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Speaker 1: All right, all right, all right, all right, all right,

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Speaker 1: all right. Hey hey, oh that's my new Hey, hey, hey,

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Speaker 1: I like that the remix. Hey, hey, hey, how is

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Speaker 1: everybody Mama? It feels good to be back in the groove, you.

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Speaker 2: And your groove. Yeah, you've been busy. You've been like

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Speaker 2: in the trenches with the literature Academy.

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Speaker 1: Yeah, it's been great though. Honestly, you know how you

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Speaker 1: do something that's really hard, but you enjoy it, so

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Speaker 1: you're it's like a mix of like terror like enjoyment.

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Speaker 1: You feel proud of yourself, but you're also like scared

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Speaker 1: and afraid and tired all the time. So I'm always

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Speaker 1: like all full over the place. I'm like, oh, like,

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Speaker 1: I feel like I'm pregnant, even I've never been pregnant before.

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Speaker 1: It just like all these emotions, Okay, from what I

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Speaker 1: could tell from my friends, and today I was like, who,

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Speaker 1: Today's my first day that I'm like, who sah, My

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Speaker 1: God sends turning one. Today's birthday, so I'm going to

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Speaker 1: his party. I actually bought his gift yesterday. I'm like,

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Speaker 1: look at me being an adult in ahead of the.

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Speaker 2: Game by one day, by one day. And usually that's

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Speaker 2: the case.

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Speaker 1: First of all, I have not bought him, not one game.

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Speaker 1: He's a year. This is my first gift, so believe me,

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Speaker 1: this is That's a big accomplishment.

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Speaker 2: Man. This is the I feel like the last few

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Speaker 2: years have been the years of the weddings and all

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Speaker 2: the bachelorettes and the bridle showers. This is the and

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Speaker 2: the babies. But now it's like the year of baby

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Speaker 2: showers and maybe's first birthdays and baby baptisms. I was

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Speaker 2: supposed to go to a baby shower yesterday, but I

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Speaker 2: didn't go.

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Speaker 1: Why you just like, let me just send this gift.

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Speaker 1: I can't.

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Speaker 2: Well, we had we had other plans already, and but

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Speaker 2: I did send a gift. Though. I think that's the

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Speaker 2: I think that's a good etiquette thing. You know, you

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Speaker 2: go to the registry and send a little gift anyway,

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Speaker 2: and you know, send your apologies. It wasn't someone I'm

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Speaker 2: especially close to. It's more a friend of my fiances.

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Speaker 2: So I still feel a little, I don't know, like

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Speaker 2: etiquette wise, I'm like, man, but just because I'm the girl,

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Speaker 2: I got to buy the gift. Yeah, but that's what

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Speaker 2: that's what I've learned. Well, you know what when when

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Speaker 2: we first got together. It was really an inopportune moment

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Speaker 2: for me and a great one for him because he

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Speaker 2: had all these weddings coming up, so he had a date.

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Speaker 2: But then I had to start I'm like, but I

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Speaker 2: got a I was like to start paying all these

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Speaker 2: gifts for people I hardly know. Yeah, it's funny now

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Speaker 2: because we're all such good friends. In the very beginning,

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Speaker 2: I was going to weddings and I'm like, I don't

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Speaker 2: really know these people, but this is fun.

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Speaker 1: I guess my wedding's always were not always, but for

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Speaker 1: the most part, weddings fun because the food.

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Speaker 2: Weddings yeah, I mean too, just.

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Speaker 1: For the food and the dancing and like everybody's all

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Speaker 1: happy and stuff.

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Speaker 2: I love what I wish going to the club would

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Speaker 2: actually be, like you know, yeah, there's food and like

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Speaker 2: no one's slopped, like there's no one like trying to

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Speaker 2: grab your ass, and it's like old people are there too,

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Speaker 2: and it's fun and like.

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Speaker 1: You're right. I never thought about it that way that

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Speaker 1: a wedding is what I wish the club was, Like,

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Speaker 1: you know, we're getting old.

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Speaker 2: No, you know how I know I'm getting old yesterday,

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Speaker 2: So we were up in Yonkers. We took the Metro

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Speaker 2: North like the train up to Yonkers, and we came

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Speaker 2: back down at like, I don't know, eight o'clock, and

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Speaker 2: there was like this whole train filled with girls and

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Speaker 2: high heels and they had the little handbags. When we

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Speaker 2: came back to New York, to the city, and they

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Speaker 2: all got off with us at Grand Central and I

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Speaker 2: was looking at them and meanwhile, I'm in my like my, uh,

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Speaker 2: what do you call those thing? My chucks with like

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Speaker 2: no makeup on and like looking a mess, and we

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Speaker 2: are we are rushing because we are trying to get

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Speaker 2: to the movie theater to see Zutopia, and these girls

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Speaker 2: are like wearing silettos and probably on their way to

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Speaker 2: like I don't know, Hell's kitchen or something, and I'm like,

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Speaker 2: I just really want to see ze Utopia.

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Speaker 1: And I'm like, wait, Utopia. You had me at Topia.

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Speaker 2: It is so good.

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Speaker 1: It is so good, Oh, Supergirl told me. And I

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Speaker 1: was jealous. I'm like, so you were, yeah, of course

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Speaker 1: she did. She's like she has more of an active

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Speaker 1: social life than I will ever have.

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Speaker 2: No, it was really good, Like I was literally I

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Speaker 2: left the theater grinning ear to ear, and I even

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Speaker 2: stayed for the credits. Enrique's like out in the hall

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Speaker 2: waiting on the End'm like, no, I want to watch

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Speaker 2: the end because she Kira has the performance Shakida Shakida.

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Speaker 2: She's she plays a gazelle whose name is Gazelle.

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Speaker 1: That movie.

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Speaker 2: But you know what it's it's it's it's funny because

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Speaker 2: you know, they do these Pixar movies years. They have

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Speaker 2: to plan the movies like five, ten years ago, like

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Speaker 2: they've been working in this movie for so many years,

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Speaker 2: and then we see it. But it's such a great

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Speaker 2: like this movie is coming at a really interesting time.

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Speaker 2: There's all these racial issues happening in America that bubble

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Speaker 2: to the surface, and this movie has some really like

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Speaker 2: black lives matter undertones, So like stay with me because

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Speaker 2: it's it's like a Pixar movie. So there's it's all

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Speaker 2: about animals who wear clothes and live in a society

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Speaker 2: where animals have evolved to become like humans and there's

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Speaker 2: like no longer there's predators in prey, but they've all lived,

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Speaker 2: they've learned to live together, Okay, And that starts off

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Speaker 2: with like a someone named a little bunny named Judy Hops,

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Speaker 2: who's an adorable little bunny and she really wants to

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Speaker 2: be a police officer, but nobody thinks that bunny can

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Speaker 2: be a cop, and she like defies the odds and

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Speaker 2: becomes the first bunny police office. They're in the z

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Speaker 2: Utopia PD.

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Speaker 1: Okay, So.

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Speaker 2: She goes and she kind of uncovers there's all these

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Speaker 2: missing there's these missing mammal cases that she has to solve,

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Speaker 2: and it turns out they're all predators, and the predators

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Speaker 2: are starting to attack the prey again. They're starting to

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Speaker 2: attack regular people. And she's at a press conference and

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Speaker 2: people are asking her Judy Hops, like why are these

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Speaker 2: predators attacking these people attacking the prey and she's like,

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Speaker 2: it's just part of their biology. Maybe that's just what

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Speaker 2: you know, predators are meant to do. And all these

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Speaker 2: people start being prejudiced against all the predators. And you see,

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Speaker 2: you see like a baby bunny and a mom bunny

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Speaker 2: get on a train and like a cheetah comes on

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Speaker 2: and sits down with a newspaper and they like skirt

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Speaker 2: away from them, and you know, there's it's sort of

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Speaker 2: like this it's all about prejudice and almost like racial profiling,

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Speaker 2: but like animal profiling.

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Speaker 1: That's really cool.

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Speaker 2: There's all these grown up messages. It's great. I loved

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Speaker 2: it and despite all like the heavy sort of like

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Speaker 2: I mean, if you're a kid, you don't really know,

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Speaker 2: you don't get all that. But it was really like

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Speaker 2: satisfying as I grown up to watch that.

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Speaker 1: Now I'm gonna watch I'm gonna take Supergirl again. She

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Speaker 1: totally was like, I'll go with you again.

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Speaker 2: It was fun. Yeah. Also, I am seventy five years old.

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Speaker 2: I understand.

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Speaker 1: I know it's so crazy. Like literally, like my decision

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Speaker 1: to leave the house is like, wait, what am I

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Speaker 1: gonna wear? I'm not leaving because I wear the same

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Speaker 1: because I work from home, largely from home. Unless I

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Speaker 1: have two sets of clothes, I have like my grungy

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Speaker 1: home clothes and I have like my budgetista I'm on

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Speaker 1: stage clothes. I don't have anything in between. So either

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Speaker 1: I have to leave the house looking like I'm about

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Speaker 1: to speak on a stage or like I just rolled

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Speaker 1: out of bed and I'm sick of it.

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Speaker 2: I'm like a nice pair of jeans and a nice

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Speaker 2: basic tops.

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Speaker 1: I know, but I don't even have because I literally

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Speaker 1: I just realized the other day, I told my sister,

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Speaker 1: She's like, she's like kind of like miss fashion forward

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Speaker 1: of all the girls, Like I have four sisters, so

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Speaker 1: of the five girls, she's the most like fashionate, fashionable,

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Speaker 1: And so I told her, I'm like, Tracy, we need

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Speaker 1: to go shopping because I have not looked up for

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Speaker 1: my business in years and thought about like Tiffany and

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Speaker 1: my clothes, and so I realized, I'm like, I literally

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Speaker 1: have nothing. I have not bought a pair of jeans

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Speaker 1: in probably five or six years. So I have like

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Speaker 1: these express gens with like the faded front. I'm like,

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Speaker 1: who's going out of it?

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Speaker 2: Yeah, with the badazzled butt pocket.

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Speaker 1: Yes, all of my stuff is so dated because it

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Speaker 1: was like either I was speaking or I was home.

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Speaker 1: And so I'm like, I don't even have any regular

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Speaker 1: walking out like maybe one pair of jeans. I'm like,

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Speaker 1: I can't wear these every time I leave the house.

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Speaker 1: I need something. So I'm going to go through my

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Speaker 1: closet and kind of like throw away all my nineteen

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Speaker 1: ninety somethings and you know, try to like just at

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Speaker 1: least maybe get like two or three pairs of jeans

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Speaker 1: and like you said, some tops but I want to

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Speaker 1: be like Carolina Herrera. You know who that is?

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Speaker 2: Uh yeah, yeah, well it's not you know, that's like

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Speaker 2: setting the bar super high.

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Speaker 1: No, no, meaning like not her. But so for those

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Speaker 1: of you who are listening and you're like, who's Carolina Herrera,

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Speaker 1: she's like this, like amazing designer. But if whenever you

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Speaker 1: see her, she's usually wearing like a white top and

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Speaker 1: a black black pant or black skirt, she has like

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Speaker 1: a unil and that's kind of like what I want

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Speaker 1: to do, but not like I mean, if you see her,

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Speaker 1: she's like, I'm not going to get to that level

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Speaker 1: of elegance. That's just not my nature. But I do

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Speaker 1: want to have a general uniform like okay, this is

191
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Speaker 1: you know, like this is the type of top that fits.

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Speaker 2: This makes things so much easier. Yes, Actually, the girls,

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Speaker 2: some of the girls at my office, some of the

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Speaker 2: women at my office. Sorry, they put together a video.

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Speaker 2: The Personal Finance video team did a video a one

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Speaker 2: they wore this. Three women wore the same thing every

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Speaker 2: day to work for like two weeks to see if

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Speaker 2: anybody noticed. And nobody noticed, and they all kind of

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Speaker 2: talked about how much easier it was and I tried

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Speaker 2: it this week. I wore the same black dress for

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Speaker 2: five days in a row and nobody noticed. I just

202
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Speaker 2: put a different belt around it every day, and like

203
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Speaker 2: wore different shoes and shoes changed it up and then

204
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Speaker 2: I probably should have washed it. Oh, but it was nice.

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Speaker 2: And you know how you have a whole closet full

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Speaker 2: of stuff, but you only wear like five things. I

207
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Speaker 2: wear an over on rotation. So I ended up getting

208
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Speaker 2: and I'm not tour for doing this. I will buy

209
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Speaker 2: something and I know it won't fit me, and I'll

210
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Speaker 2: be like, I can tailor that, or I'll lose five

211
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Speaker 2: pounds or not, it'll fit better, maybe you'll look better

212
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Speaker 2: at home, and then it never looks better. I never

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Speaker 2: wear it, and it's just a waste of money. So

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Speaker 2: I have these dresses from like J Crew that I

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Speaker 2: have had forever that never fit me right. Even with tailoring,

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Speaker 2: they're not gonna look good. So I got the I

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Speaker 2: went on thread up dot com. You heard of that, No,

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Speaker 2: it's like this. It's called thread up and they sell

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Speaker 2: you can go on there and buy gently worn or

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Speaker 2: unworn designer clothing that women have in their closets that

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Speaker 2: they send to thread up. They send you a big

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Speaker 2: bag that's at work. They send you a big bag

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Speaker 2: and you put all your clothes in the bag and

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Speaker 2: you mail it to them, and then they post on

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Speaker 2: the website and sell it and then you get a cut,

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Speaker 2: like a small cut of whatever, like confinement. Yeah, consignment,

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Speaker 2: that's the word. But it's kind of tricky because they

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Speaker 2: only take certain They're very picky about what kinds of

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Speaker 2: brands they take, so they won't take like, I don't know,

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Speaker 2: whatever you got a U twenty one or like Forever

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Speaker 2: twenty one or something like that. They want like Bitan,

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Speaker 2: the Republic J Crew, you know that are I guess

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Speaker 2: people would actually want to buy. So I'm trying it out.

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Speaker 2: I haven't sent my bag in yet. I'm gonna I'm

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Speaker 2: gonna go through. But that's one way I'm trying because

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Speaker 2: I feel I give so much clothing away to chare

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Speaker 2: to like Goodwill and stuff. But some of that stuff,

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Speaker 2: I'm like, man, I probably could sell this, and I'll

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Speaker 2: just give it away.

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Speaker 1: Now for sure, honestly, because honestly, like I'm looking at

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Speaker 1: my closet now and it's honestly, it's ridiculous. There are

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Speaker 1: so many clothes in there and yet nothing. And it's

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Speaker 1: because so many like I don't throw away like anything.

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Speaker 1: I still have clothes from like high school. I'm like,

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Speaker 1: but why Tiffany that was thirty pounds ago? And I'm

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Speaker 1: always like, ooh, because the day that I that you

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Speaker 1: was that you give birth to a thirty pound human

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Speaker 1: being and lose a weight. Now it's not gonna happen.

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Speaker 2: You got to do this six month roll if you

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Speaker 2: haven't worn it six months and toss it out.

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Speaker 1: I think what I need, honestly, I need to separate

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Speaker 1: my closset because I wasn't going shopping because I was like,

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Speaker 1: I've got tons of clothes, but I need to separate,

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Speaker 1: like I need to have the business side of my

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Speaker 1: closet so I can be honest about Tiffy. You don't

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Speaker 1: have tons of clothes. I have enough budget needs to close,

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Speaker 1: but not enough Tiffany clothes. And I'm definitely gonna. I

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Speaker 1: think I'm gonna set aside a budget. That's what I

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Speaker 1: like to do because she loves shopping, my sister. So

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Speaker 1: I think I'm gonna set aside a budget and then

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Speaker 1: just be like this weekend, let's get like I'm gonna

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Speaker 1: have her. Start me off with like the basics and

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Speaker 1: then kind of build from the xt fun because it's

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Speaker 1: like like she was like when as a kid, she

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Speaker 1: was like my best my best friend growing up, you know,

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Speaker 1: like you have like but well you don't have like

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Speaker 1: like a bunch of sisters.

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Speaker 2: But yeah, I only have what she is from.

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Speaker 1: Say you're like, I guess you. I saw that picture

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Speaker 1: of you guys sidebark my add that was such a

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Speaker 1: cute picture.

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Speaker 2: Yes, my is my big sister's birthday. She turned nonna

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Speaker 2: and she was very upset about it. I did wake

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Speaker 2: up to a bunch of text messages from her at

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Speaker 2: three in the morning, so she must have had a

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Speaker 2: good time last night. It's a good sign.

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Speaker 1: But yeah, so she I'm gonna have that sister, my

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Speaker 1: best friend's sister from when I was a kid, Like,

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Speaker 1: I'm gonna have her just take me and just feel like,

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Speaker 1: all right, this is how much I don't I'm probably

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Speaker 1: gonna set aside. I don't even know, like it's five

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Speaker 1: hundred bucks enough. I don't even know I can start saving.

