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Speaker 1: A a A good a mate. That's the terrible Australian accent. Neverline.

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Speaker 2: You know what's so crazy. When I got there, I

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Speaker 2: was like, so, where you guys accents and everybody was like, yeah, no,

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Speaker 2: one really talks like that quite. It's definitely has like

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Speaker 2: you know, you hear like a little undertone of that,

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Speaker 2: but the typical Australian doesn't. For as far as what

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Speaker 2: folks told me, their accent is not quite that thick

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Speaker 2: and heavy. That's just extra exaggerated or there's certain I

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Speaker 2: guess it's like more less cosmopolitan that accent.

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Speaker 1: You know, yeah, that's really disappointing, though they don't all

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Speaker 1: sound like Steve irwin.

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Speaker 2: Ke's Crocodile Dundee. I was waiting put some striper on

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Speaker 2: the bobby.

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Speaker 1: They were like, no, don't embarrass myself.

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Speaker 2: I know, I had an awesome time. I mean, so

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Speaker 2: I went to Australia because I had awesome opportunity. Drina

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Speaker 2: who is my awesome publicist but also my bff. Her client.

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Speaker 2: His name is Patrice Colors and Patrice is one of

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Speaker 2: the co founders. There's three women that founded Black Lives Matter.

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Speaker 2: Woman named Operal, a woman named Malitia and Patrice and

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Speaker 2: so the Sydney Peace Prize, which is super prestigious, I

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Speaker 2: mean people, amazing people have won that Peace Prize. They

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Speaker 2: decided to honor the Black Lives Matter Network and like

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Speaker 2: that's what you know. So one of the founders was

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Speaker 2: able to make it, and so she came to accept

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Speaker 2: the Peace Prize on behalf of Black Lives Matter. So

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Speaker 2: that was just really awesome to kind of see that

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Speaker 2: and kind of see, you know, what that movement looks

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Speaker 2: like from behind the scenes. And it was really really

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Speaker 2: interesting to meet, you know, a co founder. I mean,

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Speaker 2: well one Patresea is just so chilling, down to earth

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Speaker 2: it's and fun, but actually see her doing the work.

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Speaker 2: Like we'd go to her hotel and we'd be hanging out,

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Speaker 2: but then a crisis would happen and you would see

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Speaker 2: her and to like organizer mode, this is what we

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Speaker 2: need to do, you know. So it was just really honestly,

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Speaker 2: the work that she and the whole network are doing

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Speaker 2: is nothing short of amazing on behalf of all brown people.

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Speaker 2: So that's what yeh. Yeah, it was huge, Honestly, it was.

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Speaker 2: It was such a pleasure because it was like I

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Speaker 2: got to see like touristy Sydney. But then I also

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Speaker 2: got to see this other side, like they want to

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Speaker 2: go visit like different Aboriginal camps and like, you know, like, so,

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Speaker 2: what's happening here with your brown people? How can we

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Speaker 2: how can we you know, be of service to that?

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Speaker 2: You know, what do you want us to share with

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Speaker 2: our brown folks of what's happening here. I didn't realize

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Speaker 2: that less than three percent of Australia's population is brown,

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Speaker 2: And it wasn't untill like I didn't really notice as

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Speaker 2: much because I grew up in like an all white town.

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Speaker 2: But it wasn't until like Drina kept saying, She's like,

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Speaker 2: we're like literally the only black people in the airport.

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Speaker 2: I was like, no, yes, we are. That happened every

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Speaker 2: single place we went, literally not one brown faith. I

55
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Speaker 2: was actually pretty surprised, you know, because Sydney it's it's

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Speaker 2: like clean New York, so it's pretty cosmopolitan, very little

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Speaker 2: diversity by way of brownness. So there were definitely a

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Speaker 2: lot of Asians, so there was a lot of Chinese thie,

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Speaker 2: but as far as like Aboriginal or black folks or whatever,

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Speaker 2: it was next to nothing.

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Speaker 1: Well, the country did a really good job of like exterminating. Yeah,

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Speaker 1: so yeah, yeah, we we know.

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Speaker 2: Yeah, it was Yeah, that's what that was. That was

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Speaker 2: a hard conversation to hear about over and over again,

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Speaker 2: like because we would go to these different events where

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Speaker 2: they were honoring her and then kind of like sharing

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Speaker 2: their story of what's happen happening to them there, and

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Speaker 2: it sounds honestly, it's the same treatment here that brown

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Speaker 2: folks get, and you're just like, wow, what is that that?

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Speaker 2: You know, what what is that that? I don't know,

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Speaker 2: what is it that it causes folks to treat brown

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Speaker 2: folks in a way, And here like the police brutality stories,

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Speaker 2: dying in custody stories, a young driver killed three Aboriginal

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Speaker 2: kids and they blamed the kids that were killed, like, oh,

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Speaker 2: they shouldn't have been in a way. I mean it's yeah. Honestly,

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Speaker 2: at the end, I told Patries, I don't even know how.

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Speaker 2: It was too much. There were times when I was

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Speaker 2: like I'm not going to go to that event because

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Speaker 2: it was too much Emotionally. I don't know how she

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Speaker 2: carries all of that with her. I don't know how, honestly,

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Speaker 2: Like it's it's heartbreaking, it's soul breaking. And I told

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Speaker 2: her that she and her team are uniquely qualified to

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Speaker 2: do the work because I couldn't. I do the work,

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Speaker 2: but not in that way. I could not take on

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Speaker 2: all of that. It's too much.

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Speaker 1: I think it takes a really special human, like the

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Speaker 1: same the same types of humans who do social work

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Speaker 1: or or any anywhere. We're just like inundated with these

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Speaker 1: horrific situations. Were children and people who were like, uh,

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Speaker 1: marginalized and don't have rights, and their human rights are

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Speaker 1: being taken away from them like all the time. Those

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Speaker 1: it takes a real special person. I'm glad for those

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Speaker 1: types of people.

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Speaker 2: Yeah, that part was cool.

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Speaker 1: So about the kangaroos, yes, oh.

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Speaker 2: My gosh, so I told myself because it was like

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Speaker 2: because I what I tried to do was like because

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Speaker 2: I did a lot of stuff. You know, Drina was

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Speaker 2: off working with Patrice and her team, and so I

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Speaker 2: had a lot of like alone time, which I totally

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Speaker 2: did love because you know, I don't know, I love

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Speaker 2: solo travel. And so I was like, ooh, so every

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Speaker 2: day I try to choose like something really fun and

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Speaker 2: different and epic to do, and so I had not

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Speaker 2: Drina would not allow me to go to the zoo

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Speaker 2: without her. She said, I everything else she could do

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Speaker 2: without me, but if you go to that zoo and

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Speaker 2: I'm not with you, and I see social media and

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Speaker 2: I was like, start it. So it was literally the

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Speaker 2: day before we're gonna leave, and it started to rain.

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Speaker 2: I said, Drina, we're going to the freaking so she

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Speaker 2: was like, oh, it's raining. No, We're going to the zoo.

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Speaker 2: So we went to the zoo and it was everything

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Speaker 2: and more. The kangaroos were they allow you to get

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Speaker 2: really close, like people were like petting them. I was like, yeah,

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Speaker 2: I'm not about that, like, but to see them happy, yes,

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Speaker 2: you could get like they were. I don't know, like

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Speaker 2: this was honestly one of the best dudes I'd ever seen.

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Speaker 2: It wasn't huge, but the animals were like in like

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Speaker 2: basically like open spaces, and those animals that were kind

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Speaker 2: of like, you know, not anti human, you were kind

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Speaker 2: of allowed to like mix and mingle with them. It

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Speaker 2: was very like weird, but very cool. So the kangaroos

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Speaker 2: were just hopping in front of you. People were putting

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Speaker 2: their hands out and they nuzzle your hand like no

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Speaker 2: food get away from me, and I was like, ah,

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Speaker 2: I want to catch one, but I was scared. But

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Speaker 2: they were magnificent and to see them hopping. There was

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Speaker 2: one in particular that was like, oh, he's just showing

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Speaker 2: off and I was like, oh my gosh. And then

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Speaker 2: the koalas. They didn't let you get too close to

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Speaker 2: koalas because I heard they said like the koalas could

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Speaker 2: be like not today, not tomorrow night.

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Speaker 1: I've seen some really scary videos of koalas.

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Speaker 2: Yeah, so we were kind of like away, like, oh hey,

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Speaker 2: koala in the tree looking cute, but I'm not getting close.

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Speaker 2: So but drafts, like the chimpanzees were like while and

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Speaker 2: they were introducing some new timpanzees to them, so they

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Speaker 2: were like we don't even know you, why are you here?

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Speaker 2: So they were screaming and help hoooping and hollering, which

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Speaker 2: was awesome. The gorillas, Honestly, it was an awesome, awesome

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Speaker 2: zoo because it wasn't huge, but it was really well curated,

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Speaker 2: so it was and even though it was good, she

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Speaker 2: was like, honestly, the zoo personnel person that was like

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Speaker 2: kind of touring us was like rainy day because it

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Speaker 2: wasn't super rainy. It was more like less than less

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Speaker 2: than rain, it was more than drizzling. She was like, this,

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Speaker 2: these are days are the best days because it tends

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Speaker 2: to get really hot in Australia and the animals don't

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Speaker 2: want to come out. The animals always have a choice

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Speaker 2: of coming going into their kind of like whatever kind

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Speaker 2: of shelter that they have on their their piece of

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Speaker 2: the zoo. And so when she think when it's really hot,

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Speaker 2: they won't come out, they'll just hang out in their shelter.

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Speaker 2: She sees that they like these overcast, drizzly days. So

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Speaker 2: all of the animals were out like hey boo. So

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Speaker 2: it was awesome.

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Speaker 1: What did you do any like? Uh, what was like

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Speaker 1: splurs that you made while in Australia.

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Speaker 2: Honestly, everything's a freaking splurge. Judy is expensive, it's all hell.

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Speaker 2: I was like, oh, New York, is this you?

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Speaker 3: Like?

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Speaker 2: An egg sandwich was like fifteen dollars and I'm like,

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Speaker 2: what the heck? Everything the food that was our biggest splurge, like,

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Speaker 2: and it wasn't even that we ate fancy, it was

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Speaker 2: just there there are no cheap eats in central Sydney

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Speaker 2: where we were, so that was the zoo wasn't cheap,

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Speaker 2: so that was kind of a splurish. Everything else honestly,

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Speaker 2: like the tour stuff that we did wasn't super like

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Speaker 2: I always do the big red bus. I love doing

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Speaker 2: that the first day so you can kind of see

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Speaker 2: all the sites that's not cheap cheap, but that wasn't

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Speaker 2: super expensive. I would say even the Opera house was.

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Speaker 2: Actually it was free for the most part, and then

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Speaker 2: we took a tour which was like, I don't know,

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Speaker 2: twenty bucks, which was worth it, but definitely.

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Speaker 1: Everything you expected.

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Speaker 2: The opera house inside. Yes, the outside, like I said,

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Speaker 2: I was kind of like, yeah, it's not like like

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Speaker 2: we got a close. I was like, this is tanish,

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Speaker 2: but it's.

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Speaker 1: What is it the lights they shine on it?

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Speaker 2: No, it's the tile, the special made tile for the

184
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Speaker 2: opera house on the outside that when when the sun

185
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Speaker 2: hits it, the tire reflex white. But up close the

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Speaker 2: tire was more of like an off white, so it's

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Speaker 2: not this glimmering, super crisp white thing that you would think.

188
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Speaker 2: But it looks like that from Afar, so it's like

189
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Speaker 2: really beautiful when we take pictures from Afar, but up

190
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Speaker 2: closed it's kind of like, oh, this is cute off

191
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Speaker 2: white tile, you know, off white is kind of like

192
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Speaker 2: it doesn't have that kind of uh I feel. But

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Speaker 2: in pictures, like I said, it looks amazing, but the

194
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Speaker 2: opera house on the inside is absolutely amazing. We took

195
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Speaker 2: a tour about how it was built. It was a

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Speaker 2: great I'm kind of like a when I go to

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Speaker 2: a country or a city, I kind of like to

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Speaker 2: know learn more about the history of how and why

199
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Speaker 2: and stuff like that. So that was cool.

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Speaker 1: Yeah, definitely, Yeah, that was.

201
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Speaker 2: My life adventure. Like it was everything and more. I'm

202
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Speaker 2: glad to be home, Like I was so glad to

203
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Speaker 2: lay in my bed, like, hey Bet, I miss you.

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Speaker 3: Hey Superman, I missed you too.

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Speaker 1: I had an exciting time. I mean, you know, life

206
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Speaker 1: went on while you were on the other side of

207
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Speaker 1: the world. Lots of stuff happened. Well, we were just

208
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Speaker 1: in Savannah. I went back to Savannah. They just I

209
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Speaker 1: just can't quit it this time. I got tricked into

210
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Speaker 1: going back. I got back well on One of our

211
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Speaker 1: girlfriends asked if I knew I wanted to do another

212
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Speaker 1: half marathon. I had done one a couple of years

213
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Speaker 1: ago and had a really great experience, and I did

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Speaker 1: really well, and I always wanted to do another one.

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Speaker 1: And this girlfriend, you know, back in May or June,

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Speaker 1: was like, yeah, let's do the Savannah Marathon. This is awesome,

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Speaker 1: and like when I say I'm going to do something,

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Speaker 1: I really I'm like, and the tickets are bought, the

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Speaker 1: hotel reservations made a hope you don't take hope, it's

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Speaker 1: no take back seats on this whole plan, and I like,

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Speaker 1: I really commit anyway, so she has anyway, So for

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Speaker 1: various reasons, she had a back out on the half marathon,

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Speaker 1: which was a bummer. So I ended up running it

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Speaker 1: by my lonesome, which is fine, It wasn't that, but

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Speaker 1: but the thing is, like I was kind of it's

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Speaker 1: just been so crazy that I didn't train as as

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Speaker 1: well as I did for my first half marathon. Like

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Speaker 1: I went down there having only run so half marathon

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Speaker 1: is thirteen point one miles and I only run six miles.

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Speaker 1: That's my longest race or my longest run before going down.

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Speaker 1: So I was really I wasn't like nervous, but I

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Speaker 1: was telling myself, like, yeah, I'm just gonna stop at

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Speaker 1: six miles and go get brunch and this is silly, yeah,

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Speaker 1: and this is gonna be a half half marathon and

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Speaker 1: ha ha ha whatever. But then of course, like when

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Speaker 1: I get there and like there's just like when you

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Speaker 1: if you've ever done like a race, like I've done

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Speaker 1: a triathlon and half marathons, like these are just the

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Speaker 1: happiest frickin' people because it's like all the endorphins and

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Speaker 1: they're all hopped up on energy, sports strings and stuff,

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Speaker 1: and like everything is just so infectious. And I was like,

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Speaker 1: I can do this. And I ended up running the

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Speaker 1: entire thing and finishing and I have no idea where

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Speaker 1: I pulled it out of but graduation, thank you.

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Speaker 2: So no I saw the pick, So I didn't like

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Speaker 2: that was the Vanna I love Savannah.

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Speaker 1: Yeah, man, I went back and we just said for

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Speaker 1: a couple of days, but it was it was painful.

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Speaker 1: I've been like recovering because I mean I finished, but

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Speaker 1: I I like my legs. I was like the one

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Speaker 1: hobbling through the airport on the way back. I could

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Speaker 1: like hardly get up and down, but just makes you

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Speaker 1: want to do another one. And then I came back

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Speaker 1: early early Sunday because I wanted to watch the New

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Speaker 1: York City Marathon like the real marathon because one of

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Speaker 1: my our cousin, I just I just claimed the cousins

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Speaker 1: as my cousins. Now my beloved cousin is Sarah did

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Speaker 1: the New York City Marathon and it was it was amazing.

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Speaker 1: So I always love to like spectate because that is

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Speaker 1: I don't know that something about the New York City Marathon.

