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Speaker 1: Hey, hey, hey, it's me Tiffany the budgeinistall.

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Speaker 2: Hey, guys, it's Mandy Hope. Everyone's having a nice post

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Speaker 2: Fourth of July.

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Speaker 3: Back at work if you're working.

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Speaker 2: And not on vacation somewhere, all right, tell me about

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Speaker 2: Essence Fest. I can't wait to hear all about it.

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Speaker 4: Oh my goodness, so many people gave me double hugs,

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Speaker 4: one for me and one for you.

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Speaker 1: And although I did want to take pictures, but I

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Speaker 1: mean I took a few, but honestly, it was it

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Speaker 1: was just so packed. Somebody literally just posted on Instagram

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Speaker 1: the perfect description of Essence Fest.

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Speaker 4: It was. They said Essence Fest both too much and

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Speaker 4: not enough.

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Speaker 1: There were so many pe boom they said that the

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Speaker 1: numbers almost doubled everyone even like so whenever you go

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Speaker 1: to essence you know obviously you're taking like ubers. All

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Speaker 1: the natives were like, yo, We've never in the history

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Speaker 1: of all things New Orleans ever seen the crowds like this.

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Speaker 4: Wow, Like it was so.

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Speaker 1: Bad, Like I had to walk everywhere, like even though

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Speaker 1: like typically like you know, they have like a car

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Speaker 1: if you're speaking for a brand will pick you up

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Speaker 1: and take you to the to the convention Center. No,

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Speaker 1: it was just shorter to walk the half a mile.

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Speaker 1: Can you imagine like full face sweating in New Orleans? Ea,

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Speaker 1: like I'll just walk the half of the Yeah it was, Yeah,

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Speaker 1: it was. But at the same time, you know, the

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Speaker 1: food was still amazing. People were so great. There was

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Speaker 1: no major incident. It was just girls trip, you know.

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Speaker 3: The Queen Latifa effect.

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Speaker 4: Yeah, for real.

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Speaker 1: And but like other than that though, you know, essence

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Speaker 1: Fest was was awesome.

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Speaker 4: I mean, Mary J.

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Speaker 1: Blige, that was my favorite day. I didn't I don't

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Speaker 1: usually go to all the concerts. I usually pick one

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Speaker 1: day to like kind of hang out, and I went

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Speaker 1: Saturday and Mary like just she performed her heart out.

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Speaker 3: How is she?

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Speaker 2: Remember last year when you came back from Essence Fest

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Speaker 2: and you were just like, man, I went to this

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Speaker 2: session and act like Mary J. Blige spoke and everyone

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Speaker 2: seems so depressed.

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Speaker 3: How is she?

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Speaker 1: He seems more speisty now, like she was just on

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Speaker 1: stage like y'all already know what I'm going through, you know,

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Speaker 1: all my business anyway, and I'm happy to be rid

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Speaker 1: of him. But now he's trying to take me through

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Speaker 1: all this other stuff. But that's Okay, so she's like,

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Speaker 1: come out of the whole. My life is the worst too,

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Speaker 1: you know what, You're not gonna steal my joy.

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Speaker 2: We were like, yes day, well, shout out to her

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Speaker 2: for being so transparent about it.

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Speaker 1: Yeah, And it was just so funny because she was like,

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Speaker 1: y'all know you know what, y'all know my business, so

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Speaker 1: let's just do this. And she literally said that, and

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Speaker 1: I was like, look at Mary, and so yeah, she

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Speaker 1: seemed like in a better space, like definitely I'm going

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Speaker 1: through it, but I'm I'm past the worst of it,

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Speaker 1: like he's gone, you know. Yeah, so yeah, so, but honestly,

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Speaker 1: it was just good times. I have to say, like,

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Speaker 1: you know, Normal is just an amazing city. The food

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Speaker 1: is amazing, the people are so so so so so nice.

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Speaker 1: There's so many things to do and see it Essen inspecially,

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Speaker 1: you just can't even take.

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Speaker 4: It all in. Yeah, so you know, it's just amazing times.

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Speaker 2: What were some of you Did you get to go

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Speaker 2: into any sessions or were you like all other stuff?

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Speaker 4: Yeah?

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Speaker 1: No, I didn't even Like last year, I think the

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Speaker 1: major one I really wanted to go to, like I

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Speaker 1: wanted to go see Oprah, you know, so because obviously,

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Speaker 1: I mean it's Oprah. But no, because Thursday when we landed,

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Speaker 1: Thursday's not I call it like the unofficial day. Friday

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Speaker 1: I was like working most of the day, and Saturday

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Speaker 1: I worked especially most of the day, and honestly, Sunday,

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Speaker 1: my sisters and I just wanted to enjoy. So we

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Speaker 1: just did the convention center. We went to eat the hotel.

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Speaker 1: We were saying in the restaurant in the hotel, it's

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Speaker 1: called Old seventy seven. That's the name of the hotel.

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Speaker 1: The chef won a James Beard Award, which is like huge,

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Speaker 1: you know, and so we wanted to like try it,

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Speaker 1: and so we just had like an eating day on Sunday.

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Speaker 1: So no, no real like session other than the ones

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Speaker 1: that I I, you know, was speaking.

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Speaker 2: At where your sister's just running around enjoying.

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Speaker 1: Yeah, well a lot this time, you know that my

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Speaker 1: sister Tracy especially, she wanted to kind of come and

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Speaker 1: see like what it looked like behind the scenes, so,

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Speaker 1: you know, because you it's different, you know, and I

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Speaker 1: can honestly I'm not. I have not gone to Essence

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Speaker 1: Best where I wasn't a speaker, so she definitely said

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Speaker 1: it was a different experience because last year they did

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Speaker 1: a lot more kind of like touristy stuff and this year,

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Speaker 1: you know, when you're a speaker.

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Speaker 4: They're like, go to this room, put on this mic.

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Speaker 4: Are you ready? Go ahead?

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Speaker 1: He's just you know, so it's She's like, it was fun,

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Speaker 1: but it's just a different experience.

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Speaker 4: So but they said they really enjoyed themselves.

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Speaker 2: What were some of the panels that you did, Like,

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Speaker 2: what were what were some of the most interesting things

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Speaker 2: people said on the panels you did well?

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Speaker 4: I did. Probably my favorite panel was for Ford on Saturday.

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Speaker 4: I did.

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Speaker 1: They really have this big push for black women entrepreneurs

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Speaker 1: right now at Ford, and they did a pitch contest

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Speaker 1: where some really dope women who had in the amazing

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Speaker 1: businesses they pitched to me, which I was like, this

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Speaker 1: is fun, and so I have to kind of whittle

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Speaker 1: them down until three finalists and then the Dreamcatchers and

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Speaker 1: y'all will see it too, and you guys will get

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Speaker 1: to vote and the winner will win a two year

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Speaker 1: least for Ford Explorer to use toward growing their business.

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Speaker 1: And so that was really fun just to see people's

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Speaker 1: pitches and be like, oh, like it's hard, it's hard

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Speaker 1: because Ford is one of the major major sponsors. So

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Speaker 1: there's like four I think like McDonald's, Coca Cola, and Walmart,

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Speaker 1: and so they're like the four major sponsors. So they

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Speaker 1: had huge stages in the convention center. So you like

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Speaker 1: we were sitting on the main main stage where like

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Speaker 1: hundreds and hundreds and hundreds people are watching. So it

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Speaker 1: was definitely nerve wracking, and I was like, oh, better

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Speaker 1: y'all than me, because I'd be nervous too.

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Speaker 4: But they all rocked out and so that was probably

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Speaker 4: the funnest.

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Speaker 3: And what business can you talk about? The businesses? Like

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Speaker 3: what some of them?

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Speaker 1: Yeah, So there's one that you guys might know called.

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Speaker 1: Her name is Arsha Jones. She has a business called

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Speaker 1: Capital City where she makes something called Mumbo Sauce.

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Speaker 4: Are you familiar? Mandy was like, what mumbo sauce is?

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Speaker 4: It's like it's like a yeah, so it's like a

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Speaker 4: DC kind of like Maryland kind of Like I don't

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Speaker 4: do you know the taste of it. I don't think

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Speaker 4: I've ever had it. I've heard it's like a like

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Speaker 4: a tangy barbecue slash. It's a specific sauce in that region.

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Speaker 2: Right, But I've never tried it before, but I've heard

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Speaker 2: of it.

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Speaker 3: I wonderful has Old Day in it.

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Speaker 2: It's from Maryland, Maryland, yes, right, but.

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Speaker 1: It's very like if you're from that area, you know

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Speaker 1: Mumbo sauce. But she's the first person to to make it,

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Speaker 1: to like make it into like a business. So she

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Speaker 1: bottled it, created her own version of it. And I

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Speaker 1: mean it's like in like all of these stores. I

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Speaker 1: believe it's in like Target. She's like in big box stores.

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Speaker 1: So she owns like some crazy sized warehouse. She like

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Speaker 1: you know, ships and bottles her her mumbo sauce. So

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Speaker 1: it was just a dope business. I was like, why

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Speaker 1: is she pitching to me? I need to be sitting

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Speaker 1: here pitching her. But that was a dope one. There's

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Speaker 1: a young woman named Lola who owns Lola International, I

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Speaker 1: believe makeup, so she does celebrity makeup.

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Speaker 4: She did mine that day. She was awesome. There was

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Speaker 4: another woman which I love her.

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Speaker 1: Her business is called Sanai Apple Sauce, so she I

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Speaker 1: guess after doing some research, she found that apple sauce

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Speaker 1: is actually really really healthy, but that adults tend to

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Speaker 1: think of apple sauce as like a kid treat. So

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Speaker 1: she wanted to change it that by creating like an

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Speaker 1: adult apple sauce, where like the packaging was adult, it

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Speaker 1: was really healthy for you, all fresh ingredients. So that

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Speaker 1: was really nice. And then there was a like one

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Speaker 1: in particular called the honey Pot, which I thought was

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Speaker 1: dope black woman who who found out she had I

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Speaker 1: think bacterial baginosis or something was suffered for it for

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Speaker 1: a while, only to find out that like you know,

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Speaker 1: that she could have through like special herbs or whatever,

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Speaker 1: that you could basically like you know, vaginal health. And

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Speaker 1: so she created a business to help women, especially women

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Speaker 1: of color, take care of our you know, our vaginas

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Speaker 1: I said, vaginals.

