Speaker 1: Hey, hey, hey, we're back. We're black, We're broad and bision.
Speaker 1: I wish like just for this part, well, do you
Speaker 1: have to give me the log into the to the
Speaker 1: Brodhabish and I g Manadra because I need for them
Speaker 1: to see like this, just that part, like just how
Speaker 1: much soul I put into my body for them, Like when.
Speaker 2: I want to say, you know you have the log
Speaker 2: in I do.
Speaker 1: I don't even remember.
Speaker 2: I know you don't remember, but you have them. You
Speaker 2: could find them. They're somewhere in the Middle Earth that
Speaker 2: is Google Drive.
Speaker 1: How are you just.
Speaker 2: Trying to stay alive in this world? I mean, I
Speaker 2: cannot believe we're I it feels like we've gone back
Speaker 2: in time and we're at the beginning of Marchigan when
Speaker 2: when the world was ending. And I'm just like, how
Speaker 2: is America still not putting on a damn face mask.
Speaker 2: It's sad, It's real, real sad. But let's see some
Speaker 2: bright spots have happened. Last week I talked about we
Speaker 2: had a general primary, not a general election primary, but
Speaker 2: a primary in our in New York last week, and
Speaker 2: mondere Jones was this uh. He was running for a
Speaker 2: congressional seat and he won and he could potentially be
Speaker 2: if he wins in November the election, the first openly
Speaker 2: black lgbt Q a member of Congress, which would be amazing.
Speaker 2: So I would just like to in honor of Pride Month,
Speaker 2: and I think today is National Pride Day. I'm not
Speaker 2: sure exactly, just honor mondare Jones and he's from our county.
Speaker 2: He's from our town, and I saw him speak at
Speaker 2: a Black Lives Matter rally a couple of weeks ago
Speaker 2: near our house, and he was really I mean, he's
Speaker 2: just a great speaker, and I'm so proud of him
Speaker 2: and so excited.
Speaker 1: I think I think I saw that that post and
Speaker 1: I think not post, but like I think I saw
Speaker 1: that story on Facebook and I was like, Yes, the
Speaker 1: people are speaking, they are speaking in the polls, and
Speaker 1: I love it. I actually got a text the other
Speaker 1: day that I was really grateful for because I you know,
Speaker 1: I moved to this house last year, and then I
Speaker 1: because up until literally last year, my address was still
Speaker 1: quote unquote my parents' house. Even though I've moved several
Speaker 1: times between moving out of home moving away from home,
Speaker 1: I just never felt like any place I lived was
Speaker 1: home enough to have my address, and so I got
Speaker 1: my license in this address, and I just thought to
Speaker 1: myself here in Newark, and I thought, wait, am I registered?
Speaker 1: And sure enough, when I was thinking it, I got
Speaker 1: this text saying, how are you registered to vote? Not sure?
Speaker 1: Check here? And I did check, and I am registered
Speaker 1: to vote here in Newark. So I'm like, yes, I'm
Speaker 1: ready because our primaries are coming up very soon in
Speaker 1: a couple of weeks. So and Superman has been registered
Speaker 1: because he's born to raise here and he votes, and
Speaker 1: so I'm just excited because I'm like, yes, this will
Speaker 1: be my first time voting in Newark. I know exactly
Speaker 1: where to go in Westfield, where my parents live, but
Speaker 1: I'll have to do my Googles to see where I
Speaker 1: go here. So yeah, I just I feel hopefully that
Speaker 1: change gonna come, and it's going to come through these votes.
Speaker 1: That if we could go out to march for Black
Speaker 1: Lives Matter, we certainly obviously can go out to the polls,
Speaker 1: and I believe that we will do so.
Speaker 2: Even in our area. It felt, I mean, this was
Speaker 2: our first time living here and actually voting in a
Speaker 2: primary election. But the crowd was insane, and my neighbor
Speaker 2: Miss Paulette, Hey, miss Paullette, who probably has no idea
Speaker 2: how podcasts work or what they are, but she's amazing.
Speaker 2: She's a Jamaican immigrant and she oh, I love her
Speaker 2: so much and she I call her my little auntie.
Speaker 2: She told me she's a oh crap. What are those
Speaker 2: people she's been certified to administer? Like, what do you
Speaker 2: call them? They're the people who are the Board of
Speaker 2: Elections hire to be there at the polls. And anyway,
Speaker 2: she's one of those people and she's been trained and certified.
Speaker 2: And there was this huge dearth of these people who've
Speaker 2: been certified this year, like they just didn't have enough,
Speaker 2: and so they dramatically decreased the number of polling places
Speaker 2: and you're seeing this across the country too. But she
Speaker 2: told me that she really saw a difference this year
Speaker 2: in the number of youths, young people who were coming
Speaker 2: out fresh out of high school, you know, eighteen first election,
Speaker 2: and that gives me a lot, a lot of hope.
Speaker 2: So you have to get out there and vote. And
Speaker 2: you're absolutely right if you've got cousins or young people
Speaker 2: who are angry and out there protesting, I think this
Speaker 2: is you know, this is the next step. People have
Speaker 2: got to vote, so that gives me some hope. You know,
Speaker 2: if we survive the rona, then maybe we can make
Speaker 2: some change this November. If we get there, let's make it, y'all.
Speaker 1: Yes, we gotta survive the rona. My, my, my, the rona. Yeah,
Speaker 1: it's for those of you you're too young. There's like
Speaker 1: my Sarona. I'm not only sure that means anyway.
Speaker 2: I don't think anyone who listens to us is too
Speaker 2: young for some people may in other news.
Speaker 1: Yes, well, we've.
Speaker 2: Both been going on our own own mortgage journey recently.
Speaker 1: Do you notice s whight sidebar that we go on
Speaker 1: journeys at similar times? Marry similar times, how similar times?
Speaker 1: You know, it's just my time to have a baby
Speaker 1: and then we'll be we'll be twin feaes.
Speaker 2: You go ahead, just you know, what are you ugly?
Speaker 2: Let me know you never know? Like so, but mortgage
Speaker 2: rates have been going down, down, down, down, down down
Speaker 2: down since I remember back in January or February starting
Speaker 2: to get starting to get that, like through the fog
Speaker 2: of my postpartum craziness, being like, should we be refinancing?
Speaker 2: Mortgage rates are going down cut to six months later,
Speaker 2: and I finally ran out of excuses in terms of
Speaker 2: like I don't have the bandwidth, but rates were still
Speaker 2: going down. They hit historic lows sub three percent last week,
Speaker 2: and finally I got my stuff together and started my
Speaker 2: mortgage refinance journey. So our our goal with doing the
Speaker 2: mortgage refinance, which was different than yours, Tiffany, was to
Speaker 2: reduce our monthly payment and to get a lower rate,
Speaker 2: because we got our mortgage a couple of years ago
Speaker 2: and our rate was four point four percent, I think,
Speaker 2: and that was, you know, the best rate you can
Speaker 2: get at the time. I was able, and I did
Speaker 2: some shopping and just my experience doing shopping, Like I
Speaker 2: got to tell you guys, first of all, it's a
Speaker 2: lot of work, and they should be a lot more
Speaker 2: patient with people who were trying to refinance right now
Speaker 2: in the middle of a freaking pandemic, because it's when
Speaker 2: do you have the time like I had. I've been
Speaker 2: talking to these two companies, like going back and forth
Speaker 2: with each other for the past maybe four weeks, you know,
Speaker 2: a half hour conversation here, a twenty minute conversation there.
Speaker 2: I'm telling you, it's actually a pretty good negotiating tactic,
Speaker 2: like my own lack of availability because how many times
Speaker 2: have I been told this rate's going to expire tonight? Yeah,
Speaker 2: this rate is only going to be good through the weekend.
Speaker 2: I'm like, well, sorry, I forgot And how about that rate? Oh,
Speaker 2: actually it's gotten better.
Speaker 1: Yeah I got that too. I was like, ooh, yes, ooh,
Speaker 1: I can't promise, you know, And my thank goodness for Angelie,
Speaker 1: my my financial planner. She's like, girl, the economies and shambles.
