Speaker 1: Hey, hey, hey, it's me Tiffany the budgeinistall.
Speaker 2: Hey, guys, it's Mandy Hope. Everyone's having a nice post
Speaker 2: Fourth of July.
Speaker 3: Back at work if you're working.
Speaker 2: And not on vacation somewhere, all right, tell me about
Speaker 2: Essence Fest. I can't wait to hear all about it.
Speaker 4: Oh my goodness, so many people gave me double hugs,
Speaker 4: one for me and one for you.
Speaker 1: And although I did want to take pictures, but I
Speaker 1: mean I took a few, but honestly, it was it
Speaker 1: was just so packed. Somebody literally just posted on Instagram
Speaker 1: the perfect description of Essence Fest.
Speaker 4: It was. They said Essence Fest both too much and
Speaker 4: not enough.
Speaker 1: There were so many pe boom they said that the
Speaker 1: numbers almost doubled everyone even like so whenever you go
Speaker 1: to essence you know obviously you're taking like ubers. All
Speaker 1: the natives were like, yo, We've never in the history
Speaker 1: of all things New Orleans ever seen the crowds like this.
Speaker 4: Wow, Like it was so.
Speaker 1: Bad, Like I had to walk everywhere, like even though
Speaker 1: like typically like you know, they have like a car
Speaker 1: if you're speaking for a brand will pick you up
Speaker 1: and take you to the to the convention Center. No,
Speaker 1: it was just shorter to walk the half a mile.
Speaker 1: Can you imagine like full face sweating in New Orleans? Ea,
Speaker 1: like I'll just walk the half of the Yeah it was, Yeah,
Speaker 1: it was. But at the same time, you know, the
Speaker 1: food was still amazing. People were so great. There was
Speaker 1: no major incident. It was just girls trip, you know.
Speaker 3: The Queen Latifa effect.
Speaker 4: Yeah, for real.
Speaker 1: And but like other than that though, you know, essence
Speaker 1: Fest was was awesome.
Speaker 4: I mean, Mary J.
Speaker 1: Blige, that was my favorite day. I didn't I don't
Speaker 1: usually go to all the concerts. I usually pick one
Speaker 1: day to like kind of hang out, and I went
Speaker 1: Saturday and Mary like just she performed her heart out.
Speaker 3: How is she?
Speaker 2: Remember last year when you came back from Essence Fest
Speaker 2: and you were just like, man, I went to this
Speaker 2: session and act like Mary J. Blige spoke and everyone
Speaker 2: seems so depressed.
Speaker 3: How is she?
Speaker 1: He seems more speisty now, like she was just on
Speaker 1: stage like y'all already know what I'm going through, you know,
Speaker 1: all my business anyway, and I'm happy to be rid
Speaker 1: of him. But now he's trying to take me through
Speaker 1: all this other stuff. But that's Okay, so she's like,
Speaker 1: come out of the whole. My life is the worst too,
Speaker 1: you know what, You're not gonna steal my joy.
Speaker 2: We were like, yes day, well, shout out to her
Speaker 2: for being so transparent about it.
Speaker 1: Yeah, And it was just so funny because she was like,
Speaker 1: y'all know you know what, y'all know my business, so
Speaker 1: let's just do this. And she literally said that, and
Speaker 1: I was like, look at Mary, and so yeah, she
Speaker 1: seemed like in a better space, like definitely I'm going
Speaker 1: through it, but I'm I'm past the worst of it,
Speaker 1: like he's gone, you know. Yeah, so yeah, so, but honestly,
Speaker 1: it was just good times. I have to say, like,
Speaker 1: you know, Normal is just an amazing city. The food
Speaker 1: is amazing, the people are so so so so so nice.
Speaker 1: There's so many things to do and see it Essen inspecially,
Speaker 1: you just can't even take.
Speaker 4: It all in. Yeah, so you know, it's just amazing times.
Speaker 2: What were some of you Did you get to go
Speaker 2: into any sessions or were you like all other stuff?
Speaker 4: Yeah?
Speaker 1: No, I didn't even Like last year, I think the
Speaker 1: major one I really wanted to go to, like I
Speaker 1: wanted to go see Oprah, you know, so because obviously,
Speaker 1: I mean it's Oprah. But no, because Thursday when we landed,
Speaker 1: Thursday's not I call it like the unofficial day. Friday
Speaker 1: I was like working most of the day, and Saturday
Speaker 1: I worked especially most of the day, and honestly, Sunday,
Speaker 1: my sisters and I just wanted to enjoy. So we
Speaker 1: just did the convention center. We went to eat the hotel.
Speaker 1: We were saying in the restaurant in the hotel, it's
Speaker 1: called Old seventy seven. That's the name of the hotel.
Speaker 1: The chef won a James Beard Award, which is like huge,
Speaker 1: you know, and so we wanted to like try it,
Speaker 1: and so we just had like an eating day on Sunday.
Speaker 1: So no, no real like session other than the ones
Speaker 1: that I I, you know, was speaking.
Speaker 2: At where your sister's just running around enjoying.
Speaker 1: Yeah, well a lot this time, you know that my
Speaker 1: sister Tracy especially, she wanted to kind of come and
Speaker 1: see like what it looked like behind the scenes, so,
Speaker 1: you know, because you it's different, you know, and I
Speaker 1: can honestly I'm not. I have not gone to Essence
Speaker 1: Best where I wasn't a speaker, so she definitely said
Speaker 1: it was a different experience because last year they did
Speaker 1: a lot more kind of like touristy stuff and this year,
Speaker 1: you know, when you're a speaker.
Speaker 4: They're like, go to this room, put on this mic.
Speaker 4: Are you ready? Go ahead?
Speaker 1: He's just you know, so it's She's like, it was fun,
Speaker 1: but it's just a different experience.
Speaker 4: So but they said they really enjoyed themselves.
Speaker 2: What were some of the panels that you did, Like,
Speaker 2: what were what were some of the most interesting things
Speaker 2: people said on the panels you did well?
Speaker 4: I did. Probably my favorite panel was for Ford on Saturday.
Speaker 4: I did.
Speaker 1: They really have this big push for black women entrepreneurs
Speaker 1: right now at Ford, and they did a pitch contest
Speaker 1: where some really dope women who had in the amazing
Speaker 1: businesses they pitched to me, which I was like, this
Speaker 1: is fun, and so I have to kind of whittle
Speaker 1: them down until three finalists and then the Dreamcatchers and
Speaker 1: y'all will see it too, and you guys will get
Speaker 1: to vote and the winner will win a two year
Speaker 1: least for Ford Explorer to use toward growing their business.
