WEBVTT - Multi-Level Marketing Rants and Credit Card Tips

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<v Speaker 1>Hey, hey, hey, it's election day. I'm Tiffany.

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<v Speaker 2>I need to be sure recording. Hold on, Yes we are.

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<v Speaker 2>I am Mandy. Hey, y'all, and this is brown ambition.

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<v Speaker 1>Oh my goodness, So riddle me this, mandra Have you

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<v Speaker 1>ever seen so much a fever for midterm elections before?

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<v Speaker 2>I've never felt I was talking to someone today and

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<v Speaker 2>I was like, I don't even think, and I'll put

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<v Speaker 2>myself out there. I'm sure I'm not alone. I don't

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<v Speaker 2>think I've ever voted in a midterm election.

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<v Speaker 1>I'm not gonna lie. I'm not gonna lie. I was

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<v Speaker 1>thinking that to myself. I'm like, have I ever voted

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<v Speaker 1>in a midterm election? Maybe because my dad's like really

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<v Speaker 1>civic minded, so like, I know there's definitely times he's like,

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<v Speaker 1>you go vote. But honestly, when I tell you, I've

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<v Speaker 1>never seen so many people like young and O. I

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<v Speaker 1>went to go vote because of course, like I'm eighteen

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<v Speaker 1>and I still vote in Westfield where I went to

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<v Speaker 1>high school. Oh, so I had to drive back there.

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<v Speaker 1>But the line it was an hour. It was an hour.

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<v Speaker 1>And they said, since six am, the line has not

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<v Speaker 1>been shorter than an hour long wait. And I'm like wow, yeah,

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<v Speaker 1>and I there people are really even like the advertising,

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<v Speaker 1>Like I just went to Google and instead of Google

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<v Speaker 1>said go vote, and I'm like, wow.

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<v Speaker 2>I mean Beyonce got on Twitter. She got I mean

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<v Speaker 2>not Twitter on Instagram and endorsed a candidate for Senate

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<v Speaker 2>in Texas, which I was like, kind of low key,

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<v Speaker 2>she's a little late, like she posted a couple hours ago.

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<v Speaker 2>But shout out to her for finally getting her act together.

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<v Speaker 1>But yeah, yeah, it was the same.

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<v Speaker 2>In New York City. A couple of my the people

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<v Speaker 2>who work in my office came in just like looking

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<v Speaker 2>like they were completely harassed. Like the lines were so long.

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<v Speaker 2>People Like at one load a voting location in Brooklyn,

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<v Speaker 2>I heard like the the the what do you call it,

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<v Speaker 2>Like the scanning machines or the vote scanner machines weren't

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<v Speaker 2>working and there was this massive line.

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<v Speaker 1>Yeah.

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<v Speaker 2>I just I feel like everyone. It feels like people

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<v Speaker 2>knew they were gonna was gonna be like a record turnout,

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<v Speaker 2>but it doesn't feel like the polling locations got the

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<v Speaker 2>memo or like actually made any changes to make it easier, because.

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<v Speaker 1>Yeah, they're already talking about voter suppression. In Georgia, oh yeah, where, Yeah,

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<v Speaker 1>we're I think it mostly some of the voter machines

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<v Speaker 1>they didn't bring chords to like to plug them in.

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<v Speaker 1>And it's only mostly, of course, areas where minorities are.

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<v Speaker 1>Isn't that so terrible? That guy is the worst in Georgia.

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<v Speaker 2>I mean, I cast my vote in New York, but

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<v Speaker 2>I'm watching I'm watching my homestay. I still consider Georgia

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<v Speaker 2>because I'm like, please do the right thing, you guys.

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<v Speaker 2>But also it's really depressing because it's not just like

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<v Speaker 2>a new thing for Georgia, this talk of voters suppression.

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<v Speaker 2>Brian Kemp, the Republican candidate, has been actively trying to

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<v Speaker 2>suppress votes. I mean, he's he literally is on the

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<v Speaker 2>uh it manages elections for the state. That's like his job.

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<v Speaker 1>That's crazy. And then and he's been sued multiple times

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<v Speaker 1>and found guilty of it, which I'm like, how is

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<v Speaker 1>he allowed to still manage then these elections?

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<v Speaker 2>It's outraged like that that I feel like is the

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<v Speaker 2>reason there's such I mean, I almost feel like people

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<v Speaker 2>have had this pent up aggression. I mean since day

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<v Speaker 2>day one of you know, day one, post apocalypse, post

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<v Speaker 2>twenty sixteen election night, everyone. We were depressed. You know,

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<v Speaker 2>there was like this depression that fell over a lot,

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<v Speaker 2>probably over more than half the country. But then it

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<v Speaker 2>was like midterms, mid terms. It became like the chant,

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<v Speaker 2>the chant that we shared like two years, two years,

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<v Speaker 2>we can finally do something. And I think that's why

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<v Speaker 2>we're seeing such crazy turnout. But you know, I just

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<v Speaker 2>wish it was easier to vote. Man, it should it

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<v Speaker 2>should be so much easier.

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<v Speaker 1>Well, they did a lot of like I saw, like

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<v Speaker 1>more than ever before that people voted early, like early voting.

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<v Speaker 1>I don't think New Jersey has it because I definitely

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<v Speaker 1>would have done it. Yeah, so it was just like

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<v Speaker 1>I said, I mean usually like my city where my

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<v Speaker 1>town that grew, Westfield. You know, the turnout it's pretty decent,

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<v Speaker 1>although like you said, I don't even know for it

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<v Speaker 1>actually was. There was more people for midterms than it

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<v Speaker 1>was for the presidential election. For when I went in

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<v Speaker 1>and I'm like, wow, people are really not fun. Yeah, well,

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<v Speaker 1>you know, I mean to be fair, it's not like

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<v Speaker 1>I go the same time every year. But I don't

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<v Speaker 1>remember ever waiting that long. I was like wait, And

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<v Speaker 1>then they had a little ninety year old lady who

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<v Speaker 1>was like checking everyone in. I'm like, why did they

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<v Speaker 1>have this lady here? She was super nice, but when

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<v Speaker 1>I tell you the lie, I was like, oh my god,

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<v Speaker 1>Like it didn't make sense. Like have her sit by

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<v Speaker 1>the actual like like little I don't know, voting booth

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<v Speaker 1>and just hand you your card because for her to

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<v Speaker 1>have to find your name sign, I'm like, why did

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<v Speaker 1>they have grand out grandma doing this? People were looking

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<v Speaker 1>like what's happening?

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<v Speaker 2>Still like reams of paper, They're like thumbing through to

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<v Speaker 2>find your name on the on the list of the

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<v Speaker 2>voter registration documents. I mean, I just feel like it's

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<v Speaker 2>so antiquated and it's been made. I almost like this

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<v Speaker 2>whole experience of this midterm election voting, even me trying

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<v Speaker 2>to figure out how to do absentee ballots because we

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<v Speaker 2>vote in a county thirty minutes north of Manhattan, and

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<v Speaker 2>I couldn't go vote today because of work stuff, so

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<v Speaker 2>I went this weekend to try and vote, and like

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<v Speaker 2>the address on the website wasn't actually the address where

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<v Speaker 2>you can go pick up the ballots, and it was

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<v Speaker 2>this whole run around to finally get to the place

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<v Speaker 2>where I had to cast my vote and I'm just

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<v Speaker 2>like it. You know, we talk about voter suppression in

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<v Speaker 2>the obvious ways, but I feel like the whole the

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<v Speaker 2>whole like way that. But we have elections set up

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<v Speaker 2>in the polling process, and the voting process in this

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<v Speaker 2>in this country is is a form of it, just

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<v Speaker 2>it naturally punishes people who don't have transportation, who work

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<v Speaker 2>nine to five, you know, and can't get takeoff work

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<v Speaker 2>to go vote. And I would I would love to.

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<v Speaker 2>I don't know if I just don't think voters rights

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<v Speaker 2>and voters and the voting process is ever like a

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<v Speaker 2>big campaign issue, but I wish it was, because can

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<v Speaker 2>you imagine, like you can get a flu shot at

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<v Speaker 2>dayne Reid, what if you could vote, you know, at

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<v Speaker 2>the drug store, or what if you could cast a

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<v Speaker 2>vote on your phone like you could for American idol

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<v Speaker 2>or something like that. I mean, so many studies have

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<v Speaker 2>shown if But the fact that like voter turnout, you know,

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<v Speaker 2>is a big reason why we have party lines the

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<v Speaker 2>way that we do, and it's a big reason why

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<v Speaker 2>democrats and liberals are progressives often struggle in races like

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<v Speaker 2>this because the people who would vote for them are

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<v Speaker 2>the least likely to show up.

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<v Speaker 1>Yeah, no, you're right. It's definitely like you know, we're

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<v Speaker 1>all watching the Stacy Abrams race, We're all watching the

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<v Speaker 1>Gilliam race. We're all watching just well chat you know,

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<v Speaker 1>you're just like my I just don't even want to

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<v Speaker 1>I'm just gonna go to sleep and wake up because

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<v Speaker 1>the last time we thought we had it in the

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<v Speaker 1>bag with the Cheeto for president.

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<v Speaker 2>I have zero zero hope. I mean I have. The

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<v Speaker 2>hope that I have is like watching my baby brother

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<v Speaker 2>in Atlanta who's been canvassing for Stacy Abrams for months now,

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<v Speaker 2>him and his friends canvassing like this is you know,

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<v Speaker 2>say what you Obviously it's a terrible situation our countries

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<v Speaker 2>and right now politically, but I can at least take

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<v Speaker 2>hope and like the fact that young people are really

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<v Speaker 2>feeling mobilized to get out there and get the vote out.

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<v Speaker 2>And I don't know that Stacy Abrams might have run

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<v Speaker 2>if twenty sixteen had it happened.

