1 00:00:16,840 --> 00:00:21,000 Speaker 1: Hey, Hey, so I think I have the palu. 2 00:00:21,600 --> 00:00:22,880 Speaker 2: Oh no, not you too. 3 00:00:24,560 --> 00:00:27,240 Speaker 1: Oh before vacations, I'm like, I'm supposed to be leaving 4 00:00:28,160 --> 00:00:30,720 Speaker 1: We're Australia tomorrow. And I'm like, oh my gosh, I'm 5 00:00:30,760 --> 00:00:33,800 Speaker 1: like sweating coffee, sneezing. I feel terrible. 6 00:00:34,280 --> 00:00:36,000 Speaker 2: You didn't look that. You didn't look at all sick 7 00:00:36,120 --> 00:00:36,600 Speaker 2: last night. 8 00:00:37,240 --> 00:00:39,360 Speaker 1: I didn't feel it. Honestly, when we hung out last night, 9 00:00:39,440 --> 00:00:42,279 Speaker 1: I was fine. Honestly. I woke up today. I was like, oh, 10 00:00:42,320 --> 00:00:44,280 Speaker 1: a little sneeze and another sneeze, and I'm like, wait, 11 00:00:44,280 --> 00:00:46,440 Speaker 1: are you feel sneeze five times in a row? 12 00:00:46,680 --> 00:00:46,880 Speaker 2: Oh? 13 00:00:46,920 --> 00:00:52,199 Speaker 1: No? Sorry? It declined from there and I'm like, oh 14 00:00:52,200 --> 00:00:54,680 Speaker 1: my god, I have not even packed. I'm like Drew's like, 15 00:00:54,920 --> 00:00:56,520 Speaker 1: so are you going? I'm like. 16 00:00:59,040 --> 00:01:01,160 Speaker 2: My dad. I called my dad earlier and he has 17 00:01:01,200 --> 00:01:04,880 Speaker 2: the Flutis this season? 18 00:01:05,560 --> 00:01:07,200 Speaker 1: Is that what it is? Probably? 19 00:01:07,480 --> 00:01:09,800 Speaker 2: Oh yeah, I mean this is uh, this is the 20 00:01:09,880 --> 00:01:12,880 Speaker 2: time when it's just starting to spread around. I don't know, 21 00:01:13,040 --> 00:01:14,600 Speaker 2: do you ever get I get? I got the flu 22 00:01:14,640 --> 00:01:19,440 Speaker 2: shot last year and I haven't had the flu, so 23 00:01:19,480 --> 00:01:20,960 Speaker 2: I guess maybe I should do it again. I guess 24 00:01:20,959 --> 00:01:22,360 Speaker 2: it worked. Have you gotten the flu shot? 25 00:01:23,280 --> 00:01:24,720 Speaker 1: I've never gotten the flu shot before. 26 00:01:25,200 --> 00:01:29,480 Speaker 2: You should probably get the flu shot definitely, yeah, I mean, 27 00:01:29,640 --> 00:01:31,400 Speaker 2: I mean, I know it doesn't like cover all the 28 00:01:31,440 --> 00:01:33,800 Speaker 2: types of flus, but yeah, you should definitely get the 29 00:01:33,800 --> 00:01:36,560 Speaker 2: flu shot. And it's not like you can do it anywhere, 30 00:01:36,600 --> 00:01:38,720 Speaker 2: like you can go to CBS Dayne Reid or your 31 00:01:38,760 --> 00:01:41,120 Speaker 2: doctor obviously, I just we would just we just went 32 00:01:41,160 --> 00:01:44,960 Speaker 2: to Dwayne Reid, me and my coworker because my yeah, 33 00:01:44,959 --> 00:01:46,600 Speaker 2: that's what happened last year one of my two of 34 00:01:46,680 --> 00:01:49,560 Speaker 2: my coworkers got the flu and we were like not today, 35 00:01:49,840 --> 00:01:52,200 Speaker 2: and we on our lunch break went to Dwayne Read 36 00:01:52,240 --> 00:01:53,960 Speaker 2: and got the shot. Yeah. 37 00:01:54,360 --> 00:01:55,600 Speaker 1: I heard it makes you get the flu. 38 00:01:55,640 --> 00:01:59,280 Speaker 2: Though I heard, no, it shouldn't. I mean I I 39 00:01:59,280 --> 00:02:01,880 Speaker 2: I actually I experienced that one time. I got the 40 00:02:01,920 --> 00:02:05,320 Speaker 2: flu vaccine, like uh, I forget. It must have been 41 00:02:05,360 --> 00:02:07,160 Speaker 2: like five or six years ago, and I did get 42 00:02:07,200 --> 00:02:09,760 Speaker 2: sick afterward, but like for a day or two I 43 00:02:09,760 --> 00:02:12,600 Speaker 2: had like a head cold. That is like for some 44 00:02:12,680 --> 00:02:14,880 Speaker 2: people that happens. But I think that I don't know. 45 00:02:15,040 --> 00:02:19,760 Speaker 2: Last year, I didn't have any complications. So no, I mean, 46 00:02:19,800 --> 00:02:22,200 Speaker 2: consult your doctor, I guess, but you got it now, 47 00:02:22,280 --> 00:02:24,560 Speaker 2: so I don't know, yeah. 48 00:02:24,680 --> 00:02:25,120 Speaker 1: We'll see. 49 00:02:25,280 --> 00:02:30,560 Speaker 2: I mean, I hopefully I know what doctor Google said, 50 00:02:33,639 --> 00:02:34,840 Speaker 2: so I mean just tea. 51 00:02:34,960 --> 00:02:36,920 Speaker 1: I've been like, I'm gonna like take some night pul 52 00:02:36,960 --> 00:02:38,639 Speaker 1: with me on the plane and so I'm gonna be 53 00:02:38,680 --> 00:02:41,760 Speaker 1: on it for hours and hours and hours anyway, so 54 00:02:41,800 --> 00:02:44,200 Speaker 1: hopefully I can hopefully person next to me you won't 55 00:02:44,240 --> 00:02:46,079 Speaker 1: mind my snoring so that I'm sure I'll be doing 56 00:02:46,840 --> 00:02:48,840 Speaker 1: no But you know, such as life. 57 00:02:49,280 --> 00:02:51,680 Speaker 2: You know, this is how epidemics gets spread. One person 58 00:02:51,680 --> 00:02:52,840 Speaker 2: gets on a plane. 59 00:02:55,440 --> 00:02:56,880 Speaker 1: About flu with me to Australia. 60 00:02:57,840 --> 00:02:58,120 Speaker 2: No. 61 00:03:02,440 --> 00:03:06,520 Speaker 1: Well, so I went to the doctor today and I 62 00:03:06,639 --> 00:03:07,760 Speaker 1: was like wait a minute, because I was like, you 63 00:03:07,800 --> 00:03:09,280 Speaker 1: know what, because you know, we talked about last night, 64 00:03:09,280 --> 00:03:11,079 Speaker 1: how well I always tell y'all that I'm trying to 65 00:03:11,120 --> 00:03:14,480 Speaker 1: get these this baby started, and so this is my 66 00:03:14,520 --> 00:03:16,520 Speaker 1: third doctor. But I wanted, you know, you just kind 67 00:03:16,560 --> 00:03:18,799 Speaker 1: of test doctors out to try to figure out do 68 00:03:18,880 --> 00:03:20,480 Speaker 1: I like this one and I really like this one. 69 00:03:20,520 --> 00:03:24,960 Speaker 1: So I think she's the girl, and so I have 70 00:03:25,040 --> 00:03:28,440 Speaker 1: to get like a full what is that a mammogram? 71 00:03:29,000 --> 00:03:31,280 Speaker 1: What's that sound? What's that thing when they put the 72 00:03:31,280 --> 00:03:32,960 Speaker 1: stuff on your stomach? I usually it's when you have 73 00:03:32,960 --> 00:03:34,520 Speaker 1: a baby. But you can look for other stuff. 74 00:03:34,560 --> 00:03:37,320 Speaker 2: The oh you know that ultrasound goop. 75 00:03:38,040 --> 00:03:40,320 Speaker 1: Yes, the ultrasound. So I have to go for an ultrasound. 76 00:03:40,360 --> 00:03:43,040 Speaker 1: But she said she could tell she felt that. She 77 00:03:43,160 --> 00:03:46,120 Speaker 1: was like, h yes, you have very large fib words. 78 00:03:46,120 --> 00:03:50,240 Speaker 1: She's a tiffany. So apparently firewords are like these fleshy, 79 00:03:50,280 --> 00:03:53,920 Speaker 1: typically benign tumors that are like red like not red, 80 00:03:53,920 --> 00:03:57,160 Speaker 1: but pink like rubbery balls basically that grow in the 81 00:03:57,200 --> 00:03:59,280 Speaker 1: lining of your uterus. So if you think of like 82 00:03:59,320 --> 00:04:02,200 Speaker 1: universe kind of looks like a little girl's head with 83 00:04:02,280 --> 00:04:05,120 Speaker 1: ponytails coming out the side, those are the fallopian tubes, 84 00:04:05,160 --> 00:04:10,240 Speaker 1: I mean. And so the the the fiveboids kind of 85 00:04:10,240 --> 00:04:13,280 Speaker 1: grow on the fleshy part of the head. And so 86 00:04:13,520 --> 00:04:15,600 Speaker 1: she was like that mine are so big that my 87 00:04:16,360 --> 00:04:19,800 Speaker 1: uterus is like the size of someone who's four months pregnant. 88 00:04:20,120 --> 00:04:22,600 Speaker 1: Oh wow, I was. I know. I couldn't believe she 89 00:04:22,640 --> 00:04:24,320 Speaker 1: said four or five months, because remember I kept telling 90 00:04:24,320 --> 00:04:25,920 Speaker 1: you before, it's like I don't always have this little pouch. 91 00:04:25,960 --> 00:04:29,320 Speaker 1: I always have this little pouch. And she was like, yeah, 92 00:04:29,520 --> 00:04:31,440 Speaker 1: this has to be like if you want to have 93 00:04:31,480 --> 00:04:34,040 Speaker 1: a kid, you're gonna have to have surgery and I 94 00:04:34,160 --> 00:04:37,880 Speaker 1: was like, no, So I just want to want to 95 00:04:37,880 --> 00:04:39,320 Speaker 1: give everybody up there because I know there's other women 96 00:04:39,320 --> 00:04:40,720 Speaker 1: who are dealing with five boyds. You guys have like 97 00:04:40,760 --> 00:04:43,800 Speaker 1: messaged me and stuff, and so you know, I just 98 00:04:43,920 --> 00:04:46,680 Speaker 1: was like, you know what, I yeah, she just said, 99 00:04:46,680 --> 00:04:49,039 Speaker 1: you know, because there's not gonna be any room. Basically, 100 00:04:49,200 --> 00:04:51,919 Speaker 1: she's like, sometimes women can have children and five boyds 101 00:04:51,960 --> 00:04:55,920 Speaker 1: because and sometimes also too that the hormones if you're pregnant, 102 00:04:55,920 --> 00:04:58,200 Speaker 1: the five boards actually grow, and she was like, yours 103 00:04:58,400 --> 00:05:01,599 Speaker 1: are significantly big, Tiffany. I think she said anything over 104 00:05:01,720 --> 00:05:04,720 Speaker 1: nine centimeters or something like that. They really tell you 105 00:05:04,720 --> 00:05:07,400 Speaker 1: to have them taken out because you're if not your 106 00:05:07,520 --> 00:05:10,600 Speaker 1: your high, it's your pregnancy is highly likely to end 107 00:05:10,600 --> 00:05:13,680 Speaker 1: in a miscarriage. And of course obviously I don't you know, 108 00:05:13,720 --> 00:05:17,000 Speaker 1: I want that obviously, So just because there's literally no space, 109 00:05:17,360 --> 00:05:22,120 Speaker 1: like if I'm already like there's basically if my fireboards 110 00:05:22,160 --> 00:05:24,400 Speaker 1: are taking up the space of a four month old baby, 111 00:05:24,920 --> 00:05:26,680 Speaker 1: like where does the real baby go? You know? 112 00:05:26,920 --> 00:05:30,920 Speaker 2: Yeah? Yeah, and this is your second opinion, right because 113 00:05:30,920 --> 00:05:33,120 Speaker 2: you had gone third, your third, it's. 114 00:05:32,960 --> 00:05:35,560 Speaker 1: My third because I just said, you know, like I 115 00:05:36,000 --> 00:05:38,560 Speaker 1: because I had gone before and I was just like okay, 116 00:05:38,640 --> 00:05:40,719 Speaker 1: and I gone again. And it was a guy and 117 00:05:41,000 --> 00:05:42,720 Speaker 1: he was like right away, he was like, you need surgery. 118 00:05:42,720 --> 00:05:44,120 Speaker 1: I just did. I felt like it was so abrupt. 119 00:05:44,120 --> 00:05:45,840 Speaker 1: I was like, man, you don't know what you're talking about. 120 00:05:46,080 --> 00:05:47,919 Speaker 1: And so I asked a girlfriend of mine who was like, 121 00:05:47,960 --> 00:05:50,600 Speaker 1: I got a really awesome doctor because she has fibroids. 122 00:05:50,760 --> 00:05:53,440 Speaker 1: And she was like, she's amazing, and so I went 123 00:05:53,480 --> 00:05:56,200 Speaker 1: and honestly, her staff was amazing. Shouts to doctor Parchment 124 00:05:56,760 --> 00:06:00,159 Speaker 1: in Maplewood. She the staff was amazing. Everyone was so 125 00:06:00,400 --> 00:06:03,320 Speaker 1: nice and so like, and her energy was just so great. 126 00:06:03,920 --> 00:06:07,200 Speaker 1: And yeah, she was just like, you know, obviously I 127 00:06:07,240 --> 00:06:09,400 Speaker 1: have to get an ultrasound to see, like what's really happening. 