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Speaker 1: There are some positive things from this bill. Yeah, for

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Speaker 1: sure that I personally am thrilled with the increase to

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Speaker 1: the salt deduction, the fact that it's been increased from

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Speaker 1: ten thousand to forty thousand dollars, which is amazing because

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Speaker 1: my property taxes are in effingsaane, it's like twenty thousand

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Speaker 1: dollars a year.

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Speaker 2: Yeah. Wait, is that one of the ones that is

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Speaker 2: permanent or temporary through twenty twenty eight? Well, win is

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Speaker 2: the wind will take it. But most of the wins

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Speaker 2: that we're talking about expire in twenty twenty eight, and

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Speaker 2: most of the damage being done is permanent, So we

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Speaker 2: really have Like that piece is what I really want

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Speaker 2: people to pay attention to because to your point, yeah,

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Speaker 2: we can celebrate these things, but then if it expires

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Speaker 2: in twenty twenty eight and all the really bad things

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Speaker 2: keep going, what is the net effect of the bill.

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Speaker 3: After the four years of this administration. They're going to

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Speaker 3: use that against the other party, right, They're going to say, Okay, well,

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Speaker 3: all these things are expiring, and it saved all these

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Speaker 3: people all types of money, and if you go with

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Speaker 3: this this other administration, then you're not going to get

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Speaker 3: any of that.

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Speaker 1: Hey, hey, Batham, welcome back to another Brown Table. It's

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Speaker 1: the best time of the week, and I am joined

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Speaker 1: by you know, according to Chris, they're interchangeable, which I

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Speaker 1: think is some internalized racism on his own part. But

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Speaker 1: we have a new dude in the stew this week.

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Speaker 1: We have a friend of the show, the Mark Russell,

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Speaker 1: founder of Better Wallet, in the house. Welcome Mark.

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Speaker 4: We're interchangeable, me and Chris.

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Speaker 1: That's what he said. When I said, I was like, Chris,

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Speaker 1: can you make it? He said no. I was like, final,

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Speaker 1: ask Mark similar to me, and he said, you just

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Speaker 1: swapping out black dudes. I'm like, well, yes, yes, it's casting,

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Speaker 1: a central casting. There's a profile. You guys fit it.

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Speaker 1: What do you want?

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Speaker 4: What I'm okay with?

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Speaker 1: I think everyone should be fine with it. I think

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Speaker 1: it's fine. And we have the one and only a

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Speaker 1: Yan Ellies finale from this be helpful? A K A wait,

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Speaker 1: what's your title at next Gen PF. I don't think

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Speaker 1: I even know if you have a title.

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Speaker 2: I do a director of educational Outreach. Oh carry, you know.

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Speaker 1: We'll have Nelly, we have Mark.

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Speaker 4: Mark.

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Speaker 1: Has been months since you've been at the Brown Table.

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Speaker 1: How does it feel to be back.

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Speaker 4: I'm happy to be back.

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Speaker 3: Shocked that wasn't invited over the last few months. I'm

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Speaker 3: happy that we're unavailable. I'm happy that you you stuck

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Speaker 3: with the name of Brown Table.

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Speaker 2: Oh I forgot you gave it that name.

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Speaker 4: Yeah, I did, let her know. Let her know, trying

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Speaker 4: to forget.

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Speaker 1: Props do I don't try to forget. I don't try

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Speaker 1: to forget. No, but I have invited you back. You

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Speaker 1: just have been so busy.

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Speaker 4: I have been a lot going.

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Speaker 1: Making your Instagram carousels a lot.

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Speaker 3: I love that, which I feel like content creation is

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Speaker 3: a secondary job at this point, like the back end

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Speaker 3: business stuff. It's like what I'm working on now. So

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Speaker 3: just trying to juggle all of that and attempt to

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Speaker 3: have a personal life and drink water and work out

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Speaker 3: all the things too.

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Speaker 4: Effects.

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Speaker 1: Do you want to talk about the personal life that's

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Speaker 1: going on?

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Speaker 4: No, you know, I don't. I don't jump into all that.

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Speaker 1: But well, you open, you open that door. I thought

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Speaker 1: we could just like push it open a little bit.

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Speaker 3: No, I think I probably share too much already. So

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Speaker 3: enough about me, what about you?

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Speaker 1: You know what, I'm in Atlanta all week. My friend

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Speaker 1: so I'm going to find a way to come bother you.

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Speaker 1: I should.

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Speaker 4: I feel like everyone's here this weekend.

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Speaker 5: Who else?

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Speaker 3: I think we have Nascar coming? Uh this weekend? We

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Speaker 3: got Beyonce here this weekend. I feel like there's so

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Speaker 3: many different events. And this is what the girls do.

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Speaker 1: They tap with their for these middle fingers.

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Speaker 3: One.

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Speaker 1: Yeah, but I don't have long nails, so it looks stupid.

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Speaker 2: I mean, short nails will do.

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Speaker 1: No Nascar Beyonce. What else?

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Speaker 4: Yeah, there's another event that's happened this weekend.

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Speaker 3: I forget what the third one, but I mean the

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Speaker 3: only one that people care about happens to be Beyonce.

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Speaker 2: So yeah, that makes sense.

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Speaker 4: It should be a It should be a great event.

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Speaker 4: Though I'm not going.

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Speaker 1: I'm so excited. I'm going on Sunday, by my damn self.

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Speaker 1: I only bought one ticket. There was one ticket in

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Speaker 1: the Prime Primes to Prima seats and I can't wait.

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Speaker 1: And I got to put a fit together. But seeing

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Speaker 1: her twice just feels right. It does. I'm excited. I

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Speaker 1: kind of have some breaking news about Atlanta, though, was it?

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Speaker 1: And as it regards to me, Oh, something clicked in

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Speaker 1: my brain in the past few weeks and I think

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Speaker 1: it's time to move time. I think it's time to

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Speaker 1: go home.

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Speaker 4: Come on down, to come on home. We're welcome you.

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Speaker 1: Well, I think I'm ready. I think I'm done with

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Speaker 1: New York the heights. I'm not in the heights. I'm

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Speaker 1: in the burbs. Oh that's but yeah, we've been done

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Speaker 1: with the heights.

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Speaker 4: Come down.

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Speaker 1: So yeah, I think I'm ready. My mom and my

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Speaker 1: sister are both moving back, and they've been. My sister's

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Speaker 1: been in Wisconsin, my mom has been in Saint Louis,

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Speaker 1: and my dad and my brother have been here. You know,

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Speaker 1: they haven't gone anywhere. But yeah, I'm just I always

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Speaker 1: i've been. I've been thinking about in the back of

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Speaker 1: my mind. But yeah, I think I'm good. I think

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Speaker 1: it's easy enough to get to New York that it's

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Speaker 1: not going to be a problem. You know, I can

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Speaker 1: still and if I do it the way I want,

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Speaker 1: we might end up like keeping our house in New

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Speaker 1: York and buying another one in Atlanta, and then maybe

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Speaker 1: I can like go in between. But I think, I mean,

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Speaker 1: my kids are the right age. I think it's not

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Speaker 1: going to be too disruptive to them, and I just

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Speaker 1: feel home here. I just I don't know.

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Speaker 2: I mean, if you're going to be in the suburbs,

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Speaker 2: then why not just do it in Georgia instead of

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Speaker 2: New York. I'm it's going to definitely be.

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Speaker 1: Cheaper, way cheaper, you know, so much cheaper. Yeah, yeah,

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Speaker 1: I mean, is it nice to be forty minutes from

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Speaker 1: the city whenever I need to go? Yeah, I mean

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Speaker 1: New York City. Yes, But if I'm real honest, there's

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Speaker 1: not that many things, although it'll probably change once I

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Speaker 1: move here officially. I'm sure there'll be so many things.

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Speaker 1: I'll be like, Damn, I wish I was still in

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Speaker 1: New York.

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Speaker 2: That's how it would be. Always.

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Speaker 3: You can always take a flight anytime I'm getting up

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Speaker 3: to Northern Jersey or Philly, I just jump on the flight,

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Speaker 3: go see family, pop back into Georgia. So and then

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Speaker 3: airport's great here, like Delta flying out with.

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Speaker 1: Some respect on it. Atlanta is the best airport, hands down.

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Speaker 3: It's chaotic at times, but if you have digit ID

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Speaker 3: and you if you have digit ID and you have

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Speaker 3: pre check and all it, things like I spend maybe

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Speaker 3: two minutes in line if that, and I only have

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Speaker 3: to talk to anyone and then I get right on

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Speaker 3: the flight I'm in New York or Philly, and then

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Speaker 3: I pop back down, So there's always flights going back

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Speaker 3: and forth. Oh.

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Speaker 1: The other hack for Atlanta Airport is bring a kid

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Speaker 1: with you because family assist much faster, faster than pre check.

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Speaker 1: Even Okay, I.

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Speaker 3: Will saynumber one, get a child, number three, any kid.

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Speaker 1: Anything'll do.

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Speaker 2: That's a lot.

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Speaker 1: Yeah, it's weird to say that. Kennelle. Do you think

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Speaker 1: you'll ever go back to New York? You've been in

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Speaker 1: Miami for how long now?

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Speaker 2: I've been in Miami for going on five years. Our

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Speaker 2: lease is up in mid twenty twenty six, in which

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Speaker 2: case we have to like decide what we're about to do.

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Speaker 2: I don't know if Miami is ever going to feel

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Speaker 2: like home, but it was really good to me in

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Speaker 2: my early thirties. You know, having a little bit of

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Speaker 2: money and being in Miami is very different from like

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Speaker 2: when I was broken my twenties. Coming to Miami, it's

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Speaker 2: just not the same. So I have definitely enjoyed the

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Speaker 2: lifestyle and the amazing weather every single day. Like it's

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Speaker 2: definitely been a lot more like physical activity versus when

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Speaker 2: I live in New York City. But at the same time,

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Speaker 2: when I go visit New York, I just I feel

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Speaker 2: like the energy of the city is never quite what

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Speaker 2: I put on it. Like I have this like nostalgic

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Speaker 2: thing for New York City, but I feel like every

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Speaker 2: time I go back, it never lives up to that.

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Speaker 2: So I'm just like, oh, you know what, I think

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Speaker 2: I've just accepted that it's just never going to be

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Speaker 2: that so and it's changed so much. But I love

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Speaker 2: New York City. I don't think I'll ever live there again, though.

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Speaker 1: No, I'm good, She's good, Okay, So maybe somewhere else

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Speaker 1: but not New York.

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Speaker 2: Yeah, We're trying to figure out where else we might

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Speaker 2: want to live. Miami is cool for now, but I

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Speaker 2: definitely think I want to try other cities. Like I

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Speaker 2: would like to live in Atlanta. I would I would

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Speaker 2: like to check out like Houston or Dallas. I'd be

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Speaker 2: open to other cities for sure. But you know, my

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Speaker 2: boyfriend works in tex So it's always a thing of like, well,

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Speaker 2: is he going to be able to like plug into

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Speaker 2: a tex scene, you know, like Miami, there's this Latino

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Speaker 2: tech scene right now, like it works for him, So

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Speaker 2: there's always something to think about, like where you want

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Speaker 2: to try a new city. But that's the good thing

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Speaker 2: about renting is that we don't really have to worry

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Speaker 2: too much about like where we go. We can just

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Speaker 2: pop up and go rent somewhere for six months or

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Speaker 2: a year and just see if we like it, and

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Speaker 2: if not, we can go back to where we were.

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Speaker 1: Yeah.

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Speaker 3: Yeah, Austin has an amazing scene in Texas, and then

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Speaker 3: Dallas is like one of my favorite cities. Nice And

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Speaker 3: I've always thought about, like if I ever left Atlanta,

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Speaker 3: where I moved to, I would either move back home

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Speaker 3: to Philly or to New York or Northern Jersey or

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Speaker 3: moved to Dallas.

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Speaker 1: Dallas. Really, I've never been to Dallas.

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Speaker 4: You haven't been in Dallas.

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Speaker 1: Dallas.

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Speaker 4: Dallas is beautiful, is it? Okay?

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Speaker 3: They have a lot of money that was put into

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Speaker 3: the infrastructure of the of the city. And it's coming

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Speaker 3: from a guy from Philly that we naturally don't like

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Speaker 3: anything related to Texas, but I went there and that

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Speaker 3: was absolutely shocked. The uh the football franchise which I

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Speaker 3: will not name on this podcast, they bring in a

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Speaker 3: lot of money and they put all that money back

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Speaker 3: into the city.

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Speaker 1: Which I respect interesting. I've never if I'm going to

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Speaker 1: be sweating balls, like if I'm going to be really hot,

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Speaker 1: it's going to be Atlanta for me. And you know

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Speaker 1: what's crazy is New York is not the climate is

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Speaker 1: more similar to it to Georgia's right now. It is so.

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Speaker 2: Huge New York. I don't know what you're talking about.

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Speaker 2: Sweating and balls. We sweat balls in New York summer

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Speaker 2: it is bad every single year and then the winters

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Speaker 2: are crazy cold. So it's just like you get those extremes,

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Speaker 2: and that's what I don't miss. That's I don't imagine

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Speaker 2: moving back to New York because the extremes. I'm just

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Speaker 2: I really do like consistency, and I feel like those

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Speaker 2: extremes just throw me off. And yeah, I'm.

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Speaker 1: Good, I think for me. Also, my falling in love

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Speaker 1: with gardening, which sounds so corny, but it's just it

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Speaker 1: just happened. It has truly just been like a whole

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Speaker 1: life ship for me this past year. And I want

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Speaker 1: land now. I want land.

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Speaker 2: I want lands.

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Speaker 1: I want land two thousand a week.

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Speaker 2: Girl tell us you tell us you a mom and

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Speaker 2: the Serbs and the Burbs without telling knows that your

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Speaker 2: mom and the burbs.

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Speaker 3: Literally, like Atlanta suburbs are like unparalleled in Alanta, but.

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Speaker 1: You can still be in the city and be in

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Speaker 1: the suburbs like where my brother lives, like I could

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Speaker 1: get a house. I mean they're they're they're small, cute

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Speaker 1: little houses here, but you can find those little gems

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Speaker 1: where it's like massive yard but you're kind of I mean,

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Speaker 1: they call the Atlanta the City in the forest or

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Speaker 1: city in the trees, what's it called something like that.

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Speaker 2: I feel it feels like the urban suburbs. It gives

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Speaker 2: me the urban.

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Speaker 1: Forest, Like yeah, because you're right here, but you have

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Speaker 1: so much It really is like you're in a it's

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Speaker 1: built in a forest. The city is and so there's

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Speaker 1: history here. I'm just and you know the way that

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Speaker 1: I've really wanted to see Beyonce here. I just want

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Speaker 1: to be around. I want to be in a place where,

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Speaker 1: I mean, truly, I want to be in a place

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Speaker 1: where I can run into black women, black families living

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Speaker 1: their best life every day. And right now I can't

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Speaker 1: say that exactly where I live. I mean, I do

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Speaker 1: live in a really diverse neighborhood, but once we leave

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Speaker 1: our neighborhood once we leave, you know, our little pocket.

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Speaker 1: It's just not like that. And I just feel like

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Speaker 1: Atlanta is just that's where my heart is right now.

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Speaker 2: Yeah, so yep, that was That's exactly what I was

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Speaker 2: talking about with the nostalgia for New York City, that

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Speaker 2: the New York City that I grew up in was

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Speaker 2: very much like black and Latinos in Brooklyn. And now

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Speaker 2: when I go back to I was just in Bushwick

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Speaker 2: like July second and third, and I was just walking

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Speaker 2: around like dang, like this is really different. And look,

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Speaker 2: there's something to celebrate about diversity, for sure, But it's

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Speaker 2: not that we didn't have diversity. You had Jamaican's, Haitians, Basians,

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Speaker 2: Jamake Trinidaddy is Puerto Rican Dominicans. Look, we have diversity.

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Speaker 2: It's just that we have a shared Caribbean ancestry that

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Speaker 2: is also very beautiful. And now it feels like every

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Speaker 2: time I go to Brooklyn is like a lot of

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Speaker 2: transplants and a lot of different people from all over

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Speaker 2: and like, again that's whe're celebrating as well. Diversity from

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Speaker 2: many different places is beautiful, but it's not the same

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Speaker 2: as the Brooklyn I remember. So it speaks to that

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Speaker 2: nostalgia that I had mentioned earlier.

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Speaker 1: It'll be fifteen years. So I got to get my

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Speaker 1: husband a job first, shamelessly, y'all. So speaking of tech,

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Speaker 1: my husband works, he works, and I can't even say

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Speaker 1: where he works. It's so cool and interesting. I gotta

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Speaker 1: tell y'all. He got to testify during the Diddy trial.

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Speaker 1: Oh he got character sketched in the courtroom. Stops so

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Speaker 1: fucking cool. Would I send you the link? And as

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Speaker 1: he told me not to, Okay, well I'll send a link.

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Speaker 1: It's not like this is the thing. Is he's finally

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Speaker 1: done something really interesting. So then like no time, became

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Speaker 1: a part of this like viral, even a part of

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Speaker 1: this viral. Well, this is the thing, I guess. No,

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Speaker 1: the trial's over now, so let me just I can't

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Speaker 1: think I can say it now, and if not, I'll

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Speaker 1: beliam this latter. But so, his name is Enrica Santos,

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Speaker 1: my husband. There's also a famous did I tell you

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Speaker 1: the same Only there's a famous DJ or a DJ

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Speaker 1: in in Miami called Enrique A Santos. So if you

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Speaker 1: search in Rique Santos is usually that one that pops up.

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Speaker 1: Because my husband is very like under the radar. But

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Speaker 1: and so this ditty trial, they they everyone was tracking

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Speaker 1: the list of witnesses because nothing was televised, so like

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Speaker 1: people were following the witness list who's going to testify?

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Speaker 1: And somehow CNN. I'm sure it was like an intern

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Speaker 1: or not to blame the intern, it is probably just

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Speaker 1: some like AI generated story about who was testifying. And

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Speaker 1: so the AI or whoever thought it was mistakenly said

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Speaker 1: it was Enrique Santos of the radio show Fame charolet

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Speaker 1: Mene the God on Breakfast Club. As his co host

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Speaker 1: was reading out the list, he was like, hell Enrique,

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Speaker 1: why isn't Rikue testifying? Like and it went on and

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Speaker 1: on and on and it wasn't the DJ, it was

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Speaker 1: my husband, and so that clip is everywhere and it

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Speaker 1: was just so funny and he's like, don't don't comment

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Speaker 1: on it. No one can know. I don't want to

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Speaker 1: get docks or whatever it is. Wow, but we need

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Speaker 1: to get him a job because he's the hold up.

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Speaker 1: I can work from anywhere. He's the one who works

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Speaker 1: for the federal government, you know, doing like cybersecurity type stuff.

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Speaker 1: And the last time I came through the Atlanta airport.

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Speaker 1: I literally stopped this man. He was walking through the airport.

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Speaker 1: He's and I'll finish the story, but walking through the

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Speaker 1: airport he had he had a backpack on it said

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Speaker 1: TikTok Data Security. I said, excuse me, he was about

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Speaker 1: to get on the plane train. I was like, excuse me, sir,

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Speaker 1: do you really work at TikTok or is that just

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Speaker 1: like your girlfriend's backpack whatever. He's like, oh no. I

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Speaker 1: am like here, he's a big deal in the in

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Speaker 1: the cybersecurity team. And within like five minutes I have

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Speaker 1: him added. I added him on LinkedIn. I was like,

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Speaker 1: I got to talk to you, my husband. I'm trying

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Speaker 1: to like I became my husband's career coach overnight, his

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Speaker 1: unwanted career coach, I will say, because he wants to

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Speaker 1: like follow the apply for the job and get the job.

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Speaker 1: But I'm like, in this market doesn't pay they.

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Speaker 2: Know somebody. You gotta know somebody who knows somebody.

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Speaker 3: You need to be hired from the inside at this point,

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Speaker 3: like you need to know someone. They need to basically

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Speaker 3: be vouching for you from the inside, and then from

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Speaker 3: there you apply.

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Speaker 4: Applying is on the back end versus a front.

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Speaker 1: End, So applying should be it should be like send

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Speaker 1: me your resume. Oh yay, did I ask for your

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Speaker 1: resume yet? Yeah, go ahead and send that over after

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Speaker 1: you get the first scheduled right, h Yeah. So I

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Speaker 1: was I was sharing that with ba fam that I

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Speaker 1: tracked this guy down, that I followed him at the airport,

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Speaker 1: got in touch with him, added him on LinkedIn, but

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Speaker 1: he had an me back. It's been three weeks. I

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Speaker 1: have a good friend who works at TikTok whole different

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Speaker 1: I mean it's a huge company, whole different department. But

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Speaker 1: I texted him. I was like, can you give me

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Speaker 1: this guy's email hundred And he's like no, But he

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Speaker 1: did email him and he nudged him for me through

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Speaker 1: TikTok's email system, and finally he accepted my request, and

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Speaker 1: I'm like, oh yeah, so it's me. I'm back, and

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Speaker 1: we're going to be friends really quick because I have question.

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Speaker 1: I'm trying to get his advice on what kind of program,

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Speaker 1: what kind of like degree Enrique should get right because

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Speaker 1: stuff is changing so quickly and they want all these

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Speaker 1: new shirts. So that's the game plan. I am in

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Speaker 1: Rique's unwilling career coach now and we're going to get

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Speaker 1: him a really good, fat paycheck. Yes, girl.

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Speaker 2: And back in the day, coming from a federal job

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Speaker 2: might have looked really good on the resume. Nowadays, not

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Speaker 2: so much.

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Speaker 4: Yeah, not so much.

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Speaker 1: Yeah.

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Speaker 3: I was literally about to say that you have to

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Speaker 3: have all asserts, but I think there is something to

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Speaker 3: be said coming from the federal government, the things that

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Speaker 3: they know versus these private companies. I think he can

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Speaker 3: leverage and get the job. But cool, see you for

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Speaker 3: trying to find a high paying job down here in Atlanta.

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Speaker 1: I mean, yeah, because the way, I'm not going to

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Speaker 1: spend money on insurance. He needs to carry the insurance.

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Speaker 2: He still that part. I'm mooching off my boyfriend's insurance.

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Speaker 2: Let me not even lie. I don't get insurance at

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Speaker 2: my job. I'm mooching off my boyfriends. I'm a dependent

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Speaker 2: on his policy. Thank goodness they allow that for domestic

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Speaker 2: partners because we ain't even married. But that I feel

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Speaker 2: you on because I used to pay almost one thousand

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Speaker 2: dollars a month for my own private insurance when I

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Speaker 2: lived in New Jersey. And I yeah, and I did,

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Speaker 2: And I had accept an offer for a job with

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Speaker 2: no health insurance and it was it was rough.

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Speaker 4: Yeah, I'm paying hundred right now.

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Speaker 3: Yeah, so Georgia has their marketplace, so I go through that.

