Speaker 1: What's up, y'all? Think you for tuning in for a
Speaker 1: new episode of We Talk Back, a show dedicated to
Speaker 1: you niggas and bitches. Because y'all, I'm mad because the
Speaker 1: bitch was being cheap as fuck and I'm stuck in
Speaker 1: Saint Martin. Try to fly on a buddy pass. Okay,
Speaker 1: at least I'm in Paradise. What's up, tam Bam.
Speaker 2: I about to say, that's a good place to be.
Speaker 3: Stun shit, you could be in Iowa, shout out to her.
Speaker 1: Ain't nobody know I was listening to this shit.
Speaker 4: They don't even know black people exist.
Speaker 3: Hey, y'all, it's Met and Ban. I love y'all. Thank
Speaker 3: y'all for tuning in again. All Right, tell us about
Speaker 3: your weekend, girl, cuz you know in paradise.
Speaker 4: So, y'all, I'm still here. I've been here.
Speaker 1: Actually, I went to Anguilla on the twenty eighth of July.
Speaker 1: It is now July the ninth, and I've been stuck
Speaker 1: in Saint Martin for the last twenty four hours. But
Speaker 1: that ain't the whole trip. My whole trip was wonderful.
Speaker 1: A lot of food, a lot of lobster and spreads.
Speaker 1: I might put together, put together, a little real for
Speaker 1: y'all content, Because I got a little tiny bit of content.
Speaker 1: My back is a little bigger. Okay, since I've been
Speaker 1: on vacation.
Speaker 2: It's supposed to be on vacation now.
Speaker 1: Eating a bunch of Johnny cakes. Don't I look pregnant?
Speaker 4: Look how bake my noses?
Speaker 2: What's a Johnny cake?
Speaker 1: It's just like fried bread, bitch. Okay, it's just like
Speaker 1: a you never had a Johnny cakes, like from the Jamaican.
Speaker 2: Restaurants and shit like festival.
Speaker 4: It's like festival.
Speaker 1: Yeah, but it's like a flat, little round, spear shaped
Speaker 1: piece of goodness, fried them up being warm. Yes, breakfast, lunch, dinner.
Speaker 1: I don't never eat that much. Dog Like I am
Speaker 1: fasting when I get the fuck back home, I'm a
Speaker 1: fast for a while.
Speaker 4: But if y'all never been.
Speaker 1: To Anguilla, gold Man, it's a really nice island. It's
Speaker 1: a chill island. If you're trying to it's a party.
Speaker 4: It is expensive. I feel like all the island's expensive.
Speaker 2: Man, you're right Jamaica.
Speaker 1: Yeah, Like we think it's gonna be cheap when we
Speaker 1: get that. It's just not like if you're looking for
Speaker 1: a cheap vacation. Vacation I would suggest, like Thailand, the
Speaker 1: flight might be expensive, but you're gonna pay like five
Speaker 1: hundred dollars to stay there for a month.
Speaker 2: Month, Right, that's it. But you're right, the islands are expensive.
Speaker 1: Yeah. So I'm in Saint Martin. After we get off today,
Speaker 1: I am going to try and catch a flight. If not,
Speaker 1: I'll be on Delta tomorrow. Shout out to Delta.
Speaker 2: What did I do this weekend? Shit? I ain't do nothing.
Speaker 3: The weather was kind of sucky because Hurricane Barrel came
Speaker 3: through town, and I mean it didn't really hit us,
Speaker 3: but we got some of the weather off of it.
Speaker 3: So it was kind of rainy all weekend, which I enjoy.
Speaker 3: I kind of just laid up with me and Bella,
Speaker 3: my dog, y'all. And that was it. I ain't do
Speaker 3: Did I do anything else? Hell no, that was it all.
Speaker 3: My niggas was out of town on vacation, on vacation.
Speaker 3: The No, it was like a bunch of group trips
Speaker 3: that went out of Charlotte. Like I'm talking about seventy people.
Speaker 3: Forty people, like huge group trips left this motherfucker.
Speaker 1: They probably right here in Saint Martin because this resort
Speaker 1: I'm on right now is fucking lit. Okay, I went
Speaker 1: outside for a little bit last night. I won eleven cents.
Speaker 2: I was like, what time is she going home?
Speaker 1: I text you last night.
Speaker 3: You ain't get it, Yeah, I responded, I ain't get this.
Speaker 3: I say it, stay in the room.
Speaker 1: I ain't get that the last thing, and then my
Speaker 1: messages was going out green, So I'm like, yo, something happened,
Speaker 1: Like I definitely got a knife in the bed with
Speaker 1: me though.
Speaker 2: Let's get it, you know what.
Speaker 3: Let me say this because this is one of our
Speaker 3: avid listeners and she's a huge supporter of the show
Speaker 3: on Instagram.
Speaker 2: Ok Ken.
Speaker 3: Her cousin, Taylor Casey, went to Bahamas for a yoga
Speaker 3: retreat on June nineteenth and went and went to dinner
Speaker 3: and then they never saw her again. She just vanished
Speaker 3: and they're still looking for her. So hashtag fine Taylor
Speaker 3: Casey you can keep up with that, and we're definitely
Speaker 3: praying for Taylor that they found her. She's a forty
Speaker 3: one year old woman and she just disappeared on June
Speaker 3: nineteenth in Paradise Island. That's all Bahamas, So y'all just
Speaker 3: be on the lookout for that, and y'all keep her
Speaker 3: in your prayers that she gets to come home safely.
Speaker 2: Yeah.
Speaker 1: Man, you gotta be careful out here. God damn, I
Speaker 1: hate hearing stuff like that because it's like no closure
Speaker 1: until the right yep.
Speaker 3: Yeah, I'm about to listen. I'm about to go in.
Speaker 3: My birthday coming up, and I'm about to go away.
Speaker 3: I'm about to put an air tag right in the
Speaker 3: back of one of these dreads.
Speaker 4: Beat You're better because they be really stealing women like cookies.
Speaker 2: Y'all gonna find me.
Speaker 3: God damn, y'all gonna fucking find me where I'm at,
Speaker 3: and I'm gonna have that motherfucking peep peep.
Speaker 2: Y'all gonna find.
Speaker 4: Did my location ever come over to you?
Speaker 1: No?
Speaker 2: It did not. That's why I was like, where are
Speaker 2: you at? Like, oh, your rue?
Speaker 1: I sent it to my low one for one hour
Speaker 1: because I was trouble shooting it while on the phone
Speaker 1: with him, and I was like, oh, let me see
Speaker 1: if this worked, because initially, initially I did it for
Speaker 1: indefinitely and I'm like, ah, how do I change this back?
Speaker 1: Once I started, I wasn't sure, so I did. It
Speaker 1: was an hour to test it out. Bitches, ain't ship
Speaker 1: y'all been in this stupid news.
Speaker 3: So Kendrick Lamar's music video dropped over the weekend and
Speaker 3: on the first day he had what was on fourth
Speaker 3: of July draw right. It had fifteen million views in
Speaker 3: the first twenty four hours.
Speaker 4: Shout out to Ken Dreid, big Gemini energy.
Speaker 3: Okay, I like how he supported like the same people.
Speaker 3: Some of the same people that were at the show
Speaker 3: were in the music video, like the crumping clown energy
Speaker 3: and all that.
Speaker 2: So I love that. It was a dope video.
Speaker 3: And Mike Rubin, Michael Rubin had his annual white party
Speaker 3: where he invites all the hotted celebs and stars, and
Speaker 3: Drake was there and people are saying that Drake and
Speaker 3: they were pictured together, and people are saying that Drake
Speaker 3: looks sad in the picture.
Speaker 1: Let me find out Drake feeling defeated a little bit,
Speaker 1: go to that white party, gets some white.
Speaker 4: Energy right quick.
Speaker 2: He looked tired.
Speaker 3: I don't know if he looks sad, but he definitely
Speaker 3: looked not as vibrant in the eyes.
Speaker 2: But who knows. Maybe he was on the bender. It
Speaker 2: was party time, you know, not.
Speaker 4: A bender he looked regular to me.
Speaker 1: He always Drake always looks like, what's that that movie?
Speaker 1: It's a never never Land with a big flying dog.
Speaker 1: You know what I'm talking about.
Speaker 2: It's a big lamb before time.
Speaker 4: Yes, he looks like that puppy to me.