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Speaker 2: Depends on where you want to shop at. You have to,

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Speaker 2: you know, be a if you want to you know,

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Speaker 2: buy Carolina Hilaria Herrera, you want to clearly not that

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Speaker 2: would buy you one sock maybe not even She's like.

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Speaker 1: Well, they not allow you to try the sock on

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Speaker 1: and then leave the store.

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Speaker 2: It will take you need to like try because define

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Speaker 2: the right pair of jeans, especially because you haven't bought

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Speaker 2: them in so long, your body's probably changed. It's it's tough.

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Speaker 2: I finally found my one pair of jeans at the

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Speaker 2: Gap that I like.

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Speaker 1: Okay. She told me that, she said the Gap might

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Speaker 1: be like a good because everybody has different body shapes.

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Speaker 1: And she was just telling me, we're gonna have to

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Speaker 1: shut at different stores to kind of find what fit,

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Speaker 1: like you know, which which brand has your fit. Like

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Speaker 1: she's like, we'll try the Gap, We'll try Banana, We'll

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Speaker 1: try all these different places just to kind of see, like, okay,

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Speaker 1: this is my store. Like I found out for Superman

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Speaker 1: because he's six six but skinny and so Banana, but

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Speaker 1: Banana the factory store actually carries his size. Like you

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Speaker 1: bought him a whole bunch of pants because they had

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Speaker 1: a friends and face let me say, all last weekend

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Speaker 1: and like to fit him that to fit him slim,

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Speaker 1: but also really tall. So we were like, Okay, this

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Speaker 1: is your store, and now I know his side and

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Speaker 1: I can just kind of like go and pick stuff

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Speaker 1: up for him. So I have to find like my

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Speaker 1: store and then you can just kind of like throw

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Speaker 1: things in that are fun from other places. But I

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Speaker 1: need to find like my core. These are this is

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Speaker 1: my gene store. Like you know, I already I'm upgrading

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Speaker 1: my underwear, so you know see, I'm changing guys like I'm.

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Speaker 2: Like the inside outside.

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Speaker 1: Yes, I'm gonna get my nails done this week. I

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Speaker 1: have not gotten my nails done. I only get them

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Speaker 1: done like when a boyfriend of mine is like, honestly,

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Speaker 1: I need to at least be a little bit feminine.

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Speaker 1: So Superman was like, I'm going to send you a

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Speaker 1: super Girl to get your nails done. I was like,

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Speaker 1: I'm gonna get my hair done cause I look like Hell.

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Speaker 1: I looked in the mirror. I'm like, who is this.

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Speaker 2: I do?

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Speaker 1: I've not done anything just but work, work, work, And

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Speaker 1: I'm like Tiffany, right, no, no, I love that song.

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Speaker 2: Can we talk about the Piggy video? Have you seen

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Speaker 2: the Piggy Yeah? Doing the work work dance.

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Speaker 1: First of all, he's scratching his behind on the leg.

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Speaker 1: I'm like on the leg of the oh like that yeah,

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Speaker 1: that way he's doing. Yeah, if you look closely, he's like,

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Speaker 1: oh yeah, yeah yeah, let me get that itch is

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Speaker 1: to that. I do not care.

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Speaker 2: I have watched that video once a day and keeps

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Speaker 2: or yeah, he keeps sending it to me. I love

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00:14:21,400 --> 00:14:23,960
Speaker 2: that little pig I feel. I wonder if the sales

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Speaker 2: of piglets have gone up or vegetarianism has gone up.

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Speaker 2: People have watched that video either he.

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Speaker 1: Is so cute. Well side by, let me ask what

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Speaker 1: is your go to either song or like artists? You know,

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Speaker 1: whatever I do work, I have like an artist that

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Speaker 1: I like to put on that I can zone out.

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Speaker 1: It doesn't distract. It actually keeps me focused and the

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Speaker 1: work song. Honestly, I put it on repeat and I

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Speaker 1: could work for hours. Oh you really? Mm hmm.

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Speaker 2: Well, for me, working is usually writing, so I don't

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00:14:48,080 --> 00:14:50,920
Speaker 2: like having words. But my favorite Spotify station is called

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Speaker 2: brain food Okay, and it has all these like really

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Speaker 2: good like instrumental songs. Some of them have words, but

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Speaker 2: they're really good instrumental songs, and the music is so perfect.

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Speaker 2: It's like I'm fussing on. I'm like, this is a

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Speaker 2: great song, and then all of a sudden it just

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Speaker 2: spades into the background and I'm getting my work done.

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Speaker 2: But it's a little bit different since I write.

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Speaker 1: Okay, yeah, no, I can see that, cause there's definitely

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Speaker 1: times when I'm doing emails and I'm like, shut up, shut.

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Speaker 2: Up, I can't think.

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Speaker 1: But like, yeah, if I'm like doing like basic stuff

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Speaker 1: that I don't need to like really like compose words too,

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Speaker 1: I love the work song, and I just i Drake

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Speaker 1: is like, yo, he can put me in the zone

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Speaker 1: because his voice is so like melodic, so I don't

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Speaker 1: really you know, focus on the words. It's just like,

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Speaker 1: you know how Drake's voice is, and like he is

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Speaker 1: like my go to I need. I need to focus

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Speaker 1: and get work done.

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Speaker 2: That's a good one.

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Speaker 1: Yeah, somebody who's like trap music, I'm like, really, that

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Speaker 1: doesn't air you off. Because I had posted it on

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Speaker 1: Facebook and asked what is your like go to, like

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Speaker 1: getting the zone song, people were like, I'm like, really

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Speaker 1: trap music, gangster.

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Speaker 2: For like working out my favorite song? Well, I don't

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Speaker 2: really do as much running anymore as I did last year,

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Speaker 2: but my favorite song was get Low, which is this?

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Speaker 2: I guess it's like a house song.

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Speaker 1: Mm hmm.

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Speaker 2: I'm not going to sing it for you, but if

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Speaker 2: I can, no, no, no, not not flow Rider or

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Speaker 2: whatever that is or who is that gell No, no, no,

382
00:16:08,920 --> 00:16:12,600
Speaker 2: not that song. It's a really good song. I'm desperate

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Speaker 2: to sing it right now, but I don't want to

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Speaker 2: embarrass me. But it's cool because it has like it's

385
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Speaker 2: like it's like it's like, what's the thing called where

386
00:16:22,040 --> 00:16:24,320
Speaker 2: It's like, what's the new thing electronic music? What are

387
00:16:24,360 --> 00:16:27,360
Speaker 2: the kids listening to now? Yeah? A M A or r,

388
00:16:27,440 --> 00:16:30,280
Speaker 2: A M or r whatever, it's electronic. And then it

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00:16:30,320 --> 00:16:33,560
Speaker 2: also has like some like like Bollywood kind of sounds

390
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Speaker 2: at the end. But if you're on the if you're

391
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Speaker 2: on the treadmill right now America listening to Brown Ambition,

392
00:16:37,760 --> 00:16:40,520
Speaker 2: go to Spotify and look up get Low. Great song,

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Speaker 2: not the floorider one.

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Speaker 1: Anything happening in the news for some buzzworthy?

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00:16:45,800 --> 00:16:48,920
Speaker 2: Oh buzzworthy? Well I watched I don't know if this

396
00:16:49,040 --> 00:16:52,080
Speaker 2: is like news, but so the Misty Copeland documentaries out

397
00:16:52,120 --> 00:16:55,200
Speaker 2: on Netflix was good and I truly enjoyed it. It

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Speaker 2: was I think it was an it was her in

399
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Speaker 2: PBS to PBS to the documentary. It's on Netflix now

400
00:17:00,120 --> 00:17:01,680
Speaker 2: if you want to check it out. It was really

401
00:17:01,760 --> 00:17:03,960
Speaker 2: good if you're not Misty Copeland out because she's been

402
00:17:04,119 --> 00:17:06,359
Speaker 2: like in the news for a while. But I liked

403
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Speaker 2: it a lot. It really showed, I think, a different side.

404
00:17:10,880 --> 00:17:12,600
Speaker 2: I like it because it showed the work that she does,

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00:17:12,720 --> 00:17:15,080
Speaker 2: and so often when you see Misty she's like all

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Speaker 2: dolled up and talking about, you know, being a historical

407
00:17:17,960 --> 00:17:20,520
Speaker 2: you know, the first black ballerina to be a principal

408
00:17:20,600 --> 00:17:26,199
Speaker 2: dancer at the Atlanta or Atlanta American Ballet Theater ABT,

409
00:17:27,480 --> 00:17:29,520
Speaker 2: which is all great and good, but like you really

410
00:17:29,640 --> 00:17:32,160
Speaker 2: see the blood sweat and tears, and literally blood sweat

411
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Speaker 2: and tears because she gets like she has to have

412
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Speaker 2: shin surgery. She's always pins put in her shin and

413
00:17:37,280 --> 00:17:39,960
Speaker 2: you see her. The most uncomfortable scene for me is

414
00:17:40,080 --> 00:17:42,760
Speaker 2: when so she's recovering from the surgery she's had and

415
00:17:42,800 --> 00:17:45,120
Speaker 2: it's many months later, and to get back in the game,

416
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Speaker 2: she goes on this tour in Europe with some other

417
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Speaker 2: company or whatever, and she's dancing in France or somewhere Italy,

418
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Speaker 2: and she has a backspasm in getting into a van,

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00:17:55,520 --> 00:17:58,120
Speaker 2: and so she goes to see this like French chiropractor.

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Speaker 2: And it's already scary enough going to like a back

421
00:18:00,240 --> 00:18:02,960
Speaker 2: doctor in America. Yeah, then imagine being somewhere where you

422
00:18:03,000 --> 00:18:06,280
Speaker 2: don't speak the language and you see this doctor doesn't

423
00:18:06,280 --> 00:18:09,280
Speaker 2: speak English, like cracking her back and shifting her neck

424
00:18:09,359 --> 00:18:11,600
Speaker 2: and like he puts his armor on her waist and

425
00:18:11,720 --> 00:18:13,960
Speaker 2: like jerks her up and down, and you just I

426
00:18:13,960 --> 00:18:17,040
Speaker 2: don't know. It just really shows that this is not Yeah,

427
00:18:17,720 --> 00:18:20,960
Speaker 2: it takes real hard work. So yeah, I recommend it.

428
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Speaker 1: I think that I love I let's say one of

429
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Speaker 1: my one of the things I like watching, mostly because

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Speaker 1: I don't really watch TV much, but when I take

431
00:18:28,200 --> 00:18:30,840
Speaker 1: a break and I watch something, I love watching those

432
00:18:30,920 --> 00:18:33,080
Speaker 1: type of documentaries that show the good, the bad, and

433
00:18:33,160 --> 00:18:36,399
Speaker 1: the ugly and the terrible because I like seeing I

434
00:18:36,600 --> 00:18:39,320
Speaker 1: like to see the real Like, Okay, this person is

435
00:18:39,359 --> 00:18:42,960
Speaker 1: super successful, but three years ago they were homeless, or

436
00:18:43,720 --> 00:18:45,960
Speaker 1: you know, they work really really hard, or they're still

437
00:18:45,960 --> 00:18:49,359
Speaker 1: figuring out work life balance, you know, or whatever.

438
00:18:49,680 --> 00:18:52,440
Speaker 2: Yeah, it didn't show any of her family, though, I

439
00:18:52,480 --> 00:18:54,080
Speaker 2: wonder what the story is there, Like you don't see

440
00:18:54,119 --> 00:18:56,920
Speaker 2: her mom or any of her siblings, and not till

441
00:18:56,920 --> 00:18:59,320
Speaker 2: the very end, and the only person interviewed about her

442
00:18:59,320 --> 00:19:02,119
Speaker 2: personal life for one of her good her best friends

443
00:19:02,520 --> 00:19:04,920
Speaker 2: who's also a dancer. And at the very very last

444
00:19:05,040 --> 00:19:07,920
Speaker 2: scene in the movie I mean spoiler alert, she is

445
00:19:08,359 --> 00:19:11,080
Speaker 2: leaving the theater and she the camera's following her from behind,

446
00:19:11,080 --> 00:19:13,560
Speaker 2: and then she runs to her who's her boyfriend, this

447
00:19:13,800 --> 00:19:17,320
Speaker 2: very tall, tall, dark drink of water or whatever, delicious

448
00:19:17,320 --> 00:19:19,800
Speaker 2: looking person man, and she like gives them a big

449
00:19:19,840 --> 00:19:22,840
Speaker 2: hiogony has flowers for her. Oh that's the last scene.

450
00:19:22,880 --> 00:19:25,280
Speaker 2: But you don't get a lot of them. It's very mysterious.

451
00:19:25,400 --> 00:19:27,000
Speaker 2: So I don't get a lot of the family stuff.

452
00:19:27,200 --> 00:19:28,600
Speaker 1: Maybe I just don't want to because I know my

453
00:19:28,680 --> 00:19:31,119
Speaker 1: parents sometimes are like, honestly, this is cute and all,

454
00:19:31,240 --> 00:19:35,800
Speaker 1: but why Like my mom was like, I remember when

455
00:19:36,040 --> 00:19:38,040
Speaker 1: Good Morning America is gonna come to interview me. She's

456
00:19:38,080 --> 00:19:40,560
Speaker 1: such a mom. She was like, tell them not to

457
00:19:40,680 --> 00:19:43,399
Speaker 1: tape the carpet. I don't like the way. I'm like, mommy,

458
00:19:45,040 --> 00:19:47,400
Speaker 1: every little thing. I don't know if they should don't

459
00:19:47,600 --> 00:19:49,639
Speaker 1: get this, I don't this section of the room is

460
00:19:49,720 --> 00:19:52,440
Speaker 1: not as well lit. I'm like, oh my gosh, thankfully

461
00:19:52,520 --> 00:19:54,919
Speaker 1: they decided not to go ahead with like taping at

462
00:19:54,960 --> 00:19:57,440
Speaker 1: my parents' house because I was thinking to myself. She

463
00:19:57,640 --> 00:19:59,560
Speaker 1: swears that she's a director, and she would have open

464
00:19:59,600 --> 00:20:01,439
Speaker 1: there and be like, Oprah, Actually, this is how we're

465
00:20:01,480 --> 00:20:05,440
Speaker 1: going to do this. She's just like and so sometimes,

466
00:20:05,520 --> 00:20:08,600
Speaker 1: like with family, everyone, it doesn't want to be you know,

467
00:20:09,440 --> 00:20:10,720
Speaker 1: on Front Street. You know.

468
00:20:11,160 --> 00:20:12,920
Speaker 2: Oh god, yeah, I mean there's a reason I still

469
00:20:12,960 --> 00:20:16,200
Speaker 2: talking about my mom. She hates it. Yeah, calls me

470
00:20:16,320 --> 00:20:18,320
Speaker 2: crying like, why ain't duk about me?

471
00:20:19,280 --> 00:20:19,639
Speaker 1: Sorry?

472
00:20:19,960 --> 00:20:21,560
Speaker 2: She's like, you can do it when I die.

473
00:20:22,160 --> 00:20:25,040
Speaker 1: Oh god, You're like, okay, I don't know what. Okay,

474
00:20:25,160 --> 00:20:26,320
Speaker 1: don't say that's fair enough.

475
00:20:26,440 --> 00:20:29,040
Speaker 2: I guess that's fair enough. Yeah. I've been watching the O. J.

476
00:20:29,200 --> 00:20:31,080
Speaker 2: Simpson trial of the show.

477
00:20:31,520 --> 00:20:33,760
Speaker 1: Clips of it, but I've heard that it's pretty amazing.

478
00:20:34,520 --> 00:20:36,520
Speaker 2: I mean, I'm not we've been watching. I've been kind

479
00:20:36,560 --> 00:20:39,600
Speaker 2: of watching it in the background wall mister future husband's

480
00:20:39,640 --> 00:20:42,920
Speaker 2: been watching it. But it's good. I liked especially so

481
00:20:43,080 --> 00:20:44,960
Speaker 2: Marcia Clark. And I was a little kid when this

482
00:20:45,040 --> 00:20:46,760
Speaker 2: whole thing was happening. I was like nine or ten.

