker 1>like several times, I know how you feel about debt.

0:15:36.920 --> 0:15:39.080
<v Speaker 1>I know how you like the safety of the fact

0:15:39.080 --> 0:15:40.840
<v Speaker 1>that your house is paid off because you did lose

0:15:40.840 --> 0:15:43.640
<v Speaker 1>your house during the last recession. Are you going to

0:15:43.640 --> 0:15:46.160
<v Speaker 1>be okay with that? And I was like, sure, yea,

0:15:46.240 --> 0:15:47.960
<v Speaker 1>ya ya yea, yeah, yeah, yah yah, yeah, yeah, yeah

0:15:48.040 --> 0:15:49.760
<v Speaker 1>yeah yea.

0:15:50.480 --> 0:15:52.320
<v Speaker 2>Millions and millions of people do this all the time.

0:15:52.360 --> 0:15:53.400
<v Speaker 2>I can do it, I know.

0:15:53.520 --> 0:15:55.520
<v Speaker 1>And then I started to think about it and I say,

0:15:55.600 --> 0:15:59.320
<v Speaker 1>you know what, I don't think I'm gonna be okay

0:15:59.360 --> 0:16:02.600
<v Speaker 1>with that because I just, you know, the last recession

0:16:02.600 --> 0:16:04.320
<v Speaker 1>did shake me to the core, and it's okay to

0:16:04.360 --> 0:16:08.880
<v Speaker 1>admit that. Yes, technically, is there a better place for

0:16:08.920 --> 0:16:12.360
<v Speaker 1>my money, Yes, but it's not the worst thing, you know,

0:16:12.440 --> 0:16:14.160
<v Speaker 1>not to jump into the market right now. And the

0:16:14.200 --> 0:16:18.040
<v Speaker 1>truth is I am putting a significant amount toward it's

0:16:18.120 --> 0:16:20.120
<v Speaker 1>just it won't be a lump sum it'll just be.

0:16:20.240 --> 0:16:23.360
<v Speaker 1>And the truth is, Angelie wasn't gonna take the whole

0:16:23.400 --> 0:16:25.200
<v Speaker 1>lump sum and throw it to the market at one time.

0:16:25.400 --> 0:16:27.960
<v Speaker 1>She was going to employ dollar cost averaging, which is

0:16:28.000 --> 0:16:32.160
<v Speaker 1>when you put in consistently put in basically during the

0:16:32.200 --> 0:16:35.440
<v Speaker 1>same time a month, like maybe it's twice a month,

0:16:35.520 --> 0:16:37.320
<v Speaker 1>or the fifth and the sixth or the or just

0:16:37.360 --> 0:16:39.760
<v Speaker 1>once a month, but you basically put money in at

0:16:39.760 --> 0:16:43.040
<v Speaker 1>the same time every month, and you can increase the amount,

0:16:43.520 --> 0:16:47.520
<v Speaker 1>but basically what you're doing is you dollar cost averaging

0:16:47.640 --> 0:16:49.960
<v Speaker 1>versus timing the market. People time the market like I

0:16:50.000 --> 0:16:52.560
<v Speaker 1>put money in now because the market is low, it's

0:16:52.600 --> 0:16:55.240
<v Speaker 1>gonna pop tomorrow. You don't know for sure if you

0:16:55.320 --> 0:16:57.880
<v Speaker 1>time the market, if you're going to be at the

0:16:57.960 --> 0:17:01.400
<v Speaker 1>right time. But with dollar cost averaging, if you put

0:17:01.400 --> 0:17:04.320
<v Speaker 1>your money in on the fifteenth of every month, there

0:17:04.320 --> 0:17:05.960
<v Speaker 1>are gonna be some times that you get the market

0:17:06.040 --> 0:17:08.280
<v Speaker 1>when it's low, there'll be some times you get the

0:17:08.320 --> 0:17:11.520
<v Speaker 1>market when it's high, and on average you will get

0:17:11.520 --> 0:17:15.520
<v Speaker 1>the average return by by nature of just just consistently

0:17:15.600 --> 0:17:18.520
<v Speaker 1>putting your money in around the same time every month.

0:17:18.600 --> 0:17:20.240
<v Speaker 1>And so she was going to do that anyway. So

0:17:20.280 --> 0:17:21.960
<v Speaker 1>I was like well, why give her a lump sum

0:17:22.359 --> 0:17:25.879
<v Speaker 1>if she's going to be putting aside, like do dollar

0:17:25.920 --> 0:17:27.919
<v Speaker 1>cost averaging with this lump sum when I can just

0:17:28.000 --> 0:17:30.280
<v Speaker 1>then give her the amount of what that would be

0:17:30.440 --> 0:17:34.440
<v Speaker 1>monthly anyway, and so and then feel safer about, you know,

0:17:34.640 --> 0:17:37.000
<v Speaker 1>not having a mortgage. So, yeah, I made that decision

0:17:37.000 --> 0:17:38.439
<v Speaker 1>today and it was a it was a it was

0:17:38.440 --> 0:17:41.920
<v Speaker 1>a goods one. But definitely refinancing right now. If you're

0:17:42.000 --> 0:17:45.439
<v Speaker 1>interest you can save one percent or yeah, one percent,

0:17:45.480 --> 0:17:47.919
<v Speaker 1>two percent. A friend of mine refinance, she's saving four

0:17:48.000 --> 0:17:50.520
<v Speaker 1>hundred bucks a month. That's that's not a small change.

0:17:50.600 --> 0:17:53.760
<v Speaker 2>Oh, that's that's huge. Yeah, and I want to so

0:17:53.880 --> 0:17:56.119
<v Speaker 2>let me So that's a really great story. And I

0:17:56.160 --> 0:17:59.560
<v Speaker 2>think Tiffany, I mean not so much of who you

0:17:59.600 --> 0:18:04.399
<v Speaker 2>are and your ethos is around not owing money and

0:18:04.960 --> 0:18:07.639
<v Speaker 2>you know, being debt free. And I'm glad that you

0:18:07.720 --> 0:18:10.119
<v Speaker 2>stuck to what makes you comfortable because you can still win.

0:18:10.200 --> 0:18:11.639
<v Speaker 2>It's just a different way of winning. You don't have

0:18:11.680 --> 0:18:13.720
<v Speaker 2>to do it everyone else's way. So I'm proud of you.

0:18:14.280 --> 0:18:17.200
<v Speaker 2>Let's look at you saying no to the banks. Also,

0:18:17.280 --> 0:18:19.200
<v Speaker 2>I kind of feel like when you had to answer

0:18:19.280 --> 0:18:21.399
<v Speaker 2>to a bank, it just got it ruffled you because

0:18:21.520 --> 0:18:23.040
<v Speaker 2>I mean, you built your own company, so you have

0:18:23.040 --> 0:18:25.000
<v Speaker 2>to answer to anybody like you're the boss, and now

0:18:25.000 --> 0:18:27.159
<v Speaker 2>they're trying to tell you to show your work, and

0:18:27.200 --> 0:18:30.119
<v Speaker 2>you're like, how, I kind of feel like this was

0:18:30.240 --> 0:18:33.480
<v Speaker 2>you like a reminder that, Okay, this is why I

0:18:33.520 --> 0:18:37.520
<v Speaker 2>don't owe anybody anything. I'm the GDP budget neista and

0:18:37.600 --> 0:18:39.920
<v Speaker 2>I'm debt free. Just a little bit, am I projecting?

0:18:40.000 --> 0:18:41.840
<v Speaker 2>Or is that part of it too? No?

0:18:42.119 --> 0:18:45.480
<v Speaker 1>I just honestly, I'm still trying to work through my

0:18:45.960 --> 0:18:49.480
<v Speaker 1>working from a place of fear, and so I need

0:18:49.600 --> 0:18:53.600
<v Speaker 1>I realized financially, I need to feel safe more than

0:18:53.600 --> 0:18:56.800
<v Speaker 1>I need to feel wealthy. Like that doesn't move me

0:18:57.119 --> 0:19:00.439
<v Speaker 1>because to me, wealthy rich, that's subjective that can go

0:19:00.480 --> 0:19:02.440
<v Speaker 1>at any time. I don't care about that, you know,

0:19:02.640 --> 0:19:06.440
<v Speaker 1>I care about security and safety. And I realized that

0:19:06.920 --> 0:19:08.800
<v Speaker 1>in the quest for like, oh, I'm gonna put this

0:19:08.840 --> 0:19:11.440
<v Speaker 1>money to work it to make me my returns. I'm like, yeah, girl,

0:19:11.440 --> 0:19:13.240
<v Speaker 1>but is that how you're gonna Is that gonna help

0:19:13.240 --> 0:19:15.760
<v Speaker 1>you sleep at night knowing you're making seven percent on

0:19:15.920 --> 0:19:18.520
<v Speaker 1>money that you've borrowed from three percent? No, what's gonna

0:19:18.520 --> 0:19:20.240
<v Speaker 1>make you sleep? Well at night is knowing that your

0:19:20.240 --> 0:19:22.720
<v Speaker 1>house is paid off and that you are working towards

0:19:22.760 --> 0:19:25.840
<v Speaker 1>your goals, but slow and steady, and so you know,

0:19:25.920 --> 0:19:29.160
<v Speaker 1>and there's nothing wrong with that. There's only something wrong

0:19:29.320 --> 0:19:32.439
<v Speaker 1>when it, you know, it really does start to hinder you.

0:19:32.560 --> 0:19:35.280
<v Speaker 1>Like before I met Angelie, when I was just saving everything,

0:19:35.359 --> 0:19:37.119
<v Speaker 1>I had like four years worth of savings in my

0:19:37.119 --> 0:19:40.040
<v Speaker 1>savings account, and I knew, girl, this doesn't make any sense.

0:19:40.080 --> 0:19:43.440
<v Speaker 1>This money is literally losing its value year after year.

0:19:43.840 --> 0:19:47.239
<v Speaker 1>So that I knew. So that although it adhere to

0:19:47.320 --> 0:19:50.080
<v Speaker 1>my sense of safety, I know, I knew I'd gone

0:19:50.080 --> 0:19:52.639
<v Speaker 1>to extreme with it. And so I'm still, you know,

0:19:52.760 --> 0:19:55.880
<v Speaker 1>I'm trying to balance and manage that feeling. But yeah,

0:19:55.920 --> 0:19:57.560
<v Speaker 1>I definitely don't feel like bad as much. It's to

0:19:57.640 --> 0:19:59.800
<v Speaker 1>I feel like anybody trying to be homeless.