Speaker 1: Dog that Yeah, he always just looked like a little
Speaker 1: puppy to me, like he just had the droopy eyes
Speaker 1: and shit.
Speaker 4: Like he looked regular to me. I don't know.
Speaker 1: But yeah, we ain't gonna talk about Drake looking sad
Speaker 1: and I got that party. Let's talk about motherfucking Kendrick
Speaker 1: Lamar video, y'all.
Speaker 2: The video is Before Time. Well what you're talking about?
Speaker 2: I can't think of the name of.
Speaker 1: That movie eighties More Time and.
Speaker 2: It's something like that. But that ain't it because the
Speaker 2: Lamb before Time is something else.
Speaker 1: Big flying dog. I put that in Google and my
Speaker 1: service is so fucking ending story.
Speaker 2: What did I say in the Lamb before Time?
Speaker 1: You said a lamb before Time? Yeah?
Speaker 2: You ain't say no, no name the never end the story? Yeah,
Speaker 2: it's you said ship. You say he looked like that
Speaker 2: white dog?
Speaker 1: No initially? Okay, we it's recorded, y'all. Can hear if
Speaker 1: I say it? Or not.
Speaker 4: I don't remember.
Speaker 1: Yeah anyway, Yeah, he looks like that to me, Like
Speaker 1: Drake always looks like that puppy. To me, it's not
Speaker 1: really a puppy. It's a big ass fucking flying dog.
Speaker 1: But that's what Drake looks like.
Speaker 3: That ship, if you're gonna look at that motherfucking the
Speaker 3: graphics did not hold up.
Speaker 2: I bet that ship is crazy. Redo it. Yeah, you
Speaker 2: a good movie to redo.
Speaker 1: Actually, I really enjoyed the Kendrick Lamar's video. He had
Speaker 1: a lot of gems in there. Social media is now
Speaker 1: calling him a black historian, actual black historians. Some of
Speaker 1: them agree, and then some of them are like, oh,
Speaker 1: he's not. He can't. Why why anybody could be a
Speaker 1: black historian if you fucking study the hell is wrong
Speaker 1: with people? Like I'm so sick of black people to
Speaker 1: get on my goddamn nerve. But he dropped a lot
Speaker 1: of gyms, especially like talking about Atlanta and how Atlanta
Speaker 1: came about, and if you ask me, Atlanta is Atlantis.
Speaker 4: The Lost City Okay.
Speaker 1: Right now is mad Max, But I think Atlanta is Atlantis,
Speaker 1: Like it's amazing people in Atlanta. And Drake does hop
Speaker 1: on every hot new artist and we may think, we
Speaker 1: may look at it as oh, he's like trying to
Speaker 1: beef their career up, but it also revives his every
Speaker 1: time a next new hot artist comes out, it's like
Speaker 1: a barter a bartering system.
Speaker 3: Yeah, they ain't bad for them, they have Drake on
Speaker 3: their shit though. But do you feel like his light
Speaker 3: has dimmed some since this?
Speaker 1: Yeah, once the once the collectives start removing the energy
Speaker 1: from you, you can you literally you're seeing his light
Speaker 1: dim So that's just what happens. Like, that's that's why
Speaker 1: sound yes, because it's the energy of the people that
Speaker 1: keep these entities going.
Speaker 3: I still love Drake. I think a lot of people
Speaker 3: still love drinking. People like women don't feel like, yeah,
Speaker 3: they're not part of the battle beef.
Speaker 1: I don't think his career is over, Like it's not
Speaker 1: going to be a Meek Mills situation. I don't think
Speaker 1: his career is like finished. Okay, he still has a
Speaker 1: lot of fans. There's a lot of people who feel
Speaker 1: like he won the battle, you know, but did he
Speaker 1: win the war? It's a question. Yeah. I don't think so.
Speaker 1: I don't think so. But shout out to Kendrick Lamar.
Speaker 2: I appreciate how.
Speaker 3: One song because it was really one particular song that
Speaker 3: Kendrick did that just revived the whole coast.
Speaker 1: Yes, no, I feel like everybody like you.
Speaker 3: No, yeah, but I mean the energy over on the
Speaker 3: West Coast was different, you know, like everybody liked that song,
Speaker 3: but when you went out there, they was going crazy,
Speaker 3: like next level crazy.
Speaker 2: I loved it. And also, but I scared.
Speaker 4: Why are you schedule a trip up? I know my
Speaker 4: goofy ass.
Speaker 3: No, I ain't scared of trip, but I'm scared somebody.
Speaker 3: You know, they coming different out there, like what set
Speaker 3: you claiming?
Speaker 2: Bitch?
Speaker 1: Can you crip walk? For real?
Speaker 2: Though?
Speaker 1: Can you really do that?
Speaker 4: I don't have enough coordination for none of that shit?
Speaker 2: Yeah I can do that.
Speaker 4: I want to see.
Speaker 2: I'm posted video cropwalk challenge when I get.
Speaker 1: Whitney also had a little special guest appearance hern the
Speaker 1: kids in the video. You know, because a lot of
Speaker 1: what Drake was like in his disc a lot of
Speaker 1: it was based off of mister Morale the album and
Speaker 1: when people don't I don't understand and why why people
Speaker 1: don't get it? The album was not about Kendrick Lamar's life.
Speaker 1: It was actually about the morale.
Speaker 2: Of the people.
Speaker 1: So we had a bunch of different instances in there,
Speaker 1: So at what point would you use that and a
Speaker 1: disc record. It's weird you had no intel on Kendrick
Speaker 1: Lamar other than what he told you on an album.
Speaker 1: So yeah, this still doesn't say him and his girl altogether.
Speaker 1: She probably just down for the family. We don't know.
Speaker 3: But she was at the concert and she's in the video,
Speaker 3: so I mean, yeah, it ain't like how.
Speaker 2: What that lady is?
Speaker 3: They be like, oh mammy, she never showed up like that,
Speaker 3: So never never be geting to your camp.
Speaker 2: The Aunties Day first episode, Oh my god, it's not clips. Yeah,
Speaker 2: on zeus, this is some clarity.
Speaker 3: That's that's gonna be my new Like I love watching
Speaker 3: Ratchet TV. On the stair climber that get that thirty
Speaker 3: minutes done, baby, I watched Baddies and now I got
Speaker 3: some new shit to watch.
Speaker 1: Did you see I didn't see the video, I mean
Speaker 1: the episode. You watched the actual episode?
Speaker 2: Oh no, not yet. No, I'm saving it for the
Speaker 2: stair climber.
Speaker 4: Yeah.
Speaker 1: I only saw the clip, and I saw the clip
Speaker 1: of Tokyo Tony showing her Kouchi to the game. Did
Speaker 1: you see that? No, she's such a fucking like. The
Speaker 1: thing is is, like I like Tia Camp and I
Speaker 1: like Tokyo Tony. I don't really know about blue Face
Speaker 1: Mom like that. Like she just she just gives super
Speaker 1: Cloud Chase energy like these women do too, but it's
Speaker 1: just different, like they just they still got their own
Speaker 1: little personality with it. Black China. I don't know how
Speaker 1: she survived her mama. I don't know how to fuck
Speaker 1: she survived Tokyo Tony, but she did. And Tokyo Tony.
Speaker 1: She really hate Black China. She's just a fucking she'd
Speaker 1: be hating on that girl so bad. But she was
Speaker 1: talking about like basically Black China, sex and all this stuff, right,
Speaker 1: and then she pulls her kuchi out to the game.
Speaker 2: She pulls her kuchi out.
Speaker 1: It's crazy, talked her leg open on the couch on
Speaker 1: one of the videos.
Speaker 4: It's a clip out there.
Speaker 2: Well, I can't wait to watch. That's gonna get me
Speaker 2: through my thirty minutes. Level ten.
Speaker 3: Airy Spears took to the social media to say women
Speaker 3: don't need fake eyelashes, and he posted the whole video
Speaker 3: discussing why he felt like women didn't need lashes.
Speaker 2: And here's my thing.
Speaker 3: The last time you got on the internet talking about
Speaker 3: a woman and what she needed to look like, people
Speaker 3: got to dig it in your history and find out
Speaker 3: that you had some did some really dodgy videos that
Speaker 3: could consider you a child molester or you know, like
Speaker 3: it wasn't good. So why don't you stop talking on
Speaker 3: women like, we don't need eyelashes, We don't need your
Speaker 3: opinion honestly about our eyelashes. People want are gonna wear
Speaker 3: what they want to wear. They want to wear eyelashes,
Speaker 3: let them.