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Speaker 3: So six hundred for medical and then like thirty dollars

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Speaker 3: for dental, So not too bad, but it's not what

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Speaker 3: I used.

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Speaker 1: To have a high. Does it have a high deductible?

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Speaker 3: No, the deductible is not too bad. Okay, it wouldn't

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Speaker 3: be considered a high deductible at all. But yeah, it's

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Speaker 3: like I don't go as often, like I go for

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Speaker 3: the routine checks and blood work every year, but other

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Speaker 3: than that, like I'm not injury prone, like I don't

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Speaker 3: have any conditions. So I just feel like I'm throwing

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Speaker 3: the money out the windown I would.

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Speaker 4: Yeah, I know, I know, I know, but we're.

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Speaker 1: In our thirties. Now.

404
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Speaker 2: That's what happens when you go on the skate portal

405
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Speaker 2: because you're you're single, your high income earner, like all

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Speaker 2: those things that you would think like should be celebrated

407
00:18:26,880 --> 00:18:29,240
Speaker 2: are actually penalties when it comes to getting your own

408
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Speaker 2: health care.

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Speaker 1: So yeah, I feel you. Those were our life updates.

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Speaker 1: Let's get into Buzzworthy's just going to get into some headlines.

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Speaker 1: I think a lot of what we're talking about can

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Speaker 1: tie into some of the stuff that's in the news. Mark,

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Speaker 1: I kind of think of you as like one of

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Speaker 1: the financial educators who does follow markets, because I mean,

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Speaker 1: you teach investing through Better Wallet.

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Speaker 3: Right, Oh yeah, and it's like what I've been doing

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Speaker 3: for like the last fifteen years. I guess at this

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Speaker 3: point the fifteen Yeah, I mean.

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Speaker 1: Some of your invest Yeah, since your Vanguard date.

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Speaker 3: From college to Vanguard to fintech to private equity to

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Speaker 3: now yeah, about fifteen.

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Speaker 1: Well, then do you want to do a little market's update?

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Speaker 1: Was your intel fresh?

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Speaker 4: Yeah?

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Speaker 1: Going on, how's it been?

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Speaker 3: So the markets are a little choppy now as they

427
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Speaker 3: were back in April. So most people know that the

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00:19:23,240 --> 00:19:25,680
Speaker 3: terriffs that it came from the Trump administration.

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Speaker 4: Rle of the markets is lack.

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Speaker 3: It's less of having the terrifts because we've had terrifts

431
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Speaker 3: forever and they've had terrifts on us being the other countries.

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Speaker 3: I think the challenge is there's a lot of uncertainty,

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Speaker 3: and the market doesn't like uncertainty no matter what it is.

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00:19:43,119 --> 00:19:47,120
Speaker 3: So recently, over the last couple of days, the administration

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00:19:47,320 --> 00:19:50,280
Speaker 3: came out and added some new tariffs and letters being

436
00:19:50,320 --> 00:19:53,600
Speaker 3: sent out to different countries specifically like the brick countries

437
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Speaker 3: out there. And now the market's a little bit more choppy, right,

438
00:19:57,320 --> 00:20:00,359
Speaker 3: I think the market dipped about one percent yes today,

439
00:20:00,520 --> 00:20:05,800
Speaker 3: even though we had an amazing upswing going from Sorry,

440
00:20:05,880 --> 00:20:09,760
Speaker 3: look at my calendar up here from May June into July. So,

441
00:20:10,440 --> 00:20:13,400
Speaker 3: I mean the story remains the same, right when you're

442
00:20:13,440 --> 00:20:15,880
Speaker 3: investing into the market. It's really my intel's old.

443
00:20:15,880 --> 00:20:17,920
Speaker 1: That's from yesterday. It's like simples up.

444
00:20:18,160 --> 00:20:21,560
Speaker 2: Well, is not too bad that that is still up?

445
00:20:22,119 --> 00:20:23,800
Speaker 4: Yeah, it's still up. So I think we're.

446
00:20:23,720 --> 00:20:26,199
Speaker 1: Still like regular investors.

447
00:20:27,119 --> 00:20:27,679
Speaker 2: We're still up.

448
00:20:27,720 --> 00:20:30,159
Speaker 3: You're to date, I mean a month to date, not

449
00:20:30,200 --> 00:20:33,800
Speaker 3: so much. But I think after having a major dip

450
00:20:33,880 --> 00:20:36,400
Speaker 3: like that, we always see like a pretty big upswing

451
00:20:36,960 --> 00:20:40,120
Speaker 3: over the short term. So again, it's like you can't

452
00:20:40,160 --> 00:20:43,520
Speaker 3: control anything in the market. You definitely can't control this administration.

453
00:20:44,240 --> 00:20:47,280
Speaker 3: So the end of the day, just stay focused on

454
00:20:47,320 --> 00:20:49,679
Speaker 3: your goals. Continue to put as much money as you

455
00:20:49,760 --> 00:20:53,159
Speaker 3: can into the market, try to be consistent in doing so,

456
00:20:53,320 --> 00:20:55,879
Speaker 3: and trying to take more of the noise, because you

457
00:20:55,880 --> 00:20:59,360
Speaker 3: would drive yourself crazy if you're sitting and focusing on

458
00:20:59,359 --> 00:21:02,919
Speaker 3: what the market is to do every single day, just

459
00:21:03,040 --> 00:21:04,240
Speaker 3: control the controllabooks.

460
00:21:04,600 --> 00:21:07,639
Speaker 1: Well, what's funny is that this episode is going to

461
00:21:07,680 --> 00:21:12,520
Speaker 1: air tomorrow the ninth, and we had Raquel Odin from HSBC.

462
00:21:12,720 --> 00:21:15,840
Speaker 1: She's in dang well you know these titles and investment banks,

463
00:21:15,880 --> 00:21:18,920
Speaker 1: like she has some fancy title. She's a wealth management boss.

464
00:21:18,720 --> 00:21:22,560
Speaker 1: She's the manager of a bunch of wealth advisors. Anyway,

465
00:21:22,560 --> 00:21:24,080
Speaker 1: And when she came on the show, this was back

466
00:21:24,080 --> 00:21:26,680
Speaker 1: in May, she was like July ninth, July ninth, July ninth.

467
00:21:26,720 --> 00:21:28,720
Speaker 1: At that time, that was the deadline for these new

468
00:21:28,760 --> 00:21:31,760
Speaker 1: tariffs to start. It's very like confusing. Some of the

469
00:21:31,800 --> 00:21:34,360
Speaker 1: tariffs have been implemented, but there's been all these pauses

470
00:21:34,400 --> 00:21:37,600
Speaker 1: that have been granted and extensions on certain countries. So

471
00:21:38,160 --> 00:21:40,200
Speaker 1: this July ninth date, as of a couple days ago,

472
00:21:40,240 --> 00:21:42,760
Speaker 1: is now no longer July ninth. Now it's August first.

473
00:21:43,080 --> 00:21:47,159
Speaker 1: So I don't think at a consumer level, I have

474
00:21:47,320 --> 00:21:52,720
Speaker 1: not seen the massive spikes in prices of like consumer goods,

475
00:21:52,800 --> 00:21:55,199
Speaker 1: like going to the grocery store, going to TJ Max. Like,

476
00:21:55,840 --> 00:21:57,639
Speaker 1: you know a lot of our clothes and everything, our

477
00:21:57,680 --> 00:22:00,760
Speaker 1: home goods come from overseas. I don't like that has

478
00:22:00,840 --> 00:22:04,439
Speaker 1: really hit the American consumers yet because there's been all

479
00:22:04,440 --> 00:22:07,320
Speaker 1: this talk of the real big tariffs, but they actually

480
00:22:07,400 --> 00:22:10,840
Speaker 1: it's been this negotiating and this bargaining chip that you

481
00:22:10,880 --> 00:22:13,560
Speaker 1: know that keeps getting pushed further and further out. Yep,

482
00:22:13,720 --> 00:22:14,400
Speaker 1: that's my take.

483
00:22:14,600 --> 00:22:16,840
Speaker 2: Yeah, it makes sense. Although when it comes to retail,

484
00:22:16,840 --> 00:22:18,440
Speaker 2: I would say inventory. I mean I used to work

485
00:22:18,440 --> 00:22:21,080
Speaker 2: at the Gap and we would do overnight shifts and

486
00:22:21,160 --> 00:22:25,280
Speaker 2: like we would get inventory for three to four months out.

487
00:22:25,119 --> 00:22:27,200
Speaker 1: Who he did the overnight shifts. It was always the

488
00:22:27,240 --> 00:22:27,800
Speaker 1: cool kids.

489
00:22:28,000 --> 00:22:30,360
Speaker 2: You know, it was cool kids, but those kids.

490
00:22:30,160 --> 00:22:31,800
Speaker 4: Were the overnight the graveyard.

491
00:22:32,200 --> 00:22:34,080
Speaker 2: It was also the bro kids who like had to

492
00:22:34,080 --> 00:22:36,040
Speaker 2: pick up the shift. Nobody else wanted into the gap.

493
00:22:36,400 --> 00:22:38,280
Speaker 1: No no, I worked at the Gap too, but it

494
00:22:38,320 --> 00:22:40,960
Speaker 1: was like the older people, like the single dads, like

495
00:22:41,040 --> 00:22:43,280
Speaker 1: I don't know, it's just maybe not cool, but just

496
00:22:43,320 --> 00:22:46,320
Speaker 1: like delinquent.

497
00:22:46,880 --> 00:22:48,920
Speaker 2: Well, because it's because of the type of work you do.

498
00:22:49,000 --> 00:22:51,119
Speaker 2: So with the overnight shifts, it's the truck coming in,

499
00:22:51,160 --> 00:22:52,800
Speaker 2: so you really need a lot of those guys to

500
00:22:52,920 --> 00:22:54,680
Speaker 2: like pull everything off the truck and then you got

501
00:22:54,720 --> 00:22:56,399
Speaker 2: all the meals who are going to put on them

502
00:22:56,560 --> 00:22:58,360
Speaker 2: put it on the models and stuff, and like they

503
00:22:58,400 --> 00:23:00,639
Speaker 2: give you the visual of exactly how the model has

504
00:23:00,680 --> 00:23:02,520
Speaker 2: the mannequin has to look, so they would get the

505
00:23:02,520 --> 00:23:05,080
Speaker 2: detail oriented girls. Hello, the fashion girl needs to come

506
00:23:05,080 --> 00:23:07,800
Speaker 2: in and do the mannekins. But I just remember, like

507
00:23:07,880 --> 00:23:10,439
Speaker 2: I would if it was March, we were already getting

508
00:23:10,480 --> 00:23:13,920
Speaker 2: everything for the fall. So even though you might be thinking, oh,

509
00:23:13,920 --> 00:23:15,840
Speaker 2: should I run in by back to school stuff now,

510
00:23:15,920 --> 00:23:19,040
Speaker 2: because when these tariffs kick in, it doesn't always immediately

511
00:23:19,040 --> 00:23:21,520
Speaker 2: affect prices that way. So that's the problem with the economy.

512
00:23:21,560 --> 00:23:23,679
Speaker 2: People try to read things immediately, and that's why the

513
00:23:23,720 --> 00:23:25,840
Speaker 2: market goes up and down so quickly because people think

514
00:23:25,880 --> 00:23:28,680
Speaker 2: that the impact is going to be immediate, and usually

515
00:23:28,920 --> 00:23:30,600
Speaker 2: that's not the case, right, And.

516
00:23:30,520 --> 00:23:33,440
Speaker 3: A lot of these companies frontloaded as well. So as

517
00:23:33,480 --> 00:23:36,400
Speaker 3: soon as Trump started talking about these tariffs, they went

518
00:23:36,480 --> 00:23:38,320
Speaker 3: and they tried to bring in as much as they could.

519
00:23:38,440 --> 00:23:42,240
Speaker 3: So when whatever the date is, you know, July the

520
00:23:42,359 --> 00:23:45,119
Speaker 3: ninth or April at first comes up, they arey frontloaded

521
00:23:45,160 --> 00:23:47,439
Speaker 3: for a year or so. That way, they don't have

522
00:23:47,480 --> 00:23:50,760
Speaker 3: to implement those taxes or tariffs until much later. I

523
00:23:50,840 --> 00:23:52,679
Speaker 3: think the other issue that we're going to see and

524
00:23:52,800 --> 00:23:55,840
Speaker 3: I mean the administration has already been on like companies

525
00:23:55,840 --> 00:23:59,080
Speaker 3: like Amazon about it is they're trying to somewhat hide

526
00:23:59,280 --> 00:24:02,680
Speaker 3: the tariffs in the way where I think Amazon came

527
00:24:02,720 --> 00:24:05,280
Speaker 3: out with it was like quick, maybe within an hour

528
00:24:05,400 --> 00:24:08,919
Speaker 3: or there was like an hour of time where they

529
00:24:09,160 --> 00:24:11,879
Speaker 3: had the price, but then they have the tariffs that

530
00:24:11,960 --> 00:24:15,119
Speaker 3: were added to the price, and they are clear to

531
00:24:15,240 --> 00:24:17,600
Speaker 3: have that as a line item. Than the administration went

532
00:24:17,640 --> 00:24:20,919
Speaker 3: after them and said, now to kick that out because

533
00:24:20,920 --> 00:24:23,480
Speaker 3: that's going to make us look bad. So I thought

534
00:24:23,520 --> 00:24:25,840
Speaker 3: that was I use the word interesting.

535
00:24:25,920 --> 00:24:28,080
Speaker 1: But tactic. Do they still do that or did they

536
00:24:28,119 --> 00:24:28,560
Speaker 1: stop it?

537
00:24:28,720 --> 00:24:30,400
Speaker 2: They stopped, they stopped, they stopped?

538
00:24:31,440 --> 00:24:34,480
Speaker 1: Oh lording. Well, a couple other quick updates. I checked

539
00:24:34,520 --> 00:24:38,719
Speaker 1: on mortgage rates. They're still pretty high post six percent,

540
00:24:38,840 --> 00:24:41,440
Speaker 1: six between six and seven percent. That hasn't really changed much.

541
00:24:41,840 --> 00:24:43,920
Speaker 1: I was happy to see gas prices are down twelve

542
00:24:43,960 --> 00:24:46,159
Speaker 1: percent from last year, especially since my dad has a

543
00:24:46,160 --> 00:24:48,359
Speaker 1: big ass truck that I have to fuel up when

544
00:24:48,400 --> 00:24:51,359
Speaker 1: I come to visit him and drive him around. Ye.

545
00:24:52,080 --> 00:24:54,880
Speaker 1: But yeah, gas prices have been pretty low and overall

546
00:24:55,359 --> 00:25:00,520
Speaker 1: inflation is only up two point eight percent over a year,

547
00:25:01,520 --> 00:25:05,040
Speaker 1: so that's good news. I think for like people who

548
00:25:05,400 --> 00:25:07,920
Speaker 1: who have everyday essentials to buy, which is all of us.

549
00:25:08,960 --> 00:25:11,119
Speaker 1: Else didn't want to talk about, Oh the credit score,

550
00:25:11,560 --> 00:25:13,720
Speaker 1: so there. I wanted to get y'all's thoughts on fighto

551
00:25:13,840 --> 00:25:15,800
Speaker 1: FiOS rolling out a new credit score that are going

552
00:25:15,880 --> 00:25:19,240
Speaker 1: to start factoring and buy now Pay later, those like

553
00:25:19,280 --> 00:25:22,919
Speaker 1: affirm Klarna's yep, and I wanted to I'd like to

554
00:25:22,920 --> 00:25:25,480
Speaker 1: get y'all's take on it, because y'all, you're out there

555
00:25:25,480 --> 00:25:29,360
Speaker 1: really educating people about, you know, using these types of services,

556
00:25:29,480 --> 00:25:31,760
Speaker 1: and I think they've been I've heard a lot of

557
00:25:31,840 --> 00:25:34,040
Speaker 1: like be cautious about it because it's like an easy

558
00:25:34,040 --> 00:25:36,879
Speaker 1: way to take on more debt. But could it also

559
00:25:36,960 --> 00:25:42,119
Speaker 1: be a way for the un banked underbanked to build

560
00:25:42,160 --> 00:25:43,280
Speaker 1: credit potentially?

561
00:25:43,680 --> 00:25:45,879
Speaker 2: Yeah, I mean I would. I would say I definitely

562
00:25:45,920 --> 00:25:48,879
Speaker 2: think it can be helpful when used correctly. Just like

563
00:25:48,920 --> 00:25:51,000
Speaker 2: a credit card, there's gonna be people who are to say,

564
00:25:51,040 --> 00:25:53,120
Speaker 2: cut them up, don't use it, is bad da da dah.

565
00:25:53,119 --> 00:25:56,159
Speaker 2: But when used properly and correctly, it can definitely be

566
00:25:56,200 --> 00:25:59,360
Speaker 2: advantageous to you in your financial situation. Same thing would

567
00:25:59,359 --> 00:26:01,439
Speaker 2: buy now Pay later if you're using it properly. But

568
00:26:01,440 --> 00:26:03,399
Speaker 2: if you're depending on it and doing all these like

569
00:26:03,400 --> 00:26:05,600
Speaker 2: payments and you can't keep up. Then of course it's

570
00:26:05,680 --> 00:26:07,719
Speaker 2: you know, when you abuse of anything and don't use

571
00:26:07,720 --> 00:26:09,680
Speaker 2: it properly, it's going to be hurtful for you financially.

572
00:26:10,000 --> 00:26:12,360
Speaker 2: But I would say with the fycal score thing, I'm

573
00:26:12,359 --> 00:26:14,639
Speaker 2: not gonna lie. I think it's personally. I went live

574
00:26:14,640 --> 00:26:15,960
Speaker 2: about this a couple of days ago too and talked

575
00:26:15,960 --> 00:26:19,520
Speaker 2: about it, But I feel like it's overhyped because the

576
00:26:19,640 --> 00:26:24,920
Speaker 2: actual lenders have to choose which Fyco score model they're

577
00:26:24,960 --> 00:26:28,800
Speaker 2: going to check, and unless they opt into the Fyco

578
00:26:28,920 --> 00:26:31,199
Speaker 2: model that actually includes by now pay later, which is

579
00:26:31,200 --> 00:26:34,440
Speaker 2: called the FICO ten BNPL score, Like it's a new

580
00:26:34,760 --> 00:26:37,000
Speaker 2: it's a whole new algorithm and it says in the

581
00:26:37,040 --> 00:26:40,000
Speaker 2: name of the score BNPL. So if they don't check

582
00:26:40,160 --> 00:26:44,120
Speaker 2: that specific score using that algorithm, that data's not going

583
00:26:44,160 --> 00:26:46,160
Speaker 2: to matter. They're still just gonna run up your regular

584
00:26:46,200 --> 00:26:48,439
Speaker 2: old five goal ten Fyco nine fi Go eight. So

585
00:26:48,600 --> 00:26:50,879
Speaker 2: I really do think it's important for us to start

586
00:26:50,880 --> 00:26:53,480
Speaker 2: paying attention. When you're going to apply for a mortgage,

587
00:26:53,880 --> 00:26:57,320
Speaker 2: ask go and inquire which fi coscore are you checking,

588
00:26:57,800 --> 00:27:00,159
Speaker 2: because you might think you're putting all this work to

589
00:27:00,160 --> 00:27:01,879
Speaker 2: buy it now, pay later to boost your score, and

590
00:27:01,920 --> 00:27:04,720
Speaker 2: that might have no impact on what lenders even see

591
00:27:04,800 --> 00:27:07,359
Speaker 2: because they're going to check a completely different algorithm. So

592
00:27:07,440 --> 00:27:09,560
Speaker 2: I know it can sound a little complex, but there

593
00:27:09,600 --> 00:27:12,439
Speaker 2: are multiple different algorithms used, and they each have different names,

594
00:27:12,680 --> 00:27:16,240
Speaker 2: and the FICO model that includes BNPL is a separate one.

595
00:27:16,280 --> 00:27:17,959
Speaker 2: It's not going to be included in the one that

596
00:27:18,119 --> 00:27:22,040
Speaker 2: most lenders use. So just don't be shocked if there's

597
00:27:22,080 --> 00:27:24,080
Speaker 2: not really much of a bump to your credit or

598
00:27:24,119 --> 00:27:26,560
Speaker 2: to applications that you're putting out and you're expecting to

599
00:27:26,560 --> 00:27:28,800
Speaker 2: get approved and things like that, it might not actually

600
00:27:28,840 --> 00:27:30,600
Speaker 2: affect you as much in a positive way as you

601
00:27:30,680 --> 00:27:33,119
Speaker 2: might think because it's a completely separate score that a

602
00:27:33,119 --> 00:27:35,280
Speaker 2: lot of lenders might not even opt into using that

603
00:27:35,359 --> 00:27:35,960
Speaker 2: score at all.

604
00:27:36,160 --> 00:27:39,080
Speaker 3: Yeah, if it's not reported, then it's just like it

605
00:27:39,119 --> 00:27:41,600
Speaker 3: never even happened. But I think it's good. I mean,

606
00:27:41,640 --> 00:27:45,200
Speaker 3: eventually it will be used to have a well rounded

607
00:27:45,280 --> 00:27:48,480
Speaker 3: understanding of how people treat credit and making payments and

608
00:27:48,480 --> 00:27:50,800
Speaker 3: things like that. I think it will help to boost credit.

609
00:27:51,840 --> 00:27:54,720
Speaker 3: But to you, it's point, I don't think it's going

610
00:27:54,800 --> 00:27:57,399
Speaker 3: to have an immediate impact in the short term, but over.

611
00:27:57,280 --> 00:27:59,679
Speaker 4: The long term, I think it's a going the right direction.

