Speaker 1: Hey, hey, hey, you know what we never talked about.
Speaker 1: Have you listened to four forty four?
Speaker 2: Oh oh jay Z's album?
Speaker 1: Yeah, I haven't.
Speaker 2: You know, it's weird. I have listened to it, but
Speaker 2: I read. I read the lyrics like I was reading
Speaker 2: someone's like poetry or something, because everyone because why does
Speaker 2: one of the dirt? You know, I went to go
Speaker 2: see what he had to say, just see what he
Speaker 2: had to say about salone, and like if he was
Speaker 2: gonna mention Lebonade or anything like that. So I read
Speaker 2: for the dirt, not gonna lie.
Speaker 1: So what what was your take on the Dirt? Well?
Speaker 2: I actually liked I you know, I'm not going to
Speaker 2: pretend like I know every one of jay Z's albums
Speaker 2: and songs, but I've been a fan. I like his music.
Speaker 2: But what I what I liked is how I didn't
Speaker 2: forget what the name of the song. I think it
Speaker 2: was four four four, where he's basically saying like rip
Speaker 2: jay Z, and I feel like he's saying goodbye to
Speaker 2: the jay Z of old and accepting the new different,
Speaker 2: older father husband jay Z. And I think that that's it's.
Speaker 2: I mean, hip hop is so young, like as a
Speaker 2: genre and you know these are He's one of the
Speaker 2: first rappers that really has gotten old and we've gotten
Speaker 2: to see him, see him become this version of himself.
Speaker 2: And you know, everyone else is like twenty two and
Speaker 2: like thirty, and people who were big in the eighties
Speaker 2: aren't really making that much music anymore. But I feel
Speaker 2: like he's showing you how to how to grow up gracefully.
Speaker 2: I guess in hip hop a little.
Speaker 1: Yeah, he talk a little about credit.
Speaker 2: I was like, oh snah, I did. I got a no.
Speaker 1: I said, look at you talking about what do you say?
Speaker 1: You know what's more? You know what's better than spending
Speaker 1: money at strip clubs? Credit? I said, look at jay Z.
Speaker 1: He said, I'm trying to give you something to the
Speaker 1: fact that I'm trying to give you a million dollar
Speaker 1: knowledge for nine ninety nine, I'm like, look at jay Z,
Speaker 1: don't try to come with the finn Con crowd. No.
Speaker 2: Literally, I must have gotten five pitches from our writers.
Speaker 2: I'm telling you there aren't that many personal finance writers
Speaker 2: or colors, but the ones that were out there were
Speaker 2: pitching jay Z stories like the past few weeks financial
Speaker 2: lessons you could learn from jay Z's for four to four. Yeah,
Speaker 2: so jay Z's like I mean, I mean, I don't
Speaker 2: know if he's written a book on entrepreneurship, but he
Speaker 2: should because I mean, I think most of his wealth
Speaker 2: came from his business skills and not his music, right
Speaker 2: from his music label to his to all the business
Speaker 2: deals he has to title. Like, I mean, that's one
Speaker 2: lesson you can take from him, is how to diversify
Speaker 2: your own business so that you're bringing in mad income
Speaker 2: streams and you're not like you're not tied to any
Speaker 2: label for your for your wealth.
Speaker 1: Yeah. Yeah, honestly, I'm really I like the album. I
Speaker 1: mean I listened to it and I was just like,
Speaker 1: you know what I like too is that he also
Speaker 1: had like these things called notes, and I haven't watched
Speaker 1: them yet, but basically like kind of like commentary videos
Speaker 1: that that mirror that go along with some of the songs,
Speaker 1: So really like talking about some of the songs and
Speaker 1: what they meant and not just him but other like
Speaker 1: one of them, the song four forty four, I guess
Speaker 1: it's like his apology to Beyonce, and he does this
Speaker 1: video with like Chris Rock, Jesse Williams, all these black
Speaker 1: men of note and kind of talking about love and relationships,
Speaker 1: and I said, I'm gonna watch it today, but I
Speaker 1: heard it was like really good because you know, I
Speaker 1: feel like, you know, I'm realizing I feel like we
Speaker 1: don't really hear from black men when it comes to
Speaker 1: this whole relationship. You know, there's always these think pieces
Speaker 1: on black men and women black men, but I feel
Speaker 1: like I don't really hear too much from black men themselves.
Speaker 1: So I'm excited to listen to it.
Speaker 2: Okay, I might watch that. I didn't know that he
Speaker 2: did that too. Do you have to have be a
Speaker 2: One reason I didn't listen is because I don't have title.
Speaker 1: Yeah, me either, But you know there's ways around that.
Speaker 1: I mean, don't judge me. But somebody's I use someone's
Speaker 1: tie though, We'll just say that. Yeah. No. I somebody
Speaker 1: had it on Facebook the forty four, like I don't
Speaker 1: know what, you know, if it was a lot or
Speaker 1: what it, but it was just posted on Facebook, and
Speaker 1: I was like, oh, let me save this, and I
Speaker 1: Facebook message it to myself so I can watch it
Speaker 1: tonight because it just looked interesting. I was just curious
Speaker 1: to hear what these men had to say without women
Speaker 1: in the room. About relationships and how they felt about them.
Speaker 2: You know, yeah, I know, speaking of pop culture. I'm home,
Speaker 2: maybe not speaking of pop culture. But so this weekend
Speaker 2: we went down to DC. We had a wedding in
Speaker 2: South Jery's, you know, and then we also my brother
Speaker 2: in law's girlfriend got us tickets or got tickets to
Speaker 2: the African American History and Culture Museum that's in DC,
Speaker 2: which is really really hard. I mean, tickets are free
Speaker 2: because it's part of the Smithsonian, but they're really hard
Speaker 2: to get. They sell out really fast. So I've had
Speaker 2: this on my calendar for months and we finally went
Speaker 2: down there, and first all, we didn't even finish half
Speaker 2: the museum. It is so big, It is so packed
Speaker 2: with things to read, to see, and you really want
Speaker 2: to take your time. I spent. It's basically the way
Speaker 2: the museum. I mean, it was incredible, but it was
Speaker 2: it split up into like an upper level and then
Speaker 2: a lower level. So you start down, you go down
Speaker 2: to like three levels below underground, and this is where
Speaker 2: it starts at the beginning of slavery, and it goes
Speaker 2: through the fourteen hundreds all the way to two thousand
Speaker 2: and eight. That's a lot of history. I spent three
Speaker 2: and a half hours just going through those bottom three levels.
Speaker 2: And the emotional like people were crying, they were I mean,
Speaker 2: it wasn't like, I don't want to make it seem dramatic.
Speaker 2: People weren't like boohooing like church crying, but I mean
Speaker 2: it was. It was very somber because you're I was
Speaker 2: learning a lot that I didn't know about slavery in
Speaker 2: the first place. And then and then you're having your
Speaker 2: own experience and you can't help but see the like
Speaker 2: the six year old little girl who's with her mom
Speaker 2: and she's like, Mommy, I feel like crying, and the
Speaker 2: mom's like, I feel like crying too. And the little
Speaker 2: girl said, mommy, was Grandma was Grandma's slave. Was Grandma here?