0:20:00.520 --> 0:20:05.399
<v Speaker 2>Oh okay, all right, well okay, so I opposite. Today

0:20:05.480 --> 0:20:08.879
<v Speaker 2>I finally finished my paperwork and got to the next

0:20:09.320 --> 0:20:12.640
<v Speaker 2>step in the underwriting process. So, like I said, we

0:20:12.640 --> 0:20:14.640
<v Speaker 2>were aiming to reduce our rate. We had a four

0:20:14.680 --> 0:20:17.359
<v Speaker 2>point three seven five We were able to secure a

0:20:17.440 --> 0:20:19.879
<v Speaker 2>two point nine to five to two APR that the

0:20:19.960 --> 0:20:22.840
<v Speaker 2>interest rate was two point eight seven five so, and

0:20:22.920 --> 0:20:24.399
<v Speaker 2>I wanted to and I want to talk about this

0:20:24.440 --> 0:20:26.719
<v Speaker 2>because my parents are My mom and my stepdad are

0:20:26.760 --> 0:20:29.880
<v Speaker 2>also trying to refinance right now and they just bought

0:20:29.920 --> 0:20:31.600
<v Speaker 2>their house less than a year ago. But that's how

0:20:31.720 --> 0:20:34.679
<v Speaker 2>different their rates are today. And they actually were approached

0:20:34.680 --> 0:20:36.440
<v Speaker 2>by a lender, like they didn't even go out to

0:20:36.480 --> 0:20:39.119
<v Speaker 2>shop for a mortgage refive. Lenders were straight up, oh,

0:20:39.200 --> 0:20:40.840
<v Speaker 2>you can save this much on your rate. I'm going

0:20:40.880 --> 0:20:43.960
<v Speaker 2>to actively call and recruit people because they know that

0:20:44.000 --> 0:20:46.119
<v Speaker 2>everyone's talking about this and they're trying to get new

0:20:46.160 --> 0:20:48.840
<v Speaker 2>customers because even if rates are really low, that means

0:20:48.880 --> 0:20:51.240
<v Speaker 2>the borrowing is cheap for us. But the banks still

0:20:51.280 --> 0:20:54.120
<v Speaker 2>make hundreds of thousands of dollars depending on the size

0:20:54.119 --> 0:20:55.879
<v Speaker 2>of your mortgage over those thirty years that you're going

0:20:55.960 --> 0:20:58.840
<v Speaker 2>to carry it, right, And I've also seen some people

0:20:58.920 --> 0:21:01.040
<v Speaker 2>who have you know, you've owned your home for a

0:21:01.119 --> 0:21:03.800
<v Speaker 2>lot longer, it may work out for you because rates

0:21:03.840 --> 0:21:06.840
<v Speaker 2>tend to be lower for a fifteen year mortgage if

0:21:06.840 --> 0:21:09.760
<v Speaker 2>you refinance into a fifteen year loan and then you know,

0:21:09.840 --> 0:21:12.720
<v Speaker 2>reduce your rate and all that. So there's a bunch

0:21:12.720 --> 0:21:14.760
<v Speaker 2>of different strategies when it comes to refinance. But in

0:21:14.800 --> 0:21:18.119
<v Speaker 2>our particular case, it was about lowering the rate, lowering

0:21:18.119 --> 0:21:21.600
<v Speaker 2>our monthly mortgage costs. And I started my journey through

0:21:21.640 --> 0:21:25.000
<v Speaker 2>my company. It's called lending Tree, where a marketplace where

0:21:25.000 --> 0:21:28.399
<v Speaker 2>you can shop and compare rates for different loans. And

0:21:28.440 --> 0:21:30.120
<v Speaker 2>so I was like, let me use my own company,

0:21:31.080 --> 0:21:35.800
<v Speaker 2>and lending Tree matched me with two lenders. The best

0:21:35.800 --> 0:21:38.640
<v Speaker 2>negotiating strategy is to at least get two quotes, two

0:21:38.760 --> 0:21:41.600
<v Speaker 2>at a minimum. I stuck with two because it's all

0:21:41.640 --> 0:21:44.919
<v Speaker 2>I freaking had time for. So very quickly, I had

0:21:44.960 --> 0:21:47.520
<v Speaker 2>the loan estimate. And the loan estimate is all you need.

0:21:47.520 --> 0:21:48.880
<v Speaker 2>And this is what I was trumpling my mom about.

0:21:48.920 --> 0:21:51.119
<v Speaker 2>My mom is like she was on the phone with

0:21:51.200 --> 0:21:53.200
<v Speaker 2>them for thirty minutes, and I was like, just get

0:21:53.240 --> 0:21:55.920
<v Speaker 2>to the chase, Like they need your credit, give check

0:21:55.960 --> 0:21:57.600
<v Speaker 2>your credit, and they can give you a loan estimate.

0:21:57.640 --> 0:21:59.960
<v Speaker 2>They just need a few pieces of information. You know,

0:22:00.359 --> 0:22:03.240
<v Speaker 2>it's very quick. You don't need to waste your time

0:22:03.520 --> 0:22:06.640
<v Speaker 2>going through a long business pitch from the loan officer.

0:22:06.920 --> 0:22:09.480
<v Speaker 2>All you need just is like, give me the loan estimate,

0:22:09.760 --> 0:22:12.040
<v Speaker 2>take my info, yeah yeah, run my credit. It's fine,

0:22:12.359 --> 0:22:14.560
<v Speaker 2>give me a loan estimate. Because that is a document

0:22:14.880 --> 0:22:17.720
<v Speaker 2>that's standardized now as a result of the last housing crisis,

0:22:17.720 --> 0:22:21.240
<v Speaker 2>in the formation of the CFPP. Every lender has to

0:22:21.240 --> 0:22:22.600
<v Speaker 2>give you a loan estimate, which is going to have

0:22:22.680 --> 0:22:24.960
<v Speaker 2>your rate, it's going to have estimated closing costs, and

0:22:25.000 --> 0:22:28.600
<v Speaker 2>you can side by side compare one offer to another offer.

0:22:28.880 --> 0:22:32.280
<v Speaker 2>Funnily enough, I sent each I sent them each each

0:22:32.320 --> 0:22:34.359
<v Speaker 2>other's offer, and they wanted to get me on the phone,

0:22:34.800 --> 0:22:36.960
<v Speaker 2>but genuinely because I just didn't have time for more

0:22:36.960 --> 0:22:38.960
<v Speaker 2>phone calls. I was like, give me your email address.

0:22:39.000 --> 0:22:41.359
<v Speaker 2>I'm going to just email this attachment to you. Here's

0:22:41.400 --> 0:22:43.800
<v Speaker 2>their offer. I'm not playing any games here, you know,

0:22:43.880 --> 0:22:45.760
<v Speaker 2>I'm shopping. And as soon as I told him I

0:22:45.760 --> 0:22:48.040
<v Speaker 2>was shopping, I feel like I cut through so much

0:22:48.080 --> 0:22:51.199
<v Speaker 2>bullshit because they just knew, okay, let's just become with

0:22:51.200 --> 0:22:53.600
<v Speaker 2>our best and final, you know. I'm like, and I'm like,

0:22:53.800 --> 0:22:56.120
<v Speaker 2>it also helps having a screaming baby in the background.

0:22:56.160 --> 0:22:59.439
<v Speaker 2>I mean, I'm not saying to borrow someone's baby, but

0:22:59.640 --> 0:23:01.919
<v Speaker 2>it worked me. We were gogotiating our carle's and it

0:23:02.000 --> 0:23:04.080
<v Speaker 2>kind of worked for this whole mortgage thing too, because

0:23:04.359 --> 0:23:05.680
<v Speaker 2>they don't want to hear that baby in the back

0:23:05.840 --> 0:23:09.160
<v Speaker 2>end for a long time, so I was like, oh,

0:23:09.280 --> 0:23:13.200
<v Speaker 2>the baby is napping, Oh my god, the baby's crying. YadA, YadA, YadA.

0:23:13.920 --> 0:23:15.439
<v Speaker 2>So they just had them kind of go back and

0:23:15.440 --> 0:23:18.879
<v Speaker 2>forth with each other and over the course of like

0:23:18.880 --> 0:23:20.840
<v Speaker 2>I said, it was like four weeks. For me, it

0:23:20.920 --> 0:23:23.760
<v Speaker 2>was really about not letting them tell me whose timeline

0:23:23.760 --> 0:23:26.560
<v Speaker 2>I was going to go by, because even like even

0:23:26.560 --> 0:23:28.480
<v Speaker 2>when he said, oh, you need to like lock in

0:23:28.480 --> 0:23:31.200
<v Speaker 2>your rate by I talked to him on a Friday, oh,

0:23:31.280 --> 0:23:33.480
<v Speaker 2>locking your rate by Monday at nine am, and I

0:23:33.760 --> 0:23:35.600
<v Speaker 2>that deadline would come and go because I was just

0:23:35.600 --> 0:23:39.240
<v Speaker 2>busy feeding the baby and I'm like, hey, Jack, uh

0:23:39.359 --> 0:23:42.680
<v Speaker 2>is that rate so good? Like, oh, actually, worry you

0:23:42.680 --> 0:23:46.760
<v Speaker 2>want to knock off another half a percentage for oh miracle, Yeah,

0:23:46.760 --> 0:23:49.680
<v Speaker 2>a miracle on miracles because rates changed minute by minute,

0:23:49.760 --> 0:23:53.040
<v Speaker 2>day by day. So even like you know, they can

0:23:53.080 --> 0:23:54.639
<v Speaker 2>tell you that the rates, they don't know what the

0:23:54.640 --> 0:23:57.640
<v Speaker 2>market's going to do, so they really you know, yes,

0:23:57.720 --> 0:23:59.560
<v Speaker 2>rates can go up and you can get caught. But

0:23:59.600 --> 0:24:02.639
<v Speaker 2>it's like and he said right now, and they're not.

0:24:02.680 --> 0:24:04.840
<v Speaker 2>They're maybe going but like a little bit and every

0:24:04.920 --> 0:24:07.159
<v Speaker 2>day is a little bit different. But it's not so

0:24:07.320 --> 0:24:10.720
<v Speaker 2>crazy and volatile that you really are gonna miss out

0:24:11.200 --> 0:24:13.720
<v Speaker 2>entirely if you sleep on it, you know. So I'm

0:24:13.720 --> 0:24:15.800
<v Speaker 2>glad we stuck to our guns in that way, and

0:24:15.880 --> 0:24:19.159
<v Speaker 2>we're gonna, hopefully we're gonna get this thing refinanced and

0:24:19.200 --> 0:24:21.760
<v Speaker 2>save some money. Ultimately. I think we're gonna save like

0:24:21.800 --> 0:24:26.119
<v Speaker 2>two hundred and almost three hundred dollars a month. Offer

0:24:26.119 --> 0:24:30.000
<v Speaker 2>a mortgage payment, yes, what's really nice, which is real nice.