483
00:20:46,880 --> 00:20:48,800
Speaker 2: I kind of remember it, but I wasn't old enough

484
00:20:48,880 --> 00:20:52,159
Speaker 2: to really understand what was going on, but Marcia Clark

485
00:20:52,320 --> 00:20:55,400
Speaker 2: was the federal prosecutor who lost the case, you know, obviously,

486
00:20:55,520 --> 00:20:57,520
Speaker 2: so it's it's a it's sort of her story in

487
00:20:57,560 --> 00:21:01,320
Speaker 2: this one episode where they show she's a single parent, well,

488
00:21:01,359 --> 00:21:03,760
Speaker 2: she's getting divorced during this whole trial. So in the background,

489
00:21:03,840 --> 00:21:06,399
Speaker 2: she's going through a custody battle with her ex and

490
00:21:06,920 --> 00:21:10,040
Speaker 2: she you know, Johnny Crochran in the show anyway, I

491
00:21:10,040 --> 00:21:12,679
Speaker 2: don't know if this actually happened, you know, calls her

492
00:21:12,720 --> 00:21:14,680
Speaker 2: out for a needing to leave early to go take

493
00:21:14,720 --> 00:21:16,480
Speaker 2: care for kids and makes a joke about it, and

494
00:21:16,520 --> 00:21:18,560
Speaker 2: so she has to stand up for herself. But then

495
00:21:18,600 --> 00:21:21,440
Speaker 2: it also shows how the media attacked her and how

496
00:21:21,480 --> 00:21:23,280
Speaker 2: they she had. You know, it was the nineties, so

497
00:21:23,359 --> 00:21:25,959
Speaker 2: she had like an PERM and the media would make

498
00:21:26,000 --> 00:21:27,879
Speaker 2: fun of her perm and they you know, splash her

499
00:21:27,920 --> 00:21:30,480
Speaker 2: on the front page while the tabloids saying guilty of hair,

500
00:21:31,000 --> 00:21:33,760
Speaker 2: you know, convicted of bad hair or something like that,

501
00:21:34,800 --> 00:21:37,000
Speaker 2: and she just has all these breakdowns and she talks

502
00:21:37,040 --> 00:21:39,720
Speaker 2: about how, you know, she's not a public person, and

503
00:21:39,720 --> 00:21:40,920
Speaker 2: all of a sudden, I think this was like the

504
00:21:41,080 --> 00:21:43,840
Speaker 2: very this is like a foreshadowing of what the media

505
00:21:43,880 --> 00:21:47,119
Speaker 2: would really become like the reality TV like let's follow

506
00:21:47,200 --> 00:21:49,760
Speaker 2: and make her into a character. And I thought it

507
00:21:49,920 --> 00:21:52,840
Speaker 2: was interesting that they even decided to show that side

508
00:21:52,840 --> 00:21:54,760
Speaker 2: of it and and how hard it was for her

509
00:21:54,840 --> 00:21:57,040
Speaker 2: to be thrust in the spotlight.

510
00:21:57,720 --> 00:21:59,560
Speaker 1: Yeah, it's a little scary, like when you think of

511
00:21:59,680 --> 00:22:03,520
Speaker 1: like because you're right, something could happen and it's no

512
00:22:03,640 --> 00:22:06,840
Speaker 1: longer that the spot like just kind of uh happens

513
00:22:06,880 --> 00:22:08,920
Speaker 1: after you grasp for it. Sometimes you could just be

514
00:22:09,080 --> 00:22:11,800
Speaker 1: like a regular person. Maybe you make a funny video,

515
00:22:12,040 --> 00:22:14,160
Speaker 1: like did you see that kid Damn Daniel.

516
00:22:14,640 --> 00:22:17,080
Speaker 2: Damn Daniel. It was like familiar, It was like.

517
00:22:17,119 --> 00:22:19,320
Speaker 1: This funny meme, Like honestly, all the kids were talking

518
00:22:19,359 --> 00:22:21,159
Speaker 1: about it. I only know because I watched. I was

519
00:22:21,200 --> 00:22:23,680
Speaker 1: on BuzzFeed, and I was like, what is this? Basically,

520
00:22:23,920 --> 00:22:27,760
Speaker 1: this kid, his name is Daniel, and his friend every

521
00:22:27,800 --> 00:22:30,399
Speaker 1: single day on Snapchat, which I do not, like, you know,

522
00:22:30,640 --> 00:22:33,600
Speaker 1: get on much on Snapchat. His friend would video him

523
00:22:33,720 --> 00:22:37,200
Speaker 1: like cause apparently Danielle has cool style, which honestly he

524
00:22:37,359 --> 00:22:39,760
Speaker 1: wears like vans and a T shirt. But anyway, so

525
00:22:39,880 --> 00:22:42,640
Speaker 1: he would like video his friend and be like damn Daniel.

526
00:22:42,880 --> 00:22:45,440
Speaker 1: But his voice was so funny, like the way he

527
00:22:45,440 --> 00:22:49,639
Speaker 1: would say, it'd be like damn d dah, and so

528
00:22:49,880 --> 00:22:52,320
Speaker 1: it just became like a ritual on Snapchat. And then

529
00:22:52,440 --> 00:22:55,320
Speaker 1: somebody made like a a like a I guess, like

530
00:22:55,359 --> 00:22:58,520
Speaker 1: a collage not like a but a video like collage

531
00:22:58,560 --> 00:23:00,399
Speaker 1: of like him saying like three or four time and

532
00:23:00,480 --> 00:23:03,320
Speaker 1: it's kind of funny, but it took off like wildfire.

533
00:23:03,720 --> 00:23:05,720
Speaker 1: I mean, you know that's not you never know that

534
00:23:05,800 --> 00:23:07,520
Speaker 1: that's what's gonna happen. Then all of a sudden, the

535
00:23:07,600 --> 00:23:10,320
Speaker 1: damn Daniel Kidd and his friend are on Allen and

536
00:23:10,600 --> 00:23:14,200
Speaker 1: like you know, and then he's getting asked for autographs

537
00:23:14,240 --> 00:23:18,400
Speaker 1: and you know, but it could go a terrible crazy exactly,

538
00:23:18,520 --> 00:23:20,760
Speaker 1: so you just never know. You could just be That's

539
00:23:20,760 --> 00:23:24,240
Speaker 1: why I don't like when people post people on social

540
00:23:24,320 --> 00:23:26,120
Speaker 1: media and it's clear that they don't know that they're

541
00:23:26,160 --> 00:23:28,680
Speaker 1: being posted. I'm just like why, Like, you don't know

542
00:23:28,720 --> 00:23:31,800
Speaker 1: if this person is like running from their ex wife

543
00:23:31,920 --> 00:23:34,240
Speaker 1: or husband because they were abusive, you don't know, if

544
00:23:35,160 --> 00:23:37,399
Speaker 1: you don't know whatever. I just think, like, why are

545
00:23:37,440 --> 00:23:39,680
Speaker 1: you posting, like especially if you're trying to post to

546
00:23:39,680 --> 00:23:41,960
Speaker 1: make fun of them, like look at her pants? I'm like, really,

547
00:23:42,520 --> 00:23:44,800
Speaker 1: I don't know, stuff like that just always always irritates me.

548
00:23:44,920 --> 00:23:46,000
Speaker 1: Or you're posting yeah.

549
00:23:45,920 --> 00:23:48,400
Speaker 2: Yeah, yeah, you post pictures of people sleeping on the subway.

550
00:23:48,840 --> 00:23:51,040
Speaker 1: Yeah, and I'm just like, you know what, this person

551
00:23:51,160 --> 00:23:52,920
Speaker 1: didn't and then they become a meme like you've seen.

552
00:23:53,000 --> 00:23:55,320
Speaker 1: We've seen these subway memes of people who did not

553
00:23:55,440 --> 00:23:57,280
Speaker 1: know that they're being photographed and now for the rest

554
00:23:57,320 --> 00:24:00,159
Speaker 1: of your life you're being made fun of. And it's

555
00:24:00,240 --> 00:24:02,879
Speaker 1: just I don't know, I just don't agree with posting strangers,

556
00:24:04,160 --> 00:24:06,640
Speaker 1: even if it's not like I don't post people who

557
00:24:07,760 --> 00:24:10,520
Speaker 1: who I don't know, like even if something good like ooh,

558
00:24:10,680 --> 00:24:13,040
Speaker 1: cute dress, unless I'm posting and you don't see their face,

559
00:24:13,119 --> 00:24:15,200
Speaker 1: so you just from behind and you don't see like

560
00:24:15,280 --> 00:24:17,200
Speaker 1: their face, and definitely not kids. I'm like, really, you

561
00:24:17,280 --> 00:24:18,280
Speaker 1: posting this person's kids.

562
00:24:18,720 --> 00:24:21,000
Speaker 2: Do you know the humans of New York? Guy? He

563
00:24:21,119 --> 00:24:24,320
Speaker 2: posts pictures of humans who live in New York. Yeah,

564
00:24:24,359 --> 00:24:26,600
Speaker 2: Brandon and now from around the world. What's his last name,

565
00:24:26,640 --> 00:24:31,680
Speaker 2: Brian Brandon Stechen or something. So he was interviewed Katie Kirk,

566
00:24:32,119 --> 00:24:34,800
Speaker 2: who works for Yahoo Now. She interviewed him about his letter,

567
00:24:36,320 --> 00:24:38,080
Speaker 2: his open letter to Donald Trump, which I thought was

568
00:24:38,240 --> 00:24:41,800
Speaker 2: or sorry, he who must not be named Voldemort. Yes,

569
00:24:41,880 --> 00:24:45,160
Speaker 2: he's basically Baltimore, and I thought that was You don't

570
00:24:45,200 --> 00:24:48,080
Speaker 2: often hear him talk publicly, but I thought he had

571
00:24:48,160 --> 00:24:50,360
Speaker 2: if you haven't read his open letter and you want

572
00:24:50,400 --> 00:24:52,359
Speaker 2: to remember, I mean so often. I feel like his

573
00:24:52,800 --> 00:24:54,840
Speaker 2: his Instagram feed and his Facebook feed are all about

574
00:24:54,880 --> 00:24:57,200
Speaker 2: reminding people that there's humanity in the world and good

575
00:24:57,240 --> 00:24:59,560
Speaker 2: in the world. And I feel like, if this, if

576
00:24:59,600 --> 00:25:01,880
Speaker 2: this's a is really making you doubt whether they're still

577
00:25:01,880 --> 00:25:03,400
Speaker 2: good in the world. Just read his letter. I think

578
00:25:03,520 --> 00:25:05,680
Speaker 2: I think it's a nice little It's like a cell

579
00:25:05,960 --> 00:25:09,920
Speaker 2: for the heart it's been hurt by whatever he must

580
00:25:09,960 --> 00:25:14,120
Speaker 2: not be named, the evil that he is speaking in America.

581
00:25:15,000 --> 00:25:16,760
Speaker 1: You know, it's so crazy about it. It's just that

582
00:25:16,920 --> 00:25:20,000
Speaker 1: he's so I just like humans of New York. Here's

583
00:25:20,040 --> 00:25:22,840
Speaker 1: this guy who just took pictures and posted them up

584
00:25:23,440 --> 00:25:27,320
Speaker 1: and now, I mean, he clearly is not a public

585
00:25:27,400 --> 00:25:32,240
Speaker 1: person because he really hardly ever shows himself on like

586
00:25:32,320 --> 00:25:35,879
Speaker 1: social media, and now you know, he's created this huge

587
00:25:36,000 --> 00:25:38,200
Speaker 1: movement and brand and just I just like him. He

588
00:25:38,320 --> 00:25:41,000
Speaker 1: just he just seems like such a nice, decent guy,

589
00:25:41,160 --> 00:25:44,400
Speaker 1: you know, hopefully, Yeah, I know, That's why I said,

590
00:25:44,480 --> 00:25:44,919
Speaker 1: seems like.

591
00:25:45,520 --> 00:25:47,159
Speaker 2: So one day in the future when someone's like he

592
00:25:47,280 --> 00:25:50,280
Speaker 2: made up everything in those captures, no one ever said that, right,

593
00:25:50,480 --> 00:25:51,359
Speaker 2: or like he you know.

594
00:25:52,160 --> 00:25:55,920
Speaker 1: He you know he shakes dogs on the weekend because

595
00:25:55,960 --> 00:25:57,000
Speaker 1: you know that happened.

596
00:25:57,040 --> 00:25:59,920
Speaker 2: You're like, geez, wait, who shakes dog?

597
00:26:00,520 --> 00:26:03,359
Speaker 1: I'm just saying, like, you know, yeah, like are you

598
00:26:03,520 --> 00:26:03,840
Speaker 1: coming here?

599
00:26:03,920 --> 00:26:06,760
Speaker 2: Like did you ever hear a specific example you know what?

600
00:26:07,200 --> 00:26:08,800
Speaker 1: Because I think it was Chris Rocker or was it?

601
00:26:09,280 --> 00:26:11,120
Speaker 1: He was like, no, I think it was Chris rock

602
00:26:11,160 --> 00:26:13,040
Speaker 1: He was like, I won't be a woman, but I'll

603
00:26:13,160 --> 00:26:16,480
Speaker 1: shake the shit at her. I was just like exactly,

604
00:26:16,520 --> 00:26:18,760
Speaker 1: So I thought, like, what's a horrible thing. I don't

605
00:26:18,760 --> 00:26:22,360
Speaker 1: want to say he shakes women, he shakes dogs. So yeah,

606
00:26:22,359 --> 00:26:23,119
Speaker 1: I'm just saying that, you know.

607
00:26:23,119 --> 00:26:25,040
Speaker 2: You see them not and we cannot end that the

608
00:26:26,000 --> 00:26:27,520
Speaker 2: headlines with that image in our head.

609
00:26:27,840 --> 00:26:29,480
Speaker 1: I know, Brandon, I know you don't shake dogs.

610
00:26:29,480 --> 00:26:31,640
Speaker 2: Do you have any good, good news, good happy news

611
00:26:31,720 --> 00:26:32,040
Speaker 2: to share?

612
00:26:32,440 --> 00:26:34,320
Speaker 1: Yes? So there is this I was reading about this

613
00:26:34,440 --> 00:26:36,480
Speaker 1: woman I posted in our on our let me see

614
00:26:36,600 --> 00:26:40,160
Speaker 1: on our page on f bed. There's this older woman.

615
00:26:40,240 --> 00:26:42,600
Speaker 1: I think she's like in her eighties. She actually hand

616
00:26:42,720 --> 00:26:47,480
Speaker 1: wrote her thesis and got her doctorate at like eighty one,

617
00:26:48,200 --> 00:26:50,359
Speaker 1: and I just thought it was so motivational. She had

618
00:26:50,359 --> 00:26:52,320
Speaker 1: been working on it for years and years and years.

619
00:26:52,600 --> 00:26:55,359
Speaker 2: And I can hardly handwrit a check anymore. I know,

620
00:26:55,840 --> 00:26:58,280
Speaker 2: let you make words, I forget.

621
00:27:00,000 --> 00:27:01,760
Speaker 1: Exactly, so I just start. I don't know it just

622
00:27:02,119 --> 00:27:04,040
Speaker 1: it just was such a nice thing, like you know,

623
00:27:04,119 --> 00:27:07,040
Speaker 1: it just teaches you, like, don't give up, just keep

624
00:27:07,080 --> 00:27:10,720
Speaker 1: oh no, at ninety she wrote it at ninety. Yeah,

625
00:27:10,800 --> 00:27:13,080
Speaker 1: she's been doing her research for like thirty years, and

626
00:27:13,160 --> 00:27:16,520
Speaker 1: I just thought, you know, because she was she did

627
00:27:16,640 --> 00:27:19,879
Speaker 1: her her doctorate on women, let me see what it was.

628
00:27:21,280 --> 00:27:23,680
Speaker 1: I think it was like single women or mothers.

629
00:27:25,680 --> 00:27:28,440
Speaker 2: Me, Like, it took me everything I had in my

630
00:27:28,560 --> 00:27:30,960
Speaker 2: in my body to get my sister a birthday card

631
00:27:31,040 --> 00:27:35,240
Speaker 2: written on time and delivered, and it required help from

632
00:27:35,680 --> 00:27:37,960
Speaker 2: a future husband because I forgot the card at home.

633
00:27:38,080 --> 00:27:40,840
Speaker 2: So the fact that she wrote four hundred.

634
00:27:40,680 --> 00:27:44,040
Speaker 1: Pages, yes, and then she had to of course defend it.

635
00:27:44,480 --> 00:27:47,440
Speaker 1: But yeah, she did her doctor her doctorate on migrant women,

636
00:27:47,560 --> 00:27:49,639
Speaker 1: and I just thought, I don't know it just it

637
00:27:49,800 --> 00:27:53,200
Speaker 1: just really struck a chord with like, because I think

638
00:27:53,440 --> 00:27:55,960
Speaker 1: we live in a society now where it's so crazy.

639
00:27:56,000 --> 00:27:58,080
Speaker 1: So I spoke at Saint John's University and Queens like

640
00:27:58,200 --> 00:28:00,520
Speaker 1: last weekend, and this young girl came up to me,

641
00:28:01,080 --> 00:28:02,800
Speaker 1: and because when I spoke, I talked about all this

642
00:28:02,880 --> 00:28:04,760
Speaker 1: trouble I'd had and how much, you know, how many

643
00:28:04,880 --> 00:28:08,000
Speaker 1: mistakes I made, and you know how at age thirty

644
00:28:08,040 --> 00:28:09,680
Speaker 1: I had to move back home with my parents. And she,

645
00:28:09,880 --> 00:28:11,920
Speaker 1: this girl could not be more than twenty one. She

646
00:28:12,080 --> 00:28:14,320
Speaker 1: was like, thank you so much for sharing that, because

647
00:28:14,359 --> 00:28:16,200
Speaker 1: I feel like, I don't know, I just feel like

648
00:28:16,720 --> 00:28:20,520
Speaker 1: I'm behind and I haven't accomplished enough twenty one. And

649
00:28:20,680 --> 00:28:23,320
Speaker 1: that's what, you know, that's where we are in society now,

650
00:28:23,920 --> 00:28:26,760
Speaker 1: is that it's like you're made to feel like you

651
00:28:26,920 --> 00:28:31,359
Speaker 1: have to have these major accomplishments at like sixteen, and

652
00:28:31,440 --> 00:28:33,639
Speaker 1: if you're not, then something's wrong with your life. And

653
00:28:33,720 --> 00:28:36,000
Speaker 1: here she is at twenty one, thinking that she's behind,

654
00:28:36,720 --> 00:28:38,920
Speaker 1: and I'm just like, wow, we're just not allowed to evolve.

