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Speaker 1: So we are back. We are back, we are black,

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Speaker 1: we are brand ambition. It's Tiffany, It's Mandy good.

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Speaker 2: Day, wow, epic jazz hands. Also, was that the tune

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Speaker 2: of Bee?

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Speaker 1: Yes? Okay? Good?

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Speaker 2: Were you also thinking about Beauty and the Beast randomly today?

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Speaker 2: Because I found myself thinking about it a lot today

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Speaker 2: And what a busted story that is for young girls.

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Speaker 1: You know what? I was thinking about it because I

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Speaker 1: was thinking about as reading an article right before we

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Speaker 1: got on that incident with the woman walking her dog.

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Speaker 1: Oh yeah, Karen Central Park Karen hashtag single park Karen. Yes, Wow, wow, wow, wow,

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Speaker 1: wow wow.

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Speaker 2: Can we not get through a national holiday without without

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Speaker 2: a story? This is so sad and the fact that

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Speaker 2: it happened in New York to racism or Karens. A

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Speaker 2: lot of Karens move here from other places, you know,

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Speaker 2: to fulfill their dream their dreams. It puts them in

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Speaker 2: the path with a lot of brown people and then

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Speaker 2: we have these situations. So but yeah, what a should show.

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Speaker 2: Let's talk about it. Yeah, let's also talk about the

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Speaker 2: connection between that and Beauty and the Beast for a second.

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Speaker 1: Well, because I was thinking to myself, like, she's in

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Speaker 1: the that she was in the woods. Like it literally

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Speaker 1: was like still on my computer. So I just was

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Speaker 1: thinking like she was in the woods and I don't know,

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Speaker 1: and it just had me thinking like be I guess,

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Speaker 1: you know, just so many leaps that my brain made.

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Speaker 2: But I mean, I'm with you on the journey, even

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Speaker 2: if I don't know where we're going. I'm always with you,

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Speaker 2: ride or.

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Speaker 1: Die, tip a. But honestly, she could not have except

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Speaker 1: she has the beast for the pack of wolves, and

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Speaker 1: he's like Bell, Yes, exactly, he's the bell in the analogy.

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Speaker 2: I'm with you now, gotcha?

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Speaker 1: Because I'm just like, ma'am, it's just and you know what,

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Speaker 1: I guess what really is? Well, let's just say because

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Speaker 1: not everybody knows. So there's a woman named Amy Cooper

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Speaker 1: because black Twitter has done its hissing, and they found

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Speaker 1: that woman within twenty four hours, and I fired, Wait,

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Speaker 1: I mean, could they erase student alone that? Because black Twitter,

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Speaker 1: y'all just do what to do all the things?

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Speaker 2: Girl lost her job, her livelihood. Has issued an apology

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Speaker 2: that's from like what the headline in the New York

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Speaker 2: Times has changed like ten times today to update the story.

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Speaker 1: Yes, and then gave her dog back to the to

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Speaker 1: the shelter. So apparently she was in this place called

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Speaker 1: I've been I've been to Sycho Potential Park before, but

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Speaker 1: there's a section called the Ramble, which I guess is

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Speaker 1: specifically known for bird watching, and you were supposed to

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Speaker 1: put your your dog on a leash, which sounds reasonable

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Speaker 1: because you know people. And so a gentleman named Christian

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Speaker 1: who was bird watching asked her to put her dog

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Speaker 1: on a leash, and Amy became enraged because how dare

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Speaker 1: you tell her what to do? Begins to I guess

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Speaker 1: rate him and quickly realizes, she know what, I don't

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Speaker 1: have to do whatever you want. I'm actually going to

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Speaker 1: call the police and I'm going to say, She literally

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Speaker 1: says with her mouth, do you know the level like

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Speaker 1: this is peak Karen level that you are literally being recorded.

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Speaker 1: You can see it and for you to say, watch

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Speaker 1: what I do as you record me, I'm going to

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Speaker 1: call the police and say an African American man is

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Speaker 1: threatening my life. She's saying this Basically, I'm gonna see

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Speaker 1: if I can get you potentially hurt. Today.

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Speaker 2: It almost she seemed like a threat, didn't it, Like

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Speaker 2: I'm gonna make sure to tell them you're African Americans,

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Speaker 2: so that they come with their guns. Ready, That's what

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Speaker 2: and I'm reading I'm reading into it, but it seemed

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Speaker 2: like that was the truth threat, not just that I'm

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Speaker 2: gonna call the cops, but I will let them know

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Speaker 2: of course, that you're a man.

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Speaker 1: Well, the fact that she said, because who says an

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Speaker 1: African American man? Like if it was just a regular

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Speaker 1: she would have just want, like, I'm gonna tell a

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Speaker 1: place a guy threatening me. But the fact that she

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Speaker 1: said an African American man, it was very much can

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Speaker 1: from across the street. Remember I told you, remember we

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Speaker 1: talked about how yes, my my husband's twin. Yeah, very

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Speaker 1: much like call the police. That's what that was. It

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Speaker 1: was weaponizing whiteness. She knew exactly what she was doing,

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Speaker 1: and she knew that he knew what that meant like,

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Speaker 1: and she says like, like, I guess she you know,

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Speaker 1: she's issued a weak apology. Basically, she's like, I was

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Speaker 1: I was afraid that. Did you watch the video? She

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Speaker 1: didn't look afraid to me. She looked very much in charge. Yeah,

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Speaker 1: I was afraid. It picked up.

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Speaker 2: It picked up right when he started after after the

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Speaker 2: beginning of the altercation when he asked her to put

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Speaker 2: the dog on the leash any because it's him recording.

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Speaker 2: That's that's the footage that's been released, nothing from her phone.

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Speaker 2: I felt so bad for the dog because she's just

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Speaker 2: yanking the dog's collar, holding onto the dog by the

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Speaker 2: collar as she's frantically dialing for the police. And that

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Speaker 2: poor dog, no wonder she had to give up ownership.

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Speaker 2: That dog choked to death.

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Speaker 1: Yes, I was looking like, ma'am, you are so so

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Speaker 1: concerned with trying to get this man in trouble that

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Speaker 1: you are literally killing your dog. That dog was like, Amy,

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Speaker 1: I didn't do it, Amy, I can't believe. I can't breathe. Yes,

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Speaker 1: oh yeah.

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Speaker 2: And and the fact that this guy he the reason

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Speaker 2: I think this is what triggered well, I don't know.

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Speaker 2: It's all like, you know, we're all just reading between

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Speaker 2: the lines or trying to make the story hole in

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Speaker 2: our heads because all we have is the video. And

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Speaker 2: then Christian wrote a Facebook post, which is where the

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Speaker 2: story's coming from. But he said that he keeps dog

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Speaker 2: treats in his pockets because he's such an avid birdwalker,

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Speaker 2: and he runs into the situation a lot where people

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Speaker 2: are not putting their dog on the leash, and so

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Speaker 2: he keeps treats in his pocket just in case, which

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Speaker 2: is very smart, in case a dog runs up on you,

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Speaker 2: as they do, and you're afraid and you want to

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Speaker 2: just like, you know, distract the dog or even I

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Speaker 2: think he was trying to prove a point to her

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Speaker 2: that if your dog's not on a leash, then cool,

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Speaker 2: I'm gonna give him a retreat and he's gonna wander

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Speaker 2: over here, and then what are you gonna you know? So,

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Speaker 2: and he needs a known he's like president of some society.

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Speaker 2: He's a known launcher.

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Speaker 1: She literally chose the absolute worst worst the word I mean,

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Speaker 1: Harvard graduate. He didn't need to be a Harvard graduate.

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Speaker 1: But aren't we all just glad that I am he

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Speaker 1: shouldn't have to be. But the fact that he's literally

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Speaker 1: a Harvard graduate, he is an ex Marvel connic book

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Speaker 1: editor president, I'm like you. The fact that that even

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Speaker 1: is important, that she can look at him and be like,

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Speaker 1: let me turn on my my my fake tears, okay,

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Speaker 1: hold on, hell, I was like, what, okay, cool?

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Speaker 2: He might have had a better chance of surviving an

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Speaker 2: altercation with the police than someone like my dad, a

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Speaker 2: black bus driver, working class from Atlanta, who doesn't speak

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Speaker 2: like a Harvard graduate, but like that could easily. I

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Speaker 2: always put my dad in their shoes, and I get

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Speaker 2: so mad. I just don't understand how doing of mental leaps,

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Speaker 2: How does it go? Where does the Karen, Where does

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Speaker 2: it come from?

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Speaker 1: Why?

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Speaker 2: How do you What is it about society that has

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Speaker 2: told white women in this moment that they need to

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Speaker 2: escalate it to that level and put just for their

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Speaker 2: own safety, you know, like where where? And I'm not

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Speaker 2: trying to say that she's not responsible for her actions,

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Speaker 2: which she absolutely is. But this is a common theme.

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Speaker 2: And it's ironic because I had just I had just

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Speaker 2: watched on Facebook they had rerun this Ted talk that

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Speaker 2: Baratunde Thurston had given and he's this he's a pretty

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Speaker 2: well known writer, and he did. He gave a Ted

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Speaker 2: talk on exactly this kind of situation, why you call

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Speaker 2: the cops, and how you can change your actions and

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Speaker 2: not escalate it to that level. And what happens when

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Speaker 2: you do call the cops. It puts, you know, it

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Speaker 2: puts the person on the other side of it in

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Speaker 2: direct danger for their life. And I encourage you all

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Speaker 2: to to check out that Ted talk. But I just

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Speaker 2: watched it and I'm just like, yeah.

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Speaker 1: I mean, well yeah, I just the thing is she

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Speaker 1: knew she knew exactly what she was doing. It just

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Speaker 1: doesn't know about the internet. Yeah of course. I mean

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Speaker 1: this is a woman who I forget what she did,

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Speaker 1: but she she an educated woman with a high level

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Speaker 1: position at Franklin Templeton. I heard that, Oh my goodness, yes,

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Speaker 1: I believe so. And then they heard that so many

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Speaker 1: people were on the site today complaining that they crashed

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Speaker 1: their site, I know, Frankslin Templeton. That was like, what

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Speaker 1: in the social justice movement? Yeah, but you know, black

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Speaker 1: Sweater's undefeated. They're not just here from memes, Okay, they

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Speaker 1: are undefeated. What I was like, how did they find her?

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Speaker 1: Apparently one of the ways they were able to find

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Speaker 1: her is that I guess she hired dog walkers, right, Yeah,

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Speaker 1: dog walker turned over.

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Speaker 3: Her.

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Speaker 1: That's what happened. When you know the dog walker was

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Speaker 1: like the dog walker probably was like I know that

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Speaker 1: dog Yeah exactly, you know, but yeah, it's just that yeah,

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Speaker 1: and she's like her life is ruined. But I'm like, yeah,

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Speaker 1: but what, here's the thing. What was your intention was

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Speaker 1: it to ruin his? Look what you know, like crime

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Speaker 1: me a river? If you would have won, if you

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Speaker 1: would have if he would have recorded you, and they

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Speaker 1: would have come and roughed him up, Like what was

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Speaker 1: your actual intention? And now that literally you dug this

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Speaker 1: grave for this man and you fell in it. Now

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Speaker 1: it's like help, No, I honestly don't feel pity for her.

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Speaker 1: Where are the thing?

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Speaker 2: And hopefully in white women tears, Yeah, that's always what

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Speaker 2: comes next, because it's a tearful apology, you know, distract

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Speaker 2: us from the fact that you know, look all innocent

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Speaker 2: and I'm just a woman, and you know I never

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Speaker 2: met any harm. What doesn't matter. You picked up a

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Speaker 2: load the gun almost And that's the sad truth. And

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Speaker 2: she's the way that she said it just leads me

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Speaker 2: to believe that not only does she is she aware

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Speaker 2: of these situations as they happen and the danger that

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Speaker 2: it poses to to people of color, not just African Americans,

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Speaker 2: but especially African Americans, but she she knew that because

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Speaker 2: the way that she said it told me that she

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Speaker 2: knew what she was doing was extra dangerous for him

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Speaker 2: as an African American.

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Speaker 1: Look at the past.

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Speaker 2: That's like attempted assault or something, and you need to

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Speaker 2: start the police needs to push press charges at a minimum,

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Speaker 2: because she could have endangered his life. You know, he

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Speaker 2: might have been reaching for dog treats and someone would

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Speaker 2: have thought it was a gun.

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Speaker 1: Exactly. It's absolutely heartbreaking.

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Speaker 2: But I'm glad in this case, and I'm glad in

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Speaker 2: this instance it ended up on the right side. At least,

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Speaker 2: you know, no wrong, no harm came to him and she,

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Speaker 2: you know, I don't wish anyone ill, but at least she,

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Speaker 2: you know, wasn't rewarded for her ignorance.

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Speaker 1: Exactly.

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Speaker 2: I don't want someone to lose her job like that.

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Speaker 2: You can debate whether that's what she deserved or not,

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Speaker 2: but I would rather she was arrested for attempted assault

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Speaker 2: or something like that based on how she how she

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Speaker 2: threatened him.

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Speaker 1: I would like to add that to that. Yeah, please,

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Speaker 1: I would like to add that on top of the

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Speaker 1: and it's okay.

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Speaker 2: So I live in the suburbs of New York City,

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Speaker 2: about thirty minutes outside of New York City, So I

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Speaker 2: ride the commuter train and to work. I mean I

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Speaker 2: used to when months ago, when that used to happen.

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Speaker 2: People rode trains to work or went to work at all.

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Speaker 2: And this is the kind of like the number of

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Speaker 2: times like let you make a one make let you

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Speaker 2: sneeze in the quiet car, just I dare you to

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Speaker 2: sneeze in the quiet car on the way to work

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Speaker 2: on the commuter trail, the Metro North, because there are

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Speaker 2: it's full of Karen's. And what's the male equivalent of Karen?

