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Speaker 1: A student loan? What are we calling it beginning May fifth?

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Speaker 1: If you have been on default on your loans, like

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Speaker 1: it's going to show up on your credit report. When

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Speaker 1: you look at the populations that are going to be

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Speaker 1: most impact, it's going to be underserved, like minority students.

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Speaker 2: But my what I'm confused about is is their Department

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Speaker 2: of Education still.

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Speaker 1: Over this?

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Speaker 3: Yes, it keeps saying that the partner of Education is going

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Speaker 3: to start collection starting my fifth I'm.

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Speaker 2: Like, what the head of the doe is? The is

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Speaker 2: the wrestling lady? That's ok?

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Speaker 1: Even hey, the a fan, Welcome to the Brown table.

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Speaker 1: We haven't had one of these in a minute. It

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Speaker 1: feels like I've been over here just interviewing people I've

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Speaker 1: been in like my you know, my podcast host back,

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Speaker 1: just getting incredible thought leaders. I do have a couple

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Speaker 1: of do you you know, going on iconic radio stations

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Speaker 1: and such like that, like so like that. No, but

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Speaker 1: I've been preparing very hard for Mental Health Awareness Month,

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Speaker 1: which is happening in May. And you'll know, some of

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Speaker 1: these like months like they can be a little you know,

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Speaker 1: lip service, corny whatever. But because I have had such

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Speaker 1: a pivotal year in my own mental health journey this

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Speaker 1: past year. So I'm kind of celebrating the year of

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Speaker 1: me saying yes to my mental health resources and like

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Speaker 1: seeing such you know, great progress. I said, let me

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Speaker 1: put together some shows where we can really like look

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Speaker 1: at the link between our mindset and our finances, which

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Speaker 1: is such an obvious like they're on the same path

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Speaker 1: in my mind. Right, So I got some good.

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Speaker 3: Pay attention enough I feel like to that, like we'll

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Speaker 3: say it over and over and over again, but people

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Speaker 3: still want to skip to Okay, so how do I

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Speaker 3: get my credit?

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Speaker 4: Right's exactly.

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Speaker 1: Yeah. It's also the hardest thing to coach people in.

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Speaker 1: So I've got I'm going to talk to Aga Evans,

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Speaker 1: who's a financial therapist. You know that's my boom.

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Speaker 2: So okay, good because when I name dropped somebody on

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Speaker 2: the show, you know, she's amazing, soon to be what the.

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Speaker 1: Way, soon to be cousin.

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Speaker 2: She marrying your kid, no having your baby, never mine?

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Speaker 1: Okay, long time was here. We did get a little

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Speaker 1: bit of t out of her about her dating life right.

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Speaker 4: Along the way, like we're supposed to call over her

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Speaker 4: little trail.

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Speaker 1: Of the uncertainty is not good for my mental health. Okay,

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Speaker 1: so let me just keep moving. Asia, who is the

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Speaker 1: author of a book that I can't remember the name.

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Speaker 1: You're gonna have it right finance. Well look at there

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Speaker 1: we go that you. I mean, it's almost like we

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Speaker 1: did not plan that. We did not I just literally

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Speaker 1: have to sit in here. That's when I know I

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Speaker 1: pick a good one.

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Speaker 4: She's oh good.

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Speaker 1: I've got Asia coming on to Like I did a

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Speaker 1: poll on my on brown Ambition's ig just asking folks,

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Speaker 1: like what kinds of questions are you having? What's what's

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Speaker 1: really like keeping you up at night? So we go

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Speaker 1: and talk about that. I've also got unessima. I told

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Speaker 1: you I was going to talk to doctor j Blackstock.

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Speaker 2: Yeah and yeah, and Ellie, I know you'd be excited

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Speaker 2: about that too.

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Speaker 4: Yay, Yeah, give me so.

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Speaker 1: Yeah. So those who don't know she wrote this New

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Speaker 1: York Times bestselling book a year ago called Legacy A

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Speaker 1: Black Physician Reckons with Racism and Medicare Medicine. I almost

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Speaker 1: did it. I almost remember the whole title. You the

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Speaker 1: Good So I interviewed her along with doctor Jessica M. Shepherd,

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Speaker 1: who is a menopause and obg YA expert from the

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Speaker 1: West post. So we're getting into that interview ended up

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Speaker 1: being more about like their mental health because they are

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Speaker 1: two such incredible advocates for us, so I wanted to

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Speaker 1: like get real with them about and they are both

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Speaker 1: like doctor Blackstock is talking about how these you know,

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Speaker 1: this huge effort to undo DEI across America. It's impacting

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Speaker 1: her business because she's not a practicing physician anymore. She

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Speaker 1: has it's a well, it's a consultancy firm, so she

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Speaker 1: gets paid to speak and you know, do DEI trainings

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Speaker 1: and things like that. So we get into that. It's

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Speaker 1: a really good one. I've got the author of Black

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Speaker 1: Girls Breathing.

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Speaker 2: Jasmine Marine, so she and I So Black Girls Breathing

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Speaker 2: is all about she actually runs this incredible network of

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Speaker 2: breathwork specialists and she trains them.

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Speaker 1: And we're going to talk about how breath work, which

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Speaker 1: has become a really crucial part of my mental health journey.

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Speaker 1: This has been the year of it takes more than therapy. Yes,

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Speaker 1: So she's gonna we do a breath work exercise.

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Speaker 2: She talks about like how it's helping you know, like

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Speaker 2: we talk about how how do you like get to

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Speaker 2: the root of your like your mental health challenges and

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Speaker 2: how it could impact your finances. And it ain't got

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Speaker 2: nothing to do with the calculator all, you know, sometimes.

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Speaker 1: Like your budget, so we get into that and what else.

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Speaker 1: I have so much good stuff. But those are just

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Speaker 1: a few episodes. So stay tuned b A for all

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Speaker 1: of May. We're kicking off this Friday. When you listen

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Speaker 1: to this Friday's episode, we're gonna kick off with Ba's

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Speaker 1: Month of Mental Health and joy and fun.

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Speaker 4: I love that. That's amazing.

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Speaker 1: We need it, yes, definitely. So what's new with y'all

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Speaker 1: and Nasima? We haven't seen you since February when you

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Speaker 1: joined the Brown Table. I know, I know, got cuter,

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Speaker 1: if that's possible.

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Speaker 2: Oh, it's it's the headphones that are really doing it,

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Speaker 2: you know.

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Speaker 1: Yeah, I feel like they're bringing out something.

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Speaker 2: These are my two year olds, by the way, but

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Speaker 2: so starning stuff coming down the line. Like I was

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Speaker 2: telling you before we started recording, I am going to

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Speaker 2: try to navigate a little mini retirement, which I won't

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Speaker 2: fully pull away from work, but I definitely won't be

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Speaker 2: working as much. More like working, going from working three

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Speaker 2: to five days a week to maybe six or five

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Speaker 2: or six days a month and navigating that to focus

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Speaker 2: on my family and maybe world schooling my kids, and

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Speaker 2: what that looks like is you know, using the world

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Speaker 2: as your classroom. So for example, a couple of years ago,

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Speaker 2: we went to London and you know, we went to

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Speaker 2: the British Museum and we talked about the British Museum

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Speaker 2: and all the things in the museum and the artifacts

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Speaker 2: where they come from. But also it was very interesting

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Speaker 2: while we were there the British Museum was robbed of

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Speaker 2: a lot of the artifacts, and then we can talk

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Speaker 2: about like, well, yes, well actually they stole all that

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Speaker 2: stuff anyway, so it's true people getting this stuff back

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Speaker 2: and then what that meant and you know, so like

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Speaker 2: doing things like that more interact black panther, I know

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Speaker 2: what you're talking about exactly, and you know as appropriately,

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Speaker 2: no not you wear the black panther. Oh that's the

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Speaker 2: real black panther, you know, you know, but it's just

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Speaker 2: about me representing you know, anything that says Oakland on it.

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Speaker 2: But my dad was a panther ironically, so yeah, wait,

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Speaker 2: so remind the b a fan. So you are a

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Speaker 2: nurse by trade, hospital nurse. What's the exact title I'm

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Speaker 2: a labor and delivery nurse my trade. Yes, I deliver babies.

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Speaker 1: You know. My when I had my baby a couple

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Speaker 1: of years ago, the nurse who saved day as me

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Speaker 1: the same day as you.

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Speaker 2: Shouldn't you remind me every time? Uh, we have dem nights,

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Speaker 2: twin babies, so the same day as you.

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Speaker 1: I had one of those those like minim what did

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Speaker 1: you call it, mini retirement? I had a mini retired

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Speaker 1: nurse who was incredible nurse.

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Speaker 2: She's like, oh, that's like twice a month, and I

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Speaker 2: just happened to the per day and I was so

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Speaker 2: happy because she was the best exactly.

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Speaker 1: And you come to work like so happy to be.

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Speaker 2: There, like we love what we do. But the burnout

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Speaker 2: is really real. Yeah, the job stress is real. So yeah,

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Speaker 2: I just saw.

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Speaker 3: The study that said that the highest trusted profession in

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Speaker 3: the United States is a nurse. Yeah, when you burn out,

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Speaker 3: it's you know, that's why people have so much trust

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Speaker 3: in nurses. You go above and beyond your working so hard,

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Speaker 3: crazy hours, and when you have a good nurse, it

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Speaker 3: makes the.

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Speaker 4: Entire hospital experience so different. So it makes sense.

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Speaker 2: But yes, that burnout, Yeah, it definitely makes her break

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Speaker 2: a hospital experience, and especially in labor and delivery, where

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Speaker 2: you never forget right when you have a baby. Yeah,

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Speaker 2: I mean you're also such so much more than that.

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Speaker 2: You have four baby girls.

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Speaker 1: I have three. Okay, I'm sorry, I'm sorry, unmanifest which

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Speaker 1: is still incredible. Three baby girls amazing, And you've created

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Speaker 1: this brand financially intentional, and I've as a mom myself.

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Speaker 1: I just love I love seeing how you have invested

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Speaker 1: for their futures and got some six figure naires already already. Yeah,

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Speaker 1: so what's that going to look like? So then are

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Speaker 1: you living off the have you been investing in savings?

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Speaker 1: So you're gonna like partially live off of that, and

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Speaker 1: then whatever income you get from financially intentional exactly exactly,

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Speaker 1: and then maybe a little bit of commingling of funds,

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Speaker 1: like combining some funds and you know, just some.

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Speaker 2: Very special person with with who escalated February.

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Speaker 1: Maybe it's cousin, you know. Oh no, literally you're going

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Speaker 1: to be here. Are you engaged?

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Speaker 2: No?

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Speaker 1: Not yet?

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Speaker 4: Oh say wait a minute, I'm cool.

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Speaker 1: You're cool. Although Ellie, I know I look like a

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Speaker 1: news anchor, but my I disassembled my mic stand and

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Speaker 1: this is just how it's going to.

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Speaker 4: Be, reporting live, making it work.

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Speaker 3: Yeah, I'm so happy for you to hear that, because

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Speaker 3: I just feel like that is the number one reason

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Speaker 3: why high achieving women step away is burnout.

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Speaker 4: You pour so much into the work we do.

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Speaker 3: So like the fact that you're figuring out a way

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Speaker 3: to still do what you love, still make that impact,

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Speaker 3: still do the work, but do it in a way

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Speaker 3: that works for you, Like I'm all here for many retirements.

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Speaker 4: I love it.

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Speaker 2: And also to be able to spend time with my kids,

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Speaker 2: who I actually really like, I really enjoy them, and

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Speaker 2: like I'm never First of all, I never even wanted

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Speaker 2: to have no kids, So let's start there. I got three,

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Speaker 2: and I know I'll be looking at them like where

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Speaker 2: the hell these kids?

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Speaker 1: I am?

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Speaker 2: You know how they say you're your ancestry's wildest dream,

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Speaker 2: I am my past selves nightmare baby man, who would

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Speaker 2: be appholled We live where DJ's does the excursion of

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Speaker 2: the week, like we like the babies.

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Speaker 1: But it's true though.

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Speaker 3: Because the kids this is the age, like, this is

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Speaker 3: the age that makes all of they are so impressionable.

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Speaker 4: At this age, this is the age that you.

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Speaker 3: Enjoy most and remember most this that young age, Like

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Speaker 3: I remember my thought. My memory is always with my

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Speaker 3: mom because my dad was always working. He will only

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Speaker 3: be home one day week, and that one day that

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Speaker 3: he was home not working, of course, he was sleeping

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Speaker 3: all day because he's exhausted. So I feel like I

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Speaker 3: don't have childhood early memories of like my dad being

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Speaker 3: that playful dad that he is now as a granddad,

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Speaker 3: I see him as an a whelo with with my

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Speaker 3: niece and nephews, how he is with them. I'm like, oh,

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Speaker 3: you know, I never got that experience with him as

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Speaker 3: a dad because he was always working right just to

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Speaker 3: get of them table. So for you to be able

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Speaker 3: to step away for that reason, to be like no, no,

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Speaker 3: my girls are gonna remember me this way, it's like beful.

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Speaker 3: That is what all of our ancestors have wanted for us,

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Speaker 3: I'm sure forever because it's a beautiful thing.

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Speaker 4: It's such a gift.

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Speaker 2: Yeah, I'm excited about it.

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Speaker 1: So what's the timeline for this many retirement.

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Speaker 2: Well, I'm figuring that out, hopefully within the next couple

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Speaker 2: of months. Like I was telling you, if you guys

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Speaker 2: don't know who Jillian Geschard is, I mean Jillian John's route.

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Speaker 1: I used to say her name.

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Speaker 2: Jillian John's Root is author of Retire Often, which is

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Speaker 2: coming out in September. It's not a plug, but she

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Speaker 2: has a retire Often podcast and she's retired several times

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Speaker 2: and coaches people through it and so just figuring things

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Speaker 2: outgos with her. Initially it was gonna be June, which

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Speaker 2: is very soon, but I'll figure it out in the

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Speaker 2: next couple of weeks. I'll have to update you. I'll

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Speaker 2: know by mid May what my timeline is looking like

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Speaker 2: and what my trajectory will be.

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Speaker 3: Oh, I love that contract about retire Often list.

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Speaker 2: My goodness, I don't know on my radar, No on

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Speaker 2: my list. Now billion is the bomb? Like I thought

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Speaker 2: everybody knew Jillian in this community. Yeah, yeah, I'm under.

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Speaker 2: I'm under this book right now.

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Speaker 1: I don't. I'm lucky. I remember, y'all and the fact

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Speaker 1: that we don't have a kid a book. My manuscript

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Speaker 1: is due today, y'all. I do not know why I

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Speaker 1: booked this, but I'm really happy I did because I

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Speaker 1: have Literally I have been in my basement since five

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Speaker 1: a m. Finalizing the menu.

