WEBVTT - Ep. 174 — When That Clever Tweet Could Cost You Your Job

0:00:16.320 --> 0:00:22.360
<v Speaker 1>Hey, hey, hey, we're back. We're black, We're brown. I'm tippity.

0:00:22.760 --> 0:00:25.400
<v Speaker 2>Hey guys, happy Brian ambition Wednesday. It's Mandy.

0:00:27.080 --> 0:00:29.280
<v Speaker 1>So what shall we talk about today?

0:00:29.680 --> 0:00:32.159
<v Speaker 2>There's so many things. What can we start with? So?

0:00:32.200 --> 0:00:34.360
<v Speaker 2>Did you hear the story about this?

0:00:34.440 --> 0:00:34.559
<v Speaker 1>Is?

0:00:34.800 --> 0:00:37.479
<v Speaker 2>I was chuckling, slash kind of inwardly crying about this.

0:00:38.320 --> 0:00:42.319
<v Speaker 2>There was this worker on the DC Metro who had

0:00:42.360 --> 0:00:46.320
<v Speaker 2>the audacity to eat her breakfast in between shifts, and

0:00:46.800 --> 0:00:51.280
<v Speaker 2>some lady h tweeted, took a picture of her, called

0:00:51.280 --> 0:00:54.520
<v Speaker 2>her out for it in person, and then tweeted to

0:00:55.000 --> 0:00:58.360
<v Speaker 2>the Metro, like to the Metro Twitter account in DC,

0:00:58.640 --> 0:01:01.560
<v Speaker 2>complaining about this worker eating her breakfast because apparently they

0:01:01.640 --> 0:01:05.240
<v Speaker 2>had implemented a recent rule like no eating on trains.

0:01:06.160 --> 0:01:08.280
<v Speaker 2>That's a rule pretty much on any metro but you know,

0:01:08.440 --> 0:01:11.000
<v Speaker 2>yata eat, you gotta eat, and tried to get this

0:01:11.040 --> 0:01:14.760
<v Speaker 2>woman discipline. Slash fired. Wow. Black Twitter was not having

0:01:14.760 --> 0:01:17.760
<v Speaker 2>it because it's a black, black female worker, you know,

0:01:17.920 --> 0:01:20.440
<v Speaker 2>in the morning, having her breakfast, minding her own business,

0:01:20.600 --> 0:01:23.720
<v Speaker 2>and this woman was like not having it. She's not white,

0:01:23.720 --> 0:01:26.800
<v Speaker 2>she's Jordaining an American, I've heard, but still the fact

0:01:26.840 --> 0:01:28.680
<v Speaker 2>that you would call someone out for the breakfast and

0:01:28.720 --> 0:01:31.400
<v Speaker 2>then it just went viral on Twitter and people were

0:01:31.800 --> 0:01:35.760
<v Speaker 2>really upset with Her name is Natasha Tynes. She runs

0:01:35.760 --> 0:01:38.160
<v Speaker 2>social media for the World Bank. You think people who

0:01:38.280 --> 0:01:41.679
<v Speaker 2>wow wow, Well no better.

0:01:42.000 --> 0:01:45.040
<v Speaker 1>Yeah.

0:01:45.600 --> 0:01:49.200
<v Speaker 2>She's also an author of a forthcoming novel, which is

0:01:49.760 --> 0:01:51.960
<v Speaker 2>one way to get publicity for your book. Except for

0:01:52.120 --> 0:01:55.800
<v Speaker 2>after all the controversy, the company that's distributing her book

0:01:56.000 --> 0:01:59.360
<v Speaker 2>said they were going to stop and then called on

0:01:59.400 --> 0:02:02.440
<v Speaker 2>her publisher to actually pull the book, like to pull

0:02:02.480 --> 0:02:05.640
<v Speaker 2>the book deal itself, so they are coming for her

0:02:05.720 --> 0:02:11.920
<v Speaker 2>coin and the Metro Authority actually responded to this controversy

0:02:11.960 --> 0:02:14.440
<v Speaker 2>and said that one this woman's part of a union,

0:02:14.480 --> 0:02:16.040
<v Speaker 2>and the union came out to bat for her and

0:02:16.120 --> 0:02:18.480
<v Speaker 2>explained that there's really have you ever been in a

0:02:18.520 --> 0:02:20.200
<v Speaker 2>subway station where the hell do you think they're going

0:02:20.240 --> 0:02:21.919
<v Speaker 2>to sit down and eat their breakfast or their lunch.

0:02:22.200 --> 0:02:25.959
<v Speaker 2>There's no break rooms like, and there's also mice everywhere

0:02:25.960 --> 0:02:28.840
<v Speaker 2>and insecticide, so there's not really sanitary conditions a lot

0:02:28.840 --> 0:02:31.200
<v Speaker 2>of the times. And this woman happened to be on

0:02:31.240 --> 0:02:33.600
<v Speaker 2>a delayed train trying to get to her next shift,

0:02:33.600 --> 0:02:35.840
<v Speaker 2>and in order to be on time, she stayed on

0:02:35.840 --> 0:02:38.560
<v Speaker 2>the train and just ate her breakfast, And so the

0:02:38.639 --> 0:02:40.600
<v Speaker 2>union came to bat for her, and then the actual

0:02:40.880 --> 0:02:44.080
<v Speaker 2>the Metro Transit authority said that they had recently the

0:02:44.120 --> 0:02:47.280
<v Speaker 2>police had recently asked people to stop filing complaints about

0:02:47.560 --> 0:02:51.880
<v Speaker 2>petty stuff like people eating on trains and you know,

0:02:51.919 --> 0:02:55.320
<v Speaker 2>evading fairs and stuff like that. So this was way

0:02:55.360 --> 0:02:59.760
<v Speaker 2>overblown and she she got dragged pretty bad.

0:03:00.400 --> 0:03:02.120
<v Speaker 3>I mean, I don't know if she deserves to get

0:03:02.120 --> 0:03:04.480
<v Speaker 3>her book pulled and stuff like that, because cancel culture

0:03:04.560 --> 0:03:05.600
<v Speaker 3>sometimes can be too much.

0:03:05.639 --> 0:03:09.040
<v Speaker 1>But I think, like, because.

0:03:08.760 --> 0:03:11.520
<v Speaker 3>Like, what what is the what is the desired outcome

0:03:12.040 --> 0:03:14.320
<v Speaker 3>you want this poor woman? I mean, she wasn't defecating

0:03:14.320 --> 0:03:16.240
<v Speaker 3>on the point on the train, you know what I mean?

0:03:16.400 --> 0:03:18.400
<v Speaker 3>Sometimes you have to ask yourself, like from where did this?

0:03:19.080 --> 0:03:20.760
<v Speaker 3>What did you want to happen to her? Did you

0:03:20.800 --> 0:03:23.520
<v Speaker 3>want this woman who was eating to be fired? What

0:03:23.639 --> 0:03:24.640
<v Speaker 3>kind of life are you living?

0:03:24.639 --> 0:03:26.880
<v Speaker 1>That that is your aim? Why do you care?

0:03:27.520 --> 0:03:30.320
<v Speaker 3>She wasn't smearing food all over the place, like clearly,

0:03:30.480 --> 0:03:33.240
<v Speaker 3>like you know, any common sense human being is like, huh,

0:03:33.280 --> 0:03:35.480
<v Speaker 3>she works here. She's clearly working here on the train.

0:03:35.560 --> 0:03:38.920
<v Speaker 3>So my assumption is this is the I mean nobody

0:03:38.920 --> 0:03:41.120
<v Speaker 3>willingly says, mmmm, I would love to eat on this

0:03:41.120 --> 0:03:43.960
<v Speaker 3>potentially disgusting Germany train, You know what I mean? I

0:03:44.120 --> 0:03:47.680
<v Speaker 3>just well, but you're you're gonna learn today. You're gonna

0:03:47.760 --> 0:03:49.240
<v Speaker 3>learn today. I guess she learned.

0:03:49.240 --> 0:03:51.320
<v Speaker 2>And well, it was the fact that she was basically

0:03:51.360 --> 0:03:54.280
<v Speaker 2>calling on the Metro, the DC Metro, to fire this person.

0:03:54.360 --> 0:03:56.480
<v Speaker 2>And that's just her and you're messing with the black

0:03:56.520 --> 0:03:59.120
<v Speaker 2>woman's livelihood. And I think, you know, do I think

0:03:59.120 --> 0:04:01.400
<v Speaker 2>that this the action is for to lose her book,

0:04:01.400 --> 0:04:03.400
<v Speaker 2>deal with that, teach her a lesson? No, I feel

0:04:03.400 --> 0:04:05.400
<v Speaker 2>like the bigger lesson is for her getting dragged on

0:04:05.440 --> 0:04:08.760
<v Speaker 2>Twitter and being corrected, you know, and why why it's

0:04:08.760 --> 0:04:10.840
<v Speaker 2>wrong for her to call someone out like that. I mean,

0:04:10.840 --> 0:04:13.200
<v Speaker 2>first of all, who who's even awake in the morning,

0:04:13.280 --> 0:04:17.039
<v Speaker 2>like trying like worry the black The workers response to

0:04:17.080 --> 0:04:19.480
<v Speaker 2>the woman when she talked to her and was like

0:04:19.680 --> 0:04:22.240
<v Speaker 2>calling her out at the moment for eating on the train.

0:04:22.320 --> 0:04:24.919
<v Speaker 2>The woman apparently told her worry about yourself, which is

0:04:25.000 --> 0:04:28.600
<v Speaker 2>exactly what she should have been doing. Yes, worried about

0:04:28.600 --> 0:04:29.000
<v Speaker 2>your dance.

0:04:29.160 --> 0:04:30.160
<v Speaker 1>Worry about yourself.

0:04:30.680 --> 0:04:33.159
<v Speaker 3>It's not a little video about the about the little

0:04:33.160 --> 0:04:36.240
<v Speaker 3>girl by She's literally like three, right, and she's trying to.

0:04:36.160 --> 0:04:37.840
<v Speaker 1>Buck on her own little seapet and her mom's like,

0:04:38.360 --> 0:04:40.960
<v Speaker 1>she said, no, let me alone. Worry about yourself. So

0:04:41.200 --> 0:04:43.120
<v Speaker 1>take take a tip from the three year old. Worry

0:04:43.120 --> 0:04:44.919
<v Speaker 1>about yourself about you.

0:04:45.040 --> 0:04:49.560
<v Speaker 2>Wow, Well Natasha has learned a lesson. You know, my

0:04:49.600 --> 0:04:52.440
<v Speaker 2>biggest fear is tweeting something and getting fired. Like that

0:04:52.640 --> 0:04:55.000
<v Speaker 2>is my fear as a person who you know, journalists,

0:04:55.040 --> 0:04:57.320
<v Speaker 2>we use Twitter all the time. I've I've actually just

0:04:57.480 --> 0:05:00.800
<v Speaker 2>pulled back on how much I tweet because I it

0:05:00.880 --> 0:05:03.520
<v Speaker 2>is so easy to just like and especially if you

0:05:03.560 --> 0:05:07.200
<v Speaker 2>get addicted to the instant gratification of people liking and

0:05:07.240 --> 0:05:09.359
<v Speaker 2>retweeting you, you just want to like please them, and

0:05:09.400 --> 0:05:11.440
<v Speaker 2>you want to write things that are witty and funny

0:05:11.480 --> 0:05:14.200
<v Speaker 2>and you know, off the cuff and whatever, and you

0:05:14.200 --> 0:05:16.280
<v Speaker 2>get addicted to that and then sure enough you're gonna

0:05:16.279 --> 0:05:19.960
<v Speaker 2>tweet something stupid or inappropriate or insensitive, and then it's

0:05:20.000 --> 0:05:21.719
<v Speaker 2>out there in the world and you can even delete

0:05:21.760 --> 0:05:24.360
<v Speaker 2>it like this woman did, but people still can grab screenshots.

0:05:24.760 --> 0:05:29.400
<v Speaker 3>Yeah, and also too, Like the thing is, here's the thing, like, yeah,

0:05:29.480 --> 0:05:31.960
<v Speaker 3>I don't believe in posting people I don't know on

0:05:32.000 --> 0:05:32.719
<v Speaker 3>social media.

0:05:32.760 --> 0:05:36.080
<v Speaker 1>I just think that's so harmful, you know what I mean, Like, yeah,

0:05:36.440 --> 0:05:38.120
<v Speaker 1>you know, like it's one thing that.

0:05:38.040 --> 0:05:39.719
<v Speaker 3>Like I'm taking as healthy and you happen to walk

0:05:39.760 --> 0:05:42.080
<v Speaker 3>behind me, but to take a picture of you to

0:05:42.200 --> 0:05:44.760
<v Speaker 3>shame you. Even if I'm taking a picture and I'm like,

0:05:44.800 --> 0:05:46.839
<v Speaker 3>oh my god, so pretty, I'm so cute, I don't.

0:05:47.000 --> 0:05:48.920
<v Speaker 3>I just I don't even do that unless you were

0:05:49.000 --> 0:05:51.919
<v Speaker 3>like taking a picture together, you know, like or like

0:05:51.920 --> 0:05:54.400
<v Speaker 3>say if you're speaking or something like that, but like

0:05:54.640 --> 0:05:57.080
<v Speaker 3>to secretly take a picture who's like ooh, secretly on

0:05:57.120 --> 0:05:59.240
<v Speaker 3>the train she's slaying. I don't even do that because

0:05:59.240 --> 0:06:03.240
<v Speaker 3>you don't know who someone is, and you know, maybe

0:06:03.279 --> 0:06:05.240
<v Speaker 3>they have someone who's looking for them, that's looking to

0:06:05.240 --> 0:06:05.720
<v Speaker 3>harm them.

0:06:05.760 --> 0:06:08.400
<v Speaker 1>I just think that that's what you get, honestly.

0:06:08.600 --> 0:06:10.719
<v Speaker 3>And I mean, we're gonna gonna learn today. I know

0:06:10.760 --> 0:06:13.320
<v Speaker 3>she's home, like, wait, you know, when I was a kid,

0:06:13.320 --> 0:06:15.200
<v Speaker 3>I'm not gonna lie. I was a big tattletale right

0:06:15.560 --> 0:06:17.520
<v Speaker 3>when I was like in kindergarten and in first grade.

0:06:17.560 --> 0:06:18.960
<v Speaker 1>I could not understand why.

0:06:19.440 --> 0:06:21.880
<v Speaker 3>I would go and tell the teacher and she would say, Tiffany,

0:06:21.960 --> 0:06:25.200
<v Speaker 3>nobody likes the tattletale I thought I.

0:06:25.120 --> 0:06:28.560
<v Speaker 1>Was doing my civic duty. I was like, but and

0:06:28.600 --> 0:06:30.520
<v Speaker 1>I didn't really understand. You know.

0:06:30.600 --> 0:06:33.080
<v Speaker 3>It's I got a little bit older and I realized that, like,

0:06:33.800 --> 0:06:38.080
<v Speaker 3>you're like one the teachers, like, okay, so Johnnye touched

0:06:38.080 --> 0:06:40.760
<v Speaker 3>the blue ball, It's fine, Like, girl, it's not the

0:06:40.839 --> 0:06:43.719
<v Speaker 3>end of the world, first of all. And two it's like,

0:06:43.760 --> 0:06:46.039
<v Speaker 3>it's not your business unless someone's really getting hurt or

0:06:46.040 --> 0:06:48.320
<v Speaker 3>something like that. And so it's like, this woman never

0:06:48.400 --> 0:06:51.120
<v Speaker 3>got that kindergarten first grade lesson of don't be a tattletale.

0:06:51.240 --> 0:06:54.400
<v Speaker 3>Nobody likes the tattletale, and now black Twitter had to

0:06:54.440 --> 0:06:57.240
<v Speaker 3>remind you, so, okay.

0:06:57.000 --> 0:07:00.479
<v Speaker 2>Another another social media failed this week? Did you about

0:07:00.520 --> 0:07:03.120
<v Speaker 2>so the actress from Fresh off the Boat, Constance Wu.

