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Speaker 1: Hey, hey, hey, ooh, listen to my voice. I got it.

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Speaker 2: That's almost good.

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Speaker 1: Oh, almost good. I see that shade, petty, petty. We

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Speaker 1: all can't be in India, laid up.

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Speaker 2: I wish I sounded more excited about it.

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Speaker 1: Hi, Hey, y'all right, Linda, Linda, Lord, have mercy. Mandy

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Speaker 1: is in India.

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Speaker 2: Yes, I know I am millions of miles away, but

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Speaker 2: please don't forget my name.

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Speaker 1: I know I was thinking of India, and I don't

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Speaker 1: know where the l came from. But anyway, that's so awesome.

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Speaker 1: How have you been. I've been to India once before.

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Speaker 1: How are you enjoying it?

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Speaker 2: I've never remember but before. I'm actually eating some crystallized

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Speaker 2: ginger right now because I had a little too much

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Speaker 2: curry for dinner and I just thought on my stomach.

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Speaker 2: India has been awesome. It has been such a like

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Speaker 2: you know, when you have so many like you're like hyper.

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Speaker 2: I don't know, you just have so many like your

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Speaker 2: senses are overloaded, like and I feel like I've only

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Speaker 2: been here five days now or has it been five days?

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Speaker 2: I think five? And so I've been here for work

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Speaker 2: and then this weekend I took some time off and

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Speaker 2: I'm in Mumbai, and I just got to Mumbai yesterday

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Speaker 2: and today I just had like the coolest day. But

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Speaker 2: I know I'm not making any sense, but it's just

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Speaker 2: been like people and food and and and and sights

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Speaker 2: and moving and so many people and so much food,

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Speaker 2: and it's been it's been so amazing today it was

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Speaker 2: really amazing. I haven't like fully digested it, and I'm

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Speaker 2: I've I've only been getting about three to four hours

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Speaker 2: of sleep at night, something about like I I'll go

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Speaker 2: to sleep dead ass tired, but then I'll only sleep

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Speaker 2: three four hours and my body is like hello.

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Speaker 1: Well, you know, the time difference is crazy. I think

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Speaker 1: I'm trying to think. When I went, I stayed. I

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Speaker 1: went to Mumbai for a couple of days, and then

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Speaker 1: I went to Jaipur, which is where the where I

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Speaker 1: celebrated the Holy Festival Oh wow, And which is like

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Speaker 1: you know the festival like where people throw like the

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Speaker 1: color powder around you. Sometimes people see pictures of it,

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Speaker 1: like people wear all white and it's I guess it's

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Speaker 1: like the Spring festival. But it was magical. And but

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Speaker 1: that's the thing about here, I know, I feel like

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Speaker 1: there are that's The thing about India, it's it's so

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Speaker 1: overwhelming to every sense that you have, smell, fight, taste,

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Speaker 1: and so. But that's what I loved about it because

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Speaker 1: it was just I love going places where I'm like,

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Speaker 1: I'm not in Kansas anymore, you know.

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Speaker 2: Yeah, I've been. I've been really enjoying it. I mean,

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Speaker 2: it's yeah, it's about because right now it's midnight and

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Speaker 2: what time is it there?

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Speaker 1: One twenty six pm.

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Speaker 2: Saturday, so it's almost Sunday here, so basically I'm in

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Speaker 2: the future. Ooh.

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Speaker 1: So I'm not ever gonna tell you who said this

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Speaker 1: because I don't want to embarrass them. I remember they

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Speaker 1: were like, somebody said to me, oh so wait, so

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Speaker 1: when the lottery comes out, Oh my god, they don't

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Speaker 1: just play.

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Speaker 2: I knew you were gonna say that because I've been

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Speaker 2: getting that joke non stop.

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Speaker 1: No, then this person was not joking. That's why I

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Speaker 1: refuse to give to me. And I was like, I

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Speaker 1: just looked like I gave it, like are you kidding?

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Speaker 1: You're kidding right, And they were like I'm like if

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Speaker 1: that worked that way, like does that even make I

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Speaker 1: want you to just ask yourself.

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Speaker 2: Do you imagine Indian people would be the most powerful

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Speaker 2: people in the world if they could see the future

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Speaker 2: ten and a half hours before.

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Speaker 1: We did, They're like, oh, yeah, Trump won. My bad.

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Speaker 2: They'd be like, don't watch it, don't watch it. Let's

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Speaker 2: go have a drink. It's not gonna end well.

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Speaker 1: Like I was just like, that's not how it works.

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Speaker 1: And honestly, we were like going back and forth, and

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Speaker 1: I just said, you know what, people just lead to Jesus. So,

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Speaker 1: oh my gosh, did you see this is just random,

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Speaker 1: like a random story. But did you see the model

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Speaker 1: of America got their first brown Santa. I don't know.

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Speaker 1: I just no, that's awesome.

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Speaker 2: Oh I love America, but you know in India all

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Speaker 2: they have is brown. Santa's kidding me. Congrats America catching

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Speaker 2: the hack up? No for real though, that's man. I

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Speaker 2: wonder how my life would have been different if Santo

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Speaker 2: is black.

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Speaker 1: When I grew up, how long how old were you

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Speaker 1: when you were like, oh, Santa's a lie.

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Speaker 2: Don't I don't remember, but I remember telling my brother.

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Speaker 1: He was, oh, you're terrible. How did he think it?

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Speaker 2: I don't. I don't think he took like a little boss.

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Speaker 1: I don't know.

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Speaker 2: I don't feel like we knew. I feel like we

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Speaker 2: were letting the charade go on because we knew we

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Speaker 2: got presents, so we were like, We're just gonna believe

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Speaker 2: this life. You believe the lie, continue buying us things

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Speaker 2: because you know, we found the secret hiding place for

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Speaker 2: our gifts when I was like five. But I do though,

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Speaker 2: and I swear by this, and don't think I'm crazy.

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Speaker 2: But when I was six years old, I was sleeping

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Speaker 2: in my bed Christmas Eve, the night before Christmas, and

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Speaker 2: all through the house not a creature was stirring except

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Speaker 2: for the actual Santa Claus, who I saw when I

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Speaker 2: left my bedroom because I heard some noises and I

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Speaker 2: looked out there, and I swear I saw Santa. I

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Speaker 2: might have been hallucinating, but I have a very very

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Speaker 2: vivid memory of this, so so.

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Speaker 1: It makes it true. It's gotta be true.

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Speaker 2: Possibly someone roofeed my eggnog, but it felt very real. Wait,

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Speaker 2: so that's awesome. Did your parents do that to you?

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Speaker 2: They gave you Christmas cards with like black people on them,

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Speaker 2: like black angewels and black Santa and stuff.

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Speaker 1: No, my, you know what, it's so strange. But you know,

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Speaker 1: both of my parents were born and raised in Nigeria,

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Speaker 1: so they didn't quite get the the everything that we

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Speaker 1: did that was like American traditions. They didn't fully do

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Speaker 1: their research, so it was always like, yeah, here's your

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Speaker 1: gift from your dad. They didn't really so it was

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Speaker 1: always confusing at home. Like I'd hear about Santa at school,

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Speaker 1: but my mom and dad were always really clear, like

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Speaker 1: we bought this, and I'm like, but what about sand that.

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Speaker 1: They're like, I don't know who that is, but I guess, yeah,

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Speaker 1: if you want to believe in him, that's cute. But

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Speaker 1: I'm like, no, he's supposed to bring his presence. My

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Speaker 1: dad just used to be so confused, like I don't understand.

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Speaker 1: I don't understand this tradition. So somebody is supposed to

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Speaker 1: come to the house and bring you presents, but I

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Speaker 1: brought the herd for you. We're so I never quite

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Speaker 1: believed in Santa, because I mean I did in a way,

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Speaker 1: but I just figured he didn't come to our house

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Speaker 1: because my parents were like, yeah, we bought these presents.

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Speaker 1: He's not getting any of this recognition.

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Speaker 2: Yeah, yeah, that's the credit. That's funny.

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Speaker 1: Yeah, yeah, it's just funny. Growing up with parents who

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Speaker 1: are not from this country. When it comes to like

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Speaker 1: different traditions and you know, you're trying to explain it

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Speaker 1: to them. My dad would always just be like, I

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Speaker 1: don't done. That's done. But Daddy, this is why I

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Speaker 1: need Jordan's. Do you know Michael Jordan is he? Is

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Speaker 1: he going to send you to college? Why would you

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Speaker 1: buy it? I'm like, oh, God, like I just grew

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Speaker 1: my whole life being like but the other kids, my

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Speaker 1: dad did not care. He was like, you're eating right

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Speaker 1: and you have a place to live. Well, mission accomplished.

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Speaker 1: But yeah, so Christmas and my house. So I didn't

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Speaker 1: even know people got multiple gifts until maybe like middle school,

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Speaker 1: and I guess I don't know, I started really paying attention.

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Speaker 1: I'm like, wait, you guys get more than when present

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Speaker 1: because we got one gift, like you know, you might

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Speaker 1: get some clothes and stuff, but you know, you got

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Speaker 1: basically one gift. And I thought a thing like yeah,

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Speaker 1: one toy thing, you know, And then like I said,

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Speaker 1: you might get like, oh, here's some undershirts and stuff

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Speaker 1: like that, but you know, as a kid, that's not

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Speaker 1: a gift. But then, like you know, as I got older,

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Speaker 1: I'm like, some of my friends were getting multiple gifts

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Speaker 1: and I'm like, I don't what does that mean.

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Speaker 2: It's ridiculous when I think about what my parents said

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Speaker 2: to us.

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Speaker 1: We got a lot of gifts.

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Speaker 2: We used to get so many. Yeah, it was like bad, bad,

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Speaker 2: Like I'm not doing that to my children. I love

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Speaker 2: I loved it, though. I was like, hey, well okay,

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Speaker 2: let me that's a caveat. We got a lot of presence.

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Speaker 2: Well crap, I can put my family's business out there,

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Speaker 2: but how can I say this For a while. When

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Speaker 2: my parents were together before they got divorced, we were

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Speaker 2: definitely one of those families who looked like they had

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Speaker 2: a lot, but definitely had some plastic issues. So that's what,

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Speaker 2: you know. And I've talked about how my early childhood

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Speaker 2: experiences informed you know, how I'm like afraid of debt

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Speaker 2: now or not afraid, but like conscious of spending more

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Speaker 2: than I have. Like I think my parents certainly got

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Speaker 2: swept up a lot and whatever a lot of parents

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Speaker 2: in America do, and like the you know, wanting to

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Speaker 2: They had four kids, and they wanted to impress us

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Speaker 2: all and like make us happy. And we were so

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Speaker 2: happy and we had so much, but that was the goal.

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Speaker 2: That was like the years before I was ten and

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Speaker 2: then since after the divorce, we were like my mom

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Speaker 2: was like, here's a coloring book.

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Speaker 3: Congrats ah, and even you know, the first time one year,

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Speaker 3: we spent Christmas in Nigeria, and it was the most

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Speaker 3: uneventful Christmas as far as like I mean, because I

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Speaker 3: was like.

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Speaker 1: Okay, you know, you wake up. By then, I was older,

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Speaker 1: I was twenty, so it wasn't like, you know, I

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Speaker 1: was expecting this huge thing. But literally, like I did

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Speaker 1: not realize how commercialized Christmas was until I spent it

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Speaker 1: out of the country. So we woke up like there's

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Speaker 1: no Reese, there's no you know, there's no lights on

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Speaker 1: people's houses, none of that. You went to church and

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Speaker 1: everybody says hap big Goodness Mass, and that was literally

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Speaker 1: it no presents, exchange, nothing like I mean, it was

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Speaker 1: a joyous occasion. Christmas time really was like your family

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Speaker 1: came over, so all my family, like you know, people

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Speaker 1: who lived maybe in the cities, they all came to

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Speaker 1: the villages so like where their family lived, and people

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Speaker 1: had off for like two weeks and we all hung

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Speaker 1: out and we ate and we went to church and

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Speaker 1: that was literally it. And I remember being like, so,

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Speaker 1: let me not say uneventful. I just met like in

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Speaker 1: the traditional sense the way we're used to it here

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Speaker 1: where it's like lights, camera action. It was none of that.

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Speaker 1: It was literally just family, family, family, And I thought, wow,

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Speaker 1: I didn't realize how commercialized Christmas had gotten because I

207
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Speaker 1: didn't know anything else but that until I saw like

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Speaker 1: what Christmas looked like someplace else, which is just your

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Speaker 1: family that you don't normally see all year, and everybody

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Speaker 1: gets to hang out for a week or two and

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Speaker 1: it's just a really joyous occasion. I mean I got

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Speaker 1: to see, you know, cousins from every side, and everybody

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Speaker 1: came to the village. There's probably like thirty forty people

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Speaker 1: and we hung out for like a week. So it

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Speaker 1: just I didn't realize. I'm like, wow, so this is Christmas,

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Speaker 1: like you know, at least here.

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Speaker 2: The America's like the epic. Running down the stairs and

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Speaker 2: seeing what's under the tree. I remember that feeling and

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Speaker 2: that's like the wonder, Oh my god, nothing was there

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Speaker 2: and now look it's falling.