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<v Speaker 1>So that's true.

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<v Speaker 2>Mm hmm, there's that prize. I got to hope she wins,

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<v Speaker 2>so I know, I know, come through Georgia, I know.

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<v Speaker 1>Oh boy. So other than that, I had to do

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<v Speaker 1>some real adulting today. My dad was like, because you know,

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<v Speaker 1>like I mentioned, last week or the week before lasted,

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<v Speaker 1>I paid out here my mom's mortgage and he was like,

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<v Speaker 1>you know, I didn't even mind paying my taxes today.

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<v Speaker 1>I was like, taxes, taxes. I totally forgot Superman, and

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<v Speaker 1>I have to pay taxes on our property because you know,

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<v Speaker 1>usually taxes come out with your mortgage, so you don't

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<v Speaker 1>think about it. But like, we don't have a mortgage

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<v Speaker 1>on either of the properties. So I'm like, oh man,

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<v Speaker 1>So I had to do some real adulting and like

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<v Speaker 1>add it to like my calendar so that way it

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<v Speaker 1>can send me a reminder because typically what they do

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<v Speaker 1>in newerkules I don't know other talents is they'll give

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<v Speaker 1>you the tax couponts for the year. But who's looking

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<v Speaker 1>at that, you know. So yeah, so I just went

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<v Speaker 1>in my calendar and it was like, okay, November, February,

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<v Speaker 1>whatever the other months are, and I put it as

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<v Speaker 1>a reminder. I gave myself the link because you also

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<v Speaker 1>have to know like your block a lot number, which

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<v Speaker 1>I guess is like where your property is actually located,

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<v Speaker 1>and your account number. So I did all of that

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<v Speaker 1>so as it pops up, I can be like taxes

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<v Speaker 1>are due. I did it like a few days before

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<v Speaker 1>they're actually due, so I have time to transfer money

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<v Speaker 1>if need be. But it was just like such an

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<v Speaker 1>adulting day, taxes voting. Oh my goodness, what next I'm

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<v Speaker 1>giving birth? I mean hopefully right, that is hopefully so.

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<v Speaker 2>Only it were that simple.

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<v Speaker 1>Well, one last, one quick thing. This is just a

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<v Speaker 1>little gig go because we all gotta have a kind

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<v Speaker 1>of like an abbreviated show. Did you see the young

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<v Speaker 1>woman all this was funny, the young woman who created

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<v Speaker 1>uh pretend go fund me. She was a black college student.

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<v Speaker 1>She made one hundred and fifty thousand dollars because she

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<v Speaker 1>wore the red uh you know, Magna had said like mega, yeah,

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<v Speaker 1>uh huh. And so she said, I can't pay for school,

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<v Speaker 1>and you know I can't. I can't hide it anymore.

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<v Speaker 1>I you know, I have to just I just have

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<v Speaker 1>to say. She said, Oh, her name is a reformed Republican.

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<v Speaker 1>This is on Twitter. I will not hide any longer.

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<v Speaker 1>The left has made us feel like if us black

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<v Speaker 1>Republicans like as if US black or publishers should hide,

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<v Speaker 1>but not anymore. Blacks for Trump walk away. Maga and

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<v Speaker 1>then she was like, you know, my parents, thank you

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<v Speaker 1>so much for your overwhelming support. After seeing my tweet,

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<v Speaker 1>my parents cut me off and refuse to pay for

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<v Speaker 1>my universe situition. So if you could find in your

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<v Speaker 1>hearts to help this young black Republican pay for school

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<v Speaker 1>would be appreciated. She started a GoFundMe. This girl raised

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<v Speaker 1>one hundred and fifty thousand dollars and it was like

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<v Speaker 1>psych Then she got a little freaked out because I

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<v Speaker 1>think people were like, you know what, So she actually decided, like,

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<v Speaker 1>you know what she gave, you know, that was a lot.

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<v Speaker 1>She even posted fake fake text and so and what now,

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<v Speaker 1>where is the money gonna go?

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<v Speaker 2>Is she gonna donate it to?

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<v Speaker 1>I don't know, something, I don't know, she said, I

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<v Speaker 1>don't know. So this is, oh my god, some of

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<v Speaker 1>the stuff she said, it's crazy. She said Trump is

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<v Speaker 1>a racist, homophobic, transphobic, a big and you think my

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<v Speaker 1>black ass would support that rotten carrot ridiculous. Any black

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<v Speaker 1>person can put on an ugly hat and say maga,

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<v Speaker 1>and y'all will instantly up and theigh behind because you

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<v Speaker 1>want to prove so hard that you're not racist. And

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<v Speaker 1>she was like so yeah, so she I don't know

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<v Speaker 1>how much of the money she's keeping, but I'm like, girl,

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<v Speaker 1>someone will scam of the century.

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<v Speaker 2>But she's not wrong, Like, come on, she's like every

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<v Speaker 2>white Republicans black. They want to make her their black friend.

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<v Speaker 1>They do. And I was just like wow, and I

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<v Speaker 1>was I just thought that that was hilarious. And I

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<v Speaker 1>think that I think she said she was gonna give

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<v Speaker 1>back the money. Meanwhile, she said she refunded most of

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<v Speaker 1>the donation. No, I don't think she will funded all them. Yeah,

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<v Speaker 1>so I think that I just thought that that was hilarious,

0:11:25.440 --> 0:11:27.840
<v Speaker 1>that how quickly people will jump on and give money

0:11:27.840 --> 0:11:31.720
<v Speaker 1>to a stranger if it supports their racist agenda. And yeah,

0:11:31.840 --> 0:11:33.319
<v Speaker 1>good for you. You know, I hope you're one of the

0:11:33.320 --> 0:11:38.000
<v Speaker 1>people that she got. That's a little I little giggle

0:11:38.040 --> 0:11:39.800
<v Speaker 1>for the night, little giggle. Thanks for that.

0:11:40.679 --> 0:11:42.600
<v Speaker 2>Let's take a quick break and hear from one of

0:11:42.600 --> 0:11:48.000
<v Speaker 2>our sponsors. Okay, it's time for Brown Bruce Brown break.

0:11:48.559 --> 0:11:52.080
<v Speaker 1>Hopefully, by the time you hear this, the elections, we

0:11:52.160 --> 0:11:54.920
<v Speaker 1>will be celebrating and we'll be all giddy and you'll

0:11:54.920 --> 0:11:57.520
<v Speaker 1>be listening to this like yes, good things, good things,

0:11:57.520 --> 0:12:00.719
<v Speaker 1>good things, and even if every one we wanted to

0:12:00.760 --> 0:12:04.880
<v Speaker 1>win did not win. Still, you know, your vote really matters.

0:12:04.880 --> 0:12:06.880
<v Speaker 1>And I saw a really great quote that it said,

0:12:06.880 --> 0:12:09.120
<v Speaker 1>if your vote didn't matter, they wouldn't they wouldn't try

0:12:09.160 --> 0:12:10.240
<v Speaker 1>so hard to suppress it.

0:12:10.480 --> 0:12:14.079
<v Speaker 2>So just remember that, Yes, is that your boost?

0:12:15.120 --> 0:12:15.719
<v Speaker 1>Yeah? I guess so.

0:12:15.960 --> 0:12:17.920
<v Speaker 2>But okay, I'll give you. I mean, I'll let you

0:12:17.960 --> 0:12:22.640
<v Speaker 2>get an easy one. I have a slightly off topic boost.

0:12:22.800 --> 0:12:24.480
<v Speaker 2>I wanted to well this is actually a break. I'm

0:12:24.480 --> 0:12:25.920
<v Speaker 2>gonna break, but I'll do a little boost just to

0:12:25.960 --> 0:12:27.800
<v Speaker 2>end on a high note. So, first of all, I

0:12:28.080 --> 0:12:30.640
<v Speaker 2>came across this survey recently and I just had to

0:12:30.679 --> 0:12:34.440
<v Speaker 2>mention it. So it's a survey by AARP. And what

0:12:34.559 --> 0:12:36.440
<v Speaker 2>reminded me of this is my my one of my

0:12:36.520 --> 0:12:38.719
<v Speaker 2>cousins just sent me a Facebook invite for like her

0:12:38.760 --> 0:12:41.360
<v Speaker 2>Pampered Chef you know group on Facebook. And I was like,

0:12:41.400 --> 0:12:44.360
<v Speaker 2>oh god, not another one. And like another cousin is

0:12:44.400 --> 0:12:45.719
<v Speaker 2>doing like Lulu what is it?

0:12:45.800 --> 0:12:46.360
<v Speaker 1>Lula row?

0:12:46.960 --> 0:12:48.600
<v Speaker 2>And then I got the one cousin who was selling

0:12:48.640 --> 0:12:51.920
<v Speaker 2>like tea, you know, like the make you lose weight tea,

0:12:51.960 --> 0:12:54.520
<v Speaker 2>and I'm like, oh my god, multi level marketing people,

0:12:54.640 --> 0:12:57.040
<v Speaker 2>like they're just they drive me crazy, and I just

0:12:57.040 --> 0:12:59.920
<v Speaker 2>think that, you know, I have a I'm pretty I'm

0:13:00.000 --> 0:13:02.400
<v Speaker 2>it's pretty adamant that in my mind, at least just

0:13:02.440 --> 0:13:04.839
<v Speaker 2>from experience or talking to people, that a lot of

0:13:04.920 --> 0:13:08.800
<v Speaker 2>multi level marketing organizations, you know, where you take a oh,

0:13:08.920 --> 0:13:11.200
<v Speaker 2>I became a Lula Roe seller and I made five

0:13:11.200 --> 0:13:13.000
<v Speaker 2>thousand dollars. So I'll teach you how to be one,

0:13:13.040 --> 0:13:15.040
<v Speaker 2>and here by all this inventory and then you sell

0:13:15.080 --> 0:13:17.559
<v Speaker 2>it and you can make a bunch of money. Pyramid

0:13:17.640 --> 0:13:20.240
<v Speaker 2>schemes is another way that they've been, you know, another

0:13:20.320 --> 0:13:24.920
<v Speaker 2>term for these MLM organizations. They're just really not the

0:13:24.960 --> 0:13:27.040
<v Speaker 2>best deal for the people at the bottom of the pyramid.