Speaker 1: And so that was really fun just to see people's
Speaker 1: pitches and be like, oh, like it's hard, it's hard
Speaker 1: because Ford is one of the major major sponsors. So
Speaker 1: there's like four I think like McDonald's, Coca Cola, and Walmart,
Speaker 1: and so they're like the four major sponsors. So they
Speaker 1: had huge stages in the convention center. So you like
Speaker 1: we were sitting on the main main stage where like
Speaker 1: hundreds and hundreds and hundreds people are watching. So it
Speaker 1: was definitely nerve wracking, and I was like, oh, better
Speaker 1: y'all than me, because I'd be nervous too.
Speaker 4: But they all rocked out and so that was probably
Speaker 4: the funnest.
Speaker 3: And what business can you talk about? The businesses? Like
Speaker 3: what some of them?
Speaker 1: Yeah, So there's one that you guys might know called.
Speaker 1: Her name is Arsha Jones. She has a business called
Speaker 1: Capital City where she makes something called Mumbo Sauce.
Speaker 4: Are you familiar? Mandy was like, what mumbo sauce is?
Speaker 4: It's like it's like a yeah, so it's like a
Speaker 4: DC kind of like Maryland kind of Like I don't
Speaker 4: do you know the taste of it. I don't think
Speaker 4: I've ever had it. I've heard it's like a like
Speaker 4: a tangy barbecue slash. It's a specific sauce in that region.
Speaker 2: Right, But I've never tried it before, but I've heard
Speaker 2: of it.
Speaker 3: I wonderful has Old Day in it.
Speaker 2: It's from Maryland, Maryland, yes, right, but.
Speaker 1: It's very like if you're from that area, you know
Speaker 1: Mumbo sauce. But she's the first person to to make it,
Speaker 1: to like make it into like a business. So she
Speaker 1: bottled it, created her own version of it. And I
Speaker 1: mean it's like in like all of these stores. I
Speaker 1: believe it's in like Target. She's like in big box stores.
Speaker 1: So she owns like some crazy sized warehouse. She like
Speaker 1: you know, ships and bottles her her mumbo sauce. So
Speaker 1: it was just a dope business. I was like, why
Speaker 1: is she pitching to me? I need to be sitting
Speaker 1: here pitching her. But that was a dope one. There's
Speaker 1: a young woman named Lola who owns Lola International, I
Speaker 1: believe makeup, so she does celebrity makeup.
Speaker 4: She did mine that day. She was awesome. There was
Speaker 4: another woman which I love her.
Speaker 1: Her business is called Sanai Apple Sauce, so she I
Speaker 1: guess after doing some research, she found that apple sauce
Speaker 1: is actually really really healthy, but that adults tend to
Speaker 1: think of apple sauce as like a kid treat. So
Speaker 1: she wanted to change it that by creating like an
Speaker 1: adult apple sauce, where like the packaging was adult, it
Speaker 1: was really healthy for you, all fresh ingredients. So that
Speaker 1: was really nice. And then there was a like one
Speaker 1: in particular called the honey Pot, which I thought was
Speaker 1: dope black woman who who found out she had I
Speaker 1: think bacterial baginosis or something was suffered for it for
Speaker 1: a while, only to find out that like you know,
Speaker 1: that she could have through like special herbs or whatever,
Speaker 1: that you could basically like you know, vaginal health. And
Speaker 1: so she created a business to help women, especially women
Speaker 1: of color, take care of our you know, our vaginas
Speaker 1: I said, vaginals.
Speaker 2: I love that you had to say the word vagina
Speaker 2: like six times in the thirty second period.
Speaker 3: That was impressive. Vaginal girl, Clean badge Club. That's awesome.
Speaker 3: So you can your vaginal health things that you what
Speaker 3: is So what does she sell?
Speaker 2: Like?
Speaker 4: It's like, uh, you.
Speaker 1: Know what I mean, it's literally I know honestly, I
Speaker 1: was like, you know what, more power to her because
Speaker 1: you know, to get up on stage and to share like,
Speaker 1: oh hey, I had vaginosis by the way, you know,
Speaker 1: Like so she sounds like she's it's like this. I
Speaker 1: don't I'm looking at it now. It's like it looks
Speaker 1: like this pump where I guess she's wipes, feminine plant
Speaker 1: based care, herbal infused pads with wings.
Speaker 4: Oh wow, Okay, I don't know she sold pads. Look,
Speaker 4: give me was I paying attention? So she it looks
Speaker 4: like she sells kind of like.
Speaker 1: Things to you know, clean your vagina as well as
Speaker 1: like pads to make sure that you know you are
Speaker 1: protecting yourself because a lot of times I never heard that. Well,
Speaker 1: I guess I kind of knew that sometimes there's like
Speaker 1: a lot of unsafe levels of chemicals and those pads
Speaker 1: and your vaginas you know, it is an opening and
Speaker 1: so like you know, these these chemicals can can easily
Speaker 1: creep up inside and make for an unhealthy vagina.
Speaker 2: Yes, vagina. We could do a whole vagina episode.
Speaker 3: I love.
Speaker 2: I'm loving where this conversation is going. I could talk
Speaker 2: about vaginal health like all day air day.
Speaker 1: I know, And honestly, I was like, should I be
Speaker 1: Simon Carroll? Like should I be prola Abdul? Should I
Speaker 1: be Randy?
Speaker 4: You know?
Speaker 1: But no, honestly, it was all fun and honestly, everybody
Speaker 1: rocked out.
Speaker 4: So it was more so like me just giving like
Speaker 4: positive feedback.
Speaker 1: Like Ooh, I love how you you know, shared, how
Speaker 1: you use forward to you know, take your business to
Speaker 1: the next level, or I love that you know so
Speaker 1: many of the women. I just love women because so
Speaker 1: many of them, like their businesses were based in service,
Speaker 1: and if it wasn't naturally inclined to be based in service,
Speaker 1: they had somehow we've serviced into their business. And I
Speaker 1: was like, you guys are just amazing, you know. So yeah,
Speaker 1: it was just a really great time.
Speaker 2: Meanwhile, in the rest of the world, what's happening? So
Speaker 2: two things I noticed. One it's like businesses are getting
Speaker 2: rid of straws. Have you noticed this, like the summer
Speaker 2: when everyone realized how horrible straws offer the environment, and
Speaker 2: they're like all Starbucks just announced they're getting rid of
Speaker 2: their plastic straws by twenty twenty. Yeah, and in place
Speaker 2: of it, they're creating an adult sippy cup, which is
Speaker 2: like just imagine like I don't know, they're calling it
Speaker 2: a sippy cup, probably just for the headlines, but I
Speaker 2: think it's more like it's probably gonna be like kind
Speaker 2: of the lids with like a raised opening like you
Speaker 2: get on a coffee cup or something, a disposable coffee up.
Speaker 3: Okay, I don't know.
