1
00:00:17,239 --> 00:00:24,080
Speaker 1: Hey, hey, hey, that was for New Orleans because I just.

2
00:00:24,040 --> 00:00:27,080
Speaker 2: Came back Dao Leans. How was essence fast?

3
00:00:27,960 --> 00:00:28,680
Speaker 1: Oh my gosh.

4
00:00:28,720 --> 00:00:32,879
Speaker 3: It was awesome and brutally hot, and I did not

5
00:00:32,960 --> 00:00:35,200
Speaker 3: stick to my WW. I don't know why weight Watchers

6
00:00:35,240 --> 00:00:37,480
Speaker 3: doesn't want to be called weight Watchers whatever. I will

7
00:00:37,479 --> 00:00:39,720
Speaker 3: respect their new name WW. I didn't stick to my

8
00:00:39,800 --> 00:00:42,239
Speaker 3: WW because it's Nolan's baby. So you know, you have

9
00:00:42,280 --> 00:00:45,440
Speaker 3: to eat fried catfish and stamp and gumbo. I had

10
00:00:45,440 --> 00:00:47,760
Speaker 3: it all and I still lost two pounds because that's

11
00:00:47,800 --> 00:00:49,400
Speaker 3: how hot it was and how much walking we had

12
00:00:49,400 --> 00:00:49,640
Speaker 3: to do.

13
00:00:50,040 --> 00:00:52,320
Speaker 2: Why did they do it in July and New Orleans?

14
00:00:52,640 --> 00:00:53,160
Speaker 1: I don't know.

15
00:00:53,440 --> 00:00:56,840
Speaker 3: But when I tell you so well to ring, wow

16
00:00:56,920 --> 00:00:58,360
Speaker 3: doesn't even begin to I.

17
00:00:58,280 --> 00:00:59,520
Speaker 1: Mean I thought I was like, I was like, so,

18
00:00:59,600 --> 00:01:01,000
Speaker 1: I think I had a evaporade.

19
00:01:01,240 --> 00:01:04,160
Speaker 3: But then and then you have to walk because there

20
00:01:04,200 --> 00:01:06,319
Speaker 3: are literally half a million women in the city, and

21
00:01:06,400 --> 00:01:08,880
Speaker 3: so uber's a joke, like it'll be an hour for

22
00:01:08,920 --> 00:01:09,400
Speaker 3: one block.

23
00:01:09,520 --> 00:01:11,120
Speaker 1: Like even though you're like, there's no way I.

24
00:01:11,080 --> 00:01:13,520
Speaker 3: Can walk, it's impossible to walk on the seat. There's

25
00:01:13,560 --> 00:01:16,120
Speaker 3: literally no way not to walk. So there's that, But

26
00:01:16,480 --> 00:01:19,280
Speaker 3: other than that, honestly, it's always a good time. It

27
00:01:19,360 --> 00:01:23,120
Speaker 3: was my first time going where I wasn't heavily like

28
00:01:23,760 --> 00:01:25,360
Speaker 3: usually I've got like two or three things a day,

29
00:01:25,760 --> 00:01:28,520
Speaker 3: and this time I had not planned on going. But

30
00:01:28,560 --> 00:01:33,080
Speaker 3: then they had their first Black Global Financial Forum, and

31
00:01:33,160 --> 00:01:34,680
Speaker 3: so like two weeks before they were like, we really

32
00:01:34,680 --> 00:01:36,959
Speaker 3: would like for you to come, and so I said

33
00:01:36,959 --> 00:01:39,480
Speaker 3: guests kind of like last minute. And so because of that,

34
00:01:39,520 --> 00:01:42,040
Speaker 3: it was nice to like experience essence best as like

35
00:01:42,640 --> 00:01:45,240
Speaker 3: you know, someone just going versus like working working working.

36
00:01:47,000 --> 00:01:48,800
Speaker 2: Yeah, so did you see any What was like your

37
00:01:48,840 --> 00:01:50,880
Speaker 2: favorite event beyond the one that you.

38
00:01:50,840 --> 00:01:57,600
Speaker 3: Know, well, hands down, Michelle Obama. I missed her becoming

39
00:01:57,640 --> 00:02:00,440
Speaker 3: tour and so she basically had like a tour stop essence.

40
00:02:00,680 --> 00:02:02,240
Speaker 1: It was in the stadium.

41
00:02:02,560 --> 00:02:06,800
Speaker 3: They're their Mercedes Benz Stadium and for the first time,

42
00:02:06,920 --> 00:02:09,440
Speaker 3: like i'd been, this is my fourth year and I've

43
00:02:09,440 --> 00:02:12,040
Speaker 3: never seen the stadium filter capacity and it was I mean,

44
00:02:12,080 --> 00:02:13,160
Speaker 3: people were out for lady.

45
00:02:13,160 --> 00:02:14,480
Speaker 1: Oh she was amazing.

46
00:02:14,720 --> 00:02:17,280
Speaker 3: I didn't realize how homegirl she was. I mean I

47
00:02:17,320 --> 00:02:19,600
Speaker 3: knew she was southside Chicago, but I said, oh, but

48
00:02:20,280 --> 00:02:23,440
Speaker 3: oh this is me shoe okay, like she was so

49
00:02:24,240 --> 00:02:26,680
Speaker 3: she was so awesome, like she just was so chill

50
00:02:26,760 --> 00:02:27,480
Speaker 3: and relaxed.

51
00:02:27,720 --> 00:02:29,600
Speaker 1: She just seemed like your cool auntie.

52
00:02:29,919 --> 00:02:32,200
Speaker 3: That was just like spitting the rear like yeah, so

53
00:02:32,840 --> 00:02:34,760
Speaker 3: I'm like, yes, Michelle.

54
00:02:35,000 --> 00:02:37,160
Speaker 2: I just love that she is. Like she's selling out

55
00:02:37,200 --> 00:02:40,080
Speaker 2: stadiums on her tour and I wanted to go see her,

56
00:02:40,120 --> 00:02:42,880
Speaker 2: but it was just so much money. I'm like, she's

57
00:02:43,040 --> 00:02:47,080
Speaker 2: charging Beyonce prices at these tours and Beyonce must be

58
00:02:47,120 --> 00:02:50,919
Speaker 2: so mad because she's just sitting there talking like all

59
00:02:51,000 --> 00:02:54,040
Speaker 2: the work Beyonce has to do and I'm just here

60
00:02:54,160 --> 00:02:56,240
Speaker 2: in this fabulous outfit and I'm gonna, you know.

61
00:02:56,440 --> 00:02:57,400
Speaker 1: Looking fabulous.

62
00:03:00,080 --> 00:03:01,960
Speaker 3: It was, It was, it was. It was definitely a

63
00:03:01,960 --> 00:03:04,560
Speaker 3: hands down my favorite, well my favorite event, but my

64
00:03:04,560 --> 00:03:08,080
Speaker 3: favorite thing about Essence Fast honestly, Mandra. I met so

65
00:03:08,280 --> 00:03:10,680
Speaker 3: many dope folks who were like, oh my god. I

66
00:03:10,720 --> 00:03:13,679
Speaker 3: listened to the podcast one girl, one woman I would

67
00:03:13,680 --> 00:03:16,040
Speaker 3: shakes and say girl. But one woman in particular, she

68
00:03:16,160 --> 00:03:18,000
Speaker 3: like rushed with her arms open and she stopped. She

69
00:03:18,040 --> 00:03:19,600
Speaker 3: was like, I want to respect your personal space. I

70
00:03:19,639 --> 00:03:21,480
Speaker 3: know you don't like hugs, but can I hug you?

71
00:03:21,639 --> 00:03:23,560
Speaker 1: And I let her and it was so cy She's like,

72
00:03:23,600 --> 00:03:26,480
Speaker 1: and listens for me, Let's what she get me extra.

73
00:03:26,280 --> 00:03:28,120
Speaker 2: One for you, so I always here her two hugs.

74
00:03:29,760 --> 00:03:31,800
Speaker 3: But with so many BA listeners they were like, oh

75
00:03:31,800 --> 00:03:34,320
Speaker 3: my god, I love the podcast, or just like like

76
00:03:34,440 --> 00:03:36,360
Speaker 3: you know, asking questions from the podcast.

77
00:03:36,400 --> 00:03:40,400
Speaker 1: It was just that part was definitely my favorite. Seeing

78
00:03:40,520 --> 00:03:43,160
Speaker 1: people who were like, oh my gosh, I took your challenge,

79
00:03:43,160 --> 00:03:44,960
Speaker 1: Oh my gosh, your credit advice, O oh my gosh,

80
00:03:45,040 --> 00:03:46,040
Speaker 1: I listened to the podcast.

81
00:03:46,280 --> 00:03:48,360
Speaker 3: So I just it was just awesome because what I

82
00:03:48,400 --> 00:03:51,360
Speaker 3: love is that there were like women in their twenties

83
00:03:51,360 --> 00:03:53,320
Speaker 3: and their thirties and their fifties and their sixties and

84
00:03:54,240 --> 00:03:57,040
Speaker 3: like it like all of those women participated in what

85
00:03:57,040 --> 00:03:58,840
Speaker 3: we do, and so I just thought that was awesome.

86
00:03:58,880 --> 00:04:00,120
Speaker 1: So it was so nice beating Galla.

87
00:04:00,080 --> 00:04:05,880
Speaker 2: Person lovely, well, welcome back. Actually, I need some Brown

88
00:04:05,920 --> 00:04:09,080
Speaker 2: Ambition Nation help right now, because I am being tried

89
00:04:09,320 --> 00:04:14,080
Speaker 2: to death by the manufacturers called LG is that a

90
00:04:14,120 --> 00:04:18,560
Speaker 2: manufacturer whatever? The dishwasher people. We bought this dishwasher for

91
00:04:18,880 --> 00:04:22,200
Speaker 2: over nine hundred dollars last and we agonized over it.

92
00:04:22,240 --> 00:04:24,599
Speaker 2: I mean, okay, I'm not gonna lie. He agonized over

93
00:04:24,640 --> 00:04:27,120
Speaker 2: it and researched everything, picked the best top of the

94
00:04:27,120 --> 00:04:30,279
Speaker 2: line and blah, blah blah, and got this dishwasher. It

95
00:04:30,360 --> 00:04:35,120
Speaker 2: was installed in December, December or January and has been

96
00:04:35,160 --> 00:04:37,880
Speaker 2: working perfectly fine, and then all of a sudden two

97
00:04:37,880 --> 00:04:41,080
Speaker 2: months ago, started giving us an air code, started to leak,

98
00:04:41,240 --> 00:04:43,919
Speaker 2: stopped washing properly, and then we becan't you know you

99
00:04:44,080 --> 00:04:47,440
Speaker 2: just think we bought it from you know, a company

100
00:04:47,480 --> 00:04:49,960
Speaker 2: like Best Buy, from a big brand like LG. They

101
00:04:50,040 --> 00:04:52,039
Speaker 2: must have people out here can repair these things or

102
00:04:52,080 --> 00:04:55,680
Speaker 2: figure out what's going on. We've gone through four different visits,

103
00:04:55,760 --> 00:04:58,240
Speaker 2: three from the Best Buy people, who somehow sent us

104
00:04:58,279 --> 00:05:01,120
Speaker 2: a Seers repair guy. Like I don't understand how that works.

105
00:05:01,480 --> 00:05:03,560
Speaker 2: I thought that Steers truck and I'm like, is it

106
00:05:03,640 --> 00:05:07,080
Speaker 2: nineteen ninety nine? Like what are you doing here? But

107
00:05:07,120 --> 00:05:09,960
Speaker 2: apparently Sears they contract them to do their like repair

108
00:05:09,960 --> 00:05:12,720
Speaker 2: of visits. Anyway, There's nothing more frustrating than like taking

109
00:05:12,720 --> 00:05:14,320
Speaker 2: time out of your day for work. I have to

110
00:05:14,320 --> 00:05:16,279
Speaker 2: work from home when this happens, because I you know,

111
00:05:16,360 --> 00:05:18,880
Speaker 2: I have the remote job. So I'm stuck working from home,

112
00:05:19,560 --> 00:05:21,960
Speaker 2: sitting there with like these smelly guys in my house,

113
00:05:22,240 --> 00:05:24,880
Speaker 2: like just staring at my dishwasher like dopes and just

114
00:05:24,920 --> 00:05:27,000
Speaker 2: telling me I don't know what it is. You just

115
00:05:27,080 --> 00:05:29,720
Speaker 2: you know, keep complaining and maybe they'll replace it for you.

116
00:05:30,320 --> 00:05:32,640
Speaker 2: And finally we complained enough after like the third visit

117
00:05:32,760 --> 00:05:37,200
Speaker 2: from from Best Buys steers people that they sent us,

118
00:05:37,240 --> 00:05:41,000
Speaker 2: like someone from actual LG. This guy showed up yesterday,

119
00:05:41,520 --> 00:05:44,480
Speaker 2: and immediately it was clear he was on LG side.

120
00:05:44,640 --> 00:05:47,240
Speaker 2: Even though we've had this dishwasher less than what eight

121
00:05:47,279 --> 00:05:52,120
Speaker 2: months now, It was clear to him that it was

122
00:05:52,160 --> 00:05:55,640
Speaker 2: our fault and that something was some piece of the

123
00:05:55,680 --> 00:05:58,080
Speaker 2: dishwasher was bent. He just I don't understand. He just

124
00:05:58,120 --> 00:06:00,159
Speaker 2: looked at it and was like, oh, yeah, look this

125
00:06:00,240 --> 00:06:02,720
Speaker 2: has bent. Oh yeah, we can't replace that. LG will

126
00:06:02,760 --> 00:06:05,240
Speaker 2: never replace it, and it's not covered under your warranty.

127
00:06:05,880 --> 00:06:07,960
Speaker 2: And I'm gonna put it in my notes that this

128
00:06:08,160 --> 00:06:11,760
Speaker 2: was not, you know, not LG's fault. It probably happened

129
00:06:12,040 --> 00:06:15,880
Speaker 2: he said, during delivery or during installation. And I'm asking

130
00:06:15,880 --> 00:06:19,880
Speaker 2: all these questions, like so why did it not manifest

131
00:06:19,920 --> 00:06:22,880
Speaker 2: this issue until May when we've been living here since

132
00:06:22,880 --> 00:06:26,000
Speaker 2: December and he had no answers for me. Took out

133
00:06:26,000 --> 00:06:27,719
Speaker 2: all my stuff from under my stink and just left

134
00:06:27,720 --> 00:06:30,640
Speaker 2: it on the counter and made his you know, little

135
00:06:30,640 --> 00:06:32,600
Speaker 2: notes on his notepad, and I was so annoyed. I

136
00:06:32,640 --> 00:06:36,159
Speaker 2: was just like, fine, you can go. And they really

137
00:06:36,200 --> 00:06:38,920
Speaker 2: did deny the claim, like they will not replace it.

138
00:06:39,000 --> 00:06:42,279
Speaker 2: They won't. They say they can't repair it. And I

139
00:06:42,320 --> 00:06:46,200
Speaker 2: don't know, like I just can't fathom how a major

140
00:06:46,240 --> 00:06:48,640
Speaker 2: appliance like this like this to me seems like what

141
00:06:48,680 --> 00:06:51,800
Speaker 2: a warranty's all about. Yeah, and I'm like, what the

142
00:06:51,839 --> 00:06:54,839
Speaker 2: hell are I don't want to spend a hundred thousand

143
00:06:54,839 --> 00:06:57,000
Speaker 2: dollars on it. And this dishwasher is like like still

144
00:06:57,040 --> 00:07:00,720
Speaker 2: smells new, you know, it's a beautiful glistening, you know.

