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Speaker 1: Hey, hey, hey, just so you know, like each hey, my, my,

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Speaker 1: I do jazz hands, and each layer, my hands get

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Speaker 1: higher until they're all the way out and my fingers

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Speaker 1: are wiggling in the air. I just want to give

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Speaker 1: you a visual.

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Speaker 2: Oh that's a good visual. And just I know you

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Speaker 2: can't see me either, just know that I'm I'm taking

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Speaker 2: a knee right now.

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Speaker 1: Oh wow, Yeah, let's talk about that. Like that's a

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Speaker 1: really great way to open up. Hey, y'all.

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Speaker 2: Ambition, Happy Brown Ambition Wednesday. Yes, So this is one

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Speaker 2: of those news stories that seem to be unfolding over

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Speaker 2: the weekend, and I would catch a tweet here and there,

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Speaker 2: like a like a news alert here and there, and

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Speaker 2: I was like, what's happening. I don't really watch football,

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Speaker 2: but I remember all like the controversy with Calan Kaepernick

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Speaker 2: is how you say his name? I think so he

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Speaker 2: refused to he took the knee way back like last

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Speaker 2: season during all the you know and protest of police

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Speaker 2: violence against black blacks in America, Right, that was why

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Speaker 2: he did that then. And then apparently like he hasn't

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Speaker 2: been able to he hasn't been drafted this season, Like

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Speaker 2: no one wants to touch him and hire him, and

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Speaker 2: and then it just sort of like it seemed like

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Speaker 2: every day the story escalated and it got bigger and bigger,

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Speaker 2: and there's all these there's like these players. Now what

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Speaker 2: was a small problem. Trump came out as he does

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Speaker 2: with all his free time, to tweet and rally, his

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Speaker 2: bass calling. He even at a rally apparently referred to

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Speaker 2: people like Colin Kaepernick indirectly as a son of a bitch. Yeah, yeah,

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Speaker 2: our president, cool President Doulthart. You know, it's like when

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Speaker 2: you think he can't go possibly any lower, he just

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Speaker 2: exceeds the expectations.

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Speaker 1: He literally like literally you say to yourself, this man

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Speaker 1: can't go lower, and he says, get me a shovel.

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Speaker 1: I'll show you, like I'm.

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Speaker 2: Gonna dig this. I'm gonna dig this ditch all over.

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Speaker 1: All the way down to Korea and sit with their

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Speaker 1: president so we could talk about how we're both nuts

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Speaker 1: nuts though, mister man. No, honestly, it's just crazy to

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Speaker 1: me because you think to yourself, Okay, with all the

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Speaker 1: things that are happening with you know, Hurricane Irma, with

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Speaker 1: what's happening in Puerto Rico, with like you know, North

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Speaker 1: Korea with just like world events in general, for you

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Speaker 1: to take the time out of your busy comb over

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Speaker 1: schedule to like make comments about not just the NFL,

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Speaker 1: but the NBA. Did you see the comment he made

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Speaker 1: to Stephan Curry. No, So, Stephan Curry. You know he's

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Speaker 1: a guy with the super cute daughter, right, yeah, super

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Speaker 1: cute family. And so I guess they invited him to

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Speaker 1: the White House. I don't know if they want a

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Speaker 1: championship or whatever. For whatever reason, he was invited and

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Speaker 1: he declined. And so because our current president is a child,

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Speaker 1: he tweeted him, Stephen Curry, coming to the White House

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Speaker 1: is an honor. And because you're hesitating, your your your

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Speaker 1: invited is rescinded.

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Speaker 2: And I'm like, oh yeah, what He's like, well, you

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Speaker 2: can't come to my party. I uninvite you. Yes, you

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Speaker 2: can't come.

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Speaker 1: To my birthday party. You can't come. We're not even

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Speaker 1: present anymore. And You're like, what are you five?

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Speaker 2: Yeah? Literally, he has the he has the the temperament

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Speaker 2: of a five year old. This is what This is

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Speaker 2: the same thing. He's so predictable. This is the same

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Speaker 2: thing he did after the CEO of I forget which

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Speaker 2: company it was stepped down from his business council in

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Speaker 2: the wake of his comments or sorry lack of comments

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Speaker 2: after Charlotte'sville, and then that business owner was the CEO

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Speaker 2: was followed by a couple of other CEOs and he's like, oh,

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Speaker 2: you guys can't leave my business advice col. I'm just

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Speaker 2: banding the whole thing. There will be no Business Advisory

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Speaker 2: Council to leave. I mean, this is just like textbook

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Speaker 2: president mango face. Maybe I'll watch sports.

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Speaker 1: Now, Yeah, I just let Superman give me the recap.

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Speaker 1: Oh my gosh. So now that you know how people

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Speaker 1: say like like it was, they'll tell you like when

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Speaker 1: you like, if you're a book writer, you're they'll say,

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Speaker 1: you know, you think you know when you're writing the book,

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Speaker 1: it's the hardest part. They're like, ah, man, that's the

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Speaker 1: easiest part. It's what comes after. So now that we've

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Speaker 1: bought the house, it's the what comes after. Oh so,

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Speaker 1: so apparently you know so well one like we did. Uh,

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Speaker 1: so you know that the we haven't exchanged money for

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Speaker 1: the house. We had to do a title search, which

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Speaker 1: which just was clear today And apparently I didn't realize

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Speaker 1: with the title search, I thought it was just the home,

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Speaker 1: but apparently there's a title search on you, like who

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Speaker 1: do you owe? And I, of course I came back clear.

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Speaker 1: But Superman had something from when he was eighteen. It

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Speaker 1: was like one hundred and eight bucks, but we have

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Speaker 1: to pay that. And it was like, yeah, I didn't.

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Speaker 2: Know that to what entity, like a public utility or something.

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Speaker 1: Something I don't know, Like I was looking through, I

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Speaker 1: just knew that it was his. I took a cursory

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Speaker 1: glance because his name is it's not common, but it's

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Speaker 1: kind of common because its last name is Smith, so

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Speaker 1: his first name is semi common ish. So there was

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Speaker 1: a lot so we had to really dig through, like

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Speaker 1: page after it was seventy three pages. I didn't realize that,

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Speaker 1: and I was like, wow, So the title searches like

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Speaker 1: the property to see if the property has any leans

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Speaker 1: on it. It doesn't own anyone the person before you,

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Speaker 1: like who owned the property before you, to make sure

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Speaker 1: there's no leans that would stop the sale of the house,

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Speaker 1: and then you yourself. And I was like what And so,

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Speaker 1: like I said, I came back clear, but he had

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Speaker 1: this one hundred and eight dollars. Fine. It looked like

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Speaker 1: something from like like it looked like maybe it was

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Speaker 1: like a ticket or something from court or something like

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Speaker 1: that when he was eighteen, and you know, likely it

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Speaker 1: was just moving from place to place and just forgot

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Speaker 1: about it, and so it came up in the title

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Speaker 1: search and you know, and I was just like, wow, okay,

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Speaker 1: I mean, obviously we'll pay one hundred and eight dollars.

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Speaker 1: But I thought I didn't even I never knew that

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Speaker 1: was something I'd bought a house before. But I guess

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Speaker 1: because nothing ever came up under my name, it wasn't

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Speaker 1: something I thought about. And so yeah, so I was like, oh, okay,

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Speaker 1: we'll pay one hundred and eight dollars, but I just

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Speaker 1: I get.

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Speaker 2: A deal breaker, like who it is?

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Speaker 1: Surprisingly like not that it's a lot of money, but

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Speaker 1: so I asked her, well, what would have happened if

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Speaker 1: he owed, like you know, or like just say if

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Speaker 1: we're paying I said, is this because we're paying cash?

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Speaker 1: And my realtor was like, no, the bank would have

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Speaker 1: actually held up the mortgage until it was satisfied, because

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Speaker 1: their worry is that you don't want anyone to have

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Speaker 1: to come and say, hey, before this transaction takes place,

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Speaker 1: this person or this property or whatever owes me, and

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Speaker 1: so I was like, oh, okay, So I don't know.

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Speaker 1: I'm sure I'm saying it incorrectly. I probably could have

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Speaker 1: got more detail, I guess because it was one hundred

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Speaker 1: and eight dollars. I wasn't digging super deep. But it

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Speaker 1: seemed like we wouldn't be able to get title insurance,

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Speaker 1: which means that I guess if later on, ten years

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Speaker 1: from now, someone says, hey, there is actually a second

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Speaker 1: mortgage on that house. You Oh, we wouldn't have to

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Speaker 1: pay that because we have title insurance. But they wouldn't

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Speaker 1: clear us for title insurance if we didn't pay these

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Speaker 1: things off.

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Speaker 2: So how much time do you have?

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Speaker 1: They said that they want to close by my birthday,

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Speaker 1: which is October sixteenth, so we have plenty of time.

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Speaker 1: I mean, we're like, basically, we have a title company,

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Speaker 1: so we're just gonna I called to figure out, like

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Speaker 1: what do we do now, because I'm like, I don't

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Speaker 1: even know who to pay, like what court to pay

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Speaker 1: or whatever. So we just give him the eight oh

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Speaker 1: one hundred and eight dollars or whatever, and then he pays.

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Speaker 1: He satisfies the payment, you know, gives us a receipt

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Speaker 1: and then we're good to go, so we can have

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Speaker 1: title insurance so no one can then come and put

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Speaker 1: a lean on the property based upon old debts. Basically,

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Speaker 1: because we did our due diligence and I didn't even

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Speaker 1: know that, I'm like, woo, mind blown.

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Speaker 2: Wait, who takes a check from you?

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Speaker 1: The title insurance company, so they they run the title search,

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Speaker 1: and so everyone is paying the title insurance company. They're

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Speaker 1: like our es grow basically, so we paid the deposit

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Speaker 1: to instead of instead of getting like a lawyer, we

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Speaker 1: decided to go with the title insurance company because we're

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Speaker 1: paying cash, so we're not negotiating anything. But I still

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Speaker 1: wanted a title search. Like the bank side who we're paying,

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Speaker 1: they do a title search, but I wanted to do

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Speaker 1: a title search too on our side to make sure

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Speaker 1: that this property doesn't have any leans on it. And

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Speaker 1: in order for us to have insurance on the title search,

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Speaker 1: meaning you did your due diligence, you're no longer liable.

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Speaker 1: We have to satisfy whatever it is that we owe

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Speaker 1: and whatever it is that either party might own, and

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Speaker 1: so we end up owning one hundred eight dollars. Everybody

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Speaker 1: else is free and clear. So I asked, well, how

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Speaker 1: do we pay because it says like I don't know,

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Speaker 1: New Jersey State Court whatever it is. And I'm like, well,

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Speaker 1: do we just call them up and pay them? He's like, no,

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Speaker 1: you could pay, you know, write a check out, we

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Speaker 1: pay them obviously he sent you proof of payment, and

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Speaker 1: then we can move forward with the closing of the

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Speaker 1: of the sale of the house. And like I said,

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Speaker 1: I might be said, I know. I was like, like

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Speaker 1: I said, I never because I guess I like, none

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Speaker 1: of my friends ever had anything come up, at least

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Speaker 1: they never told me, and I've never had anything come

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Speaker 1: up in the title search. So it was like, oh, okay,

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Speaker 1: well that's not true. When I fought my first house,

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Speaker 1: the man who owned the house had gotten a divorce,

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Speaker 1: so in the title search it did show that his

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Speaker 1: wife was like co owner or whatever that was, but

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Speaker 1: nothing came up on my end. So I didn't realize

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Speaker 1: that that there you might have to pay. But what

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Speaker 1: was crazy was there's different iterations of his name, and

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Speaker 1: there are people there that like, if you added up

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Speaker 1: everything they owed, it was like ten twenty thousand dollars

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Speaker 1: And I'm like, so what if they wanted to buy

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Speaker 1: a house and didn't even know they owed all this,

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Speaker 1: you could literally just not be able to buy a house,

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Speaker 1: you know. So it just, you know, really important, and

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Speaker 1: that it's just another I guess bullet to say why

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Speaker 1: it's so important your credit and stuff. Staying on top

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Speaker 1: of your credit and credit report is so important because.

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Speaker 2: And you never do think about yourself the buyer being

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Speaker 2: because the title social whole point of it, I always

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Speaker 2: thought was just to make sure that the people who

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Speaker 2: were selling and had the right to sell it.

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Speaker 1: Me too, me too honestly that I was like, wait, what,

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Speaker 1: I'm gonna do a little more digging. But I was like, what,

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Speaker 1: I didn't know that, and she said yep. So, like

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Speaker 1: I said, it wasn't much for us, But what if

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Speaker 1: it was like he owed, you know, eight thousand dollars,

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Speaker 1: what would we you know, I mean, we pay it,

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Speaker 1: but it would have been like a huge shock, you know,

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Speaker 1: like what thanks.

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Speaker 2: There's a lot of people who would be like, oh,

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Speaker 2: that's putting us out of the game, Like there's no.

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Speaker 1: Way exactly, That's what I thought to myself. I was like,

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Speaker 1: look look at you, sir. He was like, it's one

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Speaker 1: hundred eight dollars. I'm like still, I was like, I'm

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Speaker 1: not looking at the date. It's like nineteen ninety eight.

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Speaker 1: I'm like when you were eighteen. He was like it

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Speaker 1: probably with some ticket and I was like whatever, And

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Speaker 1: I'm like, it's come back to haunt you. So it's

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Speaker 1: just an interesting part of the journey. I'm gonna do

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Speaker 1: a little bit more digging and maybe I'll explain it

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Speaker 1: a little better next time. But this is what, like,

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Speaker 1: it literally just happened today, So it was like fresh

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Speaker 1: on my mind, like what and.

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Speaker 2: Would that not show up on his credit report?

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Speaker 1: We didn't see it because it's old. It's it's clearly

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Speaker 1: some sort of violation. It looks like you might have

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Speaker 1: had a ticket or something because it's old to a

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Speaker 1: court system, so it didn't show up on his I

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Speaker 1: don't know, do like parking tickets or whatever tickets show

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Speaker 1: up on your own on your credit report.