Speaker 2: And she's like pointing to this was in the section
Speaker 2: of like the eighteen hundreds, was Grandma here? And you know,
Speaker 2: I found myself listening. It was fascinating to like listen
Speaker 2: to how parents were reacting to their kids and like
Speaker 2: how kids were reacting to it. You know, some kids
Speaker 2: didn't care, some kids are like running around, but it
Speaker 2: was just really it was just really intense. It was
Speaker 2: just it's like you're walking around with your heart being
Speaker 2: squeezed at the same time, and you're seeing the shackles
Speaker 2: for small children and the shackles that were used for adults,
Speaker 2: and there was like, I've never seen a real whip
Speaker 2: that was used on plantations. And then they have I
Speaker 2: mean it, yeah, it was a is a experience and
Speaker 2: it was heavy at the end of it. Actually, once
Speaker 2: you go through and you're out of the third level,
Speaker 2: they have this contemplative fountain, which is really beautiful. It's
Speaker 2: a fountain and you can sit there and it's just
Speaker 2: meant to be a place where you can sort of
Speaker 2: like put Actually, the docent or the woman who they
Speaker 2: take you down an elevator at the beginning. You go
Speaker 2: down three levels and they have a docent in the
Speaker 2: elevator kind of preparing you for what you're about to
Speaker 2: go through, and they tell you at that point at
Speaker 2: the beginning, you know, at the end, go to the fountain.
Speaker 2: Put some peace back in your heart before you continue,
Speaker 2: because you read.
Speaker 1: That you need oh wow, I love that.
Speaker 2: You need a hug, you need something. And I felt like,
Speaker 2: I mean I spent three and a half hours. I've
Speaker 2: never spent I haven't spent that much time in a museum.
Speaker 2: I can't even tell you how long. And that was
Speaker 2: just half of it. And then you finish, you get
Speaker 2: through like the history part, and then the top four
Speaker 2: levels of the museum. When you get back to the
Speaker 2: ground level. They have a modern art level. They have
Speaker 2: an amazing pop culture level where you go through the
Speaker 2: history of music and music and African American culture's influence
Speaker 2: and all the different genres of music and media and entertainment.
Speaker 2: And I don't even know the other two levels are
Speaker 2: because at that point I was just so I was
Speaker 2: so rotten. I was so like emotionally drained and physically
Speaker 2: tired from doing the bottom levels that I said, We're
Speaker 2: just going to have to come back later. I couldn't
Speaker 2: do the rest, and we didn't. We Unfortunately, you could
Speaker 2: probably do it in a whole day if you take
Speaker 2: a break, like go to They have a nice cafe there,
Speaker 2: and I was like, if you if we would have
Speaker 2: had time to go to the cafe for like an
Speaker 2: hour and re re energize, I could have done the
Speaker 2: rest of it, but we just didn't have enough time.
Speaker 2: But that is one amazing place I have to go. Yeah,
Speaker 2: you learn, and I just I just you know, I
Speaker 2: posted on I know some of our listeners had seen
Speaker 2: my post on Instagram where I've been reading this book
Speaker 2: as part of my Mandy book club of one called
Speaker 2: UH call Homegoing by Uh. Her last name is Gia.
Speaker 2: She's Gunny and writer Yagiyasi g Ya Si and this
Speaker 2: book Homegoing, it it was a perfect book to read
Speaker 2: before you go to that museum because it's historical fiction
Speaker 2: and she sets it on the coast, on the Gold Coast,
Speaker 2: Western Africa and Ghana, and she takes you through the
Speaker 2: history of slavery, but through fictional characters experiences. So you
Speaker 2: start with two women born at this born in Ghana,
Speaker 2: one is sold into slavery, one marries a British officer,
Speaker 2: and then you learned you every chapter is one of
Speaker 2: their descendants, going all the way up until modern day.
Speaker 2: And it is like, this book is so good. It's
Speaker 2: so good, and I learned a lot about slavery that
Speaker 2: I didn't know. And in like the history, I mean,
Speaker 2: it just shows you the ripple effects and how long
Speaker 2: they've lasted. I mean it's been centuries and how we're
Speaker 2: still being people today are still impacted by what happened
Speaker 2: four hundred or six hundred years ago, the beginning of
Speaker 2: slavery in Europe. And how and how not just America,
Speaker 2: but all of Europe, all the great nations of Europe
Speaker 2: have the bat have slaves to thank for their growth
Speaker 2: during this time, for all, for their economic growth, for
Speaker 2: their wealth. Here's you know, I learned that. I didn't
Speaker 2: know that Christopher Columbus lands it in what is now
Speaker 2: Dominican republican Haiti and basically brought so much disease that
Speaker 2: all the indigenous people died, and he replaced them with slaves.
Speaker 2: And that's why there's so much African heritage. I didn't
Speaker 2: know that. Like I learned all that from the museum.
Speaker 2: I didn't know Portugal was like really the country that
Speaker 2: started the slave trade and was responsible for bringing more
Speaker 2: slaves than even the US from Africa. Like it's just
Speaker 2: so's it's just not what it's not. It's everything you
Speaker 2: didn't learn in high school, you know, and everything you
Speaker 2: weren't mature enough to understand in high school. It's everything.
Speaker 2: And don't worry. They have an Oprah exhibit and they
Speaker 2: have a the last I'll tell you what. Like when
Speaker 2: you said you need like you need you need like
Speaker 2: a little bit of release. After that, toward the end
Speaker 2: of it, when you finally got to Obama and Oprah,
Speaker 2: people were swarming those exhibits. It was like everyone just
Speaker 2: needed like okay and we kind of like have a
Speaker 2: bit of you know, yeah, I don't know why Oprah
Speaker 2: got such a huge when you if you go, you'll
Speaker 2: see it's like Martin Luther King Junior's exhibit was really
Speaker 2: really tiny, which was kind of surprising. But then Oprah,
Speaker 2: it's like the entire set. They recreated the set, and
Speaker 2: to be fair, she did like finance half the museum
Speaker 2: or something like that.
Speaker 1: She's like, yeah, you will, you will get me my.
Speaker 2: F she she they had the dress from her last show.
Speaker 2: It was it was funny, and they had Michelle Obama's
Speaker 2: dress from a the night that Obama was was first elected.
Speaker 2: It's a anyway, I can go on and on, but
Speaker 2: definitely definitely add it to your to do list if
Speaker 2: you you ever, you know, go to DC.
Speaker 1: Speaking of adding things to your to do list, this
Speaker 1: is a random but I went to the doctor today.
Speaker 1: Everybody should go. I mean, you guys probably go. I'm
Speaker 1: the worst. I'm not even gonna lie I am the
Speaker 1: absolute worst with going to the doctor. And I don't
Speaker 1: know why. I just even when I was there, I
Speaker 1: was trying to figure out how I could leave. So
Speaker 1: I went to for real, I was like, oh wait,
Speaker 1: because my my appointment was at eleven thirty and I
Speaker 1: didn't get there till eleven forty five. I said, oh,
Speaker 1: I'm kind of late. Anyway, maybe I should just's Tiffany
Speaker 1: Kitchin And then it was like maybe like five people
Speaker 1: in the waiting room. I said, Oh, it's going to
Speaker 1: be a while. I'm like, cause you have something to
Speaker 1: do after this, you doun't And I was like, oh
Speaker 1: God to the guy now, And so is.
Speaker 2: This just a check up or was it like a physical?
Speaker 1: Well, I want to when men want to have a
Speaker 1: super well, we want to have a super baby. So
Speaker 1: I was like, oh, I have to make sure that,
Speaker 1: Like I mean, I've had like I'm going to the
Speaker 1: regular doctor. That's like, oh, that's pretty easy. You know,
Speaker 1: I've done that. You know, I get my yearly physicals.
Speaker 1: But the guy in know, for some reason, I don't
Speaker 1: know if it's just the weirdness of hey, there's my vagina.
Speaker 1: You're looking in there, you know, if that's why, you know.
