WEBVTT - Ep. 101 — The Truth About All Those Free Credit Scores

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<v Speaker 1>Hey, Hey, so I think I have the palu.

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<v Speaker 2>Oh no, not you too.

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<v Speaker 1>Oh before vacations, I'm like, I'm supposed to be leaving

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<v Speaker 1>We're Australia tomorrow. And I'm like, oh my gosh, I'm

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<v Speaker 1>like sweating coffee, sneezing. I feel terrible.

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<v Speaker 2>You didn't look that. You didn't look at all sick

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<v Speaker 2>last night.

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<v Speaker 1>I didn't feel it. Honestly, when we hung out last night,

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<v Speaker 1>I was fine. Honestly. I woke up today. I was like, oh,

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<v Speaker 1>a little sneeze and another sneeze, and I'm like, wait,

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<v Speaker 1>are you feel sneeze five times in a row?

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<v Speaker 2>Oh?

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<v Speaker 1>No? Sorry? It declined from there and I'm like, oh

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<v Speaker 1>my god, I have not even packed. I'm like Drew's like,

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<v Speaker 1>so are you going? I'm like.

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<v Speaker 2>My dad. I called my dad earlier and he has

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<v Speaker 2>the Flutis this season?

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<v Speaker 1>Is that what it is? Probably?

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<v Speaker 2>Oh yeah, I mean this is uh, this is the

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<v Speaker 2>time when it's just starting to spread around. I don't know,

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<v Speaker 2>do you ever get I get? I got the flu

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<v Speaker 2>shot last year and I haven't had the flu, so

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<v Speaker 2>I guess maybe I should do it again. I guess

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<v Speaker 2>it worked. Have you gotten the flu shot?

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<v Speaker 1>I've never gotten the flu shot before.

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<v Speaker 2>You should probably get the flu shot definitely, yeah, I mean,

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<v Speaker 2>I mean, I know it doesn't like cover all the

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<v Speaker 2>types of flus, but yeah, you should definitely get the

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<v Speaker 2>flu shot. And it's not like you can do it anywhere,

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<v Speaker 2>like you can go to CBS Dayne Reid or your

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<v Speaker 2>doctor obviously, I just we would just we just went

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<v Speaker 2>to Dwayne Reid, me and my coworker because my yeah,

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<v Speaker 2>that's what happened last year one of my two of

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<v Speaker 2>my coworkers got the flu and we were like not today,

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<v Speaker 2>and we on our lunch break went to Dwayne Read

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<v Speaker 2>and got the shot. Yeah.

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<v Speaker 1>I heard it makes you get the flu.

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<v Speaker 2>Though I heard, no, it shouldn't. I mean I I

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<v Speaker 2>I actually I experienced that one time. I got the

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<v Speaker 2>flu vaccine, like uh, I forget. It must have been

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<v Speaker 2>like five or six years ago, and I did get

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<v Speaker 2>sick afterward, but like for a day or two I

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<v Speaker 2>had like a head cold. That is like for some

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<v Speaker 2>people that happens. But I think that I don't know.

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<v Speaker 2>Last year, I didn't have any complications. So no, I mean,

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<v Speaker 2>consult your doctor, I guess, but you got it now,

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<v Speaker 2>so I don't know, yeah.

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<v Speaker 1>We'll see.

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<v Speaker 2>I mean, I hopefully I know what doctor Google said,

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<v Speaker 2>so I mean just tea.

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<v Speaker 1>I've been like, I'm gonna like take some night pul

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<v Speaker 1>with me on the plane and so I'm gonna be

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<v Speaker 1>on it for hours and hours and hours anyway, so

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<v Speaker 1>hopefully I can hopefully person next to me you won't

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<v Speaker 1>mind my snoring so that I'm sure I'll be doing

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<v Speaker 1>no But you know, such as life.

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<v Speaker 2>You know, this is how epidemics gets spread. One person

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<v Speaker 2>gets on a plane.

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<v Speaker 1>About flu with me to Australia.

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<v Speaker 2>No.

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<v Speaker 1>Well, so I went to the doctor today and I

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<v Speaker 1>was like wait a minute, because I was like, you

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<v Speaker 1>know what, because you know, we talked about last night,

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<v Speaker 1>how well I always tell y'all that I'm trying to

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<v Speaker 1>get these this baby started, and so this is my

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<v Speaker 1>third doctor. But I wanted, you know, you just kind

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<v Speaker 1>of test doctors out to try to figure out do

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<v Speaker 1>I like this one and I really like this one.

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<v Speaker 1>So I think she's the girl, and so I have

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<v Speaker 1>to get like a full what is that a mammogram?

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<v Speaker 1>What's that sound? What's that thing when they put the

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<v Speaker 1>stuff on your stomach? I usually it's when you have

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<v Speaker 1>a baby. But you can look for other stuff.

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<v Speaker 2>The oh you know that ultrasound goop.

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<v Speaker 1>Yes, the ultrasound. So I have to go for an ultrasound.

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<v Speaker 1>But she said she could tell she felt that. She

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<v Speaker 1>was like, h yes, you have very large fib words.

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<v Speaker 1>She's a tiffany. So apparently firewords are like these fleshy,

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<v Speaker 1>typically benign tumors that are like red like not red,

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<v Speaker 1>but pink like rubbery balls basically that grow in the

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<v Speaker 1>lining of your uterus. So if you think of like

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<v Speaker 1>universe kind of looks like a little girl's head with

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<v Speaker 1>ponytails coming out the side, those are the fallopian tubes,

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<v Speaker 1>I mean. And so the the the fiveboids kind of

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<v Speaker 1>grow on the fleshy part of the head. And so

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<v Speaker 1>she was like that mine are so big that my

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<v Speaker 1>uterus is like the size of someone who's four months pregnant.

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<v Speaker 1>Oh wow, I was. I know. I couldn't believe she

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<v Speaker 1>said four or five months, because remember I kept telling

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<v Speaker 1>you before, it's like I don't always have this little pouch.

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<v Speaker 1>I always have this little pouch. And she was like, yeah,

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<v Speaker 1>this has to be like if you want to have

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<v Speaker 1>a kid, you're gonna have to have surgery and I

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<v Speaker 1>was like, no, So I just want to want to

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<v Speaker 1>give everybody up there because I know there's other women

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<v Speaker 1>who are dealing with five boyds. You guys have like

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<v Speaker 1>messaged me and stuff, and so you know, I just

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<v Speaker 1>was like, you know what, I yeah, she just said,

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<v Speaker 1>you know, because there's not gonna be any room. Basically,

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<v Speaker 1>she's like, sometimes women can have children and five boyds

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<v Speaker 1>because and sometimes also too that the hormones if you're pregnant,

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<v Speaker 1>the five boards actually grow, and she was like, yours

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<v Speaker 1>are significantly big, Tiffany. I think she said anything over

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<v Speaker 1>nine centimeters or something like that. They really tell you

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<v Speaker 1>to have them taken out because you're if not your

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<v Speaker 1>your high, it's your pregnancy is highly likely to end

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<v Speaker 1>in a miscarriage. And of course obviously I don't you know,

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<v Speaker 1>I want that obviously, So just because there's literally no space,

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<v Speaker 1>like if I'm already like there's basically if my fireboards

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<v Speaker 1>are taking up the space of a four month old baby,

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<v Speaker 1>like where does the real baby go? You know?

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<v Speaker 2>Yeah? Yeah, and this is your second opinion, right because

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<v Speaker 2>you had gone third, your third, it's.

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<v Speaker 1>My third because I just said, you know, like I

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<v Speaker 1>because I had gone before and I was just like okay,

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<v Speaker 1>and I gone again. And it was a guy and

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<v Speaker 1>he was like right away, he was like, you need surgery.

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<v Speaker 1>I just did. I felt like it was so abrupt.

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<v Speaker 1>I was like, man, you don't know what you're talking about.

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<v Speaker 1>And so I asked a girlfriend of mine who was like,

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<v Speaker 1>I got a really awesome doctor because she has fibroids.

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<v Speaker 1>And she was like, she's amazing, and so I went

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<v Speaker 1>and honestly, her staff was amazing. Shouts to doctor Parchment

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<v Speaker 1>in Maplewood. She the staff was amazing. Everyone was so

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<v Speaker 1>nice and so like, and her energy was just so great.

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<v Speaker 1>And yeah, she was just like, you know, obviously I

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<v Speaker 1>have to get an ultrasound to see, like what's really happening.

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<v Speaker 1>She's like, but I can feel and I can see

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<v Speaker 1>because literally you can, like if you touch someone just

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<v Speaker 1>like belly, you know you. She's like, if they're big enough,

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<v Speaker 1>you can feel them. She's like, I can feel them.

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<v Speaker 1>She's like, you feel this lump right here, because you

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<v Speaker 1>know you what, it's your body. You don't think about it.

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<v Speaker 1>I'm just like I have a little belly. She's like, nope,

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<v Speaker 1>this right here. Brother was just like, what you know,

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<v Speaker 1>and she was like, literally, it's like she was like, like,

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<v Speaker 1>your unius is supposed to be where you know how

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<v Speaker 1>people have to foop up between your your hu ha

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<v Speaker 1>and your your and your belly button. Sure, that's where

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<v Speaker 1>you that's where your universe is supposed to basically sit.

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<v Speaker 1>And she was like, the five boys are pushing up

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<v Speaker 1>and you're like, it's like past your belly button. And

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<v Speaker 1>I was like, what so, and if five boys are

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<v Speaker 1>typically hereditary, you know, not always, but typically and I

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<v Speaker 1>know I've definitely heard of people like She's like, sometimes

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<v Speaker 1>they're small enough where you can get laser surgery or

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<v Speaker 1>you can shrink them. And but she was like, if

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<v Speaker 1>you're wanting to have a child, you know, I really

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<v Speaker 1>don't see any other option beside surgery. And surgery is

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<v Speaker 1>she does the surgery actually, which I was like, well,

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<v Speaker 1>how many years have you been doing this? She said

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<v Speaker 1>twenty And she said that she she basically is in

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<v Speaker 1>the o R. She said, every week, and this is

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<v Speaker 1>the surgery she does quite often. And she said, honestly,

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<v Speaker 1>the majority of her patients go on to have kids.

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<v Speaker 1>So she was like, you know, I mean, obviously there's

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<v Speaker 1>no guarantee, but she was like, that's you know, And

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<v Speaker 1>I said, okay, So I want to have surgery, which

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<v Speaker 1>I'm like, ash. She said, I'll be out of a

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<v Speaker 1>bishit basically, like especially for the first two weeks, but

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<v Speaker 1>really it's six weeks recovery at home. I said, well, thankfully,

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<v Speaker 1>you know, I basically work from home. She was like, well,

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<v Speaker 1>you know you'll be able to You'll just be home. Yeah,

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<v Speaker 1>And I said, so, I just wanted to give you

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<v Speaker 1>all a update about some real life ish. Wow. So

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<v Speaker 1>what's going on in the woods and.

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<v Speaker 2>My neck of the woods? Al roker, You know, things

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<v Speaker 2>are fine, things are good. It's the end of the month,

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<v Speaker 2>which is like the craziest month at work at work

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<v Speaker 2>for us. But I wanted to talk real quick. I

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<v Speaker 2>read this headline and I couldn't believe it. But I

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<v Speaker 2>actually had a really scary moment, and I'm a little shook.

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<v Speaker 2>I might have agreed with President Trump on something. Ah

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<v Speaker 2>what happened, And I don't know quite what that means

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<v Speaker 2>about me. So what happened was so we all know

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<v Speaker 2>that the Republicans are trying to push through some tax

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<v Speaker 2>reforms like they have failed and failed and failed to

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<v Speaker 2>push through an Obamacare repeal, and this is like their

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<v Speaker 2>last chance before the year ends to like actually do

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<v Speaker 2>something productive with their time. So back in a few

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<v Speaker 2>months ago, I think Trump released his proposal tax for

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<v Speaker 2>the tax changes, and essentially he's you know, calling for

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<v Speaker 2>some tax cuts to the middle class, to basically all

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<v Speaker 2>income brackets, some tax cuts. But his plan was so vague.

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<v Speaker 2>It was basically like just a couple of pages. And

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<v Speaker 2>it's been up to the Republicans in Congress to like

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<v Speaker 2>actually fill in the gaps and come up with a

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<v Speaker 2>way to pay for the tax cuts. Because you know, obviously,

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<v Speaker 2>every all the great public works that we have are

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<v Speaker 2>paid for by taxes, so when you reduce taxes on people,

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<v Speaker 2>you're reducing revenue and anyhow, so the Republicans are at

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<v Speaker 2>work right now going back and forth and like how

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<v Speaker 2>are we going to pay for these tax cuts? And

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<v Speaker 2>apparently there was rumors that they were discussing decreasing the

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<v Speaker 2>amount of money that we can put into our four

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<v Speaker 2>to one k like pre tax Yeah, that's what everyone said.

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<v Speaker 2>Say what so wet, like you can put up to

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<v Speaker 2>eighteen thousand dollars away. This is a huge tax benefit

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<v Speaker 2>for everybody, I mean, everywheer no matter your income, and

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<v Speaker 2>it's one of the few really good tax breaks that

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<v Speaker 2>I think the average Joe actually qualifies for without needing,

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<v Speaker 2>like you know, Donald Trump's accountant doing his higgeley piggledy

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<v Speaker 2>and getting him out of taxes. So it is like

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<v Speaker 2>it caused this whole kerfuffle, and like everyone was kind

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<v Speaker 2>of freaking out for the hot minute. But then Trump

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<v Speaker 2>tweeted and he said, there's no way we're going to

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<v Speaker 2>be reducing your four one K contribution. He said, this

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<v Speaker 2>is a great tax cut for the middle class. And

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<v Speaker 2>it worked because it's not going away. I'm paraphrasing, but

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<v Speaker 2>that is what And I was like, oh oh, I

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<v Speaker 2>was looking really hard. I was like, but.

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<v Speaker 1>I agree. Yeah, I mean, hey, I can say that.

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<v Speaker 1>I agree.