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Speaker 2: I love that you had to say the word vagina

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Speaker 2: like six times in the thirty second period.

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Speaker 3: That was impressive. Vaginal girl, Clean badge Club. That's awesome.

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Speaker 3: So you can your vaginal health things that you what

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Speaker 3: is So what does she sell?

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Speaker 2: Like?

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Speaker 4: It's like, uh, you.

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Speaker 1: Know what I mean, it's literally I know honestly, I

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Speaker 1: was like, you know what, more power to her because

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Speaker 1: you know, to get up on stage and to share like,

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Speaker 1: oh hey, I had vaginosis by the way, you know,

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Speaker 1: Like so she sounds like she's it's like this. I

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Speaker 1: don't I'm looking at it now. It's like it looks

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Speaker 1: like this pump where I guess she's wipes, feminine plant

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Speaker 1: based care, herbal infused pads with wings.

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Speaker 4: Oh wow, Okay, I don't know she sold pads. Look,

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Speaker 4: give me was I paying attention? So she it looks

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Speaker 4: like she sells kind of like.

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Speaker 1: Things to you know, clean your vagina as well as

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Speaker 1: like pads to make sure that you know you are

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Speaker 1: protecting yourself because a lot of times I never heard that. Well,

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Speaker 1: I guess I kind of knew that sometimes there's like

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Speaker 1: a lot of unsafe levels of chemicals and those pads

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Speaker 1: and your vaginas you know, it is an opening and

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Speaker 1: so like you know, these these chemicals can can easily

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Speaker 1: creep up inside and make for an unhealthy vagina.

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Speaker 2: Yes, vagina. We could do a whole vagina episode.

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Speaker 3: I love.

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Speaker 2: I'm loving where this conversation is going. I could talk

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Speaker 2: about vaginal health like all day air day.

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Speaker 1: I know, And honestly, I was like, should I be

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Speaker 1: Simon Carroll? Like should I be prola Abdul? Should I

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Speaker 1: be Randy?

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Speaker 4: You know?

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Speaker 1: But no, honestly, it was all fun and honestly, everybody

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Speaker 1: rocked out.

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Speaker 4: So it was more so like me just giving like

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Speaker 4: positive feedback.

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Speaker 1: Like Ooh, I love how you you know, shared, how

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Speaker 1: you use forward to you know, take your business to

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Speaker 1: the next level, or I love that you know so

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Speaker 1: many of the women. I just love women because so

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Speaker 1: many of them, like their businesses were based in service,

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Speaker 1: and if it wasn't naturally inclined to be based in service,

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Speaker 1: they had somehow we've serviced into their business. And I

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Speaker 1: was like, you guys are just amazing, you know. So yeah,

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Speaker 1: it was just a really great time.

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Speaker 2: Meanwhile, in the rest of the world, what's happening? So

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Speaker 2: two things I noticed. One it's like businesses are getting

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Speaker 2: rid of straws. Have you noticed this, like the summer

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Speaker 2: when everyone realized how horrible straws offer the environment, and

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Speaker 2: they're like all Starbucks just announced they're getting rid of

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Speaker 2: their plastic straws by twenty twenty. Yeah, and in place

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Speaker 2: of it, they're creating an adult sippy cup, which is

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Speaker 2: like just imagine like I don't know, they're calling it

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Speaker 2: a sippy cup, probably just for the headlines, but I

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Speaker 2: think it's more like it's probably gonna be like kind

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Speaker 2: of the lids with like a raised opening like you

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Speaker 2: get on a coffee cup or something, a disposable coffee up.

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Speaker 3: Okay, I don't know.

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Speaker 2: I went to I went to this resort and they

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Speaker 2: were anti straw. You had to beg for a straw

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Speaker 2: to get one there, and if you did, it would

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Speaker 2: be like the paper kind of straws. So that's cool

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Speaker 2: if you want to be you know, do your part

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Speaker 2: for the environment, request no straw when you go to

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Speaker 2: a restaurant. And then I guess bitcoin is not doing

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Speaker 2: too hot because now I'm starting to see bitcoin headlines again.

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Speaker 2: It's Ben and Wilson's we talked about bitcoin. How is

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Speaker 2: your your bitcoin? Don't you have a little stash of

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Speaker 2: bitcoin on the side that you were playing with?

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Speaker 4: I did. I bought like one hundred dollars worth.

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Speaker 1: And then, you know, so even though obviously it wasn't

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Speaker 1: gonna like break the bank, I'm not gonna lie.

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Speaker 4: I'm I'm a chicken for losing money.

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Speaker 1: So after like losing like half of it, I was like,

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Speaker 1: you know what, I'll take my fifty thousand run you.

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Speaker 2: Know what, your life.

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Speaker 4: I couldn't out. I can't take I can't take it.

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Speaker 1: I can't take it, so because I wanted to just see,

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Speaker 1: like what's all the bust for what I wanted to see, like,

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Speaker 1: how do you, like, you know, buy it?

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Speaker 4: Is it as easy as people say?

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Speaker 1: And I also wanted to see what it is easy

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Speaker 1: to get your money and honestly as far as like

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Speaker 1: when it was when you sold it, and it was,

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Speaker 1: but I was just like, I am a super late adopter.

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Speaker 1: So by the time I bought it, it was way

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Speaker 1: past its prime and it was like, oh, you should

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Speaker 1: have brought me like ten years ago.

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Speaker 4: So yeah, I'm a proud bit coin deserter.

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Speaker 3: Now.

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Speaker 2: It's such a it's such a smart way to learn.

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Speaker 2: I learned the exact same thing. I put one hundred

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Speaker 2: dollars into this one company that I thought had really good,

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Speaker 2: Like I went to this rushaurant all the time, and

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Speaker 2: I just have I was like, man, I just want

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Speaker 2: to like buy some stock with the robin Hood app.

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Speaker 2: So I chose that company. I put one hundred bucks

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Speaker 2: in and things were going really well until their next

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Speaker 2: quarterly report came out and they announced they were closing

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Speaker 2: like twenty stores because they had expanded too rapidly. And

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Speaker 2: then the stock I think I've yeah, I think I've

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Speaker 2: lost about like forty five of those one hundred dollars

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Speaker 2: and I'm sitting here like.

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Speaker 3: What do I do now?

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Speaker 2: But it's like, also, oh, yeah, this is why I

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Speaker 2: don't invest in single stocks.

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Speaker 1: Yeah, yeah, honestly I do like Robinhood for that because

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Speaker 1: it's a very are you very Like it's kind of

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Speaker 1: like safe place to be, like, let me buy this

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Speaker 1: one stock and then freak out when I lose my

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Speaker 1: two dollars.

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Speaker 4: You know. So I did that all the time.

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Speaker 1: Like if I get like hot stock tips, I'm like, oh,

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Speaker 1: I said, buy this one two dollars stock.

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Speaker 4: Oh you know what, No, I knew it. I knew

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Speaker 4: it's too much. I can't do this.

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Speaker 1: Well, do you want to take some Twitter, Instagram and

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Speaker 1: Facebook street headlines see what folks are saying.

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Speaker 3: Sure, let's check the twitters.

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Speaker 1: You know what I forgot in our last in our

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Speaker 1: last episode that we talked about how we met our booze,

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Speaker 1: people really love that. I said, Oh, y'all, so nosy,

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Speaker 1: I know, I love it, you know, like, so you

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Speaker 1: guys really enjoyed that, and so we got some great feedback.

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Speaker 4: Let's see Rnell.

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Speaker 1: This is in on Twitter rnell profit Her Twitter handle

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Speaker 1: is Oh she did that.

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Speaker 4: Oh that's cute. Oh she did that? Okay right now.

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Speaker 4: She said at to be a podcast episode one thirty four.

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Speaker 4: I love how you named it. Loved the story about

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Speaker 4: house TIF met Superman all the fiels when she talked

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Speaker 4: about the sweet things he does.

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Speaker 1: My love language is acts of service, so it spoke volumes.

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Speaker 1: I want that too. Oh, dating over forty is a struggle,

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Speaker 1: ah are now?

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Speaker 4: Yeah?

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Speaker 1: Honestly, Like, I mean, you know, I met Superman. We

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Speaker 1: started like really dating like mid mid thirties, and that

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Speaker 1: was a struggle to a child. So yeah, I mean

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Speaker 1: there's no people will tell you, oh, you gotta just

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Speaker 1: do this, you gotta just do that.

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Speaker 4: No.

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Speaker 1: I felt hopeless for a long time, like I wasn't

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Speaker 1: gonna find anybody. I just decided to open myself up

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Speaker 1: to a to love looking differently than what I kind

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Speaker 1: of like, what I kind of identified for myself. And

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Speaker 1: as a results, you know, I was able to find

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Speaker 1: something different but awesome. Anything you found in these Twitter

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Speaker 1: ig or Facebook social streets?

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Speaker 3: Yeah, on Twitter or what do you call him?

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Speaker 2: Our follower Amby at Amby sweetheart. Her name's Destiny said

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Speaker 2: Shout out to the BA podcast for sharing a list

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Speaker 2: of the best credit cards for college students because I

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Speaker 2: was struggling. Hashtag per hands, hashtag double prayer hands.

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Speaker 4: Are you ready to break or boost?

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Speaker 1: Because I have actually have a break in a boost

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Speaker 1: and I cannot wait to rip into my break, especially.

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Speaker 3: I have a break. I'm break.

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Speaker 2: I'll go first. Sorry to make you wait to rip

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Speaker 2: into your to your break.

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Speaker 3: I'm gonna do a break for stitch Fix.

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Speaker 2: And I don't mean to call them out, well I do,

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Speaker 2: because that's only It's like stitch Fix is one of

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Speaker 2: these uh clothes subscription services where you fill out like

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Speaker 2: a questionnaire about what you like and your sizes and stuff,

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Speaker 2: and you pay twenty dollars a month and they'll send

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Speaker 2: you three to five I think three to five items

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Speaker 2: in the mail, and if you like them, you keep

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Speaker 2: them and you pay for them, and if you don't,

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Speaker 2: you return them and they keep that they keep that

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Speaker 2: twenty dollars and if you end up paying for them,

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Speaker 2: then they put that twenty dollars toward your purchase.