Speaker 1: But so I went and I found out that I
Speaker 1: have five boyds. I did not know, like even though
Speaker 1: it's probably the only thing, and I don't want to
Speaker 1: say it runs in my family, but I'm not the
Speaker 1: only one in my family. So but we're like, we
Speaker 1: don't there's no there's no history of like asthma or
Speaker 1: diabetes or whatever, you know, like when you check off
Speaker 1: the list, like there's none of that. Yeah, but five
Speaker 1: ten seem to be like a semi reoccurring theme. I
Speaker 1: didn't know, and I always wondered why, Like you know,
Speaker 1: he said, didn't you wonder why he had this little
Speaker 1: like I always had a little pooch, nothing major, like
Speaker 1: if you see me, you might not even notice unless
Speaker 1: I was wearing like a like a really tight like shirt.
Speaker 1: And I always wondered, And I'm like, I just always thought, oh,
Speaker 1: I don't know, I got a little belly, you know.
Speaker 1: And know he was like that there are actually I
Speaker 1: have three of them, and they're kind of large. For
Speaker 1: those of you. Let me let me pull out the
Speaker 1: definition because honest say, I wasn't fully clear on what
Speaker 1: fiboids were.
Speaker 2: Yeah, no fibroid with an F for people like you
Speaker 2: thought you were saying thyroid when you first heard it.
Speaker 1: Oh yeah, because that's my lists my bad guys.
Speaker 2: No, no, no, it's just you know the interwebs.
Speaker 1: So, fibroids are non cancerous tumors. I know you hear
Speaker 1: tumor eh that grow from the muscle layers of the womb.
Speaker 1: So that sounds scary. I'm like, yikes, is that what
Speaker 1: that is? So they can be the size of a bean,
Speaker 1: to be as large as a melons. And it said
Speaker 1: fiveboids affected about thirty percent of women. Wow, I didn't
Speaker 1: know that by the age of thirty five years old,
Speaker 1: and twenty to eighty percent by the age of fifty.
Speaker 1: Oh okay. So basically, as you get older, the likelihood,
Speaker 1: you know, the likelihood of you getting fiboids grows, so
Speaker 1: typically you kind of know that you have because you
Speaker 1: get like really, this is how my other family member
Speaker 1: knew because she was getting really bad cramps. She had heavy,
Speaker 1: like heavy periods, and I sorry, Jerome, and you're like
Speaker 1: really yes, like sad period and so but I wasn't
Speaker 1: getting any of that, Like I have normal periods. I don't.
Speaker 1: I get cramps, but nothing crazy, you know, I you know,
Speaker 1: I can usually opt in or out of taking like
Speaker 1: like an advil or whatever. So I didn't know because
Speaker 1: I wasn't exhibiting other than like this little belly that
Speaker 1: I just assumed, well, you know, that's my ice cream habit.
Speaker 1: I didn't know that that there was any especially for
Speaker 1: them to be that large. They're like, you don't get
Speaker 1: any discomfort. I'm like, my parents are normal. They're five days.
Speaker 1: I don't, like I said, I don't get I might
Speaker 1: I cramp maybe the first day a little bit, and
Speaker 1: even then if it's not that bad, I don't take anything,
Speaker 1: and you know, I have a normal flow basically, So
Speaker 1: I'm like, uh so, now the decision is. The thing
Speaker 1: is with five boids is that you you can decide
Speaker 1: to get rid of them, but there's a risk, like
Speaker 1: if you want to have kids, you know, there's a
Speaker 1: risk of taking them out. And so this is what
Speaker 1: I have to decide, do I try to have kids anyway?
Speaker 1: And but then if they're really large, because they grow
Speaker 1: like on the like uterus or whatever, they can actually
Speaker 1: they'll take up space where the baby would grow. So
Speaker 1: you run, you know, you run the risk of there
Speaker 1: literally not being enough space and then miscarriages and all
Speaker 1: the other kind of stuff. But then also too, you
Speaker 1: can have them remove, but then you also run the
Speaker 1: risk of something happening, and then you're not being able
Speaker 1: to have kids. So I'm just trying to, like I
Speaker 1: have to, I want to meet with a number of
Speaker 1: The doctor that I met with today was like, oh, no,
Speaker 1: you gotta get rid of them, and.
Speaker 2: I'm like, hold up, second opinion that.
Speaker 1: Because I'm like, honestly, women have kids with fibroids, you know,
Speaker 1: like or yeah, so it's it's not And so I've
Speaker 1: had doctors say that too, So I want to I
Speaker 1: want to honestly speak with a woman doctor who this
Speaker 1: is her specialty, because I don't want to rush in
Speaker 1: and get something done and then I, you know, I
Speaker 1: take away the chance of me being able to have children,
Speaker 1: you know, yeah, definitely. Yeah. So it's just something. So
Speaker 1: if you have five, honest say, I'm really interested because
Speaker 1: i know, especially in our community, the brown ambition community,
Speaker 1: fiveboys run a little bit higher for women of color,
Speaker 1: and I'm sure a large number of you are dealing
Speaker 1: with five boys. I've heard, I've read a lot about
Speaker 1: changing your diet and they can actually shrink them by
Speaker 1: changing your diet. A friend of mine, you know, she
Speaker 1: cut out all her sugar and she saw her shrinking.
Speaker 2: How did they find them Is that during the physical exam,
Speaker 2: like with their hands they can feel it or did
Speaker 2: you have to get like a scan or something ultrasound?
Speaker 1: Yeah, so he actually ordered a ultrasound for me so
Speaker 1: he could see better. But yeah, just like through the
Speaker 1: like digging all all in there. He was like, whoa.
Speaker 2: First of all, you have a male guy. No kudos
Speaker 2: to you. I've never been able to deal with the male.
Speaker 1: I was like, because, well it was recommended and I
Speaker 1: didn't even ask, Like I asked a friend of mine,
Speaker 1: who is that guy? Know? I need to give my
Speaker 1: life together? And she was like, oh, doctor whatever. I
Speaker 1: didn't even I didn't know it was a man. I'm
Speaker 1: not gonna lie. I was like, wait, who are you?
Speaker 1: Damn I met it before what And then and then
Speaker 1: he did like the breast exam. I'm like, what is happening?
Speaker 1: It was so weird. I was just looking up at
Speaker 1: the ceiling, like, ah, being molested.
Speaker 2: But it was good, you know, but.
Speaker 1: But yes, but it was good to just you know,
Speaker 1: get all of that done. And aside from that, you know,
Speaker 1: he's like you're perfectly healthy, blah blah blah. But it
Speaker 1: definitely was like yike, So now I really that's why
Speaker 1: I said, I want an opinion from a woman, especially
Speaker 1: a woman doctor who deals with this on a regular basis,
Speaker 1: because I you know, he was just very quick to
Speaker 1: be like we gotta take care and got getting rid
Speaker 1: of him, and I'm like, hold up, like, I'm sure
Speaker 1: there are other there's other options, because I don't I'm
Speaker 1: gonna eventually. The thing is, I know eventually I want
Speaker 1: to get rid of them, but before or after childbirth,
Speaker 1: that's the question, And so I really wanted to exploit it.
Speaker 1: So for those of you who are listening, like I said,
Speaker 1: I definitely have read a lot about changing diets and
Speaker 1: being able to reduce your five ways as a result
Speaker 1: of that. If you're someone who knows anything about that,
Speaker 1: please tweet me at the Budgetista and just you know,
Speaker 1: if you have a link or anything, because I'm definitely
Speaker 1: like gathering as much information as possible so when I
Speaker 1: make my next appointment with a doctor that I could
Speaker 1: talk about what are my options? Superman. It's like we
Speaker 1: can always adopt I'm like, we could. I don't know.
Speaker 2: I don't think you're I mean, you still have some
Speaker 2: you still haven't you don't know that this is going
Speaker 2: to like prevent you from you know, having kids, having kids.
