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Speaker 1: Hey, Hey, ba fam, it's Mandy here. I'm so excited.

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Speaker 1: First of all, have y'all been loving the Monday Holaback

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Speaker 1: episodes because I know I have. And also for y'all

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Speaker 1: who look at our catalog and you're like, holy crap,

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Speaker 1: we have over five hundred episodes. We've been in the

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Speaker 1: game for over eight years. Do you know that? So

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Speaker 1: this is such a great way if you just come

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Speaker 1: into our show, you want to also get in touch

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Speaker 1: with what's happening with us right now in our lives,

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Speaker 1: but you also want to take a little time machine

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Speaker 1: back back back to old way back when these Monday

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Speaker 1: episodes are all about throwing back to older shows in

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Speaker 1: the archives and bringing them back up. This week, we

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Speaker 1: have a real juicy one for y'all. We discuss how

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Speaker 1: to solve medical billing nightmares. And given the fact that

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Speaker 1: I just went through a medical nightmare with some family

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Speaker 1: members of mine and have been wading through all of

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Speaker 1: the billing crab the only thing I can say is,

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Speaker 1: don't trust a thing you see on that bill. Call

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Speaker 1: everyone and fight for yourself. Fight for your insured to

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Speaker 1: cover things, even if everyone at the hospital says they

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Speaker 1: have your insurance information. It's all great and dandy. I

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Speaker 1: don't know how, but they just lose it and there's

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Speaker 1: so much that can go wrong. So enjoy this episode

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Speaker 1: and I will be back at the end.

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Speaker 2: Hey hey, hey, we're back. We're back. We're back, and

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Speaker 2: I'm back from vacation slash many not really honeymoon because

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Speaker 2: I went on it with two couples. Have you ever

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Speaker 2: been in a couples trip, manny.

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Speaker 1: A couple's trip? Have I? Technically every summer we go

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Speaker 1: on a camping trip with our friends and we've now

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Speaker 1: become a couple's trip because everyone's boot up and married

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Speaker 1: and stuff. Okay, so yeah, yeah, yeah, I have Okay,

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Speaker 1: not to Jamaica though, Yeah, I mean.

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Speaker 2: It was honestly, it was gonna be like just a

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Speaker 2: girl's trip. Me and my bestie. We typically go away

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Speaker 2: at least once a year with each other. And then

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Speaker 2: we were like, oh, you know, we should bring the

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Speaker 2: guys because we felt it was close to father Well

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Speaker 2: Father's Day passed not too long ago, I guess, and

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Speaker 2: I was just like okay, and then you know, I

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Speaker 2: ended up randomly getting married, So I was like, well,

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Speaker 2: this can be like like a test run for a honeymoon,

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Speaker 2: and then another friend of mine when we've had on

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Speaker 2: the show, Lovey, said oh, I'll come too, and so

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Speaker 2: it just became like six of us. Honestly, it was.

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Speaker 2: It was actually really good. I was nervous because I

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Speaker 2: knew the girls because we all knew each other, so

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Speaker 2: I knew we'd all get along. But it's like bringing

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Speaker 2: your like you know, I don't I hate to call

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Speaker 2: many kids, but you know, you're like, oh my god,

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Speaker 2: are our kids gonna play well together? And they did.

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Speaker 2: One of them was like this was like they were like,

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Speaker 2: this is like adult summer camp. The guys hang with

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Speaker 2: the guys, the girls hang with the girls, and then

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Speaker 2: we hang out to yeah there. So that happened all throughout,

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Speaker 2: like you know, like yeah, it was Honestly.

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Speaker 1: We had exactly how our trips end up to the

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Speaker 1: girls go do their thing and the guys go find something.

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Speaker 2: To break right or like in Jamaica, you know, it

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Speaker 2: was a little different.

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Speaker 1: It was like they don't grow up.

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Speaker 2: They don't at all. I was like wow, and it

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Speaker 2: was just it was just I realized, I don't I've

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Speaker 2: never seen Superman like interact with like I mean, I'm

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Speaker 2: used to seeing him with like his friends, but it

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Speaker 2: was interesting to see him with like kind of friends,

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Speaker 2: you know, yeah, you know, because with his friends, you know,

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Speaker 2: he's I guess he's kind of like the quiet one.

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Speaker 2: But I was like, he's really like the connector. He's

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Speaker 2: like pretty social because I'm really like, you know, I'm

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Speaker 2: talking of one, so typically he's like, you know, okay,

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Speaker 2: Tiffany got it. And he has a twin brother who

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Speaker 2: is also very like outgoing and social, so he's I

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Speaker 2: see now that he's kind of like the deflector, Like,

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Speaker 2: so if you're social, you got it. But the other

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Speaker 2: two guys that were on a trip, they weren't super talkative,

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Speaker 2: so all of a sudden, I'm like, is that him? Oh,

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Speaker 2: they're facilitating all the fun. It was so weird to

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Speaker 2: like see them across the beach and he's like the

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Speaker 2: animated one. I'm like since one, So that part was

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Speaker 2: really like interesting to see. I'm like, you're a storyteller's story.

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Speaker 2: So that was actually like a lot of fun. And

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Speaker 2: I don't know what they put in the Jamaican rum.

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Speaker 2: I don't drink, so me and the other girl love

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Speaker 2: you came with us? She does we don't drink, so

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Speaker 2: but surprisingly no one was, even though you know they

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Speaker 2: were Jamaican running it up. I guess they put like

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Speaker 2: next to no alcohol, but everybody was like super good.

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Speaker 1: Oh you know those all inclusive resorts, they watered that

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Speaker 1: stuff down.

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Speaker 2: Yeah.

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Speaker 1: I was not impressed with the Dominican resort Pina Coladas.

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Speaker 2: I must say, they're like another one. Actually have put

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Speaker 2: three in one of these. Yeah.

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Speaker 1: I mean, I'm not trying to feel sloppy, but I

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Speaker 1: want to feel a little nice on my vacation. Also,

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Speaker 1: did were you guys at an all inclusive resort?

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Speaker 2: For sure? Girl Bob. It was like everything, and I

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Speaker 2: liked it because there was like a little like beach

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Speaker 2: kind of like restaurant where you can get stuff grilled

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Speaker 2: and then they're also the resort itself had two like restaurants,

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Speaker 2: and then of course it had like kind of like

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Speaker 2: the open like buffet cafeteria type thing. So it was nice.

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Speaker 2: It was it was small, which I liked. It wasn't

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Speaker 2: one of these mega resorts where it's like three or

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Speaker 2: four hundred units. It was only like eighty and they

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Speaker 2: were like these treetop villas, so you didn't we didn't

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Speaker 2: have hotels. Everybody had their own individual like Tiki, like villa.

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Speaker 2: It was really cute. Honestly, I liked it a lot.

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Speaker 1: They're nice.

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Speaker 2: And I didn't know this, but like I guess, certain

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Speaker 2: islands you can like pay for VIP concier service where

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Speaker 2: they'll like walk you through customs and everything. And so,

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Speaker 2: I mean I just bought my thing. It's not like

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Speaker 2: we were being fancy. I got it on Expedia. It

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Speaker 2: was it was, you know, a great deal and it

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Speaker 2: came with it, and I was like, why, I don't

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Speaker 2: think I could ever go back to a normal airport.

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Speaker 2: I mean, we walked through every line, and you know,

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Speaker 2: customs lines are so long, especially if you're not a

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Speaker 2: citizen of that country. I mean we walked to the

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Speaker 2: front of every line, and then we waited like in

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Speaker 2: a they called it Mobay cafe, which is cute, and

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Speaker 2: so we waited for like our transportation to take us

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Speaker 2: to the hotel and his cute little cafe where it's

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Speaker 2: more rum punch and food. And it was really really nice,

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Speaker 2: and then we got upgraded to first class first row.

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Speaker 2: On the way back home, I said, it can't get

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Speaker 2: any better than this. Wait.

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Speaker 1: You know that because you've oh, go ahead.

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Speaker 2: No, no, it is because well, I mean I figured

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Speaker 2: it because I was like, how did we get upgraded?

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Speaker 2: So I asked and she's like, oh, you booked it.

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Speaker 2: She's like, who's Tiffany, Because I'm a freaking flyer, and

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Speaker 2: so she was like, you know, like they just happened

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Speaker 2: to have the empty seats, and you know, she's like,

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Speaker 2: we always looked to see obviously to like kind of

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Speaker 2: reward our frequent flyers because I frequently fly with United,

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Speaker 2: no judgment United tubs in Newark where I lived, and

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Speaker 2: so they were like, you know, we upgraded you, and

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Speaker 2: then you know, we saw you had a party with

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Speaker 2: you and I was like, look it. God. So we

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Speaker 2: were the first four seats in the front. Ya. You

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Speaker 2: couldn't tell us nothing. I didn't even know. People got

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Speaker 2: like it was only like a three hour Like I'm like,

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Speaker 2: you get a whole meal. I was like, I'll take

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Speaker 2: the salmon and the chicken. You know. Superman was like,

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Speaker 2: oh my god, babe, like cause we had like you know,

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Speaker 2: VIP service here, you know, upgrades there. He was like, Babe, honestly,

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Speaker 2: your life has nothing but amazing since I married you.

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Speaker 2: I'm like it's been a month.

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Speaker 1: But don't discourage that, don't they.

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Speaker 2: I know, right, I'll take you. He was like, oh,

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Speaker 2: this vacation was awesome. Everything was just so awesome. And

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Speaker 2: I'm like, oh, so, yeah, married life has been really good.

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Speaker 1: I think I prefer. I don't not prefer. It's different.

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Speaker 1: I love traveling with friends. I just feel like you're

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Speaker 1: less likely to get bored. And I mean, I don't know,

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Speaker 1: I feel like other couples can maybe relate to this,

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Speaker 1: but there's this like pressure to go on trips together

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Speaker 1: and like really just like have the most amazing time

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Speaker 1: and to be obsessed with each other. I'll be more

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Speaker 1: every moment of every day. But yeah, it's kind of

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Speaker 1: like regular life, Like you need breaks, yeah, and one

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Speaker 1: of he wants to do one thing, the other one

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Speaker 1: doesn't want to do that thing. And like when you

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Speaker 1: have friends, you can just like break off into groups

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Speaker 1: and then you have like your separate activities and you

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Speaker 1: come back at the end of the day. I like

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Speaker 1: the variety.

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Speaker 2: Yeah, I honestly I did. I thought because you know,

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Speaker 2: you think to yourself, Oh, I mean it's nice to

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Speaker 2: be booed up because it was you know, we had definitely.

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Speaker 2: We all had our boot time, but it was also

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Speaker 2: nice to, like you said, switch it up, like oh,

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Speaker 2: you know, I'm hanging with the girls, and then we

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Speaker 2: hang out the group and then me and Superman by ourselves,

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Speaker 2: you know.

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Speaker 1: Like I love to go to resorts too. But my

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Speaker 1: husband hates the water. He's like he and his brother

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Speaker 1: are like the two Dominicans who do not like the ocean.

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Speaker 1: It is the meanest trick in history. Really, Yeah, they

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Speaker 1: just hate they don't like the water, and I love

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Speaker 1: the water. And Soda is my brother in law, sister,

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Speaker 1: his sister, my brother in law's girlfriend. And I'm like, great,

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Speaker 1: so we can go do beach vacations. You and I'll

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Speaker 1: be budied up. We can go do the water sports

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Speaker 1: and excursions and they can just go do their thing

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Speaker 1: and everyone's happy and there's no like arguing and like,

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Speaker 1: you know, you don't want to come to the the

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Speaker 1: swim with the toothless sharks with me, like you know

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Speaker 1: in our last vacation, which is a real fight you

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Speaker 1: have when you travel.

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Speaker 2: Yes, I mean I was because at first it was like,

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Speaker 2: you know, everybody was like I don't want to do

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Speaker 2: any excursion. I don't want to do anything. And then

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Speaker 2: after two days we were like, we should do an

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Speaker 2: excursion because we're bored. So we did a fun one.

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Speaker 2: It was ATVing, and and then it was like some

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Speaker 2: like natural springs at the end which were freezing but fun.

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Speaker 2: So that was a nice little break. And then it

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Speaker 2: was beach again. But you know cause after a while,

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Speaker 2: I mean, I'm not like every single day go to

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Speaker 2: the beach from sun up to sundown. Although I enjoyed

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Speaker 2: the beach, I'm like, so is there any other activity?

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Speaker 2: So your ATVing was definitely like a lot of fun.

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Speaker 1: I love that. I'm too afraid of the sun. I

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Speaker 1: get made fun of. I have an obsession with SPF.

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Speaker 1: It's not because I'm worried about having darker skin. That

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Speaker 1: is not kind of just say that. It is not

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Speaker 1: the reason I'm not one of those people. But I'm

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Speaker 1: really worried about skin damage and I'm trying to be

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Speaker 1: on my j LO game when I'm fifty. And I

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Speaker 1: thought she when I read this, or I can't even

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Speaker 1: tell you what I when I read this, but she

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Speaker 1: was like, my secret is spray tanning. Not that I

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Speaker 1: spray tan but spray tanning and no sun and she's

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Speaker 1: super golden all the time. And I was like, I

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Speaker 1: must learn her ways and I must not have terrible skin,

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Speaker 1: but also low key. My mother has had several melanoma

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Speaker 1: removed from her from her body, and so be on that.

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Speaker 1: You know what I found out. You can purchase sunscreen

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Speaker 1: with your FSA account. This is major, really, yes, yes,

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Speaker 1: When I discovered that, I was like, I need a

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Speaker 1: bigger bag.

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Speaker 2: So tell people what was FSA?

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Speaker 1: People like this is my favorite? My absolutely, I think

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Speaker 1: I did a brown boost for this before, which is

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Speaker 1: my favorite thing in the planet. If you have a

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Speaker 1: healthcare plan where you can get a flex savings account. Basically,

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Speaker 1: a flexible savings account is something that accompanies your health

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Speaker 1: plan and you put in money that you earn before

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Speaker 1: taxes are taken out into a little fund and then

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Speaker 1: they give you a debit card and you can use

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Speaker 1: ther FSA card anytime you pick up prescriptions, you pay

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Speaker 1: for your copays, you pick up approved over the counter medicines,

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Speaker 1: and even stuff like I mentioned sunscreen Contact solution is included.