612
00:28:00,280 --> 00:28:02,399
Speaker 2: Yeah, for sure. I mean it it's about time like

613
00:28:02,440 --> 00:28:05,480
Speaker 2: that these models included non traditional credit types, and I

614
00:28:05,520 --> 00:28:07,040
Speaker 2: could go on my high horse about this, but I

615
00:28:07,080 --> 00:28:09,200
Speaker 2: wrote about it in my book how there's so many

616
00:28:09,240 --> 00:28:12,479
Speaker 2: credit types that are completely ignored by the financial system,

617
00:28:12,640 --> 00:28:15,320
Speaker 2: right like when you get rent to own payments, when

618
00:28:15,359 --> 00:28:18,880
Speaker 2: you have private score, Catholic score, religious school payments, when

619
00:28:18,920 --> 00:28:22,119
Speaker 2: you go and do like layaway plans. When there's so

620
00:28:22,160 --> 00:28:25,200
Speaker 2: many different things that people pay every single month that

621
00:28:25,400 --> 00:28:28,719
Speaker 2: don't get reported to the credit bureaus. So when you

622
00:28:28,720 --> 00:28:30,680
Speaker 2: pay your light, build, your gas bill, your electric bill,

623
00:28:30,880 --> 00:28:33,800
Speaker 2: those things do not get reported on your credit necessarily

624
00:28:33,880 --> 00:28:36,760
Speaker 2: unless you don't pay it. Then it does get reported

625
00:28:37,080 --> 00:28:40,000
Speaker 2: as a negative remark on your report. So to me,

626
00:28:40,080 --> 00:28:43,000
Speaker 2: it's like I wrote in my book, like heads you lose,

627
00:28:43,120 --> 00:28:46,040
Speaker 2: tails you lose because if you pay everything on time,

628
00:28:46,400 --> 00:28:48,600
Speaker 2: it doesn't help you. But if you pay it late,

629
00:28:48,880 --> 00:28:50,560
Speaker 2: it doesn't help. It hurts you. So it's like, no

630
00:28:50,560 --> 00:28:53,200
Speaker 2: matter what you do, it doesn't help you. So I

631
00:28:53,280 --> 00:28:56,560
Speaker 2: really do think it is long overdue that Fyico redoes

632
00:28:56,600 --> 00:28:59,480
Speaker 2: the algorithm and starts to include things that, let's be real,

633
00:28:59,520 --> 00:29:02,760
Speaker 2: predominantly low income communities tend to rely on like rent

634
00:29:02,800 --> 00:29:05,840
Speaker 2: to own, you know, making monthly payments on things that

635
00:29:05,880 --> 00:29:09,040
Speaker 2: are not necessarily a credit card or personal.

636
00:29:08,920 --> 00:29:10,640
Speaker 1: I don't know, though, I actually been using. I bought

637
00:29:10,640 --> 00:29:12,280
Speaker 1: my husband at grill and I was like, yeah, I

638
00:29:12,280 --> 00:29:14,360
Speaker 1: don't want to pay upfront. Why not? It's no interest.

639
00:29:14,360 --> 00:29:17,800
Speaker 1: So I got it on an affirm loan. No, but

640
00:29:17,840 --> 00:29:19,480
Speaker 1: that's a good point. I remember when I used to

641
00:29:19,560 --> 00:29:21,840
Speaker 1: work at lending Tree, we would write and magnify money.

642
00:29:21,840 --> 00:29:24,640
Speaker 1: I did content for them, and we the number of

643
00:29:25,080 --> 00:29:28,080
Speaker 1: credit scores, like and you're right, there's so many variations

644
00:29:28,120 --> 00:29:31,760
Speaker 1: and you got the vantage score. They are products that

645
00:29:31,840 --> 00:29:35,240
Speaker 1: these credit bureaus sell, you know, so they have a

646
00:29:35,320 --> 00:29:39,000
Speaker 1: vested interest in creating a different model to entice these

647
00:29:39,120 --> 00:29:41,720
Speaker 1: lenders to purchase this different model, like, oh, well, try

648
00:29:41,720 --> 00:29:43,959
Speaker 1: our brand new fight what'd you call it? A FICO

649
00:29:44,200 --> 00:29:49,440
Speaker 1: BNPO ten BNPL. Yeah, but then the old krusty, dusty mortgage,

650
00:29:49,480 --> 00:29:52,280
Speaker 1: like the lenders like banks, they'll be using FIKO two

651
00:29:52,520 --> 00:29:53,920
Speaker 1: from like nineteen ninety four.

652
00:29:54,280 --> 00:29:55,920
Speaker 3: Yeah, you know, so that takes them a long time

653
00:29:55,960 --> 00:29:59,560
Speaker 3: to update. I try to actually get a business loan

654
00:29:59,640 --> 00:30:02,840
Speaker 3: from and see that. You know, I've been with P

655
00:30:02,960 --> 00:30:06,200
Speaker 3: and C since college. It was my first bank, and yeah,

656
00:30:06,280 --> 00:30:08,360
Speaker 3: it was like, I have the money to cash flow it,

657
00:30:08,440 --> 00:30:10,240
Speaker 3: but why not just take out a loan and boost

658
00:30:10,320 --> 00:30:13,000
Speaker 3: my business credit? And it was only for you know,

659
00:30:13,040 --> 00:30:16,040
Speaker 3: twenty thousand dollars only, but in my head, it's not

660
00:30:16,160 --> 00:30:19,040
Speaker 3: too much. And it came back to me and said, oh, well,

661
00:30:19,240 --> 00:30:22,520
Speaker 3: you're we don't believe you're a business. Basically, it's not

662
00:30:22,600 --> 00:30:25,120
Speaker 3: like an legit business. It's not like a you know,

663
00:30:25,280 --> 00:30:28,360
Speaker 3: mom and pop shop. It's not like a mid sized company.

664
00:30:28,440 --> 00:30:31,320
Speaker 3: And they were like, oh, so you're making money from

665
00:30:31,360 --> 00:30:33,800
Speaker 3: being on the internet and like being a financial coach

666
00:30:33,840 --> 00:30:36,160
Speaker 3: and things like that, and they actually didn't give me

667
00:30:36,200 --> 00:30:37,800
Speaker 3: a loan, and I was like, you know what, I

668
00:30:37,840 --> 00:30:39,800
Speaker 3: can really put you on blast right now, but I'm

669
00:30:39,800 --> 00:30:41,440
Speaker 3: not going to do that. But I'm going to inform

670
00:30:41,520 --> 00:30:43,840
Speaker 3: you and like try to educate you on what my

671
00:30:43,960 --> 00:30:46,840
Speaker 3: business is doing, even though you have five years of

672
00:30:47,920 --> 00:30:49,960
Speaker 3: enough money coming in where you should be able to

673
00:30:49,960 --> 00:30:52,720
Speaker 3: give me a loan. And the moral stories that I

674
00:30:52,760 --> 00:30:54,800
Speaker 3: think a lot of these banks they just they think

675
00:30:54,960 --> 00:30:58,040
Speaker 3: very old school and they're not hype. They're not up

676
00:30:58,080 --> 00:31:00,840
Speaker 3: to up to speed with like what is happening in

677
00:31:00,920 --> 00:31:03,360
Speaker 3: his world today, where a lot of these gen Zers

678
00:31:03,440 --> 00:31:07,360
Speaker 3: or even our generation where we're building businesses on internet

679
00:31:07,440 --> 00:31:09,560
Speaker 3: and it's not a brick and mortar type of company

680
00:31:09,560 --> 00:31:11,720
Speaker 3: where you can say, hey, here's the address for the business.

681
00:31:12,000 --> 00:31:13,920
Speaker 3: You know, come see us or what have you. So

682
00:31:14,560 --> 00:31:17,000
Speaker 3: they're still catching up. And I would imagine with this

683
00:31:17,120 --> 00:31:20,120
Speaker 3: whole buy ol pay layer and having that part of

684
00:31:20,160 --> 00:31:22,640
Speaker 3: your FIICO, that's going to be just something else they

685
00:31:22,680 --> 00:31:25,160
Speaker 3: need to catch up on and probably won't see any

686
00:31:25,320 --> 00:31:29,560
Speaker 3: true impact of it over the next few years, I'll say,

687
00:31:29,560 --> 00:31:31,200
Speaker 3: five years from now maybe Yep.

688
00:31:31,320 --> 00:31:31,680
Speaker 2: Agreed.

689
00:31:31,800 --> 00:31:34,360
Speaker 1: It's crazy how like an entire country can have just

690
00:31:34,480 --> 00:31:37,719
Speaker 1: passed into law a bill that would you know, increase

691
00:31:37,760 --> 00:31:40,480
Speaker 1: our deficit by three trillion dollars over the next ten years.

692
00:31:40,520 --> 00:31:43,440
Speaker 1: But like it's totally fine. Here you go take some money.

693
00:31:43,960 --> 00:31:46,240
Speaker 1: It's fine. That's why, you know, at the big, beautiful

694
00:31:46,240 --> 00:31:49,440
Speaker 1: bill passing into law and the fact that it you know,

695
00:31:49,480 --> 00:31:51,320
Speaker 1: Trump signed it on the fourth of July, it was

696
00:31:51,400 --> 00:31:54,400
Speaker 1: just the kind of pomp and circumstance that he loves.

697
00:31:55,040 --> 00:31:57,120
Speaker 1: But if you want to pivot into that quickly, I

698
00:31:57,160 --> 00:32:01,240
Speaker 1: feel like you see how quickly the systems beat us down,

699
00:32:01,360 --> 00:32:04,400
Speaker 1: like the regular people, the everyday working class, like the

700
00:32:04,440 --> 00:32:07,920
Speaker 1: systems that are used to block us from access to capital,

701
00:32:08,400 --> 00:32:14,080
Speaker 1: to safe fair housing, like good schools, you know, good food,

702
00:32:14,160 --> 00:32:17,800
Speaker 1: like those types of systems, How quickly those rules don't exist,

703
00:32:18,120 --> 00:32:21,920
Speaker 1: or how they are broken down for the wealthy, you know,

704
00:32:22,160 --> 00:32:25,080
Speaker 1: for the powerful. And I've been thinking a lot more

705
00:32:25,120 --> 00:32:29,760
Speaker 1: about how how these major corporations, so many of them,

706
00:32:30,200 --> 00:32:34,320
Speaker 1: like they're they're cash flow negative, like literally not making

707
00:32:34,360 --> 00:32:37,040
Speaker 1: no money. They have so much debt, they're all debt,

708
00:32:37,240 --> 00:32:39,680
Speaker 1: you know, but they're going to look at your business mark,

709
00:32:39,920 --> 00:32:42,320
Speaker 1: you know, and you're you know, for five years of

710
00:32:43,480 --> 00:32:46,440
Speaker 1: five the past five years, like you said, bringing in capital,

711
00:32:46,520 --> 00:32:48,680
Speaker 1: you have a built in audience, like you have all

712
00:32:48,720 --> 00:32:53,680
Speaker 1: your receipts, but for whatever reason, you're not going to

713
00:32:53,760 --> 00:32:57,280
Speaker 1: get access to the same tools that you know, this

714
00:32:57,480 --> 00:33:00,320
Speaker 1: old class, old school kind of group is and that

715
00:33:00,480 --> 00:33:02,720
Speaker 1: just as Yeah, it's really frustrating, yep.

716
00:33:02,720 --> 00:33:04,800
Speaker 2: And when you look at the credit types, it's so different,

717
00:33:04,880 --> 00:33:06,920
Speaker 2: like if you had been applying for twenty thousand dollars

718
00:33:06,920 --> 00:33:09,200
Speaker 2: a student loan, that they would have approved it before

719
00:33:09,200 --> 00:33:12,360
Speaker 2: you hit the submit button, so it's wild to me

720
00:33:12,440 --> 00:33:14,480
Speaker 2: that they won't allow you to grow a business this country,

721
00:33:14,480 --> 00:33:19,160
Speaker 2: which is literally built on capitalists, Like you're trying to

722
00:33:19,400 --> 00:33:22,160
Speaker 2: generate capital with your business and get an investment in that,

723
00:33:22,240 --> 00:33:24,800
Speaker 2: and that is literally what this country is predicated on.

724
00:33:24,880 --> 00:33:27,520
Speaker 2: And yet they're like, oh no, because it's not the

725
00:33:27,560 --> 00:33:30,640
Speaker 2: way that we like it to be done, versus it's

726
00:33:30,800 --> 00:33:32,560
Speaker 2: wild to me. And that is just a testament to

727
00:33:32,600 --> 00:33:36,080
Speaker 2: how the entire system in terms of government, in terms

728
00:33:36,120 --> 00:33:40,320
Speaker 2: of like financial systems, education systems, all of the systemic

729
00:33:40,480 --> 00:33:44,560
Speaker 2: barriers that exist, it's because they're dinosaur systems that don't

730
00:33:44,840 --> 00:33:47,680
Speaker 2: want to change, Like they really resist change. It's so

731
00:33:47,960 --> 00:33:51,800
Speaker 2: hard to change laws or to educate lawmakers who are

732
00:33:51,800 --> 00:33:53,920
Speaker 2: in their seventies and eighties and they're still sitting in

733
00:33:53,960 --> 00:33:56,840
Speaker 2: their positions of power with very little understanding of how

734
00:33:56,880 --> 00:33:59,920
Speaker 2: the world works today. You know, Like one little example

735
00:34:00,040 --> 00:34:01,959
Speaker 2: that gets under my skin when I go state by

736
00:34:02,000 --> 00:34:06,560
Speaker 2: state lobbying for financial education laws. You hear these people say, oh, yeah,

737
00:34:06,720 --> 00:34:09,120
Speaker 2: financial literacy education is so important. We have to teach

738
00:34:09,120 --> 00:34:11,319
Speaker 2: these kids how to write a check and how to

739
00:34:11,360 --> 00:34:16,120
Speaker 2: balance a check book. And I'm like, what, No, something

740
00:34:16,200 --> 00:34:17,759
Speaker 2: not going to do that? Anymore, what do you talk

741
00:34:17,880 --> 00:34:20,040
Speaker 2: We're just we're talking about two different things and calling

742
00:34:20,080 --> 00:34:22,680
Speaker 2: it the same thing. And that is so sad because

743
00:34:22,680 --> 00:34:25,000
Speaker 2: it's just a generational disconnect. M.

744
00:34:26,200 --> 00:34:29,120
Speaker 3: Yeah, you have money management, then you have wealth generation.

745
00:34:29,560 --> 00:34:32,160
Speaker 3: What we teach about is wealth generation, not like how

746
00:34:32,200 --> 00:34:35,080
Speaker 3: to balance the check book. Like I remember those are

747
00:34:35,120 --> 00:34:37,279
Speaker 3: the classes I took in high school where they were

748
00:34:37,320 --> 00:34:39,440
Speaker 3: just talking about the accounting of it all. And I'm like,

749
00:34:39,760 --> 00:34:42,400
Speaker 3: we're not even going to use us into the into

750
00:34:42,400 --> 00:34:45,520
Speaker 3: the future. So so yeah, I think they need to

751
00:34:45,600 --> 00:34:48,320
Speaker 3: update the way they go about doing things, and I

752
00:34:48,360 --> 00:34:52,040
Speaker 3: think we'll see some change in the world, but who knows.

753
00:34:52,560 --> 00:34:55,160
Speaker 1: So the other thing with the big beautiful bell that

754
00:34:55,200 --> 00:34:58,560
Speaker 1: I wanted, so we've talked about the well, just the

755
00:34:58,600 --> 00:35:00,359
Speaker 1: cost of that. The fact that it's been signings law

756
00:35:01,120 --> 00:35:03,000
Speaker 1: there are you know, it's funny as I went to

757
00:35:03,080 --> 00:35:06,160
Speaker 1: White House dot gov to like see the announcement and

758
00:35:06,200 --> 00:35:10,000
Speaker 1: I have never seen It's giving I did my homework

759
00:35:10,040 --> 00:35:13,440
Speaker 1: on the school bus, Like it's like twelve bullet points.

760
00:35:13,920 --> 00:35:14,960
Speaker 4: That is the depth.

761
00:35:15,120 --> 00:35:17,440
Speaker 1: I know it's a nine hundred page piece of legislation,

762
00:35:17,520 --> 00:35:20,040
Speaker 1: but on the actual like here's what's going to change,

763
00:35:20,040 --> 00:35:23,279
Speaker 1: It's like literally nine bullet points of what's changing, and

764
00:35:23,320 --> 00:35:26,120
Speaker 1: it's really difficult to find out what the how do

765
00:35:26,200 --> 00:35:28,359
Speaker 1: these things actually go into effect? So a couple of

766
00:35:29,440 --> 00:35:31,640
Speaker 1: there are some positive things from this bill. Yeah, for

767
00:35:31,680 --> 00:35:35,960
Speaker 1: sure that I personally am thrilled with the increase to

768
00:35:36,000 --> 00:35:40,680
Speaker 1: the salt deduction, the fact that it's been increased from

769
00:35:40,719 --> 00:35:43,440
Speaker 1: ten thousand to forty thousand dollars, which is amazing because

770
00:35:43,440 --> 00:35:46,680
Speaker 1: my property taxes are in effingsaying it's like twenty thousand

771
00:35:46,680 --> 00:35:47,720
Speaker 1: dollars a year. Yeah.

772
00:35:47,760 --> 00:35:49,600
Speaker 2: Wait, is that one of the ones that is permanent

773
00:35:49,680 --> 00:35:53,000
Speaker 2: or temporary through twenty twenty eight, because it's sill A

774
00:35:53,040 --> 00:35:55,360
Speaker 2: good question, because that's the part about this bill that

775
00:35:55,400 --> 00:35:57,640
Speaker 2: frustrated me because we're out here celebrating so many things

776
00:35:57,680 --> 00:35:59,799
Speaker 2: about it, which, look, a win is the wind will

777
00:35:59,840 --> 00:36:02,319
Speaker 2: take get But most of the wins that we're talking

778
00:36:02,320 --> 00:36:04,600
Speaker 2: about expire in twenty twenty eight, and most of the

779
00:36:04,680 --> 00:36:07,920
Speaker 2: damage being done is permanent, So we really have like

780
00:36:08,000 --> 00:36:09,839
Speaker 2: that piece is what I really want people to pay

781
00:36:09,880 --> 00:36:11,880
Speaker 2: attention to because to your point, yeah, we can celebrate

782
00:36:11,880 --> 00:36:13,480
Speaker 2: these things, but then if it expires in twenty twenty

783
00:36:13,520 --> 00:36:16,160
Speaker 2: eight and all the really bad things keep going, what

784
00:36:16,360 --> 00:36:18,320
Speaker 2: is the net effect of the bill.

785
00:36:19,400 --> 00:36:23,120
Speaker 1: I think the salt is five years twenty twenty, okay,

786
00:36:23,400 --> 00:36:26,240
Speaker 1: nine or twenty thirty twenty nine thirty okay. Yeah.

787
00:36:26,480 --> 00:36:29,280
Speaker 3: The other challenge is that like after the four years

788
00:36:29,320 --> 00:36:32,640
Speaker 3: of this administration, they're going to use that against the

789
00:36:32,719 --> 00:36:34,920
Speaker 3: other party. Right, they're going to say, okay, well all

790
00:36:34,920 --> 00:36:38,240
Speaker 3: these things are expiring, and it saved all these people,

791
00:36:38,239 --> 00:36:40,799
Speaker 3: all types of money, and if you go with this

792
00:36:40,800 --> 00:36:43,359
Speaker 3: this other administration, then you're not going to get any

793
00:36:43,440 --> 00:36:45,680
Speaker 3: of that. I already know the language and the marketing

794
00:36:45,680 --> 00:36:46,399
Speaker 3: they're going to use.

795
00:36:47,400 --> 00:36:50,360
Speaker 1: Well, we've seen it before with the with the stimulus checks,

796
00:36:50,880 --> 00:36:53,719
Speaker 1: the that's right with his this is all you know,

797
00:36:53,760 --> 00:36:57,560
Speaker 1: the twenty seventeen Tax and Jobs, Jobs and Tax Cut

798
00:36:57,560 --> 00:36:59,960
Speaker 1: Act or whatever it was called, the original Trump tax.

799
00:36:59,719 --> 00:37:01,479
Speaker 2: Cuts, tax cuts and Jobs ACKed.

800
00:37:02,280 --> 00:37:04,960
Speaker 1: There you go, We got there in the end. So

801
00:37:05,000 --> 00:37:10,440
Speaker 1: it makes permanent some of those tax erase, those Trump

802
00:37:10,520 --> 00:37:13,319
Speaker 1: the original Trump era tax cuts that were set in

803
00:37:13,320 --> 00:37:15,480
Speaker 1: twenty seventeen. They were supposed to expire this year, so

804
00:37:15,480 --> 00:37:18,480
Speaker 1: they've extended those. I've got the listeners too. Yeah, the

805
00:37:18,560 --> 00:37:22,320
Speaker 1: higher state and local tax deduction that's up for five years.

806
00:37:23,000 --> 00:37:25,760
Speaker 1: I was very interested as a mom the Child's Tax

807
00:37:25,800 --> 00:37:30,480
Speaker 1: credit has been permanently increased, permanently. It's like, oh, America

808
00:37:30,520 --> 00:37:34,239
Speaker 1: did something for children for one nice yea permanently increased

809
00:37:34,280 --> 00:37:37,560
Speaker 1: four and that could impact up to forty million families.

810
00:37:38,400 --> 00:37:40,640
Speaker 1: It hasn't been increased a ton. I think it was

811
00:37:40,719 --> 00:37:43,560
Speaker 1: like two thousand dollars has been raised to like twenty

812
00:37:43,560 --> 00:37:46,680
Speaker 1: two hundred or something. But you know, we'll take it.

813
00:37:47,600 --> 00:37:49,239
Speaker 1: And then these and.

814
00:37:49,200 --> 00:37:51,399
Speaker 2: Then the Trump accounts also for kids, so be from

815
00:37:51,400 --> 00:37:51,960
Speaker 2: twenty twenty.

816
00:37:52,000 --> 00:37:53,680
Speaker 1: You don't want to call it a Trump account. I

817
00:37:53,719 --> 00:37:54,800
Speaker 1: just want a thousand dollars.

818
00:37:55,000 --> 00:37:56,560
Speaker 4: Origin was MAGA accounts.

819
00:37:56,680 --> 00:37:59,160
Speaker 2: So let's talk about the actual original name. It was

820
00:37:59,200 --> 00:38:02,280
Speaker 2: twenty nineteen baby Boss. In twenty nineteen, it was baby

821
00:38:02,280 --> 00:38:04,919
Speaker 2: bonds because it was Corey Booker and Aana Presley who

822
00:38:04,960 --> 00:38:07,640
Speaker 2: introduced this whole idea in a bill back in twenty nineteen,

823
00:38:07,640 --> 00:38:10,000
Speaker 2: which was baby bonds, And for years they were talking

824
00:38:10,040 --> 00:38:12,319
Speaker 2: about baby bonds, baby bonds, baby Bonce, which was every

825
00:38:12,400 --> 00:38:14,960
Speaker 2: baby that's born thousand dollars in the account they invested

826
00:38:15,000 --> 00:38:17,200
Speaker 2: in treasury bonds or in no cost equity. You know,

827
00:38:17,239 --> 00:38:19,680
Speaker 2: they decide and then that girls and girls and girls

828
00:38:19,719 --> 00:38:22,240
Speaker 2: and they get access when they're eighteen. Doesn't that sound familiar?

829
00:38:22,440 --> 00:38:25,520
Speaker 2: That was Corey Booker and Ayana Presley's bill for baby

830
00:38:25,520 --> 00:38:28,120
Speaker 2: bonds twenty nineteen, which did not go anywhere because didn't

831
00:38:28,120 --> 00:38:29,960
Speaker 2: get the support and needed. And now all of a sudden,

832
00:38:30,000 --> 00:38:32,520
Speaker 2: we have every baby getting a thousand dollars that you

833
00:38:32,520 --> 00:38:37,600
Speaker 2: can invest in an index. Exactly the same thing except idea, yeah, yeaheah,

834
00:38:37,600 --> 00:38:39,400
Speaker 2: except it's called the Trump account. It's just so funny

835
00:38:39,400 --> 00:38:40,839
Speaker 2: because that's the one thing I feel like a lot

836
00:38:40,840 --> 00:38:42,400
Speaker 2: of people have been sending, isn't this a good thing?

