WEBVTT - BA Q and A: What's Zombie Debt?

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<v Speaker 1>Hey, hey, hey, it's time for b a q A. Hey, okay,

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<v Speaker 1>it's time for b a q wait, come on, many, hey, hey,

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<v Speaker 1>it's time for any.

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<v Speaker 2>Till you left my tab, I don't know what you're doing.

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<v Speaker 2>Oh there you are.

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<v Speaker 1>So for those who don't know, me and Mandy are

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<v Speaker 1>testing out this video thing. No, you can't see us,

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<v Speaker 1>but I can see her. So I was trying to

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<v Speaker 1>get her to do the bomb. I'm like, come on, Manny,

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<v Speaker 1>come on, come on, show me, show me that.

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<v Speaker 2>Bob I was lost in tab purgatory.

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<v Speaker 1>What is it?

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<v Speaker 2>It's like that part when I almost forget what the

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<v Speaker 2>next the next move in the wobble is and you're

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<v Speaker 2>kind of looking.

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<v Speaker 1>Over wait, yeah, get in there. Well it's time for

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<v Speaker 1>b a q A. And we got some awesome questions.

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<v Speaker 1>But if you have questions, mayby, how can the people

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<v Speaker 1>ask questions? Oh?

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<v Speaker 2>How can't you ask questions? You can? You can go

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<v Speaker 2>to brandambispodcast dot com and click ask us anything. You

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<v Speaker 2>can also hit us up on Instagram at brand Ambission Podcast,

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<v Speaker 2>on the Gram and slide into our DMS and let's

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<v Speaker 2>see email. You can hit us up brand Ambition Podcast

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<v Speaker 2>at gmail dot com with your questions, try to make

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<v Speaker 2>them detailed. You don't have to say your name. You

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<v Speaker 2>can stay anonymous. We're happy to call you whatever alias

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<v Speaker 2>you prefer. So who knows, try out a do name

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<v Speaker 2>with our show. But we love to get y'all's questions.

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<v Speaker 1>Okay, so first question you want me to read it?

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<v Speaker 2>Yes? Please?

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<v Speaker 1>Okay, it's from Brian, he says, Hey, First, thank you

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<v Speaker 1>so much forather you do for our community, New Welks.

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<v Speaker 1>My question is about the statute of limitations slash the

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<v Speaker 1>zombie debt. I read your article about how to settle

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<v Speaker 1>your credit card debt, and I have some questions about

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<v Speaker 1>the statute of limitations for debt collection. Does that statute

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<v Speaker 1>of limitations change if you move from one state to

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<v Speaker 1>another or does the original state in which you open

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<v Speaker 1>the account supersede your current state of residence?

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<v Speaker 2>Bryant, Yeah, well zombie debt.

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<v Speaker 1>So yeah, so let's explain zombie debt.

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<v Speaker 2>Let's do it. So, zombie debt occurs. So something you

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<v Speaker 2>may not realize is when you so let's say you

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<v Speaker 2>run up a credit card and you don't pay it off.

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<v Speaker 2>There's several things that happen over a long period of time.

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<v Speaker 2>Eventually What may happen is that you're so delinquent that

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<v Speaker 2>the credit card issuer or the debt collector just charges

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<v Speaker 2>it off and that goes on your credit report, is

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<v Speaker 2>a charge off, and it's not good for your credit.