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Speaker 1: Your prescription glasses are included. So I always get my

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Speaker 1: glasses from Warby Parker, which is which is online right,

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Speaker 1: So it's not like it's not like I go to

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Speaker 1: a doctor and I can swipe my FSA card and

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Speaker 1: I for some reason when I tried using my Sometimes

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Speaker 1: f SA cards can be annoying. They don't always work

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Speaker 1: on when you try and shop with them online. I

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Speaker 1: think because what they're not really getting the right code

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Speaker 1: or whatever is if they would if you were just

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Speaker 1: shopping at a Dwayne Read or Write Aid or something. So,

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Speaker 1: but it's also easy. I just keep my receipt and

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Speaker 1: then I submit a claim and I always get refunded

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Speaker 1: and it's no big deal. So that is, as I say,

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Speaker 1: alert for the day.

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Speaker 2: It smitty ady, that's good. I never thought about it that.

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Speaker 2: I'm like, I feel so special now because you know,

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Speaker 2: now that I'm married. I'm like, oh, like it is shirt.

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Speaker 2: I was like, let me see, I fel all keep

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Speaker 2: my insurance card is because it's a good insurance too.

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Speaker 2: I'm like, oh, I'll take that. Oh you can run

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Speaker 2: that test. No worries here, Yeah no, but you know

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Speaker 2: what I learned today, Like, well not today, but I

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Speaker 2: had to go for like blood work or whatever, like

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Speaker 2: before my insurance car came in and I wasn't even

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Speaker 2: sure if I was fully insured yet. And the woman

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Speaker 2: who was taking my blood work she was telling me

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Speaker 2: because she was like, I asked her how much is

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Speaker 2: the how much is the lab test? And she's like, oh,

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Speaker 2: I don't know. You know, they'll send you a bill.

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Speaker 2: I was like, oh. She was like, why are you

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Speaker 2: not insured? I was like, honestly, I don't even know

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Speaker 2: just yet. You know, I applied, but you know, I

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Speaker 2: don't know if it's kicked in yet. And she was like, well,

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Speaker 2: if you tell them you don't have insurance, they can

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Speaker 2: lower your bill up to seventy percent. I was like, wait,

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Speaker 2: what so I don't know if that's like lab tests

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Speaker 2: across the board, but for sure. She was just like,

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Speaker 2: you know, let them know and then negotiate down seventy

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Speaker 2: percent then you know, and she's she said, they're not

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Speaker 2: going to share that with you, but you can you

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Speaker 2: can say that, and I was just like, okay. She

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Speaker 2: actually gave me a paper where I guess they you know,

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Speaker 2: like they coached their clients and how to do so,

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Speaker 2: and I thought, wow, this is great. So I'm gonna

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Speaker 2: you know, I'm pretty sure but by the time I

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Speaker 2: get the bill, I'll have my insurance card, so I'll

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Speaker 2: be able to, like, you know, just be like, hey,

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Speaker 2: you know, I do have insurance. But I just thought

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Speaker 2: that was such a great tip to pass along about

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Speaker 2: negotiating down, because I've definitely negotiated down other hospital bills

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Speaker 2: before when I really did not have insurance altogether significantly,

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Speaker 2: I think over fifty percent. I owed at one point,

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Speaker 2: maybe like fifteen hundred dollars because I tried to die

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Speaker 2: my own hair and not knowing I was allergic to

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Speaker 2: a black hair dye, and so my face swelled up

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Speaker 2: like a balloon and I went to the emergency room

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Speaker 2: and you know, after them giving me a bend a

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Speaker 2: drill basically, and that was it. A ben a drill

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Speaker 2: and sit down. It was twelve it was twelve hundred dollars.

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Speaker 2: I nearly wept, like well, she wrote me a prescription.

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Speaker 2: I just knew it was like some special elixir from

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Speaker 2: the gods. And when I went to the pharmacy and

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Speaker 2: I was like, I have a prescription for my for

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Speaker 2: my death to my my near death experience, and she

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Speaker 2: was like, oh, go to ourset and I'm like, no, no,

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Speaker 2: I have this prescription. She's like, yeah, it's beneddro go

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Speaker 2: to all seven. I said, Ben Drill, maybe I was Leavid.

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Speaker 2: I'm like that lady could have told me. She could

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Speaker 2: have just said go home and get some beddro I

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Speaker 2: didn't know that's what they gave me the hospital. That's

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Speaker 2: so oh my god. And so when I got my

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Speaker 2: twelve hundred dollars bill, I think I talked them down

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Speaker 2: to like six or seven hundred. Yeah, around six hundred.

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Speaker 2: So I was able to talk them down.

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Speaker 1: Yeah, even if you have insurance, like it's what you're

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Speaker 1: saying that your insurance wouldn't cover the lab test. So

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Speaker 1: even though you have it and you have to pay

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Speaker 1: out of pocket.

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Speaker 2: Well I have the thing, is I So when we

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Speaker 2: got married. As soon as we got married, he went

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Speaker 2: to his HR. I was like, hey, I have a wife.

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Speaker 2: I want to put her on my insurance. And so

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Speaker 2: that was the twenty third of June, and so I

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Speaker 2: got my insurance card in mail, but it was like

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Speaker 2: I realized it was my dental insurance card. But still

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Speaker 2: his insurance is altogether. So there was just a lot

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Speaker 2: of confusion today when I was calling, like, am I insurance?

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Speaker 2: I have to go to the doctor today? You know

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Speaker 2: I have to get my lap test, and so they

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Speaker 2: were just like, h, we don't see you in the system.

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Speaker 2: So basically I know by the time I get cause

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Speaker 2: they backdated to when you first first submitted your paperwork.

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Speaker 2: So I'm pretty sure by the time I get my bill,

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Speaker 2: I should be fine. But the fact that she just

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Speaker 2: gave me that little tidbit of like, hey, you can

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Speaker 2: talk them down seventy percent if it turns out your

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Speaker 2: insurance hasn't kicked in yet. So I just kept it

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Speaker 2: in my back pocket of oh something to share with

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Speaker 2: the BA listeners. Hey, BA fan, we're gonna take a

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Speaker 2: quick break and we'll be right back.

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Speaker 1: Yeah. I think labs like anything that's really that's like

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Speaker 1: a standard thing, like a lab result, like an MRI,

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Speaker 1: a PAP smear, a mammogram. They always say that X rays.

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Speaker 1: Those are the kinds of procedures that you can really negotiate,

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Speaker 1: not just negotiate like after it's been done, but shop around.

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Speaker 1: People don't really do this, but you can shop around

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Speaker 1: in your area and call places or there's there's this

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Speaker 1: one website that I met a woman named Jennifer I

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Speaker 1: believe was her name, and she started a website called

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Speaker 1: clearhealthcost dot com and I'm gonna make sure I'm gonna

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Speaker 1: check out the name of that. But she actually was

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Speaker 1: a She was a journalist covering healthcare, and then she

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Speaker 1: did a fellowship I think the New York Times, and

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Speaker 1: part of her fellowship was creating this website because she

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Speaker 1: wanted to bring more clarity for people looking to shop

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Speaker 1: around for their healthcare, because a lot of people don't

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Speaker 1: realize that if they just go to a different zip

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Speaker 1: code or just go two blocks down the road, they

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Speaker 1: could save. And like the range of prices are like insane,

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Speaker 1: like this place will charge you know, one hundred bucks

359
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Speaker 1: from MRI. That place will charge two thousand dollars from MRI.

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Speaker 1: It's all over the map and there's no rhyme or

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Speaker 1: reason to it. Like that's what's frustrating about it. But

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Speaker 1: you absolutely can and should shop around if you know

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Speaker 1: you have time. Obviously, if it's non emergent and you

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Speaker 1: don't have you have time to shop around, you should

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Speaker 1: do that. Actually, I'm excited, because my excited is like

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Speaker 1: exaggerated word, but you know, I'm looking forward to trying

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Speaker 1: out my new healthcare because it comes with it comes

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Speaker 1: with a service called Compass Okay, and Compass is like

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Speaker 1: it's a company where whenever I need to go to

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Speaker 1: the doctor, I call them and they help me find

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Speaker 1: the most affordable place to go, Like they do the

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Speaker 1: work for me and my My main healthcare is United

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Speaker 1: health Care. But it's part of this new effort I

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Speaker 1: think among health care companies to make people consumers care

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Speaker 1: more about where they get their health care. Because I

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Speaker 1: don't know about you, but for most of my life,

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Speaker 1: I've had employer provided or parent parental provided health care,

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Speaker 1: and all I think about is, I'm you know, it's

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Speaker 1: going to be a thirty five dollars copay, that's going

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Speaker 1: to be ten dollars and I don't really care. I

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Speaker 1: just go wherever is open, but not really not really

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Speaker 1: thinking that the actual health care provider is charging the

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Speaker 1: insurance company a bajillion dollars for whatever I've gotten. So

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Speaker 1: by encouraging people to shop around to get the most

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Speaker 1: affordable care, insurance companies are saving money and we're saving

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Speaker 1: money too.

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Speaker 2: Yeah. Insurance is like this is so crazy. You could

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Speaker 2: tell how old you are by your conversations. Now I'm like, yes,

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Speaker 2: it's excited about get insurance.

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Speaker 1: Let's talk about deductibles. Oh so I need to do

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Speaker 1: one last health tip. Sorry, because I was going to

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Speaker 1: do this as a boost, but anyway, we're talking about it.

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Speaker 1: So now someone had told me that, you know how

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Speaker 1: if you go the doctor, you get like a bill

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Speaker 1: in the mail, and sometimes it says this is not

396
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Speaker 1: a bill, but then sometimes it's just a bill, and

397
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Speaker 1: you're like, what is this for? My insurance could have

398
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Speaker 1: kicked in. I've been in that position before where I've

399
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Speaker 1: gone for like a routine checkup and I come home

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Speaker 1: and I even sometimes when after I paid my copay

401
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Speaker 1: and I'll get an additional bill and I'll just pay

402
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Speaker 1: without thinking about it, like I'll just call them and

403
00:18:35,200 --> 00:18:39,760
Speaker 1: pay it off. Someone told me that sometimes billing offices

404
00:18:39,880 --> 00:18:42,320
Speaker 1: just send a bill to the patient and the insurance

405
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Speaker 1: company and just wait to see who pays them first.

406
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Speaker 1: I was like, say, what is this illegal? Like what?

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Speaker 1: So that just raised a little red flag in my

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Speaker 1: head because I think even if those bills say, you know,

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Speaker 1: this is not a bill, it's explanation of benefits or whatever,

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Speaker 1: it still feels like a bill. And I wonder how

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Speaker 1: many people are just paying it because they think they

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Speaker 1: owe it.

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Speaker 2: You've been surprised hospitals. I mean, these places make a

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Speaker 2: lot of mistakes. I don't figure. So when Superman had

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Speaker 2: his aneurism surgery, they sent him, I want to say,

416
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Speaker 2: like eighteen thousand dollars and he was like, why did

417
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Speaker 2: I get an eighteen thousand dollars check? If not more

418
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Speaker 2: than that, it was something ridiculous like and so he

419
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Speaker 2: called the insurance company. He called the hospital and she said, oh,

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Speaker 2: it's likely obviously for us, for your like his well,

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Speaker 2: his total surgery was nearly one hundred thousand, and I

422
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Speaker 2: don't know if that was like their last payment, the

423
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Speaker 2: insurance company, but they send it to him, and you know,

424
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Speaker 2: and I was like, oh, you know, you know, he

425
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Speaker 2: was like what do I do. I'm like, that's a

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Speaker 2: lot of money. Someone's got to come for you. But

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Speaker 2: it turns out and I kind of feel bad because

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Speaker 2: I was like, you have to return it. That man

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Speaker 2: saved your life. But it turns out the vast majority

430
00:19:51,040 --> 00:19:53,120
Speaker 2: of your patients don't, and they don't go after them.

431
00:19:53,600 --> 00:19:57,040
Speaker 2: Because when he when he you know, when he uh

432
00:19:57,080 --> 00:19:59,199
Speaker 2: because the check was in his name, so he had

433
00:19:59,200 --> 00:20:01,080
Speaker 2: to deposit in his account and then write a check

434
00:20:01,480 --> 00:20:03,639
Speaker 2: to them. And she was like wow, you know, like

435
00:20:03,800 --> 00:20:05,320
Speaker 2: she was like, most people don't give us the money

436
00:20:05,320 --> 00:20:07,679
Speaker 2: and that's just it's just a loss. And I was like,

437
00:20:07,720 --> 00:20:10,600
Speaker 2: what why she told us that earlier? What's out of

438
00:20:10,600 --> 00:20:13,240
Speaker 2: my house? But I mean, it's all good, Kara, But

439
00:20:13,280 --> 00:20:16,120
Speaker 2: I couldn't believe. Can you imagine? She's like, some people

440
00:20:16,119 --> 00:20:19,240
Speaker 2: get sixty thousand dollars fifty thousand and they just keep

441
00:20:19,280 --> 00:20:21,520
Speaker 2: it and we won't even know. She's like, you just

442
00:20:21,520 --> 00:20:23,680
Speaker 2: happen to call. We won't even know that insurance company

443
00:20:23,680 --> 00:20:26,359
Speaker 2: sends them a check. I'm like, what kind of shenanigans?

444
00:20:27,040 --> 00:20:27,600
Speaker 2: Can you imagine?

445
00:20:27,720 --> 00:20:30,080
Speaker 1: People who can do that and live? Like sleep at night?

446
00:20:30,600 --> 00:20:32,639
Speaker 1: I know that it's a loud conscience.

