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Speaker 1: Hey, hey, hey, we're back. We're black, We're brown. I'm tippity.

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Speaker 2: Hey guys, happy Brian ambition Wednesday. It's Mandy.

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Speaker 1: So what shall we talk about today?

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Speaker 2: There's so many things. What can we start with? So?

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Speaker 2: Did you hear the story about this?

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Speaker 1: Is?

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Speaker 2: I was chuckling, slash kind of inwardly crying about this.

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Speaker 2: There was this worker on the DC Metro who had

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Speaker 2: the audacity to eat her breakfast in between shifts, and

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Speaker 2: some lady h tweeted, took a picture of her, called

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Speaker 2: her out for it in person, and then tweeted to

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Speaker 2: the Metro, like to the Metro Twitter account in DC,

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Speaker 2: complaining about this worker eating her breakfast because apparently they

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Speaker 2: had implemented a recent rule like no eating on trains.

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Speaker 2: That's a rule pretty much on any metro but you know,

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Speaker 2: yata eat, you gotta eat, and tried to get this

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Speaker 2: woman discipline. Slash fired. Wow. Black Twitter was not having

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Speaker 2: it because it's a black, black female worker, you know,

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Speaker 2: in the morning, having her breakfast, minding her own business,

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Speaker 2: and this woman was like not having it. She's not white,

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Speaker 2: she's Jordaining an American, I've heard, but still the fact

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Speaker 2: that you would call someone out for the breakfast and

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Speaker 2: then it just went viral on Twitter and people were

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Speaker 2: really upset with Her name is Natasha Tynes. She runs

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Speaker 2: social media for the World Bank. You think people who

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Speaker 2: wow wow, Well no better.

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Speaker 1: Yeah.

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Speaker 2: She's also an author of a forthcoming novel, which is

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Speaker 2: one way to get publicity for your book. Except for

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Speaker 2: after all the controversy, the company that's distributing her book

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Speaker 2: said they were going to stop and then called on

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Speaker 2: her publisher to actually pull the book, like to pull

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Speaker 2: the book deal itself, so they are coming for her

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Speaker 2: coin and the Metro Authority actually responded to this controversy

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Speaker 2: and said that one this woman's part of a union,

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Speaker 2: and the union came out to bat for her and

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Speaker 2: explained that there's really have you ever been in a

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Speaker 2: subway station where the hell do you think they're going

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Speaker 2: to sit down and eat their breakfast or their lunch.

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Speaker 2: There's no break rooms like, and there's also mice everywhere

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Speaker 2: and insecticide, so there's not really sanitary conditions a lot

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Speaker 2: of the times. And this woman happened to be on

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Speaker 2: a delayed train trying to get to her next shift,

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Speaker 2: and in order to be on time, she stayed on

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Speaker 2: the train and just ate her breakfast, And so the

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Speaker 2: union came to bat for her, and then the actual

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Speaker 2: the Metro Transit authority said that they had recently the

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Speaker 2: police had recently asked people to stop filing complaints about

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Speaker 2: petty stuff like people eating on trains and you know,

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Speaker 2: evading fairs and stuff like that. So this was way

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Speaker 2: overblown and she she got dragged pretty bad.

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Speaker 3: I mean, I don't know if she deserves to get

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Speaker 3: her book pulled and stuff like that, because cancel culture

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Speaker 3: sometimes can be too much.

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Speaker 1: But I think, like, because.

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Speaker 3: Like, what what is the what is the desired outcome

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Speaker 3: you want this poor woman? I mean, she wasn't defecating

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Speaker 3: on the point on the train, you know what I mean?

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Speaker 3: Sometimes you have to ask yourself, like from where did this?

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Speaker 3: What did you want to happen to her? Did you

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Speaker 3: want this woman who was eating to be fired? What

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Speaker 3: kind of life are you living?

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Speaker 1: That that is your aim? Why do you care?

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Speaker 3: She wasn't smearing food all over the place, like clearly,

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Speaker 3: like you know, any common sense human being is like, huh,

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Speaker 3: she works here. She's clearly working here on the train.

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Speaker 3: So my assumption is this is the I mean nobody

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Speaker 3: willingly says, mmmm, I would love to eat on this

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Speaker 3: potentially disgusting Germany train, You know what I mean? I

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Speaker 3: just well, but you're you're gonna learn today. You're gonna

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Speaker 3: learn today. I guess she learned.

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Speaker 2: And well, it was the fact that she was basically

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Speaker 2: calling on the Metro, the DC Metro, to fire this person.

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Speaker 2: And that's just her and you're messing with the black

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Speaker 2: woman's livelihood. And I think, you know, do I think

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Speaker 2: that this the action is for to lose her book,

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Speaker 2: deal with that, teach her a lesson? No, I feel

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Speaker 2: like the bigger lesson is for her getting dragged on

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Speaker 2: Twitter and being corrected, you know, and why why it's

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Speaker 2: wrong for her to call someone out like that. I mean,

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Speaker 2: first of all, who who's even awake in the morning,

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Speaker 2: like trying like worry the black The workers response to

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Speaker 2: the woman when she talked to her and was like

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Speaker 2: calling her out at the moment for eating on the train.

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Speaker 2: The woman apparently told her worry about yourself, which is

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Speaker 2: exactly what she should have been doing. Yes, worried about

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Speaker 2: your dance.

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Speaker 1: Worry about yourself.

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Speaker 3: It's not a little video about the about the little

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Speaker 3: girl by She's literally like three, right, and she's trying to.

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Speaker 1: Buck on her own little seapet and her mom's like,

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Speaker 1: she said, no, let me alone. Worry about yourself. So

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Speaker 1: take take a tip from the three year old. Worry

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Speaker 1: about yourself about you.

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Speaker 2: Wow, Well Natasha has learned a lesson. You know, my

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Speaker 2: biggest fear is tweeting something and getting fired. Like that

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Speaker 2: is my fear as a person who you know, journalists,

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Speaker 2: we use Twitter all the time. I've I've actually just

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Speaker 2: pulled back on how much I tweet because I it

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Speaker 2: is so easy to just like and especially if you

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Speaker 2: get addicted to the instant gratification of people liking and

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Speaker 2: retweeting you, you just want to like please them, and

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Speaker 2: you want to write things that are witty and funny

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Speaker 2: and you know, off the cuff and whatever, and you

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Speaker 2: get addicted to that and then sure enough you're gonna

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Speaker 2: tweet something stupid or inappropriate or insensitive, and then it's

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Speaker 2: out there in the world and you can even delete

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Speaker 2: it like this woman did, but people still can grab screenshots.

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Speaker 3: Yeah, and also too, Like the thing is, here's the thing, like, yeah,

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Speaker 3: I don't believe in posting people I don't know on

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Speaker 3: social media.

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Speaker 1: I just think that's so harmful, you know what I mean, Like, yeah,

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Speaker 1: you know, like it's one thing that.

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Speaker 3: Like I'm taking as healthy and you happen to walk

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Speaker 3: behind me, but to take a picture of you to

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Speaker 3: shame you. Even if I'm taking a picture and I'm like,

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Speaker 3: oh my god, so pretty, I'm so cute, I don't.

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Speaker 3: I just I don't even do that unless you were

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Speaker 3: like taking a picture together, you know, like or like

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Speaker 3: say if you're speaking or something like that, but like

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Speaker 3: to secretly take a picture who's like ooh, secretly on

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Speaker 3: the train she's slaying. I don't even do that because

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Speaker 3: you don't know who someone is, and you know, maybe

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Speaker 3: they have someone who's looking for them, that's looking to

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Speaker 3: harm them.

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Speaker 1: I just think that that's what you get, honestly.

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Speaker 3: And I mean, we're gonna gonna learn today. I know

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Speaker 3: she's home, like, wait, you know, when I was a kid,

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Speaker 3: I'm not gonna lie. I was a big tattletale right

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Speaker 3: when I was like in kindergarten and in first grade.

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Speaker 1: I could not understand why.

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Speaker 3: I would go and tell the teacher and she would say, Tiffany,

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Speaker 3: nobody likes the tattletale I thought I.

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Speaker 1: Was doing my civic duty. I was like, but and

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Speaker 1: I didn't really understand. You know.

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Speaker 3: It's I got a little bit older and I realized that, like,

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Speaker 3: you're like one the teachers, like, okay, so Johnnye touched

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Speaker 3: the blue ball, It's fine, Like, girl, it's not the

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Speaker 3: end of the world, first of all. And two it's like,

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Speaker 3: it's not your business unless someone's really getting hurt or

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Speaker 3: something like that. And so it's like, this woman never

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Speaker 3: got that kindergarten first grade lesson of don't be a tattletale.

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Speaker 3: Nobody likes the tattletale, and now black Twitter had to

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Speaker 3: remind you, so, okay.

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Speaker 2: Another another social media failed this week? Did you about

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Speaker 2: so the actress from Fresh off the Boat, Constance Wu.

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Speaker 2: She is getting all kinds of insane press right now

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Speaker 2: because so Fresh off the Boat is was one of

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Speaker 2: the first in a long long time sitcoms to feature

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Speaker 2: a majority Asian American cast. So it was a huge

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Speaker 2: show for I forget which network it's on, but it's

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Speaker 2: been on for I think like four or five seasons now,

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Speaker 2: and it was just renewed for its six season. You know,

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Speaker 2: with sitcoms, there's like dozens of episodes, and it takes

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Speaker 2: up an actor's you know, most of the year for

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Speaker 2: them to film the sitcom. But they're also incredibly lucrative

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Speaker 2: and if you're on a sitcom that gets syndicated, you

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Speaker 2: just make money on money on money forever. But anyway,

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Speaker 2: Constance started to she send out some tweets with like

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Speaker 2: some swear words in them, saying how upset she was

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Speaker 2: that her show was renewed because she's been unable to

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Speaker 2: take a project that really fulfilled her artistic, you know, passions,

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Speaker 2: and she thought that was fine to share with the

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Speaker 2: world of working people who follow her, and immediately got

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Speaker 2: dragged for being insensitive to the crew that works on

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Speaker 2: her show, like the blue collar workers working on her show,

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Speaker 2: her other cast, like being ungrateful for the show that

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Speaker 2: launched her career. You know, she did a she she

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Speaker 2: starred in Crazy Rich Asians, which was that big movie

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Speaker 2: when was that last summer that came out, romantic comedy

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Speaker 2: with an all Asian cast, you know, so she's kind

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Speaker 2: of got the show to be thankful for the career

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Speaker 2: as a you know actor that she has, and that

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Speaker 2: was how she responded. So Baby Girl also got dragged.

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Speaker 2: Just don't tweet, just get a diary.

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Speaker 3: Like I guess you know, I'm not here to judge

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Speaker 3: because I'm like, god forbid, I'm not gonna lie. I've

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Speaker 3: seen people that I know get dragged basically, and I've

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Speaker 3: gone through my Twitter and then I was like girl,

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Speaker 3: after like you know, twelve pages of scrolling, I'm like,

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Speaker 3: I can't do this. But I think to myself, like,

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Speaker 3: have I ever tweeted or face mood or Facebook or

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Speaker 3: Instagram something problematic.

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Speaker 1: There was only two times that I said I got

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Speaker 1: dragged on ig.

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Speaker 3: Once was I said I had a like a sign

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Speaker 3: it said co sign and the head a line through it,

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Speaker 3: and I was like, don't co sign. Co signing is

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Speaker 3: really a good idea, and that you know that you

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Speaker 3: I don't think people understand you have to take full

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Speaker 3: responsibility for that person's loan. Surprisingly, I mean like, of

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Speaker 3: course a lot of people were like yeah, but people were.

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Speaker 1: Mad at that.

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Speaker 3: I was like, okay, you're mad because co signing leaves you,

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Speaker 3: you know.

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Speaker 1: Financially responsible.

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Speaker 3: I was surprised people were like, well, some of us

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Speaker 3: can't get a car, we don't get a co signer.

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Speaker 1: I'm like ma'am. That is the point. That is the point.

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Speaker 3: I mean, you know, I mean I understand that some

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Speaker 3: folks need co signers because they're like, I'm not able

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Speaker 3: to but that what I'm saying is the fact that

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Speaker 3: you need one is puts the other person in financial

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Speaker 3: harms way because what it really means is that you

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Speaker 3: really can't afford the thing that you're getting, and it's

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Speaker 3: likely that person's going to have to pay for it

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Speaker 3: for you, and so, and I said, it's really a

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Speaker 3: good idea and not never ever ever, because I know

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Speaker 3: there's some extranuiny circumstances. But I remember that was one

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Speaker 3: time I kind of got dragged it. People were like

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Speaker 3: this is irresponsible.

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Speaker 2: I'm like what they were just mad because like they're

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Speaker 2: antier their uncle whoever they were gonna ask for Bunny

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Speaker 2: probably fine and not helping my case.

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Speaker 3: I know. I was like, so I was APPRISTI but

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Speaker 3: I kept it up because I was like, I didn't

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Speaker 3: say anything offensive, I said, you know, I kept it up.

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Speaker 3: I was like, well, I understand you being upset because

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Speaker 3: maybe your dad co signed you for you ten years

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Speaker 3: ago in to work down because I'm not gonna lie

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Speaker 3: Superman asked me to co sign or we were dating,

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Speaker 3: and I said no, he was mad and guess what.

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Speaker 3: I was like, okay, the answer was still now. So

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Speaker 3: he got over it and so will people. And then

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Speaker 3: second thing I posted it wasn't me. I didn't reveally

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Speaker 3: get dragged for it, but it was like this like

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Speaker 3: this picture of, like I guess, a woman. It was

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Speaker 3: like a like a meme of like a silhouette of

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Speaker 3: a woman stages of pregnancy like one month, two months,

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Speaker 3: all the way to you know, nine months. And it

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Speaker 3: was like, it's when, when is it ever good great

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Speaker 3: to ask a woman if she's pregnant?