Speaker 1: First of all, I need my motherfucking eyelashes. I don't
Speaker 1: know what the hell he talking about. They're like a
Speaker 1: crazy hell. Now, once you start doing something, it's like
Speaker 1: you look crazy without it. So I like my lashes
Speaker 1: maya goddamn business. What you need to do is check
Speaker 1: on your damn health because you don't look healthy at all.
Speaker 1: You don't need to be that fucking big what's out
Speaker 1: what your skin? You know, the skin is your biggest
Speaker 1: or so I can only imagine with the inside of
Speaker 1: that big body looking like because his skin looks explorable,
Speaker 1: let's talk about that. What you're really is a dermatologist.
Speaker 3: He got really bad dark circles in his eyes, but
Speaker 3: that might be hereditary under his thighs.
Speaker 2: Eyes. I ain't seen that, nigga, thigh don't put that out.
Speaker 1: Imagine what them thighs looking like.
Speaker 3: No, I'm not gonna do that because I ain't because
Speaker 3: then we're just doing what he's doing.
Speaker 2: So I'm not gonna girl.
Speaker 1: You know, I go to hell every time. Okay, Yeah,
Speaker 1: so y'all stay stay heavenly. We're coming from women. I'm
Speaker 1: so sick of men telling women what to fucking do. Like,
Speaker 1: mind your business already. There's enough women out here that
Speaker 1: has the thing that you like for you to go
Speaker 1: for that and talk about that. Yeah right, there's a
Speaker 1: lot of.
Speaker 4: Women who don't wear lashes.
Speaker 1: A lot.
Speaker 2: I ain't got on nothing right now, cry. I might
Speaker 2: not put on nothing, and.
Speaker 1: I put mine on this morning for Tenny like I
Speaker 1: did that. Thank you girlfriend, period, But may your fucking
Speaker 1: business grown sack of shit. I don't like that dude, Okay.
Speaker 1: Anytime I see him on anybody's platform, I'm disgusting.
Speaker 4: Like, why do y'all still have conversations with this guy?
Speaker 1: Why?
Speaker 2: Yeah, he's it doesn't seem to be a very.
Speaker 1: Those videos weren't dodgy. Those videos were exactly what the
Speaker 1: fuck those videos were. And if anybody wants to see him,
Speaker 1: I'm not spreading child pornography, but this is out there.
Speaker 1: Go check the Go check the archives, because it's the
Speaker 1: reason why they tried to scrub that stuff from the
Speaker 1: Internet archives dot org.
Speaker 4: You can find him airy spirits. That dude's a problem.
Speaker 2: Yeah, I agree. Well, let me tell y'all.
Speaker 3: Over the weekend, I saw this viral post about this
Speaker 3: woman who went to instacart and she ordered She put
Speaker 3: the same thing, the same exact items in her Instagram
Speaker 3: art that she had bought in twenty twenty one, and
Speaker 3: her total in twenty twenty one was seventy dollars. In
Speaker 3: twenty twenty four it was one hundred and sixty five
Speaker 3: dollars for the same small amount of items. So inflation,
Speaker 3: and she was just discussing how inflation has gotten out
Speaker 3: of control and how she don't know how she gonna
Speaker 3: make it because she has kids to feed. And I
Speaker 3: felt that because I feed it, myself has been quite
Speaker 3: you know, different this year. So I wanted us to
Speaker 3: discuss inflation. I want us to talk about how we're handling,
Speaker 3: and I want to give us some tips that we
Speaker 3: found online to hindle inflation, you guys, cause it's affecting
Speaker 3: us all unless y'all like coming like that, so we'll
Speaker 3: be right.
Speaker 4: Back, all right, y'all.
Speaker 1: So we're back, and like Tam said, we want to
Speaker 1: talk about inflation because it's just something that affects everybody.
Speaker 1: Like nobody is escaping it. Even people who have, you know,
Speaker 1: a lot of money, they still feel it because you know,
Speaker 1: once you make money, it's another thing to try to
Speaker 1: keep it right. So sometimes they are a little bit
Speaker 1: more cheaper than our asses. But what causes inflation, So
Speaker 1: inflation is the rise in prices of goods and services.
Speaker 1: Over time, consumers lose purchasing power when prices rise. The
Speaker 1: power of a single unit of currency doesn't go as
Speaker 1: far as it did before. So that's why they say,
Speaker 1: like if you win a lottery, take the lump sum, right,
Speaker 1: because a dollar doesn't have the same value today as
Speaker 1: it does tomorrow. A little inflation isn't much cause for concern,
Speaker 1: but inflation can pose serious problems when prices rise too quickly,
Speaker 1: which we have seen since COVID.
Speaker 4: You can't tell me this is.
Speaker 1: Organic inflation, though I feel like this is something that
Speaker 1: was intentionally done to harm the economy in the United States,
Speaker 1: but that's another episode. So it's also an imbalance in
Speaker 1: supply and demand. Inflation tends to increase from consumer demand
Speaker 1: for goods and services increase while supply remains limited the
Speaker 1: disruption in supplies, And we saw this with groceries and
Speaker 1: shit like that, Like you know, one day they say, oh,
Speaker 1: it's no butter. The next day a bunch of butter
Speaker 1: on the shelf. So did y'all keep the butter in
Speaker 1: the back to create like this illusion that there's a
Speaker 1: lack or less of so now you can put the
Speaker 1: price up.
Speaker 4: Who knows.
Speaker 1: Global energy prices jumped following Russia's invasion of Ukraine, so
Speaker 1: that's another thing. We got gas inflation, the price of gas.
Speaker 1: Russia cut off global energy supplies and tighten the marketing.
Speaker 1: So they're gonna blame all this is off investipedia dot
Speaker 1: com And I love this website, y'all know, I do stocks.
Speaker 1: I'm always on here. But a lot of this shit
Speaker 1: they blame in other people. Let's talk about the United States.
Speaker 2: Mm hmm.
Speaker 1: So basically, inflation erodes purchasing power essentially.
Speaker 3: Baby, don't it the fuck going on? So what what
Speaker 3: do you do you personally to combat inflation in your household?
Speaker 4: So one of the things I have started doing is.
Speaker 2: Getting a man.
Speaker 3: That's what I need to do because I need this
Speaker 3: need to be a two income household.
Speaker 1: Yeah, Like, if y'all don't realize this life is based
Speaker 1: off of double occupancy, you better get you a nigga.
Speaker 1: Like everybody gonna start pairing up real quick. All these
Speaker 1: niggas who think that they don't need a woman, don't
Speaker 1: need a wife, all these bitches who think they don't
Speaker 1: need a man. Everybody gonna be pairing up very soon. So, yes,
Speaker 1: I did get a refurbished relationship.
Speaker 2: And here I am.
Speaker 1: Bitch splitting bills. Absolutely, it ain't fifty to fifty now
Speaker 1: because I still ain't with that bullshit, But I am
Speaker 1: responsible for groceries and shit like that. Right, So I
Speaker 1: have started coupon in a little bit, a little bit
Speaker 1: pokito because that shit is fucking nerve wrecking. But I
Speaker 1: bought a app y'all should download it? Is I be otta.
Speaker 1: They have all these you connect your checking account to
Speaker 1: it and they tell you, like what stores have.
Speaker 2: The deals.
Speaker 1: It's usually like public cvs and shit like that, and
Speaker 1: people be sleeping on cvs because it appears expensive. But
Speaker 1: they have a lot of cash back rewards and you
Speaker 1: can double up, triple up coupons and shit like that.
Speaker 1: Harris Teeter is a good place to do this type
Speaker 1: of shit. But y'all can go on YouTube and just
Speaker 1: type in couponing and there's a lot of people who
Speaker 1: do the work for you. They tell you exactly where
Speaker 1: to go at, they tell you how to put the
Speaker 1: deals together. I bought it is always going to be
Speaker 1: like one of the main things they talk about, because
Speaker 1: you know, you get the cash back rewards on different
Speaker 1: items you buy. So this especially the daily household shit.
Speaker 1: I hate spending money on like toilet tissue, paper towels.
Speaker 1: It's so detergent, and so.