Speaker 1: But so I'm just like, yeah, it's just like as
Speaker 1: you get older, you start to realize wow, And it's
Speaker 1: so crazy because like my one of the reasons why
Speaker 1: I honestly I wasn't going to a doctor as much
Speaker 1: is because my insurance, like it lapsed. I didn't even
Speaker 1: realize because they were taking the money automatically out of
Speaker 1: my account and I wasn't keeping up. And then months
Speaker 1: later I was it was like, oh, you know, you
Speaker 1: haven't made a payment. Your insurance is canceled. I'm like,
Speaker 1: I've made a payment. I don't make payment. You guys
Speaker 1: say the money and it was always something and then
Speaker 1: it's so it's weird. It lapsed right before I got married,
Speaker 1: so I was kind of like whatever. And so because
Speaker 1: I'm like I'm getting married, he's got Superman's got awesome insurance.
Speaker 1: I'll just be on his. But there's a thirty day
Speaker 1: period where I'm uninsured right now, you know. And so
Speaker 1: because from not having it to when when it like
Speaker 1: when it kicks in with him. And so I paid
Speaker 1: out of pocket. So the guy know it was like
Speaker 1: one fifty cash. He was like yeah, cash, And so,
Speaker 1: you know, it had me thinking to myself, Wow, like
Speaker 1: what if you know, what if I didn't have insurance,
Speaker 1: Like what would I do? Like, what do you do
Speaker 1: now when you find out that you need the next step,
Speaker 1: next level you don't have insurance?
Speaker 2: You know, Well, it's a good thing that we got
Speaker 2: the Republicans in office, because they're going to yanking away
Speaker 2: coverage for preventative female care any day now.
Speaker 1: And I was thinking that, honestly, as I was in there,
Speaker 1: I was thinking that. I said, so, what happens if
Speaker 1: just regular Regulatiffany and I didn't you know, I didn't
Speaker 1: even realize my insurance flaps and it did, and I'm like,
Speaker 1: wait a minute, something's wrong. What do I do? Because
Speaker 1: when I was in college, plant parenthood was bay okay
Speaker 1: because I wasn't trying to tell my mother I was
Speaker 1: getting it in right, and so like take me to
Speaker 1: the docker. So I used to go to plant Parenthood
Speaker 1: and you know, and like just to like make sure
Speaker 1: I was okay, that's where I went. I went there
Speaker 1: for if I wanted like a test, I went there
Speaker 1: for if something was wrong that I just I went
Speaker 1: there for all of my female like women issues and problems.
Speaker 1: And so I just can't imagine, you know what. And
Speaker 1: it was like I remember, I used to pay out
Speaker 1: a pocket sometimes twenty five dollars. They would ask me, well,
Speaker 1: how much do you make When I was you know,
Speaker 1: when I was really really young, I paid nothing, and
Speaker 1: as I had made a little bit more, I might
Speaker 1: pay twenty five thirty dollars. And so it just you
Speaker 1: don't realize the importance of places like that, you know,
Speaker 1: until like you need them. And it's scary to think
Speaker 1: that young girls might not and not even just young girls,
Speaker 1: women in general might not have access to services like that.
Speaker 2: And I think even if you have insurance like I have,
Speaker 2: I've always been fortunate enough to work for companies where
Speaker 2: I had insurance, or it was on my parents' healthcare
Speaker 2: in college and after, But even then I would have
Speaker 2: insurance and I wouldn't take full advantage of it. And
Speaker 2: I think preventative care is so important, and we women tend,
Speaker 2: we tend to put ourselves a little bit last in
Speaker 2: the list when it comes to scheduling ourities, especially if
Speaker 2: you have kids, like I mean, my mom is proof
Speaker 2: of this, Like she would schedule all our appointments and
Speaker 2: then she wouldn't schedule hers, And that's you just can't.
Speaker 2: You have to add yourself to the priority list and
Speaker 2: make sure that you're getting your checkups. My guy, know,
Speaker 2: was actually really good about she doesn't wait for me
Speaker 2: to make an appointment. She's like, oh, you're due, come, come,
Speaker 2: so I don't have to remember that. And you know,
Speaker 2: I should have been. I should have been going, but
Speaker 2: not just gynecology is important too, but just like your
Speaker 2: regular physical like finding a good doctor who will help
Speaker 2: you stay on top of that. I'm the kind of
Speaker 2: person who I'm like, I don't really feel well. I
Speaker 2: don't want to go to the doctor on some weight.
Speaker 2: I don't want them to know that I put on weight.
Speaker 2: So I'm just gonna wait till I lose ten pounds
Speaker 2: and maybe And that's so stupid, it's so irrational, it
Speaker 2: is so dumb. I promised myself, I'm not gonna, you know,
Speaker 2: continue doing that, because I've got I just know my
Speaker 2: family history and there's just too much. There's too much
Speaker 2: interesting stuff in my family for me to you know,
Speaker 2: feel like I can just go without going to the doctor.
Speaker 2: I don't want to get caught in a situation. I've
Speaker 2: waited too long.
Speaker 1: When I when I had to step on the scale,
Speaker 1: I was already ready to apologize, like, so you know,
Speaker 1: I just got mad. And I was like, she'ven know utivity.
Speaker 2: Yeah, I just got married. I had a big lunch
Speaker 2: today and.
Speaker 1: I was like, didn't we take off my shoes?
Speaker 2: Girl, I'm like, oh, this sweater's kind of heavy. I'll
Speaker 2: take this off too. I'm wearing a scarf, pull on.
Speaker 2: These earrings are my big earrings.
Speaker 1: She was like, honey, just get on a scale. I
Speaker 1: was like me while I was wearing like flip flops.
Speaker 1: I was like, she's gonna be like I don't think
Speaker 1: that was gonna add any weight. And I was like,
Speaker 1: but surprisingly, I actually lost a little weight. I guess
Speaker 1: from like I don't know the stress of like the planning,
Speaker 1: the non wedding, but like I was like, die.
Speaker 2: It ever.
Speaker 1: And I was like, oh, that's good, Like, yeah, I
Speaker 1: probably lost like two pounds, but you know what that
Speaker 1: could just you know how that goes day to day.
Speaker 1: So but yeah, but ultimately, you know, the lesson for
Speaker 1: me was like, uh, you're you need to get regular.
Speaker 1: I mean, like I said, I go to my regular
Speaker 1: doctor and I get those. But you know, as far
Speaker 1: as my what I call my down there doctor, I've
Speaker 1: been slacking.
Speaker 2: And make this the GUYO Visit episode where everyone, if
Speaker 2: you're listening, let's all like make a pack to call
Speaker 2: her Guyos today and make a make a physical appointment
Speaker 2: or something like that, or like a checkup if you
Speaker 2: haven't had it in a while.
Speaker 1: YouTube term YouTube go, get go, get your Yeah, you
Speaker 1: got stuff. So now that we talked about vaginas and toothaches,
Speaker 1: it's time to break it. Boost brown break, brown boot.
Speaker 1: When I got a good brown break, I gotta read
Speaker 1: brown break. Okay, I'm running, all right. So my brown break?
Speaker 1: Did I talk about this last week when people were
Speaker 1: asking if I was pregnant?
Speaker 2: I did you? You mentioned it to me, but we
Speaker 2: didn't talk about it. I wasn't recording.
Speaker 1: My brown break is to not ask women unless they
Speaker 1: are in the delivery room and the baby is crowning
Speaker 1: if they're breaking yo. So so the way my dress
Speaker 1: was cut for my wedding, my non wedding. People were like, oh, like,
Speaker 1: we're literally just straight congratulating me. Oh my god, congratulations.