145
00:07:01,000 --> 00:07:04,520
Speaker 2: And I'm thinking back to like the Dinky dishwasher, like

146
00:07:04,560 --> 00:07:06,640
Speaker 2: the Maytag dishwasher that was in the house when we

147
00:07:06,720 --> 00:07:09,040
Speaker 2: first moved in. That thing was still cranking after thirty

148
00:07:09,080 --> 00:07:09,520
Speaker 2: eight years.

149
00:07:09,520 --> 00:07:12,240
Speaker 1: Can you imagine That's how that goes? So what do

150
00:07:12,240 --> 00:07:12,480
Speaker 1: you need?

151
00:07:12,560 --> 00:07:15,080
Speaker 3: As I told mandra that she needs to take to

152
00:07:15,120 --> 00:07:17,360
Speaker 3: the Twitter street, That's what I do, and I suggest

153
00:07:17,440 --> 00:07:20,800
Speaker 3: this for everyone because nobody wants bad publicity. So when

154
00:07:20,840 --> 00:07:24,280
Speaker 3: a company does me wrong, I will do a series

155
00:07:24,320 --> 00:07:28,960
Speaker 3: of tweets expressing my displeasure, explaining like Tweet one, I

156
00:07:29,080 --> 00:07:31,560
Speaker 3: bought a dishwasher, Tweet two like you know, and tagging

157
00:07:31,600 --> 00:07:35,880
Speaker 3: them the whole way, and without fail, they will tweet

158
00:07:35,880 --> 00:07:37,560
Speaker 3: you back. Usually don't say please DM me, we don't

159
00:07:37,560 --> 00:07:39,080
Speaker 3: want you to be unhappy. What they're really saying is

160
00:07:39,120 --> 00:07:41,720
Speaker 3: please stop the negative press. But what makes it even

161
00:07:41,720 --> 00:07:45,080
Speaker 3: better is that as I tweet, people usually reply to me,

162
00:07:45,120 --> 00:07:46,840
Speaker 3: and I make sure to apply back to everyone and

163
00:07:46,880 --> 00:07:49,200
Speaker 3: retweet like what I have problems.

164
00:07:48,800 --> 00:07:49,400
Speaker 4: With down here too?

165
00:07:49,520 --> 00:07:52,040
Speaker 3: No you don't say, girl, So what we'd like for

166
00:07:52,080 --> 00:07:55,960
Speaker 3: you to do? So Mandy, what's your what's your Twitter name? So?

167
00:07:56,040 --> 00:07:59,000
Speaker 2: My Twitter name is at Mandy woodrufs Mandy I.

168
00:08:00,520 --> 00:08:01,880
Speaker 1: And so, man, this is gonna tweet LG.

169
00:08:02,080 --> 00:08:03,760
Speaker 3: And we would love for you to go head on

170
00:08:03,880 --> 00:08:08,240
Speaker 3: in and retweet and reply back, and that way she

171
00:08:08,320 --> 00:08:10,160
Speaker 3: can show like you might.

172
00:08:10,200 --> 00:08:12,640
Speaker 1: I want to mess with this one because people are listening.

173
00:08:13,160 --> 00:08:16,000
Speaker 2: I've never I have like, I haven't hate tweeted a

174
00:08:16,000 --> 00:08:18,600
Speaker 2: brand since maybe it's been years since, like an airline.

175
00:08:18,640 --> 00:08:21,320
Speaker 2: Spirit Airlines might be the last brand that I hate tweeted.

176
00:08:21,600 --> 00:08:23,560
Speaker 2: What's the most you've gotten back from? Like, what's the

177
00:08:23,560 --> 00:08:25,920
Speaker 2: biggest thing you've gotten back from a company by tweeting

178
00:08:25,920 --> 00:08:26,800
Speaker 2: at them?

179
00:08:27,160 --> 00:08:29,840
Speaker 3: Let's see so many things I'm not gonna lie, So

180
00:08:29,880 --> 00:08:32,360
Speaker 3: I don't. I wouldn't call it hate tweeting, just a little.

181
00:08:32,400 --> 00:08:35,240
Speaker 1: Pressure of tweeting.

182
00:08:36,040 --> 00:08:38,600
Speaker 3: I'm trying to think, Oh, it was an airline. So

183
00:08:38,720 --> 00:08:41,800
Speaker 3: I got my ticket refunded. I think it was maybe

184
00:08:41,800 --> 00:08:45,319
Speaker 3: like eight hundred dollars or something crazy because.

185
00:08:45,280 --> 00:08:47,360
Speaker 1: What happened was I think it was like it was

186
00:08:47,400 --> 00:08:48,200
Speaker 1: really their fault.

187
00:08:49,080 --> 00:08:51,960
Speaker 3: And and then I so I missed like a connecting flight.

188
00:08:52,040 --> 00:08:54,320
Speaker 3: It was just like a tumble of effect. And and

189
00:08:54,400 --> 00:08:56,079
Speaker 3: a friend of mine works for the airline, and he

190
00:08:56,200 --> 00:08:58,840
Speaker 3: was like, no, if if they said that you the

191
00:08:58,880 --> 00:09:03,360
Speaker 3: flight was delayed because of mechanical error, that's our error, and.

192
00:09:03,280 --> 00:09:04,840
Speaker 1: So you know. So he was like, so don't, you know,

193
00:09:04,880 --> 00:09:05,360
Speaker 1: stay on them.

194
00:09:05,360 --> 00:09:06,920
Speaker 3: And so I had been emailing them and they were

195
00:09:06,960 --> 00:09:09,760
Speaker 3: like basically like nos, not our phone.

196
00:09:09,840 --> 00:09:10,800
Speaker 1: And I was like, you know what, let me take

197
00:09:10,840 --> 00:09:11,640
Speaker 1: it to the Twitter streets.

198
00:09:11,640 --> 00:09:13,599
Speaker 3: And I did, and within like you know, ten to

199
00:09:13,640 --> 00:09:17,840
Speaker 3: fifteen minutes, they hit me back. And then I escalated

200
00:09:17,920 --> 00:09:19,520
Speaker 3: up to whomever and I got my money back.

201
00:09:19,520 --> 00:09:21,000
Speaker 1: So I was like, thank you very much, but.

202
00:09:20,960 --> 00:09:23,079
Speaker 3: Honestly, I don't. I don't even hesitate, like you should

203
00:09:23,080 --> 00:09:24,480
Speaker 3: see now my father.

204
00:09:24,280 --> 00:09:26,040
Speaker 1: Will call me be like can you hit up Twitter,

205
00:09:26,559 --> 00:09:27,520
Speaker 1: my I'm.

206
00:09:27,360 --> 00:09:32,120
Speaker 3: Like daddy, no, But honestly, it really works, and so

207
00:09:32,360 --> 00:09:34,760
Speaker 3: it's best not to be nasty. You just want to

208
00:09:34,800 --> 00:09:37,400
Speaker 3: be truthful and express your frustration, and it should be

209
00:09:37,400 --> 00:09:39,800
Speaker 3: more than one tweet. I would say it's good between

210
00:09:39,840 --> 00:09:42,000
Speaker 3: like five to ten, depending on how details you need

211
00:09:42,040 --> 00:09:44,160
Speaker 3: to get, and if I know I'm getting detail, I

212
00:09:44,160 --> 00:09:46,719
Speaker 3: will actually even label them like one, so that.

213
00:09:46,679 --> 00:09:49,720
Speaker 2: Way it's one of yeah, I have for a Twitter thread,

214
00:09:49,760 --> 00:09:52,120
Speaker 2: I'm just going to tell the truth. And it's just ridiculous.

215
00:09:52,200 --> 00:09:54,600
Speaker 2: It's less than a year old, and the fact that

216
00:09:54,600 --> 00:09:56,280
Speaker 2: they're trying to make it seem like it was something

217
00:09:56,320 --> 00:09:58,840
Speaker 2: that happened five months ago and oh just happened to

218
00:09:59,120 --> 00:10:02,200
Speaker 2: take four months the issue to manifest. It just strikes

219
00:10:02,240 --> 00:10:05,839
Speaker 2: me as insane. But my other plan b so I'll

220
00:10:05,880 --> 00:10:08,120
Speaker 2: try Twitter, So you guys check Twitter. I'm gonna wait

221
00:10:08,160 --> 00:10:11,280
Speaker 2: till Wednesday evening when you've listened to the podcast and

222
00:10:11,280 --> 00:10:15,680
Speaker 2: you've heard this plea from me. But also, we purchased

223
00:10:15,720 --> 00:10:18,480
Speaker 2: the dishwasher on our credit card, on our City card,

224
00:10:18,480 --> 00:10:21,120
Speaker 2: our state double cash card, and one of the perks

225
00:10:21,160 --> 00:10:23,480
Speaker 2: of city. This is kind of sad because City actually

226
00:10:23,559 --> 00:10:25,880
Speaker 2: just announced that they are removing some of the best

227
00:10:25,960 --> 00:10:27,280
Speaker 2: perks that make it amazing.

228
00:10:27,920 --> 00:10:29,040
Speaker 1: Some of them that I've.

229
00:10:28,920 --> 00:10:31,360
Speaker 2: Talked about on the show. I talked about City price rewind,

230
00:10:31,720 --> 00:10:34,160
Speaker 2: where if you make a purchase. We made purchases for

231
00:10:34,240 --> 00:10:36,600
Speaker 2: all these appliances, and then if you register them with

232
00:10:36,760 --> 00:10:39,720
Speaker 2: price rewind, if the price drops, they will actually go

233
00:10:39,760 --> 00:10:42,440
Speaker 2: and refund you like the amount that it dropped. And

234
00:10:42,480 --> 00:10:45,600
Speaker 2: we probably saved hundreds of wet hundreds of dollars back

235
00:10:45,880 --> 00:10:49,560
Speaker 2: on our appliances by using price rewind. There's sun setting

236
00:10:49,559 --> 00:10:53,640
Speaker 2: that benefit for some cards starting September twenty third, I believe,

237
00:10:53,760 --> 00:10:56,200
Speaker 2: and also purchase protection is going to go away for

238
00:10:56,280 --> 00:10:58,760
Speaker 2: some cards, and that's what we're using right now while

239
00:10:58,760 --> 00:11:00,800
Speaker 2: we still can, which is we're going to We've complained

240
00:11:00,840 --> 00:11:03,160
Speaker 2: the city about this whole dishwasher thing with Best Buy,

241
00:11:03,240 --> 00:11:06,240
Speaker 2: and we're going to see if they will give us

242
00:11:06,400 --> 00:11:09,440
Speaker 2: back the money because of the situation so we have

243
00:11:09,480 --> 00:11:12,200
Speaker 2: a claim on to them. We'll see. But what I'm

244
00:11:12,240 --> 00:11:14,440
Speaker 2: not going to do is spend another thousand dollars on

245
00:11:14,480 --> 00:11:17,640
Speaker 2: a damn dishwasher, like I just can't. I just can't

246
00:11:17,640 --> 00:11:18,040
Speaker 2: do it.

247
00:11:18,040 --> 00:11:20,520
Speaker 3: It's just not in my and you shouldn't and that's

248
00:11:20,559 --> 00:11:23,400
Speaker 3: not you know, it's not fifty bucks, ten bucks a thousand.

249
00:11:23,400 --> 00:11:24,960
Speaker 3: Even if it was fifty or ten bucks, that's still

250
00:11:25,000 --> 00:11:28,199
Speaker 3: your money. And the dishwasher is not old. And you

251
00:11:28,240 --> 00:11:30,880
Speaker 3: know it's so crazy, isn't it so frustrating? How like

252
00:11:30,960 --> 00:11:34,760
Speaker 3: the old simple appliances last way longer than these new

253
00:11:34,800 --> 00:11:36,120
Speaker 3: bangle things that we have at now.

254
00:11:36,400 --> 00:11:39,840
Speaker 2: I just hear Edwin Rosemary, my former homeowners, just being like, yeah,

255
00:11:39,920 --> 00:11:42,720
Speaker 2: we had that thing since nineteen seventy nine. Never fail

256
00:11:42,800 --> 00:11:44,920
Speaker 2: this ones, And I'm like, no, but it was ugly.

257
00:11:47,360 --> 00:11:51,840
Speaker 2: I just want to stayless steal anyway. So thanks guys

258
00:11:51,840 --> 00:11:54,560
Speaker 2: in advance for your you know, well we'll see let's

259
00:11:54,600 --> 00:11:56,680
Speaker 2: get let's get the man, stick it to the man.

260
00:11:57,280 --> 00:11:59,439
Speaker 3: Don't get Mandy with an eye would roup and you're

261
00:11:59,440 --> 00:12:01,439
Speaker 3: gonna reach wee and just reply if you've had any

262
00:12:01,520 --> 00:12:05,080
Speaker 3: trouble with LG dishwashers, you are certainly ready like welcome

263
00:12:05,120 --> 00:12:07,960
Speaker 3: to join in, and yeah, let's get this party started.

264
00:12:07,960 --> 00:12:10,280
Speaker 3: That's how you get brands to really take notice, because

265
00:12:10,679 --> 00:12:13,760
Speaker 3: ultimately sometimes they need a little bad press to get

266
00:12:13,800 --> 00:12:14,400
Speaker 3: it together.

267
00:12:15,240 --> 00:12:19,600
Speaker 2: Yes, ma'am. And so while I'm ranting about my dishwasher experience,

268
00:12:19,960 --> 00:12:22,040
Speaker 2: I want to go to the reader mail bag early

269
00:12:22,120 --> 00:12:24,000
Speaker 2: on the show today because last week we talked all

270
00:12:24,000 --> 00:12:28,280
Speaker 2: about childcare and how expensive it is and how especially

271
00:12:28,320 --> 00:12:31,960
Speaker 2: for even like families earning six figures, like we found

272
00:12:31,960 --> 00:12:35,360
Speaker 2: in our Magnified Money study last month, you can still

273
00:12:35,400 --> 00:12:38,480
Speaker 2: feel broke because because of the cost of childcare. So

274
00:12:38,520 --> 00:12:40,839
Speaker 2: we asked you guys to send us your stories of

275
00:12:40,880 --> 00:12:43,040
Speaker 2: what it was like to pay for childcare where you live,

276
00:12:43,080 --> 00:12:47,000
Speaker 2: and we got a ton of responses. I really, I

277
00:12:47,080 --> 00:12:50,840
Speaker 2: really felt the pain of this one listener. What's her name, Natasha?

278
00:12:50,880 --> 00:12:52,559
Speaker 2: So I want to read her email first and I'll

279
00:12:52,559 --> 00:12:57,480
Speaker 2: share some of the others. So Natasha lives in Akron, Ohio, and.

280
00:12:57,440 --> 00:13:00,000
Speaker 1: She says, is that Lebron James is from? Right?

281
00:13:01,080 --> 00:13:01,360
Speaker 4: Is he?

282
00:13:02,080 --> 00:13:03,000
Speaker 2: I think Cleveland?

283
00:13:04,160 --> 00:13:05,800
Speaker 1: No? No, I think he's from Akron. But he plays

284
00:13:05,840 --> 00:13:06,400
Speaker 1: for Cleveland.

285
00:13:06,559 --> 00:13:10,040
Speaker 2: Okay, yeah, I don't know sports, har Hard. Oh by

286
00:13:10,040 --> 00:13:14,400
Speaker 2: the way, go Women's World soccer, Hey grow Cup winners. Okay. Anyway,

287
00:13:14,440 --> 00:13:18,199
Speaker 2: So Natasha says, my kids are now five and seven,

288
00:13:18,400 --> 00:13:20,880
Speaker 2: going to the first and second grade. However, when I

289
00:13:20,880 --> 00:13:23,600
Speaker 2: had my second child, my husband decided to become a

290
00:13:23,600 --> 00:13:25,920
Speaker 2: stay at home dad because we were looking at paying

291
00:13:26,360 --> 00:13:28,920
Speaker 2: three hundred and sixty dollars a week per kid to

292
00:13:29,000 --> 00:13:31,640
Speaker 2: send the kids to daycare. He was only making twelve

293
00:13:31,720 --> 00:13:33,800
Speaker 2: dollars at the time, so it didn't make sense for

294
00:13:33,880 --> 00:13:36,080
Speaker 2: him to work all those hours to pay strangers damn

295
00:13:36,120 --> 00:13:39,520
Speaker 2: near his entire check to take care of our kids.