655
00:28:39,800 --> 00:28:42,720
Speaker 1: You know, most people don't really, you know, I don't

656
00:28:42,760 --> 00:28:43,520
Speaker 1: know people will.

657
00:28:43,400 --> 00:28:47,240
Speaker 2: I get it you feel especially listen, I have two

658
00:28:47,280 --> 00:28:49,320
Speaker 2: friends turning thirty this year and they're both losing their

659
00:28:49,360 --> 00:28:51,920
Speaker 2: mind and it is like their lives are ending, and

660
00:28:52,080 --> 00:28:54,760
Speaker 2: I feel like I hate that mentality of that you

661
00:28:54,840 --> 00:28:57,040
Speaker 2: get to a certain age and then everything ends. It's

662
00:28:57,120 --> 00:28:59,360
Speaker 2: like people who think the world is flat back in

663
00:28:59,400 --> 00:29:00,920
Speaker 2: the day, if they you're gonna get to the edge

664
00:29:00,920 --> 00:29:02,520
Speaker 2: and you'll fall off that that No, it keeps going.

665
00:29:03,120 --> 00:29:05,160
Speaker 2: So the only choice you have is to keep growing

666
00:29:05,200 --> 00:29:07,960
Speaker 2: and keep evolving or when you're just gonna like sit

667
00:29:08,000 --> 00:29:08,560
Speaker 2: down and give.

668
00:29:08,560 --> 00:29:11,400
Speaker 1: Up exactly, and then just to know that, Like I

669
00:29:11,600 --> 00:29:15,720
Speaker 1: just wish that I could tell like every teenage girl

670
00:29:16,160 --> 00:29:18,960
Speaker 1: in college girl to just tell them that, like you

671
00:29:19,120 --> 00:29:21,960
Speaker 1: don't have to barrow through life trying to check off

672
00:29:22,040 --> 00:29:25,800
Speaker 1: the boxes that life really is just it's an evolution

673
00:29:26,400 --> 00:29:29,960
Speaker 1: and just take your time and enjoy and you don't

674
00:29:30,000 --> 00:29:31,480
Speaker 1: have to be like, oh yeah, at twenty one, I

675
00:29:31,560 --> 00:29:33,880
Speaker 1: had my first house. At twenty five, I had my

676
00:29:33,920 --> 00:29:36,520
Speaker 1: first dada because I definitely did that because I thought, like,

677
00:29:36,600 --> 00:29:38,960
Speaker 1: that's what you're supposed to do. And it wasn't until

678
00:29:38,960 --> 00:29:41,560
Speaker 1: I kind of like lost everything and all the boxes

679
00:29:41,600 --> 00:29:45,280
Speaker 1: that I checked, like you know, were recycled and thrown out.

680
00:29:45,600 --> 00:29:47,800
Speaker 1: Then I realized that none of those things mean anything.

681
00:29:48,040 --> 00:29:50,560
Speaker 1: That instead, when I just decided, you know what, I'm

682
00:29:50,600 --> 00:29:53,360
Speaker 1: going to enjoy life and do what I feel in

683
00:29:53,440 --> 00:29:55,160
Speaker 1: my heart to do, which is to help people. And

684
00:29:55,240 --> 00:29:58,080
Speaker 1: then once I started living like that, you know, truthfully,

685
00:29:58,080 --> 00:30:00,520
Speaker 1: I've checked way more boxes than I ever even imagine.

686
00:30:00,560 --> 00:30:03,560
Speaker 1: But honestly, I stopped even keeping count of box check boxes.

687
00:30:03,800 --> 00:30:05,160
Speaker 1: I'm just living now, you know.

688
00:30:06,080 --> 00:30:08,720
Speaker 2: Well, I think that we're all our We're so hard

689
00:30:08,760 --> 00:30:12,160
Speaker 2: on ourselves, and we're so unkind to ourselves. And I

690
00:30:12,200 --> 00:30:13,600
Speaker 2: think if you just if you look at it, like

691
00:30:13,640 --> 00:30:15,160
Speaker 2: if you talk to yourself like you talk to your

692
00:30:15,200 --> 00:30:17,040
Speaker 2: best friend, your best friend would not call you a

693
00:30:17,080 --> 00:30:18,280
Speaker 2: failure exactly.

694
00:30:18,480 --> 00:30:29,480
Speaker 1: You know. So what about brown break? What are you

695
00:30:29,560 --> 00:30:30,160
Speaker 1: breaking from?

696
00:30:30,800 --> 00:30:32,280
Speaker 2: I must take a brown break. I don't know if

697
00:30:32,280 --> 00:30:33,920
Speaker 2: we've talked about this in the show before, but this

698
00:30:34,080 --> 00:30:39,880
Speaker 2: is a particular like tender spot for me personally, is

699
00:30:40,320 --> 00:30:42,560
Speaker 2: my whole life. I've sort of been a quiet especially

700
00:30:42,600 --> 00:30:44,880
Speaker 2: in class. I was always kind of quiet, stayed to myself.

701
00:30:45,480 --> 00:30:51,320
Speaker 2: I wasn't like very outgoing or smiley, and my dad's

702
00:30:51,360 --> 00:30:55,440
Speaker 2: family especially and people at school especially, would always be like, smile,

703
00:30:55,720 --> 00:30:58,440
Speaker 2: why aren't you smiling? Just look happy, you know, and

704
00:30:58,520 --> 00:31:00,120
Speaker 2: always puts so much pressure on me. And then you

705
00:31:00,160 --> 00:31:01,520
Speaker 2: go out into the world as a grown up, and

706
00:31:01,800 --> 00:31:04,040
Speaker 2: what are the guys in the streets tell you give

707
00:31:04,080 --> 00:31:06,920
Speaker 2: me a smile? Oh, you don't want to smile, you know.

708
00:31:07,240 --> 00:31:10,560
Speaker 2: And I feel like this has become like a big issue.

709
00:31:10,640 --> 00:31:14,320
Speaker 2: And this week Hillary Clinton obviously had a great Super

710
00:31:14,400 --> 00:31:17,240
Speaker 2: Tuesday or no, what is she when she won Ohio

711
00:31:17,320 --> 00:31:19,480
Speaker 2: and like a bunch of other states in these in

712
00:31:19,600 --> 00:31:24,680
Speaker 2: the primaries, and MSNBC anchor Joe Scarborough, who has a

713
00:31:24,720 --> 00:31:27,800
Speaker 2: lot of other issues, he tweeted that she needs to smile.

714
00:31:28,000 --> 00:31:28,959
Speaker 2: She just had a great night.

715
00:31:29,440 --> 00:31:30,040
Speaker 1: Oh gosh.

716
00:31:30,320 --> 00:31:33,560
Speaker 2: And of course it at least a wave of contraversy that,

717
00:31:34,240 --> 00:31:36,240
Speaker 2: you know, it kind of opened up the discussion again.

718
00:31:36,280 --> 00:31:37,680
Speaker 2: And I just so I want to take a brown

719
00:31:37,760 --> 00:31:40,560
Speaker 2: break from the pressure on women to always look happy

720
00:31:40,640 --> 00:31:43,680
Speaker 2: and jovial and accommodating and so just lovely and everything

721
00:31:43,800 --> 00:31:46,800
Speaker 2: is fine and you know, put a big old superficial

722
00:31:46,840 --> 00:31:49,760
Speaker 2: grin on your face because that makes everyone feel more comfortable.

723
00:31:50,000 --> 00:31:50,480
Speaker 1: Exactly.

724
00:31:51,120 --> 00:31:52,720
Speaker 2: I'm just tired of tell them, you know. And I

725
00:31:52,840 --> 00:31:55,440
Speaker 2: talked about before about being told by a manager that

726
00:31:55,560 --> 00:31:57,880
Speaker 2: I need to be more social and like hang out,

727
00:31:58,160 --> 00:32:00,120
Speaker 2: and I honestly, at the past two brown breaks, it

728
00:32:00,160 --> 00:32:01,880
Speaker 2: may not seem like I'm a social person. I'm like,

729
00:32:01,880 --> 00:32:03,680
Speaker 2: I hate march madness, and they don't want to hang out.

730
00:32:04,520 --> 00:32:06,960
Speaker 2: I don't want to have to go to Havia, you know.

731
00:32:07,640 --> 00:32:08,640
Speaker 1: But I am.

732
00:32:09,920 --> 00:32:11,640
Speaker 2: I'm very focused on my work and I love my

733
00:32:11,680 --> 00:32:13,440
Speaker 2: coworkers and you know, we hang out and all kinds

734
00:32:13,440 --> 00:32:16,440
Speaker 2: of stuff. But I felt like that was a bit sexist,

735
00:32:16,480 --> 00:32:18,600
Speaker 2: and I feel like it's sort of all part of this,

736
00:32:19,880 --> 00:32:22,800
Speaker 2: this like expectation for women to have a certain kind

737
00:32:22,800 --> 00:32:24,880
Speaker 2: of personality and there's no room for the rest of

738
00:32:25,000 --> 00:32:29,880
Speaker 2: us to have a complex, multi layered set of emotions

739
00:32:29,920 --> 00:32:32,200
Speaker 2: that we can display any given time, and they're not

740
00:32:32,320 --> 00:32:36,800
Speaker 2: always like la la la la, baking cookies and stuff.

741
00:32:36,720 --> 00:32:39,320
Speaker 1: Exactly, you know what, And that that's true because I

742
00:32:39,600 --> 00:32:43,080
Speaker 1: like my natural I have a strong, resting bitch face.

743
00:32:43,240 --> 00:32:45,320
Speaker 1: I mean strong. I don't even notice, but I.

744
00:32:45,800 --> 00:32:48,880
Speaker 2: Weren't even called the bitch face, Like, yeah, you're right, just.

745
00:32:48,960 --> 00:32:52,840
Speaker 1: Like my regular face is not like super inviting, like

746
00:32:53,280 --> 00:32:56,600
Speaker 1: nothing's wrong. It's just like when when I'm not smiling,

747
00:32:56,720 --> 00:32:59,040
Speaker 1: I probably do look a bit unfriendly, but you're right.

748
00:32:59,080 --> 00:33:00,840
Speaker 1: I never look at a guy like, hey, he's not

749
00:33:00,960 --> 00:33:03,200
Speaker 1: grinning like an idiot walking down the street. What's wrong?

750
00:33:03,920 --> 00:33:07,440
Speaker 1: What's wrong? Yeah, it's unfortunate, but yeah, I get that

751
00:33:07,520 --> 00:33:09,760
Speaker 1: a life, especially in New York. Hey baby, what's wrong?

752
00:33:09,840 --> 00:33:11,600
Speaker 1: Give me a smile? And then you're like you feel

753
00:33:11,640 --> 00:33:14,000
Speaker 1: like should I just be like leave me the hell alone?

754
00:33:14,360 --> 00:33:16,000
Speaker 1: Usually I end up like caving and I give that

755
00:33:16,080 --> 00:33:20,720
Speaker 1: fake a little like smile just so they'll leave you alone.

756
00:33:21,480 --> 00:33:24,360
Speaker 2: But yeah, my my fake smile, like the smile I

757
00:33:24,440 --> 00:33:27,040
Speaker 2: give when people tell me to smile, is really unnerving

758
00:33:27,080 --> 00:33:28,760
Speaker 2: to people. So I feel like it's almost better if

759
00:33:28,800 --> 00:33:31,760
Speaker 2: I don't, like just don't. So it's like kind of like, well,

760
00:33:31,840 --> 00:33:34,000
Speaker 2: you know, when you walk you my worst, my my

761
00:33:34,520 --> 00:33:36,400
Speaker 2: dreaded moment at work, which happens every day, is where

762
00:33:36,400 --> 00:33:38,160
Speaker 2: you're walking down a long high halloway, You're going to

763
00:33:38,200 --> 00:33:40,280
Speaker 2: pass somebody and they're calling at you, and you're like,

764
00:33:40,320 --> 00:33:41,479
Speaker 2: what am I gonna say? What am I gonna say?

765
00:33:41,480 --> 00:33:43,080
Speaker 2: Should just smile? Should I not smile? Are they looking

766
00:33:43,120 --> 00:33:44,480
Speaker 2: at me? Looking at the phone right now? Okay, we're

767
00:33:44,480 --> 00:33:45,880
Speaker 2: going to miss that one. But then like they look

768
00:33:45,920 --> 00:33:47,360
Speaker 2: at you and you make eye contact, you like, okay,

769
00:33:47,360 --> 00:33:49,120
Speaker 2: what do I do? Smile? And I always do like

770
00:33:49,200 --> 00:33:51,040
Speaker 2: a really weird like half smile.

771
00:33:51,160 --> 00:33:54,040
Speaker 1: Yes, that has work. Smile like a corner of your

772
00:33:54,080 --> 00:33:55,000
Speaker 1: mouth goes up and you're like.

773
00:33:56,800 --> 00:33:59,520
Speaker 2: Why did I do that? Or you smile, then they

774
00:33:59,720 --> 00:34:01,600
Speaker 2: just like look at their phone the last second because

775
00:34:01,600 --> 00:34:04,680
Speaker 2: they also can't deal with the hallway pass.

776
00:34:05,000 --> 00:34:08,320
Speaker 1: Yes, that is crazy. He was being such crazy animals.

777
00:34:09,520 --> 00:34:11,480
Speaker 2: But I feel like, when you're happy, be happy. But

778
00:34:11,560 --> 00:34:14,440
Speaker 2: when you're when you're you know, a candidate for the

779
00:34:14,520 --> 00:34:16,239
Speaker 2: highest office in America, and you want to have a

780
00:34:16,280 --> 00:34:19,600
Speaker 2: serious face, then by golly, have a serious face.

781
00:34:19,880 --> 00:34:20,360
Speaker 1: Exactly.

782
00:34:22,320 --> 00:34:23,359
Speaker 2: Now, what's your brown break?

783
00:34:23,680 --> 00:34:26,040
Speaker 1: My brown break? Actually, before we got on, I was

784
00:34:26,840 --> 00:34:29,680
Speaker 1: opening my email. I was like, damn it, Namvian, what

785
00:34:29,880 --> 00:34:31,840
Speaker 1: do you want for those of you who are not

786
00:34:31,920 --> 00:34:35,279
Speaker 1: in the No, nam Vent is like the new Sally May.

787
00:34:35,360 --> 00:34:37,799
Speaker 1: It's my student loan people. I'm taking a brown break

788
00:34:37,840 --> 00:34:39,280
Speaker 1: from these dagon student loans.

789
00:34:39,719 --> 00:34:40,919
Speaker 2: So in what way?

790
00:34:41,440 --> 00:34:43,520
Speaker 1: Well, because for the longest time you're going to stop

791
00:34:43,560 --> 00:34:45,520
Speaker 1: paying them. No, obviously I can't do that.

792
00:34:46,520 --> 00:34:47,399
Speaker 2: I'm just missed a thing.

793
00:34:48,280 --> 00:34:51,120
Speaker 1: I'm taking a brown break, I guess from I don't

794
00:34:51,160 --> 00:34:52,839
Speaker 1: know just the concept of the student loans. I mean,

795
00:34:52,840 --> 00:34:56,000
Speaker 1: obviously I can't take an actual break. I'm just basically

796
00:34:56,040 --> 00:34:59,200
Speaker 1: I'm saying I'm sick of you, like because so Nambien

797
00:34:59,280 --> 00:35:02,160
Speaker 1: has been bugging me because when I first started the

798
00:35:02,160 --> 00:35:04,440
Speaker 1: Bunchanista with naanbiy And, I was able to get on

799
00:35:04,520 --> 00:35:06,919
Speaker 1: an income based for payment program and I wasn't making

800
00:35:07,000 --> 00:35:09,160
Speaker 1: much money, so I was paying twelve bucks a month.

801
00:35:09,200 --> 00:35:14,640
Speaker 1: Woo hoo. Right, yeah, so apparently old you know, stingy

802
00:35:14,680 --> 00:35:17,960
Speaker 1: old taxman or Uncle Sam must have tapped Nanbian on

803
00:35:18,000 --> 00:35:20,760
Speaker 1: his shoulders like Timpany's doing way better that twelve dollars.

