WEBVTT - Ep. 145 — Real Talk for the Debt Divas Out There

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<v Speaker 1>Yeah, it's been really nice. I would say, like we

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<v Speaker 1>I officially left on Thursday, but it took me maybe

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<v Speaker 1>until like yesterday to feel like I was on vacation.

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<v Speaker 2>I was.

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<v Speaker 1>I was a little tense. I was a little like

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<v Speaker 1>still checking my work email. They were a couple of

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<v Speaker 1>things that I left loosely tied up that just needed

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<v Speaker 1>to be put you know, boson up to Sunday evening.

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<v Speaker 1>And then we left Seattle and got to where we

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<v Speaker 1>are now on the San Juan Islands and did some

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<v Speaker 1>whale watching yesterday. And when I saw my first Orca whale,

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<v Speaker 1>I was like in vacation mindset, go, no, that's awesome.

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<v Speaker 2>The trip, oh my god. I did not even want

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<v Speaker 2>to go on the teen trip because I like the

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<v Speaker 2>same thing. There was so much work, and literally I

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<v Speaker 2>was working all night welcome in the morning. I was

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<v Speaker 2>working until like the uber.

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<v Speaker 3>Came and finally I was like I did like the

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<v Speaker 3>core of like what I had to have to do.

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<v Speaker 3>There were still things, like, you know, little things outstanding,

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<v Speaker 3>but I was like, honestly, I just want.

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<v Speaker 2>To stay and finish it. I just but I ended

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<v Speaker 2>up having the best time.

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<v Speaker 3>I can't, I mean, with ten women when I say

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<v Speaker 3>at a ten, it was a twenty with how much

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<v Speaker 3>we got along.

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<v Speaker 2>I mean, it definitely helped that we booked a house.

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<v Speaker 3>The house that we booked was originally when we thought

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<v Speaker 3>we were going to have fourteen people, so it was

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<v Speaker 3>eleven bedrooms. Eleven people came, so basically everyone had their

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<v Speaker 3>own bedrooms. So I'm sure that helped a lot. Yeah,

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<v Speaker 3>but it was such a good time. Honestly, everyone is

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<v Speaker 3>so dope and dynamic. It just was a really really

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<v Speaker 3>good time. But like, I don't we could do like

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<v Speaker 3>I know, you want to make this like a Q

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<v Speaker 3>and A episode.

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<v Speaker 1>No, I mean this is let's you catch me up,

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<v Speaker 1>but I want to know about your VACA. I'm recording

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<v Speaker 1>the people are doing this.

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<v Speaker 3>It was honestly, it was it was everything that like

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<v Speaker 3>we needed because we like, well, first of all, none

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<v Speaker 3>of us had not none, but most of us had

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<v Speaker 3>not met before, so it was very much like a

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<v Speaker 3>reunion of like, hey person, I video chat and have

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<v Speaker 3>phone calls with and slack with. So there was eleven

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<v Speaker 3>of us plus Jabri, my business partner, so he was

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<v Speaker 3>the only guy, and then there was we had a

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<v Speaker 3>private chef and he was a guy too, So the

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<v Speaker 3>house was beautiful. Our plans were the first night just

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<v Speaker 3>to kind of hang out, eat and then watched Napoli

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<v Speaker 3>Ever after.

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<v Speaker 2>Have you seen that movie?

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<v Speaker 1>I watched that. I watched about half of it a

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<v Speaker 1>couple of nights ago.

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<v Speaker 2>But go ahead.

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<v Speaker 1>No, no, no, but no, no no, I think we're getting to

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<v Speaker 1>the point now go ahead.

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<v Speaker 2>Yeah. I definitely was like, what the hell?

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<v Speaker 3>But you know what, for a group of women like

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<v Speaker 3>having a slumber party, it was a great slumber party group.

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<v Speaker 2>Like if I was I would have turned it off

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<v Speaker 2>long ago.

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<v Speaker 1>I wish. I wish I had ten black girlfriends with

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<v Speaker 1>me when I was watching it too, because my husband

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<v Speaker 1>was like, what is.

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<v Speaker 2>Let me tell you your brother Feli he was story.

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<v Speaker 3>We were like, can't help here was a story after

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<v Speaker 3>like like twenty minutes. So that was the first day

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<v Speaker 3>so that was funny. Plus the chef that his food

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<v Speaker 3>was amazing, shout out to chef m.

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<v Speaker 2>Todd.

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<v Speaker 3>And the second day we just went to Universal Studios,

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<v Speaker 3>which was a ton of fun, especially we got kid

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<v Speaker 3>kids because it's so funny how adults all get tired

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<v Speaker 3>at the same time.

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<v Speaker 2>Because you should have seen we were walking toward riding

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<v Speaker 2>five U tever.

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<v Speaker 3>But it was like I'm over it, Like you know,

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<v Speaker 3>we're a baby Supergirl and we're like five nor ride.

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<v Speaker 2>I looked there but his face, I was like you

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<v Speaker 2>want to go there? We're like yes, child, So but

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<v Speaker 2>universal was like a ton of fun.

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<v Speaker 3>And then that night we went to a comedy show

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<v Speaker 3>and then the next day we did a spy like BarreR.

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<v Speaker 2>Who is my executive Adamant.

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<v Speaker 3>She and she and Tambor, who actually used to live

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<v Speaker 3>Tamor is the manager of the academy.

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<v Speaker 2>She used to live in Florida, so she helped her

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<v Speaker 2>find a really great spy.

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<v Speaker 3>Was beautiful like a Dracuzzie steam room, and we basically

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<v Speaker 3>took it over so everyone got a massage and you

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<v Speaker 3>got to pick whether you wanted a peicure or a manicure.

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<v Speaker 3>And then we did team building activities. You know what

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<v Speaker 3>we did and Yadale child to you, mama. She was like,

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<v Speaker 3>tell Mandy, we finally did the this test.

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<v Speaker 2>Oh you did, Mandy.

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<v Speaker 1>It was every day can you guess what I am?

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<v Speaker 2>I s what the hell? Yes?

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<v Speaker 1>I bet your mama couldn't guess what you are?

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<v Speaker 3>But I know, yeah, when we took it Mandy. It

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<v Speaker 3>was so helpful, And yeah, it was so cute because

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<v Speaker 3>yat Alice was like, tell Mandy.

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<v Speaker 2>Because she listens like religiously to the podcast.

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<v Speaker 3>Tell Mandy we finally did this test because she does

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<v Speaker 3>it like at her job.

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<v Speaker 2>I think, ya, I don't know she does HR, but

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<v Speaker 2>she like does stuff like this for where her full

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<v Speaker 2>time job where she works.

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<v Speaker 3>And it was so helpful, Mandy, Oh my goodness, because

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<v Speaker 3>I got to see there's something people you know, like,

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<v Speaker 3>you're totally a D.

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<v Speaker 2>So we don't know. Can you explain what the DISC

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<v Speaker 2>test is again?

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<v Speaker 1>Yeah, So a DISC test stands for it's D I,

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<v Speaker 1>S C, and it's one of these personality tests. But

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<v Speaker 1>DISC is a little bit different because it and the

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<v Speaker 1>way that I've been taught about it is that it

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<v Speaker 1>shows you what your work personality is, how you interact

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<v Speaker 1>in the workplace. And I forget what all the letters

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<v Speaker 1>stand for all the time, but I think, so, if

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<v Speaker 1>you're high D, it means you have a more dominating personality.

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<v Speaker 1>If your high I, you're more social. You like to

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<v Speaker 1>interact with people, and S is a it's sort of

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<v Speaker 1>your level of wanting to help others and be service

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<v Speaker 1>in service of others and a C I think is caution.

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<v Speaker 1>So this is people who think carefully before they make

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<v Speaker 1>a decision. Yeah, and it's really so. I did this

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<v Speaker 1>at my company and it's it's really cool because you

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<v Speaker 1>get to sort of understand not just how you operate,

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<v Speaker 1>but why that person over there is always chatty in

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<v Speaker 1>the morning, how annoying they are. Help helps, you see.

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<v Speaker 2>Because it was so crazy because I see now.

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<v Speaker 3>I was like ooh, because like, for example, there people

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<v Speaker 3>on the team that.

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<v Speaker 2>They're like eyes, you know, were really social and chatty

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<v Speaker 2>and I see that, like ooh, she's a D.

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<v Speaker 3>So all of this like pre chatting that I've been doing,

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<v Speaker 3>I know, shut up, let's get to the thing like that.

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<v Speaker 2>So now I know. But it was so.

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<v Speaker 3>Helpful because it's like like Yadlis did such a great

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<v Speaker 3>She's the youngest of all the Unicorn Squad members and

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<v Speaker 3>members of the team, and she did such a great

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<v Speaker 3>job really explaining you know, like the different kind of

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<v Speaker 3>like attributes that she gave us like a cheat sheet

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<v Speaker 3>where it's like I can understand, like Jabrill, who my

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<v Speaker 3>business partner, is a classic D. You know, get down

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<v Speaker 3>to the money, get down to brass tacks, let's go,

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<v Speaker 3>you know, and it's like, okay, so now understanding like

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<v Speaker 3>what I love is it? We got to see like

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<v Speaker 3>what stresses out a D or an I or c

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<v Speaker 3>R S, what's helpful to them?

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<v Speaker 2>How do they view success? It was just so helpful.

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<v Speaker 3>And then one of my friends who used was wanted

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<v Speaker 3>an Academy expert. She came just say she listens Florida,

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<v Speaker 3>and she really just gave us some really great outside

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<v Speaker 3>feedback of what she sees for the as the business,

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<v Speaker 3>like you know, what are some of our things that

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<v Speaker 3>we do really well? What are some of our areas

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<v Speaker 3>of opportunities? Because she herself is a really amazing business woman.

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<v Speaker 3>Her name is Dontec and she teaches folks who have

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<v Speaker 3>ideas and how to transform them into like actual inventions

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<v Speaker 3>that you could like sell a like Walmart, Target or whatever.