0:24:30.160 --> 0:24:32.800
<v Speaker 2>One thing I was thinking of doing, though, is if

0:24:32.800 --> 0:24:35.720
<v Speaker 2>you if I pretended like I never got a lower

0:24:35.760 --> 0:24:39.119
<v Speaker 2>mortgage payment and I just kept paying that extra you

0:24:39.119 --> 0:24:41.439
<v Speaker 2>know too, whatever a month, it would help us pay

0:24:41.480 --> 0:24:45.199
<v Speaker 2>the loandown faster. So I'm thinking if I, yeah, if

0:24:45.520 --> 0:24:47.639
<v Speaker 2>we just keep doing that, it would save us so

0:24:47.760 --> 0:24:51.160
<v Speaker 2>much down down the line, just extra couple hundred dollars

0:24:51.200 --> 0:24:53.240
<v Speaker 2>a month, you know. But of course, if you need

0:24:53.240 --> 0:24:55.240
<v Speaker 2>that money for whatever other reasons, it's great to have

0:24:55.320 --> 0:24:56.399
<v Speaker 2>that money back in your pocket.

0:24:57.359 --> 0:25:00.280
<v Speaker 1>No, it is honestly that it made that I can

0:25:00.320 --> 0:25:02.159
<v Speaker 1>just make the difference between somebody being able to make

0:25:02.160 --> 0:25:06.480
<v Speaker 1>their payment or not, you know. So, I just I

0:25:06.520 --> 0:25:09.919
<v Speaker 1>think that it's just such an interesting time when it

0:25:09.960 --> 0:25:11.000
<v Speaker 1>comes to like mortgages.

0:25:12.040 --> 0:25:14.520
<v Speaker 2>It's stressful. But I also just want to reiterate, if

0:25:14.560 --> 0:25:16.160
<v Speaker 2>you don't have the time or the energy to really

0:25:16.200 --> 0:25:20.000
<v Speaker 2>shop at minimum two, but hopefully three lenders, you know,

0:25:20.119 --> 0:25:24.600
<v Speaker 2>credit Union, an online bank, traditional bank, whatever, you don't

0:25:24.600 --> 0:25:26.800
<v Speaker 2>have time to compare and shop rates, then you don't

0:25:26.840 --> 0:25:29.479
<v Speaker 2>have time to just don't bother because that is the

0:25:29.480 --> 0:25:32.320
<v Speaker 2>best way to get a good deal. And even if

0:25:32.320 --> 0:25:34.520
<v Speaker 2>you use a marketplace like lending Tree or you do

0:25:34.560 --> 0:25:36.280
<v Speaker 2>it on your own, you just call the banks yourself

0:25:36.359 --> 0:25:39.760
<v Speaker 2>or you apply online, do yourself that favor and let

0:25:39.760 --> 0:25:42.680
<v Speaker 2>them know you're shopping and make them compete for your business,

0:25:42.680 --> 0:25:45.080
<v Speaker 2>because that is ultimately how you get the best deals

0:25:45.440 --> 0:25:48.880
<v Speaker 2>hands down. All right, that's enough about my damn mortgage, right, No?

0:25:49.119 --> 0:25:51.320
<v Speaker 1>I mean I think that's because truthfully, it's one of

0:25:51.320 --> 0:25:53.320
<v Speaker 1>the biggest things that people ask me right now, my mortgage,

0:25:53.359 --> 0:25:56.600
<v Speaker 1>my mortgage, my mortgage, because we are at a record

0:25:56.720 --> 0:25:59.960
<v Speaker 1>I can't remember the number, but the amount of people

0:26:00.119 --> 0:26:04.480
<v Speaker 1>that missed their mortgage payment. So I think there's really

0:26:04.760 --> 0:26:07.520
<v Speaker 1>no more timely conversation than your mortgage.

0:26:07.560 --> 0:26:10.160
<v Speaker 2>So well, I'm gonna well, if that's the case, because

0:26:10.200 --> 0:26:15.399
<v Speaker 2>mortgage missing your mortgage payment, there are lenders have do

0:26:15.520 --> 0:26:18.760
<v Speaker 2>have mortgage for Baron's options, So that's where you can

0:26:18.880 --> 0:26:20.919
<v Speaker 2>put your mortgage payment on pause if you're dealing with

0:26:20.960 --> 0:26:24.199
<v Speaker 2>some kind of hardship. And I'll include a link to

0:26:24.560 --> 0:26:27.200
<v Speaker 2>our guide to Mortgage for Barons, because one thing that

0:26:27.200 --> 0:26:29.760
<v Speaker 2>people don't realize is it's not like you never owe

0:26:29.800 --> 0:26:32.600
<v Speaker 2>that money. They just say, Okay, well, you know, you

0:26:32.600 --> 0:26:34.719
<v Speaker 2>can skip the next couple of mortgage payments, but then

0:26:34.800 --> 0:26:37.040
<v Speaker 2>all that money is going to be due in three

0:26:37.080 --> 0:26:39.560
<v Speaker 2>months or four months. So it can be helpful, but

0:26:39.600 --> 0:26:42.040
<v Speaker 2>you should know the risks and the pros and cons.

0:26:42.280 --> 0:26:44.200
<v Speaker 2>And on top of that, there's other ways to get

0:26:45.080 --> 0:26:47.560
<v Speaker 2>some mortgage reliefs, and especially in light of COVID, So

0:26:48.119 --> 0:26:50.280
<v Speaker 2>I'll we can put a link to that article in

0:26:50.320 --> 0:26:52.280
<v Speaker 2>the show notes for folks. And yeah, if you guys

0:26:52.320 --> 0:26:55.240
<v Speaker 2>have questions about you know, if you're struggling, you're not

0:26:55.280 --> 0:26:57.520
<v Speaker 2>making your mortgage payment or whatnot, hit us up at

0:26:57.520 --> 0:27:01.600
<v Speaker 2>Brandon Mission Podcast at gmail dot com dot com. Hopefully

0:27:01.600 --> 0:27:03.880
<v Speaker 2>we can help you guys out. I haven't gotten any

0:27:03.960 --> 0:27:05.600
<v Speaker 2>questions from folks about that quite yet.

0:27:05.800 --> 0:27:08.320
<v Speaker 1>Okay, well, what questions do we get? See you see

0:27:08.320 --> 0:27:08.880
<v Speaker 1>what I did there?

0:27:09.080 --> 0:27:10.840
<v Speaker 2>No, I see what you Let's take a quick break

0:27:10.840 --> 0:27:45.680
<v Speaker 2>and I'll come back and I'll tell you. All right,

0:27:45.960 --> 0:27:49.679
<v Speaker 2>let's go to uh Rita questions again. You guys can

0:27:49.720 --> 0:27:53.159
<v Speaker 2>hit us up Brandambission Podcast at gmail dot com Old School,

0:27:53.280 --> 0:27:56.240
<v Speaker 2>or you can go to Instagram. We're at Brandimission Podcast

0:27:56.280 --> 0:27:59.040
<v Speaker 2>on the gram or sorry on Insta? Is that what

0:27:59.080 --> 0:28:01.960
<v Speaker 2>the kids say? You can send us a DM there

0:28:02.000 --> 0:28:03.760
<v Speaker 2>and we'll try to get to your question. I pulled

0:28:03.800 --> 0:28:08.560
<v Speaker 2>from our email today and let me see we have Oh,

0:28:08.640 --> 0:28:12.400
<v Speaker 2>this actually came through Insta and email. I saw this.

0:28:12.400 --> 0:28:14.120
<v Speaker 2>This is a cool question because I had never heard

0:28:14.160 --> 0:28:16.520
<v Speaker 2>of this, Tiffany, but I hear that you might. Okay,

0:28:16.680 --> 0:28:19.760
<v Speaker 2>This listener, who wants to remain anonymous, says, hi, ladies,

0:28:19.800 --> 0:28:22.800
<v Speaker 2>have you ever heard of Susu? Yes, my sister friend

0:28:22.840 --> 0:28:26.399
<v Speaker 2>presented this to me. Have you heard of Susu? Is

0:28:26.440 --> 0:28:28.480
<v Speaker 2>it like a Ponzi scheme or a pyramid scheme?

0:28:28.960 --> 0:28:31.880
<v Speaker 1>What my guys thinks, Well, somebody who's actually emailed me this,

0:28:31.920 --> 0:28:34.600
<v Speaker 1>so Susu is. I used to think it because I

0:28:34.640 --> 0:28:36.040
<v Speaker 1>was a kid. I heard it all the time, so

0:28:36.080 --> 0:28:37.760
<v Speaker 1>I thought it was like an Ebo word or a

0:28:37.800 --> 0:28:41.000
<v Speaker 1>Nigerian word. But it's not. Apparently a lot of West

0:28:41.040 --> 0:28:43.560
<v Speaker 1>Indians used the same word. So susu is a round

0:28:43.640 --> 0:28:46.960
<v Speaker 1>robin with your money. I'm not sure where it originated from,

0:28:47.000 --> 0:28:51.160
<v Speaker 1>but a lot of immigrants folks do susue. My parents

0:28:51.160 --> 0:28:53.720
<v Speaker 1>still do susu. So what it is, Mandy, is that

0:28:54.280 --> 0:28:57.000
<v Speaker 1>it's I'll give just an example how it can work.

0:28:57.040 --> 0:28:59.800
<v Speaker 1>Like when my friend parents first came here, it was

0:28:59.840 --> 0:29:02.480
<v Speaker 1>just ten families and everybody put in fifty bucks a

0:29:02.480 --> 0:29:04.280
<v Speaker 1>month and they would rotate who would get that pot

0:29:04.320 --> 0:29:06.760
<v Speaker 1>of fifty So you're not making any money, you're not

0:29:06.760 --> 0:29:10.320
<v Speaker 1>losing any money, you're just the money is just passing hands.

0:29:10.360 --> 0:29:14.040
<v Speaker 1>And so my parents were in a sushu for like

0:29:14.080 --> 0:29:17.960
<v Speaker 1>the last thirty something years. So it's the same for

0:29:19.240 --> 0:29:22.800
<v Speaker 1>typical susus that are done in this way. It's a

0:29:22.800 --> 0:29:25.080
<v Speaker 1>group of people that know each other because the community

0:29:25.120 --> 0:29:28.360
<v Speaker 1>holds you accountable. So because if you do a susu,

0:29:28.400 --> 0:29:30.200
<v Speaker 1>a stranger somebody could just take your money and go.