804
00:35:21,480 --> 00:35:25,439
Speaker 1: She's playing you. And so Nambien sent me a bill

805
00:35:25,880 --> 00:35:28,680
Speaker 1: basically saying like, oh yeah, so this twelve dollars, that's cute,

806
00:35:28,760 --> 00:35:31,359
Speaker 1: but starting in April, your new bill would be five

807
00:35:31,440 --> 00:35:33,320
Speaker 1: hundred and seventy four dollars a month. I'm like, what

808
00:35:34,160 --> 00:35:36,919
Speaker 1: that's a huge leap? Can I get an intermediate leap?

809
00:35:37,800 --> 00:35:40,280
Speaker 2: And so I know she set up with the income

810
00:35:40,280 --> 00:35:42,600
Speaker 2: based repayment. Don't you have to file every year like

811
00:35:42,719 --> 00:35:43,480
Speaker 2: red for it?

812
00:35:43,880 --> 00:35:45,920
Speaker 1: And I did, But you know, honestly, my business it

813
00:35:46,840 --> 00:35:48,840
Speaker 1: and some of my entrepreneurs will know this. It's like

814
00:35:48,920 --> 00:35:51,839
Speaker 1: you'll do business will be like growing, growing, and then

815
00:35:51,880 --> 00:35:54,319
Speaker 1: all of a sudden like kaboom and this is really

816
00:35:54,440 --> 00:35:58,520
Speaker 1: like last year is when I started my kaboom, like

817
00:35:58,640 --> 00:36:00,640
Speaker 1: when I'm like, wow, I'm make good money, you know.

818
00:36:01,520 --> 00:36:04,840
Speaker 1: And so that's why because I'm still riding off my

819
00:36:04,920 --> 00:36:08,400
Speaker 1: twenty fourteen taxes and I had not submitted my twenty

820
00:36:08,800 --> 00:36:10,840
Speaker 1: fifteen because I just did them, and so I know

821
00:36:10,880 --> 00:36:12,840
Speaker 1: when they see, they're gonna be like, oh, so I

822
00:36:12,920 --> 00:36:16,520
Speaker 1: don't know if I'll still be paying five hundred dollars

823
00:36:16,600 --> 00:36:20,080
Speaker 1: with income base. So we're going to see. But that's

824
00:36:20,080 --> 00:36:22,200
Speaker 1: what they said, five hundred and seventy four dollars. I'm

825
00:36:22,280 --> 00:36:27,040
Speaker 1: just like, ugh, exactly, you know what. I can't wait

826
00:36:27,080 --> 00:36:29,400
Speaker 1: till they're done. Once I'm done with them, because honestly,

827
00:36:29,440 --> 00:36:32,080
Speaker 1: I don't have any credit card debt. I don't have literally,

828
00:36:32,120 --> 00:36:34,560
Speaker 1: I have no other debt except student loans. I owe

829
00:36:34,600 --> 00:36:36,680
Speaker 1: like over fifty thousand dollars for my Masters that I

830
00:36:36,719 --> 00:36:37,520
Speaker 1: got from Seat and Hall.

831
00:36:38,400 --> 00:36:41,920
Speaker 2: And you were twelve dollars a month, approximately seventy five

832
00:36:42,040 --> 00:36:43,800
Speaker 2: hundred million dollars years.

833
00:36:44,239 --> 00:36:47,040
Speaker 1: But that's how I'm saying. I'm like, Tiffany, it's time

834
00:36:47,120 --> 00:36:49,320
Speaker 1: now anyway, because you're in a place now, your business

835
00:36:49,440 --> 00:36:51,440
Speaker 1: is doing well enough that you can set aside and

836
00:36:51,520 --> 00:36:53,560
Speaker 1: a certain amount of money to pay this down. I

837
00:36:53,600 --> 00:36:56,080
Speaker 1: can understand before when you didn't have any money, but

838
00:36:56,360 --> 00:36:59,080
Speaker 1: let's be real, twelve dollars is not realistic. I'm just

839
00:36:59,200 --> 00:37:01,879
Speaker 1: like speaking out of a salty petty place where I'm like, man, pan,

840
00:37:01,960 --> 00:37:03,560
Speaker 1: get out my inbox. I heard you. I know I

841
00:37:03,600 --> 00:37:04,279
Speaker 1: got to pay more.

842
00:37:05,280 --> 00:37:07,520
Speaker 2: So as soon as you start doing well, everyone's doing

843
00:37:07,560 --> 00:37:10,000
Speaker 2: their taxes right now, and it just it hurts. It

844
00:37:10,080 --> 00:37:12,719
Speaker 2: does when you see how much chumulatively you've been paying

845
00:37:12,760 --> 00:37:15,000
Speaker 2: in tax. Well, you have one big chunk, right, But.

846
00:37:15,200 --> 00:37:18,640
Speaker 1: What I wrote a check for like twenty two thousand dollars,

847
00:37:18,680 --> 00:37:20,319
Speaker 1: I'm like, what does this even mean in life?

848
00:37:22,040 --> 00:37:23,080
Speaker 2: That's how Oprah feels.

849
00:37:23,480 --> 00:37:25,840
Speaker 1: What can you imagine? And then my account, my account

850
00:37:25,880 --> 00:37:28,360
Speaker 1: told me he's activity you cannot pay once a year anymore.

851
00:37:28,360 --> 00:37:30,480
Speaker 1: You have to start paying quarterly. I'm like, what what

852
00:37:30,719 --> 00:37:32,680
Speaker 1: is this life? He's like, once you make up for

853
00:37:32,680 --> 00:37:34,960
Speaker 1: a certain amount with your company, the government doesn't want

854
00:37:34,960 --> 00:37:36,520
Speaker 1: to hear about this once a year because they want

855
00:37:36,520 --> 00:37:39,279
Speaker 1: their money soon, quick fastening the hurry. So now I

856
00:37:39,320 --> 00:37:41,800
Speaker 1: got to figure out what that looks like. Just a

857
00:37:41,840 --> 00:37:44,280
Speaker 1: lot of adulting, and I'm just like Oh my gosh,

858
00:37:44,760 --> 00:37:46,920
Speaker 1: when did this happen? What did I become an adult

859
00:37:46,960 --> 00:37:49,680
Speaker 1: where I have to do adult things every day? You

860
00:37:49,840 --> 00:37:51,840
Speaker 1: asked for this, I know I did, But you know

861
00:37:51,960 --> 00:37:54,200
Speaker 1: it's a small thing because I'm learning too as an

862
00:37:54,200 --> 00:37:56,360
Speaker 1: adult that I don't have to always do everything myself.

863
00:37:56,560 --> 00:37:59,600
Speaker 1: So I'm definitely I have a bookkeeper she helps a lot,

864
00:38:00,040 --> 00:38:03,080
Speaker 1: my accountant, and so I'm learning to also get help

865
00:38:03,160 --> 00:38:04,800
Speaker 1: so it's not just me adulting alone.

866
00:38:05,400 --> 00:38:07,440
Speaker 2: Well, the thing about income based repayment that I mean,

867
00:38:07,520 --> 00:38:10,200
Speaker 2: it's such a great perk that you get with federal

868
00:38:10,239 --> 00:38:12,640
Speaker 2: student loans, and a lot of people don't know about it,

869
00:38:12,680 --> 00:38:14,920
Speaker 2: which is shorking to me. I mean, all you have

870
00:38:15,000 --> 00:38:17,640
Speaker 2: to do is call your student loan service or like

871
00:38:17,719 --> 00:38:21,000
Speaker 2: the Navy and other was shoot and forgetting all the

872
00:38:21,080 --> 00:38:24,480
Speaker 2: other ones that they're called, which is bad. There's like

873
00:38:24,560 --> 00:38:26,319
Speaker 2: four or five major ones. You just call them up

874
00:38:26,360 --> 00:38:28,680
Speaker 2: and say, I'm not only making a certain amount. Can

875
00:38:28,719 --> 00:38:31,280
Speaker 2: we talk about income based repayment? It should be very simple.

876
00:38:32,120 --> 00:38:36,399
Speaker 2: What's scary is that they're these student loan companies out

877
00:38:36,440 --> 00:38:39,560
Speaker 2: there that say that they will help you enroll in

878
00:38:39,680 --> 00:38:42,279
Speaker 2: the new federal program called income based Repayment and all

879
00:38:42,320 --> 00:38:43,880
Speaker 2: you gotta do is pay them five hundred dollars and

880
00:38:43,920 --> 00:38:46,280
Speaker 2: they'll do it for you. You don't have to pay anybody,

881
00:38:46,400 --> 00:38:49,719
Speaker 2: any anything anything you do not And I just saw

882
00:38:49,800 --> 00:38:52,120
Speaker 2: I was on Instagram and I had a sponsored Instagram

883
00:38:52,200 --> 00:38:55,160
Speaker 2: ad from the Student Debt of America company, and I

884
00:38:55,239 --> 00:38:56,719
Speaker 2: called them up and I was like, because I knew

885
00:38:56,719 --> 00:38:58,040
Speaker 2: what it was, but I called them up just to

886
00:38:58,120 --> 00:39:00,080
Speaker 2: see if they were going to at least admit that

887
00:39:00,160 --> 00:39:02,880
Speaker 2: it could be free. And of course they were very

888
00:39:02,960 --> 00:39:05,080
Speaker 2: like wanted to like snatch my email, my phone, my

889
00:39:05,160 --> 00:39:06,719
Speaker 2: phone number right away, and I was like, no, no, no,

890
00:39:06,920 --> 00:39:09,279
Speaker 2: let me ask you some questions first, and it took

891
00:39:09,440 --> 00:39:11,800
Speaker 2: very long for her to finally say, well, it doesn't

892
00:39:11,840 --> 00:39:13,480
Speaker 2: have to cost you anything, but we'll do it for you,

893
00:39:13,560 --> 00:39:16,000
Speaker 2: and you don't have to do any paperwork. Well, there's

894
00:39:16,040 --> 00:39:17,960
Speaker 2: not a ton of paperwork. If you call it not

895
00:39:18,040 --> 00:39:20,440
Speaker 2: a loan service and have them do it, it's not

896
00:39:20,560 --> 00:39:20,959
Speaker 2: that hard.

897
00:39:21,239 --> 00:39:23,560
Speaker 1: Honestly. I did it online, I think, and like it

898
00:39:23,760 --> 00:39:25,960
Speaker 1: was super easy. I think I called just to make

899
00:39:25,960 --> 00:39:28,239
Speaker 1: sure they got everything. It was like, honestly, how much

900
00:39:28,239 --> 00:39:32,120
Speaker 1: do you make this much? Prove it uploads your tax papers?

901
00:39:32,160 --> 00:39:34,040
Speaker 1: And I did, and I just waited and they were

902
00:39:34,239 --> 00:39:36,759
Speaker 1: just basically like okay, and I was like, okay, it

903
00:39:36,840 --> 00:39:38,960
Speaker 1: seems so easy. That's when I called because I'm like, wait,

904
00:39:39,040 --> 00:39:41,680
Speaker 1: that seemed too easy, and so I called and she's like, no, no,

905
00:39:41,760 --> 00:39:43,720
Speaker 1: we got everything. You know, we got your tax forms,

906
00:39:43,800 --> 00:39:47,319
Speaker 1: and that was basically it. Yeah, anybody interested should, if

907
00:39:47,400 --> 00:39:50,440
Speaker 1: you have federal student loans, should definitely look into income

908
00:39:50,480 --> 00:39:51,120
Speaker 1: based for payment.

909
00:39:51,920 --> 00:39:52,400
Speaker 2: Absolute.

910
00:39:53,719 --> 00:39:56,160
Speaker 1: So that's why my brown break, even though I'm not gonna,

911
00:39:56,280 --> 00:39:58,400
Speaker 1: I guess it's unofficial because clearly I can't break from

912
00:39:58,440 --> 00:40:01,080
Speaker 1: my uncle Sam. He's like, oh, really break you. So

913
00:40:01,239 --> 00:40:04,480
Speaker 1: that's just like my brown breaking and emotions, only they're

914
00:40:04,560 --> 00:40:07,239
Speaker 1: like okay, yes I'm doing better, but boo, do you

915
00:40:07,320 --> 00:40:18,919
Speaker 1: want more money? It's time for tips. Man.

916
00:40:19,840 --> 00:40:22,280
Speaker 2: I just got distracted watching one of these tasty videos

917
00:40:22,320 --> 00:40:22,920
Speaker 2: from BuzzFeed.

918
00:40:23,000 --> 00:40:25,920
Speaker 1: Do you Oh yeah, I do. It's just ridiculously like

919
00:40:26,000 --> 00:40:29,120
Speaker 1: did you see the churros? Did you see? Oh my god,

920
00:40:29,280 --> 00:40:30,720
Speaker 1: they had red velvet churros.

921
00:40:30,760 --> 00:40:33,920
Speaker 2: Okay, I watch all of them, all of them, and

922
00:40:34,000 --> 00:40:36,120
Speaker 2: they're all such disgusting foods. Like they use a lot

923
00:40:36,160 --> 00:40:38,640
Speaker 2: of crescent roll mixes, like not disgusting, but like I'm

924
00:40:38,640 --> 00:40:40,680
Speaker 2: never gonna eat this like crescent roll pigs in a

925
00:40:40,719 --> 00:40:44,520
Speaker 2: blanket pretzel. Why am I watching this anyway? I digress.

926
00:40:45,960 --> 00:40:47,480
Speaker 1: So who were gonna who? We're gonna know? We had

927
00:40:47,560 --> 00:40:48,600
Speaker 1: Let's choose just one.

928
00:40:49,320 --> 00:40:51,319
Speaker 2: Yeah, we can choose just one. But first I wanted

929
00:40:51,360 --> 00:40:54,040
Speaker 2: to say I was a quick shout out to this

930
00:40:54,160 --> 00:40:56,400
Speaker 2: group called Savvy Ladies. Do you know Savvy Ladies?

931
00:40:57,600 --> 00:40:58,239
Speaker 1: I don't think so.

932
00:40:58,760 --> 00:41:01,239
Speaker 2: They're a New York based non profit that gives free

933
00:41:01,320 --> 00:41:04,319
Speaker 2: financial advice to women who obviously can't afford it. It's

934
00:41:04,320 --> 00:41:07,839
Speaker 2: all about financial empowerment for women, and it's run by

935
00:41:08,000 --> 00:41:10,240
Speaker 2: this It was founded by this woman named Stacy Francis,

936
00:41:10,719 --> 00:41:12,719
Speaker 2: who I got the I had the pleasure of meeting

937
00:41:12,719 --> 00:41:14,720
Speaker 2: her last week because I moderated one of their panels.

938
00:41:15,160 --> 00:41:18,879
Speaker 2: They do I think monthly or weekly events even every

939
00:41:19,239 --> 00:41:20,759
Speaker 2: in New York for women for free.

940
00:41:20,920 --> 00:41:21,319
Speaker 1: You just came.

941
00:41:21,480 --> 00:41:23,640
Speaker 2: They have drinks and snacks and they have a speaker.

942
00:41:24,040 --> 00:41:25,920
Speaker 2: So I moderated a panel and I got to meet

943
00:41:25,960 --> 00:41:29,560
Speaker 2: Stacy Francis, who is this. She's literally built a business

944
00:41:29,680 --> 00:41:35,359
Speaker 2: on helping women navigate through divorces, which may sound kind

945
00:41:35,400 --> 00:41:38,759
Speaker 2: of depressing, but it's a fact of life and women

946
00:41:38,840 --> 00:41:42,000
Speaker 2: are often, I think come out on the losing end

947
00:41:42,080 --> 00:41:43,759
Speaker 2: and divorces a lot of time because they it's such

948
00:41:43,800 --> 00:41:46,480
Speaker 2: an emotional kind of event in your life. And so

949
00:41:46,920 --> 00:41:49,040
Speaker 2: Stacy and the women she works with are really there

950
00:41:49,120 --> 00:41:51,440
Speaker 2: to be your advocate and to make sure you're getting

951
00:41:51,440 --> 00:41:53,279
Speaker 2: what you deserve and that you know you're you can

952
00:41:53,320 --> 00:41:55,920
Speaker 2: be emotional, but they'll handle everything for you. But on

953
00:41:56,000 --> 00:41:58,000
Speaker 2: the side, she found as Dibby Ladies and they do

954
00:41:58,120 --> 00:42:01,480
Speaker 2: all these really cool events the city. And what's awesome

955
00:42:01,520 --> 00:42:03,000
Speaker 2: about them if you don't live in New York. They

956
00:42:03,080 --> 00:42:06,000
Speaker 2: have a free hotline that you can call and they

957
00:42:06,080 --> 00:42:08,800
Speaker 2: will connect you to a financial advisor or planner and

958
00:42:08,880 --> 00:42:10,239
Speaker 2: they will give you like a free you can talk

959
00:42:10,239 --> 00:42:11,719
Speaker 2: about whatever you want. They'll give you like a free

960
00:42:11,760 --> 00:42:13,800
Speaker 2: half hour call with someone.