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<v Speaker 2>And then they may send it to a collector who

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<v Speaker 2>will try to pursue that debt. And in each state

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<v Speaker 2>they have a specific window of time, a window of

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<v Speaker 2>opportunity when lenders or debt collectors can actually sue you

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<v Speaker 2>to recoup that debt. And this is important. It means

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<v Speaker 2>the time in which they can sue you to recoup

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<v Speaker 2>that debt. And once that statute of limitations has passed,

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<v Speaker 2>they technically can't sue you. They can still pursue, and

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<v Speaker 2>do they ever try. They definitely will try, but technically

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<v Speaker 2>they don't have the legal authority at that point to

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<v Speaker 2>actually sue you. So what that means for you, So,

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<v Speaker 2>if you have a super old debt that was charged

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<v Speaker 2>off forever ago, and you get a phone call and

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<v Speaker 2>they're like, hey, we want you to make a payment,

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<v Speaker 2>just one dollar, just ten dollars on this old account,

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<v Speaker 2>if that has passed the statute of limitations in your state,

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<v Speaker 2>there's technically no benefit to you giving them money. In fact,

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<v Speaker 2>if you do give them money, what it can do

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<v Speaker 2>is resurrect that debt. Then it breathes new. It's like

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<v Speaker 2>it's like infecting a zombie or how do zombies turn

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<v Speaker 2>into zombies? Who knows?

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<v Speaker 1>Whatever they buye So it basically is a zombie bite you.

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<v Speaker 1>And now yeah, it basically statute of limitation. It starts

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<v Speaker 1>back over. So in New Jersey, New York, like the

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<v Speaker 1>statute of limitation of evolving debt, meaning like credit card

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<v Speaker 1>debt is six years. So if it's your seven and

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<v Speaker 1>it's like oh and you don't realize and you pay

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<v Speaker 1>that one dollar, then literally it can start back at

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<v Speaker 1>year zero again and work its way back up. So

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<v Speaker 1>just be mindful. So just so you guys know, that's

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<v Speaker 1>what it is. And so Brian, no, whatever whatever state

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<v Speaker 1>that you incurred that in, it stays there. It doesn't

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<v Speaker 1>because technically you can go from a state with, you know,

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<v Speaker 1>a six year statute limitation to a state with three

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<v Speaker 1>year and be like wooo, sorry Nanna and boo boo.

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<v Speaker 1>So they're like, no, wherever you started, that's that's where

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<v Speaker 1>it is. So it won't.

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<v Speaker 2>It won't.

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<v Speaker 1>It's with the original state where you opened up the account.

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<v Speaker 1>It doesn't supersede. It's not about your current residence if

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<v Speaker 1>you've moved. If you open that account when you're in Jersey,

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<v Speaker 1>it's with Jersey, and then if you go to you know, California,

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<v Speaker 1>it's still Jersey.

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<v Speaker 2>Brian's on the run, Brian, next, like you bos a

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<v Speaker 2>question for a friend.

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<v Speaker 1>Proximo we Spanish?

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<v Speaker 2>Okay, Hey hey, oh look at this morning.

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<v Speaker 1>They say, hey, hey, just like me. Hey, hey, hey,

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<v Speaker 1>Tifney and Mandy love you ladies, love you back? Keep

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<v Speaker 1>up this? Oh, let's you. I'm sorry, Mandy, I read

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<v Speaker 1>you read I read the last one. You could read

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<v Speaker 1>this one? My bad girl.

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<v Speaker 2>Oh thank you, you're so generous. All right? Hey hey, hey, hey,

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<v Speaker 2>Tiffany and Mandy love you ladies. I giggle right along

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<v Speaker 2>with y'all while taking notes. I have a question about

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<v Speaker 2>paying back debt currently. This is my debt, and she

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<v Speaker 2>goes on to list one, two, three, four, five, six

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<v Speaker 2>different types of debt line of credit, credit card, another

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<v Speaker 2>credit card, some kind of zero percent credit card. I

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<v Speaker 2>don't know, different accounts. Am I reading that right? So

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<v Speaker 2>basically what she's asking is should I concentrate and pay

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<v Speaker 2>off a line of credit that is accruing at seven

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<v Speaker 2>percent and my balance is ten five hundred dollars, Or

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<v Speaker 2>should I concentrate on paying down credit cards while they

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<v Speaker 2>are charging zero percent and two percent? So she has

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<v Speaker 2>a total of eleven thousand dollars on those two credit

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<v Speaker 2>cards which are charging zero percent and two percent, and

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<v Speaker 2>wants to know if she should prioritize those or a

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<v Speaker 2>line of credit at her bank which is charging seven

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<v Speaker 2>percent for a balance of ten So about the same

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<v Speaker 2>amount of money, but vastly different.