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<v Speaker 2>I agree. That's scary though. I mean, it's just I

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<v Speaker 2>feel like, you know, it sounds great to say you're

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<v Speaker 2>going to reduce taxes, and everyone wants to hear tax

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<v Speaker 2>cuts tax cuts, but you have to pay for them somehow,

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<v Speaker 2>And it's like it may feel good to get a

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<v Speaker 2>tax cut, but if they're going to be reducing benefits

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<v Speaker 2>that you enjoy on the back of it, then really

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<v Speaker 2>you're not winning, Like when everything is added up. So

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<v Speaker 2>it's just interesting. So that's what's happening in on on

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<v Speaker 2>Capitol Hill.

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<v Speaker 1>I feel like a broken clock is right twice a day.

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<v Speaker 2>I love that expression.

0:10:52.920 --> 0:10:54.839
<v Speaker 1>I was waiting for the athat you know what, let

0:10:54.880 --> 0:10:59.160
<v Speaker 1>me pull out an old Brandy expression. So, you know what,

0:10:59.320 --> 0:11:02.160
<v Speaker 1>if it's a twelve o'clock on that clock, guess what,

0:11:02.280 --> 0:11:04.360
<v Speaker 1>twice a day it'll be twelve o'clock. It don't mean

0:11:04.400 --> 0:11:07.319
<v Speaker 1>that the clock is working now. It just means, you know,

0:11:07.520 --> 0:11:12.920
<v Speaker 1>sometimes things are in alignment. Yeah, I see, it's certainly

0:11:12.960 --> 0:11:14.760
<v Speaker 1>a broken clock. But I'm just saying, but thanks, I'm

0:11:14.760 --> 0:11:16.920
<v Speaker 1>glad that he said. I'm going to give him, you know,

0:11:17.360 --> 0:11:22.960
<v Speaker 1>or that statement. It's props. So, yeah, this is like

0:11:23.040 --> 0:11:25.480
<v Speaker 1>semi random. But have you ever heard a four X.

0:11:25.520 --> 0:11:27.280
<v Speaker 1>I feel like a lot of people are doing that now,

0:11:27.559 --> 0:11:30.400
<v Speaker 1>Foreign exchange, yeah, for X trading.

0:11:31.640 --> 0:11:34.800
<v Speaker 2>Yeah, I've heard of it, but I'm not not.

0:11:34.679 --> 0:11:37.600
<v Speaker 1>Really I know, it's just random. I was just scrolling

0:11:37.600 --> 0:11:40.480
<v Speaker 1>through my timeline and someone was like, oh, taking my

0:11:40.520 --> 0:11:43.840
<v Speaker 1>for X classes, and I was just thinking to myself,

0:11:43.920 --> 0:11:46.760
<v Speaker 1>I've heard of like four X, but I'm not super familiar.

0:11:46.760 --> 0:11:48.440
<v Speaker 1>I'm not gonna lie. So I just just like, maybe

0:11:48.480 --> 0:11:51.920
<v Speaker 1>Mandy knows, because I see so many women are like,

0:11:52.200 --> 0:11:56.319
<v Speaker 1>uh taking or or more and more for women which

0:11:56.360 --> 0:11:58.920
<v Speaker 1>I like, are starting to invest more, you know, like

0:11:58.960 --> 0:12:02.080
<v Speaker 1>I know a lot of my friends taking in I.

0:12:01.960 --> 0:12:04.800
<v Speaker 2>Think, I mean, the all I know about four X

0:12:05.040 --> 0:12:08.719
<v Speaker 2>trading is I think it's where you just you trade currencies,

0:12:09.360 --> 0:12:13.040
<v Speaker 2>like you invest in different foreign currencies on the like,

0:12:13.440 --> 0:12:15.679
<v Speaker 2>because you say, okay, well it looks like, I don't know,

0:12:15.880 --> 0:12:18.199
<v Speaker 2>the British pound is doing really well right now, so

0:12:18.280 --> 0:12:22.400
<v Speaker 2>I'm going to invest in pounds or like, the British

0:12:22.480 --> 0:12:24.800
<v Speaker 2>pound is plummeting right now, so I'm gonna scoop some

0:12:24.960 --> 0:12:27.520
<v Speaker 2>up because they're cheap and then wait for it to

0:12:27.640 --> 0:12:31.480
<v Speaker 2>rise again and then convert it. That's my idea. Don't

0:12:31.520 --> 0:12:35.240
<v Speaker 2>quote me. I think that is the concept before X trading,

0:12:35.840 --> 0:12:37.960
<v Speaker 2>and I don't know, it sounds really complicated to me.

0:12:38.280 --> 0:12:40.839
<v Speaker 1>Yeah, no, I mean, I'm not gonna lie. I've never

0:12:41.040 --> 0:12:45.200
<v Speaker 1>been super when it comes to traditional and I mean

0:12:45.240 --> 0:12:48.719
<v Speaker 1>well traditional even traditional investing outside of like I can

0:12:48.760 --> 0:12:50.480
<v Speaker 1>buy a house. I'm one of those investors. There's this

0:12:50.480 --> 0:12:53.480
<v Speaker 1>guy named Tony Hirsch. He owns Zappos or I don't know,

0:12:53.520 --> 0:12:55.679
<v Speaker 1>if he's still the founder, but he's some billionaire guy.

0:12:55.880 --> 0:12:58.439
<v Speaker 1>And I remember, really, you know, relating to him, because

0:12:58.720 --> 0:13:01.360
<v Speaker 1>he said he didn't getty and stuff, so he didn't

0:13:01.679 --> 0:13:04.240
<v Speaker 1>that's not what he invested in. Instead, he invested in

0:13:04.280 --> 0:13:10.160
<v Speaker 1>businesses and like I guess, uh, real estate and tangible

0:13:10.160 --> 0:13:12.240
<v Speaker 1>things because he didn't quite understand it. He didn't believe

0:13:12.240 --> 0:13:14.640
<v Speaker 1>in investing in a space that he didn't understand or

0:13:14.679 --> 0:13:16.880
<v Speaker 1>wasn't willing to at least put the energy into understanding.

0:13:17.160 --> 0:13:19.120
<v Speaker 1>And I feel like that that like when it comes

0:13:19.120 --> 0:13:22.120
<v Speaker 1>to stocks, I mean like enough, but not well enough

0:13:22.160 --> 0:13:24.360
<v Speaker 1>to feel really comfortable by putting a whole lot of

0:13:24.440 --> 0:13:26.320
<v Speaker 1>money in, you know. And I also don't feel like

0:13:26.920 --> 0:13:29.200
<v Speaker 1>I'm all that interested in learning, which sounds terrible. So

0:13:29.240 --> 0:13:31.600
<v Speaker 1>I'm like m But then I told myself it's okay,

0:13:31.640 --> 0:13:33.800
<v Speaker 1>because there's other types of investing, right. You can invest

0:13:33.800 --> 0:13:36.880
<v Speaker 1>in in businesses, you can invest in real estate. There

0:13:36.880 --> 0:13:39.160
<v Speaker 1>are other things that to invest in. Although I do

0:13:39.240 --> 0:13:41.000
<v Speaker 1>have like my not my four O one K, but

0:13:41.080 --> 0:13:43.800
<v Speaker 1>like my I do have a retirement account obviously that's

0:13:43.840 --> 0:13:46.760
<v Speaker 1>invested in stocks and stuff like that. But I have

0:13:46.840 --> 0:13:49.880
<v Speaker 1>a financial advisor. And even though I'm like I don't

0:13:49.880 --> 0:13:52.720
<v Speaker 1>know half the stuff you're talking about. But I'm like,

0:13:52.720 --> 0:13:54.600
<v Speaker 1>explain again, and why again?

0:13:55.960 --> 0:13:58.040
<v Speaker 2>Now you should. I feel like I'm just now getting

0:13:58.080 --> 0:14:00.840
<v Speaker 2>the hand getting I feel confident and my abilities to

0:14:00.960 --> 0:14:04.760
<v Speaker 2>invest my retirement and invest in a brokerage fund outside

0:14:04.760 --> 0:14:07.000
<v Speaker 2>my retirement, and I feel really proud of that. And

0:14:07.040 --> 0:14:11.199
<v Speaker 2>now like this, like this, like these I don't know, these,

0:14:11.840 --> 0:14:15.200
<v Speaker 2>I don't know ap class investment things are just a

0:14:15.240 --> 0:14:17.360
<v Speaker 2>little bit I haven't quite gotten there yet.

0:14:17.400 --> 0:14:20.480
<v Speaker 1>And especially like once you start switching financial advisors, I'm

0:14:20.520 --> 0:14:24.760
<v Speaker 1>sure my financial advisor does not listen pay James. But

0:14:24.880 --> 0:14:28.760
<v Speaker 1>like I broke up with James, no, no, I know,

0:14:29.040 --> 0:14:31.760
<v Speaker 1>it was so weird. So I switched over to Frank because,

0:14:31.960 --> 0:14:33.920
<v Speaker 1>you know, because I started with James as a fee

0:14:33.920 --> 0:14:36.000
<v Speaker 1>based because you know, there's two types of ways that

0:14:36.040 --> 0:14:39.440
<v Speaker 1>you can pay your financial advisor. You can it's fee

0:14:39.440 --> 0:14:42.920
<v Speaker 1>based where wait, fee base is when you actually just

0:14:42.920 --> 0:14:45.640
<v Speaker 1>pay the lump sum, right, and then there's there are

0:14:45.880 --> 0:14:48.800
<v Speaker 1>financial advisors that get paid based upon your portfolio, like

0:14:48.800 --> 0:14:52.280
<v Speaker 1>a percentage, typically under one percent. So I started with James,

0:14:52.320 --> 0:14:54.080
<v Speaker 1>but I didn't have any money really because I didn't

0:14:54.080 --> 0:14:55.880
<v Speaker 1>have any money to pay him, and so he got

0:14:55.880 --> 0:14:59.280
<v Speaker 1>paid on my portfolio, which is not ideal, but at

0:14:59.360 --> 0:15:01.680
<v Speaker 1>least I would start. And then I was like, Okay,

0:15:01.720 --> 0:15:04.520
<v Speaker 1>now that I'm doing better, I don't want someone because

0:15:05.760 --> 0:15:08.480
<v Speaker 1>if I want to make sure that someone is being

0:15:08.520 --> 0:15:12.080
<v Speaker 1>paid based upon their performance, not based upon my money,

0:15:12.080 --> 0:15:14.720
<v Speaker 1>that's sitting there, you know. And so I switched over

0:15:14.840 --> 0:15:18.520
<v Speaker 1>to so me paying someone, you know, versus them getting

0:15:18.520 --> 0:15:21.440
<v Speaker 1>paid off my portfolio. So I switched over. And when

0:15:21.440 --> 0:15:24.280
<v Speaker 1>you switch over, I was rolling over my accounts from

0:15:24.400 --> 0:15:27.240
<v Speaker 1>James to Frank. But I didn't tell James because I

0:15:27.280 --> 0:15:28.840
<v Speaker 1>was like, ah, because you know, we're breaking up and

0:15:28.840 --> 0:15:31.240
<v Speaker 1>I didn't like so I kind of ghosted him. And

0:15:31.320 --> 0:15:32.760
<v Speaker 1>so when you have to sign a paperwork and I'm

0:15:32.760 --> 0:15:34.680
<v Speaker 1>sure Frank had to send the paperwork over to James.

0:15:34.920 --> 0:15:36.880
<v Speaker 1>And then the other day James called me and I

0:15:36.960 --> 0:15:39.840
<v Speaker 1>was like, I didn't pick up though, and I still

0:15:39.840 --> 0:15:42.640
<v Speaker 1>haven't listened to his message. I feel like such a

0:15:43.200 --> 0:15:45.240
<v Speaker 1>like such a like I'm running for my ex boyfriend.

0:15:45.320 --> 0:15:47.520
<v Speaker 1>I'm running for my ex financial advisor. I'm gonna call

0:15:47.600 --> 0:15:50.240
<v Speaker 1>him and let him know. I'm so sorry. It's not you,

0:15:50.360 --> 0:15:52.960
<v Speaker 1>it's not you, it's just I've grown. I'm just in

0:15:53.000 --> 0:15:58.240
<v Speaker 1>a different space. I'm moving forward, I know, but.

0:15:58.720 --> 0:16:02.240
<v Speaker 2>Don't dost them I professionals. We actually had to. We

0:16:02.280 --> 0:16:04.760
<v Speaker 2>didn't break up, but we did. We were doing monthly.

0:16:05.520 --> 0:16:10.080
<v Speaker 2>We were paying our financial planner monthly for a year,

0:16:10.200 --> 0:16:13.040
<v Speaker 2>and then once the year was up, we reassessed and

0:16:13.040 --> 0:16:15.560
<v Speaker 2>we're like, we really don't need monthly. We don't need

0:16:15.680 --> 0:16:17.560
<v Speaker 2>we don't need to pay two hundred bucks a month

0:16:18.160 --> 0:16:20.200
<v Speaker 2>for monthly calls. I mean, we have a good handle

0:16:20.240 --> 0:16:21.920
<v Speaker 2>on our finances. So we just I just sent her

0:16:21.920 --> 0:16:23.640
<v Speaker 2>an email and I said, Okay, we'd like to switch

0:16:23.640 --> 0:16:26.760
<v Speaker 2>to bi annually and just have a checkup and December

0:16:26.800 --> 0:16:28.280
<v Speaker 2>at the end of the year, and then have another

0:16:28.320 --> 0:16:31.160
<v Speaker 2>one midway through the year instead. And she was totally

0:16:31.160 --> 0:16:31.640
<v Speaker 2>cool with it.

0:16:32.880 --> 0:16:34.280
<v Speaker 1>Okay, yeah, I'm gonna let him now.