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Speaker 3: Basically, and I thought.

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Speaker 2: It would be great to take like outsource my shopping

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Speaker 2: because I hate going to the to the stores. Like

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Speaker 2: I used to be able to spend hours at outlet

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Speaker 2: stores and the mall and stuff, and now I just

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Speaker 2: I cringe anytime I have to do that.

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Speaker 3: So I thought it was a great idea.

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Speaker 2: And I gave it like three months. I gave it

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Speaker 2: a good try. I found maybe one or two things

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Speaker 2: that I liked that I kept. It didn't feel like

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Speaker 2: the clothes were different or special or cool or interesting,

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Speaker 2: and they like kind of were my style, but kind

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Speaker 2: of not. And they kind of they make it so

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Speaker 2: that you can tell your stylists because you supposedly get

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Speaker 2: a style.

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Speaker 4: You know, it was supposedly well.

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Speaker 2: It's like, you know, someone sends you a little note

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Speaker 2: saying I'm your stylist, and you know whatever. Who knows

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Speaker 2: that they're like a bot or what. Maybe they're a

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Speaker 2: real person and you give them feedback. But after that

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Speaker 2: third time, I'm a little risk averse two and I'm like,

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Speaker 2: I don't want to keep paying my twenty dollars. And

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Speaker 2: then if you if you don't purchase everything, things are

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Speaker 2: I think more expensive than they should be. I always

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Speaker 2: felt like I was paying like you would save a

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Speaker 2: lot more if you bought everything all at once, but

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Speaker 2: then I would be buying stuff that I didn't like. Well,

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Speaker 2: you get what you pay for. I guess that's what

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Speaker 2: twenty dollars buys me.

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Speaker 4: All Right, you're turn, so I'll do my I'll do

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Speaker 4: my break first and then a boostsuince that's nice.

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Speaker 1: So my break is to Tiffany the budget Nista on Instagram.

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Speaker 4: You little scam artists, So not me, Tiffany the budget LISTA.

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00:17:54,359 --> 00:17:55,560
Speaker 4: So there's actually somebody.

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Speaker 1: So my Instagram handle is at the Budgetisa, but there's

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Speaker 1: an Instagram handle where their name is literally Tiffany the Budgetista,

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Speaker 1: And so they cloned my Instagram page.

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Speaker 4: They they took they took my picture.

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Speaker 1: And they actually sent like a friend request to like

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Speaker 1: all my friends.

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Speaker 4: People are like when I say all day today, I

390
00:18:16,160 --> 00:18:16,760
Speaker 4: must have got.

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Speaker 1: Like fifty texts, emails, Facebook messages, Instagram messages.

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Speaker 4: Hey Tiffany is this you? Hate? Tiffany? Is this you?

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Speaker 1: So at first I was like, well, what's their intent

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Speaker 1: because they didn't post anything. So they've been in people's

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Speaker 1: inboxes with their very terrible English saying like hello, like

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Speaker 1: if you're like hey, and then my friend is like hey,

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Speaker 1: how you do hate tiv what's up?

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Speaker 4: Girl?

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00:18:37,160 --> 00:18:40,679
Speaker 1: They're like, do you know there is financial programs for

400
00:18:40,840 --> 00:18:45,600
Speaker 1: people with children and parents and women and like the

401
00:18:45,600 --> 00:18:48,080
Speaker 1: English is so terrible, and my friend like because my

402
00:18:48,080 --> 00:18:49,159
Speaker 1: friend took a streen jop, she.

403
00:18:49,200 --> 00:18:50,960
Speaker 4: Was like, girls, like, what the hell is Tiffy talking about.

404
00:18:51,240 --> 00:18:52,040
Speaker 4: I'm like, it's not me.

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Speaker 1: So I posted on my my IG page like with

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Speaker 1: a screenshot like this is not made to scam, please

407
00:18:57,880 --> 00:19:00,119
Speaker 1: report them. So I already went behind the scenes and

408
00:19:00,160 --> 00:19:03,320
Speaker 1: did like the official IG reporting where you have to

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Speaker 1: like take a picture of yourself holding your license, which

410
00:19:06,400 --> 00:19:08,359
Speaker 1: is like so weird, and be like it's me.

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Speaker 4: I'm the real Tipany first of.

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00:19:10,440 --> 00:19:11,880
Speaker 3: All, they spilled budgetista wrong.

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00:19:12,320 --> 00:19:13,960
Speaker 4: I know an budgety stai.

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00:19:14,160 --> 00:19:17,320
Speaker 1: I'm like, next time, like my friends, I'm like, honestly,

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00:19:17,359 --> 00:19:19,080
Speaker 1: I'm gonna want you to think highly more highly of

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00:19:19,160 --> 00:19:22,399
Speaker 1: me because that's the highest belt budget NISA. But they

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00:19:22,400 --> 00:19:25,160
Speaker 1: haven't posted anything, but apparently if you're friends with them,

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00:19:26,080 --> 00:19:28,240
Speaker 1: then they'll send you a message. I don't know what

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00:19:28,280 --> 00:19:30,640
Speaker 1: they're I mean, I'm assuming they try to scan people

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00:19:30,680 --> 00:19:32,920
Speaker 1: to sign up for whatever program and take your money

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Speaker 1: and then you'll think it to me.

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Speaker 4: I'm just hoping that people don't.

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00:19:36,000 --> 00:19:38,080
Speaker 1: But obviously if my own friends, like literally one of

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00:19:38,119 --> 00:19:42,560
Speaker 1: my closest like or like tightest friends, I'm like, Dessa really,

425
00:19:42,560 --> 00:19:44,920
Speaker 1: Like I looked at their friends lists, I'm like, really, Dessa,

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00:19:45,480 --> 00:19:47,880
Speaker 1: the person with no friends and like two friends, it's friends.

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00:19:48,119 --> 00:19:52,000
Speaker 1: Like with the misspelled budget thea You're like, oh, it's Sippany, hey,

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Speaker 1: even though we're friends already on.

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Speaker 3: Social just trying to be supportive.

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Speaker 1: I know. So what I did was like people who

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Speaker 1: I was actually friends was in real life. There's maybe

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Speaker 1: like ten of them. I messaged them. I'm like, girl,

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Speaker 1: you know that's not me, right, And they're like, oh,

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00:20:04,200 --> 00:20:09,560
Speaker 1: I was wondering. So yeah, So if you see Tiffany

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Speaker 1: the bunch Anista, it's not me. Hopefully by the time

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Speaker 1: we tape again, you'll be down.

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00:20:15,520 --> 00:20:18,000
Speaker 2: I haven't looked at your page in a while. I

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Speaker 2: just remember that picture, the throwback you posted on Father's Day.

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00:20:20,920 --> 00:20:22,720
Speaker 2: Why did you look like you were forty four years

440
00:20:22,760 --> 00:20:25,959
Speaker 2: old when you were like eight years old?

441
00:20:27,040 --> 00:20:27,680
Speaker 4: Wow?

442
00:20:28,040 --> 00:20:29,360
Speaker 3: What is then? It is that outfit?

443
00:20:29,760 --> 00:20:30,080
Speaker 4: Yes?

444
00:20:30,440 --> 00:20:32,760
Speaker 1: Meanwhile, Manny, you could not tell me in that purple

445
00:20:32,800 --> 00:20:34,520
Speaker 1: suit that I was not playing yo?

446
00:20:34,720 --> 00:20:37,480
Speaker 4: That was like mine? You can't tell me nothing in

447
00:20:37,520 --> 00:20:39,119
Speaker 4: this purple suit.

448
00:20:39,720 --> 00:20:42,080
Speaker 1: And meanwhile, like the story behind that suit, and the

449
00:20:42,119 --> 00:20:43,760
Speaker 1: reason where I'm not smiling is that that was my

450
00:20:43,800 --> 00:20:46,000
Speaker 1: first year in public school. Because when I went to

451
00:20:46,040 --> 00:20:47,919
Speaker 1: Catholic school, you got really dressed up for picture day.

452
00:20:47,960 --> 00:20:51,320
Speaker 4: So that was like my Sunday's Best. Meanwhile, for public school,

453
00:20:51,640 --> 00:20:51,960
Speaker 4: you don't.

454
00:20:52,000 --> 00:20:54,400
Speaker 1: You didn't get dressed no, no, no, And so I went

455
00:20:54,440 --> 00:20:57,800
Speaker 1: to school in my Sunday's Best first year sixth grade.

456
00:20:58,320 --> 00:21:00,360
Speaker 4: Yo. When I tell you, the kids were hollering.

457
00:21:01,040 --> 00:21:04,879
Speaker 3: Oh, I'm sorry, and you know it's so crazy.

458
00:21:04,960 --> 00:21:06,720
Speaker 4: Like now I'm a teacher, so I totally get it.

459
00:21:06,920 --> 00:21:08,639
Speaker 1: All the teachers were like, oh, because you know, as

460
00:21:08,680 --> 00:21:10,199
Speaker 1: a teacher, that is so cute that like the one

461
00:21:10,240 --> 00:21:12,280
Speaker 1: little sixth grader got her Sunday's Best on it.

462
00:21:12,359 --> 00:21:16,360
Speaker 4: I had, of course, my grandma pumps on like, oh, that.

463
00:21:16,400 --> 00:21:18,720
Speaker 3: Was the longest day ever, I bet the.

464
00:21:18,800 --> 00:21:20,240
Speaker 4: On top of that, I already had a jerry crow,

465
00:21:20,240 --> 00:21:22,399
Speaker 4: which was not the style. So I just had a

466
00:21:22,400 --> 00:21:23,919
Speaker 4: lot going on. It was a bad thing. And so

467
00:21:24,000 --> 00:21:26,080
Speaker 4: that picture I'm literally looking at the camera like take

468
00:21:26,119 --> 00:21:32,320
Speaker 4: the camp pictures. I literally ran home from school. My

469
00:21:32,359 --> 00:21:34,960
Speaker 4: mother was like, I don't care what those kids were wearing.

470
00:21:35,160 --> 00:21:36,919
Speaker 4: I'm not paying for pictures of you and jeans. I

471
00:21:37,000 --> 00:21:38,720
Speaker 4: was like, I can't do it. I don't want to

472
00:21:38,720 --> 00:21:39,320
Speaker 4: go back to school to.

