WEBVTT - How to Tackle Student Loans, Build Wealth, and Still Breathe Easy

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<v Speaker 1>A student loan? What are we calling it beginning May fifth?

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<v Speaker 1>If you have been on default on your loans, like

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<v Speaker 1>it's going to show up on your credit report. When

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<v Speaker 1>you look at the populations that are going to be

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

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<v Speaker 2>But my what I'm confused about is is their Department

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<v Speaker 2>of Education still.

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<v Speaker 1>Over this?

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<v Speaker 3>Yes, it keeps saying that the partner of Education is going

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<v Speaker 3>to start collection starting my fifth I'm.

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<v Speaker 2>Like, what the head of the doe is? The is

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<v Speaker 2>the wrestling lady? That's ok?

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<v Speaker 1>Even hey, the a fan, Welcome to the Brown table.

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<v Speaker 1>We haven't had one of these in a minute. It

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<v Speaker 1>feels like I've been over here just interviewing people I've

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<v Speaker 1>been in like my you know, my podcast host back,

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<v Speaker 1>just getting incredible thought leaders. I do have a couple

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<v Speaker 1>of do you you know, going on iconic radio stations

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<v Speaker 1>and such like that, like so like that. No, but

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<v Speaker 1>I've been preparing very hard for Mental Health Awareness Month,

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

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<v Speaker 1>these like months like they can be a little you know,

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<v Speaker 1>lip service, corny whatever. But because I have had such

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<v Speaker 1>a pivotal year in my own mental health journey this

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<v Speaker 1>past year. So I'm kind of celebrating the year of

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<v Speaker 1>me saying yes to my mental health resources and like

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<v Speaker 1>seeing such you know, great progress. I said, let me

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<v Speaker 1>put together some shows where we can really like look

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<v Speaker 1>at the link between our mindset and our finances, which

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<v Speaker 1>is such an obvious like they're on the same path

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<v Speaker 1>in my mind. Right, So I got some good.

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<v Speaker 3>Pay attention enough I feel like to that, like we'll

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<v Speaker 3>say it over and over and over again, but people

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<v Speaker 3>still want to skip to Okay, so how do I

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<v Speaker 3>get my credit?

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<v Speaker 4>Right's exactly.

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<v Speaker 1>Yeah. It's also the hardest thing to coach people in.

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<v Speaker 1>So I've got I'm going to talk to Aga Evans,

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<v Speaker 1>who's a financial therapist. You know that's my boom.

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<v Speaker 2>So okay, good because when I name dropped somebody on

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

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<v Speaker 1>Way, soon to be cousin.

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<v Speaker 2>She marrying your kid, no having your baby, never mine?

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<v Speaker 1>Okay, long time was here. We did get a little

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<v Speaker 1>bit of t out of her about her dating life right.

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<v Speaker 4>Along the way, like we're supposed to call over her

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<v Speaker 4>little trail.

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<v Speaker 1>Of the uncertainty is not good for my mental health. Okay,

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<v Speaker 1>so let me just keep moving. Asia, who is the

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<v Speaker 1>author of a book that I can't remember the name.

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<v Speaker 1>You're gonna have it right finance. Well look at there

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<v Speaker 1>we go that you. I mean, it's almost like we

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<v Speaker 1>did not plan that. We did not I just literally

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<v Speaker 1>have to sit in here. That's when I know I

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<v Speaker 1>pick a good one.

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<v Speaker 4>She's oh good.

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<v Speaker 1>I've got Asia coming on to Like I did a

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<v Speaker 1>poll on my on brown Ambition's ig just asking folks,

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<v Speaker 1>like what kinds of questions are you having? What's what's

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<v Speaker 1>really like keeping you up at night? So we go

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<v Speaker 1>and talk about that. I've also got unessima. I told

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<v Speaker 1>you I was going to talk to doctor j Blackstock.

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<v Speaker 2>Yeah and yeah, and Ellie, I know you'd be excited

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<v Speaker 2>about that too.

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<v Speaker 4>Yay, Yeah, give me so.

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<v Speaker 1>Yeah. So those who don't know she wrote this New

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<v Speaker 1>York Times bestselling book a year ago called Legacy A

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<v Speaker 1>Black Physician Reckons with Racism and Medicare Medicine. I almost

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<v Speaker 1>did it. I almost remember the whole title. You the

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<v Speaker 1>Good So I interviewed her along with doctor Jessica M. Shepherd,

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<v Speaker 1>who is a menopause and obg YA expert from the

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<v Speaker 1>West post. So we're getting into that interview ended up

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<v Speaker 1>being more about like their mental health because they are

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<v Speaker 1>two such incredible advocates for us, so I wanted to

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<v Speaker 1>like get real with them about and they are both

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<v Speaker 1>like doctor Blackstock is talking about how these you know,

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<v Speaker 1>this huge effort to undo DEI across America. It's impacting

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<v Speaker 1>her business because she's not a practicing physician anymore. She

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<v Speaker 1>has it's a well, it's a consultancy firm, so she

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<v Speaker 1>gets paid to speak and you know, do DEI trainings

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<v Speaker 1>and things like that. So we get into that. It's

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<v Speaker 1>a really good one. I've got the author of Black

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<v Speaker 1>Girls Breathing.

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<v Speaker 2>Jasmine Marine, so she and I So Black Girls Breathing

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<v Speaker 2>is all about she actually runs this incredible network of

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<v Speaker 2>breathwork specialists and she trains them.

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<v Speaker 1>And we're going to talk about how breath work, which

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<v Speaker 1>has become a really crucial part of my mental health journey.

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

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<v Speaker 1>So she's gonna we do a breath work exercise.

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<v Speaker 2>She talks about like how it's helping you know, like

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<v Speaker 2>we talk about how how do you like get to

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<v Speaker 2>the root of your like your mental health challenges and

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<v Speaker 2>how it could impact your finances. And it ain't got

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<v Speaker 2>nothing to do with the calculator all, you know, sometimes.

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<v Speaker 1>Like your budget, so we get into that and what else.

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<v Speaker 1>I have so much good stuff. But those are just

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<v Speaker 1>a few episodes. So stay tuned b A for all

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<v Speaker 1>of May. We're kicking off this Friday. When you listen

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

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<v Speaker 1>Month of Mental Health and joy and fun.

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<v Speaker 4>I love that. That's amazing.

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

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<v Speaker 1>and Nasima? We haven't seen you since February when you

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<v Speaker 1>joined the Brown Table. I know, I know, got cuter,

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<v Speaker 1>if that's possible.

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<v Speaker 2>Oh, it's it's the headphones that are really doing it,

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<v Speaker 2>you know.

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<v Speaker 1>Yeah, I feel like they're bringing out something.

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<v Speaker 2>These are my two year olds, by the way, but

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<v Speaker 2>so starning stuff coming down the line. Like I was

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<v Speaker 2>telling you before we started recording, I am going to

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<v Speaker 2>try to navigate a little mini retirement, which I won't

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<v Speaker 2>fully pull away from work, but I definitely won't be

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<v Speaker 2>working as much. More like working, going from working three

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<v Speaker 2>to five days a week to maybe six or five

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<v Speaker 2>or six days a month and navigating that to focus

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<v Speaker 2>on my family and maybe world schooling my kids, and

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<v Speaker 2>what that looks like is you know, using the world

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<v Speaker 2>as your classroom. So for example, a couple of years ago,

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<v Speaker 2>we went to London and you know, we went to

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<v Speaker 2>the British Museum and we talked about the British Museum

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<v Speaker 2>and all the things in the museum and the artifacts

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<v Speaker 2>where they come from. But also it was very interesting

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<v Speaker 2>while we were there the British Museum was robbed of

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<v Speaker 2>a lot of the artifacts, and then we can talk

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<v Speaker 2>about like, well, yes, well actually they stole all that

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<v Speaker 2>stuff anyway, so it's true people getting this stuff back

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<v Speaker 2>and then what that meant and you know, so like

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<v Speaker 2>doing things like that more interact black panther, I know

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<v Speaker 2>what you're talking about exactly, and you know as appropriately,

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<v Speaker 2>no not you wear the black panther. Oh that's the

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<v Speaker 2>real black panther, you know, you know, but it's just

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<v Speaker 2>about me representing you know, anything that says Oakland on it.

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<v Speaker 2>But my dad was a panther ironically, so yeah, wait,

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<v Speaker 2>so remind the b a fan. So you are a

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

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<v Speaker 2>a labor and delivery nurse my trade. Yes, I deliver babies.

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<v Speaker 1>You know. My when I had my baby a couple

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<v Speaker 1>of years ago, the nurse who saved day as me

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<v Speaker 1>the same day as you.

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

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<v Speaker 2>twin babies, so the same day as you.

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<v Speaker 1>I had one of those those like minim what did

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<v Speaker 1>you call it, mini retirement? I had a mini retired

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<v Speaker 1>nurse who was incredible nurse.

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<v Speaker 2>She's like, oh, that's like twice a month, and I

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<v Speaker 2>just happened to the per day and I was so

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<v Speaker 2>happy because she was the best exactly.

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<v Speaker 1>And you come to work like so happy to be.

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<v Speaker 2>There, like we love what we do. But the burnout

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<v Speaker 2>is really real. Yeah, the job stress is real. So yeah,

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<v Speaker 2>I just saw.

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<v Speaker 3>The study that said that the highest trusted profession in

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<v Speaker 3>the United States is a nurse. Yeah, when you burn out,

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<v Speaker 3>it's you know, that's why people have so much trust

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<v Speaker 3>in nurses. You go above and beyond your working so hard,

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<v Speaker 3>crazy hours, and when you have a good nurse, it

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<v Speaker 3>makes the.

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<v Speaker 4>Entire hospital experience so different. So it makes sense.

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<v Speaker 2>But yes, that burnout, Yeah, it definitely makes her break

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<v Speaker 2>a hospital experience, and especially in labor and delivery, where

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<v Speaker 2>you never forget right when you have a baby. Yeah,

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<v Speaker 2>I mean you're also such so much more than that.

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<v Speaker 2>You have four baby girls.

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<v Speaker 1>I have three. Okay, I'm sorry, I'm sorry, unmanifest which

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

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

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<v Speaker 1>I just love I love seeing how you have invested

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<v Speaker 1>for their futures and got some six figure naires already already. Yeah,

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<v Speaker 1>so what's that going to look like? So then are

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<v Speaker 1>you living off the have you been investing in savings?

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<v Speaker 1>So you're gonna like partially live off of that, and

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<v Speaker 1>then whatever income you get from financially intentional exactly exactly,

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<v Speaker 1>and then maybe a little bit of commingling of funds,

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<v Speaker 1>like combining some funds and you know, just some.

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<v Speaker 2>Very special person with with who escalated February.

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

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<v Speaker 1>to be here. Are you engaged?

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<v Speaker 2>No?

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<v Speaker 1>Not yet?

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<v Speaker 4>Oh say wait a minute, I'm cool.

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<v Speaker 1>You're cool. Although Ellie, I know I look like a

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<v Speaker 1>news anchor, but my I disassembled my mic stand and

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<v Speaker 1>this is just how it's going to.

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<v Speaker 4>Be, reporting live, making it work.

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<v Speaker 3>Yeah, I'm so happy for you to hear that, because

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<v Speaker 3>I just feel like that is the number one reason

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<v Speaker 3>why high achieving women step away is burnout.

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<v Speaker 4>You pour so much into the work we do.

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<v Speaker 3>So like the fact that you're figuring out a way

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<v Speaker 3>to still do what you love, still make that impact,

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<v Speaker 3>still do the work, but do it in a way

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

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<v Speaker 4>I love it.

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<v Speaker 2>And also to be able to spend time with my kids,

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<v Speaker 2>who I actually really like, I really enjoy them, and

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<v Speaker 2>like I'm never First of all, I never even wanted

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

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<v Speaker 2>and I know I'll be looking at them like where

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<v Speaker 2>the hell these kids?

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<v Speaker 1>I am?

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

0:11:14.320 --> 0:11:19.880
<v Speaker 2>I am my past selves nightmare baby man, who would

0:11:19.920 --> 0:11:26.160
<v Speaker 2>be appholled We live where DJ's does the excursion of

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<v Speaker 2>the week, like we like the babies.

0:11:31.679 --> 0:11:32.720
<v Speaker 1>But it's true though.

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<v Speaker 3>Because the kids this is the age, like, this is

0:11:35.679 --> 0:11:39.040
<v Speaker 3>the age that makes all of they are so impressionable.

0:11:39.160 --> 0:11:41.880
<v Speaker 4>At this age, this is the age that you.

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<v Speaker 3>Enjoy most and remember most this that young age, Like

0:11:44.960 --> 0:11:48.000
<v Speaker 3>I remember my thought. My memory is always with my

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<v Speaker 3>mom because my dad was always working. He will only

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<v Speaker 3>be home one day week, and that one day that

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<v Speaker 3>he was home not working, of course, he was sleeping

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<v Speaker 3>all day because he's exhausted. So I feel like I

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<v Speaker 3>don't have childhood early memories of like my dad being

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<v Speaker 3>that playful dad that he is now as a granddad,

0:12:02.640 --> 0:12:04.600
<v Speaker 3>I see him as an a whelo with with my

0:12:04.640 --> 0:12:07.040
<v Speaker 3>niece and nephews, how he is with them. I'm like, oh,

0:12:07.080 --> 0:12:08.920
<v Speaker 3>you know, I never got that experience with him as

0:12:08.920 --> 0:12:11.839
<v Speaker 3>a dad because he was always working right just to

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<v Speaker 3>get of them table. So for you to be able

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<v Speaker 3>to step away for that reason, to be like no, no,

0:12:15.600 --> 0:12:19.200
<v Speaker 3>my girls are gonna remember me this way, it's like beful.

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<v Speaker 3>That is what all of our ancestors have wanted for us,

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<v Speaker 3>I'm sure forever because it's a beautiful thing.

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<v Speaker 4>It's such a gift.

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<v Speaker 2>Yeah, I'm excited about it.

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<v Speaker 1>So what's the timeline for this many retirement.

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<v Speaker 2>Well, I'm figuring that out, hopefully within the next couple

0:12:36.559 --> 0:12:38.880
<v Speaker 2>of months. Like I was telling you, if you guys

0:12:38.920 --> 0:12:42.440
<v Speaker 2>don't know who Jillian Geschard is, I mean Jillian John's route.

0:12:42.480 --> 0:12:43.400
<v Speaker 1>I used to say her name.

0:12:43.760 --> 0:12:48.160
<v Speaker 2>Jillian John's Root is author of Retire Often, which is

0:12:48.200 --> 0:12:51.000
<v Speaker 2>coming out in September. It's not a plug, but she

0:12:51.080 --> 0:12:54.720
<v Speaker 2>has a retire Often podcast and she's retired several times

0:12:54.720 --> 0:12:59.240
<v Speaker 2>and coaches people through it and so just figuring things

0:12:59.320 --> 0:13:03.880
<v Speaker 2>outgos with her. Initially it was gonna be June, which

0:13:03.960 --> 0:13:08.080
<v Speaker 2>is very soon, but I'll figure it out in the

0:13:08.120 --> 0:13:10.640
<v Speaker 2>next couple of weeks. I'll have to update you. I'll

0:13:10.679 --> 0:13:14.720
<v Speaker 2>know by mid May what my timeline is looking like

0:13:14.920 --> 0:13:16.480
<v Speaker 2>and what my trajectory will be.

0:13:17.280 --> 0:13:22.000
<v Speaker 3>Oh, I love that contract about retire Often list.

0:13:22.320 --> 0:13:26.599
<v Speaker 2>My goodness, I don't know on my radar, No on

0:13:26.679 --> 0:13:30.000
<v Speaker 2>my list. Now billion is the bomb? Like I thought

0:13:30.000 --> 0:13:34.920
<v Speaker 2>everybody knew Jillian in this community. Yeah, yeah, I'm under.

0:13:35.040 --> 0:13:36.400
<v Speaker 2>I'm under this book right now.

