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Speaker 1: Hey, hey, hey, we're back. We're black, We're brown and bitch.

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Speaker 2: Son.

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Speaker 1: That was Alex.

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Speaker 3: He told me that he loves my singing. I'm like, oh, Alex,

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Speaker 3: you don't have to lie to me. My brother, No, no,

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Speaker 3: your brother's drake. Alx is just somebody who hit me

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Speaker 3: on hit me. He's a friend of mine that hit

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Speaker 3: me on on Twitter. He was like, oh, I love

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Speaker 3: when you sing, Tiffany.

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Speaker 1: I'm like, oh, talk to me.

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Speaker 2: Nice.

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Speaker 3: That was sweet because I know I can't sing, but

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Speaker 3: that's not gonna stop me from singing.

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Speaker 1: Though.

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Speaker 2: We love you, your uterus and everything that comes with the package.

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Speaker 2: You want, Tiffany, you got it like old Tiffany.

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Speaker 1: Yeah, you know what.

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Speaker 3: It was so nice. Honestly, you guys sent me so

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Speaker 3: many nice messages to.

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Speaker 1: My DMS to saying girl, go ahead and share you

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Speaker 1: to it.

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Speaker 3: And I realized I'm usually typically not super duper sensitive

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Speaker 3: to like critique and feedback.

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Speaker 1: And then my period came a couple days later. After that,

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Speaker 1: I was like, ah, the us give it.

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Speaker 2: Then she taketh.

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Speaker 3: I was on an emotional roller coaster, but still, yeah,

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Speaker 3: it was just really nice to lift the messages that

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Speaker 3: I got.

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Speaker 1: I just want to say thank you, thank you, thank

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Speaker 1: you guys.

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Speaker 2: Yeah, we got a couple of sweet messages from our

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Speaker 2: Instagram account too.

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Speaker 1: Yeah.

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Speaker 2: I mean, obviously it's the people who have something mean

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Speaker 2: to say that sometimes speak the loudest. But lately we've

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Speaker 2: been getting messages from people just for the heck of it,

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Speaker 2: just to let us know that they're happy we're still

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Speaker 2: doing the show. Thank you, guys. We never really considered

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Speaker 2: not doing it. Yeah, I'm kind of afraid if we

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Speaker 2: ever decided to stop doing the show for a period

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Speaker 2: of time, we would just lose the habit. I don't know.

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Speaker 2: I'm glad that we haven't stopped.

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Speaker 3: Yeah, No, honestly, it's been It's been great because so

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Speaker 3: back in the day when Mander used to work for Yahoo,

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Speaker 3: we used to tape at their studio, and then when she.

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Speaker 1: Didn't, we were like, what are we gonna do?

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Speaker 3: So you know, we learned to tape separately, and so

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Speaker 3: it's just like I felt like we were built we

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Speaker 3: were practicing for quarantine.

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Speaker 1: So it really isn't.

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Speaker 3: It's not a change other than like us like working

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Speaker 3: around baby baby rios nap schedule, which is cool because

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Speaker 3: I'm like, what am I doing.

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Speaker 1: Man, it's always like, can we do three? I'm like,

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Speaker 1: what else can we do? Four? I'm like, sure, can

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Speaker 1: we do for?

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Speaker 2: And bless you for it because the show would not

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Speaker 2: work if I didn't have that flexibility, So thank you.

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Speaker 3: No, of course, you never agree to stop thinking, because honestly,

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Speaker 3: I'm like, the most part, it's just it's fine, Like

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Speaker 3: I you know, we sometimes you tape on Monday, sometimes

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Speaker 3: tape on Tuesday sometimes, So I just see all that

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Speaker 3: to say that.

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Speaker 1: We actually truly enjoy showing up for y'all. So thank

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Speaker 1: you for being here with us.

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Speaker 2: I'm sure our editor Kelly would appreciate some consistency, but.

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Speaker 1: Oh yeah, they're used to it.

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Speaker 2: It's fun, thanks Kelly. Yes, So I speaking of, you know,

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Speaker 2: just juggling different things. I just scheduled like a just

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Speaker 2: to catch up with any parent on my team, and

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Speaker 2: I feel like we're coming close to summer. Summer is

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Speaker 2: starting and for so many parents, like their summer plans

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Speaker 2: are just in the toilet day cams are canceled and

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Speaker 2: if they're open. You know, I've got a friend in

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Speaker 2: Georgia who you know, George is trying to reopen early

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Speaker 2: and she even though some summer camps are opening and

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Speaker 2: daycares are opening back up. She's like, do I really

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Speaker 2: send my child? So a lot of parents who are

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Speaker 2: working from home are just realizing this is the new

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Speaker 2: normal and what the hell are we gonna do? And

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Speaker 2: not only that, but like stuff is sold out. So

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Speaker 2: one of my editors said that she couldn't even get

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Speaker 2: a trampoline because everything is sold out. And there is

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Speaker 2: a story in the New York Times that there was

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Speaker 2: a bicycle shortage. All yes, And I had to search

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Speaker 2: really hard on Amazon to find bubbles, just something simple.

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Speaker 1: I didn't think about that, right.

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Speaker 2: I snatched up like a little baby, a little inflatable

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Speaker 2: baby pool.

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Speaker 1: I can't wait.

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Speaker 2: Was so excited. But all those outdoor toys, you know,

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Speaker 2: I mean there must be a really hot market. Or

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Speaker 2: if you're looking to sell a bicycle or any kind

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Speaker 2: of like outdoor toy, now is the time to sell

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Speaker 2: it on Facebook, Marketplace or wherever, because I feel like

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Speaker 2: people are needing activities. They're needing yes, or I even

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Speaker 2: thought about setting up some kind of if you've got

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Speaker 2: friends with similar age kids or whatever, set up some

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Speaker 2: sort of game exchange, so you know, drop off games

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Speaker 2: that you guys are getting gotten tired of and pass

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Speaker 2: them on because there's I feel like there's so much

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Speaker 2: stuff just collecting dust and people's wherever you keep your stuff,

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Speaker 2: your nursery whatever, that's where I.

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Speaker 3: Keep that, right because even like just I think there's

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Speaker 3: like this, even like but when we really couldn't go

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Speaker 3: outside outside, you know, they were like sold out of

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Speaker 3: treadmills and waits. Someone was like, yo, I couldn't find

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Speaker 3: waits for weeks, and I'm like, so, yeah, there's these

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Speaker 3: unintended consequences for quarantine and lockdown.

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Speaker 2: I was prepared to spend a pretty penny to get

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Speaker 2: a Peloton bike and I could justify it. Not only

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Speaker 2: do I not live anywhere close to a gym, but

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Speaker 2: there's no gems that are open right now, and I

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Speaker 2: feel so crappy about not being active. And I'm really

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Speaker 2: I mean, I can go for walks, but I'm tired

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Speaker 2: of my damn neighborhood. You know, it's just the same houses.

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Speaker 2: They don't change. There's no interesting people in the streets

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Speaker 2: to look at, like in the city. So anyway, but

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Speaker 2: they stopped accepting new orders. I was gonna get oh, yes,

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Speaker 2: well this was for one of our cousins works for them,

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Speaker 2: and we had a friends and family discount, but they

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Speaker 2: shut down. They only open it for a limited time

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Speaker 2: and you don't know when they're going to close it,

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Speaker 2: and my mommy brain could not remember to call them,

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Speaker 2: and I missed the boat and they've shut down the

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Speaker 2: applications because they had such an overflow, overload of interest

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Speaker 2: and even if I had ordered it, it would have

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Speaker 2: taken over a month to get the bike, because that's

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Speaker 2: how far behind they were.

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Speaker 3: I'm telling you there are some businesses that are like

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Speaker 3: kabooming during times like this. Yeah, so just like if

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Speaker 3: you do have a business, or you are looking to

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Speaker 3: go into an industry. So I give an example, my

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Speaker 3: sister Tracy, she was like kind of helping me out

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Speaker 3: with like some PRS things on the side, because you know,

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Speaker 3: just helping and because but she really wanted to get

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Speaker 3: into buying.

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Speaker 1: And what happened is that industry.

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Speaker 2: She's like, yes, so into buying buying, So.

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Speaker 3: Buying retail buying, you know, so like buying for like

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Speaker 3: these big stores, like hey you know.

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Speaker 1: Oh right, yeah, yes, like I owned these shirts.

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Speaker 3: In this and now she's like so so she's made

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Speaker 3: this full transition into just helping me full time because

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Speaker 3: she's like, I just don't even think that that makes sense,

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Speaker 3: like as a because this pandemic has shown that that's

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Speaker 3: not an industry that maybe I should be putting my

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Speaker 3: heart and soul into because I don't know how it's

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Speaker 3: even going to survive, you know, this transition. So yeah,

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Speaker 3: so just even looking at the industry that you're in

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Speaker 3: and asking yourself, is it going to be able to

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Speaker 3: survive in moving forward? And if not, is there something

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Speaker 3: you could do to kind of sidestep and do something different?

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Speaker 2: Oh? Absolutely, I mean I need nothing like an economic

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Speaker 2: crisis to make you rethink your life. We had, I

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Speaker 2: mean lots of people in the last recession. You had

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Speaker 2: so many change in career, and unfortunately, often it's not

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Speaker 2: by choice. It's not you know, people who have the

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Speaker 2: privilege of working. It's it's people who are kicked out

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Speaker 2: on their butts, they're laid off, or you know, they

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Speaker 2: lose or their small business owner who's who suddenly has

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Speaker 2: no business because they've been forced to close. I do

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Speaker 2: feel like it's what's going to be happening now is

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Speaker 2: companies are including mine, have started to tell their employees

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Speaker 2: when they can expect to come back into the office.

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Speaker 2: And we've been told no earlier than August, and I've

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Speaker 2: had Yeah, well, I've got friends, and that's This is

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Speaker 2: a company based in Charlotte, North Carolina. I think the

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Speaker 2: story is definitely different when you're in places like New York,

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Speaker 2: where we've been hit so hard. I have a friend

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Speaker 2: who works at the New York Times and she said

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Speaker 2: they said the earliest is the week after Labor Day.

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Speaker 2: And even then there's companies like Zillow. I've heard what

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Speaker 2: is the other one? Uh crap, Now I can't remember

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Speaker 2: what it's called.

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Speaker 1: Is it Twitter? The one that said that you guys

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Speaker 1: don't even have to come back ever into the office.