0:16:34.360 --> 0:16:36.160
<v Speaker 2>I mean, we weren't breaking up with him. Also, we

0:16:36.200 --> 0:16:38.080
<v Speaker 2>had to break up with her. We did break up

0:16:38.120 --> 0:16:40.120
<v Speaker 2>with our couples counselor, and that was kind of awkward,

0:16:40.960 --> 0:16:44.280
<v Speaker 2>really yeah, because we did. We did premiutal counseling before

0:16:44.280 --> 0:16:46.840
<v Speaker 2>the wedding and that was really helpful, especially because it's

0:16:46.840 --> 0:16:49.920
<v Speaker 2>such a stressful time. Man. And then for we went

0:16:50.000 --> 0:16:52.920
<v Speaker 2>like a couple of times I think after the wedding,

0:16:53.080 --> 0:16:55.320
<v Speaker 2>but I don't know. It was like the second or

0:16:55.320 --> 0:16:56.800
<v Speaker 2>third time where I was like, I don't know why

0:16:56.840 --> 0:16:59.400
<v Speaker 2>we're doing this, Like we're really struggling to find things

0:16:59.400 --> 0:17:02.000
<v Speaker 2>to talk about. Let's wait until we have some issues

0:17:03.040 --> 0:17:05.720
<v Speaker 2>to really talk about. And that was tough because she

0:17:05.800 --> 0:17:11.480
<v Speaker 2>kept texting and emailing and stuff. As you're like, I

0:17:11.520 --> 0:17:13.439
<v Speaker 2>want to book an next appointment, let's book it right now.

0:17:13.480 --> 0:17:17.440
<v Speaker 2>I'm like, oh yeah, and you did hide to eventually

0:17:17.480 --> 0:17:21.399
<v Speaker 2>send the breakup email. This is adulting, man, yes it is.

0:17:21.680 --> 0:17:23.320
<v Speaker 1>I'm like, I'm sorry, James. I'm going to bring up

0:17:23.320 --> 0:17:25.320
<v Speaker 1>with you officially when I get back from Australia. I

0:17:25.359 --> 0:17:28.199
<v Speaker 1>promise all. Like I said, James doesn't listen. I know.

0:17:28.280 --> 0:17:29.439
<v Speaker 1>James was like, gosh, darn it.

0:17:30.359 --> 0:17:32.720
<v Speaker 2>Also James, and what was the other one? Frank? Those

0:17:32.720 --> 0:17:35.080
<v Speaker 2>are like exactly what a financial planner's name should be.

0:17:35.520 --> 0:17:38.879
<v Speaker 1>I know, right, they may or may not be real names.

0:17:38.960 --> 0:17:42.640
<v Speaker 1>So whatever, you know, knowing me their likely room mate,

0:17:42.640 --> 0:17:43.560
<v Speaker 1>here's what whatever.

0:17:43.520 --> 0:17:46.080
<v Speaker 2>I actually I should I should mention this because one

0:17:46.080 --> 0:17:47.800
<v Speaker 2>of the things I found out about, and this is

0:17:47.800 --> 0:17:52.840
<v Speaker 2>something that I think people don't realize, but like financial planners,

0:17:52.840 --> 0:17:56.840
<v Speaker 2>so my financial planner. She has a CFP designation. She's

0:17:56.840 --> 0:17:59.520
<v Speaker 2>also a registered and investment advisor, but we didn't use

0:17:59.520 --> 0:18:03.000
<v Speaker 2>her for invat been planning, just financial planning. But one

0:18:03.080 --> 0:18:06.520
<v Speaker 2>of the things I've learned is that they don't know everything, Like, yeah,

0:18:06.680 --> 0:18:09.520
<v Speaker 2>CFP training does not cover a lot of things that

0:18:09.560 --> 0:18:12.160
<v Speaker 2>millennials are going through, like student loan debt and even

0:18:12.200 --> 0:18:14.800
<v Speaker 2>just buying a house. Like one of my colleagues is

0:18:14.880 --> 0:18:19.639
<v Speaker 2>currently studying to become a certified financial planner. And she's studying,

0:18:19.720 --> 0:18:23.399
<v Speaker 2>she's taking the classes, doing the coursework part of getting

0:18:23.400 --> 0:18:26.120
<v Speaker 2>the CFP. It takes like years to become an official

0:18:26.160 --> 0:18:29.560
<v Speaker 2>CFP certified, so anyway, and she's just like telling me

0:18:29.600 --> 0:18:31.520
<v Speaker 2>the most mind blowing things about how they don't They

0:18:31.520 --> 0:18:33.840
<v Speaker 2>barely talk about student loan debt. They barely talk about

0:18:33.840 --> 0:18:36.679
<v Speaker 2>buying a house. So when you're shopping for a financial planner, like,

0:18:37.080 --> 0:18:39.520
<v Speaker 2>if you have those specific issues, I'll just say, really

0:18:39.600 --> 0:18:42.680
<v Speaker 2>interview them and test their knowledge of those things, because

0:18:43.240 --> 0:18:44.800
<v Speaker 2>I think you all. I remember where we talked about

0:18:44.800 --> 0:18:48.040
<v Speaker 2>how my financial planner didn't like when we were paying

0:18:48.040 --> 0:18:50.560
<v Speaker 2>off my husband's student loan debt, like it was a

0:18:50.560 --> 0:18:53.800
<v Speaker 2>lot of money we were paying off and like, you

0:18:53.880 --> 0:18:56.200
<v Speaker 2>found out you can call if you're ready to pay

0:18:56.200 --> 0:18:59.000
<v Speaker 2>off the loan and try and negotiate a discount for

0:18:59.080 --> 0:19:01.280
<v Speaker 2>the loan balance that you and she didn't know.

0:19:01.320 --> 0:19:04.800
<v Speaker 1>That, yeah, yeah, ten to fifteen percent.

0:19:05.200 --> 0:19:07.040
<v Speaker 2>Yeah. And so I had that moment where I was

0:19:07.080 --> 0:19:08.800
<v Speaker 2>like oh, and she's like, oh yeah, I had no idea.

0:19:08.840 --> 0:19:12.320
<v Speaker 2>I was like, but you're supposed to know everything, aren't you. No,

0:19:12.520 --> 0:19:15.560
<v Speaker 2>they don't know everything. No, they know. And we were

0:19:15.560 --> 0:19:18.520
<v Speaker 2>talking about mortgages one time, and I think my husband

0:19:18.560 --> 0:19:20.920
<v Speaker 2>had asked what a what a five to one adjustable

0:19:21.000 --> 0:19:24.240
<v Speaker 2>rate mortgage was, and being a personal finance editor, I

0:19:24.240 --> 0:19:27.240
<v Speaker 2>had just edited a story and published a story on

0:19:27.440 --> 0:19:30.800
<v Speaker 2>our website about five one adjustable rate mortgages and I

0:19:30.800 --> 0:19:33.520
<v Speaker 2>hear the tap tap tapping from our financial planner and

0:19:33.520 --> 0:19:36.760
<v Speaker 2>she's like, oh, look, Magnify Money says that adjustable rate.

0:19:36.960 --> 0:19:40.840
<v Speaker 2>And I was like, wait, you're googling it. Oh no, wow.

0:19:42.040 --> 0:19:45.040
<v Speaker 2>So that's what I'm saying. When they don't really teach,

0:19:45.080 --> 0:19:47.600
<v Speaker 2>they don't go really really in depth into the mortgage

0:19:47.760 --> 0:19:49.639
<v Speaker 2>and student loan product, and that's an issue I think

0:19:49.640 --> 0:19:51.840
<v Speaker 2>they're going to have if they want, if they want

0:19:51.840 --> 0:19:54.919
<v Speaker 2>millennials to hire cfps, they need to train them. I

0:19:54.920 --> 0:19:57.119
<v Speaker 2>think that's why you see so many like financial planners,

0:19:57.160 --> 0:20:00.760
<v Speaker 2>these young financial planners doing these like courses and doing

0:20:00.760 --> 0:20:03.919
<v Speaker 2>this continuing education and stuff and learning the things that

0:20:03.960 --> 0:20:06.679
<v Speaker 2>their clients are asking them, because I don't know, I

0:20:06.680 --> 0:20:09.840
<v Speaker 2>feel like the CFP exam isn't really preparing people like

0:20:09.920 --> 0:20:10.760
<v Speaker 2>properly or like.

0:20:11.520 --> 0:20:14.919
<v Speaker 1>For real life things. It's like, because you're right. I

0:20:14.960 --> 0:20:17.240
<v Speaker 1>think it was like one I read an article I

0:20:17.240 --> 0:20:19.320
<v Speaker 1>can't remember, I don't know if it was Forbes, like

0:20:20.440 --> 0:20:24.600
<v Speaker 1>that there's this one so mid me. My brain is

0:20:24.600 --> 0:20:29.440
<v Speaker 1>like so unlike phlu mode, Like, so there's this is one,

0:20:29.960 --> 0:20:34.000
<v Speaker 1>I guess thing that you could offer millennials that makes

0:20:34.040 --> 0:20:36.840
<v Speaker 1>them like thirty percent more likely to say yes to

0:20:36.880 --> 0:20:39.480
<v Speaker 1>your job. And that's a student loan forgiveness or some

0:20:39.520 --> 0:20:42.639
<v Speaker 1>sort of student loan program. Because more and more, you know,

0:20:43.800 --> 0:20:45.960
<v Speaker 1>like I couldn't believe when one of my mentees was

0:20:45.960 --> 0:20:47.960
<v Speaker 1>telling me her interest rate was like nine percent. I'm like,

0:20:48.000 --> 0:20:50.719
<v Speaker 1>on your student loan because mine is under three percent,

0:20:51.480 --> 0:20:53.840
<v Speaker 1>you know, And I'm like, what, it's just I remember

0:20:53.840 --> 0:20:55.760
<v Speaker 1>when we met somebody like the other night and his

0:20:56.000 --> 0:20:58.080
<v Speaker 1>was like two percent. I guess that's back when the

0:20:58.119 --> 0:21:01.320
<v Speaker 1>government actually wants you to pay them off. These days,

0:21:01.760 --> 0:21:02.359
<v Speaker 1>people who.

0:21:02.359 --> 0:21:05.240
<v Speaker 2>Took out loans like in the seven year period between

0:21:05.280 --> 0:21:08.600
<v Speaker 2>like two thousand and two thousand and seven ish, like they, yeah,

0:21:08.600 --> 0:21:11.600
<v Speaker 2>they can have eight and nine percent federal loans, they

0:21:11.640 --> 0:21:14.760
<v Speaker 2>need to refinance those asapp like, there's no need to

0:21:14.800 --> 0:21:16.080
<v Speaker 2>have a nine percent student loan.

0:21:16.880 --> 0:21:19.399
<v Speaker 1>A student loan, is that a house? Like is that

0:21:19.440 --> 0:21:22.119
<v Speaker 1>a car? Not? Even there are cars and homes that

0:21:22.200 --> 0:21:24.920
<v Speaker 1>have better interest rates because honestly, my interest right now

0:21:25.080 --> 0:21:27.119
<v Speaker 1>lestime I checked for a house was like four percent,

0:21:27.840 --> 0:21:31.080
<v Speaker 1>So yeah, yeah, that's true. They definitely need to refri

0:21:31.640 --> 0:21:33.359
<v Speaker 1>especially if you and if you have a federal not

0:21:33.520 --> 0:21:35.639
<v Speaker 1>if not if you have a federal loan, but you

0:21:35.680 --> 0:21:38.760
<v Speaker 1>need to refinance if you have a private loan because

0:21:38.760 --> 0:21:41.080
<v Speaker 1>typically those are the loans that are that high.

0:21:41.280 --> 0:21:43.680
<v Speaker 2>Yeah, that's the sucky thing about federal loans is even

0:21:43.760 --> 0:21:46.600
<v Speaker 2>you have the you have the Federal Loan Consolidation Program,

0:21:46.680 --> 0:21:49.439
<v Speaker 2>but it's which is basically it's kind of like a refi,

0:21:49.560 --> 0:21:54.000
<v Speaker 2>except they don't reduce your interest rate. And typically typically

0:21:54.119 --> 0:21:56.120
<v Speaker 2>like if you have if you have several student loans

0:21:56.160 --> 0:21:58.120
<v Speaker 2>taken out over the same period around the same time,

0:21:58.160 --> 0:22:02.040
<v Speaker 2>you probably have a similar student sorry, a similar interest rate,

0:22:02.080 --> 0:22:04.600
<v Speaker 2>and so they just average all your interest rates and

0:22:04.640 --> 0:22:07.720
<v Speaker 2>give you one new interest rate, which sucks, which is

0:22:07.760 --> 0:22:09.119
<v Speaker 2>the reason why I think a lot of people with

0:22:09.160 --> 0:22:11.840
<v Speaker 2>federal loans with those crazy high rates from the early

0:22:11.880 --> 0:22:16.679
<v Speaker 2>two thousands are like, well, I'm considering like refinancing with

0:22:16.720 --> 0:22:19.800
<v Speaker 2>a private lender like Sofi or lend key or whatever

0:22:20.040 --> 0:22:23.240
<v Speaker 2>because they can offer me a reduced interest rate. But yeah,

0:22:23.520 --> 0:22:25.439
<v Speaker 2>only do that if you're really sure that you're going

0:22:25.520 --> 0:22:28.640
<v Speaker 2>to be able to pay make your payments, because yeah,

0:22:28.880 --> 0:22:32.480
<v Speaker 2>you give up all your federal protections when you do that.

0:22:33.520 --> 0:22:35.720
<v Speaker 1>Yes, critical critic.

0:22:35.480 --> 0:22:44.920
<v Speaker 2>Cow, let's move on to brown boost and breaking.

0:22:46.040 --> 0:22:51.040
<v Speaker 1>Yeah, I know right, I'm gonna make my really simple

0:22:51.080 --> 0:22:53.040
<v Speaker 1>because I am ready to collapse. I'm going to take

0:22:53.080 --> 0:22:59.240
<v Speaker 1>a brown break from sickness because everyone is coffee. I

0:22:59.440 --> 0:23:02.920
<v Speaker 1>suspect it from my niece who was happily sneezing all

0:23:02.960 --> 0:23:05.720
<v Speaker 1>in my face the other day because babies think, I

0:23:05.760 --> 0:23:08.080
<v Speaker 1>guess sneezing is fun, and she was literally it was

0:23:08.119 --> 0:23:10.720
<v Speaker 1>like back to back stay, you know, I know. I

0:23:10.800 --> 0:23:12.639
<v Speaker 1>was like, yeah, I'm pretty sure this is this is

0:23:12.640 --> 0:23:16.360
<v Speaker 1>where I've I've gotten this, this death from Although I'm

0:23:16.359 --> 0:23:17.920
<v Speaker 1>sure she'll make it, I don't know if I will.