447
00:20:33,080 --> 00:20:35,000
Speaker 2: That's what I told him. I was like, honestly, like literally,

448
00:20:35,000 --> 00:20:38,400
Speaker 2: this man like the it wasn't about when you're if

449
00:20:38,400 --> 00:20:41,080
Speaker 2: you're annyurism was gonna burst. It was about when and

450
00:20:41,119 --> 00:20:43,919
Speaker 2: within anurism, you have about a fifteen percent chance of

451
00:20:43,960 --> 00:20:45,760
Speaker 2: making it, and then even after that, you have a

452
00:20:45,760 --> 00:20:48,840
Speaker 2: fifteen percent chance of having no damage, no brain damage,

453
00:20:48,880 --> 00:20:51,760
Speaker 2: and the fact that you are alive and kicking. And

454
00:20:52,040 --> 00:20:53,760
Speaker 2: because he was so young, a doctor was like, if

455
00:20:53,800 --> 00:20:56,640
Speaker 2: you were eighty we'd leave it, but you're thirty four,

456
00:20:56,800 --> 00:20:59,200
Speaker 2: it's going to burst and it's likely going to kill you. Helle.

457
00:20:59,359 --> 00:21:01,720
Speaker 1: If you're eighty, it's like, whatever, you lived your life,

458
00:21:01,760 --> 00:21:05,440
Speaker 1: you had a shot. We're in a line. When does

459
00:21:05,480 --> 00:21:08,200
Speaker 1: it become your worth saving versus.

460
00:21:08,600 --> 00:21:11,879
Speaker 2: Yeah, to save. If we're going to open up your

461
00:21:11,880 --> 00:21:13,600
Speaker 2: head at eighty, you were likely you're not going to

462
00:21:13,640 --> 00:21:15,400
Speaker 2: be able to wake you back up. But like at

463
00:21:15,400 --> 00:21:17,600
Speaker 2: thirty something, they were like, all right, so dude, we

464
00:21:17,640 --> 00:21:19,280
Speaker 2: want to save you. So I was like, you know,

465
00:21:19,480 --> 00:21:21,680
Speaker 2: the fact is you're living, so we're not broke.

466
00:21:21,520 --> 00:21:24,000
Speaker 1: So you're able bodied exactly for you.

467
00:21:24,359 --> 00:21:25,960
Speaker 2: So I'm glad he even turned the money. But still

468
00:21:26,000 --> 00:21:27,880
Speaker 2: it just made me think, like how many people got

469
00:21:27,880 --> 00:21:29,120
Speaker 2: these huge checks and kept it.

470
00:21:29,920 --> 00:21:32,160
Speaker 1: I lied about having only one last thing to say though,

471
00:21:32,200 --> 00:21:34,040
Speaker 1: because I meant to say this last time when you

472
00:21:34,080 --> 00:21:36,760
Speaker 1: brought up health care and getting on Superman's health care plan.

473
00:21:36,840 --> 00:21:39,680
Speaker 1: But I'm the cautionary tale because we just twiddled our

474
00:21:39,680 --> 00:21:41,920
Speaker 1: little thumbs. After we got married. I was supposed to

475
00:21:41,960 --> 00:21:45,560
Speaker 1: go on to his health care plan because it had

476
00:21:45,560 --> 00:21:48,280
Speaker 1: better benefits than what I was getting, and we just

477
00:21:48,280 --> 00:21:50,439
Speaker 1: like went on the honeymoon and came back and all

478
00:21:50,480 --> 00:21:52,679
Speaker 1: this work stuff started happening, and three months later we

479
00:21:52,680 --> 00:21:55,080
Speaker 1: were like, oh, yeah, let's do that. There's a thirty

480
00:21:55,160 --> 00:21:57,879
Speaker 1: day period when you in which you can add your

481
00:21:57,920 --> 00:22:01,600
Speaker 1: spouse to your insurance policy, and if you miss it

482
00:22:01,640 --> 00:22:05,760
Speaker 1: sucks for you, like forever, not forever, just until the

483
00:22:05,800 --> 00:22:09,159
Speaker 1: next enrollment period. So they let you. They give you

484
00:22:09,200 --> 00:22:11,640
Speaker 1: a free pass if you have like a qualifying life

485
00:22:11,640 --> 00:22:13,240
Speaker 1: event like you have a kid or you get married

486
00:22:13,320 --> 00:22:16,159
Speaker 1: or whatever, but they don't. They only give you a

487
00:22:16,200 --> 00:22:19,640
Speaker 1: certain window of time to actually make it happen. Okay,

488
00:22:20,800 --> 00:22:22,480
Speaker 1: I mean luckily I was in a position where I

489
00:22:22,520 --> 00:22:25,560
Speaker 1: have back up. Yeah, I get my own insurance anyway, So.

490
00:22:26,080 --> 00:22:28,919
Speaker 2: Girl, the next day we were like, I do Hello.

491
00:22:30,280 --> 00:22:32,199
Speaker 1: Maybe that's why I was so relaxed about it, you know,

492
00:22:32,400 --> 00:22:33,440
Speaker 1: I'm like I'm good.

493
00:22:35,240 --> 00:22:38,280
Speaker 2: Hello, Hello. Like literally, he's like, I only have the

494
00:22:38,320 --> 00:22:43,040
Speaker 2: temporary license, but can I fact that over? So I'm gonna, oh,

495
00:22:43,080 --> 00:22:44,080
Speaker 2: you gotta keep your last name?

496
00:22:45,080 --> 00:22:47,960
Speaker 1: Oh god, did my mother send you? No, I'm just

497
00:22:48,080 --> 00:22:49,320
Speaker 1: our LORI are you there.

498
00:22:51,920 --> 00:22:54,120
Speaker 2: I've been really like honestly, like, it's so weird how

499
00:22:54,200 --> 00:22:56,720
Speaker 2: Superman does not care at all. I'm like, I'm still

500
00:22:56,880 --> 00:23:00,520
Speaker 2: Tiffany A Leech and I'm I'm Tiff Smith.

501
00:23:00,600 --> 00:23:02,960
Speaker 1: That's wed a racial profile.

502
00:23:03,320 --> 00:23:05,920
Speaker 2: Yeah, and honestly, I don't want to go Timny Smith.

503
00:23:06,160 --> 00:23:08,120
Speaker 2: If I might do a Lee Chase Smith, but honestly,

504
00:23:08,280 --> 00:23:10,160
Speaker 2: it's so weird how laid back he is. He's like, yeah,

505
00:23:10,160 --> 00:23:11,040
Speaker 2: I don't you know whatever.

506
00:23:12,359 --> 00:23:14,080
Speaker 1: So'say, they don't don't really care.

507
00:23:14,960 --> 00:23:17,679
Speaker 2: Yeah, So I'm thinking Elie Chase Smith. I don't know.

508
00:23:17,880 --> 00:23:19,160
Speaker 1: That definitely sounds good.

509
00:23:19,440 --> 00:23:20,800
Speaker 2: Yeah, that's what I was saying. I kind of like

510
00:23:21,080 --> 00:23:23,240
Speaker 2: because they're both kind of shortish names, and then I

511
00:23:23,320 --> 00:23:24,440
Speaker 2: kind of feel like, if you have a kid, I

512
00:23:24,520 --> 00:23:25,679
Speaker 2: kind of don't want to be like the only one

513
00:23:25,760 --> 00:23:27,720
Speaker 2: left out, Like, oh, well, you know, Elie.

514
00:23:27,520 --> 00:23:30,040
Speaker 1: Chase Smith sounds like you're a scholar or something.

515
00:23:30,080 --> 00:23:34,320
Speaker 2: Right, Alie Chase Smith Smith. So I might do that,

516
00:23:34,320 --> 00:23:36,360
Speaker 2: but I don't even know what all that entails. I'm like, oh,

517
00:23:36,359 --> 00:23:37,160
Speaker 2: what does that entail?

518
00:23:37,359 --> 00:23:38,680
Speaker 1: Probably a big pain in your neck.

519
00:23:39,080 --> 00:23:41,159
Speaker 2: Probably. That's one of reasons why I've been like, man, I'll.

520
00:23:41,000 --> 00:23:42,480
Speaker 1: Get to it when I get you have health insurance,

521
00:23:42,480 --> 00:23:43,560
Speaker 1: you can get that checked out.

522
00:23:45,880 --> 00:24:00,960
Speaker 2: Exactly. My sister's like, you're making funt of my husband,

523
00:24:00,960 --> 00:24:03,239
Speaker 2: because that's how he says it exactly.

524
00:24:03,440 --> 00:24:04,720
Speaker 1: Oh is that who inspired that?

525
00:24:05,119 --> 00:24:08,760
Speaker 2: Yes, he's very, very very Nigerian and so he says that.

526
00:24:09,280 --> 00:24:11,480
Speaker 2: So sidebar, are you gonna go see Girl have you seen?

527
00:24:11,520 --> 00:24:12,920
Speaker 2: You haven't seen Girl Trip?

528
00:24:13,160 --> 00:24:16,120
Speaker 1: I tried. The damn Jerseyans would not let me go.

529
00:24:17,119 --> 00:24:19,120
Speaker 1: You know, we have this seat. We have a theater

530
00:24:19,240 --> 00:24:21,159
Speaker 1: really close to us, but it has that reserve seating

531
00:24:21,200 --> 00:24:22,960
Speaker 1: thing where you have you buy your tickets. Not a

532
00:24:23,040 --> 00:24:26,080
Speaker 1: bad yeah, that just means it's easier for everyone to

533
00:24:26,119 --> 00:24:27,560
Speaker 1: snap up all the seats right away.

534
00:24:28,080 --> 00:24:30,280
Speaker 2: And is it the eating one, like the one where

535
00:24:30,280 --> 00:24:31,480
Speaker 2: you can eat there that one.

536
00:24:31,680 --> 00:24:33,080
Speaker 1: No, it's not like the one where they serve you.

537
00:24:33,119 --> 00:24:36,359
Speaker 1: It's just like a it is like the nice recliners though. Okay,

538
00:24:36,520 --> 00:24:38,680
Speaker 1: but it's just a normal theater. But it's so annoying

539
00:24:38,720 --> 00:24:40,600
Speaker 1: because it's always we have to usually wait two three

540
00:24:40,640 --> 00:24:42,199
Speaker 1: weeks before a new movie comes out if it's like

541
00:24:42,240 --> 00:24:44,800
Speaker 1: really popular to go see it. So I was not

542
00:24:44,840 --> 00:24:46,359
Speaker 1: able to see it, but I saw it did. It

543
00:24:46,400 --> 00:24:50,640
Speaker 1: was a number two movie in the country Brown Girls, Yes,

544
00:24:50,880 --> 00:24:53,840
Speaker 1: and and it be you know they had that people

545
00:24:53,840 --> 00:24:56,280
Speaker 1: were calling at the chocolate and vanilla, you know, like

546
00:24:56,320 --> 00:24:58,359
Speaker 1: the there was like a vanilla Girls Trip it was

547
00:24:58,400 --> 00:25:01,440
Speaker 1: with It came out a couple weeks had Scarlett Johansson

548
00:25:01,640 --> 00:25:05,720
Speaker 1: and like, yeah, Kate McKinnon and Night Rough Night, the

549
00:25:05,760 --> 00:25:08,439
Speaker 1: Roughnee at rough Night, and they were saying like and

550
00:25:08,480 --> 00:25:10,040
Speaker 1: I feel like people were like waiting to see which

551
00:25:10,040 --> 00:25:11,879
Speaker 1: one would do better. I'm pretty sure that one bombed.

552
00:25:12,119 --> 00:25:14,280
Speaker 2: Oh no, no, yeah it did. It did not well

553
00:25:14,320 --> 00:25:18,560
Speaker 2: at all. In comparison, this one has done tremendously well.

554
00:25:18,600 --> 00:25:20,320
Speaker 1: As soon as I saw Queen Latifa, I was like, yep,

555
00:25:20,400 --> 00:25:22,679
Speaker 1: going I do. I will see anything Queen latifas in

556
00:25:22,760 --> 00:25:25,879
Speaker 1: even all the barbershops, even though they are terrible.

557
00:25:25,760 --> 00:25:27,400
Speaker 2: Kind of like a new girl in there. Her name

558
00:25:27,440 --> 00:25:29,960
Speaker 2: was Tiffany hersh or Tiffany with the H. But I've

559
00:25:29,960 --> 00:25:32,040
Speaker 2: been like reading like interviews from her and she did

560
00:25:32,080 --> 00:25:34,439
Speaker 2: Jimmy Kimmel. They're they're like, she's the c.

561
00:25:35,800 --> 00:25:36,560
Speaker 1: The funny one.

562
00:25:36,920 --> 00:25:40,480
Speaker 2: Yes, They're like she she yes, And I'm like, I'm already,

563
00:25:40,480 --> 00:25:42,439
Speaker 2: I'm here for her already. And because she told this

564
00:25:42,520 --> 00:25:45,320
Speaker 2: really funny story about her Jada Pinkett Smith and Will

565
00:25:45,359 --> 00:25:49,000
Speaker 2: Smith and how they went she because I guess they

566
00:25:49,000 --> 00:25:51,560
Speaker 2: were taking a New Orleans obviously, because the Girl's Trip

567
00:25:51,560 --> 00:25:55,119
Speaker 2: takes place at Essence Fest and like she was saying

568
00:25:55,160 --> 00:25:58,239
Speaker 2: how Jada was asking what are you doing tomorrow? She's like, Oh,

569
00:25:58,280 --> 00:26:00,760
Speaker 2: I'm going on a on a twur you know, I

570
00:26:00,760 --> 00:26:03,000
Speaker 2: got a group on and Jada's like, oh, I want

571
00:26:03,000 --> 00:26:05,840
Speaker 2: to go and she was like wait. She was still

572
00:26:05,840 --> 00:26:09,160
Speaker 2: a starstruck, like you want to go on the group? Why?

573
00:26:09,320 --> 00:26:11,520
Speaker 2: She said, me and Will? So she said, they get there,

574
00:26:11,560 --> 00:26:12,959
Speaker 2: all these people are there and they were like, what

575
00:26:13,000 --> 00:26:16,280
Speaker 2: the hell is this? And she was like, well, like

576
00:26:16,400 --> 00:26:17,879
Speaker 2: you know, like it's a trip. She said, why are

577
00:26:17,880 --> 00:26:19,880
Speaker 2: all these people here? And she was like girls a group?