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Speaker 1: I remember the first time I moved there was super

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Speaker 1: Superman Mandy if I tell you. I'm like, wait, do

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Speaker 1: twenty children live here? I have never seen the tree

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Speaker 1: so full of prices? And I was like, uh, it

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Speaker 1: was it was mean, well only child, it was enough

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Speaker 1: for twenty children. He spent so much money, honestly, many

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Speaker 1: in the thousands. And I'm like, I think the first

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Speaker 1: what I was say, I think he spent up to

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Speaker 1: twenty five twenty five hundred dollars twenty yeah, not twenty

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Speaker 1: five dollars, but twenty five hundred, but still and at

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Speaker 1: the time she was like six, so it wasn't and

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Speaker 1: I just remember thinking, oh, this is a bit excessive,

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Speaker 1: you know. And the thing is, you know, so crazy

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Speaker 1: about Supergirl is that she actually is not even that

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Speaker 1: kind of kid. Like if you get Supergirl a coloring

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Speaker 1: book then some new pencils from Staples, you would think

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Speaker 1: you gave her a million dollars. She's actually a pretty simple,

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Speaker 1: laid back kid. She she's not really into like, she's

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Speaker 1: not super techy, although she you know, she has like

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Speaker 1: I gave her like my old computer that she uses

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Speaker 1: to go on YouTube just so she can find drawing

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Speaker 1: videos to draw with her coloring, you know what I mean.

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Speaker 1: So that's her she's a crafty kind of like that's

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Speaker 1: her personality. So you know, I told that I encourage

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Speaker 1: that exactly. And I told her, I'm like, you know,

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Speaker 1: like if you really look to see what she plays

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Speaker 1: with in her room, it's not any of the expensive things.

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Speaker 1: She's like. I mean, like literally she'll be like, oh

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Speaker 1: my god, can we go to Staples, Tippy, because I

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Speaker 1: really need some more paper. And if I tell her

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Speaker 1: I'm going to Staples, you would think I was like,

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Speaker 1: you know, taking her to see the president, well the form,

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Speaker 1: well the current president, my president. You know. She just

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Speaker 1: gets so excited. And so that's you know, And so

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Speaker 1: I always think sometimes parents push this stuff on their

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Speaker 1: kids that's not necessarily there because, like I said, you know,

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Speaker 1: we ended up getting her, like I think last year

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Speaker 1: some expensive American girl doll, and she played with it

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Speaker 1: all of like two or three times, and her mom

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Speaker 1: got her like a target makes a a like a

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Speaker 1: quote unquote American girl doll. It's not that, but it's

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Speaker 1: like the same size and kind of look for like

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Speaker 1: literally like you know, one tenth of what an American

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Speaker 1: girl dog costs or like one one third, and she

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Speaker 1: plays with them equally. She doesn't play with them equally, like,

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Speaker 1: meaning that she doesn't play with either one of them.

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Speaker 1: And I'm like, we could have saved seventy bucks, you know,

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Speaker 1: for her not to play with this doll because all

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Speaker 1: she does is drawing color, in drawing color some more,

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Speaker 1: and so yeah, you know her.

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Speaker 2: They saved my toys as my toys as a child,

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Speaker 2: not me. My father. Really, he has the creepiest shrine

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Speaker 2: to my old dolls that I've ever seen. He like

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Speaker 2: took them out of. But my dad's such a pack rat.

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Speaker 2: He has storage units I don't even know about. Probably

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Speaker 2: he's always going to the storage unit for something. He

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Speaker 2: has a dream of owning a thrift store one day.

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Speaker 2: But yeah, I saved all my weird dolls and just

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Speaker 2: crazy stuff, all my Barbies, like who wants my Olympic

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Speaker 2: Barbie from nineteen ninety six? That her legs turn blue

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Speaker 2: when she turns into water, and that whose hair I

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Speaker 2: gave my shaved off with my mom's razor.

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Speaker 1: Why do kids do that? I used to really believe

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Speaker 1: barbies hair it would grow back. Yeah, my dad, we

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Speaker 1: get so pissed my mom, like did they just be like,

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Speaker 1: oh my gosh, tivity you're breaking these. I'm like, it's

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Speaker 1: gotta grow back. What's the big deal? And so I

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Speaker 1: realized like, oh, it doesn't. Then I'm like, well, she's

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Speaker 1: the boy Barbie thing. I think that's the Oh, go ahead.

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Speaker 1: And I was gonna say I thought short hair made

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Speaker 1: you a boy. That's what I used to think.

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Speaker 2: That it's all it takes. Yeah, it's a choice. I

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Speaker 2: think this is really important though I know we're joking,

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Speaker 2: but like the parents, every parent has to deal with this,

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Speaker 2: Like how crazy are we going to get about Christmas?

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Speaker 2: I don't I think seeing Yeah, I mean, I want

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Speaker 2: it to be a fun and joyous occasion. I don't know.

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Speaker 2: I don't know.

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Speaker 1: I don't know.

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Speaker 2: Are you guys doing anything differently since that? You know,

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Speaker 2: since SUPERD that big year? How have you how have

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Speaker 2: you guys talked about it since then?

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Speaker 1: Because like, you know, at first, he was like no,

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Speaker 1: you know, first there's this pushback because it's he didn't

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Speaker 1: grow with much and he's able to ride her with

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Speaker 1: you know, all these things. And so I've learned the

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Speaker 1: approach is not to shame him about like, oh, you

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Speaker 1: spent so much money. Instead was like really, throughout the year,

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Speaker 1: really pointing out what she enjoyed. You know, I'd say, like,

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Speaker 1: you know, she's you know what I mean. So it's not, oh,

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Speaker 1: you spent too much, it's well, you know, if the

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Speaker 1: purpose is for her to enjoy, she does. She's not

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Speaker 1: playing with those things that she spent so much money on,

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Speaker 1: like like, look, what's lighting her up? Like don't let

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Speaker 1: me get her like paper out of our copy machine.

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Speaker 1: She's like, oh my gosh, they're you just so much

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Speaker 1: like a blank piece of paper is like everything to her.

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Speaker 1: For her birthday, I told all of my friends and

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Speaker 1: sisters and stuff when they were coming for her party

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Speaker 1: and she turned ten this year to either get her

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Speaker 1: a Staples gift card or like notebooks, pens and paper.

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Speaker 1: I mean, she must have gotten so many notebooks and

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Speaker 1: she she was like in hog Heaven and this one

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Speaker 1: has glitter, and this one has my a on it,

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Speaker 1: and this one has so you know what is that?

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Speaker 1: Like ten to fifteen bucks is that? And so yeah,

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Speaker 1: she just So that's how it switched because once he

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Speaker 1: realized that I'm not actually giving her more than what

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Speaker 1: I grew up with. She's not even enjoying those things,

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Speaker 1: like why not get her the things she enjoyed. They

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Speaker 1: happen to actually cost less, so way less. Yeah, I know, right,

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Speaker 1: because not everybody's like that, you know. So this year,

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Speaker 1: you know, we talked about it, you know, as far

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Speaker 1: as budget, and he was like, oh, no, no, I'm

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Speaker 1: spending like one hundred and fifty bucks, and I'm like,

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Speaker 1: you know, she would be just as happy. Some of

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Speaker 1: the toys she like never played. Well. She got like

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Speaker 1: a kitchen set that she literally just used to use

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Speaker 1: to house all of her papers and paper mache projects.

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Speaker 1: And that thing was like fifteen hundred dollars. It was. Yeah,

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Speaker 1: it was so like yeah. So I mean, like, you know,

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Speaker 1: you living, you learn, and I think sometimes it's just

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Speaker 1: good to have a different perspective in the house, you know.

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Speaker 1: I told her, you know, and like even for her birthday,

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Speaker 1: she'd asked me what I got her, and I showed

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Speaker 1: her her bank account and I said, look, I created

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Speaker 1: a bank account just for you, and this is where

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Speaker 1: we're putting your college money. Because I spoke at Princeton

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Speaker 1: in the summer and I brought her for the second time.

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Speaker 1: I always do this like girls program, a volunteer and

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Speaker 1: do this girl's program, and I brought her for the

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Speaker 1: second year and she loved it, and she loved it

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Speaker 1: the first year, and she's just like, this campus is

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Speaker 1: so pretty. I want to go to Princeton. And I

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Speaker 1: told her she had to get really good grades and

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Speaker 1: really smart people go here. And it's a lot of money.

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Speaker 1: So now I have an account, you know, and then

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Speaker 1: I put money into every month, and so for her birthday,

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Speaker 1: I put in a special boost for her birthday. So

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Speaker 1: I showed her this is what I got you for

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Speaker 1: your birthday. You have plenty of gifts and toys, but

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Speaker 1: this is for your Princeton account. So that way she

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Speaker 1: gets a different perspective of what gift giving can look

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Speaker 1: like and what receiving can look like.

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Speaker 2: You know, nice, did you open it? Is it? Like?

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Speaker 2: What kind of account is it? Because I know a

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Speaker 2: lot of parents wonder that they should do a five

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Speaker 2: two nine plan or IRA or what for their kid.

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Speaker 1: So I want to do there is a name for

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Speaker 1: it there, So right now it's just to say this account,

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Speaker 1: but this is a friend of mine was telling me

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Speaker 1: that there is like an IRA. Well I won't say

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Speaker 1: it's not an IRA, but it's an account that maneuvers

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Speaker 1: like that but especially for kids. And instead of having

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Speaker 1: to like withdraw the money when you're you know, fifty

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Speaker 1: nine and a half, it's for your they have access

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Speaker 1: when they're eighteen, after they graduate you know, high school.

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Speaker 1: And so I thought to myself, Wow, I don't, you know,

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Speaker 1: who knows what the future hold. I just want her

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Speaker 1: to have funds posst high school to use for the

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Speaker 1: next actor in her life. I didn't want to, you know,

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Speaker 1: to say it only had to do this, you know.

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Speaker 1: That's why I didn't want to put it. But now

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Speaker 1: I'm going to look into a custodio ira account because

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Speaker 1: I have one for her. I have one for my

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Speaker 1: nephew who's one and a half, and I have one

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00:18:31,600 --> 00:18:33,520
Speaker 1: for my godson who's one and a half, and so

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Speaker 1: for the three of them. So this is what I do.

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Speaker 1: It's fifty bucks a month for each that goes into

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00:18:38,240 --> 00:18:40,560
Speaker 1: each account. And then when your birthday comes, I put

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Speaker 1: one hundred dollars for every year that you're born. So

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Speaker 1: if it's if you're one, you got one hundred dollars,

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Speaker 1: like both of the little ones, they got one hundred dollars.

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Speaker 1: She turned ten, so she got a thousand dollars in

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Speaker 1: her account, then fifty bucks a month, and then when

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Speaker 1: she turns twelve or eleven, eleven hundred dollars and on

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Speaker 1: her birthday, the way it grows and grows and grows.

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Speaker 1: You know, I'm just hoping that a whole bunch of

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Speaker 1: my I'm like, dang, what if I get like twenty

400
00:19:05,000 --> 00:19:06,720
Speaker 1: different nieces and nepheties. I'm like, well, we might have

401
00:19:06,720 --> 00:19:08,840
Speaker 1: to slow down the number, but at least for now,

402
00:19:08,840 --> 00:19:09,520
Speaker 1: that's what I'm doing.

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Speaker 2: Yeah, I'm glad I don't have a ton of nieces

404
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Speaker 2: and nephews right now.

405
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Speaker 1: It won't be too.

406
00:19:21,160 --> 00:19:21,320
Speaker 2: Well.

407
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Speaker 1: No, you never know. You never know. I might be

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Speaker 1: I might be Oprah rich one day. And I'm like, everybody,

409
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Speaker 1: you got an education. You gotta education. Everybody got an education,

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00:19:38,920 --> 00:19:41,280
Speaker 1: all right. So let's go directly to a brown break,

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Speaker 1: brown boost because Mandy is is uh, she's a fully

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00:19:44,840 --> 00:19:49,240
Speaker 1: lucid Yeah she is. So let's let's let's plow through.

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00:19:49,520 --> 00:19:51,240
Speaker 1: So I have a brown Break. If you want me

414
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Speaker 1: to go first, please do.

415
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Speaker 2: So.

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Speaker 1: My brown break is my Bank of America travel Awards card.

417
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Speaker 2: I hate you.

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Speaker 1: Here's why. So I don't understand how you have a

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00:20:01,720 --> 00:20:06,720
Speaker 1: travel keyword reward card that when I travel keyword, I

420
00:20:06,760 --> 00:20:12,360
Speaker 1: can't use it. I travel keyword I don't know as Boa.

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Speaker 1: So I went to Paris. So I called Bank of America, said, hey,

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00:20:16,640 --> 00:20:19,760
Speaker 1: Bank of America, so great. You have this travel awards

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00:20:19,760 --> 00:20:22,800
Speaker 1: card that I have and I've had for literally so

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Speaker 1: I've had this card, well not this particular one, but

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Speaker 1: I've had a Bank of American card for like twenty years,

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00:20:27,359 --> 00:20:30,000
Speaker 1: and so it's like been upgraded to this travel Awards card.

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Speaker 1: So I said, hey, I'm going to Paris and Prague.

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Speaker 1: Here are my dates. I want to take my card

429
00:20:35,480 --> 00:20:38,280
Speaker 1: with me. And what's so special about having a special

430
00:20:38,320 --> 00:20:40,960
Speaker 1: credit card, especially for travel, is that, like you know,

431
00:20:41,000 --> 00:20:43,199
Speaker 1: they won't charge you like foreign interest fees and some

432
00:20:43,280 --> 00:20:45,640
Speaker 1: other stuff if you have a travel award card. Also

433
00:20:45,680 --> 00:20:49,560
Speaker 1: when you buy travel with it, well absolutely yeah, exchange

434
00:20:49,600 --> 00:20:50,960
Speaker 1: rate fees, that's what it is. Oh look, you know

435
00:20:51,480 --> 00:20:56,360
Speaker 1: it's loopy as we don't exchange rate fees. And also too,

436
00:20:56,400 --> 00:20:59,760
Speaker 1: you can earn rewards, right, that's the part the travel

437
00:20:59,800 --> 00:21:02,800
Speaker 1: ward so called Meg of America. I'm going to Paris,

438
00:21:02,840 --> 00:21:06,120
Speaker 1: I'm going to Prague for my birthday. Everything's good, everything's ago.

