WEBVTT - How To Deal With Medical Bills (BA Throwback)

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

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<v Speaker 1>First of all, have y'all been loving the Monday Holaback

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<v Speaker 1>episodes because I know I have. And also for y'all

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<v Speaker 1>who look at our catalog and you're like, holy crap,

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<v Speaker 1>we have over five hundred episodes. We've been in the

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<v Speaker 1>game for over eight years. Do you know that? So

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<v Speaker 1>this is such a great way if you just come

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<v Speaker 1>into our show, you want to also get in touch

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<v Speaker 1>with what's happening with us right now in our lives,

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<v Speaker 1>but you also want to take a little time machine

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<v Speaker 1>back back back to old way back when these Monday

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<v Speaker 1>episodes are all about throwing back to older shows in

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<v Speaker 1>the archives and bringing them back up. This week, we

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<v Speaker 1>have a real juicy one for y'all. We discuss how

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<v Speaker 1>to solve medical billing nightmares. And given the fact that

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<v Speaker 1>I just went through a medical nightmare with some family

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<v Speaker 1>members of mine and have been wading through all of

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<v Speaker 1>the billing crab the only thing I can say is,

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<v Speaker 1>don't trust a thing you see on that bill. Call

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<v Speaker 1>everyone and fight for yourself. Fight for your insured to

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<v Speaker 1>cover things, even if everyone at the hospital says they

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<v Speaker 1>have your insurance information. It's all great and dandy. I

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

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<v Speaker 1>so much that can go wrong. So enjoy this episode

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<v Speaker 1>and I will be back at the end.

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<v Speaker 2>Hey hey, hey, we're back. We're back. We're back, and

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<v Speaker 2>I'm back from vacation slash many not really honeymoon because

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<v Speaker 2>I went on it with two couples. Have you ever

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<v Speaker 2>been in a couples trip, manny.

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<v Speaker 1>A couple's trip? Have I? Technically every summer we go

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<v Speaker 1>on a camping trip with our friends and we've now

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<v Speaker 1>become a couple's trip because everyone's boot up and married

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<v Speaker 1>and stuff. Okay, so yeah, yeah, yeah, I have Okay,

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<v Speaker 1>not to Jamaica though, Yeah, I mean.

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<v Speaker 2>It was honestly, it was gonna be like just a

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<v Speaker 2>girl's trip. Me and my bestie. We typically go away

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<v Speaker 2>at least once a year with each other. And then

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<v Speaker 2>we were like, oh, you know, we should bring the

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<v Speaker 2>guys because we felt it was close to father Well

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<v Speaker 2>Father's Day passed not too long ago, I guess, and

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<v Speaker 2>I was just like okay, and then you know, I

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<v Speaker 2>ended up randomly getting married, So I was like, well,

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<v Speaker 2>this can be like like a test run for a honeymoon,

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<v Speaker 2>and then another friend of mine when we've had on

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<v Speaker 2>the show, Lovey, said oh, I'll come too, and so

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<v Speaker 2>it just became like six of us. Honestly, it was.

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<v Speaker 2>It was actually really good. I was nervous because I

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<v Speaker 2>knew the girls because we all knew each other, so

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

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<v Speaker 2>your like you know, I don't I hate to call

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<v Speaker 2>many kids, but you know, you're like, oh my god,

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<v Speaker 2>are our kids gonna play well together? And they did.

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<v Speaker 2>One of them was like this was like they were like,

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<v Speaker 2>this is like adult summer camp. The guys hang with

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<v Speaker 2>the guys, the girls hang with the girls, and then

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<v Speaker 2>we hang out to yeah there. So that happened all throughout,

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<v Speaker 2>like you know, like yeah, it was Honestly.

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<v Speaker 1>We had exactly how our trips end up to the

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<v Speaker 1>girls go do their thing and the guys go find something.

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<v Speaker 2>To break right or like in Jamaica, you know, it

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<v Speaker 2>was a little different.

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<v Speaker 1>It was like they don't grow up.

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

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<v Speaker 2>was just it was just I realized, I don't I've

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<v Speaker 2>never seen Superman like interact with like I mean, I'm

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<v Speaker 2>used to seeing him with like his friends, but it

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<v Speaker 2>was interesting to see him with like kind of friends,

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<v Speaker 2>you know, yeah, you know, because with his friends, you know,

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<v Speaker 2>he's I guess he's kind of like the quiet one.

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<v Speaker 2>But I was like, he's really like the connector. He's

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<v Speaker 2>like pretty social because I'm really like, you know, I'm

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<v Speaker 2>talking of one, so typically he's like, you know, okay,

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<v Speaker 2>Tiffany got it. And he has a twin brother who

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<v Speaker 2>is also very like outgoing and social, so he's I

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<v Speaker 2>see now that he's kind of like the deflector, Like,

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<v Speaker 2>so if you're social, you got it. But the other

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

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

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<v Speaker 2>they're facilitating all the fun. It was so weird to

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<v Speaker 2>like see them across the beach and he's like the

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<v Speaker 2>animated one. I'm like since one, So that part was

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

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<v Speaker 2>So that was actually like a lot of fun. And

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<v Speaker 2>I don't know what they put in the Jamaican rum.

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<v Speaker 2>I don't drink, so me and the other girl love

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

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<v Speaker 2>but surprisingly no one was, even though you know they

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<v Speaker 2>were Jamaican running it up. I guess they put like

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<v Speaker 2>next to no alcohol, but everybody was like super good.

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<v Speaker 1>Oh you know those all inclusive resorts, they watered that

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<v Speaker 1>stuff down.

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<v Speaker 2>Yeah.

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<v Speaker 1>I was not impressed with the Dominican resort Pina Coladas.

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

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<v Speaker 2>three in one of these. Yeah.

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<v Speaker 1>I mean, I'm not trying to feel sloppy, but I

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<v Speaker 1>want to feel a little nice on my vacation. Also,

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<v Speaker 1>did were you guys at an all inclusive resort?

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<v Speaker 2>For sure? Girl Bob. It was like everything, and I

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<v Speaker 2>liked it because there was like a little like beach

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<v Speaker 2>kind of like restaurant where you can get stuff grilled

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

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<v Speaker 2>and then of course it had like kind of like

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<v Speaker 2>the open like buffet cafeteria type thing. So it was nice.

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<v Speaker 2>It was it was small, which I liked. It wasn't

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<v Speaker 2>one of these mega resorts where it's like three or

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<v Speaker 2>four hundred units. It was only like eighty and they

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<v Speaker 2>were like these treetop villas, so you didn't we didn't

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<v Speaker 2>have hotels. Everybody had their own individual like Tiki, like villa.

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<v Speaker 2>It was really cute. Honestly, I liked it a lot.

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<v Speaker 1>They're nice.

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<v Speaker 2>And I didn't know this, but like I guess, certain

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<v Speaker 2>islands you can like pay for VIP concier service where

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

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<v Speaker 2>I mean I just bought my thing. It's not like

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<v Speaker 2>we were being fancy. I got it on Expedia. It

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<v Speaker 2>was it was, you know, a great deal and it

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<v Speaker 2>came with it, and I was like, why, I don't

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<v Speaker 2>think I could ever go back to a normal airport.

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<v Speaker 2>I mean, we walked through every line, and you know,

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<v Speaker 2>customs lines are so long, especially if you're not a

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<v Speaker 2>citizen of that country. I mean we walked to the

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<v Speaker 2>front of every line, and then we waited like in

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<v Speaker 2>a they called it Mobay cafe, which is cute, and

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<v Speaker 2>so we waited for like our transportation to take us

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<v Speaker 2>to the hotel and his cute little cafe where it's

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<v Speaker 2>more rum punch and food. And it was really really nice,

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<v Speaker 2>and then we got upgraded to first class first row.

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<v Speaker 2>On the way back home, I said, it can't get

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<v Speaker 2>any better than this. Wait.

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<v Speaker 1>You know that because you've oh, go ahead.

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<v Speaker 2>No, no, it is because well, I mean I figured

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<v Speaker 2>it because I was like, how did we get upgraded?

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

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

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<v Speaker 2>so she was like, you know, like they just happened

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<v Speaker 2>to have the empty seats, and you know, she's like,

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<v Speaker 2>we always looked to see obviously to like kind of

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<v Speaker 2>reward our frequent flyers because I frequently fly with United,

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<v Speaker 2>no judgment United tubs in Newark where I lived, and

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<v Speaker 2>so they were like, you know, we upgraded you, and

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<v Speaker 2>then you know, we saw you had a party with

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<v Speaker 2>you and I was like, look it. God. So we

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<v Speaker 2>were the first four seats in the front. Ya. You

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<v Speaker 2>couldn't tell us nothing. I didn't even know. People got

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<v Speaker 2>like it was only like a three hour Like I'm like,

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<v Speaker 2>you get a whole meal. I was like, I'll take

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<v Speaker 2>the salmon and the chicken. You know. Superman was like,

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<v Speaker 2>oh my god, babe, like cause we had like you know,

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

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<v Speaker 2>your life has nothing but amazing since I married you.

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<v Speaker 2>I'm like it's been a month.

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<v Speaker 1>But don't discourage that, don't they.

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<v Speaker 2>I know, right, I'll take you. He was like, oh,

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<v Speaker 2>this vacation was awesome. Everything was just so awesome. And

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

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<v Speaker 1>I think I prefer. I don't not prefer. It's different.

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<v Speaker 1>I love traveling with friends. I just feel like you're

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

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<v Speaker 1>I feel like other couples can maybe relate to this,

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<v Speaker 1>but there's this like pressure to go on trips together

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<v Speaker 1>and like really just like have the most amazing time

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<v Speaker 1>and to be obsessed with each other. I'll be more

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<v Speaker 1>every moment of every day. But yeah, it's kind of

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<v Speaker 1>like regular life, Like you need breaks, yeah, and one

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<v Speaker 1>of he wants to do one thing, the other one

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<v Speaker 1>doesn't want to do that thing. And like when you

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<v Speaker 1>have friends, you can just like break off into groups

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<v Speaker 1>and then you have like your separate activities and you

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<v Speaker 1>come back at the end of the day. I like

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<v Speaker 1>the variety.

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<v Speaker 2>Yeah, I honestly I did. I thought because you know,

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<v Speaker 2>you think to yourself, Oh, I mean it's nice to

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<v Speaker 2>be booed up because it was you know, we had definitely.

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<v Speaker 2>We all had our boot time, but it was also

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<v Speaker 2>nice to, like you said, switch it up, like oh,

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<v Speaker 2>you know, I'm hanging with the girls, and then we

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<v Speaker 2>hang out the group and then me and Superman by ourselves,

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<v Speaker 2>you know.

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<v Speaker 1>Like I love to go to resorts too. But my

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<v Speaker 1>husband hates the water. He's like he and his brother

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<v Speaker 1>are like the two Dominicans who do not like the ocean.

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<v Speaker 1>It is the meanest trick in history. Really, Yeah, they

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<v Speaker 1>just hate they don't like the water, and I love

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<v Speaker 1>the water. And Soda is my brother in law, sister,

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

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<v Speaker 1>so we can go do beach vacations. You and I'll

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<v Speaker 1>be budied up. We can go do the water sports

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<v Speaker 1>and excursions and they can just go do their thing

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<v Speaker 1>and everyone's happy and there's no like arguing and like,

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<v Speaker 1>you know, you don't want to come to the the

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<v Speaker 1>swim with the toothless sharks with me, like you know

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<v Speaker 1>in our last vacation, which is a real fight you

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<v Speaker 1>have when you travel.

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<v Speaker 2>Yes, I mean I was because at first it was like,

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<v Speaker 2>you know, everybody was like I don't want to do

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<v Speaker 2>any excursion. I don't want to do anything. And then

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<v Speaker 2>after two days we were like, we should do an

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<v Speaker 2>excursion because we're bored. So we did a fun one.

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<v Speaker 2>It was ATVing, and and then it was like some

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<v Speaker 2>like natural springs at the end which were freezing but fun.

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<v Speaker 2>So that was a nice little break. And then it

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<v Speaker 2>was beach again. But you know cause after a while,

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<v Speaker 2>I mean, I'm not like every single day go to

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<v Speaker 2>the beach from sun up to sundown. Although I enjoyed

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

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<v Speaker 2>So your ATVing was definitely like a lot of fun.

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<v Speaker 1>I love that. I'm too afraid of the sun. I

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<v Speaker 1>get made fun of. I have an obsession with SPF.

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

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<v Speaker 1>is not kind of just say that. It is not

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<v Speaker 1>the reason I'm not one of those people. But I'm

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<v Speaker 1>really worried about skin damage and I'm trying to be

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<v Speaker 1>on my j LO game when I'm fifty. And I

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<v Speaker 1>thought she when I read this, or I can't even

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<v Speaker 1>tell you what I when I read this, but she

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<v Speaker 1>was like, my secret is spray tanning. Not that I

0:10:03.920 --> 0:10:06.120
<v Speaker 1>spray tan but spray tanning and no sun and she's

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<v Speaker 1>super golden all the time. And I was like, I

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<v Speaker 1>must learn her ways and I must not have terrible skin,

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<v Speaker 1>but also low key. My mother has had several melanoma

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<v Speaker 1>removed from her from her body, and so be on that.

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<v Speaker 1>You know what I found out. You can purchase sunscreen

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<v Speaker 1>with your FSA account. This is major, really, yes, yes,

0:10:28.840 --> 0:10:31.160
<v Speaker 1>When I discovered that, I was like, I need a

0:10:31.160 --> 0:10:31.720
<v Speaker 1>bigger bag.

0:10:32.640 --> 0:10:33.920
<v Speaker 2>So tell people what was FSA?

0:10:34.080 --> 0:10:37.280
<v Speaker 1>People like this is my favorite? My absolutely, I think

0:10:37.320 --> 0:10:39.400
<v Speaker 1>I did a brown boost for this before, which is

0:10:39.679 --> 0:10:41.600
<v Speaker 1>my favorite thing in the planet. If you have a

0:10:41.640 --> 0:10:45.040
<v Speaker 1>healthcare plan where you can get a flex savings account. Basically,

0:10:45.120 --> 0:10:47.920
<v Speaker 1>a flexible savings account is something that accompanies your health

0:10:47.920 --> 0:10:50.720
<v Speaker 1>plan and you put in money that you earn before

0:10:50.800 --> 0:10:53.440
<v Speaker 1>taxes are taken out into a little fund and then

0:10:53.440 --> 0:10:55.360
<v Speaker 1>they give you a debit card and you can use

0:10:55.480 --> 0:10:58.560
<v Speaker 1>ther FSA card anytime you pick up prescriptions, you pay

0:10:58.559 --> 0:11:03.199
<v Speaker 1>for your copays, you pick up approved over the counter medicines,

0:11:03.640 --> 0:11:08.319
<v Speaker 1>and even stuff like I mentioned sunscreen Contact solution is included.