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Speaker 2: Did we say Keith? It's full of it can be

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Speaker 2: Keith for us, because that's your neighbor. And if you

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Speaker 2: don't know what we're talking about, go last week listen

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Speaker 2: to the show. It is full of Keith's and Karen

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Speaker 2: who loved to who loved to correct one another. Sir,

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Speaker 2: it's the quiet car, Sir, ma'am, it's the quiet car.

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Speaker 2: And I've seen people like snip at each other like that,

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Speaker 2: white people snipping at white people for breaking the rule

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Speaker 2: in that way, and they, you know, they get very

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Speaker 2: excited about being able to call someone out. But the

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Speaker 2: difference is like, how dare he be a black man

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Speaker 2: and do the same thing that I'm sure you know

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Speaker 2: every like I'm sure she would have done in that situation,

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Speaker 2: And That's what it's about. It's not it's not that

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Speaker 2: you know, it's whether or not he was wrong or right.

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Speaker 2: It's the fact that he has the balls, he has

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Speaker 2: the audacity to come to her, a white woman, and

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Speaker 2: try to correct her, because that is not acceptable. But

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Speaker 2: it's perfectly fine every day on the train, and and

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Speaker 2: I know one day on the train, I'm sure if

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Speaker 2: there's well, the train that I ride is not super diverse,

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Speaker 2: but I'm sure if it was that situation and there

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Speaker 2: was you know, a Keith or Karen and then Christian

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Speaker 2: Cooper on the train and he, you know, he had

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Speaker 2: the audacity to try and correct them, it might have

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Speaker 2: happened on that train too. It's it's a problem that

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Speaker 2: I don't know how to solve it.

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Speaker 1: It needs to be a crist Yeah. This, thank god

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Speaker 1: for just video and thank god that he you know

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Speaker 1: that Christian kept his his wits about him. And thank

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Speaker 1: god for christian sister because she posted it on Twitter.

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Speaker 1: Oh she did, okay mm hm, because he was he

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Speaker 1: didn't think he's like, honestly, it's from what I'm reading,

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Speaker 1: it didn't seem like he thought much of it because

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Speaker 1: it didn't end poorly. But I guess he showed his sister.

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Speaker 1: She said, Oh, we're not going to do is you know?

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Speaker 1: She said, let me get my homies on Twitter. Twitter,

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Speaker 1: there's there's nothing but space, time and opportunity on Twitter.

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Speaker 1: Black Twitter is like we've been home all day. Oh oh,

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Speaker 1: there's a mystery that needs to be solved.

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Speaker 2: Right, nothing but time to to scroll into to reach

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Speaker 2: tweet and h a damn bird water?

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Speaker 1: Could he be doing anything lessing?

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Speaker 2: Not that he needed to, but like, but could he

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Speaker 2: be doing anything more innocent and adorable damn birds?

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Speaker 1: Oh yeah, trying to find out you already know, which

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Speaker 1: is so crazy because you already know. They try to

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Speaker 1: do some digging, like maybe he maybe he'd sells drug

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Speaker 1: something that we can make.

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Speaker 4: It like Harvard graduate. No, actually, no, Marvel comic editor.

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Speaker 2: No speeding tickets, parking tickets. It's pathetic. He should he

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Speaker 2: should have been able to be an ex convict, like

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Speaker 2: you know, I don't know just out he shouldn't. He

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Speaker 2: should be able to be any damn person.

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Speaker 3: You know.

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Speaker 2: He shouldn't be able to be anyone and just mind

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Speaker 2: his own business and not fear for his life in

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Speaker 2: that way. It's it's sad.

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Speaker 1: Very very sold, so random random twists. I don't know,

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Speaker 1: I was, I have to It was just before we

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Speaker 1: got on too, I was like, looking at like my

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Speaker 1: mortgage papers that I have to sign. Do you think

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Speaker 1: a mortgage crisis is looming? You know? Our last procession

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Speaker 1: was kind of triggered by bad loans made prior to

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Speaker 1: two thousand and eight, two thousand and nine, I y'all know,

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Speaker 1: for most of y'all, you know, I lost my home

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Speaker 1: during that time, my first my first home, a condo.

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Speaker 1: But I was just thinking about that as I was like,

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Speaker 1: you know, looking at the three five papers and getting

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Speaker 1: ready to sign, and I was thinking to myself, like

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Speaker 1: I was reading some statistics where I think it was

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Speaker 1: something like like eight percent of homeowners right now, you know,

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Speaker 1: or in forbearance, you know, like because three fourths of

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Speaker 1: homes are government back to mortgages right through fourths of

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Speaker 1: homes now people folks who have homes have government back mortgages.

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Speaker 1: And y'all know, luvia the Cares Act, that that these

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Speaker 1: mortgages are available for forbearans, and that the government's like

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Speaker 1: up to six months you don't have to pay. There's

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Speaker 1: still the interest is still running.

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Speaker 2: And you're going to owe that money in six months.

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Speaker 2: We don't understand about four barons.

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Speaker 1: Yes, well, I will say too, because one of my

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Speaker 1: friends like came to the loan right like let you

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Speaker 1: and also yes and there, but there's some loopholes. To

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Speaker 1: my friend Mikayla, who's an attorney, has been like studying it.

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Speaker 1: She and I were just talking about it and she

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Speaker 1: was like, girl, like, you know, there's ways. Basically, if

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Speaker 1: you don't have it to pay, the bank is not

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Speaker 1: supposed to force you to pay. They're supposed to be

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Speaker 1: able to offer you another six months and even then

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Speaker 1: they're supposed to work out some other reasonable payment plan.

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Speaker 1: But she said she doubts the banks. You know, banks

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Speaker 1: obviously are not going to be the people to tell

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Speaker 1: folks all the rules that are inside the CARES Act. Actually,

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Speaker 1: Mikayla's working on creating some like really easy to understand

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Speaker 1: and kind of like checklists so folks when they're approaching

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Speaker 1: their bank can intelligently ask the bank for what they're

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Speaker 1: owed via the care sect. But either way, so there

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Speaker 1: are a lot of people who can't afford their mortgage

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Speaker 1: and they're not losing their homes now because they've opted

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Speaker 1: for forbearance, So then what happened? I was just thinking them.

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Speaker 1: You know, there's so many facets to this pending and

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Speaker 1: looming recession, right it's like COVID, Oh my gosh, the market,

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Speaker 1: what's gonna happen there? And now it's like, wait, so

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Speaker 1: all this money that's being printed, what happens when that stops?

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Speaker 1: And now, you know, mortgages, like what happens when people

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Speaker 1: can't afford their mortgages anymore? And six months from now,

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Speaker 1: twelve months from now? So I just was thinking about that, like,

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Speaker 1: you know, because as it is right now, it seems

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Speaker 1: like housing prices are staying steady because you know, me,

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Speaker 1: I was looking for investment opportunities. So that's why I've

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Speaker 1: just been nerding out, like huh, but housing prices are

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Speaker 1: staying steady. There was the demand for homes actually has

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Speaker 1: not subsided because folks couldn't go out the last month

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Speaker 1: some change, and so now those folks who weren't able

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Speaker 1: to go out to find homes are like, oh, finally

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Speaker 1: the country's open back a little bit. So we are

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Speaker 1: not seeing really a drop in home purchases. Folks who

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Speaker 1: could wait are like, Okay, I won't all wait to

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Speaker 1: put my home on the market, so those who felt

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Speaker 1: like they really had to sell. Basically, the market's not

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Speaker 1: flooded with homes. It's still basically a seller's market. I

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Speaker 1: say all that to say, but it's not always going

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Speaker 1: to be. So I'm just curious what you think about

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Speaker 1: price a potential mortgage crisis looming.

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Speaker 2: Oh, thank you for asking me. I have a lot

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Speaker 2: of fie feel very like, thank you for trusting me

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Speaker 2: with this answer, with the caveat that I'm not a

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Speaker 2: mortgage economist or any kind of economist, but it's funny.

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Speaker 2: I will add to the list of reasons people are

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Speaker 2: still buying homes out there is not a lot of

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Speaker 2: Like I was just talking to a friend yesterday and

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Speaker 2: she said that a good friend of hers they have

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Speaker 2: sped up there. They live in a two bedroom apartment

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Speaker 2: in Brooklyn, and they were like, we need to get

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Speaker 2: a home, We need to get out of here because

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Speaker 2: they have a four year old. Then they're married and

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Speaker 2: they're driving each other crazy, and so they like, all

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Speaker 2: of a sudden, it was like, we think we're going

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Speaker 2: to buy and then boom, they had bought a to

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Speaker 2: get the f out and get more space. Do I

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Speaker 2: think there's going to be a mortgage crisis. I really

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Speaker 2: hope not, and I think that one is a lot

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Speaker 2: of things are different. It's ten years since the Great Recession,

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Speaker 2: and there were, thanks to the Dodd Frank Act, a

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Speaker 2: lot of regulations put in place to make mortgage lending

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Speaker 2: a lot safer for consumers and to make sure that

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Speaker 2: consumers aren't able to take on mortgage debt that is

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Speaker 2: outrageous that they could not afford with their household income.

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Speaker 2: That being said, obviously, anytime, what's the unemployment rate right now?

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Speaker 2: Like a million percent? I don't know, great depression levels, yes,

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Speaker 2: over great depression. Yes, millions and millions of people are

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Speaker 2: out of their jobs, including like my dad, who's still

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Speaker 2: out of work. The way that he's making his mortgage

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Speaker 2: payments or thanks to unemployment benefits and his extra how

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Speaker 2: much do they give an extra six hundred bucks on

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Speaker 2: top of your unemployment benefit through the Cares Act or

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Speaker 2: through the legislation that Congress passed that's going to expire

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Speaker 2: at the end of July. I believe that extra six

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Speaker 2: hundred dollars payment and his unemployment benefits should last through

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Speaker 2: the end of the year, I believe. Now what's scary

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Speaker 2: is if the government does not step in and continue

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Speaker 2: to provide this type of funding so long as people

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Speaker 2: are out of work. Now that's a different story depending

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Speaker 2: on what zip code you know. At this point, it's

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Speaker 2: like by zip code, the story is very different. If

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Speaker 2: some places are reopening and businesses are getting back back

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Speaker 2: to you know, levels pre COVID, and people are using

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Speaker 2: services and paying for services again, and people are able

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Speaker 2: to get back into the workforce. Maybe in that zip

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Speaker 2: code you don't have people falling behind their mortgages and

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Speaker 2: struggling to keep up and getting foreclosed on. And maybe

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Speaker 2: in other zip codes that are harder hit where people

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Speaker 2: are not able to get back to work as quickly.

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Speaker 2: And we're we're getting past July thirty first, when the

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Speaker 2: extra six hundred dollars has gone from unemployment benefits and

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Speaker 2: we're getting you know, unemployment benefits are expiring and people

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Speaker 2: aren't able to keep qualifying for them, maxing them out

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Speaker 2: and whatnot. Now that's scary to me. And there's not

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Speaker 2: going to be a vaccine until twenty twenty one at

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Speaker 2: the very earliest. It seems like from what all sources

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Speaker 2: are saying the sources that I read anyway, the scientific ones,

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Speaker 2: So I don't know, but I do think it is

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Speaker 2: a super local story. I think your zip code will

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Speaker 2: dictate when you reopen, what that looks like, how quickly

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Speaker 2: people will want to start using services, spending money again,

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Speaker 2: getting back out there. And that's going to directly translate

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Speaker 2: into how businesses do whether they're hiring people back, and

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Speaker 2: when they hire you back, are you working the same hours,

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Speaker 2: are you getting the same pay, do you have a

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Speaker 2: salary cut? There's a million different things. One thing that

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Speaker 2: I know for certain is without more action from our

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Speaker 2: elected officials, I am really worried about what it looks

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Speaker 2: like after July or through the end of the year

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Speaker 2: for people who are on the brink of financial insecurity

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Speaker 2: and really need those benefits to get them by. It's

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Speaker 2: through no fault of their own that they're out of work, right,

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Speaker 2: and that is why Congress approved that jillion dollar stimulus package,

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Speaker 2: and as far as I know, they haven't approved another one.

432
00:20:54,680 --> 00:20:58,000
Speaker 2: They can't agree. Republicans are now pretty much saying, oh,

433
00:20:58,040 --> 00:21:00,199
Speaker 2: that was a one time thing. Now we need to

434
00:21:00,320 --> 00:21:02,240
Speaker 2: take a deep breath, and we're not going to be

435
00:21:02,280 --> 00:21:04,440
Speaker 2: cutting any more checks for the near future, and Democrats

436
00:21:04,480 --> 00:21:07,440
Speaker 2: are pushing them to provide more stimulus funding, and they're

437
00:21:07,520 --> 00:21:10,239
Speaker 2: kind of at an inpast right now. Something like that

438
00:21:10,320 --> 00:21:12,760
Speaker 2: is going to need to happen because and again this

439
00:21:12,880 --> 00:21:15,240
Speaker 2: is like at a local level and many parts of

440
00:21:15,280 --> 00:21:17,400
Speaker 2: the country it's going to be a long time before

441
00:21:17,440 --> 00:21:19,679
Speaker 2: they get back to business as usual. And maybe in

442
00:21:19,720 --> 00:21:22,639
Speaker 2: other parts of the country they're fine, you know, and

443
00:21:22,720 --> 00:21:24,840
Speaker 2: they're like I saw a picture of people at a

444
00:21:25,000 --> 00:21:27,120
Speaker 2: pool party over the weekend, which is kind of terrifying. Yes,

445
00:21:27,320 --> 00:21:30,000
Speaker 2: some parts of the country are feeling real good about themselves,

446
00:21:30,000 --> 00:21:32,840
Speaker 2: feeling real their immune systems are popping apparently, and like

447
00:21:32,960 --> 00:21:34,960
Speaker 2: they're back out there in the world. There's other parts

448
00:21:35,000 --> 00:21:38,040
Speaker 2: like New York where we still you know, I still

449
00:21:38,080 --> 00:21:40,800
Speaker 2: am not sure when you know, Reel will ever see

450
00:21:40,800 --> 00:21:43,399
Speaker 2: his grandparents who lived thirty minutes away. I know, it's

451
00:21:43,400 --> 00:21:45,960
Speaker 2: a very long winded answer, but it's not going to be.