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Speaker 1: It just feels like an eight hour parade in New

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Speaker 1: York City. It's so much fun.

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Speaker 2: I've heard. I saw like some videos of people posting

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Speaker 2: and Elaine what worth or something like that. She's a

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Speaker 2: exec u h wait, I mustn't say he had grown charge,

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Speaker 2: not that had h you know, h h h.

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Speaker 1: Anyway, head bitch in churche.

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Speaker 2: No, but she's literally like and I I don't want

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Speaker 2: to refer to Elaine, but she's the editor thing. Yeah,

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Speaker 2: I see, But I almost said, h whatever I see

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Speaker 2: which is the head negro in charge? But I meant

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Speaker 2: to say, I see the editor and editor. I'm sorry, god,

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Speaker 2: I literally am opted up on It's eleven o'clock in Australia.

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Speaker 2: So anyway, I saw I think I made it worse,

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Speaker 2: but I saw her videos and it were like she

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Speaker 2: was there and it was just amazing, like the energy

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Speaker 2: people were playing, like there was jazz being played, live music,

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Speaker 2: kids dancing, people hugging like it just I didn't realize that.

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Speaker 2: It's it's one of those times that the city really

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Speaker 2: gets together, you know.

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Speaker 1: And I think it because it is less than a

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Speaker 1: week after that the terrorist attack last week, that it

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Speaker 1: really it felt like it felt more important than ever

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Speaker 1: to go out there and and show that New York spirit.

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Speaker 1: Were you talking about Elaine Wentworth from teen Vogue? Yes, okay, gotcha. Sorry, Yes,

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Speaker 1: she's amazing.

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Speaker 2: She is amazing. I feel like she would think that

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Speaker 2: was hilarious.

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Speaker 1: I'm like, ah.

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Speaker 2: Chow, oh my gosh. Okay, So any other news. I mean,

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Speaker 2: there's much going on. I'm like, what we.

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Speaker 1: Have to talk about? Have to do we have to Okay,

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Speaker 1: I'll do it. I'll do the talking if you want.

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Speaker 2: I'm not.

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Speaker 1: Because I know, well, tax reform, Yeah, because the Republicans

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Speaker 1: finally put out their tax reform bill and there's a

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Speaker 1: lot of stuff in there that could impact people and

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Speaker 1: your money. They're coming for your money, and so I think, yeah,

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Speaker 1: I think it's important to talk about it. So this

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Speaker 1: is a tax reform plan that is just has just

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Speaker 1: been put out. They haven't actually voted to pass it yet.

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Speaker 1: I think it with the Senate right now, or sorry,

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Speaker 1: the House and then it goes to the Senate. But

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Speaker 1: they're hoping to pass it by Christmas. But there's a

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Speaker 1: lot of stuff in here that could impact people, like

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Speaker 1: they are changing, like the income tax brackets, and I

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Speaker 1: won't take too much time like going in to explain them.

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Speaker 1: Of course, of course, as we do, there's a we

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Speaker 1: have a great graphic I can share for magnifying money

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Speaker 1: that shows you exactly what's changing with the tax brackets.

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Speaker 1: But you can see they've gone from seven tax brackets

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Speaker 1: to just four. And for some people that means they're

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Speaker 1: going to be paying more in taxes, and for some

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Speaker 1: people it means paying less. But some people are losing

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Speaker 1: and some people are winning. And then they're they're they're

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Speaker 1: getting rid of some tax deductions. So of course, when

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Speaker 1: you cut taxes, you have to make up for the

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Speaker 1: lost revenue somehow, and that generally means on the flip side,

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Speaker 1: they're going to remove some tax breaks that people get,

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Speaker 1: especially in the middle class, so things like mortgage interest

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Speaker 1: tax deduction, is going to be out of off the

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Speaker 1: table deductor mortgage interest or see no, that's not eliminated,

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Speaker 1: it's altered. So for newly purchased home the home mortgage

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Speaker 1: intratroduction is lowered to five hundred thousand dollars right now,

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Speaker 1: it's up to one million dollar home values you're going

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Speaker 1: to They're going to reduce the amount you can deduct

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Speaker 1: for medical expenses. So like right now, if you have

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Speaker 1: medical bills that are over like ten percent of your income,

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Speaker 1: you can deduct those expenses. But that's being reduced, reduced

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Speaker 1: or eliminated. Student loan interest rate deduction is being eliminated

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Speaker 1: under tax reform. So wow, right, and.

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Speaker 2: The student loans are not a headache enough.

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Speaker 1: Yeah, So that's a twenty five hundred dollars tax break

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Speaker 1: that's going to be eliminated if this goes into effect.

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Speaker 1: What else In a lot of states, like you know,

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Speaker 1: you pay your state and local income taxes. Republic the

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Speaker 1: Republican tax plan would end the deduction for state and

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Speaker 1: local income taxes. So in states like New York and

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Speaker 1: California where we pay really high state and local income taxes,

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Speaker 1: this plan would no longer allow you to make to

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Speaker 1: claim those as deductions on your taxes. So just some

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Speaker 1: little just some little niggets. Do I have any good

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Speaker 1: news to share from there? It's not all bad. I

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Speaker 1: don't want to be biased. So one of the things,

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Speaker 1: the positive side of things, is that they're not messing

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Speaker 1: with our four to one K contribution limits, like I

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Speaker 1: think we talked about that. There were the rumors that

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Speaker 1: they were going to reduce it from eighteenzy to twenty

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Speaker 1: five hundred or something, but they're not touching it, so

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Speaker 1: that's still going to be there. And the child tax

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Speaker 1: credit has been expanded, so you can now, yeah, the

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Speaker 1: child the child tax credit is up to sixteen hundred

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Speaker 1: dollars per dependent for parents. It's also going to add

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Speaker 1: a three hundred dollars tax credit if you care for

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Speaker 1: a dependent parent like someone like a grandfather or a

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Speaker 1: dependent relative who's not a child, which I think you

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Speaker 1: know is good, especially for families who are who don't

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Speaker 1: just have children who depend on them. Let's see, and

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Speaker 1: I guess that's good news. I mean, you can take

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Speaker 1: a look at this graph. I mean, so right now,

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Speaker 1: if you're in the like, I'll just give an example.

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Speaker 1: So right now, the twenty eight percent and twenty five

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Speaker 1: percent tax brackets have been combined into one single twenty

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Speaker 1: five percent tax bracket. So if you are on the

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Speaker 1: higher end of that, in the twenty eight percent tax bracket,

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Speaker 1: your taxes may be lowered, and then if you're in

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Speaker 1: the twenty five then they won't be changed at all.

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Speaker 1: That's just one example, okay, and that is your tax brief.

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Speaker 1: But it's important. So if you hate this and you

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Speaker 1: want to tell your elected officials, you should absolutely do

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Speaker 1: that because Trumpeto is pushing them to give us a

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Speaker 1: Christmas tax reform bill, so and actually pass this sucker.

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Speaker 1: So speak now or forever hold your piece.

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Speaker 2: I see, like I see when I see as far

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Speaker 2: as they have a business side to this tax reform,

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Speaker 2: Like I'm just like looking partently permanently lower the top

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Speaker 2: corporate tax rate to twenty percent from its current thirty

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Speaker 2: five percent. How convenient. I'm not surprised by that. I

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Speaker 2: was wondering, I'm like, well, how does this affect like

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Speaker 2: corporate or because like why why should corporations pay less tax?

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Speaker 2: That doesn't make any sense to that, you know, to me.

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Speaker 1: I mean that's like the Republican Republicans have been asking

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Speaker 1: for this for so long. Yeah, I didn't even talk

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Speaker 1: about the corporate side of things, but definitely. I mean

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Speaker 1: that's for that's the GOP platform. Like they want to

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Speaker 1: lower taxes for businesses, and they say that when businesses

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Speaker 1: pay less taxes, they will have more they'll have more

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Speaker 1: room to hire more people, and it will help employment.

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Speaker 1: It's a whole trickle down economic.

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Speaker 2: I was going to play that that that President Reagan

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Speaker 2: proved its bull because it did not happen.

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Speaker 1: They it just but doesn't it sound good. It sounds

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Speaker 1: just great. And of course the estate tax, so you

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Speaker 1: may have heard of that, but that's basically it's it's

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Speaker 1: a rich people's tax because it's basically an a tax

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Speaker 1: on a giant inheritance. So it's people who are leaving

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Speaker 1: large sums of money to their heirs. And with the

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Speaker 1: tax reform bill, they're going to be doubling this estate

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Speaker 1: tax exemption to nearly eleven million dollars and eventually getting

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Speaker 1: rid of it all together. So that's one more perk

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Speaker 1: for the the super rich, is that they won't have

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Speaker 1: to pay taxes on their giant bequeathments. If that's a word.

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Speaker 2: I mean some of it for businesses. I mean, like

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Speaker 2: I own a business, so I'm like, definitely, like I

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Speaker 2: can appreciate some things, but at the same time, I

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Speaker 2: don't mind paying what I should pay so other people

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Speaker 2: can be better. Like one thing, like, well, one thing

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Speaker 2: I see that I do kind of like is that

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Speaker 2: allowing businesses to immediately write off the cost of new

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Speaker 2: equipment rather than depreciating the value. Because that so, for example,

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Speaker 2: I bought a car, like that car that I bought

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Speaker 2: like a couple months ago, and so I bought it

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Speaker 2: under my business name. But it's not like I get

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Speaker 2: to write off the full twenty two thousand dollars like instead,

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Speaker 2: you have to like write it a little bit off

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Speaker 2: a year or something to that effect. On my account

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Speaker 2: was telling me that it's not like woo, you know,

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Speaker 2: like it's slowly but surely you have to appreciate the

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Speaker 2: value of the item. And I'm like, oh, it would

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Speaker 2: be nice to make it simple, like, hey, you bought

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Speaker 2: this thing, it's written off. So yeah, it'll be interesting

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Speaker 2: to see if he's able to pass some sort of legislation.

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Speaker 2: So yeah, guess we'll see.

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Speaker 1: You're yeah, I mean, it sounds like there's some good

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Speaker 1: stuff I mean, like with any this is a this

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Speaker 1: is a huge deal because they have not there hasn't

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Speaker 1: been a tax hasn't been tax reform for like what

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Speaker 1: three decades now, So it's a it's a huge deal

429
00:21:25,000 --> 00:21:26,800
Speaker 1: and it's not. I mean, I feel like some people

430
00:21:26,840 --> 00:21:30,120
Speaker 1: may win, some are definitely going to lose. I don't know. Sure,

431
00:21:30,480 --> 00:21:34,080
Speaker 1: this feels like whereas they've really failed to repeal Obamacare,

432
00:21:34,160 --> 00:21:35,640
Speaker 1: this feels like the kind of thing where they might

433
00:21:35,680 --> 00:21:43,360
Speaker 1: actually succeed. Yeah, a change is Yeah. What else? Oh,

434
00:21:43,400 --> 00:21:47,160
Speaker 1: it's open enrollment season if you have Obamacare or any

435
00:21:47,280 --> 00:21:50,080
Speaker 1: health plan. It's open enrollment season for I have to

436
00:21:50,080 --> 00:21:52,040
Speaker 1: get on my I have I'm not going to miss

437
00:21:52,080 --> 00:21:55,080
Speaker 1: the window this time, you know, miss the window? Yes,

438
00:21:55,960 --> 00:22:00,359
Speaker 1: get on that good government insurance for my husband's insurance. Yeah.

439
00:22:00,359 --> 00:22:02,919
Speaker 1: So anyway, if they only I don't know if I

440
00:22:02,920 --> 00:22:06,160
Speaker 1: feel like the windows get shorter every year, Like our

441
00:22:06,240 --> 00:22:10,120
Speaker 1: company only gave us what ten business days I think

442
00:22:10,160 --> 00:22:14,679
Speaker 1: to pick a plan and get everything settled. And the

443
00:22:14,760 --> 00:22:17,960
Speaker 1: Obamacare enrollment period also is a lot shorter this year.

444
00:22:18,440 --> 00:22:21,080
Speaker 1: You only have until December fifteenth, and they're not doing

445
00:22:21,119 --> 00:22:24,639
Speaker 1: the extended windows like they did before, where you could

446
00:22:25,080 --> 00:22:26,840
Speaker 1: I think they used to be able to pick a

447
00:22:26,880 --> 00:22:29,800
Speaker 1: plan as late as like the end of February, maybe

448
00:22:29,800 --> 00:22:34,639
Speaker 1: March first even, But so if you have Obamacare, you

449
00:22:34,640 --> 00:22:37,600
Speaker 1: need to sign up December fifteenth.

450
00:22:37,800 --> 00:22:39,679
Speaker 2: There's some great tools you can use, Like there's a

451
00:22:39,720 --> 00:22:44,119
Speaker 2: tool it's free called policy Genius. I remember, like I

452
00:22:44,240 --> 00:22:46,919
Speaker 2: used that the last time that I signed up. What

453
00:22:46,920 --> 00:22:48,720
Speaker 2: I liked about it is that because I'm not gonna

454
00:22:48,760 --> 00:22:51,960
Speaker 2: lie the whole like the website for healthcare dot gov

455
00:22:52,040 --> 00:22:56,000
Speaker 2: or whatever was confusing, and so policy genius they don't

456
00:22:56,040 --> 00:22:58,280
Speaker 2: sell health insurance. It was just it made it easy

457
00:22:58,320 --> 00:23:00,639
Speaker 2: because I just kind of put in what I needed

458
00:23:00,800 --> 00:23:04,560
Speaker 2: and they're like, okay, girl, this is the three policies

459
00:23:04,560 --> 00:23:06,200
Speaker 2: you should look into. And when you clicked on it, it

460
00:23:06,160 --> 00:23:09,040
Speaker 2: took me to where that was on the website, you

461
00:23:09,040 --> 00:23:10,480
Speaker 2: see what I mean. So I liked it because it

462
00:23:10,520 --> 00:23:13,080
Speaker 2: was just an easy tool to kind of help me

463
00:23:13,200 --> 00:23:15,320
Speaker 2: navigate when I was feeling confused. You know.

464
00:23:16,119 --> 00:23:19,119
Speaker 1: Yeah, that's a great tool. Yeah, I remember sending up

465
00:23:19,160 --> 00:23:19,760
Speaker 1: for my dad.

466
00:23:19,920 --> 00:23:20,160
Speaker 2: Well.

467
00:23:20,640 --> 00:23:23,879
Speaker 1: On that sad and bright side, a lot of health insurance.

468
00:23:24,480 --> 00:23:27,440
Speaker 1: Health insurance have been exiting the markets in some states,

469
00:23:27,880 --> 00:23:30,080
Speaker 1: so some people may not even have that many options

470
00:23:30,119 --> 00:23:32,680
Speaker 1: to choose choose from which, on the one hand, makes

471
00:23:32,720 --> 00:23:35,000
Speaker 1: things easier, but on the other hand, may make may

472
00:23:35,080 --> 00:23:37,880
Speaker 1: make it that your plans are more expensive because when

473
00:23:37,880 --> 00:23:41,240
Speaker 1: there's less competition, plans premiums tend to be more expensive.

474
00:23:41,320 --> 00:23:45,600
Speaker 1: So yeah, pros and cons. But another thing is that

475
00:23:45,640 --> 00:23:49,320
Speaker 1: the Trump administration has really slashed the budget for those

476
00:23:49,320 --> 00:23:52,359
Speaker 1: healthcare navigators, like the people that you could call and

477
00:23:52,400 --> 00:23:55,120
Speaker 1: they would help you, like they were trained to help

478
00:23:55,160 --> 00:24:00,119
Speaker 1: you pick the right plan, like for Obamacare. Yes, a

479
00:24:00,160 --> 00:24:02,240
Speaker 1: lot of states, like in some states, they don't have

480
00:24:02,280 --> 00:24:05,840
Speaker 1: any at all because they keep slashing the budget. Of course,

481
00:24:05,920 --> 00:24:08,280
Speaker 1: you know, they don't care about Obamacare. They want it

482
00:24:08,320 --> 00:24:11,320
Speaker 1: to fail, so they're doing everything they can to not

483
00:24:11,480 --> 00:24:17,359
Speaker 1: help people have a successful time, like including not advertising

484
00:24:17,880 --> 00:24:20,040
Speaker 1: like as heavily as they used to do for Obamacare

485
00:24:20,320 --> 00:24:21,399
Speaker 1: to like raise awareness.