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Speaker 1: And it was like none of these times, you know, yep, and.

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Speaker 3: So you know, and so they were just like, you know, yeah, yeah,

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Speaker 3: well not dragged, but people were like I just said.

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Speaker 1: You just don't know what people are going through, you

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Speaker 1: know when, and so just.

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Speaker 3: To not I mean, I get it, you know, because

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Speaker 3: I mean, I mean, who's not not curious when you

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Speaker 3: see a woman's beeny like, oh, she's pregnant.

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Speaker 1: I get it.

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Speaker 3: But so many times that people are going through something

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Speaker 3: and it can be really difficult. I had a miscarriage,

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Speaker 3: like a two years ago, and I remember on social

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Speaker 3: media everyone was like, ooh girl, I see you.

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Speaker 1: I know he's pregnant, and he's pregnant. I was like, actually, no,

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Speaker 1: the baby died, but thanks, and I get it.

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Speaker 3: I mean, no one was asking maliciously and that wasn't

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Speaker 3: what it was about. But it was just every I mean,

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Speaker 3: so many people were like, I know you're pregnant. I

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Speaker 3: see I know, and I'm like, oh my. I literally

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Speaker 3: had to just like log off because it was like,

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Speaker 3: oh my gosh, like I'm not pregnant anymore, like you know,

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Speaker 3: so I just you know. So I wasn't dragged for that,

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Speaker 3: but definitely a lot of people were like, I think

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Speaker 3: that's unfair. Someone actually said in that post like something like, well,

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Speaker 3: my mother told me that if I'm curre is to ask.

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Speaker 4: I'm like, it's about being empathetic and not judging people,

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Speaker 4: like I think I'll teach my future kids that to

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Speaker 4: not judge.

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Speaker 2: And you never know what's going on in Smiles's lives

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Speaker 2: before you snap that photo, you know, tweet about them.

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Speaker 2: They could make a mean tweet about them.

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Speaker 1: You ask questions.

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Speaker 2: Exactly, your maness is not worth it.

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Speaker 3: It's not I mean, and just think about like, you know,

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Speaker 3: I always think about when I post. You know, I

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Speaker 3: have never had to post something that I won't say never,

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Speaker 3: I mean not not that I can remember that I

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Speaker 3: have to like, oh, I should remove this because this

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Speaker 3: is really like crazy. Like I said, you know the

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Speaker 3: coatsne if you think people are mad, I'm not, but

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Speaker 3: they could stay mad because I wasn't wrong and I

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Speaker 3: wasn't being judgmental. I was trying to be helpful and

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Speaker 3: so but I just think that sometimes we post without thinking.

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Speaker 1: But I don't know what Constant was thinking. I mean

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Speaker 1: when when what what? Like universe would that be? Okay?

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Speaker 2: I think we're gonna feel sorry for you. Do you

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Speaker 2: want sympathy? Honey? Boo boo?

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Speaker 3: Child?

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Speaker 2: Like you have to think about how people will perceive

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Speaker 2: that you are a wealthy person and in a career

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Speaker 2: that is very glamorous, you know, making tons of money,

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Speaker 2: and to complain about the fact that you have a

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Speaker 2: job when it was also like this is so terrible.

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Speaker 2: It's also the week when all the other shows get canceled,

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Speaker 2: and you know, you see all these headlines of all

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Speaker 2: these shows that get canceled, and then she's out here

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Speaker 2: complaining about hers being renewed. So yikes, she's got She's

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Speaker 2: like deleted the tweet some of the tweets and has

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Speaker 2: gone under cover.

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Speaker 1: But she yeah, she's gonna go on set now. They're

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Speaker 1: gonna look at her life.

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Speaker 2: Right too, Like come on. So that is your your

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Speaker 2: entertainment news. One last thing though, that people are probably

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Speaker 2: wondering about. We're talking about China trade war. Ug in.

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Speaker 2: I thought this had kind of died down, but Trump

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Speaker 2: and China just can't get along, mister master negotiator. Just

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Speaker 2: all we keep doing is increasing taxes on Chinese products,

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Speaker 2: and they're increasing taxes on our stuff in turn. And

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Speaker 2: if you're wondering, like what impact this has on you,

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Speaker 2: there's a report that came out because we're talking about

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Speaker 2: like so much of your stuff, all those appliances, Tiffany

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Speaker 2: that you just bought, China probably produce them. And I

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Speaker 2: think washing machines are one of the products that, like

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Speaker 2: the big manufacturers of household appliances have been rolling in

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Speaker 2: cash because the extra tariffs that China has imposed on

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Speaker 2: those products has has led to price increases that have

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Speaker 2: helped them out but then gotten passed down to consumers.

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Speaker 2: But this new report says that increasing taxes or tariffs

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Speaker 2: on Chinese goods would cost a US family of for

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Speaker 2: almost eight hundred dollars a year and could lead to

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Speaker 2: nearly a million jobs being lost. And that list of

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Speaker 2: appliances that could be impacted by these increased tariffs like

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Speaker 2: air conditioners. I mentioned, appliances including refrigerators, parts that go

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Speaker 2: into cars, bicycles, clothing, I means like everything, cosmetics, electronics,

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Speaker 2: even some foods, furniture, hand oh my god, home improvement items. Yeah,

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Speaker 2: Enrique is gonna love that. And it may be things

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Speaker 2: that you don't notice and maybe like a dollar here,

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Speaker 2: five dollars there, or you know, eighty bucks that we're

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Speaker 2: talking about a big appliance. But these types of like

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Speaker 2: it may sound like very abstract, you know, China US

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Speaker 2: trade war, but it's really hitting our wallets now.

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Speaker 1: Yeah.

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Speaker 3: I remember, even when I was getting my cabinets, the

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Speaker 3: guy was like, Okay, so at any moment, you know,

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Speaker 3: they're going to send me a facts or whatever saying

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Speaker 3: that you know that there is the price has increased

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Speaker 3: because of increased taxes on what we're ordering.

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Speaker 1: So he was like, so as soon as.

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Speaker 3: You know what you want, let me know. I remember

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Speaker 3: that was like a very real thing. As I was

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Speaker 3: like deciding what to get. You know that at any

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Speaker 3: moment it could go up significantly, and so you know,

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Speaker 3: it's it affects everyone, whether you're renovating, whether you're just

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Speaker 3: getting your carpex. So you know that's like I mean

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Speaker 3: to quote the great Rodney King. Can't we all just

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Speaker 3: get along?

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Speaker 1: Ye?

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Speaker 2: Not today? Not today apparently, so uh think about that. Man,

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Speaker 2: Look what y'all's president is doing?

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Speaker 1: Like, not my president, not my president.

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Speaker 2: That's your buzzworthy. Anything else you want to chat about.

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Speaker 1: There's one thing.

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Speaker 3: But I think I'm gonna make my brown.

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Speaker 2: Break tease us. Okay, fine, that's cool. All right, well

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Speaker 2: let's take a quick break and we'll be right back.

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Speaker 1: We're back. We're back. We're brown.

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Speaker 2: Oh okay, we were brown and now we're proud. I

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Speaker 2: can't even do I don't have that octave.

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Speaker 3: Yeah, I had that lower I didn't even know that

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Speaker 3: I had a deeper voice until someone was like, I

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Speaker 3: was like maybe in middle school.

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Speaker 1: They're like, Tiffany, you have a deep voice, and I'm like, dure,

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Speaker 1: you do.

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Speaker 2: I think that's what makes our show easy to listen

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Speaker 2: to is because we sound so different theage voice. Oh

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Speaker 2: it's hard to hear myself say.

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Speaker 3: Really, I feel like I could go high because sometimes

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Speaker 3: when I get excited, I'm definitely you know.

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Speaker 1: But I didn't, you know, I'm like I have a deep.

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Speaker 3: Because one time, I remember, I didn't realize I guess

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Speaker 3: too till high school, you know, and guys if I

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Speaker 3: was like sneaking and talking on the phone to a boy,

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Speaker 3: and they'd be like ooh, Tiffany, and I'm like what what?

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Speaker 3: And they thought I was trying to like le I

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Speaker 3: was literally just talking. I was trying to be sexy,

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Speaker 3: not trying to be sexy. I'm fourteen. So what's up next?

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Speaker 3: So we're gonna we're doing we do brown break brown

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Speaker 3: boost now breaks yep, good round.

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Speaker 1: Break round bruist. So are you gonna break or are

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Speaker 1: you gonna have boost?

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Speaker 2: I'm gonna take a break, an easy break.

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Speaker 1: Okay, I'm gonna take a break too, but I'm gonna

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Speaker 1: go first.

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Speaker 2: Okay, so you got it.

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Speaker 1: I should have listened to my sister, but I didn't.

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Speaker 3: So I use robin hood to like just buy stocks,

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Speaker 3: you know, not like seriously, like you know, I'm not

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Speaker 3: spending tens of thousands of dollars just sometimes a few

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Speaker 3: hundred here, a few hundred there. And so typically my

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Speaker 3: sister Carol, she is the fourth I'm like third fourth

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Speaker 3: in line, and Carol like studies market and like you know,

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Speaker 3: she doesn't really invest right now because she's like saving.

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Speaker 3: She got two kids, so cha who has the extra income,

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Speaker 3: But she definitely studies the market. And we kind of

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Speaker 3: have like a group chat where she'll say something like

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Speaker 3: like beyond me, for for example, just iPod, and so

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Speaker 3: I bought.

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Speaker 1: Some shares and.

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Speaker 3: I did pretty good. I mean, like you know, it's

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Speaker 3: definitely it's I didn't buy as quickly as I should

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Speaker 3: have because they're like doubled that day, I think, I

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Speaker 3: think it they opened at like forty five or like

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Speaker 3: twenty five or something like that and they closed at

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Speaker 3: like seventy.

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Speaker 2: And beyond Me. I actually just had my first beyond

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Speaker 2: Hamburger by accident, and it was the first I'd ever

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Speaker 2: heard of them. And now I heard that they're going

400
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Speaker 2: public and it was like all the news today, but

401
00:19:23,200 --> 00:19:24,639
Speaker 2: they're like Vegan meats, right.

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00:19:24,800 --> 00:19:26,760
Speaker 3: Yeah, but they already went public and they did very well.

403
00:19:26,760 --> 00:19:30,160
Speaker 3: They ipid iPod very well. Like they like Rodrew Bold

404
00:19:30,840 --> 00:19:34,560
Speaker 3: or tripled. So so Uber was coming out and I

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Speaker 3: think my mom put in the group chat. I didn't

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Speaker 3: even know she was in the group chat. I was like, Sylvia,

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Speaker 3: what are you doing here? She was like, hey heard

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Speaker 3: that Uber is ipoing today, you know, like initial public

409
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Speaker 3: offering for those of you asking what IPO means?

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Speaker 1: Should we buy?

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Speaker 3: You know, because I put I put Robin Hood on

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Speaker 3: everyone's phone, including my mom and my dad, and so

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Speaker 3: now you know, Sylvia thinks she's doing something. And my

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Speaker 3: sister Carol was like, m I don't know, you know,

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Speaker 3: it's not looking good after doing our research. I you know,

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Speaker 3: I likely would it. I didn't listen. I was like,

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Speaker 3: shoe girl, let me get five of these shares.

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Speaker 1: And so I think I got five shares at forty

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Speaker 1: two bucks apiece.

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Speaker 3: You know, feeling my beat, you know, I was like,

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Speaker 3: I mean, like I said, I don't you know, I didn't.

422
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Speaker 3: I'm not spending a ton of money, but still it's money.

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Speaker 3: So they of course had the worst IPO in history,

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Speaker 3: the worst IPO history, Like it opened at I wanted

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Speaker 3: it open that. I think it opened at forty one

426
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Speaker 3: or something like that. It closed like at like it's

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Speaker 3: right now at thirty nine, the worst IPO in history.

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Speaker 1: I mean everyone is like shesh.

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Speaker 2: I'm sure there's worse IPOs.

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Speaker 3: No, No, I think like it was like Facebook didn't

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Speaker 3: do well when it first ipo, but it was like there,

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Speaker 3: I think I read somewhere that it was like the

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Speaker 3: worst IPO. Yeah, I know, so, I mean it wasn't.

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Speaker 3: I'm not I'm not even being sarcastic. I really believe

435
00:20:56,560 --> 00:20:59,160
Speaker 3: that that's what I read somewhere Uber ipo. Let me see

436
00:20:59,160 --> 00:21:01,919
Speaker 3: it like what it's coming up, but yeah, that it

437
00:21:02,000 --> 00:21:05,480
Speaker 3: was really really really it was really bad.

438
00:21:05,680 --> 00:21:07,879
Speaker 2: Lift had a bad IPO too, and that's one of

439
00:21:07,920 --> 00:21:10,400
Speaker 2: the reasons why when Uber, well, I don't really ever

440
00:21:10,440 --> 00:21:13,199
Speaker 2: get that excited about IPOs and like invest in and

441
00:21:13,359 --> 00:21:16,360
Speaker 2: I think my husband he's like invested in a couple recently,

442
00:21:16,800 --> 00:21:19,359
Speaker 2: not a ton, but a little bit. But yeah, like

443
00:21:19,400 --> 00:21:22,159
Speaker 2: seeing Lyft and Uber and they're also older companies, and

444
00:21:22,240 --> 00:21:24,200
Speaker 2: I feel like the shine has kind of worn off

445
00:21:24,240 --> 00:21:29,120
Speaker 2: the the ride share industry, and especially like Uber's all

446
00:21:29,240 --> 00:21:33,720
Speaker 2: the workplace, you know, things that came to light about

447
00:21:33,760 --> 00:21:36,000
Speaker 2: like sexual harassment and how they have like a toxic

448
00:21:36,119 --> 00:21:39,760
Speaker 2: work culture. I don't know. So I was watching their

449
00:21:39,800 --> 00:21:41,840
Speaker 2: IPO and that I mean, at least you only got

450
00:21:41,880 --> 00:21:42,920
Speaker 2: five shares.