0:23:18.680 --> 0:23:20.800
<v Speaker 1>So yeah, I'm gonna take a bound boost, a brown

0:23:20.840 --> 0:23:24.199
<v Speaker 1>break from having to travel despite the fact of not

0:23:24.240 --> 0:23:26.359
<v Speaker 1>feeling well. I always hate that person on the plane

0:23:26.359 --> 0:23:29.439
<v Speaker 1>that's sneezing and coughing. I'm like, man, you should stayed home. Meanwhile,

0:23:29.480 --> 0:23:31.159
<v Speaker 1>you know the right mean, well, they probably have to

0:23:31.160 --> 0:23:34.040
<v Speaker 1>go somewhere, and now it's gonna be me, But I'm

0:23:34.040 --> 0:23:35.280
<v Speaker 1>gonna take Nike Will with me.

0:23:36.280 --> 0:23:38.240
<v Speaker 2>I feel for you because I love you and my friend,

0:23:38.280 --> 0:23:39.879
<v Speaker 2>but I am that person who's like, why did you

0:23:39.880 --> 0:23:40.560
<v Speaker 2>get on this plane?

0:23:40.880 --> 0:23:43.280
<v Speaker 1>Yeah, that is always me. I'm like, are you kidding me?

0:23:43.400 --> 0:23:44.639
<v Speaker 1>Especially they're behind you.

0:23:44.560 --> 0:23:46.600
<v Speaker 2>And how long? I wait, how many hours?

0:23:46.680 --> 0:23:49.199
<v Speaker 1>Oh my gosh. So it's like I have to go

0:23:49.200 --> 0:23:51.040
<v Speaker 1>to LA. So from Newark to LA it's like what

0:23:51.160 --> 0:23:55.520
<v Speaker 1>five hours or something, and then LA to Sydney, Australia

0:23:55.640 --> 0:23:58.200
<v Speaker 1>is like thirteen hours.

0:23:58.320 --> 0:23:59.400
<v Speaker 2>Yeah, just not.

0:23:59.400 --> 0:24:02.480
<v Speaker 1>Taking Yeah, I am gonna honestly, I'm gonna bring some

0:24:02.720 --> 0:24:05.280
<v Speaker 1>night quail pills with me. So I can't bring liquid

0:24:05.680 --> 0:24:08.040
<v Speaker 1>because there's no way because you know, like the plane,

0:24:08.040 --> 0:24:10.720
<v Speaker 1>it's already being on a plane is already like your

0:24:10.800 --> 0:24:14.159
<v Speaker 1>nasal cavity is already like funky let alone, like ma

0:24:14.280 --> 0:24:17.920
<v Speaker 1>feelin you out? It does. I honestly like bring a

0:24:17.960 --> 0:24:19.960
<v Speaker 1>little a little jar of bassoline with me when I

0:24:20.000 --> 0:24:21.680
<v Speaker 1>go on the plane, because it's not I come out

0:24:21.680 --> 0:24:23.919
<v Speaker 1>like an old woman, like I don't know, I'm like

0:24:23.960 --> 0:24:24.720
<v Speaker 1>Benjamin Button.

0:24:24.840 --> 0:24:27.840
<v Speaker 2>Yeah, yeah, you should bring a nice spring, a big scarf,

0:24:27.960 --> 0:24:32.040
<v Speaker 2>bring a blanket, get really comfortable. Bring uh yeah, bring

0:24:32.119 --> 0:24:34.920
<v Speaker 2>some vix or whatever. Maybe not vix. I'll stink the

0:24:34.920 --> 0:24:35.600
<v Speaker 2>whole place.

0:24:35.440 --> 0:24:37.159
<v Speaker 1>Up, I know, right, I don't be looking at me like,

0:24:37.200 --> 0:24:37.720
<v Speaker 1>I mean, are you.

0:24:39.200 --> 0:24:41.160
<v Speaker 2>Like that person and gets on the plane with fried chicken?

0:24:41.200 --> 0:24:42.560
<v Speaker 2>There's one on every plane I've been on.

0:24:42.920 --> 0:24:45.960
<v Speaker 1>Yes, really, I'm like, well, I've never seen that.

0:24:46.040 --> 0:24:47.560
<v Speaker 2>I do a lot of flying, you know, I do

0:24:47.640 --> 0:24:49.920
<v Speaker 2>a lot of flying to Charlotte, North Carolina now, and

0:24:49.960 --> 0:24:51.919
<v Speaker 2>there's a Chick fil A in that airport, and I

0:24:51.920 --> 0:24:54.120
<v Speaker 2>think a lot of people flying to New York get excited,

0:24:54.440 --> 0:24:56.360
<v Speaker 2>even though we have a couple of Chick fil as now,

0:24:56.480 --> 0:24:57.800
<v Speaker 2>and they go to Chick fil A and they get

0:24:57.800 --> 0:25:01.520
<v Speaker 2>on the plane with it, and I'm like, said, smells delicious.

0:25:02.000 --> 0:25:05.240
<v Speaker 1>Yeah, okay, Yeah, I definitely seen that plainnectiquette.

0:25:06.400 --> 0:25:08.879
<v Speaker 2>Well, then I have a break, but I'm going to

0:25:08.960 --> 0:25:10.679
<v Speaker 2>do a break for I'm going to do I need

0:25:10.720 --> 0:25:12.880
<v Speaker 2>to boost a flu shot because you need one of those,

0:25:13.040 --> 0:25:15.359
<v Speaker 2>and every one you get the flu shot, like maybe

0:25:15.359 --> 0:25:17.040
<v Speaker 2>there's a slim chance that you might get a little

0:25:17.040 --> 0:25:19.160
<v Speaker 2>bit sick after you get it, but there's it's almost

0:25:19.240 --> 0:25:20.840
<v Speaker 2>certain that you get the flu if you don't get it,

0:25:20.880 --> 0:25:26.960
<v Speaker 2>So it clearly seems like it's worth it just saying okay,

0:25:27.000 --> 0:25:29.280
<v Speaker 2>So my break was going to be I'm actually going

0:25:29.320 --> 0:25:31.359
<v Speaker 2>to tag team this break because I stole it from Twitter.

0:25:31.480 --> 0:25:33.280
<v Speaker 2>Someone tweeted at us, Oh, I need to get her

0:25:33.359 --> 0:25:37.560
<v Speaker 2>name real quick. Someone had tweeted that they wanted to

0:25:37.600 --> 0:25:41.280
<v Speaker 2>take a brown break from office potlucks, and I almost

0:25:41.320 --> 0:25:47.359
<v Speaker 2>did an amn sister friend in my office because I

0:25:47.400 --> 0:25:49.440
<v Speaker 2>know that you don't have like this whole you don't

0:25:49.480 --> 0:25:52.240
<v Speaker 2>have the office culture. But for those of us who do,

0:25:52.800 --> 0:25:55.119
<v Speaker 2>you know how awful it is when it's like, I

0:25:55.119 --> 0:25:58.520
<v Speaker 2>don't know, Thanksgiving office potlucks, Like people don't try that

0:25:58.680 --> 0:26:01.240
<v Speaker 2>hard when it's like an office potluck, and then you

0:26:01.280 --> 0:26:04.040
<v Speaker 2>got to sit there and drink and eat their dry

0:26:04.240 --> 0:26:08.120
<v Speaker 2>Thanksgiving turkey or they're like half ass apple pie and

0:26:08.160 --> 0:26:10.520
<v Speaker 2>like the it's really just like a brown break from

0:26:10.520 --> 0:26:16.280
<v Speaker 2>like forest office and interactions like forest office socialization, like

0:26:16.480 --> 0:26:20.760
<v Speaker 2>in the office during the workday. That is my brown break.

0:26:21.200 --> 0:26:25.240
<v Speaker 2>And I just feel like, why I don't think that

0:26:25.280 --> 0:26:27.680
<v Speaker 2>you have to necessarily is this? Do I sound like

0:26:27.720 --> 0:26:29.359
<v Speaker 2>really mean? And whatever? I don't care?

0:26:29.520 --> 0:26:31.399
<v Speaker 1>No, Like, why don't we never want to eat anybody

0:26:31.400 --> 0:26:34.479
<v Speaker 1>else's food. I don't know one brown person. They're always like,

0:26:34.720 --> 0:26:38.000
<v Speaker 1>who made that potato salad? Girl? Everybody you know this

0:26:38.119 --> 0:26:41.520
<v Speaker 1>is every every brown person's favorite thing. Everybody can't you

0:26:41.560 --> 0:26:43.040
<v Speaker 1>can't eat everybody's potato salad?

0:26:44.320 --> 0:26:46.760
<v Speaker 2>Like, no, that's salad. I mean you should be hesitant

0:26:46.840 --> 0:26:49.240
<v Speaker 2>because that is I could easily go the other way.

0:26:50.400 --> 0:26:53.840
<v Speaker 1>Yes, oh, just because people feel like everybody's dirty, Like

0:26:53.880 --> 0:26:55.959
<v Speaker 1>I don't know how you cook at Oh look how

0:26:56.000 --> 0:26:57.840
<v Speaker 1>you come to work. Oh that's true.

0:26:57.880 --> 0:26:59.360
<v Speaker 2>I didn't even think about the germs.

0:27:00.119 --> 0:27:02.720
<v Speaker 1>Yeah, I'm like, I'm always like who made this? Like

0:27:02.760 --> 0:27:05.560
<v Speaker 1>if I do eat someone's food, miss Mary? Oh, okay,

0:27:05.640 --> 0:27:07.760
<v Speaker 1>I like miss Mary, she's nice. I have for this.

0:27:09.400 --> 0:27:11.080
<v Speaker 2>Well, I'm going to be digging through a Twitter and

0:27:11.080 --> 0:27:12.760
<v Speaker 2>find out who it was that tweeted at us. But

0:27:12.880 --> 0:27:16.840
<v Speaker 2>I feel you, girl and Brown breaking from office pot looks. Yes,

0:27:16.960 --> 0:27:18.960
<v Speaker 2>Thanksgiving is just around the corner. I know they're going

0:27:19.040 --> 0:27:19.800
<v Speaker 2>to be coming for y'all.

0:27:21.280 --> 0:27:23.600
<v Speaker 1>Yeah, so I'm sure I'm thank Thank goodness. I don't

0:27:23.600 --> 0:27:25.440
<v Speaker 1>have to. I mean I do sometimes miss the interaction,

0:27:26.240 --> 0:27:27.720
<v Speaker 1>but we try to hang out as much as we

0:27:27.760 --> 0:27:31.240
<v Speaker 1>can on Slack. I love slack. Slack is bay. It's

0:27:31.359 --> 0:27:35.240
<v Speaker 1>like our online Slack is like for I guess, like

0:27:35.280 --> 0:27:36.720
<v Speaker 1>a messaging app for businesses.

0:27:37.280 --> 0:27:40.000
<v Speaker 2>Oh yeah, I think everyone must know what slack is.

0:27:40.040 --> 0:27:41.760
<v Speaker 2>I think I took a brown break from slack once.

0:27:44.680 --> 0:27:46.880
<v Speaker 1>Yeah, I can see that I have so many.

0:27:46.680 --> 0:27:49.800
<v Speaker 2>Slack channels now, you know, like I have three. I

0:27:49.800 --> 0:27:53.119
<v Speaker 2>think for work there's different like slack personalities because we

0:27:53.160 --> 0:27:55.280
<v Speaker 2>you know, we own by a different company than we

0:27:55.320 --> 0:27:57.760
<v Speaker 2>have our own Magnified Money slack. And then I have

0:27:57.840 --> 0:28:01.399
<v Speaker 2>my friend Slack, but I cannected it to my phone

0:28:01.720 --> 0:28:05.119
<v Speaker 2>and I can't. I need to figure out out. I

0:28:05.160 --> 0:28:07.640
<v Speaker 2>did find the setting though, where you can you can

0:28:07.680 --> 0:28:09.879
<v Speaker 2>tell it when not to alert you, like give it

0:28:09.960 --> 0:28:13.720
<v Speaker 2>hours between like eight pm and eight am. No slacking.

0:28:15.240 --> 0:28:17.640
<v Speaker 1>I have to say that that we slack pretty responsibly,

0:28:18.119 --> 0:28:21.000
<v Speaker 1>like you know, people don't they don't go too hard

0:28:21.000 --> 0:28:22.560
<v Speaker 1>and slack, you know, like other than like a few

0:28:22.800 --> 0:28:25.520
<v Speaker 1>questions here, they are clarity or something like that. What

0:28:25.600 --> 0:28:28.040
<v Speaker 1>I do enjoy is that we have a slack channel

0:28:28.040 --> 0:28:31.159
<v Speaker 1>called Giggles and Chatter for my team, where it's just

0:28:31.160 --> 0:28:34.040
<v Speaker 1>basically that's the that's the water cooler. So people will

0:28:34.119 --> 0:28:36.920
<v Speaker 1>just be like, oh, isn't this dress cute? Or like, chow,

0:28:37.760 --> 0:28:39.880
<v Speaker 1>somebody come get my daughter, look how she's dancing, and

0:28:40.000 --> 0:28:41.880
<v Speaker 1>or like you know, like so it's just fun. So

0:28:42.240 --> 0:28:44.200
<v Speaker 1>a lot of the slack messages honestly have nothing to

0:28:44.240 --> 0:28:46.120
<v Speaker 1>do with work. So it's just because we've got a lot.

