Speaker 1: A a A good a mate. That's the terrible Australian accent. Neverline.
Speaker 2: You know what's so crazy. When I got there, I
Speaker 2: was like, so, where you guys accents and everybody was like, yeah, no,
Speaker 2: one really talks like that quite. It's definitely has like
Speaker 2: you know, you hear like a little undertone of that,
Speaker 2: but the typical Australian doesn't. For as far as what
Speaker 2: folks told me, their accent is not quite that thick
Speaker 2: and heavy. That's just extra exaggerated or there's certain I
Speaker 2: guess it's like more less cosmopolitan that accent.
Speaker 1: You know, yeah, that's really disappointing, though they don't all
Speaker 1: sound like Steve irwin.
Speaker 2: Ke's Crocodile Dundee. I was waiting put some striper on
Speaker 2: the bobby.
Speaker 1: They were like, no, don't embarrass myself.
Speaker 2: I know, I had an awesome time. I mean, so
Speaker 2: I went to Australia because I had awesome opportunity. Drina
Speaker 2: who is my awesome publicist but also my bff. Her client.
Speaker 2: His name is Patrice Colors and Patrice is one of
Speaker 2: the co founders. There's three women that founded Black Lives Matter.
Speaker 2: Woman named Operal, a woman named Malitia and Patrice and
Speaker 2: so the Sydney Peace Prize, which is super prestigious, I
Speaker 2: mean people, amazing people have won that Peace Prize. They
Speaker 2: decided to honor the Black Lives Matter Network and like
Speaker 2: that's what you know. So one of the founders was
Speaker 2: able to make it, and so she came to accept
Speaker 2: the Peace Prize on behalf of Black Lives Matter. So
Speaker 2: that was just really awesome to kind of see that
Speaker 2: and kind of see, you know, what that movement looks
Speaker 2: like from behind the scenes. And it was really really
Speaker 2: interesting to meet, you know, a co founder. I mean,
Speaker 2: well one Patresea is just so chilling, down to earth
Speaker 2: it's and fun, but actually see her doing the work.
Speaker 2: Like we'd go to her hotel and we'd be hanging out,
Speaker 2: but then a crisis would happen and you would see
Speaker 2: her and to like organizer mode, this is what we
Speaker 2: need to do, you know. So it was just really honestly,
Speaker 2: the work that she and the whole network are doing
Speaker 2: is nothing short of amazing on behalf of all brown people.
Speaker 2: So that's what yeh. Yeah, it was huge, Honestly, it was.
Speaker 2: It was such a pleasure because it was like I
Speaker 2: got to see like touristy Sydney. But then I also
Speaker 2: got to see this other side, like they want to
Speaker 2: go visit like different Aboriginal camps and like, you know, like, so,
Speaker 2: what's happening here with your brown people? How can we
Speaker 2: how can we you know, be of service to that?
Speaker 2: You know, what do you want us to share with
Speaker 2: our brown folks of what's happening here. I didn't realize
Speaker 2: that less than three percent of Australia's population is brown,
Speaker 2: And it wasn't untill like I didn't really notice as
Speaker 2: much because I grew up in like an all white town.
Speaker 2: But it wasn't until like Drina kept saying, She's like,
Speaker 2: we're like literally the only black people in the airport.
Speaker 2: I was like, no, yes, we are. That happened every
Speaker 2: single place we went, literally not one brown faith. I
Speaker 2: was actually pretty surprised, you know, because Sydney it's it's
Speaker 2: like clean New York, so it's pretty cosmopolitan, very little
Speaker 2: diversity by way of brownness. So there were definitely a
Speaker 2: lot of Asians, so there was a lot of Chinese thie,
Speaker 2: but as far as like Aboriginal or black folks or whatever,
Speaker 2: it was next to nothing.
Speaker 1: Well, the country did a really good job of like exterminating. Yeah,
Speaker 1: so yeah, yeah, we we know.
Speaker 2: Yeah, it was Yeah, that's what that was. That was
Speaker 2: a hard conversation to hear about over and over again,
Speaker 2: like because we would go to these different events where
Speaker 2: they were honoring her and then kind of like sharing
Speaker 2: their story of what's happen happening to them there, and
Speaker 2: it sounds honestly, it's the same treatment here that brown
Speaker 2: folks get, and you're just like, wow, what is that that?
Speaker 2: You know, what what is that that? I don't know,
Speaker 2: what is it that it causes folks to treat brown
Speaker 2: folks in a way, And here like the police brutality stories,
Speaker 2: dying in custody stories, a young driver killed three Aboriginal
Speaker 2: kids and they blamed the kids that were killed, like, oh,
Speaker 2: they shouldn't have been in a way. I mean it's yeah. Honestly,
Speaker 2: at the end, I told Patries, I don't even know how.
Speaker 2: It was too much. There were times when I was
Speaker 2: like I'm not going to go to that event because
Speaker 2: it was too much Emotionally. I don't know how she
Speaker 2: carries all of that with her. I don't know how, honestly,
Speaker 2: Like it's it's heartbreaking, it's soul breaking. And I told
Speaker 2: her that she and her team are uniquely qualified to
Speaker 2: do the work because I couldn't. I do the work,
Speaker 2: but not in that way. I could not take on
Speaker 2: all of that. It's too much.
Speaker 1: I think it takes a really special human, like the
Speaker 1: same the same types of humans who do social work
Speaker 1: or or any anywhere. We're just like inundated with these
Speaker 1: horrific situations. Were children and people who were like, uh,
Speaker 1: marginalized and don't have rights, and their human rights are
Speaker 1: being taken away from them like all the time. Those
Speaker 1: it takes a real special person. I'm glad for those
Speaker 1: types of people.
Speaker 2: Yeah, that part was cool.
Speaker 1: So about the kangaroos, yes, oh.
Speaker 2: My gosh, so I told myself because it was like
Speaker 2: because I what I tried to do was like because
Speaker 2: I did a lot of stuff. You know, Drina was
Speaker 2: off working with Patrice and her team, and so I
Speaker 2: had a lot of like alone time, which I totally
Speaker 2: did love because you know, I don't know, I love
Speaker 2: solo travel. And so I was like, ooh, so every
Speaker 2: day I try to choose like something really fun and
Speaker 2: different and epic to do, and so I had not
Speaker 2: Drina would not allow me to go to the zoo
Speaker 2: without her. She said, I everything else she could do
Speaker 2: without me, but if you go to that zoo and
Speaker 2: I'm not with you, and I see social media and
Speaker 2: I was like, start it. So it was literally the
Speaker 2: day before we're gonna leave, and it started to rain.
Speaker 2: I said, Drina, we're going to the freaking so she
Speaker 2: was like, oh, it's raining. No, We're going to the zoo.
Speaker 2: So we went to the zoo and it was everything
Speaker 2: and more. The kangaroos were they allow you to get
Speaker 2: really close, like people were like petting them. I was like, yeah,
Speaker 2: I'm not about that, like, but to see them happy, yes,
Speaker 2: you could get like they were. I don't know, like
Speaker 2: this was honestly one of the best dudes I'd ever seen.
Speaker 2: It wasn't huge, but the animals were like in like
Speaker 2: basically like open spaces, and those animals that were kind
Speaker 2: of like, you know, not anti human, you were kind
Speaker 2: of allowed to like mix and mingle with them. It
Speaker 2: was very like weird, but very cool. So the kangaroos
Speaker 2: were just hopping in front of you. People were putting
Speaker 2: their hands out and they nuzzle your hand like no
Speaker 2: food get away from me, and I was like, ah,
Speaker 2: I want to catch one, but I was scared. But
Speaker 2: they were magnificent and to see them hopping. There was
Speaker 2: one in particular that was like, oh, he's just showing
Speaker 2: off and I was like, oh my gosh. And then
Speaker 2: the koalas. They didn't let you get too close to
Speaker 2: koalas because I heard they said like the koalas could
Speaker 2: be like not today, not tomorrow night.
Speaker 1: I've seen some really scary videos of koalas.
Speaker 2: Yeah, so we were kind of like away, like, oh hey,
Speaker 2: koala in the tree looking cute, but I'm not getting close.
Speaker 2: So but drafts, like the chimpanzees were like while and
Speaker 2: they were introducing some new timpanzees to them, so they
Speaker 2: were like we don't even know you, why are you here?
Speaker 2: So they were screaming and help hoooping and hollering, which
Speaker 2: was awesome. The gorillas, Honestly, it was an awesome, awesome
Speaker 2: zoo because it wasn't huge, but it was really well curated,
Speaker 2: so it was and even though it was good, she
Speaker 2: was like, honestly, the zoo personnel person that was like
Speaker 2: kind of touring us was like rainy day because it
Speaker 2: wasn't super rainy. It was more like less than less
Speaker 2: than rain, it was more than drizzling. She was like, this,
Speaker 2: these are days are the best days because it tends
Speaker 2: to get really hot in Australia and the animals don't
Speaker 2: want to come out. The animals always have a choice
Speaker 2: of coming going into their kind of like whatever kind
Speaker 2: of shelter that they have on their their piece of
Speaker 2: the zoo. And so when she think when it's really hot,
Speaker 2: they won't come out, they'll just hang out in their shelter.
Speaker 2: She sees that they like these overcast, drizzly days. So
Speaker 2: all of the animals were out like hey boo. So
Speaker 2: it was awesome.
Speaker 1: What did you do any like? Uh, what was like
Speaker 1: splurs that you made while in Australia.
Speaker 2: Honestly, everything's a freaking splurge. Judy is expensive, it's all hell.
Speaker 2: I was like, oh, New York, is this you?
Speaker 3: Like?