128 00:06:09,440 --> 00:06:11,080 Speaker 1: She's like, but I can feel and I can see 129 00:06:11,200 --> 00:06:14,000 Speaker 1: because literally you can, like if you touch someone just 130 00:06:14,040 --> 00:06:16,040 Speaker 1: like belly, you know you. She's like, if they're big enough, 131 00:06:16,040 --> 00:06:17,440 Speaker 1: you can feel them. She's like, I can feel them. 132 00:06:17,760 --> 00:06:19,240 Speaker 1: She's like, you feel this lump right here, because you 133 00:06:19,240 --> 00:06:20,960 Speaker 1: know you what, it's your body. You don't think about it. 134 00:06:21,000 --> 00:06:22,920 Speaker 1: I'm just like I have a little belly. She's like, nope, 135 00:06:22,960 --> 00:06:25,800 Speaker 1: this right here. Brother was just like, what you know, 136 00:06:26,080 --> 00:06:28,960 Speaker 1: and she was like, literally, it's like she was like, like, 137 00:06:29,080 --> 00:06:31,080 Speaker 1: your unius is supposed to be where you know how 138 00:06:31,080 --> 00:06:33,680 Speaker 1: people have to foop up between your your hu ha 139 00:06:33,920 --> 00:06:37,560 Speaker 1: and your your and your belly button. Sure, that's where 140 00:06:37,560 --> 00:06:39,760 Speaker 1: you that's where your universe is supposed to basically sit. 141 00:06:39,920 --> 00:06:41,479 Speaker 1: And she was like, the five boys are pushing up 142 00:06:41,480 --> 00:06:43,440 Speaker 1: and you're like, it's like past your belly button. And 143 00:06:43,480 --> 00:06:46,479 Speaker 1: I was like, what so, and if five boys are 144 00:06:46,520 --> 00:06:50,800 Speaker 1: typically hereditary, you know, not always, but typically and I 145 00:06:50,839 --> 00:06:52,880 Speaker 1: know I've definitely heard of people like She's like, sometimes 146 00:06:52,920 --> 00:06:54,840 Speaker 1: they're small enough where you can get laser surgery or 147 00:06:54,920 --> 00:06:57,000 Speaker 1: you can shrink them. And but she was like, if 148 00:06:57,040 --> 00:06:59,600 Speaker 1: you're wanting to have a child, you know, I really 149 00:06:59,600 --> 00:07:03,440 Speaker 1: don't see any other option beside surgery. And surgery is 150 00:07:03,600 --> 00:07:05,520 Speaker 1: she does the surgery actually, which I was like, well, 151 00:07:05,560 --> 00:07:07,000 Speaker 1: how many years have you been doing this? She said 152 00:07:07,040 --> 00:07:10,640 Speaker 1: twenty And she said that she she basically is in 153 00:07:10,720 --> 00:07:12,720 Speaker 1: the o R. She said, every week, and this is 154 00:07:12,760 --> 00:07:14,800 Speaker 1: the surgery she does quite often. And she said, honestly, 155 00:07:15,160 --> 00:07:18,320 Speaker 1: the majority of her patients go on to have kids. 156 00:07:18,640 --> 00:07:20,400 Speaker 1: So she was like, you know, I mean, obviously there's 157 00:07:20,400 --> 00:07:22,800 Speaker 1: no guarantee, but she was like, that's you know, And 158 00:07:22,840 --> 00:07:27,640 Speaker 1: I said, okay, So I want to have surgery, which 159 00:07:27,640 --> 00:07:29,120 Speaker 1: I'm like, ash. She said, I'll be out of a 160 00:07:29,160 --> 00:07:31,200 Speaker 1: bishit basically, like especially for the first two weeks, but 161 00:07:31,240 --> 00:07:33,720 Speaker 1: really it's six weeks recovery at home. I said, well, thankfully, 162 00:07:33,840 --> 00:07:36,240 Speaker 1: you know, I basically work from home. She was like, well, 163 00:07:36,280 --> 00:07:38,720 Speaker 1: you know you'll be able to You'll just be home. Yeah, 164 00:07:38,800 --> 00:07:41,000 Speaker 1: And I said, so, I just wanted to give you 165 00:07:41,040 --> 00:07:43,360 Speaker 1: all a update about some real life ish. Wow. So 166 00:07:43,360 --> 00:07:45,680 Speaker 1: what's going on in the woods and. 167 00:07:45,760 --> 00:07:50,840 Speaker 2: My neck of the woods? Al roker, You know, things 168 00:07:51,000 --> 00:07:54,440 Speaker 2: are fine, things are good. It's the end of the month, 169 00:07:54,480 --> 00:07:57,440 Speaker 2: which is like the craziest month at work at work 170 00:07:57,480 --> 00:08:00,160 Speaker 2: for us. But I wanted to talk real quick. I 171 00:08:00,480 --> 00:08:02,680 Speaker 2: read this headline and I couldn't believe it. But I 172 00:08:02,880 --> 00:08:06,560 Speaker 2: actually had a really scary moment, and I'm a little shook. 173 00:08:07,160 --> 00:08:10,680 Speaker 2: I might have agreed with President Trump on something. Ah 174 00:08:10,840 --> 00:08:13,560 Speaker 2: what happened, And I don't know quite what that means 175 00:08:13,600 --> 00:08:16,360 Speaker 2: about me. So what happened was so we all know 176 00:08:16,440 --> 00:08:19,760 Speaker 2: that the Republicans are trying to push through some tax 177 00:08:19,800 --> 00:08:22,720 Speaker 2: reforms like they have failed and failed and failed to 178 00:08:22,800 --> 00:08:25,880 Speaker 2: push through an Obamacare repeal, and this is like their 179 00:08:25,960 --> 00:08:28,800 Speaker 2: last chance before the year ends to like actually do 180 00:08:28,920 --> 00:08:32,960 Speaker 2: something productive with their time. So back in a few 181 00:08:32,960 --> 00:08:35,880 Speaker 2: months ago, I think Trump released his proposal tax for 182 00:08:35,960 --> 00:08:39,600 Speaker 2: the tax changes, and essentially he's you know, calling for 183 00:08:39,720 --> 00:08:42,440 Speaker 2: some tax cuts to the middle class, to basically all 184 00:08:42,480 --> 00:08:46,680 Speaker 2: income brackets, some tax cuts. But his plan was so vague. 185 00:08:47,320 --> 00:08:50,520 Speaker 2: It was basically like just a couple of pages. And 186 00:08:50,600 --> 00:08:53,280 Speaker 2: it's been up to the Republicans in Congress to like 187 00:08:53,320 --> 00:08:56,280 Speaker 2: actually fill in the gaps and come up with a 188 00:08:56,360 --> 00:08:59,439 Speaker 2: way to pay for the tax cuts. Because you know, obviously, 189 00:08:59,520 --> 00:09:01,560 Speaker 2: every all the great public works that we have are 190 00:09:01,600 --> 00:09:05,320 Speaker 2: paid for by taxes, so when you reduce taxes on people, 191 00:09:05,440 --> 00:09:10,520 Speaker 2: you're reducing revenue and anyhow, so the Republicans are at 192 00:09:10,520 --> 00:09:12,200 Speaker 2: work right now going back and forth and like how 193 00:09:12,280 --> 00:09:13,720 Speaker 2: are we going to pay for these tax cuts? And 194 00:09:13,760 --> 00:09:17,920 Speaker 2: apparently there was rumors that they were discussing decreasing the 195 00:09:17,960 --> 00:09:20,360 Speaker 2: amount of money that we can put into our four 196 00:09:20,360 --> 00:09:24,760 Speaker 2: to one k like pre tax Yeah, that's what everyone said. 197 00:09:25,080 --> 00:09:27,080 Speaker 2: Say what so wet, like you can put up to 198 00:09:27,120 --> 00:09:29,800 Speaker 2: eighteen thousand dollars away. This is a huge tax benefit 199 00:09:29,880 --> 00:09:33,480 Speaker 2: for everybody, I mean, everywheer no matter your income, and 200 00:09:33,520 --> 00:09:35,840 Speaker 2: it's one of the few really good tax breaks that 201 00:09:35,880 --> 00:09:39,800 Speaker 2: I think the average Joe actually qualifies for without needing, 202 00:09:39,880 --> 00:09:43,520 Speaker 2: like you know, Donald Trump's accountant doing his higgeley piggledy 203 00:09:43,559 --> 00:09:46,840 Speaker 2: and getting him out of taxes. So it is like 204 00:09:46,880 --> 00:09:49,200 Speaker 2: it caused this whole kerfuffle, and like everyone was kind 205 00:09:49,200 --> 00:09:50,920 Speaker 2: of freaking out for the hot minute. But then Trump 206 00:09:50,960 --> 00:09:54,640 Speaker 2: tweeted and he said, there's no way we're going to 207 00:09:54,679 --> 00:09:57,840 Speaker 2: be reducing your four one K contribution. He said, this 208 00:09:57,920 --> 00:09:59,640 Speaker 2: is a great tax cut for the middle class. And 209 00:09:59,679 --> 00:10:02,520 Speaker 2: it worked because it's not going away. I'm paraphrasing, but 210 00:10:03,200 --> 00:10:06,679 Speaker 2: that is what And I was like, oh oh, I 211 00:10:06,720 --> 00:10:08,160 Speaker 2: was looking really hard. I was like, but. 212 00:10:10,200 --> 00:10:13,720 Speaker 1: I agree. Yeah, I mean, hey, I can say that. 213 00:10:13,880 --> 00:10:14,760 Speaker 1: I agree. 214 00:10:15,040 --> 00:10:19,080 Speaker 2: I agree. That's scary though. I mean, it's just I 215 00:10:19,080 --> 00:10:21,600 Speaker 2: feel like, you know, it sounds great to say you're 216 00:10:21,600 --> 00:10:24,000 Speaker 2: going to reduce taxes, and everyone wants to hear tax 217 00:10:24,000 --> 00:10:27,840 Speaker 2: cuts tax cuts, but you have to pay for them somehow, 218 00:10:27,880 --> 00:10:30,520 Speaker 2: And it's like it may feel good to get a 219 00:10:30,600 --> 00:10:33,600 Speaker 2: tax cut, but if they're going to be reducing benefits 220 00:10:33,640 --> 00:10:36,200 Speaker 2: that you enjoy on the back of it, then really 221 00:10:36,240 --> 00:10:39,520 Speaker 2: you're not winning, Like when everything is added up. So 222 00:10:39,559 --> 00:10:43,719 Speaker 2: it's just interesting. So that's what's happening in on on 223 00:10:43,880 --> 00:10:44,520 Speaker 2: Capitol Hill. 224 00:10:45,480 --> 00:10:49,720 Speaker 1: I feel like a broken clock is right twice a day. 225 00:10:50,200 --> 00:10:51,319 Speaker 2: I love that expression. 226 00:10:52,920 --> 00:10:54,839 Speaker 1: I was waiting for the athat you know what, let 227 00:10:54,880 --> 00:10:59,160 Speaker 1: me pull out an old Brandy expression. So, you know what, 228 00:10:59,320 --> 00:11:02,160 Speaker 1: if it's a twelve o'clock on that clock, guess what, 229 00:11:02,280 --> 00:11:04,360 Speaker 1: twice a day it'll be twelve o'clock. It don't mean 230 00:11:04,400 --> 00:11:07,319 Speaker 1: that the clock is working now. It just means, you know, 231 00:11:07,520 --> 00:11:12,920 Speaker 1: sometimes things are in alignment. Yeah, I see, it's certainly 232 00:11:12,960 --> 00:11:14,760 Speaker 1: a broken clock. But I'm just saying, but thanks, I'm 233 00:11:14,760 --> 00:11:16,920 Speaker 1: glad that he said. I'm going to give him, you know, 234 00:11:17,360 --> 00:11:22,960 Speaker 1: or that statement. It's props. So, yeah, this is like 235 00:11:23,040 --> 00:11:25,480 Speaker 1: semi random. But have you ever heard a four X. 236 00:11:25,520 --> 00:11:27,280 Speaker 1: I feel like a lot of people are doing that now, 237 00:11:27,559 --> 00:11:30,400 Speaker 1: Foreign exchange, yeah, for X trading. 238 00:11:31,640 --> 00:11:34,800 Speaker 2: Yeah, I've heard of it, but I'm not not. 239 00:11:34,679 --> 00:11:37,600 Speaker 1: Really I know, it's just random. I was just scrolling 240 00:11:37,600 --> 00:11:40,480 Speaker 1: through my timeline and someone was like, oh, taking my 241 00:11:40,520 --> 00:11:43,840 Speaker 1: for X classes, and I was just thinking to myself, 242 00:11:43,920 --> 00:11:46,760 Speaker 1: I've heard of like four X, but I'm not super familiar. 243 00:11:46,760 --> 00:11:48,440 Speaker 1: I'm not gonna lie. So I just just like, maybe 244 00:11:48,480 --> 00:11:51,920 Speaker 1: Mandy knows, because I see so many women are like, 245 00:11:52,200 --> 00:11:56,319 Speaker 1: uh taking or or more and more for women which 246 00:11:56,360 --> 00:11:58,920 Speaker 1: I like, are starting to invest more, you know, like 247 00:11:58,960 --> 00:12:02,080 Speaker 1: I know a lot of my friends taking in I. 248 00:12:01,960 --> 00:12:04,800 Speaker 2: Think, I mean, the all I know about four X 249 00:12:05,040 --> 00:12:08,719 Speaker 2: trading is I think it's where you just you trade currencies, 250 00:12:09,360 --> 00:12:13,040 Speaker 2: like you invest in different foreign currencies on the like, 251 00:12:13,440 --> 00:12:15,679 Speaker 2: because you say, okay, well it looks like, I don't know, 252 00:12:15,880 --> 00:12:18,199 Speaker 2: the British pound is doing really well right now, so 253 00:12:18,280 --> 00:12:22,400 Speaker 2: I'm going to invest in pounds or like, the British 254 00:12:22,480 --> 00:12:24,800 Speaker 2: pound is plummeting right now, so I'm gonna scoop some 255 00:12:24,960 --> 00:12:27,520 Speaker 2: up because they're cheap and then wait for it to 256 00:12:27,640 --> 00:12:31,480 Speaker 2: rise again and then convert it. That's my idea. Don't 257 00:12:31,520 --> 00:12:35,240 Speaker 2: quote me. I think that is the concept before X trading, 258 00:12:35,840 --> 00:12:37,960 Speaker 2: and I don't know, it sounds really complicated to me. 259 00:12:38,280 --> 00:12:40,839 Speaker 1: Yeah, no, I mean, I'm not gonna lie. I've never 260 00:12:41,040 --> 00:12:45,200 Speaker 1: been super when it comes to traditional and I mean 261 00:12:45,240 --> 00:12:48,719 Speaker 1: well traditional even traditional investing outside of like I can 262 00:12:48,760 --> 00:12:50,480 Speaker 1: buy a house. I'm one of those investors. There's this 263 00:12:50,480 --> 00:12:53,480 Speaker 1: guy named Tony Hirsch. He owns Zappos or I don't know, 264 00:12:53,520 --> 00:12:55,679 Speaker 1: if he's still the founder, but he's some billionaire guy. 265 00:12:55,880 --> 00:12:58,439 Speaker 1: And I remember, really, you know, relating to him, because 266 00:12:58,720 --> 00:13:01,360 Speaker 1: he said he didn't getty and stuff, so he didn't 267 00:13:01,679 --> 00:13:04,240 Speaker 1: that's not what he invested in. Instead, he invested in 268 00:13:04,280 --> 00:13:10,160 Speaker 1: businesses and like I guess, uh, real estate and tangible 269 00:13:10,160 --> 00:13:12,240 Speaker 1: things because he didn't quite understand it. He didn't believe 270 00:13:12,240 --> 00:13:14,640 Speaker 1: in investing in a space that he didn't understand or 271 00:13:14,679 --> 00:13:16,880 Speaker 1: wasn't willing to at least put the energy into understanding. 272 00:13:17,160 --> 00:13:19,120 Speaker 1: And I feel like that that like when it comes 273 00:13:19,120 --> 00:13:22,120 Speaker 1: to stocks, I mean like enough, but not well enough 274 00:13:22,160 --> 00:13:24,360 Speaker 1: to feel really comfortable by putting a whole lot of 275 00:13:24,440 --> 00:13:26,320 Speaker 1: money in, you know. And I also don't feel like 276 00:13:26,920 --> 00:13:29,200 Speaker 1: I'm all that interested in learning, which sounds terrible. So 277 00:13:29,240 --> 00:13:31,600 Speaker 1: I'm like m But then I told myself it's okay, 278 00:13:31,640 --> 00:13:33,800 Speaker 1: because there's other types of investing, right. You can invest 279 00:13:33,800 --> 00:13:36,880 Speaker 1: in in businesses, you can invest in real estate. There 280 00:13:36,880 --> 00:13:39,160 Speaker 1: are other things that to invest in. Although I do 281 00:13:39,240 --> 00:13:41,000 Speaker 1: have like my not my four O one K, but 282 00:13:41,080 --> 00:13:43,800 Speaker 1: like my I do have a retirement account obviously that's 283 00:13:43,840 --> 00:13:46,760 Speaker 1: invested in stocks and stuff like that. But I have 284 00:13:46,840 --> 00:13:49,880 Speaker 1: a financial advisor. And even though I'm like I don't 285 00:13:49,880 --> 00:13:52,720 Speaker 1: know half the stuff you're talking about. But I'm like, 286 00:13:52,720 --> 00:13:54,600 Speaker 1: explain again, and why again? 