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Speaker 1: It's time for the b a qa a to b

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Speaker 1: a q a with tifferinid to b a q a.

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Speaker 1: No man day to b a qa a. It's barnabachan

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Speaker 1: question answers. Manay's not here because she is at a

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Speaker 1: conference slash retreat just living her best life. I was

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Speaker 1: just talking with her earlier today, so she's here in

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Speaker 1: spirit or whatever. So this is Barna Beach in question answers.

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Speaker 1: You have questions, we have some answers. But the thing

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Speaker 1: is we're not your mama, not your father, not your sister,

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Speaker 1: but your friend, not your financial advisor, not your attorney,

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Speaker 1: not your account At the end of the black day,

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Speaker 1: we know none of those things, which means that you

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Speaker 1: are going to take the final say from the people

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Speaker 1: that you pay. Okay, oh that was a bar no

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Speaker 1: for relse who your grandma, not us, because this is

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Speaker 1: just the smallest grain of salt that you're gonna take

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Speaker 1: this entertainment from, because we are not giving you financial

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Speaker 1: advice for just just entertaining you, but certain something to

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Speaker 1: think about, you know, when it comes to whatever your

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Speaker 1: financial woes are. But if you have questions that you'd

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Speaker 1: like to be considered, go ahead on over to briannibisionpodcast

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Speaker 1: dot com. Click contact us Brandivision Podcasts at gmail dot

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Speaker 1: com or Brannabision podcast on ig and sliding our DMS.

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Speaker 1: We have a Moulah baby question from you from I'm

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Speaker 1: gonna call her yoah because I think you gave you

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Speaker 1: a real name. Girl. What should I call you? I'm

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Speaker 1: gonna call you m chi Chi. That's my sister's nickname.

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Speaker 1: Che che hey che j She says. First off, I

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Speaker 1: love you ladies so much. I'm one of them, brown

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Speaker 1: all Filipinos all, so I'm included in the stud too,

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Speaker 1: right you are? We love a Filipina, Okay, she said

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Speaker 1: Brian Filippinas, So I love that. Yes, love a load

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Speaker 1: joking you are, girl. I'd be honored if you ladies

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Speaker 1: answered my question. Okay, chich. I have about two hundred

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Speaker 1: thousand dollars in student loan debt along with about twelve

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Speaker 1: thousand dollars credit card debt. I'm also a mom of

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Speaker 1: a two year old and still live with my parents

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Speaker 1: in expensive Beep Bay area, San Jose, California, John, because

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Speaker 1: the Bay is expensive. California is expensive. My husband and

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Speaker 1: I want to get our own place. Out here because

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Speaker 1: our jobs are here. I'm a physician's assistant currently making

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Speaker 1: one hundred and seventy five thousand dollars, and my husband

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Speaker 1: makes eighty thousand. But we still feel like we can't

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Speaker 1: afford any single family homes out here, because girl, you can't.

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Speaker 1: It's the bay. My question is, should I try to

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Speaker 1: pay off all my dat while saving for a house

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Speaker 1: and purchase later, or just try and get a house

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Speaker 1: sooner and pay off my student loan till I'm like

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Speaker 1: fifty girl? She wrote that, girl, I think that's maybe

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Speaker 1: a loaded question with multiple different answers, but I'd love

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Speaker 1: to hear your thoughts. Thanks in advance. Oh chee chee,

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Speaker 1: hold that thought and we'll be right back. First of all,

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Speaker 1: can we just acknowledge how terrible is it that somebody

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Speaker 1: can make one hundred and seventy five thousand dollars with

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Speaker 1: a partner that makes eighty thousand doll Let's do the math.

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Speaker 1: How much is that? How much of that? How much?

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Speaker 1: How much is how much of that? Let's see calculata

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Speaker 1: see y leata calculator. After a while, Cracker Dog come

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Speaker 1: on camera. Y'all told me to get this iPhone I'm

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Speaker 1: still not impressed. Almost say yea later, I still miss

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Speaker 1: my android. Okay, let's see one seventy five plus eighty

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Speaker 1: thousand is two hundred and fifty five thousand dollars. Is

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Speaker 1: what you guys make? You're living at home and you

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Speaker 1: can't afford home because how much do you have to make?