837
00:38:42,440 --> 00:38:44,080
Speaker 2: Isn't this a good thing? I'm like, yeah, So give

838
00:38:44,120 --> 00:38:46,399
Speaker 2: Corey Booker and Aana Presley their credit because they came

839
00:38:46,440 --> 00:38:47,640
Speaker 2: up with the baby bond's idea.

840
00:38:48,080 --> 00:38:49,680
Speaker 3: Every time I try to talk about it, like, I

841
00:38:50,040 --> 00:38:52,120
Speaker 3: bring that up just so people know, and I tag

842
00:38:52,280 --> 00:38:54,680
Speaker 3: Corey Booker because that's where originally came from.

843
00:38:54,680 --> 00:38:56,680
Speaker 2: That's called the baby bonds Trump accounts.

844
00:38:58,200 --> 00:39:01,000
Speaker 1: I love that so much more. I have a new

845
00:39:01,120 --> 00:39:04,920
Speaker 1: nephew that was just born in May. Hey, you baby, Alexander.

846
00:39:05,280 --> 00:39:07,560
Speaker 1: So I texted his mom and I was like, this

847
00:39:07,719 --> 00:39:09,759
Speaker 1: is coming, and she's like, cool, where do I sign up?

848
00:39:09,800 --> 00:39:12,840
Speaker 1: I said, I don't know. Nobody knows, it knows, Ye,

849
00:39:13,640 --> 00:39:17,640
Speaker 1: there's no information. Probably he's automatically signed up.

850
00:39:17,840 --> 00:39:18,160
Speaker 4: I don't.

851
00:39:18,200 --> 00:39:21,279
Speaker 3: Maybe chances are is going to be done by the

852
00:39:21,280 --> 00:39:25,560
Speaker 3: administration automatically being the Treasury Department, and then if not,

853
00:39:25,800 --> 00:39:28,239
Speaker 3: then the parents would have to go. Well, if the

854
00:39:28,280 --> 00:39:31,040
Speaker 3: parents don't do it initially, then the Treasury Department will

855
00:39:31,080 --> 00:39:33,880
Speaker 3: come in and do it automatically. I think the bigger

856
00:39:34,000 --> 00:39:37,480
Speaker 3: challenge is working with the institutions like the Vanguards and

857
00:39:37,480 --> 00:39:42,839
Speaker 3: Fidelitis atiyas to it. Yeah, so they'll probably custody through

858
00:39:43,280 --> 00:39:46,200
Speaker 3: some of the big studiends like TD and like Fidelity,

859
00:39:47,120 --> 00:39:50,480
Speaker 3: But it's more so of getting them on track because

860
00:39:50,719 --> 00:39:54,000
Speaker 3: you think the government works slowly the vanguards of the world,

861
00:39:54,160 --> 00:39:58,160
Speaker 3: the fidelis, well, let's Fidelity, but more vanguard. They work

862
00:39:58,360 --> 00:40:02,359
Speaker 3: very slowly and they're not They don't like change all

863
00:40:02,400 --> 00:40:04,440
Speaker 3: too much, hence.

864
00:40:04,200 --> 00:40:08,040
Speaker 4: The reason why I stopped working there. But that's going

865
00:40:08,080 --> 00:40:09,000
Speaker 4: to be a bigger challenge.

866
00:40:09,040 --> 00:40:11,520
Speaker 2: And just be aware of the rules because the rules

867
00:40:11,560 --> 00:40:13,560
Speaker 2: say that like the baby has to have a social

868
00:40:13,600 --> 00:40:16,839
Speaker 2: Security number and one at least one of the two

869
00:40:16,920 --> 00:40:20,600
Speaker 2: legal parents on the baby pir certificate must also have

870
00:40:20,719 --> 00:40:22,799
Speaker 2: a social Security number, so you know they're coming for

871
00:40:22,880 --> 00:40:25,759
Speaker 2: undocumented folks. But the point is you have to make

872
00:40:25,800 --> 00:40:28,640
Speaker 2: sure all of that stuff is very you know, thorough,

873
00:40:28,640 --> 00:40:31,560
Speaker 2: when you're doing your paperwork, when you're putting your child's

874
00:40:31,600 --> 00:40:34,080
Speaker 2: certificate together, getting all these people getting their socicurity numbers,

875
00:40:34,239 --> 00:40:37,040
Speaker 2: make sure everything is done correctly so that if you

876
00:40:37,080 --> 00:40:40,200
Speaker 2: do qualify, there's no issues getting your number from the system,

877
00:40:40,320 --> 00:40:42,040
Speaker 2: getting your baby correlated to their fathers.

878
00:40:42,120 --> 00:40:44,200
Speaker 1: Remember they're having to do anything to get a Social

879
00:40:44,200 --> 00:40:46,000
Speaker 1: Security number for my kids. I mean, I just had

880
00:40:46,000 --> 00:40:48,319
Speaker 1: one two years ago. Maybe there's something you fill out

881
00:40:48,320 --> 00:40:50,400
Speaker 1: when you're in the hospital, but there's that's pretty much it.

882
00:40:50,600 --> 00:40:51,440
Speaker 2: Yes, it is.

883
00:40:51,680 --> 00:40:55,880
Speaker 1: They're tracked from there. I think a thousand bucks for

884
00:40:55,920 --> 00:41:01,880
Speaker 1: every kid is wonderful. We got to take a quick break,

885
00:41:02,040 --> 00:41:04,120
Speaker 1: pay some bills, and we'll be right back.

886
00:41:04,880 --> 00:41:06,560
Speaker 2: I'm just gonna start calling them baby bonds, like I'm

887
00:41:06,600 --> 00:41:08,040
Speaker 2: just never going to say Trump account, Like it's just

888
00:41:08,080 --> 00:41:08,640
Speaker 2: not going to happen.

889
00:41:09,960 --> 00:41:12,960
Speaker 1: Baby bonds. Well, I wish I could tell you to

890
00:41:13,000 --> 00:41:15,200
Speaker 1: go to some website and sign up for your baby bond,

891
00:41:15,200 --> 00:41:17,680
Speaker 1: but your baby also has to have I'm out my

892
00:41:17,800 --> 00:41:20,520
Speaker 1: kids are out of there. They're too old. Because you

893
00:41:20,560 --> 00:41:23,120
Speaker 1: have to have been born in twenty twenty five.

894
00:41:23,239 --> 00:41:26,560
Speaker 2: Five yea on or after January first, twenty twenty five.

895
00:41:26,640 --> 00:41:29,080
Speaker 1: That's right. I guess I could. I could break off

896
00:41:29,120 --> 00:41:30,719
Speaker 1: a little something for them. I already do break off

897
00:41:30,719 --> 00:41:32,440
Speaker 1: a little something for them. But it's nice.

898
00:41:32,640 --> 00:41:36,480
Speaker 2: It's out there for sure, for sure because Toty Brokeradge

899
00:41:36,480 --> 00:41:38,759
Speaker 2: Accounts five twenty nine. You may, I mean you look,

900
00:41:39,320 --> 00:41:42,200
Speaker 2: there's no short short like there's we are not sure

901
00:41:42,280 --> 00:41:45,320
Speaker 2: of account types. What we are short on is educated

902
00:41:45,320 --> 00:41:49,800
Speaker 2: families and parents to understand the differences between these accounts, yes, exactly.

903
00:41:49,840 --> 00:41:53,200
Speaker 1: Yeah, and they're very short on that because there's nothing

904
00:41:53,200 --> 00:41:56,560
Speaker 1: on that website. And then the other text break which

905
00:41:56,960 --> 00:41:59,960
Speaker 1: break deduction like I'll use these words are use interchangeable.

906
00:42:00,239 --> 00:42:03,200
Speaker 1: But I was trying to understand the social Security one

907
00:42:03,239 --> 00:42:05,399
Speaker 1: because I mean, I think my parents are both over

908
00:42:05,440 --> 00:42:06,840
Speaker 1: sixty five? Now, what about y'all?

909
00:42:07,239 --> 00:42:08,399
Speaker 2: Mine are two? Yeah?

910
00:42:08,480 --> 00:42:12,400
Speaker 1: Same which And I'm their own official financial advisor for

911
00:42:12,440 --> 00:42:12,880
Speaker 1: real on.

912
00:42:12,960 --> 00:42:16,080
Speaker 2: Their entire retirement plan, and their financial advisor and their

913
00:42:16,160 --> 00:42:19,080
Speaker 2: allowance management person and.

914
00:42:17,920 --> 00:42:20,000
Speaker 4: Therapist and therapist.

915
00:42:20,440 --> 00:42:22,840
Speaker 1: Hey, all the things I can and hopes and dreams

916
00:42:22,880 --> 00:42:26,000
Speaker 1: all bottled. The one chauffeur oh, I don't have a.

917
00:42:26,000 --> 00:42:27,960
Speaker 2: Drums license, so that I'm got to deal with that one.

918
00:42:28,200 --> 00:42:31,160
Speaker 4: It's such a New Yorker, it's such a new response.

919
00:42:33,080 --> 00:42:36,120
Speaker 1: While the new tax package includes a deduction of up

920
00:42:36,200 --> 00:42:39,319
Speaker 1: to six thousand dollars for seniors ages sixty five and over,

921
00:42:39,400 --> 00:42:42,160
Speaker 1: don't get excited if you're either really really poor or

922
00:42:42,280 --> 00:42:45,440
Speaker 1: really really rich. It's more of like middle income seniors.

923
00:42:46,560 --> 00:42:50,000
Speaker 1: So it's been called a bonus, although it's technically a

924
00:42:50,000 --> 00:42:54,040
Speaker 1: deduction which reduces the amount of income subject to taxes,

925
00:42:55,440 --> 00:42:57,759
Speaker 1: so it doesn't necessarily mean that. It doesn't mean at

926
00:42:57,760 --> 00:42:59,399
Speaker 1: all you're going to get a six thousand dollars check

927
00:42:59,400 --> 00:43:01,920
Speaker 1: in the mail or in your refund.

928
00:43:02,000 --> 00:43:03,880
Speaker 2: That would be a refundable tax credit. And that's why

929
00:43:03,920 --> 00:43:06,560
Speaker 2: I get out the tax credit right when they call

930
00:43:06,600 --> 00:43:08,240
Speaker 2: it a credit, when they call it a Social Security

931
00:43:08,440 --> 00:43:10,600
Speaker 2: tax credit, it I guess it gets under my skin

932
00:43:10,640 --> 00:43:12,560
Speaker 2: because it's not a credit. It's a deduction. And people

933
00:43:12,680 --> 00:43:14,360
Speaker 2: have to understand the difference between a credit, which is

934
00:43:14,400 --> 00:43:16,719
Speaker 2: dollar for dollar versus a deduction, which just lowers your

935
00:43:16,760 --> 00:43:19,839
Speaker 2: taxable income. So and if it's a refundable tax credit,

936
00:43:19,920 --> 00:43:22,279
Speaker 2: let's say you're you owe a thousand, five hundred dollars

937
00:43:22,280 --> 00:43:25,319
Speaker 2: in taxes, but you are owed a two thousand dollars

938
00:43:25,320 --> 00:43:27,279
Speaker 2: tax credit. If it's a refundable tax credit, you would

939
00:43:27,280 --> 00:43:30,680
Speaker 2: still get a five hundred dollars refund check because you

940
00:43:30,719 --> 00:43:33,200
Speaker 2: owed fifteen hundred, but then that credit was two thousand,

941
00:43:33,239 --> 00:43:35,799
Speaker 2: So the surplus that five hundred credit comes back to

942
00:43:35,840 --> 00:43:38,120
Speaker 2: you as a check, as a refund check. That's not

943
00:43:38,200 --> 00:43:40,680
Speaker 2: the case with deductions. Deductions just get you to zero,

944
00:43:41,000 --> 00:43:43,160
Speaker 2: and they don't they don't give you any money for it.

945
00:43:43,200 --> 00:43:45,320
Speaker 2: So because this is a deduction and not a credit,

946
00:43:45,400 --> 00:43:48,320
Speaker 2: especially not a refundable tax credit, no one is getting

947
00:43:48,360 --> 00:43:51,000
Speaker 2: a check. You can just lower your taxable income buy

948
00:43:51,080 --> 00:43:54,000
Speaker 2: six thousand dollars, and that's only if you make seventy

949
00:43:54,000 --> 00:43:56,080
Speaker 2: five thousand dollars or less. And then when it starts

950
00:43:56,080 --> 00:43:58,040
Speaker 2: phasing out at seventy five thousand, and if you make

951
00:43:58,080 --> 00:44:00,200
Speaker 2: over one hundred and seventy five thousand, then there's no

952
00:44:00,280 --> 00:44:02,279
Speaker 2: benefit to you at all. This doesn't even apply to you.

953
00:44:02,680 --> 00:44:04,360
Speaker 2: So I think this is from what I read, it

954
00:44:04,360 --> 00:44:06,960
Speaker 2: covers up to ninety percent of people who do collect

955
00:44:06,960 --> 00:44:11,360
Speaker 2: Social Security benefits because they're just really there. Most of

956
00:44:11,400 --> 00:44:13,520
Speaker 2: them are under seventy five thousand a year and a

957
00:44:13,560 --> 00:44:14,359
Speaker 2: six thousand dollars time.

958
00:44:14,719 --> 00:44:16,640
Speaker 1: They're so poultry in the first place. First of all,

959
00:44:16,680 --> 00:44:20,480
Speaker 1: let's be seventy five for individuals, seventy five k for

960
00:44:20,560 --> 00:44:22,640
Speaker 1: individuals and up to one hundred and fifty k if

961
00:44:22,680 --> 00:44:24,880
Speaker 1: you're married and fining shortly, right.

962
00:44:25,080 --> 00:44:28,520
Speaker 3: Yeah, but the difference between like the credit and the

963
00:44:28,520 --> 00:44:31,200
Speaker 3: deduction is a really big deal, and I feel that

964
00:44:31,560 --> 00:44:33,719
Speaker 3: people will continue to think that it's a credit, but

965
00:44:33,760 --> 00:44:36,400
Speaker 3: it's very much not. So I was looking at it

966
00:44:36,440 --> 00:44:39,239
Speaker 3: in the average that they feel people will be able

967
00:44:39,320 --> 00:44:42,480
Speaker 3: to get would be about six hundred and seventy dollars

968
00:44:42,520 --> 00:44:47,480
Speaker 3: per year on average. As you know, the actual savings

969
00:44:47,760 --> 00:44:51,160
Speaker 3: which only is about thirteen dollars per week. So as

970
00:44:51,239 --> 00:44:53,680
Speaker 3: much as their chuting is being this huge thing and

971
00:44:53,719 --> 00:44:56,080
Speaker 3: people think it's a credit, is really not helping them

972
00:44:56,120 --> 00:44:57,520
Speaker 3: out as much as they probably need.

973
00:44:57,640 --> 00:44:59,200
Speaker 2: Yeah, It's two things that kind of pissed me off

974
00:44:59,239 --> 00:45:01,400
Speaker 2: about it because I'm I'm the one that manages my

975
00:45:01,400 --> 00:45:03,799
Speaker 2: parents or security benefits and their weekly allowance and their

976
00:45:03,840 --> 00:45:06,440
Speaker 2: finances and everything, and so I'm always paying attention to

977
00:45:06,480 --> 00:45:09,719
Speaker 2: what they do with Social Security and Medicare and Medicaid,

978
00:45:09,719 --> 00:45:12,120
Speaker 2: and I feel like this changed. Two things that I

979
00:45:12,200 --> 00:45:14,360
Speaker 2: noticed in the language that pissed me off. One was

980
00:45:14,400 --> 00:45:16,919
Speaker 2: they kept calling it a Social Security tax credit. It's

981
00:45:16,920 --> 00:45:19,080
Speaker 2: not a credit, it's a deduction. So that's first, first

982
00:45:19,120 --> 00:45:19,880
Speaker 2: of all, that's correct.

983
00:45:20,120 --> 00:45:21,440
Speaker 1: Lawmakers were saying that.

984
00:45:21,400 --> 00:45:23,960
Speaker 2: Yeah, and in the media and the press, so social

985
00:45:23,960 --> 00:45:26,440
Speaker 2: Security tax credit. And then the second thing they were

986
00:45:26,440 --> 00:45:28,319
Speaker 2: saying that really made me mad was that it's going

987
00:45:28,320 --> 00:45:31,880
Speaker 2: to eliminate taxes on Social Security income. And that is

988
00:45:31,920 --> 00:45:34,520
Speaker 2: not true. It's just that most people don't make more

989
00:45:34,560 --> 00:45:37,160
Speaker 2: than six thousand dollars a year on Social Security benefits.

990
00:45:37,200 --> 00:45:39,680
Speaker 2: So that's why it kind of cancels it out. But

991
00:45:39,760 --> 00:45:43,440
Speaker 2: it's not repealing taxes on social Security income. Social Security

992
00:45:43,440 --> 00:45:46,480
Speaker 2: income is still taxable. Let's all be real. It shouldn't be,

993
00:45:46,800 --> 00:45:49,080
Speaker 2: but it is. And so at this point, it's like

994
00:45:49,200 --> 00:45:52,239
Speaker 2: misinformation trying to make this a selling point for it,

995
00:45:52,280 --> 00:45:53,719
Speaker 2: and it's just not factually right.

996
00:45:54,120 --> 00:45:57,640
Speaker 1: Well you heard it here, ba fam, come here for

997
00:45:57,719 --> 00:46:01,360
Speaker 1: all of your clarificational needs. This big, beautiful pile of

998
00:46:02,000 --> 00:46:05,359
Speaker 1: tangled web of nonsense with some little little and I

999
00:46:05,400 --> 00:46:07,640
Speaker 1: do want to end some little bright spots. Yes, but

1000
00:46:07,920 --> 00:46:09,520
Speaker 1: this is one of those ones. Youan Nelly, Like you said,

1001
00:46:09,560 --> 00:46:12,759
Speaker 1: there's a trip wire. In three years, this expires, so

1002
00:46:13,239 --> 00:46:15,120
Speaker 1: it's definitely going to become a bargaining chip in the

1003
00:46:15,160 --> 00:46:19,120
Speaker 1: next election. I'm just praying for like what can get him.

1004
00:46:19,160 --> 00:46:20,600
Speaker 1: He's in his eighties and now we need like a

1005
00:46:20,640 --> 00:46:25,920
Speaker 1: little strokey stroke, like like just a little like coorinery

1006
00:46:25,960 --> 00:46:31,879
Speaker 1: by like something. He's got to die sometime soon, right, Oh?

1007
00:46:32,200 --> 00:46:33,839
Speaker 1: Can I just say that, like, when is this man

1008
00:46:33,880 --> 00:46:36,399
Speaker 1: going to die? I think dead is the only way

1009
00:46:36,440 --> 00:46:38,560
Speaker 1: we get rid of it is full do not. I'm

1010
00:46:38,560 --> 00:46:43,120
Speaker 1: not condoning assassination. I'm looking for natural causes, you know. God.

1011
00:46:43,520 --> 00:46:46,920
Speaker 3: The bigger issue is less the administration and more so

1012
00:46:47,040 --> 00:46:50,040
Speaker 3: of like the people that I feel like he's enabling. Yeah,

1013
00:46:50,040 --> 00:46:53,000
Speaker 3: because after him, and you know, even the first four

1014
00:46:53,080 --> 00:46:56,080
Speaker 3: years with Trump, I think there was definitely a wave

1015
00:46:56,320 --> 00:46:58,840
Speaker 3: of people thinking, Okay, well, if Trump can do this,

1016
00:46:59,080 --> 00:47:01,839
Speaker 3: then I'm going to do it too. All his supporters,

1017
00:47:01,880 --> 00:47:05,760
Speaker 3: I think are more harmful than what they wore before.

1018
00:47:06,440 --> 00:47:08,000
Speaker 3: I think it's going to be a total wave of

1019
00:47:08,600 --> 00:47:10,880
Speaker 3: politicians that are coming out saying, hey, if Trump is

1020
00:47:10,920 --> 00:47:13,040
Speaker 3: able to win, then I could be polarizing as well.

1021
00:47:13,520 --> 00:47:16,280
Speaker 3: So I don't see that impact of what he's putting

1022
00:47:16,280 --> 00:47:20,040
Speaker 3: out there is going to live for multiple generations. That's

1023
00:47:20,040 --> 00:47:23,160
Speaker 3: why I worry about more, because the person only lives

1024
00:47:23,200 --> 00:47:26,200
Speaker 3: for a finite amount of years, but the impact and

1025
00:47:26,400 --> 00:47:30,200
Speaker 3: who he's able to persuade through propaganda like that lasts

1026
00:47:30,360 --> 00:47:33,040
Speaker 3: for multiple generations. And hopefully it doesn't get worse. I

1027
00:47:33,080 --> 00:47:35,440
Speaker 3: don't know if it can get worse, but hopefully.

1028
00:47:35,719 --> 00:47:37,600
Speaker 1: That's another reason I want to come back to Atlanta

1029
00:47:37,760 --> 00:47:40,359
Speaker 1: is I just feel like here, my family and our

1030
00:47:40,400 --> 00:47:47,360
Speaker 1: boats can make it a red state. Yeah, at different,

1031
00:47:48,239 --> 00:47:50,560
Speaker 1: but Georgia's I have hope for Georgia. I have hope

1032
00:47:50,560 --> 00:47:53,239
Speaker 1: for Georgia. We got very close with Stacy Abrams. I

1033
00:47:53,320 --> 00:47:58,120
Speaker 1: feel like here my politics matter a lot more. And

1034
00:47:58,400 --> 00:48:01,279
Speaker 1: because you know, and it's sad to say, but as

1035
00:48:01,320 --> 00:48:05,120
Speaker 1: a mother who's had her children, I've my reproductive health

1036
00:48:05,200 --> 00:48:08,120
Speaker 1: is less of a front of center issue for me.

1037
00:48:08,600 --> 00:48:11,320
Speaker 1: You know, moving here guns and guns now, that is

1038
00:48:11,360 --> 00:48:13,680
Speaker 1: a huge one. I'm not gonna lie and sending my

1039
00:48:13,760 --> 00:48:15,960
Speaker 1: kids to school in a state where guns are just

1040
00:48:16,000 --> 00:48:19,200
Speaker 1: on everyone's you know, everyone's got you know, there's more

1041
00:48:19,200 --> 00:48:21,160
Speaker 1: guns than people. And I'm sure George's from of those

1042
00:48:21,200 --> 00:48:24,440
Speaker 1: states too, And like that is a terrifying, you know

1043
00:48:25,400 --> 00:48:28,960
Speaker 1: thought for me. But yeah, it's definitely. It's definitely factoring

1044
00:48:29,000 --> 00:48:31,040
Speaker 1: in to the eperation that was great for.

