WEBVTT - Ep. 102: Back By Popular Demand

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<v Speaker 1>A a A good a mate. That's the terrible Australian accent. Neverline.

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<v Speaker 2>You know what's so crazy. When I got there, I

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<v Speaker 2>was like, so, where you guys accents and everybody was like, yeah, no,

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<v Speaker 2>one really talks like that quite. It's definitely has like

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<v Speaker 2>you know, you hear like a little undertone of that,

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<v Speaker 2>but the typical Australian doesn't. For as far as what

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<v Speaker 2>folks told me, their accent is not quite that thick

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<v Speaker 2>and heavy. That's just extra exaggerated or there's certain I

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<v Speaker 2>guess it's like more less cosmopolitan that accent.

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

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<v Speaker 1>sound like Steve irwin.

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<v Speaker 2>Ke's Crocodile Dundee. I was waiting put some striper on

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<v Speaker 2>the bobby.

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<v Speaker 1>They were like, no, don't embarrass myself.

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<v Speaker 2>I know, I had an awesome time. I mean, so

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<v Speaker 2>I went to Australia because I had awesome opportunity. Drina

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<v Speaker 2>who is my awesome publicist but also my bff. Her client.

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<v Speaker 2>His name is Patrice Colors and Patrice is one of

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

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<v Speaker 2>Woman named Operal, a woman named Malitia and Patrice and

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<v Speaker 2>so the Sydney Peace Prize, which is super prestigious, I

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<v Speaker 2>mean people, amazing people have won that Peace Prize. They

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<v Speaker 2>decided to honor the Black Lives Matter Network and like

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<v Speaker 2>that's what you know. So one of the founders was

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<v Speaker 2>able to make it, and so she came to accept

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<v Speaker 2>the Peace Prize on behalf of Black Lives Matter. So

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<v Speaker 2>that was just really awesome to kind of see that

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<v Speaker 2>and kind of see, you know, what that movement looks

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<v Speaker 2>like from behind the scenes. And it was really really

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<v Speaker 2>interesting to meet, you know, a co founder. I mean,

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<v Speaker 2>well one Patresea is just so chilling, down to earth

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

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<v Speaker 2>Like we'd go to her hotel and we'd be hanging out,

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<v Speaker 2>but then a crisis would happen and you would see

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<v Speaker 2>her and to like organizer mode, this is what we

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<v Speaker 2>need to do, you know. So it was just really honestly,

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<v Speaker 2>the work that she and the whole network are doing

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<v Speaker 2>is nothing short of amazing on behalf of all brown people.

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<v Speaker 2>So that's what yeh. Yeah, it was huge, Honestly, it was.

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<v Speaker 2>It was such a pleasure because it was like I

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<v Speaker 2>got to see like touristy Sydney. But then I also

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<v Speaker 2>got to see this other side, like they want to

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<v Speaker 2>go visit like different Aboriginal camps and like, you know, like, so,

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<v Speaker 2>what's happening here with your brown people? How can we

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<v Speaker 2>how can we you know, be of service to that?

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<v Speaker 2>You know, what do you want us to share with

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

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<v Speaker 2>that less than three percent of Australia's population is brown,

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<v Speaker 2>And it wasn't untill like I didn't really notice as

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<v Speaker 2>much because I grew up in like an all white town.

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<v Speaker 2>But it wasn't until like Drina kept saying, She's like,

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<v Speaker 2>we're like literally the only black people in the airport.

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<v Speaker 2>I was like, no, yes, we are. That happened every

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<v Speaker 2>single place we went, literally not one brown faith. I

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<v Speaker 2>was actually pretty surprised, you know, because Sydney it's it's

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<v Speaker 2>like clean New York, so it's pretty cosmopolitan, very little

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<v Speaker 2>diversity by way of brownness. So there were definitely a

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<v Speaker 2>lot of Asians, so there was a lot of Chinese thie,

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<v Speaker 2>but as far as like Aboriginal or black folks or whatever,

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<v Speaker 2>it was next to nothing.

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

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<v Speaker 1>so yeah, yeah, we we know.

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<v Speaker 2>Yeah, it was Yeah, that's what that was. That was

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<v Speaker 2>a hard conversation to hear about over and over again,

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<v Speaker 2>like because we would go to these different events where

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<v Speaker 2>they were honoring her and then kind of like sharing

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<v Speaker 2>their story of what's happen happening to them there, and

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<v Speaker 2>it sounds honestly, it's the same treatment here that brown

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

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<v Speaker 2>You know, what what is that that? I don't know,

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<v Speaker 2>what is it that it causes folks to treat brown

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<v Speaker 2>folks in a way, And here like the police brutality stories,

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<v Speaker 2>dying in custody stories, a young driver killed three Aboriginal

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<v Speaker 2>kids and they blamed the kids that were killed, like, oh,

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

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

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<v Speaker 2>It was too much. There were times when I was

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<v Speaker 2>like I'm not going to go to that event because

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<v Speaker 2>it was too much Emotionally. I don't know how she

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

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<v Speaker 2>Like it's it's heartbreaking, it's soul breaking. And I told

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<v Speaker 2>her that she and her team are uniquely qualified to

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<v Speaker 2>do the work because I couldn't. I do the work,

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<v Speaker 2>but not in that way. I could not take on

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<v Speaker 2>all of that. It's too much.

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<v Speaker 1>I think it takes a really special human, like the

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<v Speaker 1>same the same types of humans who do social work

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<v Speaker 1>or or any anywhere. We're just like inundated with these

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<v Speaker 1>horrific situations. Were children and people who were like, uh,

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<v Speaker 1>marginalized and don't have rights, and their human rights are

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<v Speaker 1>being taken away from them like all the time. Those

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<v Speaker 1>it takes a real special person. I'm glad for those

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<v Speaker 1>types of people.

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<v Speaker 2>Yeah, that part was cool.

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<v Speaker 1>So about the kangaroos, yes, oh.

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<v Speaker 2>My gosh, so I told myself because it was like

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<v Speaker 2>because I what I tried to do was like because

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<v Speaker 2>I did a lot of stuff. You know, Drina was

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<v Speaker 2>off working with Patrice and her team, and so I

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<v Speaker 2>had a lot of like alone time, which I totally

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<v Speaker 2>did love because you know, I don't know, I love

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<v Speaker 2>solo travel. And so I was like, ooh, so every

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<v Speaker 2>day I try to choose like something really fun and

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<v Speaker 2>different and epic to do, and so I had not

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<v Speaker 2>Drina would not allow me to go to the zoo

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<v Speaker 2>without her. She said, I everything else she could do

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<v Speaker 2>without me, but if you go to that zoo and

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<v Speaker 2>I'm not with you, and I see social media and

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<v Speaker 2>I was like, start it. So it was literally the

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

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<v Speaker 2>I said, Drina, we're going to the freaking so she

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

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<v Speaker 2>So we went to the zoo and it was everything

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<v Speaker 2>and more. The kangaroos were they allow you to get

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<v Speaker 2>really close, like people were like petting them. I was like, yeah,

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

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<v Speaker 2>you could get like they were. I don't know, like

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

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<v Speaker 2>It wasn't huge, but the animals were like in like

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<v Speaker 2>basically like open spaces, and those animals that were kind

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<v Speaker 2>of like, you know, not anti human, you were kind

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<v Speaker 2>of allowed to like mix and mingle with them. It

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<v Speaker 2>was very like weird, but very cool. So the kangaroos

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<v Speaker 2>were just hopping in front of you. People were putting

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<v Speaker 2>their hands out and they nuzzle your hand like no

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<v Speaker 2>food get away from me, and I was like, ah,

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<v Speaker 2>I want to catch one, but I was scared. But

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<v Speaker 2>they were magnificent and to see them hopping. There was

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<v Speaker 2>one in particular that was like, oh, he's just showing

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<v Speaker 2>off and I was like, oh my gosh. And then

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<v Speaker 2>the koalas. They didn't let you get too close to

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<v Speaker 2>koalas because I heard they said like the koalas could

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<v Speaker 2>be like not today, not tomorrow night.

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<v Speaker 1>I've seen some really scary videos of koalas.

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<v Speaker 2>Yeah, so we were kind of like away, like, oh hey,

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

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<v Speaker 2>So but drafts, like the chimpanzees were like while and

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<v Speaker 2>they were introducing some new timpanzees to them, so they

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

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<v Speaker 2>So they were screaming and help hoooping and hollering, which

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<v Speaker 2>was awesome. The gorillas, Honestly, it was an awesome, awesome

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<v Speaker 2>zoo because it wasn't huge, but it was really well curated,

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<v Speaker 2>so it was and even though it was good, she

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<v Speaker 2>was like, honestly, the zoo personnel person that was like

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<v Speaker 2>kind of touring us was like rainy day because it

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<v Speaker 2>wasn't super rainy. It was more like less than less

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<v Speaker 2>than rain, it was more than drizzling. She was like, this,

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<v Speaker 2>these are days are the best days because it tends

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<v Speaker 2>to get really hot in Australia and the animals don't

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<v Speaker 2>want to come out. The animals always have a choice

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<v Speaker 2>of coming going into their kind of like whatever kind

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<v Speaker 2>of shelter that they have on their their piece of

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

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

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<v Speaker 2>She sees that they like these overcast, drizzly days. So

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<v Speaker 2>all of the animals were out like hey boo. So

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<v Speaker 2>it was awesome.

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<v Speaker 1>What did you do any like? Uh, what was like

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<v Speaker 1>splurs that you made while in Australia.

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

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<v Speaker 2>I was like, oh, New York, is this you?

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<v Speaker 3>Like?

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<v Speaker 2>An egg sandwich was like fifteen dollars and I'm like,

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<v Speaker 2>what the heck? Everything the food that was our biggest splurge, like,

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<v Speaker 2>and it wasn't even that we ate fancy, it was

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<v Speaker 2>just there there are no cheap eats in central Sydney

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<v Speaker 2>where we were, so that was the zoo wasn't cheap,

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<v Speaker 2>so that was kind of a splurish. Everything else honestly,

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<v Speaker 2>like the tour stuff that we did wasn't super like

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<v Speaker 2>I always do the big red bus. I love doing

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<v Speaker 2>that the first day so you can kind of see

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<v Speaker 2>all the sites that's not cheap cheap, but that wasn't

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<v Speaker 2>super expensive. I would say even the Opera house was.

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<v Speaker 2>Actually it was free for the most part, and then

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<v Speaker 2>we took a tour which was like, I don't know,

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<v Speaker 2>twenty bucks, which was worth it, but definitely.

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<v Speaker 1>Everything you expected.

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<v Speaker 2>The opera house inside. Yes, the outside, like I said,

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<v Speaker 2>I was kind of like, yeah, it's not like like

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<v Speaker 2>we got a close. I was like, this is tanish,

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<v Speaker 2>but it's.

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<v Speaker 1>What is it the lights they shine on it?

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<v Speaker 2>No, it's the tile, the special made tile for the

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<v Speaker 2>opera house on the outside that when when the sun

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<v Speaker 2>hits it, the tire reflex white. But up close the

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<v Speaker 2>tire was more of like an off white, so it's

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<v Speaker 2>not this glimmering, super crisp white thing that you would think.

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<v Speaker 2>But it looks like that from Afar, so it's like

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<v Speaker 2>really beautiful when we take pictures from Afar, but up

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<v Speaker 2>closed it's kind of like, oh, this is cute off

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<v Speaker 2>white tile, you know, off white is kind of like

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<v Speaker 2>it doesn't have that kind of uh I feel. But

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<v Speaker 2>in pictures, like I said, it looks amazing, but the

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<v Speaker 2>opera house on the inside is absolutely amazing. We took

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<v Speaker 2>a tour about how it was built. It was a

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<v Speaker 2>great I'm kind of like a when I go to

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<v Speaker 2>a country or a city, I kind of like to

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<v Speaker 2>know learn more about the history of how and why

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<v Speaker 2>and stuff like that. So that was cool.

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<v Speaker 1>Yeah, definitely, Yeah, that was.

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<v Speaker 2>My life adventure. Like it was everything and more. I'm

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<v Speaker 2>glad to be home, Like I was so glad to

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<v Speaker 2>lay in my bed, like, hey Bet, I miss you.

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<v Speaker 3>Hey Superman, I missed you too.

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<v Speaker 1>I had an exciting time. I mean, you know, life

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<v Speaker 1>went on while you were on the other side of

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<v Speaker 1>the world. Lots of stuff happened. Well, we were just

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<v Speaker 1>in Savannah. I went back to Savannah. They just I

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<v Speaker 1>just can't quit it this time. I got tricked into

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<v Speaker 1>going back. I got back well on One of our

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<v Speaker 1>girlfriends asked if I knew I wanted to do another

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<v Speaker 1>half marathon. I had done one a couple of years

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<v Speaker 1>ago and had a really great experience, and I did

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<v Speaker 1>really well, and I always wanted to do another one.

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<v Speaker 1>And this girlfriend, you know, back in May or June,

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

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<v Speaker 1>and like when I say I'm going to do something,

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<v Speaker 1>I really I'm like, and the tickets are bought, the

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<v Speaker 1>hotel reservations made a hope you don't take hope, it's

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<v Speaker 1>no take back seats on this whole plan, and I like,

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<v Speaker 1>I really commit anyway, so she has anyway, So for

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<v Speaker 1>various reasons, she had a back out on the half marathon,

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<v Speaker 1>which was a bummer. So I ended up running it

0:10:54.160 --> 0:10:58.160
<v Speaker 1>by my lonesome, which is fine, It wasn't that, but

0:10:58.480 --> 0:11:00.840
<v Speaker 1>but the thing is, like I was kind of it's

0:11:00.880 --> 0:11:04.520
<v Speaker 1>just been so crazy that I didn't train as as

0:11:04.559 --> 0:11:07.720
<v Speaker 1>well as I did for my first half marathon. Like

0:11:07.760 --> 0:11:10.319
<v Speaker 1>I went down there having only run so half marathon

0:11:10.400 --> 0:11:13.280
<v Speaker 1>is thirteen point one miles and I only run six miles.

0:11:13.280 --> 0:11:16.760
<v Speaker 1>That's my longest race or my longest run before going down.

0:11:16.800 --> 0:11:19.559
<v Speaker 1>So I was really I wasn't like nervous, but I

0:11:19.640 --> 0:11:21.960
<v Speaker 1>was telling myself, like, yeah, I'm just gonna stop at

0:11:22.000 --> 0:11:24.320
<v Speaker 1>six miles and go get brunch and this is silly, yeah,

0:11:25.520 --> 0:11:28.080
<v Speaker 1>and this is gonna be a half half marathon and

0:11:28.200 --> 0:11:31.560
<v Speaker 1>ha ha ha whatever. But then of course, like when

0:11:31.559 --> 0:11:33.840
<v Speaker 1>I get there and like there's just like when you

0:11:33.960 --> 0:11:35.800
<v Speaker 1>if you've ever done like a race, like I've done

0:11:35.840 --> 0:11:37.960
<v Speaker 1>a triathlon and half marathons, like these are just the

0:11:38.000 --> 0:11:41.480
<v Speaker 1>happiest frickin' people because it's like all the endorphins and

0:11:41.520 --> 0:11:44.040
<v Speaker 1>they're all hopped up on energy, sports strings and stuff,

0:11:44.080 --> 0:11:46.760
<v Speaker 1>and like everything is just so infectious. And I was like,

0:11:46.920 --> 0:11:49.920
<v Speaker 1>I can do this. And I ended up running the

0:11:50.040 --> 0:11:53.320
<v Speaker 1>entire thing and finishing and I have no idea where

0:11:53.880 --> 0:11:57.640
<v Speaker 1>I pulled it out of but graduation, thank you.

0:11:58.320 --> 0:12:00.240
<v Speaker 2>So no I saw the pick, So I didn't like

0:12:00.320 --> 0:12:02.800
<v Speaker 2>that was the Vanna I love Savannah.

0:12:02.880 --> 0:12:05.760
<v Speaker 1>Yeah, man, I went back and we just said for

0:12:05.760 --> 0:12:08.079
<v Speaker 1>a couple of days, but it was it was painful.

0:12:08.120 --> 0:12:11.160
<v Speaker 1>I've been like recovering because I mean I finished, but

0:12:11.320 --> 0:12:14.200
<v Speaker 1>I I like my legs. I was like the one

0:12:14.200 --> 0:12:16.120
<v Speaker 1>hobbling through the airport on the way back. I could

0:12:17.040 --> 0:12:19.440
<v Speaker 1>like hardly get up and down, but just makes you

0:12:19.480 --> 0:12:21.200
<v Speaker 1>want to do another one. And then I came back

0:12:21.720 --> 0:12:24.040
<v Speaker 1>early early Sunday because I wanted to watch the New

0:12:24.080 --> 0:12:27.720
<v Speaker 1>York City Marathon like the real marathon because one of

0:12:27.760 --> 0:12:30.920
<v Speaker 1>my our cousin, I just I just claimed the cousins

0:12:30.920 --> 0:12:35.360
<v Speaker 1>as my cousins. Now my beloved cousin is Sarah did

0:12:35.400 --> 0:12:38.559
<v Speaker 1>the New York City Marathon and it was it was amazing.