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Speaker 2: Have to Yeah, Oh my god, that the book that

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Speaker 2: I wrote. I don't even market it because it's so

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Speaker 2: much trauma bond, like so much PTSD. Yay, you got

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Speaker 2: another one that I'm enjoying. I definitely, I definitely have

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Speaker 2: a big, bigger one and a different one. I did

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Speaker 2: it a little bit unconventionally so and it was just

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Speaker 2: like my way to get exposed to it. But I

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Speaker 2: was just like ooh, I needed yeah, I mean, and

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Speaker 2: mind you, it was like an eight week timeline during

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Speaker 2: COVID girl, while being a nurse full time, while my

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Speaker 2: daughter was in kindergarten and out of school. So I

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Speaker 2: ve the way you say kindergarten, kindygarden, How do you

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Speaker 2: say that kindergarten exactly as you did, keep going, we

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Speaker 2: don't know kindergarten.

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Speaker 1: And then.

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Speaker 2: And you know, she couldn't read how to do her homework.

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Speaker 2: So I would go to work for twelve hours, come home,

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Speaker 2: and then and you know, be her teacher, and then

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Speaker 2: do it all again. And I was I was fortunately

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Speaker 2: the only one to never get COVID on my.

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Speaker 1: Unit, and I still haven't gotten COVID that.

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Speaker 4: I know of.

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Speaker 2: But so I was always working because everybody was sick.

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Speaker 2: Everybody kept on calling out six so it's like, can

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Speaker 2: you come in? Can you come in? And writing his book?

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Speaker 2: So a lot of a lot of a lot of

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Speaker 2: trauma around it. Jesus deserve many retirements.

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Speaker 4: About time you needed one a couple of years ago.

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Speaker 2: Yes, yes, yes, And there's about the stuff happened on

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Speaker 2: top of that that like kind of broke up my family.

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Speaker 1: But uh, you know it these five years, I mean

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Speaker 1: I think everyone's journey, that everyone's got a book. After

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Speaker 1: these five years, I feel like, oh for sure, you know, sure, Sorry,

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Speaker 1: I'm purshing mine from my body, and it has been

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Speaker 1: I needed more than eight weeks. I'll tell you that

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Speaker 1: I needed. I think I got this book deal the

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Speaker 1: week before the month before I gave birth to more

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Speaker 1: Gemini baby. So it's been two years and this is

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Speaker 1: the manuscript. So I have all these edits to do.

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Speaker 1: But anyway, speaking of Oakland and why you love it

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Speaker 1: and you always were up so hard, how excited are

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Speaker 1: you for your boy Ryan Cougler? Oh my god, seeding

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Speaker 1: in this way, it would have been awkward if you

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Speaker 1: were like, who, I don't know. No, For first of all,

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Speaker 1: Ryan Coogler is everything.

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Speaker 2: He's just like, first of all, he's from Oakland and

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Speaker 2: he also went to USC which is my Olmer model

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Speaker 2: double time. So you know our ride for Ryan Cougler.

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Speaker 2: You know he a little bit younger. If he was

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Speaker 2: a little bit older, you know, it would be really

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Speaker 2: all talking about younger, you know, when you're in college

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Speaker 2: and you like a senior and.

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Speaker 1: In the freshman Oh yeah, yeah, yeah, I know.

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Speaker 4: He's not even forty yet, y'all. He's up there at

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Speaker 4: thirty day.

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Speaker 1: Yeah, he's almost Have y'all seen Centners? Planning to see it,

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Speaker 1: like in a couple of hours, so you haven't seen.

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Speaker 4: It, I have not.

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Speaker 1: Alright, no, scholers, no ready, I've been waiting for this moment.

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Speaker 4: It is so freaking good.

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Speaker 3: I beloved to everybody I know that you have to

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Speaker 3: go see it, like you must.

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Speaker 4: We went last.

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Speaker 3: Weekend on a date night, and it's well because my

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Speaker 3: boyfriend was literally like not trying to do anything. I

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Speaker 3: was like, Bay, let's go, let's go it, let's go

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Speaker 3: out listen to He's like, no, no, and I was like,

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Speaker 3: we gotta go see Sinners.

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Speaker 4: Now. His thing is as soon as I see I

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Speaker 4: say like I want to go see.

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Speaker 3: A movie, his immediate thing is like he's gonna go

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Speaker 3: look at rotten tomatoes.

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Speaker 4: H that is not that person.

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Speaker 3: That person and if so written tomatoes number is not

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Speaker 3: looking like one hundred percent, it's a no. But Sinners

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Speaker 3: is damn near one hundred percent for both. It was

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Speaker 3: percent for both for both for those critics ready and

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Speaker 3: the tomatometer like that is unheard of for a movie

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Speaker 3: to get so high in both. That's how I was

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Speaker 3: like able to convince him, and we went straight to

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Speaker 3: the movie theater.

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Speaker 4: I was so excited.

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Speaker 1: I treated myself the day after I got back from

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Speaker 1: that road trip. The two died that I'm trying to

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Speaker 1: forget it about so hard, so stop talking about it, Mandy.

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Speaker 1: I got back from this long anyway events, and yeah,

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Speaker 1: I went on a Monday by myself to an IMAX

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Speaker 1: theater near me, and apparently it's not in every theater,

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Speaker 1: so I think I'm lucky to live next to one

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Speaker 1: that has it. Oh yeah, but you know, I was

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Speaker 1: a little afraid, y'all. I didn't think I liked it.

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Speaker 1: I really left the I left the theater so like

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Speaker 1: I had just gone through something. I felt so raw.

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Speaker 2: I think I was also, you're tired that it was

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Speaker 2: intense AF I don't think it's a spoiler to say

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Speaker 2: stay through the credits. At this point we all know

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Speaker 2: stay through the credits. But I wouldn't have gotten up

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Speaker 2: if you had paid me. I was so cemented to

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Speaker 2: my seat with just what did I like so much?

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Speaker 2: Like the weight and the gravity of it all. I

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Speaker 2: need to go see it again.

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Speaker 1: And I texted my brother right after and I was like,

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Speaker 1: sinners And he's like, what did you think? He had

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Speaker 1: also seen the night before.

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Speaker 2: Yeah, and I was like, I don't know that I

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00:19:00,400 --> 00:19:03,760
Speaker 2: loved it, and it's not because like I think that

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Speaker 2: it's almost It doesn't do it justice to put it

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Speaker 2: in like the I liked or didn't like a category.

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Speaker 4: Yeah.

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Speaker 1: I have thought about that movie every hour of every

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Speaker 1: day since I saw it, just about I've had dreams

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Speaker 1: about it. I thought about different scenes. It was art,

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Speaker 1: I mean, it definitely is. Yeah, It's definitely an incredible film,

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Speaker 1: a huge film, like a phenomenal film. Am I gonna

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Speaker 1: want to watch it? Like you know, it's not gonna

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Speaker 1: be my comfort movie. I'll tell you that for free

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Speaker 1: and not when I'm having a bad day. But it

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Speaker 1: was beautifully done and I.

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Speaker 3: Just have never seen a movie that approaches the topic

374
00:19:48,119 --> 00:19:50,680
Speaker 3: in that way, like it's usually you see vampire movies'

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00:19:50,680 --> 00:19:54,399
Speaker 3: is like oh, monsters versus victims. Ah, Like no, this

376
00:19:54,600 --> 00:19:59,680
Speaker 3: is like so complex and dynamic, like power, oppression, racism,

377
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Speaker 3: Jim Role, Survival of Black Americans in nineteen forty, nineteen thirty,

378
00:20:03,359 --> 00:20:06,480
Speaker 3: nineteen forties Mississippi, like what and.

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00:20:06,600 --> 00:20:11,359
Speaker 2: Vampires, music, music, musical vampiresm.

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00:20:11,080 --> 00:20:14,199
Speaker 4: Music, dancing. The cinematography was amazing.

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Speaker 2: Michael Jordan's movie Michael Not One.

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Speaker 4: But Girl I loved.

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Speaker 3: I thought it was incredible in terms of artistic and

384
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Speaker 3: creative expression, the interweaving of like the message around the

385
00:20:28,119 --> 00:20:33,199
Speaker 3: music and black culture, and it being taken by not

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Speaker 3: coincidentally a white vampire.

387
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Speaker 4: No white white man vampires were.

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Speaker 1: Given to him by a by a one movie or line.

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Speaker 4: Yeah, yeah, yeah, it was just it was a lot.

390
00:20:49,200 --> 00:20:50,080
Speaker 4: It was a lot of layers.

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Speaker 2: I can't like no spoilers, I know, I was okay,

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Speaker 2: I'm really excited.

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Speaker 1: I'm really hyped up.

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Speaker 4: Yeah yeah, girl, I think you're going to have a time.

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Speaker 1: You going with your booth, hag or are you going? No? No, no, no,

396
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Speaker 1: he doesn't live here.

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00:21:02,440 --> 00:21:05,040
Speaker 4: Oh well, you're gonna love it regardless. It's definitely the

398
00:21:05,080 --> 00:21:06,639
Speaker 4: type of movie where. Actually I was just talking to

399
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Speaker 4: my friend.

400
00:21:07,000 --> 00:21:09,640
Speaker 3: If y'all don't follow him, definitely go ty Alan Jackson

401
00:21:09,800 --> 00:21:11,080
Speaker 3: on and stuff.

402
00:21:11,080 --> 00:21:12,960
Speaker 4: He does children's books for.

403
00:21:13,000 --> 00:21:16,679
Speaker 3: Financial literacy and also just black fiction children's books like

404
00:21:16,720 --> 00:21:17,480
Speaker 3: by comic books.

405
00:21:17,520 --> 00:21:18,399
Speaker 4: Anyway, he's amazing.

406
00:21:18,400 --> 00:21:20,080
Speaker 3: So I was talking to him and he was like,

407
00:21:20,400 --> 00:21:23,159
Speaker 3: I'm going to see it. I went by myself the

408
00:21:23,200 --> 00:21:26,040
Speaker 3: first time. The theater was empty. He sat in the

409
00:21:26,040 --> 00:21:29,480
Speaker 3: theater alone, okay, and then he's like, I'm going back

410
00:21:29,560 --> 00:21:31,080
Speaker 3: again tomorrow to see it again.

411
00:21:31,160 --> 00:21:33,879
Speaker 4: Like I was like, dang, but I see it with people.

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00:21:34,000 --> 00:21:37,080
Speaker 1: I really do. Yeah, I'm scared to see it by myself.

413
00:21:37,119 --> 00:21:39,800
Speaker 1: But it's not. But it's scary, but I want to.

414
00:21:39,840 --> 00:21:41,600
Speaker 1: I want to talk about it, like I like to

415
00:21:41,640 --> 00:21:43,320
Speaker 1: get in the weeds. I wanted someone to talk about

416
00:21:43,320 --> 00:21:46,760
Speaker 1: it with immediately, and everybody in the theater was just

417
00:21:46,800 --> 00:21:48,800
Speaker 1: like me. We were all shell shocked and we all

418
00:21:48,840 --> 00:21:51,240
Speaker 1: just left. It was silent. It was like a funeral dirge.

419
00:21:51,240 --> 00:21:51,760
Speaker 1: It was weird.

420
00:21:51,920 --> 00:21:54,080
Speaker 4: Oh my gosh, Okay, see that's not how it was.

421
00:21:54,119 --> 00:21:54,920
Speaker 4: But we left the theater.

422
00:21:55,040 --> 00:21:58,480
Speaker 3: Now, granted this is Miami, so like, yeah, the theater

423
00:21:58,640 --> 00:22:00,879
Speaker 3: going is weird depending our neighborhood you go to.

424
00:22:00,960 --> 00:22:02,800
Speaker 4: But it was definitely a buzzing.

425
00:22:02,880 --> 00:22:05,760
Speaker 3: Everybody was talking chatty like when we left, Wow, so

426
00:22:05,840 --> 00:22:07,960
Speaker 3: it was no. I think it's it's different depending on

427
00:22:08,280 --> 00:22:11,080
Speaker 3: the aura, the environment, the vibe of the theater. You

428
00:22:11,119 --> 00:22:14,800
Speaker 3: see it in what's his name? Ty what Alan Jackson?

429
00:22:16,480 --> 00:22:18,200
Speaker 4: He has a kid's book called.

430
00:22:18,240 --> 00:22:22,080
Speaker 3: Uh, Make your Own Money, How Kids can earn and

431
00:22:22,080 --> 00:22:23,880
Speaker 3: spend it entry big. So if you've got a kid

432
00:22:24,080 --> 00:22:27,080
Speaker 3: I love, then he's great make your Own Money. And

433
00:22:27,119 --> 00:22:29,800
Speaker 3: then also he has another kid's book called Danny Dollar.

434
00:22:30,280 --> 00:22:32,400
Speaker 1: I gotta get Rio that. The other day Rio told

435
00:22:32,440 --> 00:22:34,040
Speaker 1: me he wants to He says he wants to be

436
00:22:34,080 --> 00:22:38,440
Speaker 1: a millionaire. I was like, what have they been talking

437
00:22:38,480 --> 00:22:38,720
Speaker 1: about it?

438
00:22:38,760 --> 00:22:40,800
Speaker 3: After Danny Dollar Danny Dollars Break.

439
00:22:40,840 --> 00:22:42,160
Speaker 4: It's like the Lemonade Escapade.

440
00:22:42,160 --> 00:22:44,480
Speaker 3: It's a little black boy who has a business to

441
00:22:44,480 --> 00:22:46,600
Speaker 3: sell lemonade and then there's drama, but then he gets

442
00:22:46,600 --> 00:22:48,320
Speaker 3: to meet the mayor and he's the goal is to

443
00:22:48,320 --> 00:22:49,919
Speaker 3: be found a millionaire because he wants to own a

444
00:22:49,920 --> 00:22:50,600
Speaker 3: sports team.

445
00:22:51,400 --> 00:22:52,840
Speaker 1: I love that book. It's so good to.

446
00:22:52,880 --> 00:22:54,440
Speaker 3: Read aloud, Like if you have a younger kid that

447
00:22:54,480 --> 00:22:56,439
Speaker 3: you read aloud to them, or if you have like

448
00:22:56,440 --> 00:22:58,800
Speaker 3: a fourth grader and third fourth grader up that they

449
00:22:58,800 --> 00:22:59,520
Speaker 3: can read it on their own.

450
00:22:59,520 --> 00:23:02,200
Speaker 4: It's like a chat to book. But I love love

451
00:23:02,240 --> 00:23:03,480
Speaker 4: love Tie. He's great.

452
00:23:03,800 --> 00:23:08,719
Speaker 1: Oh the book wrecks are hot. Hey, ba Fam, We're

453
00:23:08,720 --> 00:23:11,320
Speaker 1: gonna take a quick break, pay some bills, and we'll

454
00:23:11,400 --> 00:23:16,199
Speaker 1: be right back. All right, ba fam, we're back. So

455
00:23:16,680 --> 00:23:21,000
Speaker 1: news wise, I am like thinking about my buzzworthy topics,

456
00:23:21,160 --> 00:23:24,600
Speaker 1: and the one that BA fam has been dming about

457
00:23:24,640 --> 00:23:29,080
Speaker 1: the most has been like the student loan. Uh, what

458
00:23:29,119 --> 00:23:33,280
Speaker 1: are we calling it? Come to GMSS? Is it a mess?

