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Speaker 1: Hey, hey, hey, I try to do a little I

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Speaker 1: don't know what that's called when you go like from

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Speaker 1: one key to the next key.

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Speaker 2: It's just just called saying, you know, like.

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Speaker 1: What is that? You know?

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Speaker 3: I'm trying to dig into my sixth grade band knowledge everything?

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Speaker 3: Chord progression, progression. Hey guys, it's happy Leo season you guys. Yes,

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Speaker 3: Leo's are in full effect. Stand up, get your attention.

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Speaker 1: Yeah, Superman's birthday is like the crave this Saturday, and

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Speaker 1: I'm like, yikes, I have not gotten anything, any actually,

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Speaker 1: any suggestions.

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Speaker 2: It was an instill an option.

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Speaker 3: Why do I feel like every year it's the same

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Speaker 3: story with you? You and my husband can talk because

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Speaker 3: I know that fool. I actually made my own birthday reservation.

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Speaker 3: Classic Leo slash control freak. So we're going to Portugal

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Speaker 3: for a for a two week vacation. I'm so excited.

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Speaker 3: It just happens to be around my birthday. And he

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Speaker 3: just doesn't like he'll do He'll make a plan, but

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Speaker 3: it won't be until like two days before we go,

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Speaker 3: and I know that the best restaurants will get booked

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Speaker 3: and activities need to be planned in advance, So like

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Speaker 3: on the down load. Sometimes I do I plan my

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Speaker 3: own thing just in case he drops the ball. Yes,

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Speaker 3: so this time.

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Speaker 1: I'm going to make those kind of Leo because I'm like,

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Speaker 1: what what kind of Leo was that?

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Speaker 3: That is not a powerful control freak?

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Speaker 2: Yes, yes he is not. I'm like, that sounds more

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Speaker 2: like me, and he is more super chill like what apps?

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Speaker 3: No, But the Leo thing is that I'm upset at

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Speaker 3: him for I'm meaning to do this. I want him

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Speaker 3: to have planned this fabulous thing for me and like

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Speaker 3: be so in love with me that he has done

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Speaker 3: all this planning, and that is very I'm mostly doing

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Speaker 3: it so I can be mad at him for not

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Speaker 3: doing it.

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Speaker 2: Yes, oh yeah, that's about Leo.

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Speaker 1: And to be truthful, I mean if I'm like, you know,

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Speaker 1: I'm giggling, But honestly, Superman is the type to have

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Speaker 1: brought my gift a month in advance and all that

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Speaker 1: kind of stuff. Truthfully, if I think about it, and

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Speaker 1: I'm the person who's like, so it's Thursday, tomorrow's his birthday,

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Speaker 1: you know, So I could see that he's not a

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Speaker 1: super planner planner, but when it comes to gift giving

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Speaker 1: and stuff like that, he definitely is an advanced type

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Speaker 1: of person where I'm like.

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Speaker 2: Ah, it's tomorrow.

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Speaker 3: I think also Leo's want to be admired, so like

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Speaker 3: being a great gift giver. It's almost like when we

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Speaker 3: give gifts that are amazing, we know people will think

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Speaker 3: they're amazing, that we're amazing. So really it's all about us.

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Speaker 3: A happy birthday to.

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Speaker 2: Him, though I know, like I still don't know.

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Speaker 1: I asked him what he wanted and he was like,

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Speaker 1: I don't need anything. We have the house, we have

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Speaker 1: each other. I'm like, please miss me with the bs

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Speaker 1: because every time you say that and then I adhere

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Speaker 1: to it, you are weeping on your birthday or whatever

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Speaker 1: because I don't care, quote unquote. So I got to

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Speaker 1: figure something fast because his birthday, I still have enough

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Speaker 1: time that anything I order from Amazon will be here

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Speaker 1: on time.

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Speaker 2: I just don't know what to get. That's right.

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Speaker 3: Last year it was the mini fridge, right.

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Speaker 1: Yes, And that was Christmas because remember exchanging love for Christmas?

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Speaker 2: And I took it seriously and I.

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Speaker 1: Was like, wait, what, so we're not exchanging love because

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Speaker 1: he came with his surprise kids, and so I had

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Speaker 1: to do the whole fifty two fake out like psych

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Speaker 1: your gift was just delayed because you know Christmas mailing,

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Speaker 1: it'll be here tomorrow. As I raced upstairs to pray

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Speaker 1: that I could get something like delivered the next day,

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Speaker 1: and it was that he was so excited, like, oh,

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Speaker 1: I thought you forgot. I'm like, sir, I did not forget.

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Speaker 1: I was adhering to the word changing love for Christmas.

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Speaker 1: But guess that was a lie. So I know the

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Speaker 1: whole don't get me anything for my birthday is not true.

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Speaker 1: I just don't know what to get because it's hard

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Speaker 1: to unearth what he really means.

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Speaker 3: Well, what for Enrique's birthday this year? I got him?

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Speaker 3: I got all of his I got a handful of

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Speaker 3: his good like best guy friends to come over to

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Speaker 3: the house and surprise him with like a cookout, and

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Speaker 3: I got him all the ingredients for his like the

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Speaker 3: hamburgers and the hot dog buns, and I arranged everything

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Speaker 3: really nice. All he had to do is like grilla

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Speaker 3: And that was that came off really well.

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Speaker 1: Well, you apparently know his you know, because you know

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Speaker 1: Superman has a twin, so apparently you know his twins.

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Speaker 2: Girlfriend, because that's what she's doing. I'm like oh great.

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Speaker 2: Oh that's right.

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Speaker 3: There's two of them, so you got to compete.

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Speaker 2: So they're actually doing that at our house. She's like, oh,

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Speaker 2: let's do that.

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Speaker 1: I was like, oh great, so that's not gonna so

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Speaker 1: now I really got to get him something because people

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Speaker 1: will be over.

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Speaker 2: So you know what, though, but it gives me a

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Speaker 2: good idea.

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Speaker 1: I think what I'll do is because he loves going

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Speaker 1: to like the race car what is that place called

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Speaker 1: raceway something? Not raceway, pole position, that's what it's called.

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Speaker 1: It's like bumper not bumper cars.

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Speaker 3: Oh god, I did that one time and I almost, Yeah.

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Speaker 2: It's fun.

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Speaker 1: And so I think I'll just like do that for

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Speaker 1: him and like a bunch of his friends, they could

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Speaker 1: go on Sunday.

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Speaker 2: I think he'd really enjoy that, like just say, hey,

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Speaker 2: here's a day.

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Speaker 1: Here's like you know, your favorite place to eat, here's

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Speaker 1: like a gift card for that, and then like whatever,

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Speaker 1: you know, five races.

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Speaker 2: Or whatever on me or something. I think that'll be

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Speaker 2: good because I.

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Speaker 1: Feel like what he's really saying is he doesn't want

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Speaker 1: he doesn't want stuff. I think that he would enjoy

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Speaker 1: that experience though.

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Speaker 3: I mean whatever an eight year old would enjoy. They

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Speaker 3: pretty much love exact fuckly, although I can't hate on

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Speaker 3: things like video games. Apparently somebody won three million dollars

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Speaker 3: playing that Fortnite game million thirty Oh yeah, I heard.

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Speaker 1: Three The maximum prize was thirty million. I don't know

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Speaker 1: if anyone's actually won that, but I saw like in

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Speaker 1: the news it was like the maximum prize.

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Speaker 3: I heard some some boy named Kyle. Congrats Kyle won

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Speaker 3: three million dollars. I cannot say I've done any more

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Speaker 3: research into it then, just to nod my head and say, well,

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Speaker 3: his parents really doubted him, and they're probably like eating

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Speaker 3: their words right now. You know, that's amazing. I don't

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Speaker 3: know if it's I don't know if I want my

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Speaker 3: husband to be, you know, that invested in a game.

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Speaker 3: Would it be worse, you know, never seeing him and

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Speaker 3: the imprint of his dairyer on the couch, you know

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Speaker 3: how gamers do, like sitting down for hours games. I

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Speaker 3: don't know if it's worth three million dollars, but that's exciting.

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Speaker 2: Yeah it is, But it's crazy.

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Speaker 1: I remember there was a kid when I was in

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Speaker 1: high school that was like super super into games, so

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Speaker 1: much so that he would like beat them.

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Speaker 2: And critique them.

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Speaker 1: So he started like emailing like you know, whoever made

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Speaker 1: the games? Like all of his critiques so much so

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Speaker 1: that they actually hired him and he put that money

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Speaker 1: up and he saved it for college.

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Speaker 2: So there's that.

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Speaker 1: That's impressive mm hmm, because he was like so, I mean,

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Speaker 1: I guess it was more so he was really into

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Speaker 1: not engineering, but like really into like development. Yeah, so

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Speaker 1: he was like, well, why is it like this? So

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Speaker 1: this should do this, and so he would literally write

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Speaker 1: all these emails. So I can only imagine, like how

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Speaker 1: awesome is that for like the gaming company to have

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Speaker 1: like your ideal customer tell you exactly what's wrong and

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Speaker 1: to fix it. So yeah, they started paying him and

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Speaker 1: sending him things ahead of time, and he started, like

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Speaker 1: you know, giving his feedback, and he said he wanted

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Speaker 1: to be a video game like developer. I don't know

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Speaker 1: that's what he ended up doing, but I know he

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Speaker 1: made good money for college.

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Speaker 2: So I remember his mom was like, I mean, hey,

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Speaker 2: if you're going to play games, this is the way

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Speaker 2: to do.

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Speaker 3: It, right. That sounds like a career for me. You know,

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Speaker 3: they have like camps now for that reminded me of

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Speaker 3: those people on YouTube who play video games and like

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Speaker 3: they have so many fans that they make money from it.

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Speaker 3: And they also like critique video games and just talk

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Speaker 3: about them or whatever. And like there was this thing

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Speaker 3: on the news about YouTube camps, like instead of sending

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Speaker 3: your kid to like science camp or whatever, kayaking camp,

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Speaker 3: what do kids go to robotics camp? There's like you

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Speaker 3: can learn how to be a YouTube star I camp.

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Speaker 1: Now, well, you know there was a young a girl,

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Speaker 1: I forget what she's from.

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Speaker 2: Was she from China?

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Speaker 1: She just bought eight years old, just bought an eight

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Speaker 1: million dollar house because she's a YouTube star. And apparently

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Speaker 1: I was like what, but I'm clearly in the wrong profession.

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Speaker 2: I mean an eight million dollar house.

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Speaker 1: You know, no six year old South Korean YouTuber Borham

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Speaker 1: buys eight million dollar property, can you imagine?

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Speaker 3: Well, Korea and China are like a whole other level

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Speaker 3: with like their their YouTube and social media stars. They

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Speaker 3: have like these apps for people. Just yeah, like I mean,

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Speaker 3: that's that's that's next level. And I just eight years.

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Speaker 1: Old eight And there's that kid Ryan's how do you

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Speaker 1: like It's he makes like twenty million dollars A yeah.

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Speaker 3: Of course the kid who plays with toys.

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Speaker 2: Ryan like, oh my gosh.

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Speaker 1: I'm like I always look at Supergirl like, I mean,

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Speaker 1: what are we doing with all this cuteness?

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Speaker 2: You're waiting it, You're wasting right, You're over.

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Speaker 1: Here dancing to music League. We need you to get

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Speaker 1: on this YouTube and dance.

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Speaker 3: But then it's like, what kind of message are you sending?

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Speaker 3: And I mean it's it's to me, it's like it's

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Speaker 3: that world of like social media. It's almost like you're

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Speaker 3: shoving them into it, you know, with commenters, and it

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Speaker 3: takes a much adult supervision to do it in a

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Speaker 3: safe way that you really, as a parent, need to

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Speaker 3: be available for that.