0:12:38.600 --> 0:12:41.560
<v Speaker 1>So I always love to like spectate because that is

0:12:41.800 --> 0:12:43.800
<v Speaker 1>I don't know that something about the New York City Marathon.

0:12:43.840 --> 0:12:47.320
<v Speaker 1>It just feels like an eight hour parade in New

0:12:47.400 --> 0:12:48.959
<v Speaker 1>York City. It's so much fun.

0:12:49.760 --> 0:12:52.000
<v Speaker 2>I've heard. I saw like some videos of people posting

0:12:52.040 --> 0:12:56.480
<v Speaker 2>and Elaine what worth or something like that. She's a

0:12:56.520 --> 0:13:01.960
<v Speaker 2>exec u h wait, I mustn't say he had grown charge,

0:13:02.280 --> 0:13:05.439
<v Speaker 2>not that had h you know, h h h.

0:13:05.600 --> 0:13:07.320
<v Speaker 1>Anyway, head bitch in churche.

0:13:08.200 --> 0:13:10.480
<v Speaker 2>No, but she's literally like and I I don't want

0:13:10.480 --> 0:13:14.400
<v Speaker 2>to refer to Elaine, but she's the editor thing. Yeah,

0:13:14.400 --> 0:13:17.200
<v Speaker 2>I see, But I almost said, h whatever I see

0:13:17.200 --> 0:13:19.280
<v Speaker 2>which is the head negro in charge? But I meant

0:13:19.320 --> 0:13:25.640
<v Speaker 2>to say, I see the editor and editor. I'm sorry, god,

0:13:25.720 --> 0:13:30.080
<v Speaker 2>I literally am opted up on It's eleven o'clock in Australia.

0:13:30.160 --> 0:13:32.160
<v Speaker 2>So anyway, I saw I think I made it worse,

0:13:33.280 --> 0:13:36.800
<v Speaker 2>but I saw her videos and it were like she

0:13:36.920 --> 0:13:40.240
<v Speaker 2>was there and it was just amazing, like the energy

0:13:40.280 --> 0:13:43.600
<v Speaker 2>people were playing, like there was jazz being played, live music,

0:13:43.679 --> 0:13:46.960
<v Speaker 2>kids dancing, people hugging like it just I didn't realize that.

0:13:47.080 --> 0:13:49.400
<v Speaker 2>It's it's one of those times that the city really

0:13:49.400 --> 0:13:50.480
<v Speaker 2>gets together, you know.

0:13:51.000 --> 0:13:52.600
<v Speaker 1>And I think it because it is less than a

0:13:52.600 --> 0:13:55.920
<v Speaker 1>week after that the terrorist attack last week, that it

0:13:56.000 --> 0:13:58.920
<v Speaker 1>really it felt like it felt more important than ever

0:13:59.040 --> 0:14:01.640
<v Speaker 1>to go out there and and show that New York spirit.

0:14:01.920 --> 0:14:10.880
<v Speaker 1>Were you talking about Elaine Wentworth from teen Vogue? Yes, okay, gotcha. Sorry, Yes,

0:14:11.320 --> 0:14:12.040
<v Speaker 1>she's amazing.

0:14:12.880 --> 0:14:14.960
<v Speaker 2>She is amazing. I feel like she would think that

0:14:15.080 --> 0:14:15.600
<v Speaker 2>was hilarious.

0:14:15.600 --> 0:14:22.800
<v Speaker 1>I'm like, ah.

0:14:22.080 --> 0:14:26.680
<v Speaker 2>Chow, oh my gosh. Okay, So any other news. I mean,

0:14:26.720 --> 0:14:29.600
<v Speaker 2>there's much going on. I'm like, what we.

0:14:29.600 --> 0:14:35.160
<v Speaker 1>Have to talk about? Have to do we have to Okay,

0:14:35.200 --> 0:14:37.080
<v Speaker 1>I'll do it. I'll do the talking if you want.

0:14:37.600 --> 0:14:38.000
<v Speaker 2>I'm not.

0:14:39.560 --> 0:14:42.800
<v Speaker 1>Because I know, well, tax reform, Yeah, because the Republicans

0:14:42.840 --> 0:14:44.920
<v Speaker 1>finally put out their tax reform bill and there's a

0:14:45.000 --> 0:14:47.800
<v Speaker 1>lot of stuff in there that could impact people and

0:14:47.840 --> 0:14:51.400
<v Speaker 1>your money. They're coming for your money, and so I think, yeah,

0:14:51.400 --> 0:14:53.360
<v Speaker 1>I think it's important to talk about it. So this

0:14:53.440 --> 0:14:55.600
<v Speaker 1>is a tax reform plan that is just has just

0:14:55.640 --> 0:14:59.520
<v Speaker 1>been put out. They haven't actually voted to pass it yet.

0:14:59.560 --> 0:15:01.680
<v Speaker 1>I think it with the Senate right now, or sorry,

0:15:01.720 --> 0:15:03.920
<v Speaker 1>the House and then it goes to the Senate. But

0:15:03.920 --> 0:15:06.160
<v Speaker 1>they're hoping to pass it by Christmas. But there's a

0:15:06.240 --> 0:15:08.320
<v Speaker 1>lot of stuff in here that could impact people, like

0:15:09.280 --> 0:15:12.160
<v Speaker 1>they are changing, like the income tax brackets, and I

0:15:12.240 --> 0:15:14.840
<v Speaker 1>won't take too much time like going in to explain them.

0:15:14.920 --> 0:15:17.200
<v Speaker 1>Of course, of course, as we do, there's a we

0:15:17.280 --> 0:15:20.200
<v Speaker 1>have a great graphic I can share for magnifying money

0:15:20.240 --> 0:15:22.840
<v Speaker 1>that shows you exactly what's changing with the tax brackets.

0:15:22.880 --> 0:15:26.120
<v Speaker 1>But you can see they've gone from seven tax brackets

0:15:26.160 --> 0:15:28.960
<v Speaker 1>to just four. And for some people that means they're

0:15:28.960 --> 0:15:31.560
<v Speaker 1>going to be paying more in taxes, and for some

0:15:31.640 --> 0:15:35.520
<v Speaker 1>people it means paying less. But some people are losing

0:15:35.520 --> 0:15:38.920
<v Speaker 1>and some people are winning. And then they're they're they're

0:15:38.920 --> 0:15:41.320
<v Speaker 1>getting rid of some tax deductions. So of course, when

0:15:41.320 --> 0:15:44.240
<v Speaker 1>you cut taxes, you have to make up for the

0:15:44.480 --> 0:15:47.680
<v Speaker 1>lost revenue somehow, and that generally means on the flip side,

0:15:47.680 --> 0:15:50.640
<v Speaker 1>they're going to remove some tax breaks that people get,

0:15:50.720 --> 0:15:54.440
<v Speaker 1>especially in the middle class, so things like mortgage interest

0:15:54.520 --> 0:15:56.760
<v Speaker 1>tax deduction, is going to be out of off the

0:15:56.800 --> 0:16:01.800
<v Speaker 1>table deductor mortgage interest or see no, that's not eliminated,

0:16:01.840 --> 0:16:07.040
<v Speaker 1>it's altered. So for newly purchased home the home mortgage

0:16:07.080 --> 0:16:10.440
<v Speaker 1>intratroduction is lowered to five hundred thousand dollars right now,

0:16:10.440 --> 0:16:15.680
<v Speaker 1>it's up to one million dollar home values you're going

0:16:15.680 --> 0:16:17.600
<v Speaker 1>to They're going to reduce the amount you can deduct

0:16:17.600 --> 0:16:20.280
<v Speaker 1>for medical expenses. So like right now, if you have

0:16:20.400 --> 0:16:23.840
<v Speaker 1>medical bills that are over like ten percent of your income,

0:16:24.200 --> 0:16:29.400
<v Speaker 1>you can deduct those expenses. But that's being reduced, reduced

0:16:29.440 --> 0:16:32.760
<v Speaker 1>or eliminated. Student loan interest rate deduction is being eliminated

0:16:33.000 --> 0:16:36.560
<v Speaker 1>under tax reform. So wow, right, and.

0:16:36.640 --> 0:16:38.680
<v Speaker 2>The student loans are not a headache enough.

0:16:39.160 --> 0:16:41.680
<v Speaker 1>Yeah, So that's a twenty five hundred dollars tax break

0:16:41.720 --> 0:16:45.000
<v Speaker 1>that's going to be eliminated if this goes into effect.

0:16:46.400 --> 0:16:48.400
<v Speaker 1>What else In a lot of states, like you know,

0:16:48.440 --> 0:16:52.480
<v Speaker 1>you pay your state and local income taxes. Republic the

0:16:52.520 --> 0:16:56.280
<v Speaker 1>Republican tax plan would end the deduction for state and

0:16:56.360 --> 0:16:59.280
<v Speaker 1>local income taxes. So in states like New York and

0:16:59.320 --> 0:17:02.400
<v Speaker 1>California where we pay really high state and local income taxes,

0:17:03.600 --> 0:17:06.600
<v Speaker 1>this plan would no longer allow you to make to

0:17:06.680 --> 0:17:11.280
<v Speaker 1>claim those as deductions on your taxes. So just some

0:17:11.320 --> 0:17:13.680
<v Speaker 1>little just some little niggets. Do I have any good

0:17:13.720 --> 0:17:17.480
<v Speaker 1>news to share from there? It's not all bad. I

0:17:17.480 --> 0:17:21.119
<v Speaker 1>don't want to be biased. So one of the things,

0:17:21.119 --> 0:17:23.280
<v Speaker 1>the positive side of things, is that they're not messing

0:17:23.359 --> 0:17:26.000
<v Speaker 1>with our four to one K contribution limits, like I

0:17:26.000 --> 0:17:28.280
<v Speaker 1>think we talked about that. There were the rumors that

0:17:28.320 --> 0:17:30.879
<v Speaker 1>they were going to reduce it from eighteenzy to twenty

0:17:30.880 --> 0:17:34.080
<v Speaker 1>five hundred or something, but they're not touching it, so

0:17:34.320 --> 0:17:37.320
<v Speaker 1>that's still going to be there. And the child tax

0:17:37.359 --> 0:17:42.480
<v Speaker 1>credit has been expanded, so you can now, yeah, the

0:17:42.520 --> 0:17:45.240
<v Speaker 1>child the child tax credit is up to sixteen hundred

0:17:45.280 --> 0:17:49.360
<v Speaker 1>dollars per dependent for parents. It's also going to add

0:17:49.359 --> 0:17:52.359
<v Speaker 1>a three hundred dollars tax credit if you care for

0:17:52.400 --> 0:17:56.800
<v Speaker 1>a dependent parent like someone like a grandfather or a

0:17:56.840 --> 0:18:00.159
<v Speaker 1>dependent relative who's not a child, which I think you

0:18:00.160 --> 0:18:03.080
<v Speaker 1>know is good, especially for families who are who don't

0:18:03.080 --> 0:18:06.560
<v Speaker 1>just have children who depend on them. Let's see, and

0:18:06.600 --> 0:18:08.080
<v Speaker 1>I guess that's good news. I mean, you can take

0:18:08.080 --> 0:18:10.200
<v Speaker 1>a look at this graph. I mean, so right now,

0:18:10.200 --> 0:18:12.440
<v Speaker 1>if you're in the like, I'll just give an example.

0:18:12.520 --> 0:18:14.880
<v Speaker 1>So right now, the twenty eight percent and twenty five

0:18:14.880 --> 0:18:18.359
<v Speaker 1>percent tax brackets have been combined into one single twenty

0:18:18.440 --> 0:18:20.600
<v Speaker 1>five percent tax bracket. So if you are on the

0:18:20.640 --> 0:18:23.200
<v Speaker 1>higher end of that, in the twenty eight percent tax bracket,

0:18:23.280 --> 0:18:26.840
<v Speaker 1>your taxes may be lowered, and then if you're in

0:18:26.840 --> 0:18:28.840
<v Speaker 1>the twenty five then they won't be changed at all.

0:18:29.480 --> 0:18:35.040
<v Speaker 1>That's just one example, okay, and that is your tax brief.

0:18:35.520 --> 0:18:38.320
<v Speaker 1>But it's important. So if you hate this and you

0:18:38.400 --> 0:18:41.679
<v Speaker 1>want to tell your elected officials, you should absolutely do

0:18:41.760 --> 0:18:45.680
<v Speaker 1>that because Trumpeto is pushing them to give us a

0:18:45.760 --> 0:18:49.280
<v Speaker 1>Christmas tax reform bill, so and actually pass this sucker.

0:18:49.920 --> 0:18:52.760
<v Speaker 1>So speak now or forever hold your piece.

0:18:53.760 --> 0:18:55.720
<v Speaker 2>I see, like I see when I see as far

0:18:55.760 --> 0:18:57.919
<v Speaker 2>as they have a business side to this tax reform,

0:18:58.240 --> 0:19:02.000
<v Speaker 2>Like I'm just like looking partently permanently lower the top

0:19:02.160 --> 0:19:06.000
<v Speaker 2>corporate tax rate to twenty percent from its current thirty

0:19:06.000 --> 0:19:08.760
<v Speaker 2>five percent. How convenient. I'm not surprised by that. I

0:19:08.800 --> 0:19:11.040
<v Speaker 2>was wondering, I'm like, well, how does this affect like

0:19:11.080 --> 0:19:14.840
<v Speaker 2>corporate or because like why why should corporations pay less tax?

0:19:14.880 --> 0:19:16.840
<v Speaker 2>That doesn't make any sense to that, you know, to me.

0:19:17.359 --> 0:19:19.719
<v Speaker 1>I mean that's like the Republican Republicans have been asking

0:19:19.720 --> 0:19:21.160
<v Speaker 1>for this for so long. Yeah, I didn't even talk

0:19:21.160 --> 0:19:23.280
<v Speaker 1>about the corporate side of things, but definitely. I mean

0:19:23.280 --> 0:19:25.240
<v Speaker 1>that's for that's the GOP platform. Like they want to

0:19:25.280 --> 0:19:29.240
<v Speaker 1>lower taxes for businesses, and they say that when businesses

0:19:29.280 --> 0:19:31.800
<v Speaker 1>pay less taxes, they will have more they'll have more

0:19:31.880 --> 0:19:34.760
<v Speaker 1>room to hire more people, and it will help employment.

0:19:34.800 --> 0:19:36.840
<v Speaker 1>It's a whole trickle down economic.

0:19:36.520 --> 0:19:39.320
<v Speaker 2>I was going to play that that that President Reagan

0:19:39.480 --> 0:19:42.119
<v Speaker 2>proved its bull because it did not happen.

0:19:42.880 --> 0:19:46.160
<v Speaker 1>They it just but doesn't it sound good. It sounds

0:19:46.240 --> 0:19:49.040
<v Speaker 1>just great. And of course the estate tax, so you

0:19:49.080 --> 0:19:52.040
<v Speaker 1>may have heard of that, but that's basically it's it's

0:19:52.080 --> 0:19:54.920
<v Speaker 1>a rich people's tax because it's basically an a tax

0:19:54.960 --> 0:19:57.400
<v Speaker 1>on a giant inheritance. So it's people who are leaving

0:19:57.480 --> 0:20:01.240
<v Speaker 1>large sums of money to their heirs. And with the

0:20:01.280 --> 0:20:05.840
<v Speaker 1>tax reform bill, they're going to be doubling this estate

0:20:05.920 --> 0:20:11.000
<v Speaker 1>tax exemption to nearly eleven million dollars and eventually getting

0:20:11.080 --> 0:20:13.760
<v Speaker 1>rid of it all together. So that's one more perk

0:20:13.840 --> 0:20:16.439
<v Speaker 1>for the the super rich, is that they won't have

0:20:16.440 --> 0:20:20.160
<v Speaker 1>to pay taxes on their giant bequeathments. If that's a word.