473
00:21:41,560 --> 00:21:42,320
Speaker 2: Child like that.

474
00:21:43,600 --> 00:21:46,080
Speaker 1: So that was my break, which is Tiffany the Bunch

475
00:21:46,119 --> 00:21:49,280
Speaker 1: of Lisa on like I said, not that's my name

476
00:21:49,320 --> 00:21:51,439
Speaker 1: on Insta, but it's not my Instagram name. My Instagram

477
00:21:51,520 --> 00:21:52,800
Speaker 1: name is at the Bunch of Essa, So don't go

478
00:21:52,840 --> 00:21:54,600
Speaker 1: cuss me out like at the Bunche of Lisa.

479
00:21:54,640 --> 00:21:55,920
Speaker 4: But you can go cuss them out.

480
00:21:56,440 --> 00:22:00,359
Speaker 1: But my boost is so when I was there at

481
00:22:01,320 --> 00:22:03,480
Speaker 1: at Essence past sometimes you know, like I work from home,

482
00:22:03,520 --> 00:22:06,280
Speaker 1: so I don't necessarily get to see like people's reaction.

483
00:22:06,680 --> 00:22:10,159
Speaker 4: So you remember the show Living Single, Yeah.

484
00:22:09,880 --> 00:22:12,200
Speaker 2: I watched this whole weekend. I watched like the last

485
00:22:12,200 --> 00:22:12,800
Speaker 2: season again.

486
00:22:13,160 --> 00:22:14,600
Speaker 4: Yeah oh really, well you know, I mean, like I

487
00:22:14,600 --> 00:22:16,320
Speaker 4: don't want to take anything for granted. Miss what is

488
00:22:16,320 --> 00:22:16,960
Speaker 4: Golden Girls?

489
00:22:16,960 --> 00:22:18,280
Speaker 3: So you know what?

490
00:22:20,480 --> 00:22:23,560
Speaker 1: Anyway, I was like doing something called East Sweets. Essence

491
00:22:23,560 --> 00:22:25,840
Speaker 1: had like a like a like a it was kind

492
00:22:25,880 --> 00:22:29,239
Speaker 1: of like a smaller offshoot event like that Essence had

493
00:22:29,280 --> 00:22:32,040
Speaker 1: where they had like other like black business women teach

494
00:22:32,119 --> 00:22:35,400
Speaker 1: like little classes and seminars and stuff like that and panels.

495
00:22:35,840 --> 00:22:39,080
Speaker 1: And so I was there and I saw Kim Coles

496
00:22:39,119 --> 00:22:41,840
Speaker 1: who sin Clair from Living Single, so like.

497
00:22:42,080 --> 00:22:46,120
Speaker 2: She's like a motivational speaker now or something, right.

498
00:22:46,600 --> 00:22:49,040
Speaker 4: Yeah she is. And so I was in the hallway

499
00:22:49,080 --> 00:22:50,320
Speaker 4: and I hear her go oh my god, oh my god,

500
00:22:50,320 --> 00:22:51,280
Speaker 4: oh my god. I'm like, oh my yead.

501
00:22:51,320 --> 00:22:53,520
Speaker 1: I'm looking around because like mc light was there all

502
00:22:53,520 --> 00:22:56,280
Speaker 1: these people, and she runs up to me and says, hey, hey.

503
00:22:56,200 --> 00:23:02,679
Speaker 4: Hey, Madra. I was like wait what and she was like,

504
00:23:02,800 --> 00:23:05,359
Speaker 4: oh my god, Tiffy, I love you. You saved my life.

505
00:23:05,520 --> 00:23:08,520
Speaker 4: You saved my credit score. I was like wait what.

506
00:23:09,080 --> 00:23:10,800
Speaker 1: And she was like, you make my credit score jump

507
00:23:10,800 --> 00:23:12,119
Speaker 1: like Jordan and you know, like that's like one of

508
00:23:12,119 --> 00:23:12,760
Speaker 1: my phrases.

509
00:23:13,400 --> 00:23:15,960
Speaker 4: I was when I say I was gagging. I was

510
00:23:16,000 --> 00:23:16,399
Speaker 4: like wait.

511
00:23:16,480 --> 00:23:19,439
Speaker 1: I literally gets kept saying wait, okay, wait wait, and

512
00:23:19,480 --> 00:23:21,680
Speaker 1: she was like you don't understand. She said, I'm fangirling out.

513
00:23:21,720 --> 00:23:23,439
Speaker 1: She's like, is this how it feels? Because like when

514
00:23:23,480 --> 00:23:25,440
Speaker 1: people do this to me, I'm like, it feels weird.

515
00:23:25,520 --> 00:23:28,440
Speaker 4: Are you weird it out?

516
00:23:28,480 --> 00:23:30,600
Speaker 1: I didn't even say anything. I was like wait, okay, wait.

517
00:23:30,640 --> 00:23:33,119
Speaker 1: And I because I was so nervous and frazzled. I

518
00:23:33,119 --> 00:23:35,480
Speaker 1: started singing the living Living.

519
00:23:35,200 --> 00:23:41,800
Speaker 2: Single, Oh my god, short circuit, I don't know where

520
00:23:41,840 --> 00:23:43,280
Speaker 2: I'm like, you live it.

521
00:23:43,480 --> 00:23:46,440
Speaker 1: She's like looking at me like oh okay, and then

522
00:23:46,720 --> 00:23:48,600
Speaker 1: her people were trying to rush her away, and she's like, no,

523
00:23:48,640 --> 00:23:50,520
Speaker 1: I gotta get a picture of Tiffany. So we took

524
00:23:50,600 --> 00:23:53,080
Speaker 1: like a bunch of pictures and then she likes whisked off,

525
00:23:53,119 --> 00:23:56,240
Speaker 1: and I just was like, what just happened?

526
00:23:56,280 --> 00:23:57,800
Speaker 4: Like I grew up? I told her. I was like,

527
00:23:57,960 --> 00:23:59,639
Speaker 4: you know, I grew up. Who didn't grow up as

528
00:23:59,680 --> 00:24:03,760
Speaker 4: a brown girl like on Living Single? I mean, I mean.

529
00:24:03,640 --> 00:24:05,640
Speaker 1: You you're the ones who made it possible for there

530
00:24:05,640 --> 00:24:08,639
Speaker 1: to be a show friend, you know. And I was

531
00:24:08,720 --> 00:24:10,919
Speaker 1: just I just couldn't believe it that because you know,

532
00:24:10,960 --> 00:24:13,840
Speaker 1: you're like home, like huh huh, and like wait.

533
00:24:15,160 --> 00:24:16,080
Speaker 3: Where is this picture?

534
00:24:16,160 --> 00:24:18,159
Speaker 2: And why isn't she on the podcast? And when is

535
00:24:18,200 --> 00:24:18,800
Speaker 2: that happening?

536
00:24:19,560 --> 00:24:21,240
Speaker 4: You know what? I didn't even think about that? Do

537
00:24:21,280 --> 00:24:26,399
Speaker 4: you never think about that? I want to hit my

538
00:24:26,440 --> 00:24:28,000
Speaker 4: friend up because you know, now we're besties.

539
00:24:28,000 --> 00:24:30,280
Speaker 1: Actually we're not, but I'm definitely gonna hit her up,

540
00:24:30,400 --> 00:24:32,119
Speaker 1: like I think I think a friend of mine actually

541
00:24:32,119 --> 00:24:33,640
Speaker 1: friends with her on Facebook, so I'll let her friend

542
00:24:33,680 --> 00:24:35,800
Speaker 1: request and I'll definitely ask her, like, you know, if

543
00:24:35,800 --> 00:24:37,720
Speaker 1: you'd love I would love to have you on my podcast.

544
00:24:38,280 --> 00:24:40,600
Speaker 1: She was so not I just couldn't believe it, man.

545
00:24:40,440 --> 00:24:46,560
Speaker 4: Because I was just were you what'd you say? I

546
00:24:46,560 --> 00:24:47,399
Speaker 4: would have loved that.

547
00:24:50,440 --> 00:24:52,640
Speaker 3: I'm getting emotional for you and like clawing at my chest.

548
00:24:52,680 --> 00:24:55,879
Speaker 3: I don't know why. That's amazing.

549
00:24:56,040 --> 00:24:58,159
Speaker 1: I just read it and we started singing because like

550
00:24:58,160 --> 00:25:00,720
Speaker 1: my brain was like, don't know what to say, just

551
00:25:00,760 --> 00:25:01,520
Speaker 1: sing the song.

552
00:25:02,520 --> 00:25:05,040
Speaker 4: So yeah, that was definitely like I haven't even I

553
00:25:05,080 --> 00:25:05,800
Speaker 4: saved those pictures.

554
00:25:05,840 --> 00:25:08,040
Speaker 1: I have been doing a separate post like my most

555
00:25:08,080 --> 00:25:10,639
Speaker 1: epic moment, because I mean, like I I got to

556
00:25:10,640 --> 00:25:13,199
Speaker 1: go to the HBO and Secure party. I went to

557
00:25:13,240 --> 00:25:15,960
Speaker 1: this like little little party afterwards, and Asa Ray was

558
00:25:16,000 --> 00:25:18,959
Speaker 1: there and her crew danced it up, and nothing compared

559
00:25:19,000 --> 00:25:23,560
Speaker 1: to like Sinclair Living single Kim Cole saying oh my god,

560
00:25:24,040 --> 00:25:24,680
Speaker 1: hey hey hey.

561
00:25:24,720 --> 00:25:26,520
Speaker 4: When she said hey, hey, hey, I was like, wait,

562
00:25:27,200 --> 00:25:30,280
Speaker 4: does she just give me my line? Oh my god?

563
00:25:30,359 --> 00:25:32,320
Speaker 4: So you know what, remember in the beginning, guys man

564
00:25:32,359 --> 00:25:33,800
Speaker 4: used toy hait on my hey hey, hey.

565
00:25:33,760 --> 00:25:39,720
Speaker 3: Remember how is this gonna turn back on me. It's

566
00:25:39,880 --> 00:25:41,480
Speaker 3: just rude. And also, did like.