0:13:36.520 --> 0:13:39.920
<v Speaker 1>I don't. I'm lucky. I remember, y'all and the fact

0:13:39.960 --> 0:13:45.439
<v Speaker 1>that we don't have a kid a book. My manuscript

0:13:45.480 --> 0:13:47.000
<v Speaker 1>is due today, y'all. I do not know why I

0:13:47.040 --> 0:13:49.320
<v Speaker 1>booked this, but I'm really happy I did because I

0:13:49.360 --> 0:13:51.560
<v Speaker 1>have Literally I have been in my basement since five

0:13:51.600 --> 0:13:53.200
<v Speaker 1>a m. Finalizing the menu.

0:13:54.760 --> 0:13:59.400
<v Speaker 2>Have to Yeah, Oh my god, that the book that

0:13:59.480 --> 0:14:03.160
<v Speaker 2>I wrote. I don't even market it because it's so

0:14:03.360 --> 0:14:09.160
<v Speaker 2>much trauma bond, like so much PTSD. Yay, you got

0:14:09.200 --> 0:14:12.240
<v Speaker 2>another one that I'm enjoying. I definitely, I definitely have

0:14:12.360 --> 0:14:15.000
<v Speaker 2>a big, bigger one and a different one. I did

0:14:15.000 --> 0:14:19.040
<v Speaker 2>it a little bit unconventionally so and it was just

0:14:19.040 --> 0:14:20.960
<v Speaker 2>like my way to get exposed to it. But I

0:14:21.000 --> 0:14:23.600
<v Speaker 2>was just like ooh, I needed yeah, I mean, and

0:14:23.680 --> 0:14:28.000
<v Speaker 2>mind you, it was like an eight week timeline during

0:14:28.120 --> 0:14:34.160
<v Speaker 2>COVID girl, while being a nurse full time, while my

0:14:34.280 --> 0:14:37.000
<v Speaker 2>daughter was in kindergarten and out of school. So I

0:14:37.440 --> 0:14:44.080
<v Speaker 2>ve the way you say kindergarten, kindygarden, How do you

0:14:44.200 --> 0:14:48.960
<v Speaker 2>say that kindergarten exactly as you did, keep going, we

0:14:49.080 --> 0:14:50.280
<v Speaker 2>don't know kindergarten.

0:14:50.800 --> 0:14:51.320
<v Speaker 1>And then.

0:14:52.880 --> 0:14:56.920
<v Speaker 2>And you know, she couldn't read how to do her homework.

0:14:56.960 --> 0:14:59.160
<v Speaker 2>So I would go to work for twelve hours, come home,

0:14:59.560 --> 0:15:02.200
<v Speaker 2>and then and you know, be her teacher, and then

0:15:02.320 --> 0:15:05.280
<v Speaker 2>do it all again. And I was I was fortunately

0:15:05.320 --> 0:15:07.560
<v Speaker 2>the only one to never get COVID on my.

0:15:07.640 --> 0:15:09.520
<v Speaker 1>Unit, and I still haven't gotten COVID that.

0:15:09.520 --> 0:15:09.960
<v Speaker 4>I know of.

0:15:10.560 --> 0:15:13.280
<v Speaker 2>But so I was always working because everybody was sick.

0:15:13.320 --> 0:15:15.280
<v Speaker 2>Everybody kept on calling out six so it's like, can

0:15:15.320 --> 0:15:18.280
<v Speaker 2>you come in? Can you come in? And writing his book?

0:15:18.360 --> 0:15:20.240
<v Speaker 2>So a lot of a lot of a lot of

0:15:20.280 --> 0:15:24.280
<v Speaker 2>trauma around it. Jesus deserve many retirements.

0:15:24.320 --> 0:15:26.440
<v Speaker 4>About time you needed one a couple of years ago.

0:15:27.120 --> 0:15:30.000
<v Speaker 2>Yes, yes, yes, And there's about the stuff happened on

0:15:30.080 --> 0:15:32.440
<v Speaker 2>top of that that like kind of broke up my family.

0:15:32.960 --> 0:15:37.160
<v Speaker 1>But uh, you know it these five years, I mean

0:15:37.200 --> 0:15:39.800
<v Speaker 1>I think everyone's journey, that everyone's got a book. After

0:15:39.800 --> 0:15:43.680
<v Speaker 1>these five years, I feel like, oh for sure, you know, sure, Sorry,

0:15:44.720 --> 0:15:46.920
<v Speaker 1>I'm purshing mine from my body, and it has been

0:15:47.240 --> 0:15:49.440
<v Speaker 1>I needed more than eight weeks. I'll tell you that

0:15:50.680 --> 0:15:53.120
<v Speaker 1>I needed. I think I got this book deal the

0:15:53.200 --> 0:15:55.800
<v Speaker 1>week before the month before I gave birth to more

0:15:55.920 --> 0:15:59.920
<v Speaker 1>Gemini baby. So it's been two years and this is

0:16:00.160 --> 0:16:01.760
<v Speaker 1>the manuscript. So I have all these edits to do.

0:16:01.800 --> 0:16:04.480
<v Speaker 1>But anyway, speaking of Oakland and why you love it

0:16:04.520 --> 0:16:06.760
<v Speaker 1>and you always were up so hard, how excited are

0:16:06.800 --> 0:16:11.680
<v Speaker 1>you for your boy Ryan Cougler? Oh my god, seeding

0:16:11.760 --> 0:16:13.440
<v Speaker 1>in this way, it would have been awkward if you

0:16:13.440 --> 0:16:16.240
<v Speaker 1>were like, who, I don't know. No, For first of all,

0:16:16.360 --> 0:16:18.560
<v Speaker 1>Ryan Coogler is everything.

0:16:19.160 --> 0:16:21.640
<v Speaker 2>He's just like, first of all, he's from Oakland and

0:16:21.680 --> 0:16:24.360
<v Speaker 2>he also went to USC which is my Olmer model

0:16:24.600 --> 0:16:28.320
<v Speaker 2>double time. So you know our ride for Ryan Cougler.

0:16:28.520 --> 0:16:29.960
<v Speaker 2>You know he a little bit younger. If he was

0:16:29.960 --> 0:16:32.280
<v Speaker 2>a little bit older, you know, it would be really

0:16:32.360 --> 0:16:36.600
<v Speaker 2>all talking about younger, you know, when you're in college

0:16:36.640 --> 0:16:38.520
<v Speaker 2>and you like a senior and.

0:16:38.440 --> 0:16:42.040
<v Speaker 1>In the freshman Oh yeah, yeah, yeah, I know.

0:16:42.120 --> 0:16:44.520
<v Speaker 4>He's not even forty yet, y'all. He's up there at

0:16:44.600 --> 0:16:45.360
<v Speaker 4>thirty day.

0:16:45.920 --> 0:16:52.560
<v Speaker 1>Yeah, he's almost Have y'all seen Centners? Planning to see it,

0:16:53.080 --> 0:16:57.160
<v Speaker 1>like in a couple of hours, so you haven't seen.

0:16:57.000 --> 0:16:58.360
<v Speaker 4>It, I have not.

0:16:58.560 --> 0:17:04.760
<v Speaker 1>Alright, no, scholers, no ready, I've been waiting for this moment.

0:17:05.440 --> 0:17:07.399
<v Speaker 4>It is so freaking good.

0:17:07.640 --> 0:17:10.679
<v Speaker 3>I beloved to everybody I know that you have to

0:17:10.800 --> 0:17:12.639
<v Speaker 3>go see it, like you must.

0:17:12.760 --> 0:17:13.560
<v Speaker 4>We went last.

0:17:13.359 --> 0:17:15.679
<v Speaker 3>Weekend on a date night, and it's well because my

0:17:15.680 --> 0:17:17.440
<v Speaker 3>boyfriend was literally like not trying to do anything. I

0:17:17.480 --> 0:17:18.800
<v Speaker 3>was like, Bay, let's go, let's go it, let's go

0:17:18.800 --> 0:17:20.919
<v Speaker 3>out listen to He's like, no, no, and I was like,

0:17:20.920 --> 0:17:22.000
<v Speaker 3>we gotta go see Sinners.

0:17:22.240 --> 0:17:24.000
<v Speaker 4>Now. His thing is as soon as I see I

0:17:24.000 --> 0:17:25.119
<v Speaker 4>say like I want to go see.

0:17:25.000 --> 0:17:28.080
<v Speaker 3>A movie, his immediate thing is like he's gonna go

0:17:28.080 --> 0:17:29.120
<v Speaker 3>look at rotten tomatoes.

0:17:29.760 --> 0:17:31.359
<v Speaker 4>H that is not that person.

0:17:31.720 --> 0:17:34.359
<v Speaker 3>That person and if so written tomatoes number is not

0:17:34.480 --> 0:17:38.360
<v Speaker 3>looking like one hundred percent, it's a no. But Sinners

0:17:38.440 --> 0:17:40.480
<v Speaker 3>is damn near one hundred percent for both. It was

0:17:41.119 --> 0:17:44.040
<v Speaker 3>percent for both for both for those critics ready and

0:17:44.080 --> 0:17:47.000
<v Speaker 3>the tomatometer like that is unheard of for a movie

0:17:47.040 --> 0:17:49.439
<v Speaker 3>to get so high in both. That's how I was

0:17:49.440 --> 0:17:51.760
<v Speaker 3>like able to convince him, and we went straight to

0:17:51.800 --> 0:17:52.400
<v Speaker 3>the movie theater.

0:17:52.480 --> 0:17:55.200
<v Speaker 4>I was so excited.

0:17:55.480 --> 0:17:57.880
<v Speaker 1>I treated myself the day after I got back from

0:17:57.920 --> 0:17:59.639
<v Speaker 1>that road trip. The two died that I'm trying to

0:17:59.640 --> 0:18:02.320
<v Speaker 1>forget it about so hard, so stop talking about it, Mandy.

0:18:03.000 --> 0:18:06.080
<v Speaker 1>I got back from this long anyway events, and yeah,

0:18:06.119 --> 0:18:08.520
<v Speaker 1>I went on a Monday by myself to an IMAX

0:18:08.640 --> 0:18:11.440
<v Speaker 1>theater near me, and apparently it's not in every theater,

0:18:11.520 --> 0:18:13.200
<v Speaker 1>so I think I'm lucky to live next to one

0:18:13.680 --> 0:18:17.639
<v Speaker 1>that has it. Oh yeah, but you know, I was

0:18:17.680 --> 0:18:19.840
<v Speaker 1>a little afraid, y'all. I didn't think I liked it.

0:18:20.800 --> 0:18:23.480
<v Speaker 1>I really left the I left the theater so like

0:18:24.320 --> 0:18:27.400
<v Speaker 1>I had just gone through something. I felt so raw.

0:18:27.760 --> 0:18:31.919
<v Speaker 2>I think I was also, you're tired that it was

0:18:31.960 --> 0:18:34.640
<v Speaker 2>intense AF I don't think it's a spoiler to say

0:18:34.720 --> 0:18:36.679
<v Speaker 2>stay through the credits. At this point we all know

0:18:37.000 --> 0:18:40.240
<v Speaker 2>stay through the credits. But I wouldn't have gotten up

0:18:40.280 --> 0:18:43.280
<v Speaker 2>if you had paid me. I was so cemented to

0:18:43.400 --> 0:18:47.640
<v Speaker 2>my seat with just what did I like so much?

0:18:47.760 --> 0:18:49.600
<v Speaker 2>Like the weight and the gravity of it all. I

0:18:49.640 --> 0:18:50.680
<v Speaker 2>need to go see it again.

0:18:51.080 --> 0:18:53.000
<v Speaker 1>And I texted my brother right after and I was like,

0:18:53.560 --> 0:18:55.280
<v Speaker 1>sinners And he's like, what did you think? He had

0:18:55.280 --> 0:18:56.320
<v Speaker 1>also seen the night before.

0:18:56.680 --> 0:19:00.320
<v Speaker 2>Yeah, and I was like, I don't know that I

0:19:00.400 --> 0:19:03.760
<v Speaker 2>loved it, and it's not because like I think that

0:19:03.800 --> 0:19:06.040
<v Speaker 2>it's almost It doesn't do it justice to put it

0:19:06.080 --> 0:19:07.960
<v Speaker 2>in like the I liked or didn't like a category.

0:19:08.119 --> 0:19:08.359
<v Speaker 4>Yeah.

0:19:09.119 --> 0:19:12.080
<v Speaker 1>I have thought about that movie every hour of every

0:19:12.160 --> 0:19:16.399
<v Speaker 1>day since I saw it, just about I've had dreams

0:19:16.400 --> 0:19:21.120
<v Speaker 1>about it. I thought about different scenes. It was art,

0:19:21.200 --> 0:19:27.840
<v Speaker 1>I mean, it definitely is. Yeah, It's definitely an incredible film,

0:19:27.920 --> 0:19:31.560
<v Speaker 1>a huge film, like a phenomenal film. Am I gonna

0:19:31.600 --> 0:19:33.920
<v Speaker 1>want to watch it? Like you know, it's not gonna

0:19:33.920 --> 0:19:36.880
<v Speaker 1>be my comfort movie. I'll tell you that for free

0:19:37.440 --> 0:19:39.959
<v Speaker 1>and not when I'm having a bad day. But it

0:19:40.000 --> 0:19:43.120
<v Speaker 1>was beautifully done and I.

0:19:43.040 --> 0:19:48.040
<v Speaker 3>Just have never seen a movie that approaches the topic

0:19:48.119 --> 0:19:50.680
<v Speaker 3>in that way, like it's usually you see vampire movies'

0:19:50.680 --> 0:19:54.399
<v Speaker 3>is like oh, monsters versus victims. Ah, Like no, this

0:19:54.600 --> 0:19:59.680
<v Speaker 3>is like so complex and dynamic, like power, oppression, racism,

0:19:59.720 --> 0:20:03.280
<v Speaker 3>Jim Role, Survival of Black Americans in nineteen forty, nineteen thirty,

0:20:03.359 --> 0:20:06.480
<v Speaker 3>nineteen forties Mississippi, like what and.

0:20:06.600 --> 0:20:11.359
<v Speaker 2>Vampires, music, music, musical vampiresm.

0:20:11.080 --> 0:20:14.199
<v Speaker 4>Music, dancing. The cinematography was amazing.

0:20:14.800 --> 0:20:20.320
<v Speaker 2>Michael Jordan's movie Michael Not One.

0:20:20.000 --> 0:20:20.920
<v Speaker 4>But Girl I loved.

0:20:20.960 --> 0:20:23.480
<v Speaker 3>I thought it was incredible in terms of artistic and

0:20:23.520 --> 0:20:28.040
<v Speaker 3>creative expression, the interweaving of like the message around the

0:20:28.119 --> 0:20:33.199
<v Speaker 3>music and black culture, and it being taken by not

0:20:33.320 --> 0:20:35.480
<v Speaker 3>coincidentally a white vampire.

0:20:35.920 --> 0:20:38.520
<v Speaker 4>No white white man vampires were.

0:20:38.480 --> 0:20:45.119
<v Speaker 1>Given to him by a by a one movie or line.

0:20:46.760 --> 0:20:49.080
<v Speaker 4>Yeah, yeah, yeah, it was just it was a lot.

0:20:49.200 --> 0:20:50.080
<v Speaker 4>It was a lot of layers.

0:20:50.119 --> 0:20:52.960
<v Speaker 2>I can't like no spoilers, I know, I was okay,

0:20:53.119 --> 0:20:53.959
<v Speaker 2>I'm really excited.

0:20:54.000 --> 0:20:54.879
<v Speaker 1>I'm really hyped up.

0:20:55.320 --> 0:20:57.360
<v Speaker 4>Yeah yeah, girl, I think you're going to have a time.

0:20:57.400 --> 0:21:00.680
<v Speaker 1>You going with your booth, hag or are you going? No? No, no, no,

0:21:00.840 --> 0:21:01.720
<v Speaker 1>he doesn't live here.

0:21:02.440 --> 0:21:05.040
<v Speaker 4>Oh well, you're gonna love it regardless. It's definitely the

0:21:05.080 --> 0:21:06.639
<v Speaker 4>type of movie where. Actually I was just talking to

0:21:06.680 --> 0:21:07.000
<v Speaker 4>my friend.