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Speaker 1: How much I'm about to look up do you have

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Speaker 1: to make to afford a home in the Bay Area.

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Speaker 1: We're gonna see. Let's see what they say. Okay, way

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Speaker 1: where whoa? Okay? The income required to afford a home

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Speaker 1: in the Bay Area depends on city or county and

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Speaker 1: the cost of housing, but in general, in San Francisco,

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Speaker 1: this is as of March twenty twenty four, an income

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Speaker 1: of three hundred and thirty nine thousand dollars eight hundred

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Speaker 1: and sixty four was needed to comfortably afford a mortgage

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Speaker 1: in San Francisco. Child, that's crazy. Oh yeah, that's crazy.

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Speaker 1: Now California, in general, it said to qualify for a

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Speaker 1: mortgage in mid tier California, you would had to make

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Speaker 1: about two hundred and thirty five thousand dollars, you know,

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Speaker 1: which is double more than double the medium household for

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Speaker 1: I guess in the United States, that's crazy. So if

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Speaker 1: you're in San Francisco the Bay Area, which I mean

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Speaker 1: in San Francisco Bay Area, because y'all don't give me

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Speaker 1: the line, you know, for y'all all over there, you'd

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Speaker 1: be like, that's not why that is San Jose. Let

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Speaker 1: me see. Let's see what said what they say in

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Speaker 1: in San Jose. Let's see see San JOSEI Sa Jossey,

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Speaker 1: you say, let's see what they talking about? No way, okay,

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Speaker 1: let me see. Jesus it's worse for you. Well, brace yourself.

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Speaker 1: As of March twenty twenty four, a household in San Jose, California,

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Speaker 1: needs to earn at least Hey, Filipino, sweetheart, listen four

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Speaker 1: hundred fifty four thousand, two hundred and ninety six dollars

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Speaker 1: to afford a mortgage on a home. That's freaking crazy,

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Speaker 1: because the average home value in San Jose is one

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Speaker 1: point four seven two basic one point five million dollars. Hey,

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Speaker 1: you have to make half a million freaking dollars. So

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Speaker 1: for those of you, because I only I'm only sharing this, chichi,

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Speaker 1: because I know some people are like, girl, you live

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Speaker 1: at home. Girl, you and your husband make two fifth.

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Speaker 1: That's a lot of money. Yes, Minnesota, it is a

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Speaker 1: lot of money, but in San Jose it's not enough.

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Speaker 1: It's not enough. She would need to make double that

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Speaker 1: to buy a house. So you're gonna have to ask yourself.

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Speaker 1: Would I be saving until I'm totally paid off? Probably not,

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Speaker 1: because girl, you'll never be able to get a house,

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Speaker 1: because not even about paying off your debt. Honestly, like

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Speaker 1: you would have to make so much and by then

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Speaker 1: you're gonna have to make even more because you have

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Speaker 1: to make them near half a million dollars stuff for

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Speaker 1: the home. So what I would be looking at is that,

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Speaker 1: I mean the Bay Area to me, that San Jose child,

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Speaker 1: it's been out of the question. Are there any other

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Speaker 1: places further out? You know, like do you have to

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Speaker 1: live in California? I mean, I know you your parents

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Speaker 1: live there, which is always really great, especially with a

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Speaker 1: two year old child, so I knew, you know, if

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Speaker 1: your parents are probably helping out significantly. So I'm not

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Speaker 1: saying moving anytime soon, but I might be looking to say, Okay,

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Speaker 1: in the next five years, the baby will be seven.