0:28:46.160 --> 0:28:51.080
<v Speaker 1>Everybody's got this great, fun, crazy personality. So I enjoy

0:28:51.400 --> 0:28:53.239
<v Speaker 1>for the most part, when I get a notification, I

0:28:53.280 --> 0:28:55.120
<v Speaker 1>know a lot of times it's in giggles and Chatter

0:28:55.480 --> 0:28:59.400
<v Speaker 1>and then you know, I would say sixty to sixty

0:28:59.440 --> 0:29:01.480
<v Speaker 1>five percent giggles and chatter and then the rest like

0:29:01.560 --> 0:29:02.200
<v Speaker 1>actual work.

0:29:02.840 --> 0:29:05.320
<v Speaker 2>Yeah, do you get the A lot of people slack

0:29:05.400 --> 0:29:07.120
<v Speaker 2>me and then if I don't answer right away, get

0:29:07.160 --> 0:29:09.440
<v Speaker 2>the email. And if I don't answer right away, they

0:29:09.520 --> 0:29:11.520
<v Speaker 2>leave a comment. We work in Google Docs a lot,

0:29:11.560 --> 0:29:13.560
<v Speaker 2>so I'll get the comment in the dock that tags

0:29:13.560 --> 0:29:16.360
<v Speaker 2>me and I'm like, I'm cunning. I can't give me

0:29:16.400 --> 0:29:16.800
<v Speaker 2>a minute.

0:29:16.920 --> 0:29:21.520
<v Speaker 1>No, we don't, like honestly, and even with my team,

0:29:22.000 --> 0:29:24.800
<v Speaker 1>I send it to you cause I typically there's nothing

0:29:24.840 --> 0:29:27.240
<v Speaker 1>that's like that. The fire has to be put out

0:29:27.360 --> 0:29:30.200
<v Speaker 1>very rarely, you know, And so yeah, so even if

0:29:30.240 --> 0:29:33.400
<v Speaker 1>I send something, you know, I've learned, like for the

0:29:33.400 --> 0:29:36.160
<v Speaker 1>most part, that to do stuff and ahead of time.

0:29:36.200 --> 0:29:37.920
<v Speaker 1>Every once in a while, I'm like, oh, gosh, I

0:29:37.960 --> 0:29:40.640
<v Speaker 1>waited too long. I hope Taylor sees this. And so

0:29:40.760 --> 0:29:42.400
<v Speaker 1>I might slack and then I might text like hey,

0:29:42.400 --> 0:29:43.800
<v Speaker 1>tailor when you get a chance to go check your

0:29:43.800 --> 0:29:46.600
<v Speaker 1>slack just because it's like it's but I would say

0:29:47.080 --> 0:29:49.280
<v Speaker 1>that might happen five percent of the time that it's

0:29:49.280 --> 0:29:52.200
<v Speaker 1>something urgent where I have to hit you multiple times. Yeah.

0:29:52.240 --> 0:29:54.000
<v Speaker 1>So because sometimes I'll get a slack, like, you know,

0:29:54.120 --> 0:29:56.280
<v Speaker 1>like cause you know, I like a daily nap. Sometimes

0:29:56.280 --> 0:29:57.680
<v Speaker 1>you know, I'll get a slack from like, say my

0:29:57.680 --> 0:30:00.400
<v Speaker 1>admin like, hey, tipically there's an email they need your attention.

0:30:00.480 --> 0:30:04.920
<v Speaker 1>I'm like, after this nap, ain't nobody dying from financial advice? Oh?

0:30:05.560 --> 0:30:08.520
<v Speaker 2>I found that hold on I found that Twitter. Her

0:30:08.560 --> 0:30:10.880
<v Speaker 2>name is Cec. She says, my co workers are cool,

0:30:10.920 --> 0:30:14.080
<v Speaker 2>but being in an office means potlucks. Remember that episode

0:30:14.080 --> 0:30:16.640
<v Speaker 2>of Seinfeld when Elaine was sick of eating office cakes.

0:30:16.680 --> 0:30:18.680
<v Speaker 2>That's me. That's a good clip.

0:30:19.680 --> 0:30:31.160
<v Speaker 1>Cec after name. That's a nice, sassy name. Cec. All right,

0:30:31.280 --> 0:30:32.600
<v Speaker 1>do we have some good questions?

0:30:33.280 --> 0:30:35.000
<v Speaker 2>Yeah, we do, we have. We have a really good

0:30:35.080 --> 0:30:39.520
<v Speaker 2>question from listener. Ooh ooh, it's Jenny and it's not

0:30:39.560 --> 0:30:42.479
<v Speaker 2>her real name, so I can use it. Okay, Jenny says,

0:30:42.960 --> 0:30:46.800
<v Speaker 2>I love the show. YadA, YadA, YadA. You guys are awesome.

0:30:47.360 --> 0:30:50.440
<v Speaker 2>My question is should I apply for a second major

0:30:50.480 --> 0:30:53.680
<v Speaker 2>credit card or ask for an increase on the credit

0:30:53.800 --> 0:30:57.280
<v Speaker 2>limit for the one MasterCard credit card that I already own.

0:30:57.920 --> 0:31:00.200
<v Speaker 2>I used to have two major credit cards, but I

0:31:00.200 --> 0:31:02.920
<v Speaker 2>I let one get closed by the credit card company.

0:31:03.160 --> 0:31:05.760
<v Speaker 2>I know, I know because I never used it. I

0:31:05.800 --> 0:31:08.120
<v Speaker 2>now only have one major credit card, which I pay

0:31:08.120 --> 0:31:10.520
<v Speaker 2>the balance off in full each month. I never put

0:31:10.560 --> 0:31:12.400
<v Speaker 2>more than a few hundred dollars on it per month.

0:31:12.520 --> 0:31:14.320
<v Speaker 2>Even if I put more, I paid off in full.

0:31:14.760 --> 0:31:17.080
<v Speaker 2>The credit limit is seventeen thousand dollars, and I have

0:31:17.200 --> 0:31:19.680
<v Speaker 2>no plans to ever use even close to the limit

0:31:19.760 --> 0:31:21.760
<v Speaker 2>on the card, but I do want to look for

0:31:21.800 --> 0:31:24.160
<v Speaker 2>a way to raise my credit score. I think right

0:31:24.200 --> 0:31:27.440
<v Speaker 2>now it's in the mid seven hundreds. Well, having more

0:31:27.440 --> 0:31:31.400
<v Speaker 2>available credit by opening a new credit card help raise

0:31:31.400 --> 0:31:35.640
<v Speaker 2>my credit score? Help Jenny?

0:31:35.960 --> 0:31:41.640
<v Speaker 1>So a few bangs, Jenny, Jenny, So, Jenny, guess what movie?

0:31:41.840 --> 0:31:44.480
<v Speaker 1>Let's see? If you know it, it's like a box

0:31:44.520 --> 0:31:47.920
<v Speaker 1>of chocolates? Yeah, but what's it actually.

0:31:47.800 --> 0:31:50.000
<v Speaker 2>Before is gone? Come on? Yeah, come on.

0:31:50.120 --> 0:31:54.280
<v Speaker 1>I wasn't sure, so so Jenny. So first knowing that

0:31:54.320 --> 0:31:56.440
<v Speaker 1>if you're mid seven hundreds, I'm assuming seven to fifty

0:31:56.560 --> 0:32:00.600
<v Speaker 1>or better. Congratulations, Jenny, you already have perfect Thank you,

0:32:00.800 --> 0:32:05.000
<v Speaker 1>So thank you? Yes, right, because so many people are like,

0:32:05.080 --> 0:32:07.000
<v Speaker 1>I want eight hundred, I want eight to fifty, I

0:32:07.080 --> 0:32:09.480
<v Speaker 1>want a thirty, And I'm like, that's cute, But guess

0:32:09.520 --> 0:32:12.680
<v Speaker 1>what's also an A plus seven fifty? So once you

0:32:12.800 --> 0:32:14.960
<v Speaker 1>get to really seven fifty, I mean in eight hundred

0:32:15.080 --> 0:32:18.200
<v Speaker 1>is cute, but it's literally the same in the eyes

0:32:18.360 --> 0:32:22.560
<v Speaker 1>of a lender. So if you're already there, I wouldn't

0:32:22.560 --> 0:32:24.320
<v Speaker 1>I wouldn't do anything extra. Like if you need an

0:32:24.320 --> 0:32:26.320
<v Speaker 1>extra credit because you want to buy something you know,

0:32:26.480 --> 0:32:28.360
<v Speaker 1>or something like that, that's one thing. But if it's

0:32:28.400 --> 0:32:32.120
<v Speaker 1>because you're trying to raise past a seven fifty. There's

0:32:32.200 --> 0:32:34.240
<v Speaker 1>no need because you're not going to get a better

0:32:34.320 --> 0:32:36.520
<v Speaker 1>interest rate with the eight hundred, you know. I think

0:32:36.560 --> 0:32:38.880
<v Speaker 1>people think that, but you're just not because yeah, so

0:32:39.040 --> 0:32:42.040
<v Speaker 1>that's one. But maybe in general we can answer the

0:32:42.120 --> 0:32:44.760
<v Speaker 1>question for folks because Jenny, you're already there girl, wait

0:32:44.840 --> 0:32:47.040
<v Speaker 1>whoo who you have to finish line? But in general,

0:32:47.360 --> 0:32:49.920
<v Speaker 1>for folks who are trying to raise their credit score

0:32:50.040 --> 0:32:53.000
<v Speaker 1>by by increasing their credit limit, you think that's a

0:32:53.040 --> 0:32:53.920
<v Speaker 1>good idea of bad idea?

0:32:54.760 --> 0:32:56.880
<v Speaker 2>I think that, well, yes, the answer to her question

0:32:57.000 --> 0:33:00.240
<v Speaker 2>is yes, when you have more available credit limit does

0:33:00.360 --> 0:33:04.520
<v Speaker 2>help your score because it helps your utilization rate, it's

0:33:04.560 --> 0:33:07.240
<v Speaker 2>gonna be a lot harder for you to get over

0:33:07.320 --> 0:33:10.160
<v Speaker 2>your year. So basically, credit card companies or credit reporting

0:33:10.200 --> 0:33:13.240
<v Speaker 2>bureaus they want to see that you have self control

0:33:13.360 --> 0:33:14.920
<v Speaker 2>that you're not going to even if you have a

0:33:14.960 --> 0:33:17.680
<v Speaker 2>seventeen thousand dollars credit limit like Jenny, that you're not

0:33:17.760 --> 0:33:19.560
<v Speaker 2>going to max it out and use it all the time.

0:33:19.960 --> 0:33:23.320
<v Speaker 2>So ideally you want to keep your utilization rote sorry

0:33:23.440 --> 0:33:26.720
<v Speaker 2>rate below twenty percent, up to thirty percent, but twenty

0:33:26.760 --> 0:33:29.440
<v Speaker 2>percent to be safe, which is a lot harder to

0:33:29.520 --> 0:33:31.720
<v Speaker 2>do if you only have one small credit card and

0:33:32.480 --> 0:33:35.920
<v Speaker 2>you know it's five point dollars limit and you're constantly reaching,

0:33:36.160 --> 0:33:39.560
<v Speaker 2>you know, way over your twenty percent utilization rate. So

0:33:39.680 --> 0:33:42.440
<v Speaker 2>that's why it can be good to have higher available

0:33:42.480 --> 0:33:45.840
<v Speaker 2>limits credit cards with a total available limit that's higher.

0:33:46.920 --> 0:33:49.480
<v Speaker 2>But I wouldn't like open a credit card just to

0:33:49.600 --> 0:33:54.080
<v Speaker 2>get that additional space, just to get that additional credit limit,

0:33:54.760 --> 0:33:57.520
<v Speaker 2>unless I think, I mean, if you're really responsible with

0:33:57.600 --> 0:34:01.720
<v Speaker 2>your credit and maybe you find really amazing rewards card

0:34:01.840 --> 0:34:03.640
<v Speaker 2>that you know you're gonna be it's going to be

0:34:03.680 --> 0:34:06.000
<v Speaker 2>a beneficial to you, and it makes sense for you

0:34:06.080 --> 0:34:08.640
<v Speaker 2>to have that card and you get additional benefits besides

0:34:08.760 --> 0:34:11.680
<v Speaker 2>it also contributing to your available limit, then yeah, I

0:34:11.760 --> 0:34:14.680
<v Speaker 2>mean open up that credit card. But I don't know

0:34:14.760 --> 0:34:16.680
<v Speaker 2>if it's worse. I don't think it's like a good

0:34:16.719 --> 0:34:18.719
<v Speaker 2>idea just to open up a new credit card because

0:34:18.760 --> 0:34:21.680
<v Speaker 2>you want more limit if you don't already know that,

0:34:21.840 --> 0:34:24.080
<v Speaker 2>like I can pay this down and I'm not going

0:34:24.120 --> 0:34:26.000
<v Speaker 2>to abuse it and I'm not just gonna get more

0:34:26.000 --> 0:34:27.280
<v Speaker 2>and more into.

0:34:27.120 --> 0:34:32.560
<v Speaker 1>Debt exactly, And it's like, yeah, I agree honestly that

0:34:33.200 --> 0:34:36.600
<v Speaker 1>you it does work, but it only if you're not

0:34:36.719 --> 0:34:40.480
<v Speaker 1>actually going to be using that credit card and kind

0:34:40.480 --> 0:34:42.640
<v Speaker 1>of like abusing it, which so many folks do. Is

0:34:42.880 --> 0:34:44.879
<v Speaker 1>people ask me all the time, Like a brand asked

0:34:44.920 --> 0:34:47.479
<v Speaker 1>me the other day if I would like push credit cards,

0:34:47.520 --> 0:34:48.920
<v Speaker 1>and I was like, girl, you asked me this like

0:34:49.000 --> 0:34:51.600
<v Speaker 1>every week. The answer is en, start with the N,

0:34:52.120 --> 0:34:55.600
<v Speaker 1>end with the oh. Although the one type of credit

0:34:55.640 --> 0:34:57.960
<v Speaker 1>card that I do sometimes suggest it's a secure card,

0:34:58.280 --> 0:35:00.319
<v Speaker 1>you know, to help build your credit score, that it's

0:35:00.360 --> 0:35:02.840
<v Speaker 1>something different. But as far as like, because I'm like,

0:35:02.880 --> 0:35:06.040
<v Speaker 1>I don't think credit cards are the devil, but most

0:35:06.200 --> 0:35:09.520
<v Speaker 1>people have a hard time managing with credit cards. So

0:35:09.600 --> 0:35:11.800
<v Speaker 1>I don't want to be responsible for saying, hey, this

0:35:11.880 --> 0:35:13.160
<v Speaker 1>is a great credit card and then you you know,

0:35:13.239 --> 0:35:16.160
<v Speaker 1>you mess your yourself up by getting one. You know,

0:35:16.280 --> 0:35:18.200
<v Speaker 1>travel cards are awesome. You see me and Mandy we

0:35:18.280 --> 0:35:21.800
<v Speaker 1>have that al Venture card, our metacard looking all fancy

0:35:21.800 --> 0:35:25.920
<v Speaker 1>when we go places. But you know, like that's not

0:35:26.040 --> 0:35:27.560
<v Speaker 1>something that we're like, go get it, go get it,

0:35:27.600 --> 0:35:30.120
<v Speaker 1>go get it, because it's so easy to slip down

0:35:30.160 --> 0:35:32.880
<v Speaker 1>the black hole of swipe swipe, swipe and paying your

0:35:32.920 --> 0:35:34.320
<v Speaker 1>minimum and then owing forever.

