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Speaker 1: What's up.

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Speaker 2: It's way up at Angela Yee.

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Speaker 3: I'm Angela Yee and it is one of my favorite days,

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Speaker 3: a Wednesday, a Wealth Wednesday, and my partner, Stacy Tisdale

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Speaker 3: is here.

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Speaker 4: Happy Wealth Wednesday. Everybody, Happy New Year. We said we

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Speaker 4: should still be saying that, but we are because it

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Speaker 4: is our first Wealth Wednesdays of the year and it

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Speaker 4: is going to be so special. We're so excited because

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Speaker 4: we have once again the one, the only, the budget niece.

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Speaker 4: She has got such an incredible thing that she's doing

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Speaker 4: next week that is going to change all of our lives.

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Speaker 4: And of course she's doing it for free, and she's

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Speaker 4: doing it in partnership, and she's doing it in partnership

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Speaker 4: with an incredible company called Credit rent Boost. What you're

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Speaker 4: all gonna love hearing about. And how psyched are we

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Speaker 4: that we have another sister girl as the CEO of

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Speaker 4: Credit rent Boost, Miss Elson Sanchez here joining us as well.

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Speaker 5: Okay, I'm so excited to be here.

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Speaker 3: Yeah, yeah, talk to us about Credit rent Boost because

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Speaker 3: you know, as a person who's in real estate myself,

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Speaker 3: and every single day I'm looking at different stories about

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Speaker 3: what's going on with buying versus renting and how important

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Speaker 3: it is with your credit and how the interest rates

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Speaker 3: are right now. So what is Credit rent Boost.

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Speaker 5: So Credit rent Boost we're a national rent reporting company,

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Speaker 5: so we about a month ago. We just recently got

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Speaker 5: approved to report in Canada as well, so we'll be

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Speaker 5: bringing out that on this year as well. So we

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Speaker 5: report on time rent payments to the Credit Burrells to

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Speaker 5: help customers increase their credit score.

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Speaker 1: We can report up.

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Speaker 5: To the last twenty four months of the rent history

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Speaker 5: and then ongoing as well.

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Speaker 4: That's really significant.

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Speaker 5: Yeah, and we our customers can see a score increased

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Speaker 5: typically within two weeks of complexity enrollment, so they've they've

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Speaker 5: found a lot of great benefits for enrolling, boosting their score,

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Speaker 5: lowering interest rates as you mentioned, getting into better properties,

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Speaker 5: buying properties as well.

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Speaker 1: How does it work?

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Speaker 5: So what they do is just 'roll through our website,

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Speaker 5: quick easy process and they provide a couple of documents,

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Speaker 5: We verify it, We verify with the landlord as well,

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Speaker 5: and then it gets reported to the Credit Burals.

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Speaker 4: And it's such an amazing service. And the Tiffany's focusing

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Speaker 4: on credit yes this year for her Liverature challenge, which

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Speaker 4: is starting next week, which is a tremendous service for everyone,

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Speaker 4: and she wanted to bring you all into that fold

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Speaker 4: because you can help with her goals so much. The

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Speaker 4: Tiffany tell us about the challenge and why did you

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Speaker 4: choose Credit this year?

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Speaker 6: Well, the Literature Challenge is something I've been doing almost

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Speaker 6: every year for about helped.

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Speaker 4: Over two million people.

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Speaker 1: Over two million people have come through the chow and.

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Speaker 3: Last time you were here, so many people were excited

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Speaker 3: that you know that Tiffany Alite was on the show

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Speaker 3: the budget and he says, so many people have were

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Speaker 3: like I can give my own testimony how much you

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Speaker 3: help me.

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Speaker 1: Thank you Honestly.

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Speaker 6: The woman downstairs when I was checking in, she was like,

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Speaker 6: I just want you to know I love you.

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Speaker 4: But no.

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Speaker 6: So the challenge is something I've been doing for about

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Speaker 6: ten years. It's always been free, and this year about

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Speaker 6: three hundred thousand people are already signed up for the

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Speaker 6: Credit edition of the challenge.

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Speaker 1: So every year we choose a different edition.

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Speaker 6: And what happens is at the end of the challenge,

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Speaker 6: we do a survey to say what do you want

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Speaker 6: to know for next year? And Credit hands down was like,

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Speaker 6: this is what we want to get on board for

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Speaker 6: twenty twenty four. It's twenty two days.

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Speaker 1: So y'all know I used to be an educator. I

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Speaker 1: was a teacher. I've got my master's in education. Okay,

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Speaker 1: talk about it.

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Speaker 6: And so it's a twenty two day email course and

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Speaker 6: we're really excited because we have a new app that's

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Speaker 6: also free that's gonna come along with the challenge. It

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Speaker 6: starts January fifteenth, which is a Monday, but you.

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Speaker 2: Have Mind Luther King Day by the way, Okay, we

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Speaker 2: don't get free.

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Speaker 6: At and so but you have to sign up by

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Speaker 6: January fourteenth because we are closing doors because it is live,

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Speaker 6: and so we're gonna be collectively doing hundreds of thousands

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Speaker 6: of us will be collectively doing the challenge together.

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Speaker 1: And and if you don't get in, that's.

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Speaker 6: Okay because we will do another cohort again in February

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Speaker 6: and then after that. But the the twenty two days

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Speaker 6: starts on March fifteenth, March, I'm sorry, January fifteenth, on Monday.

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Speaker 6: But yeah, it's just a three week challenge where Week

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Speaker 6: one you learn all about what is credit, how do

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Speaker 6: you accumulate it? Why is it what it is? Week

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Speaker 6: two is going to be all about how do you

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Speaker 6: raise your credit score? Because that's what everybody wants to know, yes,

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Speaker 6: you know. And then week three, how do you maintain credit?

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Speaker 5: Right?

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Speaker 1: Because so many people come to me when they're.

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Speaker 6: About to apply for a mortgage or they're about to

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Speaker 6: buy a car, and credit really is like, you need

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Speaker 6: to know me before you need me, right, And so

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Speaker 6: if we can get you ready now, you know, you

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Speaker 6: want you to stay ready so you don't have to

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Speaker 6: get ready. So I'm excited about that because twenty twenty

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Speaker 6: four is really going to be the year of credit.

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Speaker 3: Yeah, because some people feel like right now, I'm not

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Speaker 3: in a position to purchase a home with the interest

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Speaker 3: race the way that they are, even though they say

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Speaker 3: when they come back down, it's going to be even

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Speaker 3: more competitive because so many people are waiting.

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Speaker 2: It's a hard thing to gauge.