Speaker 1: They're not raising rates anytime soon. If anything, they're likely
Speaker 1: to go down. Let's tell them to settle down. Yeah, exactly.
Speaker 1: You can't be pressured. So your journey was different because
Speaker 1: you were doing a cash out REFI, which is when
Speaker 1: you refinance and then you take out money from your equity,
Speaker 1: so they give you money like cash in your pocket
Speaker 1: that you can use for whatever purpose.
Speaker 2: So what's what's going on with yours? Because I locked
Speaker 2: in my rate last week and I'm almost across the
Speaker 2: finish line and.
Speaker 1: What was your rate? Oh?
Speaker 2: Two point eight? Two point eight seventy five is our
Speaker 2: interest rate in the APR, which is inclusive of fees
Speaker 2: and other costs and stuff, is two point nine.
Speaker 1: That's great mine. So I don't know if a cash
Speaker 1: out REFI is different as far as rates, like you know,
Speaker 1: like you know, sometimes certain things you're doing, like for examp, sure,
Speaker 1: like if I'm if I was renovating my like my home,
Speaker 1: like an investment property, rates are going to be higher
Speaker 1: because they're like, oh, this is considered like a construction loan.
Speaker 1: So I wonder. But anyway, my rate that had locked
Speaker 1: in was three point twenty five. But like I said,
Speaker 1: I don't know if that different because I was doing
Speaker 1: a cash out REFI.
Speaker 2: It's that it's also I mean there's so many that's
Speaker 2: it's how much you're borrowing can influence your rate. It's
Speaker 2: where you live. I mean it's hard. You can't really
Speaker 2: compare apples to apples talking to someone else because you
Speaker 2: can't just you can't like replicate the exact same variables,
Speaker 2: especially if you're in different states. So don't. Yeah, you
Speaker 2: know what's the best rate if you shop and you compare.
Speaker 1: Exactly And I did, and I say, that was the
Speaker 1: best rate that I think. I it was like it
Speaker 1: was like three or four feet people we kind of
Speaker 1: went through and that was the best rate, and plus
Speaker 1: two like I said, are my credit score and Superman's
Speaker 1: credit score of mine is like a I think, like
Speaker 1: an eight osamon or something like that, and he's like
Speaker 1: a seven ninety or something to that effect. So great credit.
Speaker 1: We had all the things, so I was gung ho.
Speaker 1: My plan was the house we purchased cash. We renovated
Speaker 1: a cash so we you know, we don't have any mortgage.
Speaker 1: So I was like, you know what, we've got money
Speaker 1: sitting in the house. What if we pull it out
Speaker 1: and then activate it, like, you know, invest it. We
Speaker 1: are working on renovating a second property that we purchased
Speaker 1: that ten thousand dollars taxied who brought from the city.
Speaker 1: So the renovation it's like one fifty because it's like
Speaker 1: it was basically a tear down, but it's a small,
Speaker 1: one family and for one fifty we'll get it like
Speaker 1: really like awesome, and it'll be worth about two twenty
Speaker 1: five to fifty by the time we're done. So I
Speaker 1: was like, oh, we'll put it out. We could put
Speaker 1: some toward that and some other things. But the process
Speaker 1: has taken longer than I thought, and I didn't like
Speaker 1: the number that came back when we had the appraiser
Speaker 1: come to the house, although that's not super critical only
Speaker 1: because we're not selling. We would just be financing. But
Speaker 1: really kind of like grinded my gears, if you will,
Speaker 1: is they were like, I'd made a large deposit into
Speaker 1: my savings account. I guess the one that I put
Speaker 1: down as this is where I'm getting the money from,
Speaker 1: or this is like to prove like I don't know,
Speaker 1: I guess we have money, you know. And so I
Speaker 1: made a large deposit. Because what happens is like I
Speaker 1: would say, I do this thing called I called up
Speaker 1: my allocations, and I usually do the monthly. Whereas I
Speaker 1: get paid for my company in two ways. I get
Speaker 1: paid a salary which is honestly fairly low, and then
Speaker 1: I also get an owner's draw so the owner's draws.
Speaker 1: When everything is said and done, we pay all the bills,
Speaker 1: we said, aside for taxes, we said, it's by for savings,
Speaker 1: we said, we said, said what's left, I as an
Speaker 1: owner will draw you know, either some or whatever what's
Speaker 1: left after all everything is paid, and so the owner's
Speaker 1: draws can add up. And so what happened was I
Speaker 1: had not allocated my owner's draws for months just because
Speaker 1: it's just been so busy. So it was like from
Speaker 1: not a few times, but tens of that. It was
Speaker 1: thirty two thousand dollars and be all the way transfer
Speaker 1: y'all know, I like numbers, but it was for months.
Speaker 1: It wasn't like for one month. So it was thirty
Speaker 1: two thousand dollars because it had been I had not
Speaker 1: done it, I think an owner. I think I had
Speaker 1: not done allocations since like December. So it was just
Speaker 1: sitting sitting, sitting, and I was like, oh, you know,
Speaker 1: I haven't made this transfer, collected all of my owner's
Speaker 1: draw money that was sitting in my checking account. I
Speaker 1: was like, I'm going to put it in my savings
Speaker 1: and they were like, dud dude, red flag, where'd you
Speaker 1: get this money from. I was like, oh, I have
Speaker 1: a business, as you know, because I filled out the paperwork.
Speaker 1: Here it came my business show us. So I showed
Speaker 1: how the business depositive money in my my my big
Speaker 1: bank account Wells Fargo, which I'm leaving but don't judge me,
Speaker 1: but Wells Fargo, and how I transferred that Wells Fargo
Speaker 1: money to my ally account, which is the account that
Speaker 1: the bank has on like you know, on their lists
Speaker 1: or whatever. And they were like, hmm, yeah, not good enough.
Speaker 1: I would like to see all your business records from
Speaker 1: the last I'm.
Speaker 2: Like, what underwriting is no joke?
Speaker 1: What I write that? Yes, So honestly, today I was
Speaker 1: thinking about it and I said to myself self, because
Speaker 1: so the house came back a praised at three ninety,
Speaker 1: which to me it's ten to twenty thousand dollars low,
Speaker 1: but whatever, and the intention was to pull out to
Speaker 1: eighty five, and I was like, huh, so I just
Speaker 1: was really thinking. I said, so it was going to
Speaker 1: leave us with a mortgage about twelve hundred dollars a month,
Speaker 1: because because we don't have a mortgage now, we pay
Speaker 1: taxes out of pocket every quarter, and we paid insurance
Speaker 1: at a pocket I just paid the insurance at lump
Speaker 1: sum for the year. So twelve hundred is the reason why.
Speaker 1: That's why that our mortgage is so low, because it
Speaker 1: doesn't include taxes and insurance, which most mortgages include. So
Speaker 1: twelve hundred is not an amount that is a stress
Speaker 1: on our financial budget. But I thought, I'm gonna pull
Speaker 1: out two eighty five, and the way the business is going,
Speaker 1: I'm going to see that money back in a few
Speaker 1: months plus some change. So why again am I pulling
Speaker 1: it out to have a more you know what I mean?
Speaker 1: I just so I called Angelie, who's my financial planner,
Speaker 1: and I said, hey, Angelie, because even when I told
Speaker 1: her about the cash out refine and what did she thinks?
Speaker 1: She was like okay, but she's like, I know how
Speaker 1: you feel about debt.
Speaker 2: You sure?
Speaker 1: And I was like, yes, because I can put that
Speaker 1: money to work and it's cheap, and she was like okay.
Speaker 1: So and I told her today, I said, I don't
Speaker 1: know something about out them asking for like my life's
Speaker 1: blood for proof just irritated me. And I don't think
Speaker 1: I want to do it. And she's like, honestly, Tiffany,
Speaker 1: it's not bad or good, like you certainly can just
Speaker 1: you know, and you know the next six months actually
Speaker 1: put that amount of money toward towards, you know, your
Speaker 1: investment strategy that we've set aside for you, or you
Speaker 1: can pull that out now and then kind of pay
Speaker 1: it back to yourself over time. But she's like, you
Speaker 1: don't need to, you know, if you're if you're not
Speaker 1: feel uncomfortable. So I decided I didn't I have to
Speaker 1: write my mortgage comb so he'll be thrilled, but I'm
Speaker 1: not going to do the cash out refine. I did
Speaker 1: pay for the appraisal, but whatever.