Speaker 2: I definitely started coupon in this year.
Speaker 3: It would be kind of fun too, Like you cut
Speaker 3: your little clip, your little Cooper's. You gotta take the
Speaker 3: ad out, store the in the online and try to
Speaker 3: make the amount match what the girl says on YouTube, like, yeah,
Speaker 3: I've been doing that. Sometimes it don't always work out,
Speaker 3: Like how the fuck she got it down a dollar
Speaker 3: ninety eight cent in mine is four ninety eight, but
Speaker 3: still four ninety eight is as better than the twenty
Speaker 3: five dollars it was gonna be.
Speaker 2: So I definitely started doing that shit exactly.
Speaker 1: But for like the holistic girlies, like a lot of
Speaker 1: the shit, like the food items that be on sell
Speaker 1: oh eat. So some of you guys, if you are
Speaker 1: into coupon and start selling that shit, sell the items
Speaker 1: that you get, like I don't use regular toothpaste, and
Speaker 1: you always can find crust and Colgate on sale by
Speaker 1: that shuit. Have put it on a Facebook marketplace, book
Speaker 1: marketplace offer up because sometimes when I'm looking for certain shit,
Speaker 1: like I'll go in there see see who's selling what?
Speaker 2: Right?
Speaker 1: I agree, I stayed balling the budget, y'all heard me
Speaker 1: just say, I fly. I flew on the fucking companion pass.
Speaker 3: So but sometimes them ships end up costing you more
Speaker 3: than a fucking ticket. Ahead you bought it in the
Speaker 3: first place, that's the only problem because then you got
Speaker 3: to buy a hotel room. Then you might end up
Speaker 3: actually having a buyer plane ticket like me. Right now,
Speaker 3: it's a crap shoot. Yeah that is a crap shoot.
Speaker 3: But if you can travel, but when you win, you
Speaker 3: win big. So yeah, yeah, so I get that.
Speaker 2: Fuck that.
Speaker 3: If you can travel on the Buddy Pass, y'all get
Speaker 3: you all the Buddy pass. Don't buy the plane tickets
Speaker 3: stay too high?
Speaker 2: What else do you do?
Speaker 1: Let me see what any other adjustments I've made get
Speaker 1: you a fucking Costco car, bitch, because Costco gas be
Speaker 1: cheaper than everybody else's. Really yeah, I'm not really a
Speaker 1: before like doing it, like the low light low coupon.
Speaker 1: I have always like gone on. I have all the
Speaker 1: different grocery stores that I shop at. I have the
Speaker 1: apps on my celephone, so I always look for deals
Speaker 1: before I even leave the house. You know, I make sure,
Speaker 1: like see what I see what you need. Don't just
Speaker 1: go to the grocery store buying shit. See what you
Speaker 1: actually need first, right, because you end up in the
Speaker 1: store with no list and you just buying a bunch
Speaker 1: of shit you really don't.
Speaker 3: Especially, don't go hungry too. Don't go to the store
Speaker 3: hungry because you will buy some shit.
Speaker 2: Yeah, you will get some shit that you don't need.
Speaker 2: I like to.
Speaker 3: So what I've done is I've been doing factor meals.
Speaker 3: So but I have a friend who works for Factor
Speaker 3: and they get forty percent off. So I use their
Speaker 3: discount code, so I get forty percent off. I get
Speaker 3: seven meals for like seventy bucks. Wow, that's cheap.
Speaker 1: Are they tasty?
Speaker 2: Yeah? They tasty? They taste nice. I mean, it ain't like.
Speaker 3: It ain't all of that, like, it ain't like, oh
Speaker 3: I can't wait to get to my factor box.
Speaker 2: But it ain't bad like it is delicious.
Speaker 3: I add a little season and I like you are
Speaker 3: a little judged to it to make it like real flavorful.
Speaker 3: And then I do that and then I my week.
Speaker 2: It would be simple, ill order. I know.
Speaker 3: I'll go get like five of those salad kids, a
Speaker 3: pack of chicken, and I'll have a protein shape for breakfast,
Speaker 3: a salad kit for lunch, and affected meal for dinner
Speaker 3: and my whole week. Ain't I spend like almost one
Speaker 3: hundred dollars, you know, for a whole week full of
Speaker 3: my groceries, And I'm getting skinny because the bitch ain't
Speaker 3: got no money to eat with it.
Speaker 1: Am that's a plus of inflation, Okay.
Speaker 3: But my meals are playing out like that. It's simple,
Speaker 3: it's easy, it's affordable. People don't realize people think Trader
Speaker 3: Joe's is expensive, but if you go and Trader Joels,
Speaker 3: they have a lot of really affordable quality stuff in there.
Speaker 2: So I like shopping at Trader Joe's.
Speaker 3: Whole Foods, I don't go there no more. That's Whole Check.
Speaker 3: I stopped going the Whole Foods like that.
Speaker 1: I want.
Speaker 3: If I want like a nice cut of salmon or
Speaker 3: something like that to go on my salad instead of chicken,
Speaker 3: I'll go to Whole Foods. But I don't like they
Speaker 3: are a little bit more pricey than Trader Joe's.
Speaker 1: Target said that they were cutting back on prices because
Speaker 1: apparently they were way above everybody else's prices, so they
Speaker 1: did some rollbacks recently at Target.
Speaker 4: I don't know.
Speaker 1: So okay, so what cleaning supplies and laundry detergent again,
Speaker 1: Like Publics always has this thing where you I think
Speaker 1: it's buy buy fifty dollars worth and you get fifteen,
Speaker 1: like a fifteen dollars Target gift card. Yeah, so that's
Speaker 1: usually once a month they have that. So that's usually
Speaker 1: when I buy my detergent and stuff like that and
Speaker 1: get that fifteen dollars back, and shit, if I want
Speaker 1: to go and buy a bathing suit and some shit
Speaker 1: fifteen dollars off. So you just got to look for me, like,
Speaker 1: and we are single people. I can't imagine what people
Speaker 1: with children are doing, and so we probably should have
Speaker 1: got a coupon or on here, just somebody who has
Speaker 1: children and to have a real life experience with dealing
Speaker 1: with inflation, because it's not just you you're responsible for.
Speaker 3: Right when you have kids, it's a whole different ball
Speaker 3: game because clothes.
Speaker 4: School's coming back up.
Speaker 3: Like, and they they gotta get school supplies. Maybe we
Speaker 3: should do like a drive a drive for school supplies
Speaker 3: for kids in our community or something like that.
Speaker 2: That would be nice.
Speaker 3: Another thing I do is like the things like I
Speaker 3: used to do every two weeks, I stretch it out
Speaker 3: a month. Like so my nails I don't go every
Speaker 3: two weeks. Now I go once a month. I get
Speaker 3: my nails done once a month. And I made them
Speaker 3: shorter because longer nails pop up faster and shorter nails don't.
Speaker 3: So I was acting like I just want it shorter. No,
Speaker 3: I just can't do it every two weeks anymore.
Speaker 1: The maintenance girls, what the fuck are y'all bitches doing?
Speaker 1: Because I do most of my own maintenance. Now, I
Speaker 1: did start getting petticares at least once a month, and
Speaker 1: really the main reason why is to patronize me.
Speaker 3: You're scratching that man. Shut out, You scratching that man
Speaker 3: up in that bed. You can't in the bid. No
Speaker 3: going making sure.
Speaker 1: My god daughter makes some money too, So I just
Speaker 1: go to her to get my get my toes out.
Speaker 1: She does really amazing petticares also, So that's little maintenance.
Speaker 1: I do my own hair. Like I'm start I'm gonna
Speaker 1: start paying for maintenance though, I think.
Speaker 2: Times waxing. I start waxing away from I was.
Speaker 3: Like so for real all year, like from the beginning
Speaker 3: of year till now.
Speaker 2: You know, I just had it like yeah, wolf pussy
Speaker 2: for real.
Speaker 3: But uh, because I ain't doing nothing. I ain't like
Speaker 3: it's just you.
Speaker 2: You ain't using it. I ain't using it.
Speaker 3: So I wasn't doing all of that, just kept it clean,
Speaker 3: you know, But I ain't do nothing with it.
Speaker 2: But it is the summertime. It got too hot for that.