Speaker 1: I'm like, well, I'm thinking, oh, fakes on the wedding. No, no,
Speaker 1: not the wedding, the apparent baby. And I was like,
Speaker 1: but I'm not gonna lie when I say. For whatever reason,
Speaker 1: on that day, I guess I don't know if it
Speaker 1: was nerves, like I was so bloated, my stomach was
Speaker 1: like I looked three months pregnant, like I as far
Speaker 1: as like without the dress. I was like, I didn't
Speaker 1: know what to do. I took mine all, I took
Speaker 1: my Atlanta. I guess it was just nerves. So I
Speaker 1: was like a ball of gas of like you know,
Speaker 1: not passing gas, just tighte belly gas. And but people
Speaker 1: all like, not people who knew me obviously, but people
Speaker 1: like all over social media were like, oh my gosh,
Speaker 1: can't grat I'm the baby and the man. I'm like
Speaker 1: the baby what? And I thought thought, are they is
Speaker 1: this a joke? And then people started texting me and
Speaker 1: then Facebook messaging me and then writing under all my
Speaker 1: pictures like just guess you think she's pregnant. I'm like,
Speaker 1: I can hear you. I can read. I can read
Speaker 1: like talking about me like I'm not there, and I
Speaker 1: was like wow. So finally I had to do a big,
Speaker 1: red bold Facebook message to say, I am not pregnant,
Speaker 1: please stop asking me because it's rude. It is rude.
Speaker 1: I wasn't pregnant. I was gassy and the dress was
Speaker 1: in a certain way. Then maybe if I wasn't gassy,
Speaker 1: it wouldn't have looked pregnant. But I wasn't, and I
Speaker 1: just at first I thought it was funny, and then
Speaker 1: I got irritated because a number of people kept asking
Speaker 1: and I was like, dang, we not even cool like that.
Speaker 2: I feel like I just saw Brandy post about this,
Speaker 2: So are You're basically having a celebrity problem? Because I
Speaker 2: feel like people lose touch with the reality when they
Speaker 2: feel like they know you, but you're a celebrity and
Speaker 2: they feel that they can talk about you. This happens
Speaker 2: people just like if you are, like have a certain
Speaker 2: public image or public presence, people feel like there's not
Speaker 2: a problem with them outwardly talking about your love life,
Speaker 2: your body, whatever. Like I mean, Brandy just posted about
Speaker 2: this asking people to stop asking her if she was
Speaker 2: pregnant because she's just put on some happy weight.
Speaker 1: Yeah, people, I mean ill, but I'm like it is rude,
Speaker 1: like like that's rude.
Speaker 2: But I'm also sitting here like, oh, should I did
Speaker 2: that once? I mean, but I didn't I asked. If
Speaker 2: I didn't ask, you know, I wasn't like, oh my god, congrats,
Speaker 2: I just asked and I didn't have asked. She felt
Speaker 2: like an asshole afterward. Nope, sure wasn't. Oh day, but
Speaker 2: it was a good enough friend when we could laugh
Speaker 2: at all, thank God.
Speaker 1: But uh, yes, well to me, if we're friends, you
Speaker 1: know that, I don't mind that. But if we're like acquaintances,
Speaker 1: like if we don't talk on the phone at least
Speaker 1: once a year, like I mean, ma'am, you're not allowed
Speaker 1: to text me and ask me like you know, sir,
Speaker 1: you're not allowed to hit me up in my inbox?
Speaker 1: So are you pregnant? I mean, I don't little Hello,
Speaker 1: your name is? My name is Tiffity, Like people like
Speaker 1: that were hitting me up personally like hey girl, I'm like,
Speaker 1: I'm sorry, are we are we friends? And I just
Speaker 1: thought that that was so weird because I'm like, you know,
Speaker 1: I get it, Like, I mean, I'm not saying speculating
Speaker 1: because that's natural, because lord knows, I've done it. But
Speaker 1: to open your mouth to ask someone that you don't
Speaker 1: know it is rude, especially when the answer is no
Speaker 1: and you're like, great, so my belly bumping, like what
Speaker 1: you know. But I mean, at the end of the day,
Speaker 1: I thought it was kind of funny, but you know,
Speaker 1: I just that's my brown. It's like, please stop asking
Speaker 1: women if they're pregnant, unless you're like in a delivery
Speaker 1: room with them. Because one time my friend of mine
Speaker 1: at wasn't you no, No, it was somebody told me
Speaker 1: that the story that a woman was picking up boxes
Speaker 1: and she had big belly, and she'said, oh my god,
Speaker 1: I got it. I got it. You know, I don't
Speaker 1: want you to strain the baby.
Speaker 2: The lady was like, what baby is not me?
Speaker 3: Yeah, like the baby in your the The lady looked
Speaker 3: at her like, well, now you can just pick up
Speaker 3: the boxes.
Speaker 1: Yeah, she said, I don't want you to strain the baby.
Speaker 1: She's like, but her stomach was huge. I'm like, that
Speaker 1: is really embarrassing because she knows she has a big belly,
Speaker 1: and now you know she has a big belly, and
Speaker 1: both of y'all know there's no baby in that belly.
Speaker 1: So now we're here awkwardly looking at each other. So yeah,
Speaker 1: breaking from that police. What about you? Are you gonna
Speaker 1: brown break or brown booth.
Speaker 2: I'm gonna do a well. I want to do a
Speaker 2: break and a boost because I read yet another headline
Speaker 2: that said that half of Americans don't take all their
Speaker 2: paid vacation. I need to know who you are, I
Speaker 2: need your name, I need to send you a personal
Speaker 2: message telling you to take a vacation. So I'm going
Speaker 2: to do a break for actually using your paid time off.
Speaker 2: I don't I don't know. I think it was my
Speaker 2: mom who just taught me the value of Actually she
Speaker 2: taught me I have this many PTO days, and I'm
Speaker 2: going to make sure I take them all by the
Speaker 2: end of the year. And if she hadn't used them,
Speaker 2: she'd find an excuse to use them. She'd take like
Speaker 2: a mental health day or go get her nails done someday.
Speaker 2: It's so like your company, that's like, that's almost like
Speaker 2: just leaving money on the table because they're paying you
Speaker 2: to not work, like free money that doesn't require any work,
Speaker 2: and people don't even get that much pto off. So
Speaker 2: I don't know why you wouldn't use the little bit
Speaker 2: of time that you have. So if you haven't been planning,
Speaker 2: you don't have Maybe it's because they don't want to,
Speaker 2: like spend the money to take a vacation, but you
Speaker 2: don't have to take a vacation anywhere. Yeah, you can
Speaker 2: just take a day and just do something that you
Speaker 2: like to do. You know, if the kid just send
Speaker 2: send this kids to school like normal, and just have
Speaker 2: a day by yourself, sitting in quietly on a couch
Speaker 2: if you'd like to, which is what my Mommy friends
Speaker 2: say they would just wish they could do every once
Speaker 2: in a while, just like have some quiet time. I
Speaker 2: don't I don't understand why we don't why we don't
Speaker 2: take our days.
Speaker 1: I think people a lot of people are afraid to
Speaker 1: take days, like almost like you're gonna get in trouble
Speaker 1: or people are gonna look at you like gone again.
Speaker 1: You know. I don't know.
Speaker 2: I'm more worried when people don't take time off. Like
Speaker 2: we just hired someone, for example, and it was a
Speaker 2: question of when she was going to start, and I said, well,
Speaker 2: she just left a job she's been at for four years,
Speaker 2: she probably wants to take a week off. And then
Speaker 2: someone said, well, I haven't taken a day off ever
Speaker 2: between jobs, and I'm like, well I have, and I
Speaker 2: think it's important and I don't want her starting if
Speaker 2: she hasn't had at least a week off to like
Speaker 2: recalibrate and take you know, take a deep breath. And
Speaker 2: you're starting a new job, it's a big deal. I
Speaker 2: think that's in every job I've every time I've switched jobs,
Speaker 2: somehow I've negotiated that I have two weeks off in between.
Speaker 2: Before when I left Business Insider to go to Yahoo,
Speaker 2: I had two weeks off and I went to Turkey.