0:29:30.560 --> 0:29:33.200
<v Speaker 1>But like for us, it was actually also too with

0:29:33.240 --> 0:29:36.480
<v Speaker 1>lots of immigrants. It's a very social activity and that

0:29:37.040 --> 0:29:40.360
<v Speaker 1>with susu, when it was your turn to receive the money,

0:29:40.640 --> 0:29:43.160
<v Speaker 1>you would actually host us the family, so this is

0:29:43.160 --> 0:29:45.400
<v Speaker 1>how I came to know like some of my cousins,

0:29:45.400 --> 0:29:46.920
<v Speaker 1>I thought they were my real cousins and aunts and

0:29:46.960 --> 0:29:49.440
<v Speaker 1>uncles because that's what we were made to call everyone,

0:29:49.640 --> 0:29:52.719
<v Speaker 1>not realizing until we were older that you're not related

0:29:52.720 --> 0:29:56.680
<v Speaker 1>by blood. But we would go every every month, we

0:29:56.720 --> 0:29:59.080
<v Speaker 1>would go to a different house and that would be

0:29:59.080 --> 0:30:01.920
<v Speaker 1>the house that was received being the SUSU money. But

0:30:02.040 --> 0:30:03.800
<v Speaker 1>we would eat and we would dance and the kids

0:30:03.800 --> 0:30:06.959
<v Speaker 1>would play. It was very social then it was awesome

0:30:07.000 --> 0:30:08.560
<v Speaker 1>and so but it was a way that they started

0:30:08.560 --> 0:30:11.800
<v Speaker 1>to start building, Like you know, one it was like, oh,

0:30:12.400 --> 0:30:14.320
<v Speaker 1>it went from fifty bucks, then it's to one hundred,

0:30:14.440 --> 0:30:16.720
<v Speaker 1>then five hundred to one thousand, so I remember, I

0:30:16.720 --> 0:30:18.800
<v Speaker 1>think at one point it might have even been two thousand,

0:30:19.000 --> 0:30:20.640
<v Speaker 1>where it was a thousand to the SUSU and a

0:30:20.720 --> 0:30:23.600
<v Speaker 1>thousand to an investment. My dad was in charge of

0:30:23.640 --> 0:30:26.360
<v Speaker 1>it since he was the CFOE, so he would take

0:30:26.400 --> 0:30:29.600
<v Speaker 1>the money and they actually created an investment club, which

0:30:29.640 --> 0:30:33.640
<v Speaker 1>was awesome. So no, susus are not by nature or

0:30:33.640 --> 0:30:37.239
<v Speaker 1>by design pyramid schemes because there is no pyramid in

0:30:37.280 --> 0:30:39.520
<v Speaker 1>that you don't have to bring someone in in order

0:30:39.520 --> 0:30:42.000
<v Speaker 1>to receive your money. It's the same group of people.

0:30:42.360 --> 0:30:44.479
<v Speaker 1>But I told, like I told the woman who emailed

0:30:44.480 --> 0:30:47.320
<v Speaker 1>me asking about susu, is that to me, the best

0:30:47.320 --> 0:30:51.840
<v Speaker 1>susu's work with the people that you intimately know, meaning

0:30:51.960 --> 0:30:55.320
<v Speaker 1>like you know, this is my family exactly. Like I said,

0:30:55.360 --> 0:30:57.480
<v Speaker 1>we did the SUSU like we're coming to your house.

0:30:57.800 --> 0:31:00.360
<v Speaker 1>So it would be really weird if like you just

0:31:00.520 --> 0:31:02.520
<v Speaker 1>ate at our house and all of a sudden, you know,

0:31:02.600 --> 0:31:04.200
<v Speaker 1>you're gone when it's time for us to eat at

0:31:04.200 --> 0:31:06.120
<v Speaker 1>your house, you know what I mean. Like the community

0:31:06.120 --> 0:31:08.600
<v Speaker 1>really keeps you honest. So that's what I say, because

0:31:08.600 --> 0:31:11.280
<v Speaker 1>I've seen online susus Now there's like actually like websites

0:31:11.320 --> 0:31:13.680
<v Speaker 1>and things, but I'm not doing the susu with unknowns

0:31:13.920 --> 0:31:16.520
<v Speaker 1>because you know it just you can easily just not

0:31:16.520 --> 0:31:19.480
<v Speaker 1>get your money back. So yeah, at its core and

0:31:19.640 --> 0:31:23.360
<v Speaker 1>and how it was designed, susu's are are perfectly safe

0:31:23.400 --> 0:31:28.480
<v Speaker 1>and actually great ways for collective economics to work in

0:31:28.520 --> 0:31:31.320
<v Speaker 1>a community. But you know, any like anything, it can

0:31:31.360 --> 0:31:32.800
<v Speaker 1>be turned into a scam of the wrong.

0:31:32.600 --> 0:31:35.320
<v Speaker 2>People get involved, Yeah, and be very careful, and it

0:31:35.360 --> 0:31:37.440
<v Speaker 2>sounds like there's probably no protections like you did with

0:31:37.440 --> 0:31:39.040
<v Speaker 2>the break of their bank account, like where you have

0:31:39.160 --> 0:31:43.240
<v Speaker 2>FDIC insurance and exactly you're covered. Yeah, so be careful.

0:31:43.480 --> 0:31:45.640
<v Speaker 2>It sounds interesting though, I mean, it also sounds like

0:31:46.560 --> 0:31:48.840
<v Speaker 2>it sounds like the core of so many small communities

0:31:48.880 --> 0:31:51.080
<v Speaker 2>where it's just communities helping each other, which is kind

0:31:51.080 --> 0:31:51.760
<v Speaker 2>of beautiful to me.

0:31:52.000 --> 0:31:54.719
<v Speaker 1>It is. Honestly, it's like barn raising, like you know,

0:31:54.840 --> 0:31:58.040
<v Speaker 1>in like like the Pennsylvania Dutch how they you know,

0:31:58.080 --> 0:32:00.360
<v Speaker 1>they do barn raising together and they or they have

0:32:00.440 --> 0:32:02.320
<v Speaker 1>people used to have rent parties and so it's very

0:32:02.360 --> 0:32:05.480
<v Speaker 1>reminiscent of like that old school, like you said, Mandy,

0:32:05.520 --> 0:32:08.400
<v Speaker 1>community is taking care of each other because they didn't

0:32:08.440 --> 0:32:12.000
<v Speaker 1>have access to loans and funds and things like that.

0:32:12.040 --> 0:32:14.880
<v Speaker 1>So you know, but that's why it was great, because

0:32:14.880 --> 0:32:17.320
<v Speaker 1>it was like, you live here, so if you're gonna

0:32:17.400 --> 0:32:20.360
<v Speaker 1>rob the person, we're gonna see you at church next week,

0:32:20.720 --> 0:32:22.680
<v Speaker 1>and your kids are go to school with my kids.

0:32:22.760 --> 0:32:25.200
<v Speaker 1>So there's no place to really to run and hide

0:32:25.720 --> 0:32:26.840
<v Speaker 1>in that instance.

0:32:27.240 --> 0:32:30.520
<v Speaker 2>Yeah. All right, well that's beautiful. Thank you. Hopefully that

0:32:30.560 --> 0:32:32.520
<v Speaker 2>was that answered your question. I'm pretty sure it's probably

0:32:32.520 --> 0:32:34.479
<v Speaker 2>the same person. She was like, let me hit up

0:32:34.520 --> 0:32:39.400
<v Speaker 2>a point of communication. Love that persistence, all right, I

0:32:39.440 --> 0:32:41.840
<v Speaker 2>learned something new today, and that's Susue. S o U,

0:32:41.880 --> 0:32:45.400
<v Speaker 2>s o U. All right, let's take another question. This

0:32:45.560 --> 0:32:47.960
<v Speaker 2>listener wants to go by the name Autumn. I love

0:32:48.000 --> 0:32:49.520
<v Speaker 2>the show and I can't get enough of it. You

0:32:49.640 --> 0:32:53.000
<v Speaker 2>ladies are heaven to listen to. As you're both people managers.

0:32:53.000 --> 0:32:55.840
<v Speaker 2>I'd like your opinion for a manager's perspective. If this

0:32:55.920 --> 0:32:58.520
<v Speaker 2>gets read on the show, it is Hello, you made it, Autumn.

0:32:58.560 --> 0:33:01.959
<v Speaker 2>You're here, okay, Jesus. I am a black female in

0:33:02.000 --> 0:33:05.160
<v Speaker 2>my late twenties working in IT in Atlanta. I've made

0:33:05.200 --> 0:33:08.200
<v Speaker 2>bad choices in who I work for not doing enough research,

0:33:08.240 --> 0:33:11.200
<v Speaker 2>but also not really knowing what cultural fit meant to me.

0:33:11.600 --> 0:33:14.000
<v Speaker 2>I have lately been wanting to focus on settling in

0:33:14.040 --> 0:33:17.080
<v Speaker 2>at a company long term. However, I work at a

0:33:17.200 --> 0:33:19.200
<v Speaker 2>very young company right now, and I've been here for

0:33:19.240 --> 0:33:22.160
<v Speaker 2>two years. It's an intense place where people never stop.

0:33:22.560 --> 0:33:26.640
<v Speaker 2>After two years, I've been filtering out recruiting offers, and

0:33:26.680 --> 0:33:29.120
<v Speaker 2>I found a great company that's a great culture fit

0:33:29.240 --> 0:33:32.680
<v Speaker 2>doing what I enjoy, and I've accepted an offer. Here's

0:33:32.720 --> 0:33:35.560
<v Speaker 2>the thing. I don't like giving notice until all the

0:33:35.600 --> 0:33:38.880
<v Speaker 2>paperwork is in, but that usually takes a week, leaving

0:33:38.920 --> 0:33:42.040
<v Speaker 2>me with less than two weeks notice, which isn't abnorrambal

0:33:42.120 --> 0:33:45.280
<v Speaker 2>here at my company. To be honest, my questions are,

0:33:45.400 --> 0:33:48.240
<v Speaker 2>I've rarely left with less than two weeks notice. My

0:33:48.320 --> 0:33:50.719
<v Speaker 2>last company, I gave a whole month due to respect

0:33:50.760 --> 0:33:53.720
<v Speaker 2>for my team and the company. Would you feel disrespected

0:33:53.840 --> 0:33:57.200
<v Speaker 2>or agitated at a short notice leave? Is there really

0:33:57.240 --> 0:33:59.960
<v Speaker 2>such thing as a positive perception after a short note

0:34:00.120 --> 0:34:04.200
<v Speaker 2>to exit? Yady gotta gotta I hope this wasn't too long,

0:34:04.280 --> 0:34:06.040
<v Speaker 2>Thank you, and best autumn.