452
00:21:46,160 --> 00:21:49,960
Speaker 2: I don't think it'll be a nationwide widespread mortgage crisis

453
00:21:50,000 --> 00:21:52,399
Speaker 2: like we had an eight and it's very different reasons

454
00:21:52,440 --> 00:21:54,840
Speaker 2: why it would be today. It would be because people

455
00:21:54,880 --> 00:21:57,280
Speaker 2: are not able to get back to work because Congress

456
00:21:57,280 --> 00:22:01,000
Speaker 2: does not act to give people funding or forced banks

457
00:22:01,320 --> 00:22:04,400
Speaker 2: and lenders to get people a break for longer. How

458
00:22:04,440 --> 00:22:06,480
Speaker 2: long can you tell a bank you're not allowed to

459
00:22:06,480 --> 00:22:09,200
Speaker 2: foreclose on people who are in for Baron's programs.

460
00:22:09,240 --> 00:22:09,679
Speaker 1: I don't know.

461
00:22:09,800 --> 00:22:15,480
Speaker 2: It's so unprecedented. But without yeah, without action from Congress, sure,

462
00:22:15,600 --> 00:22:17,800
Speaker 2: but I don't think it'll be a mortgage crisis on

463
00:22:17,840 --> 00:22:19,560
Speaker 2: the I think it'll be, like I said, at a

464
00:22:19,600 --> 00:22:22,520
Speaker 2: local level, very different from one zip code to the next. Yeah.

465
00:22:22,560 --> 00:22:25,400
Speaker 1: And also too with these low, super super low interest rates,

466
00:22:25,400 --> 00:22:28,439
Speaker 1: these are like unheard of. So people are like, uh,

467
00:22:28,480 --> 00:22:30,680
Speaker 1: because people keep asking me should I buy a house? Altivey,

468
00:22:30,720 --> 00:22:35,240
Speaker 1: and I'm like, you know, well, we find abs so frequently,

469
00:22:35,359 --> 00:22:37,560
Speaker 1: Like I'm honestly on the fence about buying a house.

470
00:22:37,560 --> 00:22:40,879
Speaker 1: It all depends. But I feel like if your interests

471
00:22:40,960 --> 00:22:42,800
Speaker 1: like most of my friends, they bought homes, a lot

472
00:22:42,840 --> 00:22:44,280
Speaker 1: of most but a lot of my friends bought homes,

473
00:22:44,320 --> 00:22:46,520
Speaker 1: I would say the less two or three years, so

474
00:22:46,640 --> 00:22:48,400
Speaker 1: like two three years ago, you were looking at interest

475
00:22:48,480 --> 00:22:51,360
Speaker 1: rates to like five percent and five four point three

476
00:22:52,200 --> 00:22:57,040
Speaker 1: four point three four point which is like, so, I know,

477
00:22:57,480 --> 00:23:01,360
Speaker 1: but if you have an interest rate of over right

478
00:23:01,400 --> 00:23:03,359
Speaker 1: now interest rates, I mean It all depends obviously on

479
00:23:03,600 --> 00:23:07,920
Speaker 1: a narrative of things. But they're looking at interest rates

480
00:23:07,960 --> 00:23:10,520
Speaker 1: in the under three point five percent, depending on what

481
00:23:10,560 --> 00:23:12,520
Speaker 1: your credit score looks like, and YadA, YadA, YadA, all

482
00:23:12,560 --> 00:23:15,600
Speaker 1: these other things. But like, that's you're gonna a friend

483
00:23:15,600 --> 00:23:17,959
Speaker 1: of mine, I want to say, her interest rate was

484
00:23:18,920 --> 00:23:21,719
Speaker 1: like five point six or something like that, and now

485
00:23:21,800 --> 00:23:26,440
Speaker 1: her her interest rate is three point you know something

486
00:23:26,560 --> 00:23:29,280
Speaker 1: five or something like that, and she's saving four hundred

487
00:23:29,320 --> 00:23:31,160
Speaker 1: bucks a month on her mortgage. That's a good amount

488
00:23:31,200 --> 00:23:35,400
Speaker 1: of money. So abs so freaking lowly. I would if I,

489
00:23:35,440 --> 00:23:37,520
Speaker 1: you know, if I'm on the fence about where you

490
00:23:37,640 --> 00:23:39,600
Speaker 1: to buy a house right now, because I would love

491
00:23:39,640 --> 00:23:41,399
Speaker 1: for people to lock in an amazing interest rate. But

492
00:23:41,440 --> 00:23:43,240
Speaker 1: at the same time, I'm like, I knew Dad, knew Dad.

493
00:23:43,240 --> 00:23:45,440
Speaker 1: I'm not sure during times like these, but I do

494
00:23:45,480 --> 00:23:48,760
Speaker 1: believe that, Like, if you can refinance and save five six,

495
00:23:49,359 --> 00:23:52,120
Speaker 1: you know, six hundred plus dollars a month, I think

496
00:23:52,160 --> 00:23:52,840
Speaker 1: that's a good thing.

497
00:23:53,119 --> 00:23:55,520
Speaker 2: I love a good refined calculator, and we happen to

498
00:23:55,560 --> 00:23:57,119
Speaker 2: have one at lending Tree, so I'll put one in

499
00:23:57,160 --> 00:23:59,600
Speaker 2: the show notes for you guys. Refinance. I've been playing

500
00:23:59,600 --> 00:24:01,760
Speaker 2: putting our numbers in the REFI calculator a lot and

501
00:24:01,840 --> 00:24:04,440
Speaker 2: just playing around with them. Two points off your mortgage,

502
00:24:04,440 --> 00:24:07,480
Speaker 2: that's huge for sure. My whole thing is I don't

503
00:24:07,480 --> 00:24:09,040
Speaker 2: want to have to get you do have to pay

504
00:24:09,040 --> 00:24:11,000
Speaker 2: closing costs because you're getting a new loan, and I

505
00:24:11,720 --> 00:24:13,880
Speaker 2: would want to see are they allowing you to roll

506
00:24:13,920 --> 00:24:16,520
Speaker 2: those closing costs into your loan so that you don't

507
00:24:16,520 --> 00:24:19,240
Speaker 2: have to pay upfront, and like how that would affect

508
00:24:19,280 --> 00:24:22,480
Speaker 2: the mass because if I couldn't do that, I probably wouldn't,

509
00:24:22,600 --> 00:24:25,719
Speaker 2: you know, refinite, because I don't think the upfront costs

510
00:24:25,720 --> 00:24:27,879
Speaker 2: would be worth how much we would save, because I

511
00:24:27,880 --> 00:24:29,000
Speaker 2: don't think we're going to be in this house for

512
00:24:29,040 --> 00:24:31,600
Speaker 2: a full thirty years. A lot of times when you

513
00:24:31,640 --> 00:24:33,760
Speaker 2: do the calculations. If we're guilty of this too in

514
00:24:33,800 --> 00:24:36,399
Speaker 2: our content, is we can We'll say, you know, you

515
00:24:36,440 --> 00:24:39,159
Speaker 2: can save twenty five thousand dollars over the lifetime of

516
00:24:39,160 --> 00:24:41,520
Speaker 2: your mortgage if you refinance, but are you going to

517
00:24:41,560 --> 00:24:44,480
Speaker 2: stay in the house for thirty years you need? And

518
00:24:44,520 --> 00:24:46,920
Speaker 2: also it doesn't take into account how much of you already,

519
00:24:47,000 --> 00:24:49,000
Speaker 2: like how much equity do you have in the house now?

520
00:24:49,040 --> 00:24:53,800
Speaker 2: And it's a little complicated. I might just on top

521
00:24:53,840 --> 00:24:56,280
Speaker 2: of using the calculator. I almost want to say, also,

522
00:24:56,320 --> 00:24:59,040
Speaker 2: if you call a loan officer or lender and have

523
00:24:59,160 --> 00:25:01,679
Speaker 2: them like they want to sell you, they want you

524
00:25:01,720 --> 00:25:03,320
Speaker 2: to take a lot alone with them, maybe they'll do

525
00:25:03,359 --> 00:25:06,640
Speaker 2: the calculations for you, make the math a little bit easier,

526
00:25:07,560 --> 00:25:09,280
Speaker 2: you know, with no pressure for you to actually take

527
00:25:09,280 --> 00:25:13,800
Speaker 2: out the product. But I I'm a procrastinator, and I

528
00:25:13,880 --> 00:25:15,840
Speaker 2: was kind of using the fact that things were so

529
00:25:15,920 --> 00:25:18,359
Speaker 2: crazy at work and with COVID as an excuse to

530
00:25:18,440 --> 00:25:21,520
Speaker 2: just let this REFI opportunity slip by, because, like I said,

531
00:25:21,560 --> 00:25:24,080
Speaker 2: we maybe be saving a point or whatever, but the

532
00:25:24,160 --> 00:25:26,359
Speaker 2: raids just keep going down, and I'm like, damn, I

533
00:25:26,400 --> 00:25:28,320
Speaker 2: know I got some free time. Maybe I should look

534
00:25:28,359 --> 00:25:31,600
Speaker 2: into this. I know I'm not gonna lie. I'm like, wait, okay, wait, wait,

535
00:25:31,640 --> 00:25:32,280
Speaker 2: do I sign now?

536
00:25:32,320 --> 00:25:36,000
Speaker 1: Do I wait? It's just honestly, if they do financial double,

537
00:25:36,280 --> 00:25:39,320
Speaker 1: help me love it. I know that's exactly what I'm feeling.

538
00:25:39,400 --> 00:25:39,480
Speaker 2: Like.

539
00:25:39,560 --> 00:25:42,960
Speaker 1: If they imagine if the ways were like two point five,

540
00:25:43,000 --> 00:25:45,840
Speaker 1: that's like insane. That's basically like kiss some free money.

541
00:25:45,880 --> 00:25:50,119
Speaker 1: Financial Double. We shall copyright A memoir by Mandy Woodroff,

542
00:25:50,920 --> 00:25:52,800
Speaker 1: We shall see. I would honestly if it dropped out

543
00:25:52,800 --> 00:25:54,320
Speaker 1: to like one, I would definitely.

544
00:25:54,000 --> 00:25:57,520
Speaker 2: By Nandy Woodriff financial double Dutch and on the stage

545
00:25:57,680 --> 00:25:59,800
Speaker 2: is no, I'm kidding but not kidding. Did I just

546
00:25:59,800 --> 00:26:02,040
Speaker 2: have a million dollar idea right now?

547
00:26:03,440 --> 00:26:05,680
Speaker 1: But it just stays double us. Especially Oh, I think

548
00:26:05,720 --> 00:26:06,280
Speaker 1: she's gonna go in.

549
00:26:06,440 --> 00:26:09,280
Speaker 2: She's going it every and you know what people want

550
00:26:09,320 --> 00:26:11,480
Speaker 2: to tell you, that's what That's what everyone's asking. The

551
00:26:11,480 --> 00:26:13,760
Speaker 2: budget needs to for Tiffany. When do I jump? When

552
00:26:13,760 --> 00:26:15,920
Speaker 2: do I get in there? It's it seems like everyone's

553
00:26:15,960 --> 00:26:18,240
Speaker 2: winning the game of double Dutch, but when I jump in,

554
00:26:18,280 --> 00:26:21,120
Speaker 2: I'm gonna get tangled up in the ropes. That's it's

555
00:26:21,240 --> 00:26:26,479
Speaker 2: so fun and hard to hard to predict. But good question.

556
00:26:27,000 --> 00:26:31,400
Speaker 2: I'm glad I got this whole house situation done when

557
00:26:31,400 --> 00:26:33,720
Speaker 2: I did and got out of the city for sure,

558
00:26:34,119 --> 00:26:37,240
Speaker 2: for sure, because if I were buying or selling right now,

559
00:26:37,960 --> 00:26:39,800
Speaker 2: I'm glad to hear that the markets. I think it's

560
00:26:39,840 --> 00:26:41,720
Speaker 2: also a local story, but I'm glad to hear that

561
00:26:42,119 --> 00:26:45,000
Speaker 2: things are relatively stable if you're still but also.

562
00:26:44,760 --> 00:26:46,879
Speaker 1: Too like it's not like stocks. People, don't you know,

563
00:26:46,960 --> 00:26:49,080
Speaker 1: It's not like how it is with with stocks. Right,

564
00:26:49,080 --> 00:26:51,400
Speaker 1: one day the stock you know, don't's gonna be down

565
00:26:51,359 --> 00:26:53,879
Speaker 1: one hundred points, three hundred points. That's not how it

566
00:26:53,920 --> 00:26:56,800
Speaker 1: is with the with with the housing market. It's not like,

567
00:26:56,800 --> 00:26:58,800
Speaker 1: oh my gosh, my house was worth three hundred thousand,

568
00:26:58,880 --> 00:27:01,399
Speaker 1: now it's worth two hundred thousand in one day. That

569
00:27:01,600 --> 00:27:04,760
Speaker 1: it tends to move more slowly, like when you know

570
00:27:04,840 --> 00:27:07,240
Speaker 1: when in two thousand and eight, two thousand and nine,

571
00:27:07,440 --> 00:27:10,399
Speaker 1: two thousand and nine was not when the housing market

572
00:27:10,480 --> 00:27:13,280
Speaker 1: actually reached its bottom, it was like two thousand and

573
00:27:13,520 --> 00:27:16,600
Speaker 1: ten eleven. So it tends to trail a year or

574
00:27:16,640 --> 00:27:21,000
Speaker 1: two behind. So as the economy, if the economy does

575
00:27:21,040 --> 00:27:24,120
Speaker 1: poorly and crashes and burns and whatever, then you see

576
00:27:24,119 --> 00:27:26,680
Speaker 1: the housing market comes after that, Like the decline of

577
00:27:26,720 --> 00:27:29,119
Speaker 1: the housing market comes after that, because it just takes

578
00:27:29,160 --> 00:27:33,639
Speaker 1: time for homes an't go up and down that quickly.