0:11:08.800 --> 0:11:13.200
<v Speaker 1>Your prescription glasses are included. So I always get my

0:11:13.200 --> 0:11:16.439
<v Speaker 1>glasses from Warby Parker, which is which is online right,

0:11:16.480 --> 0:11:18.840
<v Speaker 1>So it's not like it's not like I go to

0:11:18.840 --> 0:11:20.840
<v Speaker 1>a doctor and I can swipe my FSA card and

0:11:20.880 --> 0:11:23.480
<v Speaker 1>I for some reason when I tried using my Sometimes

0:11:23.600 --> 0:11:26.199
<v Speaker 1>f SA cards can be annoying. They don't always work

0:11:26.200 --> 0:11:28.200
<v Speaker 1>on when you try and shop with them online. I

0:11:28.240 --> 0:11:31.080
<v Speaker 1>think because what they're not really getting the right code

0:11:31.120 --> 0:11:32.679
<v Speaker 1>or whatever is if they would if you were just

0:11:32.720 --> 0:11:35.840
<v Speaker 1>shopping at a Dwayne Read or Write Aid or something. So,

0:11:36.080 --> 0:11:38.080
<v Speaker 1>but it's also easy. I just keep my receipt and

0:11:38.080 --> 0:11:40.440
<v Speaker 1>then I submit a claim and I always get refunded

0:11:40.480 --> 0:11:44.800
<v Speaker 1>and it's no big deal. So that is, as I say,

0:11:45.040 --> 0:11:45.880
<v Speaker 1>alert for the day.

0:11:46.480 --> 0:11:49.920
<v Speaker 2>It smitty ady, that's good. I never thought about it that.

0:11:49.920 --> 0:11:51.720
<v Speaker 2>I'm like, I feel so special now because you know,

0:11:51.760 --> 0:11:54.280
<v Speaker 2>now that I'm married. I'm like, oh, like it is shirt.

0:11:55.960 --> 0:11:58.120
<v Speaker 2>I was like, let me see, I fel all keep

0:11:58.600 --> 0:12:01.040
<v Speaker 2>my insurance card is because it's a good insurance too.

0:12:01.200 --> 0:12:02.959
<v Speaker 2>I'm like, oh, I'll take that. Oh you can run

0:12:03.000 --> 0:12:07.360
<v Speaker 2>that test. No worries here, Yeah no, but you know

0:12:07.360 --> 0:12:09.840
<v Speaker 2>what I learned today, Like, well not today, but I

0:12:09.920 --> 0:12:12.320
<v Speaker 2>had to go for like blood work or whatever, like

0:12:12.360 --> 0:12:14.480
<v Speaker 2>before my insurance car came in and I wasn't even

0:12:14.480 --> 0:12:17.080
<v Speaker 2>sure if I was fully insured yet. And the woman

0:12:17.120 --> 0:12:20.000
<v Speaker 2>who was taking my blood work she was telling me

0:12:21.080 --> 0:12:23.240
<v Speaker 2>because she was like, I asked her how much is

0:12:23.240 --> 0:12:25.319
<v Speaker 2>the how much is the lab test? And she's like, oh,

0:12:25.320 --> 0:12:26.800
<v Speaker 2>I don't know. You know, they'll send you a bill.

0:12:26.840 --> 0:12:28.680
<v Speaker 2>I was like, oh. She was like, why are you

0:12:29.000 --> 0:12:30.760
<v Speaker 2>not insured? I was like, honestly, I don't even know

0:12:31.360 --> 0:12:34.280
<v Speaker 2>just yet. You know, I applied, but you know, I

0:12:34.280 --> 0:12:36.720
<v Speaker 2>don't know if it's kicked in yet. And she was like, well,

0:12:37.200 --> 0:12:39.600
<v Speaker 2>if you tell them you don't have insurance, they can

0:12:39.640 --> 0:12:42.000
<v Speaker 2>lower your bill up to seventy percent. I was like, wait,

0:12:42.000 --> 0:12:45.000
<v Speaker 2>what so I don't know if that's like lab tests

0:12:45.000 --> 0:12:48.040
<v Speaker 2>across the board, but for sure. She was just like,

0:12:48.080 --> 0:12:50.880
<v Speaker 2>you know, let them know and then negotiate down seventy

0:12:50.880 --> 0:12:52.839
<v Speaker 2>percent then you know, and she's she said, they're not

0:12:52.880 --> 0:12:54.880
<v Speaker 2>going to share that with you, but you can you

0:12:54.920 --> 0:12:57.880
<v Speaker 2>can say that, and I was just like, okay. She

0:12:57.920 --> 0:13:00.360
<v Speaker 2>actually gave me a paper where I guess they you know,

0:13:00.400 --> 0:13:04.000
<v Speaker 2>like they coached their clients and how to do so,

0:13:04.160 --> 0:13:06.800
<v Speaker 2>and I thought, wow, this is great. So I'm gonna

0:13:06.800 --> 0:13:08.640
<v Speaker 2>you know, I'm pretty sure but by the time I

0:13:08.640 --> 0:13:10.319
<v Speaker 2>get the bill, I'll have my insurance card, so I'll

0:13:10.360 --> 0:13:12.360
<v Speaker 2>be able to, like, you know, just be like, hey,

0:13:12.480 --> 0:13:14.560
<v Speaker 2>you know, I do have insurance. But I just thought

0:13:14.559 --> 0:13:16.600
<v Speaker 2>that was such a great tip to pass along about

0:13:16.720 --> 0:13:21.200
<v Speaker 2>negotiating down, because I've definitely negotiated down other hospital bills

0:13:21.240 --> 0:13:25.000
<v Speaker 2>before when I really did not have insurance altogether significantly,

0:13:25.040 --> 0:13:27.880
<v Speaker 2>I think over fifty percent. I owed at one point,

0:13:28.320 --> 0:13:30.360
<v Speaker 2>maybe like fifteen hundred dollars because I tried to die

0:13:30.360 --> 0:13:31.880
<v Speaker 2>my own hair and not knowing I was allergic to

0:13:31.880 --> 0:13:34.679
<v Speaker 2>a black hair dye, and so my face swelled up

0:13:34.760 --> 0:13:38.440
<v Speaker 2>like a balloon and I went to the emergency room

0:13:38.480 --> 0:13:40.880
<v Speaker 2>and you know, after them giving me a bend a

0:13:40.960 --> 0:13:42.920
<v Speaker 2>drill basically, and that was it. A ben a drill

0:13:42.960 --> 0:13:45.960
<v Speaker 2>and sit down. It was twelve it was twelve hundred dollars.

0:13:46.040 --> 0:13:48.440
<v Speaker 2>I nearly wept, like well, she wrote me a prescription.

0:13:48.559 --> 0:13:51.240
<v Speaker 2>I just knew it was like some special elixir from

0:13:51.280 --> 0:13:53.600
<v Speaker 2>the gods. And when I went to the pharmacy and

0:13:53.600 --> 0:13:55.600
<v Speaker 2>I was like, I have a prescription for my for

0:13:55.720 --> 0:13:58.960
<v Speaker 2>my death to my my near death experience, and she

0:13:59.000 --> 0:14:00.679
<v Speaker 2>was like, oh, go to ourset and I'm like, no, no,

0:14:00.679 --> 0:14:03.040
<v Speaker 2>I have this prescription. She's like, yeah, it's beneddro go

0:14:03.080 --> 0:14:08.520
<v Speaker 2>to all seven. I said, Ben Drill, maybe I was Leavid.

0:14:08.640 --> 0:14:10.680
<v Speaker 2>I'm like that lady could have told me. She could

0:14:10.679 --> 0:14:12.079
<v Speaker 2>have just said go home and get some beddro I

0:14:12.120 --> 0:14:14.199
<v Speaker 2>didn't know that's what they gave me the hospital. That's

0:14:14.240 --> 0:14:16.160
<v Speaker 2>so oh my god. And so when I got my

0:14:16.280 --> 0:14:18.560
<v Speaker 2>twelve hundred dollars bill, I think I talked them down

0:14:18.600 --> 0:14:23.360
<v Speaker 2>to like six or seven hundred. Yeah, around six hundred.

0:14:23.400 --> 0:14:24.520
<v Speaker 2>So I was able to talk them down.

0:14:25.520 --> 0:14:28.480
<v Speaker 1>Yeah, even if you have insurance, like it's what you're

0:14:28.520 --> 0:14:30.560
<v Speaker 1>saying that your insurance wouldn't cover the lab test. So

0:14:30.600 --> 0:14:32.720
<v Speaker 1>even though you have it and you have to pay

0:14:32.720 --> 0:14:33.640
<v Speaker 1>out of pocket.

0:14:33.840 --> 0:14:36.600
<v Speaker 2>Well I have the thing, is I So when we

0:14:36.680 --> 0:14:38.880
<v Speaker 2>got married. As soon as we got married, he went

0:14:38.920 --> 0:14:40.320
<v Speaker 2>to his HR. I was like, hey, I have a wife.

0:14:40.360 --> 0:14:42.040
<v Speaker 2>I want to put her on my insurance. And so

0:14:42.080 --> 0:14:46.720
<v Speaker 2>that was the twenty third of June, and so I

0:14:46.760 --> 0:14:48.120
<v Speaker 2>got my insurance card in mail, but it was like

0:14:48.160 --> 0:14:50.480
<v Speaker 2>I realized it was my dental insurance card. But still

0:14:50.520 --> 0:14:52.800
<v Speaker 2>his insurance is altogether. So there was just a lot

0:14:52.800 --> 0:14:54.880
<v Speaker 2>of confusion today when I was calling, like, am I insurance?

0:14:54.880 --> 0:14:56.360
<v Speaker 2>I have to go to the doctor today? You know

0:14:56.400 --> 0:14:58.800
<v Speaker 2>I have to get my lap test, and so they

0:14:58.920 --> 0:15:01.360
<v Speaker 2>were just like, h, we don't see you in the system.

0:15:01.640 --> 0:15:04.040
<v Speaker 2>So basically I know by the time I get cause

0:15:04.080 --> 0:15:07.320
<v Speaker 2>they backdated to when you first first submitted your paperwork.

0:15:07.520 --> 0:15:09.200
<v Speaker 2>So I'm pretty sure by the time I get my bill,

0:15:09.240 --> 0:15:11.080
<v Speaker 2>I should be fine. But the fact that she just

0:15:11.080 --> 0:15:13.560
<v Speaker 2>gave me that little tidbit of like, hey, you can

0:15:13.600 --> 0:15:15.840
<v Speaker 2>talk them down seventy percent if it turns out your

0:15:15.840 --> 0:15:18.040
<v Speaker 2>insurance hasn't kicked in yet. So I just kept it

0:15:18.040 --> 0:15:20.240
<v Speaker 2>in my back pocket of oh something to share with

0:15:20.280 --> 0:15:23.200
<v Speaker 2>the BA listeners. Hey, BA fan, we're gonna take a

0:15:23.280 --> 0:15:25.560
<v Speaker 2>quick break and we'll be right back.

0:15:29.240 --> 0:15:32.600
<v Speaker 1>Yeah. I think labs like anything that's really that's like

0:15:32.640 --> 0:15:35.120
<v Speaker 1>a standard thing, like a lab result, like an MRI,

0:15:36.080 --> 0:15:39.720
<v Speaker 1>a PAP smear, a mammogram. They always say that X rays.

0:15:39.960 --> 0:15:42.520
<v Speaker 1>Those are the kinds of procedures that you can really negotiate,

0:15:42.600 --> 0:15:45.400
<v Speaker 1>not just negotiate like after it's been done, but shop around.

0:15:45.840 --> 0:15:48.040
<v Speaker 1>People don't really do this, but you can shop around

0:15:48.080 --> 0:15:51.360
<v Speaker 1>in your area and call places or there's there's this

0:15:51.400 --> 0:15:53.880
<v Speaker 1>one website that I met a woman named Jennifer I

0:15:53.920 --> 0:15:55.880
<v Speaker 1>believe was her name, and she started a website called

0:15:55.920 --> 0:15:59.840
<v Speaker 1>clearhealthcost dot com and I'm gonna make sure I'm gonna

0:16:00.040 --> 0:16:01.800
<v Speaker 1>check out the name of that. But she actually was

0:16:01.840 --> 0:16:04.160
<v Speaker 1>a She was a journalist covering healthcare, and then she

0:16:04.600 --> 0:16:06.720
<v Speaker 1>did a fellowship I think the New York Times, and

0:16:06.720 --> 0:16:09.080
<v Speaker 1>part of her fellowship was creating this website because she

0:16:09.160 --> 0:16:12.520
<v Speaker 1>wanted to bring more clarity for people looking to shop

0:16:12.560 --> 0:16:15.480
<v Speaker 1>around for their healthcare, because a lot of people don't

0:16:15.520 --> 0:16:17.440
<v Speaker 1>realize that if they just go to a different zip

0:16:17.480 --> 0:16:20.040
<v Speaker 1>code or just go two blocks down the road, they

0:16:20.080 --> 0:16:24.680
<v Speaker 1>could save. And like the range of prices are like insane,

0:16:24.840 --> 0:16:27.280
<v Speaker 1>like this place will charge you know, one hundred bucks

0:16:27.320 --> 0:16:29.720
<v Speaker 1>from MRI. That place will charge two thousand dollars from MRI.

0:16:30.000 --> 0:16:32.080
<v Speaker 1>It's all over the map and there's no rhyme or

0:16:32.160 --> 0:16:34.880
<v Speaker 1>reason to it. Like that's what's frustrating about it. But

0:16:35.240 --> 0:16:38.240
<v Speaker 1>you absolutely can and should shop around if you know

0:16:38.480 --> 0:16:40.760
<v Speaker 1>you have time. Obviously, if it's non emergent and you

0:16:40.760 --> 0:16:42.760
<v Speaker 1>don't have you have time to shop around, you should

0:16:42.840 --> 0:16:47.120
<v Speaker 1>do that. Actually, I'm excited, because my excited is like

0:16:47.520 --> 0:16:49.720
<v Speaker 1>exaggerated word, but you know, I'm looking forward to trying

0:16:49.720 --> 0:16:52.520
<v Speaker 1>out my new healthcare because it comes with it comes

0:16:52.520 --> 0:16:55.840
<v Speaker 1>with a service called Compass Okay, and Compass is like

0:16:56.320 --> 0:16:59.120
<v Speaker 1>it's a company where whenever I need to go to

0:16:59.200 --> 0:17:01.480
<v Speaker 1>the doctor, I call them and they help me find

0:17:01.480 --> 0:17:03.360
<v Speaker 1>the most affordable place to go, Like they do the

0:17:03.400 --> 0:17:07.160
<v Speaker 1>work for me and my My main healthcare is United

0:17:07.160 --> 0:17:10.760
<v Speaker 1>health Care. But it's part of this new effort I

0:17:10.760 --> 0:17:15.640
<v Speaker 1>think among health care companies to make people consumers care

0:17:15.760 --> 0:17:17.879
<v Speaker 1>more about where they get their health care. Because I

0:17:17.920 --> 0:17:20.040
<v Speaker 1>don't know about you, but for most of my life,

0:17:20.080 --> 0:17:23.880
<v Speaker 1>I've had employer provided or parent parental provided health care,

0:17:24.280 --> 0:17:26.440
<v Speaker 1>and all I think about is, I'm you know, it's

0:17:26.480 --> 0:17:28.520
<v Speaker 1>going to be a thirty five dollars copay, that's going

0:17:28.560 --> 0:17:30.119
<v Speaker 1>to be ten dollars and I don't really care. I

0:17:30.200 --> 0:17:34.120
<v Speaker 1>just go wherever is open, but not really not really

0:17:34.160 --> 0:17:36.960
<v Speaker 1>thinking that the actual health care provider is charging the

0:17:36.960 --> 0:17:41.840
<v Speaker 1>insurance company a bajillion dollars for whatever I've gotten. So

0:17:42.040 --> 0:17:45.160
<v Speaker 1>by encouraging people to shop around to get the most

0:17:45.200 --> 0:17:49.359
<v Speaker 1>affordable care, insurance companies are saving money and we're saving

0:17:49.400 --> 0:17:49.840
<v Speaker 1>money too.