0:13:27.120 --> 0:13:30.080
<v Speaker 2>That's the whole point. And now there's a little bit

0:13:30.080 --> 0:13:33.600
<v Speaker 2>of proof. So AARP put out a survey and found

0:13:33.600 --> 0:13:37.440
<v Speaker 2>that among twenty million Americans who participate or who have

0:13:37.640 --> 0:13:42.080
<v Speaker 2>participated in multi level marketing organizations, ninety percent said they

0:13:42.080 --> 0:13:47.080
<v Speaker 2>got involved to make money. Obviously, However, nearly half lost

0:13:47.120 --> 0:13:51.880
<v Speaker 2>money and one quarter made no money at all, no

0:13:52.280 --> 0:13:56.080
<v Speaker 2>money at all, which is sad. I mean, this is

0:13:56.120 --> 0:13:59.959
<v Speaker 2>a multi billion dollar industry in it and I'm especially

0:14:00.040 --> 0:14:03.960
<v Speaker 2>talking to our listeners because I feel like a lot

0:14:04.000 --> 0:14:05.760
<v Speaker 2>of The people that are targeted for these type of

0:14:05.840 --> 0:14:10.320
<v Speaker 2>organizations are often women and often minority women, and it

0:14:10.360 --> 0:14:12.719
<v Speaker 2>can really you can negatively impact I feel like it's

0:14:12.720 --> 0:14:15.880
<v Speaker 2>negatively impacting minority women in this country because they're being

0:14:15.920 --> 0:14:18.360
<v Speaker 2>sold a bill of goods to sign up for these,

0:14:18.440 --> 0:14:21.040
<v Speaker 2>you know, different organizations and sell this or sell that,

0:14:21.400 --> 0:14:24.560
<v Speaker 2>and they're not actually reaping any rewards from them.

0:14:25.960 --> 0:14:28.120
<v Speaker 1>You just have to be so careful. I feel like

0:14:28.160 --> 0:14:33.800
<v Speaker 1>people always target you know, this population of folks. I mean,

0:14:33.840 --> 0:14:35.600
<v Speaker 1>have you have you heard the other one too, where

0:14:35.600 --> 0:14:40.280
<v Speaker 1>it's like those sweep steaks. You know those sweepstakes, No,

0:14:40.440 --> 0:14:42.800
<v Speaker 1>which one the ones where they come to your house

0:14:42.840 --> 0:14:44.320
<v Speaker 1>with the big clearing house swepstakes.

0:14:44.640 --> 0:14:46.200
<v Speaker 2>Oh yeah, publish the calearing house.

0:14:46.240 --> 0:14:49.120
<v Speaker 1>That's probably yeah, forever. Yeah. And so you know, so

0:14:49.160 --> 0:14:51.160
<v Speaker 1>there's like this scam that was going on, but it

0:14:51.200 --> 0:14:54.280
<v Speaker 1>targets These type of things typically target the older population.

0:14:54.840 --> 0:14:56.320
<v Speaker 1>And so if you've got older people in your life,

0:14:56.360 --> 0:14:58.920
<v Speaker 1>really checking in on them, because it's very easy for

0:14:59.040 --> 0:15:02.320
<v Speaker 1>people to get over because you know, you get to

0:15:02.320 --> 0:15:03.840
<v Speaker 1>a certain age, I feel like you're maybe a little

0:15:03.840 --> 0:15:06.360
<v Speaker 1>bit more trusting, a little bit more open, I don't know.

0:15:06.840 --> 0:15:09.880
<v Speaker 1>So this is terrible honestly. So what's the high note, Maandra?

0:15:10.400 --> 0:15:12.880
<v Speaker 2>Well, first, Tming, Well, before I get to the high note,

0:15:12.880 --> 0:15:14.920
<v Speaker 2>I will say, I know this is a very hot topic.

0:15:14.960 --> 0:15:17.320
<v Speaker 2>I'm sure we'll get some emails who were mad at

0:15:17.360 --> 0:15:20.960
<v Speaker 2>me for mentioning MLMs. But listen the proofs in the pudding. Okay,

0:15:21.240 --> 0:15:24.400
<v Speaker 2>less than half of people according to the survey, or

0:15:24.480 --> 0:15:27.480
<v Speaker 2>not nearly half of people according to the survey, lost money,

0:15:27.520 --> 0:15:30.720
<v Speaker 2>and one quarter made no money. So before you sign

0:15:30.800 --> 0:15:33.880
<v Speaker 2>up for your BFFs or your aunts, you know, to

0:15:33.960 --> 0:15:36.880
<v Speaker 2>sell this or sell that, just actually look at the

0:15:36.920 --> 0:15:40.680
<v Speaker 2>math and see if you really will make any wealth

0:15:40.720 --> 0:15:42.720
<v Speaker 2>from that type of organization.

0:15:42.760 --> 0:15:45.840
<v Speaker 1>I'm not gonna lie. I'm I'm unabashedly anti MLM. I

0:15:46.560 --> 0:15:48.880
<v Speaker 1>don't care if people like will be like, oh but Tiffany, like,

0:15:49.280 --> 0:15:52.560
<v Speaker 1>I get it, that avon and what is the other

0:15:52.600 --> 0:15:54.360
<v Speaker 1>one that actually is like a kind of like real

0:15:55.960 --> 0:15:59.160
<v Speaker 1>Mary Kay, I get it, But you know what the

0:15:59.240 --> 0:16:01.600
<v Speaker 1>fact is, if you're not most people are the level

0:16:01.600 --> 0:16:04.520
<v Speaker 1>of work required. Most people don't have the time or

0:16:04.680 --> 0:16:07.560
<v Speaker 1>the inclination. So even if it's actually like a real company,

0:16:07.600 --> 0:16:09.520
<v Speaker 1>which most are not real. I mean they might rea

0:16:09.600 --> 0:16:13.320
<v Speaker 1>real companies on paper, but like not real company and actuality.

0:16:14.640 --> 0:16:18.640
<v Speaker 1>Most people don't have the you know, it takes a

0:16:18.640 --> 0:16:20.160
<v Speaker 1>lot of selling. You have to really have a certain

0:16:20.160 --> 0:16:22.120
<v Speaker 1>personality for it. So most people are just not built

0:16:22.160 --> 0:16:24.360
<v Speaker 1>for it. I know, I'm not not for that, not

0:16:24.440 --> 0:16:27.400
<v Speaker 1>for someone else's company. So it's usually just not a

0:16:27.440 --> 0:16:30.400
<v Speaker 1>good thing unless for it's almost like one of those

0:16:30.400 --> 0:16:34.440
<v Speaker 1>things called when you go on that little cheap vacation

0:16:34.920 --> 0:16:37.920
<v Speaker 1>and then they try to sell you. What are those

0:16:38.800 --> 0:16:41.880
<v Speaker 1>time shares? Time share? Time shares work out for like

0:16:41.920 --> 0:16:44.200
<v Speaker 1>two percent of people who buy them. Yep, you know,

0:16:44.440 --> 0:16:48.520
<v Speaker 1>like so is a timeshare completely like nobody share buy

0:16:48.560 --> 0:16:50.800
<v Speaker 1>time share? No. I've literally met a handful of people

0:16:50.840 --> 0:16:54.400
<v Speaker 1>where worked out amazingly, But for ninety eight point nine

0:16:54.520 --> 0:16:56.840
<v Speaker 1>nine percent of the people, timeshare has a terrible idea.

0:16:57.280 --> 0:16:59.520
<v Speaker 1>So I'm gonna make a blanket statement and say, don't

0:16:59.520 --> 0:17:02.400
<v Speaker 1>do a time don't do it MLM because for most

0:17:02.440 --> 0:17:04.840
<v Speaker 1>people it just doesn't work out. And if you're one

0:17:04.880 --> 0:17:07.520
<v Speaker 1>of the one to two percent that it works out, great,

0:17:07.760 --> 0:17:09.800
<v Speaker 1>You're at the top of the pyramid. You made your

0:17:09.840 --> 0:17:12.080
<v Speaker 1>million while everybody else has suffered.

0:17:12.840 --> 0:17:15.600
<v Speaker 2>You suck boo.

0:17:17.320 --> 0:17:17.600
<v Speaker 1>Petty.

0:17:18.200 --> 0:17:20.879
<v Speaker 2>Okay, that was that was my break and I, and

0:17:21.000 --> 0:17:22.680
<v Speaker 2>I'm interested to see what you guys have to say

0:17:22.680 --> 0:17:25.040
<v Speaker 2>about MLM, So send us an email at Brand Ambition

0:17:25.119 --> 0:17:28.359
<v Speaker 2>podcast at gmail dot com, or hit us up on

0:17:28.400 --> 0:17:31.200
<v Speaker 2>Twitter at the BA Podcast. You can instagram us at

0:17:31.240 --> 0:17:35.080
<v Speaker 2>Brand Ambition Podcasts. We are everywhere. If you can't find us,

0:17:35.080 --> 0:17:38.560
<v Speaker 2>it's your problem.

0:17:37.040 --> 0:17:37.400
<v Speaker 1>All right.