1045
00:48:31,000 --> 00:48:32,319
Speaker 4: Me when I first moved down here.

1046
00:48:32,440 --> 00:48:35,560
Speaker 3: Now, I grew up in the country, like small town Pennsylvania,

1047
00:48:35,640 --> 00:48:37,920
Speaker 3: and everyone owned a gun, but you didn't see it

1048
00:48:37,960 --> 00:48:40,439
Speaker 3: all too often unless you were like hunting or whatever

1049
00:48:40,520 --> 00:48:43,279
Speaker 3: you like. I shot many of guns growing up going

1050
00:48:43,320 --> 00:48:45,799
Speaker 3: to Philly, like you didn't really see it too much.

1051
00:48:45,840 --> 00:48:47,880
Speaker 3: But here in Georgia, you could be in the elevator

1052
00:48:47,880 --> 00:48:51,239
Speaker 3: with someone who has a gun just right there, and

1053
00:48:51,440 --> 00:48:53,879
Speaker 3: they can range from people who are you know, kids

1054
00:48:53,960 --> 00:48:57,279
Speaker 3: are eighteen all the way to someone was holding he

1055
00:48:57,320 --> 00:48:59,560
Speaker 3: had like a little purse and he dropped. The person

1056
00:48:59,600 --> 00:49:01,839
Speaker 3: didn't have zipped up. His gun just fell right out.

1057
00:49:02,200 --> 00:49:04,719
Speaker 3: He was the older gentleman at the bar, right, So

1058
00:49:05,280 --> 00:49:09,520
Speaker 3: everyone carries down here and you're somewhat convinced that you

1059
00:49:09,880 --> 00:49:13,040
Speaker 3: need a gun. I've had many of conversations with friends

1060
00:49:13,040 --> 00:49:15,080
Speaker 3: where are like, oh, you don't have one. I'm like, yeah,

1061
00:49:15,200 --> 00:49:17,399
Speaker 3: kind of the dangers of them. I've shot one more

1062
00:49:17,480 --> 00:49:21,359
Speaker 3: than you guys have, and I don't think I need one.

1063
00:49:21,520 --> 00:49:23,560
Speaker 4: So it's interesting for sure.

1064
00:49:23,680 --> 00:49:26,440
Speaker 2: Yeah, it definitely creates like a rhetoric of like us

1065
00:49:26,520 --> 00:49:29,040
Speaker 2: versus them, you know, and that it's a little bit

1066
00:49:29,040 --> 00:49:31,440
Speaker 2: of what you're talking about with like trumpetboldening people to

1067
00:49:31,520 --> 00:49:35,480
Speaker 2: create this like tribalism and like all of these divisive

1068
00:49:35,719 --> 00:49:37,880
Speaker 2: like energies. But I feel like that is kind of

1069
00:49:37,880 --> 00:49:39,879
Speaker 2: what guns do to people, because you either have one

1070
00:49:39,960 --> 00:49:41,440
Speaker 2: or you don't. And then when you notice that everybody

1071
00:49:41,480 --> 00:49:43,319
Speaker 2: around you has one, you feel like you need one

1072
00:49:43,320 --> 00:49:45,319
Speaker 2: because if they shoot and I got nothing, I have

1073
00:49:45,400 --> 00:49:48,040
Speaker 2: to protect myself too. So and then especially being in

1074
00:49:48,080 --> 00:49:50,120
Speaker 2: the South as a black man, I imagine there's so

1075
00:49:50,280 --> 00:49:53,280
Speaker 2: much more on you because of that. I mean, obviously

1076
00:49:53,280 --> 00:49:55,560
Speaker 2: the deep deep South even worse, right, So I feel

1077
00:49:55,560 --> 00:49:57,640
Speaker 2: like there's this pressure because even just being in Miami,

1078
00:49:57,920 --> 00:50:00,040
Speaker 2: a lot of my black male friends are like, no,

1079
00:50:00,280 --> 00:50:02,680
Speaker 2: I gotta have one because I can't be the one

1080
00:50:02,719 --> 00:50:04,560
Speaker 2: that doesn't have a gun and somebody, or if you

1081
00:50:04,600 --> 00:50:06,520
Speaker 2: own a business, there's this pressure to have a gun

1082
00:50:06,520 --> 00:50:08,960
Speaker 2: to protect your establishment, to protect your business. So I

1083
00:50:09,000 --> 00:50:10,880
Speaker 2: feel like that that is the energy that starts to

1084
00:50:10,920 --> 00:50:13,240
Speaker 2: circulate and then you end up with like more guns

1085
00:50:13,239 --> 00:50:16,160
Speaker 2: than people situation because of that kind of stuff spreading

1086
00:50:16,560 --> 00:50:19,759
Speaker 2: as opposed to it being like a reasonable approach to well,

1087
00:50:19,920 --> 00:50:22,799
Speaker 2: who are who which folks kind of need to have

1088
00:50:22,880 --> 00:50:25,440
Speaker 2: a gun. Maybe there's a designated person that needs to

1089
00:50:25,480 --> 00:50:27,640
Speaker 2: have a gun to protect a premises, but not everybody

1090
00:50:27,680 --> 00:50:29,440
Speaker 2: in the premises with a gun at their hip. Like

1091
00:50:29,440 --> 00:50:33,799
Speaker 2: it just you know, it goes borderline like nonsensical once

1092
00:50:33,840 --> 00:50:35,719
Speaker 2: you start going that far and making everyone think that

1093
00:50:35,760 --> 00:50:38,520
Speaker 2: they need one to protect themselves rather than you know,

1094
00:50:38,560 --> 00:50:42,080
Speaker 2: it being logical. Yeah, it's fear, there is Yeah, there's

1095
00:50:42,120 --> 00:50:43,240
Speaker 2: all fear based exactly.

1096
00:50:43,239 --> 00:50:46,400
Speaker 1: It's all fear based. The way through that for me

1097
00:50:46,440 --> 00:50:49,640
Speaker 1: has always been like being really involved in the local community.

1098
00:50:49,680 --> 00:50:52,360
Speaker 1: And one of my neighbors, she has a son, Leyton,

1099
00:50:52,400 --> 00:50:54,680
Speaker 1: who is very he's he's in his forties, but he

1100
00:50:54,800 --> 00:50:59,080
Speaker 1: is he has down syndrome and he runs away a lot,

1101
00:50:59,160 --> 00:51:01,480
Speaker 1: and he's got he's been missing for days before. It's

1102
00:51:01,480 --> 00:51:03,759
Speaker 1: been all scary. But one of the first things, and

1103
00:51:03,800 --> 00:51:05,359
Speaker 1: he's a black man, and one of the first things

1104
00:51:05,400 --> 00:51:07,960
Speaker 1: she's done is like take him to the local police department,

1105
00:51:08,040 --> 00:51:11,080
Speaker 1: introduce him, like, let them know who he is. So

1106
00:51:11,280 --> 00:51:14,239
Speaker 1: if he's acting a radict or someone complains about him

1107
00:51:14,239 --> 00:51:17,480
Speaker 1: because he's you know, he's trespassing or he's wandered off

1108
00:51:17,480 --> 00:51:20,600
Speaker 1: on you know, someplace that they And at first I

1109
00:51:20,640 --> 00:51:22,800
Speaker 1: was it was chilling, but also I'm like, that's very smart.

1110
00:51:22,840 --> 00:51:24,360
Speaker 1: That's like the most you can do is try to

1111
00:51:24,520 --> 00:51:27,239
Speaker 1: It's fear of the unknown. It's why people aim first,

1112
00:51:27,360 --> 00:51:31,919
Speaker 1: ask questions later. And that recognition, the humanizing each other,

1113
00:51:32,080 --> 00:51:34,719
Speaker 1: humanizing us to other people. Is sad to say that

1114
00:51:34,760 --> 00:51:36,239
Speaker 1: we need to do that, but it's like.

1115
00:51:37,640 --> 00:51:39,920
Speaker 3: Is reality survival? I mean that was I mean, it's

1116
00:51:39,920 --> 00:51:42,520
Speaker 3: across the board too. Like I remember growing up when

1117
00:51:42,560 --> 00:51:45,960
Speaker 3: I was maybe like fourteen fifteen, my mom introduced me

1118
00:51:46,000 --> 00:51:48,399
Speaker 3: to the police officers in my town and said, hey,

1119
00:51:48,480 --> 00:51:52,080
Speaker 3: this is Mark, Baby Mark basically don't don't.

1120
00:51:52,120 --> 00:51:52,600
Speaker 1: F with them.

1121
00:51:52,840 --> 00:51:56,879
Speaker 3: And they were like, okay, cool, you know, getting high

1122
00:51:56,880 --> 00:51:59,000
Speaker 3: honors and all the things, like he's not gonna be

1123
00:51:59,040 --> 00:52:01,360
Speaker 3: in trouble. If he does getting trouble, bring him to me.

1124
00:52:01,760 --> 00:52:04,160
Speaker 3: It'll be worse than what you can never do to him.

1125
00:52:04,160 --> 00:52:09,800
Speaker 2: So and she was, damn, that's that old school motherhood.

1126
00:52:09,800 --> 00:52:12,439
Speaker 2: Nowadays he got the gentle parent you got mom.

1127
00:52:13,120 --> 00:52:15,720
Speaker 3: My mom was a hot security prison guard. So where

1128
00:52:15,840 --> 00:52:20,520
Speaker 3: do you know where Luigi was at? Well, he's still

1129
00:52:20,560 --> 00:52:25,360
Speaker 3: at Smith Hildy. That's where mom, that's where she retired from. Wow,

1130
00:52:25,600 --> 00:52:30,560
Speaker 3: so hot security prison. It's interesting because he's like basically

1131
00:52:30,560 --> 00:52:33,319
Speaker 3: in my hometown, and people that I know that are

1132
00:52:33,360 --> 00:52:36,080
Speaker 3: locked away, they know him personally at this point.

1133
00:52:36,480 --> 00:52:38,919
Speaker 1: That's why a guy who killed the CEO of United

1134
00:52:38,960 --> 00:52:43,360
Speaker 1: States Yea, Mario and Luigi. It's sad to me that

1135
00:52:43,400 --> 00:52:45,120
Speaker 1: that was like not that long ago. We don't I

1136
00:52:45,239 --> 00:52:48,719
Speaker 1: already kind of forgot. I oh, the new cycle. Well,

1137
00:52:48,760 --> 00:52:52,000
Speaker 1: speaking of the new cycle, onto the next headline. Blah

1138
00:52:52,040 --> 00:52:55,920
Speaker 1: blah blah. Microsoft is laying off thousands of people I

1139
00:52:55,920 --> 00:52:58,719
Speaker 1: had I guess. I knew Microsoft was huge, but four

1140
00:52:58,800 --> 00:53:01,200
Speaker 1: hundred thousand or two was a two hundred thousands, like

1141
00:53:01,280 --> 00:53:03,839
Speaker 1: hundreds of thousands of workers across the world. This company has.

1142
00:53:03,880 --> 00:53:06,920
Speaker 1: It's insane, but on the whole and not always makes

1143
00:53:06,960 --> 00:53:09,160
Speaker 1: a big headline, but on the whole. The job market,

1144
00:53:09,960 --> 00:53:12,800
Speaker 1: as they say, it's fine, but as we said earlier,

1145
00:53:13,120 --> 00:53:16,040
Speaker 1: you need to be working your sources. You need internal referrals.

1146
00:53:16,080 --> 00:53:18,880
Speaker 1: Do not expect the applicant tracking system to do you

1147
00:53:18,920 --> 00:53:22,840
Speaker 1: any favors. Let's move on to some fun stuff. So

1148
00:53:23,680 --> 00:53:26,440
Speaker 1: I was not in New Orleans this past weekend. I

1149
00:53:26,520 --> 00:53:30,080
Speaker 1: need essence Fest to change the date to any other season.

1150
00:53:30,320 --> 00:53:32,800
Speaker 1: Why are we in New Orleans and the ass crack

1151
00:53:32,920 --> 00:53:34,960
Speaker 1: of summer Black women?

1152
00:53:35,080 --> 00:53:38,480
Speaker 2: Why that's probably when they get the on the space

1153
00:53:38,560 --> 00:53:39,960
Speaker 2: and the rentals.

1154
00:53:39,440 --> 00:53:42,640
Speaker 1: And I don't care. We deserve better, like let it

1155
00:53:42,719 --> 00:53:46,680
Speaker 1: be February, you know, like that's great. But essence Fest happened,

1156
00:53:46,760 --> 00:53:49,400
Speaker 1: and I follow a lot of creators to it, and I

1157
00:53:49,480 --> 00:53:53,439
Speaker 1: have friends of the show who were there. And one

1158
00:53:53,440 --> 00:53:56,640
Speaker 1: of the biggest, well two of the biggest headlines negative

1159
00:53:56,680 --> 00:54:00,000
Speaker 1: about essence Fest have been Target was a big spot.

1160
00:54:02,320 --> 00:54:04,880
Speaker 1: I bet they wrote the most fat check. But I

1161
00:54:04,920 --> 00:54:07,839
Speaker 1: also feel like they probably had that sponsorship locked in

1162
00:54:07,920 --> 00:54:12,799
Speaker 1: pre they came out with those dates. Correct, Yeah, that

1163
00:54:12,880 --> 00:54:15,640
Speaker 1: was probably way well in advance. And the second thing

1164
00:54:15,760 --> 00:54:19,400
Speaker 1: is the second and some creators were like, oh, you know,

1165
00:54:19,960 --> 00:54:22,520
Speaker 1: I can't condone Target being a sponsor. I am not

1166
00:54:22,560 --> 00:54:24,160
Speaker 1: going to infest. I'm like, girl, you don't want to

1167
00:54:24,160 --> 00:54:28,440
Speaker 1: pay for that flight. You couldn't get a brand to

1168
00:54:28,440 --> 00:54:30,120
Speaker 1: bring you out. You didn't want to pay for your

1169
00:54:30,120 --> 00:54:36,520
Speaker 1: own hotel. That's why you're not going. Yeah. And then

1170
00:54:36,760 --> 00:54:39,200
Speaker 1: this concert that they had, they had like all these

1171
00:54:39,280 --> 00:54:43,120
Speaker 1: they had a glow rilla, they had Maxwell baby Face

1172
00:54:43,880 --> 00:54:48,640
Speaker 1: and Laurence Hill. It's my boo.

1173
00:54:48,760 --> 00:54:50,440
Speaker 2: I just saw his tiny desk like a couple of

1174
00:54:50,440 --> 00:54:52,399
Speaker 2: weeks ago. I know I'm late, but it was so good.

1175
00:54:52,560 --> 00:54:53,680
Speaker 1: Isn't new?

1176
00:54:53,680 --> 00:54:56,040
Speaker 2: It was a couple of months ago, but only and

1177
00:54:56,040 --> 00:54:59,920
Speaker 2: it was so good. Go watch the tiny desk of

1178
00:55:00,040 --> 00:55:02,239
Speaker 2: Max Well, so fucking good.

1179
00:55:02,920 --> 00:55:06,239
Speaker 1: So Laurence Hill was their closing act. She left the

1180
00:55:06,280 --> 00:55:08,880
Speaker 1: stage or she started at three thirty seven am.

1181
00:55:09,640 --> 00:55:13,799
Speaker 2: Oh no, no wait, I mean, I'm not shocked, but

1182
00:55:14,800 --> 00:55:15,560
Speaker 2: has worked lately.

1183
00:55:15,560 --> 00:55:18,719
Speaker 1: I would have been awake, but not for stuff there.

1184
00:55:18,840 --> 00:55:21,600
Speaker 4: There were some organizational challenges from what I've.

1185
00:55:21,400 --> 00:55:23,879
Speaker 1: Read, Yes, defend her, please, yes of.

1186
00:55:23,920 --> 00:55:27,000
Speaker 2: Her, like showing up her usual lateness.

1187
00:55:27,200 --> 00:55:27,720
Speaker 4: That's done.

1188
00:55:27,800 --> 00:55:29,960
Speaker 1: It was not her, and she apparently did a really

1189
00:55:30,000 --> 00:55:31,920
Speaker 1: good show. It wasn't for nobody.

1190
00:55:33,280 --> 00:55:38,160
Speaker 2: No, so it would happen? Was it sound system logistics?

1191
00:55:38,400 --> 00:55:38,480
Speaker 3: No?

1192
00:55:38,640 --> 00:55:41,239
Speaker 1: They had too many acts and they started the night

1193
00:55:41,320 --> 00:55:44,400
Speaker 1: too late, like I don't know how people couldn't have foreseen.

1194
00:55:45,040 --> 00:55:47,960
Speaker 1: Probably this means Lauren's not coming out until the butt

1195
00:55:48,000 --> 00:55:48,480
Speaker 1: cracked like.

1196
00:55:49,040 --> 00:55:51,600
Speaker 2: Me, But how do you not skip her? To get

1197
00:55:51,640 --> 00:55:55,560
Speaker 2: Lauren out sooner? Because she's the big name that Drew's

1198
00:55:55,600 --> 00:55:58,920
Speaker 2: probably so many women to come like exactly Hill want

1199
00:55:58,960 --> 00:56:00,960
Speaker 2: to me. As soon as she arrived, they should have

1200
00:56:00,960 --> 00:56:03,359
Speaker 2: been like, okay, everyone else is getting booted because Laurence here.

1201
00:56:03,480 --> 00:56:07,200
Speaker 1: Like what. According to the so i uh local reporter

1202
00:56:07,800 --> 00:56:11,239
Speaker 1: NOLA dot com, it was running late from the start,

1203
00:56:11,280 --> 00:56:14,640
Speaker 1: so they started late. They also had Lucky Day Coco Jones.

1204
00:56:15,080 --> 00:56:19,080
Speaker 1: Apparently they also used prerecorded tracks, which that always pisses

1205
00:56:19,120 --> 00:56:22,000
Speaker 1: me off, like why am I here? They had eight

1206
00:56:22,120 --> 00:56:26,359
Speaker 1: acts on the main stage. Glovilla apparently started forty five

1207
00:56:26,360 --> 00:56:29,600
Speaker 1: minutes after the Isisley Brothers were scheduled to start. After

1208
00:56:29,600 --> 00:56:33,160
Speaker 1: they were scheduled to start. Gloverlla started forty five minutes

1209
00:56:33,200 --> 00:56:37,440
Speaker 1: after that, So yeah, they were way way behind. You know,

1210
00:56:37,520 --> 00:56:40,880
Speaker 1: I think this is the thing, like these big black

1211
00:56:41,000 --> 00:56:44,359
Speaker 1: festivals and conferences. You know, we got Black Tech Week

1212
00:56:44,440 --> 00:56:47,040
Speaker 1: is coming up. I'm about to go to NABJ the

1213
00:56:47,040 --> 00:56:51,120
Speaker 1: convention in August, and then we got Afro Tech. Like

1214
00:56:51,600 --> 00:56:59,080
Speaker 1: these big black cultural like conference events. There's usually people

1215
00:56:59,080 --> 00:57:01,120
Speaker 1: on the internet complain like I don't know what it

1216
00:57:01,200 --> 00:57:05,120
Speaker 1: is about, like about how easy or how we like

1217
00:57:05,239 --> 00:57:11,400
Speaker 1: to overly criticize these huge juggernaut you know, events that

1218
00:57:11,440 --> 00:57:13,799
Speaker 1: are by us and for us. But there's so many, like,

1219
00:57:13,840 --> 00:57:16,600
Speaker 1: there's so much negativity about it.

1220
00:57:16,600 --> 00:57:20,120
Speaker 3: It's really easy to criticize if you've never tried to

1221
00:57:20,240 --> 00:57:21,800
Speaker 3: conduct a conference before.

1222
00:57:22,800 --> 00:57:25,120
Speaker 1: Now there are some I could hardly stand a two

1223
00:57:25,160 --> 00:57:26,880
Speaker 1: year old's birthday party that I have to conduct in

1224
00:57:26,920 --> 00:57:27,520
Speaker 1: my own house.

1225
00:57:27,920 --> 00:57:32,560
Speaker 3: There are they're just pure negligence and like oversight and

1226
00:57:32,600 --> 00:57:35,000
Speaker 3: things like that that could be managed. But when you're

1227
00:57:35,040 --> 00:57:38,560
Speaker 3: trying to coordinate a bunch of different personalities and people

1228
00:57:38,640 --> 00:57:41,520
Speaker 3: who have clout, and people are coming in, you're navigating

1229
00:57:41,560 --> 00:57:45,120
Speaker 3: private planes coming in, and you're flying into New Orleans

1230
00:57:45,160 --> 00:57:48,160
Speaker 3: and secured, there's so many things that go along. I

1231
00:57:48,160 --> 00:57:51,280
Speaker 3: think there should be a level of expectation that, hey, like,

1232
00:57:51,400 --> 00:57:54,400
Speaker 3: it's not going to go perfectly. Frankly, if it goes perfectly,

1233
00:57:54,600 --> 00:57:57,959
Speaker 3: I would say like something had have gone wrong because

1234
00:57:58,000 --> 00:58:01,760
Speaker 3: it's almost nearly impossible. And you know, essence Fest has

1235
00:58:02,040 --> 00:58:05,720
Speaker 3: grown substantially over the years or trying to make it

1236
00:58:05,760 --> 00:58:08,520
Speaker 3: even more valuable than what it was, you know, last year.

1237
00:58:08,960 --> 00:58:10,200
Speaker 4: So cul to them for.

1238
00:58:10,360 --> 00:58:13,960
Speaker 3: Continue to have these events with all the uncertainty that's

1239
00:58:13,960 --> 00:58:18,280
Speaker 3: happening within the country. I think people just have to

1240
00:58:19,160 --> 00:58:21,320
Speaker 3: I mean, it's hard to say, but you kind of

1241
00:58:21,360 --> 00:58:24,560
Speaker 3: have to expect a lot of the things like that.

1242
00:58:24,640 --> 00:58:26,560
Speaker 3: I mean, Louren Hill popping in at four o'clock in

1243
00:58:26,640 --> 00:58:29,919
Speaker 3: the morning is a little different, but I think it's

1244
00:58:29,960 --> 00:58:34,120
Speaker 3: more so the change management conversation and talking to people

1245
00:58:34,160 --> 00:58:37,240
Speaker 3: about what is going on. It's like when you're in

1246
00:58:37,240 --> 00:58:39,720
Speaker 3: the air and you're filling, like some turbulence. Like I

1247
00:58:39,760 --> 00:58:41,640
Speaker 3: love when Delta pops on and says, hey, we're gonna

1248
00:58:41,640 --> 00:58:44,040
Speaker 3: see a little bit of turbulence, like nothing to worry

1249
00:58:44,040 --> 00:58:46,080
Speaker 3: about whatever. But if you don't say that, then you're

1250
00:58:46,120 --> 00:58:48,920
Speaker 3: freaking out because you don't know what's going on. That's

1251
00:58:48,960 --> 00:58:51,440
Speaker 3: the only thing I could think of come a fearful flyer.