Speaker 2: I went to I went to this resort and they
Speaker 2: were anti straw. You had to beg for a straw
Speaker 2: to get one there, and if you did, it would
Speaker 2: be like the paper kind of straws. So that's cool
Speaker 2: if you want to be you know, do your part
Speaker 2: for the environment, request no straw when you go to
Speaker 2: a restaurant. And then I guess bitcoin is not doing
Speaker 2: too hot because now I'm starting to see bitcoin headlines again.
Speaker 2: It's Ben and Wilson's we talked about bitcoin. How is
Speaker 2: your your bitcoin? Don't you have a little stash of
Speaker 2: bitcoin on the side that you were playing with?
Speaker 4: I did. I bought like one hundred dollars worth.
Speaker 1: And then, you know, so even though obviously it wasn't
Speaker 1: gonna like break the bank, I'm not gonna lie.
Speaker 4: I'm I'm a chicken for losing money.
Speaker 1: So after like losing like half of it, I was like,
Speaker 1: you know what, I'll take my fifty thousand run you.
Speaker 2: Know what, your life.
Speaker 4: I couldn't out. I can't take I can't take it.
Speaker 1: I can't take it, so because I wanted to just see,
Speaker 1: like what's all the bust for what I wanted to see, like,
Speaker 1: how do you, like, you know, buy it?
Speaker 4: Is it as easy as people say?
Speaker 1: And I also wanted to see what it is easy
Speaker 1: to get your money and honestly as far as like
Speaker 1: when it was when you sold it, and it was,
Speaker 1: but I was just like, I am a super late adopter.
Speaker 1: So by the time I bought it, it was way
Speaker 1: past its prime and it was like, oh, you should
Speaker 1: have brought me like ten years ago.
Speaker 4: So yeah, I'm a proud bit coin deserter.
Speaker 3: Now.
Speaker 2: It's such a it's such a smart way to learn.
Speaker 2: I learned the exact same thing. I put one hundred
Speaker 2: dollars into this one company that I thought had really good,
Speaker 2: Like I went to this rushaurant all the time, and
Speaker 2: I just have I was like, man, I just want
Speaker 2: to like buy some stock with the robin Hood app.
Speaker 2: So I chose that company. I put one hundred bucks
Speaker 2: in and things were going really well until their next
Speaker 2: quarterly report came out and they announced they were closing
Speaker 2: like twenty stores because they had expanded too rapidly. And
Speaker 2: then the stock I think I've yeah, I think I've
Speaker 2: lost about like forty five of those one hundred dollars
Speaker 2: and I'm sitting here like.
Speaker 3: What do I do now?
Speaker 2: But it's like, also, oh, yeah, this is why I
Speaker 2: don't invest in single stocks.
Speaker 1: Yeah, yeah, honestly I do like Robinhood for that because
Speaker 1: it's a very are you very Like it's kind of
Speaker 1: like safe place to be, like, let me buy this
Speaker 1: one stock and then freak out when I lose my
Speaker 1: two dollars.
Speaker 4: You know. So I did that all the time.
Speaker 1: Like if I get like hot stock tips, I'm like, oh,
Speaker 1: I said, buy this one two dollars stock.
Speaker 4: Oh you know what, No, I knew it. I knew
Speaker 4: it's too much. I can't do this.
Speaker 1: Well, do you want to take some Twitter, Instagram and
Speaker 1: Facebook street headlines see what folks are saying.
Speaker 3: Sure, let's check the twitters.
Speaker 1: You know what I forgot in our last in our
Speaker 1: last episode that we talked about how we met our booze,
Speaker 1: people really love that. I said, Oh, y'all, so nosy,
Speaker 1: I know, I love it, you know, like, so you
Speaker 1: guys really enjoyed that, and so we got some great feedback.
Speaker 4: Let's see Rnell.
Speaker 1: This is in on Twitter rnell profit Her Twitter handle
Speaker 1: is Oh she did that.
Speaker 4: Oh that's cute. Oh she did that? Okay right now.
Speaker 4: She said at to be a podcast episode one thirty four.
Speaker 4: I love how you named it. Loved the story about
Speaker 4: house TIF met Superman all the fiels when she talked
Speaker 4: about the sweet things he does.
Speaker 1: My love language is acts of service, so it spoke volumes.
Speaker 1: I want that too. Oh, dating over forty is a struggle,
Speaker 1: ah are now?
Speaker 4: Yeah?
Speaker 1: Honestly, Like, I mean, you know, I met Superman. We
Speaker 1: started like really dating like mid mid thirties, and that
Speaker 1: was a struggle to a child. So yeah, I mean
Speaker 1: there's no people will tell you, oh, you gotta just
Speaker 1: do this, you gotta just do that.
Speaker 4: No.
Speaker 1: I felt hopeless for a long time, like I wasn't
Speaker 1: gonna find anybody. I just decided to open myself up
Speaker 1: to a to love looking differently than what I kind
Speaker 1: of like, what I kind of identified for myself. And
Speaker 1: as a results, you know, I was able to find
Speaker 1: something different but awesome. Anything you found in these Twitter
Speaker 1: ig or Facebook social streets?
Speaker 3: Yeah, on Twitter or what do you call him?
Speaker 2: Our follower Amby at Amby sweetheart. Her name's Destiny said
Speaker 2: Shout out to the BA podcast for sharing a list
Speaker 2: of the best credit cards for college students because I
Speaker 2: was struggling. Hashtag per hands, hashtag double prayer hands.
Speaker 4: Are you ready to break or boost?
Speaker 1: Because I have actually have a break in a boost
Speaker 1: and I cannot wait to rip into my break, especially.
Speaker 3: I have a break. I'm break.
Speaker 2: I'll go first. Sorry to make you wait to rip
Speaker 2: into your to your break.
Speaker 3: I'm gonna do a break for stitch Fix.
Speaker 2: And I don't mean to call them out, well I do,
Speaker 2: because that's only It's like stitch Fix is one of
Speaker 2: these uh clothes subscription services where you fill out like
Speaker 2: a questionnaire about what you like and your sizes and stuff,
Speaker 2: and you pay twenty dollars a month and they'll send
Speaker 2: you three to five I think three to five items
Speaker 2: in the mail, and if you like them, you keep
Speaker 2: them and you pay for them, and if you don't,
Speaker 2: you return them and they keep that they keep that
Speaker 2: twenty dollars and if you end up paying for them,
Speaker 2: then they put that twenty dollars toward your purchase.
Speaker 3: Basically, and I thought.
Speaker 2: It would be great to take like outsource my shopping
Speaker 2: because I hate going to the to the stores. Like
Speaker 2: I used to be able to spend hours at outlet
Speaker 2: stores and the mall and stuff, and now I just
Speaker 2: I cringe anytime I have to do that.