451
00:21:43,200 --> 00:21:44,960
Speaker 3: Yeah, that's and I usually only get like you know,

452
00:21:45,040 --> 00:21:48,080
Speaker 3: like literally like I just use Robinhood to kind of

453
00:21:48,119 --> 00:21:50,639
Speaker 3: like you know, practice and play. So I was like,

454
00:21:50,680 --> 00:21:52,600
Speaker 3: you know, I'm gonna get five And of course Carol,

455
00:21:52,640 --> 00:21:55,199
Speaker 3: I didn't tell my so I whope, group chat is

456
00:21:55,200 --> 00:21:57,440
Speaker 3: not listening. So like at the end of the day,

457
00:21:57,520 --> 00:21:59,320
Speaker 3: you know, when the market closed, Carol like, you know,

458
00:21:59,359 --> 00:22:01,720
Speaker 3: did a show was such a screenshot like open Clothes.

459
00:22:01,840 --> 00:22:04,719
Speaker 3: She was like, you're welcome, guys. They had a terrible IPO.

460
00:22:04,840 --> 00:22:10,920
Speaker 1: It's like, hey, yeah, yeah, thought so Karap, you're listening.

461
00:22:11,080 --> 00:22:12,520
Speaker 1: You're right, she told us.

462
00:22:12,560 --> 00:22:14,000
Speaker 3: She was like, just wait, I don't think it's you know,

463
00:22:14,040 --> 00:22:15,879
Speaker 3: I don't think it's going to do well today, and

464
00:22:16,880 --> 00:22:18,800
Speaker 3: you know, I don't know how Uber's going to do overall.

465
00:22:18,880 --> 00:22:21,400
Speaker 3: Because the truth is a lot of these companies are

466
00:22:21,440 --> 00:22:25,760
Speaker 3: not profitable, and it's such a strange culture where not

467
00:22:25,920 --> 00:22:28,800
Speaker 3: being profitable it is actually okay, and I don't think.

468
00:22:28,640 --> 00:22:29,320
Speaker 1: People get it.

469
00:22:29,359 --> 00:22:32,959
Speaker 3: Like so for me, regular people when they have their business,

470
00:22:33,240 --> 00:22:36,680
Speaker 3: if you're not profitable, that's really bad because that means

471
00:22:36,680 --> 00:22:39,199
Speaker 3: you're not making any money. That means, you know, you

472
00:22:39,280 --> 00:22:42,720
Speaker 3: spent one hundred thousand dollars to make ninety thousand, you're

473
00:22:42,760 --> 00:22:47,040
Speaker 3: not profitable. But for these big mega companies, they're okay

474
00:22:47,119 --> 00:22:51,120
Speaker 3: with not being profitable. Amazon was not profitable until like recently,

475
00:22:51,640 --> 00:22:54,240
Speaker 3: like most of these megative companies are not making a profit.

476
00:22:54,760 --> 00:22:56,360
Speaker 1: Instead, they are.

477
00:22:56,440 --> 00:22:59,600
Speaker 3: Valued, like you know, they have this valuation, meaning that

478
00:23:00,160 --> 00:23:02,480
Speaker 3: it's somewhere along the line the market or whatever has

479
00:23:02,520 --> 00:23:05,159
Speaker 3: decided that this company is worth this amount of money.

480
00:23:05,600 --> 00:23:07,840
Speaker 3: So in their mind it's okay that they're not making

481
00:23:07,880 --> 00:23:11,720
Speaker 3: profit as a company, but that if they were to

482
00:23:11,800 --> 00:23:14,240
Speaker 3: sell it, they would get their money back plus them.

483
00:23:14,960 --> 00:23:16,679
Speaker 3: And so many of these companies don't belong to the

484
00:23:16,720 --> 00:23:19,199
Speaker 3: original owners. If you guys ever listen to How I

485
00:23:19,200 --> 00:23:22,119
Speaker 3: Built this. If they're like a it's like a podcast

486
00:23:21,840 --> 00:23:25,560
Speaker 3: about like business of people who start businesses and they're

487
00:23:25,600 --> 00:23:29,159
Speaker 3: really successful with out like Whole Foods, and so people

488
00:23:29,200 --> 00:23:31,959
Speaker 3: want these huge valuations, but more and more it's all

489
00:23:32,000 --> 00:23:35,520
Speaker 3: smoking mirrors, you know, and so and people will give

490
00:23:35,560 --> 00:23:38,560
Speaker 3: away like I don't I don't have any any adventure

491
00:23:38,600 --> 00:23:42,720
Speaker 3: capital money. So venture capitalists are people who give you

492
00:23:42,800 --> 00:23:45,840
Speaker 3: money for your company, typically in exchange for peace of

493
00:23:45,880 --> 00:23:49,560
Speaker 3: your company, because the thought is that one day you'll

494
00:23:49,640 --> 00:23:52,320
Speaker 3: sell and then they'll get their money back plus plus

495
00:23:52,320 --> 00:23:54,879
Speaker 3: a lot. So sometimes they don't They're okay with you

496
00:23:54,920 --> 00:23:57,679
Speaker 3: not being profitable. But it's a very strange culture in

497
00:23:57,800 --> 00:24:01,159
Speaker 3: business now where there are people who I listened to

498
00:24:01,160 --> 00:24:03,640
Speaker 3: on how I built this who now only own four

499
00:24:03,640 --> 00:24:06,159
Speaker 3: percent five percent of their company. And I'm like, so,

500
00:24:06,200 --> 00:24:10,359
Speaker 3: you you started this whole dream, you worked really hard,

501
00:24:10,720 --> 00:24:13,639
Speaker 3: you busted your behind to start the budget Pisa, let's say,

502
00:24:14,160 --> 00:24:16,359
Speaker 3: and you sold pieces of it off. So I mean

503
00:24:16,400 --> 00:24:18,240
Speaker 3: you can grow because you need money to grow, and

504
00:24:18,240 --> 00:24:20,879
Speaker 3: you didn't have the money yourself. And now, as typically

505
00:24:20,920 --> 00:24:25,400
Speaker 3: the budgetiessa, I only own four percent of my baby,

506
00:24:25,440 --> 00:24:28,160
Speaker 3: and so when we sell it for one hundred million dollars,

507
00:24:28,240 --> 00:24:29,040
Speaker 3: I get four million.

508
00:24:29,359 --> 00:24:31,480
Speaker 1: It just seems crazy. I just I'm not down with that.

509
00:24:31,760 --> 00:24:33,359
Speaker 3: I own one hundred percent of the bunche Oftesa, and

510
00:24:33,400 --> 00:24:35,840
Speaker 3: I know I'm not as big obviously as Uber, and

511
00:24:35,880 --> 00:24:37,560
Speaker 3: so it's one of the reasons why people do that.

512
00:24:37,560 --> 00:24:39,199
Speaker 3: It's because they want to be able to scale and

513
00:24:39,240 --> 00:24:41,480
Speaker 3: grow quickly. So you get a lot of money you

514
00:24:41,560 --> 00:24:43,320
Speaker 3: invest into the company to grow quickly.

515
00:24:43,800 --> 00:24:46,760
Speaker 1: But I just I don't know. It just it seems

516
00:24:46,760 --> 00:24:47,119
Speaker 1: weird to me.

517
00:24:47,200 --> 00:24:50,480
Speaker 3: So that's why my round break is like it's inflated

518
00:24:51,040 --> 00:24:56,119
Speaker 3: companies because I just don't see the point. I guess,

519
00:24:56,480 --> 00:24:58,040
Speaker 3: but I mean people like Jeff Bezos is like the

520
00:24:58,119 --> 00:25:01,040
Speaker 3: richest man in the country, so clearly he knows something

521
00:25:01,040 --> 00:25:03,159
Speaker 3: that I do. I just don't get how running a

522
00:25:03,200 --> 00:25:05,320
Speaker 3: nonprofitable business is like that it's the goal.

523
00:25:05,480 --> 00:25:09,840
Speaker 2: You know, did he invest in Uber Jeff Bezos?

524
00:25:09,920 --> 00:25:11,560
Speaker 1: Yeah, he's the CEO of Amazon.

525
00:25:11,880 --> 00:25:13,480
Speaker 2: I know. I was just wondering, why what did he

526
00:25:13,520 --> 00:25:14,120
Speaker 2: have to do with.

527
00:25:14,520 --> 00:25:16,399
Speaker 3: Oh no, I was just saying that, like Amazon is

528
00:25:16,400 --> 00:25:18,880
Speaker 3: not profitable or was like just recently profitable, even though

529
00:25:18,880 --> 00:25:21,080
Speaker 3: it's like this huge conglomerate. It's like, this is a

530
00:25:21,080 --> 00:25:21,720
Speaker 3: man who's like the.

531
00:25:21,680 --> 00:25:23,679
Speaker 2: Recent Amazon hasn't been profitable.

532
00:25:24,080 --> 00:25:27,040
Speaker 3: It wasn't Yeah, it wasn't profitable for a long time time.

533
00:25:27,600 --> 00:25:29,919
Speaker 3: And you're like, I mean like more recently than not,

534
00:25:30,119 --> 00:25:33,200
Speaker 3: you know, And I was like, how don't I don't

535
00:25:33,200 --> 00:25:36,480
Speaker 3: get it? You know, yeah, I know, I'm not gonna

536
00:25:36,920 --> 00:25:37,920
Speaker 3: I'm not. I don't get it.

537
00:25:38,000 --> 00:25:43,160
Speaker 2: So crazy, Well, that's why you know, play money, play

538
00:25:43,200 --> 00:25:45,560
Speaker 2: money in Robinhood like money you're not going to miss.

539
00:25:46,040 --> 00:25:46,480
Speaker 1: Yeah.

540
00:25:46,680 --> 00:25:49,640
Speaker 3: So like for example, Amazon, it took it took Amazon

541
00:25:49,720 --> 00:25:52,720
Speaker 3: fourteen years to be profitable, and I'm like, that's a long.

542
00:25:52,600 --> 00:25:55,439
Speaker 2: Time, you know, So you have to have the stomach

543
00:25:55,480 --> 00:25:55,760
Speaker 2: for it.

544
00:25:56,160 --> 00:25:56,760
Speaker 1: Yeah, you do.

545
00:25:57,240 --> 00:26:01,280
Speaker 3: But sometimes I feel like profits are not the problem. Know, yeah,

546
00:26:01,520 --> 00:26:02,280
Speaker 3: like that they don't.

547
00:26:02,280 --> 00:26:02,560
Speaker 1: They're not.

548
00:26:02,680 --> 00:26:06,200
Speaker 3: They're not They're not aiming for profit. They're aiming for

549
00:26:06,240 --> 00:26:09,359
Speaker 3: scale and growth and selling. That's what's happening right now

550
00:26:09,680 --> 00:26:12,200
Speaker 3: is that people are like grow big, grow fast, sound

551
00:26:12,240 --> 00:26:15,399
Speaker 3: like our money, and like I'm like, okay, but I

552
00:26:15,440 --> 00:26:17,560
Speaker 3: mean I don't know that that's sustainable. And maybe that's

553
00:26:17,560 --> 00:26:19,280
Speaker 3: a bubble that that's happening, you know.

554
00:26:21,000 --> 00:26:24,200
Speaker 2: I mean, it just seems like these tech companies are

555
00:26:24,440 --> 00:26:26,919
Speaker 2: having a harder time like the they're just like they

556
00:26:26,960 --> 00:26:29,120
Speaker 2: were the unicorns ten years ago. And I think there's

557
00:26:29,119 --> 00:26:31,320
Speaker 2: such shine has worn off, you know, like even Pinterest

558
00:26:31,760 --> 00:26:34,919
Speaker 2: went public recently and there they've walked back, you know,

559
00:26:35,000 --> 00:26:37,520
Speaker 2: their early gains and stuff. So I don't know, I'm

560
00:26:37,520 --> 00:26:42,520
Speaker 2: just gonna stick to my SMP five hundred indexs FU Yeah, yeah, fine.

561
00:26:42,680 --> 00:26:46,000
Speaker 2: I recently I recently liquidated my robin Hood account because

562
00:26:46,040 --> 00:26:48,920
Speaker 2: I was like, I'm good, I made like one hundred

563
00:26:48,960 --> 00:26:52,760
Speaker 2: dollars and I'm like, okay, that's enough. Still, I'm up.

564
00:26:52,800 --> 00:26:55,080
Speaker 3: I'm like, you know, what's iffany overall? I think if

565
00:26:55,080 --> 00:26:56,840
Speaker 3: I look at all, I'm looking at it right, I'm up.

566
00:26:57,119 --> 00:27:01,040
Speaker 3: So I started it August fifth, twenty sixteen, and I'm so,

567
00:27:01,040 --> 00:27:03,760
Speaker 3: I'm like, I'm good. I made about twelve hundred dollars.

568
00:27:03,840 --> 00:27:05,320
Speaker 3: I'm like, okay, this is.

569
00:27:05,280 --> 00:27:06,200
Speaker 1: Kind of like my little play.

570
00:27:06,240 --> 00:27:06,440
Speaker 2: Yeah.

571
00:27:06,560 --> 00:27:09,080
Speaker 1: So, but yeah, I definitely was like, oh, I should

572
00:27:09,119 --> 00:27:09,840
Speaker 1: have listened to Carol.

573
00:27:10,440 --> 00:27:12,040
Speaker 2: What about the stomach for the long term?

574
00:27:12,080 --> 00:27:16,320
Speaker 1: You know, exactly what about you? What are you breaking for?