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<v Speaker 3>So her feedback was amazing and we were like so

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<v Speaker 3>many things that we didn't see that we were like

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<v Speaker 3>I didn't from the outside. Seeing it from another business

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<v Speaker 3>woman's eyes were just amazing.

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<v Speaker 2>And then that night we took them out to Not Fancies. Man,

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<v Speaker 2>did have you ever heard of Magiano? No?

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<v Speaker 1>Oh, Magiana's Yeah, I had my I went. I went

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<v Speaker 1>there for prom dinner, like my senior prom.

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<v Speaker 2>Yeah, and it was like, so it's like family style.

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<v Speaker 1>Right, yeah, delicious?

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<v Speaker 3>I remember, Yes, it was so because we were gonna

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<v Speaker 3>go on site, so we stayed at this place called Encore,

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<v Speaker 3>which I had never really seen this before, but it's

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<v Speaker 3>like it's a resort, but she looks like you're in

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<v Speaker 3>a neighborhood because instead of like an apartment, like instead

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<v Speaker 3>of like you know, like I guess a hotel room,

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<v Speaker 3>it's like these are homes that you can rent and

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<v Speaker 3>so all of the homes are like rented out to like,

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<v Speaker 3>you know, vacationers. And so we stayed at one called Encore,

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<v Speaker 3>and it was really nice except for like their We

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<v Speaker 3>were gonna eat at their fancies, fancy restaurant on our

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<v Speaker 3>last night.

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<v Speaker 2>But once they saw what we looked.

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<v Speaker 3>Like, they were like, yeah, there's no space really really

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<v Speaker 3>because we just made the reservation.

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<v Speaker 2>Wait what oh well we'll happen.

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<v Speaker 3>Yes, we'll have to put you outside at nine flack

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<v Speaker 3>at night. So we were like, yeah, actually we're good.

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<v Speaker 3>So they'll be getting all the YELP revis because one

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<v Speaker 3>thing I am when it comes to people treating me

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<v Speaker 3>poor me in service and I am I am social

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<v Speaker 3>media petty. I will write you up on every platform.

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<v Speaker 3>Out They're like, yeah, so if you're black, might want

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<v Speaker 3>to watch out.

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<v Speaker 1>I don't get it. You guys had a reservation and

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<v Speaker 1>they didn't give you a table.

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<v Speaker 3>But yeah, they were just like because of the team

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<v Speaker 3>was like, oh, they wanted to go for a walk.

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<v Speaker 3>They said, well, let's walk by the restaurant and see

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<v Speaker 3>how it looks. We walked by and they she said,

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<v Speaker 3>everyone has stopped and was looking like wait, who were

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<v Speaker 3>these groups of like.

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<v Speaker 2>Black women and brown women?

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<v Speaker 3>And you know, they just went like, oh, we just

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<v Speaker 3>want to see the restaurant because we've been in a reservation.

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<v Speaker 3>And they were like, oh, we're really we're booked and

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<v Speaker 3>she's like really because we booked online and it's not

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<v Speaker 3>booked and secondly, we've already booked a reservation. Oh well,

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<v Speaker 3>we're not really gonna have space, but we can definitely

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<v Speaker 3>put you outside, I mean outside in Florida at.

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<v Speaker 2>Nine, so we could be eating up by mosquitoes.

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<v Speaker 3>So we ended up thankfully finding you know the Maggi

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<v Speaker 3>Magiano Maiano. Yeah, yeah, we ended up finding that Mestra

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<v Speaker 3>and it's like an Italian family style, so they were

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<v Speaker 3>just as loud, which was awesome. So we had a

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<v Speaker 3>really good time there. Honestly, Maddie, it was like I

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<v Speaker 3>never realized how important like team building and things were.

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<v Speaker 3>Like we were already good, but it just put everyone

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<v Speaker 3>in a state of like just greater understanding of.

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<v Speaker 2>Like what our roles are, what we're working toward.

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<v Speaker 3>Everyone came back so refreshed, and so the team so Jabrill.

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<v Speaker 3>It was his idea, and we paid for everything by

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<v Speaker 3>setting aside two percent of our of our gross income

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<v Speaker 3>from the beginning of We started saving in January and February,

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<v Speaker 3>and then when we got enough money saved, we paid

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<v Speaker 3>for flight, we got more, we paid for the house,

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<v Speaker 3>we got more, and so slowly but surely we paid

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<v Speaker 3>for it that way, and it just made it easier

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<v Speaker 3>than paying some lump sum and figuring out where's the

0:10:13.920 --> 0:10:18.520
<v Speaker 3>money come from. So yeah, I encourage anyone who has

0:10:18.559 --> 0:10:22.600
<v Speaker 3>a digital team to plan something like that, And even

0:10:22.679 --> 0:10:24.040
<v Speaker 3>if you can't do it in the first year, you

0:10:24.120 --> 0:10:26.200
<v Speaker 3>might save for two years to be able to do something.

0:10:26.400 --> 0:10:28.520
<v Speaker 3>And I'm telling you groupon as your friend, because that's

0:10:28.520 --> 0:10:30.800
<v Speaker 3>where you used a lot like it doesn't have to

0:10:30.800 --> 0:10:31.200
<v Speaker 3>cost it.

0:10:31.200 --> 0:10:32.760
<v Speaker 2>It can cost as much or as little as you

0:10:32.840 --> 0:10:34.720
<v Speaker 2>as you wanted to cost. But it was an awesome time.

0:10:35.320 --> 0:10:36.960
<v Speaker 1>I actually used a group on on our We did

0:10:37.000 --> 0:10:40.960
<v Speaker 1>a whale watching tour yesterday and I didn't really I haven't,

0:10:41.000 --> 0:10:42.920
<v Speaker 1>Like I said, I haven't planned. We planned like nothing

0:10:42.960 --> 0:10:45.720
<v Speaker 1>for this trip. So we got to the ferry to

0:10:45.800 --> 0:10:47.760
<v Speaker 1>come to the island and then I pulled up group

0:10:47.840 --> 0:10:50.440
<v Speaker 1>on to see like what well watching tours were available,

0:10:50.600 --> 0:10:52.880
<v Speaker 1>and then a lot of these tours, like if you're

0:10:52.880 --> 0:10:55.280
<v Speaker 1>trying to plan last minute on groupon, they have a

0:10:55.520 --> 0:10:57.960
<v Speaker 1>they tell you you can't use it for seventy two hours.

0:10:58.200 --> 0:11:00.319
<v Speaker 1>And I was like, oh crap, but I call one

0:11:00.360 --> 0:11:02.199
<v Speaker 1>of the places, one of the I tried to find

0:11:02.240 --> 0:11:04.800
<v Speaker 1>the one that was highly most highly rated, and I

0:11:04.840 --> 0:11:06.320
<v Speaker 1>called them and I told him I wanted a group

0:11:06.320 --> 0:11:08.520
<v Speaker 1>on one of the group on deal and they were like, okay, well,

0:11:08.520 --> 0:11:12.120
<v Speaker 1>we'll honor the price over the phone because of you know,

0:11:12.120 --> 0:11:13.839
<v Speaker 1>the seventy two hour rule, which I thought was really

0:11:13.920 --> 0:11:15.520
<v Speaker 1>nice of them. So we ended up saving like one

0:11:15.600 --> 0:11:17.120
<v Speaker 1>hundred bucks on our.

0:11:17.200 --> 0:11:18.720
<v Speaker 2>Wow, that's awesome.

0:11:18.920 --> 0:11:21.679
<v Speaker 1>On our whale tour and we saw so many whales

0:11:21.720 --> 0:11:22.880
<v Speaker 1>it was awesome.

0:11:24.960 --> 0:11:26.560
<v Speaker 2>Going on a whalel tour and not seeing well, I've

0:11:26.559 --> 0:11:27.719
<v Speaker 2>definitely done that and I've been like.

0:11:27.840 --> 0:11:31.080
<v Speaker 1>So it was whales guaranteed. They said if we didn't

0:11:31.080 --> 0:11:33.160
<v Speaker 1>see any whales, and I would, I got my receipt.

0:11:33.200 --> 0:11:34.520
<v Speaker 1>I was like, if I don't see a whale, don't

0:11:34.559 --> 0:11:35.599
<v Speaker 1>coming back tomorrow.

0:11:37.920 --> 0:11:40.880
<v Speaker 2>Whales guarantee. Well, I don't want to San Diego.

0:11:40.960 --> 0:11:43.040
<v Speaker 3>And the whales didn't show up, but there were so

0:11:43.080 --> 0:11:45.199
<v Speaker 3>many dolphins and they were awesome, so I was I.

0:11:45.200 --> 0:11:48.120
<v Speaker 1>Was, okay, yeah, there were we came. We came in

0:11:48.160 --> 0:11:50.320
<v Speaker 1>a good time because it's like the end of the

0:11:50.360 --> 0:11:53.600
<v Speaker 1>summer season, but it's still whale time. So there were

0:11:53.960 --> 0:11:57.400
<v Speaker 1>humpbacks and Orca whales and some sea lions and it

0:11:57.440 --> 0:12:00.480
<v Speaker 1>was it was cool. I do kind of feel like

0:12:00.520 --> 0:12:03.319
<v Speaker 1>low key I'm like in the beginning of the movie

0:12:03.320 --> 0:12:06.360
<v Speaker 1>get Out because I think we were the only brown

0:12:06.400 --> 0:12:09.160
<v Speaker 1>people on this I think we are the only brown

0:12:09.160 --> 0:12:12.719
<v Speaker 1>people on this island right now. It's very weird. I mean,

0:12:12.760 --> 0:12:14.679
<v Speaker 1>it's not weird if I mean you whatever. I grew

0:12:14.760 --> 0:12:18.679
<v Speaker 1>up in white neighborhoods and you know whatever, but definitely

0:12:18.960 --> 0:12:21.240
<v Speaker 1>definitely no, no, no people of color.

0:12:21.280 --> 0:12:21.680
<v Speaker 2>I don't know.

0:12:21.760 --> 0:12:23.600
<v Speaker 1>I guess they don't come here. Maybe that's maybe Oprah

0:12:23.720 --> 0:12:25.079
<v Speaker 1>is going to start the trend. I don't know where

0:12:25.080 --> 0:12:27.280
<v Speaker 1>are you guys are come to stand Watt Islands.

