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Speaker 1: Hey, hey, hey, I feel super awesome right now. We're back,

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Speaker 1: We're black, we're brown, and ambition. Have you on the ambition?

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Speaker 2: Hey man, hey, I'm here. Another show, another week. We're

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Speaker 2: doing it.

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Speaker 1: Yes, we're doing it.

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Speaker 2: Thank you guys so much for all your first and foremost.

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Speaker 2: Thank you guys so much. I got a flood of

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Speaker 2: messages and well wishes and so many like I really enjoyed.

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Speaker 2: One woman even sent me a voice message. I didn't

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Speaker 2: know you could do that on Instagram. It freaked me out.

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Speaker 2: I was like, do I press play? And then what happens?

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Speaker 2: She's talking to me. It's like an Instagram voicemail, like

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Speaker 2: just just sharing. It was so all these heartfelt messages

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Speaker 2: and just people pouring out their hearts and telling me

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Speaker 2: their personal stories of struggling with those early weeks of motherhood.

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Speaker 2: So I really really appreciate it. Thank you guys for

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Speaker 2: hearing me. I had a little bit of a vulnerability hangover.

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Speaker 2: Do you know that expression? Do you follow Berne Brown? Yeah,

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Speaker 2: that's her her. She writes about vulnerability and I was like,

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Speaker 2: being vulnerable as a leader and stuff, and I'm like, oh,

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Speaker 2: this is what a vulnerability hangover feels. Like you cry

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Speaker 2: in your national podcast and just live with that for

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Speaker 2: a week. And y'all know I edit the show, so

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Speaker 2: I was my finger was itching delete, but no, I

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Speaker 2: mean I had to stand in my truth and thank

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Speaker 2: y'all for hearing me. And I was just talking to

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Speaker 2: Tiff because right now I'm getting that itch to go

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Speaker 2: back to work or just you know, it's it's hard

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Speaker 2: when you are at a level of productivity and like

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Speaker 2: with your career. You know, Tiff, you're thinking about having

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Speaker 2: a family too, so it's like, how will you juggle

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Speaker 2: the person you were?

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Speaker 1: Who? Really?

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Speaker 2: Just I mean, I love my calendar was my favorite thing.

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Speaker 2: I love a packed calendar. I love to know every

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Speaker 2: half hour chunk of my day and what was what

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Speaker 2: I was gonna do. And this life of eat, sleep, poop, eat, sleep, poop, cry, eat,

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Speaker 2: you know, eat, sleep, poop, like that monotony is just

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Speaker 2: I guess I'm at that point in the attorney leave

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Speaker 2: where it's just like, oh, I my brain can do

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Speaker 2: more than this, Like where are my tasks? And my

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Speaker 2: therapist was telling me, like I see this woman like

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Speaker 2: you all the time. You look for things that you

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Speaker 2: can do on top of keeping the baby, alive every

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Speaker 2: day just to like reach your productivity, just so you

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Speaker 2: can feel like you're productive. And she's like, you got

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Speaker 2: to stop, like keeping the baby alive. That takes all

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Speaker 2: the mental energy, and you're just setting yourself up for

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Speaker 2: disappointment when you feel like you didn't accomplish anything from

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Speaker 2: day to day. And that's when I'm like trying to

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Speaker 2: make peace with that, trying to like, Okay, no, I

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Speaker 2: didn't unload the dishwasher. Yes, the laundry is still like

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Speaker 2: not even in a basket, just sprawl across the floor.

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Speaker 2: I mean, my closet is just like a landmine of

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Speaker 2: just nursing pad and nursing tops and like just crap

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Speaker 2: onesies and whatever else on the floor. And I've had

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Speaker 2: to kind of just okay, not everything got done, but

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Speaker 2: the baby is sleeping and fed and happy, and you

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Speaker 2: know what, that's the stamp of approval. Day to day.

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Speaker 2: I sound like I've made I've worked it out, but

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Speaker 2: I'm still struggling with the whole you know, that's feeling

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Speaker 2: I'm not productive.

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Speaker 1: Watching you because i I'm to be fully transparent, so

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Speaker 1: I took you know, it's been two years. Have you

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Speaker 1: been listening to brown and vision, which I'm sure you have.

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Speaker 1: It's been two years of like back to back IVF,

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Speaker 1: like I stopped traveling, I stopped speaking as much. I

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Speaker 1: said no to a lot of things so I could

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Speaker 1: be home and still no baby. So that part it's

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Speaker 1: been kind of stressful. And then in December I had

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Speaker 1: it was a December, I think it was December. I

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Speaker 1: had another scar removal surgery. Because some people like keloid

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Speaker 1: on the outside, Apparently I scar easily on the inside.

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Speaker 1: So I found out two years ago I had fibroids

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Speaker 1: because I had a miss carriage and so I knew

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Speaker 1: when I was pregnant. I was like, yeah, yeah, I

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Speaker 1: did not know I had fiveboids until like, I was like,

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Speaker 1: I'm spotting. So I went to the emergency room and

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Speaker 1: they were like, we don't see anything but the fibroids.

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Speaker 1: They couldn't even see the baby. That's how many fibrids

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Speaker 1: I had. And so that's when I had my fiber

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Speaker 1: removal surgery. And when I did, my gynecologists was like,

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Speaker 1: you know, you're thirty eight, and if you're wanted to

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Speaker 1: have a baby, I would stack the odds in your

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Speaker 1: favor and not just try naturally, I would, you know,

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Speaker 1: use the help of a fertility doctor. And I said okay,

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Speaker 1: And that's when I found out like all these other

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Speaker 1: things that are like one, I guess I don't know

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Speaker 1: if it's hereditary or whatever, but my eggs I don't

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Speaker 1: have the level and quality of eggs that I that

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Speaker 1: the average woman of my age has. So I guess

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Speaker 1: to make it like, you know, I don't know what

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Speaker 1: age you could say, but I'm forty, but maybe my

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Speaker 1: eggs would would skew like more true for forty five

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Speaker 1: year old as you know, as women your eggs, you know,

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Speaker 1: so as a result, I'm not as fertile as you

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Speaker 1: would think. Like at thirty eight, it was like, you know,

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Speaker 1: I should still be relatively fertile, but I had a

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Speaker 1: low I think it was called HG HSG. HG, don't

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Speaker 1: get me to it's something with h Basically my levels

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Speaker 1: were low. And it was like, so, then, no, I

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Speaker 1: think it's HSG. I want to say something.

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Speaker 2: Like HSGA hormone. I should know these things something.

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Speaker 1: Yeah, So it's basically like my hormone level is low

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Speaker 1: for my age range. So then it was especially like

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Speaker 1: you need to use a fertility clinic because not that

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Speaker 1: I can't get pregnant naturally, but it's going to be

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Speaker 1: much much, much harder. And if I was twenty one,

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Speaker 1: then it would be fine. You have all these years,

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Speaker 1: but at thirty eight, it's like, you know, you're it's ticking,

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Speaker 1: and so like stacked the odds in your favor. So

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Speaker 1: we did you know, I've gone through the process of

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Speaker 1: removing the fibroids, and then once you removed the fibroids,

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Speaker 1: my uterus like I had too much scar tissue as

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Speaker 1: a result because I had a lot of fibroids, So

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Speaker 1: we removed the scar tissue. Scar tissued again. The scar

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Speaker 1: tissue propped open the universe with an iu iud Like

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Speaker 1: you know, it looks like a little umbrella, kind of

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Speaker 1: like the inside of an umbrella that if you were

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Speaker 1: to take off. Yeah, so the prop me open so

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Speaker 1: that way it can heal without the without scarring together,

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Speaker 1: because your skin wants to fuse together, like whenever skin

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Speaker 1: is raw and open. So that's what my units was doing.

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Speaker 1: And but in the meantime I was doing cycles and

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Speaker 1: cycles or when they basically pump me with a bunch

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Speaker 1: of hormones. So when you're after your period comes and

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Speaker 1: your normal ovulation cycle happens. Instead of producing one egg,

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Speaker 1: you produce multiple eggs. Now, someone a woman of my age,

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Speaker 1: when I was thirty eight, I would have on average,

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Speaker 1: like eight follicles, and you produce eight eggs. I had four,

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Speaker 1: and so I was producing four follicles, and I was

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Speaker 1: producing three to four eggs every cycle. But then I

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Speaker 1: got pregnant again from but this time with IVF, and

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Speaker 1: then I had another miscarriage, and they're like, okay, let's

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Speaker 1: test this embryo. An embryo is just a mixer, like

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Speaker 1: it's like a pre baby almost. It's like, you know,

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Speaker 1: the sperm and the and the egg before it's like

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Speaker 1: fully coming to baby. And it turned out that that

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Speaker 1: baby had UH chromosomal issues, which is not uncommon for

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Speaker 1: an older woman, you know what I mean, Like if

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Speaker 1: I was into my late for so so this it

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Speaker 1: was really like evidence then like okay, your eggs are

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Speaker 1: not as healthy as they as they could be. And

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Speaker 1: so every single psycho since then I have paid an

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Speaker 1: additional amount of money to test the embryo because usually

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Speaker 1: you don't have to test it. What happens is they

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Speaker 1: put an embryo inside you. Your body does the rest.

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Speaker 1: Your body says good, bad, let it go whatever. But

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Speaker 1: for me, because I know that, you know, my equality

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Speaker 1: is not so great, I don't want to waste like

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Speaker 1: the time and putting in an embryo that is not healthy,

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Speaker 1: because what my body is going to do is I'm

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Speaker 1: going to carry. And what happened with my last miscarriage,

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Speaker 1: it caused scar tissue. So then I had another two

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Speaker 1: scar tissue. So it's like it took me almost a

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Speaker 1: year to recover from the physically inside recover from the

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Speaker 1: last miscarriage because of the scar tissue. So I'm like,

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Speaker 1: I don't have a year if you put in an

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Speaker 1: embryo that is not going to be healthy and my

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Speaker 1: body's going to reject anyway. So we need to know

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Speaker 1: ahead of time. So I've done like four or five

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Speaker 1: different cycles, honestly, and like at like out of maybe

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Speaker 1: ten to twelve embryos, I have one healthy embryo. The

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Speaker 1: last cycle we did, none of them were healthy and

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Speaker 1: then they found more scar tissue. I'm like, oh my god, honestly,

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Speaker 1: and so in January I was like I step away,

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Speaker 1: like it's too much.