0:34:07.000 --> 0:34:09.600
<v Speaker 1>This is a good question, It is very good.

0:34:09.800 --> 0:34:12.439
<v Speaker 2>So tell me your genuine reaction. So you have someone

0:34:12.480 --> 0:34:14.960
<v Speaker 2>working in your team two years, they give you a

0:34:14.960 --> 0:34:17.880
<v Speaker 2>week's notice before they leave, what would your honest reaction be.

0:34:17.960 --> 0:34:23.040
<v Speaker 1>I would be pissed, okay, because especially as like it

0:34:23.160 --> 0:34:26.120
<v Speaker 1>sounds like that company is similar to my Well we

0:34:26.120 --> 0:34:27.680
<v Speaker 1>you know we're not two years old. But you know

0:34:27.719 --> 0:34:30.200
<v Speaker 1>what I mean that when you are a small company,

0:34:30.239 --> 0:34:33.240
<v Speaker 1>we're not like some big conglomerate like you're here because

0:34:33.239 --> 0:34:35.239
<v Speaker 1>we need you. You know, we don't have like, oh,

0:34:35.280 --> 0:34:37.440
<v Speaker 1>this is just a filler position. Who has filler money?

0:34:37.800 --> 0:34:42.400
<v Speaker 1>So if unless you are like sick or you know,

0:34:42.520 --> 0:34:46.160
<v Speaker 1>something like that, obviously, but or something happened like to

0:34:46.239 --> 0:34:48.640
<v Speaker 1>a family member. But if you were just to be

0:34:48.680 --> 0:34:50.640
<v Speaker 1>like found a new job, be gone in a week,

0:34:50.680 --> 0:34:54.400
<v Speaker 1>I'd be pissed because we need you and you know,

0:34:54.520 --> 0:34:57.880
<v Speaker 1>at least two weeks to adjust to figure who is

0:34:57.960 --> 0:35:00.200
<v Speaker 1>going to be taking on some of your role. Well

0:35:00.320 --> 0:35:02.640
<v Speaker 1>maybe you know, I would ask like, uh, you know,

0:35:02.680 --> 0:35:05.200
<v Speaker 1>could you help train someone that we have in mind?

0:35:05.440 --> 0:35:07.320
<v Speaker 1>You know, to me, it just doesn't give us time

0:35:07.400 --> 0:35:12.160
<v Speaker 1>to shift and adjusts. So yeah, outside from you, you know,

0:35:12.360 --> 0:35:16.239
<v Speaker 1>leaving because you know, health safety, family, something like that,

0:35:16.360 --> 0:35:17.480
<v Speaker 1>I would not be happy with that.

0:35:18.239 --> 0:35:20.200
<v Speaker 2>Yeah, I mean, I can't lie. I would be annoyed.

0:35:20.200 --> 0:35:22.680
<v Speaker 2>I'm annoyed anytime someone leaves because it's just more work,

0:35:22.719 --> 0:35:24.719
<v Speaker 2>you know. Oh oh you gotta find someone else. You

0:35:24.760 --> 0:35:27.120
<v Speaker 2>got to recruit unless there's someone ready to take over.

0:35:28.040 --> 0:35:31.840
<v Speaker 2>It's a hassle at the same time, and I really

0:35:31.960 --> 0:35:33.840
<v Speaker 2>so as a manager, Yes, I agree with Tiffany, I

0:35:33.840 --> 0:35:37.080
<v Speaker 2>would be annoyed, but I think you can. I understand

0:35:37.080 --> 0:35:39.879
<v Speaker 2>your hesitation too, because it is smart to wait until

0:35:39.880 --> 0:35:42.279
<v Speaker 2>you've got the job offer in writing, you've passed the

0:35:42.320 --> 0:35:45.239
<v Speaker 2>background check and all that has happened before you quit

0:35:45.239 --> 0:35:48.040
<v Speaker 2>your current job, I would ask you if you can

0:35:48.080 --> 0:35:50.200
<v Speaker 2>ask your new employer to give you an extra week

0:35:50.280 --> 0:35:52.480
<v Speaker 2>because out of respect to your company, you know, just

0:35:52.520 --> 0:35:54.880
<v Speaker 2>tell them you need to give them two weeks notice

0:35:54.920 --> 0:35:58.239
<v Speaker 2>so you need a later start date. I'm guessing that

0:35:58.280 --> 0:36:00.319
<v Speaker 2>they would give you that extra week if a very

0:36:00.360 --> 0:36:02.520
<v Speaker 2>excited to have you, So I would go with that first.

0:36:02.600 --> 0:36:04.719
<v Speaker 2>If they absolutely say no, you must start at X

0:36:04.840 --> 0:36:08.400
<v Speaker 2>Y date, then that makes your explanation to your company

0:36:08.520 --> 0:36:11.719
<v Speaker 2>a little bit easier to swallow. And I'll also say

0:36:11.760 --> 0:36:13.600
<v Speaker 2>that even though I've been annoyed and people have given

0:36:13.640 --> 0:36:15.080
<v Speaker 2>me less than two weeks, and I've looked at the

0:36:15.080 --> 0:36:17.760
<v Speaker 2>calendar and been like, this is eleven days, not fourteen

0:36:18.840 --> 0:36:21.239
<v Speaker 2>I have and I've gone to HR like rap, what

0:36:21.280 --> 0:36:23.720
<v Speaker 2>if they but it's not two weeks and we can't

0:36:23.719 --> 0:36:26.279
<v Speaker 2>do anything about it. It's not like you know, in

0:36:26.280 --> 0:36:29.439
<v Speaker 2>your employment what's HR speak, Your employment is at will, yeah,

0:36:29.440 --> 0:36:31.680
<v Speaker 2>which is our you know, our will to want you

0:36:31.760 --> 0:36:34.200
<v Speaker 2>here and your will to be here, so we can't actually,

0:36:34.200 --> 0:36:36.080
<v Speaker 2>you know, like slavery is abolished, believe it or not,

0:36:36.200 --> 0:36:39.279
<v Speaker 2>so we cannot force you to stay. So you know,

0:36:39.480 --> 0:36:42.319
<v Speaker 2>there's nothing we can really do about it. And if

0:36:42.440 --> 0:36:45.359
<v Speaker 2>and so, but my thing is like, so can you

0:36:45.840 --> 0:36:48.200
<v Speaker 2>get the extra week? But if this job is so

0:36:48.640 --> 0:36:52.040
<v Speaker 2>great and you're really excited about it, and that's just

0:36:52.080 --> 0:36:54.880
<v Speaker 2>the way the cookie has crumbled, you know, just do it.

0:36:55.920 --> 0:36:57.719
<v Speaker 2>Try to do it in the most respectful way that

0:36:57.760 --> 0:37:01.120
<v Speaker 2>you can. Accept that you may annoy some people, as

0:37:01.160 --> 0:37:03.720
<v Speaker 2>I have done many times in my life and career,

0:37:03.880 --> 0:37:06.759
<v Speaker 2>and be okay with that. Yep, they will get over it,

0:37:06.840 --> 0:37:09.239
<v Speaker 2>and hopefully you are such a great employee that time

0:37:09.280 --> 0:37:11.160
<v Speaker 2>will go on and they will think fondly about you.

0:37:11.800 --> 0:37:14.480
<v Speaker 1>Yeah, and I just you know, to Menday's point that, yeah,

0:37:14.520 --> 0:37:16.400
<v Speaker 1>I mean you, at the end of the day, you're

0:37:16.440 --> 0:37:18.719
<v Speaker 1>supposed to do what's best for you. But just being

0:37:18.800 --> 0:37:21.040
<v Speaker 1>also because here's the thing, you want to be mindful

0:37:21.239 --> 0:37:23.920
<v Speaker 1>because my sister would always say, if you stay in

0:37:23.920 --> 0:37:26.160
<v Speaker 1>the field long enough, you start to see the same people.

0:37:26.360 --> 0:37:29.080
<v Speaker 1>So just be mindful of that. So, you know, like

0:37:29.400 --> 0:37:33.160
<v Speaker 1>when she was in pharmaceutical sales for Pharmacit she's a scientist,

0:37:33.320 --> 0:37:36.480
<v Speaker 1>for example, she was like yo when she now lives

0:37:36.520 --> 0:37:38.600
<v Speaker 1>in Chicago, but when she was in Jersey and she

0:37:38.600 --> 0:37:41.759
<v Speaker 1>had an internship, she ended up being interviewed by you know,

0:37:41.840 --> 0:37:44.399
<v Speaker 1>one of the women that she had an internship with.

0:37:44.480 --> 0:37:47.960
<v Speaker 1>So people you're young, and that you just want to

0:37:47.960 --> 0:37:49.440
<v Speaker 1>be mindful like, oh, you're the one who left me

0:37:49.480 --> 0:37:51.680
<v Speaker 1>with all the work. Yeah yeah, girl, you're not getting

0:37:51.680 --> 0:37:53.600
<v Speaker 1>this job, so you just want to be mindful of

0:37:53.600 --> 0:37:55.400
<v Speaker 1>that as well. That if you're going to stay in

0:37:55.400 --> 0:37:58.440
<v Speaker 1>that same industry, you know you will likely see those

0:37:58.480 --> 0:38:02.080
<v Speaker 1>same people again. So just doing your best, but don't

0:38:02.080 --> 0:38:03.839
<v Speaker 1>put yourself in harm's way in order to make sure

0:38:03.880 --> 0:38:04.800
<v Speaker 1>the company is okay.

0:38:05.840 --> 0:38:08.520
<v Speaker 2>As someone who has employed two of my previous bosses,

0:38:08.640 --> 0:38:14.359
<v Speaker 2>I can't agree with you as freelancers. Yeah, and and

0:38:14.680 --> 0:38:16.719
<v Speaker 2>do your put your best foot forward. Tell them that

0:38:16.760 --> 0:38:19.080
<v Speaker 2>you can help them find a replacement, you know, take

0:38:19.080 --> 0:38:21.160
<v Speaker 2>your time to think about how you can pass on

0:38:21.239 --> 0:38:23.960
<v Speaker 2>your duties like their make their jobs easier if you

0:38:24.040 --> 0:38:26.279
<v Speaker 2>if you respect them, you know, show them how you've

0:38:26.280 --> 0:38:28.960
<v Speaker 2>thought through your transition and how you're going to help

0:38:29.000 --> 0:38:31.719
<v Speaker 2>them with your transition, so you can at least let

0:38:31.719 --> 0:38:34.840
<v Speaker 2>the medicine go down a little bit smoother. But congratulations,

0:38:34.840 --> 0:38:36.520
<v Speaker 2>you're in your twenties. This is what's supposed to happen.