Speaker 3: So I went and got a bikini there and I
Speaker 3: use that and I mean it's cool. It's not like
Speaker 3: baby smooth like wax. But I mean, ain't nobody like
Speaker 3: what I needed. You know, it's good. It does what
Speaker 3: I needed to do, So that's money saved for me
Speaker 3: because that added up lashes as y'all. Like I said earlier,
Speaker 3: I ain't got no lashes on saving money. I use
Speaker 3: a strip. I wear a strip instead of paying for
Speaker 3: actual lashes because they are expensive.
Speaker 1: Yeah, I think people who even if you have the
Speaker 1: means to do all of these things, like eventually, if
Speaker 1: you're not feeling this inflation today, eventually you will, so
Speaker 1: you should start acting like it's already affecting.
Speaker 2: Right exactly.
Speaker 4: I just don't like. I don't like spending money on
Speaker 4: certain things.
Speaker 3: I don't want to wait till I don't got no
Speaker 3: money to make changes.
Speaker 4: And that's what people are. That's what a lot of
Speaker 4: people are missing.
Speaker 1: Like even on social mediay'all think these people have all
Speaker 1: this shit and they don't.
Speaker 4: We don't him being honest, motherfucker.
Speaker 1: Is not be They be wearing fake bags, fake shoes. Meanwhile,
Speaker 1: you trying to spend your whole tax return on a
Speaker 1: real bag. Okay, R these bitches is around here with
Speaker 1: all the fake burkins, everybody can't even buy a burkin.
Speaker 1: Y'all know that everybody don't have access to buy no
Speaker 1: fucking burkin for real, And even like in places like
Speaker 1: the real real, like you still spending thirty thousand dollars
Speaker 1: on a bag, y'all think they're really doing that?
Speaker 3: That shit? It don't really appeal to me no more.
Speaker 3: There was a time where I used to aspire to
Speaker 3: have those things, but now it just seems silly to me.
Speaker 2: Thirty thousand dollars on a bag don't sound like it, don't.
Speaker 1: Seem it don't sound like future exactly. I mean, well,
Speaker 1: the bags and watchers and stuff like that, they do
Speaker 1: hold a value, so you it's not a bad investment,
Speaker 1: per se. But there's other ways to diversify your goddamn portfolio.
Speaker 3: But let's say something really uh, you know, what's the
Speaker 3: word cataclyptic, catastrophic catastrophic happens. Are the bags gonna have
Speaker 3: the same value in that moment, you.
Speaker 4: Know, like what you're gonna carry in the water, Right?
Speaker 3: So I just want to make sure that I'm setting
Speaker 3: myself up for success in any environment. And I don't
Speaker 3: know if persons is really gonna make the difference for me.
Speaker 2: It's not I used to I don't get me.
Speaker 3: Wrong, if y'all my birthday come in, if y'all want
Speaker 3: to send me a nice bag, I'm going.
Speaker 2: To take it.
Speaker 1: But you ain't buying it, bitch.
Speaker 2: M I ain't buying none of that shit. Yeah, it's
Speaker 2: not the season for that.
Speaker 1: I remember when I lived in when I lived in Atlanta,
Speaker 1: I was looking to buy a house at that time.
Speaker 1: So my realtor girl, just because I think people will
Speaker 1: assume that because it's a white person, they assume their
Speaker 1: bags and should be real that lady bought all her
Speaker 1: bags from the goddamn the Atlanta like flea market, all
Speaker 1: of them.
Speaker 2: Yeah.
Speaker 3: There was this football player that I was talking to
Speaker 3: many years ago that y'all know. I ain't gonna say
Speaker 3: his name, but he was talking about how he get
Speaker 3: all his ear rings from players because people going to
Speaker 3: just assume his diamonds is real eera, because of.
Speaker 2: Who he is and what he do.
Speaker 4: Yeah, once your reputation precedes you like.
Speaker 2: A player. I was like, I can go to Claires myself. Baby,
Speaker 2: you ain't gotta go.
Speaker 1: That's a smart man, and I bet you he still
Speaker 1: has his You said NFL. He got his NFL money.
Speaker 2: He's probably yeah, he's still very successful. Man.
Speaker 1: You gotta be frugal even when you have the money.
Speaker 1: It's still weird to me, like when celebrities do like
Speaker 1: frugal things online and regular people be like, ah, like
Speaker 1: you can't afford no, bitch. You don't notice science of business.
Speaker 1: You don't know nothing about money if you think you
Speaker 1: just supposed to spend it because you have it. The
Speaker 1: more money you have, the more people you also taken
Speaker 1: care of as well.
Speaker 2: That's true.
Speaker 1: So instead of buying a bag, I'm definitely buying some stocks. Okay,
Speaker 1: the stock market, I'm waiting for it to crash. It's
Speaker 1: like a by the dip on all the shit. I'm
Speaker 1: mad at myself right now. I didn't get into the
Speaker 1: video like motherfuckers really became millionaires off in the video
Speaker 1: in the last twelve months.
Speaker 3: If you would have been this properly my in like
Speaker 3: twenty thirteen, my ex boyfriend was like by bitcoin with me,
Speaker 3: and I was like, what is there? I can't wrap
Speaker 3: my head around it. I don't want none of that.
Speaker 3: It just sounds like something that And lord, I kicked
Speaker 3: myself and ask every day thinking about how much bitcoin
Speaker 3: he had when we broke up. I think he had
Speaker 3: like at least ten bitcoin, wow, because it was so
Speaker 3: cheap back then.
Speaker 2: So now yeah, yeah he up where you at.
Speaker 3: If he held onto it, he's definitely up. So kudos
Speaker 3: to you for being smart with it.
Speaker 2: You know.
Speaker 1: Well, I'm not a financial advisor, but I would suggest
Speaker 1: people to research XRP ripple.
Speaker 4: That's a that's a cryptocurrency.
Speaker 1: And this is the coin that the financial institutions Bank
Speaker 1: of America, JP, Morgan, and Chase. This is a cryptocurrency
Speaker 1: that they are looking to have, right because the thing
Speaker 1: with crypto is because the thing with crypto is that
Speaker 1: it's not something that the government, our government can really
Speaker 1: control in a way, you know, So they're trying to
Speaker 1: find ways to regulate cryptocurrency, and when they do, XRP
Speaker 1: is gonna be that thing. XRP is only yes, ripple XRP.
Speaker 1: I'm trying to pull it up to tell y'all how
Speaker 1: much it costs today. It's only since right now. I'd
Speaker 1: buy as much as you could research it first. Don't
Speaker 1: take my advice, you know, just look it up. It's
Speaker 1: forty three cents today.
Speaker 2: So I'm gonna go buy me a dollar. Is worth.
Speaker 1: Two forty three cents.
Speaker 3: Y'all just buy me too and forget about it and
Speaker 3: see what it turned into in a couple of years.
Speaker 4: See what happened. See what happened?
Speaker 3: So, uh, timemagazine Time dot Com put out a list
Speaker 3: of ways to combat inflation as an individual, and honestly,
Speaker 3: I feel like they don't really.
Speaker 2: Know what the fuck to do either.
Speaker 3: Hold I'm gonna share this list with y'all, but it
Speaker 3: says first, review your budget, which is basically what we were.
Speaker 2: Saying, like, analyze what you have and analyze what you spend.
Speaker 3: Obviously, I still feel like it's important to save, you know,
Speaker 3: even if it's just a little bit, you know, try
Speaker 3: to say that, you know when you're So it says analyze.
Speaker 3: If you don't have a budget, it's time to create one.
Speaker 3: So ladies and gentlemen, look at your money and really
Speaker 3: sit down and analyze that shit and see where it's
Speaker 3: going because you spend it too much on door dash. Bitch,
Speaker 3: I know it's somebody listening, Like damn, she talking to me. Yes, bitch,
Speaker 3: I'm talking to you, Stin.
Speaker 1: I was talking to your ass earlier this year about
Speaker 1: that goddamn door dash I saw there was a poll
Speaker 1: on Instagram and it said name something that people do
Speaker 1: that you would never do with some shit like that,
Speaker 1: and I said, Uber eats, door Dash and paying for dick, Like,
Speaker 1: I'm going to get my own food. I don't want nobody.
Speaker 1: It's bad enough if somebody else is cooking it, right,
Speaker 1: you know how I am about food. Now I got
Speaker 1: to depend on this person driving my shit to my
Speaker 1: fucking house.