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Speaker 1: And I don't think i'd want I mean, here's the thing,

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Speaker 1: only if like my kid was really wanting that and

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Speaker 1: it was interested in that, because I mean, I suspect

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Speaker 1: there's some kids that are like I love this, but

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Speaker 1: I feel like you're.

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Speaker 2: Right, I don't.

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Speaker 1: I wouldn't want to push a kid into because money

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Speaker 1: is not everything. Obviously, we see so many wealthy people

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Speaker 1: who are not happy, and ultimately, you know, you want

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Speaker 1: a happy kid and a happy a teenager and a

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Speaker 1: happy adult, and that that.

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Speaker 2: Should be paramount above all else.

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Speaker 1: There are some kids that I have seen who really

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Speaker 1: enjoy whatever kind of profession that they've already started for themselves.

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Speaker 2: There's this little girl that I know that.

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Speaker 1: Like, like loves like all things Instagram and like, mommy,

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Speaker 1: take my picture and post it and share, you know,

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Speaker 1: share her outfits and stuff like that. And I just

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Speaker 1: hope that when she no longer loves her, mom is

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Speaker 1: willing to be like, well, okay, we don't have to

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Speaker 1: do that anymore.

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Speaker 3: Right, she's not getting too used. And if you're a parent,

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Speaker 3: like you're not getting too used to the extra income,

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Speaker 3: like you're putting that away in a savings account for

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Speaker 3: the kid or something like that.

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Speaker 2: Yeah.

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Speaker 3: I mean, I've all my friends have different rules with

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Speaker 3: they all and I just nod my head because each

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Speaker 3: of them thinks that their rule is the best rule

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Speaker 3: on how much TV time and how much phone time

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Speaker 3: and is it okay? And is it not okay? I mean,

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Speaker 3: I'm a product of a TV babysitting situation, like the

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Speaker 3: TV was my babysitter and hours and hours of the

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Speaker 3: worst TV. I mean every show And look at me, now,

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Speaker 3: look at me, It's fine.

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Speaker 2: Like I look at like my baby sister Lisa. She

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Speaker 2: for some reason she loved Oprah.

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Speaker 1: We would put her in the swing crank is when

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Speaker 1: they had crank swings, crank it up like turn the

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Speaker 1: crank on the side, and then put in front of Oprah.

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Speaker 2: It was the only thing that for sure made her

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Speaker 2: stop crying.

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Speaker 1: Well, I just put it in front of Oprah, I mean,

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Speaker 1: and Lisa's spinish.

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Speaker 3: Honestly, the rule was like, whatever is this recipe that

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Speaker 3: makes them not cry?

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Speaker 2: Literally? Poor poor my sister Carol, the one with the

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Speaker 2: two kids.

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Speaker 1: Her her daughter Amelia, was golfing in the house apparently,

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Speaker 1: and her swing was a little bit too strong.

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Speaker 2: She broke the TV.

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Speaker 1: Well, like, you know, it wasn't like you know, she

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Speaker 1: had a little blasted golf golf club.

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Speaker 2: It's not like a real you know. So she broke

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Speaker 2: the TV and it was like, oh my goodness.

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Speaker 1: Meanwhile she's only two, but of course two year old

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Speaker 1: girls could speak like forty year old men.

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Speaker 2: Oh my goodness, Mommy, I'm so sorry I broke the TV.

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Speaker 1: And she was like my sister was like, and then

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Speaker 1: here she goes, does that mean no more than he'll

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Speaker 1: tiger no more?

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Speaker 2: Guppy started listing all her favorite shows I'm like, how

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Speaker 2: do you know?

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Speaker 3: Wait, what's that kind of swing? She could be the

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Speaker 3: next baby Tiger Tiger, would I know?

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Speaker 2: So my sister was like, you know what, no TV? Well,

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Speaker 2: I was to no TV for a while. So they

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Speaker 2: came over today and roam.

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Speaker 1: When her brother was like and then he broke the TV,

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Speaker 1: she just looked at him like, first of all, snitch.

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Speaker 2: Nobody asked her, so you know this?

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Speaker 1: And she was like, it's good because it's she doesn't

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Speaker 1: want to train the kids to need TV, so they're

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Speaker 1: living without it for now.

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Speaker 3: That's fine, that's good. Just you know, I'm not saying

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Speaker 3: that my childhood was the way to do it, no

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Speaker 3: offense to my mom and dad, but you know, it

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Speaker 3: worked out just fine, just fine. What else is happening

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Speaker 3: in your world? You said you were in Atlanta this weekend.

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Speaker 2: I was.

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Speaker 1: Honestly, I had a very I feel like I had

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Speaker 1: a super atl weekend.

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Speaker 3: So do I feel like you go back to Atlanta

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Speaker 3: more than I do? Sometimes?

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Speaker 2: Yeah? I actually was.

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Speaker 1: I used to go to Atlanta a lot, but I've

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Speaker 1: not been traveling as much. But I went to atl

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Speaker 1: to Usher has a nonprofit called New Look, and the

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Speaker 1: focus is teenagers, well some of them like in their

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Speaker 1: in their early twenties, but basically young people trying to

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Speaker 1: give them access to tools and resources they need to

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Speaker 1: really achieve their goals.

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Speaker 2: So resources like education.

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Speaker 1: They take them sometimes to like New York if you

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Speaker 1: want to be a business owner, connecting you with other

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Speaker 1: business mentors.

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Speaker 2: So it really just what tools and resources do you need?

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Speaker 2: Let's put you in front of them.

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Speaker 1: So they had this wellness segment where it was like

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Speaker 1: four of us and we each did.

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Speaker 2: A like a like a ted X like taka, then

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Speaker 2: a panel. It was really dope. So when they reached

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Speaker 2: out to me, I was like the usher, usher.

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Speaker 1: Okay. So I went to Atlanta. The first day was

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Speaker 1: kind of like some VIP day. The second day I

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Speaker 1: did Sister Circle TV, which is very Atlanta. An awesome morning,

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Speaker 1: so yeah, they're so nice, honestly, like so nice. Then

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Speaker 1: the next day I actually spoke at you know, the

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Speaker 1: New Look like panel, and then the next day I

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Speaker 1: did I actually went to Old Lady Gang. So that's

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Speaker 1: like if you guys watch Real Housewives of Atlanta, one

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Speaker 1: of the women, her name is Candy, you know.

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Speaker 2: Escape that it's like the girl group Escape yeah, of course.

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Speaker 1: Yeah, so Candy, she is on Real Housewives of Atlanta

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Speaker 1: and was part of the girl group Escape. So her

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Speaker 1: mom and her aunts have a have a restaurant called

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Speaker 1: Old Lady Gang because I guess she used to call

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Speaker 1: her mom and her aunt's the Old Lady Gang. And

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Speaker 1: it's olg when I tell you, the food is so good.

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Speaker 1: It is so good. It's very it's like southern, you know,

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Speaker 1: soul food. So good the food. And then I did

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Speaker 1: CNN on Saturday, which was so epic. I didn't even realize,

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Speaker 1: like what because I had done like CNN locally where

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Speaker 1: they were just basically like put your camera on in

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Speaker 1: your office and just like make sure you look decent

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Speaker 1: from the waist up. So I don't know, I didn't

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Speaker 1: know why I thought it was going to be like that,

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Speaker 1: but it was, like no, it was a near epic, amazing,

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Speaker 1: beautiful studio. So it was a very Atlantic weekend because CNN,

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Speaker 1: I guess they're headquarters at least one of them is

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Speaker 1: in Atlanta.

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Speaker 2: So it was a lot of fun.

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Speaker 1: And sometimes my business trips are literally I'm just in

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Speaker 1: and out, Like for example, when I go to La

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Speaker 1: to take the real I literally land the night before,

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Speaker 1: eat something, practice a billion times, wake up like four

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Speaker 1: am on set by five. I taped by like seven,

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Speaker 1: and then as soon as I'm done, they were lily like,

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Speaker 1: here's the two.

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Speaker 2: K's get out.

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Speaker 1: So most of the mistass trips I don't really get

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Speaker 1: to like marinate. So this one was nice because although

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Speaker 1: I did a number of things, it was only one

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Speaker 1: thing a day. And I got a chance to like

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Speaker 1: see my CEO Karen and go to Old Lady Gang

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Speaker 1: and you know, I just got a chance to like

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Speaker 1: enjoy myself a little bit more. Andrena came with me,

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Speaker 1: my publicist and my bestie. She hates when I say that,

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Speaker 1: oh well, because she's like, it's not put fashion at all.

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Speaker 2: I'm like, whatever, girl.

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Speaker 1: Well so yeah, So it was just a lot of fun.

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Speaker 1: It was just an atl It just had really good energy.

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Speaker 1: I was like, look at look at Atlanta. Something about it, like,

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Speaker 1: I mean, I never noticed it before, but it was

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Speaker 1: just a lot of great energy. The kids were awesome,

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Speaker 1: the speakers were awesome. So I had a good time.

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Speaker 3: Anything else, should we move on?

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Speaker 2: We're gonna move on. I'm like, you know, I'm hopefully

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Speaker 2: we'll have some big news soon.

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Speaker 3: All right, So I don't know why I'm being so creepy.

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Speaker 3: I'll edit that out.

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Speaker 2: Now it's time for questions.

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Speaker 1: My favorite part of this show because you guys ask honestly,

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Speaker 1: like such great questions, and I love that there's variety. Remember,

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Speaker 1: you could ask us about life, about love, money, career,

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Speaker 1: You can ask us anything, and we are here to

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Speaker 1: answer as best as possible.

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Speaker 2: We are not professionals.

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Speaker 1: I mean we're professional, but not professional like you know,

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Speaker 1: psychologists and all that kind of stuff.

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Speaker 2: But we do our best to give you our best advice.

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Speaker 3: Oh, very best to say advice. Yeah, So let's see

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Speaker 3: you have a couple of questions today. So this question

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Speaker 3: actually gave me. I feel like it's adred a kindred spirit.

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Speaker 3: Her name is Jilly, and I think that she is

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Speaker 3: going through the same kind of like money mentality issues

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Speaker 3: that you and I have both talked about. So Jilly's question,

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Speaker 3: which is extremely long, I'm going to try to succinctly

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Speaker 3: summarize it. So here's Juli. Here's Jilly's story. She says,

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Speaker 3: I am thirty six and I currently make about one

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Speaker 3: hundred and twenty thousand dollars a year. I don't have

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Speaker 3: kids or car debt. Look at you, that's amazing. I

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Speaker 3: max out my four one K. I do have a

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Speaker 3: little bit of credit card debt and some student loans,

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Speaker 3: but I'm fairly stable financially. Despite that, I can't shed

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Speaker 3: the need that I have to have a large financial

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Speaker 3: cushion over using my money in other ways. And I've

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Speaker 3: created this cushion by having four different checking for different

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Speaker 3: checking and savings accounts, with an emergency fund a short

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Speaker 3: term account. All in all, I'm saving twenty percent of

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Speaker 3: my income every month between my four to one K

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Speaker 3: and these other accounts. In spite of this, I still

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Speaker 3: feel very uncomfortable when the balance of my checking account

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Speaker 3: falls below two thousand dollars. Seeing anything over two thousand

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Speaker 3: dollars gives me the shakes. I know this is because

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Speaker 3: I grew up in poverty and I haven't yet managed

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Speaker 3: to share to shed this survival mindset. Is two thousand

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Speaker 3: dollars in my checking account too much or too little?

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Speaker 3: If so, what is that right amount? How much should

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Speaker 3: I keep in my regular primary account on a regular basis?

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Speaker 3: And should I give up some of that cushion so

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Speaker 3: I can start investing? Thank you so much, for reading Jilly.

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Speaker 1: Jilly, you're illy and Chili. No, how does a Jilli

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Speaker 1: you sound like me?

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Speaker 2: I'm not gonna lie. Jilly is us, honestly she.

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Speaker 3: Is at a certain point.