439
00:21:06,200 --> 00:21:08,840
Speaker 1: What dates? What dates? Okay? I get the Paris wipe

440
00:21:08,880 --> 00:21:11,679
Speaker 1: doesn't work. I'm thinking, maybe it's just this machine the

441
00:21:11,720 --> 00:21:15,840
Speaker 1: whole It never worked Paris Prague, and I'm like what. Luckily,

442
00:21:16,000 --> 00:21:19,800
Speaker 1: thankfully something said, hey, Tiffany, bring your other card with you,

443
00:21:19,840 --> 00:21:22,480
Speaker 1: like my other non travel cards, just my regular credit

444
00:21:22,520 --> 00:21:24,560
Speaker 1: card with me, because I don't know what I would

445
00:21:24,600 --> 00:21:26,840
Speaker 1: have done. And I brought, thankfully, my debit card, so

446
00:21:26,880 --> 00:21:29,119
Speaker 1: I was able to like withdraw cash, but it was

447
00:21:29,240 --> 00:21:31,960
Speaker 1: very annoying. And then when I got back, I don't know,

448
00:21:32,000 --> 00:21:34,320
Speaker 1: it like works when it wants to work. It's like, yeah,

449
00:21:34,400 --> 00:21:37,160
Speaker 1: we don't like this vending machine, and you're like, what

450
00:21:37,640 --> 00:21:39,840
Speaker 1: we don't like? Just the other day it rejected my Uber.

451
00:21:39,880 --> 00:21:41,320
Speaker 1: I'm like, I've had this card on my Uber for

452
00:21:41,359 --> 00:21:46,119
Speaker 1: like two years. What I don't know for something? It

453
00:21:46,880 --> 00:21:49,840
Speaker 1: doesn't Every charge doesn't go through. Like I was just

454
00:21:49,880 --> 00:21:52,399
Speaker 1: in La two days ago, taping a reel and I

455
00:21:52,440 --> 00:21:53,879
Speaker 1: put my card. They always make you put down a

456
00:21:53,920 --> 00:21:56,200
Speaker 1: credit card for incidentals, you know, at the front desk

457
00:21:56,480 --> 00:21:59,200
Speaker 1: when you check in, and so because the studio paid

458
00:21:59,280 --> 00:22:01,639
Speaker 1: for the whole time, so I said, okay, so they

459
00:22:01,720 --> 00:22:04,320
Speaker 1: put my car. I put my car down, and then

460
00:22:06,119 --> 00:22:08,680
Speaker 1: the hotel called me back and said, hey, this card

461
00:22:08,760 --> 00:22:11,120
Speaker 1: is not going through, and I'm like, what in the world.

462
00:22:11,320 --> 00:22:14,080
Speaker 1: It's a thirty thousand dollars limit. I probably have five

463
00:22:14,119 --> 00:22:15,840
Speaker 1: hundred dollars on that card. I paid off every month,

464
00:22:16,400 --> 00:22:17,919
Speaker 1: and so I called Bank of America. They're like, we

465
00:22:17,920 --> 00:22:20,080
Speaker 1: don't even have a record of it, of it of

466
00:22:20,119 --> 00:22:23,719
Speaker 1: it being swiped or it being denied. And I'm like, kid,

467
00:22:23,760 --> 00:22:27,199
Speaker 1: He's like, I think maybe it's a card. And I'm like,

468
00:22:27,240 --> 00:22:30,080
Speaker 1: it's not the car. Dif diffical car because like other

469
00:22:30,160 --> 00:22:32,679
Speaker 1: things are, I don't know whatever. I just sick. I'm

470
00:22:32,720 --> 00:22:34,360
Speaker 1: sick a tide of the Bank of America. I called

471
00:22:34,359 --> 00:22:35,560
Speaker 1: and there were no help at all.

472
00:22:35,880 --> 00:22:38,359
Speaker 2: So just get another one. Dump it. There's so many

473
00:22:38,480 --> 00:22:39,760
Speaker 2: great travel cards out there.

474
00:22:39,800 --> 00:22:41,680
Speaker 1: That's exactly what I said. I'm gonna I'm going to

475
00:22:41,680 --> 00:22:43,560
Speaker 1: Bank of America. I've been with you for twenty years.

476
00:22:43,560 --> 00:22:47,680
Speaker 1: Twenty years, twenty years we've been together. You have seen

477
00:22:47,720 --> 00:22:51,800
Speaker 1: me with a perm You've seen me twenty pounds, I've

478
00:22:51,800 --> 00:22:54,560
Speaker 1: seen me with thro my locks, you have seen me

479
00:22:54,600 --> 00:22:56,760
Speaker 1: through relationships. This is how you treat me after all

480
00:22:56,800 --> 00:22:58,720
Speaker 1: these years together. You just want to be out in

481
00:22:58,720 --> 00:23:01,280
Speaker 1: these streets. I can't even usually like I'm supposed to

482
00:23:01,880 --> 00:23:03,720
Speaker 1: know what you could keep it. I'm opening up a

483
00:23:03,720 --> 00:23:06,680
Speaker 1: new travel card. I'm gonna put Netflix on you because

484
00:23:06,720 --> 00:23:08,800
Speaker 1: I need to keep those, you know, length of credit history.

485
00:23:08,800 --> 00:23:10,280
Speaker 1: If you have an old card that you've been doing

486
00:23:10,320 --> 00:23:12,520
Speaker 1: right by, don't throw that away. So I'm gonna put

487
00:23:12,600 --> 00:23:15,399
Speaker 1: Netflix on this card, have it paid off automatically in

488
00:23:15,480 --> 00:23:18,680
Speaker 1: full from my bank account, and I'm gonna relegate you

489
00:23:19,040 --> 00:23:21,440
Speaker 1: to just being kept at home and not really used

490
00:23:21,480 --> 00:23:24,600
Speaker 1: just being charged stuff like that, and I'm gonna get me.

491
00:23:25,400 --> 00:23:27,720
Speaker 2: I don't Bank for America like five years ago, they're

492
00:23:27,760 --> 00:23:28,360
Speaker 2: the worst.

493
00:23:29,160 --> 00:23:31,200
Speaker 1: Yeah, I see, and I'm just like, and I tweeted

494
00:23:31,200 --> 00:23:33,840
Speaker 1: them and I heard nothing back. I was like, oh, well,

495
00:23:35,000 --> 00:23:38,360
Speaker 1: who's got the power? Now I've got the mic. It's

496
00:23:38,359 --> 00:23:41,240
Speaker 1: like no Bank of America's like what nobody cares no.

497
00:23:41,359 --> 00:23:43,400
Speaker 1: But honestly, if you guys have like a really great

498
00:23:43,440 --> 00:23:46,119
Speaker 1: Traveler World card that you love, I'm actually gonna hit

499
00:23:46,160 --> 00:23:48,840
Speaker 1: up Magnifying Money to see which one they suggests. But

500
00:23:48,840 --> 00:23:49,520
Speaker 1: I'm gonna get.

501
00:23:49,400 --> 00:23:52,720
Speaker 2: Another one I can well, I can make. I need

502
00:23:52,720 --> 00:23:54,639
Speaker 2: to make my boots on them. As soon as you

503
00:23:54,680 --> 00:23:56,600
Speaker 2: said your break was Bank from America, I know what

504
00:23:56,640 --> 00:23:59,159
Speaker 2: my boost is gonna be. It's my new baby, my

505
00:23:59,200 --> 00:24:05,000
Speaker 2: new baby rewards card. I was gonna say, wait, So,

506
00:24:05,359 --> 00:24:07,320
Speaker 2: first of all, here's a caveat. I don't like to

507
00:24:07,440 --> 00:24:12,760
Speaker 2: encourage people to get Hello Skype, you bring up? Can

508
00:24:12,800 --> 00:24:13,400
Speaker 2: you hear me now?

509
00:24:15,160 --> 00:24:16,000
Speaker 1: I can hear you now?

510
00:24:16,119 --> 00:24:18,840
Speaker 2: Okay, rewards cards. So I don't like to tell people

511
00:24:18,960 --> 00:24:21,560
Speaker 2: like people get really excited about rewards offers, ooh, you know,

512
00:24:21,760 --> 00:24:24,720
Speaker 2: pack cash back, cash back, but I'm like, you really

513
00:24:24,720 --> 00:24:28,160
Speaker 2: have to use them strategically and with the plan, and

514
00:24:28,240 --> 00:24:30,399
Speaker 2: not just to get the rewards. Like you don't want

515
00:24:30,440 --> 00:24:33,439
Speaker 2: to spend money to get money, ever, because it's always

516
00:24:33,480 --> 00:24:36,120
Speaker 2: so little. However, if you're going to be spending money

517
00:24:36,119 --> 00:24:38,120
Speaker 2: on travel anyway and you want a good travel card,

518
00:24:38,119 --> 00:24:41,639
Speaker 2: this is how I use my card only for travel

519
00:24:41,680 --> 00:24:44,679
Speaker 2: related expenses. And the best card, hands down, that I've

520
00:24:44,720 --> 00:24:47,959
Speaker 2: ever had, is to Chase Sapphire Reserve Card, which just

521
00:24:48,000 --> 00:24:51,840
Speaker 2: came out this past August or September, and the world

522
00:24:51,880 --> 00:24:54,880
Speaker 2: lost their mind, like lost their mind because the sign

523
00:24:54,960 --> 00:24:57,400
Speaker 2: on offer was so amazing. It's if you spend four

524
00:24:57,440 --> 00:25:00,000
Speaker 2: thousand dollars in three months, you get one hundred thousand

525
00:25:00,040 --> 00:25:03,200
Speaker 2: and Chase ultimately no rewind.

526
00:25:03,200 --> 00:25:06,439
Speaker 1: The first part cut off. So what is what is

527
00:25:06,480 --> 00:25:09,240
Speaker 1: an awesome reward that go along with the Chase card?

528
00:25:09,440 --> 00:25:12,159
Speaker 2: Well, let me start over. Where did it start cutting out?

529
00:25:12,440 --> 00:25:15,199
Speaker 1: You said people lost their mind because you get and

530
00:25:15,200 --> 00:25:17,200
Speaker 1: you started to list and the list is cut off.

531
00:25:18,040 --> 00:25:20,760
Speaker 2: So the card I use is the Chase Sapphire Reserve,

532
00:25:20,800 --> 00:25:23,720
Speaker 2: which came out in August or September, and just like

533
00:25:23,760 --> 00:25:26,960
Speaker 2: the world lost its mind, Bloomberg wrote a story about it,

534
00:25:27,440 --> 00:25:31,080
Speaker 2: all these news outlets recovering it because the rewards were

535
00:25:31,080 --> 00:25:35,000
Speaker 2: so amazing. For spending four thousand dollars in three months,

536
00:25:35,040 --> 00:25:38,840
Speaker 2: you got one hundred thousand miles or not miles points.

537
00:25:38,840 --> 00:25:41,560
Speaker 2: The best thing about Chase. The best thing about Chase

538
00:25:41,760 --> 00:25:44,800
Speaker 2: card is that they give you Ultimate Rewards points, which

539
00:25:44,880 --> 00:25:47,960
Speaker 2: can be redeemed for travel, for gift cards. You can

540
00:25:48,000 --> 00:25:50,320
Speaker 2: mix and match them. If you have multiple Chase cards,

541
00:25:50,320 --> 00:25:54,520
Speaker 2: you can combine them. They're like cash money, and or

542
00:25:54,560 --> 00:25:57,199
Speaker 2: you can reading them for cash of course, so that

543
00:25:57,320 --> 00:25:59,399
Speaker 2: but on top of that, you get three hundred dollars

544
00:25:59,400 --> 00:26:02,879
Speaker 2: per year travel credit, which means when I take an Uber,

545
00:26:03,119 --> 00:26:05,800
Speaker 2: when I buy a Metro card, when I you know,

546
00:26:05,920 --> 00:26:09,280
Speaker 2: take a cab or whatever, book a flight, they'll reimburse

547
00:26:09,359 --> 00:26:13,040
Speaker 2: me immediately up to three hundred dollars every year. And

548
00:26:13,080 --> 00:26:15,760
Speaker 2: then you also get Priority. You already get a you

549
00:26:15,800 --> 00:26:19,000
Speaker 2: get access to this service, this membership called Priority Pass,

550
00:26:19,040 --> 00:26:22,199
Speaker 2: which gives you access to like really swanky airport lounges

551
00:26:23,440 --> 00:26:25,959
Speaker 2: around the cunt around the world. And I actually use

552
00:26:26,040 --> 00:26:27,520
Speaker 2: the hell out of it on the way to India,

553
00:26:27,560 --> 00:26:29,879
Speaker 2: and it was like these lounges, I'm like, this is

554
00:26:29,920 --> 00:26:31,760
Speaker 2: what people have been doing all this time. I've been

555
00:26:31,760 --> 00:26:35,000
Speaker 2: sitting on a plastic chair with like my huts and

556
00:26:35,160 --> 00:26:38,240
Speaker 2: news water. They could just you go and they give

557
00:26:38,280 --> 00:26:40,920
Speaker 2: you like free food and free water. There's like quiet

558
00:26:40,960 --> 00:26:44,280
Speaker 2: rooms and I took a shower in London. It was amazing.

559
00:26:44,760 --> 00:26:47,159
Speaker 2: So that's one park. And then on top of that,

560
00:26:47,800 --> 00:26:52,439
Speaker 2: you get Global Entry status. You get reimbursed for it,

561
00:26:52,520 --> 00:26:54,760
Speaker 2: and that's where you like, you've seen those things at

562
00:26:54,760 --> 00:26:56,919
Speaker 2: the airport where it's a shorter line if you have

563
00:26:56,960 --> 00:27:00,920
Speaker 2: Global Entry status, And once you have it, you can

564
00:27:01,280 --> 00:27:03,720
Speaker 2: for every participating airport, you can like breeze through the

565
00:27:03,760 --> 00:27:07,960
Speaker 2: regular line with all the real the other people. So

566
00:27:08,040 --> 00:27:09,879
Speaker 2: that's a perk, and I forget how much that costs.

