1 00:00:16,040 --> 00:00:19,360 Speaker 1: Yeah, it's been really nice. I would say, like we 2 00:00:19,520 --> 00:00:23,640 Speaker 1: I officially left on Thursday, but it took me maybe 3 00:00:23,920 --> 00:00:27,120 Speaker 1: until like yesterday to feel like I was on vacation. 4 00:00:27,760 --> 00:00:28,000 Speaker 2: I was. 5 00:00:28,640 --> 00:00:30,479 Speaker 1: I was a little tense. I was a little like 6 00:00:30,520 --> 00:00:32,400 Speaker 1: still checking my work email. They were a couple of 7 00:00:32,440 --> 00:00:35,280 Speaker 1: things that I left loosely tied up that just needed 8 00:00:35,280 --> 00:00:38,600 Speaker 1: to be put you know, boson up to Sunday evening. 9 00:00:38,680 --> 00:00:41,600 Speaker 1: And then we left Seattle and got to where we 10 00:00:41,640 --> 00:00:44,720 Speaker 1: are now on the San Juan Islands and did some 11 00:00:44,760 --> 00:00:48,560 Speaker 1: whale watching yesterday. And when I saw my first Orca whale, 12 00:00:48,680 --> 00:00:56,160 Speaker 1: I was like in vacation mindset, go, no, that's awesome. 13 00:00:56,320 --> 00:00:58,240 Speaker 2: The trip, oh my god. I did not even want 14 00:00:58,280 --> 00:01:00,520 Speaker 2: to go on the teen trip because I like the 15 00:01:00,600 --> 00:01:03,279 Speaker 2: same thing. There was so much work, and literally I 16 00:01:03,320 --> 00:01:06,120 Speaker 2: was working all night welcome in the morning. I was 17 00:01:06,120 --> 00:01:07,760 Speaker 2: working until like the uber. 18 00:01:07,600 --> 00:01:10,319 Speaker 3: Came and finally I was like I did like the 19 00:01:10,319 --> 00:01:11,800 Speaker 3: core of like what I had to have to do. 20 00:01:11,840 --> 00:01:13,800 Speaker 3: There were still things, like, you know, little things outstanding, 21 00:01:14,319 --> 00:01:15,880 Speaker 3: but I was like, honestly, I just want. 22 00:01:15,760 --> 00:01:18,320 Speaker 2: To stay and finish it. I just but I ended 23 00:01:18,400 --> 00:01:19,840 Speaker 2: up having the best time. 24 00:01:20,120 --> 00:01:23,600 Speaker 3: I can't, I mean, with ten women when I say 25 00:01:24,080 --> 00:01:26,520 Speaker 3: at a ten, it was a twenty with how much 26 00:01:26,560 --> 00:01:27,280 Speaker 3: we got along. 27 00:01:27,560 --> 00:01:30,119 Speaker 2: I mean, it definitely helped that we booked a house. 28 00:01:30,160 --> 00:01:31,800 Speaker 3: The house that we booked was originally when we thought 29 00:01:31,800 --> 00:01:33,520 Speaker 3: we were going to have fourteen people, so it was 30 00:01:33,560 --> 00:01:37,319 Speaker 3: eleven bedrooms. Eleven people came, so basically everyone had their 31 00:01:37,319 --> 00:01:40,800 Speaker 3: own bedrooms. So I'm sure that helped a lot. Yeah, 32 00:01:41,160 --> 00:01:43,360 Speaker 3: but it was such a good time. Honestly, everyone is 33 00:01:43,400 --> 00:01:46,320 Speaker 3: so dope and dynamic. It just was a really really 34 00:01:46,319 --> 00:01:48,080 Speaker 3: good time. But like, I don't we could do like 35 00:01:48,360 --> 00:01:49,440 Speaker 3: I know, you want to make this like a Q 36 00:01:49,520 --> 00:01:50,320 Speaker 3: and A episode. 37 00:01:50,880 --> 00:01:52,840 Speaker 1: No, I mean this is let's you catch me up, 38 00:01:52,880 --> 00:01:54,640 Speaker 1: but I want to know about your VACA. I'm recording 39 00:01:54,840 --> 00:01:55,680 Speaker 1: the people are doing this. 40 00:01:57,200 --> 00:02:01,040 Speaker 3: It was honestly, it was it was everything that like 41 00:02:01,080 --> 00:02:04,040 Speaker 3: we needed because we like, well, first of all, none 42 00:02:04,080 --> 00:02:06,200 Speaker 3: of us had not none, but most of us had 43 00:02:06,240 --> 00:02:10,600 Speaker 3: not met before, so it was very much like a 44 00:02:10,720 --> 00:02:13,720 Speaker 3: reunion of like, hey person, I video chat and have 45 00:02:13,880 --> 00:02:18,480 Speaker 3: phone calls with and slack with. So there was eleven 46 00:02:18,480 --> 00:02:20,519 Speaker 3: of us plus Jabri, my business partner, so he was 47 00:02:20,560 --> 00:02:22,240 Speaker 3: the only guy, and then there was we had a 48 00:02:22,240 --> 00:02:24,680 Speaker 3: private chef and he was a guy too, So the 49 00:02:24,720 --> 00:02:28,320 Speaker 3: house was beautiful. Our plans were the first night just 50 00:02:28,320 --> 00:02:31,239 Speaker 3: to kind of hang out, eat and then watched Napoli 51 00:02:31,320 --> 00:02:31,720 Speaker 3: Ever after. 52 00:02:31,800 --> 00:02:32,480 Speaker 2: Have you seen that movie? 53 00:02:32,840 --> 00:02:36,120 Speaker 1: I watched that. I watched about half of it a 54 00:02:36,120 --> 00:02:37,000 Speaker 1: couple of nights ago. 55 00:02:39,919 --> 00:02:43,399 Speaker 2: But go ahead. 56 00:02:43,200 --> 00:02:45,400 Speaker 1: No, no, no, but no, no no, I think we're getting to 57 00:02:45,440 --> 00:02:46,120 Speaker 1: the point now go ahead. 58 00:02:46,160 --> 00:02:50,520 Speaker 2: Yeah. I definitely was like, what the hell? 59 00:02:50,639 --> 00:02:53,880 Speaker 3: But you know what, for a group of women like 60 00:02:54,120 --> 00:02:57,560 Speaker 3: having a slumber party, it was a great slumber party group. 61 00:02:57,880 --> 00:03:00,320 Speaker 2: Like if I was I would have turned it off 62 00:03:00,360 --> 00:03:00,720 Speaker 2: long ago. 63 00:03:01,000 --> 00:03:03,959 Speaker 1: I wish. I wish I had ten black girlfriends with 64 00:03:04,080 --> 00:03:05,880 Speaker 1: me when I was watching it too, because my husband 65 00:03:05,960 --> 00:03:06,680 Speaker 1: was like, what is. 66 00:03:08,440 --> 00:03:11,760 Speaker 2: Let me tell you your brother Feli he was story. 67 00:03:11,800 --> 00:03:14,320 Speaker 3: We were like, can't help here was a story after 68 00:03:14,360 --> 00:03:16,959 Speaker 3: like like twenty minutes. So that was the first day 69 00:03:17,160 --> 00:03:18,920 Speaker 3: so that was funny. Plus the chef that his food 70 00:03:18,960 --> 00:03:21,760 Speaker 3: was amazing, shout out to chef m. 71 00:03:21,840 --> 00:03:22,040 Speaker 2: Todd. 72 00:03:22,080 --> 00:03:24,440 Speaker 3: And the second day we just went to Universal Studios, 73 00:03:24,480 --> 00:03:26,520 Speaker 3: which was a ton of fun, especially we got kid 74 00:03:26,600 --> 00:03:29,760 Speaker 3: kids because it's so funny how adults all get tired 75 00:03:29,800 --> 00:03:30,480 Speaker 3: at the same time. 76 00:03:30,919 --> 00:03:32,919 Speaker 2: Because you should have seen we were walking toward riding 77 00:03:32,919 --> 00:03:33,399 Speaker 2: five U tever. 78 00:03:33,440 --> 00:03:36,720 Speaker 3: But it was like I'm over it, Like you know, 79 00:03:36,760 --> 00:03:39,480 Speaker 3: we're a baby Supergirl and we're like five nor ride. 80 00:03:39,560 --> 00:03:40,840 Speaker 2: I looked there but his face, I was like you 81 00:03:40,840 --> 00:03:43,440 Speaker 2: want to go there? We're like yes, child, So but 82 00:03:43,600 --> 00:03:45,040 Speaker 2: universal was like a ton of fun. 83 00:03:45,080 --> 00:03:46,680 Speaker 3: And then that night we went to a comedy show 84 00:03:47,200 --> 00:03:50,360 Speaker 3: and then the next day we did a spy like BarreR. 85 00:03:50,080 --> 00:03:51,640 Speaker 2: Who is my executive Adamant. 86 00:03:51,680 --> 00:03:54,320 Speaker 3: She and she and Tambor, who actually used to live 87 00:03:54,520 --> 00:03:56,400 Speaker 3: Tamor is the manager of the academy. 88 00:03:56,600 --> 00:03:58,760 Speaker 2: She used to live in Florida, so she helped her 89 00:03:58,800 --> 00:03:59,720 Speaker 2: find a really great spy. 90 00:03:59,920 --> 00:04:02,640 Speaker 3: Was beautiful like a Dracuzzie steam room, and we basically 91 00:04:02,640 --> 00:04:04,560 Speaker 3: took it over so everyone got a massage and you 92 00:04:04,600 --> 00:04:07,000 Speaker 3: got to pick whether you wanted a peicure or a manicure. 93 00:04:07,920 --> 00:04:10,800 Speaker 3: And then we did team building activities. You know what 94 00:04:10,800 --> 00:04:13,520 Speaker 3: we did and Yadale child to you, mama. She was like, 95 00:04:13,600 --> 00:04:15,480 Speaker 3: tell Mandy, we finally did the this test. 96 00:04:15,640 --> 00:04:18,280 Speaker 2: Oh you did, Mandy. 97 00:04:18,520 --> 00:04:23,039 Speaker 1: It was every day can you guess what I am? 98 00:04:23,320 --> 00:04:26,640 Speaker 2: I s what the hell? Yes? 99 00:04:30,200 --> 00:04:31,800 Speaker 1: I bet your mama couldn't guess what you are? 100 00:04:31,839 --> 00:04:40,000 Speaker 3: But I know, yeah, when we took it Mandy. It 101 00:04:40,120 --> 00:04:42,039 Speaker 3: was so helpful, And yeah, it was so cute because 102 00:04:42,080 --> 00:04:43,880 Speaker 3: yat Alice was like, tell Mandy. 103 00:04:43,640 --> 00:04:46,400 Speaker 2: Because she listens like religiously to the podcast. 104 00:04:46,560 --> 00:04:48,920 Speaker 3: Tell Mandy we finally did this test because she does 105 00:04:48,960 --> 00:04:49,640 Speaker 3: it like at her job. 106 00:04:49,680 --> 00:04:51,760 Speaker 2: I think, ya, I don't know she does HR, but 107 00:04:52,160 --> 00:04:55,080 Speaker 2: she like does stuff like this for where her full 108 00:04:55,080 --> 00:04:56,080 Speaker 2: time job where she works. 109 00:04:56,080 --> 00:04:58,680 Speaker 3: And it was so helpful, Mandy, Oh my goodness, because 110 00:04:58,720 --> 00:05:00,960 Speaker 3: I got to see there's something people you know, like, 111 00:05:01,000 --> 00:05:01,719 Speaker 3: you're totally a D. 112 00:05:02,120 --> 00:05:04,120 Speaker 2: So we don't know. Can you explain what the DISC 113 00:05:04,200 --> 00:05:05,000 Speaker 2: test is again? 