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Speaker 3: But your credit should be the main thing right now,

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Speaker 3: I tell people, because people will ask me, like I

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Speaker 3: do want to think about buying how stark it or

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Speaker 3: your credit ready today?

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Speaker 4: You know?

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Speaker 3: And I think rent is probably one of the biggest

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Speaker 3: things that we have to pay on a monthly basis,

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Speaker 3: And so that's why something like credit rent. We would

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Speaker 3: love for that to be able to count towards our score.

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Speaker 3: Making all these payments, especially when we're doing what we're

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Speaker 3: supposed to do on time, Why shouldn't that count for

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Speaker 3: our credit?

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Speaker 4: And that's one of the things that's different about the

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Speaker 4: challenge this year. You're incorporating credit rent boost So tell

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Speaker 4: us about that and what made you want to do that.

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Speaker 6: Because first of all, it seems so messed up that

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Speaker 6: if you do one thing you call for on they're like, oh,

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Speaker 6: it's all your credit report, right, And then if you

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Speaker 6: do all these things right, they're like, yeah, that kind

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Speaker 6: of doesn't count towards your credit, and so that's really.

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Speaker 1: Like, it's unfair.

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Speaker 6: So I love credit rent boosts because it allows something

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Speaker 6: that normally would not go count towards your credit, and

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Speaker 6: they make it count. Because the way you pay your

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Speaker 6: your brant should be an indicator of how you navigate

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Speaker 6: your money, because ultimately, that's what your credit is supposed

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Speaker 6: to be a gauge of. It is your financial GPA

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Speaker 6: of how you manage. So remember your grade point average.

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Speaker 6: Some of y'all you know you had a two point one,

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Speaker 6: you know, three point five, But think about it. So

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Speaker 6: I always think, if you think about it this way,

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Speaker 6: that your credit score is your GPA, means it's an

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Speaker 6: average of the financial choices that you make. That part

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Speaker 6: is important, right the credit bureaus, those are your teachers.

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Speaker 1: They're gonna report.

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Speaker 6: You, you know, and then your credit report is your transcript.

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Speaker 6: So that is a wider view of all of your

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Speaker 6: choices with some of the explanations behind your choices. So

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Speaker 6: when you remember that and you're like, Okay, this is

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Speaker 6: how I have to navigate that, I want the teachers

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Speaker 6: to report a more a wider view of the choices

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Speaker 6: that I'm making. And that's why I like credit rent

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Speaker 6: and boosts because it includes something that normally is not

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Speaker 6: included if you do it right, but it's absolutely included.

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Speaker 4: If you're don't.

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Speaker 3: Yeah, Al said, what's your we'd like to get personal appear,

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Speaker 3: which personal experience when it comes to paying bills on time,

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Speaker 3: when it comes to credit, you.

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Speaker 5: Know, it's very difficult sometimes when I'm a single mother,

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Speaker 5: I have two children, and sometimes just when I went

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Speaker 5: through my divorce, just paying my bills on time, getting

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Speaker 5: my credit cards paid, my house, my mortgage, getting everything

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Speaker 5: lined up.

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Speaker 4: Was very difficult.

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Speaker 5: So I was telling Tiffany that I'm a huge fan

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Speaker 5: of hers, I mean from way back in the day,

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Speaker 5: and I was like, Okay, I know her. I'm going

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Speaker 5: to be on the radio with her. I'm super excited.

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Speaker 5: I'm a huge fan. And I followed some of her

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Speaker 5: her guidance and hey, you pay around time, you pay

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Speaker 5: this on time. You have to get credit for it.

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Speaker 5: You have to be able to manage your money. You

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Speaker 5: have to learn how to do that. Especially as being

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Speaker 5: a Latina. You know, nobody else is going to guide

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Speaker 5: me through that. It's just I have to learn it

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Speaker 5: on my own and I had to go find resources

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Speaker 5: for that.

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Speaker 4: Yeah, Tiffany, you're building like a super app. So that

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Speaker 4: because talk about how we access credit boosts through you.

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Speaker 6: So once you go to the challenge, so you would

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Speaker 6: sign up at for Liverature Challenge l r C credit

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Speaker 6: dot Com.

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Speaker 1: L r C Credit dot Com.

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Speaker 2: What right, l see credit that means Richer Challenge.

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Speaker 1: Yes exactly, because.

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Speaker 6: So what you sign up for the challenge, like I said,

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Speaker 6: which is free, then I believe on Saturday or Sunday,

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Speaker 6: then we send you this link to get this app

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Speaker 6: that I like to call money Match.

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Speaker 1: I call it money.

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Speaker 6: Match because I thought, hmmm, what is the most popular

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Speaker 6: app in the app store, and y'all.

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Speaker 1: Be on that, Tinda and Hinge and all the.

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Speaker 4: Look it for love.

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Speaker 3: Has an elite status now where you could pay.

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Speaker 6: But I'm like, you know, you're so busy trying to

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Speaker 6: get matched, you know, for relationships, why don't you get

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Speaker 6: matched to the money apps match the money resources, because that,

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Speaker 6: honestly is probably gonna do you better than looking for

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Speaker 6: love in this moment in time.

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Speaker 2: Unless it's sugar.

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Speaker 1: That's difficult.

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Speaker 6: And so inside of money Match, we're going to be

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Speaker 6: adding apps and tools that are what I call budget

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Speaker 6: needs to approve. These are apps that I use myself,

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Speaker 6: apps that I have vetted with my team, and Credit

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Speaker 6: rent boost is one of them because I was like,

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Speaker 6: oh my gosh.

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Speaker 1: What a great tool to help people be.

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Speaker 6: Able to maximize their good choices that are not otherwise counted.

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Speaker 6: So I'm excited to so so Credit rent Boost, you

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Speaker 6: guys are are you know, you're our flagship.

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Speaker 4: People can access it through signing up for your challenge.

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Speaker 6: So when you sign up for a Liberature challenge at

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Speaker 6: LRC credit dot com, then you're gonna there's all these

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Speaker 6: amazing tools inside the app. Already the challenge will be

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Speaker 6: inside the app, which is free. There's a net worth

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Speaker 6: tool that is free inside the app, and then you

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Speaker 6: have the opportunity to sign up for and to use

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Speaker 6: Credit rent Boost. So we're just excited for this partnership

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Speaker 6: and I want to add it with credit ramps too.

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Speaker 6: You're adding a tradeline to your credit report.

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Speaker 1: You're not only boosting.

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Speaker 5: Your score, but you're adding a tradeline with no costs.