0:20:20.640 --> 0:20:22.440
<v Speaker 2>I mean some of it for businesses. I mean, like

0:20:22.480 --> 0:20:24.000
<v Speaker 2>I own a business, so I'm like, definitely, like I

0:20:24.000 --> 0:20:26.320
<v Speaker 2>can appreciate some things, but at the same time, I

0:20:26.320 --> 0:20:29.119
<v Speaker 2>don't mind paying what I should pay so other people

0:20:29.119 --> 0:20:31.920
<v Speaker 2>can be better. Like one thing, like, well, one thing

0:20:32.119 --> 0:20:33.720
<v Speaker 2>I see that I do kind of like is that

0:20:33.960 --> 0:20:36.679
<v Speaker 2>allowing businesses to immediately write off the cost of new

0:20:36.720 --> 0:20:40.640
<v Speaker 2>equipment rather than depreciating the value. Because that so, for example,

0:20:40.720 --> 0:20:43.080
<v Speaker 2>I bought a car, like that car that I bought

0:20:43.080 --> 0:20:45.040
<v Speaker 2>like a couple months ago, and so I bought it

0:20:45.119 --> 0:20:47.600
<v Speaker 2>under my business name. But it's not like I get

0:20:47.600 --> 0:20:51.719
<v Speaker 2>to write off the full twenty two thousand dollars like instead,

0:20:51.840 --> 0:20:53.600
<v Speaker 2>you have to like write it a little bit off

0:20:53.640 --> 0:20:55.520
<v Speaker 2>a year or something to that effect. On my account

0:20:55.560 --> 0:20:58.560
<v Speaker 2>was telling me that it's not like woo, you know,

0:20:58.960 --> 0:21:00.720
<v Speaker 2>like it's slowly but surely you have to appreciate the

0:21:00.800 --> 0:21:02.360
<v Speaker 2>value of the item. And I'm like, oh, it would

0:21:02.400 --> 0:21:04.200
<v Speaker 2>be nice to make it simple, like, hey, you bought

0:21:04.200 --> 0:21:08.119
<v Speaker 2>this thing, it's written off. So yeah, it'll be interesting

0:21:08.119 --> 0:21:10.719
<v Speaker 2>to see if he's able to pass some sort of legislation.

0:21:12.560 --> 0:21:13.800
<v Speaker 2>So yeah, guess we'll see.

0:21:13.960 --> 0:21:15.359
<v Speaker 1>You're yeah, I mean, it sounds like there's some good

0:21:15.359 --> 0:21:17.240
<v Speaker 1>stuff I mean, like with any this is a this

0:21:17.320 --> 0:21:19.520
<v Speaker 1>is a huge deal because they have not there hasn't

0:21:19.560 --> 0:21:21.480
<v Speaker 1>been a tax hasn't been tax reform for like what

0:21:21.600 --> 0:21:24.960
<v Speaker 1>three decades now, So it's a it's a huge deal

0:21:25.000 --> 0:21:26.800
<v Speaker 1>and it's not. I mean, I feel like some people

0:21:26.840 --> 0:21:30.120
<v Speaker 1>may win, some are definitely going to lose. I don't know. Sure,

0:21:30.480 --> 0:21:34.080
<v Speaker 1>this feels like whereas they've really failed to repeal Obamacare,

0:21:34.160 --> 0:21:35.640
<v Speaker 1>this feels like the kind of thing where they might

0:21:35.680 --> 0:21:43.360
<v Speaker 1>actually succeed. Yeah, a change is Yeah. What else? Oh,

0:21:43.400 --> 0:21:47.160
<v Speaker 1>it's open enrollment season if you have Obamacare or any

0:21:47.280 --> 0:21:50.080
<v Speaker 1>health plan. It's open enrollment season for I have to

0:21:50.080 --> 0:21:52.040
<v Speaker 1>get on my I have I'm not going to miss

0:21:52.080 --> 0:21:55.080
<v Speaker 1>the window this time, you know, miss the window? Yes,

0:21:55.960 --> 0:22:00.359
<v Speaker 1>get on that good government insurance for my husband's insurance. Yeah.

0:22:00.359 --> 0:22:02.919
<v Speaker 1>So anyway, if they only I don't know if I

0:22:02.920 --> 0:22:06.160
<v Speaker 1>feel like the windows get shorter every year, Like our

0:22:06.240 --> 0:22:10.120
<v Speaker 1>company only gave us what ten business days I think

0:22:10.160 --> 0:22:14.679
<v Speaker 1>to pick a plan and get everything settled. And the

0:22:14.760 --> 0:22:17.960
<v Speaker 1>Obamacare enrollment period also is a lot shorter this year.

0:22:18.440 --> 0:22:21.080
<v Speaker 1>You only have until December fifteenth, and they're not doing

0:22:21.119 --> 0:22:24.639
<v Speaker 1>the extended windows like they did before, where you could

0:22:25.080 --> 0:22:26.840
<v Speaker 1>I think they used to be able to pick a

0:22:26.880 --> 0:22:29.800
<v Speaker 1>plan as late as like the end of February, maybe

0:22:29.800 --> 0:22:34.639
<v Speaker 1>March first even, But so if you have Obamacare, you

0:22:34.640 --> 0:22:37.600
<v Speaker 1>need to sign up December fifteenth.

0:22:37.800 --> 0:22:39.679
<v Speaker 2>There's some great tools you can use, Like there's a

0:22:39.720 --> 0:22:44.119
<v Speaker 2>tool it's free called policy Genius. I remember, like I

0:22:44.240 --> 0:22:46.919
<v Speaker 2>used that the last time that I signed up. What

0:22:46.920 --> 0:22:48.720
<v Speaker 2>I liked about it is that because I'm not gonna

0:22:48.760 --> 0:22:51.960
<v Speaker 2>lie the whole like the website for healthcare dot gov

0:22:52.040 --> 0:22:56.000
<v Speaker 2>or whatever was confusing, and so policy genius they don't

0:22:56.040 --> 0:22:58.280
<v Speaker 2>sell health insurance. It was just it made it easy

0:22:58.320 --> 0:23:00.639
<v Speaker 2>because I just kind of put in what I needed

0:23:00.800 --> 0:23:04.560
<v Speaker 2>and they're like, okay, girl, this is the three policies

0:23:04.560 --> 0:23:06.200
<v Speaker 2>you should look into. And when you clicked on it, it

0:23:06.160 --> 0:23:09.040
<v Speaker 2>took me to where that was on the website, you

0:23:09.040 --> 0:23:10.480
<v Speaker 2>see what I mean. So I liked it because it

0:23:10.520 --> 0:23:13.080
<v Speaker 2>was just an easy tool to kind of help me

0:23:13.200 --> 0:23:15.320
<v Speaker 2>navigate when I was feeling confused. You know.

0:23:16.119 --> 0:23:19.119
<v Speaker 1>Yeah, that's a great tool. Yeah, I remember sending up

0:23:19.160 --> 0:23:19.760
<v Speaker 1>for my dad.

0:23:19.920 --> 0:23:20.160
<v Speaker 2>Well.

0:23:20.640 --> 0:23:23.879
<v Speaker 1>On that sad and bright side, a lot of health insurance.

0:23:24.480 --> 0:23:27.440
<v Speaker 1>Health insurance have been exiting the markets in some states,

0:23:27.880 --> 0:23:30.080
<v Speaker 1>so some people may not even have that many options

0:23:30.119 --> 0:23:32.680
<v Speaker 1>to choose choose from which, on the one hand, makes

0:23:32.720 --> 0:23:35.000
<v Speaker 1>things easier, but on the other hand, may make may

0:23:35.080 --> 0:23:37.880
<v Speaker 1>make it that your plans are more expensive because when

0:23:37.880 --> 0:23:41.240
<v Speaker 1>there's less competition, plans premiums tend to be more expensive.

0:23:41.320 --> 0:23:45.600
<v Speaker 1>So yeah, pros and cons. But another thing is that

0:23:45.640 --> 0:23:49.320
<v Speaker 1>the Trump administration has really slashed the budget for those

0:23:49.320 --> 0:23:52.359
<v Speaker 1>healthcare navigators, like the people that you could call and

0:23:52.400 --> 0:23:55.120
<v Speaker 1>they would help you, like they were trained to help

0:23:55.160 --> 0:24:00.119
<v Speaker 1>you pick the right plan, like for Obamacare. Yes, a

0:24:00.160 --> 0:24:02.240
<v Speaker 1>lot of states, like in some states, they don't have

0:24:02.280 --> 0:24:05.840
<v Speaker 1>any at all because they keep slashing the budget. Of course,

0:24:05.920 --> 0:24:08.280
<v Speaker 1>you know, they don't care about Obamacare. They want it

0:24:08.320 --> 0:24:11.320
<v Speaker 1>to fail, so they're doing everything they can to not

0:24:11.480 --> 0:24:17.359
<v Speaker 1>help people have a successful time, like including not advertising

0:24:17.880 --> 0:24:20.040
<v Speaker 1>like as heavily as they used to do for Obamacare

0:24:20.320 --> 0:24:21.399
<v Speaker 1>to like raise awareness.

0:24:22.280 --> 0:24:24.120
<v Speaker 2>I haven't seen hardly any at all.

0:24:24.200 --> 0:24:25.960
<v Speaker 1>Remember they there was like supposed to be a Super

0:24:26.000 --> 0:24:30.120
<v Speaker 1>Bowl ad and they pulled it wow last year, So

0:24:30.160 --> 0:24:32.679
<v Speaker 1>it's all that much harder. But I'm gonna send me

0:24:32.680 --> 0:24:34.639
<v Speaker 1>that link to that policy Genius tool and I'll put

0:24:34.640 --> 0:24:35.679
<v Speaker 1>it in the show notes.

0:24:36.280 --> 0:24:38.119
<v Speaker 2>Okay, yeah, that'll be good because, like I said, I

0:24:38.240 --> 0:24:41.879
<v Speaker 2>liked it because it was super you know what, I

0:24:41.880 --> 0:24:44.399
<v Speaker 2>should email it to the It just like reminded me

0:24:44.400 --> 0:24:46.080
<v Speaker 2>because I send like, you know, weekly emails when I

0:24:46.119 --> 0:24:48.879
<v Speaker 2>remember to the Dreamcatchers, and around the same year, I

0:24:48.960 --> 0:24:51.920
<v Speaker 2>sent it to them as here's a free, awesome resource

0:24:52.280 --> 0:24:54.560
<v Speaker 2>because so many of us were confused about how to

0:24:54.600 --> 0:24:56.640
<v Speaker 2>sign up. And I tried it, and actually I had

0:24:56.640 --> 0:24:58.920
<v Speaker 2>my sister sign up and I said, wasn't easy because

0:24:58.920 --> 0:25:01.000
<v Speaker 2>I was like trying to test it out, baby Lisa.

0:25:01.440 --> 0:25:03.800
<v Speaker 2>She was like, yeah, so easy. So yeah, I'll definitely

0:25:03.840 --> 0:25:05.640
<v Speaker 2>send you a link to use to use it.

0:25:06.080 --> 0:25:07.760
<v Speaker 1>And this is your first year. You don't have you're

0:25:07.800 --> 0:25:09.680
<v Speaker 1>not on Obamacare anymore, right for.

0:25:09.640 --> 0:25:11.159
<v Speaker 2>The yeah, for the first time, I'm like, because the

0:25:11.160 --> 0:25:13.639
<v Speaker 2>first I was like, oh yeah, loo wait, I have

0:25:13.760 --> 0:25:15.879
<v Speaker 2>built in insurance. I told my husband he can never

0:25:15.960 --> 0:25:27.800
<v Speaker 2>quit his job, never ever, all right, So so this

0:25:27.920 --> 0:25:29.880
<v Speaker 2>is kind of random. So for those women who are

0:25:31.800 --> 0:25:33.239
<v Speaker 2>I had to make a decision. So you know, I've

0:25:33.240 --> 0:25:35.480
<v Speaker 2>been telling you guys about my fibroids and whatever. So

0:25:35.560 --> 0:25:39.680
<v Speaker 2>I'm moving down the path toward surgery. Probably were happening

0:25:39.680 --> 0:25:43.480
<v Speaker 2>around February and so I don't know, I mean, I

0:25:43.480 --> 0:25:44.840
<v Speaker 2>don't know if you had to make choices like this

0:25:44.920 --> 0:25:48.440
<v Speaker 2>between your business and your career and like you know

0:25:48.920 --> 0:25:51.240
<v Speaker 2>you're personal, Well obviously we all have to make those choices.

0:25:51.280 --> 0:25:54.320
<v Speaker 2>But I got this amazing opportunity to speak at this

0:25:54.520 --> 0:25:59.960
<v Speaker 2>like four day women's conference in Americash, Morocco, and it's

0:26:00.160 --> 0:26:02.399
<v Speaker 2>all inclusive. You know, they're paying and then they're paying

0:26:02.400 --> 0:26:06.080
<v Speaker 2>like flight, hotel, like food, everything. And I was like,

0:26:06.080 --> 0:26:07.840
<v Speaker 2>oh my god, I would have done. And it's in February,

0:26:07.840 --> 0:26:09.800
<v Speaker 2>which is when I'm supposed to have my five word surgery,

0:26:10.320 --> 0:26:11.959
<v Speaker 2>and so I felt like I was being tested and

0:26:12.000 --> 0:26:15.200
<v Speaker 2>I was like today, of course, my natural knew jerk

0:26:15.240 --> 0:26:16.720
<v Speaker 2>reaction was like I'm going to Morocco.

0:26:17.359 --> 0:26:18.600
<v Speaker 3>But I was just like ugh.

0:26:19.240 --> 0:26:21.359
<v Speaker 2>But then like I'm thirty eight, and I'm just like

0:26:21.400 --> 0:26:24.199
<v Speaker 2>when when do you make time and space? You know?

0:26:24.640 --> 0:26:26.800
<v Speaker 2>And so I just wonder if our if our readers

0:26:27.000 --> 0:26:32.280
<v Speaker 2>tweet me or tweet Brown Ambition or Facebook like about like,

0:26:32.320 --> 0:26:34.360
<v Speaker 2>you know, what decisions have you made? It's hard now

0:26:34.400 --> 0:26:38.320
<v Speaker 2>when it's not just you making decisions like separating like

0:26:38.400 --> 0:26:41.760
<v Speaker 2>your career and your business or you know, and then

0:26:42.480 --> 0:26:45.359
<v Speaker 2>making decison like because this would be an amazing opportunity,

0:26:45.359 --> 0:26:47.159
<v Speaker 2>but at the same time, at what cost to my

0:26:47.240 --> 0:26:49.880
<v Speaker 2>personal like life and goals and so it's just been

0:26:49.920 --> 0:26:52.600
<v Speaker 2>not easy. I'm not gonna lie still vacillating, even though

0:26:52.960 --> 0:26:54.800
<v Speaker 2>eighty percent of me is like, girl, you're gonna stay.

0:26:54.800 --> 0:26:57.040
<v Speaker 2>You're behind home because I already told Superman. He was like, oh,

0:26:57.200 --> 0:27:01.919
<v Speaker 2>sounds cute, but you'll be here. And usually he's like

0:27:02.000 --> 0:27:04.840
<v Speaker 2>really like open, but he was like, babe, like you've

0:27:04.840 --> 0:27:06.520
<v Speaker 2>been to Morocca before me, while I've been to Morocco.

0:27:06.520 --> 0:27:08.560
<v Speaker 2>It's not gonna haven't been. I was like, I know,

0:27:08.680 --> 0:27:11.240
<v Speaker 2>but it's just like a different.

0:27:11.600 --> 0:27:14.399
<v Speaker 1>Kind of sounds like people deciding whether or not to

0:27:14.440 --> 0:27:18.280
<v Speaker 1>do drugs, Like how does this play into my overall

0:27:18.320 --> 0:27:19.600
<v Speaker 1>plan for my life?

0:27:20.440 --> 0:27:23.679
<v Speaker 2>I know, I know, but then at what cost? Because

0:27:23.800 --> 0:27:25.480
<v Speaker 2>it's like if I keep pushing it back and pushing

0:27:25.480 --> 0:27:27.720
<v Speaker 2>it back, because you know, because it's not just having

0:27:27.760 --> 0:27:30.040
<v Speaker 2>one because from what I understand, like I've been talking

0:27:30.040 --> 0:27:32.680
<v Speaker 2>to my doctor, get your surgery, but it's about six

0:27:32.720 --> 0:27:35.760
<v Speaker 2>weeks that you're kind of like out of commission, you know,

0:27:35.960 --> 0:27:38.760
<v Speaker 2>and so well at least six weeks that you're not

0:27:38.760 --> 0:27:41.000
<v Speaker 2>able to leave the house, or at least the first

0:27:41.040 --> 0:27:42.920
<v Speaker 2>two weeks and then another four weeks of like kind

0:27:42.920 --> 0:27:46.000
<v Speaker 2>of like recovery. So that part I'm not too worried

0:27:46.000 --> 0:27:48.119
<v Speaker 2>about because I don't leave the house anyway except for

0:27:48.280 --> 0:27:52.200
<v Speaker 2>like to travel for business. But it's like, well tivity.

0:27:52.200 --> 0:27:54.760
<v Speaker 2>And then after that there's actually like you know, like

0:27:55.080 --> 0:27:59.800
<v Speaker 2>trying to have the baby, and so it's just it's

0:27:59.800 --> 0:28:02.480
<v Speaker 2>just a lot of shifting that's that's gonna have to happen.

0:28:02.560 --> 0:28:05.840
<v Speaker 2>And I'm like, I'm wondering, like how women who are

0:28:05.880 --> 0:28:10.000
<v Speaker 2>like really like okay, like go hard for their career

0:28:10.080 --> 0:28:12.600
<v Speaker 2>or their business, but I also want to have a family.