0:07:03.760 --> 0:07:06.680
<v Speaker 2>She is getting all kinds of insane press right now

0:07:06.720 --> 0:07:09.159
<v Speaker 2>because so Fresh off the Boat is was one of

0:07:09.200 --> 0:07:12.960
<v Speaker 2>the first in a long long time sitcoms to feature

0:07:13.160 --> 0:07:16.600
<v Speaker 2>a majority Asian American cast. So it was a huge

0:07:16.640 --> 0:07:19.480
<v Speaker 2>show for I forget which network it's on, but it's

0:07:19.520 --> 0:07:21.560
<v Speaker 2>been on for I think like four or five seasons now,

0:07:21.600 --> 0:07:23.720
<v Speaker 2>and it was just renewed for its six season. You know,

0:07:23.760 --> 0:07:26.680
<v Speaker 2>with sitcoms, there's like dozens of episodes, and it takes

0:07:26.760 --> 0:07:29.400
<v Speaker 2>up an actor's you know, most of the year for

0:07:29.480 --> 0:07:33.240
<v Speaker 2>them to film the sitcom. But they're also incredibly lucrative

0:07:33.320 --> 0:07:35.280
<v Speaker 2>and if you're on a sitcom that gets syndicated, you

0:07:35.360 --> 0:07:38.520
<v Speaker 2>just make money on money on money forever. But anyway,

0:07:38.640 --> 0:07:41.920
<v Speaker 2>Constance started to she send out some tweets with like

0:07:42.160 --> 0:07:44.640
<v Speaker 2>some swear words in them, saying how upset she was

0:07:44.640 --> 0:07:48.040
<v Speaker 2>that her show was renewed because she's been unable to

0:07:48.080 --> 0:07:52.240
<v Speaker 2>take a project that really fulfilled her artistic, you know, passions,

0:07:53.320 --> 0:07:55.080
<v Speaker 2>and she thought that was fine to share with the

0:07:55.120 --> 0:07:59.080
<v Speaker 2>world of working people who follow her, and immediately got

0:07:59.160 --> 0:08:02.960
<v Speaker 2>dragged for being insensitive to the crew that works on

0:08:03.000 --> 0:08:05.960
<v Speaker 2>her show, like the blue collar workers working on her show,

0:08:06.080 --> 0:08:09.520
<v Speaker 2>her other cast, like being ungrateful for the show that

0:08:09.600 --> 0:08:12.600
<v Speaker 2>launched her career. You know, she did a she she

0:08:12.720 --> 0:08:16.000
<v Speaker 2>starred in Crazy Rich Asians, which was that big movie

0:08:16.120 --> 0:08:19.080
<v Speaker 2>when was that last summer that came out, romantic comedy

0:08:19.120 --> 0:08:21.640
<v Speaker 2>with an all Asian cast, you know, so she's kind

0:08:21.640 --> 0:08:24.080
<v Speaker 2>of got the show to be thankful for the career

0:08:24.440 --> 0:08:27.040
<v Speaker 2>as a you know actor that she has, and that

0:08:27.240 --> 0:08:31.040
<v Speaker 2>was how she responded. So Baby Girl also got dragged.

0:08:31.680 --> 0:08:37.240
<v Speaker 2>Just don't tweet, just get a diary.

0:08:35.679 --> 0:08:37.920
<v Speaker 3>Like I guess you know, I'm not here to judge

0:08:37.920 --> 0:08:40.280
<v Speaker 3>because I'm like, god forbid, I'm not gonna lie. I've

0:08:40.280 --> 0:08:42.959
<v Speaker 3>seen people that I know get dragged basically, and I've

0:08:42.960 --> 0:08:45.000
<v Speaker 3>gone through my Twitter and then I was like girl,

0:08:45.040 --> 0:08:46.760
<v Speaker 3>after like you know, twelve pages of scrolling, I'm like,

0:08:46.800 --> 0:08:50.080
<v Speaker 3>I can't do this. But I think to myself, like,

0:08:50.120 --> 0:08:53.560
<v Speaker 3>have I ever tweeted or face mood or Facebook or

0:08:53.559 --> 0:08:55.040
<v Speaker 3>Instagram something problematic.

0:08:56.240 --> 0:08:57.800
<v Speaker 1>There was only two times that I said I got

0:08:57.880 --> 0:08:58.520
<v Speaker 1>dragged on ig.

0:08:59.280 --> 0:09:03.000
<v Speaker 3>Once was I said I had a like a sign

0:09:03.720 --> 0:09:06.160
<v Speaker 3>it said co sign and the head a line through it,

0:09:06.200 --> 0:09:08.079
<v Speaker 3>and I was like, don't co sign. Co signing is

0:09:08.160 --> 0:09:11.040
<v Speaker 3>really a good idea, and that you know that you

0:09:11.200 --> 0:09:12.760
<v Speaker 3>I don't think people understand you have to take full

0:09:12.800 --> 0:09:16.240
<v Speaker 3>responsibility for that person's loan. Surprisingly, I mean like, of

0:09:16.280 --> 0:09:17.960
<v Speaker 3>course a lot of people were like yeah, but people were.

0:09:17.840 --> 0:09:18.360
<v Speaker 1>Mad at that.

0:09:19.120 --> 0:09:25.360
<v Speaker 3>I was like, okay, you're mad because co signing leaves you,

0:09:25.360 --> 0:09:25.640
<v Speaker 3>you know.

0:09:25.640 --> 0:09:26.720
<v Speaker 1>Financially responsible.

0:09:26.800 --> 0:09:28.760
<v Speaker 3>I was surprised people were like, well, some of us

0:09:28.840 --> 0:09:30.440
<v Speaker 3>can't get a car, we don't get a co signer.

0:09:30.559 --> 0:09:33.319
<v Speaker 1>I'm like ma'am. That is the point. That is the point.

0:09:33.640 --> 0:09:37.199
<v Speaker 3>I mean, you know, I mean I understand that some

0:09:37.280 --> 0:09:41.080
<v Speaker 3>folks need co signers because they're like, I'm not able

0:09:41.120 --> 0:09:43.520
<v Speaker 3>to but that what I'm saying is the fact that

0:09:43.559 --> 0:09:47.280
<v Speaker 3>you need one is puts the other person in financial

0:09:47.360 --> 0:09:49.120
<v Speaker 3>harms way because what it really means is that you

0:09:49.160 --> 0:09:51.600
<v Speaker 3>really can't afford the thing that you're getting, and it's

0:09:51.720 --> 0:09:53.280
<v Speaker 3>likely that person's going to have to pay for it

0:09:53.320 --> 0:09:55.560
<v Speaker 3>for you, and so, and I said, it's really a

0:09:55.559 --> 0:09:57.079
<v Speaker 3>good idea and not never ever ever, because I know

0:09:57.120 --> 0:09:59.800
<v Speaker 3>there's some extranuiny circumstances. But I remember that was one

0:09:59.800 --> 0:10:01.640
<v Speaker 3>time I kind of got dragged it. People were like

0:10:01.800 --> 0:10:02.839
<v Speaker 3>this is irresponsible.

0:10:02.880 --> 0:10:05.880
<v Speaker 2>I'm like what they were just mad because like they're

0:10:05.880 --> 0:10:08.320
<v Speaker 2>antier their uncle whoever they were gonna ask for Bunny

0:10:08.360 --> 0:10:11.880
<v Speaker 2>probably fine and not helping my case.

0:10:12.200 --> 0:10:14.319
<v Speaker 3>I know. I was like, so I was APPRISTI but

0:10:14.320 --> 0:10:15.520
<v Speaker 3>I kept it up because I was like, I didn't

0:10:15.520 --> 0:10:17.720
<v Speaker 3>say anything offensive, I said, you know, I kept it up.

0:10:17.760 --> 0:10:20.000
<v Speaker 3>I was like, well, I understand you being upset because

0:10:20.000 --> 0:10:21.679
<v Speaker 3>maybe your dad co signed you for you ten years

0:10:21.720 --> 0:10:23.480
<v Speaker 3>ago in to work down because I'm not gonna lie

0:10:23.520 --> 0:10:25.720
<v Speaker 3>Superman asked me to co sign or we were dating,

0:10:25.720 --> 0:10:27.440
<v Speaker 3>and I said no, he was mad and guess what.

0:10:27.600 --> 0:10:31.079
<v Speaker 3>I was like, okay, the answer was still now. So

0:10:31.200 --> 0:10:33.480
<v Speaker 3>he got over it and so will people. And then

0:10:33.559 --> 0:10:36.000
<v Speaker 3>second thing I posted it wasn't me. I didn't reveally

0:10:36.040 --> 0:10:37.760
<v Speaker 3>get dragged for it, but it was like this like

0:10:38.600 --> 0:10:41.640
<v Speaker 3>this picture of, like I guess, a woman. It was

0:10:41.640 --> 0:10:43.559
<v Speaker 3>like a like a meme of like a silhouette of

0:10:43.559 --> 0:10:46.520
<v Speaker 3>a woman stages of pregnancy like one month, two months,

0:10:46.520 --> 0:10:48.640
<v Speaker 3>all the way to you know, nine months. And it

0:10:48.720 --> 0:10:52.280
<v Speaker 3>was like, it's when, when is it ever good great

0:10:52.280 --> 0:10:53.720
<v Speaker 3>to ask a woman if she's pregnant?

0:10:53.720 --> 0:10:56.880
<v Speaker 1>And it was like none of these times, you know, yep, and.

0:10:56.920 --> 0:11:02.880
<v Speaker 3>So you know, and so they were just like, you know, yeah, yeah,

0:11:02.920 --> 0:11:05.440
<v Speaker 3>well not dragged, but people were like I just said.

0:11:05.280 --> 0:11:08.080
<v Speaker 1>You just don't know what people are going through, you

0:11:08.120 --> 0:11:09.440
<v Speaker 1>know when, and so just.

0:11:09.320 --> 0:11:11.560
<v Speaker 3>To not I mean, I get it, you know, because

0:11:11.600 --> 0:11:13.520
<v Speaker 3>I mean, I mean, who's not not curious when you

0:11:13.520 --> 0:11:15.280
<v Speaker 3>see a woman's beeny like, oh, she's pregnant.

0:11:15.559 --> 0:11:16.000
<v Speaker 1>I get it.

0:11:16.000 --> 0:11:19.160
<v Speaker 3>But so many times that people are going through something

0:11:19.160 --> 0:11:21.360
<v Speaker 3>and it can be really difficult. I had a miscarriage,

0:11:21.360 --> 0:11:25.400
<v Speaker 3>like a two years ago, and I remember on social

0:11:25.440 --> 0:11:28.520
<v Speaker 3>media everyone was like, ooh girl, I see you.

0:11:28.559 --> 0:11:30.680
<v Speaker 1>I know he's pregnant, and he's pregnant. I was like, actually, no,

0:11:30.760 --> 0:11:33.000
<v Speaker 1>the baby died, but thanks, and I get it.

0:11:33.000 --> 0:11:36.440
<v Speaker 3>I mean, no one was asking maliciously and that wasn't

0:11:36.440 --> 0:11:39.319
<v Speaker 3>what it was about. But it was just every I mean,

0:11:39.440 --> 0:11:41.559
<v Speaker 3>so many people were like, I know you're pregnant. I

0:11:41.600 --> 0:11:43.880
<v Speaker 3>see I know, and I'm like, oh my. I literally

0:11:43.960 --> 0:11:45.800
<v Speaker 3>had to just like log off because it was like,

0:11:45.880 --> 0:11:49.080
<v Speaker 3>oh my gosh, like I'm not pregnant anymore, like you know,

0:11:49.720 --> 0:11:51.800
<v Speaker 3>so I just you know. So I wasn't dragged for that,

0:11:51.840 --> 0:11:53.559
<v Speaker 3>but definitely a lot of people were like, I think

0:11:53.600 --> 0:11:58.160
<v Speaker 3>that's unfair. Someone actually said in that post like something like, well,

0:11:58.200 --> 0:12:00.800
<v Speaker 3>my mother told me that if I'm curre is to ask.

0:12:01.000 --> 0:12:09.160
<v Speaker 4>I'm like, it's about being empathetic and not judging people,

0:12:09.360 --> 0:12:11.199
<v Speaker 4>like I think I'll teach my future kids that to

0:12:11.240 --> 0:12:11.800
<v Speaker 4>not judge.

0:12:11.840 --> 0:12:13.920
<v Speaker 2>And you never know what's going on in Smiles's lives

0:12:13.960 --> 0:12:16.520
<v Speaker 2>before you snap that photo, you know, tweet about them.

0:12:16.600 --> 0:12:18.320
<v Speaker 2>They could make a mean tweet about them.

0:12:18.440 --> 0:12:19.479
<v Speaker 1>You ask questions.

0:12:22.160 --> 0:12:24.880
<v Speaker 2>Exactly, your maness is not worth it.

0:12:24.880 --> 0:12:27.400
<v Speaker 3>It's not I mean, and just think about like, you know,

0:12:27.440 --> 0:12:30.000
<v Speaker 3>I always think about when I post. You know, I

0:12:30.040 --> 0:12:32.840
<v Speaker 3>have never had to post something that I won't say never,

0:12:32.880 --> 0:12:34.600
<v Speaker 3>I mean not not that I can remember that I

0:12:34.640 --> 0:12:37.600
<v Speaker 3>have to like, oh, I should remove this because this

0:12:37.760 --> 0:12:40.160
<v Speaker 3>is really like crazy. Like I said, you know the

0:12:40.200 --> 0:12:41.640
<v Speaker 3>coatsne if you think people are mad, I'm not, but

0:12:41.679 --> 0:12:43.480
<v Speaker 3>they could stay mad because I wasn't wrong and I

0:12:43.520 --> 0:12:46.560
<v Speaker 3>wasn't being judgmental. I was trying to be helpful and

0:12:46.679 --> 0:12:51.319
<v Speaker 3>so but I just think that sometimes we post without thinking.

0:12:51.400 --> 0:12:53.320
<v Speaker 1>But I don't know what Constant was thinking. I mean

0:12:53.360 --> 0:12:57.440
<v Speaker 1>when when what what? Like universe would that be? Okay?

0:12:58.040 --> 0:13:00.199
<v Speaker 2>I think we're gonna feel sorry for you. Do you

0:13:00.240 --> 0:13:01.839
<v Speaker 2>want sympathy? Honey? Boo boo?

0:13:01.960 --> 0:13:02.200
<v Speaker 3>Child?

0:13:02.240 --> 0:13:04.520
<v Speaker 2>Like you have to think about how people will perceive

0:13:04.600 --> 0:13:07.280
<v Speaker 2>that you are a wealthy person and in a career

0:13:07.360 --> 0:13:09.920
<v Speaker 2>that is very glamorous, you know, making tons of money,

0:13:09.960 --> 0:13:11.640
<v Speaker 2>and to complain about the fact that you have a

0:13:11.720 --> 0:13:14.200
<v Speaker 2>job when it was also like this is so terrible.

0:13:14.360 --> 0:13:16.800
<v Speaker 2>It's also the week when all the other shows get canceled,

0:13:16.840 --> 0:13:19.280
<v Speaker 2>and you know, you see all these headlines of all

0:13:19.320 --> 0:13:21.120
<v Speaker 2>these shows that get canceled, and then she's out here

0:13:21.120 --> 0:13:25.920
<v Speaker 2>complaining about hers being renewed. So yikes, she's got She's

0:13:25.960 --> 0:13:28.360
<v Speaker 2>like deleted the tweet some of the tweets and has

0:13:28.440 --> 0:13:29.120
<v Speaker 2>gone under cover.

0:13:29.200 --> 0:13:31.880
<v Speaker 1>But she yeah, she's gonna go on set now. They're

0:13:31.880 --> 0:13:32.800
<v Speaker 1>gonna look at her life.

0:13:32.679 --> 0:13:37.520
<v Speaker 2>Right too, Like come on. So that is your your

0:13:37.640 --> 0:13:40.200
<v Speaker 2>entertainment news. One last thing though, that people are probably

0:13:40.200 --> 0:13:43.439
<v Speaker 2>wondering about. We're talking about China trade war. Ug in.