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Speaker 2: It's a lot that's at just take up. I mean,

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Speaker 2: I just wanted a moment to acknowledge the work you

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Speaker 2: are putting in, Like that's a lot of silent work

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Speaker 2: and a lot of silent I mean, I can't even imagine.

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Speaker 2: I can't even imagine even doing all this for so long, and.

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Speaker 1: It's just been like so like of course frustrating. So

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Speaker 1: I was like in January, I was like, okay, I

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Speaker 1: So I called my doctor and I was like, honestly,

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Speaker 1: I need a break because it's been two years. She's like,

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Speaker 1: and I's like, my joice, do I need to lose weight? Try?

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Speaker 1: Because you remember that's why I had gone vegan. Like

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Speaker 1: I was like, whatever it takes, Like I don't want

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Speaker 1: to look back twenty years from now and say, dank, Tiffany.

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Speaker 1: You really could have went on one less vacation or

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Speaker 1: said no to that speaking engagement and really put the

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Speaker 1: energy into having a family. And so I didn't want that,

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Speaker 1: you know. Like, so I was like, I'm going to

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Speaker 1: do all that I'm supposed to do. And she's like, tify,

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Speaker 1: you've been my doctor was telling my fertility doctor, you

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Speaker 1: have been a model patient. You've come to every you know,

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Speaker 1: you haven't missed any shots. And you know you've come

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Speaker 1: to every appointment. You know, you you you have, you know,

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Speaker 1: you've been a model patient. If there was something I

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Speaker 1: could say, do this better so to make it, She's like,

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Speaker 1: but I can't, and so she's like, I think it

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Speaker 1: is a good idea for you to take a break.

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Speaker 1: So I took January kind of like off, just to

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Speaker 1: because the what what a cycle looks like is that

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Speaker 1: you're giving yourself a shot every morning, every evening. Then

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Speaker 1: every other day you're at the doctor. Well for my doctor,

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Speaker 1: they do they do something called like pre appointments at

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Speaker 1: six thirty am, and so women who are doing the cycle,

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Speaker 1: it's like you have to get blood drawn and you

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Speaker 1: have to do basically when do you go to the guy? Now,

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Speaker 1: what is it when they're basically like looking in the

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Speaker 1: side of your regina? Yes, basically can you imagine that every

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Speaker 1: other day blood like the blood drawn. I'm like, yo,

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Speaker 1: I take my blood. It's nothing in comparison to like

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Speaker 1: every other morning at six am, crawling out of bed,

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Speaker 1: waiting on the cold steps with like all these other women.

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Speaker 1: You just kind of looking at each other like hi, Maria, Hi,

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Speaker 1: and you're waiting for them to open the doors, turn

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Speaker 1: on the lights before the office even opens so they

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Speaker 1: could draw your blood, which, like I said to me,

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Speaker 1: that's the easy part. But then for me to lay

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Speaker 1: legs cocked open, for you to put metal inside me,

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Speaker 1: for you to look again, and it's just like it's

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Speaker 1: just so I just like I I just need it.

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Speaker 1: I just need a break. So I was good at

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Speaker 1: like I said, at first January. Then I was like,

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Speaker 1: you know, I'm not gonna start back again until April.

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Speaker 1: You know I'm gonna And then I was like, you

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Speaker 1: know what, maybe I won't even have a baby. Maybe

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Speaker 1: I'll just But then I see Roman and Amelia, my

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Speaker 1: niece and my nephew, and I'm like, I really like

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Speaker 1: I want that, you know, like and but then there's

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Speaker 1: also this fear that like I am super driven, so

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Speaker 1: I'm scared like, well, like, you know, I see the

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Speaker 1: struggle you're going through, Manny, and I feel like as

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Speaker 1: it relates to like our careers and how much we

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Speaker 1: love the work, like I'm scared, like what if what

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Speaker 1: does that look like? On the other side, Like am

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Speaker 1: I gonna be able to adjust because of how much

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Speaker 1: I really enjoy doing and being the budget the still

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Speaker 1: so that part is also scary too. So I've been vacillating. Yeah,

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Speaker 1: back and forth.

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Speaker 2: We have to I'm not back in the work. I'm

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Speaker 2: not back at work yet, but yes I will address

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Speaker 2: because if I don't, I will go insane, and I

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Speaker 2: think you will too. The survival is that is figuring

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Speaker 2: out how do you stay true? How do you And

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Speaker 2: this is just me speaking to my future self. I

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Speaker 2: know that I've obviously life has changed, priorities have change,

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Speaker 2: but you still have to You still have to do

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Speaker 2: what drives you and what speaks to your soul and

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Speaker 2: what makes you who you are at your core, the

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Speaker 2: important things, you know, not the extra stuff you can

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Speaker 2: say no to this or that, but like the core

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Speaker 2: of what you do. And I just feel like and

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Speaker 2: especially for you as an entrepreneur, I've heard time and

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Speaker 2: again I know people with similar you know, structured like

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Speaker 2: businesses like yours sometimes say children make you work more efficiently,

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Speaker 2: can make more, can make you more uh, can make

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Speaker 2: you more driven and and and make you request more

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Speaker 2: for what you do so that you earn more than

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Speaker 2: you used to. I just and maybe this has comfort,

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Speaker 2: maybe it's not comforting, but I feel like we have to.

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Speaker 2: We have to find a way to do the work

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Speaker 2: and do the mothering thing, or else we just won't

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Speaker 2: be happy. And you know who wants to have an

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Speaker 2: unhappy an unhappy wife and an unhappy mom. It's not

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Speaker 2: just it's just gonna drag the whole household. So I mean,

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Speaker 2: drag the whole household down.

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Speaker 1: So I just like so, I honestly I decided because

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Speaker 1: I was just like, I'm gonna wait. I'm gonna wait

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Speaker 1: to push you back, push it back, and push it back.

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Speaker 1: And then really this weekend I was just really thinking

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Speaker 1: about it. My niece and my nephew came over it,

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Speaker 1: and it was just like they're just so awesome, you know,

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Speaker 1: like the two and two and four, such great agents.

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Speaker 1: They're fun, they talk, they they joke like, you know, yes,

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Speaker 1: even though like a million to wipe my butt, and

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Speaker 1: she calls me Auntie Poopy to be funny, like Auntie Poopy,

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Speaker 1: and I'm just like, it's just it's just everything. They

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Speaker 1: are everything. And I thought like, I, yes, Tiffany, you

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Speaker 1: do want this. I get the frustration, but I'm not

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Speaker 1: we haven't come this far to give up. And so yeah,

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Speaker 1: so I actually have to call my fertility doctor again. Uh.

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Speaker 1: I was supposed to call today but I didn't. I'm

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Speaker 1: gonna call tomorrow to say, Okay, what's next. I'm praying

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Speaker 1: that this last scar tissue has really move the last

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Speaker 1: scars that were inside my uterus, because what happens with

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Speaker 1: when you think about scars too, you should think about

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Speaker 1: it as like almost like a scab that's holding part

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Speaker 1: of your uterus together, and so you want an open,

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Speaker 1: clear uterus so that way the baby has full space

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Speaker 1: to grow. But you've got like it's not like a

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Speaker 1: scab on the roof on the side, it's the scab,

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Speaker 1: it's holding one it's connecting one side of your unius

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Speaker 1: to the other. So almost like like so it's like

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Speaker 1: a balloon that you squeezed in the middle, so there's

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Speaker 1: no space for a baby to grow on one side

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Speaker 1: of the bubble of the balloon or the other side

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Speaker 1: of the bubble of the boom. So they have to

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Speaker 1: remove that. And so I'm hoping that you know, when

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Speaker 1: they go to look that they're like, yeah, it's all clear,

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Speaker 1: which is great. So I've already told myself, like I

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Speaker 1: have three options. I'm gonna do one more cycle because

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Speaker 1: if I you know, by now, if I do a

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Speaker 1: cycle and that we don't have any healthy embryos, and

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Speaker 1: it just means that my body's been basically like you know,

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Speaker 1: I don't know that the medicine is just not working.

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Speaker 1: And then if that cycle doesn't yield any good embryos,

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Speaker 1: I I still I do have one good embryo from

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Speaker 1: like a year ago that we froze, and so I'm

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Speaker 1: then after that, I'll just have them put that embryo in.

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Speaker 1: If this cycle doesn't yield any fresh embryos, they'll put

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Speaker 1: that embryo in and then prayerfully that embryo takes if

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Speaker 1: the cycle, the next cycle doesn't yield anything, and then

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Speaker 1: if that doesn't happen, I just told myself honestly, I

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Speaker 1: think I'm just gonna try my hand at just us

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Speaker 1: trying naturally with a clear fiboard free scar tissue free uterus.

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Speaker 1: So that's like the third because you can't try naturally

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Speaker 1: while you're doing IVF because they do test things sometimes

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Speaker 1: that could hurt a child if you don't even know

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Speaker 1: you're pregnant. So let's just say me and Jerella trying

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Speaker 1: like naturally, and I happen to be pregnant and in

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Speaker 1: three days and I don't even know. But then I

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Speaker 1: go to the doctor and sometimes they do this thing

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Speaker 1: where it's called the high hydro something where they literally

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Speaker 1: fill your unius with water so they can see it fully,

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Speaker 1: so you don't want to drown your potential baby, you know.

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Speaker 2: So you can't realize all that.