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Speaker 2: Not like the one you get from experience, not that

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Speaker 2: I know of, but I know, like you till like

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Speaker 2: one time. I remember in college one summer, you know

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Speaker 2: how every summer you move out of your apartment or

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Speaker 2: whatever I stayed, I had, we all moved out, but

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Speaker 2: like the power bill was still in my name and

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Speaker 2: it was never shut down. And I had these a

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Speaker 2: bunch of like missed payments from Georgia Power on my

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Speaker 2: credit report that I had to you know, it wasn't

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Speaker 2: I wasn't supposed to be charged, but they just had

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Speaker 2: never cut off service anyway, so I had to. But

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Speaker 2: that showed up on my credit report. But I don't

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Speaker 2: know what tickets.

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Speaker 1: And that's why I thought. That's why I was thinking,

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Speaker 1: because I checked his credit report it didn't show up.

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Speaker 1: So it's like that tickets, outstanding tickets don't show up

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Speaker 1: on your credit report. It just shows up, I guess

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Speaker 1: during I don't even know super thorough background checks because

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Speaker 1: I've never I mean, I've had tickets that I'd forgotten

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Speaker 1: to pay, and I've gotten like, you know, like warnings

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Speaker 1: in the mail, like we're gonna take your license, and

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Speaker 1: I haven't seen that on my credit report, So that's

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Speaker 1: likely why it was missed. He says. He vaguely remembers, like,

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Speaker 1: oh yeah, I kind of vaguely remember, but you know,

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Speaker 1: so just keeping that in mind that like if you

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Speaker 1: have some outstanding like tickets, it looks like most of

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Speaker 1: the stuff is legal base, meaning like most of the

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Speaker 1: stuff that wasn't his, and all the pages that I

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Speaker 1: kind of went through, it looked like all of them

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Speaker 1: were court related in some way, right, like you know

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Speaker 1: what I mean, like if there wasn't anything on there,

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Speaker 1: like like I saw a guy, oh, child support, and

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Speaker 1: then it was like somebody there was like some forensic something,

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Speaker 1: so I guess I don't know if it's oh, there

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Speaker 1: was a public defender one where somebody I guess, you know,

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Speaker 1: had gotten into trouble and I guess they were charging

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Speaker 1: them for the public defender. I don't know. It was

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Speaker 1: just really interesting to kind of kind of intrusive. I

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Speaker 1: was like, well, that's not even his full mate, like

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Speaker 1: like some people had different spellings of his name in

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Speaker 1: totally different years. But I was able to see like

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Speaker 1: all that they kind of owed, So it was really

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Speaker 1: interesting to be like, wow, this is kind of like

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Speaker 1: like they would even say, did you live at this address?

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Speaker 1: That's how we knew which ones were his. It was

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Speaker 1: it had like the last four digits of your social

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Speaker 1: the address associated, and then the name, so those three

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Speaker 1: things kind of had to match, and it was only

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Speaker 1: one for him, and then the rest he was like no, no, yeah.

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Speaker 2: Yeah, I'm reading that. This is right. So it's not

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Speaker 2: that the city like will send an unpaid parking ticket,

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Speaker 2: like report that on your credit. But if they sell

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Speaker 2: it to a debt collector, which some cities do for

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Speaker 2: like even for the library finds like library finds are

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Speaker 2: unpaid yeah, parking tickets, then that collection activity will be

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Speaker 2: reported and then maybe you can track it. But that's

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Speaker 2: that's weird.

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Speaker 1: But I mean, you know, part of the process.

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Speaker 2: Yeah, any other like uh, pickups or lessons learn.

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Speaker 1: And well we did find that, like and I guess

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Speaker 1: it's true. Like for an old house, like I said before,

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Speaker 1: like the the we have to get the house rewired,

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Speaker 1: which could be anywhere from eight to fifteen thousand dollars.

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Speaker 1: So but that was something we knew ooh fifteen ou

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Speaker 1: I know, but that was something we kind of mentally

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Speaker 1: prepared for because I knew that of the four major

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Speaker 1: things plumbing, foundation, roof, and electric that at least won

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Speaker 1: in a house that's almost one hundred years old, at

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Speaker 1: least one of them was going to be something. So

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Speaker 1: of all the ones, that's the one I was kind

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Speaker 1: of like, Okay, that's less than doing you know, a foundation,

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Speaker 1: which we would just have to leave the house. And

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Speaker 1: so that's, you know, something that we're trying to figure

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Speaker 1: out now, like, so what are we going to do

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Speaker 1: as far as fixing up the house. A lot of

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Speaker 1: it is cosmetic, but some of it is cosmetic, but

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Speaker 1: large projects that I want, Like I want a new

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Speaker 1: master bath and I want a different a different kitchen.

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Speaker 1: So the kitchen in the bathroom, they're fine and they're functional.

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Speaker 1: I just want it new, you know what I mean.

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Speaker 1: So lead the electric, yes, only the electric is like

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Speaker 1: we must do it. Everything else is like paint and

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Speaker 1: sanding and you know that kind of stuff. So we

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Speaker 1: could technically just pay for the wire and then just

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Speaker 1: paint and like sand and stuff ourselves. But I'm like, well,

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Speaker 1: we're gonna live here for a while. I want to

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Speaker 1: come home every day. Well, I don't leave the house.

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Speaker 1: I want to be in the house every day. I

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Speaker 1: want to be in the house every day and saying like, oh,

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Speaker 1: I love my house. So we're trying to figure out,

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Speaker 1: like do we go with the contractor or do we

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Speaker 1: instead hire different subcontractors to do the actual work itself,

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Speaker 1: Because if you hire a contractor, you kind of pay

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Speaker 1: a premium because they're going to hire a subcontractor to

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Speaker 1: do the work. So we're trying to figure out, like

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Speaker 1: what's the best way to move ahead. I really don't

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Speaker 1: want to spend more than sixty thousand dollars to get

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Speaker 1: the house to where we want it.

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Speaker 2: But I'm assuming it's all according to my HGTV reachurch.

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Speaker 2: I know that's exactly why kitchen, right, that's what I've

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Speaker 2: heard somebody brothers could do that.

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Speaker 1: I know I was thinking that, but then I was

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Speaker 1: thinking because like downstairs, like I feel so like official

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Speaker 1: because downstairs there's only one real wall, and I'm like,

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Speaker 1: this looks like a load bearing wall. Meanwhile, how would

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Speaker 1: I know? But my assumption is it's the only wall downstairs,

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Speaker 1: so and it's separating the kitchen from the dining room,

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Speaker 1: and the kitchen's a little narrow, so I'd love for

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Speaker 1: that wall to be taken down, But I don't know

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Speaker 1: is that obviously that's going to increase fixing the kitchen,

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Speaker 1: you know, buy a lot and so my concern so

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Speaker 1: that's what we kind of are now, like, well, where

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Speaker 1: what do we do do we cause there's a lot

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Speaker 1: of work that he can do himself. So we certainly

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Speaker 1: will like painting and sanding and stuff so we can

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Speaker 1: save money. But he can't renovate a kitchen and he

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Speaker 1: doesn't know how to go totally renovate a bathroom. So

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Speaker 1: we're just trying to figure out, like what do we

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Speaker 1: do because if you have an electrician, you have to

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Speaker 1: know where things are going to go.

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Speaker 2: Yeah, and a contractor is like they're sort of like

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Speaker 2: the man. They're managing the whole process, and I don't know,

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Speaker 2: I feel like that's the one thing I woultn't skimp

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Speaker 2: on personally, but you have someone who can sort of

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Speaker 2: like has experience, even though husband you know it too.

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Speaker 1: Yeah, no, but no, but I told them for the

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Speaker 1: major project, we're getting a contractor. So I guess we're

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Speaker 1: just trying to figure out, Okay, beside the kitchen in

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Speaker 1: the bathroom is there. I don't necessarily want to hire

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Speaker 1: a contractor for the electric work because we could just

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Speaker 1: hire an electrician, you see what I mean. I guess

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Speaker 1: that's where it's like, well, do look at I want

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Speaker 1: to hire professionals for all the major things, but I

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Speaker 1: don't necessarily want the contractor to hire the professionals for

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Speaker 1: the for certain things because I'm like, well, we could

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Speaker 1: just go directly to that professional themselves and let the

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Speaker 1: contractor just work on like maybe two major projects and

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Speaker 1: then like if we need a plumber, let's just hire

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Speaker 1: a plumber, not the contractor to hire the plumber. So

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Speaker 1: there's like more money, you know. So there's a bunch.

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Speaker 1: But I'm honestly everybody's seen the house. I've brought everybody through,

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Speaker 1: even though you know, technically we're not supposed to all

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Speaker 1: be in the house because we haven't paid for it.

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Speaker 2: But whatever, a house warming. I wasn't invited.

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Speaker 1: I know, we've just been walking through, Like, girl, what

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Speaker 1: you doing on Saturday? We want to go through doe

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Speaker 1: walk through and so like opening the lock box right

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Speaker 1: using the key you meanwhile, you're not supposed to do that,

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Speaker 1: but why here now I'm just really excited.

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Speaker 2: Okay, this is a private conversation. It's not like thousands

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Speaker 2: of people are going.

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Speaker 1: To y'all don't know where the house is, you don't like, wait,

387
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Speaker 1: I've never sent the address or whatever.

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Speaker 2: And by like challenge accepted, girl, and don't talk like that.

389
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Speaker 2: When the interwebs these days, I know Chinese are probably

390
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Speaker 2: listening the Russians probably listening to us, right.

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Speaker 1: But I'm excited though, because I can't wait to have

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Speaker 1: like I want to have Thanksgivings and definitely won't have

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Speaker 1: a house for me. Of course you and husband are

394
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Speaker 1: definitely invited. It's gonna be fun. It's gonna be like that.

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Speaker 2: I want to be down play how exciting it is

396
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Speaker 2: for him, because I'm really trying to drag this out.

397
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Speaker 1: Now get a house.

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Speaker 2: We went. We went looking at a couple of two

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Speaker 2: neighborhoods that he has liked, has been looking out online

400
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Speaker 2: in Jersey and I was finally like, let's just go

401
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Speaker 2: check out these neighborhoods and see what they're like and

402
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Speaker 2: see what the houses are like. And the neighborhoods are

403
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Speaker 2: Montclair and Maplewood, New Jersey.

404
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Speaker 1: Who you should have told me, I would have came

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Speaker 1: with you. Those are great neighborhoods, honestly, like Montclair from

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Speaker 1: what I remember. And I don't know if this is

407
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Speaker 1: still true, but it's one of the it's like the

408
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Speaker 1: interracial it is.

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Speaker 2: Yeah, we saw a few, yeah, but.

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Speaker 1: Like officially the interracial like capital over or something crazy,

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Speaker 1: like the most interracial couples like per capita in the

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Speaker 1: city or something like that, something crazy like that.

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Speaker 2: I know who lived there are both or both interracial,

414
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Speaker 2: so confirmed, it's true.

415
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Speaker 1: It's a great, great, great city. And then Maplewood is

416
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Speaker 1: also an awesome city. You guys would really like it.

417
00:19:34,800 --> 00:19:37,480
Speaker 1: It's really like Homie, it's really like and it's next

418
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Speaker 1: to Newark and and that that you at the airport

419
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Speaker 1: and travel to the city. All of that stuff is

420
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Speaker 1: really easy. But I'm not gonna lie maple Wood and Montclair,

421
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Speaker 1: especially Montclair Parise.

422
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Speaker 2: Yeah, but not as pricey as the apartments I want

423
00:19:53,200 --> 00:19:56,760
Speaker 2: in Historia and Jersey City. But we're just looking, you know,

424
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Speaker 2: I feel like it's hard. It's hard too. It's hard

425
00:20:01,520 --> 00:20:03,240
Speaker 2: to just look at listings online. You know. I want

426
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Speaker 2: to be out there and just kind of see and

427
00:20:05,000 --> 00:20:07,640
Speaker 2: get a feel for towns. But it feels very much

428
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Speaker 2: like going back to my suburban upbringing. And you know,

429
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Speaker 2: in a lot of ways, it's you know, I love

430
00:20:13,440 --> 00:20:16,359
Speaker 2: seeing like kids playing in the neighborhood and you know,

431
00:20:16,520 --> 00:20:20,199
Speaker 2: trees and greenery and you know, kind of like a

432
00:20:20,240 --> 00:20:23,920
Speaker 2: real neighborhood, you know, not like where there's sidewalks and

433
00:20:24,080 --> 00:20:26,800
Speaker 2: it's separate from traffic and it's kind of back in

434
00:20:27,080 --> 00:20:31,280
Speaker 2: like really beautiful old houses, and they're both really beautiful,

435
00:20:31,280 --> 00:20:34,680
Speaker 2: but it's just it's just too far. There's just so quiet.

436
00:20:35,000 --> 00:20:36,960
Speaker 1: I don't know, hang out. I'm like, yeah, we'll be

437
00:20:37,040 --> 00:20:40,320
Speaker 1: neighbors for real, because literally New York is like literally

438
00:20:40,320 --> 00:20:42,800
Speaker 1: like you know, maybe like ten minutes if that, Like.

439
00:20:42,880 --> 00:20:46,720
Speaker 2: Yay, come on, Mandy, it's a now.

440
00:20:47,200 --> 00:20:50,240
Speaker 1: I honestly, truthfully, it's actually Jersey City. It's super close

441
00:20:50,280 --> 00:20:52,520
Speaker 1: to NewYork. But you know, it's just very like I

442
00:20:52,560 --> 00:20:54,960
Speaker 1: love like, I love Montclair and because I went to

443
00:20:54,960 --> 00:20:58,320
Speaker 1: Montclair State University, it's got amazing restaurants. You'll love that.

444
00:20:58,680 --> 00:21:00,760
Speaker 2: Yeah, And that's how we got me there. He'd lure

445
00:21:00,840 --> 00:21:01,960
Speaker 2: me there. It's the promise of dinner.

446
00:21:02,600 --> 00:21:04,320
Speaker 1: Yeah, did you where'd you guys eat.

447
00:21:04,640 --> 00:21:06,000
Speaker 2: This restaurant called Raymond's.

448
00:21:07,040 --> 00:21:09,119
Speaker 1: Oh yes, I love Raymonds. Oh my gosh. I'm like,

449
00:21:09,240 --> 00:21:11,160
Speaker 1: maybe we're gonna be housewives together.

450
00:21:11,920 --> 00:21:18,880
Speaker 2: Oh shit, I'm gonna be sick again. Was an evil laugh.

