WEBVTT - Son of a Breach 0:00:16.600 --> 0:00:22.279 Hey, hey, Hey, do I sound cheerful? Okay, definitely didn't 0:00:22.320 --> 0:00:23.120 have a cheerful day. 0:00:23.680 --> 0:00:25.520 Oh man, Well. 0:00:25.400 --> 0:00:27.800 It wasn't bad. I mean, you know how you just 0:00:27.800 --> 0:00:29.800 have one of those days and then finally you tell yourself, 0:00:29.800 --> 0:00:31.280 you look in the mirror and you say, hey, you 0:00:31.840 --> 0:00:35.320 snap out of it. You're alive and you can deal. 0:00:35.440 --> 0:00:37.879 And so I just had that moment a couple of 0:00:37.880 --> 0:00:39.680 hours ago because I knew I was taken tonight and 0:00:39.720 --> 0:00:41.600 I was like, no, you're gonna bring great energy to 0:00:42.360 --> 0:00:44.640 broad Ambition, and so here I am. I feel way better. 0:00:44.760 --> 0:00:47.440 I took a nice little nap. It was just business stuff. 0:00:47.440 --> 0:00:49.239 You know, when everything like falls apart and you're like, 0:00:49.320 --> 0:00:50.640 I hate everybody. I quit. 0:00:50.680 --> 0:00:53.400 I quit. Oh yeah, let's call it take a walk. 0:00:53.720 --> 0:00:55.440 It's called take a walk or take a nap. 0:00:55.920 --> 0:00:58.480 Yes. I woke up from the nap still feeling like. 0:00:58.880 --> 0:01:01.680 My friend called me. He was like I was complaining. 0:01:01.720 --> 0:01:03.160 He was like, ooh, you sound like you need a nap. 0:01:03.200 --> 0:01:04.679 I'm like, I'm literally in bed. I just woke up 0:01:04.680 --> 0:01:06.160 from a nap. He was like, go back to it. 0:01:06.240 --> 0:01:10.080 Now, You've done that nap long enough. 0:01:10.360 --> 0:01:13.080 I go right, like clearly, but you know what it 0:01:13.120 --> 0:01:16.560 was just I'm realizing that I just was feeling overwhelmed 0:01:16.680 --> 0:01:19.080 because it was just I'm used to maybe like two 0:01:19.120 --> 0:01:20.880 or three things like oh this, you know, we got 0:01:20.880 --> 0:01:23.400 to fix this and tweak this, but it was literally like, oh, 0:01:23.680 --> 0:01:27.679 all ten, all ten things are broken and so yeah. 0:01:27.720 --> 0:01:31.280 But honestly though, it was good because I realized, like 0:01:31.480 --> 0:01:36.120 one that there's I'm not super systematic, so it forced 0:01:36.120 --> 0:01:38.080 me to put some systems in place so that way 0:01:38.120 --> 0:01:40.600 the people that I've hired can be more proactive because 0:01:40.600 --> 0:01:43.520 they're already awesome, but they can't do in something unless 0:01:43.840 --> 0:01:45.720 you know, I show them how at least the first time, 0:01:45.760 --> 0:01:48.680 you know, right, Yeah, yeah, So it made me do that, 0:01:48.880 --> 0:01:51.640 so I felt so much better about it now. Yeah. 0:01:51.680 --> 0:01:53.720 It's it's like when you get in those moments, because 0:01:53.760 --> 0:01:56.040 I've I think we've all like had those moments where 0:01:56.320 --> 0:01:59.120 you like either something goes wrong or it's like even 0:01:59.160 --> 0:02:01.360 just too many little things are going wrong and or 0:02:01.400 --> 0:02:03.680 too many people are like asking you questions and wanting 0:02:03.720 --> 0:02:06.840 answers from you, and you like get overwhelmed. I feel 0:02:06.840 --> 0:02:10.679 like lately I've been I've been forcing myself to go 0:02:10.760 --> 0:02:14.960 on like twenty minute walks around my office, and that's 0:02:15.000 --> 0:02:18.120 helped me, Like it's helped me like have the energy 0:02:18.160 --> 0:02:20.800 to answer people, like like you don't have to respond 0:02:20.800 --> 0:02:23.640 to something right away, like even though someone's if someone's 0:02:23.680 --> 0:02:26.080 like I need an answer right now, like I still 0:02:26.120 --> 0:02:28.360 take like if it's like, there was a serious budget 0:02:28.440 --> 0:02:32.280 question today that came up, and budgets are something I'm 0:02:32.360 --> 0:02:34.600 newly having to deal