0:13:43.559 --> 0:13:46.400
<v Speaker 2>I thought this had kind of died down, but Trump

0:13:46.400 --> 0:13:50.240
<v Speaker 2>and China just can't get along, mister master negotiator. Just

0:13:50.360 --> 0:13:54.080
<v Speaker 2>all we keep doing is increasing taxes on Chinese products,

0:13:54.080 --> 0:13:56.920
<v Speaker 2>and they're increasing taxes on our stuff in turn. And

0:13:57.000 --> 0:14:00.000
<v Speaker 2>if you're wondering, like what impact this has on you,

0:14:00.280 --> 0:14:03.280
<v Speaker 2>there's a report that came out because we're talking about

0:14:03.280 --> 0:14:05.600
<v Speaker 2>like so much of your stuff, all those appliances, Tiffany

0:14:05.720 --> 0:14:09.480
<v Speaker 2>that you just bought, China probably produce them. And I

0:14:09.520 --> 0:14:12.520
<v Speaker 2>think washing machines are one of the products that, like

0:14:12.800 --> 0:14:17.080
<v Speaker 2>the big manufacturers of household appliances have been rolling in

0:14:17.120 --> 0:14:20.640
<v Speaker 2>cash because the extra tariffs that China has imposed on

0:14:20.680 --> 0:14:24.360
<v Speaker 2>those products has has led to price increases that have

0:14:25.240 --> 0:14:27.840
<v Speaker 2>helped them out but then gotten passed down to consumers.

0:14:27.880 --> 0:14:32.400
<v Speaker 2>But this new report says that increasing taxes or tariffs

0:14:32.440 --> 0:14:36.280
<v Speaker 2>on Chinese goods would cost a US family of for

0:14:36.880 --> 0:14:39.880
<v Speaker 2>almost eight hundred dollars a year and could lead to

0:14:40.240 --> 0:14:44.440
<v Speaker 2>nearly a million jobs being lost. And that list of

0:14:44.480 --> 0:14:47.600
<v Speaker 2>appliances that could be impacted by these increased tariffs like

0:14:47.600 --> 0:14:51.840
<v Speaker 2>air conditioners. I mentioned, appliances including refrigerators, parts that go

0:14:51.880 --> 0:14:56.600
<v Speaker 2>into cars, bicycles, clothing, I means like everything, cosmetics, electronics,

0:14:57.160 --> 0:15:02.480
<v Speaker 2>even some foods, furniture, hand oh my god, home improvement items. Yeah,

0:15:02.560 --> 0:15:05.200
<v Speaker 2>Enrique is gonna love that. And it may be things

0:15:05.240 --> 0:15:07.240
<v Speaker 2>that you don't notice and maybe like a dollar here,

0:15:07.400 --> 0:15:09.720
<v Speaker 2>five dollars there, or you know, eighty bucks that we're

0:15:09.720 --> 0:15:13.640
<v Speaker 2>talking about a big appliance. But these types of like

0:15:13.760 --> 0:15:17.320
<v Speaker 2>it may sound like very abstract, you know, China US

0:15:17.400 --> 0:15:20.080
<v Speaker 2>trade war, but it's really hitting our wallets now.

0:15:20.600 --> 0:15:21.400
<v Speaker 1>Yeah.

0:15:21.760 --> 0:15:25.560
<v Speaker 3>I remember, even when I was getting my cabinets, the

0:15:25.880 --> 0:15:28.960
<v Speaker 3>guy was like, Okay, so at any moment, you know,

0:15:28.960 --> 0:15:31.040
<v Speaker 3>they're going to send me a facts or whatever saying

0:15:31.080 --> 0:15:34.320
<v Speaker 3>that you know that there is the price has increased

0:15:34.320 --> 0:15:36.600
<v Speaker 3>because of increased taxes on what we're ordering.

0:15:36.920 --> 0:15:38.120
<v Speaker 1>So he was like, so as soon as.

0:15:38.040 --> 0:15:39.560
<v Speaker 3>You know what you want, let me know. I remember

0:15:39.560 --> 0:15:40.960
<v Speaker 3>that was like a very real thing. As I was

0:15:41.000 --> 0:15:43.400
<v Speaker 3>like deciding what to get. You know that at any

0:15:43.440 --> 0:15:46.520
<v Speaker 3>moment it could go up significantly, and so you know,

0:15:46.600 --> 0:15:50.480
<v Speaker 3>it's it affects everyone, whether you're renovating, whether you're just

0:15:50.560 --> 0:15:53.920
<v Speaker 3>getting your carpex. So you know that's like I mean

0:15:55.000 --> 0:15:57.880
<v Speaker 3>to quote the great Rodney King. Can't we all just

0:15:57.880 --> 0:15:58.400
<v Speaker 3>get along?

0:15:59.760 --> 0:15:59.840
<v Speaker 1>Ye?

0:16:01.040 --> 0:16:06.000
<v Speaker 2>Not today? Not today apparently, so uh think about that. Man,

0:16:07.040 --> 0:16:08.480
<v Speaker 2>Look what y'all's president is doing?

0:16:09.400 --> 0:16:12.440
<v Speaker 1>Like, not my president, not my president.

0:16:13.120 --> 0:16:15.520
<v Speaker 2>That's your buzzworthy. Anything else you want to chat about.

0:16:16.760 --> 0:16:17.240
<v Speaker 1>There's one thing.

0:16:17.280 --> 0:16:19.160
<v Speaker 3>But I think I'm gonna make my brown.

0:16:19.160 --> 0:16:24.840
<v Speaker 2>Break tease us. Okay, fine, that's cool. All right, well

0:16:24.920 --> 0:16:26.800
<v Speaker 2>let's take a quick break and we'll be right back.

0:17:00.280 --> 0:17:02.800
<v Speaker 1>We're back. We're back. We're brown.

0:17:03.400 --> 0:17:08.359
<v Speaker 2>Oh okay, we were brown and now we're proud. I

0:17:08.400 --> 0:17:10.680
<v Speaker 2>can't even do I don't have that octave.

0:17:11.160 --> 0:17:13.159
<v Speaker 3>Yeah, I had that lower I didn't even know that

0:17:13.200 --> 0:17:15.320
<v Speaker 3>I had a deeper voice until someone was like, I

0:17:15.359 --> 0:17:16.240
<v Speaker 3>was like maybe in middle school.

0:17:16.240 --> 0:17:18.480
<v Speaker 1>They're like, Tiffany, you have a deep voice, and I'm like, dure,

0:17:19.240 --> 0:17:19.520
<v Speaker 1>you do.

0:17:19.680 --> 0:17:21.720
<v Speaker 2>I think that's what makes our show easy to listen

0:17:21.760 --> 0:17:25.840
<v Speaker 2>to is because we sound so different theage voice. Oh

0:17:25.840 --> 0:17:27.080
<v Speaker 2>it's hard to hear myself say.

0:17:27.880 --> 0:17:30.000
<v Speaker 3>Really, I feel like I could go high because sometimes

0:17:30.040 --> 0:17:32.239
<v Speaker 3>when I get excited, I'm definitely you know.

0:17:32.480 --> 0:17:34.879
<v Speaker 1>But I didn't, you know, I'm like I have a deep.

0:17:34.760 --> 0:17:37.000
<v Speaker 3>Because one time, I remember, I didn't realize I guess

0:17:37.080 --> 0:17:39.760
<v Speaker 3>too till high school, you know, and guys if I

0:17:39.840 --> 0:17:41.480
<v Speaker 3>was like sneaking and talking on the phone to a boy,

0:17:41.520 --> 0:17:46.560
<v Speaker 3>and they'd be like ooh, Tiffany, and I'm like what what?

0:17:48.200 --> 0:17:50.320
<v Speaker 3>And they thought I was trying to like le I

0:17:50.480 --> 0:17:53.440
<v Speaker 3>was literally just talking. I was trying to be sexy,

0:17:53.720 --> 0:17:59.120
<v Speaker 3>not trying to be sexy. I'm fourteen. So what's up next?

0:17:59.119 --> 0:18:00.840
<v Speaker 3>So we're gonna we're doing we do brown break brown

0:18:00.880 --> 0:18:04.840
<v Speaker 3>boost now breaks yep, good round.

0:18:04.640 --> 0:18:08.000
<v Speaker 1>Break round bruist. So are you gonna break or are

0:18:08.040 --> 0:18:08.840
<v Speaker 1>you gonna have boost?

0:18:09.240 --> 0:18:12.000
<v Speaker 2>I'm gonna take a break, an easy break.

0:18:12.520 --> 0:18:14.280
<v Speaker 1>Okay, I'm gonna take a break too, but I'm gonna

0:18:14.280 --> 0:18:14.680
<v Speaker 1>go first.

0:18:14.840 --> 0:18:16.239
<v Speaker 2>Okay, so you got it.

0:18:17.640 --> 0:18:19.679
<v Speaker 1>I should have listened to my sister, but I didn't.

0:18:20.400 --> 0:18:24.320
<v Speaker 3>So I use robin hood to like just buy stocks,

0:18:24.320 --> 0:18:26.560
<v Speaker 3>you know, not like seriously, like you know, I'm not

0:18:26.600 --> 0:18:29.520
<v Speaker 3>spending tens of thousands of dollars just sometimes a few

0:18:29.600 --> 0:18:33.480
<v Speaker 3>hundred here, a few hundred there. And so typically my

0:18:33.840 --> 0:18:37.800
<v Speaker 3>sister Carol, she is the fourth I'm like third fourth

0:18:38.560 --> 0:18:41.639
<v Speaker 3>in line, and Carol like studies market and like you know,

0:18:42.400 --> 0:18:44.560
<v Speaker 3>she doesn't really invest right now because she's like saving.

0:18:44.680 --> 0:18:47.439
<v Speaker 3>She got two kids, so cha who has the extra income,

0:18:48.440 --> 0:18:50.200
<v Speaker 3>But she definitely studies the market. And we kind of

0:18:50.200 --> 0:18:52.680
<v Speaker 3>have like a group chat where she'll say something like

0:18:52.680 --> 0:18:56.800
<v Speaker 3>like beyond me, for for example, just iPod, and so

0:18:57.359 --> 0:18:58.040
<v Speaker 3>I bought.

0:18:57.760 --> 0:18:59.080
<v Speaker 1>Some shares and.

0:19:00.520 --> 0:19:02.200
<v Speaker 3>I did pretty good. I mean, like you know, it's

0:19:02.200 --> 0:19:04.600
<v Speaker 3>definitely it's I didn't buy as quickly as I should

0:19:04.600 --> 0:19:07.159
<v Speaker 3>have because they're like doubled that day, I think, I

0:19:07.200 --> 0:19:09.960
<v Speaker 3>think it they opened at like forty five or like

0:19:10.000 --> 0:19:12.080
<v Speaker 3>twenty five or something like that and they closed at

0:19:12.080 --> 0:19:13.120
<v Speaker 3>like seventy.

0:19:12.880 --> 0:19:15.480
<v Speaker 2>And beyond Me. I actually just had my first beyond

0:19:15.960 --> 0:19:19.360
<v Speaker 2>Hamburger by accident, and it was the first I'd ever

0:19:19.359 --> 0:19:21.159
<v Speaker 2>heard of them. And now I heard that they're going

0:19:21.240 --> 0:19:23.159
<v Speaker 2>public and it was like all the news today, but

0:19:23.200 --> 0:19:24.639
<v Speaker 2>they're like Vegan meats, right.

0:19:24.800 --> 0:19:26.760
<v Speaker 3>Yeah, but they already went public and they did very well.

0:19:26.760 --> 0:19:30.160
<v Speaker 3>They ipid iPod very well. Like they like Rodrew Bold

0:19:30.840 --> 0:19:34.560
<v Speaker 3>or tripled. So so Uber was coming out and I

0:19:34.560 --> 0:19:36.120
<v Speaker 3>think my mom put in the group chat. I didn't

0:19:36.119 --> 0:19:37.840
<v Speaker 3>even know she was in the group chat. I was like, Sylvia,

0:19:37.880 --> 0:19:41.160
<v Speaker 3>what are you doing here? She was like, hey heard

0:19:41.160 --> 0:19:45.159
<v Speaker 3>that Uber is ipoing today, you know, like initial public

0:19:45.200 --> 0:19:47.600
<v Speaker 3>offering for those of you asking what IPO means?

0:19:48.400 --> 0:19:49.080
<v Speaker 1>Should we buy?

0:19:49.760 --> 0:19:52.439
<v Speaker 3>You know, because I put I put Robin Hood on

0:19:52.480 --> 0:19:56.000
<v Speaker 3>everyone's phone, including my mom and my dad, and so

0:19:56.080 --> 0:19:59.240
<v Speaker 3>now you know, Sylvia thinks she's doing something. And my

0:19:59.400 --> 0:20:03.480
<v Speaker 3>sister Carol was like, m I don't know, you know,

0:20:03.680 --> 0:20:05.639
<v Speaker 3>it's not looking good after doing our research. I you know,

0:20:05.680 --> 0:20:07.520
<v Speaker 3>I likely would it. I didn't listen. I was like,

0:20:07.640 --> 0:20:10.360
<v Speaker 3>shoe girl, let me get five of these shares.

0:20:11.000 --> 0:20:13.040
<v Speaker 1>And so I think I got five shares at forty

0:20:13.080 --> 0:20:14.160
<v Speaker 1>two bucks apiece.

0:20:13.880 --> 0:20:17.119
<v Speaker 3>You know, feeling my beat, you know, I was like,

0:20:17.600 --> 0:20:19.440
<v Speaker 3>I mean, like I said, I don't you know, I didn't.

0:20:19.560 --> 0:20:21.639
<v Speaker 3>I'm not spending a ton of money, but still it's money.

0:20:22.080 --> 0:20:25.960
<v Speaker 3>So they of course had the worst IPO in history,

0:20:27.160 --> 0:20:30.840
<v Speaker 3>the worst IPO history, Like it opened at I wanted

0:20:30.880 --> 0:20:33.240
<v Speaker 3>it open that. I think it opened at forty one

0:20:33.480 --> 0:20:36.080
<v Speaker 3>or something like that. It closed like at like it's

0:20:36.280 --> 0:20:39.399
<v Speaker 3>right now at thirty nine, the worst IPO in history.

0:20:39.440 --> 0:20:41.760
<v Speaker 1>I mean everyone is like shesh.

0:20:41.400 --> 0:20:43.400
<v Speaker 2>I'm sure there's worse IPOs.

0:20:43.680 --> 0:20:45.760
<v Speaker 3>No, No, I think like it was like Facebook didn't

0:20:45.800 --> 0:20:48.440
<v Speaker 3>do well when it first ipo, but it was like there,

0:20:48.640 --> 0:20:50.119
<v Speaker 3>I think I read somewhere that it was like the

0:20:50.119 --> 0:20:53.760
<v Speaker 3>worst IPO. Yeah, I know, so, I mean it wasn't.

0:20:54.040 --> 0:20:56.480
<v Speaker 3>I'm not I'm not even being sarcastic. I really believe

0:20:56.560 --> 0:20:59.160
<v Speaker 3>that that's what I read somewhere Uber ipo. Let me see

0:20:59.160 --> 0:21:01.919
<v Speaker 3>it like what it's coming up, but yeah, that it

0:21:02.000 --> 0:21:05.480
<v Speaker 3>was really really really it was really bad.

0:21:05.680 --> 0:21:07.879
<v Speaker 2>Lift had a bad IPO too, and that's one of

0:21:07.920 --> 0:21:10.400
<v Speaker 2>the reasons why when Uber, well, I don't really ever

0:21:10.440 --> 0:21:13.199
<v Speaker 2>get that excited about IPOs and like invest in and

0:21:13.359 --> 0:21:16.360
<v Speaker 2>I think my husband he's like invested in a couple recently,

0:21:16.800 --> 0:21:19.359
<v Speaker 2>not a ton, but a little bit. But yeah, like

0:21:19.400 --> 0:21:22.159
<v Speaker 2>seeing Lyft and Uber and they're also older companies, and

0:21:22.240 --> 0:21:24.200
<v Speaker 2>I feel like the shine has kind of worn off

0:21:24.240 --> 0:21:29.120
<v Speaker 2>the the ride share industry, and especially like Uber's all

0:21:29.240 --> 0:21:33.720
<v Speaker 2>the workplace, you know, things that came to light about

0:21:33.760 --> 0:21:36.000
<v Speaker 2>like sexual harassment and how they have like a toxic

0:21:36.119 --> 0:21:39.760
<v Speaker 2>work culture. I don't know. So I was watching their

0:21:39.800 --> 0:21:41.840
<v Speaker 2>IPO and that I mean, at least you only got

0:21:41.880 --> 0:21:42.920
<v Speaker 2>five shares.