0:17:37.440 --> 0:17:40.240
<v Speaker 2>So my high note, I almost I caught myself from

0:17:40.240 --> 0:17:43.240
<v Speaker 2>doing my boost during the previous question that we answered

0:17:43.280 --> 0:17:45.480
<v Speaker 2>about credit cards, but I did want to give a

0:17:45.520 --> 0:17:48.800
<v Speaker 2>boost to the little workhorse that is a City Double

0:17:48.840 --> 0:17:51.879
<v Speaker 2>Cash card because it has been so clutch for us.

0:17:51.920 --> 0:17:53.800
<v Speaker 2>I don't know if well you guys are just starting

0:17:53.800 --> 0:17:56.520
<v Speaker 2>your renovation, but especially for all the little things that

0:17:56.520 --> 0:17:59.240
<v Speaker 2>we've purchased for the house. Like I said, there's no

0:17:59.440 --> 0:18:02.560
<v Speaker 2>like reward. There aren't very good home improvement rewards cards

0:18:02.560 --> 0:18:04.439
<v Speaker 2>like you can get a Home Depot card or a

0:18:04.440 --> 0:18:06.520
<v Speaker 2>Low's card, but they don't have the best benefit, and

0:18:06.560 --> 0:18:08.679
<v Speaker 2>then you don't get any rewards if you don't shop

0:18:08.960 --> 0:18:12.040
<v Speaker 2>outside of those stores. So we've been using City Double

0:18:12.080 --> 0:18:15.280
<v Speaker 2>Cash to get two percent cash back on all purchases

0:18:15.320 --> 0:18:17.600
<v Speaker 2>you use the card for, and we've made I was

0:18:17.640 --> 0:18:19.520
<v Speaker 2>just looking at my statement. I think we've made close

0:18:19.560 --> 0:18:22.199
<v Speaker 2>to eight hundred dollars cash back in just the last

0:18:23.000 --> 0:18:25.840
<v Speaker 2>few months. And it's not the only reason that this

0:18:25.920 --> 0:18:28.200
<v Speaker 2>card is awesome. And it sounds like I'm doing an ad,

0:18:28.240 --> 0:18:30.119
<v Speaker 2>but I promise this is I'm not endorsing them. We

0:18:30.160 --> 0:18:31.840
<v Speaker 2>don't get paid by them. It's just a cool car

0:18:31.920 --> 0:18:35.000
<v Speaker 2>that I like. They also have this feature called City

0:18:35.040 --> 0:18:38.280
<v Speaker 2>Price Rewind, which have you ever used this card or

0:18:38.280 --> 0:18:43.080
<v Speaker 2>this benefit City Price It is so clutch. So my

0:18:43.160 --> 0:18:46.159
<v Speaker 2>husband has become this amazing deal hound for you know,

0:18:46.440 --> 0:18:48.760
<v Speaker 2>me buying an oven, or a washer, or a dryer,

0:18:49.359 --> 0:18:52.040
<v Speaker 2>or even the toilets or smoke detectors or what are

0:18:52.040 --> 0:18:54.679
<v Speaker 2>these little things that you buy and City Price re

0:18:54.760 --> 0:18:56.680
<v Speaker 2>one if you buy it with your City Card if

0:18:56.680 --> 0:18:59.240
<v Speaker 2>the price drops, I think it's I forget what the

0:18:59.240 --> 0:19:01.240
<v Speaker 2>time period is, but it's a good amount of time

0:19:01.600 --> 0:19:04.080
<v Speaker 2>in the future. They will actually they will actually find

0:19:04.080 --> 0:19:05.840
<v Speaker 2>if a price drops, and if it does, they will

0:19:05.840 --> 0:19:07.000
<v Speaker 2>refund you the money.

0:19:07.200 --> 0:19:08.720
<v Speaker 1>So we have saved I need to.

0:19:08.640 --> 0:19:10.800
<v Speaker 2>Add it up, but I know we've saved about five

0:19:10.880 --> 0:19:14.200
<v Speaker 2>hundred dollars or more, excuse me, from the price of

0:19:14.240 --> 0:19:17.560
<v Speaker 2>our washer. Dryer dropped a couple hundred dollars at best

0:19:17.600 --> 0:19:19.960
<v Speaker 2>Buy and you don't have to do anything like it

0:19:20.119 --> 0:19:22.080
<v Speaker 2>just does the work for you. And then you get

0:19:22.080 --> 0:19:22.560
<v Speaker 2>an email.

0:19:23.040 --> 0:19:24.600
<v Speaker 1>Yeah, but it's it called again, I'm gonna apply.

0:19:25.119 --> 0:19:28.000
<v Speaker 2>So it's the City I don't it's a City Price Sorry,

0:19:28.000 --> 0:19:30.359
<v Speaker 2>it's a City Double Cash card and the future is

0:19:30.400 --> 0:19:34.200
<v Speaker 2>called City Price Rewind and they may offer that benefit

0:19:34.280 --> 0:19:37.399
<v Speaker 2>for other city cards. I'm not entirely sure, but definitely

0:19:37.440 --> 0:19:39.919
<v Speaker 2>on the City Double Cash Card they do. And it

0:19:39.960 --> 0:19:41.360
<v Speaker 2>has been awesome.

0:19:42.520 --> 0:19:45.439
<v Speaker 1>No, because I remember I signed up for the you

0:19:45.480 --> 0:19:49.480
<v Speaker 1>know Chase what is it really really called the Chase,

0:19:49.480 --> 0:19:51.080
<v Speaker 1>the one where like one hundred thousand points? Oh?

0:19:51.160 --> 0:19:53.119
<v Speaker 2>Yeah, the Chase Sapphire Reserve.

0:19:53.800 --> 0:19:56.520
<v Speaker 1>Yeah, so I signed up for the Chase Sapphire. Ooh

0:19:56.600 --> 0:19:58.960
<v Speaker 1>you know what? I think I told Genie by the

0:19:58.960 --> 0:20:01.080
<v Speaker 1>wrong thing. Oh well, anyway, because I was all on

0:20:01.119 --> 0:20:02.840
<v Speaker 1>the real she was asking me like, what card do

0:20:02.880 --> 0:20:04.080
<v Speaker 1>you have? You know me? I'm like, why are you

0:20:04.119 --> 0:20:06.320
<v Speaker 1>asking me questions that I have to remember things? I

0:20:06.400 --> 0:20:08.600
<v Speaker 1>was like the Venture. She said, you like that better

0:20:08.640 --> 0:20:10.240
<v Speaker 1>than the Reserve. I was like, yeah, girl, of me,

0:20:10.359 --> 0:20:13.680
<v Speaker 1>while I don't have the Venture anyway, she should be fine.

0:20:13.720 --> 0:20:15.600
<v Speaker 1>I shouldn't be your Jesus of credit card.

0:20:15.680 --> 0:20:20.480
<v Speaker 2>She's not called the credit card needs to you guys.

0:20:19.400 --> 0:20:21.560
<v Speaker 1>But it wasn't online. It was just like her personally.

0:20:22.560 --> 0:20:25.879
<v Speaker 1>But anyway, I got that card, and I Superman was

0:20:25.960 --> 0:20:28.480
<v Speaker 1>just saying, we need to get because we're starting to

0:20:28.480 --> 0:20:30.280
<v Speaker 1>get into the like right now, the thing that the

0:20:30.280 --> 0:20:33.000
<v Speaker 1>contractor is doing. We haven't had to buy anything yet,

0:20:34.160 --> 0:20:36.560
<v Speaker 1>so but you know, we're getting into the stage where

0:20:36.560 --> 0:20:38.679
<v Speaker 1>we're gonna like, we have to buy a tub and

0:20:38.720 --> 0:20:42.080
<v Speaker 1>we have to start getting tile, and so I think

0:20:42.200 --> 0:20:44.840
<v Speaker 1>it's time for us. So Superman wanted to get a

0:20:44.880 --> 0:20:46.960
<v Speaker 1>home Depot card, but I think I like this better

0:20:47.000 --> 0:20:51.320
<v Speaker 1>because we're not just getting things from Home Depot. So hmmm,

0:20:51.600 --> 0:20:53.800
<v Speaker 1>City double cash card. He's gonna be so pissed when

0:20:53.800 --> 0:20:57.000
<v Speaker 1>I some Mandy suggested. He's gonna be like I suggested

0:20:57.119 --> 0:20:59.000
<v Speaker 1>we get a card of like I know, but the

0:20:59.080 --> 0:21:02.880
<v Speaker 1>wrong one, you know how like I always follow advice

0:21:03.040 --> 0:21:06.359
<v Speaker 1>from other people, sometimes more than you know the source. Eventually,

0:21:07.040 --> 0:21:09.240
<v Speaker 1>and yeah.

0:21:08.600 --> 0:21:11.480
<v Speaker 2>That's okay, don't tell him, I said it. Just just

0:21:11.520 --> 0:21:13.399
<v Speaker 2>be like, oh, remember when you said that's a really

0:21:13.440 --> 0:21:14.240
<v Speaker 2>smart thing.

0:21:15.480 --> 0:21:17.000
<v Speaker 1>And I'm learning, right, I'm gonna be like, you know what,

0:21:17.320 --> 0:21:19.320
<v Speaker 1>you were totally right. So I started to look into cards,

0:21:19.480 --> 0:21:20.800
<v Speaker 1>and I said, well, what set up that looks you

0:21:20.920 --> 0:21:24.359
<v Speaker 1>get this. You're just so smart. That's exactly what I'll do.

0:21:24.560 --> 0:21:28.159
<v Speaker 1>See look at us wiping one on one.

0:21:27.720 --> 0:21:29.520
<v Speaker 2>And I will note. Because we know that the Chase

0:21:29.560 --> 0:21:31.920
<v Speaker 2>out Fire Reserve has a high annual fee four hundred

0:21:31.920 --> 0:21:34.119
<v Speaker 2>and fifty dollars to say double cash. What makes it

0:21:34.119 --> 0:21:36.640
<v Speaker 2>even better is that there's no annual fee and there's

0:21:36.680 --> 0:21:39.520
<v Speaker 2>no foreign transaction fee either. So if you need if

0:21:39.520 --> 0:21:41.760
<v Speaker 2>you're looking for a no annual fee travel card, I

0:21:41.760 --> 0:21:44.480
<v Speaker 2>mean it has. It's just a great all around card.