0:12:27.320 --> 0:12:31.040
<v Speaker 2>They need us No, but it sounds good. Have you.

0:12:31.080 --> 0:12:33.440
<v Speaker 3>I feel like I haven't seen any You're You've been

0:12:33.480 --> 0:12:35.400
<v Speaker 3>like really good. Not too much social media because I

0:12:35.440 --> 0:12:36.800
<v Speaker 3>haven't seen any pictures posted.

0:12:37.320 --> 0:12:39.960
<v Speaker 1>I did finally post some whale videos. You know. I

0:12:39.960 --> 0:12:42.240
<v Speaker 1>had to do the Free Willy soundtrack that Michael Jackson

0:12:42.360 --> 0:12:50.960
<v Speaker 1>song Dude, I'll think that I'll spare you anyway. That

0:12:51.080 --> 0:12:53.360
<v Speaker 1>was the first movie I saw in theaters Free Willie.

0:12:53.559 --> 0:13:00.319
<v Speaker 1>Shout out to six year old Mandy. I was really

0:13:00.360 --> 0:13:02.839
<v Speaker 1>afraid they make that whale on the big screen. Those

0:13:02.840 --> 0:13:05.840
<v Speaker 1>whales are huge. They're so big, and we got lucky

0:13:05.880 --> 0:13:08.400
<v Speaker 1>because they like surrounded our boat. I guess they we

0:13:08.440 --> 0:13:10.240
<v Speaker 1>can't see what's happening, but they were like eating a

0:13:10.280 --> 0:13:13.160
<v Speaker 1>seal or something. They got really excited and they were

0:13:13.160 --> 0:13:15.760
<v Speaker 1>just having the buffet lunch around our boat and they

0:13:15.760 --> 0:13:17.320
<v Speaker 1>were just like going in and out of the water

0:13:17.400 --> 0:13:19.120
<v Speaker 1>and their tails were up and it was it was

0:13:19.200 --> 0:13:22.480
<v Speaker 1>crazy because you can't plan it. So yeah, it's been

0:13:22.520 --> 0:13:24.600
<v Speaker 1>really nice. But now I feel like, Okay, we did

0:13:24.600 --> 0:13:28.400
<v Speaker 1>a nice hike today and I'm relaxing. But I was telling,

0:13:28.800 --> 0:13:32.000
<v Speaker 1>you know, me being off work right now, and we

0:13:32.400 --> 0:13:35.000
<v Speaker 1>are right by a sea airport, so if you hear

0:13:35.040 --> 0:13:39.080
<v Speaker 1>some you know entries in the background, that's probably a seaplane. No,

0:13:39.160 --> 0:13:41.360
<v Speaker 1>but being away from work, I had to it probably

0:13:41.360 --> 0:13:43.360
<v Speaker 1>took me all of the last two weeks to prepare

0:13:43.400 --> 0:13:45.920
<v Speaker 1>for being gone for a week. And I in the

0:13:45.960 --> 0:13:47.719
<v Speaker 1>back of my mind, I'm like, I'm really glad that

0:13:47.760 --> 0:13:50.400
<v Speaker 1>I'm leaving now, because one, it's a terrible time to leave.

0:13:50.880 --> 0:13:54.920
<v Speaker 1>Like two, I feel like it's also a stress test.

0:13:55.320 --> 0:13:58.280
<v Speaker 1>Can I leave and things are fine? And if the

0:13:58.320 --> 0:14:02.440
<v Speaker 1>answer is no, that's bad. Like it's not like I

0:14:02.440 --> 0:14:05.560
<v Speaker 1>feel like i've in the past thought okay, well, you know,

0:14:05.640 --> 0:14:07.640
<v Speaker 1>if it's good for people to need me to be there,

0:14:07.679 --> 0:14:09.280
<v Speaker 1>I need to be there to do this and do that.

0:14:09.760 --> 0:14:12.400
<v Speaker 1>But it's not good if you know, if I were

0:14:12.440 --> 0:14:14.760
<v Speaker 1>to leave, or Tiffany you were to leave, and budget

0:14:14.800 --> 0:14:18.040
<v Speaker 1>nest would fall apart, or you know, my team falls apart.

0:14:18.080 --> 0:14:21.200
<v Speaker 1>And I really had to like force myself to shove

0:14:21.280 --> 0:14:24.760
<v Speaker 1>things off my plate and just fill everyone's plate around me.

0:14:24.880 --> 0:14:27.760
<v Speaker 1>And I feel like this is the first time I've

0:14:27.800 --> 0:14:30.640
<v Speaker 1>ever had to do that, and it was really freaking hard.

0:14:30.680 --> 0:14:32.680
<v Speaker 1>Took me like two weeks to get ready. But I

0:14:32.720 --> 0:14:34.880
<v Speaker 1>think the next time and the next time I want

0:14:34.920 --> 0:14:37.000
<v Speaker 1>to take time off, it's going to get easier and easier.

0:14:37.320 --> 0:14:39.360
<v Speaker 1>And then when I need to take maternity leave, you know,

0:14:39.840 --> 0:14:41.480
<v Speaker 1>I'm going to need to be able to do this.

0:14:41.560 --> 0:14:42.760
<v Speaker 1>So it's a good practice for me.

0:14:42.880 --> 0:14:45.240
<v Speaker 3>Yes, yeah, it's a crazy that we both kind of

0:14:45.240 --> 0:14:47.040
<v Speaker 3>went away at the same time, but you're right, and

0:14:47.680 --> 0:14:50.520
<v Speaker 3>it was a testament too, like I couldn't have I

0:14:50.560 --> 0:14:53.120
<v Speaker 3>couldn't have done this maybe like a year or so ago,

0:14:53.320 --> 0:14:56.520
<v Speaker 3>because I just was doing too much right because sometimes

0:14:57.080 --> 0:15:00.840
<v Speaker 3>you make yourself like I was the bottleneck, like things

0:15:00.920 --> 0:15:04.080
<v Speaker 3>had to everything had to flow through me every day,

0:15:04.160 --> 0:15:06.120
<v Speaker 3>you know, and I thought that I was like, you know,

0:15:06.400 --> 0:15:08.760
<v Speaker 3>this is I'm being a good boss or I'm being

0:15:08.760 --> 0:15:09.840
<v Speaker 3>a good business owner.

0:15:10.120 --> 0:15:11.280
<v Speaker 2>But I was holding things.

0:15:11.160 --> 0:15:14.000
<v Speaker 3>Up because if I didn't check off on things, they

0:15:14.120 --> 0:15:15.040
<v Speaker 3>it just stopped at me.

0:15:15.440 --> 0:15:18.160
<v Speaker 2>So I finally took myself out of a lot.

0:15:18.000 --> 0:15:22.000
<v Speaker 3>Of like the movement of the company and allowed people

0:15:22.040 --> 0:15:24.560
<v Speaker 3>to make decisions, you know, because I realized that like

0:15:24.600 --> 0:15:26.240
<v Speaker 3>some of it was like I didn't trust people to

0:15:26.280 --> 0:15:27.960
<v Speaker 3>make the right choices. So I was like, no, that

0:15:27.960 --> 0:15:29.640
<v Speaker 3>we have to get the right people, and so now

0:15:29.680 --> 0:15:32.680
<v Speaker 3>we've got amazing people and things don't have to flow

0:15:32.720 --> 0:15:35.880
<v Speaker 3>through me. I just trusted the don't make the right choices,

0:15:35.920 --> 0:15:37.960
<v Speaker 3>and even if they don't, they know that I'm here

0:15:38.000 --> 0:15:40.360
<v Speaker 3>for challenges and I'm here for mistakes because that's the

0:15:40.360 --> 0:15:41.080
<v Speaker 3>way that you learn.

0:15:41.120 --> 0:15:43.200
<v Speaker 2>And it's okay. As long as you My rule is

0:15:43.240 --> 0:15:44.960
<v Speaker 2>as long as you don't kill anybody, we're good.

0:15:45.720 --> 0:15:49.280
<v Speaker 3>They go like, literally, I'm like when someone says, oh,

0:15:49.280 --> 0:15:51.280
<v Speaker 3>my gods, should be that new thing that I said

0:15:51.320 --> 0:15:53.760
<v Speaker 3>I was gonna try on Facebook or whatever, it didn't work,

0:15:53.920 --> 0:15:54.960
<v Speaker 3>and I'm like, well, how many.

0:15:54.840 --> 0:15:56.280
<v Speaker 2>People died and they don't.

0:15:57.040 --> 0:15:59.960
<v Speaker 3>I'm like, well, girl, it's okay, it's okay.

0:16:00.000 --> 0:16:05.960
<v Speaker 2>Hey.

0:16:10.960 --> 0:16:14.880
<v Speaker 3>Yeah, So I'm excited to answer some question on you

0:16:14.920 --> 0:16:17.720
<v Speaker 3>guys are getting go getting better and better asking really

0:16:17.760 --> 0:16:21.320
<v Speaker 3>to a question, so bring them on mandra Where can.

0:16:21.160 --> 0:16:22.080
<v Speaker 2>I ask questions?

0:16:22.360 --> 0:16:25.720
<v Speaker 1>You can go to a brandabission podcast dot com and

0:16:25.800 --> 0:16:28.360
<v Speaker 1>click ask us anything at the top too, drop us

0:16:28.400 --> 0:16:30.680
<v Speaker 1>a question, or you can email us directly at Brondambis

0:16:30.800 --> 0:16:35.520
<v Speaker 1>podcast at gmail dot com. While you're at it, follow

0:16:35.600 --> 0:16:39.000
<v Speaker 1>us on Instagram at Brown Ambition Podcast or on Twitter

0:16:39.040 --> 0:16:40.080
<v Speaker 1>at the BA Podcast.

0:16:41.160 --> 0:16:41.800
<v Speaker 2>Yes, tweetus.