459
00:23:33,320 --> 00:23:36,760
Speaker 1: So the latest I had seen was that beginning May fifth,

460
00:23:37,800 --> 00:23:40,280
Speaker 1: you're if you have been on default on your loans,

461
00:23:40,320 --> 00:23:42,679
Speaker 1: like it's going to show up on your credit report. Right.

462
00:23:43,000 --> 00:23:47,600
Speaker 1: Oh wow, the chickens have come home to roost. The

463
00:23:47,600 --> 00:23:50,600
Speaker 1: honeymoon is over. And also this just means there's not

464
00:23:50,760 --> 00:23:53,920
Speaker 1: a presidential election close enough for it to sway votes.

465
00:23:53,960 --> 00:23:56,720
Speaker 1: So they're finally okay with like letting it go. Listen,

466
00:23:56,800 --> 00:23:59,000
Speaker 1: Joe Biden, we appreciate you, but I know you kept

467
00:23:59,040 --> 00:24:03,399
Speaker 1: it alive. You tried, you did, I mean you did

468
00:24:03,400 --> 00:24:08,919
Speaker 1: it frisbe in five years now since the pandemic. Yeah,

469
00:24:08,920 --> 00:24:11,560
Speaker 1: so like what do y'all think? I mean, I feel

470
00:24:11,600 --> 00:24:13,359
Speaker 1: like the only thing you can do is go to

471
00:24:13,400 --> 00:24:18,200
Speaker 1: your student loan services website asap and figure out where

472
00:24:18,200 --> 00:24:22,840
Speaker 1: your loan stand find out where they're all at. Yeah,

473
00:24:23,359 --> 00:24:26,480
Speaker 1: with student loan stuff, it's so complex that I always

474
00:24:26,640 --> 00:24:31,080
Speaker 1: try to encourage people to work with a consultant, like

475
00:24:31,160 --> 00:24:33,600
Speaker 1: a student loan planner or something like that, who can

476
00:24:33,640 --> 00:24:35,439
Speaker 1: really dive in, especially if you have a whole lot

477
00:24:35,440 --> 00:24:38,679
Speaker 1: of federal student loans, who can really dive in the

478
00:24:38,720 --> 00:24:41,359
Speaker 1: back end and just like see like what your best

479
00:24:41,359 --> 00:24:45,080
Speaker 1: options are because that I feel like you can get

480
00:24:45,160 --> 00:24:47,119
Speaker 1: caught up in some mess, especially right now.

481
00:24:47,520 --> 00:24:54,520
Speaker 2: But what I'm confused about is what is their Department

482
00:24:54,560 --> 00:25:01,879
Speaker 2: of Education? Still, like, who's Who's like over this?

483
00:25:02,280 --> 00:25:04,040
Speaker 4: Yes, it keeps saying that the partner of Education is

484
00:25:04,040 --> 00:25:05,800
Speaker 4: going to start collection. Starting my fits, I'm like, what

485
00:25:06,440 --> 00:25:07,840
Speaker 4: which department of the ones?

486
00:25:07,920 --> 00:25:12,480
Speaker 2: Not the one that they dismantles, Like, yeah, I can't

487
00:25:12,640 --> 00:25:13,240
Speaker 2: keep up.

488
00:25:14,080 --> 00:25:16,920
Speaker 1: I'm over here. Yeah, I know you have to look

489
00:25:16,920 --> 00:25:18,800
Speaker 1: at the latest. And I was like, I mean I

490
00:25:18,880 --> 00:25:20,879
Speaker 1: feel like I knew what was happening on Friday, but

491
00:25:20,920 --> 00:25:22,560
Speaker 1: now it's been a few days since then, so I

492
00:25:22,640 --> 00:25:25,719
Speaker 1: feel the need to. I think, well, the student loan,

493
00:25:25,760 --> 00:25:28,760
Speaker 1: I mean, the government itself does service some loans. So

494
00:25:29,119 --> 00:25:32,720
Speaker 1: the Department of Education like website, we can post a

495
00:25:32,720 --> 00:25:36,000
Speaker 1: link in the show notes for y'all. Studentad dot gov

496
00:25:36,040 --> 00:25:38,280
Speaker 1: is where you would go to like find out what's

497
00:25:38,320 --> 00:25:40,920
Speaker 1: happening with your federal student loans. But sometimes, like when

498
00:25:40,920 --> 00:25:43,480
Speaker 1: I had student loans, they were serviced by another company,

499
00:25:43,520 --> 00:25:47,240
Speaker 1: So the government would contract with these big loan servicers,

500
00:25:47,280 --> 00:25:49,320
Speaker 1: so I used to have nail Net. Of course, then

501
00:25:49,320 --> 00:25:52,600
Speaker 1: there's like Sally May and not all these big ones,

502
00:25:52,640 --> 00:25:55,960
Speaker 1: so they all service federal student loan debt. And the

503
00:25:56,000 --> 00:25:58,119
Speaker 1: thing is, like, you know how sometimes when you get

504
00:25:58,160 --> 00:26:04,520
Speaker 1: a mortgage, they yeah they sell the debt. Yeah, yeah,

505
00:26:04,560 --> 00:26:06,879
Speaker 1: they sell the debt, so it may not be the

506
00:26:06,920 --> 00:26:11,920
Speaker 1: same servicer as you remember. It's just really really important

507
00:26:11,960 --> 00:26:14,720
Speaker 1: no matter. I know. What's confusing, and the unfortunate thing

508
00:26:14,760 --> 00:26:16,359
Speaker 1: is that it doesn't feel like there's a grown up

509
00:26:16,359 --> 00:26:19,199
Speaker 1: at the steering wheel. So we really have to like

510
00:26:19,480 --> 00:26:21,639
Speaker 1: take it on ourselves to go and figure out what

511
00:26:21,720 --> 00:26:22,280
Speaker 1: all we have.

512
00:26:23,160 --> 00:26:28,040
Speaker 2: And yeah, yeah, there's some good accounts to follow that

513
00:26:28,119 --> 00:26:30,080
Speaker 2: really track it. Like I said, if you just follow

514
00:26:30,160 --> 00:26:33,679
Speaker 2: student loan planner. It's not the stans, just student loan planner.

515
00:26:34,119 --> 00:26:34,800
Speaker 1: And then.

516
00:26:36,080 --> 00:26:39,400
Speaker 2: Oh my god, why am I blanking on the lawyer

517
00:26:39,600 --> 00:26:44,919
Speaker 2: that's also doing student loans? Really tall life skin dude,

518
00:26:45,560 --> 00:26:49,200
Speaker 2: I'm gonna tell you a lawyer. Yeah, he's a student

519
00:26:49,240 --> 00:26:54,600
Speaker 2: loan lawyer from he's instilly. The head of the doe

520
00:26:54,840 --> 00:26:56,600
Speaker 2: is the is the wrestling lady.

521
00:26:57,119 --> 00:27:05,760
Speaker 1: That's the thing I can't even right. So the real

522
00:27:05,800 --> 00:27:08,520
Speaker 1: fear among people like ba fam I was just looking

523
00:27:08,520 --> 00:27:12,919
Speaker 1: at the comments is like wage garnishment, which can happen

524
00:27:14,000 --> 00:27:17,119
Speaker 1: if you're severely delinquent. So that means like you're you've

525
00:27:17,240 --> 00:27:21,840
Speaker 1: missed two hundred and seventy days or more of your payments,

526
00:27:22,920 --> 00:27:25,199
Speaker 1: So that's months and months of missing payments, almost a

527
00:27:25,200 --> 00:27:28,840
Speaker 1: full year. So at this point, I mean, it's not

528
00:27:28,880 --> 00:27:32,040
Speaker 1: just wage garnishment. It could they can also take money

529
00:27:32,080 --> 00:27:35,320
Speaker 1: from your tax refund yep that you may be owed

530
00:27:36,600 --> 00:27:38,959
Speaker 1: and may not see next come next tax season.

531
00:27:39,720 --> 00:27:44,720
Speaker 2: So social security benefits. We have our our older kings

532
00:27:44,720 --> 00:27:47,399
Speaker 2: and queens.

533
00:27:46,119 --> 00:27:48,720
Speaker 3: Still paying student loans because that's the reality, that's the

534
00:27:48,760 --> 00:27:49,520
Speaker 3: world we live in.

535
00:27:50,240 --> 00:27:54,439
Speaker 2: Yes, yes, I can say I am very happy to

536
00:27:54,480 --> 00:27:56,439
Speaker 2: have paid them off. At first, I was max. I

537
00:27:56,480 --> 00:27:59,760
Speaker 2: was like, so I had got all these forgiveness programs,

538
00:28:00,080 --> 00:28:03,280
Speaker 2: all of that stuff, And then I'm just like, well,

539
00:28:03,480 --> 00:28:05,440
Speaker 2: I mean like, if they hadn't forgiven them now, I

540
00:28:05,480 --> 00:28:07,520
Speaker 2: would have been in a whole world of hurt. But

541
00:28:08,240 --> 00:28:13,159
Speaker 2: you know, I'm very glad I have no more student

542
00:28:13,200 --> 00:28:17,679
Speaker 2: loans that two hundred and twenty thousand or two hundred

543
00:28:17,720 --> 00:28:23,520
Speaker 2: and fifty thousand that I actually paid off. Congratulations because

544
00:28:23,560 --> 00:28:30,120
Speaker 2: you're so clear and beautiful and you are like, yuh

545
00:28:30,240 --> 00:28:32,800
Speaker 2: name you know how to? I mean like, I don't

546
00:28:32,880 --> 00:28:36,200
Speaker 2: understand how you've lived this many lives and accomplished so much.

547
00:28:37,359 --> 00:28:38,719
Speaker 4: That is wild, girl.

548
00:28:39,080 --> 00:28:43,040
Speaker 1: You deserve that. Retire girl, I bet I.

549
00:28:42,960 --> 00:28:46,480
Speaker 2: Have been moving like I don't think people understand. I'll

550
00:28:46,520 --> 00:28:49,800
Speaker 2: be like, listen, just scirl Instagram. You'll see a whole

551
00:28:49,840 --> 00:28:52,120
Speaker 2: lot of shit you been playing around?

552
00:28:52,480 --> 00:28:55,120
Speaker 1: Nellie? What about you, miss Ivy League? Did you have that?

553
00:28:55,360 --> 00:28:57,800
Speaker 3: I had one small student loan because I did get

554
00:28:57,800 --> 00:28:59,960
Speaker 3: a full ride. I was just that nerdy kid, so

555
00:29:00,040 --> 00:29:02,120
Speaker 3: my scholarship covered all my tuition and stuff. But I

556
00:29:02,160 --> 00:29:04,440
Speaker 3: did have a student loan for my summer study of

557
00:29:04,480 --> 00:29:05,480
Speaker 3: bar program that was.

558
00:29:05,440 --> 00:29:06,640
Speaker 4: Not governed by the scholarship.

559
00:29:06,720 --> 00:29:08,200
Speaker 3: So I did take out a student loan for that,

560
00:29:08,560 --> 00:29:10,640
Speaker 3: but it was a small it was like under seven K.

561
00:29:11,160 --> 00:29:13,200
Speaker 3: So when I graduated, I feel like I was like

562
00:29:13,200 --> 00:29:15,000
Speaker 3: of under student loans. But I did have a bunch

563
00:29:15,040 --> 00:29:18,800
Speaker 3: of credit card debt. That's another story. I did pay

564
00:29:18,840 --> 00:29:21,400
Speaker 3: off the student loans. I do feel like it's really scary,

565
00:29:21,440 --> 00:29:24,400
Speaker 3: Like I have a sister who was dealing with almost

566
00:29:24,400 --> 00:29:26,760
Speaker 3: one hundred thousand dollars of student loan debt, and I

567
00:29:26,800 --> 00:29:28,400
Speaker 3: just feel like we didn't have a lot of guidance

568
00:29:28,480 --> 00:29:30,520
Speaker 3: and she wasn't lucky like me to get the scholarship.

569
00:29:30,640 --> 00:29:33,720
Speaker 3: So it's either especially when you're a really low income kid,

570
00:29:34,480 --> 00:29:36,640
Speaker 3: it's like the low income kids and the high high

571
00:29:36,720 --> 00:29:39,160
Speaker 3: high income earners that kind of cost when it comes

572
00:29:39,200 --> 00:29:41,200
Speaker 3: to college expenses, because like your family either got it.

573
00:29:41,240 --> 00:29:42,840
Speaker 4: They just drop a forty K check.

574
00:29:42,600 --> 00:29:45,600
Speaker 3: And it's fine, or you get a full scholarship because

575
00:29:45,600 --> 00:29:49,360
Speaker 3: your low income and high achieving. But it's the middle income,

576
00:29:49,640 --> 00:29:52,600
Speaker 3: right that just gets screwed end up with stacks and

577
00:29:52,640 --> 00:29:55,240
Speaker 3: stacks on stacks of student loan debt, and it's just

578
00:29:55,320 --> 00:29:56,000
Speaker 3: it's so hard.

579
00:29:56,080 --> 00:29:57,800
Speaker 4: I feel like that's the biggest frustration.

580
00:29:58,160 --> 00:30:00,680
Speaker 3: But my sister was able to get a lot of

581
00:30:00,680 --> 00:30:03,000
Speaker 3: her student loan debt forgiven because she works in higher

582
00:30:03,080 --> 00:30:05,120
Speaker 3: edge so she was able to qualify for the federal

583
00:30:05,720 --> 00:30:08,720
Speaker 3: federal Public Service Loan Forgusness program. But if you don't

584
00:30:08,760 --> 00:30:10,880
Speaker 3: work in public service, obviously that's not an option. And

585
00:30:10,920 --> 00:30:13,400
Speaker 3: there's really not a lot of other types of forgiveness

586
00:30:13,520 --> 00:30:15,440
Speaker 3: out there, like they're not really trying to wipe debt.

587
00:30:15,640 --> 00:30:19,880
Speaker 2: So I do that actually, actually, actually, what I have

588
00:30:20,080 --> 00:30:23,040
Speaker 2: learned is that there are hundreds of long forgiveness programs.

589
00:30:23,760 --> 00:30:26,680
Speaker 2: Public service loan forgiveness is just the biggest one. That's

590
00:30:26,720 --> 00:30:30,920
Speaker 2: why I always defers to like specialists because it's a

591
00:30:30,960 --> 00:30:33,920
Speaker 2: lot of stuff you don't know unless you follow the

592
00:30:34,040 --> 00:30:38,840
Speaker 2: legislation and all of the programs to the t, and

593
00:30:39,800 --> 00:30:41,800
Speaker 2: you know, with other persons with.