451
00:21:19,000 --> 00:21:22,760
Speaker 2: You should have hurt yourself. That's what happens when you

452
00:21:22,760 --> 00:21:24,840
Speaker 2: get booed up and get suburban life. You just want

453
00:21:24,840 --> 00:21:25,840
Speaker 2: to lure everyone else in.

454
00:21:25,960 --> 00:21:27,800
Speaker 3: I feel like you and I'm like come on in

455
00:21:27,960 --> 00:21:31,720
Speaker 3: turn to barbecue on Saturdays, come on into like to

456
00:21:31,880 --> 00:21:40,800
Speaker 3: like you know, garage sales on Sundays. Resist Now so

457
00:21:41,160 --> 00:21:45,280
Speaker 3: all right, Well, now that we've sick in Jamal and them,

458
00:21:45,480 --> 00:21:49,000
Speaker 3: I know he's like, whatever.

459
00:21:48,240 --> 00:21:51,040
Speaker 1: It is time, I believe. Don't you have anything else

460
00:21:51,080 --> 00:21:52,719
Speaker 1: for buzzworthy?

461
00:21:52,840 --> 00:21:55,600
Speaker 2: I don't think anything else? Well before I before I

462
00:21:55,600 --> 00:21:58,159
Speaker 2: put my foot in my mouth because I haven't I

463
00:21:58,200 --> 00:22:01,680
Speaker 2: missed something, but other than and just my heart goes

464
00:22:01,680 --> 00:22:06,920
Speaker 2: out to Puerto Rico. Yeah, I think, oh, oh, actually,

465
00:22:07,359 --> 00:22:09,199
Speaker 2: do you know anybody who has a parent or a

466
00:22:09,200 --> 00:22:16,080
Speaker 2: grandparent in a nursing home? No, no, or like hospice care. Well,

467
00:22:16,440 --> 00:22:19,040
Speaker 2: I my both my grand or my grandpa said at

468
00:22:19,040 --> 00:22:21,399
Speaker 2: a certain point it was in hospice care. And my

469
00:22:21,880 --> 00:22:25,159
Speaker 2: great uncle is in like an assisted living facility. And

470
00:22:25,200 --> 00:22:28,199
Speaker 2: I just my heart went out to families because there

471
00:22:28,240 --> 00:22:29,919
Speaker 2: was a story in the Times over the weekend that

472
00:22:29,960 --> 00:22:33,080
Speaker 2: came out. It was so heartbreaking. After you know, when

473
00:22:33,080 --> 00:22:34,680
Speaker 2: you put your you put your loved ones in a

474
00:22:34,720 --> 00:22:36,760
Speaker 2: home because for a lot of reasons, there's a lot

475
00:22:36,760 --> 00:22:39,120
Speaker 2: of guilt involved because you wish you could take care

476
00:22:39,119 --> 00:22:40,679
Speaker 2: of them, but it's also a full time job. You

477
00:22:40,760 --> 00:22:44,440
Speaker 2: need help. And you know, these places are expensive, like

478
00:22:44,480 --> 00:22:47,160
Speaker 2: they can cost thousands of dollars a month, and it's

479
00:22:47,200 --> 00:22:49,680
Speaker 2: not the kind of thing that Medicare covers, or sorry,

480
00:22:49,680 --> 00:22:53,560
Speaker 2: Medicaid covers. And you know, if you haven't invested in

481
00:22:53,600 --> 00:22:55,560
Speaker 2: things like long term health insurance, it's hard to find

482
00:22:55,560 --> 00:22:58,680
Speaker 2: the money. So I understand where so many families why

483
00:22:58,680 --> 00:23:00,840
Speaker 2: you turn to these facilities to help your loved ones.

484
00:23:00,920 --> 00:23:03,600
Speaker 2: And if your budget isn't big enough, you may have

485
00:23:03,680 --> 00:23:07,679
Speaker 2: to settle on a less instillar facility. And there's a

486
00:23:07,760 --> 00:23:11,639
Speaker 2: story in uh in Florida, I believe around Miami, the

487
00:23:11,640 --> 00:23:14,679
Speaker 2: Miami area, there was this nursing home, nursing home and

488
00:23:14,800 --> 00:23:19,480
Speaker 2: for three, no, several days after the hurricane swept through,

489
00:23:19,520 --> 00:23:23,240
Speaker 2: this one was Maria. Wait wasn't Maria or Jose or

490
00:23:23,240 --> 00:23:25,160
Speaker 2: Irma one of these? I think it was Irma Wait?

491
00:23:25,240 --> 00:23:27,399
Speaker 1: Okay, probably whichever was.

492
00:23:27,480 --> 00:23:32,960
Speaker 2: Sorry anyway, the generators at the nursing care facility went down,

493
00:23:33,400 --> 00:23:37,679
Speaker 2: and the nursing care workers were sort of like they

494
00:23:37,840 --> 00:23:40,360
Speaker 2: They called the governor's hotline. He had given not even

495
00:23:40,359 --> 00:23:42,640
Speaker 2: a hotline, his cell phone number, he'd given his direct number.

496
00:23:42,640 --> 00:23:45,040
Speaker 2: They left a message saying, you know, the generators are down.

497
00:23:45,119 --> 00:23:48,960
Speaker 2: Quality of life is you know, is decreasing. And there

498
00:23:48,960 --> 00:23:52,119
Speaker 2: were other calls made to the power company and to

499
00:23:52,200 --> 00:23:55,920
Speaker 2: another organization that was supposed to be helping with recovery

500
00:23:55,920 --> 00:24:00,040
Speaker 2: efforts and rescue efforts, and somehow nothing got done. And

501
00:24:00,080 --> 00:24:05,000
Speaker 2: three days later, several patients died from past Oh my gosh,

502
00:24:05,040 --> 00:24:08,200
Speaker 2: and wait they were across the street from a hospital.

503
00:24:08,800 --> 00:24:12,600
Speaker 2: Across from the hospital. Yes, so one patient was one

504
00:24:12,640 --> 00:24:14,720
Speaker 2: of the people in the nursing home was taken to

505
00:24:14,760 --> 00:24:17,680
Speaker 2: the hospital with a high, high, high fever and another

506
00:24:17,720 --> 00:24:19,800
Speaker 2: one was and known what the hospital thought is it's

507
00:24:19,800 --> 00:24:22,560
Speaker 2: a pattern, you know. No, it's just like it's just

508
00:24:22,560 --> 00:24:25,359
Speaker 2: one of those It's one of the most heartbreaking things

509
00:24:25,359 --> 00:24:28,919
Speaker 2: I've ever read. And I just so yeah, I don't know.

510
00:24:29,000 --> 00:24:31,159
Speaker 2: I just thought, it's it's sad, and it's it's one

511
00:24:31,160 --> 00:24:35,000
Speaker 2: of those facilities that you know, isn't the most expensive

512
00:24:35,600 --> 00:24:38,600
Speaker 2: kind of place, and you know, it wasn't apparently on

513
00:24:39,000 --> 00:24:41,880
Speaker 2: anyone's you know, top of their priority list. And it's

514
00:24:41,920 --> 00:24:45,600
Speaker 2: just so sad that these these grandparents, great grandparents, you know,

515
00:24:46,359 --> 00:24:48,160
Speaker 2: passed away in such a sad way.

516
00:24:52,119 --> 00:24:57,159
Speaker 1: Wow, I can't even imagine, because I mean, I my

517
00:24:57,480 --> 00:25:01,080
Speaker 1: I'm trying to think my my father's and father passed

518
00:25:01,080 --> 00:25:05,440
Speaker 1: away way before I was born, and my grandfather passed

519
00:25:05,440 --> 00:25:07,280
Speaker 1: away maybe when I was a teenager, and my grandmother

520
00:25:07,359 --> 00:25:11,119
Speaker 1: when I was in my twenties and so, but they

521
00:25:11,160 --> 00:25:14,600
Speaker 1: all lived in Nigeria. So the concept of nursing homes

522
00:25:14,640 --> 00:25:16,680
Speaker 1: and all that kind of stuff is kind of it's

523
00:25:16,720 --> 00:25:19,439
Speaker 1: it's not part of typically the Nigerian culture, especially if

524
00:25:19,440 --> 00:25:22,520
Speaker 1: you're inside of Africa. So I can't even imagine. It's

525
00:25:22,560 --> 00:25:26,760
Speaker 1: one of the reasons why in like African culture that

526
00:25:26,800 --> 00:25:30,560
Speaker 1: you live in a the way you live in the community,

527
00:25:31,040 --> 00:25:36,439
Speaker 1: like each each village is really extended family. So I remember,

528
00:25:36,560 --> 00:25:38,080
Speaker 1: you know, I remember the first time I went to

529
00:25:38,119 --> 00:25:39,960
Speaker 1: Nigeria and I'm in this village and they're like, because

530
00:25:40,040 --> 00:25:43,119
Speaker 1: my last name Aliche is so unique in America, and

531
00:25:43,160 --> 00:25:44,960
Speaker 1: so my dad was introducing me to people like, oh,

532
00:25:45,080 --> 00:25:47,639
Speaker 1: this is chi k Aliche. I was like, oh my gosh,

533
00:25:48,200 --> 00:25:50,879
Speaker 1: my last name's Alche. And this is John Aliche. Oh

534
00:25:50,920 --> 00:25:52,960
Speaker 1: my gosh, my last name's Alcha. My dad was like,

535
00:25:53,000 --> 00:25:56,080
Speaker 1: get it together, everyone here is Alchia. I don't know.

536
00:25:56,280 --> 00:25:59,600
Speaker 1: I didn't know. I was like, wait, everyone, he was

537
00:25:59,640 --> 00:26:02,760
Speaker 1: like yeah, and I'm like, wait, everyone, And it was

538
00:26:02,760 --> 00:26:04,720
Speaker 1: such a beautiful oral history because you could meet a

539
00:26:04,840 --> 00:26:07,159
Speaker 1: seven year old and they would be like, oh, my

540
00:26:08,040 --> 00:26:12,400
Speaker 1: name is Mandy Aliche. My great grandfather and your great

541
00:26:12,440 --> 00:26:15,960
Speaker 1: grandfather were brothers. And then so they could trace everyone

542
00:26:15,960 --> 00:26:19,840
Speaker 1: could trace back to how you were both Alich's. And

543
00:26:19,840 --> 00:26:22,480
Speaker 1: then my mom lived in a neighboring village and all

544
00:26:22,480 --> 00:26:25,080
Speaker 1: of hers were her maiden name, and so that's how

545
00:26:25,400 --> 00:26:27,159
Speaker 1: in that culture you kind of like made sure you

546
00:26:27,160 --> 00:26:29,359
Speaker 1: didn't intermarry because you lived within your village, so you know,

547
00:26:29,400 --> 00:26:32,159
Speaker 1: you didn't marry within your village, you know, and so

548
00:26:32,240 --> 00:26:33,919
Speaker 1: it was kind of great, you know. And then plus two,

549
00:26:33,920 --> 00:26:36,720
Speaker 1: because you knew your oral history, you could trace like, well,

550
00:26:36,720 --> 00:26:38,840
Speaker 1: who is your mother, your mother's mother and mother, so

551
00:26:38,880 --> 00:26:41,199
Speaker 1: you could trace back. So literally, when you like someone,

552
00:26:41,680 --> 00:26:44,119
Speaker 1: your people would sit down and trace their history together

553
00:26:44,280 --> 00:26:46,520
Speaker 1: to make sure there was no overlap before allowing you

554
00:26:46,720 --> 00:26:48,960
Speaker 1: to date and marry, which is kind of like awesome.

555
00:26:48,960 --> 00:26:50,360
Speaker 1: But I say all that to say that, like, as

556
00:26:50,359 --> 00:26:54,320
Speaker 1: a result, my grandparents lived in there, they lived amongst

557
00:26:54,560 --> 00:26:58,560
Speaker 1: family always, and so I just can't even imagine, like

558
00:26:58,600 --> 00:27:00,360
Speaker 1: even now that my parents are getting old, my dad

559
00:27:00,400 --> 00:27:02,640
Speaker 1: is in his seventies. I always think to myself, like, well,

560
00:27:02,640 --> 00:27:06,840
Speaker 1: what would we do because I.

561
00:27:06,119 --> 00:27:07,880
Speaker 2: Have your sisters and you talked about it.

562
00:27:08,280 --> 00:27:10,760
Speaker 1: No, and we should. You know, my mom is much

563
00:27:10,760 --> 00:27:12,080
Speaker 1: younger than my dad. My mom is like, you know,

564
00:27:12,240 --> 00:27:16,760
Speaker 1: young TENDERRONI eleven years younger, so you know, but still,

565
00:27:16,880 --> 00:27:20,520
Speaker 1: you know, she's in her sixties and what I don't know, honestly,

566
00:27:20,600 --> 00:27:23,720
Speaker 1: but it is something that I've thought about because my dad,

567
00:27:23,760 --> 00:27:26,480
Speaker 1: although he's really active in plays tennis and all that

568
00:27:26,560 --> 00:27:29,600
Speaker 1: kind of stuff, still he's in his seventies, and you know,

569
00:27:30,680 --> 00:27:32,920
Speaker 1: if something were to happen to him, were my mom,

570
00:27:33,240 --> 00:27:35,040
Speaker 1: I would be like, obviously, come live with me, mommy,

571
00:27:35,040 --> 00:27:37,119
Speaker 1: even though I know she'd work every least nerve in

572
00:27:37,160 --> 00:27:39,159
Speaker 1: my body, but you know, that's what moms do. But

573
00:27:39,320 --> 00:27:42,000
Speaker 1: I would love for her to come live with us.

574
00:27:42,000 --> 00:27:46,320
Speaker 1: I can't even imagine putting her in a home only

575
00:27:46,359 --> 00:27:49,400
Speaker 1: because of that. I'd be afraid that someone wouldn't look

576
00:27:49,440 --> 00:27:50,560
Speaker 1: after her properly. You know.