0:35:34.880 --> 0:35:37.600
<v Speaker 2>Yep, I went through, but I did do this. When

0:35:37.600 --> 0:35:39.279
<v Speaker 2>I was in college, I got like, my first credit

0:35:39.360 --> 0:35:42.040
<v Speaker 2>card was a three hundred dollars Bank of America student

0:35:42.080 --> 0:35:44.360
<v Speaker 2>credit card, and I just wasn't cutting it for me

0:35:44.440 --> 0:35:46.000
<v Speaker 2>when I was in When I was out in the

0:35:46.080 --> 0:35:48.320
<v Speaker 2>real world and I wanted to build credit, so I

0:35:48.440 --> 0:35:51.560
<v Speaker 2>did I did. I think my first step was to

0:35:51.840 --> 0:35:55.440
<v Speaker 2>ask them for a credit limit increase, which I you know,

0:35:55.640 --> 0:35:57.879
<v Speaker 2>wasn't the smartest thing because there was a ton better

0:35:58.360 --> 0:36:00.600
<v Speaker 2>credit cards. I could have applied for it out there,

0:36:00.640 --> 0:36:02.800
<v Speaker 2>but I didn't know any better. But that's how I started.

0:36:02.840 --> 0:36:05.680
<v Speaker 2>I asked for a credit limit increase, which was a

0:36:05.760 --> 0:36:08.320
<v Speaker 2>hard inquiry on my credit report, but did get me

0:36:08.400 --> 0:36:10.480
<v Speaker 2>more available balance. That's one of the ways to go

0:36:10.560 --> 0:36:10.880
<v Speaker 2>about it.

0:36:12.360 --> 0:36:15.799
<v Speaker 1>Yeah, any other great questions you We.

0:36:15.840 --> 0:36:19.839
<v Speaker 2>Have another credit question, we can call her Tanya. She says,

0:36:19.880 --> 0:36:24.040
<v Speaker 2>Hey Tanya, Hey Kanya. Tanya says, my question is my

0:36:24.200 --> 0:36:26.480
<v Speaker 2>husband and I are currently saving for a down payment

0:36:26.600 --> 0:36:28.960
<v Speaker 2>for a new home. We're planning to move this spring

0:36:29.080 --> 0:36:32.240
<v Speaker 2>twenty eighteen. I've been checking my credit on credit Karma

0:36:32.320 --> 0:36:35.040
<v Speaker 2>for a few months and it's in the six ninety area.

0:36:35.800 --> 0:36:38.320
<v Speaker 2>One thing that is showing as negative to my score

0:36:38.560 --> 0:36:40.719
<v Speaker 2>is the number of open credit card accounts that I have.

0:36:41.320 --> 0:36:43.560
<v Speaker 2>I have a paid off car, it's been paid off

0:36:43.560 --> 0:36:47.000
<v Speaker 2>for three years, two credit cards, and one student loan.

0:36:47.440 --> 0:36:49.640
<v Speaker 2>So because I don't have at least seven to ten

0:36:50.160 --> 0:36:54.399
<v Speaker 2>open credit lines credit cards is my credit score won't move?

0:36:54.480 --> 0:36:57.560
<v Speaker 2>So these are all closed. These are all old credit accounts.

0:36:57.600 --> 0:36:59.799
<v Speaker 2>So like two credit cards that are ten years old

0:36:59.840 --> 0:37:02.040
<v Speaker 2>and one student loan she says is twelve years old,

0:37:02.120 --> 0:37:05.200
<v Speaker 2>and then a paid off car. She says, do you

0:37:05.280 --> 0:37:08.279
<v Speaker 2>suggest that I open a couple of the recommended credit

0:37:08.360 --> 0:37:11.640
<v Speaker 2>cards on credit Karma to boost my score or will

0:37:11.680 --> 0:37:14.400
<v Speaker 2>doing this lower my score? Because I'm applying for more credit.

0:37:14.760 --> 0:37:17.239
<v Speaker 2>My ultimate goal is to have the highest possible credit

0:37:17.280 --> 0:37:19.759
<v Speaker 2>score so we can get the lowest possible rate for

0:37:19.960 --> 0:37:25.399
<v Speaker 2>home loan this spring. I know the tricky time before

0:37:25.480 --> 0:37:27.800
<v Speaker 2>you're buying a house to be able to get credits.

0:37:28.800 --> 0:37:33.120
<v Speaker 1>So first let's whenever someone tells you something, I want

0:37:33.160 --> 0:37:35.160
<v Speaker 1>you first to look at the messenger and say, what

0:37:35.320 --> 0:37:38.759
<v Speaker 1>is your motivation? Messenger? So I mean no shade to

0:37:38.800 --> 0:37:41.920
<v Speaker 1>credit Karma because their business, But credit Karma gives you

0:37:42.120 --> 0:37:45.279
<v Speaker 1>a free credit score. How do you think Credit Karma

0:37:45.400 --> 0:37:49.720
<v Speaker 1>makes their money by you opening up credit cards. Here's

0:37:49.800 --> 0:37:52.919
<v Speaker 1>a dirk little secret that I'm sure some financial folks

0:37:53.000 --> 0:37:56.120
<v Speaker 1>listening might be like, no, don't tell them. So a

0:37:56.200 --> 0:37:58.719
<v Speaker 1>lot of these brands, because brands have approached me. This

0:37:58.880 --> 0:38:02.600
<v Speaker 1>is how I know to say, hatiffity, if you have

0:38:02.800 --> 0:38:04.840
<v Speaker 1>people sign up for credit card, we'll give you a

0:38:04.920 --> 0:38:07.360
<v Speaker 1>special budget Nissa link to have people sign up for

0:38:07.520 --> 0:38:10.080
<v Speaker 1>xy Z credit card, and we'll give you I've been

0:38:10.160 --> 0:38:12.480
<v Speaker 1>offered up to two hundred, two hundred and fifty dollars

0:38:12.800 --> 0:38:15.520
<v Speaker 1>per person. Can you imagine for you to sign up

0:38:15.520 --> 0:38:17.879
<v Speaker 1>for a credit card? And I said no because to see,

0:38:17.920 --> 0:38:20.680
<v Speaker 1>I love y'all, because I'm like, uh, I'd rather kind

0:38:20.680 --> 0:38:22.520
<v Speaker 1>of get into the gates of heaven one day. So

0:38:22.640 --> 0:38:26.520
<v Speaker 1>the answer is no, Like, there's gotta be another way

0:38:26.760 --> 0:38:29.640
<v Speaker 1>without selling y'all souls to the devil. So you know,

0:38:29.840 --> 0:38:31.640
<v Speaker 1>but and I'm not saying the credit card is the devil,

0:38:31.719 --> 0:38:35.280
<v Speaker 1>but just know that oftentimes you're gonna get a solution

0:38:35.480 --> 0:38:38.120
<v Speaker 1>on sites like that that say get a credit card,

0:38:38.760 --> 0:38:42.359
<v Speaker 1>not necessarily because it benefits you, but because that's how

0:38:42.400 --> 0:38:44.880
<v Speaker 1>they pay their bills. Because if I'm getting offered one

0:38:44.960 --> 0:38:47.120
<v Speaker 1>hundred and fifty to two hundred something dollars. I can

0:38:47.160 --> 0:38:49.759
<v Speaker 1>only imagine what they get, So just be mindful. It

0:38:49.800 --> 0:38:51.880
<v Speaker 1>doesn't mean that getting a credit card is bad. It

0:38:52.080 --> 0:38:54.680
<v Speaker 1>just means that you want to be discerning on who's

0:38:54.719 --> 0:38:59.959
<v Speaker 1>giving that the advice. So putting that to the side,

0:39:00.200 --> 0:39:02.319
<v Speaker 1>like you don't need to open two or three credit cards,

0:39:02.560 --> 0:39:04.520
<v Speaker 1>that just doesn't you don't. But it doesn't mean that

0:39:04.680 --> 0:39:07.160
<v Speaker 1>opening up a credit card. I mean, if you're going

0:39:07.239 --> 0:39:08.600
<v Speaker 1>to get a house, she should not be opening up

0:39:08.600 --> 0:39:11.040
<v Speaker 1>a credit card with six months to like six to

0:39:11.080 --> 0:39:13.080
<v Speaker 1>eight months. Really, I would say a year before getting

0:39:13.080 --> 0:39:16.200
<v Speaker 1>a house, because you don't want to ding right before

0:39:16.440 --> 0:39:18.480
<v Speaker 1>you know you're getting a house, because there are other ways.

0:39:18.520 --> 0:39:19.600
<v Speaker 1>Do you have does she say she does she have

0:39:19.640 --> 0:39:20.839
<v Speaker 1>any credit cards at all? Right now?

0:39:21.400 --> 0:39:25.280
<v Speaker 2>She says she has a paid off car two credit

0:39:25.400 --> 0:39:28.160
<v Speaker 2>cards that it seems like from her She says two

0:39:28.200 --> 0:39:30.399
<v Speaker 2>credit cards, and then in parentheses it says ten years,

0:39:30.719 --> 0:39:33.279
<v Speaker 2>which I think might mean that they're ten years old

0:39:33.360 --> 0:39:37.480
<v Speaker 2>and they're no longer active. Okay, but like, how is

0:39:37.520 --> 0:39:38.920
<v Speaker 2>a credit card no longer active?

0:39:40.360 --> 0:39:43.440
<v Speaker 1>I unless they're closed, if that's what you're saying. If

0:39:43.480 --> 0:39:44.480
<v Speaker 1>these two cards are safe.

0:39:44.640 --> 0:39:46.279
<v Speaker 2>She doesn't say if they're closed, but if they're open,

0:39:46.400 --> 0:39:48.120
<v Speaker 2>she should be able to just use them.

0:39:48.880 --> 0:39:51.000
<v Speaker 1>Yes, I would go ahead, girl. You know what you

0:39:51.120 --> 0:39:54.160
<v Speaker 1>do if if those two cards are open, look at

0:39:54.200 --> 0:39:57.439
<v Speaker 1>your cheapest bills like Netflix and like maybe the gym,

0:39:57.760 --> 0:39:59.640
<v Speaker 1>have them charge those two cards and pay them off

0:39:59.680 --> 0:40:01.799
<v Speaker 1>in full every month. Paying off your debt in full

0:40:01.800 --> 0:40:03.319
<v Speaker 1>every month is going to do more for you than

0:40:03.360 --> 0:40:05.800
<v Speaker 1>opening up a new card, you know. So that's what

0:40:05.840 --> 0:40:08.319
<v Speaker 1>I would suggest. And if you have no credit cards

0:40:08.360 --> 0:40:10.520
<v Speaker 1>at all that are open, then you might want to

0:40:10.600 --> 0:40:12.800
<v Speaker 1>consider getting a card and just paying it off in

0:40:12.840 --> 0:40:16.480
<v Speaker 1>full every month. But if you have cards, just charge

0:40:16.480 --> 0:40:18.920
<v Speaker 1>a little nominal something under twenty bucks, pay it off

0:40:18.960 --> 0:40:21.000
<v Speaker 1>in full every month, and you should start to see

0:40:21.080 --> 0:40:23.160
<v Speaker 1>your credit score go up. Depending on the other things

0:40:23.200 --> 0:40:25.160
<v Speaker 1>that you have going on, The two things that make

0:40:25.200 --> 0:40:28.800
<v Speaker 1>the most difference in your credit score are utilization, like

0:40:28.880 --> 0:40:32.920
<v Speaker 1>Mandy talked about, meaning of your limit. How close to

0:40:32.960 --> 0:40:34.719
<v Speaker 1>your limit are you? How close is your balance to

0:40:34.760 --> 0:40:36.920
<v Speaker 1>your limit? You really want if you're going to get

0:40:36.920 --> 0:40:40.440
<v Speaker 1>a house, for your balance to be like ten, no

0:40:40.520 --> 0:40:43.239
<v Speaker 1>more than ten to fifteen percent of what your limit is, right,

0:40:43.520 --> 0:40:46.000
<v Speaker 1>So that's thirty percent and thirty five percent of your

0:40:46.080 --> 0:40:50.520
<v Speaker 1>credit score is your payment history, meaning do you make

0:40:50.600 --> 0:40:52.640
<v Speaker 1>on time payments do you pay off in full? So

0:40:52.760 --> 0:40:54.880
<v Speaker 1>those two things together are going to make the most difference.

0:40:55.160 --> 0:40:57.880
<v Speaker 1>So keep your limits low. It's even better if you

0:40:57.920 --> 0:41:00.719
<v Speaker 1>can keep them to zero and pay and then make

0:41:00.880 --> 0:41:03.320
<v Speaker 1>regular on time payments and don't be late and ideally

0:41:03.360 --> 0:41:05.360
<v Speaker 1>pay things off in full. Especially if you could do

0:41:05.400 --> 0:41:07.440
<v Speaker 1>that every month, that's going to make the biggest difference.