114 00:05:05,279 --> 00:05:08,640 Speaker 1: Yeah, So a DISC test stands for it's D I, 115 00:05:08,760 --> 00:05:11,919 Speaker 1: S C, and it's one of these personality tests. But 116 00:05:12,320 --> 00:05:14,760 Speaker 1: DISC is a little bit different because it and the 117 00:05:14,760 --> 00:05:16,680 Speaker 1: way that I've been taught about it is that it 118 00:05:16,720 --> 00:05:19,240 Speaker 1: shows you what your work personality is, how you interact 119 00:05:19,760 --> 00:05:22,719 Speaker 1: in the workplace. And I forget what all the letters 120 00:05:22,720 --> 00:05:25,280 Speaker 1: stand for all the time, but I think, so, if 121 00:05:25,320 --> 00:05:28,640 Speaker 1: you're high D, it means you have a more dominating personality. 122 00:05:29,320 --> 00:05:32,960 Speaker 1: If your high I, you're more social. You like to 123 00:05:33,000 --> 00:05:36,800 Speaker 1: interact with people, and S is a it's sort of 124 00:05:36,839 --> 00:05:39,600 Speaker 1: your level of wanting to help others and be service 125 00:05:39,880 --> 00:05:43,000 Speaker 1: in service of others and a C I think is caution. 126 00:05:43,279 --> 00:05:45,760 Speaker 1: So this is people who think carefully before they make 127 00:05:45,760 --> 00:05:48,920 Speaker 1: a decision. Yeah, and it's really so. I did this 128 00:05:49,040 --> 00:05:52,039 Speaker 1: at my company and it's it's really cool because you 129 00:05:52,040 --> 00:05:54,560 Speaker 1: get to sort of understand not just how you operate, 130 00:05:54,640 --> 00:05:56,400 Speaker 1: but why that person over there is always chatty in 131 00:05:56,440 --> 00:06:00,479 Speaker 1: the morning, how annoying they are. Help helps, you see. 132 00:06:01,160 --> 00:06:02,960 Speaker 2: Because it was so crazy because I see now. 133 00:06:02,960 --> 00:06:05,520 Speaker 3: I was like ooh, because like, for example, there people 134 00:06:05,560 --> 00:06:06,120 Speaker 3: on the team that. 135 00:06:06,040 --> 00:06:08,480 Speaker 2: They're like eyes, you know, were really social and chatty 136 00:06:08,640 --> 00:06:10,360 Speaker 2: and I see that, like ooh, she's a D. 137 00:06:10,640 --> 00:06:13,440 Speaker 3: So all of this like pre chatting that I've been doing, 138 00:06:13,480 --> 00:06:16,520 Speaker 3: I know, shut up, let's get to the thing like that. 139 00:06:16,960 --> 00:06:18,440 Speaker 2: So now I know. But it was so. 140 00:06:18,360 --> 00:06:21,560 Speaker 3: Helpful because it's like like Yadlis did such a great 141 00:06:21,600 --> 00:06:23,800 Speaker 3: She's the youngest of all the Unicorn Squad members and 142 00:06:23,839 --> 00:06:25,560 Speaker 3: members of the team, and she did such a great 143 00:06:25,640 --> 00:06:28,880 Speaker 3: job really explaining you know, like the different kind of 144 00:06:28,920 --> 00:06:31,000 Speaker 3: like attributes that she gave us like a cheat sheet 145 00:06:31,200 --> 00:06:33,280 Speaker 3: where it's like I can understand, like Jabrill, who my 146 00:06:33,320 --> 00:06:36,320 Speaker 3: business partner, is a classic D. You know, get down 147 00:06:36,320 --> 00:06:38,360 Speaker 3: to the money, get down to brass tacks, let's go, 148 00:06:39,080 --> 00:06:41,800 Speaker 3: you know, and it's like, okay, so now understanding like 149 00:06:42,000 --> 00:06:43,760 Speaker 3: what I love is it? We got to see like 150 00:06:43,800 --> 00:06:45,680 Speaker 3: what stresses out a D or an I or c 151 00:06:45,880 --> 00:06:47,960 Speaker 3: R S, what's helpful to them? 152 00:06:48,200 --> 00:06:51,560 Speaker 2: How do they view success? It was just so helpful. 153 00:06:52,279 --> 00:06:56,159 Speaker 3: And then one of my friends who used was wanted 154 00:06:56,839 --> 00:07:00,560 Speaker 3: an Academy expert. She came just say she listens Florida, 155 00:07:00,640 --> 00:07:02,719 Speaker 3: and she really just gave us some really great outside 156 00:07:02,720 --> 00:07:05,680 Speaker 3: feedback of what she sees for the as the business, 157 00:07:05,680 --> 00:07:07,240 Speaker 3: like you know, what are some of our things that 158 00:07:07,279 --> 00:07:09,400 Speaker 3: we do really well? What are some of our areas 159 00:07:09,400 --> 00:07:12,520 Speaker 3: of opportunities? Because she herself is a really amazing business woman. 160 00:07:12,560 --> 00:07:14,960 Speaker 3: Her name is Dontec and she teaches folks who have 161 00:07:15,080 --> 00:07:18,880 Speaker 3: ideas and how to transform them into like actual inventions 162 00:07:18,880 --> 00:07:21,240 Speaker 3: that you could like sell a like Walmart, Target or whatever. 163 00:07:21,480 --> 00:07:24,000 Speaker 3: So her feedback was amazing and we were like so 164 00:07:24,040 --> 00:07:26,160 Speaker 3: many things that we didn't see that we were like 165 00:07:26,200 --> 00:07:28,480 Speaker 3: I didn't from the outside. Seeing it from another business 166 00:07:28,520 --> 00:07:30,200 Speaker 3: woman's eyes were just amazing. 167 00:07:30,240 --> 00:07:34,560 Speaker 2: And then that night we took them out to Not Fancies. Man, 168 00:07:34,720 --> 00:07:37,000 Speaker 2: did have you ever heard of Magiano? No? 169 00:07:38,200 --> 00:07:40,880 Speaker 1: Oh, Magiana's Yeah, I had my I went. I went 170 00:07:40,920 --> 00:07:43,160 Speaker 1: there for prom dinner, like my senior prom. 171 00:07:44,200 --> 00:07:46,640 Speaker 2: Yeah, and it was like, so it's like family style. 172 00:07:46,480 --> 00:07:47,600 Speaker 1: Right, yeah, delicious? 173 00:07:47,640 --> 00:07:50,520 Speaker 3: I remember, Yes, it was so because we were gonna 174 00:07:50,560 --> 00:07:53,120 Speaker 3: go on site, so we stayed at this place called Encore, 175 00:07:53,720 --> 00:07:55,840 Speaker 3: which I had never really seen this before, but it's 176 00:07:55,880 --> 00:07:58,800 Speaker 3: like it's a resort, but she looks like you're in 177 00:07:58,800 --> 00:08:01,920 Speaker 3: a neighborhood because instead of like an apartment, like instead 178 00:08:01,920 --> 00:08:05,280 Speaker 3: of like you know, like I guess a hotel room, 179 00:08:05,720 --> 00:08:08,520 Speaker 3: it's like these are homes that you can rent and 180 00:08:08,600 --> 00:08:10,960 Speaker 3: so all of the homes are like rented out to like, 181 00:08:11,000 --> 00:08:14,360 Speaker 3: you know, vacationers. And so we stayed at one called Encore, 182 00:08:14,720 --> 00:08:16,640 Speaker 3: and it was really nice except for like their We 183 00:08:16,640 --> 00:08:18,680 Speaker 3: were gonna eat at their fancies, fancy restaurant on our 184 00:08:18,760 --> 00:08:19,160 Speaker 3: last night. 185 00:08:19,560 --> 00:08:21,840 Speaker 2: But once they saw what we looked. 186 00:08:21,600 --> 00:08:24,440 Speaker 3: Like, they were like, yeah, there's no space really really 187 00:08:24,440 --> 00:08:25,440 Speaker 3: because we just made the reservation. 188 00:08:25,520 --> 00:08:27,200 Speaker 2: Wait what oh well we'll happen. 189 00:08:27,520 --> 00:08:29,880 Speaker 3: Yes, we'll have to put you outside at nine flack 190 00:08:29,880 --> 00:08:33,320 Speaker 3: at night. So we were like, yeah, actually we're good. 191 00:08:33,360 --> 00:08:35,520 Speaker 3: So they'll be getting all the YELP revis because one 192 00:08:35,520 --> 00:08:37,439 Speaker 3: thing I am when it comes to people treating me 193 00:08:37,520 --> 00:08:40,480 Speaker 3: poor me in service and I am I am social 194 00:08:40,559 --> 00:08:42,840 Speaker 3: media petty. I will write you up on every platform. 195 00:08:42,920 --> 00:08:45,040 Speaker 3: Out They're like, yeah, so if you're black, might want 196 00:08:45,080 --> 00:08:45,640 Speaker 3: to watch out. 197 00:08:46,040 --> 00:08:47,920 Speaker 1: I don't get it. You guys had a reservation and 198 00:08:47,920 --> 00:08:49,200 Speaker 1: they didn't give you a table. 199 00:08:50,320 --> 00:08:52,600 Speaker 3: But yeah, they were just like because of the team 200 00:08:52,720 --> 00:08:54,040 Speaker 3: was like, oh, they wanted to go for a walk. 201 00:08:54,080 --> 00:08:55,800 Speaker 3: They said, well, let's walk by the restaurant and see 202 00:08:55,800 --> 00:08:58,760 Speaker 3: how it looks. We walked by and they she said, 203 00:08:58,760 --> 00:09:00,920 Speaker 3: everyone has stopped and was looking like wait, who were 204 00:09:01,040 --> 00:09:01,880 Speaker 3: these groups of like. 205 00:09:01,840 --> 00:09:03,079 Speaker 2: Black women and brown women? 206 00:09:03,480 --> 00:09:05,079 Speaker 3: And you know, they just went like, oh, we just 207 00:09:05,120 --> 00:09:06,880 Speaker 3: want to see the restaurant because we've been in a reservation. 208 00:09:06,960 --> 00:09:09,120 Speaker 3: And they were like, oh, we're really we're booked and 209 00:09:09,160 --> 00:09:11,640 Speaker 3: she's like really because we booked online and it's not 210 00:09:11,760 --> 00:09:14,600 Speaker 3: booked and secondly, we've already booked a reservation. Oh well, 211 00:09:15,000 --> 00:09:16,920 Speaker 3: we're not really gonna have space, but we can definitely 212 00:09:16,920 --> 00:09:19,680 Speaker 3: put you outside, I mean outside in Florida at. 213 00:09:19,600 --> 00:09:21,400 Speaker 2: Nine, so we could be eating up by mosquitoes. 