567
00:27:09,880 --> 00:27:12,359
Speaker 2: I think it's like ninety five or one hundred and

568
00:27:12,400 --> 00:27:13,360
Speaker 2: ninety five dollars.

569
00:27:15,040 --> 00:27:16,960
Speaker 1: So are these things like still Like, say, if I

570
00:27:17,000 --> 00:27:19,119
Speaker 1: would have signed up, I'm asking for a friend site

571
00:27:19,160 --> 00:27:22,320
Speaker 1: for myself. So say, if I were to apply for

572
00:27:22,400 --> 00:27:25,480
Speaker 1: this card, are these things still available with that card?

573
00:27:25,800 --> 00:27:27,879
Speaker 2: I'm pretty sure. I'm pretty sure it's still available. You

574
00:27:27,920 --> 00:27:29,640
Speaker 2: can go and I mean you easily just go and check.

575
00:27:29,720 --> 00:27:33,200
Speaker 2: Go to Chase apphire Reserve, just google it and you

576
00:27:33,240 --> 00:27:37,400
Speaker 2: can apply right there. The thing what I think people

577
00:27:37,480 --> 00:27:39,200
Speaker 2: lost their minds and they were so much written about

578
00:27:39,200 --> 00:27:41,480
Speaker 2: it into so much attention. In thousands and thousands and

579
00:27:41,520 --> 00:27:44,120
Speaker 2: thousands of people signed up. Chase won't say how many,

580
00:27:44,160 --> 00:27:46,360
Speaker 2: but it was enough that they actually ran out of

581
00:27:46,400 --> 00:27:52,040
Speaker 2: the act. The physical credit card, because with the most

582
00:27:52,080 --> 00:27:54,400
Speaker 2: elite credit cards are usually made out of some fancy

583
00:27:54,640 --> 00:27:58,200
Speaker 2: like metal or material. And so the card, the Chase

584
00:27:58,240 --> 00:28:01,040
Speaker 2: Reserve card, it feels like it it's different than plastic.

585
00:28:01,080 --> 00:28:04,840
Speaker 2: It's like waist heavier, and people were people were pissed

586
00:28:04,840 --> 00:28:06,679
Speaker 2: off because they weren't getting their fancy card, they were

587
00:28:06,680 --> 00:28:14,360
Speaker 2: getting a regular plastic card. I really feel like, yeah,

588
00:28:15,800 --> 00:28:18,480
Speaker 2: but it's amazing that But here's here's the thing there's

589
00:28:18,520 --> 00:28:22,600
Speaker 2: a four hundred and fifty dollars annual fee. I waited

590
00:28:22,600 --> 00:28:25,919
Speaker 2: to tell you that I did. I sure did would

591
00:28:26,000 --> 00:28:26,520
Speaker 2: why would you?

592
00:28:26,560 --> 00:28:27,440
Speaker 1: But why would you do that?

593
00:28:29,680 --> 00:28:31,680
Speaker 2: Because there's always a catch. Of course, That's why I

594
00:28:31,720 --> 00:28:33,280
Speaker 2: don't tell. That's why I tell people when you get

595
00:28:33,280 --> 00:28:36,000
Speaker 2: these rewards cards, you got to look at the fine print. Yes,

596
00:28:36,080 --> 00:28:39,080
Speaker 2: there's a four hundred and fifty dollars annual fee, but for

597
00:28:39,160 --> 00:28:41,960
Speaker 2: me it works. I mean, I'm absolutely going to spend

598
00:28:41,960 --> 00:28:45,760
Speaker 2: three hundred dollars in travel every year, so that cuts

599
00:28:45,800 --> 00:28:49,080
Speaker 2: the fee down to one fifty technically. And then you

600
00:28:49,120 --> 00:28:52,560
Speaker 2: get triple points on travel triple No card I don't

601
00:28:52,560 --> 00:28:57,240
Speaker 2: think gives you triple points on travel purchases, Ubers, triple

602
00:28:57,240 --> 00:29:03,560
Speaker 2: points on dining, Okay, Restaurants, Chipotle, like whatever, triple points

603
00:29:03,560 --> 00:29:12,080
Speaker 2: on dining, triple points on restaurants, and on travel, so flying, Ubers, Subways, anything.

604
00:29:12,160 --> 00:29:15,000
Speaker 2: So I use this is exclusively my travel purchase card.

605
00:29:15,120 --> 00:29:18,440
Speaker 2: So and I'm so I've already qualified for the bonus.

606
00:29:18,520 --> 00:29:20,320
Speaker 2: Basically what I used it for. I took out the

607
00:29:20,360 --> 00:29:23,880
Speaker 2: card to start charging my expenses for my wedding that

608
00:29:23,960 --> 00:29:26,800
Speaker 2: I know I'm gonna pay off immediately with cash, So

609
00:29:26,840 --> 00:29:28,120
Speaker 2: it worked out for me. It happened to be in

610
00:29:28,160 --> 00:29:31,480
Speaker 2: a place right now where I am putting large purchases

611
00:29:31,520 --> 00:29:34,320
Speaker 2: on my credit card so I can immediately hit that minimum.

612
00:29:34,680 --> 00:29:37,080
Speaker 2: And then my fiance also opened one, so now we

613
00:29:37,120 --> 00:29:40,080
Speaker 2: have two hundred thousand points we can use for our honeymoon,

614
00:29:40,520 --> 00:29:41,760
Speaker 2: which I'm really excited about.

615
00:29:43,320 --> 00:29:45,440
Speaker 1: Where have you guys decided where are you gonna go?

616
00:29:45,840 --> 00:29:48,840
Speaker 2: No, we haven't. Once everything like slows down, I guess

617
00:29:48,840 --> 00:29:52,120
Speaker 2: we'll decide. I've been so focused on like the wedding part.

618
00:29:52,400 --> 00:29:55,160
Speaker 2: But yeah, we we haven't like agreed. We both love traveling,

619
00:29:55,160 --> 00:29:58,120
Speaker 2: we just haven't agreed on like the right destination yet.

620
00:29:58,120 --> 00:30:00,520
Speaker 2: We might end up going with like going to a

621
00:30:00,560 --> 00:30:03,840
Speaker 2: travel agent or something and we're using Did you know

622
00:30:03,920 --> 00:30:06,120
Speaker 2: Costco has like vacation packages.

623
00:30:07,520 --> 00:30:09,120
Speaker 1: I think I did hear that. Yep, they do.

624
00:30:09,360 --> 00:30:11,360
Speaker 2: Somebody told me they got their honeymoon through Costco and

625
00:30:11,440 --> 00:30:13,520
Speaker 2: I was like, I mean we've got we got I

626
00:30:13,520 --> 00:30:16,959
Speaker 2: mean you know, we're both group on fans for vacations. Yes,

627
00:30:17,360 --> 00:30:20,200
Speaker 2: so I'm like, I'm interested in what Costco has to offer,

628
00:30:20,240 --> 00:30:23,000
Speaker 2: but I would be down for doing like I think

629
00:30:23,000 --> 00:30:24,760
Speaker 2: what we want is like a mix of like the

630
00:30:25,480 --> 00:30:29,479
Speaker 2: you know, like the luxury honeymoon like beach and like

631
00:30:29,760 --> 00:30:31,880
Speaker 2: you know, cabana on the beach type thing. But then

632
00:30:31,920 --> 00:30:35,480
Speaker 2: also like the you know, getting to you know, visit

633
00:30:35,520 --> 00:30:38,040
Speaker 2: a city and travel around and go to museums and

634
00:30:38,040 --> 00:30:39,600
Speaker 2: stuff like that, like a nice little mix.

635
00:30:40,640 --> 00:30:42,680
Speaker 1: So no, I think I think that's a good idea.

636
00:30:42,720 --> 00:30:44,440
Speaker 1: I like that because you know, on your honeymoon you

637
00:30:44,480 --> 00:30:48,280
Speaker 1: don't necessarily want to rough it, you know, totally sorry,

638
00:30:48,880 --> 00:30:51,240
Speaker 1: but what was that? But I don't know, I'm like something,

639
00:30:51,480 --> 00:30:53,560
Speaker 1: my computer started making noise. I don't know something. My

640
00:30:53,640 --> 00:30:56,760
Speaker 1: Mac is behaving badly these days. I'm not sure why.

641
00:30:57,840 --> 00:31:00,440
Speaker 1: But no, So okay, so I'm gonna look get up

642
00:31:00,440 --> 00:31:02,040
Speaker 1: to see I mean, because.

643
00:31:01,880 --> 00:31:03,960
Speaker 2: The best card out there right now, if you can,

644
00:31:04,120 --> 00:31:06,800
Speaker 2: if you can, but you got to be able to

645
00:31:06,840 --> 00:31:09,320
Speaker 2: swing that four fifty feet because they immediately charge it

646
00:31:09,360 --> 00:31:12,640
Speaker 2: to your card. So yeah, it's not for the it's

647
00:31:12,640 --> 00:31:13,840
Speaker 2: not for the faint of heart. But if you're in

648
00:31:13,840 --> 00:31:16,040
Speaker 2: a situation where you can, I mean, I feel like

649
00:31:16,080 --> 00:31:18,200
Speaker 2: you'd probably be you'd probably you'd definitely be able to

650
00:31:18,200 --> 00:31:22,120
Speaker 2: handle it. Yeah, it's an awesome chard. I use that

651
00:31:22,160 --> 00:31:25,240
Speaker 2: basically exclusively. I just go from card that gives me

652
00:31:25,280 --> 00:31:29,040
Speaker 2: the best reward to the next and when it stops

653
00:31:29,080 --> 00:31:31,400
Speaker 2: giving me a reward, I basically stop using it.

654
00:31:33,760 --> 00:31:34,920
Speaker 1: Now. I like that. I just don't want to have

655
00:31:34,960 --> 00:31:36,760
Speaker 1: to open up too many like cards, so I'm just

656
00:31:36,800 --> 00:31:39,160
Speaker 1: like a but yeah, I think I'm gonna look into it.

657
00:31:40,280 --> 00:31:42,240
Speaker 2: And if you're if the four to fifty feet hurts

658
00:31:42,240 --> 00:31:44,200
Speaker 2: your heart too much, there is a lower There's a

659
00:31:44,200 --> 00:31:46,360
Speaker 2: lower tier card which I actually had originally, the Chase

660
00:31:46,360 --> 00:31:50,040
Speaker 2: Sapphire preferred. That one only has a ninety five dollars

661
00:31:50,040 --> 00:31:53,920
Speaker 2: annual fee. You get double points back on travel and

662
00:31:54,320 --> 00:31:57,880
Speaker 2: I think restaurants, and I think the bonus is fifty

663
00:31:57,920 --> 00:32:02,080
Speaker 2: thousand miles, which I got, so really we have two

664
00:32:02,120 --> 00:32:05,200
Speaker 2: hundred and fifty thousand, but I used to some of

665
00:32:05,240 --> 00:32:07,520
Speaker 2: my points already. But that has a fifty thousand dollars

666
00:32:07,600 --> 00:32:09,840
Speaker 2: or fifty thousand point sign up bonus the last time

667
00:32:09,880 --> 00:32:13,920
Speaker 2: I checked. But you have to check that stuff out.

668
00:32:14,600 --> 00:32:16,000
Speaker 1: Okay, sounds good, but.

669
00:32:16,040 --> 00:32:18,440
Speaker 2: You must know yourself, you know that, Like you get

670
00:32:18,440 --> 00:32:20,640
Speaker 2: that plastic in your hand and you get really excited

671
00:32:20,680 --> 00:32:21,840
Speaker 2: and you just want to spend it, and you're like,

672
00:32:21,840 --> 00:32:23,960
Speaker 2: I gotta get to four thousand challenge accepted.

673
00:32:24,800 --> 00:32:26,680
Speaker 1: Yeah, no, don't be that guy.

674
00:32:27,200 --> 00:32:30,000
Speaker 2: You got it. Ah, I gotta pace yourself. But yeah,

675
00:32:30,000 --> 00:32:32,480
Speaker 2: I'm really happy with it. And when I call them,

676
00:32:32,760 --> 00:32:35,880
Speaker 2: I get connected immediately. It is even that little like

677
00:32:35,960 --> 00:32:38,400
Speaker 2: those little things. They treat you really well when you,

678
00:32:38,400 --> 00:32:40,080
Speaker 2: you know, get them four hundred and fifty dollars. It's

679
00:32:40,120 --> 00:32:40,960
Speaker 2: amazing when they do.

680
00:32:41,000 --> 00:32:44,920
Speaker 1: And well, let me like, let's just say, for the lounges,

681
00:32:44,960 --> 00:32:46,040
Speaker 1: are you allowed to bring a guest?

682
00:32:47,280 --> 00:32:49,960
Speaker 2: Yes, you're allowed to bring a guest. I haven't actually tried.

683
00:32:50,360 --> 00:32:52,840
Speaker 1: Yees, And I was just thinking, like, because you know,

684
00:32:52,880 --> 00:32:55,840
Speaker 1: I do travel, not like a whole I mean probably

685
00:32:56,000 --> 00:32:58,240
Speaker 1: more than like the average person, not as much as

686
00:32:58,280 --> 00:33:00,280
Speaker 1: I used to, but still it would be nice. But

687
00:33:00,360 --> 00:33:02,440
Speaker 1: sometimes I'm traveling with someone, so it'd be nice not

688
00:33:02,520 --> 00:33:04,400
Speaker 1: to be like, so i'll see you later. I'm gonna

689
00:33:04,400 --> 00:33:06,600
Speaker 1: go get some snacks. Yeah.