296
00:13:40,040 --> 00:13:42,840
Speaker 2: Fast forward to now, now that the kids are grown

297
00:13:42,840 --> 00:13:45,480
Speaker 2: and they're in public school, she still pays one hundred

298
00:13:45,480 --> 00:13:47,720
Speaker 2: and sixty dollars per week per kid for them to

299
00:13:47,760 --> 00:13:51,240
Speaker 2: attend aftercare program at their school. This is what this is,

300
00:13:51,280 --> 00:13:53,280
Speaker 2: Mandy talking like, this is what drives me nuts. Like

301
00:13:53,320 --> 00:13:55,160
Speaker 2: when I was in public school, we had after school care.

302
00:13:55,200 --> 00:13:56,000
Speaker 2: We didn't pay for that.

303
00:13:56,480 --> 00:13:57,720
Speaker 1: Yeah they pay for that.

304
00:13:57,840 --> 00:13:59,400
Speaker 2: Now, yes, they pay for that. Now They're not the

305
00:13:59,400 --> 00:14:02,040
Speaker 2: only ones I've heard this from parents, like hundreds of

306
00:14:02,040 --> 00:14:04,480
Speaker 2: dollars just because you know, school ends like two fifteen.

307
00:14:05,120 --> 00:14:07,199
Speaker 2: You know, parents still work till six, so they need

308
00:14:07,240 --> 00:14:09,040
Speaker 2: to put their kid in after school care. So yeah,

309
00:14:09,040 --> 00:14:12,200
Speaker 2: school is charged for that, all right. Anyway, So then

310
00:14:12,240 --> 00:14:14,240
Speaker 2: she goes on to say after you know, on days

311
00:14:14,240 --> 00:14:16,360
Speaker 2: where they don't have school, it's another eighty hours a

312
00:14:16,440 --> 00:14:19,000
Speaker 2: day on top of the weekly cost for after school care.

313
00:14:19,120 --> 00:14:21,560
Speaker 2: And then in the summertime, she's back to that three

314
00:14:21,640 --> 00:14:25,560
Speaker 2: sixty year rate, three sixty a week rate, which is

315
00:14:25,640 --> 00:14:27,400
Speaker 2: like so much. But then she this is the part

316
00:14:27,400 --> 00:14:31,080
Speaker 2: where I think it'll hit home for some people. She says,

317
00:14:31,120 --> 00:14:32,920
Speaker 2: I'm in a position. I'm grateful that I'm in a

318
00:14:32,920 --> 00:14:36,040
Speaker 2: position where I can afford childcare, but it's frustrating knowing

319
00:14:36,080 --> 00:14:38,680
Speaker 2: that most of the parents that attend the daycare center

320
00:14:38,760 --> 00:14:41,400
Speaker 2: my kids go to are getting the same service for free.

321
00:14:41,800 --> 00:14:45,000
Speaker 2: I understand people have tougher situations, but there never seems

322
00:14:45,000 --> 00:14:46,960
Speaker 2: to be relief for the middle class. A lot of

323
00:14:47,080 --> 00:14:49,360
Speaker 2: us don't end up with such don't end up with

324
00:14:49,440 --> 00:14:52,360
Speaker 2: much disposable income when we are done handling our business

325
00:14:52,400 --> 00:14:54,760
Speaker 2: and paying for things that people with less income receive

326
00:14:54,800 --> 00:14:59,600
Speaker 2: benefits for. Some people get food stamps, utility assistants, cheap housing, healthcare, childcare,

327
00:14:59,600 --> 00:15:02,400
Speaker 2: et cetera. But we get zero assistants because we happened

328
00:15:02,440 --> 00:15:05,200
Speaker 2: to play our cards. Well, I know this sounds better,

329
00:15:05,320 --> 00:15:06,920
Speaker 2: but it does have me and my feelings when I

330
00:15:06,960 --> 00:15:09,000
Speaker 2: know I busted my ass to get here, but I

331
00:15:09,040 --> 00:15:11,120
Speaker 2: would have been all right if I made different choices

332
00:15:11,160 --> 00:15:13,840
Speaker 2: that led to more government assisted living. I really think

333
00:15:13,880 --> 00:15:18,000
Speaker 2: the childcare system in this country is broken. I don't

334
00:15:18,040 --> 00:15:19,120
Speaker 2: know if it's cold in here, but I got a

335
00:15:19,160 --> 00:15:22,560
Speaker 2: little bit of a chill reading that. It's so honest

336
00:15:22,640 --> 00:15:24,120
Speaker 2: and raw it is.

337
00:15:24,400 --> 00:15:26,760
Speaker 3: And I'll say this that to be fair, I see

338
00:15:26,800 --> 00:15:28,800
Speaker 3: both sides for sure, because it was like when I

339
00:15:28,840 --> 00:15:30,680
Speaker 3: was going to college my parents, I guess we're considered

340
00:15:30,720 --> 00:15:32,920
Speaker 3: middle class, and it was like I couldn't get any

341
00:15:32,960 --> 00:15:35,880
Speaker 3: real assistance. It was just loans, whereas you know, folks

342
00:15:35,880 --> 00:15:38,160
Speaker 3: who didn't make as much, you know, could get assistant.

343
00:15:38,200 --> 00:15:39,320
Speaker 1: So it's definitely frustrating.

344
00:15:39,360 --> 00:15:43,640
Speaker 3: But I will says at being a preschool teacher for

345
00:15:43,720 --> 00:15:48,200
Speaker 3: ten years and seeing parents and you know, seeing parents

346
00:15:48,200 --> 00:15:51,640
Speaker 3: on the other side, it's not every parent is not

347
00:15:51,800 --> 00:15:53,880
Speaker 3: like they didn't play their cards right. There are literally,

348
00:15:53,960 --> 00:15:56,200
Speaker 3: I mean, I've known women who were in domestic violence

349
00:15:56,240 --> 00:16:00,080
Speaker 3: situations that you know, as a result, you know now

350
00:16:00,120 --> 00:16:03,720
Speaker 3: they're single mothers and so even though they're educated themselves,

351
00:16:03,760 --> 00:16:06,360
Speaker 3: you know, one income is not enough necessarily to take

352
00:16:06,400 --> 00:16:09,360
Speaker 3: care two children. And you did play your cards right,

353
00:16:09,400 --> 00:16:11,680
Speaker 3: but you know, unfortunately the person you're with is it's

354
00:16:11,760 --> 00:16:14,480
Speaker 3: not a good person. You know, I've known people who

355
00:16:14,520 --> 00:16:17,840
Speaker 3: have you know, experienced maybe who else, whoever else was

356
00:16:17,920 --> 00:16:22,200
Speaker 3: kind of helping with childcare pass away, So there are

357
00:16:22,240 --> 00:16:24,840
Speaker 3: other I understand the frustration because here here's the thing.

358
00:16:24,880 --> 00:16:28,640
Speaker 3: I think in general that there should be assistance for

359
00:16:28,760 --> 00:16:31,560
Speaker 3: childcare across the board. But what I will say is

360
00:16:31,720 --> 00:16:34,560
Speaker 3: I don't feel I guess I've just seen too many

361
00:16:34,600 --> 00:16:38,120
Speaker 3: parents the ones that do get like subsidized help, that

362
00:16:38,200 --> 00:16:43,120
Speaker 3: it's rarely, like you know, just because they're chilling, you know,

363
00:16:43,640 --> 00:16:45,880
Speaker 3: you know what I mean. Like, but I do agree that,

364
00:16:45,960 --> 00:16:48,400
Speaker 3: like because here's the thing. Twenty five hundred is twenty

365
00:16:48,440 --> 00:16:51,000
Speaker 3: five hundred dollars a month, Like that's just a crazy

366
00:16:51,000 --> 00:16:52,640
Speaker 3: amount of money to kids. That that's what one of

367
00:16:52,680 --> 00:16:56,200
Speaker 3: my friends pays. So you know, I that's why I

368
00:16:56,280 --> 00:16:59,760
Speaker 3: honestly like many of the cities they.

369
00:16:59,600 --> 00:16:59,960
Speaker 1: Don't do that.

370
00:17:00,160 --> 00:17:01,480
Speaker 3: I don't think like in a lot of like maybe

371
00:17:01,600 --> 00:17:04,359
Speaker 3: the affluent suburbs, but like in Newark, East Orange, I

372
00:17:04,400 --> 00:17:06,439
Speaker 3: know this to be true there. I don't know if

373
00:17:06,440 --> 00:17:08,880
Speaker 3: it's called the Abbot Law, but there was a law

374
00:17:09,000 --> 00:17:12,679
Speaker 3: past that made preschool public school. So what that means

375
00:17:12,840 --> 00:17:14,960
Speaker 3: is that and this is not, like I said, in

376
00:17:15,000 --> 00:17:17,119
Speaker 3: a lot of the affluent areas, but some of these

377
00:17:17,119 --> 00:17:20,200
Speaker 3: cities are not you know, terrible. But what that meant

378
00:17:20,440 --> 00:17:24,080
Speaker 3: means is that once the child turns three, they can

379
00:17:24,160 --> 00:17:28,000
Speaker 3: go to preschool for free, which used to basically be

380
00:17:28,040 --> 00:17:30,320
Speaker 3: called daycare, but now it's preschool and it's part of

381
00:17:30,359 --> 00:17:32,280
Speaker 3: the public school system.

382
00:17:32,640 --> 00:17:33,880
Speaker 1: But then there's still aftercare.

383
00:17:33,960 --> 00:17:36,639
Speaker 3: Because this is my nephew's is three, and so he

384
00:17:36,680 --> 00:17:39,199
Speaker 3: goes to preschool. He like his mom was like, my

385
00:17:39,240 --> 00:17:41,840
Speaker 3: sister was like, whoop, I'm so glad that he's old

386
00:17:42,000 --> 00:17:43,840
Speaker 3: enough to go to preschool. So that's one less payment

387
00:17:43,840 --> 00:17:45,080
Speaker 3: I have to pay. But she still has to pay

388
00:17:45,080 --> 00:17:49,440
Speaker 3: for aftercare, so you know there's that. But yeah, it's

389
00:17:49,480 --> 00:17:52,359
Speaker 3: just frustrating. And I agree, and truthfully, I think that

390
00:17:53,040 --> 00:17:57,159
Speaker 3: childcare should be reasonable for everyone, or that everyone should

391
00:17:57,160 --> 00:17:58,879
Speaker 3: have the opportunity to have.

392
00:17:59,080 --> 00:18:02,679
Speaker 1: Free preschool so at least to alleviate some of that

393
00:18:02,720 --> 00:18:05,040
Speaker 1: burden and regardless of what your income is, because it's

394
00:18:05,040 --> 00:18:06,320
Speaker 1: still a tremendous amount of money.

395
00:18:06,920 --> 00:18:09,680
Speaker 2: Yeah, I agree. And you know that that sense of bitterness,

396
00:18:09,720 --> 00:18:11,800
Speaker 2: I think just comes from a frustration of feeling like

397
00:18:12,280 --> 00:18:14,640
Speaker 2: she's also kind of when you're in that situation, it's

398
00:18:14,680 --> 00:18:17,040
Speaker 2: easy to look up people who and and create your

399
00:18:17,080 --> 00:18:19,480
Speaker 2: own narrative for them, like, oh, they didn't make the

400
00:18:19,560 --> 00:18:21,840
Speaker 2: right choices and now they're getting rewarded for And I

401
00:18:21,880 --> 00:18:24,760
Speaker 2: think that's like part of the toxic. It can be toxic,

402
00:18:24,800 --> 00:18:27,439
Speaker 2: and it can also distract from what the real issue is,

403
00:18:27,480 --> 00:18:30,480
Speaker 2: like saying like it's not so much thinking about in

404
00:18:30,600 --> 00:18:32,840
Speaker 2: order you don't need to people don't need to get

405
00:18:32,920 --> 00:18:34,760
Speaker 2: less so that you can have more all the time. Yeah,

406
00:18:34,800 --> 00:18:36,560
Speaker 2: And I think that that mentality. I hear it a

407
00:18:36,640 --> 00:18:39,760
Speaker 2: lot in like conservative circles when they talk when they

408
00:18:39,800 --> 00:18:43,840
Speaker 2: talk this way about about social uh uh, what do

409
00:18:43,920 --> 00:18:45,560
Speaker 2: they call? No, I can't think of the right word.

410
00:18:45,640 --> 00:18:49,600
Speaker 2: Oh my god, these you know programs and titlement thank

411
00:18:49,640 --> 00:18:52,560
Speaker 2: you and titlement programs like SNAP, like food stamps, like

412
00:18:52,720 --> 00:18:56,280
Speaker 2: other assistance programs. Is that it's very much like, oh,

413
00:18:56,400 --> 00:18:59,280
Speaker 2: if they have, then I can't have, and in order

414
00:18:59,359 --> 00:19:00,920
Speaker 2: for me to have, we had to take it away

415
00:19:00,920 --> 00:19:03,760
Speaker 2: from them. I would prefer if we created a system

416
00:19:03,760 --> 00:19:06,520
Speaker 2: where we continue to support those families who do need

417
00:19:06,520 --> 00:19:09,120
Speaker 2: this and not project stories onto them that we don't

418
00:19:09,160 --> 00:19:11,160
Speaker 2: even know their lives, Like, you don't know what they're

419
00:19:11,160 --> 00:19:14,080
Speaker 2: going through. They may have really great you know, it

420
00:19:14,119 --> 00:19:16,119
Speaker 2: may be that they didn't make they did make the

421
00:19:16,200 --> 00:19:18,160
Speaker 2: right choices and they still ended up in this situation,

422
00:19:18,400 --> 00:19:20,919
Speaker 2: or a space died and they ended up with the

423
00:19:20,960 --> 00:19:21,639
Speaker 2: single income.

424
00:19:21,760 --> 00:19:23,040
Speaker 1: Or I'm not gonna lie because I have to.

425
00:19:23,080 --> 00:19:25,680
Speaker 3: Because I grew up in like super suburbs right Westfield,

426
00:19:25,680 --> 00:19:28,240
Speaker 3: New Jersey, super suburbs, a fluid. My dad really worked

427
00:19:28,600 --> 00:19:30,520
Speaker 3: really hard and my mom really worked really hard to

428
00:19:30,560 --> 00:19:32,560
Speaker 3: make sure. He was like, it's either private school or

429
00:19:32,600 --> 00:19:34,600
Speaker 3: pay taxes in the town with the great public school.

430
00:19:34,880 --> 00:19:36,840
Speaker 1: So I was fortunate, So I'm not gonna lie.

431
00:19:37,000 --> 00:19:38,760
Speaker 3: Before I came to work in New York, I was

432
00:19:38,880 --> 00:19:41,919
Speaker 3: very much of the mindset of like, pull yourself.

433
00:19:41,680 --> 00:19:44,320
Speaker 1: Up by your bootstraps, work hard, and you can you

434
00:19:44,359 --> 00:19:46,879
Speaker 1: can make it. That's what I thought easy for me

435
00:19:47,000 --> 00:19:48,680
Speaker 1: to say with two parents.

436
00:19:48,320 --> 00:19:51,639
Speaker 3: With both master's degrees and growing up in Westfield with

437
00:19:51,680 --> 00:19:55,359
Speaker 3: an an excellent education. The truth is, it wasn't until

438
00:19:55,359 --> 00:19:58,760
Speaker 3: I started teaching in Newark that I was like, whoa

439
00:19:58,880 --> 00:20:02,000
Speaker 3: whoa like. I mean, I knew that people kind of

440
00:20:02,040 --> 00:20:04,639
Speaker 3: like didn't start off on even playing fields, but I

441
00:20:04,680 --> 00:20:07,160
Speaker 3: just assumed if you work hard, you could overcome that.