575
00:27:16,720 --> 00:27:21,159
Speaker 2: I've got to break anti vaxxers. I know there's not

576
00:27:21,240 --> 00:27:24,120
Speaker 2: necessarily a personal finance element. I mean, if you don't

577
00:27:24,119 --> 00:27:26,920
Speaker 2: have insurance and your kid gets measles because some women

578
00:27:27,119 --> 00:27:29,399
Speaker 2: decided on to vaccinate her some man or women decide

579
00:27:29,440 --> 00:27:31,240
Speaker 2: on to the vaccinate her child, then yes, that could

580
00:27:31,280 --> 00:27:34,360
Speaker 2: cost you money. But this I just can't believe we're

581
00:27:34,480 --> 00:27:38,600
Speaker 2: still having to debate the merits of vaccinations, in that

582
00:27:38,760 --> 00:27:41,879
Speaker 2: there are so many studies that you know, researchers with

583
00:27:42,119 --> 00:27:47,760
Speaker 2: science has shown that these inaccurate falsified. You know, reports

584
00:27:47,800 --> 00:27:51,240
Speaker 2: that showed that vaccinations linked or linked to autism have

585
00:27:51,320 --> 00:27:55,080
Speaker 2: been debunked up and down the world by all kinds

586
00:27:55,119 --> 00:27:58,560
Speaker 2: of very very smart people, and still, you know, there

587
00:27:58,600 --> 00:28:01,919
Speaker 2: people are like this most recent outbreak is still raging

588
00:28:01,960 --> 00:28:05,080
Speaker 2: on hundreds of cases across the country, and like especially

589
00:28:05,160 --> 00:28:10,120
Speaker 2: in New York. They're actually targeting Orthodox Jewish communities, which

590
00:28:10,160 --> 00:28:12,879
Speaker 2: I find troubling. And you know, I've I've heard this

591
00:28:12,920 --> 00:28:15,680
Speaker 2: really sad or heard this really sad report that on

592
00:28:15,720 --> 00:28:19,439
Speaker 2: a bus, like a Jewish Orthodox Jewish woman was with

593
00:28:19,480 --> 00:28:23,320
Speaker 2: her children and like some people uh gestured to each

594
00:28:23,320 --> 00:28:26,640
Speaker 2: other and like moved seats away from them, thinking that they,

595
00:28:27,160 --> 00:28:29,520
Speaker 2: you know, are part of this anti vaccination movement. And

596
00:28:29,560 --> 00:28:32,080
Speaker 2: it's not all Orthodox Jewish people, but it's just like

597
00:28:32,640 --> 00:28:36,119
Speaker 2: it's you know, there's they're actually this group is distributing

598
00:28:36,160 --> 00:28:39,200
Speaker 2: like old school just like paper pamphlets with you know,

599
00:28:39,440 --> 00:28:44,120
Speaker 2: false information about vaccinations in this community. And I just

600
00:28:44,520 --> 00:28:46,560
Speaker 2: I don't have any All I want to say is

601
00:28:46,560 --> 00:28:49,080
Speaker 2: just a break it like vaccinate just don't you know,

602
00:28:49,080 --> 00:28:52,480
Speaker 2: make your decisions about healthcare based on science? How about that?

603
00:28:52,800 --> 00:28:56,640
Speaker 2: Just read the facts from unbiased sources and the.

604
00:28:56,680 --> 00:28:58,240
Speaker 1: Thing is is that, like, so what happens?

605
00:28:58,240 --> 00:29:00,440
Speaker 3: Like you know, like these are things you know, I

606
00:29:00,480 --> 00:29:03,880
Speaker 3: remember I used to get my mm MMR these those

607
00:29:03,960 --> 00:29:06,600
Speaker 3: moms Rubella, And I remember that because I as I

608
00:29:06,680 --> 00:29:09,080
Speaker 3: when I taught preschool, you know, before kids could be

609
00:29:09,520 --> 00:29:11,920
Speaker 3: you know, enrolled, they had to have the MMR shot

610
00:29:12,000 --> 00:29:13,000
Speaker 3: because you know, you don't.

611
00:29:13,160 --> 00:29:14,520
Speaker 1: I mean, kids sneeze in your.

612
00:29:14,400 --> 00:29:21,600
Speaker 3: Mouth, okay, like bull base and so why I guess

613
00:29:21,680 --> 00:29:23,120
Speaker 3: I alway times a kid has sneezed in that base

614
00:29:23,120 --> 00:29:26,560
Speaker 3: and I'm like, I guess I'll die today and so

615
00:29:27,120 --> 00:29:29,200
Speaker 3: but no, but like if there's already you're already going

616
00:29:29,240 --> 00:29:30,880
Speaker 3: to get the cold, you're already going to get a flu,

617
00:29:30,960 --> 00:29:33,920
Speaker 3: You're you know, I just you know, And I know

618
00:29:34,000 --> 00:29:36,760
Speaker 3: that parents are doing it obviously because those who don't

619
00:29:37,240 --> 00:29:39,640
Speaker 3: think that they're protecting your children. But here's the thing,

620
00:29:39,920 --> 00:29:42,280
Speaker 3: they're like, as they're gonna be places that they're not

621
00:29:42,320 --> 00:29:44,240
Speaker 3: going to be allowed to go because people check for

622
00:29:44,280 --> 00:29:46,600
Speaker 3: those like I had to have my MMR shot before

623
00:29:46,640 --> 00:29:48,640
Speaker 3: I could be of a teacher. And I'm only assuming

624
00:29:48,640 --> 00:29:51,800
Speaker 3: that there are some positions where those things are checked for.

625
00:29:52,480 --> 00:29:53,920
Speaker 3: You're not going to be away to go to public

626
00:29:53,920 --> 00:29:57,920
Speaker 3: school ever, a friend of mine told me that this

627
00:29:58,160 --> 00:30:02,120
Speaker 3: uh her like a friend of friend, he didn't vaccinate

628
00:30:02,160 --> 00:30:05,360
Speaker 3: his children and they were homeschooled, and he was the

629
00:30:05,400 --> 00:30:09,360
Speaker 3: little girl was a visiting up here in Jersey and

630
00:30:09,440 --> 00:30:11,800
Speaker 3: she got really sick and the parents are like, okay,

631
00:30:11,800 --> 00:30:14,320
Speaker 3: we're on our way. She's like, yeah, no, this baby's

632
00:30:14,440 --> 00:30:16,680
Speaker 3: like really sick, and they're like, we're on our way,

633
00:30:16,720 --> 00:30:18,480
Speaker 3: don't take her. They didn't believe in hospitals, so she

634
00:30:18,520 --> 00:30:21,160
Speaker 3: took her to the hospital and they were basically like,

635
00:30:21,520 --> 00:30:24,360
Speaker 3: you got here in time. This baby had pneumonia and

636
00:30:24,440 --> 00:30:28,120
Speaker 3: it was not doing well. So what was the plan

637
00:30:29,000 --> 00:30:30,160
Speaker 3: to have her die at home?

638
00:30:30,240 --> 00:30:30,840
Speaker 1: You know what I mean?

639
00:30:30,920 --> 00:30:33,440
Speaker 3: I just at some point you have to ask yourself,

640
00:30:33,520 --> 00:30:36,200
Speaker 3: like it's you know, doing what's best for your children.

641
00:30:36,720 --> 00:30:39,720
Speaker 3: Is doing what's best for your children, not just your ideology,

642
00:30:39,800 --> 00:30:41,840
Speaker 3: you know, because because.

643
00:30:41,600 --> 00:30:43,640
Speaker 2: Really like you can raise your kids however you want,

644
00:30:43,680 --> 00:30:47,160
Speaker 2: but when it impacts other people's lives, Yeah, you know,

645
00:30:47,240 --> 00:30:50,640
Speaker 2: if your child gets ill and then spreads that around,

646
00:30:50,720 --> 00:30:53,200
Speaker 2: it's not just your problem and how you raised, because

647
00:30:53,240 --> 00:30:55,880
Speaker 2: that's the defense. It's like it's our body. We can

648
00:30:55,960 --> 00:30:57,640
Speaker 2: choose what to do with it. It's the same reason

649
00:30:57,920 --> 00:31:00,360
Speaker 2: you should get tested for STDs and we're can and

650
00:31:00,360 --> 00:31:03,040
Speaker 2: all that, because it's not just you when you're having sex,

651
00:31:03,160 --> 00:31:06,520
Speaker 2: you can pass things on to other people. And vaccinations,

652
00:31:06,680 --> 00:31:09,400
Speaker 2: I mean it's it's like, it's it's right on par

653
00:31:09,480 --> 00:31:13,280
Speaker 2: with that. If you're an HIV carrier and you're having sex,

654
00:31:13,320 --> 00:31:15,520
Speaker 2: I think you can get like, isn't that crime?

655
00:31:15,680 --> 00:31:20,520
Speaker 3: Yes, having unprotected sex knowingly without sounds crime, right, So I.

656
00:31:20,520 --> 00:31:23,720
Speaker 2: Mean in my mind it's it. You know, I haven't

657
00:31:23,720 --> 00:31:25,680
Speaker 2: really thought that through, but it seems like it could

658
00:31:25,680 --> 00:31:27,840
Speaker 2: be on par with something like that. Why don't we

659
00:31:27,880 --> 00:31:30,840
Speaker 2: have the same Why don't we have the same expectation

660
00:31:31,040 --> 00:31:34,880
Speaker 2: for vaccinations? I mean, there's a reason people came up

661
00:31:34,880 --> 00:31:37,960
Speaker 2: with vaccinations. These are diseases that you know need to

662
00:31:38,000 --> 00:31:40,560
Speaker 2: be inoculated, So why wouldn't you protect your child and

663
00:31:40,560 --> 00:31:44,760
Speaker 2: other children from it? And I'm stumped, but I'd love to,

664
00:31:44,800 --> 00:31:47,840
Speaker 2: you know, if you guys feel I'm curious from our listeners,

665
00:31:47,880 --> 00:31:49,600
Speaker 2: you know, how do you feel about vaccinations? What have

666
00:31:49,680 --> 00:31:52,120
Speaker 2: you heard? I don't have like school age children, So

667
00:31:52,160 --> 00:31:54,560
Speaker 2: if you guys have any stories of what you've heard

668
00:31:54,680 --> 00:31:59,000
Speaker 2: or any controversy in your schools about vaccinations, hit us up,

669
00:31:59,040 --> 00:32:01,239
Speaker 2: you know, shoot us a message on Instagram or at

670
00:32:01,240 --> 00:32:04,200
Speaker 2: Brand Ambition Podcast, or send us an email at Brand

671
00:32:04,200 --> 00:32:09,520
Speaker 2: Ambition Podcast at gmail dot com dot com. Which is

672
00:32:09,560 --> 00:32:10,840
Speaker 2: an amazing segue for.

673
00:32:10,880 --> 00:32:13,800
Speaker 1: Questions Questions that need answers.

674
00:32:14,080 --> 00:32:17,800
Speaker 3: As Dustin Ross, it's funny I did this podcast called

675
00:32:18,000 --> 00:32:20,480
Speaker 3: the friend Zone. He always say a thing that's called

676
00:32:20,800 --> 00:32:22,280
Speaker 3: questions that need answers.

677
00:32:24,480 --> 00:32:26,840
Speaker 2: Well, y'all made me break my Instagram.

678
00:32:27,400 --> 00:32:27,480
Speaker 1: Uh.

679
00:32:27,560 --> 00:32:28,840
Speaker 2: You know, I told you I was taking a break

680
00:32:28,840 --> 00:32:32,320
Speaker 2: from Instagram specifically for Mental Health Awareness Months, which is May.

681
00:32:33,520 --> 00:32:35,160
Speaker 2: But I didn't realize how many of you guys have

682
00:32:35,240 --> 00:32:37,760
Speaker 2: been sending us questions on the gram. So I slid

683
00:32:37,760 --> 00:32:40,280
Speaker 2: into my DMS. I ignored my own personal page. I

684
00:32:40,280 --> 00:32:42,520
Speaker 2: didn't scroll, but I went right to your questions. And

685
00:32:42,560 --> 00:32:45,959
Speaker 2: we've got like a dozen, maybe a couple dozen questions

686
00:32:45,960 --> 00:32:49,240
Speaker 2: in here from people. So let's let's read a couple

687
00:32:49,320 --> 00:32:52,760
Speaker 2: real quick. The first question is from Danny B. She

688
00:32:52,800 --> 00:32:55,200
Speaker 2: actually just let this an hour ago, so hot question

689
00:32:55,520 --> 00:32:58,040
Speaker 2: hot off the press. She says, hey, hey, hey, and

690
00:32:58,080 --> 00:33:00,720
Speaker 2: her budget eest to voice. How do you know this

691
00:33:00,800 --> 00:33:02,200
Speaker 2: is we were just talking about this. How do you

692
00:33:02,200 --> 00:33:06,280
Speaker 2: know when you're financially stable enough to begin investing in

693
00:33:06,360 --> 00:33:10,520
Speaker 2: rental properties things in advance, Tiffany, you are about to

694
00:33:10,560 --> 00:33:13,360
Speaker 2: become potentially right, Wait, did you buy the rental property

695
00:33:13,400 --> 00:33:15,200
Speaker 2: already or no? I forget you.

696
00:33:15,200 --> 00:33:16,560
Speaker 1: Said, did I do what buy?

697
00:33:17,200 --> 00:33:18,600
Speaker 2: Didn't you buy an investment property?

698
00:33:19,120 --> 00:33:19,520
Speaker 1: Yeah?

699
00:33:19,560 --> 00:33:20,880
Speaker 2: So she wants to know, how do you know when

700
00:33:20,920 --> 00:33:24,400
Speaker 2: you're financially stable enough to start investing in rental properties?