577
00:27:51,200 --> 00:27:53,040
Speaker 2: Yeah, you're right, it's such a cult. It's a different

578
00:27:53,160 --> 00:27:55,680
Speaker 2: kind of culture in America. Like I feel like, obviously

579
00:27:55,720 --> 00:27:58,720
Speaker 2: there are a lot more normalized nursing homes and assisted

580
00:27:58,760 --> 00:28:02,000
Speaker 2: living facilities and stuff. But everyone I know, you know,

581
00:28:02,080 --> 00:28:06,359
Speaker 2: it's including my husband's family who's Dominican. That's not how

582
00:28:06,359 --> 00:28:09,359
Speaker 2: they operate like you will. They will pack as many

583
00:28:09,400 --> 00:28:11,840
Speaker 2: people as possible into a you know, an apartment just

584
00:28:11,880 --> 00:28:13,959
Speaker 2: to be together and just to be supporting each other,

585
00:28:14,000 --> 00:28:15,600
Speaker 2: which on the one hand is beautiful. On the other hand,

586
00:28:15,640 --> 00:28:17,800
Speaker 2: it's like, Okay, you're on top of each other, and

587
00:28:18,040 --> 00:28:21,199
Speaker 2: you know, everyone's sort of in each other's lives. But

588
00:28:21,440 --> 00:28:24,359
Speaker 2: it's a different it's a totally different way of thinking.

589
00:28:24,400 --> 00:28:28,119
Speaker 2: And yeah, it'll be interesting to seek our parents, aren't

590
00:28:28,280 --> 00:28:30,920
Speaker 2: you know that that old it's where we have had

591
00:28:30,920 --> 00:28:33,200
Speaker 2: to have those conversations. But it's something I think about

592
00:28:33,240 --> 00:28:34,560
Speaker 2: all the time. You know, when my mom, when my

593
00:28:34,600 --> 00:28:37,520
Speaker 2: mom got remarried recently, I can't lie when I said,

594
00:28:37,560 --> 00:28:38,840
Speaker 2: in the back of my mind, I'm like, okay, good,

595
00:28:38,840 --> 00:28:41,720
Speaker 2: she'll have someone to be there if she gets hurt again.

596
00:28:41,800 --> 00:28:44,160
Speaker 2: You know, it wasn't that long ago. I think it

597
00:28:44,200 --> 00:28:47,240
Speaker 2: was two three years ago that she fell on ice

598
00:28:47,320 --> 00:28:50,040
Speaker 2: and shattered her kneecap and my sister, thank god, my

599
00:28:50,080 --> 00:28:52,479
Speaker 2: sister was there and I had to fly out and

600
00:28:52,520 --> 00:28:54,760
Speaker 2: we had to you know, she couldn't walk for a

601
00:28:54,800 --> 00:28:59,400
Speaker 2: long time, and I remember thinking, God, we you know,

602
00:28:59,400 --> 00:29:01,120
Speaker 2: she's on her own. Oh and I just she you know,

603
00:29:01,160 --> 00:29:02,800
Speaker 2: what is she going to do if something worse were

604
00:29:02,800 --> 00:29:04,960
Speaker 2: to happen? So I feel like this is just part

605
00:29:05,000 --> 00:29:09,360
Speaker 2: of like adulthood. It's not like we become the parents.

606
00:29:09,400 --> 00:29:12,280
Speaker 2: But it's hard to have these conversations and they and

607
00:29:12,400 --> 00:29:14,880
Speaker 2: it's hard to even know where to start.

608
00:29:15,440 --> 00:29:16,360
Speaker 1: Yeah, I should ask.

609
00:29:16,240 --> 00:29:17,440
Speaker 2: Her if she has a will. I don't know. I

610
00:29:17,480 --> 00:29:19,000
Speaker 2: don't even know if she had the power of attorney.

611
00:29:19,400 --> 00:29:20,640
Speaker 2: I should know these things.

612
00:29:20,680 --> 00:29:23,400
Speaker 1: I know, right, I know, being the financial people that

613
00:29:23,400 --> 00:29:26,480
Speaker 1: we are, you know, I mean my dad is really uh,

614
00:29:26,600 --> 00:29:28,840
Speaker 1: I know that he had a will, but now that

615
00:29:28,920 --> 00:29:32,040
Speaker 1: we're like like fully grown, I mean, and I'm sure

616
00:29:32,040 --> 00:29:33,520
Speaker 1: he still has a will, but I wonder if it's

617
00:29:33,560 --> 00:29:36,080
Speaker 1: updated because I can remember being like a teenager or

618
00:29:36,080 --> 00:29:38,880
Speaker 1: whatever him showing us, but I don't know, like what

619
00:29:38,920 --> 00:29:40,520
Speaker 1: it's what it is now. And you're right, power of

620
00:29:40,520 --> 00:29:42,640
Speaker 1: attorning all that kind of stuff, you know, or the.

621
00:29:42,600 --> 00:29:45,920
Speaker 2: Passwords like well your mom know. I think about, well,

622
00:29:45,960 --> 00:29:47,760
Speaker 2: my mom has control over everything because she's been on

623
00:29:47,760 --> 00:29:49,800
Speaker 2: her own for a while. But you know, I if

624
00:29:49,840 --> 00:29:51,520
Speaker 2: the husband A lot of times it's you know, if

625
00:29:51,560 --> 00:29:56,000
Speaker 2: the husband, men do on average live shorter lives and women.

626
00:29:56,120 --> 00:29:58,520
Speaker 2: So that's why I'm kind of stereotyping this situation. But

627
00:29:58,840 --> 00:30:00,600
Speaker 2: you know, if a husband passes away and the wife

628
00:30:00,680 --> 00:30:03,440
Speaker 2: is left, you know, does she is she empowered? Does

629
00:30:03,440 --> 00:30:05,760
Speaker 2: she know where everything is so that you know, she

630
00:30:05,920 --> 00:30:08,080
Speaker 2: knows where the how the bills are paid, and where

631
00:30:08,120 --> 00:30:09,640
Speaker 2: the finances are, and where to find the will and

632
00:30:09,640 --> 00:30:12,280
Speaker 2: where to find you know, all the information that she'll need.

633
00:30:13,040 --> 00:30:17,360
Speaker 2: Because if she doesn't, you know, it's it's it can be,

634
00:30:17,640 --> 00:30:20,080
Speaker 2: it can be all that more stressful to it. Really

635
00:30:20,120 --> 00:30:26,280
Speaker 2: already like said, you know, situation, Yeah, don't worry. I

636
00:30:26,280 --> 00:30:30,360
Speaker 2: have all my information in a Google doc. That's exactly

637
00:30:30,400 --> 00:30:31,040
Speaker 2: what it's called.

638
00:30:31,920 --> 00:30:32,920
Speaker 1: You know what, it's crazy.

639
00:30:32,920 --> 00:30:34,600
Speaker 2: My financial planner didn't think that was a good plan,

640
00:30:34,640 --> 00:30:35,480
Speaker 2: but I think it works.

641
00:30:36,600 --> 00:30:39,840
Speaker 1: He's like, oh, that's great. So at any moment of time,

642
00:30:39,920 --> 00:30:40,800
Speaker 1: someone could hack you.

643
00:30:41,920 --> 00:30:43,440
Speaker 2: I mean, come on, we're all hacked now.

644
00:30:45,120 --> 00:30:50,400
Speaker 1: I'm just assuming that's true. Leave it to us to

645
00:30:50,600 --> 00:30:52,880
Speaker 1: end BuzzFeed on such an uplifting.

646
00:30:53,240 --> 00:30:54,760
Speaker 2: That's why no one wants to talk about it. But

647
00:30:54,760 --> 00:30:56,480
Speaker 2: see what I'm trying to do here, I'm trying to like,

648
00:30:56,520 --> 00:30:59,560
Speaker 2: you know, taboo we talk about money, why can't we

649
00:30:59,600 --> 00:31:03,760
Speaker 2: talk about and old people? The poor old people. So anyway,

650
00:31:03,760 --> 00:31:05,640
Speaker 2: my heart goes out to people in Miami. Sorry to

651
00:31:05,640 --> 00:31:08,920
Speaker 2: be a downer, but you know, you know, think Thanksgivings

652
00:31:08,960 --> 00:31:11,840
Speaker 2: coming up? What better time to sit down and have

653
00:31:11,960 --> 00:31:14,800
Speaker 2: really morbid discussion about wills and powers of attorney with

654
00:31:14,800 --> 00:31:15,520
Speaker 2: your mom and dad.

655
00:31:25,560 --> 00:31:31,080
Speaker 1: So it's time for brown break, Brown boost. What you're

656
00:31:31,160 --> 00:31:35,480
Speaker 1: gonna do? Are you gonna boost? So? Are you gonna

657
00:31:35,480 --> 00:31:37,480
Speaker 1: break with you? Oh?

658
00:31:37,520 --> 00:31:38,600
Speaker 2: It's a little twist on it.

659
00:31:39,120 --> 00:31:46,040
Speaker 1: I know, I go where Mine's just easy. I am

660
00:31:46,120 --> 00:31:49,920
Speaker 1: going to boost Acora fabric and fashion. Do you know

661
00:31:49,960 --> 00:31:50,640
Speaker 1: what anchor is?

662
00:31:51,040 --> 00:31:54,400
Speaker 2: Do you? Ankara is a city? A city? Where is

663
00:31:54,440 --> 00:31:56,280
Speaker 2: the city? Is it in Nigeria?

664
00:31:57,280 --> 00:31:58,800
Speaker 1: I don't know. Maybe Anchor is the city, but that's

665
00:31:58,800 --> 00:32:03,880
Speaker 1: not what I mean. Is so Ancora is So it's

666
00:32:03,960 --> 00:32:04,920
Speaker 1: usually like Africa.

667
00:32:06,560 --> 00:32:09,920
Speaker 2: I've been to Ankara. This is really tragic. I literally

668
00:32:09,960 --> 00:32:12,480
Speaker 2: have been there before. All right, continue, Sorry.

669
00:32:12,280 --> 00:32:14,280
Speaker 1: Well, when I'm talking about Acera, I mean, and I

670
00:32:14,280 --> 00:32:16,120
Speaker 1: don't know where they got the name from, but it's

671
00:32:16,360 --> 00:32:22,040
Speaker 1: it's basically African print that's typically cut or oftentimes cut

672
00:32:22,120 --> 00:32:24,640
Speaker 1: in a contemporary manner, so meaning like I just bought

673
00:32:24,640 --> 00:32:27,800
Speaker 1: a bomber jacket, but it's African print. So there I went.

674
00:32:27,960 --> 00:32:30,680
Speaker 1: I was in Atlanta for an event for Ford in Essence,

675
00:32:30,680 --> 00:32:35,280
Speaker 1: and there was a woman selling like her fashion designs

676
00:32:35,360 --> 00:32:37,280
Speaker 1: and I was just looking through them, and I was like,

677
00:32:37,800 --> 00:32:40,800
Speaker 1: it was so cute a bomber jacket but with African print.

678
00:32:40,880 --> 00:32:46,000
Speaker 1: So it's like this fun funky, like I don't know,

679
00:32:46,200 --> 00:32:47,200
Speaker 1: it's fun.

680
00:32:46,680 --> 00:32:48,840
Speaker 2: A bit more of that. Remember that girl though I

681
00:32:48,880 --> 00:32:51,000
Speaker 2: forget her name, the teenager who like made her prom

682
00:32:51,080 --> 00:32:53,120
Speaker 2: dress out of that Kyra.

683
00:32:52,960 --> 00:32:55,560
Speaker 1: Or something like that Kai or something like that. Yep,

684
00:32:55,880 --> 00:32:58,040
Speaker 1: And so that's Akora, you know. And so I love

685
00:32:58,080 --> 00:33:01,400
Speaker 1: it because it's like it's you know, as a kid,

686
00:33:01,600 --> 00:33:03,800
Speaker 1: like when I was younger, my mom would like get

687
00:33:03,840 --> 00:33:06,120
Speaker 1: us all dressed up in like African guard, but I

688
00:33:06,120 --> 00:33:08,680
Speaker 1: didn't like it because it was like the cut was

689
00:33:08,800 --> 00:33:12,400
Speaker 1: very like, you know, basically old fashioned. And now it's

690
00:33:12,440 --> 00:33:14,640
Speaker 1: like you can represent or even if you're not African,

691
00:33:14,760 --> 00:33:16,880
Speaker 1: you can still wear it. But it's like fun and funky.

692
00:33:16,880 --> 00:33:19,040
Speaker 1: You can get a blazer. I have really cute pencil

693
00:33:19,680 --> 00:33:22,640
Speaker 1: like these little pencil skirts that are oncre fashion. So

694
00:33:22,880 --> 00:33:24,480
Speaker 1: I just want to give a boost to that because

695
00:33:24,520 --> 00:33:26,959
Speaker 1: it looks so fly and I cannot wait to stunt

696
00:33:26,960 --> 00:33:29,480
Speaker 1: on these hicks out here. No, just joking, y'all, don't

697
00:33:29,480 --> 00:33:31,719
Speaker 1: gotta care, but I just can't wait to wear it

698
00:33:31,760 --> 00:33:34,600
Speaker 1: because it's so cute, and I'm just like everybody should

699
00:33:34,600 --> 00:33:36,120
Speaker 1: love a little bit of anchor because it just adds

700
00:33:36,120 --> 00:33:38,360
Speaker 1: a little, a little something extra because you could be

701
00:33:38,360 --> 00:33:41,080
Speaker 1: wearing literally like a black turtle that can black jeans

702
00:33:41,080 --> 00:33:43,960
Speaker 1: and then my blaze, my bomber jacket, and you guys

703
00:33:44,000 --> 00:33:47,080
Speaker 1: are gonna think I'm so stylish. Hmm.

704
00:33:48,440 --> 00:33:51,360
Speaker 2: Interesting. I wonder if this is gonna become the same

705
00:33:51,400 --> 00:33:54,600
Speaker 2: thing as like what are the long shirts to Scheky's.

706
00:33:54,640 --> 00:33:56,320
Speaker 1: Yeah right now.

707
00:33:56,800 --> 00:33:59,960
Speaker 2: Yeah, But then there's like this whole conversation about cultural appropriate,

708
00:34:00,080 --> 00:34:01,520
Speaker 2: you know, like who can wear a dashiki and who

709
00:34:01,560 --> 00:34:06,120
Speaker 2: can't wear a dashiki? Like they've become so widespread that

710
00:34:06,160 --> 00:34:08,879
Speaker 2: you'll see. I remember listening to Another Round one time.

711
00:34:08,880 --> 00:34:11,000
Speaker 2: I love that show, and they were I think it

712
00:34:11,040 --> 00:34:14,359
Speaker 2: was Tracy. She's like from Kentucky and she was making

713
00:34:14,400 --> 00:34:17,080
Speaker 2: she was talking about seeing like a white guy at

714
00:34:17,120 --> 00:34:19,560
Speaker 2: the Verizon's store, like wearing a dashiki and she's like

715
00:34:19,560 --> 00:34:23,120
Speaker 2: it's gone too far? Where did we drive it?