with, like the cost of everything 0:02:34.600 --> 0:02:37.919 that we produce and like managing and making sure we're 0:02:37.919 --> 0:02:40.280 on budget and then just setting prices for different things 0:02:40.320 --> 0:02:42.679 that we produce and YadA YadA. Anyway, so there was 0:02:43.200 --> 0:02:44.880 a question that came up and I felt like I 0:02:44.880 --> 0:02:46.840 needed it, like they needed an answer right away, but 0:02:46.919 --> 0:02:48.760 I still I was like, Okay, I need to think 0:02:48.800 --> 0:02:51.720 about this. I'm not used to answering this kind of question. 0:02:51.800 --> 0:02:53.799 So I took my little walk and thought about it, 0:02:53.840 --> 0:02:57.120 and I came back like with an idea, like ready 0:02:57.120 --> 0:02:59.400 to sort of talk about it. And it was okay, 0:02:59.520 --> 0:03:02.560 Like no one, nothing got burned down. It was okay, 0:03:02.400 --> 0:03:04.960 they could wait twenty minutes for me to you know, 0:03:05.040 --> 0:03:08.000 have a thought process. But and sometimes when you're in 0:03:08.040 --> 0:03:11.000 an environment where like everyone wants your response right then 0:03:11.040 --> 0:03:12.679 and there, and you have to, like, you know, it 0:03:13.080 --> 0:03:15.399 puts additional pressure. But I feel like when you can 0:03:16.160 --> 0:03:19.000 like stepping back saying I'll get back to you or 0:03:19.000 --> 0:03:21.200 give me some time or something like that, it's okay. 0:03:21.800 --> 0:03:23.640 Yeah, and you know what it is. I also suffer from, 0:03:23.680 --> 0:03:27.239 like us extreme middle child syndrome where I don't like 0:03:27.320 --> 0:03:29.920 for people to be unhappy. So we got like two 0:03:29.960 --> 0:03:32.760 emails from like support because you know, I have my 0:03:32.760 --> 0:03:37.160 literature academy and so two we call our academy members. 0:03:37.280 --> 0:03:40.800 Dream builders emailed me with some with two issues, like hey, 0:03:40.800 --> 0:03:43.280 I reached out to customer support but it wasn't rectified, 0:03:43.320 --> 0:03:46.120 and I'm you know, and we call them spicy, those 0:03:46.280 --> 0:03:48.920 type of emails where it's very clear this person is upset, 0:03:49.240 --> 0:03:51.840 you know. And so I was like, ah, because I'm not, 0:03:52.600 --> 0:03:54.280 you know, I don't do well with Oh my god, 0:03:54.280 --> 0:03:55.840 you're upset with me? How could I fix it? I'm 0:03:55.880 --> 0:03:58.000 sorry here, it's all my money, take my clothes, you know. 0:03:59.000 --> 0:04:01.480 So that's what were the reasons why? And I realized 0:04:01.480 --> 0:04:04.680 I was like, well, Tiffany, so I ended up. But 0:04:04.800 --> 0:04:09.240 honestly it ended up triggering like for me to create 0:04:09.360 --> 0:04:12.080 kind of like a best practices that if this is 0:04:12.120 --> 0:04:14.360 your if you have to email someone a third time 0:04:14.360 --> 0:04:18.240 there's something lost in translation. So I created I think 0:04:18.240 --> 0:04:20.800 it's like ten bucks a month or whatever, where we 0:04:20.880 --> 0:04:23.400 have a conference car line where you can ask that person, Hey, 0:04:23.880 --> 0:04:25.480 you know, I want to make sure I'm helping you, 0:04:25.520 --> 0:04:28.159 and I think the email is not we're losing something 0:04:28.200 --> 0:04:30.479 in email. If you're free today at three, you could 0:04:30.480 --> 0:04:32.320 call into the conference line for free and I can 0:04:32.360 --> 0:04:34.440 work it out. And so it ended up triggering that, 0:04:34.480 --> 0:04:36.200 which is really helpful because I ended up speaking to 0:04:36.240 --> 0:04:38.839 the two women who emailed me and they left like, 0:04:38.880 --> 0:04:41.640 oh my gosh, thanks so much. This was so helpful. 