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<v Speaker 1>But pourquet, I see she has regular credit card. It

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<v Speaker 1>says twenty percent. We ain't gonna talk about that. It

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<v Speaker 1>looks like we talk about the wrong things, sister child,

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<v Speaker 1>We're gonna call you giggles. So she said, you're gonna giggle,

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<v Speaker 1>so giggles. I'm concerned that we're not mentioning that the

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<v Speaker 1>second item on your list says twenty percent credit card,

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<v Speaker 1>it's forty five hundred dollars. That would be my main

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<v Speaker 1>priority because it's that's expensive, giggles, that's pricing, you know.

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<v Speaker 1>So that's where I would put, quite honestly, where I

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<v Speaker 1>put my energy.

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<v Speaker 2>Yeah, I mean, just reading this kind of stresses me. Out,

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<v Speaker 2>and it makes me think of people who are kind

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<v Speaker 2>of juggling those multiple debts, and all you're doing is

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<v Speaker 2>kind of making your minimum payments and just staying above water.

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<v Speaker 2>So I commend you, Giggles for at least trying to strictrategically,

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<v Speaker 2>you know, attack this debt. So the two zero percent

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<v Speaker 2>interest cards that she has, those are zero percent until

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<v Speaker 2>twenty twenty two. So in my mind, set your set

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<v Speaker 2>a calendar alert even for March or April or sorry,

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<v Speaker 2>yeah late, it's like March and May next year, So

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<v Speaker 2>I would set a calendar alert for like February, just

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<v Speaker 2>to be sure that you don't miss and you want

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<v Speaker 2>to get back on top of those cards. Check the

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<v Speaker 2>on those zero percent offers. Check the fine print and

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<v Speaker 2>make sure that there's not a deferred interest clause, because

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<v Speaker 2>if there is, you may be sitting pretty until early

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<v Speaker 2>next year, but then get slapped with all the interest

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<v Speaker 2>that you would have been accruing if you leave money

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<v Speaker 2>on your if you leave a balance on those cards,

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<v Speaker 2>well let's see. I mean, I agree with Tiff. I

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<v Speaker 2>think that the smartest thing to do is order these

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<v Speaker 2>from most expensive to least and do your best to

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<v Speaker 2>attack them. So starting with that twenty percent credit card

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<v Speaker 2>and then moving on to your seventy percent interest.

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<v Speaker 1>Line credit, there's a thirteen yeah, number four.

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<v Speaker 2>Okay, this is interesting, Okay you are I'm confused why

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<v Speaker 2>you show these cards, That's what I guess.

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<v Speaker 1>I'm just I would love to know, like, what is

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<v Speaker 1>it about the line of credit that made you think

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<v Speaker 1>that you should I can understand the zero percent because

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<v Speaker 1>you're like, I can put all of my money that

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<v Speaker 1>I put toward it goes to the money goes to

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<v Speaker 1>the principle. So I can understand why you bring that up.

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<v Speaker 1>But what is it about the line of credit that

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<v Speaker 1>makes you think that you should pay that first versus

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<v Speaker 1>the twenty percent and the thirteen percent credit card? So

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<v Speaker 1>that's what I'm curious about. So I would focus on

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<v Speaker 1>the twenty then the thirteen. To Mandy's point, what will

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<v Speaker 1>that is? What will your zero percent cards be in

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<v Speaker 1>March and in May? If they're going to be like

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<v Speaker 1>thirty percent something crazy, then then I might rethink my strategy.