0:16:41.800 --> 0:16:44.240
<v Speaker 3>We haven't read your tweets in your your IG's in

0:16:44.240 --> 0:16:45.600
<v Speaker 3>a little bit, but we will. We're going to get

0:16:45.600 --> 0:16:46.920
<v Speaker 3>back to that, so you don't want to miss out.

0:16:47.680 --> 0:16:50.120
<v Speaker 1>So we have some really good questions in the inbox today.

0:16:50.240 --> 0:16:54.760
<v Speaker 1>I would love to start with UH. Listener Lashonte Leschante

0:16:54.880 --> 0:16:57.880
<v Speaker 1>says I recently started listening to the podcast and in

0:16:57.960 --> 0:17:01.760
<v Speaker 1>one you both mentioned Ally when talking about saving for

0:17:01.800 --> 0:17:04.000
<v Speaker 1>a down payment on your homes. My husband and I

0:17:04.040 --> 0:17:06.840
<v Speaker 1>are planning on saving eighty thousand dollars for a twenty

0:17:06.840 --> 0:17:09.840
<v Speaker 1>percent down payment on a home. Currently, we have fourteen

0:17:09.880 --> 0:17:12.840
<v Speaker 1>thousand saved in a regular savings account, which yields four

0:17:12.880 --> 0:17:15.600
<v Speaker 1>to five cents worth of interest per month. Oh girl,

0:17:16.119 --> 0:17:19.000
<v Speaker 1>So my question is will Ally be beneficial for building

0:17:19.040 --> 0:17:23.280
<v Speaker 1>more interest and how has your experience with Ally ben background.

0:17:23.280 --> 0:17:26.119
<v Speaker 1>We plan to have the money by October twenty nineteen

0:17:26.160 --> 0:17:29.080
<v Speaker 1>and we're saving about fifty seven hundred dollars a month.

0:17:30.200 --> 0:17:32.560
<v Speaker 1>Easy question. Get your money out of that bank right away,

0:17:33.200 --> 0:17:35.440
<v Speaker 1>and it doesn't have to be Ally, but just an

0:17:35.480 --> 0:17:39.359
<v Speaker 1>online savings account. There's a bunch out there, but Ally

0:17:39.440 --> 0:17:41.200
<v Speaker 1>is one of them that has a really good yield.

0:17:41.680 --> 0:17:44.320
<v Speaker 1>We both have used Ally and are happy with it, right,

0:17:45.040 --> 0:17:46.520
<v Speaker 1>m Do you.

0:17:46.440 --> 0:17:49.280
<v Speaker 3>Think that, like, if she, let's just say she's not

0:17:49.320 --> 0:17:50.840
<v Speaker 3>gonna need the money for six months, do you think

0:17:50.840 --> 0:17:53.560
<v Speaker 3>that maybe like even exploring a CD for like the

0:17:53.560 --> 0:17:55.040
<v Speaker 3>money that she does have saved so it can air

0:17:55.160 --> 0:17:55.840
<v Speaker 3>even more interest.

0:17:56.280 --> 0:17:59.240
<v Speaker 1>Yeah, for sure. I mean what these online banks, the

0:17:59.280 --> 0:18:01.040
<v Speaker 1>same ones that we would recommend you go to for

0:18:01.200 --> 0:18:04.719
<v Speaker 1>like a checking account, typically have really good CD yields

0:18:04.760 --> 0:18:07.120
<v Speaker 1>as well. And if you're really not planning on buying

0:18:07.119 --> 0:18:09.800
<v Speaker 1>a house until October next year, you could easily put

0:18:09.800 --> 0:18:13.280
<v Speaker 1>your money into a twelve month CD and then when

0:18:13.320 --> 0:18:16.639
<v Speaker 1>it matures next year, you will have earned more. The

0:18:16.720 --> 0:18:19.639
<v Speaker 1>thing is like, when you're saving, like right now, she

0:18:19.720 --> 0:18:21.600
<v Speaker 1>has fourteen thousand dollars, So what you could do is

0:18:21.640 --> 0:18:24.439
<v Speaker 1>take that fourteen thousand and I'm assuming this is just

0:18:24.520 --> 0:18:26.320
<v Speaker 1>your down payment money and that you have a little

0:18:26.359 --> 0:18:28.800
<v Speaker 1>bit of savings on the side for like emergencies. But

0:18:28.880 --> 0:18:31.359
<v Speaker 1>let's assume this fourteen gesu is just house money. You

0:18:31.440 --> 0:18:35.440
<v Speaker 1>could just put that money into a CD, a high

0:18:35.480 --> 0:18:39.760
<v Speaker 1>yield CD that's twelve months and that'll mature next what

0:18:39.880 --> 0:18:42.840
<v Speaker 1>is it now, October? Next early October, and then the

0:18:42.840 --> 0:18:45.560
<v Speaker 1>money that you're saving month to month, open up a

0:18:45.920 --> 0:18:48.080
<v Speaker 1>high yield savings account with the same bank or a

0:18:48.080 --> 0:18:51.000
<v Speaker 1>different bank, and just every month put the money in there.

0:18:51.560 --> 0:18:53.160
<v Speaker 2>Because now that's what I.

0:18:53.119 --> 0:18:55.560
<v Speaker 3>Was thinking, because I'm like, well, I think right now, ally,

0:18:56.080 --> 0:18:58.280
<v Speaker 3>I feel like I saw that their cd rabels like

0:18:58.720 --> 0:19:02.280
<v Speaker 3>two point one percent and I think they're savings account. Wait,

0:19:02.280 --> 0:19:04.439
<v Speaker 3>it's like one point eight seven or one point eight

0:19:04.520 --> 0:19:07.399
<v Speaker 3>five something like that. So yeah, I think that's the

0:19:07.520 --> 0:19:09.320
<v Speaker 3>that's the best course of action. If you're not touching

0:19:09.320 --> 0:19:11.359
<v Speaker 3>your money for a while, lock it away to the CD.

0:19:11.880 --> 0:19:14.560
<v Speaker 3>And I think they even I feel like I saw

0:19:14.600 --> 0:19:16.520
<v Speaker 3>because I logged in today that they even have a

0:19:16.560 --> 0:19:19.240
<v Speaker 3>no punishment CD where you had to take your money

0:19:19.400 --> 0:19:21.360
<v Speaker 3>out that you know, because normally you have to pay

0:19:21.359 --> 0:19:22.879
<v Speaker 3>like a fee if you take your money out early.

0:19:23.359 --> 0:19:25.600
<v Speaker 3>So but yeah, I mean, I you know, start with

0:19:25.640 --> 0:19:27.399
<v Speaker 3>the ally, but honestly too, Like that's why I love

0:19:27.440 --> 0:19:31.520
<v Speaker 3>sites like Magnified Money, because you can you can It's

0:19:31.560 --> 0:19:34.000
<v Speaker 3>like the Trip Advisor of finance.

0:19:34.160 --> 0:19:37.440
<v Speaker 1>You know, you can thank you for the same probo.

0:19:38.640 --> 0:19:39.680
<v Speaker 2>Where you can kind of compare.

0:19:39.760 --> 0:19:41.640
<v Speaker 3>I mean, I still, honestly I still use magnified money

0:19:41.680 --> 0:19:43.800
<v Speaker 3>where you can go and kind of compare the sea. Well,

0:19:44.480 --> 0:19:46.760
<v Speaker 3>what other CDs are out there, what other bank accounts

0:19:46.800 --> 0:19:49.119
<v Speaker 3>are out there? But yes, Mandy and I do definitely

0:19:49.200 --> 0:19:51.000
<v Speaker 3>like ally, but they're not the only ones out there.

0:19:51.280 --> 0:19:53.439
<v Speaker 1>Yeah, I think my little brother has the Marcus or

0:19:53.480 --> 0:19:56.320
<v Speaker 1>no as Marcus. Yeah, Goldman Sachs has an account called Marcus.

0:19:56.359 --> 0:19:59.680
<v Speaker 1>There's Charles Schwab has a high yeal checking Synchrony Bank.

0:19:59.680 --> 0:20:02.879
<v Speaker 1>Because hy old checking, you can even check your local

0:20:02.880 --> 0:20:05.800
<v Speaker 1>credit unions. But for sure, you need to get that

0:20:05.840 --> 0:20:09.160
<v Speaker 1>money out of that out of that little I'm guessing

0:20:09.200 --> 0:20:13.880
<v Speaker 1>that's like a point one percent interest account. That's yikes. Yeah,

0:20:13.960 --> 0:20:16.120
<v Speaker 1>get it out of there. You have a year, put

0:20:16.119 --> 0:20:18.080
<v Speaker 1>it away in hy old savings, and you'll be at

0:20:18.160 --> 0:20:19.960
<v Speaker 1>least you'll make a little bit of money on the

0:20:20.000 --> 0:20:20.760
<v Speaker 1>money that you're saving.

0:20:21.520 --> 0:20:22.000
<v Speaker 2>Exactly.

0:20:22.800 --> 0:20:24.280
<v Speaker 1>Awesome. Thanks for your question.

0:20:27.840 --> 0:20:32.920
<v Speaker 2>Next question, tell me the words. I'm never going to

0:20:33.119 --> 0:20:33.480
<v Speaker 2>the words.

0:20:33.880 --> 0:20:36.800
<v Speaker 1>I mean, that was some of them, So that's good.

0:20:36.840 --> 0:20:39.280
<v Speaker 1>A few words is better than done. All right, So

0:20:39.359 --> 0:20:41.200
<v Speaker 1>this is OH, here's from Oh. This is a question

0:20:41.240 --> 0:20:42.840
<v Speaker 1>from a teacher. I think teachers have four oh and

0:20:42.880 --> 0:20:45.600
<v Speaker 1>three four O three B savings? Right?

0:20:45.680 --> 0:20:46.600
<v Speaker 2>Okay?

0:20:46.680 --> 0:20:50.199
<v Speaker 1>Typically this comes from listener ready to roll over? Love it?