287 00:13:55,960 --> 00:13:58,040 Speaker 2: Now you should. I feel like I'm just now getting 288 00:13:58,080 --> 00:14:00,840 Speaker 2: the hand getting I feel confident and my abilities to 289 00:14:00,960 --> 00:14:04,760 Speaker 2: invest my retirement and invest in a brokerage fund outside 290 00:14:04,760 --> 00:14:07,000 Speaker 2: my retirement, and I feel really proud of that. And 291 00:14:07,040 --> 00:14:11,199 Speaker 2: now like this, like this, like these I don't know, these, 292 00:14:11,840 --> 00:14:15,200 Speaker 2: I don't know ap class investment things are just a 293 00:14:15,240 --> 00:14:17,360 Speaker 2: little bit I haven't quite gotten there yet. 294 00:14:17,400 --> 00:14:20,480 Speaker 1: And especially like once you start switching financial advisors, I'm 295 00:14:20,520 --> 00:14:24,760 Speaker 1: sure my financial advisor does not listen pay James. But 296 00:14:24,880 --> 00:14:28,760 Speaker 1: like I broke up with James, no, no, I know, 297 00:14:29,040 --> 00:14:31,760 Speaker 1: it was so weird. So I switched over to Frank because, 298 00:14:31,960 --> 00:14:33,920 Speaker 1: you know, because I started with James as a fee 299 00:14:33,920 --> 00:14:36,000 Speaker 1: based because you know, there's two types of ways that 300 00:14:36,040 --> 00:14:39,440 Speaker 1: you can pay your financial advisor. You can it's fee 301 00:14:39,440 --> 00:14:42,920 Speaker 1: based where wait, fee base is when you actually just 302 00:14:42,920 --> 00:14:45,640 Speaker 1: pay the lump sum, right, and then there's there are 303 00:14:45,880 --> 00:14:48,800 Speaker 1: financial advisors that get paid based upon your portfolio, like 304 00:14:48,800 --> 00:14:52,280 Speaker 1: a percentage, typically under one percent. So I started with James, 305 00:14:52,320 --> 00:14:54,080 Speaker 1: but I didn't have any money really because I didn't 306 00:14:54,080 --> 00:14:55,880 Speaker 1: have any money to pay him, and so he got 307 00:14:55,880 --> 00:14:59,280 Speaker 1: paid on my portfolio, which is not ideal, but at 308 00:14:59,360 --> 00:15:01,680 Speaker 1: least I would start. And then I was like, Okay, 309 00:15:01,720 --> 00:15:04,520 Speaker 1: now that I'm doing better, I don't want someone because 310 00:15:05,760 --> 00:15:08,480 Speaker 1: if I want to make sure that someone is being 311 00:15:08,520 --> 00:15:12,080 Speaker 1: paid based upon their performance, not based upon my money, 312 00:15:12,080 --> 00:15:14,720 Speaker 1: that's sitting there, you know. And so I switched over 313 00:15:14,840 --> 00:15:18,520 Speaker 1: to so me paying someone, you know, versus them getting 314 00:15:18,520 --> 00:15:21,440 Speaker 1: paid off my portfolio. So I switched over. And when 315 00:15:21,440 --> 00:15:24,280 Speaker 1: you switch over, I was rolling over my accounts from 316 00:15:24,400 --> 00:15:27,240 Speaker 1: James to Frank. But I didn't tell James because I 317 00:15:27,280 --> 00:15:28,840 Speaker 1: was like, ah, because you know, we're breaking up and 318 00:15:28,840 --> 00:15:31,240 Speaker 1: I didn't like so I kind of ghosted him. And 319 00:15:31,320 --> 00:15:32,760 Speaker 1: so when you have to sign a paperwork and I'm 320 00:15:32,760 --> 00:15:34,680 Speaker 1: sure Frank had to send the paperwork over to James. 321 00:15:34,920 --> 00:15:36,880 Speaker 1: And then the other day James called me and I 322 00:15:36,960 --> 00:15:39,840 Speaker 1: was like, I didn't pick up though, and I still 323 00:15:39,840 --> 00:15:42,640 Speaker 1: haven't listened to his message. I feel like such a 324 00:15:43,200 --> 00:15:45,240 Speaker 1: like such a like I'm running for my ex boyfriend. 325 00:15:45,320 --> 00:15:47,520 Speaker 1: I'm running for my ex financial advisor. I'm gonna call 326 00:15:47,600 --> 00:15:50,240 Speaker 1: him and let him know. I'm so sorry. It's not you, 327 00:15:50,360 --> 00:15:52,960 Speaker 1: it's not you, it's just I've grown. I'm just in 328 00:15:53,000 --> 00:15:58,240 Speaker 1: a different space. I'm moving forward, I know, but. 329 00:15:58,720 --> 00:16:02,240 Speaker 2: Don't dost them I professionals. We actually had to. We 330 00:16:02,280 --> 00:16:04,760 Speaker 2: didn't break up, but we did. We were doing monthly. 331 00:16:05,520 --> 00:16:10,080 Speaker 2: We were paying our financial planner monthly for a year, 332 00:16:10,200 --> 00:16:13,040 Speaker 2: and then once the year was up, we reassessed and 333 00:16:13,040 --> 00:16:15,560 Speaker 2: we're like, we really don't need monthly. We don't need 334 00:16:15,680 --> 00:16:17,560 Speaker 2: we don't need to pay two hundred bucks a month 335 00:16:18,160 --> 00:16:20,200 Speaker 2: for monthly calls. I mean, we have a good handle 336 00:16:20,240 --> 00:16:21,920 Speaker 2: on our finances. So we just I just sent her 337 00:16:21,920 --> 00:16:23,640 Speaker 2: an email and I said, Okay, we'd like to switch 338 00:16:23,640 --> 00:16:26,760 Speaker 2: to bi annually and just have a checkup and December 339 00:16:26,800 --> 00:16:28,280 Speaker 2: at the end of the year, and then have another 340 00:16:28,320 --> 00:16:31,160 Speaker 2: one midway through the year instead. And she was totally 341 00:16:31,160 --> 00:16:31,640 Speaker 2: cool with it. 342 00:16:32,880 --> 00:16:34,280 Speaker 1: Okay, yeah, I'm gonna let him now. 343 00:16:34,360 --> 00:16:36,160 Speaker 2: I mean, we weren't breaking up with him. Also, we 344 00:16:36,200 --> 00:16:38,080 Speaker 2: had to break up with her. We did break up 345 00:16:38,120 --> 00:16:40,120 Speaker 2: with our couples counselor, and that was kind of awkward, 346 00:16:40,960 --> 00:16:44,280 Speaker 2: really yeah, because we did. We did premiutal counseling before 347 00:16:44,280 --> 00:16:46,840 Speaker 2: the wedding and that was really helpful, especially because it's 348 00:16:46,840 --> 00:16:49,920 Speaker 2: such a stressful time. Man. And then for we went 349 00:16:50,000 --> 00:16:52,920 Speaker 2: like a couple of times I think after the wedding, 350 00:16:53,080 --> 00:16:55,320 Speaker 2: but I don't know. It was like the second or 351 00:16:55,320 --> 00:16:56,800 Speaker 2: third time where I was like, I don't know why 352 00:16:56,840 --> 00:16:59,400 Speaker 2: we're doing this, Like we're really struggling to find things 353 00:16:59,400 --> 00:17:02,000 Speaker 2: to talk about. Let's wait until we have some issues 354 00:17:03,040 --> 00:17:05,720 Speaker 2: to really talk about. And that was tough because she 355 00:17:05,800 --> 00:17:11,480 Speaker 2: kept texting and emailing and stuff. As you're like, I 356 00:17:11,520 --> 00:17:13,439 Speaker 2: want to book an next appointment, let's book it right now. 357 00:17:13,480 --> 00:17:17,440 Speaker 2: I'm like, oh yeah, and you did hide to eventually 358 00:17:17,480 --> 00:17:21,399 Speaker 2: send the breakup email. This is adulting, man, yes it is. 359 00:17:21,680 --> 00:17:23,320 Speaker 1: I'm like, I'm sorry, James. I'm going to bring up 360 00:17:23,320 --> 00:17:25,320 Speaker 1: with you officially when I get back from Australia. I 361 00:17:25,359 --> 00:17:28,199 Speaker 1: promise all. Like I said, James doesn't listen. I know. 362 00:17:28,280 --> 00:17:29,439 Speaker 1: James was like, gosh, darn it. 363 00:17:30,359 --> 00:17:32,720 Speaker 2: Also James, and what was the other one? Frank? Those 364 00:17:32,720 --> 00:17:35,080 Speaker 2: are like exactly what a financial planner's name should be. 365 00:17:35,520 --> 00:17:38,879 Speaker 1: I know, right, they may or may not be real names. 366 00:17:38,960 --> 00:17:42,640 Speaker 1: So whatever, you know, knowing me their likely room mate, 367 00:17:42,640 --> 00:17:43,560 Speaker 1: here's what whatever. 368 00:17:43,520 --> 00:17:46,080 Speaker 2: I actually I should I should mention this because one 369 00:17:46,080 --> 00:17:47,800 Speaker 2: of the things I found out about, and this is 370 00:17:47,800 --> 00:17:52,840 Speaker 2: something that I think people don't realize, but like financial planners, 371 00:17:52,840 --> 00:17:56,840 Speaker 2: so my financial planner. She has a CFP designation. She's 372 00:17:56,840 --> 00:17:59,520 Speaker 2: also a registered and investment advisor, but we didn't use 373 00:17:59,520 --> 00:18:03,000 Speaker 2: her for invat been planning, just financial planning. But one 374 00:18:03,080 --> 00:18:06,520 Speaker 2: of the things I've learned is that they don't know everything, Like, yeah, 375 00:18:06,680 --> 00:18:09,520 Speaker 2: CFP training does not cover a lot of things that 376 00:18:09,560 --> 00:18:12,160 Speaker 2: millennials are going through, like student loan debt and even 377 00:18:12,200 --> 00:18:14,800 Speaker 2: just buying a house. Like one of my colleagues is 378 00:18:14,880 --> 00:18:19,639 Speaker 2: currently studying to become a certified financial planner. And she's studying, 379 00:18:19,720 --> 00:18:23,399 Speaker 2: she's taking the classes, doing the coursework part of getting 380 00:18:23,400 --> 00:18:26,120 Speaker 2: the CFP. It takes like years to become an official 381 00:18:26,160 --> 00:18:29,560 Speaker 2: CFP certified, so anyway, and she's just like telling me 382 00:18:29,600 --> 00:18:31,520 Speaker 2: the most mind blowing things about how they don't They 383 00:18:31,520 --> 00:18:33,840 Speaker 2: barely talk about student loan debt. They barely talk about 384 00:18:33,840 --> 00:18:36,679 Speaker 2: buying a house. So when you're shopping for a financial planner, like, 385 00:18:37,080 --> 00:18:39,520 Speaker 2: if you have those specific issues, I'll just say, really 386 00:18:39,600 --> 00:18:42,680 Speaker 2: interview them and test their knowledge of those things, because 387 00:18:43,240 --> 00:18:44,800 Speaker 2: I think you all. I remember where we talked about 388 00:18:44,800 --> 00:18:48,040 Speaker 2: how my financial planner didn't like when we were paying 389 00:18:48,040 --> 00:18:50,560 Speaker 2: off my husband's student loan debt, like it was a 390 00:18:50,560 --> 00:18:53,800 Speaker 2: lot of money we were paying off and like, you 391 00:18:53,880 --> 00:18:56,200 Speaker 2: found out you can call if you're ready to pay 392 00:18:56,200 --> 00:18:59,000 Speaker 2: off the loan and try and negotiate a discount for 393 00:18:59,080 --> 00:19:01,280 Speaker 2: the loan balance that you and she didn't know. 394 00:19:01,320 --> 00:19:04,800 Speaker 1: That, yeah, yeah, ten to fifteen percent. 395 00:19:05,200 --> 00:19:07,040 Speaker 2: Yeah. And so I had that moment where I was 396 00:19:07,080 --> 00:19:08,800 Speaker 2: like oh, and she's like, oh yeah, I had no idea. 397 00:19:08,840 --> 00:19:12,320 Speaker 2: I was like, but you're supposed to know everything, aren't you. No, 398 00:19:12,520 --> 00:19:15,560 Speaker 2: they don't know everything. No, they know. And we were 399 00:19:15,560 --> 00:19:18,520 Speaker 2: talking about mortgages one time, and I think my husband 400 00:19:18,560 --> 00:19:20,920 Speaker 2: had asked what a what a five to one adjustable 401 00:19:21,000 --> 00:19:24,240 Speaker 2: rate mortgage was, and being a personal finance editor, I 402 00:19:24,240 --> 00:19:27,240 Speaker 2: had just edited a story and published a story on 403 00:19:27,440 --> 00:19:30,800 Speaker 2: our website about five one adjustable rate mortgages and I 404 00:19:30,800 --> 00:19:33,520 Speaker 2: hear the tap tap tapping from our financial planner and 405 00:19:33,520 --> 00:19:36,760 Speaker 2: she's like, oh, look, Magnify Money says that adjustable rate. 406 00:19:36,960 --> 00:19:40,840 Speaker 2: And I was like, wait, you're googling it. Oh no, wow. 407 00:19:42,040 --> 00:19:45,040 Speaker 2: So that's what I'm saying. When they don't really teach, 408 00:19:45,080 --> 00:19:47,600 Speaker 2: they don't go really really in depth into the mortgage 409 00:19:47,760 --> 00:19:49,639 Speaker 2: and student loan product, and that's an issue I think 410 00:19:49,640 --> 00:19:51,840 Speaker 2: they're going to have if they want, if they want 411 00:19:51,840 --> 00:19:54,919 Speaker 2: millennials to hire cfps, they need to train them. I 412 00:19:54,920 --> 00:19:57,119 Speaker 2: think that's why you see so many like financial planners, 413 00:19:57,160 --> 00:20:00,760 Speaker 2: these young financial planners doing these like courses and doing 414 00:20:00,760 --> 00:20:03,919 Speaker 2: this continuing education and stuff and learning the things that 415 00:20:03,960 --> 00:20:06,679 Speaker 2: their clients are asking them, because I don't know, I 416 00:20:06,680 --> 00:20:09,840 Speaker 2: feel like the CFP exam isn't really preparing people like 417 00:20:09,920 --> 00:20:10,760 Speaker 2: properly or