0:04:42.040 --> 0:04:45.480 And because the email, the emails weren't not that they 0:04:45.520 --> 0:04:49.480 weren't clear, but it's clear that they had their problem 0:04:49.640 --> 0:04:53.440 very clearing their head and articulating it via email was 0:04:53.480 --> 0:04:57.520 not as easy. And then the customer support was providing 0:04:57.520 --> 0:05:01.360 a solution and it wasn't articulated as and so you 0:05:01.360 --> 0:05:03.400 know it can cost for frustration. So now we have 0:05:03.480 --> 0:05:06.240 it like email one, you know, you solve the problem. 0:05:06.480 --> 0:05:09.400 Email two. It might escalate to a call depending on 0:05:09.440 --> 0:05:11.640 how angry Email two is, and email too might just 0:05:11.640 --> 0:05:14.960 be further further support. And then email three, definitely a call. 0:05:15.160 --> 0:05:16.840 So now we have like kind of this thing in place. 0:05:16.880 --> 0:05:19.920 So it was good, and I'm I reminded myself that 0:05:19.960 --> 0:05:23.359 you know that it's always good when things go wrong 0:05:23.440 --> 0:05:26.159 early on because it allows you to fix what's already broken. 0:05:26.480 --> 0:05:28.240 Just because I didn't realize it was the issue doesn't 0:05:28.279 --> 0:05:29.320 mean there wasn't one, you know. 0:05:29.720 --> 0:05:33.800 Yeah, totally. It's It's also it's nice to be able 0:05:33.839 --> 0:05:36.400 to It's nice to be the one putting systems in place. 0:05:36.480 --> 0:05:38.320 And like I said, Link I talked with this last week, 0:05:38.400 --> 0:05:41.360 Like when you're starting from scratch and you're building something new, 0:05:41.480 --> 0:05:43.120 or you're working on something new, or you're handling a 0:05:43.120 --> 0:05:44.839 new problem, it's nice to be in a place where 0:05:44.880 --> 0:05:47.120 you can work with people and put something in place 0:05:47.160 --> 0:05:50.320 and you're not like working against a crappy system. Yeah, 0:05:50.839 --> 0:05:56.200 already in place and sometimes like an old fashioned phone call. Yeah, 0:05:56.360 --> 0:05:58.719 working with I mean you work with tons of people remotely. 0:05:58.760 --> 0:06:01.760 I work with probably two and writers across the country, 0:06:01.800 --> 0:06:04.599 different time zones, you know, all types of different people, 0:06:04.640 --> 0:06:06.600 and like I call, I pick up the phone all 0:06:06.640 --> 0:06:09.560 the time because I get tired of I mean literally, 0:06:09.640 --> 0:06:11.920 if I didn't, we would just be communicating in Google 0:06:11.960 --> 0:06:15.760 Dot comments, Slack or email or g chat or whatever 0:06:15.920 --> 0:06:18.560 text message, and it's just sometimes, man, you just got 0:06:18.560 --> 0:06:21.080 to hear someone's voice and they need I think, like 0:06:21.240 --> 0:06:23.720 things get lost in translation, like tone, Like things can 0:06:23.760 --> 0:06:27.080 sound sassier when you're yeah, you know, you know it 0:06:27.120 --> 0:06:29.320 is when you're like, wait, did I am I interpreting 0:06:29.320 --> 0:06:31.520 this wrong? Or even I know I can sound like 0:06:31.560 --> 0:06:35.479 aggressive or abrasive, you know, via email or you know 0:06:35.680 --> 0:06:38.520 those communications. So I like to talk and I think 0:06:38.560 --> 0:06:41.960 people it's always easier. It's just like commenters on the website. 0:06:41.960 --> 0:06:45.520 It's always easier to be a jerk when you're typing 0:06:45.560 --> 0:06:47.480 something out, But as soon as you get people on 0:06:47.520 --> 0:06:49.360 the phone, they tend to be a lot a lot 0:06:49.440 --> 0:06:50.880 nict nice. 0:06:51.240 --> 0:06:53.479 So I've got some awesome news. 0:06:53.720 --> 0:06:54.440 Okay, what's up? 0:06:56.000 --> 0:06:58.719 So the house went through, they found the contract. We 0:06:58.880 --> 0:07:01.520 are under contract, and now I have to do basically 0:07:01.600 --> 0:07:06.159 it's pay. So I'm super excited it's to go. Okay, 0:07:06.520 --> 0:07:08.599 I know, after all that time, isn't that crazy? For 0:07:08.640 --> 0:07:11.200 a year we searched and then you know, we get 0:07:11.240 --> 0:07:14.520 with our new our new realtor, and then within a 0:07:14.560 --> 0:07:16.760 month she has us with the sign contract in the house. 