486
00:24:22,280 --> 00:24:24,120
Speaker 2: I haven't seen hardly any at all.

487
00:24:24,200 --> 00:24:25,960
Speaker 1: Remember they there was like supposed to be a Super

488
00:24:26,000 --> 00:24:30,120
Speaker 1: Bowl ad and they pulled it wow last year, So

489
00:24:30,160 --> 00:24:32,679
Speaker 1: it's all that much harder. But I'm gonna send me

490
00:24:32,680 --> 00:24:34,639
Speaker 1: that link to that policy Genius tool and I'll put

491
00:24:34,640 --> 00:24:35,679
Speaker 1: it in the show notes.

492
00:24:36,280 --> 00:24:38,119
Speaker 2: Okay, yeah, that'll be good because, like I said, I

493
00:24:38,240 --> 00:24:41,879
Speaker 2: liked it because it was super you know what, I

494
00:24:41,880 --> 00:24:44,399
Speaker 2: should email it to the It just like reminded me

495
00:24:44,400 --> 00:24:46,080
Speaker 2: because I send like, you know, weekly emails when I

496
00:24:46,119 --> 00:24:48,879
Speaker 2: remember to the Dreamcatchers, and around the same year, I

497
00:24:48,960 --> 00:24:51,920
Speaker 2: sent it to them as here's a free, awesome resource

498
00:24:52,280 --> 00:24:54,560
Speaker 2: because so many of us were confused about how to

499
00:24:54,600 --> 00:24:56,640
Speaker 2: sign up. And I tried it, and actually I had

500
00:24:56,640 --> 00:24:58,920
Speaker 2: my sister sign up and I said, wasn't easy because

501
00:24:58,920 --> 00:25:01,000
Speaker 2: I was like trying to test it out, baby Lisa.

502
00:25:01,440 --> 00:25:03,800
Speaker 2: She was like, yeah, so easy. So yeah, I'll definitely

503
00:25:03,840 --> 00:25:05,640
Speaker 2: send you a link to use to use it.

504
00:25:06,080 --> 00:25:07,760
Speaker 1: And this is your first year. You don't have you're

505
00:25:07,800 --> 00:25:09,680
Speaker 1: not on Obamacare anymore, right for.

506
00:25:09,640 --> 00:25:11,159
Speaker 2: The yeah, for the first time, I'm like, because the

507
00:25:11,160 --> 00:25:13,639
Speaker 2: first I was like, oh yeah, loo wait, I have

508
00:25:13,760 --> 00:25:15,879
Speaker 2: built in insurance. I told my husband he can never

509
00:25:15,960 --> 00:25:27,800
Speaker 2: quit his job, never ever, all right, So so this

510
00:25:27,920 --> 00:25:29,880
Speaker 2: is kind of random. So for those women who are

511
00:25:31,800 --> 00:25:33,239
Speaker 2: I had to make a decision. So you know, I've

512
00:25:33,240 --> 00:25:35,480
Speaker 2: been telling you guys about my fibroids and whatever. So

513
00:25:35,560 --> 00:25:39,680
Speaker 2: I'm moving down the path toward surgery. Probably were happening

514
00:25:39,680 --> 00:25:43,480
Speaker 2: around February and so I don't know, I mean, I

515
00:25:43,480 --> 00:25:44,840
Speaker 2: don't know if you had to make choices like this

516
00:25:44,920 --> 00:25:48,440
Speaker 2: between your business and your career and like you know

517
00:25:48,920 --> 00:25:51,240
Speaker 2: you're personal, Well obviously we all have to make those choices.

518
00:25:51,280 --> 00:25:54,320
Speaker 2: But I got this amazing opportunity to speak at this

519
00:25:54,520 --> 00:25:59,960
Speaker 2: like four day women's conference in Americash, Morocco, and it's

520
00:26:00,160 --> 00:26:02,399
Speaker 2: all inclusive. You know, they're paying and then they're paying

521
00:26:02,400 --> 00:26:06,080
Speaker 2: like flight, hotel, like food, everything. And I was like,

522
00:26:06,080 --> 00:26:07,840
Speaker 2: oh my god, I would have done. And it's in February,

523
00:26:07,840 --> 00:26:09,800
Speaker 2: which is when I'm supposed to have my five word surgery,

524
00:26:10,320 --> 00:26:11,959
Speaker 2: and so I felt like I was being tested and

525
00:26:12,000 --> 00:26:15,200
Speaker 2: I was like today, of course, my natural knew jerk

526
00:26:15,240 --> 00:26:16,720
Speaker 2: reaction was like I'm going to Morocco.

527
00:26:17,359 --> 00:26:18,600
Speaker 3: But I was just like ugh.

528
00:26:19,240 --> 00:26:21,359
Speaker 2: But then like I'm thirty eight, and I'm just like

529
00:26:21,400 --> 00:26:24,199
Speaker 2: when when do you make time and space? You know?

530
00:26:24,640 --> 00:26:26,800
Speaker 2: And so I just wonder if our if our readers

531
00:26:27,000 --> 00:26:32,280
Speaker 2: tweet me or tweet Brown Ambition or Facebook like about like,

532
00:26:32,320 --> 00:26:34,360
Speaker 2: you know, what decisions have you made? It's hard now

533
00:26:34,400 --> 00:26:38,320
Speaker 2: when it's not just you making decisions like separating like

534
00:26:38,400 --> 00:26:41,760
Speaker 2: your career and your business or you know, and then

535
00:26:42,480 --> 00:26:45,359
Speaker 2: making decison like because this would be an amazing opportunity,

536
00:26:45,359 --> 00:26:47,159
Speaker 2: but at the same time, at what cost to my

537
00:26:47,240 --> 00:26:49,880
Speaker 2: personal like life and goals and so it's just been

538
00:26:49,920 --> 00:26:52,600
Speaker 2: not easy. I'm not gonna lie still vacillating, even though

539
00:26:52,960 --> 00:26:54,800
Speaker 2: eighty percent of me is like, girl, you're gonna stay.

540
00:26:54,800 --> 00:26:57,040
Speaker 2: You're behind home because I already told Superman. He was like, oh,

541
00:26:57,200 --> 00:27:01,919
Speaker 2: sounds cute, but you'll be here. And usually he's like

542
00:27:02,000 --> 00:27:04,840
Speaker 2: really like open, but he was like, babe, like you've

543
00:27:04,840 --> 00:27:06,520
Speaker 2: been to Morocca before me, while I've been to Morocco.

544
00:27:06,520 --> 00:27:08,560
Speaker 2: It's not gonna haven't been. I was like, I know,

545
00:27:08,680 --> 00:27:11,240
Speaker 2: but it's just like a different.

546
00:27:11,600 --> 00:27:14,399
Speaker 1: Kind of sounds like people deciding whether or not to

547
00:27:14,440 --> 00:27:18,280
Speaker 1: do drugs, Like how does this play into my overall

548
00:27:18,320 --> 00:27:19,600
Speaker 1: plan for my life?

549
00:27:20,440 --> 00:27:23,679
Speaker 2: I know, I know, but then at what cost? Because

550
00:27:23,800 --> 00:27:25,480
Speaker 2: it's like if I keep pushing it back and pushing

551
00:27:25,480 --> 00:27:27,720
Speaker 2: it back, because you know, because it's not just having

552
00:27:27,760 --> 00:27:30,040
Speaker 2: one because from what I understand, like I've been talking

553
00:27:30,040 --> 00:27:32,680
Speaker 2: to my doctor, get your surgery, but it's about six

554
00:27:32,720 --> 00:27:35,760
Speaker 2: weeks that you're kind of like out of commission, you know,

555
00:27:35,960 --> 00:27:38,760
Speaker 2: and so well at least six weeks that you're not

556
00:27:38,760 --> 00:27:41,000
Speaker 2: able to leave the house, or at least the first

557
00:27:41,040 --> 00:27:42,920
Speaker 2: two weeks and then another four weeks of like kind

558
00:27:42,920 --> 00:27:46,000
Speaker 2: of like recovery. So that part I'm not too worried

559
00:27:46,000 --> 00:27:48,119
Speaker 2: about because I don't leave the house anyway except for

560
00:27:48,280 --> 00:27:52,200
Speaker 2: like to travel for business. But it's like, well tivity.

561
00:27:52,200 --> 00:27:54,760
Speaker 2: And then after that there's actually like you know, like

562
00:27:55,080 --> 00:27:59,800
Speaker 2: trying to have the baby, and so it's just it's

563
00:27:59,800 --> 00:28:02,480
Speaker 2: just a lot of shifting that's that's gonna have to happen.

564
00:28:02,560 --> 00:28:05,840
Speaker 2: And I'm like, I'm wondering, like how women who are

565
00:28:05,880 --> 00:28:10,000
Speaker 2: like really like okay, like go hard for their career

566
00:28:10,080 --> 00:28:12,600
Speaker 2: or their business, but I also want to have a family.

567
00:28:12,640 --> 00:28:15,639
Speaker 2: How do you like navigate those things? Because I'm not

568
00:28:15,640 --> 00:28:18,000
Speaker 2: gonna lie. I'm worried about like, ah, so let's just

569
00:28:18,040 --> 00:28:21,880
Speaker 2: say all good news, surgery goes well, I get pregnant

570
00:28:21,960 --> 00:28:25,520
Speaker 2: next year. Wait, I have two businesses working on the third.

571
00:28:25,560 --> 00:28:28,200
Speaker 2: How does that all work? So I'm not gonna lie

572
00:28:28,280 --> 00:28:30,000
Speaker 2: more than a little bit nervous. So I'd be curious

573
00:28:30,000 --> 00:28:33,320
Speaker 2: for our listeners to kind of give their two sents

574
00:28:33,359 --> 00:28:36,960
Speaker 2: of what they have done too. Like I watch Adrina

575
00:28:37,200 --> 00:28:40,080
Speaker 2: and she actually has done such an incredible job, but

576
00:28:40,160 --> 00:28:42,200
Speaker 2: she it's hard for her. She has a two year

577
00:28:42,240 --> 00:28:45,000
Speaker 2: old and she runs her own company, She travels a lot,

578
00:28:45,040 --> 00:28:47,960
Speaker 2: she travels more than I do, and so it's hard,

579
00:28:48,800 --> 00:28:51,280
Speaker 2: you know, her navigating that. So I just wonder, like,

580
00:28:51,280 --> 00:28:52,720
Speaker 2: what does that look like? What do you do? What

581
00:28:52,760 --> 00:28:54,680
Speaker 2: are some things that could put in place now, you

582
00:28:54,720 --> 00:28:56,640
Speaker 2: know for those of you women who are like, you know,

583
00:28:56,880 --> 00:29:00,920
Speaker 2: super career focused and business focused. So, yeah, what's our twitter.

584
00:29:00,720 --> 00:29:03,360
Speaker 1: Again at the BA podcast?

585
00:29:04,320 --> 00:29:05,760
Speaker 2: At the BA podcast, so you can tweet me at

586
00:29:05,880 --> 00:29:08,320
Speaker 2: the Budgeti's still or send us a Facebook message, you know,

587
00:29:08,600 --> 00:29:11,360
Speaker 2: because we're sometimes the other part of the BA podcast

588
00:29:11,480 --> 00:29:15,560
Speaker 2: we're you know, aside from personal finance, is like career

589
00:29:16,320 --> 00:29:19,080
Speaker 2: and business. And so I know some of you guys,

590
00:29:19,440 --> 00:29:22,000
Speaker 2: most of us, I'm sure if most of y'all are working.

591
00:29:22,600 --> 00:29:24,280
Speaker 2: And so what does that look like if you're already

592
00:29:24,320 --> 00:29:26,160
Speaker 2: a mom or your mom to be, or you're planning

593
00:29:26,200 --> 00:29:27,480
Speaker 2: to be a mom, Like, what are some things that

594
00:29:27,520 --> 00:29:30,680
Speaker 2: you have planned in order to work or somethings you've

595
00:29:30,680 --> 00:29:33,160
Speaker 2: done that's been successful helping you make the transition?

596
00:29:35,760 --> 00:29:37,160
Speaker 1: Yeah, I have no I can't help you there.

597
00:29:37,160 --> 00:29:37,280
Speaker 3: All.

598
00:29:37,640 --> 00:29:39,880
Speaker 1: All I will say is that there, I don't know,

599
00:29:40,040 --> 00:29:43,160
Speaker 1: just have the baby and figure it out, Like fine,

600
00:29:44,320 --> 00:29:44,800
Speaker 1: you'll be.

601
00:29:44,720 --> 00:29:47,400
Speaker 2: Fine, right, I would like baddy. Wait, the baby's crying

602
00:29:47,440 --> 00:29:50,720
Speaker 2: in the background. Hold on, girl trying to pay off podcast.

603
00:29:51,200 --> 00:29:54,160
Speaker 1: My really good friends just had a baby. Congrats Kristen.

604
00:29:55,560 --> 00:29:57,440
Speaker 1: She's a little Hallerween baby.

605
00:29:57,560 --> 00:29:58,880
Speaker 2: A cute name Rayah.

606
00:29:59,560 --> 00:30:03,640
Speaker 1: Yeah. Yeah. And I don't know, man, she she had

607
00:30:03,640 --> 00:30:06,880
Speaker 1: to do it. She only gets very limited like maternity

608
00:30:06,960 --> 00:30:11,360
Speaker 1: leave because she's a nurse, and I think it's like

609
00:30:11,480 --> 00:30:13,880
Speaker 1: ten weeks because she hasn't been there a full year yet,

610
00:30:14,200 --> 00:30:16,760
Speaker 1: so it's just the bare minimum of whatever the Federal

611
00:30:18,360 --> 00:30:21,720
Speaker 1: Uh Leave Act like requires. And I don't know, I

612
00:30:21,720 --> 00:30:24,600
Speaker 1: don't show. Thank god. Her husband works for Etsy, which

613
00:30:24,640 --> 00:30:27,280
Speaker 1: is like this, you know, you know what Etsy is.

614
00:30:27,560 --> 00:30:29,680
Speaker 1: But they have like a really liberal like six month

615
00:30:30,280 --> 00:30:34,960
Speaker 1: family leave policy like for mothers and fathers. So that's

616
00:30:35,120 --> 00:30:37,000
Speaker 1: so it's like an interesting like flip. Usually it's the

617
00:30:37,040 --> 00:30:38,680
Speaker 1: mom taking off the most time, but it looks like

618
00:30:38,720 --> 00:30:42,480
Speaker 1: her husband might have to take off more time, and

619
00:30:42,480 --> 00:30:44,120
Speaker 1: they're just kind of like figuring it out as they go.

620
00:30:45,480 --> 00:30:48,240
Speaker 2: Yeah, and that's I guess that's parenthood, figuring it out,

621
00:30:48,280 --> 00:30:51,640
Speaker 2: figuring it out as you go, you know, And it

622
00:30:51,720 --> 00:30:55,600
Speaker 2: forces you to really prioritize because from what I can see,

623
00:30:55,640 --> 00:30:57,600
Speaker 2: like of like the new moms that I know, they're like, girl,

624
00:30:57,680 --> 00:31:02,320
Speaker 2: I don't have time for what that like, you know,

625
00:31:02,520 --> 00:31:06,719
Speaker 2: like really prioritizing your time and your energy and your space.