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Speaker 1: Yes, Well, here's the thing I can't say, because, like

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Speaker 1: if you were Opra, I might be like, girl, two

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Speaker 1: thousand dollars is not enough, So I would have to

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Speaker 1: know what your I like to keep my bill money

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Speaker 1: in my checking account, So before the month starts, I

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Speaker 1: transfer from well Superman because we live off his money

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Speaker 1: for bills and then save and invest mine. But so

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Speaker 1: every pay period he transfers we know the math. Let's

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Speaker 1: just say, for the sake of math, our bills are

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Speaker 1: two thousand dollars a month, so he would transfer a

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Speaker 1: thousand dollars per paycheck to our checking account for bills.

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Speaker 1: So that's how I kind of gauge how much should

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Speaker 1: be in my checking account based upon like, I know

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Speaker 1: I've got two thousand dollars worth of bills, I need

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Speaker 1: to put that amount in there, and I don't like

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Speaker 1: to leave it at zero, so maybe it might be

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Speaker 1: twenty two hundred, just so there's a little bit of

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Speaker 1: a buffer. I'm an oversaverer and a savings account versus

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Speaker 1: a checking account. This is what I've done just in

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Speaker 1: general to help you get over or figure out what's

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Speaker 1: to do. Because it sounds like you feel like, and

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Speaker 1: I'm here too, that you've taken yourself as far as

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Speaker 1: you can take yourself. You might want to get a

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Speaker 1: financial planner because you sound like you're doing great and

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Speaker 1: you just wanted to elevate to the next level and

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Speaker 1: be able to wooseous so you don't have to make

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Speaker 1: all the choices like based upon your current knowledge. I mean,

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Speaker 1: it might be time to look for a financial planner

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Speaker 1: or financial advisor. Mandy has a dope one. Helen, I

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Speaker 1: just found a dope one. Angelie shout out to Angelie

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Speaker 1: because she said she listened to the podcast because she

441
00:20:29,200 --> 00:20:31,240
Speaker 1: said she wanted to get to know me better. I'm like, Angelie,

442
00:20:31,240 --> 00:20:35,919
Speaker 1: this is why you're dope. Okay, So yeah, that's what

443
00:20:35,920 --> 00:20:37,160
Speaker 1: it sounds like.

444
00:20:36,560 --> 00:20:36,600
Speaker 3: Like.

445
00:20:37,320 --> 00:20:41,399
Speaker 1: The overall my suggestion would be is to one, you know,

446
00:20:41,480 --> 00:20:44,080
Speaker 1: maybe just have enough for the next couple of weeks

447
00:20:44,160 --> 00:20:47,719
Speaker 1: to a month's worth of bills and you're checking, and

448
00:20:47,760 --> 00:20:51,639
Speaker 1: then two have at least three months worth of savings

449
00:20:51,640 --> 00:20:53,960
Speaker 1: and like a savings account. Just for an emergency fund

450
00:20:54,200 --> 00:20:57,439
Speaker 1: and then anything above that. I would suggest, you know,

451
00:20:58,400 --> 00:21:02,359
Speaker 1: investing so you could grow your money. But in having

452
00:21:02,400 --> 00:21:04,080
Speaker 1: someone to guide you in that, I think is going

453
00:21:04,119 --> 00:21:04,800
Speaker 1: to be just a good thing.

454
00:21:05,200 --> 00:21:07,160
Speaker 3: Yeah, she mentions, I mean I didn't read the whole question.

455
00:21:07,200 --> 00:21:10,520
Speaker 3: She mentions that she has a regular therapist. But obviously

456
00:21:10,560 --> 00:21:13,560
Speaker 3: your therapist can help you with maybe the psychology behind

457
00:21:13,560 --> 00:21:16,240
Speaker 3: why you feel like you need to hoard money or

458
00:21:16,280 --> 00:21:18,399
Speaker 3: hoards a very strong word, but hang on to your money.

459
00:21:18,960 --> 00:21:22,199
Speaker 3: But you know, obviously they don't have the financial professional

460
00:21:22,240 --> 00:21:25,480
Speaker 3: certifications that a financial planner would have or an investment advisor.

461
00:21:25,520 --> 00:21:28,600
Speaker 3: So I second with Tiffany's saying, and you can consider

462
00:21:28,640 --> 00:21:30,800
Speaker 3: them like you're financial therapists in a lot of ways,

463
00:21:30,840 --> 00:21:33,560
Speaker 3: because they can help you see the logic behind the

464
00:21:33,600 --> 00:21:36,040
Speaker 3: decisions that you're making in a way that you know

465
00:21:36,160 --> 00:21:39,320
Speaker 3: helps you get past the emotions. And she also mentions,

466
00:21:39,320 --> 00:21:41,959
Speaker 3: I skipped over this. She has two years of her

467
00:21:42,000 --> 00:21:45,400
Speaker 3: monthly expenses saved in keshah in cash.

468
00:21:45,520 --> 00:21:48,639
Speaker 2: Shelley, you're my twins. We need to stop jo we

469
00:21:48,680 --> 00:21:50,479
Speaker 2: need to be stopped. That's a lot.

470
00:21:51,720 --> 00:21:53,600
Speaker 3: My little brother actually called me last night to ask

471
00:21:53,640 --> 00:21:55,560
Speaker 3: me how much he should say, And I told him,

472
00:21:55,800 --> 00:21:58,879
Speaker 3: I said, six months at least or whatever you're comfortable with,

473
00:21:58,920 --> 00:22:01,960
Speaker 3: but is fine. But just like, stop the madness. You

474
00:22:01,960 --> 00:22:04,240
Speaker 3: don't need to continue once you've got that two years

475
00:22:04,280 --> 00:22:07,840
Speaker 3: saved up in cash. And you know, let's see, she said,

476
00:22:07,880 --> 00:22:09,920
Speaker 3: she's making one hundred and twenty K. If she's saving

477
00:22:09,960 --> 00:22:12,119
Speaker 3: twenty percent of that a year across all her accounts,

478
00:22:12,160 --> 00:22:15,879
Speaker 3: it's like twenty four K if you have got that

479
00:22:15,920 --> 00:22:18,480
Speaker 3: two years in your savings account saved up. I think

480
00:22:18,520 --> 00:22:21,240
Speaker 3: at that point you stop funneling all your money there.

481
00:22:21,280 --> 00:22:23,240
Speaker 3: And it's good that you're in a high yield online

482
00:22:23,240 --> 00:22:26,840
Speaker 3: bank account. That's great, but it might it probably makes

483
00:22:26,880 --> 00:22:30,520
Speaker 3: more sense for you to be investing in outside of

484
00:22:30,520 --> 00:22:33,280
Speaker 3: your four to one K, even opening up a brokerage

485
00:22:33,320 --> 00:22:36,479
Speaker 3: account or opening up an IRA. At least. She mentions

486
00:22:36,480 --> 00:22:38,960
Speaker 3: that her job doesn't even match her contributions to her

487
00:22:39,000 --> 00:22:40,840
Speaker 3: four to one K, So that to me says all

488
00:22:40,920 --> 00:22:45,040
Speaker 3: the more reason why, Yeah, open up your own investment

489
00:22:45,080 --> 00:22:48,240
Speaker 3: account and start saving. You know, if you're saving right now,

490
00:22:48,280 --> 00:22:51,119
Speaker 3: you say five to ten percent or sorry, ten percent

491
00:22:51,160 --> 00:22:53,679
Speaker 3: in your emergency fund, just shift that over to your

492
00:22:53,680 --> 00:22:56,160
Speaker 3: investment fund. You know, unless you need to tap into

493
00:22:56,160 --> 00:22:58,760
Speaker 3: your emergency fund. You'll have that money there and that

494
00:22:58,800 --> 00:23:02,919
Speaker 3: should give you pa of mind. And also, like you know,

495
00:23:02,920 --> 00:23:04,919
Speaker 3: you're thirty six now, it's not you still have so

496
00:23:05,000 --> 00:23:08,520
Speaker 3: much time ahead of you. Yeah, as an investor, and

497
00:23:08,600 --> 00:23:12,160
Speaker 3: I hate to see you missing out on potential gains.

498
00:23:12,640 --> 00:23:14,160
Speaker 2: Yeah, Jillie, we're losing money.

499
00:23:14,240 --> 00:23:15,840
Speaker 1: Jilly, I'm not even going to judge you, because when

500
00:23:15,840 --> 00:23:17,879
Speaker 1: I tell you are literally my close sister. I've got

501
00:23:17,920 --> 00:23:20,919
Speaker 1: about two years worth of savings as well. You know,

502
00:23:21,000 --> 00:23:22,200
Speaker 1: all my dad is paid off.

503
00:23:23,040 --> 00:23:25,600
Speaker 3: I mean it's if you But see the difference is

504
00:23:25,640 --> 00:23:28,360
Speaker 3: like you're an entrepreneur, like you have you're all in

505
00:23:28,400 --> 00:23:30,800
Speaker 3: with your business. And I think entrepreneurs like it makes

506
00:23:30,840 --> 00:23:33,480
Speaker 3: sense to even have more than the average show like

507
00:23:33,560 --> 00:23:36,640
Speaker 3: you know, salary or whatnot. And and and I think

508
00:23:36,680 --> 00:23:39,000
Speaker 3: that's like a piece of the puzzle too, is what

509
00:23:39,000 --> 00:23:40,719
Speaker 3: what job are you in? What industry are you in?

510
00:23:41,119 --> 00:23:43,120
Speaker 3: And I think like if you're you know, if you're

511
00:23:43,200 --> 00:23:45,720
Speaker 3: a nine to fiver who has the potential for things

512
00:23:45,760 --> 00:23:48,520
Speaker 3: like unemployment benefits or severance packages if you were to

513
00:23:48,560 --> 00:23:50,800
Speaker 3: be let go, you know, that's something to be considered too.

514
00:23:51,760 --> 00:23:54,919
Speaker 3: And don't you feel like most people advise with entrepreneurs

515
00:23:54,920 --> 00:23:57,040
Speaker 3: to people who are self employed to have even more

516
00:23:57,080 --> 00:24:00,520
Speaker 3: than the normal you know person save away. And plus

517
00:24:00,560 --> 00:24:04,320
Speaker 3: you have a family. She doesn't house, doesn't seem like

518
00:24:04,359 --> 00:24:05,920
Speaker 3: she has a house, you know, well you don't have

519
00:24:05,960 --> 00:24:07,320
Speaker 3: a mortgage, but you know what I mean, like house

520
00:24:07,359 --> 00:24:11,119
Speaker 3: expenses and stuff. So everyone's situation is like a little

521
00:24:11,119 --> 00:24:13,520
Speaker 3: bit different two years.

522
00:24:13,760 --> 00:24:16,000
Speaker 1: But I do know that I am a because I

523
00:24:16,040 --> 00:24:18,359
Speaker 1: here's the thing. I'm saving from a place of fear.

524
00:24:18,520 --> 00:24:22,120
Speaker 1: That's how you know that something is off. I'm not

525
00:24:22,200 --> 00:24:24,919
Speaker 1: saving from a place of like, oh, I'm being responsible

526
00:24:24,920 --> 00:24:27,000
Speaker 1: to Like if you let me go, Mandy, I would

527
00:24:27,040 --> 00:24:27,880
Speaker 1: have ten years worth of safe.

528
00:24:27,920 --> 00:24:32,680
Speaker 2: I'd be like a million dollars like I would. So

529
00:24:32,760 --> 00:24:33,560
Speaker 2: I knew that.

530
00:24:34,040 --> 00:24:35,840
Speaker 1: And when we had if you guys have not listened

531
00:24:35,840 --> 00:24:39,919
Speaker 1: to our episode with Helen, she was amazing Mandy's financial planner.