Speaker 2: An egg sandwich was like fifteen dollars and I'm like,
Speaker 2: what the heck? Everything the food that was our biggest splurge, like,
Speaker 2: and it wasn't even that we ate fancy, it was
Speaker 2: just there there are no cheap eats in central Sydney
Speaker 2: where we were, so that was the zoo wasn't cheap,
Speaker 2: so that was kind of a splurish. Everything else honestly,
Speaker 2: like the tour stuff that we did wasn't super like
Speaker 2: I always do the big red bus. I love doing
Speaker 2: that the first day so you can kind of see
Speaker 2: all the sites that's not cheap cheap, but that wasn't
Speaker 2: super expensive. I would say even the Opera house was.
Speaker 2: Actually it was free for the most part, and then
Speaker 2: we took a tour which was like, I don't know,
Speaker 2: twenty bucks, which was worth it, but definitely.
Speaker 1: Everything you expected.
Speaker 2: The opera house inside. Yes, the outside, like I said,
Speaker 2: I was kind of like, yeah, it's not like like
Speaker 2: we got a close. I was like, this is tanish,
Speaker 2: but it's.
Speaker 1: What is it the lights they shine on it?
Speaker 2: No, it's the tile, the special made tile for the
Speaker 2: opera house on the outside that when when the sun
Speaker 2: hits it, the tire reflex white. But up close the
Speaker 2: tire was more of like an off white, so it's
Speaker 2: not this glimmering, super crisp white thing that you would think.
Speaker 2: But it looks like that from Afar, so it's like
Speaker 2: really beautiful when we take pictures from Afar, but up
Speaker 2: closed it's kind of like, oh, this is cute off
Speaker 2: white tile, you know, off white is kind of like
Speaker 2: it doesn't have that kind of uh I feel. But
Speaker 2: in pictures, like I said, it looks amazing, but the
Speaker 2: opera house on the inside is absolutely amazing. We took
Speaker 2: a tour about how it was built. It was a
Speaker 2: great I'm kind of like a when I go to
Speaker 2: a country or a city, I kind of like to
Speaker 2: know learn more about the history of how and why
Speaker 2: and stuff like that. So that was cool.
Speaker 1: Yeah, definitely, Yeah, that was.
Speaker 2: My life adventure. Like it was everything and more. I'm
Speaker 2: glad to be home, Like I was so glad to
Speaker 2: lay in my bed, like, hey Bet, I miss you.
Speaker 3: Hey Superman, I missed you too.
Speaker 1: I had an exciting time. I mean, you know, life
Speaker 1: went on while you were on the other side of
Speaker 1: the world. Lots of stuff happened. Well, we were just
Speaker 1: in Savannah. I went back to Savannah. They just I
Speaker 1: just can't quit it this time. I got tricked into
Speaker 1: going back. I got back well on One of our
Speaker 1: girlfriends asked if I knew I wanted to do another
Speaker 1: half marathon. I had done one a couple of years
Speaker 1: ago and had a really great experience, and I did
Speaker 1: really well, and I always wanted to do another one.
Speaker 1: And this girlfriend, you know, back in May or June,
Speaker 1: was like, yeah, let's do the Savannah Marathon. This is awesome,
Speaker 1: and like when I say I'm going to do something,
Speaker 1: I really I'm like, and the tickets are bought, the
Speaker 1: hotel reservations made a hope you don't take hope, it's
Speaker 1: no take back seats on this whole plan, and I like,
Speaker 1: I really commit anyway, so she has anyway, So for
Speaker 1: various reasons, she had a back out on the half marathon,
Speaker 1: which was a bummer. So I ended up running it
Speaker 1: by my lonesome, which is fine, It wasn't that, but
Speaker 1: but the thing is, like I was kind of it's
Speaker 1: just been so crazy that I didn't train as as
Speaker 1: well as I did for my first half marathon. Like
Speaker 1: I went down there having only run so half marathon
Speaker 1: is thirteen point one miles and I only run six miles.
Speaker 1: That's my longest race or my longest run before going down.
Speaker 1: So I was really I wasn't like nervous, but I
Speaker 1: was telling myself, like, yeah, I'm just gonna stop at
Speaker 1: six miles and go get brunch and this is silly, yeah,
Speaker 1: and this is gonna be a half half marathon and
Speaker 1: ha ha ha whatever. But then of course, like when
Speaker 1: I get there and like there's just like when you
Speaker 1: if you've ever done like a race, like I've done
Speaker 1: a triathlon and half marathons, like these are just the
Speaker 1: happiest frickin' people because it's like all the endorphins and
Speaker 1: they're all hopped up on energy, sports strings and stuff,
Speaker 1: and like everything is just so infectious. And I was like,
Speaker 1: I can do this. And I ended up running the
Speaker 1: entire thing and finishing and I have no idea where
Speaker 1: I pulled it out of but graduation, thank you.
Speaker 2: So no I saw the pick, So I didn't like
Speaker 2: that was the Vanna I love Savannah.
Speaker 1: Yeah, man, I went back and we just said for
Speaker 1: a couple of days, but it was it was painful.
Speaker 1: I've been like recovering because I mean I finished, but
Speaker 1: I I like my legs. I was like the one
Speaker 1: hobbling through the airport on the way back. I could
Speaker 1: like hardly get up and down, but just makes you
Speaker 1: want to do another one. And then I came back
Speaker 1: early early Sunday because I wanted to watch the New
Speaker 1: York City Marathon like the real marathon because one of
Speaker 1: my our cousin, I just I just claimed the cousins
Speaker 1: as my cousins. Now my beloved cousin is Sarah did
Speaker 1: the New York City Marathon and it was it was amazing.
Speaker 1: So I always love to like spectate because that is
Speaker 1: I don't know that something about the New York City Marathon.
Speaker 1: It just feels like an eight hour parade in New
Speaker 1: York City. It's so much fun.
Speaker 2: I've heard. I saw like some videos of people posting
Speaker 2: and Elaine what worth or something like that. She's a
Speaker 2: exec u h wait, I mustn't say he had grown charge,
Speaker 2: not that had h you know, h h h.
Speaker 1: Anyway, head bitch in churche.
Speaker 2: No, but she's literally like and I I don't want
Speaker 2: to refer to Elaine, but she's the editor thing. Yeah,
Speaker 2: I see, But I almost said, h whatever I see
Speaker 2: which is the head negro in charge? But I meant
Speaker 2: to say, I see the editor and editor. I'm sorry, god,
Speaker 2: I literally am opted up on It's eleven o'clock in Australia.
Speaker 2: So anyway, I saw I think I made it worse,
Speaker 2: but I saw her videos and it were like she
Speaker 2: was there and it was just amazing, like the energy
Speaker 2: people were playing, like there was jazz being played, live music,
Speaker 2: kids dancing, people hugging like it just I didn't realize that.
Speaker 2: It's it's one of those times that the city really
Speaker 2: gets together, you know.
Speaker 1: And I think it because it is less than a
Speaker 1: week after that the terrorist attack last week, that it
Speaker 1: really it felt like it felt more important than ever
Speaker 1: to go out there and and show that New York spirit.
Speaker 1: Were you talking about Elaine Wentworth from teen Vogue? Yes, okay, gotcha. Sorry, Yes,
Speaker 1: she's amazing.
Speaker 2: She is amazing. I feel like she would think that
Speaker 2: was hilarious.
Speaker 1: I'm like, ah.
Speaker 2: Chow, oh my gosh. Okay, So any other news. I mean,
Speaker 2: there's much going on. I'm like, what we.
Speaker 1: Have to talk about? Have to do we have to Okay,
Speaker 1: I'll do it. I'll do the talking if you want.
Speaker 2: I'm not.
Speaker 1: Because I know, well, tax reform, Yeah, because the Republicans
Speaker 1: finally put out their tax reform bill and there's a
Speaker 1: lot of stuff in there that could impact people and
Speaker 1: your money. They're coming for your money, and so I think, yeah,
Speaker 1: I think it's important to talk about it. So this
Speaker 1: is a tax reform plan that is just has just
Speaker 1: been put out. They haven't actually voted to pass it yet.
Speaker 1: I think it with the Senate right now, or sorry,
Speaker 1: the House and then it goes to the Senate. But
Speaker 1: they're hoping to pass it by Christmas. But there's a
Speaker 1: lot of stuff in here that could impact people, like
Speaker 1: they are changing, like the income tax brackets, and I
Speaker 1: won't take too much time like going in to explain them.
Speaker 1: Of course, of course, as we do, there's a we
Speaker 1: have a great graphic I can share for magnifying money
Speaker 1: that shows you exactly what's changing with the tax brackets.
Speaker 1: But you can see they've gone from seven tax brackets
Speaker 1: to just four. And for some people that means they're
Speaker 1: going to be paying more in taxes, and for some
Speaker 1: people it means paying less. But some people are losing
Speaker 1: and some people are winning. And then they're they're they're
Speaker 1: getting rid of some tax deductions. So of course, when
Speaker 1: you cut taxes, you have to make up for the
Speaker 1: lost revenue somehow, and that generally means on the flip side,
Speaker 1: they're going to remove some tax breaks that people get,
Speaker 1: especially in the middle class, so things like mortgage interest
Speaker 1: tax deduction, is going to be out of off the
Speaker 1: table deductor mortgage interest or see no, that's not eliminated,
Speaker 1: it's altered. So for newly purchased home the home mortgage
Speaker 1: intratroduction is lowered to five hundred thousand dollars right now,
Speaker 1: it's up to one million dollar home values you're going
Speaker 1: to They're going to reduce the amount you can deduct
Speaker 1: for medical expenses. So like right now, if you have
Speaker 1: medical bills that are over like ten percent of your income,
Speaker 1: you can deduct those expenses. But that's being reduced, reduced
Speaker 1: or eliminated. Student loan interest rate deduction is being eliminated
Speaker 1: under tax reform. So wow, right, and.
Speaker 2: The student loans are not a headache enough.