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Speaker 5: Like you're not.

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Speaker 1: A tradeline because every I don't know what is that.

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Speaker 5: A tradeline is just a history. You're going to show

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Speaker 5: your rent history on your credit report without adding additional debt. Okay,

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Speaker 5: so you don't have to go get a credit card

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Speaker 5: and add additional debt on your credit with Credit rent Boost.

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Speaker 4: Can't they get a paradox to build credit, I have

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Speaker 4: to go into debt and that's what this stuffs. But

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Speaker 4: I mean you go you can go back two years.

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Speaker 5: Yeah, so we can give you a history of past

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Speaker 5: two months. Okay, if you live somewhere for a year

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Speaker 5: and then another place for another year, we combine that history,

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Speaker 5: verify it, and then we report it to the Credit murals.

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Speaker 2: So your landlord has to participate in this too.

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Speaker 5: Yes, so your landlord does have to participate. We have

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Speaker 5: to verify your rent payments to make sure that you're

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Speaker 5: not having your friend or your family member verify your

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Speaker 5: rent payments because we want to make sure it's legit.

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Speaker 5: But once it's all done, it's on your credit report.

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Speaker 5: And you know, we have so many great success stories

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Speaker 5: with people being able to buy their.

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Speaker 4: How many people are using it right now?

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Speaker 5: We currently have about eighty thousand active customers.

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Speaker 4: And what kind of moves are they seeing?

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Speaker 5: They are anywhere between. It's funny because I had a

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Speaker 5: customer because I'm very hands on CEO, because I want

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Speaker 5: to know what my customers are getting. You know, I

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Speaker 5: want to be able to come in here and say,

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Speaker 5: you know what, I personally experienced this, or I personally

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Speaker 5: spoke to a customer. So one of our customers came

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Speaker 5: back to me and said, hey, I got three points,

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Speaker 5: but my girlfriend got one hundred and twenty seven points.

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Speaker 5: You know, women always get it all. He goes, but

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Speaker 5: he said a funny laughing you know, he made it

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Speaker 5: a joke. But you know they see a large range

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Speaker 5: and a scoring increase which makes us very happy as well.

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Speaker 3: Now let me ask you this, all right, So just

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Speaker 3: thinking ahead to what people might want to ask. Now,

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Speaker 3: what if you've been good paying on time, but then

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Speaker 3: something happens and now I've paid my rent late or

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Speaker 3: my landlord is disputing something you know, who knows? Then

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Speaker 3: how can you make sure that that's not something that

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Speaker 3: will actually hurt your credit?

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Speaker 5: So what we do is we encourage on time rent payments.

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Speaker 5: You know, you're signing up for a service that you

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Speaker 5: want it to benefit. But we also let them know, Hey,

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Speaker 5: if your landlord reports as late, unless it's over thirty

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Speaker 5: days late, we don't report it.

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Speaker 4: Okay.

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Speaker 5: So if it's five days late, you know you have

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Speaker 5: your late FeAs with your landlord, but we don't report

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Speaker 5: it until the following month.

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Speaker 1: Okays. Fair.

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Speaker 6: Sometimes I think people come to me all the time.

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Speaker 6: They're like, girl, I was laid on this thing ninety days.

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Speaker 6: I pay the people in in a long time.

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Speaker 4: What can I do?

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Speaker 6: I'm like, since you did it?

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Speaker 1: Is it late?

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Speaker 5: Well?

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Speaker 6: We can because it's a grade point average. You have

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Speaker 6: now this one F on your credit report, but it's

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Speaker 6: an average. So if you can get a's the rest

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Speaker 6: of the year, you can offset that f and bring

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Speaker 6: your grade up. So think about like one late payment

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Speaker 6: but then eleven on time payment, so that you're always

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Speaker 6: remembering that it's a GPA, your financial GPA. That like, okay,

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Speaker 6: that I might not be able to erase the F

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Speaker 6: but I can offset it with really good grades by

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Speaker 6: paying on time moving forward.

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Speaker 4: I still hear the teacher and you the people understand that, because.

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Speaker 6: Sometimes people just don't want to like accept the fact

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Speaker 6: that we all make mistakes and that's okay, and so

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Speaker 6: it's like, you know, it's not about erasing that mistake,

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Speaker 6: but it's about, well, what can we do to work

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Speaker 6: with it.

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Speaker 4: Let's talk about mistakes for a minute, because one of

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Speaker 4: the biggest issues with credit is their whole shame and

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Speaker 4: blame dynamic, and people credit that it's the number one

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Speaker 4: cause of financial stress. It impacts decision making, it impacts

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Speaker 4: self esteem, People isolate, and how important is it to

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Speaker 4: move in to just not become victim, to all take control,

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Speaker 4: to take control of those emotions.

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Speaker 6: Shame is like one of the worst emotions that you

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Speaker 6: can experience because it tells you that you're a bad person.

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Speaker 6: It tells you that you're alone. It tells you not

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Speaker 6: to tell anyone. You know that shame needs silence in

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Speaker 6: order to grow, and so the only way to shed shame.

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Speaker 1: Is to give voice to it.

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Speaker 6: Because once you tell your bestie, your sister, your cousin,

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Speaker 6: your mom, your dad that honestly, I owe fifty thousand

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Speaker 6: dollars on credit card dead and I don't know what.

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Speaker 1: To do, shame is like, damn, now she told somebody.

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Speaker 6: Now he told someone, and that person might relate to

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Speaker 6: them that like okay, So then what can we do

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Speaker 6: to help? And you start to realize that you're not

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Speaker 6: alone because shame shields solutions. And so if you're experiencing

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Speaker 6: financial shame and you're feeling overwhelmed, it's one of the

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Speaker 6: reasons why I started the challenge, because you now have

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Speaker 6: three hundred thousand people who are saying, my credit is imperfect,

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Speaker 6: and so you're not alone, and so it allows you

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Speaker 6: to release that shame, to find that person, whether it's

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Speaker 6: me or someone in the challenge or posting on social

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Speaker 6: whatever that looks like, to release some of it. So

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Speaker 6: now you're like, you know, now that it's out there,

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Speaker 6: shame doesn't happen atrol anymore. I can now do the

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Speaker 6: thing to fix it. But yeah, like, financial shame is

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Speaker 6: one of the worst because it will keep you inside

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Speaker 6: the house, it'll keep you from hanging out with your friends,

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Speaker 6: it'll keep you from.

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Speaker 2: Or sometimes you get deeper into it because.

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Speaker 3: You laugh, forget it, it doesn't even matter anymore, and you

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Speaker 3: dig yourself.