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Speaker 2: Yeah, I can't remember what Twitter is called. Geese Loise,

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Speaker 2: yes that I know you and I get our Robin

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Speaker 2: Hood's next newsletter, so we get the same news. Yeah,

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Speaker 2: so they are basically Twitter has said we don't expect

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Speaker 2: anyone to come back, and to be perfectly honest, it

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Speaker 2: has forced a lot of companies. It's going to be

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Speaker 2: really hard. And this could be a boon for working

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Speaker 2: parents who have decided they want to work remotely or

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Speaker 2: whatever they prefer remote lifestyle. It's going to become really

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Speaker 2: hard for employers to argue that you can't do your

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Speaker 2: job remotely, because we've all proven we can. And not

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Speaker 2: only that my office, I mean my company. We're still productive,

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Speaker 2: we're still doing well. And if you can prove that

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Speaker 2: you are being productive, you can do your job that

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Speaker 2: you can. You know, you don't have to work between

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Speaker 2: the hours of nine to five to do your job well.

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Speaker 2: You can work from nine to ten thirty and then

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Speaker 2: eleven thirty to one thirty like I've been doing, and

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Speaker 2: then nine pm to eleven pm on Sundays and you

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Speaker 2: make it work. Now, I'm not saying my heart and

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Speaker 2: my body can't take this type of lifestyle for much longer,

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Speaker 2: but I definitely I don't think I'll be going back

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Speaker 2: this year full time in the office. You know, it's

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Speaker 2: just not safe. And not only that, but why take

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Speaker 2: the risk if you've proven that you can do your

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Speaker 2: job from home, and.

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Speaker 3: Even even those jobs that physically like you need to

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Speaker 3: be there, so, like you know, Superman is a super right.

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Speaker 3: So what they do now is everybody has Monday off

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Speaker 3: and he works three days out of the week, and

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Speaker 3: so they rotate and I'm like, well, how's it working.

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Speaker 3: He's like, it's working, And I'm like, well, isn't this

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Speaker 3: just better?

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Speaker 2: You know?

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Speaker 1: You know what I mean? Like he loves it. He doesn't.

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Speaker 1: He didn't go into work today.

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Speaker 3: And you know, they rotate, so he'll he'll work like Tuesday,

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Speaker 3: Wednesday or whatever, and then Tuesday, Wednesday, Thursday, but not

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Speaker 3: Friday or I think they have they work too. They

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Speaker 3: have three days off and work two days whatever it is.

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Speaker 3: It's actually working. Even though he has a job where

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Speaker 3: you do physically have to be there, but what they're

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Speaker 3: trying to do with the folks on the team is

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Speaker 3: the limit exposure.

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Speaker 1: So that's been great.

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Speaker 3: And I thought to myself, well, even working for a

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Speaker 3: job where you physically have to go, there's just no

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Speaker 3: way around it, still a way around it.

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Speaker 1: So I just think that we're just Someone asked me

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Speaker 1: that the other day one.

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Speaker 3: Of our one of our favorite Browns and in Personal Finance, Tila.

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Speaker 3: She was just asking, how how have I managed to

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Speaker 3: grow such an awesome team? You know, I call my

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Speaker 3: team the Unicorn Squad because I tell them they make

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Speaker 3: magic happen every day. And you know what does that

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Speaker 3: look like? Because it's different when you're not in the office.

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Speaker 3: How do you get people motivated, how do you make

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Speaker 3: sure they're doing their job? You know all of these things,

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Speaker 3: and so it took me a while to learn because

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Speaker 3: it's certainly not easy. But I said I was going

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Speaker 3: to have a chat with her. So every Monday for

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Speaker 3: my team, what we do is we have a mental

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Speaker 3: health Monday check in. We're the lead team, that's the CFO,

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Speaker 3: the COEO and managers that we get together on Monday

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Speaker 3: morning and we just talked about the weekend. How are

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Speaker 3: you doing, how you're feeling, how's your mom, has your dad,

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Speaker 3: how the kids? Like, how are you really doing, and

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Speaker 3: how are the people on your team doing. Anybody you're

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Speaker 3: excited for, anybody you're worried about, and we just discuss

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Speaker 3: how we can be of service to that person. Sometimes

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Speaker 3: we talk business, but if we don't get to the

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Speaker 3: business at hand, because there are all these other meetings

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Speaker 3: during the week, it's really just like a check in

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Speaker 3: check in. And so I think that's one of the

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Speaker 3: things we do is to how we build community, is

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Speaker 3: that we want the people. I want the people that

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Speaker 3: work with me, I would say, not for me, but

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Speaker 3: with me. I want them to know that I actually

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Speaker 3: care about them outside of the work that they do.

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Speaker 2: Oh yeah, for sure. I mean if you have a manager.

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Speaker 2: One of my our family members had a baby in February,

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Speaker 2: and she was telling me that she was she had

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Speaker 2: asked permission from her boss and God approved to work

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Speaker 2: from home when she gets back to the city in June.

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Speaker 2: And I'm like, or back off of Matt leave in June,

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Speaker 2: And I said, why did you even have to ask?

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Speaker 2: Why was that a question that you felt nervous to ask.

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Speaker 2: I mean, if you've got managers out there, like this

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Speaker 2: is the time to stand up for yourself and go

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Speaker 2: to HR and tell them if you're not getting the

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Speaker 2: flexibility that you need. Because I will be damned if

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Speaker 2: anyone on my team can say that they don't have

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Speaker 2: a boss and me who understands that this is not normal.

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Speaker 2: We cannot expect people parents, especially to act as business

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Speaker 2: as usual. Now. It doesn't mean that we can't set goals,

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Speaker 2: but we have to be flexible. And I was talking

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Speaker 2: to my I know I mentioned my therapist Lauren a lot,

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Speaker 2: but she's been helping me give myself the same permission

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Speaker 2: that I've given people on my team to you know,

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Speaker 2: to be to get to move deadlines for myself. I

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Speaker 2: move them for everyone else, but I wasn't moving them

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Speaker 2: for myself. And you know, it's just we all need

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Speaker 2: to be patient with each other. And whether your managers

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Speaker 2: or parents themselves or not, it matters how what the

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Speaker 2: ages are, how many there are, and what about their

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Speaker 2: spouse Is there a spouse helping you at homes if

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Speaker 2: they're single? You know you need to know these things. Yep,

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Speaker 2: And you need to open up and tell your manager

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Speaker 2: if you've been I understand some workplaces you don't want

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Speaker 2: to bring your personal life to the table, but like

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Speaker 2: that's reality. We all bring our personal baggage to work now,

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Speaker 2: and you need to tell, you know, your manager so

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Speaker 2: that they can be aware and hopefully you're not penalized

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Speaker 2: in any way for that. I know I'm fortunate to

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Speaker 2: work for a company where it's not like that, and

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Speaker 2: some people may not be. But I say, if you're

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Speaker 2: not getting what you need, it's you've got to raise

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Speaker 2: that up to hr whoever. Now, Tiffany, you made me

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Speaker 2: think of an article that I read about tracking remote

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Speaker 2: workers hours, like a productivity app or something. Have you

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Speaker 2: talked about using that before, because I've heard some companies

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Speaker 2: are like, these types of software becoming more popular and

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Speaker 2: it's supposed to track how much time you spend at

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Speaker 2: the computer or doing whatever task you're doing. To me,

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Speaker 2: this sounds awful.

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Speaker 1: It is awful, and I would never ever use that.

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Speaker 3: So what we just used is we use ASANA, which

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Speaker 3: is just a tool, not that what you.

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Speaker 2: Say, I love a sna A.

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Speaker 1: Yeah, so you know It'sana is not like it doesn't

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Speaker 1: track you.

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Speaker 3: It just it tracks that you've completed tasks so that

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Speaker 3: way we can stay organized. You know, it's really an

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Speaker 3: organizational tool where I'm just like, okay, here's a project

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Speaker 3: we're working on. Let's just say I remember the rollout

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Speaker 3: of Molly Moore. It was like, here are the social posts,

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Speaker 3: here are you know, the email that's going to go out,

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Speaker 3: you know, press release, all those kind of things, so

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Speaker 3: that way we can track just Okay, Tracy's doing that, Logan's.

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Speaker 1: Doing this, Karen's doing this. Done, done, done, done.

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Speaker 3: But I would never ever ever because one, it doesn't

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Speaker 3: make sense to me to be tracking you minute by minute,

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Speaker 3: second by second. It's counterproductive, and I honestly don't have

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Speaker 3: the time for it. That if I feel like you're

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Speaker 3: not bringing your best, so they know, I always give

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Speaker 3: them this speech that I have an expectation of excellence,

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Speaker 3: then I'm not gonna accept anything less than excellence from

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Speaker 3: my team, which doesn't mean perfection. It means that you're

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Speaker 3: going to do your best, even if your best is

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Speaker 3: only e and the project has to be redone.

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Speaker 1: I'm okay with that.

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Speaker 3: If you bring me your best and we realize, you

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Speaker 3: know what, maybe making Flyers actually is in your strong suit.

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Speaker 3: Let's figure out what is your strong suit. Everybody on

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Speaker 3: the team is not amazing at everything, but like that's

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Speaker 3: the thing I look for. Like, I want you to

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Speaker 3: bring your best, and if you bring your best, you

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Speaker 3: don't have to worry.

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Speaker 1: That's one of the things we do. Like if it takes.

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Speaker 3: Some people a little longer. There's some people who are

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Speaker 3: super tech savvy on the team and there's some people

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Speaker 3: who are not. But no matter however you show up,

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Speaker 3: my expectation is you're going to bring your best. And

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Speaker 3: if you don't, because I know we go above and

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Speaker 3: beyond when it comes to our team. If you don't

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Speaker 3: bring your best to the table consistently, then you can't

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Speaker 3: stay here.

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Speaker 1: We will gently let you go.

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Speaker 3: We've let people go over time where I know you

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Speaker 3: have kids, so we've like, you know, kind of let

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Speaker 3: you know and given you up to three months to

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Speaker 3: kind of adjust, because there's no way I want a

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Speaker 3: single mom who's out there struggling, you know. And sometimes

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Speaker 3: we let people go with like well, like you know,

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Speaker 3: when you find another job, then that's what we'll face

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Speaker 3: you out. So we always let go with kindness. But

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Speaker 3: if you're not going to bring excellence to the table,

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Speaker 3: you can't stay here.

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Speaker 2: You know what I'm dying to say, Right bus Bus

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Speaker 2: you can. Thank god, I can say six feet away

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Speaker 2: from that name.

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Speaker 1: She is like a quarantine. Don't touch me quarantine. Oh god,

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Speaker 1: my goodness. We're terrible but hilarious.

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Speaker 2: But before we go, well, I want to just you

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Speaker 2: mentioned like a mental health check in how are you doing?

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Speaker 2: What are you doing? What did you do this weekend

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Speaker 2: to make yourself? What did you do anything special this weekend?

