1 00:00:16,280 --> 00:00:21,480 Speaker 1: Hey, hey, hey, it's election day. I'm Tiffany. 2 00:00:22,680 --> 00:00:28,200 Speaker 2: I need to be sure recording. Hold on, Yes we are. 3 00:00:28,600 --> 00:00:33,720 Speaker 2: I am Mandy. Hey, y'all, and this is brown ambition. 4 00:00:35,040 --> 00:00:38,920 Speaker 1: Oh my goodness, So riddle me this, mandra Have you 5 00:00:38,960 --> 00:00:42,320 Speaker 1: ever seen so much a fever for midterm elections before? 6 00:00:42,880 --> 00:00:45,320 Speaker 2: I've never felt I was talking to someone today and 7 00:00:45,360 --> 00:00:47,239 Speaker 2: I was like, I don't even think, and I'll put 8 00:00:47,280 --> 00:00:49,320 Speaker 2: myself out there. I'm sure I'm not alone. I don't 9 00:00:49,320 --> 00:00:51,200 Speaker 2: think I've ever voted in a midterm election. 10 00:00:51,920 --> 00:00:54,200 Speaker 1: I'm not gonna lie. I'm not gonna lie. I was 11 00:00:54,200 --> 00:00:56,280 Speaker 1: thinking that to myself. I'm like, have I ever voted 12 00:00:56,560 --> 00:00:58,640 Speaker 1: in a midterm election? Maybe because my dad's like really 13 00:00:58,680 --> 00:01:01,920 Speaker 1: civic minded, so like, I know there's definitely times he's like, 14 00:01:01,960 --> 00:01:05,800 Speaker 1: you go vote. But honestly, when I tell you, I've 15 00:01:05,920 --> 00:01:09,319 Speaker 1: never seen so many people like young and O. I 16 00:01:09,360 --> 00:01:11,640 Speaker 1: went to go vote because of course, like I'm eighteen 17 00:01:11,800 --> 00:01:14,680 Speaker 1: and I still vote in Westfield where I went to 18 00:01:14,760 --> 00:01:18,039 Speaker 1: high school. Oh, so I had to drive back there. 19 00:01:18,520 --> 00:01:21,399 Speaker 1: But the line it was an hour. It was an hour. 20 00:01:21,959 --> 00:01:25,000 Speaker 1: And they said, since six am, the line has not 21 00:01:25,000 --> 00:01:28,640 Speaker 1: been shorter than an hour long wait. And I'm like wow, yeah, 22 00:01:28,680 --> 00:01:33,560 Speaker 1: and I there people are really even like the advertising, 23 00:01:33,600 --> 00:01:35,440 Speaker 1: Like I just went to Google and instead of Google 24 00:01:35,520 --> 00:01:37,800 Speaker 1: said go vote, and I'm like, wow. 25 00:01:38,360 --> 00:01:40,800 Speaker 2: I mean Beyonce got on Twitter. She got I mean 26 00:01:40,880 --> 00:01:45,200 Speaker 2: not Twitter on Instagram and endorsed a candidate for Senate 27 00:01:45,319 --> 00:01:47,720 Speaker 2: in Texas, which I was like, kind of low key, 28 00:01:47,760 --> 00:01:50,280 Speaker 2: she's a little late, like she posted a couple hours ago. 29 00:01:50,560 --> 00:01:53,600 Speaker 2: But shout out to her for finally getting her act together. 30 00:01:55,440 --> 00:01:58,240 Speaker 1: But yeah, yeah, it was the same. 31 00:01:58,280 --> 00:02:01,520 Speaker 2: In New York City. A couple of my the people 32 00:02:01,520 --> 00:02:03,919 Speaker 2: who work in my office came in just like looking 33 00:02:04,000 --> 00:02:06,720 Speaker 2: like they were completely harassed. Like the lines were so long. 34 00:02:06,880 --> 00:02:09,519 Speaker 2: People Like at one load a voting location in Brooklyn, 35 00:02:09,600 --> 00:02:13,040 Speaker 2: I heard like the the the what do you call it, 36 00:02:13,080 --> 00:02:16,200 Speaker 2: Like the scanning machines or the vote scanner machines weren't 37 00:02:16,200 --> 00:02:17,960 Speaker 2: working and there was this massive line. 38 00:02:19,240 --> 00:02:19,480 Speaker 1: Yeah. 39 00:02:19,480 --> 00:02:22,720 Speaker 2: I just I feel like everyone. It feels like people 40 00:02:22,840 --> 00:02:25,000 Speaker 2: knew they were gonna was gonna be like a record turnout, 41 00:02:25,000 --> 00:02:27,080 Speaker 2: but it doesn't feel like the polling locations got the 42 00:02:27,120 --> 00:02:31,720 Speaker 2: memo or like actually made any changes to make it easier, because. 43 00:02:31,680 --> 00:02:37,720 Speaker 1: Yeah, they're already talking about voter suppression. In Georgia, oh yeah, where, Yeah, 44 00:02:37,840 --> 00:02:41,239 Speaker 1: we're I think it mostly some of the voter machines 45 00:02:41,280 --> 00:02:45,520 Speaker 1: they didn't bring chords to like to plug them in. 46 00:02:45,600 --> 00:02:47,760 Speaker 1: And it's only mostly, of course, areas where minorities are. 47 00:02:47,880 --> 00:02:50,600 Speaker 1: Isn't that so terrible? That guy is the worst in Georgia. 48 00:02:51,440 --> 00:02:53,720 Speaker 2: I mean, I cast my vote in New York, but 49 00:02:53,760 --> 00:02:56,400 Speaker 2: I'm watching I'm watching my homestay. I still consider Georgia 50 00:02:56,480 --> 00:02:58,440 Speaker 2: because I'm like, please do the right thing, you guys. 51 00:02:58,480 --> 00:03:01,480 Speaker 2: But also it's really depressing because it's not just like 52 00:03:01,520 --> 00:03:04,519 Speaker 2: a new thing for Georgia, this talk of voters suppression. 53 00:03:05,480 --> 00:03:09,040 Speaker 2: Brian Kemp, the Republican candidate, has been actively trying to 54 00:03:09,040 --> 00:03:11,880 Speaker 2: suppress votes. I mean, he's he literally is on the 55 00:03:12,240 --> 00:03:15,040 Speaker 2: uh it manages elections for the state. That's like his job. 56 00:03:15,440 --> 00:03:17,960 Speaker 1: That's crazy. And then and he's been sued multiple times 57 00:03:17,960 --> 00:03:20,679 Speaker 1: and found guilty of it, which I'm like, how is 58 00:03:20,720 --> 00:03:23,639 Speaker 1: he allowed to still manage then these elections? 59 00:03:24,360 --> 00:03:26,680 Speaker 2: It's outraged like that that I feel like is the 60 00:03:26,720 --> 00:03:29,239 Speaker 2: reason there's such I mean, I almost feel like people 61 00:03:29,280 --> 00:03:31,399 Speaker 2: have had this pent up aggression. I mean since day 62 00:03:31,720 --> 00:03:35,000 Speaker 2: day one of you know, day one, post apocalypse, post 63 00:03:35,280 --> 00:03:38,840 Speaker 2: twenty sixteen election night, everyone. We were depressed. You know, 64 00:03:39,200 --> 00:03:41,560 Speaker 2: there was like this depression that fell over a lot, 65 00:03:41,720 --> 00:03:44,080 Speaker 2: probably over more than half the country. But then it 66 00:03:44,120 --> 00:03:47,520 Speaker 2: was like midterms, mid terms. It became like the chant, 67 00:03:47,640 --> 00:03:50,000 Speaker 2: the chant that we shared like two years, two years, 68 00:03:50,000 --> 00:03:52,520 Speaker 2: we can finally do something. And I think that's why 69 00:03:52,520 --> 00:03:55,760 Speaker 2: we're seeing such crazy turnout. But you know, I just 70 00:03:55,800 --> 00:03:58,440 Speaker 2: wish it was easier to vote. Man, it should it 71 00:03:58,480 --> 00:03:59,640 Speaker 2: should be so much easier. 72 00:04:00,200 --> 00:04:02,680 Speaker 1: Well, they did a lot of like I saw, like 73 00:04:02,840 --> 00:04:06,600 Speaker 1: more than ever before that people voted early, like early voting. 74 00:04:06,640 --> 00:04:08,280 Speaker 1: I don't think New Jersey has it because I definitely 75 00:04:08,280 --> 00:04:12,880 Speaker 1: would have done it. Yeah, so it was just like 76 00:04:12,920 --> 00:04:15,440 Speaker 1: I said, I mean usually like my city where my 77 00:04:15,560 --> 00:04:18,200 Speaker 1: town that grew, Westfield. You know, the turnout it's pretty decent, 78 00:04:18,320 --> 00:04:21,000 Speaker 1: although like you said, I don't even know for it 79 00:04:21,040 --> 00:04:23,520 Speaker 1: actually was. There was more people for midterms than it 80 00:04:23,600 --> 00:04:26,200 Speaker 1: was for the presidential election. For when I went in 81 00:04:26,240 --> 00:04:28,920 Speaker 1: and I'm like, wow, people are really not fun. Yeah, well, 82 00:04:29,040 --> 00:04:30,479 Speaker 1: you know, I mean to be fair, it's not like 83 00:04:30,520 --> 00:04:32,720 Speaker 1: I go the same time every year. But I don't 84 00:04:32,920 --> 00:04:35,880 Speaker 1: remember ever waiting that long. I was like wait, And 85 00:04:35,920 --> 00:04:37,760 Speaker 1: then they had a little ninety year old lady who 86 00:04:37,839 --> 00:04:39,520 Speaker 1: was like checking everyone in. I'm like, why did they 87 00:04:39,520 --> 00:04:41,680 Speaker 1: have this lady here? She was super nice, but when 88 00:04:41,720 --> 00:04:43,760 Speaker 1: I tell you the lie, I was like, oh my god, 89 00:04:44,120 --> 00:04:46,000 Speaker 1: Like it didn't make sense. Like have her sit by 90 00:04:46,000 --> 00:04:51,039 Speaker 1: the actual like like little I don't know, voting booth 91 00:04:51,120 --> 00:04:53,520 Speaker 1: and just hand you your card because for her to 92 00:04:53,560 --> 00:04:56,200 Speaker 1: have to find your name sign, I'm like, why did 93 00:04:56,200 --> 00:04:58,760 Speaker 1: they have grand out grandma doing this? People were looking 94 00:04:58,880 --> 00:04:59,640 Speaker 1: like what's happening? 