Speaker 1: Yeah, So that's a twenty five hundred dollars tax break
Speaker 1: that's going to be eliminated if this goes into effect.
Speaker 1: What else In a lot of states, like you know,
Speaker 1: you pay your state and local income taxes. Republic the
Speaker 1: Republican tax plan would end the deduction for state and
Speaker 1: local income taxes. So in states like New York and
Speaker 1: California where we pay really high state and local income taxes,
Speaker 1: this plan would no longer allow you to make to
Speaker 1: claim those as deductions on your taxes. So just some
Speaker 1: little just some little niggets. Do I have any good
Speaker 1: news to share from there? It's not all bad. I
Speaker 1: don't want to be biased. So one of the things,
Speaker 1: the positive side of things, is that they're not messing
Speaker 1: with our four to one K contribution limits, like I
Speaker 1: think we talked about that. There were the rumors that
Speaker 1: they were going to reduce it from eighteenzy to twenty
Speaker 1: five hundred or something, but they're not touching it, so
Speaker 1: that's still going to be there. And the child tax
Speaker 1: credit has been expanded, so you can now, yeah, the
Speaker 1: child the child tax credit is up to sixteen hundred
Speaker 1: dollars per dependent for parents. It's also going to add
Speaker 1: a three hundred dollars tax credit if you care for
Speaker 1: a dependent parent like someone like a grandfather or a
Speaker 1: dependent relative who's not a child, which I think you
Speaker 1: know is good, especially for families who are who don't
Speaker 1: just have children who depend on them. Let's see, and
Speaker 1: I guess that's good news. I mean, you can take
Speaker 1: a look at this graph. I mean, so right now,
Speaker 1: if you're in the like, I'll just give an example.
Speaker 1: So right now, the twenty eight percent and twenty five
Speaker 1: percent tax brackets have been combined into one single twenty
Speaker 1: five percent tax bracket. So if you are on the
Speaker 1: higher end of that, in the twenty eight percent tax bracket,
Speaker 1: your taxes may be lowered, and then if you're in
Speaker 1: the twenty five then they won't be changed at all.
Speaker 1: That's just one example, okay, and that is your tax brief.
Speaker 1: But it's important. So if you hate this and you
Speaker 1: want to tell your elected officials, you should absolutely do
Speaker 1: that because Trumpeto is pushing them to give us a
Speaker 1: Christmas tax reform bill, so and actually pass this sucker.
Speaker 1: So speak now or forever hold your piece.
Speaker 2: I see, like I see when I see as far
Speaker 2: as they have a business side to this tax reform,
Speaker 2: Like I'm just like looking partently permanently lower the top
Speaker 2: corporate tax rate to twenty percent from its current thirty
Speaker 2: five percent. How convenient. I'm not surprised by that. I
Speaker 2: was wondering, I'm like, well, how does this affect like
Speaker 2: corporate or because like why why should corporations pay less tax?
Speaker 2: That doesn't make any sense to that, you know, to me.
Speaker 1: I mean that's like the Republican Republicans have been asking
Speaker 1: for this for so long. Yeah, I didn't even talk
Speaker 1: about the corporate side of things, but definitely. I mean
Speaker 1: that's for that's the GOP platform. Like they want to
Speaker 1: lower taxes for businesses, and they say that when businesses
Speaker 1: pay less taxes, they will have more they'll have more
Speaker 1: room to hire more people, and it will help employment.
Speaker 1: It's a whole trickle down economic.
Speaker 2: I was going to play that that that President Reagan
Speaker 2: proved its bull because it did not happen.
Speaker 1: They it just but doesn't it sound good. It sounds
Speaker 1: just great. And of course the estate tax, so you
Speaker 1: may have heard of that, but that's basically it's it's
Speaker 1: a rich people's tax because it's basically an a tax
Speaker 1: on a giant inheritance. So it's people who are leaving
Speaker 1: large sums of money to their heirs. And with the
Speaker 1: tax reform bill, they're going to be doubling this estate
Speaker 1: tax exemption to nearly eleven million dollars and eventually getting
Speaker 1: rid of it all together. So that's one more perk
Speaker 1: for the the super rich, is that they won't have
Speaker 1: to pay taxes on their giant bequeathments. If that's a word.
Speaker 2: I mean some of it for businesses. I mean, like
Speaker 2: I own a business, so I'm like, definitely, like I
Speaker 2: can appreciate some things, but at the same time, I
Speaker 2: don't mind paying what I should pay so other people
Speaker 2: can be better. Like one thing, like, well, one thing
Speaker 2: I see that I do kind of like is that
Speaker 2: allowing businesses to immediately write off the cost of new
Speaker 2: equipment rather than depreciating the value. Because that so, for example,
Speaker 2: I bought a car, like that car that I bought
Speaker 2: like a couple months ago, and so I bought it
Speaker 2: under my business name. But it's not like I get
Speaker 2: to write off the full twenty two thousand dollars like instead,
Speaker 2: you have to like write it a little bit off
Speaker 2: a year or something to that effect. On my account
Speaker 2: was telling me that it's not like woo, you know,
Speaker 2: like it's slowly but surely you have to appreciate the
Speaker 2: value of the item. And I'm like, oh, it would
Speaker 2: be nice to make it simple, like, hey, you bought
Speaker 2: this thing, it's written off. So yeah, it'll be interesting
Speaker 2: to see if he's able to pass some sort of legislation.
Speaker 2: So yeah, guess we'll see.
Speaker 1: You're yeah, I mean, it sounds like there's some good
Speaker 1: stuff I mean, like with any this is a this
Speaker 1: is a huge deal because they have not there hasn't
Speaker 1: been a tax hasn't been tax reform for like what
Speaker 1: three decades now, So it's a it's a huge deal
Speaker 1: and it's not. I mean, I feel like some people
Speaker 1: may win, some are definitely going to lose. I don't know. Sure,
Speaker 1: this feels like whereas they've really failed to repeal Obamacare,
Speaker 1: this feels like the kind of thing where they might
Speaker 1: actually succeed. Yeah, a change is Yeah. What else? Oh,
Speaker 1: it's open enrollment season if you have Obamacare or any
Speaker 1: health plan. It's open enrollment season for I have to
Speaker 1: get on my I have I'm not going to miss
Speaker 1: the window this time, you know, miss the window? Yes,
Speaker 1: get on that good government insurance for my husband's insurance. Yeah.
Speaker 1: So anyway, if they only I don't know if I
Speaker 1: feel like the windows get shorter every year, Like our
Speaker 1: company only gave us what ten business days I think
Speaker 1: to pick a plan and get everything settled. And the
Speaker 1: Obamacare enrollment period also is a lot shorter this year.
Speaker 1: You only have until December fifteenth, and they're not doing
Speaker 1: the extended windows like they did before, where you could
Speaker 1: I think they used to be able to pick a
Speaker 1: plan as late as like the end of February, maybe
Speaker 1: March first even, But so if you have Obamacare, you
Speaker 1: need to sign up December fifteenth.
Speaker 2: There's some great tools you can use, Like there's a
Speaker 2: tool it's free called policy Genius. I remember, like I
Speaker 2: used that the last time that I signed up. What
Speaker 2: I liked about it is that because I'm not gonna
Speaker 2: lie the whole like the website for healthcare dot gov
Speaker 2: or whatever was confusing, and so policy genius they don't
Speaker 2: sell health insurance. It was just it made it easy
Speaker 2: because I just kind of put in what I needed
Speaker 2: and they're like, okay, girl, this is the three policies
Speaker 2: you should look into. And when you clicked on it, it
Speaker 2: took me to where that was on the website, you
Speaker 2: see what I mean. So I liked it because it
Speaker 2: was just an easy tool to kind of help me
Speaker 2: navigate when I was feeling confused. You know.
Speaker 1: Yeah, that's a great tool. Yeah, I remember sending up
Speaker 1: for my dad.
Speaker 2: Well.
Speaker 1: On that sad and bright side, a lot of health insurance.
Speaker 1: Health insurance have been exiting the markets in some states,
Speaker 1: so some people may not even have that many options
Speaker 1: to choose choose from which, on the one hand, makes
Speaker 1: things easier, but on the other hand, may make may
Speaker 1: make it that your plans are more expensive because when
Speaker 1: there's less competition, plans premiums tend to be more expensive.
Speaker 1: So yeah, pros and cons. But another thing is that
Speaker 1: the Trump administration has really slashed the budget for those
Speaker 1: healthcare navigators, like the people that you could call and
Speaker 1: they would help you, like they were trained to help
Speaker 1: you pick the right plan, like for Obamacare. Yes, a
Speaker 1: lot of states, like in some states, they don't have
Speaker 1: any at all because they keep slashing the budget. Of course,
Speaker 1: you know, they don't care about Obamacare. They want it
Speaker 1: to fail, so they're doing everything they can to not
Speaker 1: help people have a successful time, like including not advertising
Speaker 1: like as heavily as they used to do for Obamacare
Speaker 1: to like raise awareness.
Speaker 2: I haven't seen hardly any at all.
Speaker 1: Remember they there was like supposed to be a Super
Speaker 1: Bowl ad and they pulled it wow last year, So
Speaker 1: it's all that much harder. But I'm gonna send me
Speaker 1: that link to that policy Genius tool and I'll put
Speaker 1: it in the show notes.
Speaker 2: Okay, yeah, that'll be good because, like I said, I
Speaker 2: liked it because it was super you know what, I
Speaker 2: should email it to the It just like reminded me
Speaker 2: because I send like, you know, weekly emails when I
Speaker 2: remember to the Dreamcatchers, and around the same year, I
Speaker 2: sent it to them as here's a free, awesome resource
Speaker 2: because so many of us were confused about how to
Speaker 2: sign up. And I tried it, and actually I had
Speaker 2: my sister sign up and I said, wasn't easy because
Speaker 2: I was like trying to test it out, baby Lisa.