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<v Speaker 1>Or if it's not paid off, I have to pay

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<v Speaker 1>back all the interest from before, then my strategy might

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<v Speaker 1>be to focus on the zero percent cards. It depends

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<v Speaker 1>on what happens if there if it's not paid off

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<v Speaker 1>in full by March in May, if it's a I

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<v Speaker 1>think astronomical those cards first, if it's something not so bad,

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<v Speaker 1>twenty percent, then thirteen percent, then you know, whatever, the

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<v Speaker 1>the whatever. I would do my interest rates in order

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<v Speaker 1>from highest to lowest basically and.

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<v Speaker 2>Count those zero percent cards as their regular APR once

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<v Speaker 2>you check the fine print. Yeah, that's smart, that's smart.

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<v Speaker 2>I mean in general, having this many lines of credit

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<v Speaker 2>and credit cards kind of it just tells me there's

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<v Speaker 2>something underlying that's probably that's problematic with your cash flow.

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<v Speaker 2>So I would also say, really focus on bringing an

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<v Speaker 2>additional income, trying to find any way that you can

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<v Speaker 2>bring an extra income to really attack, you know, these debts,

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<v Speaker 2>so that you can get debt free. Because each card

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<v Speaker 2>balance isn't that insane?

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<v Speaker 1>Yeah, add it up.

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<v Speaker 2>When you add it up, that's I'm gonna do some

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<v Speaker 2>quick math. That's like fifteen k plus four, that's nineteen

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<v Speaker 2>plus five twenty four. That's like twenty five twenty six

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<v Speaker 2>thousand dollars in total. That's a lot to have on

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<v Speaker 2>all credit lines, which could be variable aprs and change

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<v Speaker 2>with the market. So you definitely want to get that

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<v Speaker 2>under control.

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<v Speaker 1>So make a little bit more tighten a belt, spend

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<v Speaker 1>a little bit less. Put it toward your expensive debt

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<v Speaker 1>especially first. Okay, giggles, we're gonna have you looking good.

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<v Speaker 1>It's ohpa's bank account, all right? Number three?

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<v Speaker 2>This primstracted thinking about her oprah's bank account.

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<v Speaker 1>This is from quotes Kia. Okay, hey, Kiya. She has

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<v Speaker 1>a question for her parents. They're planning to relocate to

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<v Speaker 1>another state within the next two years. They plan to

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<v Speaker 1>rent out their current home that still has a mortgage,

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<v Speaker 1>but they are trying to determine if they should dip

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<v Speaker 1>into their retirement accounts to pay off their current home

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<v Speaker 1>and then buy a new home in their new city

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<v Speaker 1>or simply rent in the new city. In either option,

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<v Speaker 1>they would rent out their current home for more than

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<v Speaker 1>enough to cover the mortgage. They're both six and fly,

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<v Speaker 1>I bet Kia and have about one million safe for retirement.

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<v Speaker 1>Oh they all fly and are five and ten years

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<v Speaker 1>away from retirement. Are they Because it's not like they're there.

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<v Speaker 1>There's about one hundred K left to pay on the house,

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<v Speaker 1>and they feel that paying this off will improve their

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<v Speaker 1>credit score, which is currently pretty low. And debt to

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<v Speaker 1>income ratio which is very high to due to student loans,

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<v Speaker 1>so they can qualify to buy a new house. I'm

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<v Speaker 1>concerned about them dipping into their retirement accounts. What do

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<v Speaker 1>you think they should do? Well, First of all, let's

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<v Speaker 1>give a round for falls to Kia's million dollars saving parents,

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<v Speaker 1>because that's not an easy thing. So you know, commend

0:11:42.960 --> 0:11:45.280
<v Speaker 1>your mama and pop up you know, papa about that

0:11:45.360 --> 0:11:49.319
<v Speaker 1>because that's awesome. And there's a lot here so to

0:11:49.440 --> 0:11:52.240
<v Speaker 1>really unpack. She's got parents, they have a million dollars

0:11:52.240 --> 0:11:55.040
<v Speaker 1>safe for retirement, boohoo. They do have a house that