Speaker 3: It's so convenient. It's so convenient. I understand why y'all
Speaker 3: like it much.
Speaker 1: It's too much, too much, and they've created a battle
Speaker 1: between the drivers and the goddamn customers about tipping and
Speaker 1: stuff like that, and y'all not even they're not even
Speaker 1: paying the drivers that much to deliver this shit.
Speaker 3: Yeah, they get most of it. I mean, the merchant
Speaker 3: gets a lot of it, and then that the fee
Speaker 3: they get a lot, they get a higher percentage, seems like,
Speaker 3: so that's not fair. But I knew I was doing
Speaker 3: too much when I had an issue with my meal,
Speaker 3: so I called door Dash and they was like, as
Speaker 3: one of our vi ps, we're gonna connect you to
Speaker 3: a different line vi P. I'm spending too much with y'all.
Speaker 2: I spend it too much money with you motherfuckers.
Speaker 3: I'm a VIP at door Dash, so that's what I
Speaker 3: changed my life. I was like, you know what off
Speaker 3: your VIP bitch?
Speaker 1: I see another post that said am I the door
Speaker 1: Dash person must have messaged the guy was like, can
Speaker 1: you meet me downstairs at the gate? And he was like,
Speaker 1: is this uh at the gate? Right?
Speaker 3: I remember I got into it with a door Dash bitch.
Speaker 3: I was car, what's the car? Bring your big back
Speaker 3: downstairs and get your own lunchable, bitch.
Speaker 2: I was like, you little roach. She looked like a roach.
Speaker 1: All right now for they get you like Cardi B roaches.
Speaker 2: I'm it was.
Speaker 3: Bad at Cardi B because she's you know, I'm real black.
Speaker 3: That girl looked like she had two pieces of hair
Speaker 3: that looked like they was standing up like some fucking antennas.
Speaker 3: Oh it's gonna call me big bag bitch, bring my
Speaker 3: shit to my door right. Number two on the list
Speaker 3: diversify your income. So it says when inflation is high,
Speaker 3: finding ways to cut and save is important, but so
Speaker 3: is increasing your income. Diversifying your income to include a
Speaker 3: side hustle or part time job can help you keep
Speaker 3: up with rising calls.
Speaker 4: They're just trying to find ways for people not to
Speaker 4: live because what.
Speaker 1: I'm hearing is have a full time job plus get
Speaker 1: a part time job, and what does that do for
Speaker 1: the quality of life? Right?
Speaker 2: Like, be a whit.
Speaker 1: Shit is fucking free. This earth is free. I understand
Speaker 1: we have to pay people to manufacture shit, to create things,
Speaker 1: but some of the shit we be paying for water, electricity,
Speaker 1: if those things were free tomorrow, the world would be
Speaker 1: totally different. And that's why they'll never let us know
Speaker 1: that energy is fucking really free.
Speaker 3: It's all around us Wi Fi.
Speaker 1: That's not new technology. That shit has been around, like
Speaker 1: all these things that we pay for. The cell phone
Speaker 1: fucking bill. Why the fuck is my cell phone bill going?
Speaker 1: Myself bill has went up forty fucking dollars in the
Speaker 1: last year, from a ninety nine ninety nine dollars to
Speaker 1: one phone. To me, it's already expensive. My shit has
Speaker 1: went up one hundred to one hundred and forty dollars. Verizon. Okay,
Speaker 1: I've been a customer since my freshman year at fucking college. Okay, man,
Speaker 1: let me tell you.
Speaker 2: I call them people.
Speaker 3: I call uh Spectrum in Verizon, and I and I
Speaker 3: complain every bill cycle like I need to speak to
Speaker 3: somebody before I pay. I'm gonna pay it, but I
Speaker 3: gotta talk shit to somebody before I like to do
Speaker 3: it every every bill cycle.
Speaker 2: Why is this much? Well, ma'am, you didn't pay for Jude? Okay?
Speaker 1: I actually all that.
Speaker 3: Make it make sense be because I don't understand why
Speaker 3: it's too sick?
Speaker 1: Why was it so much last month that I didn't
Speaker 1: hit it?
Speaker 2: Girl?
Speaker 1: Life is stressful, Like listen.
Speaker 4: That's one thing about like on the islands and stuff
Speaker 4: like that.
Speaker 1: These people be chilling. They have their little small businesses.
Speaker 1: They live, you know, simple lives, but I'm pretty sure
Speaker 1: they're happier. It's such a rat race in America. It's like, yeah,
Speaker 1: I'm tired of it. I guess I haven't really been
Speaker 1: in the rat race per se since I got laid
Speaker 1: off from work in twenty seventeen.
Speaker 4: I've been figuring it the fuck.
Speaker 1: Out because I want my life. That's how bad I
Speaker 1: want my life. Like I'm gonna figure out a way
Speaker 1: to get money as opposed to having to exchange my
Speaker 1: time for the rest of my life. That's not living.
Speaker 3: Yeah, it's yeah, I'm I'm looking for someone to come
Speaker 3: in and just say, be a stay at home mom,
Speaker 3: or just be a stay at home.
Speaker 2: God what you have done for others, see fear for
Speaker 2: me Lord a mercy man.
Speaker 1: That's a job. Like I have a friend who has kids,
Speaker 1: stay at home mom, but she wakes up when her
Speaker 1: husband wakes up, and she's on all day long, and
Speaker 1: so he goes to science.
Speaker 4: So yeah, he makes the money.
Speaker 1: But.
Speaker 2: It's not it's not care free. I didn't say it was.
Speaker 3: Now, some people do live a care free where they
Speaker 3: got nannies and maids and and they.
Speaker 2: Don't have to work. That's what I aspired to you.
Speaker 1: When you got a nanny, you still want to care
Speaker 1: about your kids. You want them to fuck, not just
Speaker 1: the nanny, right.
Speaker 3: I don't want them to cry and run to the nanny.
Speaker 3: That would make me say like, bring your ass here,
Speaker 3: a little nig, but you gotta journey, my mom. I
Speaker 3: wasn't queen ee no.
Speaker 2: All right, but no, listen.
Speaker 3: One of my best friends, she's a stay at home
Speaker 3: mom of two toddlers. And I see that bitch with
Speaker 3: a broom in her hand every single day on FaceTime.
Speaker 3: I'd be like, bitch, you one thing I'm gonna see
Speaker 3: for sure. If I don't see nothing else, is you
Speaker 3: attached to a broom every day? She's like, if I
Speaker 3: did not sweep at least three times a day, this
Speaker 3: floor would look crazy.
Speaker 2: With these toddlers. We took them to the movies the
Speaker 2: other day. Baby, they took me through it.
Speaker 3: Honey, that the little one, the little one is not
Speaker 3: She's like, you're scared of him.
Speaker 1: I was like, yes, not, just got your ass shook
Speaker 1: all right.
Speaker 3: Number three pay down high interest in no, so thanks tim, bitch.
Speaker 1: I stopped paying my credit card. I stopped paying it.
Speaker 1: I'm gonna figure it out. Yes I did, y'all listen,
Speaker 1: I stopped king at credit card with a very high
Speaker 1: interest rate.
Speaker 4: I know how to fix credit debt. I'm know how
Speaker 4: to fix debt.
Speaker 2: Right.
Speaker 1: So we live in an economy, we live in a
Speaker 1: in a country, right, everybody's in debt, even the fucking country.
Speaker 1: So at one point do you think the citizens of
Speaker 1: that country aren't going to have some form of debt,
Speaker 1: Like debt actually makes money. M h, y'all ain't making
Speaker 1: them more money off my motherfucking debt. Y'all can have
Speaker 1: that ship. I'll figure it out on the back end
Speaker 1: one of my credit cards, the interust rate. I kept calling, Hey,
Speaker 1: y'all think y'all can lord this interest rate. They wouldn't,
Speaker 1: And that's that's an option. You can call and ask
Speaker 1: for a lower indust rate so you can be in
Speaker 1: a position to try to pay some shit off. And
Speaker 1: when the creditors aren't trying to work with you, when
Speaker 1: they they too are in debt, boyfucking boyfuck you.
Speaker 2: Well, if y'all don't want to go a j rowld,
Speaker 2: let me tell y'all what it says.