0:38:36.600 --> 0:38:37.040
<v Speaker 1>Yeah, it is.

0:38:37.200 --> 0:38:39.120
<v Speaker 2>I tell you guys, how I got a job of

0:38:39.200 --> 0:38:41.320
<v Speaker 2>newspaper and then I quit two weeks after I started

0:38:41.600 --> 0:38:42.319
<v Speaker 2>to go to New York.

0:38:42.400 --> 0:38:43.279
<v Speaker 1>Sometimes that's how it be.

0:38:43.880 --> 0:38:46.600
<v Speaker 2>They're fine, gainstled times. Are you still around? Yes, you are.

0:38:46.640 --> 0:38:50.239
<v Speaker 2>You are just just fine. Someone else went to those

0:38:50.800 --> 0:38:54.279
<v Speaker 2>Board of Education meetings that wasn't me, and the world

0:38:54.400 --> 0:38:57.040
<v Speaker 2>kept on spinning. All right, Well, thank you Autumn for

0:38:57.080 --> 0:38:59.399
<v Speaker 2>your question, and we'll leave it there. Thank you guys

0:38:59.680 --> 0:39:02.160
<v Speaker 2>again Instagram at Brandon Mission Podcast, where you can hit

0:39:02.239 --> 0:39:05.200
<v Speaker 2>us up on our Gmail at Brandimission Podcast at gmail

0:39:05.200 --> 0:39:07.320
<v Speaker 2>dot com dot com.

0:39:08.360 --> 0:39:11.680
<v Speaker 1>So I'm gonna boosty boosty up. First, I'm gonna boost up.

0:39:11.719 --> 0:39:14.799
<v Speaker 1>My anniversary was yesterday, three years down, forever to go.

0:39:15.040 --> 0:39:17.640
<v Speaker 1>How pleased. But I have to say, like, I'm not

0:39:17.760 --> 0:39:20.839
<v Speaker 1>really you know what, Let me not say that. I'm

0:39:20.920 --> 0:39:23.239
<v Speaker 1>learning that sometimes I tell myself, oh, I don't really

0:39:23.239 --> 0:39:24.799
<v Speaker 1>care about things like that, but I'm like, is that

0:39:24.840 --> 0:39:26.799
<v Speaker 1>true or you're just psyching yourself out. I'm learning this

0:39:26.840 --> 0:39:31.000
<v Speaker 1>from my business coaching, where sometimes I preemptively accept less

0:39:31.000 --> 0:39:34.399
<v Speaker 1>so I won't be disappointed. So anyway, I to say

0:39:34.400 --> 0:39:37.800
<v Speaker 1>all that to say I wasn't expecting anything, but Superman

0:39:37.880 --> 0:39:39.880
<v Speaker 1>actually had like plant and that turns out later like

0:39:39.880 --> 0:39:41.839
<v Speaker 1>all my friends called me. They're like, did you enjoy it?

0:39:41.880 --> 0:39:44.160
<v Speaker 1>Did you like it? And I'm like what. So apparently

0:39:44.160 --> 0:39:46.640
<v Speaker 1>he called everybody like a month ahead of time and

0:39:46.800 --> 0:39:47.480
<v Speaker 1>was planning this.

0:39:47.600 --> 0:39:50.120
<v Speaker 2>I was like, oh, my gods, that's so sweet. I

0:39:50.200 --> 0:39:51.480
<v Speaker 2>know in some efforts.

0:39:51.560 --> 0:39:54.600
<v Speaker 1>Yeah. So well, we went like plant shopping earlier in

0:39:54.600 --> 0:39:56.040
<v Speaker 1>the day because I was like, I killed all the plants,

0:39:56.080 --> 0:39:58.680
<v Speaker 1>let's buy some new ones that I can kill. And

0:39:58.719 --> 0:40:02.040
<v Speaker 1>then then we had like lunch and we ate it

0:40:02.080 --> 0:40:04.120
<v Speaker 1>at As we were eating it in the park, I

0:40:04.200 --> 0:40:06.200
<v Speaker 1>was like, Babe, literally three years ago, this is the

0:40:06.200 --> 0:40:08.320
<v Speaker 1>park where we took our pictures. So it just was

0:40:08.400 --> 0:40:10.120
<v Speaker 1>so ironic that we were back in the same park

0:40:10.160 --> 0:40:13.120
<v Speaker 1>where we took our our pictures before we got married.

0:40:13.560 --> 0:40:14.840
<v Speaker 1>And then I just thought that was it, that we

0:40:14.840 --> 0:40:16.759
<v Speaker 1>were just gonna kind of like chill. I took a

0:40:16.840 --> 0:40:18.839
<v Speaker 1>nap and when I woke up, my sister was like, oh,

0:40:18.920 --> 0:40:22.200
<v Speaker 1>let's let's go to our friend's house and I was like, okay, Rando.

0:40:22.640 --> 0:40:25.040
<v Speaker 1>But it turned out Superman was like, can you get

0:40:25.040 --> 0:40:27.680
<v Speaker 1>Tiffany out of the house, and he hired Vonda. If

0:40:27.719 --> 0:40:30.680
<v Speaker 1>you heard me talk about her before, because Vonda was

0:40:31.239 --> 0:40:35.560
<v Speaker 1>she Yes, she catered my my wedding and so he

0:40:35.640 --> 0:40:38.000
<v Speaker 1>got fortieth party, right, yes, So the fact that he

0:40:38.080 --> 0:40:40.920
<v Speaker 1>hired her to do like just a two person dinner

0:40:41.200 --> 0:40:43.040
<v Speaker 1>and all of mine was seafood and he got a

0:40:43.080 --> 0:40:45.640
<v Speaker 1>steak and like because the table was so like literally,

0:40:45.640 --> 0:40:48.480
<v Speaker 1>we have these these pocket doors. So I walked in

0:40:48.520 --> 0:40:50.239
<v Speaker 1>and like he opened the pocket doors and it was

0:40:50.360 --> 0:40:54.400
<v Speaker 1>like candles and ambiance and beautifully beautiful place decending and

0:40:54.480 --> 0:40:56.319
<v Speaker 1>I know Superman does not know salad for it from

0:40:56.320 --> 0:40:59.560
<v Speaker 1>dinner fork. I was like, who said this flight? And

0:40:59.640 --> 0:41:03.120
<v Speaker 1>it was just honestly so beautiful and like candles outside,

0:41:03.160 --> 0:41:05.759
<v Speaker 1>So it was inside dinner, but then outside just like

0:41:06.040 --> 0:41:08.480
<v Speaker 1>we just brought this new outside counch and they were

0:41:08.520 --> 0:41:11.480
<v Speaker 1>like candles and flowers and Superman because you know, it's

0:41:11.480 --> 0:41:13.680
<v Speaker 1>a hood level. We got up in here. When I

0:41:13.719 --> 0:41:18.040
<v Speaker 1>went upstairs, why were there? He bought me the Jordan five,

0:41:18.120 --> 0:41:21.200
<v Speaker 1>the Jordan retro fives. I was like, oh, that was

0:41:21.239 --> 0:41:24.920
<v Speaker 1>like a parachutes. Yes, Jordan's. They're just Jordan's girl. I didn't.

0:41:25.120 --> 0:41:26.640
<v Speaker 1>I mean, I only know the retro frivees because I

0:41:26.640 --> 0:41:28.120
<v Speaker 1>heard him tell somebody on the phone, Yeah, I had

0:41:28.120 --> 0:41:30.760
<v Speaker 1>the retro fives. I'm like, what is that, but anyway,

0:41:30.800 --> 0:41:31.440
<v Speaker 1>they were cute.

0:41:31.440 --> 0:41:33.400
<v Speaker 2>Did you want the Jordan retro five? I don't know,

0:41:33.640 --> 0:41:36.000
<v Speaker 2>because one day can't picture you like I thought we

0:41:36.000 --> 0:41:36.840
<v Speaker 2>were roth these girls.

0:41:36.920 --> 0:41:38.960
<v Speaker 1>I am and I sid well because what it is

0:41:39.000 --> 0:41:41.560
<v Speaker 1>that one day Supergirl had on some really cute sneakers

0:41:41.560 --> 0:41:42.960
<v Speaker 1>and I'm like, oh, those they're cute. She's like, oh,

0:41:43.040 --> 0:41:44.920
<v Speaker 1>these are Jordan's. I was like, oh yeah, I oh,

0:41:44.960 --> 0:41:46.600
<v Speaker 1>you know, I see that because it's a little man

0:41:46.719 --> 0:41:49.759
<v Speaker 1>jumping in the back. And so Man since then has

0:41:49.800 --> 0:41:52.280
<v Speaker 1>been on the hunt for those Jordans. I mean, they're cute,

0:41:52.400 --> 0:41:54.600
<v Speaker 1>but you know, I honest say, I think they're adorable,

0:41:54.760 --> 0:41:56.360
<v Speaker 1>but it's not something I would have picked out for

0:41:56.400 --> 0:41:58.840
<v Speaker 1>myself and he knows that. So she just got them

0:41:58.880 --> 0:42:00.560
<v Speaker 1>for me. And I just thought that was really because

0:42:00.680 --> 0:42:04.400
<v Speaker 1>from two years ago hearing me say that supergirls speakers

0:42:04.400 --> 0:42:07.440
<v Speaker 1>were cute while she was eleven, I have them now.

0:42:08.680 --> 0:42:11.640
<v Speaker 2>I love that. I feel like that's when my husband

0:42:11.680 --> 0:42:14.279
<v Speaker 2>gets excited when I express any interest in any type

0:42:14.280 --> 0:42:16.480
<v Speaker 2>of gadget. Like once every three years, I'll be okay

0:42:16.480 --> 0:42:18.200
<v Speaker 2>to get a new iPhone or something, and then he

0:42:18.239 --> 0:42:20.520
<v Speaker 2>gets really excited about picking it out and setting it

0:42:20.600 --> 0:42:22.440
<v Speaker 2>up for me, Yeah, exactly.