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Speaker 1: What what is it that we're wanting in the At

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Speaker 1: the end of the day. It's home ownership that critical

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Speaker 1: to us, like what is it that we're wanting? And

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Speaker 1: I would make a financial this decision based upon that, like, Okay,

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Speaker 1: we're gonna stay here for the next five years. By

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Speaker 1: then the baby will be seven. I think. Seven is

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Speaker 1: like second grade, I think, and we can move to

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Speaker 1: set other state or whatever, because I've already done my

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Speaker 1: research that in this state I can still make good

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Speaker 1: money and it goes further here and whatever your husband

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Speaker 1: does can do the same, and I can. You know,

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Speaker 1: we would be able to be and be in the

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Speaker 1: rains to be able to afford a house, so you

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Speaker 1: would have to maybe make some drastic changes, you know,

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Speaker 1: or make significantly more money. It's not just a student

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Speaker 1: loan debt. And also too, I would be keeping my

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Speaker 1: eye on like this current election that's cut well, depending

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Speaker 1: when you listen to this, but I would be looking

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Speaker 1: into the Public Service Loan Forgiveness Program PSLF. I would

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Speaker 1: be looking at the Income Driven Repayment Program, the IDR

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Speaker 1: IDR plan if they're still even here, depending on what's

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Speaker 1: happened with this that election. I'd be looking at student

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Speaker 1: loan debt relief to see like what can I do

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Speaker 1: to qualify for student loan debt relief to maybe get

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Speaker 1: some of that two hundred thousand dollars down or out,

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Speaker 1: you know, you know, definitely work hard and get rid

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Speaker 1: of that credit card debt and try not to get

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Speaker 1: into any more. But I'd be looking for help with

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Speaker 1: that student loan debt child. I would not be doing

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Speaker 1: that by myself. This is a heavy load, child. We

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Speaker 1: all care in this burden. But that's what I would

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Speaker 1: really do. I would not wait for fifty to buy

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Speaker 1: a house. I would ask myself if it's that important

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Speaker 1: for me for me to raise my kid in a house,

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Speaker 1: which you know, so a big goal for a lot

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Speaker 1: of people. It might mean moving and for now a

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Speaker 1: two year old child. I would be home with my

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Speaker 1: parents so they can help. But I would make a

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Speaker 1: five year plan to ask myself, what does that look like?

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Speaker 1: You know, where is there any place else we can move?

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Speaker 1: Do I have a sibling that lives someplace else and

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Speaker 1: maybe it's more cost effective. So I wouldn't be making

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Speaker 1: any moves anytime soon, but I'd be making a plan

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Speaker 1: with my husband to say, how do we want our

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Speaker 1: life to look and how do we arrange our finances

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Speaker 1: to get there. How much money do we need to

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Speaker 1: make if we move to that place, Maybe we would

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Speaker 1: make we would make less, but the cost of living

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Speaker 1: is less. I would start to make those plans while

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Speaker 1: also be looking at these student loans that forgiveness and

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Speaker 1: see what's available, and really attacking that credit card debt

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Speaker 1: and trying not to get back into credit card debt.

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Speaker 1: But in the meantime, in between times, child, parents, watch

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Speaker 1: that two year old while you grind. But yeah, I'm

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Speaker 1: not gonna I'm not waiting for fifty I don't know.

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Speaker 1: If you're forty eight, that's one thing. But if you're

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Speaker 1: forty no, that's ten years. No. I don't think you

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Speaker 1: have to wait that long. You just might have to

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Speaker 1: make a big, big, big addressment. Child, Can you imagine?

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Speaker 1: This is the world we live in all and these

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Speaker 1: are the hands we eve? And oh remember that it

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Speaker 1: was a weird I think it was Phil Collins. Let

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Speaker 1: me see what's that, Phil Collins? The world we live in?

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Speaker 1: I want you guys to look it up. It's weird.