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Speaker 2: You have fun? Yeah, let's talk about something like that.

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Speaker 3: So it was the first weekend that I got to

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Speaker 3: see my babies again. So my sister has two little ones, Amelia.

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Speaker 3: It's just turned three, and Roman is turning well he's four,

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Speaker 3: but he's turning five.

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Speaker 1: So they're like only like eighteen months apart.

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Speaker 3: But but she's been kind of like hiding them, you know,

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Speaker 3: obviously so because it's just been crazy out here. But

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Speaker 3: this weekend she brought them by and they just got

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Speaker 3: big boy, big girl bikes, so no more tricycles. And

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Speaker 3: I got to sit on the front steps and just

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Speaker 3: watch them right up and down the sidewalk.

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Speaker 1: Like, look at me, look at me, Auntie look.

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Speaker 2: Had a three and a four year old or riding like.

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Speaker 1: Actual bikes, well with the with the with the training wheels,

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Speaker 1: so they're not yeah, there's no yeah, so they're not

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Speaker 1: you know there.

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Speaker 3: It's basically it's like a big, a big tricycle instead

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Speaker 3: of just tricycle tries. So that was just like so

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Speaker 3: awesome because they are always my happy place, my niece

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Speaker 3: and my nephew. I have another niece in Chicago, so

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Speaker 3: I also got to video chat with her, So the

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Speaker 3: kids are always my happy place, so that was great.

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Speaker 3: I've been doing a daily walk, which has been awesome

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Speaker 3: in front of mine. Rihanna, who lives around the corner,

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Speaker 3: the one who did my houseboy, my Bittybot, my baby

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Speaker 3: bot partner. So she also has the best friend that

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Speaker 3: we've been doing like a daily walk. I was walking

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Speaker 3: by myself, so today I couldn't join them because she

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Speaker 3: needed to walk earlier. But like I tell myself every

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Speaker 3: day now, which I wasn't doing before, which is so strange,

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Speaker 3: Like I actually really like walking, and I'm like, well,

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Speaker 3: why don't you I'm so busy. I'm sorry, ask your boss.

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Speaker 3: Oh that's right, it's me girl. Go outside. I'm like,

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Speaker 3: you're bugging Tiffany. So I make it like I didn't

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Speaker 3: even realize. I got the free Nike app, that run app,

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Speaker 3: and I walked three miles today without even thinking about it.

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Speaker 3: Like I like listening to the podcast. I like listening

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Speaker 3: to you YouTube. I love listening to just like sometimes

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Speaker 3: I'll just be zoned out thinking about things. But yeah,

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Speaker 3: nothing's super special, just hanging out with the fam. I

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Speaker 3: saw my parents yesterday, which was like nice.

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Speaker 2: You know, you're expanding your bubble. That's like the new

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Speaker 2: you know. I think I've been trying to figure out

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Speaker 2: who's going to be the first people in our bubble.

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Speaker 2: I think a lot of folks are because it's just

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Speaker 2: this can't go on forever, like it can't. Our Boila cannot.

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Speaker 2: She is foaming at the mouth when we talk to her. Now,

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Speaker 2: just deap. Now the baby's eating solids, and she could

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Speaker 2: feed him if she wanted to. Oh my gosh, you're

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Speaker 2: dying to get her hands on my baby. Oh child,

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Speaker 2: And I will put I will. I will wear him

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Speaker 2: like a like a like a bulletproof vest myself, just like, yes,

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Speaker 2: take him. He'll eat your food.

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Speaker 1: Oh that's great. What about you? Like, what'd you do

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Speaker 1: to kind of give yourself a little cheer? Well?

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Speaker 2: Weekends are starting to feel like weekends again, which is nice,

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Speaker 2: even though I end up working Sunday nights. It's fine.

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Speaker 2: What did I do this weekend? I very small things.

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Speaker 2: I got a new book. Finally, I got some nail

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Speaker 2: polish in the mail that I finally that I ordered,

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Speaker 2: so I'm gonna I didn't actually do it, but it

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Speaker 2: was It made me feel good to have it, to

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Speaker 2: look at something pretty, even though when it just became

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Speaker 2: like I was too tired to end up doing it.

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Speaker 2: I uh, deep conditioned my hair, which hasn't happened in

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Speaker 2: months and months and months, and that was nice. Rio

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Speaker 2: gave me a nice long nap so I could do that.

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Speaker 2: And let's see, we grilled. We grilled some hot dogs.

435
00:19:25,200 --> 00:19:28,439
Speaker 2: We grilled some hot dogs, and Molly's entire life was

436
00:19:28,440 --> 00:19:30,960
Speaker 2: made in an instant when my husband dropped one on

437
00:19:31,000 --> 00:19:35,320
Speaker 2: the ground, hot and bubbling hot off the grill. Ooh

438
00:19:35,400 --> 00:19:36,960
Speaker 2: was she paid for it? And so did we because

439
00:19:37,000 --> 00:19:39,200
Speaker 2: we had to watch her vomit be cause she sucked

440
00:19:39,200 --> 00:19:42,520
Speaker 2: it down so fast, didn't chew it. And the whole

441
00:19:42,600 --> 00:19:44,560
Speaker 2: night I had to just sit outside. Oh that's what

442
00:19:44,600 --> 00:19:46,919
Speaker 2: I was doing. I was painting. I got like a

443
00:19:47,000 --> 00:19:50,439
Speaker 2: watercolor pencil set, and I was just whatever. I was

444
00:19:50,480 --> 00:19:53,840
Speaker 2: just doodling, and I just was on Molly watch, watching

445
00:19:53,840 --> 00:19:56,679
Speaker 2: her vomit up and then consume and then re vomit

446
00:19:57,320 --> 00:19:59,399
Speaker 2: that hot dog. It was real, real, neat. What was

447
00:19:59,440 --> 00:19:59,760
Speaker 2: this about?

448
00:19:59,800 --> 00:20:00,360
Speaker 1: Se care?

449
00:20:02,280 --> 00:20:05,399
Speaker 2: I at least it was outside and not in the house.

450
00:20:05,640 --> 00:20:05,760
Speaker 1: YEA.

451
00:20:05,920 --> 00:20:07,320
Speaker 3: So question, what book did you cause? I got a

452
00:20:07,320 --> 00:20:08,600
Speaker 3: new book too? A book did you get? I got

453
00:20:08,640 --> 00:20:09,200
Speaker 3: two new books?

454
00:20:09,240 --> 00:20:12,440
Speaker 2: Actually I ordered about five, but this one that came

455
00:20:12,560 --> 00:20:16,439
Speaker 2: is called Pachinko, which is about it covers I believe

456
00:20:16,440 --> 00:20:20,680
Speaker 2: it covers four generations of a Japanese family and it's

457
00:20:20,760 --> 00:20:23,800
Speaker 2: kind of like it reminds me of Homegoing by Yagayassi,

458
00:20:23,840 --> 00:20:26,480
Speaker 2: which I love to read Homegoing, and it's just just

459
00:20:26,520 --> 00:20:29,240
Speaker 2: the premise of it. That's a very different book, but

460
00:20:29,280 --> 00:20:32,280
Speaker 2: it's also you know how one family at the beginning

461
00:20:32,320 --> 00:20:36,879
Speaker 2: of slavery led to to you know how their actions

462
00:20:37,080 --> 00:20:39,800
Speaker 2: led to so many generations ahead of them, you know,

463
00:20:39,840 --> 00:20:43,520
Speaker 2: the ribble effect. And this is a similar premise, only

464
00:20:43,560 --> 00:20:45,320
Speaker 2: that it's a Japanese immigrant family.

465
00:20:45,960 --> 00:20:48,080
Speaker 3: I got my team set me because I've been talking

466
00:20:48,119 --> 00:20:50,080
Speaker 3: about I love Simon Sinek. If you've never watched this

467
00:20:50,200 --> 00:20:53,560
Speaker 3: TEDx Ted talkie should I got to start with why?

468
00:20:54,160 --> 00:20:56,479
Speaker 3: So I watched that video Ted video like I don't know,

469
00:20:56,520 --> 00:20:59,119
Speaker 3: like eight nine years ago, and it totally transformed the

470
00:20:59,160 --> 00:21:01,440
Speaker 3: way I decided I want to be a leader. And

471
00:21:01,960 --> 00:21:04,720
Speaker 3: it's how great leaders inspire everyone to take action.

472
00:21:05,040 --> 00:21:06,399
Speaker 1: So I'm excited to dive deep.

473
00:21:07,160 --> 00:21:09,720
Speaker 3: And then one of my friends, who knows I have

474
00:21:09,760 --> 00:21:12,199
Speaker 3: a hard time with hard conversations, she gave me this

475
00:21:12,240 --> 00:21:16,320
Speaker 3: book called Ask for More Ten Questions to Negotiate Anything

476
00:21:16,840 --> 00:21:18,240
Speaker 3: by Alexandra Carter.

477
00:21:18,040 --> 00:21:19,720
Speaker 1: So I'm excited to jump into that because I'm like.

478
00:21:19,720 --> 00:21:24,600
Speaker 2: Oh, on yourself, help situation here. Yes, I'm on that.

479
00:21:25,240 --> 00:21:27,760
Speaker 2: I'm in that break my heart and half novel reading

480
00:21:27,880 --> 00:21:31,879
Speaker 2: kind of program. Life is too short to read a

481
00:21:31,880 --> 00:21:34,080
Speaker 2: book that you don't want to read, That's all I say. So,

482
00:21:34,400 --> 00:21:37,280
Speaker 2: you know, my friend was like, after I dragged myself

483
00:21:37,320 --> 00:21:40,200
Speaker 2: through The Goldfinch and I hated every page and every

484
00:21:40,200 --> 00:21:42,159
Speaker 2: minute of it. Everyone loved that book. I hated it.

485
00:21:42,880 --> 00:21:44,600
Speaker 2: I was like, I'm never going to spend time reading them,

486
00:21:44,600 --> 00:21:47,760
Speaker 2: but something I don't want to read anymore. So that's great.

487
00:21:47,880 --> 00:21:51,359
Speaker 2: I think reading is an escape. Honestly, reading is the escape.

488
00:21:51,359 --> 00:21:54,439
Speaker 2: You need. Order your books now because they're also going fast.