701
00:33:25,520 --> 00:33:27,800
Speaker 3: So I would say, well, One, you don't have to

702
00:33:27,840 --> 00:33:30,320
Speaker 3: be debt free, so don't think that like, oh, you

703
00:33:30,360 --> 00:33:32,920
Speaker 3: have no debt whatsoever? I don't that's you know, so

704
00:33:33,000 --> 00:33:34,280
Speaker 3: we could take that out of your mind if it

705
00:33:34,320 --> 00:33:36,920
Speaker 3: is in your mind. I would say, One, your credit

706
00:33:37,640 --> 00:33:41,840
Speaker 3: is decent because you are you know, you likely may

707
00:33:41,840 --> 00:33:44,080
Speaker 3: have to take out like a loan, whether it's to

708
00:33:44,080 --> 00:33:46,040
Speaker 3: buy the property or to pick it up. So I

709
00:33:46,040 --> 00:33:48,520
Speaker 3: would say seven fifty and above because you want to

710
00:33:48,520 --> 00:33:53,240
Speaker 3: get the highest interest rate. Two, you have savings, so

711
00:33:54,040 --> 00:33:57,160
Speaker 3: you want to have at minimum three months worth of savings,

712
00:33:57,240 --> 00:34:00,120
Speaker 3: but ideally more if you're going to invest in rental property,

713
00:34:00,440 --> 00:34:02,920
Speaker 3: because you want to be able to have, you know,

714
00:34:02,960 --> 00:34:04,760
Speaker 3: like a little bit of a cushion and backup. I

715
00:34:04,760 --> 00:34:07,520
Speaker 3: would say six months to a year, but at minimum

716
00:34:07,560 --> 00:34:09,080
Speaker 3: three months, depending on what kind of job you have.

717
00:34:09,480 --> 00:34:11,279
Speaker 3: If you're a nurse, three months might be more than

718
00:34:11,360 --> 00:34:13,840
Speaker 3: enough because it's very easy to find a nursing position

719
00:34:13,880 --> 00:34:16,080
Speaker 3: because they're always in demand. If you're an engineer, I

720
00:34:16,080 --> 00:34:19,440
Speaker 3: would say more because it's not always as easy, especially

721
00:34:19,480 --> 00:34:22,680
Speaker 3: if you're a woman, to find an engineering job. So

722
00:34:23,120 --> 00:34:25,840
Speaker 3: you have savings three you've got like a budget that

723
00:34:25,880 --> 00:34:28,480
Speaker 3: you actually stick to, Like you have there's money at

724
00:34:28,520 --> 00:34:30,600
Speaker 3: the end of the month. So if you're short every

725
00:34:30,600 --> 00:34:32,799
Speaker 3: month during a budget, I wouldn't you want to get

726
00:34:32,840 --> 00:34:34,560
Speaker 3: yourself in a space where you're like, oh, we have

727
00:34:34,600 --> 00:34:37,040
Speaker 3: a budget, we stick to it. We have a savings plan,

728
00:34:37,120 --> 00:34:39,200
Speaker 3: we stick to it. We have a debt plan, we

729
00:34:39,480 --> 00:34:42,200
Speaker 3: stick to it. It's automated, and we have you know,

730
00:34:42,280 --> 00:34:44,759
Speaker 3: decent credit. Once you're kind of there, oh, and you're

731
00:34:44,800 --> 00:34:49,600
Speaker 3: also contributing to your retirement account. If you're doing those things,

732
00:34:50,000 --> 00:34:52,960
Speaker 3: then you're kind of like it's not that you reach perfection,

733
00:34:53,080 --> 00:34:54,920
Speaker 3: but you have a plan and you're in it and

734
00:34:54,960 --> 00:34:57,560
Speaker 3: you're sticking to it for the most part, so then

735
00:34:57,840 --> 00:35:01,840
Speaker 3: then you can it's time to So retirement is investing

736
00:35:01,880 --> 00:35:05,279
Speaker 3: for life, but like that kind of investing real estate

737
00:35:05,320 --> 00:35:08,360
Speaker 3: investing and anything beyond that, it's investing for wealth.

738
00:35:08,680 --> 00:35:09,439
Speaker 1: So that's what I say.

739
00:35:09,480 --> 00:35:13,120
Speaker 3: Anyway, So you know, everyone should be investing for life,

740
00:35:13,520 --> 00:35:15,600
Speaker 3: so like right away, you should be investing for retirement

741
00:35:15,600 --> 00:35:19,200
Speaker 3: because God willing where you'll all get older. But once

742
00:35:19,239 --> 00:35:21,920
Speaker 3: you have the foundation that I just mentioned, then investing

743
00:35:21,960 --> 00:35:24,840
Speaker 3: for wealth it's you know, the next most logical steps,

744
00:35:24,880 --> 00:35:27,640
Speaker 3: so then you can get get get you know, jiggy

745
00:35:27,680 --> 00:35:30,280
Speaker 3: with it. I mean, so that's where Superman and I

746
00:35:30,360 --> 00:35:32,560
Speaker 3: are now, Like you know, we brought our first part.

747
00:35:32,600 --> 00:35:34,359
Speaker 3: We haven't done anything with it, which has been it's

748
00:35:34,360 --> 00:35:36,719
Speaker 3: just been the other house has just been hoof like

749
00:35:36,800 --> 00:35:40,839
Speaker 3: a task. So once the other house we've moved in,

750
00:35:41,200 --> 00:35:44,279
Speaker 3: will start to really work on the investment property. But

751
00:35:44,320 --> 00:35:46,080
Speaker 3: I definitely have my eye out on other pieces of

752
00:35:46,120 --> 00:35:48,759
Speaker 3: investment property that might be a good match. But it's

753
00:35:48,800 --> 00:35:51,800
Speaker 3: a great way to grow wealth, honestly, And it's a

754
00:35:51,840 --> 00:35:54,120
Speaker 3: great way to grow wealth outside of the traditional investing

755
00:35:54,400 --> 00:35:56,520
Speaker 3: if you like to have wealth that you can physically

756
00:35:56,600 --> 00:35:57,680
Speaker 3: kind of see.

757
00:35:58,120 --> 00:36:00,120
Speaker 2: You brought that out right in cash, right.

758
00:36:00,440 --> 00:36:02,279
Speaker 1: Yeah, because it was ten thousand dollars, so it was

759
00:36:02,280 --> 00:36:03,160
Speaker 1: a coreclosure.

760
00:36:03,440 --> 00:36:05,279
Speaker 2: Yeah, if I if I was able to and I

761
00:36:05,320 --> 00:36:06,800
Speaker 2: think in a couple of years, we'll be ready, like

762
00:36:06,840 --> 00:36:09,160
Speaker 2: if we had enough cash to buy, Like I always

763
00:36:09,200 --> 00:36:11,839
Speaker 2: think about Georgia. I feel like my family, I still

764
00:36:11,880 --> 00:36:13,600
Speaker 2: have family there, and I think about buying like a

765
00:36:13,600 --> 00:36:16,759
Speaker 2: little apartment or house in Georgia and renting it out.

766
00:36:16,760 --> 00:36:19,640
Speaker 2: And that's just a more reasonable place I could afford

767
00:36:19,680 --> 00:36:21,880
Speaker 2: to pay cash for something because I wouldn't want to

768
00:36:21,880 --> 00:36:24,280
Speaker 2: have another mortgage payment. So that's something that I consider

769
00:36:24,719 --> 00:36:26,640
Speaker 2: and just the stomach for it in like the time,

770
00:36:26,719 --> 00:36:28,880
Speaker 2: because you do need to be like if you're going

771
00:36:28,920 --> 00:36:30,840
Speaker 2: to rent it out, Because she's talking about rental properties.

772
00:36:30,840 --> 00:36:33,800
Speaker 2: I don't know if you guys were thinking about renting, Yes, okay,

773
00:36:33,880 --> 00:36:36,239
Speaker 2: so you know whether you would whether you hire a

774
00:36:36,280 --> 00:36:40,040
Speaker 2: property management company to do like find tenants for you

775
00:36:40,120 --> 00:36:42,319
Speaker 2: and all that. It's still going to take like some bandwidth.

776
00:36:42,360 --> 00:36:45,880
Speaker 2: So and I'd want to like do my research and

777
00:36:46,360 --> 00:36:49,120
Speaker 2: make sure that I was making like something that was

778
00:36:49,120 --> 00:36:51,759
Speaker 2: a sound investment, because it can be a nice source

779
00:36:51,800 --> 00:36:54,319
Speaker 2: of income, but not if it's you know, if you

780
00:36:54,520 --> 00:36:56,960
Speaker 2: choose the wrong location or if you don't you don't

781
00:36:57,000 --> 00:36:59,160
Speaker 2: buy something that's in a location where there are renting.

782
00:36:59,400 --> 00:37:01,680
Speaker 2: You know a lot of renters, people who want to rent,

783
00:37:03,040 --> 00:37:06,359
Speaker 2: so it's a it's like next level. But I agree

784
00:37:06,360 --> 00:37:11,440
Speaker 2: with Tiffany, you know, focus on that retirement fund savings first,

785
00:37:11,440 --> 00:37:14,080
Speaker 2: and then when you feel comfortable that you're still able

786
00:37:14,080 --> 00:37:16,480
Speaker 2: to keep that up and invest in, you know, an

787
00:37:16,480 --> 00:37:18,799
Speaker 2: additional property, then that's probably a good time.

788
00:37:19,480 --> 00:37:19,680
Speaker 1: Yeah.

789
00:37:19,680 --> 00:37:21,880
Speaker 3: And also so just just like start doing your research

790
00:37:21,920 --> 00:37:24,480
Speaker 3: now because it you know, just because you don't have

791
00:37:24,600 --> 00:37:26,920
Speaker 3: the funds now, let's just say you're like, m, my

792
00:37:26,960 --> 00:37:28,799
Speaker 3: credit score is not where I wanted to be. We

793
00:37:28,920 --> 00:37:30,879
Speaker 3: still are maybe a year off before we have enough

794
00:37:30,920 --> 00:37:34,520
Speaker 3: of you know, savings. This is the perfect time then

795
00:37:34,560 --> 00:37:37,040
Speaker 3: to do your research because either way, you're going to

796
00:37:37,120 --> 00:37:38,920
Speaker 3: have to do your research and it takes time anyway.

797
00:37:39,320 --> 00:37:42,080
Speaker 3: So use this time to really do some research about

798
00:37:42,120 --> 00:37:44,000
Speaker 3: what kind of property you want. Maybe go to an

799
00:37:44,000 --> 00:37:46,000
Speaker 3: auction just to sit in and see how it goes,

800
00:37:46,480 --> 00:37:49,239
Speaker 3: you know, start talking to realtors about your interests and

801
00:37:49,280 --> 00:37:51,399
Speaker 3: finding a good realtor. If you're going to be doing

802
00:37:51,440 --> 00:37:54,440
Speaker 3: fixing up things, start asking friends about their contractors.

803
00:37:54,520 --> 00:37:56,680
Speaker 1: So doing your research ahead of.

804
00:37:56,680 --> 00:37:58,839
Speaker 3: Time is really going to save you time when you're

805
00:37:58,880 --> 00:38:00,400
Speaker 3: in the financial position move.

806
00:38:01,400 --> 00:38:04,600
Speaker 2: One hundred percent. Well, thank you for your question, Danny, b.

807
00:38:05,440 --> 00:38:06,360
Speaker 1: Yeah, it's a great question.

808
00:38:06,640 --> 00:38:09,359
Speaker 2: Let's see scroll into the gram. Okay, so how about

809
00:38:09,400 --> 00:38:13,440
Speaker 2: this question from Yourrehanna GT. Pretty name, I think that's

810
00:38:13,440 --> 00:38:17,240
Speaker 2: her name. Another Hey, Hey, hey, I hope you're doing great,

811
00:38:17,320 --> 00:38:20,080
Speaker 2: Love you both. I have a quick question regarding secured

812
00:38:20,120 --> 00:38:23,440
Speaker 2: credit cards? Can we open more than one? And if

813
00:38:23,440 --> 00:38:25,560
Speaker 2: I do, will it actually help me increase my credit

814
00:38:25,640 --> 00:38:27,799
Speaker 2: score faster? I keep going up and down on my

815
00:38:27,840 --> 00:38:31,959
Speaker 2: credit score, mostly because of my debt to my debt

816
00:38:32,000 --> 00:38:35,799
Speaker 2: to available credit limit ratio her utilization ratio. I want

817
00:38:35,840 --> 00:38:37,359
Speaker 2: to buy a home and I don't have a good

818
00:38:37,480 --> 00:38:41,200
Speaker 2: enough credit score, at least I don't think. So what

819
00:38:41,280 --> 00:38:43,239
Speaker 2: can we tell her about secured cards and whether or

820
00:38:43,280 --> 00:38:45,040
Speaker 2: not you can open more than one?

821
00:38:45,680 --> 00:38:48,440
Speaker 3: You can open up more than one secured credit card,

822
00:38:48,760 --> 00:38:50,759
Speaker 3: but I mean, I guess she's saying she's opening it

823
00:38:50,800 --> 00:38:52,400
Speaker 3: up for the purpose to raise her credit score.

824
00:38:52,680 --> 00:38:54,359
Speaker 2: Yeah, so she wants to raise her credit score. She's

825
00:38:54,360 --> 00:38:56,040
Speaker 2: trying to get approved of her house and doesn't she

826
00:38:56,080 --> 00:38:57,920
Speaker 2: doesn't mention what her score is, but she doesn't think

827
00:38:57,920 --> 00:39:00,480
Speaker 2: it's high enough to qualify for a mortgage yet.