0:42:22.560 --> 0:42:24.720
<v Speaker 1>Yeah, it was just really honestly, it's just the effort

0:42:24.760 --> 0:42:27.520
<v Speaker 1>involved and the sweetness and yeah, I just it was

0:42:27.560 --> 0:42:29.279
<v Speaker 1>honestly like one of our best anniversary. I mean, we

0:42:29.320 --> 0:42:31.960
<v Speaker 1>always have good anniversaries, but it just was really nice

0:42:31.960 --> 0:42:34.000
<v Speaker 1>because it was our first one in the house and

0:42:34.520 --> 0:42:36.680
<v Speaker 1>we were just sitting there just kind of like soaking

0:42:36.719 --> 0:42:39.600
<v Speaker 1>in with all the craziness that's happened out there. It

0:42:39.719 --> 0:42:43.640
<v Speaker 1>was just a time of like reflection and gratefulness and like,

0:42:43.719 --> 0:42:46.400
<v Speaker 1>I have a really awesome life, not because of stuff,

0:42:46.440 --> 0:42:48.640
<v Speaker 1>but because of the people in it. And so yeah,

0:42:48.680 --> 0:42:49.320
<v Speaker 1>it was awesome.

0:42:49.920 --> 0:42:52.400
<v Speaker 2>Ay man, you know, on Facebook reminded me that it

0:42:52.440 --> 0:42:54.440
<v Speaker 2>was your anniversary because it's also the same day as

0:42:54.440 --> 0:42:57.080
<v Speaker 2>my husband's. But yes, I saw that, and I don't

0:42:57.120 --> 0:42:59.040
<v Speaker 2>know what was happening in twenty seventeen, but I must

0:42:59.080 --> 0:43:00.520
<v Speaker 2>have thought it was a lot. I didn't know what

0:43:00.560 --> 0:43:02.799
<v Speaker 2>was coming in twenty twenty, because my comment was like,

0:43:03.080 --> 0:43:05.520
<v Speaker 2>it's in times like crazy, times like these, you got

0:43:05.520 --> 0:43:09.239
<v Speaker 2>to appreciate days filled with love and gratitude. Congrats to

0:43:09.280 --> 0:43:12.439
<v Speaker 2>my bff Tiffany on her wedding and all that. And

0:43:13.120 --> 0:43:16.480
<v Speaker 2>if only I could have known, and I mean that

0:43:16.680 --> 0:43:18.520
<v Speaker 2>even more today. You have got to hang on to

0:43:18.600 --> 0:43:22.759
<v Speaker 2>those beautiful moments, beautiful moments. I did zero, and I

0:43:22.800 --> 0:43:26.200
<v Speaker 2>mean negative things for my husband's birthday. The luckily his

0:43:26.719 --> 0:43:29.080
<v Speaker 2>birthday was the same day as your anniversary. But last

0:43:29.080 --> 0:43:30.960
<v Speaker 2>week was Father's Day, y'all, and I put all my

0:43:31.120 --> 0:43:33.280
<v Speaker 2>energy into Father's Day, and I kind of forgot about

0:43:33.280 --> 0:43:37.000
<v Speaker 2>his birthday. So I think it's fine. His parents like

0:43:37.080 --> 0:43:40.200
<v Speaker 2>came over, there was a cake, his brother traveled from DC.

0:43:40.320 --> 0:43:40.960
<v Speaker 2>It was lovely.

0:43:41.080 --> 0:43:41.800
<v Speaker 1>Oh that's nice.

0:43:42.440 --> 0:43:45.480
<v Speaker 2>Yeah, so we did a little something something with masks on. Well,

0:43:45.520 --> 0:43:47.839
<v Speaker 2>it's beautiful. Congrats. Another year is super love.

0:43:48.760 --> 0:43:51.319
<v Speaker 1>I love that hashtag super love super love.

0:43:51.719 --> 0:43:56.680
<v Speaker 2>All right, well then I'll steal the bet slash. Beyonce

0:43:57.000 --> 0:44:01.920
<v Speaker 2>Black Pride visual album news I be seen the trailer

0:44:02.000 --> 0:44:03.919
<v Speaker 2>for her visual thing.

0:44:04.200 --> 0:44:05.120
<v Speaker 1>Is it super black?

0:44:05.920 --> 0:44:08.239
<v Speaker 2>It's well, of course, blackly Black by Black. No, it's well,

0:44:08.280 --> 0:44:10.440
<v Speaker 2>it's it's I'm confused. I don't know why it's coming

0:44:10.480 --> 0:44:12.600
<v Speaker 2>out now, but it was. It was a visual album

0:44:12.640 --> 0:44:14.960
<v Speaker 2>to go along with The Lion King. The Gift. That

0:44:15.440 --> 0:44:17.600
<v Speaker 2>record that she released in conjunction with the movie was

0:44:17.600 --> 0:44:20.080
<v Speaker 2>that last summer I feels like a million years ago.

0:44:20.560 --> 0:44:23.160
<v Speaker 2>So Anyway, it's a visual album. The trailer. I think

0:44:23.160 --> 0:44:26.280
<v Speaker 2>it's coming out on Disney Plus, but apparently I missed.

0:44:26.520 --> 0:44:29.239
<v Speaker 2>First of all, I don't like up is down, Lift

0:44:29.280 --> 0:44:32.239
<v Speaker 2>is Right, so I'd forgot all about award shows or

0:44:32.280 --> 0:44:34.520
<v Speaker 2>that they were even happening. But the BET Awards got

0:44:34.600 --> 0:44:38.200
<v Speaker 2>rave reviews on social media, so I need to go, Yeah,

0:44:38.239 --> 0:44:41.279
<v Speaker 2>how does how did they even do a award show?

0:44:41.360 --> 0:44:43.040
<v Speaker 1>I'm not gonna I didn't watch it because I didn't

0:44:43.200 --> 0:44:45.320
<v Speaker 1>I guess they were on TV, but I just watched

0:44:45.320 --> 0:44:48.319
<v Speaker 1>because BT put like full clips on their ig like,

0:44:48.360 --> 0:44:50.560
<v Speaker 1>you know, like ig TV, So I just was watching

0:44:50.640 --> 0:44:55.040
<v Speaker 1>everyone's full set and it was beautifully produced, amazing. I'm like,

0:44:55.239 --> 0:44:57.279
<v Speaker 1>what they need more digital show?

0:44:57.320 --> 0:44:59.879
<v Speaker 2>The Stalin in the Desert were that pre tape? Like yeah,

0:45:00.080 --> 0:45:02.160
<v Speaker 2>so I staid up, like what's happening? Was that live?

0:45:02.320 --> 0:45:04.160
<v Speaker 2>I don't understand it?

0:45:04.160 --> 0:45:06.399
<v Speaker 1>It was amazing, So like, literally just go to BT

0:45:06.560 --> 0:45:09.440
<v Speaker 1>and just click on their their ig TVs and just

0:45:09.480 --> 0:45:11.480
<v Speaker 1>settle in and watch. They were beautiful.

0:45:11.800 --> 0:45:13.920
<v Speaker 2>Oh okay, what was your favorite?

0:45:14.400 --> 0:45:16.360
<v Speaker 1>I really liked to make the Stallion. There was a guy,

0:45:17.120 --> 0:45:20.239
<v Speaker 1>uh his voice was so good, you know what it is,

0:45:20.600 --> 0:45:22.359
<v Speaker 1>and so many people I had never heard of before

0:45:22.400 --> 0:45:25.520
<v Speaker 1>because you know, I'm getting old. But what I really

0:45:25.640 --> 0:45:28.359
<v Speaker 1>liked was the clear social commentary, like they didn't shy

0:45:28.440 --> 0:45:30.480
<v Speaker 1>away from saying the thing. You know what I mean.

0:45:30.920 --> 0:45:33.239
<v Speaker 1>I was really just But there was one guy in

0:45:33.239 --> 0:45:36.960
<v Speaker 1>particular that his voice was just so I had to

0:45:37.000 --> 0:45:40.520
<v Speaker 1>go and follow him. The video was like him and

0:45:40.600 --> 0:45:43.840
<v Speaker 1>another rapper guy, but his voice in particular just moved me.

0:45:44.040 --> 0:45:47.080
<v Speaker 1>I'm like, can I find him? I don't.

0:45:47.120 --> 0:45:49.200
<v Speaker 2>I don't get say it was an Usher I heard

0:45:49.280 --> 0:45:49.880
<v Speaker 2>Usher perform.

0:45:50.200 --> 0:45:51.839
<v Speaker 1>No, no, no, it wasn't. Although I mean that was

0:45:51.880 --> 0:45:54.160
<v Speaker 1>you know, that was nice, but it was The Baby

0:45:54.200 --> 0:45:57.240
<v Speaker 1>actually had a really cool video. But do the Baby

0:45:57.280 --> 0:45:58.640
<v Speaker 1>the fact that I'm saying that, it's.

0:45:58.560 --> 0:46:04.720
<v Speaker 2>Just doesn't it sound wood? Do you go by baby

0:46:04.840 --> 0:46:05.160
<v Speaker 2>or duh?

0:46:05.440 --> 0:46:09.680
<v Speaker 1>You No? It's literally the Baby.

0:46:08.400 --> 0:46:09.680
<v Speaker 2>Where I had to because his boy.

0:46:09.800 --> 0:46:14.080
<v Speaker 1>Well one there's this this this guy named John mc reynolds.

0:46:14.120 --> 0:46:17.120
<v Speaker 1>He's a gospel singer who's awesome. But I'm telling you,

0:46:17.160 --> 0:46:18.799
<v Speaker 1>there was this one guy. It was so melodic and

0:46:19.320 --> 0:46:22.320
<v Speaker 1>it was, uh, it was almost like they were showing

0:46:22.320 --> 0:46:25.279
<v Speaker 1>them so I think it was called Lockdown. Someone's gonna

0:46:25.280 --> 0:46:27.120
<v Speaker 1>tell me the name of the song. But oh, I

0:46:27.200 --> 0:46:32.160
<v Speaker 1>found it. So it was Lockdown by Anderson Pack featuring

0:46:32.320 --> 0:46:34.120
<v Speaker 1>Jay Rock, and it was just to me, it was

0:46:34.120 --> 0:46:37.520
<v Speaker 1>beautiful and so mm hmm. It was so Yeah. So

0:46:37.520 --> 0:46:40.000
<v Speaker 1>if you are scrolling through Beat's IG stories, like just

0:46:40.000 --> 0:46:42.959
<v Speaker 1>click on their ID story button and you can watch

0:46:42.960 --> 0:46:44.600
<v Speaker 1>the Lockdown. It was just to me, it was just

0:46:44.600 --> 0:46:48.799
<v Speaker 1>a It was a very poignant presentation, but it was

0:46:48.840 --> 0:46:51.400
<v Speaker 1>just melodic and real like so much of it. And

0:46:51.400 --> 0:46:55.680
<v Speaker 1>then Amanda Sales did such a great job with with hosting.

0:46:55.760 --> 0:46:56.759
<v Speaker 1>I just love how they did.