Speaker 2: She was like, yeah, so easy. So yeah, I'll definitely
Speaker 2: send you a link to use to use it.
Speaker 1: And this is your first year. You don't have you're
Speaker 1: not on Obamacare anymore, right for.
Speaker 2: The yeah, for the first time, I'm like, because the
Speaker 2: first I was like, oh yeah, loo wait, I have
Speaker 2: built in insurance. I told my husband he can never
Speaker 2: quit his job, never ever, all right, So so this
Speaker 2: is kind of random. So for those women who are
Speaker 2: I had to make a decision. So you know, I've
Speaker 2: been telling you guys about my fibroids and whatever. So
Speaker 2: I'm moving down the path toward surgery. Probably were happening
Speaker 2: around February and so I don't know, I mean, I
Speaker 2: don't know if you had to make choices like this
Speaker 2: between your business and your career and like you know
Speaker 2: you're personal, Well obviously we all have to make those choices.
Speaker 2: But I got this amazing opportunity to speak at this
Speaker 2: like four day women's conference in Americash, Morocco, and it's
Speaker 2: all inclusive. You know, they're paying and then they're paying
Speaker 2: like flight, hotel, like food, everything. And I was like,
Speaker 2: oh my god, I would have done. And it's in February,
Speaker 2: which is when I'm supposed to have my five word surgery,
Speaker 2: and so I felt like I was being tested and
Speaker 2: I was like today, of course, my natural knew jerk
Speaker 2: reaction was like I'm going to Morocco.
Speaker 3: But I was just like ugh.
Speaker 2: But then like I'm thirty eight, and I'm just like
Speaker 2: when when do you make time and space? You know?
Speaker 2: And so I just wonder if our if our readers
Speaker 2: tweet me or tweet Brown Ambition or Facebook like about like,
Speaker 2: you know, what decisions have you made? It's hard now
Speaker 2: when it's not just you making decisions like separating like
Speaker 2: your career and your business or you know, and then
Speaker 2: making decison like because this would be an amazing opportunity,
Speaker 2: but at the same time, at what cost to my
Speaker 2: personal like life and goals and so it's just been
Speaker 2: not easy. I'm not gonna lie still vacillating, even though
Speaker 2: eighty percent of me is like, girl, you're gonna stay.
Speaker 2: You're behind home because I already told Superman. He was like, oh,
Speaker 2: sounds cute, but you'll be here. And usually he's like
Speaker 2: really like open, but he was like, babe, like you've
Speaker 2: been to Morocca before me, while I've been to Morocco.
Speaker 2: It's not gonna haven't been. I was like, I know,
Speaker 2: but it's just like a different.
Speaker 1: Kind of sounds like people deciding whether or not to
Speaker 1: do drugs, Like how does this play into my overall
Speaker 1: plan for my life?
Speaker 2: I know, I know, but then at what cost? Because
Speaker 2: it's like if I keep pushing it back and pushing
Speaker 2: it back, because you know, because it's not just having
Speaker 2: one because from what I understand, like I've been talking
Speaker 2: to my doctor, get your surgery, but it's about six
Speaker 2: weeks that you're kind of like out of commission, you know,
Speaker 2: and so well at least six weeks that you're not
Speaker 2: able to leave the house, or at least the first
Speaker 2: two weeks and then another four weeks of like kind
Speaker 2: of like recovery. So that part I'm not too worried
Speaker 2: about because I don't leave the house anyway except for
Speaker 2: like to travel for business. But it's like, well tivity.
Speaker 2: And then after that there's actually like you know, like
Speaker 2: trying to have the baby, and so it's just it's
Speaker 2: just a lot of shifting that's that's gonna have to happen.
Speaker 2: And I'm like, I'm wondering, like how women who are
Speaker 2: like really like okay, like go hard for their career
Speaker 2: or their business, but I also want to have a family.
Speaker 2: How do you like navigate those things? Because I'm not
Speaker 2: gonna lie. I'm worried about like, ah, so let's just
Speaker 2: say all good news, surgery goes well, I get pregnant
Speaker 2: next year. Wait, I have two businesses working on the third.
Speaker 2: How does that all work? So I'm not gonna lie
Speaker 2: more than a little bit nervous. So I'd be curious
Speaker 2: for our listeners to kind of give their two sents
Speaker 2: of what they have done too. Like I watch Adrina
Speaker 2: and she actually has done such an incredible job, but
Speaker 2: she it's hard for her. She has a two year
Speaker 2: old and she runs her own company, She travels a lot,
Speaker 2: she travels more than I do, and so it's hard,
Speaker 2: you know, her navigating that. So I just wonder, like,
Speaker 2: what does that look like? What do you do? What
Speaker 2: are some things that could put in place now, you
Speaker 2: know for those of you women who are like, you know,
Speaker 2: super career focused and business focused. So, yeah, what's our twitter.
Speaker 1: Again at the BA podcast?
Speaker 2: At the BA podcast, so you can tweet me at
Speaker 2: the Budgeti's still or send us a Facebook message, you know,
Speaker 2: because we're sometimes the other part of the BA podcast
Speaker 2: we're you know, aside from personal finance, is like career
Speaker 2: and business. And so I know some of you guys,
Speaker 2: most of us, I'm sure if most of y'all are working.
Speaker 2: And so what does that look like if you're already
Speaker 2: a mom or your mom to be, or you're planning
Speaker 2: to be a mom, Like, what are some things that
Speaker 2: you have planned in order to work or somethings you've
Speaker 2: done that's been successful helping you make the transition?
Speaker 1: Yeah, I have no I can't help you there.
Speaker 3: All.
Speaker 1: All I will say is that there, I don't know,
Speaker 1: just have the baby and figure it out, Like fine,
Speaker 1: you'll be.
Speaker 2: Fine, right, I would like baddy. Wait, the baby's crying
Speaker 2: in the background. Hold on, girl trying to pay off podcast.
Speaker 1: My really good friends just had a baby. Congrats Kristen.
Speaker 1: She's a little Hallerween baby.
Speaker 2: A cute name Rayah.
Speaker 1: Yeah. Yeah. And I don't know, man, she she had
Speaker 1: to do it. She only gets very limited like maternity
Speaker 1: leave because she's a nurse, and I think it's like
Speaker 1: ten weeks because she hasn't been there a full year yet,
Speaker 1: so it's just the bare minimum of whatever the Federal
Speaker 1: Uh Leave Act like requires. And I don't know, I
Speaker 1: don't show. Thank god. Her husband works for Etsy, which
Speaker 1: is like this, you know, you know what Etsy is.
Speaker 1: But they have like a really liberal like six month
Speaker 1: family leave policy like for mothers and fathers. So that's
Speaker 1: so it's like an interesting like flip. Usually it's the
Speaker 1: mom taking off the most time, but it looks like
Speaker 1: her husband might have to take off more time, and
Speaker 1: they're just kind of like figuring it out as they go.
Speaker 2: Yeah, and that's I guess that's parenthood, figuring it out,
Speaker 2: figuring it out as you go, you know, And it
Speaker 2: forces you to really prioritize because from what I can see,
Speaker 2: like of like the new moms that I know, they're like, girl,
Speaker 2: I don't have time for what that like, you know,
Speaker 2: like really prioritizing your time and your energy and your space.
Speaker 2: So yes, ooh good news about the house though, are
Speaker 2: supposed to be closing on the twenty eighth.
Speaker 1: This has been a long process.
Speaker 2: What I feel like I have been the poster child
Speaker 2: of how in the hell is this along to buy
Speaker 2: a house? So yeah, because you know, it's been so crazy,
Speaker 2: I mean just in general, not just even this particular house,
Speaker 2: like just the house buying search and process, and so
Speaker 2: apparently when you buy a foreclosure, it's very common to
Speaker 2: have little glitches and hiccups along the way. The city
Speaker 2: of Newark is is becoming more and more digital, so
Speaker 2: as a result, some of the processes are were fully
Speaker 2: fleshed out. So we have to get a CO which
Speaker 2: is a certificate of occupacy, which basically says this house
Speaker 2: is safe, you can sell it. And so they had
Speaker 2: it online that only the seller could apply and pick
Speaker 2: up the sea. But the seller is a bank in
Speaker 2: the Midwest, so that doesn't even make sense. And so
Speaker 2: we kept pushing the city of Newark, like you know,
Speaker 2: you're making your it's impossible. So literally, anyone who has
Speaker 2: a foreclosed property and the it's not a person is
Speaker 2: not going to be able to sell their house. So
Speaker 2: it's a few weeks of confusion. So they finally the
Speaker 2: City of Newarker realized, oops, so now if you go online,
Speaker 2: now you have to get the CEO one they're allowing
Speaker 2: the buyer to apply for it. Or if you are
Speaker 2: a seller, that's that's you know, like a bank or
Speaker 2: it's a foreclosed property, you could go about it a
Speaker 2: different way. So that was that was literally the only
Speaker 2: thing holding us up is we have to get this
Speaker 2: piece of paper that you get once you apparently with
Speaker 2: the CEO you have people from the city come like
Speaker 2: you have to fire people, some other cold people to
Speaker 2: say this house is not there's no risk in living
Speaker 2: in this house. Yet the house can change hands. So
Speaker 2: that's what we've been waiting on for weeks and weeks
Speaker 2: and weeks, and so finally we applied and the next
Speaker 2: couple of weeks will have the fire people and the
Speaker 2: other inspection people come out to certify the house is
Speaker 2: indeed safe, and then we closed on the twenty eighth
Speaker 2: of November, right after Thanksgiving, which I think is very appropriate.
Speaker 2: So I'm super duper excited. Quiet as it's kept though
Speaker 2: we halfway moved in because we got the keys.
Speaker 1: You're already moving in.