578
00:26:19,880 --> 00:26:21,560
Speaker 2: Par She was like, well, what did you have a group?

579
00:26:22,080 --> 00:26:25,800
Speaker 2: She said, Jada thought group. I meant that like I

580
00:26:25,800 --> 00:26:27,919
Speaker 2: don't know that, like you you purchased the boat or

581
00:26:27,920 --> 00:26:30,240
Speaker 2: something like that, or you rend the boat. Yo, I

582
00:26:30,480 --> 00:26:33,080
Speaker 2: was wrongly. She was like, Jada and Will were like

583
00:26:33,080 --> 00:26:35,800
Speaker 2: all these people what the hell? And she was like, Jada,

584
00:26:35,840 --> 00:26:37,400
Speaker 2: I picked you up a in a twenty dollars rental car.

585
00:26:37,440 --> 00:26:40,919
Speaker 2: What the hell do you think I was? And she

586
00:26:41,080 --> 00:26:43,000
Speaker 2: was like, oh my god, the windows are not tinted.

587
00:26:43,000 --> 00:26:44,400
Speaker 2: I don't know if I feel cruftble. She said, Jada,

588
00:26:44,400 --> 00:26:48,120
Speaker 2: you forgot you from Baltimore, she said, But they ended

589
00:26:48,200 --> 00:26:50,160
Speaker 2: up having such a good time and she said. Will

590
00:26:50,240 --> 00:26:51,600
Speaker 2: was like, Yo, this was so much fun. I think

591
00:26:51,600 --> 00:26:52,840
Speaker 2: I'm gonna buy one of these. And she was like,

592
00:26:52,840 --> 00:26:54,320
Speaker 2: oh a boat. He said, no, a swamp.

593
00:26:54,760 --> 00:26:59,240
Speaker 1: And she was like, wow, why would you even think

594
00:26:59,240 --> 00:27:00,760
Speaker 1: that they knew what the group on is? I would

595
00:27:00,800 --> 00:27:03,560
Speaker 1: have been like, and here's the Urban Dictionary. Here's you know,

596
00:27:03,600 --> 00:27:06,679
Speaker 1: Webster's definition of a group on. I know, use my

597
00:27:06,760 --> 00:27:08,400
Speaker 1: login if.

598
00:27:08,320 --> 00:27:10,720
Speaker 2: You get a chance. Everybody should like, like, like, you know,

599
00:27:10,800 --> 00:27:13,439
Speaker 2: I guess, go to YouTube and just type in like uh,

600
00:27:13,520 --> 00:27:15,600
Speaker 2: Jimmy Kimmel Tiffany.

601
00:27:17,400 --> 00:27:17,800
Speaker 1: Hash.

602
00:27:18,040 --> 00:27:19,960
Speaker 2: Because it's such a funny story because first of all,

603
00:27:19,960 --> 00:27:23,640
Speaker 2: she starts off with the the epicenter of all things

604
00:27:24,040 --> 00:27:26,800
Speaker 2: brown girl, Like how you start every story? What happened was?

605
00:27:27,080 --> 00:27:30,120
Speaker 2: I said, No, she did it, Jimmy Kimmel. She said,

606
00:27:30,160 --> 00:27:32,679
Speaker 2: what happened was? And I was rolling. I said, I

607
00:27:32,720 --> 00:27:34,240
Speaker 2: love you already.

608
00:27:34,720 --> 00:27:37,360
Speaker 1: I love them tools, isn't it Jada Pink and Queen Latifa.

609
00:27:37,480 --> 00:27:40,800
Speaker 2: There's a fourth a Regita King.

610
00:27:41,600 --> 00:27:43,080
Speaker 1: Okay, I need to see it. I have got to

611
00:27:43,119 --> 00:27:43,520
Speaker 1: see it.

612
00:27:43,880 --> 00:27:45,680
Speaker 2: Yeah, I'm gonna figure out, like I'm like, do I

613
00:27:45,720 --> 00:27:47,280
Speaker 2: need to see it at ten am on a Wednesday.

614
00:27:47,640 --> 00:27:50,200
Speaker 1: I'm actually going on a girl's trip next weekend to Montreal.

615
00:27:51,040 --> 00:27:51,800
Speaker 2: Have you been before?

616
00:27:53,800 --> 00:27:56,119
Speaker 1: H No, Yes, I have been. I don't speak French,

617
00:27:56,160 --> 00:27:57,959
Speaker 1: but I have been to Montreal. I went for like

618
00:27:57,960 --> 00:28:00,560
Speaker 1: a I went for a weekend like five years ago

619
00:28:00,600 --> 00:28:04,560
Speaker 1: for a music festival. But this is a girls trip. Okay,

620
00:28:04,960 --> 00:28:05,800
Speaker 1: I'm excited.

621
00:28:07,080 --> 00:28:09,560
Speaker 2: I'm not a big fan. Oh I'm not gonna lie.

622
00:28:09,560 --> 00:28:11,080
Speaker 2: I'm not a big fan of Montreal.

623
00:28:11,560 --> 00:28:13,880
Speaker 1: What what effort did Montreal do to you?

624
00:28:14,520 --> 00:28:15,840
Speaker 2: I mean like it was alright. You know how you

625
00:28:15,840 --> 00:28:20,000
Speaker 2: go places you're like you know them. Eh, that's hard.

626
00:28:20,000 --> 00:28:20,760
Speaker 2: I thought about it.

627
00:28:20,960 --> 00:28:23,120
Speaker 1: I remember having a great time. I remember the weather

628
00:28:23,200 --> 00:28:26,640
Speaker 1: being spectacular. I rented a bike and I biked all

629
00:28:26,680 --> 00:28:29,640
Speaker 1: over that damn city. I even stole a bike because

630
00:28:29,680 --> 00:28:31,560
Speaker 1: it was before City Bike came to New York City.

631
00:28:31,600 --> 00:28:33,760
Speaker 1: I didn't know how it worked. And what happened was

632
00:28:34,400 --> 00:28:36,320
Speaker 1: I thought that you could take it to your hotel

633
00:28:36,359 --> 00:28:39,920
Speaker 1: overnight and just leave it there. I was like, surely

634
00:28:40,200 --> 00:28:42,480
Speaker 1: there's not a station near me, So that does Bess

635
00:28:42,560 --> 00:28:44,280
Speaker 1: mean that I could just park it here at my hotel?

636
00:28:44,320 --> 00:28:47,000
Speaker 1: I don't know. Like five years later, it sounds so stupid,

637
00:28:47,360 --> 00:28:50,360
Speaker 1: but sure enough, I couldn't find a doc to leave

638
00:28:50,400 --> 00:28:51,960
Speaker 1: my bike, so I just brought it to the hotel,

639
00:28:52,400 --> 00:28:53,880
Speaker 1: left it over night, and return it the next day.

640
00:28:53,880 --> 00:28:55,680
Speaker 1: But it had been like ten hours and I was

641
00:28:55,760 --> 00:28:59,760
Speaker 1: charged at seven hundred dollars for stealing a bike. But

642
00:29:00,200 --> 00:29:02,200
Speaker 1: what's funny is I called I got back to New

643
00:29:02,240 --> 00:29:04,680
Speaker 1: York and I called my credit card company, and at

644
00:29:04,680 --> 00:29:06,800
Speaker 1: the time, I still didn't know what I had done wrong.

645
00:29:07,160 --> 00:29:10,720
Speaker 1: So I was so outraged. I'm like, this is thievery.

646
00:29:10,920 --> 00:29:13,320
Speaker 1: They tricked me. There must have been a skimmer on

647
00:29:13,440 --> 00:29:17,840
Speaker 1: the on the bike share, you know, the bike share

648
00:29:17,880 --> 00:29:20,040
Speaker 1: thing like re rent the bike. And I called my

649
00:29:20,080 --> 00:29:21,680
Speaker 1: I think at the time it was Bank of America,

650
00:29:21,720 --> 00:29:23,720
Speaker 1: and bless their hearts, they were like, oh right away,

651
00:29:23,760 --> 00:29:25,600
Speaker 1: missus must be fraudulent because no one knew what a

652
00:29:26,120 --> 00:29:28,920
Speaker 1: bike share was, and it was also a foreign transaction,

653
00:29:29,120 --> 00:29:32,400
Speaker 1: so their fraud department was just like an that's gone.

654
00:29:32,520 --> 00:29:35,600
Speaker 1: So technically I like I was the fraud.

655
00:29:36,320 --> 00:29:38,080
Speaker 2: Yeah, you're like, yes, my bad.

656
00:29:38,320 --> 00:29:40,840
Speaker 1: I mean I returned it. No, I had a great time.

657
00:29:40,920 --> 00:29:43,400
Speaker 1: I remember the food being good. But anyway, this was

658
00:29:43,440 --> 00:29:48,400
Speaker 1: it's really all for my my well Okay, I'm trying

659
00:29:48,400 --> 00:29:49,960
Speaker 1: not to tell the full there's a full story. While

660
00:29:50,000 --> 00:29:52,160
Speaker 1: we're going to Montreal. It's kind of on a it's

661
00:29:52,200 --> 00:29:54,000
Speaker 1: kind of sad, but we're just turning the sad trip.

662
00:29:54,120 --> 00:29:58,120
Speaker 1: We're turning the sadness into a girl's trip, so hopefully

663
00:29:58,160 --> 00:30:00,960
Speaker 1: it'll be hopefully it'll be more fun than your trip was.

664
00:30:01,560 --> 00:30:03,560
Speaker 2: Yeah, I just want to thank like to be a

665
00:30:03,640 --> 00:30:05,600
Speaker 2: listeners just like sad By, Like you know, our last

666
00:30:05,880 --> 00:30:08,720
Speaker 2: podcast we talked about my fibroids, and like I'm just

667
00:30:08,760 --> 00:30:10,400
Speaker 2: beginning the journey. I'm like, oh, you guys are so

668
00:30:10,440 --> 00:30:13,760
Speaker 2: awesome reaching out, giving your phone numbers, naming your doctors.

669
00:30:13,800 --> 00:30:17,120
Speaker 2: And I said, okay, So honestly, I'm really like, I

670
00:30:17,200 --> 00:30:20,440
Speaker 2: joined this group on Facebook called Vegan for Beginners. I

671
00:30:20,480 --> 00:30:22,280
Speaker 2: know I'm not gonna be one of those vegans, I promise,

672
00:30:22,640 --> 00:30:24,120
Speaker 2: but I don't even know if I'm gonna.

673
00:30:23,880 --> 00:30:26,520
Speaker 1: Be vecas is a vegan. I've been thinking about it, you.

674
00:30:26,480 --> 00:30:28,240
Speaker 2: Know, and so I don't know that I'm gonna, but

675
00:30:28,320 --> 00:30:30,960
Speaker 2: I definitely have heard. Obviously meat has a lot of hormones,

676
00:30:31,040 --> 00:30:35,240
Speaker 2: and the higher your hormones, like like fibroids, apparently, you know,

677
00:30:35,320 --> 00:30:38,840
Speaker 2: thrive off like higher hormone levels, and so I'm definitely

678
00:30:39,680 --> 00:30:42,240
Speaker 2: just open to I've been no but to changing my

679
00:30:42,280 --> 00:30:45,000
Speaker 2: diet anyway. So I'm just like, Okay, I don't know

680
00:30:45,040 --> 00:30:48,440
Speaker 2: that I'll be like completely vegan, but I definitely want

681
00:30:48,480 --> 00:30:52,880
Speaker 2: to adopt a diet that's going to, you know, help

682
00:30:52,960 --> 00:30:56,320
Speaker 2: with this and also stress. I heard is like you know,

683
00:30:56,440 --> 00:31:02,320
Speaker 2: a big like like really of exacerbates your your fibrate situation.

684
00:31:03,520 --> 00:31:06,080
Speaker 2: Something called live cultures, which are like probiotics, which are

685
00:31:06,120 --> 00:31:08,240
Speaker 2: like I'm like really because I freaking love Greek yogurt,

686
00:31:08,760 --> 00:31:10,720
Speaker 2: I love like olives, all these things that they're like,

687
00:31:10,720 --> 00:31:11,880
Speaker 2: oh yeah, girl, no, I'm.

688
00:31:11,760 --> 00:31:16,840
Speaker 1: Like really wait those apparently.

689
00:31:15,200 --> 00:31:16,920
Speaker 2: Well this is what someone wrote me. I don't know

690
00:31:16,960 --> 00:31:19,520
Speaker 2: for sure, you know, you have everyone always has something that.

691
00:31:19,440 --> 00:31:20,240
Speaker 1: They did share.

692
00:31:20,360 --> 00:31:22,680
Speaker 2: I'm already tired, I know, so I just said, you

693
00:31:22,680 --> 00:31:24,840
Speaker 2: know what, but I read this really great article and

694
00:31:24,880 --> 00:31:28,680
Speaker 2: they basically were like, like, you know, go speak with

695
00:31:28,720 --> 00:31:31,800
Speaker 2: your doctor, find a doctor, and maybe even if it's

696
00:31:31,800 --> 00:31:34,120
Speaker 2: a cluster of doctors that you trust, and then work

697
00:31:34,160 --> 00:31:36,240
Speaker 2: from there. But I mean, in general, it's never a

698
00:31:36,240 --> 00:31:38,640
Speaker 2: bad thing to eat, right, So that's something that I

699
00:31:38,720 --> 00:31:40,880
Speaker 2: want to do in general, But at the end of

700
00:31:40,880 --> 00:31:42,560
Speaker 2: the day, I'm going to like really sit down and

701
00:31:43,120 --> 00:31:45,760
Speaker 2: find some doctors that I really trust and that understand

702
00:31:45,760 --> 00:31:49,560
Speaker 2: and really that their focus is this, you know, like

703
00:31:50,120 --> 00:31:52,920
Speaker 2: women and their like reproductive systems, and then just really

704
00:31:52,960 --> 00:31:54,240
Speaker 2: like see like what can be done.

705
00:31:54,320 --> 00:31:58,760
Speaker 1: You know. Yeah. Yeah recap though for people who don't

706
00:31:58,760 --> 00:32:01,320
Speaker 1: know what you're talking about the brid situation.