567
00:25:41,440 --> 00:25:45,800
Speaker 2: Satt Albert really originate that he did?

568
00:25:46,280 --> 00:25:49,120
Speaker 3: Okay, in the public domain.

569
00:25:50,840 --> 00:25:53,280
Speaker 4: I'm reclaiming it. No, but yeah, it was just that

570
00:25:53,280 --> 00:25:56,480
Speaker 4: part was just awesome. And so yeah, that was my

571
00:25:56,760 --> 00:25:59,159
Speaker 4: boost because I didn't I'm glad I ended it with

572
00:25:59,200 --> 00:26:00,640
Speaker 4: the booz because I feel.

573
00:26:00,240 --> 00:26:01,720
Speaker 2: Like, you know, I don't know bre you can hold

574
00:26:01,760 --> 00:26:02,600
Speaker 2: that in for so long.

575
00:26:03,560 --> 00:26:05,160
Speaker 4: I know I was holding it. I was like, oh,

576
00:26:05,200 --> 00:26:06,520
Speaker 4: this is too good, this is too good.

577
00:26:22,680 --> 00:26:25,880
Speaker 2: All right, let's get to these questions from lovely lovely listeners.

578
00:26:26,920 --> 00:26:29,240
Speaker 2: You guys can email us at brand Ambition Podcast at

579
00:26:29,240 --> 00:26:33,920
Speaker 2: gmail dot com or hit us up at brandnambitionpodcast dot

580
00:26:33,920 --> 00:26:35,920
Speaker 2: com to send us your questions. We have a couple

581
00:26:36,000 --> 00:26:38,879
Speaker 2: of really good Wednesday I wanted to get to from.

582
00:26:39,040 --> 00:26:41,640
Speaker 2: Both of them have to do with getting a home

583
00:26:41,680 --> 00:26:44,120
Speaker 2: for the first time. So the first question comes from

584
00:26:44,280 --> 00:26:50,680
Speaker 2: listener Naomi. Naomi says, hey, hey, hey see, everyone loves it.

585
00:26:50,840 --> 00:26:54,280
Speaker 2: She's like, I'm a third year teacher in San Diego, California,

586
00:26:54,280 --> 00:26:57,000
Speaker 2: and I'm exploring the option of buying a home using

587
00:26:57,040 --> 00:27:00,320
Speaker 2: an FAHA loan and FHA loan is a track to

588
00:27:00,359 --> 00:27:03,359
Speaker 2: me because there's only a three point five percent down payment,

589
00:27:03,400 --> 00:27:06,440
Speaker 2: and they're lenient with Fyco scores. I'm working on improving

590
00:27:06,480 --> 00:27:09,240
Speaker 2: my Fyco score from six point thirty to get it

591
00:27:09,320 --> 00:27:12,119
Speaker 2: over six sixty. My plan is is that by the

592
00:27:12,119 --> 00:27:14,120
Speaker 2: time I apply for the loan, I will have zero

593
00:27:14,160 --> 00:27:16,440
Speaker 2: credit card debt, only a student loan, and my debt

594
00:27:16,440 --> 00:27:19,800
Speaker 2: to income ratio will be fifty percent or less. I've

595
00:27:19,880 --> 00:27:22,840
Speaker 2: heard that if you can't put down a down payment

596
00:27:22,880 --> 00:27:25,119
Speaker 2: of twenty percent, you can't afford to buy a house.

597
00:27:25,280 --> 00:27:27,560
Speaker 2: But I'm forty years old and I'm running out of time.

598
00:27:27,680 --> 00:27:28,720
Speaker 3: What do you think.

599
00:27:31,760 --> 00:27:34,480
Speaker 1: I disagree with that notion right, that you can't put

600
00:27:34,480 --> 00:27:36,280
Speaker 1: down twenty percent, you can't afford to buy a house.

601
00:27:36,359 --> 00:27:39,200
Speaker 2: Well, she just like contradicted what she's found out for herself,

602
00:27:39,240 --> 00:27:41,439
Speaker 2: which is that there are loan programs out there that

603
00:27:41,480 --> 00:27:45,720
Speaker 2: don't require that much down like the FAHA loan. For example,

604
00:27:46,520 --> 00:27:49,879
Speaker 2: if your credit score is over five eighty, they require

605
00:27:49,920 --> 00:27:54,000
Speaker 2: and you meet other requirements, the down payment's only three

606
00:27:54,000 --> 00:27:58,359
Speaker 2: point five percent, and they'll even accept people with credit

607
00:27:58,400 --> 00:28:02,119
Speaker 2: scores under that under five eighty. But then you'll have

608
00:28:02,160 --> 00:28:03,840
Speaker 2: to put down ten percent. But that's like one of

609
00:28:03,880 --> 00:28:06,159
Speaker 2: the most common first time home buyer loans.

610
00:28:06,280 --> 00:28:07,760
Speaker 4: Yeah, for that's what I used.

611
00:28:08,800 --> 00:28:11,760
Speaker 1: Oh you did, okay, well not obviously for this this

612
00:28:11,840 --> 00:28:14,480
Speaker 1: past house, but like the first THU, yeah, the first one.

613
00:28:14,480 --> 00:28:15,080
Speaker 4: That's what I use.

614
00:28:15,640 --> 00:28:17,280
Speaker 1: And the thing is that the truth is, I think

615
00:28:17,359 --> 00:28:21,360
Speaker 1: I might have had the twenty percent, but I decided that,

616
00:28:21,920 --> 00:28:24,359
Speaker 1: like I did the mask with my mortgage person, and

617
00:28:24,400 --> 00:28:26,040
Speaker 1: she was like, if you put down the twenty percent,

618
00:28:26,080 --> 00:28:28,520
Speaker 1: it's only going to lower your mortgage amount by I

619
00:28:28,560 --> 00:28:30,919
Speaker 1: think it was like twenty bucks a month or she

620
00:28:31,000 --> 00:28:32,720
Speaker 1: was like, oh, you can have that cash on hand

621
00:28:33,119 --> 00:28:35,000
Speaker 1: to help with like any like you know, maybe like

622
00:28:35,040 --> 00:28:38,280
Speaker 1: surprise expenses. And so I decided, after like weighing the

623
00:28:38,280 --> 00:28:40,880
Speaker 1: mask on both sides, I decided that that an fah

624
00:28:41,040 --> 00:28:42,840
Speaker 1: loan and putting down that three point five percent was

625
00:28:42,840 --> 00:28:45,200
Speaker 1: actually like a better deal for me to be able

626
00:28:45,240 --> 00:28:47,000
Speaker 1: to still have like cash, you know, at hand, which

627
00:28:47,000 --> 00:28:49,480
Speaker 1: I needed because I was like, you know, buying furniture

628
00:28:49,480 --> 00:28:51,760
Speaker 1: and all that kind of stuff. So yeah, I don't

629
00:28:51,800 --> 00:28:53,760
Speaker 1: think that it means that. I mean I get it,

630
00:28:53,800 --> 00:28:55,400
Speaker 1: like that's the old school way of thinking, like if

631
00:28:55,440 --> 00:28:57,880
Speaker 1: you can't put down a substantial amount, but you know,

632
00:28:58,040 --> 00:29:01,880
Speaker 1: these loans exist for a reason. And if you know that,

633
00:29:02,080 --> 00:29:05,440
Speaker 1: you're what's most important is what your monthly income is

634
00:29:05,760 --> 00:29:07,800
Speaker 1: in relation to what your mortgage is going to be.

635
00:29:07,800 --> 00:29:09,280
Speaker 4: Because what's the rule of thumb? Many, isn't it?

636
00:29:09,280 --> 00:29:10,520
Speaker 1: You really don't want it to be more than thirty

637
00:29:10,520 --> 00:29:13,080
Speaker 1: percent your mortgage more than thirty percent of what your

638
00:29:14,000 --> 00:29:15,040
Speaker 1: your your income is.

639
00:29:15,400 --> 00:29:17,560
Speaker 2: Yeah, but one third is a good rule of thumb.

640
00:29:17,680 --> 00:29:21,160
Speaker 1: Yeah, And so that's what I would say, honestly, like

641
00:29:21,600 --> 00:29:24,840
Speaker 1: that you want to you don't want to be spending

642
00:29:24,920 --> 00:29:28,840
Speaker 1: half of your income on on your house because that

643
00:29:28,960 --> 00:29:31,360
Speaker 1: leads you with very little wiggle rooms. So I think

644
00:29:31,400 --> 00:29:33,920
Speaker 1: that if if you're in that thirty percent range, like, oh,

645
00:29:34,040 --> 00:29:36,240
Speaker 1: let's just say, for math's sake, I make a thousand

646
00:29:36,280 --> 00:29:38,360
Speaker 1: dollars a month and my mortgage is three hundred, you're

647
00:29:38,400 --> 00:29:39,480
Speaker 1: in a good space.

648
00:29:40,960 --> 00:29:41,920
Speaker 2: Definitely, all right?

649
00:29:41,960 --> 00:29:42,600
Speaker 3: Next question.

650
00:29:42,920 --> 00:29:46,680
Speaker 2: Next question comes from an anonymous listener, also related to

651
00:29:46,720 --> 00:29:50,960
Speaker 2: home purchasing. She is younger. I think in her what

652
00:29:51,080 --> 00:29:51,200
Speaker 2: is it?

653
00:29:51,320 --> 00:29:52,040
Speaker 3: What does this say?

654
00:29:52,240 --> 00:29:55,040
Speaker 2: All right, I'm gonna as a young single person. I

655
00:29:55,040 --> 00:29:56,480
Speaker 2: don't know what that means. So let's say in her

656
00:29:56,520 --> 00:30:00,200
Speaker 2: twenty to thirties, she says, I have no debt I

657
00:30:00,240 --> 00:30:02,320
Speaker 2: contribute the max to my four O one K, a

658
00:30:02,400 --> 00:30:06,280
Speaker 2: small percentage to my retirement or not retirement, a small

659
00:30:06,320 --> 00:30:09,400
Speaker 2: percentage to my ESPP, and I have an emergency fund.