0:11:55.120 --> 0:11:57.200
<v Speaker 1>they want to pay off, and they're like, it's about

0:11:57.200 --> 0:11:59.800
<v Speaker 1>one hundred thousand dollars. Do they go from one million

0:12:00.080 --> 0:12:02.720
<v Speaker 1>to nine hundred thousand to pay off the house? Because

0:12:03.040 --> 0:12:05.360
<v Speaker 1>this will hopefully want improve their credit score because they

0:12:05.360 --> 0:12:08.319
<v Speaker 1>want to buy another house, and I guess just not

0:12:08.520 --> 0:12:12.520
<v Speaker 1>having you know, that particular debt, or they can just

0:12:12.600 --> 0:12:15.080
<v Speaker 1>pay it off more naturally by renting out the house

0:12:15.160 --> 0:12:19.480
<v Speaker 1>and having someone else pay the mortgage via rent. I'll

0:12:19.520 --> 0:12:23.480
<v Speaker 1>say what I'm leaning toward, Kiki. If your parents were

0:12:23.720 --> 0:12:27.719
<v Speaker 1>you know, forty five, I might be like, you know what,

0:12:29.280 --> 0:12:32.679
<v Speaker 1>maybe I would dip a little sock maybe, but honestly,

0:12:32.840 --> 0:12:38.559
<v Speaker 1>not at sixty, not at sixty, especially since they can

0:12:38.760 --> 0:12:43.320
<v Speaker 1>rent and the renter will pay their mortgage. I feel

0:12:43.559 --> 0:12:47.880
<v Speaker 1>nervous about so close to retirement taking money out of

0:12:47.920 --> 0:12:51.280
<v Speaker 1>your retirement account that's not specifically for retirement. You know,

0:12:51.440 --> 0:12:53.520
<v Speaker 1>let the renter just pay off the mortgage. I mean,

0:12:53.840 --> 0:12:57.240
<v Speaker 1>and here's the thing, I don't even know at this age,

0:12:57.520 --> 0:12:58.760
<v Speaker 1>why do they need to buy a house.

0:12:58.920 --> 0:13:00.640
<v Speaker 2>I know I said that that's what I was gonna say.

0:13:01.440 --> 0:13:02.640
<v Speaker 2>Don't buy another house.

0:13:03.000 --> 0:13:06.080
<v Speaker 1>Go ahead, I know, I'm like, don't don't buy another house.

0:13:06.280 --> 0:13:08.559
<v Speaker 2>My dad is sixty. He is desperate to buy a

0:13:08.600 --> 0:13:10.599
<v Speaker 2>house right now. And I'm like, you don't have to,

0:13:11.240 --> 0:13:13.880
<v Speaker 2>but he just something about he wants I mean, helmes

0:13:13.880 --> 0:13:15.360
<v Speaker 2>are in where he wants to live in, like the

0:13:15.400 --> 0:13:18.839
<v Speaker 2>boon The Boonies of Georgia aren't that pricey. But you know,

0:13:21.280 --> 0:13:23.720
<v Speaker 2>first of all, do your parents want our advices? Michael,

0:13:23.880 --> 0:13:25.800
<v Speaker 2>I'm a little nervous. I'm like this woman. They don't

0:13:25.800 --> 0:13:27.000
<v Speaker 2>want to. They don't want to know what made you

0:13:27.080 --> 0:13:32.520
<v Speaker 2>take me? Then? Baby grown? They talk about yeah, but

0:13:33.000 --> 0:13:35.120
<v Speaker 2>I would say, like, if you're depends on what kind

0:13:35.120 --> 0:13:36.920
<v Speaker 2>of retirement they want. But you can have a you

0:13:36.960 --> 0:13:39.040
<v Speaker 2>can have a home that you rent. Yes, you know

0:13:39.160 --> 0:13:40.560
<v Speaker 2>you don't have to buy a house.