716
00:34:23,200 --> 00:34:23,239
Speaker 1: On?

717
00:34:24,840 --> 00:34:25,200
Speaker 3: How far?

718
00:34:25,280 --> 00:34:29,760
Speaker 2: How much African ancestry to deny? Can I wear akara?

719
00:34:29,920 --> 00:34:32,000
Speaker 2: I don't want to offend anybody. I probably shouldn't.

720
00:34:32,440 --> 00:34:34,919
Speaker 1: No, No, you totally could. I think. I think that's

721
00:34:34,960 --> 00:34:37,799
Speaker 1: what's so special about ankara is that it's purposefully cut,

722
00:34:38,120 --> 00:34:43,000
Speaker 1: oftentimes in this contemporary way, so that way it's it

723
00:34:43,000 --> 00:34:46,040
Speaker 1: it invites like people who might not otherwise wear African

724
00:34:46,040 --> 00:34:48,000
Speaker 1: fabric because you're like, this is a really cute blazer

725
00:34:48,440 --> 00:34:50,480
Speaker 1: that you know, you know, So it's not like you're

726
00:34:50,520 --> 00:34:52,759
Speaker 1: wearing a galet, which is like a head tie and

727
00:34:52,760 --> 00:34:56,400
Speaker 1: you're like, hey, like you know, and like there's certain

728
00:34:56,920 --> 00:35:00,239
Speaker 1: there's head ties where it's tied contemporarily, and there's really

729
00:35:00,280 --> 00:35:02,839
Speaker 1: like cultural head tides where people might feel like which

730
00:35:03,120 --> 00:35:05,839
Speaker 1: I wouldn't mind either way, but I get what you're saying.

731
00:35:05,840 --> 00:35:08,320
Speaker 1: But I think that's the purpose of cutting akara and

732
00:35:08,520 --> 00:35:10,440
Speaker 1: like stuff that you would normally wear like a pencil

733
00:35:10,480 --> 00:35:14,359
Speaker 1: skirt or like you know, like ankle pants and like,

734
00:35:14,400 --> 00:35:15,880
Speaker 1: you know, stuff like that in blazers.

735
00:35:15,920 --> 00:35:18,399
Speaker 2: So yeah, when I wasn't in my friend to lose wedding,

736
00:35:18,520 --> 00:35:21,719
Speaker 2: she's Nigerian and shees hey to Lou, but she if

737
00:35:21,719 --> 00:35:23,520
Speaker 2: you were like a close friends, she let you. We

738
00:35:23,560 --> 00:35:25,479
Speaker 2: all wore the same fabric, but we got it cut

739
00:35:25,520 --> 00:35:27,960
Speaker 2: in like modern Like I had a pencil skirt, but

740
00:35:28,000 --> 00:35:30,200
Speaker 2: it was in that it was in the pattern the

741
00:35:30,200 --> 00:35:31,799
Speaker 2: colors that she had for her wedding, and I thought

742
00:35:31,840 --> 00:35:33,920
Speaker 2: it was so cute. I actould Actually I need to

743
00:35:33,960 --> 00:35:34,600
Speaker 2: find that skirt.

744
00:35:34,840 --> 00:35:38,400
Speaker 1: But that's what it's called. It's basically like African like

745
00:35:38,400 --> 00:35:41,560
Speaker 1: like African like bridesmaids. Basically, so you, you and all

746
00:35:41,560 --> 00:35:44,080
Speaker 1: your girls were like the same fabric. My sister did that,

747
00:35:44,400 --> 00:35:46,120
Speaker 1: and so like you give your girls a fabric and

748
00:35:46,120 --> 00:35:49,120
Speaker 1: everybody gets to cut it in their own flattering way.

749
00:35:49,520 --> 00:35:52,400
Speaker 1: So that's you're part of her ushaby. Oh, I'm probably

750
00:35:52,440 --> 00:35:56,600
Speaker 1: saying with the wrong inflection. I know there's who are

751
00:35:56,719 --> 00:36:00,600
Speaker 1: carranging cringe away ebos. I know I have the worst

752
00:36:00,600 --> 00:36:01,320
Speaker 1: ebo accent.

753
00:36:03,280 --> 00:36:04,959
Speaker 2: Me too. I gotta work on that.

754
00:36:06,400 --> 00:36:06,560
Speaker 1: Now.

755
00:36:06,560 --> 00:36:10,080
Speaker 2: I love it, though, beautiful. I'm on nija dot com

756
00:36:10,120 --> 00:36:11,759
Speaker 2: looking at some examples right now.

757
00:36:12,600 --> 00:36:13,960
Speaker 1: Maybe I'll get you a little some I start you

758
00:36:13,960 --> 00:36:15,160
Speaker 1: off with a little coin purse.

759
00:36:16,280 --> 00:36:23,400
Speaker 2: Coin first, the starter pack. Yes, okay, I'm actually going

760
00:36:23,480 --> 00:36:27,279
Speaker 2: to break I'm gonna break. I'm really trying to get

761
00:36:27,320 --> 00:36:31,120
Speaker 2: my I'm really trying to get my meal planning down.

762
00:36:31,239 --> 00:36:33,520
Speaker 2: So you know, I broke. I had to take a

763
00:36:33,560 --> 00:36:35,840
Speaker 2: break from Green Chef, which I did. I finally, you know,

764
00:36:35,880 --> 00:36:38,200
Speaker 2: they make it really hard to cancel your subscription to

765
00:36:38,280 --> 00:36:41,719
Speaker 2: Green Chef. They do not want you to go. And

766
00:36:41,760 --> 00:36:44,040
Speaker 2: this may be the case for all these meal delivery plans.

767
00:36:44,040 --> 00:36:47,040
Speaker 2: But like you can skip a week, you can go

768
00:36:47,080 --> 00:36:48,640
Speaker 2: to your calendar and say I'm gonna skip this week,

769
00:36:48,680 --> 00:36:49,960
Speaker 2: but then you have to do it. You can only

770
00:36:50,000 --> 00:36:52,040
Speaker 2: do up to four weeks at a time, so you

771
00:36:52,080 --> 00:36:55,160
Speaker 2: have to remember to come back and skip if you forget.

772
00:36:55,239 --> 00:36:57,160
Speaker 2: And thank goodness, I checked my email and I saw

773
00:36:57,160 --> 00:36:59,959
Speaker 2: a reminder because I had skipped the last four weeks

774
00:37:00,440 --> 00:37:01,839
Speaker 2: and it was like, you're a due for a meal

775
00:37:01,920 --> 00:37:03,840
Speaker 2: kit next week. You only have twenty four hours to

776
00:37:03,880 --> 00:37:05,399
Speaker 2: cancel it. And I quickly canceled. I was like, I'm

777
00:37:05,400 --> 00:37:07,520
Speaker 2: done with this. I want to cancel. You have to

778
00:37:07,600 --> 00:37:09,480
Speaker 2: send an email to them. You can't even like do

779
00:37:09,520 --> 00:37:12,760
Speaker 2: it through the website. You have to And the answer

780
00:37:12,840 --> 00:37:15,279
Speaker 2: to how do I cancel my subscription isn't any where

781
00:37:15,280 --> 00:37:17,879
Speaker 2: easy to find. It's not in your account settings, It's

782
00:37:17,920 --> 00:37:20,080
Speaker 2: not in your profile. You actually have to go to

783
00:37:20,160 --> 00:37:23,799
Speaker 2: the faq and then find the question how do I

784
00:37:23,840 --> 00:37:25,840
Speaker 2: cancel my subscription all the way at the bottom almost

785
00:37:26,600 --> 00:37:29,399
Speaker 2: and then email them personally to ask to have your

786
00:37:29,520 --> 00:37:33,640
Speaker 2: subscription canceled. So that was like a mini break. But anyway,

787
00:37:33,360 --> 00:37:35,839
Speaker 2: my my real break is I was like, Okay, we're

788
00:37:35,880 --> 00:37:37,799
Speaker 2: going to go to Trader Joe's this weekend. I'm going

789
00:37:37,880 --> 00:37:40,719
Speaker 2: to get I'm going to get like, I'm going to

790
00:37:40,800 --> 00:37:43,200
Speaker 2: get some protein, I'm gonna get vegetables. I'm gonna get

791
00:37:43,239 --> 00:37:46,000
Speaker 2: I got some spaghetti squash to make, like my favorite,

792
00:37:46,200 --> 00:37:49,000
Speaker 2: you know, low carb pasta or whatever. Have you ever

793
00:37:49,000 --> 00:37:52,640
Speaker 2: had spaghetti squash? Side note, No, I'm not a big

794
00:37:52,680 --> 00:37:56,000
Speaker 2: squash fan, but listen, if you're doing like vegan, I

795
00:37:56,040 --> 00:37:57,880
Speaker 2: don't know, you can't eat pasta right because it has

796
00:37:57,920 --> 00:38:01,480
Speaker 2: eggs in it. Right, Listen, like spaghet squash. It's so cool.

797
00:38:01,880 --> 00:38:04,800
Speaker 2: You cut it in half, you put it in the oven,

798
00:38:05,239 --> 00:38:06,880
Speaker 2: and it looks it looks crazy. It looks like the

799
00:38:06,920 --> 00:38:08,759
Speaker 2: inside of a pumpkin. You have to scoop the seeds out,

800
00:38:09,080 --> 00:38:11,280
Speaker 2: but then you just drizzle olive oil, salt and pepper.

801
00:38:11,360 --> 00:38:13,320
Speaker 2: Put it face down on a pan and for forty

802
00:38:13,320 --> 00:38:15,480
Speaker 2: five minutes and that's it. And then you can take

803
00:38:15,480 --> 00:38:18,319
Speaker 2: a fork and you scrape it and it comes out

804
00:38:18,360 --> 00:38:22,120
Speaker 2: like noodles, but it's squashed. It doesn't have any strong taste.

805
00:38:22,280 --> 00:38:24,279
Speaker 2: It's just like a really good and it takes on

806
00:38:24,320 --> 00:38:26,759
Speaker 2: the flavor whatever sauce you put on it, so it

807
00:38:26,760 --> 00:38:30,560
Speaker 2: becomes like a really healthy alternative to spaghetti. So I

808
00:38:30,600 --> 00:38:32,160
Speaker 2: know you should. You should definitely try it. You have

809
00:38:32,239 --> 00:38:38,879
Speaker 2: to put in the rotation, but it's so good, you.

810
00:38:38,800 --> 00:38:40,680
Speaker 1: Know I'm gonna try. Because I only don't like squash

811
00:38:40,680 --> 00:38:43,560
Speaker 1: because of a bad childhood experience. I carried.

812
00:38:46,320 --> 00:38:47,840
Speaker 2: Squash horror story.

813
00:38:49,360 --> 00:38:51,120
Speaker 1: So I'm like, so i've ever since that, I'm just like,

814
00:38:51,120 --> 00:38:53,120
Speaker 1: I don't like scratch, even though I probably have not

815
00:38:53,200 --> 00:38:55,280
Speaker 1: Like I like pumpkin, which isn't that a former squash

816
00:38:55,360 --> 00:38:58,000
Speaker 1: who eats pumpkin. I mean it's.

817
00:39:00,480 --> 00:39:02,640
Speaker 2: Pumpkin, like a pumpkin pie. That's not real pumpkin.

818
00:39:03,120 --> 00:39:06,080
Speaker 1: No, I've had like there's like there's just Jamaican dishes

819
00:39:06,080 --> 00:39:07,960
Speaker 1: that they have like pumpkin. It's like pumpkin soup and

820
00:39:08,000 --> 00:39:11,200
Speaker 1: pumpkin stew, and I like it. Okay, but yeah, so

821
00:39:11,239 --> 00:39:13,240
Speaker 1: I'm gonna try. I will try.

822
00:39:13,360 --> 00:39:16,759
Speaker 2: It's not really it's fun and it's tasty, but I'm

823
00:39:16,800 --> 00:39:18,319
Speaker 2: getting off track again yet again.

824
00:39:19,239 --> 00:39:21,920
Speaker 1: That's what we always Okay, So.

825
00:39:21,960 --> 00:39:24,000
Speaker 2: First it took a mini break. Now sidebar, Now back

826
00:39:24,000 --> 00:39:26,520
Speaker 2: to the mad break. Anyway, We're at Trader Doos. I'm

827
00:39:26,520 --> 00:39:28,359
Speaker 2: getting all these ingredients and I get home. First of all,

828
00:39:28,400 --> 00:39:30,879
Speaker 2: I'm exhausted from even going to Twitder Joe's. And then

829
00:39:31,200 --> 00:39:33,759
Speaker 2: I spend the next three hours I'm gonna I try

830
00:39:33,760 --> 00:39:36,239
Speaker 2: to cook all the food I'll need for lunch during

831
00:39:36,280 --> 00:39:38,640
Speaker 2: the week, because I usually spend like between twelve and

832
00:39:38,640 --> 00:39:41,560
Speaker 2: fifteen dollars a day eating out in New York City

833
00:39:41,600 --> 00:39:44,600
Speaker 2: for lunch or whatever, easily twelve fifteen dollars. So I'm

834
00:39:44,640 --> 00:39:48,080
Speaker 2: trying to cook enough lunch for the week to try

835
00:39:48,120 --> 00:39:51,920
Speaker 2: it out. It took me four hours. Like I didn't

836
00:39:51,960 --> 00:39:55,319
Speaker 2: know how much your back could hurt from standing in

837
00:39:55,360 --> 00:39:57,440
Speaker 2: the kitchen all day, cause you're it's not just cooking

838
00:39:57,440 --> 00:39:59,480
Speaker 2: one piece of chicken or two beets like for two people.

839
00:40:00,000 --> 00:40:01,959
Speaker 2: When you're trying to you need every pot and pan,

840
00:40:02,200 --> 00:40:04,560
Speaker 2: like the biggest pans you have. Everything takes longer to

841
00:40:04,600 --> 00:40:07,400
Speaker 2: cook when you're cooking into big batches. Maybe I was

842
00:40:07,440 --> 00:40:09,520
Speaker 2: just a little too ambitious with the meal I chose,

843
00:40:09,560 --> 00:40:12,720
Speaker 2: but I felt like it was not worth the money

844
00:40:12,719 --> 00:40:16,320
Speaker 2: I was saving to spend four hours of my Sunday,

845
00:40:16,400 --> 00:40:20,480
Speaker 2: my beautiful Sunday, just just like slaving over a hot stove.