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Speaker 1: It's like a puppet. I mean, I remember being freaked

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Speaker 1: out by as a kid, the world we live in,

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Speaker 1: the world we live and was it Phil Collins? Phil Collins,

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Speaker 1: I think so, Oh, the Land of Confusion. Yes, no,

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Speaker 1: it's by Genesis. It's Genesis. I'm wondering. Was Phil Collins

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Speaker 1: part of Genesis? Child? It was a weird video. Yeah,

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Speaker 1: so I guess Genesis was a group that Phil Collins

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Speaker 1: was a part was a member of. And it's it's

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Speaker 1: called Land of Confusion and it was like puppets, but

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Speaker 1: the puppets were I wouldn't say realistic. They're scared child.

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Speaker 1: Go ahead to the YouTube's and the song is a bop.

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Speaker 1: But the video child, this is back when I was

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Speaker 1: a kid. So Ronald Reagan was president when I was

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Speaker 1: a kid. I don't know, it was probably the eighties,

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Speaker 1: so I was like really young. But I remember this

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Speaker 1: video coming out on MTV and being like, what the

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Speaker 1: entire heck is this? But yeah, it was like and

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Speaker 1: this is the world we live it oh, and these

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Speaker 1: are the hands we live and uh, we're giving a

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Speaker 1: I don't know child. Anyway. The reason why I'm singing

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Speaker 1: is that just look at this. There's too many men,

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Speaker 1: too many people, making too many problems and not much

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Speaker 1: and not so much love going around. Can't you see

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Speaker 1: this is the land of confusion. Child, if this ain't

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Speaker 1: a bot from now, but I would say all that

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Speaker 1: that we're in the world is Carmen San Diego. And

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Speaker 1: where in the world can you and your partner make

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Speaker 1: two hundred and fifty five thousand dollars And it's not

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Speaker 1: enough to move out of your mama's house. Damn Filipino, chee, chee.

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Speaker 1: Ain't that crazy? I try not to get disheartened, but

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Speaker 1: it's like, what the entire hell that doesn't make sense.

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Speaker 1: Two hundred and fifty thousand dollars is a lot of money, yo,

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Speaker 1: a lot of money, and it should be able to

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Speaker 1: get you whatever you're wanting at the bare bones, basically

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Speaker 1: a house, and the fact that it doesn't is really disheartening.

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Speaker 1: I don't know, you know, I don't have the magic

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Speaker 1: wand but if I did, child, you know, if I did,

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Speaker 1: you know, like that's more than enough. The average person

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Speaker 1: doesn't even make half that. I wish you well make

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Speaker 1: your plan, give yourself a five year plan. You might

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Speaker 1: have to move to someplace less expensive. In the meantime,

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Speaker 1: let your parents watch that baby and make your financial

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Speaker 1: plan about where you want to live. We can actually

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Speaker 1: buy something because to be required to like make half

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Speaker 1: a million dollars to buy a house. It's crazy talk. Okay,

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Speaker 1: crazy talk again. If you have questions, we have answers

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Speaker 1: that are entertainment based only. Go ahead on the slide

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Speaker 1: and our dms on Briandavision podcasts on ig briandivisionpodcast dot com.

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Speaker 1: Contact us on our website or Brandavision Podcasts at gmail

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Speaker 1: dot com. Send us an email if you're old school

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Speaker 1: missus Jackson, if you're nasty, and please share this episode

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Speaker 1: because the only way people who know is if you

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Speaker 1: tell them and leave us a review. You know manby

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Speaker 1: be reading the reviews. I don't, but if you leave

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Speaker 1: us a review, especially on Apple podcasts, we will read

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Speaker 1: them out loud aka wee as a mandy because when

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Speaker 1: you leave reviews at less, the algorithm know a the

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Speaker 1: girls is feeling it on whatever. Let's show us other

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Speaker 1: people you know, and as you know, we're here every

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Speaker 1: Monday with a throwback episode, every Wednesday with our regular episode,

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Speaker 1: and every Friday with ba Qa. So if you want

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Speaker 1: us to stay here, you know, eight years later, I

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Speaker 1: think we're eight years of the game, nine years of

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Speaker 1: the game, then we need your house, spreading the good

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Speaker 1: gospel of Brown ambition. Until next week, stay brown, stay ambitious,

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Speaker 1: and stay safe. Bye.