0:13:41.000 --> 0:13:44.680
<v Speaker 1>Yeah, it's a financial because here's the thing. Much mortgage

0:13:44.679 --> 0:13:47.719
<v Speaker 1>you're gonna get is between fifteen and thirty years. What

0:13:48.080 --> 0:13:49.559
<v Speaker 1>are we trying to Are we trying to owe for

0:13:49.559 --> 0:13:51.960
<v Speaker 1>the next fifteen years? No, you want to be footloose

0:13:52.000 --> 0:13:54.560
<v Speaker 1>and fancy free as sixty. I know your pop still

0:13:54.559 --> 0:13:56.199
<v Speaker 1>got it in him. Your mom's still dipping on a

0:13:56.280 --> 0:13:59.960
<v Speaker 1>dance floor. If it was me, no disrespect to your parents,

0:14:00.200 --> 0:14:02.280
<v Speaker 1>and I'd be like, hey, parents, I know, I'm like,

0:14:02.360 --> 0:14:04.640
<v Speaker 1>you know, you're like, girl, this baby's talking. But I

0:14:04.720 --> 0:14:06.760
<v Speaker 1>would be like, I'm going to rent in our new city.

0:14:07.200 --> 0:14:09.600
<v Speaker 1>I'm going to let someone else pay off my mortgage.

0:14:09.640 --> 0:14:11.960
<v Speaker 1>I ain't got to worry about it, and I'm going

0:14:12.080 --> 0:14:16.120
<v Speaker 1>to lean into the four percent rule for my million

0:14:16.200 --> 0:14:18.040
<v Speaker 1>dollars that I have saved. That four percent rule is

0:14:18.120 --> 0:14:21.360
<v Speaker 1>this is then on average, I know, the last year

0:14:21.520 --> 0:14:23.960
<v Speaker 1>the market has been crazy, but on average, if we

0:14:24.000 --> 0:14:26.120
<v Speaker 1>look over the last you know, one hundred years, the

0:14:26.200 --> 0:14:28.640
<v Speaker 1>market has yielded between like seven to ten percent, so

0:14:28.760 --> 0:14:32.280
<v Speaker 1>to be conservative, eight percent, the four percent rule is

0:14:32.360 --> 0:14:34.960
<v Speaker 1>that you have your money put up and you pull

0:14:35.000 --> 0:14:38.360
<v Speaker 1>out four percent a year, because it means that you'll

0:14:38.400 --> 0:14:41.760
<v Speaker 1>put pull out on typically less than what your money

0:14:41.840 --> 0:14:44.760
<v Speaker 1>has returned to you, and you'll never you'll never have

0:14:44.880 --> 0:14:46.560
<v Speaker 1>to dip into that one million, and you can live

0:14:46.640 --> 0:14:50.360
<v Speaker 1>off that four percent, you know. And so I would

0:14:50.400 --> 0:14:53.080
<v Speaker 1>be living off the four percent rule, keeping that million

0:14:53.120 --> 0:14:55.280
<v Speaker 1>dollars in the bank less somebody else pay my mortgage,

0:14:55.600 --> 0:14:58.360
<v Speaker 1>you know, renting a nice apartment. Because here's the thing

0:14:58.400 --> 0:15:01.640
<v Speaker 1>about apartment too. You ain't got to shovel. You don't

0:15:01.640 --> 0:15:05.000
<v Speaker 1>gotta what raake. Oh there's a leak. I'm sorry, mister

0:15:05.040 --> 0:15:08.560
<v Speaker 1>super you need to fix that. No, sir, I feel

0:15:08.640 --> 0:15:11.880
<v Speaker 1>like buying a home when you're younger makes more sense

0:15:11.920 --> 0:15:13.560
<v Speaker 1>when you're like having a kid and you want something

0:15:13.600 --> 0:15:16.920
<v Speaker 1>more stable whatever. But no, like if my parents' house

0:15:17.320 --> 0:15:19.200
<v Speaker 1>wasn't paid off, that was their plan that they were

0:15:19.240 --> 0:15:21.120
<v Speaker 1>gonna get a condo, you know, so they don't have

0:15:21.160 --> 0:15:23.120
<v Speaker 1>to worry about kind of like the household chore. So

0:15:23.720 --> 0:15:25.520
<v Speaker 1>that's what I wo suggest, Kia. But your parents are

0:15:25.520 --> 0:15:26.840
<v Speaker 1>grown and they're gonna do grown things.