0:28:12.640 --> 0:28:15.639
<v Speaker 2>How do you like navigate those things? Because I'm not

0:28:15.640 --> 0:28:18.000
<v Speaker 2>gonna lie. I'm worried about like, ah, so let's just

0:28:18.040 --> 0:28:21.880
<v Speaker 2>say all good news, surgery goes well, I get pregnant

0:28:21.960 --> 0:28:25.520
<v Speaker 2>next year. Wait, I have two businesses working on the third.

0:28:25.560 --> 0:28:28.200
<v Speaker 2>How does that all work? So I'm not gonna lie

0:28:28.280 --> 0:28:30.000
<v Speaker 2>more than a little bit nervous. So I'd be curious

0:28:30.000 --> 0:28:33.320
<v Speaker 2>for our listeners to kind of give their two sents

0:28:33.359 --> 0:28:36.960
<v Speaker 2>of what they have done too. Like I watch Adrina

0:28:37.200 --> 0:28:40.080
<v Speaker 2>and she actually has done such an incredible job, but

0:28:40.160 --> 0:28:42.200
<v Speaker 2>she it's hard for her. She has a two year

0:28:42.240 --> 0:28:45.000
<v Speaker 2>old and she runs her own company, She travels a lot,

0:28:45.040 --> 0:28:47.960
<v Speaker 2>she travels more than I do, and so it's hard,

0:28:48.800 --> 0:28:51.280
<v Speaker 2>you know, her navigating that. So I just wonder, like,

0:28:51.280 --> 0:28:52.720
<v Speaker 2>what does that look like? What do you do? What

0:28:52.760 --> 0:28:54.680
<v Speaker 2>are some things that could put in place now, you

0:28:54.720 --> 0:28:56.640
<v Speaker 2>know for those of you women who are like, you know,

0:28:56.880 --> 0:29:00.920
<v Speaker 2>super career focused and business focused. So, yeah, what's our twitter.

0:29:00.720 --> 0:29:03.360
<v Speaker 1>Again at the BA podcast?

0:29:04.320 --> 0:29:05.760
<v Speaker 2>At the BA podcast, so you can tweet me at

0:29:05.880 --> 0:29:08.320
<v Speaker 2>the Budgeti's still or send us a Facebook message, you know,

0:29:08.600 --> 0:29:11.360
<v Speaker 2>because we're sometimes the other part of the BA podcast

0:29:11.480 --> 0:29:15.560
<v Speaker 2>we're you know, aside from personal finance, is like career

0:29:16.320 --> 0:29:19.080
<v Speaker 2>and business. And so I know some of you guys,

0:29:19.440 --> 0:29:22.000
<v Speaker 2>most of us, I'm sure if most of y'all are working.

0:29:22.600 --> 0:29:24.280
<v Speaker 2>And so what does that look like if you're already

0:29:24.320 --> 0:29:26.160
<v Speaker 2>a mom or your mom to be, or you're planning

0:29:26.200 --> 0:29:27.480
<v Speaker 2>to be a mom, Like, what are some things that

0:29:27.520 --> 0:29:30.680
<v Speaker 2>you have planned in order to work or somethings you've

0:29:30.680 --> 0:29:33.160
<v Speaker 2>done that's been successful helping you make the transition?

0:29:35.760 --> 0:29:37.160
<v Speaker 1>Yeah, I have no I can't help you there.

0:29:37.160 --> 0:29:37.280
<v Speaker 3>All.

0:29:37.640 --> 0:29:39.880
<v Speaker 1>All I will say is that there, I don't know,

0:29:40.040 --> 0:29:43.160
<v Speaker 1>just have the baby and figure it out, Like fine,

0:29:44.320 --> 0:29:44.800
<v Speaker 1>you'll be.

0:29:44.720 --> 0:29:47.400
<v Speaker 2>Fine, right, I would like baddy. Wait, the baby's crying

0:29:47.440 --> 0:29:50.720
<v Speaker 2>in the background. Hold on, girl trying to pay off podcast.

0:29:51.200 --> 0:29:54.160
<v Speaker 1>My really good friends just had a baby. Congrats Kristen.

0:29:55.560 --> 0:29:57.440
<v Speaker 1>She's a little Hallerween baby.

0:29:57.560 --> 0:29:58.880
<v Speaker 2>A cute name Rayah.

0:29:59.560 --> 0:30:03.640
<v Speaker 1>Yeah. Yeah. And I don't know, man, she she had

0:30:03.640 --> 0:30:06.880
<v Speaker 1>to do it. She only gets very limited like maternity

0:30:06.960 --> 0:30:11.360
<v Speaker 1>leave because she's a nurse, and I think it's like

0:30:11.480 --> 0:30:13.880
<v Speaker 1>ten weeks because she hasn't been there a full year yet,

0:30:14.200 --> 0:30:16.760
<v Speaker 1>so it's just the bare minimum of whatever the Federal

0:30:18.360 --> 0:30:21.720
<v Speaker 1>Uh Leave Act like requires. And I don't know, I

0:30:21.720 --> 0:30:24.600
<v Speaker 1>don't show. Thank god. Her husband works for Etsy, which

0:30:24.640 --> 0:30:27.280
<v Speaker 1>is like this, you know, you know what Etsy is.

0:30:27.560 --> 0:30:29.680
<v Speaker 1>But they have like a really liberal like six month

0:30:30.280 --> 0:30:34.960
<v Speaker 1>family leave policy like for mothers and fathers. So that's

0:30:35.120 --> 0:30:37.000
<v Speaker 1>so it's like an interesting like flip. Usually it's the

0:30:37.040 --> 0:30:38.680
<v Speaker 1>mom taking off the most time, but it looks like

0:30:38.720 --> 0:30:42.480
<v Speaker 1>her husband might have to take off more time, and

0:30:42.480 --> 0:30:44.120
<v Speaker 1>they're just kind of like figuring it out as they go.

0:30:45.480 --> 0:30:48.240
<v Speaker 2>Yeah, and that's I guess that's parenthood, figuring it out,

0:30:48.280 --> 0:30:51.640
<v Speaker 2>figuring it out as you go, you know, And it

0:30:51.720 --> 0:30:55.600
<v Speaker 2>forces you to really prioritize because from what I can see,

0:30:55.640 --> 0:30:57.600
<v Speaker 2>like of like the new moms that I know, they're like, girl,

0:30:57.680 --> 0:31:02.320
<v Speaker 2>I don't have time for what that like, you know,

0:31:02.520 --> 0:31:06.719
<v Speaker 2>like really prioritizing your time and your energy and your space.

0:31:07.280 --> 0:31:10.120
<v Speaker 2>So yes, ooh good news about the house though, are

0:31:10.160 --> 0:31:11.520
<v Speaker 2>supposed to be closing on the twenty eighth.

0:31:12.240 --> 0:31:13.840
<v Speaker 1>This has been a long process.

0:31:14.120 --> 0:31:16.640
<v Speaker 2>What I feel like I have been the poster child

0:31:16.760 --> 0:31:20.280
<v Speaker 2>of how in the hell is this along to buy

0:31:20.280 --> 0:31:24.280
<v Speaker 2>a house? So yeah, because you know, it's been so crazy,

0:31:24.320 --> 0:31:26.680
<v Speaker 2>I mean just in general, not just even this particular house,

0:31:26.720 --> 0:31:31.480
<v Speaker 2>like just the house buying search and process, and so

0:31:31.600 --> 0:31:34.920
<v Speaker 2>apparently when you buy a foreclosure, it's very common to

0:31:35.000 --> 0:31:38.280
<v Speaker 2>have little glitches and hiccups along the way. The city

0:31:38.320 --> 0:31:43.000
<v Speaker 2>of Newark is is becoming more and more digital, so

0:31:43.080 --> 0:31:46.320
<v Speaker 2>as a result, some of the processes are were fully

0:31:46.360 --> 0:31:48.600
<v Speaker 2>fleshed out. So we have to get a CO which

0:31:48.640 --> 0:31:51.240
<v Speaker 2>is a certificate of occupacy, which basically says this house

0:31:51.320 --> 0:31:54.040
<v Speaker 2>is safe, you can sell it. And so they had

0:31:54.040 --> 0:31:59.480
<v Speaker 2>it online that only the seller could apply and pick

0:31:59.560 --> 0:32:01.640
<v Speaker 2>up the sea. But the seller is a bank in

0:32:01.640 --> 0:32:04.680
<v Speaker 2>the Midwest, so that doesn't even make sense. And so

0:32:04.720 --> 0:32:06.760
<v Speaker 2>we kept pushing the city of Newark, like you know,

0:32:06.800 --> 0:32:10.520
<v Speaker 2>you're making your it's impossible. So literally, anyone who has

0:32:10.520 --> 0:32:13.560
<v Speaker 2>a foreclosed property and the it's not a person is

0:32:13.600 --> 0:32:15.920
<v Speaker 2>not going to be able to sell their house. So

0:32:15.960 --> 0:32:17.840
<v Speaker 2>it's a few weeks of confusion. So they finally the

0:32:17.840 --> 0:32:20.440
<v Speaker 2>City of Newarker realized, oops, so now if you go online,

0:32:20.440 --> 0:32:22.680
<v Speaker 2>now you have to get the CEO one they're allowing

0:32:22.680 --> 0:32:25.120
<v Speaker 2>the buyer to apply for it. Or if you are

0:32:25.240 --> 0:32:27.720
<v Speaker 2>a seller, that's that's you know, like a bank or

0:32:27.760 --> 0:32:30.720
<v Speaker 2>it's a foreclosed property, you could go about it a

0:32:30.720 --> 0:32:33.800
<v Speaker 2>different way. So that was that was literally the only

0:32:33.840 --> 0:32:35.440
<v Speaker 2>thing holding us up is we have to get this

0:32:35.480 --> 0:32:38.880
<v Speaker 2>piece of paper that you get once you apparently with

0:32:38.880 --> 0:32:41.120
<v Speaker 2>the CEO you have people from the city come like

0:32:41.160 --> 0:32:43.000
<v Speaker 2>you have to fire people, some other cold people to

0:32:43.040 --> 0:32:46.320
<v Speaker 2>say this house is not there's no risk in living

0:32:46.400 --> 0:32:49.400
<v Speaker 2>in this house. Yet the house can change hands. So

0:32:49.440 --> 0:32:50.760
<v Speaker 2>that's what we've been waiting on for weeks and weeks

0:32:50.760 --> 0:32:53.120
<v Speaker 2>and weeks, and so finally we applied and the next

0:32:53.120 --> 0:32:56.000
<v Speaker 2>couple of weeks will have the fire people and the

0:32:56.040 --> 0:32:58.840
<v Speaker 2>other inspection people come out to certify the house is

0:32:58.880 --> 0:33:02.880
<v Speaker 2>indeed safe, and then we closed on the twenty eighth

0:33:02.920 --> 0:33:07.600
<v Speaker 2>of November, right after Thanksgiving, which I think is very appropriate.

0:33:07.840 --> 0:33:10.719
<v Speaker 2>So I'm super duper excited. Quiet as it's kept though

0:33:10.720 --> 0:33:12.520
<v Speaker 2>we halfway moved in because we got the keys.

0:33:15.120 --> 0:33:16.000
<v Speaker 1>You're already moving in.

0:33:16.680 --> 0:33:19.760
<v Speaker 2>No, But it's funny because like we like, well like

0:33:19.800 --> 0:33:22.600
<v Speaker 2>Superman has gotten we have like all this like stuff,

0:33:23.560 --> 0:33:26.200
<v Speaker 2>Like we're like, so he's gone there, already cleaned out

0:33:26.240 --> 0:33:28.760
<v Speaker 2>some things, moved it because it's still like people stuff

0:33:28.760 --> 0:33:31.160
<v Speaker 2>in there, so like like put some of our things

0:33:31.160 --> 0:33:33.080
<v Speaker 2>in there. I'm like, we haven't even bought the house.

0:33:33.080 --> 0:33:34.440
<v Speaker 2>She he was like, the vek is in the Midwest,

0:33:34.440 --> 0:33:37.360
<v Speaker 2>what are they gonna do? And so yeah, we've been

0:33:37.480 --> 0:33:41.160
<v Speaker 2>very very very disrespectful with their time and been like whatever,

0:33:41.200 --> 0:33:43.200
<v Speaker 2>this is our house. So I'm just excited that it's

0:33:43.240 --> 0:33:45.680
<v Speaker 2>finally like I could see the light at the end

0:33:45.720 --> 0:33:47.640
<v Speaker 2>of the tunnel because I really was, like, I just

0:33:47.640 --> 0:33:51.400
<v Speaker 2>want to give a shout out to my uh my

0:33:51.560 --> 0:33:56.040
<v Speaker 2>girl Amina, who has been the most amazing realtor. She

0:33:56.440 --> 0:33:59.000
<v Speaker 2>is a fighter. I mean she they literally changed the

0:33:59.040 --> 0:34:02.520
<v Speaker 2>policy because of how much she fought, and so like

0:34:02.600 --> 0:34:04.480
<v Speaker 2>the City of Newark, like this doesn't make sense, it

0:34:04.520 --> 0:34:06.360
<v Speaker 2>doesn't make sense. So she has been going so hard.

0:34:06.560 --> 0:34:08.880
<v Speaker 2>There's very few people that I meet in business and

0:34:08.920 --> 0:34:12.279
<v Speaker 2>in life that go above and beyond. And when you

0:34:12.280 --> 0:34:14.880
<v Speaker 2>meet someone like that, it's like, you know, meeting a unicorn.

0:34:15.239 --> 0:34:19.239
<v Speaker 2>Amina is like five unicorns. She is like five four

0:34:19.480 --> 0:34:23.600
<v Speaker 2>and like eighty pounds silking web. And Amina, meanwhile, has

0:34:23.640 --> 0:34:25.960
<v Speaker 2>five kids, all over the age of seven. And this

0:34:26.000 --> 0:34:28.959
<v Speaker 2>woman is a powerhouse. And if she's a young woman,

0:34:29.000 --> 0:34:30.399
<v Speaker 2>she's in her thirties, like, you know.

0:34:30.880 --> 0:34:33.719
<v Speaker 1>The age of seven. Hold on a second, yes, five kids.

0:34:34.480 --> 0:34:37.319
<v Speaker 2>To ask her for advice, I got guys should and

0:34:37.320 --> 0:34:39.799
<v Speaker 2>they're so like I've been to her house and those kids,

0:34:39.800 --> 0:34:42.799
<v Speaker 2>they're so beautiful. She's got such a beautiful family. But

0:34:43.360 --> 0:34:45.840
<v Speaker 2>typically you would think there's no way, how is she

0:34:45.880 --> 0:34:47.440
<v Speaker 2>going to be able to manage all of these cause

0:34:47.440 --> 0:34:50.840
<v Speaker 2>I'm not obviously her only client, but she does, and

0:34:50.880 --> 0:34:54.880
<v Speaker 2>she is amazing, amazing people ask me, okay share, the

0:34:54.920 --> 0:35:00.080
<v Speaker 2>answer is now no. I always asking me that. She's like,

0:35:00.920 --> 0:35:02.520
<v Speaker 2>She's like, I don't take all too many clients, obviously

0:35:02.560 --> 0:35:05.000
<v Speaker 2>because her kids come first. But when you find the

0:35:05.080 --> 0:35:07.520
<v Speaker 2>right person to help you with your such like, she's

0:35:07.560 --> 0:35:10.160
<v Speaker 2>made magic happen. So yeah, I just want to give

0:35:10.200 --> 0:35:12.080
<v Speaker 2>her a little shout a Mina, and thank you for

0:35:12.160 --> 0:35:16.279
<v Speaker 2>just making this this impossible process possible. She said, Oh no,

0:35:16.320 --> 0:35:17.280
<v Speaker 2>we got to get you a house.

0:35:18.520 --> 0:35:21.360
<v Speaker 1>So awesome. All right, thanksgiving miracle.

0:35:21.960 --> 0:35:35.000
<v Speaker 3>Yes, so brown boosts, brown break. What you're gonna do?

0:35:35.520 --> 0:35:36.680
<v Speaker 3>Boost or break?

0:35:36.800 --> 0:35:39.160
<v Speaker 2>Am I gonna come for you? Are you gonna have boost?

0:35:39.200 --> 0:35:40.000
<v Speaker 2>Are you gonna break?

0:35:40.120 --> 0:35:44.040
<v Speaker 1>I'm gonna take a boost opportunity to have an opportunity

0:35:44.200 --> 0:35:47.520
<v Speaker 1>to boost. I don't think I've boosted ally Bank in

0:35:47.560 --> 0:35:51.160
<v Speaker 1>a long time, but I needs to give them a

0:35:51.160 --> 0:35:54.480
<v Speaker 1>shout out. I'm very I feel like, weirdly loyal to

0:35:54.560 --> 0:35:58.480
<v Speaker 1>ally Bank for my savings. What is it about them?