579
00:27:34,000 --> 00:27:36,080
Speaker 1: So yeah, so like you know, basically we'll see I

580
00:27:36,119 --> 00:27:40,560
Speaker 1: tell people I would I'm not I wouldn't not not

581
00:27:40,720 --> 00:27:43,119
Speaker 1: get a home because I could take advantage of low interest,

582
00:27:43,160 --> 00:27:45,560
Speaker 1: but I would just be really mindful about getting a

583
00:27:45,600 --> 00:27:47,359
Speaker 1: good deal. So I would hate for you to buy

584
00:27:47,440 --> 00:27:49,399
Speaker 1: at the top of a market. There's no way to

585
00:27:49,440 --> 00:27:51,040
Speaker 1: know if we're at the top of the market until

586
00:27:51,119 --> 00:27:53,720
Speaker 1: the market has already passed. That's the bad part because

587
00:27:53,760 --> 00:27:56,120
Speaker 1: I bought my home, my first home, at the top

588
00:27:56,160 --> 00:27:58,560
Speaker 1: of the market. It was like at peak, and then

589
00:27:58,600 --> 00:28:01,679
Speaker 1: it just declined from there. So I don't know. I

590
00:28:01,680 --> 00:28:03,919
Speaker 1: feel like if you're gonna at the end of the day,

591
00:28:03,920 --> 00:28:07,959
Speaker 1: if you're you have to actively be an investor with

592
00:28:08,000 --> 00:28:11,000
Speaker 1: our with our finances, like really looking at our neighborhood,

593
00:28:11,240 --> 00:28:12,960
Speaker 1: or you know, our price is really growing up. Is

594
00:28:12,960 --> 00:28:15,560
Speaker 1: this a solid neighborhood. Is this is a neighborhood that

595
00:28:15,680 --> 00:28:19,440
Speaker 1: either like a Westfield where like the prices have stayed

596
00:28:19,440 --> 00:28:21,960
Speaker 1: steady up down in between. Or is this like a

597
00:28:22,000 --> 00:28:25,600
Speaker 1: neighborhood that has seen huge growth because maybe it's right

598
00:28:25,600 --> 00:28:27,679
Speaker 1: outside of a major city and it's like, you know,

599
00:28:27,720 --> 00:28:30,040
Speaker 1: people can't afford the major city anymore. Or is this

600
00:28:30,080 --> 00:28:32,360
Speaker 1: a neighborhood that's kind of tapped. You know, folks are

601
00:28:32,359 --> 00:28:35,040
Speaker 1: saying like it's gonna be neighborhoods quite honestly, like New

602
00:28:35,119 --> 00:28:38,880
Speaker 1: York that are going to like well, like like the

603
00:28:38,920 --> 00:28:41,520
Speaker 1: city city, like you know, mid tad Manhattan where these

604
00:28:41,640 --> 00:28:44,320
Speaker 1: huge you know, twenty million dollars thirty million dollars, like

605
00:28:44,840 --> 00:28:47,520
Speaker 1: are people going to be buying those to live in

606
00:28:47,520 --> 00:28:51,240
Speaker 1: a city where they're afraid? Quite honestly, so time will.

607
00:28:51,040 --> 00:28:53,240
Speaker 2: So am I allowed to put myself on the back

608
00:28:53,280 --> 00:28:56,120
Speaker 2: for non touching my four oh one k because looking

609
00:28:56,200 --> 00:28:58,520
Speaker 2: at my I love the balance chart where it shows

610
00:28:58,520 --> 00:29:02,000
Speaker 2: you up and down how accounts done, and it's basickly

611
00:29:02,040 --> 00:29:04,600
Speaker 2: there was a huge dip, but it's basically almost back.

612
00:29:05,640 --> 00:29:07,320
Speaker 2: I think what was the most I was down over

613
00:29:07,440 --> 00:29:09,640
Speaker 2: twenty five percent or something. Now at around like eight

614
00:29:09,760 --> 00:29:13,720
Speaker 2: nine percent down, I'm good. I increased my contribution way

615
00:29:13,760 --> 00:29:17,240
Speaker 2: back when, and I'm feeling good. I'm checking it because

616
00:29:17,240 --> 00:29:21,040
Speaker 2: I trust myself not to do anything. But it's just

617
00:29:21,080 --> 00:29:25,880
Speaker 2: another example that when the market goes down, it has

618
00:29:25,920 --> 00:29:30,640
Speaker 2: a way of bouncing back, especially in times like this. Yeah,

619
00:29:30,680 --> 00:29:35,280
Speaker 2: so yeah, I feel okay at least in that regard.

620
00:29:35,440 --> 00:29:38,320
Speaker 2: Now you, missy, you're doing a cash out refib right,

621
00:29:38,360 --> 00:29:40,320
Speaker 2: and tell me again you're using the cash out part

622
00:29:40,440 --> 00:29:44,280
Speaker 2: to invest in a property. Yes, we have for folks

623
00:29:44,280 --> 00:29:46,600
Speaker 2: who were like, yeah refinancing.

624
00:29:46,240 --> 00:29:49,160
Speaker 1: Mm hm hm. So so yeah, we're gonna we bought

625
00:29:49,160 --> 00:29:51,000
Speaker 1: a second property. You know, we bought it for ten

626
00:29:51,040 --> 00:29:54,680
Speaker 1: thousand dollars. It's a total piece of junk. But we

627
00:29:54,680 --> 00:29:56,640
Speaker 1: were going to completely tear down and put up a

628
00:29:56,680 --> 00:29:59,640
Speaker 1: two family house. But honestly, the price of that, of

629
00:30:00,000 --> 00:30:02,000
Speaker 1: what they would cost because of the utilities and all

630
00:30:02,000 --> 00:30:04,320
Speaker 1: these other things like the prices, that was going to

631
00:30:04,360 --> 00:30:07,640
Speaker 1: cost more than what the house would be worth. I

632
00:30:07,640 --> 00:30:09,680
Speaker 1: think it was like almost five hundred thousand dollars to

633
00:30:09,720 --> 00:30:13,680
Speaker 1: tear it all down to move everything, because the we'd

634
00:30:13,680 --> 00:30:15,960
Speaker 1: have to totally do a new foundation because we wanted

635
00:30:15,960 --> 00:30:17,720
Speaker 1: to move the house back. But I was like five

636
00:30:17,800 --> 00:30:22,240
Speaker 1: hundred thousand that two family houses in that area only

637
00:30:22,280 --> 00:30:25,840
Speaker 1: go for not even four hundred thousand, so it's like, well,

638
00:30:25,840 --> 00:30:27,960
Speaker 1: that doesn't make sense. So we were like, well, what

639
00:30:28,000 --> 00:30:30,239
Speaker 1: if we just build an existing two family on the

640
00:30:30,280 --> 00:30:33,760
Speaker 1: actual house itself, And even that, the price just didn't

641
00:30:33,760 --> 00:30:35,280
Speaker 1: make sense. So we're like, you know, we're just gonna

642
00:30:36,040 --> 00:30:40,560
Speaker 1: renovate the existing home, and so that renovation is going

643
00:30:40,600 --> 00:30:44,920
Speaker 1: to be about one eighty and then homes one family

644
00:30:44,960 --> 00:30:47,960
Speaker 1: home in that neighborhood for that size typically go for

645
00:30:48,000 --> 00:30:50,920
Speaker 1: about two thirty, between two thirty to two fifty, So

646
00:30:50,960 --> 00:30:54,240
Speaker 1: we like, you figure one eighty for the renovation and

647
00:30:54,600 --> 00:30:56,480
Speaker 1: ten thousand dollars what we paid for, so that's one

648
00:30:56,560 --> 00:30:59,560
Speaker 1: ninety we get back max to fifty. So there's some spread.

649
00:30:59,560 --> 00:31:02,720
Speaker 1: There's like a sixty thousand dollars spread. So we're just

650
00:31:02,720 --> 00:31:04,440
Speaker 1: we're going to use the money for that because I

651
00:31:04,440 --> 00:31:07,080
Speaker 1: could pay for you know, like I could, you know,

652
00:31:07,120 --> 00:31:09,640
Speaker 1: my husband and we could pay for the house out

653
00:31:09,680 --> 00:31:12,240
Speaker 1: of pocket. But you know, I felt like I really

654
00:31:12,280 --> 00:31:14,560
Speaker 1: wanted to. I felt like the house that we're we're

655
00:31:14,560 --> 00:31:17,000
Speaker 1: living in now, I'm not taking out all the money

656
00:31:17,080 --> 00:31:19,480
Speaker 1: about maybe like sixty percent. I felt like it was

657
00:31:19,560 --> 00:31:21,680
Speaker 1: kind of like a like money sitting in a bank

658
00:31:21,720 --> 00:31:23,840
Speaker 1: account that was going unused. So I really wanted to

659
00:31:23,840 --> 00:31:27,600
Speaker 1: pull out like two fifty from this house, put you know,

660
00:31:27,880 --> 00:31:29,760
Speaker 1: some of the money toward the other house, and honestly

661
00:31:29,800 --> 00:31:33,160
Speaker 1: invest the rest. I wanted to because if the interest

662
00:31:33,280 --> 00:31:35,200
Speaker 1: rate that we because our indust rate that we got

663
00:31:35,200 --> 00:31:37,840
Speaker 1: was three point twenty five percent, you know, yeah, three

664
00:31:37,920 --> 00:31:40,920
Speaker 1: point two five percent, I know that. I mean we

665
00:31:40,960 --> 00:31:42,680
Speaker 1: could almost put that money on not these days, but

666
00:31:42,720 --> 00:31:44,600
Speaker 1: you could almost put that money, you know, a couple

667
00:31:44,600 --> 00:31:46,360
Speaker 1: of years ago in a savings account and make more.

668
00:31:46,840 --> 00:31:49,640
Speaker 1: So it was like, well, we would lose three point

669
00:31:49,640 --> 00:31:51,920
Speaker 1: two five percent as far as our interest paying interest

670
00:31:52,080 --> 00:31:54,840
Speaker 1: on them, the cash out component. But I know that

671
00:31:54,920 --> 00:31:57,680
Speaker 1: if we invest that money, we can make more than

672
00:31:57,720 --> 00:32:00,360
Speaker 1: three point two five percent. So I'd rather pay a mortgage,

673
00:32:00,560 --> 00:32:02,440
Speaker 1: a low mortgage, because we're still going to pay our

674
00:32:02,480 --> 00:32:04,320
Speaker 1: insurance out of pocket, and we're still going to pay

675
00:32:04,360 --> 00:32:06,960
Speaker 1: our taxes separately out of pocket because I want to

676
00:32:06,960 --> 00:32:08,560
Speaker 1: be able to pay off the mortgage whenever I want to.

677
00:32:09,360 --> 00:32:11,680
Speaker 1: So yeah, that's what we're doing. We're investing the money

678
00:32:11,680 --> 00:32:15,360
Speaker 1: in real estate and in the market and to help

679
00:32:15,440 --> 00:32:19,480
Speaker 1: Rush reach our ultimate financial freedom goals. So I feel

680
00:32:19,480 --> 00:32:21,720
Speaker 1: really comfortable. I think our mortgage is going to be

681
00:32:21,720 --> 00:32:24,120
Speaker 1: like twelve hundred bucks a month, so I'm like it's

682
00:32:24,160 --> 00:32:26,640
Speaker 1: more than that. We're more than comfortable enough to be

683
00:32:26,720 --> 00:32:28,840
Speaker 1: able to pay that without having to worry, because obviously

684
00:32:28,880 --> 00:32:30,560
Speaker 1: you don't want to take on new debt if you

685
00:32:30,600 --> 00:32:32,520
Speaker 1: don't have to. But I just felt like this is

686
00:32:32,520 --> 00:32:36,760
Speaker 1: one of those instances where the the the what is it?

687
00:32:36,800 --> 00:32:39,160
Speaker 1: The ends just not the the ends justify the means.

688
00:32:39,360 --> 00:32:41,360
Speaker 2: Yeah, like you're going to have the return on it's

689
00:32:41,360 --> 00:32:45,400
Speaker 2: worth the risk. Yes, yes, Oh that's fascinating. All right, Well,

690
00:32:45,400 --> 00:32:48,240
Speaker 2: thanks for giving us the lowdown again. Should we get

691
00:32:48,280 --> 00:32:52,760
Speaker 2: into some question missy please do let's say a quick break.

692
00:32:52,760 --> 00:32:55,200
Speaker 2: We will be right back after this newe from our sponsor.

693
00:33:27,600 --> 00:33:33,400
Speaker 1: It's timeful questions that Little Diddy was for Alex because

694
00:33:33,440 --> 00:33:36,560
Speaker 1: Alex said, Tiffany, I like your singing and although no, no,

695
00:33:36,600 --> 00:33:39,960
Speaker 1: you're lying, you know I appreciate it. Don't encourage I

696
00:33:40,000 --> 00:33:40,719
Speaker 1: mean encourage her.

697
00:33:41,760 --> 00:33:44,520
Speaker 2: We love your singing, we love your uterus, we love

698
00:33:44,560 --> 00:33:46,720
Speaker 2: everything about the Tiffany I gotta I got an email

699
00:33:46,760 --> 00:33:48,760
Speaker 2: with the subject line that just said uterus with like

700
00:33:48,800 --> 00:33:50,520
Speaker 2: four exclamation exclamation.