like. 418 00:20:11,520 --> 00:20:14,919 Speaker 1: For real life things. It's like, because you're right. I 419 00:20:14,960 --> 00:20:17,240 Speaker 1: think it was like one I read an article I 420 00:20:17,240 --> 00:20:19,320 Speaker 1: can't remember, I don't know if it was Forbes, like 421 00:20:20,440 --> 00:20:24,600 Speaker 1: that there's this one so mid me. My brain is 422 00:20:24,600 --> 00:20:29,440 Speaker 1: like so unlike phlu mode, Like, so there's this is one, 423 00:20:29,960 --> 00:20:34,000 Speaker 1: I guess thing that you could offer millennials that makes 424 00:20:34,040 --> 00:20:36,840 Speaker 1: them like thirty percent more likely to say yes to 425 00:20:36,880 --> 00:20:39,480 Speaker 1: your job. And that's a student loan forgiveness or some 426 00:20:39,520 --> 00:20:42,639 Speaker 1: sort of student loan program. Because more and more, you know, 427 00:20:43,800 --> 00:20:45,960 Speaker 1: like I couldn't believe when one of my mentees was 428 00:20:45,960 --> 00:20:47,960 Speaker 1: telling me her interest rate was like nine percent. I'm like, 429 00:20:48,000 --> 00:20:50,719 Speaker 1: on your student loan because mine is under three percent, 430 00:20:51,480 --> 00:20:53,840 Speaker 1: you know, And I'm like, what, it's just I remember 431 00:20:53,840 --> 00:20:55,760 Speaker 1: when we met somebody like the other night and his 432 00:20:56,000 --> 00:20:58,080 Speaker 1: was like two percent. I guess that's back when the 433 00:20:58,119 --> 00:21:01,320 Speaker 1: government actually wants you to pay them off. These days, 434 00:21:01,760 --> 00:21:02,359 Speaker 1: people who. 435 00:21:02,359 --> 00:21:05,240 Speaker 2: Took out loans like in the seven year period between 436 00:21:05,280 --> 00:21:08,600 Speaker 2: like two thousand and two thousand and seven ish, like they, yeah, 437 00:21:08,600 --> 00:21:11,600 Speaker 2: they can have eight and nine percent federal loans, they 438 00:21:11,640 --> 00:21:14,760 Speaker 2: need to refinance those asapp like, there's no need to 439 00:21:14,800 --> 00:21:16,080 Speaker 2: have a nine percent student loan. 440 00:21:16,880 --> 00:21:19,399 Speaker 1: A student loan, is that a house? Like is that 441 00:21:19,440 --> 00:21:22,119 Speaker 1: a car? Not? Even there are cars and homes that 442 00:21:22,200 --> 00:21:24,920 Speaker 1: have better interest rates because honestly, my interest right now 443 00:21:25,080 --> 00:21:27,119 Speaker 1: lestime I checked for a house was like four percent, 444 00:21:27,840 --> 00:21:31,080 Speaker 1: So yeah, yeah, that's true. They definitely need to refri 445 00:21:31,640 --> 00:21:33,359 Speaker 1: especially if you and if you have a federal not 446 00:21:33,520 --> 00:21:35,639 Speaker 1: if not if you have a federal loan, but you 447 00:21:35,680 --> 00:21:38,760 Speaker 1: need to refinance if you have a private loan because 448 00:21:38,760 --> 00:21:41,080 Speaker 1: typically those are the loans that are that high. 449 00:21:41,280 --> 00:21:43,680 Speaker 2: Yeah, that's the sucky thing about federal loans is even 450 00:21:43,760 --> 00:21:46,600 Speaker 2: you have the you have the Federal Loan Consolidation Program, 451 00:21:46,680 --> 00:21:49,439 Speaker 2: but it's which is basically it's kind of like a refi, 452 00:21:49,560 --> 00:21:54,000 Speaker 2: except they don't reduce your interest rate. And typically typically 453 00:21:54,119 --> 00:21:56,120 Speaker 2: like if you have if you have several student loans 454 00:21:56,160 --> 00:21:58,120 Speaker 2: taken out over the same period around the same time, 455 00:21:58,160 --> 00:22:02,040 Speaker 2: you probably have a similar student sorry, a similar interest rate, 456 00:22:02,080 --> 00:22:04,600 Speaker 2: and so they just average all your interest rates and 457 00:22:04,640 --> 00:22:07,720 Speaker 2: give you one new interest rate, which sucks, which is 458 00:22:07,760 --> 00:22:09,119 Speaker 2: the reason why I think a lot of people with 459 00:22:09,160 --> 00:22:11,840 Speaker 2: federal loans with those crazy high rates from the early 460 00:22:11,880 --> 00:22:16,679 Speaker 2: two thousands are like, well, I'm considering like refinancing with 461 00:22:16,720 --> 00:22:19,800 Speaker 2: a private lender like Sofi or lend key or whatever 462 00:22:20,040 --> 00:22:23,240 Speaker 2: because they can offer me a reduced interest rate. But yeah, 463 00:22:23,520 --> 00:22:25,439 Speaker 2: only do that if you're really sure that you're going 464 00:22:25,520 --> 00:22:28,640 Speaker 2: to be able to pay make your payments, because yeah, 465 00:22:28,880 --> 00:22:32,480 Speaker 2: you give up all your federal protections when you do that. 466 00:22:33,520 --> 00:22:35,720 Speaker 1: Yes, critical critic. 467 00:22:35,480 --> 00:22:44,920 Speaker 2: Cow, let's move on to brown boost and breaking. 468 00:22:46,040 --> 00:22:51,040 Speaker 1: Yeah, I know right, I'm gonna make my really simple 469 00:22:51,080 --> 00:22:53,040 Speaker 1: because I am ready to collapse. I'm going to take 470 00:22:53,080 --> 00:22:59,240 Speaker 1: a brown break from sickness because everyone is coffee. I 471 00:22:59,440 --> 00:23:02,920 Speaker 1: suspect it from my niece who was happily sneezing all 472 00:23:02,960 --> 00:23:05,720 Speaker 1: in my face the other day because babies think, I 473 00:23:05,760 --> 00:23:08,080 Speaker 1: guess sneezing is fun, and she was literally it was 474 00:23:08,119 --> 00:23:10,720 Speaker 1: like back to back stay, you know, I know. I 475 00:23:10,800 --> 00:23:12,639 Speaker 1: was like, yeah, I'm pretty sure this is this is 476 00:23:12,640 --> 00:23:16,360 Speaker 1: where I've I've gotten this, this death from Although I'm 477 00:23:16,359 --> 00:23:17,920 Speaker 1: sure she'll make it, I don't know if I will. 478 00:23:18,680 --> 00:23:20,800 Speaker 1: So yeah, I'm gonna take a bound boost, a brown 479 00:23:20,840 --> 00:23:24,199 Speaker 1: break from having to travel despite the fact of not 480 00:23:24,240 --> 00:23:26,359 Speaker 1: feeling well. I always hate that person on the plane 481 00:23:26,359 --> 00:23:29,439 Speaker 1: that's sneezing and coughing. I'm like, man, you should stayed home. Meanwhile, 482 00:23:29,480 --> 00:23:31,159 Speaker 1: you know the right mean, well, they probably have to 483 00:23:31,160 --> 00:23:34,040 Speaker 1: go somewhere, and now it's gonna be me, But I'm 484 00:23:34,040 --> 00:23:35,280 Speaker 1: gonna take Nike Will with me. 485 00:23:36,280 --> 00:23:38,240 Speaker 2: I feel for you because I love you and my friend, 486 00:23:38,280 --> 00:23:39,879 Speaker 2: but I am that person who's like, why did you 487 00:23:39,880 --> 00:23:40,560 Speaker 2: get on this plane? 488 00:23:40,880 --> 00:23:43,280 Speaker 1: Yeah, that is always me. I'm like, are you kidding me? 489 00:23:43,400 --> 00:23:44,639 Speaker 1: Especially they're behind you. 490 00:23:44,560 --> 00:23:46,600 Speaker 2: And how long? I wait, how many hours? 491 00:23:46,680 --> 00:23:49,199 Speaker 1: Oh my gosh. So it's like I have to go 492 00:23:49,200 --> 00:23:51,040 Speaker 1: to LA. So from Newark to LA it's like what 493 00:23:51,160 --> 00:23:55,520 Speaker 1: five hours or something, and then LA to Sydney, Australia 494 00:23:55,640 --> 00:23:58,200 Speaker 1: is like thirteen hours. 495 00:23:58,320 --> 00:23:59,400 Speaker 2: Yeah, just not. 496 00:23:59,400 --> 00:24:02,480 Speaker 1: Taking Yeah, I am gonna honestly, I'm gonna bring some 497 00:24:02,720 --> 00:24:05,280 Speaker 1: night quail pills with me. So I can't bring liquid 498 00:24:05,680 --> 00:24:08,040 Speaker 1: because there's no way because you know, like the plane, 499 00:24:08,040 --> 00:24:10,720 Speaker 1: it's already being on a plane is already like your 500 00:24:10,800 --> 00:24:14,159 Speaker 1: nasal cavity is already like funky let alone, like ma 501 00:24:14,280 --> 00:24:17,920 Speaker 1: feelin you out? It does. I honestly like bring a 502 00:24:17,960 --> 00:24:19,960 Speaker 1: little a little jar of bassoline with me when I 503 00:24:20,000 --> 00:24:21,680 Speaker 1: go on the plane, because it's not I come out 504 00:24:21,680 --> 00:24:23,919 Speaker 1: like an old woman, like I don't know, I'm like 505 00:24:23,960 --> 00:24:24,720 Speaker 1: Benjamin Button. 506 00:24:24,840 --> 00:24:27,840 Speaker 2: Yeah, yeah, you should bring a nice spring, a big scarf, 507 00:24:27,960 --> 00:24:32,040 Speaker 2: bring a blanket, get really comfortable. Bring uh yeah, bring 508 00:24:32,119 --> 00:24:34,920 Speaker 2: some vix or whatever. Maybe not vix. I'll stink the 509 00:24:34,920 --> 00:24:35,600 Speaker 2: whole place. 510 00:24:35,440 --> 00:24:37,159 Speaker 1: Up, I know, right, I don't be looking at me like, 511 00:24:37,200 --> 00:24:37,720 Speaker 1: I mean, are you. 512 00:24:39,200 --> 00:24:41,160 Speaker 2: Like that person and gets on the plane with fried chicken? 513 00:24:41,200 --> 00:24:42,560 Speaker 2: There's one on every plane I've been on. 514 00:24:42,920 --> 00:24:45,960 Speaker 1: Yes, really, I'm like, well, I've never seen that. 515 00:24:46,040 --> 00:24:47,560 Speaker 2: I do a lot of flying, you know, I do 516 00:24:47,640 --> 00:24:49,920 Speaker 2: a lot of flying to Charlotte, North Carolina now, and 517 00:24:49,960 --> 00:24:51,919 Speaker 2: there's a Chick fil A in that airport, and I 518 00:24:51,920 --> 00:24:54,120 Speaker 2: think a lot of people flying to New York get excited, 519 00:24:54,440 --> 00:24:56,360 Speaker 2: even though we have a couple of Chick fil as now, 520 00:24:56,480 --> 00:24:57,800 Speaker 2: and they go to Chick fil A and they get 521 00:24:57,800 --> 00:25:01,520 Speaker 2: on the plane with it, and I'm like, said, smells delicious. 522 00:25:02,000 --> 00:25:05,240 Speaker 1: Yeah, okay, Yeah, I definitely seen that plainnectiquette. 523 00:25:06,400 --> 00:25:08,879 Speaker 2: Well, then I have a break, but I'm going to 524 00:25:08,960 --> 00:25:10,679 Speaker 2: do a break for I'm going to do I need 525 00:25:10,720 --> 00:25:12,880 Speaker 2: to boost a flu shot because you need one of those, 526 00:25:13,040 --> 00:25:15,359 Speaker 2: and every one you get the flu shot, like maybe 527 00:25:15,359 --> 00:25:17,040 Speaker 2: there's a slim chance that you might get a little 528 00:25:17,040 --> 00:25:19,160 Speaker 2: bit sick after you get it, but there's it's almost 529 00:25:19,240 --> 00:25:20,840 Speaker 2: certain that you get the flu if you don't get it, 530 00:25:20,880 --> 00:25:26,960 Speaker 2: So it clearly seems like it's worth it just saying okay, 531 00:25:27,000 --> 00:25:29,280 Speaker 2: So my break was going to be I'm actually going 532 00:25:29,320 --> 00:25:31,359 Speaker 2: to tag team this break because I stole it from Twitter. 533 00:25:31,480 --> 00:25:33,280 Speaker 2: Someone tweeted at us, Oh, I need to get her 534 00:25:33,359 --> 00:25:37,560 Speaker 2: name real quick. Someone had tweeted that they wanted to 535 00:25:37,600 --> 00:25:41,280 Speaker 2: take a brown break from office potlucks, and I almost 536 00:25:41,320 --> 00:25:47,359 Speaker 2: did an amn sister friend in my office because I 537 00:25:47,400 --> 00:25:49,440 Speaker 2: know that you don't have like this whole you don't 538 00:25:49,480 --> 00:25:52,240 Speaker 2: have the office culture. But for those of us who do, 539 00:25:52,800 --> 00:25:55,119 Speaker 2: you know how awful it is when it's like, I 540 00:25:55,119 --> 00:25:58,520 Speaker 2: don't know, Thanksgiving office potlucks, Like people don't try that 541 00:25:58,680 --> 00:26:01,240 Speaker 2: hard when it's like an office potluck, and then you 542 00:26:01,280 --> 00:26:04,040 Speaker 2: got to sit there and drink and eat their dry 543 00:26:04,240 --> 00:26:08,120 Speaker 2: Thanksgiving turkey or they're like half ass apple pie and 544 00:26:08,160 --> 00:26:10,520 Speaker 2: like the it's really just like a brown break from 545 00:26:10,520 --> 00:26:16,280 Speaker 2: like forest office and interactions like forest office socialization, like 546 00:26:16,480 --> 00:26:20,760 Speaker 2: in the office during the workday. That is my brown break. 547 00:26:21,200 --> 00:26:25,240 Speaker 2: And I just feel like, why I don't think that 548 00:26:25,280 --> 00:26:27,680 Speaker 2: you have to necessarily is this? Do I sound like 549 00:26:27,720 --> 00:26:29,359 Speaker 2: really mean? And whatever? I don't care? 550 00:26:29,520 --> 00:26:31,399 Speaker 1: No, Like, why don't we never want to eat anybody 551 00:26:31,400 --> 00:26:34,479 Speaker 1: else's food. I don't know one brown person. They're always like, 552 00:26:34,720 --> 00:26:38,000 Speaker 1: who made that potato salad? Girl? Everybody you know this 553 00:26:38,119 --> 00:26:41,520 Speaker 1: is every every brown person's favorite thing. Everybody can't you 554 00:26:41,560 --> 00:26:43,040 Speaker 1: can't eat everybody's potato salad? 