626
00:31:07,280 --> 00:31:10,120
Speaker 2: So yes, ooh good news about the house though, are

627
00:31:10,160 --> 00:31:11,520
Speaker 2: supposed to be closing on the twenty eighth.

628
00:31:12,240 --> 00:31:13,840
Speaker 1: This has been a long process.

629
00:31:14,120 --> 00:31:16,640
Speaker 2: What I feel like I have been the poster child

630
00:31:16,760 --> 00:31:20,280
Speaker 2: of how in the hell is this along to buy

631
00:31:20,280 --> 00:31:24,280
Speaker 2: a house? So yeah, because you know, it's been so crazy,

632
00:31:24,320 --> 00:31:26,680
Speaker 2: I mean just in general, not just even this particular house,

633
00:31:26,720 --> 00:31:31,480
Speaker 2: like just the house buying search and process, and so

634
00:31:31,600 --> 00:31:34,920
Speaker 2: apparently when you buy a foreclosure, it's very common to

635
00:31:35,000 --> 00:31:38,280
Speaker 2: have little glitches and hiccups along the way. The city

636
00:31:38,320 --> 00:31:43,000
Speaker 2: of Newark is is becoming more and more digital, so

637
00:31:43,080 --> 00:31:46,320
Speaker 2: as a result, some of the processes are were fully

638
00:31:46,360 --> 00:31:48,600
Speaker 2: fleshed out. So we have to get a CO which

639
00:31:48,640 --> 00:31:51,240
Speaker 2: is a certificate of occupacy, which basically says this house

640
00:31:51,320 --> 00:31:54,040
Speaker 2: is safe, you can sell it. And so they had

641
00:31:54,040 --> 00:31:59,480
Speaker 2: it online that only the seller could apply and pick

642
00:31:59,560 --> 00:32:01,640
Speaker 2: up the sea. But the seller is a bank in

643
00:32:01,640 --> 00:32:04,680
Speaker 2: the Midwest, so that doesn't even make sense. And so

644
00:32:04,720 --> 00:32:06,760
Speaker 2: we kept pushing the city of Newark, like you know,

645
00:32:06,800 --> 00:32:10,520
Speaker 2: you're making your it's impossible. So literally, anyone who has

646
00:32:10,520 --> 00:32:13,560
Speaker 2: a foreclosed property and the it's not a person is

647
00:32:13,600 --> 00:32:15,920
Speaker 2: not going to be able to sell their house. So

648
00:32:15,960 --> 00:32:17,840
Speaker 2: it's a few weeks of confusion. So they finally the

649
00:32:17,840 --> 00:32:20,440
Speaker 2: City of Newarker realized, oops, so now if you go online,

650
00:32:20,440 --> 00:32:22,680
Speaker 2: now you have to get the CEO one they're allowing

651
00:32:22,680 --> 00:32:25,120
Speaker 2: the buyer to apply for it. Or if you are

652
00:32:25,240 --> 00:32:27,720
Speaker 2: a seller, that's that's you know, like a bank or

653
00:32:27,760 --> 00:32:30,720
Speaker 2: it's a foreclosed property, you could go about it a

654
00:32:30,720 --> 00:32:33,800
Speaker 2: different way. So that was that was literally the only

655
00:32:33,840 --> 00:32:35,440
Speaker 2: thing holding us up is we have to get this

656
00:32:35,480 --> 00:32:38,880
Speaker 2: piece of paper that you get once you apparently with

657
00:32:38,880 --> 00:32:41,120
Speaker 2: the CEO you have people from the city come like

658
00:32:41,160 --> 00:32:43,000
Speaker 2: you have to fire people, some other cold people to

659
00:32:43,040 --> 00:32:46,320
Speaker 2: say this house is not there's no risk in living

660
00:32:46,400 --> 00:32:49,400
Speaker 2: in this house. Yet the house can change hands. So

661
00:32:49,440 --> 00:32:50,760
Speaker 2: that's what we've been waiting on for weeks and weeks

662
00:32:50,760 --> 00:32:53,120
Speaker 2: and weeks, and so finally we applied and the next

663
00:32:53,120 --> 00:32:56,000
Speaker 2: couple of weeks will have the fire people and the

664
00:32:56,040 --> 00:32:58,840
Speaker 2: other inspection people come out to certify the house is

665
00:32:58,880 --> 00:33:02,880
Speaker 2: indeed safe, and then we closed on the twenty eighth

666
00:33:02,920 --> 00:33:07,600
Speaker 2: of November, right after Thanksgiving, which I think is very appropriate.

667
00:33:07,840 --> 00:33:10,719
Speaker 2: So I'm super duper excited. Quiet as it's kept though

668
00:33:10,720 --> 00:33:12,520
Speaker 2: we halfway moved in because we got the keys.

669
00:33:15,120 --> 00:33:16,000
Speaker 1: You're already moving in.

670
00:33:16,680 --> 00:33:19,760
Speaker 2: No, But it's funny because like we like, well like

671
00:33:19,800 --> 00:33:22,600
Speaker 2: Superman has gotten we have like all this like stuff,

672
00:33:23,560 --> 00:33:26,200
Speaker 2: Like we're like, so he's gone there, already cleaned out

673
00:33:26,240 --> 00:33:28,760
Speaker 2: some things, moved it because it's still like people stuff

674
00:33:28,760 --> 00:33:31,160
Speaker 2: in there, so like like put some of our things

675
00:33:31,160 --> 00:33:33,080
Speaker 2: in there. I'm like, we haven't even bought the house.

676
00:33:33,080 --> 00:33:34,440
Speaker 2: She he was like, the vek is in the Midwest,

677
00:33:34,440 --> 00:33:37,360
Speaker 2: what are they gonna do? And so yeah, we've been

678
00:33:37,480 --> 00:33:41,160
Speaker 2: very very very disrespectful with their time and been like whatever,

679
00:33:41,200 --> 00:33:43,200
Speaker 2: this is our house. So I'm just excited that it's

680
00:33:43,240 --> 00:33:45,680
Speaker 2: finally like I could see the light at the end

681
00:33:45,720 --> 00:33:47,640
Speaker 2: of the tunnel because I really was, like, I just

682
00:33:47,640 --> 00:33:51,400
Speaker 2: want to give a shout out to my uh my

683
00:33:51,560 --> 00:33:56,040
Speaker 2: girl Amina, who has been the most amazing realtor. She

684
00:33:56,440 --> 00:33:59,000
Speaker 2: is a fighter. I mean she they literally changed the

685
00:33:59,040 --> 00:34:02,520
Speaker 2: policy because of how much she fought, and so like

686
00:34:02,600 --> 00:34:04,480
Speaker 2: the City of Newark, like this doesn't make sense, it

687
00:34:04,520 --> 00:34:06,360
Speaker 2: doesn't make sense. So she has been going so hard.

688
00:34:06,560 --> 00:34:08,880
Speaker 2: There's very few people that I meet in business and

689
00:34:08,920 --> 00:34:12,279
Speaker 2: in life that go above and beyond. And when you

690
00:34:12,280 --> 00:34:14,880
Speaker 2: meet someone like that, it's like, you know, meeting a unicorn.

691
00:34:15,239 --> 00:34:19,239
Speaker 2: Amina is like five unicorns. She is like five four

692
00:34:19,480 --> 00:34:23,600
Speaker 2: and like eighty pounds silking web. And Amina, meanwhile, has

693
00:34:23,640 --> 00:34:25,960
Speaker 2: five kids, all over the age of seven. And this

694
00:34:26,000 --> 00:34:28,959
Speaker 2: woman is a powerhouse. And if she's a young woman,

695
00:34:29,000 --> 00:34:30,399
Speaker 2: she's in her thirties, like, you know.

696
00:34:30,880 --> 00:34:33,719
Speaker 1: The age of seven. Hold on a second, yes, five kids.

697
00:34:34,480 --> 00:34:37,319
Speaker 2: To ask her for advice, I got guys should and

698
00:34:37,320 --> 00:34:39,799
Speaker 2: they're so like I've been to her house and those kids,

699
00:34:39,800 --> 00:34:42,799
Speaker 2: they're so beautiful. She's got such a beautiful family. But

700
00:34:43,360 --> 00:34:45,840
Speaker 2: typically you would think there's no way, how is she

701
00:34:45,880 --> 00:34:47,440
Speaker 2: going to be able to manage all of these cause

702
00:34:47,440 --> 00:34:50,840
Speaker 2: I'm not obviously her only client, but she does, and

703
00:34:50,880 --> 00:34:54,880
Speaker 2: she is amazing, amazing people ask me, okay share, the

704
00:34:54,920 --> 00:35:00,080
Speaker 2: answer is now no. I always asking me that. She's like,

705
00:35:00,920 --> 00:35:02,520
Speaker 2: She's like, I don't take all too many clients, obviously

706
00:35:02,560 --> 00:35:05,000
Speaker 2: because her kids come first. But when you find the

707
00:35:05,080 --> 00:35:07,520
Speaker 2: right person to help you with your such like, she's

708
00:35:07,560 --> 00:35:10,160
Speaker 2: made magic happen. So yeah, I just want to give

709
00:35:10,200 --> 00:35:12,080
Speaker 2: her a little shout a Mina, and thank you for

710
00:35:12,160 --> 00:35:16,279
Speaker 2: just making this this impossible process possible. She said, Oh no,

711
00:35:16,320 --> 00:35:17,280
Speaker 2: we got to get you a house.

712
00:35:18,520 --> 00:35:21,360
Speaker 1: So awesome. All right, thanksgiving miracle.

713
00:35:21,960 --> 00:35:35,000
Speaker 3: Yes, so brown boosts, brown break. What you're gonna do?

714
00:35:35,520 --> 00:35:36,680
Speaker 3: Boost or break?

715
00:35:36,800 --> 00:35:39,160
Speaker 2: Am I gonna come for you? Are you gonna have boost?

716
00:35:39,200 --> 00:35:40,000
Speaker 2: Are you gonna break?

717
00:35:40,120 --> 00:35:44,040
Speaker 1: I'm gonna take a boost opportunity to have an opportunity

718
00:35:44,200 --> 00:35:47,520
Speaker 1: to boost. I don't think I've boosted ally Bank in

719
00:35:47,560 --> 00:35:51,160
Speaker 1: a long time, but I needs to give them a

720
00:35:51,160 --> 00:35:54,480
Speaker 1: shout out. I'm very I feel like, weirdly loyal to

721
00:35:54,560 --> 00:35:58,480
Speaker 1: ally Bank for my savings. What is it about them?

722
00:35:58,560 --> 00:36:01,120
Speaker 1: Is it like the purple color? Is it those delicious

723
00:36:01,440 --> 00:36:03,719
Speaker 1: Is it the cookies that they put out at conferences

724
00:36:03,719 --> 00:36:05,080
Speaker 1: that just taste so good? Like?

725
00:36:05,080 --> 00:36:05,680
Speaker 2: What is it?

726
00:36:06,680 --> 00:36:08,880
Speaker 1: But I it brought it came to mind because my

727
00:36:08,880 --> 00:36:11,520
Speaker 1: little brother, I've been helping him with his like oh

728
00:36:11,560 --> 00:36:13,160
Speaker 1: and he listens to the podcast. Now it's now I

729
00:36:13,200 --> 00:36:16,840
Speaker 1: gotta wash my mouth. But anyway, he had asked me

730
00:36:16,880 --> 00:36:19,960
Speaker 1: for help finding an online savings accountant and he's like, okay, Well,

731
00:36:19,960 --> 00:36:23,680
Speaker 1: based on the top five online rates right now, Ally

732
00:36:23,760 --> 00:36:25,440
Speaker 1: isn't number one. And I'm like, yeah, but it's like

733
00:36:25,560 --> 00:36:28,800
Speaker 1: number three, and I've been with it for so long,

734
00:36:28,880 --> 00:36:31,480
Speaker 1: and I just feel this inexplicable tie to it. And

735
00:36:31,520 --> 00:36:34,360
Speaker 1: I don't mind the fact that it's like zero point

736
00:36:34,440 --> 00:36:37,960
Speaker 1: one percent, like less than some other online savings options

737
00:36:37,960 --> 00:36:40,799
Speaker 1: out there. I think. I think it's still a great bank.

738
00:36:40,880 --> 00:36:42,879
Speaker 1: And one thing I'll say is like for the last

739
00:36:42,880 --> 00:36:45,600
Speaker 1: six months, there's been this like as rates have been

740
00:36:45,680 --> 00:36:50,000
Speaker 1: rising incrementally over all over the board, like these online

741
00:36:50,040 --> 00:36:54,520
Speaker 1: savings banks have or sorry, online banks have been really competing,

742
00:36:54,600 --> 00:36:56,680
Speaker 1: and I feel like every other month there's been an

743
00:36:56,680 --> 00:36:59,200
Speaker 1: email saying we've raised our rate. We raised our rate

744
00:36:59,280 --> 00:37:01,400
Speaker 1: like a little bit at a time, and Ally has

745
00:37:01,440 --> 00:37:04,600
Speaker 1: constantly been has been there ratcheting up its rate a

746
00:37:04,600 --> 00:37:06,640
Speaker 1: little bit at a time as the competitors have been

747
00:37:06,680 --> 00:37:09,919
Speaker 1: raising their rates. So I feel good about like hanging out.

748
00:37:09,960 --> 00:37:13,840
Speaker 1: But it's just if you're stuck with like a crappy

749
00:37:14,600 --> 00:37:20,600
Speaker 1: brick and mortar bank like Bank of whatever, and you're

750
00:37:20,719 --> 00:37:24,799
Speaker 1: making like point zero zero zero zero negative money on

751
00:37:24,840 --> 00:37:27,960
Speaker 1: your savings, like there's no excuse anymore. Like online banks

752
00:37:28,080 --> 00:37:30,399
Speaker 1: have proven that they are reliable, that they're not going

753
00:37:30,440 --> 00:37:33,279
Speaker 1: anywhere your money is insured, you should take the time

754
00:37:33,320 --> 00:37:36,880
Speaker 1: and transfer your money to your savings. You know, your savings,

755
00:37:37,000 --> 00:37:40,239
Speaker 1: especially to a high yield savings account. There's just no

756
00:37:40,280 --> 00:37:44,200
Speaker 1: reason not to. And I like ally, but there's Charles Schwab,

757
00:37:44,239 --> 00:37:47,200
Speaker 1: there's Gold and Sachs. I think my brother went with Synchrony,

758
00:37:47,280 --> 00:37:49,919
Speaker 1: has an online bank account. There's a lot of other

759
00:37:50,080 --> 00:37:52,080
Speaker 1: options now, like way more than there used to be,

760
00:37:53,200 --> 00:37:55,600
Speaker 1: like when I first opened Mind several years ago. So

761
00:37:56,640 --> 00:38:00,400
Speaker 1: that's my shout out. I mean, my brain, my bo.