846
00:40:22,880 --> 00:40:26,440
Speaker 1: I mean, I think that cooking can be sird of overrating.

847
00:40:26,480 --> 00:40:28,799
Speaker 1: I'm not gonna lie some days, I'm just like I

848
00:40:28,800 --> 00:40:31,120
Speaker 1: remember one time hearing like this radio host saying, look,

849
00:40:31,520 --> 00:40:33,200
Speaker 1: my job as the wife is to make sure you eat,

850
00:40:33,280 --> 00:40:36,280
Speaker 1: whether or not I cook it or not, that's my business.

851
00:40:36,360 --> 00:40:39,000
Speaker 2: How I wish my mom was that way too. My

852
00:40:39,040 --> 00:40:42,720
Speaker 2: mom would would like know she would have no guilt

853
00:40:42,920 --> 00:40:45,719
Speaker 2: over just slapping down a sack of Taco Bell tacos

854
00:40:45,800 --> 00:40:47,279
Speaker 2: on like a Wednesday night and being like, this is

855
00:40:47,280 --> 00:40:50,440
Speaker 2: all it's gonna happen to night. Kids. Adjust your expectations

856
00:40:50,760 --> 00:40:51,480
Speaker 2: all I can do.

857
00:40:52,719 --> 00:40:54,520
Speaker 1: So I feel like that's how I mean that I

858
00:40:54,560 --> 00:40:57,920
Speaker 1: do cook because I do enjoy it, but night's where

859
00:40:57,960 --> 00:41:00,200
Speaker 1: I'm like, yeah, So the good thing about Hopeful do

860
00:41:00,320 --> 00:41:02,120
Speaker 1: they have a hot whole food market, which I want?

861
00:41:03,280 --> 00:41:06,560
Speaker 1: And so yeah, so like Friday nights, I just don't cook.

862
00:41:07,080 --> 00:41:09,920
Speaker 1: And then I just kind of cook when I get

863
00:41:09,960 --> 00:41:13,040
Speaker 1: a chance, like today, you know, Superman, for whatever reason,

864
00:41:13,040 --> 00:41:16,160
Speaker 1: he decided he wanted meatball subs or palm or whatever

865
00:41:16,200 --> 00:41:18,000
Speaker 1: it is. So he made them, which I thought was

866
00:41:18,000 --> 00:41:21,040
Speaker 1: so cute for him and Supergirl, and I was like, okay, well,

867
00:41:21,040 --> 00:41:23,160
Speaker 1: I'm glad you cooked today because Mondays are like my

868
00:41:23,200 --> 00:41:26,959
Speaker 1: busiest days, and so he cooks, but typically he cooks

869
00:41:27,080 --> 00:41:29,680
Speaker 1: very guyish, so today it was like a huge departure.

870
00:41:30,040 --> 00:41:31,600
Speaker 1: I was like, look at you get in fancy because

871
00:41:31,600 --> 00:41:34,040
Speaker 1: he has this thing called turkey ronie, which I'm like, uh.

872
00:41:34,120 --> 00:41:36,040
Speaker 2: I was gonna say, how do you eat meat ball subs?

873
00:41:36,520 --> 00:41:38,799
Speaker 1: Well, he just WoT, we just like we have the

874
00:41:38,840 --> 00:41:42,120
Speaker 1: ground turkey. So he just seasoned them up and baked them,

875
00:41:42,760 --> 00:41:44,440
Speaker 1: which I'm not sure IF's the way he's supposed to.

876
00:41:44,440 --> 00:41:46,680
Speaker 2: Do it, but I was like, I guess you can

877
00:41:46,719 --> 00:41:50,840
Speaker 2: bake the falls. Yeah, And I was like, what's happening, Blond,

878
00:41:52,280 --> 00:41:52,880
Speaker 2: He's like baking.

879
00:41:52,920 --> 00:41:55,479
Speaker 1: There's like twelve meet balls. He's like baking them, and

880
00:41:55,600 --> 00:41:57,400
Speaker 1: I guess he went out and went to get like

881
00:41:57,440 --> 00:42:01,279
Speaker 1: that crusty like long bread you know that it's just

882
00:42:01,320 --> 00:42:02,719
Speaker 1: gonna cut them and slice them and then put like

883
00:42:02,760 --> 00:42:05,160
Speaker 1: two or three metcalfs in each and some cheese and

884
00:42:05,239 --> 00:42:07,759
Speaker 1: some sauce, and you know, him and Supergirl will have

885
00:42:07,800 --> 00:42:10,799
Speaker 1: a delicious time, I guess. And so I thought that

886
00:42:10,880 --> 00:42:16,240
Speaker 1: was cute, But usually his his normal fare is very basic,

887
00:42:16,400 --> 00:42:18,520
Speaker 1: to say the least, Like, like I said, turkey roni,

888
00:42:18,560 --> 00:42:23,800
Speaker 1: which is just elbow macaroni with ground turkey. It's basically

889
00:42:23,840 --> 00:42:27,239
Speaker 1: spaghetti sauce, spaghetti with elbow macaroni and ground turkey, and

890
00:42:27,280 --> 00:42:29,560
Speaker 1: like you know whatever, mixed bag of vegetables. And he

891
00:42:29,680 --> 00:42:32,279
Speaker 1: swears that it is the Bob dot com because he

892
00:42:32,320 --> 00:42:34,160
Speaker 1: will make up that of it you could swim in

893
00:42:34,200 --> 00:42:36,399
Speaker 1: the I'm like, who was eating all this turkey ronni? Sir?

894
00:42:37,400 --> 00:42:41,120
Speaker 2: So like, I'm putting in the freezer. We'll save it

895
00:42:41,120 --> 00:42:44,239
Speaker 2: for later in the back well.

896
00:42:44,360 --> 00:42:46,640
Speaker 1: Whenever he makes turkey roni, I just invite the neighborhood kids.

897
00:42:46,640 --> 00:42:48,560
Speaker 1: They always ko got the door for food anyway. I'm like,

898
00:42:48,600 --> 00:42:50,719
Speaker 1: who wants turkey ronni? They're like, oh, mister drown make

899
00:42:50,800 --> 00:42:51,440
Speaker 1: turkey ronni.

900
00:42:51,920 --> 00:42:58,160
Speaker 2: I'm like, I'm back to small batch cooking and hanging

901
00:42:58,160 --> 00:43:00,240
Speaker 2: out because I feel like my time is firth money.

902
00:43:00,640 --> 00:43:03,040
Speaker 2: But I'm like, what's the point in doing well. I

903
00:43:03,040 --> 00:43:05,200
Speaker 2: mean there were I remember back in my law three sixty,

904
00:43:05,280 --> 00:43:07,160
Speaker 2: like Business Insider days, when I would literally get the

905
00:43:07,239 --> 00:43:10,600
Speaker 2: ninety nine cent can of sad Trader joe soup and

906
00:43:10,640 --> 00:43:12,440
Speaker 2: I would eat and I would mix it with the

907
00:43:12,480 --> 00:43:14,680
Speaker 2: free pretzel rod sticks but used to have in the

908
00:43:14,760 --> 00:43:17,120
Speaker 2: kitchen at Business Insider, and I would nuke it in

909
00:43:17,120 --> 00:43:19,600
Speaker 2: the microwave. And I'm not even like the saddest soups

910
00:43:19,600 --> 00:43:23,200
Speaker 2: like turkey chili, like dog food and like split pea soup.

911
00:43:23,280 --> 00:43:25,759
Speaker 2: I can still remember the texture of the split Peace

912
00:43:25,800 --> 00:43:27,560
Speaker 2: soup from Trader Joe's because that's all I could have.

913
00:43:27,600 --> 00:43:29,800
Speaker 2: You know, I was so broke, and you know that

914
00:43:30,239 --> 00:43:33,040
Speaker 2: that was eight years ago, Amandy, Like treat yourself to

915
00:43:33,080 --> 00:43:35,560
Speaker 2: a ten dollars salad. Just do it, Just do it.

916
00:43:36,440 --> 00:43:38,520
Speaker 1: That it is hard to get past that. We should

917
00:43:38,520 --> 00:43:41,160
Speaker 1: talk about that and in like one day for our

918
00:43:41,680 --> 00:43:43,400
Speaker 1: tips or whatever, like how do you get past the

919
00:43:43,440 --> 00:43:44,680
Speaker 1: financial guilt of not.

920
00:43:44,600 --> 00:43:47,320
Speaker 2: Being broken anymore? And like treating Like how do you

921
00:43:47,360 --> 00:43:49,520
Speaker 2: know when it's lifestyle inflation because you don't have to

922
00:43:49,520 --> 00:43:51,600
Speaker 2: worry about that too, you know, like just because I'm

923
00:43:51,600 --> 00:43:53,440
Speaker 2: earning motes, I mean I need to be wilding out

924
00:43:53,440 --> 00:43:55,600
Speaker 2: and like doing you know, getting the bigger apartment, getting

925
00:43:55,640 --> 00:43:57,759
Speaker 2: the bigger you know, car, and not that I'm doing that,

926
00:43:57,800 --> 00:43:59,480
Speaker 2: but I think people will run into that problem. And

927
00:43:59,520 --> 00:44:01,759
Speaker 2: it's it's like, yeah, you want to prevent that, but

928
00:44:01,880 --> 00:44:03,800
Speaker 2: also you don't want to be nickel and diming yourself

929
00:44:03,800 --> 00:44:06,319
Speaker 2: to death to where you know you're spending half your

930
00:44:06,320 --> 00:44:09,040
Speaker 2: Sunday like I was slaving ye.

931
00:44:11,040 --> 00:44:15,319
Speaker 1: All right, all right, well questions. We have a good

932
00:44:15,400 --> 00:44:16,000
Speaker 1: question today.

933
00:44:16,280 --> 00:44:19,720
Speaker 2: Questions. As always, we have some good questions. Just a reminder,

934
00:44:19,760 --> 00:44:22,480
Speaker 2: you guys can go to Brannambisson podcast dot com send

935
00:44:22,560 --> 00:44:26,279
Speaker 2: us your questions. You can be anonymous. We promised no

936
00:44:26,320 --> 00:44:28,200
Speaker 2: one has been outed yet on this show.

937
00:44:29,239 --> 00:44:31,480
Speaker 1: We will keep keep for our boos. Right, they're like

938
00:44:31,680 --> 00:44:32,160
Speaker 1: you said my.

939
00:44:32,160 --> 00:44:35,520
Speaker 2: Name, thanks zillions of times. And if you follow us

940
00:44:35,560 --> 00:44:37,600
Speaker 2: on Instagram, I mean at least me, you know who

941
00:44:37,840 --> 00:44:46,879
Speaker 2: the boo is. But anyway, the biggest, the worst kept secret. Anyway, Yeah,

942
00:44:46,880 --> 00:44:49,040
Speaker 2: we have a good question, So briannibisionpodcast dot com send

943
00:44:49,080 --> 00:44:51,719
Speaker 2: us a question click that asks us anything tab or

944
00:44:51,760 --> 00:44:54,600
Speaker 2: you can email us at Brannambission Podcast at gmail dot

945
00:44:54,600 --> 00:44:57,760
Speaker 2: com dot com.

946
00:44:58,960 --> 00:44:59,640
Speaker 1: That's how you pause.

947
00:44:59,680 --> 00:45:01,560
Speaker 2: I'm like, that was a layup. I set it up

948
00:45:01,600 --> 00:45:06,000
Speaker 2: for you. You did, Okay, Okay, we have a good question.

949
00:45:06,160 --> 00:45:10,359
Speaker 2: So this person, her name is Tiana. She said there,

950
00:45:10,400 --> 00:45:12,839
Speaker 2: I really need to repair my credit, and I don't

951
00:45:12,840 --> 00:45:15,680
Speaker 2: know where to begin. Besides my student loans which are

952
00:45:15,680 --> 00:45:18,640
Speaker 2: currently in deferment and a voluntary reprocession, I don't have

953
00:45:18,800 --> 00:45:21,359
Speaker 2: much on my credit report. Negatively, I have a lot

954
00:45:21,360 --> 00:45:23,960
Speaker 2: of inquiries that needs to be removed. But I need

955
00:45:24,000 --> 00:45:26,319
Speaker 2: to find out the best secured card and how to

956
00:45:26,360 --> 00:45:31,080
Speaker 2: get some financial freedom. Tiana wants to rebuild her credit.

957
00:45:32,200 --> 00:45:34,640
Speaker 2: Student loans are in deferment, she has a voluntary repo

958
00:45:35,160 --> 00:45:38,560
Speaker 2: that's a car repossession. I'm assuming on her credit, she

959
00:45:38,600 --> 00:45:43,160
Speaker 2: has inquiry so it sounds like she's been applying for credit. Yeah,

960
00:45:43,200 --> 00:45:44,919
Speaker 2: and she says that needs to be removed. Well, those

961
00:45:44,960 --> 00:45:45,920
Speaker 2: can't be removed.

962
00:45:46,080 --> 00:45:47,080
Speaker 1: I was going to say that.

963
00:45:48,880 --> 00:45:49,359
Speaker 2: Point one.

964
00:45:49,400 --> 00:45:52,440
Speaker 1: Well, I think, well, where you work, Mandy is a

965
00:45:52,440 --> 00:45:55,480
Speaker 1: great place to start. Magnify money for secured cards. That's

966
00:45:55,480 --> 00:45:56,320
Speaker 1: where I send everyone.

967
00:45:56,320 --> 00:45:59,960
Speaker 2: Honestly, what's a secured card, Tiffany, Well, a secured car

968
00:46:00,040 --> 00:46:00,839
Speaker 2: card is.

969
00:46:01,640 --> 00:46:04,880
Speaker 1: I call it a credit card with training wheels, because

970
00:46:04,920 --> 00:46:07,840
Speaker 1: a secured card is like, hey girl, we don't trust

971
00:46:07,880 --> 00:46:10,640
Speaker 1: you with our money. So what we're gonna do. What

972
00:46:10,680 --> 00:46:13,600
Speaker 1: we're gonna do is we're gonna take your money about

973
00:46:13,600 --> 00:46:15,360
Speaker 1: five or six hundred dollars and put it in a

974
00:46:15,400 --> 00:46:18,360
Speaker 1: money market account, which is just a glorified savings account.