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Speaker 4: Yeah, paralysis, and that's why we always talk about self

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Speaker 4: worth has nothing to do with net worth. And I'm

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Speaker 4: so touched that you She's actually putting some of my

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Speaker 4: financial psychology stuff in her challenge, which I'm really excited about.

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Speaker 1: Because people need to get past it, honestly, but they

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Speaker 1: don't know how.

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Speaker 3: And the truth is that once you start making even

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Speaker 3: like small steps, it feels great, Like when you can say, oh,

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Speaker 3: my credit went from a five twenty to a five eighty,

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Speaker 3: you start feeling like, Okay, I see some things happening.

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Speaker 3: Because I definitely have encouraged some of my own personal

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Speaker 3: people to go ahead and make sure they even know

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Speaker 3: what their score is. You know, that's the first step.

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Speaker 3: What's on my credit report? What is my score? And

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Speaker 3: how can I make sure that I link certain things?

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Speaker 3: How can I start making payments? How can I start

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Speaker 3: talking to these creditors who I owe money to to

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Speaker 3: make sure I can work something out, because you don't

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Speaker 3: know what you could work out until you even have

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Speaker 3: those conversations and then put yourself on a plan, you know.

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Speaker 3: But taking some type of action I think has has

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Speaker 3: been something that's always been heful to me.

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Speaker 2: Yes, even me, it is.

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Speaker 3: Look, I sat home, you know, all during this last

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Speaker 3: break because I personally have been doing a lot of things.

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Speaker 3: I like to tell people I'm cash poor right now,

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Speaker 3: so a lot of people will see, like what you

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Speaker 3: have and think, oh, she could get money for this,

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Speaker 3: so she could do that. But sometimes personally, like I've

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Speaker 3: extended myself in a lot of different directions with different things.

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Speaker 3: So now I know I got to sit down and

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Speaker 3: like a budget, but I also know what my goal is.

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Speaker 3: And I also have like this whole spreadsheet that I

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Speaker 3: write down, like everything you know that I owe new

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Speaker 3: things coming in. I put it right on the spreadsheet

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Speaker 3: what I have coming in, what I have in the bank.

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Speaker 3: When I'm going to spend on this, and I communicate

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Speaker 3: with people, I'll be like, look, I don't have this,

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Speaker 3: but I will be able to have that for you.

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Speaker 3: On the twenty first, and at least you know what

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Speaker 3: it is. And now you're not calling me, and I'm

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Speaker 3: not even freezy. I'm not ducking your text messages and

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Speaker 3: your calls because we've already spoken, so you know.

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Speaker 2: What it is.

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Speaker 6: I love you talk about language, you know. I love

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Speaker 6: a budget, the budget into when you set up for

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Speaker 6: the challenge, the first thing you're gonna get is something

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Speaker 6: called the starter Kit. And in the starterup Kit are

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Speaker 6: all these tools and resources that I recommend. So of

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Speaker 6: course credit rand boost is there, but also like a

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Speaker 6: budgeting tool, like a rocket money also like one of

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Speaker 6: my books, made whole, So all these tools are inside

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Speaker 6: there that you'll be able to use to to get

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Speaker 6: on track. Because what I don't want is that you

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Speaker 6: get your score to a great place, but then you

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Speaker 6: fall back into the old habits. And so the teacher

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Speaker 6: in me is like, when I'm not here, what tools

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Speaker 6: are you gonna need to maintain your great credit score?

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Speaker 6: So that starter kit comes free and you get it

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Speaker 6: instantly as soon as you sign out, because I know

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Speaker 6: you need more than just credit. Is not just about credit,

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Speaker 6: because bad credit makes for an expensive life. Everything costs

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Speaker 6: more when you have bad credit. You know, that's something

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Speaker 6: that can't even do.

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Speaker 4: Ye. You can't even get a phone.

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Speaker 1: You want to, you want to, you want to rent

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Speaker 1: the horse.

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Speaker 3: Imagine, you just have to figure out who can I

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Speaker 3: get to co sign? Listen, I don't know who I

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Speaker 3: would call if I needed a coach. Stacy, I don't

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Speaker 3: like Stacey.

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Speaker 6: I'd rather lend you money. To lend you money, that's that's.

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Speaker 2: Right, And you would hate to have to make that

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Speaker 2: like who can you do?

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Speaker 3: And then that could ruin a relationship, like can you

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Speaker 3: co sign for this?

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Speaker 4: I'll go off the wealth cliff with that woman. That's

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Speaker 4: a whole different thing. Let's stay on the couch for

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Speaker 4: just a minute. Because January first, everybody makes these New

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Speaker 4: Year's resolutions. Financial resolutions are number one, and if you

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Speaker 4: dig further into that, getting out of debt is actually

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Speaker 4: number one. Yes, it's kind of mid month now week,

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Speaker 4: but I love the conversation when you and I had,

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Speaker 4: Even when people are starting to feel weak. One, you've

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Speaker 4: put things in place to keep you going throughout the year,

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Speaker 4: because credit ram boost its ongoing, every month, ongoing. And

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Speaker 4: also you emphasize it's still those things you do in

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Speaker 4: the first few days of the year that are important.

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Speaker 1: I could see you through teach preach though. It's true.

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Speaker 6: So it's one of the reasons because I love that

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Speaker 6: you said yes. Mid mid January, you know, the gym

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Speaker 6: gets a little more empty, right people start saying next week,

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Speaker 6: next week, And so that's why the challenge starts on

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Speaker 6: the thing.

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Speaker 2: I feel attacked right to get you.

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Speaker 6: Even if you just do, say the first three days,

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Speaker 6: that can transform your life because whin the first three days,

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Speaker 6: we have you get your credit score, we have you

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Speaker 6: sign up for credit rent boost if it makes sense,

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Speaker 6: you know, if you're renting, and we have you at

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Speaker 6: least look at like where am I financially and join

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Speaker 6: the community of other people. Those three things can totally

443
00:19:32,320 --> 00:19:35,400
Speaker 6: transform your financial life, even if you don't do anything.

444
00:19:35,119 --> 00:19:37,119
Speaker 4: Else, even if you start to feel like you're falling

445
00:19:37,160 --> 00:19:39,159
Speaker 4: off tracks, it's still it's working for you. Put the

446
00:19:39,160 --> 00:19:40,480
Speaker 4: systems in place, yes.

447
00:19:40,359 --> 00:19:42,520
Speaker 6: Because three things we all need in order to get

448
00:19:42,520 --> 00:19:44,520
Speaker 6: from where we are to where we want to be.