442
00:20:08,160 --> 00:20:09,560
Speaker 1: I have three year olds who used to come and

443
00:20:09,600 --> 00:20:12,119
Speaker 1: be like I saw a dead body today.

444
00:20:12,200 --> 00:20:14,000
Speaker 3: You know you have four year olds who are like,

445
00:20:14,720 --> 00:20:20,800
Speaker 3: you know, like they're you know, they're seeing drunkenness, drugs, death,

446
00:20:21,160 --> 00:20:24,960
Speaker 3: destruction at four, who have seen more at four than

447
00:20:25,000 --> 00:20:26,399
Speaker 3: I used to when I was twenty two when I

448
00:20:26,440 --> 00:20:28,080
Speaker 3: first started teaching, And I remember I used to go

449
00:20:28,119 --> 00:20:30,720
Speaker 3: home almost every day for my first year of teaching

450
00:20:30,760 --> 00:20:34,000
Speaker 3: and cry almost every single day because I thought, to myself,

451
00:20:34,440 --> 00:20:36,679
Speaker 3: this three year old has experienced more life than I have.

452
00:20:37,359 --> 00:20:40,200
Speaker 1: How can I say, if you just work hard.

453
00:20:40,359 --> 00:20:45,120
Speaker 3: Because it's they did not choose the situation or circumstance,

454
00:20:45,520 --> 00:20:47,600
Speaker 3: and it helps to flavor the rest of your life.

455
00:20:47,720 --> 00:20:50,679
Speaker 3: I actually had to stop teaching, like I knew that

456
00:20:50,720 --> 00:20:52,719
Speaker 3: even though the year that my school closed down, I

457
00:20:52,840 --> 00:20:55,679
Speaker 3: was ready to leave it had it had brought me

458
00:20:55,760 --> 00:20:58,840
Speaker 3: to like a place I wasn't happy, Like I love

459
00:20:58,920 --> 00:21:02,199
Speaker 3: the kids, but it was so dark, like working in

460
00:21:02,240 --> 00:21:04,680
Speaker 3: an environment I said, Like I said, not the kids,

461
00:21:04,680 --> 00:21:07,399
Speaker 3: not even the parents, but just like the overall environment

462
00:21:07,440 --> 00:21:10,640
Speaker 3: where we were. It was so disparaging, like I wasn't

463
00:21:10,680 --> 00:21:12,320
Speaker 3: the same. I remember my boyfriend at the time was like,

464
00:21:12,320 --> 00:21:14,240
Speaker 3: you don't even laugh as much, Tiffany.

465
00:21:14,160 --> 00:21:15,159
Speaker 1: You don't smile as much.

466
00:21:15,200 --> 00:21:17,720
Speaker 3: You don't and it was changing me and so I

467
00:21:17,760 --> 00:21:19,359
Speaker 3: say all that to say that, like, so I'm not,

468
00:21:19,400 --> 00:21:20,760
Speaker 3: you know, definitely not knocking.

469
00:21:20,480 --> 00:21:24,680
Speaker 2: Our our what was her name, Marie Natasha.

470
00:21:24,200 --> 00:21:27,720
Speaker 3: Natasha, because I was under that impression too until for

471
00:21:27,800 --> 00:21:31,359
Speaker 3: ten years I was in an environment where I was like, Wow,

472
00:21:31,760 --> 00:21:35,520
Speaker 3: how do you ascend from an environment such as this?

473
00:21:36,119 --> 00:21:38,480
Speaker 1: It is very difficult. It was hard for me as

474
00:21:38,480 --> 00:21:39,720
Speaker 1: an adult. I had to leave it.

475
00:21:40,160 --> 00:21:42,440
Speaker 3: I can't imagine a child that doesn't have a choice

476
00:21:42,600 --> 00:21:44,800
Speaker 3: and then you grow up into an adult who that's

477
00:21:44,840 --> 00:21:48,120
Speaker 3: all you've seen and known, and yeah, it's just very

478
00:21:48,119 --> 00:21:50,280
Speaker 3: difficult to do better when you're not around better.

479
00:21:51,119 --> 00:21:53,960
Speaker 2: But yeah, so and the parents who are trying to

480
00:21:53,960 --> 00:21:56,000
Speaker 2: do better by trying to get access to the nice

481
00:21:56,040 --> 00:21:59,160
Speaker 2: daycare that maybe her kids are going to, they need

482
00:21:59,160 --> 00:22:01,720
Speaker 2: the assistance or to get that leg up right. So

483
00:22:01,760 --> 00:22:04,720
Speaker 2: it's like you're anyway, So I would I would just

484
00:22:04,720 --> 00:22:07,600
Speaker 2: say like to to to forget to to get out

485
00:22:07,600 --> 00:22:09,919
Speaker 2: of your own negative like mindset. And the reason I

486
00:22:09,920 --> 00:22:12,000
Speaker 2: got chills is because I feel like it just really

487
00:22:12,359 --> 00:22:15,000
Speaker 2: this frustration I know is very common and I would

488
00:22:15,000 --> 00:22:18,439
Speaker 2: like to challenge it just by saying that forget about

489
00:22:19,040 --> 00:22:21,560
Speaker 2: them in the equation and like, you know, it's not

490
00:22:21,680 --> 00:22:24,639
Speaker 2: about their benefits taking away from what you could be getting.

491
00:22:24,640 --> 00:22:28,399
Speaker 2: It's like challenge our elected officials to create policies to

492
00:22:28,600 --> 00:22:31,719
Speaker 2: and their system is broken. I one hundred percent agree. Vote,

493
00:22:31,760 --> 00:22:33,919
Speaker 2: you know, vote for people who agree with you and

494
00:22:34,000 --> 00:22:40,240
Speaker 2: have plans to to expand childcare resources and benefits to

495
00:22:40,359 --> 00:22:43,600
Speaker 2: the middle class, to people who are working hard. And

496
00:22:43,640 --> 00:22:45,760
Speaker 2: if you listen to that, you know, most recent debate

497
00:22:46,440 --> 00:22:50,280
Speaker 2: to Democratic debate, I can think of Kamala Harris and

498
00:22:50,320 --> 00:22:53,920
Speaker 2: Elizabeth Warren Kristin Gillibrand, they made a point to talk

499
00:22:53,920 --> 00:22:57,879
Speaker 2: about those programs in there in that debate, and so

500
00:22:57,960 --> 00:23:01,119
Speaker 2: pay attention, and we just got it's not going to

501
00:23:01,160 --> 00:23:04,200
Speaker 2: be fixed tomorrow. We have to vote. And I would

502
00:23:04,200 --> 00:23:08,199
Speaker 2: say it's a misplaced frustration to blame the people who

503
00:23:08,240 --> 00:23:11,399
Speaker 2: are struggling and trying to get a leg up however

504
00:23:11,440 --> 00:23:13,919
Speaker 2: they can. I would focus more on what we can do,

505
00:23:14,040 --> 00:23:19,800
Speaker 2: and that's really voting. But thank you, Natasha, And I'm

506
00:23:19,800 --> 00:23:23,400
Speaker 2: going to read a couple not as many, not as

507
00:23:23,440 --> 00:23:26,040
Speaker 2: heated as you know, not as not as heavy as

508
00:23:26,080 --> 00:23:27,679
Speaker 2: that one, but that was the good one to start with.

509
00:23:27,920 --> 00:23:31,880
Speaker 2: It was but Bridget and Knoxville, Tennessee. So I thought Nxville, Tennessee.

510
00:23:31,880 --> 00:23:33,119
Speaker 2: They must be super affordable.

511
00:23:33,160 --> 00:23:33,240
Speaker 1: No.

512
00:23:33,400 --> 00:23:36,800
Speaker 2: She spends twenty two thousand dollars a year with her

513
00:23:36,840 --> 00:23:39,920
Speaker 2: two kids through childcare. It's about four hundred and something

514
00:23:39,960 --> 00:23:43,520
Speaker 2: dollars per week. She says, I cry internally every week

515
00:23:44,000 --> 00:23:46,760
Speaker 2: that check clears. We are not a six figure household,

516
00:23:46,920 --> 00:23:48,600
Speaker 2: and we are sinking due to the amount that we

517
00:23:48,600 --> 00:23:52,720
Speaker 2: pay for daycare over twenty two k a year. Rachel,

518
00:23:52,840 --> 00:23:55,560
Speaker 2: who has friends who live in Virginia, says that the

519
00:23:55,600 --> 00:23:58,080
Speaker 2: cost of their rental apartment was twenty two hundred dollars

520
00:23:58,160 --> 00:24:01,040
Speaker 2: a month. Childcare for two children was forty two hundred.

521
00:24:01,240 --> 00:24:05,240
Speaker 2: Oh my gosh, forty two one hundred dollars a month.

522
00:24:06,640 --> 00:24:08,160
Speaker 1: I don't even. I don't even honestly.

523
00:24:08,440 --> 00:24:12,480
Speaker 2: And where was it in Virginia, Virginia, the suburbs of Virginia.

524
00:24:12,560 --> 00:24:20,440
Speaker 1: And how many how many kids too? Times twelve fifty thousand,

525
00:24:20,520 --> 00:24:21,600
Speaker 1: four hundred dollars a year.

526
00:24:21,720 --> 00:24:26,720
Speaker 3: That's insane, goddamn honestly, that's like college.

527
00:24:26,960 --> 00:24:30,000
Speaker 2: That's college. Yeah, you could pay for several years of college.

528
00:24:30,359 --> 00:24:31,440
Speaker 1: That's in my gosh.

529
00:24:31,520 --> 00:24:33,800
Speaker 2: And then everybody's like, and open up, I two nine

530
00:24:33,840 --> 00:24:35,520
Speaker 2: for your child and all. And I'm like, yeah, but

531
00:24:35,600 --> 00:24:36,440
Speaker 2: how with what money?

532
00:24:37,240 --> 00:24:37,520
Speaker 3: Yeah?

533
00:24:38,040 --> 00:24:39,160
Speaker 1: Oh my goodness.

534
00:24:39,440 --> 00:24:42,880
Speaker 2: Another listener, Amber lives in the suburbs of Maryland between

535
00:24:42,960 --> 00:24:47,119
Speaker 2: DC and Baltimore. They pay seventeen twenty per month again

536
00:24:47,200 --> 00:24:50,680
Speaker 2: for two kids, and then when their five year old

537
00:24:50,680 --> 00:24:53,920
Speaker 2: starts public school, they're just there or sorry the two

538
00:24:53,920 --> 00:24:55,680
Speaker 2: and a four year old, and they're looking forward to

539
00:24:55,680 --> 00:24:57,639
Speaker 2: their four year old turning five because that means they

540
00:24:57,640 --> 00:25:00,840
Speaker 2: can save eight hundred bucks a month when their kids

541
00:25:00,840 --> 00:25:04,040
Speaker 2: are are going to school. Amber says, we've redone our

542
00:25:04,040 --> 00:25:06,800
Speaker 2: budget and decided to surrender both of our newish cars

543
00:25:06,840 --> 00:25:09,919
Speaker 2: and purchase paid off older cars, slashing our budget by

544
00:25:09,960 --> 00:25:12,760
Speaker 2: fourteen hundred dollars a month. To make room, We've also

545
00:25:12,800 --> 00:25:14,960
Speaker 2: decided to cut off our cable and get internet only

546
00:25:15,000 --> 00:25:17,360
Speaker 2: with Netflix and Hulu. This will hopefully allow us more

547
00:25:17,359 --> 00:25:20,720
Speaker 2: breathing rooms, so we're not living paycheck to paycheck anymore.

548
00:25:22,240 --> 00:25:22,560
Speaker 4: Wow.

549
00:25:22,680 --> 00:25:28,920
Speaker 2: Great, but oh, I know, thank you guys for sharing.

550
00:25:29,400 --> 00:25:31,399
Speaker 2: You know, if I feel like this is cathartic, if

551
00:25:31,440 --> 00:25:34,520
Speaker 2: you want to continue sending your your emails and messages

552
00:25:34,520 --> 00:25:36,800
Speaker 2: about the cost of childcare or whatever you think is

553
00:25:36,840 --> 00:25:38,720
Speaker 2: like the biggest part of your budget that you just

554
00:25:38,760 --> 00:25:40,879
Speaker 2: want to you know share with us. Hit us up

555
00:25:40,880 --> 00:25:44,520
Speaker 2: at Brown Ambition podcast on Instagram or email us at

556
00:25:44,640 --> 00:25:47,280
Speaker 2: the Brown Ambition Wait, email us where at Brown Ambition

557
00:25:47,440 --> 00:25:51,280
Speaker 2: Podcasts at gmail dot com dot com, and we'd love

558
00:25:51,400 --> 00:25:53,560
Speaker 2: to uh, maybe we'll read some more these on the show.

559
00:25:54,280 --> 00:25:57,360
Speaker 3: Yeah, well these are great, but it is. Yeah, I'd

560
00:25:57,400 --> 00:25:59,440
Speaker 3: be I wonder who has the most expensive talcare.

561
00:25:59,480 --> 00:26:02,679
Speaker 2: I'd be curious, Like, you know, that's the way they

562
00:26:02,680 --> 00:26:04,520
Speaker 2: say kids are the new like kids are the new

563
00:26:04,520 --> 00:26:07,840
Speaker 2: status symbol. You know, the more kids you can afford

564
00:26:07,880 --> 00:26:10,040
Speaker 2: to have to pay for childcare. I mean not just

565
00:26:10,560 --> 00:26:14,000
Speaker 2: like unless you've got living relatives or whatnot. But I

566
00:26:14,080 --> 00:26:17,000
Speaker 2: mean I read an article it wasn't this year, maybe

567
00:26:17,040 --> 00:26:19,240
Speaker 2: last year about in New York City how the third

568
00:26:19,320 --> 00:26:21,399
Speaker 2: kid is now the new status symbol.

569
00:26:21,520 --> 00:26:22,520
Speaker 1: I did read that.

570
00:26:22,560 --> 00:26:25,040
Speaker 3: I think I was watching actually like a a not

571
00:26:25,080 --> 00:26:26,959
Speaker 3: a documentary, but like a I don't know, like a

572
00:26:27,000 --> 00:26:29,400
Speaker 3: new segment, and I'm like, wow, that like New York,

573
00:26:29,800 --> 00:26:32,000
Speaker 3: the New York elites trying to have a gang of

574
00:26:32,119 --> 00:26:34,800
Speaker 3: kids to be like, look, we can avoid them.

575
00:26:36,359 --> 00:26:39,080
Speaker 2: I know, right, my friends who are having kids, they

576
00:26:39,119 --> 00:26:40,800
Speaker 2: want to have two because you want like a friend

577
00:26:40,840 --> 00:26:43,159
Speaker 2: for the first kid, you know, to help them or

578
00:26:43,240 --> 00:26:44,880
Speaker 2: like be there for them later in life or whatever.

579
00:26:44,920 --> 00:26:46,840
Speaker 2: But just to have that second kid, just it just

580
00:26:46,960 --> 00:26:48,919
Speaker 2: doubles that expense, and you want them to be too

581
00:26:48,960 --> 00:26:51,040
Speaker 2: far apart in age, so you do have, like a

582
00:26:51,080 --> 00:26:52,600
Speaker 2: lot of our listeners have said, you end up with

583
00:26:52,680 --> 00:26:54,320
Speaker 2: kids who are a couple of years apart in age

584
00:26:54,359 --> 00:26:56,879
Speaker 2: and dakecare at the same time, and that's when it

585
00:26:56,920 --> 00:27:01,800
Speaker 2: becomes excruciatingly difficult financially. So it's you know, it sucks

586
00:27:01,800 --> 00:27:04,560
Speaker 2: to think about money stopping someone from fulfilling their dreams

587
00:27:04,600 --> 00:27:06,960
Speaker 2: of being a parent, But when you hear numbers like this,

588
00:27:08,440 --> 00:27:10,919
Speaker 2: you know, it just drives home. It just makes the

589
00:27:10,960 --> 00:27:14,399
Speaker 2: reality so much more clear. Like I can't beat I

590
00:27:14,440 --> 00:27:15,760
Speaker 2: can't blame people for waiting.

