WEBVTT - EP. 104 — Tis the Season for Debt 

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<v Speaker 1>Yay, I'm back. I feel like I've been doing a

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<v Speaker 1>lot of Tripolitely.

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<v Speaker 2>Tell me about it.

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<v Speaker 1>So well, first, hey ba listeners, how you are, how

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<v Speaker 1>you been? If you're new, welcome, full up a seat. Well,

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<v Speaker 1>I don't know, you know, I just got back to

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<v Speaker 1>Australia and then I went to Arizona for a special

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<v Speaker 1>gathering of West Africans West African Vultron.

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<v Speaker 2>To be fully correct, I thought I felt an electric

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<v Speaker 2>current go through the universe this weekend and I was like,

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<v Speaker 2>what's happening? And then I saw your Instagram and I

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<v Speaker 2>was like, oh, it's the future power of Nigerian Americans

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<v Speaker 2>in the Grand Canyon and wherever the hell you guys were.

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<v Speaker 1>Yeah, we were in Sedona and Phoenix. So it was Nigerians,

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<v Speaker 1>well Nigerians Ganans. I think it's someone who's Cameroonian. So

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<v Speaker 1>just being a group of dope with that, you said,

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<v Speaker 1>who was Cameronian?

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<v Speaker 2>Now I said, ooh, I've never met anyone from Cameroon. Cameroon.

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<v Speaker 2>I had to think backwards, like.

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<v Speaker 1>What a Cameroonian be called? Yeah, So honestly the group

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<v Speaker 1>started because I believe so a friend of mine, Lovey

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<v Speaker 1>from awesomely lovey. Many of you probably know her to

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<v Speaker 1>the New York Times best seller blogger and just all

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<v Speaker 1>around badass.

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<v Speaker 2>Did she get her sticker?

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<v Speaker 1>She did, you know, yeah, and I'm so glad she

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<v Speaker 1>made that fuss because she got the sticker and the

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<v Speaker 1>new her book I'm Judging You, which is a New

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<v Speaker 1>York Times bestseller. Again she it's in hard dack now,

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<v Speaker 1>so it's available like wherever books are sold. Oh are

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<v Speaker 1>you kidding? Men?

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<v Speaker 2>She did the reverse, so she started out paperback and

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<v Speaker 2>then went hardcover. Yeh, tristan cool.

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<v Speaker 1>I'm not sure why, like how that works, but yeah.

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<v Speaker 1>So she we apparently went to our guess met a

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<v Speaker 1>whole bunch of dope folks at like some event a

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<v Speaker 1>couple years back, and they stayed connected because there were

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<v Speaker 1>the few brown people that were there and they all

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<v Speaker 1>happened to be West African and some exclusive like you know,

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<v Speaker 1>like conference or something like invite only conference, and she

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<v Speaker 1>was like, you know, we should all connect, and then

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<v Speaker 1>they did and they started kind of inviting their friends

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<v Speaker 1>in so Lovely actually invited me, and then the other

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<v Speaker 1>folks who she was at that conference with started inviting

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<v Speaker 1>their friends, and before you knew it, know it. We

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<v Speaker 1>started kind of like a chat like WhatsApp, and before

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<v Speaker 1>it was just kind of like, you know, just group chat.

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<v Speaker 1>But now it's really starting to evolve. And so I'm

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<v Speaker 1>excited because but I didn't really know what half the

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<v Speaker 1>people did. I just knew that they seemed fun and dope,

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<v Speaker 1>and you know, I think I had done an initial

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<v Speaker 1>Google search, you know, on some of them, like oh,

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<v Speaker 1>well who's that, Oh who's that? Oh wow? And then

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<v Speaker 1>after a while I was like I just stopped. I'm like, ah,

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<v Speaker 1>they just started cool in the group been So, you know,

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<v Speaker 1>we a few months back, someone was like, we should

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<v Speaker 1>really I think, you know, there was we all met

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<v Speaker 1>up at essence Fest, or like a large chunk of

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<v Speaker 1>us were either speaking or participating in somewhere at essence Fest,

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<v Speaker 1>and so we all had like lunch and we all

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<v Speaker 1>went to like concert and backstage and we just had

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<v Speaker 1>a really good time together. And we started thinking like

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<v Speaker 1>we should really make this a deeper connection. And so

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<v Speaker 1>three of the young women from the group, Opal Funa

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<v Speaker 1>and Justina, they they put together this Wave Summit and

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<v Speaker 1>it was dope. The house was amazing, I mean, like

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<v Speaker 1>MTV cribs amazing. Even people who were like in the

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<v Speaker 1>group who's who run in circles with fancy folks, were like, whoa,

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<v Speaker 1>this house was amazing. It was so amazing. I didn't

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<v Speaker 1>even feel comfortable. I was like, what is this? This

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<v Speaker 1>is like a set, you know. And so it was

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<v Speaker 1>beautiful and it was set right in the mountains, so

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<v Speaker 1>you could see all the red mountains and and we

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<v Speaker 1>spent a lot of time just like talking to getting

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<v Speaker 1>getting to know one another and figuring out how we

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<v Speaker 1>can help each other, and just like hanging out and connecting. Honestly,

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<v Speaker 1>it was really dope's It's crazy to be among high

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<v Speaker 1>achievers and to see what that looks like mixed with

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<v Speaker 1>different personalities, you know, because everyone here is like a

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<v Speaker 1>super high achiever. Honestly, I kept thinking to myself, why

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<v Speaker 1>am I here? I feel like a freshman for all

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<v Speaker 1>these seniors, you know. And that was nice too. It

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<v Speaker 1>was nice to kind of just sit back in awe

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<v Speaker 1>and just be like, what, She's the one who made

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<v Speaker 1>what her business is doing, what this one is doing? What?

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<v Speaker 1>You know? So I just kept being like.

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<v Speaker 2>What so y'all like, oh, sorry, y'all, Like so basically

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<v Speaker 2>it's like a group trip you rent to like an

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<v Speaker 2>Airbnb or like a house.

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<v Speaker 1>Yeah it was an Airbnb, but it was a super face. Yeah,

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<v Speaker 1>so just to like get to know each other and

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<v Speaker 1>figure out what do we want to do with this,

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<v Speaker 1>like you know, this tremendous power we have you know, No,

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<v Speaker 1>I'm just but yeah, so it was Honestly, it was

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<v Speaker 1>really awesome. But yeah, I learned some really great lessons

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<v Speaker 1>just about balance and harmony and that I used to

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<v Speaker 1>always think, like, well, once I get to a certain level,

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<v Speaker 1>certain I won't have certain issues anymore, like certain like

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<v Speaker 1>I'll figure out balance and I'll figure out how to

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<v Speaker 1>make everything work and I won't still be worried about

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<v Speaker 1>messing up. And yeah, that's not true. It's like, oh,

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<v Speaker 1>like so just to see what it looked like from

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<v Speaker 1>I don't want to say at the top, because everybody's

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<v Speaker 1>still striving, but to kind of see what it looked

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<v Speaker 1>like from like to me extreme achievement and to see

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<v Speaker 1>like to learn that I have to learn how to

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<v Speaker 1>manage the emotion of expectation and not getting everything I

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<v Speaker 1>want or whatever now because just because I achieved more,

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<v Speaker 1>that those feelings don't go away. So to see it

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<v Speaker 1>in folks like that, like, no, you just better figure

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<v Speaker 1>out how to manage it now, because that the more

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<v Speaker 1>you achieve, the more you want to achieve, and the

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<v Speaker 1>more you're going to mess up, and the more you're

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<v Speaker 1>going to be unsure. Certain things that net never really

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<v Speaker 1>goes away. It's just human. So it was really nice

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<v Speaker 1>to see that. I was, like I was telling Drina.

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<v Speaker 1>She didn't come with me, but I was just telling

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<v Speaker 1>when I got home, like we need some more like

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<v Speaker 1>real life, in person friends. Not to say the waves

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<v Speaker 1>are not my friends, but you know what I mean,

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<v Speaker 1>like the folks that you connect to regularly, like you

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<v Speaker 1>know that aside from us who are growing a business,

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<v Speaker 1>because it's a weird space because you don't know sometimes

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<v Speaker 1>how you're doing, you know what I mean. Like when

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<v Speaker 1>I had a job, you know, and I was a teacher,

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<v Speaker 1>it was clear there were these clear markers of like, Okay,

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<v Speaker 1>the kids can read, and I'm here on time, and

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<v Speaker 1>my left the plants are done. But when you work

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<v Speaker 1>for yourself, sometimes I'm like out here floating and I

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<v Speaker 1>don't know how I'm doing. Honestly, I'm like, am I

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<v Speaker 1>doing good? I don't know? I mean because money is

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<v Speaker 1>not is not a good enough like measuring stick, because

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<v Speaker 1>sometimes you will randomly make money and you're like, yeah,

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<v Speaker 1>I didn't that was a mistake, but okay, you know,

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<v Speaker 1>and so and sometimes too, you know, you will be

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<v Speaker 1>busting your behind and it won't work. So it's like

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<v Speaker 1>it's the feedback for you know, when you're an actual

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<v Speaker 1>or sometimes it's difficult to gauge where am I and

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<v Speaker 1>how am I doing? And because you can get so

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<v Speaker 1>much in the weeds that you feel like, am I

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<v Speaker 1>doing well? You know, because I don't know what it

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<v Speaker 1>looks like from the outside, and even still just because

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<v Speaker 1>it looks good from the outside doesn't mean it's really

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<v Speaker 1>good on the inside. So it was just nice to

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<v Speaker 1>kind of like look at like, you know, it's almost

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<v Speaker 1>like it was like looking in like in ad mirror,

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<v Speaker 1>even if it was an advanced mirror of like, oh okay,

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<v Speaker 1>so you know, I can kind of see what it

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<v Speaker 1>looks like and kind of like what my my markers

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<v Speaker 1>and my goals are, you know. Yeah, so that was

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<v Speaker 1>cool about it. So when you do this weekend, I

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<v Speaker 1>saw you in that pool.

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<v Speaker 2>Oh I had some self care took care of maybe

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<v Speaker 2>this weekend that place was amazing. Yeah, my friends are

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<v Speaker 2>so nice and there's just massive, like just I don't

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<v Speaker 2>know this huge spa type facility that I passed. I

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<v Speaker 2>just drove by it one day in Jersey and Edgewater

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<v Speaker 2>if you're familiar with that area, and I was like,

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<v Speaker 2>I want to see what's in there. And I mentioned

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<v Speaker 2>it in passing one of my girlfriends. And then from

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<v Speaker 2>my birthday, a bunch of my my little group of

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<v Speaker 2>friends got together and got me a gift card and

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<v Speaker 2>it just kind of like sat forever, and finally this weekend,

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<v Speaker 2>I was like, I'm going and it was magical, Like

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<v Speaker 2>I mean when you talk about spending money on an

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<v Speaker 2>experience where you feel like that was worth all the pennies.

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<v Speaker 2>It was only seventy five. It was seventy five dollars,

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<v Speaker 2>but you get access to just endless rooms of different

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<v Speaker 2>like saunas and hot tubs and cold pools and warm

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<v Speaker 2>pools and pools outside and pools inside and comfy chairs

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<v Speaker 2>you can just recline in and look at the view

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<v Speaker 2>and I mean, like, what is the name.

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<v Speaker 1>Of the spot? And how far work in Jersey City.

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<v Speaker 2>It's only it's like a thirty minute twenty thirty minute

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<v Speaker 2>drive from Jersey City. Yeah, you have you have to go.

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<v Speaker 2>You have to go. Take a friend. I just want whether,

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<v Speaker 2>I just want a good My best my best girlfriend

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<v Speaker 2>who she like runs, she loves the spa, and she

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<v Speaker 2>took me one time to like one of those janky

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<v Speaker 2>bath houses in the city in Manhattan, and I was like,

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<v Speaker 2>I don't know if I'm ever coming back here, like

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<v Speaker 2>cause it's like in the basement and it's you know,

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<v Speaker 2>it's New York, so you can't fit a big spa,

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<v Speaker 2>so they're like they're leaking and you don't know where

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<v Speaker 2>all the web the water is coming from. And you're

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<v Speaker 2>like there's Randos, you know, sitting in the spa next

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<v Speaker 2>to you, and the sauna next to you. And I

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<v Speaker 2>wasn't sure if I was ever going to go back.

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<v Speaker 2>But this place was like spectacular, so clean. The women

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<v Speaker 2>and men are separate for the in the like the

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<v Speaker 2>pools and saunas area, and then there's like a communal

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<v Speaker 2>area and then there's there's like four different levels and

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<v Speaker 2>they have restaurant, they have a smoothie bar.

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<v Speaker 1>And I think this place, like it.

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<v Speaker 2>Sounds like something Correll will do, will do.

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<v Speaker 1>Yeah, he's very fancy.