1252
00:58:51,520 --> 00:58:53,560
Speaker 3: But Delta has really helped.

1253
00:58:53,560 --> 00:58:54,760
Speaker 1: Are you that's cute.

1254
00:58:56,320 --> 00:58:58,240
Speaker 2: I'm not a fearful flyer, but I still think I

1255
00:58:58,280 --> 00:59:01,920
Speaker 2: appreciate it because it's just from more information, better, just awareness,

1256
00:59:02,080 --> 00:59:04,960
Speaker 2: you know. And I worry frankly about Lauren Hill's health,

1257
00:59:05,120 --> 00:59:07,400
Speaker 2: like she's up at four in the morning performing this

1258
00:59:07,520 --> 00:59:09,320
Speaker 2: is sleeping again.

1259
00:59:09,400 --> 00:59:11,560
Speaker 1: People said the show was good, and she really didn't

1260
00:59:11,560 --> 00:59:14,040
Speaker 1: seem to mind that. There was hardly anybody left in

1261
00:59:14,080 --> 00:59:15,160
Speaker 1: the super.

1262
00:59:14,680 --> 00:59:18,160
Speaker 3: Fans stuck around rightly, nothing but great things to say.

1263
00:59:18,880 --> 00:59:20,240
Speaker 4: Regardless, I love that.

1264
00:59:22,960 --> 00:59:25,120
Speaker 1: With her voice. You know what's funny is one of

1265
00:59:25,120 --> 00:59:28,440
Speaker 1: these one of the articles was like it was also

1266
00:59:28,920 --> 00:59:31,200
Speaker 1: what it sounds like is you have the gen X

1267
00:59:31,240 --> 00:59:33,720
Speaker 1: boomer crowd at Essence Fest. You've probably been going since

1268
00:59:33,720 --> 00:59:37,240
Speaker 1: the beginning getting a little cranky that it's not as

1269
00:59:37,280 --> 00:59:39,840
Speaker 1: comfortable or it's not like it used to be back

1270
00:59:39,840 --> 00:59:42,479
Speaker 1: in the olden days. And I think that's where maybe

1271
00:59:42,480 --> 00:59:44,640
Speaker 1: there's a disconnect as well, because you know, catering your

1272
00:59:44,680 --> 00:59:47,760
Speaker 1: gen zs is that gonna see any one day? Am

1273
00:59:47,760 --> 00:59:48,560
Speaker 1: I going to be bitching?

1274
00:59:49,000 --> 00:59:51,080
Speaker 2: I could see that. I mean, look, I'm not trying

1275
00:59:51,080 --> 00:59:52,240
Speaker 2: to be up at three thirty in the more.

1276
00:59:52,240 --> 00:59:52,600
Speaker 1: I'm sorry.

1277
00:59:52,600 --> 00:59:54,400
Speaker 2: I look, I'm a I'm a millennial. And even me,

1278
00:59:54,440 --> 00:59:56,320
Speaker 2: I would be like, what the hell three thirty in

1279
00:59:56,360 --> 00:59:59,400
Speaker 2: the morning, Like, are you kidding me? When are people sleeping?

1280
00:59:59,600 --> 01:00:03,200
Speaker 2: I just like, our health is so important. My sleep

1281
01:00:03,240 --> 01:00:05,280
Speaker 2: is the number one. My sleep, my working out, my

1282
01:00:05,320 --> 01:00:08,240
Speaker 2: eating right, my drinking water. Sleep is everything. I would

1283
01:00:08,280 --> 01:00:10,400
Speaker 2: literally show up here looking crazy if I did not

1284
01:00:10,480 --> 01:00:13,040
Speaker 2: get my six hours minimum of sleep, like how and

1285
01:00:13,160 --> 01:00:15,960
Speaker 2: usually that happens about the middle of My sleep is

1286
01:00:16,000 --> 01:00:18,280
Speaker 2: usually through thirty in the morning, so that would bother me.

1287
01:00:18,720 --> 01:00:20,200
Speaker 2: If it was me that would bother.

1288
01:00:20,120 --> 01:00:21,760
Speaker 4: Me, I'd be on till about eleven.

1289
01:00:21,840 --> 01:00:23,880
Speaker 3: I mean, it's it's on top of the fact that

1290
01:00:23,920 --> 01:00:26,280
Speaker 3: you're at a conference, your networking with people, like if

1291
01:00:26,280 --> 01:00:29,480
Speaker 3: you're a brand, like you're talking to different companies like

1292
01:00:29,680 --> 01:00:30,439
Speaker 3: you guys know.

1293
01:00:30,480 --> 01:00:32,040
Speaker 4: How I operate in these conferences.

1294
01:00:32,080 --> 01:00:34,480
Speaker 3: I have a good three hours where I'm like, I

1295
01:00:34,520 --> 01:00:36,280
Speaker 3: can give you my all, but then I'm going back

1296
01:00:36,320 --> 01:00:38,880
Speaker 3: to the hotel room and I'm going to see same.

1297
01:00:40,520 --> 01:00:44,520
Speaker 3: I'm with y'all for a little bit, you know, shake hands,

1298
01:00:44,560 --> 01:00:45,560
Speaker 3: kiss babies, whatever.

1299
01:00:45,680 --> 01:00:49,360
Speaker 4: Then I'm out. I can't. I can't do the all day,

1300
01:00:50,400 --> 01:00:51,280
Speaker 4: early into the morning.

1301
01:00:51,280 --> 01:00:55,800
Speaker 1: Nobody's ask you to kiss their baby.

1302
01:00:56,520 --> 01:01:00,200
Speaker 2: You can't get nothing, Panamandy, Mark, you can't get nothing.

1303
01:01:00,880 --> 01:01:01,720
Speaker 4: For everything I do.

1304
01:01:02,560 --> 01:01:05,560
Speaker 1: Do you have any nieces or nephews, so Mark.

1305
01:01:05,440 --> 01:01:06,280
Speaker 4: I do? I do.

1306
01:01:06,400 --> 01:01:09,840
Speaker 3: I love my niece's nephews, so, two of which grew

1307
01:01:09,920 --> 01:01:12,400
Speaker 3: up with me. I was basically like their big brother

1308
01:01:12,520 --> 01:01:17,360
Speaker 3: and basically raised uff there much do you change diapers?

1309
01:01:17,640 --> 01:01:18,680
Speaker 3: I did growing up.

1310
01:01:19,760 --> 01:01:21,840
Speaker 1: Blessed growing up. I did. My little brother he needs

1311
01:01:21,840 --> 01:01:23,400
Speaker 1: to step it up. He's like, I'm happy to have

1312
01:01:23,440 --> 01:01:26,800
Speaker 1: you here, but that not not me, not me.

1313
01:01:27,040 --> 01:01:28,320
Speaker 4: I don't understand that.

1314
01:01:28,480 --> 01:01:29,440
Speaker 1: I don't know.

1315
01:01:29,560 --> 01:01:32,480
Speaker 3: It's all about upbringing, right, So for me, it was

1316
01:01:32,520 --> 01:01:34,400
Speaker 3: a very normal. Here, I'm going to show you how

1317
01:01:34,440 --> 01:01:35,920
Speaker 3: to go about doing it, and that was all of

1318
01:01:35,960 --> 01:01:38,920
Speaker 3: maybe ten So I know how to do all of

1319
01:01:38,920 --> 01:01:41,200
Speaker 3: that stuff and don't mind it at all. It's like

1320
01:01:41,200 --> 01:01:43,520
Speaker 3: I much rather than be clean, than be walking around

1321
01:01:43,600 --> 01:01:44,680
Speaker 3: smell like he knows what.

1322
01:01:44,720 --> 01:01:46,320
Speaker 2: A little baby rash on their booties.

1323
01:01:46,520 --> 01:01:50,040
Speaker 1: Baby, that's a real man right there. Good job, Mark.

1324
01:01:50,320 --> 01:01:53,480
Speaker 3: I'm trying to remember who mentioned that recently where he

1325
01:01:53,560 --> 01:01:56,439
Speaker 3: said that's my son or daughter. But I'm not gonna

1326
01:01:56,440 --> 01:02:01,360
Speaker 3: be changing diapers and one's we need.

1327
01:02:01,240 --> 01:02:03,720
Speaker 2: To cancel them. Can we use cancel culture correctly? Can

1328
01:02:03,720 --> 01:02:05,480
Speaker 2: we cancel people for shit that they should be getting

1329
01:02:05,480 --> 01:02:08,440
Speaker 2: canceled for? Because that's a trash as father, that is trash?

1330
01:02:08,600 --> 01:02:09,840
Speaker 4: What do you mean by that?

1331
01:02:10,960 --> 01:02:13,400
Speaker 1: All right, y'all, we got a late start. We gotta

1332
01:02:13,440 --> 01:02:15,360
Speaker 1: take a break. We gotta come back and do Brown Boots,

1333
01:02:15,360 --> 01:02:18,440
Speaker 1: Brown Break. All right, ba fan will be right back.

1334
01:02:18,480 --> 01:02:20,760
Speaker 1: We're gonna do Brown boosts, Brown Break, and we have

1335
01:02:20,840 --> 01:02:27,280
Speaker 1: some good ones for y'all. Stay tuned, be right back, Okay, Bavan.

1336
01:02:27,320 --> 01:02:30,440
Speaker 1: We're back, We're back. We're back this time for my favorite.

1337
01:02:30,560 --> 01:02:32,600
Speaker 1: I always say it's my favorite time. I love it all.

1338
01:02:33,240 --> 01:02:36,560
Speaker 1: It's my show. I made them up. It is always

1339
01:02:36,640 --> 01:02:39,560
Speaker 1: fun to hear what y'all are either loving or hating.

1340
01:02:40,000 --> 01:02:42,520
Speaker 1: And that is my favorite segment. Brown Boost, Brown Break.

1341
01:02:42,560 --> 01:02:44,840
Speaker 1: So we're gonna boost something positive that we are happy about,

1342
01:02:44,880 --> 01:02:47,240
Speaker 1: or we're gonna break something that we want to vent about.

1343
01:02:48,080 --> 01:02:50,400
Speaker 1: Which one of y'all? I can go first? Y'all can

1344
01:02:50,440 --> 01:02:51,080
Speaker 1: go first.

1345
01:02:51,760 --> 01:02:53,840
Speaker 2: I feel like I'm a broken record on here, but

1346
01:02:54,520 --> 01:02:55,760
Speaker 2: I'll go first and make it quick.

1347
01:02:56,120 --> 01:02:56,680
Speaker 1: Not a reason.

1348
01:02:57,240 --> 01:02:59,880
Speaker 2: Last time I was on here, my brown boost was

1349
01:03:00,240 --> 01:03:02,800
Speaker 2: Texas became the twenty ninth state to require a full

1350
01:03:02,800 --> 01:03:05,840
Speaker 2: semester of financial literacy course for high school graduation. And

1351
01:03:05,960 --> 01:03:09,040
Speaker 2: now the state, the baby, tiny, little, itty bitty state

1352
01:03:09,040 --> 01:03:12,440
Speaker 2: of Delaware has passed a bill through the Senate and

1353
01:03:12,520 --> 01:03:14,400
Speaker 2: through the House and it is sitting on the Governor's

1354
01:03:14,400 --> 01:03:16,800
Speaker 2: desk right now. Once the governor signs it, Delaware will

1355
01:03:16,800 --> 01:03:21,600
Speaker 2: officially become the thirtieth state thirty require financial literacy for

1356
01:03:21,680 --> 01:03:24,919
Speaker 2: all high school grads. That is huge thirty states. Because

1357
01:03:24,960 --> 01:03:26,800
Speaker 2: when I started this work in twenty twenty one, there

1358
01:03:26,840 --> 01:03:29,040
Speaker 2: were only eight states. So now the fact that there's

1359
01:03:29,080 --> 01:03:32,000
Speaker 2: thirty and just a couple of years, y'all. Like I'm

1360
01:03:32,000 --> 01:03:34,240
Speaker 2: telling you, it's spreading like wildfire, and it's a massive

1361
01:03:34,240 --> 01:03:37,120
Speaker 2: winning my girl a raise, you know what I'm saying.

1362
01:03:37,240 --> 01:03:37,919
Speaker 2: I'll take it.

1363
01:03:38,000 --> 01:03:41,840
Speaker 1: I'm saying, give my girl a big fat raise. Yeah,

1364
01:03:42,560 --> 01:03:46,320
Speaker 1: shut out to Delli. Yes, that's incredible, all right, Mark,

1365
01:03:46,360 --> 01:03:46,960
Speaker 1: what you're gonna do?

1366
01:03:47,840 --> 01:03:48,160
Speaker 2: All right?

1367
01:03:48,240 --> 01:03:50,520
Speaker 3: So I don't know if it's a boost or a break,

1368
01:03:50,560 --> 01:03:52,280
Speaker 3: but it's a book that I'm reading right now that

1369
01:03:52,320 --> 01:03:56,480
Speaker 3: you guys have probably read already called Die with Zero.

1370
01:03:57,720 --> 01:03:58,840
Speaker 4: And I think the book, oh no.

1371
01:03:58,840 --> 01:04:00,760
Speaker 1: I haven't heard about it was it's so good.

1372
01:04:01,160 --> 01:04:06,320
Speaker 3: So basically it breaks down the way that I feel

1373
01:04:06,320 --> 01:04:09,480
Speaker 3: like a lot of financial educators might have started in

1374
01:04:09,560 --> 01:04:12,600
Speaker 3: their financial journey, where it was hold all his money

1375
01:04:12,640 --> 01:04:14,680
Speaker 3: and you know, invest all his money, put it away

1376
01:04:15,120 --> 01:04:18,240
Speaker 3: for the future, and then when that future comes up,

1377
01:04:18,440 --> 01:04:21,080
Speaker 3: we spend some of it. But because of the way

1378
01:04:21,080 --> 01:04:23,960
Speaker 3: that we think, we end up being frugal with that money,

1379
01:04:23,960 --> 01:04:26,080
Speaker 3: and we end up passing that on to the next generation,

1380
01:04:26,120 --> 01:04:29,000
Speaker 3: which I think is a great thing. But when you're

1381
01:04:29,040 --> 01:04:32,840
Speaker 3: thinking about Dying with Zero, it's basically thinking about today

1382
01:04:32,880 --> 01:04:36,440
Speaker 3: and saying, how can I maximize my utility my happiness

1383
01:04:36,520 --> 01:04:39,959
Speaker 3: now by using money as oh I love it, yeah,

1384
01:04:40,080 --> 01:04:42,439
Speaker 3: to do the things you want to do, have a

1385
01:04:42,480 --> 01:04:47,960
Speaker 3: certain budgets, have a certain budget for the kids and

1386
01:04:48,000 --> 01:04:51,320
Speaker 3: making sure that they're good, but not necessarily, you know,

1387
01:04:51,560 --> 01:04:54,040
Speaker 3: just hoarding that money until later. And you know, he

1388
01:04:54,080 --> 01:04:57,760
Speaker 3: talks about even our parents that might have that money

1389
01:04:57,760 --> 01:05:01,280
Speaker 3: being put away and they're not passed and onto us

1390
01:05:01,360 --> 01:05:04,040
Speaker 3: at times where we probably need it the most, like

1391
01:05:04,120 --> 01:05:06,640
Speaker 3: when I was for example, when I was twenty five

1392
01:05:06,720 --> 01:05:08,760
Speaker 3: and I was struggling and I was trying to pay

1393
01:05:08,760 --> 01:05:11,280
Speaker 3: off debt, and my mom and dad had it. You know,

1394
01:05:11,280 --> 01:05:13,160
Speaker 3: it'd be great if they could have given me some

1395
01:05:13,240 --> 01:05:15,960
Speaker 3: money to help me in that moment. Or you know,

1396
01:05:16,080 --> 01:05:19,960
Speaker 3: there's a story about you know, parents not giving their

1397
01:05:20,040 --> 01:05:22,600
Speaker 3: kids money for their first home or what have you

1398
01:05:22,640 --> 01:05:25,640
Speaker 3: because they're putting their money away. So there's things I

1399
01:05:25,720 --> 01:05:28,400
Speaker 3: agree with and some things I disagree with. But I

1400
01:05:28,400 --> 01:05:32,840
Speaker 3: think my bigger takeaway is really rethinking and rewiring your

1401
01:05:32,880 --> 01:05:36,360
Speaker 3: brain to think, Okay, well, how am I enjoying right now?

1402
01:05:36,480 --> 01:05:40,160
Speaker 3: Because we're in the era where you know, we are

1403
01:05:40,280 --> 01:05:42,400
Speaker 3: in good health, and we can do the things, we

1404
01:05:42,400 --> 01:05:45,439
Speaker 3: can travel and all that is and you know, something

1405
01:05:45,480 --> 01:05:47,440
Speaker 3: we should take for granted because you know, we hit

1406
01:05:47,600 --> 01:05:49,840
Speaker 3: fifties or sixty or seventies, we won't be able to

1407
01:05:49,880 --> 01:05:52,400
Speaker 3: do all of that, and we'll be looking back saying

1408
01:05:52,440 --> 01:05:55,280
Speaker 3: I wish I had my youth to enjoy those things.

1409
01:05:55,360 --> 01:05:58,040
Speaker 3: Go to Bali for the third time in three years,

1410
01:05:58,200 --> 01:06:00,919
Speaker 3: which I may or may not be doing, or going

1411
01:06:00,960 --> 01:06:03,200
Speaker 3: on that trip that you've always wanted to go on

1412
01:06:03,360 --> 01:06:07,600
Speaker 3: and you always said no. So it has helped me

1413
01:06:07,800 --> 01:06:09,640
Speaker 3: to have more of a balance.

1414
01:06:09,680 --> 01:06:12,480
Speaker 2: I would say I love that book. It definitely changed

1415
01:06:12,520 --> 01:06:14,400
Speaker 2: my mind on insurance too, because I used to just

1416
01:06:14,400 --> 01:06:16,520
Speaker 2: be like, oh, insurance, it's just a damn scam. But

1417
01:06:16,760 --> 01:06:19,200
Speaker 2: like when thinking about the fact that insurance is actually

1418
01:06:19,240 --> 01:06:21,040
Speaker 2: just a way to protect yourself from the fears that

1419
01:06:21,120 --> 01:06:22,680
Speaker 2: you have and from the risk that you can take.

1420
01:06:22,920 --> 01:06:25,480
Speaker 2: So there are certain types of insurance, like you know,

1421
01:06:25,760 --> 01:06:29,080
Speaker 2: disability insurance or you know long term care insurance, Like

1422
01:06:29,560 --> 01:06:33,160
Speaker 2: there's things where it does probably make sense if that

1423
01:06:33,200 --> 01:06:35,080
Speaker 2: thing is keeping you up at night to a point

1424
01:06:35,080 --> 01:06:37,040
Speaker 2: where you can't rest in p you can't sleep peacefully,

1425
01:06:37,080 --> 01:06:39,280
Speaker 2: you can't like be you know, then then maybe that

1426
01:06:39,280 --> 01:06:41,720
Speaker 2: type of insurance is actually suitable for you for your

1427
01:06:41,720 --> 01:06:44,160
Speaker 2: financial plan. So they changed my mind on that. And

1428
01:06:44,200 --> 01:06:46,360
Speaker 2: then the second thing was the piece you talked about with,

1429
01:06:46,400 --> 01:06:49,120
Speaker 2: like the inheritance. That is huge. I mean, I'm not

1430
01:06:49,240 --> 01:06:51,720
Speaker 2: one I've never even once thought i was going to

1431
01:06:51,760 --> 01:06:54,080
Speaker 2: get inheritance. My parents have nothing to pass down. But

1432
01:06:54,120 --> 01:06:56,200
Speaker 2: I've always been the type of person who's thinking about,

1433
01:06:56,200 --> 01:06:58,400
Speaker 2: like what my nieces and nephews will inherit from me,

1434
01:06:58,640 --> 01:07:00,120
Speaker 2: and how I can make sure that my will and

1435
01:07:00,200 --> 01:07:02,080
Speaker 2: like that, I set up trusts and things. And now

1436
01:07:02,120 --> 01:07:04,360
Speaker 2: I'm like, oh, wait a minute, that makes so much sense,

1437
01:07:04,400 --> 01:07:07,400
Speaker 2: because if I wait to die till they inherit their money,

1438
01:07:07,520 --> 01:07:09,200
Speaker 2: then by the time they receive it, they're already in

1439
01:07:09,240 --> 01:07:11,400
Speaker 2: their fifties and sixties, they don't need it. They needed

1440
01:07:11,400 --> 01:07:12,960
Speaker 2: it when they were in their thirties with a kid

1441
01:07:13,000 --> 01:07:14,480
Speaker 2: and trying to pay a mortgage and trying to pay

1442
01:07:14,520 --> 01:07:16,840
Speaker 2: for school. That's when they needed it. But at the

1443
01:07:16,880 --> 01:07:19,040
Speaker 2: same time, it really depends on how much money you have,

1444
01:07:19,160 --> 01:07:20,800
Speaker 2: because you might not have as much when they're in

1445
01:07:20,800 --> 01:07:23,640
Speaker 2: their thirties as opposed to thirty forty years later. They

1446
01:07:23,640 --> 01:07:26,280
Speaker 2: inherit a lot more so it is a little bit

1447
01:07:26,280 --> 01:07:26,880
Speaker 2: of a balance.

1448
01:07:26,840 --> 01:07:30,080
Speaker 1: It's a trust fund of my mid thirties, right, which for.

1449
01:07:30,120 --> 01:07:33,480
Speaker 2: Sure, Dude, even just even just ten or twenty thousand

1450
01:07:33,520 --> 01:07:36,440
Speaker 2: dollars could have gone so far to help most people

1451
01:07:36,440 --> 01:07:38,440
Speaker 2: in their thirties and forties as opposed to waiting for

1452
01:07:38,440 --> 01:07:41,200
Speaker 2: one hundred thousand dollars inheritance twenty years later. I really

1453
01:07:41,280 --> 01:07:42,720
Speaker 2: do think it would have been more useful to get

1454
01:07:42,720 --> 01:07:45,000
Speaker 2: twenty k when they desperately needed it. So I do

1455
01:07:45,040 --> 01:07:47,200
Speaker 2: think that that was a really solid point. I just

1456
01:07:47,200 --> 01:07:48,920
Speaker 2: think the math sometimes you kind of got to think

1457
01:07:48,920 --> 01:07:51,680
Speaker 2: about the math. But I think Mark, that book was

1458
01:07:51,720 --> 01:07:53,240
Speaker 2: so good. I read it a couple months ago, and

1459
01:07:53,240 --> 01:07:58,720
Speaker 2: I've been recommending it to everybody not me. Now I

1460
01:07:58,720 --> 01:08:01,360
Speaker 2: recommended it to you, Bill Perk, DI was zero, Go

1461
01:08:01,400 --> 01:08:02,439
Speaker 2: read it. It's so good.