Speaker 2: When I left Yahoo before enjoying Magnify, I worked it out,
Speaker 2: so I had two and a half weeks off and
Speaker 2: I didn't even go anywhere. I literally just had two
Speaker 2: weeks off to breathe, to like enjoy the city, to read.
Speaker 2: I went to parks and read on park benches, which
Speaker 2: was cost no money at all, and it was just it.
Speaker 2: I just needed it for my own personal health. I
Speaker 2: don't do well when I'm like jerking between one big
Speaker 2: thing to the next big thing and back and forth.
Speaker 2: I just I know I'm gonna crash, so I do that,
Speaker 2: I think, And if you're not doing that, maybe people
Speaker 2: don't know that they can, Like when you're negotiating a
Speaker 2: new offer, you can pad, you can ask for a
Speaker 2: time off. I don't. I haven't had anyone tell me no.
Speaker 2: And I mean, I think in some careers more than others,
Speaker 2: you feel like, well, I'm competing with everyone else, and
Speaker 2: you know, they really reward you if you're in the
Speaker 2: office at all hours of the night and you never
Speaker 2: take time off and whatever. But I feel like that
Speaker 2: mentality is even as shifting, don't you. I mean, all
Speaker 2: those stories is like bankers like committing suicide after the recession,
Speaker 2: and like these interns who work for big banks committing
Speaker 2: suicide or passing out because they're working around the clock.
Speaker 2: I think there's been more of a push for managers
Speaker 2: to recognize that humans are humans, We have lives, and
Speaker 2: we need we need to do some self care every
Speaker 2: once in a while.
Speaker 1: Because it doesn't at the end of the day, like
Speaker 1: do you want to look happy or do you want
Speaker 1: to be happy? You know, because I get it, Like
Speaker 1: I was I was talking to my best friend today,
Speaker 1: my other best friend, Linda and we're just talking about that.
Speaker 1: Like this look of happiness is like killing people, you know,
Speaker 1: because everyone social media is. It's hard because I remember
Speaker 1: when I first came on and I was so confused.
Speaker 1: This is before I knew that people could like make
Speaker 1: things up. But I would see friends that I knew
Speaker 1: and I'm like, but that's not real. Like I would
Speaker 1: be like, she's not really on vacation, or she don't
Speaker 1: have no money. And it took me a while to
Speaker 1: realize that people were making up their lives on social
Speaker 1: media because I was kind of late to the game
Speaker 1: and I would really think to myself, well, how is
Speaker 1: he in France? Like he doesn't have any money or
Speaker 1: he you know, like just really knowing people in real
Speaker 1: life and it not equated to what I was seeing
Speaker 1: on social media. And then I realized, oh, people just
Speaker 1: kind of create these lives and just show It's one
Speaker 1: thing to be like, look, I don't want to show
Speaker 1: the negativity. I'm just going to show good things of
Speaker 1: what's actually happening. But now people are just straight literally
Speaker 1: just making things up. You know. It is like having
Speaker 1: a great time that such as such were like I
Speaker 1: hate this club, I hate this Yes, little bow wowing.
Speaker 2: He got caught on that commercial flight posting about a
Speaker 2: private plane.
Speaker 1: One why private jacks out here? People are like, wait,
Speaker 1: is this isn't this bowlow? Yeah? So you don't want
Speaker 1: to do that? And I get it because you know
Speaker 1: what it is. I get it because you really, even
Speaker 1: though the adult and you knows that people make stuff up,
Speaker 1: something in you says, well, maybe why is everyone's life
Speaker 1: going better than mine? You know, and that's just not true.
Speaker 2: Well, this most recent report on people who are not
Speaker 2: taking their vacation day, it's by glassdoor, and then they
Speaker 2: asked people, well, why aren't you taking your vacation days?
Speaker 2: It turns out, for the most part, thirty seven percent
Speaker 2: of people said that they were afraid that they would
Speaker 2: get behind on work, and another thirty percent thought that
Speaker 2: no one else could do their job if they were
Speaker 2: to take time off. Twenty percent said it's harder to
Speaker 2: take time off because they're in a senior position, and
Speaker 2: another twenty percent said that they wanted to show they
Speaker 2: were really dedicated to their job. Let's unpack a couple
Speaker 2: of weeks. So I feel like I'm definitely guilty, I
Speaker 2: think because I work at a startup before it was.
Speaker 2: I let me tell you what was when I was
Speaker 2: playing on my wedding. What was stressful wasn't the wedding planning.
Speaker 2: It was doing the work of myself for three weeks
Speaker 2: so I could take time off for my honeymoon and
Speaker 2: to do the act like the week of the wedding.
Speaker 2: That was what killed me. And I get it. I
Speaker 2: know what it is when you don't you're at a
Speaker 2: small company, there's not someone who can do your job,
Speaker 2: and you feel like you're But I mean, I'm glad
Speaker 2: that I sort of worked super hard so I can
Speaker 2: take that time off because it was important to me
Speaker 2: and I didn't want to give that up. And recently
Speaker 2: we hired someone to help me so that I have
Speaker 2: someone now, and it's just such a relief. I have
Speaker 2: someone now who I could trust to take over when
Speaker 2: I'm gone, and I don't feel like I have to
Speaker 2: do the work, like do my work ahead of time
Speaker 2: so that I can take time off. And I was
Speaker 2: in a position where I could ask and get that
Speaker 2: get that help. And maybe if you feel like there's
Speaker 2: no one who can do your job but you, maybe
Speaker 2: it's time to ask for help or tell your higher
Speaker 2: ups that you're overwhelmed to the point where you can't
Speaker 2: take time off. It's not in their benefit to have
Speaker 2: an employee who's run down, stressed and overwhelmed. It's not
Speaker 2: in anyone's interest, and I think it's I think maybe
Speaker 2: part of the issue is that people don't feel like
Speaker 2: it's in their power or that they have the right
Speaker 2: to speak up and express that they need help. Sometimes.
Speaker 1: Yeah, yeah, I think so too. I think that I
Speaker 1: think a lot of people are just afraid. People don't
Speaker 1: want to admit that they're vulnerable or something's not right,
Speaker 1: you know.
Speaker 2: I mean, I don't know. Is everyone just better at
Speaker 2: faking it than me? Because when I'm stressed out, you're
Speaker 2: gonna like everyone knows. I'm so bad. I have no
Speaker 2: poker face, I have no chill, I am a hot
Speaker 2: Like I am running around today, I left my wallet
Speaker 2: in the damn freight elevator room where I was taking
Speaker 2: a phone call because I was running around. I forgot
Speaker 2: I had a phone call and had to take it
Speaker 2: in the elevator room and left my wallet in there.
Speaker 2: Like I show signs of stress, Like I showed signs
Speaker 2: of unraveling. And you know that's when you know Mandy
Speaker 2: probably needs a break. I feel fortunate to work in
Speaker 2: an environment where I think if it's not frowned upon
Speaker 2: to to say you need help. But I'll tell you
Speaker 2: what's what's what is frowned upon is saying you need
Speaker 2: help and not having a solution, or not knowing who
Speaker 2: you can go to for help, just sitting there with
Speaker 2: like throwing your hands up in the air and saying, well,
Speaker 2: I'm stressed, I can't do this. I'm just having a
Speaker 2: bad day. I'm just I just need a day off
Speaker 2: because I just can't deal. That's not okay. I think
Speaker 2: if you say, here's what I'm doing, that's taking up
Speaker 2: more of my time and I don't have time to
Speaker 2: do X y Z, which actually is my real job.
Speaker 2: Here's what I'm doing, and here's how we can find
Speaker 2: someone to help, or here's how we can replace replace
Speaker 2: some of my tasks and give it to this or
Speaker 2: give it to this person, or or use this new
Speaker 2: system that that helps me do my job more efficiently.