95 00:05:00,120 --> 00:05:03,080 Speaker 2: Still like reams of paper, They're like thumbing through to 96 00:05:03,080 --> 00:05:04,920 Speaker 2: find your name on the on the list of the 97 00:05:04,960 --> 00:05:07,760 Speaker 2: voter registration documents. I mean, I just feel like it's 98 00:05:07,800 --> 00:05:10,600 Speaker 2: so antiquated and it's been made. I almost like this 99 00:05:10,640 --> 00:05:13,320 Speaker 2: whole experience of this midterm election voting, even me trying 100 00:05:13,360 --> 00:05:15,599 Speaker 2: to figure out how to do absentee ballots because we 101 00:05:15,720 --> 00:05:18,480 Speaker 2: vote in a county thirty minutes north of Manhattan, and 102 00:05:18,560 --> 00:05:21,039 Speaker 2: I couldn't go vote today because of work stuff, so 103 00:05:21,080 --> 00:05:22,800 Speaker 2: I went this weekend to try and vote, and like 104 00:05:22,839 --> 00:05:25,360 Speaker 2: the address on the website wasn't actually the address where 105 00:05:25,400 --> 00:05:26,920 Speaker 2: you can go pick up the ballots, and it was 106 00:05:26,960 --> 00:05:29,080 Speaker 2: this whole run around to finally get to the place 107 00:05:29,080 --> 00:05:31,720 Speaker 2: where I had to cast my vote and I'm just 108 00:05:31,760 --> 00:05:34,680 Speaker 2: like it. You know, we talk about voter suppression in 109 00:05:34,680 --> 00:05:37,159 Speaker 2: the obvious ways, but I feel like the whole the 110 00:05:37,200 --> 00:05:41,159 Speaker 2: whole like way that. But we have elections set up 111 00:05:41,200 --> 00:05:43,279 Speaker 2: in the polling process, and the voting process in this 112 00:05:43,440 --> 00:05:46,000 Speaker 2: in this country is is a form of it, just 113 00:05:46,080 --> 00:05:50,400 Speaker 2: it naturally punishes people who don't have transportation, who work 114 00:05:50,520 --> 00:05:53,200 Speaker 2: nine to five, you know, and can't get takeoff work 115 00:05:53,240 --> 00:05:56,200 Speaker 2: to go vote. And I would I would love to. 116 00:05:56,279 --> 00:05:59,560 Speaker 2: I don't know if I just don't think voters rights 117 00:05:59,560 --> 00:06:02,599 Speaker 2: and voters and the voting process is ever like a 118 00:06:02,600 --> 00:06:05,920 Speaker 2: big campaign issue, but I wish it was, because can 119 00:06:05,920 --> 00:06:07,400 Speaker 2: you imagine, like you can get a flu shot at 120 00:06:07,440 --> 00:06:09,560 Speaker 2: dayne Reid, what if you could vote, you know, at 121 00:06:09,560 --> 00:06:11,120 Speaker 2: the drug store, or what if you could cast a 122 00:06:11,200 --> 00:06:13,640 Speaker 2: vote on your phone like you could for American idol 123 00:06:13,720 --> 00:06:16,719 Speaker 2: or something like that. I mean, so many studies have 124 00:06:16,760 --> 00:06:20,360 Speaker 2: shown if But the fact that like voter turnout, you know, 125 00:06:20,920 --> 00:06:24,039 Speaker 2: is a big reason why we have party lines the 126 00:06:24,040 --> 00:06:25,679 Speaker 2: way that we do, and it's a big reason why 127 00:06:26,000 --> 00:06:30,839 Speaker 2: democrats and liberals are progressives often struggle in races like 128 00:06:30,880 --> 00:06:33,280 Speaker 2: this because the people who would vote for them are 129 00:06:33,279 --> 00:06:34,480 Speaker 2: the least likely to show up. 130 00:06:34,839 --> 00:06:39,480 Speaker 1: Yeah, no, you're right. It's definitely like you know, we're 131 00:06:39,480 --> 00:06:42,000 Speaker 1: all watching the Stacy Abrams race, We're all watching the 132 00:06:42,120 --> 00:06:46,880 Speaker 1: Gilliam race. We're all watching just well chat you know, 133 00:06:46,880 --> 00:06:48,680 Speaker 1: you're just like my I just don't even want to 134 00:06:48,720 --> 00:06:50,240 Speaker 1: I'm just gonna go to sleep and wake up because 135 00:06:50,240 --> 00:06:51,480 Speaker 1: the last time we thought we had it in the 136 00:06:51,520 --> 00:06:54,800 Speaker 1: bag with the Cheeto for president. 137 00:06:54,640 --> 00:06:56,640 Speaker 2: I have zero zero hope. I mean I have. The 138 00:06:56,960 --> 00:06:59,520 Speaker 2: hope that I have is like watching my baby brother 139 00:06:59,520 --> 00:07:02,719 Speaker 2: in Atlanta who's been canvassing for Stacy Abrams for months now, 140 00:07:03,080 --> 00:07:06,560 Speaker 2: him and his friends canvassing like this is you know, 141 00:07:06,680 --> 00:07:09,440 Speaker 2: say what you Obviously it's a terrible situation our countries 142 00:07:09,440 --> 00:07:12,400 Speaker 2: and right now politically, but I can at least take 143 00:07:12,440 --> 00:07:14,680 Speaker 2: hope and like the fact that young people are really 144 00:07:14,680 --> 00:07:17,960 Speaker 2: feeling mobilized to get out there and get the vote out. 145 00:07:17,960 --> 00:07:20,560 Speaker 2: And I don't know that Stacy Abrams might have run 146 00:07:20,560 --> 00:07:23,120 Speaker 2: if twenty sixteen had it happened. 147 00:07:23,200 --> 00:07:24,240 Speaker 1: So that's true. 148 00:07:24,280 --> 00:07:26,800 Speaker 2: Mm hmm, there's that prize. I got to hope she wins, 149 00:07:26,800 --> 00:07:30,960 Speaker 2: so I know, I know, come through Georgia, I know. 150 00:07:32,920 --> 00:07:36,640 Speaker 1: Oh boy. So other than that, I had to do 151 00:07:36,720 --> 00:07:40,080 Speaker 1: some real adulting today. My dad was like, because you know, 152 00:07:40,120 --> 00:07:42,239 Speaker 1: like I mentioned, last week or the week before lasted, 153 00:07:42,320 --> 00:07:47,480 Speaker 1: I paid out here my mom's mortgage and he was like, 154 00:07:47,520 --> 00:07:49,520 Speaker 1: you know, I didn't even mind paying my taxes today. 155 00:07:49,560 --> 00:07:55,240 Speaker 1: I was like, taxes, taxes. I totally forgot Superman, and 156 00:07:55,280 --> 00:07:57,040 Speaker 1: I have to pay taxes on our property because you know, 157 00:07:57,160 --> 00:07:59,880 Speaker 1: usually taxes come out with your mortgage, so you don't 158 00:07:59,880 --> 00:08:02,200 Speaker 1: think about it. But like, we don't have a mortgage 159 00:08:02,200 --> 00:08:04,440 Speaker 1: on either of the properties. So I'm like, oh man, 160 00:08:04,840 --> 00:08:07,080 Speaker 1: So I had to do some real adulting and like 161 00:08:07,120 --> 00:08:09,600 Speaker 1: add it to like my calendar so that way it 162 00:08:09,640 --> 00:08:12,560 Speaker 1: can send me a reminder because typically what they do 163 00:08:13,160 --> 00:08:15,560 Speaker 1: in newerkules I don't know other talents is they'll give 164 00:08:15,560 --> 00:08:18,560 Speaker 1: you the tax couponts for the year. But who's looking 165 00:08:18,600 --> 00:08:22,440 Speaker 1: at that, you know. So yeah, so I just went 166 00:08:22,480 --> 00:08:25,120 Speaker 1: in my calendar and it was like, okay, November, February, 167 00:08:25,200 --> 00:08:27,280 Speaker 1: whatever the other months are, and I put it as 168 00:08:27,320 --> 00:08:30,720 Speaker 1: a reminder. I gave myself the link because you also 169 00:08:30,800 --> 00:08:32,920 Speaker 1: have to know like your block a lot number, which 170 00:08:32,960 --> 00:08:35,120 Speaker 1: I guess is like where your property is actually located, 171 00:08:35,120 --> 00:08:36,640 Speaker 1: and your account number. So I did all of that 172 00:08:36,880 --> 00:08:39,040 Speaker 1: so as it pops up, I can be like taxes 173 00:08:39,040 --> 00:08:41,200 Speaker 1: are due. I did it like a few days before 174 00:08:41,200 --> 00:08:43,160 Speaker 1: they're actually due, so I have time to transfer money 175 00:08:43,200 --> 00:08:45,720 Speaker 1: if need be. But it was just like such an 176 00:08:45,720 --> 00:08:50,559 Speaker 1: adulting day, taxes voting. Oh my goodness, what next I'm 177 00:08:50,600 --> 00:08:57,400 Speaker 1: giving birth? I mean hopefully right, that is hopefully so. 178 00:08:57,480 --> 00:08:58,600 Speaker 2: Only it were that simple. 179 00:09:00,280 --> 00:09:02,000 Speaker 1: Well, one last, one quick thing. This is just a 180 00:09:02,000 --> 00:09:03,679 Speaker 1: little gig go because we all gotta have a kind 181 00:09:03,679 --> 00:09:05,720 Speaker 1: of like an abbreviated show. Did you see the young 182 00:09:05,760 --> 00:09:11,199 Speaker 1: woman all this was funny, the young woman who created 183 00:09:11,360 --> 00:09:16,120 Speaker 1: uh pretend go fund me. She was a black college student. 184 00:09:16,600 --> 00:09:19,200 Speaker 1: She made one hundred and fifty thousand dollars because she 185 00:09:19,280 --> 00:09:26,960 Speaker 1: wore the red uh you know, Magna had said like mega, yeah, 186 00:09:27,120 --> 00:09:30,400 Speaker 1: uh huh. And so she said, I can't pay for school, 187 00:09:30,679 --> 00:09:32,559 Speaker 1: and you know I can't. I can't hide it anymore. 188 00:09:34,360 --> 00:09:36,760 Speaker 1: I you know, I have to just I just have 189 00:09:36,800 --> 00:09:39,720 Speaker 1: to say. She said, Oh, her name is a reformed Republican. 190 00:09:40,120 --> 00:09:42,440 Speaker 1: This is on Twitter. I will not hide any longer. 