489
00:21:55,160 --> 00:21:57,560
Speaker 2: One of the books I wanted to read, I can't

490
00:21:57,560 --> 00:22:01,600
Speaker 2: get it till like mid June or something like that. Yes, anyway,

491
00:22:01,680 --> 00:22:04,200
Speaker 2: that was good. I hope you guys are in quarantine

492
00:22:04,320 --> 00:22:07,919
Speaker 2: doing well, staying sane. Send us, send us messages on

493
00:22:08,000 --> 00:22:11,400
Speaker 2: Instagram or email or Twitter. Let us know how y'all

494
00:22:11,440 --> 00:22:16,080
Speaker 2: are coping with quarantine and how you are adjusting to

495
00:22:16,119 --> 00:22:18,240
Speaker 2: your new normal, because it's going to be this way

496
00:22:18,280 --> 00:22:18,919
Speaker 2: for one minute.

497
00:22:19,320 --> 00:22:21,040
Speaker 1: Yeah, did you see this is just one before we

498
00:22:21,119 --> 00:22:21,480
Speaker 1: head out?

499
00:22:21,520 --> 00:22:23,560
Speaker 3: Like, did you see this one story about the Detroit

500
00:22:23,600 --> 00:22:26,120
Speaker 3: priest using a squirt gun to shoot holy water.

501
00:22:28,600 --> 00:22:31,480
Speaker 2: Wait ironical clear like on no for.

502
00:22:31,400 --> 00:22:34,040
Speaker 1: Real like so you would drive up, I guess for

503
00:22:34,200 --> 00:22:37,879
Speaker 1: church in your car and he would he used the

504
00:22:37,920 --> 00:22:38,840
Speaker 1: water gun to squirt.

505
00:22:38,840 --> 00:22:40,840
Speaker 3: You'd holdly war so he could bless you at a

506
00:22:40,880 --> 00:22:42,720
Speaker 3: safe social distance while he wore his mask.

507
00:22:42,800 --> 00:22:44,359
Speaker 1: I said, only in the deep.

508
00:22:45,600 --> 00:22:49,800
Speaker 2: The Catholics will ride above. I would love to do

509
00:22:49,840 --> 00:22:53,040
Speaker 2: a drive through super soaker baptism for Rio because I'm

510
00:22:53,080 --> 00:22:55,520
Speaker 2: not really excited about it. But I told Buela, we

511
00:22:55,640 --> 00:22:58,240
Speaker 2: but do one. I'm not really religious, but like either they,

512
00:22:58,320 --> 00:23:01,520
Speaker 2: but they are, you know what I mean? Yeah, anyway,

513
00:23:01,680 --> 00:23:04,639
Speaker 2: I got roped in doing one, and both of his

514
00:23:04,840 --> 00:23:07,239
Speaker 2: grandparents have bought both of my grandmothers have bought him

515
00:23:07,240 --> 00:23:09,399
Speaker 2: a christening outfit. And I'm like, the child is growing

516
00:23:09,520 --> 00:23:11,600
Speaker 2: faster and faster every day. I hope you got to

517
00:23:11,680 --> 00:23:15,120
Speaker 2: size whatever you know to tea because at this rate

518
00:23:15,160 --> 00:23:18,159
Speaker 2: that won't have the baptism, but a super soaker. I

519
00:23:18,160 --> 00:23:19,000
Speaker 2: can get down with that.

520
00:23:19,400 --> 00:23:24,240
Speaker 1: Right, Hit up father tim peck what he said? Score score?

521
00:23:24,280 --> 00:23:27,000
Speaker 1: You won't be giving me corona?

522
00:23:27,720 --> 00:23:30,040
Speaker 2: All right, all right, we'll take let's take a quick

523
00:23:30,040 --> 00:24:05,160
Speaker 2: break and we'll come back and get to questions. All right,

524
00:24:05,200 --> 00:24:07,639
Speaker 2: we are back. You guys. Send us your questions. You

525
00:24:07,640 --> 00:24:10,160
Speaker 2: can hit us up at Bronambition Podcast at gmail dot

526
00:24:10,200 --> 00:24:14,280
Speaker 2: com or our Instagram account brand Ambition Podcast on Instagram,

527
00:24:14,520 --> 00:24:17,199
Speaker 2: where I am there to check your questions. Sometimes I

528
00:24:17,280 --> 00:24:21,400
Speaker 2: even respond if that matters to you, So don't be shy.

529
00:24:21,520 --> 00:24:24,879
Speaker 2: Send us your questions. We love to get your responses. Actually,

530
00:24:24,920 --> 00:24:26,920
Speaker 2: one of you guys reached out. I know, Tiffany, last

531
00:24:26,920 --> 00:24:29,400
Speaker 2: week you talked about the appraisal you guys got on

532
00:24:29,480 --> 00:24:33,240
Speaker 2: your home and you weren't really happy. This person says,

533
00:24:33,280 --> 00:24:36,040
Speaker 2: I'm an appraiser in Canada, and she says I wouldn't

534
00:24:36,080 --> 00:24:38,600
Speaker 2: be too stressed about the fact that it was twenty

535
00:24:38,600 --> 00:24:41,560
Speaker 2: five thousand dollars less than what you expected. The market

536
00:24:41,600 --> 00:24:43,600
Speaker 2: is super sketchy right now because no one has any

537
00:24:43,600 --> 00:24:45,240
Speaker 2: idea where the market will go. And we can be

538
00:24:45,320 --> 00:24:50,520
Speaker 2: sued by lenders if we overvalue homes. Okay, see it

539
00:24:50,560 --> 00:24:51,920
Speaker 2: from her perspective, tiff.

540
00:24:51,920 --> 00:24:53,760
Speaker 3: Yeah, And honestly, the guys were really nice and I'm

541
00:24:53,760 --> 00:24:55,440
Speaker 3: not gonna lie. When they walk the house, they were

542
00:24:55,440 --> 00:24:56,240
Speaker 3: definitely like, this is.

543
00:24:56,160 --> 00:24:59,159
Speaker 1: Such a beautiful home. It's so well done, you know,

544
00:24:59,359 --> 00:25:03,080
Speaker 1: So it didn't seem you know, it didn't seem like

545
00:25:03,080 --> 00:25:06,200
Speaker 1: they were like mm yeah, I mean, but sometimes people

546
00:25:06,280 --> 00:25:06,639
Speaker 1: have You know.

547
00:25:06,960 --> 00:25:09,760
Speaker 3: The thing is some people have sometimes you have unchecked bias.

548
00:25:09,960 --> 00:25:12,119
Speaker 3: That's what my concern was. I didn't feel like they

549
00:25:12,160 --> 00:25:14,119
Speaker 3: were like, oh, blacks.

550
00:25:13,800 --> 00:25:19,360
Speaker 1: Like not at all, but sometimes it's like subconsciously yeah, of.

551
00:25:19,320 --> 00:25:24,200
Speaker 2: Course, you know. Yeah. Another listener shout out to Canada.

552
00:25:24,240 --> 00:25:26,520
Speaker 2: She's from Canada too, says him. Tiff and Mandy. I

553
00:25:26,560 --> 00:25:28,440
Speaker 2: just want to say, Tiffany that I enjoy hearing about

554
00:25:28,480 --> 00:25:31,879
Speaker 2: your IVF process and your uterus. You should tell that

555
00:25:31,960 --> 00:25:34,240
Speaker 2: lady who made that mean, uterous comment to go jump.

556
00:25:34,680 --> 00:25:37,840
Speaker 2: She doesn't stay aware, but just say jump. Love you ladies,

557
00:25:37,960 --> 00:25:39,760
Speaker 2: Thank you guys. If you don't have a question, feel

558
00:25:39,800 --> 00:25:42,000
Speaker 2: free to leave us praise. We accept any and all,

559
00:25:42,640 --> 00:25:46,160
Speaker 2: any and all praise. Okay, okay. Our first question comes

560
00:25:46,160 --> 00:25:51,040
Speaker 2: from Instagram. We'll just call this user Jamie. Jamie says,

561
00:25:51,080 --> 00:25:53,880
Speaker 2: I'm a grad student fully funded with a stipend, but

562
00:25:53,920 --> 00:25:57,600
Speaker 2: my transition to school simultaneously happened when my partner lost

563
00:25:57,600 --> 00:26:00,159
Speaker 2: his job. Over the last three months, all of my

564
00:26:00,160 --> 00:26:02,639
Speaker 2: credit cards were closed. How do I handle closed credit

565
00:26:02,640 --> 00:26:06,920
Speaker 2: cards to improve my credit? Thank you? Jamie. Now this

566
00:26:06,960 --> 00:26:10,000
Speaker 2: is leaving a couple of holes, like, we're not sure

567
00:26:10,160 --> 00:26:12,199
Speaker 2: why her cards were closed. What are some reasons your

568
00:26:12,200 --> 00:26:13,240
Speaker 2: credit card might be closed to?

569
00:26:14,160 --> 00:26:18,240
Speaker 3: So some reasons your credit card might be closed are one,

570
00:26:18,640 --> 00:26:21,440
Speaker 3: maybe you're behind on your credit cards, which doesn't sound

571
00:26:21,480 --> 00:26:23,080
Speaker 3: like because I feel like you would have mentioned that.

572
00:26:23,600 --> 00:26:26,400
Speaker 3: Two you might be inactive because this has happened where

573
00:26:26,400 --> 00:26:27,960
Speaker 3: I just have not used a credit card in such

574
00:26:27,960 --> 00:26:28,320
Speaker 3: a long time.

575
00:26:28,359 --> 00:26:29,880
Speaker 1: They're like, girl, you tried it, you don't want.

576
00:26:29,840 --> 00:26:34,480
Speaker 3: Us yeah, Or three this is the shady underbelly. Let's

577
00:26:34,560 --> 00:26:37,399
Speaker 3: just say you're late with something else, something totally un like,

578
00:26:37,560 --> 00:26:40,280
Speaker 3: seemingly unrelated, like when I lost my house to foreclosure.

579
00:26:40,880 --> 00:26:43,679
Speaker 3: Then I remember I had a credit card that was like, girls,

580
00:26:43,720 --> 00:26:45,280
Speaker 3: since we heard about you in these streets, you won't

581
00:26:45,320 --> 00:26:46,520
Speaker 3: be using our card to stay afloat.

582
00:26:47,080 --> 00:26:47,639
Speaker 1: They closed.

583
00:26:47,720 --> 00:26:52,360
Speaker 3: Oh wow, yeah, So sometimes what happens in other areas

584
00:26:52,359 --> 00:26:55,960
Speaker 3: of your financial life, can you know your other creditors

585
00:26:56,000 --> 00:26:57,879
Speaker 3: can get wind of that. So even though I had

586
00:26:57,880 --> 00:26:59,520
Speaker 3: never been laid on that credit card, I had credit

587
00:26:59,520 --> 00:27:02,359
Speaker 3: cards that wear my limits and I had won that

588
00:27:02,440 --> 00:27:04,960
Speaker 3: close because the one that closed, I wasn't really using it,

589
00:27:04,960 --> 00:27:07,120
Speaker 3: and they were kind of like, I guess the worry is, well,

590
00:27:07,160 --> 00:27:09,840
Speaker 3: if you're going through foreclosure, you might lean on us

591
00:27:10,200 --> 00:27:12,879
Speaker 3: and use this credit card to make ends meet. So

592
00:27:13,720 --> 00:27:16,520
Speaker 3: those are some of the reasons I suspect from the email.