828
00:39:01,040 --> 00:39:05,520
Speaker 3: Well here's the thing, though, So typically when you're trying

829
00:39:05,520 --> 00:39:10,040
Speaker 3: to prove yourself credit worthy. They're looking for diversity, So

830
00:39:10,200 --> 00:39:12,880
Speaker 3: opening up two secured cards is opening up two of

831
00:39:12,920 --> 00:39:14,000
Speaker 3: the same type of debt.

832
00:39:14,120 --> 00:39:16,320
Speaker 1: It's called revolving debt. So it's not.

833
00:39:16,239 --> 00:39:20,040
Speaker 3: Really gonna help necessarily. So instead I would open up

834
00:39:20,480 --> 00:39:22,600
Speaker 3: a secured card. I mean, and know this that you

835
00:39:22,600 --> 00:39:25,680
Speaker 3: don't want to. You should not incur a new debt

836
00:39:26,080 --> 00:39:28,319
Speaker 3: at least within three months of buying a house. So

837
00:39:28,680 --> 00:39:31,440
Speaker 3: I hope buying a house is like maybe like three, six,

838
00:39:32,000 --> 00:39:34,520
Speaker 3: maybe twelve months away. So I hope you know, because

839
00:39:34,520 --> 00:39:35,759
Speaker 3: you're not going to like open up a credit card

840
00:39:35,800 --> 00:39:37,200
Speaker 3: and get a house next month, because they're going to

841
00:39:37,239 --> 00:39:38,600
Speaker 3: have a heart attact that you open up a credit

842
00:39:38,680 --> 00:39:41,160
Speaker 3: card so quickly to getting a mortgage, because it's like

843
00:39:41,280 --> 00:39:43,120
Speaker 3: telling them, I know I'm going to borrow from you,

844
00:39:43,120 --> 00:39:45,319
Speaker 3: but I just borrow from somebody else. They're like, nah, girl.

845
00:39:45,840 --> 00:39:49,319
Speaker 3: So it'll get you a secure credit card. Use what

846
00:39:49,360 --> 00:39:52,400
Speaker 3: I call the jump like Jordan method. Put Netflix or

847
00:39:52,440 --> 00:39:55,600
Speaker 3: something under twenty bucks on it, let it automatically charge

848
00:39:55,680 --> 00:39:58,960
Speaker 3: that card, and then let your bank account automatically pay

849
00:39:59,000 --> 00:40:01,080
Speaker 3: it off. Just to build pay at your bank account.

850
00:40:01,400 --> 00:40:04,160
Speaker 3: So here's a trick. Though, you want to pay after

851
00:40:04,200 --> 00:40:06,759
Speaker 3: the statement date. Just call them and say when's my

852
00:40:06,760 --> 00:40:08,960
Speaker 3: statement date? That's just the day they issue the statement.

853
00:40:09,160 --> 00:40:10,920
Speaker 3: And when they issue you the statement, that means that

854
00:40:10,960 --> 00:40:15,880
Speaker 3: they've told a credit bureau what's her name again? Uh Uriana, Uriana,

855
00:40:16,040 --> 00:40:19,120
Speaker 3: Uriana has I'm gonna call you Urie. I like that

856
00:40:19,200 --> 00:40:20,440
Speaker 3: you no, no, let me not do that because I

857
00:40:20,440 --> 00:40:23,759
Speaker 3: hate it when people do that. So Urana Uriyana has

858
00:40:23,840 --> 00:40:26,239
Speaker 3: used her card. So pay after this statement date, so

859
00:40:26,280 --> 00:40:28,480
Speaker 3: you know that it's been kind of like reported to

860
00:40:28,520 --> 00:40:31,040
Speaker 3: the credit viers. It's been used, but by the do date,

861
00:40:31,239 --> 00:40:33,040
Speaker 3: so you know, if it's due on the fifth, paid

862
00:40:33,880 --> 00:40:34,720
Speaker 3: you know by the fifth.

863
00:40:34,760 --> 00:40:34,960
Speaker 1: You know.

864
00:40:35,640 --> 00:40:37,279
Speaker 3: So if you do that with your and like that's

865
00:40:37,280 --> 00:40:41,000
Speaker 3: an automated kind of like system, Netflix charges that card,

866
00:40:41,120 --> 00:40:43,920
Speaker 3: banking Out pays it off automated, put that card up.

867
00:40:44,160 --> 00:40:44,920
Speaker 1: So that's one.

868
00:40:45,280 --> 00:40:47,160
Speaker 3: And then if you want to open up another kind

869
00:40:47,160 --> 00:40:51,200
Speaker 3: of line of credit to show I'm responsible, another credit

870
00:40:51,239 --> 00:40:53,120
Speaker 3: card is not going to show that. Instead, you can

871
00:40:53,160 --> 00:40:57,360
Speaker 3: get something called like self lender, and those are what

872
00:40:57,440 --> 00:40:58,800
Speaker 3: kind of loan does that? Call Mandy when you have

873
00:40:58,880 --> 00:40:59,640
Speaker 3: installment loan?

874
00:41:00,120 --> 00:41:00,400
Speaker 1: Ryeah?

875
00:41:00,400 --> 00:41:04,800
Speaker 3: So you know, so exactly, so like revolving debt is

876
00:41:04,840 --> 00:41:06,920
Speaker 3: a credit card, an installment loan. Think about it as

877
00:41:06,960 --> 00:41:09,359
Speaker 3: like a cardinal or student loans. That means you're paying

878
00:41:09,360 --> 00:41:11,920
Speaker 3: back a loan and an installment, and so self lender

879
00:41:12,200 --> 00:41:15,319
Speaker 3: lets you do like kind of like a faux installment loan.

880
00:41:15,400 --> 00:41:17,719
Speaker 3: And the way it works is that, like you say, hey,

881
00:41:17,800 --> 00:41:19,960
Speaker 3: self lender, I want to borrow the smallest amount of money,

882
00:41:19,960 --> 00:41:22,560
Speaker 3: which I think is like five hundred bucks. Self lenders said, sure,

883
00:41:22,640 --> 00:41:24,640
Speaker 3: they don't give you the five hundred, which is great.

884
00:41:24,760 --> 00:41:27,840
Speaker 3: They put it in a in a money market account

885
00:41:27,920 --> 00:41:31,120
Speaker 3: or safety account for you, and then you pay back

886
00:41:31,120 --> 00:41:33,399
Speaker 3: that pipe hundred as if you received it. So every

887
00:41:33,400 --> 00:41:35,000
Speaker 3: month you pay back like I don't know, forty one

888
00:41:35,040 --> 00:41:37,520
Speaker 3: bucks or something to that effect. They take a small fee.

889
00:41:37,520 --> 00:41:39,480
Speaker 3: The fee equates to maybe like seventy bucks. For the

890
00:41:39,520 --> 00:41:41,880
Speaker 3: whole year, you pay it for a small fee like

891
00:41:41,960 --> 00:41:44,120
Speaker 3: in that paying backup every month, and at the end

892
00:41:44,200 --> 00:41:45,359
Speaker 3: of the year, it's like.

893
00:41:45,440 --> 00:41:50,000
Speaker 1: Yay, Uriana not only borrow this money, she paid it

894
00:41:50,040 --> 00:41:52,760
Speaker 1: back in full woo hoo.

895
00:41:52,800 --> 00:41:54,880
Speaker 3: So and she paid it back, she paid all of

896
00:41:54,880 --> 00:41:58,080
Speaker 3: her monthly payments on time. So automate those monthly payments,

897
00:41:58,080 --> 00:42:00,279
Speaker 3: and I think self lender does that for you anyway,

898
00:42:00,440 --> 00:42:02,880
Speaker 3: And so you get to prove to the lender, to

899
00:42:03,040 --> 00:42:05,680
Speaker 3: not self lender, but to your mortgage lender, Hey, I

900
00:42:05,680 --> 00:42:08,719
Speaker 3: can borrow money two different ways and be responsible. And

901
00:42:08,760 --> 00:42:10,360
Speaker 3: at the end, when you're done with self lender, they

902
00:42:10,400 --> 00:42:12,560
Speaker 3: give you back your five hundred dollars. So that's what's

903
00:42:12,600 --> 00:42:14,799
Speaker 3: so great about self lender is that you get to

904
00:42:14,920 --> 00:42:18,640
Speaker 3: kind of show the credit bureau and other lenders, I

905
00:42:18,680 --> 00:42:22,160
Speaker 3: can borrow money and installments. And then with a security card, hey,

906
00:42:22,280 --> 00:42:25,600
Speaker 3: I can borrow revolving money and be responsible with it.

907
00:42:25,680 --> 00:42:26,920
Speaker 1: So that's what I would do.

908
00:42:27,040 --> 00:42:30,200
Speaker 3: But to me, it's probably going to take self lender

909
00:42:30,239 --> 00:42:31,840
Speaker 3: takes about you know, it takes a year for it

910
00:42:31,880 --> 00:42:33,960
Speaker 3: to be finished. So in the meantime, though, like I

911
00:42:34,040 --> 00:42:37,799
Speaker 3: mentioned before, do your research on neighborhood on what kind

912
00:42:37,800 --> 00:42:39,880
Speaker 3: of mortgage you want to get. Are their mortgage programs.

913
00:42:39,920 --> 00:42:45,280
Speaker 3: Maybe join NAKA NACA not because this pre federal program

914
00:42:45,560 --> 00:42:48,560
Speaker 3: that helps first time home buyers. That's just someone who

915
00:42:48,640 --> 00:42:50,760
Speaker 3: has not owned a home in the last three years.

916
00:42:51,040 --> 00:42:53,399
Speaker 3: And so I would do my prep work so by

917
00:42:53,480 --> 00:42:56,000
Speaker 3: the time you know my credit score is seven fifty

918
00:42:56,000 --> 00:42:58,319
Speaker 3: and above, you're ready to rock and roll because you

919
00:42:58,360 --> 00:42:59,400
Speaker 3: have all the knowledge.

920
00:43:00,040 --> 00:43:02,040
Speaker 2: Yeah, there are some mortgage programs where you can get

921
00:43:02,080 --> 00:43:04,360
Speaker 2: a mortgage like for the FAHA loan for example as

922
00:43:04,440 --> 00:43:06,600
Speaker 2: lowest five hundred with a credit score of the lowest

923
00:43:06,600 --> 00:43:08,840
Speaker 2: five hundred and a low down payment. But you just

924
00:43:08,880 --> 00:43:11,320
Speaker 2: have you know, it's the higher your score is, the

925
00:43:12,360 --> 00:43:14,160
Speaker 2: better off you are because you're going to be able

926
00:43:14,200 --> 00:43:16,520
Speaker 2: to get a rate on your mortgage. And think about

927
00:43:16,520 --> 00:43:18,520
Speaker 2: like thirty years of paying interest, So you want the

928
00:43:18,520 --> 00:43:21,080
Speaker 2: lowest rate possible, and the higher your score is, the

929
00:43:21,120 --> 00:43:23,560
Speaker 2: lower your rate is. So that's awesome. And I don't

930
00:43:23,600 --> 00:43:25,640
Speaker 2: know if you mentioned credit unions, but my dad definitely

931
00:43:26,560 --> 00:43:29,239
Speaker 2: has had success getting a small personal loan from a

932
00:43:29,280 --> 00:43:33,000
Speaker 2: credit union. They have more traditional kind of credit builder

933
00:43:33,000 --> 00:43:34,960
Speaker 2: loans that they can offer sometimes, and if you have

934
00:43:35,000 --> 00:43:36,600
Speaker 2: poor credit, that could be a good option too.

935
00:43:37,960 --> 00:43:39,560
Speaker 1: Yeah. Yeah, thank you for your.

936
00:43:39,480 --> 00:43:44,560
Speaker 2: Question, Yodiana. Let's say one kind of home investment related question.

937
00:43:44,640 --> 00:43:46,560
Speaker 2: This is something I've been thinking about a lot too.

938
00:43:47,239 --> 00:43:50,640
Speaker 2: This question is from Laura on Instagram. My question is

939
00:43:50,680 --> 00:43:53,120
Speaker 2: I own a home, I have no other debt. Would

940
00:43:53,160 --> 00:43:55,359
Speaker 2: you recommend that I pay off my home faster by

941
00:43:55,360 --> 00:43:58,960
Speaker 2: making extra payments each month or should I save the

942
00:43:58,960 --> 00:44:01,680
Speaker 2: money for an investment property. What would be the best

943
00:44:01,760 --> 00:44:02,720
Speaker 2: use of my money?

944
00:44:02,800 --> 00:44:06,640
Speaker 1: Thanks, ladies, Oh these questions be good. What's there you manager?

945
00:44:07,040 --> 00:44:10,280
Speaker 2: Well, I have been. I was just thinking about my mortgage,

946
00:44:10,360 --> 00:44:13,279
Speaker 2: and so generally when you have like so, I don't

947
00:44:13,280 --> 00:44:15,279
Speaker 2: know what your mortgage rate is, but if you've got

948
00:44:15,360 --> 00:44:17,400
Speaker 2: a mortgage in the last year or two, it's probably

949
00:44:17,480 --> 00:44:20,160
Speaker 2: like high three percent or low four percent, which is

950
00:44:20,480 --> 00:44:23,040
Speaker 2: a really low rate. And if you think about you

951
00:44:23,080 --> 00:44:25,799
Speaker 2: know this. I answered a question from a family member

952
00:44:25,840 --> 00:44:28,120
Speaker 2: recently because they were like, should I just put all

953
00:44:28,120 --> 00:44:29,799
Speaker 2: this I had? He had a windfall coming and he

954
00:44:29,800 --> 00:44:31,200
Speaker 2: wanted to know if he should put it toward his

955
00:44:31,320 --> 00:44:34,319
Speaker 2: mortgage or open up an eye ray or something like that.