Speaker 2: Do you think it was a little bit of the
Speaker 2: because I think there's so much like people are talking
Speaker 2: about how low rates are and there's a little bit
Speaker 2: of like it's like kind of like you're missing out
Speaker 2: on a sale.
Speaker 1: You know.
Speaker 2: Do you think that was a little bit behind the
Speaker 2: reason too, for y'all for you kind of going for
Speaker 2: this because I don't. Because I also felt like the
Speaker 2: pure pressure everyone's that everyone at work is talking, especially
Speaker 2: at my company, Lending Tretey. You know, we're all about mortgage.
Speaker 2: So I have been like, I mean, I talked to
Speaker 2: my mortgage team and they're all excited about it and
Speaker 2: you know, and that got me. But luckily I didn't
Speaker 2: have time to get around to her like a long time.
Speaker 1: It was a mix. It was it was that and
Speaker 1: I'm not gonna lie, it was the market. I was like, ah,
Speaker 1: am I missing out? Because I thought to myself, in
Speaker 1: six months, who knows what the market's gonna do? Am
Speaker 1: I missing out on? Like the market deals? Now? So
Speaker 1: I can put this money to work. Now, you know,
Speaker 1: even though Angelie likely wasn't going to just throw that
Speaker 1: amount of leney into the market. She was going to
Speaker 1: like do some dollar cost averaging and like, you know,
Speaker 1: put money in regularly, just a larger lump sum.
Speaker 2: Oh okay, So I missed that. So you were going
Speaker 2: to take money out from your equity and then you
Speaker 2: were going to invest it, like put it in the market,
Speaker 2: because I.
Speaker 1: Figured that, like, well, if I borrow at three point
Speaker 1: two five percent, I can certainly make more than three
Speaker 1: point twenty five in the market. This money's being wasted
Speaker 1: sitting in the house.
Speaker 2: Okay, So now I'm stressed. Now I'm like, okay, I see, but.
Speaker 1: Do you see I was like, wait, and so.
Speaker 2: Yeah, sense if you have the tolerance for it, but
Speaker 2: you trusted your gut, it sounds like.
Speaker 1: Yeah, and you know, I mean maybe we're on the
Speaker 1: same page about debt. Don't nobody want that? And I
Speaker 1: was like, oh, you know, And I was just like, and.
Speaker 2: It's one thing to know intellectually that average stock market
Speaker 2: return of seventy eight percent, but then it's like it's
Speaker 2: the stomach. Can your stomach asks the risk, you know.
Speaker 1: And also too, there's something that I like about and
Speaker 1: that's what Angelie said, which I really that's why I
Speaker 1: like her as my financial planner because she she leaves
Speaker 1: room for, you know, the part of me that is like, Okay,
Speaker 1: I know technically this makes sense, But Tiffany, she asked,
Speaker 1: like several times, I know how you feel about debt.
Speaker 1: I know how you like the safety of the fact
Speaker 1: that your house is paid off because you did lose
Speaker 1: your house during the last recession. Are you going to
Speaker 1: be okay with that? And I was like, sure, yea,
Speaker 1: ya ya yea, yeah, yeah, yah yah, yeah, yeah, yeah
Speaker 1: yeah yea.
Speaker 2: Millions and millions of people do this all the time.
Speaker 2: I can do it, I know.
Speaker 1: And then I started to think about it and I say,
Speaker 1: you know what, I don't think I'm gonna be okay
Speaker 1: with that because I just, you know, the last recession
Speaker 1: did shake me to the core, and it's okay to
Speaker 1: admit that. Yes, technically, is there a better place for
Speaker 1: my money, Yes, but it's not the worst thing, you know,
Speaker 1: not to jump into the market right now. And the
Speaker 1: truth is I am putting a significant amount toward it's
Speaker 1: just it won't be a lump sum it'll just be.
Speaker 1: And the truth is, Angelie wasn't gonna take the whole
Speaker 1: lump sum and throw it to the market at one time.
Speaker 1: She was going to employ dollar cost averaging, which is
Speaker 1: when you put in consistently put in basically during the
Speaker 1: same time a month, like maybe it's twice a month,
Speaker 1: or the fifth and the sixth or the or just
Speaker 1: once a month, but you basically put money in at
Speaker 1: the same time every month, and you can increase the amount,
Speaker 1: but basically what you're doing is you dollar cost averaging
Speaker 1: versus timing the market. People time the market like I
Speaker 1: put money in now because the market is low, it's
Speaker 1: gonna pop tomorrow. You don't know for sure if you
Speaker 1: time the market, if you're going to be at the
Speaker 1: right time. But with dollar cost averaging, if you put
Speaker 1: your money in on the fifteenth of every month, there
Speaker 1: are gonna be some times that you get the market
Speaker 1: when it's low, there'll be some times you get the
Speaker 1: market when it's high, and on average you will get
Speaker 1: the average return by by nature of just just consistently
Speaker 1: putting your money in around the same time every month.
Speaker 1: And so she was going to do that anyway. So
Speaker 1: I was like well, why give her a lump sum
Speaker 1: if she's going to be putting aside, like do dollar
Speaker 1: cost averaging with this lump sum when I can just
Speaker 1: then give her the amount of what that would be
Speaker 1: monthly anyway, and so and then feel safer about, you know,
Speaker 1: not having a mortgage. So, yeah, I made that decision
Speaker 1: today and it was a it was a it was
Speaker 1: a goods one. But definitely refinancing right now. If you're
Speaker 1: interest you can save one percent or yeah, one percent,
Speaker 1: two percent. A friend of mine refinance, she's saving four
Speaker 1: hundred bucks a month. That's that's not a small change.
Speaker 2: Oh, that's that's huge. Yeah, and I want to so
Speaker 2: let me So that's a really great story. And I
Speaker 2: think Tiffany, I mean not so much of who you
Speaker 2: are and your ethos is around not owing money and
Speaker 2: you know, being debt free. And I'm glad that you
Speaker 2: stuck to what makes you comfortable because you can still win.
Speaker 2: It's just a different way of winning. You don't have
Speaker 2: to do it everyone else's way. So I'm proud of you.
Speaker 2: Let's look at you saying no to the banks. Also,
Speaker 2: I kind of feel like when you had to answer
Speaker 2: to a bank, it just got it ruffled you because
Speaker 2: I mean, you built your own company, so you have
Speaker 2: to answer to anybody like you're the boss, and now
Speaker 2: they're trying to tell you to show your work, and
Speaker 2: you're like, how, I kind of feel like this was
Speaker 2: you like a reminder that, Okay, this is why I
Speaker 2: don't owe anybody anything. I'm the GDP budget neista and
Speaker 2: I'm debt free. Just a little bit, am I projecting?
Speaker 2: Or is that part of it too? No?
Speaker 1: I just honestly, I'm still trying to work through my
Speaker 1: working from a place of fear, and so I need
Speaker 1: I realized financially, I need to feel safe more than
Speaker 1: I need to feel wealthy. Like that doesn't move me
Speaker 1: because to me, wealthy rich, that's subjective that can go
Speaker 1: at any time. I don't care about that, you know,
Speaker 1: I care about security and safety. And I realized that
Speaker 1: in the quest for like, oh, I'm gonna put this
Speaker 1: money to work it to make me my returns. I'm like, yeah, girl,
Speaker 1: but is that how you're gonna Is that gonna help
Speaker 1: you sleep at night knowing you're making seven percent on
Speaker 1: money that you've borrowed from three percent? No, what's gonna
Speaker 1: make you sleep? Well at night is knowing that your
Speaker 1: house is paid off and that you are working towards
Speaker 1: your goals, but slow and steady, and so you know,
Speaker 1: and there's nothing wrong with that. There's only something wrong
Speaker 1: when it, you know, it really does start to hinder you.