214 00:09:21,720 --> 00:09:25,080 Speaker 3: So we ended up thankfully finding you know the Maggi 215 00:09:25,400 --> 00:09:28,920 Speaker 3: Magiano Maiano. Yeah, yeah, we ended up finding that Mestra 216 00:09:28,960 --> 00:09:31,040 Speaker 3: and it's like an Italian family style, so they were 217 00:09:31,080 --> 00:09:33,280 Speaker 3: just as loud, which was awesome. So we had a 218 00:09:33,320 --> 00:09:37,560 Speaker 3: really good time there. Honestly, Maddie, it was like I 219 00:09:37,640 --> 00:09:40,840 Speaker 3: never realized how important like team building and things were. 220 00:09:40,880 --> 00:09:43,559 Speaker 3: Like we were already good, but it just put everyone 221 00:09:43,640 --> 00:09:46,520 Speaker 3: in a state of like just greater understanding of. 222 00:09:46,480 --> 00:09:49,320 Speaker 2: Like what our roles are, what we're working toward. 223 00:09:49,400 --> 00:09:53,240 Speaker 3: Everyone came back so refreshed, and so the team so Jabrill. 224 00:09:53,360 --> 00:09:56,360 Speaker 3: It was his idea, and we paid for everything by 225 00:09:56,360 --> 00:09:58,840 Speaker 3: setting aside two percent of our of our gross income 226 00:09:59,160 --> 00:10:02,120 Speaker 3: from the beginning of We started saving in January and February, 227 00:10:02,200 --> 00:10:04,440 Speaker 3: and then when we got enough money saved, we paid 228 00:10:04,440 --> 00:10:06,600 Speaker 3: for flight, we got more, we paid for the house, 229 00:10:06,679 --> 00:10:08,840 Speaker 3: we got more, and so slowly but surely we paid 230 00:10:08,840 --> 00:10:11,120 Speaker 3: for it that way, and it just made it easier 231 00:10:11,200 --> 00:10:13,880 Speaker 3: than paying some lump sum and figuring out where's the 232 00:10:13,920 --> 00:10:18,520 Speaker 3: money come from. So yeah, I encourage anyone who has 233 00:10:18,559 --> 00:10:22,600 Speaker 3: a digital team to plan something like that, And even 234 00:10:22,679 --> 00:10:24,040 Speaker 3: if you can't do it in the first year, you 235 00:10:24,120 --> 00:10:26,200 Speaker 3: might save for two years to be able to do something. 236 00:10:26,400 --> 00:10:28,520 Speaker 3: And I'm telling you groupon as your friend, because that's 237 00:10:28,520 --> 00:10:30,800 Speaker 3: where you used a lot like it doesn't have to 238 00:10:30,800 --> 00:10:31,200 Speaker 3: cost it. 239 00:10:31,200 --> 00:10:32,760 Speaker 2: It can cost as much or as little as you 240 00:10:32,840 --> 00:10:34,720 Speaker 2: as you wanted to cost. But it was an awesome time. 241 00:10:35,320 --> 00:10:36,960 Speaker 1: I actually used a group on on our We did 242 00:10:37,000 --> 00:10:40,960 Speaker 1: a whale watching tour yesterday and I didn't really I haven't, 243 00:10:41,000 --> 00:10:42,920 Speaker 1: Like I said, I haven't planned. We planned like nothing 244 00:10:42,960 --> 00:10:45,720 Speaker 1: for this trip. So we got to the ferry to 245 00:10:45,800 --> 00:10:47,760 Speaker 1: come to the island and then I pulled up group 246 00:10:47,840 --> 00:10:50,440 Speaker 1: on to see like what well watching tours were available, 247 00:10:50,600 --> 00:10:52,880 Speaker 1: and then a lot of these tours, like if you're 248 00:10:52,880 --> 00:10:55,280 Speaker 1: trying to plan last minute on groupon, they have a 249 00:10:55,520 --> 00:10:57,960 Speaker 1: they tell you you can't use it for seventy two hours. 250 00:10:58,200 --> 00:11:00,319 Speaker 1: And I was like, oh crap, but I call one 251 00:11:00,360 --> 00:11:02,199 Speaker 1: of the places, one of the I tried to find 252 00:11:02,240 --> 00:11:04,800 Speaker 1: the one that was highly most highly rated, and I 253 00:11:04,840 --> 00:11:06,320 Speaker 1: called them and I told him I wanted a group 254 00:11:06,320 --> 00:11:08,520 Speaker 1: on one of the group on deal and they were like, okay, well, 255 00:11:08,520 --> 00:11:12,120 Speaker 1: we'll honor the price over the phone because of you know, 256 00:11:12,120 --> 00:11:13,839 Speaker 1: the seventy two hour rule, which I thought was really 257 00:11:13,920 --> 00:11:15,520 Speaker 1: nice of them. So we ended up saving like one 258 00:11:15,600 --> 00:11:17,120 Speaker 1: hundred bucks on our. 259 00:11:17,200 --> 00:11:18,720 Speaker 2: Wow, that's awesome. 260 00:11:18,920 --> 00:11:21,679 Speaker 1: On our whale tour and we saw so many whales 261 00:11:21,720 --> 00:11:22,880 Speaker 1: it was awesome. 262 00:11:24,960 --> 00:11:26,560 Speaker 2: Going on a whalel tour and not seeing well, I've 263 00:11:26,559 --> 00:11:27,719 Speaker 2: definitely done that and I've been like. 264 00:11:27,840 --> 00:11:31,080 Speaker 1: So it was whales guaranteed. They said if we didn't 265 00:11:31,080 --> 00:11:33,160 Speaker 1: see any whales, and I would, I got my receipt. 266 00:11:33,200 --> 00:11:34,520 Speaker 1: I was like, if I don't see a whale, don't 267 00:11:34,559 --> 00:11:35,599 Speaker 1: coming back tomorrow. 268 00:11:37,920 --> 00:11:40,880 Speaker 2: Whales guarantee. Well, I don't want to San Diego. 269 00:11:40,960 --> 00:11:43,040 Speaker 3: And the whales didn't show up, but there were so 270 00:11:43,080 --> 00:11:45,199 Speaker 3: many dolphins and they were awesome, so I was I. 271 00:11:45,200 --> 00:11:48,120 Speaker 1: Was, okay, yeah, there were we came. We came in 272 00:11:48,160 --> 00:11:50,320 Speaker 1: a good time because it's like the end of the 273 00:11:50,360 --> 00:11:53,600 Speaker 1: summer season, but it's still whale time. So there were 274 00:11:53,960 --> 00:11:57,400 Speaker 1: humpbacks and Orca whales and some sea lions and it 275 00:11:57,440 --> 00:12:00,480 Speaker 1: was it was cool. I do kind of feel like 276 00:12:00,520 --> 00:12:03,319 Speaker 1: low key I'm like in the beginning of the movie 277 00:12:03,320 --> 00:12:06,360 Speaker 1: get Out because I think we were the only brown 278 00:12:06,400 --> 00:12:09,160 Speaker 1: people on this I think we are the only brown 279 00:12:09,160 --> 00:12:12,719 Speaker 1: people on this island right now. It's very weird. I mean, 280 00:12:12,760 --> 00:12:14,679 Speaker 1: it's not weird if I mean you whatever. I grew 281 00:12:14,760 --> 00:12:18,679 Speaker 1: up in white neighborhoods and you know whatever, but definitely 282 00:12:18,960 --> 00:12:21,240 Speaker 1: definitely no, no, no people of color. 283 00:12:21,280 --> 00:12:21,680 Speaker 2: I don't know. 284 00:12:21,760 --> 00:12:23,600 Speaker 1: I guess they don't come here. Maybe that's maybe Oprah 285 00:12:23,720 --> 00:12:25,079 Speaker 1: is going to start the trend. I don't know where 286 00:12:25,080 --> 00:12:27,280 Speaker 1: are you guys are come to stand Watt Islands. 287 00:12:27,320 --> 00:12:31,040 Speaker 2: They need us No, but it sounds good. Have you. 288 00:12:31,080 --> 00:12:33,440 Speaker 3: I feel like I haven't seen any You're You've been 289 00:12:33,480 --> 00:12:35,400 Speaker 3: like really good. Not too much social media because I 290 00:12:35,440 --> 00:12:36,800 Speaker 3: haven't seen any pictures posted. 291 00:12:37,320 --> 00:12:39,960 Speaker 1: I did finally post some whale videos. You know. I 292 00:12:39,960 --> 00:12:42,240 Speaker 1: had to do the Free Willy soundtrack that Michael Jackson 293 00:12:42,360 --> 00:12:50,960 Speaker 1: song Dude, I'll think that I'll spare you anyway. That 294 00:12:51,080 --> 00:12:53,360 Speaker 1: was the first movie I saw in theaters Free Willie. 295 00:12:53,559 --> 00:13:00,319 Speaker 1: Shout out to six year old Mandy. I was really 296 00:13:00,360 --> 00:13:02,839 Speaker 1: afraid they make that whale on the big screen. Those 297 00:13:02,840 --> 00:13:05,840 Speaker 1: whales are huge. They're so big, and we got lucky 298 00:13:05,880 --> 00:13:08,400 Speaker 1: because they like surrounded our boat. I guess they we 299 00:13:08,440 --> 00:13:10,240 Speaker 1: can't see what's happening, but they were like eating a 300 00:13:10,280 --> 00:13:13,160 Speaker 1: seal or something. They got really excited and they were 301 00:13:13,160 --> 00:13:15,760 Speaker 1: just having the buffet lunch around our boat and they 302 00:13:15,760 --> 00:13:17,320 Speaker 1: were just like going in and out of the water 303 00:13:17,400 --> 00:13:19,120 Speaker 1: and their tails were up and it was it was 304 00:13:19,200 --> 00:13:22,480 Speaker 1: crazy because you can't plan it. So yeah, it's been 305 00:13:22,520 --> 00:13:24,600 Speaker 1: really nice. But now I feel like, Okay, we did 306 00:13:24,600 --> 00:13:28,400 Speaker 1: a nice hike today and I'm relaxing. But I was telling, 307 00:13:28,800 --> 00:13:32,000 Speaker 1: you know, me being off work right now, and we 308 00:13:32,400 --> 00:13:35,000 Speaker 1: are right by a sea airport, so if you hear 309 00:13:35,040 --> 00:13:39,080 Speaker 1: some you know entries in the background, that's probably a seaplane. No, 310 00:13:39,160 --> 00:13:41,360 Speaker 1: but being away from work, I had to it probably 311 00:13:41,360 --> 00:13:43,360 Speaker 1: took me all of the last two weeks to prepare 312 00:13:43,400 --> 00:13:45,920 Speaker 1: for being gone for a week. And I in the 313 00:13:45,960 --> 00:13:47,719 Speaker 1: back of my mind, I'm like, I'm really glad that 314 00:13:47,760 --> 00:13:50,400 Speaker 1: I'm leaving now, because one, it's a terrible time to leave. 315 00:13:50,880 --> 00:13:54,920 Speaker 1: Like two, I feel like it's also a stress test. 316 00:13:55,320 --> 00:13:58,280 Speaker 1: Can I leave and things are fine? And if the 317 00:13:58,320 --> 00:14:02,440 Speaker 1: answer is no, that's bad. Like it's not like I 318 00:14:02,440 --> 00:14:05,560 Speaker 1: feel like i've in the past thought okay, well, you know, 319 00:14:05,640 --> 00:14:07,640 Speaker 1: if it's good for people to need me to be there, 320 00:14:07,679 --> 00:14:09,280 Speaker 1: I need to be there to do this and do that. 321 00:14:09,760 --> 00:14:12,400 Speaker 1: But it's not good if you know, if I were 322 00:14:12,440 --> 00:14:14,760 Speaker 1: to leave, or Tiffany you were to leave, and budget 323 00:14:14,800 --> 00:14:18,040 Speaker 1: nest would fall apart, or you know, my team falls apart. 