593
00:27:16,520 --> 00:27:18,840
Speaker 3: It sounds like maybe you weren't using them, That's what

594
00:27:18,840 --> 00:27:19,399
Speaker 3: it sounds like.

595
00:27:20,359 --> 00:27:22,760
Speaker 2: Yeah, well, okay, so let's just assume that she hasn't

596
00:27:22,800 --> 00:27:26,000
Speaker 2: been using them. So she's in grad school, she's basically

597
00:27:26,040 --> 00:27:29,520
Speaker 2: living off of her stipend, and her partner's lost his job,

598
00:27:29,560 --> 00:27:31,879
Speaker 2: so she's wondering, okay, and it sounds like her credit

599
00:27:31,920 --> 00:27:34,560
Speaker 2: is poor because she's asking, how can I improve my

600
00:27:34,640 --> 00:27:37,760
Speaker 2: credit when I have these closed credit cards? So a

601
00:27:37,800 --> 00:27:40,320
Speaker 2: couple of ways. One, if your credit is not so

602
00:27:40,400 --> 00:27:42,160
Speaker 2: great and you're looking to improve it, but you don't

603
00:27:42,160 --> 00:27:44,600
Speaker 2: have credit cards, you could, I would say, go to

604
00:27:44,640 --> 00:27:46,520
Speaker 2: a credit union or go online and look for a

605
00:27:46,560 --> 00:27:49,560
Speaker 2: secured credit card, which will allow you to put a

606
00:27:49,600 --> 00:27:52,240
Speaker 2: deposit down on the card, and then you that sort

607
00:27:52,240 --> 00:27:54,399
Speaker 2: of acts as a security of course for your card,

608
00:27:54,480 --> 00:27:57,120
Speaker 2: and then you make payments on it quote unquote over

609
00:27:57,160 --> 00:27:59,960
Speaker 2: what like twelve months or so, and the bank will

610
00:28:00,080 --> 00:28:03,520
Speaker 2: report those on time payments to the credit bureaus. And

611
00:28:03,560 --> 00:28:07,560
Speaker 2: that can help boost your score. Otherwise you could just

612
00:28:07,600 --> 00:28:10,679
Speaker 2: take out another credit card, you know. I would just

613
00:28:10,720 --> 00:28:13,639
Speaker 2: say it would really depend on why your cards were closed.

614
00:28:13,680 --> 00:28:16,560
Speaker 2: You don't want to get back down into a hole

615
00:28:16,600 --> 00:28:19,120
Speaker 2: of debt if if that was the reason. Yeah, if

616
00:28:19,119 --> 00:28:22,360
Speaker 2: that's the reason. But if you can be responsible, you know.

617
00:28:22,800 --> 00:28:25,119
Speaker 3: I would also say too that. I mean, there's a

618
00:28:25,160 --> 00:28:26,760
Speaker 3: company called self that does this. But you can go

619
00:28:26,840 --> 00:28:29,720
Speaker 3: to a credit union and ask if they have a

620
00:28:29,880 --> 00:28:33,400
Speaker 3: credit builder loan and so yes, what that is it's

621
00:28:33,400 --> 00:28:37,280
Speaker 3: like that faux loan fault foe. Yeah, a fau goo

622
00:28:37,359 --> 00:28:40,600
Speaker 3: is a French anyway. That's when you go to a

623
00:28:40,600 --> 00:28:43,520
Speaker 3: credit union or you go to Self, that former self lender,

624
00:28:43,640 --> 00:28:47,000
Speaker 3: and you ask, what's the smallest amount you can quote

625
00:28:47,040 --> 00:28:49,640
Speaker 3: unquote borrow, And I think like, typically it's like five

626
00:28:49,680 --> 00:28:52,360
Speaker 3: hundred dollars. So you sign up, you're gonna borrow this

627
00:28:52,400 --> 00:28:54,840
Speaker 3: five hundred. But wait, they don't actually give you the

628
00:28:54,880 --> 00:28:58,320
Speaker 3: five hundred. Instead, they put it in a money market

629
00:28:58,360 --> 00:29:00,000
Speaker 3: account or a savings account for you.

630
00:29:00,800 --> 00:29:02,440
Speaker 1: But still technically, as.

631
00:29:02,280 --> 00:29:04,520
Speaker 3: Far as the books are concerned, you borrowed five hundred

632
00:29:04,520 --> 00:29:07,240
Speaker 3: dollars and then you start paying it back, typically over

633
00:29:07,280 --> 00:29:09,480
Speaker 3: a year. It's like forty one dollars a month or

634
00:29:09,480 --> 00:29:12,040
Speaker 3: something like that, or fifty one bucks a month if

635
00:29:12,120 --> 00:29:15,360
Speaker 3: you take out the five hundred and then after a year,

636
00:29:15,960 --> 00:29:18,520
Speaker 3: because you never got that money and you paid back

637
00:29:18,560 --> 00:29:20,800
Speaker 3: that loan, you actually get your five hundred dollars plus

638
00:29:20,800 --> 00:29:24,800
Speaker 3: the interests back and they report that you have made

639
00:29:24,800 --> 00:29:27,760
Speaker 3: twelve months of on time payment and you paid off

640
00:29:27,760 --> 00:29:30,640
Speaker 3: a loan in full, so you get a boost. There's

641
00:29:30,680 --> 00:29:33,320
Speaker 3: no way for me to tell how big the boost

642
00:29:33,360 --> 00:29:35,960
Speaker 3: is going to be. It depends on your other credit history.

643
00:29:36,000 --> 00:29:38,280
Speaker 3: But typically, you know, people can get anywhere. I mean,

644
00:29:38,280 --> 00:29:40,080
Speaker 3: I've heard people get a hundred point boots, I've heard

645
00:29:40,120 --> 00:29:42,600
Speaker 3: people get thirty points. Like I said, it depends on

646
00:29:42,640 --> 00:29:46,640
Speaker 3: your other credit history, so you don't have to get

647
00:29:46,640 --> 00:29:49,440
Speaker 3: a credit card. If you're nervous about that, you can

648
00:29:49,480 --> 00:29:51,600
Speaker 3: certainly look into these credit builder loans.

649
00:29:52,160 --> 00:29:54,480
Speaker 2: That's a great one. I always forget about those my dad.

650
00:29:54,640 --> 00:29:57,160
Speaker 2: My dad is a fan of credit builder loans. It's

651
00:29:57,160 --> 00:29:58,960
Speaker 2: also a good way to start a relationship with the

652
00:29:59,000 --> 00:30:02,080
Speaker 2: bank or credit union. All right, well, thank you for

653
00:30:02,120 --> 00:30:04,160
Speaker 2: your question, and she says she was a listener since

654
00:30:04,160 --> 00:30:06,040
Speaker 2: twenty sixteen, so thank you very much for.

655
00:30:06,040 --> 00:30:09,680
Speaker 1: Being from the beginning. Thank you for being a friend.

656
00:30:10,160 --> 00:30:11,440
Speaker 2: Yes, ma'am, which you know.

657
00:30:12,760 --> 00:30:13,040
Speaker 1: I know.

658
00:30:13,320 --> 00:30:15,760
Speaker 2: Come on now, you've already dragged me for not having

659
00:30:15,840 --> 00:30:18,640
Speaker 2: seen The Golden Girls. I did watch some episodes on

660
00:30:18,720 --> 00:30:22,000
Speaker 2: Hulu Funny Show, and so many storylines ripped off in

661
00:30:22,000 --> 00:30:26,240
Speaker 2: today's gland sitcoms for real, Yes, you know what. I

662
00:30:26,280 --> 00:30:29,440
Speaker 2: found a question from our email that I marked as

663
00:30:29,440 --> 00:30:30,920
Speaker 2: a goodie, but I forgot to get to it. So

664
00:30:31,000 --> 00:30:33,000
Speaker 2: let me let's take this question. I love these. This

665
00:30:33,040 --> 00:30:35,000
Speaker 2: is basically, when I've got a bunch of money, I

666
00:30:35,000 --> 00:30:36,360
Speaker 2: don't know how to spend it. What's the right way

667
00:30:36,360 --> 00:30:39,680
Speaker 2: to spend it? Good problem to have. This one comes

668
00:30:39,680 --> 00:30:42,400
Speaker 2: from a listener who wants to be anonymous, so I

669
00:30:42,440 --> 00:30:45,720
Speaker 2: will not say their name. They say, my question is

670
00:30:45,760 --> 00:30:48,840
Speaker 2: I'm anticipating coming into a large lump sum of money

671
00:30:48,840 --> 00:30:52,320
Speaker 2: anywhere from thirty thousand to fifty thousand dollars. I currently

672
00:30:52,360 --> 00:30:55,840
Speaker 2: have five thousand dollars in savings and approximately twenty nine

673
00:30:55,840 --> 00:30:59,280
Speaker 2: thousand dollars in debt that consists of but mostly on

674
00:30:59,360 --> 00:31:02,160
Speaker 2: credit cards, and a loan that she has with the

675
00:31:02,160 --> 00:31:07,200
Speaker 2: balance of fifteen k Okay. Interesting, so let's recap she

676
00:31:07,240 --> 00:31:10,280
Speaker 2: has thirty. She has thirty to fifty thousand dollars coming

677
00:31:10,560 --> 00:31:13,440
Speaker 2: and about that much thirty thousand dollars in debt. She

678
00:31:13,480 --> 00:31:16,120
Speaker 2: only has five thousand dollars in savings. Okay, we know that.

679
00:31:16,360 --> 00:31:18,600
Speaker 2: So she goes on to say, my credit score is great,

680
00:31:18,640 --> 00:31:20,920
Speaker 2: mid seven hundreds. I own a co op in New York,

681
00:31:20,960 --> 00:31:23,800
Speaker 2: where I've lived for over twelve years, but my kitchen

682
00:31:23,840 --> 00:31:26,440
Speaker 2: and bathroom are due for an update. I need some

683
00:31:26,480 --> 00:31:29,280
Speaker 2: advice on how I should proceed. My options are pay

684
00:31:29,280 --> 00:31:31,520
Speaker 2: off just a credit card debt and continue to pay

685
00:31:31,560 --> 00:31:34,160
Speaker 2: off my loan and either save the rest and take

686
00:31:34,160 --> 00:31:36,560
Speaker 2: a home equity loan or use the balance to cover

687
00:31:36,760 --> 00:31:38,920
Speaker 2: the work. I could also pay off everything with the

688
00:31:39,040 --> 00:31:41,320
Speaker 2: lump sum that I have, or pay for the reservations

689
00:31:41,720 --> 00:31:44,160
Speaker 2: with the money that I'm expecting, and continue to pay

690
00:31:44,200 --> 00:31:47,560
Speaker 2: down my existing debt like I have been. So what

691
00:31:47,600 --> 00:31:50,600
Speaker 2: should she do? First of all, with all this money

692
00:31:50,600 --> 00:31:52,280
Speaker 2: coming your way, congrats, that's awesome.