594
00:30:41,880 --> 00:30:45,560
Speaker 3: Me with most tax things, that's how it isn't like

595
00:30:45,560 --> 00:30:48,520
Speaker 3: when you look at the exact policies and stuff. But

596
00:30:48,720 --> 00:30:50,560
Speaker 3: I mean, look, it's a it's a good thing that

597
00:30:50,640 --> 00:30:52,960
Speaker 3: so many people got forgiveness because there was a lot

598
00:30:53,080 --> 00:30:55,840
Speaker 3: of a corruption, There was a lot of like lack

599
00:30:55,840 --> 00:30:57,840
Speaker 3: of clarity. There was a lot of fun in just

600
00:30:58,200 --> 00:31:01,720
Speaker 3: things happening with like not being being actually informed about

601
00:31:01,800 --> 00:31:03,840
Speaker 3: interests or how it works, or being told that your

602
00:31:03,880 --> 00:31:06,640
Speaker 3: loan was unsubsidized or subsized when it was unsubsidized. I

603
00:31:06,640 --> 00:31:09,240
Speaker 3: mean there's a lot there were. There was also predatory stuff,

604
00:31:09,240 --> 00:31:12,240
Speaker 3: like people straight up calling my sister her to just

605
00:31:12,560 --> 00:31:15,280
Speaker 3: sign up for defermit, sign up for forbearans, don't worry

606
00:31:15,320 --> 00:31:17,120
Speaker 3: about it, just put it into four burns. Just sign

607
00:31:17,200 --> 00:31:18,640
Speaker 3: up for this. I'll help you do it right now,

608
00:31:19,000 --> 00:31:22,360
Speaker 3: not explaining what does that mean. Because the interest keeps

609
00:31:22,360 --> 00:31:25,880
Speaker 3: a crewing baby every single day. They don't pause the interest,

610
00:31:25,960 --> 00:31:28,560
Speaker 3: so you don't really fully understand. So I do think

611
00:31:28,560 --> 00:31:30,360
Speaker 3: that because of that it was important to do a

612
00:31:30,360 --> 00:31:32,760
Speaker 3: lot of forgiveness. But even still, like I do think

613
00:31:32,760 --> 00:31:35,080
Speaker 3: people are just straight up scared now, and I argue

614
00:31:35,120 --> 00:31:36,840
Speaker 3: in the SEMA like you got to get ahead of

615
00:31:36,880 --> 00:31:40,160
Speaker 3: it because the government can garnish up to fifteen percent

616
00:31:40,200 --> 00:31:40,880
Speaker 3: of your wages.

617
00:31:40,920 --> 00:31:41,320
Speaker 4: They can't.

618
00:31:41,320 --> 00:31:45,200
Speaker 3: They will come for that paycheck, but only right, but

619
00:31:45,360 --> 00:31:48,440
Speaker 3: only if you have not taken any steps to try

620
00:31:48,440 --> 00:31:50,840
Speaker 3: to set up a payment plan or set up something first.

621
00:31:50,840 --> 00:31:53,120
Speaker 4: If you even if you if you do outreach and you.

622
00:31:53,160 --> 00:31:55,760
Speaker 3: Set up something as small as that might be, that

623
00:31:55,880 --> 00:31:58,360
Speaker 3: alone is enough to not put you in the wage

624
00:31:58,360 --> 00:32:01,479
Speaker 3: garnishment category or in any of these other like horrible

625
00:32:01,480 --> 00:32:03,600
Speaker 3: for your credit and things like that, because you're working

626
00:32:03,600 --> 00:32:05,400
Speaker 3: with them. But the problem is so many of us,

627
00:32:05,600 --> 00:32:08,240
Speaker 3: when we have really like a death situation that's really scary,

628
00:32:08,440 --> 00:32:10,480
Speaker 3: we try to do like the Ostrich and like bury

629
00:32:10,480 --> 00:32:12,360
Speaker 3: ourselves up under the sand and just try to like

630
00:32:12,560 --> 00:32:14,560
Speaker 3: avoid their calls, don't reach out to them, try to

631
00:32:14,560 --> 00:32:17,000
Speaker 3: pretend it's not just going to magically go away, Like

632
00:32:17,200 --> 00:32:20,200
Speaker 3: this is one in particular where they're coming down hard

633
00:32:20,240 --> 00:32:22,200
Speaker 3: on it because it's been five years that they haven't

634
00:32:22,240 --> 00:32:24,760
Speaker 3: collected a penny of interest on these loans, and.

635
00:32:24,720 --> 00:32:27,040
Speaker 4: So they're really trying to buck down on it.

636
00:32:27,080 --> 00:32:28,880
Speaker 3: So we just, I just think, just get ahead of it,

637
00:32:28,920 --> 00:32:31,080
Speaker 3: and like Nasima said, if you need help, there are

638
00:32:31,160 --> 00:32:36,600
Speaker 3: certifications and designations specifically for people who are like c SLP,

639
00:32:36,880 --> 00:32:39,720
Speaker 3: which is Certified Student More Professional, not just a rando

640
00:32:39,880 --> 00:32:41,760
Speaker 3: on Instagram, like how can I help you with, you know,

641
00:32:42,840 --> 00:32:45,160
Speaker 3: student Home Professional y'alls.

642
00:32:44,880 --> 00:32:47,160
Speaker 2: And student loan lawyers. The student loan lawyer I was

643
00:32:47,160 --> 00:32:48,680
Speaker 2: thinking about his name is Stanley Tate.

644
00:32:49,960 --> 00:32:53,240
Speaker 1: Yeah, Stanley Tait okay mm hmm Yeh's actually helpful if

645
00:32:53,240 --> 00:32:56,760
Speaker 1: you're trying to challenge a wage garnishment, which oh yeah,

646
00:32:56,840 --> 00:32:58,080
Speaker 1: and he has he has done that.

647
00:32:59,240 --> 00:33:02,280
Speaker 2: You know, you can't have student loans removed from your

648
00:33:02,560 --> 00:33:04,640
Speaker 2: your credit and all of that stuff, and it's with you.

649
00:33:05,160 --> 00:33:06,880
Speaker 1: He has taken those.

650
00:33:08,320 --> 00:33:08,720
Speaker 4: They can't.

651
00:33:08,800 --> 00:33:11,280
Speaker 3: They also say that you can't have it written off

652
00:33:11,280 --> 00:33:12,080
Speaker 3: in a bankruptcy.

653
00:33:12,440 --> 00:33:14,040
Speaker 1: Yes, but again, if you have a lord, I'm.

654
00:33:13,960 --> 00:33:14,480
Speaker 4: Working with you.

655
00:33:14,520 --> 00:33:18,360
Speaker 3: There are certain cases of undo hardship that in certain

656
00:33:18,400 --> 00:33:22,040
Speaker 3: cases your situation is so specific to you, don't just

657
00:33:22,120 --> 00:33:24,200
Speaker 3: go on you know, social watch these videos and think

658
00:33:24,240 --> 00:33:27,480
Speaker 3: it applies to you. Your situation is very specific that

659
00:33:27,520 --> 00:33:29,160
Speaker 3: one on one can be really helpful.

660
00:33:29,440 --> 00:33:33,200
Speaker 1: Yeah, Studentaid Dot of y'all. That is the Department of

661
00:33:33,280 --> 00:33:36,400
Speaker 1: Education's website. It's just such a you know, it's just

662
00:33:36,440 --> 00:33:40,000
Speaker 1: such bullshit because they wait until the CFPP has been dismantled.

663
00:33:40,320 --> 00:33:44,320
Speaker 1: So that's like the Consumer Protection Bureau, which that protected

664
00:33:44,360 --> 00:33:47,120
Speaker 1: students in the wake of the financial crisis from eight

665
00:33:47,200 --> 00:33:49,800
Speaker 1: who were being taken advantage of left and right by

666
00:33:49,800 --> 00:33:54,280
Speaker 1: these servicers charge fees. You know. Also, you know our

667
00:33:55,760 --> 00:34:00,600
Speaker 1: President Orange himself and his Trump University, you know bs

668
00:34:00,720 --> 00:34:03,920
Speaker 1: that that was also like he was also sued for scamming.

669
00:34:04,040 --> 00:34:06,440
Speaker 1: Oh yeah, that private school staff. Oh yeah, that for

670
00:34:06,560 --> 00:34:07,280
Speaker 1: profit school.

671
00:34:07,520 --> 00:34:10,720
Speaker 4: Like yeah, all kinds of the history of vier.

672
00:34:10,640 --> 00:34:14,000
Speaker 1: Education being a scam for so many people is there.

673
00:34:14,840 --> 00:34:16,680
Speaker 1: It's a shame. So we have to Yeah, we have

674
00:34:16,719 --> 00:34:19,160
Speaker 1: to protect ourselves. And I love that y'all shared some

675
00:34:19,200 --> 00:34:21,960
Speaker 1: additional resources. But the first step is just figuring out

676
00:34:21,960 --> 00:34:24,879
Speaker 1: where your loans stand studenta dot gov and then we'll

677
00:34:24,920 --> 00:34:28,120
Speaker 1: put it. That's where you pull all of that, that's right, Yeah.

678
00:34:27,920 --> 00:34:29,560
Speaker 3: And if you don't, if you're like, look, I really

679
00:34:29,560 --> 00:34:30,880
Speaker 3: want to work with somebody one on one and I

680
00:34:30,880 --> 00:34:33,759
Speaker 3: don't have money to hire like a certified person, there

681
00:34:33,800 --> 00:34:35,680
Speaker 3: are some places where you can get free advice for

682
00:34:35,719 --> 00:34:37,319
Speaker 3: your student loans. I know one of them is the

683
00:34:37,320 --> 00:34:42,000
Speaker 3: Institute of Student Loan Advisors, but it makes sure like

684
00:34:42,080 --> 00:34:44,480
Speaker 3: usually it's going to be nonprofit or affiliated with a

685
00:34:44,480 --> 00:34:47,640
Speaker 3: local government agency, because the reality is, I mean, if

686
00:34:47,640 --> 00:34:49,799
Speaker 3: it's not a nonprofit, like, they're gonna have to make

687
00:34:49,840 --> 00:34:53,000
Speaker 3: money somehow from this. So I would say look for

688
00:34:53,160 --> 00:34:54,920
Speaker 3: free advice if you really are in a situation where

689
00:34:54,960 --> 00:34:56,239
Speaker 3: you're like, I can't even pay my loans, how am

690
00:34:56,280 --> 00:34:57,919
Speaker 3: I gonna pay somebody to help me? Not pay my loans.

691
00:34:57,920 --> 00:35:00,560
Speaker 3: I don't have money, So I get that, but don't

692
00:35:00,880 --> 00:35:03,000
Speaker 3: just like quit and give up. Like there's so many

693
00:35:03,120 --> 00:35:04,880
Speaker 3: re resources out there. You just really have to do

694
00:35:04,920 --> 00:35:06,200
Speaker 3: the digging and put in the time.

695
00:35:06,840 --> 00:35:09,000
Speaker 2: And then also I have to say, even if you

696
00:35:09,080 --> 00:35:11,440
Speaker 2: are paying for service, first of all, make sure that

697
00:35:11,440 --> 00:35:15,160
Speaker 2: it's a credible service. But the thing is is that

698
00:35:15,320 --> 00:35:18,960
Speaker 2: you're saying you can't pay your loans. The fees are minimal,

699
00:35:19,120 --> 00:35:22,520
Speaker 2: like a couple hundred dollars. But for example, if I

700
00:35:22,520 --> 00:35:24,759
Speaker 2: would have worked with them before I paid off my

701
00:35:24,880 --> 00:35:28,120
Speaker 2: student loans, it would have saved me eighty thousand dollars.

702
00:35:28,280 --> 00:35:30,080
Speaker 2: So I mean, like in the whole scheme of things

703
00:35:30,160 --> 00:35:32,360
Speaker 2: like look at it, oh, really just based on like

704
00:35:32,360 --> 00:35:35,760
Speaker 2: how much interest you paid, just on how I paid

705
00:35:35,760 --> 00:35:38,960
Speaker 2: it off. If I would have strategized it, if I

706
00:35:38,960 --> 00:35:42,160
Speaker 2: would have optimized my strategy, I could have saved eighty

707
00:35:42,200 --> 00:35:44,080
Speaker 2: thousand dollars over the course of the time.

708
00:35:44,680 --> 00:35:47,000
Speaker 1: So that ain't no small change, honey.

709
00:35:47,560 --> 00:35:49,920
Speaker 3: Oh, year's worth the salary for a lot of people

710
00:35:49,920 --> 00:35:53,120
Speaker 3: out there, the salary for a lot of other people out.

711
00:35:52,960 --> 00:35:54,040
Speaker 1: There, exactly.

712
00:35:54,520 --> 00:35:57,279
Speaker 3: Yeah, yeah, that's wild, But yeah, I think I think

713
00:35:57,320 --> 00:35:59,200
Speaker 3: a lot of the confusion right now is also like

714
00:35:59,760 --> 00:36:02,320
Speaker 3: the safe plan, like is it even a thing anymore?

715
00:36:02,320 --> 00:36:03,719
Speaker 1: Like what are the options?

716
00:36:04,120 --> 00:36:05,200
Speaker 4: That's the confusing part.

717
00:36:05,239 --> 00:36:07,360
Speaker 3: So I do think that you can just wrap your

718
00:36:07,400 --> 00:36:09,279
Speaker 3: head around it by going on a studay dot gov.

719
00:36:09,520 --> 00:36:12,080
Speaker 3: Some of it it's not so clear, but you know,

720
00:36:12,360 --> 00:36:14,040
Speaker 3: for the most part, if your income is at a

721
00:36:14,040 --> 00:36:16,319
Speaker 3: position where it's like, okay, first of all, my salary solo,

722
00:36:16,440 --> 00:36:18,640
Speaker 3: my income is solo, Like that's the part that's really hard.

723
00:36:18,840 --> 00:36:21,080
Speaker 3: Then they have the income driven repayment plan, and I

724
00:36:21,080 --> 00:36:23,520
Speaker 3: do feel like for a lot of people that usually

725
00:36:23,600 --> 00:36:24,080
Speaker 3: is going to be.

726
00:36:24,000 --> 00:36:26,000
Speaker 4: A first solid place to start. If you are in

727
00:36:26,000 --> 00:36:27,520
Speaker 4: a situation right now you're like, I don't even know

728
00:36:27,600 --> 00:36:28,520
Speaker 4: how I'm supposed to pay.

729
00:36:28,800 --> 00:36:30,840
Speaker 3: Just start with the day driven repayment plan while you

730
00:36:30,880 --> 00:36:33,200
Speaker 3: start figuring out if there's a better option of a plan,

731
00:36:33,280 --> 00:36:35,719
Speaker 3: because that is directly tied to your income. If you're

732
00:36:35,719 --> 00:36:38,200
Speaker 3: in a low income environment right now, that's going to

733
00:36:38,200 --> 00:36:39,680
Speaker 3: help you at least to make sure it's limited to

734
00:36:39,680 --> 00:36:42,080
Speaker 3: a small percentage of your income, which is already.

735
00:36:41,840 --> 00:36:42,520
Speaker 4: Low as it is.

736
00:36:42,800 --> 00:36:45,239
Speaker 3: So you start there right and then you can kind

737
00:36:45,239 --> 00:36:47,360
Speaker 3: of start getting some clarity and looking for next steps.

738
00:36:47,360 --> 00:36:47,799
Speaker 4: From there on.