690
00:33:06,640 --> 00:33:08,320
Speaker 2: I think they get that you can you can bring

691
00:33:08,360 --> 00:33:10,840
Speaker 2: a guest. I think in most places. I've only used

692
00:33:10,840 --> 00:33:12,280
Speaker 2: it once on the way here. I used it in

693
00:33:12,560 --> 00:33:14,520
Speaker 2: at London Heathrow. It's kind of mad. I didn't have

694
00:33:14,560 --> 00:33:17,760
Speaker 2: a longer connection because they had their little lounge. There

695
00:33:17,840 --> 00:33:20,600
Speaker 2: was like five in my terminal that I could choose from,

696
00:33:20,680 --> 00:33:22,400
Speaker 2: and I just went to the one that was closest

697
00:33:22,440 --> 00:33:24,440
Speaker 2: to me, and it was it was like down a

698
00:33:24,480 --> 00:33:27,840
Speaker 2: back hallway, up some stairs. But then it was like, oh,

699
00:33:28,200 --> 00:33:29,760
Speaker 2: it's like a speakeasy or something.

700
00:33:30,480 --> 00:33:32,040
Speaker 1: And then when you how did you know it was there?

701
00:33:32,080 --> 00:33:33,080
Speaker 1: Did you google ahead of time?

702
00:33:33,200 --> 00:33:34,719
Speaker 2: They have an app so as soon as you get

703
00:33:34,760 --> 00:33:37,280
Speaker 2: to your airport, you can look up your terminal and

704
00:33:37,280 --> 00:33:39,240
Speaker 2: where you are, and they'll tell you where the lounges

705
00:33:39,240 --> 00:33:42,360
Speaker 2: are around you. It's super helpful, no.

706
00:33:42,360 --> 00:33:44,040
Speaker 1: But I mean because usually there's like it's like an

707
00:33:44,040 --> 00:33:47,160
Speaker 1: American Airlines lounge, a United lounge, so you have access

708
00:33:47,160 --> 00:33:48,040
Speaker 1: to all of those.

709
00:33:48,320 --> 00:33:50,400
Speaker 2: Not all of them. They think there's like I forget,

710
00:33:50,400 --> 00:33:52,560
Speaker 2: there's hundreds, but no, I won't have you want to

711
00:33:52,560 --> 00:33:54,600
Speaker 2: have access to every single lounge in the airport, but

712
00:33:55,040 --> 00:33:58,120
Speaker 2: a good number. I mean, and it's the major airport.

713
00:33:58,120 --> 00:34:03,360
Speaker 2: It's like JFK. There's no lounges at LaGuardia and I

714
00:34:03,400 --> 00:34:09,000
Speaker 2: haven't looked at I gotta look at new Work. Yeah,

715
00:34:09,040 --> 00:34:10,560
Speaker 2: look at Newark or if there's like a place that

716
00:34:10,600 --> 00:34:13,960
Speaker 2: you travel frequently. It's a nice little perk. I mean,

717
00:34:14,440 --> 00:34:16,439
Speaker 2: I definitely saved my life when I had twenty hours

718
00:34:16,480 --> 00:34:18,840
Speaker 2: worth of travel, and I had a nice stop and

719
00:34:19,040 --> 00:34:22,040
Speaker 2: Heathrow where I could like get a semi shower and

720
00:34:22,600 --> 00:34:24,400
Speaker 2: turn into a human again and brush my teeth. That

721
00:34:24,480 --> 00:34:26,560
Speaker 2: was really nice. Use a nice PACKO.

722
00:34:28,000 --> 00:34:29,279
Speaker 1: I was gonna look into that.

723
00:34:29,520 --> 00:34:33,799
Speaker 2: Okay, So that's that's my boost using travel rewards responsibly.

724
00:34:35,000 --> 00:34:37,000
Speaker 2: Oh and no foreign intersaction piece obviously.

725
00:34:37,520 --> 00:34:39,880
Speaker 1: Ivy there, I'll be do you hear that? Boa? Do

726
00:34:39,920 --> 00:34:42,600
Speaker 1: you hear that? Do you do you that card actually

727
00:34:42,680 --> 00:34:44,560
Speaker 1: swipes and works? I'll be leaving you.

728
00:34:44,960 --> 00:34:46,799
Speaker 2: There's just too many good cards out there too. You

729
00:34:46,840 --> 00:34:49,160
Speaker 2: I deal with a It's like bed. There's just there's

730
00:34:49,200 --> 00:34:50,759
Speaker 2: too many good men out there to put up with

731
00:34:50,800 --> 00:34:51,719
Speaker 2: what he's not treating you.

732
00:34:51,719 --> 00:35:05,840
Speaker 1: Right exactly what I mean? Do any good questions? We

733
00:35:05,840 --> 00:35:07,080
Speaker 1: could do a quick Q and A.

734
00:35:07,440 --> 00:35:09,480
Speaker 2: Yes, we have a good question today that I am

735
00:35:09,520 --> 00:35:17,960
Speaker 2: going to retrieve from a listener named April. Just high, ladies,

736
00:35:18,000 --> 00:35:20,000
Speaker 2: I love the show. My question is right on the

737
00:35:20,040 --> 00:35:23,239
Speaker 2: heels of your last conversation about car buying. I'm in

738
00:35:23,280 --> 00:35:25,520
Speaker 2: the market for a new used car and I actually

739
00:35:25,560 --> 00:35:28,600
Speaker 2: want to lease a car. What are the credit ramifications,

740
00:35:28,640 --> 00:35:31,480
Speaker 2: if any, that come along with leasing a car? I

741
00:35:31,480 --> 00:35:33,839
Speaker 2: know it's probably better to work towards buying a car.

742
00:35:33,920 --> 00:35:36,280
Speaker 2: But I've had three cars in the last five years,

743
00:35:36,760 --> 00:35:40,360
Speaker 2: all due to car accidents, dang, and each time I

744
00:35:40,440 --> 00:35:41,880
Speaker 2: ended up with a new car, So it kind of

745
00:35:41,880 --> 00:35:45,840
Speaker 2: feels like I've been leasing them anyway. So any advice

746
00:35:45,880 --> 00:35:49,160
Speaker 2: you could provide would be greatly appreciated.

747
00:35:50,920 --> 00:35:52,760
Speaker 1: Well, I would say, with the lease, just like with anything,

748
00:35:52,800 --> 00:35:54,400
Speaker 1: you know, you're going to pull your credit report, So

749
00:35:54,400 --> 00:35:58,239
Speaker 1: if that's the ramification, but getting a hard pull for

750
00:35:58,280 --> 00:36:01,080
Speaker 1: a car is that's just it happens, you know, if

751
00:36:01,120 --> 00:36:03,880
Speaker 1: you're gonna get a car. I don't you know. I

752
00:36:03,960 --> 00:36:06,480
Speaker 1: know people are like anti lease. I'm not super anti

753
00:36:06,600 --> 00:36:09,760
Speaker 1: least there are some instances where leases leasing makes sense.

754
00:36:10,040 --> 00:36:12,120
Speaker 1: I'll give you an example. My dad is like seventy five.

755
00:36:13,040 --> 00:36:16,879
Speaker 1: He barely drives. I mean his whole life he had

756
00:36:16,920 --> 00:36:19,279
Speaker 1: he always bought like his cars in cash. He went

757
00:36:19,320 --> 00:36:21,160
Speaker 1: to like an auction or whatever and brought them in cash.

758
00:36:21,400 --> 00:36:23,080
Speaker 1: But he's at an age now where he's not trying

759
00:36:23,120 --> 00:36:26,960
Speaker 1: to fix anything, so he went and picked a car.

760
00:36:27,080 --> 00:36:29,440
Speaker 1: My mom is a master negotiator, so like God, his like,

761
00:36:29,480 --> 00:36:31,000
Speaker 1: you know, I forget he got like a maybe a

762
00:36:31,040 --> 00:36:36,239
Speaker 1: twenty sixteen rap or Q little small crossover like like

763
00:36:36,400 --> 00:36:39,600
Speaker 1: not quite an suv but not quite a sedan. And

764
00:36:39,680 --> 00:36:41,919
Speaker 1: you know it's brand news, so he doesn't have to worry.

765
00:36:43,200 --> 00:36:45,120
Speaker 1: But like I said, he doesn't really drive much because

766
00:36:45,120 --> 00:36:46,719
Speaker 1: you know, if you go over your miles with a lease,

767
00:36:46,760 --> 00:36:49,279
Speaker 1: that's when it cost an harm and a leg. So

768
00:36:49,400 --> 00:36:51,719
Speaker 1: for him, someone who is going to be light on

769
00:36:51,760 --> 00:36:54,279
Speaker 1: the car and light on the miles, and I think

770
00:36:54,320 --> 00:36:56,719
Speaker 1: he I think my mom talked it down to like

771
00:36:56,840 --> 00:37:00,480
Speaker 1: one something a month and includes like all all like

772
00:37:01,520 --> 00:37:03,560
Speaker 1: the tune ups and all that kind of stuff and

773
00:37:03,640 --> 00:37:06,880
Speaker 1: three years. She's, like I said, a master negotiator, and

774
00:37:06,920 --> 00:37:08,600
Speaker 1: she got him like every disk kind of available. She

775
00:37:08,680 --> 00:37:10,600
Speaker 1: was like she made a list, like he's seventy five.

776
00:37:11,280 --> 00:37:15,800
Speaker 1: My cousin works here. My mother came with a list,

777
00:37:16,400 --> 00:37:17,680
Speaker 1: and like I said, I got him down to one

778
00:37:17,760 --> 00:37:21,480
Speaker 1: something three year lease. So for him, that's it. To me,

779
00:37:21,560 --> 00:37:24,919
Speaker 1: that was a perfect choice for him because at seventy five,

780
00:37:25,120 --> 00:37:27,000
Speaker 1: he's not going to the auction trying to battle and

781
00:37:27,040 --> 00:37:29,080
Speaker 1: hope that he gets you know, a good use car.

782
00:37:29,680 --> 00:37:32,440
Speaker 1: And it makes sense because then in three years he

783
00:37:32,440 --> 00:37:34,360
Speaker 1: can get a brand new car again if he's still driving,

784
00:37:34,360 --> 00:37:35,319
Speaker 1: which let's hope he's not.

785
00:37:37,280 --> 00:37:40,279
Speaker 2: Yeah, it's a lower I didn't realize, so, I mean,

786
00:37:40,280 --> 00:37:42,800
Speaker 2: I guess everyone. The advantage of a lease is that

787
00:37:42,840 --> 00:37:46,200
Speaker 2: you get a lower monthly payment, so you can get

788
00:37:46,200 --> 00:37:48,359
Speaker 2: a nice car, for example, and then spend less money

789
00:37:48,360 --> 00:37:51,120
Speaker 2: than someone who actually bought the car. And then you're

790
00:37:51,160 --> 00:37:54,480
Speaker 2: always under warranty so you're not paying for like basic

791
00:37:54,520 --> 00:37:57,239
Speaker 2: repairs all the time. And then if you want to

792
00:37:57,320 --> 00:38:00,400
Speaker 2: change cars every two three years like this April. Fortunately,

793
00:38:00,440 --> 00:38:02,440
Speaker 2: I don't know what happens if you reck a lease, but.

794
00:38:02,680 --> 00:38:04,600
Speaker 1: I know no, you pay. I mean they pay me

795
00:38:04,640 --> 00:38:06,759
Speaker 1: because you're under you have full coverage with the least

796
00:38:06,760 --> 00:38:07,800
Speaker 1: you have to have full coverage.

797
00:38:07,840 --> 00:38:10,920
Speaker 2: Yeah, okay, well that's good, good good. But then on

798
00:38:10,920 --> 00:38:13,200
Speaker 2: the other hand, like you mentioned, you're usually limited to

799
00:38:13,239 --> 00:38:16,600
Speaker 2: a certain mileage. I think it's like twelve thousand per year,

800
00:38:17,480 --> 00:38:17,680
Speaker 2: and you.

801
00:38:17,680 --> 00:38:20,560
Speaker 1: Can negotiate that though I will say you can negotiate, okay,

802
00:38:21,040 --> 00:38:24,440
Speaker 1: mm hmm, but it's just like you know, but if

803
00:38:24,480 --> 00:38:27,319
Speaker 1: you go over because I remember the mistake my parents made.

804
00:38:27,320 --> 00:38:29,520
Speaker 1: I don't know what they were thinking, but when I

805
00:38:29,600 --> 00:38:32,400
Speaker 1: was in college, they got my sisters and I was

806
00:38:32,440 --> 00:38:34,000
Speaker 1: like three of us that were sharing her car because

807
00:38:34,000 --> 00:38:35,440
Speaker 1: we were both going all of us were going to

808
00:38:35,480 --> 00:38:38,120
Speaker 1: the same college and we were commuting. They got us

809
00:38:38,160 --> 00:38:40,279
Speaker 1: like a really nice it was a Pathfinder, which was

810
00:38:40,320 --> 00:38:42,520
Speaker 1: like the car of the year and it was that year.

811
00:38:42,560 --> 00:38:44,400
Speaker 1: So we were so geeked up. But it was at

812
00:38:44,480 --> 00:38:45,960
Speaker 1: least because they were like, you know, we're gonna get

813
00:38:45,960 --> 00:38:48,720
Speaker 1: them a lease and the worst mistake they could have made.

814
00:38:49,160 --> 00:38:50,919
Speaker 1: We ran through those miles in like the first three

815
00:38:50,960 --> 00:38:55,480
Speaker 1: months because we were like I was like nineteen and

816
00:38:55,560 --> 00:38:57,600
Speaker 1: I had a nice car, what I was going everywhere?