Speaker 1: Like before I met Angelie, when I was just saving everything,
Speaker 1: I had like four years worth of savings in my
Speaker 1: savings account, and I knew, girl, this doesn't make any sense.
Speaker 1: This money is literally losing its value year after year.
Speaker 1: So that I knew. So that although it adhere to
Speaker 1: my sense of safety, I know, I knew I'd gone
Speaker 1: to extreme with it. And so I'm still, you know,
Speaker 1: I'm trying to balance and manage that feeling. But yeah,
Speaker 1: I definitely don't feel like bad as much. It's to
Speaker 1: I feel like anybody trying to be homeless.
Speaker 2: Oh okay, all right, well okay, so I opposite. Today
Speaker 2: I finally finished my paperwork and got to the next
Speaker 2: step in the underwriting process. So, like I said, we
Speaker 2: were aiming to reduce our rate. We had a four
Speaker 2: point three seven five We were able to secure a
Speaker 2: two point nine to five to two APR that the
Speaker 2: interest rate was two point eight seven five so, and
Speaker 2: I wanted to and I want to talk about this
Speaker 2: because my parents are My mom and my stepdad are
Speaker 2: also trying to refinance right now and they just bought
Speaker 2: their house less than a year ago. But that's how
Speaker 2: different their rates are today. And they actually were approached
Speaker 2: by a lender, like they didn't even go out to
Speaker 2: shop for a mortgage refive. Lenders were straight up, oh,
Speaker 2: you can save this much on your rate. I'm going
Speaker 2: to actively call and recruit people because they know that
Speaker 2: everyone's talking about this and they're trying to get new
Speaker 2: customers because even if rates are really low, that means
Speaker 2: the borrowing is cheap for us. But the banks still
Speaker 2: make hundreds of thousands of dollars depending on the size
Speaker 2: of your mortgage over those thirty years that you're going
Speaker 2: to carry it, right, And I've also seen some people
Speaker 2: who have you know, you've owned your home for a
Speaker 2: lot longer, it may work out for you because rates
Speaker 2: tend to be lower for a fifteen year mortgage if
Speaker 2: you refinance into a fifteen year loan and then you know,
Speaker 2: reduce your rate and all that. So there's a bunch
Speaker 2: of different strategies when it comes to refinance. But in
Speaker 2: our particular case, it was about lowering the rate, lowering
Speaker 2: our monthly mortgage costs. And I started my journey through
Speaker 2: my company. It's called lending Tree, where a marketplace where
Speaker 2: you can shop and compare rates for different loans. And
Speaker 2: so I was like, let me use my own company,
Speaker 2: and lending Tree matched me with two lenders. The best
Speaker 2: negotiating strategy is to at least get two quotes, two
Speaker 2: at a minimum. I stuck with two because it's all
Speaker 2: I freaking had time for. So very quickly, I had
Speaker 2: the loan estimate. And the loan estimate is all you need.
Speaker 2: And this is what I was trumpling my mom about.
Speaker 2: My mom is like she was on the phone with
Speaker 2: them for thirty minutes, and I was like, just get
Speaker 2: to the chase, Like they need your credit, give check
Speaker 2: your credit, and they can give you a loan estimate.
Speaker 2: They just need a few pieces of information. You know,
Speaker 2: it's very quick. You don't need to waste your time
Speaker 2: going through a long business pitch from the loan officer.
Speaker 2: All you need just is like, give me the loan estimate,
Speaker 2: take my info, yeah yeah, run my credit. It's fine,
Speaker 2: give me a loan estimate. Because that is a document
Speaker 2: that's standardized now as a result of the last housing crisis,
Speaker 2: in the formation of the CFPP. Every lender has to
Speaker 2: give you a loan estimate, which is going to have
Speaker 2: your rate, it's going to have estimated closing costs, and
Speaker 2: you can side by side compare one offer to another offer.
Speaker 2: Funnily enough, I sent each I sent them each each
Speaker 2: other's offer, and they wanted to get me on the phone,
Speaker 2: but genuinely because I just didn't have time for more
Speaker 2: phone calls. I was like, give me your email address.
Speaker 2: I'm going to just email this attachment to you. Here's
Speaker 2: their offer. I'm not playing any games here, you know,
Speaker 2: I'm shopping. And as soon as I told him I
Speaker 2: was shopping, I feel like I cut through so much
Speaker 2: bullshit because they just knew, okay, let's just become with
Speaker 2: our best and final, you know. I'm like, and I'm like,
Speaker 2: it also helps having a screaming baby in the background.
Speaker 2: I mean, I'm not saying to borrow someone's baby, but
Speaker 2: it worked me. We were gogotiating our carle's and it
Speaker 2: kind of worked for this whole mortgage thing too, because
Speaker 2: they don't want to hear that baby in the back
Speaker 2: end for a long time, so I was like, oh,
Speaker 2: the baby is napping, Oh my god, the baby's crying. YadA, YadA, YadA.
Speaker 2: So they just had them kind of go back and
Speaker 2: forth with each other and over the course of like
Speaker 2: I said, it was like four weeks. For me, it
Speaker 2: was really about not letting them tell me whose timeline
Speaker 2: I was going to go by, because even like even
Speaker 2: when he said, oh, you need to like lock in
Speaker 2: your rate by I talked to him on a Friday, oh,
Speaker 2: locking your rate by Monday at nine am, and I
Speaker 2: that deadline would come and go because I was just
Speaker 2: busy feeding the baby and I'm like, hey, Jack, uh
Speaker 2: is that rate so good? Like, oh, actually, worry you
Speaker 2: want to knock off another half a percentage for oh miracle, Yeah,
Speaker 2: a miracle on miracles because rates changed minute by minute,
Speaker 2: day by day. So even like you know, they can
Speaker 2: tell you that the rates, they don't know what the
Speaker 2: market's going to do, so they really you know, yes,
Speaker 2: rates can go up and you can get caught. But
Speaker 2: it's like and he said right now, and they're not.
Speaker 2: They're maybe going but like a little bit and every
Speaker 2: day is a little bit different. But it's not so
Speaker 2: crazy and volatile that you really are gonna miss out
Speaker 2: entirely if you sleep on it, you know. So I'm
Speaker 2: glad we stuck to our guns in that way, and
Speaker 2: we're gonna, hopefully we're gonna get this thing refinanced and
Speaker 2: save some money. Ultimately. I think we're gonna save like
Speaker 2: two hundred and almost three hundred dollars a month. Offer
Speaker 2: a mortgage payment, yes, what's really nice, which is real nice.
Speaker 2: One thing I was thinking of doing, though, is if
Speaker 2: you if I pretended like I never got a lower
Speaker 2: mortgage payment and I just kept paying that extra you
Speaker 2: know too, whatever a month, it would help us pay
Speaker 2: the loandown faster. So I'm thinking if I, yeah, if
Speaker 2: we just keep doing that, it would save us so
Speaker 2: much down down the line, just extra couple hundred dollars
Speaker 2: a month, you know. But of course, if you need
Speaker 2: that money for whatever other reasons, it's great to have
Speaker 2: that money back in your pocket.
Speaker 1: No, it is honestly that it made that I can
Speaker 1: just make the difference between somebody being able to make
Speaker 1: their payment or not, you know. So, I just I
Speaker 1: think that it's just such an interesting time when it
Speaker 1: comes to like mortgages.
Speaker 2: It's stressful. But I also just want to reiterate, if
Speaker 2: you don't have the time or the energy to really
Speaker 2: shop at minimum two, but hopefully three lenders, you know,
Speaker 2: credit Union, an online bank, traditional bank, whatever, you don't
Speaker 2: have time to compare and shop rates, then you don't
Speaker 2: have time to just don't bother because that is the
Speaker 2: best way to get a good deal. And even if
Speaker 2: you use a marketplace like lending Tree or you do
Speaker 2: it on your own, you just call the banks yourself
Speaker 2: or you apply online, do yourself that favor and let
Speaker 2: them know you're shopping and make them compete for your business,
Speaker 2: because that is ultimately how you get the best deals
Speaker 2: hands down. All right, that's enough about my damn mortgage, right, No?