532
00:24:40,240 --> 00:24:42,960
Speaker 1: But it kind of clicked when Helen came on and

533
00:24:43,000 --> 00:24:46,200
Speaker 1: I was like, Okay, you you know I'm not I'm

534
00:24:46,280 --> 00:24:50,199
Speaker 1: not managing my money spart like I know this. It's

535
00:24:50,240 --> 00:24:52,320
Speaker 1: almost like you know when you're like I don't really

536
00:24:52,320 --> 00:24:55,800
Speaker 1: need this pizza and this cookie and this ice cream

537
00:24:56,040 --> 00:24:58,280
Speaker 1: kind of ate it anyway. So I knew that, and

538
00:24:58,280 --> 00:25:00,679
Speaker 1: that's why I start up asking for help and I

539
00:25:00,760 --> 00:25:04,720
Speaker 1: just what switched. Like the switch that switched on was

540
00:25:04,720 --> 00:25:06,600
Speaker 1: like when you were like, you're able to have this

541
00:25:06,680 --> 00:25:10,439
Speaker 1: outside party helen to say, yes, Mandy, the thing you're

542
00:25:10,480 --> 00:25:14,240
Speaker 1: feeling is right, go ahead and pay that off, or like, actually,

543
00:25:14,480 --> 00:25:16,720
Speaker 1: here's some choices that might be better. I just said,

544
00:25:16,720 --> 00:25:20,480
Speaker 1: I know I needed someone to kind of intervene because

545
00:25:20,520 --> 00:25:22,520
Speaker 1: if not left to my own devices, I was going

546
00:25:22,600 --> 00:25:25,679
Speaker 1: to continue to have this fear based mentality when it

547
00:25:25,720 --> 00:25:27,199
Speaker 1: came to my money, and I was tired of it

548
00:25:27,240 --> 00:25:27,840
Speaker 1: because I knew.

549
00:25:28,240 --> 00:25:31,119
Speaker 2: I know, as a financial educator.

550
00:25:30,760 --> 00:25:35,600
Speaker 1: I'm losing so much money, especially now that I'm earning more.

551
00:25:35,960 --> 00:25:38,960
Speaker 1: It's one thing to like, oh, two three hundred dollars

552
00:25:39,000 --> 00:25:41,440
Speaker 1: in savings when you're starting to get thousands and tens

553
00:25:41,440 --> 00:25:43,160
Speaker 1: of thousands of thousand that are not doing anything.

554
00:25:43,480 --> 00:25:44,000
Speaker 2: I've lost.

555
00:25:44,000 --> 00:25:46,439
Speaker 1: I'm losing so much money year after year, and I'm like,

556
00:25:46,760 --> 00:25:49,480
Speaker 1: because of my fear. So I just don't want you, Jill,

557
00:25:49,560 --> 00:25:53,600
Speaker 1: to fall into this trap of like saving from a

558
00:25:53,640 --> 00:25:57,520
Speaker 1: place of fear and worry, like having someone to kind

559
00:25:57,560 --> 00:26:00,439
Speaker 1: of talk to about it, and someone you know that

560
00:26:00,480 --> 00:26:03,720
Speaker 1: you can trust it's going to just be a great

561
00:26:03,760 --> 00:26:06,960
Speaker 1: space to kind of like release that anxiety and know

562
00:26:07,080 --> 00:26:08,840
Speaker 1: that you're making the right decision with your money in

563
00:26:08,840 --> 00:26:11,280
Speaker 1: conjunction to somebody else's like advice.

564
00:26:11,760 --> 00:26:13,520
Speaker 2: So you know, so that's helped a lot.

565
00:26:14,359 --> 00:26:16,760
Speaker 1: I should have mentioned that me and Superman, we had

566
00:26:16,760 --> 00:26:20,040
Speaker 1: our first meeting with Angelie last week, Mandy, and it

567
00:26:20,080 --> 00:26:23,600
Speaker 1: went so well, Like she just was really like, you know,

568
00:26:23,720 --> 00:26:25,880
Speaker 1: she was great, just understanding listening. I love the fact

569
00:26:25,880 --> 00:26:27,880
Speaker 1: that she actually listened to the podcast so she could

570
00:26:27,880 --> 00:26:28,800
Speaker 1: get to know me better.

571
00:26:29,760 --> 00:26:31,200
Speaker 2: She asked like a lot of great questions.

572
00:26:31,240 --> 00:26:33,800
Speaker 1: We're in the collection mode, so we're gathering all of

573
00:26:33,800 --> 00:26:35,080
Speaker 1: the stuff that we need to give her so she

574
00:26:35,080 --> 00:26:38,280
Speaker 1: gets a full and complete picture. Superman is fully on board,

575
00:26:38,440 --> 00:26:41,720
Speaker 1: and we're both just excited that we're we're finally going

576
00:26:41,800 --> 00:26:44,560
Speaker 1: to move past the stage. So so I want right

577
00:26:44,560 --> 00:26:46,160
Speaker 1: there with you, Jail. I just like what I want

578
00:26:46,160 --> 00:26:49,320
Speaker 1: for myself is what I want for you to move past.

579
00:26:50,720 --> 00:26:52,960
Speaker 1: You know, this need for like this is the only

580
00:26:52,960 --> 00:26:55,240
Speaker 1: way for me to be safe, to realize that you

581
00:26:55,240 --> 00:26:57,080
Speaker 1: can be safe and grow at the same time.

582
00:26:57,440 --> 00:27:00,560
Speaker 3: I couldn't have said it better. Julie, Thank you. So

583
00:27:00,680 --> 00:27:04,480
Speaker 3: much for your question. Let's take another one more question.

584
00:27:04,560 --> 00:27:10,399
Speaker 3: This one comes from at Instagram user at Shira Banks. Okay,

585
00:27:10,560 --> 00:27:12,639
Speaker 3: this is actually a question. I let people asking questions

586
00:27:12,680 --> 00:27:15,440
Speaker 3: for their sisters and their friends. Love you guys are good,

587
00:27:15,480 --> 00:27:19,159
Speaker 3: good friends and siblings. So at Shira Banks has a

588
00:27:19,240 --> 00:27:21,720
Speaker 3: question about her sister who's just purchased a car. My

589
00:27:21,760 --> 00:27:25,800
Speaker 3: favorite topic car loan help. She says, my sister purchased

590
00:27:25,840 --> 00:27:28,680
Speaker 3: a twelve thousand dollars car with the interest. The loan

591
00:27:28,760 --> 00:27:31,919
Speaker 3: is now at seventeen thousand dollars, but the car is

592
00:27:31,960 --> 00:27:35,960
Speaker 3: only worth seven thousand dollars according to Kelly Bluebook. What

593
00:27:36,040 --> 00:27:39,719
Speaker 3: do we do? Do you recommend refinancing? What happens if

594
00:27:39,760 --> 00:27:41,639
Speaker 3: we give the car back? Does she still owe the

595
00:27:41,640 --> 00:27:45,359
Speaker 3: full balance on the loan? On the loan? First Mandy

596
00:27:45,400 --> 00:27:47,560
Speaker 3: sounded the alarm about this on the podcast, and now

597
00:27:47,600 --> 00:27:50,240
Speaker 3: Elizabeth Warren is telling us these types of car loans

598
00:27:50,280 --> 00:27:52,960
Speaker 3: are like the mortgages that collapse our economy the last time.

599
00:27:53,080 --> 00:27:57,800
Speaker 3: Please help a sister out. Thanks. My least and favorite

600
00:27:57,800 --> 00:28:04,160
Speaker 3: most topic, most favorite topic car debt. This stresses me out.

601
00:28:04,280 --> 00:28:07,479
Speaker 3: It's so hard because like so the question you know

602
00:28:07,880 --> 00:28:09,880
Speaker 3: this can happen. So if you buy a car from

603
00:28:09,920 --> 00:28:14,280
Speaker 3: a dealership, one that isn't Maybe the most reputable is

604
00:28:14,320 --> 00:28:17,359
Speaker 3: overinflating the price of cars. You can walk away easily

605
00:28:17,400 --> 00:28:20,080
Speaker 3: with a car loan that's worth more than the value

606
00:28:20,080 --> 00:28:22,040
Speaker 3: of your car. Right, So, it sounds like your sister

607
00:28:22,119 --> 00:28:24,000
Speaker 3: might have purchased either or she purchased the car and

608
00:28:24,080 --> 00:28:27,000
Speaker 3: it was worth less than the loan at the time,

609
00:28:27,600 --> 00:28:29,720
Speaker 3: which means she didn't do her research to find the

610
00:28:29,760 --> 00:28:32,359
Speaker 3: real value of the car. Or it's just that the

611
00:28:32,400 --> 00:28:34,760
Speaker 3: car was worth what it was worth, you know, worth

612
00:28:34,800 --> 00:28:36,600
Speaker 3: of the value of the loan when she got it.

613
00:28:36,640 --> 00:28:39,320
Speaker 3: But the interest rate, maybe because her credit was too

614
00:28:40,080 --> 00:28:42,320
Speaker 3: low or she didn't have enough of a down payment,

615
00:28:42,360 --> 00:28:45,240
Speaker 3: The interest rate she got was so high that rapidly

616
00:28:45,400 --> 00:28:48,800
Speaker 3: the loan swoll swelled to be way more than the

617
00:28:48,840 --> 00:28:51,600
Speaker 3: value of the car, which could have been the case

618
00:28:51,640 --> 00:28:56,040
Speaker 3: as well. Either way, Yes, take when you take out

619
00:28:56,080 --> 00:28:58,760
Speaker 3: a loan for that amount, even if the car value

620
00:28:58,800 --> 00:29:01,680
Speaker 3: is down, you still are on the hook for that debt.

621
00:29:01,760 --> 00:29:06,960
Speaker 3: So there's no easy there's no easy answer here. A

622
00:29:07,000 --> 00:29:10,200
Speaker 3: couple of options. Could she refinance? Yes, I mean I

623
00:29:10,240 --> 00:29:12,960
Speaker 3: would say if her if she got the loan you know,

624
00:29:13,000 --> 00:29:15,320
Speaker 3: at one of those buy here, you pay your lots.

625
00:29:15,360 --> 00:29:17,400
Speaker 3: She probably walked away with a double digit interest rate

626
00:29:17,440 --> 00:29:21,440
Speaker 3: loan very easily. If her credit's improved or even a

627
00:29:21,440 --> 00:29:23,880
Speaker 3: little bit, she could go to like a credit union

628
00:29:23,960 --> 00:29:28,200
Speaker 3: and try and refinance. She might have trouble though, refinancing

629
00:29:28,200 --> 00:29:31,200
Speaker 3: if the value of the car is less than the

630
00:29:31,240 --> 00:29:34,280
Speaker 3: amount of debt she's trying to refinance. That's like the

631
00:29:34,280 --> 00:29:35,120
Speaker 3: one caveat.

632
00:29:35,600 --> 00:29:36,640
Speaker 2: Yeah.

633
00:29:36,800 --> 00:29:39,240
Speaker 3: Another thing, she could try and just sell the car

634
00:29:39,360 --> 00:29:42,040
Speaker 3: for more than the seven thousand it's worth and hope

635
00:29:42,040 --> 00:29:43,720
Speaker 3: that someone will pay for it. But I mean that's

636
00:29:44,360 --> 00:29:46,560
Speaker 3: hoping a lot. I think a lot of people out

637
00:29:46,600 --> 00:29:49,600
Speaker 3: there buying cars from Craigslist or Facebook or things like

638
00:29:49,680 --> 00:29:52,040
Speaker 3: that are savvy enough to do their research and just

639
00:29:52,040 --> 00:29:54,640
Speaker 3: like you did and look it up on Kelly Bluebook,

640
00:29:55,920 --> 00:29:57,760
Speaker 3: you know, to find out what what the what the

641
00:29:57,840 --> 00:30:01,400
Speaker 3: value is. So it's it's it's hard. There's no easy

642
00:30:02,520 --> 00:30:03,600
Speaker 3: there's no easy answer.