0:21:07.000 --> 0:21:09.640
<v Speaker 3>If y'all don't follow him, definitely go ty Alan Jackson

0:21:09.800 --> 0:21:11.080
<v Speaker 3>on and stuff.

0:21:11.080 --> 0:21:12.960
<v Speaker 4>He does children's books for.

0:21:13.000 --> 0:21:16.679
<v Speaker 3>Financial literacy and also just black fiction children's books like

0:21:16.720 --> 0:21:17.480
<v Speaker 3>by comic books.

0:21:17.520 --> 0:21:18.399
<v Speaker 4>Anyway, he's amazing.

0:21:18.400 --> 0:21:20.080
<v Speaker 3>So I was talking to him and he was like,

0:21:20.400 --> 0:21:23.159
<v Speaker 3>I'm going to see it. I went by myself the

0:21:23.200 --> 0:21:26.040
<v Speaker 3>first time. The theater was empty. He sat in the

0:21:26.040 --> 0:21:29.480
<v Speaker 3>theater alone, okay, and then he's like, I'm going back

0:21:29.560 --> 0:21:31.080
<v Speaker 3>again tomorrow to see it again.

0:21:31.160 --> 0:21:33.879
<v Speaker 4>Like I was like, dang, but I see it with people.

0:21:34.000 --> 0:21:37.080
<v Speaker 1>I really do. Yeah, I'm scared to see it by myself.

0:21:37.119 --> 0:21:39.800
<v Speaker 1>But it's not. But it's scary, but I want to.

0:21:39.840 --> 0:21:41.600
<v Speaker 1>I want to talk about it, like I like to

0:21:41.640 --> 0:21:43.320
<v Speaker 1>get in the weeds. I wanted someone to talk about

0:21:43.320 --> 0:21:46.760
<v Speaker 1>it with immediately, and everybody in the theater was just

0:21:46.800 --> 0:21:48.800
<v Speaker 1>like me. We were all shell shocked and we all

0:21:48.840 --> 0:21:51.240
<v Speaker 1>just left. It was silent. It was like a funeral dirge.

0:21:51.240 --> 0:21:51.760
<v Speaker 1>It was weird.

0:21:51.920 --> 0:21:54.080
<v Speaker 4>Oh my gosh, Okay, see that's not how it was.

0:21:54.119 --> 0:21:54.920
<v Speaker 4>But we left the theater.

0:21:55.040 --> 0:21:58.480
<v Speaker 3>Now, granted this is Miami, so like, yeah, the theater

0:21:58.640 --> 0:22:00.879
<v Speaker 3>going is weird depending our neighborhood you go to.

0:22:00.960 --> 0:22:02.800
<v Speaker 4>But it was definitely a buzzing.

0:22:02.880 --> 0:22:05.760
<v Speaker 3>Everybody was talking chatty like when we left, Wow, so

0:22:05.840 --> 0:22:07.960
<v Speaker 3>it was no. I think it's it's different depending on

0:22:08.280 --> 0:22:11.080
<v Speaker 3>the aura, the environment, the vibe of the theater. You

0:22:11.119 --> 0:22:14.800
<v Speaker 3>see it in what's his name? Ty what Alan Jackson?

0:22:16.480 --> 0:22:18.200
<v Speaker 4>He has a kid's book called.

0:22:18.240 --> 0:22:22.080
<v Speaker 3>Uh, Make your Own Money, How Kids can earn and

0:22:22.080 --> 0:22:23.880
<v Speaker 3>spend it entry big. So if you've got a kid

0:22:24.080 --> 0:22:27.080
<v Speaker 3>I love, then he's great make your Own Money. And

0:22:27.119 --> 0:22:29.800
<v Speaker 3>then also he has another kid's book called Danny Dollar.

0:22:30.280 --> 0:22:32.400
<v Speaker 1>I gotta get Rio that. The other day Rio told

0:22:32.440 --> 0:22:34.040
<v Speaker 1>me he wants to He says he wants to be

0:22:34.080 --> 0:22:38.440
<v Speaker 1>a millionaire. I was like, what have they been talking

0:22:38.480 --> 0:22:38.720
<v Speaker 1>about it?

0:22:38.760 --> 0:22:40.800
<v Speaker 3>After Danny Dollar Danny Dollars Break.

0:22:40.840 --> 0:22:42.160
<v Speaker 4>It's like the Lemonade Escapade.

0:22:42.160 --> 0:22:44.480
<v Speaker 3>It's a little black boy who has a business to

0:22:44.480 --> 0:22:46.600
<v Speaker 3>sell lemonade and then there's drama, but then he gets

0:22:46.600 --> 0:22:48.320
<v Speaker 3>to meet the mayor and he's the goal is to

0:22:48.320 --> 0:22:49.919
<v Speaker 3>be found a millionaire because he wants to own a

0:22:49.920 --> 0:22:50.600
<v Speaker 3>sports team.

0:22:51.400 --> 0:22:52.840
<v Speaker 1>I love that book. It's so good to.

0:22:52.880 --> 0:22:54.440
<v Speaker 3>Read aloud, Like if you have a younger kid that

0:22:54.480 --> 0:22:56.439
<v Speaker 3>you read aloud to them, or if you have like

0:22:56.440 --> 0:22:58.800
<v Speaker 3>a fourth grader and third fourth grader up that they

0:22:58.800 --> 0:22:59.520
<v Speaker 3>can read it on their own.

0:22:59.520 --> 0:23:02.200
<v Speaker 4>It's like a chat to book. But I love love

0:23:02.240 --> 0:23:03.480
<v Speaker 4>love Tie. He's great.

0:23:03.800 --> 0:23:08.719
<v Speaker 1>Oh the book wrecks are hot. Hey, ba Fam, We're

0:23:08.720 --> 0:23:11.320
<v Speaker 1>gonna take a quick break, pay some bills, and we'll

0:23:11.400 --> 0:23:16.199
<v Speaker 1>be right back. All right, ba fam, we're back. So

0:23:16.680 --> 0:23:21.000
<v Speaker 1>news wise, I am like thinking about my buzzworthy topics,

0:23:21.160 --> 0:23:24.600
<v Speaker 1>and the one that BA fam has been dming about

0:23:24.640 --> 0:23:29.080
<v Speaker 1>the most has been like the student loan. Uh, what

0:23:29.119 --> 0:23:33.280
<v Speaker 1>are we calling it? Come to GMSS? Is it a mess?

0:23:33.320 --> 0:23:36.760
<v Speaker 1>So the latest I had seen was that beginning May fifth,

0:23:37.800 --> 0:23:40.280
<v Speaker 1>you're if you have been on default on your loans,

0:23:40.320 --> 0:23:42.679
<v Speaker 1>like it's going to show up on your credit report. Right.

0:23:43.000 --> 0:23:47.600
<v Speaker 1>Oh wow, the chickens have come home to roost. The

0:23:47.600 --> 0:23:50.600
<v Speaker 1>honeymoon is over. And also this just means there's not

0:23:50.760 --> 0:23:53.920
<v Speaker 1>a presidential election close enough for it to sway votes.

0:23:53.960 --> 0:23:56.720
<v Speaker 1>So they're finally okay with like letting it go. Listen,

0:23:56.800 --> 0:23:59.000
<v Speaker 1>Joe Biden, we appreciate you, but I know you kept

0:23:59.040 --> 0:24:03.399
<v Speaker 1>it alive. You tried, you did, I mean you did

0:24:03.400 --> 0:24:08.919
<v Speaker 1>it frisbe in five years now since the pandemic. Yeah,

0:24:08.920 --> 0:24:11.560
<v Speaker 1>so like what do y'all think? I mean, I feel

0:24:11.600 --> 0:24:13.359
<v Speaker 1>like the only thing you can do is go to

0:24:13.400 --> 0:24:18.200
<v Speaker 1>your student loan services website asap and figure out where

0:24:18.200 --> 0:24:22.840
<v Speaker 1>your loan stand find out where they're all at. Yeah,

0:24:23.359 --> 0:24:26.480
<v Speaker 1>with student loan stuff, it's so complex that I always

0:24:26.640 --> 0:24:31.080
<v Speaker 1>try to encourage people to work with a consultant, like

0:24:31.160 --> 0:24:33.600
<v Speaker 1>a student loan planner or something like that, who can

0:24:33.640 --> 0:24:35.439
<v Speaker 1>really dive in, especially if you have a whole lot

0:24:35.440 --> 0:24:38.679
<v Speaker 1>of federal student loans, who can really dive in the

0:24:38.720 --> 0:24:41.359
<v Speaker 1>back end and just like see like what your best

0:24:41.359 --> 0:24:45.080
<v Speaker 1>options are because that I feel like you can get

0:24:45.160 --> 0:24:47.119
<v Speaker 1>caught up in some mess, especially right now.

0:24:47.520 --> 0:24:54.520
<v Speaker 2>But what I'm confused about is what is their Department

0:24:54.560 --> 0:25:01.879
<v Speaker 2>of Education? Still, like, who's Who's like over this?

0:25:02.280 --> 0:25:04.040
<v Speaker 4>Yes, it keeps saying that the partner of Education is

0:25:04.040 --> 0:25:05.800
<v Speaker 4>going to start collection. Starting my fits, I'm like, what

0:25:06.440 --> 0:25:07.840
<v Speaker 4>which department of the ones?

0:25:07.920 --> 0:25:12.480
<v Speaker 2>Not the one that they dismantles, Like, yeah, I can't

0:25:12.640 --> 0:25:13.240
<v Speaker 2>keep up.

0:25:14.080 --> 0:25:16.920
<v Speaker 1>I'm over here. Yeah, I know you have to look

0:25:16.920 --> 0:25:18.800
<v Speaker 1>at the latest. And I was like, I mean I

0:25:18.880 --> 0:25:20.879
<v Speaker 1>feel like I knew what was happening on Friday, but

0:25:20.920 --> 0:25:22.560
<v Speaker 1>now it's been a few days since then, so I

0:25:22.640 --> 0:25:25.719
<v Speaker 1>feel the need to. I think, well, the student loan,

0:25:25.760 --> 0:25:28.760
<v Speaker 1>I mean, the government itself does service some loans. So

0:25:29.119 --> 0:25:32.720
<v Speaker 1>the Department of Education like website, we can post a

0:25:32.720 --> 0:25:36.000
<v Speaker 1>link in the show notes for y'all. Studentad dot gov

0:25:36.040 --> 0:25:38.280
<v Speaker 1>is where you would go to like find out what's

0:25:38.320 --> 0:25:40.920
<v Speaker 1>happening with your federal student loans. But sometimes, like when

0:25:40.920 --> 0:25:43.480
<v Speaker 1>I had student loans, they were serviced by another company,

0:25:43.520 --> 0:25:47.240
<v Speaker 1>So the government would contract with these big loan servicers,

0:25:47.280 --> 0:25:49.320
<v Speaker 1>so I used to have nail Net. Of course, then

0:25:49.320 --> 0:25:52.600
<v Speaker 1>there's like Sally May and not all these big ones,

0:25:52.640 --> 0:25:55.960
<v Speaker 1>so they all service federal student loan debt. And the

0:25:56.000 --> 0:25:58.119
<v Speaker 1>thing is, like, you know how sometimes when you get

0:25:58.160 --> 0:26:04.520
<v Speaker 1>a mortgage, they yeah they sell the debt. Yeah, yeah,

0:26:04.560 --> 0:26:06.879
<v Speaker 1>they sell the debt, so it may not be the

0:26:06.920 --> 0:26:11.920
<v Speaker 1>same servicer as you remember. It's just really really important

0:26:11.960 --> 0:26:14.720
<v Speaker 1>no matter. I know. What's confusing, and the unfortunate thing

0:26:14.760 --> 0:26:16.359
<v Speaker 1>is that it doesn't feel like there's a grown up

0:26:16.359 --> 0:26:19.199
<v Speaker 1>at the steering wheel. So we really have to like

0:26:19.480 --> 0:26:21.639
<v Speaker 1>take it on ourselves to go and figure out what

0:26:21.720 --> 0:26:22.280
<v Speaker 1>all we have.

0:26:23.160 --> 0:26:28.040
<v Speaker 2>And yeah, yeah, there's some good accounts to follow that

0:26:28.119 --> 0:26:30.080
<v Speaker 2>really track it. Like I said, if you just follow

0:26:30.160 --> 0:26:33.679
<v Speaker 2>student loan planner. It's not the stans, just student loan planner.

0:26:34.119 --> 0:26:34.800
<v Speaker 1>And then.

0:26:36.080 --> 0:26:39.400
<v Speaker 2>Oh my god, why am I blanking on the lawyer

0:26:39.600 --> 0:26:44.919
<v Speaker 2>that's also doing student loans? Really tall life skin dude,

0:26:45.560 --> 0:26:49.200
<v Speaker 2>I'm gonna tell you a lawyer. Yeah, he's a student

0:26:49.240 --> 0:26:54.600
<v Speaker 2>loan lawyer from he's instilly. The head of the doe

0:26:54.840 --> 0:26:56.600
<v Speaker 2>is the is the wrestling lady.

0:26:57.119 --> 0:27:05.760
<v Speaker 1>That's the thing I can't even right. So the real

0:27:05.800 --> 0:27:08.520
<v Speaker 1>fear among people like ba fam I was just looking

0:27:08.520 --> 0:27:12.919
<v Speaker 1>at the comments is like wage garnishment, which can happen

0:27:14.000 --> 0:27:17.119
<v Speaker 1>if you're severely delinquent. So that means like you're you've

0:27:17.240 --> 0:27:21.840
<v Speaker 1>missed two hundred and seventy days or more of your payments,

0:27:22.920 --> 0:27:25.199
<v Speaker 1>So that's months and months of missing payments, almost a

0:27:25.200 --> 0:27:28.840
<v Speaker 1>full year. So at this point, I mean, it's not

0:27:28.880 --> 0:27:32.040
<v Speaker 1>just wage garnishment. It could they can also take money

0:27:32.080 --> 0:27:35.320
<v Speaker 1>from your tax refund yep that you may be owed

0:27:36.600 --> 0:27:38.959
<v Speaker 1>and may not see next come next tax season.

0:27:39.720 --> 0:27:44.720
<v Speaker 2>So social security benefits. We have our our older kings

0:27:44.720 --> 0:27:47.399
<v Speaker 2>and queens.

0:27:46.119 --> 0:27:48.720
<v Speaker 3>Still paying student loans because that's the reality, that's the

0:27:48.760 --> 0:27:49.520
<v Speaker 3>world we live in.

0:27:50.240 --> 0:27:54.439
<v Speaker 2>Yes, yes, I can say I am very happy to

0:27:54.480 --> 0:27:56.439
<v Speaker 2>have paid them off. At first, I was max. I

0:27:56.480 --> 0:27:59.760
<v Speaker 2>was like, so I had got all these forgiveness programs,

0:28:00.080 --> 0:28:03.280
<v Speaker 2>all of that stuff, And then I'm just like, well,

0:28:03.480 --> 0:28:05.440
<v Speaker 2>I mean like, if they hadn't forgiven them now, I

0:28:05.480 --> 0:28:07.520
<v Speaker 2>would have been in a whole world of hurt. But

0:28:08.240 --> 0:28:13.159
<v Speaker 2>you know, I'm very glad I have no more student

0:28:13.200 --> 0:28:17.679
<v Speaker 2>loans that two hundred and twenty thousand or two hundred

0:28:17.720 --> 0:28:23.520
<v Speaker 2>and fifty thousand that I actually paid off. Congratulations because

0:28:23.560 --> 0:28:30.120
<v Speaker 2>you're so clear and beautiful and you are like, yuh

0:28:30.240 --> 0:28:32.800
<v Speaker 2>name you know how to? I mean like, I don't

0:28:32.880 --> 0:28:36.200
<v Speaker 2>understand how you've lived this many lives and accomplished so much.

0:28:37.359 --> 0:28:38.719
<v Speaker 4>That is wild, girl.

0:28:39.080 --> 0:28:43.040
<v Speaker 1>You deserve that. Retire girl, I bet I.