324 00:14:18,080 --> 00:14:21,200 Speaker 1: And I really had to like force myself to shove 325 00:14:21,280 --> 00:14:24,760 Speaker 1: things off my plate and just fill everyone's plate around me. 326 00:14:24,880 --> 00:14:27,760 Speaker 1: And I feel like this is the first time I've 327 00:14:27,800 --> 00:14:30,640 Speaker 1: ever had to do that, and it was really freaking hard. 328 00:14:30,680 --> 00:14:32,680 Speaker 1: Took me like two weeks to get ready. But I 329 00:14:32,720 --> 00:14:34,880 Speaker 1: think the next time and the next time I want 330 00:14:34,920 --> 00:14:37,000 Speaker 1: to take time off, it's going to get easier and easier. 331 00:14:37,320 --> 00:14:39,360 Speaker 1: And then when I need to take maternity leave, you know, 332 00:14:39,840 --> 00:14:41,480 Speaker 1: I'm going to need to be able to do this. 333 00:14:41,560 --> 00:14:42,760 Speaker 1: So it's a good practice for me. 334 00:14:42,880 --> 00:14:45,240 Speaker 3: Yes, yeah, it's a crazy that we both kind of 335 00:14:45,240 --> 00:14:47,040 Speaker 3: went away at the same time, but you're right, and 336 00:14:47,680 --> 00:14:50,520 Speaker 3: it was a testament too, like I couldn't have I 337 00:14:50,560 --> 00:14:53,120 Speaker 3: couldn't have done this maybe like a year or so ago, 338 00:14:53,320 --> 00:14:56,520 Speaker 3: because I just was doing too much right because sometimes 339 00:14:57,080 --> 00:15:00,840 Speaker 3: you make yourself like I was the bottleneck, like things 340 00:15:00,920 --> 00:15:04,080 Speaker 3: had to everything had to flow through me every day, 341 00:15:04,160 --> 00:15:06,120 Speaker 3: you know, and I thought that I was like, you know, 342 00:15:06,400 --> 00:15:08,760 Speaker 3: this is I'm being a good boss or I'm being 343 00:15:08,760 --> 00:15:09,840 Speaker 3: a good business owner. 344 00:15:10,120 --> 00:15:11,280 Speaker 2: But I was holding things. 345 00:15:11,160 --> 00:15:14,000 Speaker 3: Up because if I didn't check off on things, they 346 00:15:14,120 --> 00:15:15,040 Speaker 3: it just stopped at me. 347 00:15:15,440 --> 00:15:18,160 Speaker 2: So I finally took myself out of a lot. 348 00:15:18,000 --> 00:15:22,000 Speaker 3: Of like the movement of the company and allowed people 349 00:15:22,040 --> 00:15:24,560 Speaker 3: to make decisions, you know, because I realized that like 350 00:15:24,600 --> 00:15:26,240 Speaker 3: some of it was like I didn't trust people to 351 00:15:26,280 --> 00:15:27,960 Speaker 3: make the right choices. So I was like, no, that 352 00:15:27,960 --> 00:15:29,640 Speaker 3: we have to get the right people, and so now 353 00:15:29,680 --> 00:15:32,680 Speaker 3: we've got amazing people and things don't have to flow 354 00:15:32,720 --> 00:15:35,880 Speaker 3: through me. I just trusted the don't make the right choices, 355 00:15:35,920 --> 00:15:37,960 Speaker 3: and even if they don't, they know that I'm here 356 00:15:38,000 --> 00:15:40,360 Speaker 3: for challenges and I'm here for mistakes because that's the 357 00:15:40,360 --> 00:15:41,080 Speaker 3: way that you learn. 358 00:15:41,120 --> 00:15:43,200 Speaker 2: And it's okay. As long as you My rule is 359 00:15:43,240 --> 00:15:44,960 Speaker 2: as long as you don't kill anybody, we're good. 360 00:15:45,720 --> 00:15:49,280 Speaker 3: They go like, literally, I'm like when someone says, oh, 361 00:15:49,280 --> 00:15:51,280 Speaker 3: my gods, should be that new thing that I said 362 00:15:51,320 --> 00:15:53,760 Speaker 3: I was gonna try on Facebook or whatever, it didn't work, 363 00:15:53,920 --> 00:15:54,960 Speaker 3: and I'm like, well, how many. 364 00:15:54,840 --> 00:15:56,280 Speaker 2: People died and they don't. 365 00:15:57,040 --> 00:15:59,960 Speaker 3: I'm like, well, girl, it's okay, it's okay. 366 00:16:00,000 --> 00:16:05,960 Speaker 2: Hey. 367 00:16:10,960 --> 00:16:14,880 Speaker 3: Yeah, So I'm excited to answer some question on you 368 00:16:14,920 --> 00:16:17,720 Speaker 3: guys are getting go getting better and better asking really 369 00:16:17,760 --> 00:16:21,320 Speaker 3: to a question, so bring them on mandra Where can. 370 00:16:21,160 --> 00:16:22,080 Speaker 2: I ask questions? 371 00:16:22,360 --> 00:16:25,720 Speaker 1: You can go to a brandabission podcast dot com and 372 00:16:25,800 --> 00:16:28,360 Speaker 1: click ask us anything at the top too, drop us 373 00:16:28,400 --> 00:16:30,680 Speaker 1: a question, or you can email us directly at Brondambis 374 00:16:30,800 --> 00:16:35,520 Speaker 1: podcast at gmail dot com. While you're at it, follow 375 00:16:35,600 --> 00:16:39,000 Speaker 1: us on Instagram at Brown Ambition Podcast or on Twitter 376 00:16:39,040 --> 00:16:40,080 Speaker 1: at the BA Podcast. 377 00:16:41,160 --> 00:16:41,800 Speaker 2: Yes, tweetus. 378 00:16:41,800 --> 00:16:44,240 Speaker 3: We haven't read your tweets in your your IG's in 379 00:16:44,240 --> 00:16:45,600 Speaker 3: a little bit, but we will. We're going to get 380 00:16:45,600 --> 00:16:46,920 Speaker 3: back to that, so you don't want to miss out. 381 00:16:47,680 --> 00:16:50,120 Speaker 1: So we have some really good questions in the inbox today. 382 00:16:50,240 --> 00:16:54,760 Speaker 1: I would love to start with UH. Listener Lashonte Leschante 383 00:16:54,880 --> 00:16:57,880 Speaker 1: says I recently started listening to the podcast and in 384 00:16:57,960 --> 00:17:01,760 Speaker 1: one you both mentioned Ally when talking about saving for 385 00:17:01,800 --> 00:17:04,000 Speaker 1: a down payment on your homes. My husband and I 386 00:17:04,040 --> 00:17:06,840 Speaker 1: are planning on saving eighty thousand dollars for a twenty 387 00:17:06,840 --> 00:17:09,840 Speaker 1: percent down payment on a home. Currently, we have fourteen 388 00:17:09,880 --> 00:17:12,840 Speaker 1: thousand saved in a regular savings account, which yields four 389 00:17:12,880 --> 00:17:15,600 Speaker 1: to five cents worth of interest per month. Oh girl, 390 00:17:16,119 --> 00:17:19,000 Speaker 1: So my question is will Ally be beneficial for building 391 00:17:19,040 --> 00:17:23,280 Speaker 1: more interest and how has your experience with Ally ben background. 392 00:17:23,280 --> 00:17:26,119 Speaker 1: We plan to have the money by October twenty nineteen 393 00:17:26,160 --> 00:17:29,080 Speaker 1: and we're saving about fifty seven hundred dollars a month. 394 00:17:30,200 --> 00:17:32,560 Speaker 1: Easy question. Get your money out of that bank right away, 395 00:17:33,200 --> 00:17:35,440 Speaker 1: and it doesn't have to be Ally, but just an 396 00:17:35,480 --> 00:17:39,359 Speaker 1: online savings account. There's a bunch out there, but Ally 397 00:17:39,440 --> 00:17:41,200 Speaker 1: is one of them that has a really good yield. 398 00:17:41,680 --> 00:17:44,320 Speaker 1: We both have used Ally and are happy with it, right, 399 00:17:45,040 --> 00:17:46,520 Speaker 1: m Do you. 400 00:17:46,440 --> 00:17:49,280 Speaker 3: Think that, like, if she, let's just say she's not 401 00:17:49,320 --> 00:17:50,840 Speaker 3: gonna need the money for six months, do you think 402 00:17:50,840 --> 00:17:53,560 Speaker 3: that maybe like even exploring a CD for like the 403 00:17:53,560 --> 00:17:55,040 Speaker 3: money that she does have saved so it can air 404 00:17:55,160 --> 00:17:55,840 Speaker 3: even more interest. 405 00:17:56,280 --> 00:17:59,240 Speaker 1: Yeah, for sure. I mean what these online banks, the 406 00:17:59,280 --> 00:18:01,040 Speaker 1: same ones that we would recommend you go to for 407 00:18:01,200 --> 00:18:04,719 Speaker 1: like a checking account, typically have really good CD yields 408 00:18:04,760 --> 00:18:07,120 Speaker 1: as well. And if you're really not planning on buying 409 00:18:07,119 --> 00:18:09,800 Speaker 1: a house until October next year, you could easily put 410 00:18:09,800 --> 00:18:13,280 Speaker 1: your money into a twelve month CD and then when 411 00:18:13,320 --> 00:18:16,639 Speaker 1: it matures next year, you will have earned more. The 412 00:18:16,720 --> 00:18:19,639 Speaker 1: thing is like, when you're saving, like right now, she 413 00:18:19,720 --> 00:18:21,600 Speaker 1: has fourteen thousand dollars, So what you could do is 414 00:18:21,640 --> 00:18:24,439 Speaker 1: take that fourteen thousand and I'm assuming this is just 415 00:18:24,520 --> 00:18:26,320 Speaker 1: your down payment money and that you have a little 416 00:18:26,359 --> 00:18:28,800 Speaker 1: bit of savings on the side for like emergencies. But 417 00:18:28,880 --> 00:18:31,359 Speaker 1: let's assume this fourteen gesu is just house money. You 418 00:18:31,440 --> 00:18:35,440 Speaker 1: could just put that money into a CD, a high 419 00:18:35,480 --> 00:18:39,760 Speaker 1: yield CD that's twelve months and that'll mature next what 420 00:18:39,880 --> 00:18:42,840 Speaker 1: is it now, October? Next early October, and then the 421 00:18:42,840 --> 00:18:45,560 Speaker 1: money that you're saving month to month, open up a 422 00:18:45,920 --> 00:18:48,080 Speaker 1: high yield savings account with the same bank or a 423 00:18:48,080 --> 00:18:51,000 Speaker 1: different bank, and just every month put the money in there. 