707
00:32:02,120 --> 00:32:03,959
Speaker 2: So yeah, I found out like I was like, oh,

708
00:32:04,000 --> 00:32:06,560
Speaker 2: I should got to like you know obgy n. I mean,

709
00:32:06,640 --> 00:32:08,520
Speaker 2: like I'm grown, so like I was like, never I

710
00:32:08,600 --> 00:32:10,520
Speaker 2: was going to my regular doctor, but I wasn't going

711
00:32:10,800 --> 00:32:12,880
Speaker 2: and I never had like any issues. It wasn't like,

712
00:32:12,920 --> 00:32:16,440
Speaker 2: you know, I will always get my regular like you know, checkups,

713
00:32:16,440 --> 00:32:19,160
Speaker 2: like I said, and but I went and I always

714
00:32:19,200 --> 00:32:21,520
Speaker 2: had like this little pouch, but not always. I would

715
00:32:21,520 --> 00:32:23,160
Speaker 2: say the last maybe like five or six years, I

716
00:32:23,200 --> 00:32:25,000
Speaker 2: had this little pouch on my belly and I couldn't

717
00:32:25,000 --> 00:32:27,120
Speaker 2: figure out why because I'm like, hmm, you know, like

718
00:32:27,160 --> 00:32:28,960
Speaker 2: my stomach is fairly flat. And I would always complain

719
00:32:29,000 --> 00:32:31,040
Speaker 2: to Superman and he'd be like, I don't see a belly.

720
00:32:31,040 --> 00:32:33,480
Speaker 2: I'm like, I have one. I can't do anything about it, damnit.

721
00:32:33,680 --> 00:32:34,720
Speaker 1: He's like, yeah, it was a trap.

722
00:32:35,280 --> 00:32:38,880
Speaker 2: Yeah, I was always wearing like if you've seen me,

723
00:32:39,080 --> 00:32:42,719
Speaker 2: like typically most of my speaking outfits are pretty fitted,

724
00:32:42,920 --> 00:32:44,400
Speaker 2: so you probably like, tip, I never see the belly.

725
00:32:44,440 --> 00:32:47,280
Speaker 2: I'm like, uh SPANX and like you know, so I

726
00:32:47,360 --> 00:32:50,200
Speaker 2: always always always wore. My sisters would tease me because

727
00:32:50,240 --> 00:32:52,160
Speaker 2: even when I was like, like, I'm like I would

728
00:32:52,160 --> 00:32:54,520
Speaker 2: say medium size now, but even when I was small,

729
00:32:54,920 --> 00:32:57,720
Speaker 2: I would still wear like some sort of control top

730
00:32:57,760 --> 00:32:59,000
Speaker 2: and they're like, what the hell tip me, and you're

731
00:32:59,040 --> 00:33:01,400
Speaker 2: like a size for and I would always be like no,

732
00:33:01,920 --> 00:33:03,840
Speaker 2: like you know, I just have this little belly I

733
00:33:03,840 --> 00:33:05,479
Speaker 2: can't get rid of. So I guess it turns out

734
00:33:05,480 --> 00:33:07,240
Speaker 2: it was five boids. I don't know how. I never

735
00:33:07,280 --> 00:33:10,719
Speaker 2: figured that out before, but apparently now. I don't know

736
00:33:10,920 --> 00:33:13,000
Speaker 2: how large they were now, but they're fairly large. I

737
00:33:13,040 --> 00:33:15,240
Speaker 2: don't She never told me, like, she never gave me

738
00:33:15,280 --> 00:33:19,240
Speaker 2: a comparison like to what but three large five boids,

739
00:33:19,280 --> 00:33:21,360
Speaker 2: And I was like, yikes, and there're so five boards

740
00:33:21,400 --> 00:33:26,160
Speaker 2: are non cancerous tumors and and you're like your uterus walls,

741
00:33:26,240 --> 00:33:28,560
Speaker 2: So your uterine walls I guess they call, and so

742
00:33:29,000 --> 00:33:31,200
Speaker 2: basically they can you know, it can prevent you from

743
00:33:31,240 --> 00:33:34,520
Speaker 2: having kids, or if you do get pregnant, you're you're

744
00:33:34,560 --> 00:33:37,400
Speaker 2: more of risk for like miscarriages. And it doesn't mean

745
00:33:37,400 --> 00:33:39,440
Speaker 2: that like lots of women have kids with five words,

746
00:33:39,480 --> 00:33:41,920
Speaker 2: but it's just you want to be mindful of these things,

747
00:33:42,000 --> 00:33:45,040
Speaker 2: especially if you're wanting to have kids. And you know,

748
00:33:45,160 --> 00:33:48,760
Speaker 2: so five boys, it's still a kind of a mystery

749
00:33:49,120 --> 00:33:51,840
Speaker 2: as to why they grow, what makes them grow, what

750
00:33:52,000 --> 00:33:55,520
Speaker 2: makes them shrink. So you know, I'm just kind of

751
00:33:55,560 --> 00:33:58,400
Speaker 2: like exploring that. You know that, it's it's been a

752
00:33:58,400 --> 00:34:00,880
Speaker 2: part of my family history. I'm just kind of like

753
00:34:00,920 --> 00:34:04,440
Speaker 2: figuring out, like, you know, what what direction do I

754
00:34:04,520 --> 00:34:07,160
Speaker 2: going till the doctor, Well, the second doctor I went to,

755
00:34:07,160 --> 00:34:08,680
Speaker 2: it was like, oh he was a man. He was like, oh,

756
00:34:08,760 --> 00:34:10,120
Speaker 2: right away, we all take care of these. We got

757
00:34:10,120 --> 00:34:13,000
Speaker 2: to schedule some surgery. And I was like, oh, like

758
00:34:13,160 --> 00:34:16,879
Speaker 2: that's pretty you know that's because you can you can

759
00:34:17,000 --> 00:34:19,800
Speaker 2: have surgery and then end up messing up your uterus

760
00:34:19,800 --> 00:34:21,759
Speaker 2: and not being able to have kids. And I'm like, uh,

761
00:34:21,840 --> 00:34:25,560
Speaker 2: before we explore that option, I'm not fifty one of

762
00:34:25,560 --> 00:34:28,399
Speaker 2: those things exactly. So I'm just like, hold up, wait

763
00:34:28,400 --> 00:34:31,719
Speaker 2: a minute, exactly. So I'm just like, you know, so

764
00:34:31,840 --> 00:34:34,839
Speaker 2: I'm really just trying to explore what are my options,

765
00:34:35,280 --> 00:34:38,400
Speaker 2: you know, Like, I'm not opposed to surgery, but I

766
00:34:38,440 --> 00:34:40,839
Speaker 2: don't want to put myself in a position to not

767
00:34:41,480 --> 00:34:43,640
Speaker 2: at least try. I'm not gonna lie. I'm still on

768
00:34:43,640 --> 00:34:45,600
Speaker 2: the fence about kids. I'm not like, yes, I have

769
00:34:45,719 --> 00:34:47,719
Speaker 2: to be a mom. I'm kind of like, I want

770
00:34:47,719 --> 00:34:50,120
Speaker 2: to try and if I have kids, great. But I'm

771
00:34:50,120 --> 00:34:51,759
Speaker 2: not someone who's like, if I don't have kids, I'm

772
00:34:51,760 --> 00:34:53,400
Speaker 2: definitely adopted because I want to be a mom no

773
00:34:53,440 --> 00:34:55,480
Speaker 2: matter what. I don't feel that way. I'm just kind

774
00:34:55,480 --> 00:34:57,840
Speaker 2: of like, I want to try and if I have kids, great,

775
00:34:57,840 --> 00:35:00,440
Speaker 2: and if I don't, will I be disappointed? Yeah, but

776
00:35:01,680 --> 00:35:04,080
Speaker 2: it's not my first it's not you know what I mean.

777
00:35:04,160 --> 00:35:06,239
Speaker 2: Like I always thought that something was gonna click in

778
00:35:06,280 --> 00:35:07,480
Speaker 2: me and I'd be like, I want to be a

779
00:35:07,480 --> 00:35:09,920
Speaker 2: mom no matter what. And that has not clicked. Oh,

780
00:35:10,000 --> 00:35:12,359
Speaker 2: I'm thirty seven, so it's not like, oh, because people

781
00:35:12,360 --> 00:35:15,040
Speaker 2: told me, wait till your mid thirties, it'll click. It hasn't.

782
00:35:15,840 --> 00:35:19,800
Speaker 1: Really people. I'm surprised because people that are older people

783
00:35:19,840 --> 00:35:21,920
Speaker 1: I know who waited to have kids when they were older,

784
00:35:22,840 --> 00:35:25,400
Speaker 1: universally have told me I wish I had done this earlier,

785
00:35:25,760 --> 00:35:27,960
Speaker 1: and I should actually have been taking a poll as

786
00:35:28,000 --> 00:35:29,440
Speaker 1: to why they wish. I don't know if it was

787
00:35:29,480 --> 00:35:34,120
Speaker 1: because their bodies or their workload or what, but that

788
00:35:34,400 --> 00:35:38,680
Speaker 1: and I just saw Mindy Kaling not to Mindy Kaling's pregnant. Yeah,

789
00:35:38,760 --> 00:35:40,640
Speaker 1: And I read an interview she gave and she's like, yeah,

790
00:35:40,840 --> 00:35:42,360
Speaker 1: so everyone told me to have a kid, just do

791
00:35:42,400 --> 00:35:44,360
Speaker 1: it sooner than later, and so she just kind of

792
00:35:44,480 --> 00:35:46,440
Speaker 1: like had one. And now I'm thinking, should I just

793
00:35:46,480 --> 00:35:46,920
Speaker 1: have one?

794
00:35:47,360 --> 00:35:50,680
Speaker 2: Just yeah, I don't, I know. Honestly, it's I'll say

795
00:35:50,719 --> 00:35:54,080
Speaker 2: this like my my my best friend has a two

796
00:35:54,200 --> 00:35:55,920
Speaker 2: year old, my sister has a one and a half year old,

797
00:35:55,960 --> 00:35:57,399
Speaker 2: and also a four month old.

798
00:35:57,800 --> 00:35:58,480
Speaker 1: It is.

799
00:36:00,040 --> 00:36:02,080
Speaker 2: Disruptive to say.

800
00:36:01,920 --> 00:36:04,800
Speaker 1: That it seems terrible. No say to all you moms

801
00:36:04,800 --> 00:36:06,839
Speaker 1: out there, I'm sure it's very fulfilling, but you guys

802
00:36:06,840 --> 00:36:07,800
Speaker 1: need look awful.

803
00:36:08,200 --> 00:36:10,200
Speaker 2: But I mean, honestly, like I'll say this like, oh

804
00:36:10,320 --> 00:36:13,880
Speaker 2: my god, my nephew, my godson, my niece. I'm not

805
00:36:13,920 --> 00:36:15,440
Speaker 2: gonna lie when I have a bad if I'm having

806
00:36:15,520 --> 00:36:17,040
Speaker 2: like like if today was like say a like super

807
00:36:17,040 --> 00:36:19,000
Speaker 2: bad day, I would be like all right. After we

808
00:36:19,000 --> 00:36:20,680
Speaker 2: get off the podcast, I'm actually just gonna go to

809
00:36:20,719 --> 00:36:23,600
Speaker 2: my sister's house and literally just soaking the love and

810
00:36:23,640 --> 00:36:26,920
Speaker 2: the pure spirits like that they are, because that's how

811
00:36:27,400 --> 00:36:31,160
Speaker 2: awesome it is to be around them. And then poop time,

812
00:36:31,239 --> 00:36:33,640
Speaker 2: d'd be changed it time to go to sleep. I'm

813
00:36:33,640 --> 00:36:36,239
Speaker 2: mad at everybody. I won't eat, so you're like, oh,

814
00:36:36,800 --> 00:36:40,279
Speaker 2: aside from Auntie lovetime, there's this other part where my

815
00:36:40,320 --> 00:36:42,160
Speaker 2: sister literally what I call her all I hear her

816
00:36:42,160 --> 00:36:45,680
Speaker 2: say is Roman, Roman, Roman, Roman, Roman, don't hear your

817
00:36:45,680 --> 00:36:48,080
Speaker 2: sister Roman, don't bite her toes, Roman, don't eat that?

818
00:36:48,600 --> 00:36:51,120
Speaker 2: And I'm like, what's that mean? While Roman's only wanted

819
00:36:51,200 --> 00:36:55,600
Speaker 2: a half and I'm like, he's a terror. A cute terror,

820
00:36:55,600 --> 00:36:59,040
Speaker 2: but a terror. It's very disruptive because I remember before

821
00:36:59,080 --> 00:37:01,360
Speaker 2: telling her, like I had asked her to do me

822
00:37:01,400 --> 00:37:03,120
Speaker 2: a favor and I was like, well, why did you

823
00:37:03,160 --> 00:37:05,759
Speaker 2: do it? She's like, I'm on with a one year

824
00:37:05,800 --> 00:37:08,680
Speaker 2: old and a four month old, and I was like,

825
00:37:08,719 --> 00:37:10,600
Speaker 2: it can't be that hard, and then I baby said,

826
00:37:10,600 --> 00:37:14,239
Speaker 2: and I was like, please save me. I was so

827
00:37:14,400 --> 00:37:16,520
Speaker 2: exhausted and I couldn't. You can't sleep, what are you

828
00:37:16,520 --> 00:37:18,279
Speaker 2: gonna do? Sleep? And let the kids be up while

829
00:37:18,280 --> 00:37:21,160
Speaker 2: they destroy themselves, like I don't even know how she

830
00:37:21,200 --> 00:37:23,920
Speaker 2: does it, Like sometimes the baby she only get two

831
00:37:24,000 --> 00:37:26,759
Speaker 2: nights three hours worth of sleep and now she's back

832
00:37:26,800 --> 00:37:27,200
Speaker 2: at work.

833
00:37:27,920 --> 00:37:29,320
Speaker 1: And God made them cute.