191 00:09:42,960 --> 00:09:45,440 Speaker 1: The left has made us feel like if us black 192 00:09:45,440 --> 00:09:48,320 Speaker 1: Republicans like as if US black or publishers should hide, 193 00:09:48,480 --> 00:09:52,440 Speaker 1: but not anymore. Blacks for Trump walk away. Maga and 194 00:09:52,480 --> 00:09:55,440 Speaker 1: then she was like, you know, my parents, thank you 195 00:09:55,440 --> 00:09:57,520 Speaker 1: so much for your overwhelming support. After seeing my tweet, 196 00:09:57,679 --> 00:09:59,520 Speaker 1: my parents cut me off and refuse to pay for 197 00:09:59,559 --> 00:10:01,720 Speaker 1: my universe situition. So if you could find in your 198 00:10:01,720 --> 00:10:04,360 Speaker 1: hearts to help this young black Republican pay for school 199 00:10:04,360 --> 00:10:08,160 Speaker 1: would be appreciated. She started a GoFundMe. This girl raised 200 00:10:08,160 --> 00:10:09,880 Speaker 1: one hundred and fifty thousand dollars and it was like 201 00:10:09,960 --> 00:10:15,200 Speaker 1: psych Then she got a little freaked out because I 202 00:10:15,200 --> 00:10:19,920 Speaker 1: think people were like, you know what, So she actually decided, like, 203 00:10:19,960 --> 00:10:23,920 Speaker 1: you know what she gave, you know, that was a lot. 204 00:10:24,000 --> 00:10:28,679 Speaker 1: She even posted fake fake text and so and what now, 205 00:10:28,679 --> 00:10:29,599 Speaker 1: where is the money gonna go? 206 00:10:29,679 --> 00:10:30,680 Speaker 2: Is she gonna donate it to? 207 00:10:31,600 --> 00:10:34,400 Speaker 1: I don't know, something, I don't know, she said, I 208 00:10:34,440 --> 00:10:37,839 Speaker 1: don't know. So this is, oh my god, some of 209 00:10:37,840 --> 00:10:39,839 Speaker 1: the stuff she said, it's crazy. She said Trump is 210 00:10:39,840 --> 00:10:42,960 Speaker 1: a racist, homophobic, transphobic, a big and you think my 211 00:10:43,040 --> 00:10:46,840 Speaker 1: black ass would support that rotten carrot ridiculous. Any black 212 00:10:46,880 --> 00:10:49,400 Speaker 1: person can put on an ugly hat and say maga, 213 00:10:49,920 --> 00:10:51,840 Speaker 1: and y'all will instantly up and theigh behind because you 214 00:10:51,840 --> 00:10:53,840 Speaker 1: want to prove so hard that you're not racist. And 215 00:10:53,880 --> 00:10:56,440 Speaker 1: she was like so yeah, so she I don't know 216 00:10:56,440 --> 00:10:58,320 Speaker 1: how much of the money she's keeping, but I'm like, girl, 217 00:10:58,520 --> 00:10:59,960 Speaker 1: someone will scam of the century. 218 00:11:01,440 --> 00:11:03,720 Speaker 2: But she's not wrong, Like, come on, she's like every 219 00:11:04,000 --> 00:11:06,679 Speaker 2: white Republicans black. They want to make her their black friend. 220 00:11:06,920 --> 00:11:09,000 Speaker 1: They do. And I was just like wow, and I 221 00:11:09,120 --> 00:11:12,800 Speaker 1: was I just thought that that was hilarious. And I 222 00:11:12,840 --> 00:11:15,360 Speaker 1: think that I think she said she was gonna give 223 00:11:15,400 --> 00:11:19,839 Speaker 1: back the money. Meanwhile, she said she refunded most of 224 00:11:19,880 --> 00:11:23,000 Speaker 1: the donation. No, I don't think she will funded all them. Yeah, 225 00:11:23,040 --> 00:11:25,400 Speaker 1: so I think that I just thought that that was hilarious, 226 00:11:25,440 --> 00:11:27,840 Speaker 1: that how quickly people will jump on and give money 227 00:11:27,840 --> 00:11:31,720 Speaker 1: to a stranger if it supports their racist agenda. And yeah, 228 00:11:31,840 --> 00:11:33,319 Speaker 1: good for you. You know, I hope you're one of the 229 00:11:33,320 --> 00:11:38,000 Speaker 1: people that she got. That's a little I little giggle 230 00:11:38,040 --> 00:11:39,800 Speaker 1: for the night, little giggle. Thanks for that. 231 00:11:40,679 --> 00:11:42,600 Speaker 2: Let's take a quick break and hear from one of 232 00:11:42,600 --> 00:11:48,000 Speaker 2: our sponsors. Okay, it's time for Brown Bruce Brown break. 233 00:11:48,559 --> 00:11:52,080 Speaker 1: Hopefully, by the time you hear this, the elections, we 234 00:11:52,160 --> 00:11:54,920 Speaker 1: will be celebrating and we'll be all giddy and you'll 235 00:11:54,920 --> 00:11:57,520 Speaker 1: be listening to this like yes, good things, good things, 236 00:11:57,520 --> 00:12:00,719 Speaker 1: good things, and even if every one we wanted to 237 00:12:00,760 --> 00:12:04,880 Speaker 1: win did not win. Still, you know, your vote really matters. 238 00:12:04,880 --> 00:12:06,880 Speaker 1: And I saw a really great quote that it said, 239 00:12:06,880 --> 00:12:09,120 Speaker 1: if your vote didn't matter, they wouldn't they wouldn't try 240 00:12:09,160 --> 00:12:10,240 Speaker 1: so hard to suppress it. 241 00:12:10,480 --> 00:12:14,079 Speaker 2: So just remember that, Yes, is that your boost? 242 00:12:15,120 --> 00:12:15,719 Speaker 1: Yeah? I guess so. 243 00:12:15,960 --> 00:12:17,920 Speaker 2: But okay, I'll give you. I mean, I'll let you 244 00:12:17,960 --> 00:12:22,640 Speaker 2: get an easy one. I have a slightly off topic boost. 245 00:12:22,800 --> 00:12:24,480 Speaker 2: I wanted to well this is actually a break. I'm 246 00:12:24,480 --> 00:12:25,920 Speaker 2: gonna break, but I'll do a little boost just to 247 00:12:25,960 --> 00:12:27,800 Speaker 2: end on a high note. So, first of all, I 248 00:12:28,080 --> 00:12:30,640 Speaker 2: came across this survey recently and I just had to 249 00:12:30,679 --> 00:12:34,440 Speaker 2: mention it. So it's a survey by AARP. And what 250 00:12:34,559 --> 00:12:36,440 Speaker 2: reminded me of this is my my one of my 251 00:12:36,520 --> 00:12:38,719 Speaker 2: cousins just sent me a Facebook invite for like her 252 00:12:38,760 --> 00:12:41,360 Speaker 2: Pampered Chef you know group on Facebook. And I was like, 253 00:12:41,400 --> 00:12:44,360 Speaker 2: oh god, not another one. And like another cousin is 254 00:12:44,400 --> 00:12:45,719 Speaker 2: doing like Lulu what is it? 255 00:12:45,800 --> 00:12:46,360 Speaker 1: Lula row? 256 00:12:46,960 --> 00:12:48,600 Speaker 2: And then I got the one cousin who was selling 257 00:12:48,640 --> 00:12:51,920 Speaker 2: like tea, you know, like the make you lose weight tea, 258 00:12:51,960 --> 00:12:54,520 Speaker 2: and I'm like, oh my god, multi level marketing people, 259 00:12:54,640 --> 00:12:57,040 Speaker 2: like they're just they drive me crazy, and I just 260 00:12:57,040 --> 00:12:59,920 Speaker 2: think that, you know, I have a I'm pretty I'm 261 00:13:00,000 --> 00:13:02,400 Speaker 2: it's pretty adamant that in my mind, at least just 262 00:13:02,440 --> 00:13:04,839 Speaker 2: from experience or talking to people, that a lot of 263 00:13:04,920 --> 00:13:08,800 Speaker 2: multi level marketing organizations, you know, where you take a oh, 264 00:13:08,920 --> 00:13:11,200 Speaker 2: I became a Lula Roe seller and I made five 265 00:13:11,200 --> 00:13:13,000 Speaker 2: thousand dollars. So I'll teach you how to be one, 266 00:13:13,040 --> 00:13:15,040 Speaker 2: and here by all this inventory and then you sell 267 00:13:15,080 --> 00:13:17,559 Speaker 2: it and you can make a bunch of money. Pyramid 268 00:13:17,640 --> 00:13:20,240 Speaker 2: schemes is another way that they've been, you know, another 269 00:13:20,320 --> 00:13:24,920 Speaker 2: term for these MLM organizations. They're just really not the 270 00:13:24,960 --> 00:13:27,040 Speaker 2: best deal for the people at the bottom of the pyramid. 271 00:13:27,120 --> 00:13:30,080 Speaker 2: That's the whole point. And now there's a little bit 272 00:13:30,080 --> 00:13:33,600 Speaker 2: of proof. So AARP put out a survey and found 273 00:13:33,600 --> 00:13:37,440 Speaker 2: that among twenty million Americans who participate or who have 274 00:13:37,640 --> 00:13:42,080 Speaker 2: participated in multi level marketing organizations, ninety percent said they 275 00:13:42,080 --> 00:13:47,080 Speaker 2: got involved to make money. Obviously, However, nearly half lost 276 00:13:47,120 --> 00:13:51,880 Speaker 2: money and one quarter made no money at all, no 277 00:13:52,280 --> 00:13:56,080 Speaker 2: money at all, which is sad. I mean, this is 278 00:13:56,120 --> 00:13:59,959 Speaker 2: a multi billion dollar industry in it and I'm especially 279 00:14:00,040 --> 00:14:03,960 Speaker 2: talking to our listeners because I feel like a lot 280 00:14:04,000 --> 00:14:05,760 Speaker 2: of The people that are targeted for these type of 281 00:14:05,840 --> 00:14:10,320 Speaker 2: organizations are often women and often minority women, and it 282 00:14:10,360 --> 00:14:12,719 Speaker 2: can really you can negatively impact I feel like it's 283 00:14:12,720 --> 00:14:15,880 Speaker 2: negatively impacting minority women in this country because they're being 284 00:14:15,920 --> 00:14:18,360 Speaker 2: sold a bill of goods to sign up for these, 285 00:14:18,440 --> 00:14:21,040 Speaker 2: you know, different organizations and sell this or sell that, 286 00:14:21,400 --> 00:14:24,560 Speaker 2: and they're not actually reaping any rewards from them. 287 00:14:25,960 --> 00:14:28,120 Speaker 1: You just have to be so careful. I feel like 288 00:14:28,160 --> 00:14:33,800 Speaker 1: people always target you know, this population of folks. I mean, 289 00:14:33,840 --> 00:14:35,600 Speaker 1: have you have you heard the other one too, where 290 00:14:35,600 --> 00:14:40,280 Speaker 1: it's like those sweep steaks. You know those sweepstakes, No, 291 00:14:40,440 --> 00:14:42,800 Speaker 1: which one the ones where they come to your house 292 00:14:42,840 --> 00:14:44,320 Speaker 1: with the big clearing house swepstakes. 293 00:14:44,640 --> 00:14:46,200 Speaker 2: Oh yeah, publish the calearing house. 294 00:14:46,240 --> 00:14:49,120 Speaker 1: That's probably yeah, forever. Yeah. And so you know, so 295 00:14:49,160 --> 00:14:51,160 Speaker 1: there's like this scam that was going on, but it 296 00:14:51,200 --> 00:14:54,280 Speaker 1: targets These type of things typically target the older population. 