Speaker 3: So I thought it was a great idea.
Speaker 2: And I gave it like three months. I gave it
Speaker 2: a good try. I found maybe one or two things
Speaker 2: that I liked that I kept. It didn't feel like
Speaker 2: the clothes were different or special or cool or interesting,
Speaker 2: and they like kind of were my style, but kind
Speaker 2: of not. And they kind of they make it so
Speaker 2: that you can tell your stylists because you supposedly get
Speaker 2: a style.
Speaker 4: You know, it was supposedly well.
Speaker 2: It's like, you know, someone sends you a little note
Speaker 2: saying I'm your stylist, and you know whatever. Who knows
Speaker 2: that they're like a bot or what. Maybe they're a
Speaker 2: real person and you give them feedback. But after that
Speaker 2: third time, I'm a little risk averse two and I'm like,
Speaker 2: I don't want to keep paying my twenty dollars. And
Speaker 2: then if you if you don't purchase everything, things are
Speaker 2: I think more expensive than they should be. I always
Speaker 2: felt like I was paying like you would save a
Speaker 2: lot more if you bought everything all at once, but
Speaker 2: then I would be buying stuff that I didn't like. Well,
Speaker 2: you get what you pay for. I guess that's what
Speaker 2: twenty dollars buys me.
Speaker 4: All Right, you're turn, so I'll do my I'll do
Speaker 4: my break first and then a boostsuince that's nice.
Speaker 1: So my break is to Tiffany the budget Nista on Instagram.
Speaker 4: You little scam artists, So not me, Tiffany the budget LISTA.
Speaker 4: So there's actually somebody.
Speaker 1: So my Instagram handle is at the Budgetisa, but there's
Speaker 1: an Instagram handle where their name is literally Tiffany the Budgetista,
Speaker 1: And so they cloned my Instagram page.
Speaker 4: They they took they took my picture.
Speaker 1: And they actually sent like a friend request to like
Speaker 1: all my friends.
Speaker 4: People are like when I say all day today, I
Speaker 4: must have got.
Speaker 1: Like fifty texts, emails, Facebook messages, Instagram messages.
Speaker 4: Hey Tiffany is this you? Hate? Tiffany? Is this you?
Speaker 1: So at first I was like, well, what's their intent
Speaker 1: because they didn't post anything. So they've been in people's
Speaker 1: inboxes with their very terrible English saying like hello, like
Speaker 1: if you're like hey, and then my friend is like hey,
Speaker 1: how you do hate tiv what's up?
Speaker 4: Girl?
Speaker 1: They're like, do you know there is financial programs for
Speaker 1: people with children and parents and women and like the
Speaker 1: English is so terrible, and my friend like because my
Speaker 1: friend took a streen jop, she.
Speaker 4: Was like, girls, like, what the hell is Tiffy talking about.
Speaker 4: I'm like, it's not me.
Speaker 1: So I posted on my my IG page like with
Speaker 1: a screenshot like this is not made to scam, please
Speaker 1: report them. So I already went behind the scenes and
Speaker 1: did like the official IG reporting where you have to
Speaker 1: like take a picture of yourself holding your license, which
Speaker 1: is like so weird, and be like it's me.
Speaker 4: I'm the real Tipany first of.
Speaker 3: All, they spilled budgetista wrong.
Speaker 4: I know an budgety stai.
Speaker 1: I'm like, next time, like my friends, I'm like, honestly,
Speaker 1: I'm gonna want you to think highly more highly of
Speaker 1: me because that's the highest belt budget NISA. But they
Speaker 1: haven't posted anything, but apparently if you're friends with them,
Speaker 1: then they'll send you a message. I don't know what
Speaker 1: they're I mean, I'm assuming they try to scan people
Speaker 1: to sign up for whatever program and take your money
Speaker 1: and then you'll think it to me.
Speaker 4: I'm just hoping that people don't.
Speaker 1: But obviously if my own friends, like literally one of
Speaker 1: my closest like or like tightest friends, I'm like, Dessa really,
Speaker 1: Like I looked at their friends lists, I'm like, really, Dessa,
Speaker 1: the person with no friends and like two friends, it's friends.
Speaker 1: Like with the misspelled budget thea You're like, oh, it's Sippany, hey,
Speaker 1: even though we're friends already on.
Speaker 3: Social just trying to be supportive.
Speaker 1: I know. So what I did was like people who
Speaker 1: I was actually friends was in real life. There's maybe
Speaker 1: like ten of them. I messaged them. I'm like, girl,
Speaker 1: you know that's not me, right, And they're like, oh,
Speaker 1: I was wondering. So yeah, So if you see Tiffany
Speaker 1: the bunch Anista, it's not me. Hopefully by the time
Speaker 1: we tape again, you'll be down.
Speaker 2: I haven't looked at your page in a while. I
Speaker 2: just remember that picture, the throwback you posted on Father's Day.
Speaker 2: Why did you look like you were forty four years
Speaker 2: old when you were like eight years old?
Speaker 4: Wow?
Speaker 3: What is then? It is that outfit?
Speaker 4: Yes?
Speaker 1: Meanwhile, Manny, you could not tell me in that purple
Speaker 1: suit that I was not playing yo?
Speaker 4: That was like mine? You can't tell me nothing in
Speaker 4: this purple suit.
Speaker 1: And meanwhile, like the story behind that suit, and the
Speaker 1: reason where I'm not smiling is that that was my
Speaker 1: first year in public school. Because when I went to
Speaker 1: Catholic school, you got really dressed up for picture day.
Speaker 4: So that was like my Sunday's Best. Meanwhile, for public school,
Speaker 4: you don't.
Speaker 1: You didn't get dressed no, no, no, And so I went
Speaker 1: to school in my Sunday's Best first year sixth grade.
Speaker 4: Yo. When I tell you, the kids were hollering.
Speaker 3: Oh, I'm sorry, and you know it's so crazy.
Speaker 4: Like now I'm a teacher, so I totally get it.
Speaker 1: All the teachers were like, oh, because you know, as
Speaker 1: a teacher, that is so cute that like the one
Speaker 1: little sixth grader got her Sunday's Best on it.
Speaker 4: I had, of course, my grandma pumps on like, oh, that.
Speaker 3: Was the longest day ever, I bet the.
Speaker 4: On top of that, I already had a jerry crow,
Speaker 4: which was not the style. So I just had a
Speaker 4: lot going on. It was a bad thing. And so
Speaker 4: that picture I'm literally looking at the camera like take
Speaker 4: the camp pictures. I literally ran home from school. My
Speaker 4: mother was like, I don't care what those kids were wearing.
Speaker 4: I'm not paying for pictures of you and jeans. I
Speaker 4: was like, I can't do it. I don't want to
Speaker 4: go back to school to.