Speaker 2: No, But it's funny because like we like, well like
Speaker 2: Superman has gotten we have like all this like stuff,
Speaker 2: Like we're like, so he's gone there, already cleaned out
Speaker 2: some things, moved it because it's still like people stuff
Speaker 2: in there, so like like put some of our things
Speaker 2: in there. I'm like, we haven't even bought the house.
Speaker 2: She he was like, the vek is in the Midwest,
Speaker 2: what are they gonna do? And so yeah, we've been
Speaker 2: very very very disrespectful with their time and been like whatever,
Speaker 2: this is our house. So I'm just excited that it's
Speaker 2: finally like I could see the light at the end
Speaker 2: of the tunnel because I really was, like, I just
Speaker 2: want to give a shout out to my uh my
Speaker 2: girl Amina, who has been the most amazing realtor. She
Speaker 2: is a fighter. I mean she they literally changed the
Speaker 2: policy because of how much she fought, and so like
Speaker 2: the City of Newark, like this doesn't make sense, it
Speaker 2: doesn't make sense. So she has been going so hard.
Speaker 2: There's very few people that I meet in business and
Speaker 2: in life that go above and beyond. And when you
Speaker 2: meet someone like that, it's like, you know, meeting a unicorn.
Speaker 2: Amina is like five unicorns. She is like five four
Speaker 2: and like eighty pounds silking web. And Amina, meanwhile, has
Speaker 2: five kids, all over the age of seven. And this
Speaker 2: woman is a powerhouse. And if she's a young woman,
Speaker 2: she's in her thirties, like, you know.
Speaker 1: The age of seven. Hold on a second, yes, five kids.
Speaker 2: To ask her for advice, I got guys should and
Speaker 2: they're so like I've been to her house and those kids,
Speaker 2: they're so beautiful. She's got such a beautiful family. But
Speaker 2: typically you would think there's no way, how is she
Speaker 2: going to be able to manage all of these cause
Speaker 2: I'm not obviously her only client, but she does, and
Speaker 2: she is amazing, amazing people ask me, okay share, the
Speaker 2: answer is now no. I always asking me that. She's like,
Speaker 2: She's like, I don't take all too many clients, obviously
Speaker 2: because her kids come first. But when you find the
Speaker 2: right person to help you with your such like, she's
Speaker 2: made magic happen. So yeah, I just want to give
Speaker 2: her a little shout a Mina, and thank you for
Speaker 2: just making this this impossible process possible. She said, Oh no,
Speaker 2: we got to get you a house.
Speaker 1: So awesome. All right, thanksgiving miracle.
Speaker 3: Yes, so brown boosts, brown break. What you're gonna do?
Speaker 3: Boost or break?
Speaker 2: Am I gonna come for you? Are you gonna have boost?
Speaker 2: Are you gonna break?
Speaker 1: I'm gonna take a boost opportunity to have an opportunity
Speaker 1: to boost. I don't think I've boosted ally Bank in
Speaker 1: a long time, but I needs to give them a
Speaker 1: shout out. I'm very I feel like, weirdly loyal to
Speaker 1: ally Bank for my savings. What is it about them?
Speaker 1: Is it like the purple color? Is it those delicious
Speaker 1: Is it the cookies that they put out at conferences
Speaker 1: that just taste so good? Like?
Speaker 2: What is it?
Speaker 1: But I it brought it came to mind because my
Speaker 1: little brother, I've been helping him with his like oh
Speaker 1: and he listens to the podcast. Now it's now I
Speaker 1: gotta wash my mouth. But anyway, he had asked me
Speaker 1: for help finding an online savings accountant and he's like, okay, Well,
Speaker 1: based on the top five online rates right now, Ally
Speaker 1: isn't number one. And I'm like, yeah, but it's like
Speaker 1: number three, and I've been with it for so long,
Speaker 1: and I just feel this inexplicable tie to it. And
Speaker 1: I don't mind the fact that it's like zero point
Speaker 1: one percent, like less than some other online savings options
Speaker 1: out there. I think. I think it's still a great bank.
Speaker 1: And one thing I'll say is like for the last
Speaker 1: six months, there's been this like as rates have been
Speaker 1: rising incrementally over all over the board, like these online
Speaker 1: savings banks have or sorry, online banks have been really competing,
Speaker 1: and I feel like every other month there's been an
Speaker 1: email saying we've raised our rate. We raised our rate
Speaker 1: like a little bit at a time, and Ally has
Speaker 1: constantly been has been there ratcheting up its rate a
Speaker 1: little bit at a time as the competitors have been
Speaker 1: raising their rates. So I feel good about like hanging out.
Speaker 1: But it's just if you're stuck with like a crappy
Speaker 1: brick and mortar bank like Bank of whatever, and you're
Speaker 1: making like point zero zero zero zero negative money on
Speaker 1: your savings, like there's no excuse anymore. Like online banks
Speaker 1: have proven that they are reliable, that they're not going
Speaker 1: anywhere your money is insured, you should take the time
Speaker 1: and transfer your money to your savings. You know, your savings,
Speaker 1: especially to a high yield savings account. There's just no
Speaker 1: reason not to. And I like ally, but there's Charles Schwab,
Speaker 1: there's Gold and Sachs. I think my brother went with Synchrony,
Speaker 1: has an online bank account. There's a lot of other
Speaker 1: options now, like way more than there used to be,
Speaker 1: like when I first opened Mind several years ago. So
Speaker 1: that's my shout out. I mean, my brain, my bo.
Speaker 2: When I got that email, I was like my Monday definitely,
Speaker 2: that was awesome. I wanted to take a break from
Speaker 2: American Airlines. Yes, I said it. Thank you for making
Speaker 2: uh the most stressful trip home. It just was crazy,
Speaker 2: Like I will say this, so I'll do a break
Speaker 2: in a boost. American Airlines. You're a trash because there's
Speaker 2: nothing more heartbreaking than depoorting a plane twice. You get
Speaker 2: on the plane, you're like, yes, I've got to go home,
Speaker 2: last leg of this long journey. You're deboard because of
Speaker 2: whatever technical issues and you're like, okay, no big geting there,
Speaker 2: Like it's gonna be a two hour weaight, but then
Speaker 2: they cut it down to an hour and you're like weo,
Speaker 2: we back on, and then you get on the plane
Speaker 2: ready to go, and then they deboard you and say, oh,
Speaker 2: by the way, we're canceled. I wanted to like run
Speaker 2: through the plane screaming, but so it broke because I
Speaker 2: was like, it was literally my last it was my
Speaker 2: third and final flight of the evening. So I understly,
Speaker 2: I'm not gonna lie. I started crying. I was so
Speaker 2: tired and frustrated. I was like, wait, I left Australia yesterday,
Speaker 2: I'm still traveling in these clothes. I probably like I
Speaker 2: just I have not taken a shower in like fourteen hours,
Speaker 2: and I want to go.
Speaker 1: And so you shouldst TOAACP.
Speaker 2: I know, right, But honestly, I booked this trip before
Speaker 2: all that. But yeah, so yes, American Airlines, you're trash.
Speaker 2: You get a brown break, But who does get a boosted?
Speaker 2: I called because so here's a little tip. If you
Speaker 2: ever have your flight canceled, do not wait in that
Speaker 2: long customer service line, because by the time you get there,
Speaker 2: whatever flights that they're gonna rebook you and have already
Speaker 2: been probably filled by the people before you. So instead
Speaker 2: just call them. So I called the American Airlines and
Speaker 2: the first woman and she was really helpful, but she
Speaker 2: was like, oh, we could fly you into Newark tomorrow.
Speaker 2: I'm like, oh, because I'm gonna sleep on the airplane
Speaker 2: floor now. Then I called back and then the second
Speaker 2: woman was like, you know what, there's a flight into
Speaker 2: La Guardia and it lands at like you know, it
Speaker 2: leads in an hour. So she was so helpful and
Speaker 2: she's like, what your email addressed? And I told her
Speaker 2: the budget needs to edd email, which is like my
Speaker 2: personal email dress, do not email me. And she was
Speaker 2: like budget is. She was a DreamCatcher. Her name was Shakira,
Speaker 2: and Shakira was so nice and friendly and accommodating, and
Speaker 2: I said, we ended up having a good key key
Speaker 2: and she was like, girl'll get your emails. You help
Speaker 2: me get my life together. Oh my god.
Speaker 3: Yeah.
Speaker 2: And honestly, I said, Shakira, because but by then I
Speaker 2: was still like still wobbly in the vorce. I said,
Speaker 2: I was about to light American Airlines on fire on
Speaker 2: social media, but because of you, girl, I'm gona wait
Speaker 2: till tomorrow. And she was rolling and I said no,
Speaker 2: but honestly, I was really going to go to Twitter
Speaker 2: and like you know, really like assault American Airlines in
Speaker 2: a nice nasty way, like you know, like going through
Speaker 2: my time in my day with what how what American
Speaker 2: Airlines put me through? But because of Shakira, it piut
Speaker 2: me in such a good space because she was, like
Speaker 2: I said, it was so nice so accommodating was like
Speaker 2: you know what, it took her a good ten minutes
Speaker 2: to kind of like look through. She looked through every
Speaker 2: possible scenario and found me this one seat I had
Speaker 2: to fly in some local party of books such as
Speaker 2: Life and if she even said, like you know your
Speaker 2: Uber ride, here's the website that you go to to
Speaker 2: send like proof and like you know, explain what happened
Speaker 2: and to see if you can get your money back
Speaker 2: for the uber ride. So Shakira, here's to you. You
Speaker 2: are Brown Ambition personified. And if I would have known,
Speaker 2: I wouldn't have thought about it, but I would have
Speaker 2: told her, girl, what's your email? I just I will
Speaker 2: send you like some swag or book or something, because
Speaker 2: she just was really excellent. So Brown boost to you, Shakira.
Speaker 2: But the company you work for is a break today.