0:21:43.200 --> 0:21:44.960
<v Speaker 3>Yeah, that's and I usually only get like you know,

0:21:45.040 --> 0:21:48.080
<v Speaker 3>like literally like I just use Robinhood to kind of

0:21:48.119 --> 0:21:50.639
<v Speaker 3>like you know, practice and play. So I was like,

0:21:50.680 --> 0:21:52.600
<v Speaker 3>you know, I'm gonna get five And of course Carol,

0:21:52.640 --> 0:21:55.199
<v Speaker 3>I didn't tell my so I whope, group chat is

0:21:55.200 --> 0:21:57.440
<v Speaker 3>not listening. So like at the end of the day,

0:21:57.520 --> 0:21:59.320
<v Speaker 3>you know, when the market closed, Carol like, you know,

0:21:59.359 --> 0:22:01.720
<v Speaker 3>did a show was such a screenshot like open Clothes.

0:22:01.840 --> 0:22:04.719
<v Speaker 3>She was like, you're welcome, guys. They had a terrible IPO.

0:22:04.840 --> 0:22:10.920
<v Speaker 1>It's like, hey, yeah, yeah, thought so Karap, you're listening.

0:22:11.080 --> 0:22:12.520
<v Speaker 1>You're right, she told us.

0:22:12.560 --> 0:22:14.000
<v Speaker 3>She was like, just wait, I don't think it's you know,

0:22:14.040 --> 0:22:15.879
<v Speaker 3>I don't think it's going to do well today, and

0:22:16.880 --> 0:22:18.800
<v Speaker 3>you know, I don't know how Uber's going to do overall.

0:22:18.880 --> 0:22:21.400
<v Speaker 3>Because the truth is a lot of these companies are

0:22:21.440 --> 0:22:25.760
<v Speaker 3>not profitable, and it's such a strange culture where not

0:22:25.920 --> 0:22:28.800
<v Speaker 3>being profitable it is actually okay, and I don't think.

0:22:28.640 --> 0:22:29.320
<v Speaker 1>People get it.

0:22:29.359 --> 0:22:32.959
<v Speaker 3>Like so for me, regular people when they have their business,

0:22:33.240 --> 0:22:36.680
<v Speaker 3>if you're not profitable, that's really bad because that means

0:22:36.680 --> 0:22:39.199
<v Speaker 3>you're not making any money. That means, you know, you

0:22:39.280 --> 0:22:42.720
<v Speaker 3>spent one hundred thousand dollars to make ninety thousand, you're

0:22:42.760 --> 0:22:47.040
<v Speaker 3>not profitable. But for these big mega companies, they're okay

0:22:47.119 --> 0:22:51.120
<v Speaker 3>with not being profitable. Amazon was not profitable until like recently,

0:22:51.640 --> 0:22:54.240
<v Speaker 3>like most of these megative companies are not making a profit.

0:22:54.760 --> 0:22:56.360
<v Speaker 1>Instead, they are.

0:22:56.440 --> 0:22:59.600
<v Speaker 3>Valued, like you know, they have this valuation, meaning that

0:23:00.160 --> 0:23:02.480
<v Speaker 3>it's somewhere along the line the market or whatever has

0:23:02.520 --> 0:23:05.159
<v Speaker 3>decided that this company is worth this amount of money.

0:23:05.600 --> 0:23:07.840
<v Speaker 3>So in their mind it's okay that they're not making

0:23:07.880 --> 0:23:11.720
<v Speaker 3>profit as a company, but that if they were to

0:23:11.800 --> 0:23:14.240
<v Speaker 3>sell it, they would get their money back plus them.

0:23:14.960 --> 0:23:16.679
<v Speaker 3>And so many of these companies don't belong to the

0:23:16.720 --> 0:23:19.199
<v Speaker 3>original owners. If you guys ever listen to How I

0:23:19.200 --> 0:23:22.119
<v Speaker 3>Built this. If they're like a it's like a podcast

0:23:21.840 --> 0:23:25.560
<v Speaker 3>about like business of people who start businesses and they're

0:23:25.600 --> 0:23:29.159
<v Speaker 3>really successful with out like Whole Foods, and so people

0:23:29.200 --> 0:23:31.959
<v Speaker 3>want these huge valuations, but more and more it's all

0:23:32.000 --> 0:23:35.520
<v Speaker 3>smoking mirrors, you know, and so and people will give

0:23:35.560 --> 0:23:38.560
<v Speaker 3>away like I don't I don't have any any adventure

0:23:38.600 --> 0:23:42.720
<v Speaker 3>capital money. So venture capitalists are people who give you

0:23:42.800 --> 0:23:45.840
<v Speaker 3>money for your company, typically in exchange for peace of

0:23:45.880 --> 0:23:49.560
<v Speaker 3>your company, because the thought is that one day you'll

0:23:49.640 --> 0:23:52.320
<v Speaker 3>sell and then they'll get their money back plus plus

0:23:52.320 --> 0:23:54.879
<v Speaker 3>a lot. So sometimes they don't They're okay with you

0:23:54.920 --> 0:23:57.679
<v Speaker 3>not being profitable. But it's a very strange culture in

0:23:57.800 --> 0:24:01.159
<v Speaker 3>business now where there are people who I listened to

0:24:01.160 --> 0:24:03.640
<v Speaker 3>on how I built this who now only own four

0:24:03.640 --> 0:24:06.159
<v Speaker 3>percent five percent of their company. And I'm like, so,

0:24:06.200 --> 0:24:10.359
<v Speaker 3>you you started this whole dream, you worked really hard,

0:24:10.720 --> 0:24:13.639
<v Speaker 3>you busted your behind to start the budget Pisa, let's say,

0:24:14.160 --> 0:24:16.359
<v Speaker 3>and you sold pieces of it off. So I mean

0:24:16.400 --> 0:24:18.240
<v Speaker 3>you can grow because you need money to grow, and

0:24:18.240 --> 0:24:20.879
<v Speaker 3>you didn't have the money yourself. And now, as typically

0:24:20.920 --> 0:24:25.400
<v Speaker 3>the budgetiessa, I only own four percent of my baby,

0:24:25.440 --> 0:24:28.160
<v Speaker 3>and so when we sell it for one hundred million dollars,

0:24:28.240 --> 0:24:29.040
<v Speaker 3>I get four million.

0:24:29.359 --> 0:24:31.480
<v Speaker 1>It just seems crazy. I just I'm not down with that.

0:24:31.760 --> 0:24:33.359
<v Speaker 3>I own one hundred percent of the bunche Oftesa, and

0:24:33.400 --> 0:24:35.840
<v Speaker 3>I know I'm not as big obviously as Uber, and

0:24:35.880 --> 0:24:37.560
<v Speaker 3>so it's one of the reasons why people do that.

0:24:37.560 --> 0:24:39.199
<v Speaker 3>It's because they want to be able to scale and

0:24:39.240 --> 0:24:41.480
<v Speaker 3>grow quickly. So you get a lot of money you

0:24:41.560 --> 0:24:43.320
<v Speaker 3>invest into the company to grow quickly.

0:24:43.800 --> 0:24:46.760
<v Speaker 1>But I just I don't know. It just it seems

0:24:46.760 --> 0:24:47.119
<v Speaker 1>weird to me.

0:24:47.200 --> 0:24:50.480
<v Speaker 3>So that's why my round break is like it's inflated

0:24:51.040 --> 0:24:56.119
<v Speaker 3>companies because I just don't see the point. I guess,

0:24:56.480 --> 0:24:58.040
<v Speaker 3>but I mean people like Jeff Bezos is like the

0:24:58.119 --> 0:25:01.040
<v Speaker 3>richest man in the country, so clearly he knows something

0:25:01.040 --> 0:25:03.159
<v Speaker 3>that I do. I just don't get how running a

0:25:03.200 --> 0:25:05.320
<v Speaker 3>nonprofitable business is like that it's the goal.

0:25:05.480 --> 0:25:09.840
<v Speaker 2>You know, did he invest in Uber Jeff Bezos?

0:25:09.920 --> 0:25:11.560
<v Speaker 1>Yeah, he's the CEO of Amazon.

0:25:11.880 --> 0:25:13.480
<v Speaker 2>I know. I was just wondering, why what did he

0:25:13.520 --> 0:25:14.120
<v Speaker 2>have to do with.

0:25:14.520 --> 0:25:16.399
<v Speaker 3>Oh no, I was just saying that, like Amazon is

0:25:16.400 --> 0:25:18.880
<v Speaker 3>not profitable or was like just recently profitable, even though

0:25:18.880 --> 0:25:21.080
<v Speaker 3>it's like this huge conglomerate. It's like, this is a

0:25:21.080 --> 0:25:21.720
<v Speaker 3>man who's like the.

0:25:21.680 --> 0:25:23.679
<v Speaker 2>Recent Amazon hasn't been profitable.

0:25:24.080 --> 0:25:27.040
<v Speaker 3>It wasn't Yeah, it wasn't profitable for a long time time.

0:25:27.600 --> 0:25:29.919
<v Speaker 3>And you're like, I mean like more recently than not,

0:25:30.119 --> 0:25:33.200
<v Speaker 3>you know, And I was like, how don't I don't

0:25:33.200 --> 0:25:36.480
<v Speaker 3>get it? You know, yeah, I know, I'm not gonna

0:25:36.920 --> 0:25:37.920
<v Speaker 3>I'm not. I don't get it.

0:25:38.000 --> 0:25:43.160
<v Speaker 2>So crazy, Well, that's why you know, play money, play

0:25:43.200 --> 0:25:45.560
<v Speaker 2>money in Robinhood like money you're not going to miss.

0:25:46.040 --> 0:25:46.480
<v Speaker 1>Yeah.

0:25:46.680 --> 0:25:49.640
<v Speaker 3>So like for example, Amazon, it took it took Amazon

0:25:49.720 --> 0:25:52.720
<v Speaker 3>fourteen years to be profitable, and I'm like, that's a long.

0:25:52.600 --> 0:25:55.439
<v Speaker 2>Time, you know, So you have to have the stomach

0:25:55.480 --> 0:25:55.760
<v Speaker 2>for it.

0:25:56.160 --> 0:25:56.760
<v Speaker 1>Yeah, you do.

0:25:57.240 --> 0:26:01.280
<v Speaker 3>But sometimes I feel like profits are not the problem. Know, yeah,

0:26:01.520 --> 0:26:02.280
<v Speaker 3>like that they don't.

0:26:02.280 --> 0:26:02.560
<v Speaker 1>They're not.

0:26:02.680 --> 0:26:06.200
<v Speaker 3>They're not They're not aiming for profit. They're aiming for

0:26:06.240 --> 0:26:09.359
<v Speaker 3>scale and growth and selling. That's what's happening right now

0:26:09.680 --> 0:26:12.200
<v Speaker 3>is that people are like grow big, grow fast, sound

0:26:12.240 --> 0:26:15.399
<v Speaker 3>like our money, and like I'm like, okay, but I

0:26:15.440 --> 0:26:17.560
<v Speaker 3>mean I don't know that that's sustainable. And maybe that's

0:26:17.560 --> 0:26:19.280
<v Speaker 3>a bubble that that's happening, you know.

0:26:21.000 --> 0:26:24.200
<v Speaker 2>I mean, it just seems like these tech companies are

0:26:24.440 --> 0:26:26.919
<v Speaker 2>having a harder time like the they're just like they

0:26:26.960 --> 0:26:29.120
<v Speaker 2>were the unicorns ten years ago. And I think there's

0:26:29.119 --> 0:26:31.320
<v Speaker 2>such shine has worn off, you know, like even Pinterest

0:26:31.760 --> 0:26:34.919
<v Speaker 2>went public recently and there they've walked back, you know,

0:26:35.000 --> 0:26:37.520
<v Speaker 2>their early gains and stuff. So I don't know, I'm

0:26:37.520 --> 0:26:42.520
<v Speaker 2>just gonna stick to my SMP five hundred indexs FU Yeah, yeah, fine.

0:26:42.680 --> 0:26:46.000
<v Speaker 2>I recently I recently liquidated my robin Hood account because

0:26:46.040 --> 0:26:48.920
<v Speaker 2>I was like, I'm good, I made like one hundred

0:26:48.960 --> 0:26:52.760
<v Speaker 2>dollars and I'm like, okay, that's enough. Still, I'm up.

0:26:52.800 --> 0:26:55.080
<v Speaker 3>I'm like, you know, what's iffany overall? I think if

0:26:55.080 --> 0:26:56.840
<v Speaker 3>I look at all, I'm looking at it right, I'm up.

0:26:57.119 --> 0:27:01.040
<v Speaker 3>So I started it August fifth, twenty sixteen, and I'm so,

0:27:01.040 --> 0:27:03.760
<v Speaker 3>I'm like, I'm good. I made about twelve hundred dollars.

0:27:03.840 --> 0:27:05.320
<v Speaker 3>I'm like, okay, this is.

0:27:05.280 --> 0:27:06.200
<v Speaker 1>Kind of like my little play.

0:27:06.240 --> 0:27:06.440
<v Speaker 2>Yeah.

0:27:06.560 --> 0:27:09.080
<v Speaker 1>So, but yeah, I definitely was like, oh, I should

0:27:09.119 --> 0:27:09.840
<v Speaker 1>have listened to Carol.

0:27:10.440 --> 0:27:12.040
<v Speaker 2>What about the stomach for the long term?

0:27:12.080 --> 0:27:16.320
<v Speaker 1>You know, exactly what about you? What are you breaking for?

0:27:16.720 --> 0:27:21.159
<v Speaker 2>I've got to break anti vaxxers. I know there's not

0:27:21.240 --> 0:27:24.120
<v Speaker 2>necessarily a personal finance element. I mean, if you don't

0:27:24.119 --> 0:27:26.920
<v Speaker 2>have insurance and your kid gets measles because some women

0:27:27.119 --> 0:27:29.399
<v Speaker 2>decided on to vaccinate her some man or women decide

0:27:29.440 --> 0:27:31.240
<v Speaker 2>on to the vaccinate her child, then yes, that could

0:27:31.280 --> 0:27:34.360
<v Speaker 2>cost you money. But this I just can't believe we're

0:27:34.480 --> 0:27:38.600
<v Speaker 2>still having to debate the merits of vaccinations, in that

0:27:38.760 --> 0:27:41.879
<v Speaker 2>there are so many studies that you know, researchers with

0:27:42.119 --> 0:27:47.760
<v Speaker 2>science has shown that these inaccurate falsified. You know, reports

0:27:47.800 --> 0:27:51.240
<v Speaker 2>that showed that vaccinations linked or linked to autism have

0:27:51.320 --> 0:27:55.080
<v Speaker 2>been debunked up and down the world by all kinds

0:27:55.119 --> 0:27:58.560
<v Speaker 2>of very very smart people, and still, you know, there

0:27:58.600 --> 0:28:01.919
<v Speaker 2>people are like this most recent outbreak is still raging

0:28:01.960 --> 0:28:05.080
<v Speaker 2>on hundreds of cases across the country, and like especially

0:28:05.160 --> 0:28:10.120
<v Speaker 2>in New York. They're actually targeting Orthodox Jewish communities, which

0:28:10.160 --> 0:28:12.879
<v Speaker 2>I find troubling. And you know, I've I've heard this

0:28:12.920 --> 0:28:15.680
<v Speaker 2>really sad or heard this really sad report that on

0:28:15.720 --> 0:28:19.439
<v Speaker 2>a bus, like a Jewish Orthodox Jewish woman was with

0:28:19.480 --> 0:28:23.320
<v Speaker 2>her children and like some people uh gestured to each

0:28:23.320 --> 0:28:26.640
<v Speaker 2>other and like moved seats away from them, thinking that they,

0:28:27.160 --> 0:28:29.520
<v Speaker 2>you know, are part of this anti vaccination movement. And

0:28:29.560 --> 0:28:32.080
<v Speaker 2>it's not all Orthodox Jewish people, but it's just like

0:28:32.640 --> 0:28:36.119
<v Speaker 2>it's you know, there's they're actually this group is distributing

0:28:36.160 --> 0:28:39.200
<v Speaker 2>like old school just like paper pamphlets with you know,

0:28:39.440 --> 0:28:44.120
<v Speaker 2>false information about vaccinations in this community. And I just

0:28:44.520 --> 0:28:46.560
<v Speaker 2>I don't have any All I want to say is

0:28:46.560 --> 0:28:49.080
<v Speaker 2>just a break it like vaccinate just don't you know,

0:28:49.080 --> 0:28:52.480
<v Speaker 2>make your decisions about healthcare based on science? How about that?