0:28:42.960 --> 0:28:46.480
<v Speaker 2>Have been moving like I don't think people understand. I'll

0:28:46.520 --> 0:28:49.800
<v Speaker 2>be like, listen, just scirl Instagram. You'll see a whole

0:28:49.840 --> 0:28:52.120
<v Speaker 2>lot of shit you been playing around?

0:28:52.480 --> 0:28:55.120
<v Speaker 1>Nellie? What about you, miss Ivy League? Did you have that?

0:28:55.360 --> 0:28:57.800
<v Speaker 3>I had one small student loan because I did get

0:28:57.800 --> 0:28:59.960
<v Speaker 3>a full ride. I was just that nerdy kid, so

0:29:00.040 --> 0:29:02.120
<v Speaker 3>my scholarship covered all my tuition and stuff. But I

0:29:02.160 --> 0:29:04.440
<v Speaker 3>did have a student loan for my summer study of

0:29:04.480 --> 0:29:05.480
<v Speaker 3>bar program that was.

0:29:05.440 --> 0:29:06.640
<v Speaker 4>Not governed by the scholarship.

0:29:06.720 --> 0:29:08.200
<v Speaker 3>So I did take out a student loan for that,

0:29:08.560 --> 0:29:10.640
<v Speaker 3>but it was a small it was like under seven K.

0:29:11.160 --> 0:29:13.200
<v Speaker 3>So when I graduated, I feel like I was like

0:29:13.200 --> 0:29:15.000
<v Speaker 3>of under student loans. But I did have a bunch

0:29:15.040 --> 0:29:18.800
<v Speaker 3>of credit card debt. That's another story. I did pay

0:29:18.840 --> 0:29:21.400
<v Speaker 3>off the student loans. I do feel like it's really scary,

0:29:21.440 --> 0:29:24.400
<v Speaker 3>Like I have a sister who was dealing with almost

0:29:24.400 --> 0:29:26.760
<v Speaker 3>one hundred thousand dollars of student loan debt, and I

0:29:26.800 --> 0:29:28.400
<v Speaker 3>just feel like we didn't have a lot of guidance

0:29:28.480 --> 0:29:30.520
<v Speaker 3>and she wasn't lucky like me to get the scholarship.

0:29:30.640 --> 0:29:33.720
<v Speaker 3>So it's either especially when you're a really low income kid,

0:29:34.480 --> 0:29:36.640
<v Speaker 3>it's like the low income kids and the high high

0:29:36.720 --> 0:29:39.160
<v Speaker 3>high income earners that kind of cost when it comes

0:29:39.200 --> 0:29:41.200
<v Speaker 3>to college expenses, because like your family either got it.

0:29:41.240 --> 0:29:42.840
<v Speaker 4>They just drop a forty K check.

0:29:42.600 --> 0:29:45.600
<v Speaker 3>And it's fine, or you get a full scholarship because

0:29:45.600 --> 0:29:49.360
<v Speaker 3>your low income and high achieving. But it's the middle income,

0:29:49.640 --> 0:29:52.600
<v Speaker 3>right that just gets screwed end up with stacks and

0:29:52.640 --> 0:29:55.240
<v Speaker 3>stacks on stacks of student loan debt, and it's just

0:29:55.320 --> 0:29:56.000
<v Speaker 3>it's so hard.

0:29:56.080 --> 0:29:57.800
<v Speaker 4>I feel like that's the biggest frustration.

0:29:58.160 --> 0:30:00.680
<v Speaker 3>But my sister was able to get a lot of

0:30:00.680 --> 0:30:03.000
<v Speaker 3>her student loan debt forgiven because she works in higher

0:30:03.080 --> 0:30:05.120
<v Speaker 3>edge so she was able to qualify for the federal

0:30:05.720 --> 0:30:08.720
<v Speaker 3>federal Public Service Loan Forgusness program. But if you don't

0:30:08.760 --> 0:30:10.880
<v Speaker 3>work in public service, obviously that's not an option. And

0:30:10.920 --> 0:30:13.400
<v Speaker 3>there's really not a lot of other types of forgiveness

0:30:13.520 --> 0:30:15.440
<v Speaker 3>out there, like they're not really trying to wipe debt.

0:30:15.640 --> 0:30:19.880
<v Speaker 2>So I do that actually, actually, actually, what I have

0:30:20.080 --> 0:30:23.040
<v Speaker 2>learned is that there are hundreds of long forgiveness programs.

0:30:23.760 --> 0:30:26.680
<v Speaker 2>Public service loan forgiveness is just the biggest one. That's

0:30:26.720 --> 0:30:30.920
<v Speaker 2>why I always defers to like specialists because it's a

0:30:30.960 --> 0:30:33.920
<v Speaker 2>lot of stuff you don't know unless you follow the

0:30:34.040 --> 0:30:38.840
<v Speaker 2>legislation and all of the programs to the t, and

0:30:39.800 --> 0:30:41.800
<v Speaker 2>you know, with other persons with.

0:30:41.880 --> 0:30:45.560
<v Speaker 3>Me with most tax things, that's how it isn't like

0:30:45.560 --> 0:30:48.520
<v Speaker 3>when you look at the exact policies and stuff. But

0:30:48.720 --> 0:30:50.560
<v Speaker 3>I mean, look, it's a it's a good thing that

0:30:50.640 --> 0:30:52.960
<v Speaker 3>so many people got forgiveness because there was a lot

0:30:53.080 --> 0:30:55.840
<v Speaker 3>of a corruption, There was a lot of like lack

0:30:55.840 --> 0:30:57.840
<v Speaker 3>of clarity. There was a lot of fun in just

0:30:58.200 --> 0:31:01.720
<v Speaker 3>things happening with like not being being actually informed about

0:31:01.800 --> 0:31:03.840
<v Speaker 3>interests or how it works, or being told that your

0:31:03.880 --> 0:31:06.640
<v Speaker 3>loan was unsubsidized or subsized when it was unsubsidized. I

0:31:06.640 --> 0:31:09.240
<v Speaker 3>mean there's a lot there were. There was also predatory stuff,

0:31:09.240 --> 0:31:12.240
<v Speaker 3>like people straight up calling my sister her to just

0:31:12.560 --> 0:31:15.280
<v Speaker 3>sign up for defermit, sign up for forbearans, don't worry

0:31:15.320 --> 0:31:17.120
<v Speaker 3>about it, just put it into four burns. Just sign

0:31:17.200 --> 0:31:18.640
<v Speaker 3>up for this. I'll help you do it right now,

0:31:19.000 --> 0:31:22.360
<v Speaker 3>not explaining what does that mean. Because the interest keeps

0:31:22.360 --> 0:31:25.880
<v Speaker 3>a crewing baby every single day. They don't pause the interest,

0:31:25.960 --> 0:31:28.560
<v Speaker 3>so you don't really fully understand. So I do think

0:31:28.560 --> 0:31:30.360
<v Speaker 3>that because of that it was important to do a

0:31:30.360 --> 0:31:32.760
<v Speaker 3>lot of forgiveness. But even still, like I do think

0:31:32.760 --> 0:31:35.080
<v Speaker 3>people are just straight up scared now, and I argue

0:31:35.120 --> 0:31:36.840
<v Speaker 3>in the SEMA like you got to get ahead of

0:31:36.880 --> 0:31:40.160
<v Speaker 3>it because the government can garnish up to fifteen percent

0:31:40.200 --> 0:31:40.880
<v Speaker 3>of your wages.

0:31:40.920 --> 0:31:41.320
<v Speaker 4>They can't.

0:31:41.320 --> 0:31:45.200
<v Speaker 3>They will come for that paycheck, but only right, but

0:31:45.360 --> 0:31:48.440
<v Speaker 3>only if you have not taken any steps to try

0:31:48.440 --> 0:31:50.840
<v Speaker 3>to set up a payment plan or set up something first.

0:31:50.840 --> 0:31:53.120
<v Speaker 4>If you even if you if you do outreach and you.

0:31:53.160 --> 0:31:55.760
<v Speaker 3>Set up something as small as that might be, that

0:31:55.880 --> 0:31:58.360
<v Speaker 3>alone is enough to not put you in the wage

0:31:58.360 --> 0:32:01.479
<v Speaker 3>garnishment category or in any of these other like horrible

0:32:01.480 --> 0:32:03.600
<v Speaker 3>for your credit and things like that, because you're working

0:32:03.600 --> 0:32:05.400
<v Speaker 3>with them. But the problem is so many of us,

0:32:05.600 --> 0:32:08.240
<v Speaker 3>when we have really like a death situation that's really scary,

0:32:08.440 --> 0:32:10.480
<v Speaker 3>we try to do like the Ostrich and like bury

0:32:10.480 --> 0:32:12.360
<v Speaker 3>ourselves up under the sand and just try to like

0:32:12.560 --> 0:32:14.560
<v Speaker 3>avoid their calls, don't reach out to them, try to

0:32:14.560 --> 0:32:17.000
<v Speaker 3>pretend it's not just going to magically go away, Like

0:32:17.200 --> 0:32:20.200
<v Speaker 3>this is one in particular where they're coming down hard

0:32:20.240 --> 0:32:22.200
<v Speaker 3>on it because it's been five years that they haven't

0:32:22.240 --> 0:32:24.760
<v Speaker 3>collected a penny of interest on these loans, and.

0:32:24.720 --> 0:32:27.040
<v Speaker 4>So they're really trying to buck down on it.

0:32:27.080 --> 0:32:28.880
<v Speaker 3>So we just, I just think, just get ahead of it,

0:32:28.920 --> 0:32:31.080
<v Speaker 3>and like Nasima said, if you need help, there are

0:32:31.160 --> 0:32:36.600
<v Speaker 3>certifications and designations specifically for people who are like c SLP,

0:32:36.880 --> 0:32:39.720
<v Speaker 3>which is Certified Student More Professional, not just a rando

0:32:39.880 --> 0:32:41.760
<v Speaker 3>on Instagram, like how can I help you with, you know,

0:32:42.840 --> 0:32:45.160
<v Speaker 3>student Home Professional y'alls.

0:32:44.880 --> 0:32:47.160
<v Speaker 2>And student loan lawyers. The student loan lawyer I was

0:32:47.160 --> 0:32:48.680
<v Speaker 2>thinking about his name is Stanley Tate.

0:32:49.960 --> 0:32:53.240
<v Speaker 1>Yeah, Stanley Tait okay mm hmm Yeh's actually helpful if

0:32:53.240 --> 0:32:56.760
<v Speaker 1>you're trying to challenge a wage garnishment, which oh yeah,

0:32:56.840 --> 0:32:58.080
<v Speaker 1>and he has he has done that.

0:32:59.240 --> 0:33:02.280
<v Speaker 2>You know, you can't have student loans removed from your

0:33:02.560 --> 0:33:04.640
<v Speaker 2>your credit and all of that stuff, and it's with you.

0:33:05.160 --> 0:33:06.880
<v Speaker 1>He has taken those.

0:33:08.320 --> 0:33:08.720
<v Speaker 4>They can't.

0:33:08.800 --> 0:33:11.280
<v Speaker 3>They also say that you can't have it written off

0:33:11.280 --> 0:33:12.080
<v Speaker 3>in a bankruptcy.

0:33:12.440 --> 0:33:14.040
<v Speaker 1>Yes, but again, if you have a lord, I'm.

0:33:13.960 --> 0:33:14.480
<v Speaker 4>Working with you.

0:33:14.520 --> 0:33:18.360
<v Speaker 3>There are certain cases of undo hardship that in certain

0:33:18.400 --> 0:33:22.040
<v Speaker 3>cases your situation is so specific to you, don't just

0:33:22.120 --> 0:33:24.200
<v Speaker 3>go on you know, social watch these videos and think

0:33:24.240 --> 0:33:27.480
<v Speaker 3>it applies to you. Your situation is very specific that

0:33:27.520 --> 0:33:29.160
<v Speaker 3>one on one can be really helpful.

0:33:29.440 --> 0:33:33.200
<v Speaker 1>Yeah, Studentaid Dot of y'all. That is the Department of

0:33:33.280 --> 0:33:36.400
<v Speaker 1>Education's website. It's just such a you know, it's just

0:33:36.440 --> 0:33:40.000
<v Speaker 1>such bullshit because they wait until the CFPP has been dismantled.

0:33:40.320 --> 0:33:44.320
<v Speaker 1>So that's like the Consumer Protection Bureau, which that protected

0:33:44.360 --> 0:33:47.120
<v Speaker 1>students in the wake of the financial crisis from eight

0:33:47.200 --> 0:33:49.800
<v Speaker 1>who were being taken advantage of left and right by

0:33:49.800 --> 0:33:54.280
<v Speaker 1>these servicers charge fees. You know. Also, you know our

0:33:55.760 --> 0:34:00.600
<v Speaker 1>President Orange himself and his Trump University, you know bs

0:34:00.720 --> 0:34:03.920
<v Speaker 1>that that was also like he was also sued for scamming.

0:34:04.040 --> 0:34:06.440
<v Speaker 1>Oh yeah, that private school staff. Oh yeah, that for

0:34:06.560 --> 0:34:07.280
<v Speaker 1>profit school.

0:34:07.520 --> 0:34:10.720
<v Speaker 4>Like yeah, all kinds of the history of vier.

0:34:10.640 --> 0:34:14.000
<v Speaker 1>Education being a scam for so many people is there.

0:34:14.840 --> 0:34:16.680
<v Speaker 1>It's a shame. So we have to Yeah, we have

0:34:16.719 --> 0:34:19.160
<v Speaker 1>to protect ourselves. And I love that y'all shared some

0:34:19.200 --> 0:34:21.960
<v Speaker 1>additional resources. But the first step is just figuring out

0:34:21.960 --> 0:34:24.879
<v Speaker 1>where your loans stand studenta dot gov and then we'll

0:34:24.920 --> 0:34:28.120
<v Speaker 1>put it. That's where you pull all of that, that's right, Yeah.

0:34:27.920 --> 0:34:29.560
<v Speaker 3>And if you don't, if you're like, look, I really

0:34:29.560 --> 0:34:30.880
<v Speaker 3>want to work with somebody one on one and I

0:34:30.880 --> 0:34:33.759
<v Speaker 3>don't have money to hire like a certified person, there

0:34:33.800 --> 0:34:35.680
<v Speaker 3>are some places where you can get free advice for

0:34:35.719 --> 0:34:37.319
<v Speaker 3>your student loans. I know one of them is the

0:34:37.320 --> 0:34:42.000
<v Speaker 3>Institute of Student Loan Advisors, but it makes sure like

0:34:42.080 --> 0:34:44.480
<v Speaker 3>usually it's going to be nonprofit or affiliated with a

0:34:44.480 --> 0:34:47.640
<v Speaker 3>local government agency, because the reality is, I mean, if

0:34:47.640 --> 0:34:49.799
<v Speaker 3>it's not a nonprofit, like, they're gonna have to make

0:34:49.840 --> 0:34:53.000
<v Speaker 3>money somehow from this. So I would say look for

0:34:53.160 --> 0:34:54.920
<v Speaker 3>free advice if you really are in a situation where

0:34:54.960 --> 0:34:56.239
<v Speaker 3>you're like, I can't even pay my loans, how am

0:34:56.280 --> 0:34:57.919
<v Speaker 3>I gonna pay somebody to help me? Not pay my loans.

0:34:57.920 --> 0:35:00.560
<v Speaker 3>I don't have money, So I get that, but don't

0:35:00.880 --> 0:35:03.000
<v Speaker 3>just like quit and give up. Like there's so many

0:35:03.120 --> 0:35:04.880
<v Speaker 3>re resources out there. You just really have to do

0:35:04.920 --> 0:35:06.200
<v Speaker 3>the digging and put in the time.