1462
01:08:02,800 --> 01:08:06,440
Speaker 1: You did so good. Oh, I don't remember. I didn't remember.

1463
01:08:06,960 --> 01:08:09,520
Speaker 1: I do need another book club pick, ba, It's gonna

1464
01:08:09,520 --> 01:08:11,040
Speaker 1: have a new book club pick in August. So I've

1465
01:08:11,080 --> 01:08:13,160
Speaker 1: been looking. If you have any ideas, BA fan, let

1466
01:08:13,160 --> 01:08:15,920
Speaker 1: me know. I have some, but I don't know. I'm

1467
01:08:16,000 --> 01:08:18,840
Speaker 1: kind of shying away from strictly like financial books, but

1468
01:08:18,920 --> 01:08:21,719
Speaker 1: that one sounds like more philosophical almost it's like a combo.

1469
01:08:22,040 --> 01:08:24,640
Speaker 2: It is a combo. Yeah, I'm not appreciated about it

1470
01:08:24,680 --> 01:08:26,920
Speaker 2: because it is about money, but it's really about life

1471
01:08:27,040 --> 01:08:28,720
Speaker 2: more than it's about money, and how to make sure

1472
01:08:28,760 --> 01:08:31,920
Speaker 2: you're maximizing for happiness in life and joy and meaning.

1473
01:08:33,160 --> 01:08:35,320
Speaker 1: You know, I was I saw a clip of Michelle

1474
01:08:35,360 --> 01:08:38,400
Speaker 1: Obama's interview. Where was she interviewing at? I think it

1475
01:08:38,439 --> 01:08:42,600
Speaker 1: was NPR. And by the way, Michelle missus Obama, I

1476
01:08:42,640 --> 01:08:45,960
Speaker 1: think our invite lost in the mail, but you're out here.

1477
01:08:46,160 --> 01:08:48,920
Speaker 1: She sure is on these podcasts. I'm just saying, well,

1478
01:08:48,920 --> 01:08:52,400
Speaker 1: because she's morning her podcasts where yes, exactly, but you know,

1479
01:08:52,520 --> 01:08:54,719
Speaker 1: and she's she's done a little feed drop with BA

1480
01:08:54,840 --> 01:08:57,320
Speaker 1: we partnered on that. But I'm just saying, like Michelle

1481
01:08:58,280 --> 01:09:02,439
Speaker 1: Malia specifically Malia saw Friends of Malia or Sasha. If

1482
01:09:02,479 --> 01:09:05,200
Speaker 1: you listen to this podcast and you know Malia or

1483
01:09:05,240 --> 01:09:08,200
Speaker 1: Sasha or maybe Michelle's intern, that's how we're going to

1484
01:09:08,240 --> 01:09:10,800
Speaker 1: get to her. We need the youths Okay, let her

1485
01:09:10,840 --> 01:09:13,479
Speaker 1: know about Brown ambition, just mention it and that we'd

1486
01:09:13,479 --> 01:09:15,400
Speaker 1: love to have her on. But anyway, she told us

1487
01:09:15,439 --> 01:09:18,400
Speaker 1: really like not chilling, not in like a scary way,

1488
01:09:18,439 --> 01:09:22,280
Speaker 1: but just gave me chills. But she was talking about

1489
01:09:22,280 --> 01:09:26,840
Speaker 1: her mother, who had passed away earlier this year, like

1490
01:09:27,200 --> 01:09:29,840
Speaker 1: ear late last year she passed away, and how one

1491
01:09:29,840 --> 01:09:32,120
Speaker 1: of the last things she said to Michelle, they were

1492
01:09:32,160 --> 01:09:34,200
Speaker 1: just watching TV or something, and she turned to Michelle

1493
01:09:34,200 --> 01:09:38,599
Speaker 1: and was like, that went really fast, you know, as

1494
01:09:38,640 --> 01:09:42,040
Speaker 1: in life, like it went really fast. And it's that

1495
01:09:42,120 --> 01:09:45,200
Speaker 1: whole saying of the days are long, but you know

1496
01:09:45,240 --> 01:09:49,880
Speaker 1: the years are short. And I've been trying to when

1497
01:09:49,880 --> 01:09:51,880
Speaker 1: I'm having my like really stressful moments that I'm just

1498
01:09:51,920 --> 01:09:54,200
Speaker 1: begging for the day to end, like please let me

1499
01:09:54,439 --> 01:09:57,280
Speaker 1: these kids go to sleep, let me be able to

1500
01:09:57,280 --> 01:10:00,679
Speaker 1: shut my brain off, like begging, like die for that time.

1501
01:10:00,720 --> 01:10:02,960
Speaker 1: I just it's always a good reminder. I think that

1502
01:10:03,000 --> 01:10:05,720
Speaker 1: mindset of like we only have this one precious life.

1503
01:10:05,760 --> 01:10:08,839
Speaker 1: We actually look like I may think I look really hagrid,

1504
01:10:08,880 --> 01:10:11,799
Speaker 1: but I'm actually really hot compared to what I'll be

1505
01:10:11,840 --> 01:10:15,439
Speaker 1: in another forty years, and like really healthy, like you said,

1506
01:10:15,479 --> 01:10:19,040
Speaker 1: like my health maybe my back is hurting, my eyesight

1507
01:10:19,120 --> 01:10:21,200
Speaker 1: is starting to go a little bit, but there's still

1508
01:10:21,200 --> 01:10:24,120
Speaker 1: a lot of life to be excited about and to

1509
01:10:24,360 --> 01:10:27,160
Speaker 1: take advantage of. So yeah, I loved that. Like that.

1510
01:10:28,040 --> 01:10:29,439
Speaker 2: I want to add one thing that I heard from

1511
01:10:29,479 --> 01:10:33,360
Speaker 2: doctor Peter Atilla, and I thought it was brilliant. I'm

1512
01:10:33,360 --> 01:10:35,479
Speaker 2: not a parent, but since Mandy, since you are, I'm

1513
01:10:35,479 --> 01:10:37,280
Speaker 2: gonna give this to you and everybody listening whom I

1514
01:10:37,360 --> 01:10:42,960
Speaker 2: have kids, child is having a tantrum. You are in

1515
01:10:43,000 --> 01:10:45,479
Speaker 2: the thick of it. You want to just fling them

1516
01:10:45,479 --> 01:10:47,800
Speaker 2: across the room and not be dealing with them. And

1517
01:10:47,880 --> 01:10:51,360
Speaker 2: you know, and you say to yourself, what if in

1518
01:10:51,400 --> 01:10:56,120
Speaker 2: this moment, what actually happened is just now, I was

1519
01:10:57,240 --> 01:11:00,599
Speaker 2: ninety one years old, eighty seven years old, seventy five

1520
01:11:00,680 --> 01:11:03,920
Speaker 2: years old put x number age right, much older. And

1521
01:11:05,040 --> 01:11:07,880
Speaker 2: my kids are grown and they barely talk to me anymore.

1522
01:11:07,880 --> 01:11:09,639
Speaker 2: They're live, busy, living their lives. You know, I maybe

1523
01:11:09,680 --> 01:11:11,960
Speaker 2: talk to them once a week or whatever. And I've

1524
01:11:11,960 --> 01:11:16,639
Speaker 2: been given this moment, this magical moment to go time

1525
01:11:16,720 --> 01:11:20,280
Speaker 2: travel back in time to this moment when I get

1526
01:11:20,320 --> 01:11:24,759
Speaker 2: to experience them this little again right now. And that's

1527
01:11:24,840 --> 01:11:27,519
Speaker 2: the moment that you have. And yes, they're having a tantrum,

1528
01:11:27,560 --> 01:11:31,120
Speaker 2: But is it gonna like is that gonna reach I get.

1529
01:11:31,000 --> 01:11:32,599
Speaker 1: To be in my thirty eight year old body.

1530
01:11:32,840 --> 01:11:35,080
Speaker 2: Yeah, you literally get to come back right now.

1531
01:11:35,600 --> 01:11:38,880
Speaker 1: I'm still thirty seven for one more month, thirty seven,

1532
01:11:39,680 --> 01:11:42,880
Speaker 1: thirty seven, Come on now, thirty seven, you get to

1533
01:11:42,920 --> 01:11:46,280
Speaker 1: come back be thirty seven again. Yeah, my mom sent

1534
01:11:46,320 --> 01:11:48,559
Speaker 1: me literally what you're talking about, you, ellie. My mom

1535
01:11:48,640 --> 01:11:51,000
Speaker 1: sent me an instant, like a real today. That was

1536
01:11:51,040 --> 01:11:54,040
Speaker 1: a woman reading a letter exactly like that, like you've

1537
01:11:54,040 --> 01:11:56,120
Speaker 1: been you've time traveled. You're waking up in your thirty

1538
01:11:56,120 --> 01:11:58,680
Speaker 1: eight year old body. You know that was And I,

1539
01:11:58,720 --> 01:12:01,040
Speaker 1: of course I was crying, like, say, am right?

1540
01:12:01,360 --> 01:12:02,080
Speaker 2: Is it just so?

1541
01:12:02,400 --> 01:12:06,639
Speaker 1: Also? Yeah, shout out to anybody who was changing their

1542
01:12:06,680 --> 01:12:09,960
Speaker 1: medication regimen for mental health. Like I actually stopped taking zoloft.

1543
01:12:10,000 --> 01:12:14,800
Speaker 1: I've been weaning off for two months now. I'm remembering

1544
01:12:14,840 --> 01:12:17,240
Speaker 1: what it feels like to feel all the things, and

1545
01:12:17,360 --> 01:12:19,040
Speaker 1: I cry all the damn nuts.

1546
01:12:19,560 --> 01:12:21,280
Speaker 2: Anything can get me, Okay, I.

1547
01:12:24,360 --> 01:12:28,559
Speaker 1: Know I cried. Everything is nuts speaking of Amaya Bia,

1548
01:12:28,680 --> 01:12:31,679
Speaker 1: I'm a Baia. That's gonna be my boost. I couldn't

1549
01:12:31,680 --> 01:12:33,439
Speaker 1: tell if I should do a booster or break, but

1550
01:12:33,479 --> 01:12:35,120
Speaker 1: I knew it was going to be about Love Island.

1551
01:12:35,280 --> 01:12:41,280
Speaker 1: I knew it. Here's what I want. Margo, Please tell

1552
01:12:41,320 --> 01:12:43,720
Speaker 1: me are you at the villa with us. Have you

1553
01:12:43,760 --> 01:12:45,879
Speaker 1: been watching I have no Love Island.

1554
01:12:46,000 --> 01:12:51,719
Speaker 3: But I had a conversation. I was Atlanta Rudd Club yesterday.

1555
01:12:51,800 --> 01:12:53,920
Speaker 3: One of my good buddies was like, you just have

1556
01:12:54,000 --> 01:12:56,439
Speaker 3: to watch a first episode, then go all the way

1557
01:12:56,520 --> 01:12:58,840
Speaker 3: to episode twenty and start there.

1558
01:12:59,080 --> 01:13:00,800
Speaker 4: And I was like, oh, that's very wild.

1559
01:13:00,880 --> 01:13:01,879
Speaker 2: Oh that's really smart.

1560
01:13:02,000 --> 01:13:04,360
Speaker 1: Yeah, I like to watch the recap from last week.

1561
01:13:04,400 --> 01:13:06,920
Speaker 1: So I'll skip the episode, watch the recap, skip to

1562
01:13:06,960 --> 01:13:09,080
Speaker 1: the end of the episode, watched the last fifteen minutes.

1563
01:13:09,360 --> 01:13:10,479
Speaker 1: Nothing in the middle was worth it.

1564
01:13:10,600 --> 01:13:12,200
Speaker 2: We don't really watch it at all.

1565
01:13:13,080 --> 01:13:14,960
Speaker 1: Well, this is the thing. Like my cousin got me

1566
01:13:15,000 --> 01:13:17,880
Speaker 1: into Love Island back in the pandemic and she was

1567
01:13:17,920 --> 01:13:20,160
Speaker 1: like twenty four anyway, so she's like, oh, and this

1568
01:13:20,200 --> 01:13:22,040
Speaker 1: is when it was just the UK version, so it

1569
01:13:22,080 --> 01:13:25,719
Speaker 1: was on Hulu. Them joints were like seventy episodes long.

1570
01:13:25,880 --> 01:13:29,240
Speaker 1: They were at the villa all summer, every day. So no,

1571
01:13:29,400 --> 01:13:32,599
Speaker 1: I did not watch seventy hours. I had. I had

1572
01:13:32,640 --> 01:13:35,519
Speaker 1: a life. I has some dignity, But yeah, I developed

1573
01:13:35,520 --> 01:13:39,160
Speaker 1: this habit. But if I get locked in, but even

1574
01:13:39,240 --> 01:13:42,519
Speaker 1: like even now, like so the viral the couple that

1575
01:13:42,680 --> 01:13:49,640
Speaker 1: everyone who watches Love Island has been talking about is Nikodladria.

1576
01:13:49,760 --> 01:13:51,760
Speaker 1: I didn't know. I was still a giddy thirteen year

1577
01:13:51,800 --> 01:13:54,519
Speaker 1: old shipping the Pink and Green Ranger. She said, that

1578
01:13:54,680 --> 01:13:59,559
Speaker 1: is what it feels like. I I need I need

1579
01:13:59,560 --> 01:14:02,760
Speaker 1: their love to survive. I legitimate. I was really I

1580
01:14:02,760 --> 01:14:04,960
Speaker 1: don't know how it is tapped. It is really tapped

1581
01:14:05,000 --> 01:14:07,800
Speaker 1: into this, like, okay, thirteen is too old, Like eight

1582
01:14:07,880 --> 01:14:11,200
Speaker 1: year old me. I was so invested in the Pink

1583
01:14:11,200 --> 01:14:14,559
Speaker 1: and Green Rainfair. I mean like, and they gave us nothing.

1584
01:14:14,760 --> 01:14:17,120
Speaker 1: They gave us crumbs because it's a children's show. There

1585
01:14:17,160 --> 01:14:21,280
Speaker 1: was no smoochy smooches. There was barely like a date scene.

1586
01:14:21,760 --> 01:14:24,519
Speaker 1: But whatever, I'm lean. I'm just like, I'm letting it happen.

1587
01:14:24,640 --> 01:14:27,720
Speaker 1: I am. I love love. I love watching them fall

1588
01:14:27,840 --> 01:14:32,200
Speaker 1: them love. It's really really cute. It's so cute, and

1589
01:14:32,240 --> 01:14:34,040
Speaker 1: I want to do a boost for Nicolandria and I

1590
01:14:34,120 --> 01:14:36,439
Speaker 1: want to say, we have to use our voices and vote, y'all.

1591
01:14:36,479 --> 01:14:38,479
Speaker 1: We have to be I never.

1592
01:14:38,800 --> 01:14:42,040
Speaker 2: Watch when I watch you don't vote, you're my quote

1593
01:14:42,080 --> 01:14:45,120
Speaker 2: worst kind of American girls, because watching it live, you'll

1594
01:14:45,160 --> 01:14:47,120
Speaker 2: be texting me live and I'm like, I didn't watch

1595
01:14:47,120 --> 01:14:49,360
Speaker 2: it yet. Because I'm doing all this stuff. I watch it,

1596
01:14:49,400 --> 01:14:50,160
Speaker 2: watch it to vote.

1597
01:14:50,160 --> 01:14:51,559
Speaker 1: You just got to go with the love isolent.

1598
01:14:51,400 --> 01:14:53,880
Speaker 2: App Yes, true, but like I always feel like I

1599
01:14:53,920 --> 01:14:55,960
Speaker 2: have to be up on what happened. But like I

1600
01:14:56,040 --> 01:14:58,120
Speaker 2: usually will watch it when I'm have to be.

1601
01:14:58,080 --> 01:15:00,479
Speaker 1: A you don't always have to be an education voter.

1602
01:15:00,920 --> 01:15:03,959
Speaker 1: Just vote. I mean, is that what you're like, Gandria,

1603
01:15:04,120 --> 01:15:07,400
Speaker 1: that's what you're talking to promote for Love Island.

1604
01:15:07,479 --> 01:15:11,080
Speaker 2: Yes, I'll just vote anything to Calandria from now on,

1605
01:15:11,200 --> 01:15:13,000
Speaker 2: just to make you happy the go.

1606
01:15:13,680 --> 01:15:17,280
Speaker 1: But some and I blame the person on threads who

1607
01:15:17,520 --> 01:15:20,720
Speaker 1: sent me a link to some fan fiction because.

1608
01:15:21,840 --> 01:15:22,439
Speaker 4: You text me.

1609
01:15:22,560 --> 01:15:24,640
Speaker 2: I read this fan fiction. It was so good. And

1610
01:15:24,680 --> 01:15:26,760
Speaker 2: this was before they even hooked up, Before they even

1611
01:15:26,800 --> 01:15:29,400
Speaker 2: hooked up, I.

1612
01:15:29,360 --> 01:15:32,040
Speaker 1: Was reading a chat. I'm like, oh, it was very spicy.

1613
01:15:32,400 --> 01:15:35,200
Speaker 1: I was like, at this is when it's sad. I

1614
01:15:35,240 --> 01:15:38,080
Speaker 1: was at a family function this past week. It's for

1615
01:15:38,240 --> 01:15:41,400
Speaker 1: my father in law. Everyone's chatting. I'm in the corner

1616
01:15:41,479 --> 01:15:47,840
Speaker 1: because chapter thirteen just dropped of the fanficad.

1617
01:15:46,560 --> 01:15:48,799
Speaker 2: Like, give me alone anutes.

1618
01:15:48,800 --> 01:15:52,479
Speaker 1: It's a little drip, drip, a little some some, but no,

1619
01:15:52,680 --> 01:15:55,120
Speaker 1: I'm so excited for my girl my guy. I want

1620
01:15:55,160 --> 01:15:57,439
Speaker 1: them to win. However, I do want to just like

1621
01:15:57,760 --> 01:16:00,320
Speaker 1: to bring it down to reality a little bit. I

1622
01:16:00,439 --> 01:16:02,840
Speaker 1: got to talk about the reason why they've had this

1623
01:16:03,320 --> 01:16:06,720
Speaker 1: additional opportunity too, to find each other again into couple up.

1624
01:16:06,960 --> 01:16:09,000
Speaker 1: It's and for marks, the marks of the world who

1625
01:16:09,040 --> 01:16:13,120
Speaker 1: may not know. So Nick, yeah, yeah, it's fine. But

1626
01:16:13,280 --> 01:16:15,120
Speaker 1: you were happy for me because you have love for me.

1627
01:16:15,240 --> 01:16:17,400
Speaker 1: We're friends, Like you're happy. You see how happy I am? Right,

1628
01:16:17,520 --> 01:16:22,400
Speaker 1: you invested? So, so what Nick was coupled up with Sierra.

1629
01:16:23,400 --> 01:16:28,160
Speaker 1: Sierra is this influencer and she's been an influencer for

1630
01:16:28,240 --> 01:16:30,839
Speaker 1: a long time. She's had hundreds of thousands of followers

1631
01:16:30,880 --> 01:16:35,240
Speaker 1: across socials for a long time. And even with all that,

1632
01:16:35,960 --> 01:16:37,880
Speaker 1: bitch did not think to go back into her you know,

1633
01:16:38,400 --> 01:16:42,439
Speaker 1: her history and take on anything problematic. And so they

1634
01:16:42,520 --> 01:16:45,400
Speaker 1: had uncovered So I don't know who. I low key

1635
01:16:45,479 --> 01:16:47,120
Speaker 1: think it was the producers of the show. I think

1636
01:16:47,160 --> 01:16:48,240
Speaker 1: they's the mom.

1637
01:16:49,720 --> 01:16:50,760
Speaker 2: Social mode.

1638
01:16:51,400 --> 01:16:53,200
Speaker 1: So they found some They found a post where she

1639
01:16:53,280 --> 01:16:55,479
Speaker 1: was talking about her Boatox, trying to be a cool

1640
01:16:55,520 --> 01:16:58,680
Speaker 1: girl like I acknowledge my I acknowledge my Boatox. I'm

1641
01:16:58,680 --> 01:17:02,360
Speaker 1: a cool girl. I'm casual about it Hi, Ronnie, my

1642
01:17:02,439 --> 01:17:02,920
Speaker 1: dad's friends.

1643
01:17:03,120 --> 01:17:05,080
Speaker 2: It ain't botoks at like twenty one years old?

1644
01:17:05,240 --> 01:17:08,639
Speaker 1: Is so sad? Oh crazy, so sad, so much lip filler?

1645
01:17:08,680 --> 01:17:09,080
Speaker 1: Oh my god.

1646
01:17:09,200 --> 01:17:11,040
Speaker 2: Trying not to judge. But if you're twenty one years

1647
01:17:11,080 --> 01:17:11,639
Speaker 2: old though.

1648
01:17:11,760 --> 01:17:11,840
Speaker 3: Like.

1649
01:17:13,479 --> 01:17:15,920
Speaker 1: Too much disposable income. They needs to read that book.

1650
01:17:16,000 --> 01:17:18,479
Speaker 1: I was zero, Do something regularly, do something good with

1651
01:17:18,560 --> 01:17:21,960
Speaker 1: him money. But so she has said in her posts

1652
01:17:22,040 --> 01:17:24,360
Speaker 1: like I'm doing this because my eyes like a little

1653
01:17:25,360 --> 01:17:27,280
Speaker 1: C word C hi n ky.

1654
01:17:27,760 --> 01:17:29,519
Speaker 2: Which how are we.

1655
01:17:29,600 --> 01:17:31,960
Speaker 1: Still like using that word in twenty twenty five. I

1656
01:17:32,080 --> 01:17:34,360
Speaker 1: have known since I was like nine.

1657
01:17:34,479 --> 01:17:36,240
Speaker 2: Really I thought that post was from when she was

1658
01:17:36,280 --> 01:17:37,479
Speaker 2: a teenager? Is that from now?