Speaker 2: Child like that.
Speaker 1: So that was my break, which is Tiffany the Bunch
Speaker 1: of Lisa on like I said, not that's my name
Speaker 1: on Insta, but it's not my Instagram name. My Instagram
Speaker 1: name is at the Bunch of Essa, So don't go
Speaker 1: cuss me out like at the Bunche of Lisa.
Speaker 4: But you can go cuss them out.
Speaker 1: But my boost is so when I was there at
Speaker 1: at Essence past sometimes you know, like I work from home,
Speaker 1: so I don't necessarily get to see like people's reaction.
Speaker 4: So you remember the show Living Single, Yeah.
Speaker 2: I watched this whole weekend. I watched like the last
Speaker 2: season again.
Speaker 4: Yeah oh really, well you know, I mean, like I
Speaker 4: don't want to take anything for granted. Miss what is
Speaker 4: Golden Girls?
Speaker 3: So you know what?
Speaker 1: Anyway, I was like doing something called East Sweets. Essence
Speaker 1: had like a like a like a it was kind
Speaker 1: of like a smaller offshoot event like that Essence had
Speaker 1: where they had like other like black business women teach
Speaker 1: like little classes and seminars and stuff like that and panels.
Speaker 1: And so I was there and I saw Kim Coles
Speaker 1: who sin Clair from Living Single, so like.
Speaker 2: She's like a motivational speaker now or something, right.
Speaker 4: Yeah she is. And so I was in the hallway
Speaker 4: and I hear her go oh my god, oh my god,
Speaker 4: oh my god. I'm like, oh my yead.
Speaker 1: I'm looking around because like mc light was there all
Speaker 1: these people, and she runs up to me and says, hey, hey.
Speaker 4: Hey, Madra. I was like wait what and she was like,
Speaker 4: oh my god, Tiffy, I love you. You saved my life.
Speaker 4: You saved my credit score. I was like wait what.
Speaker 1: And she was like, you make my credit score jump
Speaker 1: like Jordan and you know, like that's like one of
Speaker 1: my phrases.
Speaker 4: I was when I say I was gagging. I was
Speaker 4: like wait.
Speaker 1: I literally gets kept saying wait, okay, wait wait, and
Speaker 1: she was like you don't understand. She said, I'm fangirling out.
Speaker 1: She's like, is this how it feels? Because like when
Speaker 1: people do this to me, I'm like, it feels weird.
Speaker 4: Are you weird it out?
Speaker 1: I didn't even say anything. I was like wait, okay, wait.
Speaker 1: And I because I was so nervous and frazzled. I
Speaker 1: started singing the living Living.
Speaker 2: Single, Oh my god, short circuit, I don't know where
Speaker 2: I'm like, you live it.
Speaker 1: She's like looking at me like oh okay, and then
Speaker 1: her people were trying to rush her away, and she's like, no,
Speaker 1: I gotta get a picture of Tiffany. So we took
Speaker 1: like a bunch of pictures and then she likes whisked off,
Speaker 1: and I just was like, what just happened?
Speaker 4: Like I grew up? I told her. I was like,
Speaker 4: you know, I grew up. Who didn't grow up as
Speaker 4: a brown girl like on Living Single? I mean, I mean.
Speaker 1: You you're the ones who made it possible for there
Speaker 1: to be a show friend, you know. And I was
Speaker 1: just I just couldn't believe it that because you know,
Speaker 1: you're like home, like huh huh, and like wait.
Speaker 3: Where is this picture?
Speaker 2: And why isn't she on the podcast? And when is
Speaker 2: that happening?
Speaker 4: You know what? I didn't even think about that? Do
Speaker 4: you never think about that? I want to hit my
Speaker 4: friend up because you know, now we're besties.
Speaker 1: Actually we're not, but I'm definitely gonna hit her up,
Speaker 1: like I think I think a friend of mine actually
Speaker 1: friends with her on Facebook, so I'll let her friend
Speaker 1: request and I'll definitely ask her, like, you know, if
Speaker 1: you'd love I would love to have you on my podcast.
Speaker 1: She was so not I just couldn't believe it, man.
Speaker 4: Because I was just were you what'd you say? I
Speaker 4: would have loved that.
Speaker 3: I'm getting emotional for you and like clawing at my chest.
Speaker 3: I don't know why. That's amazing.
Speaker 1: I just read it and we started singing because like
Speaker 1: my brain was like, don't know what to say, just
Speaker 1: sing the song.
Speaker 4: So yeah, that was definitely like I haven't even I
Speaker 4: saved those pictures.
Speaker 1: I have been doing a separate post like my most
Speaker 1: epic moment, because I mean, like I I got to
Speaker 1: go to the HBO and Secure party. I went to
Speaker 1: this like little little party afterwards, and Asa Ray was
Speaker 1: there and her crew danced it up, and nothing compared
Speaker 1: to like Sinclair Living single Kim Cole saying oh my god,
Speaker 1: hey hey hey.
Speaker 4: When she said hey, hey, hey, I was like, wait,
Speaker 4: does she just give me my line? Oh my god?
Speaker 4: So you know what, remember in the beginning, guys man
Speaker 4: used toy hait on my hey hey, hey.
Speaker 3: Remember how is this gonna turn back on me. It's
Speaker 3: just rude. And also, did like.
Speaker 2: Satt Albert really originate that he did?
Speaker 3: Okay, in the public domain.
Speaker 4: I'm reclaiming it. No, but yeah, it was just that
Speaker 4: part was just awesome. And so yeah, that was my
Speaker 4: boost because I didn't I'm glad I ended it with
Speaker 4: the booz because I feel.
Speaker 2: Like, you know, I don't know bre you can hold
Speaker 2: that in for so long.
Speaker 4: I know I was holding it. I was like, oh,
Speaker 4: this is too good, this is too good.
Speaker 2: All right, let's get to these questions from lovely lovely listeners.
Speaker 2: You guys can email us at brand Ambition Podcast at
Speaker 2: gmail dot com or hit us up at brandnambitionpodcast dot
Speaker 2: com to send us your questions. We have a couple
Speaker 2: of really good Wednesday I wanted to get to from.
Speaker 2: Both of them have to do with getting a home
Speaker 2: for the first time. So the first question comes from
Speaker 2: listener Naomi. Naomi says, hey, hey, hey see, everyone loves it.