0:17:51.280 --> 0:17:53.320
<v Speaker 2>Yeah. Insurance is like this is so crazy. You could

0:17:53.320 --> 0:17:56.400
<v Speaker 2>tell how old you are by your conversations. Now I'm like, yes,

0:17:56.520 --> 0:17:57.919
<v Speaker 2>it's excited about get insurance.

0:17:58.000 --> 0:18:05.399
<v Speaker 1>Let's talk about deductibles. Oh so I need to do

0:18:05.440 --> 0:18:08.359
<v Speaker 1>one last health tip. Sorry, because I was going to

0:18:08.440 --> 0:18:10.959
<v Speaker 1>do this as a boost, but anyway, we're talking about it.

0:18:10.960 --> 0:18:13.679
<v Speaker 1>So now someone had told me that, you know how

0:18:13.720 --> 0:18:15.520
<v Speaker 1>if you go the doctor, you get like a bill

0:18:15.560 --> 0:18:18.520
<v Speaker 1>in the mail, and sometimes it says this is not

0:18:18.560 --> 0:18:20.240
<v Speaker 1>a bill, but then sometimes it's just a bill, and

0:18:20.280 --> 0:18:22.080
<v Speaker 1>you're like, what is this for? My insurance could have

0:18:22.160 --> 0:18:24.800
<v Speaker 1>kicked in. I've been in that position before where I've

0:18:24.840 --> 0:18:27.560
<v Speaker 1>gone for like a routine checkup and I come home

0:18:27.600 --> 0:18:30.120
<v Speaker 1>and I even sometimes when after I paid my copay

0:18:30.520 --> 0:18:33.240
<v Speaker 1>and I'll get an additional bill and I'll just pay

0:18:33.280 --> 0:18:35.199
<v Speaker 1>without thinking about it, like I'll just call them and

0:18:35.200 --> 0:18:39.760
<v Speaker 1>pay it off. Someone told me that sometimes billing offices

0:18:39.880 --> 0:18:42.320
<v Speaker 1>just send a bill to the patient and the insurance

0:18:42.359 --> 0:18:44.080
<v Speaker 1>company and just wait to see who pays them first.

0:18:46.040 --> 0:18:48.720
<v Speaker 1>I was like, say, what is this illegal? Like what?

0:18:49.480 --> 0:18:52.159
<v Speaker 1>So that just raised a little red flag in my

0:18:52.160 --> 0:18:55.200
<v Speaker 1>head because I think even if those bills say, you know,

0:18:55.280 --> 0:18:58.560
<v Speaker 1>this is not a bill, it's explanation of benefits or whatever,

0:18:58.600 --> 0:19:00.560
<v Speaker 1>it still feels like a bill. And I wonder how

0:19:00.600 --> 0:19:03.280
<v Speaker 1>many people are just paying it because they think they

0:19:03.280 --> 0:19:03.680
<v Speaker 1>owe it.

0:19:04.280 --> 0:19:06.399
<v Speaker 2>You've been surprised hospitals. I mean, these places make a

0:19:06.440 --> 0:19:10.280
<v Speaker 2>lot of mistakes. I don't figure. So when Superman had

0:19:10.280 --> 0:19:13.520
<v Speaker 2>his aneurism surgery, they sent him, I want to say,

0:19:13.600 --> 0:19:17.639
<v Speaker 2>like eighteen thousand dollars and he was like, why did

0:19:17.680 --> 0:19:19.520
<v Speaker 2>I get an eighteen thousand dollars check? If not more

0:19:19.560 --> 0:19:23.120
<v Speaker 2>than that, it was something ridiculous like and so he

0:19:23.200 --> 0:19:27.400
<v Speaker 2>called the insurance company. He called the hospital and she said, oh,

0:19:27.600 --> 0:19:29.760
<v Speaker 2>it's likely obviously for us, for your like his well,

0:19:29.800 --> 0:19:31.800
<v Speaker 2>his total surgery was nearly one hundred thousand, and I

0:19:31.840 --> 0:19:33.359
<v Speaker 2>don't know if that was like their last payment, the

0:19:33.400 --> 0:19:36.399
<v Speaker 2>insurance company, but they send it to him, and you know,

0:19:36.800 --> 0:19:38.439
<v Speaker 2>and I was like, oh, you know, you know, he

0:19:38.520 --> 0:19:40.080
<v Speaker 2>was like what do I do. I'm like, that's a

0:19:40.119 --> 0:19:42.919
<v Speaker 2>lot of money. Someone's got to come for you. But

0:19:43.040 --> 0:19:45.240
<v Speaker 2>it turns out and I kind of feel bad because

0:19:45.240 --> 0:19:46.880
<v Speaker 2>I was like, you have to return it. That man

0:19:47.000 --> 0:19:51.040
<v Speaker 2>saved your life. But it turns out the vast majority

0:19:51.040 --> 0:19:53.120
<v Speaker 2>of your patients don't, and they don't go after them.

0:19:53.600 --> 0:19:57.040
<v Speaker 2>Because when he when he you know, when he uh

0:19:57.080 --> 0:19:59.199
<v Speaker 2>because the check was in his name, so he had

0:19:59.200 --> 0:20:01.080
<v Speaker 2>to deposit in his account and then write a check

0:20:01.480 --> 0:20:03.639
<v Speaker 2>to them. And she was like wow, you know, like

0:20:03.800 --> 0:20:05.320
<v Speaker 2>she was like, most people don't give us the money

0:20:05.320 --> 0:20:07.679
<v Speaker 2>and that's just it's just a loss. And I was like,

0:20:07.720 --> 0:20:10.600
<v Speaker 2>what why she told us that earlier? What's out of

0:20:10.600 --> 0:20:13.240
<v Speaker 2>my house? But I mean, it's all good, Kara, But

0:20:13.280 --> 0:20:16.120
<v Speaker 2>I couldn't believe. Can you imagine? She's like, some people

0:20:16.119 --> 0:20:19.240
<v Speaker 2>get sixty thousand dollars fifty thousand and they just keep

0:20:19.280 --> 0:20:21.520
<v Speaker 2>it and we won't even know. She's like, you just

0:20:21.520 --> 0:20:23.680
<v Speaker 2>happen to call. We won't even know that insurance company

0:20:23.680 --> 0:20:26.359
<v Speaker 2>sends them a check. I'm like, what kind of shenanigans?

0:20:27.040 --> 0:20:27.600
<v Speaker 2>Can you imagine?

0:20:27.720 --> 0:20:30.080
<v Speaker 1>People who can do that and live? Like sleep at night?

0:20:30.600 --> 0:20:32.639
<v Speaker 1>I know that it's a loud conscience.

0:20:33.080 --> 0:20:35.000
<v Speaker 2>That's what I told him. I was like, honestly, like literally,

0:20:35.000 --> 0:20:38.400
<v Speaker 2>this man like the it wasn't about when you're if

0:20:38.400 --> 0:20:41.080
<v Speaker 2>you're annyurism was gonna burst. It was about when and

0:20:41.119 --> 0:20:43.919
<v Speaker 2>within anurism, you have about a fifteen percent chance of

0:20:43.960 --> 0:20:45.760
<v Speaker 2>making it, and then even after that, you have a

0:20:45.760 --> 0:20:48.840
<v Speaker 2>fifteen percent chance of having no damage, no brain damage,

0:20:48.880 --> 0:20:51.760
<v Speaker 2>and the fact that you are alive and kicking. And

0:20:52.040 --> 0:20:53.760
<v Speaker 2>because he was so young, a doctor was like, if

0:20:53.800 --> 0:20:56.640
<v Speaker 2>you were eighty we'd leave it, but you're thirty four,

0:20:56.800 --> 0:20:59.200
<v Speaker 2>it's going to burst and it's likely going to kill you. Helle.

0:20:59.359 --> 0:21:01.720
<v Speaker 1>If you're eighty, it's like, whatever, you lived your life,

0:21:01.760 --> 0:21:05.440
<v Speaker 1>you had a shot. We're in a line. When does

0:21:05.480 --> 0:21:08.200
<v Speaker 1>it become your worth saving versus.

0:21:08.600 --> 0:21:11.879
<v Speaker 2>Yeah, to save. If we're going to open up your

0:21:11.880 --> 0:21:13.600
<v Speaker 2>head at eighty, you were likely you're not going to

0:21:13.640 --> 0:21:15.400
<v Speaker 2>be able to wake you back up. But like at

0:21:15.400 --> 0:21:17.600
<v Speaker 2>thirty something, they were like, all right, so dude, we

0:21:17.640 --> 0:21:19.280
<v Speaker 2>want to save you. So I was like, you know,

0:21:19.480 --> 0:21:21.680
<v Speaker 2>the fact is you're living, so we're not broke.

0:21:21.520 --> 0:21:24.000
<v Speaker 1>So you're able bodied exactly for you.

0:21:24.359 --> 0:21:25.960
<v Speaker 2>So I'm glad he even turned the money. But still

0:21:26.000 --> 0:21:27.880
<v Speaker 2>it just made me think, like how many people got

0:21:27.880 --> 0:21:29.120
<v Speaker 2>these huge checks and kept it.

0:21:29.920 --> 0:21:32.160
<v Speaker 1>I lied about having only one last thing to say though,

0:21:32.200 --> 0:21:34.040
<v Speaker 1>because I meant to say this last time when you

0:21:34.080 --> 0:21:36.760
<v Speaker 1>brought up health care and getting on Superman's health care plan.

0:21:36.840 --> 0:21:39.680
<v Speaker 1>But I'm the cautionary tale because we just twiddled our

0:21:39.680 --> 0:21:41.920
<v Speaker 1>little thumbs. After we got married. I was supposed to

0:21:41.960 --> 0:21:45.560
<v Speaker 1>go on to his health care plan because it had

0:21:45.560 --> 0:21:48.280
<v Speaker 1>better benefits than what I was getting, and we just

0:21:48.280 --> 0:21:50.439
<v Speaker 1>like went on the honeymoon and came back and all

0:21:50.480 --> 0:21:52.679
<v Speaker 1>this work stuff started happening, and three months later we

0:21:52.680 --> 0:21:55.080
<v Speaker 1>were like, oh, yeah, let's do that. There's a thirty

0:21:55.160 --> 0:21:57.879
<v Speaker 1>day period when you in which you can add your

0:21:57.920 --> 0:22:01.600
<v Speaker 1>spouse to your insurance policy, and if you miss it

0:22:01.640 --> 0:22:05.760
<v Speaker 1>sucks for you, like forever, not forever, just until the

0:22:05.800 --> 0:22:09.159
<v Speaker 1>next enrollment period. So they let you. They give you

0:22:09.200 --> 0:22:11.640
<v Speaker 1>a free pass if you have like a qualifying life

0:22:11.640 --> 0:22:13.240
<v Speaker 1>event like you have a kid or you get married

0:22:13.320 --> 0:22:16.159
<v Speaker 1>or whatever, but they don't. They only give you a

0:22:16.200 --> 0:22:19.640
<v Speaker 1>certain window of time to actually make it happen. Okay,

0:22:20.800 --> 0:22:22.480
<v Speaker 1>I mean luckily I was in a position where I

0:22:22.520 --> 0:22:25.560
<v Speaker 1>have back up. Yeah, I get my own insurance anyway, So.

0:22:26.080 --> 0:22:28.919
<v Speaker 2>Girl, the next day we were like, I do Hello.

0:22:30.280 --> 0:22:32.199
<v Speaker 1>Maybe that's why I was so relaxed about it, you know,

0:22:32.400 --> 0:22:33.440
<v Speaker 1>I'm like I'm good.

0:22:35.240 --> 0:22:38.280
<v Speaker 2>Hello, Hello. Like literally, he's like, I only have the

0:22:38.320 --> 0:22:43.040
<v Speaker 2>temporary license, but can I fact that over? So I'm gonna, oh,

0:22:43.080 --> 0:22:44.080
<v Speaker 2>you gotta keep your last name?

0:22:45.080 --> 0:22:47.960
<v Speaker 1>Oh god, did my mother send you? No, I'm just

0:22:48.080 --> 0:22:49.320
<v Speaker 1>our LORI are you there.

0:22:51.920 --> 0:22:54.120
<v Speaker 2>I've been really like honestly, like, it's so weird how

0:22:54.200 --> 0:22:56.720
<v Speaker 2>Superman does not care at all. I'm like, I'm still

0:22:56.880 --> 0:23:00.520
<v Speaker 2>Tiffany A Leech and I'm I'm Tiff Smith.

0:23:00.600 --> 0:23:02.960
<v Speaker 1>That's wed a racial profile.

0:23:03.320 --> 0:23:05.920
<v Speaker 2>Yeah, and honestly, I don't want to go Timny Smith.

0:23:06.160 --> 0:23:08.120
<v Speaker 2>If I might do a Lee Chase Smith, but honestly,

0:23:08.280 --> 0:23:10.160
<v Speaker 2>it's so weird how laid back he is. He's like, yeah,

0:23:10.160 --> 0:23:11.040
<v Speaker 2>I don't you know whatever.

0:23:12.359 --> 0:23:14.080
<v Speaker 1>So'say, they don't don't really care.

0:23:14.960 --> 0:23:17.679
<v Speaker 2>Yeah, So I'm thinking Elie Chase Smith. I don't know.

0:23:17.880 --> 0:23:19.160
<v Speaker 1>That definitely sounds good.

0:23:19.440 --> 0:23:20.800
<v Speaker 2>Yeah, that's what I was saying. I kind of like

0:23:21.080 --> 0:23:23.240
<v Speaker 2>because they're both kind of shortish names, and then I

0:23:23.320 --> 0:23:24.440
<v Speaker 2>kind of feel like, if you have a kid, I

0:23:24.520 --> 0:23:25.679
<v Speaker 2>kind of don't want to be like the only one

0:23:25.760 --> 0:23:27.720
<v Speaker 2>left out, Like, oh, well, you know, Elie.

0:23:27.520 --> 0:23:30.040
<v Speaker 1>Chase Smith sounds like you're a scholar or something.

0:23:30.080 --> 0:23:34.320
<v Speaker 2>Right, Alie Chase Smith Smith. So I might do that,

0:23:34.320 --> 0:23:36.360
<v Speaker 2>but I don't even know what all that entails. I'm like, oh,

0:23:36.359 --> 0:23:37.160
<v Speaker 2>what does that entail?

0:23:37.359 --> 0:23:38.680
<v Speaker 1>Probably a big pain in your neck.

0:23:39.080 --> 0:23:41.159
<v Speaker 2>Probably. That's one of reasons why I've been like, man, I'll.