297 00:14:54,840 --> 00:14:56,320 Speaker 1: And so if you've got older people in your life, 298 00:14:56,360 --> 00:14:58,920 Speaker 1: really checking in on them, because it's very easy for 299 00:14:59,040 --> 00:15:02,320 Speaker 1: people to get over because you know, you get to 300 00:15:02,320 --> 00:15:03,840 Speaker 1: a certain age, I feel like you're maybe a little 301 00:15:03,840 --> 00:15:06,360 Speaker 1: bit more trusting, a little bit more open, I don't know. 302 00:15:06,840 --> 00:15:09,880 Speaker 1: So this is terrible honestly. So what's the high note, Maandra? 303 00:15:10,400 --> 00:15:12,880 Speaker 2: Well, first, Tming, Well, before I get to the high note, 304 00:15:12,880 --> 00:15:14,920 Speaker 2: I will say, I know this is a very hot topic. 305 00:15:14,960 --> 00:15:17,320 Speaker 2: I'm sure we'll get some emails who were mad at 306 00:15:17,360 --> 00:15:20,960 Speaker 2: me for mentioning MLMs. But listen the proofs in the pudding. Okay, 307 00:15:21,240 --> 00:15:24,400 Speaker 2: less than half of people according to the survey, or 308 00:15:24,480 --> 00:15:27,480 Speaker 2: not nearly half of people according to the survey, lost money, 309 00:15:27,520 --> 00:15:30,720 Speaker 2: and one quarter made no money. So before you sign 310 00:15:30,800 --> 00:15:33,880 Speaker 2: up for your BFFs or your aunts, you know, to 311 00:15:33,960 --> 00:15:36,880 Speaker 2: sell this or sell that, just actually look at the 312 00:15:36,920 --> 00:15:40,680 Speaker 2: math and see if you really will make any wealth 313 00:15:40,720 --> 00:15:42,720 Speaker 2: from that type of organization. 314 00:15:42,760 --> 00:15:45,840 Speaker 1: I'm not gonna lie. I'm I'm unabashedly anti MLM. I 315 00:15:46,560 --> 00:15:48,880 Speaker 1: don't care if people like will be like, oh but Tiffany, like, 316 00:15:49,280 --> 00:15:52,560 Speaker 1: I get it, that avon and what is the other 317 00:15:52,600 --> 00:15:54,360 Speaker 1: one that actually is like a kind of like real 318 00:15:55,960 --> 00:15:59,160 Speaker 1: Mary Kay, I get it, But you know what the 319 00:15:59,240 --> 00:16:01,600 Speaker 1: fact is, if you're not most people are the level 320 00:16:01,600 --> 00:16:04,520 Speaker 1: of work required. Most people don't have the time or 321 00:16:04,680 --> 00:16:07,560 Speaker 1: the inclination. So even if it's actually like a real company, 322 00:16:07,600 --> 00:16:09,520 Speaker 1: which most are not real. I mean they might rea 323 00:16:09,600 --> 00:16:13,320 Speaker 1: real companies on paper, but like not real company and actuality. 324 00:16:14,640 --> 00:16:18,640 Speaker 1: Most people don't have the you know, it takes a 325 00:16:18,640 --> 00:16:20,160 Speaker 1: lot of selling. You have to really have a certain 326 00:16:20,160 --> 00:16:22,120 Speaker 1: personality for it. So most people are just not built 327 00:16:22,160 --> 00:16:24,360 Speaker 1: for it. I know, I'm not not for that, not 328 00:16:24,440 --> 00:16:27,400 Speaker 1: for someone else's company. So it's usually just not a 329 00:16:27,440 --> 00:16:30,400 Speaker 1: good thing unless for it's almost like one of those 330 00:16:30,400 --> 00:16:34,440 Speaker 1: things called when you go on that little cheap vacation 331 00:16:34,920 --> 00:16:37,920 Speaker 1: and then they try to sell you. What are those 332 00:16:38,800 --> 00:16:41,880 Speaker 1: time shares? Time share? Time shares work out for like 333 00:16:41,920 --> 00:16:44,200 Speaker 1: two percent of people who buy them. Yep, you know, 334 00:16:44,440 --> 00:16:48,520 Speaker 1: like so is a timeshare completely like nobody share buy 335 00:16:48,560 --> 00:16:50,800 Speaker 1: time share? No. I've literally met a handful of people 336 00:16:50,840 --> 00:16:54,400 Speaker 1: where worked out amazingly, But for ninety eight point nine 337 00:16:54,520 --> 00:16:56,840 Speaker 1: nine percent of the people, timeshare has a terrible idea. 338 00:16:57,280 --> 00:16:59,520 Speaker 1: So I'm gonna make a blanket statement and say, don't 339 00:16:59,520 --> 00:17:02,400 Speaker 1: do a time don't do it MLM because for most 340 00:17:02,440 --> 00:17:04,840 Speaker 1: people it just doesn't work out. And if you're one 341 00:17:04,880 --> 00:17:07,520 Speaker 1: of the one to two percent that it works out, great, 342 00:17:07,760 --> 00:17:09,800 Speaker 1: You're at the top of the pyramid. You made your 343 00:17:09,840 --> 00:17:12,080 Speaker 1: million while everybody else has suffered. 344 00:17:12,840 --> 00:17:15,600 Speaker 2: You suck boo. 345 00:17:17,320 --> 00:17:17,600 Speaker 1: Petty. 346 00:17:18,200 --> 00:17:20,879 Speaker 2: Okay, that was that was my break and I, and 347 00:17:21,000 --> 00:17:22,680 Speaker 2: I'm interested to see what you guys have to say 348 00:17:22,680 --> 00:17:25,040 Speaker 2: about MLM, So send us an email at Brand Ambition 349 00:17:25,119 --> 00:17:28,359 Speaker 2: podcast at gmail dot com, or hit us up on 350 00:17:28,400 --> 00:17:31,200 Speaker 2: Twitter at the BA Podcast. You can instagram us at 351 00:17:31,240 --> 00:17:35,080 Speaker 2: Brand Ambition Podcasts. We are everywhere. If you can't find us, 352 00:17:35,080 --> 00:17:38,560 Speaker 2: it's your problem. 353 00:17:37,040 --> 00:17:37,400 Speaker 1: All right. 354 00:17:37,440 --> 00:17:40,240 Speaker 2: So my high note, I almost I caught myself from 355 00:17:40,240 --> 00:17:43,240 Speaker 2: doing my boost during the previous question that we answered 356 00:17:43,280 --> 00:17:45,480 Speaker 2: about credit cards, but I did want to give a 357 00:17:45,520 --> 00:17:48,800 Speaker 2: boost to the little workhorse that is a City Double 358 00:17:48,840 --> 00:17:51,879 Speaker 2: Cash card because it has been so clutch for us. 359 00:17:51,920 --> 00:17:53,800 Speaker 2: I don't know if well you guys are just starting 360 00:17:53,800 --> 00:17:56,520 Speaker 2: your renovation, but especially for all the little things that 361 00:17:56,520 --> 00:17:59,240 Speaker 2: we've purchased for the house. Like I said, there's no 362 00:17:59,440 --> 00:18:02,560 Speaker 2: like reward. There aren't very good home improvement rewards cards 363 00:18:02,560 --> 00:18:04,439 Speaker 2: like you can get a Home Depot card or a 364 00:18:04,440 --> 00:18:06,520 Speaker 2: Low's card, but they don't have the best benefit, and 365 00:18:06,560 --> 00:18:08,679 Speaker 2: then you don't get any rewards if you don't shop 366 00:18:08,960 --> 00:18:12,040 Speaker 2: outside of those stores. So we've been using City Double 367 00:18:12,080 --> 00:18:15,280 Speaker 2: Cash to get two percent cash back on all purchases 368 00:18:15,320 --> 00:18:17,600 Speaker 2: you use the card for, and we've made I was 369 00:18:17,640 --> 00:18:19,520 Speaker 2: just looking at my statement. I think we've made close 370 00:18:19,560 --> 00:18:22,199 Speaker 2: to eight hundred dollars cash back in just the last 371 00:18:23,000 --> 00:18:25,840 Speaker 2: few months. And it's not the only reason that this 372 00:18:25,920 --> 00:18:28,200 Speaker 2: card is awesome. And it sounds like I'm doing an ad, 373 00:18:28,240 --> 00:18:30,119 Speaker 2: but I promise this is I'm not endorsing them. We 374 00:18:30,160 --> 00:18:31,840 Speaker 2: don't get paid by them. It's just a cool car 375 00:18:31,920 --> 00:18:35,000 Speaker 2: that I like. They also have this feature called City 376 00:18:35,040 --> 00:18:38,280 Speaker 2: Price Rewind, which have you ever used this card or 377 00:18:38,280 --> 00:18:43,080 Speaker 2: this benefit City Price It is so clutch. So my 378 00:18:43,160 --> 00:18:46,159 Speaker 2: husband has become this amazing deal hound for you know, 379 00:18:46,440 --> 00:18:48,760 Speaker 2: me buying an oven, or a washer, or a dryer, 380 00:18:49,359 --> 00:18:52,040 Speaker 2: or even the toilets or smoke detectors or what are 381 00:18:52,040 --> 00:18:54,679 Speaker 2: these little things that you buy and City Price re 382 00:18:54,760 --> 00:18:56,680 Speaker 2: one if you buy it with your City Card if 383 00:18:56,680 --> 00:18:59,240 Speaker 2: the price drops, I think it's I forget what the 384 00:18:59,240 --> 00:19:01,240 Speaker 2: time period is, but it's a good amount of time 385 00:19:01,600 --> 00:19:04,080 Speaker 2: in the future. They will actually they will actually find 386 00:19:04,080 --> 00:19:05,840 Speaker 2: if a price drops, and if it does, they will 387 00:19:05,840 --> 00:19:07,000 Speaker 2: refund you the money. 388 00:19:07,200 --> 00:19:08,720 Speaker 1: So we have saved I need to. 389 00:19:08,640 --> 00:19:10,800 Speaker 2: Add it up, but I know we've saved about five 390 00:19:10,880 --> 00:19:14,200 Speaker 2: hundred dollars or more, excuse me, from the price of 391 00:19:14,240 --> 00:19:17,560 Speaker 2: our washer. Dryer dropped a couple hundred dollars at best 392 00:19:17,600 --> 00:19:19,960 Speaker 2: Buy and you don't have to do anything like it 393 00:19:20,119 --> 00:19:22,080 Speaker 2: just does the work for you. And then you get 394 00:19:22,080 --> 00:19:22,560 Speaker 2: an email. 395 00:19:23,040 --> 00:19:24,600 Speaker 1: Yeah, but it's it called again, I'm gonna apply. 396 00:19:25,119 --> 00:19:28,000 Speaker 2: So it's the City I don't it's a City Price Sorry, 397 00:19:28,000 --> 00:19:30,359 Speaker 2: it's a City Double Cash card and the future is 398 00:19:30,400 --> 00:19:34,200 Speaker 2: called City Price Rewind and they may offer that benefit 399 00:19:34,280 --> 00:19:37,399 Speaker 2: for other city cards. I'm not entirely sure, but definitely 400 00:19:37,440 --> 00:19:39,919 Speaker 2: on the City Double Cash Card they do. And it 401 00:19:39,960 --> 00:19:41,360 Speaker 2: has been awesome. 