701
00:33:51,040 --> 00:33:53,520
Speaker 1: I feel bad for that lady. Now, I mean kind of,

702
00:33:53,600 --> 00:33:55,400
Speaker 1: but I'm like, I'm sure she's like, well, dang, I

703
00:33:55,400 --> 00:33:57,480
Speaker 1: didn't mean all of that, but yeah, thank you guys.

704
00:33:57,480 --> 00:33:57,640
Speaker 3: Though.

705
00:33:57,760 --> 00:33:59,400
Speaker 2: Shout out to the listener who told us that she

706
00:33:59,440 --> 00:34:01,440
Speaker 2: had a that you had her crying in her kitchen

707
00:34:02,440 --> 00:34:05,280
Speaker 2: on your behalf because she too has had struggles with

708
00:34:05,360 --> 00:34:08,840
Speaker 2: IVF and lots of messages from listeners saying that they

709
00:34:08,840 --> 00:34:11,799
Speaker 2: support you. Jeff. We love you, your uterus and all

710
00:34:11,800 --> 00:34:14,080
Speaker 2: your organs. Talk about them at length if you want to,

711
00:34:14,520 --> 00:34:16,280
Speaker 2: if you want to, there's a financial angle.

712
00:34:16,320 --> 00:34:18,520
Speaker 1: We want to know why, you know and let's talk

713
00:34:18,520 --> 00:34:19,360
Speaker 1: about gallbladers.

714
00:34:21,520 --> 00:34:24,840
Speaker 2: But in lieu of gallbladders, let's open up the mail bag.

715
00:34:24,960 --> 00:34:28,640
Speaker 2: So I'm scrolling through our email, good old Gmail. If

716
00:34:28,680 --> 00:34:30,000
Speaker 2: you guys want to leave us a question there, you

717
00:34:30,040 --> 00:34:32,280
Speaker 2: can hit us up at Brand Ambition Podcast at gmail

718
00:34:32,320 --> 00:34:35,440
Speaker 2: dot com. You can also go to our website brandambispodcast

719
00:34:35,480 --> 00:34:39,120
Speaker 2: dot com, where you can click because anything, and also

720
00:34:39,200 --> 00:34:41,240
Speaker 2: on the Gram. Yes, I am here answering your questions

721
00:34:41,320 --> 00:34:44,560
Speaker 2: or at least looking at them on Instagram. We are

722
00:34:44,600 --> 00:34:49,040
Speaker 2: at Brown Ambition Podcast on the room. All righty, let's

723
00:34:49,080 --> 00:34:53,960
Speaker 2: take one from Okay, this one has an interesting question.

724
00:34:54,080 --> 00:34:57,920
Speaker 2: So Tiffany and I were just talking about Congress potentially

725
00:34:57,960 --> 00:35:01,360
Speaker 2: releasing a second stimulus package. If you remember, oh so

726
00:35:01,440 --> 00:35:04,560
Speaker 2: many weeks ago, the first stimulus bill included a twelve

727
00:35:04,600 --> 00:35:07,359
Speaker 2: hundred dollars stimulus check twelve hundred or twenty four hundred

728
00:35:07,360 --> 00:35:10,040
Speaker 2: dollars simulus check depending on your income and things like that,

729
00:35:10,560 --> 00:35:12,480
Speaker 2: and it literally was just like here's some money in

730
00:35:12,520 --> 00:35:15,120
Speaker 2: your bank account. So here is a listener who wants

731
00:35:15,120 --> 00:35:16,960
Speaker 2: to remain anonymous, and she has a question on the

732
00:35:17,000 --> 00:35:19,680
Speaker 2: Gram about the next wave. She says, thank you guys

733
00:35:19,680 --> 00:35:22,800
Speaker 2: for giving such beneficial information I've been able to renegotiate

734
00:35:22,840 --> 00:35:25,680
Speaker 2: some high interest rates on credit cards, and I'm still

735
00:35:25,680 --> 00:35:28,000
Speaker 2: working on getting down that credit card debt and building

736
00:35:28,040 --> 00:35:31,600
Speaker 2: on my savings using the snowball method. Since theor speculation

737
00:35:31,719 --> 00:35:34,160
Speaker 2: there might be a second stimulus package coming out, I

738
00:35:34,200 --> 00:35:35,960
Speaker 2: was wondering if you think it's wise to take a

739
00:35:35,960 --> 00:35:38,880
Speaker 2: few hundred dollars if that second check is given and

740
00:35:39,000 --> 00:35:42,400
Speaker 2: invest it while stocks are quote unquote on clearance. I

741
00:35:42,480 --> 00:35:45,200
Speaker 2: was thinking of using an app like Acorns or robin Hood.

742
00:35:45,480 --> 00:35:47,840
Speaker 2: Out of those types of apps, which would you recommend.

743
00:35:47,920 --> 00:35:50,799
Speaker 2: I'm still learning about the market and educating myself. Thank

744
00:35:50,840 --> 00:35:51,640
Speaker 2: you so much.

745
00:35:52,280 --> 00:35:52,360
Speaker 4: So.

746
00:35:53,080 --> 00:35:54,920
Speaker 2: She has some credit card debt she's still working to

747
00:35:54,960 --> 00:35:58,160
Speaker 2: pay off, and she wants to know with the next check.

748
00:35:58,640 --> 00:36:00,279
Speaker 2: Let's say she used the first check on her debt,

749
00:36:00,320 --> 00:36:03,480
Speaker 2: I'm not sure is it okay to take a portion

750
00:36:03,560 --> 00:36:05,120
Speaker 2: of that and invest in?

751
00:36:05,960 --> 00:36:06,480
Speaker 1: What's say you?

752
00:36:06,520 --> 00:36:06,880
Speaker 2: Miss?

753
00:36:08,000 --> 00:36:11,439
Speaker 1: I say that? Well, first thing. So it's funny because

754
00:36:11,520 --> 00:36:12,759
Speaker 1: that friend of mine just called me and asked me

755
00:36:12,800 --> 00:36:15,799
Speaker 1: today something similar. She's like, what should I do? I said, well,

756
00:36:15,800 --> 00:36:18,319
Speaker 1: first and foremost, are you current on your bills? If

757
00:36:18,320 --> 00:36:21,600
Speaker 1: you're late, get current? Do you have upcoming bills? But

758
00:36:21,680 --> 00:36:25,120
Speaker 1: no income. If you do take care of that, then

759
00:36:25,360 --> 00:36:27,640
Speaker 1: it sounds like you've negotiated some of your credit card

760
00:36:27,920 --> 00:36:30,920
Speaker 1: interest rates down or you're in the process of still

761
00:36:31,960 --> 00:36:35,000
Speaker 1: credit card's even low. Like for me, like I've got

762
00:36:35,080 --> 00:36:38,000
Speaker 1: perfect credit and I think, you know, humble b I

763
00:36:38,080 --> 00:36:40,160
Speaker 1: you know, one of my interest rates is like ten

764
00:36:40,200 --> 00:36:43,360
Speaker 1: percent or whatever, that's still double digits. So it actually

765
00:36:43,560 --> 00:36:48,560
Speaker 1: would be more financially sound to use the money to

766
00:36:48,560 --> 00:36:51,880
Speaker 1: pay down credit card debt that's have double digit interest rates,

767
00:36:52,120 --> 00:36:54,279
Speaker 1: then to enter into the market and hope to get

768
00:36:54,320 --> 00:36:58,640
Speaker 1: double digit to earn double digit interest rates. Does that

769
00:36:58,680 --> 00:37:01,840
Speaker 1: make sense, anonymous, because if you were to say.

770
00:37:02,360 --> 00:37:04,919
Speaker 3: I don't know, if she's not here, it makes sense

771
00:37:04,680 --> 00:37:08,879
Speaker 3: because you know, like for example, if she were to say, hey,

772
00:37:08,960 --> 00:37:11,000
Speaker 3: I've got a student loan debt and it's five percent,

773
00:37:11,760 --> 00:37:14,160
Speaker 3: and you know, I'm good on bills, I'm not behind.

774
00:37:14,280 --> 00:37:17,239
Speaker 1: I do have, you know, like the money that's coming in,

775
00:37:18,000 --> 00:37:20,800
Speaker 1: it's you know, I'm okay with paying bills moving forward.

776
00:37:21,280 --> 00:37:23,319
Speaker 1: Should I put and I do have some savings, because

777
00:37:23,360 --> 00:37:26,160
Speaker 1: that's important too. Should I, you know, should I maybe

778
00:37:26,280 --> 00:37:29,440
Speaker 1: enter into the market. I might say maybe. But also

779
00:37:29,840 --> 00:37:32,680
Speaker 1: the fact that you're not fully knowledgeable about what to

780
00:37:32,719 --> 00:37:36,920
Speaker 1: do in the market. Also makes me say wait, because

781
00:37:36,920 --> 00:37:39,160
Speaker 1: I don't want you to enter in like as a

782
00:37:39,200 --> 00:37:42,000
Speaker 1: novice investor with this money that you could really be using,

783
00:37:42,120 --> 00:37:45,120
Speaker 1: because here's the thing. You don't know necessarily how to invest,

784
00:37:45,160 --> 00:37:47,440
Speaker 1: which is fair because sists all of us. But you

785
00:37:47,520 --> 00:37:49,640
Speaker 1: do know how to pay off that debt, so it

786
00:37:49,680 --> 00:37:52,040
Speaker 1: would just be more financially sound to do the thing

787
00:37:52,080 --> 00:37:54,240
Speaker 1: that you do know, which is pay off high interest

788
00:37:54,360 --> 00:37:55,719
Speaker 1: rate credit card debt.

789
00:37:56,320 --> 00:37:58,959
Speaker 2: I have nothing to add. I would just say, pay

790
00:37:59,000 --> 00:38:01,319
Speaker 2: off the credit card debt. A few hundred dollars won't

791
00:38:01,320 --> 00:38:04,000
Speaker 2: go very far even when stocks are on clearance, which

792
00:38:04,040 --> 00:38:06,239
Speaker 2: is what that's like, the little jokey way I talk

793
00:38:06,280 --> 00:38:08,560
Speaker 2: about what happens when the market goes down because things

794
00:38:08,600 --> 00:38:12,239
Speaker 2: get cheaper, like stocks go down in value. So if

795
00:38:12,239 --> 00:38:14,239
Speaker 2: you're looking to buy low, it's a good time if

796
00:38:14,239 --> 00:38:16,040
Speaker 2: you have the funds available. But girlfriend, if you have

797
00:38:16,080 --> 00:38:19,320
Speaker 2: credit card debt, almost certainly it has double digit interest

798
00:38:19,400 --> 00:38:24,040
Speaker 2: rate aprs and you need to pay that down asap.

799
00:38:24,640 --> 00:38:26,719
Speaker 2: And let's say I don't know how much the next

800
00:38:26,800 --> 00:38:28,760
Speaker 2: check would be. Look at me, look at me, ramble.

801
00:38:28,760 --> 00:38:30,319
Speaker 2: Even though I said I'm nothing to add, I got

802
00:38:30,320 --> 00:38:32,399
Speaker 2: something to add. Let's say the next check is twelve

803
00:38:32,440 --> 00:38:34,360
Speaker 2: hundred dollars if it was this time around, So a

804
00:38:34,360 --> 00:38:36,719
Speaker 2: few hundred dollars leaves you a nine hundred. If you

805
00:38:36,800 --> 00:38:38,440
Speaker 2: have that much credit card debt, I feel like you

806
00:38:38,480 --> 00:38:41,359
Speaker 2: probably need some emergency savings, and I would put all

807
00:38:41,400 --> 00:38:44,279
Speaker 2: that towards savings so that you don't find yourself back

808
00:38:44,320 --> 00:38:46,880
Speaker 2: in debt, or at the very least use it to

809
00:38:47,239 --> 00:38:49,440
Speaker 2: tackle some of that credit card debt. And good luck,

810
00:38:49,600 --> 00:38:53,960
Speaker 2: because honestly, it is a form of investing in savings

811
00:38:53,960 --> 00:38:56,320
Speaker 2: to pay off that debt. It's just like reverse investing.

812
00:38:56,640 --> 00:38:58,719
Speaker 2: You have to look at it that way. Okay, I

813
00:38:58,920 --> 00:38:59,400
Speaker 2: like that.

814
00:39:00,000 --> 00:39:00,880
Speaker 1: I must start using it.

815
00:39:01,360 --> 00:39:03,960
Speaker 2: Not entirely sure if it makes sense, but it sounded good, right.

816
00:39:04,280 --> 00:39:06,160
Speaker 1: No, No, it does because I was trying to figure

817
00:39:06,160 --> 00:39:07,640
Speaker 1: out how to explain because people are like, I don't

818
00:39:07,640 --> 00:39:10,160
Speaker 1: get what. How was paying down debt really making me

819
00:39:10,200 --> 00:39:13,319
Speaker 1: any money? It's literally like reverse investing that you know

820
00:39:13,360 --> 00:39:16,279
Speaker 1: you're trying to on here, but you actually would earn

821
00:39:16,360 --> 00:39:19,360
Speaker 1: less by losing less on this side. So reverse investing

822
00:39:20,000 --> 00:39:21,000
Speaker 1: reverse investing.

823
00:39:21,120 --> 00:39:25,279
Speaker 2: The second memoir by Mandy Woodruff, author of Financial double Munch.

824
00:39:25,480 --> 00:39:28,640
Speaker 2: All right, sorry, thank you very much for your question, Anonymous.