0:41:08.040 --> 0:41:10.000
<v Speaker 2>Yeah, and you're right. I mean, I've talked to a

0:41:10.040 --> 0:41:13.000
<v Speaker 2>lot of loan officers who say the six months before

0:41:13.040 --> 0:41:14.719
<v Speaker 2>you get a loan, and even up to a year,

0:41:14.760 --> 0:41:16.400
<v Speaker 2>that's a crucial time. You do not want to be

0:41:16.440 --> 0:41:18.399
<v Speaker 2>fiddling with anything. You don't want to move money around.

0:41:18.440 --> 0:41:20.480
<v Speaker 2>You don't want to open new lines of credit. You

0:41:20.520 --> 0:41:22.439
<v Speaker 2>don't want to you don't want to give the lender

0:41:22.520 --> 0:41:27.440
<v Speaker 2>any reason to throw off the underwriting process to say

0:41:27.520 --> 0:41:29.520
<v Speaker 2>that you may not you may be a risky or borrower,

0:41:30.320 --> 0:41:32.399
<v Speaker 2>which is what all that credit card activity could tell them.

0:41:33.120 --> 0:41:35.439
<v Speaker 2>But yeah, just doing normal things like making your normal

0:41:35.480 --> 0:41:37.480
<v Speaker 2>purchases on a credit card or two and then paying

0:41:37.480 --> 0:41:39.880
<v Speaker 2>them off on full, that's probably the best. That's probably

0:41:39.880 --> 0:41:42.439
<v Speaker 2>the best plan. And one of the things that struck

0:41:42.520 --> 0:41:45.080
<v Speaker 2>me about her question is she says, So because I

0:41:45.160 --> 0:41:47.359
<v Speaker 2>don't have at least seven to ten open credit lines,

0:41:47.400 --> 0:41:49.960
<v Speaker 2>my score won't move. Credit Karma says, and I think

0:41:50.000 --> 0:41:52.680
<v Speaker 2>that like people may be reading to literally the Credit

0:41:52.800 --> 0:41:56.319
<v Speaker 2>Karma like, you know, they give you like an assessment like, yeah,

0:41:56.440 --> 0:41:59.000
<v Speaker 2>here's what why your score might be in this range.

0:41:59.040 --> 0:42:01.480
<v Speaker 2>You know you don't have into ten open credit lines,

0:42:01.560 --> 0:42:04.440
<v Speaker 2>like Credit Karma is basing this on like their out

0:42:04.719 --> 0:42:07.200
<v Speaker 2>their like take on what goes into the FCO score.

0:42:07.280 --> 0:42:09.800
<v Speaker 2>But you're not really getting a FIGHTO score from Credit Karma.

0:42:11.360 --> 0:42:13.480
<v Speaker 2>I would say, if you really want to get a

0:42:13.640 --> 0:42:16.160
<v Speaker 2>FICO score the best estimate of where you're going to

0:42:16.200 --> 0:42:18.359
<v Speaker 2>be at, because that's what mortgage lenders are looking at

0:42:18.440 --> 0:42:21.799
<v Speaker 2>today FIGHTO scores, then you should go to a free

0:42:21.840 --> 0:42:24.000
<v Speaker 2>credit score that will actually give you a FIGHTO score.

0:42:24.760 --> 0:42:26.439
<v Speaker 2>You can get those through some A lot of credit

0:42:26.520 --> 0:42:29.439
<v Speaker 2>cards offer free FIGHTO scores now, but if you don't,

0:42:29.520 --> 0:42:31.120
<v Speaker 2>you can always you don't have a credit card that

0:42:31.200 --> 0:42:34.120
<v Speaker 2>offers that, you can always use the Discover scorecard, which

0:42:34.239 --> 0:42:37.000
<v Speaker 2>is free. Just Google Discover scorecard. You can get a

0:42:37.040 --> 0:42:39.440
<v Speaker 2>free fight Go And I think that's a better and

0:42:39.560 --> 0:42:42.359
<v Speaker 2>my free FIGHTO is always a little bit lower than

0:42:42.440 --> 0:42:46.120
<v Speaker 2>my Credit Karma credit score I've noticed, and that's because

0:42:46.120 --> 0:42:49.120
<v Speaker 2>it's it's a different scoring model. And one thing that

0:42:49.200 --> 0:42:52.080
<v Speaker 2>I've also learned is that even the free Fighto scores,

0:42:52.160 --> 0:42:54.000
<v Speaker 2>so I'm not sure, hold on, I'm going to go

0:42:54.080 --> 0:42:57.160
<v Speaker 2>to We worked really hard on a magnified money. We

0:42:57.520 --> 0:42:59.640
<v Speaker 2>worked really hard on a guide to where you can

0:42:59.640 --> 0:43:02.600
<v Speaker 2>get your free FCO score and your free credit score, because,

0:43:02.680 --> 0:43:04.520
<v Speaker 2>like I said, a lot of these free credit scores,

0:43:04.960 --> 0:43:06.960
<v Speaker 2>they may not even be a real Fighto. And not

0:43:07.080 --> 0:43:09.279
<v Speaker 2>only that, they may be giving you a credit score

0:43:09.440 --> 0:43:13.000
<v Speaker 2>estimate quote unquote like based on some information from one

0:43:13.160 --> 0:43:16.360
<v Speaker 2>of the credit bureaus, not from all three. And it

0:43:17.120 --> 0:43:20.120
<v Speaker 2>makes things complicated because some lenders, like so Bank of

0:43:20.200 --> 0:43:23.080
<v Speaker 2>America may may you know, you may apply for a

0:43:23.160 --> 0:43:25.320
<v Speaker 2>mortgage lens a Bank of America. They're going to have

0:43:25.480 --> 0:43:29.880
<v Speaker 2>their own mortgage underwriting scoring system. It's going to be

0:43:30.280 --> 0:43:33.120
<v Speaker 2>slightly different than whatever you see online. So these are

0:43:33.160 --> 0:43:35.000
<v Speaker 2>really just tools meant to give you an idea of

0:43:35.000 --> 0:43:37.960
<v Speaker 2>where you're at, Like you shouldn't take them so literally

0:43:38.040 --> 0:43:41.080
<v Speaker 2>at face value. When Bank of America or Bank ABC

0:43:41.280 --> 0:43:43.000
<v Speaker 2>or whatever runs your credit, they're going to give you

0:43:43.040 --> 0:43:44.880
<v Speaker 2>a whole they're going to give you a different score

0:43:45.040 --> 0:43:48.000
<v Speaker 2>just because that's the way it is. And these of course,

0:43:48.040 --> 0:43:50.080
<v Speaker 2>these banks are not going to tell us exactly what

0:43:50.239 --> 0:43:53.080
<v Speaker 2>their you know, credit scoring models are like, because those

0:43:53.120 --> 0:43:56.359
<v Speaker 2>are like closely held secrets and whatnot. But if you're

0:43:56.360 --> 0:43:58.080
<v Speaker 2>going to get anesement online, you should at least make

0:43:58.120 --> 0:43:59.920
<v Speaker 2>sure you're getting the best one. And I think right now,

0:44:00.600 --> 0:44:02.840
<v Speaker 2>like for in terms of like free available to everybody

0:44:02.920 --> 0:44:05.160
<v Speaker 2>that discovers scorecards, I agree.

0:44:05.600 --> 0:44:10.200
<v Speaker 1>But because when I so I had my score recently

0:44:10.239 --> 0:44:12.640
<v Speaker 1>pulled for from the actual bank because I was when

0:44:12.719 --> 0:44:15.040
<v Speaker 1>a superman and I were looking for homes, I said, well,

0:44:15.120 --> 0:44:17.560
<v Speaker 1>let me see what my score is officially, and so

0:44:18.360 --> 0:44:20.600
<v Speaker 1>I'd gone on some of the free sites. I couldn't

0:44:20.640 --> 0:44:23.279
<v Speaker 1>understand why I couldn't move past like like it was

0:44:23.360 --> 0:44:26.080
<v Speaker 1>like seven thirty. I'm like, what, I that doesn't seem right,

0:44:26.320 --> 0:44:28.360
<v Speaker 1>And Discover Scorecard told me I had I had an

0:44:28.360 --> 0:44:31.239
<v Speaker 1>eight oh two, and I was like, that sounds more

0:44:31.440 --> 0:44:35.160
<v Speaker 1>like it. Then it so one M and T Bank

0:44:35.320 --> 0:44:37.800
<v Speaker 1>pulled my credit score. That's exactly what it was. So

0:44:37.920 --> 0:44:40.239
<v Speaker 1>I had arranged I think the lowest My lowest was

0:44:40.280 --> 0:44:42.719
<v Speaker 1>a seven eighty. Then I had like a I don't know,

0:44:42.880 --> 0:44:45.080
<v Speaker 1>maybe like a seven ninety something whatever and then a

0:44:45.160 --> 0:44:48.239
<v Speaker 1>eight oh two, and so I said, okay, so that

0:44:48.640 --> 0:44:51.319
<v Speaker 1>was this Discover was the only one that was I mean,

0:44:51.400 --> 0:44:53.520
<v Speaker 1>it was literally the exact same one. So I was like, wow,

0:44:53.920 --> 0:44:57.080
<v Speaker 1>this is literally the most accurate. So yeah, just be

0:44:57.200 --> 0:44:59.440
<v Speaker 1>mindful of that, I mean, and not just seeing some

0:44:59.520 --> 0:45:02.400
<v Speaker 1>of these free credit score sites, because what I do

0:45:02.600 --> 0:45:05.839
<v Speaker 1>like about them is that in Layman's terms, they break

0:45:05.920 --> 0:45:11.680
<v Speaker 1>down the why. Excuse me, let's here, so thank you.

0:45:11.840 --> 0:45:13.600
<v Speaker 1>So in Layman's terms, they break down the why. So

0:45:13.640 --> 0:45:16.320
<v Speaker 1>I really appreciate those sites for the like, oh this,

0:45:16.480 --> 0:45:20.239
<v Speaker 1>I'm understanding why I got to this number. So it's

0:45:20.280 --> 0:45:22.640
<v Speaker 1>not to, you know, to knock them down, but it's

0:45:22.800 --> 0:45:24.960
<v Speaker 1>just that if you're looking, nobody gives you a more

0:45:25.000 --> 0:45:28.880
<v Speaker 1>accurate score than the financial institution that you actually want

0:45:28.920 --> 0:45:30.479
<v Speaker 1>to get the house from with a card from or whatever,

0:45:31.080 --> 0:45:33.360
<v Speaker 1>you know. But like like Mandy said, definitely does Discovery.

0:45:33.400 --> 0:45:35.440
<v Speaker 1>I know for a fact, because that's the one I use.

0:45:35.480 --> 0:45:37.760
<v Speaker 1>And I was like pleasantly surprised how they were basically

0:45:38.080 --> 0:45:38.680
<v Speaker 1>right on point.

0:45:39.480 --> 0:45:41.239
<v Speaker 2>That's the best free one. And just one more thing

0:45:41.280 --> 0:45:43.600
<v Speaker 2>about and this is just gonna make people probably even

0:45:43.640 --> 0:45:47.040
<v Speaker 2>more upset. But Credit Karma I just confirmed and I'm

0:45:47.040 --> 0:45:48.839
<v Speaker 2>gonna I'm gonna post the link to this Minifi money

0:45:48.880 --> 0:45:50.960
<v Speaker 2>credit score guide. Credit Karma is giving you and so

0:45:51.120 --> 0:45:53.600
<v Speaker 2>is Credits has to means those credit Wise and even

0:45:53.680 --> 0:45:55.640
<v Speaker 2>lending Tree and my bank Rate and all those free

0:45:55.680 --> 0:45:59.200
<v Speaker 2>credit scores, nerd Wallet, Quizzle and on and on. They're

0:45:59.200 --> 0:46:02.080
<v Speaker 2>giving you advance a score under the Vantage score model.

0:46:02.400 --> 0:46:04.720
<v Speaker 2>And the Vantage score is a new credit model different

0:46:04.760 --> 0:46:08.400
<v Speaker 2>than FCO and it's catching on. But across the board

0:46:08.920 --> 0:46:11.840
<v Speaker 2>mortgage lenders, mortgage lenders are using the old FIGHTO score.

0:46:12.360 --> 0:46:14.560
<v Speaker 2>So that's why your Credit Karma score is going to

0:46:14.600 --> 0:46:18.320
<v Speaker 2>be different than like any FIGHTO score that like a

0:46:18.360 --> 0:46:21.839
<v Speaker 2>true FYCO score estimate and the best option, honestly, if

0:46:21.880 --> 0:46:24.239
<v Speaker 2>you really want to see your FIGHTO score and get

0:46:24.239 --> 0:46:26.560
<v Speaker 2>a good idea of what the lenders we'll see is

0:46:26.760 --> 0:46:29.040
<v Speaker 2>you're going to have to pay for it from my FCO.

0:46:29.800 --> 0:46:32.320
<v Speaker 2>And they charge fifty nine dollars fifty nine something for

0:46:33.200 --> 0:46:35.600
<v Speaker 2>a FIGHTO score and they use an older FIGHTO score

0:46:35.680 --> 0:46:38.359
<v Speaker 2>model two four and five. That's how that's how far

0:46:38.480 --> 0:46:40.960
<v Speaker 2>behind the mortgage industry is, like they're still using FICO

0:46:41.040 --> 0:46:44.920
<v Speaker 2>two four and five, and right now in modern America

0:46:45.160 --> 0:46:47.920
<v Speaker 2>there are Fighto scores eight and nine. But the mortgage

0:46:47.920 --> 0:46:50.200
<v Speaker 2>industry is just so slow, like they're still using the

0:46:50.280 --> 0:46:52.280
<v Speaker 2>older models, and a lot of these like new fangled

0:46:52.320 --> 0:46:55.600
<v Speaker 2>credit score estimate sites are using newer ones vantage scores,

0:46:56.080 --> 0:46:59.400
<v Speaker 2>newer FICO scores. I think that's why some people are

0:46:59.600 --> 0:47:02.840
<v Speaker 2>probably confused that their scores may be like different across

0:47:02.880 --> 0:47:03.279
<v Speaker 2>all of them.