0:21:44.560 --> 0:21:48.240
<v Speaker 2>There's even I think an intro balance transfer offer. It's

0:21:48.280 --> 0:21:50.080
<v Speaker 2>pretty dope. I don't know what took me so long

0:21:50.080 --> 0:21:52.360
<v Speaker 2>to sign up for this card, but I love it,

0:21:52.880 --> 0:21:55.960
<v Speaker 2>love it, love it, and that is my boost.

0:21:56.400 --> 0:21:56.800
<v Speaker 1>Okay.

0:21:57.560 --> 0:21:59.400
<v Speaker 2>I carry the way that that Brown Boost Brown Break

0:21:59.440 --> 0:22:01.440
<v Speaker 2>today you did.

0:22:02.600 --> 0:22:03.480
<v Speaker 1>That was that was the.

0:22:19.080 --> 0:22:21.919
<v Speaker 2>Let's get let's get into this this email inbox and

0:22:21.960 --> 0:22:25.520
<v Speaker 2>answer some questions. How about that? Okay? So you guys

0:22:25.560 --> 0:22:30.320
<v Speaker 2>know you can hit us up at Brandambisson podcast dot com. Okay,

0:22:30.760 --> 0:22:34.639
<v Speaker 2>and uh I left it. I'm like opening, like the

0:22:34.720 --> 0:22:38.080
<v Speaker 2>goalpost is open. All they gotta do is bring it

0:22:38.160 --> 0:22:42.320
<v Speaker 2>home to brandibision podcast dot.

0:22:42.200 --> 0:22:44.400
<v Speaker 1>Com dot com.

0:22:44.440 --> 0:22:47.680
<v Speaker 2>Got it and ask us anything on the website, where

0:22:47.680 --> 0:22:50.800
<v Speaker 2>you can email us directly at brandibision podcast at gmail

0:22:50.800 --> 0:22:54.800
<v Speaker 2>dot com with your questions. Yeah, we have a couple

0:22:54.800 --> 0:22:57.960
<v Speaker 2>of awesome questions for today. What should we start with? Okay,

0:22:57.960 --> 0:23:01.639
<v Speaker 2>so this one, this law school unit. I think I

0:23:01.720 --> 0:23:03.439
<v Speaker 2>like her questions, so we'll start with her. She as

0:23:04.280 --> 0:23:09.000
<v Speaker 2>remain anonymous. Her question is a cry for help. She says, Hello,

0:23:09.080 --> 0:23:11.919
<v Speaker 2>I'm a first year law student at a prestigious law school.

0:23:12.160 --> 0:23:14.560
<v Speaker 2>I'm twenty two years old and we'll be approaching twenty

0:23:14.600 --> 0:23:18.560
<v Speaker 2>five when I graduate. I currently have eleven thousand dollars

0:23:18.600 --> 0:23:21.439
<v Speaker 2>in student loan debt from my undergrad but I'm on

0:23:21.560 --> 0:23:24.159
<v Speaker 2>track to have one hundred and fifty thousand dollars in

0:23:24.240 --> 0:23:27.800
<v Speaker 2>debt from law school. I'd like to know what I

0:23:27.840 --> 0:23:30.800
<v Speaker 2>can do to become more knowledgeable about finances so I

0:23:30.840 --> 0:23:34.280
<v Speaker 2>can make the best financial decisions in law school and after.

0:23:34.600 --> 0:23:37.520
<v Speaker 2>My goal is to be debt free by thirty and

0:23:37.600 --> 0:23:40.760
<v Speaker 2>my credit score is currently seven hundred and thirty.

0:23:42.359 --> 0:23:46.400
<v Speaker 1>Help. So how much does she currently have or he

0:23:46.480 --> 0:23:46.919
<v Speaker 1>currently have?

0:23:47.080 --> 0:23:49.760
<v Speaker 2>He only has eleven thousand dollars in debt right now

0:23:49.840 --> 0:23:52.960
<v Speaker 2>from undergrad but she's on track to have so over

0:23:53.000 --> 0:23:56.320
<v Speaker 2>three years, it's not unusual. Actually, three years of law school,

0:23:56.400 --> 0:24:00.240
<v Speaker 2>she'll have one hundred and fifty thousand dollars in debt,

0:24:00.280 --> 0:24:03.280
<v Speaker 2>which a lot of it like many law school students.

0:24:03.320 --> 0:24:04.879
<v Speaker 2>She doesn't say, but I'm assuming a lot of that

0:24:05.000 --> 0:24:07.240
<v Speaker 2>is going to be private school debt, because well, I

0:24:07.240 --> 0:24:09.800
<v Speaker 2>think you max out a certain level of federal student

0:24:09.840 --> 0:24:11.639
<v Speaker 2>loans you can take. Or maybe I'm wrong, but it

0:24:11.680 --> 0:24:15.320
<v Speaker 2>could be federal or private. But one hundred and fifty k.

0:24:17.200 --> 0:24:19.480
<v Speaker 2>So let's talk about her options, because she's nos she's

0:24:19.520 --> 0:24:21.439
<v Speaker 2>graduating with this debt. She wants to get ahead of it.

0:24:22.960 --> 0:24:25.600
<v Speaker 1>Honestly, I would put a lot of work and I

0:24:25.640 --> 0:24:27.520
<v Speaker 1>didn't do this, and I'm kind of disappointed because I'm

0:24:27.520 --> 0:24:32.159
<v Speaker 1>sure I could have gotten least some assistance. I would put, like,

0:24:32.440 --> 0:24:34.320
<v Speaker 1>I'm assuming you're not in law school yet, so whatever

0:24:34.440 --> 0:24:36.400
<v Speaker 1>that kind of six months a year breakup. I guess

0:24:36.440 --> 0:24:38.879
<v Speaker 1>I don't know from when you graduate UNDERGRADU to when

0:24:38.920 --> 0:24:40.359
<v Speaker 1>you enter law school she is.

0:24:40.760 --> 0:24:43.399
<v Speaker 2>She says, I'm a first year law school student. Sounds

0:24:43.440 --> 0:24:44.600
<v Speaker 2>like she's already in school.

0:24:44.680 --> 0:24:47.840
<v Speaker 1>Yeah, okay, because honestly, one of the regrets that I

0:24:47.880 --> 0:24:50.600
<v Speaker 1>made when I went when I got my master's degree

0:24:50.640 --> 0:24:52.720
<v Speaker 1>is that I didn't put hardly any effort into looking

0:24:52.760 --> 0:24:57.560
<v Speaker 1>for like scholarships and assistants, you know, And even if

0:24:57.600 --> 0:25:00.919
<v Speaker 1>it was ten thousand dollars, like over time of the

0:25:01.000 --> 0:25:03.480
<v Speaker 1>interest that that ten thousand dollars recruit and what I

0:25:03.480 --> 0:25:06.760
<v Speaker 1>owe now, it would have saved me a lot of money.

0:25:07.640 --> 0:25:10.320
<v Speaker 1>So it's not too late, obviously, but I you know,

0:25:10.400 --> 0:25:13.240
<v Speaker 1>I would set aside some time to look to see

0:25:13.600 --> 0:25:16.720
<v Speaker 1>what kind of assistance you can possibly drum up. Because

0:25:17.480 --> 0:25:20.480
<v Speaker 1>student loan forgives they've already changed. I was reading an article,

0:25:20.600 --> 0:25:23.399
<v Speaker 1>but forgiveness is not the same. Like, you know, the

0:25:23.400 --> 0:25:27.879
<v Speaker 1>President had been threatening to dismantle student loan forgiveness at

0:25:27.960 --> 0:25:29.920
<v Speaker 1>least as we know it, and for the most part

0:25:29.960 --> 0:25:34.920
<v Speaker 1>he has. So the the ability to get your loan

0:25:35.000 --> 0:25:37.320
<v Speaker 1>forgiven is not the You just don't have the same

0:25:37.359 --> 0:25:41.320
<v Speaker 1>opportunity to do so. And I just I mean, one

0:25:41.320 --> 0:25:44.920
<v Speaker 1>of my mentees is as a law a lawyer now.

0:25:45.160 --> 0:25:48.879
<v Speaker 1>But I remember when she first graduated, her her loan payment,

0:25:48.920 --> 0:25:51.959
<v Speaker 1>Mandy was like nine hundred dollars a month, and I

0:25:52.000 --> 0:25:56.800
<v Speaker 1>was like, wait, I've heard worse I've heard I don't

0:25:56.840 --> 0:25:58.640
<v Speaker 1>even know what that means. She was like, so, I'm

0:25:58.640 --> 0:26:00.000
<v Speaker 1>never I'm just never gonna move out of my mind.