0:23:41.000 --> 0:23:42.480
<v Speaker 1>Get to it when I get you have health insurance,

0:23:42.480 --> 0:23:43.560
<v Speaker 1>you can get that checked out.

0:23:45.880 --> 0:24:00.960
<v Speaker 2>Exactly. My sister's like, you're making funt of my husband,

0:24:00.960 --> 0:24:03.239
<v Speaker 2>because that's how he says it exactly.

0:24:03.440 --> 0:24:04.720
<v Speaker 1>Oh is that who inspired that?

0:24:05.119 --> 0:24:08.760
<v Speaker 2>Yes, he's very, very very Nigerian and so he says that.

0:24:09.280 --> 0:24:11.480
<v Speaker 2>So sidebar, are you gonna go see Girl have you seen?

0:24:11.520 --> 0:24:12.920
<v Speaker 2>You haven't seen Girl Trip?

0:24:13.160 --> 0:24:16.120
<v Speaker 1>I tried. The damn Jerseyans would not let me go.

0:24:17.119 --> 0:24:19.120
<v Speaker 1>You know, we have this seat. We have a theater

0:24:19.240 --> 0:24:21.159
<v Speaker 1>really close to us, but it has that reserve seating

0:24:21.200 --> 0:24:22.960
<v Speaker 1>thing where you have you buy your tickets. Not a

0:24:23.040 --> 0:24:26.080
<v Speaker 1>bad yeah, that just means it's easier for everyone to

0:24:26.119 --> 0:24:27.560
<v Speaker 1>snap up all the seats right away.

0:24:28.080 --> 0:24:30.280
<v Speaker 2>And is it the eating one, like the one where

0:24:30.280 --> 0:24:31.480
<v Speaker 2>you can eat there that one.

0:24:31.680 --> 0:24:33.080
<v Speaker 1>No, it's not like the one where they serve you.

0:24:33.119 --> 0:24:36.359
<v Speaker 1>It's just like a it is like the nice recliners though. Okay,

0:24:36.520 --> 0:24:38.680
<v Speaker 1>but it's just a normal theater. But it's so annoying

0:24:38.720 --> 0:24:40.600
<v Speaker 1>because it's always we have to usually wait two three

0:24:40.640 --> 0:24:42.199
<v Speaker 1>weeks before a new movie comes out if it's like

0:24:42.240 --> 0:24:44.800
<v Speaker 1>really popular to go see it. So I was not

0:24:44.840 --> 0:24:46.359
<v Speaker 1>able to see it, but I saw it did. It

0:24:46.400 --> 0:24:50.640
<v Speaker 1>was a number two movie in the country Brown Girls, Yes,

0:24:50.880 --> 0:24:53.840
<v Speaker 1>and and it be you know they had that people

0:24:53.840 --> 0:24:56.280
<v Speaker 1>were calling at the chocolate and vanilla, you know, like

0:24:56.320 --> 0:24:58.359
<v Speaker 1>the there was like a vanilla Girls Trip it was

0:24:58.400 --> 0:25:01.440
<v Speaker 1>with It came out a couple weeks had Scarlett Johansson

0:25:01.640 --> 0:25:05.720
<v Speaker 1>and like, yeah, Kate McKinnon and Night Rough Night, the

0:25:05.760 --> 0:25:08.439
<v Speaker 1>Roughnee at rough Night, and they were saying like and

0:25:08.480 --> 0:25:10.040
<v Speaker 1>I feel like people were like waiting to see which

0:25:10.040 --> 0:25:11.879
<v Speaker 1>one would do better. I'm pretty sure that one bombed.

0:25:12.119 --> 0:25:14.280
<v Speaker 2>Oh no, no, yeah it did. It did not well

0:25:14.320 --> 0:25:18.560
<v Speaker 2>at all. In comparison, this one has done tremendously well.

0:25:18.600 --> 0:25:20.320
<v Speaker 1>As soon as I saw Queen Latifa, I was like, yep,

0:25:20.400 --> 0:25:22.679
<v Speaker 1>going I do. I will see anything Queen latifas in

0:25:22.760 --> 0:25:25.879
<v Speaker 1>even all the barbershops, even though they are terrible.

0:25:25.760 --> 0:25:27.400
<v Speaker 2>Kind of like a new girl in there. Her name

0:25:27.440 --> 0:25:29.960
<v Speaker 2>was Tiffany hersh or Tiffany with the H. But I've

0:25:29.960 --> 0:25:32.040
<v Speaker 2>been like reading like interviews from her and she did

0:25:32.080 --> 0:25:34.439
<v Speaker 2>Jimmy Kimmel. They're they're like, she's the c.

0:25:35.800 --> 0:25:36.560
<v Speaker 1>The funny one.

0:25:36.920 --> 0:25:40.480
<v Speaker 2>Yes, They're like she she yes, And I'm like, I'm already,

0:25:40.480 --> 0:25:42.439
<v Speaker 2>I'm here for her already. And because she told this

0:25:42.520 --> 0:25:45.320
<v Speaker 2>really funny story about her Jada Pinkett Smith and Will

0:25:45.359 --> 0:25:49.000
<v Speaker 2>Smith and how they went she because I guess they

0:25:49.000 --> 0:25:51.560
<v Speaker 2>were taking a New Orleans obviously, because the Girl's Trip

0:25:51.560 --> 0:25:55.119
<v Speaker 2>takes place at Essence Fest and like she was saying

0:25:55.160 --> 0:25:58.239
<v Speaker 2>how Jada was asking what are you doing tomorrow? She's like, Oh,

0:25:58.280 --> 0:26:00.760
<v Speaker 2>I'm going on a on a twur you know, I

0:26:00.760 --> 0:26:03.000
<v Speaker 2>got a group on and Jada's like, oh, I want

0:26:03.000 --> 0:26:05.840
<v Speaker 2>to go and she was like wait. She was still

0:26:05.840 --> 0:26:09.160
<v Speaker 2>a starstruck, like you want to go on the group? Why?

0:26:09.320 --> 0:26:11.520
<v Speaker 2>She said, me and Will? So she said, they get there,

0:26:11.560 --> 0:26:12.959
<v Speaker 2>all these people are there and they were like, what

0:26:13.000 --> 0:26:16.280
<v Speaker 2>the hell is this? And she was like, well, like

0:26:16.400 --> 0:26:17.879
<v Speaker 2>you know, like it's a trip. She said, why are

0:26:17.880 --> 0:26:19.880
<v Speaker 2>all these people here? And she was like girls a group?

0:26:19.880 --> 0:26:21.560
<v Speaker 2>Par She was like, well, what did you have a group?

0:26:22.080 --> 0:26:25.800
<v Speaker 2>She said, Jada thought group. I meant that like I

0:26:25.800 --> 0:26:27.919
<v Speaker 2>don't know that, like you you purchased the boat or

0:26:27.920 --> 0:26:30.240
<v Speaker 2>something like that, or you rend the boat. Yo, I

0:26:30.480 --> 0:26:33.080
<v Speaker 2>was wrongly. She was like, Jada and Will were like

0:26:33.080 --> 0:26:35.800
<v Speaker 2>all these people what the hell? And she was like, Jada,

0:26:35.840 --> 0:26:37.400
<v Speaker 2>I picked you up a in a twenty dollars rental car.

0:26:37.440 --> 0:26:40.919
<v Speaker 2>What the hell do you think I was? And she

0:26:41.080 --> 0:26:43.000
<v Speaker 2>was like, oh my god, the windows are not tinted.

0:26:43.000 --> 0:26:44.400
<v Speaker 2>I don't know if I feel cruftble. She said, Jada,

0:26:44.400 --> 0:26:48.120
<v Speaker 2>you forgot you from Baltimore, she said, But they ended

0:26:48.200 --> 0:26:50.160
<v Speaker 2>up having such a good time and she said. Will

0:26:50.240 --> 0:26:51.600
<v Speaker 2>was like, Yo, this was so much fun. I think

0:26:51.600 --> 0:26:52.840
<v Speaker 2>I'm gonna buy one of these. And she was like,

0:26:52.840 --> 0:26:54.320
<v Speaker 2>oh a boat. He said, no, a swamp.

0:26:54.760 --> 0:26:59.240
<v Speaker 1>And she was like, wow, why would you even think

0:26:59.240 --> 0:27:00.760
<v Speaker 1>that they knew what the group on is? I would

0:27:00.800 --> 0:27:03.560
<v Speaker 1>have been like, and here's the Urban Dictionary. Here's you know,

0:27:03.600 --> 0:27:06.679
<v Speaker 1>Webster's definition of a group on. I know, use my

0:27:06.760 --> 0:27:08.400
<v Speaker 1>login if.

0:27:08.320 --> 0:27:10.720
<v Speaker 2>You get a chance. Everybody should like, like, like, you know,

0:27:10.800 --> 0:27:13.439
<v Speaker 2>I guess, go to YouTube and just type in like uh,

0:27:13.520 --> 0:27:15.600
<v Speaker 2>Jimmy Kimmel Tiffany.

0:27:17.400 --> 0:27:17.800
<v Speaker 1>Hash.

0:27:18.040 --> 0:27:19.960
<v Speaker 2>Because it's such a funny story because first of all,

0:27:19.960 --> 0:27:23.640
<v Speaker 2>she starts off with the the epicenter of all things

0:27:24.040 --> 0:27:26.800
<v Speaker 2>brown girl, Like how you start every story? What happened was?

0:27:27.080 --> 0:27:30.120
<v Speaker 2>I said, No, she did it, Jimmy Kimmel. She said,

0:27:30.160 --> 0:27:32.679
<v Speaker 2>what happened was? And I was rolling. I said, I

0:27:32.720 --> 0:27:34.240
<v Speaker 2>love you already.

0:27:34.720 --> 0:27:37.360
<v Speaker 1>I love them tools, isn't it Jada Pink and Queen Latifa.

0:27:37.480 --> 0:27:40.800
<v Speaker 2>There's a fourth a Regita King.

0:27:41.600 --> 0:27:43.080
<v Speaker 1>Okay, I need to see it. I have got to

0:27:43.119 --> 0:27:43.520
<v Speaker 1>see it.

0:27:43.880 --> 0:27:45.680
<v Speaker 2>Yeah, I'm gonna figure out, like I'm like, do I

0:27:45.720 --> 0:27:47.280
<v Speaker 2>need to see it at ten am on a Wednesday.

0:27:47.640 --> 0:27:50.200
<v Speaker 1>I'm actually going on a girl's trip next weekend to Montreal.

0:27:51.040 --> 0:27:51.800
<v Speaker 2>Have you been before?

0:27:53.800 --> 0:27:56.119
<v Speaker 1>H No, Yes, I have been. I don't speak French,

0:27:56.160 --> 0:27:57.959
<v Speaker 1>but I have been to Montreal. I went for like

0:27:57.960 --> 0:28:00.560
<v Speaker 1>a I went for a weekend like five years ago

0:28:00.600 --> 0:28:04.560
<v Speaker 1>for a music festival. But this is a girls trip. Okay,

0:28:04.960 --> 0:28:05.800
<v Speaker 1>I'm excited.

0:28:07.080 --> 0:28:09.560
<v Speaker 2>I'm not a big fan. Oh I'm not gonna lie.

0:28:09.560 --> 0:28:11.080
<v Speaker 2>I'm not a big fan of Montreal.

0:28:11.560 --> 0:28:13.880
<v Speaker 1>What what effort did Montreal do to you?

0:28:14.520 --> 0:28:15.840
<v Speaker 2>I mean like it was alright. You know how you

0:28:15.840 --> 0:28:20.000
<v Speaker 2>go places you're like you know them. Eh, that's hard.

0:28:20.000 --> 0:28:20.760
<v Speaker 2>I thought about it.

0:28:20.960 --> 0:28:23.120
<v Speaker 1>I remember having a great time. I remember the weather

0:28:23.200 --> 0:28:26.640
<v Speaker 1>being spectacular. I rented a bike and I biked all

0:28:26.680 --> 0:28:29.640
<v Speaker 1>over that damn city. I even stole a bike because

0:28:29.680 --> 0:28:31.560
<v Speaker 1>it was before City Bike came to New York City.

0:28:31.600 --> 0:28:33.760
<v Speaker 1>I didn't know how it worked. And what happened was

0:28:34.400 --> 0:28:36.320
<v Speaker 1>I thought that you could take it to your hotel

0:28:36.359 --> 0:28:39.920
<v Speaker 1>overnight and just leave it there. I was like, surely

0:28:40.200 --> 0:28:42.480
<v Speaker 1>there's not a station near me, So that does Bess

0:28:42.560 --> 0:28:44.280
<v Speaker 1>mean that I could just park it here at my hotel?

0:28:44.320 --> 0:28:47.000
<v Speaker 1>I don't know. Like five years later, it sounds so stupid,

0:28:47.360 --> 0:28:50.360
<v Speaker 1>but sure enough, I couldn't find a doc to leave

0:28:50.400 --> 0:28:51.960
<v Speaker 1>my bike, so I just brought it to the hotel,

0:28:52.400 --> 0:28:53.880
<v Speaker 1>left it over night, and return it the next day.

0:28:53.880 --> 0:28:55.680
<v Speaker 1>But it had been like ten hours and I was

0:28:55.760 --> 0:28:59.760
<v Speaker 1>charged at seven hundred dollars for stealing a bike. But

0:29:00.200 --> 0:29:02.200
<v Speaker 1>what's funny is I called I got back to New

0:29:02.240 --> 0:29:04.680
<v Speaker 1>York and I called my credit card company, and at

0:29:04.680 --> 0:29:06.800
<v Speaker 1>the time, I still didn't know what I had done wrong.

0:29:07.160 --> 0:29:10.720
<v Speaker 1>So I was so outraged. I'm like, this is thievery.

0:29:10.920 --> 0:29:13.320
<v Speaker 1>They tricked me. There must have been a skimmer on

0:29:13.440 --> 0:29:17.840
<v Speaker 1>the on the bike share, you know, the bike share

0:29:17.880 --> 0:29:20.040
<v Speaker 1>thing like re rent the bike. And I called my

0:29:20.080 --> 0:29:21.680
<v Speaker 1>I think at the time it was Bank of America,

0:29:21.720 --> 0:29:23.720
<v Speaker 1>and bless their hearts, they were like, oh right away,

0:29:23.760 --> 0:29:25.600
<v Speaker 1>missus must be fraudulent because no one knew what a

0:29:26.120 --> 0:29:28.920
<v Speaker 1>bike share was, and it was also a foreign transaction,

0:29:29.120 --> 0:29:32.400
<v Speaker 1>so their fraud department was just like an that's gone.

0:29:32.520 --> 0:29:35.600
<v Speaker 1>So technically I like I was the fraud.

0:29:36.320 --> 0:29:38.080
<v Speaker 2>Yeah, you're like, yes, my bad.

0:29:38.320 --> 0:29:40.840
<v Speaker 1>I mean I returned it. No, I had a great time.

0:29:40.920 --> 0:29:43.400
<v Speaker 1>I remember the food being good. But anyway, this was

0:29:43.440 --> 0:29:48.400
<v Speaker 1>it's really all for my my well Okay, I'm trying

0:29:48.400 --> 0:29:49.960
<v Speaker 1>not to tell the full there's a full story. While

0:29:50.000 --> 0:29:52.160
<v Speaker 1>we're going to Montreal. It's kind of on a it's

0:29:52.200 --> 0:29:54.000
<v Speaker 1>kind of sad, but we're just turning the sad trip.