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Speaker 1: Man, Oh my gosh, like this. There's one where they

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Speaker 1: literally put ink inside you so and it like burns

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Speaker 1: so they can see they can get a picture, like

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Speaker 1: a clear picture of what your unus is looking like,

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Speaker 1: so they can see all the scar tissues. When I

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Speaker 1: tell you, whoo, if it wasn't for the budgetista, like

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Speaker 1: I put it like in a section of my head

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Speaker 1: of like like like on to do list, go to

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Speaker 1: the doctor in the morning, let them look in your

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Speaker 1: vagina for the thousand times. Then I come home. Then

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Speaker 1: I you know, like I because if not, it just

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Speaker 1: will make you crazy. Like even hearing it coming from

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Speaker 1: my mouth, I'm like, yo, this sounds crazy. But you

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Speaker 1: can't look at it like that or you won't do it.

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Speaker 1: And so but not everyone. So here's the thing. A

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Speaker 1: friend of mine she did one cycle got pregnant, boom.

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Speaker 1: So IVF doesn't look like this for everyone, Like I'm

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Speaker 1: just having a harder time than most. Quite honestly, it's

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Speaker 1: it's they say, IVF is typically sixty percent successful. So yeah,

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Speaker 1: and not everyone sticks with it, honestly, because I'm really fortunate,

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Speaker 1: which I'm grateful of is that a superman might my husband,

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Speaker 1: his his benefits cover everything. I pay a ten dollars copay.

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Speaker 1: Sometimes when I go to see the doctor, I don't

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Speaker 1: know if I've even spent two hundred dollars extraordinary, I mean, honestly,

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Speaker 1: the blessing I'm blessed Mary, yeah m hm. So whenever

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Speaker 1: I'm feeling super overwhelmed, I remind myself, like Tiffany, like

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Speaker 1: you have probably spent over two hundred thousand not probably,

348
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Speaker 1: but this process would have cost me out of pocket

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Speaker 1: over two hundred thousand dollars already already if if like

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Speaker 1: you know, because I'll see the medicine. Sometimes the medicine

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Speaker 1: list will come up and it'll say, all of these

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Speaker 1: shots and everything, we're sending you eighty thousand dollars, but

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Speaker 1: your your call pay for the medicine zero dollars. I

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Speaker 1: don't even pay for the medicine. Yeah, so as much

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Speaker 1: like you know, you don't have to cry for me, Argentina,

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Speaker 1: because I know it's hard, but I live a really

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Speaker 1: blessed fortunate life because so many women don't have access

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Speaker 1: to healthcare that would take care of this for them.

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Speaker 1: So I don't know, pray for me. I feel hopeful

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Speaker 1: because I'm just like, I do have one good embryo.

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Speaker 1: My body has shown twice that it can indeed be pregnant.

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Speaker 1: It's just like, I'm just creating the ideal environment and

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Speaker 1: we already we have a healthy embryo. So even if

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Speaker 1: this cycle doesn't yield a healthy embryo, that we do

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Speaker 1: have one that we can implant and pray, pray, pray, pray,

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Speaker 1: pray over it and not go anywhere and stay home

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Speaker 1: and relax and utsa and yeah.

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Speaker 2: But I just think they are goddamn superhero because that

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Speaker 2: it just I mean. And you know, and I've been

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Speaker 2: following Amy Schumer and I know she's going through She's

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Speaker 2: like sharing her IVF journey right now, and she's like,

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Speaker 2: first of all, her Instagram page is hilarious. She's like

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Speaker 2: the raw real motherhood anyway. But like the work that

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Speaker 2: you're doing and so many women are doing too to

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Speaker 2: have children, Like it's it's extraordinary and I want it for.

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Speaker 1: You so bad and also you're going through it like

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Speaker 1: you know, I know sometimes like the secret shame and

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Speaker 1: sometimes you just I share because and what I love honestly,

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Speaker 1: ib our listens are so awesome because nobody hits me

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Speaker 1: in the DMS and says, so it's got all the baby,

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Speaker 1: So it's gonna because you guys have been so awesome

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Speaker 1: in like letting me share when I want to share,

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Speaker 1: and then when I don't, leaving it alone because sometimes

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Speaker 1: it's too overwhelming. So so honestly, like our listeners been have

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Speaker 1: been so so amazing that when I share, they reach out,

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Speaker 1: you know, they you know, they ask me questions and

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Speaker 1: then when I don't like I said, they leave it.

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Speaker 1: And so that's been really great because sometimes it can

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Speaker 1: be really like overwhelming, like when someone's asking you know,

390
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Speaker 1: when you're like, especially if you had a really bad

391
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Speaker 1: doubt or you have you got the news, oh you

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Speaker 1: need another scar movers surgery, and you're Likejesus, suck how

393
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Speaker 1: many times you have to go down under Naesi? Because

394
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Speaker 1: when you have to go under anesthesia, like put you

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Speaker 1: to sleep, and you know that's a risk. Every time

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Speaker 1: you get put to sleep, there is a chance you

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Speaker 1: will not wake up. And so like it's just you know,

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Speaker 1: so some days you have those days and you're like,

399
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Speaker 1: I don't want to freak of talk about it, and

400
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Speaker 1: other days I'm like, I don't mind talking about it

401
00:19:54,680 --> 00:19:57,399
Speaker 1: because I know that somebody out there might need to

402
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Speaker 1: hear it. But yeah, so when when we all have

403
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Speaker 1: this baby, because this is our baby now, when she

404
00:20:03,520 --> 00:20:07,240
Speaker 1: comes or he comes into existence, I swear I'm gonna

405
00:20:07,240 --> 00:20:09,800
Speaker 1: be telling this story to them. They're eighty.

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Speaker 2: I let them talk back to you once. That's how

407
00:20:12,359 --> 00:20:17,160
Speaker 2: I feel the first time they give you attitude. Look here,

408
00:20:17,440 --> 00:20:17,800
Speaker 2: you old.

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Speaker 1: I know you don't even understand, but let me tell you,

410
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Speaker 1: I worked for two years, longer than your life is

411
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Speaker 1: as existed, to make sure that you were here now.

412
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Speaker 1: But I think about it, but then I still feel

413
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Speaker 1: hope because I found out for my mom that she

414
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Speaker 1: struggled like with having because I'm one of five kids,

415
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Speaker 1: and like they told her before my first sister was born,

416
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Speaker 1: it's not gonna happen for you. Like you you know,

417
00:20:38,840 --> 00:20:41,520
Speaker 1: these are the issues that you're having and she has

418
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Speaker 1: five kids. I'm not trying to have nobody's five kids.

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Speaker 1: But I just thought about that. She just reminded me

420
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Speaker 1: of that I didn't know that. I didn't know that

421
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Speaker 1: she had fertility issues and stuff and they told her

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Speaker 1: it wasn't gonna happen and her hips were wide enough,

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Speaker 1: this other stuff they told her, and like, you know,

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Speaker 1: like I'm I'm baby number two or five, So you

425
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Speaker 1: know that at the end of the day, you know,

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Speaker 1: doctors don't always have the final say at the end

427
00:21:03,080 --> 00:21:05,520
Speaker 1: of the day. You know, you know your body and

428
00:21:05,640 --> 00:21:08,320
Speaker 1: whatever higher source you believe in that has the final say.

429
00:21:08,359 --> 00:21:11,200
Speaker 1: So I know that's been pretty heavy, but like, actually

430
00:21:11,200 --> 00:21:12,880
Speaker 1: I feel good. I feel I've been wanting to share,

431
00:21:12,960 --> 00:21:14,479
Speaker 1: like kind of like where I was in the journey,

432
00:21:14,600 --> 00:21:17,400
Speaker 1: especially now that I feel like rejuvenated to go back

433
00:21:17,440 --> 00:21:19,040
Speaker 1: to it. I feel in a good space with it,

434
00:21:19,119 --> 00:21:21,080
Speaker 1: Like I didn't want to go back begrudgingly, and I'm

435
00:21:21,080 --> 00:21:23,800
Speaker 1: not so thank you for letting me, Samandra.

436
00:21:24,359 --> 00:21:27,439
Speaker 2: How could I not thank you for sharing? Thank you.

437
00:22:00,320 --> 00:22:04,720
Speaker 1: Now that we baby y'all out, you can ask us

438
00:22:05,200 --> 00:22:12,800
Speaker 1: any question that you may have about career, personal finance, family. Actually,

439
00:22:12,800 --> 00:22:14,760
Speaker 1: a friend of mine asked me a really good question

440
00:22:15,480 --> 00:22:17,560
Speaker 1: about and we should maybe do a show on this, Amandy,

441
00:22:17,640 --> 00:22:21,440
Speaker 1: about how to navigate marriage and money. So a friend

442
00:22:21,480 --> 00:22:23,840
Speaker 1: who's recently got married asked how I was doing it

443
00:22:23,840 --> 00:22:25,760
Speaker 1: with Superman. So I just gave her kind of like

444
00:22:25,800 --> 00:22:28,680
Speaker 1: what we do and you know, but there's no wrong

445
00:22:28,760 --> 00:22:30,159
Speaker 1: or right way. But I think that would just be

446
00:22:30,160 --> 00:22:32,680
Speaker 1: an awesome like marriage and money kind of like.

447
00:22:32,600 --> 00:22:35,879
Speaker 2: A So that's a very broad question.

448
00:22:36,800 --> 00:22:38,280
Speaker 1: M I think we should have that, And if you

449
00:22:38,280 --> 00:22:40,000
Speaker 1: guys have marriage and money questions, to send them in.

450
00:22:40,080 --> 00:22:43,720
Speaker 2: But while you explained, because you know what I thought

451
00:22:43,760 --> 00:22:44,680
Speaker 2: I knew, and.

452
00:22:46,119 --> 00:22:47,560
Speaker 1: No, Mandy, you have to insight.

453
00:22:47,800 --> 00:22:51,840
Speaker 2: Nope, no I don't, No, I don't.