975
00:46:18,480 --> 00:46:20,279
Speaker 1: And then we're gonna give you a card and guess

976
00:46:20,320 --> 00:46:23,320
Speaker 1: what your limit's gonna be that same six hundred dollars

977
00:46:23,320 --> 00:46:25,880
Speaker 1: that we put up. And as you're swiping your card,

978
00:46:26,000 --> 00:46:28,279
Speaker 1: if for whatever reason, you decide to get cute and

979
00:46:28,280 --> 00:46:30,680
Speaker 1: not pay us, we're gonna just take the money out

980
00:46:30,719 --> 00:46:33,560
Speaker 1: of your money market account and pay off the card.

981
00:46:33,840 --> 00:46:38,160
Speaker 1: I cannot stress enough how important it is that if

982
00:46:38,200 --> 00:46:40,799
Speaker 1: you are not ready to make on time payments, do

983
00:46:41,040 --> 00:46:44,879
Speaker 1: not get a secured card like you could, because it's

984
00:46:44,920 --> 00:46:47,200
Speaker 1: already like I equate getting a secured card and was like, m,

985
00:46:47,760 --> 00:46:51,480
Speaker 1: you kind of messed up in credit class. So you're

986
00:46:51,560 --> 00:46:54,400
Speaker 1: set to detention, so you have time to redeem yourself.

987
00:46:54,600 --> 00:46:57,440
Speaker 1: But if you active a detention, then you might get expelled.

988
00:46:57,920 --> 00:47:00,319
Speaker 1: So if you're not really ready to do, what to

989
00:47:00,520 --> 00:47:02,799
Speaker 1: do right with a secured card? Because what that what

990
00:47:02,840 --> 00:47:05,399
Speaker 1: does that say? If you're like, yo, I can't even

991
00:47:05,600 --> 00:47:08,160
Speaker 1: pay myself back no one is going to trust you

992
00:47:08,200 --> 00:47:10,080
Speaker 1: to pay them back. So that's what I would go

993
00:47:10,080 --> 00:47:12,920
Speaker 1: to magnify money type in kind of like if you

994
00:47:13,000 --> 00:47:15,280
Speaker 1: I think it's like a drop down menu for secured cards,

995
00:47:16,239 --> 00:47:19,920
Speaker 1: and just know that you have to pony up usually

996
00:47:20,120 --> 00:47:22,919
Speaker 1: between like five and six hundred dollars and they'll put

997
00:47:22,920 --> 00:47:26,200
Speaker 1: that up for you and they'll give you the secured

998
00:47:26,239 --> 00:47:29,239
Speaker 1: card for that limit. And also a great place to

999
00:47:29,239 --> 00:47:31,280
Speaker 1: look for a secured card is your bank. Some banks

1000
00:47:31,320 --> 00:47:34,040
Speaker 1: have secured cards, and sometimes I prefer getting a secured

1001
00:47:34,120 --> 00:47:36,799
Speaker 1: card directly from the bank that you are actually bank at,

1002
00:47:36,840 --> 00:47:39,959
Speaker 1: if they have one. Because like Superman when I met him,

1003
00:47:40,320 --> 00:47:42,560
Speaker 1: he had a secured card at his bank, and then

1004
00:47:42,680 --> 00:47:45,319
Speaker 1: after meeting him and then helping him like pay like

1005
00:47:45,360 --> 00:47:48,160
Speaker 1: get his credit like to where it needed to be,

1006
00:47:48,840 --> 00:47:51,359
Speaker 1: they actually took the secured cart off his card and

1007
00:47:51,400 --> 00:47:53,680
Speaker 1: made it a regular card. So the bank, because there

1008
00:47:53,719 --> 00:47:56,080
Speaker 1: was already a bank card, he didn't have to reapply

1009
00:47:56,160 --> 00:47:58,760
Speaker 1: for a regular card. They just basically upgraded him without

1010
00:47:58,800 --> 00:48:01,799
Speaker 1: that inquiry, which was great. Even though he thought that

1011
00:48:01,840 --> 00:48:04,440
Speaker 1: he won five hundred dollars, he was like, bank, that's

1012
00:48:04,440 --> 00:48:07,319
Speaker 1: not five hundred, Mandy, you would have been rolling we're

1013
00:48:07,360 --> 00:48:09,200
Speaker 1: at the bank, which is like weird because who goes

1014
00:48:09,239 --> 00:48:11,359
Speaker 1: to the bank, but whatever, and I guess he checked

1015
00:48:11,360 --> 00:48:13,000
Speaker 1: his balance. He was like let's go. I'm like, why

1016
00:48:13,040 --> 00:48:14,959
Speaker 1: are we rushing out? He was like this five hundred

1017
00:48:15,000 --> 00:48:17,880
Speaker 1: dollars in by account And I was like, sir, like

1018
00:48:18,040 --> 00:48:20,040
Speaker 1: either way, if it's not your't they gotta come get it?

1019
00:48:20,160 --> 00:48:21,680
Speaker 1: Like what do you think is happening? And so we

1020
00:48:21,719 --> 00:48:23,560
Speaker 1: asked the front and like you know, they looked at

1021
00:48:23,600 --> 00:48:25,480
Speaker 1: his account. They're like, oh, your security card and you've

1022
00:48:25,480 --> 00:48:27,120
Speaker 1: done well with it for like the last six months

1023
00:48:27,160 --> 00:48:29,359
Speaker 1: or eight months or whatever, and we made a regular card,

1024
00:48:29,400 --> 00:48:31,759
Speaker 1: so we just gave you back your security basically. And

1025
00:48:31,760 --> 00:48:33,120
Speaker 1: I looked at him like you were about to go

1026
00:48:33,160 --> 00:48:35,320
Speaker 1: out there and trick up your money, your own money.

1027
00:48:35,480 --> 00:48:37,440
Speaker 2: Well, then they need to notify you. See, you don't

1028
00:48:37,440 --> 00:48:38,279
Speaker 2: get confused.

1029
00:48:39,040 --> 00:48:40,480
Speaker 1: He was so exciting.

1030
00:48:40,560 --> 00:48:44,640
Speaker 2: He was like, we didn't make a withdrawal.

1031
00:48:46,480 --> 00:48:47,600
Speaker 1: I know, let's go, let's go.

1032
00:48:47,760 --> 00:48:51,000
Speaker 2: I was like, what, yeah, how many? How many headlines

1033
00:48:51,040 --> 00:48:53,200
Speaker 2: to be? We always see the one like once every

1034
00:48:53,280 --> 00:48:55,560
Speaker 2: few or a few months. There's always a headline like

1035
00:48:55,920 --> 00:49:00,279
Speaker 2: so and so spent like a multi thousand dollars, you know,

1036
00:49:00,480 --> 00:49:02,759
Speaker 2: mysterious deposited the bank account, and then so and so

1037
00:49:03,160 --> 00:49:05,360
Speaker 2: got arrested or so and so, you know, get clawed

1038
00:49:05,440 --> 00:49:08,719
Speaker 2: back by the bank. You don't Unlike, it's one thing,

1039
00:49:08,800 --> 00:49:10,960
Speaker 2: you know, recently, I got to pay out from like

1040
00:49:10,960 --> 00:49:13,680
Speaker 2: an old insurance claim I completely forgot about, and like,

1041
00:49:13,719 --> 00:49:15,520
Speaker 2: I'm not going to do my due diligence to make

1042
00:49:15,560 --> 00:49:18,080
Speaker 2: sure that, you know, go back and remember what this

1043
00:49:18,200 --> 00:49:19,719
Speaker 2: check is all about or what it was like from

1044
00:49:19,760 --> 00:49:21,920
Speaker 2: three years ago. I called them, they said, yes, it's

1045
00:49:21,920 --> 00:49:23,839
Speaker 2: a fine to cash it, So I cashed it. But

1046
00:49:23,960 --> 00:49:26,080
Speaker 2: like a bank, I don't know. I feel like that's

1047
00:49:26,080 --> 00:49:28,160
Speaker 2: the one thing if you get a mysterious bank deposit

1048
00:49:28,239 --> 00:49:30,760
Speaker 2: that's you don't want to just assume that it's yours

1049
00:49:31,239 --> 00:49:35,080
Speaker 2: because it's not. Prallly ain't. But yeah, secured cards. I'm

1050
00:49:35,080 --> 00:49:38,000
Speaker 2: going to actually last year for the Liberature Challenge Magnify Money,

1051
00:49:38,080 --> 00:49:40,840
Speaker 2: we did like a secured credit card guide right for

1052
00:49:41,000 --> 00:49:44,880
Speaker 2: your Liberature participants, So I might just resurrect that and

1053
00:49:44,960 --> 00:49:47,440
Speaker 2: put that in the show notes if you're looking for

1054
00:49:47,520 --> 00:49:50,160
Speaker 2: a secured card, and also if you're like brand new

1055
00:49:50,400 --> 00:49:54,240
Speaker 2: and you just started college or you graduated from college

1056
00:49:54,239 --> 00:49:56,120
Speaker 2: and you didn't have any credit while you were in college,

1057
00:49:56,160 --> 00:49:58,520
Speaker 2: don't have any student loans or whatever, then a secured

1058
00:49:58,560 --> 00:49:59,880
Speaker 2: card is a good way to build credit, even if

1059
00:49:59,920 --> 00:50:01,840
Speaker 2: you like it's not just for people who have bad credit.

1060
00:50:01,840 --> 00:50:04,600
Speaker 2: It's also good if you don't have any credit, yeah,

1061
00:50:04,680 --> 00:50:05,400
Speaker 2: to rebuild it.

1062
00:50:06,000 --> 00:50:08,640
Speaker 1: And also, what do you think about self Lender? Thus far,

1063
00:50:08,880 --> 00:50:10,080
Speaker 1: I've liked them.

1064
00:50:10,520 --> 00:50:13,040
Speaker 2: I don't have enough about self Lender. I know, I

1065
00:50:13,120 --> 00:50:15,960
Speaker 2: know enough to be like, I don't know if I

1066
00:50:16,040 --> 00:50:16,640
Speaker 2: trust this.

1067
00:50:17,320 --> 00:50:19,879
Speaker 1: Well. I a year ago I started doing a little

1068
00:50:19,880 --> 00:50:21,879
Speaker 1: bit of research on them, and a bunch of because

1069
00:50:21,920 --> 00:50:24,800
Speaker 1: a bunch of dream Catchers, you know, the budgetiese. The gang.

1070
00:50:25,320 --> 00:50:27,680
Speaker 1: They started saying signing up on their own. So I

1071
00:50:27,719 --> 00:50:29,160
Speaker 1: was like, and they would ask me my opinion, and

1072
00:50:29,160 --> 00:50:31,680
Speaker 1: I was always like, well, I can't. I can't, you know,

1073
00:50:31,760 --> 00:50:33,880
Speaker 1: give a thumbs up to anything that I have not

1074
00:50:34,520 --> 00:50:36,560
Speaker 1: signed up and use. So I did just to see

1075
00:50:37,000 --> 00:50:39,200
Speaker 1: and honestly that's far. I mean, well, my credit score

1076
00:50:39,440 --> 00:50:42,440
Speaker 1: was pretty good already, so I was a hard gauge,

1077
00:50:42,480 --> 00:50:45,400
Speaker 1: you know, because I'm in the eight hundreds. But I

1078
00:50:46,160 --> 00:50:48,439
Speaker 1: certainly didn't drop anything. So the way self Lender works,

1079
00:50:48,440 --> 00:50:52,520
Speaker 1: for those of you listening, is that self lender. You

1080
00:50:52,520 --> 00:50:55,000
Speaker 1: you sign up for self lender, I always say, borrow

1081
00:50:55,160 --> 00:50:57,560
Speaker 1: the smallest amount possible, which is I think it's five

1082
00:50:57,640 --> 00:51:01,320
Speaker 1: hundred dollars. But when you're borrowing quote five hundred dollars,

1083
00:51:01,360 --> 00:51:03,439
Speaker 1: they're not actually giving you the five hundred. They're putting

1084
00:51:03,440 --> 00:51:05,160
Speaker 1: it in that same money market account like we talked

1085
00:51:05,160 --> 00:51:08,680
Speaker 1: about before, and then you pay it back every month,

1086
00:51:08,800 --> 00:51:11,719
Speaker 1: and I think it's like maybe like a forty nine

1087
00:51:11,760 --> 00:51:14,200
Speaker 1: bucks or whatever it is. And then at the end

1088
00:51:14,239 --> 00:51:16,720
Speaker 1: of the year you have paid back the five hundred,

1089
00:51:17,440 --> 00:51:20,320
Speaker 1: and then they basically give you that money back because

1090
00:51:20,680 --> 00:51:23,359
Speaker 1: you never actually got it. So you're basically putting up

1091
00:51:23,440 --> 00:51:25,560
Speaker 1: the money. You get that lump sum back, that five

1092
00:51:25,640 --> 00:51:27,920
Speaker 1: hundred back, and I think it costs by the time

1093
00:51:27,920 --> 00:51:29,400
Speaker 1: it's all said and done, it costs like maybe like

1094
00:51:29,440 --> 00:51:31,959
Speaker 1: I don't know, I want to say twenty or thirty

1095
00:51:31,960 --> 00:51:34,319
Speaker 1: bucks or whatever, like that's the quote unquote fee, because

1096
00:51:34,360 --> 00:51:37,800
Speaker 1: you're gonna be paying the monthly amount plus a little

1097
00:51:37,840 --> 00:51:40,040
Speaker 1: interest every month, and so it ends up being about

1098
00:51:40,040 --> 00:51:42,440
Speaker 1: twenty something bucks from what I remember. What I like

1099
00:51:42,440 --> 00:51:45,440
Speaker 1: about self lender is that one you know, as you're

1100
00:51:45,480 --> 00:51:48,399
Speaker 1: paying the monthly fee or you're paying the monthly, you know,

1101
00:51:48,719 --> 00:51:51,480
Speaker 1: the five hundred dollars off in monthly increments, it shows

1102
00:51:51,960 --> 00:51:54,640
Speaker 1: for twelve months that you've paid every single month, So

1103
00:51:54,680 --> 00:51:56,319
Speaker 1: that's what's supposed to raise your credit score. And at

1104
00:51:56,360 --> 00:51:58,040
Speaker 1: the end, or you pay it off, you get an

1105
00:51:58,040 --> 00:52:00,160
Speaker 1: additional boost because you paid off the debt in full,

1106
00:52:00,480 --> 00:52:02,960
Speaker 1: even though you technically didn't get that money. And then

1107
00:52:03,000 --> 00:52:05,239
Speaker 1: it's a savings tool and that you get that lump

1108
00:52:05,239 --> 00:52:08,960
Speaker 1: sum back to you. So thus far, honestly, I've liked.