0:29:54.120 --> 0:29:58.120
<v Speaker 1>We're turning the sadness into a girl's trip, so hopefully

0:29:58.160 --> 0:30:00.960
<v Speaker 1>it'll be hopefully it'll be more fun than your trip was.

0:30:01.560 --> 0:30:03.560
<v Speaker 2>Yeah, I just want to thank like to be a

0:30:03.640 --> 0:30:05.600
<v Speaker 2>listeners just like sad By, Like you know, our last

0:30:05.880 --> 0:30:08.720
<v Speaker 2>podcast we talked about my fibroids, and like I'm just

0:30:08.760 --> 0:30:10.400
<v Speaker 2>beginning the journey. I'm like, oh, you guys are so

0:30:10.440 --> 0:30:13.760
<v Speaker 2>awesome reaching out, giving your phone numbers, naming your doctors.

0:30:13.800 --> 0:30:17.120
<v Speaker 2>And I said, okay, So honestly, I'm really like, I

0:30:17.200 --> 0:30:20.440
<v Speaker 2>joined this group on Facebook called Vegan for Beginners. I

0:30:20.480 --> 0:30:22.280
<v Speaker 2>know I'm not gonna be one of those vegans, I promise,

0:30:22.640 --> 0:30:24.120
<v Speaker 2>but I don't even know if I'm gonna.

0:30:23.880 --> 0:30:26.520
<v Speaker 1>Be vecas is a vegan. I've been thinking about it, you.

0:30:26.480 --> 0:30:28.240
<v Speaker 2>Know, and so I don't know that I'm gonna, but

0:30:28.320 --> 0:30:30.960
<v Speaker 2>I definitely have heard. Obviously meat has a lot of hormones,

0:30:31.040 --> 0:30:35.240
<v Speaker 2>and the higher your hormones, like like fibroids, apparently, you know,

0:30:35.320 --> 0:30:38.840
<v Speaker 2>thrive off like higher hormone levels, and so I'm definitely

0:30:39.680 --> 0:30:42.240
<v Speaker 2>just open to I've been no but to changing my

0:30:42.280 --> 0:30:45.000
<v Speaker 2>diet anyway. So I'm just like, Okay, I don't know

0:30:45.040 --> 0:30:48.440
<v Speaker 2>that I'll be like completely vegan, but I definitely want

0:30:48.480 --> 0:30:52.880
<v Speaker 2>to adopt a diet that's going to, you know, help

0:30:52.960 --> 0:30:56.320
<v Speaker 2>with this and also stress. I heard is like you know,

0:30:56.440 --> 0:31:02.320
<v Speaker 2>a big like like really of exacerbates your your fibrate situation.

0:31:03.520 --> 0:31:06.080
<v Speaker 2>Something called live cultures, which are like probiotics, which are

0:31:06.120 --> 0:31:08.240
<v Speaker 2>like I'm like really because I freaking love Greek yogurt,

0:31:08.760 --> 0:31:10.720
<v Speaker 2>I love like olives, all these things that they're like,

0:31:10.720 --> 0:31:11.880
<v Speaker 2>oh yeah, girl, no, I'm.

0:31:11.760 --> 0:31:16.840
<v Speaker 1>Like really wait those apparently.

0:31:15.200 --> 0:31:16.920
<v Speaker 2>Well this is what someone wrote me. I don't know

0:31:16.960 --> 0:31:19.520
<v Speaker 2>for sure, you know, you have everyone always has something that.

0:31:19.440 --> 0:31:20.240
<v Speaker 1>They did share.

0:31:20.360 --> 0:31:22.680
<v Speaker 2>I'm already tired, I know, so I just said, you

0:31:22.680 --> 0:31:24.840
<v Speaker 2>know what, but I read this really great article and

0:31:24.880 --> 0:31:28.680
<v Speaker 2>they basically were like, like, you know, go speak with

0:31:28.720 --> 0:31:31.800
<v Speaker 2>your doctor, find a doctor, and maybe even if it's

0:31:31.800 --> 0:31:34.120
<v Speaker 2>a cluster of doctors that you trust, and then work

0:31:34.160 --> 0:31:36.240
<v Speaker 2>from there. But I mean, in general, it's never a

0:31:36.240 --> 0:31:38.640
<v Speaker 2>bad thing to eat, right, So that's something that I

0:31:38.720 --> 0:31:40.880
<v Speaker 2>want to do in general, But at the end of

0:31:40.880 --> 0:31:42.560
<v Speaker 2>the day, I'm going to like really sit down and

0:31:43.120 --> 0:31:45.760
<v Speaker 2>find some doctors that I really trust and that understand

0:31:45.760 --> 0:31:49.560
<v Speaker 2>and really that their focus is this, you know, like

0:31:50.120 --> 0:31:52.920
<v Speaker 2>women and their like reproductive systems, and then just really

0:31:52.960 --> 0:31:54.240
<v Speaker 2>like see like what can be done.

0:31:54.320 --> 0:31:58.760
<v Speaker 1>You know. Yeah. Yeah recap though for people who don't

0:31:58.760 --> 0:32:01.320
<v Speaker 1>know what you're talking about the brid situation.

0:32:02.120 --> 0:32:03.959
<v Speaker 2>So yeah, I found out like I was like, oh,

0:32:04.000 --> 0:32:06.560
<v Speaker 2>I should got to like you know obgy n. I mean,

0:32:06.640 --> 0:32:08.520
<v Speaker 2>like I'm grown, so like I was like, never I

0:32:08.600 --> 0:32:10.520
<v Speaker 2>was going to my regular doctor, but I wasn't going

0:32:10.800 --> 0:32:12.880
<v Speaker 2>and I never had like any issues. It wasn't like,

0:32:12.920 --> 0:32:16.440
<v Speaker 2>you know, I will always get my regular like you know, checkups,

0:32:16.440 --> 0:32:19.160
<v Speaker 2>like I said, and but I went and I always

0:32:19.200 --> 0:32:21.520
<v Speaker 2>had like this little pouch, but not always. I would

0:32:21.520 --> 0:32:23.160
<v Speaker 2>say the last maybe like five or six years, I

0:32:23.200 --> 0:32:25.000
<v Speaker 2>had this little pouch on my belly and I couldn't

0:32:25.000 --> 0:32:27.120
<v Speaker 2>figure out why because I'm like, hmm, you know, like

0:32:27.160 --> 0:32:28.960
<v Speaker 2>my stomach is fairly flat. And I would always complain

0:32:29.000 --> 0:32:31.040
<v Speaker 2>to Superman and he'd be like, I don't see a belly.

0:32:31.040 --> 0:32:33.480
<v Speaker 2>I'm like, I have one. I can't do anything about it, damnit.

0:32:33.680 --> 0:32:34.720
<v Speaker 1>He's like, yeah, it was a trap.

0:32:35.280 --> 0:32:38.880
<v Speaker 2>Yeah, I was always wearing like if you've seen me,

0:32:39.080 --> 0:32:42.719
<v Speaker 2>like typically most of my speaking outfits are pretty fitted,

0:32:42.920 --> 0:32:44.400
<v Speaker 2>so you probably like, tip, I never see the belly.

0:32:44.440 --> 0:32:47.280
<v Speaker 2>I'm like, uh SPANX and like you know, so I

0:32:47.360 --> 0:32:50.200
<v Speaker 2>always always always wore. My sisters would tease me because

0:32:50.240 --> 0:32:52.160
<v Speaker 2>even when I was like, like, I'm like I would

0:32:52.160 --> 0:32:54.520
<v Speaker 2>say medium size now, but even when I was small,

0:32:54.920 --> 0:32:57.720
<v Speaker 2>I would still wear like some sort of control top

0:32:57.760 --> 0:32:59.000
<v Speaker 2>and they're like, what the hell tip me, and you're

0:32:59.040 --> 0:33:01.400
<v Speaker 2>like a size for and I would always be like no,

0:33:01.920 --> 0:33:03.840
<v Speaker 2>like you know, I just have this little belly I

0:33:03.840 --> 0:33:05.479
<v Speaker 2>can't get rid of. So I guess it turns out

0:33:05.480 --> 0:33:07.240
<v Speaker 2>it was five boids. I don't know how. I never

0:33:07.280 --> 0:33:10.719
<v Speaker 2>figured that out before, but apparently now. I don't know

0:33:10.920 --> 0:33:13.000
<v Speaker 2>how large they were now, but they're fairly large. I

0:33:13.040 --> 0:33:15.240
<v Speaker 2>don't She never told me, like, she never gave me

0:33:15.280 --> 0:33:19.240
<v Speaker 2>a comparison like to what but three large five boids,

0:33:19.280 --> 0:33:21.360
<v Speaker 2>And I was like, yikes, and there're so five boards

0:33:21.400 --> 0:33:26.160
<v Speaker 2>are non cancerous tumors and and you're like your uterus walls,

0:33:26.240 --> 0:33:28.560
<v Speaker 2>So your uterine walls I guess they call, and so

0:33:29.000 --> 0:33:31.200
<v Speaker 2>basically they can you know, it can prevent you from

0:33:31.240 --> 0:33:34.520
<v Speaker 2>having kids, or if you do get pregnant, you're you're

0:33:34.560 --> 0:33:37.400
<v Speaker 2>more of risk for like miscarriages. And it doesn't mean

0:33:37.400 --> 0:33:39.440
<v Speaker 2>that like lots of women have kids with five words,

0:33:39.480 --> 0:33:41.920
<v Speaker 2>but it's just you want to be mindful of these things,

0:33:42.000 --> 0:33:45.040
<v Speaker 2>especially if you're wanting to have kids. And you know,

0:33:45.160 --> 0:33:48.760
<v Speaker 2>so five boys, it's still a kind of a mystery

0:33:49.120 --> 0:33:51.840
<v Speaker 2>as to why they grow, what makes them grow, what

0:33:52.000 --> 0:33:55.520
<v Speaker 2>makes them shrink. So you know, I'm just kind of

0:33:55.560 --> 0:33:58.400
<v Speaker 2>like exploring that. You know that, it's it's been a

0:33:58.400 --> 0:34:00.880
<v Speaker 2>part of my family history. I'm just kind of like

0:34:00.920 --> 0:34:04.440
<v Speaker 2>figuring out, like, you know, what what direction do I

0:34:04.520 --> 0:34:07.160
<v Speaker 2>going till the doctor, Well, the second doctor I went to,

0:34:07.160 --> 0:34:08.680
<v Speaker 2>it was like, oh he was a man. He was like, oh,

0:34:08.760 --> 0:34:10.120
<v Speaker 2>right away, we all take care of these. We got

0:34:10.120 --> 0:34:13.000
<v Speaker 2>to schedule some surgery. And I was like, oh, like

0:34:13.160 --> 0:34:16.879
<v Speaker 2>that's pretty you know that's because you can you can

0:34:17.000 --> 0:34:19.800
<v Speaker 2>have surgery and then end up messing up your uterus

0:34:19.800 --> 0:34:21.759
<v Speaker 2>and not being able to have kids. And I'm like, uh,

0:34:21.840 --> 0:34:25.560
<v Speaker 2>before we explore that option, I'm not fifty one of

0:34:25.560 --> 0:34:28.399
<v Speaker 2>those things exactly. So I'm just like, hold up, wait

0:34:28.400 --> 0:34:31.719
<v Speaker 2>a minute, exactly. So I'm just like, you know, so

0:34:31.840 --> 0:34:34.839
<v Speaker 2>I'm really just trying to explore what are my options,

0:34:35.280 --> 0:34:38.400
<v Speaker 2>you know, Like, I'm not opposed to surgery, but I

0:34:38.440 --> 0:34:40.839
<v Speaker 2>don't want to put myself in a position to not

0:34:41.480 --> 0:34:43.640
<v Speaker 2>at least try. I'm not gonna lie. I'm still on

0:34:43.640 --> 0:34:45.600
<v Speaker 2>the fence about kids. I'm not like, yes, I have

0:34:45.719 --> 0:34:47.719
<v Speaker 2>to be a mom. I'm kind of like, I want

0:34:47.719 --> 0:34:50.120
<v Speaker 2>to try and if I have kids, great. But I'm

0:34:50.120 --> 0:34:51.759
<v Speaker 2>not someone who's like, if I don't have kids, I'm

0:34:51.760 --> 0:34:53.400
<v Speaker 2>definitely adopted because I want to be a mom no

0:34:53.440 --> 0:34:55.480
<v Speaker 2>matter what. I don't feel that way. I'm just kind

0:34:55.480 --> 0:34:57.840
<v Speaker 2>of like, I want to try and if I have kids, great,

0:34:57.840 --> 0:35:00.440
<v Speaker 2>and if I don't, will I be disappointed? Yeah, but

0:35:01.680 --> 0:35:04.080
<v Speaker 2>it's not my first it's not you know what I mean.

0:35:04.160 --> 0:35:06.239
<v Speaker 2>Like I always thought that something was gonna click in

0:35:06.280 --> 0:35:07.480
<v Speaker 2>me and I'd be like, I want to be a

0:35:07.480 --> 0:35:09.920
<v Speaker 2>mom no matter what. And that has not clicked. Oh,

0:35:10.000 --> 0:35:12.359
<v Speaker 2>I'm thirty seven, so it's not like, oh, because people

0:35:12.360 --> 0:35:15.040
<v Speaker 2>told me, wait till your mid thirties, it'll click. It hasn't.

0:35:15.840 --> 0:35:19.800
<v Speaker 1>Really people. I'm surprised because people that are older people

0:35:19.840 --> 0:35:21.920
<v Speaker 1>I know who waited to have kids when they were older,

0:35:22.840 --> 0:35:25.400
<v Speaker 1>universally have told me I wish I had done this earlier,

0:35:25.760 --> 0:35:27.960
<v Speaker 1>and I should actually have been taking a poll as

0:35:28.000 --> 0:35:29.440
<v Speaker 1>to why they wish. I don't know if it was

0:35:29.480 --> 0:35:34.120
<v Speaker 1>because their bodies or their workload or what, but that

0:35:34.400 --> 0:35:38.680
<v Speaker 1>and I just saw Mindy Kaling not to Mindy Kaling's pregnant. Yeah,

0:35:38.760 --> 0:35:40.640
<v Speaker 1>And I read an interview she gave and she's like, yeah,

0:35:40.840 --> 0:35:42.360
<v Speaker 1>so everyone told me to have a kid, just do

0:35:42.400 --> 0:35:44.360
<v Speaker 1>it sooner than later, and so she just kind of

0:35:44.480 --> 0:35:46.440
<v Speaker 1>like had one. And now I'm thinking, should I just

0:35:46.480 --> 0:35:46.920
<v Speaker 1>have one?

0:35:47.360 --> 0:35:50.680
<v Speaker 2>Just yeah, I don't, I know. Honestly, it's I'll say

0:35:50.719 --> 0:35:54.080
<v Speaker 2>this like my my my best friend has a two

0:35:54.200 --> 0:35:55.920
<v Speaker 2>year old, my sister has a one and a half year old,

0:35:55.960 --> 0:35:57.399
<v Speaker 2>and also a four month old.