762
00:38:00,280 --> 00:38:03,560
Speaker 2: When I got that email, I was like my Monday definitely,

763
00:38:03,600 --> 00:38:07,959
Speaker 2: that was awesome. I wanted to take a break from

764
00:38:08,000 --> 00:38:13,520
Speaker 2: American Airlines. Yes, I said it. Thank you for making

765
00:38:13,719 --> 00:38:17,360
Speaker 2: uh the most stressful trip home. It just was crazy,

766
00:38:17,440 --> 00:38:19,879
Speaker 2: Like I will say this, so I'll do a break

767
00:38:19,880 --> 00:38:23,840
Speaker 2: in a boost. American Airlines. You're a trash because there's

768
00:38:23,880 --> 00:38:26,960
Speaker 2: nothing more heartbreaking than depoorting a plane twice. You get

769
00:38:27,000 --> 00:38:28,719
Speaker 2: on the plane, you're like, yes, I've got to go home,

770
00:38:28,800 --> 00:38:31,640
Speaker 2: last leg of this long journey. You're deboard because of

771
00:38:31,680 --> 00:38:36,520
Speaker 2: whatever technical issues and you're like, okay, no big geting there,

772
00:38:36,520 --> 00:38:37,759
Speaker 2: Like it's gonna be a two hour weaight, but then

773
00:38:37,800 --> 00:38:39,239
Speaker 2: they cut it down to an hour and you're like weo,

774
00:38:39,239 --> 00:38:41,040
Speaker 2: we back on, and then you get on the plane

775
00:38:41,200 --> 00:38:43,319
Speaker 2: ready to go, and then they deboard you and say, oh,

776
00:38:43,320 --> 00:38:45,960
Speaker 2: by the way, we're canceled. I wanted to like run

777
00:38:45,960 --> 00:38:49,319
Speaker 2: through the plane screaming, but so it broke because I

778
00:38:49,360 --> 00:38:51,840
Speaker 2: was like, it was literally my last it was my

779
00:38:51,920 --> 00:38:54,360
Speaker 2: third and final flight of the evening. So I understly,

780
00:38:54,360 --> 00:38:58,279
Speaker 2: I'm not gonna lie. I started crying. I was so

781
00:38:58,280 --> 00:39:01,720
Speaker 2: tired and frustrated. I was like, wait, I left Australia yesterday,

782
00:39:01,760 --> 00:39:05,239
Speaker 2: I'm still traveling in these clothes. I probably like I

783
00:39:05,320 --> 00:39:08,200
Speaker 2: just I have not taken a shower in like fourteen hours,

784
00:39:08,520 --> 00:39:10,080
Speaker 2: and I want to go.

785
00:39:10,719 --> 00:39:13,520
Speaker 1: And so you shouldst TOAACP.

786
00:39:14,160 --> 00:39:16,080
Speaker 2: I know, right, But honestly, I booked this trip before

787
00:39:16,080 --> 00:39:18,719
Speaker 2: all that. But yeah, so yes, American Airlines, you're trash.

788
00:39:18,800 --> 00:39:21,200
Speaker 2: You get a brown break, But who does get a boosted?

789
00:39:21,960 --> 00:39:24,840
Speaker 2: I called because so here's a little tip. If you

790
00:39:24,960 --> 00:39:29,160
Speaker 2: ever have your flight canceled, do not wait in that

791
00:39:29,280 --> 00:39:31,520
Speaker 2: long customer service line, because by the time you get there,

792
00:39:31,840 --> 00:39:34,040
Speaker 2: whatever flights that they're gonna rebook you and have already

793
00:39:34,040 --> 00:39:36,400
Speaker 2: been probably filled by the people before you. So instead

794
00:39:36,480 --> 00:39:40,200
Speaker 2: just call them. So I called the American Airlines and

795
00:39:40,480 --> 00:39:42,279
Speaker 2: the first woman and she was really helpful, but she

796
00:39:42,320 --> 00:39:44,759
Speaker 2: was like, oh, we could fly you into Newark tomorrow.

797
00:39:45,160 --> 00:39:47,000
Speaker 2: I'm like, oh, because I'm gonna sleep on the airplane

798
00:39:47,040 --> 00:39:51,560
Speaker 2: floor now. Then I called back and then the second

799
00:39:51,560 --> 00:39:54,239
Speaker 2: woman was like, you know what, there's a flight into

800
00:39:54,320 --> 00:39:57,200
Speaker 2: La Guardia and it lands at like you know, it

801
00:39:57,280 --> 00:39:59,440
Speaker 2: leads in an hour. So she was so helpful and

802
00:39:59,480 --> 00:40:01,160
Speaker 2: she's like, what your email addressed? And I told her

803
00:40:01,160 --> 00:40:03,279
Speaker 2: the budget needs to edd email, which is like my

804
00:40:03,280 --> 00:40:06,400
Speaker 2: personal email dress, do not email me. And she was

805
00:40:06,440 --> 00:40:10,560
Speaker 2: like budget is. She was a DreamCatcher. Her name was Shakira,

806
00:40:11,000 --> 00:40:15,920
Speaker 2: and Shakira was so nice and friendly and accommodating, and

807
00:40:15,960 --> 00:40:17,759
Speaker 2: I said, we ended up having a good key key

808
00:40:17,800 --> 00:40:19,279
Speaker 2: and she was like, girl'll get your emails. You help

809
00:40:19,320 --> 00:40:20,759
Speaker 2: me get my life together. Oh my god.

810
00:40:21,480 --> 00:40:21,680
Speaker 3: Yeah.

811
00:40:21,880 --> 00:40:25,200
Speaker 2: And honestly, I said, Shakira, because but by then I

812
00:40:25,200 --> 00:40:27,040
Speaker 2: was still like still wobbly in the vorce. I said,

813
00:40:27,080 --> 00:40:29,799
Speaker 2: I was about to light American Airlines on fire on

814
00:40:29,840 --> 00:40:33,000
Speaker 2: social media, but because of you, girl, I'm gona wait

815
00:40:33,040 --> 00:40:37,640
Speaker 2: till tomorrow. And she was rolling and I said no,

816
00:40:37,680 --> 00:40:40,240
Speaker 2: but honestly, I was really going to go to Twitter

817
00:40:40,320 --> 00:40:44,080
Speaker 2: and like you know, really like assault American Airlines in

818
00:40:44,120 --> 00:40:47,080
Speaker 2: a nice nasty way, like you know, like going through

819
00:40:47,080 --> 00:40:50,720
Speaker 2: my time in my day with what how what American

820
00:40:50,719 --> 00:40:53,680
Speaker 2: Airlines put me through? But because of Shakira, it piut

821
00:40:53,680 --> 00:40:56,000
Speaker 2: me in such a good space because she was, like

822
00:40:56,000 --> 00:40:59,080
Speaker 2: I said, it was so nice so accommodating was like

823
00:40:59,160 --> 00:41:00,800
Speaker 2: you know what, it took her a good ten minutes

824
00:41:00,840 --> 00:41:02,960
Speaker 2: to kind of like look through. She looked through every

825
00:41:03,000 --> 00:41:05,960
Speaker 2: possible scenario and found me this one seat I had

826
00:41:05,960 --> 00:41:07,480
Speaker 2: to fly in some local party of books such as

827
00:41:07,520 --> 00:41:09,279
Speaker 2: Life and if she even said, like you know your

828
00:41:09,320 --> 00:41:12,120
Speaker 2: Uber ride, here's the website that you go to to

829
00:41:12,239 --> 00:41:14,720
Speaker 2: send like proof and like you know, explain what happened

830
00:41:14,760 --> 00:41:16,120
Speaker 2: and to see if you can get your money back

831
00:41:16,160 --> 00:41:18,920
Speaker 2: for the uber ride. So Shakira, here's to you. You

832
00:41:19,040 --> 00:41:22,000
Speaker 2: are Brown Ambition personified. And if I would have known,

833
00:41:22,040 --> 00:41:23,480
Speaker 2: I wouldn't have thought about it, but I would have

834
00:41:23,520 --> 00:41:24,879
Speaker 2: told her, girl, what's your email? I just I will

835
00:41:24,880 --> 00:41:27,919
Speaker 2: send you like some swag or book or something, because

836
00:41:27,960 --> 00:41:30,480
Speaker 2: she just was really excellent. So Brown boost to you, Shakira.

837
00:41:30,760 --> 00:41:33,200
Speaker 2: But the company you work for is a break today.

838
00:41:34,560 --> 00:41:37,840
Speaker 1: That's awesome. That was almost I'm gonna I'm gonna transition

839
00:41:37,920 --> 00:41:40,000
Speaker 1: that to a boost actually, because actually.

840
00:41:41,320 --> 00:41:44,440
Speaker 2: I'm up here. That's true. We're gonna upgrade. We're let

841
00:41:44,440 --> 00:41:47,080
Speaker 2: me uprage. We gotta Shakira.

842
00:41:47,200 --> 00:41:51,240
Speaker 1: I got recognized by an airline attendant on the phone.

843
00:41:51,320 --> 00:41:52,160
Speaker 1: That's like awesome.

844
00:41:53,200 --> 00:41:56,239
Speaker 2: Yeah, that was really awesome. I was like, Sakia girl.

845
00:41:56,280 --> 00:41:58,239
Speaker 1: Hey, I'm gonna use your email address next time I

846
00:41:58,239 --> 00:42:00,239
Speaker 1: need to get change to yes.

847
00:42:01,400 --> 00:42:10,279
Speaker 2: Yes, oh yeah, that was that was definitely different. Oh

848
00:42:10,360 --> 00:42:15,759
Speaker 2: my god, I'm sure we have some awesome questions from listeners.

849
00:42:16,440 --> 00:42:18,880
Speaker 1: Yes, per usual. Yeah, we have a couple of questions.

850
00:42:18,880 --> 00:42:21,919
Speaker 1: I'll pull up right now from the reader in box,

851
00:42:21,920 --> 00:42:24,080
Speaker 1: and if you have questions, you can email us at

852
00:42:24,120 --> 00:42:27,680
Speaker 1: Brown Ambition Podcast at gmail dot com or go to

853
00:42:27,800 --> 00:42:33,120
Speaker 1: Brand Ambition podcast dot com. Okay, come on, thank you.

854
00:42:33,840 --> 00:42:37,080
Speaker 2: Sorry I forgot I was like wait, wait it's time.

855
00:42:37,680 --> 00:42:39,600
Speaker 1: Your dot com is on Australian time.

856
00:42:40,320 --> 00:42:40,640
Speaker 2: Yes.

857
00:42:41,719 --> 00:42:44,200
Speaker 1: Yeah, So first question comes from so. One is a

858
00:42:44,280 --> 00:42:46,239
Speaker 1: credit question, and then we have which I think is

859
00:42:46,280 --> 00:42:48,640
Speaker 1: a good credit question that people may not think to ask,

860
00:42:48,719 --> 00:42:50,479
Speaker 1: but I thought that was good. And then another one

861
00:42:50,560 --> 00:42:55,399
Speaker 1: on savings. So first question from listener Kai. She says,

862
00:42:55,440 --> 00:42:58,479
Speaker 1: I've recently obtained my first credit card, and I'm hoping

863
00:42:58,520 --> 00:43:00,720
Speaker 1: you can help me understand how the timing of credit

864
00:43:00,719 --> 00:43:04,600
Speaker 1: card payments plays into my credit card utilization rate and

865
00:43:04,600 --> 00:43:09,160
Speaker 1: credit score. So here's my specific question. My credit card

866
00:43:09,239 --> 00:43:11,840
Speaker 1: has a three hundred dollars limit, and as of today,

867
00:43:11,840 --> 00:43:16,000
Speaker 1: my balance is two ninety seven point one eight. My

868
00:43:16,080 --> 00:43:18,880
Speaker 1: payment du date is also today. But when I go

869
00:43:18,960 --> 00:43:21,680
Speaker 1: to make a payment online, I'm given these options. Either

870
00:43:21,719 --> 00:43:24,920
Speaker 1: pay the minimum payment of twenty dollars, pay the last

871
00:43:24,960 --> 00:43:28,200
Speaker 1: statement total, the last statement balance of one hundred ninety

872
00:43:28,239 --> 00:43:32,520
Speaker 1: three dollars, or pay the entire current current balance, which

873
00:43:32,600 --> 00:43:35,879
Speaker 1: is two hundred ninety seven dollars. If my payment due

874
00:43:35,920 --> 00:43:38,760
Speaker 1: date is today, should I pay the last statement balance

875
00:43:38,880 --> 00:43:42,759
Speaker 1: or the total current balance? That is her question, And

876
00:43:42,800 --> 00:43:45,080
Speaker 1: how will this impact That's the first part of her questions.

877
00:43:45,080 --> 00:43:47,640
Speaker 1: So I just want to stop there because I do

878
00:43:47,680 --> 00:43:50,040
Speaker 1: think people may wonder, like, what's the difference, you know,

879
00:43:50,480 --> 00:43:55,279
Speaker 1: statement balance, current balance, minimum balance or minimum due for me?

880
00:43:55,719 --> 00:43:58,920
Speaker 1: Like for me, I would I would say definitely the

881
00:43:58,960 --> 00:44:02,680
Speaker 1: statement balance is what it's most important. So that is

882
00:44:02,719 --> 00:44:04,960
Speaker 1: what gets reported on your credit report.

883
00:44:05,719 --> 00:44:05,919
Speaker 3: YEP.

884
00:44:06,120 --> 00:44:08,200
Speaker 1: The reason your total balance is more than that is

885
00:44:08,239 --> 00:44:10,560
Speaker 1: because your statement balance has a cut off date whenever

886
00:44:10,560 --> 00:44:13,680
Speaker 1: your statement ends the fifteenth of the month, the fourteenth

887
00:44:13,719 --> 00:44:16,040
Speaker 1: or whatever. And at that point they say, okay, here's

888
00:44:16,080 --> 00:44:18,279
Speaker 1: where the clock stops on your current bill for this

889
00:44:18,440 --> 00:44:20,160
Speaker 1: for this statement period, and we're going to bill you

890
00:44:20,160 --> 00:44:23,160
Speaker 1: for that amount. If you keep racking up charges, that'll

891
00:44:23,160 --> 00:44:26,080
Speaker 1: add to your total balance, but that officially, that money

892
00:44:26,080 --> 00:44:28,439
Speaker 1: that you're racking up now officially won't become due until

893
00:44:28,480 --> 00:44:31,399
Speaker 1: your next statement ends, exactly. So that's why it's really

894
00:44:31,400 --> 00:44:33,960
Speaker 1: important to at least pay the statement balance off.

895
00:44:34,280 --> 00:44:35,799
Speaker 2: If you have the money too, like if you.

896
00:44:35,840 --> 00:44:38,279
Speaker 1: Have the money too, which can be a good thing,

897
00:44:38,320 --> 00:44:40,239
Speaker 1: like if you don't, if you don't have necessarily enough

898
00:44:40,280 --> 00:44:42,760
Speaker 1: money to cover your current balance, but your statement balance

899
00:44:42,800 --> 00:44:44,359
Speaker 1: is enough and you can cover that all in one

900
00:44:44,400 --> 00:44:47,200
Speaker 1: fell swoop, and that's great.

901
00:44:46,080 --> 00:44:48,960
Speaker 2: That that full balance, though it is like heartwrench because

902
00:44:48,960 --> 00:44:52,520
Speaker 2: you're like, oh I, oh wait a minute. Yeah, when

903
00:44:52,560 --> 00:44:55,560
Speaker 2: you see the pending payment, you're like, oh man, those

904
00:44:55,640 --> 00:45:01,200
Speaker 2: darn ubers, right. You also want to throw in that

905
00:45:01,680 --> 00:45:04,360
Speaker 2: one of the reasons why I don't particularly like paying

906
00:45:04,440 --> 00:45:08,600
Speaker 2: on the credit card website because of those kind of

907
00:45:08,680 --> 00:45:12,799
Speaker 2: like limited choices. So I do bill pay. So you

908
00:45:12,880 --> 00:45:15,920
Speaker 2: put in like your Every major bank and even some

909
00:45:16,000 --> 00:45:18,719
Speaker 2: non major banks have automatic bill pay or just bill pay,

910
00:45:18,800 --> 00:45:20,920
Speaker 2: so you go in, they ask you all these questions.