0:15:27.760 --> 0:15:29.960
<v Speaker 2>Yeah, let us know how that goes. I want you

0:15:30.040 --> 0:15:32.800
<v Speaker 2>to sit down and say so mommy and daddy and

0:15:33.320 --> 0:15:35.120
<v Speaker 2>I tell you what my friends and Mandy and Tiffany

0:15:35.160 --> 0:15:36.320
<v Speaker 2>think you should do with your money.

0:15:40.120 --> 0:15:43.160
<v Speaker 1>She's gonna be like press play, no disrespect mister and

0:15:43.200 --> 0:15:46.600
<v Speaker 1>missus Kia. First of all, they're gonna be like, why

0:15:46.600 --> 0:15:48.720
<v Speaker 1>are you tell my business? Right?

0:15:49.560 --> 0:15:52.320
<v Speaker 2>Oh no, they don't want any of their any of

0:15:52.360 --> 0:15:55.800
<v Speaker 2>theirs out there. But I think this they've given you

0:15:55.880 --> 0:15:58.400
<v Speaker 2>a gift, which sounds like they're gonna be okay. So, yeah,

0:15:58.440 --> 0:15:59.600
<v Speaker 2>how is your finances?

0:15:59.720 --> 0:16:03.080
<v Speaker 1>Yeah? The house you focus on mom and dad?

0:16:03.120 --> 0:16:03.760
<v Speaker 2>You good girl.

0:16:07.560 --> 0:16:10.800
<v Speaker 1>I can only see her mom being like, meanwhile, me

0:16:10.880 --> 0:16:13.520
<v Speaker 1>and your daddy's good. Me and daddy good. But you're

0:16:13.520 --> 0:16:15.400
<v Speaker 1>over here asking to borrow five hundred dollars. You worry

0:16:15.400 --> 0:16:18.760
<v Speaker 1>about me and my retirement? Your parents? Yeah?

0:16:19.560 --> 0:16:23.800
<v Speaker 2>I was just like, why why do you worry? Kiya?

0:16:25.440 --> 0:16:28.040
<v Speaker 1>But honestly, k you being an awesome daughter. These questions

0:16:28.080 --> 0:16:30.000
<v Speaker 1>were awesome. I hope you like this ba QA.

0:16:30.120 --> 0:16:32.800
<v Speaker 2>I like this format right, and you too. I'm glad

0:16:32.840 --> 0:16:33.440
<v Speaker 2>we switched it in.

0:16:33.920 --> 0:16:37.160
<v Speaker 1>Yeah. Yeah, see so yes, we'll be doing the b

0:16:37.240 --> 0:16:40.320
<v Speaker 1>a QA every week. So if you have some QA

0:16:40.600 --> 0:16:45.280
<v Speaker 1>for the ba what you gotta do? Andy ask us.

0:16:45.400 --> 0:16:47.840
<v Speaker 2>Oh my boss, my bad, you served it. I dropped

0:16:47.880 --> 0:16:49.960
<v Speaker 2>the ball picking it back up. You can go to

0:16:50.000 --> 0:16:53.480
<v Speaker 2>Brandnivision podcast dot com dot ask us anything, or hit

0:16:53.560 --> 0:16:56.520
<v Speaker 2>us up on IG. I check my ig quite often

0:16:56.720 --> 0:16:59.440
<v Speaker 2>Brand and Vision Podcast. I probably will respond to your

0:16:59.440 --> 0:17:01.920
<v Speaker 2>message if you and this one just saying uh, send

0:17:01.960 --> 0:17:04.800
<v Speaker 2>us your question there or email us Brandonbission Podcast at

0:17:04.880 --> 0:17:05.959
<v Speaker 2>gmail dot com.