693
00:31:52,440 --> 00:31:58,000
Speaker 1: Yeah woo. So the I'm trying to think what would

694
00:31:58,000 --> 00:31:58,200
Speaker 1: I do?

695
00:31:58,280 --> 00:32:01,240
Speaker 3: Okay, So first thing first, I'd say to myself, five

696
00:32:01,240 --> 00:32:04,160
Speaker 3: thousand dollars in savings to me is not enough savings,

697
00:32:04,280 --> 00:32:06,400
Speaker 3: especially during quarantine.

698
00:32:07,320 --> 00:32:08,680
Speaker 1: Because it's just shaky times.

699
00:32:08,720 --> 00:32:11,000
Speaker 3: So I would want to boost up my savings at

700
00:32:11,160 --> 00:32:13,720
Speaker 3: least to three months of essentral bills.

701
00:32:13,760 --> 00:32:14,880
Speaker 1: So you're doodle budget, right.

702
00:32:15,560 --> 00:32:17,680
Speaker 3: That means if you have to eat romen noodles, what's

703
00:32:17,760 --> 00:32:20,720
Speaker 3: your cheapest life, you know, and so whatever that is,

704
00:32:20,760 --> 00:32:23,640
Speaker 3: I would have at least three. I'm leaning more towards six,

705
00:32:23,680 --> 00:32:25,520
Speaker 3: but I'm trying to give you a little leewa because

706
00:32:25,560 --> 00:32:27,520
Speaker 3: I know everybody doesn't want to do six months. So

707
00:32:27,560 --> 00:32:29,959
Speaker 3: that's what i'd want to do first, because I don't know,

708
00:32:30,120 --> 00:32:32,720
Speaker 3: especially if you're in New York, we don't know what

709
00:32:32,880 --> 00:32:35,400
Speaker 3: thing happen. So I would do that first, and then

710
00:32:36,480 --> 00:32:38,600
Speaker 3: I would look at the the debt that had the

711
00:32:38,680 --> 00:32:43,960
Speaker 3: highest interest rate and figure out huh, because there's nothing.

712
00:32:44,000 --> 00:32:46,280
Speaker 3: I mean, you could get a home equity line of credit,

713
00:32:46,400 --> 00:32:48,640
Speaker 3: but check what's the interest rate on that going to be?

714
00:32:49,160 --> 00:32:49,560
Speaker 1: So check.

715
00:32:49,800 --> 00:32:51,640
Speaker 3: I suspect it's going to be lower than your credit

716
00:32:51,640 --> 00:32:55,160
Speaker 3: card debt because credit card debt is usually double figures

717
00:32:55,160 --> 00:32:58,280
Speaker 3: and interest. So and right now, interest rates if your

718
00:32:58,320 --> 00:33:01,200
Speaker 3: credit score is good and you got equity in the home,

719
00:33:01,280 --> 00:33:03,080
Speaker 3: like we were able to get a rate three point

720
00:33:03,120 --> 00:33:07,000
Speaker 3: twenty five percent, so that's incredibly low as far as

721
00:33:07,280 --> 00:33:11,360
Speaker 3: historic rates go. So I would I would prefer that

722
00:33:11,440 --> 00:33:14,000
Speaker 3: you be if you can get yourself to at least

723
00:33:14,000 --> 00:33:17,280
Speaker 3: three months of savings, then I would put some of

724
00:33:17,320 --> 00:33:21,160
Speaker 3: that excess money toward paying down the debt that's expensive,

725
00:33:21,200 --> 00:33:23,240
Speaker 3: so your credit card debt, and then if I was

726
00:33:23,240 --> 00:33:25,280
Speaker 3: going to pull out, I don't, I don't know how

727
00:33:25,320 --> 00:33:28,760
Speaker 3: I feel about Well, I'm just thinking about like taking

728
00:33:28,760 --> 00:33:31,160
Speaker 3: on new debt during times like these. As far as

729
00:33:31,200 --> 00:33:34,680
Speaker 3: taking out a home equity line, it depends what do

730
00:33:34,720 --> 00:33:37,200
Speaker 3: you do for a living, because you know, like me

731
00:33:37,240 --> 00:33:39,120
Speaker 3: and Superman pulled money out of this house. But the

732
00:33:39,160 --> 00:33:42,840
Speaker 3: truth is we could pay for our life for like

733
00:33:42,880 --> 00:33:44,800
Speaker 3: the next five years if we wanted to without working.

734
00:33:45,080 --> 00:33:49,120
Speaker 3: So I just am nervous about incurring new debt during

735
00:33:49,160 --> 00:33:50,120
Speaker 3: times like these.

736
00:33:50,600 --> 00:33:52,040
Speaker 1: But you're grown.

737
00:33:52,080 --> 00:33:53,840
Speaker 3: So if you really do want to, you know, pull

738
00:33:53,880 --> 00:33:56,280
Speaker 3: out money from your house, the intrance rates are low,

739
00:33:56,520 --> 00:33:58,880
Speaker 3: and I'd prefer you borrow from there and pay off

740
00:33:58,880 --> 00:34:01,160
Speaker 3: the expensive Yeah.

741
00:34:01,240 --> 00:34:03,760
Speaker 2: As a fellow homeowner, I have, all three of us

742
00:34:03,760 --> 00:34:06,920
Speaker 2: are homeowners. I so for we have been wanting to

743
00:34:06,960 --> 00:34:09,960
Speaker 2: do our backyard like and put an actual patio out there,

744
00:34:10,000 --> 00:34:12,120
Speaker 2: make it nice. Do some landscaping, and we were supposed

745
00:34:12,120 --> 00:34:14,160
Speaker 2: to do it this summer once we finally had finished

746
00:34:14,200 --> 00:34:17,000
Speaker 2: paying off a couple of zero interest loans that we

747
00:34:17,000 --> 00:34:19,360
Speaker 2: had taken out for some work on the initial renovation.

748
00:34:20,120 --> 00:34:23,080
Speaker 2: But then the coronavirus pandemic hit and I just don't

749
00:34:23,080 --> 00:34:27,240
Speaker 2: feel comfortable personally now putting money into what I considered

750
00:34:27,280 --> 00:34:31,120
Speaker 2: to be an elective procedure. And I know you say

751
00:34:31,120 --> 00:34:33,160
Speaker 2: that your kitchen and bathroom are due for an update,

752
00:34:33,200 --> 00:34:37,719
Speaker 2: but like according to who's schedule? I really I'm on

753
00:34:37,760 --> 00:34:40,200
Speaker 2: the conservative side. I'm similar. You know, good credit, own

754
00:34:40,239 --> 00:34:42,719
Speaker 2: a house, been here for a while, et cetera. But

755
00:34:42,880 --> 00:34:46,040
Speaker 2: you have all this debt and credit card debt being

756
00:34:46,320 --> 00:34:49,800
Speaker 2: half of it fourteen thousand dollars. If you're expecting this windfall,

757
00:34:49,920 --> 00:34:51,680
Speaker 2: I say take advantage of it. You may not get

758
00:34:51,680 --> 00:34:54,759
Speaker 2: this opportunity again to pay that debt and get back

759
00:34:54,760 --> 00:34:57,880
Speaker 2: in the black. And if your job is secure, you

760
00:34:57,920 --> 00:35:00,359
Speaker 2: know you can save up on top of that, so

761
00:35:00,360 --> 00:35:02,680
Speaker 2: you can set aside. Maybe you start with three months

762
00:35:02,719 --> 00:35:04,880
Speaker 2: of savings like Tiffany said, and then you take the

763
00:35:04,880 --> 00:35:07,440
Speaker 2: bigger chunk of that loan and put it toward your

764
00:35:07,440 --> 00:35:09,560
Speaker 2: credit debt. At least, and even that loan with the

765
00:35:09,600 --> 00:35:13,960
Speaker 2: balance as well. You should also consider whether you're applying

766
00:35:14,000 --> 00:35:15,960
Speaker 2: for a home equity loan or a home improvement loan,

767
00:35:15,960 --> 00:35:17,840
Speaker 2: which is a type of personal loan to pay for

768
00:35:18,880 --> 00:35:21,759
Speaker 2: a home remodel, kitchen, or bathroom update. They're going to

769
00:35:21,840 --> 00:35:23,400
Speaker 2: pull your credit and they're going to look out your

770
00:35:23,440 --> 00:35:26,799
Speaker 2: debt to income ratio and twenty nine thousand dollars worth

771
00:35:26,800 --> 00:35:29,840
Speaker 2: of credit debt and an installment loan. It sounds like

772
00:35:29,920 --> 00:35:33,960
Speaker 2: that's going to and that's going to in what's the word,

773
00:35:33,960 --> 00:35:36,799
Speaker 2: I'm looking impact the rates and thank you, I can't

774
00:35:36,800 --> 00:35:39,640
Speaker 2: think of words impact the rate? So how expensive that

775
00:35:39,640 --> 00:35:41,800
Speaker 2: debt is going to be even with your high credit score?

776
00:35:42,120 --> 00:35:44,680
Speaker 2: And right now a lot of banks are tightening up

777
00:35:44,680 --> 00:35:47,239
Speaker 2: on lending because of what's going on. And you know,

778
00:35:47,280 --> 00:35:50,239
Speaker 2: you may have the credit score and gainful employment. I

779
00:35:50,280 --> 00:35:52,840
Speaker 2: think you probably are. You'd probably get approved, but you

780
00:35:52,920 --> 00:35:55,640
Speaker 2: may be a higher rate than maybe you could get

781
00:35:55,640 --> 00:35:57,040
Speaker 2: if you were to pay off some of that debt.

782
00:35:57,719 --> 00:36:01,520
Speaker 2: Just think about these kinds of things. And personally, I

783
00:36:01,600 --> 00:36:05,640
Speaker 2: am putting off the big backyard remodel until next summer.

784
00:36:05,680 --> 00:36:07,600
Speaker 2: It's just not anything.