1109
00:52:08,960 --> 00:52:11,120
Speaker 1: It's been about a year, so I can confidently say

1110
00:52:11,120 --> 00:52:16,319
Speaker 1: I haven't had any negative feedback about self Lender. I

1111
00:52:16,360 --> 00:52:17,880
Speaker 1: signed up, and like I said, for me, it's a

1112
00:52:17,920 --> 00:52:20,000
Speaker 1: little weird because I already had good credit. So I

1113
00:52:20,120 --> 00:52:23,480
Speaker 1: definitely have heard people varying degrees of success as far

1114
00:52:23,480 --> 00:52:27,200
Speaker 1: as credit score bump. So you know, some people like

1115
00:52:27,239 --> 00:52:29,120
Speaker 1: you know, oh, I've raised one hundred something points and

1116
00:52:29,160 --> 00:52:31,480
Speaker 1: some people twenty. So it all depends on like your

1117
00:52:31,480 --> 00:52:34,480
Speaker 1: other credit stuff. And what I really like about self

1118
00:52:34,520 --> 00:52:38,360
Speaker 1: lenders is there's no inquiry. They don't. You don't get

1119
00:52:38,640 --> 00:52:41,880
Speaker 1: approved by self lender based upon your credit history. You

1120
00:52:41,920 --> 00:52:44,640
Speaker 1: get approved based upon what's called check systems, which is

1121
00:52:44,680 --> 00:52:48,440
Speaker 1: basically like the bank's tattletale system. So if you overdraft

1122
00:52:48,440 --> 00:52:51,520
Speaker 1: with a bank and don't pay them back or you

1123
00:52:51,600 --> 00:52:53,759
Speaker 1: owe the bank money, they will report you to check

1124
00:52:53,840 --> 00:52:56,400
Speaker 1: systems and they'll basically other banks won't mess with you

1125
00:52:56,480 --> 00:52:59,520
Speaker 1: as a result. So self lender just looks there and says,

1126
00:52:59,640 --> 00:53:01,600
Speaker 1: have you and reported the check systems and the answer

1127
00:53:01,680 --> 00:53:04,040
Speaker 1: is no, then you'll then you can check, then you'll

1128
00:53:04,120 --> 00:53:06,040
Speaker 1: you can sign up for self lender, So it's not

1129
00:53:06,120 --> 00:53:09,440
Speaker 1: it's not contingent upon your your credit score, credit report.

1130
00:53:09,800 --> 00:53:12,359
Speaker 2: So so basically self lender is like a secured card,

1131
00:53:12,360 --> 00:53:14,840
Speaker 2: except as an online loan, and you're not like actually

1132
00:53:14,880 --> 00:53:16,720
Speaker 2: swiping a card exactly.

1133
00:53:16,760 --> 00:53:19,879
Speaker 1: And what's different is that because a lot of people

1134
00:53:19,880 --> 00:53:22,840
Speaker 1: don't have the five or six hundred for the for

1135
00:53:22,920 --> 00:53:24,839
Speaker 1: the secured card that you have to put up, so

1136
00:53:24,840 --> 00:53:27,800
Speaker 1: self lender doesn't require that. They basically say, hey, Mandy,

1137
00:53:28,239 --> 00:53:30,799
Speaker 1: you're gonna borrow five hundred from us, but we're not

1138
00:53:30,800 --> 00:53:32,920
Speaker 1: gonna give it to you. We're gonna put it up,

1139
00:53:33,200 --> 00:53:35,920
Speaker 1: but you're gonna pay it back, and then once you

1140
00:53:35,920 --> 00:53:37,680
Speaker 1: finished paying it back, we've got to give your money back.

1141
00:53:37,920 --> 00:53:39,680
Speaker 1: So it's so if you don't have the money for

1142
00:53:39,719 --> 00:53:41,839
Speaker 1: secured card. It's another option. That's what I like about

1143
00:53:41,840 --> 00:53:44,400
Speaker 1: it because not everybody has five or six hundred dollars.

1144
00:53:45,000 --> 00:53:48,120
Speaker 2: Yeah, that's absolutely true. That's interesting. I actually Magnified Money

1145
00:53:48,120 --> 00:53:50,600
Speaker 2: did a review on this right before I started last year,

1146
00:53:51,160 --> 00:53:53,800
Speaker 2: and I'll post that as well. It'll just kind of

1147
00:53:53,840 --> 00:53:55,759
Speaker 2: break down what Tiffany was just talking about how self

1148
00:53:55,800 --> 00:53:59,040
Speaker 2: lender works, pros and cons and other ways to build credit.

1149
00:53:59,600 --> 00:54:01,120
Speaker 1: Yeah, I said a bunch of ways, and that's the word.

1150
00:54:01,320 --> 00:54:03,040
Speaker 1: You can also sign up for the Live Riture Challenge.

1151
00:54:03,080 --> 00:54:05,440
Speaker 1: Me and Mandy you know, we're integral parts. I mean

1152
00:54:05,600 --> 00:54:06,600
Speaker 1: obviously I was, but.

1153
00:54:06,840 --> 00:54:08,360
Speaker 2: Yes, he was around.

1154
00:54:10,280 --> 00:54:13,000
Speaker 1: But no, it's totally free and we partner with Magnify

1155
00:54:13,080 --> 00:54:15,120
Speaker 1: Money and then every week you guys get to because

1156
00:54:15,120 --> 00:54:16,640
Speaker 1: we had such a good time, we do like me

1157
00:54:16,680 --> 00:54:19,560
Speaker 1: and Mandy did like a weekly powow to talk about

1158
00:54:19,600 --> 00:54:21,839
Speaker 1: the challenge. And so if you go to l RC

1159
00:54:22,040 --> 00:54:25,239
Speaker 1: credit dot com, it's totally free, it's awesome, and there's

1160
00:54:25,239 --> 00:54:29,120
Speaker 1: a bunch of Magnified Money like resources and stuff in there.

1161
00:54:29,160 --> 00:54:33,160
Speaker 1: So l RC Credit for Literature Challenge dot com And

1162
00:54:33,440 --> 00:54:35,480
Speaker 1: if you want to raise your credit score without having

1163
00:54:35,480 --> 00:54:36,719
Speaker 1: to pay anybody to help you.

1164
00:54:50,200 --> 00:54:53,600
Speaker 4: Okay, it's time for Windesday.

1165
00:54:54,000 --> 00:54:55,879
Speaker 1: Get it Wednesday. I did that last week.

1166
00:54:55,880 --> 00:54:57,640
Speaker 2: I did, right, you did. But it's still good.

1167
00:54:58,040 --> 00:55:04,000
Speaker 1: Yes, it's still good Wednesday. Yeah, but I'm bump chain.

1168
00:55:04,040 --> 00:55:06,120
Speaker 1: We'll be here all night, all right, So when do

1169
00:55:06,160 --> 00:55:07,920
Speaker 1: you go first? Because I'm still thinking about my winning.

1170
00:55:08,320 --> 00:55:10,919
Speaker 2: Yeah, So I rewatched Hidden Figures over the weekend because

1171
00:55:10,920 --> 00:55:14,360
Speaker 2: it's just becoming it's becoming my favorite feel good movie.

1172
00:55:14,400 --> 00:55:17,480
Speaker 2: But I wanted to give a special special shout out

1173
00:55:17,560 --> 00:55:20,920
Speaker 2: because Catherine Johnson, who was portrayed by, of course, to

1174
00:55:21,000 --> 00:55:26,200
Speaker 2: Roji p Henson in the movie NASA. Oh, I'm pulling

1175
00:55:26,239 --> 00:55:28,880
Speaker 2: up the headline now, NASA decided to honor her and

1176
00:55:28,920 --> 00:55:31,960
Speaker 2: gave her a dedicate, dedicated a new research facility to

1177
00:55:32,080 --> 00:55:36,240
Speaker 2: her after decades of her being a quote unquote hidden figure.

1178
00:55:36,560 --> 00:55:39,000
Speaker 2: And if you haven't seen Hidden Figures, you must. You

1179
00:55:39,120 --> 00:55:40,839
Speaker 2: must go out and see it right now. It's such

1180
00:55:40,880 --> 00:55:43,800
Speaker 2: a good movie. But to Catherine Johnson, who's like, I

1181
00:55:43,840 --> 00:55:45,360
Speaker 2: don't know how old is she not like a hundred

1182
00:55:45,480 --> 00:55:50,319
Speaker 2: or something, just finally getting her dues, I love that.

1183
00:55:52,320 --> 00:55:55,920
Speaker 1: For me, my win is just brown women because I

1184
00:55:55,920 --> 00:55:58,120
Speaker 1: feel like right now we're really I mean not that

1185
00:55:58,160 --> 00:56:00,160
Speaker 1: we haven't been slaying, but I feel like the all

1186
00:56:00,160 --> 00:56:02,879
Speaker 1: the starting to you know, starting to realize, like from

1187
00:56:03,000 --> 00:56:07,040
Speaker 1: Rihanna and Fancy Beauty from like you said, hidden Figures

1188
00:56:07,080 --> 00:56:09,839
Speaker 1: from like A Girl's Trip. I just feel like there's

1189
00:56:09,880 --> 00:56:13,959
Speaker 1: this uptick and trend in like brown girl dopeness that

1190
00:56:14,000 --> 00:56:16,600
Speaker 1: we knew, like in our brown girl community. But I

1191
00:56:16,600 --> 00:56:18,640
Speaker 1: feel as the world is like, hold up, wait a minute.

1192
00:56:18,680 --> 00:56:21,719
Speaker 1: I'm like, yeah, we've we've been lit. What we've been lit?

1193
00:56:22,280 --> 00:56:26,040
Speaker 1: You just now notice it best kept secret? Yes, And

1194
00:56:26,080 --> 00:56:29,000
Speaker 1: I just feel like, you know that it's like, you know,

1195
00:56:29,200 --> 00:56:31,280
Speaker 1: what is it was it Forbes that had that article

1196
00:56:31,280 --> 00:56:34,239
Speaker 1: that said the fastest growing group that is that are

1197
00:56:34,239 --> 00:56:38,799
Speaker 1: starting businesses, it's black women. And so browness overall is

1198
00:56:38,920 --> 00:56:41,520
Speaker 1: just really rocking out. And I just, you know, just

1199
00:56:41,520 --> 00:56:43,000
Speaker 1: want to give a shout out to my other brown

1200
00:56:43,040 --> 00:56:44,840
Speaker 1: sisters out here in this struggle, just trying to be

1201
00:56:44,880 --> 00:56:48,279
Speaker 1: cute and fly and maintain life. And we see you

1202
00:56:49,239 --> 00:56:51,839
Speaker 1: and and we just enjoy you because we know that

1203
00:56:52,200 --> 00:56:54,120
Speaker 1: you make up the majority of our audience. Although we

1204
00:56:54,160 --> 00:56:56,640
Speaker 1: love you all, you know, just a little shout out

1205
00:56:56,680 --> 00:57:00,400
Speaker 1: to the brown Brown ambition sistars.

1206
00:57:00,600 --> 00:57:03,919
Speaker 2: To piggyback, though I feel like it's not just it's

1207
00:57:03,920 --> 00:57:06,320
Speaker 2: not just it's it's brown women, but it's also brown

1208
00:57:06,360 --> 00:57:10,080
Speaker 2: women supporting brown women. It's like a lot of there's

1209
00:57:10,120 --> 00:57:12,960
Speaker 2: just real sense of community and like holding people up

1210
00:57:13,040 --> 00:57:15,440
Speaker 2: and letting them shine and shining lights and other people

1211
00:57:15,880 --> 00:57:18,760
Speaker 2: and it's just it. It goes against every stereotype out there.

1212
00:57:18,760 --> 00:57:23,120
Speaker 2: I think of how women interact with one another, you know,

1213
00:57:23,320 --> 00:57:25,720
Speaker 2: even at I don't know, I just I just feel it.

1214
00:57:25,760 --> 00:57:27,400
Speaker 2: I feel like the women in my life, you know,

1215
00:57:27,440 --> 00:57:31,040
Speaker 2: the older I get, become even more important and you know,

1216
00:57:31,480 --> 00:57:33,960
Speaker 2: shout out to women helping women. I love that gift

1217
00:57:34,080 --> 00:57:36,600
Speaker 2: of like have you seen it with that? You know,

1218
00:57:36,720 --> 00:57:38,400
Speaker 2: you know, I'm not even describe it. You know what

1219
00:57:38,440 --> 00:57:39,200
Speaker 2: I'm talking about.

1220
00:57:39,360 --> 00:57:41,160
Speaker 1: It's like the women lifting each other up and it's

1221
00:57:41,200 --> 00:57:44,120
Speaker 1: so dope. It's like a cartoon. Yeah yeah, yeah, yeah,

1222
00:57:44,200 --> 00:57:45,560
Speaker 1: I love that gift. I feel like, now you have

1223
00:57:45,560 --> 00:57:50,040
Speaker 1: to find an input inside the home. So yeah, now

1224
00:57:50,080 --> 00:57:55,080
Speaker 1: it's time to say goodbye to all our family. Bro

1225
00:57:55,200 --> 00:58:00,200
Speaker 1: o wn ambitchun. That was good.

1226
00:58:00,320 --> 00:58:03,600
Speaker 2: And now I know what the reference is what Nicky

1227
00:58:03,640 --> 00:58:05,280
Speaker 2: Girls Club. You told me that one time. I didn't

1228
00:58:05,280 --> 00:58:07,880
Speaker 2: know what it was. Oh yeah, it was the whole thing. Now,

1229
00:58:07,920 --> 00:58:10,520
Speaker 2: I know the education of Mandy.

1230
00:58:11,120 --> 00:58:15,160
Speaker 1: Yeah, it's a miseducation of Bandy