555 00:26:44,320 --> 00:26:46,760 Speaker 2: Like, no, that's salad. I mean you should be hesitant 556 00:26:46,840 --> 00:26:49,240 Speaker 2: because that is I could easily go the other way. 557 00:26:50,400 --> 00:26:53,840 Speaker 1: Yes, oh, just because people feel like everybody's dirty, Like 558 00:26:53,880 --> 00:26:55,959 Speaker 1: I don't know how you cook at Oh look how 559 00:26:56,000 --> 00:26:57,840 Speaker 1: you come to work. Oh that's true. 560 00:26:57,880 --> 00:26:59,360 Speaker 2: I didn't even think about the germs. 561 00:27:00,119 --> 00:27:02,720 Speaker 1: Yeah, I'm like, I'm always like who made this? Like 562 00:27:02,760 --> 00:27:05,560 Speaker 1: if I do eat someone's food, miss Mary? Oh, okay, 563 00:27:05,640 --> 00:27:07,760 Speaker 1: I like miss Mary, she's nice. I have for this. 564 00:27:09,400 --> 00:27:11,080 Speaker 2: Well, I'm going to be digging through a Twitter and 565 00:27:11,080 --> 00:27:12,760 Speaker 2: find out who it was that tweeted at us. But 566 00:27:12,880 --> 00:27:16,840 Speaker 2: I feel you, girl and Brown breaking from office pot looks. Yes, 567 00:27:16,960 --> 00:27:18,960 Speaker 2: Thanksgiving is just around the corner. I know they're going 568 00:27:19,040 --> 00:27:19,800 Speaker 2: to be coming for y'all. 569 00:27:21,280 --> 00:27:23,600 Speaker 1: Yeah, so I'm sure I'm thank Thank goodness. I don't 570 00:27:23,600 --> 00:27:25,440 Speaker 1: have to. I mean I do sometimes miss the interaction, 571 00:27:26,240 --> 00:27:27,720 Speaker 1: but we try to hang out as much as we 572 00:27:27,760 --> 00:27:31,240 Speaker 1: can on Slack. I love slack. Slack is bay. It's 573 00:27:31,359 --> 00:27:35,240 Speaker 1: like our online Slack is like for I guess, like 574 00:27:35,280 --> 00:27:36,720 Speaker 1: a messaging app for businesses. 575 00:27:37,280 --> 00:27:40,000 Speaker 2: Oh yeah, I think everyone must know what slack is. 576 00:27:40,040 --> 00:27:41,760 Speaker 2: I think I took a brown break from slack once. 577 00:27:44,680 --> 00:27:46,880 Speaker 1: Yeah, I can see that I have so many. 578 00:27:46,680 --> 00:27:49,800 Speaker 2: Slack channels now, you know, like I have three. I 579 00:27:49,800 --> 00:27:53,119 Speaker 2: think for work there's different like slack personalities because we 580 00:27:53,160 --> 00:27:55,280 Speaker 2: you know, we own by a different company than we 581 00:27:55,320 --> 00:27:57,760 Speaker 2: have our own Magnified Money slack. And then I have 582 00:27:57,840 --> 00:28:01,399 Speaker 2: my friend Slack, but I cannected it to my phone 583 00:28:01,720 --> 00:28:05,119 Speaker 2: and I can't. I need to figure out out. I 584 00:28:05,160 --> 00:28:07,640 Speaker 2: did find the setting though, where you can you can 585 00:28:07,680 --> 00:28:09,879 Speaker 2: tell it when not to alert you, like give it 586 00:28:09,960 --> 00:28:13,720 Speaker 2: hours between like eight pm and eight am. No slacking. 587 00:28:15,240 --> 00:28:17,640 Speaker 1: I have to say that that we slack pretty responsibly, 588 00:28:18,119 --> 00:28:21,000 Speaker 1: like you know, people don't they don't go too hard 589 00:28:21,000 --> 00:28:22,560 Speaker 1: and slack, you know, like other than like a few 590 00:28:22,800 --> 00:28:25,520 Speaker 1: questions here, they are clarity or something like that. What 591 00:28:25,600 --> 00:28:28,040 Speaker 1: I do enjoy is that we have a slack channel 592 00:28:28,040 --> 00:28:31,159 Speaker 1: called Giggles and Chatter for my team, where it's just 593 00:28:31,160 --> 00:28:34,040 Speaker 1: basically that's the that's the water cooler. So people will 594 00:28:34,119 --> 00:28:36,920 Speaker 1: just be like, oh, isn't this dress cute? Or like, chow, 595 00:28:37,760 --> 00:28:39,880 Speaker 1: somebody come get my daughter, look how she's dancing, and 596 00:28:40,000 --> 00:28:41,880 Speaker 1: or like you know, like so it's just fun. So 597 00:28:42,240 --> 00:28:44,200 Speaker 1: a lot of the slack messages honestly have nothing to 598 00:28:44,240 --> 00:28:46,120 Speaker 1: do with work. So it's just because we've got a lot. 599 00:28:46,160 --> 00:28:51,080 Speaker 1: Everybody's got this great, fun, crazy personality. So I enjoy 600 00:28:51,400 --> 00:28:53,239 Speaker 1: for the most part, when I get a notification, I 601 00:28:53,280 --> 00:28:55,120 Speaker 1: know a lot of times it's in giggles and Chatter 602 00:28:55,480 --> 00:28:59,400 Speaker 1: and then you know, I would say sixty to sixty 603 00:28:59,440 --> 00:29:01,480 Speaker 1: five percent giggles and chatter and then the rest like 604 00:29:01,560 --> 00:29:02,200 Speaker 1: actual work. 605 00:29:02,840 --> 00:29:05,320 Speaker 2: Yeah, do you get the A lot of people slack 606 00:29:05,400 --> 00:29:07,120 Speaker 2: me and then if I don't answer right away, get 607 00:29:07,160 --> 00:29:09,440 Speaker 2: the email. And if I don't answer right away, they 608 00:29:09,520 --> 00:29:11,520 Speaker 2: leave a comment. We work in Google Docs a lot, 609 00:29:11,560 --> 00:29:13,560 Speaker 2: so I'll get the comment in the dock that tags 610 00:29:13,560 --> 00:29:16,360 Speaker 2: me and I'm like, I'm cunning. I can't give me 611 00:29:16,400 --> 00:29:16,800 Speaker 2: a minute. 612 00:29:16,920 --> 00:29:21,520 Speaker 1: No, we don't, like honestly, and even with my team, 613 00:29:22,000 --> 00:29:24,800 Speaker 1: I send it to you cause I typically there's nothing 614 00:29:24,840 --> 00:29:27,240 Speaker 1: that's like that. The fire has to be put out 615 00:29:27,360 --> 00:29:30,200 Speaker 1: very rarely, you know, And so yeah, so even if 616 00:29:30,240 --> 00:29:33,400 Speaker 1: I send something, you know, I've learned, like for the 617 00:29:33,400 --> 00:29:36,160 Speaker 1: most part, that to do stuff and ahead of time. 618 00:29:36,200 --> 00:29:37,920 Speaker 1: Every once in a while, I'm like, oh, gosh, I 619 00:29:37,960 --> 00:29:40,640 Speaker 1: waited too long. I hope Taylor sees this. And so 620 00:29:40,760 --> 00:29:42,400 Speaker 1: I might slack and then I might text like hey, 621 00:29:42,400 --> 00:29:43,800 Speaker 1: tailor when you get a chance to go check your 622 00:29:43,800 --> 00:29:46,600 Speaker 1: slack just because it's like it's but I would say 623 00:29:47,080 --> 00:29:49,280 Speaker 1: that might happen five percent of the time that it's 624 00:29:49,280 --> 00:29:52,200 Speaker 1: something urgent where I have to hit you multiple times. Yeah. 625 00:29:52,240 --> 00:29:54,000 Speaker 1: So because sometimes I'll get a slack, like, you know, 626 00:29:54,120 --> 00:29:56,280 Speaker 1: like cause you know, I like a daily nap. Sometimes 627 00:29:56,280 --> 00:29:57,680 Speaker 1: you know, I'll get a slack from like, say my 628 00:29:57,680 --> 00:30:00,400 Speaker 1: admin like, hey, tipically there's an email they need your attention. 629 00:30:00,480 --> 00:30:04,920 Speaker 1: I'm like, after this nap, ain't nobody dying from financial advice? Oh? 630 00:30:05,560 --> 00:30:08,520 Speaker 2: I found that hold on I found that Twitter. Her 631 00:30:08,560 --> 00:30:10,880 Speaker 2: name is Cec. She says, my co workers are cool, 632 00:30:10,920 --> 00:30:14,080 Speaker 2: but being in an office means potlucks. Remember that episode 633 00:30:14,080 --> 00:30:16,640 Speaker 2: of Seinfeld when Elaine was sick of eating office cakes. 634 00:30:16,680 --> 00:30:18,680 Speaker 2: That's me. That's a good clip. 635 00:30:19,680 --> 00:30:31,160 Speaker 1: Cec after name. That's a nice, sassy name. Cec. All right, 636 00:30:31,280 --> 00:30:32,600 Speaker 1: do we have some good questions? 637 00:30:33,280 --> 00:30:35,000 Speaker 2: Yeah, we do, we have. We have a really good 638 00:30:35,080 --> 00:30:39,520 Speaker 2: question from listener. Ooh ooh, it's Jenny and it's not 639 00:30:39,560 --> 00:30:42,479 Speaker 2: her real name, so I can use it. Okay, Jenny says, 640 00:30:42,960 --> 00:30:46,800 Speaker 2: I love the show. YadA, YadA, YadA. You guys are awesome. 641 00:30:47,360 --> 00:30:50,440 Speaker 2: My question is should I apply for a second major 642 00:30:50,480 --> 00:30:53,680 Speaker 2: credit card or ask for an increase on the credit 643 00:30:53,800 --> 00:30:57,280 Speaker 2: limit for the one MasterCard credit card that I already own. 644 00:30:57,920 --> 00:31:00,200 Speaker 2: I used to have two major credit cards, but I 645 00:31:00,200 --> 00:31:02,920 Speaker 2: I let one get closed by the credit card company. 646 00:31:03,160 --> 00:31:05,760 Speaker 2: I know, I know because I never used it. I 647 00:31:05,800 --> 00:31:08,120 Speaker 2: now only have one major credit card, which I pay 648 00:31:08,120 --> 00:31:10,520 Speaker 2: the balance off in full each month. I never put 649 00:31:10,560 --> 00:31:12,400 Speaker 2: more than a few hundred dollars on it per month. 650 00:31:12,520 --> 00:31:14,320 Speaker 2: Even if I put more, I paid off in full. 651 00:31:14,760 --> 00:31:17,080 Speaker 2: The credit limit is seventeen thousand dollars, and I have 652 00:31:17,200 --> 00:31:19,680 Speaker 2: no plans to ever use even close to the limit 653 00:31:19,760 --> 00:31:21,760 Speaker 2: on the card, but I do want to look for 654 00:31:21,800 --> 00:31:24,160 Speaker 2: a way to raise my credit score. I think right 655 00:31:24,200 --> 00:31:27,440 Speaker 2: now it's in the mid seven hundreds. Well, having more 656 00:31:27,440 --> 00:31:31,400 Speaker 2: available credit by opening a new credit card help raise 657 00:31:31,400 --> 00:31:35,640 Speaker 2: my credit score? Help Jenny? 658 00:31:35,960 --> 00:31:41,640 Speaker 1: So a few bangs, Jenny, Jenny, So, Jenny, guess what movie? 659 00:31:41,840 --> 00:31:44,480 Speaker 1: Let's see? If you know it, it's like a box 660 00:31:44,520 --> 00:31:47,920 Speaker 1: of chocolates? Yeah, but what's it actually. 661 00:31:47,800 --> 00:31:50,000 Speaker 2: Before is gone? Come on? Yeah, come on. 662 00:31:50,120 --> 00:31:54,280 Speaker 1: I wasn't sure, so so Jenny. So first knowing that 663 00:31:54,320 --> 00:31:56,440 Speaker 1: if you're mid seven hundreds, I'm assuming seven to fifty 664 00:31:56,560 --> 00:32:00,600 Speaker 1: or better. Congratulations, Jenny, you already have perfect Thank you, 665 00:32:00,800 --> 00:32:05,000 Speaker 1: So thank you? Yes, right, because so many people are like, 666 00:32:05,080 --> 00:32:07,000 Speaker 1: I want eight hundred, I want eight to fifty, I 667 00:32:07,080 --> 00:32:09,480 Speaker 1: want a thirty, And I'm like, that's cute, But guess 668 00:32:09,520 --> 00:32:12,680 Speaker 1: what's also an A plus seven fifty? So once you 669 00:32:12,800 --> 00:32:14,960 Speaker 1: get to really seven fifty, I mean in eight hundred 670 00:32:15,080 --> 00:32:18,200 Speaker 1: is cute, but it's literally the same in the eyes 671 00:32:18,360 --> 00:32:22,560 Speaker 1: of a lender. So if you're already there, I wouldn't 672 00:32:22,560 --> 00:32:24,320 Speaker 1: I wouldn't do anything extra. Like if you need an 673 00:32:24,320 --> 00:32:26,320 Speaker 1: extra credit because you want to buy something you know, 674 00:32:26,480 --> 00:32:28,360 Speaker 1: or something like that, that's one thing. But if it's 675 00:32:28,400 --> 00:32:32,120 Speaker 1: because you're trying to raise past a seven fifty. There's 676 00:32:32,200 --> 00:32:34,240 Speaker 1: no need because you're not going to get a better 677 00:32:34,320 --> 00:32:36,520 Speaker 1: interest rate with the eight hundred, you know. I think 678 00:32:36,560 --> 00:32:38,880 Speaker 1: people think that, but you're just not because yeah, so 679 00:32:39,040 --> 00:32:42,040 Speaker 1: that's one. But maybe in general we can answer the 680 00:32:42,120 --> 00:32:44,760 Speaker 1: question for folks because Jenny, you're already there girl, wait 681 00:32:44,840 --> 00:32:47,040 Speaker 1: whoo who you have to finish line? But in general, 682 00:32:47,360 --> 00:32:49,920 Speaker 1: for folks who are trying to raise their credit score 683 00:32:50,040 --> 00:32:53,000 Speaker 1: by by increasing their credit limit, you think that's a 684 00:32:53,040 --> 00:32:53,920 Speaker 1: good idea of bad idea? 685 00:32:54,760 --> 00:32:56,880 Speaker 2: I think that, well, yes, the answer to her question 686 00:32:57,000 --> 00:33:00,240 Speaker 2: is yes, when you have more available credit limit does 687 00:33:00,360 --> 00:33:04,520 Speaker 2: help your score because it helps your utilization rate, it's 688 00:33:04,560 --> 00:33:07,240 Speaker 2: gonna be a lot harder for you to get over 689 00:33:07,320 --> 00:33:10,160 Speaker 2: your year. So basically, credit card companies or credit reporting 690 00:33:10,200 --> 00:33:13,240 Speaker 2: bureaus they want to see that you have self control 691 00:33:13,360 --> 00:33:14,920 Speaker 2: that you're not going to even if you have a 692 00:33:14,960 --> 00:33:17,680 Speaker 2: seventeen thousand dollars credit limit like Jenny, that you're not 693 00:33:17,760 --> 00:33:19,560 Speaker 2: going to max it out and use it all the time. 694 00:33:19,960 --> 00:33:23,320 Speaker 2: So ideally you want to keep your utilization rote sorry 695 00:33:23,440 --> 00:33:26,720 Speaker 2: rate below twenty percent, up to thirty percent, but twenty 696 00:33:26,760 --> 00:33:29,440 Speaker 2: percent to be safe, which is a lot harder to 697 00:33:29,520 --> 00:33:31,720 Speaker 2: do if you only have one small credit card and 698 00:33:32,480 --> 00:33:35,920 Speaker 2: you know it's five point dollars limit and you're constantly reaching, 699 00:33:36,160 --> 00:33:39,560 Speaker 2: you know, way over your twenty percent utilization rate. So 700 00:33:39,680 --> 00:33:42,440 Speaker 2: that's why it can be good to have higher available 701 00:33:42,480 --> 00:33:45,840 Speaker 2: limits credit cards with a total available limit that's higher. 