Speaker 2: That I think employers respect and are more like, are
Speaker 2: more willing to be receptive to than just someone who's
Speaker 2: seen as like just complaining. You know, So we have
Speaker 2: some a good question today. If you guys have questions,
Speaker 2: you can email us at Brandimission podcast at gmail dot com,
Speaker 2: or you can go to Brandimission podcast dot com and
Speaker 2: click on to Ask Us Anything tab to submit your question.
Speaker 2: We take one at least at one question every episode.
Speaker 2: And remember our last episode, we said that soon we'll
Speaker 2: be doing a student loan entirely student loan dedicated episode,
Speaker 2: So if you have questions about student debt, how to
Speaker 2: pay it down, how to refinance, how to get enrolled
Speaker 2: in income based repayment, submit your questions now and we
Speaker 2: will let you know asap when you can expect that
Speaker 2: student loan dedicated episode in the future. Today's question comes
Speaker 2: from someone who understandably would like to remain anonymous. But
Speaker 2: I think it's the one is interesting she says or
Speaker 2: he says or he says, because I can speak English
Speaker 2: tonight that I know I'm going to get laid off
Speaker 2: in five weeks. I know I'll be getting six months
Speaker 2: severance worth about thirty nine thousand dollars, and I have
Speaker 2: a little over one thousand dollars in savings. I have
Speaker 2: nineteen thousand dollars in credit card debt, and I took
Speaker 2: out a loan against my four oh one K worth
Speaker 2: nineteen thousand dollars that I'm paying back through my bi
Speaker 2: weekly paycheck. Any advice on how I can financially prepare
Speaker 2: for this? Yikes. One thing that struck me about this
Speaker 2: question is that she took out a loan against her
Speaker 2: four to one K. That is something that's okay to
Speaker 2: do when you are working. You can take out a
Speaker 2: loan against your four one K if you're employed currently,
Speaker 2: and it's actually not the worst thing to do if
Speaker 2: you need money, because you're gonna be paying. You're going
Speaker 2: to be paying yourself back, so it's not like you're
Speaker 2: paying like it's not like you're never going to see
Speaker 2: that money again. You'll pay yourself back. However, if you
Speaker 2: lose your job or quit, that loan typically becomes due immediately,
Speaker 2: So in five weeks when she gets laid off. That's
Speaker 2: my initial concern is that loan's gonna come due, and
Speaker 2: how is she going to pay it back? Yeah, I
Speaker 2: have a feeling that severance is going to be bye bye,
Speaker 2: just on that four one K loan alone. She said,
Speaker 2: that's nineteen thousand dollars. Her severance is about thirty nine
Speaker 2: thousand dollars.
Speaker 1: Well, I thought nineteen thousand was her credit card debt.
Speaker 2: Nineteen thousand, she says, it's her credit card debt. And
Speaker 2: she also took out nineteen thousand dollars in her phone.
Speaker 1: Okay, yeah, ah yeah, that's why I typically like advise
Speaker 1: against taking out money from your phone and K. But
Speaker 1: I mean, so that's done, But it sounds like to me,
Speaker 1: this is what I probably would do. I probably would
Speaker 1: pay back the forin K. But what I would do
Speaker 1: when I lost my job and I knew it was coming,
Speaker 1: I actually transferred my credit cards to because I had
Speaker 1: a really good credit, to like zero percent interest credit
Speaker 1: cards like balance transfer for like, I think it was
Speaker 1: up to two years most of the card because I
Speaker 1: had great credit. So that way I had kind of
Speaker 1: like two years to pay down this debt without interest.
Speaker 1: That's one of the things I did that that might
Speaker 1: be an option that to help great idea.
Speaker 2: You know, people don't really know, and I don't blame
Speaker 2: them because I don't feel like I even really grasped
Speaker 2: the concept of balance transfers until a couple of years ago.
Speaker 2: It was just that thing you get in the mail,
Speaker 2: the balance transfer tracks you're like, what are these? These
Speaker 2: look like? You know whatever, I'm gonna shed these. But
Speaker 2: balance we should talk about balance transfers because it is
Speaker 2: such an easy way to consolidate not I mean easy
Speaker 2: if you have good credit, easy simple, like no brainer
Speaker 2: way to consolidate credit card debt and buy yourself some
Speaker 2: time where you're not getting drowned in interest payments. For sure,
Speaker 2: we just did the with well, we've paid off credit cards.
Speaker 2: But you know, one of the things we've we've worked
Speaker 2: on as a couple is what about his credit card
Speaker 2: debt and do we just pay it off even though
Speaker 2: we have the savings, and it's something that he wanted
Speaker 2: to do, is just I want to pay down my
Speaker 2: credit card debt. It's my debt. I want to pay
Speaker 2: it off. But it wasn't like a ton of debt.
Speaker 2: It was about I don't know, twenty five hundred dollars,
Speaker 2: but it was on a credit card that had like
Speaker 2: a sixteen percent seventeen percent interest rate. So we actually
Speaker 2: before the wedding did a balance transfer. And there's the
Speaker 2: card itself, was called the Barclay Card Master Card that's
Speaker 2: out right now. They have a I think it's an
Speaker 2: eighteen month zero percent interest free period on balance transfers.
Speaker 2: And the best part is there's no fees. That's one
Speaker 2: of the things that people always have to weighen you're
Speaker 2: doing a balanced transfer. Sometimes they charge like three percent fee, yeah,
Speaker 2: some sort of minimum fee. And so this offer is
Speaker 2: amazing and I can I'll post a link. And we
Speaker 2: don't have any affiliation with bark card at brand ambition.
Speaker 2: I'm just telling you this is what we did. So
Speaker 2: definitely compare offers that are out there, but we chose
Speaker 2: it because it was zero percent, no fees. It took
Speaker 2: less than a week and that that's gone and it's great.
Speaker 1: Yeah, And honestly, like I can't remember where I found
Speaker 1: my card, but I tell people honestly, I mean not
Speaker 1: to plug Landy's job, but Magnifi Money has a great
Speaker 1: list and what I looked for when I did my
Speaker 1: balance transfer was cards that were currently having Like you
Speaker 1: said that there was no transfer fee, because sometimes I'll have,
Speaker 1: like I don't know, a promotion or whatever. So Magnifi
Speaker 1: Money was good at having that.
Speaker 2: Yeah, we have a we have a balance transfer tool
Speaker 2: where retrack all the best offers. Also, you know, you
Speaker 2: do need to have pretty strong credit, like at least
Speaker 2: high six hundreds, maybe a seven hundred, especially this the
Speaker 2: sparkwad card offer. I know for a fact, your score
Speaker 2: needs to be excellent, which is seven hundred or above.
Speaker 2: And uh, it's yeah, it's a it's a great way
Speaker 2: to buy yourself some time. And I would say, first,
Speaker 2: I mean, you know you're losing a job in five weeks,
Speaker 2: back to I can get back to her question if
Speaker 2: you're not already. I mean, obviously the one of the
Speaker 2: most obvious things to do is make sure you're having
Speaker 2: their job lined up because she's she also mentions, I
Speaker 2: mean she has a mortgage that she's paying for, and
Speaker 2: obviously she's going to want to pay out those student
Speaker 2: loan debt. I mean that not student loan credit card debt,
Speaker 2: so you need to replace that income. I mean, on
Speaker 2: the one hand, I'm kind of like, well, you have
Speaker 2: five weeks head start, which is something that a lot
Speaker 2: of people don't have when they get laid off. So
Speaker 2: you have a bit and a severance package. So those
Speaker 2: are two legs up that I feel like a lot
Speaker 2: of people may not have if they were to get
Speaker 2: laid off. So it's not the worst case scenario, you
Speaker 2: still have options and there's still a way for you
Speaker 2: to get out from this debt without digging yourself even deeper.