0:20:50.960 --> 0:20:53.240
<v Speaker 1>She says, I want to remain anonymous. I recently got

0:20:53.280 --> 0:20:56.000
<v Speaker 1>a new job, and they match up to six percent

0:20:56.080 --> 0:20:59.159
<v Speaker 1>of my contributions to my four O three B. I

0:20:59.200 --> 0:21:01.960
<v Speaker 1>want to roll over about thirty thousand dollars from an

0:21:01.960 --> 0:21:05.399
<v Speaker 1>old TIAA bank for a three B to the my

0:21:05.520 --> 0:21:08.400
<v Speaker 1>new four or three B at my new job. Both

0:21:08.400 --> 0:21:11.320
<v Speaker 1>of these employers are universities. Oh yeah, okay, so she

0:21:11.440 --> 0:21:14.000
<v Speaker 1>is a teacher. Will they match the thirty thousand dollars

0:21:14.080 --> 0:21:16.359
<v Speaker 1>I roll over or will they only match what I

0:21:16.400 --> 0:21:19.720
<v Speaker 1>contribute through the payroll deduction? That's part one of question.

0:21:19.800 --> 0:21:29.320
<v Speaker 1>I'll stop there. You wish, sorry.

0:21:27.960 --> 0:21:29.480
<v Speaker 2>We would all be working at your place.

0:21:31.800 --> 0:21:32.960
<v Speaker 1>That would be a nice incentive.

0:21:33.960 --> 0:21:36.960
<v Speaker 3>I know they will not mask that. It's only what

0:21:37.200 --> 0:21:41.639
<v Speaker 3>you say from working with them. So that's one and two.

0:21:42.400 --> 0:21:44.480
<v Speaker 3>Maybe I mean I'm almost positively like. You can't really

0:21:44.600 --> 0:21:47.600
<v Speaker 3>roll over to another you have to Typically you have

0:21:47.640 --> 0:21:50.800
<v Speaker 3>to roll over to an outside source, not to like.

0:21:51.280 --> 0:21:51.919
<v Speaker 2>I don't know if for.

0:21:52.040 --> 0:21:53.920
<v Speaker 3>Three b's are different, but that's when outside not for

0:21:54.000 --> 0:21:59.120
<v Speaker 3>the to your current jobs four one K or retirement plan,

0:21:59.200 --> 0:22:00.640
<v Speaker 3>meaning like I worked.

0:22:00.400 --> 0:22:02.600
<v Speaker 2>At Target, now I'm working on Lawmart.

0:22:02.840 --> 0:22:06.960
<v Speaker 3>But my Target money can't go to my Walmart retirement account. Instead,

0:22:07.000 --> 0:22:10.359
<v Speaker 3>I have to open up an outside independent retirement house,

0:22:10.520 --> 0:22:13.600
<v Speaker 3>and all of my any company that w was outside

0:22:13.600 --> 0:22:16.080
<v Speaker 3>of that, I can roll over to this outside independent account.

0:22:16.200 --> 0:22:17.439
<v Speaker 3>I don't know if it's different be four and three

0:22:17.480 --> 0:22:20.480
<v Speaker 3>b's or what company they use, is they'll take it,

0:22:20.520 --> 0:22:23.600
<v Speaker 3>but I'm almost positive you typically can't go. You can't

0:22:23.640 --> 0:22:26.200
<v Speaker 3>take like one company's money and give it to another company.

0:22:26.720 --> 0:22:30.160
<v Speaker 1>No, you can, though, because I've done that. I've switched jobs. Yeah,

0:22:30.240 --> 0:22:32.639
<v Speaker 1>I've switched from Business Insider to Yahoo. I did a

0:22:32.720 --> 0:22:35.960
<v Speaker 1>rollover and we had a td ameri trade. I remember

0:22:35.960 --> 0:22:37.840
<v Speaker 1>I had a td Ameritrade four oh one K when

0:22:37.840 --> 0:22:39.720
<v Speaker 1>I was at Business Insider, and then I switched to

0:22:39.800 --> 0:22:42.560
<v Speaker 1>Yahoo and I rolled over my little my little money

0:22:42.600 --> 0:22:44.520
<v Speaker 1>that I had saved up, my little coins over into

0:22:44.680 --> 0:22:50.480
<v Speaker 1>the Vanguard, the Vanguard account. And I don't remember exactly,

0:22:51.680 --> 0:22:54.359
<v Speaker 1>I definitely know I could. Whether or not I had

0:22:54.440 --> 0:22:59.360
<v Speaker 1>to open up a separate IRA outside of my Yahoo money,

0:22:59.359 --> 0:23:02.320
<v Speaker 1>I don't remember, but I do know. Most recently, when

0:23:02.440 --> 0:23:06.480
<v Speaker 1>Magnify money was acquired our new parent company. I was

0:23:06.560 --> 0:23:09.119
<v Speaker 1>able to roll over the money I had saved in

0:23:09.280 --> 0:23:12.480
<v Speaker 1>my Magnified money for a one K into the new

0:23:13.040 --> 0:23:15.280
<v Speaker 1>parent companies four A one K, which was a different

0:23:15.680 --> 0:23:18.119
<v Speaker 1>We went from ubiquity. Yeah, we went from ubiquity to

0:23:18.880 --> 0:23:23.119
<v Speaker 1>principal retirement and I was able to. So yeah, you're

0:23:23.160 --> 0:23:27.680
<v Speaker 1>able to. Definitely, Definitely you don't have to do, you know,

0:23:27.840 --> 0:23:29.960
<v Speaker 1>if you wanted to, Like that's that's the next part

0:23:30.000 --> 0:23:32.320
<v Speaker 1>of her question is we can talk about do you

0:23:32.400 --> 0:23:34.160
<v Speaker 1>should you you know, do you have to roll over

0:23:34.280 --> 0:23:36.320
<v Speaker 1>to your employers for a one K or four oh

0:23:36.359 --> 0:23:38.680
<v Speaker 1>three B? She says her next question is should I

0:23:38.720 --> 0:23:41.639
<v Speaker 1>automatically roll over my old four three B into the

0:23:41.680 --> 0:23:44.480
<v Speaker 1>new four or three B? Or should I compare the performance? First,

0:23:45.280 --> 0:23:47.320
<v Speaker 1>I'm worried that my old four oh three B might

0:23:47.400 --> 0:23:50.959
<v Speaker 1>outperform my employers for oh three B. So that kind

0:23:50.960 --> 0:23:52.920
<v Speaker 1>of gets to the question do you have to roll

0:23:52.960 --> 0:23:56.200
<v Speaker 1>over into your new employer's retirement account. You don't have to.

0:23:56.320 --> 0:23:59.240
<v Speaker 1>You could do a Tiffany talked about, which is just

0:23:59.320 --> 0:24:02.840
<v Speaker 1>open your own outside I ray and roll the money

0:24:02.920 --> 0:24:05.520
<v Speaker 1>over into that account. And what you the only reason

0:24:05.600 --> 0:24:07.159
<v Speaker 1>you want to do. That is maybe if one you're

0:24:07.200 --> 0:24:11.000
<v Speaker 1>not getting a match, or two if you just don't

0:24:11.080 --> 0:24:15.000
<v Speaker 1>like the the investment options that you have at your

0:24:15.080 --> 0:24:15.960
<v Speaker 1>new employer, spank.

0:24:16.040 --> 0:24:18.359
<v Speaker 3>Sometimes people will tell you because it depends, like sometimes

0:24:18.560 --> 0:24:20.199
<v Speaker 3>let's just say you hop from place to place too,

0:24:20.760 --> 0:24:24.000
<v Speaker 3>if you like, keeping track of multiple accounts can be difficult.

0:24:24.000 --> 0:24:26.280
<v Speaker 3>That's typically why people tell you to roll over so

0:24:26.440 --> 0:24:28.440
<v Speaker 3>that way you don't have to, like, you know, let's

0:24:28.480 --> 0:24:30.040
<v Speaker 3>just say five years from now, you work for another

0:24:30.160 --> 0:24:34.480
<v Speaker 3>university and now you have three three retirement accounts, so

0:24:34.840 --> 0:24:38.040
<v Speaker 3>combining them can can just be for ease of use

0:24:38.160 --> 0:24:41.119
<v Speaker 3>to to make sure. But I mean, I guess the

0:24:41.160 --> 0:24:43.240
<v Speaker 3>assumption I'm not sure where she has her money. But

0:24:43.880 --> 0:24:46.800
<v Speaker 3>let's just say, like you put like a target date fund,

0:24:46.880 --> 0:24:49.560
<v Speaker 3>like I'm going to retire at sixty five, and then

0:24:49.680 --> 0:24:52.240
<v Speaker 3>your money is like allocated in such a way that

0:24:52.359 --> 0:24:54.840
<v Speaker 3>it's going to balance itself that every year with the

0:24:54.920 --> 0:24:57.920
<v Speaker 3>target date of having a certain amount of money in

0:24:58.000 --> 0:25:00.639
<v Speaker 3>your retirement account by sixty five. So I don't know,

0:25:00.720 --> 0:25:04.720
<v Speaker 3>I never thought about that because I always just so

0:25:05.119 --> 0:25:07.680
<v Speaker 3>you know what, I'm going to take my account with

0:25:07.920 --> 0:25:11.960
<v Speaker 3>me because my worry is, like even today Superman said,

0:25:11.960 --> 0:25:12.920
<v Speaker 3>it's not even to happen to you.

0:25:13.400 --> 0:25:16.240
<v Speaker 2>What would I do about your companies? So having them

0:25:16.760 --> 0:25:20.399
<v Speaker 2>in one space to make it easy for should something happen,

0:25:20.920 --> 0:25:21.480
<v Speaker 2>to make.

0:25:21.359 --> 0:25:23.280
<v Speaker 3>It easy for myself to figure out where my money is,

0:25:23.320 --> 0:25:25.639
<v Speaker 3>and make it easy for the people that are my

0:25:25.920 --> 0:25:27.960
<v Speaker 3>my beneficiary to figure out where the money is.

0:25:29.600 --> 0:25:31.000
<v Speaker 2>So I mean, but it's up to you, though you

0:25:31.040 --> 0:25:33.000
<v Speaker 2>don't you don't have to roll it over. But like

0:25:33.080 --> 0:25:34.800
<v Speaker 2>I also don't think it's necessarily a good idea to

0:25:34.840 --> 0:25:36.400
<v Speaker 2>have a ton of accounts floating out there.