449
00:19:44,640 --> 00:19:47,359
Speaker 6: And that's knowledge, because when you know better, you do better.

450
00:19:47,760 --> 00:19:50,879
Speaker 6: That's access, especially if you're a person of color, having

451
00:19:50,960 --> 00:19:54,040
Speaker 6: access to tools and resources. Sometimes it's a privilege for us,

452
00:19:54,080 --> 00:19:55,800
Speaker 6: not even a privilege, but a luxury because we don't

453
00:19:55,840 --> 00:19:58,920
Speaker 6: always have access, but through these kind of conversations you do.

454
00:19:59,240 --> 00:20:03,240
Speaker 1: And lastly, community, we work really well in community with

455
00:20:03,600 --> 00:20:06,359
Speaker 1: each other. I am Nigerian. I was born here in

456
00:20:06,680 --> 00:20:07,520
Speaker 1: the United States.

457
00:20:07,520 --> 00:20:10,080
Speaker 6: But the first time I went to Nigeria to visit

458
00:20:10,119 --> 00:20:13,280
Speaker 6: my family, I realized that the village my last name

459
00:20:13,320 --> 00:20:15,800
Speaker 6: is Aleich and I'd meet someone and they'd say, oh,

460
00:20:15,840 --> 00:20:18,560
Speaker 6: I'm Arondi Alcha. I'm like, oh, my last name is

461
00:20:18,600 --> 00:20:21,239
Speaker 6: a Lich. Like I'm I'm like, oh my last name.

462
00:20:21,600 --> 00:20:23,520
Speaker 6: And my dad said, girl, everybody, here's.

463
00:20:25,080 --> 00:20:25,600
Speaker 4: How is that?

464
00:20:25,760 --> 00:20:29,760
Speaker 6: He said, A village is literally your extended family. And

465
00:20:29,840 --> 00:20:32,160
Speaker 6: so we have been brought up to be in community

466
00:20:32,560 --> 00:20:34,359
Speaker 6: and to support each other in that way. And so

467
00:20:34,480 --> 00:20:37,320
Speaker 6: I've extended it to all things personal finance for us

468
00:20:37,320 --> 00:20:39,840
Speaker 6: as well, because we work best in community.

469
00:20:39,359 --> 00:20:40,920
Speaker 4: And that isolation thing.

470
00:20:41,680 --> 00:20:43,159
Speaker 2: So we can all be budgetnistas.

471
00:20:43,240 --> 00:20:46,880
Speaker 4: Yeah, let your work saying.

472
00:20:46,800 --> 00:20:48,920
Speaker 5: Let your work out, let your diet go out the window,

473
00:20:48,960 --> 00:20:50,240
Speaker 5: but not your financial.

474
00:20:51,440 --> 00:20:53,440
Speaker 4: So we had an interesting talk the other day. I

475
00:20:53,480 --> 00:20:56,040
Speaker 4: was telling Tiffany about Ariana Huffington. If you don't know

476
00:20:56,040 --> 00:20:57,800
Speaker 4: who she is, she's a woman who founded the Huffington

477
00:20:57,840 --> 00:21:03,800
Speaker 4: postjournalist have a challenged relationship with her because the Huffington

478
00:21:03,880 --> 00:21:08,200
Speaker 4: Post made journalism free cut all our sales an entrepreneur.

479
00:21:08,240 --> 00:21:12,199
Speaker 4: But anyways, the whole other story, she was giving a

480
00:21:12,240 --> 00:21:14,880
Speaker 4: speech in front of the National Association of Black Journalists

481
00:21:14,880 --> 00:21:17,359
Speaker 4: one year and she comes out. Nobody's real happy to

482
00:21:17,359 --> 00:21:19,440
Speaker 4: see her. But she's just this speech that just blew

483
00:21:19,480 --> 00:21:22,880
Speaker 4: my mind. She's like, starts it, what is America's problem

484
00:21:22,920 --> 00:21:29,480
Speaker 4: with debt? She said, I am the youngest of nine children.

485
00:21:29,560 --> 00:21:31,080
Speaker 4: She's like, you think my mother could have raised us

486
00:21:31,119 --> 00:21:33,159
Speaker 4: if she didn't take out debt. She's like, you think

487
00:21:33,200 --> 00:21:34,600
Speaker 4: I could have come to the United States if I

488
00:21:34,600 --> 00:21:36,520
Speaker 4: didn't have debt? You think I could have gone to college,

489
00:21:36,560 --> 00:21:39,920
Speaker 4: started my business, lived anywhere. She's like, debt is wonderful.

490
00:21:39,960 --> 00:21:42,639
Speaker 4: I don't understand Americans think it's like debt makes you

491
00:21:42,680 --> 00:21:44,760
Speaker 4: a bad person and all this stuff. And it was

492
00:21:44,800 --> 00:21:48,200
Speaker 4: just like wow to hear that different perspective. And we

493
00:21:48,400 --> 00:21:50,359
Speaker 4: tipping and I were talking about this, and she was like,

494
00:21:50,400 --> 00:21:54,200
Speaker 4: but the United States relationship with that isn't quite that Yes,

495
00:21:54,400 --> 00:21:55,160
Speaker 4: cutting dry, do.

496
00:21:55,160 --> 00:21:57,359
Speaker 1: You have to remember Ariana? Where is she from originally?

497
00:21:58,400 --> 00:21:59,640
Speaker 4: Oh, I don't want to stay hungry.

498
00:21:59,840 --> 00:22:03,800
Speaker 1: Right, But so the United States has an obsession with debt.

499
00:22:04,359 --> 00:22:06,120
Speaker 6: Right, So if you were to build a house, save

500
00:22:06,280 --> 00:22:08,760
Speaker 6: and Angela, You're gonna build a house in Africa and Nigeria.

501
00:22:08,840 --> 00:22:11,120
Speaker 6: Let's just say you have to purchase the lamp. Ain't

502
00:22:11,119 --> 00:22:13,960
Speaker 6: no net then, like you have to have enough money

503
00:22:13,960 --> 00:22:17,040
Speaker 6: for the foundation, there's no debt there. Then you have

504
00:22:17,119 --> 00:22:19,600
Speaker 6: to have enough money to furnish and everything else. So

505
00:22:19,640 --> 00:22:22,080
Speaker 6: by the time that house is done, you own that

506
00:22:22,160 --> 00:22:26,400
Speaker 6: house free and clear America. Like in having to purchase

507
00:22:26,440 --> 00:22:29,080
Speaker 6: things like that in other countries means that debt is

508
00:22:29,119 --> 00:22:32,800
Speaker 6: reserved for things that are of like critical importance, right.