0:07:17.200 --> 0:07:20.560 But to be fair that what I've learned from the 0:07:20.600 --> 0:07:22.640 house buying process is in the beginning, you're not really 0:07:22.680 --> 0:07:24.720 all that ready unless you this is like you know, 0:07:24.720 --> 0:07:28.240 you're buying multiple homes or whatever. But typically if this 0:07:28.280 --> 0:07:30.520 is your maybe first or second, you're still trying to 0:07:30.520 --> 0:07:33.400 figure out what you want. So to be fair, you know, 0:07:33.600 --> 0:07:35.440 she caught us at the perfect time and we were 0:07:35.480 --> 0:07:38.520 really clear on where we wanted to live, how much 0:07:38.560 --> 0:07:40.480 we wanted to spend, and you know, and what we 0:07:40.520 --> 0:07:43.520 wanted in the house. But she's also was also really 0:07:43.520 --> 0:07:46.720 awesome too, so you know, so yeah, I'm super excited. 0:07:46.760 --> 0:07:48.600 Like Superman, I thought he was gonna cry. He was 0:07:48.640 --> 0:07:50.480 like jumping up and down. This is his first house 0:07:50.520 --> 0:07:52.440 and he's like, I can't believe I'm a homeowner. I'm 0:07:52.480 --> 0:07:56.960 a homeowner. And then we got nervous, like, oh wait, 0:07:56.960 --> 0:07:59.120 we have work to do because it needs to be rewired, 0:07:59.480 --> 0:08:01.400 it needs to flooring in the kitchen. I mean, so 0:08:01.840 --> 0:08:05.040 now it's like, yikes, here comes the real like deal 0:08:05.320 --> 0:08:06.120 where we have to do. 0:08:06.080 --> 0:08:08.400 So because when you talked about it last week, you 0:08:08.480 --> 0:08:11.000 hadn't had the inspection yet, so did anything like crazy 0:08:11.040 --> 0:08:13.240 come up? I mean, obviously not too crazy because you 0:08:13.320 --> 0:08:14.280 know you're going through with it. 0:08:14.320 --> 0:08:16.960 But so the main things we were just worried about, 0:08:17.000 --> 0:08:19.600 So with older homes because the house was built in 0:08:19.680 --> 0:08:22.760 nineteen twenty two, so you're worried about obviously structural things. 0:08:22.800 --> 0:08:27.000 Foundation you're worried about like electrical stuff. You're worried about 0:08:27.000 --> 0:08:29.520 plumbing and the roof. Those are the most expensive things. 0:08:29.880 --> 0:08:32.560 And so three out of the four were great, it 0:08:32.640 --> 0:08:35.880 needs to be rewired, And that part I wasn't surprised 0:08:35.880 --> 0:08:40.480 with because whatever wiring they had in nineteen twenty two, 0:08:41.200 --> 0:08:44.160 they were atticipating you were going to have an iPad 0:08:44.160 --> 0:08:46.480 and a computer and a cell phone, and so it 0:08:46.559 --> 0:08:48.760 was going to have to be rewired anyway. But they 0:08:48.800 --> 0:08:50.200 had something in the house, and a lot of older 0:08:50.240 --> 0:08:54.760 houses have something called knob and tubing. It's basically, I 0:08:54.760 --> 0:08:56.559 don't know, it's like it. They call it nob and 0:08:56.559 --> 0:08:58.320 tubing because that's what it looks like when you see it, 0:08:58.360 --> 0:09:00.000 Like in the electrical panel, it looks like a little 0:09:00.080 --> 0:09:02.720 knob and some tubes, and so basically it's the old 0:09:02.760 --> 0:09:05.160 way that they used to wire your house. But it 0:09:05.240 --> 0:09:07.320 also turned out to be pretty dangerous and could like 0:09:07.360 --> 0:09:10.520 start fires within the walls, so you know, we were 0:09:10.559 --> 0:09:12.959 going to rewire anyway, So just knowing that that was 0:09:13.000 --> 0:09:17.320 the main thing, everything else is kind of like just 0:09:17.440 --> 0:09:19.400 for looks. You know, what is the word I'm looking for? 0:09:19.520 --> 0:09:23.920 Not commercial? Cosmetic. Everything else is cosmetic. So it's just