Speaker 1: I mean I think that's because truthfully, it's one of
Speaker 1: the biggest things that people ask me right now, my mortgage,
Speaker 1: my mortgage, my mortgage, because we are at a record
Speaker 1: I can't remember the number, but the amount of people
Speaker 1: that missed their mortgage payment. So I think there's really
Speaker 1: no more timely conversation than your mortgage.
Speaker 2: So well, I'm gonna well, if that's the case, because
Speaker 2: mortgage missing your mortgage payment, there are lenders have do
Speaker 2: have mortgage for Baron's options, So that's where you can
Speaker 2: put your mortgage payment on pause if you're dealing with
Speaker 2: some kind of hardship. And I'll include a link to
Speaker 2: our guide to Mortgage for Barons, because one thing that
Speaker 2: people don't realize is it's not like you never owe
Speaker 2: that money. They just say, Okay, well, you know, you
Speaker 2: can skip the next couple of mortgage payments, but then
Speaker 2: all that money is going to be due in three
Speaker 2: months or four months. So it can be helpful, but
Speaker 2: you should know the risks and the pros and cons.
Speaker 2: And on top of that, there's other ways to get
Speaker 2: some mortgage reliefs, and especially in light of COVID, So
Speaker 2: I'll we can put a link to that article in
Speaker 2: the show notes for folks. And yeah, if you guys
Speaker 2: have questions about you know, if you're struggling, you're not
Speaker 2: making your mortgage payment or whatnot, hit us up at
Speaker 2: Brandon Mission Podcast at gmail dot com dot com. Hopefully
Speaker 2: we can help you guys out. I haven't gotten any
Speaker 2: questions from folks about that quite yet.
Speaker 1: Okay, well, what questions do we get? See you see
Speaker 1: what I did there?
Speaker 2: No, I see what you Let's take a quick break
Speaker 2: and I'll come back and I'll tell you. All right,
Speaker 2: let's go to uh Rita questions again. You guys can
Speaker 2: hit us up Brandambission Podcast at gmail dot com Old School,
Speaker 2: or you can go to Instagram. We're at Brandimission Podcast
Speaker 2: on the gram or sorry on Insta? Is that what
Speaker 2: the kids say? You can send us a DM there
Speaker 2: and we'll try to get to your question. I pulled
Speaker 2: from our email today and let me see we have Oh,
Speaker 2: this actually came through Insta and email. I saw this.
Speaker 2: This is a cool question because I had never heard
Speaker 2: of this, Tiffany, but I hear that you might. Okay,
Speaker 2: This listener, who wants to remain anonymous, says, hi, ladies,
Speaker 2: have you ever heard of Susu? Yes, my sister friend
Speaker 2: presented this to me. Have you heard of Susu? Is
Speaker 2: it like a Ponzi scheme or a pyramid scheme?
Speaker 1: What my guys thinks, Well, somebody who's actually emailed me this,
Speaker 1: so Susu is. I used to think it because I
Speaker 1: was a kid. I heard it all the time, so
Speaker 1: I thought it was like an Ebo word or a
Speaker 1: Nigerian word. But it's not. Apparently a lot of West
Speaker 1: Indians used the same word. So susu is a round
Speaker 1: robin with your money. I'm not sure where it originated from,
Speaker 1: but a lot of immigrants folks do susue. My parents
Speaker 1: still do susu. So what it is, Mandy, is that
Speaker 1: it's I'll give just an example how it can work.
Speaker 1: Like when my friend parents first came here, it was
Speaker 1: just ten families and everybody put in fifty bucks a
Speaker 1: month and they would rotate who would get that pot
Speaker 1: of fifty So you're not making any money, you're not
Speaker 1: losing any money, you're just the money is just passing hands.
Speaker 1: And so my parents were in a sushu for like
Speaker 1: the last thirty something years. So it's the same for
Speaker 1: typical susus that are done in this way. It's a
Speaker 1: group of people that know each other because the community
Speaker 1: holds you accountable. So because if you do a susu,
Speaker 1: a stranger somebody could just take your money and go.
Speaker 1: But like for us, it was actually also too with
Speaker 1: lots of immigrants. It's a very social activity and that
Speaker 1: with susu, when it was your turn to receive the money,
Speaker 1: you would actually host us the family, so this is
Speaker 1: how I came to know like some of my cousins,
Speaker 1: I thought they were my real cousins and aunts and
Speaker 1: uncles because that's what we were made to call everyone,
Speaker 1: not realizing until we were older that you're not related
Speaker 1: by blood. But we would go every every month, we
Speaker 1: would go to a different house and that would be
Speaker 1: the house that was received being the SUSU money. But
Speaker 1: we would eat and we would dance and the kids
Speaker 1: would play. It was very social then it was awesome
Speaker 1: and so but it was a way that they started
Speaker 1: to start building, Like you know, one it was like, oh,
Speaker 1: it went from fifty bucks, then it's to one hundred,
Speaker 1: then five hundred to one thousand, so I remember, I
Speaker 1: think at one point it might have even been two thousand,
Speaker 1: where it was a thousand to the SUSU and a
Speaker 1: thousand to an investment. My dad was in charge of
Speaker 1: it since he was the CFOE, so he would take
Speaker 1: the money and they actually created an investment club, which
Speaker 1: was awesome. So no, susus are not by nature or
Speaker 1: by design pyramid schemes because there is no pyramid in
Speaker 1: that you don't have to bring someone in in order
Speaker 1: to receive your money. It's the same group of people.
Speaker 1: But I told, like I told the woman who emailed
Speaker 1: me asking about susu, is that to me, the best
Speaker 1: susu's work with the people that you intimately know, meaning
Speaker 1: like you know, this is my family exactly. Like I said,
Speaker 1: we did the SUSU like we're coming to your house.
Speaker 1: So it would be really weird if like you just
Speaker 1: ate at our house and all of a sudden, you know,
Speaker 1: you're gone when it's time for us to eat at
Speaker 1: your house, you know what I mean. Like the community
Speaker 1: really keeps you honest. So that's what I say, because
Speaker 1: I've seen online susus Now there's like actually like websites
Speaker 1: and things, but I'm not doing the susu with unknowns
Speaker 1: because you know it just you can easily just not
Speaker 1: get your money back. So yeah, at its core and
Speaker 1: and how it was designed, susu's are are perfectly safe
Speaker 1: and actually great ways for collective economics to work in
Speaker 1: a community. But you know, any like anything, it can
Speaker 1: be turned into a scam of the wrong.
Speaker 2: People get involved, Yeah, and be very careful, and it
Speaker 2: sounds like there's probably no protections like you did with
Speaker 2: the break of their bank account, like where you have
Speaker 2: FDIC insurance and exactly you're covered. Yeah, so be careful.
Speaker 2: It sounds interesting though, I mean, it also sounds like
Speaker 2: it sounds like the core of so many small communities
Speaker 2: where it's just communities helping each other, which is kind
Speaker 2: of beautiful to me.
Speaker 1: It is. Honestly, it's like barn raising, like you know,
Speaker 1: in like like the Pennsylvania Dutch how they you know,
Speaker 1: they do barn raising together and they or they have
Speaker 1: people used to have rent parties and so it's very
Speaker 1: reminiscent of like that old school, like you said, Mandy,
Speaker 1: community is taking care of each other because they didn't
Speaker 1: have access to loans and funds and things like that.
Speaker 1: So you know, but that's why it was great, because
Speaker 1: it was like, you live here, so if you're gonna
Speaker 1: rob the person, we're gonna see you at church next week,
Speaker 1: and your kids are go to school with my kids.
Speaker 1: So there's no place to really to run and hide
Speaker 1: in that instance.
Speaker 2: Yeah. All right, well that's beautiful. Thank you. Hopefully that
Speaker 2: was that answered your question. I'm pretty sure it's probably
Speaker 2: the same person. She was like, let me hit up
Speaker 2: a point of communication. Love that persistence, all right, I
Speaker 2: learned something new today, and that's Susue. S o U,
Speaker 2: s o U. All right, let's take another question. This
Speaker 2: listener wants to go by the name Autumn. I love
Speaker 2: the show and I can't get enough of it. You
Speaker 2: ladies are heaven to listen to. As you're both people managers.