454
00:22:52,800 --> 00:22:53,560
Speaker 1: That's because you have a kid.

455
00:22:53,600 --> 00:22:56,800
Speaker 2: Now, talk about how husband decided that having a baby

456
00:22:56,840 --> 00:22:58,920
Speaker 2: was a good time to get all of his dental

457
00:22:58,960 --> 00:23:05,080
Speaker 2: work done, all of it every other day, gotta get

458
00:23:05,080 --> 00:23:10,199
Speaker 2: another crown. I'm like, how much are these crowns on?

459
00:23:10,240 --> 00:23:11,080
Speaker 1: What's out of your mouth?

460
00:23:11,880 --> 00:23:13,720
Speaker 2: Why don't you brush your teeth for I've been telling

461
00:23:13,720 --> 00:23:14,720
Speaker 2: you for eight years?

462
00:23:14,800 --> 00:23:15,120
Speaker 1: All right?

463
00:23:15,160 --> 00:23:18,480
Speaker 2: Anyway, Yeah, that's a great idea for a show, pro show.

464
00:23:18,600 --> 00:23:19,720
Speaker 2: Let's not tackle it today.

465
00:23:19,760 --> 00:23:24,360
Speaker 1: Because today. So yeah, no, I would love yes. Send

466
00:23:24,359 --> 00:23:29,080
Speaker 1: your questions, send your comments, your concerns to us, and

467
00:23:29,160 --> 00:23:30,160
Speaker 1: Mandy's going to drop them.

468
00:23:30,240 --> 00:23:33,520
Speaker 2: Uh yeah, I'll tell you how to do that. You

469
00:23:33,600 --> 00:23:36,920
Speaker 2: may go to Brannanbision podcast dot com ask us anything there,

470
00:23:37,040 --> 00:23:39,200
Speaker 2: or you can hit us up on Instagram. We are

471
00:23:39,280 --> 00:23:41,800
Speaker 2: at the b Wait No, oh crap, what am I

472
00:23:41,840 --> 00:23:45,359
Speaker 2: Tiffany today? Mommy brain? We are at brann and Vision

473
00:23:45,400 --> 00:23:50,760
Speaker 2: podcast on Instagram and also our email address is Brandnavision

474
00:23:50,800 --> 00:23:54,160
Speaker 2: Podcast at gmail dot com. I had to really work

475
00:23:54,240 --> 00:23:56,000
Speaker 2: hard for that. Wow, it's just not roll off the

476
00:23:56,000 --> 00:23:58,720
Speaker 2: tongue I've you used to. All Right. I do have

477
00:23:58,760 --> 00:24:01,320
Speaker 2: a couple of love like questions thinking one from the email,

478
00:24:01,359 --> 00:24:06,880
Speaker 2: one from the Graham Today. Let's see this one comes

479
00:24:06,920 --> 00:24:10,240
Speaker 2: from Okay. She wants to be called Mispace. Okay, miss Pace,

480
00:24:10,720 --> 00:24:12,600
Speaker 2: She says, love your show. You guys are both my

481
00:24:12,640 --> 00:24:15,680
Speaker 2: besties in my head. I got married in twenty sixteen,

482
00:24:16,000 --> 00:24:17,880
Speaker 2: the year before you guys did, and I'm a few

483
00:24:17,880 --> 00:24:21,560
Speaker 2: weeks from delivering my first baby. Who is she delivered herself?

484
00:24:22,960 --> 00:24:27,000
Speaker 2: That's exciting you all say what I'm thinking and have

485
00:24:27,040 --> 00:24:31,520
Speaker 2: awesome solutions. My question is this I'm a budding entrepreneur, which,

486
00:24:31,560 --> 00:24:34,440
Speaker 2: as you know, means I don't have maternity leave. I've

487
00:24:34,440 --> 00:24:37,760
Speaker 2: been paying into a short term disability coverage policy since

488
00:24:37,800 --> 00:24:42,360
Speaker 2: a year ago under the impression that it covered maternity leave. However,

489
00:24:42,600 --> 00:24:44,760
Speaker 2: I've now found out that I'd only be covered if

490
00:24:44,760 --> 00:24:47,880
Speaker 2: there was a complication in my pregnancy, which means I've

491
00:24:47,880 --> 00:24:51,000
Speaker 2: wasted a year of paying into this policy. After all

492
00:24:51,040 --> 00:24:53,440
Speaker 2: this drama going back and forth, I no longer want

493
00:24:53,520 --> 00:24:55,440
Speaker 2: a policy, and I was thinking if there are other

494
00:24:55,480 --> 00:24:58,439
Speaker 2: ways I can say for future baby number two in

495
00:24:58,520 --> 00:25:01,800
Speaker 2: two years and one questions and suggestion and one of

496
00:25:01,840 --> 00:25:04,960
Speaker 2: suggestions on whether I should do a mutual fund or

497
00:25:05,040 --> 00:25:08,080
Speaker 2: a CD what would be best that would give me

498
00:25:08,119 --> 00:25:12,600
Speaker 2: some decent interest for my money. That's a good So

499
00:25:12,880 --> 00:25:15,399
Speaker 2: the entrepreneur is saving to have a baby. That's an

500
00:25:15,440 --> 00:25:17,480
Speaker 2: interesting comp because you don't have maternity leaves, you have

501
00:25:17,520 --> 00:25:19,760
Speaker 2: to like, yeah, I'm sure you can talk about that.

502
00:25:20,440 --> 00:25:23,840
Speaker 2: But essentially the question is, so, she's about to have

503
00:25:23,880 --> 00:25:26,320
Speaker 2: a baby soon, but she's looking at creating kind of

504
00:25:26,359 --> 00:25:29,720
Speaker 2: some kind of savings fund. I guess that she plans

505
00:25:29,760 --> 00:25:33,200
Speaker 2: to tap into in a couple of years. M h, yeah,

506
00:25:33,400 --> 00:25:35,600
Speaker 2: So the best way to save for that for something

507
00:25:35,600 --> 00:25:37,840
Speaker 2: that would be kind of short term like that. But yeah,

508
00:25:37,880 --> 00:25:40,160
Speaker 2: do you want to talk about what you how you've

509
00:25:40,160 --> 00:25:42,359
Speaker 2: sort of approached it since you've got your own business

510
00:25:42,359 --> 00:25:45,600
Speaker 2: and you're also planning to have a baby.

511
00:25:46,840 --> 00:25:49,200
Speaker 1: Well, what I did was I actually created a fund

512
00:25:49,320 --> 00:25:50,800
Speaker 1: called I call it super Baby because you know I

513
00:25:50,880 --> 00:25:54,640
Speaker 1: call Superman Superman and our bonus daughter, well his daughter,

514
00:25:54,680 --> 00:25:58,760
Speaker 1: my bonest daughter, Supergirl, a Lissa Supergirl. And so I like,

515
00:25:58,840 --> 00:26:01,719
Speaker 1: I started off with jess an online only savings account

516
00:26:01,760 --> 00:26:03,920
Speaker 1: and I named it super Baby, and I just started

517
00:26:03,920 --> 00:26:08,520
Speaker 1: putting money into that online only savings account. And then

518
00:26:09,200 --> 00:26:11,760
Speaker 1: you know, I met with Angelie, my financial planner, and

519
00:26:11,760 --> 00:26:15,000
Speaker 1: she was like, well, let's put this into a mutual

520
00:26:15,040 --> 00:26:18,480
Speaker 1: fund so, you know, so that way it can grow.

521
00:26:18,640 --> 00:26:21,440
Speaker 1: And what I would suggested if you can't know for

522
00:26:21,480 --> 00:26:23,600
Speaker 1: sure obviously when you're gonna get pregnant, but if you

523
00:26:23,720 --> 00:26:27,840
Speaker 1: wanted to create like a like to get a target

524
00:26:27,920 --> 00:26:29,840
Speaker 1: date fund, so let's just say you know you're gonna

525
00:26:29,840 --> 00:26:32,320
Speaker 1: want to start again in two years or two years

526
00:26:32,359 --> 00:26:35,240
Speaker 1: is when you're anticipating the next baby, So picking kind

527
00:26:35,280 --> 00:26:38,480
Speaker 1: of like that year as your target date, and you know,

528
00:26:38,560 --> 00:26:41,080
Speaker 1: putting your money in a mutual fund that's also a

529
00:26:41,119 --> 00:26:43,479
Speaker 1: target date fund, So as you get closer and closer

530
00:26:43,520 --> 00:26:49,240
Speaker 1: to that baby coming to fruition, your money is is

531
00:26:49,280 --> 00:26:51,840
Speaker 1: being preserved, your capital is being preserved because the way

532
00:26:51,840 --> 00:26:53,679
Speaker 1: a target date fund works, I think we mentioned this

533
00:26:53,880 --> 00:26:56,720
Speaker 1: last episode, is that the closer you get to the

534
00:26:56,720 --> 00:27:01,640
Speaker 1: target date, the more conservative your investments automatically rebalance themselves

535
00:27:01,640 --> 00:27:04,680
Speaker 1: to be so that way, when you're ready to take

536
00:27:04,680 --> 00:27:07,480
Speaker 1: the money, you're not in some sort of like riskier

537
00:27:07,480 --> 00:27:10,919
Speaker 1: investment that does yield a risk potential bigger return, but

538
00:27:10,920 --> 00:27:12,720
Speaker 1: at least you know you'll be able to actually take

539
00:27:12,760 --> 00:27:17,480
Speaker 1: the money that's currently they're out fairly safely. So that's

540
00:27:17,520 --> 00:27:19,399
Speaker 1: what I would look for. That's what I've done with

541
00:27:19,440 --> 00:27:21,679
Speaker 1: super Baby is a target Well I haven't done a

542
00:27:21,680 --> 00:27:23,560
Speaker 1: target date fund, but I've done a mutual fund because

543
00:27:23,560 --> 00:27:25,959
Speaker 1: I don't have a target date because I'm not you know,

544
00:27:26,200 --> 00:27:28,480
Speaker 1: who knows where, like what's going to happen for me.