509
00:22:32,880 --> 00:22:36,560
Speaker 6: But here, anytime you swipe your credit card, effectively you

510
00:22:36,600 --> 00:22:38,600
Speaker 6: are taking it a loan. So when you are in

511
00:22:38,640 --> 00:22:41,720
Speaker 6: the Wendy's drive through and you say, hey, go ahead

512
00:22:41,760 --> 00:22:44,120
Speaker 6: and put that on my MX, you took that a loan.

513
00:22:43,960 --> 00:22:46,760
Speaker 1: For that Crispy Chicken sandwich. We will take out a

514
00:22:46,800 --> 00:22:48,240
Speaker 1: loan for almost anything.

515
00:22:48,760 --> 00:22:50,800
Speaker 6: Some of y'all are sitting now looking at your couch like,

516
00:22:50,840 --> 00:22:53,080
Speaker 6: that's a couch bill, my lamp, that's a lamp bill,

517
00:22:53,200 --> 00:22:57,000
Speaker 6: my refrigerator or refrigerator bill. We are over indexing on

518
00:22:57,119 --> 00:22:59,480
Speaker 6: debt in the United States. I don't think that is

519
00:22:59,520 --> 00:23:02,480
Speaker 6: some rible thing, but we have learned that we don't

520
00:23:02,480 --> 00:23:04,560
Speaker 6: have to pay for things now, like you know, like

521
00:23:04,600 --> 00:23:06,280
Speaker 6: you see those companies is like buy now.

522
00:23:06,920 --> 00:23:07,400
Speaker 2: Hey later.

523
00:23:07,600 --> 00:23:09,480
Speaker 1: Right when I was a kid, we had what did

524
00:23:09,480 --> 00:23:10,080
Speaker 1: they used to call it?

525
00:23:10,080 --> 00:23:10,119
Speaker 4: You?

526
00:23:11,200 --> 00:23:14,320
Speaker 2: Yeah, but rent to own, yes, but the.

527
00:23:14,359 --> 00:23:15,320
Speaker 1: Layaway has taken.

528
00:23:15,400 --> 00:23:17,800
Speaker 6: I mean you could get a lip loss on payments

529
00:23:17,840 --> 00:23:20,359
Speaker 6: now right, last's on when you.

530
00:23:20,280 --> 00:23:23,159
Speaker 3: Go to pay for something and check out. Yeah, you

531
00:23:23,200 --> 00:23:25,120
Speaker 3: can do installments.

532
00:23:24,480 --> 00:23:27,679
Speaker 1: Yes, for everything that is unhealthy? What about this?

533
00:23:27,800 --> 00:23:28,280
Speaker 2: Okay?

534
00:23:28,400 --> 00:23:32,440
Speaker 3: So the author of rich Dad, Poor Dad, did you guys? Yes,

535
00:23:32,600 --> 00:23:34,240
Speaker 3: he said he's a billion dollars.

536
00:23:33,960 --> 00:23:35,760
Speaker 1: In debt right now.

537
00:23:36,240 --> 00:23:38,840
Speaker 3: Yeah, And he said if I go bust, the bank

538
00:23:38,920 --> 00:23:42,119
Speaker 3: goes bust, is what he said. He said, I I

539
00:23:42,200 --> 00:23:44,800
Speaker 3: use that as money, and I don't save cash because

540
00:23:44,840 --> 00:23:47,880
Speaker 3: in nineteen seventy one the dollar became debt, is what

541
00:23:47,920 --> 00:23:48,399
Speaker 3: he said.

542
00:23:48,640 --> 00:23:49,399
Speaker 2: And I saw a lot of.

543
00:23:49,359 --> 00:23:52,280
Speaker 3: People eaven comments when they were posting this article about

544
00:23:52,320 --> 00:23:54,959
Speaker 3: him being a billion dollars in debt. Some people were saying,

545
00:23:55,440 --> 00:23:58,040
Speaker 3: oh see ha ha, you know see now he's broken,

546
00:23:58,080 --> 00:23:59,720
Speaker 3: he's in debt. But other people were like, well, if

547
00:23:59,760 --> 00:24:01,880
Speaker 3: he's a billion dollars in debt. That means the assets

548
00:24:01,880 --> 00:24:05,440
Speaker 3: that he has is probably way greater, you know than that,

549
00:24:05,480 --> 00:24:07,560
Speaker 3: And if he owns a bunch of different properties, then

550
00:24:07,960 --> 00:24:11,040
Speaker 3: that means they're paying for itself, you know type of thing.

551
00:24:11,480 --> 00:24:13,200
Speaker 3: And that's why he has that, because even to get

552
00:24:13,200 --> 00:24:17,080
Speaker 3: a billion dollars of loans and credit, that means you

553
00:24:17,160 --> 00:24:20,159
Speaker 3: have to Yeah, it's again something yes, but yeah, he

554
00:24:20,200 --> 00:24:22,399
Speaker 3: said he uses debt as money. And he said, I

555
00:24:22,480 --> 00:24:23,920
Speaker 3: don't save cash.

556
00:24:24,119 --> 00:24:28,720
Speaker 4: Well, sounds like he did since that book came out.

557
00:24:29,320 --> 00:24:30,800
Speaker 1: No, No, I think that's always been kind.

558
00:24:30,640 --> 00:24:33,880
Speaker 2: Of living debt free is the worst advice you could give.

559
00:24:35,480 --> 00:24:38,360
Speaker 6: Here's the thing that typically very wealthy people, they'll do this.

560
00:24:38,560 --> 00:24:42,120
Speaker 6: So you'll have like some asset that's worth a whole

561
00:24:42,160 --> 00:24:44,440
Speaker 6: lot of money, and the bank knows that you have

562
00:24:44,560 --> 00:24:47,080
Speaker 6: this asset that's worth a whole lot of money, so

563
00:24:47,200 --> 00:24:50,200
Speaker 6: you own a sports team or some business, and they

564
00:24:50,240 --> 00:24:54,000
Speaker 6: will allow you to borrow against that thing because they're like, well,

565
00:24:54,080 --> 00:24:56,640
Speaker 6: worst case scenario, we can go get that thing.

566
00:24:56,760 --> 00:24:57,760
Speaker 1: So that's what it sounds like.

567
00:24:57,800 --> 00:25:01,639
Speaker 3: He's really what he's saying is he recommends leveraging debt

568
00:25:01,880 --> 00:25:04,440
Speaker 3: to buy assets, but not taking out a loan to

569
00:25:04,480 --> 00:25:07,320
Speaker 3: buy materialistic element that won't increase.