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<v Speaker 2>You can, so like you get like the day pass

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<v Speaker 2>what we did. Day pass just gets you access to

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<v Speaker 2>all the spas a Sonnets whatever. But if you want

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<v Speaker 2>like special treatments, that's extra, like massages and things like that.

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<v Speaker 2>But those looked amazing. But it was just such a

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<v Speaker 2>nice day and I had a I had like a

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<v Speaker 2>really busy weekend and I don't know, I just it

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<v Speaker 2>was it was awesome. Would four stars will go back?

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<v Speaker 2>So Joe spot Club, if you're listening, you know, give

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<v Speaker 2>me a discount next time. Yeah, it was awesome. Yeah,

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<v Speaker 2>it was really nice weekend. And uh, I don't know

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<v Speaker 2>about I don't know about you, but before the holidays,

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<v Speaker 2>I feel like work gets more and more intense because

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<v Speaker 2>I feel like I was working this weekend because I

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<v Speaker 2>wanted to get ahead of the short week and I'm

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<v Speaker 2>just like I feel like I am skidding across the

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<v Speaker 2>finish line. Just I'm just I feel like I'm not

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<v Speaker 2>going to relax until I get on the flight to

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<v Speaker 2>Atlanta tomorrow night. I'm just gonna like power through these

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<v Speaker 2>next two days. But I am ready because I cannot

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<v Speaker 2>wait for my dad's cornbread stuffing. I haven't I can't wait.

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<v Speaker 2>This is my first time back in Atlanta for Thanksgiving

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<v Speaker 2>in like nine years. I think. I don't think I've

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<v Speaker 2>been back since college. Yeah, it's been a long time.

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<v Speaker 1>Like in general Atlanta or you mean just for the holidays.

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<v Speaker 2>Boy, for the specific Thanksgiving holiday, yeah, which is my

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<v Speaker 2>favorite food holiday. I'm like, I've gone back the week

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<v Speaker 2>before and like two weeks later, but I haven't been

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<v Speaker 2>back on the actual holiday since college.

0:11:20.800 --> 0:11:24.160
<v Speaker 1>So my mom just texting yesterday was like, so, yeah, Thanksgiving,

0:11:24.200 --> 0:11:24.840
<v Speaker 1>I'm not cooking.

0:11:25.200 --> 0:11:27.520
<v Speaker 2>I was like, wait, what it's canceled?

0:11:29.000 --> 0:11:31.160
<v Speaker 1>I was like wait what? She was like, meanwhile, who

0:11:31.240 --> 0:11:33.760
<v Speaker 1>taught her how to group text talking about I'm tired?

0:11:35.920 --> 0:11:37.679
<v Speaker 1>And I was like, Mommy, like, that's something you tell

0:11:37.720 --> 0:11:40.160
<v Speaker 1>people like the week before, so we can like we

0:11:40.200 --> 0:11:42.559
<v Speaker 1>can like pull it out. She was like, oh, I'll

0:11:42.559 --> 0:11:44.600
<v Speaker 1>figure it out. So and I still expect everybody to

0:11:44.600 --> 0:11:47.160
<v Speaker 1>be at the house with food in hand. So I

0:11:47.240 --> 0:11:50.760
<v Speaker 1>was like, wait, I don't have the time to figure out.

0:11:50.800 --> 0:11:52.800
<v Speaker 1>So I call my favorite so food spot. I'm like, so,

0:11:53.679 --> 0:11:57.960
<v Speaker 1>how much does a full Thanksgiving dinner car? And they

0:11:58.000 --> 0:11:59.680
<v Speaker 1>were like one hundred and five bucks. I'm like, what

0:11:59.679 --> 0:12:02.520
<v Speaker 1>does that come with? They're like a full turkey and

0:12:02.800 --> 0:12:05.120
<v Speaker 1>five sides, and I think like a dessert. I was like,

0:12:05.120 --> 0:12:07.880
<v Speaker 1>really four hundred and five bucks. So I told my sisters,

0:12:07.920 --> 0:12:10.439
<v Speaker 1>everybody have twenty five bucks and they said yes. I'm like, well,

0:12:10.440 --> 0:12:11.400
<v Speaker 1>Thanksgiving is back on.

0:12:13.280 --> 0:12:14.800
<v Speaker 2>Wait what do you gonna eat, miss vegan?

0:12:15.679 --> 0:12:19.200
<v Speaker 1>I know on sides honestly, likely just some side. And

0:12:19.240 --> 0:12:21.640
<v Speaker 1>my mom, even though she said she's not cooking, she's

0:12:21.679 --> 0:12:23.320
<v Speaker 1>going to cook. Like my mom cannot help but cook.

0:12:23.360 --> 0:12:25.320
<v Speaker 1>She just means she doesn't want to do the huge overhaul.

0:12:25.559 --> 0:12:29.000
<v Speaker 1>She'll probably make like like cause Nigeria's we tend to

0:12:29.040 --> 0:12:31.400
<v Speaker 1>have a lot of vegetable dishes, so like she'll probably

0:12:31.440 --> 0:12:33.040
<v Speaker 1>make like two or three of those or whatever. She

0:12:33.080 --> 0:12:34.400
<v Speaker 1>just doesn't want to do, like the root or to

0:12:34.440 --> 0:12:35.200
<v Speaker 1>the tutor, you know.

0:12:35.600 --> 0:12:38.160
<v Speaker 2>I hear that, and I feel like Thanksgiving should be

0:12:38.160 --> 0:12:41.160
<v Speaker 2>a pot look like everyone's sort of break, like, yeah,

0:12:41.200 --> 0:12:43.480
<v Speaker 2>the host does the turkey and the main sides like

0:12:43.480 --> 0:12:45.440
<v Speaker 2>a pumpkin pie and the stuffing and stuff, but then

0:12:45.440 --> 0:12:47.640
<v Speaker 2>everyone else brings stuff. That's what makes it so much fun,

0:12:47.960 --> 0:12:49.320
<v Speaker 2>at least like in my fam.

0:12:49.960 --> 0:12:51.760
<v Speaker 1>Yeah, no, everyone, I told everyone, you know, bring your

0:12:51.800 --> 0:12:53.880
<v Speaker 1>twenty five bucks and then bring whatever side or dessert

0:12:53.920 --> 0:12:55.960
<v Speaker 1>you're going to bring, so we should. We always have

0:12:56.240 --> 0:12:58.600
<v Speaker 1>way more than we need, but at least, like I

0:12:58.679 --> 0:13:00.880
<v Speaker 1>know that the main step is done, you know.

0:13:01.000 --> 0:13:03.920
<v Speaker 2>So I'm like, Okay, my dad speaking of more than

0:13:03.960 --> 0:13:06.160
<v Speaker 2>you need. Every year, at least when I was growing up.

0:13:06.360 --> 0:13:09.559
<v Speaker 2>He probably still does this, but every year after Thanksgiving

0:13:09.559 --> 0:13:12.920
<v Speaker 2>he takes he like wraps up plates of leftover food

0:13:12.960 --> 0:13:15.480
<v Speaker 2>and he'll just go under the highway overpasses, I mean

0:13:16.200 --> 0:13:20.040
<v Speaker 2>male privilege, right, and just drop off bags to homeless people.

0:13:21.160 --> 0:13:23.400
<v Speaker 2>He used to take me with him, and I'd be like, oh, Dad, no,

0:13:23.600 --> 0:13:25.520
<v Speaker 2>I don't know, but you know, you grow up, you

0:13:25.559 --> 0:13:27.560
<v Speaker 2>start to respect your parents' quirky habits.

0:13:27.920 --> 0:13:29.240
<v Speaker 1>Yeah, no, that's awesome.

0:13:30.480 --> 0:13:33.600
<v Speaker 2>Yeah yeah, I'm really excited. And then and it started.

0:13:33.640 --> 0:13:36.840
<v Speaker 2>I'm starting to feel like Chrimas time, I'm already having

0:13:36.840 --> 0:13:39.319
<v Speaker 2>the argument with my siblings, like are we gonna do gifts? No,

0:13:39.360 --> 0:13:41.360
<v Speaker 2>we're not going to do gifts. Someone wants to do gifts.

0:13:41.880 --> 0:13:44.680
<v Speaker 2>Somebody wants to do white Elephant, Like we're going through

0:13:44.679 --> 0:13:50.800
<v Speaker 2>that whole situation right now, but any day now Christmas time, Yeah, I.

0:13:50.760 --> 0:13:52.959
<v Speaker 1>Think we're gonna do I sign up for the one

0:13:52.960 --> 0:13:55.160
<v Speaker 1>that you suggested last year, draw names or something.

0:13:55.559 --> 0:13:58.360
<v Speaker 2>Yeah, there's a bunch of those like name drawing sites.

0:13:58.920 --> 0:14:02.120
<v Speaker 1>I love it until you've shared that site. So for

0:14:02.120 --> 0:14:04.120
<v Speaker 1>those of you who were like, what's that? So Mandy

0:14:04.120 --> 0:14:06.200
<v Speaker 1>told me about the site last year, I think it was.

0:14:06.720 --> 0:14:08.960
<v Speaker 1>I think it was originally called Secret Santa or something,

0:14:09.000 --> 0:14:11.360
<v Speaker 1>but it ends up really being the site called draw

0:14:11.480 --> 0:14:14.600
<v Speaker 1>names dot com. Totally free. So if you do like

0:14:14.640 --> 0:14:17.120
<v Speaker 1>that kind of the gift exchange where you choose one

0:14:17.160 --> 0:14:19.400
<v Speaker 1>person out of a group and that kind of thing,

0:14:19.440 --> 0:14:21.920
<v Speaker 1>it's great because you put in your budget like whatever

0:14:21.960 --> 0:14:23.680
<v Speaker 1>it is, like the gift can't be more than twenty

0:14:23.680 --> 0:14:26.680
<v Speaker 1>five dollars, and then everyone puts in their name and

0:14:26.720 --> 0:14:29.160
<v Speaker 1>their email and like three gifts or whatever that they'd like.

0:14:30.560 --> 0:14:32.400
<v Speaker 1>So you've got to choose, and then the thing, the

0:14:33.080 --> 0:14:36.200
<v Speaker 1>program or their website for free will send you your person,

0:14:36.320 --> 0:14:38.960
<v Speaker 1>like you've got Karen, and here's the three things she'd like,

0:14:39.000 --> 0:14:41.440
<v Speaker 1>and here's the general budget, like so you pick a

0:14:41.440 --> 0:14:44.320
<v Speaker 1>budget overall for everyone. So it's awesome because my sisters

0:14:44.360 --> 0:14:46.200
<v Speaker 1>and I used to do it every year anyway, but

0:14:46.440 --> 0:14:48.280
<v Speaker 1>we would literally pick names out of a bowl and

0:14:48.280 --> 0:14:50.080
<v Speaker 1>then I would always forget like, wait, who's my person?

0:14:52.520 --> 0:14:55.680
<v Speaker 1>So every year I forget and so I just remember

0:14:55.760 --> 0:14:57.840
<v Speaker 1>because draw Names just actually emailed me like it's that

0:14:57.920 --> 0:14:59.800
<v Speaker 1>kind of year again. I was like, look at draw.

0:14:59.680 --> 0:15:03.080
<v Speaker 2>Name, Oh so good marketing.

0:15:03.480 --> 0:15:05.640
<v Speaker 1>Exactly, and then two, what's so awesome you could say

0:15:06.040 --> 0:15:07.960
<v Speaker 1>you can actually put in there. Make sure you don't

0:15:07.960 --> 0:15:09.960
<v Speaker 1>get the person from last year. You're like, look at Johnny,

0:15:09.960 --> 0:15:12.160
<v Speaker 1>I don't even remember who I had last year, you know.

0:15:13.320 --> 0:15:16.560
<v Speaker 1>So yeah, I'm excited to see like my niece, my nephew,

0:15:16.920 --> 0:15:19.560
<v Speaker 1>my mom, my dad, my sisters, and of course Hobby

0:15:19.600 --> 0:15:21.400
<v Speaker 1>is gonna come, and then we're gonna my mom always

0:15:21.440 --> 0:15:23.840
<v Speaker 1>has an early dinner like three, I don't know why,

0:15:23.920 --> 0:15:26.000
<v Speaker 1>and then we're going to go to his sisters afterwards

0:15:26.000 --> 0:15:28.080
<v Speaker 1>and spend, you know, spend the rest of the evening there.

0:15:28.520 --> 0:15:32.160
<v Speaker 2>So a blended holiday, but now it's weird. I was

0:15:32.200 --> 0:15:33.960
<v Speaker 2>selfish this year for Thanksgiving. I was like, I'm not

0:15:33.960 --> 0:15:35.560
<v Speaker 2>seeing any other family. I just want to see my

0:15:35.600 --> 0:15:38.520
<v Speaker 2>immediate family. I'm not like cause you know, like I

0:15:38.560 --> 0:15:40.120
<v Speaker 2>don't know. Growing up, I was always going to like

0:15:40.120 --> 0:15:42.280
<v Speaker 2>different houses and different things, and it's just I just

0:15:42.320 --> 0:15:44.200
<v Speaker 2>want to park it and just be somewhere and I

0:15:44.320 --> 0:15:47.360
<v Speaker 2>have to be in traffic driving all over the city.