rewiring, 0:09:23.960 --> 0:09:27.319 and rewiring is not cheap, but it has to be done. Yeah, 0:09:27.400 --> 0:09:29.920 so I'm excited. So now we just basically have to 0:09:29.960 --> 0:09:32.480 go in, clean out all the stuff that's kind of 0:09:32.520 --> 0:09:35.240 in there, get some electricians to come in to give 0:09:35.280 --> 0:09:37.679 us some quotes. So we'll do that first and then 0:09:37.679 --> 0:09:41.079 slowly but surely go room by room deciding what we want. 0:09:41.200 --> 0:09:43.640 So that's the big thing, because I can already tell 0:09:43.800 --> 0:09:46.320 Superman and I have totally different ideas of what grown 0:09:46.360 --> 0:09:49.960 and sexy is. Oh my good, look what Mandy? First 0:09:50.000 --> 0:09:50.400 of all? 0:09:50.640 --> 0:09:53.240 Is this like he believe used to pick out a 0:09:53.280 --> 0:09:54.480 comforter we both agreed on. 0:09:54.600 --> 0:09:59.880 So yeah, I'm like, sir, are you he is? You 0:10:00.200 --> 0:10:01.720 not think that he's really into college? 0:10:01.800 --> 0:10:02.360 But he is. 0:10:02.920 --> 0:10:05.559 I mean he's like, I want burgundy on the wall, 0:10:05.920 --> 0:10:08.000 I want orange in the kitchen, I want purple in 0:10:08.040 --> 0:10:12.600 the bathroom. What are we five? And he was like Tippany, 0:10:12.600 --> 0:10:14.800 you want everything to be like white, and I'm like no, 0:10:14.920 --> 0:10:17.560 but he said, but I want grown and sexy. I'm like, yeah, 0:10:17.559 --> 0:10:19.360 grown and sexy for eighteen year old that just got 0:10:19.360 --> 0:10:22.319 their first apartment. Like that's not what we're doing here. 0:10:23.480 --> 0:10:25.880 And so I'm like, Okay, I could tell it's going 0:10:25.920 --> 0:10:28.000 to be a battle, but one that I'm prepared to win. 0:10:28.400 --> 0:10:31.120 So actually, for those of you guys listening, you want 0:10:31.120 --> 0:10:33.120 to write on in if you want a Brown Ambition 0:10:33.240 --> 0:10:38.360 podcast and just click contact bornabisionpodcast dot com because I 0:10:38.360 --> 0:10:41.520 would really love some tips of because I'm still new 0:10:41.520 --> 0:10:44.840 to this marriage game, some tips of how to persuade 0:10:45.160 --> 0:10:48.079 and get my way without arguing. Because we were arguing 0:10:48.280 --> 0:10:50.199 for mythical things that haven't even happened yet. I'm like, 0:10:50.240 --> 0:10:52.360 we're already arguing. There has to be a way to 0:10:52.400 --> 0:10:54.640 get my way as far as this house is concerned, 0:10:54.880 --> 0:10:57.160 without him feeling bad about it. So that way we 0:10:57.200 --> 0:10:59.000 all win. I win as far as the house looking 0:10:59.040 --> 0:11:00.880 like I want. He wins because he's happy about it. 0:11:01.200 --> 0:11:03.440 So I'll try to figure that out. I just want 0:11:03.440 --> 0:11:05.079 to make sure that I mean, I want him to 0:11:05.120 --> 0:11:07.240 be happy. To you, maybe I'm just being facetious about 0:11:07.280 --> 0:11:09.480 how do I get over a kind disorder? But so 0:11:09.559 --> 0:11:11.400 we just decided what we're gonna do is we're gonna 0:11:11.400 --> 0:11:15.720 pull pictures offline of stuff that we both like and 0:11:15.760 --> 0:11:17.200 so that way we can both be on the same 0:11:17.240 --> 0:11:20.000 page and say, hey, this is what I was thinking 0:11:20.040 --> 0:11:24.079 for the living room, you know, so witchress board. Yeah. 0:11:24.160 --> 0:11:27.679 So well he's not super like savvy as far as 0:11:28.520 --> 0:11:32.120 being online and stuff. So yeah, I mean I'm excited though, 0:11:32.160 --> 0:11:34.560 because it's just it's a new chapter, like by this 0:11:34.600 --> 0:11:37.320 time next year. I mean, the house is big. It's 0:11:37.400 --> 0:11:39.640 it's five bedroom, three and a half bathroom. You know, 0:11:40.280 --> 0:11:44.120 sounds mess I can't read. Yeah, so I don't know. 0:11:44.600 --> 0:11:46.600 So we've all by now, we've all heard about the 0:11:46.640 --> 0:11:50.679 Equifax Stata breach. Don't do dun. Over one hundred and 0:11:50.720 --> 0:11:53.400 forty three million Americans impacted by the stat of breach. 