785
00:36:07,719 --> 00:36:09,720
Speaker 3: Because I feel comfortable with even some of my friends

786
00:36:09,880 --> 00:36:11,440
Speaker 3: are been like, you know, Tiffany, I want to buy

787
00:36:11,480 --> 00:36:15,440
Speaker 3: a house now. And I'm like, let me tell you.

788
00:36:15,480 --> 00:36:18,239
Speaker 3: I bought my house before the last pro session. Remember

789
00:36:18,320 --> 00:36:20,400
Speaker 3: I told you I looked online. I was like, yikes,

790
00:36:20,800 --> 00:36:23,600
Speaker 3: it sticks out like a sore thumb. Then I totally

791
00:36:23,680 --> 00:36:26,160
Speaker 3: overpaid for it. And so I'm just kind of like,

792
00:36:26,400 --> 00:36:30,080
Speaker 3: I just you know, I mean, but people are grown,

793
00:36:30,120 --> 00:36:31,520
Speaker 3: and you know, they're like, no, I want a house now.

794
00:36:31,560 --> 00:36:34,680
Speaker 3: So I'm like, well, I mean I believe, you know,

795
00:36:34,760 --> 00:36:36,360
Speaker 3: I don't believe in just telling people absent and so

796
00:36:36,400 --> 00:36:37,160
Speaker 3: they don't get pregnant.

797
00:36:37,200 --> 00:36:38,720
Speaker 1: I'm like, well, let me give you the condom.

798
00:36:38,880 --> 00:36:42,279
Speaker 3: So here's some you know, so but just know that,

799
00:36:42,440 --> 00:36:44,600
Speaker 3: like we should at least tell you guys what we think,

800
00:36:44,719 --> 00:36:45,799
Speaker 3: like what we would do.

801
00:36:45,880 --> 00:36:47,840
Speaker 1: Like honestly, I wouldn't renovate right now.

802
00:36:48,520 --> 00:36:51,000
Speaker 3: Well only because I'd be nervous about taking on new

803
00:36:51,040 --> 00:36:54,200
Speaker 3: debt if I didn't at least have a really solid

804
00:36:55,800 --> 00:37:00,600
Speaker 3: savings account, because anything's liable to happen. I mean, you've heard,

805
00:37:00,600 --> 00:37:02,040
Speaker 3: like you know, now they have this thing called the

806
00:37:02,080 --> 00:37:05,280
Speaker 3: Heroes Act, and then the Senate has also put forward

807
00:37:05,320 --> 00:37:08,919
Speaker 3: another the Senate Bill where I think the Senate bill

808
00:37:08,960 --> 00:37:10,880
Speaker 3: is like they're wanting it to give us like twelve

809
00:37:10,960 --> 00:37:14,399
Speaker 3: hundred bucks a month, and the Heroes act it's like, well,

810
00:37:14,400 --> 00:37:15,120
Speaker 3: I don't think they're.

811
00:37:14,960 --> 00:37:15,480
Speaker 1: Going to pass.

812
00:37:15,600 --> 00:37:17,560
Speaker 2: Yeah, it's probably not going to pass.

813
00:37:17,800 --> 00:37:21,160
Speaker 3: Yes, meaning like everything is so everything is so flagrantly

814
00:37:21,239 --> 00:37:24,399
Speaker 3: out there, meaning that the government is talking about giving

815
00:37:24,400 --> 00:37:26,839
Speaker 3: twenty dollars a month twelve hundred Maybe this maybe that

816
00:37:27,160 --> 00:37:29,759
Speaker 3: it's so wild and crazy that the only thing that

817
00:37:29,800 --> 00:37:32,799
Speaker 3: you can control is what happens in your household. So

818
00:37:32,920 --> 00:37:34,879
Speaker 3: I'm just I just urge people to be a little

819
00:37:34,880 --> 00:37:38,640
Speaker 3: bit more conservative during times like this until we can

820
00:37:38,719 --> 00:37:41,360
Speaker 3: kind of like reach our reach the middle where we're like, okay,

821
00:37:41,360 --> 00:37:44,000
Speaker 3: this is where we are. I wouldn't be making any huge,

822
00:37:44,080 --> 00:37:46,040
Speaker 3: huge moves right about now.

823
00:37:46,480 --> 00:37:49,279
Speaker 2: Yeah, reflects your diym alsco. Like my husband's been doing,

824
00:37:49,960 --> 00:37:52,239
Speaker 2: bless his heart, doing all kinds of little projects because

825
00:37:52,239 --> 00:37:54,239
Speaker 2: I'm too stingy to hire anybody.

826
00:37:54,880 --> 00:37:55,440
Speaker 1: That's how it be.

827
00:37:55,480 --> 00:37:59,040
Speaker 2: Sometimes YouTube has a wealth of knowledge and that it's

828
00:37:59,080 --> 00:38:00,640
Speaker 2: loved to provide you. I think we're gonna have a

829
00:38:00,680 --> 00:38:02,759
Speaker 2: special guest and his name is Rio. Any minute now.

830
00:38:03,000 --> 00:38:06,120
Speaker 2: I can just feel the energy from downstairs Daddy's like,

831
00:38:06,680 --> 00:38:10,960
Speaker 2: I'm coming up there, but let's take a quick break

832
00:38:11,000 --> 00:38:14,440
Speaker 2: and do our brown boost brown break. Are you gonna boost?

833
00:38:14,440 --> 00:38:16,000
Speaker 2: Are you gonna break? What will you do?

834
00:38:16,080 --> 00:38:16,279
Speaker 1: Oh?

835
00:38:16,280 --> 00:38:18,480
Speaker 2: I skipped the beginning of what will you Do? Tiffany,

836
00:38:18,760 --> 00:38:22,160
Speaker 2: I skipped the beginning of the song. Sorry, that was

837
00:38:22,200 --> 00:38:25,360
Speaker 2: the worst. I took your segue and I made it worse.

838
00:38:25,600 --> 00:38:27,920
Speaker 2: You're welcome, all right, Fine, you can do it.

839
00:38:28,280 --> 00:38:32,200
Speaker 1: No, no, no, that's fine. That's cute.

840
00:38:32,520 --> 00:38:34,920
Speaker 3: I'm gonna boosty break, but like in fun ways, so

841
00:38:35,560 --> 00:38:37,520
Speaker 3: I'm gonna boost so this weekend.

842
00:38:37,680 --> 00:38:38,880
Speaker 1: I'm a little nervous about it.

843
00:38:38,920 --> 00:38:41,319
Speaker 3: But so there's this new show called fee Ar Not

844
00:38:41,880 --> 00:38:43,520
Speaker 3: with Ian I think I told you guys before I

845
00:38:43,520 --> 00:38:46,400
Speaker 3: had taped it. Oh yeah, but my segment is airing

846
00:38:46,480 --> 00:38:51,960
Speaker 3: this weekend. So swoody palm, swooty palm. I know, yes,

847
00:38:52,000 --> 00:38:54,920
Speaker 3: on the own network, on the actual television. But the

848
00:38:55,000 --> 00:38:56,200
Speaker 3: good thing is I'm not gonna lie. You can go

849
00:38:56,200 --> 00:38:58,280
Speaker 3: ahead and get that app you can watch for free,

850
00:38:58,600 --> 00:39:00,320
Speaker 3: but I think you you don't get to watch the

851
00:39:00,320 --> 00:39:03,279
Speaker 3: show until after. So actually, speaking of which, I gotta

852
00:39:03,280 --> 00:39:06,120
Speaker 3: get owned. There's like a seven day free trial because.

853
00:39:05,880 --> 00:39:06,480
Speaker 1: I don't have own.

854
00:39:06,520 --> 00:39:09,279
Speaker 2: I didn't you are in the budgeting STA. That's very

855
00:39:09,280 --> 00:39:09,760
Speaker 2: on brand.

856
00:39:10,200 --> 00:39:10,560
Speaker 1: I know.

857
00:39:10,920 --> 00:39:13,160
Speaker 3: I'm like, Oh I forgot, I did, I didn't decide

858
00:39:13,200 --> 00:39:15,439
Speaker 3: up for own, so yeah, I would love.

859
00:39:15,480 --> 00:39:17,960
Speaker 1: We're gonna do like a watch party. I'm gonna go

860
00:39:18,000 --> 00:39:19,240
Speaker 1: and want to do a live after.

861
00:39:19,080 --> 00:39:21,320
Speaker 2: Wait a party and pandemic. How are you having a party?

862
00:39:21,560 --> 00:39:23,759
Speaker 3: Oh? No, a watch party meaning like a digital watch party,

863
00:39:23,800 --> 00:39:26,680
Speaker 3: virtual watch. Well, we're like all watched together and like

864
00:39:26,880 --> 00:39:28,920
Speaker 3: I'll maybe like do a post on like ig on

865
00:39:28,960 --> 00:39:32,000
Speaker 3: Facebook so people can comment underneath, and then if people

866
00:39:32,040 --> 00:39:34,200
Speaker 3: share photos and things like that, I'm gonna pick like

867
00:39:34,239 --> 00:39:36,640
Speaker 3: maybe ten or something people to like win whatever one

868
00:39:36,640 --> 00:39:38,000
Speaker 3: of my books and I'll send it to you.

869
00:39:39,160 --> 00:39:42,319
Speaker 1: So it'd be fun. Oh, I just can't believe I forgot.

870
00:39:42,320 --> 00:39:43,359
Speaker 1: I would have been mandy.

871
00:39:43,360 --> 00:39:44,759
Speaker 3: I would have been like, uh, I can't watch my

872
00:39:44,800 --> 00:39:46,399
Speaker 3: own self because I don't have own.

873
00:39:46,800 --> 00:39:48,920
Speaker 1: Let me give myself together. So that's my boost for

874
00:39:48,960 --> 00:39:50,920
Speaker 1: own And then my break is girl. They tried it.

875
00:39:51,040 --> 00:39:54,279
Speaker 3: Someone created this weekend, a fake account, fake budget, these

876
00:39:54,320 --> 00:39:57,880
Speaker 3: to account, another one. It was like budget need to underscore, underscore,

877
00:39:57,920 --> 00:40:00,000
Speaker 3: and normally I'm like whatever, I don't care, but they

878
00:40:00,000 --> 00:40:03,120
Speaker 3: they started messaging people and asking for money. Oh and

879
00:40:03,160 --> 00:40:04,759
Speaker 3: trying to get people to sign up for like fake

880
00:40:05,840 --> 00:40:07,200
Speaker 3: to sign up to like buy bitcoin.

881
00:40:07,239 --> 00:40:09,480
Speaker 1: So all these fake things. So because I.

882
00:40:09,400 --> 00:40:11,240
Speaker 3: Wasn't gonna address it, I'm like, whatever, they'll go away.