0:25:37.320 --> 0:25:38.720
<v Speaker 1>Yeah, I mean, unless you're going to write them down

0:25:38.720 --> 0:25:41.360
<v Speaker 1>and remember them. I tend I've been rolling mine over.

0:25:41.920 --> 0:25:44.440
<v Speaker 1>But I would say, certainly you can do whatever you

0:25:44.480 --> 0:25:46.320
<v Speaker 1>want with your old account. I mean, you have the

0:25:46.400 --> 0:25:47.800
<v Speaker 1>money there. They're not going to match it if you

0:25:47.920 --> 0:25:50.320
<v Speaker 1>roll it over. So you could roll it into a

0:25:50.560 --> 0:25:53.640
<v Speaker 1>you know, an outside retirement fund at a different bank

0:25:53.680 --> 0:25:55.480
<v Speaker 1>if you want it with better investment options, and that

0:25:55.600 --> 0:25:57.719
<v Speaker 1>maybe you know, if you think you're going to hop

0:25:57.760 --> 0:25:59.560
<v Speaker 1>around at future, you know, from job to job in

0:25:59.600 --> 0:26:00.920
<v Speaker 1>the future, you might just want to have it in

0:26:01.000 --> 0:26:05.320
<v Speaker 1>one place. But definitely everything that you're investing moving forward,

0:26:05.480 --> 0:26:07.600
<v Speaker 1>go ahead and put it in your employer's account, because

0:26:07.640 --> 0:26:09.680
<v Speaker 1>six percent matching is pretty dope.

0:26:10.359 --> 0:26:13.520
<v Speaker 2>What it is? Pretty dope. That's a really good matching program.

0:26:13.960 --> 0:26:15.320
<v Speaker 1>Yeah, take advantage for sure.

0:26:15.720 --> 0:26:19.320
<v Speaker 2>Question how we gonna I don't know, just next question.

0:26:19.440 --> 0:26:21.320
<v Speaker 1>I mean, if you keep trying. I don't know if

0:26:21.359 --> 0:26:23.359
<v Speaker 1>you've like done research, but it's not gonna get better

0:26:23.680 --> 0:26:25.479
<v Speaker 1>until you look up the lyrics.

0:26:27.160 --> 0:26:28.560
<v Speaker 2>I'm gonna listen to the YouTube.

0:26:28.760 --> 0:26:31.680
<v Speaker 3>I'm gonna watch it, and I'm gonna at least get

0:26:31.720 --> 0:26:33.600
<v Speaker 3>the dish like this this thing called rap Genius, I

0:26:33.640 --> 0:26:35.879
<v Speaker 3>think it's called or whatever, but you can get the lyrics,

0:26:35.920 --> 0:26:38.960
<v Speaker 3>and so I am going to I'm gonna I'm gonna

0:26:39.000 --> 0:26:41.000
<v Speaker 3>have some at least the first line, at least that

0:26:41.119 --> 0:26:41.640
<v Speaker 3>first line.

0:26:41.880 --> 0:26:47.000
<v Speaker 1>Yeah, okay, next time, all right, Another anonymous question. So

0:26:47.240 --> 0:26:51.479
<v Speaker 1>this comes from listener, Oh anonymous anonymous, let's call her

0:26:52.280 --> 0:26:56.000
<v Speaker 1>debt Diva. She says, I'm a recent college graduate. I

0:26:56.080 --> 0:26:58.520
<v Speaker 1>have been so reckless with my credit cards in college.

0:26:58.600 --> 0:27:00.960
<v Speaker 1>I think I got too excited when I turn eighteen

0:27:01.080 --> 0:27:04.159
<v Speaker 1>and wrongly believed in unlimited money. I now owe a

0:27:04.200 --> 0:27:06.200
<v Speaker 1>lot of money in credit card debt and student loans,

0:27:06.240 --> 0:27:10.320
<v Speaker 1>about seventeen thousand dollars in consumer debt and twenty five

0:27:10.400 --> 0:27:13.679
<v Speaker 1>thousand dollars in student loans. I freeze my credit account

0:27:13.720 --> 0:27:15.960
<v Speaker 1>and I'm working to pay off my debt. I have

0:27:16.119 --> 0:27:18.679
<v Speaker 1>a job, but I only make thirty five thousand dollars

0:27:18.720 --> 0:27:20.640
<v Speaker 1>per year, and I feel like most of my money

0:27:20.720 --> 0:27:23.800
<v Speaker 1>is going to bills. I am just exhausted from paying

0:27:23.880 --> 0:27:26.200
<v Speaker 1>all this amount, and I honestly have learned my lesson.

0:27:26.600 --> 0:27:29.080
<v Speaker 1>I've thought about filing for bankruptcy, but I believe that

0:27:29.200 --> 0:27:32.280
<v Speaker 1>this much debt is not worth filing bankruptcy over. Please

0:27:32.359 --> 0:27:34.119
<v Speaker 1>please help me. Do you have any tips on how

0:27:34.200 --> 0:27:39.440
<v Speaker 1>I can pay off this debt? That's a lot of

0:27:39.720 --> 0:27:42.639
<v Speaker 1>consumer It's like credit card debt seventeen thousand dollars, a

0:27:42.720 --> 0:27:44.720
<v Speaker 1>student loan debt twenty five thousand dollars. I'm not like

0:27:44.760 --> 0:27:49.240
<v Speaker 1>afraid by That's normal ish, that's doable. You know, you're young,

0:27:49.359 --> 0:27:50.400
<v Speaker 1>you have years to pay it off.

0:27:50.440 --> 0:27:50.760
<v Speaker 3>You will.

0:27:51.040 --> 0:27:53.879
<v Speaker 1>But seventeen g's and credit card debt, and if that's

0:27:54.000 --> 0:27:57.640
<v Speaker 1>interest accrewing every month, I mean, that's not a good book.

0:27:58.119 --> 0:27:59.960
<v Speaker 2>And I'm gonna lie. I was one point thirty five

0:28:00.080 --> 0:28:01.639
<v Speaker 2>thousand dollars in credit card dad, So.

0:28:01.640 --> 0:28:05.480
<v Speaker 1>I'm like, okay, look at that now.

0:28:05.880 --> 0:28:09.439
<v Speaker 3>So I'll tell you what I did to get rid

0:28:09.480 --> 0:28:12.000
<v Speaker 3>of the the thirty five thousand dollars in credit card

0:28:12.080 --> 0:28:12.600
<v Speaker 3>dad were one.

0:28:13.440 --> 0:28:15.280
<v Speaker 2>I had to put the cards down because I was

0:28:15.280 --> 0:28:17.720
<v Speaker 2>still digging, so I was still swiping. I was in

0:28:17.840 --> 0:28:20.399
<v Speaker 2>a ditch and I was still digging. So my shovel

0:28:20.480 --> 0:28:21.120
<v Speaker 2>was my credit card.

0:28:21.160 --> 0:28:23.320
<v Speaker 3>So I literally I was like, I literally remember looking

0:28:23.320 --> 0:28:26.120
<v Speaker 3>in the mirror and doing the jersey clap like Tiffany,

0:28:26.920 --> 0:28:28.760
<v Speaker 3>you know, that's like the pisted off jersey girl clap.

0:28:29.240 --> 0:28:31.920
<v Speaker 2>And I was like, honestly, what are we doing? Put

0:28:32.000 --> 0:28:34.680
<v Speaker 2>the card down? And so I put it down.

0:28:34.760 --> 0:28:36.399
<v Speaker 3>I either cut it up or hit it for myself,

0:28:36.480 --> 0:28:39.080
<v Speaker 3>and I said, okay, so at least, now moving forward,

0:28:39.360 --> 0:28:41.000
<v Speaker 3>we're not adding on to.

0:28:41.080 --> 0:28:42.960
<v Speaker 2>The debt that you have. So that was one.

0:28:43.800 --> 0:28:46.320
<v Speaker 3>And then too I looked and like, I can't remember.

0:28:46.800 --> 0:28:50.040
<v Speaker 3>I feel like my credit score wasn't wasn't terrible at

0:28:50.080 --> 0:28:50.440
<v Speaker 3>that time.

0:28:50.920 --> 0:28:53.280
<v Speaker 2>So what I did do is I at least with

0:28:53.840 --> 0:28:54.400
<v Speaker 2>I don't know how.

0:28:54.320 --> 0:28:55.880
<v Speaker 3>Much it was, maybe with like five or six thousand

0:28:55.920 --> 0:28:57.920
<v Speaker 3>dollars of the debt I was able to roll over

0:28:58.120 --> 0:29:00.480
<v Speaker 3>to a balance transfer. I actually went to act my money,

0:29:00.840 --> 0:29:03.160
<v Speaker 3>found a car and a balance transfer card and transferred

0:29:03.200 --> 0:29:05.600
<v Speaker 3>over as much as they would allow, like I think

0:29:05.640 --> 0:29:07.160
<v Speaker 3>it was like five or six thousand.

0:29:07.240 --> 0:29:08.360
<v Speaker 2>So I transferred that over.

0:29:08.680 --> 0:29:12.600
<v Speaker 3>And I started the Snowball method of paying down the

0:29:12.760 --> 0:29:16.600
<v Speaker 3>debt systematically because that help, and I automated it, and

0:29:16.720 --> 0:29:17.880
<v Speaker 3>so every month I would look at it.

0:29:17.920 --> 0:29:20.080
<v Speaker 2>But I was just automating. So if you don't know,

0:29:20.320 --> 0:29:21.960
<v Speaker 2>just google the snowball method.