0:11:53.440 --> 0:11:55.199 I can't believe we didn't talk about this last week. 0:11:57.040 --> 0:11:58.400 But this was a big f and deal. 0:11:59.440 --> 0:12:02.880 It was, and honestly, everyone was checking and I would 0:12:02.920 --> 0:12:04.640 say like eighty percent of the people that I saw 0:12:04.720 --> 0:12:07.679 posting on social media and Facebook were like, I was affected? 0:12:07.720 --> 0:12:08.440 What did that mean? 0:12:09.400 --> 0:12:11.800 You know what? The thing that i've heard, so if 0:12:11.840 --> 0:12:14.640 you're not if you're not aware. Basically, Equifax is one 0:12:14.640 --> 0:12:17.600 of the three credit bureaus, right, so three credit bureaus. 0:12:17.880 --> 0:12:20.560 They're the ones who track all your credit behavior and 0:12:20.679 --> 0:12:23.960 report it to lenders, and that information is what's used 0:12:24.000 --> 0:12:27.160 to create your credit score down the line. So Equifax 0:12:27.200 --> 0:12:29.679 is one of the big three, and they had this 0:12:29.800 --> 0:12:33.360 massive hack that happened sometime over the summer, and for 0:12:33.400 --> 0:12:35.520 some reason, it took the company until the end of 0:12:35.559 --> 0:12:38.440 September or sorry, the end of August early September to 0:12:38.920 --> 0:12:42.240 make it public, and now we're all sort of like 0:12:42.360 --> 0:12:45.520 dealing with the aftermath. And basically what happened during the 0:12:45.559 --> 0:12:49.319 breach is that hackers were able to access social security numbers, 0:12:50.120 --> 0:12:54.400 financial account information, addresses, names, like a ton of really 0:12:54.600 --> 0:12:59.040 important personal identifiable information. So that's why we were saying 0:12:59.080 --> 0:13:00.640 this is a this is a big deal because like 0:13:00.679 --> 0:13:03.000 this is like a hackers dream. You can of yes, 0:13:03.440 --> 0:13:07.280 create identity, You can create accounts with this information and 0:13:07.320 --> 0:13:11.520 impersonate another person with even just a couple of pieces 0:13:11.520 --> 0:13:12.480 of this stuff that they took. 0:13:13.920 --> 0:13:16.200 And there was actually someone you know in our Fincon 0:13:16.280 --> 0:13:18.199 group for those of you who remember fin Con is 0:13:18.240 --> 0:13:23.000 this financial educators or what's it? Like? Well, financial conference 0:13:24.400 --> 0:13:26.520 that Omanny and I go to from time to time, 0:13:27.200 --> 0:13:31.240 and someone in there they took sixty five thousand dollars 0:13:31.240 --> 0:13:34.320 out of her account related to the hack, and she 0:13:34.440 --> 0:13:37.480 believes so it happened recently. Wow, and she was really 0:13:37.480 --> 0:13:40.120 freaked out and she was just kind of walking us 0:13:40.160 --> 0:13:41.880 through like you know. I guess as soon as she 0:13:41.920 --> 0:13:43.680 figured it out, she called her bank and the bank 0:13:43.679 --> 0:13:46.400 said it's still pending, so there's nothing they can do 0:13:46.400 --> 0:13:48.120 about it just yet. I don't know, so I have 0:13:48.120 --> 0:13:49.360 to actually I'm going to go in and kind of 0:13:49.360 --> 0:13:51.800 look to see, like, what's what's happened in the meantime. 