0:46:58.360 --> 0:47:00.360
<v Speaker 2>What does that work? Okay, I'm fascinating. I need to

0:47:00.400 --> 0:47:00.680
<v Speaker 2>go out.

0:47:00.719 --> 0:47:02.480
<v Speaker 1>You have to go watch because what she did too

0:47:02.600 --> 0:47:07.400
<v Speaker 1>is they recreated some iconic bteam almost like BT Comic

0:47:07.480 --> 0:47:10.120
<v Speaker 1>View what sick some park be too. It was just

0:47:10.880 --> 0:47:13.799
<v Speaker 1>so well done and yeah, you have to it was

0:47:13.840 --> 0:47:14.480
<v Speaker 1>just so well done.

0:47:15.520 --> 0:47:19.799
<v Speaker 2>Okay, no spoilers except for the Beyonce thing. Oh that's

0:47:19.800 --> 0:47:22.759
<v Speaker 2>really exciting. Well, I'm glad that beet rose to the occasion. Yes,

0:47:22.840 --> 0:47:24.480
<v Speaker 2>I should have watched that last night instead of the

0:47:24.520 --> 0:47:27.840
<v Speaker 2>really disturbing Malcolm X documentary on Netflix that I decided

0:47:27.880 --> 0:47:31.120
<v Speaker 2>to get really depressed about. That was a bad choice,

0:47:31.640 --> 0:47:33.719
<v Speaker 2>but a woke choice. Okay, I'm going to get caught

0:47:33.800 --> 0:47:38.280
<v Speaker 2>up on bet asap. All right, Well we are twelve

0:47:38.280 --> 0:47:40.600
<v Speaker 2>minutes over, it's ten pm on a Monday, and you're

0:47:40.719 --> 0:47:42.680
<v Speaker 2>talking to me, and I love you for it, thank you.

0:47:42.920 --> 0:47:43.880
<v Speaker 2>I love your showing up.

0:47:44.920 --> 0:47:48.200
<v Speaker 1>Its life is crazy, yes, not crazier than the people

0:47:48.239 --> 0:47:51.759
<v Speaker 1>who shoot these damn firecrackers at o'clock at night.

0:47:52.120 --> 0:47:55.680
<v Speaker 2>We had our first firecracker incident last night. Molly will

0:47:55.680 --> 0:47:59.640
<v Speaker 2>never be the same, Oh poor Molly. Yeah, I don't understand.

0:47:59.680 --> 0:48:01.839
<v Speaker 2>It's not even like why are people it is just

0:48:01.960 --> 0:48:02.719
<v Speaker 2>is it like a thing?

0:48:02.800 --> 0:48:04.560
<v Speaker 1>It's a thing, you know, it's a It's a thing.

0:48:04.680 --> 0:48:06.840
<v Speaker 1>And I just want to meet the demands of whoever

0:48:06.880 --> 0:48:09.319
<v Speaker 1>this is and say what do you need? You could

0:48:09.360 --> 0:48:12.879
<v Speaker 1>have all the things, just please stop ten not fraid enough,

0:48:13.000 --> 0:48:14.920
<v Speaker 1>I know because I'm like, are they still in the

0:48:15.040 --> 0:48:18.480
<v Speaker 1>Girl's like no, Swiregreggors. I'm like, okay, well needs to

0:48:18.480 --> 0:48:20.120
<v Speaker 1>have the difference. He's like, you would know the difference.

0:48:20.120 --> 0:48:21.680
<v Speaker 1>I'm like, how do you know the difference, sir?

0:48:22.120 --> 0:48:23.960
<v Speaker 2>But you know that white couple in the mansion in

0:48:24.000 --> 0:48:26.719
<v Speaker 2>Saint Louis who are pointing their little pistol in there,

0:48:26.840 --> 0:48:28.440
<v Speaker 2>and what is it? An aka I don't know it's

0:48:28.440 --> 0:48:31.160
<v Speaker 2>a AR fifteen. I don't know these assault weapon terminologies.

0:48:31.600 --> 0:48:32.880
<v Speaker 2>That clip was so disturbing.

0:48:33.000 --> 0:48:33.880
<v Speaker 1>I didn't see that.

0:48:34.400 --> 0:48:36.799
<v Speaker 2>You didn't see Saint Louis protesters. You need to look

0:48:36.840 --> 0:48:39.840
<v Speaker 2>at it real quick. It's funny, how like you. I

0:48:39.840 --> 0:48:42.840
<v Speaker 2>feel like you can miss so much craziness because everything

0:48:42.880 --> 0:48:45.080
<v Speaker 2>is crazy and the world's on fire in every state

0:48:45.160 --> 0:48:48.000
<v Speaker 2>right now. But anyway, there's this viral clip. Our own president,

0:48:48.680 --> 0:48:53.440
<v Speaker 2>he who must not be named, retweeted n this video. Anyway,

0:48:53.440 --> 0:48:56.759
<v Speaker 2>it's a Saint Louis protesters. They were protesting the mayor

0:48:56.800 --> 0:49:00.520
<v Speaker 2>of Saint Louis because apparently in public remarks she she

0:49:00.719 --> 0:49:03.759
<v Speaker 2>named addresses and full names of people who came out

0:49:03.800 --> 0:49:06.279
<v Speaker 2>in support of criminal justice reform on her Facebook case.

0:49:06.920 --> 0:49:09.359
<v Speaker 2>So people were protesting and asking for a resignation. They

0:49:09.360 --> 0:49:12.840
<v Speaker 2>were They dared to walk by this mega mansion in

0:49:12.880 --> 0:49:16.759
<v Speaker 2>Saint Louis and the couple who owns the mansion came

0:49:16.760 --> 0:49:19.480
<v Speaker 2>out looking like I mean, the juxtaposition of what they

0:49:19.520 --> 0:49:21.319
<v Speaker 2>look like in that mansion, I mean, it was just

0:49:21.360 --> 0:49:23.960
<v Speaker 2>like a high brow, low bra moment. But homegirl was

0:49:24.000 --> 0:49:27.799
<v Speaker 2>holding a small pistol very like I can't even tell

0:49:27.800 --> 0:49:29.480
<v Speaker 2>you how she was holding it like she was just

0:49:29.520 --> 0:49:32.239
<v Speaker 2>holding their TV remote, just swinging it around. And that

0:49:32.280 --> 0:49:35.719
<v Speaker 2>guy was holding his assault rifle and pointing it at

0:49:35.760 --> 0:49:38.680
<v Speaker 2>the protesters as they're walking by, like legit pointing it.

0:49:39.320 --> 0:49:41.920
<v Speaker 2>And this clip went viral and I'm just there's so

0:49:41.920 --> 0:49:44.560
<v Speaker 2>many memes right now, and it's fucking sad, and I

0:49:44.560 --> 0:49:46.560
<v Speaker 2>don't know what our country has come to. But that's

0:49:46.600 --> 0:49:47.360
<v Speaker 2>okay now.

0:49:47.600 --> 0:49:50.440
<v Speaker 1>And the president retreats it as if, hey, look at

0:49:50.480 --> 0:49:51.080
<v Speaker 1>this good thing.

0:49:52.160 --> 0:49:55.640
<v Speaker 2>Oh yeah. He also retweeted a clip of someone yelling

0:49:55.680 --> 0:49:57.919
<v Speaker 2>white power and then tried to pretend like he didn't

0:49:57.960 --> 0:50:03.040
<v Speaker 2>hear that. Par No, oh my god, yeah, that's what's

0:50:03.080 --> 0:50:06.800
<v Speaker 2>happening in America. I just save yourselves, you guys.

0:50:07.000 --> 0:50:11.399
<v Speaker 1>I just okay, you know what, I'm gonna retreat back

0:50:11.400 --> 0:50:12.080
<v Speaker 1>to my goodness.

0:50:12.320 --> 0:50:16.080
<v Speaker 2>Sorry, but tell me again about your dinner was something okay, seafood, delicious,

0:50:16.080 --> 0:50:17.760
<v Speaker 2>Superman crack legs.

0:50:17.800 --> 0:50:20.600
<v Speaker 1>It was shrimp gumbo. It was so delicious, and the

0:50:20.640 --> 0:50:22.600
<v Speaker 1>fact that he remembered that I don't eat meat and

0:50:22.600 --> 0:50:25.840
<v Speaker 1>it was potatoes and it's baragus and it was amazing,

0:50:26.040 --> 0:50:28.160
<v Speaker 1>and you know, I don't drink, but you know, he

0:50:28.200 --> 0:50:29.920
<v Speaker 1>had Moses made because that's like if I am going

0:50:30.000 --> 0:50:32.319
<v Speaker 1>to drink, that's like a little bit that I will

0:50:32.360 --> 0:50:34.360
<v Speaker 1>have like a little champagne with a little orange juice.

0:50:34.640 --> 0:50:37.919
<v Speaker 1>So that was nice, and it was just just nice

0:50:38.000 --> 0:50:41.120
<v Speaker 1>unplug and I yeah, so that was that. I was like,

0:50:41.120 --> 0:50:43.440
<v Speaker 1>oh and we danced outside to old school love songs.

0:50:43.440 --> 0:50:45.000
<v Speaker 2>Oh did I tell you that? Are you keeping the

0:50:45.040 --> 0:50:46.799
<v Speaker 2>cutest pine with a.

0:50:46.719 --> 0:50:49.799
<v Speaker 1>Little two step? It was just really like honestly, it

0:50:49.880 --> 0:50:53.680
<v Speaker 1>was just it was nice to just retreat to nothing,

0:50:53.719 --> 0:50:56.600
<v Speaker 1>but like, you know, blessings because I know you have

0:50:56.640 --> 0:50:58.120
<v Speaker 1>to put on the armor of God to get out

0:50:58.120 --> 0:51:00.640
<v Speaker 1>here in this world, which I'm willing, but you know,

0:51:00.800 --> 0:51:03.439
<v Speaker 1>sometimes you just need a piece for yourself where it's

0:51:03.480 --> 0:51:04.320
<v Speaker 1>not a shit show.

0:51:04.560 --> 0:51:09.080
<v Speaker 2>So black Love, Man, black Love, super Love, Yeah, I

0:51:09.120 --> 0:51:11.520
<v Speaker 2>love it all right. Well, congrats on your third anniversary.

0:51:12.040 --> 0:51:14.759
<v Speaker 2>Go get some rest, everybody, take care of yourself, get

0:51:14.840 --> 0:51:17.680
<v Speaker 2>some rest. Think you think you Thank you for listening, and.

0:51:17.680 --> 0:51:19.600
<v Speaker 1>We'll talk to you all next week. Miss We