0:35:06.840 --> 0:35:09.000
<v Speaker 2>And then also I have to say, even if you

0:35:09.080 --> 0:35:11.440
<v Speaker 2>are paying for service, first of all, make sure that

0:35:11.440 --> 0:35:15.160
<v Speaker 2>it's a credible service. But the thing is is that

0:35:15.320 --> 0:35:18.960
<v Speaker 2>you're saying you can't pay your loans. The fees are minimal,

0:35:19.120 --> 0:35:22.520
<v Speaker 2>like a couple hundred dollars. But for example, if I

0:35:22.520 --> 0:35:24.759
<v Speaker 2>would have worked with them before I paid off my

0:35:24.880 --> 0:35:28.120
<v Speaker 2>student loans, it would have saved me eighty thousand dollars.

0:35:28.280 --> 0:35:30.080
<v Speaker 2>So I mean, like in the whole scheme of things

0:35:30.160 --> 0:35:32.360
<v Speaker 2>like look at it, oh, really just based on like

0:35:32.360 --> 0:35:35.760
<v Speaker 2>how much interest you paid, just on how I paid

0:35:35.760 --> 0:35:38.960
<v Speaker 2>it off. If I would have strategized it, if I

0:35:38.960 --> 0:35:42.160
<v Speaker 2>would have optimized my strategy, I could have saved eighty

0:35:42.200 --> 0:35:44.080
<v Speaker 2>thousand dollars over the course of the time.

0:35:44.680 --> 0:35:47.000
<v Speaker 1>So that ain't no small change, honey.

0:35:47.560 --> 0:35:49.920
<v Speaker 3>Oh, year's worth the salary for a lot of people

0:35:49.920 --> 0:35:53.120
<v Speaker 3>out there, the salary for a lot of other people out.

0:35:52.960 --> 0:35:54.040
<v Speaker 1>There, exactly.

0:35:54.520 --> 0:35:57.279
<v Speaker 3>Yeah, yeah, that's wild, But yeah, I think I think

0:35:57.320 --> 0:35:59.200
<v Speaker 3>a lot of the confusion right now is also like

0:35:59.760 --> 0:36:02.320
<v Speaker 3>the safe plan, like is it even a thing anymore?

0:36:02.320 --> 0:36:03.719
<v Speaker 1>Like what are the options?

0:36:04.120 --> 0:36:05.200
<v Speaker 4>That's the confusing part.

0:36:05.239 --> 0:36:07.360
<v Speaker 3>So I do think that you can just wrap your

0:36:07.400 --> 0:36:09.279
<v Speaker 3>head around it by going on a studay dot gov.

0:36:09.520 --> 0:36:12.080
<v Speaker 3>Some of it it's not so clear, but you know,

0:36:12.360 --> 0:36:14.040
<v Speaker 3>for the most part, if your income is at a

0:36:14.040 --> 0:36:16.319
<v Speaker 3>position where it's like, okay, first of all, my salary solo,

0:36:16.440 --> 0:36:18.640
<v Speaker 3>my income is solo, Like that's the part that's really hard.

0:36:18.840 --> 0:36:21.080
<v Speaker 3>Then they have the income driven repayment plan, and I

0:36:21.080 --> 0:36:23.520
<v Speaker 3>do feel like for a lot of people that usually

0:36:23.600 --> 0:36:24.080
<v Speaker 3>is going to be.

0:36:24.000 --> 0:36:26.000
<v Speaker 4>A first solid place to start. If you are in

0:36:26.000 --> 0:36:27.520
<v Speaker 4>a situation right now you're like, I don't even know

0:36:27.600 --> 0:36:28.520
<v Speaker 4>how I'm supposed to pay.

0:36:28.800 --> 0:36:30.840
<v Speaker 3>Just start with the day driven repayment plan while you

0:36:30.880 --> 0:36:33.200
<v Speaker 3>start figuring out if there's a better option of a plan,

0:36:33.280 --> 0:36:35.719
<v Speaker 3>because that is directly tied to your income. If you're

0:36:35.719 --> 0:36:38.200
<v Speaker 3>in a low income environment right now, that's going to

0:36:38.200 --> 0:36:39.680
<v Speaker 3>help you at least to make sure it's limited to

0:36:39.680 --> 0:36:42.080
<v Speaker 3>a small percentage of your income, which is already.

0:36:41.840 --> 0:36:42.520
<v Speaker 4>Low as it is.

0:36:42.800 --> 0:36:45.239
<v Speaker 3>So you start there right and then you can kind

0:36:45.239 --> 0:36:47.360
<v Speaker 3>of start getting some clarity and looking for next steps.

0:36:47.360 --> 0:36:47.799
<v Speaker 4>From there on.

0:36:48.200 --> 0:36:51.439
<v Speaker 1>Yep, it's no wonder why HBCUs are having a hard

0:36:51.480 --> 0:36:55.560
<v Speaker 1>time recruiting, especially black men right now. It's a hard

0:36:55.600 --> 0:36:57.719
<v Speaker 1>case to make. I mean, there's definitely still a case

0:36:57.719 --> 0:37:00.680
<v Speaker 1>to be made for why education is crucial, can be

0:37:00.719 --> 0:37:03.399
<v Speaker 1>crucial for your professional journey and to get like you know,

0:37:03.520 --> 0:37:05.880
<v Speaker 1>to get the best access to high paying jobs. But

0:37:05.920 --> 0:37:07.360
<v Speaker 1>it's not the end all be all. I think the

0:37:07.400 --> 0:37:12.200
<v Speaker 1>jig is up, like people are realizing that, but we are,

0:37:12.280 --> 0:37:14.600
<v Speaker 1>Like when you look at the populations that are going

0:37:14.640 --> 0:37:16.640
<v Speaker 1>to be most impacted, like you said, the people caught

0:37:16.640 --> 0:37:19.919
<v Speaker 1>in the middle between the low income and the high

0:37:20.000 --> 0:37:23.120
<v Speaker 1>it's like it's going to be underserved, like minority students.

0:37:24.160 --> 0:37:27.040
<v Speaker 1>So it's more so if you have cousins, you know, siblings,

0:37:27.160 --> 0:37:29.680
<v Speaker 1>younger siblings who are heading into college. Just make sure.

0:37:29.800 --> 0:37:30.719
<v Speaker 1>I wish that I had.

0:37:31.440 --> 0:37:34.319
<v Speaker 2>I got lucky that I was too cheap to pay,

0:37:34.920 --> 0:37:36.520
<v Speaker 2>Like I don't know, my mom told me not to

0:37:36.600 --> 0:37:38.640
<v Speaker 2>like take out student loans for my housing and stuff

0:37:38.680 --> 0:37:40.480
<v Speaker 2>like that, so I only graduated with like eight K

0:37:41.080 --> 0:37:43.920
<v Speaker 2>as well on Elie, But I feel like if I

0:37:43.960 --> 0:37:47.240
<v Speaker 2>had just gotten some counseling even out my own campus

0:37:47.400 --> 0:37:51.000
<v Speaker 2>y before I said yes, and let me re up

0:37:51.000 --> 0:37:55.400
<v Speaker 2>this loan semester for semester. Yeah, I think that, like

0:37:55.440 --> 0:37:59.239
<v Speaker 2>you said, that is so missing, But does it really

0:37:59.280 --> 0:38:03.680
<v Speaker 2>incentive the school to have somebody there to do that.

0:38:03.680 --> 0:38:04.920
<v Speaker 1>That's the whole thing for me.

0:38:05.239 --> 0:38:08.759
<v Speaker 2>What ended up happening was I went to USC was

0:38:08.880 --> 0:38:13.319
<v Speaker 2>private school at that time. You know, I'm old, so

0:38:13.719 --> 0:38:17.200
<v Speaker 2>twenty two years ago, well that was when I graduated,

0:38:17.280 --> 0:38:22.000
<v Speaker 2>so twenty six years ago. It was forty thousand dollars

0:38:22.040 --> 0:38:26.800
<v Speaker 2>a year, and like, they hit me with that bill

0:38:27.400 --> 0:38:30.000
<v Speaker 2>because we fell in that middle that you were talking about,

0:38:30.080 --> 0:38:32.279
<v Speaker 2>Yan Nelly, and my dad was like, I ain't got

0:38:32.280 --> 0:38:32.719
<v Speaker 2>iron the.

0:38:32.640 --> 0:38:33.200
<v Speaker 1>Moss pay this.

0:38:33.960 --> 0:38:36.160
<v Speaker 2>And so I went to the office and I said,

0:38:36.160 --> 0:38:38.879
<v Speaker 2>my daddy said, he's not paying for it, and they

0:38:38.960 --> 0:38:44.520
<v Speaker 2>was like, I said, to tell you, and they said, okay,

0:38:44.600 --> 0:38:48.919
<v Speaker 2>we'll just give you a grant. So I graduated from

0:38:49.000 --> 0:38:52.560
<v Speaker 2>six years at USC undergrad grad school with only forty

0:38:52.560 --> 0:38:56.279
<v Speaker 2>thousand dollars a debt considering because.

0:38:56.960 --> 0:39:01.600
<v Speaker 4>School right that was nursing school or nursing school.

0:39:01.920 --> 0:39:02.479
<v Speaker 1>Nursing school.

0:39:02.560 --> 0:39:06.760
<v Speaker 2>Yeah, so after that at the state school, by the gotcha.

0:39:06.520 --> 0:39:09.120
<v Speaker 4>But a lot of people take that on per year.

0:39:09.440 --> 0:39:10.440
<v Speaker 1>Yes, exactly.

0:39:10.480 --> 0:39:11.280
<v Speaker 4>At that total.

0:39:11.680 --> 0:39:14.160
<v Speaker 3>But you make a good point. You make a really

0:39:14.200 --> 0:39:17.359
<v Speaker 3>good point, Mandy about HBCU struggling. Right now, my sister

0:39:17.360 --> 0:39:20.080
<v Speaker 3>fell out with my sister who is the VP of

0:39:20.160 --> 0:39:22.359
<v Speaker 3>data analytics at Howard University.

0:39:22.560 --> 0:39:25.879
<v Speaker 4>That's right, My sister is doing the damn thing though

0:39:25.880 --> 0:39:30.120
<v Speaker 4>she's about that year mark, kiddos, you know.

0:39:29.440 --> 0:39:30.680
<v Speaker 1>We work hard.

0:39:31.239 --> 0:39:34.160
<v Speaker 3>But so my sister actually recently told me that a

0:39:34.160 --> 0:39:36.400
<v Speaker 3>lot of the data shows and it's not like this

0:39:36.480 --> 0:39:39.359
<v Speaker 3>is some internal thing, like it's very public data that

0:39:39.840 --> 0:39:43.040
<v Speaker 3>the challenge is financial for most students that go to Howard.

0:39:43.320 --> 0:39:45.920
<v Speaker 3>And what you see is that four years. They call

0:39:45.960 --> 0:39:47.640
<v Speaker 3>it a four year degree because most people do a

0:39:47.640 --> 0:39:49.560
<v Speaker 3>bachelor in four years, but a lot of students at

0:39:49.560 --> 0:39:52.640
<v Speaker 3>Howard take five or six years to do that four

0:39:52.680 --> 0:39:55.759
<v Speaker 3>year degree because the finances because personally they end up

0:39:55.760 --> 0:39:57.440
<v Speaker 3>getting like they can't so they pause and they come

0:39:57.480 --> 0:39:59.359
<v Speaker 3>back and they have to extend. So it takes much

0:39:59.440 --> 0:40:01.680
<v Speaker 3>longer because of the finances.

0:40:02.000 --> 0:40:03.200
<v Speaker 4>And that's I think.

0:40:03.120 --> 0:40:05.960
<v Speaker 3>Is a huge piece of this puzzle that even though

0:40:06.000 --> 0:40:08.600
<v Speaker 3>you could you could do all the wiping and forgiveness

0:40:08.600 --> 0:40:10.360
<v Speaker 3>that you want on all the student loans that exist.

0:40:10.560 --> 0:40:14.040
<v Speaker 3>But moving forward though, like what is happening to these

0:40:14.120 --> 0:40:17.680
<v Speaker 3>droves and droves of incoming students that it's not being addressed.

0:40:17.680 --> 0:40:20.600
<v Speaker 3>It's like, Okay, well, we're gonna fix this problem over here,

0:40:20.760 --> 0:40:22.120
<v Speaker 3>but we're not gonna get to the root of it

0:40:22.160 --> 0:40:24.279
<v Speaker 3>when we keep bringing new students into a system that

0:40:24.480 --> 0:40:26.680
<v Speaker 3>is burdening them with that in the first place.

0:40:28.440 --> 0:40:31.120
<v Speaker 1>Hey, ba, fam, We're gonna take a quick break, pay

0:40:31.160 --> 0:40:34.600
<v Speaker 1>some bills, and we'll be right back. Welcome back, bea fam.

0:40:34.680 --> 0:40:37.919
<v Speaker 1>Let's get back to the show. And then they're under

0:40:37.960 --> 0:40:40.560
<v Speaker 1>attack by their own by their own government at the same.

0:40:40.320 --> 0:40:41.839
<v Speaker 4>Time, at the exact same time.

0:40:42.280 --> 0:40:46.640
<v Speaker 1>Let's not have a psychotic spiral, because it's all happening

0:40:46.680 --> 0:40:50.440
<v Speaker 1>all at once. That's the whole thing. It's all happening

0:40:50.480 --> 0:40:54.160
<v Speaker 1>all at once. How are y' all coping it is?

0:40:54.320 --> 0:40:57.600
<v Speaker 1>We're heading into mental health months? This is That's it.

0:40:57.719 --> 0:41:00.560
<v Speaker 2>Like the only thing I'm like looking for or too,

0:41:00.800 --> 0:41:03.960
<v Speaker 2>is like being able to escape the rat race and

0:41:04.080 --> 0:41:05.960
<v Speaker 2>what that looks like for me, Like that's the only

0:41:05.960 --> 0:41:07.359
<v Speaker 2>thing holding me together right now.

0:41:07.800 --> 0:41:10.719
<v Speaker 1>I ain't gonna lie And you're gonna take charge of

0:41:10.719 --> 0:41:11.640
<v Speaker 1>your kids education?

0:41:12.520 --> 0:41:17.319
<v Speaker 5>Yes, yes, So when I did teach for America, they

0:41:17.360 --> 0:41:21.640
<v Speaker 5>taught us in this like super speedy like training program

0:41:21.719 --> 0:41:23.440
<v Speaker 5>they call Institute Summer Institute training.

0:41:23.719 --> 0:41:25.759
<v Speaker 4>So you basically if you do teach for America, you

0:41:25.800 --> 0:41:28.000
<v Speaker 4>don't get the four years to study education.

0:41:28.120 --> 0:41:30.680
<v Speaker 3>Most people just come in and do two years of teaching,

0:41:30.680 --> 0:41:33.000
<v Speaker 3>but they have to give you like a master's in

0:41:33.080 --> 0:41:35.839
<v Speaker 3>education in like four weeks over the summer and then

0:41:35.920 --> 0:41:36.760
<v Speaker 3>you're in the classroom.

0:41:36.840 --> 0:41:39.800
<v Speaker 4>So I know, the really fast like program.

0:41:39.880 --> 0:41:42.000
<v Speaker 3>But one of the biggest things that I got from

0:41:42.000 --> 0:41:45.040
<v Speaker 3>that training program was it's not just apply. It doesn't

0:41:45.080 --> 0:41:47.080
<v Speaker 3>just apply to teaching, But it was this idea that

0:41:47.160 --> 0:41:50.040
<v Speaker 3>as a teacher, there is so much going on because

0:41:50.040 --> 0:41:51.839
<v Speaker 3>you're in a school building that's part of a larger

0:41:51.880 --> 0:41:53.960
<v Speaker 3>school district of many different schools, that's part of a

0:41:54.040 --> 0:41:56.840
<v Speaker 3>much larger state with lots of schools, much larger national

0:41:57.000 --> 0:41:57.720
<v Speaker 3>education system.

0:41:58.000 --> 0:42:00.600
<v Speaker 4>But you're in your classroom. And so what you can

0:42:00.640 --> 0:42:01.600
<v Speaker 4>focus on, which you.