643
00:30:05,040 --> 00:30:08,960
Speaker 1: Yeah, And honestly, sometimes here's the thing. You're not gonna

644
00:30:09,160 --> 00:30:11,680
Speaker 1: she's not gonna be financial. No one's financially perfect, meaning

645
00:30:11,720 --> 00:30:15,800
Speaker 1: that you don't make any financial mistakes, nothing ever goes wrong.

646
00:30:15,840 --> 00:30:19,040
Speaker 1: It's one of those things that sometimes, like, you know,

647
00:30:19,120 --> 00:30:21,760
Speaker 1: a mistake is made, Like Superman bought some car.

648
00:30:21,920 --> 00:30:24,280
Speaker 2: When I met him, his car payment was nearly.

649
00:30:24,120 --> 00:30:29,240
Speaker 1: Nine hundred dollars a month, nine hundred dollars, and his

650
00:30:29,320 --> 00:30:30,680
Speaker 1: co signing was his ex girlfriend.

651
00:30:30,720 --> 00:30:33,360
Speaker 2: I'm like, oh, even better, how awesome?

652
00:30:34,000 --> 00:30:39,840
Speaker 1: Right, And he ended up happening to well, you have

653
00:30:39,920 --> 00:30:43,280
Speaker 1: a little bit of pressure. He surrendered the car basically,

654
00:30:43,680 --> 00:30:46,239
Speaker 1: but he still had like whatever they gave him from

655
00:30:46,240 --> 00:30:48,520
Speaker 1: the car, he's still I think owed like five thousand

656
00:30:48,520 --> 00:30:51,000
Speaker 1: dollars on it. So basically he had no car but

657
00:30:51,040 --> 00:30:53,920
Speaker 1: a five thousand dollar part car payment, and so that

658
00:30:54,080 --> 00:30:56,600
Speaker 1: was just it was five thousand dollars was the price

659
00:30:56,640 --> 00:30:58,960
Speaker 1: he had to pay for a mistake that he made.

660
00:30:59,200 --> 00:31:02,120
Speaker 1: But nobody dies, you know, like you learn and then

661
00:31:02,160 --> 00:31:04,200
Speaker 1: you do better for next time. And the next couple

662
00:31:04,240 --> 00:31:06,760
Speaker 1: of cars he bought, he brought cash and he's never

663
00:31:06,800 --> 00:31:09,120
Speaker 1: done that again. So it's one of those things where

664
00:31:09,160 --> 00:31:12,800
Speaker 1: you know, follow Manny's advice, share with her, do the

665
00:31:12,840 --> 00:31:17,400
Speaker 1: best that she can, and then with that it's just

666
00:31:17,480 --> 00:31:19,040
Speaker 1: knowledge that she takes with her and can do better

667
00:31:19,080 --> 00:31:19,680
Speaker 1: for next time.

668
00:31:20,000 --> 00:31:22,120
Speaker 3: Yeah, I wish there was an easier answer, but it

669
00:31:22,200 --> 00:31:26,480
Speaker 3: is just it's a bad situation and hopefully she gets

670
00:31:26,480 --> 00:31:28,560
Speaker 3: to a place where she can pay that loan off.

671
00:31:29,440 --> 00:31:32,040
Speaker 3: All right, well, thank you very much for your question. Again,

672
00:31:32,440 --> 00:31:34,440
Speaker 3: you guys can hit us up on Instagram, at brand

673
00:31:34,480 --> 00:31:38,800
Speaker 3: Ambission Podcast on the Gram, or by email at Brandanmbission

674
00:31:38,840 --> 00:31:41,720
Speaker 3: Podcast at gmail dot com dot com.

675
00:31:41,880 --> 00:31:43,200
Speaker 2: Well, I have a question real quick.

676
00:31:43,760 --> 00:31:45,840
Speaker 1: I need two things. I mean, I feel like the

677
00:31:45,880 --> 00:31:49,280
Speaker 1: listeners are super savvy. My husband was cleaning like one

678
00:31:49,320 --> 00:31:52,040
Speaker 1: of our glass doors and he like scratched it.

679
00:31:52,440 --> 00:31:56,760
Speaker 2: What is like the best scratch whatever remover class?

680
00:31:57,040 --> 00:32:00,840
Speaker 1: And then second we have like this beautiful and the

681
00:32:00,880 --> 00:32:02,959
Speaker 1: mirror is old, you know, like the old mirror. How

682
00:32:03,000 --> 00:32:06,360
Speaker 1: the old mirrors are kind of like it's like different

683
00:32:06,360 --> 00:32:08,720
Speaker 1: colors or whatever. Because the mirror is old. I don't

684
00:32:08,720 --> 00:32:11,120
Speaker 1: want to take the mirror out. Is there like a

685
00:32:11,120 --> 00:32:13,160
Speaker 1: solution for that? I feel like you guys are super savvy.

686
00:32:13,200 --> 00:32:16,200
Speaker 1: Somebody in here news so you know you can always

687
00:32:16,520 --> 00:32:16,960
Speaker 1: at me.

688
00:32:17,040 --> 00:32:19,200
Speaker 2: At the Bunceanista. I love your feedback because you guys

689
00:32:19,200 --> 00:32:22,200
Speaker 2: are always adding me anyway. So yes, one, how do

690
00:32:22,240 --> 00:32:23,440
Speaker 2: I get these scratches out?

691
00:32:23,480 --> 00:32:25,920
Speaker 1: And then two any way to like fix like an

692
00:32:25,960 --> 00:32:27,480
Speaker 1: old mirror or we just kind of stuck with this

693
00:32:27,520 --> 00:32:29,479
Speaker 1: old mirror before we like, look, I really don't want

694
00:32:29,480 --> 00:32:31,440
Speaker 1: to get rid of this door because it's like who

695
00:32:31,480 --> 00:32:33,400
Speaker 1: wants to pay the extra couple of hundred bucks for

696
00:32:33,440 --> 00:32:34,920
Speaker 1: that new door where I could just update the.

697
00:32:34,880 --> 00:32:37,240
Speaker 3: Mirror those in the door.

698
00:32:38,080 --> 00:32:39,720
Speaker 1: Yeah, I don't know, Like, well, you know, our house

699
00:32:39,720 --> 00:32:41,800
Speaker 1: is built in nineteen twenty and then I guess it

700
00:32:41,840 --> 00:32:43,960
Speaker 1: went through a renovation. It seems like in the early

701
00:32:44,080 --> 00:32:46,800
Speaker 1: nineteen hundreds as well, And so there's like this.

702
00:32:47,040 --> 00:32:49,920
Speaker 2: In the guest bedroom, there's a door. We have a

703
00:32:50,000 --> 00:32:50,880
Speaker 2: Jack and Jill.

704
00:32:50,840 --> 00:32:53,720
Speaker 1: Like walking closet, and one of the doors has a

705
00:32:53,760 --> 00:32:55,280
Speaker 1: mirror like embedded into it.

706
00:32:55,520 --> 00:32:56,880
Speaker 2: But it's not the kind of mirror.

707
00:32:56,560 --> 00:32:58,680
Speaker 1: That you could be like, oh, like with the little

708
00:32:58,680 --> 00:33:01,400
Speaker 1: plastic things that holds up he embedded into the door,

709
00:33:01,800 --> 00:33:04,640
Speaker 1: but it's like discolored, And I'm like, I don't Basically,

710
00:33:04,680 --> 00:33:06,520
Speaker 1: we'd have to like get rid of the door and

711
00:33:06,560 --> 00:33:08,800
Speaker 1: it's a beautiful, full, like solid wood door, and I

712
00:33:08,800 --> 00:33:10,360
Speaker 1: don't want to do that. So I'm just trying to think,

713
00:33:10,400 --> 00:33:13,360
Speaker 1: is there something I could do to like update the mirror.

714
00:33:13,160 --> 00:33:14,560
Speaker 2: A little bit bring back the color.

715
00:33:14,640 --> 00:33:17,400
Speaker 1: I don't know, girl, this house, I'm like, I both

716
00:33:17,480 --> 00:33:19,080
Speaker 1: love it, and I'm like, girl, we don't need any

717
00:33:19,120 --> 00:33:21,720
Speaker 1: more surprises with your old self, because your older houses,

718
00:33:21,720 --> 00:33:24,200
Speaker 1: even after renovations, are like oh you.

719
00:33:24,200 --> 00:33:27,560
Speaker 3: Thought he I think they call that character.

720
00:33:28,280 --> 00:33:29,040
Speaker 2: Yes they do.

721
00:33:29,200 --> 00:33:30,920
Speaker 1: And I mean there's days when I'm like, oh, I

722
00:33:31,000 --> 00:33:32,400
Speaker 1: love your house, and other days and I'm like.

723
00:33:32,320 --> 00:33:36,080
Speaker 2: Are you kidding? Men, So you know we're in the mix.

724
00:33:36,840 --> 00:33:40,160
Speaker 1: I'm mostly not traumatized because we're finally starting to get

725
00:33:40,320 --> 00:33:43,200
Speaker 1: My couch came in today and we have like all

726
00:33:43,360 --> 00:33:45,800
Speaker 1: major big furniture in the house for the most part,

727
00:33:45,960 --> 00:33:48,239
Speaker 1: and so I'm starting to feel more homey. But then

728
00:33:48,280 --> 00:33:50,800
Speaker 1: the ac is not working, which is like delightful, especially

729
00:33:50,800 --> 00:33:54,360
Speaker 1: since we're in the heat wave. So there's just one

730
00:33:54,400 --> 00:33:56,480
Speaker 1: of our tiles is loose. I don't know what happened.

731
00:33:56,680 --> 00:33:58,640
Speaker 1: Somebody already scratched the wood floor in the living room.

732
00:33:58,680 --> 00:34:01,840
Speaker 1: I'm like, oh, Grant, so let it go.

733
00:34:02,080 --> 00:34:04,200
Speaker 3: You have to just let it go. This house is

734
00:34:04,240 --> 00:34:08,360
Speaker 3: not here for you. It's going to test your patience

735
00:34:08,360 --> 00:34:09,839
Speaker 3: in every single way it is.

736
00:34:10,440 --> 00:34:11,840
Speaker 2: You want everything to be perfect, because you know you

737
00:34:11,920 --> 00:34:12,879
Speaker 2: moved in everything.

738
00:34:12,640 --> 00:34:15,640
Speaker 3: Was so perfect and all the money, right, all the money.

739
00:34:16,880 --> 00:34:19,280
Speaker 2: You're like, what is this spot? Who left the spot

740
00:34:19,320 --> 00:34:19,960
Speaker 2: on the counter.

741
00:34:20,840 --> 00:34:23,080
Speaker 1: Everyone like Superman a Supergirl are both looking at me

742
00:34:23,080 --> 00:34:25,399
Speaker 1: like I'm crazy because in our old apartment, I am

743
00:34:25,719 --> 00:34:26,600
Speaker 1: far from a neat freak.

744
00:34:26,640 --> 00:34:29,840
Speaker 2: I'm like whatever, girl, you know. But now, because like we're.

745
00:34:29,680 --> 00:34:32,600
Speaker 1: In this house, I'm like, I find myself wiping everything,

746
00:34:32,600 --> 00:34:36,840
Speaker 1: cleaning everything, scrubbing everything, and Superman is like, I like this, Tiffany,

747
00:34:36,880 --> 00:34:37,480
Speaker 1: I'm like, whatever.

748
00:34:38,520 --> 00:34:41,040
Speaker 3: Now you understand our parents when they were like, when

749
00:34:41,040 --> 00:34:42,520
Speaker 3: you pay the bills, you'll understand.

750
00:34:42,640 --> 00:34:44,480
Speaker 2: You know, yes, I totally do.