911
00:45:20,920 --> 00:45:23,560
Speaker 2: And now, because bill pay is not a new thing,

912
00:45:23,640 --> 00:45:27,719
Speaker 2: they're linked to different companies. So if you have you know,

913
00:45:27,800 --> 00:45:29,600
Speaker 2: let's just say you have well Fargo or whatever, and

914
00:45:29,640 --> 00:45:32,719
Speaker 2: your credit card is chased, they talk to each other

915
00:45:33,000 --> 00:45:37,279
Speaker 2: and so well Fargo will actually know what your balance is,

916
00:45:37,400 --> 00:45:39,759
Speaker 2: and so you can actually choose from the bill pay

917
00:45:39,880 --> 00:45:42,879
Speaker 2: side how much you want to pay. So you might say,

918
00:45:42,920 --> 00:45:44,600
Speaker 2: you know what, I don't want to pay the minimum

919
00:45:44,640 --> 00:45:46,360
Speaker 2: of twenty, but I don't want to pay the full

920
00:45:46,400 --> 00:45:49,840
Speaker 2: amount of one ninety seven. Instead, I want to pay

921
00:45:50,239 --> 00:45:53,759
Speaker 2: seventy five dollars. Then if it's not giving you that

922
00:45:53,840 --> 00:45:55,680
Speaker 2: choice on the credit card side, you can make that

923
00:45:55,760 --> 00:45:58,239
Speaker 2: choice on the bill pay side from your bank. So

924
00:45:58,280 --> 00:46:02,680
Speaker 2: typically I pay my credit card bill on my personal

925
00:46:02,760 --> 00:46:05,239
Speaker 2: bank side, so I can decide how much I want

926
00:46:05,280 --> 00:46:07,720
Speaker 2: to send versus kind of like being stuck to only

927
00:46:07,760 --> 00:46:10,560
Speaker 2: pay whatever choices that the credit card company is giving me.

928
00:46:11,040 --> 00:46:13,520
Speaker 1: I didn't know that any credit I didn't know there

929
00:46:13,600 --> 00:46:15,440
Speaker 1: is some credit cards didn't allow you to put your

930
00:46:15,480 --> 00:46:21,040
Speaker 1: own Yeah, rather different amount. Interesting, Okay, yeah, definitely, that's

931
00:46:21,080 --> 00:46:22,360
Speaker 1: a good way to get around that. I didn't know

932
00:46:22,400 --> 00:46:25,479
Speaker 1: that was a thing. So her next question is should

933
00:46:25,520 --> 00:46:28,680
Speaker 1: I pay the amount on or before the payment due date?

934
00:46:29,200 --> 00:46:31,279
Speaker 1: And how does the timing and amount paid affect my

935
00:46:31,280 --> 00:46:33,600
Speaker 1: credit card utilization and or a credit score.

936
00:46:35,120 --> 00:46:37,680
Speaker 2: I think the rule of thumb, it's not so much

937
00:46:37,719 --> 00:46:41,080
Speaker 2: the due date, it's more so of the statement date,

938
00:46:41,160 --> 00:46:46,760
Speaker 2: meaning like when the bill is issued. Pay. So for example,

939
00:46:46,760 --> 00:46:48,120
Speaker 2: I used to do this and it was a mistake.

940
00:46:48,760 --> 00:46:50,839
Speaker 2: I wanted to show, hey, look I'm making payments, so

941
00:46:50,920 --> 00:46:53,600
Speaker 2: I would buy something and then literally go online and

942
00:46:53,600 --> 00:46:55,759
Speaker 2: make the payment right then and there. That was not

943
00:46:55,880 --> 00:46:59,040
Speaker 2: going to register with the credit bureaus. That I had

944
00:46:59,080 --> 00:47:01,759
Speaker 2: to learn they had to wait. If I want, if

945
00:47:01,760 --> 00:47:05,040
Speaker 2: the purpose for me was to register like my movements,

946
00:47:05,080 --> 00:47:07,440
Speaker 2: my credit movements with the credit bureaus, I had to

947
00:47:07,480 --> 00:47:11,799
Speaker 2: wait until I was actually issued the bill, you know, like, oh,

948
00:47:11,840 --> 00:47:14,800
Speaker 2: here's your statement. It's due, and so it's not so

949
00:47:14,880 --> 00:47:17,320
Speaker 2: much to do date. So it's like, oh, bill's been sent,

950
00:47:17,719 --> 00:47:20,400
Speaker 2: now you can pay. And so that's how you know that,

951
00:47:20,560 --> 00:47:22,480
Speaker 2: like one, they're going to register this is what you

952
00:47:22,520 --> 00:47:24,840
Speaker 2: owed to. It's going to register, this is what you paid,

953
00:47:25,120 --> 00:47:26,720
Speaker 2: and so that's kind of like the rule of thumb

954
00:47:26,760 --> 00:47:29,680
Speaker 2: is wait until the bill is actually like either se

955
00:47:29,760 --> 00:47:33,399
Speaker 2: TVA mail or just online, like, hey, this is this

956
00:47:33,480 --> 00:47:36,239
Speaker 2: is the due date for statement balance a statement.

957
00:47:37,120 --> 00:47:39,640
Speaker 1: Yeah, my concern is that So right now her statement

958
00:47:39,719 --> 00:47:42,120
Speaker 1: balance is two hundred and ninety seven dollars on a

959
00:47:42,200 --> 00:47:44,560
Speaker 1: three hundred dollars limit. So right now, if you don't

960
00:47:44,560 --> 00:47:46,600
Speaker 1: have any other credit cards, she doesn't specify, But if

961
00:47:46,600 --> 00:47:48,799
Speaker 1: this is your only credit card, you're at one hundred

962
00:47:48,840 --> 00:47:51,560
Speaker 1: percent almost of utilization, and that will hurt your score.

963
00:47:52,000 --> 00:47:54,879
Speaker 1: Ideally you want to be below thirty percent. One way

964
00:47:54,920 --> 00:47:57,239
Speaker 1: to do that so you only have you very you

965
00:47:57,239 --> 00:48:00,160
Speaker 1: have a very small limit, and you may max it

966
00:48:00,160 --> 00:48:02,640
Speaker 1: out a lot. But the trick is to make payments

967
00:48:02,680 --> 00:48:06,239
Speaker 1: before your statements do to eat away that balance to

968
00:48:06,400 --> 00:48:08,759
Speaker 1: keep it at thirty percent of three hundred would be

969
00:48:08,800 --> 00:48:12,000
Speaker 1: what ninety bucks. So if you charge one hundred and

970
00:48:12,000 --> 00:48:14,279
Speaker 1: fifty dollars on the card, go ahead and pay off

971
00:48:14,320 --> 00:48:19,200
Speaker 1: fifty dollars or sixty dollars today and leave the ninety

972
00:48:19,239 --> 00:48:22,239
Speaker 1: dollars on there. Let that, let that be added to

973
00:48:22,280 --> 00:48:25,279
Speaker 1: your statement balance, and then pay that bill off. That's

974
00:48:25,280 --> 00:48:27,520
Speaker 1: one way to keep your to be able to spend

975
00:48:27,560 --> 00:48:31,640
Speaker 1: more than over spend above that thirty percent utilization rate limit,

976
00:48:32,040 --> 00:48:34,759
Speaker 1: but not actually have it hurt your score. Does that

977
00:48:34,760 --> 00:48:35,360
Speaker 1: make sense?

978
00:48:35,760 --> 00:48:37,040
Speaker 2: It does, and that's good advice.

979
00:48:37,280 --> 00:48:38,920
Speaker 1: I would do that before because when I got my

980
00:48:38,960 --> 00:48:40,759
Speaker 1: first credit card, this might be like a student credit

981
00:48:40,800 --> 00:48:43,080
Speaker 1: card or something. When I got my first Bank of

982
00:48:43,120 --> 00:48:45,799
Speaker 1: America student card, it was like three hundred bucks, and

983
00:48:46,000 --> 00:48:49,080
Speaker 1: I would later I would maximine out all the time.

984
00:48:49,120 --> 00:48:50,719
Speaker 1: Of course I didn't know any better, but later I

985
00:48:50,800 --> 00:48:53,600
Speaker 1: learned that trick where you make small payments throughout the

986
00:48:53,640 --> 00:48:56,400
Speaker 1: month and keep your keep it below thirty percent of

987
00:48:56,440 --> 00:48:59,480
Speaker 1: your balance, and then let that balance be reflecting on

988
00:48:59,560 --> 00:49:03,040
Speaker 1: your statement m hm. And then that'll reflect that'll get

989
00:49:03,040 --> 00:49:05,759
Speaker 1: reported to the bureaus and they'll see, okay, oh you know,

990
00:49:05,880 --> 00:49:08,560
Speaker 1: Kai's only got a thirty percent utilization rate. That's great,

991
00:49:09,040 --> 00:49:10,200
Speaker 1: and we won't ding her for that.

992
00:49:11,000 --> 00:49:15,640
Speaker 2: Exactly. It's really all about reporting, like figuring out when

993
00:49:15,920 --> 00:49:19,239
Speaker 2: are my financial credit choices reported. Once you kind of

994
00:49:19,239 --> 00:49:21,839
Speaker 2: figure throughout that, then it makes it easier to make

995
00:49:21,880 --> 00:49:23,600
Speaker 2: decisions that are going to be in alignment with getting

996
00:49:23,600 --> 00:49:24,160
Speaker 2: a better score.

997
00:49:24,560 --> 00:49:26,640
Speaker 1: Yeah, it feels like bending over backwards to get around

998
00:49:26,680 --> 00:49:30,360
Speaker 1: these weird credit reporting rules, but I know it is crazy.

999
00:49:30,400 --> 00:49:32,240
Speaker 1: It's crazy, but yeah, So if you have two ninety

1000
00:49:32,239 --> 00:49:34,360
Speaker 1: seven for this month just paid off in full, I

1001
00:49:34,360 --> 00:49:37,080
Speaker 1: hope you can pay off your statement balance and full

1002
00:49:37,120 --> 00:49:40,320
Speaker 1: hope you can, and then next month pay off whatever

1003
00:49:40,360 --> 00:49:41,719
Speaker 1: you need to pay off to keep it a look,

1004
00:49:41,800 --> 00:49:45,440
Speaker 1: keep it at least no greater than ninety dollars on

1005
00:49:45,480 --> 00:49:49,600
Speaker 1: your next statement, and you should be in good shape. Okay,

1006
00:49:51,040 --> 00:49:53,000
Speaker 1: So that was from Kai. Thanks Kai, And the next

1007
00:49:53,040 --> 00:49:57,880
Speaker 1: question is from listener v V sizes. Hey V says,

1008
00:49:57,880 --> 00:49:59,919
Speaker 1: I'm a part time graduate student and I only work

1009
00:50:00,040 --> 00:50:02,680
Speaker 1: part time job. I make enough money to pay my

1010
00:50:02,719 --> 00:50:06,240
Speaker 1: expenses and have three hundred dollars left over after every

1011
00:50:07,560 --> 00:50:11,319
Speaker 1: leftover every month after I pay my monthly living expenses

1012
00:50:11,640 --> 00:50:14,720
Speaker 1: according to my budget, I've managed to save one thousand

1013
00:50:14,800 --> 00:50:17,480
Speaker 1: dollars and a separate savings account, and I don't know

1014
00:50:17,520 --> 00:50:19,920
Speaker 1: what my next savings goal should be. What should I

1015
00:50:19,920 --> 00:50:21,680
Speaker 1: do with the extra three hundred dollars a month that

1016
00:50:21,680 --> 00:50:23,800
Speaker 1: I have. I don't want to waste it on food,

1017
00:50:23,960 --> 00:50:30,400
Speaker 1: Jordan's and hair weave. Ye maybe those are the options. Food, Jordan's,

1018
00:50:30,520 --> 00:50:32,600
Speaker 1: hair weief. Can you please help me plan my next

1019
00:50:33,120 --> 00:50:34,160
Speaker 1: new savings goal.

1020
00:50:34,440 --> 00:50:38,080
Speaker 2: The so my assumption is that the does she say

1021
00:50:38,160 --> 00:50:41,960
Speaker 2: that she's that she has a retirement plan in place?

1022
00:50:42,040 --> 00:50:44,560
Speaker 1: She does not. She's part time graduate student. She's got

1023
00:50:44,560 --> 00:50:46,360
Speaker 1: a thousand bucks in savings. This is what we know.

1024
00:50:47,480 --> 00:50:50,200
Speaker 2: Okay, so if you don't have retirement plan in place,

1025
00:50:50,800 --> 00:50:52,919
Speaker 2: now you do, girl, I would put that money toward

1026
00:50:53,000 --> 00:50:55,480
Speaker 2: that because that comes first.

1027
00:50:56,360 --> 00:50:59,880
Speaker 1: Tiffany happy be a part time graduate student save for retirement.

1028
00:51:00,360 --> 00:51:02,160
Speaker 1: If it's only working a part time job and I'm

1029
00:51:02,200 --> 00:51:03,600
Speaker 1: guessing doesn't have a four to one k.

1030
00:51:04,560 --> 00:51:06,359
Speaker 2: Well, if you don't have a traditional four and one

1031
00:51:06,400 --> 00:51:08,640
Speaker 2: k because you're part time, you can go to your

1032
00:51:08,719 --> 00:51:11,719
Speaker 2: local bank and say, hey, bo, I would like to

1033
00:51:12,160 --> 00:51:14,760
Speaker 2: sign up for an eye on an IRA, an individual

1034
00:51:14,800 --> 00:51:16,640
Speaker 2: retirement account or a rock eye. Well it would be

1035
00:51:16,680 --> 00:51:19,480
Speaker 2: a ROTH, right because ROTH is after taxes, right.

1036
00:51:19,440 --> 00:51:22,480
Speaker 1: Either or yeah, yeah, you would want to it would

1037
00:51:22,520 --> 00:51:23,840
Speaker 1: be yeah, it could be it'd be an IRA.

1038
00:51:24,080 --> 00:51:27,520
Speaker 2: Yeah, so which is called an individual retirement account? Right,

1039
00:51:27,560 --> 00:51:29,319
Speaker 2: so you would sign up for an IRA. You can

1040
00:51:29,360 --> 00:51:31,240
Speaker 2: actually do it online like I know, like for example,

1041
00:51:31,680 --> 00:51:34,720
Speaker 2: Ally has IRA's. But you know, if you're not fully

1042
00:51:34,719 --> 00:51:36,440
Speaker 2: comfortable during that, if you're a millennial, you're like, we

1043
00:51:36,520 --> 00:51:38,799
Speaker 2: will do it online. If you're not, if you're an

1044
00:51:38,920 --> 00:51:41,640
Speaker 2: ex you know, millennial or whatever they call us down,

1045
00:51:42,000 --> 00:51:43,799
Speaker 2: then you're probably gonna want to go into your bank

1046
00:51:43,840 --> 00:51:47,279
Speaker 2: and just say, hey, i'd like to contribute. Start to

1047
00:51:47,280 --> 00:51:51,480
Speaker 2: contribute regularly to a retirement account. That is paramount, especially

1048
00:51:51,480 --> 00:51:54,480
Speaker 2: if you are a grad student. If you start now,

1049
00:51:54,480 --> 00:51:56,160
Speaker 2: you're going to be in such great shape when you

1050
00:51:56,200 --> 00:51:57,919
Speaker 2: get a little bit older. So that's what I would

1051
00:51:57,920 --> 00:51:59,600
Speaker 2: do with the extra money, is start to really think

1052
00:51:59,600 --> 00:52:02,719
Speaker 2: about my future, you know, beyond like where you are

1053
00:52:02,800 --> 00:52:05,400
Speaker 2: right now, and putting the money toward that and sitting

1054
00:52:05,400 --> 00:52:08,480
Speaker 2: down with someone and if not, even if not sitting

1055
00:52:08,520 --> 00:52:11,879
Speaker 2: down with someone, you know, you could pick now. They've

1056
00:52:11,920 --> 00:52:13,680
Speaker 2: got all these great tools where you might say, like,

1057
00:52:13,719 --> 00:52:17,000
Speaker 2: for example, I'm pretty sure that Ally has a tool

1058
00:52:17,160 --> 00:52:20,640
Speaker 2: where it's a roth Ira and basically they ask you

1059
00:52:20,640 --> 00:52:23,319
Speaker 2: all these questions about yourself personally, and they help you

1060
00:52:23,880 --> 00:52:27,359
Speaker 2: to pick what your retirement money should do and where

1061
00:52:27,400 --> 00:52:29,040
Speaker 2: it should go. So you could do that and just

1062
00:52:29,120 --> 00:52:31,279
Speaker 2: have it automatically transferred there every month. But I would

1063
00:52:31,320 --> 00:52:33,440
Speaker 2: definitely focus on retirement if you're not already, and I

1064
00:52:33,440 --> 00:52:35,520
Speaker 2: suspect if you're young you likely are not.