739
00:36:48,200 --> 00:36:51,439
Speaker 1: Yep, it's no wonder why HBCUs are having a hard

740
00:36:51,480 --> 00:36:55,560
Speaker 1: time recruiting, especially black men right now. It's a hard

741
00:36:55,600 --> 00:36:57,719
Speaker 1: case to make. I mean, there's definitely still a case

742
00:36:57,719 --> 00:37:00,680
Speaker 1: to be made for why education is crucial, can be

743
00:37:00,719 --> 00:37:03,399
Speaker 1: crucial for your professional journey and to get like you know,

744
00:37:03,520 --> 00:37:05,880
Speaker 1: to get the best access to high paying jobs. But

745
00:37:05,920 --> 00:37:07,360
Speaker 1: it's not the end all be all. I think the

746
00:37:07,400 --> 00:37:12,200
Speaker 1: jig is up, like people are realizing that, but we are,

747
00:37:12,280 --> 00:37:14,600
Speaker 1: Like when you look at the populations that are going

748
00:37:14,640 --> 00:37:16,640
Speaker 1: to be most impacted, like you said, the people caught

749
00:37:16,640 --> 00:37:19,919
Speaker 1: in the middle between the low income and the high

750
00:37:20,000 --> 00:37:23,120
Speaker 1: it's like it's going to be underserved, like minority students.

751
00:37:24,160 --> 00:37:27,040
Speaker 1: So it's more so if you have cousins, you know, siblings,

752
00:37:27,160 --> 00:37:29,680
Speaker 1: younger siblings who are heading into college. Just make sure.

753
00:37:29,800 --> 00:37:30,719
Speaker 1: I wish that I had.

754
00:37:31,440 --> 00:37:34,319
Speaker 2: I got lucky that I was too cheap to pay,

755
00:37:34,920 --> 00:37:36,520
Speaker 2: Like I don't know, my mom told me not to

756
00:37:36,600 --> 00:37:38,640
Speaker 2: like take out student loans for my housing and stuff

757
00:37:38,680 --> 00:37:40,480
Speaker 2: like that, so I only graduated with like eight K

758
00:37:41,080 --> 00:37:43,920
Speaker 2: as well on Elie, But I feel like if I

759
00:37:43,960 --> 00:37:47,240
Speaker 2: had just gotten some counseling even out my own campus

760
00:37:47,400 --> 00:37:51,000
Speaker 2: y before I said yes, and let me re up

761
00:37:51,000 --> 00:37:55,400
Speaker 2: this loan semester for semester. Yeah, I think that, like

762
00:37:55,440 --> 00:37:59,239
Speaker 2: you said, that is so missing, But does it really

763
00:37:59,280 --> 00:38:03,680
Speaker 2: incentive the school to have somebody there to do that.

764
00:38:03,680 --> 00:38:04,920
Speaker 1: That's the whole thing for me.

765
00:38:05,239 --> 00:38:08,759
Speaker 2: What ended up happening was I went to USC was

766
00:38:08,880 --> 00:38:13,319
Speaker 2: private school at that time. You know, I'm old, so

767
00:38:13,719 --> 00:38:17,200
Speaker 2: twenty two years ago, well that was when I graduated,

768
00:38:17,280 --> 00:38:22,000
Speaker 2: so twenty six years ago. It was forty thousand dollars

769
00:38:22,040 --> 00:38:26,800
Speaker 2: a year, and like, they hit me with that bill

770
00:38:27,400 --> 00:38:30,000
Speaker 2: because we fell in that middle that you were talking about,

771
00:38:30,080 --> 00:38:32,279
Speaker 2: Yan Nelly, and my dad was like, I ain't got

772
00:38:32,280 --> 00:38:32,719
Speaker 2: iron the.

773
00:38:32,640 --> 00:38:33,200
Speaker 1: Moss pay this.

774
00:38:33,960 --> 00:38:36,160
Speaker 2: And so I went to the office and I said,

775
00:38:36,160 --> 00:38:38,879
Speaker 2: my daddy said, he's not paying for it, and they

776
00:38:38,960 --> 00:38:44,520
Speaker 2: was like, I said, to tell you, and they said, okay,

777
00:38:44,600 --> 00:38:48,919
Speaker 2: we'll just give you a grant. So I graduated from

778
00:38:49,000 --> 00:38:52,560
Speaker 2: six years at USC undergrad grad school with only forty

779
00:38:52,560 --> 00:38:56,279
Speaker 2: thousand dollars a debt considering because.

780
00:38:56,960 --> 00:39:01,600
Speaker 4: School right that was nursing school or nursing school.

781
00:39:01,920 --> 00:39:02,479
Speaker 1: Nursing school.

782
00:39:02,560 --> 00:39:06,760
Speaker 2: Yeah, so after that at the state school, by the gotcha.

783
00:39:06,520 --> 00:39:09,120
Speaker 4: But a lot of people take that on per year.

784
00:39:09,440 --> 00:39:10,440
Speaker 1: Yes, exactly.

785
00:39:10,480 --> 00:39:11,280
Speaker 4: At that total.

786
00:39:11,680 --> 00:39:14,160
Speaker 3: But you make a good point. You make a really

787
00:39:14,200 --> 00:39:17,359
Speaker 3: good point, Mandy about HBCU struggling. Right now, my sister

788
00:39:17,360 --> 00:39:20,080
Speaker 3: fell out with my sister who is the VP of

789
00:39:20,160 --> 00:39:22,359
Speaker 3: data analytics at Howard University.

790
00:39:22,560 --> 00:39:25,879
Speaker 4: That's right, My sister is doing the damn thing though

791
00:39:25,880 --> 00:39:30,120
Speaker 4: she's about that year mark, kiddos, you know.

792
00:39:29,440 --> 00:39:30,680
Speaker 1: We work hard.

793
00:39:31,239 --> 00:39:34,160
Speaker 3: But so my sister actually recently told me that a

794
00:39:34,160 --> 00:39:36,400
Speaker 3: lot of the data shows and it's not like this

795
00:39:36,480 --> 00:39:39,359
Speaker 3: is some internal thing, like it's very public data that

796
00:39:39,840 --> 00:39:43,040
Speaker 3: the challenge is financial for most students that go to Howard.

797
00:39:43,320 --> 00:39:45,920
Speaker 3: And what you see is that four years. They call

798
00:39:45,960 --> 00:39:47,640
Speaker 3: it a four year degree because most people do a

799
00:39:47,640 --> 00:39:49,560
Speaker 3: bachelor in four years, but a lot of students at

800
00:39:49,560 --> 00:39:52,640
Speaker 3: Howard take five or six years to do that four

801
00:39:52,680 --> 00:39:55,759
Speaker 3: year degree because the finances because personally they end up

802
00:39:55,760 --> 00:39:57,440
Speaker 3: getting like they can't so they pause and they come

803
00:39:57,480 --> 00:39:59,359
Speaker 3: back and they have to extend. So it takes much

804
00:39:59,440 --> 00:40:01,680
Speaker 3: longer because of the finances.

805
00:40:02,000 --> 00:40:03,200
Speaker 4: And that's I think.

806
00:40:03,120 --> 00:40:05,960
Speaker 3: Is a huge piece of this puzzle that even though

807
00:40:06,000 --> 00:40:08,600
Speaker 3: you could you could do all the wiping and forgiveness

808
00:40:08,600 --> 00:40:10,360
Speaker 3: that you want on all the student loans that exist.

809
00:40:10,560 --> 00:40:14,040
Speaker 3: But moving forward though, like what is happening to these

810
00:40:14,120 --> 00:40:17,680
Speaker 3: droves and droves of incoming students that it's not being addressed.

811
00:40:17,680 --> 00:40:20,600
Speaker 3: It's like, Okay, well, we're gonna fix this problem over here,

812
00:40:20,760 --> 00:40:22,120
Speaker 3: but we're not gonna get to the root of it

813
00:40:22,160 --> 00:40:24,279
Speaker 3: when we keep bringing new students into a system that

814
00:40:24,480 --> 00:40:26,680
Speaker 3: is burdening them with that in the first place.

815
00:40:28,440 --> 00:40:31,120
Speaker 1: Hey, ba, fam, We're gonna take a quick break, pay

816
00:40:31,160 --> 00:40:34,600
Speaker 1: some bills, and we'll be right back. Welcome back, bea fam.

817
00:40:34,680 --> 00:40:37,919
Speaker 1: Let's get back to the show. And then they're under

818
00:40:37,960 --> 00:40:40,560
Speaker 1: attack by their own by their own government at the same.

819
00:40:40,320 --> 00:40:41,839
Speaker 4: Time, at the exact same time.

820
00:40:42,280 --> 00:40:46,640
Speaker 1: Let's not have a psychotic spiral, because it's all happening

821
00:40:46,680 --> 00:40:50,440
Speaker 1: all at once. That's the whole thing. It's all happening

822
00:40:50,480 --> 00:40:54,160
Speaker 1: all at once. How are y' all coping it is?

823
00:40:54,320 --> 00:40:57,600
Speaker 1: We're heading into mental health months? This is That's it.

824
00:40:57,719 --> 00:41:00,560
Speaker 2: Like the only thing I'm like looking for or too,

825
00:41:00,800 --> 00:41:03,960
Speaker 2: is like being able to escape the rat race and

826
00:41:04,080 --> 00:41:05,960
Speaker 2: what that looks like for me, Like that's the only

827
00:41:05,960 --> 00:41:07,359
Speaker 2: thing holding me together right now.

828
00:41:07,800 --> 00:41:10,719
Speaker 1: I ain't gonna lie And you're gonna take charge of

829
00:41:10,719 --> 00:41:11,640
Speaker 1: your kids education?

830
00:41:12,520 --> 00:41:17,319
Speaker 5: Yes, yes, So when I did teach for America, they

831
00:41:17,360 --> 00:41:21,640
Speaker 5: taught us in this like super speedy like training program

832
00:41:21,719 --> 00:41:23,440
Speaker 5: they call Institute Summer Institute training.

833
00:41:23,719 --> 00:41:25,759
Speaker 4: So you basically if you do teach for America, you

834
00:41:25,800 --> 00:41:28,000
Speaker 4: don't get the four years to study education.

835
00:41:28,120 --> 00:41:30,680
Speaker 3: Most people just come in and do two years of teaching,

836
00:41:30,680 --> 00:41:33,000
Speaker 3: but they have to give you like a master's in

837
00:41:33,080 --> 00:41:35,839
Speaker 3: education in like four weeks over the summer and then

838
00:41:35,920 --> 00:41:36,760
Speaker 3: you're in the classroom.

839
00:41:36,840 --> 00:41:39,800
Speaker 4: So I know, the really fast like program.

840
00:41:39,880 --> 00:41:42,000
Speaker 3: But one of the biggest things that I got from

841
00:41:42,000 --> 00:41:45,040
Speaker 3: that training program was it's not just apply. It doesn't

842
00:41:45,080 --> 00:41:47,080
Speaker 3: just apply to teaching, But it was this idea that

843
00:41:47,160 --> 00:41:50,040
Speaker 3: as a teacher, there is so much going on because

844
00:41:50,040 --> 00:41:51,839
Speaker 3: you're in a school building that's part of a larger

845
00:41:51,880 --> 00:41:53,960
Speaker 3: school district of many different schools, that's part of a

846
00:41:54,040 --> 00:41:56,840
Speaker 3: much larger state with lots of schools, much larger national

847
00:41:57,000 --> 00:41:57,720
Speaker 3: education system.

848
00:41:58,000 --> 00:42:00,600
Speaker 4: But you're in your classroom. And so what you can

849
00:42:00,640 --> 00:42:01,600
Speaker 4: focus on, which you.

850
00:42:01,560 --> 00:42:06,520
Speaker 3: Should allow yourself to really put energy towards, is what's

851
00:42:06,560 --> 00:42:11,200
Speaker 3: in your locus of control. Anything that is not within

852
00:42:11,280 --> 00:42:16,040
Speaker 3: your locus of control, it is literally pointless, a waste

853
00:42:16,120 --> 00:42:19,560
Speaker 3: of your time, energy resources, mental energy, Like it is

854
00:42:19,640 --> 00:42:24,239
Speaker 3: a waste to even consider it because it's not in

855
00:42:24,280 --> 00:42:25,719
Speaker 3: your locus of control at.

856
00:42:25,640 --> 00:42:30,839
Speaker 1: All, locus. I like that, you know what I.

857
00:42:30,120 --> 00:42:32,560
Speaker 3: Talk with you about, the locus of control thing, because Nasima,

858
00:42:32,600 --> 00:42:33,280
Speaker 3: that's what you're saying.

859
00:42:33,320 --> 00:42:35,320
Speaker 4: Like, like, what is in my logos of control?

860
00:42:35,440 --> 00:42:37,279
Speaker 3: What I do with my time, what I do with

861
00:42:37,320 --> 00:42:39,600
Speaker 3: my income, with my savings, with my network, what I

862
00:42:39,640 --> 00:42:41,880
Speaker 3: do with my daughters in my home and for me,

863
00:42:41,960 --> 00:42:43,640
Speaker 3: it looks similar in Miami, like I don't have kids

864
00:42:43,680 --> 00:42:45,279
Speaker 3: and all that, but I've been spending a lot more

865
00:42:45,320 --> 00:42:46,240
Speaker 3: time with my friends.

866
00:42:46,800 --> 00:42:48,680
Speaker 4: My friend groups are mostly.

867
00:42:48,320 --> 00:42:51,400
Speaker 3: All people of color, all a lot of them are

868
00:42:51,480 --> 00:42:54,600
Speaker 3: LGBTQ I A plus like we it's a pretty diverse mix,

869
00:42:54,680 --> 00:42:58,560
Speaker 3: especially for living in Miami. In Florida, it's rough out here,

870
00:42:58,640 --> 00:43:00,919
Speaker 3: so we have to find each other. We've been doing

871
00:43:01,239 --> 00:43:05,080
Speaker 3: like brunches at each other's places, getting together to do workouts.

872
00:43:05,120 --> 00:43:06,520
Speaker 4: I just did yoga with to with my girls the

873
00:43:06,600 --> 00:43:08,000
Speaker 4: other day, Like we have to.

874
00:43:08,080 --> 00:43:09,840
Speaker 3: I just have to lean on my people because that

875
00:43:09,880 --> 00:43:12,600
Speaker 3: way it reminds me like even though the new cycles crazy,

876
00:43:12,600 --> 00:43:14,120
Speaker 3: even though a lot of these people around us do

877
00:43:14,239 --> 00:43:17,279
Speaker 3: have backwards thought processes and beliefs, but like we got

878
00:43:17,280 --> 00:43:18,879
Speaker 3: each other, and we all we got and we're here,

879
00:43:19,000 --> 00:43:21,000
Speaker 3: like let's lean on that because it's gonna get us

880
00:43:21,000 --> 00:43:23,960
Speaker 3: through these couple of years. Is as wild a is

881
00:43:24,000 --> 00:43:26,720
Speaker 3: it gonna get like your people are all you got,

882
00:43:26,880 --> 00:43:29,359
Speaker 3: And like, for me, I've been doubling down on that

883
00:43:29,480 --> 00:43:31,719
Speaker 3: and just like helping us as I can with what

884
00:43:31,800 --> 00:43:33,520
Speaker 3: I can offer them, which is like, hey, let's sit

885
00:43:33,560 --> 00:43:35,120
Speaker 3: down and help you with your finances.

886
00:43:35,520 --> 00:43:35,759
Speaker 4: You know.