0:28:52.800 --> 0:28:56.640
<v Speaker 2>Just read the facts from unbiased sources and the.

0:28:56.680 --> 0:28:58.240
<v Speaker 1>Thing is is that, like, so what happens?

0:28:58.240 --> 0:29:00.440
<v Speaker 3>Like you know, like these are things you know, I

0:29:00.480 --> 0:29:03.880
<v Speaker 3>remember I used to get my mm MMR these those

0:29:03.960 --> 0:29:06.600
<v Speaker 3>moms Rubella, And I remember that because I as I

0:29:06.680 --> 0:29:09.080
<v Speaker 3>when I taught preschool, you know, before kids could be

0:29:09.520 --> 0:29:11.920
<v Speaker 3>you know, enrolled, they had to have the MMR shot

0:29:12.000 --> 0:29:13.000
<v Speaker 3>because you know, you don't.

0:29:13.160 --> 0:29:14.520
<v Speaker 1>I mean, kids sneeze in your.

0:29:14.400 --> 0:29:21.600
<v Speaker 3>Mouth, okay, like bull base and so why I guess

0:29:21.680 --> 0:29:23.120
<v Speaker 3>I alway times a kid has sneezed in that base

0:29:23.120 --> 0:29:26.560
<v Speaker 3>and I'm like, I guess I'll die today and so

0:29:27.120 --> 0:29:29.200
<v Speaker 3>but no, but like if there's already you're already going

0:29:29.240 --> 0:29:30.880
<v Speaker 3>to get the cold, you're already going to get a flu,

0:29:30.960 --> 0:29:33.920
<v Speaker 3>You're you know, I just you know, And I know

0:29:34.000 --> 0:29:36.760
<v Speaker 3>that parents are doing it obviously because those who don't

0:29:37.240 --> 0:29:39.640
<v Speaker 3>think that they're protecting your children. But here's the thing,

0:29:39.920 --> 0:29:42.280
<v Speaker 3>they're like, as they're gonna be places that they're not

0:29:42.320 --> 0:29:44.240
<v Speaker 3>going to be allowed to go because people check for

0:29:44.280 --> 0:29:46.600
<v Speaker 3>those like I had to have my MMR shot before

0:29:46.640 --> 0:29:48.640
<v Speaker 3>I could be of a teacher. And I'm only assuming

0:29:48.640 --> 0:29:51.800
<v Speaker 3>that there are some positions where those things are checked for.

0:29:52.480 --> 0:29:53.920
<v Speaker 3>You're not going to be away to go to public

0:29:53.920 --> 0:29:57.920
<v Speaker 3>school ever, a friend of mine told me that this

0:29:58.160 --> 0:30:02.120
<v Speaker 3>uh her like a friend of friend, he didn't vaccinate

0:30:02.160 --> 0:30:05.360
<v Speaker 3>his children and they were homeschooled, and he was the

0:30:05.400 --> 0:30:09.360
<v Speaker 3>little girl was a visiting up here in Jersey and

0:30:09.440 --> 0:30:11.800
<v Speaker 3>she got really sick and the parents are like, okay,

0:30:11.800 --> 0:30:14.320
<v Speaker 3>we're on our way. She's like, yeah, no, this baby's

0:30:14.440 --> 0:30:16.680
<v Speaker 3>like really sick, and they're like, we're on our way,

0:30:16.720 --> 0:30:18.480
<v Speaker 3>don't take her. They didn't believe in hospitals, so she

0:30:18.520 --> 0:30:21.160
<v Speaker 3>took her to the hospital and they were basically like,

0:30:21.520 --> 0:30:24.360
<v Speaker 3>you got here in time. This baby had pneumonia and

0:30:24.440 --> 0:30:28.120
<v Speaker 3>it was not doing well. So what was the plan

0:30:29.000 --> 0:30:30.160
<v Speaker 3>to have her die at home?

0:30:30.240 --> 0:30:30.840
<v Speaker 1>You know what I mean?

0:30:30.920 --> 0:30:33.440
<v Speaker 3>I just at some point you have to ask yourself,

0:30:33.520 --> 0:30:36.200
<v Speaker 3>like it's you know, doing what's best for your children.

0:30:36.720 --> 0:30:39.720
<v Speaker 3>Is doing what's best for your children, not just your ideology,

0:30:39.800 --> 0:30:41.840
<v Speaker 3>you know, because because.

0:30:41.600 --> 0:30:43.640
<v Speaker 2>Really like you can raise your kids however you want,

0:30:43.680 --> 0:30:47.160
<v Speaker 2>but when it impacts other people's lives, Yeah, you know,

0:30:47.240 --> 0:30:50.640
<v Speaker 2>if your child gets ill and then spreads that around,

0:30:50.720 --> 0:30:53.200
<v Speaker 2>it's not just your problem and how you raised, because

0:30:53.240 --> 0:30:55.880
<v Speaker 2>that's the defense. It's like it's our body. We can

0:30:55.960 --> 0:30:57.640
<v Speaker 2>choose what to do with it. It's the same reason

0:30:57.920 --> 0:31:00.360
<v Speaker 2>you should get tested for STDs and we're can and

0:31:00.360 --> 0:31:03.040
<v Speaker 2>all that, because it's not just you when you're having sex,

0:31:03.160 --> 0:31:06.520
<v Speaker 2>you can pass things on to other people. And vaccinations,

0:31:06.680 --> 0:31:09.400
<v Speaker 2>I mean it's it's like, it's it's right on par

0:31:09.480 --> 0:31:13.280
<v Speaker 2>with that. If you're an HIV carrier and you're having sex,

0:31:13.320 --> 0:31:15.520
<v Speaker 2>I think you can get like, isn't that crime?

0:31:15.680 --> 0:31:20.520
<v Speaker 3>Yes, having unprotected sex knowingly without sounds crime, right, So I.

0:31:20.520 --> 0:31:23.720
<v Speaker 2>Mean in my mind it's it. You know, I haven't

0:31:23.720 --> 0:31:25.680
<v Speaker 2>really thought that through, but it seems like it could

0:31:25.680 --> 0:31:27.840
<v Speaker 2>be on par with something like that. Why don't we

0:31:27.880 --> 0:31:30.840
<v Speaker 2>have the same Why don't we have the same expectation

0:31:31.040 --> 0:31:34.880
<v Speaker 2>for vaccinations? I mean, there's a reason people came up

0:31:34.880 --> 0:31:37.960
<v Speaker 2>with vaccinations. These are diseases that you know need to

0:31:38.000 --> 0:31:40.560
<v Speaker 2>be inoculated, So why wouldn't you protect your child and

0:31:40.560 --> 0:31:44.760
<v Speaker 2>other children from it? And I'm stumped, but I'd love to,

0:31:44.800 --> 0:31:47.840
<v Speaker 2>you know, if you guys feel I'm curious from our listeners,

0:31:47.880 --> 0:31:49.600
<v Speaker 2>you know, how do you feel about vaccinations? What have

0:31:49.680 --> 0:31:52.120
<v Speaker 2>you heard? I don't have like school age children, So

0:31:52.160 --> 0:31:54.560
<v Speaker 2>if you guys have any stories of what you've heard

0:31:54.680 --> 0:31:59.000
<v Speaker 2>or any controversy in your schools about vaccinations, hit us up,

0:31:59.040 --> 0:32:01.239
<v Speaker 2>you know, shoot us a message on Instagram or at

0:32:01.240 --> 0:32:04.200
<v Speaker 2>Brand Ambition Podcast, or send us an email at Brand

0:32:04.200 --> 0:32:09.520
<v Speaker 2>Ambition Podcast at gmail dot com dot com. Which is

0:32:09.560 --> 0:32:10.840
<v Speaker 2>an amazing segue for.

0:32:10.880 --> 0:32:13.800
<v Speaker 1>Questions Questions that need answers.

0:32:14.080 --> 0:32:17.800
<v Speaker 3>As Dustin Ross, it's funny I did this podcast called

0:32:18.000 --> 0:32:20.480
<v Speaker 3>the friend Zone. He always say a thing that's called

0:32:20.800 --> 0:32:22.280
<v Speaker 3>questions that need answers.

0:32:24.480 --> 0:32:26.840
<v Speaker 2>Well, y'all made me break my Instagram.

0:32:27.400 --> 0:32:27.480
<v Speaker 1>Uh.

0:32:27.560 --> 0:32:28.840
<v Speaker 2>You know, I told you I was taking a break

0:32:28.840 --> 0:32:32.320
<v Speaker 2>from Instagram specifically for Mental Health Awareness Months, which is May.

0:32:33.520 --> 0:32:35.160
<v Speaker 2>But I didn't realize how many of you guys have

0:32:35.240 --> 0:32:37.760
<v Speaker 2>been sending us questions on the gram. So I slid

0:32:37.760 --> 0:32:40.280
<v Speaker 2>into my DMS. I ignored my own personal page. I

0:32:40.280 --> 0:32:42.520
<v Speaker 2>didn't scroll, but I went right to your questions. And

0:32:42.560 --> 0:32:45.959
<v Speaker 2>we've got like a dozen, maybe a couple dozen questions

0:32:45.960 --> 0:32:49.240
<v Speaker 2>in here from people. So let's let's read a couple

0:32:49.320 --> 0:32:52.760
<v Speaker 2>real quick. The first question is from Danny B. She

0:32:52.800 --> 0:32:55.200
<v Speaker 2>actually just let this an hour ago, so hot question

0:32:55.520 --> 0:32:58.040
<v Speaker 2>hot off the press. She says, hey, hey, hey, and

0:32:58.080 --> 0:33:00.720
<v Speaker 2>her budget eest to voice. How do you know this

0:33:00.800 --> 0:33:02.200
<v Speaker 2>is we were just talking about this. How do you

0:33:02.200 --> 0:33:06.280
<v Speaker 2>know when you're financially stable enough to begin investing in

0:33:06.360 --> 0:33:10.520
<v Speaker 2>rental properties things in advance, Tiffany, you are about to

0:33:10.560 --> 0:33:13.360
<v Speaker 2>become potentially right, Wait, did you buy the rental property

0:33:13.400 --> 0:33:15.200
<v Speaker 2>already or no? I forget you.

0:33:15.200 --> 0:33:16.560
<v Speaker 1>Said, did I do what buy?

0:33:17.200 --> 0:33:18.600
<v Speaker 2>Didn't you buy an investment property?

0:33:19.120 --> 0:33:19.520
<v Speaker 1>Yeah?

0:33:19.560 --> 0:33:20.880
<v Speaker 2>So she wants to know, how do you know when

0:33:20.920 --> 0:33:24.400
<v Speaker 2>you're financially stable enough to start investing in rental properties?

0:33:25.520 --> 0:33:27.800
<v Speaker 3>So I would say, well, One, you don't have to

0:33:27.840 --> 0:33:30.320
<v Speaker 3>be debt free, so don't think that like, oh, you

0:33:30.360 --> 0:33:32.920
<v Speaker 3>have no debt whatsoever? I don't that's you know, so

0:33:33.000 --> 0:33:34.280
<v Speaker 3>we could take that out of your mind if it

0:33:34.320 --> 0:33:36.920
<v Speaker 3>is in your mind. I would say, One, your credit

0:33:37.640 --> 0:33:41.840
<v Speaker 3>is decent because you are you know, you likely may

0:33:41.840 --> 0:33:44.080
<v Speaker 3>have to take out like a loan, whether it's to

0:33:44.080 --> 0:33:46.040
<v Speaker 3>buy the property or to pick it up. So I

0:33:46.040 --> 0:33:48.520
<v Speaker 3>would say seven fifty and above because you want to

0:33:48.520 --> 0:33:53.240
<v Speaker 3>get the highest interest rate. Two, you have savings, so

0:33:54.040 --> 0:33:57.160
<v Speaker 3>you want to have at minimum three months worth of savings,

0:33:57.240 --> 0:34:00.120
<v Speaker 3>but ideally more if you're going to invest in rental property,

0:34:00.440 --> 0:34:02.920
<v Speaker 3>because you want to be able to have, you know,

0:34:02.960 --> 0:34:04.760
<v Speaker 3>like a little bit of a cushion and backup. I

0:34:04.760 --> 0:34:07.520
<v Speaker 3>would say six months to a year, but at minimum

0:34:07.560 --> 0:34:09.080
<v Speaker 3>three months, depending on what kind of job you have.

0:34:09.480 --> 0:34:11.279
<v Speaker 3>If you're a nurse, three months might be more than

0:34:11.360 --> 0:34:13.840
<v Speaker 3>enough because it's very easy to find a nursing position

0:34:13.880 --> 0:34:16.080
<v Speaker 3>because they're always in demand. If you're an engineer, I

0:34:16.080 --> 0:34:19.440
<v Speaker 3>would say more because it's not always as easy, especially

0:34:19.480 --> 0:34:22.680
<v Speaker 3>if you're a woman, to find an engineering job. So

0:34:23.120 --> 0:34:25.840
<v Speaker 3>you have savings three you've got like a budget that

0:34:25.880 --> 0:34:28.480
<v Speaker 3>you actually stick to, Like you have there's money at

0:34:28.520 --> 0:34:30.600
<v Speaker 3>the end of the month. So if you're short every

0:34:30.600 --> 0:34:32.799
<v Speaker 3>month during a budget, I wouldn't you want to get

0:34:32.840 --> 0:34:34.560
<v Speaker 3>yourself in a space where you're like, oh, we have

0:34:34.600 --> 0:34:37.040
<v Speaker 3>a budget, we stick to it. We have a savings plan,

0:34:37.120 --> 0:34:39.200
<v Speaker 3>we stick to it. We have a debt plan, we

0:34:39.480 --> 0:34:42.200
<v Speaker 3>stick to it. It's automated, and we have you know,

0:34:42.280 --> 0:34:44.759
<v Speaker 3>decent credit. Once you're kind of there, oh, and you're

0:34:44.800 --> 0:34:49.600
<v Speaker 3>also contributing to your retirement account. If you're doing those things,

0:34:50.000 --> 0:34:52.960
<v Speaker 3>then you're kind of like it's not that you reach perfection,

0:34:53.080 --> 0:34:54.920
<v Speaker 3>but you have a plan and you're in it and

0:34:54.960 --> 0:34:57.560
<v Speaker 3>you're sticking to it for the most part, so then

0:34:57.840 --> 0:35:01.840
<v Speaker 3>then you can it's time to So retirement is investing

0:35:01.880 --> 0:35:05.279
<v Speaker 3>for life, but like that kind of investing real estate

0:35:05.320 --> 0:35:08.360
<v Speaker 3>investing and anything beyond that, it's investing for wealth.

0:35:08.680 --> 0:35:09.439
<v Speaker 1>So that's what I say.

0:35:09.480 --> 0:35:13.120
<v Speaker 3>Anyway, So you know, everyone should be investing for life,

0:35:13.520 --> 0:35:15.600
<v Speaker 3>so like right away, you should be investing for retirement

0:35:15.600 --> 0:35:19.200
<v Speaker 3>because God willing where you'll all get older. But once

0:35:19.239 --> 0:35:21.920
<v Speaker 3>you have the foundation that I just mentioned, then investing

0:35:21.960 --> 0:35:24.840
<v Speaker 3>for wealth it's you know, the next most logical steps,

0:35:24.880 --> 0:35:27.640
<v Speaker 3>so then you can get get get you know, jiggy

0:35:27.680 --> 0:35:30.280
<v Speaker 3>with it. I mean, so that's where Superman and I

0:35:30.360 --> 0:35:32.560
<v Speaker 3>are now, Like you know, we brought our first part.