0:26:00.520 --> 0:26:02.520
<v Speaker 1>I'm just I'm just going to live here forever. And

0:26:02.560 --> 0:26:05.760
<v Speaker 1>thankfully she opened up her scope of where she could

0:26:05.760 --> 0:26:08.000
<v Speaker 1>work as she's from Jersey. She ended up finding a

0:26:08.080 --> 0:26:10.080
<v Speaker 1>job in Connecticut. I want to say that paid really,

0:26:10.080 --> 0:26:14.080
<v Speaker 1>really well. So one of the things I remember, she

0:26:14.240 --> 0:26:18.560
<v Speaker 1>wanted to get a really fancy apartment and I talked

0:26:18.560 --> 0:26:20.840
<v Speaker 1>her into not doing so. I think the apartment she

0:26:20.880 --> 0:26:23.199
<v Speaker 1>wanted to get was like twenty two or twenty three

0:26:23.280 --> 0:26:26.080
<v Speaker 1>hundred dollars a month, and I was like, mentee, I

0:26:26.119 --> 0:26:30.520
<v Speaker 1>hear you, but then you're just going to be beholden

0:26:30.520 --> 0:26:32.560
<v Speaker 1>to that apartment. So I was able to go online

0:26:33.280 --> 0:26:36.080
<v Speaker 1>and find like a less expensive apartment. I think we

0:26:36.119 --> 0:26:38.359
<v Speaker 1>found one for like seventeen hundred, but it was still

0:26:38.359 --> 0:26:40.119
<v Speaker 1>really nice. It was actually really close to where she

0:26:40.200 --> 0:26:44.399
<v Speaker 1>was working. So if you can't find assistance, like with

0:26:44.560 --> 0:26:48.440
<v Speaker 1>your actual loans, just making sure that you're making the

0:26:48.520 --> 0:26:51.159
<v Speaker 1>right choices with how you're spending the money. Cause I'm

0:26:51.160 --> 0:26:53.200
<v Speaker 1>assuming right in law school that some of that money

0:26:53.240 --> 0:26:57.040
<v Speaker 1>is used for like housing and all that kind of stuff. Correct, Oh,

0:26:57.119 --> 0:26:57.440
<v Speaker 1>I don't know.

0:26:57.480 --> 0:27:00.000
<v Speaker 2>I don't know what law school. No, I don't know,

0:27:00.000 --> 0:27:02.159
<v Speaker 2>so I'm assuming it's for tuition and room and board,

0:27:02.560 --> 0:27:06.040
<v Speaker 2>but I don't know for sure. I want to say,

0:27:06.080 --> 0:27:09.600
<v Speaker 2>with law school one, you're entering what I don't know

0:27:09.600 --> 0:27:11.320
<v Speaker 2>what your focus is going to be, but what could

0:27:11.400 --> 0:27:15.160
<v Speaker 2>potentially be a really high paying job. And the law

0:27:15.160 --> 0:27:17.080
<v Speaker 2>school grads that I know, A couple of my friends

0:27:17.119 --> 0:27:19.639
<v Speaker 2>in New York have managed to pay off their student

0:27:19.680 --> 0:27:22.000
<v Speaker 2>loan debt and it was six figures as well, within

0:27:22.040 --> 0:27:24.520
<v Speaker 2>a few years. Because with law schools private law firms,

0:27:24.560 --> 0:27:27.760
<v Speaker 2>you have the opportunity to make bonuses and really fat

0:27:28.920 --> 0:27:31.359
<v Speaker 2>signing bonuses even sometimes, and then you get like annual

0:27:31.400 --> 0:27:35.159
<v Speaker 2>bonuses that help pay off those student loans. So it's different,

0:27:35.200 --> 0:27:37.760
<v Speaker 2>you know, a law school grad versus like I don't

0:27:37.800 --> 0:27:40.439
<v Speaker 2>know a teacher with one hundred and fifty thousand dollars

0:27:40.840 --> 0:27:44.080
<v Speaker 2>you know, student loan debt, it's almost less scary. I mean,

0:27:44.119 --> 0:27:47.119
<v Speaker 2>it's still obviously a ton of debt, but because of

0:27:47.119 --> 0:27:49.800
<v Speaker 2>your profession, you may be set up to pay it

0:27:49.840 --> 0:27:52.359
<v Speaker 2>off a lot more quickly than other professions. And t

0:27:52.359 --> 0:27:55.680
<v Speaker 2>if you mentioned loan forgiveness, programs. There are a lot

0:27:55.680 --> 0:28:00.280
<v Speaker 2>of states offer loan assistance programs for lawyers, if you're

0:28:00.280 --> 0:28:02.760
<v Speaker 2>willing to like nurses or teachers, if you're willing to

0:28:02.800 --> 0:28:07.120
<v Speaker 2>work in certain areas, less desirable areas or areas where

0:28:07.119 --> 0:28:11.719
<v Speaker 2>there's higher poverty rates, they sometimes offer loan forgiveness through

0:28:11.760 --> 0:28:15.800
<v Speaker 2>those programs. And there's a website called the Equal Justice

0:28:15.840 --> 0:28:20.639
<v Speaker 2>Works Directory. I'm getting this information from our Magnified Money's

0:28:20.680 --> 0:28:23.880
<v Speaker 2>Guide to Loan Forgiveness where we break it down by profession.

0:28:23.960 --> 0:28:27.520
<v Speaker 2>So I'm happy to send this your way because there

0:28:27.520 --> 0:28:29.400
<v Speaker 2>are some state programs maybe you want to look into

0:28:29.440 --> 0:28:33.840
<v Speaker 2>for loan forgiveness and you can't, I know, if they're

0:28:33.880 --> 0:28:36.560
<v Speaker 2>private student loans and you have you graduate and they

0:28:36.560 --> 0:28:39.720
<v Speaker 2>have pretty high interest rates, you can look into refinancing

0:28:40.960 --> 0:28:43.120
<v Speaker 2>your student loans to get a lower interest rate, especially

0:28:43.120 --> 0:28:45.040
<v Speaker 2>if your credit score, like you said, is seven thirty.

0:28:45.480 --> 0:28:47.880
<v Speaker 2>That's awesome, and you may be able to refinance and

0:28:47.920 --> 0:28:51.120
<v Speaker 2>get a lower rate after you get out of school

0:28:51.160 --> 0:28:53.000
<v Speaker 2>and stay on top of those.

0:28:53.960 --> 0:28:57.080
<v Speaker 1>Yeah, I mean it's hard. I mean because luckily you're

0:28:57.080 --> 0:28:59.040
<v Speaker 1>in a profession that does tend to pay, you know,

0:28:59.200 --> 0:29:03.080
<v Speaker 1>pay really well. But you're also entering into into a

0:29:03.120 --> 0:29:06.360
<v Speaker 1>profession that we're it garners just a lot of debt,

0:29:06.640 --> 0:29:10.000
<v Speaker 1>So just being mindful of how much you're borrowing, that

0:29:10.040 --> 0:29:13.600
<v Speaker 1>you're you're not borrowing more than you need, and two afterwards,

0:29:13.640 --> 0:29:16.320
<v Speaker 1>making choices that are going to allow you to pay

0:29:16.320 --> 0:29:17.520
<v Speaker 1>that debt off faster.

0:29:19.440 --> 0:29:22.160
<v Speaker 2>Yes, ma'am. And don't start living that high paid lawyer

0:29:22.160 --> 0:29:24.000
<v Speaker 2>lifestyle as soon as you just start getting paid, because

0:29:24.040 --> 0:29:26.400
<v Speaker 2>remember you haven't actually earned the money yet, you know,

0:29:27.000 --> 0:29:30.600
<v Speaker 2>like take it paycheck by paycheck, and don't just don't

0:29:30.600 --> 0:29:33.200
<v Speaker 2>forget about that debt and any you know. She mentions

0:29:33.200 --> 0:29:35.960
<v Speaker 2>that if you're in law school, you can get a

0:29:35.960 --> 0:29:38.280
<v Speaker 2>good summer internship that may net you up to thirty

0:29:38.320 --> 0:29:41.040
<v Speaker 2>thousand dollars in one summer. Okay, great, So see if

0:29:41.080 --> 0:29:43.320
<v Speaker 2>you can go ahead and make payments on your student

0:29:43.360 --> 0:29:45.800
<v Speaker 2>loans to get ahead of it, because she says that

0:29:45.800 --> 0:29:48.080
<v Speaker 2>that one hundred and fifty thousand dollars is already starting

0:29:48.120 --> 0:29:51.200
<v Speaker 2>to accrue interest, So if you can make a payment

0:29:51.200 --> 0:29:55.480
<v Speaker 2>even while you're in school, that would obviously be even better.

0:29:57.000 --> 0:29:57.400
<v Speaker 1>Yeah.

0:29:57.480 --> 0:30:01.600
<v Speaker 2>Yeah, but good luck, And let me know what area

0:30:01.640 --> 0:30:03.160
<v Speaker 2>of law you go into. Maybe I'll give you a

0:30:03.160 --> 0:30:07.720
<v Speaker 2>call one day and maybe be a client who knows.

0:30:08.360 --> 0:30:12.520
<v Speaker 2>Thank you for your question. All right, next question. This

0:30:12.560 --> 0:30:16.640
<v Speaker 2>comes from another anonymous listener. Okay, she says another. Our

0:30:16.680 --> 0:30:19.280
<v Speaker 2>last episode last week was a little bit about financial fomo.

0:30:19.800 --> 0:30:23.320
<v Speaker 2>She has kind of a credit card fomo experience, she says.

0:30:23.520 --> 0:30:26.400
<v Speaker 2>One of my coworkers recently shared with me how she's

0:30:26.440 --> 0:30:28.920
<v Speaker 2>been able to fund all of her fabulous trips with

0:30:28.920 --> 0:30:32.240
<v Speaker 2>her husband with travel and rewards credit cards. I'd like

0:30:32.280 --> 0:30:34.120
<v Speaker 2>to sign up for one so my husband can take

0:30:34.160 --> 0:30:36.840
<v Speaker 2>more trips, but I'm not sure which is the best option,

0:30:36.960 --> 0:30:39.320
<v Speaker 2>and also I don't want to have too much open

0:30:39.360 --> 0:30:43.160
<v Speaker 2>credit available. We're in good financial standing with eight hundred

0:30:43.200 --> 0:30:46.480
<v Speaker 2>plus credit scores, but don't want to jeopardize our position

0:30:46.560 --> 0:30:52.240
<v Speaker 2>by overextending ourselves. Question is is there a certain number

0:30:52.280 --> 0:30:55.080
<v Speaker 2>of credit cards that are too much? And what is

0:30:55.120 --> 0:30:58.040
<v Speaker 2>the best option if we're looking for travel and rewards

0:30:58.120 --> 0:31:03.360
<v Speaker 2>credit cards to maximize points for travel. Sincerely, Anonymous.