834
00:37:29,840 --> 00:37:34,440
Speaker 2: Yes, I really believe that God made kids really cute,

835
00:37:34,840 --> 00:37:37,680
Speaker 2: because if not, I don't even know if people would

836
00:37:37,760 --> 00:37:40,680
Speaker 2: keep them because it's a lot. So I'll say this

837
00:37:40,760 --> 00:37:42,000
Speaker 2: that you know, I know people say, oh I wish

838
00:37:42,000 --> 00:37:43,719
Speaker 2: I would have had them earlier or whatever, But have

839
00:37:43,880 --> 00:37:46,440
Speaker 2: them when you're ready, because know that your life is

840
00:37:46,480 --> 00:37:49,919
Speaker 2: not gonna be the same ever again in a good

841
00:37:49,920 --> 00:37:51,839
Speaker 2: way and also in a disruptive way.

842
00:37:51,920 --> 00:37:55,200
Speaker 1: Quite honestly, it's kind of like how I feel how

843
00:37:55,239 --> 00:37:57,560
Speaker 1: I felt when I went hang gliding in Brazil. Stay

844
00:37:57,600 --> 00:38:01,200
Speaker 1: with me on this analogy thing. It was the hardest

845
00:38:01,239 --> 00:38:03,040
Speaker 1: thing I've ever done, and I've jumped out of planes

846
00:38:03,080 --> 00:38:05,200
Speaker 1: and all kinds of stuff, because you literally have to

847
00:38:05,320 --> 00:38:09,440
Speaker 1: work against all of your human instincts by like propelling,

848
00:38:09,560 --> 00:38:12,200
Speaker 1: like running, getting a running start, and then continuing to

849
00:38:12,280 --> 00:38:14,520
Speaker 1: run and keep running and then jump off a cliff.

850
00:38:15,000 --> 00:38:17,040
Speaker 1: And the whole time you're like, this is terrible, this

851
00:38:17,120 --> 00:38:18,560
Speaker 1: is stupid. Why am I doing this? And you have

852
00:38:18,600 --> 00:38:20,120
Speaker 1: to like get it. That's what I feel like having

853
00:38:20,160 --> 00:38:22,360
Speaker 1: a kid is like when you have to like decide

854
00:38:22,400 --> 00:38:25,880
Speaker 1: to do it. You know, it's like you're going against

855
00:38:25,880 --> 00:38:27,920
Speaker 1: you have all these reasons why not in front of you,

856
00:38:27,960 --> 00:38:29,560
Speaker 1: and you have to keep just like barreling through it

857
00:38:29,600 --> 00:38:31,360
Speaker 1: and just jump off the cliff and then it's fun

858
00:38:31,520 --> 00:38:33,200
Speaker 1: or you die.

859
00:38:33,920 --> 00:38:36,480
Speaker 2: Like I said, it's both super awesome and super I

860
00:38:36,520 --> 00:38:39,040
Speaker 2: think I'm going to kill myself, I think, so I try.

861
00:38:39,320 --> 00:38:41,640
Speaker 2: I try my best to like go over, like it'll

862
00:38:41,680 --> 00:38:43,000
Speaker 2: be crazy. She'd be like, oh, I got I got

863
00:38:43,000 --> 00:38:44,960
Speaker 2: your mail from mommy and Daddy's house. And I'm like, okay,

864
00:38:45,000 --> 00:38:48,640
Speaker 2: I'll come get it without the bail. I'll come get

865
00:38:48,640 --> 00:38:50,160
Speaker 2: it and I'll be giving like roaming a hug and

866
00:38:50,200 --> 00:38:54,200
Speaker 2: Amelia kids, and she's either asleep or in the shower.

867
00:38:55,760 --> 00:38:56,560
Speaker 1: She's like trapped.

868
00:38:57,160 --> 00:39:00,480
Speaker 2: Yeah, So now I just know, like she knows, do

869
00:39:00,480 --> 00:39:02,239
Speaker 2: you have anything to do after this? No. Last time

870
00:39:02,239 --> 00:39:04,239
Speaker 2: I turned around, she literally just got into her bed,

871
00:39:04,280 --> 00:39:04,719
Speaker 2: and I was.

872
00:39:04,680 --> 00:39:08,520
Speaker 1: Like, oh, so, so I guess it just me and

873
00:39:08,560 --> 00:39:09,000
Speaker 1: you can't.

874
00:39:09,600 --> 00:39:11,480
Speaker 2: And so it just made me realize, like, wow, I

875
00:39:11,520 --> 00:39:13,200
Speaker 2: need to come over more often just to relieve her,

876
00:39:13,400 --> 00:39:14,920
Speaker 2: even it's just for an hour and a half if

877
00:39:14,960 --> 00:39:18,480
Speaker 2: you know new moms or even if they have two

878
00:39:18,520 --> 00:39:20,600
Speaker 2: of the kids and let those kids have a baby

879
00:39:20,600 --> 00:39:21,919
Speaker 2: city age, go releave them.

880
00:39:22,440 --> 00:39:26,200
Speaker 1: Yeah just an hour or something. Yes, if you're good

881
00:39:26,200 --> 00:39:28,319
Speaker 1: with kids. Otherwise people like me stay home.

882
00:39:29,000 --> 00:39:33,279
Speaker 2: Just send money, send money or give them like your

883
00:39:33,320 --> 00:39:35,840
Speaker 2: next gift. Give them like the gift of a babysitter.

884
00:39:36,520 --> 00:39:38,200
Speaker 1: I did. I sent my girlfriend a gift them a

885
00:39:38,239 --> 00:39:40,600
Speaker 1: massage and like a gift to a hair salon, like

886
00:39:40,640 --> 00:39:42,239
Speaker 1: a salon where she can get like a massage or

887
00:39:42,280 --> 00:39:44,839
Speaker 1: hair for her baby shower. Gift was that petty? I

888
00:39:44,880 --> 00:39:46,840
Speaker 1: was like, babies, don't she doesn't need more baby clothes?

889
00:39:47,640 --> 00:39:51,960
Speaker 2: Yeah, no, I think a massage or a break. Honestly,

890
00:39:52,080 --> 00:39:53,560
Speaker 2: I swear that I one of the things I'm looking for.

891
00:39:53,600 --> 00:39:56,000
Speaker 2: It is like a really good babysitter, Like so that

892
00:39:56,120 --> 00:39:58,040
Speaker 2: way I can like gift my sister like in the

893
00:39:58,080 --> 00:40:00,279
Speaker 2: area where we live in and to just to gift

894
00:40:00,280 --> 00:40:03,120
Speaker 2: her like, Okay, I'm gifting you married for the afternoon

895
00:40:03,160 --> 00:40:05,120
Speaker 2: so you can like, you know, lay down.

896
00:40:06,719 --> 00:40:07,320
Speaker 1: That's sweet.

897
00:40:07,680 --> 00:40:09,680
Speaker 2: Yeah, I'm gonna look. So I'm like any apb out

898
00:40:09,719 --> 00:40:11,800
Speaker 2: anybody know a good babysitter or Newark you know who's

899
00:40:11,800 --> 00:40:13,800
Speaker 2: not crazy or like it doesn't eat kids.

900
00:40:14,280 --> 00:40:16,560
Speaker 1: Let me know that is a high bar.

901
00:40:19,280 --> 00:40:22,080
Speaker 2: You don't eat kids. You're not a murderer, you're not crazy.

902
00:40:22,600 --> 00:40:37,320
Speaker 2: Let me know. It's time for do we have a

903
00:40:37,440 --> 00:40:38,920
Speaker 2: name the segment? What do we call this?

904
00:40:39,400 --> 00:40:46,600
Speaker 1: Questions? Okay, you don't even know her email yet, you

905
00:40:46,640 --> 00:40:49,120
Speaker 1: can't possibly remember the segment a segment name?

906
00:40:50,239 --> 00:40:55,480
Speaker 2: No way for questions? So yes, do we have any questions?

907
00:40:55,520 --> 00:40:56,160
Speaker 2: I know we do?

908
00:40:56,880 --> 00:40:59,600
Speaker 1: Okay, yes, today our question is and remember you guys,

909
00:40:59,640 --> 00:41:03,200
Speaker 1: We're gonna do a special student loan episode in August.

910
00:41:03,239 --> 00:41:05,479
Speaker 1: So I've gotten a lot of questions from you guys

911
00:41:05,480 --> 00:41:08,120
Speaker 1: on student loan debt. If you have student loan det questions,

912
00:41:08,120 --> 00:41:11,120
Speaker 1: you can email us at Brown Ambition Podcast at gmail

913
00:41:11,160 --> 00:41:14,759
Speaker 1: dot com or go to Bronambition podcast dot com and

914
00:41:14,800 --> 00:41:18,960
Speaker 1: select to ask us anything tab. So the question for

915
00:41:19,040 --> 00:41:23,040
Speaker 1: today's show is from Lisitor LaToya, and my heart is

916
00:41:23,080 --> 00:41:25,840
Speaker 1: like breaking for her. Here's her question. I'm gonna have

917
00:41:25,920 --> 00:41:28,600
Speaker 1: to shorten it a little bit, but I'll get the

918
00:41:28,600 --> 00:41:32,080
Speaker 1: gist of it. LaToya says, I'm typing through my tears

919
00:41:32,160 --> 00:41:35,120
Speaker 1: right now. I am beyond frustrated. But in the midst

920
00:41:35,160 --> 00:41:38,399
Speaker 1: of gathering myself and I thought of the two of you.

921
00:41:39,040 --> 00:41:41,480
Speaker 1: The most precious day of my life is haunted by

922
00:41:41,560 --> 00:41:44,120
Speaker 1: bad debt. I gave birth to my daughter, Taylor in

923
00:41:44,160 --> 00:41:46,879
Speaker 1: twenty fifteen. At the time, I was a single mom,

924
00:41:46,920 --> 00:41:49,040
Speaker 1: and I signed up for every new parent class I

925
00:41:49,080 --> 00:41:52,080
Speaker 1: could find. I'm thirty three years old, and I'm fortunate

926
00:41:52,200 --> 00:41:54,640
Speaker 1: enough to earn a good salary and have decent healthcare.

927
00:41:55,000 --> 00:41:57,080
Speaker 1: But after I gave birth to my daughter, even with

928
00:41:57,120 --> 00:42:00,400
Speaker 1: that healthcare, I've been hit with almost eight thousand dollars

929
00:42:00,400 --> 00:42:03,920
Speaker 1: in medical bills. They don't offer any sort of centralized

930
00:42:03,960 --> 00:42:06,680
Speaker 1: billing department, so I've been I've spent the last two

931
00:42:06,800 --> 00:42:10,720
Speaker 1: years getting all separate bills and notifications from every person

932
00:42:10,800 --> 00:42:14,439
Speaker 1: in practice that played a role in my delivery. Yeah,

933
00:42:14,480 --> 00:42:17,560
Speaker 1: you can relate to that. Probably a hospital visit and

934
00:42:17,600 --> 00:42:20,840
Speaker 1: you get so many different bills. So here she is

935
00:42:20,880 --> 00:42:23,480
Speaker 1: with eight thousand dollars in medical bills from all different

936
00:42:24,000 --> 00:42:28,839
Speaker 1: facets of her delivery process. So it's twenty sixteen, this

937
00:42:28,880 --> 00:42:30,719
Speaker 1: is a year after the birth, and I finally got

938
00:42:30,719 --> 00:42:33,160
Speaker 1: a hold of someone in their billing department that outlined

939
00:42:33,200 --> 00:42:36,680
Speaker 1: all the outstanding bills that she could see from my understanding,

940
00:42:36,760 --> 00:42:40,480
Speaker 1: I settled all the debt associated with my delivery. Since then,

941
00:42:40,680 --> 00:42:43,719
Speaker 1: cut to now, I've since moved to Texas and I'm

942
00:42:43,719 --> 00:42:46,960
Speaker 1: in the process of building homes. But nine months into

943
00:42:47,040 --> 00:42:49,680
Speaker 1: building the house, I'm a few weeks away from closing.

944
00:42:49,880 --> 00:42:53,719
Speaker 1: Today I received several alerts on my Fico account. It

945
00:42:53,800 --> 00:42:57,200
Speaker 1: turns out four medical bills were reported and have dropped

946
00:42:57,200 --> 00:43:00,680
Speaker 1: my score an average of fifty six points. I'm furious

947
00:43:00,719 --> 00:43:04,279
Speaker 1: and I don't understand how this happened, no warning, no communication.

948
00:43:04,760 --> 00:43:09,280
Speaker 1: What are my options? And here's sort of an epilogue.

949
00:43:09,360 --> 00:43:13,120
Speaker 1: She says, I verified the creditor had my North Carolina address,

950
00:43:13,200 --> 00:43:15,359
Speaker 1: so she's from her North Carolina originally and now she's

951
00:43:15,400 --> 00:43:18,399
Speaker 1: in Texas and my old phone number. But they said

952
00:43:18,440 --> 00:43:21,319
Speaker 1: it was my responsibility to update them. But how did

953
00:43:21,320 --> 00:43:23,440
Speaker 1: I note? How could I have known to update them

954
00:43:23,480 --> 00:43:26,560
Speaker 1: if I didn't know these bills existed? What should I do?

955
00:43:28,120 --> 00:43:29,720
Speaker 2: And how old is this debt?

956
00:43:30,120 --> 00:43:32,520
Speaker 1: This is only from twenty fifteen, so it's a couple.

957
00:43:32,320 --> 00:43:34,440
Speaker 2: Of Oh, okay, so it's not like it's not like

958
00:43:34,520 --> 00:43:35,640
Speaker 2: this debt has expired.

959
00:43:36,280 --> 00:43:38,880
Speaker 1: Yeah, So she's saying that. She says that she had

960
00:43:38,880 --> 00:43:41,200
Speaker 1: this eight thousand dollars debt it was from. She was

961
00:43:41,239 --> 00:43:43,400
Speaker 1: getting separate bills for all these little things that added

962
00:43:43,480 --> 00:43:45,360
Speaker 1: up to eight thousand dollars. And so she called the

963
00:43:45,360 --> 00:43:48,120
Speaker 1: hospital building office to say, can you just tell me

964
00:43:48,200 --> 00:43:50,839
Speaker 1: everything I owe and I'll go ahead and pay everything now.