591
00:27:17,480 --> 00:27:21,160
Speaker 3: I'm like five kids, mommy and daddy houses even back then.

592
00:27:21,200 --> 00:27:51,560
Speaker 4: That's crazy.

593
00:27:54,200 --> 00:27:56,160
Speaker 1: So that feedback was amazing.

594
00:27:56,480 --> 00:27:59,639
Speaker 3: Let's dig back in the email bag and do some

595
00:28:00,320 --> 00:28:02,560
Speaker 3: question Sally.

596
00:28:03,560 --> 00:28:07,280
Speaker 2: Okay, all right, I'm really excited about today's questions because one,

597
00:28:07,359 --> 00:28:09,439
Speaker 2: I love when we get a guy asking us a question.

598
00:28:10,080 --> 00:28:11,960
Speaker 2: Uh two, I love it even more when he refers

599
00:28:11,960 --> 00:28:14,600
Speaker 2: to us as his queens. So first question comes from

600
00:28:14,640 --> 00:28:17,959
Speaker 2: listener Scott, who says, Hello, my queens. My wife and

601
00:28:18,000 --> 00:28:20,439
Speaker 2: I are in a four year window of buying a house.

602
00:28:20,680 --> 00:28:23,199
Speaker 2: Both our credit scores are in the six hundreds, and

603
00:28:23,240 --> 00:28:25,320
Speaker 2: I was wondering, because we want to raise our score,

604
00:28:25,600 --> 00:28:29,280
Speaker 2: is it worth it to do boostmscore dot com. It's

605
00:28:29,320 --> 00:28:33,400
Speaker 2: a credit it's a credit piggybacking website that can help

606
00:28:33,480 --> 00:28:36,679
Speaker 2: us raise our scores. I'm already using self Lender. In

607
00:28:36,720 --> 00:28:39,160
Speaker 2: a few months, I'll have my credit cards jump like Jordan.

608
00:28:40,120 --> 00:28:42,040
Speaker 2: I have no problem to use.

609
00:28:42,040 --> 00:28:43,280
Speaker 1: That's my thing, jumping.

610
00:28:43,360 --> 00:28:47,440
Speaker 2: I know. Hey, he listens. He says, I'm already using

611
00:28:47,440 --> 00:28:49,080
Speaker 2: self lender and in a few months I should have

612
00:28:49,160 --> 00:28:51,600
Speaker 2: my credit score jump like Jordan, I have nobody to

613
00:28:51,640 --> 00:28:54,080
Speaker 2: piggyback off of. And I'm going to explain what this

614
00:28:54,080 --> 00:28:56,200
Speaker 2: whole thing means after I finish reading his question. I

615
00:28:56,200 --> 00:28:58,400
Speaker 2: have nobody to piggyback off of. So should I pay

616
00:28:58,440 --> 00:29:01,760
Speaker 2: for this service? If so, so, how about about how

617
00:29:01,800 --> 00:29:04,280
Speaker 2: far from applying for a mortgage? Should I sign up?

618
00:29:04,600 --> 00:29:06,560
Speaker 2: Thanks for your help and all you do. I'm a

619
00:29:06,600 --> 00:29:08,560
Speaker 2: truck driver and listen to you guys when I'm driving.

620
00:29:08,640 --> 00:29:12,640
Speaker 2: Love the podcast. Thank you Scott, Scott the truck Driver.

621
00:29:13,200 --> 00:29:13,640
Speaker 2: I love that.

622
00:29:14,480 --> 00:29:15,760
Speaker 1: Yes, I love that you listen.

623
00:29:15,800 --> 00:29:18,000
Speaker 3: I love when they use vernacular back jump like Jordan

624
00:29:18,280 --> 00:29:20,160
Speaker 3: Gas piggybacking.

625
00:29:20,360 --> 00:29:21,320
Speaker 1: You guys are really learning.

626
00:29:22,040 --> 00:29:24,400
Speaker 2: So I looked into this. Had you heard of boostmiscore

627
00:29:24,440 --> 00:29:25,400
Speaker 2: dot com before.

628
00:29:25,680 --> 00:29:27,360
Speaker 1: I've heard of it? Well, first you said you were

629
00:29:27,400 --> 00:29:29,280
Speaker 1: gonna talk about what piggybacking was.

630
00:29:29,400 --> 00:29:31,720
Speaker 2: So that's the strategy that boosts my Score uses. So

631
00:29:31,720 --> 00:29:34,560
Speaker 2: boost my Score is just is just another credit repair firm.

632
00:29:34,960 --> 00:29:37,160
Speaker 2: And I went to their website and it is all

633
00:29:37,200 --> 00:29:40,000
Speaker 2: flashy and you know, has all these you know, promises

634
00:29:40,040 --> 00:29:43,760
Speaker 2: of improving your credit. So anyway, the credit repair credit

635
00:29:43,800 --> 00:29:46,920
Speaker 2: repair services sometimes use this tactic called piggybacking, which is

636
00:29:46,960 --> 00:29:49,840
Speaker 2: where they actually pay people who do have good credit

637
00:29:50,280 --> 00:29:55,520
Speaker 2: to add their add their clients as a authorized user

638
00:29:55,600 --> 00:29:58,920
Speaker 2: on their credit accounts, so that that used that client

639
00:29:58,960 --> 00:30:01,360
Speaker 2: of theirs can then and get the benefit of that

640
00:30:01,480 --> 00:30:04,640
Speaker 2: user's positive credit. It's like, imagine if you don't have

641
00:30:04,680 --> 00:30:06,400
Speaker 2: a relative or a mom or a dad or a

642
00:30:06,480 --> 00:30:09,160
Speaker 2: spouse to become an authorized user on their account to

643
00:30:09,200 --> 00:30:11,400
Speaker 2: help boost your credit. So you go to a site

644
00:30:11,480 --> 00:30:14,040
Speaker 2: like boostmscore dot com and they'll help match you with

645
00:30:14,080 --> 00:30:17,360
Speaker 2: the random stranger who has agreed because they're getting paid

646
00:30:17,360 --> 00:30:21,400
Speaker 2: by boostmiscore dot Com to let you attach yourself to

647
00:30:21,480 --> 00:30:24,840
Speaker 2: their become an authorized user on their account. And I

648
00:30:24,840 --> 00:30:27,440
Speaker 2: did some digging. There's not a ton of like, there's

649
00:30:27,480 --> 00:30:31,520
Speaker 2: not a ton of articles written on this practice. There's

650
00:30:31,520 --> 00:30:37,200
Speaker 2: some question of how of how legitimate it is and

651
00:30:37,240 --> 00:30:41,480
Speaker 2: how even effective it is. It definitely has been used.

652
00:30:41,480 --> 00:30:45,000
Speaker 2: It can be legitimate, it can legitimately help. The issue

653
00:30:45,040 --> 00:30:48,200
Speaker 2: is that you never know if the lender who you're

654
00:30:48,240 --> 00:30:52,480
Speaker 2: applying with is going to factor in that authorized the

655
00:30:52,840 --> 00:30:57,000
Speaker 2: is going to give you credit for that authorized user behavior.

656
00:30:57,400 --> 00:31:01,360
Speaker 2: Not all credit cards even report and report authorized user

657
00:31:01,880 --> 00:31:04,760
Speaker 2: behavior to the credit bureaus, so you'd have to really

658
00:31:04,800 --> 00:31:07,560
Speaker 2: make sure that you would. You know, you'd have to

659
00:31:07,640 --> 00:31:09,840
Speaker 2: know what lender you're going to be applying with to

660
00:31:09,920 --> 00:31:12,080
Speaker 2: see what credit score model they use, and does that

661
00:31:12,120 --> 00:31:14,720
Speaker 2: credit score model, because there's a million different credit score models,

662
00:31:15,080 --> 00:31:17,160
Speaker 2: a million different versions of the FICO score they could

663
00:31:17,200 --> 00:31:20,160
Speaker 2: be using. And I can tell you with mortgages they're

664
00:31:20,160 --> 00:31:22,680
Speaker 2: all using. I think it is like FICO two. It's

665
00:31:22,680 --> 00:31:25,400
Speaker 2: one of the older, older, older Fyco models. Now we're

666
00:31:25,440 --> 00:31:28,880
Speaker 2: up to like FIGHTO nine or something. And if they are,

667
00:31:29,000 --> 00:31:31,480
Speaker 2: it may not be giving you the benefit that you

668
00:31:31,560 --> 00:31:35,440
Speaker 2: think I would be weary of any credit repair service

669
00:31:35,600 --> 00:31:40,240
Speaker 2: that you see or that sort of like presents itself

670
00:31:40,240 --> 00:31:42,880
Speaker 2: as a quick and easy fix. You guys say you

671
00:31:42,880 --> 00:31:44,720
Speaker 2: have a four year window to buy a house, That

672
00:31:44,840 --> 00:31:46,400
Speaker 2: to me sounds like plenty of time to get your

673
00:31:46,400 --> 00:31:50,320
Speaker 2: credit score. Plenty, plenty. You're already doing some really smart stuff.

674
00:31:50,360 --> 00:31:53,200
Speaker 2: So self Lender we talked with them before, right, Tiff.

675
00:31:53,720 --> 00:31:55,320
Speaker 1: Yeah, No, I love self Lender. Honestly.

676
00:31:55,360 --> 00:31:56,680
Speaker 3: To me, it's like one of those win wins. So

677
00:31:57,080 --> 00:31:59,240
Speaker 3: they sound like they're on the right track. And credit

678
00:31:59,280 --> 00:32:02,200
Speaker 3: is one of those things. I think people forget that

679
00:32:02,360 --> 00:32:05,400
Speaker 3: credit is because people, I'm sure you get this question, Mandy,

680
00:32:05,440 --> 00:32:07,080
Speaker 3: if I do this one thing, what will my score be?

681
00:32:07,240 --> 00:32:09,800
Speaker 3: It's like says, That's not how credit works. It's an

682
00:32:09,880 --> 00:32:14,200
Speaker 3: average of your good choices or bad choices, and so

683
00:32:14,640 --> 00:32:16,440
Speaker 3: it's you have to think about it like your GPA,

684
00:32:16,600 --> 00:32:18,960
Speaker 3: like when you were in college or high school. Right,

685
00:32:19,040 --> 00:32:21,440
Speaker 3: So if you're like, oh, if I get an A

686
00:32:21,600 --> 00:32:23,520
Speaker 3: and math, what's my GPA going to be?

687
00:32:23,800 --> 00:32:24,600
Speaker 1: I don't know.

688
00:32:24,720 --> 00:32:27,600
Speaker 3: I would have to know, like what other grades did

689
00:32:27,640 --> 00:32:29,840
Speaker 3: you get? What did you do junior year? What'd you

690
00:32:29,880 --> 00:32:32,719
Speaker 3: do sophomore year because the grades that matter most are

691
00:32:32,720 --> 00:32:35,240
Speaker 3: the ones you got within the last two years, but

692
00:32:35,320 --> 00:32:36,520
Speaker 3: the other grades still play.

693
00:32:36,400 --> 00:32:39,280
Speaker 1: Somewhat of a role. So it's just about.

694
00:32:39,360 --> 00:32:42,360
Speaker 3: So the key is with credit, I feel like it's

695
00:32:42,360 --> 00:32:45,080
Speaker 3: not about looking back, it's about looking forward because the

696
00:32:45,120 --> 00:32:47,720
Speaker 3: last two years mean the most. So that means if

697
00:32:47,720 --> 00:32:51,200
Speaker 3: you can get as many a's as possible moving forward,

698
00:32:51,240 --> 00:32:53,600
Speaker 3: you could offset any ds, F or cs that you

699
00:32:53,680 --> 00:32:55,560
Speaker 3: got in the past, and then you can kind of

700
00:32:55,600 --> 00:32:58,320
Speaker 3: like you know, think about like if you have one

701
00:32:58,480 --> 00:33:00,480
Speaker 3: F and one A plus, so you're out is likely

702
00:33:00,480 --> 00:33:02,760
Speaker 3: to see but then you get another A plus and

703
00:33:02,760 --> 00:33:04,560
Speaker 3: another A plus, another A plus, and all of a sudden,

704
00:33:04,600 --> 00:33:07,200
Speaker 3: that F is not having as big of a as

705
00:33:07,240 --> 00:33:10,520
Speaker 3: A as A dragged out as as it did when

706
00:33:10,560 --> 00:33:11,920
Speaker 3: you only had a couple of grades.

707
00:33:11,960 --> 00:33:14,520
Speaker 1: So yeah, four years is plenty of time.

708
00:33:14,560 --> 00:33:17,240
Speaker 3: Believe me, I had a foreclosure, I had late bills,

709
00:33:17,280 --> 00:33:19,360
Speaker 3: I had all this stuff. I had At one point,

710
00:33:19,400 --> 00:33:22,400
Speaker 3: I had an ATO two right before the recession hit

711
00:33:22,520 --> 00:33:24,600
Speaker 3: and I lost everything and then I dropped down to

712
00:33:24,640 --> 00:33:28,520
Speaker 3: A five forty seven. That's with the foreclosure and everything

713
00:33:28,520 --> 00:33:31,440
Speaker 3: like late bills, and so it took me about because

714
00:33:31,480 --> 00:33:35,560
Speaker 3: foreclosure is such a big black mark on your credit score.

715
00:33:35,920 --> 00:33:39,360
Speaker 3: It took me about two years of like paying things

716
00:33:39,360 --> 00:33:41,760
Speaker 3: on time, paying off a credit card in full every month,

717
00:33:42,640 --> 00:33:44,640
Speaker 3: and then I got in two years, I got up

718
00:33:44,680 --> 00:33:46,080
Speaker 3: to maybe like a year and a half or year

719
00:33:46,160 --> 00:33:48,520
Speaker 3: some change. I got up to like a seven fifty,

720
00:33:48,640 --> 00:33:51,600
Speaker 3: and then to two and a half years in, I'm

721
00:33:51,600 --> 00:33:54,160
Speaker 3: back in the eight hundreds. Despite the fact of having

722
00:33:54,160 --> 00:33:56,479
Speaker 3: a foreclosure still active on my it hasn't fallen off

723
00:33:56,560 --> 00:33:58,959
Speaker 3: yet on my credit report.

724
00:33:59,080 --> 00:34:01,720
Speaker 1: So they all have to say, you've got time, You're

725
00:34:01,760 --> 00:34:02,440
Speaker 1: doing the right thing.

726
00:34:02,560 --> 00:34:04,560
Speaker 3: Just keep getting those aids and it will afset any

727
00:34:04,640 --> 00:34:08,200
Speaker 3: negative things that you had previously. My only concern too

728
00:34:08,239 --> 00:34:12,240
Speaker 3: about piggybacking with someone, and I'm sorry Lisa. So for example,

729
00:34:12,440 --> 00:34:14,360
Speaker 3: I let my baby sister Lisa, piggyback on one of

730
00:34:14,400 --> 00:34:15,960
Speaker 3: my cards because I'm like, I never use I never

731
00:34:16,080 --> 00:34:20,200
Speaker 3: use it. Of course, randomly I forgot that something like

732
00:34:20,360 --> 00:34:22,160
Speaker 3: charge and I didn't know because I never used the card,

733
00:34:22,200 --> 00:34:23,520
Speaker 3: so I didn't I didn't pay.