0:29:22.040 --> 0:29:25.520
<v Speaker 3>But a balanced transfer paying down the debt automatically, and

0:29:25.560 --> 0:29:27.000
<v Speaker 3>you know, it really helped me. Any that were like

0:29:27.280 --> 0:29:29.280
<v Speaker 3>kind of helped to the turbo boost it. I did

0:29:29.320 --> 0:29:32.520
<v Speaker 3>this thing called unexpected money, and I call it you

0:29:32.680 --> 0:29:35.360
<v Speaker 3>U whim. So what unexpected money is any money that

0:29:35.440 --> 0:29:38.920
<v Speaker 3>I got that wasn't from like my normal pay so

0:29:39.080 --> 0:29:40.640
<v Speaker 3>that like, so my sister at least that pays me

0:29:40.680 --> 0:29:43.240
<v Speaker 3>back twenty bucks, she owes me. Who knew because least

0:29:43.240 --> 0:29:45.680
<v Speaker 3>don't pay back, you know, or like Grandma gives you,

0:29:45.840 --> 0:29:48.480
<v Speaker 3>you know, fifty bucks for your birthday or Christmas or whatever,

0:29:48.680 --> 0:29:51.640
<v Speaker 3>so money that's outside of your normal income. Or even better,

0:29:51.760 --> 0:29:54.480
<v Speaker 3>let's just say you're at Target and you're you're buying

0:29:54.560 --> 0:29:57.480
<v Speaker 3>a dress and it's twenty five dollars and they were like, oh,

0:29:57.680 --> 0:30:00.600
<v Speaker 3>it's you know, fifty percent off, so it's you know,

0:30:00.720 --> 0:30:04.120
<v Speaker 3>twelve dollars twelve fifty or whatever. So that extra twelve

0:30:04.160 --> 0:30:05.719
<v Speaker 3>fifty that you were going to spend anyway, or your

0:30:05.760 --> 0:30:07.800
<v Speaker 3>friend treats you to brunch and you were expecting to

0:30:07.840 --> 0:30:09.840
<v Speaker 3>pay thirty dollars, that thirty dollars that you were going

0:30:09.920 --> 0:30:13.280
<v Speaker 3>to spend. From my phone, I used to transfer that money,

0:30:13.320 --> 0:30:16.840
<v Speaker 3>that unexpected money, directly to whatever debt I was working.

0:30:16.600 --> 0:30:19.400
<v Speaker 2>On, because with the snowball men, you really focused on one.

0:30:19.720 --> 0:30:23.360
<v Speaker 3>Card at a time, so I could like transfer, like

0:30:23.480 --> 0:30:25.560
<v Speaker 3>in a month, I might transfer an extra one hundred

0:30:25.600 --> 0:30:28.400
<v Speaker 3>and fifty two hundred dollars from my sister Lisa and grandma,

0:30:28.840 --> 0:30:31.120
<v Speaker 3>you know, the target dress was on sale. My friend

0:30:31.160 --> 0:30:32.920
<v Speaker 3>treated me to lunch even though I was going to pay,

0:30:33.440 --> 0:30:35.880
<v Speaker 3>and that really helped to pay down that debt so

0:30:36.000 --> 0:30:39.120
<v Speaker 3>much faster. So I think that's what I did. And

0:30:39.200 --> 0:30:41.560
<v Speaker 3>it took me about two and a half years to

0:30:41.600 --> 0:30:43.360
<v Speaker 3>pay down to thirty five thousand dollars worth of debt.

0:30:44.120 --> 0:30:45.960
<v Speaker 3>But when it was gone, you know I could, I

0:30:46.000 --> 0:30:49.840
<v Speaker 3>could have wept tears of joy, but and it wasn't easy,

0:30:50.280 --> 0:30:52.960
<v Speaker 3>but it was so worth it. Now since then I

0:30:53.080 --> 0:30:55.920
<v Speaker 3>have not had because before that I never had credit

0:30:55.960 --> 0:30:57.600
<v Speaker 3>card debt goal for the month and a month, and

0:30:58.000 --> 0:30:59.400
<v Speaker 3>now I stopped.

0:30:59.440 --> 0:31:02.400
<v Speaker 2>That was maybe three or four years ago, I guess,

0:31:02.720 --> 0:31:04.360
<v Speaker 2>And so I don't like. I pay off my.

0:31:04.440 --> 0:31:07.000
<v Speaker 3>Credit card debt every single month in full since then.

0:31:07.920 --> 0:31:11.520
<v Speaker 3>And so so it's possible despite having own a lot.

0:31:12.400 --> 0:31:15.360
<v Speaker 2>It's just about creating a system. If you can automate it,

0:31:15.440 --> 0:31:17.480
<v Speaker 2>that's even better, and sticking to it.

0:31:18.000 --> 0:31:19.600
<v Speaker 3>And you know, and like I said, doing that little

0:31:19.640 --> 0:31:23.600
<v Speaker 3>sheet sheet of unexpected money that helps too, for sure.

0:31:23.920 --> 0:31:25.840
<v Speaker 2>So good luck to you, Anonymous.

0:31:26.160 --> 0:31:30.680
<v Speaker 1>Thank you for your question. We called her dead diva diva. Ooh,

0:31:30.720 --> 0:31:33.560
<v Speaker 1>we got another question. I love a good awkward family

0:31:34.040 --> 0:31:38.000
<v Speaker 1>situation finance question. So let's say this person's name is

0:31:38.080 --> 0:31:43.800
<v Speaker 1>Furniture Freeda. Okay, Furniture Freeda says, I recently purchased a

0:31:43.840 --> 0:31:46.320
<v Speaker 1>house and for my birthday, my mother wanted to give

0:31:46.400 --> 0:31:48.480
<v Speaker 1>me either a dining set or a living room set

0:31:48.520 --> 0:31:50.760
<v Speaker 1>for the house. I was avoiding her doing this, but

0:31:50.840 --> 0:31:53.120
<v Speaker 1>she insisted that we went to the store picked that

0:31:53.200 --> 0:31:55.840
<v Speaker 1>we've wanted, and when we got to the register, they

0:31:55.880 --> 0:31:58.160
<v Speaker 1>of course asked if we had a store card, which

0:31:58.200 --> 0:32:01.200
<v Speaker 1>we didn't. They mentioned getting ten per off if we applied.

0:32:01.760 --> 0:32:04.320
<v Speaker 1>My mom doesn't have the best credit, so she insisted

0:32:04.360 --> 0:32:06.480
<v Speaker 1>that I apply to get the ten percent off and

0:32:08.560 --> 0:32:13.800
<v Speaker 1>just say and I applied to get the ten percent

0:32:13.880 --> 0:32:16.360
<v Speaker 1>off and she would pay for the card. I was

0:32:16.440 --> 0:32:18.479
<v Speaker 1>really taken aback with this because I thought she had

0:32:18.520 --> 0:32:21.360
<v Speaker 1>the cash to buy the stuff. But against my better judgment,

0:32:21.440 --> 0:32:23.640
<v Speaker 1>I got the card. We all know this is going

0:32:24.080 --> 0:32:25.880
<v Speaker 1>She gave me three hundred bucks the next day, but

0:32:26.040 --> 0:32:28.360
<v Speaker 1>still has fourteen hundred dollars to pay.

0:32:28.680 --> 0:32:29.600
<v Speaker 2>Oh my god.

0:32:30.040 --> 0:32:32.080
<v Speaker 1>We got into a fight a few days after this,

0:32:32.240 --> 0:32:34.400
<v Speaker 1>and I decided not to have her pay the rest.

0:32:34.880 --> 0:32:36.840
<v Speaker 1>She told me not to tell my husband about the

0:32:36.880 --> 0:32:39.440
<v Speaker 1>store cards, so I never did. Now I have to

0:32:39.480 --> 0:32:41.640
<v Speaker 1>tell my husband about the store card because I can't

0:32:41.680 --> 0:32:46.320
<v Speaker 1>sneak away and pay fourteen hundred dollars without him knowing.

0:32:47.200 --> 0:32:49.360
<v Speaker 1>So I guess the question is, what do you think?

0:32:49.600 --> 0:32:51.840
<v Speaker 1>The interest rate on the card is like twenty four

0:32:51.920 --> 0:32:55.120
<v Speaker 1>point nine to nine percent, So basically, if we don't

0:32:55.160 --> 0:32:56.640
<v Speaker 1>pay it off, we will end up paying more in

0:32:56.720 --> 0:32:58.040
<v Speaker 1>interest than the ten percent is worth.

0:32:58.200 --> 0:32:58.400
<v Speaker 2>Yeah.

0:32:58.760 --> 0:33:01.560
<v Speaker 1>I hope this happened like yesterday because if I don't

0:33:01.600 --> 0:33:03.840
<v Speaker 1>know when they got this email. But oh god, okay,

0:33:04.160 --> 0:33:06.360
<v Speaker 1>she says, but we also have a very tight budget

0:33:06.400 --> 0:33:08.200
<v Speaker 1>and have a Low's card to pay off by the

0:33:08.360 --> 0:33:11.840
<v Speaker 1>end of November. So she's got fourteen hundred dollars on

0:33:11.960 --> 0:33:15.640
<v Speaker 1>a twenty five percent APR card. She has gotten up

0:33:15.640 --> 0:33:18.239
<v Speaker 1>by with her mother, and she let her ego get

0:33:18.280 --> 0:33:19.680
<v Speaker 1>in the way a little bit and said, I don't

0:33:19.680 --> 0:33:20.280
<v Speaker 1>want your money.

0:33:20.640 --> 0:33:23.440
<v Speaker 2>Those of you listening, this is why I say store

0:33:23.440 --> 0:33:24.280
<v Speaker 2>a card to the devil.

0:33:24.600 --> 0:33:27.480
<v Speaker 1>The devil, the devil, wow, I mean.

0:33:28.840 --> 0:33:33.400
<v Speaker 3>Because twenty four percent, that means about every dollar that

0:33:33.560 --> 0:33:35.920
<v Speaker 3>you give them. They take a corner out and say,

0:33:36.040 --> 0:33:40.000
<v Speaker 3>for me, it's crazy, like that's a loan shark rate,

0:33:40.200 --> 0:33:43.160
<v Speaker 3>you know. And so yeah, if it's soon, I would

0:33:43.200 --> 0:33:46.440
<v Speaker 3>turn that dag on furniture or you put your money

0:33:46.640 --> 0:33:47.680
<v Speaker 3>mother back on that payment plany.