961
00:42:13,960 --> 00:42:16,320
Speaker 1: So oh, I like that. Set that link to me

962
00:42:16,360 --> 00:42:17,920
Speaker 1: because a lot of my women would love that.

963
00:42:19,960 --> 00:42:21,480
Speaker 2: So I was on a panel with them, and we

964
00:42:21,719 --> 00:42:24,640
Speaker 2: of course it was the panel was a woman from

965
00:42:24,680 --> 00:42:29,279
Speaker 2: a student loan refinancing company called Common Bond, and then

966
00:42:29,280 --> 00:42:32,320
Speaker 2: there were Stacey Francis herself, which was awesome, and the

967
00:42:32,400 --> 00:42:36,160
Speaker 2: third person was this motivational speaker life coach named Lois

968
00:42:36,800 --> 00:42:39,800
Speaker 2: Barth and we had a Q and a set question

969
00:42:39,960 --> 00:42:41,839
Speaker 2: and a lot of women stuff and ask them really

970
00:42:41,840 --> 00:42:44,640
Speaker 2: good questions. But one of them was frightening because speaking

971
00:42:44,680 --> 00:42:47,839
Speaker 2: about student loans, her question was should I pay use

972
00:42:47,960 --> 00:42:51,200
Speaker 2: my four oh one K to pay off my student

973
00:42:51,280 --> 00:42:53,320
Speaker 2: loans because they're really weighing on me and I have

974
00:42:53,440 --> 00:42:57,239
Speaker 2: these savings built up, And I was really terrified because

975
00:42:57,280 --> 00:43:01,880
Speaker 2: I didn't. It's such a it's it's scary to think

976
00:43:01,920 --> 00:43:04,040
Speaker 2: that someone would dip into their four one K pay off,

977
00:43:04,160 --> 00:43:06,840
Speaker 2: you know, their debt, and so I just quickly wanted

978
00:43:06,880 --> 00:43:09,800
Speaker 2: to just talk about that question. I do get. I

979
00:43:09,840 --> 00:43:11,920
Speaker 2: feel like I get the question more often should I

980
00:43:12,040 --> 00:43:14,319
Speaker 2: keep paying for retirement even though I have student loan debt?

981
00:43:14,600 --> 00:43:14,880
Speaker 1: Okay?

982
00:43:15,440 --> 00:43:17,640
Speaker 2: But in this case, I mean the clear answer is no,

983
00:43:18,200 --> 00:43:19,960
Speaker 2: not if you can avoid it. I mean absolutely not,

984
00:43:20,040 --> 00:43:22,840
Speaker 2: because not only do you pay income taxes on the

985
00:43:22,880 --> 00:43:25,040
Speaker 2: money you take out, you know, if it's a traditional

986
00:43:25,080 --> 00:43:27,040
Speaker 2: four oh one K, which is it's about twenty five

987
00:43:27,040 --> 00:43:29,719
Speaker 2: percent gone already, but you're also gonna pay a ten

988
00:43:29,760 --> 00:43:34,439
Speaker 2: percent penalty yeah, for taking a withdrawalout for being under

989
00:43:34,480 --> 00:43:37,200
Speaker 2: fifty nine and a half years old. So the money

990
00:43:37,239 --> 00:43:38,719
Speaker 2: that you have, like you may have, I don't know

991
00:43:38,840 --> 00:43:40,560
Speaker 2: fifty K saved up, but you're at the end of

992
00:43:40,560 --> 00:43:42,560
Speaker 2: the day, you're gonna have like twenty five thousand.

993
00:43:42,920 --> 00:43:45,200
Speaker 1: Yeah, I do believe me. I know I took out money.

994
00:43:45,239 --> 00:43:47,240
Speaker 1: I took out. I had like thirty five thousand dollars.

995
00:43:47,400 --> 00:43:49,759
Speaker 1: This is when I lost my job, and I was like, uh,

996
00:43:49,920 --> 00:43:51,359
Speaker 1: I'm just gonna take the money out of my four

997
00:43:51,400 --> 00:43:54,680
Speaker 1: one K, even though I know, I know, even though

998
00:43:54,719 --> 00:43:57,200
Speaker 1: I know I'm not supposed to. I mean, like everything

999
00:43:57,239 --> 00:43:59,360
Speaker 1: in me was like, don't do it. But I did it.

1000
00:44:00,000 --> 00:44:02,080
Speaker 1: And out of the thirty five thousand dollars I had,

1001
00:44:02,120 --> 00:44:05,359
Speaker 1: I had saved in by four one K, I had.

1002
00:44:06,080 --> 00:44:08,560
Speaker 1: How much money did they actually give me? Maybe like

1003
00:44:08,680 --> 00:44:11,319
Speaker 1: twenty thousand, So fifteen thousand of all that money I've

1004
00:44:11,360 --> 00:44:14,560
Speaker 1: been saving for years gone. That was just like so

1005
00:44:14,640 --> 00:44:18,400
Speaker 1: I always tell people, do not that you always have

1006
00:44:18,560 --> 00:44:21,719
Speaker 1: to remember this. It is your younger self's job to

1007
00:44:21,840 --> 00:44:24,640
Speaker 1: look after your older self. So think about it this way.

1008
00:44:25,040 --> 00:44:27,960
Speaker 1: If your older self is your grandma, and your grandma's

1009
00:44:28,000 --> 00:44:30,200
Speaker 1: living with you, and you have to make a choice

1010
00:44:30,239 --> 00:44:32,680
Speaker 1: between like what should I do. You know, I'm actually

1011
00:44:32,719 --> 00:44:35,400
Speaker 1: just gonna tell Grandma to go back to work and

1012
00:44:35,640 --> 00:44:38,640
Speaker 1: put in eighty hours and make sure that the household

1013
00:44:38,840 --> 00:44:40,840
Speaker 1: is stable. You would never do that to your grandma,

1014
00:44:40,960 --> 00:44:43,239
Speaker 1: but that's what we do to our older selves. We

1015
00:44:43,400 --> 00:44:47,000
Speaker 1: put so much, we make choices now that's going to

1016
00:44:47,080 --> 00:44:49,759
Speaker 1: require our older selves to have to make up for

1017
00:44:49,840 --> 00:44:53,880
Speaker 1: that financially. So don't put your grandma to work. No,

1018
00:44:54,160 --> 00:44:56,640
Speaker 1: do what you can now while you're younger, so that

1019
00:44:56,800 --> 00:44:58,759
Speaker 1: way you know you don't have to struggle when you're

1020
00:44:58,760 --> 00:45:01,080
Speaker 1: older because you don't have one. You're not going to

1021
00:45:01,120 --> 00:45:04,360
Speaker 1: have the energy, the desire, the ability to put the

1022
00:45:04,440 --> 00:45:06,880
Speaker 1: work in necessary to take care of yourself fully. You

1023
00:45:07,080 --> 00:45:09,840
Speaker 1: have to have put those plans in place now so

1024
00:45:09,960 --> 00:45:11,360
Speaker 1: that way, by the time you're older, you don't have

1025
00:45:11,400 --> 00:45:12,359
Speaker 1: to worry about it as much.

1026
00:45:13,040 --> 00:45:15,160
Speaker 2: And you have to know there are other options, Like

1027
00:45:15,239 --> 00:45:17,360
Speaker 2: I feel like you have to really exhaust all your options.

1028
00:45:17,400 --> 00:45:22,319
Speaker 2: If at first income based repayment plans, there's there's all

1029
00:45:22,360 --> 00:45:25,160
Speaker 2: there's like four different types of income based repayment plans.

1030
00:45:26,280 --> 00:45:28,239
Speaker 2: And I'm gonna I think the website is student ed

1031
00:45:28,320 --> 00:45:30,160
Speaker 2: dot gov. If you want to do some research, I'll

1032
00:45:30,200 --> 00:45:32,160
Speaker 2: also post a link. I've done a lot of articles

1033
00:45:32,200 --> 00:45:33,680
Speaker 2: and what to do if you have no idea how

1034
00:45:33,680 --> 00:45:36,040
Speaker 2: to pay off your student loans, and I'll post some

1035
00:45:36,080 --> 00:45:37,640
Speaker 2: links on the blog this week. But I just feel

1036
00:45:37,640 --> 00:45:40,680
Speaker 2: like people go to these extremes because they don't know

1037
00:45:41,120 --> 00:45:43,440
Speaker 2: what other options they have. And I feel like knowledge

1038
00:45:43,520 --> 00:45:45,560
Speaker 2: is power, and you have to you have to know

1039
00:45:45,640 --> 00:45:47,400
Speaker 2: what other options are out there. It's harder when you

1040
00:45:47,520 --> 00:45:50,800
Speaker 2: have private student loan debt, obviously it is. There's no

1041
00:45:50,920 --> 00:45:53,520
Speaker 2: income based repayment plan. But there's things you can do,

1042
00:45:53,680 --> 00:45:55,920
Speaker 2: like refinance your loan and get a lower interest rate

1043
00:45:57,440 --> 00:46:00,920
Speaker 2: that can help, and or consolidate your loans. And the

1044
00:46:01,000 --> 00:46:02,720
Speaker 2: last thing you want to do is go into the future.

1045
00:46:02,800 --> 00:46:04,399
Speaker 2: Is like going in the future in time machine, hopping

1046
00:46:04,440 --> 00:46:05,919
Speaker 2: up and snatching money from an eight year old.

1047
00:46:05,840 --> 00:46:10,080
Speaker 1: Woman basically, and that woman being you, yea, give me

1048
00:46:10,120 --> 00:46:17,200
Speaker 1: your money, eat some cat food, exactly exactly. So I

1049
00:46:17,320 --> 00:46:19,080
Speaker 1: saw an interesting question. I think this is the one

1050
00:46:19,080 --> 00:46:20,560
Speaker 1: I want to answer. You want to answer the home

1051
00:46:20,640 --> 00:46:21,200
Speaker 1: buying question?

1052
00:46:21,960 --> 00:46:25,279
Speaker 2: Yeah, sweetly pulled up real quick. Okay, okay, okay, yeah,

1053
00:46:25,520 --> 00:46:25,960
Speaker 2: I'll read it.

1054
00:46:26,200 --> 00:46:26,480
Speaker 1: Okay.

1055
00:46:26,560 --> 00:46:28,560
Speaker 2: Well, she wants her to call this Wesley Joe.

1056
00:46:28,680 --> 00:46:30,879
Speaker 1: Okay, hey, Wesley Joe.

1057
00:46:31,880 --> 00:46:34,479
Speaker 2: All right, so this wok. You have a question from

1058
00:46:34,840 --> 00:46:36,960
Speaker 2: someone who'd like to go by the name Wesley Joe,

1059
00:46:37,280 --> 00:46:40,560
Speaker 2: which is very specific for an alias, but I support you,

1060
00:46:41,239 --> 00:46:48,440
Speaker 2: Wesley Joe. Her question is very interesting. Sou Wesley Joe

1061
00:46:48,560 --> 00:46:52,120
Speaker 2: says that she is with her boyfriend. She currently lives

1062
00:46:52,160 --> 00:46:54,520
Speaker 2: with her boyfriend in a rented apartment, So here's her question.

1063
00:46:55,000 --> 00:46:57,160
Speaker 2: We both have the dream of being homeowners. I want

1064
00:46:57,200 --> 00:46:59,040
Speaker 2: a nice kitchen and he just wants his man cave.

1065
00:47:00,000 --> 00:47:03,240
Speaker 2: In our past financial situations, our credit is less than perfect.

1066
00:47:03,600 --> 00:47:06,120
Speaker 2: But recently, in the past six months, we've both increased

1067
00:47:06,120 --> 00:47:08,520
Speaker 2: our income in order to build it back up using

1068
00:47:08,560 --> 00:47:12,440
Speaker 2: tips from Brown Ambition. So a woo woo, whatever that was.

1069
00:47:13,600 --> 00:47:16,560
Speaker 2: We recently heard of a program called NACA called the

1070
00:47:16,600 --> 00:47:20,040
Speaker 2: Neighborhood Assistance Corporation of America that does home buying workshops

1071
00:47:20,080 --> 00:47:23,480
Speaker 2: classes in order to make home buying more affordable. But

1072
00:47:23,600 --> 00:47:25,560
Speaker 2: since he and I aren't married yet, I go back

1073
00:47:25,600 --> 00:47:28,680
Speaker 2: and forth between getting and mortgage with him for two reasons.

1074
00:47:29,000 --> 00:47:30,840
Speaker 2: The first is because we aren't married yet and the

1075
00:47:30,880 --> 00:47:34,280
Speaker 2: second is One qualification criteria is to submit your taxes

1076
00:47:34,320 --> 00:47:37,400
Speaker 2: for the past three years. He hasn't filed his taxes

1077
00:47:37,440 --> 00:47:39,560
Speaker 2: in the past two years. He does have a plan

1078
00:47:39,680 --> 00:47:42,520
Speaker 2: to file them and start to pay them back. But

1079
00:47:42,719 --> 00:47:46,160
Speaker 2: basically that wouldn't make us eligible US eligible until he

1080
00:47:46,200 --> 00:47:49,719
Speaker 2: starts that process. So she's asking I do make more

1081
00:47:49,760 --> 00:47:51,800
Speaker 2: than him, but he does pay rent in its contribution

1082
00:47:51,920 --> 00:47:55,160
Speaker 2: would unlock more purchasing power for us and home buying.

1083
00:47:55,280 --> 00:47:57,279
Speaker 2: So what do I do do I wait for him

1084
00:47:57,320 --> 00:47:59,600
Speaker 2: to get those taxes in order or move forward in

1085
00:47:59,680 --> 00:48:02,680
Speaker 2: the pross without him and use his rent pavement as

1086
00:48:02,680 --> 00:48:08,120
Speaker 2: additional income to speed the process up. Wesley, Joe, you know,

1087
00:48:08,160 --> 00:48:08,720
Speaker 2: it's so funny.

1088
00:48:08,760 --> 00:48:11,080
Speaker 1: Wesley. I'm like, we're like twinsy. So I live with

1089
00:48:11,160 --> 00:48:14,440
Speaker 1: my booboo as well, and we just were talking about,

1090
00:48:14,680 --> 00:48:19,200
Speaker 1: you know, home buying, and we signed up for a NACA. Yeah,

1091
00:48:19,280 --> 00:48:20,960
Speaker 1: so I know exactly, Like that's why I picked this one.

1092
00:48:20,960 --> 00:48:24,359
Speaker 1: I was like, yes, So this is what we talked about.

1093
00:48:24,480 --> 00:48:28,040
Speaker 1: I said, you know, it's one thing to live together,

1094
00:48:28,160 --> 00:48:31,640
Speaker 1: but it's another thing to buy a home together before marriage.

1095
00:48:31,719 --> 00:48:33,640
Speaker 1: So we're not going to buy a home together, so

1096
00:48:33,760 --> 00:48:38,200
Speaker 1: instead we're going to NACA. I think our NACA workshop

1097
00:48:38,400 --> 00:48:41,120
Speaker 1: is in April because I have a few friends that

1098
00:48:41,200 --> 00:48:44,880
Speaker 1: went through it and they loved it, and he is

1099
00:48:44,960 --> 00:48:47,120
Speaker 1: actually going to purchase first. I helped him get his

1100
00:48:47,280 --> 00:48:49,759
Speaker 1: credit strong with just the information that I know as

1101
00:48:49,800 --> 00:48:52,759
Speaker 1: a financial educator. So his credit scores up like over

1102
00:48:52,880 --> 00:48:55,680
Speaker 1: one hundred points. He's been saving, saving, saving, and I

1103
00:48:55,760 --> 00:48:59,560
Speaker 1: helped him to save by setting up different like savings accounts,

1104
00:49:00,000 --> 00:49:03,800
Speaker 1: and so he is basically ready. He works for the

1105
00:49:03,880 --> 00:49:06,759
Speaker 1: city of where we live as a contractor, so he

1106
00:49:06,880 --> 00:49:08,560
Speaker 1: knows how to fix stuff. So we're actually gonna or

1107
00:49:08,640 --> 00:49:11,120
Speaker 1: he's actually going to look into a multi family house

1108
00:49:11,840 --> 00:49:14,839
Speaker 1: because with NACA they look at your income, but if

1109
00:49:14,840 --> 00:49:17,680
Speaker 1: you get a multi family house, they will include your

1110
00:49:17,800 --> 00:49:21,360
Speaker 1: rental income with how much house you can afford. So

1111
00:49:21,800 --> 00:49:23,680
Speaker 1: he's going to get a multi family house, but it'll

1112
00:49:23,719 --> 00:49:28,120
Speaker 1: be his house, and then I want to because with NAKA,

1113
00:49:28,400 --> 00:49:32,359
Speaker 1: you also cannot have bought a house within the last

1114
00:49:32,400 --> 00:49:34,319
Speaker 1: two years I believe, or cannot currently own a house

1115
00:49:34,440 --> 00:49:36,279
Speaker 1: or something to that effect. So he's going to get

1116
00:49:36,280 --> 00:49:38,760
Speaker 1: a house, and then I will get a multi family

1117
00:49:38,800 --> 00:49:41,799
Speaker 1: house and it'll be the beginning of what I hope

1118
00:49:41,840 --> 00:49:44,759
Speaker 1: to be a strong investment stream for both of us.