887
00:43:35,840 --> 00:43:37,120
Speaker 3: I just had a call the other day with one

888
00:43:37,120 --> 00:43:39,439
Speaker 3: of my friends who's like, I'm doing a gig through

889
00:43:39,440 --> 00:43:42,200
Speaker 3: my consulting business with Google. They're gonna pay me six

890
00:43:42,239 --> 00:43:44,440
Speaker 3: figures to do this mentorship program with a lot of

891
00:43:44,480 --> 00:43:47,640
Speaker 3: students doing this Google coming into Google, and I don't

892
00:43:47,640 --> 00:43:48,439
Speaker 3: know what to do with the money.

893
00:43:48,480 --> 00:43:50,000
Speaker 4: I was like, gir, I got you. We're gonna speak

894
00:43:50,239 --> 00:43:52,280
Speaker 4: and I was zom for an hour talk about all.

895
00:43:52,160 --> 00:43:54,279
Speaker 3: Like let's just be there for each other and hold

896
00:43:54,320 --> 00:43:57,479
Speaker 3: each other down, because that's to me always the best

897
00:43:57,480 --> 00:43:58,000
Speaker 3: thing I can do.

898
00:43:58,080 --> 00:43:59,960
Speaker 4: That is in my locus of contry.

899
00:44:00,760 --> 00:44:04,600
Speaker 1: I love it, maloucas my area of control. Yeah, I mean,

900
00:44:06,400 --> 00:44:09,839
Speaker 1: I mean, not not my entire computer off my hodgepodge

901
00:44:09,840 --> 00:44:12,440
Speaker 1: of books that they're standing on, you know. I was.

902
00:44:13,600 --> 00:44:17,520
Speaker 1: I was talking to Tiffany recently, Yes, my Tiffany are Tiffany,

903
00:44:18,600 --> 00:44:22,279
Speaker 1: And she was like, I think we're one of us

904
00:44:22,320 --> 00:44:23,960
Speaker 1: was having an off day and I was like, if

905
00:44:23,960 --> 00:44:25,920
Speaker 1: it wasn't for my kids, I think they are like

906
00:44:26,000 --> 00:44:28,799
Speaker 1: a meditation in and of themselves because they forced you

907
00:44:28,880 --> 00:44:30,760
Speaker 1: to just if you do it right, just like focus

908
00:44:30,760 --> 00:44:33,839
Speaker 1: on whatever they're focused on. So that helps. Is like

909
00:44:33,920 --> 00:44:37,719
Speaker 1: actually being on the floor playing for me. But to

910
00:44:37,760 --> 00:44:40,319
Speaker 1: your point you Ellie about community. Oh, one of the

911
00:44:40,320 --> 00:44:44,279
Speaker 1: interviews that I'm really excited about I have Nicky No

912
00:44:44,440 --> 00:44:47,680
Speaker 1: Mickey Kendall, the author of Hood Feminism, which came out

913
00:44:47,800 --> 00:44:50,400
Speaker 1: during the pandemic. It's a great book if you guys

914
00:44:50,680 --> 00:44:52,439
Speaker 1: haven't read it. She's working on a new book that's

915
00:44:52,480 --> 00:44:56,480
Speaker 1: incredibly depressing. We're talking about it and it's like no, no,

916
00:44:56,680 --> 00:44:59,200
Speaker 1: even She's like, I don't know how to find uplifting

917
00:44:59,239 --> 00:45:01,000
Speaker 1: part at the end I thought I would come to

918
00:45:01,120 --> 00:45:04,040
Speaker 1: it's all very dystopian, but it's basically about how the

919
00:45:04,080 --> 00:45:07,000
Speaker 1: American dream is gone. Uh it was a lie, which

920
00:45:07,080 --> 00:45:10,360
Speaker 1: we all know. But towards the end of our conversation,

921
00:45:10,560 --> 00:45:12,719
Speaker 1: she was I was. I asked her. I was like, well,

922
00:45:12,719 --> 00:45:14,120
Speaker 1: what do you think is the answer? Like, how do

923
00:45:14,200 --> 00:45:16,640
Speaker 1: we get through this if you she's predicting civil war

924
00:45:16,680 --> 00:45:21,680
Speaker 1: and all these things. Uh. And she said it's community.

925
00:45:21,800 --> 00:45:24,800
Speaker 1: And she came up with an example of like even

926
00:45:24,840 --> 00:45:27,080
Speaker 1: in like it's going to be hyper local, Who were

927
00:45:27,120 --> 00:45:30,600
Speaker 1: the people in your neighborhood? How are y'all bartering and

928
00:45:30,680 --> 00:45:35,799
Speaker 1: trading skills and you know sharing resources? Who has you know,

929
00:45:36,440 --> 00:45:38,560
Speaker 1: who has something to offer other people? And what can

930
00:45:38,600 --> 00:45:41,560
Speaker 1: you share amongst each other? And by the time I

931
00:45:41,600 --> 00:45:43,319
Speaker 1: was done talking to her, I had a group chat

932
00:45:43,360 --> 00:45:46,800
Speaker 1: going with my two neighbors who like me, attempt to

933
00:45:46,840 --> 00:45:47,840
Speaker 1: garden each year.

934
00:45:47,760 --> 00:45:51,399
Speaker 4: And have varying results at gardening day.

935
00:45:52,000 --> 00:45:54,920
Speaker 1: I was like, no, we're gonna well, since then it's escalated,

936
00:45:54,960 --> 00:45:57,240
Speaker 1: I went and I got. I passed by this restaurant

937
00:45:57,280 --> 00:46:00,440
Speaker 1: all the time where they've they've shut down, and fortunately

938
00:46:00,480 --> 00:46:02,359
Speaker 1: it was a great restaurant. But they have all these

939
00:46:02,400 --> 00:46:06,319
Speaker 1: beautiful like these these big like cedar planting beds, like

940
00:46:06,440 --> 00:46:08,960
Speaker 1: raised garden beds in the front of their restaurant, and

941
00:46:09,000 --> 00:46:11,839
Speaker 1: they're just empty. And I happen to know someone who

942
00:46:11,920 --> 00:46:14,640
Speaker 1: had the email for the owner. Long story short, He's like,

943
00:46:14,719 --> 00:46:19,239
Speaker 1: I'll donate three of our these giant planter beds to you,

944
00:46:19,360 --> 00:46:21,719
Speaker 1: and this community garden project, which at that point was

945
00:46:21,760 --> 00:46:24,799
Speaker 1: a text that I started with my friends. So now

946
00:46:24,800 --> 00:46:27,480
Speaker 1: I have a community garden. And now we've chosen like

947
00:46:27,560 --> 00:46:29,520
Speaker 1: my neighbor who's across the way from me, she's gonna

948
00:46:29,520 --> 00:46:31,640
Speaker 1: put it in her yard. She gets the best light,

949
00:46:31,760 --> 00:46:33,840
Speaker 1: and then we can all access it and we're just

950
00:46:33,880 --> 00:46:37,160
Speaker 1: gonna start planting. We're each gonna like take a couple

951
00:46:37,239 --> 00:46:41,920
Speaker 1: of crops. Yet I've got tomatoes and some herbs, and

952
00:46:41,960 --> 00:46:44,799
Speaker 1: then my other neighbor's doing corn and eggplant. Like we're

953
00:46:44,840 --> 00:46:47,479
Speaker 1: trying to spread it so that we're not all trying

954
00:46:47,520 --> 00:46:49,680
Speaker 1: to grow, Like I'm trying to grow all these things

955
00:46:49,680 --> 00:46:51,399
Speaker 1: and I'm failing at it because I can't keep track.

956
00:46:52,360 --> 00:46:54,520
Speaker 1: And now we can like tend to the garden together,

957
00:46:54,760 --> 00:46:58,759
Speaker 1: and we've got co parents for our plant babies, so

958
00:46:58,920 --> 00:47:01,120
Speaker 1: like if one of us is vacation, the other one

959
00:47:01,120 --> 00:47:03,080
Speaker 1: can show up and like water them or whatever the

960
00:47:03,080 --> 00:47:04,919
Speaker 1: hell you got to do to plans. I don't know, Yeah,

961
00:47:05,520 --> 00:47:07,839
Speaker 1: pick off the big caterpillars that try to eat them.

962
00:47:08,200 --> 00:47:11,239
Speaker 3: I love that we need that, and we need that

963
00:47:11,239 --> 00:47:13,840
Speaker 3: that model, Mandy, I feel like that model applies to

964
00:47:13,880 --> 00:47:14,920
Speaker 3: so many other contexts.

965
00:47:14,920 --> 00:47:15,480
Speaker 4: Like I just heard.

966
00:47:15,520 --> 00:47:19,320
Speaker 3: I was watching Instagram content from Delina Meddin. She's a

967
00:47:19,320 --> 00:47:21,480
Speaker 3: good friend of mine. She's also a celebrity makeup artist,

968
00:47:21,800 --> 00:47:24,840
Speaker 3: and she was talking about how within her space, like

969
00:47:24,880 --> 00:47:28,279
Speaker 3: beauty and makeup in that industry the hardest thing about

970
00:47:28,320 --> 00:47:31,320
Speaker 3: trying to tell people to do community and like small

971
00:47:31,360 --> 00:47:33,880
Speaker 3: businesses and like black owned women brands and Latina on

972
00:47:33,960 --> 00:47:36,800
Speaker 3: women brands, Like it's hard because of shipping. The shipping

973
00:47:36,800 --> 00:47:39,480
Speaker 3: and handling is like the most expensive part. Like you

974
00:47:39,560 --> 00:47:42,120
Speaker 3: might order a mescarra that costs her twenty thirty bucks,

975
00:47:42,160 --> 00:47:44,279
Speaker 3: and all of a sudden, the shipping is like seven dollars,

976
00:47:44,320 --> 00:47:46,360
Speaker 3: and all of a sudden, a third of the price

977
00:47:46,480 --> 00:47:48,600
Speaker 3: is gone to shipping, and you're like, nah, I'm gonna

978
00:47:48,600 --> 00:47:51,640
Speaker 3: just get this on ambagon Amazon. That's so it's so

979
00:47:51,800 --> 00:47:55,240
Speaker 3: hard to like leave. But her message, which I loved,

980
00:47:55,280 --> 00:47:57,880
Speaker 3: I saved her real about this because I was like

981
00:47:57,880 --> 00:47:59,759
Speaker 3: I got to come back to this was like we

982
00:48:00,000 --> 00:48:01,920
Speaker 3: didn't get in our group chat. All the girls we

983
00:48:02,040 --> 00:48:03,960
Speaker 3: all buying the same as Cat, We all buying this,

984
00:48:04,360 --> 00:48:06,640
Speaker 3: you know, buttery skin whatever, were all doing it, So

985
00:48:07,000 --> 00:48:08,360
Speaker 3: why don't we all get in here and go like

986
00:48:08,400 --> 00:48:11,480
Speaker 3: all right, I'm gonna place the order. What do y'all need?

987
00:48:11,680 --> 00:48:13,799
Speaker 4: Well, I'll get it all. We split you all paid.

988
00:48:13,800 --> 00:48:15,600
Speaker 3: We're paid out just like a dinner or a bunch

989
00:48:15,640 --> 00:48:17,800
Speaker 3: of a birthday event. And then we split the shipping

990
00:48:17,840 --> 00:48:19,920
Speaker 3: and handling so it's a couple bucks each instead of

991
00:48:20,000 --> 00:48:23,000
Speaker 3: each one of us placing a separate order. And then

992
00:48:23,120 --> 00:48:26,160
Speaker 3: we can actually use Amazon less or have the goal

993
00:48:26,280 --> 00:48:29,279
Speaker 3: aspiration within sight to eventually not use it. And I

994
00:48:29,320 --> 00:48:31,640
Speaker 3: just thought that was so powerful because, like you said, Mandy,

995
00:48:31,760 --> 00:48:35,719
Speaker 3: like you so simple, It seems so simple, right, it's just.

996
00:48:35,640 --> 00:48:37,040
Speaker 1: It, that's other people for help.

997
00:48:37,680 --> 00:48:39,759
Speaker 3: Yes, And we all already doing a lot of this

998
00:48:39,800 --> 00:48:44,000
Speaker 3: stuff anyway. We just got to like unsilo the way

999
00:48:44,120 --> 00:48:46,000
Speaker 3: we do so we all doing stuff in silos like

1000
00:48:46,080 --> 00:48:46,960
Speaker 3: why why?

1001
00:48:47,280 --> 00:48:49,160
Speaker 2: Well, that's exactly what I was about to say, Like

1002
00:48:49,200 --> 00:48:51,279
Speaker 2: then we have to kind of question, like when did

1003
00:48:51,320 --> 00:48:54,200
Speaker 2: we give from this community model that we all have

1004
00:48:54,600 --> 00:48:59,239
Speaker 2: used to know into like these hyper independent like structures

1005
00:48:59,280 --> 00:49:02,160
Speaker 2: where it's just like you and maybe one other person

1006
00:49:02,400 --> 00:49:03,400
Speaker 2: or you by yourself.

1007
00:49:03,520 --> 00:49:04,480
Speaker 1: Especially for black.

1008
00:49:04,320 --> 00:49:07,240
Speaker 2: Women, I don't know, like that's been shoved down our throat,

1009
00:49:07,320 --> 00:49:09,919
Speaker 2: like independent women, you can do it yourself, you don't

1010
00:49:09,960 --> 00:49:12,680
Speaker 2: need nobody. All that kind of stuff like where did

1011
00:49:12,680 --> 00:49:16,600
Speaker 2: this hyperindependence come from? When we know like everything has

1012
00:49:16,840 --> 00:49:21,320
Speaker 2: traditionally been rooted in that village structure, in that family

1013
00:49:21,360 --> 00:49:25,879
Speaker 2: and community structure. It's almost like it's intentional. Oh, it's

1014
00:49:25,960 --> 00:49:29,960
Speaker 2: quite lucrative for companies if we're all buying one of everything.

1015
00:49:29,960 --> 00:49:33,399
Speaker 3: Right well, and politically, yeah, when we think about what's

1016
00:49:33,440 --> 00:49:35,399
Speaker 3: going on with politics right now, the world, the way

1017
00:49:35,440 --> 00:49:38,080
Speaker 3: things are moving, it sounds a lot like what's in

1018
00:49:38,120 --> 00:49:42,640
Speaker 3: alignment to these ideas of like self sufficient, yourself, up

1019
00:49:43,080 --> 00:49:45,680
Speaker 3: for yourself, do for your own, worry about yourself, and

1020
00:49:45,760 --> 00:49:46,239
Speaker 3: it's like.

1021
00:49:46,560 --> 00:49:48,800
Speaker 1: There's not enough for us all. We must all protect

1022
00:49:48,840 --> 00:49:50,080
Speaker 1: our own.

1023
00:49:50,000 --> 00:49:53,000
Speaker 3: Yes, you're off it, because then it affects your mindset

1024
00:49:53,000 --> 00:49:54,560
Speaker 3: and roots into thinking that like.

1025
00:49:54,600 --> 00:49:56,879
Speaker 1: We're coming for yours. It's only yours, and they're coming

1026
00:49:56,920 --> 00:49:57,640
Speaker 1: to take it, and.