734
00:34:23,640 --> 00:34:25,719
Speaker 1: I didn't pay. It was like ten dollars charge. I

735
00:34:25,719 --> 00:34:27,360
Speaker 1: didn't see the email that they said, like you know

736
00:34:27,800 --> 00:34:29,960
Speaker 1: something is due. It wasn't until she called me and

737
00:34:30,000 --> 00:34:31,680
Speaker 1: she's said, you have a late payment. I was like,

738
00:34:31,760 --> 00:34:34,200
Speaker 1: I do it was of course on the one card

739
00:34:34,520 --> 00:34:38,120
Speaker 1: was counting on you, So I felt bad.

740
00:34:38,160 --> 00:34:41,839
Speaker 3: So there's always that you know that you have the Unfortunately,

741
00:34:41,880 --> 00:34:44,440
Speaker 3: there's the potential that you know, you add someone to

742
00:34:44,480 --> 00:34:47,279
Speaker 3: your card and you know that or that person add

743
00:34:47,320 --> 00:34:49,359
Speaker 3: you to their card and they you know, they make

744
00:34:49,360 --> 00:34:50,840
Speaker 3: a mistake, and now it looks like you made a

745
00:34:50,840 --> 00:34:53,600
Speaker 3: mistake too. So I just say, continue the good work.

746
00:34:53,600 --> 00:34:55,719
Speaker 3: What you're doing now, it'll it will off set each other.

747
00:34:55,719 --> 00:34:57,360
Speaker 3: You're gonna you're gonna raise your average.

748
00:34:57,520 --> 00:34:59,520
Speaker 2: You've got plenty of time. You don't need to piggybank off,

749
00:34:59,640 --> 00:35:02,279
Speaker 2: piggy off a stranger. Let alone pay for it. Like

750
00:35:02,320 --> 00:35:03,880
Speaker 2: you don't have to pay to improve your credit. You

751
00:35:03,960 --> 00:35:07,560
Speaker 2: just got to have really good habits. So self lender

752
00:35:07,600 --> 00:35:10,360
Speaker 2: is a good starting point if you guys, maybe booster's

753
00:35:10,360 --> 00:35:12,120
Speaker 2: credit score a little bit. You can work with even

754
00:35:12,160 --> 00:35:15,000
Speaker 2: like a credit union and get a small credit builder

755
00:35:15,040 --> 00:35:17,480
Speaker 2: loan or just a small personal loan and then you

756
00:35:17,640 --> 00:35:20,440
Speaker 2: just pay that back and that can help you boost

757
00:35:20,440 --> 00:35:21,920
Speaker 2: your score at all. We have a lot of tips.

758
00:35:21,920 --> 00:35:24,839
Speaker 2: I can share a couple of articles with some with

759
00:35:24,920 --> 00:35:27,439
Speaker 2: some with some credit building strategies. It will take time,

760
00:35:27,520 --> 00:35:29,120
Speaker 2: but like I mean a year or two and you've

761
00:35:29,120 --> 00:35:32,040
Speaker 2: got four you can definitely get those scores way way

762
00:35:32,040 --> 00:35:35,719
Speaker 2: way up. Just do it. The It's like dieting, like

763
00:35:35,800 --> 00:35:39,880
Speaker 2: don't go for the quick fix, just exercise eat less.

764
00:35:40,360 --> 00:35:44,719
Speaker 2: It works, you know, for a reason. So, but thank

765
00:35:44,760 --> 00:35:46,560
Speaker 2: you so much for listening. Scott, Hope you're on the

766
00:35:46,640 --> 00:35:49,880
Speaker 2: road somewhere cool right now. Okay, let's go to the grams.

767
00:35:49,880 --> 00:35:53,640
Speaker 2: So this comes from listener Ashley. She says, I'd love

768
00:35:53,719 --> 00:35:57,000
Speaker 2: to hear your take on my question on a future podcast.

769
00:35:57,200 --> 00:35:59,160
Speaker 2: I'm fairly new to investing, and at the end of

770
00:35:59,200 --> 00:36:02,239
Speaker 2: twenty eighteen I set up a roth IRA through Fidelity

771
00:36:02,280 --> 00:36:05,200
Speaker 2: and chose my own investments based on the model portfolio

772
00:36:05,320 --> 00:36:09,200
Speaker 2: recommendation from the Retirement Calculator. I currently have all my

773
00:36:09,280 --> 00:36:12,360
Speaker 2: money invested in one mutual fund. Should I be investing

774
00:36:12,360 --> 00:36:15,560
Speaker 2: in multiple mutual funds to diversify or is having all

775
00:36:15,600 --> 00:36:17,600
Speaker 2: my money and one mutual fund enough to have a

776
00:36:17,640 --> 00:36:21,840
Speaker 2: balanced portfolio? Thank you, first and foremost, you should definitely

777
00:36:21,840 --> 00:36:23,680
Speaker 2: go back and listen to our episode. I think I've

778
00:36:23,719 --> 00:36:27,640
Speaker 2: reran it a couple of a few weeks ago how

779
00:36:27,680 --> 00:36:29,880
Speaker 2: to invest beyond your four one K where we interview

780
00:36:29,960 --> 00:36:33,040
Speaker 2: Helen Know who is my financial advisor. We talk all

781
00:36:33,080 --> 00:36:37,600
Speaker 2: about diversification and investing, and of course Helen's an expert,

782
00:36:38,360 --> 00:36:40,960
Speaker 2: so you know she'll give you some She gives good,

783
00:36:41,400 --> 00:36:45,799
Speaker 2: really good tips for beginners on that podcast on that episode,

784
00:36:46,160 --> 00:36:46,919
Speaker 2: Yes she did.

785
00:36:47,200 --> 00:36:47,399
Speaker 1: Yeah.

786
00:36:47,440 --> 00:36:49,520
Speaker 2: Well, what I can say though, is so a mutual fund,

787
00:36:49,840 --> 00:36:51,839
Speaker 2: it generally is a good idea. So a mutual fund

788
00:36:51,880 --> 00:36:56,560
Speaker 2: basically lets you let's say you're interested in and not

789
00:36:56,640 --> 00:36:58,520
Speaker 2: just buying one stock. You want to buy a bunch

790
00:36:58,560 --> 00:37:01,040
Speaker 2: of different stocks all in one So a mutual fund

791
00:37:01,080 --> 00:37:03,279
Speaker 2: allows you to do that, gives you a tiny piece

792
00:37:03,320 --> 00:37:06,760
Speaker 2: of a bunch of different stocks all in one place.

793
00:37:07,160 --> 00:37:09,640
Speaker 2: There's different types of mutual funds though, and you might

794
00:37:09,680 --> 00:37:12,560
Speaker 2: want to diversify because, for example, if you have a

795
00:37:12,640 --> 00:37:14,920
Speaker 2: mutual fund that's all on the S and P five hundred,

796
00:37:15,280 --> 00:37:19,880
Speaker 2: it's like all you know, just all stocks in companies

797
00:37:19,880 --> 00:37:22,320
Speaker 2: on the S and P, you just might be over

798
00:37:22,520 --> 00:37:24,640
Speaker 2: doing it with stocks and you don't have anything to

799
00:37:24,680 --> 00:37:27,960
Speaker 2: balance it out, like bonds. So there's mutual funds and

800
00:37:28,000 --> 00:37:30,680
Speaker 2: ETFs that trade in the bond market, and then there's

801
00:37:30,719 --> 00:37:35,799
Speaker 2: some that cover international, yeah, international, and there's small cap

802
00:37:35,840 --> 00:37:39,200
Speaker 2: and large cap. And I'm surprised that the if you

803
00:37:39,280 --> 00:37:42,560
Speaker 2: use the retirement calculator that they were, the portfolio calculator

804
00:37:42,560 --> 00:37:45,000
Speaker 2: that they helped, that they offered you that they wouldn't

805
00:37:45,000 --> 00:37:47,919
Speaker 2: have recommended a more diversified portfolio. So you might want

806
00:37:47,920 --> 00:37:50,640
Speaker 2: to maybe see if you can call Fidelity and get

807
00:37:50,640 --> 00:37:53,840
Speaker 2: them to walk you through it. They may offer like

808
00:37:53,880 --> 00:37:55,960
Speaker 2: a free service like that just to get you started

809
00:37:56,400 --> 00:37:59,800
Speaker 2: or rerun the numbers in another maybe another sort of

810
00:38:00,080 --> 00:38:06,319
Speaker 2: folio diversity tool, diversification tool, because that that might help you.

811
00:38:07,200 --> 00:38:11,319
Speaker 3: Yeah, I mean, I there's a great book called Don't

812
00:38:11,320 --> 00:38:14,800
Speaker 3: Give Me the Line. It's like it's by the founder

813
00:38:14,880 --> 00:38:16,160
Speaker 3: of Vanguard.

814
00:38:16,840 --> 00:38:20,319
Speaker 1: It's let me see Bogel, Boge Bogel.

815
00:38:20,600 --> 00:38:23,040
Speaker 3: Yes, Jack Vogel. He it's like it's like Bogal heads

816
00:38:23,080 --> 00:38:25,840
Speaker 3: guys investing. It's literally like a thirty minute read or

817
00:38:25,880 --> 00:38:28,160
Speaker 3: something like that. And so what I like about it

818
00:38:28,200 --> 00:38:31,080
Speaker 3: is that he talks about that like like that. The

819
00:38:31,080 --> 00:38:35,759
Speaker 3: three funds they suggest are total market uh, total stock

820
00:38:35,800 --> 00:38:37,279
Speaker 3: market fund, so that's like that' s and P five

821
00:38:37,360 --> 00:38:41,440
Speaker 3: hundred total bond market fund, and then some money in

822
00:38:41,520 --> 00:38:43,040
Speaker 3: you know, an international fund.

823
00:38:43,840 --> 00:38:44,680
Speaker 1: So those are the three.

824
00:38:44,760 --> 00:38:47,839
Speaker 3: That's the mix of the three that they suggest, and

825
00:38:47,880 --> 00:38:50,839
Speaker 3: then the way you choose bonds versus stocks, like how

826
00:38:50,920 --> 00:38:51,759
Speaker 3: much should you be in bonds?

827
00:38:51,760 --> 00:38:52,880
Speaker 1: How much would you be in stocks?

828
00:38:54,040 --> 00:38:57,160
Speaker 3: So I guess the rule of thumb for bonds is

829
00:38:57,200 --> 00:39:01,880
Speaker 3: your age, because bonds are quote unquote safer than stocks,

830
00:39:01,880 --> 00:39:04,600
Speaker 3: so they don't they don't yield as much return, but

831
00:39:04,640 --> 00:39:07,520
Speaker 3: they also don't have they're not as volatile as stocks are.

832
00:39:07,960 --> 00:39:10,319
Speaker 3: So if I'm thirty nine, that means I should be,

833
00:39:11,160 --> 00:39:14,680
Speaker 3: like rule of stumbill be I'm thirty nine percent in bonds,

834
00:39:14,760 --> 00:39:17,319
Speaker 3: and what is it is that fifty nine sixty one

835
00:39:17,360 --> 00:39:20,600
Speaker 3: percent in stocks? And I can shave a little off

836
00:39:20,640 --> 00:39:22,120
Speaker 3: from either one of them to put some in the

837
00:39:22,440 --> 00:39:25,839
Speaker 3: international market. And like my dad is seventy five, so

838
00:39:26,320 --> 00:39:28,680
Speaker 3: ideally he should be seventy five percent in bonds and

839
00:39:28,719 --> 00:39:30,600
Speaker 3: twenty five percent in stock because that the older you get,

840
00:39:30,640 --> 00:39:33,120
Speaker 3: you know, the less risky you want your investments to be, obviously,

841
00:39:34,200 --> 00:39:35,959
Speaker 3: So yeah, So I mean that's just a great book

842
00:39:35,960 --> 00:39:38,440
Speaker 3: to just kind of get a get an understanding of

843
00:39:38,480 --> 00:39:40,680
Speaker 3: like what diversification kind of looks like.

844
00:39:40,680 --> 00:39:42,920
Speaker 1: And like I said, the book is super skinny it's

845
00:39:42,920 --> 00:39:43,719
Speaker 1: super quick read.

846
00:39:43,880 --> 00:39:45,680
Speaker 3: Quite honestly, you can probably just google and get like

847
00:39:45,719 --> 00:39:47,600
Speaker 3: the gist of it if you don't want to pay

848
00:39:47,600 --> 00:39:50,319
Speaker 3: for the book. But yeah, I think I mean, first

849
00:39:50,360 --> 00:39:53,600
Speaker 3: of all, kudos to you for you know, for investing.

850
00:39:53,680 --> 00:39:56,000
Speaker 3: It's a good start that where you started, and the

851
00:39:56,040 --> 00:39:58,440
Speaker 3: fact that you're asking a question shows that you're like, hmm,

852
00:39:58,680 --> 00:40:01,480
Speaker 3: there must be more, and they're is. Investment doesn't have

853
00:40:01,520 --> 00:40:04,319
Speaker 3: to be overly complicated. I just think when diversit FYND

854
00:40:04,360 --> 00:40:06,600
Speaker 3: doesn't mean you have to buy individual stocks.

855
00:40:06,680 --> 00:40:09,799
Speaker 1: I'm glad that you're not. I know some people do,

856
00:40:09,880 --> 00:40:11,399
Speaker 1: but for the average.

857
00:40:11,040 --> 00:40:14,280
Speaker 3: Person, I just don't think that's a good investment strategy

858
00:40:14,280 --> 00:40:15,400
Speaker 3: if you're not going to be able to keep up

859
00:40:15,440 --> 00:40:15,600
Speaker 3: with it.

860
00:40:15,640 --> 00:40:17,319
Speaker 1: So you're you're on the right road. You just got

861
00:40:17,360 --> 00:40:18,239
Speaker 1: to add a little bit more.

862
00:40:19,160 --> 00:40:20,760
Speaker 2: And the one thing I'll say is like a target

863
00:40:20,840 --> 00:40:23,160
Speaker 2: date fund, we talked about that on the investing episode,

864
00:40:23,280 --> 00:40:25,320
Speaker 2: they're a little bit different. So a target date fund

865
00:40:25,480 --> 00:40:30,760
Speaker 2: is like at all in one a well balanced meal. Essentially,

866
00:40:31,480 --> 00:40:33,960
Speaker 2: a target date fund is like a It's when you

867
00:40:34,360 --> 00:40:36,839
Speaker 2: pick a fund based on your retirement age. So you

868
00:40:36,880 --> 00:40:39,200
Speaker 2: say I'm going to retire about the year twenty fifty five.

869
00:40:39,239 --> 00:40:41,239
Speaker 2: So I'm going to pick the you know, target date

870
00:40:41,280 --> 00:40:43,880
Speaker 2: fund twenty fifty five that's offered by Fidelity. All the

871
00:40:43,920 --> 00:40:46,839
Speaker 2: different all the big brokerage firms have their own version

872
00:40:46,880 --> 00:40:49,319
Speaker 2: of target date funds. And then a target ding fund

873
00:40:49,360 --> 00:40:51,400
Speaker 2: actually is already balanced for you don't need to have

874
00:40:51,480 --> 00:40:54,040
Speaker 2: multiple target date funds to have a balanced portfolio. They

875
00:40:54,080 --> 00:40:57,120
Speaker 2: have they It's consists of a bunch of different mutual

876
00:40:57,120 --> 00:41:00,200
Speaker 2: funds that are diversified according to your age. So the

877
00:41:00,239 --> 00:41:02,719
Speaker 2: same math that Tiffany did just now is kind of

878
00:41:02,760 --> 00:41:05,400
Speaker 2: done for you. And then over time that the target

879
00:41:05,440 --> 00:41:10,640
Speaker 2: date fund will automatically balance, remalance, reallocate stocks and bonds

880
00:41:10,680 --> 00:41:13,440
Speaker 2: as you get older. And I'm telling you if little

881
00:41:13,920 --> 00:41:16,320
Speaker 2: know nothing, twenty three year old Mandy Woodroff, I just

882
00:41:16,400 --> 00:41:19,560
Speaker 2: checked the same Vanguard for one K that I opened

883
00:41:19,560 --> 00:41:22,960
Speaker 2: when I was twenty two, hadn't I hadn't contributed anything

884
00:41:22,960 --> 00:41:25,920
Speaker 2: to it since twenty sixteen. In the last three years alone,

885
00:41:25,960 --> 00:41:30,640
Speaker 2: I've gained fifteen sixteen thousand dollars just nothing, doing nothing,

886
00:41:30,920 --> 00:41:33,160
Speaker 2: just enjoying my life with the target date fund that

887
00:41:33,200 --> 00:41:35,200
Speaker 2: I opened when I was twenty three. And I'm just

888
00:41:35,239 --> 00:41:39,799
Speaker 2: like God, bless that little dummy who took it, who

889
00:41:39,880 --> 00:41:42,920
Speaker 2: just opened a random account, you know, her first job.