Speaker 1: That's awesome. That was almost I'm gonna I'm gonna transition
Speaker 1: that to a boost actually, because actually.
Speaker 2: I'm up here. That's true. We're gonna upgrade. We're let
Speaker 2: me uprage. We gotta Shakira.
Speaker 1: I got recognized by an airline attendant on the phone.
Speaker 1: That's like awesome.
Speaker 2: Yeah, that was really awesome. I was like, Sakia girl.
Speaker 1: Hey, I'm gonna use your email address next time I
Speaker 1: need to get change to yes.
Speaker 2: Yes, oh yeah, that was that was definitely different. Oh
Speaker 2: my god, I'm sure we have some awesome questions from listeners.
Speaker 1: Yes, per usual. Yeah, we have a couple of questions.
Speaker 1: I'll pull up right now from the reader in box,
Speaker 1: and if you have questions, you can email us at
Speaker 1: Brown Ambition Podcast at gmail dot com or go to
Speaker 1: Brand Ambition podcast dot com. Okay, come on, thank you.
Speaker 2: Sorry I forgot I was like wait, wait it's time.
Speaker 1: Your dot com is on Australian time.
Speaker 2: Yes.
Speaker 1: Yeah, So first question comes from so. One is a
Speaker 1: credit question, and then we have which I think is
Speaker 1: a good credit question that people may not think to ask,
Speaker 1: but I thought that was good. And then another one
Speaker 1: on savings. So first question from listener Kai. She says,
Speaker 1: I've recently obtained my first credit card, and I'm hoping
Speaker 1: you can help me understand how the timing of credit
Speaker 1: card payments plays into my credit card utilization rate and
Speaker 1: credit score. So here's my specific question. My credit card
Speaker 1: has a three hundred dollars limit, and as of today,
Speaker 1: my balance is two ninety seven point one eight. My
Speaker 1: payment du date is also today. But when I go
Speaker 1: to make a payment online, I'm given these options. Either
Speaker 1: pay the minimum payment of twenty dollars, pay the last
Speaker 1: statement total, the last statement balance of one hundred ninety
Speaker 1: three dollars, or pay the entire current current balance, which
Speaker 1: is two hundred ninety seven dollars. If my payment due
Speaker 1: date is today, should I pay the last statement balance
Speaker 1: or the total current balance? That is her question, And
Speaker 1: how will this impact That's the first part of her questions.
Speaker 1: So I just want to stop there because I do
Speaker 1: think people may wonder, like, what's the difference, you know,
Speaker 1: statement balance, current balance, minimum balance or minimum due for me?
Speaker 1: Like for me, I would I would say definitely the
Speaker 1: statement balance is what it's most important. So that is
Speaker 1: what gets reported on your credit report.
Speaker 3: YEP.
Speaker 1: The reason your total balance is more than that is
Speaker 1: because your statement balance has a cut off date whenever
Speaker 1: your statement ends the fifteenth of the month, the fourteenth
Speaker 1: or whatever. And at that point they say, okay, here's
Speaker 1: where the clock stops on your current bill for this
Speaker 1: for this statement period, and we're going to bill you
Speaker 1: for that amount. If you keep racking up charges, that'll
Speaker 1: add to your total balance, but that officially, that money
Speaker 1: that you're racking up now officially won't become due until
Speaker 1: your next statement ends, exactly. So that's why it's really
Speaker 1: important to at least pay the statement balance off.
Speaker 2: If you have the money too, like if you.
Speaker 1: Have the money too, which can be a good thing,
Speaker 1: like if you don't, if you don't have necessarily enough
Speaker 1: money to cover your current balance, but your statement balance
Speaker 1: is enough and you can cover that all in one
Speaker 1: fell swoop, and that's great.
Speaker 2: That that full balance, though it is like heartwrench because
Speaker 2: you're like, oh I, oh wait a minute. Yeah, when
Speaker 2: you see the pending payment, you're like, oh man, those
Speaker 2: darn ubers, right. You also want to throw in that
Speaker 2: one of the reasons why I don't particularly like paying
Speaker 2: on the credit card website because of those kind of
Speaker 2: like limited choices. So I do bill pay. So you
Speaker 2: put in like your Every major bank and even some
Speaker 2: non major banks have automatic bill pay or just bill pay,
Speaker 2: so you go in, they ask you all these questions.
Speaker 2: And now, because bill pay is not a new thing,
Speaker 2: they're linked to different companies. So if you have you know,
Speaker 2: let's just say you have well Fargo or whatever, and
Speaker 2: your credit card is chased, they talk to each other
Speaker 2: and so well Fargo will actually know what your balance is,
Speaker 2: and so you can actually choose from the bill pay
Speaker 2: side how much you want to pay. So you might say,
Speaker 2: you know what, I don't want to pay the minimum
Speaker 2: of twenty, but I don't want to pay the full
Speaker 2: amount of one ninety seven. Instead, I want to pay
Speaker 2: seventy five dollars. Then if it's not giving you that
Speaker 2: choice on the credit card side, you can make that
Speaker 2: choice on the bill pay side from your bank. So
Speaker 2: typically I pay my credit card bill on my personal
Speaker 2: bank side, so I can decide how much I want
Speaker 2: to send versus kind of like being stuck to only
Speaker 2: pay whatever choices that the credit card company is giving me.
Speaker 1: I didn't know that any credit I didn't know there
Speaker 1: is some credit cards didn't allow you to put your
Speaker 1: own Yeah, rather different amount. Interesting, Okay, yeah, definitely, that's
Speaker 1: a good way to get around that. I didn't know
Speaker 1: that was a thing. So her next question is should
Speaker 1: I pay the amount on or before the payment due date?
Speaker 1: And how does the timing and amount paid affect my
Speaker 1: credit card utilization and or a credit score.
Speaker 2: I think the rule of thumb, it's not so much
Speaker 2: the due date, it's more so of the statement date,
Speaker 2: meaning like when the bill is issued. Pay. So for example,
Speaker 2: I used to do this and it was a mistake.
Speaker 2: I wanted to show, hey, look I'm making payments, so
Speaker 2: I would buy something and then literally go online and
Speaker 2: make the payment right then and there. That was not
Speaker 2: going to register with the credit bureaus. That I had
Speaker 2: to learn they had to wait. If I want, if
Speaker 2: the purpose for me was to register like my movements,
Speaker 2: my credit movements with the credit bureaus, I had to
Speaker 2: wait until I was actually issued the bill, you know, like, oh,
Speaker 2: here's your statement. It's due, and so it's not so
Speaker 2: much to do date. So it's like, oh, bill's been sent,
Speaker 2: now you can pay. And so that's how you know that,
Speaker 2: like one, they're going to register this is what you
Speaker 2: owed to. It's going to register, this is what you paid,
Speaker 2: and so that's kind of like the rule of thumb
Speaker 2: is wait until the bill is actually like either se
Speaker 2: TVA mail or just online, like, hey, this is this
Speaker 2: is the due date for statement balance a statement.
Speaker 1: Yeah, my concern is that So right now her statement
Speaker 1: balance is two hundred and ninety seven dollars on a
Speaker 1: three hundred dollars limit. So right now, if you don't
Speaker 1: have any other credit cards, she doesn't specify, But if
Speaker 1: this is your only credit card, you're at one hundred
Speaker 1: percent almost of utilization, and that will hurt your score.
Speaker 1: Ideally you want to be below thirty percent. One way
Speaker 1: to do that so you only have you very you
Speaker 1: have a very small limit, and you may max it
Speaker 1: out a lot. But the trick is to make payments
Speaker 1: before your statements do to eat away that balance to
Speaker 1: keep it at thirty percent of three hundred would be
Speaker 1: what ninety bucks. So if you charge one hundred and
Speaker 1: fifty dollars on the card, go ahead and pay off
Speaker 1: fifty dollars or sixty dollars today and leave the ninety
Speaker 1: dollars on there. Let that, let that be added to
Speaker 1: your statement balance, and then pay that bill off. That's
Speaker 1: one way to keep your to be able to spend
Speaker 1: more than over spend above that thirty percent utilization rate limit,
Speaker 1: but not actually have it hurt your score. Does that
Speaker 1: make sense?
Speaker 2: It does, and that's good advice.
Speaker 1: I would do that before because when I got my
Speaker 1: first credit card, this might be like a student credit
Speaker 1: card or something. When I got my first Bank of
Speaker 1: America student card, it was like three hundred bucks, and
Speaker 1: I would later I would maximine out all the time.
Speaker 1: Of course I didn't know any better, but later I
Speaker 1: learned that trick where you make small payments throughout the
Speaker 1: month and keep your keep it below thirty percent of
Speaker 1: your balance, and then let that balance be reflecting on
Speaker 1: your statement m hm. And then that'll reflect that'll get
Speaker 1: reported to the bureaus and they'll see, okay, oh you know,
Speaker 1: Kai's only got a thirty percent utilization rate. That's great,
Speaker 1: and we won't ding her for that.
Speaker 2: Exactly. It's really all about reporting, like figuring out when
Speaker 2: are my financial credit choices reported. Once you kind of
Speaker 2: figure throughout that, then it makes it easier to make
Speaker 2: decisions that are going to be in alignment with getting
Speaker 2: a better score.
Speaker 1: Yeah, it feels like bending over backwards to get around
Speaker 1: these weird credit reporting rules, but I know it is crazy.