965
00:43:51,080 --> 00:43:53,920
Speaker 1: And she said she thought everything was settled, but apparently

966
00:43:53,960 --> 00:43:56,760
Speaker 1: there were these four outstanding bills that were not settled,

967
00:43:57,120 --> 00:43:59,960
Speaker 1: and that's what So basically she moved and wasn't getting

968
00:44:00,080 --> 00:44:03,960
Speaker 1: her bills anymore. I don't know. Yeah, the hospital or

969
00:44:04,000 --> 00:44:06,800
Speaker 1: the debt collector didn't have her new address and stuff.

970
00:44:08,280 --> 00:44:12,600
Speaker 2: So honestly, the only thing I would think that you

971
00:44:12,600 --> 00:44:16,759
Speaker 2: can do now is to try to negotiate with the

972
00:44:16,800 --> 00:44:19,800
Speaker 2: debt collectors that you owe to get them to remove

973
00:44:19,840 --> 00:44:21,719
Speaker 2: these things if you pay them.

974
00:44:22,160 --> 00:44:25,000
Speaker 1: I wonder if it's the hospital that's pursuing the debt

975
00:44:25,120 --> 00:44:27,000
Speaker 1: or if they've already sold the debt, because it hasn't

976
00:44:27,080 --> 00:44:29,960
Speaker 1: quite been I mean, this debt happened in twenty fifteen,

977
00:44:30,000 --> 00:44:32,879
Speaker 1: but she settled it in twenty sixteen, so it may

978
00:44:32,880 --> 00:44:37,200
Speaker 1: be even less than a year since since she settled

979
00:44:37,200 --> 00:44:39,880
Speaker 1: those debts. So I don't it depends on who owns it,

980
00:44:39,920 --> 00:44:42,160
Speaker 1: but maybe she could call the hospital and if it's

981
00:44:42,160 --> 00:44:46,040
Speaker 1: still the hospital, then they could then she could settle

982
00:44:46,120 --> 00:44:49,080
Speaker 1: and maybe get them removed from her credit report. Does

983
00:44:49,080 --> 00:44:51,160
Speaker 1: that change if it was a debt collector.

984
00:44:51,400 --> 00:44:54,040
Speaker 2: Well, either one like oftentimes you can negotiate for that.

985
00:44:54,080 --> 00:44:56,480
Speaker 2: So sometimes I'll tell people that I'm like, okay, like

986
00:44:56,520 --> 00:44:59,080
Speaker 2: you oldest debt it, especially like let's you say you

987
00:44:59,080 --> 00:45:01,040
Speaker 2: owe two thousand, and if you're trying to settle for

988
00:45:01,040 --> 00:45:03,600
Speaker 2: five hundred, like good luck, you might be able to

989
00:45:03,600 --> 00:45:05,040
Speaker 2: settle for a five hundred, but they're not going to

990
00:45:05,160 --> 00:45:07,440
Speaker 2: remove it. But if you owe two thousand and you're

991
00:45:07,440 --> 00:45:10,360
Speaker 2: actually going to pay two thousand or fifteen hundred or higher,

992
00:45:10,800 --> 00:45:14,560
Speaker 2: then sometimes you can negotiate can this be removed because

993
00:45:14,600 --> 00:45:16,359
Speaker 2: you're paying basically most of it or all of it?

994
00:45:16,560 --> 00:45:20,440
Speaker 2: And so sometimes that because ultimately debt collectors or people

995
00:45:20,440 --> 00:45:22,400
Speaker 2: that you owe, they don't care about your credit report.

996
00:45:22,880 --> 00:45:25,120
Speaker 2: They want their money. So if you're able to give

997
00:45:25,160 --> 00:45:27,960
Speaker 2: them their money and dangle the carrot of like, hey,

998
00:45:28,000 --> 00:45:30,640
Speaker 2: this is why I want to exchange, and before you pay,

999
00:45:30,719 --> 00:45:32,319
Speaker 2: get that in writing that they're going to remove it,

1000
00:45:32,600 --> 00:45:35,080
Speaker 2: then that's what I would try to do. But just

1001
00:45:35,200 --> 00:45:37,320
Speaker 2: know that you know you have to be able to

1002
00:45:37,360 --> 00:45:39,919
Speaker 2: either pay most or all of that debt in order

1003
00:45:39,920 --> 00:45:44,120
Speaker 2: for that to to go through. You know, like because

1004
00:45:44,120 --> 00:45:47,240
Speaker 2: I've seen like you know, I'm like, I've seen people

1005
00:45:48,040 --> 00:45:51,600
Speaker 2: you know, get you know stuff. It's called a good

1006
00:45:51,600 --> 00:45:55,439
Speaker 2: faith letter basically, get people get things removed from your

1007
00:45:56,000 --> 00:45:59,680
Speaker 2: from your credit report, and so you can try that,

1008
00:46:00,440 --> 00:46:02,640
Speaker 2: or a good will letter. It's called a good No,

1009
00:46:02,680 --> 00:46:04,840
Speaker 2: it's called a good will letter. So you can just

1010
00:46:04,880 --> 00:46:06,080
Speaker 2: google go ahead.

1011
00:46:05,960 --> 00:46:08,240
Speaker 1: The goodwill letters. Just you send those to the credit

1012
00:46:08,239 --> 00:46:10,720
Speaker 1: bureaus or to your lender or the debt collector.

1013
00:46:11,280 --> 00:46:12,840
Speaker 2: So you would send that to the debt collector, so

1014
00:46:12,880 --> 00:46:16,200
Speaker 2: whoever is borrowing that you're borrowing from. Because actually like

1015
00:46:16,320 --> 00:46:21,040
Speaker 2: clear points like this like Free I remember I think

1016
00:46:21,040 --> 00:46:23,920
Speaker 2: I met them at fin Con. Clear point is like

1017
00:46:24,000 --> 00:46:27,719
Speaker 2: this Free Debt or credit Counseling agency. They're nonprofit and

1018
00:46:27,760 --> 00:46:31,000
Speaker 2: they actually have a d y I how to write

1019
00:46:31,040 --> 00:46:34,080
Speaker 2: a good how to write a good will letter for

1020
00:46:34,200 --> 00:46:38,520
Speaker 2: credit repair, and so you know it's possible. It's different

1021
00:46:38,520 --> 00:46:42,920
Speaker 2: from a dispute. Basically, you're just saying I know this happened,

1022
00:46:43,600 --> 00:46:46,040
Speaker 2: and you know, and I'm not asking I'm not saying

1023
00:46:46,040 --> 00:46:50,040
Speaker 2: that this didn't happen. I'm just saying, hey, you know,

1024
00:46:50,160 --> 00:46:52,440
Speaker 2: can you, if I pay you or whatever, can you

1025
00:46:52,480 --> 00:46:55,040
Speaker 2: basically do me a solid and take this off, you know.

1026
00:46:56,200 --> 00:46:58,520
Speaker 1: Yeah. One of my questions that I that I had

1027
00:46:58,560 --> 00:47:01,200
Speaker 1: for LaToya, and I actually melt her. I'll see if

1028
00:47:01,239 --> 00:47:03,560
Speaker 1: she responded, but I wanted to know if when she

1029
00:47:03,640 --> 00:47:05,520
Speaker 1: settled those debts, if she had gotten a letter from

1030
00:47:05,520 --> 00:47:07,640
Speaker 1: the hospital saying they had been settled and that the

1031
00:47:07,640 --> 00:47:11,160
Speaker 1: accounts were closed. Because I've actually had to settle I

1032
00:47:11,239 --> 00:47:12,960
Speaker 1: was going back and forth and back and forth with

1033
00:47:13,000 --> 00:47:15,680
Speaker 1: someone some lab that I had gotten. I don't know

1034
00:47:15,800 --> 00:47:17,400
Speaker 1: some you know how you go to the doctor to

1035
00:47:17,400 --> 00:47:19,719
Speaker 1: get a physical, and they put the blood work, they

1036
00:47:19,760 --> 00:47:21,239
Speaker 1: put it, they send the blood work to like a

1037
00:47:21,239 --> 00:47:24,600
Speaker 1: third party lab, and I kept getting billed from them

1038
00:47:24,640 --> 00:47:27,520
Speaker 1: and bills from them, and I finally was like, let

1039
00:47:27,520 --> 00:47:29,480
Speaker 1: me just settle this and I'll pay your eighty dollars

1040
00:47:29,560 --> 00:47:31,920
Speaker 1: or whatever. And they even went. They sent me a

1041
00:47:32,080 --> 00:47:34,200
Speaker 1: verification saying the account had been closed and it was

1042
00:47:34,239 --> 00:47:36,120
Speaker 1: paid in full, and I kept that for my records.

1043
00:47:36,960 --> 00:47:39,360
Speaker 1: I don't think that she had like a record of

1044
00:47:39,360 --> 00:47:41,160
Speaker 1: this settlement, and I would have and I would say,

1045
00:47:41,160 --> 00:47:44,400
Speaker 1: if anyone's in this situation, and you're you're moving forward

1046
00:47:44,440 --> 00:47:46,120
Speaker 1: and you're trying to settle a debt, whether it's with

1047
00:47:46,160 --> 00:47:48,759
Speaker 1: a hospital or your credit card or whoever, to make

1048
00:47:48,800 --> 00:47:51,400
Speaker 1: sure that you're getting some sort of record where you

1049
00:47:51,440 --> 00:47:54,520
Speaker 1: can show them. Because people make mistakes, especially we were

1050
00:47:54,560 --> 00:47:57,880
Speaker 1: just talking about medical billing offices made mistakes all the time,

1051
00:47:59,040 --> 00:48:01,960
Speaker 1: and you can you can dispute them and I mean

1052
00:48:02,160 --> 00:48:04,640
Speaker 1: argue against them. But if you have a paper trail,

1053
00:48:05,000 --> 00:48:06,600
Speaker 1: it makes your case all that stronger.

1054
00:48:07,400 --> 00:48:10,279
Speaker 2: Yeah, And like I said, try that, try that goodwill letter.

1055
00:48:10,320 --> 00:48:12,080
Speaker 2: Like I said, the purpose of a good will letter

1056
00:48:12,560 --> 00:48:15,520
Speaker 2: is to appeal to the goodwill of the person that

1057
00:48:15,560 --> 00:48:17,840
Speaker 2: you owe. You're not saying that you don't owe. You're

1058
00:48:17,880 --> 00:48:21,279
Speaker 2: acknowledging that this is a debt that's mine. But you know,

1059
00:48:21,360 --> 00:48:24,880
Speaker 2: I'm asking that you you know that you recind this

1060
00:48:24,920 --> 00:48:27,279
Speaker 2: basically for my credit report, you know, and you know

1061
00:48:27,760 --> 00:48:29,000
Speaker 2: one of the ways you could do that. Let's just

1062
00:48:29,000 --> 00:48:31,759
Speaker 2: say if it's if it's one late payment that you made.

1063
00:48:31,880 --> 00:48:34,319
Speaker 2: You know, people send in goodwill letters or in this

1064
00:48:34,440 --> 00:48:36,640
Speaker 2: in this instance, saying this is what happened. I thought,

1065
00:48:36,680 --> 00:48:38,520
Speaker 2: I did everything. What can I do to fix it?

1066
00:48:38,600 --> 00:48:41,600
Speaker 2: And can you if I pay you know, can you

1067
00:48:41,640 --> 00:48:44,280
Speaker 2: take this off? And you'd be surprised because, like I said, ultimately,

1068
00:48:44,320 --> 00:48:46,600
Speaker 2: they don't care about your credit report. Credit reports are

1069
00:48:46,600 --> 00:48:49,560
Speaker 2: the way they try to get you to pay them, Like, well,

1070
00:48:49,560 --> 00:48:52,160
Speaker 2: if I punish you here, I'll get my money. Ultimately,

1071
00:48:52,440 --> 00:48:53,880
Speaker 2: everybody just wants their money.

1072
00:48:54,440 --> 00:48:56,879
Speaker 1: But what if she doesn't actually owe it? Because I mean,

1073
00:48:56,920 --> 00:48:59,400
Speaker 1: in that case, right, she needs to. I don't think

1074
00:48:59,680 --> 00:49:02,880
Speaker 1: she's an acknowledge that the debt's hers if she's not convinced.

1075
00:49:03,280 --> 00:49:05,120
Speaker 1: So one of the things I would tell her to do,

1076
00:49:05,600 --> 00:49:08,240
Speaker 1: or anyone is people don't you should send a debt

1077
00:49:08,440 --> 00:49:11,000
Speaker 1: or she should try sending a debt verification form to

1078
00:49:11,080 --> 00:49:14,480
Speaker 1: this is true and this is all, Oh, go ahead now,

1079
00:49:14,560 --> 00:49:14,959
Speaker 1: So I say.

1080
00:49:14,880 --> 00:49:16,719
Speaker 2: You're right, verify it like it makes sure this debt

1081
00:49:16,760 --> 00:49:17,480
Speaker 2: is yours.

1082
00:49:17,440 --> 00:49:19,000
Speaker 1: Because if you send it, when you send a debt

1083
00:49:19,040 --> 00:49:22,960
Speaker 1: verification letter, and I'll post a link in the show notes.

1084
00:49:23,000 --> 00:49:25,880
Speaker 1: But this Consumer of Financial Protection Bureau has a form.

1085
00:49:25,960 --> 00:49:28,640
Speaker 1: It's like a sample letter. All it is is you're asking,

1086
00:49:29,600 --> 00:49:32,040
Speaker 1: how do you know this debt is mine? What's the amount,

1087
00:49:32,239 --> 00:49:34,080
Speaker 1: what are the dates? And it was dude, show me

1088
00:49:34,160 --> 00:49:36,920
Speaker 1: that you show me that I owe this debt? Basically,

1089
00:49:36,960 --> 00:49:39,080
Speaker 1: and if they can't do that, then you should move

1090
00:49:39,120 --> 00:49:41,320
Speaker 1: forward and dispute that it's even yours in the first place.