Speaker 2: I'd like your opinion for a manager's perspective. If this
Speaker 2: gets read on the show, it is Hello, you made it, Autumn.
Speaker 2: You're here, okay, Jesus. I am a black female in
Speaker 2: my late twenties working in IT in Atlanta. I've made
Speaker 2: bad choices in who I work for not doing enough research,
Speaker 2: but also not really knowing what cultural fit meant to me.
Speaker 2: I have lately been wanting to focus on settling in
Speaker 2: at a company long term. However, I work at a
Speaker 2: very young company right now, and I've been here for
Speaker 2: two years. It's an intense place where people never stop.
Speaker 2: After two years, I've been filtering out recruiting offers, and
Speaker 2: I found a great company that's a great culture fit
Speaker 2: doing what I enjoy, and I've accepted an offer. Here's
Speaker 2: the thing. I don't like giving notice until all the
Speaker 2: paperwork is in, but that usually takes a week, leaving
Speaker 2: me with less than two weeks notice, which isn't abnorrambal
Speaker 2: here at my company. To be honest, my questions are,
Speaker 2: I've rarely left with less than two weeks notice. My
Speaker 2: last company, I gave a whole month due to respect
Speaker 2: for my team and the company. Would you feel disrespected
Speaker 2: or agitated at a short notice leave? Is there really
Speaker 2: such thing as a positive perception after a short note
Speaker 2: to exit? Yady gotta gotta I hope this wasn't too long,
Speaker 2: Thank you, and best autumn.
Speaker 1: This is a good question, It is very good.
Speaker 2: So tell me your genuine reaction. So you have someone
Speaker 2: working in your team two years, they give you a
Speaker 2: week's notice before they leave, what would your honest reaction be.
Speaker 1: I would be pissed, okay, because especially as like it
Speaker 1: sounds like that company is similar to my Well we
Speaker 1: you know we're not two years old. But you know
Speaker 1: what I mean that when you are a small company,
Speaker 1: we're not like some big conglomerate like you're here because
Speaker 1: we need you. You know, we don't have like, oh,
Speaker 1: this is just a filler position. Who has filler money?
Speaker 1: So if unless you are like sick or you know,
Speaker 1: something like that, obviously, but or something happened like to
Speaker 1: a family member. But if you were just to be
Speaker 1: like found a new job, be gone in a week,
Speaker 1: I'd be pissed because we need you and you know,
Speaker 1: at least two weeks to adjust to figure who is
Speaker 1: going to be taking on some of your role. Well
Speaker 1: maybe you know, I would ask like, uh, you know,
Speaker 1: could you help train someone that we have in mind?
Speaker 1: You know, to me, it just doesn't give us time
Speaker 1: to shift and adjusts. So yeah, outside from you, you know,
Speaker 1: leaving because you know, health safety, family, something like that,
Speaker 1: I would not be happy with that.
Speaker 2: Yeah, I mean, I can't lie. I would be annoyed.
Speaker 2: I'm annoyed anytime someone leaves because it's just more work,
Speaker 2: you know. Oh oh you gotta find someone else. You
Speaker 2: got to recruit unless there's someone ready to take over.
Speaker 2: It's a hassle at the same time, and I really
Speaker 2: so as a manager, Yes, I agree with Tiffany, I
Speaker 2: would be annoyed, but I think you can. I understand
Speaker 2: your hesitation too, because it is smart to wait until
Speaker 2: you've got the job offer in writing, you've passed the
Speaker 2: background check and all that has happened before you quit
Speaker 2: your current job, I would ask you if you can
Speaker 2: ask your new employer to give you an extra week
Speaker 2: because out of respect to your company, you know, just
Speaker 2: tell them you need to give them two weeks notice
Speaker 2: so you need a later start date. I'm guessing that
Speaker 2: they would give you that extra week if a very
Speaker 2: excited to have you, So I would go with that first.
Speaker 2: If they absolutely say no, you must start at X
Speaker 2: Y date, then that makes your explanation to your company
Speaker 2: a little bit easier to swallow. And I'll also say
Speaker 2: that even though I've been annoyed and people have given
Speaker 2: me less than two weeks, and I've looked at the
Speaker 2: calendar and been like, this is eleven days, not fourteen
Speaker 2: I have and I've gone to HR like rap, what
Speaker 2: if they but it's not two weeks and we can't
Speaker 2: do anything about it. It's not like you know, in
Speaker 2: your employment what's HR speak, Your employment is at will, yeah,
Speaker 2: which is our you know, our will to want you
Speaker 2: here and your will to be here, so we can't actually,
Speaker 2: you know, like slavery is abolished, believe it or not,
Speaker 2: so we cannot force you to stay. So you know,
Speaker 2: there's nothing we can really do about it. And if
Speaker 2: and so, but my thing is like, so can you
Speaker 2: get the extra week? But if this job is so
Speaker 2: great and you're really excited about it, and that's just
Speaker 2: the way the cookie has crumbled, you know, just do it.
Speaker 2: Try to do it in the most respectful way that
Speaker 2: you can. Accept that you may annoy some people, as
Speaker 2: I have done many times in my life and career,
Speaker 2: and be okay with that. Yep, they will get over it,
Speaker 2: and hopefully you are such a great employee that time
Speaker 2: will go on and they will think fondly about you.
Speaker 1: Yeah, and I just you know, to Menday's point that, yeah,
Speaker 1: I mean you, at the end of the day, you're
Speaker 1: supposed to do what's best for you. But just being
Speaker 1: also because here's the thing, you want to be mindful
Speaker 1: because my sister would always say, if you stay in
Speaker 1: the field long enough, you start to see the same people.
Speaker 1: So just be mindful of that. So, you know, like
Speaker 1: when she was in pharmaceutical sales for Pharmacit she's a scientist,
Speaker 1: for example, she was like yo when she now lives
Speaker 1: in Chicago, but when she was in Jersey and she
Speaker 1: had an internship, she ended up being interviewed by you know,
Speaker 1: one of the women that she had an internship with.
Speaker 1: So people you're young, and that you just want to
Speaker 1: be mindful like, oh, you're the one who left me
Speaker 1: with all the work. Yeah yeah, girl, you're not getting
Speaker 1: this job, so you just want to be mindful of
Speaker 1: that as well. That if you're going to stay in
Speaker 1: that same industry, you know you will likely see those
Speaker 1: same people again. So just doing your best, but don't
Speaker 1: put yourself in harm's way in order to make sure
Speaker 1: the company is okay.
Speaker 2: As someone who has employed two of my previous bosses,
Speaker 2: I can't agree with you as freelancers. Yeah, and and
Speaker 2: do your put your best foot forward. Tell them that
Speaker 2: you can help them find a replacement, you know, take
Speaker 2: your time to think about how you can pass on
Speaker 2: your duties like their make their jobs easier if you
Speaker 2: if you respect them, you know, show them how you've
Speaker 2: thought through your transition and how you're going to help
Speaker 2: them with your transition, so you can at least let
Speaker 2: the medicine go down a little bit smoother. But congratulations,
Speaker 2: you're in your twenties. This is what's supposed to happen.
Speaker 1: Yeah, it is.
Speaker 2: I tell you guys, how I got a job of
Speaker 2: newspaper and then I quit two weeks after I started
Speaker 2: to go to New York.
Speaker 1: Sometimes that's how it be.
Speaker 2: They're fine, gainstled times. Are you still around? Yes, you are.
Speaker 2: You are just just fine. Someone else went to those
Speaker 2: Board of Education meetings that wasn't me, and the world
Speaker 2: kept on spinning. All right, Well, thank you Autumn for
Speaker 2: your question, and we'll leave it there. Thank you guys
Speaker 2: again Instagram at Brandon Mission Podcast, where you can hit
Speaker 2: us up on our Gmail at Brandimission Podcast at gmail
Speaker 2: dot com dot com.