Speaker 3: Thanks to inflation, there is less money available to spend
Speaker 3: on everything, including debt repayment. Aggressively paying off high interest debt,
Speaker 3: including personal loans, payday loans, and credit cards can help
Speaker 3: free up cash to spend on other items. If you
Speaker 3: have a good or excellent credit you can also consider
Speaker 3: transferring your high interest rate debt to a zero percent
Speaker 3: balance transfer credit card. If you're able to pay off
Speaker 3: your balances before the end of the introductory rate, which
Speaker 3: is off to six to eighteen months, this can help
Speaker 3: you save a lot of interest. Before committing to a
Speaker 3: balanced transfer credit card, make sure you understand the terms
Speaker 3: and if there is a transfer fee or annual fee involved.
Speaker 3: So I mean that's an option you.
Speaker 2: Guys to like. That is not an option.
Speaker 1: That's not a real option. Paying off debt to free
Speaker 1: up money is not a real thing. You're not gonna
Speaker 1: have that money back. You're not gonna have no.
Speaker 2: But but you don't want to have that debt.
Speaker 1: Fuck that. Okay, fuck that debt, y'all. Tell y'all, y'all,
Speaker 1: let no house fucking look my credit score good? Okay,
Speaker 1: Like I said, fuck that debt. Y'all want some pointers,
Speaker 1: hit me up? No, don't really, don't hit me up,
Speaker 1: because one thing I don't like is customer service with niggas.
Speaker 1: I hate trying to show a nigga to do some shit.
Speaker 1: And you've been like not really liking black people.
Speaker 2: Five.
Speaker 3: Open a high yield savings account. Thanks to inflation, if
Speaker 3: you aren't earning interest on your savings, you are losing money.
Speaker 3: A high yel savings account is a savings account that
Speaker 3: offers a high rate of return than the average saving account.
Speaker 3: Online banks can often offer an even better interest rate
Speaker 3: than traditional banks, since they don't have to pay expensive
Speaker 3: overhead costs. A high yield savings account is a great
Speaker 3: place to store your short turn short to medium turn savings,
Speaker 3: such as your emergency funk.
Speaker 1: Listen, they are asking people to save money that they're
Speaker 1: nod fucking making the average rent right now, okay, because
Speaker 1: they're almost making home ownership just so far away from
Speaker 1: most people. The average rent is twenty five hundred dollars
Speaker 1: for a one bedroom. It's like fifteen hundred dollars, right
Speaker 1: This is the average rent across the country. People do
Speaker 1: not have money to save in that way unless you
Speaker 1: already had money accumulated. I think millennials are going to
Speaker 1: be probably fucked up the most because we're not getting
Speaker 1: our pseudo loans forgiven all right, right, so so.
Speaker 2: Hard it might not exist by the time we.
Speaker 1: Get exactly like we have always been the generation to
Speaker 1: feel all a bullshit, Okay, I don't see anybody who
Speaker 1: has children, who has a mortgage and all that, who
Speaker 1: actually has money to save and put in a hide
Speaker 1: a high yield interest. You and what you're saying essentially
Speaker 1: is give your money to the banks to also use
Speaker 1: your shit, use your money to invest in shit, and
Speaker 1: possibly lose your money because when the markets crashed, that
Speaker 1: money that you've now put in the bank. You no
Speaker 1: longer have that money. Y'all saw that in California last
Speaker 1: years time, where a credit union shut down and the
Speaker 1: and the members came for their money and they couldn't
Speaker 1: get it.
Speaker 2: It was like, get it back in blood.
Speaker 1: So why would I pay this fucking credit card? Get
Speaker 1: it back of blood?
Speaker 2: I think.
Speaker 3: I think it's also it's important to have an emergency fund.
Speaker 3: If you can squeeze, you know, any ounce of money
Speaker 3: out to put in a how your savings account, so
Speaker 3: you can have an emergency fund. It's better than a
Speaker 3: regular one, you know. I mean, that's just an option
Speaker 3: if you can. If you can't afford it, I would,
Speaker 3: just because you never know when some bullshit gonna happen.
Speaker 3: And you got a bag, but you ain't got nothing,
Speaker 3: no money, you know, like you don't bought it, Like
Speaker 3: I'm saying, you bought a designer bag instead of saving
Speaker 3: for an emergency, and now you're out here with a GoFundMe,
Speaker 3: which do work if people, if people fuck with you,
Speaker 3: they'll they'll support it. But I mean that may not
Speaker 3: always be the case. So have you an emergency stash
Speaker 3: or something in your drawer, Put a little change in
Speaker 3: the drawer something, bitch.
Speaker 2: Don't just be out here with nothing.
Speaker 1: Number. Holding on to fiat currency is never going to
Speaker 1: be the It's like holding on to paper money ended
Speaker 1: a mattress, like what happens when that currency no longer
Speaker 1: has value. So if anything, I would say, buy you
Speaker 1: some I mean it's not. Long term investments are always
Speaker 1: going to be better than some short term.
Speaker 2: Just having it sitting. Yeah, city money in account, so.
Speaker 1: Like go but with the actual precious metals and stuff
Speaker 1: like that. I you going to invest in anything for
Speaker 1: real for the future, it would be if that dollars,
Speaker 1: it would be that.
Speaker 2: Yeah, that's what that would be. If you have a
Speaker 2: couple of dollars.
Speaker 3: But you could get a high yel savings account with
Speaker 3: just a little bit of money and just start pouring
Speaker 3: into that, like you know, just putting a couple of
Speaker 3: dollars in it every month at least.
Speaker 4: And what's the highest they want to give? What's the interest?
Speaker 1: Uh, let me look up a bank and see what
Speaker 1: is the current interest rate on a savings account in
Speaker 1: GERI Okay, go ahead, I'll come back.
Speaker 2: In all right.
Speaker 3: While you're looking at up, I'm gonna go to the
Speaker 3: next one, which already discussed what y'all. It says, create
Speaker 3: a meal plan. So that's what I did, And it
Speaker 3: really did drop my spending on food down to a
Speaker 3: fraction of what I had been spending. And it also
Speaker 3: dropped my weight down to a fraction of the size
Speaker 3: I was bit because, and you know, obviously I didn't
Speaker 3: just eat like salads in factory meals. I will also
Speaker 3: get fruit in like sugar free chocolate and shit talking about.
Speaker 1: The price of fruit and vegetables for them to be
Speaker 1: good once you buy in like I'm sick of buying
Speaker 1: nasty ass mangos. I'm sick of buying nasty ass apples
Speaker 1: like the fruit they say they just I'm gonna start
Speaker 1: returning shit. When I tell you, my mama will return
Speaker 1: your ass to the grocery store. She needed to me too.
Speaker 2: I am one.
Speaker 3: I will come in there with a banana open. Excuse me,
Speaker 3: this banana ain't right. I would like another. I really
Speaker 3: that girl. If I cut into it and it ain't right,
Speaker 3: I'm going to take your back. I don't get one peach, Hi,
Speaker 3: good morning. I bought this peach yesterday. I bought this
Speaker 3: peach four days ago, and look at it.
Speaker 1: Now I need my gas money back for having to
Speaker 1: come drive back over here. I also need that back now.
Speaker 1: One thing Harris Theater does like they have a guarantee
Speaker 1: fresh seafood policy. So if you buy some seafood from
Speaker 1: and it's bad, like, they give you back double your money.
Speaker 1: I like that. Yes, me too, because me buying like
Speaker 1: a whole twenty dollars fucking red snapper and get home
Speaker 1: and the shit is fucking bad, I gotta now drive
Speaker 1: back to your establishment to return it.
Speaker 4: You just gonna get me back the same money.
Speaker 1: No, not just high as inflation, right, I like that too.
Speaker 2: Another thing that says is batch errands.
Speaker 3: So with the price of gas, commuting or running multiple
Speaker 3: errans in a week can get expensive. Rather than driving
Speaker 3: back and forth to the store whenever you need something,
Speaker 3: try batching your errands so you can accomplish all of
Speaker 3: them in one trip. I mean, I guess that makes
Speaker 3: sense because some people go to the grocery store and
Speaker 3: get one meal every day.
Speaker 2: Yeah that's me especially, Yeah, I.
Speaker 1: For real, I do whatever. I'm a cook, I tend
Speaker 1: to go to the grocery store to get it for
Speaker 1: that day. I don't really like store. I'm freezing stuff,
Speaker 1: you know.