883
00:40:11,280 --> 00:40:13,680
Speaker 3: But they weren't, and they were very persistent. So I

884
00:40:13,719 --> 00:40:15,520
Speaker 3: got one taken down in a minute later they had

885
00:40:15,520 --> 00:40:18,000
Speaker 3: a second one up, so it took a while. But

886
00:40:18,200 --> 00:40:20,680
Speaker 3: dreamcatchers do not play. They were ripping that person, I

887
00:40:20,680 --> 00:40:23,759
Speaker 3: mean flinging them from left to right. So they are

888
00:40:23,760 --> 00:40:27,719
Speaker 3: officially gone. But just so you know, flex Instagram has

889
00:40:27,760 --> 00:40:32,560
Speaker 3: just given me my blue check. Finally, I know, I'm

890
00:40:32,640 --> 00:40:33,480
Speaker 3: welcome to the club.

891
00:40:33,640 --> 00:40:34,520
Speaker 1: Congratulations.

892
00:40:36,200 --> 00:40:38,000
Speaker 3: But the good thing about the blue check, honestly, what

893
00:40:38,000 --> 00:40:40,640
Speaker 3: that means is that if you're on Instagram and you

894
00:40:40,680 --> 00:40:43,160
Speaker 3: don't see a blue check, you know it's not me.

895
00:40:44,080 --> 00:40:47,360
Speaker 1: So yeah, that fake account. Bye, you tried it. So

896
00:40:47,480 --> 00:40:50,440
Speaker 1: that's my break. What about you? What's your boosy breaky?

897
00:40:50,719 --> 00:40:53,279
Speaker 2: I don't know. I have eighteen pounds of deliciousness in

898
00:40:53,280 --> 00:40:57,560
Speaker 2: my lap right now and I can't focus. Say Hi, real, Hi, everybody,

899
00:40:57,600 --> 00:41:01,120
Speaker 2: I'm real, and I'm dying to grab these headphones at him.

900
00:41:01,080 --> 00:41:06,440
Speaker 2: Mommy's ear. Let me I genuinely forgot what I was

901
00:41:06,480 --> 00:41:09,640
Speaker 2: going to say. Oh, can I just do a boost

902
00:41:09,640 --> 00:41:13,799
Speaker 2: for chocolate covered espresso beans, which are the fuel to

903
00:41:13,960 --> 00:41:17,280
Speaker 2: my fire After two pm, I tell myself, no more coffee.

904
00:41:17,320 --> 00:41:21,520
Speaker 2: It's beans or nothing else. Let's see. Also a brown

905
00:41:21,560 --> 00:41:25,360
Speaker 2: boost to Rio's uncle Alex aka Drake. I'll give you

906
00:41:25,400 --> 00:41:28,440
Speaker 2: that because I all I have to do now is

907
00:41:28,480 --> 00:41:31,799
Speaker 2: complain that this child is outgrowing his outfits and all

908
00:41:31,840 --> 00:41:34,920
Speaker 2: of a sudden packages are arriving on our doorstep. And

909
00:41:35,120 --> 00:41:37,759
Speaker 2: Uncle Alex said in exchange for all the outfits he

910
00:41:37,800 --> 00:41:40,120
Speaker 2: sent him, this week is fashion week for Rio. And

911
00:41:40,200 --> 00:41:43,040
Speaker 2: so if you follow my little brother Alex Woodruf, I

912
00:41:43,040 --> 00:41:46,239
Speaker 2: don't know what his Instagram handle is, whatever, I'm not

913
00:41:46,280 --> 00:41:49,080
Speaker 2: going to promote it here, please. He would just love

914
00:41:49,120 --> 00:41:53,360
Speaker 2: that too much. Uh, he's featuring Rio and his little outfits.

915
00:41:53,400 --> 00:41:54,360
Speaker 2: But oh my.

916
00:41:54,200 --> 00:41:56,799
Speaker 1: God, no, now you have to get that. I need

917
00:41:56,800 --> 00:41:57,320
Speaker 1: the ig.

918
00:41:57,320 --> 00:42:00,160
Speaker 2: Now, just like yeah, And it's a lot of If

919
00:42:00,160 --> 00:42:02,600
Speaker 2: you like Harry Potter and Falcons gear, you're in for

920
00:42:02,640 --> 00:42:05,640
Speaker 2: a treat. I think there's a Kanye West onesie. He's

921
00:42:05,680 --> 00:42:06,319
Speaker 2: trying to troll me.

922
00:42:06,680 --> 00:42:09,080
Speaker 1: Oh my goodness, I cannot wait. I'm like, no, I'm

923
00:42:09,080 --> 00:42:09,640
Speaker 1: going to find him.

924
00:42:09,640 --> 00:42:13,719
Speaker 3: We're going to find Alex woodruff on on social because

925
00:42:13,760 --> 00:42:14,640
Speaker 3: I'm like, I need to see this.

926
00:42:14,920 --> 00:42:17,239
Speaker 2: Yes, And now you guys know exactly what it's like

927
00:42:17,280 --> 00:42:19,520
Speaker 2: working with a baby. He just is dropped in your

928
00:42:19,600 --> 00:42:21,839
Speaker 2: lap and you forget everything that you were trying to do.

929
00:42:22,239 --> 00:42:24,920
Speaker 2: And this is why I write everything down and I

930
00:42:25,000 --> 00:42:28,840
Speaker 2: have Siri. Tell me that's the real boost Siri Reminder app.

931
00:42:29,000 --> 00:42:30,960
Speaker 2: All you have to do is say, hey, Siri, remind

932
00:42:31,000 --> 00:42:33,120
Speaker 2: me to send that email at eight pm. I do

933
00:42:33,160 --> 00:42:35,640
Speaker 2: that all day long. And that is Siri is the

934
00:42:35,719 --> 00:42:37,600
Speaker 2: real workhorse in this household.

935
00:42:38,560 --> 00:42:41,279
Speaker 3: I'm afraid to say her name because my computer will

936
00:42:41,320 --> 00:42:42,480
Speaker 3: be like, yes, hello.

937
00:42:42,400 --> 00:42:44,960
Speaker 2: I'm talking to you. She's just ready to help you,

938
00:42:45,760 --> 00:42:47,680
Speaker 2: and I'll do it. Yeah, since, like you know, I'm

939
00:42:47,680 --> 00:42:49,760
Speaker 2: still rambling. I'll do a brown break for this damn

940
00:42:49,800 --> 00:42:53,760
Speaker 2: mommy's thumb risk situation because it's not getting any better, y'all.

941
00:42:54,040 --> 00:42:56,080
Speaker 2: And I've heard from lots of mamas on the Gram

942
00:42:56,160 --> 00:42:58,040
Speaker 2: whenever they see that I have my brace and I'm

943
00:42:58,120 --> 00:43:00,600
Speaker 2: wrapping it in K tape and all that stuff TA tape,

944
00:43:01,160 --> 00:43:04,560
Speaker 2: it's still so painful. I think I'm finally gonna see

945
00:43:04,560 --> 00:43:07,040
Speaker 2: an actual doctor to get to the bottom of it,

946
00:43:07,120 --> 00:43:11,160
Speaker 2: because there's just everyone's like rested, Like how houseway, how

947
00:43:11,160 --> 00:43:13,400
Speaker 2: do you do that with a with an infant? But

948
00:43:13,440 --> 00:43:17,400
Speaker 2: it's super duper painful and I just I need my

949
00:43:17,480 --> 00:43:22,320
Speaker 2: I need my hand back. All right, I'm done. All right,

950
00:43:22,840 --> 00:43:23,919
Speaker 2: I did it. We did a show.

951
00:43:24,640 --> 00:43:27,160
Speaker 1: Yes, we did. We did a show. Even with Rio,

952
00:43:28,280 --> 00:43:29,320
Speaker 1: I did a show.

953
00:43:29,840 --> 00:43:32,200
Speaker 2: I know he's not talkative right now. He's been saying

954
00:43:32,200 --> 00:43:34,719
Speaker 2: all kinds of things lately. You don't want to say

955
00:43:34,920 --> 00:43:36,080
Speaker 2: to the hair.

956
00:43:38,960 --> 00:43:45,439
Speaker 1: It's allowed. It sounds like this that yeah, I talked

957
00:43:45,480 --> 00:43:45,680
Speaker 1: like this.

958
00:43:45,760 --> 00:43:48,160
Speaker 3: I wish that we had like video video shows so

959
00:43:48,200 --> 00:43:48,800
Speaker 3: we could see.

960
00:43:49,120 --> 00:43:51,120
Speaker 2: Oh, you guys can just follow me on Instagram at

961
00:43:51,200 --> 00:43:55,160
Speaker 2: Mandy Money. You have all the Rio content you could

962
00:43:55,200 --> 00:43:55,560
Speaker 2: wish for.

963
00:43:57,040 --> 00:44:01,200
Speaker 1: All right, well not you, So next week, hopefully you

964
00:44:01,239 --> 00:44:03,640
Speaker 1: guys will watch on Saturday. Tell me how I did.

965
00:44:03,640 --> 00:44:05,320
Speaker 1: I was super nervous. I had to do my own face.

966
00:44:05,480 --> 00:44:06,799
Speaker 1: I'm a little blushy. I saw it.

967
00:44:06,800 --> 00:44:09,480
Speaker 2: I was like, oh, I'm I'm sure you're beautiful and

968
00:44:09,560 --> 00:44:13,319
Speaker 2: congratulations and I cannot wait. I will What time is it?

969
00:44:14,840 --> 00:44:20,239
Speaker 1: You would think I would know that, right, I think it's.

970
00:44:18,440 --> 00:44:23,000
Speaker 2: Saturday or Sunday. It's okay, how are you promoting your

971
00:44:23,360 --> 00:44:26,680
Speaker 2: Where's Tracy? We need someone in PR I know. Okay,

972
00:44:26,760 --> 00:44:32,839
Speaker 2: watch this watch Hey Siri, remind me to watch Tiffany's

973
00:44:32,840 --> 00:44:36,960
Speaker 2: segment on the Oprah Network this Saturday at eight pm.

974
00:44:37,320 --> 00:44:40,839
Speaker 1: Yes, I believe this. Don't touch the mic. Oh, okay,

975
00:44:40,880 --> 00:44:46,040
Speaker 1: all right, bye. Oh just to say, okay, your reminder

976
00:44:46,080 --> 00:44:47,279
Speaker 1: is sent for Saturday.

977
00:44:47,440 --> 00:44:49,560
Speaker 2: Done. I'm killing the eighth. Okay, gotta go, baby's got

978
00:44:49,560 --> 00:44:50,480
Speaker 2: the Bye.