0:35:58.560 --> 0:36:01.120
<v Speaker 1>Is it like the purple color? Is it those delicious

0:36:01.440 --> 0:36:03.719
<v Speaker 1>Is it the cookies that they put out at conferences

0:36:03.719 --> 0:36:05.080
<v Speaker 1>that just taste so good? Like?

0:36:05.080 --> 0:36:05.680
<v Speaker 2>What is it?

0:36:06.680 --> 0:36:08.880
<v Speaker 1>But I it brought it came to mind because my

0:36:08.880 --> 0:36:11.520
<v Speaker 1>little brother, I've been helping him with his like oh

0:36:11.560 --> 0:36:13.160
<v Speaker 1>and he listens to the podcast. Now it's now I

0:36:13.200 --> 0:36:16.840
<v Speaker 1>gotta wash my mouth. But anyway, he had asked me

0:36:16.880 --> 0:36:19.960
<v Speaker 1>for help finding an online savings accountant and he's like, okay, Well,

0:36:19.960 --> 0:36:23.680
<v Speaker 1>based on the top five online rates right now, Ally

0:36:23.760 --> 0:36:25.440
<v Speaker 1>isn't number one. And I'm like, yeah, but it's like

0:36:25.560 --> 0:36:28.800
<v Speaker 1>number three, and I've been with it for so long,

0:36:28.880 --> 0:36:31.480
<v Speaker 1>and I just feel this inexplicable tie to it. And

0:36:31.520 --> 0:36:34.360
<v Speaker 1>I don't mind the fact that it's like zero point

0:36:34.440 --> 0:36:37.960
<v Speaker 1>one percent, like less than some other online savings options

0:36:37.960 --> 0:36:40.799
<v Speaker 1>out there. I think. I think it's still a great bank.

0:36:40.880 --> 0:36:42.879
<v Speaker 1>And one thing I'll say is like for the last

0:36:42.880 --> 0:36:45.600
<v Speaker 1>six months, there's been this like as rates have been

0:36:45.680 --> 0:36:50.000
<v Speaker 1>rising incrementally over all over the board, like these online

0:36:50.040 --> 0:36:54.520
<v Speaker 1>savings banks have or sorry, online banks have been really competing,

0:36:54.600 --> 0:36:56.680
<v Speaker 1>and I feel like every other month there's been an

0:36:56.680 --> 0:36:59.200
<v Speaker 1>email saying we've raised our rate. We raised our rate

0:36:59.280 --> 0:37:01.400
<v Speaker 1>like a little bit at a time, and Ally has

0:37:01.440 --> 0:37:04.600
<v Speaker 1>constantly been has been there ratcheting up its rate a

0:37:04.600 --> 0:37:06.640
<v Speaker 1>little bit at a time as the competitors have been

0:37:06.680 --> 0:37:09.919
<v Speaker 1>raising their rates. So I feel good about like hanging out.

0:37:09.960 --> 0:37:13.840
<v Speaker 1>But it's just if you're stuck with like a crappy

0:37:14.600 --> 0:37:20.600
<v Speaker 1>brick and mortar bank like Bank of whatever, and you're

0:37:20.719 --> 0:37:24.799
<v Speaker 1>making like point zero zero zero zero negative money on

0:37:24.840 --> 0:37:27.960
<v Speaker 1>your savings, like there's no excuse anymore. Like online banks

0:37:28.080 --> 0:37:30.399
<v Speaker 1>have proven that they are reliable, that they're not going

0:37:30.440 --> 0:37:33.279
<v Speaker 1>anywhere your money is insured, you should take the time

0:37:33.320 --> 0:37:36.880
<v Speaker 1>and transfer your money to your savings. You know, your savings,

0:37:37.000 --> 0:37:40.239
<v Speaker 1>especially to a high yield savings account. There's just no

0:37:40.280 --> 0:37:44.200
<v Speaker 1>reason not to. And I like ally, but there's Charles Schwab,

0:37:44.239 --> 0:37:47.200
<v Speaker 1>there's Gold and Sachs. I think my brother went with Synchrony,

0:37:47.280 --> 0:37:49.919
<v Speaker 1>has an online bank account. There's a lot of other

0:37:50.080 --> 0:37:52.080
<v Speaker 1>options now, like way more than there used to be,

0:37:53.200 --> 0:37:55.600
<v Speaker 1>like when I first opened Mind several years ago. So

0:37:56.640 --> 0:38:00.400
<v Speaker 1>that's my shout out. I mean, my brain, my bo.

0:38:00.280 --> 0:38:03.560
<v Speaker 2>When I got that email, I was like my Monday definitely,

0:38:03.600 --> 0:38:07.959
<v Speaker 2>that was awesome. I wanted to take a break from

0:38:08.000 --> 0:38:13.520
<v Speaker 2>American Airlines. Yes, I said it. Thank you for making

0:38:13.719 --> 0:38:17.360
<v Speaker 2>uh the most stressful trip home. It just was crazy,

0:38:17.440 --> 0:38:19.879
<v Speaker 2>Like I will say this, so I'll do a break

0:38:19.880 --> 0:38:23.840
<v Speaker 2>in a boost. American Airlines. You're a trash because there's

0:38:23.880 --> 0:38:26.960
<v Speaker 2>nothing more heartbreaking than depoorting a plane twice. You get

0:38:27.000 --> 0:38:28.719
<v Speaker 2>on the plane, you're like, yes, I've got to go home,

0:38:28.800 --> 0:38:31.640
<v Speaker 2>last leg of this long journey. You're deboard because of

0:38:31.680 --> 0:38:36.520
<v Speaker 2>whatever technical issues and you're like, okay, no big geting there,

0:38:36.520 --> 0:38:37.759
<v Speaker 2>Like it's gonna be a two hour weaight, but then

0:38:37.800 --> 0:38:39.239
<v Speaker 2>they cut it down to an hour and you're like weo,

0:38:39.239 --> 0:38:41.040
<v Speaker 2>we back on, and then you get on the plane

0:38:41.200 --> 0:38:43.319
<v Speaker 2>ready to go, and then they deboard you and say, oh,

0:38:43.320 --> 0:38:45.960
<v Speaker 2>by the way, we're canceled. I wanted to like run

0:38:45.960 --> 0:38:49.319
<v Speaker 2>through the plane screaming, but so it broke because I

0:38:49.360 --> 0:38:51.840
<v Speaker 2>was like, it was literally my last it was my

0:38:51.920 --> 0:38:54.360
<v Speaker 2>third and final flight of the evening. So I understly,

0:38:54.360 --> 0:38:58.279
<v Speaker 2>I'm not gonna lie. I started crying. I was so

0:38:58.280 --> 0:39:01.720
<v Speaker 2>tired and frustrated. I was like, wait, I left Australia yesterday,

0:39:01.760 --> 0:39:05.239
<v Speaker 2>I'm still traveling in these clothes. I probably like I

0:39:05.320 --> 0:39:08.200
<v Speaker 2>just I have not taken a shower in like fourteen hours,

0:39:08.520 --> 0:39:10.080
<v Speaker 2>and I want to go.

0:39:10.719 --> 0:39:13.520
<v Speaker 1>And so you shouldst TOAACP.

0:39:14.160 --> 0:39:16.080
<v Speaker 2>I know, right, But honestly, I booked this trip before

0:39:16.080 --> 0:39:18.719
<v Speaker 2>all that. But yeah, so yes, American Airlines, you're trash.

0:39:18.800 --> 0:39:21.200
<v Speaker 2>You get a brown break, But who does get a boosted?

0:39:21.960 --> 0:39:24.840
<v Speaker 2>I called because so here's a little tip. If you

0:39:24.960 --> 0:39:29.160
<v Speaker 2>ever have your flight canceled, do not wait in that

0:39:29.280 --> 0:39:31.520
<v Speaker 2>long customer service line, because by the time you get there,

0:39:31.840 --> 0:39:34.040
<v Speaker 2>whatever flights that they're gonna rebook you and have already

0:39:34.040 --> 0:39:36.400
<v Speaker 2>been probably filled by the people before you. So instead

0:39:36.480 --> 0:39:40.200
<v Speaker 2>just call them. So I called the American Airlines and

0:39:40.480 --> 0:39:42.279
<v Speaker 2>the first woman and she was really helpful, but she

0:39:42.320 --> 0:39:44.759
<v Speaker 2>was like, oh, we could fly you into Newark tomorrow.

0:39:45.160 --> 0:39:47.000
<v Speaker 2>I'm like, oh, because I'm gonna sleep on the airplane

0:39:47.040 --> 0:39:51.560
<v Speaker 2>floor now. Then I called back and then the second

0:39:51.560 --> 0:39:54.239
<v Speaker 2>woman was like, you know what, there's a flight into

0:39:54.320 --> 0:39:57.200
<v Speaker 2>La Guardia and it lands at like you know, it

0:39:57.280 --> 0:39:59.440
<v Speaker 2>leads in an hour. So she was so helpful and

0:39:59.480 --> 0:40:01.160
<v Speaker 2>she's like, what your email addressed? And I told her

0:40:01.160 --> 0:40:03.279
<v Speaker 2>the budget needs to edd email, which is like my

0:40:03.280 --> 0:40:06.400
<v Speaker 2>personal email dress, do not email me. And she was

0:40:06.440 --> 0:40:10.560
<v Speaker 2>like budget is. She was a DreamCatcher. Her name was Shakira,

0:40:11.000 --> 0:40:15.920
<v Speaker 2>and Shakira was so nice and friendly and accommodating, and

0:40:15.960 --> 0:40:17.759
<v Speaker 2>I said, we ended up having a good key key

0:40:17.800 --> 0:40:19.279
<v Speaker 2>and she was like, girl'll get your emails. You help

0:40:19.320 --> 0:40:20.759
<v Speaker 2>me get my life together. Oh my god.

0:40:21.480 --> 0:40:21.680
<v Speaker 3>Yeah.

0:40:21.880 --> 0:40:25.200
<v Speaker 2>And honestly, I said, Shakira, because but by then I

0:40:25.200 --> 0:40:27.040
<v Speaker 2>was still like still wobbly in the vorce. I said,

0:40:27.080 --> 0:40:29.799
<v Speaker 2>I was about to light American Airlines on fire on

0:40:29.840 --> 0:40:33.000
<v Speaker 2>social media, but because of you, girl, I'm gona wait

0:40:33.040 --> 0:40:37.640
<v Speaker 2>till tomorrow. And she was rolling and I said no,

0:40:37.680 --> 0:40:40.240
<v Speaker 2>but honestly, I was really going to go to Twitter

0:40:40.320 --> 0:40:44.080
<v Speaker 2>and like you know, really like assault American Airlines in

0:40:44.120 --> 0:40:47.080
<v Speaker 2>a nice nasty way, like you know, like going through

0:40:47.080 --> 0:40:50.720
<v Speaker 2>my time in my day with what how what American

0:40:50.719 --> 0:40:53.680
<v Speaker 2>Airlines put me through? But because of Shakira, it piut

0:40:53.680 --> 0:40:56.000
<v Speaker 2>me in such a good space because she was, like

0:40:56.000 --> 0:40:59.080
<v Speaker 2>I said, it was so nice so accommodating was like

0:40:59.160 --> 0:41:00.800
<v Speaker 2>you know what, it took her a good ten minutes

0:41:00.840 --> 0:41:02.960
<v Speaker 2>to kind of like look through. She looked through every

0:41:03.000 --> 0:41:05.960
<v Speaker 2>possible scenario and found me this one seat I had

0:41:05.960 --> 0:41:07.480
<v Speaker 2>to fly in some local party of books such as

0:41:07.520 --> 0:41:09.279
<v Speaker 2>Life and if she even said, like you know your

0:41:09.320 --> 0:41:12.120
<v Speaker 2>Uber ride, here's the website that you go to to

0:41:12.239 --> 0:41:14.720
<v Speaker 2>send like proof and like you know, explain what happened

0:41:14.760 --> 0:41:16.120
<v Speaker 2>and to see if you can get your money back

0:41:16.160 --> 0:41:18.920
<v Speaker 2>for the uber ride. So Shakira, here's to you. You

0:41:19.040 --> 0:41:22.000
<v Speaker 2>are Brown Ambition personified. And if I would have known,

0:41:22.040 --> 0:41:23.480
<v Speaker 2>I wouldn't have thought about it, but I would have

0:41:23.520 --> 0:41:24.879
<v Speaker 2>told her, girl, what's your email? I just I will

0:41:24.880 --> 0:41:27.919
<v Speaker 2>send you like some swag or book or something, because

0:41:27.960 --> 0:41:30.480
<v Speaker 2>she just was really excellent. So Brown boost to you, Shakira.

0:41:30.760 --> 0:41:33.200
<v Speaker 2>But the company you work for is a break today.

0:41:34.560 --> 0:41:37.840
<v Speaker 1>That's awesome. That was almost I'm gonna I'm gonna transition

0:41:37.920 --> 0:41:40.000
<v Speaker 1>that to a boost actually, because actually.

0:41:41.320 --> 0:41:44.440
<v Speaker 2>I'm up here. That's true. We're gonna upgrade. We're let

0:41:44.440 --> 0:41:47.080
<v Speaker 2>me uprage. We gotta Shakira.

0:41:47.200 --> 0:41:51.240
<v Speaker 1>I got recognized by an airline attendant on the phone.

0:41:51.320 --> 0:41:52.160
<v Speaker 1>That's like awesome.

0:41:53.200 --> 0:41:56.239
<v Speaker 2>Yeah, that was really awesome. I was like, Sakia girl.

0:41:56.280 --> 0:41:58.239
<v Speaker 1>Hey, I'm gonna use your email address next time I

0:41:58.239 --> 0:42:00.239
<v Speaker 1>need to get change to yes.

0:42:01.400 --> 0:42:10.279
<v Speaker 2>Yes, oh yeah, that was that was definitely different. Oh

0:42:10.360 --> 0:42:15.759
<v Speaker 2>my god, I'm sure we have some awesome questions from listeners.

0:42:16.440 --> 0:42:18.880
<v Speaker 1>Yes, per usual. Yeah, we have a couple of questions.

0:42:18.880 --> 0:42:21.919
<v Speaker 1>I'll pull up right now from the reader in box,

0:42:21.920 --> 0:42:24.080
<v Speaker 1>and if you have questions, you can email us at

0:42:24.120 --> 0:42:27.680
<v Speaker 1>Brown Ambition Podcast at gmail dot com or go to

0:42:27.800 --> 0:42:33.120
<v Speaker 1>Brand Ambition podcast dot com. Okay, come on, thank you.

0:42:33.840 --> 0:42:37.080
<v Speaker 2>Sorry I forgot I was like wait, wait it's time.

0:42:37.680 --> 0:42:39.600
<v Speaker 1>Your dot com is on Australian time.

0:42:40.320 --> 0:42:40.640
<v Speaker 2>Yes.

0:42:41.719 --> 0:42:44.200
<v Speaker 1>Yeah, So first question comes from so. One is a

0:42:44.280 --> 0:42:46.239
<v Speaker 1>credit question, and then we have which I think is

0:42:46.280 --> 0:42:48.640
<v Speaker 1>a good credit question that people may not think to ask,

0:42:48.719 --> 0:42:50.479
<v Speaker 1>but I thought that was good. And then another one

0:42:50.560 --> 0:42:55.399
<v Speaker 1>on savings. So first question from listener Kai. She says,

0:42:55.440 --> 0:42:58.479
<v Speaker 1>I've recently obtained my first credit card, and I'm hoping

0:42:58.520 --> 0:43:00.720
<v Speaker 1>you can help me understand how the timing of credit

0:43:00.719 --> 0:43:04.600
<v Speaker 1>card payments plays into my credit card utilization rate and

0:43:04.600 --> 0:43:09.160
<v Speaker 1>credit score. So here's my specific question. My credit card

0:43:09.239 --> 0:43:11.840
<v Speaker 1>has a three hundred dollars limit, and as of today,

0:43:11.840 --> 0:43:16.000
<v Speaker 1>my balance is two ninety seven point one eight. My

0:43:16.080 --> 0:43:18.880
<v Speaker 1>payment du date is also today. But when I go

0:43:18.960 --> 0:43:21.680
<v Speaker 1>to make a payment online, I'm given these options. Either

0:43:21.719 --> 0:43:24.920
<v Speaker 1>pay the minimum payment of twenty dollars, pay the last

0:43:24.960 --> 0:43:28.200
<v Speaker 1>statement total, the last statement balance of one hundred ninety

0:43:28.239 --> 0:43:32.520
<v Speaker 1>three dollars, or pay the entire current current balance, which

0:43:32.600 --> 0:43:35.879
<v Speaker 1>is two hundred ninety seven dollars. If my payment due

0:43:35.920 --> 0:43:38.760
<v Speaker 1>date is today, should I pay the last statement balance

0:43:38.880 --> 0:43:42.759
<v Speaker 1>or the total current balance? That is her question, And

0:43:42.800 --> 0:43:45.080
<v Speaker 1>how will this impact That's the first part of her questions.