1119
00:49:44,800 --> 00:49:46,359
Speaker 1: And then when we get married, you know, we can

1120
00:49:46,400 --> 00:49:48,960
Speaker 1: get a house together. But I'm not going to purchase

1121
00:49:49,000 --> 00:49:50,640
Speaker 1: a house with him, but it doesn't mean I won't

1122
00:49:50,680 --> 00:49:53,120
Speaker 1: help him to purchase a home and then you know,

1123
00:49:53,280 --> 00:49:56,200
Speaker 1: not help to contribute. It's just because I just feel

1124
00:49:56,239 --> 00:50:00,160
Speaker 1: like boyfriend and girlfriend purchasing a home is just like

1125
00:50:00,239 --> 00:50:01,840
Speaker 1: that next level. If you're going to move to that

1126
00:50:01,880 --> 00:50:03,280
Speaker 1: next level, you might as well get married.

1127
00:50:04,160 --> 00:50:06,280
Speaker 2: Well, there's a lot of go ahead.

1128
00:50:06,480 --> 00:50:08,240
Speaker 1: No, And I was gonna say that's just my opinion, though.

1129
00:50:08,320 --> 00:50:09,759
Speaker 2: Well there's a lot. I mean, I feel like this

1130
00:50:09,880 --> 00:50:11,759
Speaker 2: is a problem, or not a problem, but it's a

1131
00:50:11,840 --> 00:50:13,640
Speaker 2: it's a crossroads that a lot of couples who live

1132
00:50:13,680 --> 00:50:16,000
Speaker 2: together but aren't married yet are facing, which is a

1133
00:50:16,080 --> 00:50:18,440
Speaker 2: lot of us now right, mm hmm, Well there's some

1134
00:50:18,640 --> 00:50:21,880
Speaker 2: And like she says, you when you buy a home,

1135
00:50:21,880 --> 00:50:24,160
Speaker 2: when you fee out of orange application, whoever you're buying

1136
00:50:24,200 --> 00:50:28,080
Speaker 2: a home with their credit, their tax situation can really

1137
00:50:28,120 --> 00:50:31,520
Speaker 2: screw you over, really hurt your chances. You may even

1138
00:50:31,600 --> 00:50:33,279
Speaker 2: qualify for a loan, but they may get you a

1139
00:50:33,360 --> 00:50:35,200
Speaker 2: higher interest rate and make it more expensive down the

1140
00:50:35,280 --> 00:50:38,040
Speaker 2: line for you. So I think it's smart to consider

1141
00:50:38,840 --> 00:50:42,759
Speaker 2: maybe approaching this from an individual basis. I think what

1142
00:50:43,440 --> 00:50:45,600
Speaker 2: most people advise couples doing who are going to buy

1143
00:50:45,600 --> 00:50:48,239
Speaker 2: a home together, even married couples is to draw up

1144
00:50:48,280 --> 00:50:51,280
Speaker 2: a property agreement, or to have some sort of legal

1145
00:50:51,320 --> 00:50:53,680
Speaker 2: document in place. A real estate attorney can help you

1146
00:50:53,760 --> 00:50:56,120
Speaker 2: draw up that says what happens if you break up,

1147
00:50:56,800 --> 00:51:01,520
Speaker 2: That says what happens if you know, you buy the

1148
00:51:01,600 --> 00:51:04,360
Speaker 2: house and he's living there and contributing to the mortgage payment,

1149
00:51:04,400 --> 00:51:06,719
Speaker 2: but maybe your name's only on the title and the deed,

1150
00:51:07,120 --> 00:51:09,360
Speaker 2: so he doesn't have any legal rights. But an agreement

1151
00:51:09,400 --> 00:51:12,520
Speaker 2: would give him some sort of comfort knowing, Okay, well

1152
00:51:12,560 --> 00:51:14,640
Speaker 2: I've contributed, I put equity into the home, and so

1153
00:51:14,760 --> 00:51:18,640
Speaker 2: I'll be protected if we break up. And I think

1154
00:51:18,680 --> 00:51:20,960
Speaker 2: that that sort of legal document can really help make

1155
00:51:21,000 --> 00:51:24,000
Speaker 2: sure that both parties are sort of covered. But I

1156
00:51:24,120 --> 00:51:26,640
Speaker 2: definitely don't think it's a sort of purchase you make

1157
00:51:27,880 --> 00:51:32,359
Speaker 2: until you're absolutely sure that you can see yourself, I mean,

1158
00:51:33,160 --> 00:51:37,000
Speaker 2: with this person for a long time. I don't know.

1159
00:51:37,200 --> 00:51:40,560
Speaker 2: I almost want to say, just buy the house on

1160
00:51:40,640 --> 00:51:43,960
Speaker 2: your own, and then, like you said, have him keep

1161
00:51:44,000 --> 00:51:47,640
Speaker 2: contributing to the monthly costs, and then if you decide

1162
00:51:47,680 --> 00:51:49,719
Speaker 2: to get married, then at that point you can drop

1163
00:51:49,800 --> 00:51:53,439
Speaker 2: that sort of legal agreement that says, you know, here's

1164
00:51:53,480 --> 00:51:56,319
Speaker 2: who owns a house. You know, add him to the deed,

1165
00:51:56,400 --> 00:51:58,839
Speaker 2: add him to the title, whatever it takes to make

1166
00:51:58,920 --> 00:52:01,480
Speaker 2: things equitable. But I don't know if it's And you

1167
00:52:01,560 --> 00:52:03,319
Speaker 2: don't say how long you've been together or if you're

1168
00:52:03,320 --> 00:52:06,600
Speaker 2: even talked about marriage, so I don't know if it's.

1169
00:52:06,640 --> 00:52:10,680
Speaker 2: It's so such a good idea to to tie yourself

1170
00:52:10,719 --> 00:52:11,759
Speaker 2: to this person in that way.

1171
00:52:12,960 --> 00:52:16,040
Speaker 1: Yeah, and especially when you have the opportunity, it seems

1172
00:52:16,080 --> 00:52:19,359
Speaker 1: like you could do it yourself, so I would.

1173
00:52:19,800 --> 00:52:21,840
Speaker 2: It's only been six months since they got their financial

1174
00:52:21,920 --> 00:52:24,799
Speaker 2: act together too, yeah, so it could be just I mean,

1175
00:52:25,000 --> 00:52:27,520
Speaker 2: it could be. I think the NAKA, the NACA thing

1176
00:52:27,640 --> 00:52:29,400
Speaker 2: is a great idea. I've written about it, but I've

1177
00:52:29,440 --> 00:52:32,000
Speaker 2: never done it before. But I feel like that could

1178
00:52:32,800 --> 00:52:34,359
Speaker 2: You don't want to rush into this sort of thing,

1179
00:52:34,640 --> 00:52:36,080
Speaker 2: and I think the NAKA would be a good place

1180
00:52:36,120 --> 00:52:38,520
Speaker 2: to sort of slow things down and think about things.

1181
00:52:39,080 --> 00:52:40,799
Speaker 2: At the end of this NACA class, you may feel

1182
00:52:40,840 --> 00:52:44,120
Speaker 2: differently about wanting to buy a home right now, you

1183
00:52:44,200 --> 00:52:44,760
Speaker 2: know exactly.

1184
00:52:44,920 --> 00:52:46,600
Speaker 1: That's what I like about what I've seen. From what

1185
00:52:46,640 --> 00:52:48,680
Speaker 1: I've seen about NACA, what I really like about it

1186
00:52:49,200 --> 00:52:54,080
Speaker 1: is the education piece. So many people Russian to purchasing

1187
00:52:54,120 --> 00:52:56,440
Speaker 1: a home and actually I wrote this piece. If you

1188
00:52:56,600 --> 00:53:00,799
Speaker 1: go to the Budget needs to blog that. I wrote

1189
00:53:00,840 --> 00:53:03,040
Speaker 1: this piece like a checklist of what I wish somebody

1190
00:53:03,040 --> 00:53:05,040
Speaker 1: would told me before I bought my home. I bought

1191
00:53:05,040 --> 00:53:07,320
Speaker 1: a home at twenty five because I thought, I'm grown.

1192
00:53:07,520 --> 00:53:09,879
Speaker 1: That's what twenty five year olds do. When you're grown,

1193
00:53:10,040 --> 00:53:12,400
Speaker 1: you have some money, and I wanted to, like, you know,

1194
00:53:12,880 --> 00:53:16,640
Speaker 1: assert my adultness. And so I bought a home and

1195
00:53:16,880 --> 00:53:19,760
Speaker 1: I did all the wrong things, and as a result,

1196
00:53:19,800 --> 00:53:22,160
Speaker 1: I ended up losing my home to foreclosure about five

1197
00:53:22,239 --> 00:53:24,480
Speaker 1: or six years later. And so I said, you know what,

1198
00:53:24,640 --> 00:53:26,560
Speaker 1: I don't want someone else to make my mistake. So

1199
00:53:26,640 --> 00:53:30,120
Speaker 1: I created this checklist of what I wish people would

1200
00:53:30,120 --> 00:53:32,320
Speaker 1: have told me before I purchased. And I think it

1201
00:53:32,360 --> 00:53:34,360
Speaker 1: would be helpful. So if you just go to the

1202
00:53:34,400 --> 00:53:37,759
Speaker 1: budget eastablog dot com and type in checklist and it'll

1203
00:53:37,800 --> 00:53:40,080
Speaker 1: pop up, and just you know, I mean, it's not

1204
00:53:40,200 --> 00:53:41,880
Speaker 1: the Bible, you know, it's like maybe like six or

1205
00:53:41,920 --> 00:53:44,560
Speaker 1: seven things, but it certainly will help put some some

1206
00:53:44,680 --> 00:53:46,480
Speaker 1: of the things you're thinking about into perspective.

1207
00:53:47,600 --> 00:53:49,279
Speaker 2: And so I just want to have addressed real quick.

1208
00:53:49,320 --> 00:53:52,640
Speaker 2: There an issue about his taxes. Maybe I'm just a

1209
00:53:52,719 --> 00:53:54,399
Speaker 2: hard ass, But I feel like this is a big

1210
00:53:55,120 --> 00:53:58,160
Speaker 2: no no. I feel like I'm glad that she knows

1211
00:53:58,200 --> 00:53:59,920
Speaker 2: about it. For one thing, I think it's it's great

1212
00:54:00,080 --> 00:54:02,040
Speaker 2: he's been transparent about the tax debt that he has.

1213
00:54:02,120 --> 00:54:04,200
Speaker 2: But I would really question whether this is a person

1214
00:54:04,280 --> 00:54:06,720
Speaker 2: that you want to take on this kind of financial

1215
00:54:06,760 --> 00:54:09,320
Speaker 2: responsibility with if he's had so much problems in the

1216
00:54:09,360 --> 00:54:12,520
Speaker 2: past paying his taxes or even just submitting your taxes.

1217
00:54:12,560 --> 00:54:15,319
Speaker 2: You know that's those come with penalties, with interest, all

1218
00:54:15,400 --> 00:54:18,200
Speaker 2: sorts of fees. So you don't say exactly how much

1219
00:54:18,280 --> 00:54:20,120
Speaker 2: debt he has, but that would really I don't even

1220
00:54:20,120 --> 00:54:21,600
Speaker 2: know if you can get approved for a mortgage with

1221
00:54:21,640 --> 00:54:23,960
Speaker 2: that kind of debt that you haven't paid, and it

1222
00:54:24,000 --> 00:54:26,359
Speaker 2: could be a long while until he, like you say,

1223
00:54:27,080 --> 00:54:30,040
Speaker 2: can start the process of paying that off. So I

1224
00:54:30,719 --> 00:54:32,920
Speaker 2: would say you have to be a little bit selfish

1225
00:54:33,040 --> 00:54:36,120
Speaker 2: and think about your best interest. And he doesn't sound

1226
00:54:36,239 --> 00:54:40,719
Speaker 2: like the best home buying partner. Right now, yeah, right now,

1227
00:54:40,880 --> 00:54:42,680
Speaker 2: And again, it's only been six months since you guys

1228
00:54:42,760 --> 00:54:44,799
Speaker 2: have started trying to get your finances back on track.

1229
00:54:44,840 --> 00:54:48,400
Speaker 2: Don't try and do too much too quickly, like starting

1230
00:54:48,440 --> 00:54:50,080
Speaker 2: any kind of new habits, like when you start a

1231
00:54:50,160 --> 00:54:52,319
Speaker 2: new budgeting or financial habit. It takes time to get

1232
00:54:52,360 --> 00:54:55,439
Speaker 2: that really to become a part of your daily habit

1233
00:54:55,520 --> 00:54:57,960
Speaker 2: and your you know, financial habits. And it's great that

1234
00:54:58,040 --> 00:55:00,680
Speaker 2: maybe those are part of your habits now, But six months,

1235
00:55:00,840 --> 00:55:03,640
Speaker 2: I don't know if that's enough time to to really

1236
00:55:03,719 --> 00:55:06,600
Speaker 2: be like, Okay, okay, he's definitely financially better, like we're Beth,

1237
00:55:06,680 --> 00:55:11,680
Speaker 2: We're definitely on track to continue this sort of new lifestyle. Agreed,

1238
00:55:13,680 --> 00:55:15,279
Speaker 2: But yeah, good luck Wesley Joe.

1239
00:55:15,760 --> 00:55:18,840
Speaker 1: Yes, Wesley Joe. We look forward to your home, your housewarming.

1240
00:55:19,360 --> 00:55:21,160
Speaker 2: I'm ready to buy a house too. Is this is

1241
00:55:21,239 --> 00:55:22,960
Speaker 2: this happening or all like buying houses now?

1242
00:55:23,320 --> 00:55:25,680
Speaker 1: I know honestly, Like, well, I'm not, but Superman is

1243
00:55:25,680 --> 00:55:29,160
Speaker 1: definitely gonna because he it's so crazy. I don't know

1244
00:55:29,200 --> 00:55:32,040
Speaker 1: if this has happened well with you and uh and

1245
00:55:32,280 --> 00:55:35,440
Speaker 1: fiance bu but like you know, as you start to

1246
00:55:35,520 --> 00:55:39,359
Speaker 1: do something new or different or just whatever, they kind

1247
00:55:39,360 --> 00:55:41,000
Speaker 1: of look and they're like, oh, that looks interesting. I

1248
00:55:41,040 --> 00:55:43,399
Speaker 1: think I want to try that. And so he's been

1249
00:55:43,480 --> 00:55:45,880
Speaker 1: watching me for the last week. Lived together for like

1250
00:55:45,960 --> 00:55:48,759
Speaker 1: a little over a year and a half, and he's

1251
00:55:48,800 --> 00:55:52,160
Speaker 1: been watching me grow my business and it's made him say,

1252
00:55:52,239 --> 00:55:55,560
Speaker 1: not necessarily that he wants to be like, uh, an

1253
00:55:55,760 --> 00:55:59,560
Speaker 1: entrepreneur in this way, but like, hey, I have skills

1254
00:56:00,360 --> 00:56:03,200
Speaker 1: that I can monetize. Basically, it's making him to me

1255
00:56:03,360 --> 00:56:05,920
Speaker 1: that's what he and I haven't been pushing it on him.

1256
00:56:05,960 --> 00:56:07,760
Speaker 1: He's just been like, I know how to do things,

1257
00:56:07,840 --> 00:56:09,919
Speaker 1: and I can get paid for them outside of work.

1258
00:56:10,000 --> 00:56:13,160
Speaker 1: And one of those things is, like I said, he

1259
00:56:13,719 --> 00:56:16,560
Speaker 1: knows how to fix everything for housing. One of the

1260
00:56:16,640 --> 00:56:19,080
Speaker 1: things one of the things that he does is he

1261
00:56:19,239 --> 00:56:22,000
Speaker 1: turns over apartments so someone moves up, moves out, and

1262
00:56:22,560 --> 00:56:24,719
Speaker 1: he'll do the floors, the ceiling, all these different things.

1263
00:56:25,360 --> 00:56:28,120
Speaker 1: And so I'm like, well, you could do that, like

1264
00:56:28,160 --> 00:56:30,400
Speaker 1: if you own property, you could do that and make

1265
00:56:30,480 --> 00:56:32,879
Speaker 1: way more money, even if it's just on the side.

1266
00:56:32,920 --> 00:56:35,880
Speaker 1: And so that's what's been like pushing him toward this,

1267
00:56:36,040 --> 00:56:38,799
Speaker 1: and I'm just excited to see how he's growing because

1268
00:56:38,800 --> 00:56:41,200
Speaker 1: he's starting to realize I have skills and talents that

1269
00:56:41,239 --> 00:56:42,040
Speaker 1: I can monetize.

1270
00:56:44,120 --> 00:56:49,160
Speaker 2: Goods a Superman, Yes, Superman's about the fly, power cupoler.