825
00:39:28,719 --> 00:39:30,360
Speaker 2: We are going to take one more. This one is

826
00:39:30,400 --> 00:39:33,960
Speaker 2: from our email inbugs old school. Let me say if

827
00:39:34,000 --> 00:39:35,400
Speaker 2: they want us to use their name, I'm just going

828
00:39:35,480 --> 00:39:38,359
Speaker 2: to assume no. Let's call this person Ashley. Ashley has

829
00:39:38,400 --> 00:39:41,000
Speaker 2: a car. H She has a car, which is good

830
00:39:41,080 --> 00:39:43,520
Speaker 2: to know because the question is about her car. She

831
00:39:43,640 --> 00:39:46,720
Speaker 2: has a question about whether she should sell or rent

832
00:39:46,760 --> 00:39:49,319
Speaker 2: out her car for extra income. All right, she says,

833
00:39:49,360 --> 00:39:52,280
Speaker 2: my grandfather has gifted me has gently used twenty fifteen

834
00:39:52,360 --> 00:39:54,799
Speaker 2: Mini Cooper. I love that her grandfather has a Mini

835
00:39:54,800 --> 00:39:58,760
Speaker 2: Cooper that is adorable. About two months ago, it's paid

836
00:39:58,760 --> 00:40:01,240
Speaker 2: off and in great shape. I currently have a twenty

837
00:40:01,280 --> 00:40:03,759
Speaker 2: sixteen Honda Cord, which I'm still paying a car note on.

838
00:40:03,960 --> 00:40:05,840
Speaker 2: I've always loved Hondas, and I know them to be

839
00:40:05,880 --> 00:40:09,640
Speaker 2: extremely reliable. However, I reside in San Francisco and parking

840
00:40:09,640 --> 00:40:12,399
Speaker 2: two cars would be a hassle, and I can't drive

841
00:40:12,480 --> 00:40:16,120
Speaker 2: two cars at once. Clearly, if I were to sell

842
00:40:16,120 --> 00:40:18,960
Speaker 2: the Honda, i'd owe around four thousand dollars out of

843
00:40:19,000 --> 00:40:21,840
Speaker 2: pocket due to being upside down on the loan. Upside

844
00:40:21,840 --> 00:40:23,719
Speaker 2: down the loan just means that she owes more on

845
00:40:23,760 --> 00:40:25,960
Speaker 2: the car than it's actually worth, which is a really

846
00:40:26,080 --> 00:40:28,400
Speaker 2: bad situation to be in, and it's probably because you

847
00:40:28,440 --> 00:40:31,320
Speaker 2: had a really high interest rate on your loan. Anyhow,

848
00:40:31,360 --> 00:40:34,000
Speaker 2: I digress. She says, if I were to sell the Honda,

849
00:40:34,000 --> 00:40:36,360
Speaker 2: I'd owe around four thousand dollars still, which I have

850
00:40:36,480 --> 00:40:39,120
Speaker 2: in my savings, so I could sell it with no issues. However,

851
00:40:39,200 --> 00:40:42,400
Speaker 2: I've been considering renting out the Honda on sites like

852
00:40:42,480 --> 00:40:45,520
Speaker 2: truro or get Around, which is like Airbnb for cars,

853
00:40:45,840 --> 00:40:47,600
Speaker 2: which would allow me to bring an extra money to

854
00:40:47,600 --> 00:40:50,120
Speaker 2: pay the car off quicker, and then once it's paid off,

855
00:40:50,160 --> 00:40:52,359
Speaker 2: I could use whatever money I get monthly from those

856
00:40:52,400 --> 00:40:55,560
Speaker 2: apps to put toward my savings extra income. I do

857
00:40:55,680 --> 00:40:57,759
Speaker 2: know it's risky to rent on sites like that, but

858
00:40:57,800 --> 00:41:00,400
Speaker 2: I also like the idea of making side income, having

859
00:41:00,440 --> 00:41:04,279
Speaker 2: a backup. What do you guys think? This is an

860
00:41:04,280 --> 00:41:08,080
Speaker 2: interesting question. So did she has a free car and

861
00:41:08,120 --> 00:41:10,440
Speaker 2: she got another car that she owes some money on.

862
00:41:11,480 --> 00:41:12,640
Speaker 1: She want to put that car to work?

863
00:41:12,680 --> 00:41:15,239
Speaker 2: Honey, she does, But I'm wondering, if she has the

864
00:41:15,280 --> 00:41:19,760
Speaker 2: four grand in savings, why not just pay off the Honda.

865
00:41:19,800 --> 00:41:21,759
Speaker 2: But this is before she got a free car. But

866
00:41:21,800 --> 00:41:24,040
Speaker 2: her reality is that she has a free car. She

867
00:41:24,120 --> 00:41:26,600
Speaker 2: got two cars, and she wants to get rid of one.

868
00:41:26,320 --> 00:41:29,160
Speaker 2: I yeah, I feel as someone who doesn't like the

869
00:41:29,200 --> 00:41:32,239
Speaker 2: hassle of things like renting out cars. I've heard of

870
00:41:32,239 --> 00:41:35,440
Speaker 2: that site Touro and get Around. I've never used them personally,

871
00:41:35,520 --> 00:41:38,120
Speaker 2: so I don't know about the upfront costs, if there's

872
00:41:38,120 --> 00:41:40,759
Speaker 2: any like fees you have to pay or anything like

873
00:41:40,800 --> 00:41:42,920
Speaker 2: that you would have to I do know they're kind

874
00:41:42,960 --> 00:41:46,040
Speaker 2: of popular on the West Coast, more so I think

875
00:41:46,040 --> 00:41:47,239
Speaker 2: on the East than on the East Coast, or at

876
00:41:47,280 --> 00:41:49,120
Speaker 2: least in New York City where we don't drive as much.

877
00:41:50,080 --> 00:41:51,920
Speaker 2: I would definitely ask around if you have friends who

878
00:41:52,000 --> 00:41:54,040
Speaker 2: use it, and do the math to see if it

879
00:41:54,080 --> 00:41:56,640
Speaker 2: would make financial sense to keep paying your car note

880
00:41:56,719 --> 00:41:59,800
Speaker 2: on a car that you're underwater on and then get income.

881
00:42:00,560 --> 00:42:02,439
Speaker 2: How consistent would it be? I mean, no one's really

882
00:42:02,480 --> 00:42:03,480
Speaker 2: using their cars right now.

883
00:42:03,600 --> 00:42:06,120
Speaker 1: Right I was about to say, I was gonna say.

884
00:42:06,440 --> 00:42:08,400
Speaker 2: Sorry, I just was on a own and it was

885
00:42:08,440 --> 00:42:10,680
Speaker 2: like just lots of people out of my mouth.

886
00:42:11,080 --> 00:42:14,160
Speaker 1: No, I was really gonna say quarantine, quarantine, so like

887
00:42:14,239 --> 00:42:16,120
Speaker 1: literally I wrote it. I read an article today that

888
00:42:16,239 --> 00:42:19,600
Speaker 1: hurts is filing bankruptcy because Hurts, one of the largest

889
00:42:19,719 --> 00:42:23,799
Speaker 1: car rental you know companies in the country. Is like,

890
00:42:23,920 --> 00:42:26,239
Speaker 1: ain't nobody writing cars? If ain't nobody writ in cars

891
00:42:26,239 --> 00:42:29,680
Speaker 1: from Hurts. My concern is that normally this might not

892
00:42:29,719 --> 00:42:32,160
Speaker 1: be a bad idea, but I feel like it's literally

893
00:42:32,200 --> 00:42:35,279
Speaker 1: the worst time. It's like, hum, my mom gave me

894
00:42:35,800 --> 00:42:38,279
Speaker 1: a house, you know, you know, I inherited a house.

895
00:42:38,640 --> 00:42:43,440
Speaker 1: Should I airbnb it? It's like, uh, normally airbnb totally

896
00:42:43,640 --> 00:42:47,240
Speaker 1: great question. But during times like this, we are living

897
00:42:47,239 --> 00:42:50,520
Speaker 1: in abnormal times. So if it was me, if it

898
00:42:50,640 --> 00:42:53,040
Speaker 1: was me, I probably would just sell the car because

899
00:42:53,360 --> 00:42:55,920
Speaker 1: the likelihood of you probably making the money you maybe

900
00:42:55,960 --> 00:43:00,600
Speaker 1: normally would in times like these. It also two, here's

901
00:43:00,600 --> 00:43:03,160
Speaker 1: my concern too, Mandra, what do you think about, Like

902
00:43:03,200 --> 00:43:06,919
Speaker 1: what if so here's the thing, her grandfather gifted her car,

903
00:43:07,000 --> 00:43:09,160
Speaker 1: but well, I don't know how much is a car worth?

904
00:43:09,200 --> 00:43:11,879
Speaker 1: Because you can gift, give, and receive up to what

905
00:43:12,040 --> 00:43:14,239
Speaker 1: ten thousand dollars without having to pay taxes as a gift.

906
00:43:14,239 --> 00:43:16,560
Speaker 2: Don't ask me to questions on the fly. I don't know,

907
00:43:16,719 --> 00:43:17,440
Speaker 2: but it's something like that.

908
00:43:17,520 --> 00:43:20,120
Speaker 1: I'm almost yes, I'm almost positive because I remember looking

909
00:43:20,120 --> 00:43:21,840
Speaker 1: at from my parents because I was like me and

910
00:43:22,360 --> 00:43:25,000
Speaker 1: a superman. We're sending the money every every month, and

911
00:43:25,040 --> 00:43:26,520
Speaker 1: I wanted to make sure I was going to keep

912
00:43:26,600 --> 00:43:29,680
Speaker 1: under the tax threshold. It's between ten and twelve thousand,

913
00:43:29,680 --> 00:43:33,080
Speaker 1: don't hold me. I definitely know that it's not under ten.

914
00:43:33,440 --> 00:43:36,239
Speaker 1: So I would just also be curious to know, you know,

915
00:43:36,600 --> 00:43:39,600
Speaker 1: being mindful of the tax burden of receiving that car

916
00:43:39,800 --> 00:43:42,880
Speaker 1: if it's over worth over ten or twelve thousand dollars

917
00:43:42,960 --> 00:43:46,120
Speaker 1: and two likely not being able to rent it out

918
00:43:46,160 --> 00:43:49,399
Speaker 1: profitably during times like now, I honestly probably just sell

919
00:43:49,440 --> 00:43:51,719
Speaker 1: it and put it toward my savings and paying off

920
00:43:51,760 --> 00:43:52,600
Speaker 1: the other car.

921
00:43:52,920 --> 00:43:55,560
Speaker 2: Sell the Mini Cooper and then use that those proceeds

922
00:43:55,560 --> 00:43:59,080
Speaker 2: to pay off the Honda. Or it would depend on

923
00:43:59,080 --> 00:44:02,719
Speaker 2: which one's worth more. Yes, maybe the Mini Cooper even

924
00:44:02,719 --> 00:44:04,960
Speaker 2: though it's a year older. What a funny looking car.

925
00:44:05,239 --> 00:44:07,560
Speaker 2: But then like worth's more to who in a world

926
00:44:07,560 --> 00:44:10,879
Speaker 2: where people aren't driving, I don't know how much would

927
00:44:10,920 --> 00:44:12,200
Speaker 2: you be able to get for that? Would you sell

928
00:44:12,200 --> 00:44:14,160
Speaker 2: it yourself as a private party seller or would you

929
00:44:14,200 --> 00:44:16,400
Speaker 2: sell it through you know, sell it to a dealership.

930
00:44:16,640 --> 00:44:17,960
Speaker 2: Can you even do that? I don't know.

931
00:44:18,400 --> 00:44:20,480
Speaker 1: I know these days. So they're trying to give it

932
00:44:20,520 --> 00:44:23,800
Speaker 1: a car. They said it like because I was even honestly,

933
00:44:23,840 --> 00:44:25,200
Speaker 1: now it's a great time if you are in the

934
00:44:25,280 --> 00:44:29,960
Speaker 1: hunt for a car, especially what especially a used car,

935
00:44:30,000 --> 00:44:34,000
Speaker 1: because literally normally Hurts Avis all these places they sell

936
00:44:34,120 --> 00:44:37,919
Speaker 1: their their fleet to use car dealers, and now they're

937
00:44:37,960 --> 00:44:40,279
Speaker 1: trying it, especially Hurts in particular. It's actually trying to

938
00:44:40,360 --> 00:44:42,959
Speaker 1: raise funds to stay afloat because they filed I believe

939
00:44:43,040 --> 00:44:46,759
Speaker 1: chapter eleven, which is the not the bankruptcy then where

940
00:44:46,760 --> 00:44:49,719
Speaker 1: you're just like, we're done, we're closing up. Stop. It's

941
00:44:49,760 --> 00:44:52,600
Speaker 1: the yes. And so one of the things you're trying

942
00:44:52,600 --> 00:44:55,200
Speaker 1: to like, you know, raise funds is they're selling these cars.

943
00:44:55,480 --> 00:44:57,520
Speaker 1: According to this article, I can't remember where I was

944
00:44:57,520 --> 00:45:00,400
Speaker 1: reading it, they're selling these cars directly to so you

945
00:45:00,400 --> 00:45:03,120
Speaker 1: can like go on Hurts and see, like, you know,

946
00:45:03,200 --> 00:45:05,799
Speaker 1: can I buy a car directly from Hurts at a

947
00:45:05,840 --> 00:45:09,440
Speaker 1: really great price? So cutting out the middle makes me

948
00:45:09,520 --> 00:45:12,040
Speaker 1: interesting exactly, so they can, you know, so they can

949
00:45:12,120 --> 00:45:14,520
Speaker 1: make money to stay alive. So that would just be

950
00:45:14,520 --> 00:45:16,640
Speaker 1: my concern. Honestly, I probably try to sell it. Do

951
00:45:17,080 --> 00:45:19,600
Speaker 1: your best, and I don't know that i'd want the

952
00:45:19,640 --> 00:45:22,200
Speaker 1: hassle also to having someone in my car, the Rona

953
00:45:22,200 --> 00:45:23,920
Speaker 1: and all these other things and meeting up for folks.

954
00:45:23,960 --> 00:45:27,200
Speaker 1: So yeah, that's what I was doing, honey.

955
00:45:27,719 --> 00:45:29,240
Speaker 2: It took me a while to get to the place

956
00:45:29,239 --> 00:45:31,359
Speaker 2: that you were landed out immediately, but I got there.