0:43:45.080 --> 0:43:47.640
<v Speaker 1>So I just want to stop there because I do

0:43:47.680 --> 0:43:50.040
<v Speaker 1>think people may wonder, like, what's the difference, you know,

0:43:50.480 --> 0:43:55.279
<v Speaker 1>statement balance, current balance, minimum balance or minimum due for me?

0:43:55.719 --> 0:43:58.920
<v Speaker 1>Like for me, I would I would say definitely the

0:43:58.960 --> 0:44:02.680
<v Speaker 1>statement balance is what it's most important. So that is

0:44:02.719 --> 0:44:04.960
<v Speaker 1>what gets reported on your credit report.

0:44:05.719 --> 0:44:05.919
<v Speaker 3>YEP.

0:44:06.120 --> 0:44:08.200
<v Speaker 1>The reason your total balance is more than that is

0:44:08.239 --> 0:44:10.560
<v Speaker 1>because your statement balance has a cut off date whenever

0:44:10.560 --> 0:44:13.680
<v Speaker 1>your statement ends the fifteenth of the month, the fourteenth

0:44:13.719 --> 0:44:16.040
<v Speaker 1>or whatever. And at that point they say, okay, here's

0:44:16.080 --> 0:44:18.279
<v Speaker 1>where the clock stops on your current bill for this

0:44:18.440 --> 0:44:20.160
<v Speaker 1>for this statement period, and we're going to bill you

0:44:20.160 --> 0:44:23.160
<v Speaker 1>for that amount. If you keep racking up charges, that'll

0:44:23.160 --> 0:44:26.080
<v Speaker 1>add to your total balance, but that officially, that money

0:44:26.080 --> 0:44:28.439
<v Speaker 1>that you're racking up now officially won't become due until

0:44:28.480 --> 0:44:31.399
<v Speaker 1>your next statement ends, exactly. So that's why it's really

0:44:31.400 --> 0:44:33.960
<v Speaker 1>important to at least pay the statement balance off.

0:44:34.280 --> 0:44:35.799
<v Speaker 2>If you have the money too, like if you.

0:44:35.840 --> 0:44:38.279
<v Speaker 1>Have the money too, which can be a good thing,

0:44:38.320 --> 0:44:40.239
<v Speaker 1>like if you don't, if you don't have necessarily enough

0:44:40.280 --> 0:44:42.760
<v Speaker 1>money to cover your current balance, but your statement balance

0:44:42.800 --> 0:44:44.359
<v Speaker 1>is enough and you can cover that all in one

0:44:44.400 --> 0:44:47.200
<v Speaker 1>fell swoop, and that's great.

0:44:46.080 --> 0:44:48.960
<v Speaker 2>That that full balance, though it is like heartwrench because

0:44:48.960 --> 0:44:52.520
<v Speaker 2>you're like, oh I, oh wait a minute. Yeah, when

0:44:52.560 --> 0:44:55.560
<v Speaker 2>you see the pending payment, you're like, oh man, those

0:44:55.640 --> 0:45:01.200
<v Speaker 2>darn ubers, right. You also want to throw in that

0:45:01.680 --> 0:45:04.360
<v Speaker 2>one of the reasons why I don't particularly like paying

0:45:04.440 --> 0:45:08.600
<v Speaker 2>on the credit card website because of those kind of

0:45:08.680 --> 0:45:12.799
<v Speaker 2>like limited choices. So I do bill pay. So you

0:45:12.880 --> 0:45:15.920
<v Speaker 2>put in like your Every major bank and even some

0:45:16.000 --> 0:45:18.719
<v Speaker 2>non major banks have automatic bill pay or just bill pay,

0:45:18.800 --> 0:45:20.920
<v Speaker 2>so you go in, they ask you all these questions.

0:45:20.920 --> 0:45:23.560
<v Speaker 2>And now, because bill pay is not a new thing,

0:45:23.640 --> 0:45:27.719
<v Speaker 2>they're linked to different companies. So if you have you know,

0:45:27.800 --> 0:45:29.600
<v Speaker 2>let's just say you have well Fargo or whatever, and

0:45:29.640 --> 0:45:32.719
<v Speaker 2>your credit card is chased, they talk to each other

0:45:33.000 --> 0:45:37.279
<v Speaker 2>and so well Fargo will actually know what your balance is,

0:45:37.400 --> 0:45:39.759
<v Speaker 2>and so you can actually choose from the bill pay

0:45:39.880 --> 0:45:42.879
<v Speaker 2>side how much you want to pay. So you might say,

0:45:42.920 --> 0:45:44.600
<v Speaker 2>you know what, I don't want to pay the minimum

0:45:44.640 --> 0:45:46.360
<v Speaker 2>of twenty, but I don't want to pay the full

0:45:46.400 --> 0:45:49.840
<v Speaker 2>amount of one ninety seven. Instead, I want to pay

0:45:50.239 --> 0:45:53.759
<v Speaker 2>seventy five dollars. Then if it's not giving you that

0:45:53.840 --> 0:45:55.680
<v Speaker 2>choice on the credit card side, you can make that

0:45:55.760 --> 0:45:58.239
<v Speaker 2>choice on the bill pay side from your bank. So

0:45:58.280 --> 0:46:02.680
<v Speaker 2>typically I pay my credit card bill on my personal

0:46:02.760 --> 0:46:05.239
<v Speaker 2>bank side, so I can decide how much I want

0:46:05.280 --> 0:46:07.720
<v Speaker 2>to send versus kind of like being stuck to only

0:46:07.760 --> 0:46:10.560
<v Speaker 2>pay whatever choices that the credit card company is giving me.

0:46:11.040 --> 0:46:13.520
<v Speaker 1>I didn't know that any credit I didn't know there

0:46:13.600 --> 0:46:15.440
<v Speaker 1>is some credit cards didn't allow you to put your

0:46:15.480 --> 0:46:21.040
<v Speaker 1>own Yeah, rather different amount. Interesting, Okay, yeah, definitely, that's

0:46:21.080 --> 0:46:22.360
<v Speaker 1>a good way to get around that. I didn't know

0:46:22.400 --> 0:46:25.479
<v Speaker 1>that was a thing. So her next question is should

0:46:25.520 --> 0:46:28.680
<v Speaker 1>I pay the amount on or before the payment due date?

0:46:29.200 --> 0:46:31.279
<v Speaker 1>And how does the timing and amount paid affect my

0:46:31.280 --> 0:46:33.600
<v Speaker 1>credit card utilization and or a credit score.

0:46:35.120 --> 0:46:37.680
<v Speaker 2>I think the rule of thumb, it's not so much

0:46:37.719 --> 0:46:41.080
<v Speaker 2>the due date, it's more so of the statement date,

0:46:41.160 --> 0:46:46.760
<v Speaker 2>meaning like when the bill is issued. Pay. So for example,

0:46:46.760 --> 0:46:48.120
<v Speaker 2>I used to do this and it was a mistake.

0:46:48.760 --> 0:46:50.839
<v Speaker 2>I wanted to show, hey, look I'm making payments, so

0:46:50.920 --> 0:46:53.600
<v Speaker 2>I would buy something and then literally go online and

0:46:53.600 --> 0:46:55.759
<v Speaker 2>make the payment right then and there. That was not

0:46:55.880 --> 0:46:59.040
<v Speaker 2>going to register with the credit bureaus. That I had

0:46:59.080 --> 0:47:01.759
<v Speaker 2>to learn they had to wait. If I want, if

0:47:01.760 --> 0:47:05.040
<v Speaker 2>the purpose for me was to register like my movements,

0:47:05.080 --> 0:47:07.440
<v Speaker 2>my credit movements with the credit bureaus, I had to

0:47:07.480 --> 0:47:11.799
<v Speaker 2>wait until I was actually issued the bill, you know, like, oh,

0:47:11.840 --> 0:47:14.800
<v Speaker 2>here's your statement. It's due, and so it's not so

0:47:14.880 --> 0:47:17.320
<v Speaker 2>much to do date. So it's like, oh, bill's been sent,

0:47:17.719 --> 0:47:20.400
<v Speaker 2>now you can pay. And so that's how you know that,

0:47:20.560 --> 0:47:22.480
<v Speaker 2>like one, they're going to register this is what you

0:47:22.520 --> 0:47:24.840
<v Speaker 2>owed to. It's going to register, this is what you paid,

0:47:25.120 --> 0:47:26.720
<v Speaker 2>and so that's kind of like the rule of thumb

0:47:26.760 --> 0:47:29.680
<v Speaker 2>is wait until the bill is actually like either se

0:47:29.760 --> 0:47:33.399
<v Speaker 2>TVA mail or just online, like, hey, this is this

0:47:33.480 --> 0:47:36.239
<v Speaker 2>is the due date for statement balance a statement.

0:47:37.120 --> 0:47:39.640
<v Speaker 1>Yeah, my concern is that So right now her statement

0:47:39.719 --> 0:47:42.120
<v Speaker 1>balance is two hundred and ninety seven dollars on a

0:47:42.200 --> 0:47:44.560
<v Speaker 1>three hundred dollars limit. So right now, if you don't

0:47:44.560 --> 0:47:46.600
<v Speaker 1>have any other credit cards, she doesn't specify, But if

0:47:46.600 --> 0:47:48.799
<v Speaker 1>this is your only credit card, you're at one hundred

0:47:48.840 --> 0:47:51.560
<v Speaker 1>percent almost of utilization, and that will hurt your score.

0:47:52.000 --> 0:47:54.879
<v Speaker 1>Ideally you want to be below thirty percent. One way

0:47:54.920 --> 0:47:57.239
<v Speaker 1>to do that so you only have you very you

0:47:57.239 --> 0:48:00.160
<v Speaker 1>have a very small limit, and you may max it

0:48:00.160 --> 0:48:02.640
<v Speaker 1>out a lot. But the trick is to make payments

0:48:02.680 --> 0:48:06.239
<v Speaker 1>before your statements do to eat away that balance to

0:48:06.400 --> 0:48:08.759
<v Speaker 1>keep it at thirty percent of three hundred would be

0:48:08.800 --> 0:48:12.000
<v Speaker 1>what ninety bucks. So if you charge one hundred and

0:48:12.000 --> 0:48:14.279
<v Speaker 1>fifty dollars on the card, go ahead and pay off

0:48:14.320 --> 0:48:19.200
<v Speaker 1>fifty dollars or sixty dollars today and leave the ninety

0:48:19.239 --> 0:48:22.239
<v Speaker 1>dollars on there. Let that, let that be added to

0:48:22.280 --> 0:48:25.279
<v Speaker 1>your statement balance, and then pay that bill off. That's

0:48:25.280 --> 0:48:27.520
<v Speaker 1>one way to keep your to be able to spend

0:48:27.560 --> 0:48:31.640
<v Speaker 1>more than over spend above that thirty percent utilization rate limit,

0:48:32.040 --> 0:48:34.759
<v Speaker 1>but not actually have it hurt your score. Does that

0:48:34.760 --> 0:48:35.360
<v Speaker 1>make sense?

0:48:35.760 --> 0:48:37.040
<v Speaker 2>It does, and that's good advice.

0:48:37.280 --> 0:48:38.920
<v Speaker 1>I would do that before because when I got my

0:48:38.960 --> 0:48:40.759
<v Speaker 1>first credit card, this might be like a student credit

0:48:40.800 --> 0:48:43.080
<v Speaker 1>card or something. When I got my first Bank of

0:48:43.120 --> 0:48:45.799
<v Speaker 1>America student card, it was like three hundred bucks, and

0:48:46.000 --> 0:48:49.080
<v Speaker 1>I would later I would maximine out all the time.

0:48:49.120 --> 0:48:50.719
<v Speaker 1>Of course I didn't know any better, but later I

0:48:50.800 --> 0:48:53.600
<v Speaker 1>learned that trick where you make small payments throughout the

0:48:53.640 --> 0:48:56.400
<v Speaker 1>month and keep your keep it below thirty percent of

0:48:56.440 --> 0:48:59.480
<v Speaker 1>your balance, and then let that balance be reflecting on

0:48:59.560 --> 0:49:03.040
<v Speaker 1>your statement m hm. And then that'll reflect that'll get

0:49:03.040 --> 0:49:05.759
<v Speaker 1>reported to the bureaus and they'll see, okay, oh you know,

0:49:05.880 --> 0:49:08.560
<v Speaker 1>Kai's only got a thirty percent utilization rate. That's great,

0:49:09.040 --> 0:49:10.200
<v Speaker 1>and we won't ding her for that.

0:49:11.000 --> 0:49:15.640
<v Speaker 2>Exactly. It's really all about reporting, like figuring out when

0:49:15.920 --> 0:49:19.239
<v Speaker 2>are my financial credit choices reported. Once you kind of

0:49:19.239 --> 0:49:21.839
<v Speaker 2>figure throughout that, then it makes it easier to make

0:49:21.880 --> 0:49:23.600
<v Speaker 2>decisions that are going to be in alignment with getting

0:49:23.600 --> 0:49:24.160
<v Speaker 2>a better score.

0:49:24.560 --> 0:49:26.640
<v Speaker 1>Yeah, it feels like bending over backwards to get around

0:49:26.680 --> 0:49:30.360
<v Speaker 1>these weird credit reporting rules, but I know it is crazy.

0:49:30.400 --> 0:49:32.240
<v Speaker 1>It's crazy, but yeah, So if you have two ninety

0:49:32.239 --> 0:49:34.360
<v Speaker 1>seven for this month just paid off in full, I

0:49:34.360 --> 0:49:37.080
<v Speaker 1>hope you can pay off your statement balance and full

0:49:37.120 --> 0:49:40.320
<v Speaker 1>hope you can, and then next month pay off whatever

0:49:40.360 --> 0:49:41.719
<v Speaker 1>you need to pay off to keep it a look,

0:49:41.800 --> 0:49:45.440
<v Speaker 1>keep it at least no greater than ninety dollars on

0:49:45.480 --> 0:49:49.600
<v Speaker 1>your next statement, and you should be in good shape. Okay,

0:49:51.040 --> 0:49:53.000
<v Speaker 1>So that was from Kai. Thanks Kai, And the next

0:49:53.040 --> 0:49:57.880
<v Speaker 1>question is from listener v V sizes. Hey V says,

0:49:57.880 --> 0:49:59.919
<v Speaker 1>I'm a part time graduate student and I only work

0:50:00.040 --> 0:50:02.680
<v Speaker 1>part time job. I make enough money to pay my

0:50:02.719 --> 0:50:06.240
<v Speaker 1>expenses and have three hundred dollars left over after every

0:50:07.560 --> 0:50:11.319
<v Speaker 1>leftover every month after I pay my monthly living expenses

0:50:11.640 --> 0:50:14.720
<v Speaker 1>according to my budget, I've managed to save one thousand

0:50:14.800 --> 0:50:17.480
<v Speaker 1>dollars and a separate savings account, and I don't know

0:50:17.520 --> 0:50:19.920
<v Speaker 1>what my next savings goal should be. What should I

0:50:19.920 --> 0:50:21.680
<v Speaker 1>do with the extra three hundred dollars a month that

0:50:21.680 --> 0:50:23.800
<v Speaker 1>I have. I don't want to waste it on food,

0:50:23.960 --> 0:50:30.400
<v Speaker 1>Jordan's and hair weave. Ye maybe those are the options. Food, Jordan's,

0:50:30.520 --> 0:50:32.600
<v Speaker 1>hair weief. Can you please help me plan my next

0:50:33.120 --> 0:50:34.160
<v Speaker 1>new savings goal.

0:50:34.440 --> 0:50:38.080
<v Speaker 2>The so my assumption is that the does she say

0:50:38.160 --> 0:50:41.960
<v Speaker 2>that she's that she has a retirement plan in place?

0:50:42.040 --> 0:50:44.560
<v Speaker 1>She does not. She's part time graduate student. She's got

0:50:44.560 --> 0:50:46.360
<v Speaker 1>a thousand bucks in savings. This is what we know.

0:50:47.480 --> 0:50:50.200
<v Speaker 2>Okay, so if you don't have retirement plan in place,

0:50:50.800 --> 0:50:52.919
<v Speaker 2>now you do, girl, I would put that money toward

0:50:53.000 --> 0:50:55.480
<v Speaker 2>that because that comes first.

0:50:56.360 --> 0:50:59.880
<v Speaker 1>Tiffany happy be a part time graduate student save for retirement.

0:51:00.360 --> 0:51:02.160
<v Speaker 1>If it's only working a part time job and I'm

0:51:02.200 --> 0:51:03.600
<v Speaker 1>guessing doesn't have a four to one k.

0:51:04.560 --> 0:51:06.359
<v Speaker 2>Well, if you don't have a traditional four and one

0:51:06.400 --> 0:51:08.640
<v Speaker 2>k because you're part time, you can go to your

0:51:08.719 --> 0:51:11.719
<v Speaker 2>local bank and say, hey, bo, I would like to

0:51:12.160 --> 0:51:14.760
<v Speaker 2>sign up for an eye on an IRA, an individual

0:51:14.800 --> 0:51:16.640
<v Speaker 2>retirement account or a rock eye. Well it would be

0:51:16.680 --> 0:51:19.480
<v Speaker 2>a ROTH, right because ROTH is after taxes, right.