890
00:41:43,080 --> 00:41:44,759
Speaker 2: And I'm like, thank god because I had no idea

891
00:41:44,800 --> 00:41:47,319
Speaker 2: what I was doing, And you don't need to necessarily.

892
00:41:47,360 --> 00:41:50,240
Speaker 2: It's just a matter of, like Tiffany said, just get

893
00:41:50,400 --> 00:41:53,399
Speaker 2: getting started at all, exactly, getting in the game. Yeah,

894
00:41:53,400 --> 00:41:55,440
Speaker 2: and then you find tune your knowledge over time. You know,

895
00:41:55,480 --> 00:41:58,520
Speaker 2: it's it's just like you're doing right now. So thank

896
00:41:58,560 --> 00:42:04,319
Speaker 2: you for your question. Ashley on Instagram. Well let's see

897
00:42:04,320 --> 00:42:06,400
Speaker 2: if you have time for one more. Yeah, I think so,

898
00:42:07,160 --> 00:42:09,440
Speaker 2: let's see. Oh someone actually wanted to say thank you.

899
00:42:09,440 --> 00:42:12,800
Speaker 2: Tiffany Crystal on Instagram says, thank you for sharing or

900
00:42:12,880 --> 00:42:14,440
Speaker 2: recommending the four Hour Workweek.

901
00:42:15,160 --> 00:42:15,399
Speaker 1: Oh.

902
00:42:16,160 --> 00:42:18,680
Speaker 3: Yes, it's a great book. Honestly, if you're not reading it,

903
00:42:18,800 --> 00:42:21,680
Speaker 3: yes should. It's just a great book for even if

904
00:42:21,719 --> 00:42:24,160
Speaker 3: you're you know, you're you're happy with your job and

905
00:42:24,200 --> 00:42:27,400
Speaker 3: you're you know, you're not looking to start you know,

906
00:42:27,520 --> 00:42:30,520
Speaker 3: not looking to start a business. It's just really to me,

907
00:42:30,640 --> 00:42:34,120
Speaker 3: it's a great book for productivity, whether you're an entrepreneur

908
00:42:34,400 --> 00:42:36,239
Speaker 3: or you have a regular like you know, nine to

909
00:42:36,280 --> 00:42:37,120
Speaker 3: five job or whatever.

910
00:42:37,200 --> 00:42:38,320
Speaker 1: So it's just a great book.

911
00:42:39,520 --> 00:42:41,359
Speaker 2: I need to That's one of the books I've never read,

912
00:42:41,400 --> 00:42:45,760
Speaker 2: and I'm just like, I need to read it. I'm

913
00:42:45,800 --> 00:42:49,840
Speaker 2: not living my best life. Okay, last question another another

914
00:42:49,960 --> 00:42:52,879
Speaker 2: investing excuse me, another investing question. I know you've heard

915
00:42:52,880 --> 00:42:55,880
Speaker 2: of this company. Tiff very simple at Monet on Instagram

916
00:42:55,920 --> 00:42:58,319
Speaker 2: wants to know have you guys heard of Elavest and

917
00:42:58,440 --> 00:43:01,760
Speaker 2: what do you think about it? Yes?

918
00:43:02,239 --> 00:43:08,200
Speaker 1: I have heard of elves. I I like Elvest. Here's why.

919
00:43:08,960 --> 00:43:12,720
Speaker 3: So el Best is uh, don't get me the line,

920
00:43:12,800 --> 00:43:13,399
Speaker 3: I guess is it?

921
00:43:13,480 --> 00:43:15,120
Speaker 1: What do it we called a brokerage firm? Is that

922
00:43:15,160 --> 00:43:15,680
Speaker 1: what they call it?

923
00:43:15,760 --> 00:43:18,319
Speaker 2: Let me say, like what the technical advisory?

924
00:43:18,960 --> 00:43:21,920
Speaker 3: Yeah, so there's a bunch of just like like for example,

925
00:43:21,920 --> 00:43:23,920
Speaker 3: there's like better Man. You guys have probably heard of

926
00:43:24,239 --> 00:43:27,760
Speaker 3: wealth fronts. Those are some of the most popular ones.

927
00:43:29,080 --> 00:43:32,920
Speaker 3: But the reason why I like el Best is there

928
00:43:32,960 --> 00:43:36,000
Speaker 3: similar to to the you know, to the rest of

929
00:43:36,000 --> 00:43:38,680
Speaker 3: those kind of funds as far as fees are concerned.

930
00:43:38,719 --> 00:43:40,520
Speaker 3: But what I do like about it is that one

931
00:43:41,400 --> 00:43:44,680
Speaker 3: that they have funds that you can invest in that

932
00:43:44,880 --> 00:43:46,960
Speaker 3: are tied to your social mission.

933
00:43:47,719 --> 00:43:49,600
Speaker 1: So like you can be like, huh, I.

934
00:43:49,560 --> 00:43:51,800
Speaker 3: Want to invest my money, but I really want to

935
00:43:51,800 --> 00:43:53,600
Speaker 3: be like socially conscious about it, so you could choose

936
00:43:53,600 --> 00:43:56,319
Speaker 3: funds based upon helping women, helping kids, helping you know,

937
00:43:56,360 --> 00:43:59,480
Speaker 3: helping babies, helping dogs, whatever. So that's one, but two,

938
00:43:59,600 --> 00:44:03,440
Speaker 3: probably my favorite part about Elvis is that most of

939
00:44:03,480 --> 00:44:08,359
Speaker 3: these most of these robo investing kind of companies, they

940
00:44:09,480 --> 00:44:11,759
Speaker 3: their template is a man.

941
00:44:12,280 --> 00:44:15,319
Speaker 1: So I'll give you example. So I am brown and

942
00:44:15,360 --> 00:44:16,760
Speaker 1: my skin is like super chocolate.

943
00:44:17,040 --> 00:44:20,040
Speaker 3: So when I buy pantyholes and it says nude, the

944
00:44:20,080 --> 00:44:21,520
Speaker 3: template is not my skin color.

945
00:44:21,880 --> 00:44:24,400
Speaker 1: So it's like, okay, girl.

946
00:44:24,239 --> 00:44:26,799
Speaker 3: I guess you know, so when I'm looking for nude, like,

947
00:44:26,880 --> 00:44:29,120
Speaker 3: I'm probably not going to find my skin color. But

948
00:44:29,680 --> 00:44:31,799
Speaker 3: so it's like similar in investing in that, Like the

949
00:44:31,840 --> 00:44:34,080
Speaker 3: template that they're using is not really for women. And

950
00:44:34,120 --> 00:44:37,040
Speaker 3: why does that matter? Because one women tend to live longer.

951
00:44:37,360 --> 00:44:39,600
Speaker 3: Two women make less than men. We all know about

952
00:44:39,600 --> 00:44:43,160
Speaker 3: the pay gap. Three women sometimes will work less than

953
00:44:43,200 --> 00:44:46,239
Speaker 3: men over their lifetimes because if you stop to have children,

954
00:44:46,480 --> 00:44:48,880
Speaker 3: you know, let's just say you have two kids, and

955
00:44:48,960 --> 00:44:52,000
Speaker 3: that puts you out at least two years, maybe up

956
00:44:52,040 --> 00:44:53,799
Speaker 3: to five ten years out of your life out of

957
00:44:53,800 --> 00:44:57,200
Speaker 3: the workforce. So l of US takes all that into

958
00:44:57,239 --> 00:45:01,520
Speaker 3: consideration because the current kind of templet to say, hey,

959
00:45:01,680 --> 00:45:03,600
Speaker 3: if you put aside this amount of money, by the

960
00:45:03,600 --> 00:45:05,640
Speaker 3: time you're ready to retire, there should be enough to

961
00:45:06,320 --> 00:45:09,760
Speaker 3: should be enough to keep your lifestyle going. That template

962
00:45:09,760 --> 00:45:12,960
Speaker 3: doesn't work for women because our situation and circumstances are

963
00:45:12,960 --> 00:45:13,680
Speaker 3: different than men.

964
00:45:14,000 --> 00:45:14,800
Speaker 1: So all of us.

965
00:45:14,640 --> 00:45:19,040
Speaker 3: Has created their own template to suit to fit the

966
00:45:19,080 --> 00:45:22,319
Speaker 3: way a woman's life plays out. And so that's that's

967
00:45:22,360 --> 00:45:26,200
Speaker 3: probably the biggest part that I really like about about them.

968
00:45:26,320 --> 00:45:27,239
Speaker 1: Yeah, I work with them a lot.

969
00:45:27,280 --> 00:45:29,280
Speaker 3: They're not the only kind of like robo advice company

970
00:45:29,280 --> 00:45:32,839
Speaker 3: I've suggested, but I I've worked with them a lot,

971
00:45:32,880 --> 00:45:35,719
Speaker 3: and I've got really like, you know, they really they

972
00:45:35,760 --> 00:45:38,719
Speaker 3: really try to figure out what life is, what life

973
00:45:38,880 --> 00:45:41,239
Speaker 3: you want to live and lead.

974
00:45:41,280 --> 00:45:43,359
Speaker 1: They have a really great survey when you first kind

975
00:45:43,360 --> 00:45:43,680
Speaker 1: of like.

976
00:45:43,760 --> 00:45:48,959
Speaker 3: Enter and really aligning your finances with that life goal.

977
00:45:49,120 --> 00:45:53,520
Speaker 3: So yeah, I mean there's a ton of great robo advisors.

978
00:45:53,560 --> 00:45:55,160
Speaker 3: They're just one of them, but they're one that I

979
00:45:55,280 --> 00:45:56,919
Speaker 3: that I that I like and that I use.

980
00:45:58,120 --> 00:46:00,560
Speaker 2: Yeah, And the whole benefit of robode Or is that

981
00:46:00,600 --> 00:46:03,680
Speaker 2: because they're you know, they're automating your savings and they

982
00:46:03,680 --> 00:46:05,720
Speaker 2: don't need you don't need a bunch of money managers

983
00:46:05,760 --> 00:46:08,239
Speaker 2: sitting around a mahogany table. Is that they just cost

984
00:46:08,320 --> 00:46:10,799
Speaker 2: less over time. They do cost a little bit more

985
00:46:10,840 --> 00:46:12,919
Speaker 2: than just you know, going to Vanguard and getting your

986
00:46:13,080 --> 00:46:16,920
Speaker 2: you know, basic target date fund for sure. But at

987
00:46:16,920 --> 00:46:20,160
Speaker 2: the same time they do, you know, have a they

988
00:46:20,239 --> 00:46:23,560
Speaker 2: have I don't know, a more like a more like

989
00:46:23,680 --> 00:46:26,359
Speaker 2: hand holding kind of approach to get conto years. Yes,

990
00:46:27,320 --> 00:46:29,680
Speaker 2: approaching kind of like what the last listener actually might

991
00:46:29,680 --> 00:46:32,200
Speaker 2: be looking, might might be missing from Fidelity. Is all

992
00:46:32,200 --> 00:46:35,400
Speaker 2: they have is the portfolio tool kind of thing. Eleves

993
00:46:35,520 --> 00:46:37,719
Speaker 2: better meant wealth front. They they do help you get

994
00:46:37,719 --> 00:46:40,680
Speaker 2: started and they have they have the funds that they

995
00:46:40,680 --> 00:46:43,160
Speaker 2: put you in the portfolio as they give you are

996
00:46:43,600 --> 00:46:46,279
Speaker 2: diversified for you so you don't have to do all

997
00:46:46,280 --> 00:46:47,120
Speaker 2: the thinking.

998
00:46:47,320 --> 00:46:49,720
Speaker 1: And if you're if you're really interested, So I actually,

999
00:46:49,760 --> 00:46:52,759
Speaker 1: what's this last year? Because they approached me last year

1000
00:46:52,800 --> 00:46:54,759
Speaker 1: and I was like, they were like, we love you,

1001
00:46:54,800 --> 00:46:57,960
Speaker 1: shall share all this. I was like, I'd love you

1002
00:46:58,000 --> 00:46:58,840
Speaker 1: to educate people.

1003
00:46:59,320 --> 00:47:02,200
Speaker 3: So what I did was, I was like, if you

1004
00:47:02,200 --> 00:47:04,359
Speaker 3: want me to share it, one, I have to use

1005
00:47:04,400 --> 00:47:06,640
Speaker 3: it because you know, I don't like to because like

1006
00:47:06,680 --> 00:47:08,000
Speaker 3: what if it sucks, and then I share it with

1007
00:47:08,000 --> 00:47:10,719
Speaker 3: people and then two I made them not well, I mean,

1008
00:47:10,760 --> 00:47:12,839
Speaker 3: it wasn't really like a heavy twist because they were

1009
00:47:12,840 --> 00:47:15,719
Speaker 3: open to it, which I liked that. I asked if

1010
00:47:15,719 --> 00:47:18,800
Speaker 3: they would do a free class to step by step

1011
00:47:18,920 --> 00:47:21,880
Speaker 3: show you how to begin investing on your own in

1012
00:47:21,920 --> 00:47:24,040
Speaker 3: this way, and so they said yes, And so I

1013
00:47:24,040 --> 00:47:27,800
Speaker 3: actually sat down with the CEO, Sally Crawcheck. She was

1014
00:47:27,840 --> 00:47:31,040
Speaker 3: really awesome, and we did a five day course. It's

1015
00:47:31,080 --> 00:47:36,239
Speaker 3: totally free, but it walks you through very the very

1016
00:47:36,280 --> 00:47:39,439
Speaker 3: beginning stages of investing and uses labus as a tool.

1017
00:47:39,719 --> 00:47:41,400
Speaker 1: And so if you're interested in that free class, it

1018
00:47:41,520 --> 00:47:43,120
Speaker 1: is invest like women.

1019
00:47:43,200 --> 00:47:44,960
Speaker 3: Let me make sure it's been a while since I've said,

1020
00:47:46,280 --> 00:47:48,400
Speaker 3: and Ben, have you've ever done any of my liberature challenges?

1021
00:47:48,400 --> 00:47:49,959
Speaker 1: It's very similar invest.

1022
00:47:50,239 --> 00:47:53,279
Speaker 3: Like, like I just want to make sure women dot

1023
00:47:53,320 --> 00:47:56,799
Speaker 3: com and yeah, so that way, if you're interested, you

1024
00:47:56,840 --> 00:48:00,960
Speaker 3: could take the classes totally free and yeah, that's like

1025
00:48:01,000 --> 00:48:04,840
Speaker 3: women dot com like women not women m etan and

1026
00:48:04,920 --> 00:48:06,400
Speaker 3: you could take the class. It's like I think, like

1027
00:48:06,400 --> 00:48:08,520
Speaker 3: I said, it's like five or six days, but it'll

1028
00:48:08,520 --> 00:48:10,480
Speaker 3: really go into depth about like oh, that's how the

1029
00:48:10,520 --> 00:48:13,080
Speaker 3: tool works. This is how just in general, when you're

1030
00:48:13,080 --> 00:48:15,520
Speaker 3: starting to invest, why you need to what if diversification

1031
00:48:15,600 --> 00:48:18,680
Speaker 3: looks like like I really made them like go deep

1032
00:48:19,000 --> 00:48:22,799
Speaker 3: definitions homework, like I went through it so you'll see

1033
00:48:22,800 --> 00:48:25,319
Speaker 3: me like it's not just like, oh, it's just some

1034
00:48:25,480 --> 00:48:26,240
Speaker 3: rando class.