957
00:45:31,480 --> 00:45:33,120
Speaker 2: It's definitely not a good time to be renting out

958
00:45:33,160 --> 00:45:36,239
Speaker 2: your car as a as a source of income. And yeah,

959
00:45:36,320 --> 00:45:38,239
Speaker 2: to Tiffany's point about buying a car, I do know

960
00:45:38,239 --> 00:45:42,600
Speaker 2: because we've reported on this, dealerships are scaring, like really

961
00:45:42,640 --> 00:45:44,799
Speaker 2: wanting to people to buy cars right now. Obviously people

962
00:45:44,840 --> 00:45:46,400
Speaker 2: are not wanting to buy cars because who needs a

963
00:45:46,440 --> 00:45:48,320
Speaker 2: car these days when you're going literally nowhere.

964
00:45:48,920 --> 00:45:50,680
Speaker 1: And I'm not saying go out there and buy.

965
00:45:50,480 --> 00:45:52,319
Speaker 2: Like the twenty twenty one is not even released yet,

966
00:45:52,320 --> 00:45:54,160
Speaker 2: the twenty twenty model of whatever car. I mean, I

967
00:45:54,160 --> 00:45:56,200
Speaker 2: think you should still do it responsibly, don't take out

968
00:45:56,239 --> 00:45:59,800
Speaker 2: a big car loan like try and get something. It's amazing,

969
00:46:00,000 --> 00:46:02,319
Speaker 2: it's a great idea to do what Tiffany said. That's

970
00:46:02,360 --> 00:46:04,520
Speaker 2: how we got our cars certified pre owned car that

971
00:46:04,600 --> 00:46:07,200
Speaker 2: used to be a rental that the rental company sold

972
00:46:07,239 --> 00:46:08,840
Speaker 2: to a dealership and we got it through them and

973
00:46:08,880 --> 00:46:10,440
Speaker 2: it had, you know, a warranty and all that kind

974
00:46:10,480 --> 00:46:14,759
Speaker 2: of stuff. Just shop smartly and wisely. But if you

975
00:46:14,760 --> 00:46:17,680
Speaker 2: have good credit, got a nice amount for healthy down payment.

976
00:46:18,800 --> 00:46:22,200
Speaker 2: Yeah that it's a buyer's market for cars for sure.

977
00:46:23,719 --> 00:46:25,680
Speaker 2: But yeah, thank you so much for your question. Hopefully

978
00:46:25,719 --> 00:46:28,680
Speaker 2: that was helpful to you. And thank you for an

979
00:46:28,680 --> 00:46:31,719
Speaker 2: interesting Yeah, an interesting question on that.

980
00:46:32,600 --> 00:46:33,920
Speaker 1: Yeah, that was a good And shout out to your

981
00:46:33,920 --> 00:46:37,919
Speaker 1: grandpa with the Mini Cooper I know, so cute. All right,

982
00:46:38,320 --> 00:46:39,600
Speaker 1: thank you guys for your questions. Again.

983
00:46:39,640 --> 00:46:41,839
Speaker 2: You can hit us up Brandambis Podcast at gmail dot

984
00:46:41,880 --> 00:46:45,399
Speaker 2: com dot com or on Instagram. You can find us

985
00:46:45,480 --> 00:46:47,080
Speaker 2: Brand Ambition Podcast on the Gram.

986
00:46:48,320 --> 00:46:53,359
Speaker 1: And now it's time for Boost to break. All right,

987
00:46:53,440 --> 00:46:59,160
Speaker 1: children gather around, It's time to booze. It's time to break, Mandy.

988
00:46:59,400 --> 00:47:04,160
Speaker 1: Which well will you take? Will you boost? You break?

989
00:47:04,920 --> 00:47:07,240
Speaker 1: Will you boost? I'm mad? I'm literally like souldiers popping,

990
00:47:07,400 --> 00:47:11,600
Speaker 1: like shimming like as if I'm like, honestly, yeah, anyway,

991
00:47:11,680 --> 00:47:12,600
Speaker 1: you're gonna boost a break.

992
00:47:12,600 --> 00:47:14,840
Speaker 2: Girl. I'm gonna take a break because a girl well

993
00:47:14,960 --> 00:47:18,320
Speaker 2: not really well she's a girlfriend. But our resident editorial

994
00:47:18,320 --> 00:47:21,839
Speaker 2: assistant on our team at lending Tree this weekend rolled

995
00:47:21,840 --> 00:47:23,960
Speaker 2: her ankle while she was out jogging trying to live

996
00:47:24,000 --> 00:47:26,239
Speaker 2: her best life in quarantine, and she fractured her a

997
00:47:26,239 --> 00:47:29,480
Speaker 2: little ankle bone. It's the most adorable little fracture you

998
00:47:29,520 --> 00:47:31,560
Speaker 2: ever saw in your life, but I'm sure it hurts

999
00:47:31,560 --> 00:47:35,200
Speaker 2: like hell. She dragged herself to a primary or not

1000
00:47:35,239 --> 00:47:37,000
Speaker 2: a primary care, what do you call it? Urgent care

1001
00:47:37,719 --> 00:47:40,640
Speaker 2: on Friday to you know, get it, get it looked at.

1002
00:47:40,680 --> 00:47:41,960
Speaker 2: She wasn't sure if it was a break or not.

1003
00:47:42,040 --> 00:47:44,040
Speaker 2: It was a break, but then she of course couldn't

1004
00:47:44,040 --> 00:47:47,120
Speaker 2: see an orthopedic specialist until Monday. And when she did,

1005
00:47:47,160 --> 00:47:50,120
Speaker 2: she went today. Rights, No, today's Tuesday. Monday was a holiday. Yes,

1006
00:47:50,440 --> 00:47:51,799
Speaker 2: so she went today, and I'm going to take a

1007
00:47:51,800 --> 00:47:54,920
Speaker 2: break on her behalf for just the shadiness of the

1008
00:47:54,960 --> 00:47:59,440
Speaker 2: healthcare system and some doctor's offices. Because they they were

1009
00:47:59,480 --> 00:48:02,440
Speaker 2: trying to upsell her on this boot. They were like,

1010
00:48:02,480 --> 00:48:04,040
Speaker 2: you need to buy this boot from us. It's two

1011
00:48:04,120 --> 00:48:07,040
Speaker 2: hundred dollars, okay, like like you know the boots that

1012
00:48:07,080 --> 00:48:09,360
Speaker 2: you can wear like on your foot. And I said, well,

1013
00:48:09,400 --> 00:48:11,440
Speaker 2: could you use your FSA dollars and she said no.

1014
00:48:11,719 --> 00:48:14,080
Speaker 2: They said that it wasn't FSA eligible And they said

1015
00:48:14,120 --> 00:48:16,480
Speaker 2: that my insurance wouldn't cover the boot, so she paid

1016
00:48:16,480 --> 00:48:18,560
Speaker 2: out a pocket for this boot. And then I was like,

1017
00:48:18,600 --> 00:48:20,400
Speaker 2: look on Amazon dot com. I'm sure you could have

1018
00:48:20,400 --> 00:48:23,520
Speaker 2: bought that boot yourself hobbled on home and she's like, yeah,

1019
00:48:23,600 --> 00:48:26,600
Speaker 2: they were fifty dollars on Amazon. Oh, and I'm pretty

1020
00:48:26,640 --> 00:48:29,920
Speaker 2: sure they are safe eligible. And I just was like,

1021
00:48:29,960 --> 00:48:31,920
Speaker 2: she was like, damn it, they got me and I

1022
00:48:32,040 --> 00:48:34,400
Speaker 2: and she felt bad, and I'm like, it's not your fault.

1023
00:48:34,400 --> 00:48:36,480
Speaker 2: That is so twisted and busted like this, Like it

1024
00:48:36,520 --> 00:48:38,560
Speaker 2: shouldn't be that hard to figure out that you can

1025
00:48:38,600 --> 00:48:41,280
Speaker 2: save a lot of money on damn you know, regular

1026
00:48:41,320 --> 00:48:44,319
Speaker 2: ass boot that anyone can get on the interwebs themselves.

1027
00:48:44,920 --> 00:48:46,520
Speaker 2: So I just feel like she was taking advantage of

1028
00:48:46,560 --> 00:48:49,759
Speaker 2: a little bit in her time of need. So yeah,

1029
00:48:49,800 --> 00:48:51,200
Speaker 2: shout out not shout out a.

1030
00:48:51,160 --> 00:48:51,879
Speaker 1: Break for horror.

1031
00:48:51,960 --> 00:48:55,319
Speaker 2: Oh I just realized. I just realized she broke. She

1032
00:48:55,440 --> 00:48:58,640
Speaker 2: had a break, and I'm taking a break about.

1033
00:48:58,440 --> 00:49:03,400
Speaker 1: Oh break very meta as its very meta. It is

1034
00:49:03,440 --> 00:49:05,719
Speaker 1: so hot in this room, I'm losing my mind. I

1035
00:49:05,760 --> 00:49:07,399
Speaker 1: need to get out of your I do it.

1036
00:49:07,320 --> 00:49:10,920
Speaker 2: For you guys in the audio quality okay, no AC anyway,

1037
00:49:11,040 --> 00:49:13,680
Speaker 2: So a break for her, please heal well, Miss Cameron.

1038
00:49:14,440 --> 00:49:16,680
Speaker 2: And then if you if you are, obviously, if it's

1039
00:49:16,719 --> 00:49:19,359
Speaker 2: a non emergency situation and the doctor's trying to sell

1040
00:49:19,360 --> 00:49:22,720
Speaker 2: you some kind of equipment or like ace bandage or whatever,

1041
00:49:23,200 --> 00:49:26,080
Speaker 2: just do your You can even google it really quick.

1042
00:49:26,280 --> 00:49:28,520
Speaker 2: Even just go to like FSA store dot com and

1043
00:49:28,600 --> 00:49:31,480
Speaker 2: anything on that website. You know it's FSA eligible and

1044
00:49:31,560 --> 00:49:33,080
Speaker 2: see if you can get it from there because you

1045
00:49:33,120 --> 00:49:35,560
Speaker 2: can probably save money versus trying to buy it from

1046
00:49:35,680 --> 00:49:38,520
Speaker 2: the doctor's office and nothing.

1047
00:49:39,040 --> 00:49:41,680
Speaker 1: Smarty, ady you are, I'm gonna do a boosy breakye,

1048
00:49:41,719 --> 00:49:44,960
Speaker 1: but we're light. Just keep it cute. So my breaky

1049
00:49:45,320 --> 00:49:47,359
Speaker 1: is going to be my niece. Oh my god, when

1050
00:49:47,400 --> 00:49:49,759
Speaker 1: did I turn old? Yo? My knees her every day now,

1051
00:49:49,760 --> 00:49:54,160
Speaker 1: I'm like, what's this light? But you didn't break I

1052
00:49:54,239 --> 00:49:58,279
Speaker 1: know exactly. I've been taking daily walks and walking up

1053
00:49:58,280 --> 00:49:59,920
Speaker 1: to an hour and I'm like, wait, so I've been

1054
00:50:00,040 --> 00:50:03,759
Speaker 1: stretching a lot. Anybody has any joint something. I just

1055
00:50:03,800 --> 00:50:06,000
Speaker 1: feel like I've been trying to get my regular exercise in.

1056
00:50:06,440 --> 00:50:09,440
Speaker 1: I am stretching, I'm doing yoga every morning and I

1057
00:50:09,560 --> 00:50:11,600
Speaker 1: just I tell you, like, walking up the stairs are

1058
00:50:11,640 --> 00:50:15,360
Speaker 1: like literally I'm like, is this life? Is this the

1059
00:50:15,480 --> 00:50:18,040
Speaker 1: life I'm gonna live? I just can't take it anymore.

1060
00:50:18,080 --> 00:50:19,960
Speaker 2: So Dad would tell you to get the green alcohol

1061
00:50:21,200 --> 00:50:23,759
Speaker 2: from the bottom shelf, but this at the pharmacy if

1062
00:50:23,760 --> 00:50:26,560
Speaker 2: they even still sell this, and you know it's a

1063
00:50:26,640 --> 00:50:28,640
Speaker 2: larger public. Get the green alcohol, the menthol kind of

1064
00:50:28,680 --> 00:50:31,760
Speaker 2: rubbing on there. That'll cure you. It'll cure all evils,

1065
00:50:31,920 --> 00:50:33,120
Speaker 2: the green alcohol.

1066
00:50:33,360 --> 00:50:36,440
Speaker 1: That of ginger ale. Right, yes, so yeah, so I

1067
00:50:36,520 --> 00:50:38,120
Speaker 1: just you know, but honestly, if there's some things that

1068
00:50:38,120 --> 00:50:39,560
Speaker 1: I need to be taking because I'm just like I

1069
00:50:39,640 --> 00:50:41,200
Speaker 1: keep saying like, oh it's gonna get better, it's not

1070
00:50:41,239 --> 00:50:45,799
Speaker 1: getting better, and stop walking so much. Yeah, But the

1071
00:50:45,840 --> 00:50:47,680
Speaker 1: thing is, I'm not even like I'm not power walking.

1072
00:50:47,719 --> 00:50:50,239
Speaker 1: I'm not like, you know, like I'm just literally like

1073
00:50:50,320 --> 00:50:53,520
Speaker 1: taking a stroll. I'm like, geez, is this life? Anyway?

1074
00:50:54,239 --> 00:50:58,120
Speaker 1: That's the break. And then the Booze so Own came on.