424 00:18:51,560 --> 00:18:53,160 Speaker 2: Because now that's what I. 425 00:18:53,119 --> 00:18:55,560 Speaker 3: Was thinking, because I'm like, well, I think right now, ally, 426 00:18:56,080 --> 00:18:58,280 Speaker 3: I feel like I saw that their cd rabels like 427 00:18:58,720 --> 00:19:02,280 Speaker 3: two point one percent and I think they're savings account. Wait, 428 00:19:02,280 --> 00:19:04,439 Speaker 3: it's like one point eight seven or one point eight 429 00:19:04,520 --> 00:19:07,399 Speaker 3: five something like that. So yeah, I think that's the 430 00:19:07,520 --> 00:19:09,320 Speaker 3: that's the best course of action. If you're not touching 431 00:19:09,320 --> 00:19:11,359 Speaker 3: your money for a while, lock it away to the CD. 432 00:19:11,880 --> 00:19:14,560 Speaker 3: And I think they even I feel like I saw 433 00:19:14,600 --> 00:19:16,520 Speaker 3: because I logged in today that they even have a 434 00:19:16,560 --> 00:19:19,240 Speaker 3: no punishment CD where you had to take your money 435 00:19:19,400 --> 00:19:21,360 Speaker 3: out that you know, because normally you have to pay 436 00:19:21,359 --> 00:19:22,879 Speaker 3: like a fee if you take your money out early. 437 00:19:23,359 --> 00:19:25,600 Speaker 3: So but yeah, I mean, I you know, start with 438 00:19:25,640 --> 00:19:27,399 Speaker 3: the ally, but honestly too, Like that's why I love 439 00:19:27,440 --> 00:19:31,520 Speaker 3: sites like Magnified Money, because you can you can It's 440 00:19:31,560 --> 00:19:34,000 Speaker 3: like the Trip Advisor of finance. 441 00:19:34,160 --> 00:19:37,440 Speaker 1: You know, you can thank you for the same probo. 442 00:19:38,640 --> 00:19:39,680 Speaker 2: Where you can kind of compare. 443 00:19:39,760 --> 00:19:41,640 Speaker 3: I mean, I still, honestly I still use magnified money 444 00:19:41,680 --> 00:19:43,800 Speaker 3: where you can go and kind of compare the sea. Well, 445 00:19:44,480 --> 00:19:46,760 Speaker 3: what other CDs are out there, what other bank accounts 446 00:19:46,800 --> 00:19:49,119 Speaker 3: are out there? But yes, Mandy and I do definitely 447 00:19:49,200 --> 00:19:51,000 Speaker 3: like ally, but they're not the only ones out there. 448 00:19:51,280 --> 00:19:53,439 Speaker 1: Yeah, I think my little brother has the Marcus or 449 00:19:53,480 --> 00:19:56,320 Speaker 1: no as Marcus. Yeah, Goldman Sachs has an account called Marcus. 450 00:19:56,359 --> 00:19:59,680 Speaker 1: There's Charles Schwab has a high yeal checking Synchrony Bank. 451 00:19:59,680 --> 00:20:02,879 Speaker 1: Because hy old checking, you can even check your local 452 00:20:02,880 --> 00:20:05,800 Speaker 1: credit unions. But for sure, you need to get that 453 00:20:05,840 --> 00:20:09,160 Speaker 1: money out of that out of that little I'm guessing 454 00:20:09,200 --> 00:20:13,880 Speaker 1: that's like a point one percent interest account. That's yikes. Yeah, 455 00:20:13,960 --> 00:20:16,120 Speaker 1: get it out of there. You have a year, put 456 00:20:16,119 --> 00:20:18,080 Speaker 1: it away in hy old savings, and you'll be at 457 00:20:18,160 --> 00:20:19,960 Speaker 1: least you'll make a little bit of money on the 458 00:20:20,000 --> 00:20:20,760 Speaker 1: money that you're saving. 459 00:20:21,520 --> 00:20:22,000 Speaker 2: Exactly. 460 00:20:22,800 --> 00:20:24,280 Speaker 1: Awesome. Thanks for your question. 461 00:20:27,840 --> 00:20:32,920 Speaker 2: Next question, tell me the words. I'm never going to 462 00:20:33,119 --> 00:20:33,480 Speaker 2: the words. 463 00:20:33,880 --> 00:20:36,800 Speaker 1: I mean, that was some of them, So that's good. 464 00:20:36,840 --> 00:20:39,280 Speaker 1: A few words is better than done. All right, So 465 00:20:39,359 --> 00:20:41,200 Speaker 1: this is OH, here's from Oh. This is a question 466 00:20:41,240 --> 00:20:42,840 Speaker 1: from a teacher. I think teachers have four oh and 467 00:20:42,880 --> 00:20:45,600 Speaker 1: three four O three B savings? Right? 468 00:20:45,680 --> 00:20:46,600 Speaker 2: Okay? 469 00:20:46,680 --> 00:20:50,199 Speaker 1: Typically this comes from listener ready to roll over? Love it? 470 00:20:50,960 --> 00:20:53,240 Speaker 1: She says, I want to remain anonymous. I recently got 471 00:20:53,280 --> 00:20:56,000 Speaker 1: a new job, and they match up to six percent 472 00:20:56,080 --> 00:20:59,159 Speaker 1: of my contributions to my four O three B. I 473 00:20:59,200 --> 00:21:01,960 Speaker 1: want to roll over about thirty thousand dollars from an 474 00:21:01,960 --> 00:21:05,399 Speaker 1: old TIAA bank for a three B to the my 475 00:21:05,520 --> 00:21:08,400 Speaker 1: new four or three B at my new job. Both 476 00:21:08,400 --> 00:21:11,320 Speaker 1: of these employers are universities. Oh yeah, okay, so she 477 00:21:11,440 --> 00:21:14,000 Speaker 1: is a teacher. Will they match the thirty thousand dollars 478 00:21:14,080 --> 00:21:16,359 Speaker 1: I roll over or will they only match what I 479 00:21:16,400 --> 00:21:19,720 Speaker 1: contribute through the payroll deduction? That's part one of question. 480 00:21:19,800 --> 00:21:29,320 Speaker 1: I'll stop there. You wish, sorry. 481 00:21:27,960 --> 00:21:29,480 Speaker 2: We would all be working at your place. 482 00:21:31,800 --> 00:21:32,960 Speaker 1: That would be a nice incentive. 483 00:21:33,960 --> 00:21:36,960 Speaker 3: I know they will not mask that. It's only what 484 00:21:37,200 --> 00:21:41,639 Speaker 3: you say from working with them. So that's one and two. 485 00:21:42,400 --> 00:21:44,480 Speaker 3: Maybe I mean I'm almost positively like. You can't really 486 00:21:44,600 --> 00:21:47,600 Speaker 3: roll over to another you have to Typically you have 487 00:21:47,640 --> 00:21:50,800 Speaker 3: to roll over to an outside source, not to like. 488 00:21:51,280 --> 00:21:51,919 Speaker 2: I don't know if for. 489 00:21:52,040 --> 00:21:53,920 Speaker 3: Three b's are different, but that's when outside not for 490 00:21:54,000 --> 00:21:59,120 Speaker 3: the to your current jobs four one K or retirement plan, 491 00:21:59,200 --> 00:22:00,640 Speaker 3: meaning like I worked. 492 00:22:00,400 --> 00:22:02,600 Speaker 2: At Target, now I'm working on Lawmart. 493 00:22:02,840 --> 00:22:06,960 Speaker 3: But my Target money can't go to my Walmart retirement account. Instead, 494 00:22:07,000 --> 00:22:10,359 Speaker 3: I have to open up an outside independent retirement house, 495 00:22:10,520 --> 00:22:13,600 Speaker 3: and all of my any company that w was outside 496 00:22:13,600 --> 00:22:16,080 Speaker 3: of that, I can roll over to this outside independent account. 497 00:22:16,200 --> 00:22:17,439 Speaker 3: I don't know if it's different be four and three 498 00:22:17,480 --> 00:22:20,480 Speaker 3: b's or what company they use, is they'll take it, 499 00:22:20,520 --> 00:22:23,600 Speaker 3: but I'm almost positive you typically can't go. You can't 500 00:22:23,640 --> 00:22:26,200 Speaker 3: take like one company's money and give it to another company. 501 00:22:26,720 --> 00:22:30,160 Speaker 1: No, you can, though, because I've done that. I've switched jobs. Yeah, 502 00:22:30,240 --> 00:22:32,639 Speaker 1: I've switched from Business Insider to Yahoo. I did a 503 00:22:32,720 --> 00:22:35,960 Speaker 1: rollover and we had a td ameri trade. I remember 504 00:22:35,960 --> 00:22:37,840 Speaker 1: I had a td Ameritrade four oh one K when 505 00:22:37,840 --> 00:22:39,720 Speaker 1: I was at Business Insider, and then I switched to 506 00:22:39,800 --> 00:22:42,560 Speaker 1: Yahoo and I rolled over my little my little money 507 00:22:42,600 --> 00:22:44,520 Speaker 1: that I had saved up, my little coins over into 508 00:22:44,680 --> 00:22:50,480 Speaker 1: the Vanguard, the Vanguard account. And I don't remember exactly, 509 00:22:51,680 --> 00:22:54,359 Speaker 1: I definitely know I could. Whether or not I had 510 00:22:54,440 --> 00:22:59,360 Speaker 1: to open up a separate IRA outside of my Yahoo money, 511 00:22:59,359 --> 00:23:02,320 Speaker 1: I don't remember, but I do know. Most recently, when 512 00:23:02,440 --> 00:23:06,480 Speaker 1: Magnify money was acquired our new parent company. I was 513 00:23:06,560 --> 00:23:09,119 Speaker 1: able to roll over the money I had saved in 514 00:23:09,280 --> 00:23:12,480 Speaker 1: my Magnified money for a one K into the new 515 00:23:13,040 --> 00:23:15,280 Speaker 1: parent companies four A one K, which was a different 516 00:23:15,680 --> 00:23:18,119 Speaker 1: We went from ubiquity. Yeah, we went from ubiquity to 517 00:23:18,880 --> 00:23:23,119 Speaker 1: principal retirement and I was able to. So yeah, you're 518 00:23:23,160 --> 00:23:27,680 Speaker 1: able to. Definitely, Definitely you don't have to do, you know, 519 00:23:27,840 --> 00:23:29,960 Speaker 1: if you wanted to, Like that's that's the next part 520 00:23:30,000 --> 00:23:32,320 Speaker 1: of her question is we can talk about do you 521 00:23:32,400 --> 00:23:34,160 Speaker 1: should you you know, do you have to roll over 522 00:23:34,280 --> 00:23:36,320 Speaker 1: to your employers for a one K or four oh 523 00:23:36,359 --> 00:23:38,680 Speaker 1: three B? She says her next question is should I 524 00:23:38,720 --> 00:23:41,639 Speaker 1: automatically roll over my old four three B into the 525 00:23:41,680 --> 00:23:44,480 Speaker 1: new four or three B? Or should I compare the performance? First, 526 00:23:45,280 --> 00:23:47,320 Speaker 1: I'm worried that my old four oh three B might 527 00:23:47,400 --> 00:23:50,959 Speaker 1: outperform my employers for oh three B. So that kind 528 00:23:50,960 --> 00:23:52,920 Speaker 1: of gets to the question do you have to roll 529 00:23:52,960 --> 00:23:56,200 Speaker 1: over into your new employer's retirement account. You don't have to. 530 00:23:56,320 --> 00:23:59,240 Speaker 1: You could do a Tiffany talked about, which is just 531 00:23:59,320 --> 00:24:02,840 Speaker 1: open your own outside I ray and roll the money 532 00:24:02,920 --> 00:24:05,520 Speaker 1: over into that account. And what you the only reason 533 00:24:05,600 --> 00:24:07,159 Speaker 1: you want to do. That is maybe if one you're 534 00:24:07,200 --> 00:24:11,000 Speaker 1: not getting a match, or two if you just don't 535 00:24:11,080 --> 00:24:15,000 Speaker 1: like the the investment options that you have at your 536 00:24:15,080 --> 00:24:15,960 Speaker 1: new employer, spank. 