0:15:47.560 --> 0:15:51.040
<v Speaker 2>But for Christmas, we are doing first of all, wire

0:15:51.080 --> 0:15:55.280
<v Speaker 2>flights to Minneapolis, like nine hundred dollars for two people. Ridiculous.

0:15:55.440 --> 0:15:57.400
<v Speaker 2>I don't know, You're not are you? You're not traveling

0:15:57.400 --> 0:15:57.880
<v Speaker 2>for Christmas?

0:15:57.920 --> 0:15:59.600
<v Speaker 1>Are you no favorites New Jersey?

0:16:00.480 --> 0:16:03.240
<v Speaker 2>I'm telling Christmas on a weekend is the worst because

0:16:03.280 --> 0:16:05.960
<v Speaker 2>like first year, have the first waymie of like, it's

0:16:05.960 --> 0:16:08.400
<v Speaker 2>the holiday, so tickets are always more expensive, but I

0:16:08.440 --> 0:16:10.640
<v Speaker 2>think the fact that it falls on a weekend just

0:16:10.720 --> 0:16:13.880
<v Speaker 2>made everything so much more expensive. Like last year, I

0:16:13.920 --> 0:16:16.280
<v Speaker 2>bought tickets to visit my mom for Christmas and they

0:16:16.320 --> 0:16:18.280
<v Speaker 2>were less than three hundred dollars each, and this year

0:16:18.320 --> 0:16:21.880
<v Speaker 2>it was four fifty apiece. So I was like, and

0:16:22.040 --> 0:16:24.920
<v Speaker 2>I could have gone to Europe, but yeah, right, I

0:16:24.920 --> 0:16:29.520
<v Speaker 2>guess I'll go to Minneapolis instead. Yeah, out out out.

0:16:30.000 --> 0:16:32.280
<v Speaker 2>And then they have those basic economy seats which they

0:16:32.280 --> 0:16:34.520
<v Speaker 2>don't even like do you have you ever gotten basic

0:16:34.520 --> 0:16:38.120
<v Speaker 2>economy by accident? Yes, it's the worst. You can't bring

0:16:38.160 --> 0:16:41.120
<v Speaker 2>a carry on, like, you don't get to choose your seat.

0:16:42.440 --> 0:16:43.720
<v Speaker 2>I don't think it's.

0:16:43.400 --> 0:16:46.320
<v Speaker 1>Guarantee the middle You're like, they're like, well, you're guaranteed

0:16:46.320 --> 0:16:48.480
<v Speaker 1>the middle, and I'm like, honestly, the airlines are trash

0:16:49.040 --> 0:16:51.640
<v Speaker 1>and they're getting trash here by the day, so pray

0:16:51.680 --> 0:16:55.320
<v Speaker 1>for your right. I know. It's like, uh, because you're looking,

0:16:55.360 --> 0:16:58.280
<v Speaker 1>I'm like, so wait, there's actually lower than low.

0:16:58.440 --> 0:16:58.600
<v Speaker 2>Oh.

0:16:58.880 --> 0:17:04.920
<v Speaker 1>Thanks, guaranteed middle guaranteed, no outlet guaranteed.

0:17:04.359 --> 0:17:08.280
<v Speaker 2>Like guaranteed to board last. So everyone can just you know,

0:17:08.440 --> 0:17:12.320
<v Speaker 2>watch everyone go before you. Yeah, I'm done. I'm like, okay,

0:17:12.359 --> 0:17:15.480
<v Speaker 2>I'll spend the extra forty bucks to not feel like

0:17:15.680 --> 0:17:21.240
<v Speaker 2>second rate, third rate, fifth rate. Yeah, a lot of days.

0:17:21.520 --> 0:17:24.560
<v Speaker 2>What else is happening? Christy Tiagan and John Legend are

0:17:24.560 --> 0:17:28.600
<v Speaker 2>having a baby, another one. They're allowed to have them

0:17:28.600 --> 0:17:29.520
<v Speaker 2>as many as they want.

0:17:29.760 --> 0:17:31.600
<v Speaker 1>Yeah, No, I love that because I know that they

0:17:31.600 --> 0:17:32.879
<v Speaker 1>were having a hard time before.

0:17:32.920 --> 0:17:35.520
<v Speaker 2>You know, oh I remember that. Yeah, when she like

0:17:35.600 --> 0:17:37.480
<v Speaker 2>cried she had a didn't wait, she used to have

0:17:37.480 --> 0:17:40.119
<v Speaker 2>a TV show or something, and she like cried talking

0:17:40.160 --> 0:17:43.640
<v Speaker 2>about what how did they do? Were they like doing

0:17:43.640 --> 0:17:45.880
<v Speaker 2>in vitro or something? I forget I.

0:17:45.800 --> 0:17:48.880
<v Speaker 1>Think so, And honestly, they she just was having such

0:17:48.880 --> 0:17:50.879
<v Speaker 1>a hard time. I remember she talked about that everyone

0:17:50.880 --> 0:17:52.560
<v Speaker 1>want to feel like when you guys gonna have kids,

0:17:52.640 --> 0:17:54.520
<v Speaker 1>and she said that it'd always break her heart because

0:17:54.520 --> 0:17:57.080
<v Speaker 1>they were trying. And you know, people think like, well,

0:17:57.080 --> 0:17:59.480
<v Speaker 1>you don't have kids. You know, sometimes it's because you

0:17:59.520 --> 0:18:02.320
<v Speaker 1>just don't want, but sometimes there are literally women who've

0:18:02.359 --> 0:18:04.359
<v Speaker 1>been trying for years. So when you're like, so you're

0:18:04.400 --> 0:18:06.480
<v Speaker 1>in your huschood, I'm not gonna have kids, You're like, oh, thanks,

0:18:06.520 --> 0:18:10.280
<v Speaker 1>because you know I've been trying, but for some reason,

0:18:10.440 --> 0:18:14.080
<v Speaker 1>I'm not able. So like, especially now that I'm like older,

0:18:14.160 --> 0:18:16.680
<v Speaker 1>now that we're trying and we're having a hard time,

0:18:17.440 --> 0:18:19.920
<v Speaker 1>that like I'm more sensitive to that because you know,

0:18:20.000 --> 0:18:21.680
<v Speaker 1>it seemed like such an innocent question, like, oh, you

0:18:21.720 --> 0:18:23.880
<v Speaker 1>guys gonna have kids? What are you waiting on?

0:18:24.119 --> 0:18:26.720
<v Speaker 2>Like h and it's the holidays coming up? So you know,

0:18:26.760 --> 0:18:29.639
<v Speaker 2>any any single women out there? This is this is

0:18:29.640 --> 0:18:33.000
<v Speaker 2>our dreaded I mean I just said hour, but you're dreaded.

0:18:33.920 --> 0:18:35.879
<v Speaker 2>It was mine too. Last year, it was what's the

0:18:35.880 --> 0:18:37.840
<v Speaker 2>wedding coming up? What you got planned? It's always something.

0:18:37.880 --> 0:18:39.119
<v Speaker 2>Now it's are you gonna have a baby? When you

0:18:39.200 --> 0:18:42.040
<v Speaker 2>gonna have a baby? Yes, just women in general. Man,

0:18:42.160 --> 0:18:44.800
<v Speaker 2>I'm like, can you talk to my husband? Here's his phone, number.

0:18:45.359 --> 0:18:47.160
<v Speaker 2>He's right over there on the couch. Go go ask

0:18:47.240 --> 0:18:53.360
<v Speaker 2>him these questions. Oh, awkward family, awkward family holiday talks exactly.

0:18:53.560 --> 0:18:54.520
<v Speaker 2>It's exciting for them.

0:18:55.520 --> 0:18:57.800
<v Speaker 1>No, it is exciting, and I'm happy for her. I'm

0:18:57.800 --> 0:18:59.359
<v Speaker 1>just glad my mom started to cut out because we

0:18:59.440 --> 0:19:01.720
<v Speaker 1>used to do these huge family gatherings where it was

0:19:01.800 --> 0:19:04.119
<v Speaker 1>like whose house it was like maybe five families, we

0:19:04.160 --> 0:19:06.960
<v Speaker 1>would rotate houses. But the last couple of Thanksgiving it's

0:19:06.960 --> 0:19:09.919
<v Speaker 1>been really small, which I like, it's just literally my sister's,

0:19:09.920 --> 0:19:13.160
<v Speaker 1>my mom and my dad and then sometimes an auxiliary

0:19:13.240 --> 0:19:15.800
<v Speaker 1>friend that somebody might bring or like, you know, like

0:19:16.119 --> 0:19:19.480
<v Speaker 1>a random husband or so. But it's been really intimate

0:19:19.520 --> 0:19:20.560
<v Speaker 1>and just nice. You know.

0:19:21.680 --> 0:19:25.240
<v Speaker 2>I love it small and cozy and no randos.

0:19:25.440 --> 0:19:28.840
<v Speaker 1>Exactly because that means it means that it's less there's

0:19:28.920 --> 0:19:30.840
<v Speaker 1>less likely to be not that we ever have drama,

0:19:30.840 --> 0:19:32.879
<v Speaker 1>but less likely to have those awkward none of your

0:19:32.920 --> 0:19:33.960
<v Speaker 1>business questions.

0:19:34.320 --> 0:19:38.520
<v Speaker 2>Yeah, totally, yeah, you could just play them. Tracy Ellis

0:19:38.600 --> 0:19:41.480
<v Speaker 2>Ross's speech from the Glamour The Glamour Women of the

0:19:41.760 --> 0:19:43.600
<v Speaker 2>What was it Women of the Year Awards? Did you

0:19:43.600 --> 0:19:44.280
<v Speaker 2>see her with.

0:19:44.359 --> 0:19:47.160
<v Speaker 1>No Drina went? Which I was so jelly, But whatever.

0:19:47.520 --> 0:19:50.520
<v Speaker 2>You guys getting all the fun stuff. But she well,

0:19:50.560 --> 0:19:52.520
<v Speaker 2>you can, you can from the comfort of your own home.

0:19:52.560 --> 0:19:55.080
<v Speaker 2>You can watch the clip of Tracy Ellis at Ross's speech.

0:19:55.160 --> 0:19:57.320
<v Speaker 2>She gave a speech basically on just that, like she's

0:19:57.359 --> 0:20:00.400
<v Speaker 2>forty five, doesn't have a husband, doesn't have kids, and

0:20:00.440 --> 0:20:03.160
<v Speaker 2>how she like she's talking about basically how she came

0:20:03.200 --> 0:20:06.320
<v Speaker 2>to terms with that and what she tells people when

0:20:06.359 --> 0:20:10.000
<v Speaker 2>they question her. But uh, yeah, I imagine that's really frustrating,

0:20:10.200 --> 0:20:12.520
<v Speaker 2>especially when, like, you know, in her speech, she's like,

0:20:12.880 --> 0:20:15.719
<v Speaker 2>I know, I haven't done these two things baby in marriage,

0:20:15.720 --> 0:20:18.200
<v Speaker 2>but I have done like a million other things, right,

0:20:18.520 --> 0:20:18.880
<v Speaker 2>you know.

0:20:19.320 --> 0:20:22.880
<v Speaker 1>Why does that become the qualifier? Like, you know, it's

0:20:22.880 --> 0:20:26.800
<v Speaker 1>so weird because it's like, before you know, I got married,

0:20:27.280 --> 0:20:29.600
<v Speaker 1>it was like, oh, oh, you built a sixth figure

0:20:29.600 --> 0:20:32.040
<v Speaker 1>and a seventh figure business. Oh, especially after being a

0:20:32.080 --> 0:20:34.680
<v Speaker 1>preschool teacher and losing your job. All those things are good,

0:20:34.800 --> 0:20:37.600
<v Speaker 1>you know, and you got married, Oh my god, you

0:20:37.640 --> 0:20:40.880
<v Speaker 1>got oh. Like I'm like, because that was way easier

0:20:40.920 --> 0:20:45.679
<v Speaker 1>than everything else totally, and it's so crazy. I feel like,

0:20:45.760 --> 0:20:47.760
<v Speaker 1>you know, if I'm blessed to be get pregnant, which

0:20:47.840 --> 0:20:49.280
<v Speaker 1>of course is such a blessing, and I know people

0:20:49.280 --> 0:20:52.360
<v Speaker 1>are going to be excited, but it's not something where

0:20:53.240 --> 0:20:57.159
<v Speaker 1>it's not like, aside from you know, the regular stuff,

0:20:57.280 --> 0:20:59.520
<v Speaker 1>there's nothing I can do about my body deciding whether

0:20:59.600 --> 0:21:01.119
<v Speaker 1>or it's going to happen, you know what I mean. Like,

0:21:01.400 --> 0:21:04.360
<v Speaker 1>it's not like I can I can. I can put

0:21:04.400 --> 0:21:07.800
<v Speaker 1>in work to make the budgetista be successful, but and

0:21:07.840 --> 0:21:09.239
<v Speaker 1>I mean, I can do my best as far as

0:21:09.240 --> 0:21:12.040
<v Speaker 1>the baby's concerned, but ultimately, my body's gonna do. My

0:21:12.359 --> 0:21:14.919
<v Speaker 1>body's gonna do. So it's so disheartening that that's like

0:21:15.560 --> 0:21:17.600
<v Speaker 1>you're like, you get a gold shiny metal You're a

0:21:17.640 --> 0:21:21.000
<v Speaker 1>real woman now, you know, Like you know that part

0:21:21.040 --> 0:21:23.480
<v Speaker 1>is frustrating because you're like, that's why I share with

0:21:23.520 --> 0:21:25.560
<v Speaker 1>you guys about like the fibroids and like the trying

0:21:25.640 --> 0:21:29.359
<v Speaker 1>and because you know, it's not easy. And so there

0:21:29.440 --> 0:21:31.119
<v Speaker 1>might be a woman that you know and you're like, well,

0:21:31.160 --> 0:21:33.080
<v Speaker 1>why don't you any kids? And meanwhile she's like, thanks,

0:21:33.119 --> 0:21:37.480
<v Speaker 1>I had a miscarriage yesterday, but okay, you know, yeah, no,

0:21:37.800 --> 0:21:41.080
<v Speaker 1>you know, and so yeah, it's not easy at all.