660
00:30:09,960 --> 00:30:12,160
Speaker 2: After paying off my student loans last year, I saved

661
00:30:12,160 --> 00:30:14,480
Speaker 2: about twenty thousand dollars. But I live in one of

662
00:30:14,520 --> 00:30:17,440
Speaker 2: the hottest housing markets in the country. As a young

663
00:30:17,480 --> 00:30:20,080
Speaker 2: single person, I feel like I'm going to be saving forever,

664
00:30:20,240 --> 00:30:22,520
Speaker 2: and I'm concerned about knowing who I can trust through

665
00:30:22,520 --> 00:30:25,880
Speaker 2: the process. I know there are options for lower down payments,

666
00:30:25,880 --> 00:30:30,320
Speaker 2: but I'm also aware that lenders specifically have targeted black

667
00:30:30,320 --> 00:30:33,600
Speaker 2: women for subprime mortgage loans in the past. Do you

668
00:30:33,640 --> 00:30:36,040
Speaker 2: have any advice on where to begin for single first

669
00:30:36,080 --> 00:30:38,960
Speaker 2: time home buyers. It would be greatfully appreciate it. Thank

670
00:30:38,960 --> 00:30:39,560
Speaker 2: you so much.

671
00:30:40,840 --> 00:30:44,240
Speaker 4: I've heard like good things about NACA and ACA. Do

672
00:30:44,240 --> 00:30:46,080
Speaker 4: you know what NACA stands for? I never you know,

673
00:30:46,120 --> 00:30:47,000
Speaker 4: I never looked into that.

674
00:30:47,640 --> 00:30:49,880
Speaker 2: No, no, wait, yeah, I've heard of NAKA, but I

675
00:30:49,880 --> 00:30:51,000
Speaker 2: forget what it stands for now.

676
00:30:51,640 --> 00:30:52,840
Speaker 4: So NACA.

677
00:30:53,080 --> 00:30:56,080
Speaker 1: There are like so many dreamcatchers posted about NACCA and

678
00:30:56,120 --> 00:30:58,240
Speaker 1: so I've heard good things, although sometimes it may.

679
00:30:58,160 --> 00:30:58,920
Speaker 4: Be a little slow.

680
00:30:59,360 --> 00:31:02,240
Speaker 1: Where you take a class, they help you get your

681
00:31:02,280 --> 00:31:05,000
Speaker 1: credit together and then you can qualify for a program

682
00:31:05,080 --> 00:31:07,280
Speaker 1: as long as you want to be Like I believe you. No,

683
00:31:07,360 --> 00:31:09,160
Speaker 1: I don't even think you always have to be owner occupied.

684
00:31:09,200 --> 00:31:10,680
Speaker 1: I think you're even allowed to do it with like

685
00:31:10,720 --> 00:31:15,000
Speaker 1: a rental property, but that they can get you sometimes

686
00:31:15,040 --> 00:31:17,960
Speaker 1: even zero percent down. No closing costs a really low

687
00:31:18,400 --> 00:31:20,320
Speaker 1: interest rate. So maybe the interest rate is like say

688
00:31:20,360 --> 00:31:22,560
Speaker 1: five percent, but with NACA that it might be three percent.

689
00:31:22,920 --> 00:31:25,920
Speaker 4: So I definitely would look into NAKA. N ACA.

690
00:31:26,160 --> 00:31:30,800
Speaker 2: That's Neighborhood Assistance Corporation of America. I've never heard of Okay,

691
00:31:30,800 --> 00:31:33,040
Speaker 2: maybe I haven't heard of that. It's a nonprofit community

692
00:31:33,120 --> 00:31:37,400
Speaker 2: advocacy and home ownership organization mm hm.

693
00:31:37,400 --> 00:31:39,360
Speaker 1: And so I mean I've never I can honestly say

694
00:31:39,360 --> 00:31:41,080
Speaker 1: I've never heard their full names. Is that I just

695
00:31:41,200 --> 00:31:44,360
Speaker 1: you know, everyone just says, oh, try NAKA. A friend

696
00:31:44,360 --> 00:31:47,640
Speaker 1: of mine did it. She got a three family house.

697
00:31:47,720 --> 00:31:50,040
Speaker 1: She does live there, and like her interest rate was

698
00:31:50,080 --> 00:31:52,640
Speaker 1: like a point or two less a point, meaning, like

699
00:31:52,640 --> 00:31:55,000
Speaker 1: like I said, if everyone's their interest rate is five percent,

700
00:31:55,040 --> 00:31:55,880
Speaker 1: that's the going rate.

701
00:31:56,080 --> 00:31:57,720
Speaker 4: Hers was three percent, So.

702
00:31:57,600 --> 00:32:00,160
Speaker 1: That's significant, Like it's a lot of money of the

703
00:32:00,200 --> 00:32:02,440
Speaker 1: lifetime of the loan and she didn't have to put

704
00:32:02,480 --> 00:32:05,440
Speaker 1: down a down payment or significantly less, So that's definitely

705
00:32:05,440 --> 00:32:07,360
Speaker 1: a good place to start. I also, do you know

706
00:32:07,400 --> 00:32:09,720
Speaker 1: what I find like if you get a really good realtor,

707
00:32:10,200 --> 00:32:15,280
Speaker 1: they often are really knowledgeable about different programs happening and

708
00:32:15,360 --> 00:32:18,000
Speaker 1: so like. So I asked a bunch of realtors, even

709
00:32:18,000 --> 00:32:19,760
Speaker 1: if they weren't my realtor, I asked a bunch of

710
00:32:19,800 --> 00:32:22,160
Speaker 1: them just like, hey, do you know of any programs

711
00:32:22,160 --> 00:32:24,800
Speaker 1: because sometimes brokers and realtors, you know, we'll we'll hear

712
00:32:24,880 --> 00:32:27,120
Speaker 1: things before we do or but this is what they

713
00:32:27,120 --> 00:32:28,959
Speaker 1: do all day every day, talk about this kind of stuff.

714
00:32:29,320 --> 00:32:32,479
Speaker 1: So I would ask realtors too, like cause I know

715
00:32:33,240 --> 00:32:36,120
Speaker 1: M ANDT Bank and like Mike, Michael and Tony. I mean,

716
00:32:36,120 --> 00:32:36,920
Speaker 1: that's not what it stands for.

717
00:32:37,040 --> 00:32:39,080
Speaker 4: But they had like.

718
00:32:39,040 --> 00:32:42,480
Speaker 1: A program for people of color who were buying homes

719
00:32:42,520 --> 00:32:44,400
Speaker 1: where it's a majority of people of color living there.

720
00:32:44,960 --> 00:32:47,000
Speaker 1: And at the time it was like up to like

721
00:32:47,080 --> 00:32:49,600
Speaker 1: eighteen thousand dollars or something like that, and now it's

722
00:32:49,640 --> 00:32:51,240
Speaker 1: I think it's like up to five or six thousand,

723
00:32:51,280 --> 00:32:55,040
Speaker 1: but you could put toward closing, so that's you know,

724
00:32:55,240 --> 00:32:57,320
Speaker 1: that's out there because M ANDT Bank was definitely one

725
00:32:57,320 --> 00:33:00,960
Speaker 1: of those companies that were that were giving unfair interest

726
00:33:01,040 --> 00:33:03,240
Speaker 1: rates to people of color. So they got caught and

727
00:33:03,280 --> 00:33:05,160
Speaker 1: as a result they have to do this kind of restitution.

728
00:33:06,520 --> 00:33:09,440
Speaker 1: But yeah, I mean, I think asking real estate professionals

729
00:33:09,480 --> 00:33:10,719
Speaker 1: is a great place to start.

730
00:33:10,800 --> 00:33:14,560
Speaker 2: And yeah, she seems worried about getting like scammed or

731
00:33:14,640 --> 00:33:16,840
Speaker 2: duped into a bad loan because she's a woman or

732
00:33:16,840 --> 00:33:20,880
Speaker 2: a minority, And yeah, it's mortgage lenders have discriminated against

733
00:33:20,880 --> 00:33:21,600
Speaker 2: people of color.

734
00:33:23,120 --> 00:33:24,160
Speaker 3: That's a known fact.

735
00:33:24,640 --> 00:33:27,480
Speaker 2: What I will say is, you know, since the housing crisis,

736
00:33:27,600 --> 00:33:32,400
Speaker 2: organizations like the CFPB and with Dodd Frank Act, it's

737
00:33:32,440 --> 00:33:35,360
Speaker 2: become a lot harder to offer bad mortgage loans, like

738
00:33:35,440 --> 00:33:37,840
Speaker 2: offer loans to people that they couldn't that they can't afford,

739
00:33:38,720 --> 00:33:42,360
Speaker 2: or just bad predatory products in general. So want to

740
00:33:42,440 --> 00:33:46,479
Speaker 2: keep these organizations around. That's why they're here. But you know,

741
00:33:47,240 --> 00:33:51,000
Speaker 2: going if yes you can, you can contact like a

742
00:33:51,040 --> 00:33:53,160
Speaker 2: mortgage broker and see if they have access to any

743
00:33:53,400 --> 00:33:58,040
Speaker 2: any lenders. But you know, start from what type of

744
00:33:58,080 --> 00:34:00,160
Speaker 2: mortgage you're looking for too. If you're a look looking

745
00:34:00,200 --> 00:34:03,240
Speaker 2: for an FAHA loan, for example, there's a list of

746
00:34:03,440 --> 00:34:05,760
Speaker 2: FAHA approved lenders that you can work from and you

747
00:34:05,800 --> 00:34:07,800
Speaker 2: know that, Okay, these have been signed off on by

748
00:34:08,480 --> 00:34:13,600
Speaker 2: the Federal Housing Authority and there you know, legit and kosher.

749
00:34:14,200 --> 00:34:17,239
Speaker 2: I chose when we were shopping for mortgage loans. I

750
00:34:17,280 --> 00:34:20,279
Speaker 2: didn't use a broker because I feel like I know

751
00:34:20,320 --> 00:34:24,520
Speaker 2: every single bank and ever. And we just basically went

752
00:34:24,560 --> 00:34:28,880
Speaker 2: to three or four different well actually five if you include.