1065
00:52:36,520 --> 00:52:38,239
Speaker 1: And that's science. I mean, while you're in grad school,

1066
00:52:38,320 --> 00:52:40,319
Speaker 1: maybe your student loans aren't doe yet, and you can

1067
00:52:40,320 --> 00:52:42,640
Speaker 1: put that money to work for retirement, and then when

1068
00:52:42,640 --> 00:52:44,960
Speaker 1: you're ready to pay your student loans back, you know

1069
00:52:45,040 --> 00:52:47,680
Speaker 1: that you have no problem coming up with three hundred

1070
00:52:47,680 --> 00:52:50,520
Speaker 1: dollars to put toward those student loans and maybe diverting

1071
00:52:50,600 --> 00:52:53,120
Speaker 1: that money to student loans until they're paid off, right,

1072
00:52:53,160 --> 00:52:54,680
Speaker 1: because that's going to be the issue. I think when

1073
00:52:54,680 --> 00:52:56,520
Speaker 1: she graduates, it's going to be like, well, what do

1074
00:52:56,560 --> 00:53:00,480
Speaker 1: I do now? Retirement or student loans? And I say,

1075
00:53:02,440 --> 00:53:05,399
Speaker 1: that's a tricky question. It depends on like how much

1076
00:53:05,480 --> 00:53:07,520
Speaker 1: I know I'm giving her additional question she didn't ask,

1077
00:53:07,600 --> 00:53:12,480
Speaker 1: but I'm looking into your future and I'm saying that

1078
00:53:12,600 --> 00:53:14,560
Speaker 1: it may make more sense to be putting as much

1079
00:53:14,600 --> 00:53:17,120
Speaker 1: money as you can toward that debt, depending on what

1080
00:53:17,160 --> 00:53:19,800
Speaker 1: your interest rates are, or like doing half, like putting

1081
00:53:19,840 --> 00:53:22,080
Speaker 1: half towards your student loan bill and then continuing to

1082
00:53:22,120 --> 00:53:23,560
Speaker 1: put half toward your retirement.

1083
00:53:24,480 --> 00:53:25,160
Speaker 2: That's a good idea.

1084
00:53:25,800 --> 00:53:28,000
Speaker 1: Do you think I mean, she doesn't tell us you

1085
00:53:28,040 --> 00:53:30,440
Speaker 1: know where she lives or how much her life costs,

1086
00:53:30,440 --> 00:53:32,400
Speaker 1: But do you think a thousand bucks is enough to

1087
00:53:32,480 --> 00:53:34,440
Speaker 1: have a savings account and be like, and I'm done

1088
00:53:34,520 --> 00:53:37,600
Speaker 1: and I'm good for life because it seems low to me.

1089
00:53:38,719 --> 00:53:40,880
Speaker 2: Yeah, you're right, I mean, And so the thing is

1090
00:53:40,920 --> 00:53:43,160
Speaker 2: too maybe let's a lot, And I think that I

1091
00:53:43,320 --> 00:53:46,280
Speaker 2: like your idea, not thinking of the three hundred dollars

1092
00:53:46,320 --> 00:53:49,520
Speaker 2: as this lump sum that cannot be separated. So you

1093
00:53:49,600 --> 00:53:51,719
Speaker 2: might say to yourself, Okay, of this three hundred, I'm

1094
00:53:51,719 --> 00:53:54,439
Speaker 2: gonna put one hundred toward retirement, one hundred towards this day,

1095
00:53:55,160 --> 00:53:58,200
Speaker 2: and one hundred toward growing that savings account. You know

1096
00:53:58,239 --> 00:54:01,600
Speaker 2: what I mean. So I think that ask yourself your

1097
00:54:01,640 --> 00:54:04,560
Speaker 2: overall financial goals and how you can Obviously you're not

1098
00:54:04,560 --> 00:54:06,720
Speaker 2: going to separate the three hundred to three hundred pots,

1099
00:54:06,800 --> 00:54:09,440
Speaker 2: but there you might have that three hundred going to

1100
00:54:09,880 --> 00:54:11,840
Speaker 2: two or three or maybe even four different pots that

1101
00:54:12,280 --> 00:54:15,960
Speaker 2: serve your greater goals, because a thousand does seem a

1102
00:54:16,000 --> 00:54:17,640
Speaker 2: little low. But I mean, I don't know where you live,

1103
00:54:17,719 --> 00:54:20,560
Speaker 2: but you know you're wanting to have. Ideally, they say

1104
00:54:20,600 --> 00:54:23,040
Speaker 2: you want to have anywhere from like on the super

1105
00:54:23,040 --> 00:54:26,000
Speaker 2: low end, three months worth of your life expenses, and

1106
00:54:26,040 --> 00:54:28,279
Speaker 2: on the higher and up to twenty four months, two years,

1107
00:54:28,280 --> 00:54:31,400
Speaker 2: depending on what type of life you live, so typically

1108
00:54:31,440 --> 00:54:35,160
Speaker 2: around six months to a year of emergency money. So

1109
00:54:35,400 --> 00:54:38,160
Speaker 2: you know, it's one thousand dollars like at least three months.

1110
00:54:38,600 --> 00:54:42,560
Speaker 2: I don't know, it might be, but maybe contributing to

1111
00:54:42,600 --> 00:54:43,880
Speaker 2: that so that way you have a little bit more

1112
00:54:43,880 --> 00:54:45,239
Speaker 2: of a stash and you might be like, you know,

1113
00:54:45,320 --> 00:54:46,600
Speaker 2: I don't need to do a whole bunch. Maybe it's

1114
00:54:46,640 --> 00:54:49,399
Speaker 2: just fifty bucks of the three hundred. But I think

1115
00:54:49,480 --> 00:54:53,120
Speaker 2: that those three things that Manny and I mentioned, retirement,

1116
00:54:53,680 --> 00:54:57,000
Speaker 2: debt and savings, that that three hundred can address those

1117
00:54:57,040 --> 00:54:59,440
Speaker 2: three things that three hundred.

1118
00:54:59,480 --> 00:55:06,279
Speaker 1: Yeah, agreed, Hell cravyvy, thanks for your question. And if

1119
00:55:06,280 --> 00:55:08,680
Speaker 1: you guys again, if you have questions Brand Ambition Podcast

1120
00:55:08,719 --> 00:55:11,480
Speaker 1: at gmail dot com or brand Ambition podcast dot com.

1121
00:55:12,640 --> 00:55:16,840
Speaker 1: You got it get too fast.

1122
00:55:17,800 --> 00:55:20,759
Speaker 2: I try to flip it in there. Oh yeah, go

1123
00:55:20,800 --> 00:55:25,320
Speaker 2: to podcast dot com right and click no click to

1124
00:55:25,320 --> 00:55:27,239
Speaker 2: ask us anything? Is that what it's what it says? Right?

1125
00:55:28,120 --> 00:55:29,279
Speaker 1: Ask us anything? Yep.

1126
00:55:38,080 --> 00:55:42,959
Speaker 2: So all I do is win, win, win, no matter

1127
00:55:43,040 --> 00:55:45,840
Speaker 2: what what you gotta win for. So do you have

1128
00:55:45,840 --> 00:55:46,520
Speaker 2: any wins?

1129
00:55:46,760 --> 00:55:48,279
Speaker 1: I'm gonna make you go first this time.

1130
00:55:50,320 --> 00:55:53,400
Speaker 2: I have when that is slightly uncomfortable, but not uncomfortable.

1131
00:55:53,440 --> 00:55:59,279
Speaker 2: So so ben Kind happened, No, definitely nothing more comfortable. Oh,

1132
00:55:59,320 --> 00:56:00,960
Speaker 2: I will say that I think I lost my full

1133
00:56:00,960 --> 00:56:03,160
Speaker 2: twenty pounds. I'm good now. I'm not like the weight

1134
00:56:03,239 --> 00:56:04,680
Speaker 2: that I want to be. I'm like, ooh, I'm here,

1135
00:56:04,760 --> 00:56:08,440
Speaker 2: but the vegan isn't. I'm actually not gonna give it up.

1136
00:56:08,440 --> 00:56:11,279
Speaker 2: I think I'm gonna stay because I'm like, hmmm, from

1137
00:56:11,280 --> 00:56:14,440
Speaker 2: what I've heard, the hormones and the meat are not

1138
00:56:14,520 --> 00:56:16,520
Speaker 2: five boards friends, so they're like people have been telling me,

1139
00:56:16,520 --> 00:56:17,880
Speaker 2: and my doctor can tell me it's actually good that

1140
00:56:17,920 --> 00:56:21,440
Speaker 2: I'm vegan. So anyway, my win, I didn't attend fen

1141
00:56:21,520 --> 00:56:23,280
Speaker 2: Kind and you didn't go this year either, right, Mandy,

1142
00:56:23,360 --> 00:56:25,960
Speaker 2: I did not, and so I heard it was awesome.

1143
00:56:26,000 --> 00:56:29,560
Speaker 2: So I was nominated for Plutus Award. And Plutus is

1144
00:56:29,600 --> 00:56:32,960
Speaker 2: like the Emmys for financial like bloggers and writers and

1145
00:56:32,960 --> 00:56:35,719
Speaker 2: stuff like that, and so honestly, I was nominated for

1146
00:56:35,760 --> 00:56:37,480
Speaker 2: award that I didn't think I should have been nominated for,

1147
00:56:37,680 --> 00:56:39,520
Speaker 2: like one award. I was like, ooh, that's totally me,

1148
00:56:39,600 --> 00:56:43,000
Speaker 2: which was online community, which y'all dream catchers know, we

1149
00:56:43,040 --> 00:56:44,680
Speaker 2: got that on lock. I didn't win that one, but

1150
00:56:44,680 --> 00:56:47,840
Speaker 2: that's okay because who did win was very deserving. But

1151
00:56:47,920 --> 00:56:51,600
Speaker 2: I was also nominated for best Blog for Women, and

1152
00:56:51,640 --> 00:56:52,640
Speaker 2: I'm not gonna lie.

1153
00:56:52,880 --> 00:56:53,600
Speaker 3: I don't blog.

1154
00:56:53,640 --> 00:56:55,640
Speaker 2: That mean I have a blog, but I was like.

1155
00:56:55,560 --> 00:56:59,759
Speaker 1: You best blog what? Maybe blog exactly?

1156
00:57:00,040 --> 00:57:01,719
Speaker 2: And I'm not gonna lie. I feel some kind of

1157
00:57:01,719 --> 00:57:03,920
Speaker 2: way of like, why did you guys give you this award?

1158
00:57:03,960 --> 00:57:07,439
Speaker 1: Like now, what are they doing? What?

1159
00:57:07,640 --> 00:57:10,400
Speaker 2: Because I like, honestly, I can honestly say and this

1160
00:57:10,560 --> 00:57:12,840
Speaker 2: is not even the humility of like, oh no, because honestly,

1161
00:57:12,880 --> 00:57:14,399
Speaker 2: I wanted to win a community work because I feel

1162
00:57:14,400 --> 00:57:16,480
Speaker 2: like I have a dope on my community. I felt

1163
00:57:16,520 --> 00:57:20,040
Speaker 2: like I was dropped but whatever, So this is not

1164
00:57:20,160 --> 00:57:22,560
Speaker 2: false humility at all. But I'm like, when the people

1165
00:57:22,560 --> 00:57:24,360
Speaker 2: are timty one, I was like, yeah, the community of

1166
00:57:24,360 --> 00:57:27,000
Speaker 2: what they're like, no, best financial block for Women, I'm like,

1167
00:57:27,680 --> 00:57:29,840
Speaker 2: what categories? I didn't even know I was in that category?

1168
00:57:30,720 --> 00:57:33,160
Speaker 2: Why did I win that? So? I mean it's a win,

1169
00:57:33,240 --> 00:57:36,080
Speaker 2: which is nice, but I'm not gonna lie. I feel

1170
00:57:36,080 --> 00:57:39,400
Speaker 2: like there are so many amazing financial blocks for women

1171
00:57:39,400 --> 00:57:44,280
Speaker 2: that are awesome blogs, and it feels like, honestly, it's

1172
00:57:44,400 --> 00:57:47,920
Speaker 2: not an award that I can take with pride because

1173
00:57:48,200 --> 00:57:50,400
Speaker 2: I blog. But like literally what I'm like, it's a

1174
00:57:50,400 --> 00:57:53,400
Speaker 2: blue moon. I think I should write something. I'm I'm

1175
00:57:53,480 --> 00:57:56,960
Speaker 2: you know, so it's yeah, but from what I understand,

1176
00:57:57,120 --> 00:57:59,960
Speaker 2: because the true wind is that when you're a pollutics award,

1177
00:58:00,320 --> 00:58:03,520
Speaker 2: you get great swag. And so apparently there's an Amazon

1178
00:58:03,560 --> 00:58:05,160
Speaker 2: Echo dot on my way to the house, and I'm

1179
00:58:05,400 --> 00:58:07,680
Speaker 2: on my way to my house, So that's the true wind.

1180
00:58:07,720 --> 00:58:12,240
Speaker 2: Whoop whoop, free Amazon Echo that. So that's my win

1181
00:58:12,320 --> 00:58:14,000
Speaker 2: that I got an award that I did not deserve,

1182
00:58:14,560 --> 00:58:16,760
Speaker 2: but I did get some amazing sweag to go along

1183
00:58:16,800 --> 00:58:17,120
Speaker 2: with you.

1184
00:58:18,760 --> 00:58:21,439
Speaker 1: Not gonna You've had the Amazon dot the election, where

1185
00:58:21,520 --> 00:58:24,560
Speaker 1: like since last Christians, I got inenrik one And it's

1186
00:58:24,560 --> 00:58:27,400
Speaker 1: so pathetic. It's so pathetic, how like we have no

1187
00:58:27,440 --> 00:58:28,960
Speaker 1: idea what to do with it. We're just like, tell

1188
00:58:28,960 --> 00:58:30,680
Speaker 1: me the weather and tell me a joke.

1189
00:58:33,000 --> 00:58:36,480
Speaker 2: Well, Superman is super like into tech stuff, so I'm

1190
00:58:36,520 --> 00:58:38,760
Speaker 2: really curious to see how it's going to work in

1191
00:58:38,760 --> 00:58:40,720
Speaker 2: our house because I don't know.

1192
00:58:41,200 --> 00:58:43,440
Speaker 1: Oh yeah, I forgot husband got the iPhone ten.

1193
00:58:45,800 --> 00:58:48,560
Speaker 2: It's his making that same error that I error, or

1194
00:58:48,600 --> 00:58:49,160
Speaker 2: whatever it is.

1195
00:58:49,440 --> 00:58:51,200
Speaker 1: I don't think so. But I have seen that. I've

1196
00:58:51,200 --> 00:58:54,200
Speaker 1: been getting messages from some people anyone. I think it's

1197
00:58:54,200 --> 00:58:55,880
Speaker 1: not just that it's not the new iPhones, it's like

1198
00:58:55,880 --> 00:58:59,000
Speaker 1: the new iOS update okay, right, or I don't know.