545
00:27:28,800 --> 00:27:31,800
Speaker 1: But that's what I would suggest. And then this current

546
00:27:31,800 --> 00:27:34,160
Speaker 1: when I'm like, uh, how frustrating to have paid into

547
00:27:34,200 --> 00:27:37,080
Speaker 1: something thinking it's one thing and it's like, nah's not,

548
00:27:37,280 --> 00:27:41,920
Speaker 1: which is so crazy. I'm assuming she's with, Yeah.

549
00:27:41,760 --> 00:27:43,720
Speaker 2: I didn't I even know that some policies. I didn't

550
00:27:43,720 --> 00:27:46,600
Speaker 2: even know that short term disability, because you're right, I mean,

551
00:27:46,640 --> 00:27:48,960
Speaker 2: when I went on maternity leave, it's considered a short

552
00:27:49,040 --> 00:27:51,840
Speaker 2: term disability leave, like it's a I'm a disabled person

553
00:27:51,880 --> 00:27:53,720
Speaker 2: and that's kind of what I have to file for whatever.

554
00:27:54,359 --> 00:27:56,280
Speaker 2: So I guess that would make sense. But I didn't realize,

555
00:27:56,280 --> 00:27:58,320
Speaker 2: like if you were buying your own policy, that it

556
00:27:58,440 --> 00:28:02,199
Speaker 2: might cover, like it might pay out for a maternity leave.

557
00:28:02,240 --> 00:28:03,679
Speaker 2: I hadn't heard of that before. Maybe there are some

558
00:28:03,760 --> 00:28:05,520
Speaker 2: policies like that. I don't know, have you heard about

559
00:28:05,600 --> 00:28:06,359
Speaker 2: anything like that?

560
00:28:07,160 --> 00:28:08,920
Speaker 1: No? Actually I had it, Like I mean, I've heard

561
00:28:09,080 --> 00:28:11,320
Speaker 1: of course of short term disability, and I have disability

562
00:28:11,320 --> 00:28:13,240
Speaker 1: like that I pay out of pocket for myself that

563
00:28:13,359 --> 00:28:15,359
Speaker 1: I got like you know, like in my twenties or

564
00:28:15,400 --> 00:28:19,000
Speaker 1: thirties or whatever. But I did I didn't even know

565
00:28:19,240 --> 00:28:22,400
Speaker 1: that disability cover quite honestly, maternity leave or you could

566
00:28:22,400 --> 00:28:25,520
Speaker 1: get disability for maternity leave. So now the question is

567
00:28:25,560 --> 00:28:30,280
Speaker 1: to ask yourself, is is there a policy that definitively

568
00:28:30,440 --> 00:28:33,800
Speaker 1: does cover maternity leave? And to get that, you know,

569
00:28:33,840 --> 00:28:36,399
Speaker 1: to research and find that policy for this for this

570
00:28:36,560 --> 00:28:40,960
Speaker 1: upcoming baby after this first one.

571
00:28:40,120 --> 00:28:42,600
Speaker 2: Even does though you think if she's having the baby soon,

572
00:28:42,760 --> 00:28:45,160
Speaker 2: like would she be able to pay into it for

573
00:28:45,200 --> 00:28:46,560
Speaker 2: such a short amount of time and then be able

574
00:28:46,600 --> 00:28:50,000
Speaker 2: to cash into it. That seems a little like well.

575
00:28:49,840 --> 00:28:52,239
Speaker 1: I was thinking more so like that that that that

576
00:28:52,280 --> 00:28:53,600
Speaker 1: would be for baby too.

577
00:28:53,920 --> 00:28:57,480
Speaker 2: Oh she could say, Oh, you're right. You weren't even

578
00:28:57,480 --> 00:28:58,920
Speaker 2: reading her question, but you woulder stood it.

579
00:28:58,920 --> 00:29:02,160
Speaker 1: There that I did. I'm like two years from now.

580
00:29:02,160 --> 00:29:04,240
Speaker 2: But do you know how the gestation period for one?

581
00:29:06,120 --> 00:29:09,720
Speaker 2: You're right, she's talking about for the next one. Oh ya, girl,

582
00:29:09,800 --> 00:29:12,440
Speaker 2: how do you listen? Take it from me, have the

583
00:29:12,480 --> 00:29:21,040
Speaker 2: first one first, and then because number I have removed

584
00:29:21,040 --> 00:29:24,840
Speaker 2: the number two out of my dictionary, out of my vocabulary,

585
00:29:24,880 --> 00:29:26,600
Speaker 2: I don't even talk about anything that has to do

586
00:29:26,640 --> 00:29:30,840
Speaker 2: with number two anymore. Thanks, So I totally woo okay,

587
00:29:31,200 --> 00:29:33,880
Speaker 2: I'm back on track. Continue, Tiffany, you can run the

588
00:29:33,880 --> 00:29:34,600
Speaker 2: show for the rest.

589
00:29:34,440 --> 00:29:37,560
Speaker 1: Of the show. So that's what I meant about the

590
00:29:37,600 --> 00:29:41,480
Speaker 1: mutual fund, So that would be for baby number two.

591
00:29:41,640 --> 00:29:45,000
Speaker 1: But I would also I would probably do like I said,

592
00:29:45,000 --> 00:29:47,360
Speaker 1: like a target date fund for baby number two, just

593
00:29:47,400 --> 00:29:49,680
Speaker 1: to be ready for baby number two, but for baby

594
00:29:49,760 --> 00:29:52,120
Speaker 1: number one. I would also open up just a mutual

595
00:29:52,160 --> 00:29:55,560
Speaker 1: fund for that baby, just like for future things like college.

596
00:29:55,560 --> 00:29:57,440
Speaker 1: So you can do a target date fund for a

597
00:29:57,440 --> 00:30:00,200
Speaker 1: baby that's coming now baby number one and I have

598
00:30:00,240 --> 00:30:02,720
Speaker 1: the target date be eighteen years from now, seventeen years

599
00:30:02,720 --> 00:30:04,920
Speaker 1: from now, so for college. So both of the baby's

600
00:30:04,960 --> 00:30:07,960
Speaker 1: the one that's currently here basically almost and the baby

601
00:30:08,000 --> 00:30:10,240
Speaker 1: in the future, you can do that for both. But

602
00:30:10,400 --> 00:30:13,920
Speaker 1: now I wanted to just tackle the current disability policy.

603
00:30:14,360 --> 00:30:17,520
Speaker 1: So I don't know for sure what you should do

604
00:30:17,560 --> 00:30:20,720
Speaker 1: with that current disability policy, because one, it might be

605
00:30:20,760 --> 00:30:24,240
Speaker 1: good for other things outside of the baby stuff, which

606
00:30:24,280 --> 00:30:26,440
Speaker 1: is what I know you got it for. At the

607
00:30:26,560 --> 00:30:29,480
Speaker 1: very least, I likely would keep it until after the

608
00:30:29,560 --> 00:30:33,480
Speaker 1: baby comes, because God forbid that there are complications which

609
00:30:33,480 --> 00:30:36,280
Speaker 1: were there's not going to be reclaiming that now, but

610
00:30:36,360 --> 00:30:39,000
Speaker 1: God forbid that something like that that does happen. This

611
00:30:39,120 --> 00:30:41,240
Speaker 1: policy would actually cover that, So I wouldn't want you

612
00:30:41,320 --> 00:30:44,480
Speaker 1: to cancel it before knowing for sure, So that's what

613
00:30:44,520 --> 00:30:46,360
Speaker 1: I would do. I would wait until after baby comes

614
00:30:46,360 --> 00:30:48,920
Speaker 1: and you're healthy and at home and everything's fine, then

615
00:30:49,000 --> 00:30:51,680
Speaker 1: consider cancering that policy and then getting one that's more

616
00:30:51,720 --> 00:30:54,640
Speaker 1: in alignment with what you need, but not before the

617
00:30:54,640 --> 00:30:58,400
Speaker 1: baby comes. So I hope that helps. And congratulations pre.

618
00:30:58,480 --> 00:31:02,240
Speaker 2: Mommy, that's no, that's great. We like and we love

619
00:31:02,240 --> 00:31:06,640
Speaker 2: insurance on this show. We love insurance baby number two.

620
00:31:06,720 --> 00:31:11,040
Speaker 2: Do you hear the background right now? Because it's excellent

621
00:31:11,080 --> 00:31:15,280
Speaker 2: birth control. All right, let's move on to brown Boost,

622
00:31:15,360 --> 00:31:28,720
Speaker 2: Brown Break. We're gonna take a quick break and be right.

623
00:31:34,440 --> 00:31:39,520
Speaker 1: So it's Brad break, Brown booths, brown break, brown boo

624
00:31:39,920 --> 00:31:43,400
Speaker 1: to break. Are you gonna break? Are you gonna not booths?

625
00:31:43,920 --> 00:31:47,160
Speaker 2: I'm gonna do well, I'm gonna do an informational break

626
00:31:47,240 --> 00:31:50,360
Speaker 2: from some kind of like some not great news in

627
00:31:50,400 --> 00:31:54,040
Speaker 2: the credit score world. So last week shock waves went

628
00:31:54,040 --> 00:31:57,880
Speaker 2: through the world. Anytime FIKO changes its credit credit score formula,

629
00:31:58,960 --> 00:32:01,760
Speaker 2: you know, nerds like us get at all in a

630
00:32:01,800 --> 00:32:05,720
Speaker 2: titter about this. But basically what's happening is every once

631
00:32:05,720 --> 00:32:07,720
Speaker 2: in a while, FIKO will look at the way that

632
00:32:07,760 --> 00:32:10,320
Speaker 2: it calculates credit scores and it's been This is not

633
00:32:10,400 --> 00:32:13,000
Speaker 2: the first time it's made changes. I believe a couple

634
00:32:13,000 --> 00:32:15,120
Speaker 2: of years ago it changed the way it treated medical

635
00:32:15,160 --> 00:32:19,520
Speaker 2: debt that actually benefited a lot of people. Before the change,

636
00:32:19,560 --> 00:32:24,480
Speaker 2: if you had medical debt, your score could basically be lower,

637
00:32:24,560 --> 00:32:27,680
Speaker 2: but they treated medical debt a little bit more graciously,

638
00:32:28,280 --> 00:32:30,640
Speaker 2: considering it's medical debt, not something like a credit card,

639
00:32:30,800 --> 00:32:33,000
Speaker 2: you know, which you've racked up yourself. A lot of

640
00:32:33,000 --> 00:32:35,720
Speaker 2: people can't control when they get into medical debt, you know.