1075
00:50:59,080 --> 00:51:00,960
Speaker 1: You know my my date you on Own with them

1076
00:51:01,000 --> 00:51:05,960
Speaker 1: with I totally forgot. I was so nervous, and so

1077
00:51:06,040 --> 00:51:07,640
Speaker 1: I just want to really boost my family and friends

1078
00:51:07,680 --> 00:51:10,319
Speaker 1: because they did like a like a prop to live

1079
00:51:11,320 --> 00:51:13,760
Speaker 1: where they not live. But they all watched on Zoom

1080
00:51:13,800 --> 00:51:17,040
Speaker 1: like the team watched, the team, the Unicorn Squad, the

1081
00:51:17,080 --> 00:51:20,920
Speaker 1: Buddanista and Literature Academy team. They they watched on Zoom together.

1082
00:51:21,120 --> 00:51:23,200
Speaker 1: My dad and my mom watched together, which is so cute,

1083
00:51:23,200 --> 00:51:26,040
Speaker 1: and then my friends watched all on Zoom together. So

1084
00:51:26,080 --> 00:51:28,200
Speaker 1: it was just really nice. I was honestly super nervous

1085
00:51:28,239 --> 00:51:32,160
Speaker 1: because when I taped it with Ayanla, I taped it

1086
00:51:32,200 --> 00:51:35,680
Speaker 1: here and I guess she's in California, and I was

1087
00:51:35,719 --> 00:51:37,640
Speaker 1: really I was so nervous. I didn't even remember what

1088
00:51:37,680 --> 00:51:39,440
Speaker 1: I said. You know, sometimes they're like, oh, well, let

1089
00:51:39,480 --> 00:51:41,000
Speaker 1: me review. In my mind, I was like, I honestly

1090
00:51:41,040 --> 00:51:43,400
Speaker 1: have no idea what I said. So we were all

1091
00:51:43,440 --> 00:51:47,120
Speaker 1: watching together, like lessie what Tiffany said. But I gave

1092
00:51:47,160 --> 00:51:49,960
Speaker 1: myself a solid A minus. I always grade myself and

1093
00:51:50,040 --> 00:51:52,759
Speaker 1: that's pretty high on my scale because I never give

1094
00:51:52,800 --> 00:51:54,440
Speaker 1: myself good grades. But I was like, Tiffany, that was

1095
00:51:54,480 --> 00:51:57,000
Speaker 1: a solid A minus. I'm proud of you girl.

1096
00:51:57,400 --> 00:52:01,239
Speaker 2: I'm I'm so sorry I forgot all about and I

1097
00:52:01,360 --> 00:52:02,960
Speaker 2: get and I told Siri to remind me.

1098
00:52:03,000 --> 00:52:09,319
Speaker 1: It's her fault. But I think I had the own

1099
00:52:09,400 --> 00:52:11,720
Speaker 1: app and so you're able to watch it like there

1100
00:52:11,880 --> 00:52:13,600
Speaker 1: I'm assuming if it's on the own app then it

1101
00:52:13,640 --> 00:52:15,600
Speaker 1: should be. But also too if you just want to

1102
00:52:15,640 --> 00:52:18,080
Speaker 1: catch some clips, like if you go to own YouTube channel,

1103
00:52:18,120 --> 00:52:20,200
Speaker 1: they have like clips. But yeah, I was, like I said,

1104
00:52:20,239 --> 00:52:22,600
Speaker 1: I was really. I was proud of myself for getting

1105
00:52:22,600 --> 00:52:25,520
Speaker 1: through it despite the nerves, and it looked good. I

1106
00:52:25,600 --> 00:52:28,000
Speaker 1: was like, oh my gosh, look it's happening. And it

1107
00:52:28,040 --> 00:52:31,640
Speaker 1: made me realize, like I finally bought some acoustic foam

1108
00:52:31,680 --> 00:52:33,880
Speaker 1: stuff for the office because I didn't realize how echoey.

1109
00:52:34,120 --> 00:52:40,200
Speaker 2: If you're sweating, you're not growing. The Third Memoir by

1110
00:52:40,280 --> 00:52:43,960
Speaker 2: Mandy Woodruff on bookshelves.

1111
00:52:44,920 --> 00:52:46,880
Speaker 1: So I bought some hopefully so the next time we

1112
00:52:47,000 --> 00:52:49,920
Speaker 1: tape it should sound even more. I mean, I don't

1113
00:52:49,960 --> 00:52:52,200
Speaker 1: know what the word is. What's the opposite word of echo,

1114
00:52:52,280 --> 00:52:57,000
Speaker 1: but let's yes, less bouncy. So yeah. So I was like, oh,

1115
00:52:57,080 --> 00:53:01,680
Speaker 1: own debut so hopefully fingers crossed it means goodan.

1116
00:53:01,400 --> 00:53:05,160
Speaker 2: Yeah, yeah, well congrats Dan, I'm sure you did amazing.

1117
00:53:06,040 --> 00:53:07,799
Speaker 2: I will confirm that as soon as I watch it.

1118
00:53:07,880 --> 00:53:09,240
Speaker 2: I'm very sorry for forgetting.

1119
00:53:10,239 --> 00:53:12,320
Speaker 1: No, I'm just I anytime.

1120
00:53:12,440 --> 00:53:14,880
Speaker 2: No, it's seriously, something that scares the crap out of

1121
00:53:14,920 --> 00:53:17,719
Speaker 2: you is always a good thing in the end, even

1122
00:53:17,760 --> 00:53:20,080
Speaker 2: though it's really scary, and I know that you're doing

1123
00:53:20,080 --> 00:53:22,759
Speaker 2: a lot of your publicity in house now and you're

1124
00:53:22,840 --> 00:53:25,360
Speaker 2: killing it and look at you go and congrats, this

1125
00:53:25,440 --> 00:53:25,920
Speaker 2: is awesome.

1126
00:53:26,880 --> 00:53:29,840
Speaker 1: Thank you, You're welcome, and thank you guys for continuing

1127
00:53:29,880 --> 00:53:30,360
Speaker 1: to listen.

1128
00:53:31,000 --> 00:53:34,400
Speaker 2: My gosh, I'm like, yes, don't remind us how long

1129
00:53:34,440 --> 00:53:36,239
Speaker 2: we've been doing the show, because sometimes I'm like, really,

1130
00:53:36,280 --> 00:53:38,880
Speaker 2: we're still doing it. Yes, it's just this habit, and

1131
00:53:39,080 --> 00:53:41,880
Speaker 2: you guys are still listening, still tuning in. And despite

1132
00:53:41,960 --> 00:53:44,680
Speaker 2: my fears about people dropping off because they're not commuting

1133
00:53:44,760 --> 00:53:47,000
Speaker 2: and you know, we don't know where you guys typically listen,

1134
00:53:47,000 --> 00:53:48,919
Speaker 2: apparently a lot of you guys just listen sitting around

1135
00:53:48,920 --> 00:53:51,799
Speaker 2: the house, and like one Instagram user said, we were

1136
00:53:51,840 --> 00:53:53,839
Speaker 2: helping her get through the last hour and fifteen minutes

1137
00:53:53,880 --> 00:53:57,360
Speaker 2: of her work from home situation. So shout out to

1138
00:53:57,400 --> 00:54:00,400
Speaker 2: you and thank you guys so much for continuing.

1139
00:54:00,080 --> 00:54:02,839
Speaker 1: To support the show. Yes, thank you.

1140
00:54:02,960 --> 00:54:04,719
Speaker 2: If you want to show some love and you're a

1141
00:54:04,719 --> 00:54:06,920
Speaker 2: new listener or new enough to have not left a

1142
00:54:06,960 --> 00:54:10,319
Speaker 2: review on iTunes yet, please go to your phone right now,

1143
00:54:10,320 --> 00:54:12,520
Speaker 2: turn it over, go to the review. Please leave us

1144
00:54:12,520 --> 00:54:14,880
Speaker 2: a five star review or however many stars you you know,

1145
00:54:14,960 --> 00:54:16,040
Speaker 2: think this experience is.

1146
00:54:15,960 --> 00:54:16,919
Speaker 1: Worth a five star.

1147
00:54:17,000 --> 00:54:20,280
Speaker 2: Give the five star please, because this helps other people

1148
00:54:20,280 --> 00:54:22,239
Speaker 2: find the show and it's the reason we're still alive

1149
00:54:22,280 --> 00:54:24,640
Speaker 2: and kicking. So thank you, guys, think you think you?

1150
00:54:24,680 --> 00:54:27,360
Speaker 1: Thank you? Yes, thank you? Oh and thank you Mandy

1151
00:54:27,360 --> 00:54:28,799
Speaker 1: for those cute pictures of real I was like, Yo,

1152
00:54:28,920 --> 00:54:32,799
Speaker 1: Rio is giving me all the life months old. He's

1153
00:54:32,880 --> 00:54:35,360
Speaker 1: really fucking cute. I can't even know he is.

1154
00:54:35,400 --> 00:54:37,839
Speaker 2: I'm gonna start tagging some labels on his Instagram ads

1155
00:54:37,840 --> 00:54:39,160
Speaker 2: he is selling these outfits.

1156
00:54:39,440 --> 00:54:42,759
Speaker 1: Oh yeah, you should. Honestly, Mandy, you really should, because

1157
00:54:42,760 --> 00:54:44,840
Speaker 1: I feel like I knew a kid that paid for

1158
00:54:44,840 --> 00:54:48,719
Speaker 1: his own college college fund for like the first five

1159
00:54:48,800 --> 00:54:50,960
Speaker 1: years of life because he was super cute and so

1160
00:54:51,600 --> 00:54:54,040
Speaker 1: you know, he just used to model until he was like,

1161
00:54:54,080 --> 00:54:56,360
Speaker 1: I don't know, six or seven, and then you know

1162
00:54:56,440 --> 00:54:57,920
Speaker 1: his mom was like, hey, I'm good, but she put

1163
00:54:57,960 --> 00:55:00,359
Speaker 1: all that money up and paid for college. Know what.

1164
00:55:00,680 --> 00:55:03,759
Speaker 2: Honestly, me and my husband went through a real, real

1165
00:55:03,800 --> 00:55:05,959
Speaker 2: awkward phase from ages six to thirteen. So I feel

1166
00:55:05,960 --> 00:55:07,920
Speaker 2: like I only have a limited time, Like, if this

1167
00:55:08,000 --> 00:55:10,239
Speaker 2: kid takes after us, he's only going to be cute

1168
00:55:10,239 --> 00:55:12,000
Speaker 2: for like another five years, so I need to like

1169
00:55:12,080 --> 00:55:15,520
Speaker 2: really capitalize. I need to capitalize because he's going to

1170
00:55:15,560 --> 00:55:17,960
Speaker 2: look a little wrecked. He's gonna look a little busted,

1171
00:55:18,680 --> 00:55:20,839
Speaker 2: which is fine. It builds character. It's why I am

1172
00:55:20,880 --> 00:55:21,399
Speaker 2: the way I am.

1173
00:55:21,440 --> 00:55:25,279
Speaker 4: It's all fine, and it brings it, brings it, bring him.

1174
00:55:25,160 --> 00:55:26,040
Speaker 2: And keep him humble.

1175
00:55:26,239 --> 00:55:26,440
Speaker 1: You know.

1176
00:55:26,560 --> 00:55:29,080
Speaker 2: I hope he has those ugly duckling years. But in

1177
00:55:29,120 --> 00:55:31,160
Speaker 2: the meantime, you're right, I'm going to I need to

1178
00:55:31,160 --> 00:55:33,600
Speaker 2: figure out how does it work in the Instagram age?

1179
00:55:33,640 --> 00:55:35,600
Speaker 2: How do you make money off your child in a

1180
00:55:35,600 --> 00:55:36,520
Speaker 2: way that's not creepy.

1181
00:55:37,239 --> 00:55:39,440
Speaker 1: Yeah? No, I just I would just start tagging brands

1182
00:55:39,440 --> 00:55:40,960
Speaker 1: and then you never know they might reach out to

1183
00:55:40,960 --> 00:55:44,279
Speaker 1: be like baby super cute, my goodness, And yeah, I

1184
00:55:44,280 --> 00:55:44,680
Speaker 1: would start.

1185
00:55:44,960 --> 00:55:46,439
Speaker 2: But he's going to be so mad. He hates whenever

1186
00:55:46,480 --> 00:55:47,920
Speaker 2: I but he's like, please don't put our baby on

1187
00:55:47,960 --> 00:55:48,440
Speaker 2: the internet.

1188
00:55:48,520 --> 00:55:49,520
Speaker 1: Oh I know everybody.

1189
00:55:49,560 --> 00:55:49,799
Speaker 2: I know.

1190
00:55:49,960 --> 00:55:52,160
Speaker 1: My sister's always like if you put my child on

1191
00:55:52,160 --> 00:55:55,440
Speaker 1: One time I had my niece talk about when I

1192
00:55:55,440 --> 00:55:58,000
Speaker 1: tell her, I was like, Amelia, say get your credit together,

1193
00:55:58,360 --> 00:56:01,120
Speaker 1: just like gick your credit get y'all. Meanwhile, my sister's

1194
00:56:01,120 --> 00:56:03,000
Speaker 1: sitting there. I hear her go through Instagram and she's

1195
00:56:03,080 --> 00:56:05,320
Speaker 1: watching it and she realized, like I just taped it.

1196
00:56:05,440 --> 00:56:07,719
Speaker 1: She's like, did you just put my child on? I

1197
00:56:07,760 --> 00:56:09,080
Speaker 1: was like, that was the last time. I was like,

1198
00:56:09,160 --> 00:56:10,719
Speaker 1: I think I need to pay. I got talking too,

1199
00:56:10,719 --> 00:56:12,759
Speaker 1: so I'm not allowed anymore. Yeah.

1200
00:56:12,800 --> 00:56:15,719
Speaker 2: Well anyway, well thank you. He turned six months today.

1201
00:56:15,719 --> 00:56:18,960
Speaker 2: Happy birthday, Rio. Hope you guys had a good long weekend,

1202
00:56:19,120 --> 00:56:20,400
Speaker 2: and thank you again for listening.

1203
00:56:20,440 --> 00:56:21,680
Speaker 1: We will really don't