570
00:25:08,840 --> 00:25:11,879
Speaker 4: Talk about that. There's good debt, there's bad debt, right, mortgage,

571
00:25:11,920 --> 00:25:14,800
Speaker 4: student loans to some extent unless you don't take out

572
00:25:14,840 --> 00:25:17,280
Speaker 4: two hundred thousand dollars a year in student loans or

573
00:25:17,280 --> 00:25:19,000
Speaker 4: two hundred thousand dollars student loans if you want to

574
00:25:19,000 --> 00:25:21,840
Speaker 4: be a teacher. But there's good debt and there's bad debt,

575
00:25:21,880 --> 00:25:22,840
Speaker 4: and talk about that.

576
00:25:23,040 --> 00:25:25,800
Speaker 6: So there's assets and liabilities, right, So an asset, you

577
00:25:25,840 --> 00:25:27,840
Speaker 6: have to remember, is a thing that puts money into

578
00:25:27,920 --> 00:25:31,120
Speaker 6: your pocket. A liability is something that takes money out

579
00:25:31,200 --> 00:25:33,960
Speaker 6: of your pocket. And so ideally, if you are going

580
00:25:34,000 --> 00:25:36,520
Speaker 6: to go into debt, you're wanting to go into debt

581
00:25:36,560 --> 00:25:40,199
Speaker 6: to attain more assets, and then you can use the

582
00:25:40,200 --> 00:25:42,320
Speaker 6: money you make from those assets to purchase the things

583
00:25:42,320 --> 00:25:45,119
Speaker 6: that you're wanting. Right. But if you are really g

584
00:25:45,320 --> 00:25:47,960
Speaker 6: with it, you use the money from the assets to

585
00:25:48,040 --> 00:25:50,520
Speaker 6: buy more assets, and that's how you never have to

586
00:25:50,560 --> 00:25:51,040
Speaker 6: work again.

587
00:25:51,240 --> 00:25:54,520
Speaker 4: Okay, equity and what do you need to be able

588
00:25:54,560 --> 00:25:58,280
Speaker 4: to do that? A good credit score, which is with

589
00:25:58,400 --> 00:26:00,400
Speaker 4: the literature challenge and credit r This.

590
00:26:00,280 --> 00:26:03,440
Speaker 3: Is all about all right, well again one last time

591
00:26:03,480 --> 00:26:05,800
Speaker 3: for the website to join a talent I like saying

592
00:26:05,800 --> 00:26:10,440
Speaker 3: that LRC credit dot cot com, You've got to sign

593
00:26:10,520 --> 00:26:12,520
Speaker 3: up by the fourteen, Yes, because don't cust me out

594
00:26:12,520 --> 00:26:13,800
Speaker 3: because Y'll be so mean sometimes.

595
00:26:13,800 --> 00:26:16,240
Speaker 6: And I'm like, I told you your clothes on the

596
00:26:16,280 --> 00:26:18,640
Speaker 6: fourteen because I want us to all do it together

597
00:26:18,760 --> 00:26:21,400
Speaker 6: as a community starting the fifteenth. And don't worry, even

598
00:26:21,400 --> 00:26:23,600
Speaker 6: if you miss it, you could still sign up for

599
00:26:23,600 --> 00:26:25,320
Speaker 6: the wait list and then catch us next month.

600
00:26:25,359 --> 00:26:27,119
Speaker 4: And one thing we got to touch on. We have

601
00:26:27,240 --> 00:26:29,640
Speaker 4: a CEO here, we have the budget needs to hear.

602
00:26:30,320 --> 00:26:33,920
Speaker 4: We have a financial behavior expert here, we have way

603
00:26:34,760 --> 00:26:38,280
Speaker 4: that little sparkle. We are all women of color, and

604
00:26:38,320 --> 00:26:40,720
Speaker 4: we are actually have the hardest time with that. We

605
00:26:40,720 --> 00:26:44,840
Speaker 4: get higher rates for loans, we get just the hardest time.

606
00:26:45,119 --> 00:26:48,600
Speaker 4: What are some special pieces of advice and encouragement you

607
00:26:48,680 --> 00:26:51,040
Speaker 4: we have for women of color starting with Angela.

608
00:26:51,760 --> 00:26:54,080
Speaker 2: Oh, you're asking me to start with some pieces of advice.

609
00:26:54,160 --> 00:26:58,800
Speaker 3: Okay, I'm gonna piggyback off of what Tiffany said earlier.

610
00:26:58,840 --> 00:27:01,240
Speaker 3: And a lot of this does have to do with community.

611
00:27:01,800 --> 00:27:04,000
Speaker 3: And so I do feel like when it comes to

612
00:27:04,080 --> 00:27:07,200
Speaker 3: being an entrepreneur and starting my business and even having

613
00:27:07,240 --> 00:27:09,359
Speaker 3: this show way up with Angela Yee, and even for

614
00:27:09,480 --> 00:27:10,520
Speaker 3: the new ventures I'm.

615
00:27:10,400 --> 00:27:11,639
Speaker 2: About to embark into.

616
00:27:12,680 --> 00:27:15,560
Speaker 3: It is the women who have been I feel like

617
00:27:15,600 --> 00:27:18,400
Speaker 3: the most supportive of me. And I know, like I've

618
00:27:18,400 --> 00:27:20,760
Speaker 3: said before, there's this myth that we don't support each

619
00:27:20,760 --> 00:27:24,320
Speaker 3: other and that women of color and black women are

620
00:27:25,000 --> 00:27:27,920
Speaker 3: so competitive, But I feel like the community that we've

621
00:27:27,920 --> 00:27:29,440
Speaker 3: built and the help that we can give each other

622
00:27:29,480 --> 00:27:32,800
Speaker 3: and being transparent and open, you know, is the greatest thing.

623
00:27:32,840 --> 00:27:35,000
Speaker 3: And also just you don't have to be a full

624
00:27:35,040 --> 00:27:37,960
Speaker 3: on mentor, but even being able to like if someone

625
00:27:38,000 --> 00:27:41,160
Speaker 3: asks for a little help or advice on something, being

626
00:27:41,200 --> 00:27:44,000
Speaker 3: able to do that you know has been I think

627
00:27:44,080 --> 00:27:46,840
Speaker 3: something that's helped me a lot. And everything comes around

628
00:27:46,920 --> 00:27:50,320
Speaker 3: full circle too, And so I just can appreciate everybody

629
00:27:50,320 --> 00:27:54,720
Speaker 3: who's supporting me in any way whatsoever. And we got

630
00:27:54,760 --> 00:27:56,240
Speaker 3: to keep on doing that for each other.