1027
00:49:59,120 --> 00:50:01,120
Speaker 3: I can't be thinking about nobody else. And it's like wait,

1028
00:50:01,239 --> 00:50:04,880
Speaker 3: if we actually take a step back and like reflect

1029
00:50:04,920 --> 00:50:08,640
Speaker 3: on the bigger picture, the only way is to do

1030
00:50:08,719 --> 00:50:11,759
Speaker 3: that super hyper local, community driven stuff, because at the

1031
00:50:11,840 --> 00:50:14,320
Speaker 3: end of the day, when you do find yourself completely

1032
00:50:14,320 --> 00:50:16,879
Speaker 3: in a siloed doing things for yourself by yourself, that's

1033
00:50:16,880 --> 00:50:19,399
Speaker 3: where the frustration sets in that's when you don't see

1034
00:50:19,440 --> 00:50:20,560
Speaker 3: yourself making any progress.

1035
00:50:20,560 --> 00:50:23,400
Speaker 4: That's when you start to get negative and that negativity festers.

1036
00:50:23,840 --> 00:50:27,200
Speaker 3: It's like, nah, that's not that's not what brings It

1037
00:50:27,239 --> 00:50:29,680
Speaker 3: is not what brings peace. That's not good for your

1038
00:50:29,680 --> 00:50:33,040
Speaker 3: nervous system. Like that's not what Like that's why we

1039
00:50:33,040 --> 00:50:33,920
Speaker 3: have so much anxiety.

1040
00:50:34,080 --> 00:50:34,520
Speaker 1: Honestly.

1041
00:50:34,719 --> 00:50:37,279
Speaker 3: So I just I feel like I am with you

1042
00:50:37,320 --> 00:50:39,040
Speaker 3: on this, Mandy, if I want that model to like

1043
00:50:39,040 --> 00:50:41,239
Speaker 3: apply to all other aspects, all these other aspects of

1044
00:50:41,280 --> 00:50:44,080
Speaker 3: our life, to our finances, what the stuff we shop for,

1045
00:50:44,200 --> 00:50:47,160
Speaker 3: get groceries, like all this stuff, because I'm like, one

1046
00:50:47,160 --> 00:50:48,319
Speaker 3: of the biggest things I've been trying to do.

1047
00:50:48,360 --> 00:50:50,359
Speaker 4: Is reduce the plastic that I use.

1048
00:50:50,400 --> 00:50:51,719
Speaker 3: And it's so hard because every time I go to

1049
00:50:51,719 --> 00:50:55,560
Speaker 3: a supermarket, everything's in plastic, little kate little plastic things.

1050
00:50:56,200 --> 00:50:58,960
Speaker 3: Everything's bagged up, individual rat plastic, and I'm like, oh my.

1051
00:50:58,880 --> 00:51:01,800
Speaker 1: Gosh, it's hell about it. Europe too. I didn't realize.

1052
00:51:01,920 --> 00:51:02,920
Speaker 1: I didn't realize.

1053
00:51:03,040 --> 00:51:04,600
Speaker 2: Like even when I go to the grocery store, when

1054
00:51:04,600 --> 00:51:06,640
Speaker 2: I get produced, like you know, people put everything in

1055
00:51:06,640 --> 00:51:08,120
Speaker 2: a little back. I don't do that, Like I just

1056
00:51:08,160 --> 00:51:10,759
Speaker 2: group everything together and then I have a bad one.

1057
00:51:10,840 --> 00:51:14,360
Speaker 2: But everything in Europe is like package like that. But

1058
00:51:14,440 --> 00:51:16,359
Speaker 2: I don't know if you guys know, but there are

1059
00:51:16,520 --> 00:51:19,640
Speaker 2: these like like fire communities. I don't know if you

1060
00:51:19,680 --> 00:51:23,759
Speaker 2: guys follow, you know, the campi Fi Steven Bauer like

1061
00:51:23,880 --> 00:51:28,120
Speaker 2: he has created like these communities in like the Florida

1062
00:51:28,160 --> 00:51:32,600
Speaker 2: and Georgia areas where it's supposed to be a collective community.

1063
00:51:32,920 --> 00:51:37,200
Speaker 2: So you know, there's one community lawnmower, there's a community

1064
00:51:37,239 --> 00:51:40,920
Speaker 2: center that everybody goes to and shares everything and cooks

1065
00:51:40,960 --> 00:51:46,800
Speaker 2: mills together, you know, co opting parenting situations, co opting education,

1066
00:51:47,520 --> 00:51:50,400
Speaker 2: like all of these stuff. So these houses are built

1067
00:51:50,640 --> 00:51:54,319
Speaker 2: in a subdivision or they bought like a block, right,

1068
00:51:54,680 --> 00:51:58,400
Speaker 2: but everybody in there has this like covenant that this

1069
00:51:58,680 --> 00:52:01,919
Speaker 2: is a community and this is how and we are

1070
00:52:01,960 --> 00:52:07,239
Speaker 2: sharing in all of these resources. And it's very financially intentional,

1071
00:52:07,960 --> 00:52:14,560
Speaker 2: very community minded. It's not very diverse right now.

1072
00:52:14,960 --> 00:52:19,600
Speaker 1: But but it can be.

1073
00:52:19,960 --> 00:52:24,680
Speaker 6: It can be so, but it's just because we don't

1074
00:52:24,680 --> 00:52:26,839
Speaker 6: know what we don't know, right and so a lot

1075
00:52:26,880 --> 00:52:30,799
Speaker 6: of this stuff has been happening in other communities for

1076
00:52:30,880 --> 00:52:34,560
Speaker 6: a long long time, but unfortunately we haven't had access

1077
00:52:34,560 --> 00:52:35,440
Speaker 6: to that information.

1078
00:52:36,080 --> 00:52:39,440
Speaker 1: So you know, that's why our platforms exist. I can

1079
00:52:39,520 --> 00:52:42,680
Speaker 1: already hear people who are thinking, I've tried, but I

1080
00:52:42,680 --> 00:52:44,680
Speaker 1: don't have that kind of neighborhood. I don't have those

1081
00:52:44,760 --> 00:52:49,399
Speaker 1: kind of neighbors. What would y'all say to that, that

1082
00:52:49,480 --> 00:52:50,120
Speaker 1: fear or that.

1083
00:52:50,600 --> 00:52:54,359
Speaker 2: I guess always we always, you know, we're experts at

1084
00:52:54,400 --> 00:52:57,160
Speaker 2: the naysayers and the and the doubters and all that

1085
00:52:57,239 --> 00:52:59,480
Speaker 2: kind of stuff. I think it comes with the territory,

1086
00:53:00,040 --> 00:53:03,200
Speaker 2: But I think it's it's about exposure, right. The more

1087
00:53:03,280 --> 00:53:06,759
Speaker 2: you see something normalized by people who look like you

1088
00:53:07,160 --> 00:53:10,319
Speaker 2: or have shared experiences as you, the more you know

1089
00:53:10,400 --> 00:53:12,719
Speaker 2: it's possible. So we just got to keep on leaning

1090
00:53:12,760 --> 00:53:15,560
Speaker 2: into these messages and keep on sharing, like we share.

1091
00:53:15,800 --> 00:53:18,400
Speaker 1: So that people know that they can do that.

1092
00:53:19,000 --> 00:53:21,840
Speaker 2: And I always share my story to the fullest, Like

1093
00:53:21,960 --> 00:53:25,880
Speaker 2: you can hear about my divorce, my bankruptcies, my foreclosures,

1094
00:53:25,880 --> 00:53:30,160
Speaker 2: my failures, my domestic violence, like all that kind of stuff,

1095
00:53:30,760 --> 00:53:38,280
Speaker 2: and say like if she could do and shit, yeah, yeah.

1096
00:53:38,120 --> 00:53:40,840
Speaker 1: You know the body that you didn't promote because it

1097
00:53:40,880 --> 00:53:43,759
Speaker 1: was so traumatic. See, it doesn't have all of that

1098
00:53:43,800 --> 00:53:45,040
Speaker 1: stuff in there, so you.

1099
00:53:45,000 --> 00:53:48,600
Speaker 2: Know, oh wait, yeah, we're gonna we're gonna write that

1100
00:53:48,680 --> 00:53:52,359
Speaker 2: book you Gotta bring Coffy reds Foot Feminism by Niki Kind.

1101
00:53:52,520 --> 00:53:55,120
Speaker 1: No, no, no, no, I'm gonna. Oh, I think you'd

1102
00:53:55,200 --> 00:53:55,799
Speaker 1: like it a lot.

1103
00:53:55,920 --> 00:53:59,560
Speaker 3: Yeah, so important because it does address all like it's

1104
00:53:59,600 --> 00:54:03,000
Speaker 3: a disc service to only post what you've accomplished and

1105
00:54:03,040 --> 00:54:05,560
Speaker 3: not all the adversity that you had to overcome to

1106
00:54:06,040 --> 00:54:07,759
Speaker 3: be to be a success.

1107
00:54:07,440 --> 00:54:08,920
Speaker 4: Story, because at the end of the day, it makes

1108
00:54:08,960 --> 00:54:10,799
Speaker 4: everybody think, oh, Okay, here's a goodie, go to app

1109
00:54:11,040 --> 00:54:11,880
Speaker 4: No it's not.

1110
00:54:12,120 --> 00:54:15,040
Speaker 3: It's not that, And that's the only way to actually

1111
00:54:15,040 --> 00:54:16,760
Speaker 3: do it in a way that serves everybody who watches

1112
00:54:16,800 --> 00:54:18,640
Speaker 3: your content to know the real deal, to know what

1113
00:54:18,760 --> 00:54:21,560
Speaker 3: actually happened and the whole picture, not.

1114
00:54:21,640 --> 00:54:24,840
Speaker 4: Just the social media pretty parts, right, because that's that's important.

1115
00:54:25,120 --> 00:54:26,840
Speaker 3: But I really, honestly, I do feel like if you

1116
00:54:26,880 --> 00:54:28,680
Speaker 3: live in an area that's not really like, that's not

1117
00:54:28,719 --> 00:54:31,520
Speaker 3: designed like that, just go a little bit further out,

1118
00:54:31,680 --> 00:54:34,960
Speaker 3: like it's for example, in Brooklyn, like where I grew up. Honestly,

1119
00:54:34,960 --> 00:54:37,000
Speaker 3: I'm not gonna lie in Bushwick. It probably wouldn't have

1120
00:54:37,000 --> 00:54:40,600
Speaker 3: worked necessarily unless it was a very specific group of

1121
00:54:40,680 --> 00:54:43,959
Speaker 3: like families, because once I started growing up Bushwick started

1122
00:54:44,040 --> 00:54:47,040
Speaker 3: changing so much and gentrification hit hard. So I would

1123
00:54:47,080 --> 00:54:49,080
Speaker 3: see people and then like a couple months later, they

1124
00:54:49,080 --> 00:54:49,960
Speaker 3: wouldn't live there anymore.

1125
00:54:50,000 --> 00:54:51,520
Speaker 4: I'd be like, wait, what's going on? All they sold?

1126
00:54:51,640 --> 00:54:53,600
Speaker 4: They left? Oh there's you know this new business took over.

1127
00:54:53,640 --> 00:54:56,400
Speaker 3: The bodega is now a bakery. And it's like it

1128
00:54:56,400 --> 00:54:58,200
Speaker 3: would change so fast it was hard to get a

1129
00:54:58,239 --> 00:55:00,799
Speaker 3: sense of like that community. I still feel like if

1130
00:55:00,840 --> 00:55:03,120
Speaker 3: you go a little bit further out, like five Boroughs.

1131
00:55:03,280 --> 00:55:05,759
Speaker 3: While it's a little far to go from Brooklyn to

1132
00:55:05,800 --> 00:55:10,160
Speaker 3: the Bronx or whatever, even that is enough to find

1133
00:55:10,360 --> 00:55:12,880
Speaker 3: people that are serious about Like if it's a Facebook

1134
00:55:12,920 --> 00:55:16,040
Speaker 3: group for like the Five Boroughs no spend, like you know,

1135
00:55:16,600 --> 00:55:20,839
Speaker 3: no trying to like do no spend where like oh,

1136
00:55:20,920 --> 00:55:24,799
Speaker 3: you know, we have this uh stroller, our babies doesn't

1137
00:55:24,840 --> 00:55:28,120
Speaker 3: need it anymore instead of like you know, putting it,

1138
00:55:28,280 --> 00:55:30,320
Speaker 3: throwing it outside or putting it in the garage.

1139
00:55:30,400 --> 00:55:35,360
Speaker 2: Like yeah, the buy the buy nothing groups, that's huge.

1140
00:55:35,400 --> 00:55:35,520
Speaker 4: Way.

1141
00:55:36,520 --> 00:55:38,879
Speaker 3: My brother's wife, my sister in law, she recently joined

1142
00:55:38,880 --> 00:55:41,040
Speaker 3: the buy nothing group for the Five Boroughs and she's like,

1143
00:55:41,080 --> 00:55:43,840
Speaker 3: you don't understand, this is amazing. Little things, little things

1144
00:55:43,920 --> 00:55:47,040
Speaker 3: like a little toy that she saw on there. There

1145
00:55:47,120 --> 00:55:49,040
Speaker 3: was like anybody who can come by and pick it

1146
00:55:49,120 --> 00:55:50,280
Speaker 3: up is yours.

1147
00:55:50,440 --> 00:55:55,239
Speaker 2: I just got bikes, I've gotten everything, bikes, strollers, and

1148
00:55:55,280 --> 00:55:57,920
Speaker 2: I've given away the same thing, like and then you

1149
00:55:58,120 --> 00:56:00,680
Speaker 2: I find somebody that like pass down my kids clothes

1150
00:56:00,680 --> 00:56:04,399
Speaker 2: to like that means everything versus.

1151
00:56:03,840 --> 00:56:06,279
Speaker 1: Like giving stuff to the good will, Like.

1152
00:56:06,440 --> 00:56:08,200
Speaker 4: Right, it's a girl.

1153
00:56:08,480 --> 00:56:11,040
Speaker 3: A lot of my sisters, they all of my sisters

1154
00:56:11,040 --> 00:56:13,680
Speaker 3: have children except for me, every single one of them.

1155
00:56:13,840 --> 00:56:16,440
Speaker 3: When they've gone through the process, they will bag up

1156
00:56:16,480 --> 00:56:19,520
Speaker 3: all the clothes from their youngest and pass it down

1157
00:56:19,560 --> 00:56:21,680
Speaker 3: to the next sister who just had a baby, so

1158
00:56:21,920 --> 00:56:23,759
Speaker 3: that there's not this constant we have to go out

1159
00:56:23,760 --> 00:56:26,279
Speaker 3: and buy a whole bunch of new stuff for this baby,

1160
00:56:26,320 --> 00:56:27,919
Speaker 3: a whole bunch of It's been a lot of hand

1161
00:56:27,960 --> 00:56:30,359
Speaker 3: me down stuff. And I feel like there's sometimes when

1162
00:56:30,360 --> 00:56:34,520
Speaker 3: I'm in certain certain environments, bougier kind of groups, there's

1163
00:56:34,560 --> 00:56:37,640
Speaker 3: this ick, like it gives them this ick to think like, oh, no,

1164
00:56:37,640 --> 00:56:42,040
Speaker 3: I'm buying my my stuff new. I don't know, child,

1165
00:56:42,360 --> 00:56:43,560
Speaker 3: that's what they want you.