702 00:33:46,920 --> 00:33:49,480 Speaker 2: But I wouldn't like open a credit card just to 703 00:33:49,600 --> 00:33:54,080 Speaker 2: get that additional space, just to get that additional credit limit, 704 00:33:54,760 --> 00:33:57,520 Speaker 2: unless I think, I mean, if you're really responsible with 705 00:33:57,600 --> 00:34:01,720 Speaker 2: your credit and maybe you find really amazing rewards card 706 00:34:01,840 --> 00:34:03,640 Speaker 2: that you know you're gonna be it's going to be 707 00:34:03,680 --> 00:34:06,000 Speaker 2: a beneficial to you, and it makes sense for you 708 00:34:06,080 --> 00:34:08,640 Speaker 2: to have that card and you get additional benefits besides 709 00:34:08,760 --> 00:34:11,680 Speaker 2: it also contributing to your available limit, then yeah, I 710 00:34:11,760 --> 00:34:14,680 Speaker 2: mean open up that credit card. But I don't know 711 00:34:14,760 --> 00:34:16,680 Speaker 2: if it's worse. I don't think it's like a good 712 00:34:16,719 --> 00:34:18,719 Speaker 2: idea just to open up a new credit card because 713 00:34:18,760 --> 00:34:21,680 Speaker 2: you want more limit if you don't already know that, 714 00:34:21,840 --> 00:34:24,080 Speaker 2: like I can pay this down and I'm not going 715 00:34:24,120 --> 00:34:26,000 Speaker 2: to abuse it and I'm not just gonna get more 716 00:34:26,000 --> 00:34:27,280 Speaker 2: and more into. 717 00:34:27,120 --> 00:34:32,560 Speaker 1: Debt exactly, And it's like, yeah, I agree honestly that 718 00:34:33,200 --> 00:34:36,600 Speaker 1: you it does work, but it only if you're not 719 00:34:36,719 --> 00:34:40,480 Speaker 1: actually going to be using that credit card and kind 720 00:34:40,480 --> 00:34:42,640 Speaker 1: of like abusing it, which so many folks do. Is 721 00:34:42,880 --> 00:34:44,879 Speaker 1: people ask me all the time, Like a brand asked 722 00:34:44,920 --> 00:34:47,479 Speaker 1: me the other day if I would like push credit cards, 723 00:34:47,520 --> 00:34:48,920 Speaker 1: and I was like, girl, you asked me this like 724 00:34:49,000 --> 00:34:51,600 Speaker 1: every week. The answer is en, start with the N, 725 00:34:52,120 --> 00:34:55,600 Speaker 1: end with the oh. Although the one type of credit 726 00:34:55,640 --> 00:34:57,960 Speaker 1: card that I do sometimes suggest it's a secure card, 727 00:34:58,280 --> 00:35:00,319 Speaker 1: you know, to help build your credit score, that it's 728 00:35:00,360 --> 00:35:02,840 Speaker 1: something different. But as far as like, because I'm like, 729 00:35:02,880 --> 00:35:06,040 Speaker 1: I don't think credit cards are the devil, but most 730 00:35:06,200 --> 00:35:09,520 Speaker 1: people have a hard time managing with credit cards. So 731 00:35:09,600 --> 00:35:11,800 Speaker 1: I don't want to be responsible for saying, hey, this 732 00:35:11,880 --> 00:35:13,160 Speaker 1: is a great credit card and then you you know, 733 00:35:13,239 --> 00:35:16,160 Speaker 1: you mess your yourself up by getting one. You know, 734 00:35:16,280 --> 00:35:18,200 Speaker 1: travel cards are awesome. You see me and Mandy we 735 00:35:18,280 --> 00:35:21,800 Speaker 1: have that al Venture card, our metacard looking all fancy 736 00:35:21,800 --> 00:35:25,920 Speaker 1: when we go places. But you know, like that's not 737 00:35:26,040 --> 00:35:27,560 Speaker 1: something that we're like, go get it, go get it, 738 00:35:27,600 --> 00:35:30,120 Speaker 1: go get it, because it's so easy to slip down 739 00:35:30,160 --> 00:35:32,880 Speaker 1: the black hole of swipe swipe, swipe and paying your 740 00:35:32,920 --> 00:35:34,320 Speaker 1: minimum and then owing forever. 741 00:35:34,880 --> 00:35:37,600 Speaker 2: Yep, I went through, but I did do this. When 742 00:35:37,600 --> 00:35:39,279 Speaker 2: I was in college, I got like, my first credit 743 00:35:39,360 --> 00:35:42,040 Speaker 2: card was a three hundred dollars Bank of America student 744 00:35:42,080 --> 00:35:44,360 Speaker 2: credit card, and I just wasn't cutting it for me 745 00:35:44,440 --> 00:35:46,000 Speaker 2: when I was in When I was out in the 746 00:35:46,080 --> 00:35:48,320 Speaker 2: real world and I wanted to build credit, so I 747 00:35:48,440 --> 00:35:51,560 Speaker 2: did I did. I think my first step was to 748 00:35:51,840 --> 00:35:55,440 Speaker 2: ask them for a credit limit increase, which I you know, 749 00:35:55,640 --> 00:35:57,879 Speaker 2: wasn't the smartest thing because there was a ton better 750 00:35:58,360 --> 00:36:00,600 Speaker 2: credit cards. I could have applied for it out there, 751 00:36:00,640 --> 00:36:02,800 Speaker 2: but I didn't know any better. But that's how I started. 752 00:36:02,840 --> 00:36:05,680 Speaker 2: I asked for a credit limit increase, which was a 753 00:36:05,760 --> 00:36:08,320 Speaker 2: hard inquiry on my credit report, but did get me 754 00:36:08,400 --> 00:36:10,480 Speaker 2: more available balance. That's one of the ways to go 755 00:36:10,560 --> 00:36:10,880 Speaker 2: about it. 756 00:36:12,360 --> 00:36:15,799 Speaker 1: Yeah, any other great questions you We. 757 00:36:15,840 --> 00:36:19,839 Speaker 2: Have another credit question, we can call her Tanya. She says, 758 00:36:19,880 --> 00:36:24,040 Speaker 2: Hey Tanya, Hey Kanya. Tanya says, my question is my 759 00:36:24,200 --> 00:36:26,480 Speaker 2: husband and I are currently saving for a down payment 760 00:36:26,600 --> 00:36:28,960 Speaker 2: for a new home. We're planning to move this spring 761 00:36:29,080 --> 00:36:32,240 Speaker 2: twenty eighteen. I've been checking my credit on credit Karma 762 00:36:32,320 --> 00:36:35,040 Speaker 2: for a few months and it's in the six ninety area. 763 00:36:35,800 --> 00:36:38,320 Speaker 2: One thing that is showing as negative to my score 764 00:36:38,560 --> 00:36:40,719 Speaker 2: is the number of open credit card accounts that I have. 765 00:36:41,320 --> 00:36:43,560 Speaker 2: I have a paid off car, it's been paid off 766 00:36:43,560 --> 00:36:47,000 Speaker 2: for three years, two credit cards, and one student loan. 767 00:36:47,440 --> 00:36:49,640 Speaker 2: So because I don't have at least seven to ten 768 00:36:50,160 --> 00:36:54,399 Speaker 2: open credit lines credit cards is my credit score won't move? 769 00:36:54,480 --> 00:36:57,560 Speaker 2: So these are all closed. These are all old credit accounts. 770 00:36:57,600 --> 00:36:59,799 Speaker 2: So like two credit cards that are ten years old 771 00:36:59,840 --> 00:37:02,040 Speaker 2: and one student loan she says is twelve years old, 772 00:37:02,120 --> 00:37:05,200 Speaker 2: and then a paid off car. She says, do you 773 00:37:05,280 --> 00:37:08,279 Speaker 2: suggest that I open a couple of the recommended credit 774 00:37:08,360 --> 00:37:11,640 Speaker 2: cards on credit Karma to boost my score or will 775 00:37:11,680 --> 00:37:14,400 Speaker 2: doing this lower my score? Because I'm applying for more credit. 776 00:37:14,760 --> 00:37:17,239 Speaker 2: My ultimate goal is to have the highest possible credit 777 00:37:17,280 --> 00:37:19,759 Speaker 2: score so we can get the lowest possible rate for 778 00:37:19,960 --> 00:37:25,399 Speaker 2: home loan this spring. I know the tricky time before 779 00:37:25,480 --> 00:37:27,800 Speaker 2: you're buying a house to be able to get credits. 780 00:37:28,800 --> 00:37:33,120 Speaker 1: So first let's whenever someone tells you something, I want 781 00:37:33,160 --> 00:37:35,160 Speaker 1: you first to look at the messenger and say, what 782 00:37:35,320 --> 00:37:38,759 Speaker 1: is your motivation? Messenger? So I mean no shade to 783 00:37:38,800 --> 00:37:41,920 Speaker 1: credit Karma because their business, But credit Karma gives you 784 00:37:42,120 --> 00:37:45,279 Speaker 1: a free credit score. How do you think Credit Karma 785 00:37:45,400 --> 00:37:49,720 Speaker 1: makes their money by you opening up credit cards. Here's 786 00:37:49,800 --> 00:37:52,919 Speaker 1: a dirk little secret that I'm sure some financial folks 787 00:37:53,000 --> 00:37:56,120 Speaker 1: listening might be like, no, don't tell them. So a 788 00:37:56,200 --> 00:37:58,719 Speaker 1: lot of these brands, because brands have approached me. This 789 00:37:58,880 --> 00:38:02,600 Speaker 1: is how I know to say, hatiffity, if you have 790 00:38:02,800 --> 00:38:04,840 Speaker 1: people sign up for credit card, we'll give you a 791 00:38:04,920 --> 00:38:07,360 Speaker 1: special budget Nissa link to have people sign up for 792 00:38:07,520 --> 00:38:10,080 Speaker 1: xy Z credit card, and we'll give you I've been 793 00:38:10,160 --> 00:38:12,480 Speaker 1: offered up to two hundred, two hundred and fifty dollars 794 00:38:12,800 --> 00:38:15,520 Speaker 1: per person. Can you imagine for you to sign up 795 00:38:15,520 --> 00:38:17,879 Speaker 1: for a credit card? And I said no because to see, 796 00:38:17,920 --> 00:38:20,680 Speaker 1: I love y'all, because I'm like, uh, I'd rather kind 797 00:38:20,680 --> 00:38:22,520 Speaker 1: of get into the gates of heaven one day. So 798 00:38:22,640 --> 00:38:26,520 Speaker 1: the answer is no, Like, there's gotta be another way 799 00:38:26,760 --> 00:38:29,640 Speaker 1: without selling y'all souls to the devil. So you know, 800 00:38:29,840 --> 00:38:31,640 Speaker 1: but and I'm not saying the credit card is the devil, 801 00:38:31,719 --> 00:38:35,280 Speaker 1: but just know that oftentimes you're gonna get a solution 802 00:38:35,480 --> 00:38:38,120 Speaker 1: on sites like that that say get a credit card, 803 00:38:38,760 --> 00:38:42,359 Speaker 1: not necessarily because it benefits you, but because that's how 804 00:38:42,400 --> 00:38:44,880 Speaker 1: they pay their bills. Because if I'm getting offered one 805 00:38:44,960 --> 00:38:47,120 Speaker 1: hundred and fifty to two hundred something dollars. I can 806 00:38:47,160 --> 00:38:49,759 Speaker 1: only imagine what they get, So just be mindful. It 807 00:38:49,800 --> 00:38:51,880 Speaker 1: doesn't mean that getting a credit card is bad. It 808 00:38:52,080 --> 00:38:54,680 Speaker 1: just means that you want to be discerning on who's 809 00:38:54,719 --> 00:38:59,959 Speaker 1: giving that the advice. So putting that to the side, 810 00:39:00,200 --> 00:39:02,319 Speaker 1: like you don't need to open two or three credit cards, 811 00:39:02,560 --> 00:39:04,520 Speaker 1: that just doesn't you don't. But it doesn't mean that 812 00:39:04,680 --> 00:39:07,160 Speaker 1: opening up a credit card. I mean, if you're going 813 00:39:07,239 --> 00:39:08,600 Speaker 1: to get a house, she should not be opening up 814 00:39:08,600 --> 00:39:11,040 Speaker 1: a credit card with six months to like six to 815 00:39:11,080 --> 00:39:13,080 Speaker 1: eight months. Really, I would say a year before getting 816 00:39:13,080 --> 00:39:16,200 Speaker 1: a house, because you don't want to ding right before 817 00:39:16,440 --> 00:39:18,480 Speaker 1: you know you're getting a house, because there are other ways. 818 00:39:18,520 --> 00:39:19,600 Speaker 1: Do you have does she say she does she have 819 00:39:19,640 --> 00:39:20,839 Speaker 1: any credit cards at all? Right now? 820 00:39:21,400 --> 00:39:25,280 Speaker 2: She says she has a paid off car two credit 821 00:39:25,400 --> 00:39:28,160 Speaker 2: cards that it seems like from her She says two 822 00:39:28,200 --> 00:39:30,399 Speaker 2: credit cards, and then in parentheses it says ten years, 823 00:39:30,719 --> 00:39:33,279 Speaker 2: which I think might mean that they're ten years old 824 00:39:33,360 --> 00:39:37,480 Speaker 2: and they're no longer active. Okay, but like, how is 825 00:39:37,520 --> 00:39:38,920 Speaker 2: a credit card no longer active? 