0:13:53.120 --> 0:13:56.560 So it's crazy. Someone just emailed me today. I don't 0:13:56.600 --> 0:13:59.000 know if this is related to the hack, but apparently 0:13:59.040 --> 0:14:02.440 they have three mortgage in in like some other things 0:14:02.520 --> 0:14:06.640 under her and her husband's name that someone had stolen 0:14:06.679 --> 0:14:10.320 their identity. They didn't realize and opened up all of 0:14:10.320 --> 0:14:12.600 these things. She's like, why we only three houses and 0:14:12.640 --> 0:14:13.280 we didn't even know. 0:14:14.080 --> 0:14:16.320 It's gonna be hard, it's gonna be hard to tell 0:14:16.520 --> 0:14:19.960 like when things. So first of all, everyone you should 0:14:20.040 --> 0:14:22.400 you should pretty much assume like I mean, this is 0:14:22.640 --> 0:14:25.000 this is like half of the people in America. Like 0:14:25.080 --> 0:14:26.720 I was gonna say that, you can pretty much assume 0:14:26.760 --> 0:14:29.560 that you might be impacted by this, and you know, 0:14:29.640 --> 0:14:32.600 you can go to Equifax Security. The website is Equifax 0:14:32.640 --> 0:14:36.920 Security twenty seventy dot com to see, you know, if 0:14:37.240 --> 0:14:39.120 there's a tool on the Equifax website where you can 0:14:39.160 --> 0:14:41.440 basically like input some information and it will tell you 0:14:41.520 --> 0:14:44.240 if you were impacted. I've read that this tool just 0:14:44.280 --> 0:14:47.120 basically tells everyone they're impacted, that they've been affected. 0:14:47.160 --> 0:14:47.680 So, like the. 0:14:47.680 --> 0:14:51.240 Question is, well, what do I do now? Like a 0:14:51.240 --> 0:14:53.120 lot of people have been Well, the most important thing 0:14:53.160 --> 0:14:56.120 is to monitor your credit, which you can do. You 0:14:56.120 --> 0:14:58.920 can do through Credit Sesame, you can do through Credit Karma. 0:14:59.120 --> 0:15:01.880 You can of course your free credit report once a year. 0:15:01.920 --> 0:15:05.440 But if you want a more consistent monitoring, then there's 0:15:05.480 --> 0:15:06.720 other tools available. 0:15:08.400 --> 0:15:10.560 One thing I have, do you have? Like I have 0:15:10.680 --> 0:15:15.760 LifeLock me and Superman because somebody had like opened up 0:15:15.760 --> 0:15:18.560 a some sort of account under his name. I guess 0:15:18.600 --> 0:15:20.920 it's not a PayPal. What is that thing when you 0:15:20.960 --> 0:15:23.000 go easy pass when you go through and they weren't 0:15:23.000 --> 0:15:27.479 paying it, and so we were getting like like tickets 0:15:27.720 --> 0:15:30.160 in our in our you know, like mail, and we 0:15:30.160 --> 0:15:31.960 were like what And it turned out somebody had opened 0:15:32.000 --> 0:15:33.920 up an easy pass with his name and then something 0:15:33.920 --> 0:15:36.480 else a week later. So finally he got LifeLock and 0:15:36.800 --> 0:15:38.560 it was just a few bucks a month, but it 0:15:38.640 --> 0:15:42.360 was it was everything because whenever someone tried to open something, 0:15:42.360 --> 0:15:45.200 he would get like a text message saying, hey, Superman, 0:15:45.360 --> 0:15:47.920 is this you? And if he clicked to know, then 0:15:47.920 --> 0:15:49.400 it would be shut down. If he clicked yes, it 0:15:49.440 --> 0:15:51.480 would be allowed to go through. So if you're really 0:15:51.480 --> 0:15:53.640 really worried, think about getting it. Doesn't have to be LifeLock, 0:15:53.640 --> 0:15:55.800 obviously because they're not paying us no money, but it 0:15:55.840 --> 0:15:56.880 could be something similar. 0:15:57.400 --> 0:15:59.760 Yeah, yeah, Lifelock's one of those. So how it exactly 0:15:59.800 --> 0:16:00.880 does life block work? 0:16:01.800 --> 0:16:03.960 So you sign up for it, you can get like 0:16:04.000 --> 0:16:06.000 the eight ninety nine. I'm not gonna lie, I'm not 0:16:06.040 --> 0:16:08.600 really clear about the difference between eight ninety nine like 0:16:09.200 --> 0:16:11.840 nineteen ninety nine a month, but what I do know 0:16:11.960 --> 0:16:15.360 is that when you sign up, you then start to 0:16:15.400 --> 0:16:20.120 get alerts whenever someone tries to open up a account, 0:16:20.520 --> 0:16:24.760 basically any sort of like bank account, a credit card, 0:16:25.560 --> 0:16:28.000 something like that that really would like usually would require 0:16:28.080 --> 0:16:32.600 your your social security number. So whenever anyone someone tries 0:16:32.640 --> 0:16:35.440 to open up an account under your name slash social 0:16:35.480 --> 0:16:38.760 security number, you're supposed to get an alert via phone. 