1271
00:56:50,600 --> 00:56:53,919
Speaker 1: Whatever. We're like, I'm like power Tire. We're such old people.

1272
00:56:54,000 --> 00:56:56,080
Speaker 1: Like last night, I'm like Superman, I came upstairs. He

1273
00:56:56,200 --> 00:56:58,120
Speaker 1: was like, we have like a massager that you could

1274
00:56:58,160 --> 00:56:59,920
Speaker 1: like put in the chair that he got for fop

1275
00:57:00,080 --> 00:57:02,200
Speaker 1: this day, and I just found him there just like

1276
00:57:02,320 --> 00:57:03,960
Speaker 1: asleep like an old man. I was just like, look

1277
00:57:03,960 --> 00:57:08,640
Speaker 1: at Superman, just like sitting in the chair like snoring.

1278
00:57:08,680 --> 00:57:11,040
Speaker 1: And I'm like, babe, you don't want to lay no, no, no, no, no,

1279
00:57:11,320 --> 00:57:13,279
Speaker 1: I'm awake. I'm a I'm like, you're clearly not awake.

1280
00:57:13,880 --> 00:57:15,800
Speaker 1: It's okay to go to sleep at nine o'clock. Just

1281
00:57:15,920 --> 00:57:17,680
Speaker 1: go ahead, go ahead and lay down, Boo. It's over.

1282
00:57:18,000 --> 00:57:20,120
Speaker 2: I'm sure he loves you sharing that story with the world.

1283
00:57:20,320 --> 00:57:21,320
Speaker 2: I know, you know what.

1284
00:57:21,400 --> 00:57:23,080
Speaker 1: I love to though. I just love that he is

1285
00:57:23,160 --> 00:57:26,560
Speaker 1: so not social media savvy. He doesn't know He's like podcast,

1286
00:57:26,640 --> 00:57:28,320
Speaker 1: what's that? I'm like, exactly, you.

1287
00:57:28,480 --> 00:57:29,520
Speaker 2: Talk so much Mac.

1288
00:57:30,640 --> 00:57:30,840
Speaker 1: Yeah.

1289
00:57:30,960 --> 00:57:33,960
Speaker 2: Well, unfortunately for me, all of fiance Boo's family listens

1290
00:57:33,960 --> 00:57:38,440
Speaker 2: to this podcast more than he does, so fonce Boo

1291
00:57:38,560 --> 00:57:41,800
Speaker 2: is like guys of eyes and ears, yup, no Superman.

1292
00:57:41,480 --> 00:57:43,760
Speaker 1: Anywhere, he doesn't quite. I mean, I know that there's

1293
00:57:43,800 --> 00:57:46,520
Speaker 1: a few people, but yeah, they've been pretty good about

1294
00:57:46,600 --> 00:57:48,360
Speaker 1: not telling him, so let's keep it that way. I

1295
00:57:48,400 --> 00:57:49,800
Speaker 1: have my eye on you. I know who you are.

1296
00:58:01,800 --> 00:58:04,080
Speaker 1: So any wins, I'm gonna I don't really have a win,

1297
00:58:04,200 --> 00:58:06,000
Speaker 1: but I definitely have a book a book share.

1298
00:58:06,320 --> 00:58:07,920
Speaker 2: You have a bookshare. Well we have a joint win.

1299
00:58:08,320 --> 00:58:09,960
Speaker 2: If you guys saw on our page we posted we

1300
00:58:10,000 --> 00:58:14,000
Speaker 2: were on the cover. Yeah, I know a relatively new

1301
00:58:14,120 --> 00:58:17,720
Speaker 2: digital magazine called a Fia a fi y a magazine

1302
00:58:18,240 --> 00:58:22,040
Speaker 2: and it's a really dope magazine. It's it's published and

1303
00:58:22,200 --> 00:58:24,760
Speaker 2: created by a woman named Rashida. It's her last name

1304
00:58:24,800 --> 00:58:27,800
Speaker 2: Joon and so I'm making that up, I think so Rashida, no,

1305
00:58:27,920 --> 00:58:31,000
Speaker 2: Rashida Marshall. Okay, Rashida Marshall who started to be a

1306
00:58:31,080 --> 00:58:33,480
Speaker 2: magazine about I don't know. It's been a few issues now,

1307
00:58:34,040 --> 00:58:35,520
Speaker 2: so you can check us out there the links on

1308
00:58:35,560 --> 00:58:38,760
Speaker 2: our Facebook page. It's only two ninety nine to download it,

1309
00:58:38,760 --> 00:58:40,800
Speaker 2: which I think is less than most magazines cross on

1310
00:58:40,880 --> 00:58:43,800
Speaker 2: newsstands for sure. And the magazine's all about health and

1311
00:58:43,920 --> 00:58:48,520
Speaker 2: wellness and improving your life, and it's of course really

1312
00:58:48,800 --> 00:58:52,640
Speaker 2: uh targeting a brown audience, so perfectly in line with

1313
00:58:52,760 --> 00:58:56,440
Speaker 2: our with our podcast. So thanks again for putting us

1314
00:58:56,440 --> 00:58:56,800
Speaker 2: on the cover.

1315
00:58:57,120 --> 00:58:59,320
Speaker 1: Yeah, that was a win. I was like, oh, we

1316
00:58:59,400 --> 00:59:01,160
Speaker 1: gotta come. We got a cover. We're famous.

1317
00:59:01,240 --> 00:59:05,480
Speaker 2: Now what else? Oh? What did I want? When? Oh?

1318
00:59:05,520 --> 00:59:06,360
Speaker 2: That was my win? Done?

1319
00:59:06,400 --> 00:59:08,680
Speaker 1: Okay, you're turn So I don't like I said, I

1320
00:59:08,680 --> 00:59:10,400
Speaker 1: don't have a win, but I do have a book. Share.

1321
00:59:10,480 --> 00:59:14,280
Speaker 1: Do I share this book? Did I share the book Launch? No? Okay?

1322
00:59:14,800 --> 00:59:16,800
Speaker 1: So it's this great book. So for those of you,

1323
00:59:16,880 --> 00:59:18,360
Speaker 1: because I know we got we get a lot of

1324
00:59:18,720 --> 00:59:21,760
Speaker 1: entrepreneur interests and for those of you who are maybe

1325
00:59:21,880 --> 00:59:25,160
Speaker 1: interested in being an entrepreneur. So there's this great book

1326
00:59:25,160 --> 00:59:28,160
Speaker 1: that I want to introduce to y'all. An entrepreneur shared

1327
00:59:28,200 --> 00:59:30,360
Speaker 1: it with me, and I just think that if you're

1328
00:59:30,360 --> 00:59:32,040
Speaker 1: an entrepreneur, this is just going to be a great

1329
00:59:32,200 --> 00:59:36,160
Speaker 1: resource to you. It's called Launch by Jeff Walker, and

1330
00:59:36,240 --> 00:59:38,120
Speaker 1: I'll send you the link, Mandy that we can share

1331
00:59:38,120 --> 00:59:40,640
Speaker 1: with them. So what I love about Launch is that

1332
00:59:41,480 --> 00:59:45,600
Speaker 1: it's if you have a product or service, which if

1333
00:59:45,600 --> 00:59:47,880
Speaker 1: you're an entrepreneur, that's the purpose that you have a

1334
00:59:47,960 --> 00:59:51,360
Speaker 1: product or service, but that you're trying to share with

1335
00:59:51,600 --> 00:59:54,320
Speaker 1: the world, and maybe you've already shared it with them

1336
00:59:54,360 --> 00:59:57,360
Speaker 1: and they seem uninterested. This is such a great book

1337
00:59:57,560 --> 01:00:01,160
Speaker 1: to teach you how to launch, really meaning how to

1338
01:00:01,320 --> 01:00:03,840
Speaker 1: introduce a product or service to people so that way

1339
01:00:03,880 --> 01:00:07,040
Speaker 1: they are interested. And what I like about it is

1340
01:00:07,120 --> 01:00:09,960
Speaker 1: that it really goes into marketing and psychology and like

1341
01:00:10,040 --> 01:00:12,200
Speaker 1: why people make the choices that they make. But what

1342
01:00:12,320 --> 01:00:14,320
Speaker 1: I really like is that because some books are like

1343
01:00:15,280 --> 01:00:18,800
Speaker 1: all theory, no strategy, but no, he really breaks down

1344
01:00:18,920 --> 01:00:21,760
Speaker 1: day one, do this, day two, write this, say this.

1345
01:00:22,480 --> 01:00:24,720
Speaker 1: So he gives you the theory, but then gives you

1346
01:00:24,800 --> 01:00:27,280
Speaker 1: the application as well. And it's not a long read.

1347
01:00:27,360 --> 01:00:29,480
Speaker 1: It's just a really good book. And I used it

1348
01:00:30,600 --> 01:00:33,920
Speaker 1: really to help me launch the Literature Academy, I mean,

1349
01:00:33,960 --> 01:00:36,320
Speaker 1: and it was really successful. We got twenty nine hundred

1350
01:00:36,360 --> 01:00:39,360
Speaker 1: people signed up, and I really credit the book for

1351
01:00:39,480 --> 01:00:42,520
Speaker 1: helping to guide my hand. There's just so much stuff

1352
01:00:42,520 --> 01:00:45,640
Speaker 1: I didn't know. I'm like, oh oh, so yeah, it's

1353
01:00:45,640 --> 01:00:47,160
Speaker 1: just a really great book. Like I said, if you

1354
01:00:47,280 --> 01:00:51,240
Speaker 1: have if you just have an idea for a business,

1355
01:00:51,480 --> 01:00:53,520
Speaker 1: or you're coming out with a new product or service,

1356
01:00:53,800 --> 01:00:55,800
Speaker 1: or you want to revive an old product or service,

1357
01:00:57,120 --> 01:00:59,800
Speaker 1: or even if you're just interested in psychology and like marketing,

1358
01:01:00,280 --> 01:01:02,680
Speaker 1: I think it's just a great read. It's called Launch

1359
01:01:03,120 --> 01:01:07,120
Speaker 1: like Launchpad or Launch into the Atmosphere by Jeff Walker

1360
01:01:07,920 --> 01:01:08,320
Speaker 1: good one.

1361
01:01:09,000 --> 01:01:11,320
Speaker 2: I have a book to share too that we're reading. Well,

1362
01:01:11,320 --> 01:01:13,080
Speaker 2: we started out reading it. I have a little like

1363
01:01:13,560 --> 01:01:16,400
Speaker 2: casual book club with some friends. We started reading All

1364
01:01:16,480 --> 01:01:19,160
Speaker 2: the Single Ladies, which is this new book written by

1365
01:01:19,240 --> 01:01:22,120
Speaker 2: Rebecca Chaster who's a writer for New York Magazine and

1366
01:01:22,160 --> 01:01:24,280
Speaker 2: The New Yorker and all that. But it's all about

1367
01:01:24,480 --> 01:01:28,840
Speaker 2: the evolution of single women in America and how today

1368
01:01:28,920 --> 01:01:32,520
Speaker 2: only twenty percent of women and today only twenty percent

1369
01:01:32,560 --> 01:01:35,600
Speaker 2: of American women are married by age twenty nine, whereas

1370
01:01:35,680 --> 01:01:39,040
Speaker 2: in nineteen sixty it was near sixty percent. So it's

1371
01:01:39,080 --> 01:01:42,040
Speaker 2: really it's a fascinating and like fun and really well

1372
01:01:42,160 --> 01:01:44,920
Speaker 2: written look at how being single in America has changed

1373
01:01:44,920 --> 01:01:46,800
Speaker 2: and how accepting we are of it now, and not

1374
01:01:46,960 --> 01:01:49,280
Speaker 2: just the fact that it's become more accepting to be

1375
01:01:49,320 --> 01:01:51,760
Speaker 2: a single woman, and not just single not dating, but

1376
01:01:51,840 --> 01:01:54,120
Speaker 2: like single, being unmarried, you know, living with some women

1377
01:01:54,200 --> 01:01:57,040
Speaker 2: not married. And she talks about just the political power

1378
01:01:57,080 --> 01:02:01,240
Speaker 2: we have as single women, how are designers, hope, streams,

1379
01:02:01,560 --> 01:02:05,920
Speaker 2: priorities have changed, and it's it's really really interesting and

1380
01:02:05,960 --> 01:02:08,400
Speaker 2: I think it's really empowering. So you can check that out.

1381
01:02:08,400 --> 01:02:10,360
Speaker 2: It's called All the Single Ladies and.

1382
01:02:10,400 --> 01:02:12,960
Speaker 1: It's all the Single Ladies.

1383
01:02:13,080 --> 01:02:14,840
Speaker 2: I wonder if she had a pay Beyonce for that title,

1384
01:02:15,320 --> 01:02:17,840
Speaker 2: you know, No, I know, And let's the Beyonce copy.

1385
01:02:18,560 --> 01:02:21,600
Speaker 2: Beyonce is a type to like, you know, trademark that

1386
01:02:21,640 --> 01:02:22,120
Speaker 2: kind of stuff.

1387
01:02:22,240 --> 01:02:23,200
Speaker 1: Yeah, I do think so too.

1388
01:02:24,160 --> 01:02:27,280
Speaker 2: So Rebecca, that's Rebecca Tracer t R A I S

1389
01:02:27,400 --> 01:02:29,560
Speaker 2: T e R All the Single Ladies And I'll post

1390
01:02:29,560 --> 01:02:30,280
Speaker 2: a link to that too in.

1391
01:02:30,280 --> 01:02:36,200
Speaker 1: The blog Hooky Doki. So I'm off to my first

1392
01:02:37,160 --> 01:02:39,440
Speaker 1: birthday party from my god son. What are you gonna do?

1393
01:02:39,600 --> 01:02:42,440
Speaker 2: Go crazy? I'm gonna do some laundry and live the

1394
01:02:43,080 --> 01:02:44,520
Speaker 2: life of luxury that I always lead.

1395
01:02:44,960 --> 01:02:48,240
Speaker 1: Look at you, don't don't hurt him now, laundy between

1396
01:02:48,280 --> 01:02:50,600
Speaker 1: me and you. I mean we are here just wild

1397
01:02:50,680 --> 01:02:51,280
Speaker 1: in these streets.

1398
01:02:51,680 --> 01:02:53,200
Speaker 2: Well I read that. I read that from the launch

1399
01:02:53,240 --> 01:02:56,200
Speaker 2: book too. It is I do your laundry. It's going

1400
01:02:56,280 --> 01:02:57,760
Speaker 2: to be cold to day, except better just like not

1401
01:02:57,920 --> 01:03:00,000
Speaker 2: leave the house, so we'll see laundry even gets done.

1402
01:03:00,640 --> 01:03:02,600
Speaker 1: And I hope it doesn't know like they're predicting.

1403
01:03:03,120 --> 01:03:04,720
Speaker 2: Lord, I thought we told the weather.

1404
01:03:04,840 --> 01:03:09,440
Speaker 1: I thought we told I had all the weather right exactly. No,

1405
01:03:09,480 --> 01:03:12,320
Speaker 1: we're gonna end up passing notes. We're gonna have great days.

1406
01:03:12,440 --> 01:03:15,480
Speaker 1: It's still sunny outside and still early to enjoy.

1407
01:03:15,280 --> 01:03:18,000
Speaker 2: It, yes, ma'am. And if you guys have questions again

1408
01:03:18,160 --> 01:03:21,440
Speaker 2: as ever, email us at the BA podcast. Nope, that's

1409
01:03:21,440 --> 01:03:24,720
Speaker 2: not our email address. Email us at the Brown Ambition

1410
01:03:24,880 --> 01:03:28,080
Speaker 2: Podcast at gmail dot com, or tweet us at the

1411
01:03:28,120 --> 01:03:28,880
Speaker 2: BA podcast.

1412
01:03:29,480 --> 01:03:30,880
Speaker 1: I love when you guys tweet us, like I love

1413
01:03:30,920 --> 01:03:34,280
Speaker 1: waking up and I see that you've tweeted BA podcast

1414
01:03:34,480 --> 01:03:38,840
Speaker 1: or Mandy at your Mandy would draw from at Twitter

1415
01:03:39,360 --> 01:03:41,840
Speaker 1: with Mandy with an Ie or the budget list to me,

1416
01:03:42,240 --> 01:03:43,680
Speaker 1: I love when you tweet us and you're like, you

1417
01:03:43,720 --> 01:03:45,959
Speaker 1: guys were hilarious. So you tell us something that we said.

1418
01:03:46,040 --> 01:03:48,640
Speaker 1: It always puts the smile on my face. So tweet, tweet, tweet,

1419
01:03:49,000 --> 01:03:50,120
Speaker 1: tweet tweetly.

1420
01:03:51,400 --> 01:03:53,200
Speaker 2: All right, go have a fabulous day, eat a lot

1421
01:03:53,240 --> 01:03:54,160
Speaker 2: of cake, all right?

1422
01:03:54,200 --> 01:03:56,800
Speaker 1: Oh yes, bye bye bye