751
00:34:44,719 --> 00:35:04,120
Speaker 4: So now it's time for boost or break for all

752
00:35:04,200 --> 00:35:04,840
Speaker 4: the family.

753
00:35:05,640 --> 00:35:08,839
Speaker 2: Will you boost? Will you break? What will it be?

754
00:35:09,360 --> 00:35:13,920
Speaker 3: Man d I like that I'm gonna break today. I

755
00:35:14,120 --> 00:35:17,960
Speaker 3: need a break from these student loan scam phone calls.

756
00:35:18,239 --> 00:35:21,200
Speaker 3: Something something has happened this summer where I feel like

757
00:35:21,239 --> 00:35:23,840
Speaker 3: I'm getting at least two or three calls a day

758
00:35:24,200 --> 00:35:26,840
Speaker 3: a day. And what's creepy to me about these calls

759
00:35:26,880 --> 00:35:29,759
Speaker 3: is that they sound so realistic, like they just you know,

760
00:35:29,800 --> 00:35:32,680
Speaker 3: most scam calls. Sometimes it's a giveaway if their grammar

761
00:35:32,760 --> 00:35:34,719
Speaker 3: is bad or they have an accent, no offense to

762
00:35:34,719 --> 00:35:37,200
Speaker 3: anyone who has accents. But sometimes with scammers, they can

763
00:35:37,200 --> 00:35:39,920
Speaker 3: be overseas and that can be an indication that you're

764
00:35:39,960 --> 00:35:41,880
Speaker 3: not talking to someone who knows what they're talking about,

765
00:35:42,280 --> 00:35:44,719
Speaker 3: especially when they say things like we're part of a

766
00:35:44,719 --> 00:35:47,560
Speaker 3: new government student loan forgiveness program, or did you know

767
00:35:47,680 --> 00:35:50,080
Speaker 3: that you know there's a program that you can apply

768
00:35:50,200 --> 00:35:53,160
Speaker 3: for to modify your student loans and get a lower rate.

769
00:35:54,000 --> 00:35:57,440
Speaker 3: And these people just sound like little Susie Q from

770
00:35:57,520 --> 00:35:59,879
Speaker 3: Pennsylvania or you know.

771
00:36:00,360 --> 00:36:01,640
Speaker 2: Whatever, just regular.

772
00:36:02,480 --> 00:36:05,040
Speaker 3: I really want to know who these people are, how

773
00:36:05,040 --> 00:36:06,840
Speaker 3: they get this job, and do they even know that

774
00:36:06,880 --> 00:36:09,880
Speaker 3: they are working for a company that's not legitimate because

775
00:36:09,880 --> 00:36:11,719
Speaker 3: they I mean, I almost want to just play you

776
00:36:11,719 --> 00:36:14,560
Speaker 3: guys one right now. I won't do it because you know,

777
00:36:14,560 --> 00:36:16,839
Speaker 3: we don't have enough time. But anyway, if you get

778
00:36:16,840 --> 00:36:19,239
Speaker 3: these phone calls and they sound legit, I don't even

779
00:36:19,280 --> 00:36:21,319
Speaker 3: have student loan debt, so I can easily ignore them.

780
00:36:21,320 --> 00:36:23,799
Speaker 3: But I can because they sound so realistic. I just

781
00:36:23,960 --> 00:36:26,440
Speaker 3: know people must be following for this, at least at

782
00:36:26,480 --> 00:36:28,640
Speaker 3: the point where they call them back, you know. But

783
00:36:28,840 --> 00:36:33,440
Speaker 3: just know that any federal forgiveness student loan program or

784
00:36:33,480 --> 00:36:37,400
Speaker 3: anything with the US government that they're talking about, you

785
00:36:37,400 --> 00:36:39,760
Speaker 3: have to sign up or pay for, like pay another

786
00:36:39,800 --> 00:36:43,479
Speaker 3: company to enroll you in is completely bogus. Of course,

787
00:36:43,520 --> 00:36:46,160
Speaker 3: the US government will make it totally available to everybody

788
00:36:46,200 --> 00:36:49,359
Speaker 3: to sign up on their own without paying. To sign up.

789
00:36:49,880 --> 00:36:51,959
Speaker 3: All you have to do is often call your loan

790
00:36:52,000 --> 00:36:54,560
Speaker 3: service or to get enrolled in these programs, you know,

791
00:36:54,640 --> 00:36:59,399
Speaker 3: public service, loan forgiveness or income based repayment plans. Those

792
00:36:59,440 --> 00:37:03,880
Speaker 3: programs are one hundred percent available. Don't pay anybody to

793
00:37:03,920 --> 00:37:07,600
Speaker 3: do it for you. It's it's not cool. And definitely

794
00:37:07,640 --> 00:37:10,600
Speaker 3: don't call back these scammers when they call you, because

795
00:37:10,760 --> 00:37:12,600
Speaker 3: they're legit firing up for the summer.

796
00:37:13,920 --> 00:37:16,480
Speaker 1: Yes, I felt like my phone, my phone is always

797
00:37:16,520 --> 00:37:18,200
Speaker 1: ringing and I'm like, what now you.

798
00:37:18,160 --> 00:37:20,640
Speaker 3: Know, Yes, it's either that or it's like I RS

799
00:37:20,719 --> 00:37:22,839
Speaker 3: but something about the summertime. They must know people are

800
00:37:22,840 --> 00:37:25,920
Speaker 3: like planning for college or just graduated with debt or something.

801
00:37:26,000 --> 00:37:27,480
Speaker 3: But it's it's insane.

802
00:37:29,040 --> 00:37:29,720
Speaker 2: Well, it's funny.

803
00:37:29,760 --> 00:37:31,919
Speaker 1: We must be on the same accord, because I too,

804
00:37:32,400 --> 00:37:35,839
Speaker 1: am going to break. My break is going to be.

805
00:37:35,880 --> 00:37:38,520
Speaker 1: So I moved into this great neighborhood where I live

806
00:37:38,640 --> 00:37:41,600
Speaker 1: in Newark, and there's an association and I was super

807
00:37:41,600 --> 00:37:42,560
Speaker 1: excited to join it.

808
00:37:42,880 --> 00:37:52,239
Speaker 2: But they're a little bit I'm trying to figure out

809
00:37:52,239 --> 00:37:55,560
Speaker 2: the word whatever. They're a little bit elitist, and so

810
00:37:55,560 --> 00:37:56,799
Speaker 2: they set out an email the other day.

811
00:37:56,800 --> 00:37:59,560
Speaker 1: They're al sending out an email like hey, lost dog

812
00:37:59,719 --> 00:38:03,640
Speaker 1: or somebody's truck or whatever. So I was reading this email,

813
00:38:03,719 --> 00:38:05,080
Speaker 1: so I'm on the if you have the do you

814
00:38:05,160 --> 00:38:08,080
Speaker 1: have the ring app or the ring Mandy at your house?

815
00:38:09,760 --> 00:38:12,320
Speaker 1: So the ring, oh, the nests Okay, so it's similar.

816
00:38:12,360 --> 00:38:15,799
Speaker 1: So you know, ring is like digital video doorbell, so

817
00:38:15,840 --> 00:38:16,480
Speaker 1: you can see.

818
00:38:16,280 --> 00:38:18,080
Speaker 2: Everything that happens, kind of like it happens in front

819
00:38:18,080 --> 00:38:18,520
Speaker 2: of your house.

820
00:38:18,960 --> 00:38:22,520
Speaker 1: So I noticed, maybe like a few weeks ago that

821
00:38:22,760 --> 00:38:25,160
Speaker 1: because when you have the ring, you join something called

822
00:38:25,200 --> 00:38:28,000
Speaker 1: like next next Door where people can share their ring

823
00:38:28,080 --> 00:38:30,080
Speaker 1: videos if someone has stolen the package or whatever.

824
00:38:30,440 --> 00:38:33,319
Speaker 2: So these two little girls, one can.

825
00:38:33,320 --> 00:38:36,359
Speaker 1: Be more than like seven max and the other one

826
00:38:36,360 --> 00:38:40,440
Speaker 1: who's clearly her sister, looks maybe ten, and so apparently

827
00:38:40,480 --> 00:38:42,040
Speaker 1: I guess they've been rifling through people's mail.

828
00:38:42,080 --> 00:38:44,360
Speaker 2: But it was like during when school was still in session.

829
00:38:44,800 --> 00:38:48,560
Speaker 1: They clearly look like, I don't I don't want to

830
00:38:48,560 --> 00:38:51,960
Speaker 1: say homeless, but they look like they're having a hard

831
00:38:51,960 --> 00:38:55,040
Speaker 1: time because what's seven year old and a ten year

832
00:38:55,040 --> 00:38:56,680
Speaker 1: old rifles through mail and then rings.

833
00:38:56,480 --> 00:38:58,640
Speaker 2: Your doorbell and asks if you have any work so

834
00:38:58,680 --> 00:38:59,560
Speaker 2: they can make money.

835
00:39:00,000 --> 00:39:04,600
Speaker 1: Anyway, I saw that next door and people were rightfully

836
00:39:04,680 --> 00:39:07,680
Speaker 1: so dragging the person that posted, like, why are you

837
00:39:07,719 --> 00:39:08,560
Speaker 1: posting these children?

838
00:39:08,920 --> 00:39:11,160
Speaker 2: You know this is not like, you know, an eighteen

839
00:39:11,200 --> 00:39:13,520
Speaker 2: year old still in your package, Like something is clearly wrong.

840
00:39:13,719 --> 00:39:15,719
Speaker 2: Seven year olds don't rifle through mail, you know.

841
00:39:16,600 --> 00:39:21,439
Speaker 1: So I got an email from my association that I joined,

842
00:39:21,480 --> 00:39:23,279
Speaker 1: and they are already kind of on my last nerve

843
00:39:23,640 --> 00:39:26,120
Speaker 1: because they're so particular. They I literally I'm like, I'm

844
00:39:26,160 --> 00:39:27,440
Speaker 1: not going back to any more meetings. They had a

845
00:39:27,480 --> 00:39:30,000
Speaker 1: meeting where they were like basically, snitch on your neighbor

846
00:39:30,000 --> 00:39:32,520
Speaker 1: if your neighbors cutting your grass tell I'm like, who

847
00:39:32,560 --> 00:39:33,080
Speaker 1: says that?

848
00:39:33,480 --> 00:39:36,520
Speaker 3: Because so you have an ancient way then.

849
00:39:37,239 --> 00:39:42,239
Speaker 1: No, no, no, sool yes, you know, and that's the worst.

850
00:39:42,280 --> 00:39:43,920
Speaker 2: You know, take themselves entirely too.

851
00:39:43,960 --> 00:39:45,799
Speaker 3: How would you voluntarily sign up for that?

852
00:39:47,000 --> 00:39:49,040
Speaker 1: So I was I'm gonna, you know, I want to

853
00:39:49,040 --> 00:39:51,120
Speaker 1: be part of the association and get to know the neighbors.

854
00:39:51,200 --> 00:39:51,399
Speaker 2: Yeah.

855
00:39:51,480 --> 00:39:56,279
Speaker 1: Right, So there's so much wrong where, you know, it's

856
00:39:56,400 --> 00:39:59,080
Speaker 1: very judgy, Like did you see House two two one?

857
00:40:00,160 --> 00:40:01,799
Speaker 2: I don't know why they put that roof on. I'm

858
00:40:01,840 --> 00:40:02,600
Speaker 2: calling the city.

859
00:40:02,680 --> 00:40:04,799
Speaker 1: It's very much like I'm here to tell on you

860
00:40:05,320 --> 00:40:09,160
Speaker 1: and telling your neighbors and just it was just very judging.

861
00:40:09,200 --> 00:40:10,320
Speaker 1: So I was like, okay, I'm not coming back to

862
00:40:10,400 --> 00:40:13,520
Speaker 1: the association meeting again. Some of the people individually are

863
00:40:13,520 --> 00:40:15,640
Speaker 1: really nice, but on a whole I wasn't loving it.