0:21:51.240 --> 0:21:54.560
<v Speaker 1>All right, So are you ready to boost or break?

0:21:55.080 --> 0:22:00.240
<v Speaker 1>Brown boosts? Brown break? What you're gonna do Are you ready?

0:22:00.800 --> 0:22:02.560
<v Speaker 2>I'm ready born ready.

0:22:02.600 --> 0:22:08.800
<v Speaker 1>Well, I think I'm gonna take a break from the

0:22:08.840 --> 0:22:12.000
<v Speaker 1>whole Black Friday Cyber Monday thing. Like I mean, don't

0:22:12.000 --> 0:22:13.960
<v Speaker 1>get me wrong, like if there's something you're kind of

0:22:14.000 --> 0:22:17.080
<v Speaker 1>squatting on, like ooh, I've been wanting this hair dryer

0:22:17.280 --> 0:22:20.080
<v Speaker 1>or this vacuum clean or whatever, but I feel like

0:22:20.720 --> 0:22:24.160
<v Speaker 1>the marketers are winning and you're getting stuff that you're

0:22:24.240 --> 0:22:26.160
<v Speaker 1>like I don't really need or I don't really want

0:22:26.320 --> 0:22:27.199
<v Speaker 1>or you know.

0:22:27.200 --> 0:22:27.680
<v Speaker 2>What I mean.

0:22:27.800 --> 0:22:30.080
<v Speaker 1>Like, I just feel like I'm just taking a break

0:22:30.119 --> 0:22:32.679
<v Speaker 1>because I asked my husband last night, Oh, my husband,

0:22:32.720 --> 0:22:34.880
<v Speaker 1>it always sounds it still sounds crazy. Does it still

0:22:34.880 --> 0:22:36.439
<v Speaker 1>sounds crazy to you? My husband?

0:22:36.440 --> 0:22:38.800
<v Speaker 2>When you say it, it sounds a lot less awkward

0:22:38.800 --> 0:22:42.480
<v Speaker 2>than saying fiance, Like fiance, I felt like, oh, fiance

0:22:46.119 --> 0:22:48.480
<v Speaker 2>have potentious I don't know, but I honestly say husby,

0:22:48.560 --> 0:22:50.439
<v Speaker 2>it's really weird. I should probably not say that, but

0:22:50.480 --> 0:22:52.919
<v Speaker 2>I started saying husbye, and I just can't stop.

0:22:53.960 --> 0:22:55.800
<v Speaker 1>But yeah, whenever I say husband, I'm always like wait,

0:22:55.840 --> 0:22:58.800
<v Speaker 1>who oh my god head right there? So yeah, So

0:22:59.200 --> 0:23:02.440
<v Speaker 1>I was asking him what do you want for you know, Christmas?

0:23:02.480 --> 0:23:05.879
<v Speaker 1>And he was like honestly, I just want to be happy,

0:23:06.280 --> 0:23:08.840
<v Speaker 1>and I'm like, okay, aside from that, and he was like, honestly,

0:23:09.200 --> 0:23:12.040
<v Speaker 1>he wants a stereo system, but he was like, I

0:23:12.040 --> 0:23:13.960
<v Speaker 1>don't want to get it here where we are because

0:23:14.000 --> 0:23:15.840
<v Speaker 1>I want when we get to the house that we

0:23:15.960 --> 0:23:18.399
<v Speaker 1>install one specifically for the house. So I said, okay,

0:23:18.880 --> 0:23:22.560
<v Speaker 1>so that's not something you know that I'm gonna get.

0:23:22.600 --> 0:23:25.399
<v Speaker 1>And then for Supergirl, I mean, I don't think she

0:23:25.440 --> 0:23:28.720
<v Speaker 1>wants anything super techy. I feel like that Black Friday

0:23:28.760 --> 0:23:31.320
<v Speaker 1>and Cyber Money are great times to get deals on

0:23:31.400 --> 0:23:34.399
<v Speaker 1>like tech items or like a big ticket item. And

0:23:34.440 --> 0:23:38.080
<v Speaker 1>she's pretty easy, honestly. For some reason, she's really into

0:23:38.119 --> 0:23:40.600
<v Speaker 1>doll babies right now, like she wasn't when she was younger,

0:23:41.119 --> 0:23:44.399
<v Speaker 1>and now she's like American Girl, you know, or whatever

0:23:44.480 --> 0:23:47.560
<v Speaker 1>the equivalent is a Target and like doll baby clothes.

0:23:47.680 --> 0:23:49.639
<v Speaker 1>She's eleven, so she know she's still in that age,

0:23:49.680 --> 0:23:52.720
<v Speaker 1>and so she's super easy. Honestly, I could spend like

0:23:52.960 --> 0:23:55.399
<v Speaker 1>fifty bucks at Target and rack up and she'd be like,

0:23:55.400 --> 0:23:59.040
<v Speaker 1>oh my god, you know. So other than that, I

0:23:59.119 --> 0:24:00.840
<v Speaker 1>just feel like there's nothing, really, like I don't have

0:24:00.920 --> 0:24:03.879
<v Speaker 1>anything even for myself. There's no tech gadget that I

0:24:03.960 --> 0:24:06.080
<v Speaker 1>kind of want. So I don't really have any plans

0:24:06.119 --> 0:24:09.960
<v Speaker 1>I'm spending buying anything on Cyber Money or a Black Friday,

0:24:09.960 --> 0:24:11.920
<v Speaker 1>but I just want to take a break from it

0:24:12.119 --> 0:24:14.639
<v Speaker 1>or maybe a pause and make sure that you are

0:24:14.680 --> 0:24:16.760
<v Speaker 1>going to get something for Black Friday or Cyber Money.

0:24:16.800 --> 0:24:18.959
<v Speaker 1>You're not just getting stuff because you're just getting it,

0:24:19.000 --> 0:24:22.199
<v Speaker 1>you know, Like you know, like make your list. So

0:24:22.720 --> 0:24:25.399
<v Speaker 1>one thing I do do for for the holiday season

0:24:25.480 --> 0:24:27.680
<v Speaker 1>is I kind of make a list of like everyone

0:24:28.000 --> 0:24:31.880
<v Speaker 1>I'm potentially gonna get gifts for, and then I kind

0:24:31.920 --> 0:24:34.639
<v Speaker 1>of map out like, oh, I likely get her this

0:24:34.800 --> 0:24:36.800
<v Speaker 1>and him this and then that just so, and then

0:24:36.840 --> 0:24:39.159
<v Speaker 1>I kind of write down how much each item is

0:24:39.160 --> 0:24:41.800
<v Speaker 1>gonna cost. So I have a basic working budget. So

0:24:41.880 --> 0:24:44.480
<v Speaker 1>I'm not like, cause one thing I've never had is

0:24:44.520 --> 0:24:47.480
<v Speaker 1>credit card debt after the holiday seasons like ever ever,

0:24:47.760 --> 0:24:51.200
<v Speaker 1>you know, because I'm like, well, one of my sisters

0:24:51.240 --> 0:24:53.480
<v Speaker 1>will get something we're not getting all fult for because

0:24:53.480 --> 0:24:56.040
<v Speaker 1>we have that draw names. I have a niece and

0:24:56.040 --> 0:24:58.679
<v Speaker 1>nephew now, but he's too and she's seven months, so

0:24:58.760 --> 0:25:00.080
<v Speaker 1>literally I can give him a lot about it and

0:25:00.119 --> 0:25:03.880
<v Speaker 1>they're like yay, you know, you don't have a god son.

0:25:03.960 --> 0:25:06.520
<v Speaker 1>He's too as well, So I mean, you know, there

0:25:06.560 --> 0:25:08.840
<v Speaker 1>just would be like ten bucks maybe because they have

0:25:08.960 --> 0:25:11.360
<v Speaker 1>so many toys already. So and I might not even

0:25:11.359 --> 0:25:13.719
<v Speaker 1>give them a gift honestly or something really an expensive

0:25:13.720 --> 0:25:15.240
<v Speaker 1>and then put money in there. I have. I have

0:25:15.280 --> 0:25:18.639
<v Speaker 1>accounts for all of them and so and my parents

0:25:18.640 --> 0:25:19.880
<v Speaker 1>are fairly easy.

0:25:19.880 --> 0:25:21.879
<v Speaker 2>Like savings accounts are like IRA.

0:25:22.880 --> 0:25:24.760
<v Speaker 1>Yes, I'm trying to God what to do because they're

0:25:24.760 --> 0:25:26.720
<v Speaker 1>still really young. I'm trying to figure out where to

0:25:26.720 --> 0:25:29.720
<v Speaker 1>put their money. I want to ask my financial advisor, like, okay,

0:25:30.000 --> 0:25:34.159
<v Speaker 1>I give them one hundred dollars for each year that

0:25:34.240 --> 0:25:36.760
<v Speaker 1>they're born on their birthday, so it's I have an

0:25:36.760 --> 0:25:40.600
<v Speaker 1>account for Supergirl, my niece, my nephew, and my godson.

0:25:40.680 --> 0:25:42.880
<v Speaker 1>So that's four kids. And so for a Supergirl, when

0:25:42.920 --> 0:25:45.160
<v Speaker 1>she turns eleven, I put eleven hundred dollars in her account.

0:25:45.359 --> 0:25:47.439
<v Speaker 1>My nephew turned two, two hundred dollars, and then they

0:25:47.440 --> 0:25:48.480
<v Speaker 1>get fifty bucks a month.

0:25:48.640 --> 0:25:49.720
<v Speaker 2>That's going to be expensive.

0:25:50.359 --> 0:25:51.760
<v Speaker 1>I know, I don't even know why I started it

0:25:51.880 --> 0:25:52.480
<v Speaker 1>like that or whatever.

0:25:53.320 --> 0:25:56.360
<v Speaker 2>So when she turns twenty one, yeah.

0:25:56.320 --> 0:25:58.040
<v Speaker 1>But you know what though, it said, I want it

0:25:58.080 --> 0:26:00.680
<v Speaker 1>really for by the time, I mean forever and ever.

0:26:00.680 --> 0:26:02.040
<v Speaker 1>I don't know when I'm going to stop it. Maybe

0:26:02.040 --> 0:26:04.800
<v Speaker 1>when maybe when she turns twenty one and then. But

0:26:04.800 --> 0:26:06.760
<v Speaker 1>I'm trying to figure out, like is it for college

0:26:07.840 --> 0:26:09.520
<v Speaker 1>or what is it gonna be? But I you know,

0:26:09.600 --> 0:26:13.119
<v Speaker 1>I've been consistently like putting money toward it to decide.

0:26:13.160 --> 0:26:14.840
<v Speaker 1>But I'm trying to figure out where's the best place

0:26:14.880 --> 0:26:17.040
<v Speaker 1>to put it because I feel like, obviously a savings

0:26:17.080 --> 0:26:19.320
<v Speaker 1>account isn't it. But I also don't want to put

0:26:19.320 --> 0:26:21.400
<v Speaker 1>it in in a five.

0:26:21.240 --> 0:26:23.960
<v Speaker 2>Or one, well no one, five two nine plan.

0:26:24.200 --> 0:26:27.000
<v Speaker 1>Yes, which is the college savings plan, because I don't

0:26:27.000 --> 0:26:29.479
<v Speaker 1>know what college is going to be like in ten years,

0:26:29.840 --> 0:26:32.000
<v Speaker 1>and I don't want to lock their money into a

0:26:32.160 --> 0:26:34.919
<v Speaker 1>into a plan that they get penalized if it's not

0:26:35.040 --> 0:26:36.240
<v Speaker 1>used for certain things.