1659
01:17:37,920 --> 01:17:40,200
Speaker 1: No? No, no, no, no, no teenager? Yeah no no,

1660
01:17:40,479 --> 01:17:44,400
Speaker 1: it was an Instagram story she's getting her botox. I'm

1661
01:17:44,400 --> 01:17:47,519
Speaker 1: talking about like I've known for years that, like since

1662
01:17:47,560 --> 01:17:49,639
Speaker 1: I was in middle school. I remember because I had

1663
01:17:49,760 --> 01:17:51,320
Speaker 1: a lot of I had a couple of Asian friends,

1664
01:17:51,360 --> 01:17:53,720
Speaker 1: and I remember them they would use that word and

1665
01:17:53,840 --> 01:17:55,200
Speaker 1: for it was kind of like the N word, like

1666
01:17:55,280 --> 01:17:57,519
Speaker 1: they could say it. Maybe it would be their a

1667
01:17:57,680 --> 01:18:01,519
Speaker 1: well aim profile name like maybe you know, but like

1668
01:18:01,600 --> 01:18:03,920
Speaker 1: you wouldn't use that word anyway. So she used it

1669
01:18:04,000 --> 01:18:06,519
Speaker 1: to say why she was getting her botox and how

1670
01:18:06,560 --> 01:18:08,280
Speaker 1: could you let someone put a needle so close to

1671
01:18:08,360 --> 01:18:10,920
Speaker 1: your eyeball? Oh my god, And I don't even know

1672
01:18:10,960 --> 01:18:12,599
Speaker 1: how that would help. But the shape of her eye,

1673
01:18:12,640 --> 01:18:14,800
Speaker 1: she said, was a little C word, and she wrote

1674
01:18:14,840 --> 01:18:17,080
Speaker 1: that in the post, and it was that was the

1675
01:18:17,200 --> 01:18:20,200
Speaker 1: initial like, oh no, Sarah Sierra said this racist thing.

1676
01:18:20,240 --> 01:18:23,400
Speaker 1: It was like from twenty twenty three, the mob continued.

1677
01:18:23,520 --> 01:18:26,479
Speaker 1: A couple of mob members sent receipts she had said

1678
01:18:26,479 --> 01:18:29,160
Speaker 1: it even before that, or no, she had went on

1679
01:18:29,280 --> 01:18:31,920
Speaker 1: to say it again a year later, twenty twenty four,

1680
01:18:32,600 --> 01:18:35,000
Speaker 1: and someone had DMed her like, hey, we don't say

1681
01:18:35,040 --> 01:18:36,360
Speaker 1: that that's racist, we don't use that.

1682
01:18:36,600 --> 01:18:37,120
Speaker 2: Take it down.

1683
01:18:37,200 --> 01:18:38,559
Speaker 1: So sorry, I won't do it again.

1684
01:18:38,680 --> 01:18:40,720
Speaker 2: Sorry, bitch did it again. But she didn't take it

1685
01:18:40,760 --> 01:18:42,439
Speaker 2: down though, How sorry are you if you didn't take

1686
01:18:42,439 --> 01:18:42,680
Speaker 2: it down?

1687
01:18:42,720 --> 01:18:46,640
Speaker 1: And you can not? Sorry? Yeah, not at all. So

1688
01:18:46,800 --> 01:18:49,519
Speaker 1: she gets she gets ghosted from the villa. All of

1689
01:18:49,560 --> 01:18:51,960
Speaker 1: a sudden, she's no longer there Mark, they've taken a

1690
01:18:52,000 --> 01:18:55,519
Speaker 1: fear out for her personal reasons. She had to go home,

1691
01:18:55,600 --> 01:18:59,559
Speaker 1: and she's but I'm actually I feel I don't feel

1692
01:18:59,560 --> 01:19:02,880
Speaker 1: compassion for her, because obviously she said these horrible things,

1693
01:19:02,960 --> 01:19:06,200
Speaker 1: and she needs to not be have a platform like this.

1694
01:19:07,120 --> 01:19:10,320
Speaker 1: But imagine you're in this villa. You are with the

1695
01:19:10,600 --> 01:19:12,479
Speaker 1: finest man who looks like.

1696
01:19:12,880 --> 01:19:14,960
Speaker 5: And you're clothed like it, and you're clothes and you're

1697
01:19:15,000 --> 01:19:20,000
Speaker 5: clothed off and somehow, somehow you have overcome Alandria, even

1698
01:19:20,040 --> 01:19:23,200
Speaker 5: though I know he never ever stopped loving Alandra, somehow

1699
01:19:23,240 --> 01:19:24,200
Speaker 5: you still have this man.

1700
01:19:25,200 --> 01:19:27,240
Speaker 1: Then you ask it's and you're in Fiji. Then your

1701
01:19:27,320 --> 01:19:29,240
Speaker 1: usk it's escorted out. You got to go back home

1702
01:19:29,320 --> 01:19:31,800
Speaker 1: to your life, and you're like, not that sad, because

1703
01:19:31,800 --> 01:19:34,920
Speaker 1: you're hot, you're young, you're an influencer, like, you're probably rich, Like,

1704
01:19:35,360 --> 01:19:37,160
Speaker 1: go back to La Shore. But then you get your

1705
01:19:37,240 --> 01:19:40,600
Speaker 1: phone back and you find out that not only have

1706
01:19:40,800 --> 01:19:44,360
Speaker 1: you lost you know, not only have has these these

1707
01:19:44,560 --> 01:19:47,080
Speaker 1: racist things that you've said been uncovered. And that's really embarrassing.

1708
01:19:47,720 --> 01:19:51,439
Speaker 1: But Nick's own mother didn't want him with you. She

1709
01:19:51,720 --> 01:19:54,519
Speaker 1: was rooting for Landria the whole time. There is memes,

1710
01:19:54,640 --> 01:19:57,160
Speaker 1: there is a whole movement, there's fan fiction. There's thirty

1711
01:19:57,160 --> 01:20:00,800
Speaker 1: eight year old moms out here obsessed with you, with

1712
01:20:00,960 --> 01:20:02,080
Speaker 1: someone else taking.

1713
01:20:01,920 --> 01:20:05,839
Speaker 2: Your band, and she lost two hundred thousand plus followers.

1714
01:20:05,880 --> 01:20:07,600
Speaker 2: She was about to hit a million, and then she

1715
01:20:07,720 --> 01:20:09,240
Speaker 2: lost two hundred thousand followers.

1716
01:20:10,600 --> 01:20:14,320
Speaker 1: That kind of downfall. I mean, I don't I don't

1717
01:20:14,360 --> 01:20:17,639
Speaker 1: wish harm about anybody except for the commander in chief

1718
01:20:17,720 --> 01:20:22,640
Speaker 1: Orange clockwork, Like obviously, I hope that she does. I

1719
01:20:22,760 --> 01:20:25,479
Speaker 1: hope she I hope she comes out on the other side, okay,

1720
01:20:26,320 --> 01:20:29,600
Speaker 1: because I know that the internet is so mean and

1721
01:20:29,840 --> 01:20:35,840
Speaker 1: so like so violent, you know, aggressive is the word aggressive?

1722
01:20:37,280 --> 01:20:39,559
Speaker 1: And I want I want to be clear. I want Landria,

1723
01:20:39,600 --> 01:20:41,880
Speaker 1: I want Nicolandria to live on. I want them to

1724
01:20:41,920 --> 01:20:43,840
Speaker 1: get married. I want the wedding to be televised. I

1725
01:20:43,920 --> 01:20:47,000
Speaker 1: want to be a bridesmaid, all those things. I think

1726
01:20:47,360 --> 01:20:52,439
Speaker 1: Sierra has suffered enough embarrassment, like yeah, and the core public.

1727
01:20:52,560 --> 01:20:55,600
Speaker 1: I think the fact that she's getting death threats, her

1728
01:20:55,600 --> 01:20:58,760
Speaker 1: family's getting death threats, like yeah, you know, too much,

1729
01:20:59,240 --> 01:21:00,320
Speaker 1: we'd be doing too much, which.

1730
01:21:01,240 --> 01:21:05,360
Speaker 3: Yeah, I feel like, of course she shouldn't have done

1731
01:21:05,520 --> 01:21:08,040
Speaker 3: any of that, and hopefully it's a learning lesson for

1732
01:21:08,160 --> 01:21:10,639
Speaker 3: her and all the people that are watching Love Island.

1733
01:21:12,040 --> 01:21:15,200
Speaker 3: But marketing is marketing, right, like if she was to

1734
01:21:15,360 --> 01:21:17,880
Speaker 3: take advantage of it, we're thinking about the other side

1735
01:21:18,600 --> 01:21:21,400
Speaker 3: write a book, you know, get something, create something of

1736
01:21:21,439 --> 01:21:21,760
Speaker 3: your own.

1737
01:21:21,800 --> 01:21:22,400
Speaker 1: What would it say?

1738
01:21:23,000 --> 01:21:25,559
Speaker 4: I don't know, but I learned the hard way.

1739
01:21:26,640 --> 01:21:29,839
Speaker 1: Don't put out on national television for twenty five seconds

1740
01:21:29,880 --> 01:21:32,760
Speaker 1: with the boy who's clearly in love with a goddess.

1741
01:21:33,760 --> 01:21:39,320
Speaker 2: A goddess who sells elevators, sells she's a woman. No,

1742
01:21:39,479 --> 01:21:40,200
Speaker 2: I'm not gonna lie.

1743
01:21:40,520 --> 01:21:41,799
Speaker 1: She has a real career.

1744
01:21:42,040 --> 01:21:45,559
Speaker 2: She is fine a she's fine af She beautiful head

1745
01:21:45,560 --> 01:21:47,360
Speaker 2: to toe. She's probably the most beautiful or second most

1746
01:21:47,400 --> 01:21:49,559
Speaker 2: beautiful woman in ever loved. For real. Between her and Shelley,

1747
01:21:49,600 --> 01:21:52,760
Speaker 2: I can't tell. They're both freaking gorgeous. But I mean,

1748
01:21:53,479 --> 01:21:55,040
Speaker 2: you know, she crashed out a little bit about the

1749
01:21:55,040 --> 01:21:56,960
Speaker 2: tailor situation and lost a little bit of respect. I

1750
01:21:57,080 --> 01:21:59,720
Speaker 2: was on there on that one, A little embarrassing for her,

1751
01:21:59,800 --> 01:22:01,960
Speaker 2: But no, one hundred percent. I'm with you. She's gorgeous

1752
01:22:02,000 --> 01:22:04,200
Speaker 2: and Nick and her are cute. But I just I

1753
01:22:04,240 --> 01:22:05,880
Speaker 2: don't know. I agree with you, Mark. I feel like

1754
01:22:05,920 --> 01:22:08,920
Speaker 2: it should, if anything, be a learning experience. But it's

1755
01:22:09,000 --> 01:22:10,920
Speaker 2: kind of hard to pivot when you are in the

1756
01:22:11,000 --> 01:22:13,360
Speaker 2: thick of such negativity, and it's you know, it's not

1757
01:22:13,520 --> 01:22:15,960
Speaker 2: just about a brand that you were affiliated with. It's

1758
01:22:15,960 --> 01:22:20,160
Speaker 2: about you, your personal brand, you know. So it's a

1759
01:22:20,200 --> 01:22:21,439
Speaker 2: little it's hard.

1760
01:22:22,080 --> 01:22:22,719
Speaker 4: Give me the money.

1761
01:22:22,920 --> 01:22:26,360
Speaker 2: She can exactly that. That's the learning.

1762
01:22:28,880 --> 01:22:30,360
Speaker 1: This is the week we're gonna find out. Are they

1763
01:22:30,400 --> 01:22:33,400
Speaker 1: gonna win? Are they or I don't think.

1764
01:22:33,640 --> 01:22:35,519
Speaker 2: I don't think they're gonna win. I think in my papyas,

1765
01:22:35,560 --> 01:22:38,320
Speaker 2: she already stole America's heart, like and rightfully so.

1766
01:22:38,479 --> 01:22:40,280
Speaker 1: She's such a sweet heard Brian or not.

1767
01:22:40,880 --> 01:22:42,160
Speaker 2: No, I don't think her and Brian are real. I

1768
01:22:42,200 --> 01:22:43,519
Speaker 2: think she has a question on Brian. I don't think

1769
01:22:43,560 --> 01:22:46,360
Speaker 2: Brian is checking for her at all. But you know,

1770
01:22:46,600 --> 01:22:49,000
Speaker 2: it's a game trying to win money, Like I get it,

1771
01:22:49,200 --> 01:22:50,920
Speaker 2: do what you gotta do, kiss who you gotta kiss?

1772
01:22:50,960 --> 01:22:52,840
Speaker 2: You about to come out there with a couple hundred thousand,

1773
01:22:53,000 --> 01:22:55,920
Speaker 2: I mean, you know, do what you gotta do twenty.

1774
01:22:56,040 --> 01:22:58,800
Speaker 3: The competition, like you get enough votes and then you

1775
01:22:58,920 --> 01:22:59,960
Speaker 3: win money and then they.

1776
01:23:01,360 --> 01:23:05,120
Speaker 2: Yeah, the winning couple, America's favorite couple wins the money.

1777
01:23:05,360 --> 01:23:09,240
Speaker 4: So it's one hundred thousand dollars, yeah, split between the two.

1778
01:23:10,240 --> 01:23:13,519
Speaker 1: Potentially there's a chance that it depends on if they

1779
01:23:13,760 --> 01:23:15,679
Speaker 1: there's like an element they may not. They've been switching

1780
01:23:15,720 --> 01:23:18,040
Speaker 1: stuff up, but typically they give them a chance to

1781
01:23:18,160 --> 01:23:20,400
Speaker 1: say do you want to keep it for yourself or

1782
01:23:20,439 --> 01:23:21,080
Speaker 1: do you want to share it?

1783
01:23:21,240 --> 01:23:23,160
Speaker 2: Or do you want to share with the waister partner? Yeah,

1784
01:23:23,320 --> 01:23:24,920
Speaker 2: so it's yeah, yeah.

1785
01:23:25,720 --> 01:23:27,280
Speaker 1: If Amiah win, she better take it all.

1786
01:23:27,640 --> 01:23:29,680
Speaker 2: I know, right. You know Brian was using her to

1787
01:23:29,680 --> 01:23:31,160
Speaker 2: stay in the villa, So let her use Brian to

1788
01:23:31,200 --> 01:23:32,679
Speaker 2: get the money because she won't.

1789
01:23:32,680 --> 01:23:35,479
Speaker 1: She's too sweet. I know, she is so sweet. Sweet,

1790
01:23:35,680 --> 01:23:37,400
Speaker 1: she's so sweet. But yeah, that was I'm forget now

1791
01:23:37,439 --> 01:23:39,280
Speaker 1: if it was a booster of break but I just

1792
01:23:39,320 --> 01:23:39,760
Speaker 1: think it was a.

1793
01:23:39,760 --> 01:23:42,120
Speaker 2: Boost because you're so damn excited about Nicolander. There's no

1794
01:23:42,120 --> 01:23:43,200
Speaker 2: way that's a damn break girl.

1795
01:23:45,400 --> 01:23:48,640
Speaker 1: Pink Creamer and green Ranger forever. Wait, I gotta do

1796
01:23:48,680 --> 01:23:50,400
Speaker 1: the Leve Island thing. This is how they do that? Wait,

1797
01:23:50,439 --> 01:23:52,360
Speaker 1: how do they do the fucking hard thing again? Now? Yelly,

1798
01:23:52,720 --> 01:23:57,360
Speaker 1: not yelly, No, use their second finger. Now it looks

1799
01:23:57,360 --> 01:23:59,840
Speaker 1: stupid when you don't have stiletto nails, because I don't.

1800
01:24:00,280 --> 01:24:02,920
Speaker 2: It does. But they're doing but they're not. But they're

1801
01:24:02,960 --> 01:24:05,240
Speaker 2: not doing that one anymore. They're doing a new one.

1802
01:24:05,280 --> 01:24:05,960
Speaker 1: What are they doing? Now?

1803
01:24:06,240 --> 01:24:08,800
Speaker 2: We're both old, so you know we can't know they're

1804
01:24:08,840 --> 01:24:09,120
Speaker 2: doing this.

1805
01:24:09,280 --> 01:24:12,160
Speaker 1: Now they do this. That's what I was trying to do.

1806
01:24:12,479 --> 01:24:14,320
Speaker 2: Oh that's what you were trying to do. Girls, you

1807
01:24:14,400 --> 01:24:16,200
Speaker 2: were doing this. I was like, girl, this is us.

1808
01:24:16,360 --> 01:24:16,600
Speaker 3: This is.

1809
01:24:18,600 --> 01:24:22,680
Speaker 1: But they don't even does this. Oh my god, no,

1810
01:24:22,760 --> 01:24:26,519
Speaker 1: but they don't even do that. It looks like they

1811
01:24:26,640 --> 01:24:33,640
Speaker 1: use their second finger on Camra. All right, all right,

1812
01:24:33,760 --> 01:24:36,720
Speaker 1: ba Vam, Okay, well I got some thank you Nelly

1813
01:24:36,760 --> 01:24:37,000
Speaker 1: and Chris.

1814
01:24:37,520 --> 01:24:40,080
Speaker 4: Oops, now I'm Chris.

1815
01:24:40,560 --> 01:24:43,559
Speaker 2: Oh my guys, it's because she always pairs me up

1816
01:24:43,600 --> 01:24:44,040
Speaker 2: with Chris.

1817
01:24:44,240 --> 01:24:46,840
Speaker 4: That's why it's not you the replacement.

1818
01:24:48,640 --> 01:24:51,519
Speaker 1: Actually there's another Chris. Marcus usually was here with Chris

1819
01:24:51,640 --> 01:24:52,479
Speaker 1: before Chris.

1820
01:24:52,880 --> 01:24:54,559
Speaker 2: Chris Cynthian. We love him.

1821
01:24:54,840 --> 01:24:58,479
Speaker 1: I'm sorry, that's show business, baby Central casting. I had

1822
01:24:58,560 --> 01:25:04,639
Speaker 1: to do it. Mark, ma'am my brother from another mother

1823
01:25:04,760 --> 01:25:08,439
Speaker 1: and father. Thank you so much for joining me on brannanbish. Yeah, Nellie,

1824
01:25:08,479 --> 01:25:11,160
Speaker 1: it's always a pleasure, ba Vam. We have a lot

1825
01:25:11,200 --> 01:25:12,599
Speaker 1: to look forward to. It's going to be a hot

1826
01:25:12,680 --> 01:25:16,320
Speaker 1: va Fam summer. We have our August summer book club

1827
01:25:16,400 --> 01:25:19,280
Speaker 1: pick coming up. We have a special book club meeting

1828
01:25:19,479 --> 01:25:23,240
Speaker 1: with the author of our June book club pick, sky

1829
01:25:23,360 --> 01:25:26,040
Speaker 1: Full of Elephants. We're gonna have c Bo Campbell come

1830
01:25:26,160 --> 01:25:28,200
Speaker 1: back and do a little meeting with a BA book club.

1831
01:25:28,240 --> 01:25:29,599
Speaker 1: If you want to join the book club, you can

1832
01:25:29,680 --> 01:25:32,240
Speaker 1: join our patreon. Don't have to be a paid member

1833
01:25:32,320 --> 01:25:35,120
Speaker 1: to join the book club. Join our patreon to go

1834
01:25:35,200 --> 01:25:38,439
Speaker 1: to the in the show notes right now and make

1835
01:25:38,479 --> 01:25:41,599
Speaker 1: sure that you become a patri is it become a patron,

1836
01:25:42,280 --> 01:25:47,120
Speaker 1: Patreon whatever, and you'll get invited to that sash and

1837
01:25:47,200 --> 01:25:49,280
Speaker 1: I'll be picking the new pick. I'm not doing a

1838
01:25:49,320 --> 01:25:52,200
Speaker 1: monthly book club because that's just too much work, so

1839
01:25:52,320 --> 01:25:54,439
Speaker 1: we'll do our I'm going to I'm aiming for an

1840
01:25:54,479 --> 01:25:57,479
Speaker 1: August book club pick. So if you have ideas, let

1841
01:25:57,560 --> 01:26:01,080
Speaker 1: me know. And I'm this close to making my final

1842
01:26:01,120 --> 01:26:05,040
Speaker 1: decision though, so do let me know. And what else?

1843
01:26:05,080 --> 01:26:08,160
Speaker 1: What else? We've got some exciting We have a Speaking

1844
01:26:08,200 --> 01:26:10,799
Speaker 1: of Love. I'm going to do a summer dating episode,

1845
01:26:10,840 --> 01:26:13,120
Speaker 1: how to Find True Love this summer. We're gonna have

1846
01:26:13,160 --> 01:26:15,280
Speaker 1: some dating and relationship experts on the show.

1847
01:26:19,200 --> 01:26:19,800
Speaker 4: Would you want to.

1848
01:26:19,800 --> 01:26:21,560
Speaker 1: Tune in, Mark or do you not need to tune in?

1849
01:26:23,080 --> 01:26:24,000
Speaker 4: I probably don't.

1850
01:26:24,280 --> 01:26:25,040
Speaker 1: Just wondering.

1851
01:26:32,439 --> 01:26:34,400
Speaker 2: Mandy's going to get information out of you, whether you

1852
01:26:34,640 --> 01:26:38,679
Speaker 2: can get it out of if I if I bothered

1853
01:26:38,720 --> 01:26:40,439
Speaker 2: to call you when it's not for the podcast, I

1854
01:26:40,479 --> 01:26:41,240
Speaker 2: can get the information.

1855
01:26:41,280 --> 01:26:46,240
Speaker 1: I'm sure. Sure, and Rah, That's all I can think

1856
01:26:46,240 --> 01:26:47,960
Speaker 1: of right now. We'll see you Friday for b A

1857
01:26:48,040 --> 01:26:52,320
Speaker 1: q A and that's it. By BA fan okay v

1858
01:26:52,439 --> 01:26:54,439
Speaker 1: A fan. Thank you so much for listening to this

1859
01:26:54,600 --> 01:26:58,519
Speaker 1: week's show. I want to shout out to our production team, Courtney,

1860
01:26:58,720 --> 01:27:03,560
Speaker 1: our editor, car Our, fearless leader for idea to launch productions.

1861
01:27:04,000 --> 01:27:07,400
Speaker 1: I want to shout out my assistant Lauda Escalante and

1862
01:27:07,640 --> 01:27:10,840
Speaker 1: Cameron McNair for helping me put the show together. It

1863
01:27:10,960 --> 01:27:14,479
Speaker 1: is not a one person project, as much as I

1864
01:27:14,600 --> 01:27:16,960
Speaker 1: have tried to make it so these past ten years,

1865
01:27:17,240 --> 01:27:20,439
Speaker 1: I need help y'all, and thank goodness I've been able

1866
01:27:20,520 --> 01:27:22,760
Speaker 1: to put this team around me to support me on

1867
01:27:22,920 --> 01:27:25,640
Speaker 1: this journey and to y'all bea fam. I love you

1868
01:27:25,840 --> 01:27:29,680
Speaker 1: so so so so much. Please rate, review, subscribe, make

1869
01:27:29,720 --> 01:27:31,640
Speaker 1: sure you're signed up to the newsletter to get all

1870
01:27:31,720 --> 01:27:36,000
Speaker 1: the latest updates on upcoming episodes, our ten year anniversary

1871
01:27:36,120 --> 01:27:40,120
Speaker 1: celebrations to come, and until next time, talk to you

1872
01:27:40,200 --> 01:27:41,120
Speaker 1: soon via buye