956
00:44:34,400 --> 00:44:36,520
Speaker 2: And we compared the interest rate on his mortgage to

957
00:44:36,600 --> 00:44:38,920
Speaker 2: what he could be earning if he invested in the

958
00:44:38,920 --> 00:44:43,320
Speaker 2: market based on past returns, and clearly you can stand

959
00:44:43,320 --> 00:44:46,400
Speaker 2: to earn more. And if you invest in the market

960
00:44:46,440 --> 00:44:50,720
Speaker 2: based on past returns, but potentially based on past returns,

961
00:44:50,719 --> 00:44:52,319
Speaker 2: you know you're probably going to do better than four

962
00:44:52,360 --> 00:44:55,920
Speaker 2: percent if you're investing for the long term. When it

963
00:44:55,960 --> 00:45:00,000
Speaker 2: comes to choosing between you know, paying off your mortgage

964
00:45:00,160 --> 00:45:02,560
Speaker 2: or investing in another property, you have to look at

965
00:45:02,560 --> 00:45:04,880
Speaker 2: the data and like, look at you know, what you

966
00:45:04,880 --> 00:45:08,160
Speaker 2: could potentially stand to gain by investing in another property,

967
00:45:08,160 --> 00:45:11,239
Speaker 2: and would it be worth more financially in terms of

968
00:45:11,239 --> 00:45:14,160
Speaker 2: your investment returns than what you could save by paying

969
00:45:14,160 --> 00:45:17,680
Speaker 2: off your mortgage faster. There's no rush to pay off

970
00:45:17,719 --> 00:45:19,560
Speaker 2: your mortgage, especially if you've got that That's what I

971
00:45:19,640 --> 00:45:21,479
Speaker 2: tell myself. You know, if you've got that low rate,

972
00:45:21,960 --> 00:45:24,239
Speaker 2: you know you've got thirty twenty. I've got twenty nine

973
00:45:24,320 --> 00:45:27,239
Speaker 2: years now or twenty eight years now to still pay

974
00:45:27,239 --> 00:45:31,280
Speaker 2: it down. But I have been thinking, I really would

975
00:45:31,520 --> 00:45:34,239
Speaker 2: love to be able to pass on a paid off

976
00:45:34,239 --> 00:45:37,560
Speaker 2: property to my future kids, you know, or to have

977
00:45:37,680 --> 00:45:40,200
Speaker 2: in my family. That's something that my family's never had,

978
00:45:41,160 --> 00:45:44,120
Speaker 2: a paid off piece of property. So that's becoming a

979
00:45:44,160 --> 00:45:47,160
Speaker 2: goal for me. But I don't necessarily, I still don't

980
00:45:47,160 --> 00:45:49,040
Speaker 2: think for me right now, it makes sense to throw

981
00:45:49,120 --> 00:45:53,359
Speaker 2: all the money I have at my mortgage. I'm, like

982
00:45:53,400 --> 00:45:57,600
Speaker 2: I said, recovering from the remodel still, and we're rebuilding

983
00:45:58,080 --> 00:46:01,040
Speaker 2: so that we have a nice chunk of change. And

984
00:46:01,120 --> 00:46:02,960
Speaker 2: when I have that nice chunk of change, I'm hoping

985
00:46:03,080 --> 00:46:04,560
Speaker 2: by then I will know what I want to do.

986
00:46:04,600 --> 00:46:06,800
Speaker 2: With it, and it may be investing in a property,

987
00:46:06,800 --> 00:46:09,799
Speaker 2: and it may be taking a big chunk out of

988
00:46:09,800 --> 00:46:11,160
Speaker 2: my mortgage.

989
00:46:11,480 --> 00:46:12,480
Speaker 1: Yeah. No, I agree.

990
00:46:12,520 --> 00:46:14,440
Speaker 3: It's hard because it's like this is both like a

991
00:46:14,480 --> 00:46:17,319
Speaker 3: technical financial question, but it's also an emotional question, right,

992
00:46:17,680 --> 00:46:21,040
Speaker 3: because I mean, I don't you know, I could I

993
00:46:21,080 --> 00:46:24,359
Speaker 3: have used the money that I used to purchase and

994
00:46:24,440 --> 00:46:29,560
Speaker 3: renovate the house, you know, toward like investing, Yes, but

995
00:46:30,000 --> 00:46:33,000
Speaker 3: after losing my house, my first property, to foreclosure, I

996
00:46:33,080 --> 00:46:35,320
Speaker 3: was kind of like, yeah, I kind of want to

997
00:46:35,360 --> 00:46:37,040
Speaker 3: have a place that they can't snatch for me, you know.

998
00:46:37,480 --> 00:46:39,120
Speaker 1: Yeah, And it.

999
00:46:39,080 --> 00:46:41,760
Speaker 3: Still was an investment, so don't here's the thing buying

1000
00:46:41,760 --> 00:46:44,720
Speaker 3: your home, Even if you're buying a for emotional reason,

1001
00:46:44,880 --> 00:46:47,839
Speaker 3: it should still make financial sense. Your emotions don't get

1002
00:46:47,840 --> 00:46:49,840
Speaker 3: to erase the fact that has to make financial sense.

1003
00:46:50,280 --> 00:46:52,800
Speaker 3: So I purchased that of the house, but it was

1004
00:46:52,840 --> 00:46:56,080
Speaker 3: also a foreclosure of the first property, and it was

1005
00:46:56,200 --> 00:46:59,200
Speaker 3: worth double what we paid for, so I was conscious of, yes,

1006
00:46:59,239 --> 00:47:01,239
Speaker 3: I'm paying for a can, but I'm also paying for

1007
00:47:01,600 --> 00:47:03,200
Speaker 3: if I would were to resell it right now on

1008
00:47:03,239 --> 00:47:05,040
Speaker 3: the market, I would get double back.

1009
00:47:06,080 --> 00:47:10,680
Speaker 1: So yeah, just I mean, ideally, what I think about debt.

1010
00:47:10,719 --> 00:47:14,800
Speaker 3: Here's the advice I've finally come to really like absorb

1011
00:47:14,840 --> 00:47:16,440
Speaker 3: from my parents that I didn't really listen to when

1012
00:47:16,480 --> 00:47:19,200
Speaker 3: I was younger, is that focusing on debt is really

1013
00:47:19,200 --> 00:47:20,759
Speaker 3: not the goal. If you focus on debt, you'll be

1014
00:47:20,760 --> 00:47:23,680
Speaker 3: debt free. But guess what, my nephew Roman, he's three,

1015
00:47:23,719 --> 00:47:25,319
Speaker 3: Guess what he's debt free. He still broke.

1016
00:47:26,160 --> 00:47:28,040
Speaker 1: Like, debt free does not mean anything, you know what

1017
00:47:28,040 --> 00:47:28,359
Speaker 1: I mean.

1018
00:47:28,800 --> 00:47:31,200
Speaker 3: But like, instead, you want to focus on growing wealth

1019
00:47:31,440 --> 00:47:33,720
Speaker 3: because when you focus on growing wealth, you get both.

1020
00:47:34,080 --> 00:47:36,920
Speaker 3: You get wealth and you can get debt free. I

1021
00:47:37,080 --> 00:47:39,600
Speaker 3: finally listened to that lesson when last year I paid

1022
00:47:39,600 --> 00:47:42,600
Speaker 3: off my student loan debt one lump sum. But I

1023
00:47:42,600 --> 00:47:45,000
Speaker 3: could have paid it off earlier. I had the money,

1024
00:47:45,320 --> 00:47:49,000
Speaker 3: but I decided to instead invest back into growing my business.

1025
00:47:49,760 --> 00:47:51,960
Speaker 3: Really wanted to grow from six figures to seven figures

1026
00:47:51,960 --> 00:47:54,480
Speaker 3: a year, and so I used part of that my

1027
00:47:54,520 --> 00:47:57,160
Speaker 3: student loans for fifty two thousand dollars something like that.

1028
00:47:57,640 --> 00:48:01,399
Speaker 3: And so I instead really focused putting my money back

1029
00:48:01,440 --> 00:48:04,200
Speaker 3: into the business and now we're multi seven figure a year,

1030
00:48:04,320 --> 00:48:06,480
Speaker 3: like one of the businesses is multi seven.

1031
00:48:06,239 --> 00:48:06,799
Speaker 1: Figure a year.

1032
00:48:06,960 --> 00:48:09,560
Speaker 3: And so as a result, last year even though I

1033
00:48:09,560 --> 00:48:12,800
Speaker 3: had the money earlier last year, I was able to say, okay,

1034
00:48:12,960 --> 00:48:15,560
Speaker 3: student loan debt, I finally have more than enough of

1035
00:48:15,600 --> 00:48:17,880
Speaker 3: a buffer that business is doing well, I'm going to

1036
00:48:17,960 --> 00:48:20,920
Speaker 3: pay you off in full. Because I focused on growing wealth,

1037
00:48:21,160 --> 00:48:22,920
Speaker 3: so the wealth took care of the debt. I did

1038
00:48:23,000 --> 00:48:25,080
Speaker 3: not focus on the debt. But that took a lot

1039
00:48:25,080 --> 00:48:27,520
Speaker 3: of retraining mentally. And so that's like a piece of

1040
00:48:27,520 --> 00:48:28,520
Speaker 3: advice that I would give you.

1041
00:48:29,520 --> 00:48:31,759
Speaker 2: Yeah, And if you're thinking about an investment property too,

1042
00:48:31,800 --> 00:48:34,719
Speaker 2: and you're if you you know, have a property or

1043
00:48:34,760 --> 00:48:36,920
Speaker 2: a budget in mind, where Okay, if you know that

1044
00:48:36,960 --> 00:48:39,560
Speaker 2: if you saved diligently for the next three to five years,

1045
00:48:39,600 --> 00:48:43,279
Speaker 2: you'll have enough cash to pay for an investment property outright,

1046
00:48:43,320 --> 00:48:45,000
Speaker 2: and then you're going to rent it out and people

1047
00:48:45,040 --> 00:48:47,160
Speaker 2: you'll have rental income, which could then help you pay

1048
00:48:47,160 --> 00:48:51,520
Speaker 2: your mortgage down plus be a source of passive income

1049
00:48:51,560 --> 00:48:54,360
Speaker 2: in the future. Then maybe that equation makes more sense.

1050
00:48:54,880 --> 00:48:57,520
Speaker 2: Then it's like the temporary not paying down your mortgage,

1051
00:48:57,520 --> 00:48:59,840
Speaker 2: but you know, building up toward that investment and the

1052
00:49:00,000 --> 00:49:02,680
Speaker 2: investment property. You know, of course, Tiffany and I are

1053
00:49:02,760 --> 00:49:07,080
Speaker 2: not financial experts or financial planners or investment advisors. All

1054
00:49:07,080 --> 00:49:09,439
Speaker 2: of our advice is just based on our own experiences,

1055
00:49:09,520 --> 00:49:11,319
Speaker 2: so you know, when it comes down to making that

1056
00:49:11,360 --> 00:49:15,319
Speaker 2: final decision, you'll probably want to consult financial advisor or

1057
00:49:15,360 --> 00:49:17,960
Speaker 2: do your own research. But that's just the way that

1058
00:49:18,600 --> 00:49:21,439
Speaker 2: you know. I've thought about investment properties in the past,

1059
00:49:21,440 --> 00:49:22,000
Speaker 2: and Tiff too.

1060
00:49:22,840 --> 00:49:23,239
Speaker 1: Mm hmm.

1061
00:49:23,760 --> 00:49:25,560
Speaker 2: Wait, So do not like when people shorten your name

1062
00:49:25,600 --> 00:49:27,000
Speaker 2: to Tiffany because I do that. I mean to Tiff,

1063
00:49:27,000 --> 00:49:27,680
Speaker 2: I do that all the time.

1064
00:49:27,760 --> 00:49:28,839
Speaker 1: No, No, I don't mind.

1065
00:49:28,880 --> 00:49:30,839
Speaker 3: It was my African name when people like make up

1066
00:49:30,840 --> 00:49:32,319
Speaker 3: their own because it was like when they used to

1067
00:49:32,320 --> 00:49:34,840
Speaker 3: make up their own version of it because they couldn't

1068
00:49:34,840 --> 00:49:35,120
Speaker 3: say it.

1069
00:49:35,120 --> 00:49:36,600
Speaker 1: And I'm like, yeah, that's not it.

1070
00:49:37,320 --> 00:49:40,279
Speaker 2: That trigger. And my friend Jess asked me years ago

1071
00:49:40,360 --> 00:49:42,240
Speaker 2: not to call her jests and I've never listened.

1072
00:49:43,320 --> 00:49:45,000
Speaker 1: Meanwhile, you just said my friend jests, which is how

1073
00:49:45,080 --> 00:49:45,239
Speaker 1: are you?

1074
00:49:45,440 --> 00:49:48,640
Speaker 2: I know. I don't know if she remembers that saying

1075
00:49:48,640 --> 00:49:50,239
Speaker 2: that she didn't like people calling her jests. But I

1076
00:49:50,280 --> 00:49:53,120
Speaker 2: was like, sorry, Jess, like for.

1077
00:49:53,120 --> 00:49:54,839
Speaker 3: Me tip to Tiffany, I don't you know. I'm like

1078
00:49:55,400 --> 00:49:58,040
Speaker 3: that's fine. But like my African name was Adoci and

1079
00:49:58,040 --> 00:49:59,960
Speaker 3: people would be like a Juchi.

1080
00:50:00,640 --> 00:50:02,040
Speaker 1: I'm like, I'm just gonna carry you. Oh.

1081
00:50:02,200 --> 00:50:04,480
Speaker 3: I'm like, or you're just gonna call me adochi. It's

1082
00:50:04,520 --> 00:50:08,400
Speaker 3: three tamos dochi. It's not that hard and so like.