Speaker 3: But you can save on gas if you just bought
Speaker 3: a bunch of shit at one time, at least three
Speaker 3: days worth. Okay, And this one says investing tips, Treasury
Speaker 3: inflation protected securities is a government security designed to help
Speaker 3: protect you against inflation. What says TIPS apart from other
Speaker 3: government securities is that the principle is not fixed. Instead,
Speaker 3: it can go up and down with inflation as measured
Speaker 3: by the Consumer Price indecks CPI. When inflation rises, you
Speaker 3: can benefit from higher income payments. Tips can come in
Speaker 3: terms of five, ten, or thirty years. At maturity, you
Speaker 3: either get the higher just a principle or the original value.
Speaker 3: So the benefit is you never risk losing your initial
Speaker 3: principal investment. I've never heard of that.
Speaker 4: I'm gonna have to look into that.
Speaker 2: Yeah, so y'all look up tips.
Speaker 3: And then lastly, it says speak to a financial advisor,
Speaker 3: get you someone who can help you manage your money.
Speaker 1: But you got to pay, yeah, like.
Speaker 3: We got to pay them to So I mean that's
Speaker 3: if you can afford to, you know, pay somebody to.
Speaker 2: Help you with your money.
Speaker 3: But there are people out there who don't cost as
Speaker 3: much that can do it. You know, you can find
Speaker 3: someone who can help. If you can, if it's in
Speaker 3: the budget.
Speaker 4: YouTube university, figure it out yourself.
Speaker 1: Like at this point, like you're going to have to
Speaker 1: eliminate some of your bills, right, So getting a financial advisor,
Speaker 1: that's not really it's a good thing, right, but most
Speaker 1: people they can't afford a financial advisor. Not a real
Speaker 1: good per you know. And if you're not making a
Speaker 1: certain amount of money, like what are you really advising
Speaker 1: advising for?
Speaker 3: Like put that fifty cent over there and put another
Speaker 3: dollar on that side.
Speaker 1: Yeah, Like I don't know, it's rough out here, but
Speaker 1: just these are just some like online banks, online savings.
Speaker 1: So I'm seeing like rates of five point three percent
Speaker 1: five point two five percent on high interest yield savings accounts.
Speaker 1: That's not a lot of money. Depend depending on how
Speaker 1: much money you're actually putting into this state, into this
Speaker 1: savings account.
Speaker 4: It's really not a lot of money.
Speaker 1: Now, I'm gonna tell y'all, So my options, I have
Speaker 1: been trying to set a goal to make five hundred
Speaker 1: dollars a day on options. Now I'm gonna tell y'all
Speaker 1: it could be one day I might lose fifteen Okay,
Speaker 1: but I have been making that goal for the last
Speaker 1: couple of months. Okay, I've lost, Yeah, but I've lost
Speaker 1: some money. But it's not like my initial investment that
Speaker 1: I've lost. Right that to me, you don't got to
Speaker 1: hire paying job than options. That is the highest paying
Speaker 1: job that you could fucking have, right if you can
Speaker 1: figure out a low routine. So this is just the
Speaker 1: one little tidbit if you're interested in options. The thing
Speaker 1: I've been doing for the last couple weeks, I've been
Speaker 1: getting in the S and P five hundred right at
Speaker 1: the end of the day, so add three, so this
Speaker 1: is thirty minutes a day basically. So right at like
Speaker 1: three o'clock, I start looking at the market, I start
Speaker 1: looking at S and P five hundred. You can buy
Speaker 1: option contracts cheaper on Thursdays and Fridays, that's one thing.
Speaker 1: And the market now allows you to trade fifteen minutes
Speaker 1: after the market opens and fifteen minutes after it closes
Speaker 1: when you buy same day contracts, and you can actually
Speaker 1: like if the if you think that S and P
Speaker 1: five hundred is going to keep going up after the
Speaker 1: market closes, you could double your fucking money so fast.
Speaker 1: But if it goes the opposite way. You could also
Speaker 1: lose it really fast. So I would suggest people to
Speaker 1: sign up for TD was not TD Ameritrade anymore.
Speaker 4: I'm TD amer Trade.
Speaker 1: It's not. It's not. It's Charles Swab. Now for think
Speaker 1: a swim. Sign up for think a swim and do
Speaker 1: some paper tradeing. Paper trading is like using fake money,
Speaker 1: so you can get acclimated and just try it first
Speaker 1: before you That's.
Speaker 2: What I wanted money. I want to learn, learn how
Speaker 2: to play with that girl.
Speaker 1: When I tell you there's something like I didn't cried
Speaker 1: one day, but then other days.
Speaker 2: I cry a lot of dollar days.
Speaker 3: So it's a buy some money instead of these niggas.
Speaker 1: Every day thirty minutes thirty minutes, the last thirty minutes
Speaker 1: of the day, you should be able to make a
Speaker 1: couple hundred dollars honestly.
Speaker 3: All right, well, maybe we need to sit down and
Speaker 3: you can teach me, or maybe you should do like
Speaker 3: a live and teach all us, bitch, because I got
Speaker 3: a curriculum.
Speaker 1: It's gonna cost you though, that's another investment.
Speaker 3: Listen, all right, well, do you have any last last
Speaker 3: for today?
Speaker 2: What's your last word? Oh?
Speaker 4: Last word?
Speaker 1: Couple up. Get you a nigga, Stop backing like you
Speaker 1: independent bitch. Alright, save a couple of dollars. Get you
Speaker 1: a fucking boyfriend, girl, he might not be that cute.
Speaker 3: Get him. Get a boyfriend that can contribute, because right,
Speaker 3: don't get it?
Speaker 2: And who need help?
Speaker 4: Bit, you need help?
Speaker 1: And this is not just for women, right this, this
Speaker 1: is for everybody whoever's listening. Couple up.
Speaker 4: That's one way to battle inflation.
Speaker 1: Right. Of course, saving money another thing. Call these credit
Speaker 1: card companies. If you owe anybody any money. Everything in
Speaker 1: life is negotiable, negotiable everything. Call them see if you
Speaker 1: can get a lot of interest rate if you don't
Speaker 1: have to take my way right to do some shit.
Speaker 1: But if you don't have it, you don't have it.
Speaker 1: And it's not that I don't have it. Y'all can
Speaker 1: have it.
Speaker 3: My last last is stop spending on frivolous bullshit trying
Speaker 3: to keep up with the joins. Isn't trying to look
Speaker 3: a certain way or be validated by.
Speaker 1: Things social media?
Speaker 3: Don't let yeah, yeah, don't allow these things to validate you.
Speaker 3: Your work is not aligned with how much stuff you got,
Speaker 3: How good are you as a person?
Speaker 2: Are you a good person? Are you healthy?
Speaker 3: Are your friends and family healthy? Are you making positive
Speaker 3: connections with people?
Speaker 2: That's where your value lies, you know, not in the
Speaker 2: things that you have.
Speaker 3: So yeah, fuck that stuff and save your money and
Speaker 3: be kind and be good to people.
Speaker 2: That's my last last period period period poop.
Speaker 1: Look at us.
Speaker 4: Giving a little slight financial advice.
Speaker 1: Alright, y'all listen if you enjoyed this episode, because these
Speaker 1: motherfuckers trying to put me on this hotel. If you
Speaker 1: enjoyed this episode, y'all tune in every Thursday on The
Speaker 1: Black Effect podcast. iHeartRadio apple Way, but though fuck you
Speaker 1: get your podcasts. That is your co host, aj Holiday
Speaker 1: two point oh, hailing all the way from Saint Martin
Speaker 1: Stratton on a motherfucker island. I probably should have got
Speaker 1: on tender livet sight and see what was popping.
Speaker 4: Anyway, what's up, tam Bam.
Speaker 3: You did right by keeping your ass off of there,
Speaker 3: crazy ass girl, y'all.
Speaker 2: It's official, Tam Bam. I love y'all.
Speaker 3: Follow me on Instagram, send us your dumb bitch stories.
Speaker 3: It's hide outside. I know y'all been doing some shit.
Speaker 3: It's it's ninety five it's seven pm, Friday, ninety five degrees.
Speaker 3: That's my favorite shit right now, y'all, that's my favorite shit.
Speaker 2: I love y'all.
Speaker 3: Remember speak now and never hold your peace hold your
Speaker 3: money though, period,