0:42:01.560 --> 0:42:06.520
<v Speaker 3>Should allow yourself to really put energy towards, is what's

0:42:06.560 --> 0:42:11.200
<v Speaker 3>in your locus of control. Anything that is not within

0:42:11.280 --> 0:42:16.040
<v Speaker 3>your locus of control, it is literally pointless, a waste

0:42:16.120 --> 0:42:19.560
<v Speaker 3>of your time, energy resources, mental energy, Like it is

0:42:19.640 --> 0:42:24.239
<v Speaker 3>a waste to even consider it because it's not in

0:42:24.280 --> 0:42:25.719
<v Speaker 3>your locus of control at.

0:42:25.640 --> 0:42:30.839
<v Speaker 1>All, locus. I like that, you know what I.

0:42:30.120 --> 0:42:32.560
<v Speaker 3>Talk with you about, the locus of control thing, because Nasima,

0:42:32.600 --> 0:42:33.280
<v Speaker 3>that's what you're saying.

0:42:33.320 --> 0:42:35.320
<v Speaker 4>Like, like, what is in my logos of control?

0:42:35.440 --> 0:42:37.279
<v Speaker 3>What I do with my time, what I do with

0:42:37.320 --> 0:42:39.600
<v Speaker 3>my income, with my savings, with my network, what I

0:42:39.640 --> 0:42:41.880
<v Speaker 3>do with my daughters in my home and for me,

0:42:41.960 --> 0:42:43.640
<v Speaker 3>it looks similar in Miami, like I don't have kids

0:42:43.680 --> 0:42:45.279
<v Speaker 3>and all that, but I've been spending a lot more

0:42:45.320 --> 0:42:46.240
<v Speaker 3>time with my friends.

0:42:46.800 --> 0:42:48.680
<v Speaker 4>My friend groups are mostly.

0:42:48.320 --> 0:42:51.400
<v Speaker 3>All people of color, all a lot of them are

0:42:51.480 --> 0:42:54.600
<v Speaker 3>LGBTQ I A plus like we it's a pretty diverse mix,

0:42:54.680 --> 0:42:58.560
<v Speaker 3>especially for living in Miami. In Florida, it's rough out here,

0:42:58.640 --> 0:43:00.919
<v Speaker 3>so we have to find each other. We've been doing

0:43:01.239 --> 0:43:05.080
<v Speaker 3>like brunches at each other's places, getting together to do workouts.

0:43:05.120 --> 0:43:06.520
<v Speaker 4>I just did yoga with to with my girls the

0:43:06.600 --> 0:43:08.000
<v Speaker 4>other day, Like we have to.

0:43:08.080 --> 0:43:09.840
<v Speaker 3>I just have to lean on my people because that

0:43:09.880 --> 0:43:12.600
<v Speaker 3>way it reminds me like even though the new cycles crazy,

0:43:12.600 --> 0:43:14.120
<v Speaker 3>even though a lot of these people around us do

0:43:14.239 --> 0:43:17.279
<v Speaker 3>have backwards thought processes and beliefs, but like we got

0:43:17.280 --> 0:43:18.879
<v Speaker 3>each other, and we all we got and we're here,

0:43:19.000 --> 0:43:21.000
<v Speaker 3>like let's lean on that because it's gonna get us

0:43:21.000 --> 0:43:23.960
<v Speaker 3>through these couple of years. Is as wild a is

0:43:24.000 --> 0:43:26.720
<v Speaker 3>it gonna get like your people are all you got,

0:43:26.880 --> 0:43:29.359
<v Speaker 3>And like, for me, I've been doubling down on that

0:43:29.480 --> 0:43:31.719
<v Speaker 3>and just like helping us as I can with what

0:43:31.800 --> 0:43:33.520
<v Speaker 3>I can offer them, which is like, hey, let's sit

0:43:33.560 --> 0:43:35.120
<v Speaker 3>down and help you with your finances.

0:43:35.520 --> 0:43:35.759
<v Speaker 4>You know.

0:43:35.840 --> 0:43:37.120
<v Speaker 3>I just had a call the other day with one

0:43:37.120 --> 0:43:39.439
<v Speaker 3>of my friends who's like, I'm doing a gig through

0:43:39.440 --> 0:43:42.200
<v Speaker 3>my consulting business with Google. They're gonna pay me six

0:43:42.239 --> 0:43:44.440
<v Speaker 3>figures to do this mentorship program with a lot of

0:43:44.480 --> 0:43:47.640
<v Speaker 3>students doing this Google coming into Google, and I don't

0:43:47.640 --> 0:43:48.439
<v Speaker 3>know what to do with the money.

0:43:48.480 --> 0:43:50.000
<v Speaker 4>I was like, gir, I got you. We're gonna speak

0:43:50.239 --> 0:43:52.280
<v Speaker 4>and I was zom for an hour talk about all.

0:43:52.160 --> 0:43:54.279
<v Speaker 3>Like let's just be there for each other and hold

0:43:54.320 --> 0:43:57.479
<v Speaker 3>each other down, because that's to me always the best

0:43:57.480 --> 0:43:58.000
<v Speaker 3>thing I can do.

0:43:58.080 --> 0:43:59.960
<v Speaker 4>That is in my locus of contry.

0:44:00.760 --> 0:44:04.600
<v Speaker 1>I love it, maloucas my area of control. Yeah, I mean,

0:44:06.400 --> 0:44:09.839
<v Speaker 1>I mean, not not my entire computer off my hodgepodge

0:44:09.840 --> 0:44:12.440
<v Speaker 1>of books that they're standing on, you know. I was.

0:44:13.600 --> 0:44:17.520
<v Speaker 1>I was talking to Tiffany recently, Yes, my Tiffany are Tiffany,

0:44:18.600 --> 0:44:22.279
<v Speaker 1>And she was like, I think we're one of us

0:44:22.320 --> 0:44:23.960
<v Speaker 1>was having an off day and I was like, if

0:44:23.960 --> 0:44:25.920
<v Speaker 1>it wasn't for my kids, I think they are like

0:44:26.000 --> 0:44:28.799
<v Speaker 1>a meditation in and of themselves because they forced you

0:44:28.880 --> 0:44:30.760
<v Speaker 1>to just if you do it right, just like focus

0:44:30.760 --> 0:44:33.839
<v Speaker 1>on whatever they're focused on. So that helps. Is like

0:44:33.920 --> 0:44:37.719
<v Speaker 1>actually being on the floor playing for me. But to

0:44:37.760 --> 0:44:40.319
<v Speaker 1>your point you Ellie about community. Oh, one of the

0:44:40.320 --> 0:44:44.279
<v Speaker 1>interviews that I'm really excited about I have Nicky No

0:44:44.440 --> 0:44:47.680
<v Speaker 1>Mickey Kendall, the author of Hood Feminism, which came out

0:44:47.800 --> 0:44:50.400
<v Speaker 1>during the pandemic. It's a great book if you guys

0:44:50.680 --> 0:44:52.439
<v Speaker 1>haven't read it. She's working on a new book that's

0:44:52.480 --> 0:44:56.480
<v Speaker 1>incredibly depressing. We're talking about it and it's like no, no,

0:44:56.680 --> 0:44:59.200
<v Speaker 1>even She's like, I don't know how to find uplifting

0:44:59.239 --> 0:45:01.000
<v Speaker 1>part at the end I thought I would come to

0:45:01.120 --> 0:45:04.040
<v Speaker 1>it's all very dystopian, but it's basically about how the

0:45:04.080 --> 0:45:07.000
<v Speaker 1>American dream is gone. Uh it was a lie, which

0:45:07.080 --> 0:45:10.360
<v Speaker 1>we all know. But towards the end of our conversation,

0:45:10.560 --> 0:45:12.719
<v Speaker 1>she was I was. I asked her. I was like, well,

0:45:12.719 --> 0:45:14.120
<v Speaker 1>what do you think is the answer? Like, how do

0:45:14.200 --> 0:45:16.640
<v Speaker 1>we get through this if you she's predicting civil war

0:45:16.680 --> 0:45:21.680
<v Speaker 1>and all these things. Uh. And she said it's community.

0:45:21.800 --> 0:45:24.800
<v Speaker 1>And she came up with an example of like even

0:45:24.840 --> 0:45:27.080
<v Speaker 1>in like it's going to be hyper local, Who were

0:45:27.120 --> 0:45:30.600
<v Speaker 1>the people in your neighborhood? How are y'all bartering and

0:45:30.680 --> 0:45:35.799
<v Speaker 1>trading skills and you know sharing resources? Who has you know,

0:45:36.440 --> 0:45:38.560
<v Speaker 1>who has something to offer other people? And what can

0:45:38.600 --> 0:45:41.560
<v Speaker 1>you share amongst each other? And by the time I

0:45:41.600 --> 0:45:43.319
<v Speaker 1>was done talking to her, I had a group chat

0:45:43.360 --> 0:45:46.800
<v Speaker 1>going with my two neighbors who like me, attempt to

0:45:46.840 --> 0:45:47.840
<v Speaker 1>garden each year.

0:45:47.760 --> 0:45:51.399
<v Speaker 4>And have varying results at gardening day.

0:45:52.000 --> 0:45:54.920
<v Speaker 1>I was like, no, we're gonna well, since then it's escalated,

0:45:54.960 --> 0:45:57.240
<v Speaker 1>I went and I got. I passed by this restaurant

0:45:57.280 --> 0:46:00.440
<v Speaker 1>all the time where they've they've shut down, and fortunately

0:46:00.480 --> 0:46:02.359
<v Speaker 1>it was a great restaurant. But they have all these

0:46:02.400 --> 0:46:06.319
<v Speaker 1>beautiful like these these big like cedar planting beds, like

0:46:06.440 --> 0:46:08.960
<v Speaker 1>raised garden beds in the front of their restaurant, and

0:46:09.000 --> 0:46:11.839
<v Speaker 1>they're just empty. And I happen to know someone who

0:46:11.920 --> 0:46:14.640
<v Speaker 1>had the email for the owner. Long story short, He's like,

0:46:14.719 --> 0:46:19.239
<v Speaker 1>I'll donate three of our these giant planter beds to you,

0:46:19.360 --> 0:46:21.719
<v Speaker 1>and this community garden project, which at that point was

0:46:21.760 --> 0:46:24.799
<v Speaker 1>a text that I started with my friends. So now

0:46:24.800 --> 0:46:27.480
<v Speaker 1>I have a community garden. And now we've chosen like

0:46:27.560 --> 0:46:29.520
<v Speaker 1>my neighbor who's across the way from me, she's gonna

0:46:29.520 --> 0:46:31.640
<v Speaker 1>put it in her yard. She gets the best light,

0:46:31.760 --> 0:46:33.840
<v Speaker 1>and then we can all access it and we're just

0:46:33.880 --> 0:46:37.160
<v Speaker 1>gonna start planting. We're each gonna like take a couple

0:46:37.239 --> 0:46:41.920
<v Speaker 1>of crops. Yet I've got tomatoes and some herbs, and

0:46:41.960 --> 0:46:44.799
<v Speaker 1>then my other neighbor's doing corn and eggplant. Like we're

0:46:44.840 --> 0:46:47.479
<v Speaker 1>trying to spread it so that we're not all trying

0:46:47.520 --> 0:46:49.680
<v Speaker 1>to grow, Like I'm trying to grow all these things

0:46:49.680 --> 0:46:51.399
<v Speaker 1>and I'm failing at it because I can't keep track.

0:46:52.360 --> 0:46:54.520
<v Speaker 1>And now we can like tend to the garden together,

0:46:54.760 --> 0:46:58.759
<v Speaker 1>and we've got co parents for our plant babies, so

0:46:58.920 --> 0:47:01.120
<v Speaker 1>like if one of us is vacation, the other one

0:47:01.120 --> 0:47:03.080
<v Speaker 1>can show up and like water them or whatever the

0:47:03.080 --> 0:47:04.919
<v Speaker 1>hell you got to do to plans. I don't know, Yeah,

0:47:05.520 --> 0:47:07.839
<v Speaker 1>pick off the big caterpillars that try to eat them.

0:47:08.200 --> 0:47:11.239
<v Speaker 3>I love that we need that, and we need that

0:47:11.239 --> 0:47:13.840
<v Speaker 3>that model, Mandy, I feel like that model applies to

0:47:13.880 --> 0:47:14.920
<v Speaker 3>so many other contexts.

0:47:14.920 --> 0:47:15.480
<v Speaker 4>Like I just heard.

0:47:15.520 --> 0:47:19.320
<v Speaker 3>I was watching Instagram content from Delina Meddin. She's a

0:47:19.320 --> 0:47:21.480
<v Speaker 3>good friend of mine. She's also a celebrity makeup artist,

0:47:21.800 --> 0:47:24.840
<v Speaker 3>and she was talking about how within her space, like

0:47:24.880 --> 0:47:28.279
<v Speaker 3>beauty and makeup in that industry the hardest thing about

0:47:28.320 --> 0:47:31.320
<v Speaker 3>trying to tell people to do community and like small

0:47:31.360 --> 0:47:33.880
<v Speaker 3>businesses and like black owned women brands and Latina on

0:47:33.960 --> 0:47:36.800
<v Speaker 3>women brands, Like it's hard because of shipping. The shipping

0:47:36.800 --> 0:47:39.480
<v Speaker 3>and handling is like the most expensive part. Like you

0:47:39.560 --> 0:47:42.120
<v Speaker 3>might order a mescarra that costs her twenty thirty bucks,

0:47:42.160 --> 0:47:44.279
<v Speaker 3>and all of a sudden, the shipping is like seven dollars,

0:47:44.320 --> 0:47:46.360
<v Speaker 3>and all of a sudden, a third of the price

0:47:46.480 --> 0:47:48.600
<v Speaker 3>is gone to shipping, and you're like, nah, I'm gonna

0:47:48.600 --> 0:47:51.640
<v Speaker 3>just get this on ambagon Amazon. That's so it's so

0:47:51.800 --> 0:47:55.240
<v Speaker 3>hard to like leave. But her message, which I loved,

0:47:55.280 --> 0:47:57.880
<v Speaker 3>I saved her real about this because I was like

0:47:57.880 --> 0:47:59.759
<v Speaker 3>I got to come back to this was like we

0:48:00.000 --> 0:48:01.920
<v Speaker 3>didn't get in our group chat. All the girls we

0:48:02.040 --> 0:48:03.960
<v Speaker 3>all buying the same as Cat, We all buying this,

0:48:04.360 --> 0:48:06.640
<v Speaker 3>you know, buttery skin whatever, were all doing it, So

0:48:07.000 --> 0:48:08.360
<v Speaker 3>why don't we all get in here and go like

0:48:08.400 --> 0:48:11.480
<v Speaker 3>all right, I'm gonna place the order. What do y'all need?

0:48:11.680 --> 0:48:13.799
<v Speaker 4>Well, I'll get it all. We split you all paid.

0:48:13.800 --> 0:48:15.600
<v Speaker 3>We're paid out just like a dinner or a bunch

0:48:15.640 --> 0:48:17.800
<v Speaker 3>of a birthday event. And then we split the shipping

0:48:17.840 --> 0:48:19.920
<v Speaker 3>and handling so it's a couple bucks each instead of

0:48:20.000 --> 0:48:23.000
<v Speaker 3>each one of us placing a separate order. And then

0:48:23.120 --> 0:48:26.160
<v Speaker 3>we can actually use Amazon less or have the goal

0:48:26.280 --> 0:48:29.279
<v Speaker 3>aspiration within sight to eventually not use it. And I

0:48:29.320 --> 0:48:31.640
<v Speaker 3>just thought that was so powerful because, like you said, Mandy,

0:48:31.760 --> 0:48:35.719
<v Speaker 3>like you so simple, It seems so simple, right, it's just.

0:48:35.640 --> 0:48:37.040
<v Speaker 1>It, that's other people for help.

0:48:37.680 --> 0:48:39.759
<v Speaker 3>Yes, And we all already doing a lot of this

0:48:39.800 --> 0:48:44.000
<v Speaker 3>stuff anyway. We just got to like unsilo the way

0:48:44.120 --> 0:48:46.000
<v Speaker 3>we do so we all doing stuff in silos like

0:48:46.080 --> 0:48:46.960
<v Speaker 3>why why?