Speaker 1: All I do is when wait, no matter what, we're
Speaker 1: a bad ambition and we don't give it up, I
Speaker 1: don't I have to come up with some veteran.
Speaker 2: Yeah, we're back with some wins. This week. I have
Speaker 2: a win. We did a report at Magnified Money that
Speaker 2: got so much. It was the first report that went
Speaker 2: semi viral for Magnified Money, which is so exciting because
Speaker 2: I've always wanted to do this. How many of you
Speaker 2: guys have friends who as a couple make six figures
Speaker 2: and have no idea, but they just feel like they're
Speaker 2: still broke. I mean, I thought that one. I'm raising
Speaker 2: my hand because I feel like there's a lot of
Speaker 2: people out there, whether you're earning six figures on your
Speaker 2: own and you live in a big city, or you're
Speaker 2: a couple and you each you know, to collectively earn
Speaker 2: one hundred thousand dollars. I at Magnified Money, we put
Speaker 2: out a report a couple of weeks back looking at
Speaker 2: three hundred and eighty US metro areas to find out
Speaker 2: where you can earn six figures and still feel like
Speaker 2: you're broke. Why did we yikes? Yeah, number one surprised me.
Speaker 2: The number one worst city to earn six figures as
Speaker 2: a household is Washington, d C. Not New York City,
Speaker 2: not New York yeah, d C. Two things about DC.
Speaker 2: One childcare. On average, people spend fifteen hundred dollars on
Speaker 2: childcare in DC, which is like a mortgage payment. And
Speaker 2: one thing, you know, we got some We got a
Speaker 2: lot of responses from parents in the DC area and
Speaker 2: then other areas and are worst list too, saying well
Speaker 2: this is you know, this is just the average. But
Speaker 2: I pay way over fourteen hundred dollars a month, and
Speaker 2: I know I have friends in New York who spend
Speaker 2: close to two thousand dollars a month for one kid
Speaker 2: just to have childcare. And it's not even like, you know,
Speaker 2: all day long childcare. It's like get out at four
Speaker 2: o'clock or something like that childcare. So I that's the
Speaker 2: one challenge you have on you those kind of stuff
Speaker 2: because you have to look at averages. But we totally
Speaker 2: understand that people are even sometimes spending way way more
Speaker 2: than this. But it just seemed like it struck a
Speaker 2: chord and I know I'm doing it as a win
Speaker 2: only because it was one of our most successful and cited.
Speaker 2: We had stories in CNBC, CNN, Money is going to
Speaker 2: do a story, we had a story. We had a
Speaker 2: huge story on Business Insider covering the report, and I
Speaker 2: just feel like, I feel like we touched a nerve
Speaker 2: in that a lot of people are in this situation,
Speaker 2: and I think it gave what I wanted is just
Speaker 2: to give people who were in this situation a little
Speaker 2: bit of like, Okay, you're not alone and you're not crazy,
Speaker 2: Like it's not uncommon. Six figures isn't what it used
Speaker 2: to be, And yeah it's sad, but you're not making
Speaker 2: it if you're earning six figures these days, you know
Speaker 2: what I mean. As a household, we looked at two
Speaker 2: people in a house, two adults earning a collectively one
Speaker 2: hundred thousand dollars who also had a small kid, and
Speaker 2: that is just not enough in some places. Of course,
Speaker 2: the most affordable place is Tennessee, Johnson City, Tennessee. One
Speaker 2: in Johnson City.
Speaker 1: Yeah, well my way, it's from my city. I put
Speaker 1: on for my city. I put on for my city.
Speaker 1: So a friend of mine named Lauren Craig aka in
Speaker 1: a word fab that's like her social media name. She
Speaker 1: put out a book where the book is coming out,
Speaker 1: but it's called a hundred Things to Do in Newark
Speaker 1: before you Die? You know how like those there's so
Speaker 1: many books of like different cities, like one hundred things
Speaker 1: to Do in Paris before you Die, you know. Yeah,
Speaker 1: And so I'm really excited for her because I thought,
Speaker 1: how genius, you know. And so it's the hashtag is
Speaker 1: like one hundred things Newark. But I'm just really proud
Speaker 1: of it because you know, Newark has gotten you know,
Speaker 1: so much flack like cities like Detroyed and Compton and
Speaker 1: and things like that. Like, but it's just nice to
Speaker 1: see that there's this like uptick and I'm excited to
Speaker 1: actually read the book to see like what makes it,
Speaker 1: especially if someone who's lived here for a number of years,
Speaker 1: to see like what kind of like what Newark staples
Speaker 1: make it, you know, what new things? Actually I can
Speaker 1: actually not even one hundred I'm sorry, a thousand things
Speaker 1: a thousand. I was like, no, no, it is one hundred.
Speaker 1: It is one hundred. So I'm like, wait, is there
Speaker 1: a thousand.
Speaker 2: Your love for Newark was just tested exactly.
Speaker 1: So, but I'm excited because she's gonna actually have like
Speaker 1: a like a big launch party on August fifteenth. You
Speaker 1: can get the book on Amazon, so a hundred things.
Speaker 1: I think if you just type in one hundred things Newark,
Speaker 1: it should come up. But I'm just honestly, I'm just
Speaker 1: excited because I'm really excited really to dig in and
Speaker 1: see like what made the cut. And it's just nice
Speaker 1: to see someone collect good things about Newark versus like,
Speaker 1: you know, collecting all the things that are not right
Speaker 1: about Newark. I get it, NewYork has its issues, just
Speaker 1: like every other city, but it's just nice to know
Speaker 1: that there's some you know, there's something that's all about positivity.
Speaker 1: And the New York Museum, honestly, if you have not been,
Speaker 1: it is gorgeous, and she's having the release party there,
Speaker 1: So I'm excited because the NewYork Museum is one of
Speaker 1: my favorite places. Well, by this time next week, I
Speaker 1: should be You're super Chocolate because I'm headed to jam
Speaker 1: rock with Superman. So if you see me out there,
Speaker 1: leave me alone. I'm on vacation on Bicking. We're gonna have,
Speaker 1: you know, some I just cannot wait. I'm literally gonna
Speaker 1: do nothing like litter, run late nothing.
Speaker 2: I don't want to see any social media posting. I
Speaker 2: don't want to get an email from you. I don't wanna.
Speaker 2: I mean, are we doing the podcast next Monday?
Speaker 1: Though? Yeah, yeah we were. I'll be back okay, but no,
Speaker 1: I girl, I'm gonna do some social media posting, but
Speaker 1: like you know, like toes in the water, like not anything, no,
Speaker 1: no budgeties, to stuff. Just wish you were here, but
Speaker 1: glad you're not.
Speaker 2: Social Media bragging is allowed, yes, all right.
Speaker 1: All right, b A listeners, It's been awesome as per usual.
Speaker 1: If you have any questions, financial questions, or if you
Speaker 1: you know, just want to hit us up about the
Speaker 1: fibroid stuff, you can hit.
Speaker 2: Us up at the bad financial questions are fibroids, that
Speaker 2: is our specialty.
Speaker 1: Superman is looking at me like why why.
Speaker 2: It's like they know more about your uterus than I
Speaker 2: do at this point.
Speaker 1: So he was like it just looks at me. When
Speaker 1: I said five word stuff, his head turned like are
Speaker 1: you kidding me? No, I'm not kidding. Yeah. So the
Speaker 1: BA podcast at gmail dot.
Speaker 2: Com incorrect and.
Speaker 1: And I had a feeling. Oh god, it's been like
Speaker 1: seven years and I still get it wrong. On that note,
Speaker 1: we love you and we'll see you next week.
Speaker 2: Just google us, you know, you know how to find us.
Speaker 2: All right, Happy week, See you next week.