Speaker 2: She's like, I'm a third year teacher in San Diego, California,
Speaker 2: and I'm exploring the option of buying a home using
Speaker 2: an FAHA loan and FHA loan is a track to
Speaker 2: me because there's only a three point five percent down payment,
Speaker 2: and they're lenient with Fyco scores. I'm working on improving
Speaker 2: my Fyco score from six point thirty to get it
Speaker 2: over six sixty. My plan is is that by the
Speaker 2: time I apply for the loan, I will have zero
Speaker 2: credit card debt, only a student loan, and my debt
Speaker 2: to income ratio will be fifty percent or less. I've
Speaker 2: heard that if you can't put down a down payment
Speaker 2: of twenty percent, you can't afford to buy a house.
Speaker 2: But I'm forty years old and I'm running out of time.
Speaker 3: What do you think.
Speaker 1: I disagree with that notion right, that you can't put
Speaker 1: down twenty percent, you can't afford to buy a house.
Speaker 2: Well, she just like contradicted what she's found out for herself,
Speaker 2: which is that there are loan programs out there that
Speaker 2: don't require that much down like the FAHA loan. For example,
Speaker 2: if your credit score is over five eighty, they require
Speaker 2: and you meet other requirements, the down payment's only three
Speaker 2: point five percent, and they'll even accept people with credit
Speaker 2: scores under that under five eighty. But then you'll have
Speaker 2: to put down ten percent. But that's like one of
Speaker 2: the most common first time home buyer loans.
Speaker 4: Yeah, for that's what I used.
Speaker 1: Oh you did, okay, well not obviously for this this
Speaker 1: past house, but like the first THU, yeah, the first one.
Speaker 4: That's what I use.
Speaker 1: And the thing is that the truth is, I think
Speaker 1: I might have had the twenty percent, but I decided that,
Speaker 1: like I did the mask with my mortgage person, and
Speaker 1: she was like, if you put down the twenty percent,
Speaker 1: it's only going to lower your mortgage amount by I
Speaker 1: think it was like twenty bucks a month or she
Speaker 1: was like, oh, you can have that cash on hand
Speaker 1: to help with like any like you know, maybe like
Speaker 1: surprise expenses. And so I decided, after like weighing the
Speaker 1: mask on both sides, I decided that that an fah
Speaker 1: loan and putting down that three point five percent was
Speaker 1: actually like a better deal for me to be able
Speaker 1: to still have like cash, you know, at hand, which
Speaker 1: I needed because I was like, you know, buying furniture
Speaker 1: and all that kind of stuff. So yeah, I don't
Speaker 1: think that it means that. I mean I get it,
Speaker 1: like that's the old school way of thinking, like if
Speaker 1: you can't put down a substantial amount, but you know,
Speaker 1: these loans exist for a reason. And if you know that,
Speaker 1: you're what's most important is what your monthly income is
Speaker 1: in relation to what your mortgage is going to be.
Speaker 4: Because what's the rule of thumb? Many, isn't it?
Speaker 1: You really don't want it to be more than thirty
Speaker 1: percent your mortgage more than thirty percent of what your
Speaker 1: your your income is.
Speaker 2: Yeah, but one third is a good rule of thumb.
Speaker 1: Yeah, And so that's what I would say, honestly, like
Speaker 1: that you want to you don't want to be spending
Speaker 1: half of your income on on your house because that
Speaker 1: leads you with very little wiggle rooms. So I think
Speaker 1: that if if you're in that thirty percent range, like, oh,
Speaker 1: let's just say, for math's sake, I make a thousand
Speaker 1: dollars a month and my mortgage is three hundred, you're
Speaker 1: in a good space.
Speaker 2: Definitely, all right?
Speaker 3: Next question.
Speaker 2: Next question comes from an anonymous listener, also related to
Speaker 2: home purchasing. She is younger. I think in her what
Speaker 2: is it?
Speaker 3: What does this say?
Speaker 2: All right, I'm gonna as a young single person. I
Speaker 2: don't know what that means. So let's say in her
Speaker 2: twenty to thirties, she says, I have no debt I
Speaker 2: contribute the max to my four O one K, a
Speaker 2: small percentage to my retirement or not retirement, a small
Speaker 2: percentage to my ESPP, and I have an emergency fund.
Speaker 2: After paying off my student loans last year, I saved
Speaker 2: about twenty thousand dollars. But I live in one of
Speaker 2: the hottest housing markets in the country. As a young
Speaker 2: single person, I feel like I'm going to be saving forever,
Speaker 2: and I'm concerned about knowing who I can trust through
Speaker 2: the process. I know there are options for lower down payments,
Speaker 2: but I'm also aware that lenders specifically have targeted black
Speaker 2: women for subprime mortgage loans in the past. Do you
Speaker 2: have any advice on where to begin for single first
Speaker 2: time home buyers. It would be greatfully appreciate it. Thank
Speaker 2: you so much.
Speaker 4: I've heard like good things about NACA and ACA. Do
Speaker 4: you know what NACA stands for? I never you know,
Speaker 4: I never looked into that.
Speaker 2: No, no, wait, yeah, I've heard of NAKA, but I
Speaker 2: forget what it stands for now.
Speaker 4: So NACA.
Speaker 1: There are like so many dreamcatchers posted about NACCA and
Speaker 1: so I've heard good things, although sometimes it may.
Speaker 4: Be a little slow.
Speaker 1: Where you take a class, they help you get your
Speaker 1: credit together and then you can qualify for a program
Speaker 1: as long as you want to be Like I believe you. No,
Speaker 1: I don't even think you always have to be owner occupied.
Speaker 1: I think you're even allowed to do it with like
Speaker 1: a rental property, but that they can get you sometimes
Speaker 1: even zero percent down. No closing costs a really low
Speaker 1: interest rate. So maybe the interest rate is like say
Speaker 1: five percent, but with NACA that it might be three percent.
Speaker 4: So I definitely would look into NAKA. N ACA.
Speaker 2: That's Neighborhood Assistance Corporation of America. I've never heard of Okay,
Speaker 2: maybe I haven't heard of that. It's a nonprofit community
Speaker 2: advocacy and home ownership organization mm hm.
Speaker 1: And so I mean I've never I can honestly say
Speaker 1: I've never heard their full names. Is that I just
Speaker 1: you know, everyone just says, oh, try NAKA. A friend
Speaker 1: of mine did it. She got a three family house.
Speaker 1: She does live there, and like her interest rate was
Speaker 1: like a point or two less a point, meaning, like
Speaker 1: like I said, if everyone's their interest rate is five percent,
Speaker 1: that's the going rate.
Speaker 4: Hers was three percent, So.
Speaker 1: That's significant, Like it's a lot of money of the
Speaker 1: lifetime of the loan and she didn't have to put
Speaker 1: down a down payment or significantly less, So that's definitely
Speaker 1: a good place to start. I also, do you know
Speaker 1: what I find like if you get a really good realtor,
Speaker 1: they often are really knowledgeable about different programs happening and
Speaker 1: so like. So I asked a bunch of realtors, even
Speaker 1: if they weren't my realtor, I asked a bunch of
Speaker 1: them just like, hey, do you know of any programs
Speaker 1: because sometimes brokers and realtors, you know, we'll we'll hear
Speaker 1: things before we do or but this is what they
Speaker 1: do all day every day, talk about this kind of stuff.