817
00:38:57,640 --> 00:38:59,320
Speaker 1: They didn't know. We were like, let's go to Delaware

818
00:39:00,280 --> 00:39:05,080
Speaker 1: this weekend. Meanwhile, live in Jersey, so we at least

819
00:39:05,080 --> 00:39:07,440
Speaker 1: it's not for someone who's doing a lot of driving.

820
00:39:08,280 --> 00:39:11,600
Speaker 1: Because my mom was like horrified when she realized how

821
00:39:11,600 --> 00:39:14,319
Speaker 1: many of the miles that we had used already. They

822
00:39:14,360 --> 00:39:16,759
Speaker 1: actually had to like put the car up because by

823
00:39:16,800 --> 00:39:19,040
Speaker 1: the time if we would have kept going, we would

824
00:39:19,080 --> 00:39:21,560
Speaker 1: have bought the car. Like that's how much we were

825
00:39:21,560 --> 00:39:23,560
Speaker 1: gonna go over and how much they charge you per mile.

826
00:39:24,440 --> 00:39:27,399
Speaker 1: So just be just be very mindful of your you know,

827
00:39:27,680 --> 00:39:30,239
Speaker 1: of your driving patterns. Do you do live really far

828
00:39:30,239 --> 00:39:32,240
Speaker 1: from work? Do you do a whole lot of driving,

829
00:39:32,600 --> 00:39:34,759
Speaker 1: how much you're driving on average year. Like, so if

830
00:39:34,800 --> 00:39:38,080
Speaker 1: you go to like you know, Google Maps, you can

831
00:39:38,120 --> 00:39:40,520
Speaker 1: put in your address home address, and your work address

832
00:39:40,880 --> 00:39:43,080
Speaker 1: and other places that you go, and multiply times how

833
00:39:43,120 --> 00:39:45,320
Speaker 1: many times you go there a week, then by fifty

834
00:39:45,360 --> 00:39:48,120
Speaker 1: two weeks basically give or take. Then you can kind

835
00:39:48,120 --> 00:39:50,680
Speaker 1: of see like, uh, I'm already at the cusp. You

836
00:39:50,719 --> 00:39:52,800
Speaker 1: know that doesn't include going to the mall and grocery

837
00:39:52,800 --> 00:39:54,319
Speaker 1: store and all that kind of stuff, so at least

838
00:39:54,360 --> 00:39:55,000
Speaker 1: might not be for you.

839
00:39:55,040 --> 00:39:59,719
Speaker 2: Then, well, miss April, I hope you're staying safe out there.

840
00:39:59,800 --> 00:40:03,719
Speaker 2: That's sounds traumatic to have so many accents, and you know.

841
00:40:03,640 --> 00:40:06,920
Speaker 1: I can only imagine her own car insurance must be astronomical.

842
00:40:07,080 --> 00:40:09,839
Speaker 2: Oh my goodness, is your insurance? Does that change when

843
00:40:09,840 --> 00:40:11,000
Speaker 2: you have a lease? Do you think it's Is it

844
00:40:11,080 --> 00:40:12,239
Speaker 2: higher or lower? Do you know?

845
00:40:12,600 --> 00:40:14,960
Speaker 1: Well, you have to have full for covers because the

846
00:40:15,000 --> 00:40:18,800
Speaker 1: car is not yours, like the leasing whoever you're leasing

847
00:40:18,800 --> 00:40:21,239
Speaker 1: that car from, because basically they're like, no, the car's

848
00:40:21,280 --> 00:40:22,719
Speaker 1: not yours. You have to bring it back to us

849
00:40:22,760 --> 00:40:27,200
Speaker 1: in like pristine condition basically, so you're, yes, you're gonna

850
00:40:27,200 --> 00:40:30,040
Speaker 1: pay more, just because you're gonna have to have full coverage.

851
00:40:30,080 --> 00:40:34,040
Speaker 1: But I don't know. I don't know if it's the

852
00:40:34,080 --> 00:40:36,319
Speaker 1: full coverage. Is a premium on your full coverage because

853
00:40:36,719 --> 00:40:38,520
Speaker 1: if it's a lease, I'm not sure about that, but

854
00:40:38,560 --> 00:40:40,600
Speaker 1: I know that you do have to you can't have

855
00:40:40,680 --> 00:40:42,160
Speaker 1: like like me, I have a ninety nine TOI de

856
00:40:42,200 --> 00:40:44,680
Speaker 1: camera right now so I can have the most basic

857
00:40:44,719 --> 00:40:47,040
Speaker 1: I think I paid sixty two bucks a month, like

858
00:40:47,080 --> 00:40:48,359
Speaker 1: with the least. You're not gonna do that.

859
00:40:48,480 --> 00:40:50,040
Speaker 2: You can't wait for the day when you come on

860
00:40:50,040 --> 00:40:52,960
Speaker 2: the show and you're like, no, I did it.

861
00:40:54,120 --> 00:40:56,040
Speaker 1: But you know what, me and Superman we actually went

862
00:40:56,360 --> 00:40:59,920
Speaker 1: house shopping this weekend and last week and depending on

863
00:41:00,040 --> 00:41:03,840
Speaker 1: how much we spend, we're either lived there or we'll

864
00:41:04,000 --> 00:41:06,959
Speaker 1: just buy it and then move to someplace else.

865
00:41:07,320 --> 00:41:09,440
Speaker 2: You know, are you doing like a fixer upper? Are

866
00:41:09,480 --> 00:41:10,960
Speaker 2: you gonna get something that's ready to move in and

867
00:41:11,000 --> 00:41:11,960
Speaker 2: rent out immediately?

868
00:41:13,400 --> 00:41:15,000
Speaker 1: I think someplace in the middle. Like so I'm not

869
00:41:15,040 --> 00:41:17,160
Speaker 1: a super fixer upper, but he's really handy, Like he

870
00:41:17,200 --> 00:41:19,400
Speaker 1: knows how to lay tile and put that floor, and

871
00:41:19,840 --> 00:41:21,839
Speaker 1: you know, he knows how to speckle and paint and

872
00:41:21,880 --> 00:41:23,920
Speaker 1: so you know, because that's what he does for his

873
00:41:23,960 --> 00:41:28,400
Speaker 1: current job. So we're okay with having to do some fixing,

874
00:41:28,800 --> 00:41:31,439
Speaker 1: but I'm not looking for like a total gut job

875
00:41:31,520 --> 00:41:34,480
Speaker 1: at all. Yeah, you know, so, so I'm basic fixing,

876
00:41:34,520 --> 00:41:36,800
Speaker 1: you know where. I'm fine with that. And so depending

877
00:41:36,840 --> 00:41:40,560
Speaker 1: on the neighborhood, Like we saw two homes today which

878
00:41:40,600 --> 00:41:43,800
Speaker 1: they were insanely inexpensive, and I know why because across

879
00:41:43,800 --> 00:41:46,960
Speaker 1: the street it was a beautiful block in Newer Beautiful.

880
00:41:47,000 --> 00:41:48,520
Speaker 1: I was actually shocked, like, are you sure this is

881
00:41:48,560 --> 00:41:53,440
Speaker 1: Newark beautiful block in Newark quiet tree line. It was

882
00:41:53,480 --> 00:41:56,839
Speaker 1: like a throwback. But the house across the street caught

883
00:41:56,920 --> 00:41:59,800
Speaker 1: fire and you could tell it kind of gave damage

884
00:41:59,800 --> 00:42:02,320
Speaker 1: to the house next to it. So as a result,

885
00:42:02,320 --> 00:42:06,160
Speaker 1: they're both empty, and you know, empty houses bring vagrants,

886
00:42:07,320 --> 00:42:11,040
Speaker 1: and so as a result, the two houses that we

887
00:42:11,040 --> 00:42:13,320
Speaker 1: were looking at, there's two three family houses next to

888
00:42:13,400 --> 00:42:15,400
Speaker 1: each other. One was one hundred and sixty five thousand.

889
00:42:15,440 --> 00:42:17,640
Speaker 1: One was one hundred and seventy five thousand. That's next

890
00:42:17,640 --> 00:42:19,080
Speaker 1: to nothing for a three family house.

891
00:42:19,560 --> 00:42:20,040
Speaker 2: Wow.

892
00:42:20,520 --> 00:42:23,439
Speaker 1: Yeah, And so the one work, I know, the one

893
00:42:23,440 --> 00:42:26,600
Speaker 1: that's one hundred and seventy five thousand, Mandy, look the

894
00:42:27,080 --> 00:42:29,080
Speaker 1: one of the apartments is reading four thousand, the other

895
00:42:29,120 --> 00:42:31,440
Speaker 1: one four thousand, the other one for six hundred and

896
00:42:31,520 --> 00:42:33,799
Speaker 1: seventy five dollars. The mortgage is going to be under

897
00:42:33,800 --> 00:42:36,799
Speaker 1: one thousand dollars. So that's a that's a profit every

898
00:42:36,840 --> 00:42:39,719
Speaker 1: month of what sixteen hundred dollars a month if we

899
00:42:39,760 --> 00:42:40,359
Speaker 1: don't live there?

900
00:42:40,880 --> 00:42:42,520
Speaker 2: Are there are already tenants living there?

901
00:42:42,920 --> 00:42:44,960
Speaker 1: Yep, there are already tenants. They're it's fully rented.

902
00:42:45,040 --> 00:42:46,920
Speaker 2: Oh so you get all the tenants. So why are

903
00:42:46,920 --> 00:42:48,040
Speaker 2: they selling it? I wonder?

904
00:42:48,239 --> 00:42:50,760
Speaker 1: I don't know. That's well, we literally just the agent

905
00:42:50,840 --> 00:42:52,640
Speaker 1: just sent it to us today and said, you know,

906
00:42:52,800 --> 00:42:54,480
Speaker 1: go take a look if you want to come see it.

907
00:42:54,480 --> 00:42:56,120
Speaker 1: So we drove by because we always do a drive

908
00:42:56,160 --> 00:42:58,759
Speaker 1: by first, and so I haven't asked, you know, I

909
00:42:58,840 --> 00:43:01,680
Speaker 1: want to ask like those questionestion, and I'm wondering, Well,

910
00:43:01,760 --> 00:43:04,200
Speaker 1: obviously my concern is there's a house across the street

911
00:43:04,400 --> 00:43:06,479
Speaker 1: there was a fire. How long has this house looked

912
00:43:06,480 --> 00:43:08,839
Speaker 1: like this? It doesn't look like it's been there for

913
00:43:09,000 --> 00:43:11,240
Speaker 1: years and it was abandoned. It looks like the fire

914
00:43:11,320 --> 00:43:13,640
Speaker 1: is fairly recent. What are they doing about this house?

915
00:43:13,640 --> 00:43:17,240
Speaker 1: Because although this is a beautiful block, these burned houses

916
00:43:17,400 --> 00:43:19,600
Speaker 1: could be the end of this block, you.

917
00:43:19,560 --> 00:43:22,440
Speaker 2: Know, yeah, take some property values.

918
00:43:22,360 --> 00:43:25,000
Speaker 1: Exactly, So of course there's a concern. And then too,

919
00:43:25,440 --> 00:43:27,759
Speaker 1: you know these people who are living here, now, yes

920
00:43:27,840 --> 00:43:29,520
Speaker 1: they might have been living here all the time, but

921
00:43:29,560 --> 00:43:31,080
Speaker 1: they might be like, I'm moving. I don't want to

922
00:43:31,080 --> 00:43:33,120
Speaker 1: live across the street. It's been up here for three months.

923
00:43:33,160 --> 00:43:35,160
Speaker 1: This house has been burned down, let's just say, but

924
00:43:35,239 --> 00:43:37,560
Speaker 1: I don't know how long. So there's some questions that

925
00:43:37,640 --> 00:43:40,239
Speaker 1: I have because although, like I said, it's honestly a

926
00:43:40,280 --> 00:43:45,400
Speaker 1: great block, and I'm just like, so, you know, you

927
00:43:45,520 --> 00:43:47,440
Speaker 1: just don't know. And so those are questions. But we

928
00:43:47,480 --> 00:43:50,600
Speaker 1: also saw another property that we actually could live in

929
00:43:51,239 --> 00:43:55,800
Speaker 1: and it would still be some some profit involved because

930
00:43:55,840 --> 00:43:58,040
Speaker 1: it's the block is better, the area is better. It's

931
00:43:58,120 --> 00:43:59,799
Speaker 1: really close to the train station. I mean, like a

932
00:43:59,800 --> 00:44:02,680
Speaker 1: fire meant a walk to from Newark train station, which

933
00:44:02,719 --> 00:44:05,160
Speaker 1: goes directly to New York in like twelve minutes. And

934
00:44:05,200 --> 00:44:07,560
Speaker 1: it's really close to the airport, which is maybe like

935
00:44:07,600 --> 00:44:09,839
Speaker 1: a ten minute drive, So that means renting it won't

936
00:44:09,840 --> 00:44:12,880
Speaker 1: be hard. And the location is nice, so and like

937
00:44:12,920 --> 00:44:14,520
Speaker 1: you know, that one's a little bit more money. But

938
00:44:15,000 --> 00:44:17,319
Speaker 1: so we're just kind of like weighing our options. So

939
00:44:17,400 --> 00:44:20,320
Speaker 1: it's a if the neighborhood or it's not the greatest,

940
00:44:20,360 --> 00:44:22,680
Speaker 1: then if it's fully rented, I don't mind buying, we

941
00:44:22,800 --> 00:44:26,200
Speaker 1: just won't live there. So yeah, so that's our to

942
00:44:26,239 --> 00:44:29,120
Speaker 1: me before we get a car. I really wanted to

943
00:44:29,680 --> 00:44:33,520
Speaker 1: get this property because Newark honestly is on the cusp

944
00:44:33,680 --> 00:44:37,439
Speaker 1: I mean, bless you, it's on the cusp becoming that's okay,

945
00:44:37,520 --> 00:44:39,640
Speaker 1: the new Brooklyn. And I don't want to be edged

946
00:44:39,680 --> 00:44:41,880
Speaker 1: out and not be able to afford stuff because we waited.