0:35:32.600 --> 0:35:34.359
<v Speaker 3>We haven't done anything with it, which has been it's

0:35:34.360 --> 0:35:36.719
<v Speaker 3>just been the other house has just been hoof like

0:35:36.800 --> 0:35:40.839
<v Speaker 3>a task. So once the other house we've moved in,

0:35:41.200 --> 0:35:44.279
<v Speaker 3>will start to really work on the investment property. But

0:35:44.320 --> 0:35:46.080
<v Speaker 3>I definitely have my eye out on other pieces of

0:35:46.120 --> 0:35:48.759
<v Speaker 3>investment property that might be a good match. But it's

0:35:48.800 --> 0:35:51.800
<v Speaker 3>a great way to grow wealth, honestly, And it's a

0:35:51.840 --> 0:35:54.120
<v Speaker 3>great way to grow wealth outside of the traditional investing

0:35:54.400 --> 0:35:56.520
<v Speaker 3>if you like to have wealth that you can physically

0:35:56.600 --> 0:35:57.680
<v Speaker 3>kind of see.

0:35:58.120 --> 0:36:00.120
<v Speaker 2>You brought that out right in cash, right.

0:36:00.440 --> 0:36:02.279
<v Speaker 1>Yeah, because it was ten thousand dollars, so it was

0:36:02.280 --> 0:36:03.160
<v Speaker 1>a coreclosure.

0:36:03.440 --> 0:36:05.279
<v Speaker 2>Yeah, if I if I was able to and I

0:36:05.320 --> 0:36:06.800
<v Speaker 2>think in a couple of years, we'll be ready, like

0:36:06.840 --> 0:36:09.160
<v Speaker 2>if we had enough cash to buy, Like I always

0:36:09.200 --> 0:36:11.839
<v Speaker 2>think about Georgia. I feel like my family, I still

0:36:11.880 --> 0:36:13.600
<v Speaker 2>have family there, and I think about buying like a

0:36:13.600 --> 0:36:16.759
<v Speaker 2>little apartment or house in Georgia and renting it out.

0:36:16.760 --> 0:36:19.640
<v Speaker 2>And that's just a more reasonable place I could afford

0:36:19.680 --> 0:36:21.880
<v Speaker 2>to pay cash for something because I wouldn't want to

0:36:21.880 --> 0:36:24.280
<v Speaker 2>have another mortgage payment. So that's something that I consider

0:36:24.719 --> 0:36:26.640
<v Speaker 2>and just the stomach for it in like the time,

0:36:26.719 --> 0:36:28.880
<v Speaker 2>because you do need to be like if you're going

0:36:28.920 --> 0:36:30.840
<v Speaker 2>to rent it out, Because she's talking about rental properties.

0:36:30.840 --> 0:36:33.800
<v Speaker 2>I don't know if you guys were thinking about renting, Yes, okay,

0:36:33.880 --> 0:36:36.239
<v Speaker 2>so you know whether you would whether you hire a

0:36:36.280 --> 0:36:40.040
<v Speaker 2>property management company to do like find tenants for you

0:36:40.120 --> 0:36:42.319
<v Speaker 2>and all that. It's still going to take like some bandwidth.

0:36:42.360 --> 0:36:45.880
<v Speaker 2>So and I'd want to like do my research and

0:36:46.360 --> 0:36:49.120
<v Speaker 2>make sure that I was making like something that was

0:36:49.120 --> 0:36:51.759
<v Speaker 2>a sound investment, because it can be a nice source

0:36:51.800 --> 0:36:54.319
<v Speaker 2>of income, but not if it's you know, if you

0:36:54.520 --> 0:36:56.960
<v Speaker 2>choose the wrong location or if you don't you don't

0:36:57.000 --> 0:36:59.160
<v Speaker 2>buy something that's in a location where there are renting.

0:36:59.400 --> 0:37:01.680
<v Speaker 2>You know a lot of renters, people who want to rent,

0:37:03.040 --> 0:37:06.359
<v Speaker 2>so it's a it's like next level. But I agree

0:37:06.360 --> 0:37:11.440
<v Speaker 2>with Tiffany, you know, focus on that retirement fund savings first,

0:37:11.440 --> 0:37:14.080
<v Speaker 2>and then when you feel comfortable that you're still able

0:37:14.080 --> 0:37:16.480
<v Speaker 2>to keep that up and invest in, you know, an

0:37:16.480 --> 0:37:18.799
<v Speaker 2>additional property, then that's probably a good time.

0:37:19.480 --> 0:37:19.680
<v Speaker 1>Yeah.

0:37:19.680 --> 0:37:21.880
<v Speaker 3>And also so just just like start doing your research

0:37:21.920 --> 0:37:24.480
<v Speaker 3>now because it you know, just because you don't have

0:37:24.600 --> 0:37:26.920
<v Speaker 3>the funds now, let's just say you're like, m, my

0:37:26.960 --> 0:37:28.799
<v Speaker 3>credit score is not where I wanted to be. We

0:37:28.920 --> 0:37:30.879
<v Speaker 3>still are maybe a year off before we have enough

0:37:30.920 --> 0:37:34.520
<v Speaker 3>of you know, savings. This is the perfect time then

0:37:34.560 --> 0:37:37.040
<v Speaker 3>to do your research because either way, you're going to

0:37:37.120 --> 0:37:38.920
<v Speaker 3>have to do your research and it takes time anyway.

0:37:39.320 --> 0:37:42.080
<v Speaker 3>So use this time to really do some research about

0:37:42.120 --> 0:37:44.000
<v Speaker 3>what kind of property you want. Maybe go to an

0:37:44.000 --> 0:37:46.000
<v Speaker 3>auction just to sit in and see how it goes,

0:37:46.480 --> 0:37:49.239
<v Speaker 3>you know, start talking to realtors about your interests and

0:37:49.280 --> 0:37:51.399
<v Speaker 3>finding a good realtor. If you're going to be doing

0:37:51.440 --> 0:37:54.440
<v Speaker 3>fixing up things, start asking friends about their contractors.

0:37:54.520 --> 0:37:56.680
<v Speaker 1>So doing your research ahead of.

0:37:56.680 --> 0:37:58.839
<v Speaker 3>Time is really going to save you time when you're

0:37:58.880 --> 0:38:00.400
<v Speaker 3>in the financial position move.

0:38:01.400 --> 0:38:04.600
<v Speaker 2>One hundred percent. Well, thank you for your question, Danny, b.

0:38:05.440 --> 0:38:06.360
<v Speaker 1>Yeah, it's a great question.

0:38:06.640 --> 0:38:09.359
<v Speaker 2>Let's see scroll into the gram. Okay, so how about

0:38:09.400 --> 0:38:13.440
<v Speaker 2>this question from Yourrehanna GT. Pretty name, I think that's

0:38:13.440 --> 0:38:17.240
<v Speaker 2>her name. Another Hey, Hey, hey, I hope you're doing great,

0:38:17.320 --> 0:38:20.080
<v Speaker 2>Love you both. I have a quick question regarding secured

0:38:20.120 --> 0:38:23.440
<v Speaker 2>credit cards? Can we open more than one? And if

0:38:23.440 --> 0:38:25.560
<v Speaker 2>I do, will it actually help me increase my credit

0:38:25.640 --> 0:38:27.799
<v Speaker 2>score faster? I keep going up and down on my

0:38:27.840 --> 0:38:31.959
<v Speaker 2>credit score, mostly because of my debt to my debt

0:38:32.000 --> 0:38:35.799
<v Speaker 2>to available credit limit ratio her utilization ratio. I want

0:38:35.840 --> 0:38:37.359
<v Speaker 2>to buy a home and I don't have a good

0:38:37.480 --> 0:38:41.200
<v Speaker 2>enough credit score, at least I don't think. So what

0:38:41.280 --> 0:38:43.239
<v Speaker 2>can we tell her about secured cards and whether or

0:38:43.280 --> 0:38:45.040
<v Speaker 2>not you can open more than one?

0:38:45.680 --> 0:38:48.440
<v Speaker 3>You can open up more than one secured credit card,

0:38:48.760 --> 0:38:50.759
<v Speaker 3>but I mean, I guess she's saying she's opening it

0:38:50.800 --> 0:38:52.400
<v Speaker 3>up for the purpose to raise her credit score.

0:38:52.680 --> 0:38:54.359
<v Speaker 2>Yeah, so she wants to raise her credit score. She's

0:38:54.360 --> 0:38:56.040
<v Speaker 2>trying to get approved of her house and doesn't she

0:38:56.080 --> 0:38:57.920
<v Speaker 2>doesn't mention what her score is, but she doesn't think

0:38:57.920 --> 0:39:00.480
<v Speaker 2>it's high enough to qualify for a mortgage yet.

0:39:01.040 --> 0:39:05.520
<v Speaker 3>Well here's the thing, though, So typically when you're trying

0:39:05.520 --> 0:39:10.040
<v Speaker 3>to prove yourself credit worthy. They're looking for diversity, So

0:39:10.200 --> 0:39:12.880
<v Speaker 3>opening up two secured cards is opening up two of

0:39:12.920 --> 0:39:14.000
<v Speaker 3>the same type of debt.

0:39:14.120 --> 0:39:16.320
<v Speaker 1>It's called revolving debt. So it's not.

0:39:16.239 --> 0:39:20.040
<v Speaker 3>Really gonna help necessarily. So instead I would open up

0:39:20.480 --> 0:39:22.600
<v Speaker 3>a secured card. I mean, and know this that you

0:39:22.600 --> 0:39:25.680
<v Speaker 3>don't want to. You should not incur a new debt

0:39:26.080 --> 0:39:28.319
<v Speaker 3>at least within three months of buying a house. So

0:39:28.680 --> 0:39:31.440
<v Speaker 3>I hope buying a house is like maybe like three, six,

0:39:32.000 --> 0:39:34.520
<v Speaker 3>maybe twelve months away. So I hope you know, because

0:39:34.520 --> 0:39:35.759
<v Speaker 3>you're not going to like open up a credit card

0:39:35.800 --> 0:39:37.200
<v Speaker 3>and get a house next month, because they're going to

0:39:37.239 --> 0:39:38.600
<v Speaker 3>have a heart attact that you open up a credit

0:39:38.680 --> 0:39:41.160
<v Speaker 3>card so quickly to getting a mortgage, because it's like

0:39:41.280 --> 0:39:43.120
<v Speaker 3>telling them, I know I'm going to borrow from you,

0:39:43.120 --> 0:39:45.319
<v Speaker 3>but I just borrow from somebody else. They're like, nah, girl.

0:39:45.840 --> 0:39:49.319
<v Speaker 3>So it'll get you a secure credit card. Use what

0:39:49.360 --> 0:39:52.400
<v Speaker 3>I call the jump like Jordan method. Put Netflix or

0:39:52.440 --> 0:39:55.600
<v Speaker 3>something under twenty bucks on it, let it automatically charge

0:39:55.680 --> 0:39:58.960
<v Speaker 3>that card, and then let your bank account automatically pay

0:39:59.000 --> 0:40:01.080
<v Speaker 3>it off. Just to build pay at your bank account.

0:40:01.400 --> 0:40:04.160
<v Speaker 3>So here's a trick. Though, you want to pay after

0:40:04.200 --> 0:40:06.759
<v Speaker 3>the statement date. Just call them and say when's my

0:40:06.760 --> 0:40:08.960
<v Speaker 3>statement date? That's just the day they issue the statement.

0:40:09.160 --> 0:40:10.920
<v Speaker 3>And when they issue you the statement, that means that

0:40:10.960 --> 0:40:15.880
<v Speaker 3>they've told a credit bureau what's her name again? Uh Uriana, Uriana,

0:40:16.040 --> 0:40:19.120
<v Speaker 3>Uriana has I'm gonna call you Urie. I like that

0:40:19.200 --> 0:40:20.440
<v Speaker 3>you no, no, let me not do that because I

0:40:20.440 --> 0:40:23.759
<v Speaker 3>hate it when people do that. So Urana Uriyana has

0:40:23.840 --> 0:40:26.239
<v Speaker 3>used her card. So pay after this statement date, so

0:40:26.280 --> 0:40:28.480
<v Speaker 3>you know that it's been kind of like reported to

0:40:28.520 --> 0:40:31.040
<v Speaker 3>the credit viers. It's been used, but by the do date,

0:40:31.239 --> 0:40:33.040
<v Speaker 3>so you know, if it's due on the fifth, paid

0:40:33.880 --> 0:40:34.720
<v Speaker 3>you know by the fifth.

0:40:34.760 --> 0:40:34.960
<v Speaker 1>You know.

0:40:35.640 --> 0:40:37.279
<v Speaker 3>So if you do that with your and like that's

0:40:37.280 --> 0:40:41.000
<v Speaker 3>an automated kind of like system, Netflix charges that card,

0:40:41.120 --> 0:40:43.920
<v Speaker 3>banking Out pays it off automated, put that card up.

0:40:44.160 --> 0:40:44.920
<v Speaker 1>So that's one.

0:40:45.280 --> 0:40:47.160
<v Speaker 3>And then if you want to open up another kind

0:40:47.160 --> 0:40:51.200
<v Speaker 3>of line of credit to show I'm responsible, another credit

0:40:51.239 --> 0:40:53.120
<v Speaker 3>card is not going to show that. Instead, you can

0:40:53.160 --> 0:40:57.360
<v Speaker 3>get something called like self lender, and those are what

0:40:57.440 --> 0:40:58.800
<v Speaker 3>kind of loan does that? Call Mandy when you have

0:40:58.880 --> 0:40:59.640
<v Speaker 3>installment loan?

0:41:00.120 --> 0:41:00.400
<v Speaker 1>Ryeah?

0:41:00.400 --> 0:41:04.800
<v Speaker 3>So you know, so exactly, so like revolving debt is

0:41:04.840 --> 0:41:06.920
<v Speaker 3>a credit card, an installment loan. Think about it as

0:41:06.960 --> 0:41:09.359
<v Speaker 3>like a cardinal or student loans. That means you're paying

0:41:09.360 --> 0:41:11.920
<v Speaker 3>back a loan and an installment, and so self lender

0:41:12.200 --> 0:41:15.319
<v Speaker 3>lets you do like kind of like a faux installment loan.

0:41:15.400 --> 0:41:17.719
<v Speaker 3>And the way it works is that, like you say, hey,

0:41:17.800 --> 0:41:19.960
<v Speaker 3>self lender, I want to borrow the smallest amount of money,

0:41:19.960 --> 0:41:22.560
<v Speaker 3>which I think is like five hundred bucks. Self lenders said, sure,

0:41:22.640 --> 0:41:24.640
<v Speaker 3>they don't give you the five hundred, which is great.

0:41:24.760 --> 0:41:27.840
<v Speaker 3>They put it in a in a money market account

0:41:27.920 --> 0:41:31.120
<v Speaker 3>or safety account for you, and then you pay back

0:41:31.120 --> 0:41:33.399
<v Speaker 3>that pipe hundred as if you received it. So every

0:41:33.400 --> 0:41:35.000
<v Speaker 3>month you pay back like I don't know, forty one

0:41:35.040 --> 0:41:37.520
<v Speaker 3>bucks or something to that effect. They take a small fee.

0:41:37.520 --> 0:41:39.480
<v Speaker 3>The fee equates to maybe like seventy bucks. For the

0:41:39.520 --> 0:41:41.880
<v Speaker 3>whole year, you pay it for a small fee like

0:41:41.960 --> 0:41:44.120
<v Speaker 3>in that paying backup every month, and at the end

0:41:44.200 --> 0:41:45.359
<v Speaker 3>of the year, it's like.

0:41:45.440 --> 0:41:50.000
<v Speaker 1>Yay, Uriana not only borrow this money, she paid it

0:41:50.040 --> 0:41:52.760
<v Speaker 1>back in full woo hoo.

0:41:52.800 --> 0:41:54.880
<v Speaker 3>So and she paid it back, she paid all of

0:41:54.880 --> 0:41:58.080
<v Speaker 3>her monthly payments on time. So automate those monthly payments,

0:41:58.080 --> 0:42:00.279
<v Speaker 3>and I think self lender does that for you anyway,

0:42:00.440 --> 0:42:02.880
<v Speaker 3>And so you get to prove to the lender, to

0:42:03.040 --> 0:42:05.680
<v Speaker 3>not self lender, but to your mortgage lender, Hey, I

0:42:05.680 --> 0:42:08.719
<v Speaker 3>can borrow money two different ways and be responsible. And

0:42:08.760 --> 0:42:10.360
<v Speaker 3>at the end, when you're done with self lender, they

0:42:10.400 --> 0:42:12.560
<v Speaker 3>give you back your five hundred dollars. So that's what's

0:42:12.600 --> 0:42:14.799
<v Speaker 3>so great about self lender is that you get to

0:42:14.920 --> 0:42:18.640
<v Speaker 3>kind of show the credit bureau and other lenders, I

0:42:18.680 --> 0:42:22.160
<v Speaker 3>can borrow money and installments. And then with a security card, hey,

0:42:22.280 --> 0:42:25.600
<v Speaker 3>I can borrow revolving money and be responsible with it.