0:17:06.359 --> 0:17:09.160
<v Speaker 1>And one last favor poor for war. That means please

0:17:09.200 --> 0:17:13.800
<v Speaker 1>in Spanish. If you love the ba qa, and especially

0:17:13.800 --> 0:17:15.560
<v Speaker 1>if you have a friend that could quite hobnously use

0:17:15.600 --> 0:17:19.920
<v Speaker 1>the advice, please share the link to this podcast with

0:17:20.119 --> 0:17:23.600
<v Speaker 1>at least three friends coworkers, mom, dad, cousin, Auntie and them,

0:17:23.800 --> 0:17:27.960
<v Speaker 1>because we would really love to share our delicious brown

0:17:28.040 --> 0:17:30.920
<v Speaker 1>ambitiousness with the world. Yeah, you guys seem to be

0:17:31.040 --> 0:17:33.040
<v Speaker 1>enjoying the way we're doing the podcast now, so we

0:17:33.080 --> 0:17:35.000
<v Speaker 1>would just love even more people to listen and to

0:17:35.080 --> 0:17:38.240
<v Speaker 1>help more people. So share with at least three different people.

0:17:38.320 --> 0:17:40.360
<v Speaker 1>I promise you you won't regret it. We're gonna treat

0:17:40.359 --> 0:17:41.200
<v Speaker 1>them good, real.

0:17:41.080 --> 0:17:44.600
<v Speaker 2>Good to Superman just open the door and slam it.

0:17:44.920 --> 0:17:50.480
<v Speaker 1>Yes, I like bruh, I told you mondays Well, the

0:17:50.520 --> 0:17:52.760
<v Speaker 1>good thing is We ain't got to worry about that

0:17:52.800 --> 0:17:54.720
<v Speaker 1>because we're gonna be taping early. I'm doing the what

0:17:54.880 --> 0:17:56.920
<v Speaker 1>is this called the bogel like that? You know that's

0:17:57.119 --> 0:18:01.440
<v Speaker 1>I don't like, you know, think about mister me and

0:18:01.480 --> 0:18:02.480
<v Speaker 1>Madia both doing it like.

0:18:04.960 --> 0:18:05.159
<v Speaker 2>It is.

0:18:06.240 --> 0:18:08.159
<v Speaker 1>Let me buy the many got a little little rhythm.

0:18:08.440 --> 0:18:11.080
<v Speaker 2>Okay, man, you haven't seen you came to my wedding

0:18:11.240 --> 0:18:13.520
<v Speaker 2>way but entire.

0:18:13.359 --> 0:18:15.879
<v Speaker 1>But yes, I'm saying you didn't like that dancing like

0:18:16.000 --> 0:18:16.159
<v Speaker 1>you know?

0:18:17.119 --> 0:18:19.320
<v Speaker 2>Yes I dance, you should say. Me and Rio we

0:18:19.440 --> 0:18:19.840
<v Speaker 2>cut a ro.

0:18:21.560 --> 0:18:23.080
<v Speaker 1>With a little two step rhythm.

0:18:23.840 --> 0:18:28.840
<v Speaker 2>Now I thought you knew where I was from and

0:18:29.000 --> 0:18:33.640
<v Speaker 2>who I am. Not a person a little bit of money,

0:18:33.640 --> 0:18:34.320
<v Speaker 2>I could still.

0:18:34.200 --> 0:18:39.119
<v Speaker 1>Move, all right, Jenny from the block, all right? Until

0:18:39.200 --> 0:18:43.880
<v Speaker 1>next time. The a q A is out out by