402 00:19:42,520 --> 00:19:45,439 Speaker 1: No, because I remember I signed up for the you 403 00:19:45,480 --> 00:19:49,480 Speaker 1: know Chase what is it really really called the Chase, 404 00:19:49,480 --> 00:19:51,080 Speaker 1: the one where like one hundred thousand points? Oh? 405 00:19:51,160 --> 00:19:53,119 Speaker 2: Yeah, the Chase Sapphire Reserve. 406 00:19:53,800 --> 00:19:56,520 Speaker 1: Yeah, so I signed up for the Chase Sapphire. Ooh 407 00:19:56,600 --> 00:19:58,960 Speaker 1: you know what? I think I told Genie by the 408 00:19:58,960 --> 00:20:01,080 Speaker 1: wrong thing. Oh well, anyway, because I was all on 409 00:20:01,119 --> 00:20:02,840 Speaker 1: the real she was asking me like, what card do 410 00:20:02,880 --> 00:20:04,080 Speaker 1: you have? You know me? I'm like, why are you 411 00:20:04,119 --> 00:20:06,320 Speaker 1: asking me questions that I have to remember things? I 412 00:20:06,400 --> 00:20:08,600 Speaker 1: was like the Venture. She said, you like that better 413 00:20:08,640 --> 00:20:10,240 Speaker 1: than the Reserve. I was like, yeah, girl, of me, 414 00:20:10,359 --> 00:20:13,680 Speaker 1: while I don't have the Venture anyway, she should be fine. 415 00:20:13,720 --> 00:20:15,600 Speaker 1: I shouldn't be your Jesus of credit card. 416 00:20:15,680 --> 00:20:20,480 Speaker 2: She's not called the credit card needs to you guys. 417 00:20:19,400 --> 00:20:21,560 Speaker 1: But it wasn't online. It was just like her personally. 418 00:20:22,560 --> 00:20:25,879 Speaker 1: But anyway, I got that card, and I Superman was 419 00:20:25,960 --> 00:20:28,480 Speaker 1: just saying, we need to get because we're starting to 420 00:20:28,480 --> 00:20:30,280 Speaker 1: get into the like right now, the thing that the 421 00:20:30,280 --> 00:20:33,000 Speaker 1: contractor is doing. We haven't had to buy anything yet, 422 00:20:34,160 --> 00:20:36,560 Speaker 1: so but you know, we're getting into the stage where 423 00:20:36,560 --> 00:20:38,679 Speaker 1: we're gonna like, we have to buy a tub and 424 00:20:38,720 --> 00:20:42,080 Speaker 1: we have to start getting tile, and so I think 425 00:20:42,200 --> 00:20:44,840 Speaker 1: it's time for us. So Superman wanted to get a 426 00:20:44,880 --> 00:20:46,960 Speaker 1: home Depot card, but I think I like this better 427 00:20:47,000 --> 00:20:51,320 Speaker 1: because we're not just getting things from Home Depot. So hmmm, 428 00:20:51,600 --> 00:20:53,800 Speaker 1: City double cash card. He's gonna be so pissed when 429 00:20:53,800 --> 00:20:57,000 Speaker 1: I some Mandy suggested. He's gonna be like I suggested 430 00:20:57,119 --> 00:20:59,000 Speaker 1: we get a card of like I know, but the 431 00:20:59,080 --> 00:21:02,880 Speaker 1: wrong one, you know how like I always follow advice 432 00:21:03,040 --> 00:21:06,359 Speaker 1: from other people, sometimes more than you know the source. Eventually, 433 00:21:07,040 --> 00:21:09,240 Speaker 1: and yeah. 434 00:21:08,600 --> 00:21:11,480 Speaker 2: That's okay, don't tell him, I said it. Just just 435 00:21:11,520 --> 00:21:13,399 Speaker 2: be like, oh, remember when you said that's a really 436 00:21:13,440 --> 00:21:14,240 Speaker 2: smart thing. 437 00:21:15,480 --> 00:21:17,000 Speaker 1: And I'm learning, right, I'm gonna be like, you know what, 438 00:21:17,320 --> 00:21:19,320 Speaker 1: you were totally right. So I started to look into cards, 439 00:21:19,480 --> 00:21:20,800 Speaker 1: and I said, well, what set up that looks you 440 00:21:20,920 --> 00:21:24,359 Speaker 1: get this. You're just so smart. That's exactly what I'll do. 441 00:21:24,560 --> 00:21:28,159 Speaker 1: See look at us wiping one on one. 442 00:21:27,720 --> 00:21:29,520 Speaker 2: And I will note. Because we know that the Chase 443 00:21:29,560 --> 00:21:31,920 Speaker 2: out Fire Reserve has a high annual fee four hundred 444 00:21:31,920 --> 00:21:34,119 Speaker 2: and fifty dollars to say double cash. What makes it 445 00:21:34,119 --> 00:21:36,640 Speaker 2: even better is that there's no annual fee and there's 446 00:21:36,680 --> 00:21:39,520 Speaker 2: no foreign transaction fee either. So if you need if 447 00:21:39,520 --> 00:21:41,760 Speaker 2: you're looking for a no annual fee travel card, I 448 00:21:41,760 --> 00:21:44,480 Speaker 2: mean it has. It's just a great all around card. 449 00:21:44,560 --> 00:21:48,240 Speaker 2: There's even I think an intro balance transfer offer. It's 450 00:21:48,280 --> 00:21:50,080 Speaker 2: pretty dope. I don't know what took me so long 451 00:21:50,080 --> 00:21:52,360 Speaker 2: to sign up for this card, but I love it, 452 00:21:52,880 --> 00:21:55,960 Speaker 2: love it, love it, and that is my boost. 453 00:21:56,400 --> 00:21:56,800 Speaker 1: Okay. 454 00:21:57,560 --> 00:21:59,400 Speaker 2: I carry the way that that Brown Boost Brown Break 455 00:21:59,440 --> 00:22:01,440 Speaker 2: today you did. 456 00:22:02,600 --> 00:22:03,480 Speaker 1: That was that was the. 457 00:22:19,080 --> 00:22:21,919 Speaker 2: Let's get let's get into this this email inbox and 458 00:22:21,960 --> 00:22:25,520 Speaker 2: answer some questions. How about that? Okay? So you guys 459 00:22:25,560 --> 00:22:30,320 Speaker 2: know you can hit us up at Brandambisson podcast dot com. Okay, 460 00:22:30,760 --> 00:22:34,639 Speaker 2: and uh I left it. I'm like opening, like the 461 00:22:34,720 --> 00:22:38,080 Speaker 2: goalpost is open. All they gotta do is bring it 462 00:22:38,160 --> 00:22:42,320 Speaker 2: home to brandibision podcast dot. 463 00:22:42,200 --> 00:22:44,400 Speaker 1: Com dot com. 464 00:22:44,440 --> 00:22:47,680 Speaker 2: Got it and ask us anything on the website, where 465 00:22:47,680 --> 00:22:50,800 Speaker 2: you can email us directly at brandibision podcast at gmail 466 00:22:50,800 --> 00:22:54,800 Speaker 2: dot com with your questions. Yeah, we have a couple 467 00:22:54,800 --> 00:22:57,960 Speaker 2: of awesome questions for today. What should we start with? Okay, 468 00:22:57,960 --> 00:23:01,639 Speaker 2: so this one, this law school unit. I think I 469 00:23:01,720 --> 00:23:03,439 Speaker 2: like her questions, so we'll start with her. She as 470 00:23:04,280 --> 00:23:09,000 Speaker 2: remain anonymous. Her question is a cry for help. She says, Hello, 471 00:23:09,080 --> 00:23:11,919 Speaker 2: I'm a first year law student at a prestigious law school. 472 00:23:12,160 --> 00:23:14,560 Speaker 2: I'm twenty two years old and we'll be approaching twenty 473 00:23:14,600 --> 00:23:18,560 Speaker 2: five when I graduate. I currently have eleven thousand dollars 474 00:23:18,600 --> 00:23:21,439 Speaker 2: in student loan debt from my undergrad but I'm on 475 00:23:21,560 --> 00:23:24,159 Speaker 2: track to have one hundred and fifty thousand dollars in 476 00:23:24,240 --> 00:23:27,800 Speaker 2: debt from law school. I'd like to know what I 477 00:23:27,840 --> 00:23:30,800 Speaker 2: can do to become more knowledgeable about finances so I 478 00:23:30,840 --> 00:23:34,280 Speaker 2: can make the best financial decisions in law school and after. 479 00:23:34,600 --> 00:23:37,520 Speaker 2: My goal is to be debt free by thirty and 480 00:23:37,600 --> 00:23:40,760 Speaker 2: my credit score is currently seven hundred and thirty. 481 00:23:42,359 --> 00:23:46,400 Speaker 1: Help. So how much does she currently have or he 482 00:23:46,480 --> 00:23:46,919 Speaker 1: currently have? 483 00:23:47,080 --> 00:23:49,760 Speaker 2: He only has eleven thousand dollars in debt right now 484 00:23:49,840 --> 00:23:52,960 Speaker 2: from undergrad but she's on track to have so over 485 00:23:53,000 --> 00:23:56,320 Speaker 2: three years, it's not unusual. Actually, three years of law school, 486 00:23:56,400 --> 00:24:00,240 Speaker 2: she'll have one hundred and fifty thousand dollars in debt, 487 00:24:00,280 --> 00:24:03,280 Speaker 2: which a lot of it like many law school students. 488 00:24:03,320 --> 00:24:04,879 Speaker 2: She doesn't say, but I'm assuming a lot of that 489 00:24:05,000 --> 00:24:07,240 Speaker 2: is going to be private school debt, because well, I 490 00:24:07,240 --> 00:24:09,800 Speaker 2: think you max out a certain level of federal student 491 00:24:09,840 --> 00:24:11,639 Speaker 2: loans you can take. Or maybe I'm wrong, but it 492 00:24:11,680 --> 00:24:15,320 Speaker 2: could be federal or private. But one hundred and fifty k. 493 00:24:17,200 --> 00:24:19,480 Speaker 2: So let's talk about her options, because she's nos she's 494 00:24:19,520 --> 00:24:21,439 Speaker 2: graduating with this debt. She wants to get ahead of it. 495 00:24:22,960 --> 00:24:25,600 Speaker 1: Honestly, I would put a lot of work and I 496 00:24:25,640 --> 00:24:27,520 Speaker 1: didn't do this, and I'm kind of disappointed because I'm 497 00:24:27,520 --> 00:24:32,159 Speaker 1: sure I could have gotten least some assistance. I would put, like, 498 00:24:32,440 --> 00:24:34,320 Speaker 1: I'm assuming you're not in law school yet, so whatever 499 00:24:34,440 --> 00:24:36,400 Speaker 1: that kind of six months a year breakup. I guess 500 00:24:36,440 --> 00:24:38,879 Speaker 1: I don't know from when you graduate UNDERGRADU to when 501 00:24:38,920 --> 00:24:40,359 Speaker 1: you enter law school she is. 502 00:24:40,760 --> 00:24:43,399 Speaker 2: She says, I'm a first year law school student. Sounds 503 00:24:43,440 --> 00:24:44,600 Speaker 2: like she's already in school. 