0:42:25.680 --> 0:42:26.920
<v Speaker 1>So that's what I would do.

0:42:27.040 --> 0:42:30.200
<v Speaker 3>But to me, it's probably going to take self lender

0:42:30.239 --> 0:42:31.840
<v Speaker 3>takes about you know, it takes a year for it

0:42:31.880 --> 0:42:33.960
<v Speaker 3>to be finished. So in the meantime, though, like I

0:42:34.040 --> 0:42:37.799
<v Speaker 3>mentioned before, do your research on neighborhood on what kind

0:42:37.800 --> 0:42:39.880
<v Speaker 3>of mortgage you want to get. Are their mortgage programs.

0:42:39.920 --> 0:42:45.280
<v Speaker 3>Maybe join NAKA NACA not because this pre federal program

0:42:45.560 --> 0:42:48.560
<v Speaker 3>that helps first time home buyers. That's just someone who

0:42:48.640 --> 0:42:50.760
<v Speaker 3>has not owned a home in the last three years.

0:42:51.040 --> 0:42:53.399
<v Speaker 3>And so I would do my prep work so by

0:42:53.480 --> 0:42:56.000
<v Speaker 3>the time you know my credit score is seven fifty

0:42:56.000 --> 0:42:58.319
<v Speaker 3>and above, you're ready to rock and roll because you

0:42:58.360 --> 0:42:59.400
<v Speaker 3>have all the knowledge.

0:43:00.040 --> 0:43:02.040
<v Speaker 2>Yeah, there are some mortgage programs where you can get

0:43:02.080 --> 0:43:04.360
<v Speaker 2>a mortgage like for the FAHA loan for example as

0:43:04.440 --> 0:43:06.600
<v Speaker 2>lowest five hundred with a credit score of the lowest

0:43:06.600 --> 0:43:08.840
<v Speaker 2>five hundred and a low down payment. But you just

0:43:08.880 --> 0:43:11.320
<v Speaker 2>have you know, it's the higher your score is, the

0:43:12.360 --> 0:43:14.160
<v Speaker 2>better off you are because you're going to be able

0:43:14.200 --> 0:43:16.520
<v Speaker 2>to get a rate on your mortgage. And think about

0:43:16.520 --> 0:43:18.520
<v Speaker 2>like thirty years of paying interest, So you want the

0:43:18.520 --> 0:43:21.080
<v Speaker 2>lowest rate possible, and the higher your score is, the

0:43:21.120 --> 0:43:23.560
<v Speaker 2>lower your rate is. So that's awesome. And I don't

0:43:23.600 --> 0:43:25.640
<v Speaker 2>know if you mentioned credit unions, but my dad definitely

0:43:26.560 --> 0:43:29.239
<v Speaker 2>has had success getting a small personal loan from a

0:43:29.280 --> 0:43:33.000
<v Speaker 2>credit union. They have more traditional kind of credit builder

0:43:33.000 --> 0:43:34.960
<v Speaker 2>loans that they can offer sometimes, and if you have

0:43:35.000 --> 0:43:36.600
<v Speaker 2>poor credit, that could be a good option too.

0:43:37.960 --> 0:43:39.560
<v Speaker 1>Yeah. Yeah, thank you for your.

0:43:39.480 --> 0:43:44.560
<v Speaker 2>Question, Yodiana. Let's say one kind of home investment related question.

0:43:44.640 --> 0:43:46.560
<v Speaker 2>This is something I've been thinking about a lot too.

0:43:47.239 --> 0:43:50.640
<v Speaker 2>This question is from Laura on Instagram. My question is

0:43:50.680 --> 0:43:53.120
<v Speaker 2>I own a home, I have no other debt. Would

0:43:53.160 --> 0:43:55.359
<v Speaker 2>you recommend that I pay off my home faster by

0:43:55.360 --> 0:43:58.960
<v Speaker 2>making extra payments each month or should I save the

0:43:58.960 --> 0:44:01.680
<v Speaker 2>money for an investment property. What would be the best

0:44:01.760 --> 0:44:02.720
<v Speaker 2>use of my money?

0:44:02.800 --> 0:44:06.640
<v Speaker 1>Thanks, ladies, Oh these questions be good. What's there you manager?

0:44:07.040 --> 0:44:10.280
<v Speaker 2>Well, I have been. I was just thinking about my mortgage,

0:44:10.360 --> 0:44:13.279
<v Speaker 2>and so generally when you have like so, I don't

0:44:13.280 --> 0:44:15.279
<v Speaker 2>know what your mortgage rate is, but if you've got

0:44:15.360 --> 0:44:17.400
<v Speaker 2>a mortgage in the last year or two, it's probably

0:44:17.480 --> 0:44:20.160
<v Speaker 2>like high three percent or low four percent, which is

0:44:20.480 --> 0:44:23.040
<v Speaker 2>a really low rate. And if you think about you

0:44:23.080 --> 0:44:25.799
<v Speaker 2>know this. I answered a question from a family member

0:44:25.840 --> 0:44:28.120
<v Speaker 2>recently because they were like, should I just put all

0:44:28.120 --> 0:44:29.799
<v Speaker 2>this I had? He had a windfall coming and he

0:44:29.800 --> 0:44:31.200
<v Speaker 2>wanted to know if he should put it toward his

0:44:31.320 --> 0:44:34.319
<v Speaker 2>mortgage or open up an eye ray or something like that.

0:44:34.400 --> 0:44:36.520
<v Speaker 2>And we compared the interest rate on his mortgage to

0:44:36.600 --> 0:44:38.920
<v Speaker 2>what he could be earning if he invested in the

0:44:38.920 --> 0:44:43.320
<v Speaker 2>market based on past returns, and clearly you can stand

0:44:43.320 --> 0:44:46.400
<v Speaker 2>to earn more. And if you invest in the market

0:44:46.440 --> 0:44:50.720
<v Speaker 2>based on past returns, but potentially based on past returns,

0:44:50.719 --> 0:44:52.319
<v Speaker 2>you know you're probably going to do better than four

0:44:52.360 --> 0:44:55.920
<v Speaker 2>percent if you're investing for the long term. When it

0:44:55.960 --> 0:45:00.000
<v Speaker 2>comes to choosing between you know, paying off your mortgage

0:45:00.160 --> 0:45:02.560
<v Speaker 2>or investing in another property, you have to look at

0:45:02.560 --> 0:45:04.880
<v Speaker 2>the data and like, look at you know, what you

0:45:04.880 --> 0:45:08.160
<v Speaker 2>could potentially stand to gain by investing in another property,

0:45:08.160 --> 0:45:11.239
<v Speaker 2>and would it be worth more financially in terms of

0:45:11.239 --> 0:45:14.160
<v Speaker 2>your investment returns than what you could save by paying

0:45:14.160 --> 0:45:17.680
<v Speaker 2>off your mortgage faster. There's no rush to pay off

0:45:17.719 --> 0:45:19.560
<v Speaker 2>your mortgage, especially if you've got that That's what I

0:45:19.640 --> 0:45:21.479
<v Speaker 2>tell myself. You know, if you've got that low rate,

0:45:21.960 --> 0:45:24.239
<v Speaker 2>you know you've got thirty twenty. I've got twenty nine

0:45:24.320 --> 0:45:27.239
<v Speaker 2>years now or twenty eight years now to still pay

0:45:27.239 --> 0:45:31.280
<v Speaker 2>it down. But I have been thinking, I really would

0:45:31.520 --> 0:45:34.239
<v Speaker 2>love to be able to pass on a paid off

0:45:34.239 --> 0:45:37.560
<v Speaker 2>property to my future kids, you know, or to have

0:45:37.680 --> 0:45:40.200
<v Speaker 2>in my family. That's something that my family's never had,

0:45:41.160 --> 0:45:44.120
<v Speaker 2>a paid off piece of property. So that's becoming a

0:45:44.160 --> 0:45:47.160
<v Speaker 2>goal for me. But I don't necessarily, I still don't

0:45:47.160 --> 0:45:49.040
<v Speaker 2>think for me right now, it makes sense to throw

0:45:49.120 --> 0:45:53.359
<v Speaker 2>all the money I have at my mortgage. I'm, like

0:45:53.400 --> 0:45:57.600
<v Speaker 2>I said, recovering from the remodel still, and we're rebuilding

0:45:58.080 --> 0:46:01.040
<v Speaker 2>so that we have a nice chunk of change. And

0:46:01.120 --> 0:46:02.960
<v Speaker 2>when I have that nice chunk of change, I'm hoping

0:46:03.080 --> 0:46:04.560
<v Speaker 2>by then I will know what I want to do.

0:46:04.600 --> 0:46:06.800
<v Speaker 2>With it, and it may be investing in a property,

0:46:06.800 --> 0:46:09.799
<v Speaker 2>and it may be taking a big chunk out of

0:46:09.800 --> 0:46:11.160
<v Speaker 2>my mortgage.

0:46:11.480 --> 0:46:12.480
<v Speaker 1>Yeah. No, I agree.

0:46:12.520 --> 0:46:14.440
<v Speaker 3>It's hard because it's like this is both like a

0:46:14.480 --> 0:46:17.319
<v Speaker 3>technical financial question, but it's also an emotional question, right,

0:46:17.680 --> 0:46:21.040
<v Speaker 3>because I mean, I don't you know, I could I

0:46:21.080 --> 0:46:24.359
<v Speaker 3>have used the money that I used to purchase and

0:46:24.440 --> 0:46:29.560
<v Speaker 3>renovate the house, you know, toward like investing, Yes, but

0:46:30.000 --> 0:46:33.000
<v Speaker 3>after losing my house, my first property, to foreclosure, I

0:46:33.080 --> 0:46:35.320
<v Speaker 3>was kind of like, yeah, I kind of want to

0:46:35.360 --> 0:46:37.040
<v Speaker 3>have a place that they can't snatch for me, you know.

0:46:37.480 --> 0:46:39.120
<v Speaker 1>Yeah, And it.

0:46:39.080 --> 0:46:41.760
<v Speaker 3>Still was an investment, so don't here's the thing buying

0:46:41.760 --> 0:46:44.720
<v Speaker 3>your home, Even if you're buying a for emotional reason,

0:46:44.880 --> 0:46:47.839
<v Speaker 3>it should still make financial sense. Your emotions don't get

0:46:47.840 --> 0:46:49.840
<v Speaker 3>to erase the fact that has to make financial sense.

0:46:50.280 --> 0:46:52.800
<v Speaker 3>So I purchased that of the house, but it was

0:46:52.840 --> 0:46:56.080
<v Speaker 3>also a foreclosure of the first property, and it was

0:46:56.200 --> 0:46:59.200
<v Speaker 3>worth double what we paid for, so I was conscious of, yes,

0:46:59.239 --> 0:47:01.239
<v Speaker 3>I'm paying for a can, but I'm also paying for

0:47:01.600 --> 0:47:03.200
<v Speaker 3>if I would were to resell it right now on

0:47:03.239 --> 0:47:05.040
<v Speaker 3>the market, I would get double back.

0:47:06.080 --> 0:47:10.680
<v Speaker 1>So yeah, just I mean, ideally, what I think about debt.

0:47:10.719 --> 0:47:14.800
<v Speaker 3>Here's the advice I've finally come to really like absorb

0:47:14.840 --> 0:47:16.440
<v Speaker 3>from my parents that I didn't really listen to when

0:47:16.480 --> 0:47:19.200
<v Speaker 3>I was younger, is that focusing on debt is really

0:47:19.200 --> 0:47:20.759
<v Speaker 3>not the goal. If you focus on debt, you'll be

0:47:20.760 --> 0:47:23.680
<v Speaker 3>debt free. But guess what, my nephew Roman, he's three,

0:47:23.719 --> 0:47:25.319
<v Speaker 3>Guess what he's debt free. He still broke.

0:47:26.160 --> 0:47:28.040
<v Speaker 1>Like, debt free does not mean anything, you know what

0:47:28.040 --> 0:47:28.359
<v Speaker 1>I mean.

0:47:28.800 --> 0:47:31.200
<v Speaker 3>But like, instead, you want to focus on growing wealth

0:47:31.440 --> 0:47:33.720
<v Speaker 3>because when you focus on growing wealth, you get both.

0:47:34.080 --> 0:47:36.920
<v Speaker 3>You get wealth and you can get debt free. I

0:47:37.080 --> 0:47:39.600
<v Speaker 3>finally listened to that lesson when last year I paid

0:47:39.600 --> 0:47:42.600
<v Speaker 3>off my student loan debt one lump sum. But I

0:47:42.600 --> 0:47:45.000
<v Speaker 3>could have paid it off earlier. I had the money,

0:47:45.320 --> 0:47:49.000
<v Speaker 3>but I decided to instead invest back into growing my business.

0:47:49.760 --> 0:47:51.960
<v Speaker 3>Really wanted to grow from six figures to seven figures

0:47:51.960 --> 0:47:54.480
<v Speaker 3>a year, and so I used part of that my

0:47:54.520 --> 0:47:57.160
<v Speaker 3>student loans for fifty two thousand dollars something like that.

0:47:57.640 --> 0:48:01.399
<v Speaker 3>And so I instead really focused putting my money back

0:48:01.440 --> 0:48:04.200
<v Speaker 3>into the business and now we're multi seven figure a year,

0:48:04.320 --> 0:48:06.480
<v Speaker 3>like one of the businesses is multi seven.

0:48:06.239 --> 0:48:06.799
<v Speaker 1>Figure a year.

0:48:06.960 --> 0:48:09.560
<v Speaker 3>And so as a result, last year even though I

0:48:09.560 --> 0:48:12.800
<v Speaker 3>had the money earlier last year, I was able to say, okay,

0:48:12.960 --> 0:48:15.560
<v Speaker 3>student loan debt, I finally have more than enough of

0:48:15.600 --> 0:48:17.880
<v Speaker 3>a buffer that business is doing well, I'm going to

0:48:17.960 --> 0:48:20.920
<v Speaker 3>pay you off in full. Because I focused on growing wealth,

0:48:21.160 --> 0:48:22.920
<v Speaker 3>so the wealth took care of the debt. I did

0:48:23.000 --> 0:48:25.080
<v Speaker 3>not focus on the debt. But that took a lot

0:48:25.080 --> 0:48:27.520
<v Speaker 3>of retraining mentally. And so that's like a piece of

0:48:27.520 --> 0:48:28.520
<v Speaker 3>advice that I would give you.

0:48:29.520 --> 0:48:31.759
<v Speaker 2>Yeah, And if you're thinking about an investment property too,

0:48:31.800 --> 0:48:34.719
<v Speaker 2>and you're if you you know, have a property or

0:48:34.760 --> 0:48:36.920
<v Speaker 2>a budget in mind, where Okay, if you know that

0:48:36.960 --> 0:48:39.560
<v Speaker 2>if you saved diligently for the next three to five years,

0:48:39.600 --> 0:48:43.279
<v Speaker 2>you'll have enough cash to pay for an investment property outright,

0:48:43.320 --> 0:48:45.000
<v Speaker 2>and then you're going to rent it out and people

0:48:45.040 --> 0:48:47.160
<v Speaker 2>you'll have rental income, which could then help you pay

0:48:47.160 --> 0:48:51.520
<v Speaker 2>your mortgage down plus be a source of passive income

0:48:51.560 --> 0:48:54.360
<v Speaker 2>in the future. Then maybe that equation makes more sense.

0:48:54.880 --> 0:48:57.520
<v Speaker 2>Then it's like the temporary not paying down your mortgage,

0:48:57.520 --> 0:48:59.840
<v Speaker 2>but you know, building up toward that investment and the

0:49:00.000 --> 0:49:02.680
<v Speaker 2>investment property. You know, of course, Tiffany and I are

0:49:02.760 --> 0:49:07.080
<v Speaker 2>not financial experts or financial planners or investment advisors. All

0:49:07.080 --> 0:49:09.439
<v Speaker 2>of our advice is just based on our own experiences,

0:49:09.520 --> 0:49:11.319
<v Speaker 2>so you know, when it comes down to making that

0:49:11.360 --> 0:49:15.319
<v Speaker 2>final decision, you'll probably want to consult financial advisor or

0:49:15.360 --> 0:49:17.960
<v Speaker 2>do your own research. But that's just the way that

0:49:18.600 --> 0:49:21.439
<v Speaker 2>you know. I've thought about investment properties in the past,

0:49:21.440 --> 0:49:22.000
<v Speaker 2>and Tiff too.