1091
00:49:42,200 --> 00:49:45,680
Speaker 1: And it sounds like that she has a case. Hold

1092
00:49:45,719 --> 00:49:48,600
Speaker 1: on a second, well, oh, this is so awesome. Wait

1093
00:49:48,600 --> 00:49:52,640
Speaker 1: a second, this is like a live question update LaToya,

1094
00:49:52,960 --> 00:49:54,560
Speaker 1: She emailed me back two hours ago.

1095
00:49:55,000 --> 00:49:58,360
Speaker 2: Wow, hey, LaToya, you just knew we were gonna go LaToya.

1096
00:49:58,480 --> 00:50:01,319
Speaker 1: Wait, and it's good news. Second. Okay, so we didn't

1097
00:50:01,320 --> 00:50:06,200
Speaker 1: even help her. We helped Hopefully someone else enjoyed our advice. No, okay,

1098
00:50:06,200 --> 00:50:08,640
Speaker 1: this is okay. Hold on, this is breaking news. We

1099
00:50:08,640 --> 00:50:17,800
Speaker 1: need a breaking news away. Thank you. So here's Yah's update.

1100
00:50:18,719 --> 00:50:22,160
Speaker 1: She says, thank you so much for responding. I used Okay,

1101
00:50:22,160 --> 00:50:24,800
Speaker 1: this is so cool. I used a group legal prepaid

1102
00:50:24,800 --> 00:50:27,920
Speaker 1: benefit through my employer to find an attorney, so her

1103
00:50:28,160 --> 00:50:31,520
Speaker 1: employer had a benefit program where she could find like

1104
00:50:31,600 --> 00:50:35,359
Speaker 1: low cost legal aid. They fought the debt, and all

1105
00:50:35,440 --> 00:50:39,120
Speaker 1: three bureaus deleted those four accounts from my reports. My

1106
00:50:39,200 --> 00:50:42,680
Speaker 1: credit score has recouped most of the impacted points to

1107
00:50:42,680 --> 00:50:45,440
Speaker 1: my credit score, and I close on my home on

1108
00:50:45,520 --> 00:50:46,360
Speaker 1: August fourth.

1109
00:50:49,200 --> 00:50:52,600
Speaker 2: That's another right. We didn't think about that. Legal services

1110
00:50:52,760 --> 00:50:55,880
Speaker 2: see LaToya, you taught be a listener something that we

1111
00:50:55,920 --> 00:50:58,319
Speaker 2: didn't even suggest. That's awesome. I'm glad you fought it.

1112
00:50:58,560 --> 00:51:00,440
Speaker 1: I didn't know. Well, she didn't say in her original

1113
00:51:00,480 --> 00:51:03,279
Speaker 1: question that it was like a lawsuit, you know, if

1114
00:51:03,360 --> 00:51:05,120
Speaker 1: or she was sued or whatever. But that's definitely something

1115
00:51:05,120 --> 00:51:07,319
Speaker 1: that's like the next step. Like once these debts have

1116
00:51:07,440 --> 00:51:09,440
Speaker 1: been unpaid for so long, they ding you on your

1117
00:51:09,480 --> 00:51:11,839
Speaker 1: credit report, and then if enough time goes by, they

1118
00:51:11,840 --> 00:51:15,440
Speaker 1: may even pursue a lawsuit against you in court, and

1119
00:51:15,480 --> 00:51:17,279
Speaker 1: that's when things get difficult. But she did exactly the

1120
00:51:17,360 --> 00:51:20,640
Speaker 1: right thing by trying to find low cost legal service.

1121
00:51:20,719 --> 00:51:27,160
Speaker 1: So huzza, yes, take them. That's to the man hospital,

1122
00:51:27,239 --> 00:51:30,239
Speaker 1: suck man. Yeah, that is the moral of this story.

1123
00:51:30,239 --> 00:51:32,440
Speaker 1: I should have done a brown break for medical building offices.

1124
00:51:33,760 --> 00:51:35,680
Speaker 1: All the stress, you know, and she had. The thing

1125
00:51:35,760 --> 00:51:38,759
Speaker 1: that kills me is she had insurance and she still

1126
00:51:38,760 --> 00:51:39,840
Speaker 1: wound up in this situation.

1127
00:51:40,400 --> 00:51:41,080
Speaker 2: That's crazy.

1128
00:51:41,400 --> 00:51:43,920
Speaker 1: Even if you have insurance, you're not safe from this BS.

1129
00:51:44,320 --> 00:51:48,359
Speaker 1: But happy ending. That was so funny. Yeah, okay, good,

1130
00:51:48,440 --> 00:51:52,360
Speaker 1: I'm glad because she sounded so stressed in that email. Okay, guys,

1131
00:51:52,880 --> 00:51:55,600
Speaker 1: you too can have a happy ending if you if

1132
00:51:55,600 --> 00:51:58,280
Speaker 1: you email your questions so Brown Ambition Podcast at gmail

1133
00:51:58,280 --> 00:51:59,400
Speaker 1: dot com.

1134
00:51:59,120 --> 00:52:13,239
Speaker 2: Dot com or go ahead ahead, no, no, no.

1135
00:52:14,680 --> 00:52:16,880
Speaker 1: How about you say it? What's their website.

1136
00:52:18,120 --> 00:52:22,640
Speaker 2: The uh podcast Brown podcast dot com.

1137
00:52:23,000 --> 00:52:29,319
Speaker 1: You got it. We're coming on two year anniversary.

1138
00:52:29,719 --> 00:52:30,960
Speaker 2: I know what are we gonna do?

1139
00:52:31,560 --> 00:52:34,399
Speaker 1: I don't know. Last year we did a dinner, so.

1140
00:52:34,840 --> 00:52:36,279
Speaker 2: Start asking us, like when are we gonna have When

1141
00:52:36,280 --> 00:52:38,400
Speaker 2: are we gonna get pregnant? When we're gonna get married?

1142
00:52:38,800 --> 00:52:39,440
Speaker 1: What you and me?

1143
00:52:40,200 --> 00:52:41,799
Speaker 2: Because you know we were like, you've been together for

1144
00:52:41,840 --> 00:52:44,080
Speaker 2: two years? Now when are you a man? He gonna

1145
00:52:44,080 --> 00:52:46,080
Speaker 2: have a baby? Leave us alone?

1146
00:52:46,239 --> 00:52:49,560
Speaker 1: She's seeing other people, super boos and supergirls.

1147
00:52:51,960 --> 00:52:53,960
Speaker 2: I know we should do something maybe that you guys

1148
00:52:53,960 --> 00:52:57,319
Speaker 2: can give us some suggestions tweet us, yeah, if you

1149
00:52:57,360 --> 00:53:00,279
Speaker 2: have some suggestions about you know what, like what di

1150
00:53:00,280 --> 00:53:02,239
Speaker 2: should we do to celebrate? Last year we had a

1151
00:53:02,360 --> 00:53:04,960
Speaker 2: dinner with some listeners which was really fun and the

1152
00:53:05,000 --> 00:53:08,600
Speaker 2: food was it wasn't the food was so good? So

1153
00:53:08,640 --> 00:53:10,040
Speaker 2: what should we do this time? We'd like to do

1154
00:53:10,080 --> 00:53:11,200
Speaker 2: something a little different.

1155
00:53:11,960 --> 00:53:13,120
Speaker 1: It's got the six flags.

1156
00:53:14,400 --> 00:53:16,640
Speaker 2: Yeah, no, I hate little Oh that's right.

1157
00:53:17,040 --> 00:53:18,799
Speaker 1: I meant to tell you Supergirl has some words to

1158
00:53:18,800 --> 00:53:21,000
Speaker 1: say to me at your wedding about that trip to

1159
00:53:21,160 --> 00:53:22,000
Speaker 1: Disney World.

1160
00:53:22,320 --> 00:53:22,799
Speaker 2: What is she?

1161
00:53:25,440 --> 00:53:25,560
Speaker 1: Yo?

1162
00:53:25,680 --> 00:53:27,560
Speaker 2: Supergirl? Is something up? What does she say?

1163
00:53:27,719 --> 00:53:29,160
Speaker 1: Oh, never mind, I't want to get her in trouble.

1164
00:53:29,200 --> 00:53:31,360
Speaker 1: I'm not a rat. No, No, she's I'm anitch.

1165
00:53:32,880 --> 00:53:35,080
Speaker 2: I do because she's like, Oh that's manny, I've got

1166
00:53:35,120 --> 00:53:39,040
Speaker 2: some things to share. Does she not have a good time?

1167
00:53:39,360 --> 00:53:41,000
Speaker 1: No, she had a great time. She loves you. You're

1168
00:53:41,040 --> 00:53:42,759
Speaker 1: the best. She said, You're so beautiful and pretty and

1169
00:53:42,760 --> 00:53:44,839
Speaker 1: smart and talented. It's exactly what she said.

1170
00:53:45,160 --> 00:53:47,839
Speaker 2: Yeah right, Supergirl's like, I'm not really feeling you right now.

1171
00:53:48,000 --> 00:53:49,280
Speaker 2: She calls me the daddy honker.

1172
00:53:49,960 --> 00:53:52,440
Speaker 1: Oh oh oh.

1173
00:53:51,800 --> 00:53:54,520
Speaker 2: I know we vented into that stage. Now. I'm like,

1174
00:53:54,520 --> 00:53:55,520
Speaker 2: oh great, just.

1175
00:53:55,440 --> 00:53:58,879
Speaker 1: Wait till she's fourteen. You can have him.

1176
00:54:01,360 --> 00:54:02,759
Speaker 2: So are we gonna do some wins? I can I

1177
00:54:02,760 --> 00:54:03,399
Speaker 2: have a quick win?

1178
00:54:03,760 --> 00:54:04,080
Speaker 1: Sure?

1179
00:54:05,000 --> 00:54:09,040
Speaker 2: So Tiffany, I can't say her last name hash hash

1180
00:54:09,280 --> 00:54:12,399
Speaker 2: Hattish hattish. So apparently I just saw on sence dot

1181
00:54:12,440 --> 00:54:16,720
Speaker 2: com that she got a stand up a deal discount

1182
00:54:16,760 --> 00:54:19,480
Speaker 2: d or deal whatever with Showtime. That's pretty awesome.

1183
00:54:20,000 --> 00:54:22,200
Speaker 1: Oh to do a stand up show, Yeah, you.

1184
00:54:22,160 --> 00:54:23,799
Speaker 2: Know that's pretty big. You know, all the greats have

1185
00:54:23,840 --> 00:54:26,120
Speaker 2: done that. So I just want to say kudos to you.

1186
00:54:26,160 --> 00:54:28,000
Speaker 2: From one Tiffany to another.

1187
00:54:28,440 --> 00:54:29,279
Speaker 1: What about you?

1188
00:54:29,320 --> 00:54:30,520
Speaker 2: Any any wins?

1189
00:54:31,760 --> 00:54:34,600
Speaker 1: Yeah, I'll give a win to gold Bond rapid itch Relief.

1190
00:54:35,040 --> 00:54:38,640
Speaker 1: It is the best rapid itch relief cream on the market.

1191
00:54:38,840 --> 00:54:40,840
Speaker 1: Find it in your local CBS. You can buy it

1192
00:54:40,840 --> 00:54:41,880
Speaker 1: with your f s A card.

1193
00:54:43,160 --> 00:54:46,560
Speaker 2: What Okay, I guess you know.

1194
00:54:46,640 --> 00:54:48,359
Speaker 1: For real, if you're itching from your trip, don't use

1195
00:54:48,360 --> 00:54:51,080
Speaker 1: that cortizone cream. Just use like gold Bond or a

1196
00:54:51,160 --> 00:54:53,680
Speaker 1: V No. Those are my two favorite. From one type

1197
00:54:53,719 --> 00:54:54,480
Speaker 1: oh to another?

1198
00:54:56,000 --> 00:54:56,439
Speaker 2: Is that? Okay?

1199
00:54:56,480 --> 00:54:58,200
Speaker 1: Got along? Sowell? We're both typos?

1200
00:54:58,440 --> 00:55:00,440
Speaker 2: I know? Are you? Are you the are you the

1201
00:55:00,480 --> 00:55:01,120
Speaker 2: donor or the giver?

1202
00:55:01,320 --> 00:55:03,240
Speaker 1: Wait, Tiffany, we're typos.

1203
00:55:05,080 --> 00:55:07,240
Speaker 2: Now that wasn't funny.

1204
00:55:09,960 --> 00:55:11,120
Speaker 1: I just took them benat role.

1205
00:55:13,480 --> 00:55:16,560
Speaker 2: But are you the universal donor? Are you the universal receiver?

1206
00:55:16,880 --> 00:55:19,359
Speaker 1: I'm positive? So I think I can give, I can take,

1207
00:55:19,400 --> 00:55:23,440
Speaker 1: but I can't. No, I'm oh positive, I forget. I

1208
00:55:23,480 --> 00:55:25,560
Speaker 1: think I'm the universal.

1209
00:55:25,360 --> 00:55:28,719
Speaker 2: Receiver receiver and I'm the universal donor, but I can't

1210
00:55:28,719 --> 00:55:30,400
Speaker 2: give from anybody except for O's.

1211
00:55:30,719 --> 00:55:31,719
Speaker 1: Okay, sucks for you.

1212
00:55:33,080 --> 00:55:36,880
Speaker 2: Basically, I don't know why that's so funny.

1213
00:55:37,760 --> 00:55:41,200
Speaker 1: Hey ba fam. Wasn't that a fun throwback and such

1214
00:55:41,200 --> 00:55:43,799
Speaker 1: a fun trip down memory lane. Make sure to check

1215
00:55:43,840 --> 00:55:48,400
Speaker 1: out Brown Ambition every Monday, Wednesday, and Friday. Now, y'all,

1216
00:55:48,480 --> 00:55:51,960
Speaker 1: three times a week, three times the Brown Ambition goodness.

1217
00:55:52,120 --> 00:55:54,480
Speaker 1: We will see you Wednesday for our regular show and

1218
00:55:54,520 --> 00:55:58,480
Speaker 1: then Friday for our b a Q and a bye