504 00:24:44,680 --> 00:24:47,840 Speaker 1: Yeah, okay, because honestly, one of the regrets that I 505 00:24:47,880 --> 00:24:50,600 Speaker 1: made when I went when I got my master's degree 506 00:24:50,640 --> 00:24:52,720 Speaker 1: is that I didn't put hardly any effort into looking 507 00:24:52,760 --> 00:24:57,560 Speaker 1: for like scholarships and assistants, you know, And even if 508 00:24:57,600 --> 00:25:00,919 Speaker 1: it was ten thousand dollars, like over time of the 509 00:25:01,000 --> 00:25:03,480 Speaker 1: interest that that ten thousand dollars recruit and what I 510 00:25:03,480 --> 00:25:06,760 Speaker 1: owe now, it would have saved me a lot of money. 511 00:25:07,640 --> 00:25:10,320 Speaker 1: So it's not too late, obviously, but I you know, 512 00:25:10,400 --> 00:25:13,240 Speaker 1: I would set aside some time to look to see 513 00:25:13,600 --> 00:25:16,720 Speaker 1: what kind of assistance you can possibly drum up. Because 514 00:25:17,480 --> 00:25:20,480 Speaker 1: student loan forgives they've already changed. I was reading an article, 515 00:25:20,600 --> 00:25:23,399 Speaker 1: but forgiveness is not the same. Like, you know, the 516 00:25:23,400 --> 00:25:27,879 Speaker 1: President had been threatening to dismantle student loan forgiveness at 517 00:25:27,960 --> 00:25:29,920 Speaker 1: least as we know it, and for the most part 518 00:25:29,960 --> 00:25:34,920 Speaker 1: he has. So the the ability to get your loan 519 00:25:35,000 --> 00:25:37,320 Speaker 1: forgiven is not the You just don't have the same 520 00:25:37,359 --> 00:25:41,320 Speaker 1: opportunity to do so. And I just I mean, one 521 00:25:41,320 --> 00:25:44,920 Speaker 1: of my mentees is as a law a lawyer now. 522 00:25:45,160 --> 00:25:48,879 Speaker 1: But I remember when she first graduated, her her loan payment, 523 00:25:48,920 --> 00:25:51,959 Speaker 1: Mandy was like nine hundred dollars a month, and I 524 00:25:52,000 --> 00:25:56,800 Speaker 1: was like, wait, I've heard worse I've heard I don't 525 00:25:56,840 --> 00:25:58,640 Speaker 1: even know what that means. She was like, so, I'm 526 00:25:58,640 --> 00:26:00,000 Speaker 1: never I'm just never gonna move out of my mind. 527 00:26:00,520 --> 00:26:02,520 Speaker 1: I'm just I'm just going to live here forever. And 528 00:26:02,560 --> 00:26:05,760 Speaker 1: thankfully she opened up her scope of where she could 529 00:26:05,760 --> 00:26:08,000 Speaker 1: work as she's from Jersey. She ended up finding a 530 00:26:08,080 --> 00:26:10,080 Speaker 1: job in Connecticut. I want to say that paid really, 531 00:26:10,080 --> 00:26:14,080 Speaker 1: really well. So one of the things I remember, she 532 00:26:14,240 --> 00:26:18,560 Speaker 1: wanted to get a really fancy apartment and I talked 533 00:26:18,560 --> 00:26:20,840 Speaker 1: her into not doing so. I think the apartment she 534 00:26:20,880 --> 00:26:23,199 Speaker 1: wanted to get was like twenty two or twenty three 535 00:26:23,280 --> 00:26:26,080 Speaker 1: hundred dollars a month, and I was like, mentee, I 536 00:26:26,119 --> 00:26:30,520 Speaker 1: hear you, but then you're just going to be beholden 537 00:26:30,520 --> 00:26:32,560 Speaker 1: to that apartment. So I was able to go online 538 00:26:33,280 --> 00:26:36,080 Speaker 1: and find like a less expensive apartment. I think we 539 00:26:36,119 --> 00:26:38,359 Speaker 1: found one for like seventeen hundred, but it was still 540 00:26:38,359 --> 00:26:40,119 Speaker 1: really nice. It was actually really close to where she 541 00:26:40,200 --> 00:26:44,399 Speaker 1: was working. So if you can't find assistance, like with 542 00:26:44,560 --> 00:26:48,440 Speaker 1: your actual loans, just making sure that you're making the 543 00:26:48,520 --> 00:26:51,159 Speaker 1: right choices with how you're spending the money. Cause I'm 544 00:26:51,160 --> 00:26:53,200 Speaker 1: assuming right in law school that some of that money 545 00:26:53,240 --> 00:26:57,040 Speaker 1: is used for like housing and all that kind of stuff. Correct, Oh, 546 00:26:57,119 --> 00:26:57,440 Speaker 1: I don't know. 547 00:26:57,480 --> 00:27:00,000 Speaker 2: I don't know what law school. No, I don't know, 548 00:27:00,000 --> 00:27:02,159 Speaker 2: so I'm assuming it's for tuition and room and board, 549 00:27:02,560 --> 00:27:06,040 Speaker 2: but I don't know for sure. I want to say, 550 00:27:06,080 --> 00:27:09,600 Speaker 2: with law school one, you're entering what I don't know 551 00:27:09,600 --> 00:27:11,320 Speaker 2: what your focus is going to be, but what could 552 00:27:11,400 --> 00:27:15,160 Speaker 2: potentially be a really high paying job. And the law 553 00:27:15,160 --> 00:27:17,080 Speaker 2: school grads that I know, A couple of my friends 554 00:27:17,119 --> 00:27:19,639 Speaker 2: in New York have managed to pay off their student 555 00:27:19,680 --> 00:27:22,000 Speaker 2: loan debt and it was six figures as well, within 556 00:27:22,040 --> 00:27:24,520 Speaker 2: a few years. Because with law schools private law firms, 557 00:27:24,560 --> 00:27:27,760 Speaker 2: you have the opportunity to make bonuses and really fat 558 00:27:28,920 --> 00:27:31,359 Speaker 2: signing bonuses even sometimes, and then you get like annual 559 00:27:31,400 --> 00:27:35,159 Speaker 2: bonuses that help pay off those student loans. So it's different, 560 00:27:35,200 --> 00:27:37,760 Speaker 2: you know, a law school grad versus like I don't 561 00:27:37,800 --> 00:27:40,439 Speaker 2: know a teacher with one hundred and fifty thousand dollars 562 00:27:40,840 --> 00:27:44,080 Speaker 2: you know, student loan debt, it's almost less scary. I mean, 563 00:27:44,119 --> 00:27:47,119 Speaker 2: it's still obviously a ton of debt, but because of 564 00:27:47,119 --> 00:27:49,800 Speaker 2: your profession, you may be set up to pay it 565 00:27:49,840 --> 00:27:52,359 Speaker 2: off a lot more quickly than other professions. And t 566 00:27:52,359 --> 00:27:55,680 Speaker 2: if you mentioned loan forgiveness, programs. There are a lot 567 00:27:55,680 --> 00:28:00,280 Speaker 2: of states offer loan assistance programs for lawyers, if you're 568 00:28:00,280 --> 00:28:02,760 Speaker 2: willing to like nurses or teachers, if you're willing to 569 00:28:02,800 --> 00:28:07,120 Speaker 2: work in certain areas, less desirable areas or areas where 570 00:28:07,119 --> 00:28:11,719 Speaker 2: there's higher poverty rates, they sometimes offer loan forgiveness through 571 00:28:11,760 --> 00:28:15,800 Speaker 2: those programs. And there's a website called the Equal Justice 572 00:28:15,840 --> 00:28:20,639 Speaker 2: Works Directory. I'm getting this information from our Magnified Money's 573 00:28:20,680 --> 00:28:23,880 Speaker 2: Guide to Loan Forgiveness where we break it down by profession. 574 00:28:23,960 --> 00:28:27,520 Speaker 2: So I'm happy to send this your way because there 575 00:28:27,520 --> 00:28:29,400 Speaker 2: are some state programs maybe you want to look into 576 00:28:29,440 --> 00:28:33,840 Speaker 2: for loan forgiveness and you can't, I know, if they're 577 00:28:33,880 --> 00:28:36,560 Speaker 2: private student loans and you have you graduate and they 578 00:28:36,560 --> 00:28:39,720 Speaker 2: have pretty high interest rates, you can look into refinancing 579 00:28:40,960 --> 00:28:43,120 Speaker 2: your student loans to get a lower interest rate, especially 580 00:28:43,120 --> 00:28:45,040 Speaker 2: if your credit score, like you said, is seven thirty. 581 00:28:45,480 --> 00:28:47,880 Speaker 2: That's awesome, and you may be able to refinance and 582 00:28:47,920 --> 00:28:51,120 Speaker 2: get a lower rate after you get out of school 583 00:28:51,160 --> 00:28:53,000 Speaker 2: and stay on top of those. 584 00:28:53,960 --> 00:28:57,080 Speaker 1: Yeah, I mean it's hard. I mean because luckily you're 585 00:28:57,080 --> 00:28:59,040 Speaker 1: in a profession that does tend to pay, you know, 586 00:28:59,200 --> 00:29:03,080 Speaker 1: pay really well. But you're also entering into into a 587 00:29:03,120 --> 00:29:06,360 Speaker 1: profession that we're it garners just a lot of debt, 588 00:29:06,640 --> 00:29:10,000 Speaker 1: So just being mindful of how much you're borrowing, that 589 00:29:10,040 --> 00:29:13,600 Speaker 1: you're you're not borrowing more than you need, and two afterwards, 590 00:29:13,640 --> 00:29:16,320 Speaker 1: making choices that are going to allow you to pay 591 00:29:16,320 --> 00:29:17,520 Speaker 1: that debt off faster. 592 00:29:19,440 --> 00:29:22,160 Speaker 2: Yes, ma'am. And don't start living that high paid lawyer 593 00:29:22,160 --> 00:29:24,000 Speaker 2: lifestyle as soon as you just start getting paid, because 594 00:29:24,040 --> 00:29:26,400 Speaker 2: remember you haven't actually earned the money yet, you know, 595 00:29:27,000 --> 00:29:30,600 Speaker 2: like take it paycheck by paycheck, and don't just don't 596 00:29:30,600 --> 00:29:33,200 Speaker 2: forget about that debt and any you know. She mentions 597 00:29:33,200 --> 00:29:35,960 Speaker 2: that if you're in law school, you can get a 598 00:29:35,960 --> 00:29:38,280 Speaker 2: good summer internship that may net you up to thirty 599 00:29:38,320 --> 00:29:41,040 Speaker 2: thousand dollars in one summer. Okay, great, So see if 600 00:29:41,080 --> 00:29:43,320 Speaker 2: you can go ahead and make payments on your student 601 00:29:43,360 --> 00:29:45,800 Speaker 2: loans to get ahead of it, because she says that 602 00:29:45,800 --> 00:29:48,080 Speaker 2: that one hundred and fifty thousand dollars is already starting 603 00:29:48,120 --> 00:29:51,200 Speaker 2: to accrue interest, So if you can make a payment 604 00:29:51,200 --> 00:29:55,480 Speaker 2: even while you're in school, that would obviously be even better. 