0:26:36.000 --> 0:26:38.520
<v Speaker 2>You know, yeah, five two nine plans. It can only

0:26:38.600 --> 0:26:41.800
<v Speaker 2>be used for college expenses, although you can transfer it

0:26:41.840 --> 0:26:44.960
<v Speaker 2>to other people like another niece or nephew or like

0:26:44.960 --> 0:26:48.080
<v Speaker 2>a relative or something. But why not just like have

0:26:48.200 --> 0:26:50.360
<v Speaker 2>their parent open a custodial ira for them.

0:26:50.960 --> 0:26:53.119
<v Speaker 1>I was thinking that, like that was something that I

0:26:53.160 --> 0:26:55.960
<v Speaker 1>was thinking that that might be the way is to

0:26:56.000 --> 0:26:59.320
<v Speaker 1>put it in a custodial iray so it can't grow

0:26:59.400 --> 0:27:01.080
<v Speaker 1>and then it can be use. Now if it's a

0:27:01.119 --> 0:27:05.359
<v Speaker 1>custodial ira with like a regular ira, or does it

0:27:05.520 --> 0:27:07.159
<v Speaker 1>is it? Do they have to wait for it to

0:27:07.160 --> 0:27:10.199
<v Speaker 1>fully mature until they're like retirement age in order to

0:27:10.320 --> 0:27:12.240
<v Speaker 1>not have any penalty for withdrawing.

0:27:13.320 --> 0:27:15.240
<v Speaker 2>No, I think that you can. I think it depends

0:27:15.240 --> 0:27:19.640
<v Speaker 2>on what they're withdrawing the funds for. But I think

0:27:19.680 --> 0:27:21.520
<v Speaker 2>you can use it. For example, like if you're going

0:27:21.560 --> 0:27:23.600
<v Speaker 2>to put a down payment on a house, you can.

0:27:23.680 --> 0:27:25.520
<v Speaker 2>I think you can probably use it to pay for

0:27:26.280 --> 0:27:31.400
<v Speaker 2>education expenses. You can definitely use it for retirement. I mean,

0:27:31.400 --> 0:27:33.080
<v Speaker 2>what do you I guess it. I guess it depends

0:27:33.160 --> 0:27:34.639
<v Speaker 2>on what you want them to be able to do

0:27:34.720 --> 0:27:37.840
<v Speaker 2>with the money. But in terms of like when they

0:27:37.840 --> 0:27:39.439
<v Speaker 2>have access to it, I think it would. I think

0:27:39.480 --> 0:27:41.879
<v Speaker 2>they get access to it when they turn eighteen, and

0:27:41.920 --> 0:27:44.080
<v Speaker 2>then you kind of like give the keys to them

0:27:44.280 --> 0:27:46.560
<v Speaker 2>and they can go forth. They could roll it over

0:27:47.400 --> 0:27:49.119
<v Speaker 2>into whatever they wanted to roll it over into.

0:27:49.960 --> 0:27:52.960
<v Speaker 1>Okay, I like that custodial ira. I'm gonna do a

0:27:53.000 --> 0:27:55.440
<v Speaker 1>little more digging because I've been asking myself, like Tiffany,

0:27:55.840 --> 0:27:57.560
<v Speaker 1>you know better than to keep this into this low

0:27:57.600 --> 0:28:01.760
<v Speaker 1>performing even though it's ally but low performing savings account.

0:28:01.880 --> 0:28:04.360
<v Speaker 1>I've just been dragging my feet about where to put it, you.

0:28:04.320 --> 0:28:08.520
<v Speaker 2>Know, yeah here you I mean, you could just open

0:28:08.600 --> 0:28:11.600
<v Speaker 2>up like a coast total IRA somewhere like wherever you

0:28:11.640 --> 0:28:13.600
<v Speaker 2>have your brokerage account, and then you know, you can

0:28:13.640 --> 0:28:17.679
<v Speaker 2>always roll it over or they could always roll it

0:28:17.680 --> 0:28:19.560
<v Speaker 2>over when we finally have access to it. As long

0:28:19.600 --> 0:28:21.680
<v Speaker 2>as you roll it over to another IRA should be fine,

0:28:21.720 --> 0:28:24.040
<v Speaker 2>like if they don't like the company or something like that.

0:28:24.960 --> 0:28:25.919
<v Speaker 1>Okay, I like that.

0:28:26.240 --> 0:28:29.160
<v Speaker 2>Hm, Okay, our friends have like five two nine plans

0:28:29.200 --> 0:28:30.760
<v Speaker 2>that we just put the money there because that's where

0:28:30.760 --> 0:28:32.439
<v Speaker 2>they want it to go. But yeah, I think what

0:28:32.480 --> 0:28:35.199
<v Speaker 2>you say makes sense because, like I mean, I guess

0:28:35.200 --> 0:28:37.480
<v Speaker 2>like they're assuming college is always going to be really expensive.

0:28:37.560 --> 0:28:39.320
<v Speaker 2>But what if you don't need all the money.

0:28:39.640 --> 0:28:42.200
<v Speaker 1>Exactly, or just like what if because like I'm pretty

0:28:42.200 --> 0:28:45.440
<v Speaker 1>sure Supergirl is going to go, but like the baby

0:28:45.720 --> 0:28:50.479
<v Speaker 1>is too, Like you know, in sixteen years, people might

0:28:50.520 --> 0:28:52.640
<v Speaker 1>be going to like do like college might not be

0:28:52.720 --> 0:28:54.800
<v Speaker 1>the thing that that it is. And now you know

0:28:54.840 --> 0:28:56.960
<v Speaker 1>what I mean, And I just don't want to lock

0:28:57.000 --> 0:28:59.640
<v Speaker 1>them into like, oh, you know what instead or what

0:28:59.680 --> 0:29:03.360
<v Speaker 1>if Like my nephew is like sixteen and like this

0:29:03.520 --> 0:29:06.120
<v Speaker 1>super genius and he wants to start a company. I

0:29:06.120 --> 0:29:07.440
<v Speaker 1>don't want him to not to be able to say,

0:29:07.440 --> 0:29:08.720
<v Speaker 1>you know, I really like to use his money to

0:29:08.760 --> 0:29:09.680
<v Speaker 1>invest in my company.

0:29:09.720 --> 0:29:13.760
<v Speaker 2>Okay, yeah, I mean Mark. You could also do CDs,

0:29:14.280 --> 0:29:16.560
<v Speaker 2>like a long term CD, like if you really don't

0:29:16.560 --> 0:29:18.320
<v Speaker 2>want like if you know they're not going to touch

0:29:18.360 --> 0:29:21.720
<v Speaker 2>it until you know, ten fifteen years from now, can

0:29:21.720 --> 0:29:24.680
<v Speaker 2>put in CDs that might earn more than a I know,

0:29:24.720 --> 0:29:26.800
<v Speaker 2>my grandma put mine in like a I don't even

0:29:26.800 --> 0:29:29.040
<v Speaker 2>know what it was back when savings bonds had raped

0:29:29.160 --> 0:29:31.200
<v Speaker 2>had like you could earn something on a savings bond

0:29:31.720 --> 0:29:33.920
<v Speaker 2>and then I got it when I forget how old

0:29:33.960 --> 0:29:35.920
<v Speaker 2>I was, I think must have like high school graduation

0:29:36.040 --> 0:29:39.320
<v Speaker 2>or something. But yeah, I feel like a CD might

0:29:39.760 --> 0:29:41.520
<v Speaker 2>Maybe that's like the maybe that's like the even the

0:29:41.560 --> 0:29:43.640
<v Speaker 2>middle ground. If you don't want to lock it up

0:29:44.240 --> 0:29:47.040
<v Speaker 2>until at fifty nine and a half, you know, in IRA,

0:29:47.520 --> 0:29:49.280
<v Speaker 2>or if it until they go to college, then maybe

0:29:49.280 --> 0:29:51.480
<v Speaker 2>you could just do like CDs just so you're earning

0:29:51.520 --> 0:29:52.840
<v Speaker 2>them a little bit more.

0:29:53.760 --> 0:29:55.920
<v Speaker 1>I wonder though with a CD, because you know, like

0:29:55.920 --> 0:29:58.880
<v Speaker 1>how I contribute fifty bucks a month? I wonder how

0:29:58.880 --> 0:30:01.360
<v Speaker 1>that works? Like, can do I add money? Do I

0:30:01.360 --> 0:30:02.880
<v Speaker 1>have to get a CD every month? You know what

0:30:02.960 --> 0:30:03.280
<v Speaker 1>I mean?

0:30:04.200 --> 0:30:06.960
<v Speaker 2>Oh? Can you continue adding money? Good question? I don't know.

0:30:07.560 --> 0:30:10.160
<v Speaker 1>Yeah, I think that's that's a good question to ask.

0:30:10.200 --> 0:30:13.560
<v Speaker 1>I'm gonna sit down with Maybe I'll just even call

0:30:13.720 --> 0:30:15.480
<v Speaker 1>like ally just to see, like just to get a

0:30:15.520 --> 0:30:17.760
<v Speaker 1>base because that is a good idea, because you know

0:30:17.760 --> 0:30:19.320
<v Speaker 1>you're right though, because if you're going to save money

0:30:19.320 --> 0:30:22.440
<v Speaker 1>for little ones in your life, you want to maximize

0:30:22.920 --> 0:30:25.200
<v Speaker 1>your interest because they can actually take advantage, like all

0:30:25.200 --> 0:30:27.000
<v Speaker 1>the stuff that you said, I wish I knew this

0:30:27.040 --> 0:30:28.480
<v Speaker 1>when I was younger. You get to do it for

0:30:28.560 --> 0:30:29.200
<v Speaker 1>someone who.

0:30:29.040 --> 0:30:31.360
<v Speaker 2>Is younger exactly.

0:30:32.320 --> 0:30:34.640
<v Speaker 1>But yeah, so Brown, break from these from using all

0:30:34.680 --> 0:30:37.480
<v Speaker 1>tricking up all your money Black Friday. Get something that

0:30:37.520 --> 0:30:40.040
<v Speaker 1>you've been like having your eye on, but make your

0:30:40.120 --> 0:30:41.840
<v Speaker 1>list for the people that you want to buy things for,

0:30:42.560 --> 0:30:44.560
<v Speaker 1>and try not to just get stuff just to get

0:30:44.600 --> 0:30:46.640
<v Speaker 1>stuff like oh but it's on sale, but you're not

0:30:46.680 --> 0:30:48.360
<v Speaker 1>really saving if you weren't on to buy it anyway.

0:30:48.520 --> 0:30:55.920
<v Speaker 1>But no judgment, no judgment, but a side I.

0:30:53.520 --> 0:30:56.120
<v Speaker 2>I'm just gonna hide. I'm not going anywhere Black Friday.

0:30:56.120 --> 0:30:59.040
<v Speaker 2>It's a nightmare. The one thing I do allow myself

0:30:59.080 --> 0:31:01.640
<v Speaker 2>to do is Black Friday always has really good clothing sales,

0:31:01.640 --> 0:31:04.720
<v Speaker 2>like online, so I will like get new genes. That's

0:31:04.760 --> 0:31:06.840
<v Speaker 2>my new gene day. I don't know how hy jeans

0:31:06.840 --> 0:31:11.480
<v Speaker 2>are so important, but anyway, that's my one allowance. Yeah.

0:31:11.480 --> 0:31:15.000
<v Speaker 2>So my brown break is also going to be holiday themed.

0:31:15.480 --> 0:31:19.320
<v Speaker 2>And I was thinking back about one of the mistakes

0:31:19.320 --> 0:31:21.160
<v Speaker 2>I made. I used to work at Coals. For those

0:31:21.200 --> 0:31:23.480
<v Speaker 2>of you, I don't think I've mentioned that before. When

0:31:23.480 --> 0:31:26.800
<v Speaker 2>I was in college and they used to pressure us

0:31:26.840 --> 0:31:29.480
<v Speaker 2>to like sell, I worked at the Gap and at Coals,

0:31:29.600 --> 0:31:32.400
<v Speaker 2>and I was like one of the top sales reps

0:31:32.440 --> 0:31:34.520
<v Speaker 2>because I could get anybody to open up a Coals

0:31:34.600 --> 0:31:37.400
<v Speaker 2>charge or a Gap card. They were like, yeah, I

0:31:37.440 --> 0:31:39.480
<v Speaker 2>was like, really good at it. I had no idea

0:31:39.520 --> 0:31:42.080
<v Speaker 2>what the hell I was telling them, but I was like, yeah,

0:31:42.160 --> 0:31:44.520
<v Speaker 2>open up this gap card. You get fifteen percent of today.