0:33:47.680 --> 0:33:49.000
<v Speaker 2>I mean, you're gonna have tell you how annemies And

0:33:49.040 --> 0:33:50.160
<v Speaker 2>that's a lot of money with gardens.

0:33:50.640 --> 0:33:53.240
<v Speaker 1>And but the thing is like, if if her mother

0:33:53.360 --> 0:33:55.480
<v Speaker 1>didn't have the money that day to pay off the card,

0:33:55.560 --> 0:33:58.400
<v Speaker 1>she never should have applied for it, because you're always

0:33:58.480 --> 0:34:00.480
<v Speaker 1>gonna walk away spending more than you would have saved

0:34:00.480 --> 0:34:02.360
<v Speaker 1>with a ten percent like the first month that you

0:34:02.480 --> 0:34:05.080
<v Speaker 1>let the balance stay on the card like that should

0:34:05.120 --> 0:34:08.160
<v Speaker 1>never have happened. That's that's what people don't compute. They think, oh,

0:34:08.160 --> 0:34:10.520
<v Speaker 1>I'm gonna save something, but unless you have the cash

0:34:10.600 --> 0:34:12.640
<v Speaker 1>right away, then that's not a deal. That's like a

0:34:13.000 --> 0:34:13.640
<v Speaker 1>death sentence.

0:34:13.800 --> 0:34:14.000
<v Speaker 2>Yeah.

0:34:14.600 --> 0:34:16.640
<v Speaker 3>Yeah, and know this for people listening, that it's not

0:34:16.719 --> 0:34:19.200
<v Speaker 3>a gift if there's payments happening. He did like when

0:34:19.239 --> 0:34:21.680
<v Speaker 3>someone says, oh, like like I remember one year, my

0:34:21.800 --> 0:34:25.080
<v Speaker 3>dad got my mom a car, but he went to

0:34:25.160 --> 0:34:26.879
<v Speaker 3>the auction and he saved that he bought a cash

0:34:27.480 --> 0:34:30.040
<v Speaker 3>if he would have gotten her car, and then there's payments,

0:34:30.120 --> 0:34:32.320
<v Speaker 3>It's like, that's not really a gift. But you know

0:34:32.400 --> 0:34:35.800
<v Speaker 3>when I hear to make you feel bad, furniture freeda

0:34:35.960 --> 0:34:37.120
<v Speaker 3>because we are all made mistake.

0:34:37.200 --> 0:34:41.680
<v Speaker 2>Lord, no, I still make mistakes. I feel like furniture freeda.

0:34:41.960 --> 0:34:44.239
<v Speaker 3>This is just a good lesson, like moving forward, that

0:34:44.480 --> 0:34:47.080
<v Speaker 3>having a rule, because there's nothing worse than kind of

0:34:47.200 --> 0:34:48.920
<v Speaker 3>like not telling your boots.

0:34:48.600 --> 0:34:50.279
<v Speaker 2>Something and you're like, oh, it doesn't matter, and then

0:34:50.280 --> 0:34:53.439
<v Speaker 2>it becomes everything. You're like, dag, we've all.

0:34:53.360 --> 0:34:56.680
<v Speaker 3>Been there, but right, so there should be like a

0:34:56.719 --> 0:34:59.680
<v Speaker 3>basic rule where it's maybe like anything over one hundred

0:34:59.760 --> 0:35:03.080
<v Speaker 3>dollars or both of you have to discuss it. And

0:35:03.280 --> 0:35:05.839
<v Speaker 3>so that way there's no surprises like this. But it's

0:35:05.920 --> 0:35:07.440
<v Speaker 3>up to you to decide what that rule is. But

0:35:07.880 --> 0:35:10.080
<v Speaker 3>that way too, when something like this happens, you have

0:35:10.120 --> 0:35:12.360
<v Speaker 3>a rule of stuff to be like, hey Ma, you know,

0:35:12.640 --> 0:35:14.480
<v Speaker 3>I think this is great, but I have to call

0:35:15.280 --> 0:35:17.840
<v Speaker 3>I gotta call you know, a husband, because you know,

0:35:18.000 --> 0:35:19.799
<v Speaker 3>he and I have this rule that we both honor

0:35:19.840 --> 0:35:21.839
<v Speaker 3>than anything over this amount of money. We don't make

0:35:21.920 --> 0:35:24.919
<v Speaker 3>financial choices, I mean like barring like clothes for the kids,

0:35:25.040 --> 0:35:26.120
<v Speaker 3>or like groceries.

0:35:25.760 --> 0:35:26.279
<v Speaker 2>Or something like that.

0:35:26.360 --> 0:35:29.440
<v Speaker 3>But we don't make like outside kind of like financial

0:35:29.520 --> 0:35:33.239
<v Speaker 3>choices over this amount of money without letting each other know.

0:35:33.800 --> 0:35:36.080
<v Speaker 3>Because sometimes just that pause would have made you say,

0:35:36.160 --> 0:35:38.440
<v Speaker 3>wait a minute, this doesn't make sense. Although I appreciate

0:35:38.480 --> 0:35:40.279
<v Speaker 3>to give my let's look for something else.

0:35:40.520 --> 0:35:42.200
<v Speaker 1>I love that one hundred dollars rule. I wish that

0:35:42.200 --> 0:35:43.640
<v Speaker 1>we could I could say that we have a rule

0:35:43.719 --> 0:35:46.279
<v Speaker 1>like that that we follow. We definitely have all of

0:35:46.280 --> 0:35:50.440
<v Speaker 1>our accounts link though, and we see when when charges

0:35:50.520 --> 0:35:52.640
<v Speaker 1>are on the card, and we have conversations about it

0:35:52.719 --> 0:35:57.319
<v Speaker 1>after the fact. But I think at least having transparency.

0:35:57.719 --> 0:36:00.200
<v Speaker 1>Transparency is key because then it's not possible for one

0:36:00.239 --> 0:36:01.799
<v Speaker 1>of us to do something behind the other person's back.

0:36:01.880 --> 0:36:03.959
<v Speaker 1>Not that we would, but it just helps us both,

0:36:04.520 --> 0:36:05.920
<v Speaker 1>you know, feel more comfortable that way.

0:36:06.320 --> 0:36:09.719
<v Speaker 3>I know couples that actually have one the get notifications

0:36:09.760 --> 0:36:10.880
<v Speaker 3>to their phone if you spend.

0:36:10.719 --> 0:36:11.440
<v Speaker 2>Over a certain amount.

0:36:12.120 --> 0:36:14.000
<v Speaker 1>I definitely do that for myself. I don't do it

0:36:14.120 --> 0:36:15.680
<v Speaker 1>for his card because I feel like that's a little

0:36:15.680 --> 0:36:19.480
<v Speaker 1>big brotherish, but for my own personal card, I do that.

0:36:19.560 --> 0:36:21.279
<v Speaker 1>And we have all of our link accounts anytime we

0:36:21.320 --> 0:36:24.440
<v Speaker 1>can go into our little dashboard and see I mean

0:36:24.520 --> 0:36:26.640
<v Speaker 1>right now with the house though, it's just all crazy,

0:36:27.040 --> 0:36:30.000
<v Speaker 1>it's all insane. I don't know, like, you know, we

0:36:30.120 --> 0:36:32.560
<v Speaker 1>just got our estimate for our countertops today and nothing

0:36:32.680 --> 0:36:33.880
<v Speaker 1>is nothing is normal any more.

0:36:34.000 --> 0:36:40.000
<v Speaker 2>Hundred dollars. I wish, I wish. I God, you know,

0:36:40.280 --> 0:36:41.080
<v Speaker 2>I've been the throat.

0:36:41.160 --> 0:36:44.080
<v Speaker 3>We haven't even really started to get busy with it,

0:36:44.239 --> 0:36:46.480
<v Speaker 3>but like we just started the basic demo and I'm

0:36:46.480 --> 0:36:47.920
<v Speaker 3>definitely like, oh my gosh, I.

0:36:48.000 --> 0:36:50.480
<v Speaker 2>Know it's gonna be like wait what, But you said

0:36:50.920 --> 0:36:51.400
<v Speaker 2>wait what.

0:36:51.600 --> 0:36:55.640
<v Speaker 1>Pipe so I'm like, oh, do you know our teeny

0:36:55.719 --> 0:36:57.640
<v Speaker 1>tiny our teeny tiny house I was like, do you

0:36:57.680 --> 0:36:59.680
<v Speaker 1>know how much the countertops estimate was that we got

0:36:59.760 --> 0:37:02.320
<v Speaker 1>for the like the normal price. It's like five thousand

0:37:02.360 --> 0:37:06.080
<v Speaker 1>dollars for whose kitchen? This is a teeny tiny kitchen.

0:37:06.120 --> 0:37:11.719
<v Speaker 1>I can't believe it anyway, Quarts, because I thought that was,

0:37:11.880 --> 0:37:15.239
<v Speaker 1>you know, the good, the good, low cost alternative to

0:37:15.320 --> 0:37:18.440
<v Speaker 1>Marble or whatever. Man, I'm getting my vacation vibes out

0:37:18.480 --> 0:37:21.640
<v Speaker 1>of whack now thinking about these Courts countertops. But yeah,

0:37:22.600 --> 0:37:26.880
<v Speaker 1>fifty five hundred, I'm back on the water. I'm with

0:37:27.040 --> 0:37:28.720
<v Speaker 1>the whales. It's fine.

0:37:30.840 --> 0:37:32.400
<v Speaker 2>Yeah. Oh R.

0:37:32.640 --> 0:37:35.480
<v Speaker 1>On that note, thank you guys for your questions.

0:37:36.760 --> 0:37:40.000
<v Speaker 3>Yes, thank you for joining us post vaca well the way,

0:37:40.080 --> 0:37:42.239
<v Speaker 3>but yes we will be unique week.

0:37:42.920 --> 0:37:46.120
<v Speaker 2>More questions, more question more questions. Then we really enjoy y'all.

0:37:46.560 --> 0:37:47.960
<v Speaker 2>Thank you for supporting grind Vision.