1166
00:56:43,560 --> 00:56:46,479
Speaker 2: To wash your machines, Like those clothes are probably cleaning

1167
00:56:46,520 --> 00:56:48,480
Speaker 2: and the clothes you're getting off the rack, honey.

1168
00:56:48,680 --> 00:56:50,560
Speaker 3: But that's also how they want us to think, because

1169
00:56:51,360 --> 00:56:54,680
Speaker 3: that way, the more Amazon prevails, the more the more new,

1170
00:56:54,719 --> 00:56:57,440
Speaker 3: brand new new stuff, and it's so bad for us

1171
00:56:57,440 --> 00:56:58,280
Speaker 3: in so many ways.

1172
00:56:58,320 --> 00:56:59,759
Speaker 4: So I just feel like the more we.

1173
00:56:59,760 --> 00:57:02,319
Speaker 3: Can go in the opposite direction, the better it is

1174
00:57:02,360 --> 00:57:04,239
Speaker 3: for us in all these aspects of our lives that

1175
00:57:04,239 --> 00:57:07,600
Speaker 3: we're talking about, right, like the environment, your finances, your

1176
00:57:07,640 --> 00:57:10,400
Speaker 3: mental health, your feeling of connectedness to your community.

1177
00:57:10,400 --> 00:57:12,759
Speaker 4: There's so many things. Just that small interaction.

1178
00:57:12,960 --> 00:57:13,080
Speaker 1: Right.

1179
00:57:13,160 --> 00:57:14,840
Speaker 3: My sister in law was telling me she left school

1180
00:57:15,239 --> 00:57:18,440
Speaker 3: and she routed her drive back home to stop along

1181
00:57:18,480 --> 00:57:20,120
Speaker 3: the way at the house of this woman and the

1182
00:57:20,120 --> 00:57:21,720
Speaker 3: buy nothing group where she could pick up the little

1183
00:57:21,760 --> 00:57:24,120
Speaker 3: toy for the baby. And when she stopped by, she

1184
00:57:24,160 --> 00:57:26,160
Speaker 3: had a quick, just a ten minute chat with this woman.

1185
00:57:26,480 --> 00:57:28,920
Speaker 3: They had a cute little conversation. She got the toy,

1186
00:57:29,080 --> 00:57:31,640
Speaker 3: she was like, thank you so much, and that little thing,

1187
00:57:31,800 --> 00:57:34,360
Speaker 3: just like that little interaction that normally wouldn't happen, she

1188
00:57:34,360 --> 00:57:36,880
Speaker 3: would just go straight home, right, It just uplifted her spirit.

1189
00:57:36,880 --> 00:57:38,600
Speaker 3: That day was so much better. She made a connection.

1190
00:57:38,680 --> 00:57:40,600
Speaker 3: She met this woman. She stopped on a different route

1191
00:57:40,600 --> 00:57:42,600
Speaker 3: on the way home, like These are the tiny little

1192
00:57:42,640 --> 00:57:45,800
Speaker 3: things throughout life that cause life can just get so grueling.

1193
00:57:45,880 --> 00:57:47,760
Speaker 4: It's like day in and day out them and not

1194
00:57:47,880 --> 00:57:50,320
Speaker 4: any of it. Oh and then we get so unhappy.

1195
00:57:50,840 --> 00:57:53,320
Speaker 3: And these tiny little things to change up your day

1196
00:57:53,680 --> 00:57:57,040
Speaker 3: can make a big difference on how your mindset, like

1197
00:57:57,160 --> 00:57:59,000
Speaker 3: how you start to feel, how you think, and it's

1198
00:57:59,040 --> 00:58:01,680
Speaker 3: all up here of course, but just even just that joy, bro,

1199
00:58:01,760 --> 00:58:03,040
Speaker 3: we need a little bit of that joy back in

1200
00:58:03,080 --> 00:58:03,560
Speaker 3: our lives.

1201
00:58:03,840 --> 00:58:08,640
Speaker 1: Mm hmm. Amen. Well, I think that's a wonderful message

1202
00:58:08,720 --> 00:58:10,439
Speaker 1: for be a fan. Like I want to hear about

1203
00:58:10,480 --> 00:58:13,840
Speaker 1: your community gardens. I mean, like also your struggle gardens,

1204
00:58:13,840 --> 00:58:16,520
Speaker 1: because I think the real real like me, And what

1205
00:58:16,720 --> 00:58:19,440
Speaker 1: no I spoke about with Mickey was like how people

1206
00:58:19,480 --> 00:58:22,000
Speaker 1: want perfection in their communities, like even you, you know,

1207
00:58:22,080 --> 00:58:25,720
Speaker 1: put the asterisk with the campfire, dude, and like you

1208
00:58:25,760 --> 00:58:29,080
Speaker 1: know it not being diverse listen, like it's going to

1209
00:58:29,120 --> 00:58:33,280
Speaker 1: be imperfection everywhere while we try to figure it out.

1210
00:58:33,360 --> 00:58:36,800
Speaker 1: And you know, I think conflict is gonna come with

1211
00:58:37,120 --> 00:58:41,160
Speaker 1: I think, you know, interpersonal conflict, Like we're all gonna

1212
00:58:41,200 --> 00:58:43,240
Speaker 1: get the more we lean into community, the more we're

1213
00:58:43,280 --> 00:58:45,560
Speaker 1: gonna have to anticipate there's gonna be conflict. We're gonna

1214
00:58:45,560 --> 00:58:48,160
Speaker 1: have to get through things together and learn how to.

1215
00:58:48,200 --> 00:58:52,040
Speaker 1: And I think that that friction is what people have become.

1216
00:58:52,960 --> 00:58:55,720
Speaker 1: It's not even about like the money sometimes or you know,

1217
00:58:56,200 --> 00:58:58,120
Speaker 1: it's like, oh, I don't want it to deal with people.

1218
00:58:58,640 --> 00:59:01,479
Speaker 1: I don't want to and like what if people are

1219
00:59:01,560 --> 00:59:04,240
Speaker 1: like what if they are inconvenient to me? But I

1220
00:59:04,280 --> 00:59:07,120
Speaker 1: think that's a muscle that we need to be working

1221
00:59:07,400 --> 00:59:11,880
Speaker 1: like that is what community is putting yourself maybe a

1222
00:59:11,920 --> 00:59:13,920
Speaker 1: little bit out of your way or out of you know,

1223
00:59:14,200 --> 00:59:16,760
Speaker 1: doing something inconvenient for the good of the community. And

1224
00:59:16,800 --> 00:59:21,760
Speaker 1: that's like a mentality anti consumerism to me that I'm

1225
00:59:21,800 --> 00:59:24,680
Speaker 1: excited to like model for my kids and for myself.

1226
00:59:24,720 --> 00:59:26,880
Speaker 1: And I'll keep you out posted on the garden and

1227
00:59:26,880 --> 00:59:28,920
Speaker 1: we'll let you know how it goes. If you'll be

1228
00:59:28,960 --> 00:59:32,240
Speaker 1: like we're fighting over the tomato hall, like who knows right?

1229
00:59:32,680 --> 00:59:34,840
Speaker 1: If well Kanie messes up the corn, we're all gonna

1230
00:59:34,840 --> 00:59:36,720
Speaker 1: like ouster, I'm getting it'll be fine.

1231
00:59:39,200 --> 00:59:41,680
Speaker 3: But they use the model too, because like I do

1232
00:59:41,760 --> 00:59:44,440
Speaker 3: feel like we have the model interacting with other humans

1233
00:59:44,440 --> 00:59:46,880
Speaker 3: that we don't you know, like yeah, kids nowadays is

1234
00:59:47,000 --> 00:59:49,320
Speaker 3: so stuck to the iPad. It will stuck to the phones.

1235
00:59:48,960 --> 00:59:51,160
Speaker 1: Like they don't know how to interact out.

1236
00:59:51,120 --> 00:59:53,480
Speaker 4: And interact with other people. Your child will see you

1237
00:59:53,640 --> 00:59:54,000
Speaker 4: doing that.

1238
00:59:54,240 --> 00:59:57,760
Speaker 2: All this is I ill myself to interact for twelve

1239
00:59:57,760 --> 00:59:58,560
Speaker 2: hours in the car.

1240
01:00:00,880 --> 01:00:03,520
Speaker 1: I admire you. I'm gonna clap let's clap it up

1241
01:00:03,560 --> 01:00:09,360
Speaker 1: for that girl. It was a tour de force. But

1242
01:00:09,360 --> 01:00:11,000
Speaker 1: by the end of it, my little five year old

1243
01:00:11,000 --> 01:00:14,760
Speaker 1: he was reading books by himself and continuing that, like,

1244
01:00:15,200 --> 01:00:18,040
Speaker 1: it really does make all the difference. It's so goddamn hard.

1245
01:00:18,080 --> 01:00:20,200
Speaker 1: But I also feel like, well, I didn't have these kids,

1246
01:00:20,200 --> 01:00:20,880
Speaker 1: so it's up to me.

1247
01:00:21,240 --> 01:00:24,680
Speaker 3: But also you didn't have I've had when you were

1248
01:00:24,720 --> 01:00:26,400
Speaker 3: five years old in the car with mom and dad.

1249
01:00:26,320 --> 01:00:28,240
Speaker 1: Like I used to spend a lot of time with them,

1250
01:00:28,240 --> 01:00:30,080
Speaker 1: Giga pets, though they only did like three things what

1251
01:00:30,160 --> 01:00:37,920
Speaker 1: I could think. They got the Pokemon game Boy. I'm

1252
01:00:37,960 --> 01:00:39,919
Speaker 1: like that had like one level. But I was sad.

1253
01:00:42,840 --> 01:00:44,560
Speaker 3: But we got to go back to all that. Listen,

1254
01:00:44,640 --> 01:00:48,120
Speaker 3: the simplicity of it having in the car, having books car.

1255
01:00:49,280 --> 01:00:51,160
Speaker 4: We can do it, y'all, we can can't.

1256
01:00:51,160 --> 01:00:54,160
Speaker 1: We can do it, but you know, for the emergency

1257
01:00:54,160 --> 01:00:55,760
Speaker 1: times you keep those headphones in the ema and you

1258
01:00:55,800 --> 01:01:02,040
Speaker 1: keep them ready for the car in the car all rights.

1259
01:01:02,080 --> 01:01:04,120
Speaker 1: Thank y'all so much for joining me on the brown

1260
01:01:04,160 --> 01:01:07,040
Speaker 1: table today. Thanks for getting me out of my book cave.

1261
01:01:07,200 --> 01:01:08,360
Speaker 1: I'm about to go back in it.

1262
01:01:09,080 --> 01:01:11,120
Speaker 2: The clock is ticking, so I got to pick up

1263
01:01:11,120 --> 01:01:14,040
Speaker 2: those children. This girl's two forty.

1264
01:01:14,080 --> 01:01:15,760
Speaker 1: I gotta have the rest of the manuscript done in

1265
01:01:15,800 --> 01:01:18,720
Speaker 1: two point one hour or so. Oh, let's go. You

1266
01:01:19,320 --> 01:01:24,520
Speaker 1: got this, you got it. I'll eat later, all right,

1267
01:01:24,520 --> 01:01:26,840
Speaker 1: ba fam. Until next time, please stay tuned for all

1268
01:01:26,880 --> 01:01:30,680
Speaker 1: the fun content that I'm planning for mental health May

1269
01:01:31,080 --> 01:01:33,800
Speaker 1: and yeah, just thank y'all. Where can they find y'all?

1270
01:01:33,840 --> 01:01:36,360
Speaker 1: Y'a Ellie and Nsima? Where are you at?

1271
01:01:36,920 --> 01:01:37,960
Speaker 4: I'm helpful?

1272
01:01:38,040 --> 01:01:40,919
Speaker 3: Am I sspe helpful? And you can get a both

1273
01:01:40,960 --> 01:01:42,320
Speaker 3: mind your money book dot com?

1274
01:01:43,280 --> 01:01:47,840
Speaker 2: Yay, yes, and I am at financially intentional. We'lltly on Instagram,

1275
01:01:48,000 --> 01:01:51,880
Speaker 2: but look up Nesima, google me, you'll find me.

1276
01:01:53,160 --> 01:01:55,600
Speaker 1: You have a future. I feel like and like like

1277
01:01:56,080 --> 01:01:57,280
Speaker 1: voiceover work. I feel like you.

1278
01:01:57,560 --> 01:01:59,480
Speaker 3: That's that's good, that's so true.

1279
01:01:59,680 --> 01:01:59,920
Speaker 4: You have.

1280
01:02:02,320 --> 01:02:07,240
Speaker 1: AI now like close my eyes because it's twelve different people.

1281
01:02:07,880 --> 01:02:11,000
Speaker 2: You could Trindy Garden, Inky Garden all right, you go

1282
01:02:11,120 --> 01:02:12,160
Speaker 2: have the good time that sinners.

1283
01:02:12,200 --> 01:02:13,480
Speaker 1: I want to know what happened. I want to know

1284
01:02:13,520 --> 01:02:17,240
Speaker 1: how you like it? Oh, yes, for sure? All right

1285
01:02:18,120 --> 01:02:23,200
Speaker 1: bye everybody, Okay va fam, Thank you so much for

1286
01:02:23,320 --> 01:02:25,720
Speaker 1: listening to this week's show. I want to shout out

1287
01:02:25,760 --> 01:02:30,520
Speaker 1: to our production team, Courtney, our editor, Carla, our fearless

1288
01:02:30,600 --> 01:02:34,200
Speaker 1: leader for idea to launch productions. I want to shout

1289
01:02:34,200 --> 01:02:39,000
Speaker 1: out my assistant Lauda Escalante and Cameron McNair for helping

1290
01:02:39,040 --> 01:02:41,720
Speaker 1: me put the show together. It is not a one

1291
01:02:41,760 --> 01:02:44,919
Speaker 1: person project, as much as I have tried to make

1292
01:02:44,960 --> 01:02:48,120
Speaker 1: it so these past ten years. I need help, y'all,

1293
01:02:48,520 --> 01:02:50,760
Speaker 1: and thank goodness I've been able to put this team

1294
01:02:50,880 --> 01:02:53,640
Speaker 1: around me to support me on this journey and to

1295
01:02:53,800 --> 01:02:56,200
Speaker 1: y'all be a fam. I love you so so so

1296
01:02:56,240 --> 01:02:59,720
Speaker 1: so much. Please rate, review, subscribe, make sure you're sign

1297
01:02:59,800 --> 01:03:02,320
Speaker 1: up to newsletter to get all the latest updates on

1298
01:03:02,440 --> 01:03:07,640
Speaker 1: upcoming episodes, our tenth year anniversary celebrations to come, and

1299
01:03:07,960 --> 01:03:11,200
Speaker 1: until next time, talk to you soon. Ba bye