641
00:32:37,000 --> 00:32:39,800
Speaker 2: So the most recent change has to do with personal loans,

642
00:32:39,840 --> 00:32:42,800
Speaker 2: which may impact a lot of our listeners because personal loans,

643
00:32:42,840 --> 00:32:45,200
Speaker 2: I know from you know, just working where I work,

644
00:32:45,400 --> 00:32:48,680
Speaker 2: we help people find and compare personal loans. They are

645
00:32:48,800 --> 00:32:52,040
Speaker 2: a hugely popular way to borrow money these days, with

646
00:32:52,120 --> 00:32:53,800
Speaker 2: a personal loan. We talk about them all long time

647
00:32:53,800 --> 00:32:56,960
Speaker 2: on the show, right when we recommend, you know, taking

648
00:32:57,000 --> 00:32:59,160
Speaker 2: out a small personal loan from a credit union or

649
00:32:59,200 --> 00:33:02,840
Speaker 2: from an onlinand or wherever to say, consolidate credit card

650
00:33:02,840 --> 00:33:05,280
Speaker 2: debt if you can get a lower credit, if you

651
00:33:05,280 --> 00:33:08,440
Speaker 2: can get a lower interest rate on a personal loan,

652
00:33:08,480 --> 00:33:10,200
Speaker 2: you know, you can use that loan to pay off

653
00:33:10,280 --> 00:33:13,080
Speaker 2: higher interest debt and then you have one loan. Personal

654
00:33:13,120 --> 00:33:16,360
Speaker 2: loans are great because they're fixed, you know, fixed monthly payments,

655
00:33:16,720 --> 00:33:18,880
Speaker 2: and they're fixed aprs, they don't go up and down,

656
00:33:19,320 --> 00:33:21,280
Speaker 2: and you have a fixed repayment term, so you know

657
00:33:21,920 --> 00:33:25,960
Speaker 2: when the end is coming. But what's happened now is

658
00:33:26,000 --> 00:33:29,640
Speaker 2: with the with the new FICO changes. Apparently, if you

659
00:33:29,760 --> 00:33:31,959
Speaker 2: use personal loans in that way to pay off all

660
00:33:31,960 --> 00:33:35,000
Speaker 2: your credit card, all your credit cards in the past,

661
00:33:35,000 --> 00:33:39,480
Speaker 2: that would immediately probably impact your score beneficially because you've

662
00:33:39,480 --> 00:33:41,760
Speaker 2: gotten rid of a bunch of high interest debt and

663
00:33:41,800 --> 00:33:45,560
Speaker 2: you've now got a fixed Damn it. I knew I

664
00:33:45,640 --> 00:33:47,440
Speaker 2: was going to get this wrong because the momy brain. Oh,

665
00:33:47,520 --> 00:33:51,920
Speaker 2: installment loan. Yes, you've got installment debt versus high interest

666
00:33:52,040 --> 00:33:54,920
Speaker 2: revolving debt like a credit Yes, that's why your credit

667
00:33:55,000 --> 00:33:57,960
Speaker 2: score can get boosted by consolidating with a personal loan.

668
00:33:58,440 --> 00:34:01,880
Speaker 2: Under the new formula, FIKO will look back. This is

669
00:34:01,920 --> 00:34:04,560
Speaker 2: according to NPR, FYCO will look back over a period

670
00:34:04,600 --> 00:34:07,160
Speaker 2: of time as far as two years to see whether

671
00:34:07,200 --> 00:34:09,399
Speaker 2: you've used the loan to reduce your high interest credit

672
00:34:09,480 --> 00:34:12,359
Speaker 2: card debt or whether you're using credit cards as much

673
00:34:12,400 --> 00:34:15,640
Speaker 2: as you were before, running up new revolving balances and

674
00:34:15,719 --> 00:34:20,400
Speaker 2: falling deeper into debt. So this is really important because

675
00:34:20,440 --> 00:34:22,880
Speaker 2: we find again you know, lending Tree my company, we

676
00:34:22,920 --> 00:34:25,440
Speaker 2: look at, you know, how do people use personal loans?

677
00:34:25,480 --> 00:34:28,680
Speaker 2: And often you do find people because they have that

678
00:34:28,840 --> 00:34:31,919
Speaker 2: sense of oh, I've gotten this personal loan, I've paid

679
00:34:31,920 --> 00:34:34,480
Speaker 2: off my credit cards. They feel like they're debt free

680
00:34:34,480 --> 00:34:36,680
Speaker 2: all of a sudden, like the pressure is off, but

681
00:34:36,719 --> 00:34:39,640
Speaker 2: you're not. You still have the debt. It's just costing

682
00:34:39,680 --> 00:34:41,160
Speaker 2: you less. It's in a different form.

683
00:34:41,280 --> 00:34:43,000
Speaker 1: Yeah, And because.

684
00:34:42,680 --> 00:34:44,560
Speaker 2: You have that sense of like, oh, I'm getting on

685
00:34:44,600 --> 00:34:46,479
Speaker 2: top of my finances, you're like, oh, I'm gonna treat

686
00:34:46,480 --> 00:34:48,799
Speaker 2: myself to this at them all or I'm gonna why

687
00:34:48,840 --> 00:34:50,839
Speaker 2: not take out that new credit card when I you know,

688
00:34:50,920 --> 00:34:53,320
Speaker 2: check out at the Gap or at Kohl's or whatever,

689
00:34:53,719 --> 00:34:56,479
Speaker 2: And before you know it, you haven't fixed the bad

690
00:34:56,520 --> 00:35:00,080
Speaker 2: habits and you have additional credit card debts. So this

691
00:35:00,160 --> 00:35:03,000
Speaker 2: is what that seems like. The FYCO formulas trying to

692
00:35:03,000 --> 00:35:08,120
Speaker 2: get smarter, which makes sense, to not get to look

693
00:35:08,160 --> 00:35:10,400
Speaker 2: at how people and what they're doing after they consolidate

694
00:35:10,400 --> 00:35:12,680
Speaker 2: their with their credit card debt with they personal loan,

695
00:35:13,640 --> 00:35:16,520
Speaker 2: and you can potentially get dinged if you continue racking

696
00:35:16,560 --> 00:35:17,120
Speaker 2: up debt.

697
00:35:18,080 --> 00:35:21,720
Speaker 1: So it's like good for like the medical debt stuff,

698
00:35:21,719 --> 00:35:24,800
Speaker 1: but then maybe not so good with the consolidating personal

699
00:35:24,800 --> 00:35:25,600
Speaker 1: loan debt.

700
00:35:26,000 --> 00:35:28,080
Speaker 2: It's good if you I mean honestly it's still a

701
00:35:28,120 --> 00:35:30,960
Speaker 2: great tool to use to consolidate debt. You know, I'd

702
00:35:31,000 --> 00:35:33,160
Speaker 2: still recommend it as you can get a if you

703
00:35:33,200 --> 00:35:35,160
Speaker 2: can get a lower interest rate than what your credit

704
00:35:35,200 --> 00:35:38,440
Speaker 2: cards have, it totally makes sense. The only thing is

705
00:35:38,600 --> 00:35:41,800
Speaker 2: just be mindful that if you continue racking up credit

706
00:35:41,800 --> 00:35:44,640
Speaker 2: card debt after you've used that personal loan to consolidate,

707
00:35:44,680 --> 00:35:48,000
Speaker 2: FICO will take note of that looking back as far

708
00:35:48,080 --> 00:35:51,000
Speaker 2: as two years, and the boost you may get from

709
00:35:51,040 --> 00:35:55,400
Speaker 2: and from consolidating that debt with a personal loan. Maybe

710
00:35:55,440 --> 00:35:57,680
Speaker 2: count your race. Yeah, I don't know about a race.

711
00:35:57,800 --> 00:35:59,560
Speaker 2: It doesn't say like how we're you know, it's really

712
00:35:59,560 --> 00:36:02,120
Speaker 2: difficult to judge how and what how much of a

713
00:36:02,160 --> 00:36:04,880
Speaker 2: score will go up or down, but it will definitely

714
00:36:05,120 --> 00:36:07,239
Speaker 2: ding you if you go back and start racking up

715
00:36:07,239 --> 00:36:10,680
Speaker 2: credit card debt after you've you set loan to consolidate.

716
00:36:11,040 --> 00:36:14,960
Speaker 1: So to know, yeah, so this is good. So you're right.

717
00:36:15,000 --> 00:36:17,279
Speaker 1: This is like some someplace in between brom boosts and

718
00:36:17,320 --> 00:36:20,960
Speaker 1: broad break. So it's like, you know, I know, no, no,

719
00:36:21,000 --> 00:36:22,759
Speaker 1: it's good though. We have to know because I mean

720
00:36:22,800 --> 00:36:27,600
Speaker 1: that the way you navigate with your credit is, you know,

721
00:36:27,640 --> 00:36:31,000
Speaker 1: it's critical you need credit in this country. You know,

722
00:36:31,120 --> 00:36:33,400
Speaker 1: it can prevent you from getting a home, it can

723
00:36:33,440 --> 00:36:35,640
Speaker 1: prevent you from getting a job, it can prevent you

724
00:36:35,800 --> 00:36:39,680
Speaker 1: from getting utilities turned on. So it's important that you know,

725
00:36:40,000 --> 00:36:41,160
Speaker 1: you know all these things, like you know, I know,

726
00:36:41,200 --> 00:36:43,040
Speaker 1: there's like this brigade of like we don't need credit.