Speaker 1: It's crazy, but yeah, So if you have two ninety
Speaker 1: seven for this month just paid off in full, I
Speaker 1: hope you can pay off your statement balance and full
Speaker 1: hope you can, and then next month pay off whatever
Speaker 1: you need to pay off to keep it a look,
Speaker 1: keep it at least no greater than ninety dollars on
Speaker 1: your next statement, and you should be in good shape. Okay,
Speaker 1: So that was from Kai. Thanks Kai, And the next
Speaker 1: question is from listener v V sizes. Hey V says,
Speaker 1: I'm a part time graduate student and I only work
Speaker 1: part time job. I make enough money to pay my
Speaker 1: expenses and have three hundred dollars left over after every
Speaker 1: leftover every month after I pay my monthly living expenses
Speaker 1: according to my budget, I've managed to save one thousand
Speaker 1: dollars and a separate savings account, and I don't know
Speaker 1: what my next savings goal should be. What should I
Speaker 1: do with the extra three hundred dollars a month that
Speaker 1: I have. I don't want to waste it on food,
Speaker 1: Jordan's and hair weave. Ye maybe those are the options. Food, Jordan's,
Speaker 1: hair weief. Can you please help me plan my next
Speaker 1: new savings goal.
Speaker 2: The so my assumption is that the does she say
Speaker 2: that she's that she has a retirement plan in place?
Speaker 1: She does not. She's part time graduate student. She's got
Speaker 1: a thousand bucks in savings. This is what we know.
Speaker 2: Okay, so if you don't have retirement plan in place,
Speaker 2: now you do, girl, I would put that money toward
Speaker 2: that because that comes first.
Speaker 1: Tiffany happy be a part time graduate student save for retirement.
Speaker 1: If it's only working a part time job and I'm
Speaker 1: guessing doesn't have a four to one k.
Speaker 2: Well, if you don't have a traditional four and one
Speaker 2: k because you're part time, you can go to your
Speaker 2: local bank and say, hey, bo, I would like to
Speaker 2: sign up for an eye on an IRA, an individual
Speaker 2: retirement account or a rock eye. Well it would be
Speaker 2: a ROTH, right because ROTH is after taxes, right.
Speaker 1: Either or yeah, yeah, you would want to it would
Speaker 1: be yeah, it could be it'd be an IRA.
Speaker 2: Yeah, so which is called an individual retirement account? Right,
Speaker 2: so you would sign up for an IRA. You can
Speaker 2: actually do it online like I know, like for example,
Speaker 2: Ally has IRA's. But you know, if you're not fully
Speaker 2: comfortable during that, if you're a millennial, you're like, we
Speaker 2: will do it online. If you're not, if you're an
Speaker 2: ex you know, millennial or whatever they call us down,
Speaker 2: then you're probably gonna want to go into your bank
Speaker 2: and just say, hey, i'd like to contribute. Start to
Speaker 2: contribute regularly to a retirement account. That is paramount, especially
Speaker 2: if you are a grad student. If you start now,
Speaker 2: you're going to be in such great shape when you
Speaker 2: get a little bit older. So that's what I would
Speaker 2: do with the extra money, is start to really think
Speaker 2: about my future, you know, beyond like where you are
Speaker 2: right now, and putting the money toward that and sitting
Speaker 2: down with someone and if not, even if not sitting
Speaker 2: down with someone, you know, you could pick now. They've
Speaker 2: got all these great tools where you might say, like,
Speaker 2: for example, I'm pretty sure that Ally has a tool
Speaker 2: where it's a roth Ira and basically they ask you
Speaker 2: all these questions about yourself personally, and they help you
Speaker 2: to pick what your retirement money should do and where
Speaker 2: it should go. So you could do that and just
Speaker 2: have it automatically transferred there every month. But I would
Speaker 2: definitely focus on retirement if you're not already, and I
Speaker 2: suspect if you're young you likely are not.
Speaker 1: And that's science. I mean, while you're in grad school,
Speaker 1: maybe your student loans aren't doe yet, and you can
Speaker 1: put that money to work for retirement, and then when
Speaker 1: you're ready to pay your student loans back, you know
Speaker 1: that you have no problem coming up with three hundred
Speaker 1: dollars to put toward those student loans and maybe diverting
Speaker 1: that money to student loans until they're paid off, right,
Speaker 1: because that's going to be the issue. I think when
Speaker 1: she graduates, it's going to be like, well, what do
Speaker 1: I do now? Retirement or student loans? And I say,
Speaker 1: that's a tricky question. It depends on like how much
Speaker 1: I know I'm giving her additional question she didn't ask,
Speaker 1: but I'm looking into your future and I'm saying that
Speaker 1: it may make more sense to be putting as much
Speaker 1: money as you can toward that debt, depending on what
Speaker 1: your interest rates are, or like doing half, like putting
Speaker 1: half towards your student loan bill and then continuing to
Speaker 1: put half toward your retirement.
Speaker 2: That's a good idea.
Speaker 1: Do you think I mean, she doesn't tell us you
Speaker 1: know where she lives or how much her life costs,
Speaker 1: But do you think a thousand bucks is enough to
Speaker 1: have a savings account and be like, and I'm done
Speaker 1: and I'm good for life because it seems low to me.
Speaker 2: Yeah, you're right, I mean, And so the thing is
Speaker 2: too maybe let's a lot, And I think that I
Speaker 2: like your idea, not thinking of the three hundred dollars
Speaker 2: as this lump sum that cannot be separated. So you
Speaker 2: might say to yourself, Okay, of this three hundred, I'm
Speaker 2: gonna put one hundred toward retirement, one hundred towards this day,
Speaker 2: and one hundred toward growing that savings account. You know
Speaker 2: what I mean. So I think that ask yourself your
Speaker 2: overall financial goals and how you can Obviously you're not
Speaker 2: going to separate the three hundred to three hundred pots,
Speaker 2: but there you might have that three hundred going to
Speaker 2: two or three or maybe even four different pots that
Speaker 2: serve your greater goals, because a thousand does seem a
Speaker 2: little low. But I mean, I don't know where you live,
Speaker 2: but you know you're wanting to have. Ideally, they say
Speaker 2: you want to have anywhere from like on the super
Speaker 2: low end, three months worth of your life expenses, and
Speaker 2: on the higher and up to twenty four months, two years,
Speaker 2: depending on what type of life you live, so typically
Speaker 2: around six months to a year of emergency money. So
Speaker 2: you know, it's one thousand dollars like at least three months.
Speaker 2: I don't know, it might be, but maybe contributing to
Speaker 2: that so that way you have a little bit more
Speaker 2: of a stash and you might be like, you know,
Speaker 2: I don't need to do a whole bunch. Maybe it's
Speaker 2: just fifty bucks of the three hundred. But I think
Speaker 2: that those three things that Manny and I mentioned, retirement,
Speaker 2: debt and savings, that that three hundred can address those
Speaker 2: three things that three hundred.
Speaker 1: Yeah, agreed, Hell cravyvy, thanks for your question. And if
Speaker 1: you guys again, if you have questions Brand Ambition Podcast
Speaker 1: at gmail dot com or brand Ambition podcast dot com.
Speaker 1: You got it get too fast.
Speaker 2: I try to flip it in there. Oh yeah, go
Speaker 2: to podcast dot com right and click no click to
Speaker 2: ask us anything? Is that what it's what it says? Right?
Speaker 1: Ask us anything? Yep.
Speaker 2: So all I do is win, win, win, no matter
Speaker 2: what what you gotta win for. So do you have
Speaker 2: any wins?
Speaker 1: I'm gonna make you go first this time.
Speaker 2: I have when that is slightly uncomfortable, but not uncomfortable.
Speaker 2: So so ben Kind happened, No, definitely nothing more comfortable. Oh,
Speaker 2: I will say that I think I lost my full
Speaker 2: twenty pounds. I'm good now. I'm not like the weight
Speaker 2: that I want to be. I'm like, ooh, I'm here,
Speaker 2: but the vegan isn't. I'm actually not gonna give it up.
Speaker 2: I think I'm gonna stay because I'm like, hmmm, from
Speaker 2: what I've heard, the hormones and the meat are not
Speaker 2: five boards friends, so they're like people have been telling me,
Speaker 2: and my doctor can tell me it's actually good that
Speaker 2: I'm vegan. So anyway, my win, I didn't attend fen
Speaker 2: Kind and you didn't go this year either, right, Mandy,
Speaker 2: I did not, and so I heard it was awesome.
Speaker 2: So I was nominated for Plutus Award. And Plutus is
Speaker 2: like the Emmys for financial like bloggers and writers and
Speaker 2: stuff like that, and so honestly, I was nominated for
Speaker 2: award that I didn't think I should have been nominated for,
Speaker 2: like one award. I was like, ooh, that's totally me,
Speaker 2: which was online community, which y'all dream catchers know, we
Speaker 2: got that on lock. I didn't win that one, but
Speaker 2: that's okay because who did win was very deserving. But
Speaker 2: I was also nominated for best Blog for Women, and
Speaker 2: I'm not gonna lie.
Speaker 3: I don't blog.
Speaker 2: That mean I have a blog, but I was like.
Speaker 1: You best blog what? Maybe blog exactly?
Speaker 2: And I'm not gonna lie. I feel some kind of
Speaker 2: way of like, why did you guys give you this award?
Speaker 1: Like now, what are they doing? What?
Speaker 2: Because I like, honestly, I can honestly say and this
Speaker 2: is not even the humility of like, oh no, because honestly,
Speaker 2: I wanted to win a community work because I feel
Speaker 2: like I have a dope on my community. I felt
Speaker 2: like I was dropped but whatever, So this is not
Speaker 2: false humility at all. But I'm like, when the people
Speaker 2: are timty one, I was like, yeah, the community of
Speaker 2: what they're like, no, best financial block for Women, I'm like,
Speaker 2: what categories? I didn't even know I was in that category?
Speaker 2: Why did I win that? So? I mean it's a win,
Speaker 2: which is nice, but I'm not gonna lie. I feel
Speaker 2: like there are so many amazing financial blocks for women
Speaker 2: that are awesome blogs, and it feels like, honestly, it's
Speaker 2: not an award that I can take with pride because
Speaker 2: I blog. But like literally what I'm like, it's a
Speaker 2: blue moon. I think I should write something. I'm I'm
Speaker 2: you know, so it's yeah, but from what I understand,
Speaker 2: because the true wind is that when you're a pollutics award,
Speaker 2: you get great swag. And so apparently there's an Amazon
Speaker 2: Echo dot on my way to the house, and I'm
Speaker 2: on my way to my house, So that's the true wind.