0:31:05.480 --> 0:31:08.600
<v Speaker 1>Well, I understand not wanting to have too much credit

0:31:08.600 --> 0:31:12.040
<v Speaker 1>cards open. I don't know that there's like a specific number.

0:31:12.120 --> 0:31:15.080
<v Speaker 1>I mean, there are like those super travel hacker guys

0:31:15.080 --> 0:31:18.960
<v Speaker 1>who have like a ton. I feel like two or three.

0:31:19.080 --> 0:31:21.640
<v Speaker 1>It's fine, I guess I mean three or less, but

0:31:21.720 --> 0:31:23.560
<v Speaker 1>I don't. I feel like it really all depends on

0:31:23.600 --> 0:31:24.600
<v Speaker 1>how responsible you.

0:31:24.560 --> 0:31:28.080
<v Speaker 2>Are, unless I have like ten, I don't know ten,

0:31:28.120 --> 0:31:28.760
<v Speaker 2>but I have ten.

0:31:29.560 --> 0:31:32.040
<v Speaker 1>But I mean, also you're responsible, so it's kind of like, well,

0:31:32.600 --> 0:31:36.120
<v Speaker 1>to me, it really depends on your level of responsibility.

0:31:36.200 --> 0:31:38.600
<v Speaker 1>So you know, you you could have a ton of

0:31:38.640 --> 0:31:42.160
<v Speaker 1>cards and you've got this great utilization rate because you're

0:31:42.160 --> 0:31:45.160
<v Speaker 1>not utilizing as much credit as you could, and that's fine,

0:31:45.720 --> 0:31:47.320
<v Speaker 1>and you can have one and be like, I'm good

0:31:47.320 --> 0:31:49.000
<v Speaker 1>to rock out with this. I feel like it really

0:31:49.040 --> 0:31:52.000
<v Speaker 1>just depends on it's not so many how many cards,

0:31:52.280 --> 0:31:56.240
<v Speaker 1>but how you're using them. And honestly, the best way

0:31:56.360 --> 0:31:59.440
<v Speaker 1>to use cards if you're wanting to use it for travel,

0:32:00.120 --> 0:32:03.320
<v Speaker 1>if you are responsible enough to do this, is to

0:32:03.600 --> 0:32:08.040
<v Speaker 1>put your bills on one on that travel card and

0:32:08.080 --> 0:32:10.600
<v Speaker 1>then paid off in full every month, and then that

0:32:10.680 --> 0:32:14.480
<v Speaker 1>way you're earning as many points as possible paying things

0:32:14.520 --> 0:32:17.120
<v Speaker 1>you were going to pay anyway. But to me, that's like,

0:32:17.240 --> 0:32:19.680
<v Speaker 1>you know, graduate level usage of credit cards, because what

0:32:19.680 --> 0:32:21.600
<v Speaker 1>you don't want is to put your bills on a

0:32:21.680 --> 0:32:23.080
<v Speaker 1>card and not be able to pay. So now you

0:32:23.160 --> 0:32:25.920
<v Speaker 1>owe bills and you owe credit card but if you're

0:32:26.160 --> 0:32:28.080
<v Speaker 1>you know, you've got a great automated system, and you're like,

0:32:28.080 --> 0:32:31.200
<v Speaker 1>you know, the household bills are you know, three thousand

0:32:31.200 --> 0:32:33.200
<v Speaker 1>and five thousand dollars a month, and we could pay

0:32:33.200 --> 0:32:35.040
<v Speaker 1>that off every month because we paid the bills anyway,

0:32:35.440 --> 0:32:37.000
<v Speaker 1>you know, you could certainly try that. I know people

0:32:37.000 --> 0:32:39.480
<v Speaker 1>who do that and get one or two trips a year.

0:32:40.160 --> 0:32:41.959
<v Speaker 1>What I do, because I have a business, is that

0:32:42.720 --> 0:32:47.200
<v Speaker 1>one of my marketing cards is a travel rewards card,

0:32:47.640 --> 0:32:50.160
<v Speaker 1>and so I spent a lot of money on marketing,

0:32:50.640 --> 0:32:54.120
<v Speaker 1>and so it can earn me anywhere from sometimes three

0:32:54.160 --> 0:32:58.320
<v Speaker 1>trips a year, certainly enough for flights, like three or

0:32:58.320 --> 0:33:01.000
<v Speaker 1>four flights a year. So that's the way I use that,

0:33:01.040 --> 0:33:04.160
<v Speaker 1>because we pay my business pays off it's credit card

0:33:04.200 --> 0:33:07.120
<v Speaker 1>every month, so I earn a good amount of trips.

0:33:07.120 --> 0:33:09.640
<v Speaker 1>Plus two, I travel a lot, and so I use

0:33:09.720 --> 0:33:11.360
<v Speaker 1>I earn a lot of money and or a lot

0:33:11.360 --> 0:33:13.960
<v Speaker 1>of flights and points. So that's what I would suggest

0:33:14.000 --> 0:33:17.000
<v Speaker 1>that there's nothing wrong with a credit card I use wisely.

0:33:18.160 --> 0:33:19.920
<v Speaker 1>But the only way you're going to really earn enough

0:33:19.920 --> 0:33:21.800
<v Speaker 1>points to do so is that if you actually use

0:33:21.840 --> 0:33:24.120
<v Speaker 1>that card and actually use it a lot, and the

0:33:24.280 --> 0:33:26.160
<v Speaker 1>easiest way to use it a lot is to use

0:33:26.200 --> 0:33:27.600
<v Speaker 1>it for things you're paying for anyway.

0:33:28.400 --> 0:33:31.120
<v Speaker 2>Yeah, if traveling, I would say the best travel credit

0:33:31.120 --> 0:33:32.840
<v Speaker 2>cards out there are ones that give you the most

0:33:32.880 --> 0:33:36.960
<v Speaker 2>points for traveling, So if you don't already travel consistently,

0:33:37.160 --> 0:33:39.400
<v Speaker 2>it can be difficult to accrue enough points to make

0:33:39.440 --> 0:33:43.200
<v Speaker 2>the card really worth it. And there are cards that

0:33:43.320 --> 0:33:45.920
<v Speaker 2>maybe you can spend enough to earn that sign up bonus,

0:33:45.960 --> 0:33:48.120
<v Speaker 2>which is nice, and maybe you'll get like fifty thousand

0:33:48.160 --> 0:33:50.840
<v Speaker 2>points and you can take a trip somewhere, But then

0:33:50.920 --> 0:33:53.480
<v Speaker 2>after that you may find it hard to accrue enough

0:33:53.520 --> 0:33:57.200
<v Speaker 2>points to really make a meaningful debt and travel expenses

0:33:57.280 --> 0:34:01.480
<v Speaker 2>unless you're really continuing to spend a large amount in

0:34:01.520 --> 0:34:04.600
<v Speaker 2>the key categories where you earn the most points, which

0:34:04.640 --> 0:34:07.520
<v Speaker 2>you know, for like the top cards like Chase Sapphire Reserve,

0:34:07.560 --> 0:34:09.840
<v Speaker 2>for example, you only get three points back on travel

0:34:09.880 --> 0:34:14.440
<v Speaker 2>related purchases or not travel and dining purchases, So if

0:34:14.480 --> 0:34:16.160
<v Speaker 2>you don't travel a lot or eat out a lot,

0:34:16.200 --> 0:34:18.760
<v Speaker 2>then maybe it wouldn't be the most, you know, wouldn't

0:34:18.760 --> 0:34:22.359
<v Speaker 2>make the most sense for you. There's like flat rate

0:34:22.440 --> 0:34:26.080
<v Speaker 2>cash back cards that maybe yeah, if you're not you know,

0:34:26.120 --> 0:34:29.080
<v Speaker 2>if you don't have any specific spending in any one category.

0:34:30.360 --> 0:34:32.680
<v Speaker 2>You know, a flat back, a flat cash back card

0:34:32.760 --> 0:34:36.520
<v Speaker 2>like a City Double Cash card, or ally has a

0:34:36.560 --> 0:34:38.880
<v Speaker 2>new credit card I think gives you two percent cash

0:34:38.920 --> 0:34:42.680
<v Speaker 2>back on some purchases. There are there's I like having

0:34:42.680 --> 0:34:45.880
<v Speaker 2>a good and I'll tell you through this. Through our renovation,

0:34:45.960 --> 0:34:50.719
<v Speaker 2>for example, we have been charging everything because it's not

0:34:50.760 --> 0:34:54.960
<v Speaker 2>like it doesn't fit any particular rewards category. The spending

0:34:55.040 --> 0:34:58.040
<v Speaker 2>like for tile and for toilets and crap. Unfortunately there's

0:34:58.040 --> 0:34:59.040
<v Speaker 2>no toilet credit card.

0:35:00.080 --> 0:35:00.800
<v Speaker 1>But we've been.

0:35:00.760 --> 0:35:03.400
<v Speaker 2>Using a flat back, a flat rate cash back car

0:35:03.480 --> 0:35:05.800
<v Speaker 2>the City Double Cash and we've made hundreds of dollars

0:35:05.840 --> 0:35:10.600
<v Speaker 2>back in our in our spending so far, which is nice.

0:35:10.640 --> 0:35:14.040
<v Speaker 2>And then I have my travel card for travel related

0:35:14.080 --> 0:35:19.080
<v Speaker 2>purchases that I use strategically there and if you're looking,

0:35:19.080 --> 0:35:20.840
<v Speaker 2>I knows you want I know you want the best option.