864
00:40:16,560 --> 00:40:18,880
Speaker 1: And so I got an email that, when I tell you,

865
00:40:18,960 --> 00:40:23,000
Speaker 1: I was livid, livid. It was an email that said

866
00:40:24,040 --> 00:40:26,440
Speaker 1: prowlers and male thieves.

867
00:40:26,400 --> 00:40:27,240
Speaker 2: And I'm like what.

868
00:40:27,280 --> 00:40:30,520
Speaker 1: So I read it and it says, hey, two little

869
00:40:30,520 --> 00:40:32,160
Speaker 1: girls ages seven and eleven.

870
00:40:32,560 --> 00:40:36,719
Speaker 2: You know, please watch your mail. They've been rifling through

871
00:40:36,719 --> 00:40:38,000
Speaker 2: the mail. But first of all, to.

872
00:40:39,640 --> 00:40:42,480
Speaker 1: Describe a seven year old and a ten year old

873
00:40:42,520 --> 00:40:48,200
Speaker 1: as a prowler, I was like floored. And it was,

874
00:40:48,760 --> 00:40:51,880
Speaker 1: you know, please watch out for them. They might be

875
00:40:51,960 --> 00:40:55,640
Speaker 1: casing your house a seven year old. And I was

876
00:40:55,800 --> 00:40:58,279
Speaker 1: like okay, And I was like, hey, get worse than this.

877
00:40:58,320 --> 00:41:00,720
Speaker 1: So I'm still reading and it was basically like protect

878
00:41:00,719 --> 00:41:04,680
Speaker 1: yourselves against them. They they didn't have the picture, but

879
00:41:04,719 --> 00:41:06,239
Speaker 1: I knew exactly what they're talking about because I saw

880
00:41:06,239 --> 00:41:09,400
Speaker 1: it in the ring app complexion.

881
00:41:10,239 --> 00:41:13,800
Speaker 2: Light brown look to be biracial or Hispanic. Mandy.

882
00:41:13,840 --> 00:41:18,880
Speaker 1: I flipped out, Oh god, I was like, are you

883
00:41:19,520 --> 00:41:21,040
Speaker 1: serious the neighborhood watch.

884
00:41:22,200 --> 00:41:24,600
Speaker 2: I was like, are you serious?

885
00:41:24,680 --> 00:41:26,759
Speaker 3: So I forgot what I wrote and do what like

886
00:41:26,800 --> 00:41:28,319
Speaker 3: look out for them and do what like.

887
00:41:28,880 --> 00:41:29,800
Speaker 2: A seven year old?

888
00:41:30,080 --> 00:41:32,440
Speaker 1: This is not a seventeen year old twenty seven thirty

889
00:41:32,920 --> 00:41:37,000
Speaker 1: a seven year old. So instead of the concern of huh,

890
00:41:37,080 --> 00:41:38,880
Speaker 1: why are these two little girls who should be in

891
00:41:38,880 --> 00:41:41,239
Speaker 1: school during this time, why are they going through my mail?

892
00:41:41,280 --> 00:41:43,799
Speaker 2: Are they okay? No, no, no, no, because.

893
00:41:43,480 --> 00:41:46,960
Speaker 1: Apparently because they might be in Hispanic or biracial, these

894
00:41:47,000 --> 00:41:47,760
Speaker 1: are criminal.

895
00:41:47,840 --> 00:41:50,120
Speaker 2: You are criminalizing a seven year old and a ten

896
00:41:50,200 --> 00:41:50,600
Speaker 2: year old.

897
00:41:51,080 --> 00:41:54,080
Speaker 1: First of all, you ask yourself the logic of why

898
00:41:54,160 --> 00:41:55,600
Speaker 1: would a seven year old and a ten year old

899
00:41:55,640 --> 00:41:57,600
Speaker 1: rifle through your mail? They don't even have the sense

900
00:41:57,600 --> 00:41:59,480
Speaker 1: to know there's nothing they can get in there? Are

901
00:41:59,520 --> 00:42:00,680
Speaker 1: you leaving the mail?

902
00:42:01,160 --> 00:42:01,239
Speaker 3: Like?

903
00:42:01,280 --> 00:42:03,440
Speaker 2: Are they gonna deposit your check? You know?

904
00:42:03,800 --> 00:42:08,000
Speaker 1: And so I was so livid and I wrote something like,

905
00:42:08,040 --> 00:42:11,200
Speaker 1: so that's what we're doing now, We're racially profiling seven

906
00:42:11,200 --> 00:42:12,920
Speaker 1: and ten year olds in a neighborhood. That's what I

907
00:42:12,960 --> 00:42:15,120
Speaker 1: wrote them back, like you should be ashamed of yourself.

908
00:42:15,200 --> 00:42:19,000
Speaker 1: First of all, Mandy, we live this neighborhood has a

909
00:42:19,000 --> 00:42:23,000
Speaker 1: fundraiser for the stray cats, a fundraiser and.

910
00:42:23,040 --> 00:42:24,799
Speaker 2: A whole calendar. Oh.

911
00:42:24,840 --> 00:42:27,040
Speaker 1: And I was like, so there is more care for

912
00:42:27,200 --> 00:42:29,360
Speaker 1: stray cats than straight children.

913
00:42:29,719 --> 00:42:32,239
Speaker 2: And I was like, this is disgusting and I am disappointed.

914
00:42:32,480 --> 00:42:34,560
Speaker 1: And so the reaction to a friend of mine who

915
00:42:34,560 --> 00:42:37,279
Speaker 1: lives here too, she wrote them a much nicer letter,

916
00:42:37,480 --> 00:42:39,160
Speaker 1: so I guess they actually wrote her back and they

917
00:42:39,160 --> 00:42:41,320
Speaker 1: were like, well, this is just like I just gathered

918
00:42:41,360 --> 00:42:43,239
Speaker 1: the things that the people from the neighborhood have sent us.

919
00:42:43,320 --> 00:42:46,160
Speaker 1: We've already submitted into the police. It's in their hands.

920
00:42:46,200 --> 00:42:48,720
Speaker 1: And she was like, that's not the issue. The issue

921
00:42:48,760 --> 00:42:52,200
Speaker 1: is how you're describing these girls. There's no like it'd

922
00:42:52,239 --> 00:42:54,799
Speaker 1: be one thing if you said two little girls, if

923
00:42:54,800 --> 00:42:57,680
Speaker 1: anybody interacts with them, we have a social worker that

924
00:42:57,719 --> 00:43:00,520
Speaker 1: can see what's wrong. You don't care what's wrong children.

925
00:43:01,280 --> 00:43:04,479
Speaker 1: I just you care about straight cats. Chid.

926
00:43:04,560 --> 00:43:06,759
Speaker 2: When I tell you, I was like, I can't you

927
00:43:06,760 --> 00:43:06,920
Speaker 2: know what.

928
00:43:06,960 --> 00:43:09,200
Speaker 1: I'm actually gonna go to the next meeting because I'm

929
00:43:09,200 --> 00:43:11,000
Speaker 1: gonna light them up and then I'm never gonna come

930
00:43:11,000 --> 00:43:11,520
Speaker 1: back again.

931
00:43:11,960 --> 00:43:15,360
Speaker 3: Don't put a target on you back listen, these neighborhood associations,

932
00:43:15,520 --> 00:43:18,359
Speaker 3: even like the informal ones. We have an informal one

933
00:43:18,360 --> 00:43:20,520
Speaker 3: in our neighborhood too that we just that we decided

934
00:43:20,560 --> 00:43:24,120
Speaker 3: to join. And I took issue with something they said

935
00:43:24,160 --> 00:43:26,600
Speaker 3: in an email about a man in our neighborhood. Apparently,

936
00:43:26,600 --> 00:43:28,239
Speaker 3: you know how you can look up out apps and

937
00:43:28,280 --> 00:43:31,239
Speaker 3: see where pedophiles live near you, and I guess someone

938
00:43:31,320 --> 00:43:32,920
Speaker 3: was playing around with it and they found one in

939
00:43:32,960 --> 00:43:36,360
Speaker 3: our neighborhood. And they were holding a special meeting to

940
00:43:36,480 --> 00:43:40,880
Speaker 3: discuss this man in the neighborhood. And I'm like, he's like, okay,

941
00:43:40,880 --> 00:43:43,120
Speaker 3: he has a criminal record, he's on this list or whatever,

942
00:43:43,160 --> 00:43:44,879
Speaker 3: but like, what are you going to accomplish. You can't

943
00:43:44,880 --> 00:43:47,319
Speaker 3: make him leave his house. You can't like kick him out,

944
00:43:47,719 --> 00:43:49,359
Speaker 3: you know. And it seemed like and it was just like,

945
00:43:49,400 --> 00:43:52,800
Speaker 3: oh caps the email, you know, sexual offender in the neighborhood.

946
00:43:52,840 --> 00:43:55,080
Speaker 3: And it was just like very people are just these

947
00:43:55,120 --> 00:43:57,480
Speaker 3: people and these you know, these associations, they get off

948
00:43:57,480 --> 00:43:59,880
Speaker 3: on this kind of like drama. And I learned, you know,

949
00:43:59,880 --> 00:44:03,600
Speaker 3: I sent my sassy email and like I sure did

950
00:44:03,680 --> 00:44:05,880
Speaker 3: a hit reply all and I stoked that flame. My

951
00:44:05,960 --> 00:44:09,120
Speaker 3: husband was so mad at me. He's like, Babe, they're

952
00:44:09,120 --> 00:44:10,759
Speaker 3: gonna come for us. They're going to complain about our

953
00:44:10,760 --> 00:44:15,239
Speaker 3: construction for the house. YadA, YadA, YadA. It can just

954
00:44:15,680 --> 00:44:17,839
Speaker 3: I know it's hard, but it's I'm just war. That's

955
00:44:17,880 --> 00:44:19,840
Speaker 3: just my warning. And it hasn't happened to us. You know,

956
00:44:19,880 --> 00:44:22,160
Speaker 3: we did have that crazy neighbor who tried to complain

957
00:44:22,200 --> 00:44:26,200
Speaker 3: about our construction but didn't actually do anything. But yeah, like,

958
00:44:26,360 --> 00:44:28,239
Speaker 3: you know, neighborhoods are a beautiful thing. We have some

959
00:44:28,280 --> 00:44:29,520
Speaker 3: great neighbors here, but just.

960
00:44:30,040 --> 00:44:32,399
Speaker 1: Yeah, you know, you don't I said it, like yeah,

961
00:44:32,440 --> 00:44:34,040
Speaker 1: and I thought about that too, because they are very

962
00:44:34,120 --> 00:44:35,719
Speaker 1: much to want to be like, let me look up

963
00:44:35,719 --> 00:44:37,640
Speaker 1: your whole life and report on something you did in

964
00:44:37,640 --> 00:44:41,000
Speaker 1: fifth grade. So you know what, You're right, I'm not

965
00:44:41,040 --> 00:44:42,600
Speaker 1: gonna I already sad my sassy email.

966
00:44:43,040 --> 00:44:43,640
Speaker 2: I think it said.

967
00:44:43,640 --> 00:44:46,120
Speaker 1: What I'm going to do is for for my own

968
00:44:46,160 --> 00:44:48,920
Speaker 1: informal like the people that I like in the neighborhood,

969
00:44:48,960 --> 00:44:50,840
Speaker 1: and not that we're going to form association, but like

970
00:44:50,880 --> 00:44:53,800
Speaker 1: just connect with the people that are actually like wanting

971
00:44:53,880 --> 00:44:58,319
Speaker 1: to create like a welcoming neighborhood because you know, there's

972
00:44:58,360 --> 00:45:00,319
Speaker 1: so many dope people in our neighborhood and and they don't,

973
00:45:00,320 --> 00:45:02,320
Speaker 1: they're not a part of the association, and such a shame.