0:48:47.280 --> 0:48:49.160
<v Speaker 2>Well, that's exactly what I was about to say, Like

0:48:49.200 --> 0:48:51.279
<v Speaker 2>then we have to kind of question, like when did

0:48:51.320 --> 0:48:54.200
<v Speaker 2>we give from this community model that we all have

0:48:54.600 --> 0:48:59.239
<v Speaker 2>used to know into like these hyper independent like structures

0:48:59.280 --> 0:49:02.160
<v Speaker 2>where it's just like you and maybe one other person

0:49:02.400 --> 0:49:03.400
<v Speaker 2>or you by yourself.

0:49:03.520 --> 0:49:04.480
<v Speaker 1>Especially for black.

0:49:04.320 --> 0:49:07.240
<v Speaker 2>Women, I don't know, like that's been shoved down our throat,

0:49:07.320 --> 0:49:09.919
<v Speaker 2>like independent women, you can do it yourself, you don't

0:49:09.960 --> 0:49:12.680
<v Speaker 2>need nobody. All that kind of stuff like where did

0:49:12.680 --> 0:49:16.600
<v Speaker 2>this hyperindependence come from? When we know like everything has

0:49:16.840 --> 0:49:21.320
<v Speaker 2>traditionally been rooted in that village structure, in that family

0:49:21.360 --> 0:49:25.879
<v Speaker 2>and community structure. It's almost like it's intentional. Oh, it's

0:49:25.960 --> 0:49:29.960
<v Speaker 2>quite lucrative for companies if we're all buying one of everything.

0:49:29.960 --> 0:49:33.399
<v Speaker 3>Right well, and politically, yeah, when we think about what's

0:49:33.440 --> 0:49:35.399
<v Speaker 3>going on with politics right now, the world, the way

0:49:35.440 --> 0:49:38.080
<v Speaker 3>things are moving, it sounds a lot like what's in

0:49:38.120 --> 0:49:42.640
<v Speaker 3>alignment to these ideas of like self sufficient, yourself, up

0:49:43.080 --> 0:49:45.680
<v Speaker 3>for yourself, do for your own, worry about yourself, and

0:49:45.760 --> 0:49:46.239
<v Speaker 3>it's like.

0:49:46.560 --> 0:49:48.800
<v Speaker 1>There's not enough for us all. We must all protect

0:49:48.840 --> 0:49:50.080
<v Speaker 1>our own.

0:49:50.000 --> 0:49:53.000
<v Speaker 3>Yes, you're off it, because then it affects your mindset

0:49:53.000 --> 0:49:54.560
<v Speaker 3>and roots into thinking that like.

0:49:54.600 --> 0:49:56.879
<v Speaker 1>We're coming for yours. It's only yours, and they're coming

0:49:56.920 --> 0:49:57.640
<v Speaker 1>to take it, and.

0:49:59.120 --> 0:50:01.120
<v Speaker 3>I can't be thinking about nobody else. And it's like wait,

0:50:01.239 --> 0:50:04.880
<v Speaker 3>if we actually take a step back and like reflect

0:50:04.920 --> 0:50:08.640
<v Speaker 3>on the bigger picture, the only way is to do

0:50:08.719 --> 0:50:11.759
<v Speaker 3>that super hyper local, community driven stuff, because at the

0:50:11.840 --> 0:50:14.320
<v Speaker 3>end of the day, when you do find yourself completely

0:50:14.320 --> 0:50:16.879
<v Speaker 3>in a siloed doing things for yourself by yourself, that's

0:50:16.880 --> 0:50:19.399
<v Speaker 3>where the frustration sets in that's when you don't see

0:50:19.440 --> 0:50:20.560
<v Speaker 3>yourself making any progress.

0:50:20.560 --> 0:50:23.400
<v Speaker 4>That's when you start to get negative and that negativity festers.

0:50:23.840 --> 0:50:27.200
<v Speaker 3>It's like, nah, that's not that's not what brings It

0:50:27.239 --> 0:50:29.680
<v Speaker 3>is not what brings peace. That's not good for your

0:50:29.680 --> 0:50:33.040
<v Speaker 3>nervous system. Like that's not what Like that's why we

0:50:33.040 --> 0:50:33.920
<v Speaker 3>have so much anxiety.

0:50:34.080 --> 0:50:34.520
<v Speaker 1>Honestly.

0:50:34.719 --> 0:50:37.279
<v Speaker 3>So I just I feel like I am with you

0:50:37.320 --> 0:50:39.040
<v Speaker 3>on this, Mandy, if I want that model to like

0:50:39.040 --> 0:50:41.239
<v Speaker 3>apply to all other aspects, all these other aspects of

0:50:41.280 --> 0:50:44.080
<v Speaker 3>our life, to our finances, what the stuff we shop for,

0:50:44.200 --> 0:50:47.160
<v Speaker 3>get groceries, like all this stuff, because I'm like, one

0:50:47.160 --> 0:50:48.319
<v Speaker 3>of the biggest things I've been trying to do.

0:50:48.360 --> 0:50:50.359
<v Speaker 4>Is reduce the plastic that I use.

0:50:50.400 --> 0:50:51.719
<v Speaker 3>And it's so hard because every time I go to

0:50:51.719 --> 0:50:55.560
<v Speaker 3>a supermarket, everything's in plastic, little kate little plastic things.

0:50:56.200 --> 0:50:58.960
<v Speaker 3>Everything's bagged up, individual rat plastic, and I'm like, oh my.

0:50:58.880 --> 0:51:01.800
<v Speaker 1>Gosh, it's hell about it. Europe too. I didn't realize.

0:51:01.920 --> 0:51:02.920
<v Speaker 1>I didn't realize.

0:51:03.040 --> 0:51:04.600
<v Speaker 2>Like even when I go to the grocery store, when

0:51:04.600 --> 0:51:06.640
<v Speaker 2>I get produced, like you know, people put everything in

0:51:06.640 --> 0:51:08.120
<v Speaker 2>a little back. I don't do that, Like I just

0:51:08.160 --> 0:51:10.759
<v Speaker 2>group everything together and then I have a bad one.

0:51:10.840 --> 0:51:14.360
<v Speaker 2>But everything in Europe is like package like that. But

0:51:14.440 --> 0:51:16.359
<v Speaker 2>I don't know if you guys know, but there are

0:51:16.520 --> 0:51:19.640
<v Speaker 2>these like like fire communities. I don't know if you

0:51:19.680 --> 0:51:23.759
<v Speaker 2>guys follow, you know, the campi Fi Steven Bauer like

0:51:23.880 --> 0:51:28.120
<v Speaker 2>he has created like these communities in like the Florida

0:51:28.160 --> 0:51:32.600
<v Speaker 2>and Georgia areas where it's supposed to be a collective community.

0:51:32.920 --> 0:51:37.200
<v Speaker 2>So you know, there's one community lawnmower, there's a community

0:51:37.239 --> 0:51:40.920
<v Speaker 2>center that everybody goes to and shares everything and cooks

0:51:40.960 --> 0:51:46.800
<v Speaker 2>mills together, you know, co opting parenting situations, co opting education,

0:51:47.520 --> 0:51:50.400
<v Speaker 2>like all of these stuff. So these houses are built

0:51:50.640 --> 0:51:54.319
<v Speaker 2>in a subdivision or they bought like a block, right,

0:51:54.680 --> 0:51:58.400
<v Speaker 2>but everybody in there has this like covenant that this

0:51:58.680 --> 0:52:01.919
<v Speaker 2>is a community and this is how and we are

0:52:01.960 --> 0:52:07.239
<v Speaker 2>sharing in all of these resources. And it's very financially intentional,

0:52:07.960 --> 0:52:14.560
<v Speaker 2>very community minded. It's not very diverse right now.

0:52:14.960 --> 0:52:19.600
<v Speaker 1>But but it can be.

0:52:19.960 --> 0:52:24.680
<v Speaker 6>It can be so, but it's just because we don't

0:52:24.680 --> 0:52:26.839
<v Speaker 6>know what we don't know, right and so a lot

0:52:26.880 --> 0:52:30.799
<v Speaker 6>of this stuff has been happening in other communities for

0:52:30.880 --> 0:52:34.560
<v Speaker 6>a long long time, but unfortunately we haven't had access

0:52:34.560 --> 0:52:35.440
<v Speaker 6>to that information.

0:52:36.080 --> 0:52:39.440
<v Speaker 1>So you know, that's why our platforms exist. I can

0:52:39.520 --> 0:52:42.680
<v Speaker 1>already hear people who are thinking, I've tried, but I

0:52:42.680 --> 0:52:44.680
<v Speaker 1>don't have that kind of neighborhood. I don't have those

0:52:44.760 --> 0:52:49.399
<v Speaker 1>kind of neighbors. What would y'all say to that, that

0:52:49.480 --> 0:52:50.120
<v Speaker 1>fear or that.

0:52:50.600 --> 0:52:54.359
<v Speaker 2>I guess always we always, you know, we're experts at

0:52:54.400 --> 0:52:57.160
<v Speaker 2>the naysayers and the and the doubters and all that

0:52:57.239 --> 0:52:59.480
<v Speaker 2>kind of stuff. I think it comes with the territory,

0:53:00.040 --> 0:53:03.200
<v Speaker 2>But I think it's it's about exposure, right. The more

0:53:03.280 --> 0:53:06.759
<v Speaker 2>you see something normalized by people who look like you

0:53:07.160 --> 0:53:10.319
<v Speaker 2>or have shared experiences as you, the more you know

0:53:10.400 --> 0:53:12.719
<v Speaker 2>it's possible. So we just got to keep on leaning

0:53:12.760 --> 0:53:15.560
<v Speaker 2>into these messages and keep on sharing, like we share.

0:53:15.800 --> 0:53:18.400
<v Speaker 1>So that people know that they can do that.

0:53:19.000 --> 0:53:21.840
<v Speaker 2>And I always share my story to the fullest, Like

0:53:21.960 --> 0:53:25.880
<v Speaker 2>you can hear about my divorce, my bankruptcies, my foreclosures,

0:53:25.880 --> 0:53:30.160
<v Speaker 2>my failures, my domestic violence, like all that kind of stuff,

0:53:30.760 --> 0:53:38.280
<v Speaker 2>and say like if she could do and shit, yeah, yeah.

0:53:38.120 --> 0:53:40.840
<v Speaker 1>You know the body that you didn't promote because it

0:53:40.880 --> 0:53:43.759
<v Speaker 1>was so traumatic. See, it doesn't have all of that

0:53:43.800 --> 0:53:45.040
<v Speaker 1>stuff in there, so you.

0:53:45.000 --> 0:53:48.600
<v Speaker 2>Know, oh wait, yeah, we're gonna we're gonna write that

0:53:48.680 --> 0:53:52.359
<v Speaker 2>book you Gotta bring Coffy reds Foot Feminism by Niki Kind.

0:53:52.520 --> 0:53:55.120
<v Speaker 1>No, no, no, no, I'm gonna. Oh, I think you'd

0:53:55.200 --> 0:53:55.799
<v Speaker 1>like it a lot.

0:53:55.920 --> 0:53:59.560
<v Speaker 3>Yeah, so important because it does address all like it's

0:53:59.600 --> 0:54:03.000
<v Speaker 3>a disc service to only post what you've accomplished and

0:54:03.040 --> 0:54:05.560
<v Speaker 3>not all the adversity that you had to overcome to

0:54:06.040 --> 0:54:07.759
<v Speaker 3>be to be a success.

0:54:07.440 --> 0:54:08.920
<v Speaker 4>Story, because at the end of the day, it makes

0:54:08.960 --> 0:54:10.799
<v Speaker 4>everybody think, oh, Okay, here's a goodie, go to app

0:54:11.040 --> 0:54:11.880
<v Speaker 4>No it's not.

0:54:12.120 --> 0:54:15.040
<v Speaker 3>It's not that, And that's the only way to actually

0:54:15.040 --> 0:54:16.760
<v Speaker 3>do it in a way that serves everybody who watches

0:54:16.800 --> 0:54:18.640
<v Speaker 3>your content to know the real deal, to know what

0:54:18.760 --> 0:54:21.560
<v Speaker 3>actually happened and the whole picture, not.

0:54:21.640 --> 0:54:24.840
<v Speaker 4>Just the social media pretty parts, right, because that's that's important.

0:54:25.120 --> 0:54:26.840
<v Speaker 3>But I really, honestly, I do feel like if you

0:54:26.880 --> 0:54:28.680
<v Speaker 3>live in an area that's not really like, that's not

0:54:28.719 --> 0:54:31.520
<v Speaker 3>designed like that, just go a little bit further out,

0:54:31.680 --> 0:54:34.960
<v Speaker 3>like it's for example, in Brooklyn, like where I grew up. Honestly,

0:54:34.960 --> 0:54:37.000
<v Speaker 3>I'm not gonna lie in Bushwick. It probably wouldn't have

0:54:37.000 --> 0:54:40.600
<v Speaker 3>worked necessarily unless it was a very specific group of

0:54:40.680 --> 0:54:43.959
<v Speaker 3>like families, because once I started growing up Bushwick started

0:54:44.040 --> 0:54:47.040
<v Speaker 3>changing so much and gentrification hit hard. So I would

0:54:47.080 --> 0:54:49.080
<v Speaker 3>see people and then like a couple months later, they

0:54:49.080 --> 0:54:49.960
<v Speaker 3>wouldn't live there anymore.

0:54:50.000 --> 0:54:51.520
<v Speaker 4>I'd be like, wait, what's going on? All they sold?

0:54:51.640 --> 0:54:53.600
<v Speaker 4>They left? Oh there's you know this new business took over.

0:54:53.640 --> 0:54:56.400
<v Speaker 3>The bodega is now a bakery. And it's like it

0:54:56.400 --> 0:54:58.200
<v Speaker 3>would change so fast it was hard to get a

0:54:58.239 --> 0:55:00.799
<v Speaker 3>sense of like that community. I still feel like if

0:55:00.840 --> 0:55:03.120
<v Speaker 3>you go a little bit further out, like five Boroughs.

0:55:03.280 --> 0:55:05.759
<v Speaker 3>While it's a little far to go from Brooklyn to

0:55:05.800 --> 0:55:10.160
<v Speaker 3>the Bronx or whatever, even that is enough to find

0:55:10.360 --> 0:55:12.880
<v Speaker 3>people that are serious about Like if it's a Facebook

0:55:12.920 --> 0:55:16.040
<v Speaker 3>group for like the Five Boroughs no spend, like you know,

0:55:16.600 --> 0:55:20.839
<v Speaker 3>no trying to like do no spend where like oh,

0:55:20.920 --> 0:55:24.799
<v Speaker 3>you know, we have this uh stroller, our babies doesn't

0:55:24.840 --> 0:55:28.120
<v Speaker 3>need it anymore instead of like you know, putting it,

0:55:28.280 --> 0:55:30.320
<v Speaker 3>throwing it outside or putting it in the garage.

0:55:30.400 --> 0:55:35.360
<v Speaker 2>Like yeah, the buy the buy nothing groups, that's huge.

0:55:35.400 --> 0:55:35.520
<v Speaker 4>Way.

0:55:36.520 --> 0:55:38.879
<v Speaker 3>My brother's wife, my sister in law, she recently joined

0:55:38.880 --> 0:55:41.040
<v Speaker 3>the buy nothing group for the Five Boroughs and she's like,

0:55:41.080 --> 0:55:43.840
<v Speaker 3>you don't understand, this is amazing. Little things, little things

0:55:43.920 --> 0:55:47.040
<v Speaker 3>like a little toy that she saw on there. There

0:55:47.120 --> 0:55:49.040
<v Speaker 3>was like anybody who can come by and pick it

0:55:49.120 --> 0:55:50.280
<v Speaker 3>up is yours.

0:55:50.440 --> 0:55:55.239
<v Speaker 2>I just got bikes, I've gotten everything, bikes, strollers, and

0:55:55.280 --> 0:55:57.920
<v Speaker 2>I've given away the same thing, like and then you

0:55:58.120 --> 0:56:00.680
<v Speaker 2>I find somebody that like pass down my kids clothes

0:56:00.680 --> 0:56:04.399
<v Speaker 2>to like that means everything versus.