753
00:34:29,120 --> 00:34:31,319
Speaker 2: We looked at us a A, looked at SOFI, looked

754
00:34:31,360 --> 00:34:34,799
Speaker 2: at Ally, looked at City, and then Quickened Loans, which

755
00:34:34,880 --> 00:34:38,560
Speaker 2: is an online lender for we were shopping for mortgage rates,

756
00:34:38,600 --> 00:34:41,200
Speaker 2: and you can do things like check their check the

757
00:34:41,239 --> 00:34:44,319
Speaker 2: complaint database that the cfp B has online and see

758
00:34:44,320 --> 00:34:46,760
Speaker 2: if there's a ton of complaints against mortgage lenders before.

759
00:34:48,320 --> 00:34:50,480
Speaker 2: And you know, but at the end of the day,

760
00:34:50,480 --> 00:34:52,520
Speaker 2: you want to pick the lender, you know, whether it's

761
00:34:52,520 --> 00:34:55,400
Speaker 2: like a home home ownership assistance program or something like

762
00:34:55,400 --> 00:34:58,040
Speaker 2: that or like a regular lender, pick the one that

763
00:34:58,080 --> 00:35:01,000
Speaker 2: has the best product and the best term for you,

764
00:35:01,080 --> 00:35:03,760
Speaker 2: and just compare compare, compare, so you know you're getting

765
00:35:03,800 --> 00:35:04,319
Speaker 2: the best deal.

766
00:35:04,920 --> 00:35:05,960
Speaker 4: Yeah, that is like the key.

767
00:35:06,000 --> 00:35:08,719
Speaker 1: Compare compare, And like I would start now, like so

768
00:35:09,400 --> 00:35:12,120
Speaker 1: almost like it's almost like six months before you're like,

769
00:35:12,160 --> 00:35:14,239
Speaker 1: you know what, I'm gonna be looking at houses. You

770
00:35:14,239 --> 00:35:17,000
Speaker 1: can never be too early with like starting the mortgage process.

771
00:35:17,000 --> 00:35:18,520
Speaker 1: So I don't know if you did this, Mandy, but

772
00:35:18,560 --> 00:35:21,800
Speaker 1: I didn't let anybody pull my my my score until

773
00:35:21,840 --> 00:35:23,520
Speaker 1: I was like pretty sure this is the company I

774
00:35:23,520 --> 00:35:25,680
Speaker 1: wanted to go with, Like I just went online got

775
00:35:25,680 --> 00:35:27,280
Speaker 1: my score and it was like, no, I know my score.

776
00:35:27,480 --> 00:35:29,239
Speaker 1: You know they'll they'll try to like finagle you, like, oh,

777
00:35:29,239 --> 00:35:31,120
Speaker 1: I can't give you a really accurate I'm like, well,

778
00:35:31,120 --> 00:35:32,799
Speaker 1: just give me as close as you can to the

779
00:35:32,840 --> 00:35:35,440
Speaker 1: score that I'm giving you, because I didn't want all

780
00:35:35,440 --> 00:35:38,359
Speaker 1: of these like pulls and hard inquiries on my on

781
00:35:38,360 --> 00:35:40,080
Speaker 1: my credit report when I was going to buy a house.

782
00:35:41,080 --> 00:35:42,680
Speaker 1: So you're you don't just so you know, when you're

783
00:35:42,719 --> 00:35:46,240
Speaker 1: asking for like interest rates, you don't have to give.

784
00:35:46,120 --> 00:35:48,719
Speaker 4: Your score, like, well, you don't have to give them

785
00:35:48,760 --> 00:35:51,799
Speaker 4: the ability to pull your credit score from.

786
00:35:51,719 --> 00:35:53,040
Speaker 3: Their end, right.

787
00:35:53,120 --> 00:35:55,680
Speaker 2: So what a lot of lenders offer is a quote.

788
00:35:55,920 --> 00:35:58,359
Speaker 2: They may offer a quote, which is where they may

789
00:35:58,440 --> 00:36:01,799
Speaker 2: ask for the last four digits of your social and

790
00:36:01,840 --> 00:36:03,839
Speaker 2: do like a soft pull of your credit and then

791
00:36:03,880 --> 00:36:07,080
Speaker 2: give you an estimate like a quote again where they say, okay,

792
00:36:07,080 --> 00:36:08,960
Speaker 2: we might be able to offer you this rate, And

793
00:36:09,000 --> 00:36:10,919
Speaker 2: that's a good way to shop around because it won't

794
00:36:11,080 --> 00:36:14,279
Speaker 2: ing your credit score. So lending Tree, the company that

795
00:36:14,320 --> 00:36:18,120
Speaker 2: I work for, offers a mortgage marketplace where you can

796
00:36:18,840 --> 00:36:21,000
Speaker 2: basically fill out an online form, you put in a

797
00:36:21,000 --> 00:36:24,160
Speaker 2: couple of pieces of information, then they may be able

798
00:36:24,200 --> 00:36:26,400
Speaker 2: to direct you to lenders who can offer you quotes.

799
00:36:26,480 --> 00:36:28,640
Speaker 2: So that's what a lot of lenders do now, and

800
00:36:28,680 --> 00:36:30,080
Speaker 2: that's a good way to shop around when you're just

801
00:36:30,120 --> 00:36:33,200
Speaker 2: casually shopping around. But if you're serious about so she

802
00:36:33,320 --> 00:36:36,240
Speaker 2: asks sort of what are the steps to to home ownership?

803
00:36:36,280 --> 00:36:38,560
Speaker 2: So I would say, if you're casually, you know, shopping around,

804
00:36:38,600 --> 00:36:40,520
Speaker 2: you just want to see what you might qualify for,

805
00:36:40,920 --> 00:36:43,920
Speaker 2: a quote is one way to go. And then if

806
00:36:43,920 --> 00:36:47,120
Speaker 2: you're when you're serious, are a pre approval is what

807
00:36:47,160 --> 00:36:49,680
Speaker 2: you want to get. And with the pre approval, they're

808
00:36:49,680 --> 00:36:52,080
Speaker 2: actually going to ask for more financial documents, they're going

809
00:36:52,160 --> 00:36:53,719
Speaker 2: to ask for your full social they're going to do

810
00:36:53,719 --> 00:36:57,720
Speaker 2: a full on, you know, hard inquiry to your credit history.

811
00:36:58,840 --> 00:37:02,840
Speaker 2: That's that shouldn't frighten you from shopping from multiple lenders

812
00:37:02,840 --> 00:37:07,040
Speaker 2: because as long as you get multiple pre approvals within

813
00:37:07,080 --> 00:37:09,759
Speaker 2: a short window of time like fourteen I think two

814
00:37:09,800 --> 00:37:12,400
Speaker 2: to fourteen to forty five days is kind of the

815
00:37:12,440 --> 00:37:18,480
Speaker 2: standard that according to FIKO, for that window, it'll only

816
00:37:18,560 --> 00:37:21,000
Speaker 2: count as one hard inquiry. So for example, my husband

817
00:37:21,000 --> 00:37:22,880
Speaker 2: and I when we were ready to shop, we did

818
00:37:22,920 --> 00:37:25,360
Speaker 2: all of our shopping in like one week, and my

819
00:37:25,480 --> 00:37:27,440
Speaker 2: credit maybe dropped five points.

820
00:37:27,480 --> 00:37:27,960
Speaker 3: That was it.

821
00:37:29,160 --> 00:37:30,920
Speaker 2: And it's not that big of a deal, and it's

822
00:37:30,960 --> 00:37:33,520
Speaker 2: not you know, it's worth it to shop multiple lenders,

823
00:37:33,520 --> 00:37:37,000
Speaker 2: But the pre approval is important because this is actually

824
00:37:37,080 --> 00:37:40,840
Speaker 2: a much stronger this is a much stronger vote of

825
00:37:40,880 --> 00:37:43,279
Speaker 2: confidence from the lender because they're saying, yeah, there's a

826
00:37:43,280 --> 00:37:45,480
Speaker 2: really good chance we're going to approve you for this mortgage,

827
00:37:45,840 --> 00:37:48,440
Speaker 2: and here is the rate that we are the pretty

828
00:37:48,600 --> 00:37:50,920
Speaker 2: pretty good estimate of the rate we can give you

829
00:37:51,040 --> 00:37:53,239
Speaker 2: and the terms we can give you, And then you

830
00:37:53,280 --> 00:37:56,880
Speaker 2: can use that to compare to other offers from lenders.

831
00:37:57,120 --> 00:37:59,239
Speaker 2: And also, like when you're buying, when you're putting in

832
00:37:59,239 --> 00:38:02,640
Speaker 2: an offer on a house, sometimes the seller's agent won't

833
00:38:02,640 --> 00:38:04,560
Speaker 2: even talk to you if you don't have a pre approval,

834
00:38:04,960 --> 00:38:08,320
Speaker 2: and in other cases you may like, look, it's gonna

835
00:38:08,320 --> 00:38:11,399
Speaker 2: make you seem like a much more legitimate candidate than

836
00:38:11,480 --> 00:38:13,920
Speaker 2: other potential buyers out there. So it can give you

837
00:38:13,960 --> 00:38:17,000
Speaker 2: like a competitive edge to have that pre approval because

838
00:38:17,560 --> 00:38:20,440
Speaker 2: that seller is going to know, Okay, they've checked her credit,

839
00:38:21,640 --> 00:38:24,439
Speaker 2: she has been pre approved for this loan amount, and

840
00:38:24,600 --> 00:38:26,480
Speaker 2: we have a really good idea that she's going to

841
00:38:26,520 --> 00:38:28,719
Speaker 2: be able to close this mortgage loan, so we will

842
00:38:28,719 --> 00:38:31,440
Speaker 2: go with her. So that's another benefit to the pre

843
00:38:31,520 --> 00:38:34,440
Speaker 2: approval end. Yeah, you can get as many pre approvals

844
00:38:34,480 --> 00:38:36,600
Speaker 2: as you want. I think we did five in the end,

845
00:38:37,760 --> 00:38:39,840
Speaker 2: and it was really helpful because we could compare and

846
00:38:39,880 --> 00:38:42,000
Speaker 2: see what all the differences were, and ultimately we went

847
00:38:42,000 --> 00:38:44,640
Speaker 2: with the lender that offered us the best deal and

848
00:38:44,719 --> 00:38:46,680
Speaker 2: one of the lenders you know sometimes they would say,

849
00:38:46,680 --> 00:38:48,239
Speaker 2: you know, we can beat that rate if you show

850
00:38:48,320 --> 00:38:51,120
Speaker 2: us whatever rate, what you know other rate you can get,

851
00:38:51,160 --> 00:38:53,880
Speaker 2: Like I remember we looked at Sofi. Sofi offers a

852
00:38:53,920 --> 00:38:57,600
Speaker 2: mortgage with just ten percent down, and they they say

853
00:38:57,600 --> 00:39:00,840
Speaker 2: they don't charge any origination fees, but just basically like

854
00:39:00,880 --> 00:39:03,719
Speaker 2: a processing fee for your application. A lot of every

855
00:39:03,719 --> 00:39:07,279
Speaker 2: mortgage lender basically charges the traditional ones charge origination fees.