1199
00:58:59,120 --> 00:59:00,680
Speaker 1: I don't know about it, but I saw Yeah, I

1200
00:59:00,720 --> 00:59:02,800
Speaker 1: got some weird texts from some people were like, if

1201
00:59:02,800 --> 00:59:04,800
Speaker 1: you write the letter I, it turns into like an

1202
00:59:04,800 --> 00:59:10,320
Speaker 1: A yeah, yeah, like a question mark box thingy. Yeah,

1203
00:59:10,440 --> 00:59:13,640
Speaker 1: I will say I want to give a boost to Sorry,

1204
00:59:18,480 --> 00:59:20,920
Speaker 1: this is gonna be no, my win is gonna be

1205
00:59:21,000 --> 00:59:24,640
Speaker 1: for employees who raise their hand and ask for a

1206
00:59:24,680 --> 00:59:28,400
Speaker 1: one on one UH one on one feedback session with

1207
00:59:28,480 --> 00:59:32,440
Speaker 1: their managers. Because one of my UH direct reports recently

1208
00:59:32,600 --> 00:59:35,360
Speaker 1: did that to me, and I thought, I was like,

1209
00:59:35,440 --> 00:59:37,520
Speaker 1: they tell you to, they tell you to do this,

1210
00:59:37,600 --> 00:59:39,680
Speaker 1: but I don't feel like people really ever do it.

1211
00:59:40,080 --> 00:59:42,280
Speaker 1: And I thought that it was really really smart of

1212
00:59:42,320 --> 00:59:44,600
Speaker 1: her to do that because I've been so overwhelm lately.

1213
00:59:44,600 --> 00:59:46,720
Speaker 1: I really haven't had time to sit down and do

1214
00:59:46,800 --> 00:59:49,680
Speaker 1: the one on one feedback session with people. And if

1215
00:59:49,720 --> 00:59:53,320
Speaker 1: she had waited and gotten bitter about not ever getting

1216
00:59:53,360 --> 00:59:56,920
Speaker 1: feedback and not ever hearing how she's doing that, it

1217
00:59:57,000 --> 00:59:58,960
Speaker 1: just would have made her it just it would have

1218
00:59:59,000 --> 01:00:01,560
Speaker 1: made her feel bad and would have made her like

1219
01:00:01,600 --> 01:00:04,440
Speaker 1: feel bitter about working here possibly, But the fact that

1220
01:00:04,480 --> 01:00:07,720
Speaker 1: she like raised her hands and even asked for a review,

1221
01:00:07,720 --> 01:00:09,360
Speaker 1: I thought was really great. And that's something that I

1222
01:00:09,440 --> 01:00:13,960
Speaker 1: used to do, uh with sometimes success, sometimes not success

1223
01:00:14,360 --> 01:00:16,080
Speaker 1: at my prior jobs. And I just think that's a

1224
01:00:16,080 --> 01:00:18,640
Speaker 1: great tip for anyone who is like, it's the end

1225
01:00:18,640 --> 01:00:21,280
Speaker 1: of the year, you're feeling like, you know, you may

1226
01:00:21,280 --> 01:00:23,200
Speaker 1: be up for a raise or you want that promotion,

1227
01:00:23,440 --> 01:00:26,480
Speaker 1: but like your boss hasn't swept into the office and

1228
01:00:26,760 --> 01:00:28,640
Speaker 1: rolled out the red carpet and invited you for a

1229
01:00:28,720 --> 01:00:31,360
Speaker 1: sit down chat. Like, it's completely within your power to

1230
01:00:31,960 --> 01:00:34,479
Speaker 1: ask your boss to have a chat of your own

1231
01:00:34,760 --> 01:00:36,680
Speaker 1: and to take that time to tell them what you

1232
01:00:36,720 --> 01:00:40,440
Speaker 1: want and like what you're what you're feeling like you

1233
01:00:40,600 --> 01:00:42,840
Speaker 1: deserve and what you want more from the job and

1234
01:00:42,880 --> 01:00:45,360
Speaker 1: all that, and this is the time to do it.

1235
01:00:46,000 --> 01:00:47,280
Speaker 2: Oh that's awesome.

1236
01:00:47,360 --> 01:00:48,400
Speaker 3: Look at her. Is she young?

1237
01:00:49,360 --> 01:00:52,760
Speaker 1: She's yeah, she's uh, mid well on her age. I

1238
01:00:52,760 --> 01:00:57,080
Speaker 1: don't know her age, mid twenties, semi semi not super rookie,

1239
01:00:57,120 --> 01:00:59,440
Speaker 1: but I don't know. And I and like, while I'm

1240
01:00:59,440 --> 01:01:02,160
Speaker 1: talking about the office, so you know, we've we've really expanded.

1241
01:01:02,200 --> 01:01:04,280
Speaker 1: Like a year ago when I joined Magnified Money and

1242
01:01:04,360 --> 01:01:07,760
Speaker 1: it was like what three people, two people, and now

1243
01:01:07,800 --> 01:01:10,360
Speaker 1: there's like a full office and I've never I've never

1244
01:01:10,400 --> 01:01:14,080
Speaker 1: been this this, you know, this close to the beginning

1245
01:01:14,080 --> 01:01:16,400
Speaker 1: of something, to see it grow, this list quickly and

1246
01:01:16,680 --> 01:01:19,560
Speaker 1: well not quickly, but to see it grow, and it's

1247
01:01:19,600 --> 01:01:22,040
Speaker 1: just been really it's been really awesome to have new

1248
01:01:22,040 --> 01:01:25,160
Speaker 1: people coming on board, and our office is really diverse.

1249
01:01:25,240 --> 01:01:28,800
Speaker 1: It's literally like half women, half men, and there's people

1250
01:01:28,800 --> 01:01:32,840
Speaker 1: from different countries and different backgrounds and different ages, and

1251
01:01:33,440 --> 01:01:36,440
Speaker 1: it's just it's exactly the kind of place that I

1252
01:01:36,640 --> 01:01:38,680
Speaker 1: like to like, this type of people I like to

1253
01:01:38,680 --> 01:01:41,680
Speaker 1: be around, and I'm just really I'm really happy with

1254
01:01:41,880 --> 01:01:42,560
Speaker 1: where we're going.

1255
01:01:43,520 --> 01:01:46,440
Speaker 2: Oh look a Magnified Baby, Magnified Money. I remember, I

1256
01:01:46,480 --> 01:01:48,640
Speaker 2: think I met Nick on the on the night like

1257
01:01:48,680 --> 01:01:50,800
Speaker 2: you and I were at like a panel. I think

1258
01:01:50,800 --> 01:01:52,840
Speaker 2: it was an American Express or whatever, and that night

1259
01:01:52,960 --> 01:01:55,280
Speaker 2: at that panel is when I met Nick. Did you

1260
01:01:55,320 --> 01:01:56,080
Speaker 2: meet him that day.

1261
01:01:55,960 --> 01:01:58,680
Speaker 1: Too, I don't remember, ben Con Yeah, I think maybe

1262
01:01:58,680 --> 01:02:00,000
Speaker 1: in person for the first time.

1263
01:02:00,000 --> 01:02:02,120
Speaker 2: No, no, not Finkinn. Remember you came to Newark like

1264
01:02:02,160 --> 01:02:03,800
Speaker 2: for this American Express panel.

1265
01:02:04,280 --> 01:02:09,080
Speaker 1: Oh whoa, yeah, yes he was there. He was there.

1266
01:02:09,320 --> 01:02:12,000
Speaker 2: Remember he was there in the crowd and he asked

1267
01:02:12,040 --> 01:02:14,520
Speaker 2: a really great question or something like that, and I

1268
01:02:14,560 --> 01:02:16,240
Speaker 2: remember like I connected with him there. I was like

1269
01:02:16,280 --> 01:02:18,840
Speaker 2: I like him. I remember thinking he was so different

1270
01:02:18,840 --> 01:02:22,200
Speaker 2: from any of the personal finance people. Well, I mean

1271
01:02:22,240 --> 01:02:24,880
Speaker 2: to be all the way transparent, like from any of

1272
01:02:24,960 --> 01:02:26,800
Speaker 2: like the white guys in personal finance, because like the

1273
01:02:26,800 --> 01:02:30,560
Speaker 2: brown people are were typically community focused. But like, I

1274
01:02:30,560 --> 01:02:33,320
Speaker 2: didn't really meet white guys who were in personal finance

1275
01:02:33,320 --> 01:02:35,120
Speaker 2: that were like, I'm here for the people. So it

1276
01:02:35,280 --> 01:02:37,560
Speaker 2: struck me. I remember being like, what, you're here for

1277
01:02:37,600 --> 01:02:41,520
Speaker 2: the people? Who are you, sir? And then like really,

1278
01:02:41,720 --> 01:02:44,280
Speaker 2: you know, like exploring magnifying money and being like this

1279
01:02:44,400 --> 01:02:47,280
Speaker 2: is amazing and he has never disappointed me aside from

1280
01:02:47,280 --> 01:02:49,240
Speaker 2: the back of you know, y'all still only money but

1281
01:02:49,280 --> 01:02:51,880
Speaker 2: whatever needs to hear about that. But yeah, well other

1282
01:02:51,920 --> 01:02:55,240
Speaker 2: than that, like, yeah, Nick is amazing the company that

1283
01:02:55,280 --> 01:02:58,200
Speaker 2: he's built with this amazing team. You guys are all like,

1284
01:02:58,440 --> 01:03:02,400
Speaker 2: I really love magnified money. It is probably like when

1285
01:03:02,440 --> 01:03:06,000
Speaker 2: I look at my my U underutilized blog and I

1286
01:03:06,040 --> 01:03:10,240
Speaker 2: look at my my what are those things called analytics.

1287
01:03:10,560 --> 01:03:13,560
Speaker 2: Magnify Money is the number one site that people leave

1288
01:03:13,600 --> 01:03:16,760
Speaker 2: my my blog for because that's how much I got. Yeah, Like,

1289
01:03:16,800 --> 01:03:18,680
Speaker 2: I was just like because it's just such an awesome

1290
01:03:18,760 --> 01:03:22,200
Speaker 2: resource and tool, and people thank me all the time, like,

1291
01:03:22,240 --> 01:03:24,560
Speaker 2: thank you so much for magnified money. It's easy to navigate,

1292
01:03:25,000 --> 01:03:27,880
Speaker 2: it's trustworthy, and you know, I don't know, you guys

1293
01:03:27,880 --> 01:03:28,520
Speaker 2: are just awesome.

1294
01:03:29,400 --> 01:03:30,920
Speaker 1: Well, thanks, we try.

1295
01:03:32,040 --> 01:03:33,520
Speaker 2: You're welcome. Oh.

1296
01:03:33,600 --> 01:03:35,760
Speaker 1: I just got a big fat check from Ebates. Speaking

1297
01:03:35,800 --> 01:03:39,200
Speaker 1: of which, before I before we say goodbye, my mother

1298
01:03:39,320 --> 01:03:41,680
Speaker 1: was like, what did tip you start doing Ebaates commercials?

1299
01:03:41,920 --> 01:03:44,680
Speaker 1: She finally sought one of your eBay dogs.

1300
01:03:45,880 --> 01:03:47,959
Speaker 2: I love your mom. When your mom and sister were dancing,

1301
01:03:48,000 --> 01:03:48,960
Speaker 2: I was like, oh, I want to get it in.

1302
01:03:49,000 --> 01:03:50,280
Speaker 2: I want to dance at your wedding.

1303
01:03:52,360 --> 01:03:52,960
Speaker 1: I'm glad.

1304
01:03:54,600 --> 01:03:59,080
Speaker 2: Yeah. So yeah, that commercial is doing really well. I'm

1305
01:03:59,080 --> 01:04:00,480
Speaker 2: not gonna lie. I kind of be some kind of

1306
01:04:00,480 --> 01:04:01,760
Speaker 2: way that I didn't ask for money because I was

1307
01:04:01,800 --> 01:04:03,440
Speaker 2: just so excited to be in a commercial and I

1308
01:04:03,520 --> 01:04:05,480
Speaker 2: kind of asked for an OLF handedly. I was like,

1309
01:04:05,560 --> 01:04:07,160
Speaker 2: if y'all ever do a commercial, I'd love to be

1310
01:04:07,200 --> 01:04:08,920
Speaker 2: in it. When I was talking with my partner there

1311
01:04:08,920 --> 01:04:11,120
Speaker 2: are Ebates and when they were like, we'll fly you out,

1312
01:04:11,240 --> 01:04:13,240
Speaker 2: you know, but it's not likely that you'll be you'll

1313
01:04:13,240 --> 01:04:14,680
Speaker 2: make it, but as far as like you've being a

1314
01:04:14,680 --> 01:04:17,400
Speaker 2: great partner, it is kind of like our hey girl, hey,

1315
01:04:17,440 --> 01:04:20,360
Speaker 2: thanks so much. So I was excited craft food and

1316
01:04:20,560 --> 01:04:23,040
Speaker 2: I was able to bring Drina and they were like,

1317
01:04:23,080 --> 01:04:24,800
Speaker 2: you know, it's likely not going to make it on air,

1318
01:04:25,040 --> 01:04:26,680
Speaker 2: and I said, okay, if it is, it's going to

1319
01:04:26,680 --> 01:04:29,320
Speaker 2: be a group commercial. And then I don't know, they

1320
01:04:29,440 --> 01:04:32,040
Speaker 2: decided to do a fifteen second spot and now it's

1321
01:04:32,040 --> 01:04:34,440
Speaker 2: like their number one converting commercial and I'm like, where's

1322
01:04:34,440 --> 01:04:34,840
Speaker 2: my check?

1323
01:04:35,920 --> 01:04:38,200
Speaker 1: You know you may thank off those affiliate links.

1324
01:04:38,800 --> 01:04:42,760
Speaker 2: I know, yeah I do, but still I was like, wow,

1325
01:04:43,720 --> 01:04:45,920
Speaker 2: I need to Yeah, so now I know better. So

1326
01:04:45,960 --> 01:04:47,720
Speaker 2: now I'm like, ebaits you want my face back on

1327
01:04:47,760 --> 01:04:49,920
Speaker 2: that commercial? You want to love commercial? Ebates, it's going

1328
01:04:49,960 --> 01:04:53,080
Speaker 2: to cost no. Honestly, I love Ebaths. It's another it's

1329
01:04:53,080 --> 01:04:55,240
Speaker 2: like a magnified money that it's one of the few

1330
01:04:56,040 --> 01:05:00,720
Speaker 2: brands and businesses that it's a win win I've shared

1331
01:05:00,800 --> 01:05:03,080
Speaker 2: and I've never had a moment's pause of like is

1332
01:05:03,080 --> 01:05:05,600
Speaker 2: this a good business? EBAs is awesome. I mean you.

1333
01:05:06,360 --> 01:05:10,120
Speaker 1: Lose, like they just wave you money for shopping, like, yeah,

1334
01:05:10,240 --> 01:05:11,800
Speaker 1: I just made thirty bucks and I didn't do a

1335
01:05:11,840 --> 01:05:13,280
Speaker 1: damn thing like exactly.

1336
01:05:13,520 --> 01:05:15,720
Speaker 2: It's EBAs is Honestly, if you're not using ebays, I

1337
01:05:15,720 --> 01:05:16,960
Speaker 2: don't know what you're doing, like it's this is not

1338
01:05:17,000 --> 01:05:19,080
Speaker 2: they're not paying me to say, oh we should get

1339
01:05:19,080 --> 01:05:19,680
Speaker 2: them to be a sponsor.

1340
01:05:19,800 --> 01:05:22,680
Speaker 1: Let me reach out to but anyway, yeah, I ad

1341
01:05:22,720 --> 01:05:24,960
Speaker 1: the I always add the extension to my browsers, so

1342
01:05:25,000 --> 01:05:27,720
Speaker 1: it doesn't even matter where I am, it just pops up. Yeah,

1343
01:05:27,800 --> 01:05:30,360
Speaker 1: let me let me withhold my my plug before they

1344
01:05:30,360 --> 01:05:35,880
Speaker 1: start paying for advertising. Don't go, don't go click yet,

1345
01:05:35,920 --> 01:05:36,520
Speaker 1: don't click at

1346
01:05:38,880 --> 01:05:39,720
Speaker 2: Let's get us a link