537 00:24:16,040 --> 00:24:18,359 Speaker 3: Sometimes people will tell you because it depends, like sometimes 538 00:24:18,560 --> 00:24:20,199 Speaker 3: let's just say you hop from place to place too, 539 00:24:20,760 --> 00:24:24,000 Speaker 3: if you like, keeping track of multiple accounts can be difficult. 540 00:24:24,000 --> 00:24:26,280 Speaker 3: That's typically why people tell you to roll over so 541 00:24:26,440 --> 00:24:28,440 Speaker 3: that way you don't have to, like, you know, let's 542 00:24:28,480 --> 00:24:30,040 Speaker 3: just say five years from now, you work for another 543 00:24:30,160 --> 00:24:34,480 Speaker 3: university and now you have three three retirement accounts, so 544 00:24:34,840 --> 00:24:38,040 Speaker 3: combining them can can just be for ease of use 545 00:24:38,160 --> 00:24:41,119 Speaker 3: to to make sure. But I mean, I guess the 546 00:24:41,160 --> 00:24:43,240 Speaker 3: assumption I'm not sure where she has her money. But 547 00:24:43,880 --> 00:24:46,800 Speaker 3: let's just say, like you put like a target date fund, 548 00:24:46,880 --> 00:24:49,560 Speaker 3: like I'm going to retire at sixty five, and then 549 00:24:49,680 --> 00:24:52,240 Speaker 3: your money is like allocated in such a way that 550 00:24:52,359 --> 00:24:54,840 Speaker 3: it's going to balance itself that every year with the 551 00:24:54,920 --> 00:24:57,920 Speaker 3: target date of having a certain amount of money in 552 00:24:58,000 --> 00:25:00,639 Speaker 3: your retirement account by sixty five. So I don't know, 553 00:25:00,720 --> 00:25:04,720 Speaker 3: I never thought about that because I always just so 554 00:25:05,119 --> 00:25:07,680 Speaker 3: you know what, I'm going to take my account with 555 00:25:07,920 --> 00:25:11,960 Speaker 3: me because my worry is, like even today Superman said, 556 00:25:11,960 --> 00:25:12,920 Speaker 3: it's not even to happen to you. 557 00:25:13,400 --> 00:25:16,240 Speaker 2: What would I do about your companies? So having them 558 00:25:16,760 --> 00:25:20,399 Speaker 2: in one space to make it easy for should something happen, 559 00:25:20,920 --> 00:25:21,480 Speaker 2: to make. 560 00:25:21,359 --> 00:25:23,280 Speaker 3: It easy for myself to figure out where my money is, 561 00:25:23,320 --> 00:25:25,639 Speaker 3: and make it easy for the people that are my 562 00:25:25,920 --> 00:25:27,960 Speaker 3: my beneficiary to figure out where the money is. 563 00:25:29,600 --> 00:25:31,000 Speaker 2: So I mean, but it's up to you, though you 564 00:25:31,040 --> 00:25:33,000 Speaker 2: don't you don't have to roll it over. But like 565 00:25:33,080 --> 00:25:34,800 Speaker 2: I also don't think it's necessarily a good idea to 566 00:25:34,840 --> 00:25:36,400 Speaker 2: have a ton of accounts floating out there. 567 00:25:37,320 --> 00:25:38,720 Speaker 1: Yeah, I mean, unless you're going to write them down 568 00:25:38,720 --> 00:25:41,360 Speaker 1: and remember them. I tend I've been rolling mine over. 569 00:25:41,920 --> 00:25:44,440 Speaker 1: But I would say, certainly you can do whatever you 570 00:25:44,480 --> 00:25:46,320 Speaker 1: want with your old account. I mean, you have the 571 00:25:46,400 --> 00:25:47,800 Speaker 1: money there. They're not going to match it if you 572 00:25:47,920 --> 00:25:50,320 Speaker 1: roll it over. So you could roll it into a 573 00:25:50,560 --> 00:25:53,640 Speaker 1: you know, an outside retirement fund at a different bank 574 00:25:53,680 --> 00:25:55,480 Speaker 1: if you want it with better investment options, and that 575 00:25:55,600 --> 00:25:57,719 Speaker 1: maybe you know, if you think you're going to hop 576 00:25:57,760 --> 00:25:59,560 Speaker 1: around at future, you know, from job to job in 577 00:25:59,600 --> 00:26:00,920 Speaker 1: the future, you might just want to have it in 578 00:26:01,000 --> 00:26:05,320 Speaker 1: one place. But definitely everything that you're investing moving forward, 579 00:26:05,480 --> 00:26:07,600 Speaker 1: go ahead and put it in your employer's account, because 580 00:26:07,640 --> 00:26:09,680 Speaker 1: six percent matching is pretty dope. 581 00:26:10,359 --> 00:26:13,520 Speaker 2: What it is? Pretty dope. That's a really good matching program. 582 00:26:13,960 --> 00:26:15,320 Speaker 1: Yeah, take advantage for sure. 583 00:26:15,720 --> 00:26:19,320 Speaker 2: Question how we gonna I don't know, just next question. 584 00:26:19,440 --> 00:26:21,320 Speaker 1: I mean, if you keep trying. I don't know if 585 00:26:21,359 --> 00:26:23,359 Speaker 1: you've like done research, but it's not gonna get better 586 00:26:23,680 --> 00:26:25,479 Speaker 1: until you look up the lyrics. 587 00:26:27,160 --> 00:26:28,560 Speaker 2: I'm gonna listen to the YouTube. 588 00:26:28,760 --> 00:26:31,680 Speaker 3: I'm gonna watch it, and I'm gonna at least get 589 00:26:31,720 --> 00:26:33,600 Speaker 3: the dish like this this thing called rap Genius, I 590 00:26:33,640 --> 00:26:35,879 Speaker 3: think it's called or whatever, but you can get the lyrics, 591 00:26:35,920 --> 00:26:38,960 Speaker 3: and so I am going to I'm gonna I'm gonna 592 00:26:39,000 --> 00:26:41,000 Speaker 3: have some at least the first line, at least that 593 00:26:41,119 --> 00:26:41,640 Speaker 3: first line. 594 00:26:41,880 --> 00:26:47,000 Speaker 1: Yeah, okay, next time, all right, Another anonymous question. So 595 00:26:47,240 --> 00:26:51,479 Speaker 1: this comes from listener, Oh anonymous anonymous, let's call her 596 00:26:52,280 --> 00:26:56,000 Speaker 1: debt Diva. She says, I'm a recent college graduate. I 597 00:26:56,080 --> 00:26:58,520 Speaker 1: have been so reckless with my credit cards in college. 598 00:26:58,600 --> 00:27:00,960 Speaker 1: I think I got too excited when I turn eighteen 599 00:27:01,080 --> 00:27:04,159 Speaker 1: and wrongly believed in unlimited money. I now owe a 600 00:27:04,200 --> 00:27:06,200 Speaker 1: lot of money in credit card debt and student loans, 601 00:27:06,240 --> 00:27:10,320 Speaker 1: about seventeen thousand dollars in consumer debt and twenty five 602 00:27:10,400 --> 00:27:13,679 Speaker 1: thousand dollars in student loans. I freeze my credit account 603 00:27:13,720 --> 00:27:15,960 Speaker 1: and I'm working to pay off my debt. I have 604 00:27:16,119 --> 00:27:18,679 Speaker 1: a job, but I only make thirty five thousand dollars 605 00:27:18,720 --> 00:27:20,640 Speaker 1: per year, and I feel like most of my money 606 00:27:20,720 --> 00:27:23,800 Speaker 1: is going to bills. I am just exhausted from paying 607 00:27:23,880 --> 00:27:26,200 Speaker 1: all this amount, and I honestly have learned my lesson. 608 00:27:26,600 --> 00:27:29,080 Speaker 1: I've thought about filing for bankruptcy, but I believe that 609 00:27:29,200 --> 00:27:32,280 Speaker 1: this much debt is not worth filing bankruptcy over. Please 610 00:27:32,359 --> 00:27:34,119 Speaker 1: please help me. Do you have any tips on how 611 00:27:34,200 --> 00:27:39,440 Speaker 1: I can pay off this debt? That's a lot of 612 00:27:39,720 --> 00:27:42,639 Speaker 1: consumer It's like credit card debt seventeen thousand dollars, a 613 00:27:42,720 --> 00:27:44,720 Speaker 1: student loan debt twenty five thousand dollars. I'm not like 614 00:27:44,760 --> 00:27:49,240 Speaker 1: afraid by That's normal ish, that's doable. You know, you're young, 615 00:27:49,359 --> 00:27:50,400 Speaker 1: you have years to pay it off. 616 00:27:50,440 --> 00:27:50,760 Speaker 3: You will. 617 00:27:51,040 --> 00:27:53,879 Speaker 1: But seventeen g's and credit card debt, and if that's 618 00:27:54,000 --> 00:27:57,640 Speaker 1: interest accrewing every month, I mean, that's not a good book. 619 00:27:58,119 --> 00:27:59,960 Speaker 2: And I'm gonna lie. I was one point thirty five 620 00:28:00,080 --> 00:28:01,639 Speaker 2: thousand dollars in credit card dad, So. 621 00:28:01,640 --> 00:28:05,480 Speaker 1: I'm like, okay, look at that now. 622 00:28:05,880 --> 00:28:09,439 Speaker 3: So I'll tell you what I did to get rid 623 00:28:09,480 --> 00:28:12,000 Speaker 3: of the the thirty five thousand dollars in credit card 624 00:28:12,080 --> 00:28:12,600 Speaker 3: dad were one. 625 00:28:13,440 --> 00:28:15,280 Speaker 2: I had to put the cards down because I was 626 00:28:15,280 --> 00:28:17,720 Speaker 2: still digging, so I was still swiping. I was in 627 00:28:17,840 --> 00:28:20,399 Speaker 2: a ditch and I was still digging. So my shovel 628 00:28:20,480 --> 00:28:21,120 Speaker 2: was my credit card. 629 00:28:21,160 --> 00:28:23,320 Speaker 3: So I literally I was like, I literally remember looking 630 00:28:23,320 --> 00:28:26,120 Speaker 3: in the mirror and doing the jersey clap like Tiffany, 631 00:28:26,920 --> 00:28:28,760 Speaker 3: you know, that's like the pisted off jersey girl clap. 632 00:28:29,240 --> 00:28:31,920 Speaker 2: And I was like, honestly, what are we doing? Put 633 00:28:32,000 --> 00:28:34,680 Speaker 2: the card down? And so I put it down. 634 00:28:34,760 --> 00:28:36,399 Speaker 3: I either cut it up or hit it for myself, 635 00:28:36,480 --> 00:28:39,080 Speaker 3: and I said, okay, so at least, now moving forward, 636 00:28:39,360 --> 00:28:41,000 Speaker 3: we're not adding on to. 637 00:28:41,080 --> 00:28:42,960 Speaker 2: The debt that you have. So that was one. 638 00:28:43,800 --> 00:28:46,320 Speaker 3: And then too I looked and like, I can't remember. 