Speaker 1: So I'm gonna boosty boosty up. First, I'm gonna boost up.
Speaker 1: My anniversary was yesterday, three years down, forever to go.
Speaker 1: How pleased. But I have to say, like, I'm not
Speaker 1: really you know what, Let me not say that. I'm
Speaker 1: learning that sometimes I tell myself, oh, I don't really
Speaker 1: care about things like that, but I'm like, is that
Speaker 1: true or you're just psyching yourself out. I'm learning this
Speaker 1: from my business coaching, where sometimes I preemptively accept less
Speaker 1: so I won't be disappointed. So anyway, I to say
Speaker 1: all that to say I wasn't expecting anything, but Superman
Speaker 1: actually had like plant and that turns out later like
Speaker 1: all my friends called me. They're like, did you enjoy it?
Speaker 1: Did you like it? And I'm like what. So apparently
Speaker 1: he called everybody like a month ahead of time and
Speaker 1: was planning this.
Speaker 2: I was like, oh, my gods, that's so sweet. I
Speaker 2: know in some efforts.
Speaker 1: Yeah. So well, we went like plant shopping earlier in
Speaker 1: the day because I was like, I killed all the plants,
Speaker 1: let's buy some new ones that I can kill. And
Speaker 1: then then we had like lunch and we ate it
Speaker 1: at As we were eating it in the park, I
Speaker 1: was like, Babe, literally three years ago, this is the
Speaker 1: park where we took our pictures. So it just was
Speaker 1: so ironic that we were back in the same park
Speaker 1: where we took our our pictures before we got married.
Speaker 1: And then I just thought that was it, that we
Speaker 1: were just gonna kind of like chill. I took a
Speaker 1: nap and when I woke up, my sister was like, oh,
Speaker 1: let's let's go to our friend's house and I was like, okay, Rando.
Speaker 1: But it turned out Superman was like, can you get
Speaker 1: Tiffany out of the house, and he hired Vonda. If
Speaker 1: you heard me talk about her before, because Vonda was
Speaker 1: she Yes, she catered my my wedding and so he
Speaker 1: got fortieth party, right, yes, So the fact that he
Speaker 1: hired her to do like just a two person dinner
Speaker 1: and all of mine was seafood and he got a
Speaker 1: steak and like because the table was so like literally,
Speaker 1: we have these these pocket doors. So I walked in
Speaker 1: and like he opened the pocket doors and it was
Speaker 1: like candles and ambiance and beautifully beautiful place decending and
Speaker 1: I know Superman does not know salad for it from
Speaker 1: dinner fork. I was like, who said this flight? And
Speaker 1: it was just honestly so beautiful and like candles outside,
Speaker 1: So it was inside dinner, but then outside just like
Speaker 1: we just brought this new outside counch and they were
Speaker 1: like candles and flowers and Superman because you know, it's
Speaker 1: a hood level. We got up in here. When I
Speaker 1: went upstairs, why were there? He bought me the Jordan five,
Speaker 1: the Jordan retro fives. I was like, oh, that was
Speaker 1: like a parachutes. Yes, Jordan's. They're just Jordan's girl. I didn't.
Speaker 1: I mean, I only know the retro frivees because I
Speaker 1: heard him tell somebody on the phone, Yeah, I had
Speaker 1: the retro fives. I'm like, what is that, but anyway,
Speaker 1: they were cute.
Speaker 2: Did you want the Jordan retro five? I don't know,
Speaker 2: because one day can't picture you like I thought we
Speaker 2: were roth these girls.
Speaker 1: I am and I sid well because what it is
Speaker 1: that one day Supergirl had on some really cute sneakers
Speaker 1: and I'm like, oh, those they're cute. She's like, oh,
Speaker 1: these are Jordan's. I was like, oh yeah, I oh,
Speaker 1: you know, I see that because it's a little man
Speaker 1: jumping in the back. And so Man since then has
Speaker 1: been on the hunt for those Jordans. I mean, they're cute,
Speaker 1: but you know, I honest say, I think they're adorable,
Speaker 1: but it's not something I would have picked out for
Speaker 1: myself and he knows that. So she just got them
Speaker 1: for me. And I just thought that was really because
Speaker 1: from two years ago hearing me say that supergirls speakers
Speaker 1: were cute while she was eleven, I have them now.
Speaker 2: I love that. I feel like that's when my husband
Speaker 2: gets excited when I express any interest in any type
Speaker 2: of gadget. Like once every three years, I'll be okay
Speaker 2: to get a new iPhone or something, and then he
Speaker 2: gets really excited about picking it out and setting it
Speaker 2: up for me, Yeah, exactly.
Speaker 1: Yeah, it was just really honestly, it's just the effort
Speaker 1: involved and the sweetness and yeah, I just it was
Speaker 1: honestly like one of our best anniversary. I mean, we
Speaker 1: always have good anniversaries, but it just was really nice
Speaker 1: because it was our first one in the house and
Speaker 1: we were just sitting there just kind of like soaking
Speaker 1: in with all the craziness that's happened out there. It
Speaker 1: was just a time of like reflection and gratefulness and like,
Speaker 1: I have a really awesome life, not because of stuff,
Speaker 1: but because of the people in it. And so yeah,
Speaker 1: it was awesome.
Speaker 2: Ay man, you know, on Facebook reminded me that it
Speaker 2: was your anniversary because it's also the same day as
Speaker 2: my husband's. But yes, I saw that, and I don't
Speaker 2: know what was happening in twenty seventeen, but I must
Speaker 2: have thought it was a lot. I didn't know what
Speaker 2: was coming in twenty twenty, because my comment was like,
Speaker 2: it's in times like crazy, times like these, you got
Speaker 2: to appreciate days filled with love and gratitude. Congrats to
Speaker 2: my bff Tiffany on her wedding and all that. And
Speaker 2: if only I could have known, and I mean that
Speaker 2: even more today. You have got to hang on to
Speaker 2: those beautiful moments, beautiful moments. I did zero, and I
Speaker 2: mean negative things for my husband's birthday. The luckily his
Speaker 2: birthday was the same day as your anniversary. But last
Speaker 2: week was Father's Day, y'all, and I put all my
Speaker 2: energy into Father's Day, and I kind of forgot about
Speaker 2: his birthday. So I think it's fine. His parents like
Speaker 2: came over, there was a cake, his brother traveled from DC.
Speaker 2: It was lovely.
Speaker 1: Oh that's nice.
Speaker 2: Yeah, so we did a little something something with masks on. Well,
Speaker 2: it's beautiful. Congrats. Another year is super love.
Speaker 1: I love that hashtag super love super love.
Speaker 2: All right, well then I'll steal the bet slash. Beyonce
Speaker 2: Black Pride visual album news I be seen the trailer
Speaker 2: for her visual thing.
Speaker 1: Is it super black?
Speaker 2: It's well, of course, blackly Black by Black. No, it's well,
Speaker 2: it's it's I'm confused. I don't know why it's coming
Speaker 2: out now, but it was. It was a visual album
Speaker 2: to go along with The Lion King. The Gift. That
Speaker 2: record that she released in conjunction with the movie was
Speaker 2: that last summer I feels like a million years ago.
Speaker 2: So Anyway, it's a visual album. The trailer. I think
Speaker 2: it's coming out on Disney Plus, but apparently I missed.
Speaker 2: First of all, I don't like up is down, Lift
Speaker 2: is Right, so I'd forgot all about award shows or
Speaker 2: that they were even happening. But the BET Awards got
Speaker 2: rave reviews on social media, so I need to go, Yeah,
Speaker 2: how does how did they even do a award show?
Speaker 1: I'm not gonna I didn't watch it because I didn't
Speaker 1: I guess they were on TV, but I just watched
Speaker 1: because BT put like full clips on their ig like,
Speaker 1: you know, like ig TV, So I just was watching
Speaker 1: everyone's full set and it was beautifully produced, amazing. I'm like,
Speaker 1: what they need more digital show?
Speaker 2: The Stalin in the Desert were that pre tape? Like yeah,
Speaker 2: so I staid up, like what's happening? Was that live?