0:31:44.560 --> 0:31:46.920
<v Speaker 2>It's amazing. Your hair looks great, you look fatulous, those

0:31:46.960 --> 0:31:48.680
<v Speaker 2>jeans look amazing on you. Of course you want a

0:31:48.680 --> 0:31:51.320
<v Speaker 2>gap card. Just keep these good vibes going and I

0:31:51.360 --> 0:31:53.920
<v Speaker 2>would open up like dozens of GAP cards per month,

0:31:54.200 --> 0:31:56.640
<v Speaker 2>and they would reward us for it. You would get

0:31:56.640 --> 0:32:00.400
<v Speaker 2>like pizza, You would get a little cash bonus depending

0:32:00.400 --> 0:32:03.440
<v Speaker 2>on how many cards you would sell people on. And

0:32:03.480 --> 0:32:06.280
<v Speaker 2>the Gap and Coles both did this. And it wasn't

0:32:06.360 --> 0:32:09.760
<v Speaker 2>until obviously I grew up and you know, started writing

0:32:09.760 --> 0:32:12.840
<v Speaker 2>about personal finance and learning more about like the products

0:32:12.880 --> 0:32:15.440
<v Speaker 2>out there, that I realized how freaking terrible retail store

0:32:15.480 --> 0:32:18.160
<v Speaker 2>cards are. And I was like, oh snap, so many

0:32:18.200 --> 0:32:21.480
<v Speaker 2>times I put people on this path toward destruction. I

0:32:21.520 --> 0:32:24.480
<v Speaker 2>had no idea, Like I myself opened up a Coals

0:32:24.560 --> 0:32:26.760
<v Speaker 2>charge card in college and it was like a very

0:32:26.760 --> 0:32:29.000
<v Speaker 2>small limit. It was like six hundred dollars, and I

0:32:29.040 --> 0:32:31.840
<v Speaker 2>would just like charge stuff there and I was like, man,

0:32:31.880 --> 0:32:33.800
<v Speaker 2>why is And I would be paying the minimum balance

0:32:33.840 --> 0:32:35.200
<v Speaker 2>and one day I loose in my account and it

0:32:35.200 --> 0:32:38.560
<v Speaker 2>was more than six hundred dollars because financing charges were

0:32:38.560 --> 0:32:40.880
<v Speaker 2>like the APR when I was in school was twenty

0:32:40.960 --> 0:32:45.000
<v Speaker 2>six point nine to nine percent, which is crazy, And

0:32:45.040 --> 0:32:48.120
<v Speaker 2>I think you save what ten percent when you open

0:32:48.240 --> 0:32:50.840
<v Speaker 2>up the card, But if you're like saving ten percent

0:32:50.920 --> 0:32:52.920
<v Speaker 2>today and you're going to carry a balance and then

0:32:52.960 --> 0:32:55.720
<v Speaker 2>you're going to get charged twenty six percent, twenty seven

0:32:55.760 --> 0:33:00.320
<v Speaker 2>percent almost like the next month. It makes no sense. Yeah,

0:33:00.360 --> 0:33:02.600
<v Speaker 2>but I feel like, I mean, I just want you

0:33:02.640 --> 0:33:05.040
<v Speaker 2>to be on everywhere anyone who's going shopping on Black

0:33:05.080 --> 0:33:08.240
<v Speaker 2>Friday or whatever anytime really, because they're always pushing credit cards.

0:33:08.640 --> 0:33:11.240
<v Speaker 2>Just think about it before you take the like you

0:33:11.360 --> 0:33:14.080
<v Speaker 2>take the carrot that they're dangling in front of you, Like,

0:33:14.240 --> 0:33:16.080
<v Speaker 2>is it really gonna be worth that ten percent off?

0:33:16.080 --> 0:33:18.840
<v Speaker 2>If one I'm gonna ding my credit score by applying

0:33:18.920 --> 0:33:21.320
<v Speaker 2>for this, and two I'm not going to be able

0:33:21.360 --> 0:33:23.280
<v Speaker 2>to pay off the balance and I'm just gonna get

0:33:23.320 --> 0:33:26.640
<v Speaker 2>dragged for the next ten months or however long you know,

0:33:26.720 --> 0:33:30.400
<v Speaker 2>with these interest charges before you sign up. And also

0:33:30.680 --> 0:33:34.680
<v Speaker 2>I apologize for what I contributed to this cas how

0:33:34.680 --> 0:33:36.280
<v Speaker 2>I have a guilty conscious about like.

0:33:40.440 --> 0:33:43.240
<v Speaker 1>I was whoa because you have you still have a

0:33:43.280 --> 0:33:45.200
<v Speaker 1>baby face, so you probably just like, oh my gosh,

0:33:45.480 --> 0:33:47.680
<v Speaker 1>this cute girl off, how do you know what I'm

0:33:47.680 --> 0:33:49.280
<v Speaker 1>gonna apply? You're like, okay, great.

0:33:49.960 --> 0:33:52.240
<v Speaker 2>Once or twice you'd get the sassy customer to be

0:33:52.280 --> 0:33:53.720
<v Speaker 2>like you don't even know what you're selling, do you?

0:33:54.120 --> 0:33:56.760
<v Speaker 2>Like you know, like the woke the woke bomb, that

0:33:56.960 --> 0:34:02.240
<v Speaker 2>is me. I mean, I don't know, I'm sorry. Yeah.

0:34:02.360 --> 0:34:04.680
<v Speaker 1>So my sister used to always be like, like whatever

0:34:04.720 --> 0:34:06.680
<v Speaker 1>you go out, she's like, oh God, like what someone's like,

0:34:06.880 --> 0:34:08.839
<v Speaker 1>would you like to sign up for a credit card?

0:34:08.880 --> 0:34:11.879
<v Speaker 1>She's always like, oh God, please yes, And if they

0:34:11.920 --> 0:34:14.600
<v Speaker 1>push it, I'm like she's asking for it. Then I'm like, ma'am,

0:34:14.719 --> 0:34:17.160
<v Speaker 1>do you know that every time you ask somebody to

0:34:17.239 --> 0:34:19.319
<v Speaker 1>apply for one of these cards they could potentially use

0:34:19.440 --> 0:34:21.480
<v Speaker 1>up to thirty points depending on how many cars they've

0:34:21.520 --> 0:34:24.760
<v Speaker 1>applied for before, And that these store cards to interest

0:34:24.800 --> 0:34:27.400
<v Speaker 1>rates are ridiculous and you're actually destroying their financial future.

0:34:27.840 --> 0:34:29.600
<v Speaker 1>And then I always felt so bad after it because

0:34:29.600 --> 0:34:32.880
<v Speaker 1>I always looking like I didn't I didn't know. I

0:34:32.920 --> 0:34:36.879
<v Speaker 1>didn't I didn't know. And I'm like, will you think

0:34:36.920 --> 0:34:39.320
<v Speaker 1>about that next time you signed somebody up for a card, haven't,

0:34:39.360 --> 0:34:40.040
<v Speaker 1>I say.

0:34:42.080 --> 0:34:47.879
<v Speaker 2>Mike drop Yeah, yep. All right, we Rea did some questions, yes,

0:34:48.080 --> 0:34:51.400
<v Speaker 2>question quicker questions. So we have a good question today

0:34:51.440 --> 0:34:53.000
<v Speaker 2>and if you guys want to submit a question, you

0:34:53.000 --> 0:34:55.960
<v Speaker 2>can go to Brian Ambition podcast dot com or hit

0:34:56.000 --> 0:34:59.480
<v Speaker 2>us up on Gmail at Brian Ambition Podcasts at gmail

0:34:59.520 --> 0:35:05.200
<v Speaker 2>dot com or Facebook or LinkedIn or smoke signal. Whatever

0:35:06.320 --> 0:35:09.360
<v Speaker 2>today's question comes from doesn't want to be named. So

0:35:09.520 --> 0:35:12.960
<v Speaker 2>I just read a post about Shonda Rhyme, so I'm

0:35:12.960 --> 0:35:16.240
<v Speaker 2>just gonna say her name is Shonda. So here's Shonda's question.

0:35:17.239 --> 0:35:19.360
<v Speaker 2>First of all, thank you for the podcast. You're welcome.

0:35:20.040 --> 0:35:22.279
<v Speaker 2>She says, I'm currently stuck between a hard and a

0:35:22.360 --> 0:35:25.280
<v Speaker 2>rock place a heart and I just read that completely wrong.

0:35:29.480 --> 0:35:31.680
<v Speaker 2>That was me. I'm sorry, Shonda, you didn't write it wrong.

0:35:31.840 --> 0:35:36.000
<v Speaker 2>I'm just tired. Okay, sorry. Her question is about voluntary

0:35:36.000 --> 0:35:39.120
<v Speaker 2>reprossessions on her car, so okay. She says, I'm currently

0:35:39.120 --> 0:35:41.799
<v Speaker 2>stuck between a rock and a hard place. I'm a

0:35:41.840 --> 0:35:45.360
<v Speaker 2>single mother of a special needs child. His medical expenses

0:35:45.360 --> 0:35:48.920
<v Speaker 2>are getting more expensive daily. Unfortunately, I don't qualify for

0:35:49.000 --> 0:35:51.319
<v Speaker 2>any assistance due to my income. I'm at a point

0:35:51.320 --> 0:35:54.360
<v Speaker 2>in which I'd like to purchase a house. My dilemma

0:35:54.400 --> 0:35:56.279
<v Speaker 2>is that I can't save any money due to my

0:35:56.400 --> 0:35:59.080
<v Speaker 2>almost six hundred dollars car. Note. I can't get a

0:35:59.160 --> 0:36:03.000
<v Speaker 2>refinanced because the balance is too high. My question is,

0:36:03.000 --> 0:36:06.040
<v Speaker 2>do you recommend a voluntary repossession of my car. I'm

0:36:06.080 --> 0:36:09.200
<v Speaker 2>a member of a credit union that will find excuse me.

0:36:09.480 --> 0:36:11.480
<v Speaker 2>I'm a member of my credit union that will finance

0:36:11.520 --> 0:36:13.759
<v Speaker 2>a new car. My concern is that I will have

0:36:13.800 --> 0:36:16.480
<v Speaker 2>a repossession on my credit report that will hinder me

0:36:16.480 --> 0:36:19.640
<v Speaker 2>from purchasing a home. I'm looking into purchasing using the

0:36:19.800 --> 0:36:23.279
<v Speaker 2>NACA program, which is a little more lenient. But how

0:36:23.320 --> 0:36:26.480
<v Speaker 2>bad will a what is that National Association of Credit

0:36:27.560 --> 0:36:30.200
<v Speaker 2>and you look that up anyway, how bad will repossession

0:36:30.200 --> 0:36:34.800
<v Speaker 2>look on my credit report? I'm out of options? Thanks

0:36:34.800 --> 0:36:37.720
<v Speaker 2>in advance? Oh she called her? She signed it stuck.

0:36:38.719 --> 0:36:42.400
<v Speaker 1>Oh well, And I share that when I met Superman,

0:36:42.560 --> 0:36:45.400
<v Speaker 1>he had this big, old, beautiful Denali it was whatever

0:36:45.440 --> 0:36:48.560
<v Speaker 1>that new year was, and his co sign it was

0:36:48.560 --> 0:36:51.920
<v Speaker 1>none other than his lovely ex girlfriend who you can imagine.

0:36:51.960 --> 0:36:58.840
<v Speaker 1>I was thrilled and Superman because he didn't have me

0:36:58.920 --> 0:37:02.640
<v Speaker 1>in his life. His car payment, Mandy, if you could imagine,

0:37:03.239 --> 0:37:05.359
<v Speaker 1>was nine hundred dollars a month.

0:37:06.600 --> 0:37:11.840
<v Speaker 2>Yikes, And I was like, oh how, I.

0:37:12.520 --> 0:37:16.200
<v Speaker 1>Honestly don't know where he Like, I don't know he

0:37:16.239 --> 0:37:19.640
<v Speaker 1>went to the dealership, and I'm assuming that he got

0:37:19.840 --> 0:37:23.040
<v Speaker 1>financing through the dealership. Honestly, I don't know. Nine hundred

0:37:23.080 --> 0:37:25.440
<v Speaker 1>dollars a month and the reason why he felt comfortable

0:37:25.440 --> 0:37:29.760
<v Speaker 1>paying nine hundred because where he worked, he he actually

0:37:29.800 --> 0:37:31.960
<v Speaker 1>got rent for free, so he wasn't paying to live

0:37:32.000 --> 0:37:34.600
<v Speaker 1>because he was like on call, like you know. So

0:37:34.640 --> 0:37:37.760
<v Speaker 1>he was like cause he was like on call like handyman,

0:37:38.080 --> 0:37:40.960
<v Speaker 1>so he was like, hey, I lived for free. I

0:37:41.000 --> 0:37:43.279
<v Speaker 1>could get this big, shiny new car. He didn't have

0:37:43.360 --> 0:37:46.680
<v Speaker 1>great credit, so they probably finagled, you know how it is.