639 00:28:46,800 --> 00:28:50,040 Speaker 3: I feel like my credit score wasn't wasn't terrible at 640 00:28:50,080 --> 00:28:50,440 Speaker 3: that time. 641 00:28:50,920 --> 00:28:53,280 Speaker 2: So what I did do is I at least with 642 00:28:53,840 --> 00:28:54,400 Speaker 2: I don't know how. 643 00:28:54,320 --> 00:28:55,880 Speaker 3: Much it was, maybe with like five or six thousand 644 00:28:55,920 --> 00:28:57,920 Speaker 3: dollars of the debt I was able to roll over 645 00:28:58,120 --> 00:29:00,480 Speaker 3: to a balance transfer. I actually went to act my money, 646 00:29:00,840 --> 00:29:03,160 Speaker 3: found a car and a balance transfer card and transferred 647 00:29:03,200 --> 00:29:05,600 Speaker 3: over as much as they would allow, like I think 648 00:29:05,640 --> 00:29:07,160 Speaker 3: it was like five or six thousand. 649 00:29:07,240 --> 00:29:08,360 Speaker 2: So I transferred that over. 650 00:29:08,680 --> 00:29:12,600 Speaker 3: And I started the Snowball method of paying down the 651 00:29:12,760 --> 00:29:16,600 Speaker 3: debt systematically because that help, and I automated it, and 652 00:29:16,720 --> 00:29:17,880 Speaker 3: so every month I would look at it. 653 00:29:17,920 --> 00:29:20,080 Speaker 2: But I was just automating. So if you don't know, 654 00:29:20,320 --> 00:29:21,960 Speaker 2: just google the snowball method. 655 00:29:22,040 --> 00:29:25,520 Speaker 3: But a balanced transfer paying down the debt automatically, and 656 00:29:25,560 --> 00:29:27,000 Speaker 3: you know, it really helped me. Any that were like 657 00:29:27,280 --> 00:29:29,280 Speaker 3: kind of helped to the turbo boost it. I did 658 00:29:29,320 --> 00:29:32,520 Speaker 3: this thing called unexpected money, and I call it you 659 00:29:32,680 --> 00:29:35,360 Speaker 3: U whim. So what unexpected money is any money that 660 00:29:35,440 --> 00:29:38,920 Speaker 3: I got that wasn't from like my normal pay so 661 00:29:39,080 --> 00:29:40,640 Speaker 3: that like, so my sister at least that pays me 662 00:29:40,680 --> 00:29:43,240 Speaker 3: back twenty bucks, she owes me. Who knew because least 663 00:29:43,240 --> 00:29:45,680 Speaker 3: don't pay back, you know, or like Grandma gives you, 664 00:29:45,840 --> 00:29:48,480 Speaker 3: you know, fifty bucks for your birthday or Christmas or whatever, 665 00:29:48,680 --> 00:29:51,640 Speaker 3: so money that's outside of your normal income. Or even better, 666 00:29:51,760 --> 00:29:54,480 Speaker 3: let's just say you're at Target and you're you're buying 667 00:29:54,560 --> 00:29:57,480 Speaker 3: a dress and it's twenty five dollars and they were like, oh, 668 00:29:57,680 --> 00:30:00,600 Speaker 3: it's you know, fifty percent off, so it's you know, 669 00:30:00,720 --> 00:30:04,120 Speaker 3: twelve dollars twelve fifty or whatever. So that extra twelve 670 00:30:04,160 --> 00:30:05,719 Speaker 3: fifty that you were going to spend anyway, or your 671 00:30:05,760 --> 00:30:07,800 Speaker 3: friend treats you to brunch and you were expecting to 672 00:30:07,840 --> 00:30:09,840 Speaker 3: pay thirty dollars, that thirty dollars that you were going 673 00:30:09,920 --> 00:30:13,280 Speaker 3: to spend. From my phone, I used to transfer that money, 674 00:30:13,320 --> 00:30:16,840 Speaker 3: that unexpected money, directly to whatever debt I was working. 675 00:30:16,600 --> 00:30:19,400 Speaker 2: On, because with the snowball men, you really focused on one. 676 00:30:19,720 --> 00:30:23,360 Speaker 3: Card at a time, so I could like transfer, like 677 00:30:23,480 --> 00:30:25,560 Speaker 3: in a month, I might transfer an extra one hundred 678 00:30:25,600 --> 00:30:28,400 Speaker 3: and fifty two hundred dollars from my sister Lisa and grandma, 679 00:30:28,840 --> 00:30:31,120 Speaker 3: you know, the target dress was on sale. My friend 680 00:30:31,160 --> 00:30:32,920 Speaker 3: treated me to lunch even though I was going to pay, 681 00:30:33,440 --> 00:30:35,880 Speaker 3: and that really helped to pay down that debt so 682 00:30:36,000 --> 00:30:39,120 Speaker 3: much faster. So I think that's what I did. And 683 00:30:39,200 --> 00:30:41,560 Speaker 3: it took me about two and a half years to 684 00:30:41,600 --> 00:30:43,360 Speaker 3: pay down to thirty five thousand dollars worth of debt. 685 00:30:44,120 --> 00:30:45,960 Speaker 3: But when it was gone, you know I could, I 686 00:30:46,000 --> 00:30:49,840 Speaker 3: could have wept tears of joy, but and it wasn't easy, 687 00:30:50,280 --> 00:30:52,960 Speaker 3: but it was so worth it. Now since then I 688 00:30:53,080 --> 00:30:55,920 Speaker 3: have not had because before that I never had credit 689 00:30:55,960 --> 00:30:57,600 Speaker 3: card debt goal for the month and a month, and 690 00:30:58,000 --> 00:30:59,400 Speaker 3: now I stopped. 691 00:30:59,440 --> 00:31:02,400 Speaker 2: That was maybe three or four years ago, I guess, 692 00:31:02,720 --> 00:31:04,360 Speaker 2: And so I don't like. I pay off my. 693 00:31:04,440 --> 00:31:07,000 Speaker 3: Credit card debt every single month in full since then. 694 00:31:07,920 --> 00:31:11,520 Speaker 3: And so so it's possible despite having own a lot. 695 00:31:12,400 --> 00:31:15,360 Speaker 2: It's just about creating a system. If you can automate it, 696 00:31:15,440 --> 00:31:17,480 Speaker 2: that's even better, and sticking to it. 697 00:31:18,000 --> 00:31:19,600 Speaker 3: And you know, and like I said, doing that little 698 00:31:19,640 --> 00:31:23,600 Speaker 3: sheet sheet of unexpected money that helps too, for sure. 699 00:31:23,920 --> 00:31:25,840 Speaker 2: So good luck to you, Anonymous. 700 00:31:26,160 --> 00:31:30,680 Speaker 1: Thank you for your question. We called her dead diva diva. Ooh, 701 00:31:30,720 --> 00:31:33,560 Speaker 1: we got another question. I love a good awkward family 702 00:31:34,040 --> 00:31:38,000 Speaker 1: situation finance question. So let's say this person's name is 703 00:31:38,080 --> 00:31:43,800 Speaker 1: Furniture Freeda. Okay, Furniture Freeda says, I recently purchased a 704 00:31:43,840 --> 00:31:46,320 Speaker 1: house and for my birthday, my mother wanted to give 705 00:31:46,400 --> 00:31:48,480 Speaker 1: me either a dining set or a living room set 706 00:31:48,520 --> 00:31:50,760 Speaker 1: for the house. I was avoiding her doing this, but 707 00:31:50,840 --> 00:31:53,120 Speaker 1: she insisted that we went to the store picked that 708 00:31:53,200 --> 00:31:55,840 Speaker 1: we've wanted, and when we got to the register, they 709 00:31:55,880 --> 00:31:58,160 Speaker 1: of course asked if we had a store card, which 710 00:31:58,200 --> 00:32:01,200 Speaker 1: we didn't. They mentioned getting ten per off if we applied. 711 00:32:01,760 --> 00:32:04,320 Speaker 1: My mom doesn't have the best credit, so she insisted 712 00:32:04,360 --> 00:32:06,480 Speaker 1: that I apply to get the ten percent off and 713 00:32:08,560 --> 00:32:13,800 Speaker 1: just say and I applied to get the ten percent 714 00:32:13,880 --> 00:32:16,360 Speaker 1: off and she would pay for the card. I was 715 00:32:16,440 --> 00:32:18,479 Speaker 1: really taken aback with this because I thought she had 716 00:32:18,520 --> 00:32:21,360 Speaker 1: the cash to buy the stuff. But against my better judgment, 717 00:32:21,440 --> 00:32:23,640 Speaker 1: I got the card. We all know this is going 718 00:32:24,080 --> 00:32:25,880 Speaker 1: She gave me three hundred bucks the next day, but 719 00:32:26,040 --> 00:32:28,360 Speaker 1: still has fourteen hundred dollars to pay. 720 00:32:28,680 --> 00:32:29,600 Speaker 2: Oh my god. 721 00:32:30,040 --> 00:32:32,080 Speaker 1: We got into a fight a few days after this, 722 00:32:32,240 --> 00:32:34,400 Speaker 1: and I decided not to have her pay the rest. 723 00:32:34,880 --> 00:32:36,840 Speaker 1: She told me not to tell my husband about the 724 00:32:36,880 --> 00:32:39,440 Speaker 1: store cards, so I never did. Now I have to 725 00:32:39,480 --> 00:32:41,640 Speaker 1: tell my husband about the store card because I can't 726 00:32:41,680 --> 00:32:46,320 Speaker 1: sneak away and pay fourteen hundred dollars without him knowing. 727 00:32:47,200 --> 00:32:49,360 Speaker 1: So I guess the question is, what do you think? 728 00:32:49,600 --> 00:32:51,840 Speaker 1: The interest rate on the card is like twenty four 729 00:32:51,920 --> 00:32:55,120 Speaker 1: point nine to nine percent, So basically, if we don't 730 00:32:55,160 --> 00:32:56,640 Speaker 1: pay it off, we will end up paying more in 731 00:32:56,720 --> 00:32:58,040 Speaker 1: interest than the ten percent is worth. 732 00:32:58,200 --> 00:32:58,400 Speaker 2: Yeah. 733 00:32:58,760 --> 00:33:01,560 Speaker 1: I hope this happened like yesterday because if I don't 734 00:33:01,600 --> 00:33:03,840 Speaker 1: know when they got this email. But oh god, okay, 735 00:33:04,160 --> 00:33:06,360 Speaker 1: she says, but we also have a very tight budget 736 00:33:06,400 --> 00:33:08,200 Speaker 1: and have a Low's card to pay off by the 737 00:33:08,360 --> 00:33:11,840 Speaker 1: end of November. So she's got fourteen hundred dollars on 738 00:33:11,960 --> 00:33:15,640 Speaker 1: a twenty five percent APR card. She has gotten up 739 00:33:15,640 --> 00:33:18,239 Speaker 1: by with her mother, and she let her ego get 740 00:33:18,280 --> 00:33:19,680 Speaker 1: in the way a little bit and said, I don't 741 00:33:19,680 --> 00:33:20,280 Speaker 1: want your money. 