974
00:45:02,560 --> 00:45:07,840
Speaker 1: And it's because of this judgmental like attitude. And I

975
00:45:07,840 --> 00:45:10,319
Speaker 1: mean when I said, we have some amazing people, they

976
00:45:10,320 --> 00:45:13,880
Speaker 1: don't even know, you know, Like for example, we were doing.

977
00:45:13,640 --> 00:45:15,279
Speaker 2: This this fundraiser. So I was like, oh, I'm going

978
00:45:15,320 --> 00:45:16,200
Speaker 2: to join the committee.

979
00:45:16,360 --> 00:45:18,800
Speaker 1: So I said, hey, I have two organizations I know

980
00:45:18,880 --> 00:45:21,239
Speaker 1: one hundred percent will give money, you know, just give

981
00:45:21,280 --> 00:45:23,799
Speaker 1: me the one pager and I'm going to reach out

982
00:45:23,840 --> 00:45:25,680
Speaker 1: to the two of them. So they went over my

983
00:45:25,760 --> 00:45:28,040
Speaker 1: head and reached out to one of the organizes. I'm

984
00:45:28,040 --> 00:45:29,640
Speaker 1: not going to say the name. Reached out to one

985
00:45:29,640 --> 00:45:32,520
Speaker 1: of the organizations and it only hit me up and

986
00:45:32,719 --> 00:45:34,520
Speaker 1: I kept emailing like hey, I didn't know that they

987
00:45:34,520 --> 00:45:36,520
Speaker 1: had done this. I kept emailing like hey, I never

988
00:45:36,520 --> 00:45:39,839
Speaker 1: got the one she quiet until months later they were like, hey,

989
00:45:40,480 --> 00:45:42,920
Speaker 1: your friend that you're at that organization never wrote me back.

990
00:45:42,960 --> 00:45:46,600
Speaker 1: I'm like, what you You messaged her directly? Why did

991
00:45:46,960 --> 00:45:48,080
Speaker 1: Why didn't you come through me?

992
00:45:48,160 --> 00:45:51,560
Speaker 2: Like that's you know. And so she ended up calling me.

993
00:45:51,560 --> 00:45:52,719
Speaker 2: It was like, hey, do you know these people?

994
00:45:52,719 --> 00:45:55,120
Speaker 1: And I was like yes, and she was going to

995
00:45:55,160 --> 00:45:58,680
Speaker 1: give double the amount, but because it went through him

996
00:45:58,840 --> 00:46:01,600
Speaker 1: and she really didn't know, they got half of what

997
00:46:01,640 --> 00:46:04,080
Speaker 1: she was willing to give, and the other organization didn't

998
00:46:04,080 --> 00:46:06,800
Speaker 1: give anything, even though my friend who worked there verbally

999
00:46:06,840 --> 00:46:10,040
Speaker 1: promised me like a good amount, And I just thought

1000
00:46:10,080 --> 00:46:15,239
Speaker 1: to myself, what the holy hell, Like, I just don't I.

1001
00:46:15,200 --> 00:46:15,719
Speaker 2: Don't get it.

1002
00:46:15,760 --> 00:46:19,359
Speaker 3: There's a whole power hierarchy in these little associations. Yes,

1003
00:46:19,600 --> 00:46:20,360
Speaker 3: I'm telling.

1004
00:46:20,120 --> 00:46:22,800
Speaker 1: You it's they don't even realize they missed out on

1005
00:46:22,880 --> 00:46:24,879
Speaker 1: the money, obviously because you know, but I just thought

1006
00:46:24,880 --> 00:46:28,120
Speaker 1: to myself, you just mean you literally missed out on

1007
00:46:28,160 --> 00:46:30,960
Speaker 1: thousands of dollars and you got a few hundred just

1008
00:46:31,000 --> 00:46:32,640
Speaker 1: so you could say you were the one that got it.

1009
00:46:32,680 --> 00:46:35,000
Speaker 1: And I'm like, okay, But then you know, now they're

1010
00:46:35,040 --> 00:46:37,000
Speaker 1: calling to ask them. I'm like, I'm not participating in.

1011
00:46:37,200 --> 00:46:39,080
Speaker 1: I mean, I'm gonna come to the event, but I'm

1012
00:46:39,080 --> 00:46:41,360
Speaker 1: not say on any more committees. I'm not I'm not

1013
00:46:41,400 --> 00:46:45,000
Speaker 1: giving up any more connections. I'm just gonna mind my

1014
00:46:45,000 --> 00:46:48,560
Speaker 1: black business, enjoy my house and like, you know, like

1015
00:46:48,560 --> 00:46:50,520
Speaker 1: there's a bunch of my friends who live here, thank god.

1016
00:46:50,920 --> 00:46:52,520
Speaker 2: But yeah, it just really like set.

1017
00:46:52,360 --> 00:46:54,720
Speaker 1: Me off because it's so crazy because you know, before

1018
00:46:54,760 --> 00:46:57,520
Speaker 1: here I lived in the Halfway Hood, people didn't behave

1019
00:46:57,600 --> 00:47:01,600
Speaker 1: like this, like it so much more welcoming, you know,

1020
00:47:01,680 --> 00:47:02,520
Speaker 1: which is so crazy.

1021
00:47:02,560 --> 00:47:06,680
Speaker 2: Isn't that crazy? That's all about right.

1022
00:47:06,000 --> 00:47:09,640
Speaker 1: Like people were like no one experience for real, And

1023
00:47:09,680 --> 00:47:11,480
Speaker 1: I'm just like, you know, this is supposed to be

1024
00:47:11,480 --> 00:47:16,240
Speaker 1: like the nicer, more fluent part of Newark, And I'm like, yeah.

1025
00:47:15,960 --> 00:47:18,239
Speaker 3: But I feel real good about themselves.

1026
00:47:17,800 --> 00:47:21,239
Speaker 1: Yes, versus like where were living before, Like i mean,

1027
00:47:21,320 --> 00:47:23,560
Speaker 1: the hood embraced us, Are you good? I mean I

1028
00:47:23,640 --> 00:47:27,440
Speaker 1: never brought in groceries alone. Somebody's kid always did. Whenever

1029
00:47:27,480 --> 00:47:30,160
Speaker 1: my lights were on in my car, someone always knocking

1030
00:47:30,200 --> 00:47:32,080
Speaker 1: the door to tell us, Like I mean, it was

1031
00:47:32,239 --> 00:47:34,560
Speaker 1: just so much more welcoming. I mean, I don't miss, like,

1032
00:47:34,600 --> 00:47:38,760
Speaker 1: you know, the occasional gunshots, you know, and in the distance.

1033
00:47:39,000 --> 00:47:41,120
Speaker 3: But I'm just some people call that character.

1034
00:47:41,120 --> 00:47:43,319
Speaker 1: I know, but I do miss like the neighbors and

1035
00:47:43,360 --> 00:47:46,520
Speaker 1: how welcoming they are. But like, yeah, I mean that's

1036
00:47:46,560 --> 00:47:49,719
Speaker 1: my my my brown my ex brown boy. Actually that's

1037
00:47:49,760 --> 00:47:50,520
Speaker 1: my black break.

1038
00:47:50,600 --> 00:47:53,640
Speaker 3: Okay. I know there's people nodding their heads and like

1039
00:47:53,840 --> 00:47:56,480
Speaker 3: yelling at the radio right now, or at their cell

1040
00:47:56,520 --> 00:47:59,080
Speaker 3: phone right now, who have experiences with their h away

1041
00:47:59,719 --> 00:48:03,719
Speaker 3: or whatever condo association or co op board, like it's

1042
00:48:03,760 --> 00:48:05,799
Speaker 3: like sometimes and it's and we're lucky because we don't

1043
00:48:05,800 --> 00:48:08,000
Speaker 3: have like formal ones, but they can really ruin lives,

1044
00:48:08,040 --> 00:48:09,719
Speaker 3: Like there is that one guy who was sued for

1045
00:48:09,800 --> 00:48:11,880
Speaker 3: like millions of dollars because he built he put like

1046
00:48:11,920 --> 00:48:14,479
Speaker 3: a flower bed and he had the audacity to plant

1047
00:48:14,560 --> 00:48:17,600
Speaker 3: some flowers in his yard. They have all these little stuff. Yes,

1048
00:48:17,840 --> 00:48:20,359
Speaker 3: there was that story. You guys need to share, share

1049
00:48:20,400 --> 00:48:22,879
Speaker 3: your stories you have. Do you have a story where

1050
00:48:22,880 --> 00:48:25,359
Speaker 3: you were doing minding your own business for the house

1051
00:48:25,520 --> 00:48:28,080
Speaker 3: at the house you paid for and your HOA or

1052
00:48:28,120 --> 00:48:31,560
Speaker 3: your co op board or condo association took issue with it,

1053
00:48:31,760 --> 00:48:35,880
Speaker 3: or a neighbor snitched you out. Tell us then, to

1054
00:48:35,960 --> 00:48:41,200
Speaker 3: save space, tell us send us your sassy email business yes,

1055
00:48:42,200 --> 00:48:44,360
Speaker 3: or just like I don't know, being in a suburbs

1056
00:48:44,360 --> 00:48:48,040
Speaker 3: while brown, yes, suburbs while black like.

1057
00:48:51,320 --> 00:48:53,680
Speaker 2: Yes, yes, Oh this was awesome.

1058
00:48:53,760 --> 00:48:56,680
Speaker 1: I'm glad I got that off my chuck because I

1059
00:48:56,760 --> 00:48:58,719
Speaker 1: was going to go into the next meeting and light

1060
00:48:58,840 --> 00:49:01,160
Speaker 1: them up like yeah, now what, But I'm glad I

1061
00:49:01,160 --> 00:49:02,879
Speaker 1: did because you're right, they would have put a target

1062
00:49:02,880 --> 00:49:03,680
Speaker 1: on my back and I'd be.

1063
00:49:03,680 --> 00:49:06,239
Speaker 2: Like Mandy, I'm under investigation.

1064
00:49:07,280 --> 00:49:10,440
Speaker 3: You just can't underestimate. And if they're retired, oh, they

1065
00:49:10,440 --> 00:49:13,319
Speaker 3: got all that free time and the internet, they got

1066
00:49:13,360 --> 00:49:15,680
Speaker 3: resources at their fingertips. They got time to go to

1067
00:49:15,680 --> 00:49:18,680
Speaker 3: town hall and look you up. Now, just be careful,

1068
00:49:19,440 --> 00:49:20,120
Speaker 3: watch your back.

1069
00:49:23,760 --> 00:49:27,520
Speaker 1: Well, guys, that was an awesome show as perdus.

1070
00:49:29,000 --> 00:49:30,799
Speaker 2: Yeah, continue to connect with us.

1071
00:49:30,840 --> 00:49:35,400
Speaker 1: We'd love hearing from you guys on social Twitter, Instagram, Facebook. Honestly,

1072
00:49:36,080 --> 00:49:37,840
Speaker 1: you guys make our week. I feel like it just

1073
00:49:37,880 --> 00:49:40,200
Speaker 1: gets better and better a year after year. Hopefully we

1074
00:49:40,280 --> 00:49:44,520
Speaker 1: have some fun and exciting things coming soon for y'all,

1075
00:49:44,680 --> 00:49:49,240
Speaker 1: maybe some meetup s things, maybe some swaggy things.

1076
00:49:49,280 --> 00:49:50,480
Speaker 2: So you know, stay tuned

1077
00:49:50,719 --> 00:49:53,719
Speaker 3: Stay tuned, and I will see you guys on the

1078
00:49:53,760 --> 00:49:57,919
Speaker 3: other side of my vacation Aria there say for however

1079
00:49:58,000 --> 00:50:00,360
Speaker 3: you say goodbye in Portuguese, I don't know the