605 00:29:57,000 --> 00:29:57,400 Speaker 1: Yeah. 606 00:29:57,480 --> 00:30:01,600 Speaker 2: Yeah, but good luck, And let me know what area 607 00:30:01,640 --> 00:30:03,160 Speaker 2: of law you go into. Maybe I'll give you a 608 00:30:03,160 --> 00:30:07,720 Speaker 2: call one day and maybe be a client who knows. 609 00:30:08,360 --> 00:30:12,520 Speaker 2: Thank you for your question. All right, next question. This 610 00:30:12,560 --> 00:30:16,640 Speaker 2: comes from another anonymous listener. Okay, she says another. Our 611 00:30:16,680 --> 00:30:19,280 Speaker 2: last episode last week was a little bit about financial fomo. 612 00:30:19,800 --> 00:30:23,320 Speaker 2: She has kind of a credit card fomo experience, she says. 613 00:30:23,520 --> 00:30:26,400 Speaker 2: One of my coworkers recently shared with me how she's 614 00:30:26,440 --> 00:30:28,920 Speaker 2: been able to fund all of her fabulous trips with 615 00:30:28,920 --> 00:30:32,240 Speaker 2: her husband with travel and rewards credit cards. I'd like 616 00:30:32,280 --> 00:30:34,120 Speaker 2: to sign up for one so my husband can take 617 00:30:34,160 --> 00:30:36,840 Speaker 2: more trips, but I'm not sure which is the best option, 618 00:30:36,960 --> 00:30:39,320 Speaker 2: and also I don't want to have too much open 619 00:30:39,360 --> 00:30:43,160 Speaker 2: credit available. We're in good financial standing with eight hundred 620 00:30:43,200 --> 00:30:46,480 Speaker 2: plus credit scores, but don't want to jeopardize our position 621 00:30:46,560 --> 00:30:52,240 Speaker 2: by overextending ourselves. Question is is there a certain number 622 00:30:52,280 --> 00:30:55,080 Speaker 2: of credit cards that are too much? And what is 623 00:30:55,120 --> 00:30:58,040 Speaker 2: the best option if we're looking for travel and rewards 624 00:30:58,120 --> 00:31:03,360 Speaker 2: credit cards to maximize points for travel. Sincerely, Anonymous. 625 00:31:05,480 --> 00:31:08,600 Speaker 1: Well, I understand not wanting to have too much credit 626 00:31:08,600 --> 00:31:12,040 Speaker 1: cards open. I don't know that there's like a specific number. 627 00:31:12,120 --> 00:31:15,080 Speaker 1: I mean, there are like those super travel hacker guys 628 00:31:15,080 --> 00:31:18,960 Speaker 1: who have like a ton. I feel like two or three. 629 00:31:19,080 --> 00:31:21,640 Speaker 1: It's fine, I guess I mean three or less, but 630 00:31:21,720 --> 00:31:23,560 Speaker 1: I don't. I feel like it really all depends on 631 00:31:23,600 --> 00:31:24,600 Speaker 1: how responsible you. 632 00:31:24,560 --> 00:31:28,080 Speaker 2: Are, unless I have like ten, I don't know ten, 633 00:31:28,120 --> 00:31:28,760 Speaker 2: but I have ten. 634 00:31:29,560 --> 00:31:32,040 Speaker 1: But I mean, also you're responsible, so it's kind of like, well, 635 00:31:32,600 --> 00:31:36,120 Speaker 1: to me, it really depends on your level of responsibility. 636 00:31:36,200 --> 00:31:38,600 Speaker 1: So you know, you you could have a ton of 637 00:31:38,640 --> 00:31:42,160 Speaker 1: cards and you've got this great utilization rate because you're 638 00:31:42,160 --> 00:31:45,160 Speaker 1: not utilizing as much credit as you could, and that's fine, 639 00:31:45,720 --> 00:31:47,320 Speaker 1: and you can have one and be like, I'm good 640 00:31:47,320 --> 00:31:49,000 Speaker 1: to rock out with this. I feel like it really 641 00:31:49,040 --> 00:31:52,000 Speaker 1: just depends on it's not so many how many cards, 642 00:31:52,280 --> 00:31:56,240 Speaker 1: but how you're using them. And honestly, the best way 643 00:31:56,360 --> 00:31:59,440 Speaker 1: to use cards if you're wanting to use it for travel, 644 00:32:00,120 --> 00:32:03,320 Speaker 1: if you are responsible enough to do this, is to 645 00:32:03,600 --> 00:32:08,040 Speaker 1: put your bills on one on that travel card and 646 00:32:08,080 --> 00:32:10,600 Speaker 1: then paid off in full every month, and then that 647 00:32:10,680 --> 00:32:14,480 Speaker 1: way you're earning as many points as possible paying things 648 00:32:14,520 --> 00:32:17,120 Speaker 1: you were going to pay anyway. But to me, that's like, 649 00:32:17,240 --> 00:32:19,680 Speaker 1: you know, graduate level usage of credit cards, because what 650 00:32:19,680 --> 00:32:21,600 Speaker 1: you don't want is to put your bills on a 651 00:32:21,680 --> 00:32:23,080 Speaker 1: card and not be able to pay. So now you 652 00:32:23,160 --> 00:32:25,920 Speaker 1: owe bills and you owe credit card but if you're 653 00:32:26,160 --> 00:32:28,080 Speaker 1: you know, you've got a great automated system, and you're like, 654 00:32:28,080 --> 00:32:31,200 Speaker 1: you know, the household bills are you know, three thousand 655 00:32:31,200 --> 00:32:33,200 Speaker 1: and five thousand dollars a month, and we could pay 656 00:32:33,200 --> 00:32:35,040 Speaker 1: that off every month because we paid the bills anyway, 657 00:32:35,440 --> 00:32:37,000 Speaker 1: you know, you could certainly try that. I know people 658 00:32:37,000 --> 00:32:39,480 Speaker 1: who do that and get one or two trips a year. 659 00:32:40,160 --> 00:32:41,959 Speaker 1: What I do, because I have a business, is that 660 00:32:42,720 --> 00:32:47,200 Speaker 1: one of my marketing cards is a travel rewards card, 661 00:32:47,640 --> 00:32:50,160 Speaker 1: and so I spent a lot of money on marketing, 662 00:32:50,640 --> 00:32:54,120 Speaker 1: and so it can earn me anywhere from sometimes three 663 00:32:54,160 --> 00:32:58,320 Speaker 1: trips a year, certainly enough for flights, like three or 664 00:32:58,320 --> 00:33:01,000 Speaker 1: four flights a year. So that's the way I use that, 665 00:33:01,040 --> 00:33:04,160 Speaker 1: because we pay my business pays off it's credit card 666 00:33:04,200 --> 00:33:07,120 Speaker 1: every month, so I earn a good amount of trips. 667 00:33:07,120 --> 00:33:09,640 Speaker 1: Plus two, I travel a lot, and so I use 668 00:33:09,720 --> 00:33:11,360 Speaker 1: I earn a lot of money and or a lot 669 00:33:11,360 --> 00:33:13,960 Speaker 1: of flights and points. So that's what I would suggest 670 00:33:14,000 --> 00:33:17,000 Speaker 1: that there's nothing wrong with a credit card I use wisely. 671 00:33:18,160 --> 00:33:19,920 Speaker 1: But the only way you're going to really earn enough 672 00:33:19,920 --> 00:33:21,800 Speaker 1: points to do so is that if you actually use 673 00:33:21,840 --> 00:33:24,120 Speaker 1: that card and actually use it a lot, and the 674 00:33:24,280 --> 00:33:26,160 Speaker 1: easiest way to use it a lot is to use 675 00:33:26,200 --> 00:33:27,600 Speaker 1: it for things you're paying for anyway. 676 00:33:28,400 --> 00:33:31,120 Speaker 2: Yeah, if traveling, I would say the best travel credit 677 00:33:31,120 --> 00:33:32,840 Speaker 2: cards out there are ones that give you the most 678 00:33:32,880 --> 00:33:36,960 Speaker 2: points for traveling, So if you don't already travel consistently, 679 00:33:37,160 --> 00:33:39,400 Speaker 2: it can be difficult to accrue enough points to make 680 00:33:39,440 --> 00:33:43,200 Speaker 2: the card really worth it. And there are cards that 681 00:33:43,320 --> 00:33:45,920 Speaker 2: maybe you can spend enough to earn that sign up bonus, 682 00:33:45,960 --> 00:33:48,120 Speaker 2: which is nice, and maybe you'll get like fifty thousand 683 00:33:48,160 --> 00:33:50,840 Speaker 2: points and you can take a trip somewhere, But then 684 00:33:50,920 --> 00:33:53,480 Speaker 2: after that you may find it hard to accrue enough 685 00:33:53,520 --> 00:33:57,200 Speaker 2: points to really make a meaningful debt and travel expenses 686 00:33:57,280 --> 00:34:01,480 Speaker 2: unless you're really continuing to spend a large amount in 687 00:34:01,520 --> 00:34:04,600 Speaker 2: the key categories where you earn the most points, which 688 00:34:04,640 --> 00:34:07,520 Speaker 2: you know, for like the top cards like Chase Sapphire Reserve, 689 00:34:07,560 --> 00:34:09,840 Speaker 2: for example, you only get three points back on travel 690 00:34:09,880 --> 00:34:14,440 Speaker 2: related purchases or not travel and dining purchases, So if 691 00:34:14,480 --> 00:34:16,160 Speaker 2: you don't travel a lot or eat out a lot, 692 00:34:16,200 --> 00:34:18,760 Speaker 2: then maybe it wouldn't be the most, you know, wouldn't 693 00:34:18,760 --> 00:34:22,359 Speaker 2: make the most sense for you. There's like flat rate 694 00:34:22,440 --> 00:34:26,080 Speaker 2: cash back cards that maybe yeah, if you're not you know, 695 00:34:26,120 --> 00:34:29,080 Speaker 2: if you don't have any specific spending in any one category. 