727
00:36:43,080 --> 00:36:47,360
Speaker 1: I'm like, sis, do you live in the usbay because

728
00:36:47,480 --> 00:36:49,640
Speaker 1: you indeed do. You don't have to have like, you know,

729
00:36:49,760 --> 00:36:52,080
Speaker 1: like a ton of credit, but you have to have

730
00:36:52,080 --> 00:36:55,359
Speaker 1: some credit history as an adult unless you're not you're

731
00:36:55,360 --> 00:36:58,560
Speaker 1: purchasing everything with cash, which is definitely possible, but the

732
00:36:58,600 --> 00:37:01,200
Speaker 1: average person is not able to purchase everything with cash.

733
00:37:01,239 --> 00:37:04,560
Speaker 1: And and even then you might have a job that's like Okay,

734
00:37:04,600 --> 00:37:07,360
Speaker 1: you proaches your house, your car, your close everything with cash,

735
00:37:07,480 --> 00:37:09,200
Speaker 1: and your job's like that's cute, but we need to

736
00:37:09,200 --> 00:37:11,360
Speaker 1: see your credit score to see if this is a

737
00:37:11,400 --> 00:37:14,279
Speaker 1: position that we could trust you with. And so there's

738
00:37:14,320 --> 00:37:18,279
Speaker 1: nothing that you can do to side step that. So yeah,

739
00:37:18,320 --> 00:37:22,239
Speaker 1: so credit is still an important component of adulting financially,

740
00:37:22,280 --> 00:37:25,640
Speaker 1: So just keeping that in mind. Oh that was good.

741
00:37:26,000 --> 00:37:29,960
Speaker 1: So I'm actually going to brown Boost. So have you

742
00:37:30,000 --> 00:37:34,440
Speaker 1: heard of Unique? Her name is Unique Jones. She is Well,

743
00:37:34,480 --> 00:37:36,239
Speaker 1: I'm sure you've heard of because of them we can?

744
00:37:37,080 --> 00:37:39,240
Speaker 2: Yes, yes, I love the Instagram account.

745
00:37:39,520 --> 00:37:42,880
Speaker 1: Yes, right, so positive, so amazing, so delightful. If you

746
00:37:42,920 --> 00:37:46,760
Speaker 1: don't follow literally at because of them you can. And

747
00:37:46,800 --> 00:37:49,399
Speaker 1: so what's so great about because of them you can?

748
00:37:50,000 --> 00:37:51,919
Speaker 1: Is that Unique? I mean especially it's Black History Months,

749
00:37:51,920 --> 00:37:54,440
Speaker 1: so she really celebrates like black excellence and all its

750
00:37:54,480 --> 00:38:02,520
Speaker 1: amazing forms. But Unique recently launched something called culture Tags.

751
00:38:03,160 --> 00:38:07,000
Speaker 1: And the way culture tax works is that it's a

752
00:38:07,760 --> 00:38:09,480
Speaker 1: it's a game, you know how like you ever see

753
00:38:09,520 --> 00:38:11,880
Speaker 1: like people be like T B A to be honest

754
00:38:12,360 --> 00:38:16,160
Speaker 1: or like, you know, it's like get the f out

755
00:38:16,160 --> 00:38:18,680
Speaker 1: of here, G F O T, you know what I mean.

756
00:38:18,719 --> 00:38:22,360
Speaker 1: So she literally created this really fun game where s

757
00:38:22,440 --> 00:38:25,000
Speaker 1: O T. Sorry, yeah, yeah, I'm gonna get the wait

758
00:38:25,520 --> 00:38:27,960
Speaker 1: g T G T because you.

759
00:38:27,920 --> 00:38:31,319
Speaker 2: Don't because you don't curse, you're a little rusty. Where

760
00:38:31,400 --> 00:38:35,040
Speaker 2: is the F go? I know where it goes, but.

761
00:38:35,080 --> 00:38:37,880
Speaker 1: I gotta call you know, he's a potty mouth and

762
00:38:37,920 --> 00:38:38,919
Speaker 1: so I.

763
00:38:38,880 --> 00:38:43,719
Speaker 3: Respect that and so so but it's a fun game

764
00:38:43,840 --> 00:38:46,200
Speaker 3: where the purpose of the game is that you have

765
00:38:46,239 --> 00:38:49,160
Speaker 3: a timer and then you hold up the like you know,

766
00:38:49,200 --> 00:38:52,120
Speaker 3: the acronym is that that's an acronym, right, is that right?

767
00:38:52,880 --> 00:38:53,200
Speaker 1: Yeah?

768
00:38:53,320 --> 00:38:55,960
Speaker 2: I don't know what you call them in the you know,

769
00:38:56,040 --> 00:38:57,759
Speaker 2: for text messaging beyond acronym.

770
00:38:57,840 --> 00:39:00,480
Speaker 1: Sure, So baby, it's basically what's she calls them? Just

771
00:39:00,520 --> 00:39:03,400
Speaker 1: a hashtag and so you hold up the hashtag and

772
00:39:03,440 --> 00:39:05,400
Speaker 1: you have a certain amount of time to guess what

773
00:39:05,480 --> 00:39:07,600
Speaker 1: it is. And what I really love is that she

774
00:39:07,760 --> 00:39:11,720
Speaker 1: has categories. So she's like categories Church, categories black Mama,

775
00:39:11,880 --> 00:39:14,640
Speaker 1: because they have one where it's like do you have

776
00:39:14,719 --> 00:39:17,880
Speaker 1: McDonald's money, which is hilarious. So I love that she

777
00:39:18,000 --> 00:39:20,880
Speaker 1: breaks it down into culturally relevant things for black culture.

778
00:39:21,480 --> 00:39:23,319
Speaker 1: And then you have to guess what the hashtag is.

779
00:39:23,400 --> 00:39:28,080
Speaker 1: And if you go to culture tags at culture tags

780
00:39:28,120 --> 00:39:30,400
Speaker 1: on Instagram, you can see like videos and people playing

781
00:39:30,600 --> 00:39:33,640
Speaker 1: and it's so it looks so fun. And I share

782
00:39:33,680 --> 00:39:38,279
Speaker 1: this because Unique just launched a Kickstarter to bring this

783
00:39:38,360 --> 00:39:41,440
Speaker 1: game to life. I think she was asking for fifteen thousand.

784
00:39:41,560 --> 00:39:45,120
Speaker 1: As of right now, she already has twenty two thousand dollars,

785
00:39:45,480 --> 00:39:49,280
Speaker 1: and if she reaches like thirty five thousand, she gives

786
00:39:49,280 --> 00:39:52,319
Speaker 1: like additional gifts to people who've donated, so I think

787
00:39:52,400 --> 00:39:54,319
Speaker 1: she still has another like twenty days or something to go.

788
00:39:54,400 --> 00:39:56,560
Speaker 1: She got fully funded day one, but she's like, look

789
00:39:56,560 --> 00:39:58,440
Speaker 1: if they get even more funding and mean even more

790
00:39:58,480 --> 00:40:02,520
Speaker 1: goodies for people who have back it, I highly suggest.

791
00:40:02,760 --> 00:40:06,280
Speaker 1: Like I love games, and so I have like taboo

792
00:40:06,280 --> 00:40:09,000
Speaker 1: at the house. We have uno, we play cards, so

793
00:40:09,200 --> 00:40:12,000
Speaker 1: I literally have like a game closet because as a kid,

794
00:40:12,000 --> 00:40:13,520
Speaker 1: we always play games as when I was a kid.

795
00:40:13,560 --> 00:40:15,440
Speaker 1: So I love having games in the house so when

796
00:40:15,440 --> 00:40:18,520
Speaker 1: friends come over, we can have fun. So I backed

797
00:40:18,560 --> 00:40:21,080
Speaker 1: the project so I can get like the game in

798
00:40:21,080 --> 00:40:23,000
Speaker 1: my house. But honestly, what I tell you, like looking

799
00:40:23,000 --> 00:40:25,239
Speaker 1: at the videos of live people playing it, it looks

800
00:40:25,320 --> 00:40:30,480
Speaker 1: so much fun. I cannot wait to play. So it's called.

801
00:40:30,320 --> 00:40:33,319
Speaker 2: Culture tags culture Okay, So.

802
00:40:33,480 --> 00:40:35,040
Speaker 1: What you can do is you can go to kickstarter

803
00:40:35,120 --> 00:40:37,799
Speaker 1: dot com and just like typing culture tags and it

804
00:40:37,800 --> 00:40:40,320
Speaker 1: should come up. Or you can just go to culture

805
00:40:40,360 --> 00:40:43,799
Speaker 1: tags on ig and like and in the culture tag

806
00:40:43,880 --> 00:40:46,440
Speaker 1: like a you could pre order the game be a Kickstarter,

807
00:40:46,640 --> 00:40:48,319
Speaker 1: like the link is in her ig bio in the

808
00:40:48,320 --> 00:40:52,160
Speaker 1: culture tag ig bio. But yeah, honestly, it just looks

809
00:40:52,160 --> 00:40:54,440
Speaker 1: like so much fun and like like like.

810
00:40:54,560 --> 00:40:57,560
Speaker 2: Got McDonald's money. It kind of reminds me of like

811
00:40:57,560 --> 00:40:59,359
Speaker 2: I'm kind of like getting a sense of like black

812
00:40:59,400 --> 00:41:03,479
Speaker 2: Jeopardy from the category is we got food at home?