631
00:27:56,560 --> 00:27:59,280
Speaker 6: The women of color, So for women of color in particular,

632
00:28:00,480 --> 00:28:04,920
Speaker 6: is to give yourself grace and space, like sis, you've

633
00:28:04,960 --> 00:28:08,639
Speaker 6: made a mistake. You did not kick somebody's puppy, you know, Like, Okay,

634
00:28:08,680 --> 00:28:10,399
Speaker 6: your credit score is not where you want it to be,

635
00:28:10,480 --> 00:28:13,200
Speaker 6: you don't have much, but savings as you'd like, sometimes

636
00:28:13,200 --> 00:28:15,159
Speaker 6: it's just because of a lack of access to the

637
00:28:15,240 --> 00:28:18,960
Speaker 6: knowledge necessary. Then it's gonna be very difficult to move

638
00:28:19,000 --> 00:28:23,000
Speaker 6: forward if you're always kicking yourself. So find your For me,

639
00:28:23,040 --> 00:28:25,040
Speaker 6: it's my best friend Linda that whenever I feel like

640
00:28:25,040 --> 00:28:27,840
Speaker 6: I'm this terrible person because I've made them a financial mistake,

641
00:28:27,920 --> 00:28:29,119
Speaker 6: Linda's like, girl did.

642
00:28:28,960 --> 00:28:29,679
Speaker 1: That last week?

643
00:28:30,240 --> 00:28:32,560
Speaker 6: You know, So find yourself a Linda, give yourself some

644
00:28:32,600 --> 00:28:35,160
Speaker 6: grace in space, and don't be afraid.

645
00:28:34,840 --> 00:28:35,960
Speaker 1: To ask for help.

646
00:28:36,119 --> 00:28:39,200
Speaker 6: Yeah, their resources available, so many resources available, so you're

647
00:28:39,200 --> 00:28:40,400
Speaker 6: not out here by yourself.

648
00:28:40,600 --> 00:28:41,520
Speaker 1: Money is a team.

649
00:28:41,400 --> 00:28:43,760
Speaker 3: Sport, and make sure you do the right resources to

650
00:28:44,440 --> 00:28:45,240
Speaker 3: always make sure.

651
00:28:45,560 --> 00:28:53,520
Speaker 4: Yeah, what are your thoughts for women of color?

652
00:28:53,920 --> 00:28:57,160
Speaker 5: Well, it's really hard to go after them, but I

653
00:28:57,200 --> 00:28:59,960
Speaker 5: do believe that just being able to share as a one,

654
00:29:00,320 --> 00:29:03,040
Speaker 5: being able to share our personal secrets on how we

655
00:29:03,120 --> 00:29:06,080
Speaker 5: got to the next level. So if you come to

656
00:29:06,120 --> 00:29:08,400
Speaker 5: me asking me how I got here, you know, just

657
00:29:08,960 --> 00:29:11,640
Speaker 5: share it with me because it's it's big enough. The

658
00:29:11,640 --> 00:29:13,880
Speaker 5: world's big enough for all of us to be successful.

659
00:29:14,360 --> 00:29:17,000
Speaker 5: And don't be afraid to go out there. As I

660
00:29:17,040 --> 00:29:20,480
Speaker 5: was mentioning to both of you, I get very nervous.

661
00:29:20,520 --> 00:29:23,720
Speaker 5: It's my first time being on just anywhere, on TV

662
00:29:24,040 --> 00:29:28,280
Speaker 5: or the radio. So just having the support of you know, beautiful, strong,

663
00:29:28,760 --> 00:29:31,240
Speaker 5: educated women. I love being around you guys. So just

664
00:29:31,280 --> 00:29:34,920
Speaker 5: surround yourself with people that are I always say, surround

665
00:29:34,960 --> 00:29:36,520
Speaker 5: yourself with people that are smarter.

666
00:29:36,280 --> 00:29:38,640
Speaker 3: To me, no, and plus you know your step and

667
00:29:38,680 --> 00:29:40,560
Speaker 3: I think it's so much easier when you can go

668
00:29:40,640 --> 00:29:43,280
Speaker 3: in and speak on something that you're well versed in.

669
00:29:43,400 --> 00:29:45,160
Speaker 4: And you are, and I would like to say to

670
00:29:45,200 --> 00:29:47,280
Speaker 4: women of color, just take a step back and look

671
00:29:47,280 --> 00:29:50,600
Speaker 4: at what you are and what you've done. Women of

672
00:29:50,640 --> 00:29:53,720
Speaker 4: color support family members at a higher rate than others.

673
00:29:53,960 --> 00:29:56,400
Speaker 4: They're heads of household at a higher rate than others.

674
00:29:56,760 --> 00:30:00,080
Speaker 4: Yet they are the fastest growing group of entrepreneurs in

675
00:30:00,120 --> 00:30:03,320
Speaker 4: the United States. We have all of these things stacked

676
00:30:03,360 --> 00:30:06,680
Speaker 4: against us, and look at the resilience. Remember those types

677
00:30:06,720 --> 00:30:10,440
Speaker 4: of things. And your self worth has got nothing to

678
00:30:10,480 --> 00:30:12,840
Speaker 4: do with your net worth. And when I was growing up,

679
00:30:12,880 --> 00:30:16,200
Speaker 4: I always just tried to do very very difficult things.

680
00:30:16,320 --> 00:30:18,080
Speaker 4: My mother would tell me you have to be ten

681
00:30:18,160 --> 00:30:22,120
Speaker 4: times better, and that made me feel bad. But guess what,

682
00:30:22,280 --> 00:30:25,800
Speaker 4: one day, you're ten times better. And don't forget that.

683
00:30:27,600 --> 00:30:33,240
Speaker 1: Okay, if I was a sports person, I'm.

684
00:30:38,160 --> 00:30:41,880
Speaker 4: Wealth Wednesdays. What's my favorite thing to see? L RC

685
00:30:41,880 --> 00:30:45,080
Speaker 4: credit dot com. You gotta sign up this week because

686
00:30:45,120 --> 00:30:46,480
Speaker 4: it's closing down on Sunday.

687
00:30:46,760 --> 00:30:48,080
Speaker 2: All right, Cheers, see y'all.

688
00:30:48,080 --> 00:30:50,480
Speaker 5: Happy Wealth Wednesday, everybody,