0:56:03.840 --> 0:56:06.279
<v Speaker 1>Like giving stuff to the good will, Like.

0:56:06.440 --> 0:56:08.200
<v Speaker 4>Right, it's a girl.

0:56:08.480 --> 0:56:11.040
<v Speaker 3>A lot of my sisters, they all of my sisters

0:56:11.040 --> 0:56:13.680
<v Speaker 3>have children except for me, every single one of them.

0:56:13.840 --> 0:56:16.440
<v Speaker 3>When they've gone through the process, they will bag up

0:56:16.480 --> 0:56:19.520
<v Speaker 3>all the clothes from their youngest and pass it down

0:56:19.560 --> 0:56:21.680
<v Speaker 3>to the next sister who just had a baby, so

0:56:21.920 --> 0:56:23.759
<v Speaker 3>that there's not this constant we have to go out

0:56:23.760 --> 0:56:26.279
<v Speaker 3>and buy a whole bunch of new stuff for this baby,

0:56:26.320 --> 0:56:27.919
<v Speaker 3>a whole bunch of It's been a lot of hand

0:56:27.960 --> 0:56:30.359
<v Speaker 3>me down stuff. And I feel like there's sometimes when

0:56:30.360 --> 0:56:34.520
<v Speaker 3>I'm in certain certain environments, bougier kind of groups, there's

0:56:34.560 --> 0:56:37.640
<v Speaker 3>this ick, like it gives them this ick to think like, oh, no,

0:56:37.640 --> 0:56:42.040
<v Speaker 3>I'm buying my my stuff new. I don't know, child,

0:56:42.360 --> 0:56:43.560
<v Speaker 3>that's what they want you.

0:56:43.560 --> 0:56:46.479
<v Speaker 2>To wash your machines, Like those clothes are probably cleaning

0:56:46.520 --> 0:56:48.480
<v Speaker 2>and the clothes you're getting off the rack, honey.

0:56:48.680 --> 0:56:50.560
<v Speaker 3>But that's also how they want us to think, because

0:56:51.360 --> 0:56:54.680
<v Speaker 3>that way, the more Amazon prevails, the more the more new,

0:56:54.719 --> 0:56:57.440
<v Speaker 3>brand new new stuff, and it's so bad for us

0:56:57.440 --> 0:56:58.280
<v Speaker 3>in so many ways.

0:56:58.320 --> 0:56:59.759
<v Speaker 4>So I just feel like the more we.

0:56:59.760 --> 0:57:02.319
<v Speaker 3>Can go in the opposite direction, the better it is

0:57:02.360 --> 0:57:04.239
<v Speaker 3>for us in all these aspects of our lives that

0:57:04.239 --> 0:57:07.600
<v Speaker 3>we're talking about, right, like the environment, your finances, your

0:57:07.640 --> 0:57:10.400
<v Speaker 3>mental health, your feeling of connectedness to your community.

0:57:10.400 --> 0:57:12.759
<v Speaker 4>There's so many things. Just that small interaction.

0:57:12.960 --> 0:57:13.080
<v Speaker 1>Right.

0:57:13.160 --> 0:57:14.840
<v Speaker 3>My sister in law was telling me she left school

0:57:15.239 --> 0:57:18.440
<v Speaker 3>and she routed her drive back home to stop along

0:57:18.480 --> 0:57:20.120
<v Speaker 3>the way at the house of this woman and the

0:57:20.120 --> 0:57:21.720
<v Speaker 3>buy nothing group where she could pick up the little

0:57:21.760 --> 0:57:24.120
<v Speaker 3>toy for the baby. And when she stopped by, she

0:57:24.160 --> 0:57:26.160
<v Speaker 3>had a quick, just a ten minute chat with this woman.

0:57:26.480 --> 0:57:28.920
<v Speaker 3>They had a cute little conversation. She got the toy,

0:57:29.080 --> 0:57:31.640
<v Speaker 3>she was like, thank you so much, and that little thing,

0:57:31.800 --> 0:57:34.360
<v Speaker 3>just like that little interaction that normally wouldn't happen, she

0:57:34.360 --> 0:57:36.880
<v Speaker 3>would just go straight home, right, It just uplifted her spirit.

0:57:36.880 --> 0:57:38.600
<v Speaker 3>That day was so much better. She made a connection.

0:57:38.680 --> 0:57:40.600
<v Speaker 3>She met this woman. She stopped on a different route

0:57:40.600 --> 0:57:42.600
<v Speaker 3>on the way home, like These are the tiny little

0:57:42.640 --> 0:57:45.800
<v Speaker 3>things throughout life that cause life can just get so grueling.

0:57:45.880 --> 0:57:47.760
<v Speaker 4>It's like day in and day out them and not

0:57:47.880 --> 0:57:50.320
<v Speaker 4>any of it. Oh and then we get so unhappy.

0:57:50.840 --> 0:57:53.320
<v Speaker 3>And these tiny little things to change up your day

0:57:53.680 --> 0:57:57.040
<v Speaker 3>can make a big difference on how your mindset, like

0:57:57.160 --> 0:57:59.000
<v Speaker 3>how you start to feel, how you think, and it's

0:57:59.040 --> 0:58:01.680
<v Speaker 3>all up here of course, but just even just that joy, bro,

0:58:01.760 --> 0:58:03.040
<v Speaker 3>we need a little bit of that joy back in

0:58:03.080 --> 0:58:03.560
<v Speaker 3>our lives.

0:58:03.840 --> 0:58:08.640
<v Speaker 1>Mm hmm. Amen. Well, I think that's a wonderful message

0:58:08.720 --> 0:58:10.439
<v Speaker 1>for be a fan. Like I want to hear about

0:58:10.480 --> 0:58:13.840
<v Speaker 1>your community gardens. I mean, like also your struggle gardens,

0:58:13.840 --> 0:58:16.520
<v Speaker 1>because I think the real real like me, And what

0:58:16.720 --> 0:58:19.440
<v Speaker 1>no I spoke about with Mickey was like how people

0:58:19.480 --> 0:58:22.000
<v Speaker 1>want perfection in their communities, like even you, you know,

0:58:22.080 --> 0:58:25.720
<v Speaker 1>put the asterisk with the campfire, dude, and like you

0:58:25.760 --> 0:58:29.080
<v Speaker 1>know it not being diverse listen, like it's going to

0:58:29.120 --> 0:58:33.280
<v Speaker 1>be imperfection everywhere while we try to figure it out.

0:58:33.360 --> 0:58:36.800
<v Speaker 1>And you know, I think conflict is gonna come with

0:58:37.120 --> 0:58:41.160
<v Speaker 1>I think, you know, interpersonal conflict, Like we're all gonna

0:58:41.200 --> 0:58:43.240
<v Speaker 1>get the more we lean into community, the more we're

0:58:43.280 --> 0:58:45.560
<v Speaker 1>gonna have to anticipate there's gonna be conflict. We're gonna

0:58:45.560 --> 0:58:48.160
<v Speaker 1>have to get through things together and learn how to.

0:58:48.200 --> 0:58:52.040
<v Speaker 1>And I think that that friction is what people have become.

0:58:52.960 --> 0:58:55.720
<v Speaker 1>It's not even about like the money sometimes or you know,

0:58:56.200 --> 0:58:58.120
<v Speaker 1>it's like, oh, I don't want it to deal with people.

0:58:58.640 --> 0:59:01.479
<v Speaker 1>I don't want to and like what if people are

0:59:01.560 --> 0:59:04.240
<v Speaker 1>like what if they are inconvenient to me? But I

0:59:04.280 --> 0:59:07.120
<v Speaker 1>think that's a muscle that we need to be working

0:59:07.400 --> 0:59:11.880
<v Speaker 1>like that is what community is putting yourself maybe a

0:59:11.920 --> 0:59:13.920
<v Speaker 1>little bit out of your way or out of you know,

0:59:14.200 --> 0:59:16.760
<v Speaker 1>doing something inconvenient for the good of the community. And

0:59:16.800 --> 0:59:21.760
<v Speaker 1>that's like a mentality anti consumerism to me that I'm

0:59:21.800 --> 0:59:24.680
<v Speaker 1>excited to like model for my kids and for myself.

0:59:24.720 --> 0:59:26.880
<v Speaker 1>And I'll keep you out posted on the garden and

0:59:26.880 --> 0:59:28.920
<v Speaker 1>we'll let you know how it goes. If you'll be

0:59:28.960 --> 0:59:32.240
<v Speaker 1>like we're fighting over the tomato hall, like who knows right?

0:59:32.680 --> 0:59:34.840
<v Speaker 1>If well Kanie messes up the corn, we're all gonna

0:59:34.840 --> 0:59:36.720
<v Speaker 1>like ouster, I'm getting it'll be fine.

0:59:39.200 --> 0:59:41.680
<v Speaker 3>But they use the model too, because like I do

0:59:41.760 --> 0:59:44.440
<v Speaker 3>feel like we have the model interacting with other humans

0:59:44.440 --> 0:59:46.880
<v Speaker 3>that we don't you know, like yeah, kids nowadays is

0:59:47.000 --> 0:59:49.320
<v Speaker 3>so stuck to the iPad. It will stuck to the phones.

0:59:48.960 --> 0:59:51.160
<v Speaker 1>Like they don't know how to interact out.

0:59:51.120 --> 0:59:53.480
<v Speaker 4>And interact with other people. Your child will see you

0:59:53.640 --> 0:59:54.000
<v Speaker 4>doing that.

0:59:54.240 --> 0:59:57.760
<v Speaker 2>All this is I ill myself to interact for twelve

0:59:57.760 --> 0:59:58.560
<v Speaker 2>hours in the car.

1:00:00.880 --> 1:00:03.520
<v Speaker 1>I admire you. I'm gonna clap let's clap it up

1:00:03.560 --> 1:00:09.360
<v Speaker 1>for that girl. It was a tour de force. But

1:00:09.360 --> 1:00:11.000
<v Speaker 1>by the end of it, my little five year old

1:00:11.000 --> 1:00:14.760
<v Speaker 1>he was reading books by himself and continuing that, like,

1:00:15.200 --> 1:00:18.040
<v Speaker 1>it really does make all the difference. It's so goddamn hard.

1:00:18.080 --> 1:00:20.200
<v Speaker 1>But I also feel like, well, I didn't have these kids,

1:00:20.200 --> 1:00:20.880
<v Speaker 1>so it's up to me.

1:00:21.240 --> 1:00:24.680
<v Speaker 3>But also you didn't have I've had when you were

1:00:24.720 --> 1:00:26.400
<v Speaker 3>five years old in the car with mom and dad.

1:00:26.320 --> 1:00:28.240
<v Speaker 1>Like I used to spend a lot of time with them,

1:00:28.240 --> 1:00:30.080
<v Speaker 1>Giga pets, though they only did like three things what

1:00:30.160 --> 1:00:37.920
<v Speaker 1>I could think. They got the Pokemon game Boy. I'm

1:00:37.960 --> 1:00:39.919
<v Speaker 1>like that had like one level. But I was sad.

1:00:42.840 --> 1:00:44.560
<v Speaker 3>But we got to go back to all that. Listen,

1:00:44.640 --> 1:00:48.120
<v Speaker 3>the simplicity of it having in the car, having books car.

1:00:49.280 --> 1:00:51.160
<v Speaker 4>We can do it, y'all, we can can't.

1:00:51.160 --> 1:00:54.160
<v Speaker 1>We can do it, but you know, for the emergency

1:00:54.160 --> 1:00:55.760
<v Speaker 1>times you keep those headphones in the ema and you

1:00:55.800 --> 1:01:02.040
<v Speaker 1>keep them ready for the car in the car all rights.

1:01:02.080 --> 1:01:04.120
<v Speaker 1>Thank y'all so much for joining me on the brown

1:01:04.160 --> 1:01:07.040
<v Speaker 1>table today. Thanks for getting me out of my book cave.

1:01:07.200 --> 1:01:08.360
<v Speaker 1>I'm about to go back in it.

1:01:09.080 --> 1:01:11.120
<v Speaker 2>The clock is ticking, so I got to pick up

1:01:11.120 --> 1:01:14.040
<v Speaker 2>those children. This girl's two forty.

1:01:14.080 --> 1:01:15.760
<v Speaker 1>I gotta have the rest of the manuscript done in

1:01:15.800 --> 1:01:18.720
<v Speaker 1>two point one hour or so. Oh, let's go. You

1:01:19.320 --> 1:01:24.520
<v Speaker 1>got this, you got it. I'll eat later, all right,

1:01:24.520 --> 1:01:26.840
<v Speaker 1>ba fam. Until next time, please stay tuned for all

1:01:26.880 --> 1:01:30.680
<v Speaker 1>the fun content that I'm planning for mental health May

1:01:31.080 --> 1:01:33.800
<v Speaker 1>and yeah, just thank y'all. Where can they find y'all?

1:01:33.840 --> 1:01:36.360
<v Speaker 1>Y'a Ellie and Nsima? Where are you at?

1:01:36.920 --> 1:01:37.960
<v Speaker 4>I'm helpful?

1:01:38.040 --> 1:01:40.919
<v Speaker 3>Am I sspe helpful? And you can get a both

1:01:40.960 --> 1:01:42.320
<v Speaker 3>mind your money book dot com?

1:01:43.280 --> 1:01:47.840
<v Speaker 2>Yay, yes, and I am at financially intentional. We'lltly on Instagram,

1:01:48.000 --> 1:01:51.880
<v Speaker 2>but look up Nesima, google me, you'll find me.

1:01:53.160 --> 1:01:55.600
<v Speaker 1>You have a future. I feel like and like like

1:01:56.080 --> 1:01:57.280
<v Speaker 1>voiceover work. I feel like you.

1:01:57.560 --> 1:01:59.480
<v Speaker 3>That's that's good, that's so true.

1:01:59.680 --> 1:01:59.920
<v Speaker 4>You have.

1:02:02.320 --> 1:02:07.240
<v Speaker 1>AI now like close my eyes because it's twelve different people.

1:02:07.880 --> 1:02:11.000
<v Speaker 2>You could Trindy Garden, Inky Garden all right, you go

1:02:11.120 --> 1:02:12.160
<v Speaker 2>have the good time that sinners.

1:02:12.200 --> 1:02:13.480
<v Speaker 1>I want to know what happened. I want to know

1:02:13.520 --> 1:02:17.240
<v Speaker 1>how you like it? Oh, yes, for sure? All right

1:02:18.120 --> 1:02:23.200
<v Speaker 1>bye everybody, Okay va fam, Thank you so much for

1:02:23.320 --> 1:02:25.720
<v Speaker 1>listening to this week's show. I want to shout out

1:02:25.760 --> 1:02:30.520
<v Speaker 1>to our production team, Courtney, our editor, Carla, our fearless

1:02:30.600 --> 1:02:34.200
<v Speaker 1>leader for idea to launch productions. I want to shout

1:02:34.200 --> 1:02:39.000
<v Speaker 1>out my assistant Lauda Escalante and Cameron McNair for helping

1:02:39.040 --> 1:02:41.720
<v Speaker 1>me put the show together. It is not a one

1:02:41.760 --> 1:02:44.919
<v Speaker 1>person project, as much as I have tried to make

1:02:44.960 --> 1:02:48.120
<v Speaker 1>it so these past ten years. I need help, y'all,

1:02:48.520 --> 1:02:50.760
<v Speaker 1>and thank goodness I've been able to put this team

1:02:50.880 --> 1:02:53.640
<v Speaker 1>around me to support me on this journey and to

1:02:53.800 --> 1:02:56.200
<v Speaker 1>y'all be a fam. I love you so so so

1:02:56.240 --> 1:02:59.720
<v Speaker 1>so much. Please rate, review, subscribe, make sure you're sign

1:02:59.800 --> 1:03:02.320
<v Speaker 1>up to newsletter to get all the latest updates on

1:03:02.440 --> 1:03:07.640
<v Speaker 1>upcoming episodes, our tenth year anniversary celebrations to come, and

1:03:07.960 --> 1:03:11.200
<v Speaker 1>until next time, talk to you soon. Ba bye