826 00:39:40,360 --> 00:39:43,440 Speaker 1: I unless they're closed, if that's what you're saying. If 827 00:39:43,480 --> 00:39:44,480 Speaker 1: these two cards are safe. 828 00:39:44,640 --> 00:39:46,279 Speaker 2: She doesn't say if they're closed, but if they're open, 829 00:39:46,400 --> 00:39:48,120 Speaker 2: she should be able to just use them. 830 00:39:48,880 --> 00:39:51,000 Speaker 1: Yes, I would go ahead, girl. You know what you 831 00:39:51,120 --> 00:39:54,160 Speaker 1: do if if those two cards are open, look at 832 00:39:54,200 --> 00:39:57,439 Speaker 1: your cheapest bills like Netflix and like maybe the gym, 833 00:39:57,760 --> 00:39:59,640 Speaker 1: have them charge those two cards and pay them off 834 00:39:59,680 --> 00:40:01,799 Speaker 1: in full every month. Paying off your debt in full 835 00:40:01,800 --> 00:40:03,319 Speaker 1: every month is going to do more for you than 836 00:40:03,360 --> 00:40:05,800 Speaker 1: opening up a new card, you know. So that's what 837 00:40:05,840 --> 00:40:08,319 Speaker 1: I would suggest. And if you have no credit cards 838 00:40:08,360 --> 00:40:10,520 Speaker 1: at all that are open, then you might want to 839 00:40:10,600 --> 00:40:12,800 Speaker 1: consider getting a card and just paying it off in 840 00:40:12,840 --> 00:40:16,480 Speaker 1: full every month. But if you have cards, just charge 841 00:40:16,480 --> 00:40:18,920 Speaker 1: a little nominal something under twenty bucks, pay it off 842 00:40:18,960 --> 00:40:21,000 Speaker 1: in full every month, and you should start to see 843 00:40:21,080 --> 00:40:23,160 Speaker 1: your credit score go up. Depending on the other things 844 00:40:23,200 --> 00:40:25,160 Speaker 1: that you have going on, The two things that make 845 00:40:25,200 --> 00:40:28,800 Speaker 1: the most difference in your credit score are utilization, like 846 00:40:28,880 --> 00:40:32,920 Speaker 1: Mandy talked about, meaning of your limit. How close to 847 00:40:32,960 --> 00:40:34,719 Speaker 1: your limit are you? How close is your balance to 848 00:40:34,760 --> 00:40:36,920 Speaker 1: your limit? You really want if you're going to get 849 00:40:36,920 --> 00:40:40,440 Speaker 1: a house, for your balance to be like ten, no 850 00:40:40,520 --> 00:40:43,239 Speaker 1: more than ten to fifteen percent of what your limit is, right, 851 00:40:43,520 --> 00:40:46,000 Speaker 1: So that's thirty percent and thirty five percent of your 852 00:40:46,080 --> 00:40:50,520 Speaker 1: credit score is your payment history, meaning do you make 853 00:40:50,600 --> 00:40:52,640 Speaker 1: on time payments do you pay off in full? So 854 00:40:52,760 --> 00:40:54,880 Speaker 1: those two things together are going to make the most difference. 855 00:40:55,160 --> 00:40:57,880 Speaker 1: So keep your limits low. It's even better if you 856 00:40:57,920 --> 00:41:00,719 Speaker 1: can keep them to zero and pay and then make 857 00:41:00,880 --> 00:41:03,320 Speaker 1: regular on time payments and don't be late and ideally 858 00:41:03,360 --> 00:41:05,360 Speaker 1: pay things off in full. Especially if you could do 859 00:41:05,400 --> 00:41:07,440 Speaker 1: that every month, that's going to make the biggest difference. 860 00:41:08,040 --> 00:41:10,000 Speaker 2: Yeah, and you're right. I mean, I've talked to a 861 00:41:10,040 --> 00:41:13,000 Speaker 2: lot of loan officers who say the six months before 862 00:41:13,040 --> 00:41:14,719 Speaker 2: you get a loan, and even up to a year, 863 00:41:14,760 --> 00:41:16,400 Speaker 2: that's a crucial time. You do not want to be 864 00:41:16,440 --> 00:41:18,399 Speaker 2: fiddling with anything. You don't want to move money around. 865 00:41:18,440 --> 00:41:20,480 Speaker 2: You don't want to open new lines of credit. You 866 00:41:20,520 --> 00:41:22,439 Speaker 2: don't want to you don't want to give the lender 867 00:41:22,520 --> 00:41:27,440 Speaker 2: any reason to throw off the underwriting process to say 868 00:41:27,520 --> 00:41:29,520 Speaker 2: that you may not you may be a risky or borrower, 869 00:41:30,320 --> 00:41:32,399 Speaker 2: which is what all that credit card activity could tell them. 870 00:41:33,120 --> 00:41:35,439 Speaker 2: But yeah, just doing normal things like making your normal 871 00:41:35,480 --> 00:41:37,480 Speaker 2: purchases on a credit card or two and then paying 872 00:41:37,480 --> 00:41:39,880 Speaker 2: them off on full, that's probably the best. That's probably 873 00:41:39,880 --> 00:41:42,439 Speaker 2: the best plan. And one of the things that struck 874 00:41:42,520 --> 00:41:45,080 Speaker 2: me about her question is she says, So because I 875 00:41:45,160 --> 00:41:47,359 Speaker 2: don't have at least seven to ten open credit lines, 876 00:41:47,400 --> 00:41:49,960 Speaker 2: my score won't move. Credit Karma says, and I think 877 00:41:50,000 --> 00:41:52,680 Speaker 2: that like people may be reading to literally the Credit 878 00:41:52,800 --> 00:41:56,319 Speaker 2: Karma like, you know, they give you like an assessment like, yeah, 879 00:41:56,440 --> 00:41:59,000 Speaker 2: here's what why your score might be in this range. 880 00:41:59,040 --> 00:42:01,480 Speaker 2: You know you don't have into ten open credit lines, 881 00:42:01,560 --> 00:42:04,440 Speaker 2: like Credit Karma is basing this on like their out 882 00:42:04,719 --> 00:42:07,200 Speaker 2: their like take on what goes into the FCO score. 883 00:42:07,280 --> 00:42:09,800 Speaker 2: But you're not really getting a FIGHTO score from Credit Karma. 884 00:42:11,360 --> 00:42:13,480 Speaker 2: I would say, if you really want to get a 885 00:42:13,640 --> 00:42:16,160 Speaker 2: FICO score the best estimate of where you're going to 886 00:42:16,200 --> 00:42:18,359 Speaker 2: be at, because that's what mortgage lenders are looking at 887 00:42:18,440 --> 00:42:21,799 Speaker 2: today FIGHTO scores, then you should go to a free 888 00:42:21,840 --> 00:42:24,000 Speaker 2: credit score that will actually give you a FIGHTO score. 889 00:42:24,760 --> 00:42:26,439 Speaker 2: You can get those through some A lot of credit 890 00:42:26,520 --> 00:42:29,439 Speaker 2: cards offer free FIGHTO scores now, but if you don't, 891 00:42:29,520 --> 00:42:31,120 Speaker 2: you can always you don't have a credit card that 892 00:42:31,200 --> 00:42:34,120 Speaker 2: offers that, you can always use the Discover scorecard, which 893 00:42:34,239 --> 00:42:37,000 Speaker 2: is free. Just Google Discover scorecard. You can get a 894 00:42:37,040 --> 00:42:39,440 Speaker 2: free fight Go And I think that's a better and 895 00:42:39,560 --> 00:42:42,359 Speaker 2: my free FIGHTO is always a little bit lower than 896 00:42:42,440 --> 00:42:46,120 Speaker 2: my Credit Karma credit score I've noticed, and that's because 897 00:42:46,120 --> 00:42:49,120 Speaker 2: it's it's a different scoring model. And one thing that 898 00:42:49,200 --> 00:42:52,080 Speaker 2: I've also learned is that even the free Fighto scores, 899 00:42:52,160 --> 00:42:54,000 Speaker 2: so I'm not sure, hold on, I'm going to go 900 00:42:54,080 --> 00:42:57,160 Speaker 2: to We worked really hard on a magnified money. We 901 00:42:57,520 --> 00:42:59,640 Speaker 2: worked really hard on a guide to where you can 902 00:42:59,640 --> 00:43:02,600 Speaker 2: get your free FCO score and your free credit score, because, 903 00:43:02,680 --> 00:43:04,520 Speaker 2: like I said, a lot of these free credit scores, 904 00:43:04,960 --> 00:43:06,960 Speaker 2: they may not even be a real Fighto. And not 905 00:43:07,080 --> 00:43:09,279 Speaker 2: only that, they may be giving you a credit score 906 00:43:09,440 --> 00:43:13,000 Speaker 2: estimate quote unquote like based on some information from one 907 00:43:13,160 --> 00:43:16,360 Speaker 2: of the credit bureaus, not from all three. And it 908 00:43:17,120 --> 00:43:20,120 Speaker 2: makes things complicated because some lenders, like so Bank of 909 00:43:20,200 --> 00:43:23,080 Speaker 2: America may may you know, you may apply for a 910 00:43:23,160 --> 00:43:25,320 Speaker 2: mortgage lens a Bank of America. They're going to have 911 00:43:25,480 --> 00:43:29,880 Speaker 2: their own mortgage underwriting scoring system. It's going to be 912 00:43:30,280 --> 00:43:33,120 Speaker 2: slightly different than whatever you see online. So these are 913 00:43:33,160 --> 00:43:35,000 Speaker 2: really just tools meant to give you an idea of 914 00:43:35,000 --> 00:43:37,960 Speaker 2: where you're at, Like you shouldn't take them so literally 915 00:43:38,040 --> 00:43:41,080 Speaker 2: at face value. When Bank of America or Bank ABC 916 00:43:41,280 --> 00:43:43,000 Speaker 2: or whatever runs your credit, they're going to give you 917 00:43:43,040 --> 00:43:44,880 Speaker 2: a whole they're going to give you a different score 918 00:43:45,040 --> 00:43:48,000 Speaker 2: just because that's the way it is. And these of course, 919 00:43:48,040 --> 00:43:50,080 Speaker 2: these banks are not going to tell us exactly what 920 00:43:50,239 --> 00:43:53,080 Speaker 2: their you know, credit scoring models are like, because those 921 00:43:53,120 --> 00:43:56,359 Speaker 2: are like closely held secrets and whatnot. But if you're 922 00:43:56,360 --> 00:43:58,080 Speaker 2: going to get anesement online, you should at least make 923 00:43:58,120 --> 00:43:59,920 Speaker 2: sure you're getting the best one. And I think right now, 924 00:44:00,600 --> 00:44:02,840 Speaker 2: like for in terms of like free available to everybody 925 00:44:02,920 --> 00:44:05,160 Speaker 2: that discovers scorecards, I agree. 926 00:44:05,600 --> 00:44:10,200 Speaker 1: But because when I so I had my score recently 927 00:44:10,239 --> 00:44:12,640 Speaker 1: pulled for from the actual bank because I was when 928 00:44:12,719 --> 00:44:15,040 Speaker 1: a superman and I were looking for homes, I said, well, 929 00:44:15,120 --> 00:44:17,560 Speaker 1: let me see what my score is officially, and so 930 00:44:18,360 --> 00:44:20,600 Speaker 1: I'd gone on some of the free sites. I couldn't 931 00:44:20,640 --> 00:44:23,279 Speaker 1: understand why I couldn't move past like like it was 932 00:44:23,360 --> 00:44:26,080 Speaker 1: like seven thirty. I'm like, what, I that doesn't seem right, 933 00:44:26,320 --> 00:44:28,360 Speaker 1: And Discover Scorecard told me I had I had an 934 00:44:28,360 --> 00:44:31,239 Speaker 1: eight oh two, and I was like, that sounds more 935 00:44:31,440 --> 00:44:35,160 Speaker 1: like it. Then it so one M and T Bank 936 00:44:35,320 --> 00:44:37,800 Speaker 1: pulled my credit score. That's exactly what it was. So 937 00:44:37,920 --> 00:44:40,239 Speaker 1: I had arranged I think the lowest My lowest was 938 00:44:40,280 --> 00:44:42,719 Speaker 1: a seven eighty. Then I had like a I don't know, 939 00:44:42,880 --> 00:44:45,080 Speaker 1: maybe like a seven ninety something whatever and then a 940 00:44:45,160 --> 00:44:48,239 Speaker 1: eight oh two, and so I said, okay, so that 941 00:44:48,640 --> 00:44:51,319 Speaker 1: was this Discover was the only one that was I mean, 942 00:44:51,400 --> 00:44:53,520 Speaker 1: it was literally the exact same one. So I was like, wow, 943 00:44:53,920 --> 00:44:57,080 Speaker 1: this is literally the most accurate. So yeah, just be 944 00:44:57,200 --> 00:44:59,440 Speaker 1: mindful of that, I mean, and not just seeing some 945 00:44:59,520 --> 00:45:02,400 Speaker 1: of these free credit score sites, because what I do 946 00:45:02,600 --> 00:45:05,839 Speaker 1: like about them is that in Layman's terms, they break 947 00:45:05,920 --> 00:45:11,680 Speaker 1: down the why. Excuse me, let's here, so thank you. 948 00:45:11,840 --> 00:45:13,600 Speaker 1: So in Layman's terms, they break down the why. So 949 00:45:13,640 --> 00:45:16,320 Speaker 1: I really appreciate those sites for the like, oh this, 950 00:45:16,480 --> 00:45:20,239 Speaker 1: I'm understanding why I got to this number. So it's 951 00:45:20,280 --> 00:45:22,640 Speaker 1: not to, you know, to knock them down, but it's 952 00:45:22,800 --> 00:45:24,960 Speaker 1: just that if you're looking, nobody gives you a more 953 00:45:25,000 --> 00:45:28,880 Speaker 1: accurate score than the financial institution that you actually want 954 00:45:28,920 --> 00:45:30,479 Speaker 1: to get the house from with a card from or whatever, 955 00:45:31,080 --> 00:45:33,360 Speaker 1: you know. But like like Mandy said, definitely does Discovery. 956 00:45:33,400 --> 00:45:35,440 Speaker 1: I know for a fact, because that's the one I use. 957 00:45:35,480 --> 00:45:37,760 Speaker 1: And I was like pleasantly surprised how they were basically 958 00:45:38,080 --> 00:45:38,680 Speaker 1: right on point. 959 00:45:39,480 --> 00:45:41,239 Speaker 2: That's the best free one. And just one more thing 960 00:45:41,280 --> 00:45:43,600 Speaker 2: about and this is just gonna make people probably even 961 00:45:43,640 --> 00:45:47,040 Speaker 2: more upset. But Credit Karma I just confirmed and I'm 962 00:45:47,040 --> 00:45:48,839 Speaker 2: gonna I'm gonna post the link to this Minifi money 963 00:45:48,880 --> 00:45:50,960 Speaker 2: credit score guide. Credit Karma is giving you and so 964 00:45:51,120 --> 00:45:53,600 Speaker 2: is Credits has to means those credit Wise and even 965 00:45:53,680 --> 00:45:55,640 Speaker 2: lending Tree and my bank Rate and all those free 966 00:45:55,680 --> 00:45:59,200 Speaker 2: credit scores, nerd Wallet, Quizzle and on and on. They're 967 00:45:59,200 --> 00:46:02,080 Speaker 2: giving you advance a score under the Vantage score model. 968 00:46:02,400 --> 00:46:04,720 Speaker 2: And the Vantage score is a new credit model different 969 00:46:04,760 --> 00:46:08,400 Speaker 2: than FCO and it's catching on. But across the board 970 00:46:08,920 --> 00:46:11,840 Speaker 2: mortgage lenders, mortgage lenders are using the old FIGHTO score. 