0:37:46.920 --> 0:37:48.880
<v Speaker 1>They twisted turn and they finago and you get a

0:37:48.880 --> 0:37:53.279
<v Speaker 1>co signer and somehow you get to nine hundred a

0:37:53.360 --> 0:37:55.640
<v Speaker 1>whole dollars a month. I remember being like, I've never

0:37:55.640 --> 0:37:57.680
<v Speaker 1>even heard of that before, and then I was like,

0:37:57.760 --> 0:38:00.839
<v Speaker 1>so on top of that, you're paying insurance, so you're

0:38:00.920 --> 0:38:05.720
<v Speaker 1>paying a full mortgage payment for this brand new big

0:38:05.760 --> 0:38:08.640
<v Speaker 1>truck that you're driving. So like, aside from the fact

0:38:08.640 --> 0:38:10.600
<v Speaker 1>that she was a co signer, I was like, something

0:38:10.640 --> 0:38:12.200
<v Speaker 1>has to give. And I remember he fought me on

0:38:12.320 --> 0:38:13.520
<v Speaker 1>it at first because he was like, no, I can't

0:38:13.520 --> 0:38:15.160
<v Speaker 1>afford It's not like to have to pay rent, I said,

0:38:15.160 --> 0:38:17.960
<v Speaker 1>but one day you might then how will you afford both?

0:38:18.880 --> 0:38:21.400
<v Speaker 1>And thankfully, you know, it was more so the girlfriend

0:38:21.400 --> 0:38:22.799
<v Speaker 1>thing that made him give it up, because I was like,

0:38:22.800 --> 0:38:24.880
<v Speaker 1>I can't be your girlfriend, and this girlfriend is co

0:38:24.960 --> 0:38:26.879
<v Speaker 1>signed because she's using it as a reason to stay

0:38:26.880 --> 0:38:30.600
<v Speaker 1>in your life, and that's not happening. And so he

0:38:30.760 --> 0:38:36.920
<v Speaker 1>volunteerly had his card repode and he had to pay

0:38:36.960 --> 0:38:39.439
<v Speaker 1>the balance. I forget what it was. I think maybe

0:38:39.480 --> 0:38:41.200
<v Speaker 1>it was just a few thousand dollars. So you want

0:38:41.200 --> 0:38:43.319
<v Speaker 1>to you want to see, there's two ways you can

0:38:43.400 --> 0:38:46.279
<v Speaker 1>do it. You can either give the car back to

0:38:47.080 --> 0:38:49.879
<v Speaker 1>you know, the dealership or wherever you got it, or

0:38:49.960 --> 0:38:54.239
<v Speaker 1>you could see if you can sell it for an

0:38:54.280 --> 0:38:56.719
<v Speaker 1>amount that's even more than what you would give it

0:38:56.760 --> 0:38:58.799
<v Speaker 1>back to. So if you could find somebody, let's just

0:38:58.800 --> 0:39:03.640
<v Speaker 1>say they say the car is, you owe fifteen thousand,

0:39:04.160 --> 0:39:06.480
<v Speaker 1>And if you give the car back and they say

0:39:06.520 --> 0:39:09.359
<v Speaker 1>that they'll take they'll give you ten. That means you're

0:39:09.400 --> 0:39:12.440
<v Speaker 1>gonna owe five. But let's just say you're able to

0:39:12.520 --> 0:39:15.520
<v Speaker 1>sell it for twelve and obviously that's probably a better look.

0:39:15.800 --> 0:39:17.840
<v Speaker 1>That way, you can then give that twelve thousand dollars

0:39:17.840 --> 0:39:21.640
<v Speaker 1>back to whoever you owe it to. So, but I

0:39:21.640 --> 0:39:24.920
<v Speaker 1>don't believe did he sell his No. I think he

0:39:25.040 --> 0:39:26.799
<v Speaker 1>just like voluntarily gave it back and just paid off

0:39:26.840 --> 0:39:31.640
<v Speaker 1>the balance. And did it affect his credit, yes, but

0:39:31.760 --> 0:39:33.719
<v Speaker 1>honestly not that long. I mean, you're not gonna be

0:39:33.760 --> 0:39:36.000
<v Speaker 1>able to buy a house in like six months. That's

0:39:36.000 --> 0:39:38.680
<v Speaker 1>what you're looking for, you know, because he did all

0:39:38.680 --> 0:39:41.279
<v Speaker 1>these other things to raise his credit up with my help,

0:39:41.360 --> 0:39:44.160
<v Speaker 1>like you know, pay down your credit cards, pay on time,

0:39:44.239 --> 0:39:46.520
<v Speaker 1>all this kind of stuff, and so his credit score

0:39:46.960 --> 0:39:50.000
<v Speaker 1>is well in the mid seven hundreds. And you know

0:39:50.080 --> 0:39:52.759
<v Speaker 1>that was maybe like I don't know, like but it

0:39:53.000 --> 0:39:54.719
<v Speaker 1>got to mid seven hundreds maybe like a year or

0:39:54.800 --> 0:39:57.880
<v Speaker 1>so after him giving back the car. So it was

0:39:57.960 --> 0:40:01.000
<v Speaker 1>worth it because sure enough a year or later, they

0:40:01.000 --> 0:40:02.239
<v Speaker 1>were like, yeah, we no longer gonna need you to

0:40:02.280 --> 0:40:04.920
<v Speaker 1>be on call. You have me right now. And I

0:40:05.040 --> 0:40:07.360
<v Speaker 1>was like, you're welcome, and now we're married.

0:40:08.480 --> 0:40:10.920
<v Speaker 2>Yeah, you never right, You may be able to just

0:40:10.960 --> 0:40:13.800
<v Speaker 2>afford it now, but you never know what's going to happen. Yes,

0:40:14.600 --> 0:40:18.480
<v Speaker 2>the one thing I'll add to that is that what

0:40:18.600 --> 0:40:20.440
<v Speaker 2>was the one thing I was going to add to that? Okay,

0:40:20.480 --> 0:40:23.560
<v Speaker 2>So she asks what's she's concerned? So she wants to

0:40:23.560 --> 0:40:25.160
<v Speaker 2>buy a house. She's wondering if this is going to

0:40:25.239 --> 0:40:27.800
<v Speaker 2>hurt her credit. But another thing to consider is that

0:40:27.880 --> 0:40:30.600
<v Speaker 2>your debt to income ratio is a huge factor in

0:40:30.640 --> 0:40:32.600
<v Speaker 2>determining whether or not a lender will approve you for

0:40:32.640 --> 0:40:35.439
<v Speaker 2>a mortgage. And if you have this massive car note

0:40:35.520 --> 0:40:38.800
<v Speaker 2>on your on your income or sorry, on your debt sheet,

0:40:39.760 --> 0:40:41.920
<v Speaker 2>or whatever the lender looks at, this is going to

0:40:42.040 --> 0:40:44.040
<v Speaker 2>hurt you, probably just as much as a credit score,

0:40:44.080 --> 0:40:47.080
<v Speaker 2>a low credit score would, if not more. I would

0:40:47.080 --> 0:40:49.959
<v Speaker 2>say so, I would say, that's just all the more

0:40:50.960 --> 0:40:53.400
<v Speaker 2>encouragement to get rid of the debt as soon as possible.

0:40:53.440 --> 0:40:55.200
<v Speaker 2>And I mean, I don't know how you're going to

0:40:55.239 --> 0:40:57.480
<v Speaker 2>save for a down payment if you've also got this

0:40:57.560 --> 0:41:00.560
<v Speaker 2>six hundred dollars car note that you say you can't afford.

0:41:00.680 --> 0:41:04.480
<v Speaker 2>So I think getting this car off your back as

0:41:04.520 --> 0:41:07.719
<v Speaker 2>soon as you can, as wisely as you can, is

0:41:07.719 --> 0:41:10.680
<v Speaker 2>probably the right answer, she says. She says, I can't

0:41:10.680 --> 0:41:13.439
<v Speaker 2>get it refinanced because the balance is too high. That's

0:41:13.480 --> 0:41:16.919
<v Speaker 2>probably because the the remaining balance on her car note

0:41:16.960 --> 0:41:20.399
<v Speaker 2>is worth more than the car. I think that if

0:41:20.440 --> 0:41:24.399
<v Speaker 2>you are if you take the loss, which you're gonna

0:41:24.440 --> 0:41:26.400
<v Speaker 2>have to do either way, if you sell the car,

0:41:26.480 --> 0:41:28.839
<v Speaker 2>if you get it repossessed voluntarily, you'll have to take

0:41:28.880 --> 0:41:31.000
<v Speaker 2>a loss, and oh the lender or something left over

0:41:32.520 --> 0:41:35.000
<v Speaker 2>if you if another option is maybe get a loan

0:41:35.120 --> 0:41:37.680
<v Speaker 2>from a friend or a family member to maybe pay

0:41:37.719 --> 0:41:41.200
<v Speaker 2>it off enough so that you can refinance or pay it,

0:41:41.239 --> 0:41:43.440
<v Speaker 2>you know, help you cover the balance of whatever is

0:41:43.520 --> 0:41:47.400
<v Speaker 2>left after a voluntary repo or after you sell the car.

0:41:48.160 --> 0:41:50.800
<v Speaker 2>It's just it's like, there's not going to be a nice,

0:41:50.880 --> 0:41:54.200
<v Speaker 2>neat sort of like answer here where you're gonna end

0:41:54.280 --> 0:41:55.799
<v Speaker 2>up with no debt at the end of it. But

0:41:57.040 --> 0:41:59.000
<v Speaker 2>I feel like the sooner you do this, the better

0:42:00.719 --> 0:42:04.560
<v Speaker 2>than keeping this really expensive car. Note, I guess the

0:42:04.600 --> 0:42:08.560
<v Speaker 2>next question is like getting it repossessed or selling it.

0:42:08.600 --> 0:42:11.640
<v Speaker 2>I mean, how is she going to get around after that?

0:42:11.680 --> 0:42:14.719
<v Speaker 2>She'll have to she'll have to get another car, take

0:42:14.719 --> 0:42:16.840
<v Speaker 2>the prof check the profit from whatever you sell the

0:42:16.880 --> 0:42:19.080
<v Speaker 2>car for, and buy a car that's less than that.

0:42:19.120 --> 0:42:21.520
<v Speaker 1>I guess there might not even be a profit, So

0:42:21.560 --> 0:42:23.040
<v Speaker 1>you have to think about that, like, what does it

0:42:23.080 --> 0:42:23.520
<v Speaker 1>look like.

0:42:23.480 --> 0:42:26.520
<v Speaker 2>So well that's true, yeah, yeah, she's underwater. Yeah you know.

0:42:27.040 --> 0:42:29.799
<v Speaker 1>So we only had one car for a while as

0:42:29.840 --> 0:42:32.520
<v Speaker 1>a result. And then he saved up some money I think,

0:42:32.640 --> 0:42:34.680
<v Speaker 1>and ended up buying a car like a like a

0:42:34.840 --> 0:42:36.560
<v Speaker 1>you know, a used car for thirty five hundred that

0:42:36.600 --> 0:42:39.319
<v Speaker 1>he drove for a while. It wasn't ideal, but it

0:42:39.360 --> 0:42:41.319
<v Speaker 1>was like it was cash. But you know, that took

0:42:41.320 --> 0:42:44.280
<v Speaker 1>a little while and thankfully we had a two car household,

0:42:44.680 --> 0:42:47.560
<v Speaker 1>so it was it wasn't super easy, but it wasn't

0:42:47.760 --> 0:42:50.200
<v Speaker 1>like impossible. So you want to ask yourself that as well,

0:42:50.640 --> 0:42:51.960
<v Speaker 1>because what you don't want to do, because this is

0:42:51.960 --> 0:42:54.400
<v Speaker 1>what they often suggests, is like, oh, well, well we

0:42:54.440 --> 0:42:56.360
<v Speaker 1>could you know, we could roll you over into a

0:42:56.400 --> 0:42:59.640
<v Speaker 1>different car, and you're still gonna oh, you know, so

0:42:59.640 --> 0:43:01.120
<v Speaker 1>don't let them convince you of that.

0:43:01.680 --> 0:43:05.719
<v Speaker 2>And traded in. That's like the same thing, right, trading in, and.

0:43:05.680 --> 0:43:07.839
<v Speaker 1>Don't try to convince you of that. And you don't

0:43:07.880 --> 0:43:10.280
<v Speaker 1>want to be repossessed either, because you can't afford it,

0:43:10.400 --> 0:43:15.480
<v Speaker 1>like like voluntarily, like giving your car back. It's not great,

0:43:15.520 --> 0:43:17.480
<v Speaker 1>but it's still better than for them to come and

0:43:17.520 --> 0:43:19.080
<v Speaker 1>take it because you miss payin it.

0:43:19.800 --> 0:43:24.560
<v Speaker 2>Yeah, that's a really common problem today, So don't feel bad, Shonda,

0:43:25.040 --> 0:43:40.600
<v Speaker 2>Yeah it is. And thanks for submitting your question. Another question.

0:43:41.760 --> 0:43:43.480
<v Speaker 2>I think we'll end it there. We have eleven minutes.