947
00:44:41,960 --> 00:44:42,160
Speaker 1: You know.

948
00:44:43,280 --> 00:44:44,960
Speaker 2: Yeah, I feel like if I had been if I

949
00:44:45,000 --> 00:44:47,279
Speaker 2: lived in Astoria, if I had been like I am

950
00:44:47,360 --> 00:44:49,279
Speaker 2: now seven years ago, when I first moved to a

951
00:44:49,320 --> 00:44:52,480
Speaker 2: story acquaintance, I would have totally would have bought something.

952
00:44:52,520 --> 00:44:56,160
Speaker 2: But now it's like, yep, totally priced out, can't do it. Yeah,

953
00:44:56,840 --> 00:44:57,520
Speaker 2: that's exciting.

954
00:44:58,880 --> 00:45:00,719
Speaker 1: Yeah, So that's why I said, you know, I want

955
00:45:00,760 --> 00:45:02,720
Speaker 1: to because I mean, Whole Foods is coming in Newark.

956
00:45:02,800 --> 00:45:05,360
Speaker 1: I'm telling you. People have been saying Newark is coming coming, coming,

957
00:45:05,440 --> 00:45:08,960
Speaker 1: like you know, kind of just like coming back from

958
00:45:09,120 --> 00:45:11,799
Speaker 1: there were like these terrible riots in the sixties. But

959
00:45:11,960 --> 00:45:14,160
Speaker 1: I can honestly say we're at that point. It's the

960
00:45:14,200 --> 00:45:16,360
Speaker 1: tipping point now because there are things that are coming

961
00:45:16,400 --> 00:45:20,800
Speaker 1: here that are signifiers of gentrification, basically a whole food

962
00:45:21,000 --> 00:45:24,960
Speaker 1: apple store, things that would never Starbucks moved here. There's

963
00:45:24,960 --> 00:45:29,040
Speaker 1: a gap now Newark, New Jersey, and so I'm yeah,

964
00:45:29,200 --> 00:45:31,839
Speaker 1: and so you're kind of like, okay, these are these

965
00:45:31,840 --> 00:45:34,759
Speaker 1: are kind of like flags that there's a turn and

966
00:45:34,800 --> 00:45:37,359
Speaker 1: there's a change happening, and if you don't buy now,

967
00:45:37,440 --> 00:45:39,320
Speaker 1: you will not be able to afford in five years,

968
00:45:39,320 --> 00:45:42,400
Speaker 1: you know. So we want to get like, you know,

969
00:45:43,040 --> 00:45:45,080
Speaker 1: we want to get a couple of properties and maybe

970
00:45:45,080 --> 00:45:47,719
Speaker 1: two or three and then buy our own home. I

971
00:45:47,800 --> 00:45:49,840
Speaker 1: might not live in Newark, I don't know. I haven't decided,

972
00:45:49,880 --> 00:45:52,080
Speaker 1: but you know, buy our own, like one family home

973
00:45:52,120 --> 00:45:54,000
Speaker 1: that will live in, but I definitely want to get

974
00:45:54,040 --> 00:45:57,480
Speaker 1: at least two or three income generating multi family properties

975
00:45:57,480 --> 00:46:00,680
Speaker 1: and created LLC and then hopefully Superman will be able

976
00:46:00,719 --> 00:46:04,080
Speaker 1: to quit his job. And because literally that's what he

977
00:46:04,120 --> 00:46:05,719
Speaker 1: does that for a living. So I'm like, well, why

978
00:46:05,760 --> 00:46:08,120
Speaker 1: not do that for less units? Because right now where

979
00:46:08,120 --> 00:46:11,160
Speaker 1: he works is three hundred units that's that he takes

980
00:46:11,200 --> 00:46:12,640
Speaker 1: care of. And I'm like, well, why not do just

981
00:46:12,760 --> 00:46:16,520
Speaker 1: nine units and make more money, you know, So that's like,

982
00:46:16,600 --> 00:46:17,320
Speaker 1: that's the plan.

983
00:46:18,000 --> 00:46:19,239
Speaker 2: That sounds like a good plan to me.

984
00:46:19,800 --> 00:46:21,440
Speaker 1: And I know, I'm feeling excited about it because I

985
00:46:21,719 --> 00:46:23,080
Speaker 1: love because you know, if I travel, would be so

986
00:46:23,160 --> 00:46:25,919
Speaker 1: nice to be like, hey, man, want to come, because

987
00:46:25,960 --> 00:46:27,680
Speaker 1: so many of these places where I speak, they don't

988
00:46:27,680 --> 00:46:30,000
Speaker 1: mind if I bring someone sometimes, you know, or maybe

989
00:46:30,040 --> 00:46:31,799
Speaker 1: they're like, okay, you have to get their own flight.

990
00:46:31,880 --> 00:46:34,600
Speaker 1: But you know, typically I always almost have points on

991
00:46:34,640 --> 00:46:36,879
Speaker 1: my card. I'm like, all right, flights, flight is taken

992
00:46:36,960 --> 00:46:38,840
Speaker 1: care of, so hotel and all that kind of stuff

993
00:46:38,880 --> 00:46:41,080
Speaker 1: is free. But he can't get away because he's working,

994
00:46:41,120 --> 00:46:51,600
Speaker 1: you know, nine to five. So we're closing with our wins.

995
00:46:52,200 --> 00:46:54,080
Speaker 1: Do you have a win? Miss Woodruff.

996
00:46:54,800 --> 00:46:57,279
Speaker 2: I'm excited that I managed to stay awake for this

997
00:46:57,719 --> 00:46:58,320
Speaker 2: entire request.

998
00:46:59,080 --> 00:47:00,160
Speaker 1: I'm proud of you, I was.

999
00:47:00,880 --> 00:47:06,960
Speaker 2: I was like hm hm, Also, I know your wind

1000
00:47:07,000 --> 00:47:08,640
Speaker 2: is so awesome, so you go, I mean, I guess

1001
00:47:08,640 --> 00:47:10,719
Speaker 2: I My win is that I'm in India. This is extraordinary.

1002
00:47:10,719 --> 00:47:13,279
Speaker 2: It's amazing. I'm going to sound much more excited about it.

1003
00:47:13,280 --> 00:47:14,960
Speaker 2: And when I come back next week and I can

1004
00:47:15,000 --> 00:47:18,880
Speaker 2: digest and sleep, it's been it's been incredible. People have

1005
00:47:18,960 --> 00:47:23,439
Speaker 2: been so nice, so generous. I did some I saw

1006
00:47:23,560 --> 00:47:27,359
Speaker 2: a world saw two World Heritage sites in one day,

1007
00:47:27,400 --> 00:47:32,479
Speaker 2: which were awesome. So yeah, it's just such a cool experience, all.

1008
00:47:32,440 --> 00:47:35,400
Speaker 1: Right, something textile bringing textiles back, like something the beautiful

1009
00:47:35,400 --> 00:47:36,200
Speaker 1: scarf for something.

1010
00:47:36,400 --> 00:47:38,320
Speaker 2: My dad told me to bring a whole suitcase and

1011
00:47:38,320 --> 00:47:40,560
Speaker 2: buy some weaves and come back to America and sell them.

1012
00:47:40,880 --> 00:47:45,440
Speaker 1: I cannot. I love you so much.

1013
00:47:45,840 --> 00:47:47,879
Speaker 2: How does he know about weaves in India? He needs

1014
00:47:47,920 --> 00:47:48,680
Speaker 2: to get out of here.

1015
00:47:51,080 --> 00:47:55,840
Speaker 1: So my win for this week is so sorry, that

1016
00:47:55,920 --> 00:48:00,239
Speaker 1: was really monk. My my publicist has been pitching me

1017
00:48:00,280 --> 00:48:02,600
Speaker 1: to this TV show for literally a year. I think

1018
00:48:02,600 --> 00:48:07,160
Speaker 1: she started in January and then she got the call

1019
00:48:07,800 --> 00:48:10,719
Speaker 1: that I was going to be a guest on the

1020
00:48:10,840 --> 00:48:13,839
Speaker 1: Real But the way it works, like when you get

1021
00:48:13,840 --> 00:48:16,719
Speaker 1: the call for like a major show, is that there's

1022
00:48:16,760 --> 00:48:19,440
Speaker 1: no guarantee until you're literally sitting on the stage. So

1023
00:48:19,480 --> 00:48:21,040
Speaker 1: you know, you get the call, Yeah, we're interested in

1024
00:48:21,120 --> 00:48:23,080
Speaker 1: having you send this over some things that you want

1025
00:48:23,120 --> 00:48:25,600
Speaker 1: to talk about. So basically you have to write your

1026
00:48:25,600 --> 00:48:28,480
Speaker 1: own segment. So I submitted my first segment and they

1027
00:48:28,480 --> 00:48:30,680
Speaker 1: were like, yeah, not so much, we're thinking more about this,

1028
00:48:30,719 --> 00:48:32,320
Speaker 1: and I was like, oh my gosh, you basically get like,

1029
00:48:32,360 --> 00:48:35,360
Speaker 1: you know, two chances. So in the second segment, I

1030
00:48:35,360 --> 00:48:38,080
Speaker 1: wrote like based upon like their feedback, and I over delivered.

1031
00:48:38,200 --> 00:48:41,800
Speaker 1: So typically a segment is maybe like three to five points,

1032
00:48:41,800 --> 00:48:43,799
Speaker 1: so it might be like five ways to raise your

1033
00:48:43,800 --> 00:48:46,840
Speaker 1: credit score or you know, six ways to get your

1034
00:48:46,880 --> 00:48:49,239
Speaker 1: hair done cheaply. That's what segments are, you know, for

1035
00:48:49,320 --> 00:48:53,440
Speaker 1: those of you you know listening, And so mine was

1036
00:48:53,480 --> 00:48:56,000
Speaker 1: holiday savings, and so that's what they wanted. They wanted

1037
00:48:56,000 --> 00:48:58,920
Speaker 1: a holiday savings segment. So the first one, you know,

1038
00:48:59,160 --> 00:49:01,120
Speaker 1: I guess they were just we want more. So they

1039
00:49:01,160 --> 00:49:04,360
Speaker 1: gave me some categories and holiday savings they wanted. So

1040
00:49:04,400 --> 00:49:08,400
Speaker 1: I think I gave them like twelve different tips. Not

1041
00:49:08,520 --> 00:49:10,280
Speaker 1: that I was gonna go on there and do twelve,

1042
00:49:10,520 --> 00:49:13,680
Speaker 1: you know, points, but I knew that if they were,

1043
00:49:14,000 --> 00:49:16,080
Speaker 1: you know, of the twelve, I'm hoping they would find

1044
00:49:16,160 --> 00:49:18,680
Speaker 1: three or four that they liked, you know, And so

1045
00:49:18,800 --> 00:49:21,040
Speaker 1: thankfully they did and they're like, okay, yes, we like it.

1046
00:49:21,280 --> 00:49:24,200
Speaker 1: So even then there's no guarantee because sometimes you know,

1047
00:49:24,239 --> 00:49:26,359
Speaker 1: like let's just say California has an earthquake, They're like, girl,

1048
00:49:26,360 --> 00:49:30,799
Speaker 1: don't nobody care about your holiday savings and so then

1049
00:49:30,880 --> 00:49:32,480
Speaker 1: they were like, okay, you know, we're gonna fly you

1050
00:49:32,520 --> 00:49:35,640
Speaker 1: out here, and so everything moved fairly quickly. They flew

1051
00:49:35,719 --> 00:49:38,680
Speaker 1: me out theater and they came with me, and I

1052
00:49:39,080 --> 00:49:42,600
Speaker 1: had never been on a show that was so organized.

1053
00:49:42,719 --> 00:49:45,680
Speaker 1: I mean they were like I had like two days.

1054
00:49:45,719 --> 00:49:48,000
Speaker 1: I begged my sister to come with me to go.

1055
00:49:48,120 --> 00:49:48,239
Speaker 2: Well.

1056
00:49:48,239 --> 00:49:50,160
Speaker 1: I didn't really have to beg her because she loves shopping,

1057
00:49:50,280 --> 00:49:53,719
Speaker 1: but she is like the master stylist. She actually is

1058
00:49:53,760 --> 00:49:57,320
Speaker 1: a buyer for dress Barn and she just got a

1059
00:49:57,360 --> 00:50:01,160
Speaker 1: job with let me not say, oops my bad. Uh anyway,

1060
00:50:01,239 --> 00:50:05,839
Speaker 1: so yeah, she's a buyer with dress bar and anyway,

1061
00:50:06,200 --> 00:50:08,520
Speaker 1: because she didn't tell the dress market, so yeah, she's

1062
00:50:08,560 --> 00:50:12,000
Speaker 1: a buyer. And so she took me to like J. C. Petty,

1063
00:50:12,000 --> 00:50:13,839
Speaker 1: which you know, you don't think you're gonna find something fly,

1064
00:50:14,000 --> 00:50:17,719
Speaker 1: but what we found some fly dresses and the real

1065
00:50:17,880 --> 00:50:20,879
Speaker 1: actually asked for three outfit choices. I had to take

1066
00:50:20,920 --> 00:50:22,960
Speaker 1: pictures and send it. I never had to do that before.