0:47:04.760 --> 0:47:08.239
<v Speaker 1>Yeah, yeah, so now you know no one has half

0:47:08.320 --> 0:47:08.720
<v Speaker 1>the battle.

0:47:09.040 --> 0:47:10.759
<v Speaker 2>Good question, and I will. I'm going to post this

0:47:11.280 --> 0:47:14.359
<v Speaker 2>post this guide on on the show notes. So if

0:47:14.360 --> 0:47:16.960
<v Speaker 2>you look into iTunes or even on brand Ambition podcast

0:47:17.040 --> 0:47:18.959
<v Speaker 2>dot com, look for a link to the free credit

0:47:19.000 --> 0:47:19.520
<v Speaker 2>score guide.

0:47:21.840 --> 0:47:26.080
<v Speaker 1>Look at you, just a barrel of resources. We were

0:47:26.320 --> 0:47:29.920
<v Speaker 1>so hard like y'all don't get this.

0:47:30.080 --> 0:47:33.839
<v Speaker 2>Y'all are gonna breathe this resource, this free gift from

0:47:33.920 --> 0:47:37.200
<v Speaker 2>me to you. Shout out to Ali, our intern who

0:47:37.360 --> 0:47:45.200
<v Speaker 2>helped us with that guide. All right, we're ready to

0:47:45.239 --> 0:47:47.480
<v Speaker 2>move on to some what is next? I'm losing all

0:47:47.560 --> 0:47:49.080
<v Speaker 2>track of our of the show.

0:47:49.360 --> 0:47:53.680
<v Speaker 1>It's time. All I do is win, win, win, no

0:47:53.840 --> 0:47:56.960
<v Speaker 1>matter what. Oh I didn't do this win before, but

0:47:57.760 --> 0:48:00.520
<v Speaker 1>you know I have the memory that you know, I know.

0:48:00.600 --> 0:48:02.359
<v Speaker 1>I was like, so, did I do a win about

0:48:02.360 --> 0:48:03.759
<v Speaker 1>the app, the credit Stacker app?

0:48:04.120 --> 0:48:05.480
<v Speaker 2>No, I don't wait, I don't think so.

0:48:05.960 --> 0:48:09.520
<v Speaker 1>No, look at me. Meanwhile, I have literally no memory.

0:48:09.600 --> 0:48:13.719
<v Speaker 1>So so there's this app called credit Stacker that is

0:48:13.880 --> 0:48:17.719
<v Speaker 1>very similar to Candy Crush and it was built by

0:48:18.680 --> 0:48:20.319
<v Speaker 1>don't give me the line. Let me find this young woman,

0:48:21.520 --> 0:48:24.359
<v Speaker 1>this young woman who is of brown ambition descent, if

0:48:24.400 --> 0:48:25.880
<v Speaker 1>you know what I mean, and I think you do.

0:48:27.360 --> 0:48:29.920
<v Speaker 1>And I'm just like super excited because it's been downloaded,

0:48:30.000 --> 0:48:32.920
<v Speaker 1>like let me see a bazillion time. Her name is.

0:48:33.920 --> 0:48:36.680
<v Speaker 1>They're called Forbes actually calling this woman the next Steve Jobs,

0:48:36.760 --> 0:48:40.720
<v Speaker 1>which is pretty awesome. She made a Candy Crush clone

0:48:40.760 --> 0:48:42.880
<v Speaker 1>that teaches you basic finance, and I'm like, her name

0:48:43.000 --> 0:48:46.000
<v Speaker 1>is Angel Rich, and I just thought that's so awesome, right,

0:48:46.120 --> 0:48:48.440
<v Speaker 1>like a fun game that teaches you about personal finance,

0:48:48.680 --> 0:48:52.680
<v Speaker 1>but lets you play it like like like Candy Crush.

0:48:53.000 --> 0:48:54.600
<v Speaker 1>So I just want to shout, like share a little

0:48:54.600 --> 0:48:57.640
<v Speaker 1>bit of a win to miss Angel Rich and creating

0:48:57.680 --> 0:49:02.000
<v Speaker 1>this awesome app that teaches folk. You know, yeah, it's

0:49:02.040 --> 0:49:06.560
<v Speaker 1>like multiple you Well, two hundred fifty thousand people got

0:49:06.600 --> 0:49:09.680
<v Speaker 1>the app within the first two weeks of launching. Wow,

0:49:10.239 --> 0:49:13.919
<v Speaker 1>credit stuff gotten. Yes, I actually downloaded. I'm not gonna

0:49:13.960 --> 0:49:16.880
<v Speaker 1>lie I haven't. I haven't played with it yet, but

0:49:17.160 --> 0:49:20.040
<v Speaker 1>I downloaded it because it's free. Yeah. I'm just really

0:49:20.280 --> 0:49:23.760
<v Speaker 1>just to see like this young woman building this dope

0:49:23.800 --> 0:49:26.600
<v Speaker 1>app that's actually fun, but then teaching financial education. I

0:49:26.640 --> 0:49:27.759
<v Speaker 1>think it's just a win win win.

0:49:29.480 --> 0:49:31.520
<v Speaker 2>No good credit stacker.

0:49:31.680 --> 0:49:34.200
<v Speaker 1>Check it out. Yeah, check it out, get it, play it.

0:49:34.360 --> 0:49:35.440
<v Speaker 1>Let us know how you feel about it.

0:49:36.560 --> 0:49:39.680
<v Speaker 2>Okay, So my win is gonna be I'm gonna be

0:49:39.719 --> 0:49:42.600
<v Speaker 2>on cheddar TV tomorrow. If you guys are listening early

0:49:42.680 --> 0:49:44.680
<v Speaker 2>in the morning, catch me on Cheddar TV.

0:49:44.800 --> 0:49:44.840
<v Speaker 1>So.

0:49:44.960 --> 0:49:50.120
<v Speaker 2>Cheddar is a millennial focused online what would you call

0:49:50.200 --> 0:49:52.880
<v Speaker 2>it broadcast platform? So they live stream from the New

0:49:52.960 --> 0:49:56.280
<v Speaker 2>York Stock Exchange and I'll be there tomorrow talking about

0:49:56.360 --> 0:50:01.800
<v Speaker 2>what happens to debt after you get married. Yeah, I

0:50:01.920 --> 0:50:03.319
<v Speaker 2>love me.

0:50:03.400 --> 0:50:05.520
<v Speaker 1>Too, Honestly, even though like you giggled that, like you

0:50:05.600 --> 0:50:07.399
<v Speaker 1>know that they're I forgot.

0:50:07.480 --> 0:50:08.040
<v Speaker 2>We talked about it.

0:50:08.160 --> 0:50:15.040
<v Speaker 1>Yeah, their logo and Swiss cheese, but whatever, exactly, like

0:50:15.160 --> 0:50:19.080
<v Speaker 1>that's Swiss. Honestly, I love how chill they are and

0:50:19.160 --> 0:50:21.200
<v Speaker 1>how fun they are and how like so Yeah. If

0:50:21.239 --> 0:50:23.680
<v Speaker 1>you are not following Cheddar on Facebook or Instagram, you

0:50:23.719 --> 0:50:27.279
<v Speaker 1>should be because if you're like, you know, wanting to

0:50:27.360 --> 0:50:29.399
<v Speaker 1>learn about money in a fun way. Because Mandy's gonna

0:50:29.400 --> 0:50:29.640
<v Speaker 1>be on.

0:50:31.640 --> 0:50:35.160
<v Speaker 2>Congratulates Thanks Man, So catch me on Cheddar in the

0:50:35.280 --> 0:50:40.040
<v Speaker 2>Maniana and you, Missy, please get better. I hope that.

0:50:40.320 --> 0:50:42.839
<v Speaker 2>I hope that you're healed by the time you get

0:50:42.880 --> 0:50:43.560
<v Speaker 2>to Austie Land.

0:50:44.560 --> 0:50:47.200
<v Speaker 1>Yes, I'm gonna take my night quote before night night

0:50:47.239 --> 0:50:49.680
<v Speaker 1>quot because I have day quill. Take night quiote tonight.

0:50:49.680 --> 0:50:52.160
<v Speaker 1>I'm gonna go to bed early. Superman is like trying

0:50:52.200 --> 0:50:54.279
<v Speaker 1>to wrap this like wool scarf around my head. I'm like,

0:50:54.320 --> 0:50:58.800
<v Speaker 1>if you don't get away with me, I know. He's like, babe,

0:50:59.160 --> 0:51:02.720
<v Speaker 1>he made me sue and like maybe put on sweats, socks,

0:51:03.120 --> 0:51:05.759
<v Speaker 1>a T shirt, a hoodie. I'm like, I'm literally dying.

0:51:05.800 --> 0:51:07.600
<v Speaker 1>It's hot outside. He's like, you have to sweat it out.

0:51:07.960 --> 0:51:09.879
<v Speaker 1>I'm like, oh, I'm sorry. Do you have your doctor's degree?

0:51:11.520 --> 0:51:14.839
<v Speaker 2>That's what moms pill say sweat about. No, like, take

0:51:14.920 --> 0:51:17.200
<v Speaker 2>some I'm a big fan of zinc. I always take

0:51:17.280 --> 0:51:19.719
<v Speaker 2>zinc before I get on flights. It's supposed to boost

0:51:19.719 --> 0:51:21.279
<v Speaker 2>your moon system. And I feel like there's so many

0:51:21.360 --> 0:51:24.680
<v Speaker 2>germs on planes. But zinc it's like the only minner

0:51:24.760 --> 0:51:26.600
<v Speaker 2>of the vitamin. I think that is supposed to help

0:51:26.800 --> 0:51:30.240
<v Speaker 2>if you're feeling sick from a cold or a virus

0:51:30.360 --> 0:51:32.600
<v Speaker 2>that really can't be cured with antibiotics. Yeah, that's what

0:51:32.640 --> 0:51:35.919
<v Speaker 2>I've read, So it makes me feel better. Zinc hot

0:51:36.040 --> 0:51:41.080
<v Speaker 2>tea with ginger, lemon honey, A lot, a lot, a

0:51:41.120 --> 0:51:44.239
<v Speaker 2>lot of trash TV always helps me feel better.

0:51:45.719 --> 0:51:49.200
<v Speaker 1>Yeah, I'm gonna, yeah, I'm gonna, honestly, like literally curl up.

0:51:49.600 --> 0:51:51.520
<v Speaker 1>I made my list of things to pack. We thank

0:51:51.680 --> 0:51:53.759
<v Speaker 1>goodness my flight is at five because I have not

0:51:54.360 --> 0:51:56.759
<v Speaker 1>He said, just take tonight to rest because I took

0:51:56.800 --> 0:51:59.520
<v Speaker 1>the tomorrow off obviously because I'm traveling. But like, I'm

0:51:59.560 --> 0:52:03.040
<v Speaker 1>gonna pass back tomorrow morning. I'm not my I'm going

0:52:03.080 --> 0:52:05.520
<v Speaker 1>with my my publicist slash best friend. She hates when

0:52:05.520 --> 0:52:07.279
<v Speaker 1>I tell people she's my best friend. She was like,

0:52:07.360 --> 0:52:10.000
<v Speaker 1>oh my god, stop telling people. I'm like why because

0:52:10.040 --> 0:52:14.160
<v Speaker 1>she's like, you know, I know in these streets like no,

0:52:14.280 --> 0:52:16.279
<v Speaker 1>I'm your papa, sist somebody, hey girl whatever and.

0:52:16.400 --> 0:52:16.840
<v Speaker 2>Is a boss.

0:52:16.920 --> 0:52:19.560
<v Speaker 1>We all know that exactly. I'm like Rianda you not

0:52:19.640 --> 0:52:21.440
<v Speaker 1>to prove to nobody. So she I'm going with her

0:52:21.520 --> 0:52:23.520
<v Speaker 1>because she has a client that she's going there with,

0:52:23.640 --> 0:52:25.439
<v Speaker 1>and she's like, you should come. I'm like, uh, I'm there,

0:52:26.120 --> 0:52:28.799
<v Speaker 1>So I'm gonna have a dope time. I just want

0:52:28.880 --> 0:52:31.279
<v Speaker 1>to have a dope time and not be dead.

0:52:32.040 --> 0:52:36.280
<v Speaker 2>So you're gonna get better. You're gonna have a great trip, happy,

0:52:36.880 --> 0:52:37.839
<v Speaker 2>happy birthday trip.

0:52:38.920 --> 0:52:42.360
<v Speaker 1>Yes, I'm doing it like my arms are out to

0:52:42.400 --> 0:52:44.040
<v Speaker 1>my I know you guys like the visuals. My arms

0:52:44.080 --> 0:52:45.719
<v Speaker 1>are out to the side and my hand is in

0:52:45.760 --> 0:52:47.960
<v Speaker 1>the fist and I'm doing that. That's shimmy that you know,

0:52:48.040 --> 0:52:50.440
<v Speaker 1>you see like older women do, like, yeah, they lean

0:52:50.480 --> 0:52:53.359
<v Speaker 1>forward and lean back. Yeah, shakey, shakey forward, shakey, shakey back.

0:52:53.560 --> 0:52:55.239
<v Speaker 1>That's my yes, just so you can see. And I'm

0:52:55.280 --> 0:52:58.239
<v Speaker 1>wearing a bright orange Orlando, Florida. It's more like a

0:52:58.280 --> 0:53:01.560
<v Speaker 1>fluorescent pink actually wet shirt that Superman forced on me.

0:53:01.960 --> 0:53:06.480
<v Speaker 1>So yes, in my bright pink. Get into it. Just

0:53:06.560 --> 0:53:07.719
<v Speaker 1>a little visual to leave you with.

0:53:08.440 --> 0:53:11.200
<v Speaker 2>Good night, y'all, go to go to sleep, feel better,

0:53:13.760 --> 0:53:17.080
<v Speaker 2>get better, so you're not gonna remember any of this episode.