696 00:34:30,360 --> 00:34:32,680 Speaker 2: You know, a flat back, a flat cash back card 697 00:34:32,760 --> 00:34:36,520 Speaker 2: like a City Double Cash card, or ally has a 698 00:34:36,560 --> 00:34:38,880 Speaker 2: new credit card I think gives you two percent cash 699 00:34:38,920 --> 00:34:42,680 Speaker 2: back on some purchases. There are there's I like having 700 00:34:42,680 --> 00:34:45,880 Speaker 2: a good and I'll tell you through this. Through our renovation, 701 00:34:45,960 --> 00:34:50,719 Speaker 2: for example, we have been charging everything because it's not 702 00:34:50,760 --> 00:34:54,960 Speaker 2: like it doesn't fit any particular rewards category. The spending 703 00:34:55,040 --> 00:34:58,040 Speaker 2: like for tile and for toilets and crap. Unfortunately there's 704 00:34:58,040 --> 00:34:59,040 Speaker 2: no toilet credit card. 705 00:35:00,080 --> 00:35:00,800 Speaker 1: But we've been. 706 00:35:00,760 --> 00:35:03,400 Speaker 2: Using a flat back, a flat rate cash back car 707 00:35:03,480 --> 00:35:05,800 Speaker 2: the City Double Cash and we've made hundreds of dollars 708 00:35:05,840 --> 00:35:10,600 Speaker 2: back in our in our spending so far, which is nice. 709 00:35:10,640 --> 00:35:14,040 Speaker 2: And then I have my travel card for travel related 710 00:35:14,080 --> 00:35:19,080 Speaker 2: purchases that I use strategically there and if you're looking, 711 00:35:19,080 --> 00:35:20,840 Speaker 2: I knows you want I know you want the best option. 712 00:35:20,920 --> 00:35:23,520 Speaker 2: There's so many. I'm gonna send a link to a 713 00:35:23,560 --> 00:35:26,719 Speaker 2: couple of roundups on best travel credit cards and then 714 00:35:26,760 --> 00:35:29,320 Speaker 2: you can maybe pick the one that's right for you. Yeah, 715 00:35:29,440 --> 00:35:30,480 Speaker 2: that fits your lifestyle. 716 00:35:30,960 --> 00:35:33,359 Speaker 1: So depending on basically what kind of spending you do. 717 00:35:33,480 --> 00:35:36,960 Speaker 1: So you know, Mandy's right. Sometimes you're like, oh and 718 00:35:36,960 --> 00:35:39,600 Speaker 1: and too. You know, as you as you start to 719 00:35:39,640 --> 00:35:42,280 Speaker 1: travel more, if the card does work, really get loyal 720 00:35:42,320 --> 00:35:45,560 Speaker 1: to an airline because that's going to help maximize your card. 721 00:35:45,680 --> 00:35:49,800 Speaker 1: So look, wherever you fly out of typically, what airline 722 00:35:49,800 --> 00:35:53,160 Speaker 1: has a hub there. So for me, I live in Newark, 723 00:35:53,239 --> 00:35:55,680 Speaker 1: so nine times out of ten, I'm flying out of Newark, 724 00:35:56,080 --> 00:35:58,720 Speaker 1: and the hub for United has their hub in Newark. 725 00:35:58,800 --> 00:36:02,440 Speaker 1: So I'm loyal to you, not because of United in particular, 726 00:36:02,520 --> 00:36:06,080 Speaker 1: but because I know that I'm gonna have to fly 727 00:36:06,200 --> 00:36:10,239 Speaker 1: United anyway typically, so I'm able to earn points. So 728 00:36:10,560 --> 00:36:12,200 Speaker 1: even if like I just came back, I just taped 729 00:36:12,200 --> 00:36:14,759 Speaker 1: the real in La So even though I didn't pay 730 00:36:14,760 --> 00:36:18,040 Speaker 1: for my flight the producers did, I still got to 731 00:36:18,040 --> 00:36:21,200 Speaker 1: earn points. So I always remember to add my points, 732 00:36:21,239 --> 00:36:24,400 Speaker 1: so that way I'm adding earning points from the actual 733 00:36:24,400 --> 00:36:27,320 Speaker 1: airline and I'm earning points from the actual card. And 734 00:36:27,480 --> 00:36:30,560 Speaker 1: so when you know, when it's the next time I 735 00:36:30,600 --> 00:36:34,040 Speaker 1: go to travel somewhere, sometimes I'll buy my points with 736 00:36:34,160 --> 00:36:37,600 Speaker 1: my airline points, and then I'll buy my husband's flight 737 00:36:37,680 --> 00:36:39,839 Speaker 1: with his with the with the card points, and so 738 00:36:40,120 --> 00:36:41,960 Speaker 1: that way everybody wins. 739 00:36:43,800 --> 00:36:46,680 Speaker 2: That's awesome. Yeah, and if you've made purchases for your 740 00:36:46,680 --> 00:36:50,040 Speaker 2: office too, it's a good chance to earn rewards. 741 00:36:50,480 --> 00:36:52,440 Speaker 1: And Groupon is your friend. Have you ever have you 742 00:36:52,440 --> 00:36:53,760 Speaker 1: ever gone to a group on trip Mandy? 743 00:36:54,239 --> 00:36:56,560 Speaker 2: Yeah, I did once we went to Turkey using a 744 00:36:56,600 --> 00:36:58,440 Speaker 2: group on, like in twenty thirteen. 745 00:36:59,520 --> 00:37:00,120 Speaker 1: Did you like it? 746 00:37:00,520 --> 00:37:02,120 Speaker 2: Oh? I loved it? Yeah, it was. It was cool, 747 00:37:02,160 --> 00:37:04,160 Speaker 2: it was and you know what, it was funny because 748 00:37:04,160 --> 00:37:08,000 Speaker 2: we we got like a package tour of Turkey where 749 00:37:08,040 --> 00:37:11,120 Speaker 2: it was like airfare, travel, lodging, all that included. And 750 00:37:11,160 --> 00:37:13,080 Speaker 2: then we were mentioning the group on because I just 751 00:37:13,080 --> 00:37:15,319 Speaker 2: assumed everybody used the group on, but like a lot 752 00:37:15,360 --> 00:37:17,080 Speaker 2: of people didn't use the group on. They just poked 753 00:37:17,080 --> 00:37:20,960 Speaker 2: it through the and they got really mad. We if 754 00:37:20,960 --> 00:37:22,680 Speaker 2: we payed like a thousand bucks less. 755 00:37:22,960 --> 00:37:25,520 Speaker 1: Yeah it was yeah. Yeah so that too. Think about 756 00:37:25,560 --> 00:37:27,960 Speaker 1: you know, like you could get really creative with travel, 757 00:37:28,040 --> 00:37:30,000 Speaker 1: like what I've been on like three or four group 758 00:37:30,080 --> 00:37:32,680 Speaker 1: on and I've never had a bad time and I've 759 00:37:32,680 --> 00:37:35,319 Speaker 1: never had like a scammy time. And too, there's a 760 00:37:35,560 --> 00:37:38,280 Speaker 1: if you're looking to travel to Europe. I love European 761 00:37:38,360 --> 00:37:42,280 Speaker 1: destinations dot com. I found like I did Greece and Turkey. 762 00:37:42,320 --> 00:37:45,160 Speaker 1: One year. I think it was twelve fifty and included 763 00:37:45,200 --> 00:37:48,080 Speaker 1: all flights, all hotels, and you get to pick your 764 00:37:48,080 --> 00:37:49,680 Speaker 1: own hotels, so I made sure to pick hotels that 765 00:37:49,719 --> 00:37:52,560 Speaker 1: had breakfast included for twelve hundred fifty dollars. I think 766 00:37:52,560 --> 00:37:55,279 Speaker 1: we were gone. It was my sister and I. I 767 00:37:55,320 --> 00:37:57,719 Speaker 1: think we were gone for I don't want I want 768 00:37:57,760 --> 00:38:00,000 Speaker 1: to say it was seven to ten days. I think 769 00:38:00,080 --> 00:38:02,160 Speaker 1: it was about so it was, and it was amazing. 770 00:38:02,200 --> 00:38:04,319 Speaker 1: So we got to go to Athens, we got to 771 00:38:04,320 --> 00:38:06,719 Speaker 1: go to Santorini, Greece, and we got to go to Istanbul, 772 00:38:06,719 --> 00:38:09,360 Speaker 1: Turkey for twelve hundred dollars and like I said, included 773 00:38:09,400 --> 00:38:11,839 Speaker 1: flight from from New Jersey. No, I think we left 774 00:38:11,840 --> 00:38:16,000 Speaker 1: from New York to Greece and from Greece to Santorini 775 00:38:16,080 --> 00:38:19,040 Speaker 1: which is also Greece, and Santorini to Istanbul and then 776 00:38:19,080 --> 00:38:22,000 Speaker 1: back home. So there are deals out there, even if 777 00:38:22,000 --> 00:38:24,719 Speaker 1: it's not like free vacations, there are definitely deals out 778 00:38:24,760 --> 00:38:26,319 Speaker 1: there to be had. 779 00:38:26,680 --> 00:38:30,120 Speaker 2: Exactly, And I'm gonna send you that link to a 780 00:38:30,160 --> 00:38:33,719 Speaker 2: couple of you know, good travel rewards card options. And 781 00:38:33,760 --> 00:38:35,200 Speaker 2: again these are the cards that you know if we 782 00:38:35,280 --> 00:38:37,160 Speaker 2: mentioned credit cards on the show, They're just the cards 783 00:38:37,160 --> 00:38:39,120 Speaker 2: that we like. You know, you've got to find the 784 00:38:39,160 --> 00:38:43,399 Speaker 2: card that's right for you, and we don't endorse any 785 00:38:43,400 --> 00:38:45,759 Speaker 2: particular card for any reason other than that it fits 786 00:38:45,760 --> 00:38:48,560 Speaker 2: our lives and we like it right this, Yes, like. 787 00:38:48,600 --> 00:38:50,640 Speaker 1: My get up and go you better go ahead Chase card. 788 00:38:50,640 --> 00:38:52,319 Speaker 1: Remember I could never get the. 789 00:38:52,320 --> 00:38:57,360 Speaker 2: Name right the Chase Good Time cards, get. 790 00:38:57,280 --> 00:38:59,319 Speaker 1: You a flight Chase card. I'm like, wait, what part 791 00:38:59,360 --> 00:39:02,880 Speaker 1: is that? It sounds like those are those commercials that 792 00:39:02,920 --> 00:39:06,560 Speaker 1: they do. They do the to focus like on their 793 00:39:06,640 --> 00:39:10,399 Speaker 1: black demographic, so they have to get extra like hey hey, hey, 794 00:39:10,680 --> 00:39:12,799 Speaker 1: got you a car Chase card. And you're like, you 795 00:39:12,840 --> 00:39:15,839 Speaker 1: didn't have to do all of that, or they make 796 00:39:15,840 --> 00:39:18,279 Speaker 1: a hip hop beat for it. You're like, you know, 797 00:39:18,440 --> 00:39:23,040 Speaker 1: I like country music, but okay, yeah, you want to 798 00:39:23,040 --> 00:39:27,120 Speaker 1: take one more question? No done? 799 00:39:27,400 --> 00:39:28,480 Speaker 2: Those are the two I chose. 800 00:39:29,600 --> 00:39:30,560 Speaker 1: No, that's fine by me.