856
00:39:07,360 --> 00:39:09,960
Speaker 2: So one way so Far differentiates itself is by saying,

857
00:39:09,960 --> 00:39:12,160
Speaker 2: you know, we don't charge fees, but when we compare

858
00:39:12,200 --> 00:39:15,200
Speaker 2: to Sofi's pre approval offer to what we were getting

859
00:39:15,200 --> 00:39:17,360
Speaker 2: from other lenders, their rates were higher.

860
00:39:17,560 --> 00:39:19,000
Speaker 3: So it was almost like, yeah.

861
00:39:18,760 --> 00:39:21,120
Speaker 2: There's no fees, but they charge a higher rate, which

862
00:39:21,520 --> 00:39:23,440
Speaker 2: over the long term, you know, because we're staying in

863
00:39:23,440 --> 00:39:25,440
Speaker 2: our house for at least ten years, that could end

864
00:39:25,480 --> 00:39:27,879
Speaker 2: up costing us more. So it was it was good

865
00:39:27,960 --> 00:39:29,759
Speaker 2: to have those things side by side to look at

866
00:39:29,760 --> 00:39:30,240
Speaker 2: and compare.

867
00:39:31,200 --> 00:39:33,840
Speaker 4: No, that's goods. There are like a number of numbers

868
00:39:33,880 --> 00:39:36,680
Speaker 4: you want to look at. Yeah, these are good questions.

869
00:39:36,719 --> 00:39:39,239
Speaker 1: I know we said we're not going to talk about renovations,

870
00:39:39,239 --> 00:39:42,720
Speaker 1: but I just wanted to share something that I learned today.

871
00:39:42,920 --> 00:39:46,799
Speaker 4: I'd gone to city hall today in Newark because I

872
00:39:46,840 --> 00:39:48,200
Speaker 4: heard a little Bertie.

873
00:39:47,880 --> 00:39:51,400
Speaker 1: Told me that there might be some sort of tax abatement.

874
00:39:52,080 --> 00:39:56,280
Speaker 1: An abatement is basically like a hold on paying taxes if.

875
00:39:56,160 --> 00:39:58,320
Speaker 4: You're a business owner and a homeowner Newerk.

876
00:39:58,520 --> 00:40:00,279
Speaker 1: So I was like, and I've been calling, but like

877
00:40:00,280 --> 00:40:01,960
Speaker 1: most city halls, nobody picks up the phone.

878
00:40:02,360 --> 00:40:04,120
Speaker 4: So I've been calling for like a month.

879
00:40:04,160 --> 00:40:05,239
Speaker 1: So I was like, you know, what let me just

880
00:40:05,280 --> 00:40:08,480
Speaker 1: go down there, because you know, it's just I just

881
00:40:08,520 --> 00:40:11,719
Speaker 1: need to go down So I went and although I

882
00:40:11,800 --> 00:40:15,480
Speaker 1: found out that no, that that wasn't true, or at

883
00:40:15,560 --> 00:40:17,680
Speaker 1: least that's what the person told me, which I felt

884
00:40:17,680 --> 00:40:19,520
Speaker 1: like they didn't want to look up anything, so whatever,

885
00:40:19,840 --> 00:40:21,919
Speaker 1: But I walked into so many different offices. I found

886
00:40:21,960 --> 00:40:24,239
Speaker 1: that there was a tax abatement program, and I just

887
00:40:24,280 --> 00:40:26,279
Speaker 1: thought about you, Manny, that you know, you might want

888
00:40:26,280 --> 00:40:29,120
Speaker 1: to ask your city. So here's the way this tax

889
00:40:29,120 --> 00:40:32,640
Speaker 1: abatement program works in Newark, that if you do renovations,

890
00:40:34,160 --> 00:40:37,920
Speaker 1: you can actually get an abatement on the property increase

891
00:40:37,960 --> 00:40:40,200
Speaker 1: as a result of the renovation. So let's just say

892
00:40:40,520 --> 00:40:43,040
Speaker 1: that my property assesses for let's just say one hundred

893
00:40:43,080 --> 00:40:46,120
Speaker 1: thousand dollars, and my taxes are five thousand dollars a year,

894
00:40:46,520 --> 00:40:48,960
Speaker 1: and then I do one hundred thousand dollars worth of renovation.

895
00:40:49,040 --> 00:40:51,560
Speaker 1: So now my property has doubled in value, so my

896
00:40:51,680 --> 00:40:55,239
Speaker 1: taxes are likely to nearly double. And so if I

897
00:40:55,280 --> 00:40:58,520
Speaker 1: applied for this tax abatement after renovations are done, I

898
00:40:58,560 --> 00:41:03,840
Speaker 1: can actually suspend that additional increase for five years.

899
00:41:03,960 --> 00:41:05,960
Speaker 4: And I was like, wow, that's awesome, right.

900
00:41:06,280 --> 00:41:07,239
Speaker 3: Oh yeah, that's dope.

901
00:41:07,360 --> 00:41:09,560
Speaker 2: My husband and I were just talking about that because

902
00:41:09,560 --> 00:41:11,879
Speaker 2: we had just had a tax, a new property tax

903
00:41:11,920 --> 00:41:15,919
Speaker 2: assessment this past May, and then we wondered how soon

904
00:41:15,960 --> 00:41:18,440
Speaker 2: after our renovation they were going to reassess our property

905
00:41:18,800 --> 00:41:22,680
Speaker 2: and then start taxing us at the higher value. So yeah, definitely,

906
00:41:22,920 --> 00:41:23,520
Speaker 2: I'll do anything.

907
00:41:23,520 --> 00:41:25,680
Speaker 1: You'll save money, right, I was like, you know, just

908
00:41:25,680 --> 00:41:27,319
Speaker 1: go down to city hall and see like, hey, do

909
00:41:27,360 --> 00:41:29,400
Speaker 1: you guys have like any sort of I just like

910
00:41:29,520 --> 00:41:31,880
Speaker 1: kept to general any sort of tax abatement programs, and

911
00:41:32,239 --> 00:41:34,080
Speaker 1: the lady ripped that out, and I was like, well,

912
00:41:34,120 --> 00:41:35,440
Speaker 1: this is good.

913
00:41:38,800 --> 00:41:41,000
Speaker 4: Any other questions. I think that was good though.

914
00:41:41,360 --> 00:41:41,880
Speaker 3: Yeah, we're good.

915
00:41:41,920 --> 00:41:44,360
Speaker 2: One questions you guys again, hit us up at Brannambission

916
00:41:44,400 --> 00:41:47,359
Speaker 2: podcast dot com, ask us anything, tab to send us

917
00:41:47,360 --> 00:41:50,200
Speaker 2: a question, or you can email us directly at Brandambition

918
00:41:50,320 --> 00:41:53,000
Speaker 2: Podcast at gmail dot com dot com.

919
00:41:53,040 --> 00:41:58,160
Speaker 1: And if you're feeling particularly sentimental, listen to our last episode.

920
00:41:58,160 --> 00:42:00,600
Speaker 1: Gremandy and I talked about somebody asked really sweet question

921
00:42:00,680 --> 00:42:03,759
Speaker 1: about how we met our misters, and you guys really

922
00:42:03,800 --> 00:42:06,000
Speaker 1: enjoyed it. So if you didn't listen, go and listen,

923
00:42:06,560 --> 00:42:08,759
Speaker 1: And honestly, I like questions like that. So you can

924
00:42:09,160 --> 00:42:12,640
Speaker 1: obviously send us you know, financial career, business questions, but

925
00:42:12,960 --> 00:42:15,040
Speaker 1: you know where this is also a podcast about like

926
00:42:15,080 --> 00:42:17,160
Speaker 1: you know, brown girl life, and so if you have

927
00:42:17,239 --> 00:42:19,160
Speaker 1: just some like general kind of like life questions you

928
00:42:19,200 --> 00:42:21,560
Speaker 1: want to ask us, you know, we like those two.

929
00:42:22,680 --> 00:42:25,279
Speaker 2: We're all about the holistic approach, not just money, but

930
00:42:25,320 --> 00:42:29,520
Speaker 2: other stuff too, exactly, which is why we need Kim

931
00:42:29,560 --> 00:42:32,719
Speaker 2: Cole motivational speaker to come on the podcast.

932
00:42:32,360 --> 00:42:34,800
Speaker 4: To sam let me call my best friend.

933
00:42:34,880 --> 00:42:37,320
Speaker 3: Woo woo woo.

934
00:42:38,000 --> 00:42:39,759
Speaker 4: Oh oh my god, y'all.

935
00:42:39,760 --> 00:42:41,920
Speaker 1: I was like, you have no idea, I mean, no,

936
00:42:42,000 --> 00:42:43,520
Speaker 1: you know what, Actually I'm gonna send you. I'm gonna

937
00:42:43,560 --> 00:42:45,160
Speaker 1: like text you like the pictures of like my face

938
00:42:45,200 --> 00:42:46,759
Speaker 1: like that. You should see the evolution of like my

939
00:42:46,840 --> 00:42:50,479
Speaker 1: face like wait wait wait literally like hand to chest

940
00:42:50,560 --> 00:42:54,279
Speaker 1: clutching imaginary pearls like my sister. My sister Lisa was

941
00:42:54,320 --> 00:42:56,840
Speaker 1: like taking like you know, like secession of pictures and

942
00:42:56,880 --> 00:42:58,600
Speaker 1: you could just see me losing my mind like looking

943
00:42:58,600 --> 00:42:59,400
Speaker 1: at her, like can.

944
00:42:59,320 --> 00:43:03,400
Speaker 3: You believe that's awesome? You can retire