Speaker 2: I don't understand it?
Speaker 1: It was amazing, So like, literally just go to BT
Speaker 1: and just click on their their ig TVs and just
Speaker 1: settle in and watch. They were beautiful.
Speaker 2: Oh okay, what was your favorite?
Speaker 1: I really liked to make the Stallion. There was a guy,
Speaker 1: uh his voice was so good, you know what it is,
Speaker 1: and so many people I had never heard of before
Speaker 1: because you know, I'm getting old. But what I really
Speaker 1: liked was the clear social commentary, like they didn't shy
Speaker 1: away from saying the thing. You know what I mean.
Speaker 1: I was really just But there was one guy in
Speaker 1: particular that his voice was just so I had to
Speaker 1: go and follow him. The video was like him and
Speaker 1: another rapper guy, but his voice in particular just moved me.
Speaker 1: I'm like, can I find him? I don't.
Speaker 2: I don't get say it was an Usher I heard
Speaker 2: Usher perform.
Speaker 1: No, no, no, it wasn't. Although I mean that was
Speaker 1: you know, that was nice, but it was The Baby
Speaker 1: actually had a really cool video. But do the Baby
Speaker 1: the fact that I'm saying that, it's.
Speaker 2: Just doesn't it sound wood? Do you go by baby
Speaker 2: or duh?
Speaker 1: You No? It's literally the Baby.
Speaker 2: Where I had to because his boy.
Speaker 1: Well one there's this this this guy named John mc reynolds.
Speaker 1: He's a gospel singer who's awesome. But I'm telling you,
Speaker 1: there was this one guy. It was so melodic and
Speaker 1: it was, uh, it was almost like they were showing
Speaker 1: them so I think it was called Lockdown. Someone's gonna
Speaker 1: tell me the name of the song. But oh, I
Speaker 1: found it. So it was Lockdown by Anderson Pack featuring
Speaker 1: Jay Rock, and it was just to me, it was
Speaker 1: beautiful and so mm hmm. It was so Yeah. So
Speaker 1: if you are scrolling through Beat's IG stories, like just
Speaker 1: click on their ID story button and you can watch
Speaker 1: the Lockdown. It was just to me, it was just
Speaker 1: a It was a very poignant presentation, but it was
Speaker 1: just melodic and real like so much of it. And
Speaker 1: then Amanda Sales did such a great job with with hosting.
Speaker 1: I just love how they did.
Speaker 2: What does that work? Okay, I'm fascinating. I need to
Speaker 2: go out.
Speaker 1: You have to go watch because what she did too
Speaker 1: is they recreated some iconic bteam almost like BT Comic
Speaker 1: View what sick some park be too. It was just
Speaker 1: so well done and yeah, you have to it was
Speaker 1: just so well done.
Speaker 2: Okay, no spoilers except for the Beyonce thing. Oh that's
Speaker 2: really exciting. Well, I'm glad that beet rose to the occasion. Yes,
Speaker 2: I should have watched that last night instead of the
Speaker 2: really disturbing Malcolm X documentary on Netflix that I decided
Speaker 2: to get really depressed about. That was a bad choice,
Speaker 2: but a woke choice. Okay, I'm going to get caught
Speaker 2: up on bet asap. All right, Well we are twelve
Speaker 2: minutes over, it's ten pm on a Monday, and you're
Speaker 2: talking to me, and I love you for it, thank you.
Speaker 2: I love your showing up.
Speaker 1: Its life is crazy, yes, not crazier than the people
Speaker 1: who shoot these damn firecrackers at o'clock at night.
Speaker 2: We had our first firecracker incident last night. Molly will
Speaker 2: never be the same, Oh poor Molly. Yeah, I don't understand.
Speaker 2: It's not even like why are people it is just
Speaker 2: is it like a thing?
Speaker 1: It's a thing, you know, it's a It's a thing.
Speaker 1: And I just want to meet the demands of whoever
Speaker 1: this is and say what do you need? You could
Speaker 1: have all the things, just please stop ten not fraid enough,
Speaker 1: I know because I'm like, are they still in the
Speaker 1: Girl's like no, Swiregreggors. I'm like, okay, well needs to
Speaker 1: have the difference. He's like, you would know the difference.
Speaker 1: I'm like, how do you know the difference, sir?
Speaker 2: But you know that white couple in the mansion in
Speaker 2: Saint Louis who are pointing their little pistol in there,
Speaker 2: and what is it? An aka I don't know it's
Speaker 2: a AR fifteen. I don't know these assault weapon terminologies.
Speaker 2: That clip was so disturbing.
Speaker 1: I didn't see that.
Speaker 2: You didn't see Saint Louis protesters. You need to look
Speaker 2: at it real quick. It's funny, how like you. I
Speaker 2: feel like you can miss so much craziness because everything
Speaker 2: is crazy and the world's on fire in every state
Speaker 2: right now. But anyway, there's this viral clip. Our own president,
Speaker 2: he who must not be named, retweeted n this video. Anyway,
Speaker 2: it's a Saint Louis protesters. They were protesting the mayor
Speaker 2: of Saint Louis because apparently in public remarks she she
Speaker 2: named addresses and full names of people who came out
Speaker 2: in support of criminal justice reform on her Facebook case.
Speaker 2: So people were protesting and asking for a resignation. They
Speaker 2: were They dared to walk by this mega mansion in
Speaker 2: Saint Louis and the couple who owns the mansion came
Speaker 2: out looking like I mean, the juxtaposition of what they
Speaker 2: look like in that mansion, I mean, it was just
Speaker 2: like a high brow, low bra moment. But homegirl was
Speaker 2: holding a small pistol very like I can't even tell
Speaker 2: you how she was holding it like she was just
Speaker 2: holding their TV remote, just swinging it around. And that
Speaker 2: guy was holding his assault rifle and pointing it at
Speaker 2: the protesters as they're walking by, like legit pointing it.
Speaker 2: And this clip went viral and I'm just there's so
Speaker 2: many memes right now, and it's fucking sad, and I
Speaker 2: don't know what our country has come to. But that's
Speaker 2: okay now.
Speaker 1: And the president retreats it as if, hey, look at
Speaker 1: this good thing.
Speaker 2: Oh yeah. He also retweeted a clip of someone yelling
Speaker 2: white power and then tried to pretend like he didn't
Speaker 2: hear that. Par No, oh my god, yeah, that's what's
Speaker 2: happening in America. I just save yourselves, you guys.
Speaker 1: I just okay, you know what, I'm gonna retreat back
Speaker 1: to my goodness.
Speaker 2: Sorry, but tell me again about your dinner was something okay, seafood, delicious,
Speaker 2: Superman crack legs.
Speaker 1: It was shrimp gumbo. It was so delicious, and the
Speaker 1: fact that he remembered that I don't eat meat and
Speaker 1: it was potatoes and it's baragus and it was amazing,
Speaker 1: and you know, I don't drink, but you know, he
Speaker 1: had Moses made because that's like if I am going
Speaker 1: to drink, that's like a little bit that I will
Speaker 1: have like a little champagne with a little orange juice.
Speaker 1: So that was nice, and it was just just nice
Speaker 1: unplug and I yeah, so that was that. I was like,
Speaker 1: oh and we danced outside to old school love songs.
Speaker 2: Oh did I tell you that? Are you keeping the
Speaker 2: cutest pine with a.
Speaker 1: Little two step? It was just really like honestly, it
Speaker 1: was just it was nice to just retreat to nothing,
Speaker 1: but like, you know, blessings because I know you have
Speaker 1: to put on the armor of God to get out
Speaker 1: here in this world, which I'm willing, but you know,
Speaker 1: sometimes you just need a piece for yourself where it's
Speaker 1: not a shit show.
Speaker 2: So black Love, Man, black Love, super Love, Yeah, I
Speaker 2: love it all right. Well, congrats on your third anniversary.
Speaker 2: Go get some rest, everybody, take care of yourself, get
Speaker 2: some rest. Think you think you Thank you for listening, and.
Speaker 1: We'll talk to you all next week. Miss We