0:35:20.920 --> 0:35:23.520
<v Speaker 2>There's so many. I'm gonna send a link to a

0:35:23.560 --> 0:35:26.719
<v Speaker 2>couple of roundups on best travel credit cards and then

0:35:26.760 --> 0:35:29.320
<v Speaker 2>you can maybe pick the one that's right for you. Yeah,

0:35:29.440 --> 0:35:30.480
<v Speaker 2>that fits your lifestyle.

0:35:30.960 --> 0:35:33.359
<v Speaker 1>So depending on basically what kind of spending you do.

0:35:33.480 --> 0:35:36.960
<v Speaker 1>So you know, Mandy's right. Sometimes you're like, oh and

0:35:36.960 --> 0:35:39.600
<v Speaker 1>and too. You know, as you as you start to

0:35:39.640 --> 0:35:42.280
<v Speaker 1>travel more, if the card does work, really get loyal

0:35:42.320 --> 0:35:45.560
<v Speaker 1>to an airline because that's going to help maximize your card.

0:35:45.680 --> 0:35:49.800
<v Speaker 1>So look, wherever you fly out of typically, what airline

0:35:49.800 --> 0:35:53.160
<v Speaker 1>has a hub there. So for me, I live in Newark,

0:35:53.239 --> 0:35:55.680
<v Speaker 1>so nine times out of ten, I'm flying out of Newark,

0:35:56.080 --> 0:35:58.720
<v Speaker 1>and the hub for United has their hub in Newark.

0:35:58.800 --> 0:36:02.440
<v Speaker 1>So I'm loyal to you, not because of United in particular,

0:36:02.520 --> 0:36:06.080
<v Speaker 1>but because I know that I'm gonna have to fly

0:36:06.200 --> 0:36:10.239
<v Speaker 1>United anyway typically, so I'm able to earn points. So

0:36:10.560 --> 0:36:12.200
<v Speaker 1>even if like I just came back, I just taped

0:36:12.200 --> 0:36:14.759
<v Speaker 1>the real in La So even though I didn't pay

0:36:14.760 --> 0:36:18.040
<v Speaker 1>for my flight the producers did, I still got to

0:36:18.040 --> 0:36:21.200
<v Speaker 1>earn points. So I always remember to add my points,

0:36:21.239 --> 0:36:24.400
<v Speaker 1>so that way I'm adding earning points from the actual

0:36:24.400 --> 0:36:27.320
<v Speaker 1>airline and I'm earning points from the actual card. And

0:36:27.480 --> 0:36:30.560
<v Speaker 1>so when you know, when it's the next time I

0:36:30.600 --> 0:36:34.040
<v Speaker 1>go to travel somewhere, sometimes I'll buy my points with

0:36:34.160 --> 0:36:37.600
<v Speaker 1>my airline points, and then I'll buy my husband's flight

0:36:37.680 --> 0:36:39.839
<v Speaker 1>with his with the with the card points, and so

0:36:40.120 --> 0:36:41.960
<v Speaker 1>that way everybody wins.

0:36:43.800 --> 0:36:46.680
<v Speaker 2>That's awesome. Yeah, and if you've made purchases for your

0:36:46.680 --> 0:36:50.040
<v Speaker 2>office too, it's a good chance to earn rewards.

0:36:50.480 --> 0:36:52.440
<v Speaker 1>And Groupon is your friend. Have you ever have you

0:36:52.440 --> 0:36:53.760
<v Speaker 1>ever gone to a group on trip Mandy?

0:36:54.239 --> 0:36:56.560
<v Speaker 2>Yeah, I did once we went to Turkey using a

0:36:56.600 --> 0:36:58.440
<v Speaker 2>group on, like in twenty thirteen.

0:36:59.520 --> 0:37:00.120
<v Speaker 1>Did you like it?

0:37:00.520 --> 0:37:02.120
<v Speaker 2>Oh? I loved it? Yeah, it was. It was cool,

0:37:02.160 --> 0:37:04.160
<v Speaker 2>it was and you know what, it was funny because

0:37:04.160 --> 0:37:08.000
<v Speaker 2>we we got like a package tour of Turkey where

0:37:08.040 --> 0:37:11.120
<v Speaker 2>it was like airfare, travel, lodging, all that included. And

0:37:11.160 --> 0:37:13.080
<v Speaker 2>then we were mentioning the group on because I just

0:37:13.080 --> 0:37:15.319
<v Speaker 2>assumed everybody used the group on, but like a lot

0:37:15.360 --> 0:37:17.080
<v Speaker 2>of people didn't use the group on. They just poked

0:37:17.080 --> 0:37:20.960
<v Speaker 2>it through the and they got really mad. We if

0:37:20.960 --> 0:37:22.680
<v Speaker 2>we payed like a thousand bucks less.

0:37:22.960 --> 0:37:25.520
<v Speaker 1>Yeah it was yeah. Yeah so that too. Think about

0:37:25.560 --> 0:37:27.960
<v Speaker 1>you know, like you could get really creative with travel,

0:37:28.040 --> 0:37:30.000
<v Speaker 1>like what I've been on like three or four group

0:37:30.080 --> 0:37:32.680
<v Speaker 1>on and I've never had a bad time and I've

0:37:32.680 --> 0:37:35.319
<v Speaker 1>never had like a scammy time. And too, there's a

0:37:35.560 --> 0:37:38.280
<v Speaker 1>if you're looking to travel to Europe. I love European

0:37:38.360 --> 0:37:42.280
<v Speaker 1>destinations dot com. I found like I did Greece and Turkey.

0:37:42.320 --> 0:37:45.160
<v Speaker 1>One year. I think it was twelve fifty and included

0:37:45.200 --> 0:37:48.080
<v Speaker 1>all flights, all hotels, and you get to pick your

0:37:48.080 --> 0:37:49.680
<v Speaker 1>own hotels, so I made sure to pick hotels that

0:37:49.719 --> 0:37:52.560
<v Speaker 1>had breakfast included for twelve hundred fifty dollars. I think

0:37:52.560 --> 0:37:55.279
<v Speaker 1>we were gone. It was my sister and I. I

0:37:55.320 --> 0:37:57.719
<v Speaker 1>think we were gone for I don't want I want

0:37:57.760 --> 0:38:00.000
<v Speaker 1>to say it was seven to ten days. I think

0:38:00.080 --> 0:38:02.160
<v Speaker 1>it was about so it was, and it was amazing.

0:38:02.200 --> 0:38:04.319
<v Speaker 1>So we got to go to Athens, we got to

0:38:04.320 --> 0:38:06.719
<v Speaker 1>go to Santorini, Greece, and we got to go to Istanbul,

0:38:06.719 --> 0:38:09.360
<v Speaker 1>Turkey for twelve hundred dollars and like I said, included

0:38:09.400 --> 0:38:11.839
<v Speaker 1>flight from from New Jersey. No, I think we left

0:38:11.840 --> 0:38:16.000
<v Speaker 1>from New York to Greece and from Greece to Santorini

0:38:16.080 --> 0:38:19.040
<v Speaker 1>which is also Greece, and Santorini to Istanbul and then

0:38:19.080 --> 0:38:22.000
<v Speaker 1>back home. So there are deals out there, even if

0:38:22.000 --> 0:38:24.719
<v Speaker 1>it's not like free vacations, there are definitely deals out

0:38:24.760 --> 0:38:26.319
<v Speaker 1>there to be had.

0:38:26.680 --> 0:38:30.120
<v Speaker 2>Exactly, And I'm gonna send you that link to a

0:38:30.160 --> 0:38:33.719
<v Speaker 2>couple of you know, good travel rewards card options. And

0:38:33.760 --> 0:38:35.200
<v Speaker 2>again these are the cards that you know if we

0:38:35.280 --> 0:38:37.160
<v Speaker 2>mentioned credit cards on the show, They're just the cards

0:38:37.160 --> 0:38:39.120
<v Speaker 2>that we like. You know, you've got to find the

0:38:39.160 --> 0:38:43.399
<v Speaker 2>card that's right for you, and we don't endorse any

0:38:43.400 --> 0:38:45.759
<v Speaker 2>particular card for any reason other than that it fits

0:38:45.760 --> 0:38:48.560
<v Speaker 2>our lives and we like it right this, Yes, like.

0:38:48.600 --> 0:38:50.640
<v Speaker 1>My get up and go you better go ahead Chase card.

0:38:50.640 --> 0:38:52.319
<v Speaker 1>Remember I could never get the.

0:38:52.320 --> 0:38:57.360
<v Speaker 2>Name right the Chase Good Time cards, get.

0:38:57.280 --> 0:38:59.319
<v Speaker 1>You a flight Chase card. I'm like, wait, what part

0:38:59.360 --> 0:39:02.880
<v Speaker 1>is that? It sounds like those are those commercials that

0:39:02.920 --> 0:39:06.560
<v Speaker 1>they do. They do the to focus like on their

0:39:06.640 --> 0:39:10.399
<v Speaker 1>black demographic, so they have to get extra like hey hey, hey,

0:39:10.680 --> 0:39:12.799
<v Speaker 1>got you a car Chase card. And you're like, you

0:39:12.840 --> 0:39:15.839
<v Speaker 1>didn't have to do all of that, or they make

0:39:15.840 --> 0:39:18.279
<v Speaker 1>a hip hop beat for it. You're like, you know,

0:39:18.440 --> 0:39:23.040
<v Speaker 1>I like country music, but okay, yeah, you want to

0:39:23.040 --> 0:39:27.120
<v Speaker 1>take one more question? No done?

0:39:27.400 --> 0:39:28.480
<v Speaker 2>Those are the two I chose.

0:39:29.600 --> 0:39:30.560
<v Speaker 1>No, that's fine by me.