1035
00:48:26,239 --> 00:48:28,319
Speaker 1: No. I went to Elves. We taped it.

1036
00:48:28,719 --> 00:48:30,279
Speaker 3: I asked a ton of questions because I'm not I

1037
00:48:30,280 --> 00:48:33,200
Speaker 3: don't consider myself some savvy investor quite honestly, and so

1038
00:48:33,440 --> 00:48:35,680
Speaker 3: I made sure that I was you in a situation

1039
00:48:35,760 --> 00:48:36,520
Speaker 3: like but what does that mean?

1040
00:48:36,840 --> 00:48:38,400
Speaker 1: Why should we do that? And so all of that

1041
00:48:38,480 --> 00:48:40,640
Speaker 1: is included. And so yeah, it's something that I'm proud of.

1042
00:48:40,680 --> 00:48:42,680
Speaker 3: And it's completely free you because y'all know I like

1043
00:48:42,719 --> 00:48:44,560
Speaker 3: to do stuff for free as much as I can.

1044
00:48:45,000 --> 00:48:47,520
Speaker 2: Cool. I'm not sure that link in the show notes,

1045
00:48:47,560 --> 00:48:49,160
Speaker 2: so you guys can check it out.

1046
00:48:50,080 --> 00:48:51,560
Speaker 1: Yes, great question.

1047
00:48:51,760 --> 00:48:53,759
Speaker 2: I feel like we should do another investing episode.

1048
00:48:54,760 --> 00:48:57,719
Speaker 3: We should, I think so I think we should do

1049
00:48:58,920 --> 00:49:01,920
Speaker 3: I feel like investing, but maybe like in a different way.

1050
00:49:01,960 --> 00:49:03,560
Speaker 1: I'm trying to think of, like what like.

1051
00:49:03,560 --> 00:49:07,279
Speaker 3: You know, versus retirement, maybe we do real estate investing.

1052
00:49:07,719 --> 00:49:09,640
Speaker 1: If you don't really like to, let's ask b A.

1053
00:49:09,719 --> 00:49:12,560
Speaker 3: Listeners, what kind of investing are you super interested in

1054
00:49:12,640 --> 00:49:14,680
Speaker 3: learning more about? We can find an expert to come

1055
00:49:14,719 --> 00:49:15,600
Speaker 3: and chat with y'all.

1056
00:49:15,760 --> 00:49:17,880
Speaker 2: Do we care about what they want? Though, let's be

1057
00:49:18,239 --> 00:49:23,120
Speaker 2: just kidding. Please tell us tell us what you want.

1058
00:49:23,440 --> 00:49:28,120
Speaker 2: We can actually request request your ideal show like, what

1059
00:49:28,160 --> 00:49:29,480
Speaker 2: would you love to hear us?

1060
00:49:29,520 --> 00:49:29,600
Speaker 4: Do?

1061
00:49:30,040 --> 00:49:32,040
Speaker 2: We're friends now, we've been doing this for four years.

1062
00:49:32,040 --> 00:49:35,640
Speaker 2: You can be honest with us, whether it's investing or whatnot.

1063
00:49:35,920 --> 00:49:38,640
Speaker 2: That would be super helpful. Hit us up at Brandimission

1064
00:49:38,680 --> 00:49:42,600
Speaker 2: Podcast at gmail dot com or go to Brandabisson podcast

1065
00:49:42,640 --> 00:49:45,280
Speaker 2: dot com and hit ask us anything. You can also,

1066
00:49:45,360 --> 00:49:48,439
Speaker 2: of course dm me on the gram. We're at Brand

1067
00:49:48,520 --> 00:49:51,360
Speaker 2: Ambisson Podcast on Instagram because that's where every one of

1068
00:49:51,360 --> 00:49:54,759
Speaker 2: their mama's at now. And that's fine, totally fine for

1069
00:49:54,800 --> 00:49:56,800
Speaker 2: the old school folks. We're also on Twitter and Facebook.

1070
00:49:56,840 --> 00:50:00,719
Speaker 2: You can find us if we're all we're just like overexposed.

1071
00:50:00,760 --> 00:50:03,000
Speaker 2: That's what we ad No, that's good.

1072
00:50:19,719 --> 00:50:23,080
Speaker 1: And now it's time for booster break for all the family.

1073
00:50:23,760 --> 00:50:26,400
Speaker 1: Will you boost? Will you break? What will you do?

1074
00:50:26,480 --> 00:50:27,560
Speaker 1: Mandy that.

1075
00:50:30,200 --> 00:50:31,880
Speaker 3: I'm sure I said that before, but I'm like, for

1076
00:50:31,920 --> 00:50:33,600
Speaker 3: some reason and I don't like to break it like

1077
00:50:33,600 --> 00:50:35,520
Speaker 3: because in the middle, I'm like, oh my gosh, it's

1078
00:50:35,560 --> 00:50:38,840
Speaker 3: going really good. Don't mess it up, Tiffany complete the rhyme.

1079
00:50:39,440 --> 00:50:41,480
Speaker 3: So I feel really good about myself.

1080
00:50:41,640 --> 00:50:45,880
Speaker 2: I mean that was like some epic brandn a mission freestyling.

1081
00:50:46,239 --> 00:50:47,880
Speaker 1: Are you gonna booster? Are you gonna have burnie?

1082
00:50:47,880 --> 00:50:50,440
Speaker 2: I'm gonna boost today. I gotta be sporty spice today.

1083
00:50:50,800 --> 00:50:53,800
Speaker 2: And I have to boost first of all women's US

1084
00:50:53,840 --> 00:50:56,400
Speaker 2: soccer team for winning the freaking second World Cup in

1085
00:50:56,440 --> 00:50:58,960
Speaker 2: a row. Yes, it was the only soccer game I

1086
00:50:58,960 --> 00:51:01,720
Speaker 2: have watched in total in like ever in my life. However,

1087
00:51:02,160 --> 00:51:06,120
Speaker 2: I support them and it was amazing, So go US soccer.

1088
00:51:06,160 --> 00:51:09,400
Speaker 2: And then also did you watch did you watch Wimbledon

1089
00:51:09,480 --> 00:51:15,960
Speaker 2: that fifteen year old tennis star Cocaine? Yes, she was

1090
00:51:16,000 --> 00:51:18,600
Speaker 2: like amazing. She got to she beat Venus Williams. She

1091
00:51:18,680 --> 00:51:20,920
Speaker 2: made it to like almost to the fourth round of

1092
00:51:20,920 --> 00:51:23,440
Speaker 2: Wimbledon or something like that. She got knocked out. But

1093
00:51:23,600 --> 00:51:26,160
Speaker 2: she was on CBS this morning talking to my girl Gail,

1094
00:51:26,320 --> 00:51:28,279
Speaker 2: and it was such a cute interview and she is

1095
00:51:28,320 --> 00:51:30,719
Speaker 2: so I just can't I can never believe when like

1096
00:51:30,760 --> 00:51:34,239
Speaker 2: teenagers are so poised and eloquent and talented because I

1097
00:51:34,400 --> 00:51:36,640
Speaker 2: was not any of those things when I was fifteen,

1098
00:51:37,680 --> 00:51:40,080
Speaker 2: and it was just I don't know, just beautiful brown

1099
00:51:40,080 --> 00:51:42,520
Speaker 2: girl magic all over the place. And it's nice to

1100
00:51:42,600 --> 00:51:45,960
Speaker 2: know that once Serena and Venus retire, you know, to

1101
00:51:46,000 --> 00:51:48,919
Speaker 2: be billionaire icons, then we'll have the next generation coming

1102
00:51:49,000 --> 00:51:51,160
Speaker 2: up right behind you.

1103
00:51:51,200 --> 00:51:55,160
Speaker 1: Now that is excellent. Well, I.

1104
00:51:56,760 --> 00:51:59,640
Speaker 3: You know what, we should do a past the boost

1105
00:51:59,640 --> 00:52:02,680
Speaker 3: past the break, Like if you guys have a boost

1106
00:52:02,680 --> 00:52:04,880
Speaker 3: of break. This is just it just kind of hit me, like,

1107
00:52:04,960 --> 00:52:06,840
Speaker 3: if you guys have a really dope boost to break,

1108
00:52:07,120 --> 00:52:08,640
Speaker 3: send us semessage on IG.

1109
00:52:09,920 --> 00:52:11,960
Speaker 1: Or an email, because I would love.

1110
00:52:11,840 --> 00:52:14,160
Speaker 3: To be like, you know what, I'm actually going to

1111
00:52:15,360 --> 00:52:17,160
Speaker 3: like one of my favorite podcasts they do like past

1112
00:52:17,200 --> 00:52:18,560
Speaker 3: the Read, and I'm like, you know what, we can

1113
00:52:18,560 --> 00:52:20,080
Speaker 3: pass the boost past the break because I'd love to

1114
00:52:20,080 --> 00:52:21,880
Speaker 3: see what you guys are boosting and breaking.

1115
00:52:22,200 --> 00:52:23,600
Speaker 1: This is just that was just a little.

1116
00:52:23,680 --> 00:52:27,280
Speaker 3: A little aside, a little sound something. Well, I'm actually

1117
00:52:27,320 --> 00:52:30,880
Speaker 3: going to you know what, I think I'm going to

1118
00:52:31,000 --> 00:52:35,839
Speaker 3: boost and I'm going to boost essence fest.

1119
00:52:35,880 --> 00:52:36,400
Speaker 1: I had something else.

1120
00:52:36,440 --> 00:52:37,600
Speaker 3: I was going to do, a sport one, like a

1121
00:52:37,600 --> 00:52:40,399
Speaker 3: Serena one, well not Wimbledon, but like you know, her match.

1122
00:52:40,480 --> 00:52:42,920
Speaker 3: But since we already did sports, I want to boost

1123
00:52:43,080 --> 00:52:45,640
Speaker 3: Essence Fest because this is my fourth year, and I

1124
00:52:45,640 --> 00:52:48,920
Speaker 3: have to say, it was so great to see so

1125
00:52:49,080 --> 00:52:51,279
Speaker 3: many like it. Like I said, for the first time,

1126
00:52:51,320 --> 00:52:52,839
Speaker 3: I was actually able to get on the front end

1127
00:52:52,880 --> 00:52:54,480
Speaker 3: of it, and it was so great to see how

1128
00:52:54,520 --> 00:52:57,400
Speaker 3: many entrepreneurs were one that I knew, which was awesome.

1129
00:52:57,960 --> 00:53:00,800
Speaker 3: But it's just such a great showcase for like young

1130
00:53:01,200 --> 00:53:04,319
Speaker 3: or new or even established entrepreneurs to kind of show

1131
00:53:04,360 --> 00:53:07,160
Speaker 3: their wares, which is dope. You know, the city gets

1132
00:53:07,239 --> 00:53:10,400
Speaker 3: like hundreds of millions of dollars flooded into it, and

1133
00:53:10,400 --> 00:53:13,360
Speaker 3: I was sinking to myself if if it wasn't for

1134
00:53:13,600 --> 00:53:15,400
Speaker 3: not just Essence Fest, but like you know, all of

1135
00:53:15,400 --> 00:53:17,120
Speaker 3: these great festivals that come to New Orleans.

1136
00:53:17,160 --> 00:53:18,520
Speaker 1: I wonder where it would.

1137
00:53:18,280 --> 00:53:24,920
Speaker 3: Be now, you know, post post you know, for post hurricane.

1138
00:53:25,040 --> 00:53:25,480
Speaker 1: I don't know.

1139
00:53:25,640 --> 00:53:28,359
Speaker 3: Essence is just like a family reunion. You get to

1140
00:53:28,400 --> 00:53:32,200
Speaker 3: see like every shape and size of an age of

1141
00:53:32,280 --> 00:53:35,279
Speaker 3: women and everyone is just like, I don't know, it

1142
00:53:35,320 --> 00:53:37,279
Speaker 3: was just such a you walk into a place and

1143
00:53:37,320 --> 00:53:39,160
Speaker 3: you just feel at home, and it was just like

1144
00:53:39,200 --> 00:53:41,680
Speaker 3: such great energy and so just a boost because I

1145
00:53:41,680 --> 00:53:43,640
Speaker 3: can't imagine what it takes.

1146
00:53:43,400 --> 00:53:44,480
Speaker 1: To put it on.

1147
00:53:44,280 --> 00:53:47,760
Speaker 3: One of Drina my publicists and my bestie her clients,

1148
00:53:47,760 --> 00:53:49,520
Speaker 3: her name is Gina, and Gina is one of the

1149
00:53:49,520 --> 00:53:52,960
Speaker 3: executive producers of Essence Fest and the insane amount of

1150
00:53:52,960 --> 00:53:54,440
Speaker 3: work that she has to do. So there's just so

1151
00:53:54,520 --> 00:53:56,719
Speaker 3: much work that goes into it, and you know, I

1152
00:53:56,760 --> 00:53:57,800
Speaker 3: don't take that for granted.

1153
00:53:57,840 --> 00:54:00,520
Speaker 1: And it just runs. Although on the outside it looks

1154
00:54:00,560 --> 00:54:01,480
Speaker 1: like everyone so smoothly.

1155
00:54:01,560 --> 00:54:05,319
Speaker 3: Behind the scenes, everyone's like ah, you know, and so

1156
00:54:05,360 --> 00:54:07,080
Speaker 3: that to get to go behind the scenes and kind

1157
00:54:07,080 --> 00:54:08,640
Speaker 3: of see all that it takes. I just want to

1158
00:54:08,640 --> 00:54:11,000
Speaker 3: commend everyone that does it, and just every year, because

1159
00:54:11,040 --> 00:54:14,120
Speaker 3: this year was there was it the twenty fifth anniversary,

1160
00:54:14,160 --> 00:54:17,440
Speaker 3: I believe, and so yeah, just more to come, you know,

1161
00:54:17,560 --> 00:54:20,799
Speaker 3: They're just Essence is killing it and now Essence is

1162
00:54:20,800 --> 00:54:24,600
Speaker 3: fully black owned, which is nice. So yeah, that's that's

1163
00:54:24,640 --> 00:54:25,160
Speaker 3: my boost.

1164
00:54:25,320 --> 00:54:31,000
Speaker 2: Essence Fast, beautiful. I gotta get to New Orleans maybe

1165
00:54:31,000 --> 00:54:38,120
Speaker 2: in the winter though, yes, thanks, yes, all right, all right, guys,

1166
00:54:38,160 --> 00:54:41,640
Speaker 2: Well that's the show. Thank you for listening. Don't forget

1167
00:54:41,800 --> 00:54:45,319
Speaker 2: hit up Twitter this evening on Wednesday evening after the

1168
00:54:45,320 --> 00:54:47,800
Speaker 2: show airs and please retweet me. Let's see if I

1169
00:54:47,800 --> 00:54:50,440
Speaker 2: can get my nine hundred dollars back, we're doing it,

1170
00:54:50,480 --> 00:54:53,600
Speaker 2: doing it to be without a dishwasher. My marriage may

1171
00:54:53,640 --> 00:54:58,600
Speaker 2: not survive. I'm just gonna be honest, who's this okay?

1172
00:54:58,800 --> 00:55:01,520
Speaker 2: It's not a happy household. I can't, I cannot. All

1173
00:55:01,600 --> 00:55:04,239
Speaker 2: right until next week, Bye y'all.