0:51:19.440 --> 0:51:22.480
<v Speaker 1>Either or yeah, yeah, you would want to it would

0:51:22.520 --> 0:51:23.840
<v Speaker 1>be yeah, it could be it'd be an IRA.

0:51:24.080 --> 0:51:27.520
<v Speaker 2>Yeah, so which is called an individual retirement account? Right,

0:51:27.560 --> 0:51:29.319
<v Speaker 2>so you would sign up for an IRA. You can

0:51:29.360 --> 0:51:31.240
<v Speaker 2>actually do it online like I know, like for example,

0:51:31.680 --> 0:51:34.720
<v Speaker 2>Ally has IRA's. But you know, if you're not fully

0:51:34.719 --> 0:51:36.440
<v Speaker 2>comfortable during that, if you're a millennial, you're like, we

0:51:36.520 --> 0:51:38.799
<v Speaker 2>will do it online. If you're not, if you're an

0:51:38.920 --> 0:51:41.640
<v Speaker 2>ex you know, millennial or whatever they call us down,

0:51:42.000 --> 0:51:43.799
<v Speaker 2>then you're probably gonna want to go into your bank

0:51:43.840 --> 0:51:47.279
<v Speaker 2>and just say, hey, i'd like to contribute. Start to

0:51:47.280 --> 0:51:51.480
<v Speaker 2>contribute regularly to a retirement account. That is paramount, especially

0:51:51.480 --> 0:51:54.480
<v Speaker 2>if you are a grad student. If you start now,

0:51:54.480 --> 0:51:56.160
<v Speaker 2>you're going to be in such great shape when you

0:51:56.200 --> 0:51:57.919
<v Speaker 2>get a little bit older. So that's what I would

0:51:57.920 --> 0:51:59.600
<v Speaker 2>do with the extra money, is start to really think

0:51:59.600 --> 0:52:02.719
<v Speaker 2>about my future, you know, beyond like where you are

0:52:02.800 --> 0:52:05.400
<v Speaker 2>right now, and putting the money toward that and sitting

0:52:05.400 --> 0:52:08.480
<v Speaker 2>down with someone and if not, even if not sitting

0:52:08.520 --> 0:52:11.879
<v Speaker 2>down with someone, you know, you could pick now. They've

0:52:11.920 --> 0:52:13.680
<v Speaker 2>got all these great tools where you might say, like,

0:52:13.719 --> 0:52:17.000
<v Speaker 2>for example, I'm pretty sure that Ally has a tool

0:52:17.160 --> 0:52:20.640
<v Speaker 2>where it's a roth Ira and basically they ask you

0:52:20.640 --> 0:52:23.319
<v Speaker 2>all these questions about yourself personally, and they help you

0:52:23.880 --> 0:52:27.359
<v Speaker 2>to pick what your retirement money should do and where

0:52:27.400 --> 0:52:29.040
<v Speaker 2>it should go. So you could do that and just

0:52:29.120 --> 0:52:31.279
<v Speaker 2>have it automatically transferred there every month. But I would

0:52:31.320 --> 0:52:33.440
<v Speaker 2>definitely focus on retirement if you're not already, and I

0:52:33.440 --> 0:52:35.520
<v Speaker 2>suspect if you're young you likely are not.

0:52:36.520 --> 0:52:38.239
<v Speaker 1>And that's science. I mean, while you're in grad school,

0:52:38.320 --> 0:52:40.319
<v Speaker 1>maybe your student loans aren't doe yet, and you can

0:52:40.320 --> 0:52:42.640
<v Speaker 1>put that money to work for retirement, and then when

0:52:42.640 --> 0:52:44.960
<v Speaker 1>you're ready to pay your student loans back, you know

0:52:45.040 --> 0:52:47.680
<v Speaker 1>that you have no problem coming up with three hundred

0:52:47.680 --> 0:52:50.520
<v Speaker 1>dollars to put toward those student loans and maybe diverting

0:52:50.600 --> 0:52:53.120
<v Speaker 1>that money to student loans until they're paid off, right,

0:52:53.160 --> 0:52:54.680
<v Speaker 1>because that's going to be the issue. I think when

0:52:54.680 --> 0:52:56.520
<v Speaker 1>she graduates, it's going to be like, well, what do

0:52:56.560 --> 0:53:00.480
<v Speaker 1>I do now? Retirement or student loans? And I say,

0:53:02.440 --> 0:53:05.399
<v Speaker 1>that's a tricky question. It depends on like how much

0:53:05.480 --> 0:53:07.520
<v Speaker 1>I know I'm giving her additional question she didn't ask,

0:53:07.600 --> 0:53:12.480
<v Speaker 1>but I'm looking into your future and I'm saying that

0:53:12.600 --> 0:53:14.560
<v Speaker 1>it may make more sense to be putting as much

0:53:14.600 --> 0:53:17.120
<v Speaker 1>money as you can toward that debt, depending on what

0:53:17.160 --> 0:53:19.800
<v Speaker 1>your interest rates are, or like doing half, like putting

0:53:19.840 --> 0:53:22.080
<v Speaker 1>half towards your student loan bill and then continuing to

0:53:22.120 --> 0:53:23.560
<v Speaker 1>put half toward your retirement.

0:53:24.480 --> 0:53:25.160
<v Speaker 2>That's a good idea.

0:53:25.800 --> 0:53:28.000
<v Speaker 1>Do you think I mean, she doesn't tell us you

0:53:28.040 --> 0:53:30.440
<v Speaker 1>know where she lives or how much her life costs,

0:53:30.440 --> 0:53:32.400
<v Speaker 1>But do you think a thousand bucks is enough to

0:53:32.480 --> 0:53:34.440
<v Speaker 1>have a savings account and be like, and I'm done

0:53:34.520 --> 0:53:37.600
<v Speaker 1>and I'm good for life because it seems low to me.

0:53:38.719 --> 0:53:40.880
<v Speaker 2>Yeah, you're right, I mean, And so the thing is

0:53:40.920 --> 0:53:43.160
<v Speaker 2>too maybe let's a lot, And I think that I

0:53:43.320 --> 0:53:46.280
<v Speaker 2>like your idea, not thinking of the three hundred dollars

0:53:46.320 --> 0:53:49.520
<v Speaker 2>as this lump sum that cannot be separated. So you

0:53:49.600 --> 0:53:51.719
<v Speaker 2>might say to yourself, Okay, of this three hundred, I'm

0:53:51.719 --> 0:53:54.439
<v Speaker 2>gonna put one hundred toward retirement, one hundred towards this day,

0:53:55.160 --> 0:53:58.200
<v Speaker 2>and one hundred toward growing that savings account. You know

0:53:58.239 --> 0:54:01.600
<v Speaker 2>what I mean. So I think that ask yourself your

0:54:01.640 --> 0:54:04.560
<v Speaker 2>overall financial goals and how you can Obviously you're not

0:54:04.560 --> 0:54:06.720
<v Speaker 2>going to separate the three hundred to three hundred pots,

0:54:06.800 --> 0:54:09.440
<v Speaker 2>but there you might have that three hundred going to

0:54:09.880 --> 0:54:11.840
<v Speaker 2>two or three or maybe even four different pots that

0:54:12.280 --> 0:54:15.960
<v Speaker 2>serve your greater goals, because a thousand does seem a

0:54:16.000 --> 0:54:17.640
<v Speaker 2>little low. But I mean, I don't know where you live,

0:54:17.719 --> 0:54:20.560
<v Speaker 2>but you know you're wanting to have. Ideally, they say

0:54:20.600 --> 0:54:23.040
<v Speaker 2>you want to have anywhere from like on the super

0:54:23.040 --> 0:54:26.000
<v Speaker 2>low end, three months worth of your life expenses, and

0:54:26.040 --> 0:54:28.279
<v Speaker 2>on the higher and up to twenty four months, two years,

0:54:28.280 --> 0:54:31.400
<v Speaker 2>depending on what type of life you live, so typically

0:54:31.440 --> 0:54:35.160
<v Speaker 2>around six months to a year of emergency money. So

0:54:35.400 --> 0:54:38.160
<v Speaker 2>you know, it's one thousand dollars like at least three months.

0:54:38.600 --> 0:54:42.560
<v Speaker 2>I don't know, it might be, but maybe contributing to

0:54:42.600 --> 0:54:43.880
<v Speaker 2>that so that way you have a little bit more

0:54:43.880 --> 0:54:45.239
<v Speaker 2>of a stash and you might be like, you know,

0:54:45.320 --> 0:54:46.600
<v Speaker 2>I don't need to do a whole bunch. Maybe it's

0:54:46.640 --> 0:54:49.399
<v Speaker 2>just fifty bucks of the three hundred. But I think

0:54:49.480 --> 0:54:53.120
<v Speaker 2>that those three things that Manny and I mentioned, retirement,

0:54:53.680 --> 0:54:57.000
<v Speaker 2>debt and savings, that that three hundred can address those

0:54:57.040 --> 0:54:59.440
<v Speaker 2>three things that three hundred.

0:54:59.480 --> 0:55:06.279
<v Speaker 1>Yeah, agreed, Hell cravyvy, thanks for your question. And if

0:55:06.280 --> 0:55:08.680
<v Speaker 1>you guys again, if you have questions Brand Ambition Podcast

0:55:08.719 --> 0:55:11.480
<v Speaker 1>at gmail dot com or brand Ambition podcast dot com.

0:55:12.640 --> 0:55:16.840
<v Speaker 1>You got it get too fast.

0:55:17.800 --> 0:55:20.759
<v Speaker 2>I try to flip it in there. Oh yeah, go

0:55:20.800 --> 0:55:25.320
<v Speaker 2>to podcast dot com right and click no click to

0:55:25.320 --> 0:55:27.239
<v Speaker 2>ask us anything? Is that what it's what it says? Right?

0:55:28.120 --> 0:55:29.279
<v Speaker 1>Ask us anything? Yep.

0:55:38.080 --> 0:55:42.959
<v Speaker 2>So all I do is win, win, win, no matter

0:55:43.040 --> 0:55:45.840
<v Speaker 2>what what you gotta win for. So do you have

0:55:45.840 --> 0:55:46.520
<v Speaker 2>any wins?

0:55:46.760 --> 0:55:48.279
<v Speaker 1>I'm gonna make you go first this time.

0:55:50.320 --> 0:55:53.400
<v Speaker 2>I have when that is slightly uncomfortable, but not uncomfortable.

0:55:53.440 --> 0:55:59.279
<v Speaker 2>So so ben Kind happened, No, definitely nothing more comfortable. Oh,

0:55:59.320 --> 0:56:00.960
<v Speaker 2>I will say that I think I lost my full

0:56:00.960 --> 0:56:03.160
<v Speaker 2>twenty pounds. I'm good now. I'm not like the weight

0:56:03.239 --> 0:56:04.680
<v Speaker 2>that I want to be. I'm like, ooh, I'm here,

0:56:04.760 --> 0:56:08.440
<v Speaker 2>but the vegan isn't. I'm actually not gonna give it up.

0:56:08.440 --> 0:56:11.279
<v Speaker 2>I think I'm gonna stay because I'm like, hmmm, from

0:56:11.280 --> 0:56:14.440
<v Speaker 2>what I've heard, the hormones and the meat are not

0:56:14.520 --> 0:56:16.520
<v Speaker 2>five boards friends, so they're like people have been telling me,

0:56:16.520 --> 0:56:17.880
<v Speaker 2>and my doctor can tell me it's actually good that

0:56:17.920 --> 0:56:21.440
<v Speaker 2>I'm vegan. So anyway, my win, I didn't attend fen

0:56:21.520 --> 0:56:23.280
<v Speaker 2>Kind and you didn't go this year either, right, Mandy,

0:56:23.360 --> 0:56:25.960
<v Speaker 2>I did not, and so I heard it was awesome.

0:56:26.000 --> 0:56:29.560
<v Speaker 2>So I was nominated for Plutus Award. And Plutus is

0:56:29.600 --> 0:56:32.960
<v Speaker 2>like the Emmys for financial like bloggers and writers and

0:56:32.960 --> 0:56:35.719
<v Speaker 2>stuff like that, and so honestly, I was nominated for

0:56:35.760 --> 0:56:37.480
<v Speaker 2>award that I didn't think I should have been nominated for,

0:56:37.680 --> 0:56:39.520
<v Speaker 2>like one award. I was like, ooh, that's totally me,

0:56:39.600 --> 0:56:43.000
<v Speaker 2>which was online community, which y'all dream catchers know, we

0:56:43.040 --> 0:56:44.680
<v Speaker 2>got that on lock. I didn't win that one, but

0:56:44.680 --> 0:56:47.840
<v Speaker 2>that's okay because who did win was very deserving. But

0:56:47.920 --> 0:56:51.600
<v Speaker 2>I was also nominated for best Blog for Women, and

0:56:51.640 --> 0:56:52.640
<v Speaker 2>I'm not gonna lie.

0:56:52.880 --> 0:56:53.600
<v Speaker 3>I don't blog.

0:56:53.640 --> 0:56:55.640
<v Speaker 2>That mean I have a blog, but I was like.

0:56:55.560 --> 0:56:59.759
<v Speaker 1>You best blog what? Maybe blog exactly?

0:57:00.040 --> 0:57:01.719
<v Speaker 2>And I'm not gonna lie. I feel some kind of

0:57:01.719 --> 0:57:03.920
<v Speaker 2>way of like, why did you guys give you this award?

0:57:03.960 --> 0:57:07.439
<v Speaker 1>Like now, what are they doing? What?

0:57:07.640 --> 0:57:10.400
<v Speaker 2>Because I like, honestly, I can honestly say and this

0:57:10.560 --> 0:57:12.840
<v Speaker 2>is not even the humility of like, oh no, because honestly,

0:57:12.880 --> 0:57:14.399
<v Speaker 2>I wanted to win a community work because I feel

0:57:14.400 --> 0:57:16.480
<v Speaker 2>like I have a dope on my community. I felt

0:57:16.520 --> 0:57:20.040
<v Speaker 2>like I was dropped but whatever, So this is not

0:57:20.160 --> 0:57:22.560
<v Speaker 2>false humility at all. But I'm like, when the people

0:57:22.560 --> 0:57:24.360
<v Speaker 2>are timty one, I was like, yeah, the community of

0:57:24.360 --> 0:57:27.000
<v Speaker 2>what they're like, no, best financial block for Women, I'm like,

0:57:27.680 --> 0:57:29.840
<v Speaker 2>what categories? I didn't even know I was in that category?

0:57:30.720 --> 0:57:33.160
<v Speaker 2>Why did I win that? So? I mean it's a win,

0:57:33.240 --> 0:57:36.080
<v Speaker 2>which is nice, but I'm not gonna lie. I feel

0:57:36.080 --> 0:57:39.400
<v Speaker 2>like there are so many amazing financial blocks for women

0:57:39.400 --> 0:57:44.280
<v Speaker 2>that are awesome blogs, and it feels like, honestly, it's

0:57:44.400 --> 0:57:47.920
<v Speaker 2>not an award that I can take with pride because

0:57:48.200 --> 0:57:50.400
<v Speaker 2>I blog. But like literally what I'm like, it's a

0:57:50.400 --> 0:57:53.400
<v Speaker 2>blue moon. I think I should write something. I'm I'm

0:57:53.480 --> 0:57:56.960
<v Speaker 2>you know, so it's yeah, but from what I understand,

0:57:57.120 --> 0:57:59.960
<v Speaker 2>because the true wind is that when you're a pollutics award,

0:58:00.320 --> 0:58:03.520
<v Speaker 2>you get great swag. And so apparently there's an Amazon

0:58:03.560 --> 0:58:05.160
<v Speaker 2>Echo dot on my way to the house, and I'm

0:58:05.400 --> 0:58:07.680
<v Speaker 2>on my way to my house, So that's the true wind.

0:58:07.720 --> 0:58:12.240
<v Speaker 2>Whoop whoop, free Amazon Echo that. So that's my win

0:58:12.320 --> 0:58:14.000
<v Speaker 2>that I got an award that I did not deserve,

0:58:14.560 --> 0:58:16.760
<v Speaker 2>but I did get some amazing sweag to go along

0:58:16.800 --> 0:58:17.120
<v Speaker 2>with you.

0:58:18.760 --> 0:58:21.439
<v Speaker 1>Not gonna You've had the Amazon dot the election, where

0:58:21.520 --> 0:58:24.560
<v Speaker 1>like since last Christians, I got inenrik one And it's

0:58:24.560 --> 0:58:27.400
<v Speaker 1>so pathetic. It's so pathetic, how like we have no

0:58:27.440 --> 0:58:28.960
<v Speaker 1>idea what to do with it. We're just like, tell

0:58:28.960 --> 0:58:30.680
<v Speaker 1>me the weather and tell me a joke.