971 00:46:12,360 --> 00:46:14,560 Speaker 2: So that's why your Credit Karma score is going to 972 00:46:14,600 --> 00:46:18,320 Speaker 2: be different than like any FIGHTO score that like a 973 00:46:18,360 --> 00:46:21,839 Speaker 2: true FYCO score estimate and the best option, honestly, if 974 00:46:21,880 --> 00:46:24,239 Speaker 2: you really want to see your FIGHTO score and get 975 00:46:24,239 --> 00:46:26,560 Speaker 2: a good idea of what the lenders we'll see is 976 00:46:26,760 --> 00:46:29,040 Speaker 2: you're going to have to pay for it from my FCO. 977 00:46:29,800 --> 00:46:32,320 Speaker 2: And they charge fifty nine dollars fifty nine something for 978 00:46:33,200 --> 00:46:35,600 Speaker 2: a FIGHTO score and they use an older FIGHTO score 979 00:46:35,680 --> 00:46:38,359 Speaker 2: model two four and five. That's how that's how far 980 00:46:38,480 --> 00:46:40,960 Speaker 2: behind the mortgage industry is, like they're still using FICO 981 00:46:41,040 --> 00:46:44,920 Speaker 2: two four and five, and right now in modern America 982 00:46:45,160 --> 00:46:47,920 Speaker 2: there are Fighto scores eight and nine. But the mortgage 983 00:46:47,920 --> 00:46:50,200 Speaker 2: industry is just so slow, like they're still using the 984 00:46:50,280 --> 00:46:52,280 Speaker 2: older models, and a lot of these like new fangled 985 00:46:52,320 --> 00:46:55,600 Speaker 2: credit score estimate sites are using newer ones vantage scores, 986 00:46:56,080 --> 00:46:59,400 Speaker 2: newer FICO scores. I think that's why some people are 987 00:46:59,600 --> 00:47:02,840 Speaker 2: probably confused that their scores may be like different across 988 00:47:02,880 --> 00:47:03,279 Speaker 2: all of them. 989 00:47:04,760 --> 00:47:08,239 Speaker 1: Yeah, yeah, so now you know no one has half 990 00:47:08,320 --> 00:47:08,720 Speaker 1: the battle. 991 00:47:09,040 --> 00:47:10,759 Speaker 2: Good question, and I will. I'm going to post this 992 00:47:11,280 --> 00:47:14,359 Speaker 2: post this guide on on the show notes. So if 993 00:47:14,360 --> 00:47:16,960 Speaker 2: you look into iTunes or even on brand Ambition podcast 994 00:47:17,040 --> 00:47:18,959 Speaker 2: dot com, look for a link to the free credit 995 00:47:19,000 --> 00:47:19,520 Speaker 2: score guide. 996 00:47:21,840 --> 00:47:26,080 Speaker 1: Look at you, just a barrel of resources. We were 997 00:47:26,320 --> 00:47:29,920 Speaker 1: so hard like y'all don't get this. 998 00:47:30,080 --> 00:47:33,839 Speaker 2: Y'all are gonna breathe this resource, this free gift from 999 00:47:33,920 --> 00:47:37,200 Speaker 2: me to you. Shout out to Ali, our intern who 1000 00:47:37,360 --> 00:47:45,200 Speaker 2: helped us with that guide. All right, we're ready to 1001 00:47:45,239 --> 00:47:47,480 Speaker 2: move on to some what is next? I'm losing all 1002 00:47:47,560 --> 00:47:49,080 Speaker 2: track of our of the show. 1003 00:47:49,360 --> 00:47:53,680 Speaker 1: It's time. All I do is win, win, win, no 1004 00:47:53,840 --> 00:47:56,960 Speaker 1: matter what. Oh I didn't do this win before, but 1005 00:47:57,760 --> 00:48:00,520 Speaker 1: you know I have the memory that you know, I know. 1006 00:48:00,600 --> 00:48:02,359 Speaker 1: I was like, so, did I do a win about 1007 00:48:02,360 --> 00:48:03,759 Speaker 1: the app, the credit Stacker app? 1008 00:48:04,120 --> 00:48:05,480 Speaker 2: No, I don't wait, I don't think so. 1009 00:48:05,960 --> 00:48:09,520 Speaker 1: No, look at me. Meanwhile, I have literally no memory. 1010 00:48:09,600 --> 00:48:13,719 Speaker 1: So so there's this app called credit Stacker that is 1011 00:48:13,880 --> 00:48:17,719 Speaker 1: very similar to Candy Crush and it was built by 1012 00:48:18,680 --> 00:48:20,319 Speaker 1: don't give me the line. Let me find this young woman, 1013 00:48:21,520 --> 00:48:24,359 Speaker 1: this young woman who is of brown ambition descent, if 1014 00:48:24,400 --> 00:48:25,880 Speaker 1: you know what I mean, and I think you do. 1015 00:48:27,360 --> 00:48:29,920 Speaker 1: And I'm just like super excited because it's been downloaded, 1016 00:48:30,000 --> 00:48:32,920 Speaker 1: like let me see a bazillion time. Her name is. 1017 00:48:33,920 --> 00:48:36,680 Speaker 1: They're called Forbes actually calling this woman the next Steve Jobs, 1018 00:48:36,760 --> 00:48:40,720 Speaker 1: which is pretty awesome. She made a Candy Crush clone 1019 00:48:40,760 --> 00:48:42,880 Speaker 1: that teaches you basic finance, and I'm like, her name 1020 00:48:43,000 --> 00:48:46,000 Speaker 1: is Angel Rich, and I just thought that's so awesome, right, 1021 00:48:46,120 --> 00:48:48,440 Speaker 1: like a fun game that teaches you about personal finance, 1022 00:48:48,680 --> 00:48:52,680 Speaker 1: but lets you play it like like like Candy Crush. 1023 00:48:53,000 --> 00:48:54,600 Speaker 1: So I just want to shout, like share a little 1024 00:48:54,600 --> 00:48:57,640 Speaker 1: bit of a win to miss Angel Rich and creating 1025 00:48:57,680 --> 00:49:02,000 Speaker 1: this awesome app that teaches folk. You know, yeah, it's 1026 00:49:02,040 --> 00:49:06,560 Speaker 1: like multiple you Well, two hundred fifty thousand people got 1027 00:49:06,600 --> 00:49:09,680 Speaker 1: the app within the first two weeks of launching. Wow, 1028 00:49:10,239 --> 00:49:13,919 Speaker 1: credit stuff gotten. Yes, I actually downloaded. I'm not gonna 1029 00:49:13,960 --> 00:49:16,880 Speaker 1: lie I haven't. I haven't played with it yet, but 1030 00:49:17,160 --> 00:49:20,040 Speaker 1: I downloaded it because it's free. Yeah. I'm just really 1031 00:49:20,280 --> 00:49:23,760 Speaker 1: just to see like this young woman building this dope 1032 00:49:23,800 --> 00:49:26,600 Speaker 1: app that's actually fun, but then teaching financial education. I 1033 00:49:26,640 --> 00:49:27,759 Speaker 1: think it's just a win win win. 1034 00:49:29,480 --> 00:49:31,520 Speaker 2: No good credit stacker. 1035 00:49:31,680 --> 00:49:34,200 Speaker 1: Check it out. Yeah, check it out, get it, play it. 1036 00:49:34,360 --> 00:49:35,440 Speaker 1: Let us know how you feel about it. 1037 00:49:36,560 --> 00:49:39,680 Speaker 2: Okay, So my win is gonna be I'm gonna be 1038 00:49:39,719 --> 00:49:42,600 Speaker 2: on cheddar TV tomorrow. If you guys are listening early 1039 00:49:42,680 --> 00:49:44,680 Speaker 2: in the morning, catch me on Cheddar TV. 1040 00:49:44,800 --> 00:49:44,840 Speaker 1: So. 1041 00:49:44,960 --> 00:49:50,120 Speaker 2: Cheddar is a millennial focused online what would you call 1042 00:49:50,200 --> 00:49:52,880 Speaker 2: it broadcast platform? So they live stream from the New 1043 00:49:52,960 --> 00:49:56,280 Speaker 2: York Stock Exchange and I'll be there tomorrow talking about 1044 00:49:56,360 --> 00:50:01,800 Speaker 2: what happens to debt after you get married. Yeah, I 1045 00:50:01,920 --> 00:50:03,319 Speaker 2: love me. 1046 00:50:03,400 --> 00:50:05,520 Speaker 1: Too, Honestly, even though like you giggled that, like you 1047 00:50:05,600 --> 00:50:07,399 Speaker 1: know that they're I forgot. 1048 00:50:07,480 --> 00:50:08,040 Speaker 2: We talked about it. 1049 00:50:08,160 --> 00:50:15,040 Speaker 1: Yeah, their logo and Swiss cheese, but whatever, exactly, like 1050 00:50:15,160 --> 00:50:19,080 Speaker 1: that's Swiss. Honestly, I love how chill they are and 1051 00:50:19,160 --> 00:50:21,200 Speaker 1: how fun they are and how like so Yeah. If 1052 00:50:21,239 --> 00:50:23,680 Speaker 1: you are not following Cheddar on Facebook or Instagram, you 1053 00:50:23,719 --> 00:50:27,279 Speaker 1: should be because if you're like, you know, wanting to 1054 00:50:27,360 --> 00:50:29,399 Speaker 1: learn about money in a fun way. Because Mandy's gonna 1055 00:50:29,400 --> 00:50:29,640 Speaker 1: be on. 1056 00:50:31,640 --> 00:50:35,160 Speaker 2: Congratulates Thanks Man, So catch me on Cheddar in the 1057 00:50:35,280 --> 00:50:40,040 Speaker 2: Maniana and you, Missy, please get better. I hope that. 1058 00:50:40,320 --> 00:50:42,839 Speaker 2: I hope that you're healed by the time you get 1059 00:50:42,880 --> 00:50:43,560 Speaker 2: to Austie Land. 1060 00:50:44,560 --> 00:50:47,200 Speaker 1: Yes, I'm gonna take my night quote before night night 1061 00:50:47,239 --> 00:50:49,680 Speaker 1: quot because I have day quill. Take night quiote tonight. 1062 00:50:49,680 --> 00:50:52,160 Speaker 1: I'm gonna go to bed early. Superman is like trying 1063 00:50:52,200 --> 00:50:54,279 Speaker 1: to wrap this like wool scarf around my head. I'm like, 1064 00:50:54,320 --> 00:50:58,800 Speaker 1: if you don't get away with me, I know. He's like, babe, 1065 00:50:59,160 --> 00:51:02,720 Speaker 1: he made me sue and like maybe put on sweats, socks, 1066 00:51:03,120 --> 00:51:05,759 Speaker 1: a T shirt, a hoodie. I'm like, I'm literally dying. 1067 00:51:05,800 --> 00:51:07,600 Speaker 1: It's hot outside. He's like, you have to sweat it out. 1068 00:51:07,960 --> 00:51:09,879 Speaker 1: I'm like, oh, I'm sorry. Do you have your doctor's degree? 1069 00:51:11,520 --> 00:51:14,839 Speaker 2: That's what moms pill say sweat about. No, like, take 1070 00:51:14,920 --> 00:51:17,200 Speaker 2: some I'm a big fan of zinc. I always take 1071 00:51:17,280 --> 00:51:19,719 Speaker 2: zinc before I get on flights. It's supposed to boost 1072 00:51:19,719 --> 00:51:21,279 Speaker 2: your moon system. And I feel like there's so many 1073 00:51:21,360 --> 00:51:24,680 Speaker 2: germs on planes. But zinc it's like the only minner 1074 00:51:24,760 --> 00:51:26,600 Speaker 2: of the vitamin. I think that is supposed to help 1075 00:51:26,800 --> 00:51:30,240 Speaker 2: if you're feeling sick from a cold or a virus 1076 00:51:30,360 --> 00:51:32,600 Speaker 2: that really can't be cured with antibiotics. Yeah, that's what 1077 00:51:32,640 --> 00:51:35,919 Speaker 2: I've read, So it makes me feel better. Zinc hot 1078 00:51:36,040 --> 00:51:41,080 Speaker 2: tea with ginger, lemon honey, A lot, a lot, a 1079 00:51:41,120 --> 00:51:44,239 Speaker 2: lot of trash TV always helps me feel better. 1080 00:51:45,719 --> 00:51:49,200 Speaker 1: Yeah, I'm gonna, yeah, I'm gonna, honestly, like literally curl up. 1081 00:51:49,600 --> 00:51:51,520 Speaker 1: I made my list of things to pack. We thank 1082 00:51:51,680 --> 00:51:53,759 Speaker 1: goodness my flight is at five because I have not 1083 00:51:54,360 --> 00:51:56,759 Speaker 1: He said, just take tonight to rest because I took 1084 00:51:56,800 --> 00:51:59,520 Speaker 1: the tomorrow off obviously because I'm traveling. But like, I'm 1085 00:51:59,560 --> 00:52:03,040 Speaker 1: gonna pass back tomorrow morning. I'm not my I'm going 1086 00:52:03,080 --> 00:52:05,520 Speaker 1: with my my publicist slash best friend. She hates when 1087 00:52:05,520 --> 00:52:07,279 Speaker 1: I tell people she's my best friend. She was like, 1088 00:52:07,360 --> 00:52:10,000 Speaker 1: oh my god, stop telling people. I'm like why because 1089 00:52:10,040 --> 00:52:14,160 Speaker 1: she's like, you know, I know in these streets like no, 1090 00:52:14,280 --> 00:52:16,279 Speaker 1: I'm your papa, sist somebody, hey girl whatever and. 1091 00:52:16,400 --> 00:52:16,840 Speaker 2: Is a boss. 1092 00:52:16,920 --> 00:52:19,560 Speaker 1: We all know that exactly. I'm like Rianda you not 1093 00:52:19,640 --> 00:52:21,440 Speaker 1: to prove to nobody. So she I'm going with her 1094 00:52:21,520 --> 00:52:23,520 Speaker 1: because she has a client that she's going there with, 1095 00:52:23,640 --> 00:52:25,439 Speaker 1: and she's like, you should come. I'm like, uh, I'm there, 1096 00:52:26,120 --> 00:52:28,799 Speaker 1: So I'm gonna have a dope time. I just want 1097 00:52:28,880 --> 00:52:31,279 Speaker 1: to have a dope time and not be dead. 1098 00:52:32,040 --> 00:52:36,280 Speaker 2: So you're gonna get better. You're gonna have a great trip, happy, 1099 00:52:36,880 --> 00:52:37,839 Speaker 2: happy birthday trip. 1100 00:52:38,920 --> 00:52:42,360 Speaker 1: Yes, I'm doing it like my arms are out to 1101 00:52:42,400 --> 00:52:44,040 Speaker 1: my I know you guys like the visuals. My arms 1102 00:52:44,080 --> 00:52:45,719 Speaker 1: are out to the side and my hand is in 1103 00:52:45,760 --> 00:52:47,960 Speaker 1: the fist and I'm doing that. That's shimmy that you know, 1104 00:52:48,040 --> 00:52:50,440 Speaker 1: you see like older women do, like, yeah, they lean 1105 00:52:50,480 --> 00:52:53,359 Speaker 1: forward and lean back. Yeah, shakey, shakey forward, shakey, shakey back. 1106 00:52:53,560 --> 00:52:55,239 Speaker 1: That's my yes, just so you can see. And I'm 1107 00:52:55,280 --> 00:52:58,239 Speaker 1: wearing a bright orange Orlando, Florida. It's more like a 1108 00:52:58,280 --> 00:53:01,560 Speaker 1: fluorescent pink actually wet shirt that Superman forced on me. 1109 00:53:01,960 --> 00:53:06,480 Speaker 1: So yes, in my bright pink. Get into it. Just 1110 00:53:06,560 --> 00:53:07,719 Speaker 1: a little visual to leave you with. 1111 00:53:08,440 --> 00:53:11,200 Speaker 2: Good night, y'all, go to go to sleep, feel better, 1112 00:53:13,760 --> 00:53:17,080 Speaker 2: get better, so you're not gonna remember any of this episode.