0:35:57.800 --> 0:35:58.480
<v Speaker 1>It is.

0:36:00.040 --> 0:36:02.080
<v Speaker 2>Disruptive to say.

0:36:01.920 --> 0:36:04.800
<v Speaker 1>That it seems terrible. No say to all you moms

0:36:04.800 --> 0:36:06.839
<v Speaker 1>out there, I'm sure it's very fulfilling, but you guys

0:36:06.840 --> 0:36:07.800
<v Speaker 1>need look awful.

0:36:08.200 --> 0:36:10.200
<v Speaker 2>But I mean, honestly, like I'll say this like, oh

0:36:10.320 --> 0:36:13.880
<v Speaker 2>my god, my nephew, my godson, my niece. I'm not

0:36:13.920 --> 0:36:15.440
<v Speaker 2>gonna lie when I have a bad if I'm having

0:36:15.520 --> 0:36:17.040
<v Speaker 2>like like if today was like say a like super

0:36:17.040 --> 0:36:19.000
<v Speaker 2>bad day, I would be like all right. After we

0:36:19.000 --> 0:36:20.680
<v Speaker 2>get off the podcast, I'm actually just gonna go to

0:36:20.719 --> 0:36:23.600
<v Speaker 2>my sister's house and literally just soaking the love and

0:36:23.640 --> 0:36:26.920
<v Speaker 2>the pure spirits like that they are, because that's how

0:36:27.400 --> 0:36:31.160
<v Speaker 2>awesome it is to be around them. And then poop time,

0:36:31.239 --> 0:36:33.640
<v Speaker 2>d'd be changed it time to go to sleep. I'm

0:36:33.640 --> 0:36:36.239
<v Speaker 2>mad at everybody. I won't eat, so you're like, oh,

0:36:36.800 --> 0:36:40.279
<v Speaker 2>aside from Auntie lovetime, there's this other part where my

0:36:40.320 --> 0:36:42.160
<v Speaker 2>sister literally what I call her all I hear her

0:36:42.160 --> 0:36:45.680
<v Speaker 2>say is Roman, Roman, Roman, Roman, Roman, don't hear your

0:36:45.680 --> 0:36:48.080
<v Speaker 2>sister Roman, don't bite her toes, Roman, don't eat that?

0:36:48.600 --> 0:36:51.120
<v Speaker 2>And I'm like, what's that mean? While Roman's only wanted

0:36:51.200 --> 0:36:55.600
<v Speaker 2>a half and I'm like, he's a terror. A cute terror,

0:36:55.600 --> 0:36:59.040
<v Speaker 2>but a terror. It's very disruptive because I remember before

0:36:59.080 --> 0:37:01.360
<v Speaker 2>telling her, like I had asked her to do me

0:37:01.400 --> 0:37:03.120
<v Speaker 2>a favor and I was like, well, why did you

0:37:03.160 --> 0:37:05.759
<v Speaker 2>do it? She's like, I'm on with a one year

0:37:05.800 --> 0:37:08.680
<v Speaker 2>old and a four month old, and I was like,

0:37:08.719 --> 0:37:10.600
<v Speaker 2>it can't be that hard, and then I baby said,

0:37:10.600 --> 0:37:14.239
<v Speaker 2>and I was like, please save me. I was so

0:37:14.400 --> 0:37:16.520
<v Speaker 2>exhausted and I couldn't. You can't sleep, what are you

0:37:16.520 --> 0:37:18.279
<v Speaker 2>gonna do? Sleep? And let the kids be up while

0:37:18.280 --> 0:37:21.160
<v Speaker 2>they destroy themselves, like I don't even know how she

0:37:21.200 --> 0:37:23.920
<v Speaker 2>does it, Like sometimes the baby she only get two

0:37:24.000 --> 0:37:26.759
<v Speaker 2>nights three hours worth of sleep and now she's back

0:37:26.800 --> 0:37:27.200
<v Speaker 2>at work.

0:37:27.920 --> 0:37:29.320
<v Speaker 1>And God made them cute.

0:37:29.840 --> 0:37:34.440
<v Speaker 2>Yes, I really believe that God made kids really cute,

0:37:34.840 --> 0:37:37.680
<v Speaker 2>because if not, I don't even know if people would

0:37:37.760 --> 0:37:40.680
<v Speaker 2>keep them because it's a lot. So I'll say this

0:37:40.760 --> 0:37:42.000
<v Speaker 2>that you know, I know people say, oh I wish

0:37:42.000 --> 0:37:43.719
<v Speaker 2>I would have had them earlier or whatever, But have

0:37:43.880 --> 0:37:46.440
<v Speaker 2>them when you're ready, because know that your life is

0:37:46.480 --> 0:37:49.919
<v Speaker 2>not gonna be the same ever again in a good

0:37:49.920 --> 0:37:51.839
<v Speaker 2>way and also in a disruptive way.

0:37:51.920 --> 0:37:55.200
<v Speaker 1>Quite honestly, it's kind of like how I feel how

0:37:55.239 --> 0:37:57.560
<v Speaker 1>I felt when I went hang gliding in Brazil. Stay

0:37:57.600 --> 0:38:01.200
<v Speaker 1>with me on this analogy thing. It was the hardest

0:38:01.239 --> 0:38:03.040
<v Speaker 1>thing I've ever done, and I've jumped out of planes

0:38:03.080 --> 0:38:05.200
<v Speaker 1>and all kinds of stuff, because you literally have to

0:38:05.320 --> 0:38:09.440
<v Speaker 1>work against all of your human instincts by like propelling,

0:38:09.560 --> 0:38:12.200
<v Speaker 1>like running, getting a running start, and then continuing to

0:38:12.280 --> 0:38:14.520
<v Speaker 1>run and keep running and then jump off a cliff.

0:38:15.000 --> 0:38:17.040
<v Speaker 1>And the whole time you're like, this is terrible, this

0:38:17.120 --> 0:38:18.560
<v Speaker 1>is stupid. Why am I doing this? And you have

0:38:18.600 --> 0:38:20.120
<v Speaker 1>to like get it. That's what I feel like having

0:38:20.160 --> 0:38:22.360
<v Speaker 1>a kid is like when you have to like decide

0:38:22.400 --> 0:38:25.880
<v Speaker 1>to do it. You know, it's like you're going against

0:38:25.880 --> 0:38:27.920
<v Speaker 1>you have all these reasons why not in front of you,

0:38:27.960 --> 0:38:29.560
<v Speaker 1>and you have to keep just like barreling through it

0:38:29.600 --> 0:38:31.360
<v Speaker 1>and just jump off the cliff and then it's fun

0:38:31.520 --> 0:38:33.200
<v Speaker 1>or you die.

0:38:33.920 --> 0:38:36.480
<v Speaker 2>Like I said, it's both super awesome and super I

0:38:36.520 --> 0:38:39.040
<v Speaker 2>think I'm going to kill myself, I think, so I try.

0:38:39.320 --> 0:38:41.640
<v Speaker 2>I try my best to like go over, like it'll

0:38:41.680 --> 0:38:43.000
<v Speaker 2>be crazy. She'd be like, oh, I got I got

0:38:43.000 --> 0:38:44.960
<v Speaker 2>your mail from mommy and Daddy's house. And I'm like, okay,

0:38:45.000 --> 0:38:48.640
<v Speaker 2>I'll come get it without the bail. I'll come get

0:38:48.640 --> 0:38:50.160
<v Speaker 2>it and I'll be giving like roaming a hug and

0:38:50.200 --> 0:38:54.200
<v Speaker 2>Amelia kids, and she's either asleep or in the shower.

0:38:55.760 --> 0:38:56.560
<v Speaker 1>She's like trapped.

0:38:57.160 --> 0:39:00.480
<v Speaker 2>Yeah, So now I just know, like she knows, do

0:39:00.480 --> 0:39:02.239
<v Speaker 2>you have anything to do after this? No. Last time

0:39:02.239 --> 0:39:04.239
<v Speaker 2>I turned around, she literally just got into her bed,

0:39:04.280 --> 0:39:04.719
<v Speaker 2>and I was.

0:39:04.680 --> 0:39:08.520
<v Speaker 1>Like, oh, so, so I guess it just me and

0:39:08.560 --> 0:39:09.000
<v Speaker 1>you can't.

0:39:09.600 --> 0:39:11.480
<v Speaker 2>And so it just made me realize, like, wow, I

0:39:11.520 --> 0:39:13.200
<v Speaker 2>need to come over more often just to relieve her,

0:39:13.400 --> 0:39:14.920
<v Speaker 2>even it's just for an hour and a half if

0:39:14.960 --> 0:39:18.480
<v Speaker 2>you know new moms or even if they have two

0:39:18.520 --> 0:39:20.600
<v Speaker 2>of the kids and let those kids have a baby

0:39:20.600 --> 0:39:21.919
<v Speaker 2>city age, go releave them.

0:39:22.440 --> 0:39:26.200
<v Speaker 1>Yeah just an hour or something. Yes, if you're good

0:39:26.200 --> 0:39:28.319
<v Speaker 1>with kids. Otherwise people like me stay home.

0:39:29.000 --> 0:39:33.279
<v Speaker 2>Just send money, send money or give them like your

0:39:33.320 --> 0:39:35.840
<v Speaker 2>next gift. Give them like the gift of a babysitter.

0:39:36.520 --> 0:39:38.200
<v Speaker 1>I did. I sent my girlfriend a gift them a

0:39:38.239 --> 0:39:40.600
<v Speaker 1>massage and like a gift to a hair salon, like

0:39:40.640 --> 0:39:42.239
<v Speaker 1>a salon where she can get like a massage or

0:39:42.280 --> 0:39:44.839
<v Speaker 1>hair for her baby shower. Gift was that petty? I

0:39:44.880 --> 0:39:46.840
<v Speaker 1>was like, babies, don't she doesn't need more baby clothes?

0:39:47.640 --> 0:39:51.960
<v Speaker 2>Yeah, no, I think a massage or a break. Honestly,

0:39:52.080 --> 0:39:53.560
<v Speaker 2>I swear that I one of the things I'm looking for.

0:39:53.600 --> 0:39:56.000
<v Speaker 2>It is like a really good babysitter, Like so that

0:39:56.120 --> 0:39:58.040
<v Speaker 2>way I can like gift my sister like in the

0:39:58.080 --> 0:40:00.279
<v Speaker 2>area where we live in and to just to gift

0:40:00.280 --> 0:40:03.120
<v Speaker 2>her like, Okay, I'm gifting you married for the afternoon

0:40:03.160 --> 0:40:05.120
<v Speaker 2>so you can like, you know, lay down.

0:40:06.719 --> 0:40:07.320
<v Speaker 1>That's sweet.

0:40:07.680 --> 0:40:09.680
<v Speaker 2>Yeah, I'm gonna look. So I'm like any apb out

0:40:09.719 --> 0:40:11.800
<v Speaker 2>anybody know a good babysitter or Newark you know who's

0:40:11.800 --> 0:40:13.800
<v Speaker 2>not crazy or like it doesn't eat kids.

0:40:14.280 --> 0:40:16.560
<v Speaker 1>Let me know that is a high bar.

0:40:19.280 --> 0:40:22.080
<v Speaker 2>You don't eat kids. You're not a murderer, you're not crazy.

0:40:22.600 --> 0:40:37.320
<v Speaker 2>Let me know. It's time for do we have a

0:40:37.440 --> 0:40:38.920
<v Speaker 2>name the segment? What do we call this?

0:40:39.400 --> 0:40:46.600
<v Speaker 1>Questions? Okay, you don't even know her email yet, you

0:40:46.640 --> 0:40:49.120
<v Speaker 1>can't possibly remember the segment a segment name?

0:40:50.239 --> 0:40:55.480
<v Speaker 2>No way for questions? So yes, do we have any questions?

0:40:55.520 --> 0:40:56.160
<v Speaker 2>I know we do?

0:40:56.880 --> 0:40:59.600
<v Speaker 1>Okay, yes, today our question is and remember you guys,

0:40:59.640 --> 0:41:03.200
<v Speaker 1>We're gonna do a special student loan episode in August.

0:41:03.239 --> 0:41:05.479
<v Speaker 1>So I've gotten a lot of questions from you guys

0:41:05.480 --> 0:41:08.120
<v Speaker 1>on student loan debt. If you have student loan det questions,

0:41:08.120 --> 0:41:11.120
<v Speaker 1>you can email us at Brown Ambition Podcast at gmail

0:41:11.160 --> 0:41:14.759
<v Speaker 1>dot com or go to Bronambition podcast dot com and

0:41:14.800 --> 0:41:18.960
<v Speaker 1>select to ask us anything tab. So the question for

0:41:19.040 --> 0:41:23.040
<v Speaker 1>today's show is from Lisitor LaToya, and my heart is

0:41:23.080 --> 0:41:25.840
<v Speaker 1>like breaking for her. Here's her question. I'm gonna have

0:41:25.920 --> 0:41:28.600
<v Speaker 1>to shorten it a little bit, but I'll get the

0:41:28.600 --> 0:41:32.080
<v Speaker 1>gist of it. LaToya says, I'm typing through my tears

0:41:32.160 --> 0:41:35.120
<v Speaker 1>right now. I am beyond frustrated. But in the midst

0:41:35.160 --> 0:41:38.399
<v Speaker 1>of gathering myself and I thought of the two of you.

0:41:39.040 --> 0:41:41.480
<v Speaker 1>The most precious day of my life is haunted by

0:41:41.560 --> 0:41:44.120
<v Speaker 1>bad debt. I gave birth to my daughter, Taylor in

0:41:44.160 --> 0:41:46.879
<v Speaker 1>twenty fifteen. At the time, I was a single mom,

0:41:46.920 --> 0:41:49.040
<v Speaker 1>and I signed up for every new parent class I

0:41:49.080 --> 0:41:52.080
<v Speaker 1>could find. I'm thirty three years old, and I'm fortunate

0:41:52.200 --> 0:41:54.640
<v Speaker 1>enough to earn a good salary and have decent healthcare.

0:41:55.000 --> 0:41:57.080
<v Speaker 1>But after I gave birth to my daughter, even with

0:41:57.120 --> 0:42:00.400
<v Speaker 1>that healthcare, I've been hit with almost eight thousand dollars

0:42:00.400 --> 0:42:03.920
<v Speaker 1>in medical bills. They don't offer any sort of centralized

0:42:03.960 --> 0:42:06.680
<v Speaker 1>billing department, so I've been I've spent the last two

0:42:06.800 --> 0:42:10.720
<v Speaker 1>years getting all separate bills and notifications from every person

0:42:10.800 --> 0:42:14.439
<v Speaker 1>in practice that played a role in my delivery. Yeah,

0:42:14.480 --> 0:42:17.560
<v Speaker 1>you can relate to that. Probably a hospital visit and

0:42:17.600 --> 0:42:20.840
<v Speaker 1>you get so many different bills. So here she is

0:42:20.880 --> 0:42:23.480
<v Speaker 1>with eight thousand dollars in medical bills from all different

0:42:24.000 --> 0:42:28.839
<v Speaker 1>facets of her delivery process. So it's twenty sixteen, this

0:42:28.880 --> 0:42:30.719
<v Speaker 1>is a year after the birth, and I finally got

0:42:30.719 --> 0:42:33.160
<v Speaker 1>a hold of someone in their billing department that outlined

0:42:33.200 --> 0:42:36.680
<v Speaker 1>all the outstanding bills that she could see from my understanding,

0:42:36.760 --> 0:42:40.480
<v Speaker 1>I settled all the debt associated with my delivery. Since then,

0:42:40.680 --> 0:42:43.719
<v Speaker 1>cut to now, I've since moved to Texas and I'm

0:42:43.719 --> 0:42:46.960
<v Speaker 1>in the process of building homes. But nine months into

0:42:47.040 --> 0:42:49.680
<v Speaker 1>building the house, I'm a few weeks away from closing.