813
00:41:04,320 --> 00:41:08,920
Speaker 1: Literally like that right, Like how fun is that? And

814
00:41:08,960 --> 00:41:10,480
Speaker 1: so like, like I said, I love the fact that

815
00:41:10,520 --> 00:41:14,000
Speaker 1: she breaks down the categories like you know, like things

816
00:41:14,040 --> 00:41:17,440
Speaker 1: black moms say, black church, and so like, you know,

817
00:41:17,480 --> 00:41:20,000
Speaker 1: it's just she just said that because I spoke to

818
00:41:20,120 --> 00:41:21,960
Speaker 1: like we were like messaging back and forth, and she

819
00:41:21,960 --> 00:41:26,000
Speaker 1: said she created it because she was inspired by black Twitter,

820
00:41:26,040 --> 00:41:29,120
Speaker 1: because you know, black Twitter is hilarious and they have

821
00:41:29,360 --> 00:41:32,279
Speaker 1: just created such an amazing like, well we have this

822
00:41:32,360 --> 00:41:36,000
Speaker 1: amazing black culture that black Twitter really just displays just

823
00:41:36,040 --> 00:41:38,319
Speaker 1: how funny, how sharp, how witty we are, whitty we are.

824
00:41:38,520 --> 00:41:41,040
Speaker 1: And she noticed that like we were using like these

825
00:41:41,080 --> 00:41:43,280
Speaker 1: hashtags in such a way that it was just hilarious

826
00:41:43,280 --> 00:41:46,560
Speaker 1: that like, especially if you're black, they especially mean something

827
00:41:46,600 --> 00:41:48,319
Speaker 1: to you because it's just certain ways that we talk

828
00:41:48,360 --> 00:41:50,920
Speaker 1: and that we are. And she was like, like one

829
00:41:50,920 --> 00:41:53,200
Speaker 1: of my favorites in the video. So it's like, uh,

830
00:41:53,400 --> 00:41:56,000
Speaker 1: I think it's like I forget the category. I think

831
00:41:56,000 --> 00:41:57,840
Speaker 1: the category is like black man or something like that,

832
00:41:58,520 --> 00:42:00,440
Speaker 1: and it's like you know what men say when they

833
00:42:00,480 --> 00:42:02,839
Speaker 1: see each other, and I forget the acronym don't get

834
00:42:02,920 --> 00:42:06,000
Speaker 1: me to asking, but it's like, oh, this is I've

835
00:42:06,040 --> 00:42:07,760
Speaker 1: seen Jerrelle do this with like with like his friends,

836
00:42:07,800 --> 00:42:09,640
Speaker 1: Like you know, his friends will say like, how you doing.

837
00:42:09,719 --> 00:42:11,520
Speaker 1: He's like, man, just trying to get like you. So

838
00:42:11,600 --> 00:42:15,520
Speaker 1: it's like just j T G. You know, I would

839
00:42:15,640 --> 00:42:17,560
Speaker 1: never think of that because I'm like, I'm not a dude,

840
00:42:17,680 --> 00:42:19,520
Speaker 1: but I like all the men in the audience when

841
00:42:19,520 --> 00:42:22,080
Speaker 1: they played were like Rory and they all knew what

842
00:42:22,160 --> 00:42:24,600
Speaker 1: it was. And man, it just looks like a fun game.

843
00:42:24,680 --> 00:42:27,239
Speaker 1: Unique is like a rock star. I don't know how

844
00:42:27,280 --> 00:42:30,720
Speaker 1: she developed this, created it. It looks the game itself

845
00:42:30,760 --> 00:42:32,839
Speaker 1: looks like you could buy this game at Target from

846
00:42:32,880 --> 00:42:37,359
Speaker 1: Milton Bradley, Like it already looks so well polished. So yeah,

847
00:42:37,400 --> 00:42:39,560
Speaker 1: so I'm just sharing that because I think we you know,

848
00:42:39,600 --> 00:42:42,440
Speaker 1: we we love black and Brown excellenteer at Brown Ambition,

849
00:42:42,560 --> 00:42:45,120
Speaker 1: and you know Unique has already displayed that with because

850
00:42:45,120 --> 00:42:47,160
Speaker 1: of them, we can. But now with culture tags, you

851
00:42:47,160 --> 00:42:50,719
Speaker 1: can bring a little more culture and fun into your home. Kickstarter.

852
00:42:51,040 --> 00:42:52,920
Speaker 1: Just go to culture tag and like I said, I

853
00:42:53,320 --> 00:42:55,799
Speaker 1: read across it and I was like, oh and I

854
00:42:55,960 --> 00:42:58,120
Speaker 1: ordered it, and yeah, I'm just excited. So I figured

855
00:42:58,120 --> 00:42:59,799
Speaker 1: I share because I have my own kickstarted coming up,

856
00:42:59,840 --> 00:43:02,960
Speaker 1: so I'm extra hyper sensitive to supporting other people in

857
00:43:02,960 --> 00:43:04,200
Speaker 1: their kickstarter journey.

858
00:43:04,719 --> 00:43:08,120
Speaker 2: Yes, gets like a kickstarter a juju out there? Good energy.

859
00:43:09,760 --> 00:43:12,200
Speaker 2: Now that sounds so much fun. Awesome. All right, I'm

860
00:43:12,239 --> 00:43:16,600
Speaker 2: gonna go play a game of Catch the Screaming Baby. Yeah,

861
00:43:16,680 --> 00:43:22,839
Speaker 2: let see who wins. Usually nobody but the baby. Ah,

862
00:43:23,719 --> 00:43:25,839
Speaker 2: melatonin or two so I can get some shut eye.

863
00:43:25,960 --> 00:43:27,000
Speaker 2: It's gonna be a good night.

864
00:43:27,680 --> 00:43:31,160
Speaker 1: Like girl that meltone. I told Carol about it. She's

865
00:43:31,200 --> 00:43:33,680
Speaker 1: a girl. Thank you. These gummies are everything.

866
00:43:34,080 --> 00:43:36,720
Speaker 2: Oh they had gummies. I'm using like an expired bottle

867
00:43:36,760 --> 00:43:38,560
Speaker 2: that I forgot. I had my friend because I was

868
00:43:38,560 --> 00:43:40,800
Speaker 2: complaining about my friends like use of melatonin.

869
00:43:40,840 --> 00:43:43,360
Speaker 1: I'm like, oh, yeah, like because I honestly, I'm not

870
00:43:43,360 --> 00:43:45,279
Speaker 1: really good with pills. So whenever possible, I try to

871
00:43:45,280 --> 00:43:46,920
Speaker 1: take a gummy of any pill that I need to take,

872
00:43:46,920 --> 00:43:48,400
Speaker 1: if possible orchewable.

873
00:43:48,560 --> 00:43:51,480
Speaker 2: Yeah, can consult your medical professional. I'm not endorsing any

874
00:43:51,680 --> 00:43:55,120
Speaker 2: you know, but for me, melatonin expired from May twenty nineteen.

875
00:43:55,360 --> 00:43:59,520
Speaker 2: Does a truck make I refuse to buy a new

876
00:43:59,520 --> 00:44:03,520
Speaker 2: bottles cheap? How many I've been you should see my

877
00:44:03,560 --> 00:44:06,960
Speaker 2: search history. How many melatonin do you need to take?

878
00:44:07,160 --> 00:44:08,640
Speaker 2: If it's expound like that.

879
00:44:10,440 --> 00:44:10,640
Speaker 3: Here?

880
00:44:10,800 --> 00:44:15,200
Speaker 1: So I should be okay. Oh but honestly, look like

881
00:44:15,239 --> 00:44:17,320
Speaker 1: looking at you give me like you know from Afar,

882
00:44:17,840 --> 00:44:19,560
Speaker 1: Like you know, I'm not even a hugger, but I've

883
00:44:19,560 --> 00:44:20,160
Speaker 1: been hugging you a.

884
00:44:20,200 --> 00:44:23,480
Speaker 2: Lot from Afar And yeah, thank you. I need it,

885
00:44:23,600 --> 00:44:26,040
Speaker 2: Yeah I need it. But this has been you know.

886
00:44:26,239 --> 00:44:29,480
Speaker 2: It's like I said, this show actually helps. It helps

887
00:44:29,520 --> 00:44:31,359
Speaker 2: me force my husband to take care of the baby

888
00:44:31,400 --> 00:44:33,880
Speaker 2: once in a while so I can do something for me.

889
00:44:34,200 --> 00:44:36,600
Speaker 2: And it is work, but it's work that feeds me.

890
00:44:36,680 --> 00:44:40,120
Speaker 2: It makes me feel like myself, so I don't mind it.

891
00:44:40,160 --> 00:44:42,319
Speaker 2: I don't want people to worry that I'm like over

892
00:44:42,360 --> 00:44:45,800
Speaker 2: exerting myself or you know whatever, being unhealthy by pushing

893
00:44:45,800 --> 00:44:49,279
Speaker 2: myself to do the show. It actually it actually makes

894
00:44:49,280 --> 00:44:51,680
Speaker 2: me feel good to do the show, and I wouldn't

895
00:44:51,719 --> 00:44:54,320
Speaker 2: be doing it if it didn't. And if it starts

896
00:44:54,320 --> 00:44:56,040
Speaker 2: to not feel good, I won't do it. So thank

897
00:44:56,080 --> 00:44:58,960
Speaker 2: you guys for for a period of time. So thank

898
00:44:59,000 --> 00:45:03,640
Speaker 2: you guys for giving me that space. No, but this

899
00:45:03,800 --> 00:45:05,799
Speaker 2: is it's good. But do let me go because I

900
00:45:05,840 --> 00:45:07,520
Speaker 2: just got you gotta check your text tip, but I

901
00:45:07,560 --> 00:45:09,120
Speaker 2: texted you was strange, shot him what I just got

902
00:45:09,120 --> 00:45:22,960
Speaker 2: for my husband. So SOS, we need you. Okay, bye,