Speaker 1: So I would ask realtors too, like cause I know
Speaker 1: M ANDT Bank and like Mike, Michael and Tony. I mean,
Speaker 1: that's not what it stands for.
Speaker 4: But they had like.
Speaker 1: A program for people of color who were buying homes
Speaker 1: where it's a majority of people of color living there.
Speaker 1: And at the time it was like up to like
Speaker 1: eighteen thousand dollars or something like that, and now it's
Speaker 1: I think it's like up to five or six thousand,
Speaker 1: but you could put toward closing, so that's you know,
Speaker 1: that's out there because M ANDT Bank was definitely one
Speaker 1: of those companies that were that were giving unfair interest
Speaker 1: rates to people of color. So they got caught and
Speaker 1: as a result they have to do this kind of restitution.
Speaker 1: But yeah, I mean, I think asking real estate professionals
Speaker 1: is a great place to start.
Speaker 2: And yeah, she seems worried about getting like scammed or
Speaker 2: duped into a bad loan because she's a woman or
Speaker 2: a minority, And yeah, it's mortgage lenders have discriminated against
Speaker 2: people of color.
Speaker 3: That's a known fact.
Speaker 2: What I will say is, you know, since the housing crisis,
Speaker 2: organizations like the CFPB and with Dodd Frank Act, it's
Speaker 2: become a lot harder to offer bad mortgage loans, like
Speaker 2: offer loans to people that they couldn't that they can't afford,
Speaker 2: or just bad predatory products in general. So want to
Speaker 2: keep these organizations around. That's why they're here. But you know,
Speaker 2: going if yes you can, you can contact like a
Speaker 2: mortgage broker and see if they have access to any
Speaker 2: any lenders. But you know, start from what type of
Speaker 2: mortgage you're looking for too. If you're a look looking
Speaker 2: for an FAHA loan, for example, there's a list of
Speaker 2: FAHA approved lenders that you can work from and you
Speaker 2: know that, Okay, these have been signed off on by
Speaker 2: the Federal Housing Authority and there you know, legit and kosher.
Speaker 2: I chose when we were shopping for mortgage loans. I
Speaker 2: didn't use a broker because I feel like I know
Speaker 2: every single bank and ever. And we just basically went
Speaker 2: to three or four different well actually five if you include.
Speaker 2: We looked at us a A, looked at SOFI, looked
Speaker 2: at Ally, looked at City, and then Quickened Loans, which
Speaker 2: is an online lender for we were shopping for mortgage rates,
Speaker 2: and you can do things like check their check the
Speaker 2: complaint database that the cfp B has online and see
Speaker 2: if there's a ton of complaints against mortgage lenders before.
Speaker 2: And you know, but at the end of the day,
Speaker 2: you want to pick the lender, you know, whether it's
Speaker 2: like a home home ownership assistance program or something like
Speaker 2: that or like a regular lender, pick the one that
Speaker 2: has the best product and the best term for you,
Speaker 2: and just compare compare, compare, so you know you're getting
Speaker 2: the best deal.
Speaker 4: Yeah, that is like the key.
Speaker 1: Compare compare, And like I would start now, like so
Speaker 1: almost like it's almost like six months before you're like,
Speaker 1: you know what, I'm gonna be looking at houses. You
Speaker 1: can never be too early with like starting the mortgage process.
Speaker 1: So I don't know if you did this, Mandy, but
Speaker 1: I didn't let anybody pull my my my score until
Speaker 1: I was like pretty sure this is the company I
Speaker 1: wanted to go with, Like I just went online got
Speaker 1: my score and it was like, no, I know my score.
Speaker 1: You know they'll they'll try to like finagle you, like, oh,
Speaker 1: I can't give you a really accurate I'm like, well,
Speaker 1: just give me as close as you can to the
Speaker 1: score that I'm giving you, because I didn't want all
Speaker 1: of these like pulls and hard inquiries on my on
Speaker 1: my credit report when I was going to buy a house.
Speaker 1: So you're you don't just so you know, when you're
Speaker 1: asking for like interest rates, you don't have to give.
Speaker 4: Your score, like, well, you don't have to give them
Speaker 4: the ability to pull your credit score from.
Speaker 3: Their end, right.
Speaker 2: So what a lot of lenders offer is a quote.
Speaker 2: They may offer a quote, which is where they may
Speaker 2: ask for the last four digits of your social and
Speaker 2: do like a soft pull of your credit and then
Speaker 2: give you an estimate like a quote again where they say, okay,
Speaker 2: we might be able to offer you this rate, And
Speaker 2: that's a good way to shop around because it won't
Speaker 2: ing your credit score. So lending Tree, the company that
Speaker 2: I work for, offers a mortgage marketplace where you can
Speaker 2: basically fill out an online form, you put in a
Speaker 2: couple of pieces of information, then they may be able
Speaker 2: to direct you to lenders who can offer you quotes.
Speaker 2: So that's what a lot of lenders do now, and
Speaker 2: that's a good way to shop around when you're just
Speaker 2: casually shopping around. But if you're serious about so she
Speaker 2: asks sort of what are the steps to to home ownership?
Speaker 2: So I would say, if you're casually, you know, shopping around,
Speaker 2: you just want to see what you might qualify for,
Speaker 2: a quote is one way to go. And then if
Speaker 2: you're when you're serious, are a pre approval is what
Speaker 2: you want to get. And with the pre approval, they're
Speaker 2: actually going to ask for more financial documents, they're going
Speaker 2: to ask for your full social they're going to do
Speaker 2: a full on, you know, hard inquiry to your credit history.
Speaker 2: That's that shouldn't frighten you from shopping from multiple lenders
Speaker 2: because as long as you get multiple pre approvals within
Speaker 2: a short window of time like fourteen I think two
Speaker 2: to fourteen to forty five days is kind of the
Speaker 2: standard that according to FIKO, for that window, it'll only
Speaker 2: count as one hard inquiry. So for example, my husband
Speaker 2: and I when we were ready to shop, we did
Speaker 2: all of our shopping in like one week, and my
Speaker 2: credit maybe dropped five points.
Speaker 3: That was it.
Speaker 2: And it's not that big of a deal, and it's
Speaker 2: not you know, it's worth it to shop multiple lenders,
Speaker 2: But the pre approval is important because this is actually
Speaker 2: a much stronger this is a much stronger vote of
Speaker 2: confidence from the lender because they're saying, yeah, there's a
Speaker 2: really good chance we're going to approve you for this mortgage,
Speaker 2: and here is the rate that we are the pretty
Speaker 2: pretty good estimate of the rate we can give you
Speaker 2: and the terms we can give you, And then you
Speaker 2: can use that to compare to other offers from lenders.