0:16:38.760 --> 0:16:41.560 Sometimes they'll even call you or via email, and the 0:16:41.600 --> 0:16:45.720 alert basically says, hey, this account is trying to be 0:16:45.800 --> 0:16:49.080 open is it you? And you have to verify yes 0:16:49.120 --> 0:16:52.000 it is, and if you, but until it's verified, Like 0:16:52.040 --> 0:16:55.360 for example, we were opening up a joint account and 0:16:56.400 --> 0:17:00.880 he kept getting like denied by Ally. I couldn't understand why, 0:17:00.960 --> 0:17:02.760 and it turned out he wasn't looking at his emails. 0:17:02.800 --> 0:17:05.520 LifeLock was asking him, hey, someone is trying to open 0:17:05.600 --> 0:17:07.679 up account an Ally, is it you? And once he 0:17:07.720 --> 0:17:11.560 said yes, it is, then Ally was able to allow 0:17:11.600 --> 0:17:13.240 him to have to joint account with me. And I thought, wow, 0:17:13.280 --> 0:17:14.359 that's great. You know. 0:17:14.520 --> 0:17:18.160 So it's like an extended version of like a credit freeze, 0:17:18.240 --> 0:17:19.639 is what it. So it sounds like a little bit 0:17:19.640 --> 0:17:22.840 more comprehensive than a credit freeze because exactly a lot 0:17:22.880 --> 0:17:25.720 of it. I was going to say, a lot of 0:17:25.720 --> 0:17:27.840 the advice has been, you know, get a credit freeze 0:17:27.920 --> 0:17:30.600 right away, and like, I think that's good advice. Credit 0:17:30.600 --> 0:17:32.840 freezes can be helpful Basically, when you you do a 0:17:32.880 --> 0:17:34.280 credit freeze, you have to do it at all the 0:17:34.280 --> 0:17:37.560 three bureaus, and it basically stops anyone from being able 0:17:37.640 --> 0:17:40.159 to open up an account like a like a credit 0:17:40.160 --> 0:17:43.960 card or take out a line of credit without you 0:17:44.040 --> 0:17:46.800 being alerted. But it doesn't I don't know if that 0:17:47.119 --> 0:17:51.080 if that extends to like bank accounts, like cell phone contracts, 0:17:51.080 --> 0:17:51.680 like things. 0:17:51.480 --> 0:17:53.879 Like that and life like that. That's what I like 0:17:53.920 --> 0:17:54.360 about it. 0:17:55.359 --> 0:17:58.159 But if you're I know that, Equifax, like today or 0:17:58.160 --> 0:18:01.800 earlier this week, announced that it's offering it's gonna waive 0:18:01.880 --> 0:18:05.600 the fee to freeze your credit through Equifax. So some states, 0:18:05.680 --> 0:18:08.399 a lot of states actually charge little fees to to 0:18:08.520 --> 0:18:11.600 freeze your freezer credit. So like there may be a 0:18:11.720 --> 0:18:14.199 fee a feed a freezer credit, and there may be 0:18:14.240 --> 0:18:16.760 a feed to quote unquote thaw your credit like if 0:18:16.800 --> 0:18:18.879 you actually want to go get a credit card. This 0:18:18.920 --> 0:18:20.520 is kind of the annoying thing about a freeze, like 0:18:20.520 --> 0:18:23.080 you have to thaw your report first and then that 0:18:23.119 --> 0:18:26.320 can cost a fee. So anyway, Equifax finally was like, 0:18:26.320 --> 0:18:28.920 we're going to offer you know, a free credit freeze. 0:18:28.920 --> 0:18:33.720 But credit freezes, like they don't protect you from everything. 0:18:33.760 --> 0:18:37.000 One of the So they're good for if someone opens 0:18:37.040 --> 0:18:38.359 a new account in your name, And it sounds like 0:18:38.400 --> 0:18:40.399 LifeLock is good for if someone opens a new account 0:18:40.400 --> 0:18:43.240 in your name. I think what LifeLock might offer too 0:18:43.240 --> 0:18:47.359 and other like identity theft protection services, is that what 0:18:47.440 --> 0:18:50.679 about your existing accounts that are already like these hackers 0:18:50.720 --> 0:18:53.600 may be able to access, Like that's the kind of 0:18:53.600 --> 0:18:55.199