0:42:49.880 --> 0:42:53.719
<v Speaker 1>Today I received several alerts on my Fico account. It

0:42:53.800 --> 0:42:57.200
<v Speaker 1>turns out four medical bills were reported and have dropped

0:42:57.200 --> 0:43:00.680
<v Speaker 1>my score an average of fifty six points. I'm furious

0:43:00.719 --> 0:43:04.279
<v Speaker 1>and I don't understand how this happened, no warning, no communication.

0:43:04.760 --> 0:43:09.280
<v Speaker 1>What are my options? And here's sort of an epilogue.

0:43:09.360 --> 0:43:13.120
<v Speaker 1>She says, I verified the creditor had my North Carolina address,

0:43:13.200 --> 0:43:15.359
<v Speaker 1>so she's from her North Carolina originally and now she's

0:43:15.400 --> 0:43:18.399
<v Speaker 1>in Texas and my old phone number. But they said

0:43:18.440 --> 0:43:21.319
<v Speaker 1>it was my responsibility to update them. But how did

0:43:21.320 --> 0:43:23.440
<v Speaker 1>I note? How could I have known to update them

0:43:23.480 --> 0:43:26.560
<v Speaker 1>if I didn't know these bills existed? What should I do?

0:43:28.120 --> 0:43:29.720
<v Speaker 2>And how old is this debt?

0:43:30.120 --> 0:43:32.520
<v Speaker 1>This is only from twenty fifteen, so it's a couple.

0:43:32.320 --> 0:43:34.440
<v Speaker 2>Of Oh, okay, so it's not like it's not like

0:43:34.520 --> 0:43:35.640
<v Speaker 2>this debt has expired.

0:43:36.280 --> 0:43:38.880
<v Speaker 1>Yeah, So she's saying that. She says that she had

0:43:38.880 --> 0:43:41.200
<v Speaker 1>this eight thousand dollars debt it was from. She was

0:43:41.239 --> 0:43:43.400
<v Speaker 1>getting separate bills for all these little things that added

0:43:43.480 --> 0:43:45.360
<v Speaker 1>up to eight thousand dollars. And so she called the

0:43:45.360 --> 0:43:48.120
<v Speaker 1>hospital building office to say, can you just tell me

0:43:48.200 --> 0:43:50.839
<v Speaker 1>everything I owe and I'll go ahead and pay everything now.

0:43:51.080 --> 0:43:53.920
<v Speaker 1>And she said she thought everything was settled, but apparently

0:43:53.960 --> 0:43:56.760
<v Speaker 1>there were these four outstanding bills that were not settled,

0:43:57.120 --> 0:43:59.960
<v Speaker 1>and that's what So basically she moved and wasn't getting

0:44:00.080 --> 0:44:03.960
<v Speaker 1>her bills anymore. I don't know. Yeah, the hospital or

0:44:04.000 --> 0:44:06.800
<v Speaker 1>the debt collector didn't have her new address and stuff.

0:44:08.280 --> 0:44:12.600
<v Speaker 2>So honestly, the only thing I would think that you

0:44:12.600 --> 0:44:16.759
<v Speaker 2>can do now is to try to negotiate with the

0:44:16.800 --> 0:44:19.800
<v Speaker 2>debt collectors that you owe to get them to remove

0:44:19.840 --> 0:44:21.719
<v Speaker 2>these things if you pay them.

0:44:22.160 --> 0:44:25.000
<v Speaker 1>I wonder if it's the hospital that's pursuing the debt

0:44:25.120 --> 0:44:27.000
<v Speaker 1>or if they've already sold the debt, because it hasn't

0:44:27.080 --> 0:44:29.960
<v Speaker 1>quite been I mean, this debt happened in twenty fifteen,

0:44:30.000 --> 0:44:32.879
<v Speaker 1>but she settled it in twenty sixteen, so it may

0:44:32.880 --> 0:44:37.200
<v Speaker 1>be even less than a year since since she settled

0:44:37.200 --> 0:44:39.880
<v Speaker 1>those debts. So I don't it depends on who owns it,

0:44:39.920 --> 0:44:42.160
<v Speaker 1>but maybe she could call the hospital and if it's

0:44:42.160 --> 0:44:46.040
<v Speaker 1>still the hospital, then they could then she could settle

0:44:46.120 --> 0:44:49.080
<v Speaker 1>and maybe get them removed from her credit report. Does

0:44:49.080 --> 0:44:51.160
<v Speaker 1>that change if it was a debt collector.

0:44:51.400 --> 0:44:54.040
<v Speaker 2>Well, either one like oftentimes you can negotiate for that.

0:44:54.080 --> 0:44:56.480
<v Speaker 2>So sometimes I'll tell people that I'm like, okay, like

0:44:56.520 --> 0:44:59.080
<v Speaker 2>you oldest debt it, especially like let's you say you

0:44:59.080 --> 0:45:01.040
<v Speaker 2>owe two thousand, and if you're trying to settle for

0:45:01.040 --> 0:45:03.600
<v Speaker 2>five hundred, like good luck, you might be able to

0:45:03.600 --> 0:45:05.040
<v Speaker 2>settle for a five hundred, but they're not going to

0:45:05.160 --> 0:45:07.440
<v Speaker 2>remove it. But if you owe two thousand and you're

0:45:07.440 --> 0:45:10.360
<v Speaker 2>actually going to pay two thousand or fifteen hundred or higher,

0:45:10.800 --> 0:45:14.560
<v Speaker 2>then sometimes you can negotiate can this be removed because

0:45:14.600 --> 0:45:16.359
<v Speaker 2>you're paying basically most of it or all of it?

0:45:16.560 --> 0:45:20.440
<v Speaker 2>And so sometimes that because ultimately debt collectors or people

0:45:20.440 --> 0:45:22.400
<v Speaker 2>that you owe, they don't care about your credit report.

0:45:22.880 --> 0:45:25.120
<v Speaker 2>They want their money. So if you're able to give

0:45:25.160 --> 0:45:27.960
<v Speaker 2>them their money and dangle the carrot of like, hey,

0:45:28.000 --> 0:45:30.640
<v Speaker 2>this is why I want to exchange, and before you pay,

0:45:30.719 --> 0:45:32.319
<v Speaker 2>get that in writing that they're going to remove it,

0:45:32.600 --> 0:45:35.080
<v Speaker 2>then that's what I would try to do. But just

0:45:35.200 --> 0:45:37.320
<v Speaker 2>know that you know you have to be able to

0:45:37.360 --> 0:45:39.919
<v Speaker 2>either pay most or all of that debt in order

0:45:39.920 --> 0:45:44.120
<v Speaker 2>for that to to go through. You know, like because

0:45:44.120 --> 0:45:47.240
<v Speaker 2>I've seen like you know, I'm like, I've seen people

0:45:48.040 --> 0:45:51.600
<v Speaker 2>you know, get you know stuff. It's called a good

0:45:51.600 --> 0:45:55.439
<v Speaker 2>faith letter basically, get people get things removed from your

0:45:56.000 --> 0:45:59.680
<v Speaker 2>from your credit report, and so you can try that,

0:46:00.440 --> 0:46:02.640
<v Speaker 2>or a good will letter. It's called a good No,

0:46:02.680 --> 0:46:04.840
<v Speaker 2>it's called a good will letter. So you can just

0:46:04.880 --> 0:46:06.080
<v Speaker 2>google go ahead.

0:46:05.960 --> 0:46:08.240
<v Speaker 1>The goodwill letters. Just you send those to the credit

0:46:08.239 --> 0:46:10.720
<v Speaker 1>bureaus or to your lender or the debt collector.

0:46:11.280 --> 0:46:12.840
<v Speaker 2>So you would send that to the debt collector, so

0:46:12.880 --> 0:46:16.200
<v Speaker 2>whoever is borrowing that you're borrowing from. Because actually like

0:46:16.320 --> 0:46:21.040
<v Speaker 2>clear points like this like Free I remember I think

0:46:21.040 --> 0:46:23.920
<v Speaker 2>I met them at fin Con. Clear point is like

0:46:24.000 --> 0:46:27.719
<v Speaker 2>this Free Debt or credit Counseling agency. They're nonprofit and

0:46:27.760 --> 0:46:31.000
<v Speaker 2>they actually have a d y I how to write

0:46:31.040 --> 0:46:34.080
<v Speaker 2>a good how to write a good will letter for

0:46:34.200 --> 0:46:38.520
<v Speaker 2>credit repair, and so you know it's possible. It's different

0:46:38.520 --> 0:46:42.920
<v Speaker 2>from a dispute. Basically, you're just saying I know this happened,

0:46:43.600 --> 0:46:46.040
<v Speaker 2>and you know, and I'm not asking I'm not saying

0:46:46.040 --> 0:46:50.040
<v Speaker 2>that this didn't happen. I'm just saying, hey, you know,

0:46:50.160 --> 0:46:52.440
<v Speaker 2>can you, if I pay you or whatever, can you

0:46:52.480 --> 0:46:55.040
<v Speaker 2>basically do me a solid and take this off, you know.

0:46:56.200 --> 0:46:58.520
<v Speaker 1>Yeah. One of my questions that I that I had

0:46:58.560 --> 0:47:01.200
<v Speaker 1>for LaToya, and I actually melt her. I'll see if

0:47:01.239 --> 0:47:03.560
<v Speaker 1>she responded, but I wanted to know if when she

0:47:03.640 --> 0:47:05.520
<v Speaker 1>settled those debts, if she had gotten a letter from

0:47:05.520 --> 0:47:07.640
<v Speaker 1>the hospital saying they had been settled and that the

0:47:07.640 --> 0:47:11.160
<v Speaker 1>accounts were closed. Because I've actually had to settle I

0:47:11.239 --> 0:47:12.960
<v Speaker 1>was going back and forth and back and forth with

0:47:13.000 --> 0:47:15.680
<v Speaker 1>someone some lab that I had gotten. I don't know

0:47:15.800 --> 0:47:17.400
<v Speaker 1>some you know how you go to the doctor to

0:47:17.400 --> 0:47:19.719
<v Speaker 1>get a physical, and they put the blood work, they

0:47:19.760 --> 0:47:21.239
<v Speaker 1>put it, they send the blood work to like a

0:47:21.239 --> 0:47:24.600
<v Speaker 1>third party lab, and I kept getting billed from them

0:47:24.640 --> 0:47:27.520
<v Speaker 1>and bills from them, and I finally was like, let

0:47:27.520 --> 0:47:29.480
<v Speaker 1>me just settle this and I'll pay your eighty dollars

0:47:29.560 --> 0:47:31.920
<v Speaker 1>or whatever. And they even went. They sent me a

0:47:32.080 --> 0:47:34.200
<v Speaker 1>verification saying the account had been closed and it was

0:47:34.239 --> 0:47:36.120
<v Speaker 1>paid in full, and I kept that for my records.

0:47:36.960 --> 0:47:39.360
<v Speaker 1>I don't think that she had like a record of

0:47:39.360 --> 0:47:41.160
<v Speaker 1>this settlement, and I would have and I would say,

0:47:41.160 --> 0:47:44.400
<v Speaker 1>if anyone's in this situation, and you're you're moving forward

0:47:44.440 --> 0:47:46.120
<v Speaker 1>and you're trying to settle a debt, whether it's with

0:47:46.160 --> 0:47:48.759
<v Speaker 1>a hospital or your credit card or whoever, to make

0:47:48.800 --> 0:47:51.400
<v Speaker 1>sure that you're getting some sort of record where you

0:47:51.440 --> 0:47:54.520
<v Speaker 1>can show them. Because people make mistakes, especially we were

0:47:54.560 --> 0:47:57.880
<v Speaker 1>just talking about medical billing offices made mistakes all the time,

0:47:59.040 --> 0:48:01.960
<v Speaker 1>and you can you can dispute them and I mean

0:48:02.160 --> 0:48:04.640
<v Speaker 1>argue against them. But if you have a paper trail,

0:48:05.000 --> 0:48:06.600
<v Speaker 1>it makes your case all that stronger.

0:48:07.400 --> 0:48:10.279
<v Speaker 2>Yeah, And like I said, try that, try that goodwill letter.

0:48:10.320 --> 0:48:12.080
<v Speaker 2>Like I said, the purpose of a good will letter

0:48:12.560 --> 0:48:15.520
<v Speaker 2>is to appeal to the goodwill of the person that

0:48:15.560 --> 0:48:17.840
<v Speaker 2>you owe. You're not saying that you don't owe. You're

0:48:17.880 --> 0:48:21.279
<v Speaker 2>acknowledging that this is a debt that's mine. But you know,

0:48:21.360 --> 0:48:24.880
<v Speaker 2>I'm asking that you you know that you recind this

0:48:24.920 --> 0:48:27.279
<v Speaker 2>basically for my credit report, you know, and you know

0:48:27.760 --> 0:48:29.000
<v Speaker 2>one of the ways you could do that. Let's just

0:48:29.000 --> 0:48:31.759
<v Speaker 2>say if it's if it's one late payment that you made.

0:48:31.880 --> 0:48:34.319
<v Speaker 2>You know, people send in goodwill letters or in this

0:48:34.440 --> 0:48:36.640
<v Speaker 2>in this instance, saying this is what happened. I thought,

0:48:36.680 --> 0:48:38.520
<v Speaker 2>I did everything. What can I do to fix it?

0:48:38.600 --> 0:48:41.600
<v Speaker 2>And can you if I pay you know, can you

0:48:41.640 --> 0:48:44.280
<v Speaker 2>take this off? And you'd be surprised because, like I said, ultimately,

0:48:44.320 --> 0:48:46.600
<v Speaker 2>they don't care about your credit report. Credit reports are

0:48:46.600 --> 0:48:49.560
<v Speaker 2>the way they try to get you to pay them, Like, well,

0:48:49.560 --> 0:48:52.160
<v Speaker 2>if I punish you here, I'll get my money. Ultimately,

0:48:52.440 --> 0:48:53.880
<v Speaker 2>everybody just wants their money.

0:48:54.440 --> 0:48:56.879
<v Speaker 1>But what if she doesn't actually owe it? Because I mean,

0:48:56.920 --> 0:48:59.400
<v Speaker 1>in that case, right, she needs to. I don't think

0:48:59.680 --> 0:49:02.880
<v Speaker 1>she's an acknowledge that the debt's hers if she's not convinced.