0:49:22.840 --> 0:49:23.239
<v Speaker 1>Mm hmm.

0:49:23.760 --> 0:49:25.560
<v Speaker 2>Wait, So do not like when people shorten your name

0:49:25.600 --> 0:49:27.000
<v Speaker 2>to Tiffany because I do that. I mean to Tiff,

0:49:27.000 --> 0:49:27.680
<v Speaker 2>I do that all the time.

0:49:27.760 --> 0:49:28.839
<v Speaker 1>No, No, I don't mind.

0:49:28.880 --> 0:49:30.839
<v Speaker 3>It was my African name when people like make up

0:49:30.840 --> 0:49:32.319
<v Speaker 3>their own because it was like when they used to

0:49:32.320 --> 0:49:34.840
<v Speaker 3>make up their own version of it because they couldn't

0:49:34.840 --> 0:49:35.120
<v Speaker 3>say it.

0:49:35.120 --> 0:49:36.600
<v Speaker 1>And I'm like, yeah, that's not it.

0:49:37.320 --> 0:49:40.279
<v Speaker 2>That trigger. And my friend Jess asked me years ago

0:49:40.360 --> 0:49:42.240
<v Speaker 2>not to call her jests and I've never listened.

0:49:43.320 --> 0:49:45.000
<v Speaker 1>Meanwhile, you just said my friend jests, which is how

0:49:45.080 --> 0:49:45.239
<v Speaker 1>are you?

0:49:45.440 --> 0:49:48.640
<v Speaker 2>I know. I don't know if she remembers that saying

0:49:48.640 --> 0:49:50.239
<v Speaker 2>that she didn't like people calling her jests. But I

0:49:50.280 --> 0:49:53.120
<v Speaker 2>was like, sorry, Jess, like for.

0:49:53.120 --> 0:49:54.839
<v Speaker 3>Me tip to Tiffany, I don't you know. I'm like

0:49:55.400 --> 0:49:58.040
<v Speaker 3>that's fine. But like my African name was Adoci and

0:49:58.040 --> 0:49:59.960
<v Speaker 3>people would be like a Juchi.

0:50:00.640 --> 0:50:02.040
<v Speaker 1>I'm like, I'm just gonna carry you. Oh.

0:50:02.200 --> 0:50:04.480
<v Speaker 3>I'm like, or you're just gonna call me adochi. It's

0:50:04.520 --> 0:50:08.400
<v Speaker 3>three tamos dochi. It's not that hard and so like.

0:50:08.480 --> 0:50:10.080
<v Speaker 3>So that used to like really trigger me.

0:50:10.480 --> 0:50:11.920
<v Speaker 1>So but no. Tip to Tiffany.

0:50:11.920 --> 0:50:13.840
<v Speaker 3>I'm like, literally, that's the name I picked when I

0:50:13.880 --> 0:50:16.040
<v Speaker 3>was nine years old and my dad's like.

0:50:16.040 --> 0:50:17.400
<v Speaker 1>Pick a name. We're staying in America.

0:50:17.920 --> 0:50:20.000
<v Speaker 3>And I was like, okay, I mean I was born here,

0:50:20.360 --> 0:50:22.760
<v Speaker 3>but my dad always thought that we would move to Nigeria.

0:50:22.760 --> 0:50:25.400
<v Speaker 3>We'd be raised in Nigeria. But then Nigeria took a

0:50:25.480 --> 0:50:28.839
<v Speaker 3>turn and he was like, yeah, that plant's next. Pick

0:50:28.920 --> 0:50:29.759
<v Speaker 3>you a English name.

0:50:29.800 --> 0:50:31.920
<v Speaker 1>And I was like, ooh, Renee. He was like no.

0:50:32.680 --> 0:50:34.480
<v Speaker 2>I was like, what the hell the eighties?

0:50:34.920 --> 0:50:37.480
<v Speaker 1>I know, yes, right, and so I was like, what

0:50:37.560 --> 0:50:39.040
<v Speaker 1>about I think we are?

0:50:39.200 --> 0:50:41.480
<v Speaker 3>I wanted Renee, I wanted then I wanted Jenny. Thank

0:50:41.520 --> 0:50:44.120
<v Speaker 3>god he nicked that one. He's like Tiffany, be serious.

0:50:44.760 --> 0:50:46.839
<v Speaker 3>So it's like Tiffany's nice, and he was like and

0:50:46.880 --> 0:50:48.440
<v Speaker 3>I literally didn't even think about it.

0:50:48.640 --> 0:50:50.560
<v Speaker 1>I just said I kind of like Tiffany. He's like, okay,

0:50:50.560 --> 0:50:52.120
<v Speaker 1>that's it. I'm like, wait, can I think on that.

0:50:53.560 --> 0:50:57.520
<v Speaker 1>So that was it. Tiffany is and Tiffany. It always

0:50:57.520 --> 0:50:57.879
<v Speaker 1>has been.

0:50:58.080 --> 0:51:01.000
<v Speaker 3>It's still weird when my sisters call me, they only

0:51:01.000 --> 0:51:03.160
<v Speaker 3>call me tiffany more. I call my sisters by their

0:51:03.160 --> 0:51:06.080
<v Speaker 3>African name, except for Lisa, because Lisa was born after

0:51:06.120 --> 0:51:07.440
<v Speaker 3>the switch, so she was born Lisa.

0:51:07.840 --> 0:51:08.560
<v Speaker 1>But it's weird.

0:51:08.880 --> 0:51:11.680
<v Speaker 3>My sisters call me my American name more than anybody

0:51:11.680 --> 0:51:14.879
<v Speaker 3>else because because of my business. So everyone like will

0:51:14.880 --> 0:51:16.040
<v Speaker 3>come to them and be like, oh my god, I

0:51:16.040 --> 0:51:17.920
<v Speaker 3>love your sister, Tiffany. The bunch of nisas helped me,

0:51:18.160 --> 0:51:19.319
<v Speaker 3>so they call me tiffany more.

0:51:19.320 --> 0:51:21.120
<v Speaker 1>But like I don't really.

0:51:21.120 --> 0:51:23.200
<v Speaker 3>I don't call my sisters by their American name unless

0:51:23.200 --> 0:51:25.920
<v Speaker 3>we're like saying it at a jest, like like I said, Carol,

0:51:25.920 --> 0:51:28.160
<v Speaker 3>but that's not her, Like I don't ever call Carol Carol.

0:51:28.200 --> 0:51:29.439
<v Speaker 1>I call her by her African name.

0:51:30.440 --> 0:51:33.359
<v Speaker 3>But yeah, so when someone called me by my African name,

0:51:33.520 --> 0:51:36.080
<v Speaker 3>I'm like, yo, somebody did that the other day, maybe

0:51:36.120 --> 0:51:39.000
<v Speaker 3>like a few months ago, and I looked at them like, wait,

0:51:39.520 --> 0:51:41.520
<v Speaker 3>I know you because you know, and it.

0:51:41.640 --> 0:51:43.560
<v Speaker 1>Was like, yeah, my parents, I know.

0:51:43.560 --> 0:51:45.520
<v Speaker 3>We went to elementary school together. I'm like, we sure did.

0:51:45.600 --> 0:51:47.480
<v Speaker 3>Because that was my name and that school. I mean,

0:51:47.480 --> 0:51:50.319
<v Speaker 3>it's still it now. But when someone's like, hay it

0:51:50.360 --> 0:51:54.640
<v Speaker 3>dol Chi, I'm like, wait, so name it is right.

0:51:54.760 --> 0:51:57.279
<v Speaker 3>It means God's blessing. People got it grawn and I'm like,

0:51:57.320 --> 0:51:58.439
<v Speaker 3>it's not even that hard to say.

0:51:58.600 --> 0:52:01.240
<v Speaker 2>Do you think you'll give your kids Nigerian names?

0:52:01.800 --> 0:52:03.520
<v Speaker 3>I think at least one of their names will be

0:52:03.520 --> 0:52:06.279
<v Speaker 3>because there's some Nigerian names that like, you know, I

0:52:06.520 --> 0:52:08.319
<v Speaker 3>get it for the ease of being into this darn

0:52:08.360 --> 0:52:09.000
<v Speaker 3>dusty country.

0:52:09.040 --> 0:52:11.520
<v Speaker 1>I mean America. You know sometimes you thought we are

0:52:13.000 --> 0:52:13.879
<v Speaker 1>it could be a lot here.

0:52:13.960 --> 0:52:15.239
<v Speaker 2>Yeah, I know with.

0:52:15.239 --> 0:52:17.359
<v Speaker 3>Every country, but but yeah, so I think I would

0:52:17.400 --> 0:52:19.560
<v Speaker 3>do a mix. Like I love the name Adase because

0:52:19.600 --> 0:52:23.640
<v Speaker 3>Ada is first born daughter. That's what like if like

0:52:23.719 --> 0:52:25.879
<v Speaker 3>my sister Karen, somebody would be like, well, ask my dad,

0:52:25.880 --> 0:52:26.640
<v Speaker 3>oh is this your Ada?

0:52:26.800 --> 0:52:28.480
<v Speaker 1>That means your daughter, but first born.

0:52:28.960 --> 0:52:33.759
<v Speaker 3>And and then Esse is king, so Adase means daughter

0:52:33.800 --> 0:52:35.960
<v Speaker 3>of the king, which is princess. So a lot of

0:52:36.000 --> 0:52:39.480
<v Speaker 3>you'll see a lot of Nigerians will or Ego Nigerians

0:52:39.480 --> 0:52:41.040
<v Speaker 3>will have a Dase. So I really like the name

0:52:41.080 --> 0:52:43.960
<v Speaker 3>ad So if I have a daughter, yeah maybe Adase.

0:52:44.840 --> 0:52:45.920
<v Speaker 1>But there's like one.

0:52:45.760 --> 0:52:47.480
<v Speaker 2>Of my best friends is Nigeria and I love her

0:52:47.520 --> 0:52:50.360
<v Speaker 2>name is totally Lope. I just love saying it again.

0:52:50.920 --> 0:52:53.040
<v Speaker 2>She goes by Tulu, but I'm like, no, totally.

0:52:52.840 --> 0:52:58.120
<v Speaker 3>Lope probably so she's she's your back. So total lou

0:52:58.239 --> 0:53:01.040
<v Speaker 3>is a is a very common pre like you're about.

0:53:01.320 --> 0:53:04.759
<v Speaker 3>Use a lot of prefixes like Tolu oh lah. So

0:53:04.800 --> 0:53:07.839
<v Speaker 3>whenever I hear like Tolu oh lah Olu, some those

0:53:07.840 --> 0:53:10.839
<v Speaker 3>are used typically your u by names and Ebo's use

0:53:10.880 --> 0:53:11.280
<v Speaker 3>a lot.

0:53:11.120 --> 0:53:13.520
<v Speaker 1>Of post kind of fix like Chi me.

0:53:13.640 --> 0:53:16.040
<v Speaker 3>I think Olu is God and you're Aba, and she

0:53:16.200 --> 0:53:18.680
<v Speaker 3>is God in Ebo, so you'll hear like Ado Chi

0:53:19.400 --> 0:53:22.360
<v Speaker 3>like h she goes e to like you know, so

0:53:22.400 --> 0:53:24.960
<v Speaker 3>whenever I hear Chi, I'm like, oh, you're you're likely

0:53:25.000 --> 0:53:28.200
<v Speaker 3>Ebo because because Nigerians seem to be very religious, so

0:53:28.239 --> 0:53:30.719
<v Speaker 3>they'll use God in children's names a lot. But like

0:53:30.800 --> 0:53:33.480
<v Speaker 3>I can typically tell by someone's name, like you know,

0:53:33.560 --> 0:53:36.560
<v Speaker 3>if they're Nigerian, if they're Ebo, you're about or something else.

0:53:36.600 --> 0:53:38.879
<v Speaker 3>But yeah, I mean, our names are beautiful and it's

0:53:39.000 --> 0:53:41.239
<v Speaker 3>just I'm actually glad that people don't call me that. So,

0:53:41.280 --> 0:53:43.000
<v Speaker 3>like if you see me in the street, I mean, honestly,

0:53:43.960 --> 0:53:46.080
<v Speaker 3>if you're not gonna say it right, I don't want

0:53:46.080 --> 0:53:48.360
<v Speaker 3>you to say it because it's not cute to me,

0:53:48.480 --> 0:53:50.960
<v Speaker 3>you know, like I feel protective over I don't want

0:53:50.960 --> 0:53:51.720
<v Speaker 3>to be like Dchi.

0:53:51.880 --> 0:53:53.400
<v Speaker 1>I'm like, yeah, just come.

0:53:53.280 --> 0:53:56.360
<v Speaker 3>To Tiffany because I'm not going to respond to the

0:53:56.400 --> 0:53:59.839
<v Speaker 3>wrong you know, the missing of my beautiful African name

0:54:00.680 --> 0:54:01.279
<v Speaker 3>fair enough.

0:54:02.400 --> 0:54:06.319
<v Speaker 2>Don't call me Amanda's ma. I'm just kidding that as

0:54:06.360 --> 0:54:09.200
<v Speaker 2>all the same. Don't call me Mandy with a y.

0:54:09.560 --> 0:54:10.000
<v Speaker 2>Damn it.

0:54:11.440 --> 0:54:13.359
<v Speaker 1>I'm like, wait, you're not Mandy with a lie.

0:54:13.360 --> 0:54:16.080
<v Speaker 2>You're like, I'm oh my god, I still have relatives.

0:54:16.120 --> 0:54:18.279
<v Speaker 2>You put that on my cards. I'm like, just just.

0:54:18.239 --> 0:54:22.800
<v Speaker 4>Say come on, I literally, you know whatever.

0:54:22.960 --> 0:54:26.160
<v Speaker 2>It's fine. I'm used to it. It's cool. All right.

0:54:26.400 --> 0:54:29.080
<v Speaker 2>Well that's our show, you guys, Thanks for tuning in,

0:54:29.160 --> 0:54:31.520
<v Speaker 2>and thanks for your questions. I'll be checking the gram.

0:54:31.600 --> 0:54:33.680
<v Speaker 2>You know, we'll come. I'll meet you guys where you are.

0:54:33.719 --> 0:54:35.640
<v Speaker 2>We got way more questions on the GRAM than through

0:54:35.680 --> 0:54:38.560
<v Speaker 2>our Are we old? This is email no longer a thing?

0:54:38.760 --> 0:54:38.840
<v Speaker 1>Like?

0:54:38.920 --> 0:54:42.200
<v Speaker 2>Come on, I mean, email still is a good way

0:54:42.200 --> 0:54:44.399
<v Speaker 2>to reach us. It sure is easier to keep track

0:54:44.440 --> 0:54:47.799
<v Speaker 2>on email. Brandonbispodcast at gmail dot com. You can hit

0:54:47.840 --> 0:54:51.480
<v Speaker 2>us up directly also on the Gram send me a DM.

0:54:51.520 --> 0:54:53.880
<v Speaker 2>Just don't tag us in your stories because I have

0:54:53.960 --> 0:54:56.080
<v Speaker 2>to view those within twenty four hours or they disappear

0:54:56.400 --> 0:54:58.319
<v Speaker 2>and I'm constantly clicking and I'm like, oh, I can't

0:54:58.320 --> 0:55:00.320
<v Speaker 2>see it anymore. So send me a as a d

0:55:00.440 --> 0:55:03.280
<v Speaker 2>M and I'll check those. We're at Brand Edition Podcast

0:55:03.520 --> 0:55:05.960
<v Speaker 2>on Instagram.

0:55:06.280 --> 0:55:08.479
<v Speaker 1>Yeah, this was a good shot. I feel good.

0:55:08.760 --> 0:55:11.799
<v Speaker 2>I feel great. All right, Well, go have a good

0:55:11.800 --> 0:55:21.080
<v Speaker 2>rest of your week and we'll see you guys next week.