0:58:33.000 --> 0:58:36.480
<v Speaker 2>Well, Superman is super like into tech stuff, so I'm

0:58:36.520 --> 0:58:38.760
<v Speaker 2>really curious to see how it's going to work in

0:58:38.760 --> 0:58:40.720
<v Speaker 2>our house because I don't know.

0:58:41.200 --> 0:58:43.440
<v Speaker 1>Oh yeah, I forgot husband got the iPhone ten.

0:58:45.800 --> 0:58:48.560
<v Speaker 2>It's his making that same error that I error, or

0:58:48.600 --> 0:58:49.160
<v Speaker 2>whatever it is.

0:58:49.440 --> 0:58:51.200
<v Speaker 1>I don't think so. But I have seen that. I've

0:58:51.200 --> 0:58:54.200
<v Speaker 1>been getting messages from some people anyone. I think it's

0:58:54.200 --> 0:58:55.880
<v Speaker 1>not just that it's not the new iPhones, it's like

0:58:55.880 --> 0:58:59.000
<v Speaker 1>the new iOS update okay, right, or I don't know.

0:58:59.120 --> 0:59:00.680
<v Speaker 1>I don't know about it, but I saw Yeah, I

0:59:00.720 --> 0:59:02.800
<v Speaker 1>got some weird texts from some people were like, if

0:59:02.800 --> 0:59:04.800
<v Speaker 1>you write the letter I, it turns into like an

0:59:04.800 --> 0:59:10.320
<v Speaker 1>A yeah, yeah, like a question mark box thingy. Yeah,

0:59:10.440 --> 0:59:13.640
<v Speaker 1>I will say I want to give a boost to Sorry,

0:59:18.480 --> 0:59:20.920
<v Speaker 1>this is gonna be no, my win is gonna be

0:59:21.000 --> 0:59:24.640
<v Speaker 1>for employees who raise their hand and ask for a

0:59:24.680 --> 0:59:28.400
<v Speaker 1>one on one UH one on one feedback session with

0:59:28.480 --> 0:59:32.440
<v Speaker 1>their managers. Because one of my UH direct reports recently

0:59:32.600 --> 0:59:35.360
<v Speaker 1>did that to me, and I thought, I was like,

0:59:35.440 --> 0:59:37.520
<v Speaker 1>they tell you to, they tell you to do this,

0:59:37.600 --> 0:59:39.680
<v Speaker 1>but I don't feel like people really ever do it.

0:59:40.080 --> 0:59:42.280
<v Speaker 1>And I thought that it was really really smart of

0:59:42.320 --> 0:59:44.600
<v Speaker 1>her to do that because I've been so overwhelm lately.

0:59:44.600 --> 0:59:46.720
<v Speaker 1>I really haven't had time to sit down and do

0:59:46.800 --> 0:59:49.680
<v Speaker 1>the one on one feedback session with people. And if

0:59:49.720 --> 0:59:53.320
<v Speaker 1>she had waited and gotten bitter about not ever getting

0:59:53.360 --> 0:59:56.920
<v Speaker 1>feedback and not ever hearing how she's doing that, it

0:59:57.000 --> 0:59:58.960
<v Speaker 1>just would have made her it just it would have

0:59:59.000 --> 1:00:01.560
<v Speaker 1>made her feel bad and would have made her like

1:00:01.600 --> 1:00:04.440
<v Speaker 1>feel bitter about working here possibly, But the fact that

1:00:04.480 --> 1:00:07.720
<v Speaker 1>she like raised her hands and even asked for a review,

1:00:07.720 --> 1:00:09.360
<v Speaker 1>I thought was really great. And that's something that I

1:00:09.440 --> 1:00:13.960
<v Speaker 1>used to do, uh with sometimes success, sometimes not success

1:00:14.360 --> 1:00:16.080
<v Speaker 1>at my prior jobs. And I just think that's a

1:00:16.080 --> 1:00:18.640
<v Speaker 1>great tip for anyone who is like, it's the end

1:00:18.640 --> 1:00:21.280
<v Speaker 1>of the year, you're feeling like, you know, you may

1:00:21.280 --> 1:00:23.200
<v Speaker 1>be up for a raise or you want that promotion,

1:00:23.440 --> 1:00:26.480
<v Speaker 1>but like your boss hasn't swept into the office and

1:00:26.760 --> 1:00:28.640
<v Speaker 1>rolled out the red carpet and invited you for a

1:00:28.720 --> 1:00:31.360
<v Speaker 1>sit down chat. Like, it's completely within your power to

1:00:31.960 --> 1:00:34.479
<v Speaker 1>ask your boss to have a chat of your own

1:00:34.760 --> 1:00:36.680
<v Speaker 1>and to take that time to tell them what you

1:00:36.720 --> 1:00:40.440
<v Speaker 1>want and like what you're what you're feeling like you

1:00:40.600 --> 1:00:42.840
<v Speaker 1>deserve and what you want more from the job and

1:00:42.880 --> 1:00:45.360
<v Speaker 1>all that, and this is the time to do it.

1:00:46.000 --> 1:00:47.280
<v Speaker 2>Oh that's awesome.

1:00:47.360 --> 1:00:48.400
<v Speaker 3>Look at her. Is she young?

1:00:49.360 --> 1:00:52.760
<v Speaker 1>She's yeah, she's uh, mid well on her age. I

1:00:52.760 --> 1:00:57.080
<v Speaker 1>don't know her age, mid twenties, semi semi not super rookie,

1:00:57.120 --> 1:00:59.440
<v Speaker 1>but I don't know. And I and like, while I'm

1:00:59.440 --> 1:01:02.160
<v Speaker 1>talking about the office, so you know, we've we've really expanded.

1:01:02.200 --> 1:01:04.280
<v Speaker 1>Like a year ago when I joined Magnified Money and

1:01:04.360 --> 1:01:07.760
<v Speaker 1>it was like what three people, two people, and now

1:01:07.800 --> 1:01:10.360
<v Speaker 1>there's like a full office and I've never I've never

1:01:10.400 --> 1:01:14.080
<v Speaker 1>been this this, you know, this close to the beginning

1:01:14.080 --> 1:01:16.400
<v Speaker 1>of something, to see it grow, this list quickly and

1:01:16.680 --> 1:01:19.560
<v Speaker 1>well not quickly, but to see it grow, and it's

1:01:19.600 --> 1:01:22.040
<v Speaker 1>just been really it's been really awesome to have new

1:01:22.040 --> 1:01:25.160
<v Speaker 1>people coming on board, and our office is really diverse.

1:01:25.240 --> 1:01:28.800
<v Speaker 1>It's literally like half women, half men, and there's people

1:01:28.800 --> 1:01:32.840
<v Speaker 1>from different countries and different backgrounds and different ages, and

1:01:33.440 --> 1:01:36.440
<v Speaker 1>it's just it's exactly the kind of place that I

1:01:36.640 --> 1:01:38.680
<v Speaker 1>like to like, this type of people I like to

1:01:38.680 --> 1:01:41.680
<v Speaker 1>be around, and I'm just really I'm really happy with

1:01:41.880 --> 1:01:42.560
<v Speaker 1>where we're going.

1:01:43.520 --> 1:01:46.440
<v Speaker 2>Oh look a Magnified Baby, Magnified Money. I remember, I

1:01:46.480 --> 1:01:48.640
<v Speaker 2>think I met Nick on the on the night like

1:01:48.680 --> 1:01:50.800
<v Speaker 2>you and I were at like a panel. I think

1:01:50.800 --> 1:01:52.840
<v Speaker 2>it was an American Express or whatever, and that night

1:01:52.960 --> 1:01:55.280
<v Speaker 2>at that panel is when I met Nick. Did you

1:01:55.320 --> 1:01:56.080
<v Speaker 2>meet him that day.

1:01:55.960 --> 1:01:58.680
<v Speaker 1>Too, I don't remember, ben Con Yeah, I think maybe

1:01:58.680 --> 1:02:00.000
<v Speaker 1>in person for the first time.

1:02:00.000 --> 1:02:02.120
<v Speaker 2>No, no, not Finkinn. Remember you came to Newark like

1:02:02.160 --> 1:02:03.800
<v Speaker 2>for this American Express panel.

1:02:04.280 --> 1:02:09.080
<v Speaker 1>Oh whoa, yeah, yes he was there. He was there.

1:02:09.320 --> 1:02:12.000
<v Speaker 2>Remember he was there in the crowd and he asked

1:02:12.040 --> 1:02:14.520
<v Speaker 2>a really great question or something like that, and I

1:02:14.560 --> 1:02:16.240
<v Speaker 2>remember like I connected with him there. I was like

1:02:16.280 --> 1:02:18.840
<v Speaker 2>I like him. I remember thinking he was so different

1:02:18.840 --> 1:02:22.200
<v Speaker 2>from any of the personal finance people. Well, I mean

1:02:22.240 --> 1:02:24.880
<v Speaker 2>to be all the way transparent, like from any of

1:02:24.960 --> 1:02:26.800
<v Speaker 2>like the white guys in personal finance, because like the

1:02:26.800 --> 1:02:30.560
<v Speaker 2>brown people are were typically community focused. But like, I

1:02:30.560 --> 1:02:33.320
<v Speaker 2>didn't really meet white guys who were in personal finance

1:02:33.320 --> 1:02:35.120
<v Speaker 2>that were like, I'm here for the people. So it

1:02:35.280 --> 1:02:37.560
<v Speaker 2>struck me. I remember being like, what, you're here for

1:02:37.600 --> 1:02:41.520
<v Speaker 2>the people? Who are you, sir? And then like really,

1:02:41.720 --> 1:02:44.280
<v Speaker 2>you know, like exploring magnifying money and being like this

1:02:44.400 --> 1:02:47.280
<v Speaker 2>is amazing and he has never disappointed me aside from

1:02:47.280 --> 1:02:49.240
<v Speaker 2>the back of you know, y'all still only money but

1:02:49.280 --> 1:02:51.880
<v Speaker 2>whatever needs to hear about that. But yeah, well other

1:02:51.920 --> 1:02:55.240
<v Speaker 2>than that, like, yeah, Nick is amazing the company that

1:02:55.280 --> 1:02:58.200
<v Speaker 2>he's built with this amazing team. You guys are all like,

1:02:58.440 --> 1:03:02.400
<v Speaker 2>I really love magnified money. It is probably like when

1:03:02.440 --> 1:03:06.000
<v Speaker 2>I look at my my U underutilized blog and I

1:03:06.040 --> 1:03:10.240
<v Speaker 2>look at my my what are those things called analytics.

1:03:10.560 --> 1:03:13.560
<v Speaker 2>Magnify Money is the number one site that people leave

1:03:13.600 --> 1:03:16.760
<v Speaker 2>my my blog for because that's how much I got. Yeah, Like,

1:03:16.800 --> 1:03:18.680
<v Speaker 2>I was just like because it's just such an awesome

1:03:18.760 --> 1:03:22.200
<v Speaker 2>resource and tool, and people thank me all the time, like,

1:03:22.240 --> 1:03:24.560
<v Speaker 2>thank you so much for magnified money. It's easy to navigate,

1:03:25.000 --> 1:03:27.880
<v Speaker 2>it's trustworthy, and you know, I don't know, you guys

1:03:27.880 --> 1:03:28.520
<v Speaker 2>are just awesome.

1:03:29.400 --> 1:03:30.920
<v Speaker 1>Well, thanks, we try.

1:03:32.040 --> 1:03:33.520
<v Speaker 2>You're welcome. Oh.

1:03:33.600 --> 1:03:35.760
<v Speaker 1>I just got a big fat check from Ebates. Speaking

1:03:35.800 --> 1:03:39.200
<v Speaker 1>of which, before I before we say goodbye, my mother

1:03:39.320 --> 1:03:41.680
<v Speaker 1>was like, what did tip you start doing Ebaates commercials?

1:03:41.920 --> 1:03:44.680
<v Speaker 1>She finally sought one of your eBay dogs.

1:03:45.880 --> 1:03:47.959
<v Speaker 2>I love your mom. When your mom and sister were dancing,

1:03:48.000 --> 1:03:48.960
<v Speaker 2>I was like, oh, I want to get it in.

1:03:49.000 --> 1:03:50.280
<v Speaker 2>I want to dance at your wedding.

1:03:52.360 --> 1:03:52.960
<v Speaker 1>I'm glad.

1:03:54.600 --> 1:03:59.080
<v Speaker 2>Yeah. So yeah, that commercial is doing really well. I'm

1:03:59.080 --> 1:04:00.480
<v Speaker 2>not gonna lie. I kind of be some kind of

1:04:00.480 --> 1:04:01.760
<v Speaker 2>way that I didn't ask for money because I was

1:04:01.800 --> 1:04:03.440
<v Speaker 2>just so excited to be in a commercial and I

1:04:03.520 --> 1:04:05.480
<v Speaker 2>kind of asked for an OLF handedly. I was like,

1:04:05.560 --> 1:04:07.160
<v Speaker 2>if y'all ever do a commercial, I'd love to be

1:04:07.200 --> 1:04:08.920
<v Speaker 2>in it. When I was talking with my partner there

1:04:08.920 --> 1:04:11.120
<v Speaker 2>are Ebates and when they were like, we'll fly you out,

1:04:11.240 --> 1:04:13.240
<v Speaker 2>you know, but it's not likely that you'll be you'll

1:04:13.240 --> 1:04:14.680
<v Speaker 2>make it, but as far as like you've being a

1:04:14.680 --> 1:04:17.400
<v Speaker 2>great partner, it is kind of like our hey girl, hey,

1:04:17.440 --> 1:04:20.360
<v Speaker 2>thanks so much. So I was excited craft food and

1:04:20.560 --> 1:04:23.040
<v Speaker 2>I was able to bring Drina and they were like,

1:04:23.080 --> 1:04:24.800
<v Speaker 2>you know, it's likely not going to make it on air,

1:04:25.040 --> 1:04:26.680
<v Speaker 2>and I said, okay, if it is, it's going to

1:04:26.680 --> 1:04:29.320
<v Speaker 2>be a group commercial. And then I don't know, they

1:04:29.440 --> 1:04:32.040
<v Speaker 2>decided to do a fifteen second spot and now it's

1:04:32.040 --> 1:04:34.440
<v Speaker 2>like their number one converting commercial and I'm like, where's

1:04:34.440 --> 1:04:34.840
<v Speaker 2>my check?

1:04:35.920 --> 1:04:38.200
<v Speaker 1>You know you may thank off those affiliate links.

1:04:38.800 --> 1:04:42.760
<v Speaker 2>I know, yeah I do, but still I was like, wow,

1:04:43.720 --> 1:04:45.920
<v Speaker 2>I need to Yeah, so now I know better. So

1:04:45.960 --> 1:04:47.720
<v Speaker 2>now I'm like, ebaits you want my face back on

1:04:47.760 --> 1:04:49.920
<v Speaker 2>that commercial? You want to love commercial? Ebates, it's going

1:04:49.960 --> 1:04:53.080
<v Speaker 2>to cost no. Honestly, I love Ebaths. It's another it's

1:04:53.080 --> 1:04:55.240
<v Speaker 2>like a magnified money that it's one of the few

1:04:56.040 --> 1:05:00.720
<v Speaker 2>brands and businesses that it's a win win I've shared

1:05:00.800 --> 1:05:03.080
<v Speaker 2>and I've never had a moment's pause of like is

1:05:03.080 --> 1:05:05.600
<v Speaker 2>this a good business? EBAs is awesome. I mean you.

1:05:06.360 --> 1:05:10.120
<v Speaker 1>Lose, like they just wave you money for shopping, like, yeah,

1:05:10.240 --> 1:05:11.800
<v Speaker 1>I just made thirty bucks and I didn't do a

1:05:11.840 --> 1:05:13.280
<v Speaker 1>damn thing like exactly.

1:05:13.520 --> 1:05:15.720
<v Speaker 2>It's EBAs is Honestly, if you're not using ebays, I

1:05:15.720 --> 1:05:16.960
<v Speaker 2>don't know what you're doing, like it's this is not

1:05:17.000 --> 1:05:19.080
<v Speaker 2>they're not paying me to say, oh we should get

1:05:19.080 --> 1:05:19.680
<v Speaker 2>them to be a sponsor.

1:05:19.800 --> 1:05:22.680
<v Speaker 1>Let me reach out to but anyway, yeah, I ad

1:05:22.720 --> 1:05:24.960
<v Speaker 1>the I always add the extension to my browsers, so

1:05:25.000 --> 1:05:27.720
<v Speaker 1>it doesn't even matter where I am, it just pops up. Yeah,

1:05:27.800 --> 1:05:30.360
<v Speaker 1>let me let me withhold my my plug before they

1:05:30.360 --> 1:05:35.880
<v Speaker 1>start paying for advertising. Don't go, don't go click yet,

1:05:35.920 --> 1:05:36.520
<v Speaker 1>don't click at

1:05:38.880 --> 1:05:39.720
<v Speaker 2>Let's get us a link