0:43:45.160 --> 0:43:46.800
<v Speaker 2>I'm trying to get you those cookies, man.

0:43:46.960 --> 0:43:48.640
<v Speaker 1>I know, So for those of you who don't know

0:43:48.760 --> 0:43:52.240
<v Speaker 1>I'm trying to get to my vegan cookies from Whole Foods,

0:43:52.280 --> 0:43:55.560
<v Speaker 1>and Whole Foods closes, you know, not soon, but you

0:43:55.600 --> 0:43:57.160
<v Speaker 1>stood it up. So I told Mandy, I've kind of

0:43:57.160 --> 0:43:59.120
<v Speaker 1>got a hard stop for a good reason, because these

0:43:59.200 --> 0:44:02.000
<v Speaker 1>vegan cookies have been my mind. And I'm babysitting my

0:44:02.200 --> 0:44:04.879
<v Speaker 1>niece tomorrow. She's seven months and I feel like I'm

0:44:04.880 --> 0:44:06.640
<v Speaker 1>going to need a cookie break at some point, so

0:44:06.719 --> 0:44:07.600
<v Speaker 1>I want to be prepared.

0:44:10.800 --> 0:44:12.200
<v Speaker 2>Babysitting tips by Tiffany.

0:44:12.560 --> 0:44:14.480
<v Speaker 1>Yes, cookies on hands.

0:44:14.760 --> 0:44:17.640
<v Speaker 2>Oh man. Luckily, no one's asked me to babysit. They're

0:44:17.840 --> 0:44:20.359
<v Speaker 2>small infant, so more power to you. I mean, she's

0:44:20.400 --> 0:44:21.840
<v Speaker 2>your niece, so you kind of signed up for that.

0:44:22.320 --> 0:44:24.760
<v Speaker 1>Yeah, exactly, oh man.

0:44:24.880 --> 0:44:26.760
<v Speaker 2>All right, how about some wins?

0:44:27.480 --> 0:44:31.600
<v Speaker 1>Yes? Lot? So do you want to go first?

0:44:31.840 --> 0:44:33.440
<v Speaker 2>I'd love to go first. I need to throw I

0:44:33.520 --> 0:44:36.000
<v Speaker 2>need to throw a shout out to a fellow Mandy

0:44:36.040 --> 0:44:38.680
<v Speaker 2>in the world. You don't see them too often. So

0:44:38.880 --> 0:44:41.920
<v Speaker 2>I read this story about this entrepreneur named Mandy Bowen

0:44:42.320 --> 0:44:46.279
<v Speaker 2>Bowman sorry Bowman, who wanted to make buying black a

0:44:46.280 --> 0:44:48.759
<v Speaker 2>lot easier. I know we got this question a while back, like,

0:44:49.160 --> 0:44:51.680
<v Speaker 2>do you recommend shopping or how do you find Like,

0:44:51.800 --> 0:44:54.520
<v Speaker 2>we want to support minority own businesses, black owned businesses,

0:44:54.520 --> 0:44:57.680
<v Speaker 2>but like how do we find them? This young lady

0:44:58.440 --> 0:45:02.120
<v Speaker 2>has created an app called Official Black Wall Street, which

0:45:02.200 --> 0:45:04.799
<v Speaker 2>is an app that will alert you when you're near

0:45:05.040 --> 0:45:08.879
<v Speaker 2>by any black owned businesses. And of course, the whole

0:45:08.880 --> 0:45:12.640
<v Speaker 2>emphasis is that she wants to give quality businesses more

0:45:12.680 --> 0:45:15.920
<v Speaker 2>exposure and to help customers spend their money within the

0:45:15.920 --> 0:45:19.160
<v Speaker 2>black community. And I just saw it. This was awesome,

0:45:19.200 --> 0:45:20.280
<v Speaker 2>So shout out to Mandy.

0:45:21.000 --> 0:45:24.240
<v Speaker 1>Yes, Mandy, you're right. You don't see too many Mandy's

0:45:24.239 --> 0:45:27.400
<v Speaker 1>out there in the world. So my shout out actually

0:45:27.440 --> 0:45:29.960
<v Speaker 1>goes to a fellow Wave member. Her name is Yvonne

0:45:30.000 --> 0:45:34.960
<v Speaker 1>og aka Molly from Insecure. Woop woop, hey girl. She

0:45:35.080 --> 0:45:37.400
<v Speaker 1>just got nominated for an NAACP Award.

0:45:37.600 --> 0:45:44.360
<v Speaker 2>They all did they yes, And yeah, yeah, I just

0:45:44.440 --> 0:45:45.160
<v Speaker 2>saw that. Awesome.

0:45:45.400 --> 0:45:47.280
<v Speaker 1>Yeah, so I just was like, whoop, whoop, whoop whoop,

0:45:47.760 --> 0:45:50.440
<v Speaker 1>just to see, like, you know, just I got to like,

0:45:50.760 --> 0:45:53.000
<v Speaker 1>I mean, of course we're connected via or WhatsApp check,

0:45:53.080 --> 0:45:55.200
<v Speaker 1>but to like, you know, because I never met her

0:45:55.239 --> 0:45:58.480
<v Speaker 1>in person, although we were just cool online, and so

0:45:58.719 --> 0:46:01.640
<v Speaker 1>just to kind of like hear her story and she's awesome,

0:46:01.680 --> 0:46:03.400
<v Speaker 1>like she I didn't realize that she really started her

0:46:03.400 --> 0:46:05.560
<v Speaker 1>career as a comedian and she's doing way more stand

0:46:05.680 --> 0:46:09.200
<v Speaker 1>up and stuff now. So I think she's doing something

0:46:09.239 --> 0:46:11.279
<v Speaker 1>at the Barclay Center and Carolines and stuff like that.

0:46:11.360 --> 0:46:14.760
<v Speaker 1>But just to see her like evolution is just dope

0:46:15.400 --> 0:46:17.600
<v Speaker 1>to see and just how chill and how cool and

0:46:17.600 --> 0:46:20.799
<v Speaker 1>how funny as hex she was. And so just to

0:46:20.960 --> 0:46:22.400
<v Speaker 1>you know, I just want to give a little shot.

0:46:22.560 --> 0:46:25.200
<v Speaker 1>I didn't realize they all did. But either way, Hey,

0:46:25.239 --> 0:46:29.400
<v Speaker 1>Wave's girl, Congratulations to you and to your whole cast,

0:46:29.960 --> 0:46:34.040
<v Speaker 1>because Insecure certainly deserves it. I love that you are

0:46:34.640 --> 0:46:39.480
<v Speaker 1>collectively changing the conversation about you know what it is

0:46:39.520 --> 0:46:43.480
<v Speaker 1>to be like Brown. You know that we have regular lives.

0:46:43.520 --> 0:46:45.279
<v Speaker 1>It doesn't always have to be filled with strife and

0:46:45.800 --> 0:46:47.520
<v Speaker 1>crime and this and that, you know what I mean.

0:46:47.560 --> 0:46:49.920
<v Speaker 1>Like Insecure is just like regular life happening. You know.

0:46:50.040 --> 0:46:51.400
<v Speaker 2>I love it. I miss it. So I was just

0:46:51.440 --> 0:46:54.200
<v Speaker 2>thinking how much I missed it the other day when

0:46:54.200 --> 0:46:55.919
<v Speaker 2>I was watching looking for something to watch. I can't

0:46:55.920 --> 0:46:59.680
<v Speaker 2>wait for it to come back. Love it. Yeah, And

0:46:59.719 --> 0:47:04.120
<v Speaker 2>so Lena Waite from She's that One. She's the writer

0:47:04.160 --> 0:47:06.239
<v Speaker 2>who wrote the episode and Master of None that won

0:47:06.280 --> 0:47:08.440
<v Speaker 2>the what do they win? The Golden Globe for the

0:47:08.480 --> 0:47:12.840
<v Speaker 2>episode about coming out to your family at Thanksgiving and

0:47:12.880 --> 0:47:15.000
<v Speaker 2>they were nominated for NAACP Award two.

0:47:15.440 --> 0:47:23.480
<v Speaker 1>Yeah, Hey insecure, Hey insecure. Oh I feel good. I

0:47:23.520 --> 0:47:26.919
<v Speaker 1>feel very well rested now because.

0:47:27.560 --> 0:47:29.840
<v Speaker 2>I know you did seem a little haggard the last episode.

0:47:30.320 --> 0:47:32.759
<v Speaker 1>I was so haggard. I mean, like, thank goodness, like

0:47:32.800 --> 0:47:35.600
<v Speaker 1>you know, Patrice was just awesome. But like before that,

0:47:35.760 --> 0:47:37.319
<v Speaker 1>like the last couple of weeks, I have been like

0:47:37.719 --> 0:47:39.640
<v Speaker 1>I don't know my name, who am I? And I

0:47:39.680 --> 0:47:41.600
<v Speaker 1>feel like this has been the first time in a

0:47:41.600 --> 0:47:43.920
<v Speaker 1>few weeks, and I'm like, you know what I mean,

0:47:43.920 --> 0:47:45.279
<v Speaker 1>there is a lot of work to do, but I

0:47:45.320 --> 0:47:47.719
<v Speaker 1>don't feel like I am literally sinking and quick saying.

0:47:47.760 --> 0:47:50.840
<v Speaker 1>I feel like, you know, it's gonna get done. I

0:47:50.880 --> 0:47:52.440
<v Speaker 1>can't wait. Because all day and while it was just

0:47:52.520 --> 0:47:55.760
<v Speaker 1>me and the baby, and I had a choice between

0:47:55.880 --> 0:47:58.640
<v Speaker 1>my two year old nephew or my seventy seven month

0:47:58.719 --> 0:48:01.080
<v Speaker 1>old baby, and I wasn't sure which would you have chosen?

0:48:01.680 --> 0:48:07.360
<v Speaker 2>Uh? And uh two seven year old seven month old baby?

0:48:07.520 --> 0:48:09.279
<v Speaker 1>That's what I was thinking. I was like, ooh, because

0:48:09.280 --> 0:48:12.320
<v Speaker 1>he's fun because we play, but then he never stops.

0:48:12.560 --> 0:48:14.399
<v Speaker 2>Yeah, the two year olds, they can run, they can

0:48:14.600 --> 0:48:17.320
<v Speaker 2>pull things down, they can stick their fingers into sockets

0:48:17.400 --> 0:48:18.200
<v Speaker 2>like they're a hazard.

0:48:18.840 --> 0:48:20.560
<v Speaker 1>And then but then the baby, you never know. She's

0:48:20.600 --> 0:48:22.480
<v Speaker 1>a happy baby, but then you're like, ooh, but what

0:48:22.560 --> 0:48:24.239
<v Speaker 1>is she ends up being fussy because then they never

0:48:24.239 --> 0:48:27.879
<v Speaker 1>stop crying, and you're like, what do I do? Just yeah,

0:48:27.920 --> 0:48:29.520
<v Speaker 1>so I just said, you know what, I'm gonna take

0:48:29.560 --> 0:48:32.080
<v Speaker 1>my because at least there's definitely naps in the horizon

0:48:32.160 --> 0:48:34.520
<v Speaker 1>with her. With him, he's like, I refuse to sleep.

0:48:34.719 --> 0:48:37.560
<v Speaker 1>So yeah, so I'll you know, I'll give you guys

0:48:37.600 --> 0:48:40.359
<v Speaker 1>a little update on that. You know how that went.

0:48:40.400 --> 0:48:43.680
<v Speaker 1>If I survived and we could talk about Thanksgiving? Oh yeah,

0:48:43.680 --> 0:48:47.080
<v Speaker 1>happy Thanksgiving, everybody. You know this will be out right

0:48:47.120 --> 0:48:49.680
<v Speaker 1>before enjoy and each of your heart's content.

0:48:50.120 --> 0:48:53.160
<v Speaker 2>Yes, ma'am, Happy Thanksgiving. Forget your diets, I know I have.

0:48:54.680 --> 0:48:56.440
<v Speaker 1>I can't even eat No, I can't even eat me.

0:48:56.480 --> 0:48:57.880
<v Speaker 1>I'm afraid of what my stomach will do to me,

0:48:57.960 --> 0:48:59.480
<v Speaker 1>but I certainly will smell it.

0:48:59.520 --> 0:49:01.759
<v Speaker 2>Turkey's worth it. Keep on with your veganism.

0:49:04.120 --> 0:49:06.319
<v Speaker 1>On that note, we've made it cookies for me.

0:49:07.200 --> 0:49:11.160
<v Speaker 2>Okay, have you Thanksgiving everybody? Go Check us out on Facebook,

0:49:11.200 --> 0:49:14.719
<v Speaker 2>leave us a review on iTunes, Tell your husband, tell

0:49:14.760 --> 0:49:17.400
<v Speaker 2>your wife, tell your friends about the show. Thank you

0:49:17.440 --> 0:49:22.840
<v Speaker 2>for your support. Yes, you'll get your cookies.