1083
00:50:08,480 --> 00:50:10,080
Speaker 3: So that used to like really trigger me.

1084
00:50:10,480 --> 00:50:11,920
Speaker 1: So but no. Tip to Tiffany.

1085
00:50:11,920 --> 00:50:13,840
Speaker 3: I'm like, literally, that's the name I picked when I

1086
00:50:13,880 --> 00:50:16,040
Speaker 3: was nine years old and my dad's like.

1087
00:50:16,040 --> 00:50:17,400
Speaker 1: Pick a name. We're staying in America.

1088
00:50:17,920 --> 00:50:20,000
Speaker 3: And I was like, okay, I mean I was born here,

1089
00:50:20,360 --> 00:50:22,760
Speaker 3: but my dad always thought that we would move to Nigeria.

1090
00:50:22,760 --> 00:50:25,400
Speaker 3: We'd be raised in Nigeria. But then Nigeria took a

1091
00:50:25,480 --> 00:50:28,839
Speaker 3: turn and he was like, yeah, that plant's next. Pick

1092
00:50:28,920 --> 00:50:29,759
Speaker 3: you a English name.

1093
00:50:29,800 --> 00:50:31,920
Speaker 1: And I was like, ooh, Renee. He was like no.

1094
00:50:32,680 --> 00:50:34,480
Speaker 2: I was like, what the hell the eighties?

1095
00:50:34,920 --> 00:50:37,480
Speaker 1: I know, yes, right, and so I was like, what

1096
00:50:37,560 --> 00:50:39,040
Speaker 1: about I think we are?

1097
00:50:39,200 --> 00:50:41,480
Speaker 3: I wanted Renee, I wanted then I wanted Jenny. Thank

1098
00:50:41,520 --> 00:50:44,120
Speaker 3: god he nicked that one. He's like Tiffany, be serious.

1099
00:50:44,760 --> 00:50:46,839
Speaker 3: So it's like Tiffany's nice, and he was like and

1100
00:50:46,880 --> 00:50:48,440
Speaker 3: I literally didn't even think about it.

1101
00:50:48,640 --> 00:50:50,560
Speaker 1: I just said I kind of like Tiffany. He's like, okay,

1102
00:50:50,560 --> 00:50:52,120
Speaker 1: that's it. I'm like, wait, can I think on that.

1103
00:50:53,560 --> 00:50:57,520
Speaker 1: So that was it. Tiffany is and Tiffany. It always

1104
00:50:57,520 --> 00:50:57,879
Speaker 1: has been.

1105
00:50:58,080 --> 00:51:01,000
Speaker 3: It's still weird when my sisters call me, they only

1106
00:51:01,000 --> 00:51:03,160
Speaker 3: call me tiffany more. I call my sisters by their

1107
00:51:03,160 --> 00:51:06,080
Speaker 3: African name, except for Lisa, because Lisa was born after

1108
00:51:06,120 --> 00:51:07,440
Speaker 3: the switch, so she was born Lisa.

1109
00:51:07,840 --> 00:51:08,560
Speaker 1: But it's weird.

1110
00:51:08,880 --> 00:51:11,680
Speaker 3: My sisters call me my American name more than anybody

1111
00:51:11,680 --> 00:51:14,879
Speaker 3: else because because of my business. So everyone like will

1112
00:51:14,880 --> 00:51:16,040
Speaker 3: come to them and be like, oh my god, I

1113
00:51:16,040 --> 00:51:17,920
Speaker 3: love your sister, Tiffany. The bunch of nisas helped me,

1114
00:51:18,160 --> 00:51:19,319
Speaker 3: so they call me tiffany more.

1115
00:51:19,320 --> 00:51:21,120
Speaker 1: But like I don't really.

1116
00:51:21,120 --> 00:51:23,200
Speaker 3: I don't call my sisters by their American name unless

1117
00:51:23,200 --> 00:51:25,920
Speaker 3: we're like saying it at a jest, like like I said, Carol,

1118
00:51:25,920 --> 00:51:28,160
Speaker 3: but that's not her, Like I don't ever call Carol Carol.

1119
00:51:28,200 --> 00:51:29,439
Speaker 1: I call her by her African name.

1120
00:51:30,440 --> 00:51:33,359
Speaker 3: But yeah, so when someone called me by my African name,

1121
00:51:33,520 --> 00:51:36,080
Speaker 3: I'm like, yo, somebody did that the other day, maybe

1122
00:51:36,120 --> 00:51:39,000
Speaker 3: like a few months ago, and I looked at them like, wait,

1123
00:51:39,520 --> 00:51:41,520
Speaker 3: I know you because you know, and it.

1124
00:51:41,640 --> 00:51:43,560
Speaker 1: Was like, yeah, my parents, I know.

1125
00:51:43,560 --> 00:51:45,520
Speaker 3: We went to elementary school together. I'm like, we sure did.

1126
00:51:45,600 --> 00:51:47,480
Speaker 3: Because that was my name and that school. I mean,

1127
00:51:47,480 --> 00:51:50,319
Speaker 3: it's still it now. But when someone's like, hay it

1128
00:51:50,360 --> 00:51:54,640
Speaker 3: dol Chi, I'm like, wait, so name it is right.

1129
00:51:54,760 --> 00:51:57,279
Speaker 3: It means God's blessing. People got it grawn and I'm like,

1130
00:51:57,320 --> 00:51:58,439
Speaker 3: it's not even that hard to say.

1131
00:51:58,600 --> 00:52:01,240
Speaker 2: Do you think you'll give your kids Nigerian names?

1132
00:52:01,800 --> 00:52:03,520
Speaker 3: I think at least one of their names will be

1133
00:52:03,520 --> 00:52:06,279
Speaker 3: because there's some Nigerian names that like, you know, I

1134
00:52:06,520 --> 00:52:08,319
Speaker 3: get it for the ease of being into this darn

1135
00:52:08,360 --> 00:52:09,000
Speaker 3: dusty country.

1136
00:52:09,040 --> 00:52:11,520
Speaker 1: I mean America. You know sometimes you thought we are

1137
00:52:13,000 --> 00:52:13,879
Speaker 1: it could be a lot here.

1138
00:52:13,960 --> 00:52:15,239
Speaker 2: Yeah, I know with.

1139
00:52:15,239 --> 00:52:17,359
Speaker 3: Every country, but but yeah, so I think I would

1140
00:52:17,400 --> 00:52:19,560
Speaker 3: do a mix. Like I love the name Adase because

1141
00:52:19,600 --> 00:52:23,640
Speaker 3: Ada is first born daughter. That's what like if like

1142
00:52:23,719 --> 00:52:25,879
Speaker 3: my sister Karen, somebody would be like, well, ask my dad,

1143
00:52:25,880 --> 00:52:26,640
Speaker 3: oh is this your Ada?

1144
00:52:26,800 --> 00:52:28,480
Speaker 1: That means your daughter, but first born.

1145
00:52:28,960 --> 00:52:33,759
Speaker 3: And and then Esse is king, so Adase means daughter

1146
00:52:33,800 --> 00:52:35,960
Speaker 3: of the king, which is princess. So a lot of

1147
00:52:36,000 --> 00:52:39,480
Speaker 3: you'll see a lot of Nigerians will or Ego Nigerians

1148
00:52:39,480 --> 00:52:41,040
Speaker 3: will have a Dase. So I really like the name

1149
00:52:41,080 --> 00:52:43,960
Speaker 3: ad So if I have a daughter, yeah maybe Adase.

1150
00:52:44,840 --> 00:52:45,920
Speaker 1: But there's like one.

1151
00:52:45,760 --> 00:52:47,480
Speaker 2: Of my best friends is Nigeria and I love her

1152
00:52:47,520 --> 00:52:50,360
Speaker 2: name is totally Lope. I just love saying it again.

1153
00:52:50,920 --> 00:52:53,040
Speaker 2: She goes by Tulu, but I'm like, no, totally.

1154
00:52:52,840 --> 00:52:58,120
Speaker 3: Lope probably so she's she's your back. So total lou

1155
00:52:58,239 --> 00:53:01,040
Speaker 3: is a is a very common pre like you're about.

1156
00:53:01,320 --> 00:53:04,759
Speaker 3: Use a lot of prefixes like Tolu oh lah. So

1157
00:53:04,800 --> 00:53:07,839
Speaker 3: whenever I hear like Tolu oh lah Olu, some those

1158
00:53:07,840 --> 00:53:10,839
Speaker 3: are used typically your u by names and Ebo's use

1159
00:53:10,880 --> 00:53:11,280
Speaker 3: a lot.

1160
00:53:11,120 --> 00:53:13,520
Speaker 1: Of post kind of fix like Chi me.

1161
00:53:13,640 --> 00:53:16,040
Speaker 3: I think Olu is God and you're Aba, and she

1162
00:53:16,200 --> 00:53:18,680
Speaker 3: is God in Ebo, so you'll hear like Ado Chi

1163
00:53:19,400 --> 00:53:22,360
Speaker 3: like h she goes e to like you know, so

1164
00:53:22,400 --> 00:53:24,960
Speaker 3: whenever I hear Chi, I'm like, oh, you're you're likely

1165
00:53:25,000 --> 00:53:28,200
Speaker 3: Ebo because because Nigerians seem to be very religious, so

1166
00:53:28,239 --> 00:53:30,719
Speaker 3: they'll use God in children's names a lot. But like

1167
00:53:30,800 --> 00:53:33,480
Speaker 3: I can typically tell by someone's name, like you know,

1168
00:53:33,560 --> 00:53:36,560
Speaker 3: if they're Nigerian, if they're Ebo, you're about or something else.

1169
00:53:36,600 --> 00:53:38,879
Speaker 3: But yeah, I mean, our names are beautiful and it's

1170
00:53:39,000 --> 00:53:41,239
Speaker 3: just I'm actually glad that people don't call me that. So,

1171
00:53:41,280 --> 00:53:43,000
Speaker 3: like if you see me in the street, I mean, honestly,

1172
00:53:43,960 --> 00:53:46,080
Speaker 3: if you're not gonna say it right, I don't want

1173
00:53:46,080 --> 00:53:48,360
Speaker 3: you to say it because it's not cute to me,

1174
00:53:48,480 --> 00:53:50,960
Speaker 3: you know, like I feel protective over I don't want

1175
00:53:50,960 --> 00:53:51,720
Speaker 3: to be like Dchi.

1176
00:53:51,880 --> 00:53:53,400
Speaker 1: I'm like, yeah, just come.

1177
00:53:53,280 --> 00:53:56,360
Speaker 3: To Tiffany because I'm not going to respond to the

1178
00:53:56,400 --> 00:53:59,839
Speaker 3: wrong you know, the missing of my beautiful African name

1179
00:54:00,680 --> 00:54:01,279
Speaker 3: fair enough.

1180
00:54:02,400 --> 00:54:06,319
Speaker 2: Don't call me Amanda's ma. I'm just kidding that as

1181
00:54:06,360 --> 00:54:09,200
Speaker 2: all the same. Don't call me Mandy with a y.

1182
00:54:09,560 --> 00:54:10,000
Speaker 2: Damn it.

1183
00:54:11,440 --> 00:54:13,359
Speaker 1: I'm like, wait, you're not Mandy with a lie.

1184
00:54:13,360 --> 00:54:16,080
Speaker 2: You're like, I'm oh my god, I still have relatives.

1185
00:54:16,120 --> 00:54:18,279
Speaker 2: You put that on my cards. I'm like, just just.

1186
00:54:18,239 --> 00:54:22,800
Speaker 4: Say come on, I literally, you know whatever.

1187
00:54:22,960 --> 00:54:26,160
Speaker 2: It's fine. I'm used to it. It's cool. All right.

1188
00:54:26,400 --> 00:54:29,080
Speaker 2: Well that's our show, you guys, Thanks for tuning in,

1189
00:54:29,160 --> 00:54:31,520
Speaker 2: and thanks for your questions. I'll be checking the gram.

1190
00:54:31,600 --> 00:54:33,680
Speaker 2: You know, we'll come. I'll meet you guys where you are.

1191
00:54:33,719 --> 00:54:35,640
Speaker 2: We got way more questions on the GRAM than through

1192
00:54:35,680 --> 00:54:38,560
Speaker 2: our Are we old? This is email no longer a thing?

1193
00:54:38,760 --> 00:54:38,840
Speaker 1: Like?

1194
00:54:38,920 --> 00:54:42,200
Speaker 2: Come on, I mean, email still is a good way

1195
00:54:42,200 --> 00:54:44,399
Speaker 2: to reach us. It sure is easier to keep track

1196
00:54:44,440 --> 00:54:47,799
Speaker 2: on email. Brandonbispodcast at gmail dot com. You can hit

1197
00:54:47,840 --> 00:54:51,480
Speaker 2: us up directly also on the Gram send me a DM.

1198
00:54:51,520 --> 00:54:53,880
Speaker 2: Just don't tag us in your stories because I have

1199
00:54:53,960 --> 00:54:56,080
Speaker 2: to view those within twenty four hours or they disappear

1200
00:54:56,400 --> 00:54:58,319
Speaker 2: and I'm constantly clicking and I'm like, oh, I can't

1201
00:54:58,320 --> 00:55:00,320
Speaker 2: see it anymore. So send me a as a d

1202
00:55:00,440 --> 00:55:03,280
Speaker 2: M and I'll check those. We're at Brand Edition Podcast

1203
00:55:03,520 --> 00:55:05,960
Speaker 2: on Instagram.

1204
00:55:06,280 --> 00:55:08,479
Speaker 1: Yeah, this was a good shot. I feel good.

1205
00:55:08,760 --> 00:55:11,799
Speaker 2: I feel great. All right, Well, go have a good

1206
00:55:11,800 --> 00:55:21,080
Speaker 2: rest of your week and we'll see you guys next week.