1067
00:50:23,040 --> 00:50:24,920
Speaker 1: Oh wow, And they were like yeah, they were like, oh,

1068
00:50:24,920 --> 00:50:26,799
Speaker 1: we like this one and then but they were like

1069
00:50:26,880 --> 00:50:28,520
Speaker 1: still bring the other two. And I was like, wow,

1070
00:50:28,560 --> 00:50:30,839
Speaker 1: they're so particular. So I get there, They're like, make

1071
00:50:30,880 --> 00:50:32,840
Speaker 1: sure you text us on the way to the airport,

1072
00:50:33,160 --> 00:50:34,960
Speaker 1: make sure you text us when you're boarding, make sure

1073
00:50:35,000 --> 00:50:36,759
Speaker 1: you text us when you get off. Like they want

1074
00:50:36,760 --> 00:50:39,640
Speaker 1: to make sure that like that you're coming and that

1075
00:50:39,680 --> 00:50:41,680
Speaker 1: you're here, and that you know, because I didn't realize,

1076
00:50:41,719 --> 00:50:45,520
Speaker 1: like my friend had set her DVR to record my

1077
00:50:45,600 --> 00:50:48,840
Speaker 1: segment and in the like the TV guide description, my

1078
00:50:48,920 --> 00:50:51,000
Speaker 1: name was there. So what that means is, you know,

1079
00:50:51,040 --> 00:50:53,759
Speaker 1: they've already basically told the world Tiffany's coming, so they

1080
00:50:53,800 --> 00:50:55,880
Speaker 1: want to make sure that you make it there. And

1081
00:50:55,960 --> 00:50:59,520
Speaker 1: so everybody was so nice, from the drivers to the

1082
00:51:00,440 --> 00:51:04,040
Speaker 1: production assistant, to the producer to the makeup lady. Everyone

1083
00:51:04,239 --> 00:51:07,720
Speaker 1: was so nice and accommodating. And when I got on stage,

1084
00:51:07,760 --> 00:51:11,799
Speaker 1: I mean Tamara, Jeanie, Lannie Adrian, the host of The

1085
00:51:11,840 --> 00:51:14,560
Speaker 1: Real everybody, I mean, it was like a love Beth.

1086
00:51:14,600 --> 00:51:16,720
Speaker 1: I'm like, wow. So I even though I was nervous,

1087
00:51:17,000 --> 00:51:21,400
Speaker 1: they were. They're so professional in that a good host

1088
00:51:21,680 --> 00:51:24,399
Speaker 1: knows how to make you feel relaxed before you go live,

1089
00:51:24,680 --> 00:51:26,880
Speaker 1: So that way, it feels like it's just a continuation

1090
00:51:26,960 --> 00:51:29,360
Speaker 1: of the conversation. That's what a good host, not everyone

1091
00:51:29,440 --> 00:51:31,799
Speaker 1: does that because I've definitely been on shows where the

1092
00:51:31,840 --> 00:51:34,080
Speaker 1: host was mean and nasty until the lights came on,

1093
00:51:34,320 --> 00:51:36,239
Speaker 1: until the camera came on, and then I have to

1094
00:51:36,280 --> 00:51:38,880
Speaker 1: pretend like this person wasn't just mean to me, and

1095
00:51:38,920 --> 00:51:40,879
Speaker 1: I'm like, hi, you know that has happened to me before.

1096
00:51:40,960 --> 00:51:43,600
Speaker 2: Wait, So see who's the because the real is like

1097
00:51:43,600 --> 00:51:46,080
Speaker 2: the new view, right, it's like the fun younger. And

1098
00:51:46,080 --> 00:51:47,040
Speaker 2: who's the main host?

1099
00:51:48,000 --> 00:51:49,360
Speaker 1: I don't know that there is a main host like

1100
00:51:49,400 --> 00:51:52,960
Speaker 1: they I feel like they all equally shine. There's Tamara

1101
00:51:53,640 --> 00:51:55,880
Speaker 1: from Maory from Tea and Tamara's sister sister.

1102
00:51:55,960 --> 00:51:57,480
Speaker 2: What she's a host. I love her.

1103
00:51:57,560 --> 00:51:59,799
Speaker 1: Yeah, she's so nice, you know, she was so nice.

1104
00:51:59,840 --> 00:52:03,400
Speaker 1: And and there was also Genie May she did like

1105
00:52:03,440 --> 00:52:04,960
Speaker 1: how do I look? I don't know if remember her.

1106
00:52:05,000 --> 00:52:09,640
Speaker 1: She's Asian, really cute teet. Then there's Lonnie Love. She's

1107
00:52:09,640 --> 00:52:12,400
Speaker 1: a comedian. I love her. I met her at Essence

1108
00:52:12,480 --> 00:52:14,520
Speaker 1: Fst and she gave me this award when I was

1109
00:52:15,080 --> 00:52:17,040
Speaker 1: in Harlem, and so she was so excited to see

1110
00:52:17,080 --> 00:52:19,080
Speaker 1: me and she was just really nice. And then there's

1111
00:52:19,400 --> 00:52:23,440
Speaker 1: Adrian Balon. She was originally from She had like a

1112
00:52:23,560 --> 00:52:25,440
Speaker 1: she was on Disney but She also had like a

1113
00:52:25,440 --> 00:52:27,560
Speaker 1: girl group. I can't remember the name of it, but

1114
00:52:27,680 --> 00:52:30,400
Speaker 1: she's beautiful. They're all beautiful, honestly, and they were all

1115
00:52:30,440 --> 00:52:32,879
Speaker 1: when I say all so nice, I'm like, is this real?

1116
00:52:33,120 --> 00:52:35,239
Speaker 1: Everyone was so welcoming and so nice. So by the

1117
00:52:35,280 --> 00:52:39,719
Speaker 1: time the camera came on, although I was nervous, they

1118
00:52:39,760 --> 00:52:42,520
Speaker 1: were just so good at like making me feel like, oh,

1119
00:52:42,600 --> 00:52:44,360
Speaker 1: you're one of the girls. And I look back on

1120
00:52:44,400 --> 00:52:47,200
Speaker 1: it and I'm like, wow, cause I felt comfortable although I

1121
00:52:47,239 --> 00:52:49,520
Speaker 1: was nervous, and so I'm actually I'll give you the link, Mandy,

1122
00:52:49,560 --> 00:52:51,840
Speaker 1: so we can share for those of our BA listeners

1123
00:52:51,840 --> 00:52:53,920
Speaker 1: who want who want to watch. So you know, I

1124
00:52:54,320 --> 00:52:55,799
Speaker 1: wasn't sure if I did well, because you know, you're

1125
00:52:55,800 --> 00:52:58,400
Speaker 1: in the moment. But Drina watched and she said, you

1126
00:52:58,440 --> 00:53:00,640
Speaker 1: did really well. Then the producer told me you did

1127
00:53:00,719 --> 00:53:02,520
Speaker 1: really well. We'd love to have you back. But you know,

1128
00:53:02,560 --> 00:53:05,040
Speaker 1: but people you never know, producers.

1129
00:53:04,840 --> 00:53:06,960
Speaker 2: Are you doubt I'm always doubting. I'm like, did I.

1130
00:53:06,960 --> 00:53:09,799
Speaker 1: Though, yeah, right exactly. So when I watched it, I thought,

1131
00:53:09,800 --> 00:53:12,520
Speaker 1: I'm sure you did you no, no, But honestly I

1132
00:53:12,560 --> 00:53:14,200
Speaker 1: thought I did Okay. I mean, I wasn't like, oh

1133
00:53:14,280 --> 00:53:17,680
Speaker 1: my god, late. You know, I thought to myself, you did,

1134
00:53:17,800 --> 00:53:20,240
Speaker 1: you know? But I'm always hard on myself, so yeah,

1135
00:53:20,280 --> 00:53:24,000
Speaker 1: but it was surreal to be flown to LA to

1136
00:53:24,040 --> 00:53:26,759
Speaker 1: be on one of the you know, most popular talk

1137
00:53:26,800 --> 00:53:30,080
Speaker 1: shows on right now, and like just to think, like, honestly,

1138
00:53:30,080 --> 00:53:32,120
Speaker 1: I used to be a preschool teacher. Like I used

1139
00:53:32,120 --> 00:53:35,040
Speaker 1: to be a preschool teacher in Newark, New Jersey. How

1140
00:53:35,200 --> 00:53:38,920
Speaker 1: in the heck am I here? You know? Yeah, but

1141
00:53:39,000 --> 00:53:42,080
Speaker 1: it just but it's not just that because a lot

1142
00:53:42,120 --> 00:53:44,120
Speaker 1: of people work hard, and so I don't know what

1143
00:53:44,160 --> 00:53:46,359
Speaker 1: it is. I'm not gonna lie, you know, I don't know.

1144
00:53:47,080 --> 00:53:48,800
Speaker 1: You know, I don't know if it's like just finding

1145
00:53:48,840 --> 00:53:50,839
Speaker 1: the thing that I'm supposed to do, I don't know,

1146
00:53:51,840 --> 00:53:54,760
Speaker 1: but it just there. It was one of those moments

1147
00:53:54,960 --> 00:53:59,480
Speaker 1: where you feel the shift, meaning that there are times

1148
00:53:59,480 --> 00:54:02,400
Speaker 1: when things, sometimes they're big or small, where I actually

1149
00:54:02,440 --> 00:54:06,479
Speaker 1: feel that there's a shift toward the next level. And

1150
00:54:06,560 --> 00:54:09,560
Speaker 1: like on that stage, I felt it like, Okay, this

1151
00:54:09,600 --> 00:54:11,480
Speaker 1: is a shifting and I've done other things before that

1152
00:54:11,520 --> 00:54:13,440
Speaker 1: we're just as big. But I didn't feel it as

1153
00:54:13,440 --> 00:54:15,839
Speaker 1: a shifting moment. It was just oh okay. On top I

1154
00:54:15,880 --> 00:54:17,840
Speaker 1: equated it to this It's like it felt like, you

1155
00:54:17,880 --> 00:54:20,000
Speaker 1: know how like if you see videos of like moms

1156
00:54:20,040 --> 00:54:21,640
Speaker 1: about to bring a birthday cake to the kid in

1157
00:54:21,680 --> 00:54:23,960
Speaker 1: the other room and they put on that last candle

1158
00:54:24,640 --> 00:54:26,480
Speaker 1: and light it before they bring into the room, it's

1159
00:54:26,520 --> 00:54:28,920
Speaker 1: like all the work that I've done, you know, it

1160
00:54:29,000 --> 00:54:32,360
Speaker 1: was like baking of the cake and the icing and

1161
00:54:32,440 --> 00:54:36,000
Speaker 1: all of that. But this, the real was that last

1162
00:54:36,040 --> 00:54:37,920
Speaker 1: candle placed on a cake before it's picked up and

1163
00:54:37,960 --> 00:54:40,239
Speaker 1: brought it to the other room. So it's not like

1164
00:54:40,280 --> 00:54:43,920
Speaker 1: it's the cake itself, but it's like the last component

1165
00:54:44,040 --> 00:54:47,160
Speaker 1: of the level where I am now to make that

1166
00:54:47,200 --> 00:54:48,839
Speaker 1: shift to the next level. And I don't know what

1167
00:54:48,840 --> 00:54:51,080
Speaker 1: that level is, but you know, I'm excited to see

1168
00:54:51,160 --> 00:54:53,880
Speaker 1: and I'm just just really grateful and fortunate for the

1169
00:54:53,880 --> 00:54:57,000
Speaker 1: people that have around me. So yeah, the real savings

1170
00:54:57,000 --> 00:54:58,200
Speaker 1: guide with the bunch ofis staff.

1171
00:54:58,239 --> 00:55:00,600
Speaker 2: I hope it means more cake whatever the next levels.

1172
00:55:02,080 --> 00:55:03,279
Speaker 2: Who does love birthday cake?

1173
00:55:03,960 --> 00:55:06,719
Speaker 1: I know who does love more cake? But yeah, that's

1174
00:55:06,760 --> 00:55:09,800
Speaker 1: my winning for the sleep congratulations, Donka.

1175
00:55:10,880 --> 00:55:13,120
Speaker 2: I'm really excited. But I'm in a lobby, hotel lobby,

1176
00:55:13,120 --> 00:55:13,640
Speaker 2: and I want to.

1177
00:55:13,600 --> 00:55:21,640
Speaker 1: Like, honestly, it is late. If you guys have questions

1178
00:55:21,680 --> 00:55:24,759
Speaker 1: for us. If you have comments, you can hit us

1179
00:55:24,800 --> 00:55:27,920
Speaker 1: up at what is our website again, Brand Ambition Podcast

1180
00:55:27,960 --> 00:55:28,319
Speaker 1: dot com.

1181
00:55:28,320 --> 00:55:30,439
Speaker 2: Even I don't know right now, I.

1182
00:55:30,360 --> 00:55:33,640
Speaker 1: Believe that's what it is. And you can tweet Mandy

1183
00:55:33,760 --> 00:55:36,719
Speaker 1: at It's Mandy Money. Is that your Twitter? Or Mandy Woodruff,

1184
00:55:36,880 --> 00:55:40,680
Speaker 1: Mandy wood Russ, Mandy Woodruff, Mandy with an Eye and

1185
00:55:40,840 --> 00:55:43,080
Speaker 1: the Budget ASA. You can always tweet us, but all

1186
00:55:43,120 --> 00:55:46,160
Speaker 1: of that honest season is on our website, Brown Ambition

1187
00:55:46,320 --> 00:55:49,759
Speaker 1: Podcast dot com. We love y'all. We will be back

1188
00:55:49,840 --> 00:55:51,840
Speaker 1: with the heart attack next week.

1189
00:55:52,640 --> 00:55:54,160
Speaker 2: Thank you for carrying me through this

1190
00:55:55,920 --> 00:56:10,959
Speaker 1: No problem,