Speaker 2: And also, like when you're buying, when you're putting in
Speaker 2: an offer on a house, sometimes the seller's agent won't
Speaker 2: even talk to you if you don't have a pre approval,
Speaker 2: and in other cases you may like, look, it's gonna
Speaker 2: make you seem like a much more legitimate candidate than
Speaker 2: other potential buyers out there. So it can give you
Speaker 2: like a competitive edge to have that pre approval because
Speaker 2: that seller is going to know, Okay, they've checked her credit,
Speaker 2: she has been pre approved for this loan amount, and
Speaker 2: we have a really good idea that she's going to
Speaker 2: be able to close this mortgage loan, so we will
Speaker 2: go with her. So that's another benefit to the pre
Speaker 2: approval end. Yeah, you can get as many pre approvals
Speaker 2: as you want. I think we did five in the end,
Speaker 2: and it was really helpful because we could compare and
Speaker 2: see what all the differences were, and ultimately we went
Speaker 2: with the lender that offered us the best deal and
Speaker 2: one of the lenders you know sometimes they would say,
Speaker 2: you know, we can beat that rate if you show
Speaker 2: us whatever rate, what you know other rate you can get,
Speaker 2: Like I remember we looked at Sofi. Sofi offers a
Speaker 2: mortgage with just ten percent down, and they they say
Speaker 2: they don't charge any origination fees, but just basically like
Speaker 2: a processing fee for your application. A lot of every
Speaker 2: mortgage lender basically charges the traditional ones charge origination fees.
Speaker 2: So one way so Far differentiates itself is by saying,
Speaker 2: you know, we don't charge fees, but when we compare
Speaker 2: to Sofi's pre approval offer to what we were getting
Speaker 2: from other lenders, their rates were higher.
Speaker 3: So it was almost like, yeah.
Speaker 2: There's no fees, but they charge a higher rate, which
Speaker 2: over the long term, you know, because we're staying in
Speaker 2: our house for at least ten years, that could end
Speaker 2: up costing us more. So it was it was good
Speaker 2: to have those things side by side to look at
Speaker 2: and compare.
Speaker 4: No, that's goods. There are like a number of numbers
Speaker 4: you want to look at. Yeah, these are good questions.
Speaker 1: I know we said we're not going to talk about renovations,
Speaker 1: but I just wanted to share something that I learned today.
Speaker 4: I'd gone to city hall today in Newark because I
Speaker 4: heard a little Bertie.
Speaker 1: Told me that there might be some sort of tax abatement.
Speaker 1: An abatement is basically like a hold on paying taxes if.
Speaker 4: You're a business owner and a homeowner Newerk.
Speaker 1: So I was like, and I've been calling, but like
Speaker 1: most city halls, nobody picks up the phone.
Speaker 4: So I've been calling for like a month.
Speaker 1: So I was like, you know, what let me just
Speaker 1: go down there, because you know, it's just I just
Speaker 1: need to go down So I went and although I
Speaker 1: found out that no, that that wasn't true, or at
Speaker 1: least that's what the person told me, which I felt
Speaker 1: like they didn't want to look up anything, so whatever,
Speaker 1: But I walked into so many different offices. I found
Speaker 1: that there was a tax abatement program, and I just
Speaker 1: thought about you, Manny, that you know, you might want
Speaker 1: to ask your city. So here's the way this tax
Speaker 1: abatement program works in Newark, that if you do renovations,
Speaker 1: you can actually get an abatement on the property increase
Speaker 1: as a result of the renovation. So let's just say
Speaker 1: that my property assesses for let's just say one hundred
Speaker 1: thousand dollars, and my taxes are five thousand dollars a year,
Speaker 1: and then I do one hundred thousand dollars worth of renovation.
Speaker 1: So now my property has doubled in value, so my
Speaker 1: taxes are likely to nearly double. And so if I
Speaker 1: applied for this tax abatement after renovations are done, I
Speaker 1: can actually suspend that additional increase for five years.
Speaker 4: And I was like, wow, that's awesome, right.
Speaker 3: Oh yeah, that's dope.
Speaker 2: My husband and I were just talking about that because
Speaker 2: we had just had a tax, a new property tax
Speaker 2: assessment this past May, and then we wondered how soon
Speaker 2: after our renovation they were going to reassess our property
Speaker 2: and then start taxing us at the higher value. So yeah, definitely,
Speaker 2: I'll do anything.
Speaker 1: You'll save money, right, I was like, you know, just
Speaker 1: go down to city hall and see like, hey, do
Speaker 1: you guys have like any sort of I just like
Speaker 1: kept to general any sort of tax abatement programs, and
Speaker 1: the lady ripped that out, and I was like, well,
Speaker 1: this is good.
Speaker 4: Any other questions. I think that was good though.
Speaker 3: Yeah, we're good.
Speaker 2: One questions you guys again, hit us up at Brannambission
Speaker 2: podcast dot com, ask us anything, tab to send us
Speaker 2: a question, or you can email us directly at Brandambition
Speaker 2: Podcast at gmail dot com dot com.
Speaker 1: And if you're feeling particularly sentimental, listen to our last episode.
Speaker 1: Gremandy and I talked about somebody asked really sweet question
Speaker 1: about how we met our misters, and you guys really
Speaker 1: enjoyed it. So if you didn't listen, go and listen,
Speaker 1: And honestly, I like questions like that. So you can
Speaker 1: obviously send us you know, financial career, business questions, but
Speaker 1: you know where this is also a podcast about like
Speaker 1: you know, brown girl life, and so if you have
Speaker 1: just some like general kind of like life questions you
Speaker 1: want to ask us, you know, we like those two.
Speaker 2: We're all about the holistic approach, not just money, but
Speaker 2: other stuff too, exactly, which is why we need Kim
Speaker 2: Cole motivational speaker to come on the podcast.
Speaker 4: To sam let me call my best friend.
Speaker 3: Woo woo woo.
Speaker 4: Oh oh my god, y'all.
Speaker 1: I was like, you have no idea, I mean, no,
Speaker 1: you know what, Actually I'm gonna send you. I'm gonna
Speaker 1: like text you like the pictures of like my face
Speaker 1: like that. You should see the evolution of like my
Speaker 1: face like wait wait wait literally like hand to chest
Speaker 1: clutching imaginary pearls like my sister. My sister Lisa was
Speaker 1: like taking like you know, like secession of pictures and
Speaker 1: you could just see me losing my mind like looking
Speaker 1: at her, like can.
Speaker 3: You believe that's awesome? You can retire