Speaker 2: Whoop whoop, free Amazon Echo that. So that's my win
Speaker 2: that I got an award that I did not deserve,
Speaker 2: but I did get some amazing sweag to go along
Speaker 2: with you.
Speaker 1: Not gonna You've had the Amazon dot the election, where
Speaker 1: like since last Christians, I got inenrik one And it's
Speaker 1: so pathetic. It's so pathetic, how like we have no
Speaker 1: idea what to do with it. We're just like, tell
Speaker 1: me the weather and tell me a joke.
Speaker 2: Well, Superman is super like into tech stuff, so I'm
Speaker 2: really curious to see how it's going to work in
Speaker 2: our house because I don't know.
Speaker 1: Oh yeah, I forgot husband got the iPhone ten.
Speaker 2: It's his making that same error that I error, or
Speaker 2: whatever it is.
Speaker 1: I don't think so. But I have seen that. I've
Speaker 1: been getting messages from some people anyone. I think it's
Speaker 1: not just that it's not the new iPhones, it's like
Speaker 1: the new iOS update okay, right, or I don't know.
Speaker 1: I don't know about it, but I saw Yeah, I
Speaker 1: got some weird texts from some people were like, if
Speaker 1: you write the letter I, it turns into like an
Speaker 1: A yeah, yeah, like a question mark box thingy. Yeah,
Speaker 1: I will say I want to give a boost to Sorry,
Speaker 1: this is gonna be no, my win is gonna be
Speaker 1: for employees who raise their hand and ask for a
Speaker 1: one on one UH one on one feedback session with
Speaker 1: their managers. Because one of my UH direct reports recently
Speaker 1: did that to me, and I thought, I was like,
Speaker 1: they tell you to, they tell you to do this,
Speaker 1: but I don't feel like people really ever do it.
Speaker 1: And I thought that it was really really smart of
Speaker 1: her to do that because I've been so overwhelm lately.
Speaker 1: I really haven't had time to sit down and do
Speaker 1: the one on one feedback session with people. And if
Speaker 1: she had waited and gotten bitter about not ever getting
Speaker 1: feedback and not ever hearing how she's doing that, it
Speaker 1: just would have made her it just it would have
Speaker 1: made her feel bad and would have made her like
Speaker 1: feel bitter about working here possibly, But the fact that
Speaker 1: she like raised her hands and even asked for a review,
Speaker 1: I thought was really great. And that's something that I
Speaker 1: used to do, uh with sometimes success, sometimes not success
Speaker 1: at my prior jobs. And I just think that's a
Speaker 1: great tip for anyone who is like, it's the end
Speaker 1: of the year, you're feeling like, you know, you may
Speaker 1: be up for a raise or you want that promotion,
Speaker 1: but like your boss hasn't swept into the office and
Speaker 1: rolled out the red carpet and invited you for a
Speaker 1: sit down chat. Like, it's completely within your power to
Speaker 1: ask your boss to have a chat of your own
Speaker 1: and to take that time to tell them what you
Speaker 1: want and like what you're what you're feeling like you
Speaker 1: deserve and what you want more from the job and
Speaker 1: all that, and this is the time to do it.
Speaker 2: Oh that's awesome.
Speaker 3: Look at her. Is she young?
Speaker 1: She's yeah, she's uh, mid well on her age. I
Speaker 1: don't know her age, mid twenties, semi semi not super rookie,
Speaker 1: but I don't know. And I and like, while I'm
Speaker 1: talking about the office, so you know, we've we've really expanded.
Speaker 1: Like a year ago when I joined Magnified Money and
Speaker 1: it was like what three people, two people, and now
Speaker 1: there's like a full office and I've never I've never
Speaker 1: been this this, you know, this close to the beginning
Speaker 1: of something, to see it grow, this list quickly and
Speaker 1: well not quickly, but to see it grow, and it's
Speaker 1: just been really it's been really awesome to have new
Speaker 1: people coming on board, and our office is really diverse.
Speaker 1: It's literally like half women, half men, and there's people
Speaker 1: from different countries and different backgrounds and different ages, and
Speaker 1: it's just it's exactly the kind of place that I
Speaker 1: like to like, this type of people I like to
Speaker 1: be around, and I'm just really I'm really happy with
Speaker 1: where we're going.
Speaker 2: Oh look a Magnified Baby, Magnified Money. I remember, I
Speaker 2: think I met Nick on the on the night like
Speaker 2: you and I were at like a panel. I think
Speaker 2: it was an American Express or whatever, and that night
Speaker 2: at that panel is when I met Nick. Did you
Speaker 2: meet him that day.
Speaker 1: Too, I don't remember, ben Con Yeah, I think maybe
Speaker 1: in person for the first time.
Speaker 2: No, no, not Finkinn. Remember you came to Newark like
Speaker 2: for this American Express panel.
Speaker 1: Oh whoa, yeah, yes he was there. He was there.
Speaker 2: Remember he was there in the crowd and he asked
Speaker 2: a really great question or something like that, and I
Speaker 2: remember like I connected with him there. I was like
Speaker 2: I like him. I remember thinking he was so different
Speaker 2: from any of the personal finance people. Well, I mean
Speaker 2: to be all the way transparent, like from any of
Speaker 2: like the white guys in personal finance, because like the
Speaker 2: brown people are were typically community focused. But like, I
Speaker 2: didn't really meet white guys who were in personal finance
Speaker 2: that were like, I'm here for the people. So it
Speaker 2: struck me. I remember being like, what, you're here for
Speaker 2: the people? Who are you, sir? And then like really,
Speaker 2: you know, like exploring magnifying money and being like this
Speaker 2: is amazing and he has never disappointed me aside from
Speaker 2: the back of you know, y'all still only money but
Speaker 2: whatever needs to hear about that. But yeah, well other
Speaker 2: than that, like, yeah, Nick is amazing the company that
Speaker 2: he's built with this amazing team. You guys are all like,
Speaker 2: I really love magnified money. It is probably like when
Speaker 2: I look at my my U underutilized blog and I
Speaker 2: look at my my what are those things called analytics.
Speaker 2: Magnify Money is the number one site that people leave
Speaker 2: my my blog for because that's how much I got. Yeah, Like,
Speaker 2: I was just like because it's just such an awesome
Speaker 2: resource and tool, and people thank me all the time, like,
Speaker 2: thank you so much for magnified money. It's easy to navigate,
Speaker 2: it's trustworthy, and you know, I don't know, you guys
Speaker 2: are just awesome.
Speaker 1: Well, thanks, we try.
Speaker 2: You're welcome. Oh.
Speaker 1: I just got a big fat check from Ebates. Speaking
Speaker 1: of which, before I before we say goodbye, my mother
Speaker 1: was like, what did tip you start doing Ebaates commercials?
Speaker 1: She finally sought one of your eBay dogs.
Speaker 2: I love your mom. When your mom and sister were dancing,
Speaker 2: I was like, oh, I want to get it in.
Speaker 2: I want to dance at your wedding.
Speaker 1: I'm glad.
Speaker 2: Yeah. So yeah, that commercial is doing really well. I'm
Speaker 2: not gonna lie. I kind of be some kind of
Speaker 2: way that I didn't ask for money because I was
Speaker 2: just so excited to be in a commercial and I
Speaker 2: kind of asked for an OLF handedly. I was like,
Speaker 2: if y'all ever do a commercial, I'd love to be
Speaker 2: in it. When I was talking with my partner there
Speaker 2: are Ebates and when they were like, we'll fly you out,
Speaker 2: you know, but it's not likely that you'll be you'll
Speaker 2: make it, but as far as like you've being a
Speaker 2: great partner, it is kind of like our hey girl, hey,
Speaker 2: thanks so much. So I was excited craft food and
Speaker 2: I was able to bring Drina and they were like,
Speaker 2: you know, it's likely not going to make it on air,
Speaker 2: and I said, okay, if it is, it's going to
Speaker 2: be a group commercial. And then I don't know, they
Speaker 2: decided to do a fifteen second spot and now it's
Speaker 2: like their number one converting commercial and I'm like, where's
Speaker 2: my check?
Speaker 1: You know you may thank off those affiliate links.
Speaker 2: I know, yeah I do, but still I was like, wow,
Speaker 2: I need to Yeah, so now I know better. So
Speaker 2: now I'm like, ebaits you want my face back on
Speaker 2: that commercial? You want to love commercial? Ebates, it's going
Speaker 2: to cost no. Honestly, I love Ebaths. It's another it's
Speaker 2: like a magnified money that it's one of the few
Speaker 2: brands and businesses that it's a win win I've shared
Speaker 2: and I've never had a moment's pause of like is
Speaker 2: this a good business? EBAs is awesome. I mean you.
Speaker 1: Lose, like they just wave you money for shopping, like, yeah,
Speaker 1: I just made thirty bucks and I didn't do a
Speaker 1: damn thing like exactly.
Speaker 2: It's EBAs is Honestly, if you're not using ebays, I
Speaker 2: don't know what you're doing, like it's this is not
Speaker 2: they're not paying me to say, oh we should get
Speaker 2: them to be a sponsor.
Speaker 1: Let me reach out to but anyway, yeah, I ad
Speaker 1: the I always add the extension to my browsers, so
Speaker 1: it doesn't even matter where I am, it just pops up. Yeah,
Speaker 1: let me let me withhold my my plug before they
Speaker 1: start paying for advertising. Don't go, don't go click yet,
Speaker 1: don't click at
Speaker 2: Let's get us a link