0:49:03.280 --> 0:49:05.120
<v Speaker 1>So one of the things I would tell her to do,

0:49:05.600 --> 0:49:08.240
<v Speaker 1>or anyone is people don't you should send a debt

0:49:08.440 --> 0:49:11.000
<v Speaker 1>or she should try sending a debt verification form to

0:49:11.080 --> 0:49:14.480
<v Speaker 1>this is true and this is all, Oh, go ahead now,

0:49:14.560 --> 0:49:14.959
<v Speaker 1>So I say.

0:49:14.880 --> 0:49:16.719
<v Speaker 2>You're right, verify it like it makes sure this debt

0:49:16.760 --> 0:49:17.480
<v Speaker 2>is yours.

0:49:17.440 --> 0:49:19.000
<v Speaker 1>Because if you send it, when you send a debt

0:49:19.040 --> 0:49:22.960
<v Speaker 1>verification letter, and I'll post a link in the show notes.

0:49:23.000 --> 0:49:25.880
<v Speaker 1>But this Consumer of Financial Protection Bureau has a form.

0:49:25.960 --> 0:49:28.640
<v Speaker 1>It's like a sample letter. All it is is you're asking,

0:49:29.600 --> 0:49:32.040
<v Speaker 1>how do you know this debt is mine? What's the amount,

0:49:32.239 --> 0:49:34.080
<v Speaker 1>what are the dates? And it was dude, show me

0:49:34.160 --> 0:49:36.920
<v Speaker 1>that you show me that I owe this debt? Basically,

0:49:36.960 --> 0:49:39.080
<v Speaker 1>and if they can't do that, then you should move

0:49:39.120 --> 0:49:41.320
<v Speaker 1>forward and dispute that it's even yours in the first place.

0:49:42.200 --> 0:49:45.680
<v Speaker 1>And it sounds like that she has a case. Hold

0:49:45.719 --> 0:49:48.600
<v Speaker 1>on a second, well, oh, this is so awesome. Wait

0:49:48.600 --> 0:49:52.640
<v Speaker 1>a second, this is like a live question update LaToya,

0:49:52.960 --> 0:49:54.560
<v Speaker 1>She emailed me back two hours ago.

0:49:55.000 --> 0:49:58.360
<v Speaker 2>Wow, hey, LaToya, you just knew we were gonna go LaToya.

0:49:58.480 --> 0:50:01.319
<v Speaker 1>Wait, and it's good news. Second. Okay, so we didn't

0:50:01.320 --> 0:50:06.200
<v Speaker 1>even help her. We helped Hopefully someone else enjoyed our advice. No, okay,

0:50:06.200 --> 0:50:08.640
<v Speaker 1>this is okay. Hold on, this is breaking news. We

0:50:08.640 --> 0:50:17.800
<v Speaker 1>need a breaking news away. Thank you. So here's Yah's update.

0:50:18.719 --> 0:50:22.160
<v Speaker 1>She says, thank you so much for responding. I used Okay,

0:50:22.160 --> 0:50:24.800
<v Speaker 1>this is so cool. I used a group legal prepaid

0:50:24.800 --> 0:50:27.920
<v Speaker 1>benefit through my employer to find an attorney, so her

0:50:28.160 --> 0:50:31.520
<v Speaker 1>employer had a benefit program where she could find like

0:50:31.600 --> 0:50:35.359
<v Speaker 1>low cost legal aid. They fought the debt, and all

0:50:35.440 --> 0:50:39.120
<v Speaker 1>three bureaus deleted those four accounts from my reports. My

0:50:39.200 --> 0:50:42.680
<v Speaker 1>credit score has recouped most of the impacted points to

0:50:42.680 --> 0:50:45.440
<v Speaker 1>my credit score, and I close on my home on

0:50:45.520 --> 0:50:46.360
<v Speaker 1>August fourth.

0:50:49.200 --> 0:50:52.600
<v Speaker 2>That's another right. We didn't think about that. Legal services

0:50:52.760 --> 0:50:55.880
<v Speaker 2>see LaToya, you taught be a listener something that we

0:50:55.920 --> 0:50:58.319
<v Speaker 2>didn't even suggest. That's awesome. I'm glad you fought it.

0:50:58.560 --> 0:51:00.440
<v Speaker 1>I didn't know. Well, she didn't say in her original

0:51:00.480 --> 0:51:03.279
<v Speaker 1>question that it was like a lawsuit, you know, if

0:51:03.360 --> 0:51:05.120
<v Speaker 1>or she was sued or whatever. But that's definitely something

0:51:05.120 --> 0:51:07.319
<v Speaker 1>that's like the next step. Like once these debts have

0:51:07.440 --> 0:51:09.440
<v Speaker 1>been unpaid for so long, they ding you on your

0:51:09.480 --> 0:51:11.839
<v Speaker 1>credit report, and then if enough time goes by, they

0:51:11.840 --> 0:51:15.440
<v Speaker 1>may even pursue a lawsuit against you in court, and

0:51:15.480 --> 0:51:17.279
<v Speaker 1>that's when things get difficult. But she did exactly the

0:51:17.360 --> 0:51:20.640
<v Speaker 1>right thing by trying to find low cost legal service.

0:51:20.719 --> 0:51:27.160
<v Speaker 1>So huzza, yes, take them. That's to the man hospital,

0:51:27.239 --> 0:51:30.239
<v Speaker 1>suck man. Yeah, that is the moral of this story.

0:51:30.239 --> 0:51:32.440
<v Speaker 1>I should have done a brown break for medical building offices.

0:51:33.760 --> 0:51:35.680
<v Speaker 1>All the stress, you know, and she had. The thing

0:51:35.760 --> 0:51:38.759
<v Speaker 1>that kills me is she had insurance and she still

0:51:38.760 --> 0:51:39.840
<v Speaker 1>wound up in this situation.

0:51:40.400 --> 0:51:41.080
<v Speaker 2>That's crazy.

0:51:41.400 --> 0:51:43.920
<v Speaker 1>Even if you have insurance, you're not safe from this BS.

0:51:44.320 --> 0:51:48.359
<v Speaker 1>But happy ending. That was so funny. Yeah, okay, good,

0:51:48.440 --> 0:51:52.360
<v Speaker 1>I'm glad because she sounded so stressed in that email. Okay, guys,

0:51:52.880 --> 0:51:55.600
<v Speaker 1>you too can have a happy ending if you if

0:51:55.600 --> 0:51:58.280
<v Speaker 1>you email your questions so Brown Ambition Podcast at gmail

0:51:58.280 --> 0:51:59.400
<v Speaker 1>dot com.

0:51:59.120 --> 0:52:13.239
<v Speaker 2>Dot com or go ahead ahead, no, no, no.

0:52:14.680 --> 0:52:16.880
<v Speaker 1>How about you say it? What's their website.

0:52:18.120 --> 0:52:22.640
<v Speaker 2>The uh podcast Brown podcast dot com.

0:52:23.000 --> 0:52:29.319
<v Speaker 1>You got it. We're coming on two year anniversary.

0:52:29.719 --> 0:52:30.960
<v Speaker 2>I know what are we gonna do?

0:52:31.560 --> 0:52:34.399
<v Speaker 1>I don't know. Last year we did a dinner, so.

0:52:34.840 --> 0:52:36.279
<v Speaker 2>Start asking us, like when are we gonna have When

0:52:36.280 --> 0:52:38.400
<v Speaker 2>are we gonna get pregnant? When we're gonna get married?

0:52:38.800 --> 0:52:39.440
<v Speaker 1>What you and me?

0:52:40.200 --> 0:52:41.799
<v Speaker 2>Because you know we were like, you've been together for

0:52:41.840 --> 0:52:44.080
<v Speaker 2>two years? Now when are you a man? He gonna

0:52:44.080 --> 0:52:46.080
<v Speaker 2>have a baby? Leave us alone?

0:52:46.239 --> 0:52:49.560
<v Speaker 1>She's seeing other people, super boos and supergirls.

0:52:51.960 --> 0:52:53.960
<v Speaker 2>I know we should do something maybe that you guys

0:52:53.960 --> 0:52:57.319
<v Speaker 2>can give us some suggestions tweet us, yeah, if you

0:52:57.360 --> 0:53:00.279
<v Speaker 2>have some suggestions about you know what, like what di

0:53:00.280 --> 0:53:02.239
<v Speaker 2>should we do to celebrate? Last year we had a

0:53:02.360 --> 0:53:04.960
<v Speaker 2>dinner with some listeners which was really fun and the

0:53:05.000 --> 0:53:08.600
<v Speaker 2>food was it wasn't the food was so good? So

0:53:08.640 --> 0:53:10.040
<v Speaker 2>what should we do this time? We'd like to do

0:53:10.080 --> 0:53:11.200
<v Speaker 2>something a little different.

0:53:11.960 --> 0:53:13.120
<v Speaker 1>It's got the six flags.

0:53:14.400 --> 0:53:16.640
<v Speaker 2>Yeah, no, I hate little Oh that's right.

0:53:17.040 --> 0:53:18.799
<v Speaker 1>I meant to tell you Supergirl has some words to

0:53:18.800 --> 0:53:21.000
<v Speaker 1>say to me at your wedding about that trip to

0:53:21.160 --> 0:53:22.000
<v Speaker 1>Disney World.

0:53:22.320 --> 0:53:22.799
<v Speaker 2>What is she?

0:53:25.440 --> 0:53:25.560
<v Speaker 1>Yo?

0:53:25.680 --> 0:53:27.560
<v Speaker 2>Supergirl? Is something up? What does she say?

0:53:27.719 --> 0:53:29.160
<v Speaker 1>Oh, never mind, I't want to get her in trouble.

0:53:29.200 --> 0:53:31.360
<v Speaker 1>I'm not a rat. No, No, she's I'm anitch.

0:53:32.880 --> 0:53:35.080
<v Speaker 2>I do because she's like, Oh that's manny, I've got

0:53:35.120 --> 0:53:39.040
<v Speaker 2>some things to share. Does she not have a good time?

0:53:39.360 --> 0:53:41.000
<v Speaker 1>No, she had a great time. She loves you. You're

0:53:41.040 --> 0:53:42.759
<v Speaker 1>the best. She said, You're so beautiful and pretty and

0:53:42.760 --> 0:53:44.839
<v Speaker 1>smart and talented. It's exactly what she said.

0:53:45.160 --> 0:53:47.839
<v Speaker 2>Yeah right, Supergirl's like, I'm not really feeling you right now.

0:53:48.000 --> 0:53:49.280
<v Speaker 2>She calls me the daddy honker.

0:53:49.960 --> 0:53:52.440
<v Speaker 1>Oh oh oh.

0:53:51.800 --> 0:53:54.520
<v Speaker 2>I know we vented into that stage. Now. I'm like,

0:53:54.520 --> 0:53:55.520
<v Speaker 2>oh great, just.

0:53:55.440 --> 0:53:58.879
<v Speaker 1>Wait till she's fourteen. You can have him.

0:54:01.360 --> 0:54:02.759
<v Speaker 2>So are we gonna do some wins? I can I

0:54:02.760 --> 0:54:03.399
<v Speaker 2>have a quick win?

0:54:03.760 --> 0:54:04.080
<v Speaker 1>Sure?

0:54:05.000 --> 0:54:09.040
<v Speaker 2>So Tiffany, I can't say her last name hash hash

0:54:09.280 --> 0:54:12.399
<v Speaker 2>Hattish hattish. So apparently I just saw on sence dot

0:54:12.440 --> 0:54:16.720
<v Speaker 2>com that she got a stand up a deal discount

0:54:16.760 --> 0:54:19.480
<v Speaker 2>d or deal whatever with Showtime. That's pretty awesome.

0:54:20.000 --> 0:54:22.200
<v Speaker 1>Oh to do a stand up show, Yeah, you.

0:54:22.160 --> 0:54:23.799
<v Speaker 2>Know that's pretty big. You know, all the greats have

0:54:23.840 --> 0:54:26.120
<v Speaker 2>done that. So I just want to say kudos to you.

0:54:26.160 --> 0:54:28.000
<v Speaker 2>From one Tiffany to another.

0:54:28.440 --> 0:54:29.279
<v Speaker 1>What about you?

0:54:29.320 --> 0:54:30.520
<v Speaker 2>Any any wins?

0:54:31.760 --> 0:54:34.600
<v Speaker 1>Yeah, I'll give a win to gold Bond rapid itch Relief.

0:54:35.040 --> 0:54:38.640
<v Speaker 1>It is the best rapid itch relief cream on the market.

0:54:38.840 --> 0:54:40.840
<v Speaker 1>Find it in your local CBS. You can buy it

0:54:40.840 --> 0:54:41.880
<v Speaker 1>with your f s A card.

0:54:43.160 --> 0:54:46.560
<v Speaker 2>What Okay, I guess you know.

0:54:46.640 --> 0:54:48.359
<v Speaker 1>For real, if you're itching from your trip, don't use

0:54:48.360 --> 0:54:51.080
<v Speaker 1>that cortizone cream. Just use like gold Bond or a

0:54:51.160 --> 0:54:53.680
<v Speaker 1>V No. Those are my two favorite. From one type

0:54:53.719 --> 0:54:54.480
<v Speaker 1>oh to another?

0:54:56.000 --> 0:54:56.439
<v Speaker 2>Is that? Okay?

0:54:56.480 --> 0:54:58.200
<v Speaker 1>Got along? Sowell? We're both typos?

0:54:58.440 --> 0:55:00.440
<v Speaker 2>I know? Are you? Are you the are you the

0:55:00.480 --> 0:55:01.120
<v Speaker 2>donor or the giver?

0:55:01.320 --> 0:55:03.240
<v Speaker 1>Wait, Tiffany, we're typos.

0:55:05.080 --> 0:55:07.240
<v Speaker 2>Now that wasn't funny.

0:55:09.960 --> 0:55:11.120
<v Speaker 1>I just took them benat role.

0:55:13.480 --> 0:55:16.560
<v Speaker 2>But are you the universal donor? Are you the universal receiver?

0:55:16.880 --> 0:55:19.359
<v Speaker 1>I'm positive? So I think I can give, I can take,

0:55:19.400 --> 0:55:23.440
<v Speaker 1>but I can't. No, I'm oh positive, I forget. I

0:55:23.480 --> 0:55:25.560
<v Speaker 1>think I'm the universal.

0:55:25.360 --> 0:55:28.719
<v Speaker 2>Receiver receiver and I'm the universal donor, but I can't

0:55:28.719 --> 0:55:30.400
<v Speaker 2>give from anybody except for O's.

0:55:30.719 --> 0:55:31.719
<v Speaker 1>Okay, sucks for you.

0:55:33.080 --> 0:55:36.880
<v Speaker 2>Basically, I don't know why that's so funny.

0:55:37.760 --> 0:55:41.200
<v Speaker 1>Hey ba fam. Wasn't that a fun throwback and such

0:55:41.200 --> 0:55:43.799
<v Speaker 1>a fun trip down memory lane. Make sure to check

0:55:43.840 --> 0:55:48.400
<v Speaker 1>out Brown Ambition every Monday, Wednesday, and Friday. Now, y'all,

0:55:48.480 --> 0:55:51.960
<v Speaker 1>three times a week, three times the Brown Ambition goodness.

0:55:52.120 --> 0:55:54.480
<v Speaker 1>We will see you Wednesday for our regular show and

0:55:54.520 --> 0:55:58.480
<v Speaker 1>then Friday for our b a Q and a bye