742 00:33:20,640 --> 00:33:23,440 Speaker 2: Those of you listening, this is why I say store 743 00:33:23,440 --> 00:33:24,280 Speaker 2: a card to the devil. 744 00:33:24,600 --> 00:33:27,480 Speaker 1: The devil, the devil, wow, I mean. 745 00:33:28,840 --> 00:33:33,400 Speaker 3: Because twenty four percent, that means about every dollar that 746 00:33:33,560 --> 00:33:35,920 Speaker 3: you give them. They take a corner out and say, 747 00:33:36,040 --> 00:33:40,000 Speaker 3: for me, it's crazy, like that's a loan shark rate, 748 00:33:40,200 --> 00:33:43,160 Speaker 3: you know. And so yeah, if it's soon, I would 749 00:33:43,200 --> 00:33:46,440 Speaker 3: turn that dag on furniture or you put your money 750 00:33:46,640 --> 00:33:47,680 Speaker 3: mother back on that payment plany. 751 00:33:47,680 --> 00:33:49,000 Speaker 2: I mean, you're gonna have tell you how annemies And 752 00:33:49,040 --> 00:33:50,160 Speaker 2: that's a lot of money with gardens. 753 00:33:50,640 --> 00:33:53,240 Speaker 1: And but the thing is like, if if her mother 754 00:33:53,360 --> 00:33:55,480 Speaker 1: didn't have the money that day to pay off the card, 755 00:33:55,560 --> 00:33:58,400 Speaker 1: she never should have applied for it, because you're always 756 00:33:58,480 --> 00:34:00,480 Speaker 1: gonna walk away spending more than you would have saved 757 00:34:00,480 --> 00:34:02,360 Speaker 1: with a ten percent like the first month that you 758 00:34:02,480 --> 00:34:05,080 Speaker 1: let the balance stay on the card like that should 759 00:34:05,120 --> 00:34:08,160 Speaker 1: never have happened. That's that's what people don't compute. They think, oh, 760 00:34:08,160 --> 00:34:10,520 Speaker 1: I'm gonna save something, but unless you have the cash 761 00:34:10,600 --> 00:34:12,640 Speaker 1: right away, then that's not a deal. That's like a 762 00:34:13,000 --> 00:34:13,640 Speaker 1: death sentence. 763 00:34:13,800 --> 00:34:14,000 Speaker 2: Yeah. 764 00:34:14,600 --> 00:34:16,640 Speaker 3: Yeah, and know this for people listening, that it's not 765 00:34:16,719 --> 00:34:19,200 Speaker 3: a gift if there's payments happening. He did like when 766 00:34:19,239 --> 00:34:21,680 Speaker 3: someone says, oh, like like I remember one year, my 767 00:34:21,800 --> 00:34:25,080 Speaker 3: dad got my mom a car, but he went to 768 00:34:25,160 --> 00:34:26,879 Speaker 3: the auction and he saved that he bought a cash 769 00:34:27,480 --> 00:34:30,040 Speaker 3: if he would have gotten her car, and then there's payments, 770 00:34:30,120 --> 00:34:32,320 Speaker 3: It's like, that's not really a gift. But you know 771 00:34:32,400 --> 00:34:35,800 Speaker 3: when I hear to make you feel bad, furniture freeda 772 00:34:35,960 --> 00:34:37,120 Speaker 3: because we are all made mistake. 773 00:34:37,200 --> 00:34:41,680 Speaker 2: Lord, no, I still make mistakes. I feel like furniture freeda. 774 00:34:41,960 --> 00:34:44,239 Speaker 3: This is just a good lesson, like moving forward, that 775 00:34:44,480 --> 00:34:47,080 Speaker 3: having a rule, because there's nothing worse than kind of 776 00:34:47,200 --> 00:34:48,920 Speaker 3: like not telling your boots. 777 00:34:48,600 --> 00:34:50,279 Speaker 2: Something and you're like, oh, it doesn't matter, and then 778 00:34:50,280 --> 00:34:53,439 Speaker 2: it becomes everything. You're like, dag, we've all. 779 00:34:53,360 --> 00:34:56,680 Speaker 3: Been there, but right, so there should be like a 780 00:34:56,719 --> 00:34:59,680 Speaker 3: basic rule where it's maybe like anything over one hundred 781 00:34:59,760 --> 00:35:03,080 Speaker 3: dollars or both of you have to discuss it. And 782 00:35:03,280 --> 00:35:05,839 Speaker 3: so that way there's no surprises like this. But it's 783 00:35:05,920 --> 00:35:07,440 Speaker 3: up to you to decide what that rule is. But 784 00:35:07,880 --> 00:35:10,080 Speaker 3: that way too, when something like this happens, you have 785 00:35:10,120 --> 00:35:12,360 Speaker 3: a rule of stuff to be like, hey Ma, you know, 786 00:35:12,640 --> 00:35:14,480 Speaker 3: I think this is great, but I have to call 787 00:35:15,280 --> 00:35:17,840 Speaker 3: I gotta call you know, a husband, because you know, 788 00:35:18,000 --> 00:35:19,799 Speaker 3: he and I have this rule that we both honor 789 00:35:19,840 --> 00:35:21,839 Speaker 3: than anything over this amount of money. We don't make 790 00:35:21,920 --> 00:35:24,919 Speaker 3: financial choices, I mean like barring like clothes for the kids, 791 00:35:25,040 --> 00:35:26,120 Speaker 3: or like groceries. 792 00:35:25,760 --> 00:35:26,279 Speaker 2: Or something like that. 793 00:35:26,360 --> 00:35:29,440 Speaker 3: But we don't make like outside kind of like financial 794 00:35:29,520 --> 00:35:33,239 Speaker 3: choices over this amount of money without letting each other know. 795 00:35:33,800 --> 00:35:36,080 Speaker 3: Because sometimes just that pause would have made you say, 796 00:35:36,160 --> 00:35:38,440 Speaker 3: wait a minute, this doesn't make sense. Although I appreciate 797 00:35:38,480 --> 00:35:40,279 Speaker 3: to give my let's look for something else. 798 00:35:40,520 --> 00:35:42,200 Speaker 1: I love that one hundred dollars rule. I wish that 799 00:35:42,200 --> 00:35:43,640 Speaker 1: we could I could say that we have a rule 800 00:35:43,719 --> 00:35:46,279 Speaker 1: like that that we follow. We definitely have all of 801 00:35:46,280 --> 00:35:50,440 Speaker 1: our accounts link though, and we see when when charges 802 00:35:50,520 --> 00:35:52,640 Speaker 1: are on the card, and we have conversations about it 803 00:35:52,719 --> 00:35:57,319 Speaker 1: after the fact. But I think at least having transparency. 804 00:35:57,719 --> 00:36:00,200 Speaker 1: Transparency is key because then it's not possible for one 805 00:36:00,239 --> 00:36:01,799 Speaker 1: of us to do something behind the other person's back. 806 00:36:01,880 --> 00:36:03,959 Speaker 1: Not that we would, but it just helps us both, 807 00:36:04,520 --> 00:36:05,920 Speaker 1: you know, feel more comfortable that way. 808 00:36:06,320 --> 00:36:09,719 Speaker 3: I know couples that actually have one the get notifications 809 00:36:09,760 --> 00:36:10,880 Speaker 3: to their phone if you spend. 810 00:36:10,719 --> 00:36:11,440 Speaker 2: Over a certain amount. 811 00:36:12,120 --> 00:36:14,000 Speaker 1: I definitely do that for myself. I don't do it 812 00:36:14,120 --> 00:36:15,680 Speaker 1: for his card because I feel like that's a little 813 00:36:15,680 --> 00:36:19,480 Speaker 1: big brotherish, but for my own personal card, I do that. 814 00:36:19,560 --> 00:36:21,279 Speaker 1: And we have all of our link accounts anytime we 815 00:36:21,320 --> 00:36:24,440 Speaker 1: can go into our little dashboard and see I mean 816 00:36:24,520 --> 00:36:26,640 Speaker 1: right now with the house though, it's just all crazy, 817 00:36:27,040 --> 00:36:30,000 Speaker 1: it's all insane. I don't know, like, you know, we 818 00:36:30,120 --> 00:36:32,560 Speaker 1: just got our estimate for our countertops today and nothing 819 00:36:32,680 --> 00:36:33,880 Speaker 1: is nothing is normal any more. 820 00:36:34,000 --> 00:36:40,000 Speaker 2: Hundred dollars. I wish, I wish. I God, you know, 821 00:36:40,280 --> 00:36:41,080 Speaker 2: I've been the throat. 822 00:36:41,160 --> 00:36:44,080 Speaker 3: We haven't even really started to get busy with it, 823 00:36:44,239 --> 00:36:46,480 Speaker 3: but like we just started the basic demo and I'm 824 00:36:46,480 --> 00:36:47,920 Speaker 3: definitely like, oh my gosh, I. 825 00:36:48,000 --> 00:36:50,480 Speaker 2: Know it's gonna be like wait what, But you said 826 00:36:50,920 --> 00:36:51,400 Speaker 2: wait what. 827 00:36:51,600 --> 00:36:55,640 Speaker 1: Pipe so I'm like, oh, do you know our teeny 828 00:36:55,719 --> 00:36:57,640 Speaker 1: tiny our teeny tiny house I was like, do you 829 00:36:57,680 --> 00:36:59,680 Speaker 1: know how much the countertops estimate was that we got 830 00:36:59,760 --> 00:37:02,320 Speaker 1: for the like the normal price. It's like five thousand 831 00:37:02,360 --> 00:37:06,080 Speaker 1: dollars for whose kitchen? This is a teeny tiny kitchen. 832 00:37:06,120 --> 00:37:11,719 Speaker 1: I can't believe it anyway, Quarts, because I thought that was, 833 00:37:11,880 --> 00:37:15,239 Speaker 1: you know, the good, the good, low cost alternative to 834 00:37:15,320 --> 00:37:18,440 Speaker 1: Marble or whatever. Man, I'm getting my vacation vibes out 835 00:37:18,480 --> 00:37:21,640 Speaker 1: of whack now thinking about these Courts countertops. But yeah, 836 00:37:22,600 --> 00:37:26,880 Speaker 1: fifty five hundred, I'm back on the water. I'm with 837 00:37:27,040 --> 00:37:28,720 Speaker 1: the whales. It's fine. 838 00:37:30,840 --> 00:37:32,400 Speaker 2: Yeah. Oh R. 839 00:37:32,640 --> 00:37:35,480 Speaker 1: On that note, thank you guys for your questions. 840 00:37:36,760 --> 00:37:40,000 Speaker 3: Yes, thank you for joining us post vaca well the way, 841 00:37:40,080 --> 00:37:42,239 Speaker 3: but yes we will be unique week. 842 00:37:42,920 --> 00:37:46,120 Speaker 2: More questions, more question more questions. Then we really enjoy y'all. 843 00:37:46,560 --> 00:37:47,960 Speaker 2: Thank you for supporting grind Vision.